(2021-07) CAMEL Banking Soundness Report, July 2021
Summary — The banking system at July 2021: shareholders' equity 7.81% of assets, non-performing loans 6.33% of gross loans, return on assets 1.83%. 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: 7.81%.
- Non-performing loans as a share of gross loans: 6.33%.
- Provisions as a share of gross non-performing loans: 94.91%.
- Return on assets: 1.83%.
- Return on equity: 23.31%.
- Liquidity as a share of assets: 53.96%.
- Foreign-currency deposits as a share of total deposits: 65.2%.
- Total assets of the banking system: 504.0 billion gourdes.
- Employees: 4,842.
Full Document Text
Extracted text from the original document for search indexing.
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 juillet 2021
SYSTÈME
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
33.17%
31.31%
-99.14%
34.08%
26.43%
40.58%
23.02%
82.95%
56.73%
Avoir des Actionnaires en % de l'Actif
7.81%
8.49%
-7.36%
7.94%
10.23%
7.43%
7.58%
8.24%
6.59%
Dépôts en % de l'actif
80.66%
73.45%
82.70%
80.25%
79.92%
80.34%
86.27%
65.96%
81.45%
Prêts improductifs en % prêts bruts
6.33%
17.28%
77.38%
4.80%
0.81%
3.60%
0.70%
5.83%
-
Prov. Pr créances dout. En % prêts impr. Bruts
94.91%
62.19%
100.13%
113.08%
247.03%
142.80%
380.09%
64.68%
-
Prêts impr. Nets en % de l'avoir des actionnaires
1.12%
21.63%
0.36%
-2.95%
-3.73%
-6.13%
-5.52%
12.45%
-
Commissions / salaires
62.91%
21.19%
17.39%
51.60%
90.07%
88.29%
82.61%
10.33%
53.41%
Dépenses d'exploitation en % PNB
Productivité par employé
61.36%
70.31%
116.79%
97.65%
61.72%
51.19%
55.79%
66.99%
94.48%
ROA
1.83%
1.22%
-1.54%
0.01%
3.02%
1.54%
2.77%
0.86%
0.21%
ROE
23.31%
14.44%
-21.20%
0.16%
29.67%
20.62%
36.30%
10.42%
2.96%
Rev. nets d'intérêts en % des rev. d'intérêts
82.20%
86.74%
72.35%
72.50%
78.93%
84.54%
82.37%
70.12%
95.56%
Rendement moyen des prêts
9.71%
6.47%
1.94%
11.54%
16.13%
10.48%
8.78%
10.12%
15.75%
Rémunération moyenne des dépôts
0.78%
0.73%
1.24%
1.62%
1.41%
0.71%
0.50%
2.45%
0.05%
Liquidité en % de l'actif
53.96%
56.4%
67.3%
54.9%
54.8%
48.6%
56.5%
16.3%
90.1%
Liquidité en % des dépôts
66.90%
76.83%
81.41%
68.47%
68.58%
60.51%
65.49%
24.77%
110.60%
Nombre de compte de prêts
94,392.0
31,117
256
877
4,223
39,779
17,674
461
5
Nombre de compte de dépôts
2,736,957
528,625
15,768
84,392
94,153
710,919
1,291,986
9,868
1,246
193
39
4
23
24
45
53
4
1
4,842
807
138
471
800
1,209
1,313
77
27
Actif Total du système (en milliers de gourdes)
503,994,680.1
103,053,365.0
4,792,201.7
37,303,321.9
37,795,935.0
132,254,240.4
171,532,405.6
10,002,009.4
7,261,201.0
Portefeuille brut du système (en milliers de gourdes)
137,257,416.4
28,983,577.0
1,243,086.4
13,903,981.2
12,131,477.0
39,081,397.8
36,531,050.1
4,984,293.9
398,553.0
Portefeuille net du système (en milliers de gourdes)
129,010,948.1
25,869,350.0
279,911.1
13,149,856.2
11,889,048.0
37,071,200.8
35,556,575.0
4,796,453.9
398,553.0
Dépôts Totaux du système ('000gdes)
406,538,523.1
75,690,986.0
3,963,181.9
29,937,269.2
30,206,319.0
106,255,412.4
147,974,202.6
6,596,871.1
5,914,281.0
Portefeuille net devises converties du système ('000gdes)
55,388,883.7
4,633,532.0
575,954.3
5,061,643.4
5,075,877.0
16,252,697.9
21,354,199.1
2,199,094.0
235,886.0
577,639.6
48,322.2
6,006.5
52,786.9
52,935.3
169,496.2
222,698.7
22,933.9
2,460.0
42.9%
17.9%
205.8%
38.5%
42.7%
43.8%
60.1%
45.8%
59.2%
265,096,786.4
34,111,804.0
2,409,587.8
20,621,628.5
22,482,057.0
71,368,509.6
104,415,115.7
5,093,247.9
4,594,836.0
2,764,641.6
355,745.2
25,129.1
215,058.9
234,460.9
744,288.0
1,088,924.5
53,116.5
47,918.6
65.2%
45.1%
60.8%
68.9%
74.4%
67.2%
70.6%
77.2%
77.7%
282,309,285.1
37,470,551.0
2,515,441.5
21,877,737.6
24,137,407.0
76,557,329.4
109,061,042.4
5,537,046.2
5,152,730.0
2,944,147.4
390,772.9
26,233.0
228,158.6
251,724.2
798,401.2
1,137,375.9
57,744.8
53,736.8
Pourcentage Actif Devises par rapport Actif Total
56.0%
36.4%
52.5%
58.6%
63.9%
57.9%
63.6%
55.4%
71.0%
Taux de Référence
95.8883
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)