Rapò anyèl 2006: anèks estatistik

E. ANNEXE STATISTIQUE I.1 Produit intérieur brut par branche d’activité économique 1 I.1a Contribution à la valeur ajoutée du PIB réel 2 I.1b Taux de croissance du PIB réel 3 I.2 Compte du produit intérieur brut (en millions de gourdes à prix courants) 4 I.2a Structure du PIB nominal 5 I.3 Compte du produit intérieur brut (en millions de gourdes 1986-1987) 6 I.3a Structure du PIB réel (en millions de gourdes 1986-1987) 7 I.3b Compte du produit intérieur brut (variations en pourcentage) 8 I.3c Structure de la croissance du PIB réel (variations en pourcentage) 9 I.3d Contribution à la croissance du PIB réel 10 I.4 Indice des prix à la consommation (IPC) ensemble du pays 11 I.4 a Indice des prix à la consommation (IPC) ensemble du pays 12 I.5 Taux d’inflation 13 I.5a Taux d’inflation (Variation de l’IPC en glissement annuel) 14 I.6 Taux de change 15 I.7 Composantes et contreparties de l’agrégat M3 16 I.8 La base monétaire et ses sources 17 I.9 Bilan de la BRH 18 I.10 Bilan consolidé des banques commerciales (base annuelle) 19 I.11 Bilan consolidé des banques commerciales (base mensuelle) 20 I.12 Résumé des opérations financières de l’administration centrale (base annuelle) 21 I.13 Résumé des opérations financières de l’administration centrale (base mensuelle) 22 I.14 Résumé de la balance des paiements d’Haïti 23 I.15 Position extérieure globale d’Haïti 24 I.16 Exportations d’Haïti par produit 25 I.17 Exportations aux USA (FOB) (à base de matières premières importées) 26 I.18 Exportations aux USA (FOB) (à base de matières premières locales) 27 I.19 Importations d’Haïti par grandes catégories de produits 28 I.20 Importations de produits pétroliers 29 II.1 Chiffres clés du bilan par banque 30 II.2 Chiffres clés des résultats par banque 31 II.3 Ratios financiers par banque (structure financière et qualité de l’actif) 32 II.4 Ratios financiers par banque (rent abilité) 33 II.5 Bilan par banque 34 II.6 Résultats par banque 35 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Tableau 1.16 Exportations d'Haïti par catégories de produits. (En Millions de Dollars E.U.) Café Cacao Huiles Pite et essentielles Ficelles Mangues Autres produits Petite Articles primaires manufacturés. 1/ industriels industrie Autres produitsAjustements Total 2/ pour évaluation Ajustements Total Export. 3/ pour classification (FOB) Période 2002 2.88 5.54 4.81 1.22 5.46 9.58 5.75 86.10 7.38 11.02 139.73 134.69 274.43 2003 3.55 6.05 5.08 1.58 4.66 9.10 4.94 108.44 7.46 12.68 163.55 169.62 333.16 2004 4.28 6.51 5.86 0.95 6.63 8.95 4.33 124.84 6.76 13.91 182.43 195.26 377.69 2005 3.78 6.91 7.15 1.18 8.92 5.32 5.44 154.73 6.23 17.17 216.83 242.02 458.85 2006 (P) 4.13 7.35 4.94 0.87 9.45 2.24 7.32 169.66 2.14 17.82 225.92 265.32 491.24 1er Trimestre 0.44 0.77 0.85 0.06 0.11 2.41 1.63 21.37 1.74 2.51 31.90 33.44 65.34 2e Trimestre 1.01 1.73 1.61 0.29 0.98 2.22 1.36 18.00 1.98 2.50 31.67 28.15 59.82 3e Trimestre 1.14 2.55 1.04 0.27 3.42 2.57 1.63 22.15 1.87 3.14 39.77 34.64 74.42 4e Trimestre 0.29 0.49 1.31 0.60 0.95 2.38 1.13 24.58 1.79 2.87 36.39 38.46 74.85 1er Trimestre 0.61 2.02 0.93 0.76 0.36 2.53 1.56 23.03 1.83 2.88 36.52 36.03 72.54 2e Trimestre 1.39 1.23 1.32 0.23 0.41 2.51 1.12 24.40 1.74 2.89 37.24 38.17 75.41 3e Trimestre 1.10 2.18 1.63 0.35 3.22 2.26 1.24 29.39 2.03 3.60 47.00 45.96 92.96 4e Trimestre 0.45 0.62 1.20 0.24 0.67 1.80 1.02 31.62 1.86 3.30 42.78 49.46 92.24 1er Trimestre 0.44 1.79 0.71 0.23 0.61 2.27 1.05 31.22 1.83 3.20 43.36 48.84 92.19 2e Trimestre 1.79 1.20 2.47 0.23 0.20 2.27 1.10 25.02 1.98 2.87 38.54 39.11 77.65 3e Trimestre 1.14 2.50 1.38 0.33 5.11 2.21 0.83 32.06 1.20 3.94 50.70 50.14 100.84 4e Trimestre 0.91 1.02 1.30 0.16 0.71 2.20 1.35 36.54 1.75 3.90 49.84 57.17 107.01 1er Trimestre 0.22 1.20 1.19 0.14 0.14 1.90 1.30 36.60 2.20 3.91 48.80 57.25 106.05 2e Trimestre 1.55 0.73 2.01 0.52 0.81 1.80 1.20 35.23 1.80 3.87 49.52 55.11 104.63 3e Trimestre 1.56 2.80 1.02 0.36 5.00 0.98 1.59 42.95 1.05 4.91 62.22 67.18 129.40 4e Trimestre 0.45 2.18 2.93 0.16 2.97 0.64 1.35 39.95 1.18 4.48 56.29 62.48 118.77 1er Trimestre 1.40 1.20 0.84 0.14 0.14 0.52 1.67 42.24 0.61 4.18 52.94 66.06 119.00 2e Trimestre 0.66 1.65 1.10 0.18 0.23 0.49 1.25 36.45 0.45 3.63 46.09 57.02 103.11 3e Trimestre 0.97 2.90 1.50 0.20 7.00 0.33 1.20 43.65 0.38 4.98 63.11 68.25 131.36 4e Trimestre 1.10 1.60 1.50 0.35 2.08 0.90 3.20 47.32 0.70 5.03 63.78 73.99 137.77 Octobre 0.30 0.30 0.40 0.04 0.02 0.17 0.42 14.42 0.26 1.40 17.73 22.55 40.28 Novembre 0.50 0.70 0.25 0.07 0.03 0.20 0.60 14.99 0.16 1.50 19.00 23.45 42.45 Décembre 0.60 0.20 0.19 0.03 0.09 0.15 0.65 12.83 0.19 1.28 16.21 20.06 36.27 Janvier 0.20 0.60 0.30 0.02 0.00 0.15 0.30 8.30 0.10 0.85 10.82 12.99 23.81 Février 0.16 0.40 0.10 0.10 0.00 0.10 0.40 11.77 0.10 1.12 14.25 18.40 32.65 Mars 0.30 0.65 0.70 0.06 0.23 0.24 0.55 16.38 0.25 1.66 21.02 25.63 46.65 Avril 0.25 0.40 0.30 0.02 1.60 0.10 0.45 12.48 0.15 1.35 17.10 19.51 36.61 Mai 0.40 1.60 0.70 0.08 4.00 0.08 0.53 17.11 0.13 2.11 26.74 26.75 53.49 Juin 0.32 0.90 0.50 0.10 1.40 0.15 0.22 14.06 0.10 1.52 19.27 21.99 41.26 Juillet 0.60 0.80 0.80 0.15 1.80 0.40 1.40 14.91 0.40 1.82 23.08 23.30 46.38 Août 0.40 0.50 0.50 0.10 0.20 0.30 1.00 14.72 0.20 1.53 19.45 23.02 42.47 Septembre 0.10 0.30 0.20 0.10 0.08 0.20 0.80 17.69 0.10 1.68 21.25 27.67 48.92 2002 2003 2004 2005 2006 (P) 2006(P) Sources : AGD - Sites Internet: Dpt du Commerce américain et Stat-Can ; - Exportateurs de café ; - Base de données OCDE 1/ Produits des industries d'assemblage 2/ Exportations totales tenant compte de la valeur ajoutée des industries d'assemblage. 3/ Exportations brutes. (P) : Données provisoires 25 Tableau 1.17 Exportations des industries d'assemblage aux U.S.A (F.O.B) A base de matières premières importées (En milliers de dollars E.U) Autres: Tulles Appareils (1) Dentelles & Rubans Matériels électriques Ouvrages Brodés & Machinerie Art. de voyage Vêtements & Sacs à main & Art. pour Accessoires (Bijouterie) vêtements Chaussures Ornements Art. manuf. Appareils Jouets en optiques & Articles caoutchouc à enregistrer de sport et en plastic et à reproduire électroniques Total les sons Période 2002 307.27 1693.46 0.00 304.65 217157.30 0.00 1782.11 452.47 0.00 221697.86 2003 401.77 1803.57 0.00 333.30 273626.59 0.00 1465.21 328.95 138.08 278097.48 2004 289.72 12359.43 0.00 163.28 301276.17 0.00 4345.19 7.41 2.25 318443.46 2005 408.73 6951.30 0.00 67.90 393164.26 2.68 1647.66 351.30 42.81 402636.64 2006 (P) 308.67 1442.05 6.00 206.39 432079.08 104.13 380.05 142.92 24.25 434693.54 2002 1er Trimestre 64.54 348.99 0.00 82.63 53645.24 0.00 566.19 52.36 0.00 54759.95 2e Trimestre 82.12 373.49 0.00 83.78 45682.06 0.00 476.26 83.23 0.00 46780.94 3e Trimestre 94.99 513.76 0.00 74.47 55572.96 0.00 383.76 151.54 0.00 56791.48 4e Trimestre 65.62 457.22 0.00 63.77 62257.04 0.00 355.90 165.34 0.00 63365.49 2003 1er Trimestre 198.96 491.25 0.00 66.93 59629.69 0.00 391.68 204.81 0.00 60983.32 2e Trimestre 64.03 321.33 0.00 58.85 59953.70 0.00 435.95 123.14 0.00 60957.00 3e Trimestre 66.99 441.51 0.00 57.64 75970.02 0.00 309.23 1.00 0.00 76846.39 4e Trimestre 71.79 549.48 0.00 149.88 78073.18 0.00 328.35 0.00 138.08 79310.76 2004 1er Trimestre 88.72 3820.00 0.00 65.83 78903.93 0.00 946.16 0.30 