(2022-01) CAMEL Banking Soundness Report, January 2022
Summary — The banking system at January 2022: shareholders' equity 8.01% of assets, non-performing loans 6.80% of gross loans, return on assets 1.22%. 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: 8.01%.
- Non-performing loans as a share of gross loans: 6.80%.
- Provisions as a share of gross non-performing loans: 91.15%.
- Return on assets: 1.22%.
- Return on equity: 15.30%.
- Liquidity as a share of assets: 57.67%.
- Foreign-currency deposits as a share of total deposits: 65.4%.
- Total assets of the banking system: 537.1 billion gourdes.
- Employees: 4,771.
Full Document Text
Extracted text from the original document for search indexing.
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Janvier 2022
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
31.38%
31.91%
-85.40%
30.40%
26.81%
38.56%
21.76%
65.23%
Avoir des Actionnaires en % de l'Actif
8.01%
8.74%
-5.34%
8.63%
10.81%
7.53%
7.55%
8.95%
56.53%
8.21%
Dépôts en % de l'actif
81.10%
75.23%
80.41%
80.98%
79.49%
80.07%
86.57%
66.47%
77.55%
Prêts improductifs en % prêts bruts
6.80%
20.68%
86.82%
8.99%
0.54%
2.86%
0.14%
5.12%
-
Prov. Pr créances dout. En % prêts impr. Bruts
91.15%
61.72%
87.30%
84.32%
356.07%
174.69%
1392.14%
71.09%
-
Prêts impr. Nets en % de l'avoir des actionnaires
1.98%
23.13%
-47.95%
6.43%
-3.79%
-7.76%
-5.28%
7.57%
-
Commissions / salaires
62.04%
45.57%
10.04%
47.57%
102.32%
80.75%
60.20%
17.30%
33.92%
Dépenses d'exploitation en % PNB
Productivité par employé
67.97%
53.78%
95.40%
98.21%
58.50%
66.53%
74.28%
59.38%
124.89%
ROA
1.22%
2.01%
-0.52%
0.03%
3.13%
0.50%
1.27%
1.10%
-0.86%
ROE
15.30%
23.47%
8.20%
0.34%
28.84%
6.59%
16.84%
12.17%
-10.20%
Rev. nets d'intérêts en % des rev. d'intérêts
83.85%
90.30%
80.77%
70.11%
79.44%
85.07%
83.99%
70.64%
88.25%
Rendement moyen des prêts
10.17%
9.80%
1.72%
10.31%
15.85%
10.93%
8.20%
10.14%
25.16%
Rémunération moyenne des dépôts
0.72%
0.61%
0.94%
1.56%
1.29%
0.69%
0.45%
2.32%
0.07%
Liquidité en % de l'actif
57.67%
58.37%
71.77%
43.52%
54.75%
49.59%
67.66%
19.79%
93.37%
Liquidité en % des dépôts
71.10%
77.59%
89.25%
53.74%
68.88%
61.93%
78.16%
29.77%
120.40%
Nombre de compte de prêts
86,879.0
29,987
252
784
4,500
35,868
15,047
440
1
Nombre de compte de dépôts
2,623,837
523,675
16,208
93,706
101,754
609,144
1,270,219
7,971
1,160
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,771
761
130
482
802
1,183
1,311
77
25
Actif Total du système (en milliers de gourdes)
537,129,221.9
106,526,038.0
5,473,568.5
39,892,767.6
40,858,318.0
140,883,536.5
187,057,388.7
10,700,157.6
5,737,447.0
Portefeuille brut du système (en milliers de gourdes)
141,367,801.8
27,210,512.0
1,271,499.1
15,714,583.0
12,216,041.0
38,579,538.1
41,383,326.4
4,895,635.1
96,667.0
Portefeuille net du système (en milliers de gourdes)
132,600,031.8
23,737,275.0
307,790.9
14,523,732.2
11,983,180.0
36,654,224.7
40,579,676.1
4,717,485.8
96,667.0
Dépôts Totaux du système ('000gdes)
435,621,496.8
80,140,204.0
4,401,344.5
32,305,557.9
32,476,685.0
112,804,100.1
161,932,234.1
7,112,092.1
4,449,279.0
Portefeuille net devises converties du système ('000gdes)
62,654,846.8
3,001,755.0
590,996.6
6,462,646.2
6,840,120.0
16,910,126.2
26,670,770.2
2,178,432.7
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)
Pourcentage Actif Devises par rapport Actif Total
Taux de Référence
618,881.1
167,031.9
263,443.9
12.6%
192.0%
44.5%
57.1%
46.1%
65.7%
46.2%
0.0%
284,930,113.0
36,444,518.0
2,425,295.1
22,124,918.6
24,048,878.0
76,103,339.5
115,230,486.9
5,540,378.9
3,012,298.0
2,814,433.1
359,985.3
23,956.2
218,541.7
237,545.8
751,720.3
1,138,203.7
54,725.8
29,754.4
47.3%
29,650.2
5,837.6
63,835.6
67,564.1
-
21,517.7
-
45.5%
55.1%
68.5%
74.0%
67.5%
71.2%
77.9%
67.7%
302,410,254.5
38,247,971.0
2,635,093.3
23,295,037.4
25,894,390.0
82,421,937.9
120,387,179.3
5,982,429.7
3,546,216.0
2,987,095.4
377,799.2
26,028.5
230,099.7
255,775.1
814,133.1
1,189,139.5
59,092.2
35,028.2
58.4%
63.4%
58.5%
64.4%
65.4%
56.3%
101.2389
35.9%
48.1%
55.9%
61.8%