(2020-12) CAMEL Banking Soundness Report, December 2020
Summary — The banking system at December 2020: shareholders' equity 9.13% of assets, non-performing loans 5.37% of gross loans, return on assets 2.22%. 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: 9.13%.
- Non-performing loans as a share of gross loans: 5.37%.
- Provisions as a share of gross non-performing loans: 107.48%.
- Return on assets: 2.22%.
- Return on equity: 24.06%.
- Liquidity as a share of assets: 53.24%.
- Foreign-currency deposits as a share of total deposits: 59.6%.
- Total assets of the banking system: 403.1 billion gourdes.
- Employees: 4,779.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Décembre 2020
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
36.57%
28.37%
-109.67%
33.25%
23.42%
56.02%
24.42%
79.20%
Avoir des Actionnaires en % de l'Actif
9.13%
10.02%
-6.95%
9.71%
12.03%
8.20%
9.01%
10.40%
9.77%
Dépôts en % de l'actif
79.55%
75.88%
81.48%
78.52%
78.94%
78.05%
84.84%
60.61%
74.74%
Prêts improductifs en % prêts bruts
61.68%
5.37%
15.53%
81.53%
1.70%
0.95%
3.50%
0.82%
3.74%
-
Prov. Pr créances dout. En % prêts impr. Bruts
107.48%
70.61%
102.00%
245.84%
359.24%
124.58%
335.32%
95.31%
-
Prêts impr. Nets en % de l'avoir des actionnaires
-1.27%
11.87%
5.79%
-10.56%
-6.37%
-3.24%
-5.27%
0.90%
-
Commissions / salaires
68.28%
47.48%
8.53%
43.19%
140.21%
83.37%
68.05%
6.03%
43.73%
Dépenses d'exploitation en % PNB
Productivité par employé
58.34%
55.01%
127.08%
58.49%
52.42%
78.97%
50.43%
60.57%
56.88%
ROA
2.22%
1.22%
-2.02%
0.06%
5.12%
2.04%
3.04%
1.56%
3.44%
ROE
24.06%
12.28%
-
0.63%
41.36%
24.68%
33.42%
14.44%
32.01%
Rev. nets d'intérêts en % des rev. d'intérêts
79.41%
85.53%
68.35%
81.03%
78.77%
63.41%
81.39%
70.96%
95.98%
Rendement moyen des prêts
8.76%
9.28%
3.81%
14.57%
17.42%
3.16%
9.13%
12.22%
16.18%
Rémunération moyenne des dépôts
0.95%
0.96%
1.80%
1.67%
1.57%
0.81%
0.66%
3.31%
0.07%
Liquidité en % de l'actif
53.24%
59.7%
71.9%
46.0%
53.7%
49.4%
54.3%
18.2%
85.4%
Liquidité en % des dépôts
66.92%
78.61%
88.25%
58.60%
68.08%
63.32%
64.02%
29.99%
114.28%
Nombre de compte de prêts
103,986.0
28,589
284
1,070
4,071
48,122.0
21,388
457
5
Nombre de compte de dépôts
2,563,911
492,666
15,552
71,312
82,726
670,681.0
1,219,984
9,489
1,501
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,779
835
128
420
778
1,223
1,295
75
25
Actif Total du système (en milliers de gourdes)
403,115,849.6
84,210,300.5
4,521,528.3
31,139,742.1
29,013,767.0
109,560,989.1
131,613,282.6
8,321,329.0
4,734,911.0
Portefeuille brut du système (en milliers de gourdes)
116,095,510.7
21,956,998.8
1,112,945.5
12,807,101.2
9,009,453.0
33,835,944.8
32,589,651.6
4,426,131.7
357,284.0
Portefeuille net du système (en milliers de gourdes)
109,476,233.5
19,549,731.8
187,417.7
12,353,702.8
8,701,248.0
32,360,495.2
31,697,850.0
4,268,504.0
357,284.0
Dépôts Totaux du système ('000gdes)
320,625,771.2
63,897,365.5
3,684,352.7
24,387,880.4
22,903,065.0
85,509,284.8
111,661,544.0
5,043,221.9
3,539,057.0
Portefeuille net devises converties du système ('000gdes)
46,882,049.6
4,348,021.3
468,866.3
4,623,108.7
4,189,843.0
12,941,738.8
18,470,741.1
1,645,113.4
194,617.0
649,691.3
60,254.9
6,497.5
64,067.0
58,062.8
179,346.6
255,967.5
22,798.0
2,697.0
42.8%
22.24%
250.17%
37.42%
48.15%
39.99%
58.27%
38.54%
54.47%
190,969,524.5
25,690,272.8
1,837,947.2
15,934,475.2
16,546,768.0
52,755,293.0
72,443,814.7
3,597,064.5
2,163,889.0
2,646,455.1
356,015.7
25,470.3
220,819.9
229,305.1
731,082.7
1,003,926.2
49,848.1
29,987.2
59.6%
40.21%
49.89%
65.34%
72.25%
61.70%
64.88%
71.32%
61.14%
205,958,423.0
29,593,697.0
1,927,465.4
16,823,111.2
17,588,507.0
58,125,311.0
75,323,648.6
3,925,234.8
2,651,448.0
2,854,171.2
410,109.4
26,710.8
233,134.6
243,741.5
805,500.4
1,043,834.9
54,395.9
36,743.8
51.1%
35.14%
42.63%
54.02%
60.62%
53.05%
57.23%
47.17%
56.00%
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
72.1605