0.00 83824.94 2e Trimestre 49.24 2466.00 0.00 29.14 62927.24 0.00 1101.92 0.00 0.00 66573.53 3e Trimestre 82.83 3224.00 0.00 2.48 80541.07 0.00 1350.96 6.81 2.25 85210.40 4e Trimestre 68.93 2849.43 0.00 65.83 78903.93 0.00 946.16 0.30 0.00 82834.58 95748.56 2005 1er Trimestre 172.08 2037.88 0.00 4.87 92934.50 0.00 457.12 142.11 0.00 2e Trimestre 88.65 1706.59 0.00 9.02 89129.48 0.00 472.24 102.23 19.91 91528.12 3e Trimestre 50.61 2269.42 0.00 14.20 109426.40 0.00 377.90 60.72 8.74 112207.99 4e Trimestre 97.39 937.41 0.00 39.81 101673.88 2.68 340.40 46.24 14.16 103151.97 108550.90 2006 (P) 1er Trimestre 98.39 345.26 0.00 0.00 107908.46 0.00 142.39 42.00 14.40 2e Trimestre 59.09 290.06 0.00 65.40 93033.05 103.87 103.87 33.66 0.00 93689.00 3e Trimestre 64.39 409.83 0.00 52.99 111102.77 0.26 133.79 37.86 4.20 111806.09 4e Trimestre 86.83 396.90 6.00 88.00 120034.80 0.00 0.00 29.40 5.65 120647.55 Octobre 36.04 75.49 0.00 0.00 36558.94 0.00 50.62 10.81 0.00 36731.90 Novembre 32.91 79.57 0.00 0.00 38053.96 0.00 41.54 11.14 7.20 38226.32 Décembre 29.44 190.20 0.00 0.00 33295.56 0.00 50.23 20.05 7.20 33592.68 Janvier 8.17 62.59 0.00 3.16 21211.73 29.07 29.07 11.44 0.00 21355.23 Février 20.04 79.85 0.00 57.12 30017.31 14.49 14.49 0.31 0.00 30203.61 Mars 30.88 147.62 0 5.12 41804.01 60.31 60.31 21.91 0 42130.16 Avril 22.68 193.04 0 1.89 31714.74 0 38.96 11.35 0 31982.66 Mai 29.86 74.8 0 40.89 43706.65 0 54.7 11.8 0 43918.7 Juin 11.85 141.99 0 10.21 35681.38 0.26 40.13 14.71 4.2 35904.73 2006 (P) Juillet 26.5 195.4 0 37.4 37770.4 0 0 11.5 0 38041.2 Août 24.2 103.1 0 49.7 37328.7 0 0 3.1 2.15 37510.95 Septembre 36.1 98.4 6 0.9 44935.7 0 0 14.8 3.5 45095.4 Sources : Banque de la République d'Haiti(BRH) -Département du Commerce des Etats-Unis d'Amérique (P) : Données provisoires (1) : Cette rubrique regroupe: les équipements de distribution, les récepteurs de radio et accessoires, les appareils électriques et accessoires , les circuits électroniques, les Transformateurs et Interrupteurs. 26 Tableau 1.18 Exportations aux U.S.A (F.O.B) A base de Matières premières locales (En milliers de Dollars E.U) Articles Vêtements manufact. & autres Articles en bois ouvrages. Tapis & collection Balais Art. déclarés manufact. Bois pour Produits Accessoires Travaux d'art Brosses & non Art. en verre en cuir meubles textiles Couverture Antiquités Ficelles déclarés & en céram. Objets de Autres: Marchandises Sous-total retournées Total Période 2002 2884.20 83.50 1289.91 25.95 0.00 894.81 0.00 817.86 5996.23 -229.06 5767.18 2003 1584.21 55.37 1658.36 2.38 0.00 1069.12 416.33 317.19 5102.96 -152.13 4950.84 2004 1967.05 112.26 1895.63 4.66 0.00 613.14 29.72 150.19 4772.64 -143.18 4629.46 2005 1897.12 83.78 2360.45 0.00 0.00 1218.41 69.71 37.59 5667.06 -170.01 5497.05 2006 (P) 1996.98 392.23 2604.91 0.00 0.00 793.73 33.21 42.08 5863.14 -175.90 5687.24 1er Trimestre 865.54 26.55 323.76 5.10 0.00 186.57 0.00 282.64 1690.16 -50.70 1639.46 2e Trimestre 777.51 23.59 274.09 4.49 0.00 184.48 0.00 135.37 1399.53 -41.99 1357.55 3e Trimestre 641.82 14.16 335.43 13.49 0.00 417.16 0.00 255.14 1677.20 -50.32 1626.88 4e Trimestre 599.33 19.20 356.63 2.87 0.00 106.60 0.00 144.71 1229.34 -86.05 1143.29 1er Trimestre 433.80 19.84 351.71 1.20 0.00 338.03 269.47 198.96 1613.01 -48.39 1564.62 2e Trimestre 396.27 11.80 372.36 0.00 0.00 226.46 59.43 90.83 1157.15 -34.74 1122.41 3e Trimestre 383.43 8.62 452.37 0.00 0.00 368.77 61.45 0.00 1274.64 -38.24 1236.40 4e Trimestre 370.71 15.11 481.92 1.18 0.00 135.86 25.98 27.40 1058.16 -30.75 1027.41 1er Trimestre 447.89 21.46 476.09 1.57 0.00 71.40 2.63 75.10 1096.14 -32.88 1063.26 2e Trimestre 439.70 32.21 377.56 1.81 0.00 169.13 4.55 49.35 1074.32 -32.23 1042.10 3e Trimestre 467.03 19.33 486.16 1.27 0.00 208.19 6.11 15.04 1203.13 -36.09 1167.04 4e Trimestre 612.42 39.26 555.81 0.00 0.00 164.42 16.43 10.70 1399.04 -41.97 1357.07 1er Trimestre 571.89 14.72 558.00 0.00 0.00 156.08 12.64 5.50 1318.83 -39.56 1279.27 2e Trimestre 396.61 15.36 535.09 0.00 0.00 535.69 13.05 12.09 1507.89 -45.24 1462.65 3e Trimestre 545.10 43.38 656.95 0.00 0.00 365.40 14.50 7.00 1632.33 -48.97 1583.36 4e Trimestre 383.52 10.32 610.41 0.00 0.00 161.24 29.52 13.00 1208.01 -36.24 1171.77 2002 2003 2004 2005 2006 (P) 1er Trimestre 719.65 49.62 650.16 0.00 0.00 288.49 0.00 0.00 1707.92 -51.23 1656.69 2e Trimestre 59.09 290.06 561.11 0.00 0.00 328.69 0.00 0.00 1238.95 -37.17 1201.78 3e Trimestre 575.95 29.83 669.08 0.00 0.00 164.70 33.21 24.28 1497.05 -44.92 1452.13 4e Trimestre 642.29 22.72 724.56 0.00 0.00 11.85 0.00 17.80 1419.22 -42.58 1376.64 Octobre 157.36 11.44 220.68 0.00 0.00 44.00 0.00 0.00 433.48 -13.00 420.48 Novembre 206.94 8.08 229.70 0.00 0.00 161.38 0.00 0.00 606.10 -18.18 587.92 Décembre 355.35 30.10 199.78 0.00 0.00 83.11 0.00 0.00 668.34 -20.05 648.29 Janvier 8.17 62.59 130.16 0.00 0.00 125.45 0.00 0.00 326.37 -9.79 316.58 Février 20.04 79.85 180.11 0.00 0.00 40.50 0.00 0.00 320.50 -9.62 310.88 Mars 30.88 147.62 250.84 0.00 0.00 162.74 0.00 0.00 592.08 -17.76 574.32 Avril 155.00 15.25 191.44 0.00 0.00 85.63 18.52 0.00 465.84 -13.98 451.86 Mai 186.44 7.86 262.26 0.00 0.00 38.81 4.20 24.28 523.85 -15.72 508.13 Juin 234.51 6.72 215.38 0.00 0.00 40.26 10.49 0.00 507.36 -15.22 492.14 Juillet 215.21 4.50 228.00 0.00 0.00 11.85 0.00 0.00 459.56 -13.79 445.77 Août 206.50 18.22 225.32 0.00 0.00 0.00 0.00 17.80 467.84 -14.04 453.80 Septembre 220.58 0.00 271.24 0.00 0.00 0.00 0.00 0.00 491.82 -14.75 477.07 2006 (P) 27 Sources : Banque de la République d'Haiti(BRH) -Département du Commerce des Etats-Unis d'Amérique (P): Données provisoires Tableau 1.19 Importations totales d'Haïti par catégories de produits. (En Millions de Dollars E.U.) Boissons Matières brutes Produits & non Combustibles Huiles & Produits Articles Machines Alimentaires Tabacs comestibles Minéraux Graisses Chimiques manufacturés Transport Articles Articles & matériels de manufacturés divers divers Total Ajustements 1/Total n.d.a. (C.I.F) (FOB) Période 2002 235.91 31.40 20.97 157.28 23.34 46.79 209.50 159.76 84.35 84.89 1054.21 73.80 980.42 2003 267.72 23.20 19.11 196.48 19.15 52.58 250.01 165.32 96.88 109.58 1200.03 84.00 1116.03 2004 355.84 21.92 19.34 217.97 22.48 49.75 251.20 173.22 86.64 103.25 1301.61 91.14 1210.47 2005 330.73 20.23 15.12 313.49 11.49 60.51 241.81 156.61 134.34 122.61 1406.94 98.48 1308.46 2006 (P) 367.60 19.80 19.50 395.90 19.20 65.30 249.60 260.20 123.70 143.90 1664.70 -116.50 1548.10 1er Trimestre 44.41 6.48 4.42 28.96 4.11 11.70 49.27 33.24 19.22 22.83 224.66 15.73 208.93 2e Trimestre 56.13 9.12 6.39 32.22 8.13 12.18 46.01 32.28 20.37 20.63 243.47 17.04 226.43 3e Trimestre 74.32 8.88 5.66 45.45 7.38 11.16 56.31 44.66 24.68 22.07 300.57 21.04 279.53 4e Trimestre 61.05 6.92 4.50 50.65 3.72 11.75 57.91 49.58 20.08 19.36 285.51 19.99 265.53 1er Trimestre 59.57 8.20 4.92 50.88 4.39 17.13 59.79 44.52 28.83 38.40 316.63 22.16 294.47 2e Trimestre 66.37 4.84 4.25 51.56 5.57 10.38 50.75 41.32 23.80 25.88 284.72 19.93 264.79 3e Trimestre 63.17 6.20 4.18 48.11 4.88 12.16 66.48 35.16 24.62 21.28 286.24 20.04 266.20 4e Trimestre 78.61 3.96 5.76 45.93 4.31 12.91 72.99 44.32 19.63 24.02 312.44 21.87 290.57 1er Trimestre 91.78 6.40 5.17 39.14 6.96 12.78 63.06 43.70 19.72 23.19 311.89 21.83 290.06 2e Trimestre 