(2020-05) CAMEL Banking Soundness Report, May 2020
Summary — The banking system at May 2020: shareholders' equity 7.50% of assets, non-performing loans 7.62% of gross loans, return on assets 2.28%. 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: 7.50%.
- Non-performing loans as a share of gross loans: 7.62%.
- Provisions as a share of gross non-performing loans: 60.53%.
- Return on assets: 2.28%.
- Return on equity: 30.04%.
- Liquidity as a share of assets: 51.65%.
- Foreign-currency deposits as a share of total deposits: 69.1%.
- Total assets of the banking system: 465.6 billion gourdes.
- Employees: 4,803.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Mai 2020
SYSTÈME
C
A
M
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.14%
26.71%
834.22%
36.92%
26.29%
39.61%
24.01%
90.06%
Avoir des Actionnaires en % de l'Actif
7.50%
9.13%
0.70%
8.10%
9.24%
6.03%
7.44%
7.63%
68.00%
8.04%
Dépôts en % de l'actif
82.04%
77.15%
81.98%
80.97%
81.65%
82.08%
86.45%
66.74%
74.00%
Prêts improductifs en % prêts bruts
7.62%
28.08%
81.12%
3.10%
0.99%
2.64%
0.93%
9.12%
-
Prov. Pr créances dout. En % prêts impr. Bruts
60.53%
22.54%
57.58%
119.53%
273.58%
189.01%
300.31%
44.47%
-
Prêts impr. Nets en % de l'avoir des actionnaires
11.56%
60.04%
1172.81%
-3.51%
-6.27%
-11.14%
-6.40%
38.03%
-
Commissions / salaires
59.52%
19.75%
3.81%
58.90%
140.92%
68.24%
63.70%
12.95%
68.39%
Dépenses d'exploitation en % PNB
Productivité par employé
55.54%
49.65%
141.26%
71.36%
47.74%
55.44%
53.75%
66.62%
106.40%
ROA
2.28%
1.98%
-2.18%
1.10%
5.59%
2.13%
2.52%
0.26%
-0.30%
ROE
30.04%
21.55%
-268.50%
13.35%
60.57%
35.37%
32.88%
3.32%
-3.74%
Rev. nets d'intérêts en % des rev. d'intérêts
78.83%
84.15%
61.37%
73.99%
71.94%
79.33%
80.77%
58.56%
95.22%
Rendement moyen des prêts
9.98%
8.48%
3.97%
12.21%
15.23%
9.69%
8.90%
10.35%
13.60%
Rémunération moyenne des dépôts
1.03%
1.05%
1.97%
1.97%
1.84%
0.89%
0.65%
3.80%
0.08%
Liquidité en % de l'actif
51.65%
56.64%
64.14%
47.86%
53.88%
47.21%
53.17%
14.60%
85.19%
Liquidité en % des dépôts
62.96%
73.42%
78.24%
59.11%
65.98%
57.51%
61.51%
21.88%
115.12%
Nombre de compte de prêts
104,176
27,028
294
1,013
3,643
46,938
24,794
461
5
Nombre de compte de dépôts
1,533
E
L
2,474,319
478,978
15,038
62,334
76,130
651,619
1,179,364
9,323
Nombre de succursales
200
43
6
22
22
43
60
3
1
Nombre d'employés
4,803
847
135
391
760
1,263
1,306
73
28
Actif Total du système (en milliers de gourdes)
465,603,988.3
94,257,175.8
5,913,122.4
33,612,980.7
33,629,141.0
125,839,544.1
157,562,634.1
9,451,353.3
5,338,037.0
Portefeuille brut du système (en milliers de gourdes)
134,314,308.6
23,748,118.9
1,416,615.4
15,756,358.0
11,296,114.0
35,922,313.0
40,277,988.8
5,417,942.5
478,858.0
Portefeuille net du système (en milliers de gourdes)
128,117,880.3
22,245,086.6
754,924.6
15,171,815.8
10,989,197.0
34,127,476.4
39,152,198.8
5,198,323.1
478,858.0
Dépôts Totaux du système ('000gdes)
382,000,430.6
72,717,305.7
4,847,476.1
27,216,466.1
27,459,608.0
103,293,471.4
136,208,203.0
6,307,763.3
3,950,137.0
Portefeuille net devises converties du système ('000gdes)
73,437,292.7
8,937,689.0
771,767.9
7,573,873.4
7,057,828.0
18,070,778.0
28,071,386.4
2,637,778.9
316,191.0
674,091.6
82,040.3
7,084.2
69,521.7
64,784.8
165,874.3
257,671.3
24,212.6
2,902.4
57.3%
40.2%
102.2%
49.9%
64.2%
53.0%
71.7%
50.7%
66.0%
263,787,807.7
35,815,842.3
3,247,259.8
19,983,851.5
21,660,904.0
75,379,941.0
99,492,088.8
5,200,741.2
3,007,179.0
2,421,346.7
328,758.8
29,807.1
183,434.7
198,828.6
691,923.5
913,252.4
47,738.4
27,603.3
69.1%
49.3%
67.0%
73.4%
78.9%
73.0%
73.0%
82.4%
76.1%
284,257,808.4
40,756,228.2
3,295,868.4
20,893,848.6
23,575,827.0
81,821,073.1
104,701,929.0
5,619,295.0
3,593,739.0
2,609,243.8
374,107.4
30,253.3
191,787.7
216,406.0
751,047.6
961,074.3
51,580.3
32,987.5
61.1%
43.2%
55.7%
62.2%
70.1%
65.0%
66.5%
59.5%
67.3%
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
108.9426