(2023-01) CAMEL Banking Soundness Report, January 2023
Summary — The banking system at January 2023: shareholders' equity 7.24% of assets, non-performing loans 11.40% of gross loans, return on assets 1.96%. 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: 7.24%.
- Non-performing loans as a share of gross loans: 11.40%.
- Provisions as a share of gross non-performing loans: 55.60%.
- Return on assets: 1.96%.
- Return on equity: 27.20%.
- Liquidity as a share of assets: 51.87%.
- Foreign-currency deposits as a share of total deposits: 71.2%.
- Total assets of the banking system: 692.3 billion gourdes.
- Employees: 4,872.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Janvier 2023
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
28.21%
29.58%
-69.35%
36.65%
29.27%
35.69%
17.55%
54.46%
Avoir des Actionnaires en % de l'Actif
7.24%
8.30%
-5.95%
6.03%
9.03%
6.17%
7.64%
7.68%
57.78%
8.06%
Dépôts en % de l'actif
82.80%
78.68%
85.70%
83.43%
81.00%
83.09%
85.60%
71.65%
76.37%
Prêts improductifs en % prêts bruts
11.40%
32.70%
90.57%
20.48%
1.40%
10.82%
1.11%
8.65%
-
Prov. Pr créances dout. En % prêts impr. Bruts
55.60%
47.86%
78.51%
30.47%
204.90%
61.42%
154.58%
50.05%
-
Prêts impr. Nets en % de l'avoir des actionnaires
17.50%
39.51%
-84.13%
86.23%
-5.03%
17.83%
-1.82%
24.79%
-
Commissions / salaires
69.87%
37.94%
7.76%
53.48%
91.53%
90.65%
85.87%
12.43%
51.05%
Dépenses d'exploitation en % PNB
Productivité par employé
54.83%
71.59%
100.52%
79.25%
59.18%
56.04%
41.73%
61.09%
76.05%
ROA
1.96%
1.25%
-0.61%
0.60%
2.67%
1.04%
3.22%
1.29%
1.00%
ROE
27.20%
15.35%
-10.40%
9.62%
29.64%
16.96%
42.51%
16.77%
13.01%
Rev. nets d'intérêts en % des rev. d'intérêts
84.46%
88.50%
81.24%
77.65%
80.86%
84.66%
85.19%
76.76%
94.39%
Rendement moyen des prêts
9.76%
6.65%
1.38%
10.43%
13.40%
10.25%
9.61%
9.92%
25.16%
Rémunération moyenne des dépôts
0.70%
0.65%
0.83%
1.16%
1.11%
0.65%
0.55%
1.84%
0.10%
Liquidité en % de l'actif
51.87%
61.96%
63.88%
46.39%
55.06%
44.51%
53.14%
19.96%
92.76%
Liquidité en % des dépôts
62.65%
78.75%
74.54%
55.60%
67.98%
53.57%
62.07%
27.85%
125.43%
Nombre de compte de prêts
75,252.0
30,661
192
628
4,588
27,360
11,389
433
1
Nombre de compte de dépôts
2,785,125
556,426
16,837
108,054
122,593
667,679
1,304,254
8,117
1,165
Nombre de succursales et Points de services Actifs
195
39
4
24
25
45
53
4
1
4,872
861
127
481
814
1,152
1,344
73
20
Actif Total du système (en milliers de gourdes)
692,315,242.8
125,064,658.0
6,015,840.5
51,864,726.3
53,695,700.0
183,869,797.9
252,846,842.8
13,215,924.3
5,741,753.0
Portefeuille brut du système (en milliers de gourdes)
173,375,872.5
24,041,392.0
1,545,961.2
18,942,383.5
16,566,624.0
48,460,036.1
57,898,889.6
5,823,919.1
96,667.0
Portefeuille net du système (en milliers de gourdes)
162,386,417.9
20,278,510.0
446,785.0
17,760,501.0
16,090,167.0
45,238,685.0
56,903,333.6
5,571,769.4
96,667.0
Dépôts Totaux du système ('000gdes)
573,251,963.9
98,403,686.0
5,155,369.9
43,273,072.7
43,492,795.0
152,771,118.1
216,440,465.2
9,469,346.1
4,246,111.0
Portefeuille net devises converties du système ('000gdes)
94,603,832.0
5,966,185.0
759,007.4
9,699,773.8
10,600,511.0
26,067,766.1
38,398,980.8
3,111,607.8
638,427.4
40,262.4
5,122.1
65,458.3
71,536.8
175,916.5
259,132.9
20,998.5
58.3%
29.4%
169.9%
54.6%
65.9%
57.6%
67.5%
55.8%
0.0%
407,890,312.2
49,532,520.0
3,302,816.8
31,871,823.7
31,410,875.0
110,970,438.3
170,057,621.2
7,729,312.2
3,014,905.0
2,752,619.5
334,266.8
22,288.8
215,084.8
211,974.1
748,876.3
1,147,622.1
52,160.7
20,345.9
71.2%
50.3%
64.1%
73.7%
72.2%
72.6%
78.6%
81.6%
71.0%
438,237,517.2
54,687,181.0
3,373,190.0
34,469,651.2
34,411,536.0
120,674,159.4
178,449,018.6
8,342,914.0
3,829,867.0
2,957,415.5
369,052.6
22,763.7
232,616.1
232,223.9
814,361.2
1,204,250.8
56,301.6
25,845.6
63.3%
43.7%
56.1%
66.5%
64.1%
65.6%
70.6%
63.1%
66.7%
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
148.1826
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