55.37 4.52 3.65 41.73 3.47 10.25 59.27 21.08 17.71 36.69 253.74 17.76 235.98 3e Trimestre 119.60 4.88 5.78 61.27 6.31 12.20 68.33 40.82 24.26 22.99 366.45 25.65 340.80 4e Trimestre 89.09 6.12 4.74 75.83 5.74 14.52 60.54 67.62 24.95 20.38 369.53 25.90 343.63 1er Trimestre 83.49 5.08 4.32 58.22 3.55 14.95 56.37 55.40 28.34 42.58 352.30 24.66 327.64 2e Trimestre 82.09 4.92 4.28 77.63 3.67 14.06 61.94 41.84 33.85 24.70 348.98 24.43 324.55 3e Trimestre 85.02 4.76 2.88 77.82 2.18 11.57 61.07 31.34 37.09 31.46 345.19 24.16 321.03 4e Trimestre 80.13 5.47 3.64 99.82 2.09 19.93 62.43 28.03 35.06 23.87 360.47 25.23 335.24 1er Trimestre 97.33 4.30 5.44 78.54 5.33 17.64 68.00 42.89 32.81 41.90 394.18 -27.59 366.59 2e Trimestre 92.74 5.08 3.67 93.75 3.95 12.10 62.86 43.69 33.52 39.96 391.32 -27.39 363.93 3e Trimestre 98.94 5.38 7.13 105.02 6.46 17.22 66.27 90.89 29.35 39.61 466.27 -32.65 433.62 4e Trimestre 78.62 5.01 3.27 118.55 3.47 18.30 52.49 82.74 28.01 22.43 412.89 -28.90 383.99 2002 2003 2004 2005 2006 (P) 2006(P) Octobre 23.41 1.46 1.17 28.12 1.25 2.09 26.01 8.46 10.65 11.80 114.42 -8.01 106.41 Novembre 50.40 1.40 3.09 25.09 2.80 12.75 20.21 14.88 13.29 10.67 154.58 -10.82 143.76 Décembre 23.52 1.44 1.18 25.33 1.28 2.80 21.78 19.55 8.87 19.43 125.18 -8.76 116.42 Janvier 26.76 1.40 1.04 25.49 0.84 2.05 22.40 17.88 11.73 13.00 122.59 -8.58 114.01 Février 43.52 2.44 2.27 42.65 3.08 7.50 21.66 12.60 10.99 10.70 157.41 -11.02 146.39 Mars 22.46 1.24 0.36 25.61 0.03 2.55 18.80 13.21 10.80 16.26 111.32 -7.79 103.53 Avril 30.07 1.62 1.39 25.46 2.87 3.87 21.60 32.60 11.99 14.17 145.64 -10.20 135.44 Mai 34.16 1.56 2.87 28.28 0.74 5.15 23.76 24.48 9.11 13.84 143.95 -10.08 133.87 Juin 34.71 2.20 2.87 51.28 2.85 8.20 20.91 33.81 8.25 11.60 176.68 -12.37 164.31 Juillet 17.84 1.37 0.83 33.66 0.25 6.05 16.86 25.32 9.52 7.97 119.67 -8.38 111.29 Août 41.24 2.54 2.06 50.58 0.97 6.35 16.60 24.81 9.49 7.29 161.93 -11.33 150.60 Septembre 19.54 1.10 0.38 34.31 2.25 5.90 19.03 32.61 9.00 7.17 131.29 -9.19 122.10 Sources : AGD - Sites Internet : Dpt du Commerce américain et Stat-Can (P): Données provisoires 1/ Ajustement pour Assurances et Fret 28 29 TABLEAU II.1 CHIFFRES CLÉS DU BILAN PAR BANQUE (en milliers de gourdes) BICH BNC BPH BUH CAPITALBK** PROMOBK SOCABK SOGEBK UNIBNK SOUS-TOTAL BHD*** SOCABL**** SOGEBL SOUS-TOTAL CBNA SCOTIA SOUS-TOTAL TOTAL BILAN AU 30 SEPTEMBRE 2006 Actif - 7443255 999574.7 2916534 3671737 - 5053835.3 22975095.91 21486579.7 64546611.61 - - 2285859.8 Bons B.R.H. - 2982673 106717.4 246000 197717 - 500000 2469568.7 1142322.4 7644998.5 - - - Prêts - 1016752 391650.4 790123 1256324 - 1549747.8 6035762.61 5767457.4 16807817.21 - - 935772.2 Dépôts - 5448270 755564.9 2632640.6 3122181 - 3952830.1 20413538.21 18515310 54840334.81 - - Avoir des Actionnaires - 936322 67550.2 47306.3 310911 - -890775.6 1143523.9 1597928.2 3212766 - - 6046192 1106506.1 2641655.5 3235507 3169588 6063235.3 18070229 17733020.6 58074417.5 - 2538000 123000 70000 120000 - 51100 1665000 900000 5467100 - 2005 889795 360246.9 774389 1242531 1304346 2786805.3 4765310.4 5151318 17276746.6 - 211248.8 2985.7 4625.6 4436196 583796 739099.6 63969.9 2273130.6 63302.2 2771545 200745 2697142 95599 5629001.4 64832.3 16597877.5 617290.5 15528987 1113673.4 50675964.8 2807833.9 - 8,560.2 4,588,188.0 1,122,342.1 2,298,149.9 2,771,701.0 3,062,335.0 6,499,326.8 14,881,848.9 13,623,997.5 48,856,449.4 - - 1,374,000.0 51,320.0 100,000.0 52,000.0 112,000.0 1,054,000.0 740,400.0 3,483,720.0 - 1,937.9 393,128.0 281,681.7 674,827.0 1,104,546.0 1,582,893.0 3,148,231.0 3,544,843.8 3,952,677.8 14,684,766.2 - 107,719.6 640,513.6 748,233.2 960,598.0 Dépôts 3,011.0 3,367,265.0 762,393.8 1,911,535.7 2,363,334.0 2,564,321.0 5,811,713.1 13,600,670.2 12,118,976.0 42,503,219.8 - 236,507.8 1,981,082.1 2,217,589.9 Avoir des Actionnaires 5,099.2 500,526.0 40,117.3 90,404.7 199,431.0 170,099.0 307,780.6 590,187.1 616,175.9 2,519,820.8 - 20,352.9 151,252.2 171,605.1 9,783.5 4,246,347.0 1,057,334.0 2,258,512.7 2,489,750.0 3,230,188.0 5,695,941.0 13,231,952.2 12,485,770.8 44,705,579.2 - 251,314.8 1,749,691.3 - 1,355,000.0 70,000.0 260,000.0 166,000.0 40,000.0 10,000.0 1,000,000.0 670,000.0 3,661,000.0 - - 87,000.0 1,629.2 519,476.0 403,473.5 628,700.5 921,318.0 1,440,179.0 2,381,555.6 3,697,450.4 3,463,029.4 13,456,811.6 - 89,052.8 Dépôts 3,976.4 2,951,566.0 857,690.8 1,864,673.7 2,017,122.0 2,662,861.0 5,011,716.2 11,811,508.9 11,143,976.8 38,325,091.8 - Avoir des Actionnaires 5,442.9 408,558.0 50,880.6 79,558.4 189,043.0 161,557.0 278,206.5 612,720.7 557,544.1 2,343,511.2 - 9,807.3 3,018,104.0 793,586.7 2,016,819.5 1,652,990.0 2,151,515.0 4,268,479.1 8,635,928.8 7,814,744.6 30,361,975.0 - - 1,208,000.0 35,000.0 50,000.0 115,000.0 23,000.0 1,050,000.0 450,000.0 2,931,000.0 - - 2,076.6 296,551.0 299,994.2 508,985.8 665,359.0 980,183.0 2,104,116.6 2,403,089.8 2,699,202.7 9,959,558.7 - Dépôts 3,781.6 2,152,157.0 689,358.9 1,706,728.5 1,377,184.0 1,917,114.0 3,624,100.0 7,778,010.0 6,913,088.1 26,161,522.0 Avoir des Actionnaires 5,863.2 213,611.0 27,853.8 98,332.3 129,502.0 102,205.0 265,986.5 393,407.4 429,930.6 1,666,691.8 10,618.7 2,395,827.0 710,388.1 2,003,838.0 1,521,554.0 1,879,267.0 3,797,718.4 7,170,045.1 6,415,086.2 25,904,342.5 - 875,000.0 44,000.0 235,000.0 159,000.0 10,000.0 35,000.0 880,000.0 400,000.0 2,638,000.0 - 2,392.4 166,083.0 299,397.6 626,413.0 603,268.0 825,793.0 2,027,344.7 1,977,738.3 1,967,374.6 8,495,804.6 Dépôts 4,432.1 1,747,558.0 584,036.5 1,782,797.0 1,307,579.0 1,647,802.0 3,241,196.7 6,316,161.0 5,665,638.5 Avoir des Actionnaires 5,987.4 161,245.0 20,374.5 14,607.0 132,426.0 126,664.0 208,269.2 418,348.3 354,924.2 10,579.5 2,130,388.0 819,066.3 2,432,493.0 1,462,698.0 2,117,826.0 3,892,201.2 6,780,820.3 - 600,000.0 83,000.0 415,000.0 3,671.9 281,997.0 287,004.3 800,469.0 682,601.0 954,141.0 2,287,867.1 Dépôts 4,185.3 1,672,715.0 668,904.9 2,178,434.0 1,179,458.0 1,582,404.0 Avoir des Actionnaires 5,882.3 81,153.0 24,826.7 23,212.0 144,295.0 124,171.0 8484 AU 30 SEPTEMBRE 2005 - Actif Bons B.R.H. Prêts Dépôts 2,285,859.80 3630388 2056548 5686936 38508 - 38508 7,683,506.5 935,772.20 1679729 1063262 2742991 20,486,580.4 1730196.2 1,730,196.20 2972999 1767692 4740691 61,311,222.0 255337.6 255,337.60 217260 155006 372266 3,840,369.6 337069.1 2179760.8 2516829.9 3175190 2044208 5219398 65,810,645.4 - - - - 60000 60000 5,527,100.0 910753 1122001.8 1555319 769954 2325273 20,724,021.4 232058.1 29019.4 1615183.9 179932.4 1847242 208951.8 2406910 197212 1841033 82084 4247943 279296 56,771,149.8 3,296,081.7 281,209.1 2,381,014.7 2,662,223.8 2,490,193.0 1,843,415.0 4,333,608.0 55,852,281.2 - 72,519,407.4 Avoir des Actionnaires AU 30 SEPTEMBRE 2004 Actif Bons B.R.H. Prêts - - - - 83,055.0 - 83,055.0 3,566,775.0 748,690.0 1,709,288.0 17,142,287.4 1,634,250.0 1,637,383.0 3,271,633.0 47,992,442.7 194,959.0 77,038.0 271,997.0 2,963,422.9 2,001,006.1 2,391,911.0 1,817,988.0 4,209,899.0 50,916,484.3 87,000.0 70,000.0 625,461.8 714,514.6 1,353,194.0 184,092.7 1,360,154.4 1,544,247.1 6,740.1 126,032.1 132,772.2 117,066.0 1,272,044.6 97,000.0 23,425.3 - AU 30 SEPTEMBRE 2003 Actif Bons B.R.H. Prêts - 70,000.0 3,818,000.0 703,798.0 2,056,992.0 16,228,318.2 1,526,887.0 1,632,767.0 3,159,654.0 43,028,992.9 171,633.0 82,313.0 