(2014-12) Rapò estatistik sistèm bankè a, desanm 2014

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 1 2015 (1er octobre au 30 décembre 2014) [tabmat] TABLE DES MATIÈRES NOTE AUX UTILISATEURS | i SECTION 1 | GRAPHES ET TABLEAUX Évolution du bilan | 5 Évolution des résultats | 12 Évolution du nombre d'employés | 18 Évolution du nombre de prêts | 19 Évolution du nombre de dépôts | 20 SECTION 2 | SOMMAIRE FINANCIER - SYSTÈME BANCAIRE Indicateurs financiers | 26 Parts de marché | 27 Bilan Analyse des variations | 32 Analyse de la composition | 33 Devises et Gourdes | 34 Résultats Analyse des variations trimestrielles | 35 Analyse des variations annuelles | 36 SECTION 3 | SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE Faits saillants financiers | 38 Ratios financiers clés décembre 2014 | 39 Ratios financiers clés septembre 2014 | 40 Ratios financiers clés juin 2014 | 41 Ratios financiers clés mars 2014 | 42 Ratios financiers clés décembre 2013 | 43 Ratios financiers clés septembre 2013 | 44 Ratios financiers clés juin 2013 | 45 Ratios financiers clés mars 2013 | 46 Ratios financiers clés décembre 2012 | 47 Bilan au 31 décembre 2014 Gourdes et devises | 48 Gourdes seulement | 49 Devises seulement | 50 Bilan au 30 septembre 2014 | 51 Bilan au 30 juin 2014 | 52 Bilan au 31 mars 2014 | 53 Bilan au 31 décembre 2013 | 54 Bilan au 30 juin 2013 | 55 Bilan au 31 mars 2013 | 56 Bilan au 31 décembre 2012 | 57 Bilan au 30 septembre 2013 | 58 Bilan au 30 septembre 2012 | 59 Bilan au 30 septembre 2011 | 60 Bilan au 30 septembre 2010 | 61 Résultats (Trim. 4 2014 / Trim. 4 2013) | 62 Résultats (Cumul oct. 2013 - sept. 2014 / Cumul oct. 2012 - sept. 2013) | 63 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 65 BPH (Banque Populaire Haïtienne) | 71 BUH (Banque de l'Union Haïtienne) | 77 CAPITALBK (Capital Bank) | 83 CBNA (Citibank N.A.) | 89 SCOTIA (Scotia Bank) | 95 SOGEBK (Société Générale Haïtienne de Banque) | 101 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 107 UNIBK (Unibank) | 113 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 120 Limites relatives à la concentration des risques de crédit | 121 ANNEXE 1 | Suffisance des fonds propres | 161 Information sur le calcul des ratios financiers clés | 163 [Noteutili] NOTE AUX UTILISATEURS Ce rapport a été préparé par la Direction de la Supervision de la Banque de la République d'Haïti (BRH) à partir des informations périodiques soumises par les établissements bancaires. Ce rapport ne constitue pas une analyse de la performance financière des établissements bancaires effectuée par la BRH. Toute conclusion tirée de ce rapport n'engage que l'utilisateur et ne saurait en aucune manière être attribuée à la BRH. Ce rapport comporte les cinq sections suivantes : Section 1 : Graphes et tableaux Section 2 : Sommaire financier (sommaire consolidé de l'ensemble des banques) Section 3 : Sommaire financier détaillé (sommaire détaillé banque par banque) Section 4 : Statistiques par banque ( données financières et indicateurs financiers banque par banque) Section 5 : Respect des normes prudentielles Les périodes TRIM 1 2015 et TRIM 1 2014 doivent être lues comme premier trimestre de l'exercice fiscal 2014-2015 (1er octobre au 31 décembre 2014) et premier trimestre de l'exercice fiscal 2013-2014 (1er octobre au 31 décembre 2013). Les périodes CUMUL 2015 et CUMUL 2014 doivent être lues respectivement comme période cumulative allant du 1er octobre 2014 au 31 décembre 2014 et période cumulative allant du 1er octobre 2013 au 31 décembre 2013. [pageint.sect1] SECTION 1 SOMMAIRE FINANCIER EN GRAPHES [actifs] [dispo.] [bonsbrh] [prêts nets] [dépôts] [dépôts us] [av.desact.] [revint.] [m.net%revint] [aut.rev.] [fraisd'expl.] [f.d'exp%pnb] [bénef.net] [employés] SOMMAIRE FINANCIER EN GRAPHES NOMBRE D'EMPLOYÉS PAR BANQUE BICH | BNC | BPH | BUH | PROMOBK | SOCABK | SOCABL | SOGEBK | UNIBK | CAPITALBK | SOGEBL | BHD | CBNA | SCOTIA | TOTAL Sept. 1998 | 10 | 543 | 102 | 335 | 165 | 144 | 0 | 515 | 326 | 94 | 44 | 0 | 53 | 80 | 2411 Déc. 1998 | 10 | 452 | 111 | 364 | 163 | 150 | 0 | 514 | 368 | 97 | 46 | 0 | 54 | 81 | 2591 Mars 1999 | 10 | 454 | 105 | 371 | 161 | 152 | 0 | 543 | 392 | 120 | 49 | 0 | 56 | 82 | 2670 Juin 1999 | 10 | 452 | 106 | 376 | 160 | 164 | 0 | 694 | 381 | 124 | 49 | 0 | 56 | 82 | 2654 Sept. 1999 | 10 | 316 | 107 | 383 | 164 | 177 | 0 | 750 | 412 | 157 | 48 | 0 | 51 | 84 | 2659 Déc. 1999 | 9 | 233 | 111 | 385 | 164 | 188 | 0 | 806 | 455 | 146 | 50 | 22 | 59 | 84 | 2712 Mars 2000 | 10 | 233 | 110 | 389 | 164 | 206 | 0 | 826 | 492 | 146 | 56 | 23 | 60 | 84 | 2799 Juin 2000 | 10 | 195 | 105 | 377 | 165 | 218 | 0 | 890 | 547 | 154 | 55 | 18 | 59 | 87 | 2880 Sept. 2000 | 10 | 213 | 103 | 310 | 168 | 230 | 0 | 969 | 570 | 190 | 55 | 22 | 60 | 89 | 2989 Déc. 2000 | 11 | 213 | 102 | 306 | 174 | 236 | 0 | 986 | * | 596 | 184 | 56 | 30 | 63 | 90 | 2991 Mars 2001 | 11 | 238 | 100 | 281 | 181 | 262 | 0 | 1130 | * | 597 | 195 | 58 | 29 | 65 | 90 | 3179 Juin 2001 | 10 | 214 | 98 | 287 | 182 | 277 | 0 | 997 | 621 | 203 | 61 | 33 | 65 | 90 | 3077 Sept. 2001 | 10 | 208 | 96 | 257 | 186 | 290 | 0 | 1100 | 688 | 216 | 58 | 28 | 66 | 90 | 3351 Déc. 2001 | 10 | 194 | 99 | 263 | 195 | 302 | 0 | 1042 | 720 | 225 | 59 | 31 | 62 | 90 | 3351 Mars 2002 | 10 | 215 | 99 | 249 | 168 | 315 | 0 | 1055 | 830 | 227 | 60 | 0 | 58 | 88 | 3434 Juin 2002 | 10 | 231 | 104 | 244 | 165 | 326 | 20 | 988 | 749 | 222 | 59 | 0 | 57 | 90 | 3324 Sept. 2002 | 10 | 237 | 109 | 249 | 170 | 321 | 20 | 972 | 753 | 216 | 60 | 0 | 60 | 88 | 3265 Déc. 2002 | 9 | 243 | 112 | 358 | 176 | 329 | 20 | 836 | 662 | 237 | 58 | 0 | 57 | 88 | 3185 Mars 2003 | 10 | 261 | 119 | 343 | 172 | 350 | 20 | 831 | 676 | 220 | 60 | 0 | 50 | 88 | 3200 Juin 2003 | 9 | 260 | 116 | 345 | 175 | 375 | 23 | 831 | 686 | 231 | 61 | 0 | 48 | 90 | 3250 Sept. 2003 | 10 | 269 | 131 | 362 | 181 | 358 | 23 | 841 | 695 | 247 | 57 | 0 | 48 | 83 | 3305 Déc. 2003 | 10 | 270 | 120 | 365 | 182 | 377 | 23 | 868 | 741 | 264 | 61 | 0 | 48 | 88 | 3417 Mars 2004 | 8 | 287 | 118 | 371 | 198 | 362 | 23 | 863 | 751 | 268 | 61 | 0 | 49 | 88 | 3447 Juin 2004 | 9 | 293 | 119 | 379 | 201 | 360 | 23 | 820 | 756 | 271 | 59 | 0 | 45 | 83 | 3418 Sept. 2004 | 9 | 293 | 118 | 376 | 198 | 367 | 23 | 898 | 762 | 299 | 62 | 0 | 47 | 80 | 3532 Déc. 2004 | 10 | 308 | 119 | 390 | 200 | 392 | 25 | 911 | 726 | 280 | 55 | 0 | 49 | 84 | 3549 Mars 2005 | 10 | 308 | 118 | 384 | 202 | 404 | 24 | 912 | 754 | 294 | 54 | 0 | 46 | 91 | 3601 Juin 2005 | 9 | 350 | 117 | 391 | 198 | 378 | 25 | 922 | 748 | 279 | 55 | 0 | 47 | 97 | 3616 Sept. 2005 | 9 | 350 | 117 | 456 | 190 | 589 | 25 | 942 | 772 | 290 | 53 | 0 | 46 | 97 | 3936 Déc. 2005 | 9 | 305 | 127 | 477 | 185 | 498 | 26 | 953 | 789 | 267 | 57 | 0 | 44 | 97 | 3834 Mars 2006 | 9 | 306 | 124 | 486 | 180 | 454 | 16 | 956 | 817 | 284 | 55 | 0 | 45 | 97 | 3829 Juin 2006 | 0 | 329 | 125 | 476 | 177 | 428 | N/A | 975 | 842 | 277 | 52 | 0 | 41 | 90 | 3812 Sept. 2006 | 0 | 314 | 126 | 348 | N/A | 413 | N/A | 1192 | 874 | 281 | 57 | 0 | 47 | 97 | 3749 Déc. 2006 | 0 | 323 | 128 | 328 | N/A | 424 | N/A | 1216 | 919 | 280 | 57 | 0 | 46 | 97 | 3818 Mars 2007 | 0 | 737 | 132 | 354 | N/A | N/A | N/A | 1192 | 920 | 295 | 58 | 0 | 46 | 97 | 3831 Juin 2007 | 0 | 677 | 128 | 360 | N/A | N/A | N/A | 1212 | 929 | 302 | 60 | 0 | 44 | 97 | 3809 Sept. 2007 | 0 | 884 | 126 | 380 | N/A | N/A | N/A | 1168 | 994 | 309 | 59 | 0 | 46 | 97 | 4063 Déc. 2007 | 0 | 526 | 133 | 513 | N/A | N/A | N/A | 1155 | 1073 | 312 | 60 | 0 | 47 | 90 | 3909 Mars 2008 | 0 | 526 | 135 | 365 | N/A | N/A | N/A | 1214 | 1122 | 317 | 63 | 0 | 44 | 90 | 3876 Juin 2008 | 0 | 494 | 131 | 356 | N/A | N/A | N/A | 1246 | 1116 | 349 | 61 | 0 | 44 | 91 | 3888 Sept. 2008 | 0 | 545 | 138 | 353 | N/A | N/A | N/A | 1245 | 1120 | 314 | 62 | 0 | 41 | 91 | 3909 Déc. 2008 | 0 | 525 | 139 | 307 | N/A | N/A | N/A | 1264 | 1159 | 345 | 63 | 0 | 41 | 91 | 3934 Mars 2009 | 0 | 518 | 138 | 295 | N/A | N/A | N/A | 1263 | 1156 | 346 | 59 | 0 | 38 | 88 | 3901 Juin 2009 | 0 | 570 | 137 | 289 | N/A | N/A | N/A | 1256 | 1125 | 368 | 61 | 0 | 42 | 88 | 3936 Sept. 2009 | 0 | 560 | 135 | 270 | N/A | N/A | N/A | 1272 | 1111 | 379 | 60 | 0 | 44 | 88 | 3919 Déc. 2009 | 0 | 560 | 137 | 272 | N/A | N/A | N/A | 1304 | 1084 | 382 | 62 | 0 | 44 | 97 | 3942 Mars 2010 | 0 | 511 | 129 | 256 | N/A | N/A | N/A | 1187 | 928 | 362 | 56 | 0 | 36 | 90 | 3555 Juin 2010 | 0 | 503 | 129 | 247 | N/A | N/A | N/A | 1142 | 913 | 351 | 53 | 0 | 36 | 84 | 3458 Sept. 2010 | 0 | 496 | 123 | 249 | N/A | N/A | N/A | 1108 | 899 | 347 | 51 | 0 | 38 | 84 | 3395 Déc. 2010 | 0 | 489 | 117 | 252 | N/A | N/A | N/A | 1086 | 917 | 359 | 49 | 0 | 40 | 84 | 3393 Mars 2011 | 0 | 480 | 112 | 246 | N/A | N/A | N/A | 1096 | 947 | 371 | 52 | 0 | 39 | 85 | 3428 Juin 2011 | 0 | 493 | 119 | 244 | N/A | N/A | N/A | 1114 | 1555 | 390 | 51 | 0 | 39 | 82 | 4087 Sept. 2011 | 0 | 490 | 128 | 238 | N/A | N/A | N/A | 1150 | 949 | 446 | 50 | 0 | 39 | 82 | 3572 Déc. 2011 | 0 | 547 | 124 | 213 | N/A | N/A | N/A | 1190 | 949 | 456 | 49 | 0 | 39 | 82 | 3649 Mars 2012 | 0 | 543 | 127 | 211 | N/A | N/A | N/A | 1218 | 983 | 469 | 55 | 0 | 40 | 82 | 3728 Juin 2012 | 0 | 535 | 133 | 213 | N/A | N/A | N/A | 1241 | 1027 | 474 | 52 | 0 | 39 | 82 | 3796 Sept. 2012 | 0 | 531 | 144 | 213 | N/A | N/A | N/A | 1258 | 1034 | 469 | 57 | 0 | 38 | 88 | 3832 Déc. 2012 | 0 | 583 | 144 | 211 | N/A | N/A | N/A | 1278 | 1025 | 478 | 57 | 0 | 38 | 92 | 3906 Mars 2013 | 0 | 568 | 141 | 217 | N/A | N/A | N/A | 1280 | 1015 | 463 | 57 | 0 | 39 | 92 | 3872 Juin 2013 | 0 | 575 | 138 | 213 | N/A | N/A | N/A | 1302 | 1046 | 467 | 57 | 0 | 37 | 91 | 3926 Sept. 2013 | 0 | 574 | 141 | 208 | N/A | N/A | N/A | 1344 | 1038 | 497 | 59 | 0 | 37 | 90 | 3988 Déc. 2013 | 0 | 575 | 143 | 206 | N/A | N/A | N/A | 1362 | 1035 | 496 | 65 | 0 | 39 | 91 | 4012 Mars 2014 | 0 | 635 | 143 | 195 | N/A | N/A | N/A | 1401 | 1084 | 503 | 66 | 0 | 39 | 90 | 4156 Juin 2014 | 0 | 626 | 152 | 192 | N/A | N/A | N/A | 1428 | 1101 | 489 | 67 | 0 | 33 | 90 | 4178 Sept. 2014 | 0 | 655 | 155 | 191 | N/A | N/A | N/A | 1450 | 1107 | 531 | 67 | 0 | 33 | 90 | 4279 Déc. 2014 | 0 | 647 | 155 | 192 | N/A | N/A | N/A | 1454 | 1124 | 531 | 68 | 0 | 32 | 85 | 4288 [nbre de prêts] SOMMAIRE FINANCIER EN GRAPHES EVOLUTION DU NOMBRE DE PRÊTS PAR BANQUE BICH | BNC | BPH | BUH | PROMOBK | SOCABK | SOCABL | SOGEBK | UNIBK | CAPITALBK | SOGEBL | BHD | CBNA | SCOTIA | TOTAL Déc. 1998 | 160 | 8526 | 1667 | 2858 | 1520 | 715 | 0 | 1692 | 974 | 687 | 563 | 0 | 225 | 1483 | 21070 Mars 1999 | 0 | 7349 | 1692 | 3242 | 1551 | 778 | 0 | 1604 | 1023 | 673 | 520 | 0 | 220 | 1657 | 20309 Juin 1999 | 0 | 6012 | 1803 | 3219 | 1465 | 798 | 0 | 2284 | 975 | 1440 | 508 | 0 | 332 | 1625 | 20461 Sept. 1999 | 232 | 3956 | 1832 | 3729 | 1592 | 835 | 0 | 1609 | 1056 | 822 | 566 | 0 | 256 | 1650 | 18135 Déc. 1999 | 230 | 3767 | 1852 | 3752 | 0 | 860 | 0 | 1568 | 1117 | 850 | 558 | 6 | 266 | 1608 | 16434 Mars 2000 | 239 | 3767 | 1802 | 3752 | 0 | 933 | 0 | 1598 | 1257 | 755 | 556 | 11 | 271 | 1605 | 16546 Juin 2000 | 247 | 3511 | 1803 | 4449 | 0 | 1074 | 0 | 1556 | 1491 | 813 | 545 | 17 | 280 | 1580 | 17366 Sept. 2000 | 70 | 3443 | 1773 | 4999 | 0 | 1458 | 0 | 1499 | 1512 | 980 | 529 | 28 | 266 | 1586 | 18143 Déc. 2000 | 82 | 1705 | 1768 | 4873 | 490 | 1150 | 0 | 1562 | 1659 | 907 | 522 | 39 | 242 | 1556 | 16555 Mars 2001 | 72 | 3050 | 1761 | 5177 | 1520 | 1125 | 0 | 1617 | 1790 | 800 | 519 | 42 | 224 | 1561 | 19258 Juin 2001 | 70 | 2960 | 1571 | 4863 | N/A | 1092 | 0 | 1717 | 1829 | 845 | 495 | 61 | 221 | 1445.134 | 17169.134 Sept. 2001 | 86 | 2881 | 1556 | 4645 | 411 | 1052 | 0 | 1679 | 2198 | 788 | 496 | 67 | 209 | 1582 | 17650 Déc. 2001 | 97 | 2024 | 1550 | 3884 | 434 | 1029 | 0 | 1754 | 2354 | 415 | 492 | 69 | 201 | 1379 | 15682 Mars 2002 | 0 | 2175 | 1725 | 3321 | 446 | 955 | 0 | 1790 | 1320 | 425 | 489 | ** | 167 | 1359 | 14172 Juin 2002 | 62 | 2054 | 1873 | 2387 | 464 | 871 | 10 | 1925 | 1290 | 453 | 487 | ** | 179 | 1419 | 13474 Sept. 2002 | 54 | 2054 | 1433 | 1691 | 476 | 828 | 10 | 2046 | 5054 | 468 | 491 | ** | 188 | 1440 | 16233 Déc. 2002 | 58 | 6362 | 1960 | 1370 | 529 | 810 | 53 | 2353 | 1415 | 459 | 476 | ** | 187 | 1449 | 17481 Mars 2003 | 38 | 9881 | 1965 | 1465 | 1192 | 769 | 53 | 2654 | 1450 | 460 | 485 | ** | 176 | 1483 | 22071 Juin 2003 | 40 | 10777 | 2009 | 1381 | 1093 | 773 | 84 | 2942 | 1440 | 483 | 488 | ** | 179 | 1501 | 23190 Sept. 2003 | 39 | 11572 | 2053 | 1699 | 1155 | 779 | 91 | 3129 | 1413 | 500 | 482 | ** | 145 | 0 | 23057 Déc. 2003 | 39 | 11436 | 1850 | 1838 | 1314 | 768 | 92 | 3355 | 1751 | 570 | 492 | ** | 0 | 1641 | 25146 Mars 2004 | 39 | 9683 | 1988 | 2060 | 1196 | 758 | 92 | 3475 | 1772 | 607 | 476 | ** | 112 | 1180 | 23438 Juin 2004 | 38 | 7539 | 1664 | 2620 | 1032 | 817 | 96 | 3752 | 1839 | 668 | 465 | ** | 136 | 843 | 21509 Sept. 2004 | 43 | 7539 | 1626 | 2732 | 950 | 919 | 101 | 4057 | 1936 | 676 | 484 | ** | 122 | 1122 | 22307 Déc. 2004 | 35 | 4572 | 1276 | 2335 | 1008 | 950 | 99 | 3674 | 1474 | 723 | 472 | ** | 147 | 1021 | 17786 Mars 2005 | 38 | 5695 | 1246 | 2658 | 861 | 941 | 98 | 3778 | 1902 | 755 | 477 | ** | 130 | 1008 | 19587 Juin 2005 | 36 | 8211 | 1398 | 3561 | 730 | 781 | 105 | 3778 | 1915 | 765 | 479 | ** | 135 | 1046 | 22940 Sept. 2005 | 35 | 8211 | 1562 | 4208 | 724 | 713 | 122 | 3741 | 2081 | 766 | 482 | ** | 135 | 1024 | 23804 Déc. 2005 | 34 | 10436 | 1709 | 4243 | 662 | 647 | 121 | 11030 | 2051 | 751 | 492 | ** | 135 | 1020 | 33331 Mars 2006 | 37 | 10194 | 1672 | 3951 | 685 | 584 | 112 | 11141 | 2421 | 720 | 491 | ** | 126 | 1046 | 33180 Juin 2006 | 0 | 9853 | 1676 | 4145 | 688 | 626 | 0 | 11917 | 2228 | 677 | 476 | ** | 141 | 1046 | 33473 Sept. 2006 | 0 | 9669 | 1789 | 4234 | 0 | 662 | 0 | 12164 | 2308 | 657 | 446 | ** | 131 | 1046 | 33106 Déc. 2006 | 0 | 9805 | 1996 | 4347 | 0 | 613 | 0 | 16255 | 2451 | 666 | 447 | ** | 132 | 1064 | 37776 Mars 2007 | 0 | 10322 | 1854 | 4157 | ** | ** | ** | 16290 | 2501 | 559 | 455 | ** | 132 | 1046 | 37316 Juin 2007 | 0 | 9988 | 1883 | 3917 | ** | ** | ** | 16163 | 2496 | 671 | 451 | ** | 136 | 1046 | 36751 Sept. 2007 | 0 | 13389 | 1872 | 3129 | ** | ** | ** | 15558 | 2553 | 660 | 457 | ** | 140 | 1046 | 38804 Déc. 2007 | 0 | 13969 | 1836 | 3210 | ** | ** | ** | 17130 | 2616 | 688 | 457 | ** | 140 | 1557 | 41603 Mars 2008 | 0 | 14531 | 1731 | 3210 | ** | ** | ** | 29912 | 2578 | 703 | 461 | ** | 134 | 1627 | 54887 Juin 2008 | 0 | 18793 | 1857 | 3385 | ** | ** | ** | 31558 | 2578 | 736 | 474 | ** | 126 | 1699 | 61206 Sept. 2008 | 0 | 18866 | 1710 | 3446 | ** | ** | ** | 33916 | 2606 | 734 | 490 | ** | 115 | 1714 | 63597 Déc. 2008 | 0 | 21182 | 2625 | 3350 | ** | ** | ** | 34845 | 2733 | 776 | 468 | ** | 110 | 1754 | 67843 Mars 2008 | 0 | 22222 | 2873 | 3192 | ** | ** | ** | 34477 | 2647 | 807 | 475 | ** | 98 | 1400 | 68191 Juin 2009 | 0 | 22761 | 3028 | 3033 | ** | ** | ** | 36525 | 3173 | 893 | 485 | ** | 105 | 1706 | 71709 Sept. 2009 | 0 | 22289 | 3125 | 3000 | ** | ** | ** | 40357 | 3622 | 922 | 483 | ** | 102 | 1748 | 75648 Déc. 2009 | 0 | 22041 | 3404 | 3006 | ** | ** | ** | 41308 | 3796 | 1027 | 474 | ** | 197 | 1046 | 76299 Mars 2010 | 0 | 19644 | 3478 | 2910 | ** | ** | ** | 38704 | 3165 | 957 | 468 | ** | 102 | 1104 | 70532 Juin 2010 | 0 | 19253 | 3571 | 2798 | ** | ** | ** | 37448 | 2743 | 949 | 457 | ** | 97 | 1505 | 68821 Sept. 2010 | 0 | 18859 | 3505 | 2996 | ** | ** | ** | 38898 | 2495 | 968 | 442 | ** | 87 | 1522 | 69772 Déc. 2010 | 0 | 19738 | 3358 | 3055 | ** | ** | ** | 36405 | 2440 | 982 | 450 | ** | 88 | 1560 | 68076 Mars 2011 | 0 | 20470 | 3150 | 3090 | ** | ** | ** | 38079 | 2417 | 957 | 446 | ** | 87 | 1574 | 70270 Juin 2011 | 0 | 19007 | 3033 | 3045 | ** | ** | ** | 42713 | 2371 | 985 | 461 | ** | 79 | 1439 | 73133 Sept. 2011 | 0 | 19781 | 2672 | 1454 | ** | ** | ** | 47430 | 2500 | 1027 | 464 | ** | 80 | 1492 | 76900 Déc. 2011 | 0 | 20988 | 2781 | 1216 | ** | ** | ** | 50325 | 2720 | 1126 | 498 | ** | 95 | 1536 | 81285 Mars 2012 | 0 | 22127 | 2828 | 1101 | ** | ** | ** | 51470 | 2644 | 1124 | 474 | ** | 93 | 1573 | 83434 Juin 2012 | 0 | 23575 | 2855 | 1042 | ** | ** | ** | 53683 | 2623 | 1135 | 476 | ** | 86 | 1614 | 87089 Sept. 2012 | 0 | 26043 | 2895 | 636 | ** | ** | ** | 55701 | 2745 | 1125 | 457 | ** | 90 | 1618 | 91310 Déc. 2012 | 0 | 26815 | 2704 | 589 | ** | ** | ** | 56696 | 2803 | 1181 | 468 | ** | 84 | 1651 | 92991 Mars 2013 | 0 | 31372 | 3028 | 563 | ** | ** | ** | 54824 | 2849 | 1170 | 488 | ** | 88 | 1480 | 95862 Juin 2013 | 0 | 32070 | 3383 | 541 | ** | ** | ** | 56097 | 2808 | 1191 | 494 | ** | 87 | 1505 | 98176 Sept. 2013 | 0 | 31188 | 3142 | 474 | ** | ** | ** | 59904 | 2781 | 1194 | 498 | ** | 83 | 1521 | 100785 Déc. 2013 | 0 | 30092 | 2961 | 462 | ** | ** | ** | 63715 | 2717 | 1197 | 520 | ** | 101 | 1855 | 103620 Mars 2014 | 0 | 28082 | 3061 | 631 | ** | ** | ** | 63841 | 3382 | 1199 | 535 | ** | 84 | 1890 | 102705 Juin 2014 | 0 | 23931 | 2955 | 530 | ** | ** | ** | 65705 | 3453 | 1227 | 546 | ** | 78 | 1906 | 100331 Sept. 2014 | 0 | 28987 | 2465 | 568 | ** | ** | ** | 69612 | 3567 | 1206 | 554 | ** | 76 | 1954 | 108989 Déc. 2014 | 0 | 28515 | 2539 | 618 | ** | ** | ** | 71589 | 3745 | 1270 | 568 | ** | 71 | 1961 | 110876 ** Banque dessaisie le 25 février 2002 N/A : données non disponibles Mars98 | Juin 98 1327 | 1348 1050 | 1028 875 | 869 862 | 954 664 624 | 645 496 | 518 278 | 1539 171 | 186 103 12 | 22 0 | 636 0 0 | 2545 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 DÉCEMBRE 2014 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 35525 | 2436 | 2157 | 26563 | 35846 | 8310 | 3596 | 285 | 2145 | 116863 Épargne | 333746 | 13899 | 37653 | 488859 | 742693 | 61279 | 5794 | 1503 | 10644 | 1696070 À Terme | 2032 | 197 | 876 | 10514 | 3084 | 655 | 789 | 45 | 472 | 18664 TOTAL | 371303 | 16532 | 40686 | 525936 | 781623 | 70244 | 10179 | 1833 | 13261 | 1831597 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 SEPTEMBRE 2014 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 34991 | 2373 | 2248 | 26437 | 35625 | 8296 | 3564 | 313 | 2267 | 116114 Épargne | 334234 | 13374 | 46242 | 494764 | 746745 | 61539 | 5827 | 1498 | 10514 | 1714737 À Terme | 2050 | 195 | 861 | 10815 | 3095 | 671 | 766 | 55 | 495 | 19003 TOTAL | 371275 | 15942 | 49351 | 532016 | 785465 | 70506 | 10157 | 1866 | 13276 | 1849854 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 