(2021-09) CAMEL Banking Soundness Report, September 2021
Summary — The banking system at September 2021: shareholders' equity 7.70% of assets, non-performing loans 5.61% 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: 7.70%.
- Non-performing loans as a share of gross loans: 5.61%.
- Provisions as a share of gross non-performing loans: 103.11%.
- Return on assets: 1.96%.
- Return on equity: 25.30%.
- Liquidity as a share of assets: 55.41%.
- Foreign-currency deposits as a share of total deposits: 66.1%.
- Total assets of the banking system: 520.3 billion gourdes.
- Employees: 4,784.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 30 septembre 2021
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
33.36%
31.68%
-99.27%
32.11%
28.59%
41.92%
22.91%
75.13%
Avoir des Actionnaires en % de l'Actif
7.70%
8.41%
-6.99%
8.40%
10.36%
7.15%
7.34%
8.53%
7.95%
Dépôts en % de l'actif
81.47%
75.42%
82.09%
81.82%
79.61%
81.47%
86.32%
65.37%
75.51%
Prêts improductifs en % prêts bruts
57.24%
5.61%
16.98%
84.79%
5.63%
0.43%
2.22%
0.51%
4.12%
-
Prov. Pr créances dout. En % prêts impr. Bruts
103.11%
67.49%
89.61%
86.48%
426.62%
230.57%
436.46%
100.66%
-
Prêts impr. Nets en % de l'avoir des actionnaires
-0.60%
17.35%
-31.45%
3.18%
-4.20%
-11.02%
-5.38%
-0.16%
-
Commissions / salaires
89.19%
30.64%
13.33%
130.08%
104.33%
120.17%
144.72%
24.72%
55.80%
Dépenses d'exploitation en % PNB
Productivité par employé
62.77%
95.00%
118.97%
64.60%
75.14%
61.14%
48.01%
27.36%
96.94%
ROA
1.96%
0.02%
-1.54%
4.18%
1.65%
0.29%
3.96%
4.35%
0.13%
ROE
25.30%
0.25%
-22.01%
51.44%
16.01%
4.09%
53.06%
51.69%
1.84%
Rev. nets d'intérêts en % des rev. d'intérêts
83.13%
85.03%
78.36%
72.16%
80.08%
86.72%
81.32%
84.99%
92.55%
Rendement moyen des prêts
11.36%
8.37%
2.02%
12.02%
15.41%
14.45%
8.25%
20.06%
13.48%
Rémunération moyenne des dépôts
0.81%
0.87%
0.98%
1.57%
1.27%
0.77%
0.51%
2.38%
0.05%
Liquidité en % de l'actif
55.41%
60.0%
67.8%
58.0%
55.3%
51.1%
56.1%
16.8%
92.0%
Liquidité en % des dépôts
68.02%
79.50%
82.54%
70.88%
69.42%
62.74%
65.03%
25.73%
121.85%
Nombre de compte de prêts
91,733.0
31,032
253
836
4,298
37,883
16,976
453
2
Nombre de compte de dépôts
2,664,031
536,708
15,875
88,204
96,408
603,587
1,314,111
7,939
1,199
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,784
784
138
467
812
1,174
1,308
77
24
Actif Total du système (en milliers de gourdes)
520,250,640.7
103,523,015.0
5,000,306.8
38,532,133.9
38,898,780.0
136,673,440.5
181,523,037.0
10,078,798.4
6,021,129.0
Portefeuille brut du système (en milliers de gourdes)
138,454,978.1
27,361,301.0
1,248,027.2
13,538,290.9
12,142,855.0
37,178,786.4
41,781,164.1
5,029,973.5
174,580.0
Portefeuille net du système (en milliers de gourdes)
130,451,178.7
24,226,185.0
299,724.3
12,879,428.6
11,921,831.0
35,277,167.7
40,850,938.7
4,821,323.3
174,580.0
Dépôts Totaux du système ('000gdes)
423,844,279.5
78,079,272.0
4,104,730.3
31,525,640.7
30,966,722.0
111,346,274.4
156,686,632.5
6,588,415.7
4,546,592.0
Portefeuille net devises converties du système ('000gdes)
58,632,557.0
4,577,240.0
579,928.0
4,710,044.0
6,436,797.0
14,988,740.4
25,027,514.0
2,234,380.7
77,913.0
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)
602,027.7
153,901.5
256,977.6
18.9%
193.5%
36.6%
54.0%
42.5%
61.3%
46.3%
44.6%
280,321,720.1
36,013,707.0
2,368,688.9
21,574,269.3
23,349,153.0
76,553,000.9
111,841,687.0
5,140,174.9
3,481,039.0
2,878,288.7
369,781.7
24,321.2
221,520.4
239,744.5
786,031.3
1,148,368.6
52,778.3
35,742.6
44.9%
46,998.2
5,954.6
48,361.8
66,091.8
22,942.2
800.0
46.1%
57.7%
68.4%
75.4%
68.8%
71.4%
78.0%
76.6%
297,912,901.0
39,531,650.0
2,473,759.5
22,674,498.7
25,103,277.0
81,729,132.6
116,654,199.1
5,578,505.1
4,167,879.0
3,058,911.5
405,903.3
25,400.1
232,817.3
257,755.6
839,178.8
1,197,782.6
57,279.0
42,795.0
58.8%
64.5%
59.8%
64.3%
66.1%
Pourcentage Actif Devises par rapport Actif Total
57.3%
Taux de Référence
97.3918
38.2%
49.5%
55.3%
69.2%