253,946.0 2,730,229.4 1,389,110.6 2,194,325.0 1,384,635.0 3,578,960.0 35,330,045.7 97,000.0 98,417.0 25,000.0 123,417.0 3,151,417.0 481,392.8 504,818.1 1,101,608.0 594,531.0 1,696,139.0 12,160,515.8 68,089.9 990,482.9 1,058,572.9 1,728,168.0 1,256,256.0 2,984,424.0 30,204,518.9 12,562.4 100,390.7 112,953.1 202,638.0 63,004.0 265,642.0 2,045,286.8 - 884,115.7 1,023,374.4 2,130,834.0 1,235,101.0 3,365,935.0 30,293,651.9 - 89,000.0 89,000.0 50,000.0 50,000.0 2,777,000.0 33,282.0 - 406,410.5 439,692.5 1,106,489.0 534,896.0 1,641,385.0 10,576,882.1 22,297,200.8 52,838.4 - 773,341.8 826,180.2 1,758,913.0 1,106,028.0 2,864,941.0 25,988,322.0 1,442,845.6 11,818.9 - 77,848.4 89,667.3 168,740.0 54,564.0 223,304.0 1,755,816.9 5,887,554.2 25,533,626.5 95,153.0 - 682,911.4 778,064.4 2,607,199.0 1,190,326.0 3,797,525.0 30,109,215.9 45,000.0 1,163,000.0 - - 18,000.0 18,000.0 (754.0) 2,210,043.7 2,148,251.0 9,656,046.0 9,506.5 - 431,770.2 441,276.7 1,251,834.0 3,167,877.0 5,999,058.2 5,147,982.0 21,601,018.4 30,028.4 - 587,696.2 617,724.6 168,603.8 399,122.4 314,733.1 1,285,999.3 9,899.7 - 62,578.2 72,477.9 AU 30 SEPTEMBRE 2002 Actif Bons B.R.H. Prêts - AU 30 SEPTEMBRE 2001 Actif Bons B.R.H. Prêts 139,258.7 - AU 30 SEPTEMBRE 2000 Actif Bons B.R.H. Prêts - 20,000.0 - * La BIDC et sa filiale, la BMH, ont été acquises par la Sogebank en octobre 1998. En juin 1999, les opérations de ces deux entités ont été fusionnées avec celles de la Sogebank. ** La Capital Bank, à l'origine une Banque d'épargne et de logement, a modifié ses statuts pour devenir banque commerciale en mars 1999. *** La BHD, une banque d'Épargne et de Logement, a démarré ses opérations en novembre 1999. Elle fut déssaissie en février 2002. **** La Socabel a démarré ses opérations en novembre 2001. 30 - - (754.0) 1,180,246.0 539,085.0 1,790,919.0 11,888,241.7 1,711,564.0 1,076,089.0 2,787,653.0 25,006,396.0 113,359.0 64,661.0 178,020.0 1,536,497.2 Tableau II.2 CHIFFRES CLÉS DES RÉSULTATS PAR BANQUE (en milliers de gourdes) BICH BNC BPH BUH CAPITALBK** PROMOBK SOCABK SOGEBK UNIBNK SOUS-TOTAL BHD*** SOCABL**** SOGEBL SOUS-TOTAL CBNA SCOTIA SOUS-TOTAL TOTAL 2006 (oct. 05 - sept. 06) Revenus nets d'intérêt 386 608770 77560 210067 264603 46744 141705 864997 763320 2978152.1 5866.3 1E+05 129321 233358 2E+05 420044 3527516.7 Autres revenus 386 139299 46267 121576 117698 73556 203050 547681 663527 1913038.8 2178.1 16949 19127 95399 65654 161053 2093218.8 15076 11391 -33107 0 56575.3 42319.8 21646 63966.1 38426 8006 46431.6 166973 1E+06 919645 3565620.3 22640.9 65421 88062.2 170393 1E+05 317937 3971619.5 -56916.3 38937 -17979 67893 71172 139064.6 1219331.7 0 Dot. à la prov. pr créances dout. 7257 23617 0 32341 Frais d'exploitation 1353 395635 88381 329280 336896 184425 250722 Bénéfice net (Perte nette) -581 345177 20370 -14878 34014 -21712 94033 261329 380495 1098246 518 248943 52076 177545 217568 111643 212488 590132 465341 2076253.4 19742 97866 117608 168614 2E+05 324013 2517874.2 1228 148420 47766 104107 88466 68509 94625 432742 665031 1650893.4 6595.6 21341 27936.5 75130 36287 111417 1790246.9 9250 9035 10090 47376 100189 90596 291687 3600 7184 10783.6 -18000 14039 -3961 298509.6 3064520.4 23785.7 59231 83017 172847 1E+05 322434 3469971.4 -1048.1 36231 35182.6 62436 13300 75736.3 398797.9 2005 (oct. 04 - sept. 05) Revenus nets d'intérêt Autres revenus 0 Dot. à la prov. pr créances dout. 0 25151 Frais d'exploitation 1983 294904 71326 274953 281842 233297 336062 824802 745352 Bénéfice net (Perte nette) -237 102459 19267 -11993 15157 -63235 -77176 96963 206675 287879 Revenus nets d'intérêt 536.9 393,296.0 71,862.4 190,240.2 182,372.0 182,234.0 223,972.6 673,814.6 436,693.1 2,355,021.8 - 4,616.8 94,670.6 99,287.4 181,640.0 ####### 297,647.0 2,751,956.2 Autres revenus 653.6 82,700.0 54,704.5 61,137.5 80,077.0 101,969.0 110,459.4 351,983.0 409,834.8 1,253,518.8 - 11,929.4 18,226.9 30,156.3 64,764.0 45,618.0 110,382.0 1,394,057.1 - 6,000.0 50,908.8 13,500.0 5,207.0 21,432.0 4,500.0 99,999.9 37,862.9 239,410.6 - 5,000.0 6,573.5 11,573.5 18,149.0 17,737.0 35,886.0 286,870.1 Frais d'exploitation 1,534.7 376,936.0 73,623.4 221,803.0 238,359.0 241,303.0 284,615.6 787,559.4 731,475.8 2,957,209.9 - 25,140.6 52,176.9 77,317.5 143,530.0 ####### 258,626.0 3,293,153.4 Bénéfice net (Perte nette) (344.2) 93,060.0 2,034.7 10,448.5 18,883.0 14,024.0 37,366.4 110,824.7 67,422.6 353,719.7 - (13,594.4) 37,163.7 23,569.3 58,299.0 17,586.0 75,885.0 453,174.0 Revenus nets d'intérêt 480.8 333,879.5 63,408.1 159,753.6 153,677.0 182,475.8 201,912.5 690,557.1 483,712.7 2,269,857.1 - 6,118.5 91,546.4 97,664.9 192,834.0 ####### 307,010.0 2,674,532.0 Autres revenus 498.0 98,829.9 47,792.5 76,925.3 72,403.0 109,619.6 114,803.8 356,678.2 435,285.0 1,312,835.3 - 7,969.2 21,806.2 29,775.4 74,844.0 41,133.0 115,977.0 1,458,587.7 - - 10,076.3 11,500.0 4,343.0 17,970.6 4,600.0 70,490.6 28,242.4 147,222.9 - 3,300.0 6,794.9 10,094.9 28,189.0 (997.0) 27,192.0 184,509.8 2004 (oct. 03 - sept. 04) Dot. à la prov. pr créances dout. 2003 (oct. 02 - sept. 03) Dot. à la prov. pr créances dout. Frais d'exploitation 1,412.3 262,662.9 75,830.5 203,799.7 185,330.0 196,338.6 269,616.3 708,442.7 655,149.8 2,558,582.8 - 1,680.3 49,106.2 65,906.5 143,812.0 98,133.0 241,945.0 2,866,434.3 Bénéfice net (Perte nette) (454.4) 170,046.5 25,293.8 13,895.8 30,150.0 50,630.7 34,500.0 209,567.5 159,952.8 693,582.6 - (6,012.6) 39,422.8 33,410.2 69,785.0 38,036.1 107,821.1 834,813.9 Revenus nets d'intérêt 496.9 188,404.0 48,080.7 137,121.4 120,401.0 111,840.9 222,870.6 389,256.9 326,395.9 1,544,868.2 - (143.4) 71,590.3 71,446.8 139,168.0 91,676.0 230,844.0 1,847,159.0 Autres revenus 721.9 98,657.0 53,103.2 63,480.1 38,563.0 57,829.4 67,781.8 221,737.0 252,236.4 854,109.9 - 8,028.0 11,265.4 19,293.5 54,963.0 28,438.0 83,401.0 956,804.4 Dot. à la prov. pr créances dout. 25.7 - 39,138.6 24,807.0 1,489.0 23,557.3 12,200.0 37,813.0 9,743.7 148,774.4 - 35.0 4,594.0 4,629.0 12,271.0 13,637.0 25,908.0 179,311.3 2002 (oct. 01 - sept. 02) Frais d'exploitation 1,301.3 181,528.0 57,439.7 184,383.2 142,777.0 144,137.7 238,961.2 551,418.2 479,881.8 1,981,828.1 - 10,275.8 38,060.9 48,336.7 116,507.0 77,368.0 193,875.0 2,224,039.8 Bénéfice net (Perte nette) (108.2) 105,533.0 4,605.6 (5,582.1) 11,192.0 (1,348.0) 34,491.2 21,762.1 69,668.0 240,213.5 - (2,426.2) 27,606.1 25,179.9 45,041.0 17,353.6 62,394.6 327,788.0 Revenus nets d'intérêt 615.1 220,890.0 38,084.8 146,720.2 96,178.0 105,755.1 124,274.9 455,618.3 280,918.0 1,469,054.4 (1,665.6) - 55,249.8 53,584.2 140,362.0 70,472.0 210,834.0 1,733,472.6 Autres revenus 814.7 47,324.0 14,059.6 51,218.1 49,461.0 56,627.3 97,221.7 223,063.5 257,645.7 797,435.6 8,073.1 - 7,587.2 15,660.3 51,411.0 33,093.0 84,504.0 897,599.9 - 12,000.0 5,550.0 19,331.0 1,568.0 15,139.0 23,725.2 49,878.2 18,726.6 145,918.0 205.9 - 4,930.2 5,136.1 5,930.0 17,067.0 22,997.0 174,051.1 1,290.2 152,394.0 46,121.0 178,676.5 127,820.0 149,278.7 170,371.3 520,901.8 392,863.8 1,739,717.3 17,525.9 - 32,830.1 50,356.0 99,703.0 75,942.0 175,645.0 1,965,718.3 114.3 103,820.0 473.4 6,456.3 16,251.0 (3,160.3) 21,038.1 78,875.5 88,026.8 311,895.1 (11,324.3) - 17,246.0 5,921.7 62,938.0 510.5 63,448.5 381,265.3 2001 (oct. 00 - sept. 01) Dot. à la prov. pr créances dout. Frais d'exploitation