(2020-11) CAMEL Banking Soundness Report, November 2020
Summary — The banking system at November 2020: shareholders' equity 9.33% of assets, non-performing loans 5.59% of gross loans, return on assets 1.87%. 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: 9.33%.
- Non-performing loans as a share of gross loans: 5.59%.
- Provisions as a share of gross non-performing loans: 103.45%.
- Return on assets: 1.87%.
- Return on equity: 19.87%.
- Liquidity as a share of assets: 53.07%.
- Foreign-currency deposits as a share of total deposits: 56.9%.
- Total assets of the banking system: 385.5 billion gourdes.
- Employees: 4,781.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 30 Novembre 2020
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
36.06%
28.29%
-107.67%
33.52%
23.25%
52.80%
24.98%
86.61%
63.73%
Avoir des Actionnaires en % de l'Actif
9.33%
9.91%
-7.10%
10.13%
12.73%
8.32%
9.21%
11.17%
11.94%
Dépôts en % de l'actif
79.40%
74.00%
80.72%
77.98%
78.91%
79.52%
84.89%
57.89%
72.56%
Prêts improductifs en % prêts bruts
5.59%
13.90%
81.03%
5.42%
0.97%
3.26%
0.72%
5.69%
-
Prov. Pr créances dout. En % prêts impr. Bruts
103.45%
72.16%
105.71%
64.08%
380.96%
145.52%
379.12%
79.34%
-
Prêts impr. Nets en % de l'avoir des actionnaires
-0.60%
10.38%
15.52%
8.07%
-6.52%
-5.61%
-5.38%
5.69%
-
Commissions / salaires
56.22%
35.39%
8.85%
41.84%
84.16%
88.45%
47.81%
10.86%
46.04%
Dépenses d'exploitation en % PNB
Productivité par employé
58.83%
51.52%
115.95%
65.88%
63.23%
55.50%
60.94%
63.40%
75.25%
ROA
1.87%
1.46%
-1.66%
1.55%
2.84%
2.13%
1.96%
1.47%
1.40%
ROE
19.87%
14.69%
-23.25%
15.28%
22.25%
25.49%
20.99%
12.99%
11.34%
Rev. nets d'intérêts en % des rev. d'intérêts
80.90%
86.86%
61.60%
75.97%
76.57%
78.60%
81.80%
71.53%
96.64%
Rendement moyen des prêts
9.64%
9.51%
4.67%
10.82%
17.22%
7.77%
8.92%
11.77%
18.01%
Rémunération moyenne des dépôts
0.96%
0.94%
2.30%
1.69%
1.65%
0.83%
0.63%
3.29%
0.08%
Liquidité en % de l'actif
53.07%
59.5%
73.7%
43.8%
54.4%
49.1%
54.7%
16.0%
82.1%
Liquidité en % des dépôts
66.85%
80.40%
91.30%
56.16%
68.91%
61.73%
64.38%
27.61%
113.18%
Nombre de compte de prêts
102,783.0
28,494
287
956
3,982
47,296.0
21,303
460
5
Nombre de compte de dépôts
2,543,365
490,583
15,472
69,802
81,092
664,044.0
1,211,430
9,425
1,517
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,781
839
128
419
756
1,231.0
1,311
71
26
Actif Total du système (en milliers de gourdes)
385,513,826.9
84,263,117.5
4,501,075.9
29,759,999.3
27,691,791.0
102,247,521.9
125,330,526.9
7,944,416.5
3,775,378.0
Portefeuille brut du système (en milliers de gourdes)
111,921,923.1
22,425,125.1
1,073,384.5
12,488,662.1
8,459,705.0
32,150,666.0
30,687,409.6
4,295,103.7
341,867.0
Portefeuille net du système (en milliers de gourdes)
105,446,869.2
20,176,295.1
153,939.4
12,054,864.1
8,148,047.0
30,626,139.0
29,844,349.4
4,101,368.1
341,867.0
Dépôts Totaux du système ('000gdes)
306,088,424.7
62,358,249.9
3,633,362.0
23,207,169.9
21,851,512.0
81,308,247.0
106,391,680.9
4,598,713.0
2,739,490.0
Portefeuille net devises converties du système ('000gdes)
43,685,209.8
4,012,191.1
439,008.1
4,474,775.5
3,988,717.0
12,054,818.2
17,058,692.6
1,477,807.4
179,200.0
658,354.0
60,465.4
6,616.0
67,436.7
60,111.6
181,671.0
257,081.5
22,271.2
2,700.6
41.4%
19.9%
285.2%
37.1%
49.0%
39.4%
57.2%
36.0%
52.4%
174,227,541.7
23,451,379.0
1,735,714.3
14,409,238.9
14,596,033.0
48,978,291.5
65,698,547.6
3,313,744.4
2,044,593.0
2,625,680.3
353,421.9
26,157.9
217,153.1
219,968.2
738,122.9
990,104.0
49,939.5
30,812.9
56.9%
37.6%
47.8%
62.1%
66.8%
60.2%
61.8%
72.1%
74.6%
186,125,719.3
27,098,790.9
1,825,330.7
14,944,449.2
15,496,287.0
52,248,002.1
68,460,089.1
3,639,901.4
2,412,869.0
2,804,990.7
408,389.9
27,508.5
225,219.0
233,535.4
787,398.8
1,031,721.5
54,854.8
36,362.9
Pourcentage Actif Devises par rapport Actif Total
48.3%
32.2%
40.6%
50.2%
56.0%
51.1%
54.6%
45.8%
63.9%
Taux de Référence
66.3552
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)