(2020-02) CAMEL Banking Soundness Report, February 2020
Summary — The banking system at February 2020: shareholders' equity 8.23% of assets, non-performing loans 7.23% of gross loans, return on assets 1.54%. 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: 8.23%.
- Non-performing loans as a share of gross loans: 7.23%.
- Return on assets: 1.54%.
- Return on equity: 18.48%.
- Liquidity as a share of assets: 49.75%.
- Foreign-currency deposits as a share of total deposits: 66.5%.
- Total assets of the banking system: 416.0 billion gourdes.
- Employees: 4,834.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 29 février 2020
SYSTÈME
C
A
M
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.79%
27.73%
-1023.85%
37.90%
23.86%
43.50%
23.42%
88.84%
Avoir des Actionnaires en % de l'Actif
8.23%
9.39%
-0.65%
10.20%
11.04%
6.42%
8.28%
8.16%
66.23%
7.05%
Dépôts en % de l'actif
80.49%
76.25%
85.57%
76.35%
78.25%
80.81%
85.40%
62.51%
74.27%
Prêts improductifs en % prêts bruts
7.23%
27.12%
79.41%
1.74%
0.86%
1.91%
0.87%
6.25%
-
Prov. Pr créances dout. En % prêts impr. Bruts
54.82%
20.73%
60.77%
107.68%
108.44%
285.98%
200.26%
61.61%
-
Prêts impr. Nets en % de l'avoir des actionnaires
11.76%
60.68%
-1238.13%
-0.65%
-0.24%
-16.27%
-2.65%
17.06%
-
Commissions / salaires
62.34%
32.42%
11.47%
87.30%
133.49%
72.11%
53.19%
24.84%
78.37%
Dépenses d'exploitation en % PNB
63.20%
57.08%
107.79%
61.06%
63.87%
69.53%
60.84%
42.28%
127.74%
Productivité par employé
E
L
ROA
1.54%
1.48%
-0.72%
1.42%
2.77%
0.97%
1.90%
2.69%
-0.86%
ROE
18.48%
15.69%
113.24%
13.88%
25.30%
14.30%
22.94%
31.43%
-11.85%
Rev. nets d'intérêts en % des rev. d'intérêts
76.84%
82.93%
66.79%
74.22%
71.43%
76.28%
75.02%
75.50%
96.95%
Rendement moyen des prêts
10.39%
7.46%
2.65%
11.79%
15.91%
10.38%
9.80%
14.06%
11.61%
Rémunération moyenne des dépôts
1.20%
1.12%
1.58%
2.16%
2.20%
1.09%
0.88%
3.28%
0.06%
Liquidité en % de l'actif
49.75%
55.78%
68.03%
43.92%
49.73%
46.36%
49.82%
15.44%
83.89%
Liquidité en % des dépôts
61.80%
73.16%
79.50%
57.53%
63.55%
57.37%
58.34%
24.70%
112.96%
Nombre de compte de prêts
110,536
27,762
297
1,069
4,154
49,348
27,429
469
8
Nombre de compte de dépôts
2,450,250
476,257
14,863
60,500
74,877
643,257
1,169,543
9,416
1,537
Nombre de succursales
201
43
6
22
22
43
60
3
1
Nombre d'employés
4,834
844
127
379
792
1,290
1,307
67
28
Actif Total du système (en milliers de gourdes)
415,997,940.1
86,931,802.5
5,252,518.9
29,769,614.1
29,979,904.0
108,761,957.1
140,685,824.0
8,603,091.5
6,013,228.0
Portefeuille brut du système (en milliers de gourdes)
123,159,509.2
23,041,120.3
1,355,253.2
14,809,785.1
10,707,471.0
32,039,275.2
35,562,392.1
4,991,367.3
652,845.0
Portefeuille net du système (en milliers de gourdes)
118,276,593.4
21,745,818.0
701,280.3
14,531,636.4
10,607,128.0
30,292,857.5
34,945,951.2
4,799,077.0
652,845.0
Dépôts Totaux du système ('000gdes)
334,848,106.4
66,288,663.8
4,494,326.2
22,729,402.2
23,459,288.0
87,891,859.3
120,141,088.9
5,377,599.0
4,465,879.0
Portefeuille net devises converties du système ('000gdes)
64,975,957.0
8,108,813.3
704,744.1
7,332,180.8
6,513,824.0
15,429,179.6
24,150,287.4
2,246,749.8
490,178.0
685,605.8
85,561.6
7,436.2
77,366.9
68,731.8
162,803.8
254,826.2
23,707.0
5,172.2
54.9%
37.3%
100.5%
50.5%
61.4%
50.9%
69.1%
46.8%
75.1%
222,649,188.1
30,173,701.3
2,900,168.7
15,841,393.3
18,138,051.0
63,311,998.8
84,803,313.0
4,323,908.0
3,156,654.0
2,349,323.9
318,383.4
30,601.7
167,153.4
191,387.0
668,048.2
894,817.8
45,624.5
33,308.0
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
66.5%
45.5%
64.5%
69.7%
77.3%
72.0%
70.6%
80.4%
70.7%
239,638,979.7
34,814,528.2
2,913,939.8
16,862,599.0
19,519,728.0
67,274,805.4
89,715,434.2
4,727,801.2
3,810,144.0
2,528,594.9
367,351.9
30,747.0
177,928.8
205,966.0
709,862.5
946,648.9
49,886.3
40,203.4
57.6%
40.0%
55.5%
56.6%
65.1%
61.9%
63.8%
55.0%
63.4%
94.7716