Bénéfice net (Perte nette) 2000 (oct. 99 - sept. 00) Revenus nets d'intérêt Autres revenus Dot. à la prov. pr créances dout. Frais d'exploitation Bénéfice net (Perte nette) 361.5 134,662.0 38,404.5 130,655.0 81,095.0 118,519.6 85,505.6 381,606.6 220,585.6 1,191,395.4 452.9 - 54,539.5 54,992.4 78,269.0 75,318.0 153,587.0 1,399,974.8 1,067.3 59,086.0 9,100.9 84,568.0 40,188.0 53,628.9 67,120.6 202,551.8 169,344.9 686,656.4 4,223.9 - 17,665.5 21,889.4 101,219.0 22,013.0 123,232.0 831,777.8 52.1 17,774.0 7,000.0 24,487.0 4,033.0 10,500.0 20,099.2 37,635.0 17,400.0 138,980.3 275.3 - 5,477.4 5,752.7 - 2,187.0 2,187.0 146,920.0 1,226.5 123,416.0 39,916.3 193,536.0 84,180.0 111,544.7 109,269.9 442,872.5 281,344.0 1,387,305.9 7,047.2 - 27,384.7 34,431.9 66,531.0 60,724.0 127,255.0 1,548,992.8 129.9 52,558.0 589.1 8,097.0 33,070.0 40,569.7 20,307.1 87,898.3 63,435.2 306,654.3 (2,645.7) - 27,018.5 24,372.8 77,323.0 21,867.0 99,190.0 430,217.1 ** La Capital Bank, à l'origine une Banque d'épargne et de logement, a modifié ses statuts pour devenir banque commerciale en mars 1999. *** La BHD, une banque d'Épargne et de Logement, a démarré ses opérations en novembre 1999. Elle fut déssaissie en février 2002. **** La Socabel a démarré ses opérations en novembre 2001. 31 TABLEAU II.3 RATIOS FINANCIERS PAR BANQUE RATIOS DE STRUCTURE FINANCIÈRE ET DE QUALITÉ DE L'ACTIF BICH BNC BPH BUH CAPITALBK** PROMOBK SOCABK SOGEBK UNIBNK SOUS-TOTAL BHD*** SOCABL**** SOGEBL SOUS-TOTAL CBNA SCOTIA SOUS-TOTAL TOTAL STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2006 0.0% 12.6% 6.8% 1.6% 8.5% 0.0% -17.6% 5.0% 7.4% 5.0% 0.0% 11.2% 11.2% 6.0% 7.5% 6.5% Au 30 septembre 2005 54.5% 9.7% 5.8% 2.4% 6.2% 3.0% 1.1% 3.4% 6.3% 4.8% 8.6% 8.3% 8.3% 6.2% 4.0% 5.4% 5.3% 5.0% Au 30 septembre 2004 59.57% 10.91% 3.57% 3.93% 7.20% 5.55% 4.74% 3.97% 4.52% 5.16% - 7.24% 6.35% 6.45% 7.83% 4.18% 6.28% 5.31% Au 30 septembre 2003 55.63% 9.62% 4.81% 3.52% 7.59% 5.00% 4.88% 4.63% 4.47% 5.24% - 2.68% 7.20% 6.64% 7.18% 4.53% 6.03% 5.36% Au 30 septembre 2002 59.78% 7.08% 3.51% 4.88% 7.83% 4.75% 6.23% 4.56% 5.50% 5.49% - 10.73% 7.89% 8.13% 9.23% 4.55% 7.42% 5.79% Au 30 septembre 2001 56.39% 6.73% 2.87% 0.73% 8.70% 6.74% 5.48% 5.83% 5.53% 5.57% 8.49% - 8.81% 8.76% 7.92% 4.42% 6.63% 5.80% Au 30 septembre 2000 55.60% 3.81% 3.03% 0.95% 9.86% 5.86% 4.33% 5.89% 5.35% 5.04% 10.40% - 9.16% 9.32% 4.35% 5.43% 4.69% 5.10% Au 30 septembre 2006 0.00% 73.20% 75.59% 90.27% 85.03% 0.00% 78.21% 88.85% 86.17% 84.96% 0.00% 75.69% 75.69% 81.89% 85.95% 83.36% 84.54% Au 30 septembre 2005 35.19% 73.37% 66.80% 86.05% 85.66% 85.09% 92.84% 91.85% 87.57% 87.26% 68.85% 74.10% 73.40% 75.80% 90.06% 81.39% 86.26% Au 30 septembre 2004 35.17% 73.39% 67.93% 83.18% 85.27% 83.74% 89.42% 91.39% 88.95% 87.00% - 84.10% 83.20% 83.30% 65.63% 88.82% 75.49% 85.93% Au 30 septembre 2003 40.64% 69.51% 81.12% 82.56% 81.02% 82.44% 87.99% 89.27% 89.25% 85.73% - 73.25% 77.74% 77.17% 63.84% 89.81% 75.05% 84.51% Au 30 septembre 2002 38.56% 71.31% 86.87% 84.62% 83.31% 89.11% 84.90% 90.07% 88.46% 86.17% - 58.16% 77.87% 76.21% 78.76% 90.73% 83.39% 85.49% Au 30 septembre 2001 41.74% 72.94% 82.21% 88.97% 85.94% 87.68% 85.35% 88.09% 88.32% 86.08% 37.94% - 87.47% 80.73% 82.55% 89.55% 85.12% 85.79% Au 30 septembre 2000 39.56% 78.52% 81.67% 89.56% 80.64% 74.72% 81.39% 88.47% 87.44% 84.60% 31.56% - 86.06% 79.39% 65.65% 90.40% 73.41% 83.05% Au 30 septembre 2006 0.00% 6.79% 26.88% 11.32% 1.22% 0.00% 57.41% 6.06% 1.00% 12.30% 0.00% 8.52% 8.52% 0.00% 11.65% 4.57% 11.14% Au 30 septembre 2005 0.00% 9.06% 28.08% 12.19% 1.61% 14.06% 52.26% 5.99% 1.16% 13.38% 8.78% 10.60% 10.25% 0.00% 17.29% 5.98% 12.38% Au 30 septembre 2004 - 16.11% 18.07% 14.52% 1.34% 9.52% 5.04% 7.65% 1.04% 5.99% - 3.43% 11.35% 10.19% 0.99% 31.21% 14.37% 7.02% Au 30 septembre 2003 - 7.99% 16.31% 9.90% 1.52% 8.24% 6.64% 4.46% 0.95% 5.03% - - 9.66% 8.47% 0.66% 20.53% 7.68% 5.51% Au 30 septembre 2002 - 23.67% 27.24% 15.22% 1.46% 9.33% 7.41% 4.62% 0.29% 6.38% - - 4.90% 4.68% 1.57% 18.61% 7.82% 6.51% Au 30 septembre 2001 - 56.88% 30.20% 19.05% 2.64% 10.63% 4.60% 11.91% 0.58% 9.74% - - 6.62% 6.13% 2.31% 17.26% 7.33% 9.22% Au 30 septembre 2000 - 45.06% 21.93% 10.76% 2.80% 7.90% 4.16% 6.33% 0.93% 7.01% - - 3.82% 3.74% 2.57% 14.26% 6.15% 6.76% Au 30 septembre 2006 0.00% 107.29% 107.92% 72.70% 204.45% 0.00% 72.83% 106.68% 237.82% 86.99% 0.00% 67.90% 67.90% 0.00% 65.58% 143.07% 89.32% Au 30 septembre 2005 0.00% 138.33% 97.24% 47.09% 138.23% 52.29% 11.10% 105.62% 322.10% 46.08% 63.31% 45.33% 48.25% 0.00% 58.09% 99.84% 49.09% Au 30 septembre 2004 - 148.40% 166.12% 50.14% 151.53% 59.96% 74.01% 86.14% 321.61% 99.02% - 221.30% 49.10% 57.59% 708.36% 28.09% 54.21% 87.09% Au 30 septembre 2003 - 206.42% 84.29% 74.90% 143.94% 87.11% 71.75% 106.67% 364.12% 109.69% - - 56.66% 61.88% 406.62% 35.99% 56.54% 97.17% Au 30 septembre 2002 - 116.56% 56.65% 43.04% 161.10% 93.46% 51.73% 108.29% 910.50% 88.44% - - 95.12% 95.12% 158.46% 48.97% 62.93% 84.39% Au 30 septembre 2001 - 84.86% 39.60% 40.44% 85.28% 75.78% 72.86% 48.16% 514.23% 66.22% - - 61.11% 61.52% 151.24% 45.36% 67.51% 66.25% Au 30 septembre 2000 - 69.05% 58.35% 56.48% 54.63% 71.66% 50.35% 44.26% 267.20% 64.34% - - 103.31% 103.97% 81.01% 30.58% 45.20% 62.57% Au 30 septembre 2006 0.00% -0.58% -17.38% 56.26% -5.28% 0.00% -46.64% -2.28% -5.08% 9.38% 0.00% 10.63% 10.63% -47.82% 29.78% -15.51% 7.05% Au 30 septembre 2005 0.00% -6.05% 6.01% 83.71% -3.90% 98.78% 2120.14% -2.77% -12.37% 47.29% 24.83% 30.81% 29.98% -31.33% 75.56% 0.08% 42.19% Au 30 septembre 2004 - -8.05% -119.90% 58.30% -3.90% 37.64% 13.90% 6.82% -15.32% 0.36% - -23.79% 25.90% 20.01% -31.90% 239.04% 44.84% 5.58% Au 30 septembre 2003 - -12.95% 23.55% 21.20% -3.34% 10.19% 16.86% -1.96% -16.21% -2.96% - -49.48% 21.97% 18.34% -16.36% 121.30% 28.26% 0.98% Au 30 septembre 2002 - -7.52% 150.37% 48.03% -4.70% 6.41% 29.41% -2.46% -14.93% 4.67% - - 1.20% 1.07% -5.13% 98.59% 19.47% 6.39% Au 30 septembre 2001 - 17.14% 304.43% 527.17% 1.81% 18.25% 12.56% 30.97% -13.85% 20.71% -0.97% - 14.00% 12.03% -8.05% 100.31% 18.43% 19.97% Au 30 septembre 2000 - 70.34% 121.09% 171.85% 6.10% 18.23% 28.60% 20.11% -10.83% 19.66% -1.15% - -0.91% -0.94% 5.50% 86.29% 34.85% 20.45% Dépôts en % de l'actif QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Provision pour créances douteuses en % des prêts improductifs bruts Prêts improductifs nets en % de l'avoir des actionnaires * La BIDC et sa filiale, la BMH, ont été acquises par la Sogebank en octobre 1998. En juin 1999, les opérations de ces deux entités ont été fusionnées avec celles de la Sogebank. ** La Capital Bank, à l'origine une Banque d'épargne et de logement, a modifié ses statuts pour devenir Banque commerciale en mars 1999. *** La BHD, une banque d'Épargne et de Logement, a démarré ses opérations en novembre 1999. Elle fut déssaissie en février 2002. **** La Socabel, une banque d'Épargne et de Logement, a démarré ses opérations en novembre 2001. 