(2020-10) CAMEL Banking Soundness Report, October 2020
Summary — The banking system at October 2020: shareholders' equity 9.48% of assets, non-performing loans 5.19% of gross loans, return on assets 1.59%. 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: 9.48%.
- Non-performing loans as a share of gross loans: 5.19%.
- Provisions as a share of gross non-performing loans: 110.48%.
- Return on assets: 1.59%.
- Return on equity: 16.95%.
- Liquidity as a share of assets: 52.54%.
- Foreign-currency deposits as a share of total deposits: 56.4%.
- Total assets of the banking system: 371.0 billion gourdes.
- Employees: 4,848.
Full Document Text
Extracted text from the original document for search indexing.
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Octobre 2020
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
36.86%
28.67%
-109.92%
34.13%
23.72%
55.30%
25.22%
87.76%
64.76%
Avoir des Actionnaires en % de l'Actif
9.48%
10.02%
-7.17%
10.23%
12.82%
8.40%
9.44%
11.55%
12.73%
Dépôts en % de l'actif
78.82%
73.95%
81.46%
77.32%
78.41%
78.45%
84.51%
56.02%
70.87%
Prêts improductifs en % prêts bruts
5.19%
13.85%
80.73%
2.70%
0.70%
2.47%
0.73%
7.18%
-
Prov. Pr créances dout. En % prêts impr. Bruts
110.48%
67.25%
107.63%
130.74%
533.18%
203.06%
362.84%
61.32%
-
Prêts impr. Nets en % de l'avoir des actionnaires
-1.68%
12.48%
20.66%
-3.35%
-6.96%
-9.19%
-5.15%
13.47%
-
Commissions / salaires
59.07%
37.71%
11.24%
49.22%
86.52%
88.14%
54.09%
10.34%
63.99%
Dépenses d'exploitation en % PNB
Productivité par employé
58.05%
54.88%
116.96%
57.08%
70.43%
46.00%
64.79%
98.30%
86.35%
ROA
1.59%
1.10%
-1.78%
2.15%
2.01%
2.06%
1.58%
0.04%
0.63%
ROE
16.95%
11.20%
-24.95%
21.13%
15.58%
24.69%
16.87%
0.37%
5.32%
Rev. nets d'intérêts en % des rev. d'intérêts
81.56%
85.77%
56.86%
74.89%
73.69%
85.84%
80.45%
62.64%
96.86%
Rendement moyen des prêts
11.04%
8.48%
2.56%
11.74%
17.04%
13.81%
9.01%
9.00%
17.84%
Rémunération moyenne des dépôts
1.03%
0.99%
2.40%
1.94%
1.82%
0.88%
0.69%
3.39%
0.07%
Liquidité en % de l'actif
52.54%
58.6%
72.7%
42.8%
55.4%
50.0%
53.0%
14.4%
81.2%
Liquidité en % des dépôts
66.66%
79.22%
89.19%
55.29%
70.65%
63.76%
62.74%
25.78%
114.57%
Nombre de compte de prêts
102,660.0
28,254
289
960
3,834
47,296
21,561
461
5
Nombre de compte de dépôts
2,528,853
483,773
15,384
67,581
79,887
660,853
1,210,260
9,600
1,515
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,848
842
126
416
811
1,237
1,317
73
26
Actif Total du système (en milliers de gourdes)
371,032,982.5
82,323,299.9
4,376,693.9
29,137,532.2
26,998,235.0
96,955,456.1
120,134,377.3
7,600,160.1
3,507,228.0
Portefeuille brut du système (en milliers de gourdes)
108,361,687.0
22,709,638.1
1,052,356.8
12,039,122.9
7,907,305.0
29,395,085.1
30,668,749.8
4,256,619.4
332,810.0
Portefeuille net du système (en milliers de gourdes)
102,142,786.1
20,594,568.1
137,953.6
11,614,003.1
7,610,956.0
27,921,336.7
29,861,922.4
4,069,236.2
332,810.0
Dépôts Totaux du système ('000gdes)
292,462,438.8
60,875,400.6
3,565,412.1
22,529,775.6
21,169,472.0
76,056,976.8
101,522,086.7
4,257,596.0
2,485,719.0
Portefeuille net devises converties du système ('000gdes)
39,998,557.5
4,101,215.5
422,003.0
4,155,835.5
3,809,615.0
9,448,141.3
16,440,980.7
1,450,623.5
170,143.0
634,882.6
65,097.1
6,698.3
65,964.1
60,468.6
149,966.9
260,961.7
23,025.2
2,700.6
39.2%
19.9%
305.9%
35.8%
50.1%
33.8%
55.1%
35.6%
51.1%
165,028,873.9
22,840,064.1
1,667,464.6
13,084,360.4
14,055,010.0
46,096,216.6
62,369,070.3
3,079,329.8
1,837,358.0
2,619,443.6
362,532.1
26,467.1
207,683.3
223,090.1
731,668.6
989,961.7
48,877.1
29,163.7
56.4%
37.5%
46.8%
58.1%
66.4%
60.6%
61.4%
72.3%
73.9%
176,843,412.3
26,210,170.4
1,700,662.5
13,672,060.3
15,049,278.0
49,604,238.3
64,985,411.0
3,452,044.8
2,169,547.0
2,806,971.5
416,024.5
26,994.0
217,011.7
238,871.7
787,350.1
1,031,489.9
54,793.1
34,436.4
Pourcentage Actif Devises par rapport Actif Total
47.7%
31.8%
38.9%
46.9%
55.7%
51.2%
54.1%
45.4%
61.9%
Taux de Référence
63.0015
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)