{"id":16529,"date":"2026-11-09T21:24:09","date_gmt":"2026-11-09T21:24:09","guid":{"rendered":"https:\/\/moroccopreneur.com\/?p=16529"},"modified":"2026-11-09T21:24:11","modified_gmt":"2026-11-09T21:24:11","slug":"rapport-stabilite-financiere-maroc-2025","status":"publish","type":"post","link":"https:\/\/moroccopreneur.com\/fr\/rapport-stabilite-financiere-maroc-2025\/","title":{"rendered":"Solvabilit\u00e9 des banques \u00e0 16,1 % et dette des m\u00e9nages \u00e0 27 % du PIB : les chiffres cl\u00e9s du Rapport sur la stabilit\u00e9 financi\u00e8re 2025"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les banques marocaines affichaient un ratio de solvabilit\u00e9 moyen de 16,1 % \u00e0 fin 2025, tandis que l&rsquo;endettement des m\u00e9nages atteignait 456 milliards de dirhams, soit environ 27 % du PIB, selon le <a href=\"https:\/\/www.acaps.ma\/sites\/default\/files\/2026-07\/RSF%202025_ACAPS.pdf\" target=\"_blank\" rel=\"noopener\">Rapport annuel sur la stabilit\u00e9 financi\u00e8re au titre de l&rsquo;exercice 2025<\/a>, 13e \u00e9dition publi\u00e9e en juillet 2026 par Bank Al-Maghrib, l&rsquo;ACAPS et l&rsquo;AMMC. Le rapport conclut \u00e0 la r\u00e9silience du syst\u00e8me financier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les entrepreneurs, investisseurs et professionnels de la finance, c&rsquo;est la lecture officielle du cr\u00e9dit, des banques, des assureurs et du march\u00e9 boursier \u00e0 l&rsquo;approche de 2027.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c0 propos du rapport<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c9diteurs<\/strong><\/td><td>Bank Al-Maghrib, ACAPS et AMMC, dans le cadre du Comit\u00e9 de coordination et de surveillance des risques syst\u00e9miques (CCSRS)<\/td><\/tr><tr><td><strong>Date de publication<\/strong><\/td><td>Juillet 2026 (approuv\u00e9 par le CCSRS le 7 juillet 2026)<\/td><\/tr><tr><td><strong>Titre<\/strong><\/td><td>Rapport annuel sur la stabilit\u00e9 financi\u00e8re, exercice 2025 (13e \u00e9dition)<\/td><\/tr><tr><td><strong>Donn\u00e9es couvertes<\/strong><\/td><td>Macro\u00e9conomie, banques, assurances, march\u00e9 des capitaux, endettement des m\u00e9nages et des entreprises en 2025, avec projections jusqu&rsquo;en 2027<\/td><\/tr><tr><td><strong>Derni\u00e8re \u00e9dition ?<\/strong><\/td><td>Oui, en novembre 2026. Le rapport para\u00eet chaque ann\u00e9e.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Les chiffres cl\u00e9s<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La croissance a atteint 4,9 % en 2025, apr\u00e8s 4,4 % en 2024, et Bank Al-Maghrib la projette \u00e0 5,2 % en 2026 puis 3,1 % en 2027. L&rsquo;inflation est rest\u00e9e \u00e0 0,8 % en 2025, selon le <a href=\"https:\/\/www.acaps.ma\/sites\/default\/files\/2026-07\/RSF%202025_ACAPS.pdf\" target=\"_blank\" rel=\"noopener\">rapport<\/a>.<\/li>\n\n<li>Les banques affichent un ratio de solvabilit\u00e9 moyen de 16,1 % et un ratio Tier 1 de 13,5 %. Le taux de cr\u00e9ances en souffrance s&rsquo;est repli\u00e9 \u00e0 8,3 %, contre 8,4 %, avec un taux de couverture d&rsquo;environ 68 %.<\/li>\n\n<li>Les cr\u00e9dits \u00e0 la client\u00e8le ont progress\u00e9 de 6,9 %, et le cr\u00e9dit au secteur non financier a acc\u00e9l\u00e9r\u00e9 \u00e0 4,8 % en 2025, contre 2,6 % en 2024, avec 6,8 % projet\u00e9s pour 2026.<\/li>\n\n<li>L&rsquo;endettement des m\u00e9nages atteint 456 milliards de dirhams, environ 27 % du PIB, pour un patrimoine financier des m\u00e9nages de 1 192 milliards de dirhams.<\/li>\n\n<li>Les assureurs ont vu leur chiffre d&rsquo;affaires progresser de 7,5 % \u00e0 63,2 milliards de dirhams et leur r\u00e9sultat net de 21,4 % \u00e0 5,3 milliards, avec un taux de marge de solvabilit\u00e9 de 409,4 %.<\/li>\n\n<li>Le MASI a gagn\u00e9 27,6 % en 2025, pour un volume annuel de transactions de 137,3 milliards de dirhams. Les stress tests montrent que banques et assureurs peuvent absorber des chocs s\u00e9v\u00e8res, et le coussin contracyclique reste \u00e0 0 %, indique le <a href=\"https:\/\/www.acaps.ma\/sites\/default\/files\/2026-07\/RSF%202025_ACAPS.pdf\" target=\"_blank\" rel=\"noopener\">rapport<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Principaux indicateurs 2025, selon le Rapport sur la stabilit\u00e9 financi\u00e8re :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Indicateur<\/th><th>2025<\/th><\/tr><\/thead><tbody><tr><td>Croissance du PIB<\/td><td>4,9 %<\/td><\/tr><tr><td>Inflation<\/td><td>0,8 %<\/td><\/tr><tr><td>Ratio de solvabilit\u00e9 des banques<\/td><td>16,1 %<\/td><\/tr><tr><td>Taux de cr\u00e9ances en souffrance<\/td><td>8,3 %<\/td><\/tr><tr><td>Dette des m\u00e9nages<\/td><td>456 milliards de dirhams (27 % du PIB)<\/td><\/tr><tr><td>Performance du MASI<\/td><td>+27,6 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Ce que ces chiffres signifient pour les entreprises et les investisseurs<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les banques peuvent pr\u00eater davantage.