(2020-09) CAMEL Banking Soundness Report, September 2020
Summary — The banking system at September 2020: shareholders' equity 9.28% of assets, non-performing loans 5.05% of gross loans, return on assets -4.85%. 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: 9.28%.
- Non-performing loans as a share of gross loans: 5.05%.
- Provisions as a share of gross non-performing loans: 105.37%.
- Return on assets: -4.85%.
- Return on equity: -60.68%.
- Liquidity as a share of assets: 51.67%.
- Foreign-currency deposits as a share of total deposits: 58.5%.
- Total assets of the banking system: 374.9 billion gourdes.
- Employees: 4,858.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 30 Septembre 2020
SYSTÈME
Immobilisations/avoir des actionnaires
C
M
BPH
28.65%
BUH
CAPITALBK
-112.52%
34.88%
24.21%
SOGEBK
UNIBNK
55.72%
SOGEBL
CBNA
25.68%
87.50%
66.06%
Avoir des Actionnaires en % de l'Actif
9.28%
9.59%
-7.14%
10.14%
13.04%
8.29%
9.24%
11.34%
11.16%
Dépôts en % de l'actif
78.32%
72.06%
81.52%
75.83%
78.39%
77.95%
84.99%
56.54%
74.89%
Prêts improductifs en % prêts bruts
A
BNC
37.28%
5.05%
13.06%
81.86%
1.11%
0.76%
2.43%
0.74%
10.80%
-
Prov. Pr créances dout. En % prêts impr. Bruts
105.37%
63.61%
103.14%
302.56%
467.09%
185.98%
343.85%
40.99%
-
Prêts impr. Nets en % de l'avoir des actionnaires
-0.88%
14.31%
9.05%
-9.82%
-6.76%
-7.79%
-5.16%
31.41%
-
84.31%
18.21%
4.53%
82.77%
95.78%
91.27%
123.23%
17.21%
248.44%
-1515.37%
36.42%
-1227.41%
42.33%
71.02%
-161.60%
-41.33%
20.46%
64.79%
Commissions / salaires
Dépenses d'exploitation en % PNB
Productivité par employé
ROA
-4.85%
-1.52%
-9.06%
3.58%
1.20%
-6.01%
-10.06%
6.56%
2.18%
ROE
-60.68%
-17.56%
-148.97%
42.26%
11.11%
-85.01%
-126.57%
72.31%
23.95%
Rev. nets d'intérêts en % des rev. d'intérêts
79.83%
90.63%
58.74%
73.32%
75.33%
64.66%
79.33%
74.03%
93.08%
Rendement moyen des prêts
9.81%
13.46%
3.74%
12.08%
15.32%
4.50%
8.81%
16.47%
6.43%
Rémunération moyenne des dépôts
0.91%
0.77%
1.88%
1.83%
1.53%
0.80%
0.61%
3.87%
0.05%
Liquidité en % de l'actif
51.67%
57.1%
69.3%
45.1%
55.7%
48.6%
51.6%
15.8%
82.8%
Liquidité en % des dépôts
65.98%
79.25%
84.98%
59.45%
71.10%
62.38%
60.76%
27.89%
110.57%
Nombre de compte de prêts
102,563.0
27,862
290
967
3,721
47,461
21,794
463
5
Nombre de compte de dépôts
2,510,902
473,418
15,222
66,071
78,729
661,181
1,205,430
9,335
1,516
194
40
4
23
24
45
53
4
1
4,858
841
128
400
772
1,297
1,323
71
26
Actif Total du système (en milliers de gourdes)
374,891,206.5
85,250,364.9
4,294,146.7
28,863,231.2
26,199,402.0
97,643,729.9
120,956,205.5
7,737,938.4
3,946,188.0
Portefeuille brut du système (en milliers de gourdes)
113,666,704.3
24,617,832.4
1,079,006.2
12,745,795.2
8,254,331.0
30,146,159.5
32,150,119.6
4,325,559.5
347,901.0
Portefeuille net du système (en milliers de gourdes)
107,619,815.1
22,573,390.4
167,934.1
12,316,507.9
7,960,739.0
28,782,480.2
31,336,763.1
4,134,099.5
347,901.0
Dépôts Totaux du système ('000gdes)
293,600,709.1
61,431,351.5
3,500,425.7
21,888,235.4
20,536,873.0
76,115,867.5
102,797,482.3
4,375,153.6
2,955,320.0
Portefeuille net devises converties du système ('000gdes)
43,077,494.5
4,497,278.9
449,754.2
4,847,082.3
4,018,149.0
9,905,358.0
17,650,737.0
1,523,901.1
185,234.0
653,488.3
68,224.0
6,822.8
73,530.5
60,955.6
150,264.9
267,762.8
23,117.7
2,810.0
40.0%
19.9%
267.8%
39.4%
50.5%
34.4%
56.3%
36.9%
53.2%
171,802,053.2
23,541,423.5
1,804,778.9
13,351,901.4
13,861,977.0
48,146,411.1
65,796,995.0
3,187,927.5
2,110,639.0
2,606,248.1
357,124.9
27,378.6
202,549.2
210,287.1
730,384.1
998,144.6
48,361.1
32,018.5
58.5%
38.3%
51.6%
61.0%
67.5%
63.3%
64.0%
72.9%
71.4%
184,010,183.9
27,231,109.5
1,855,796.8
13,943,633.4
14,840,700.0
51,607,441.7
68,494,755.5
3,594,573.0
2,442,174.0
2,791,446.3
413,097.7
28,152.6
211,525.8
225,134.4
782,888.2
1,039,069.8
54,529.9
37,047.9
49.1%
31.9%
43.2%
48.3%
56.6%
52.9%
56.6%
46.5%
61.9%
E
L
Nombre de succursales et Points de service Actifs
Nombre d'employés
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
65.9193