JUIN 2014 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 35582 | 2616 | 9166 | 26585 | 35455 | 8355 | 3546 | 339 | 2252 | 123896 Épargne | 331466 | 23949 | 89212 | 500031 | 753623 | 63780 | 5904 | 1559 | 10623 | 1780147 À Terme | 2097 | 195 | 774 | 10880 | 3140 | 694 | 768 | 68 | 518 | 19134 TOTAL | 369145 | 26760 | 99152 | 537496 | 792218 | 72829 | 10218 | 1966 | 13393 | 1923177 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 MARS 2014 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 35189 | 2597 | 9070 | 26470 | 35347 | 8329 | 3551 | 356 | 2331 | 123240 Épargne | 331151 | 23768 | 88574 | 511753 | 768048 | 67344 | 5975 | 1682 | 11337 | 1809632 À Terme | 2125 | 198 | 793 | 10874 | 3164 | 721 | 779 | 71 | 575 | 19300 TOTAL | 368465 | 26563 | 98437 | 549097 | 806559 | 76394 | 10305 | 2109 | 14243 | 1952172 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 DÉCEMBRE 2013 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 34591 | 2589 | 8955 | 26474 | 35129 | 8326 | 3508 | 367 | 2292 | 122231 Épargne | 328241 | 23444 | 87888 | 514298 | 840805 | 68088 | 6050 | 1682 | 11289 | 1881785 À Terme | 2172 | 200 | 799 | 10840 | 3209 | 744 | 772 | 75 | 570 | 19381 TOTAL | 365004 | 26233 | 97642 | 551612 | 879143 | 77158 | 10330 | 2124 | 14151 | 2023397 [dépôts P-AU-P et Prov. ] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 31 DÉCEMBRE 2014 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 17613365.902223155 | 1426485.506972428 | 1350235.863165588 | 5247665 | 13352552.258930001 | 21070109.673820004 | 1083757.22143 | 3912349 | 3211364 | 68267884.42654118 Épargne | 4993675.37627552 | 579932.58105 | 991322.9822877959 | 2306579 | 13763696.297609998 | 15394890.180650001 | 508819.43872 | 294638 | 1689229 | 40522782.85659332 À terme | 3608795.159966345 | 871487.5419600001 | 1009301.31362309 | 2201806 | 8806386.811740002 | 5608967.49102 | 2952640.39535 | 381091 | 325603 | 25766078.713659436 TOTAL | 26215836.43846502 | 2877905.629982428 | 3350860.1590764737 | 9756050 | 35922635.36828 | 42073967.34549001 | 4545217.0555 | 4588078 | 5226196 | 134556745.99679393 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 31 DÉCEMBRE 2014 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 2460773.594968968 | N/A | 269661.298554654 | 287588 | 1434393.76176 | 1722657.8125699996 | N/A | N/A | N/A | 6175074.4678536225 Épargne | 4832680.076710284 | N/A | 850511.3188962941 | 370004 | 4814648.4289 | 4893278.59237 | N/A | N/A | N/A | 15761122.416876577 À terme | 366710.66214489297 | N/A | 227776.596568553 | 5852 | 672941.3503200001 | 794872.65045 | N/A | N/A | N/A | 2068153.259483446 TOTAL | 7660164.333824145 | N/A | 1347949.214019501 | 663444 | 6921983.54098 | 7410809.055389999 | N/A | N/A | N/A | 24004350.144213643 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 31 DÉCEMBRE 2014 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 20074139.497192122 | 1426485.506972428 | 1619897.161720242 | 5535253 | 14786946.020690002 | 22792767.486390002 | 1083757.22143 | 3912349 | 3211364 | 74442958.8943948 Épargne | 9826355.452985805 | 579932.58105 | 1841834.3011840899 | 2676583 | 18578344.726509996 | 20288168.77302 | 508819.43872 | 294638 | 1689229 | 56283905.273469895 À terme | 3975505.822111238 | 871487.5419600001 | 1237077.910191643 | 2207658 | 9479328.162060002 | 6403840.141469999 | 2952640.39535 | 381091 | 325603 | 27834231.973142885 TOTAL | 33876000.772289164 | 2877905.629982428 | 4698809.373095974 | 10419494 | 42844618.90926 | 49484776.40088 | 4545217.0555 | 4588078 | 5226196 | 158561096.14100757 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 DÉCEMBRE 2014 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL Siège Social | 9168467.783760738 | 189496.196646122 | 166817.47766176998 | 2201761.24235 | 1644424.6234499998 | 2094235 | 535200.68308 | 3912349 | 525821 | 20438573.006948628 Place Geffrard | 0 | 0 | 0 | 2437745.8316 | 0 | 0 | 0 | 0 | 0 | 2437745.8316 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée | 1367189.269644728 | 0 | 0 | 707756.88225 | 0 | 0 | 0 | 0 | 0 | 2074946.151894728 Pavée 1 | 735681.401135297 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 735681.401135297 Pavée 2 | 631507.868509431 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 631507.868509431 Delmas | 936308.2045635009 | 21950.404620759 | 0 | 1063643.9180100001 | 3767788.4894400006 | 341099 | 377201.33719 | 0 | 870110 | 7378101.353824262 Delmas 52 | 677310.149438803 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 677310.149438803 Delmas 2 | 111439.29688538799 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 111439.29688538799 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 320581 | 0 | 0 | 0 | 320581 Delmas 32 | 147558.75823931 | 0 | 0 | 0 | 1684099.2151300001 | 0 | 0 | 0 | 0 | 1831657.9733693101 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 20518 | 0 | 0 | 0 | 20518 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 377201.33719 | 0 | 0 | 377201.33719 Delmas 48 | 0 | 0 | 0 | 449878.04697 | 0 | 0 | 0 | 0 | 0 | 449878.04697 Delmas-Aéroport | 0 | 0 | 0 | 613765.87104 | 0 | 0 | 0 | 0 | 0 | 613765.87104 Delmas 16 | 0 | 0 | 0 | 0 | 279115.79979 | 0 | 0 | 0 | 0 | 279115.79979 Delmas 71 | 0 | 0 | 0 | 0 | 1803644.6159400002 | 0 | 0 | 0 | 0 | 1803644.6159400002 Kiosque Mégamart | 0 | 0 | 0 | 0 | 928.85858 | 0 | 0 | 0 | 0 | 928.85858 Pétion-Ville | 3189232.871583443 | 838511.880430921 | 779045.7947915341 | 2953395.94272 | 8266623.363530001 | 1608053 | 0 | 0 | 1535700 | 19170562.853055898 P-V 1 | 2112310.265830631 | 0 | 0 | 908164.9799700001 | 4885087.1014600005 | 959848 | 0 | 0 | 0 | 8865410.347260632 Place Boyer | 319384.55220046995 | 0 | 0 | 0 | 0 | 217131 | 0 | 0 | 0 | 536515.5522004699 Choucoune Plaza | 634114.3572514191 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 634114.3572514191 P-V 2 | 123423.69630092301 | 0 | 0 | 112724.03756999999 | 981383.75126 | 431074 | 0 | 0 | 0 | 1648605.485130923 P-V 3 | 0 | 0 | 0 | 1446502.8481500002 | 2400152.51081 | 0 | 0 | 0 | 0 | 3846655.35896 P-V 4 | 0 | 0 | 0 | 486004.07703 | 0 | 0 | 0 | 0 | 0 | 486004.07703 Lalue | 417857.615341411 | 0 | 43017.733494157 | 411930.01274999994 | 404281.60436 | 0 | 0 | 0 | 0 | 1277086.965945568 Champs de Mars | 254312.479364326 | 0 | 0 | 322245.62051 | 0 | 0 | 0 | 0 | 0 | 576558.099874326 Laboule | 0 | 0 | 0 | 0 | 26169.65331 | 113225 | 0 | 0 | 0 | 139394.65331 Aéroport | 79551.859141839 | 33275.417146332 | 0 | 1325067.1711300001 | 360298.59899 | 370540 | 0 | 0 | 0 | 2168733.0464081713 Aéroport 2 | 0 | 0 | 0 | 423841.5064499999 | 0 | 38092 | 0 | 0 | 0 | 461933.5064499999 Carrefour | 119686.618488621 | 0 | 71203.19821332401 | 84105.66193999999 | 0 | 25022 | 0 | 0 | 279733 | 579750.4786419449 Arcachon | 49214.444099581 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 49214.444099581 Carrefour | 70472.17438904 | 0 | 0 | 60492.90159 | 0 | 0 | 0 | 0 | 0 | 130965.07597904 Truitiers | 0 | 0 | 0 | 23612.760349999997 | 0 | 0 | 0 | 0 | 0 | 23612.760349999997 Thor | 0 | 0 | 0 | 0 | 92892.41548000001 | 0 | 0 | 0 | 0 | 92892.41548000001 Diquini | 0 | 0 | 0 | 40556.51598 | 0 | 14775 | 0 | 0 | 0 | 55331.51598 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 32551.072869999996 | 0 | 0 | 0 | 0 | 0 | 32551.072869999996 Clercine | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 248274 | 0 | 0 | 0 | 248274 Parc Industriel | 1534300.040574536 | 309373.80764997203 | 290151.659004803 | 0 | 0 | 0 | 0 | 0 | 0 | 2133825.507229311 Varreux | 0 | 0 | 0 | 0 | 1453420.65051 | 0 | 0 | 0 | 0 | 1453420.65051 Rue Charéron | 25984.78827945 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25984.78827945 Bourdon | 0 | 0 | 0 | 0 | 711306.2114 | 0 | 0 | 0 | 0 | 711306.2114 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 458.90175 | 0 | 0 | 0 | 0 | 458.90175 Canapé-Vert | 0 | 0 | 0 | 0 | 718018.9872099999 | 0 | 0 | 0 | 0 | 718018.9872099999 Rue Capois | 0 | 0 | 0 | 0 | 414972.87866000005 | 0 | 0 | 0 | 0 | 414972.87866000005 Damien | 99469.08952712301 | 0 | 0 | 258308.06042000002 | 805829.2132 | 0 | 0 | 0 | 0 | 1163606.363147123 Frères | 0 | 0 | 0 | 293260.34206999996 | 708859.2878500001 | 0 | 0 | 0 | 0 | 1002119.62992 Portail Léogane | 0 | 0 | 0 | 17159.697399999997 | 125021.10198 | 0 | 0 | 0 | 0 | 142180.79938 Croix des Bossales | 0 | 0 | 0 | 0 | 58137.32692 | 0 | 0 | 0 | 0 | 58137.32692 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 126363.83867 | 0 | 0 | 0 | 0 | 126363.83867 Martissant | 0 | 0 | 0 | 181063.32241 | 89081.03696000001 | 0 | 0 | 0 | 0 | 270144.35937 Nazon | 0 | 0 | 0 | 0 | 76952.7455 | 0 | 0 | 0 | 0 | 76952.7455 Croix des Bouquets | 157128.709613855 | 0 | 0 | 94012.23314999999 | 81803.03928 | 0 | 0 | 0 | 0 | 332943.982043855 Lathan | 0 | 0 | 0 | 147162.11491 | 81448.60192 | 0 | 0 | 0 | 0 | 228610.71683 Turgeau | 110696.33685484201 | 0 | 0 | 356931.21615 | 641583.63328 | 0 | 171355.20116 | 0 | 0 | 1280566.387444842 Turgeau 2 | 0 | 0 | 0 | 53.893860000000004 | 0 | 0 | 0 | 0 | 0 | 53.893860000000004 Tabarre | 47198.628329121 | 33877.800478322 | 0 | 0 | 267851.12002 | 394350 | 0 | 0 | 0 | 743277.548827443 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Sans Fil | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avenue Christophe | 0 | 0 | 0 | 0 | 146045.77745000002 | 0 | 0 | 0 | 0 | 146045.77745000002 Autres succursales non précisées | 105981.60715561801 | 0 | 0 | 0 | 476.5727 | 0 | 0 | 0 | 0 | 106458.17985561801 TOTAL | 17613365.90222315 | 1426485.506972428 | 1350235.8631655881 | 13352552.25893 | 21070109.67382 | 5247665 | 1083757.22143 | 3912349 | 3211364 | 68267884.42654116 VILLES DE PROVINCES Aquin | 29294.522226934 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 29294.522226934 Jacmel | 155144.262546519 | 0 | 0 | 131617.52312 | 156694.67818000002 | 0 | 0 | 0 | 0 | 443456.463846519 Hinche | 113809.303304306 | 0 | 0 | 0 | 70620.84026000001 | 32094 | 0 | 0 | 0 | 216524.14356430602 Cap-Haïtien | 343443.301859382 | 0 | 121133.27730850199 | 258255.94014 | 482609.99364999996 | 84938 | 0 | 0 | 0 | 1290380.512957884 Cap-Haïtien 1 | 343442.160916324 | 0 | 0 | 139430.69887999998 | 427041.53615999996 | 0 | 0 | 0 | 0 | 909914.395956324 Cap-Haïtien 2 | 1.140943058 | 0 | 0 | 118825.24126000001 | 55568.45749 | 0 | 0 | 0 | 0 | 174394.839693058 Cayes | 476804.77195428906 | 0 | 74680.941805493 | 204602.21187 | 190242.72283 | 137792 | 0 | 0 | 0 | 1084122.648459782 Cayes 1 | 440988.18459163303 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 440988.18459163303 Cayes 2 | 35816.587362656 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35816.587362656 Cabaret | 82902.22164176201 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 82902.22164176201 Cap Saint-Michel | 0 | 0 | 0 | 69195.97729000001 | 0 | 0 | 0 | 0 | 0 | 69195.97729000001 Ouanaminthe | 15971.660094255001 | 0 | 18030.741457456 | 46105.72288 | 46961.33071 | 0 | 0 | 0 | 0 | 127069.45514171102 Fort-Liberté | 135111.363537918 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 135111.363537918 Gonaïves | 193766.240144538 | 0 | 33245.395623016 | 141032.43240999998 | 147040.34960000002 | 32764 | 0 | 0 | 0 | 547848.4177775539 Port-de-Paix | 143578.229348542 | 0 | 22418.177320187002 | 81358.29456000001 | 103378.57697 | 0 | 0 | 0 | 0 | 350733.27819872904 Petit-Goave | 56113.271856462 | 0 | 0 | 23676.51934 | 72671.17272 | 0 | 0 | 0 | 0 | 152460.963916462 Miragoane | 64202.638323583 | 0 | 0 | 40653.18805 | 26889.665230000006 | 0 | 0 | 0 | 0 | 131745.491603583 Mirebalais | 0 | 0 | 0 | 91575.44871000001 | 88024.22586000002 | 0 | 0 | 0 | 0 | 179599.67457000003 Jérémie | 128761.922380009 | 0 | 125.26147 | 38922.84252 | 135715.05566999997 | 0 | 0 | 0 | 0 | 303525.082040009 La Gonave | 0 | 0 | 0 | 0 | 21675.95007 | 0 | 0 | 0 | 0 | 21675.95007 Léogane | 385594.21561983303 | 0 | 0 | 74348.19939 | 8869.84 | 0 | 0 | 0 | 0 | 468812.2550098331 Fonds-des-Nègres | 26803.508143608 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26803.508143608 Limbé | 0 | 0 | 29.15357 | 0 | 20814.61443 | 0 | 0 | 0 | 0 | 20843.768 Vertières | 0 | 0 | 0 | 0 | 47816.95933 | 0 | 0 | 0 | 0 | 47816.95933 L'Estère | 977.0167818980001 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 977.0167818980001 St-Marc | 108495.14520513001 | 0 | 0 | 233049.46148000003 | 102631.83706 | 0 | 0 | 0 | 0 | 444176.44374513003 TOTAL | 2460773.5949689685 | 0 | 269662.948554654 | 1434393.76176 | 1722657.81257 | 287588 | 0 | 0 | 0 | 6175076.117853623 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 Port-au-Prince,ses environs et Provinces | 20074139.49719212 | 1426485.506972428 | 1619898.8117202423 | 14786946.02069 | 22792767.486390002 | 5535253 | 1083757.22143 | 3912349 | 3211364 | 74442960.54439479 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 DÉCEMBRE 2014 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL Siège Social | 1005587.4717766531 | 168493.92819 | 279616.70292267797 | 1229100.1973700002 | 2060038.74 | 396305 | 182935.63816 | 294638 | 520343 | 6137058.678419331 Place Geffrard | 0 | 0 | 0 | 1941287.0628799999 | 0 | 0 | 0 | 0 | 0 | 1941287.0628799999 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 390611.511338355 | 0 | 0 | 490376.9525700001 | 0 | 0 | 0 | 0 | 0 | 880988.4639083551 Pavée 1 | 197845.814071475 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 197845.814071475 Pavée 2 | 192765.69726688002 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 192765.69726688002 Delmas | 695534.606300716 | 31111.0233 | 0 | 1103019.45895 | 2547633.3184999996 | 327967 | 169414.94489 | 0 | 367273 | 5241953.351940716 Delmas 52 | 304405.841590786 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 304405.841590786 Delmas 2 | 273070.644738371 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 273070.644738371 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 319339 | 0 | 0 | 0 | 319339 Delmas 32 | 118058.11997155902 | 0 | 0 | 0 | 1297953.88536 | 0 | 0 | 0 | 0 | 1416012.0053315589 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 8628 | 0 | 0 | 0 | 8628 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 169414.94489 | 0 | 0 | 169414.94489 Delmas 48 | 0 | 0 | 0 | 328435.37087 | 0 | 0 | 0 | 0 | 0 | 328435.37087 Delmas-Aéroport | 0 | 0 | 0 | 774584.08808 | 0 | 0 | 0 | 0 | 0 | 774584.08808 Delmas 16 | 0 | 0 | 0 | 0 | 551609.36265 | 0 | 0 | 0 | 0 | 551609.36265 Delmas 71 | 0 | 0 | 0 | 0 | 685910.8621 | 0 | 0 | 0 | 0 | 685910.8621 Kiosque Mégamart | 0 | 0 | 0 | 0 | 12159.20839 | 0 | 0 | 0 | 0 | 12159.20839 Pétion-Ville | 937130.657996636 | 222467.74834 | 358706.686923869 | 2687102.6963299997 | 2024530.58873 | 732081 | 0 | 0 | 498168 | 7460187.378320505 P-V 1 | 368503.882930385 | 0 | 0 | 1078964.6791599998 | 1546681.90961 | 361946 | 0 | 0 | 0 | 3356096.4717003847 Place Boyer | 212738.869967344 | 0 | 0 | 0 | 0 | 125769 | 0 | 0 | 0 | 338507.869967344 Choucoune Plaza | 288518.672974566 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 288518.672974566 P-V 2 | 67369.232124341 | 0 | 0 | 236788.73862000002 | 164573.99004 | 244366 | 0 | 0 | 0 | 713097.960784341 P-V 3 | 0 | 0 | 0 | 862681.72851 | 313274.68908 | 0 | 0 | 0 | 0 | 1175956.41759 P-V 4 | 0 | 0 | 0 | 508667.55003999994 | 0 | 0 | 0 | 0 | 0 | 508667.55003999994 Lalue | 208058.28622128404 | 0 | 128154.090811459 | 975838.3694 | 674699.6858999999 | 0 | 0 | 0 | 0 | 1986750.432332743 Champs de Mars | 294415.46639977 | 0 | 0 | 408596.36415000004 | 0 | 0 | 0 | 0 | 0 | 703011.83054977 Laboule | 0 | 0 | 0 | 0 | 67037.55429999999 | 191491 | 0 | 0 | 0 | 258528.5543 Aéroport | 70044.01867883501 | 20675.47492 | 0 | 435622.62814 | 136024.73127000002 | 210216 | 0 | 0 | 0 | 872582.853008835 Aéroport 2 | 0 | 0 | 0 | 367131.37262 | 0 | 26982 | 0 | 0 | 0 | 394113.37262 Carrefour | 453350.30801452405 | 0 | 94589.65069892099 | 868632.3268699999 | 0 | 95038 | 0 | 0 | 303445 | 1815055.2855834449 Arcachon | 253655.735359737 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 253655.735359737 Carrefour | 199694.572654787 | 0 | 0 | 539292.7155699999 | 0 | 0 | 0 | 0 | 0 | 738987.2882247869 Truitiers | 0 | 0 | 0 | 329339.6113 | 0 | 0 | 0 | 0 | 0 | 329339.6113 Thor | 0 | 0 | 0 | 0 | 527851.4903899999 | 0 | 0 | 0 | 0 | 527851.4903899999 Diquini | 0 | 0 | 0 | 386253.07765 | 0 | 23185 | 0 | 0 | 0 | 409438.07765 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 174657.74276999998 | 0 | 0 | 0 | 0 | 0 | 174657.74276999998 Clercine | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 215076 | 0 | 0 | 0 | 215076 Parc Industriel | 169720.99492375 | 97232.16549 | 130255.85093086898 | 0 | 0 | 0 | 0 | 0 | 0 | 397209.011344619 Varreux | 0 | 0 | 0 | 0 | 633360.39365 | 0 | 0 | 0 | 0 | 633360.39365 Rue Charéron | 124207.44989154198 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 124207.44989154198 Bourdon | 0 | 0 | 0 | 0 | 256189.70122999998 | 0 | 0 | 0 | 0 | 256189.70122999998 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 48265.17925 | 0 | 0 | 0 | 0 | 48265.17925 Canapé-Vert | 0 | 0 | 0 | 0 | 619032.6681799999 | 0 | 0 | 0 | 0 | 619032.6681799999 Rue Capois | 0 | 0 | 0 | 0 | 983619.7198300001 | 0 | 0 | 0 | 0 | 983619.7198300001 Damien | 187291.87731551702 | 0 | 0 | 388219.55896000005 | 686777.24168 | 0 | 0 | 0 | 0 | 1262288.677955517 Frères | 0 | 0 | 0 | 511108.72592 | 703336.48639 | 0 | 0 | 0 | 0 | 1214445.2123099999 Portail Léogane | 0 | 0 | 0 | 99207.89974 | 335232.06122000003 | 0 | 0 | 0 | 0 | 434439.96096000005 Croix des Bossales | 0 | 0 | 0 | 0 | 38494.85441 | 0 | 0 | 0 | 0 | 38494.85441 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 326748.32084 | 0 | 0 | 0 | 0 | 326748.32084 Martissant | 0 | 0 | 0 | 381941.0211 | 517199.68004 | 0 | 0 | 0 | 0 | 899140.70114 Nazon | 0 | 0 | 0 | 0 | 244820.29925 | 0 | 0 | 0 | 0 | 244820.29925 Croix des Bouquets | 322052.372865577 | 0 | 0 | 308592.38594 | 492416.31419 | 0 | 0 | 0 | 0 | 1123061.072995577 Lathan | 0 | 0 | 0 | 330055.03193 | 364570.06147 | 0 | 0 | 0 | 0 | 694625.0934 Turgeau | 106616.188301849 | 0 | 0 | 676894.59611 | 529126.24632 | 0 | 156468.85567 | 0 | 0 | 1469105.8864018489 Turgeau 2 | 0 | 0 | 0 | 58.82821 | 0 | 0 | 0 | 0 | 58.82821 Tabarre | 25931.339251779 | 39952.24081 | 0 | 0 | 240918.02594 | 88238 | 0 | 0 | 0 | 395039.606001779 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Sans Fil | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avenue Christophe | 0 | 0 | 0 | 0 | 89770.62989 | 0 | 0 | 0 | 0 | 89770.62989 Autres succursales non