(2022-03) CAMEL Banking Soundness Report, March 2022
Summary — The banking system at March 2022: shareholders' equity 7.73% of assets, non-performing loans 7.82% of gross loans, return on assets 2.29%. 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: 7.73%.
- Non-performing loans as a share of gross loans: 7.82%.
- Provisions as a share of gross non-performing loans: 77.84%.
- Return on assets: 2.29%.
- Return on equity: 29.57%.
- Liquidity as a share of assets: 53.61%.
- Foreign-currency deposits as a share of total deposits: 66.3%.
- Total assets of the banking system: 549.9 billion gourdes.
- Employees: 4,800.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Mars 2022
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.26%
31.08%
-88.41%
31.36%
29.70%
43.67%
21.43%
73.30%
Avoir des Actionnaires en % de l'Actif
7.73%
8.81%
-5.61%
7.97%
9.85%
6.57%
7.76%
7.84%
56.48%
8.39%
Dépôts en % de l'actif
81.17%
74.69%
81.73%
81.62%
80.58%
81.96%
85.10%
68.21%
75.39%
Prêts improductifs en % prêts bruts
7.82%
21.12%
85.66%
16.85%
0.51%
3.85%
0.20%
4.95%
-
Prov. Pr créances dout. En % prêts impr. Bruts
77.84%
61.01%
88.68%
48.64%
353.74%
130.92%
776.95%
76.41%
-
Prêts impr. Nets en % de l'avoir des actionnaires
5.93%
23.30%
-42.15%
41.23%
-3.95%
-5.06%
-4.01%
6.76%
-
Commissions / salaires
69.89%
27.35%
15.91%
80.31%
115.44%
97.41%
73.52%
16.30%
48.81%
Dépenses d'exploitation en % PNB
Productivité par employé
58.13%
70.85%
79.46%
79.30%
52.38%
50.27%
54.37%
59.00%
127.08%
ROA
2.29%
1.33%
0.28%
1.77%
4.29%
1.96%
2.94%
1.22%
-0.76%
ROE
29.57%
14.96%
5.10%
20.95%
42.22%
30.44%
38.14%
15.64%
-8.99%
Rev. nets d'intérêts en % des rev. d'intérêts
82.79%
88.42%
81.63%
77.64%
78.47%
85.09%
80.80%
72.87%
86.19%
Rendement moyen des prêts
9.77%
7.09%
1.91%
12.35%
15.31%
9.94%
8.71%
11.21%
25.16%
Rémunération moyenne des dépôts
0.75%
0.62%
0.94%
1.48%
1.28%
0.63%
0.58%
2.22%
0.08%
Liquidité en % de l'actif
53.61%
59.17%
69.55%
45.36%
55.59%
45.10%
58.43%
17.81%
93.24%
Liquidité en % des dépôts
66.05%
79.22%
85.10%
55.57%
68.98%
55.02%
68.67%
26.11%
123.69%
Nombre de compte de prêts
85,101.0
29,419
250
774
4,545
35,088
14,587
437
1
Nombre de compte de dépôts
2,652,461
550,366
16,321
96,732
104,962
615,287
1,259,535
8,094
1,164
Nombre de succursales et Points de services Actifs
195
39
4
24
25
45
53
4
1
4,800
758
130
475
804
1,192
1,342
75
24
Actif Total du système (en milliers de gourdes)
549,919,725.0
108,598,831.0
5,250,467.4
40,997,435.5
42,014,928.0
141,929,874.3
194,686,132.8
10,819,637.1
5,622,419.0
Portefeuille brut du système (en milliers de gourdes)
145,297,598.5
27,085,375.0
1,280,897.4
15,570,542.2
12,722,948.0
39,667,745.5
43,960,853.4
4,912,570.0
96,667.0
Portefeuille net du système (en milliers de gourdes)
136,451,082.7
23,595,779.0
307,815.2
14,294,328.5
12,495,100.0
37,668,175.4
43,266,315.3
4,726,902.3
96,667.0
Dépôts Totaux du système ('000gdes)
446,346,715.8
81,112,625.0
4,291,179.5
33,463,493.5
33,857,128.0
116,331,027.7
165,673,025.9
7,379,714.3
4,238,522.0
Portefeuille net devises converties du système ('000gdes)
65,043,621.5
4,691,832.0
603,767.6
5,833,666.5
7,488,757.0
17,726,707.2
26,500,994.8
2,197,896.4
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)
621,166.8
169,290.1
253,084.6
19.9%
196.1%
40.8%
59.9%
47.1%
61.3%
46.5%
0.0%
296,103,006.9
37,594,493.0
2,479,083.3
23,168,416.2
24,736,364.0
79,620,536.4
119,911,855.0
5,803,973.0
2,788,286.0
2,827,784.8
359,027.6
23,675.3
221,258.5
236,232.4
760,376.4
1,145,158.7
55,428.0
26,628.1
47.7%
44,807.0
5,766.0
55,711.5
71,517.7
-
20,989.9
-
46.3%
57.8%
69.2%
73.1%
68.4%
72.4%
78.6%
65.8%
316,315,687.3
41,478,556.0
2,602,479.6
24,571,608.6
26,572,356.0
85,621,943.1
125,845,242.7
6,221,640.2
3,401,861.0
3,020,816.0
396,120.4
24,853.7
234,659.0
253,766.1
817,689.9
1,201,822.5
59,416.7
32,487.8
59.9%
63.2%
60.3%
64.6%
66.3%
Pourcentage Actif Devises par rapport Actif Total
57.5%
Taux de Référence
104.712
38.2%
49.6%
57.5%
60.5%