(2020-03) CAMEL Banking Soundness Report, March 2020
Summary — The banking system at March 2020: shareholders' equity 7.92% of assets, non-performing loans 6.67% of gross loans, return on assets 1.70%. 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: 7.92%.
- Non-performing loans as a share of gross loans: 6.67%.
- Provisions as a share of gross non-performing loans: 62.72%.
- Return on assets: 1.70%.
- Return on equity: 21.10%.
- Liquidity as a share of assets: 50.80%.
- Foreign-currency deposits as a share of total deposits: 66.3%.
- Total assets of the banking system: 427.9 billion gourdes.
- Employees: 4,843.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Mars 2020
SYSTÈME
C
A
M
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
33.11%
27.43%
-1014.10%
38.15%
25.82%
44.98%
23.40%
88.72%
Avoir des Actionnaires en % de l'Actif
7.92%
9.42%
-0.68%
8.94%
10.25%
6.00%
8.17%
7.85%
67.73%
7.01%
Dépôts en % de l'actif
81.37%
76.58%
85.20%
78.05%
81.78%
81.37%
86.03%
62.84%
77.81%
Prêts improductifs en % prêts bruts
6.67%
23.41%
79.89%
1.59%
0.90%
1.94%
0.88%
13.42%
-
Prov. Pr créances dout. En % prêts impr. Bruts
62.72%
25.36%
61.00%
223.11%
84.39%
276.04%
203.94%
29.18%
-
Prêts impr. Nets en % de l'avoir des actionnaires
9.26%
48.09%
-1222.18%
-11.13%
0.50%
-16.69%
-2.81%
67.89%
-
Commissions / salaires
69.04%
32.04%
14.85%
59.45%
153.35%
71.82%
78.60%
8.06%
79.51%
Dépenses d'exploitation en % PNB
Productivité par employé
62.95%
51.69%
89.33%
59.05%
62.97%
72.17%
62.78%
71.60%
69.39%
ROA
1.70%
2.03%
-0.05%
1.74%
2.97%
0.88%
2.01%
0.78%
1.30%
ROE
21.10%
21.60%
7.72%
18.14%
27.90%
14.24%
24.39%
9.77%
18.56%
Rev. nets d'intérêts en % des rev. d'intérêts
76.88%
82.99%
64.81%
75.79%
69.62%
75.11%
77.01%
67.42%
97.03%
Rendement moyen des prêts
11.13%
10.17%
4.67%
13.00%
15.88%
10.88%
10.01%
10.99%
12.22%
Rémunération moyenne des dépôts
1.24%
1.20%
1.98%
2.17%
2.28%
1.17%
0.85%
3.35%
0.06%
Liquidité en % de l'actif
50.80%
56.71%
66.57%
44.15%
52.06%
46.40%
51.95%
16.46%
83.80%
Liquidité en % des dépôts
62.42%
74.05%
78.14%
56.58%
63.65%
57.02%
60.38%
26.20%
107.70%
Nombre de compte de prêts
107,312
27,215
296
1,039
3,863
48,376
26,048
468
7
Nombre de compte de dépôts
1,514
E
L
2,462,043
478,457
14,958
60,826
75,380
647,013
1,174,617
9,278
Nombre de succursales
200
43
6
22
22
43
60
3
1
Nombre d'employés
4,843
843
133
388
792
1,278
1,307
74
28
Actif Total du système (en milliers de gourdes)
427,889,184.5
88,238,604.7
5,048,156.9
29,775,081.2
29,833,705.0
114,192,738.0
145,635,805.8
9,022,573.9
6,142,519.0
Portefeuille brut du système (en milliers de gourdes)
126,166,615.1
22,873,844.1
1,346,651.0
15,149,013.8
10,947,901.0
33,505,490.4
36,618,062.7
5,057,445.1
668,207.0
Portefeuille net du système (en milliers de gourdes)
120,884,876.7
21,515,500.9
690,378.5
14,611,906.3
10,865,072.0
31,712,103.1
35,962,296.3
4,859,412.6
668,207.0
Dépôts Totaux du système ('000gdes)
348,181,746.7
67,577,414.8
4,300,800.9
23,238,451.0
24,398,744.0
92,922,887.9
125,294,199.2
5,670,053.9
4,779,195.0
Portefeuille net devises converties du système ('000gdes)
67,616,134.2
8,184,452.1
702,043.6
7,264,285.6
6,691,736.0
16,833,006.4
25,121,699.8
2,313,370.7
505,540.0
690,152.1
83,538.0
7,165.7
74,145.9
68,302.0
171,813.1
256,415.0
23,612.4
5,160.0
55.9%
38.0%
101.7%
49.7%
61.6%
53.1%
69.9%
47.6%
75.7%
230,957,934.6
31,459,263.7
2,784,011.7
16,050,518.3
18,776,752.0
65,718,295.6
87,843,373.2
4,604,018.2
3,721,702.0
2,357,367.9
321,102.0
28,416.2
163,826.3
191,652.7
670,781.0
896,609.8
46,992.8
37,987.1
66.3%
46.6%
64.7%
69.1%
77.0%
70.7%
70.1%
81.2%
77.9%
248,999,743.2
36,091,503.9
2,804,672.7
16,725,250.9
20,050,260.0
71,239,040.8
92,589,350.7
5,190,031.2
4,309,633.0
2,541,519.1
368,382.9
28,627.1
170,713.2
204,651.3
727,130.8
945,051.6
52,974.2
43,988.1
58.2%
40.9%
55.6%
56.2%
67.2%
62.4%
63.6%
57.5%
70.2%
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
97.9728