(2021-10) CAMEL Banking Soundness Report, October 2021
Summary — The banking system at October 2021: shareholders' equity 7.75% of assets, non-performing loans 6.43% of gross loans, return on assets 2.33%. 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: 7.75%.
- Non-performing loans as a share of gross loans: 6.43%.
- Provisions as a share of gross non-performing loans: 90.34%.
- Return on assets: 2.33%.
- Return on equity: 30.12%.
- Liquidity as a share of assets: 55.61%.
- Foreign-currency deposits as a share of total deposits: 66.2%.
- Total assets of the banking system: 528.1 billion gourdes.
- Employees: 4,786.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 octobre 2021
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.50%
31.11%
-98.33%
27.18%
27.98%
41.92%
22.53%
74.51%
Avoir des Actionnaires en % de l'Actif
7.75%
8.40%
-7.34%
9.46%
10.44%
6.87%
7.45%
8.57%
56.33%
8.07%
Dépôts en % de l'actif
80.92%
75.50%
82.52%
78.34%
78.65%
80.87%
86.18%
65.43%
74.69%
Prêts improductifs en % prêts bruts
6.43%
17.30%
84.65%
8.41%
0.68%
3.24%
0.45%
7.18%
-
Prov. Pr créances dout. En % prêts impr. Bruts
90.34%
66.35%
89.58%
55.84%
285.43%
159.09%
458.87%
61.32%
-
Prêts impr. Nets en % de l'avoir des actionnaires
2.08%
18.27%
-31.40%
13.84%
-3.74%
-7.31%
-4.82%
-0.16%
-
Commissions / salaires
55.52%
31.11%
11.65%
57.92%
108.57%
80.52%
48.00%
4.91%
46.67%
Dépenses d'exploitation en % PNB
Productivité par employé
49.15%
60.71%
105.43%
14.10%
54.52%
68.87%
72.15%
215.41%
80.74%
ROA
2.33%
1.39%
-0.68%
17.28%
2.70%
0.53%
1.15%
0.60%
0.78%
ROE
30.12%
16.56%
9.49%
193.28%
25.99%
7.63%
15.49%
7.04%
9.68%
Rev. nets d'intérêts en % des rev. d'intérêts
81.55%
88.25%
79.34%
69.56%
79.58%
82.19%
81.80%
36.89%
92.29%
Rendement moyen des prêts
9.03%
7.99%
2.08%
9.96%
15.68%
8.90%
8.23%
4.54%
22.55%
Rémunération moyenne des dépôts
0.73%
0.66%
1.00%
1.46%
1.30%
0.66%
0.50%
2.39%
0.05%
Liquidité en % de l'actif
55.61%
58.3%
66.2%
58.1%
54.5%
52.4%
56.9%
16.9%
93.2%
Liquidité en % des dépôts
68.73%
77.24%
80.25%
74.10%
69.29%
64.78%
66.03%
25.80%
124.74%
Nombre de compte de prêts
89,143.0
30,340
254
788
4,399
36,579
16,335
447
1
Nombre de compte de dépôts
2,653,646
527,657
15,899
89,287
97,454
594,497
1,319,754
7,906
1,192
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,786
776
137
470
813
1,175
1,316
75
24
Actif Total du système (en milliers de gourdes)
528,140,362.2
105,039,572.0
4,799,141.1
40,128,468.0
39,432,675.0
141,456,119.9
181,203,393.1
10,095,190.1
5,985,803.0
Portefeuille brut du système (en milliers de gourdes)
137,856,706.6
27,694,530.0
1,254,170.4
14,137,886.6
12,239,786.0
37,145,949.2
40,288,634.0
4,999,083.3
96,667.0
Portefeuille net du système (en milliers de gourdes)
129,891,098.7
24,515,086.0
303,097.2
13,473,765.8
12,002,839.0
35,232,727.5
39,457,365.5
4,809,550.7
96,667.0
Dépôts Totaux du système ('000gdes)
427,357,029.0
79,309,218.0
3,960,174.3
31,437,639.1
31,011,842.0
114,396,420.9
156,166,258.8
6,604,818.9
4,470,657.0
Portefeuille net devises converties du système ('000gdes)
58,807,819.5
4,727,106.0
583,509.4
5,229,056.8
6,522,694.0
15,194,448.9
24,306,582.7
2,244,421.6
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)
598,184.5
154,555.7
247,243.0
19.3%
192.5%
38.8%
54.3%
43.1%
61.6%
46.7%
0.0%
282,989,601.0
36,530,869.0
2,343,712.0
21,471,634.6
23,740,245.0
77,592,853.8
112,607,350.5
5,127,302.1
3,575,634.0
2,878,528.8
371,586.6
23,839.9
218,406.3
241,482.3
789,263.1
1,145,425.5
52,154.2
36,370.8
45.3%
48,083.4
5,935.4
53,189.2
66,347.9
-
22,829.9
-
46.1%
59.2%
68.3%
76.6%
67.8%
72.1%
77.6%
80.0%
302,933,950.9
40,267,026.0
2,450,276.9
23,239,052.7
25,563,258.0
83,808,405.7
117,777,768.6
5,575,589.0
4,252,574.0
3,081,399.8
409,590.3
24,923.9
236,384.2
260,025.7
852,486.8
1,198,018.2
56,714.1
43,256.6
57.9%
64.8%
59.2%
65.0%
66.2%
Pourcentage Actif Devises par rapport Actif Total
57.4%
Taux de Référence
98.3105
38.3%
51.1%
55.2%
71.0%