{"id":4548,"date":"2025-06-04T11:26:41","date_gmt":"2025-06-04T09:26:41","guid":{"rendered":"https:\/\/www.commandstrategy.com\/?p=4548"},"modified":"2026-01-08T10:18:13","modified_gmt":"2026-01-08T09:18:13","slug":"frtb-europe-report-allegement","status":"publish","type":"post","link":"https:\/\/www.commandstrategy.com\/fr\/frtb-europe-report-allegement\/","title":{"rendered":"Report et all\u00e8gement temporaire de la FRTB en Europe"},"content":{"rendered":"
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La Commission europ\u00e9enne envisage un nouveau report et des mesures d\u2019all\u00e8gement temporaire pour l\u2019application de la FRTB<\/span><\/h2>\r\n

Face aux incertitudes persistantes concernant la mise en \u0153uvre du cadre de risque de march\u00e9 de B\u00e2le III dans des juridictions majeures telles que les \u00c9tats-Unis et le Royaume-Uni, la Commission europ\u00e9enne a lanc\u00e9 une consultation cibl\u00e9e. Cette initiative vise \u00e0 \u00e9valuer la possibilit\u00e9 d\u2019un nouveau report ainsi que l\u2019introduction de mesures d\u2019all\u00e8gement temporaire concernant les exigences de la Fundamental Review of the Trading Book (FRTB) au sein de l\u2019Union europ\u00e9enne. La p\u00e9riode de consultation s\u2019est achev\u00e9e le 22 avril 2025.<\/p>\r\n\r\n\r\n

\r\n\r\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1747213631192{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-top: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1747213650401{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-top: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1746605695825{margin-top: 0% !important;border-top-width: 0% !important;padding-top: 0% !important;}\u00a0\u00bb]\r\n

Contenu de la consultation<\/span><\/h2>\r\n

La consultation de la Commission pr\u00e9sente trois principales options :<\/span><\/p>\r\n1.<\/span> <\/span>Maintenir le calendrier actuel<\/strong>, avec une mise en \u0153uvre de la FRTB au 1er janvier 2026 ;<\/span>\r\n\r\n2. <\/span>Reporter la mise en \u0153uvre d\u2019un an<\/strong>, au 1er janvier 2027 ;<\/span>\r\n\r\n3.<\/span> Introduire des mesures d\u2019all\u00e8gement temporaires pour une dur\u00e9e pouvant aller jusqu\u2019\u00e0 trois ans<\/strong>, ce qui repousserait la mise en \u0153uvre compl\u00e8te soit au 1er janvier 2029, soit au 1er janvier 2030, en fonction de l\u2019adoption ou non de l\u2019option 2.\u200b<\/span>[\/vc_column_text][vc_column_text]\r\n

Ces options s\u2019appuient sur l\u2019article 461a du r\u00e8glement sur les exigences de fonds propres (CRR3), qui habilite la Commission \u00e0 reporter l\u2019application des exigences de fonds propres pour le risque de march\u00e9 jusqu\u2019\u00e0 deux ans et \u00e0 introduire des mesures d\u2019all\u00e8gement temporaire pour une p\u00e9riode maximale de trois ans, afin d\u2019assurer l\u2019alignement avec les normes internationales et de maintenir des conditions de concurrence \u00e9quitables pour les banques europ\u00e9ennes. Parmi les mesures d\u2019all\u00e8gement propos\u00e9es :<\/span><\/p>\r\n[\/vc_column_text][vc_row_inner][vc_column_inner width=\u00a0\u00bb1\/2″][vc_column_text css=\u00a0\u00bb.vc_custom_1747208394071{margin-bottom: 0% !important;border-bottom-width: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb]\"\" Pour les banques sous approche par mod\u00e8les internes (IMA) :<\/span><\/strong>\r\n

\u2014 Phase progressive des exigences de capital pour les facteurs de risque non mod\u00e9lisables <\/span>(NMRF), avec application d\u2019un multiplicateur fixe compris entre 35% et 45% pendant trois <\/span>ans ;<\/span>\r\n\u2014 Utilisation du Profit and Loss Attribution Test (PLAT) uniquement comme outil de surveillance jusqu\u2019au 1er janvier 2029.<\/span><\/p>\r\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb1\/2″][vc_column_text css=\u00a0\u00bb.vc_custom_1747208385048{margin-bottom: 0% !important;border-bottom-width: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb]\"\" Pour les banques sous approche standardis\u00e9e alternative (ASA) :<\/span><\/strong>\r\n

