(2023-03) CAMEL Banking Soundness Report, March 2023
Summary — The banking system at March 2023: shareholders' equity 7.31% of assets, non-performing loans 11.13% 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: 7.31%.
- Non-performing loans as a share of gross loans: 11.13%.
- Provisions as a share of gross non-performing loans: 59.60%.
- Return on assets: 1.62%.
- Return on equity: 22.05%.
- Liquidity as a share of assets: 52.53%.
- Foreign-currency deposits as a share of total deposits: 72.73%.
- Total assets of the banking system: 700.5 billion gourdes.
- Employees: 4,814.00.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
AU 31 mars 2023
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
28.10%
30.13%
-71.80%
35.06%
31.05%
37.23%
16.85%
56.48%
Avoir des Actionnaires en % de l'Actif
7.31%
8.38%
-5.91%
6.17%
8.75%
6.04%
7.88%
7.51%
54.98%
7.96%
Dépôts en % de l'actif
82.43%
78.61%
85.32%
83.28%
81.18%
82.86%
84.76%
71.10%
73.50%
Prêts improductifs en % prêts bruts
11.13%
32.29%
89.90%
22.90%
0.93%
10.72%
0.23%
7.59%
0.00%
Prov. Pr créances dout. En % prêts impr. Bruts
59.60%
48.63%
78.93%
31.08%
303.77%
67.80%
797.25%
58.47%
-
Prêts impr. Nets en % de l'avoir des actionnaires
15.01%
38.07%
-86.24%
91.19%
-6.59%
14.30%
-4.63%
19.05%
0.00%
Commissions / salaires
74.27%
32.43%
9.95%
76.65%
133.48%
111.47%
67.76%
12.20%
-213.57%
Dépenses d'exploitation en % PNB
Productivité par employé
60.34%
76.17%
103.22%
61.37%
62.48%
62.96%
50.47%
50.05%
87.06%
0.60%
ROA
1.62%
1.23%
-0.73%
1.85%
2.35%
0.66%
2.34%
1.66%
ROE
22.05%
14.65%
-12.23%
29.70%
26.61%
10.77%
29.90%
22.47%
7.62%
Rev. nets d'intérêts en % des rev. d'intérêts
83.65%
89.79%
81.48%
63.34%
82.98%
82.34%
84.48%
78.02%
93.18%
Rendement moyen des prêts
10.21%
9.87%
1.41%
6.62%
14.03%
10.67%
10.08%
12.13%
25.16%
Rémunération moyenne des dépôts
0.76%
0.66%
0.85%
1.34%
1.00%
0.74%
0.62%
2.11%
0.10%
Liquidité en % de l'actif
52.53%
61.81%
63.05%
46.15%
54.74%
46.63%
53.47%
18.88%
93.36%
Liquidité en % des dépôts
63.72%
78.63%
73.90%
55.42%
67.43%
56.28%
63.09%
26.55%
127.01%
Nombre de compte de prêts
Nombre de compte de dépôts
72,619.00
30,560.00
191.00
618.00
4,315.00
25,849.00
10,658.00
427.00
1.00
2,790,078.00
550,112.00
16,932.00
101,636.00
125,263.00
677,042.00
1,309,879.00
8,110.00
1,104.00
202.00
40.00
6.00
24.00
25.00
40.00
62.00
4.00
1.00
4,814.00
842.00
127.00
480.00
798.00
1,141.00
1,335.00
71.00
20.00
Actif Total du système (en milliers de gourdes)
700,479,974.48
125,457,686.00
5,840,463.38
51,638,244.07
54,378,964.00
181,715,415.54
262,432,974.87
13,013,012.62
6,003,214.00
Portefeuille brut du système (en milliers de gourdes)
170,921,003.59
24,123,925.00
1,570,392.79
18,404,441.47
16,539,858.00
45,495,817.39
58,786,577.74
5,903,324.20
96,667.00
Portefeuille net du système (en milliers de gourdes)
159,578,700.79
20,335,518.00
456,077.34
17,094,592.78
16,072,830.00
42,190,618.89
57,691,121.16
5,641,275.62
96,667.00
Dépôts Totaux du système ('000gdes)
577,435,063.02
98,624,696.00
4,982,859.94
43,003,515.40
44,146,132.00
150,572,362.04
222,440,542.81
9,252,593.83
4,412,361.00
Portefeuille net devises converties du système ('000gdes)
92,724,052.44
6,221,404.00
779,353.12
9,015,851.73
10,564,592.00
23,488,674.75
39,411,285.16
3,242,891.67
603,664.75
40,503.43
5,073.85
58,696.23
68,779.05
152,919.17
256,580.71
21,112.31
58.11%
30.59%
170.88%
52.74%
65.73%
55.67%
68.31%
57.49%
0.00%
419,973,442.25
50,907,389.00
3,120,469.28
32,124,345.82
32,922,100.00
113,567,580.46
175,969,281.40
7,530,227.30
3,832,049.00
2,734,168.28
331,424.21
20,315.30
209,140.29
214,333.94
739,363.12
1,145,619.17
49,024.31
24,947.93
Nombre de succursales et Points de services Actifs
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
-
72.73%
51.62%
62.62%
74.70%
74.58%
75.42%
79.11%
81.39%
86.85%
449,785,533.90
56,079,957.00
3,198,860.83
34,090,684.89
35,862,464.00
123,522,834.42
184,129,463.95
8,180,006.81
4,721,262.00
2,928,255.01
365,099.37
20,825.66
221,941.82
233,476.70
804,175.17
1,198,744.70
53,254.59
30,737.00
64.21%
44.70%
54.77%
66.02%
65.95%
67.98%
70.16%
62.86%
78.65%
153.6019
153.6
153.6
153.6
153.6
153.6
153.6
153.6
153.6