(2020-01) CAMEL Banking Soundness Report, January 2020
Summary — The banking system at January 2020: shareholders' equity 8.49% of assets, non-performing loans 6.74% of gross loans, return on assets 1.84%. 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: 8.49%.
- Non-performing loans as a share of gross loans: 6.74%.
- Provisions as a share of gross non-performing loans: 58.04%.
- Return on assets: 1.84%.
- Return on equity: 21.58%.
- Liquidity as a share of assets: 49.42%.
- Foreign-currency deposits as a share of total deposits: 66.2%.
- Total assets of the banking system: 407.0 billion gourdes.
- Employees: 4,828.
Full Document Text
Extracted text from the original document for search indexing.
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Janvier 2020
SYSTÈME
C
A
M
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.20%
28.00%
-1128.85%
36.77%
24.76%
39.61%
23.71%
77.08%
Avoir des Actionnaires en % de l'Actif
8.49%
9.52%
-0.62%
10.26%
10.82%
7.20%
8.32%
8.98%
64.41%
7.43%
Dépôts en % de l'actif
80.69%
76.51%
85.21%
75.77%
79.85%
80.83%
85.64%
62.24%
74.04%
Prêts improductifs en % prêts bruts
6.74%
24.61%
81.70%
1.40%
0.63%
2.01%
0.88%
6.99%
-
Prov. Pr créances dout. En % prêts impr. Bruts
58.04%
22.29%
59.61%
122.74%
141.09%
273.91%
190.72%
54.56%
-
Prêts impr. Nets en % de l'avoir des actionnaires
9.97%
53.52%
-1423.23%
-1.57%
-0.86%
-14.47%
-2.43%
20.63%
-
Commissions / salaires
63.84%
53.08%
8.85%
46.11%
112.30%
73.90%
56.39%
49.22%
77.26%
Dépenses d'exploitation en % PNB
Productivité par employé
60.70%
43.02%
82.36%
65.34%
60.78%
70.64%
62.85%
57.83%
96.96%
ROA
1.84%
3.03%
0.28%
1.28%
3.37%
0.82%
1.83%
1.70%
0.12%
ROE
21.58%
31.97%
-44.87%
12.50%
31.67%
11.12%
21.84%
18.65%
1.57%
Rev. nets d'intérêts en % des rev. d'intérêts
77.07%
85.94%
70.71%
74.35%
71.48%
74.36%
73.51%
72.59%
97.39%
Rendement moyen des prêts
11.42%
9.90%
2.82%
13.06%
17.10%
11.22%
10.36%
11.92%
12.81%
Rémunération moyenne des dépôts
1.30%
1.12%
1.82%
2.30%
2.41%
1.23%
0.97%
3.17%
0.06%
Liquidité en % de l'actif
49.42%
55.45%
66.92%
43.02%
50.75%
45.85%
49.57%
15.60%
83.39%
Liquidité en % des dépôts
61.25%
72.47%
78.53%
56.77%
63.56%
56.72%
57.88%
25.07%
112.63%
Nombre de compte de prêts
112,114
27,717
298
1,052
4,211
50,389
27,969
471
7
Nombre de compte de dépôts
1,537
E
L
2,435,701
472,954
14,786
59,741
74,322
639,693
1,163,382
9,286
Nombre de succursales
200
43
6
22
22
43
60
3
1
Nombre d'employés
4,828
848
127
384
780
1,302
1,285
73
29
Actif Total du système (en milliers de gourdes)
406,951,845.3
84,678,099.7
5,001,357.8
29,270,397.8
29,619,763.0
106,856,517.8
137,243,279.3
8,443,110.0
5,839,320.0
Portefeuille brut du système (en milliers de gourdes)
121,752,613.2
22,551,267.1
1,338,429.6
14,824,863.4
10,757,483.0
31,808,326.7
34,908,520.5
4,922,238.9
641,484.0
Portefeuille net du système (en milliers de gourdes)
116,988,377.5
21,314,021.1
686,595.3
14,570,800.1
10,662,362.0
30,054,251.9
34,324,467.0
4,734,396.1
641,484.0
Dépôts Totaux du système ('000gdes)
328,370,442.1
64,785,376.7
4,261,768.3
22,178,442.8
23,651,675.0
86,376,148.0
117,538,991.2
5,254,870.1
4,323,170.0
Portefeuille net devises converties du système ('000gdes)
64,689,283.6
7,995,403.0
688,049.7
7,409,217.3
6,623,574.0
15,780,116.8
23,564,149.0
2,149,956.7
478,817.0
697,127.9
86,162.9
7,414.8
79,845.9
71,379.3
170,055.4
253,940.4
23,169.1
5,160.0
55.3%
37.5%
100.2%
50.8%
62.1%
52.5%
68.7%
45.4%
74.6%
217,269,791.0
29,145,456.1
2,697,821.2
15,362,904.8
18,285,822.0
61,825,882.5
83,019,668.7
4,164,754.6
2,767,481.0
2,341,420.7
314,087.7
29,073.2
165,559.2
197,058.2
666,270.3
894,666.3
44,881.7
29,823.9
66.2%
45.0%
63.3%
69.3%
77.3%
71.6%
70.6%
79.3%
64.0%
233,136,566.2
33,542,891.1
2,742,287.8
16,063,728.5
19,404,485.0
65,735,046.2
87,689,377.8
4,540,237.9
3,418,512.0
2,512,409.9
361,476.9
29,552.4
173,111.7
209,113.6
708,397.6
944,989.7
48,928.1
36,839.8
57.3%
39.6%
54.8%
54.9%
65.5%
61.5%
63.9%
53.8%
58.5%
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
92.7940