32 1 Tableau II.4 RATIOS FINANCIERS PAR BANQUE RATIOS DE RENTABILITÉ BICH BNC BPH BUH CAPITALBK** PROMOBK SOCABK SOGEBK UNIBNK SOUS-TOTAL BHD*** SOCABL**** SOGEBL SOUS-TOTAL CBNA SCOTIA SOUS-TOTAL TOTAL RENTABILITÉ ROA (rendement de l'actif) 2006 (oct. 05 - sept. 2006) -13.70% 5.12% 1.93% -0.54% 0.98% -1.37% 1.69% 1.27% 1.94% 1.79% 2005 (oct. 04 - sept. 2005) -2.78% 1.93% 1.73% -0.48% 0.50% -2.06% -1.23% 0.59% 1.32% 0.54% 2004 (oct. 03 - sept. 2004) -3.75% 2.11% 0.19% 0.46% 0.72% 0.45% 0.61% 0.79% 0.52% 0.76% - -33.77% 1.74% -0.75% 2.00% 3.47% 2.55% 1.76% -0.28% 1.59% 1.32% 2.20% 0.68% 1.59% 0.66% -5.11% 1.80% 1.01% 2.39% 0.96% 1.78% 2003 (oct. 02 - sept. 2003) -1.06% 3.90% 0.61% -0.28% 0.71% -0.07% 0.86% 0.28% 0.98% 0.85% 0.85% - -4.14% 2.56% 2.09% 2.08% 1.32% 1.80% 2002 (oct. 01 - sept. 2002) 1.08% 4.59% 0.06% 0.29% 1.09% -0.16% 0.55% 1.13% 1.43% 1.00% 1.21% -9.66% - 2.20% 0.66% 2.66% 0.04% 1.77% 2001 (oct. 00 - sept. 2001) 1.26% 2.61% 0.07% 0.36% 2.65% 2.24% 0.66% 1.47% 2000 1.55% 2.18% 1.38% -0.21% 1.29% 0.50% 0.90% 1.14% 1.26% 1.37% 1.40% -4.29% - 4.53% 3.79% 3.81% 2.07% 3.21% 1.68% 1.00% 0.99% - - 2.65% 2.65% 1.80% -0.50% 0.89% 2006 (oct. 05 - sept. 2006) -25.13% 45.41% 30.98% -26.90% 13.30% -45.42% -22.77% 1.00% 29.68% 28.06% 36.48% -392.26% 17.89% -7.74% 32.76% 60.04% 42.69% 34.17% 2005 (oct. 04 - sept. 2005) -4.88% 18.88% 37.02% -16.40% 7.62% -50.00% 2004 (oct. 03 - sept. 2004) -6.53% 20.47% 4.47% 12.30% 9.72% 8.46% 2003 (oct. 02 - sept. 2003) -1.83% 56.31% 19.10% -9.89% 8.55% -1.18% -41.42% 16.06% 23.90% 10.85% -3.79% 21.88% 18.21% 31.84% 16.72% 27.48% 12.77% 12.75% 18.43% 11.49% 14.55% - -100.35% 26.81% 15.49% 31.81% 22.07% 28.86% 15.92% 14.55% 5.36% 17.75% 15.45% - -38.63% 30.98% 24.85% 24.26% 29.52% 25.52% 2002 (oct. 01 - sept. 2002) 1.93% 85.66% 2.09% 34.14% 11.75% -2.52% 17.25% 11.16% 19.30% 26.29% 22.86% -104.28% - 24.56% 7.30% 44.62% 0.86% 31.62% 2001 (oct. 00 - sept. 2001) 2.23% 81.79% 2.17% 15.11% 25.35% 38.51% 14.37% 23.38% 2000 2.76% 50.96% 40.07% -4.61% 10.15% 8.08% 17.31% 17.42% 23.16% 25.10% 26.51% -23.71% - 52.56% 43.25% 110.32% 74.34% 99.68% 32.78% 18.98% 17.30% - - 36.27% 36.27% 122.38% -97.11% 81.22% 18.48% 2006 (oct. 05 - sept. 2006) 95.86% 90.02% 78.35% 87.01% 83.69% 54.08% 51.18% 65.94% 67.06% 71.82% 2005 (oct. 04 - sept. 2005) 95.52% 86.38% 66.12% 90.17% 88.54% 68.10% 45.86% 71.43% 69.42% 70.77% 2004 (oct. 03 - sept. 2004) 87.92% 79.43% 61.02% 78.60% 65.22% 57.19% 36.56% 55.10% 47.28% 55.90% - 37.65% 63.48% 63.48% 72.62% 91.12% 79.82% 72.24% 59.27% 64.62% 63.65% 80.13% 88.29% 83.84% 71.83% 17.35% 35.91% 35.91% 64.81% 58.80% 62.33% 2003 (oct. 02 - sept. 2003) 80.81% 82.63% 71.73% 78.12% 74.35% 66.71% 40.51% 70.03% 63.77% 66.35% 2002 (oct. 01 - sept. 2002) 82.25% 77.28% 66.99% 71.53% 75.81% 65.52% 50.05% 68.76% 69.31% 66.60% 55.25% - 40.60% 57.77% 57.77% 61.10% 69.70% 64.04% 65.65% - -2.94% 66.35% 66.35% 72.71% 69.19% 71.27% 2001 (oct. 00 - sept. 2001) 84.76% 79.99% 51.04% 58.17% 55.92% 53.55% 28.10% 66.14% 51.66% 67.01% 55.48% -88.56% - 53.29% 53.29% 51.49% 47.70% 50.16% 2000 74.54% 79.57% 47.66% 61.39% 62.28% 67.62% 29.75% 71.12% 54.62% 58.93% 60.57% 62.24% - 67.06% 67.02% 48.04% 66.35% 55.56% 2006 (oct. 05 - sept. 2006) 40.19% 15.08% 15.07% 24.34% 20.54% 10.23% 9.28% 60.20% 12.51% 13.55% 13.56% 6.66% 13.21% 12.54% 17.67% 17.78% 17.71% 14.01% 2005 (oct. 04 - sept. 2005) 27.50% 17.49% 15.85% 23.45% 18.69% 10.28% 2004 (oct. 03 - sept. 2004) 33.19% 20.07% 22.89% 25.37% 21.90% 19.45% 2003 (oct. 02 - sept. 2003) 29.95% 20.02% 20.77% 23.15% 22.00% 20.43% 14.35% 12.17% 10.88% 13.36% 15.30% 13.67% 13.95% 15.37% 19.58% 17.00% 13.78% 19.95% 18.46% 18.31% 19.57% - 19.04% 15.83% 16.26% 22.24% 24.07% 22.96% 19.81% 20.92% 20.49% 19.59% 20.56% - 20.86% 17.09% 17.43% 24.08% 22.15% 23.39% 2002 (oct. 01 - sept. 2002) 27.04% 15.98% 18.94% 24.82% 20.26% 20.79% 16.26% 20.50% 17.13% 16.10% 18.24% - 19.79% 18.15% 17.57% 16.60% 19.76% 17.71% 2001 (oct. 00 - sept. 2001) 23.93% 17.43% 18.57% 23.38% 2000 13.05% 13.51% 16.04% 21.12% 18.13% 21.64% 19.37% 19.10% 20.79% 21.01% 20.37% 7.03% 18.06% 17.54% 21.68% 23.28% 22.20% 20.53% 17.53% 18.38% 14.86% 16.66% 15.33% 16.46% 9.59% 17.73% 17.69% 14.62% 18.49% 15.95% 2006 (oct. 05 - sept. 2006) 1.12% 1.37% 2.87% 16.43% 1.28% 1.75% 2.94% 2.82% 2.41% 2.20% 2.21% 4.25% 4.51% 3.27% 1.01% 2.36% 2005 (oct. 04 - sept. 2005) 0.81% 1.01% 2004 (oct. 03 - sept. 2004) 2.11% 3.22% 2.30% 3.55% 0.91% 1.10% 1.98% 4.39% 1.56% 1.48% 1.84% 5.79% 2.98% 3.30% 2.07% 1.19% 1.66% 1.88% 5.67% 2.74% 4.44% 5.22% 7.18% 4.32% 4.19% 4.60% - 10.46% 10.11% 10.15% 6.24% 4.97% 5.59% 2003 (oct. 02 - sept. 2003) 2.94% 4.90% 2.75% 3.23% 2.51% 3.12% 3.98% 6.87% 3.02% 3.04% 3.57% - 7.10% 5.69% 5.83% 7.54% 3.44% 5.61% 2002 (oct. 01 - sept. 2002) 3.82% 2.61% 2.84% 3.72% 3.13% 2.86% 3.30% 6.48% 2.51% 2.30% 3.20% - 14.74% 4.12% 4.39% 3.00% 3.46% 3.18% 3.24% 2001 (oct. 00 - sept. 2001) 2.57% 3.23% 5.83% 5.33% 6.10% 5.68% 9.92% 3.79% 4.86% 5.37% 8.56% - 7.12% 7.20% 7.62% 7.08% 7.41% 5.65% 2000 2.96% 2.22% 6.18% 4.11% 4.96% 3.98% 7.79% 2.93% 3.75% 4.16% 1.60% - 5.29% 5.19% 5.80% 3.90% 5.04% 4.28% 2006 (oct. 05 - sept. 2006) 175.30% 52.89% 71.37% 99.29% 88.12% 153.30% 72.72% 74.98% 64.45% 72.90% 281.45% 46.60% 59.32% 51.83% 58.47% 54.71% 70.66% 2005 (oct. 04 - sept. 2005) 113.59% 74.22% 71.44% 97.62% 92.09% 129.50% 109.43% 80.64% 65.94% 82.22% 90.31% 49.69% 57.04% 70.91% 78.04% 74.05% 80.54% 2004 (oct. 03 - sept. 2004) 128.91% 79.19% 58.17% 88.23% 90.82% 84.91% 85.10% 76.78% 86.41% 81.95% - 151.94% 46.22% 59.73% 58.25% 71.21% 63.38% 79.43% 2003 (oct. 02 - sept. 2003) 144.29% 60.70% 68.19% 86.11% 81.98% 67.22% 85.13% 67.65% 71.29% 71.42% - 119.26% 43.32% 51.72% 53.73% 63.19% 57.20% 69.35% 2002 (oct. 01 - sept. 2002) 106.77% 63.24% 56.77% 91.92% 89.82% 84.95% 82.22% 90.25% 82.93% 82.61% - 130.33% 45.94% 53.27% 60.01% 64.41% 61.70% 79.32% 2001 (oct. 00 - sept. 2001) 90.24% 56.82% 88.45% 85.93% 87.76% 91.93% 76.92% 76.75% 72.95% 76.42% 273.52% - 52.25% 72.72% 51.99% 73.33% 59.47% 74.43% 2000 85.84% 63.70% 84.02% 89.92% 69.41% 64.80% 71.59% 75.81% 72.15% 73.87% 150.68% - 37.93% 44.79% 37.07% 62.39% 45.97% 69.41% 1,019.15 655.59 688.13 1,323.97 1,733.71 1,346.51 392.41 2,552.79 1,953.26 7,070.04 2,601.44 4,049.46 (oct. 99 - sept. 2000) ROE (rendement de l'avoir des actionn.) (oct. 99 - sept. 2000) Revenus nets d'intérêt en % des revenus d'intérêt (oct. 99 - sept. 2000) Rendement moyen des prêts (oct. 99 - sept. 2000) Rémunération moyenne des dépôts (oct. 99 - sept. 2000) 8.37% Dépenses d'exploitation en % du produit net bancaire (marge nette d'intérêt + autres revenus) (oct. 99 - sept. 2000) Productivité par employé ('000) 2006 (oct. 05 - sept. 2006) 85.78 2,253.22 824.98 1,339.06 2005 (oct. 04 - sept. 2005) 193.93 1,235.97 849.72 677.05 1,039.16 928.62 642.50 1,185.94 1,473.76 1,077.21 2004 (oct. 03 - sept. 2004) 125.32 1,693.94 1,016.60 678.48 961.35 1,487.97 922.57 1,235.16 1,162.02 1,155.66 1,462.78 1,097.40 2,073.16 1,785.82 5,241.81 2,165.94 3,225.41 1,153.75 - 719.40 1,897.44 1,569.01 5,187.45 1,983.13 3,163.08 1,233.38 2003 (oct. 02 - sept. 2003) 97.88 1,710.31 926.67 774.73 976.59 1,664.36 932.89 1,347.79 1,269.33 1,228.42 - 655.24 1,937.65 1,593.00 4,957.00 1,816.48 3,032.16 1,293.82 2002 (oct. 01 - sept. 2002) 121.88 1,290.16 987.16 792.89 735.94 1,824.41 951.40 625.06 803.10 893.81 - 788.46 1,404.33 1,243.02 3,081.44 1,349.60 2,067.40 847.63 2001 (oct. 00 - sept. 2001) 142.98 1,274.18 524.06 733.47 717.43 917.41 851.91 656.05 856.22 783.11 256.30 - 1,112.16 849.63 3,044.02 1,157.15 1,936.64 840.84 2000 142.88 732.51 452.43 621.13 699.04 1,037.44 750.01 679.65 794.16 716.95 425.16 - 1,402.04 1,492.85 3,234.02 1,125.21 1,949.43 793.37 (oct. 99 - sept. 2000) * La BIDC et sa filiale, la BMH, ont été acquises par la Sogebank en octobre 1998. En juin 1999, les opérations de ces deux entités ont été fusionnées avec celles de la Sogebank. ** La Capital Bank, à l'origine une Banque d'épargne et de logement, a modifié ses statuts pour devenir Banque commerciale en mars 1999. *** La BHD, une banque d'Épargne et de Logement, a démarré ses opérations en novembre 1999. Elle fut déssaissie en février 2002. **** La Socabel, une banque d'Épargne et de Logement, a démarré ses opérations en novembre 2001. 