\u2014 Suppression temporaire du Residual Risk Add-on (RRAO) en appliquant un multiplicateur nul pour les instruments \u00e0 sous-jacents exotiques ou pr\u00e9sentant d\u2019autres risques r\u00e9siduels.<\/span><\/p>\r\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=\u00a0\u00bb.vc_custom_1747213561449{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-top: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb][vc_column_inner css=\u00a0\u00bb.vc_custom_1747213577702{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-top: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1747641897523{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-top: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb]Ces mesures visent \u00e0 att\u00e9nuer les d\u00e9savantages comp\u00e9titifs potentiels pour les banques europ\u00e9ennes r\u00e9sultant de calendriers de mise en \u0153uvre asynchrones \u00e0 l’\u00e9chelle mondiale.<\/span>[\/vc_column_text][vc_column_text css=\u00a0\u00bb.vc_custom_1767863841584{margin-top: 0% !important;margin-bottom: 0% !important;border-top-width: 0% !important;border-bottom-width: 0% !important;padding-top: 0% !important;padding-bottom: 0% !important;}\u00a0\u00bb]\r\n

Impacts<\/span><\/h2>\r\n

Le report propos\u00e9 et les mesures d\u2019all\u00e8gement visent \u00e0 donner aux banques europ\u00e9ennes un d\u00e9lai suppl\u00e9mentaire pour s\u2019adapter aux exigences complexes du cadre FRTB, en particulier face aux d\u00e9fis li\u00e9s \u00e0 la mise en \u0153uvre de mod\u00e8les avanc\u00e9s de risque et aux complexit\u00e9s op\u00e9rationnelles.<\/span><\/p>\r\n

Les retours attendus de l\u2019industrie bancaire devraient \u00eatre partag\u00e9s. Les banques ASA op\u00e9rant \u00e0 l\u2019international pourraient privil\u00e9gier un alignement avec les calendriers am\u00e9ricain et britannique pour garantir une concurrence \u00e9quitable, tandis que les banques ASA principalement europ\u00e9ennes, ayant d\u00e9j\u00e0 investi dans la conformit\u00e9, pourraient percevoir ce report comme un co\u00fbt suppl\u00e9mentaire li\u00e9 au maintien de syst\u00e8mes parall\u00e8les. Les banques IMA, quant \u00e0 elles, devraient soutenir les mesures propos\u00e9es compte tenu des avantages en termes de capital et de l\u2019encouragement \u00e0 une adoption plus large des mod\u00e8les internes.<\/span><\/p>\r\n

La Commission devrait finaliser son approche d\u2019ici juin 2025, en tenant compte des retours re\u00e7us durant la consultation.<\/span><\/p>\r\n

En savoir plus sur nos expertises<\/strong><\/a><\/p>\r\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1749029310265{margin-top: 2% !important;margin-bottom: 2% !important;border-top-width: 2% !important;border-bottom-width: 2% !important;padding-top: 0% !important;padding-bottom: 2% !important;background-color: #f4f4f4 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-top-color: #ed7d31 !important;border-bottom-color: #ed7d31 !important;}\u00a0\u00bb][vc_column css=\u00a0\u00bb.vc_custom_1747208435483{margin-bottom: 0% !important;}\u00a0\u00bb][vc_column_text css=\u00a0\u00bb.vc_custom_1749029295289{margin-top: 2% !important;margin-bottom: 0% !important;border-top-width: 2% !important;border-bottom-width: 0% !important;padding-bottom: 1% !important;}\u00a0\u00bb]\r\n

Sources :<\/h3>\r\n\"\" \u00a0<\/span>Mise en \u0153uvre du FRTB dans l\u2019UE : la Commission europ\u00e9enne gagne du temps \u2013 Blog Deloitte<\/a>\r\n\"\" \u00a0<\/span><\/a>Consultation de la Commission europ\u00e9enne sur l\u2019approche du risque de march\u00e9 pour les banques<\/a>[\/vc_column_text][\/vc_column][\/vc_row][vc_row thb_divider_position=\u00a0\u00bbbottom\u00a0\u00bb][vc_column][vc_column_text]\r\n
\r\n\r\n\"Vincent\r\n
Auteur<\/div>\r\n
Idrissa NIAKH<\/div>\r\n
Docteur<\/div>\r\n<\/div>\r\n[\/vc_column_text][\/vc_column][\/vc_row]<\/div>","protected":false},"excerpt":{"rendered":"

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