précisées | 3122.826998732 | 0 | 0 | 0 | 247196.18778 | 0 | 0 | 0 | 0 | 250319.014778732 TOTAL | 4993675.37627552 | 579932.58105 | 991322.982287796 | 13763696.297609998 | 15394890.18065 | 2306579 | 508819.43872 | 294638 | 1689229 | 40522782.85659331 VILLES DE PROVINCES Aquin | 342994.154253536 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 342994.154253536 Jacmel | 306013.051423315 | 0 | 0 | 431962.97469999996 | 330817.31587 | 0 | 0 | 0 | 0 | 1068793.341993315 Hinche | 182958.731478227 | 0 | 0 | 0 | 128635.88286 | 58118 | 0 | 0 | 0 | 369712.614338227 Cap-Haïtien | 483669.1876379 | 0 | 308541.670003584 | 1399558.08811 | 1002400.85476 | 131139 | 0 | 0 | 0 | 3325308.800511484 Cap-Haïtien 1 | 482898.618087778 | 0 | 0 | 920893.8055599999 | 673936.5357799999 | 0 | 0 | 0 | 0 | 2077728.9594277777 Cap-Haïtien 2 | 770.5695501220001 | 0 | 0 | 478664.28254999995 | 328464.31898000004 | 0 | 0 | 0 | 0 | 807899.171080122 Cayes | 485765.676298413 | 0 | 189299.875808189 | 473240.6226400001 | 584492.68499 | 83899 | 0 | 0 | 0 | 1816697.859736602 Cayes 1 | 403882.644091384 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 403882.644091384 Cayes 2 | 81883.032207029 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 81883.032207029 Cabaret | 289756.839147188 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 289756.839147188 Cap Saint-Michel | 0 | 0 | 0 | 162447.75733 | 0 | 0 | 0 | 0 | 0 | 162447.75733 Ouanaminthe | 51381.581799817 | 0 | 71174.232475889 | 202847.46111999996 | 131529.58111 | 0 | 0 | 0 | 0 | 456932.856505706 Fort-Liberté | 150270.614181992 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150270.614181992 Gonaïves | 423266.22678230406 | 0 | 164791.500348174 | 440377.28831 | 437232.54077 | 96848 | 0 | 0 | 0 | 1562515.556210478 Port-de-Paix | 457718.369846215 | 0 | 114896.694941596 | 255556.14696 | 372032.83449000004 | 0 | 0 | 0 | 0 | 1200204.046237811 Petit-Goave | 233541.582219726 | 0 | 0 | 176547.69479999997 | 159852.0482 | 0 | 0 | 0 | 0 | 569941.325219726 Miragoane | 165028.83839818902 | 0 | 0 | 175726.88282000003 | 185827.45308 | 0 | 0 | 0 | 0 | 526583.1742981891 Mirebalais | 0 | 0 | 0 | 100187.91681 | 227480.41580000002 | 0 | 0 | 0 | 0 | 327668.33261000004 Jérémie | 216214.68432215703 | 0 | 682.6796410800001 | 122647.77347 | 173009.60819 | 0 | 0 | 0 | 0 | 512554.74562323705 La Gonave | 0 | 0 | 0 | 0 | 140696.00892 | 0 | 0 | 0 | 0 | 140696.00892 Léogane | 350382.182208486 | 0 | 0 | 390959.63081 | 30019.25328 | 0 | 0 | 0 | 0 | 771361.066298486 Fonds-des-Nègres | 164529.500598973 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 164529.500598973 Limbé | 0 | 0 | 1124.665677782 | 0 | 199907.37097999998 | 0 | 0 | 0 | 0 | 201032.03665778198 Vertières | 0 | 0 | 0 | 0 | 248772.67209 | 0 | 0 | 0 | 0 | 248772.67209 L'Estère | 22963.62805242 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22963.62805242 St-Marc | 506225.22806142597 | 0 | 0 | 482588.19101999997 | 540572.06698 | 0 | 0 | 0 | 0 | 1529385.4860614259 TOTAL | 4832680.076710284 | 0 | 850511.3188962941 | 4814648.4289 | 4893278.592369999 | 370004 | 0 | 0 | 0 | 15761122.416876577 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 Port-au-Prince,ses environs et Provinces | 9826355.452985805 | 579932.58105 | 1841834.30118409 | 18578344.726509996 | 20288168.77302 | 2676583 | 508819.43872 | 294638 | 1689229 | 56283905.27346989 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 DÉCEMBRE 2014 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL Siège Social | 576776.4949819131 | 184033.82229 | 81940.298022058 | 4048096.70354 | 87603.70691000001 | 1278050 | 2620873.90285 | 381091 | 108688 | 9367153.92859397 Place Geffrard | 0 | 0 | 0 | 475057.49314000004 | 0 | 0 | 0 | 0 | 0 | 475057.49314000004 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 84860.64703227101 | 0 | 0 | 171593.55109 | 0 | 0 | 0 | 0 | 0 | 256454.198122271 Pavée 1 | 52285.02470030601 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 52285.02470030601 Pavée 2 | 32575.622331964998 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 32575.622331964998 Delmas | 219989.900715457 | 2967.55675 | 0 | 1346490.94515 | 473279.75192 | 49334 | 223368.79614 | 0 | 86363 | 2401793.950675457 Delmas 52 | 111037.14713614101 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 111037.14713614101 Delmas 2 | 99213.182318485 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 99213.182318485 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 49334 | 0 | 0 | 0 | 49334 Delmas 32 | 9739.571260831 | 0 | 0 | 0 | 136461.80609 | 0 | 0 | 0 | 0 | 146201.377350831 Delmas 55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 223368.79614 | 0 | 0 | 223368.79614 Delmas 48 | 0 | 0 | 0 | 71377.84219 | 0 | 0 | 0 | 0 | 0 | 71377.84219 Delmas-Aéroport | 0 | 0 | 0 | 1275113.10296 | 0 | 0 | 0 | 0 | 0 | 1275113.10296 Delmas 16 | 0 | 0 | 0 | 0 | 94394.20666 | 0 | 0 | 0 | 0 | 94394.20666 Delmas 71 | 0 | 0 | 0 | 0 | 242423.73917000002 | 0 | 0 | 0 | 0 | 242423.73917000002 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pétion-Ville | 869125.044921994 | 678695.98406 | 466073.342373048 | 893917.87663 | 2931540.78398 | 693757 | 0 | 0 | 60332 | 6593442.0319650415 P-V 1 | 139899.510831925 | 0 | 0 | 544562.29033 | 1699630.3675400002 | 494051 | 0 | 0 | 0 | 2878143.1687019253 Place Boyer | 70862.957604017 | 0 | 0 | 0 | 0 | 60014 | 0 | 0 | 0 | 130876.957604017 Choucoune Plaza | 652750.468077559 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 652750.468077559 P-V 2 | 5612.108408492999 | 0 | 0 | 19858.556409999997 | 912544.9500999999 | 139692 | 0 | 0 | 0 | 1077707.6149184927 P-V 3 | 0 | 0 | 0 | 234999.20441000003 | 319365.46634000004 | 0 | 0 | 0 | 0 | 554364.67075 P-V 4 | 0 | 0 | 0 | 94497.82548 | 0 | 0 | 0 | 0 | 0 | 94497.82548 Lalue | 33312.24466718 | 0 | 83062.520579979 | 234988.86168 | 182754.14592 | 0 | 0 | 0 | 0 | 534117.7728471591 Champs de Mars | 21293.947649613 | 0 | 0 | 289083.09137 | 0 | 0 | 0 | 0 | 0 | 310377.039019613 Laboule | 0 | 0 | 0 | 0 | 10358.03 | 17508 | 0 | 0 | 0 | 27866.03 Aéroport | 12821.150178008002 | 0 | 0 | 194398.38824 | 20025.21452 | 39763 | 0 | 0 | 0 | 267007.75293800805 Aéroport 2 | 0 | 0 | 0 | 50918.07957 | 0 | 8429 | 0 | 0 | 0 | 59347.07957 Carrefour | 46188.425884332 | 0 | 270564.572137909 | 344155.57855 | 0 | 33874 | 0 | 0 | 70220 | 765002.576572241 Arcachon | 17552.115549671 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17552.115549671 Carrefour | 28636.310334661 | 0 | 0 | 191237.38728 | 0 | 0 | 0 | 0 | 0 | 219873.697614661 Truitiers | 0 | 0 | 0 | 152918.19126999998 | 0 | 0 | 0 | 0 | 0 | 152918.19126999998 Thor | 0 | 0 | 0 | 0 | 130332.27881 | 0 | 0 | 0 | 0 | 130332.27881 Diquini | 0 | 0 | 0 | 55030.13488 | 0 | 100 | 0 | 0 | 0 | 55130.13488 Rue du Quai | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Carrefour-Feuilles | 0 | 0 | 0 | 21025.757810000003 | 0 | 0 | 0 | 0 | 0 | 21025.757810000003 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 34475 | 0 | 0 | 0 | 34475 Parc Industriel | 78265.52134416 | 5790.17886 | 107660.58051009601 | 0 | 0 | 0 | 0 | 0 | 0 | 191716.28071425602 Varreux | 0 | 0 | 0 | 0 | 266023.43293 | 0 | 0 | 0 | 0 | 266023.43293 Rue Charéron | 15350.73622505 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15350.73622505 Bourdon | 0 | 0 | 0 | 0 | 352532.25718 | 0 | 0 | 0 | 0 | 352532.25718 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 574.15139 | 0 | 0 | 0 | 0 | 574.15139 Canapé-Vert | 0 | 0 | 0 | 0 | 57145.06504 | 0 | 0 | 0 | 0 | 57145.06504 Rue Capois | 0 | 0 | 0 | 0 | 59496.47913 | 0 | 0 | 0 | 0 | 59496.47913 Damien | 35031.794898866996 | 0 | 0 | 131311.10384 | 161977.13358 | 0 | 0 | 0 | 0 | 328320.032318867 Frères | 0 | 0 | 0 | 138803.84674 | 236373.83748 | 0 | 0 | 0 | 0 | 375177.68422 Portail Léogane | 0 | 0 | 0 | 19605.253139999997 | 191598.57392000002 | 0 | 0 | 0 | 0 | 211203.82706 Croix des Bossales | 0 | 0 | 0 | 0 | 735.21252 | 0 | 0 | 0 | 0 | 735.21252 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 11044.73531 | 0 | 0 | 0 | 0 | 11044.73531 Martissant | 0 | 0 | 0 | 194710.54482999997 | 77988.01237000001 | 0 | 0 | 0 | 0 | 272698.5572 Nazon | 0 | 0 | 0 | 0 | 10644.87179 | 0 | 0 | 0 | 0 | 10644.87179 Croix des Bouquets | 12634.954984274 | 0 | 0 | 37775.86823000001 | 27708.54003 | 0 | 0 | 0 | 0 | 78119.363244274 Lathan | 0 | 0 | 0 | 48043.02297 | 36484.92463000001 | 0 | 0 | 0 | 0 | 84527.94760000001 Turgeau | 11975.910198872 | 0 | 0 | 108887.16745000001 | 125882.8342 | 0 | 108397.69636 | 0 | 0 | 355143.608208872 Turgeau 2 | 0 | 0 | 0 | 2493.54289 | 0 | 0 | 0 | 0 | 0 | 2493.54289 Tabarre | 77636.92576 | 0 | 0 | 0 | 74428.16315 | 46516 | 0 | 0 | 0 | 198581.08891 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Sans Fil | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avenue Christophe | 0 | 0 | 0 | 76308.18128 | 0 | 0 | 0 | 0 | 76308.18128 Autres succursales non précisées | 1513531.460524354 | 0 | 0 | 0 | 6127.17303 | 0 | 0 | 0 | 0 | 1519658.6335543538 TOTAL | 3608795.159966345 | 871487.5419600001 | 1009301.3136230902 | 8806386.81174 | 5608967.4910200015 | 2201806 | 2952640.3953500004 | 381091 | 325603 | 25766078.713659436 VILLES DE PROVINCES Aquin | 40177.316478412 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40177.316478412 Jacmel | 13663.997786852 | 0 | 0 | 26960.91548 | 35928.95786 | 0 | 0 | 0 | 0 | 76553.871126852 Hinche | 10633.799423605 | 0 | 0 | 0 | 10886.07215 | 927 | 0 | 0 | 0 | 22446.871573605 Cap-Haïtien | 27679.096616512 | 0 | 55332.889419938 | 408929.50965 | 253133.65058 | 3066 | 0 | 0 | 0 | 748141.14626645 Cap-Haïtien 1 | 27679.096616512 | 0 | 0 | 152359.10533000002 | 223194.23661 | 0 | 0 | 0 | 0 | 403232.438556512 Cap-Haïtien 2 | 0 | 0 | 0 | 256570.40432 | 29939.413969999998 | 0 | 0 | 0 | 0 | 286509.81829 Cayes | 50108.144459049 | 0 | 42255.338007579 | 21392.94433 | 80480.99548 | 235 | 0 | 0 | 0 | 194472.42227662797 Cayes 1 | 40772.727209049 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40772.727209049 Cayes 2 | 9335.41725 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9335.41725 Cabaret | 6761.443859165 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6761.443859165 Cap Saint-Michel | 0 | 0 | 0 | 6251.47609 | 0 | 0 | 0 | 0 | 0 | 6251.47609 Ouanaminthe | 158.07249 | 0 | 7914.763044114 | 1165.6706399999998 | 4635.69138 | 0 | 0 | 0 | 0 | 13874.197554114 Fort-Liberté | 1197.2533500000002 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1197.2533500000002 Gonaïves | 16432.853722775 | 0 | 106599.528185211 | 50794.68775 | 65993.03303 | 1624 | 0 | 0 | 0 | 241444.102687986 Port-de-Paix | 18609.619969173997 | 0 | 15538.229781711 | 29193.601130000003 | 165174.53063999998 | 0 | 0 | 0 | 0 | 228515.981520885 Petit-Goave | 3165.2632505949996 | 0 | 0 | 4084.7832799999996 | 10746.61908 | 0 | 0 | 0 | 0 | 17996.665610595 Miragoane | 5302.705163776 | 0 | 0 | 30088.72748 | 15715.13132 | 0 | 0 | 0 | 0 | 51106.563963776 Mirebalais | 0 | 0 | 0 | 38088.480090000005 | 27791.04983 | 0 | 0 | 0 | 0 | 65879.52992 Jérémie | 14054.393956439 | 0 | 135.84813 | 3035.94906 | 4539.14469 | 0 | 0 | 0 | 0 | 21765.335836439 La Gonave | 0 | 0 | 0 | 0 | 16658.26229 | 0 | 0 | 0 | 0 | 16658.26229 Léogane | 29398.810131228 | 0 | 0 | 28639.598810000003 | 6425.57485 | 0 | 0 | 0 | 0 | 64463.983791228 Fonds-des-Nègres | 20477.850031135 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20477.850031135 Limbé | 0 | 0 | 0 | 0 | 23385.563710000002 | 0 | 0 | 0 | 0 | 23385.563710000002 Vertières | 0 | 0 | 0 | 0 | 20637.28216 | 0 | 0 | 0 | 0 | 20637.28216 L'Estère | 211.87128 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 211.87128 St-Marc | 108678.17017617599 | 0 | 0 | 24315.006530000002 | 52741.0914 | 0 | 0 | 0 | 0 | 185734.268106176 TOTAL | 366710.66214489297 | 0 | 227776.596568553 | 672941.3503200001 | 794872.65045 | 5852 | 0 | 0 | 0 | 2068153.2594834457 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 Port-au-Prince,ses environs et Provinces | 3975505.822111238 | 871487.5419600001 | 1237077.910191643 | 9479328.16206 | 6403840.141470001 | 2207658 | 2952640.3953500004 | 381091 | 325603 | 27834231.97314288 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 194800720.1381073 | 0 | 0 | 0 | 0 | 0 | 0 | 0.001537390369859163 | 194501695.1051314 | 0.10555024431851653 | 175932026.70316097 | 0.03152237928367091 | 170555705.078677 | 0.10753834844414593 | 153995304.37774116 Bons B.R.H. | 6608224 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4657077489350801 | 4508555 | -0.24162045825178702 | 5944985 | -0.051754811461859465 | 6269459.705 | -0.009238391069924313 | 6327919.5 Prêts Nets | 69792588.75585549 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02367824682048845 | 68178247.38645078 | 0.09671314264939196 | 62165980.08641415 | 0.19872312239453824 | 51860165.97580349 | 0.3401493117648102 | 38697304.487296335 Dépôts | 158561095.82116175 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006423224157011267 | 157549122.4916574 | 0.081726793853273 | 145645946.26564053 | -0.008118796996596764 | 146838094.9499058 | 0.08328426783469621 | 135548996.0575266 Avoir des Actionnaires | 15511053.53799 | 0 | 0 | 0 | 0 | 0 | 0 | 0.051562227312665965 | 14750485.644229997 | 0.1291015885624811 | 13063913.64041 | 0.19663519145270492 | 10917206.625480002 | 0.14864347712083972 | 9504434.44196 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 1543948.788235432 | 0.19261226771326667 | 1294594.0856334 | 0 | 0 | 1257049.0264760759 | 0 | 0 | 1414378.9335968923 | 0 | 0 | 1438729.385944061 | 1543948.788235432 | 0.19261226771326667 | 1294594.0856334 Autres revenus | 1266335.81712 | 0.15941239199942578 | 1092222.0823741439 | 0 | 0 | 1280507.1813258561 | 0 | 0 | 1489120.706074962 | 0 | 0 | 1562770.359203298 | 1266335.81712 | 0.15941239199942578 | 1092222.0823741439 Dot. à la provision pr créances douteuses | 144566.41715000002 | 0.2028138962902788 | 120190.17871000001 | 0 | 0 | 167255.62315 | 0 | 0 | 151939.96359000003 | 0 | 0 | 200908.83707 | 144566.41715000002 | 0.2028138962902788 | 120190.17871000001 Dépenses d'exploitation | 1800367.1200799998 | 0.12630613855963618 | 1598470.48546 | 0 | 0 | 1672456.2035849795 | 0 | 0 | 1737981.8244971638 | 0 | 0 | 1968355.388687857 | 1800367.1200799998 | 0.12630613855963618 | 1598470.48546 Bénéfice net | 752527.0744754324 | 0.28948319521347615 | 583588.1206275435 | 0 | 0 | 642432.5937669526 | 0 | 0 | 882822.3742146906 | 0 | 0 | 743188.6803095022 | 752527.0744754324 | 0.28948319521347615 | 583588.1206275435 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumul) Structure financière Avoir des actionnaires en % de l'actif | 0.07962523715001245 | 0.0782 | 0 | 0.07700435049663239 | 0 | 0.07635740754332587 | 0 | 0.0758 | 0.07962523715001245 | 0.0782 | 0.0758 | 0.07425546039125622 | 0.064 | 0.061718988642966655 Dépôts en % de l'actif | 0.8139656553053148 | 0.825 | 0 | 0.8325331064551845 | 0 | 0.8227065418823759 | 0 | 0.8100141358999442 | 0.8139656553053148 | 0.825 | 0.81 | 0.8278535124896831 | 0.8609 | 0.8802151247744094 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.04258603198009489 | 0.04265788229027241 | 0 | 0.046435050386389516 | 0 | 0.03275416477249695 | 0 | 0.03 | 0.04258603198009489 | 0.04265788229027241 | 0.03 | 0.02434823321191487 | 0.0242 | 0.03693910820920716 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.5488372868420589 | 0.41541851744729047 | 0 | 0.4648522072297681 | 0 | 0.6933448337478265 | 0 | 0.7208 | 0.5488372868420589 | 0.41541851744729047 | 0.7208 | 0.7218927134547963 | 0.9666 | 0.9310498618216747 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.08851962626544031 | 0.1175 | 0 | 0.11661073969908942 | 0 | 0.04710549301294381 | 0 | 0.0395 | 0.08851962626544031 | 0.1175 | 0.0395 | 0.032799007361478734 | 0.0039 | 0.010739280738021589 Rentabilité ROA (rendement de l'actif) | 0.01546411314207231 | 0.013276041832199005 | 0 | 0.014403653596044055 | 0 | 0.019375692763600655 | 0 | 0.01573201148388412 | 0.01546411314207231 | 0.0133 | 0.0154 | 0.01512702513099098 | 0.0138 | 0.01375625359100056 ROE ( rendement avoir des action.) | 0.19893953706560322 | 0.17461185542831975 | 0 | 0.1860909612543318 | 0 | 0.2526864231541133 | 0 | 0.20871037822334018 | 0.1989395370656032 | 0.1741 | 0.2051 | 0.21856062469687987 | 0.2193 | 0.22160907348595255 Revenus nets d'intérêts en % des revenus d'intérêt | 0.8762337052957055 | 0.9133304591126787 | 0 | 0.9044015282494487 | 0 | 0.8787857547409763 | 0 | 0.8710573464584173 | 0.8762337052957054 | 0.9133304591126787 | 0.8906 | 0.9295607228943829 | 0.9244 | 0.9135514299748809 Rendement moyen des prêts | 0.08374409900710625 | 0.07745934767528558 | 0 | 0.07554203671422424 | 0 | 0.0865427375155552 | 0 | 0.08425626589859647 | 0.08374409900710626 | 0.0775 | 0.0796 | 0.07714370835107429 | 0.0807 | 0.09154673634190617 Rendement moyen des prêts productifs | 0.08690340952233941 | 0.08015318107111845 | 0 | 0.07906488003982544 | 0 | 0.09010941851009831 | 0 | 0.08692746562314826 | 0.08690340952233941 | 0.0802 | 0.0818 | 0.07906342745986583 | 0.0832 | 0.09590991733150718 Rémunération moyenne des dépôts | 0.005519081124652306 | 0.0033816860315593737 | 0 | 0.0035944200531892673 | 0 | 0.005173756600274938 | 0 | 0.005523714518831195 | 0.005519081124652305 | 0.0034 | 0.0044 | 0.0025246368645317776 | 0.0023 | 0.0025944852410875016 Dépenses d'exploitation en % du produit net bancaire | 0.6406351572538673 | 0.6697082527283048 | 0 | 0.6590814416023065 | 0 | 0.5985817255667323 | 0 | 0.6557906232942959 | 0.6406351572538673 | 0.6697082527283046 | 0.6443 | 0.6505758523215176 | 0.6672 | 0.677513733423477 (marge nette d'int.+autres revenus) Productivité par employé ('000 gdes) | 1340.2 | 1340.2 | 1160.73 | 1160.73 | 1160.73 | 1160.73 | 1160.73 | 1160.73 | 2624.288180558359 | 2386.82 | 2457.608577367508 | 2457.608577367508 | 2166.8747591551023 | 2166.8747591551023 Productivité par Employé ('000 gdes) | 2624.288180558359 | 2386.8161680075436 | 0 | 2485.3635727736846 | 0 | 2787.136683150328 | 0 | 2839.3044769042062 | 2624.288180558359 | 2386.82 | 2619.9 | 2457.608577367508 | 2223.36 | 2166.8747591551023 Nombre de succursales autorisées | 0 | 116 | 0 | 145 | 159 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 139 | 115 A partir du Trim 2 1998, les prêts improductifs désignent les prêts dont le principal ou les intérêts sont dus et impayés depuis 90 jours ou plus. Avant cette date, ce rapport considérait les prêts échus depuis plus de 15 jours. [partdemarc. ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage) AU 31 DÉCEMBRE 2014 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 59051093.044344425 | 0.30313590731327456 | 1 | UNIBK | 24187118.40039 | 0.33845710678062296 | 1 | UNIBK | 49484776.08287579 | 0.31208649149781853 | 1 | UNIBK | 30680322.285385784 | 0.3422280374603663 | 1 SOGEBK | 53105996.676800005 | 0.2726170449429017 | 2 | SOGEBK | 19826802.61067 | 0.2774419894603761 | 2 | SOGEBK | 42844618.908360004 | 0.27020889762696704 | 2 | SOGEBK | 25516968.38644 | 0.28463266883572647 | 2 BNC | 42887715.97807 | 0.22016199913257004 | 3 | BNC | 10813284.87502 | 0.15131331699004405 | 3 | BNC | 33876000.77137 | 0.21364635881161 | 3 | BNC | 14356274.529310001 | 0.16013911495800398 | 3 CAPITALBK | 12315640 | 0.06322173753397121 | 4 | CAPITALBK | 5676483 | 0.07943261289192732 | 4 | CAPITALBK | 10419494 | 0.06571280266473412 | 4 | CAPITALBK | 6623756 | 0.07388563247186312 | 4 CBNA | 6360128 | 0.032649407022165414 | 5 | SOGEBL | 3411437.504776 | 0.047737198318373274 | 5 | SCOTIA | 5226196 | 0.03296014052459964 | 5 | SOGEBL | 3332456.9353400003 | 0.03717236690977787 | 5 SCOTIA | 6133682 | 0.03148695752074952 | 6 | BUH | 2322919.1499111876 | 0.03250525679617824 | 6 | BUH | 4698809.373095975 | 0.02963406218127856 | 6 | SCOTIA | 2652874 | 0.02959186198256117 | 6 SOGEBL | 6113904.231806001 | 0.03138542931192166 | 7 | SCOTIA | 2144425 | 0.030007538276917458 | 7 | CBNA | 4588078 | 0.02893571071919692 | 7 | BUH | 2497761.247505975 | 0.02786163462779861 | 7 BUH | 5633680.902606895 | 0.028920226263089793 | 8 | CBNA | 1798983 | 0.025173671838382688 | 8 | SOGEBL | 4545217.055470001 | 0.02866539886049016 | 8 | CBNA | 2092611 | 0.023342328318340527 | 8 BPH | 3198879.30448 | 0.016421290959356308 | 9 | BPH | 1281422.89417 | 0.01793130864717797 | 9 | BPH | 2877905.6299900003 | 0.01815013711330514 | 9 | BPH | 1895744.64459 | 0.021146354435561867 | 9 TOTAL | 194800720.13810733 | 1.0000000000000002 | TOTAL | 71462876.4349372 | 1.0000000000000002 | TOTAL | 158561095.82116178 | 0.9999999999999999 | TOTAL | 89648769.02857177 | 0.9999999999999998 AU 30 SEPTEMBRE 2014 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 59077362.73437446 | 0.3037370070345257 | 1 | UNIBK | 22587458.600659996 | 0.32414459685084956 | 1 | UNIBK | 48486999.598265424 | 0.3077579794253244 | 1 | UNIBK | 30907445.003855422 | 0.34208970830198476 | 1 SOGEBK | 52053383.62453 | 0.26762431862814506 | 2 | SOGEBK | 19519215.03672 | 0.2801133230959313 | 2 | SOGEBK | 41458042.76589319 | 0.2631435968047901 | 2 | SOGEBK | 24528341.48722319 | 0.27148453013340196 | 2 BNC | 44677768.61994 | 0.22970374934671353 | 3 | BNC | 11521904.2865 | 0.16534675661973275 | 3 | BNC | 35961593.23342 | 0.22825638546685173 | 3 | BNC | 15463745.28704 | 0.17115578831701642 | 3 CAPITALBK | 11982488 | 0.061606085199017245 | 4 | CAPITALBK | 5447996 | 0.07818225583879725 | 4 | CAPITALBK | 10146098 | 0.06439958432987945 | 4 | CAPITALBK | 6454239 | 0.07143679254451071 | 4 CBNA | 7089895 | 0.03645158463101206 | 5 | SOGEBL | 3248793.208827 | 0.04662227758975219 | 5 | CBNA | 5538270 | 0.03515265532686965 | 5 | CBNA | 3390250 | 0.03752395687919636 | 5 SCOTIA | 5905326 | 0.030361308660102285 | 6 | BUH | 2301326.761548287 | 0.03302552308042056 | 6 | SCOTIA | 5024768 | 0.031893341711668834 | 6 | SOGEBL | 3076192.3679899997 | 0.03404790495349006 | 6 SOGEBL | 5665677.654047 | 0.029129194226223107 | 7 | SCOTIA | 2239595 | 0.03213963249335923 | 7 | SOGEBL | 4094458.08795 | 0.025988453779974625 | 7 | SCOTIA | 2608779 | 0.028874481440410885 | 7 BUH | 4984964.205549934 | 0.025629412652961602 | 8 | CBNA | 1447380 | 0.020770836369182054 | 8 | BUH | 4083025.7848088127 | 0.02591589036000513 | 8 | BUH | 2111983.0222688126 | 0.02337584539700899 | 8 BPH | 3064829.2666900004 | 0.015757339621299493 | 9 | BPH | 1369610.7905000001 | 0.019654798061975145 | 9 | BPH | 2755867.0213200003 | 0.01749211279463603 | 9 | BPH | 1807972.06324 | 0.020010992032979704 | 9 TOTAL | 194501695.1051314 | 1.0000000000000002 | TOTAL | 69683279.68475528 | 1 | TOTAL | 157549122.49165744 | 0.9999999999999998 | TOTAL | 90348947.23161744 | 1 AU 30 SEPTEMBRE 2013 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 53646035.588584416 | 0.3049247859748583 | 1 | UNIBK | 20138504.26199 | 0.3182533844250607 | 1 | UNIBK | 45712814.62516805 | 0.3138625948558391 | 1 | UNIBK | 29463852.066798046 | 0.36682802925471025 | 1 SOGEBK | 47242844.15524001 | 0.2685289599656001 | 2 | SOGEBK | 19055477.5 | 0.3011380650377721 | 2 | SOGEBK | 38659805.48589411 | 0.2654368794815842 | 2 | SOGEBK | 22767805.04199411 | 0.28346154586560773 | 2 BNC | 42562734.95922 | 0.24192715650933427 | 3 | BNC | 10260466.46941 | 0.16214849609426307 | 3 | BNC | 34943124.978070006 | 0.23991828041913357 | 3 | BNC | 12384722.066070002 | 0.15419108058457937 | 3 CAPITALBK | 10321926 | 0.05866996585798182 | 4 | CAPITALBK | 4747381 | 0.07502394670178605 | 4 | CAPITALBK | 8746876 | 0.06005574630993684 | 4 | CAPITALBK | 5702610 | 0.07099808888415778 | 4 SCOTIA | 5828831 | 0.03313115360078594 | 5 | SOGEBL | 2596651.3525900003 | 0.04103547465009293 | 5 | SCOTIA | 4709054 | 0.032332200934801554 | 5 | CBNA | 2413147 | 0.030043931672784685 | 5 CBNA | 5336958 | 0.03033534087005496 | 6 | SCOTIA | 2286119 | 0.036128060926633114 | 6 | CBNA | 4192263 | 0.028783931908093214 | 6 | SCOTIA | 2283561 | 0.028430572466010513 | 6 SOGEBL | 4229765.22964 | 0.02404204230976442 | 7 | BUH | 1434132.415562616 | 0.022663922257024113 | 7 | BUH | 3559859.337778352 | 0.024441870364765257 | 7 | SOGEBL | 2122462.61261 | 0.02642488075168853 | 7 BUH | 4047813.4373765527 | 0.023007825881561483 | 8 | BPH | 1422764.27502 | 0.022484268934451598 | 8 | SOGEBL | 2799809.75433 | 0.01922339636712914 | 8 | BUH | 1841470.0082183518 | 0.022926493539098286 | 8 BPH | 2715118.3330999995 | 0.01543276903005868 | 9 | CBNA | 1336713 | 0.02112438097291634 | 9 | BPH | 2322339.0844 | 0.015945099358717033 | 9 | BPH | 1340982.9084700001 | 0.01669537698136283 | 9 TOTAL | 175932026.70316097 | 0.9999999999999998 | TOTAL | 63278209.27457262 | 0.9999999999999999 | TOTAL | 145645946.26564053 | 1 | TOTAL | 80320612.70416051 | 0.9999999999999999 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE PREMIER TRIMESTRE DE L'EXERCICE 2013-2014 AU 31 DÉCEMBRE 2014 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 53253894.90986075 | 0.2970271288953996 | 1 | UNIBK | 930707.57854 | 0.3311791185726857 | 1 | UNIBK | 341723.59332 | 0.45410139370494673 | 1 SOGEBK | 49224904.13571 | 0.2745551657832619 | 2 | SOGEBK | 755047.8829 | 0.26867310216948825 | 2 | BNC | 180285.65386000002 | 0.2395736445571379 | 2 BNC | 39696352.81928 | 0.22140903919773727 | 3 | BNC | 442783.04968 | 0.15755808106987043 | 3 | SOGEBK | 82636.49410000013 | 0.10981198803724632 | 3 CAPITALBK | 11241298 | 0.06269908474580585 | 4 | CAPITALBK | 301834 | 0.10740335673647025 | 4 | CAPITALBK | 73151 | 0.09720713377786672 | 4 CBNA | 5969953 | 0.03329780858718254 | 5 | BUH | 108327.53148543199 | 0.03854681880938219 | 5 | SCOTIA | 23135.7 | 0.03074401012897419 | 5 SCOTIA | 5860923 | 0.032689686534921734 | 6 | CBNA | 88751 | 0.031580787166848236 | 6 | SOGEBL | 20053.29414000001 | 0.02664793709113876 | 6 SOGEBL | 5620214.481330001 | 0.03134711881621811 | 7 | SCOTIA | 73832 | 0.02627207218062601 | 7 | CBNA | 19669 | 0.026137265577734554 | 7 BUH | 5351009.430947298 | 0.029845609802940102 | 8 | SOGEBL | 65156.22711000001 | 0.02318492119475541 | 8 | BUH | 13400.425875431989 | 0.017807234224460417 | 8 BPH | 3071116.8196713077 | 0.017129357636532814 | 9 | BPH | 43845.33563999999 | 0.015601742099873413 | 9 | BPH | -1528.0868200000077 | -0.002030607099505621 | 9 TOTAL | 179289666.59679937 | 1 | TOTAL | 2810284.605355432 | 0.9999999999999999 | TOTAL | 752527.0744754322 | 1.0000000000000002 POUR LE QUATRIÈME TRIMESTRE DE L'EXERCICE 2012-2013 AU 30 SEPTEMBRE 2014 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 53621672.677091986 | 0.2983104973379805 | 1 | UNIBK | 1031874.7319700001 | 0.34378638000495315 | 1 | UNIBK | 460375.77357 | 0.619460152942959 | 1 SOGEBK | 48285943.54965319 | 0.2686265294533491 | 2 | SOGEBK | 845862.487906298 | 0.281813279935751 | 2 | SOGEBK | 141611.24205629807 | 0.1905454776266558 | 2 BNC | 41641092.82187001 | 0.2316595974950985 | 3 | BNC | 468937.71445 | 0.15623446752182799 | 3 | CAPITALBK | 61557 | 0.08282822603590315 | 3 CAPITALBK | 10973298 | 0.061047144193551714 | 4 | CAPITALBK | 289366 | 0.09640713795422745 | 4 | BNC | 49238.8267700001 | 0.06625346708657419 | 4 CBNA | 6720387 | 0.03738715873983103 | 5 | BUH | 116414.14725106102 | 0.038785326382010286 | 5 | SOGEBL | 14682.230319999993 | 0.019755723827609373 | 5 SCOTIA | 5658092 | 0.03147735149308634 | 6 | CBNA | 76960 | 0.02564051525389073 | 6 | BUH | 11977.095603203867 | 0.01611582081446126 | 6 SOGEBL | 5199501.876639999 | 0.028926102325653125 | 7 | SCOTIA | 70254 | 0.023406298838966208 | 7 | CBNA | 8366 | 0.011256899118156598 | 7 BUH | 4715693.1596119385 | 0.026234555945475597 | 8 | SOGEBL | 59959.54758 | 0.01997652929237756 | 8 | BPH | 2261.0119900000063 | 0.003042312201335473 | 8 BPH | 2935528.328121058 | 0.016331063015974052 | 9 | BPH | 41871.115990000006 | 0.013950064815995623 | 9 | SCOTIA | -6880.500000000003 | -0.009258079653654853 | 9 TOTAL | 179751209.4129882 | 1 | TOTAL | 3001499.745147359 | 0.9999999999999999 | TOTAL | 743188.6803095021 | 0.9999999999999999 POUR LE QUATRIÈME TRIMESTRE DE L'EXERCICE 2011- 2012 AU 30 SEPTEMBRE 2013 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 48902088.73934069 | 0.3002557578065366 | 1 | UNIBK | 936581.0012299999 | 0.34766189432664807 | 1 | UNIBK | 430432.93616999994 | 0.5926773194935983 | 1 SOGEBK | 43767514.2483541 | 0.26872979246336226 | 2 | SOGEBK | 697346.1572399999 | 0.2588571471224301 | 2 | SOGEBK | 126090.70348999977 | 0.17361845220877808 | 2 BNC | 39878656.353750005 | 0.244852448892822 | 3 | BNC | 429496.34313999995 | 0.1594304305407872 | 3 | BNC | 99978.22499999998 | 0.1376633185368628 | 3 CAPITALBK | 9449179 | 0.05801736642410876 | 4 | CAPITALBK | 242597 | 0.09005279038032687 | 4 | BUH | 46075.040088946815 | 0.06344224375221115 | 4 SCOTIA | 5570871 | 0.03420479854476682 | 5 | BUH | 149741.63901394184 | 0.05558458030943944 | 5 | CAPITALBK | 44119 | 0.060748907579904046 | 5 CBNA | 5099145 | 0.031308430490592044 | 6 | SCOTIA | 72013 | 0.026731458318357104 | 6 | SOGEBL | 17108.559519999966 | 0.023557340399958417 | 6 BUH | 3894192.897101139 | 0.02391010015127012 | 7 | SOGEBL | 64100.08396999997 | 0.023794158316515695 | 7 | BPH | -2678.1215199999897 | -0.0036875939324606524 | 7 SOGEBL | 3786820.5368359997 | 0.023250840593447796 | 8 | CBNA | 62590 | 0.02323361026684031 | 8 | CBNA | -14572 | -0.02006466785861787 | 8 BPH | 2519645.3844986293 | 0.015470464633093668 | 9 | BPH | 39476.83956000001 | 0.014653930418655118 | 9 | SCOTIA | -20302.6 | -0.02795532018023436 | 9 TOTAL | 162868113.15988055 | 1.0000000000000002 | TOTAL | 2693942.064153942 | 1 | TOTAL | 726251.7427489465 | 1.0000000000000002 [partdemarc. (3)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) CUMUL 2015 (octobre - décembre 14) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 930707.57854 | 0.3311791185726857 | 1 | UNIBK | 341723.59332 | 0.45410139370494657 | 1 SOGEBK | 755047.8829 | 0.26867310216948825 | 2 | BNC | 180285.65386000002 | 0.2395736445571378 | 2 BNC | 442783.04968 | 0.15755808106987043 | 3 | SOGEBK | 82636.49410000013 | 0.10981198803724629 | 3 CAPITALBK | 301834 | 0.10740335673647025 | 4 | CAPITALBK | 73151 | 0.09720713377786667 | 4 BUH | 108327.53148543199 | 0.03854681880938219 | 5 | SCOTIA | 23135.7 | 0.03074401012897418 | 5 CBNA | 88751 | 0.031580787166848236 | 6 | SOGEBL | 20053.29414000001 | 0.026647937091138753 | 6 SCOTIA | 73832 | 0.02627207218062601 | 7 | CBNA | 19669 | 0.026137265577734544 | 7 SOGEBL | 65156.22711000001 | 0.02318492119475541 | 8 | BUH | 13400.425875431989 | 0.01780723422446041 | 8 BPH | 43845.33563999999 | 0.015601742099873413 | 9 | BPH | -1528.0868200000077 | -0.00203060709950562 | 9 TOTAL | 2810284.605355432 | 0.9999999999999999 | TOTAL | 752527.0744754322 | 0.9999999999999999 CUMUL 2014 (octobre - décembre 13) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 746887.8181599999 | 0.31292222173251144 | 1 | UNIBK | 254369.32791999995 | 0.4358713259044268 | 1 SOGEBK | 662273.5812299999 | 0.2774715498021994 | 2 | BNC | 119862.40639999995 | 0.20538870166018733 | 2 BNC | 394058.59838999994 | 0.16509800950399564 | 3 | SOGEBK | 100665.4548699999 | 0.17249400957948288 | 3 CAPITALBK | 245611 | 0.10290319099230424 | 4 | CAPITALBK | 56803 | 0.09733405803209058 | 4 BUH | 95645.105087544 | 0.04007225456637752 | 5 | CBNA | 21970 | 0.03764641400920779 | 5 CBNA | 79889 | 0.033470948064965304 | 6 | SOGEBL | 11362.516049999987 | 0.019470094829520612 | 6 SCOTIA | 68991 | 0.02890503295760394 | 7 | BUH | 7801.930457544004 | 0.013368898683466067 | 7 SOGEBL | 49584.09137999999 | 0.02077415598428411 | 8 | BPH | 6802.374929999998 | 0.011656123025063076 | 8 BPH | 43875.97375999999 | 0.018382636395758368 | 9 | SCOTIA | 3951.1100000000033 | 0.006770374276555353 | 9 TOTAL | 2386816.168007544 | 1 | TOTAL | 583588.1206275439 | 1.0000000000000002 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 31 DÉCEMBRE 2014 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 24056419.86524 | 1 | CBNA | 55353.32307692308 | 1 | CBNA | 4588078 | 1 | CBNA | 141171.63076923077 | 1 SOGEBK | 19215072.52599 | 2 | SOGEBL | 50539.81488557037 | 2 | SOGEBL | 1515072.3518233337 | 2 | SOGEBL | 67336.54896992593 | 2 BNC | 10524694.186369998 | 3 | SCOTIA | 24507.714285714286 | 3 | SCOTIA | 1306549 | 3 | SCOTIA | 59727.95428571429 | 3 CAPITALBK | 5637972 | 4 | UNIBK | 21682.759659695203 | 4 | SOGEBK | 1044990.7050819513 | 4 | BNC | 52036.86754434716 | 4 SOGEBL | 3345304.258156 | 5 | BNC | 16610.268625222732 | 5 | UNIBK | 989695.5216575158 | 5 | UNIBK | 44361.0722392432 | 5 BUH | 2291639.384839494 | 6 | SOGEBK | 13654.822734621212 | 6 | BNC | 826243.9212529268 | 6 | SOGEBK | 29507.313297768596 | 6 SCOTIA | 2063611 | 7 | BUH | 12130.126109196803 | 7 | CAPITALBK | 612911.4117647059 | 7 | BUH | 24536.86356708081 | 7 CBNA | 1798882 | 8 | CAPITALBK | 10690.175141242938 | 8 | BPH | 479650.9383316667 | 8 | CAPITALBK | 19622.39924670433 | 8 BPH | 858993.53526 | 9 | BPH | 8267.24447851613 | 9 | BUH | 391567.44775799796 | 9 | BPH | 18567.13309670968 | 9 TOTAL | 69792588.7558555 AU 30 SEPTEMBRE 2014 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 22477640.604379997 | 1 | SOGEBL | 48489.450878014926 | 1 | CBNA | 5538270 | 1 | CBNA | 167826.36363636365 | 1 SOGEBK | 19001042.77665 | 2 | CBNA | 43860 | 2 | SOGEBL | 1364819.36265 | 2 | SOGEBL | 61111.31474552239 | 2 BNC | 11264487.9945 | 3 | SCOTIA | 24884.38888888889 | 3 | SCOTIA | 1256192 | 3 | BNC | 56146.12526685402 | 3 CAPITALBK | 5416947 | 4 | UNIBK | 20459.65452958333 | 4 | SOGEBK | 1011171.7747778827 | 4 | SCOTIA | 55830.75555555556 | 4 SOGEBL | 3180507.155047 | 5 | BNC | 17988.921602654176 | 5 | UNIBK | 969739.9919653084 | 5 | UNIBK | 43919.383694081 | 5 BUH | 2277488.01000379 | 6 | SOGEBK | 13564.430185350939 | 6 | BNC | 877112.0300834146 | 6 | SOGEBK | 28810.314639258646 | 6 SCOTIA | 2154182 | 7 | BUH | 12017.372122967556 | 7 | CAPITALBK | 596829.2941176471 | 7 | BUH | 21321.28347158649 | 7 CBNA | 1447270 | 8 | CAPITALBK | 10682.345098039215 | 8 | BPH | 459311.17022 | 8 | CAPITALBK | 19894.30980392157 | 8 BPH | 958681.8458700001 | 9 | BPH | 8922.545866449513 | 9 | BUH | 340252.14873406774 | 9 | BPH | 17953.53108351792 | 9 TOTAL | 68178247.38645078 AU 30 SEPTEMBRE 2013 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 20039270.12309 | 1 | SOGEBL | 44769.85090672414 | 1 | CBNA | 4192263 | 1 | CBNA | 113304.4054054054 | 1 SOGEBK | 18747203.52186 | 2 | CBNA | 36127.37837837838 | 2 | SCOTIA | 1177263.5 | 2 | BNC | 60823.54217244562 | 2 BNC | 10111946.507410001 | 3 | SCOTIA | 25260.983425414364 | 3 | SOGEBK | 942922.0850218075 | 3 | SCOTIA | 52033.74585635359 | 3 CAPITALBK | 4719462 | 4 | UNIBK | 19326.779522063338 | 4 | SOGEBL | 933269.91811 | 4 | SOGEBL | 48272.58197120689 | 4 SOGEBL | 2524913.23962 | 5 | BNC | 17859.819790095735 | 5 | UNIBK | 914256.292503361 | 5 | UNIBK | 43870.26355582346 | 5 SCOTIA | 2201715 | 6 | SOGEBK | 14403.233189002269 | 6 | BNC | 862793.2093350618 | 6 | SOGEBK | 29221.319339300157 | 6 BUH | 1419069.286724146 | 7 | BPH | 10199.027061075269 | 7 | CAPITALBK | 546679.75 | 7 | CAPITALBK | 18147.045643153528 | 7 CBNA | 1310583 | 8 | CAPITALBK | 9849.338174273858 | 8 | BPH | 387056.51406666666 | 8 | BUH | 16911.44578517032 | 8 BPH | 1091817.40771 | 9 | BUH | 6812.980596496988 | 9 | BUH | 296654.9448148627 | 9 | BPH | 16647.592002867383 | 9 62165980.08641415 [partdemarc. (5)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes et en pourcentage) AU 30 JUIN 2004 | TRIM 1 2015 | AU 31 DÉCEMBRE 2014 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BPH | 0 | 1 | BPH | 0 | 1 | SOGEBL | 0.5369549882152468 | 1 | CBNA | 10923.2 | 1 | CBNA | 195696.24615384615 | 1 BNC | 0 | 2 | SCOTIA | 0 | 2 | UNIBK | 0.5568107258704648 | 2 | SOGEBL | 3861.109754666667 | 2 | SOGEBL | 90576.35898971853 | 2 SOGEBL | 0 | 3 | SOGEBL | 0 | 3 | BNC | 0.5928352406662976 | 3 | SCOTIA | 3375.177142857143 | 3 | SCOTIA | 70099.22285714286 | 3 SCOTIA | 0 | 4 | SOCABK | #REF! | 4 | SCOTIA | 0.6282235345107813 | 4 | UNIBK | 3337.3646922097714 | 4 | BNC | 65879.74804619048 | 4 SOCABK | #REF! | 5 | BUH | 0 | 5 | CAPITALBK | 0.6592034031951337 | 5 | BNC | 2720.6331777572964 | 5 | UNIBK | 52936.883051855155 | 5 CAPITALBK | 0 | 6 | BNC | 0 | 6 | CBNA | 0.6726234070602022 | 6 | CAPITALBK | 2273.7024482109227 | 6 | SOGEBK | 36574.377876584025 | 6 BUH | 0 | 7 | CAPITALBK | 0 | 7 | SOGEBK | 0.7345476247940883 | 7 | BUH | 2262.7160623588925 | 7 | BUH | 29418.69923032321 | 7 PROMOBK | #REF! | 8 | SOGEBK | 0 | 8 | BPH | 0.772556708383314 | 8 | SOGEBK | 2080.0217159779613 | 8 | CAPITALBK | 23193.295668549905 | 8 SOGEBK | 0 | 9 | PROMOBK | #REF! | 9 | BUH | 0.8411080941344378 | 9 | BPH | 1131.492532645161 | 9 | BPH | 20637.930996645162 | 9 UNIBK | 0 | 10 | UNIBK | 0 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 TRIM 4 2014 | AU 30 SEPTEMBRE 2014 AU 31 MARS 2004 | COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang UNIBK | 0.5014572849478823 | 1 | CBNA | 9328.484848484848 | 1 | CBNA | 214845.30303030304 | 1 CBNA | 0 | 1 | CBNA | 0 | 1 | SOGEBL | 0.5952444596480727 | 2 | UNIBK | 3738.6765651086957 | 2 | SOGEBL | 84562.35304547762 | 2 BNC | 0 | 2 | BPH | 0 | 2 | SOGEBK | 0.6338583142481118 | 3 | SOGEBL | 3579.6744823880595 | 3 | BNC | 69754.51775166276 | 3 BPH | 0 | 3 | SCOTIA | 0 | 3 | CAPITALBK | 0.7232397724680854 | 4 | SCOTIA | 3122.4 | 4 | SCOTIA | 65614.73333333334 | 4 SCOTIA | 0 | 4 | BNC | 0 | 4 | BPH | 0.7356711444556842 | 5 | BNC | 2928.572767837627 | 5 | UNIBK | 53512.10392606383 | 5 SOGEBL | 0 | 5 | SOGEBL | 0 | 5 | BNC | 0.7646124679703716 | 6 | BUH | 2431.627096627906 | 6 | SOGEBK | 36173.30342218902 | 6 PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | CBNA | 0.8685680873180873 | 7 | SOGEBK | 2351.2508350418293 | 7 | BUH | 26031.14467650096 | 7 SOCABK | #REF! | 7 | SOCABK | #REF! | 7 | BUH | 1.0632189982968676 | 8 | CAPITALBK | 2269.5372549019608 | 8 | CAPITALBK | 23495.074509803922 | 8 UNIBK | 0 | 8 | BUH | 0 | 8 | SCOTIA | 1.2783329063113844 | 9 | BPH | 1091.103999739414 | 9 | BPH | 19966.314440977203 | 9 BUH | 0 | 9 | UNIBK | 0 | 9 CAPITALBK | 0 | 10 | CAPITALBK | 0 | 10 SOGEBK | 0 | 11 | BICH | #REF! | 11 BICH | #REF! | 12 | SOGEBK | 0 | 12 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 TRIM 4 2013 | AU 30 SEPTEMBRE 2013 COEFICIENT AU 30 SEPTEMBRE 2003 | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang | UNIBK | 0.5119 | 1 | CBNA | 6766.5 | 1 | CBNA | 144242.1 | 1 SOGEBL | 0.5546 | 2 | SOGEBL | 4420.7 | 2 | BNC | 74086.6 | 2 BNC | 0.0094 | 1 | BPH | -0.0341 | 1 | SOGEBK | 0.6945 | 3 | UNIBK | 3595.3 | 3 | SOGEBL | 72927 | 3 CBNA | 0.0223 | 2 | BNC | 0.1434 | 2 | BNC | 0.7207 | 4 | SCOTIA | 3182.9 | 4 | SCOTIA | 64407 | 4 BPH | -0.0019 | 3 | SCOTIA | -0.0311 | 3 | CAPITALBK | 0.7404 | 5 | BNC | 2990.4 | 5 | UNIBK | 51483.7 | 5 SOGEBL | 0.0113 | 4 | SOGEBK | 0.1253 | 4 | BPH | 0.808 | 6 | BUH | 2845.4 | 6 | SOGEBK | 35708.9 | 6 SCOTIA | -0.0013 | 5 | PROMOBK | #REF! | 5 | BUH | 0.8116 | 7 | SOGEBK | 2108.4 | 7 | CAPITALBK | 21414.8 | 7 SOGEBK | 0.0091 | 6 | CBNA | 0.4571 | 6 | CBNA | 0.9147 | 8 | CAPITALBK | 2013.3 | 8 | BPH | 19463.2 | 8 PROMOBK | #REF! | 7 | SOGEBL | 0.1233 | 7 | SCOTIA | 1.6945 | 9 | BPH | 1132 | 9 | BUH | 19229.5 | 9 UNIBK | 0.0277 | 8 | UNIBK | 0.3063 | 8 CAPITALBK | 0.0211 | 9 | CAPITALBK | 0.2498 | 9 SOCABK | #REF! | 10 | BUH | 0.0453 | 10 BUH | 0.0021 | 11 | SOCABK | #REF! | 11 SOCABEL | #REF! | 12 | BICH | #REF! | 12 BICH | #REF! | 13 | SOCABEL | #REF! | 13 * Banque dessaisie le 25 février 2002 [somfinbilsys] Sept.14 | Sept.13 | Sept. 12 | Sept. 11 SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 9932553.357025852 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24199061748844036 | 7997285.33949114 | 0.28360141041728515 | 6230349.448503105 | 0.23091167925507797 | 5061573.103501286 | 0.1658679490859878 | 4341463.462881398 Avoirs à la BRH | 53570133.59141975 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02867170909703435 | 55151419.034258656 | 0.05854551341428579 | 52101131.538851365 | -0.03898000673138985 | 54214409.58959199 | 0.0682584243603976 | 50750275.732252695 Avoirs à l'étranger | 4771613.867141504 | 0 | 0 | 0 | 0 | 0 | 0 | -0.34265656502687936 | 7258935.912757111 | 0.16631313081311053 | 6223831.080163222 | -0.23454976077718737 | 8130941.452814081 | -0.29635563134088644 | 11555470.08541922 Avoirs dans les banques locales | 1954192.8783900484 | 0 | 0 | 0 | 0 | 0 | 0 | 0.16943802310597458 | 1671052.9671335642 | 0.4370118951134268 | 1162866.482049311 | -0.3352682475648817 | 1749377.06494292 | -0.01695230246469658 | 1779544.440548467 Autres liquidités | 1075726.720657321 | 0 | 0 | 0 | 0 | 0 | 0 | -0.13641804488720824 | 1245656.783688609 | -0.1397176028352157 | 1447962.654814158 | -0.31950837298087675 | 2127818.473177874 | 0.38610089054955665 | 1535110.818906006 71304220.41463447 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0275505970617697 | 73324350.03732908 | 0.09168620859443116 | 67166141.20438117 | -0.05776852541492022 | 71284119.68402816 | 0.01889965558685518 | 69961864.5400078 Bons B.R.H. | 6608224 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4657077489350801 | 4508555 | -0.24162045825178702 | 5944985 | -0.051754811461859465 | 6269459.705 | -0.009238391069924313 | 6327919.5 Bons du Trésor / M.E.F. | 2875000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.25806451612903225 | 3875000 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 31695053.010273736 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03545078637678957 | 32859964.59549759 | 0.07554324508852647 | 30551969.663286697 | 0.007693150728632741 | 30318723.156146772 | 0.021983171598948723 | 29666558.118282385 Portefeuille net | 69792588.75585549 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02367824682048845 | 68178247.38645078 | 0.09671314264939196 | 62165980.08641415 | 0.19872312239453824 | 51860165.97580349 | 0.3401493117648102 | 38697304.487296335 Immobilisations | 6435815.63215 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02964037044733463 | 6250547.100589999 | 0.15426309227171525 | 5415184.061969999 | 0.09423312785714338 | 4948839.44208 | 0.1335384888836104 | 4365832.735819999 Autres actifs | 6089818.325193616 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10622780171356944 | 5505030.985263942 | 0.17433979818202336 | 4687766.687108954 | -0.20200037640537807 | 5874397.1156185735 | 0.18058756486529115 | 4975824.996334652 194800720.1381073 | 0 | 0 | 0 | 0 | 0 | 0 | 0.001537390369859163 | 194501695.1051314 | 0.10555024431851653 | 175932026.70316097 | 0.03152237928367091 | 170555705.078677 | 0.10753834844414593 | 153995304.37774116 PASSIF Dépôts À vue | 74442958.8896133 | 0 | 0 | 0 | 0 | 0 | 0 | -0.018523415933662593 | 75847921.48702118 | 0.061399501903044815 | 71460294.97001745 | -0.0679398723977578 | 76669189.95221005 | 0.11988950029806479 | 68461388.31715462 Épargne | 56283904.95839469 | 0 | 0 | 0 | 0 | 0 | 0 | 0.018698745136812016 | 55250784.61820989 | 0.06250630029912821 | 52000430.11759563 | 0.03205353376733271 | 50385399.99739845 | 0.04976457276606313 | 47996856.918724276 À terme | 27834231.97315377 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05231734603004461 | 26450416.38642634 | 0.1922538961488109 | 22185221.17802745 | 0.12139993280735979 | 19783505.000297293 | 0.03628742447699091 | 19090750.8216477 158561095.82116175 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006423224157011267 | 157549122.4916574 | 0.081726793853273 | 145645946.26564053 | -0.008118796996596764 | 146838094.9499058 | 0.08328426783469621 | 135548996.0575266 Obligations à vue Banques locales | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.5 | 200000 | 0 | 200000 | -0.375 | 320000 Banques à l'étranger | 140243 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7093867.541174786 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00727393018417116 | 7042639.87044491 | 0.28123686344862825 | 5496750.890767113 | 0.13800035139706474 | 4830183.825531366 | 0.2081188601032028 | 3998103.1544518317 7534110.541174786 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026076543873623858 | 7342639.87044491 | 0.2889171408820659 | 5696750.890767113 | 0.13251346041321538 | 5030183.825531366 | 0.16490589631824815 | 4318103.154451832 Obligations à terme Banques locales | 1065132.5 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3612437106823947 | 1667510 | -0.0344581996734259 | 1727020 | 0.46168104068453614 | 1181530 | 1.9318362282878412 | 403000 Banque à l'étranger | 3075243.59769 | 0 | 0 | 0 | 0 | 0 | 0 | -0.27533104183578094 | 4243652.999129999 | 1.3807961300397933 | 1782451.23368 | 0 | 634833 | 0 | -0.04578 Autres | 4608097.856222962 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006295067400805695 | 4579271.0364022525 | 0.17483616409754146 | 3897795.4342424003 | 0.3184372604643897 | 2956375.3628060315 | 0.5244906893578517 | 1939254.456221914 8748473.953912962 | 0 | 0 | 0 | 0 | 0 | 0 | -0.16605224109117686 | 10490434.035532251 | 0.41623550303132556 | 7407266.6679224 | 0.5519951241507931 | 4772738.3628060315 | 1.0376686415996788 | 2342254.410441914 Autres passifs | 4445986.2805498475 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01761799860191973 | 4369013.015353579 | 0.060916605825196854 | 4118149.33555055 | 0.3738698911740479 | 2997481.320470138 | 0.31381104295511364 | 2281516.30825693 179289666.59679937 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0025676757207700493 | 179751209.41298816 | 0.1036611521159709 | 162868113.1598806 | 0.02023080104328686 | 159638498.45871332 | 0.10483450293643794 | 144490869.93067726 AVOIR DES ACTIONNAIRES Capital versé | 6024513 | 0 | 0 | 0 | 0 | 0 | 0 | -8.631328568950621e-06 | 6024565 | 0.025160881051991407 | 5876702 | 0.42745652186784155 | 4116904.375 | 0.02323724602980723 | 4023411.375 Réserves | 3053147.8252200005 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05482444198629638 | 2894460.636 | 0.18552812919105147 | 2441494.69315 | 0.23717727654651108 | 1973439.6512400003 | 0.15464002097351592 | 1709138.4460900002 Surplus d'apport | 208035.65532000002 | 0 | 0 | 0 | 0 | 0 | 0 | 7.210304219527801e-10 | 208035.65516999998 | -0.0733868131793686 | 224511.8655 | 0.02277635291466776 | 219512.17865000002 | 0 | 219512.17865000002 BNR | 6225357.05745 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1070402421368856 | 5623424.353059999 | 0.2437888242996776 | 4521205.08176 | -0.018697370715503175 | 4607350.420590001 | 0.29697842653871853 | 3552372.4422200006 15511053.53799 | 0 | 0 | 0 | 0 | 0 | 0 | 0.051562227312665965 | 14750485.644229997 | 0.1291015885624811 | 13063913.64041 | 0.19663519145270492 | 10917206.625480002 | 0.14864347712083972 | 9504434.44196 194800720.13478938 | 0 | 0 | 0 | 0 | 0 | 0 | 0.001537390599517637 | 194501695.05721816 | 0.1055502434358181 | 175932026.8002906 | 0.03152237981979742 | 170555705.08419332 | 0.10753834851667457 | 153995304.37263727 Hors-bilan Effets à l'encaissement | 67629.88256599999 | 0 | 0 | 0 | 95422.98865191398 | 95041.617165185 | 88153.82001429 | 219823.68109 Crédit documentaire | 1726530.598824569 | 0 | 0 | 0 | 1734232.834995587 | 1396251.104767572 | 1532939.698020654 | 1442347.34387944 Autres | 13165089.637156544 | 0 | 0 | 0 | 12483174.905221095 | 8409571.25859743 | 6828553.339347015 | 23358815.421981815 Portefeuille brut | 71462876.43493718 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02553836097027482 | 69683279.68475528 | 0.10122079122672724 | 63278209.27457261 | 0.19162821972751853 | 53102308.44402292 | 0.3250536821103245 | 40075590.265483 Provisions pour créances douteuses | 1670287.679081694 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10980262069192041 | 1505031.2983044968 | 0.35316649189559035 | 1112229.21001847 | -0.10458776135581546 | 1242142.068219422 | -0.0987775716956548 | 1378285.7918399998 Portefeuille de crédit improductif | 3043320.3412478045 | 0 | 0 | 0 | 0 | 0 | 0 | 0.45756663498133665 | 2087945.942373175 | 0.3551819765833644 | 1540712.59687 | 0.19891103060537393 | 1285093.353501 | -0.131902824189199 | 1480356.5652667 Graphe Dépots US | 89648769 | 0 | 0 | 0 | -0.007764207254054507 | 90350267.2 | 0.12490637734457358 | 80318032.7 | -0.13099920472578183 | 92425729.8 | 0.09419453468613954 | 84469193.42958657 Graphe Bons BRH | Sept. 11 | Sept. 12 | Sept. 13 | Sept. 14 | Déc. 14 6327919.5 | 6269459.705 | 5944985 | 4508555 | 6608224 | 0 | 0 [sofibilcompsys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 9932553.357025852 | 0.05098827843133228 | 0 | 0 | 0 | 0 | 0 | 0 | 7997285.33949114 | 0.04195259921534392 | 6230349.448503105 | 0.035413389848655476 | 5061573.103501286 | 0.02967694983387623 | 4341463.462881398 | 0.028192180796838138 Avoirs à la BRH | 53570133.59141975 | 0.27499966916672736 | 0 | 0 | 0 | 0 | 0 | 0 | 55151419.034258656 | 0.28931634682037805 | 52101131.538851365 | 0.2961435306304879 | 54214409.58959199 | 0.3178692238092123 | 50750275.732252695 | 0.3295572935637397 Avoirs à l'étranger | 4771613.867141504 | 0.024494847163596657 | 0 | 0 | 0 | 0 | 0 | 0 | 7258935.912757111 | 0.038079325189757804 | 6223831.080163222 | 0.03537633935556429 | 8130941.452814081 | 0.047673230567475265 | 11555470.08541922 | 0.07503780801701819 Avoirs dans les banques locales | 1954192.8783900484 | 0.01003175387136449 | 0 | 0 | 0 | 0 | 0 | 0 | 1671052.9671335642 | 0.008766101548431986 | 1162866.482049311 | 0.006609748684424255 | 1749377.06494292 | 0.010256924939191779 | 1779544.440548467 | 0.011555835729791814 Autres liquidités | 1075726.720657321 | 0.005522190677193935 | 0 | 0 | 0 | 0 | 0 | 0 | 1245656.783688609 | 0.006534534856210062 | 1447962.654814158 | 0.008230239155132421 | 2127818.473177874 | 0.012475797700207774 | 1535110.818906006 | 0.009968556022594508 71304220.41463447 | 0.3660367393102147 | 0 | 0 | 0 | 0 | 0 | 0 | 73324350.03732908 | 0.38464890763012183 | 67166141.20438117 | 0.3817732476742644 | 71284119.68402816 | 0.41795212684996347 | 69961864.5400078 | 0.45431167412998247 Bons B.R.H. | 6608224 | 0.033922995743111146 | 0 | 0 | 0 | 0 | 0 | 0 | 4508555 | 0.023651225750483236 | 5944985 | 0.03379137449505199 | 6269459.705 | 0.03675901490429717 | 6327919.5 | 0.041091639291013685 Bons du Trésor / M.E.F. | 2875000 | 0.014758672339412911 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 31695053.010273736 | 0.16270500944659233 | 0 | 0 | 0 | 0 | 0 | 0 | 32859964.59549759 | 0.17237860928856363 | 30551969.663286697 | 0.17365780543661394 | 30318723.156146772 | 0.17776434474684272 | 29666558.118282385 | 0.19264586175635665 Portefeuille net | 69792588.75585549 | 0.3582768518841965 | 0 | 0 | 0 | 0 | 0 | 0 | 68178247.38645078 | 0.3576531993530613 | 62165980.08641415 | 0.35335226479998944 | 51860165.97580349 | 0.3040658531585355 | 38697304.487296335 | 0.25128886003156425 Immobilisations | 6435815.63215 | 0.033037945791921194 | 0 | 0 | 0 | 0 | 0 | 0 | 6250547.100589999 | 0.03278946370623903 | 5415184.061969999 | 0.030779978855735562 | 4948839.44208 | 0.029015971291004958 | 4365832.735819999 | 0.028350427654020384 Autres actifs | 6089818.325193616 | 0.03126178548455126 | 0 | 0 | 0 | 0 | 0 | 0 | 5505030.985263942 | 0.02887859427153104 | 4687766.687108954 | 0.026645328738344656 | 5874397.1156185735 | 0.0344426890493562 | 4975824.996334652 | 0.03231153713706267 194800720.1381073 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 190626695.1051314 | 1 | 175932026.70316097 | 1 | 170555705.078677 | 1 | 153995304.37774116 | 1 PASSIF Dépôts À vue | 74442958.8896133 | 0.3821493002532829 | 0 | 0 | 0 | 0 | 0 | 0 | 75847921.48702118 | 0.39788719751549356 | 71460294.97001745 | 0.4061812752864372 | 76669189.95221005 | 0.4495258010680013 | 68461388.31715462 | 0.4445680249394032 Épargne | 56283904.95839469 | 0.2889306821786452 | 0 | 0 | 0 | 0 | 0 | 0 | 55250784.61820989 | 0.2898376042649161 | 52000430.11759563 | 0.2955711424011086 | 50385399.99739845 | 0.29541902438359224 | 47996856.918724276 | 0.3116774054421224 À terme | 27834231.97315377 | 0.1428856728733868 | 0 | 0 | 0 | 0 | 0 | 0 | 26450416.38642634 | 0.13875504882376957 | 22185221.17802745 | 0.1261010948021373 | 19783505.000297293 | 0.11599439016813423 | 19090750.8216477 | 0.12396969439288386 158561095.82116175 | 0.8139656553053148 | 0 | 0 | 0 | 0 | 0 | 0 | 157549122.4916574 | 0.8264798506041792 | 145645946.26564053 | 0.8278535124896831 | 146838094.9499058 | 0.8609392156197279 | 135548996.0575266 | 0.8802151247744094 Obligations à vue Banques locales | 300000 | 0.0015400353745474342 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.0015737564974021546 | 200000 | 0.001136802683103557 | 200000 | 0.001172637408451042 | 320000 | 0.0020779854378875045 Banques à l'étranger | 140243 | 0.0007199306034421861 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7093867.541174786 | 0.03641602318587666 | 0 | 0 | 0 | 0 | 0 | 0 | 7042639.87044491 | 0.03694466751658715 | 5496750.890767113 | 0.0312436058048796 | 4830183.825531366 | 0.028320271217566206 | 3998103.1544518317 | 0.025962500419134383 7534110.541174786 | 0.03867598916386628 | 0 | 0 | 0 | 0 | 0 | 0 | 7342639.87044491 | 0.0385184240139893 | 5696750.890767113 | 0.03238040848798316 | 5030183.825531366 | 0.029492908626017247 | 4318103.154451832 | 0.02804048585702189 Obligations à terme Banques locales | 1065132.5 | 0.0054678057619338164 | 0 | 0 | 0 | 0 | 0 | 0 | 1667510 | 0.008747515656610222 | 1727020 | 0.009816404848867524 | 1181530 | 0.006927531386035798 | 403000 | 0.002616962910839576 Banque à l'étranger | 3075243.59769 | 0.015786613085977064 | 0 | 0 | 0 | 0 | 0 | 0 | 4243652.999129999 | 0.022261588267003255 | 1782451.23368 | 0.010131476724743346 | 634833 | 0.0037221446195960014 | -0.04578 | -2.972817917077811e-10 Autres | 4608097.856222962 | 0.023655445693198527 | 0 | 0 | 0 | 0 | 0 | 0 | 4579271.0364022525 | 0.02402219182301181 | 3897795.4342424003 | 0.02215512153917777 | 2956375.3628060315 | 0.017333781719246866 | 1939254.456221914 | 0.012592945376211213 8748473.953912962 | 0.04490986454110941 | 0 | 0 | 0 | 0 | 0 | 0 | 10490434.035532251 | 0.05503129574662528 | 7407266.6679224 | 0.04210300311278864 | 4772738.3628060315 | 0.027983457724878667 | 2342254.410441914 | 0.015209907989769 Autres passifs | 4445986.2805498475 | 0.022823253822664463 | 0 | 0 | 0 | 0 | 0 | 0 | 4369013.015353579 | 0.022919208733824248 | 4118149.33555055 | 0.023407616070374976 | 2997481.320470138 | 0.017574793637582548 | 2281516.30825693 | 0.014815492702689875 179289666.59679937 | 0.9203747628329552 | 0 | 0 | 0 | 0 | 0 | 0 | 179751209.41298816 | 0.9429487790986181 | 162868113.1598806 | 0.92574454016083 | 159638498.45871332 | 0.9359903756082062 | 144490869.93067726 | 0.9382810113238902 AVOIR DES ACTIONNAIRES Capital versé | 6024513 | 0.030926543781402957 | 0 | 0 | 0 | 0 | 0 | 0 | 6024565 | 0.03160399437590537 | 5876702 | 0.03340325300700019 | 4116904.375 | 0.02413818038570378 | 4023411.375 | 0.02612684452462794 Réserves | 3053147.8252200005 | 0.01567318551520456 | 0 | 0 | 0 | 0 | 0 | 0 | 2894460.636 | 0.01518392077459924 | 2441494.69315 | 0.013877488589780078 | 1973439.6512400003 | 0.011570645791823009 | 1709138.4460900002 | 0.011098640007214682 Surplus d'apport | 208035.65532000002 | 0.0010679408945331907 | 0 | 0 | 0 | 0 | 0 | 0 | 208035.65516999998 | 0 | 224511.8655 | 0 | 219512.17865000002 | 0 | 219512.17865000002 | 0 BNR | 6225357.05745 | 0.031957566958871746 | 0 | 0 | 0 | 0 | 0 | 0 | 5623424.353059999 | 0.0294996687109256 | 4521205.08176 | 0.025698590339031022 | 4607350.420590001 | 0.027013757285132386 | 3552372.4422200006 | 0.023068056890268848 15511053.53799 | 0.07962523715001245 | 0 | 0 | 0 | 0 | 0 | 0 | 14750485.644229997 | 0.07737890874148054 | 13063913.64041 | 0.07425546039125622 | 10917206.625480002 | 0.06400962442413707 | 9504434.44196 | 0.061718988642966655 194800720.13478938 | 0.9999999999829676 | 0 | 0 | 0 | 0 | 0 | 0 | 194501695.05721816 | 1.0203276878400986 | 175932026.8002906 | 1.0000000005520862 | 170555705.08419332 | 1.0000000000323432 | 153995304.37263727 | 0.9999999999668568 [sofibilgdes&$ ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 5841221.240225852 | 4091332.1168 | 9932553.35702585 | 0.5880885840994782 | 4668040.60784114 | 3329244.73165 | 7997285.33949114 | 0.5837031454648788 Avoirs à la BRH | 33172527.071439747 | 20397606.51998 | 53570133.59141974 | 0.6192354740879897 | 33506098.843278654 | 21645320.19098 | 55151419.03425865 | 0.6075292246327428 Avoirs à l'étranger | 4771613.867141504 | 0 | 4771613.867141504 | 1 | 7258935.91275711 | 0 | 7258935.91275711 | 1 Avoirs dans les banques locales | 1481646.955250048 | 472545.9231400002 | 1954192.8783900482 | 0.7581886985847044 | 1265176.151593565 | 405876.8155399994 | 1671052.9671335644 | 0.7571131355362009 Autres liquidités | 334288.69578732096 | 741438.02487 | 1075726.720657321 | 0.3107561515094228 | 593457.001108609 | 652199.7825799999 | 1245656.783688609 | 0.47642096031563236 45601297.82984446 | 25702922.58479 | 71304220.41463447 | 0.6395315391525584 | 47291708.516579084 | 26032641.520749997 | 73324350.03732908 | 0.6449659423166124 Bons B.R.H. | 0 | 6608224 | 6608224 | 0 | 0 | 4508555 | 4508555 | 0 Bons du Trésor / M.E.F. | 0 | 2875000 | 2875000 | 0 | 0 | 3875000 | 3875000 | 0 Autres Placements | 17867592.253783733 | 13827460.756490001 | 31695053.010273732 | 0.5637344177336469 | 18692650.015157588 | 14167314.58034 | 32859964.595497586 | 0.5688578866490569 Portefeuille net | 37061100.95711549 | 32731487.79874 | 69792588.7558555 | 0.5310177143129129 | 35713596.37329079 | 32464651.013159998 | 68178247.3864508 | 0.5238268471592925 Immobilisations | 0 | 6435815.63215 | 6435815.63215 | 0 | 0 | 6250547.100589999 | 6250547.100589999 | 0 Autres actifs | 1112775.302073616 | 4977043.02312 | 6089818.325193616 | 0.18272717553330908 | 948411.547863942 | 4556619.4374 | 5505030.985263942 | 0.17228087369583986 101642766.34281729 | 93157953.79529 | 194800720.1381073 | 0.5217781857826599 | 102646366.45289141 | 91855328.65224001 | 194501695.10513142 | 0.5277402153097398 PASSIF Dépôts À vue | 41125195.958253294 | 33317762.93136 | 74442958.8896133 | 0.5524390294485099 | 44126455.17364119 | 31721466.313379996 | 75847921.48702118 | 0.5817754041050677 Épargne | 30573540.956944697 | 25710364.00145 | 56283904.95839469 | 0.5432021992707292 | 29664631.158489905 | 25586153.45972 | 55250784.618209906 | 0.5369087762911668 À terme | 17950032.113373768 | 9884199.85978 | 27834231.97315377 | 0.6448905121825041 | 16557860.899486342 | 9892555.48701 | 26450416.386496343 | 0.6259962284729695 89648769.02857177 | 68912326.79258999 | 158561095.82116175 | 0.5653894390947262 | 90348947.23161744 | 67200175.26010999 | 157549122.4917274 | 0.573465251996954 Obligations à vue Banques locales | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Banques à l'étranger | 140243 | 0 | 140243 | 1 | 0 | 0 | 0 | 0 Autres | 2931135.5984247853 | 4162731.9427499995 | 7093867.541174784 | 0.41319288546221894 | 2904315.2260849085 | 4138324.6443600003 | 7042639.870444909 | 0.4123901377199673 3071378.5984247853 | 4462731.942749999 | 7534110.541174784 | 0.4076630654195139 | 2904315.2260849085 | 4438324.64436 | 7342639.870444909 | 0.3955410148569535 Obligations à terme Banques locales | 0 | 1065132.5 | 1065132.5 | 0 | 0 | 1667510 | 1667510 | 0 Banque à l'étranger | 3075243.59769 | 0 | 3075243.59769 | 1 | 4243652.999129999 | 0 | 4243652.999129999 | 1 Autres | 2883223.100552961 | 1724874.7556699999 | 4608097.856222961 | 0.6256861704139682 | 2799002.7503522513 | 1780268.2860500002 | 4579271.036402252 | 0.611233257018854 5958466.698242961 | 2790007.25567 | 8748473.953912962 | 0.6810864077131871 | 7042655.749482251 | 3447778.28605 | 10490434.035532251 | 0.6713407401093228 Autres passifs | 2218741.5005498473 | 2227244.78 | 4445986.280549847 | 0.49904371281043397 | 2061585.897893579 | 2307427.11746 | 4369013.015353579 | 0.47186535967019483 100897355.82578938 | 78392310.77101 | 179289666.59679934 | 0.562761690291361 | 102357504.10507816 | 77393705.30798 | 179751209.41305813 | 0.5694398632382295 AVOIR DES ACTIONNAIRES Capital versé | 0 | 6024513 | 6024513 | 0 | 0 | 6024565 | 6024565 | 0 Réserves | 0 | 3053147.82522 | 3053147.82522 | 0 | 0 | 2894460.56794 | 2894460.56794 | 0 Surplus d'apport | 0 | 208035.65532000002 | 208035.65532000002 | 0 | 0 | 208035.65516999998 | 208035.65516999998 | 0 BNR | 0 | 6225357.057449999 | 6225357.057449999 | 0 | 0 | 5623424.3861299995 | 5623424.3861299995 | 0 0 | 15511053.53799 | 15511053.53799 | 0 | 0 | 14750485.60924 | 14750485.60924 | 0 100897355.82578938 | 93903364.309 | 194800720.13478938 | 0.5179516572422063 | 102357504.10507816 | 92144190.91722 | 194501695.02229816 | 0.5262550750179511 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [somfinrésys] TRIM 1 15 | TRIM 1 14 | TRIM 2 15 | TRIM 2 14 | TRIM 3 15 | TRIM 3 14 | TRIM 4 15 | TRIM 4 14 | CUMUL 15 | CUMUL 14 SYSTÈME BANCAIRE SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1477519.7090699999 | 0 | 0 | 0 | 0 | 0 | 0 | 1239658.9879799997 | -0.008317436464362737 | 1229348.20311 | 0.15380837214522003 | 1418432.2490300003 | -0.011511551060099297 | 1402103.89377 Intérêts sur Bons B.R.H. | 92337.63878 | 0 | 0 | 0 | 0 | 0 | 0 | 49269.22394 | -0.2897322317758432 | 34994.34173 | -0.34180628177799993 | 23033.0559 | 1.0507478905567194 | 47234.9908 Autres | 192171.182785432 | 0 | 0 | 0 | 0 | 0 | 0 | 128515.0286034 | -0.022829821143940405 | 125581.053486076 | 0.3378154075249874 | 168004.268246892 | 0.20452695366449197 | 202365.66943406095 1762028.5306354319 | 0 | 0 | 0 | 0 | 0 | 0 | 1417443.2405233998 | -0.019414987077127802 | 1389923.5983260758 | 0.15795542655382053 | 1609469.5731768922 | 0.026241552826501844 | 1651704.554004061 Dépenses d'intérêt | 218079.7424 | 0 | 0 | 0 | 0 | 0 | 0 | 122849.15488999999 | 0.08160753705613048 | 132874.57184999998 | 0.46823155750398016 | 195090.63958 | 0.09167291941070399 | 212975.16806000003 1543948.788235432 | 0 | 0 | 0 | 0 | 0 | 0 | 1294594.0856334 | -0.029001414091085184 | 1257049.0264760759 | 0.12515813131160378 | 1414378.9335968923 | 0.017216356783003914 | 1438729.385944061 AUTRES REVENUS Commissions | 697013.59957 | 0 | 0 | 0 | 0 | 0 | 0 | 611777.91167 | 0.15878637225529574 | 708919.90689 | 0.0625877741882691 | 753289.62594 | 0.19199631204202958 | 897918.45602 Gains sur change | 249143.51833 | 0 | 0 | 0 | 0 | 0 | 0 | 213228.45325 | 0.06436902013216668 | 226953.75985 | 0.04540471705254289 | 237258.53110000002 | 0.0010444792389594929 | 237506.34271 Autres | 320178.69922 | 0 | 0 | 0 | 0 | 0 | 0 | 267215.717454144 | 0.28972022255763247 | 344633.514585856 | 0.4466745918025225 | 498572.5490349619 | -0.14286183364794341 | 427345.5604732981 1266335.81712 | 0 | 0 | 0 | 0 | 0 | 0 | 1092222.0823741439 | 0.17238719303535802 | 1280507.1813258561 | 0.16291476361194965 | 1489120.706074962 | 0.0494584843444039 | 1562770.359203298 PRODUIT NET BANCAIRE | 2810284.6053554323 | 0 | 0 | 0 | 0 | 0 | 0 | 2386816.168007544 | 0.0631552784897642 | 2537556.207801932 | 0.14421096594621158 | 2903499.639671854 | 0.03375240834766578 | 3001499.745147359 Dotation à la provision pour créances douteuses | 144566.41715000002 | 0 | 0 | 0 | 0 | 0 | 0 | 120190.17871000001 | 0.39159143405187463 | 167255.62315 | -0.0915703715758747 | 151939.96359000003 | 0.3222909386245429 | 200908.83707 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2665718.188205432 | 0 | 0 | 0 | 0 | 0 | 0 | 2266625.9892975437 | 0.04573961290654686 | 2370300.584651932 | 0.16084841471104325 | 2751559.6760818544 | 0.017819432528290262 | 2800590.908077359 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 781687.58527 | 0 | 0 | 0 | 0 | 0 | 0 | 708864.6788300001 | 0.032696722015060936 | 732042.2301800001 | 0.049211535666654004 | 768067.1525000001 | 0.09540453086880295 | 841344.2388599999 Frais de locaux | 125381.45367 | 0 | 0 | 0 | 0 | 0 | 0 | 114892.04626999999 | -0.026988108118292872 | 111791.32730333332 | 0.04915394383343628 | 117286.31192666666 | 0.0421220509211876 | 122226.65193 Amortissement | 145314.02081 | 0 | 0 | 0 | 0 | 0 | 0 | 118932.69433 | 0.08158750337460707 | 128636.11592999999 | 0.06313791444513565 | 136757.93201214288 | 0.02489796288680303 | 140162.92592785714 Autres dépenses d'exploitation | 747984.0603299999 | 0 | 0 | 0 | 0 | 0 | 0 | 655781.06603 | 0.06740887535722768 | 699986.5301716462 | 0.022691719343246458 | 715870.4280583541 | 0.20779059740615596 | 864621.57197 1800367.1200799998 | 0 | 0 | 0 | 0 | 0 | 0 | 1598470.48546 | 0.04628532012193404 | 1672456.2035849795 | 0.039179274633157714 | 1737981.8244971638 | 0.13255234372623276 | 1968355.388687857 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 865351.0681254324 | 0 | 0 | 0 | 0 | 0 | 0 | 668155.5038375435 | 0.04443408317209292 | 697844.3810669526 | 0.45244108727364807 | 1013577.8515846906 | -0.17891307698926778 | 832235.5193895022 Impôts sur le revenu | 112823.99364999999 | 0 | 0 | 0 | 0 | 0 | 0 | 84567.38321 | -0.34476171312526066 | 55411.787299999996 | 1.3597051050183326 | 130755.47737000001 | -0.31898195875937707 | 89046.83908 0 BÉNÉFICE NET | 752527.0744754324 | 0 | 0 | 0 | 0 | 0 | 0 | 583588.1206275435 | 0.10083219835957678 | 642432.5937669526 | 0.37418677504856057 | 882822.3742146906 | -0.15816737090447983 | 743188.6803095022 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL REVENUS NETS D'INTÉRÊT | 2014 Revenus d'intérêt Prêts | 1477519.7090699999 | 0.19187592991003885 | 1239658.9879799997 | 0 | 0 | 1229348.20311 | 0 | 0 | 1418432.2490300003 | 0 | 0 | 1402103.89377 | 1477519.7090699999 | 0.19187592991003885 | 1239658.9879799997 | 5289543.33389 Intérêts sur Bons B.R.H. | 92337.63878 | 0.8741443724067716 | 49269.22394 | 0 | 0 | 34994.34173 | 0 | 0 | 23033.0559 | 0 | 0 | 47234.9908 | 92337.63878 | 0.8741443724067716 | 49269.22394 | 154531.61237000002 Autres | 192171.182785432 | 0.49532070197390055 | 128515.0286034 | 0 | 0 | 125581.053486076 | 0 | 0 | 168004.268246892 | 0 | 0 | 202365.66943406095 | 192171.182785432 | 0.49532070197390055 | 128515.0286034 | 624466.0197704289 1762028.5306354319 | 0.2431034134282455 | 1417443.2405233998 | 0 | 0 | 1389923.5983260758 | 0 | 0 | 1609469.5731768922 | 0 | 0 | 1651704.554004061 | 1762028.5306354319 | 0.2431034134282455 | 1417443.2405233998 | 6068540.966030429 Dépenses d'intérêt | 218079.7424 | 0.7751830901504381 | 122849.15488999999 | 0 | 0 | 132874.57184999998 | 0 | 0 | 195090.63958 | 0 | 0 | 212975.16806000003 | 218079.7424 | 0.7751830901504381 | 122849.15488999999 | 663789.53438 1543948.788235432 | 0.19261226771326667 | 1294594.0856334 | 0 | 0 | 1257049.0264760759 | 0 | 0 | 1414378.9335968923 | 0 | 0 | 1438729.385944061 | 1543948.788235432 | 0.19261226771326667 | 1294594.0856334 | 5404751.431650429 AUTRES REVENUS Commissions | 697013.59957 | 0.13932455924622714 | 611777.91167 | 0 | 0 | 708919.90689 | 0 | 0 | 753289.62594 | 0 | 0 | 897918.45602 | 697013.59957 | 0.13932455924622714 | 611777.91167 | 2971905.90052 Gains sur change | 249143.51833 | 0.16843467432505985 | 213228.45325 | 0 | 0 | 226953.75985 | 0 | 0 | 237258.53110000002 | 0 | 0 | 237506.34271 | 249143.51833 | 0.16843467432505985 | 213228.45325 | 914947.0869100001 Autres | 320178.69922 | 0.19820309325533908 | 267215.717454144 | 0 | 0 | 344633.514585856 | 0 | 0 | 498572.5490349619 | 0 | 0 | 427345.5604732981 | 320178.69922 | 0.19820309325533908 | 267215.717454144 | 1537767.3415482598 1266335.81712 | 0.15941239199942578 | 1092222.0823741439 | 0 | 0 | 1280507.1813258561 | 0 | 0 | 1489120.706074962 | 0 | 0 | 1562770.359203298 | 1266335.81712 | 0.15941239199942578 | 1092222.0823741439 | 5424620.32897826 PRODUIT NET BANCAIRE | 2810284.6053554323 | 0.1774197958870832 | 2386816.168007544 | 0 | 0 | 2537556.207801932 | 0 | 0 | 2903499.639671854 | 0 | 0 | 3001499.745147359 | 2810284.6053554323 | 0.1774197958870832 | 2386816.168007544 | 10829371.76062869 Dotation à la provision pour créances douteuses | 144566.41715000002 | 0.2028138962902788 | 120190.17871000001 | 0 | 0 | 167255.62315 | 0 | 0 | 151939.96359000003 | 0 | 0 | 200908.83707 | 144566.41715000002 | 0.2028138962902788 | 120190.17871000001 | 640294.6025200001 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2665718.188205432 | 0.1760732475460463 | 2266625.9892975437 | 0 | 0 | 2370300.584651932 | 0 | 0 | 2751559.6760818544 | 0 | 0 | 2800590.908077359 | 2665718.188205432 | 0.1760732475460463 | 2266625.9892975437 | 10189077.158108689 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 781687.58527 | 0.10273174643176758 | 708864.6788300001 | 0 | 0 | 732042.2301800001 | 0 | 0 | 768067.1525000001 | 0 | 0 | 841344.2388599999 | 781687.58527 | 0.10273174643176758 | 708864.6788300001 | 3050318.3003700003 Frais de locaux | 125381.45367 | 0.09129794220349742 | 114892.04626999999 | 0 | 0 | 111791.32730333332 | 0 | 0 | 117286.31192666666 | 0 | 0 | 122226.65193 | 125381.45367 | 0.09129794220349742 | 114892.04626999999 | 466196.33742999996 Amortissement | 145314.02081 | 0.22181727765117545 | 118932.69433 | 0 | 0 | 128636.11592999999 | 0 | 0 | 136757.93201214288 | 0 | 0 | 140162.92592785714 | 145314.02081 | 0.22181727765117545 | 118932.69433 | 524489.6682000001 Autres dépenses d'exploitation | 747984.0603299999 | 0.1406002690168885 | 655781.06603 | 0 | 0 | 699986.5301716462 | 0 | 0 | 715870.4280583541 | 0 | 0 | 864621.57197 | 747984.0603299999 | 0.1406002690168885 | 655781.06603 | 2936259.5962300003 1800367.1200799998 | 0.12630613855963618 | 1598470.48546 | 0 | 0 | 1672456.2035849795 | 0 | 0 | 1737981.8244971638 | 0 | 0 | 1968355.388687857 | 1800367.1200799998 | 0.12630613855963618 | 1598470.48546 | 6977263.90223 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 865351.0681254324 | 0.29513423619995394 | 668155.5038375435 | 0 | 0 | 697844.3810669526 | 0 | 0 | 1013577.8515846906 | 0 | 0 | 832235.5193895022 | 865351.0681254324 | 0.29513423619995394 | 668155.5038375435 | 3211813.255878689 Impôts sur le revenu | 112823.99364999999 | 0.33413130887392384 | 84567.38321 | 0 | 0 | 55411.787299999996 | 0 | 0 | 130755.47737000001 | 0 | 0 | 89046.83908 | 112823.99364999999 | 0.33413130887392384 | 84567.38321 | 359781.48696 BÉNÉFICE NET | 752527.0744754324 | 0.28948319521347615 | 583588.1206275435 | 0 | 0 | 642432.5937669526 | 0 | 0 | 882822.3742146906 | 0 | 0 | 743188.6803095022 | 752527.0744754324 | 0.28948319521347615 | 583588.1206275435 | 2852031.768918689 Marge nette en % Revenu d'intérêt | 0.8762337052957055 | 0.9133304591126787 | #DIV/0! | 0.9044015282494487 | #DIV/0! | 0.8787857547409763 | #DIV/0! | 0.8710573464584173 | 0.8762337052957055 | 0.9133304591126787 Frais d'exploitation en % Produit net bancaire | 0.6406351572538673 | 0.6697082527283048 | #DIV/0! | 0.6590814416023065 | #DIV/0! | 0.5985817255667323 | #DIV/0! | 0.6557906232942959 | 0.6406351572538673 | 0.6697082527283048 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1477519.7090699999 | 0.19187592991003885 | 1239658.9879799997 | 5289543.33389 | 0.1783311810038462 | 4489012.44333 | 0.1938386806843376 | 3760149.93982 | 0.15738778959827393 | 3248824.6148899994 Intérêts sur Bons B.R.H. | 92337.63878 | 0.8741443724067716 | 49269.22394 | 154531.61237 | -0.16734593556427385 | 185589.21282000002 | 3.2461929459588834 | 43707.202000000005 | -0.25651457563394836 | 58786.89826 Autres | 192171.182785432 | 0.49532070197390055 | 128515.0286034 | 624466.019770429 | 0.10153395978828889 | 566905.8263900001 | 0.11219175849892567 | 509719.49941000005 | -0.01203700831129858 | 515929.75009999995 1762028.5306354319 | 0.2431034134282455 | 1417443.2405233998 | 6068540.96603043 | 0.1577854245644718 | 5241507.48254 | 0.2151186633478718 | 4313576.64123 | 0.12816270160073337 | 3823541.2632499994 Dépenses d'intérêt | 218079.7424 | 0.7751830901504381 | 122849.15488999999 | 663789.5343800001 | 0.7978744759098413 | 369207.94153 | 0.13189585860197492 | 326185.4336899999 | -0.013173126508163931 | 330539.67464 1543948.788235432 | 0.19261226771326667 | 1294594.0856334 | 5404751.43165043 | 0.10928143603626962 | 4872299.54101 | 0.2219266401041043 | 3987391.2075400003 | 0.14153718696896944 | 3493001.5886099995 AUTRES REVENUS Commissions | 697013.59957 | 0.13932455924622714 | 611777.91167 | 2971905.9005199997 | 0.12261243413868107 | 2647312.47414 | 0.20231186513784838 | 2201851.74155 | 0.2422607664347779 | 1772455.34999 Gains sur change | 249143.51833 | 0.16843467432505985 | 213228.45325 | 914947.0869100002 | 0.1219239320578319 | 815516.15111 | 0.08381430434310716 | 752450.0717900001 | -0.0746318449261235 | 813135.9045199999 Autres | 320178.69922 | 0.19820309325533908 | 267215.717454144 | 1537767.3415482598 | 0.2069236762338416 | 1274121.4476352 | -0.011680269381418012 | 1289179.4104300002 | -0.12283736863259732 | 1469715.3803967999 1266335.81712 | 0.15941239199942578 | 1092222.0823741439 | 5424620.328978259 | 0.14517152292344299 | 4736950.0728852 | 0.11628868447703228 | 4243481.22377 | 0.04640206174385262 | 4055306.6349067995 PRODUIT NET BANCAIRE | 2810284.6053554323 | 0.1774197958870832 | 2386816.168007544 | 10829371.76062869 | 0.12697371759072254 | 9609249.6138952 | 0.1674642869377848 | 8230872.43131 | 0.09042611769173224 | 7548308.2235167995 Dotation à la provision pour créances douteuses | 144566.41715000002 | 0.2028138962902788 | 120190.17871000001 | 640294.60252 | 0.528704466660408 | 418847.86529000005 | 0.06912987661252035 | 391765.1863 | 0.7280872206724324 | 226704.52140000003 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2665718.188205432 | 0.1760732475460463 | 2266625.9892975437 | 10189077.158108689 | 0.10866504390355446 | 9190401.748605201 | 0.17237862187117936 | 7839107.24501 | 0.07068172000945383 | 7321603.7021168 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 781687.58527 | 0.10273174643176758 | 708864.6788300001 | 3050318.30037 | 0.12692996891074962 | 2706750.5386500005 | 0.14426573711741825 | 2365491.20615 | 0.12769114303417653 | 2097641.02588 Frais de locaux | 125381.45367 | 0.09129794220349742 | 114892.04626999999 | 