33 1 TABLEAU II.5 SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2006 (en milliers de gourdes) BICH BNC BPH BUH CAPITALBK SOCABK SOGEBK UNIBNK SOUS-TOTAL SOGEBL SOUS-TOTAL CBNA SCOTIA SOUS-TOTAL SYSTÈME ACTIF Disponibilités Encaisse - 801,441.0 100,124.4 365,242.0 178,249.0 228,097.2 1,001,217.7 527,970.6 3,202,341.9 18,602.3 18,602.3 11,751.0 47,696.0 59,447.0 3,280,391.2 Avoirs à la BRH - 1,503,447.0 202,023.7 610,035.8 805,189.0 1,200,151.7 4,993,510.8 5,238,508.9 14,552,866.9 222,919.4 222,919.4 952,576.0 584,270.0 1,536,846.0 16,312,632.3 Avoirs à l'étranger - 86,064.0 85,974.9 164,629.8 540,162.0 237,555.1 827,684.7 403,627.2 2,345,697.7 8,595.3 8,595.3 542,602.0 141,980.0 684,582.0 3,038,875.0 Avoirs dans les banques locales - - - 56,102.8 43,410.0 18,249.0 300,654.0 71,601.3 490,017.1 902,544.6 902,544.6 60,000.0 60,000.0 Autres liquidités - 98,506.0 16,608.1 28,958.1 109,407.0 42,149.7 275,722.7 303,570.2 874,921.8 10,424.6 10,424.6 102,230.0 69,435.0 171,665.0 1,057,011.4 - 2,489,458.0 404,731.1 1,224,968.5 1,676,417.0 1,726,202.7 7,398,789.8 6,545,278.2 21,465,845.3 1,163,086.2 1,163,086.2 1,609,159.0 903,381.0 2,512,540.0 25,141,471.5 Bons B.R.H. - 2,982,673.0 106,717.4 246,000.0 500,000.0 2,469,568.7 1,142,322.4 7,644,998.5 Autres Placements - 656,840.0 28,477.4 119,360.9 237,962.0 110,278.2 4,791,990.0 6,706,793.5 12,651,702.0 32,373.7 32,373.7 - 1,016,752.0 391,650.4 790,123.0 1,256,324.0 1,549,747.8 6,035,762.6 5,767,457.4 16,807,817.2 935,772.2 935,772.2 Immobilisations - 196,304.0 1,039,906.1 Autres actifs - 47,382.0 13,183.0 133,882.9 107,013.0 127,700.5 934,916.5 518,076.5 1,882,154.4 29,119.8 29,119.8 277,663.0 29,419.0 307,082.0 2,218,356.2 - 7,443,255.0 999,574.7 2,916,534.0 3,671,737.0 5,053,835.3 22,975,095.9 21,486,579.7 64,546,611.6 2,285,859.8 2,285,859.8 3,630,388.0 2,056,548.0 5,686,936.0 72,519,407.4 À vue - 1,530,615.0 221,258.9 615,372.3 1,304,582.0 379,395.9 6,485,680.9 5,716,294.7 16,253,199.7 927,541.0 607,425.0 1,534,966.0 18,071,250.8 Épargne - 2,714,561.0 208,147.4 1,356,650.7 882,885.0 1,803,676.6 7,957,204.4 8,027,627.7 22,950,752.8 279,358.4 279,358.4 179,476.0 775,498.0 954,974.0 24,185,085.2 À terme - 1,203,094.0 326,158.6 660,617.6 934,714.0 1,769,757.6 5,970,652.9 4,771,387.6 15,636,382.3 1,167,752.7 1,167,752.7 1,865,982.0 384,769.0 2,250,751.0 19,054,886.0 - 5,448,270.0 755,564.9 2,632,640.6 3,122,181.0 3,952,830.1 20,413,538.2 18,515,310.0 54,840,334.8 1,730,196.2 1,730,196.2 2,972,999.0 1,767,692.0 4,740,691.0 61,311,222.0 54,815.4 402,198.7 1,344,068.2 806,651.7 4,094,094.1 - 125,507.9 - 125,507.9 38,508.0 1,679,729.0 25,329.0 - 1,452,561.7 Portefeuille net 250,150.0 197,717.0 - 1,063,262.0 60,486.0 38,508.0 7,683,506.5 - 12,684,075.7 2,742,991.0 85,815.0 20,486,580.4 4,305,417.0 PASSIF Dépôts 283,085.1 283,085.1 Obligations à vue Banques locales - 3,000.0 - - - - - - - - 3,000.0 - - - 190,271.0 - - 190,271.0 193,271.0 Banques à l'étranger - - - Autres - 639,183.0 151,248.2 104,993.2 151,118.0 163,786.1 588,827.5 488,529.7 2,287,685.7 48,270.7 48,270.7 154,461.0 115,083.0 269,544.0 - 2,605,500.4 - 642,183.0 151,248.2 104,993.2 151,118.0 163,786.1 588,827.5 488,529.7 2,290,685.7 48,270.7 48,270.7 344,732.0 115,083.0 459,815.0 2,798,771.4 - 234,775.2 234,775.2 Obligations à terme Banques locales - Banque à l'étranger - - - - - 74,345.5 74,345.5 - - - - - 74,345.5 Autres - 352,057.0 18,525.6 5,811.2 25,905.0 44,587.8 285,319.4 171,995.2 904,201.2 14,645.5 14,645.5 65,058.0 18,307.0 83,365.0 1,002,211.7 - 352,057.0 18,525.6 5,811.2 25,905.0 44,587.8 285,319.4 246,340.7 978,546.7 249,420.7 249,420.7 65,058.0 18,307.0 83,365.0 1,311,332.4 Autres passifs - - - - - - - - - - - - 234,775.2 - 64,423.0 6,685.8 125,782.7 61,622.0 1,783,406.9 543,887.0 638,471.1 3,224,278.5 2,634.6 2,634.6 30,339.0 460.0 30,799.0 3,257,712.1 - 6,506,933.0 932,024.5 2,869,227.7 3,360,826.0 5,944,610.9 21,831,572.0 19,888,651.5 61,333,845.6 2,030,522.2 2,030,522.2 3,413,128.0 1,901,542.0 5,314,670.0 68,679,037.8 5,000.0 AVOIR DES ACTIONNAIRES Capital versé - 500,000.0 62,500.0 89,958.0 2,000,000.0 300,000.0 3,364,784.5 90,000.0 90,000.0 103,837.0 34,372.0 138,209.0 Réserves - 59,623.0 2,500.0 32,350.3 135,294.0 12,900.0 372,417.2 159,948.3 775,032.8 74,195.5 74,195.5 51,919.0 17,186.0 69,105.0 918,333.3 Surplus d'apport - - 14,325.0 39,430.9 717.0 (1,608,548.0) 286.3 399,989.2 (1,153,799.7) - - - 15,061.0 15,061.0 (1,138,738.7) BNR - 45,725.2 (86,974.9) 84,942.0 (1,295,127.6) 470,820.5 630,664.2 226,748.4 91,142.1 91,142.1 61,504.0 88,387.0 149,891.0 467,781.5 376,699.0 407,326.5 3,592,993.5 - 936,322.0 67,550.2 47,306.3 310,911.0 (890,775.6) 1,143,523.9 1,597,928.2 3,212,766.0 255,337.6 255,337.6 217,260.0 155,006.0 372,266.0 3,840,369.6 - 7,443,255.0 999,574.7 2,916,534.0 3,671,737.0 5,053,835.3 22,975,095.9 21,486,579.7 64,546,611.6 2,285,859.8 2,285,859.8 3,630,388.0 2,056,548.0 5,686,936.0 72,519,407.4 Hors-bilan Effets à l'encaissement - - Crédit documentaire - 99,500.0 Autres - 72,571.0 126,241.2 - 220,438.7 Portefeuille brut - 1,096,694.0 551,650.4 860,985.6 Provisions pour créances douteuses - 79,942.0 160,000.0 70,862.6 Portefeuille de crédit improductif - 74,510.0 148,262.0 97,479.0 - - - - 114,468.0 112.9 - 52,443.0 167,023.9 - - 54,849.2 338,820.0 425,959.9 919,129.1 75,771.0 27,390.0 103,161.0 1,022,290.1 - 48,130.6 1,409,106.5 947,108.9 2,823,596.9 114,580.9 109,396.0 - 109,396.0 170,334.0 213,473.0 383,807.0 3,316,799.9 1,288,433.0 2,663,370.3 6,453,217.2 5,907,396.9 18,821,747.4 993,198.4 993,198.4 1,783,631.0 1,151,198.0 2,934,829.0 22,749,774.8 32,109.0 1,113,622.6 417,454.5 139,939.5 2,013,930.2 57,426.2 57,426.2 103,902.0 87,936.0 191,838.0 2,263,194.4 15,705.0 1,529,091.0 391,330.0 58,841.9 2,315,218.9 84,576.6 84,576.6 134,090.0 134,090.0 2,533,885.5 - - 52,443.0 - * La Capital Bank, à l'origine une Banque d'épargne et de logement, a modifié ses statuts pour devenir Banque commerciale en mars 1999. ** La Socabel, une banque d'Épargne et de Logement, a démarré ses opérations en novembre 2001. 