(2022-04) CAMEL Banking Soundness Report, April 2022
Summary — The banking system at April 2022: shareholders' equity 7.43% of assets, non-performing loans 7.85% of gross loans, return on assets 1.86%. 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: 7.43%.
- Non-performing loans as a share of gross loans: 7.85%.
- Provisions as a share of gross non-performing loans: 79.27%.
- Return on assets: 1.86%.
- Return on equity: 24.49%.
- Liquidity as a share of assets: 53.63%.
- Foreign-currency deposits as a share of total deposits: 66.9%.
- Total assets of the banking system: 555.9 billion gourdes.
- Employees: 4,787.
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 30 Avril 2022
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
32.87%
31.46%
-82.54%
31.30%
28.51%
43.34%
22.79%
72.42%
Avoir des Actionnaires en % de l'Actif
7.43%
8.49%
-5.59%
7.97%
10.05%
6.46%
7.19%
7.87%
57.62%
8.71%
Dépôts en % de l'actif
81.45%
75.70%
81.01%
81.41%
79.97%
81.67%
85.76%
68.29%
75.00%
Prêts improductifs en % prêts bruts
7.85%
21.86%
85.79%
16.21%
0.62%
3.65%
0.13%
4.97%
-
Prov. Pr créances dout. En % prêts impr. Bruts
79.27%
60.70%
87.89%
49.44%
317.34%
142.22%
1273.83%
77.20%
-
Prêts impr. Nets en % de l'avoir des actionnaires
5.71%
24.57%
-44.82%
40.24%
-3.88%
-6.61%
-4.62%
6.55%
-
Commissions / salaires
75.72%
40.88%
9.39%
51.72%
133.24%
108.05%
75.81%
20.56%
39.30%
Dépenses d'exploitation en % PNB
Productivité par employé
56.51%
66.28%
117.09%
82.42%
50.96%
52.80%
48.64%
64.12%
253.27%
ROA
1.86%
0.84%
-1.41%
0.70%
3.88%
1.44%
2.81%
0.94%
-2.76%
ROE
24.49%
9.69%
25.17%
8.81%
38.95%
22.05%
37.54%
12.01%
-32.30%
Rev. nets d'intérêts en % des rev. d'intérêts
81.57%
87.09%
79.36%
75.55%
78.37%
85.42%
78.00%
71.10%
87.15%
Rendement moyen des prêts
9.17%
5.40%
1.54%
11.46%
15.31%
10.19%
8.03%
10.27%
24.36%
Rémunération moyenne des dépôts
0.74%
0.61%
0.95%
1.44%
1.25%
0.62%
0.60%
2.17%
0.08%
Liquidité en % de l'actif
53.63%
60.27%
69.75%
45.30%
56.46%
44.94%
58.02%
17.91%
92.83%
Liquidité en % des dépôts
65.84%
79.62%
86.10%
55.64%
70.60%
55.03%
67.65%
26.22%
123.77%
Nombre de compte de prêts
84,716.0
29,733
250
757
4,646
34,377
14,511
441
1
Nombre de compte de dépôts
2,663,001
545,928
16,369
98,402
106,814
620,483
1,265,710
8,134
1,161
Nombre de succursales et Points de services Actifs
195
39
4
24
25
45
53
4
1
4,787
749
130
478
804
1,194
1,336
74
22
Actif Total du système (en milliers de gourdes)
555,869,246.4
109,355,111.0
5,381,467.2
41,330,434.2
42,556,366.0
145,697,915.1
195,389,753.0
10,885,185.9
5,273,014.0
Portefeuille brut du système (en milliers de gourdes)
145,014,659.0
26,559,602.0
1,297,762.8
16,164,720.0
12,284,836.0
40,349,806.9
43,301,264.9
4,959,999.4
96,667.0
Portefeuille net du système (en milliers de gourdes)
135,985,377.8
23,034,821.0
319,244.4
14,869,350.6
12,042,577.0
38,256,294.6
42,596,562.3
4,769,861.0
96,667.0
Dépôts Totaux du système ('000gdes)
452,766,077.1
82,776,433.0
4,359,519.6
33,646,761.1
34,031,892.0
118,990,860.2
167,572,126.4
7,433,544.7
3,954,940.0
Portefeuille net devises converties du système ('000gdes)
66,138,614.2
4,766,871.0
615,920.0
6,402,634.9
7,168,098.0
18,079,491.7
26,868,593.4
2,237,005.1
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
617,492.3
168,796.2
250,854.2
20.7%
192.9%
43.1%
59.5%
47.3%
63.1%
46.9%
0.0%
302,858,142.8
38,409,663.0
2,527,241.0
23,069,583.5
25,127,631.0
81,858,374.6
123,264,664.8
5,820,528.9
2,780,456.0
2,827,585.4
358,605.5
23,595.2
215,385.4
234,600.0
764,257.3
1,150,840.3
54,342.4
25,959.3
48.6%
44,505.1
5,750.4
59,777.2
66,923.8
-
20,885.4
-
46.4%
58.0%
68.6%
73.8%
68.8%
73.6%
78.3%
70.3%
323,615,617.3
41,990,849.0
2,645,500.2
24,426,314.4
27,184,622.0
88,304,082.0
129,425,117.3
6,252,664.4
3,386,468.0
3,021,384.1
392,040.7
24,699.3
228,052.3
253,804.8
824,436.6
1,208,356.4
58,377.0
31,617.2
59.1%
63.9%
60.6%
66.2%
66.9%
58.2%
107.1084
38.4%
49.2%
57.4%
64.2%