(2021-08) CAMEL Banking Soundness Report, August 2021
Summary — The banking system at August 2021: shareholders' equity 7.77% of assets, non-performing loans 6.36% of gross loans, return on assets 1.73%. 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: 7.77%.
- Non-performing loans as a share of gross loans: 6.36%.
- Provisions as a share of gross non-performing loans: 93.88%.
- Return on assets: 1.73%.
- Return on equity: 22.24%.
- Liquidity as a share of assets: 54.29%.
- Foreign-currency deposits as a share of total deposits: 65.9%.
- Total assets of the banking system: 514.2 billion gourdes.
- Employees: 4,818.
Full Document Text
Extracted text from the original document for search indexing.
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 août 2021
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.91%
30.98%
-101.69%
34.59%
26.19%
40.75%
22.69%
81.77%
Avoir des Actionnaires en % de l'Actif
7.77%
8.53%
-7.01%
7.86%
10.20%
7.25%
7.58%
8.30%
57.46%
6.76%
Dépôts en % de l'actif
78.32%
73.24%
82.84%
81.85%
80.01%
80.82%
86.23%
56.54%
74.89%
Prêts improductifs en % prêts bruts
6.36%
17.01%
80.64%
5.25%
1.87%
3.64%
0.64%
5.77%
-
Prov. Pr créances dout. En % prêts impr. Bruts
93.88%
63.03%
93.59%
109.35%
108.70%
142.55%
403.79%
65.49%
-
Prêts impr. Nets en % de l'avoir des actionnaires
1.36%
20.74%
-18.87%
-2.27%
-0.51%
-6.23%
-5.63%
12.06%
-
Commissions / salaires
82.54%
53.64%
6.11%
58.30%
103.08%
105.52%
88.42%
22.79%
51.71%
Dépenses d'exploitation en % PNB
Productivité par employé
57.79%
71.40%
176.20%
71.42%
56.33%
55.25%
49.53%
60.61%
103.10%
ROA
1.73%
0.88%
-3.43%
0.57%
3.41%
1.44%
2.60%
1.18%
-0.12%
ROE
22.24%
10.39%
-47.78%
7.16%
33.35%
19.58%
34.25%
14.33%
-1.72%
Rev. nets d'intérêts en % des rev. d'intérêts
81.26%
83.27%
77.07%
75.79%
78.84%
84.79%
80.64%
71.49%
94.45%
Rendement moyen des prêts
9.08%
2.71%
2.36%
5.71%
15.11%
10.90%
8.45%
10.32%
14.60%
Rémunération moyenne des dépôts
0.77%
0.65%
1.09%
1.62%
1.31%
0.72%
0.53%
2.39%
0.05%
Liquidité en % de l'actif
54.29%
56.2%
67.0%
57.2%
55.5%
49.3%
56.5%
15.7%
91.3%
Liquidité en % des dépôts
67.12%
76.71%
80.91%
69.90%
69.32%
60.97%
65.52%
23.84%
114.07%
Nombre de compte de prêts
94,416.0
31,618
254
867
4,400
38,946
17,869
459
3
Nombre de compte de dépôts
2,696,019
532,402
15,824
86,572
95,235
653,659
1,303,210
7,906
1,211
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,818
793
138
470
800
1,196
1,319
75
27
Actif Total du système (en milliers de gourdes)
514,227,408.8
103,458,311.0
4,893,202.1
37,894,410.2
38,971,417.0
135,230,194.8
176,664,335.2
10,050,529.6
7,065,009.0
Portefeuille brut du système (en milliers de gourdes)
139,846,384.0
29,115,122.0
1,251,555.5
13,738,209.5
12,417,980.0
39,346,575.2
38,626,753.1
5,048,490.7
301,698.0
Portefeuille net du système (en milliers de gourdes)
131,501,890.2
25,994,322.0
307,059.9
12,948,808.3
12,165,348.0
37,302,361.5
37,624,672.5
4,857,620.0
301,698.0
Dépôts Totaux du système ('000gdes)
415,929,906.9
75,774,817.0
4,053,686.9
31,015,515.1
31,180,845.0
109,298,141.6
152,337,182.3
6,613,398.0
5,656,321.0
Portefeuille net devises converties du système ('000gdes)
58,074,214.2
4,701,630.0
585,541.5
4,798,531.8
6,667,734.0
16,062,358.5
22,809,886.2
2,243,501.3
205,031.0
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)
594,818.5
164,516.9
233,627.7
18.1%
190.7%
37.1%
54.8%
43.1%
60.6%
46.2%
68.0%
274,260,326.6
34,460,715.0
2,386,045.1
21,462,245.3
23,648,379.0
74,036,002.0
108,415,982.8
5,158,470.4
4,692,487.0
2,809,080.1
352,959.9
24,438.8
219,824.6
242,215.8
758,305.3
1,110,438.4
52,835.0
48,062.3
44.2%
48,155.9
5,997.3
49,148.4
68,293.5
22,978.8
2,100.0
45.5%
58.9%
69.2%
75.8%
67.7%
71.2%
78.0%
83.0%
292,319,419.3
37,974,692.0
2,485,609.9
22,443,649.4
25,481,306.0
79,612,130.6
113,360,563.1
5,615,423.2
5,346,045.0
2,994,048.3
388,951.5
25,458.6
229,876.5
260,989.4
815,418.2
1,161,082.7
57,515.3
54,756.3
59.2%
65.4%
58.9%
64.2%
65.9%
Pourcentage Actif Devises par rapport Actif Total
56.8%
Taux de Référence
97.6335
36.7%
50.8%
55.9%
75.7%