34 1 TABLEAU II.6 RÉSULTATS CUMULATIFS PAR BANQUE (en milliers de gourdes) BICH BNC BPH BUH CAPITALBK PROMOBK SOCABK SOGEBK UNIBNK SOUS-TOTAL SOCABL SOGEBL SOUS-TOTAL CBNA SCOTIA SOUS-TOTAL SYSTÈME CUMUL - 2006 (octobre 05 - sept. 06) REVENUS NETS D'INTÉRÊT Revenus d'intérêt 402.9 159,371.0 78,894.5 204,776.9 762,886.3 2,523,502.9 478,900.0 3,138,657.7 Intérêts sur Bons B.R.H. - 463,371.0 20,090.9 28,878.4 28,054.0 1,690.0 371,828.3 171,055.3 1,084,967.9 - 1,796.0 3,827.0 5,623.0 1,090,590.9 Autres Prêts - 53,506.0 7,781.0 25,297.0 14,456.0 14,433.4 218,380.7 204,338.2 538,192.3 8,133.0 65,661.6 73,794.6 19,070.0 22,625.0 41,695.0 653,681.9 402.9 676,248.0 98,985.4 241,436.3 316,164.0 86,440.0 276,880.6 1,311,826.1 1,138,279.8 4,146,663.1 15,582.1 194,467.3 210,049.4 321,343.0 204,875.0 526,218.0 4,882,930.5 16.7 67,478.0 21,425.5 31,369.5 51,561.0 39,696.0 135,175.9 446,828.7 374,959.7 1,168,511.0 9,715.8 71,013.0 80,728.8 87,985.0 18,189.0 106,174.0 1,355,413.8 386.2 608,770.0 77,559.9 210,066.8 264,603.0 46,744.0 141,705 864,997.4 763,320.1 2,978,152.1 5,866.3 123,454.3 129,320.6 233,358.0 186,686.0 420,044.0 3,527,516.7 Dépenses d'intérêt - 262,813.0 71,984.0 260,757.2 - 721,617.1 7,449.1 128,805.7 136,254.8 - 300,477.0 - 178,423.0 AUTRES REVENUS Commissions 76.6 70,620.0 9,667.2 65,790.8 52,917.0 19,758.0 54,431.2 253,959.4 217,287.3 744,507.5 342.8 8,477.4 8,820.2 53,383.0 38,450.0 91,833.0 845,160.7 Gains sur change - 40,455.0 34,789.0 21,641.1 54,882.0 19,295.0 33,033.4 125,724.4 123,750.2 453,570.1 593.0 5,818.9 6,411.9 42,673.0 21,410.0 64,083.0 524,065.0 Autres PRODUIT NET BANCAIRE Dotation à la provision pour créances douteuses 309.2 28,224.0 1,810.5 34,143.6 9,899.0 34,503.0 115,585.8 167,997.0 322,489.1 714,961.2 1,242.3 2,652.6 3,894.9 (657.0) 5,794.0 5,137.0 723,993.1 385.8 139,299.0 46,266.7 121,575.5 117,698.0 73,556.0 203,050.4 547,680.8 663,526.6 1,913,038.8 2,178.1 16,948.9 19,127.0 95,399.0 65,654.0 161,053.0 2,093,218.8 772.0 748,069.0 123,826.6 331,642.3 382,301.0 120,300.0 344,755 1,412,678.2 1,426,846.7 4,891,190.9 8,044.4 140,403.2 148,447.6 328,757.0 252,340.0 581,097.0 5,620,735.5 - 7,257.0 15,075.9 23,617.0 11,391.0 (33,107.0) - 56,575.3 42,319.8 21,646.3 63,966.1 38,426.0 8,005.6 46,431.6 166,973.0 772.0 740,812.0 108,750.7 308,025.3 370,910.0 153,407.0 (34,275.4) 118,756.9 84,481.5 290,331.0 244,334.4 534,665.4 5,453,762.5 199,633.0 44,796.5 119,816.1 101,903.0 3,880.1 47,895.0 116,546.0 1,444,378.7 32,341.4 - BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU 344,755.1 1,380,336.8 1,426,846.7 4,834,615.6 72,210.7 368,899.1 350,248.7 1,298,250.8 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux 733.7 25,701.8 29,581.9 Frais de locaux 160.0 13,581.0 3,129.4 33,291.3 47,454.0 18,523.0 23,446 47,449.1 40,143.3 227,177.1 3,556.4 8,836.4 12,392.8 12,325.0 15,352.0 27,677.0 Amortissement - 34,341.0 8,160.2 32,764.0 26,531.0 14,133.0 28,545.5 93,049.5 80,015.1 317,539.3 1,767.8 7,099.8 8,867.6 14,161.0 20,174.0 34,335.0 360,741.9 459.6 148,080.0 32,294.4 143,408.6 161,008.0 111,759.0 126,520 549,885.4 449,238.2 1,722,653.1 13,436.6 23,783.3 37,219.9 75,256.0 64,123.0 139,379.0 1,899,252.0 1,353.3 395,635.0 88,380.5 329,280.0 336,896.0 184,425.0 250,722.1 1,059,283.1 919,645.3 3,565,620.3 22,640.9 65,421.3 88,062.2 170,393.0 147,544.0 317,937.0 3,971,619.5 (581.3) 345,177.0 20,370.2 (21,254.7) 34,014.0 (31,018.0) 94,033.0 321,053.7 507,201.4 1,268,995.3 (56,916.3) 53,335.6 (3,580.7) 119,938.0 96,790.4 216,728.4 1,482,143.0 59,725.10 126,706.80 170,749.30 - 14,398.20 14,398.20 52,045.00 25,618.80 77,663.80 262,811.30 261,328.600 380,494.600 1,098,246.000 38,937.400 (17,978.900) 67,893.000 71,171.600 139,064.600 1,219,331.700 Autres dépenses d'exploitation BÉNÉFICE AVANT IMPÔTS SUR LE REVENU Impôts sur le revenu BÉNÉFICE NET (PERTE NETTE) - - (581.300) BICH - 345,177.000 BNC (6,376.60) 20,370.200 BPH (14,878.100) BUH - 34,014.000 CAPITALBK 40,010.0 (9,306.00) (21,712.000) PROMOBK - 94,033.000 SOCABK SOGEBK UNIBNK SOUS-TOTAL (56,916.300) SOCABL SOGEBL SOUS-TOTAL 68,651.0 CBNA SCOTIA SOUS-TOTAL 267,246.9 SYSTÈME CUMUL - 2005 (octobre 04 - sept. 05) REVENUS NETS D'INTÉRÊT Revenus d'intérêt 542.1 134,120.0 71,192.6 182,251.6 224,066.0 154,359.0 446,950.8 540,687.2 513,690.5 2,267,859.8 Intérêts sur Bons B.R.H. Prêts - 144,999.0 7,009.6 12,614.1 6,483.0 20.0 6,446.5 111,648.6 60,575.0 349,795.8 - Autres - 9,080.0 557.7 2,036.9 15,180.0 9,561.0 9,935.0 173,872.3 96,100.5 316,323.4 542.1 288,199.0 78,759.9 196,902.6 245,729.0 163,940.0 463,332.3 826,208.1 670,366.0 24.3 39,256.0 26,683.5 19,357.3 28,161.0 52,297.0 250,844.8 236,076.6 205,025.1 517.8 248,943.0 52,076.4 177,545.3 217,568.0 111,643.0 212,488 590,131.5 Dépenses d'intérêt 25,964.0 111,754.6 137,718.6 203,640.0 164,096.0 367,736.0 2,773,314.4 19.0 19.0 2,013.0 1,591.0 3,604.0 353,418.8 7,343.6 39,685.3 47,028.9 4,785.0 10,325.0 15,110.0 378,462.3 2,933,979.0 33,307.6 151,458.9 184,766.5 210,438.0 176,012.0 386,450.0 3,505,195.5 857,725.6 13,565.6 53,593.1 67,158.7 41,824.0 20,613.0 62,437.0 987,321.3 465,340.9 2,076,253.4 19,742.0 97,865.8 117,607.8 168,614.0 155,399.0 324,013.0 2,517,874.2 AUTRES REVENUS Commissions Gains sur change Autres PRODUIT NET BANCAIRE Dotation à la provision pour créances douteuses 75,538.0 9,619.7 43,429.8 45,323.0 28,503.0 57,362.1 179,076.2 167,132.8 606,139.7 1,798.4 10,772.5 12,570.9 52,086.0 20,510.0 72,596.0 691,306.6 - 32,675.0 35,003.3 15,037.4 38,407.0 32,519.0 29,010.7 84,963.7 138,488.4 406,104.5 3,061.7 8,819.0 11,880.7 22,070.0 15,170.0 37,240.0 455,225.2 1,072.5 155.1 40,207.0 3,143.0 45,639.3 4,736.0 7,487.0 8,252.4 168,702.0 359,410.0 638,649.2 1,735.5 1,749.4 3,484.9 974.0 607.0 1,581.0 643,715.1 1,227.6 148,420.0 47,766.0 104,106.5 88,466.0 68,509.0 94,625.2 432,741.9 665,031.2 1,650,893.4 6,595.6 21,340.9 27,936.5 75,130.0 36,287.0 111,417.0 1,790,246.9 1,745.4 397,363.0 99,842.4 281,651.8 306,034.0 180,152.0 307,113 1,022,873.4 1,130,372.1 3,727,146.8 26,337.6 119,206.7 145,544.3 243,744.0 191,686.0 435,430.0 4,308,121.1 9,250.2 25,151.0 9,035.0 10,090.0 47,376 100,189.0 90,595.7 291,687.0 3,600.0 7,183.6 10,783.6 (18,000.0) 14,039.0 (3,961.0) 298,509.6 256,500.8 296,999.0 170,062.0 259,736.6 922,684.4 1,039,776.4 3,435,459.8 22,737.6 112,023.1 134,760.7 261,744.0 177,647.0 439,391.0 4,009,611.5 1,259,529.6 - - BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU 1,745.4 397,363.0 90,592.2 DÉPENSES D'EXPLOITATION 1,084.6 149,872.0 38,612.8 98,091.2 91,372.0 60,132.0 111,489.8 286,491.2 275,020.6 1,112,166.2 7,100.0 21,347.4 28,447.4 68,384.0 50,532.0 118,916.0 Frais de locaux Salaires et avantages sociaux 240.0 13,988.0 1,840.3 27,865.4 41,579.0 21,919.0 23,442 43,244.0 34,131.5 208,249.5 4,621.1 8,742.6 13,363.7 10,391.0 14,163.0 24,554.0 246,167.2 Amortissement - 42,508.0 6,084.4 24,534.3 21,645.0 19,444.0 16,665.3 79,718.2 72,001.4 282,600.6 2,626.8 4,015.4 6,642.2 14,614.0 10,380.0 24,994.0 314,236.8 Autres dépenses d'exploitation BÉNÉFICE AVANT IMPÔTS SUR LE REVENU Impôts sur le revenu 35 BÉNÉFICE NET (PERTE NETTE) 658.0 88,536.4 24,788.1 124,461.8 127,246.0 131,802.0 184,465 415,348.1 364,198.9 1,461,504.1 9,437.8 25,125.9 34,563.7 79,458.0 74,512.0 153,970.0 1,650,037.8 1,982.6 294,904.4 71,325.6 274,952.7 281,842.0 233,297.0 336,062.2 824,801.5 745,352.4 3,064,520.4 23,785.7 59,231.3 83,017.0 172,847.0 149,587.0 322,434.0 3,469,971.4 (237.2) 102,458.6 19,266.6 (18,451.9) 15,157.0 (63,235.0) (76,325.6) 97,882.9 294,424.0 370,939.4 (1,048.1) 52,791.8 51,743.7 88,897.0 28,060.0 116,957.0 539,640.1 - 850.00 920.20 87,749.00 83,060.40 - 16,561.10 16,561.10 26,461.00 14,759.70 41,220.70 140,842.20 (77,175.600) 96,962.700 206,675.000 287,879.000 36,230.700 35,182.600 62,436.000 13,300.300 75,736.300 398,797.900 - (237.200) - 102,458.600 - 19,266.600 (6,458.80) (11,993.100) - 15,157.000 (63,235.000) (1,048.100) 1