(2019-10) CAMEL Banking Soundness Report, October 2019
Summary — The banking system at October 2019: shareholders' equity 8.41% of assets, non-performing loans 7.29% of gross loans, return on assets 1.45%. The sheet reports the same ratios for each licensed bank by name, under the CAMEL headings: capital adequacy, asset quality, management, earnings and liquidity.
Key Findings
- Shareholders' equity as a share of assets: 8.41%.
- Non-performing loans as a share of gross loans: 7.29%.
- Provisions as a share of gross non-performing loans: 43.37%.
- Return on assets: 1.45%.
- Return on equity: 17.30%.
- Liquidity as a share of assets: 47.60%.
- Foreign-currency deposits as a share of total deposits: 67.7%.
- Total assets of the banking system: 397.1 billion gourdes.
- Employees: 4,785.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Octobre 2019
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.42%
28.82%
-916.15%
37.01%
27.03%
38.17%
23.44%
82.94%
66.60%
Avoir des Actionnaires en % de l'Actif
8.41%
9.16%
-0.79%
10.18%
10.03%
7.42%
8.36%
8.57%
7.02%
Dépôts en % de l'actif
80.53%
76.28%
85.59%
74.59%
78.29%
82.58%
84.66%
63.28%
70.12%
Prêts improductifs en % prêts bruts
7.29%
25.85%
79.85%
2.57%
0.92%
2.98%
0.81%
12.51%
-
Prov. Pr créances dout. En % prêts impr. Bruts
43.37%
18.31%
60.13%
56.19%
78.19%
130.52%
172.38%
28.60%
-
Prêts impr. Nets en % de l'avoir des actionnaires
15.39%
60.97%
-1111.09%
5.69%
0.76%
-3.91%
-1.93%
60.71%
-
Commissions / salaires
56.03%
33.77%
39.91%
40.51%
120.63%
62.28%
54.07%
11.15%
103.39%
Dépenses d'exploitation en % PNB
63.04%
47.64%
68.42%
54.10%
54.60%
69.56%
71.71%
91.00%
262.36%
ROA
1.45%
2.99%
1.23%
2.07%
3.65%
0.49%
0.90%
-0.08%
-1.92%
ROE
17.30%
32.92%
-145.82%
20.63%
37.39%
6.79%
10.51%
-0.94%
-27.35%
Rev. nets d'intérêts en % des rev. d'intérêts
74.17%
83.33%
69.13%
75.40%
66.70%
72.75%
70.76%
47.62%
97.46%
Rendement moyen des prêts
12.02%
8.79%
2.61%
14.46%
15.98%
13.36%
11.50%
7.50%
11.98%
Rémunération moyenne des dépôts
1.54%
1.28%
1.88%
2.47%
2.66%
1.52%
1.24%
3.83%
0.06%
Liquidité en % de l'actif
47.60%
53.50%
65.28%
43.53%
49.97%
44.85%
46.16%
13.98%
84.79%
Liquidité en % des dépôts
59.11%
70.13%
76.27%
58.36%
63.83%
54.31%
54.52%
22.09%
120.92%
Nombre de compte de prêts
119,371
27,764
305
1,106
4,514
50,252
34,946
478
6
Nombre de compte de dépôts
1,827,195
462,008
14,260
65,658
72,744
50,620
1,151,206
9,219
1,480
Nombre de succursales
199
43
6
22
22
43
59
3
1
Nombre d'employés
4,785
769
130
380
799
1,338
1,266
74
29
Actif Total du système (en milliers de gourdes)
397,052,020.3
82,561,977.5
4,877,130.7
28,411,757.4
29,407,363.0
102,804,167.8
134,625,615.8
8,258,687.1
6,105,321.0
Portefeuille brut du système (en milliers de gourdes)
124,536,470.4
21,828,810.0
1,344,033.3
14,599,801.4
11,264,072.0
32,807,922.9
37,274,290.7
4,814,494.1
603,046.0
Portefeuille net du système (en milliers de gourdes)
120,600,340.4
20,795,834.0
698,667.5
14,388,822.9
11,183,211.0
31,532,316.2
36,756,179.7
4,642,263.1
603,046.0
Dépôts Totaux du système ('000gdes)
319,756,203.3
62,979,987.5
4,174,453.8
21,190,998.2
23,023,175.0
84,900,593.1
113,979,566.7
5,226,185.0
4,281,244.0
Portefeuille net devises converties du système ('000gdes)
65,305,767.3
7,438,949.0
695,236.0
6,676,128.0
6,958,155.0
16,172,475.6
24,939,101.1
1,985,342.7
440,380.0
711,811.3
81,082.1
7,577.8
72,767.6
75,841.6
176,274.6
271,828.0
21,639.6
4,800.0
54.2%
35.8%
99.5%
46.4%
62.2%
51.3%
67.9%
42.8%
73.0%
216,429,914.8
29,694,641.0
2,737,907.4
14,739,056.9
17,845,739.0
61,697,421.1
81,903,699.0
4,268,893.4
3,542,557.0
2,359,014.6
323,661.8
29,842.3
160,650.9
194,512.7
672,481.5
892,723.3
46,529.5
38,612.7
67.7%
47.1%
65.6%
69.6%
77.5%
72.7%
71.9%
81.7%
82.7%
233,982,985.0
34,355,495.0
2,779,078.8
16,023,168.2
19,527,176.0
65,502,466.4
86,961,912.5
4,416,065.0
4,417,623.0
2,550,337.2
374,463.5
30,291.0
174,647.2
212,839.8
713,955.2
947,856.1
48,133.6
48,150.6
58.9%
41.6%
57.0%
56.4%
66.4%
63.7%
64.6%
53.5%
72.4%
Portefeuille net en dollars ('000 USD)
Pourcentage Port. net Devises/ Port. Net Total
Dépôts Devises Converties du système ('000gdes)
Dépôts en dollars ('000 USD)
Pourcentage Dépôts Devises par rapport Dépôts Totaux
Actif en Devises Converties du système (' 000gdes)
Actifs en dollars ('000 USD)
Pourcentage Actif Devises par rapport Actif Total
Taux de Référence
91.7459