466196.33743 | 0.21276482099708732 | 384407.86652 | 0.10782402270154483 | 346993.6187 | 0.014613354683670267 | 341995.91115000006 Amortissement | 145314.02081 | 0.22181727765117545 | 118932.69433 | 524489.6682 | 0.1537000703573287 | 454615.26932 | 0.07181201963097936 | 424155.78571 | 0.03709566711169711 | 408984.2424 Autres dépenses d'exploitation | 747984.0603299999 | 0.1406002690168885 | 655781.06603 | 2936259.59623 | 0.08518359784905062 | 2705772.1864300002 | 0.14887173940912649 | 2355156.0140400003 | 0.03959224890835887 | 2265461.306116 1800367.1200799998 | 0.12630613855963618 | 1598470.48546 | 6977263.90223 | 0.11608617411681275 | 6251545.860920001 | 0.1383425658766701 | 5491796.624600001 | 0.07385765484259178 | 5114082.485546 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 865351.0681254324 | 0.29513423619995394 | 668155.5038375435 | 3211813.255878689 | 0.09287878637985354 | 2938855.8876852 | 0.252009794584356 | 2347310.620409999 | 0.06332414963438088 | 2207521.2165707992 Impôts sur le revenu | 112823.99364999999 | 0.33413130887392384 | 84567.38321 | 359781.48696 | 0.13070703925234928 | 318191.60443 | 1.950638672275599 | 107838.21395 | -0.45965031339759926 | 199571.16035000008 BÉNÉFICE NET | 752527.0744754324 | 0.28948319521347615 | 583588.1206275435 | 2852031.768918689 | 0.08828581636412447 | 2620664.2832552004 | 0.1702150362271096 | 2239472.4064599993 | 0.11530284307715932 | 2007950.0562207992 [pageint.sect3] SECTION 3 SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE [somfindétfsfin ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ FAITS SAILLANTS FINANCIERS (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME BILAN AU 31 DÉCEMBRE 2014 Actif | 42887715.97807 | 3198879.30448 | 5633680.902606895 | 12315640 | 53105996.676800005 | 59051093.044344425 | 176193005.90630132 | 6113904.231806001 | 6113904.231806001 | 6360128 | 6133682 | 12493810 | 194800720.13810733 Bons B.R.H. | 3810000 | 223000 | 180000 | 298391 | 1300000 | 0 | 5811391 | 0 | 0 | 796833 | 0 | 796833 | 6608224 Prêts | 10524694.186369998 | 858993.53526 | 2291639.384839494 | 5637972 | 19215072.52599 | 24056419.86524 | 62584791.49769949 | 3345304.258156 | 3345304.258156 | 1798882 | 2063611 | 3862493 | 69792588.7558555 Dépôts | 33876000.77137 | 2877905.6299900003 | 4698809.373095975 | 10419494 | 42844618.908360004 | 49484776.08287579 | 144201604.76569176 | 4545217.055470001 | 4545217.055470001 | 4588078 | 5226196 | 9814274 | 158561095.82116175 Avoir des Actionnaires | 3191363.1577500002 | 127762.48477000001 | 282671.47166000004 | 1074342 | 3881092.5410900004 | 5797198.13227 | 14354429.78754 | 493689.75045000005 | 493689.75045000005 | 390175 | 272759 | 662934 | 15511053.53799 AU 30 SEPTEMBRE 2014 Actif | 40802768.61994 | 3064829.2666900004 | 4984964.205549934 | 11982488 | 52053383.62453 | 59077362.73437446 | 171965796.4510844 | 5665677.654047 | 5665677.654047 | 7089895 | 5905326 | 12995221 | 190626695.10513142 Bons B.R.H. | 2334000 | 100000 | 0 | 74992 | 1950000 | 0 | 4458992 | 0 | 0 | 49563 | 0 | 49563 | 4508555 Prêts | 11264487.9945 | 958681.8458700001 | 2277488.01000379 | 5416947 | 19001042.77665 | 22477640.604379997 | 61396288.23140378 | 3180507.155047 | 3180507.155047 | 1447270 | 2154182 | 3601452 | 68178247.38645078 Dépôts | 35961593.23342 | 2755867.0213200003 | 4083025.7848088127 | 10146098 | 41458042.76589319 | 48486999.598265424 | 142891626.40370744 | 4094458.08795 | 4094458.08795 | 5538270 | 5024768 | 10563038 | 157549122.49165744 Avoir des Actionnaires | 3036675.79643 | 129300.93856000001 | 269271 | 1009190 | 3767440.07488 | 5455690.05705 | 13667567.866920002 | 466175.77731 | 466175.77731 | 369508 | 247234 | 616742 | 14750485.644230003 VARIATION Déc. 14 /Sept. 14 Actif | 0.05109818349706551 | 0.04373817466666678 | 0.13013467505638704 | 0.027803240862832493 | 0.020221798833725803 | -0.0004446659230228841 | 0.024581687419563937 | 0.07911261549425279 | 0.07911261549425279 | -0.10293057936683124 | 0.03866949936379465 | -0.03858426109105801 | 0.021896330053216943 Bons B.R.H. | 0.6323907455012854 | 1.23 | 0 | 2.9789710902496265 | -0.3333333333333333 | 0 | 0.30329702318371504 | 0 | 0 | 15.07717450517523 | 0 | 15.07717450517523 | 0.4657077489350801 Prêts | -0.0656748720839521 | -0.10398476933662312 | 0.006213589170851634 | 0.0408025036981163 | 0.011264105441782298 | 0.0702377659936587 | 0.01935790095023688 | 0.05181472484584458 | 0.05181472484584458 | 0.24294844776717545 | -0.042044265526311145 | 0.0724821544199395 | 0.02367824682048867 Dépôts | -0.05799499617585924 | 0.04428319934375721 | 0.1508155031933007 | 0.02694592541881618 | 0.03344528708932505 | 0.0205782270067719 | 0.009167635605765098 | 0.11009001871250938 | 0.11009001871250938 | -0.1715683778508451 | 0.04008702491338904 | -0.0708852888723869 | 0.006423224157011076 Avoir des Actionnaires | 0.05093970238833361 | -0.01189824147553349 | 0.049765744027392624 | 0.06455870549648728 | 0.03016702693369854 | 0.0625966782659681 | 0.050254875432697084 | 0.05902059797865407 | 0.05902059797865407 | 0.05593113004319257 | 0.1032422725029729 | 0.07489679639135975 | 0.05156222731266556 RÉSULTATS TRIM 1 2015 (octobre - décembre 14) Revenus nets d'intérêt | 327287.90830999997 | 25237.194809999997 | 65910.80000543199 | 174044 | 377690.66683 | 438908.68257 | 1409079.252525432 | 52167.535710000004 | 52167.535710000004 | 35810 | 46892 | 82702 | 1543948.788235432 Autres revenus | 115495.14137000001 | 18608.140829999997 | 42416.73148 | 127790 | 377357.21606999997 | 491798.89597 | 1173466.12572 | 12988.6914 | 12988.6914 | 52941 | 26940 | 79881 | 1266335.8171199998 Dot. à la provision pr créances dout. | 0 | 11500.41428 | 3811.94206 | 11425 | 102622.75981 | 18007.301 | 147367.41715 | 2700 | 2700 | 101 | -5602 | -5501 | 144566.41715 Frais d'exploitation | 262497.39582 | 33873.00818 | 91115.16355 | 198970 | 554618.6289899999 | 518227.96238000004 | 1659302.1589199998 | 34985.96116 | 34985.96116 | 59696 | 46383 | 106079 | 1800367.1200799998 Bénéfice net | 180285.65386000002 | -1528.0868200000077 | 13400.425875431989 | 73151 | 82636.49410000013 | 341723.59332 | 689669.0803354322 | 20053.29414000001 | 20053.29414000001 | 19669 | 23135.7 | 42804.7 | 752527.0744754322 TRIM 1 2014 (octobre - décembre 13) Revenus nets d'intérêt | 270461.53023999993 | 32873.7772 | 56832.005563399995 | 138474 | 348667.9931199999 | 328849.8662299999 | 1176159.1723534 | 39556.91327999999 | 39556.91327999999 | 32213 | 46665 | 78878 | 1294594.0856334 Autres revenus | 123597.06815 | 11002.19656 | 38813.099524144 | 107137 | 313605.58811 | 418037.95193 | 1012192.904274144 | 10027.1781 | 10027.1781 | 47676 | 22326 | 70002 | 1092222.0823741439 Dot. à la provision pr créances dout. | 25263.93278 | 4124.07864 | 7042.18818 | 4936 | 77676.66572 | 12028.613389999999 | 131071.47871000001 | 2250 | 2250 | -16831 | 3699.7 | -13131.3 | 120190.17871 Frais d'exploitation | 248932.25921000002 | 32949.520189999996 | 80800.98645 | 169671 | 461076.46063999995 | 447835.25807 | 1441265.4845599998 | 31769.000900000003 | 31769.000900000003 | 66069 | 59367 | 125436 | 1598470.4854599999 Bénéfice net | 119862.40639999995 | 6802.374929999998 | 7801.930457544004 | 56803 | 100665.4548699999 | 254369.32791999995 | 546304.4945775438 | 11362.516049999987 | 11362.516049999987 | 21970 | 3951.1100000000033 | 25921.110000000004 | 583588.1206275438 VARIATION TRIM 1 15 / TRIM 1 14 Revenus nets d'intérêt | 0.21010891278909022 | -0.23230012004826753 | 0.15974791584477824 | 0.2568713260251022 | 0.08323870926693143 | 0.33467800246275353 | 0.19803448856839484 | 0.3187969278779887 | 0.3187969278779887 | 0.1116629932015025 | 0.0048644594449801775 | 0.0484799310327341 | 0.19261226771326667 Autres revenus | -0.0655511243209048 | 0.6913114329962485 | 0.09284576599233799 | 0.19277187152897693 | 0.20328600757470716 | 0.1764455683974627 | 0.15933051967155107 | 0.2953486285438573 | 0.2953486285438573 | 0.11043292222501888 | 0.20666487503359313 | 0.14112453929887717 | 0.15941239199942556 Dot. à la provision pr créances dout. | 0 | 1.788602081554876 | -0.4586992050530522 | 1.3146272285251215 | 0.3211529982494722 | 0.4970388037386246 | 0.12432863808651527 | 0.2 | 0.2 | 1.0060008317984672 | -2.5141768251479855 | 0.5810772733849656 | 0.20281389629027868 Frais d'exploitation | 0.05449328525378612 | 0.028027357748301146 | 0.12764914827348622 | 0.17268124782667632 | 0.20287777914352462 | 0.1571843731406185 | 0.15128140977202678 | 0.10126098299805192 | 0.10126098299805192 | -0.0964597617642162 | -0.21870736267623428 | -0.15431773972384324 | 0.12630613855963635 Bénéfice net | 0.504105075767944 | -1.224640193421389 | 0.7175782261010251 | 0.2878017006144042 | -0.17909779271630474 | 0.3434150890530059 | 0.26242615094856936 | 0.7648638780140629 | 0.7648638780140629 | -0.10473372781065089 | 4.855493772636039 | 0.6513451777335149 | 0.28948319521347526 RÉSULTATS CUMUL 2015 (octobre - décembre 14) Revenus nets d'intérêt | 327287.90830999997 | 25237.194809999997 | 65910.80000543199 | 174044 | 377690.66683 | 438908.68257 | 1409079.252525432 | 52167.535710000004 | 52167.535710000004 | 35810 | 46892 | 82702 | 1543948.788235432 Autres revenus | 115495.14137000001 | 18608.140829999997 | 42416.73148 | 127790 | 377357.21606999997 | 491798.89597 | 1173466.12572 | 12988.6914 | 12988.6914 | 52941 | 26940 | 79881 | 1266335.8171199998 Dot. à la provision pr créances dout. | 0 | 11500.41428 | 3811.94206 | 11425 | 102622.75981 | 18007.301 | 147367.41715 | 2700 | 2700 | 101 | -5602 | -5501 | 144566.41715 Frais d'exploitation | 262497.39582 | 33873.00818 | 91115.16355 | 198970 | 554618.6289899999 | 518227.96238000004 | 1659302.1589199998 | 34985.96116 | 34985.96116 | 59696 | 46383 | 106079 | 1800367.1200799998 Bénéfice net | 180285.65386000002 | -1528.0868200000077 | 13400.425875431989 | 73151 | 82636.49410000013 | 341723.59332 | 689669.0803354322 | 20053.29414000001 | 20053.29414000001 | 19669 | 23135.7 | 42804.7 | 752527.0744754322 CUMUL 2014 (octobre - décembre 13) Revenus nets d'intérêt | 270461.53023999993 | 32873.7772 | 56832.005563399995 | 138474 | 348667.9931199999 | 328849.8662299999 | 1176159.1723534 | 39556.91327999999 | 39556.91327999999 | 32213 | 46665 | 78878 | 1294594.0856334 Autres revenus | 123597.06815 | 11002.19656 | 38813.099524144 | 107137 | 313605.58811 | 418037.95193 | 1012192.904274144 | 10027.1781 | 10027.1781 | 47676 | 22326 | 70002 | 1092222.0823741439 Dot. à la provision pr créances dout. | 25263.93278 | 4124.07864 | 7042.18818 | 4936 | 77676.66572 | 12028.613389999999 | 131071.47871000001 | 2250 | 2250 | -16831 | 3699.7 | -13131.3 | 120190.17871 Frais d'exploitation | 248932.25921000002 | 32949.520189999996 | 80800.98645 | 169671 | 461076.46063999995 | 447835.25807 | 1441265.4845599998 | 31769.000900000003 | 31769.000900000003 | 66069 | 59367 | 125436 | 1598470.4854599999 Bénéfice net | 119862.40639999995 | 6802.374929999998 | 7801.930457544004 | 56803 | 100665.4548699999 | 254369.32791999995 | 546304.4945775438 | 11362.516049999987 | 11362.516049999987 | 21970 | 3951.1100000000033 | 25921.110000000004 | 583588.1206275438 VARIATION CUMUL 15/ CUMUL 14 Revenus nets d'intérêt | 0.21010891278909022 | -0.23230012004826753 | 0.15974791584477824 | 0.2568713260251022 | 0.08323870926693143 | 0.33467800246275353 | 0.19803448856839484 | 0.3187969278779887 | 0.3187969278779887 | 0.1116629932015025 | 0.0048644594449801775 | 0.0484799310327341 | 0.19261226771326667 Autres revenus | -0.0655511243209048 | 0.6913114329962485 | 0.09284576599233799 | 0.19277187152897693 | 0.20328600757470716 | 0.1764455683974627 | 0.15933051967155107 | 0.2953486285438573 | 0.2953486285438573 | 0.11043292222501888 | 0.20666487503359313 | 0.14112453929887717 | 0.15941239199942556 Dot. à la provision pr créances dout. | 0 | 1.788602081554876 | -0.4586992050530522 | 1.3146272285251215 | 0.3211529982494722 | 0.4970388037386246 | 0.12432863808651527 | 0.2 | 0.2 | 1.0060008317984672 | -2.5141768251479855 | 0.5810772733849656 | 0.20281389629027868 Frais d'exploitation | 0.05449328525378612 | 0.028027357748301146 | 0.12764914827348622 | 0.17268124782667632 | 0.20287777914352462 | 0.1571843731406185 | 0.15128140977202678 | 0.10126098299805192 | 0.10126098299805192 | -0.0964597617642162 | -0.21870736267623428 | -0.15431773972384324 | 0.12630613855963635 Bénéfice net | 0.504105075767944 | -1.224640193421389 | 0.7175782261010251 | 0.2878017006144042 | -0.17909779271630474 | 0.3434150890530059 | 0.26242615094856936 | 0.7648638780140629 | 0.7648638780140629 | -0.10473372781065089 | 4.855493772636039 | 0.6513451777335149 | 0.28948319521347526 0 | 0 [sysratfinclédéc. 14] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2014 | 0.07441205680857094 | 0.03993976408896387 | 0.05017527200186265 | 0.08723395617280141 | 0.0730820017315578 | 0.09817257959842662 | 0.08146991825074841 | 0.08074868884627064 | 0.08074868884627064 | 0.06134703578292764 | 0.04446904811824284 | 0.0530609958051227 | 0.07962523715001245 Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401663660898733 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694472935955 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731152706469 Dépôts en % de l'actif Au 31 décembre 2014 | 0.789876541541452 | 0.8996605861182448 | 0.8340567125343711 | 0.8460375587464395 | 0.8067755355220966 | 0.8379993245123369 | 0.8184297896726818 | 0.7434230048656452 | 0.7434230048656452 | 0.7213813935820159 | 0.8520487367946366 | 0.785530914909063 | 0.813965655305315 Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2014 | 0.04983087713195972 | 0.4214990426151619 | 0.029074623627164203 | 0.013055971452746357 | 0.06572007729066545 | 0.0021438281630590567 | 0.0401739997519735 | 0.09568204667475882 | 0.09568204667475882 | 1.3896740547298112e-05 | 0.06594121967427166 | 0.03586517043126149 | 0.04258603198009489 Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.02138304931574691 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2014 | 0.5355822040631438 | 0.7821049285679624 | 0.46314319452299446 | 0.5196324481865285 | 0.4694713466802863 | 2.520557549197176 | 0.5914399596070705 | 0.20260584372392962 | 0.20260584372392962 | 0 | 0.571503330834618 | 0.572116438404593 | 0.5488372868420589 Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2014 | 0.07841313225111914 | 0.9211558806144916 | 0.12826987709576068 | 0.03313749253031158 | 0.17811709151512586 | -0.013600623566944844 | 0.07330396273486796 | 0.5272138538479961 | 0.5272138538479961 | -0.00019478439161914524 | 0.22214482381882908 | 0.09128510530460046 | 0.08851962626544033 Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699985685611523 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706940208534 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833574352168 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.006286571401482859 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 TRIM 1 2014 (octobre - décembre 2013) | 0.0114 | 0.0097 | 0.0075 | 0.0218 | 0.0085 | 0.0191 | 0.0136 | 0.0107 | 0.0107 | 0.0164 | 0.0027 | 0.0092 | 0.0133 CUMUL 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.006021122285634515 | 0.006286571401482859 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 CUMUL 2014 (octobre - décembre 2013) | 0.0114 | 0.0097 | 0.0075 | 0.0218 | 0.0085 | 0.0191 | 0.0136 | 0.0107 | 0.0107 | 0.0164 | 0.0027 | 0.0092 | 0.0133 ROE (rendement de l'avoir des actionn.) TRIM 1 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942293128503687 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362302852487 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.1989395370656032 TRIM 1 2014 (octobre - décembre 2013) | 0.1744 | 0.1368 | 0.1981 | 0.2536 | 0.113 | 0.2083 | 0.1756 | 0.1 | 0.1 | 0.3532 | 0.0619 | 0.2057 | 0.1741 CUMUL 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942293128503687 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362302852487 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.1989395370656032 CUMUL 2014 (octobre - décembre 2013) | 0.1744 | 0.1368 | 0.1981 | 0.2536 | 0.113 | 0.2083 | 0.1756 | 0.1 | 0.1 | 0.3532 | 0.0619 | 0.2057 | 0.1741 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 TRIM 1 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 CUMUL 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 CUMUL 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 Rendement moyen des prêts TRIM 1 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626 TRIM 1 2014 (octobre - décembre 2013) | 0.0772 | 0.098 | 0.1511 | 0.1219 | 0.0674 | 0.0684 | 0.077 | 0.0754 | 0.0754 | 0.0908 | 0.0815 | 0.0852 | 0.0775 CUMUL 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626 CUMUL 2014 (octobre - décembre 2013) | 0.0772 | 0.098 | 0.1511 | 0.1219 | 0.0674 | 0.0684 | 0.077 | 0.0754 | 0.0754 | 0.0908 | 0.0815 | 0.0852 | 0.0775 Rendement moyen des prêts productifs TRIM 1 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455606717165 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982289787458 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.08690340952233942 TRIM 1 2014 (octobre - décembre 2013) | 0.0803 | 0.1405 | 0.1686 | 0.1227 | 0.0697 | 0.0685 | 0.0794 | 0.0827 | 0.0827 | 0.0917 | 0.0891 | 0.0902 | 0.0802 CUMUL 2015 (octobre - décembre 2014) | 0.08199927183078883 | 0.12983421517045296 | 0.12825455606717165 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982289787458 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.08690340952233941 CUMUL 2014 (octobre - décembre 2013) | 0.0803 | 0.1405 | 0.1686 | 0.1227 | 0.0697 | 0.0685 | 0.0794 | 0.0827 | 0.0827 | 0.0917 | 0.0891 | 0.0902 | 0.0802 Rémunération moyenne des dépôts TRIM 1 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305 TRIM 1 2014 (octobre - décembre 2013) | 0.0023 | 0.0036 | 0.0027 | 0.0048 | 0.0038 | 0.0026 | 0.003 | 0.0263 | 0.0263 | 0.0028 | 0.0007 | 0.0017 | 0.0034 CUMUL 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305 CUMUL 2014 (octobre - décembre 2013) | 0.0023 | 0.0036 | 0.0027 | 0.0048 | 0.0038 | 0.0026 | 0.003 | 0.0263 | 0.0263 | 0.0028 | 0.0007 | 0.0017 | 0.0034 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 TRIM 1 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 CUMUL 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 CUMUL 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 Productivité par employé ('000) TRIM 1 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359 TRIM 1 2014 (octobre - décembre 2013) | 2743.66 | 1235.94 | 1848.21 | 1978.74 | 1957.94 | 2882.35 | 2297.78 | 3198.97 | 3198.97 | 8409.37 | 3049.33 | 4634.4 | 2386.82 CUMUL 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359 CUMUL 2014 (octobre - décembre 2013) | 2743.66 | 1235.94 | 1848.21 | 1978.74 | 1957.94 | 2882.35 | 2297.78 | 3198.97 | 3198.97 | 8409.37 | 3049.33 | 4634.4 | 2386.82 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclésept. 