(2024-07) CAMEL Banking Soundness Report, July 2024
Summary — The banking system at July 2024: shareholders' equity 8.27% of assets, non-performing loans 13.13% of gross loans, return on assets 1.19%. 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: 8.27%.
- Non-performing loans as a share of gross loans: 13.13%.
- Provisions as a share of gross non-performing loans: 60.44%.
- Return on assets: 1.19%.
- Return on equity: 14.43%.
- Liquidity as a share of assets: 55.33%.
- Foreign-currency deposits as a share of total deposits: 67.56%.
- Total assets of the banking system: 645.3 billion gourdes.
- Employees: 4,832.00.
Full Document Text
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SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
Au 31 Juillet 24
SYSTÈME
C
A
M
E
L
BNC
BPH
BUH
CAPITALBK
SOGEBK
UNIBNK
SOGEBL
CBNA
Immobilisations/avoir des actionnaires
40.97%
22.70%
-64.06%
157.69%
34.38%
54.92%
23.19%
56.31%
38.89%
Avoir des Actionnaires en % de l'Actif
8.27%
10.62%
-10.29%
7.03%
10.08%
6.88%
8.16%
9.16%
14.78%
Dépôts en % de l'actif
82.02%
77.22%
84.03%
80.88%
78.46%
84.22%
84.79%
67.52%
71.40%
Prêts improductifs en % prêts bruts
13.13%
45.97%
93.73%
3.33%
4.21%
11.50%
0.70%
10.48%
0.00%
Prov. Pr créances dout. En % prêts impr. Bruts
60.44%
38.84%
91.59%
73.83%
81.59%
76.36%
409.71%
54.46%
-
Prêts impr. Nets en % de l'avoir des actionnaires
12.31%
47.23%
-19.00%
3.32%
1.73%
7.71%
-4.66%
22.81%
0.00%
Commissions / salaires
77.17%
36.35%
14.00%
74.98%
102.31%
109.98%
75.81%
20.77%
96.21%
Dépenses d'exploitation en % PNB
Productivité par employé
68.24%
68.69%
440.46%
104.49%
67.66%
69.54%
61.01%
56.58%
57.58%
ROA
1.19%
1.24%
-3.56%
-0.16%
2.43%
0.77%
1.52%
1.15%
2.41%
ROE
14.43%
11.72%
-35.68%
-2.25%
24.18%
11.26%
18.85%
12.56%
17.93%
Rev. nets d'intérêts en % des rev. d'intérêts
83.68%
89.53%
21.80%
70.17%
76.49%
81.45%
86.84%
73.51%
99.72%
Rendement moyen des prêts
11.10%
7.84%
0.82%
10.23%
16.08%
9.41%
13.38%
10.12%
26.76%
Rémunération moyenne des dépôts
0.79%
0.70%
2.78%
1.27%
1.36%
0.69%
0.60%
2.24%
0.01%
Liquidité en % de l'actif
55.33%
65.37%
66.78%
45.06%
62.07%
47.84%
56.94%
18.45%
93.05%
Liquidité en % des dépôts
67.46%
84.65%
79.48%
55.72%
79.12%
56.80%
67.16%
27.32%
130.31%
Nombre de compte de prêts
Nombre de compte de dépôts
56,695.00
27,820.00
180.00
472.00
2,257.00
16,921.00
8,650.00
394.00
1.00
2,869,355.00
549,151.00
13,201.00
104,688.00
149,187.00
727,337.00
1,317,597.00
8,035.00
159.00
203.00
40.00
6.00
24.00
25.00
40.00
64.00
3.00
1.00
4,832.00
787.00
143.00
467.00
727.00
1,106.00
1,519.00
71.00
12.00
Actif Total du système (en milliers de gourdes)
645,347,622.32
120,258,647.00
5,339,451.19
46,122,764.15
52,610,394.00
167,725,899.11
237,235,771.95
11,807,341.92
4,247,353.00
Portefeuille brut du système (en milliers de gourdes)
126,453,320.70
21,459,093.00
1,323,149.13
12,369,637.50
11,810,696.00
32,731,921.33
41,550,560.81
5,166,679.94
41,583.00
Portefeuille net du système (en milliers de gourdes)
116,414,052.06
17,627,266.00
187,348.01
12,065,932.95
11,404,737.00
29,858,644.25
40,356,833.44
4,871,707.42
41,583.00
Dépôts Totaux du système ('000gdes)
529,345,895.99
92,868,275.00
4,486,477.81
37,304,003.14
41,276,700.00
141,262,120.68
201,143,105.32
7,972,498.04
3,032,716.00
Portefeuille net devises converties du système ('000gdes)
67,292,532.82
4,994,679.00
639,755.77
7,948,347.66
6,384,144.00
17,811,045.84
26,860,032.10
2,654,528.45
511,847.06
37,991.02
4,866.17
60,457.50
48,559.70
135,476.12
204,305.41
20,191.13
57.80%
28.33%
341.48%
65.87%
55.98%
59.65%
66.56%
54.49%
0.00%
357,624,059.83
40,197,284.00
2,615,772.31
26,571,544.45
30,669,379.00
99,082,774.43
149,933,251.14
6,296,371.51
2,257,683.00
2,720,195.18
305,752.52
19,896.34
202,111.09
233,280.44
753,653.11
1,140,436.99
47,892.08
17,172.61
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)
-
67.56%
43.28%
58.30%
71.23%
74.30%
70.14%
74.54%
78.98%
74.44%
382,744,977.51
44,028,753.00
2,796,280.00
28,391,630.31
33,205,080.00
106,383,836.57
158,322,302.73
6,971,231.90
2,645,863.00
2,911,272.36
334,895.82
21,269.34
215,955.20
252,567.73
809,187.16
1,204,246.62
53,025.27
20,125.22
Pourcentage Actif Devises par rapport Actif Total
59.31%
36.61%
52.37%
61.56%
63.12%
63.43%
66.74%
59.04%
62.29%
Taux de Référence
131.47
131.5
131.5
131.5
131.5
131.5
131.5
131.5
131.5
Actifs en dollars ('000 USD)