<\/strong> Des fonds propres solides et une acc\u00e9l\u00e9ration attendue du cr\u00e9dit laissent de la marge pour financer les entreprises dont le projet est cr\u00e9dible.<\/li>\n\n<li><strong>La qualit\u00e9 du risque reste d\u00e9cisive.<\/strong> Avec 8,3 % de cr\u00e9ances en souffrance, les banques continueront de s\u00e9lectionner. Des comptes propres et des pr\u00e9visions r\u00e9alistes facilitent l&rsquo;acc\u00e8s au financement.<\/li>\n\n<li><strong>Les m\u00e9nages empruntent de nouveau.<\/strong> Une dette \u00e0 27 % du PIB signale le retour de la demande, mais aussi une limite pour les activit\u00e9s qui reposent sur le cr\u00e9dit \u00e0 la consommation.<\/li>\n\n<li><strong>La Bourse est active.<\/strong> La hausse de 27,6 % du MASI et les bons r\u00e9sultats des assureurs \u00e9largissent les options de financement au-del\u00e0 du cr\u00e9dit bancaire pour les entreprises de taille significative.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les perspectives \u00e0 court terme, consultez notre synth\u00e8se de la <a href=\"https:\/\/moroccopreneur.com\/fr\/hcp-note-de-conjoncture-octobre-2026\/\">note de conjoncture du HCP d&rsquo;octobre 2026<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udce5 Consulter le rapport complet<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le rapport complet est disponible gratuitement aupr\u00e8s des trois autorit\u00e9s. Il est publi\u00e9 par Bank Al-Maghrib, l&rsquo;ACAPS et l&rsquo;AMMC, et non par Moroccopreneur.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.acaps.ma\/sites\/default\/files\/2026-07\/RSF%202025_ACAPS.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger le Rapport sur la stabilit\u00e9 financi\u00e8re 2025 (PDF)<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-q1\"><strong class=\"schema-faq-question\">Les banques marocaines sont-elles solides ?<\/strong> <p class=\"schema-faq-answer\">Elles affichaient fin 2025 un ratio de solvabilit\u00e9 moyen de 16,1 % et un ratio Tier 1 de 13,5 %, et les stress tests montrent qu&rsquo;elles peuvent absorber des chocs s\u00e9v\u00e8res.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-q2\"><strong class=\"schema-faq-question\">Quel est l&rsquo;endettement des m\u00e9nages marocains ?<\/strong> <p class=\"schema-faq-answer\">456 milliards de dirhams \u00e0 fin 2025, soit environ 27 % du PIB.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-q3\"><strong class=\"schema-faq-question\">Quelle croissance pr\u00e9voit Bank Al-Maghrib ?<\/strong> <p class=\"schema-faq-answer\">5,2 % en 2026 et 3,1 % en 2027, apr\u00e8s 4,9 % en 2025.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-q4\"><strong class=\"schema-faq-question\">Qui publie le Rapport sur la stabilit\u00e9 financi\u00e8re ?<\/strong> <p class=\"schema-faq-answer\">Bank Al-Maghrib, l&rsquo;ACAPS et l&rsquo;AMMC, conjointement, dans le cadre du CCSRS.<\/p> <\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Sources<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.acaps.ma\/sites\/default\/files\/2026-07\/RSF%202025_ACAPS.pdf\" target=\"_blank\" rel=\"noopener\">Bank Al-Maghrib, ACAPS et AMMC : Rapport annuel sur la stabilit\u00e9 financi\u00e8re, exercice 2025 (PDF)<\/a><\/li>\n\n<li><a href=\"https:\/\/www.ammc.ma\/sites\/default\/files\/CdP_CCSRS23_Fr_0.pdf\" target=\"_blank\" rel=\"noopener\">AMMC : communiqu\u00e9 de la 23e r\u00e9union du CCSRS, 7 juillet 2026 (PDF)<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Les banques marocaines affichent un ratio de solvabilit\u00e9 moyen de 16,1 %, la dette des m\u00e9nages atteint 456 milliards de dirhams (27 % du PIB) et Bank Al-Maghrib pr\u00e9voit 5,2 % de croissance en 2026, selon la 13e \u00e9dition du Rapport sur la stabilit\u00e9 financi\u00e8re.<\/p>\n","protected":false},"author":1,"featured_media":16533,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"footnotes":""},"categories":[1406,2468],"tags":[],"region":[],"class_list":["post-16529","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perspectives","category-rapports"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Rapport sur la stabilit\u00e9 financi\u00e8re 2025 : chiffres cl\u00e9s<\/title>\n<meta name=\"description\" content=\"Solvabilit\u00e9 des banques \u00e0 16,1 %, dette des m\u00e9nages \u00e0 456 milliards de dirhams, croissance de 5,2 % attendue en 2026 : les chiffres cl\u00e9s du 13e Rapport sur la stabilit\u00e9 financi\u00e8re.\" 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