(2021-04) CAMEL Banking Soundness Report, April 2021
Summary — The banking system at April 2021: shareholders' equity 8.10% of assets, non-performing loans 7.88% of gross loans, return on assets 1.96%. 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: 8.10%.
- Non-performing loans as a share of gross loans: 7.88%.
- Provisions as a share of gross non-performing loans: 74.33%.
- Return on assets: 1.96%.
- Return on equity: 23.78%.
- Liquidity as a share of assets: 55.38%.
- Foreign-currency deposits as a share of total deposits: 62.0%.
- Total assets of the banking system: 462.6 billion gourdes.
- Employees: 4,862.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 30 Avril 2021
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
37.05%
29.82%
-101.63%
35.03%
27.85%
54.27%
24.49%
86.14%
57.75%
Avoir des Actionnaires en % de l'Actif
8.10%
9.35%
-6.96%
8.22%
10.13%
7.46%
7.81%
8.57%
7.68%
Dépôts en % de l'actif
81.30%
75.89%
82.63%
80.66%
80.35%
80.79%
86.38%
64.50%
81.38%
Prêts improductifs en % prêts bruts
7.88%
26.53%
83.12%
4.11%
1.33%
3.45%
0.64%
7.08%
-
Prov. Pr créances dout. En % prêts impr. Bruts
74.33%
41.88%
96.14%
122.70%
154.24%
142.92%
392.85%
52.34%
-
Prêts impr. Nets en % de l'avoir des actionnaires
6.73%
41.74%
-11.29%
-4.35%
-2.22%
-5.69%
-5.37%
19.96%
-
Commissions / salaires
64.86%
27.92%
12.99%
63.22%
104.29%
97.43%
66.85%
18.93%
69.00%
Dépenses d'exploitation en % PNB
Productivité par employé
59.07%
69.75%
102.20%
89.97%
57.76%
55.44%
51.36%
68.42%
58.52%
ROA
1.96%
1.38%
-1.10%
0.24%
3.19%
1.40%
3.04%
0.86%
2.34%
ROE
23.78%
14.67%
-
2.94%
31.17%
18.80%
37.38%
9.97%
27.47%
Rev. nets d'intérêts en % des rev. d'intérêts
81.61%
86.43%
74.44%
68.97%
79.33%
84.43%
81.21%
69.16%
96.37%
Rendement moyen des prêts
9.94%
9.23%
2.68%
10.46%
14.81%
10.53%
8.26%
10.23%
15.37%
Rémunération moyenne des dépôts
0.83%
0.79%
1.33%
1.81%
1.23%
0.73%
0.56%
2.68%
0.05%
Liquidité en % de l'actif
55.38%
59.2%
70.3%
51.0%
55.2%
52.1%
57.2%
16.6%
88.6%
Liquidité en % des dépôts
68.11%
77.95%
85.09%
63.18%
68.74%
64.49%
66.26%
25.79%
108.87%
Nombre de compte de prêts
95,787.0
29,814
256
917
4,107
41,135.0
19,088
465
5
Nombre de compte de dépôts
2,661,340
513,187
15,819
77,895
89,566
693,918.0
1,260,030
9,646
1,279
193
39
4
23
24
45
53
4
1
Nombre de succursales et Points de services Actifs
Nombre d'employés
4,862
819
136
470
801
1,229
1,303
78
26
Actif Total du système (en milliers de gourdes)
462,600,567.5
94,746,726.0
4,818,500.6
35,431,246.3
35,065,150.0
123,102,736.0
153,891,196.7
9,295,587.9
6,249,424.0
Portefeuille brut du système (en milliers de gourdes)
124,661,609.4
23,987,270.0
1,181,359.2
13,590,144.4
10,917,429.0
35,298,856.5
34,588,282.3
4,710,739.1
387,529.0
Portefeuille net du système (en milliers de gourdes)
117,362,228.6
21,322,370.0
237,322.8
12,905,461.4
10,692,782.0
33,558,491.6
33,722,125.4
4,536,146.4
387,529.0
Dépôts Totaux du système ('000gdes)
376,115,023.1
71,901,164.0
3,981,651.2
28,578,401.1
28,173,445.0
99,460,173.0
132,938,616.2
5,995,755.6
5,085,817.0
Portefeuille net devises converties du système ('000gdes)
55,491,450.2
5,685,327.0
531,008.9
5,576,010.7
6,104,230.0
14,697,092.5
20,724,143.9
1,948,775.2
224,862.0
650,266.3
66,622.5
6,222.5
65,341.5
71,531.3
172,225.2
242,852.0
22,836.4
2,635.0
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)
47.3%
233,217,973.5
2,732,921.7
62.0%
249,597,171.4
2,924,858.3
Pourcentage Actif Devises par rapport Actif Total
54.0%
Taux de Référence
85.3365
26.7%
223.7%
43.2%
57.1%
43.8%
61.5%
43.0%
58.0%
30,374,625.0
2,294,545.4
18,887,246.9
20,596,631.0
63,605,477.6
89,622,279.7
4,497,352.9
3,339,815.0
221,326.7
241,357.8
745,349.0
1,050,222.1
42.2%
355,939.4
57.6%
66.1%
73.1%
64.0%
67.4%
75.0%
65.7%
34,926,090.1
2,408,467.4
19,764,576.1
22,260,115.0
68,123,033.6
93,473,962.7
4,884,440.4
3,756,486.0
409,274.9
36.9%
26,888.2
28,223.2
50.0%
231,607.5
260,851.0
798,287.2
1,095,357.4
55.8%
63.5%
55.3%
60.7%
52,701.4
57,237.4
52.5%
39,137.0
44,019.7
60.1%