(2021-06) CAMEL Banking Soundness Report, June 2021
Summary — The banking system at June 2021: shareholders' equity 7.87% of assets, non-performing loans 5.93% of gross loans, return on assets 1.99%. 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: 7.87%.
- Non-performing loans as a share of gross loans: 5.93%.
- Provisions as a share of gross non-performing loans: 101.55%.
- Return on assets: 1.99%.
- Return on equity: 25.06%.
- Liquidity as a share of assets: 53.75%.
- Foreign-currency deposits as a share of total deposits: 63.8%.
- Total assets of the banking system: 487.2 billion gourdes.
- Employees: 4,864.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 30 juin 2021
SYSTÈME
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
33.63%
30.63%
-100.55%
34.05%
27.23%
41.94%
23.39%
83.81%
55.84%
Avoir des Actionnaires en % de l'Actif
7.87%
8.39%
-7.17%
8.17%
10.15%
7.50%
7.70%
8.33%
7.51%
Dépôts en % de l'actif
80.86%
73.34%
82.87%
80.97%
79.33%
80.89%
86.76%
65.19%
79.66%
Prêts improductifs en % prêts bruts
5.93%
16.47%
79.07%
2.34%
1.06%
3.40%
0.68%
5.60%
-
Prov. Pr créances dout. En % prêts impr. Bruts
101.55%
67.40%
99.36%
231.74%
186.17%
143.31%
382.74%
66.60%
-
Prêts impr. Nets en % de l'avoir des actionnaires
-0.32%
18.22%
-1.77%
-14.03%
-2.88%
-5.97%
-5.41%
11.18%
-
Commissions / salaires
63.25%
34.23%
11.00%
60.91%
104.77%
88.42%
63.01%
16.14%
51.59%
Dépenses d'exploitation en % PNB
Productivité par employé
58.21%
53.75%
109.61%
76.03%
61.41%
58.19%
54.09%
62.68%
60.70%
ROA
1.99%
2.57%
-1.39%
0.43%
2.81%
1.46%
2.35%
1.19%
1.96%
ROE
25.06%
29.78%
-19.45%
5.24%
27.58%
19.46%
30.39%
14.21%
27.41%
Rev. nets d'intérêts en % des rev. d'intérêts
85.31%
98.24%
76.12%
76.04%
79.43%
82.80%
81.56%
72.44%
95.90%
Rendement moyen des prêts
10.32%
9.73%
3.33%
13.54%
15.01%
9.88%
8.56%
11.18%
15.99%
Rémunération moyenne des dépôts
0.68%
0.12%
1.22%
1.61%
1.28%
0.77%
0.52%
2.53%
0.05%
Liquidité en % de l'actif
53.75%
56.8%
68.9%
54.7%
54.2%
47.8%
56.6%
15.7%
88.8%
Liquidité en % des dépôts
66.48%
77.49%
83.11%
67.54%
68.37%
59.05%
65.26%
24.02%
111.52%
Nombre de compte de prêts
95,597.0
31,323
257
885
4,223
40,162
18,281
461
5
Nombre de compte de dépôts
2,719,697
526,111
15,735
81,886
93,099
707,091.0
1,284,680
9,829
1,266
193
39
4
23
24
45
53
4
1
4,864
813
138
474
811
1,215
1,307
79
27
Actif Total du système (en milliers de gourdes)
487,152,346.0
101,686,860.0
4,833,402.0
36,220,353.7
37,050,279.0
127,082,117.2
163,961,055.7
9,801,922.4
6,516,356.0
Portefeuille brut du système (en milliers de gourdes)
134,823,629.3
28,951,353.0
1,216,523.4
13,504,594.3
11,900,877.0
38,616,518.0
35,347,031.1
4,883,871.5
402,861.0
Portefeuille net du système (en milliers de gourdes)
126,700,649.6
25,738,268.0
260,731.6
12,773,712.3
11,666,673.0
36,733,519.5
34,423,104.6
4,701,779.6
402,861.0
Dépôts Totaux du système ('000gdes)
393,927,960.8
74,578,946.0
4,005,601.6
29,328,656.4
29,390,907.0
102,796,130.0
142,247,597.0
6,389,457.8
5,190,665.0
Portefeuille net devises converties du système ('000gdes)
55,084,079.6
4,055,491.0
555,640.4
4,735,956.7
6,571,094.0
15,909,540.6
20,907,372.7
2,108,790.2
240,194.0
607,546.8
44,729.8
6,128.4
52,235.0
72,475.5
175,473.4
230,596.7
23,258.8
2,649.2
43.5%
15.8%
213.1%
37.1%
56.3%
43.3%
60.7%
44.9%
59.6%
251,416,196.9
33,096,622.0
2,317,934.0
19,490,724.0
21,881,542.0
67,309,068.7
98,583,365.4
4,918,499.8
3,818,441.0
2,772,980.9
365,037.3
25,565.5
214,971.9
241,341.2
742,381.6
1,087,319.7
54,248.3
42,115.3
63.8%
44.4%
57.9%
66.5%
74.5%
65.5%
69.3%
77.0%
73.6%
267,673,612.5
36,153,438.0
2,417,351.9
20,312,914.2
23,784,790.0
72,201,897.2
102,951,268.0
5,366,575.3
4,485,378.0
2,952,291.2
398,752.3
26,662.0
224,040.2
262,333.0
796,346.8
1,135,495.3
59,190.3
49,471.2
Pourcentage Actif Devises par rapport Actif Total
54.9%
35.6%
50.0%
56.1%
64.2%
56.8%
62.8%
54.8%
68.8%
Taux de Référence
90.6664
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)