(2020-04) CAMEL Banking Soundness Report, April 2020
Summary — The banking system at April 2020: shareholders' equity 7.70% of assets, non-performing loans 7.41% of gross loans, return on assets 1.85%. 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: 7.70%.
- Non-performing loans as a share of gross loans: 7.41%.
- Provisions as a share of gross non-performing loans: 61.94%.
- Return on assets: 1.85%.
- Return on equity: 23.72%.
- Liquidity as a share of assets: 51.36%.
- Foreign-currency deposits as a share of total deposits: 67.3%.
- Total assets of the banking system: 446.7 billion gourdes.
- Employees: 4,804.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 30 Avril 2020
SYSTÈME
C
A
M
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.61%
27.20%
666.93%
37.64%
27.89%
41.93%
23.51%
87.67%
Avoir des Actionnaires en % de l'Actif
7.70%
9.22%
0.93%
8.42%
9.23%
6.02%
7.87%
7.78%
67.61%
8.25%
Dépôts en % de l'actif
82.08%
77.25%
80.91%
78.42%
81.76%
82.75%
86.65%
64.56%
75.32%
Prêts improductifs en % prêts bruts
7.41%
26.28%
80.40%
1.88%
0.99%
2.69%
1.24%
8.33%
-
Prov. Pr créances dout. En % prêts impr. Bruts
61.94%
22.74%
59.40%
191.66%
274.02%
185.53%
232.96%
46.82%
-
Prêts impr. Nets en % de l'avoir des actionnaires
10.65%
57.42%
865.36%
-9.89%
-6.45%
-11.00%
-5.25%
32.47%
-
Commissions / salaires
63.25%
34.18%
9.97%
57.18%
120.54%
55.45%
86.60%
32.35%
83.99%
Dépenses d'exploitation en % PNB
Productivité par employé
56.65%
50.25%
111.80%
68.36%
66.40%
57.63%
52.23%
52.45%
60.13%
ROA
1.85%
1.82%
-0.82%
1.22%
2.48%
1.51%
2.23%
1.46%
2.61%
ROE
23.72%
19.56%
-493.87%
14.02%
25.54%
25.15%
27.83%
18.73%
34.50%
Rev. nets d'intérêts en % des rev. d'intérêts
78.00%
83.46%
55.98%
75.85%
74.33%
75.46%
78.59%
73.20%
96.72%
Rendement moyen des prêts
9.61%
6.81%
2.11%
12.42%
15.99%
9.14%
8.90%
9.95%
14.23%
Rémunération moyenne des dépôts
1.07%
1.05%
2.06%
2.02%
1.84%
1.02%
0.72%
2.42%
0.06%
Liquidité en % de l'actif
51.36%
56.54%
63.42%
45.85%
53.79%
47.04%
52.89%
15.18%
84.64%
Liquidité en % des dépôts
62.57%
73.19%
78.38%
58.47%
65.79%
56.85%
61.04%
23.51%
112.38%
Nombre de compte de prêts
105,239
27,256
296
1,031
3,746
47,359
25,081
465
5
Nombre de compte de dépôts
1,514
E
L
2,465,443
477,799
14,988
61,630
75,560
649,345
1,175,239
9,368
Nombre de succursales
200
43
6
22
22
43
60
3
1
Nombre d'employés
4,804
842
133
386
770
1,267
1,305
73
28
Actif Total du système (en milliers de gourdes)
446,659,105.2
91,677,631.6
5,606,334.0
31,992,837.4
32,000,994.0
119,457,898.4
151,463,012.3
9,242,706.6
5,217,691.0
Portefeuille brut du système (en milliers de gourdes)
129,805,824.7
23,895,222.2
1,379,416.0
15,481,424.2
11,093,699.0
34,291,385.8
37,908,231.2
5,268,821.4
487,625.0
Portefeuille net du système (en milliers de gourdes)
123,845,983.1
22,467,072.2
720,582.2
14,924,470.7
10,793,853.0
32,577,243.4
36,811,884.1
5,063,252.4
487,625.0
Dépôts Totaux du système ('000gdes)
366,599,226.7
70,819,550.7
4,536,287.1
25,089,652.0
26,165,549.0
98,848,421.8
131,243,138.2
5,966,770.9
3,929,857.0
Portefeuille net devises converties du système ('000gdes)
71,058,648.9
8,822,139.8
734,474.2
7,822,090.3
6,919,972.0
17,330,439.6
26,602,132.2
2,502,442.8
324,958.0
690,998.1
85,789.4
7,142.3
76,064.6
67,292.1
168,527.0
258,688.0
24,334.6
3,160.0
57.4%
39.3%
101.9%
52.4%
64.1%
53.2%
72.3%
49.4%
66.6%
246,847,973.5
33,490,829.8
3,003,535.4
18,052,535.6
20,131,995.0
70,575,247.0
93,704,591.3
4,875,030.4
3,014,209.0
2,400,432.3
325,676.0
29,207.4
175,548.9
195,770.3
686,297.3
911,214.8
47,406.4
29,311.2
67.3%
47.3%
66.2%
72.0%
76.9%
71.4%
71.4%
81.7%
76.7%
264,496,809.7
38,122,934.8
3,033,062.3
19,304,691.8
21,839,440.0
75,083,581.4
98,187,433.9
5,357,279.5
3,568,386.0
2,572,055.5
370,720.2
29,494.5
187,725.3
212,374.0
730,137.9
954,807.5
52,096.0
34,700.2
59.2%
41.6%
54.1%
60.3%
68.2%
62.9%
64.8%
58.0%
68.4%
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
102.8348