(2022-02) CAMEL Banking Soundness Report, February 2022
Summary — The banking system at February 2022: shareholders' equity 7.76% of assets, non-performing loans 7.66% of gross loans, return on assets 1.48%. 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: 7.76%.
- Non-performing loans as a share of gross loans: 7.66%.
- Provisions as a share of gross non-performing loans: 80.79%.
- Return on assets: 1.48%.
- Return on equity: 18.71%.
- Liquidity as a share of assets: 54.19%.
- Foreign-currency deposits as a share of total deposits: 66.0%.
- Total assets of the banking system: 540.3 billion gourdes.
- Employees: 4,770.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 28 Février 2022
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.29%
31.50%
-88.28%
29.25%
27.83%
45.02%
21.26%
74.44%
Avoir des Actionnaires en % de l'Actif
7.76%
9.00%
-5.51%
8.94%
10.49%
6.33%
7.64%
7.75%
56.11%
8.63%
Dépôts en % de l'actif
80.86%
75.79%
81.65%
80.55%
78.91%
80.85%
85.16%
67.41%
72.89%
Prêts improductifs en % prêts bruts
7.66%
22.27%
85.43%
15.49%
0.59%
3.32%
0.15%
6.34%
-
Prov. Pr créances dout. En % prêts impr. Bruts
80.79%
61.31%
89.11%
49.29%
326.69%
148.68%
1263.19%
58.43%
-
Prêts impr. Nets en % de l'avoir des actionnaires
5.04%
23.25%
-40.04%
34.62%
-3.88%
-7.18%
-5.24%
15.47%
-
Commissions / salaires
62.12%
29.86%
8.59%
83.06%
101.92%
84.90%
58.93%
14.45%
57.08%
Dépenses d'exploitation en % PNB
Productivité par employé
64.40%
66.51%
102.01%
79.87%
63.47%
65.32%
58.01%
71.06%
73.82%
ROA
1.48%
1.59%
-0.73%
0.86%
2.60%
0.60%
2.08%
0.66%
0.98%
ROE
18.71%
17.96%
-13.53%
9.81%
24.38%
8.66%
27.36%
7.88%
11.67%
Rev. nets d'intérêts en % des rev. d'intérêts
83.53%
89.34%
81.80%
76.22%
79.42%
85.26%
82.18%
70.51%
88.67%
Rendement moyen des prêts
9.27%
8.58%
2.51%
10.11%
14.71%
9.68%
7.54%
9.63%
22.73%
Rémunération moyenne des dépôts
0.67%
0.60%
0.90%
1.39%
1.17%
0.60%
0.45%
2.14%
0.06%
Liquidité en % de l'actif
54.19%
59.91%
70.60%
43.73%
54.85%
48.71%
57.70%
17.99%
93.10%
Liquidité en % des dépôts
67.02%
79.05%
86.47%
54.29%
69.51%
60.25%
67.76%
26.69%
127.72%
Nombre de compte de prêts
86,268.0
29,547
250
780
4,656
35,815
439
14,780
1
Nombre de compte de dépôts
2,624,670
538,460
16,269
95,095
103,101
610,314
8,018
1,252,253
1,160
Nombre de succursales et Points de services Actifs
193
39
4
23
24
45
53
4
1
4,770
763
130
484
800
1,172
75
1,322
24
Actif Total du système (en milliers de gourdes)
540,294,665.8
105,013,081.0
5,366,217.3
40,127,788.5
41,524,282.0
142,813,143.7
189,134,320.4
10,806,709.9
5,509,123.0
Portefeuille brut du système (en milliers de gourdes)
143,587,778.1
25,509,989.0
1,272,422.2
15,812,142.9
12,641,057.0
40,107,752.7
43,230,105.6
4,917,641.7
96,667.0
Portefeuille net du système (en milliers de gourdes)
134,699,649.9
22,027,468.0
303,823.9
14,604,553.2
12,397,340.0
38,126,997.1
42,407,297.8
4,735,502.9
96,667.0
Dépôts Totaux du système ('000gdes)
436,899,606.2
79,592,437.0
4,381,715.2
32,322,448.7
32,767,405.0
115,464,355.7
161,070,428.2
7,285,121.4
4,015,695.0
Portefeuille net devises converties du système ('000gdes)
63,846,035.9
3,067,012.0
598,223.1
6,075,831.9
6,990,586.0
17,862,515.2
27,062,956.2
2,188,911.4
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)
618,603.2
173,069.6
262,212.5
13.9%
196.9%
41.6%
56.4%
46.9%
63.8%
46.2%
0.0%
288,280,726.7
36,812,151.0
2,482,679.7
22,294,155.1
24,385,232.0
77,682,280.3
116,208,474.4
5,666,240.2
2,749,514.0
2,793,147.2
356,672.3
24,054.6
216,007.7
236,268.1
752,662.3
1,125,942.0
54,900.1
26,640.0
47.4%
29,716.2
5,796.2
58,868.6
67,731.7
-
21,208.3
-
46.3%
56.7%
69.0%
74.4%
67.3%
72.1%
77.8%
68.5%
307,842,762.1
38,941,995.0
2,588,665.0
23,579,749.0
26,410,363.0
84,682,150.9
6,112,876.0
122,005,673.1
3,521,290.0
2,982,683.5
377,308.4
25,081.5
228,463.8
255,889.6
820,484.0
59,227.6
1,182,111.0
34,117.7
58.8%
63.6%
59.3%
66.0%
Pourcentage Actif Devises par rapport Actif Total
57.0%
Taux de Référence
103.21
37.1%
48.2%
3.2%
1129.0%
63.9%