(2022-10) CAMEL Banking Soundness Report, October 2022
Summary — The banking system at October 2022: shareholders' equity 7.25% of assets, non-performing loans 8.96% of gross loans, return on assets 1.55%. 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: 7.25%.
- Non-performing loans as a share of gross loans: 8.96%.
- Provisions as a share of gross non-performing loans: 66.61%.
- Return on assets: 1.55%.
- Return on equity: 21.13%.
- Liquidity as a share of assets: 53.27%.
- Foreign-currency deposits as a share of total deposits: 69.2%.
- Total assets of the banking system: 639.1 billion gourdes.
- Employees: 4,916.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Octobre 2022
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
30.16%
29.69%
-70.68%
33.69%
29.60%
40.03%
19.55%
57.82%
Avoir des Actionnaires en % de l'Actif
7.25%
8.00%
-6.13%
7.16%
9.96%
6.08%
7.42%
7.77%
58.26%
8.44%
Dépôts en % de l'actif
82.20%
75.72%
83.55%
84.47%
79.68%
82.66%
86.38%
69.68%
70.96%
Prêts improductifs en % prêts bruts
8.96%
24.43%
88.97%
18.66%
1.31%
7.28%
0.19%
9.47%
-
Prov. Pr créances dout. En % prêts impr. Bruts
66.61%
58.04%
84.22%
24.42%
202.07%
89.93%
767.96%
42.96%
-
Prêts impr. Nets en % de l'avoir des actionnaires
10.60%
26.46%
-55.98%
68.95%
-4.38%
3.18%
-4.09%
30.69%
-
Commissions / salaires
54.66%
20.79%
8.22%
44.75%
94.77%
75.00%
68.10%
8.95%
51.05%
Dépenses d'exploitation en % PNB
Productivité par employé
52.46%
65.34%
95.40%
94.11%
48.96%
45.26%
43.50%
133.96%
202.20%
ROA
1.55%
1.56%
-0.48%
0.13%
2.32%
0.74%
2.50%
0.35%
-3.62%
ROE
21.13%
19.27%
7.74%
1.81%
23.00%
12.14%
33.44%
4.40%
-43.17%
Rev. nets d'intérêts en % des rev. d'intérêts
85.84%
88.88%
81.68%
66.77%
81.94%
89.23%
86.92%
60.42%
83.72%
Rendement moyen des prêts
10.29%
5.85%
1.45%
7.45%
14.16%
14.97%
9.13%
4.88%
25.16%
Rémunération moyenne des dépôts
0.65%
0.59%
0.88%
1.24%
1.12%
0.62%
0.44%
1.97%
0.10%
Liquidité en % de l'actif
53.27%
64.18%
68.81%
48.06%
51.78%
45.73%
54.62%
20.89%
92.74%
Liquidité en % des dépôts
64.80%
84.76%
82.36%
56.89%
64.99%
55.33%
63.23%
29.99%
130.69%
Nombre de compte de prêts
78,199.0
29,018
198
754
4,765
30,222
12,803
438
1
Nombre de compte de dépôts
2,752,246
553,457
16,645
104,664
117,304
652,913
1,297,832
8,247
1,184
Nombre de succursales et Points de services Actifs
195
39
4
24
25
45
53
4
1
4,916
857
130
490
813
1,170
1,359
76
21
Actif Total du système (en milliers de gourdes)
639,140,943.6
124,998,120.0
5,767,070.6
47,572,053.6
47,910,781.0
167,095,103.5
228,109,636.6
12,295,209.3
5,392,969.0
Portefeuille brut du système (en milliers de gourdes)
164,119,104.1
25,823,110.0
1,408,307.2
16,661,466.0
15,620,302.0
44,077,385.1
55,000,694.8
5,431,172.0
96,667.0
Portefeuille net du système (en milliers de gourdes)
154,327,158.7
22,161,694.0
353,063.9
15,902,130.2
15,206,786.0
41,191,705.0
54,204,889.1
5,210,223.6
96,667.0
Dépôts Totaux du système ('000gdes)
525,384,801.9
94,652,491.0
4,818,486.1
40,185,325.9
38,174,244.0
138,125,200.0
197,034,743.3
8,567,253.5
3,827,058.0
Portefeuille net devises converties du système ('000gdes)
80,888,888.9
4,948,394.0
656,453.6
7,311,125.3
8,963,122.0
21,097,751.4
35,196,972.7
2,715,069.9
638,727.9
39,074.3
5,183.6
57,731.3
70,776.1
166,595.5
277,928.0
21,439.2
-
52.4%
22.33%
185.93%
45.98%
58.94%
51.22%
64.93%
52.11%
0.00%
363,524,110.7
45,391,480.0
2,994,209.3
29,079,368.1
28,427,420.0
97,372,248.0
150,633,968.9
6,845,412.4
2,780,004.0
2,870,517.9
358,427.6
23,643.4
229,621.2
224,473.2
768,886.5
1,189,460.3
54,053.9
21,951.9
69.2%
48.0%
62.1%
72.4%
74.5%
70.5%
76.5%
79.9%
72.6%
388,701,771.2
49,785,247.0
3,052,181.2
30,591,768.6
31,141,193.0
105,108,709.3
157,954,686.9
7,402,059.3
3,665,926.0
3,069,329.8
393,122.3
24,101.1
241,563.7
245,902.1
829,976.4
1,247,267.4
58,449.3
28,947.5
60.8%
39.8%
52.9%
64.3%
65.0%
62.9%
69.2%
60.2%
68.0%
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
126.6406
-