(2021-05) CAMEL Banking Soundness Report, May 2021
Summary — The banking system at May 2021: shareholders' equity 8.00% of assets, non-performing loans 7.61% of gross loans, return on assets 2.00%. 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: 8.00%.
- Non-performing loans as a share of gross loans: 7.61%.
- Provisions as a share of gross non-performing loans: 73.03%.
- Return on assets: 2.00%.
- Return on equity: 24.83%.
- Liquidity as a share of assets: 54.41%.
- Foreign-currency deposits as a share of total deposits: 63.2%.
- Total assets of the banking system: 477.6 billion gourdes.
- Employees: 4,887.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Mai 2021
SYSTÈME
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
36.23%
29.45%
-99.99%
34.43%
27.53%
52.88%
23.84%
84.87%
57.56%
Avoir des Actionnaires en % de l'Actif
8.00%
8.89%
-7.15%
8.09%
10.21%
7.49%
7.80%
8.36%
6.80%
Dépôts en % de l'actif
80.39%
72.45%
82.10%
81.06%
79.89%
80.16%
86.35%
65.03%
83.52%
Prêts improductifs en % prêts bruts
7.61%
22.31%
83.32%
4.59%
1.72%
3.49%
0.64%
5.89%
-
Prov. Pr créances dout. En % prêts impr. Bruts
73.03%
41.15%
94.75%
113.19%
119.76%
136.71%
396.35%
63.23%
-
Prêts impr. Nets en % de l'avoir des actionnaires
7.19%
42.94%
15.45%
-2.76%
-1.07%
-5.09%
-5.47%
12.88%
-
Commissions / salaires
76.94%
55.22%
8.69%
61.62%
112.21%
104.51%
77.70%
22.59%
27.32%
Dépenses d'exploitation en % PNB
Productivité par employé
56.40%
66.48%
110.74%
70.79%
51.28%
51.31%
51.74%
58.49%
110.13%
ROA
2.00%
1.53%
-1.37%
1.22%
4.07%
1.78%
2.41%
1.34%
-0.30%
ROE
24.83%
16.78%
-19.38%
15.00%
39.97%
23.87%
30.91%
15.82%
-4.18%
Rev. nets d'intérêts en % des rev. d'intérêts
82.80%
88.05%
75.85%
76.99%
79.99%
84.15%
82.33%
71.11%
96.05%
Rendement moyen des prêts
9.92%
6.03%
2.79%
13.13%
15.56%
10.69%
9.05%
11.11%
16.39%
Rémunération moyenne des dépôts
0.78%
0.61%
1.24%
1.58%
1.28%
0.76%
0.55%
2.67%
0.05%
Liquidité en % de l'actif
54.41%
56.4%
69.1%
55.2%
53.0%
51.1%
56.2%
16.6%
89.8%
Liquidité en % des dépôts
67.69%
77.82%
84.15%
68.11%
66.34%
63.78%
65.05%
25.60%
107.48%
Nombre de compte de prêts
95,885.0
30,748
257
891
4,278
40,511.0
18,732
462
6
Nombre de compte de dépôts
2,693,007
520,834
15,685
79,646
91,431
701,415.0
1,273,015
9,711
1,270
193
39
4
23
24
45
53
4
1
4,887
819
136
472
808
1,225
1,321
79
27
Actif Total du système (en milliers de gourdes)
477,601,879.3
101,107,246.0
4,767,998.1
36,453,893.0
35,987,925.0
124,399,109.9
158,201,779.5
9,650,626.7
7,033,301.0
Portefeuille brut du système (en milliers de gourdes)
133,701,385.0
29,386,497.0
1,203,457.0
13,435,457.6
11,574,177.0
37,042,329.1
35,857,426.2
4,805,830.2
396,211.0
Portefeuille net du système (en milliers de gourdes)
126,269,263.8
26,688,425.0
253,358.2
12,737,108.2
11,335,438.0
35,276,894.4
34,954,833.8
4,626,995.2
396,211.0
Dépôts Totaux du système ('000gdes)
383,937,397.1
73,248,903.0
3,914,384.1
29,548,191.7
28,750,039.0
99,721,209.1
136,604,501.1
6,275,821.2
5,874,348.0
Portefeuille net devises converties du système ('000gdes)
57,459,293.7
6,146,824.0
547,887.4
4,850,104.4
6,300,794.0
15,740,962.5
21,611,591.7
2,027,585.7
233,544.0
648,292.1
69,352.4
6,181.6
54,721.9
71,089.5
177,599.5
243,835.6
22,876.5
2,635.0
45.5%
23.0%
216.3%
38.1%
55.6%
44.6%
61.8%
43.8%
58.9%
242,767,118.5
31,983,173.0
2,285,524.7
19,825,665.6
21,401,835.0
64,598,149.8
93,980,675.8
4,806,807.6
3,885,287.0
2,739,052.1
360,854.4
25,786.7
223,685.7
241,469.0
728,837.2
1,060,349.4
54,233.4
43,836.3
63.2%
43.7%
58.4%
67.1%
74.4%
64.8%
68.8%
76.6%
66.1%
260,350,961.8
36,732,824.0
2,415,918.6
20,736,805.7
23,256,314.0
69,533,607.7
98,178,050.9
5,196,630.9
4,300,810.0
2,937,444.1
414,442.9
27,257.9
233,965.8
262,392.4
784,522.1
1,107,706.8
58,631.7
48,524.5
Pourcentage Actif Devises par rapport Actif Total
54.5%
36.3%
50.7%
56.9%
64.6%
55.9%
62.1%
53.8%
61.1%
Taux de Référence
88.6318
C
A
M
E
L
Nombre de succursales et Points de services Actifs
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)