(2020-06) CAMEL Banking Soundness Report, June 2020
Summary — The banking system at June 2020: shareholders' equity 7.17% of assets, non-performing loans 7.99% of gross loans, return on assets 2.13%. 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: 7.17%.
- Non-performing loans as a share of gross loans: 7.99%.
- Provisions as a share of gross non-performing loans: 62.91%.
- Return on assets: 2.13%.
- Return on equity: 29.07%.
- Liquidity as a share of assets: 52.42%.
- Foreign-currency deposits as a share of total deposits: 70.6%.
- Total assets of the banking system: 483.0 billion gourdes.
- Employees: 4,770.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 30 Juin 2020
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.41%
28.17%
-104.59%
36.86%
25.94%
38.05%
23.70%
89.45%
66.39%
Avoir des Actionnaires en % de l'Actif
7.17%
8.57%
-5.89%
7.66%
8.99%
6.00%
7.14%
7.52%
8.43%
Dépôts en % de l'actif
82.04%
77.04%
86.30%
80.38%
82.52%
82.97%
85.42%
67.69%
74.06%
Prêts improductifs en % prêts bruts
7.99%
28.11%
82.80%
2.48%
1.36%
3.32%
1.00%
9.65%
-
Prov. Pr créances dout. En % prêts impr. Bruts
62.91%
24.86%
76.93%
148.71%
201.63%
154.50%
295.79%
43.58%
-
Prêts impr. Nets en % de l'avoir des actionnaires
11.67%
63.96%
-82.96%
-7.06%
-4.77%
-8.46%
-6.69%
41.28%
-
Commissions / salaires
66.91%
31.82%
10.24%
47.43%
135.56%
91.57%
64.08%
10.90%
69.98%
Dépenses d'exploitation en % PNB
Productivité par employé
53.34%
60.46%
225.11%
72.20%
56.70%
52.70%
43.63%
54.90%
48.74%
ROA
2.13%
1.20%
-2.53%
1.12%
3.16%
2.12%
2.86%
0.92%
3.94%
ROE
29.07%
13.57%
100.71%
14.24%
34.65%
35.26%
39.29%
12.14%
47.81%
Rev. nets d'intérêts en % des rev. d'intérêts
77.23%
82.84%
33.68%
73.12%
70.26%
79.00%
77.13%
71.18%
94.93%
Rendement moyen des prêts
9.23%
7.57%
2.05%
12.17%
13.85%
8.13%
8.77%
10.79%
13.28%
Rémunération moyenne des dépôts
0.98%
0.97%
2.38%
1.88%
1.69%
0.75%
0.73%
2.70%
0.08%
Liquidité en % de l'actif
52.42%
54.99%
66.06%
48.84%
57.19%
47.96%
54.86%
15.33%
84.71%
Liquidité en % des dépôts
63.89%
71.37%
76.55%
60.76%
69.30%
57.81%
64.22%
22.65%
114.38%
Nombre de compte de prêts
103,342
27,014
293
1,008
3,499
46,688
24,379
456
5
Nombre de compte de dépôts
2,486,303
479,517
15,087
63,550
76,848
655,563
1,184,871
9,334
1,533
200
43
6
22
22
43
60
3
1
Nombre de succursales
Nombre d'employés
4,770
845
123
394
749
1,254
1,304
73
28
Actif Total du système (en milliers de gourdes)
482,975,060.1
95,894,202.5
5,616,078.5
36,010,325.7
35,559,730.0
129,769,230.3
165,138,154.9
9,693,253.1
5,294,085.0
Portefeuille brut du système (en milliers de gourdes)
136,252,168.5
24,894,187.0
1,437,386.1
16,125,823.5
11,057,646.0
36,394,769.8
40,325,295.3
5,525,517.0
491,544.0
Portefeuille net du système (en milliers de gourdes)
129,404,627.4
23,153,999.0
521,825.8
15,530,872.2
10,755,330.0
34,525,290.9
39,132,509.7
5,293,255.8
491,544.0
Dépôts Totaux du système ('000gdes)
396,220,482.2
73,878,910.0
4,846,484.3
28,945,682.0
29,345,435.0
107,665,269.2
141,056,363.0
6,561,548.7
3,920,790.0
Portefeuille net devises converties du système ('000gdes)
73,750,446.4
9,265,728.0
792,402.0
7,368,590.0
7,018,150.0
18,502,124.5
27,738,954.3
2,735,620.6
328,877.0
650,854.3
81,770.9
6,993.0
65,028.5
61,935.8
163,282.9
244,798.8
24,142.1
2,902.4
57.0%
40.0%
151.9%
47.4%
65.3%
53.6%
70.9%
51.7%
66.9%
279,712,788.8
37,537,874.0
3,246,875.8
21,958,692.6
23,384,524.0
79,430,483.9
105,812,286.8
5,455,626.8
2,886,425.0
2,468,490.4
331,275.1
28,654.0
193,787.4
206,370.5
700,981.1
933,802.9
48,146.4
25,473.0
70.6%
50.8%
67.0%
75.9%
79.7%
73.8%
75.0%
83.1%
73.6%
300,224,313.7
43,052,783.0
3,285,946.9
23,023,723.4
25,085,812.0
85,099,410.1
111,417,303.5
5,834,948.8
3,424,386.0
2,649,506.4
379,944.7
28,998.8
203,186.4
221,384.5
751,009.9
983,267.7
51,493.9
30,220.5
62.2%
44.9%
58.5%
63.9%
70.5%
65.6%
67.5%
60.2%
64.7%
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
113.3133