(2021-02) CAMEL Banking Soundness Report, February 2021
Summary — The banking system at February 2021: shareholders' equity 8.73% of assets, non-performing loans 6.61% of gross loans, return on assets 1.35%. 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: 8.73%.
- Non-performing loans as a share of gross loans: 6.61%.
- Provisions as a share of gross non-performing loans: 91.72%.
- Return on assets: 1.35%.
- Return on equity: 15.20%.
- Liquidity as a share of assets: 55.15%.
- Foreign-currency deposits as a share of total deposits: 58.9%.
- Total assets of the banking system: 429.3 billion gourdes.
- Employees: 4,829.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 28 Février 2021
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
35.82%
27.88%
-105.47%
33.25%
22.59%
57.39%
23.23%
78.29%
Avoir des Actionnaires en % de l'Actif
8.73%
9.76%
-7.01%
9.15%
11.23%
7.56%
8.91%
10.27%
60.65%
6.75%
Dépôts en % de l'actif
79.98%
75.96%
81.13%
79.82%
79.16%
78.72%
84.83%
61.56%
79.66%
Prêts improductifs en % prêts bruts
6.61%
18.58%
81.68%
4.57%
1.41%
4.03%
0.89%
6.78%
-
Prov. Pr créances dout. En % prêts impr. Bruts
91.72%
60.69%
102.09%
100.10%
254.13%
124.90%
292.56%
53.59%
-
Prêts impr. Nets en % de l'avoir des actionnaires
1.71%
18.90%
5.88%
-0.02%
-5.57%
-3.99%
-4.48%
16.11%
-
Commissions / salaires
49.57%
26.88%
26.25%
45.70%
84.46%
74.07%
43.87%
29.27%
38.02%
Dépenses d'exploitation en % PNB
Productivité par employé
60.38%
63.47%
123.32%
67.33%
65.32%
53.04%
58.48%
66.41%
119.31%
ROA
1.35%
1.35%
-1.85%
0.77%
2.52%
0.60%
2.05%
0.91%
-0.48%
ROE
15.20%
13.67%
-26.48%
8.28%
22.02%
7.76%
22.75%
8.77%
-5.81%
Rev. nets d'intérêts en % des rev. d'intérêts
83.88%
86.21%
72.91%
76.09%
79.75%
88.03%
82.48%
68.85%
100.48%
Rendement moyen des prêts
10.93%
8.71%
2.73%
10.76%
15.40%
14.28%
8.18%
9.51%
16.50%
Rémunération moyenne des dépôts
0.80%
0.79%
1.36%
1.52%
1.19%
0.75%
0.54%
2.79%
-0.01%
Liquidité en % de l'actif
55.15%
60.2%
72.2%
50.0%
56.8%
50.7%
56.6%
15.6%
89.9%
Liquidité en % des dépôts
68.96%
79.31%
88.95%
62.60%
71.77%
64.40%
66.72%
25.36%
112.86%
Nombre de compte de prêts
100,513.0
28,286
283
941
4,156
46,182
20,196
464
5
Nombre de compte de dépôts
2,600,201
499,434
15,667
73,899
85,277
680,337.0
1,234,663
9,573
1,351
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,829
825
130
459
784
1,218
1,309
78
26
Actif Total du système (en milliers de gourdes)
429,312,611.9
88,210,649.5
4,648,442.7
33,431,674.7
31,882,353.0
114,631,924.0
141,091,328.4
8,551,064.6
6,865,175.0
Portefeuille brut du système (en milliers de gourdes)
117,371,850.8
22,288,678.1
1,121,286.9
12,821,269.8
9,171,479.0
34,408,529.2
32,701,936.8
4,492,896.0
365,775.0
Portefeuille net du système (en milliers de gourdes)
110,257,847.8
19,775,738.1
186,276.1
12,234,276.9
8,842,824.0
32,676,149.9
31,847,254.5
4,329,553.3
365,775.0
Dépôts Totaux du système ('000gdes)
343,356,692.5
67,001,689.5
3,771,161.7
26,685,082.0
25,236,483.0
90,240,921.3
119,688,971.8
5,263,610.3
5,468,773.0
Portefeuille net devises converties du système ('000gdes)
49,079,227.0
4,689,033.1
475,154.2
5,017,204.0
4,614,318.0
13,433,392.0
18,914,145.3
1,732,872.5
203,108.0
652,583.3
62,347.9
6,317.9
66,711.4
61,354.4
178,617.5
251,492.5
23,041.2
2,700.6
44.5%
23.71%
255.08%
41.01%
52.18%
41.11%
59.39%
40.02%
55.53%
202,108,329.0
27,296,159.5
2,017,696.8
16,703,096.3
17,964,760.0
54,181,750.9
76,355,634.5
3,774,704.0
3,814,527.0
2,687,339.2
362,944.2
26,828.4
222,093.2
238,868.9
720,429.2
1,015,264.9
50,190.5
50,720.0
58.9%
40.74%
53.50%
62.59%
71.19%
60.04%
63.80%
71.71%
69.75%
218,679,078.4
31,216,712.1
2,121,191.4
17,519,573.6
19,293,032.0
60,010,764.2
80,106,591.5
4,111,373.7
4,299,840.0
2,907,672.6
415,073.9
28,204.5
232,949.5
256,530.4
797,934.8
1,065,139.6
54,667.0
57,172.9
50.9%
35.39%
45.63%
52.40%
60.51%
52.35%
56.78%
48.08%
62.63%
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
75.2076