(2021-01) CAMEL Banking Soundness Report, January 2021
Summary — The banking system at January 2021: shareholders' equity 9.04% of assets, non-performing loans 6.18% of gross loans, return on assets 2.07%. 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: 9.04%.
- Non-performing loans as a share of gross loans: 6.18%.
- Provisions as a share of gross non-performing loans: 94.76%.
- Return on assets: 2.07%.
- Return on equity: 22.74%.
- Liquidity as a share of assets: 54.11%.
- Foreign-currency deposits as a share of total deposits: 58.1%.
- Total assets of the banking system: 412.8 billion gourdes.
- Employees: 4,798.
Full Document Text
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SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Janvier 2021
SYSTÈME
C
A
M
E
L
Immobilisations/avoir des actionnaires
BNC
36.12%
BPH
28.28%
BUH
-108.05%
CAPITALBK
33.60%
22.87%
SOGEBK
UNIBNK
56.49%
SOGEBL
CBNA
23.63%
78.93%
61.00%
Avoir des Actionnaires en % de l'Actif
9.04%
9.97%
-6.96%
9.42%
11.69%
7.94%
9.09%
10.54%
10.46%
Dépôts en % de l'actif
79.81%
75.80%
81.76%
79.54%
78.99%
78.69%
84.74%
60.54%
76.35%
Prêts improductifs en % prêts bruts
6.18%
16.76%
82.11%
4.57%
1.01%
4.14%
0.87%
4.44%
-
Prov. Pr créances dout. En % prêts impr. Bruts
94.76%
66.21%
102.60%
94.07%
345.54%
112.00%
288.82%
81.34%
-
Prêts impr. Nets en % de l'avoir des actionnaires
1.01%
14.74%
7.40%
1.14%
-6.25%
-1.90%
-4.35%
4.19%
-
Commissions / salaires
56.54%
32.43%
13.11%
39.95%
87.54%
73.08%
63.34%
17.30%
40.97%
Dépenses d'exploitation en % PNB
Productivité par employé
53.78%
65.01%
102.12%
73.41%
66.98%
60.79%
38.83%
68.18%
86.03%
0.50%
ROA
2.07%
1.05%
-1.16%
0.85%
2.55%
0.79%
4.18%
0.88%
ROE
22.74%
10.50%
-
8.88%
21.52%
9.83%
46.22%
8.41%
4.96%
Rev. nets d'intérêts en % des rev. d'intérêts
82.31%
85.37%
74.08%
76.27%
76.82%
85.27%
82.35%
68.23%
97.71%
Rendement moyen des prêts
10.41%
8.86%
3.53%
11.12%
14.62%
11.51%
9.04%
10.50%
15.08%
Rémunération moyenne des dépôts
0.88%
0.88%
1.53%
1.62%
1.37%
0.79%
0.59%
3.09%
0.04%
Liquidité en % de l'actif
54.11%
59.9%
72.6%
44.8%
57.3%
50.9%
55.2%
17.8%
84.4%
Liquidité en % des dépôts
67.80%
79.06%
88.74%
56.36%
72.60%
64.67%
65.12%
29.45%
110.48%
Nombre de compte de prêts
102,450.0
28,721
284
942
4,126
47,111.0
20,803
458
5
Nombre de compte de dépôts
2,585,295
496,401
15,611
72,830
84,167
676,706.0
1,228,549
9,537
1,494
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,798
830
136
443
778
1,214
1,293
78
26
Actif Total du système (en milliers de gourdes)
412,819,620.9
85,419,479.8
4,580,635.4
32,238,404.4
30,407,078.0
111,768,878.0
135,685,838.7
8,275,875.5
4,443,431.0
Portefeuille brut du système (en milliers de gourdes)
116,041,954.4
22,155,768.1
1,103,465.0
12,752,589.2
8,958,251.0
33,800,004.1
32,503,064.9
4,410,911.1
357,901.0
Portefeuille net du système (en milliers de gourdes)
109,244,493.1
19,697,174.1
173,840.9
12,204,222.1
8,645,816.0
32,231,403.6
31,682,621.8
4,251,513.7
357,901.0
Dépôts Totaux du système ('000gdes)
329,487,282.3
64,748,692.4
3,745,222.9
25,642,181.4
24,020,025.0
87,954,010.3
114,973,821.6
5,010,611.7
3,392,717.0
Portefeuille net devises converties du système ('000gdes)
47,692,733.8
4,521,105.1
461,525.7
4,949,221.1
4,371,748.0
12,817,852.8
18,741,107.7
1,634,939.4
195,234.0
659,720.8
62,539.2
6,384.2
68,461.2
60,473.2
177,305.9
259,240.7
22,615.7
2,700.6
43.7%
22.95%
265.49%
40.55%
50.56%
39.77%
59.15%
38.46%
54.55%
191,478,690.9
25,361,860.0
1,908,466.1
15,859,042.3
16,866,858.0
52,641,767.8
73,152,892.0
3,566,899.8
2,120,905.0
2,648,673.4
350,823.8
26,399.3
219,373.9
233,314.7
728,179.5
1,011,904.3
49,340.0
29,337.9
58.1%
39.17%
50.96%
61.85%
70.22%
59.85%
63.63%
71.19%
62.51%
207,191,940.5
29,206,251.2
2,046,216.6
16,625,635.4
18,343,023.0
57,926,400.4
76,718,561.9
3,881,362.1
2,444,490.0
2,866,030.6
404,002.2
28,304.8
229,978.0
253,734.1
801,280.4
1,061,227.3
53,689.8
33,814.0
50.2%
34.19%
44.67%
51.57%
60.32%
51.83%
56.54%
46.90%
55.01%
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
72.2923