(2023-02) CAMEL Banking Soundness Report, February 2023
Summary — The banking system at February 2023: shareholders' equity 7.34% of assets, non-performing loans 10.88% of gross loans, return on assets 1.62%. 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: 7.34%.
- Non-performing loans as a share of gross loans: 10.88%.
- Provisions as a share of gross non-performing loans: 60.27%.
- Return on assets: 1.62%.
- Return on equity: 22.18%.
- Liquidity as a share of assets: 52.20%.
- Foreign-currency deposits as a share of total deposits: 72.3%.
- Total assets of the banking system: 693.0 billion gourdes.
- Employees: 4,856.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 28 Fevrier 2023
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
28.08%
29.48%
-67.80%
35.54%
29.46%
36.14%
17.40%
57.57%
Avoir des Actionnaires en % de l'Actif
7.34%
8.41%
-6.08%
6.32%
8.95%
6.26%
7.74%
7.28%
55.83%
7.71%
Dépôts en % de l'actif
82.39%
78.75%
85.48%
82.99%
80.78%
82.92%
84.69%
71.58%
74.77%
Prêts improductifs en % prêts bruts
10.88%
32.69%
88.88%
23.00%
1.36%
9.52%
0.26%
9.34%
-
Prov. Pr créances dout. En % prêts impr. Bruts
60.27%
49.68%
79.40%
27.74%
220.96%
76.83%
671.17%
46.73%
-
Prêts impr. Nets en % de l'avoir des actionnaires
14.39%
36.33%
-78.40%
95.40%
-5.40%
8.75%
-4.47%
30.55%
-
Commissions / salaires
64.23%
37.30%
9.34%
69.09%
122.00%
77.57%
64.00%
19.28%
72.30%
Dépenses d'exploitation en % PNB
Productivité par employé
60.20%
73.40%
134.80%
73.64%
56.97%
72.19%
47.57%
55.50%
47.22%
ROA
1.62%
1.29%
-1.59%
1.09%
3.06%
0.09%
2.73%
1.40%
2.46%
ROE
22.18%
15.45%
-26.41%
17.61%
34.04%
1.40%
35.52%
18.65%
31.28%
Rev. nets d'intérêts en % des rev. d'intérêts
84.93%
89.54%
80.64%
74.23%
83.85%
84.58%
85.95%
76.03%
93.73%
Rendement moyen des prêts
9.84%
8.56%
1.86%
9.43%
14.04%
10.57%
8.94%
9.58%
22.73%
Rémunération moyenne des dépôts
0.66%
0.60%
0.81%
1.23%
0.96%
0.64%
0.49%
1.85%
0.09%
Liquidité en % de l'actif
52.20%
63.05%
63.36%
46.11%
56.54%
45.59%
52.27%
18.93%
92.55%
Liquidité en % des dépôts
63.35%
80.07%
74.13%
55.57%
69.99%
54.98%
61.73%
26.44%
123.78%
Nombre de compte de prêts
74,801.0
31,094
193
621
4,583
26,726
11,151
432
1
Nombre de compte de dépôts
2,786,305
555,942
16,875
101,618
123,849
671,552
1,307,162
8,170
1,137
Nombre de succursales et Points de services Actifs
195
39
4
24
25
45
53
4
1
4,856
855
127
479
818
1,146
1,339
72
20
Actif Total du système (en milliers de gourdes)
692,978,677.6
124,989,544.0
6,018,593.0
51,370,502.4
55,450,741.0
178,871,809.0
256,944,592.8
13,171,898.5
6,160,997.0
Portefeuille brut du système (en milliers de gourdes)
169,413,946.7
23,218,321.0
1,565,607.3
18,654,200.2
16,270,478.0
44,450,998.1
59,273,565.3
5,884,109.8
96,667.0
Portefeuille net du système (en milliers de gourdes)
158,307,536.7
19,447,898.0
460,753.5
17,464,191.6
15,780,778.0
41,199,921.4
58,230,141.5
5,627,185.6
96,667.0
Dépôts Totaux du système ('000gdes)
570,943,577.0
98,423,922.0
5,144,458.7
42,630,776.8
44,795,879.0
148,318,119.5
217,595,130.2
9,428,527.8
4,606,763.0
Portefeuille net devises converties du système ('000gdes)
91,910,028.7
5,246,389.0
762,595.7
9,211,464.7
10,247,848.0
23,839,705.4
39,416,239.3
3,185,786.6
613,618.4
35,026.4
5,091.3
61,498.4
68,417.6
159,160.9
263,154.4
21,269.2
58.1%
27.0%
165.5%
52.7%
64.9%
57.9%
67.7%
56.6%
0.0%
413,043,821.5
50,532,884.0
3,305,468.3
32,438,075.9
32,835,457.0
110,935,860.1
171,815,369.8
7,654,172.4
3,526,534.0
2,757,601.9
337,372.4
22,068.3
216,566.1
219,219.2
740,640.4
1,147,089.9
51,101.5
23,544.2
72.3%
51.3%
64.3%
76.1%
73.3%
74.8%
79.0%
81.2%
76.6%
441,645,935.3
55,643,876.0
3,372,249.3
34,432,592.6
36,060,944.0
119,465,055.9
180,033,802.5
8,280,527.9
4,356,887.0
2,948,558.1
371,494.9
22,514.1
229,882.1
240,753.5
797,583.8
1,201,958.6
55,283.2
29,087.9
63.7%
44.5%
56.0%
67.0%
65.0%
66.8%
70.1%
62.9%
70.7%
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
149.7837
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