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401663660898733 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694472935955 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731152706469 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.0003530517210407771 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699985685611523 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706940208534 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833574352168 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2014 (juillet - septembre 2014) | 0.004504436339437025 | 0.002855833419768662 | 0.009968332455238592 | 0.02125431884266389 | 0.011141491921435145 | 0.03240178640088492 | 0.01701062280447699 | 0.010782537021730522 | 0.010782537021730522 | 0.004983576342994076 | -0.004709689773443081 | 0.0004731436626041405 | 0.01573201148388411 TRIM 4 2013 (juillet - septembre 2013) | 0.0097 | -0.0041 | 0.0461 | 0.0168 | 0.0106 | 0.0327 | 0.0188 | 0.0162 | 0.0162 | -0.0097 | -0.0135 | -0.0116 | 0.0166 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.009402594767414332 | -0.001913737079623673 | 0.002118585548914055 | 0.021077083666040275 | 0.009138060571334029 | 0.02771575027492474 | 0.015845491087009344 | 0.011331509113639653 | 0.011331509113639653 | 0.022338398949436355 | -0.0013401712624093896 | 0.010838546070714756 | 0.015398337683709466 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0104 | 0.0129 | 0.0106 | 0.0197 | 0.0107 | 0.024 | 0.0157 | 0.013 | 0.013 | -0.0003 | 0.0147 | 0.0072 | 0.0151 ROE (rendement de l'avoir des actionn.) TRIM 4 2014 (juillet - septembre 2014) | 0.06609817437266395 | 0.07056267018068657 | 0.3724021056334021 | 0.25166098313439694 | 0.153272882144854 | 0.3502657279145414 | 0.2208434687076912 | 0.12799582534765128 | 0.12799582534765128 | 0.09097334739726623 | -0.11066834480013193 | 0.00963776472630021 | 0.20871037818670732 TRIM 4 2013 (juillet - septembre 2013) | 0.1519 | -0.0917 | 1.3792 | 0.207 | 0.148 | 0.3768 | 0.2541 | 0.1575 | 0.1575 | -0.2394 | -0.2969 | -0.2698 | 0.2394 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.1433879248856003 | -0.03405846491251682 | 0.12457131153150512 | 0.24980219847954527 | 0.1252800978873477 | 0.30630635045938825 | 0.20882968703884447 | 0.12333932071595143 | 0.12333932071595143 | 0.4570828276973791 | -0.031128200255743293 | 0.23538578805679017 | 0.20708066700194447 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.179 | 0.307 | -1.0524 | 0.24 | 0.1545 | 0.283 | 0.2242 | 0.1283 | 0.1283 | -0.0062 | 0.3442 | 0.1673 | 0.2186 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2014 (juillet - septembre 2014) | 0.9398676031109472 | 0.8858420671691244 | 0.928805278982118 | 0.9095752680086794 | 0.8447126831619745 | 0.8624726962147817 | 0.8839197217559494 | 0.6004208265230057 | 0.6004208265230057 | 0.8393159021751381 | 0.9786021460481817 | 0.9193227330503394 | 0.8710573464584173 TRIM 4 2013 (juillet - septembre 2013) | 0.9583423729410312 | 0.9000395790436512 | 0.9547625252836981 | 0.9329728200845837 | 0.9063832032694609 | 0.9228542369339289 | 0.9291457891278633 | 0.7970790586090167 | 0.7970790586090167 | 0.9251265804882188 | 0.9788375067035189 | 0.9561877497465259 | 0.9248008658363653 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.9346877432175572 | 0.9098120276371312 | 0.9460195238763798 | 0.9205588404583748 | 0.877635283056174 | 0.881525356991579 | 0.9001839571164845 | 0.6343436522959987 | 0.6343436522959987 | 0.9119244277916934 | 0.9815569711312906 | 0.9515909192142655 | 0.8906179363218174 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.9601693890259704 | 0.9368919507076952 | 0.9574256284489606 | 0.9386604559198135 | 0.9074444603777176 | 0.9378471045777851 | 0.9344396834997565 | 0.7861788355736378 | 0.7861788355736378 | 0.928615595015531 | 0.9791577175618693 | 0.9601541537544207 | 0.9295607228943829 Rendement moyen des prêts TRIM 4 2014 (juillet - septembre 2014) | 0.07907395176079653 | 0.06465529767455018 | 0.11824747183414595 | 0.12999999908410456 | 0.07199439277607839 | 0.07866026427487564 | 0.08233830348886749 | 0.08878893848420943 | 0.08878893848420943 | 0.09533439944863532 | 0.08099529742201259 | 0.08640641107090946 | 0.08286227995797024 TRIM 4 2013 (juillet - septembre 2013) | 0.0834 | 0.0752 | 0.1471 | 0.1206 | 0.0642 | 0.0688 | 0.0764 | 0.0904 | 0.0904 | 0.0937 | 0.0833 | 0.0873 | 0.0777 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.07388363719790912 | 0.08010018886855656 | 0.12701144854886312 | 0.12750818336585298 | 0.07221575036261622 | 0.07124952630104844 | 0.07877198896851155 | 0.082557802290236 | 0.082557802290236 | 0.10182490311925643 | 0.0829999421085822 | 0.09016982254114234 | 0.07956504360669436 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0886 | 0.0966 | 0.1347 | 0.1212 | 0.0636 | 0.0638 | 0.0754 | 0.0885 | 0.0885 | 0.087 | 0.0985 | 0.094 | 0.0771 Rendement moyen des prêts productifs TRIM 4 2014 (juillet - septembre 2014) | 0.08220414482690334 | 0.09942812841778843 | 0.1204467433181131 | 0.1309051013272788 | 0.07441761497089962 | 0.07881357054495323 | 0.08464201091069311 | 0.09850483922809175 | 0.09850483922809175 | 0.09535188977576595 | 0.08670521442823137 | 0.09010732410183606 | 0.08554122063711722 TRIM 4 2013 (juillet - septembre 2013) | 0.0853 | 0.1074 | 0.1602 | 0.1215 | 0.0656 | 0.0689 | 0.0782 | 0.0976 | 0.0976 | 0.0946 | 0.0913 | 0.0927 | 0.0798 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.07647188275185553 | 0.12453649692041639 | 0.13670346608427125 | 0.1283215064777489 | 0.07348336615279534 | 0.07133822630024861 | 0.0806443526706825 | 0.09001886891409101 | 0.09001886891409101 | 0.10290021883855494 | 0.08960208919037671 | 0.09487559457022172 | 0.08179737992803453 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0905 | 0.143 | 0.1477 | 0.122 | 0.0644 | 0.0639 | 0.0769 | 0.0946 | 0.0946 | 0.0878 | 0.1099 | 0.1007 | 0.0791 Rémunération moyenne des dépôts TRIM 4 2014 (juillet - septembre 2014) | 0.002280797244357299 | 0.004002059735976259 | 0.004702299606461289 | 0.006828737644815598 | 0.006523005106089453 | 0.005134411295705198 | 0.004912433305153346 | 0.035213393111772844 | 0.035213393111772844 | 0.004351743000693909 | 0.0008297367953460265 | 0.0026427417620906884 | 0.005523714518831194 TRIM 4 2013 (juillet - septembre 2013) | 0.0015 | 0.0049 | 0.0026 | 0.0044 | 0.0034 | 0.0023 | 0.0026 | 0.018 | 0.018 | 0.0022 | 0.0008 | 0.0015 | 0.0028 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.0021957282675551353 | 0.004136318924972395 | 0.0033556219815742113 | 0.005625054054486075 | 0.005048233112163958 | 0.003976522715336909 | 0.0039288702731499585 | 0.030071443498115833 | 0.030071443498115833 | 0.002623494519776049 | 0.0007269498045063902 | 0.0016750619273024974 | 0.004378630147915443 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0011 | 0.004 | 0.0025 | 0.0041 | 0.0034 | 0.0018 | 0.0023 | 0.0166 | 0.0166 | 0.0022 | 0.0011 | 0.0016 | 0.0025 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2014 (juillet - septembre 2014) | 0.7646124679703716 | 0.7356711444556842 | 1.0632189982968676 | 0.7232397724680854 | 0.6338583142481118 | 0.5014572849478823 | 0.6355778368803148 | 0.5952444596480727 | 0.5952444596480727 | 0.8685680873180873 | 1.2783329063113844 | 1.0641175431684486 | 0.655790623294296 TRIM 4 2013 (juillet - septembre 2013) | 0.7206536751329417 | 0.8080492647218387 | 0.8115984648893941 | 0.7403883807301822 | 0.6944748328100792 | 0.5118765311279985 | 0.6437325788912321 | 0.554560688822761 | 0.554560688822761 | 0.9147307876657613 | 1.6944996042381237 | 1.3319093928069954 | 0.6759956105276037 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.6765288207359405 | 0.7958986463640942 | 1.0056598916110797 | 0.6966345664319791 | 0.6795697610704285 | 0.5268450267320995 | 0.639284622239757 | 0.6076258517981356 | 0.6076258517981356 | 0.5541634438104134 | 0.9811535129454204 | 0.7277552434429897 | 0.6442907360144908 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.6638553044944727 | 0.6582289269889277 | 0.914483829895417 | 0.7033762961717699 | 0.6599955502641739 | 0.5546378635457817 | 0.6383583075893451 | 0.5163221915723314 | 0.5163221915723314 | 0.9304241848201009 | 0.8469337387159586 | 0.8837852513841735 | 0.6505758523215176 Productivité par employé ('000) TRIM 4 2014 (juillet - septembre 2014) | 2928.572767837627 | 1091.103999739414 | 2431.627096627906 | 2269.5372549019608 | 2351.2508350418293 | 3738.6765651086957 | 2767.6872081885444 | 3579.6744823880595 | 3579.6744823880595 | 9328.484848484848 | 3122.4 | 4787.447154471544 | 2839.304476904206 TRIM 4 2013 (juillet - septembre 2013) | 2990.4 | 1131.95 | 2845.45 | 2013.25 | 2108.38 | 3595.32 | 2646.42 | 4420.7 | 4420.7 | 6766.49 | 3182.9 | 4222.84 | 2723.22 CUMUL 2014 (octobre 2013 - septembre 2014) | 2676.4013162245733 | 1069.7496281756758 | 1929.707924212677 | 2082.6867704280157 | 2154.8660453316106 | 3397.92386234965 | 2512.500441609096 | 3548.1153692063485 | 3548.1153692063485 | 11746.457142857143 | 3129.3777777777777 | 5542.16 | 2619.903655649858 CUMUL 2013 (octobre 2013 - septembre 2013) | 2699.7 | 1295.89 | 1787.18 | 1896.61 | 2059.84 | 3033.68 | 2359.76 | 3910.93 | 3910.93 | 6957.97 | 3710.37 | 4673.1 | 2457.61 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfincléjuin 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2014 | 0.06833493698775292 | 0.038863119571471115 | 0.055605232022362866 | 0.0847068744528905 | 0.07302000093478006 | 0.09267736157936914 | 0.07790461213409336 | 0.08636624007953322 | 0.08636624007953322 | 0.05775875585072 | 0.0432620301248619 | 0.05084390333319419 | 0.07635740757058533 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 30 juin 2014 | 0.8002896215267851 | 0.8724826119511965 | 0.8506898390990936 | 0.8561215882111015 | 0.8256504321249453 | 0.8403449795196175 | 0.8276211277882833 | 0.6989199726408724 | 0.6989199726408724 | 0.7801178204169268 | 0.8401637614777273 | 0.8087593795222955 | 0.8227065418823759 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2014 | 0.02989262632619841 | 0.32612986204396305 | 0.014612971405087473 | 0.007961016993459752 | 0.039304479799887444 | 0.0033189606937650694 | 0.028446926424954597 | 0.10408606390790066 | 0.10408606390790066 | 0 | 0.06543265926120789 | 0.041732708568150235 | 0.03275416477249695 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2014 | 0.7156925102894751 | 0.8823734460123144 | 0.8037625386410249 | 0.7956784311924499 | 0.6406890130840146 | 2.192712402297941 | 0.7913398562798428 | 0.19866799788030845 | 0.19866799788030845 | 0 | 0.6467353595351883 | 0.6608003216330659 | 0.6933448337478264 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2014 | 0.028997561164033774 | 0.4338774935791825 | 0.024261419700000092 | 0.009389710995712475 | 0.07593160970165433 | -0.01592790156055473 | 0.02702142130358636 | 0.5710733270473757 | 0.5710733270473757 | -0.0059233164017696216 | 0.21778655494435206 | 0.08487256702643414 | 0.04710549299612725 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2014 (avril - juin 2014) | 0.013322830045721107 | -0.00966628366366608 | 0.0011008860734992077 | 0.02295407258392324 | 0.010426833461705077 | 0.032768439475096084 | 0.018822586178623507 | 0.010366166897591005 | 0.010366166897591005 | 0.07139614248621405 | -0.009842126668392058 | 0.03110049765842081 | 0.01937569276360065 TRIM 3 2013 (avril - juin 2013) | 0.012716704104397035 | 0.037362557727393414 | -0.028733344606773206 | 0.02147890300822905 | 0.014597072738131595 | 0.029674700359892288 | 0.01902338713923453 | 0.01741214063438429 | 0.01741214063438429 | 0.00017481196493725199 | 0.008415838514377733 | 0.004033198367830645 | 0.017887615447555745 CUMUL 2014 (octobre 2013 - juin 2014) | 0.011278125579922227 | -0.003472205403363291 | -0.0007404416528587352 | 0.02151012251588616 | 0.008590793337490578 | 0.027144061589946145 | 0.01582326197621674 | 0.011668548603281967 | 0.011668548603281967 | 0.029787217521914156 | -0.00022562479155719683 | 0.014823247060945328 | 0.015649113884682053 CUMUL 2013 (octobre 2013 - juin 2013) | 0.010970940171173067 | 0.019568066134870336 | -0.0026584986935804526 | 0.019947785471126685 | 0.01062125298216681 | 0.02175130693274606 | 0.014877681568161943 | 0.01198543784270735 | 0.01198543784270735 | 0.0028551403191436103 | 0.02390833497604457 | 0.012876977156557917 | 0.014670389193682081 ROE (rendement de l'avoir des actionn.) TRIM 3 2014 (avril - juin 2014) | 0.1996670519474108 | -0.23330870763270256 | 0.019457655567696644 | 0.2796919906315 | 0.1437071661052999 | 0.34396354641510785 | 0.24056143589599274 | 0.11698359039944044 | 0.11698359039944044 | 1.3181741837149543 | -0.22156931382387032 | 0.6304544092419274 | 0.25268642310890993 TRIM 3 2013 (avril - juin 2013) | 0.2105701703275966 | 3.3431883705953833 | 2.241798655876637 | 0.2729795464087588 | 0.21715614584380744 | 0.37062680678300614 | 0.2791927801049516 | 0.17284692080560576 | 0.17284692080560576 | 0.004743206095898205 | 0.17375145147960327 | 0.09539868284177438 | 0.2669133502957532 CUMUL 2014 (octobre 2013 - juin 2014) | 0.1716484860842938 | -0.06442460738875005 | -0.015631736925679963 | 0.25415792307100715 | 0.11722466452016433 | 0.2996944659867589 | 0.2062010618019755 | 0.12337850642981678 | 0.12337850642981678 | 0.5758653935834798 | -0.005155847359333257 | 0.3104036428477012 | 0.20774536741377933 CUMUL 2013 (octobre 2013 - juin 2013) | 0.18802179183277204 | 1.9957515927859377 | 0.16848816336974146 | 0.2537282253786464 | 0.15733949986866128 | 0.2611411332770673 | 0.21764765174181114 | 0.12055145734662644 | 0.12055145734662644 | 0.07255118323640115 | 0.5396585328920329 | 0.30873062814376095 | 0.21793705731086702 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2014 (avril - juin 2014) | 0.9376296541558427 | 0.9194533205715755 | 0.9445528440501495 | 0.9213410739218668 | 0.8737033669393225 | 0.8390419295074107 | 0.8869121351892709 | 0.6178819834652726 | 0.6178819834652726 | 0.9365542244640606 | 0.9810541606142353 | 0.9614162821434368 | 0.8787857547409763 TRIM 3 2013 (avril - juin 2013) | 0.9597137916212669 | 0.9403213311679534 | 0.964666949687675 | 0.9315107342389609 | 0.9042764210967034 | 0.9370052130359405 | 0.9332107125040066 | 0.8048889281105941 | 0.8048889281105941 | 0.6707212310576318 | 0.9761675048752951 | 0.8412282152298005 | 0.9212940316997363 CUMUL 2014 (octobre 2013 - juin 2014) | 0.9326811629168358 | 0.9162234054670474 | 0.9526710351923604 | 0.9247954721077611 | 0.889317575561553 | 0.8888816033320691 | 0.9062664633816025 | 0.6489565671539016 | 0.6489565671539016 | 0.9354741430516591 | 0.9825403662840786 | 0.9622120215818536 | 0.897932745461774 CUMUL 2013 (octobre 2013 - juin 2013) | 0.960970126246683 | 0.9470178295626018 | 0.9583528458735422 | 0.9407416168904134 | 0.9077986706025726 | 0.9430468809761379 | 0.9363563578708023 | 0.7822448281078842 | 0.7822448281078842 | 0.9298235305638796 | 0.9792441277969498 | 0.9613342607905626 | 0.9312613918293057 Rendement moyen des prêts TRIM 3 2014 (avril - juin 2014) | 0.08408650949685588 | 0.07688779144000053 | 0.11893182763615713 | 0.13428888844822306 | 0.08081431823545056 | 0.07890336197637736 | 0.08664380753096304 | 0.0811807154574455 | 0.0811807154574455 | 0.10406981271489854 | 0.08013679854402148 | 0.08925903241682884 | 0.08654273751555516 TRIM 3 2013 (avril - juin 2013) | 0.07918212074805626 | 0.10687335628570079 | 0.1364067931957637 | 0.1198430349475515 | 0.0637573791891593 | 0.07100010750777302 | 0.07700394003565024 | 0.08899783846219883 | 0.08899783846219883 | 0.08519492641340329 | 0.0842814275821893 | 0.08465904863154819 | 0.07801995748771341 CUMUL 2014 (octobre 2013 - juin 2014) | 0.07805353096943744 | 0.08313784904239105 | 0.12630539126969625 | 0.12333545580192416 | 0.07208802306567089 | 0.07242737782337207 | 0.07972407831993365 | 0.08013574443013936 | 0.08013574443013936 | 0.10820286080122171 | 0.08114457961505274 | 0.09103581304786346 | 0.080384131135286 CUMUL 2013 (octobre 2013 - juin 2013) | 0.08787460548298442 | 0.0954760190395998 | 0.13581305876452454 | 0.11951234381234001 | 0.06382018627765915 | 0.06534516698404373 | 0.07598699553282966 | 0.08631765795866968 | 0.08631765795866968 | 0.07920964672492532 | 0.10308362308151582 | 0.09326600135977019 | 0.07759934910313387 Rendement moyen des prêts productifs TRIM 3 2014 (avril - juin 2014) | 0.08778658912110278 | 0.11314333844997787 | 0.12203034293170577 | 0.13528535076855402 | 0.08558092235892922 | 0.07916799469177707 | 0.08989460548753914 | 0.09043447199392854 | 0.09043447199392854 | 0.10406981271489854 | 0.08604020827578347 | 0.0932170466812622 | 0.09010941851009828 TRIM 3 2013 (avril - juin 2013) | 0.08085597546139775 | 0.14901302678142064 | 0.1376962673232622 | 0.12075707126949385 | 0.06554405037741956 | 0.07116977191381105 | 0.07878012072226279 | 0.0988074530349786 | 0.0988074530349786 | 0.08519492641340329 | 0.09244705764341409 | 0.08928535727376152 | 0.08024663760100766 CUMUL 2014 (octobre 2013 - juin 2014) | 0.0800920674864757 | 0.12463179355409677 | 0.13556686262138035 | 0.12426249342425406 | 0.07386472954611588 | 0.0726151524656478 | 0.08171247811395156 | 0.08790415638773173 | 0.08790415638773173 | 0.10937145570453273 | 0.08754000494298873 | 0.09585307347707382 | 0.08275332586735364 CUMUL 2013 (octobre 2013 - juin 2013) | 0.08996083264731496 | 0.13303030421182058 | 0.13837364763043103 | 0.12038596426827346 | 0.06545444196063042 | 0.06550936305431845 | 0.07770651007967395 | 0.09273164277326451 | 0.09273164277326451 | 0.07920964672492532 | 0.1152545317956442 | 0.0994492157216451 | 0.07973852612407716 Rémunération moyenne des dépôts TRIM 3 2014 (avril - juin 2014) | 0.002272875097701529 | 0.0034625018131110514 | 0.0033839093129849947 | 0.005800050904147802 | 0.005673863394028917 | 0.00574893404858615 | 0.0047615049749920105 | 0.0316950805795074 | 0.0316950805795074 | 0.0020790231087938157 | 0.000750231391534403 | 0.0013991652201075977 | 0.005173756600274939 TRIM 3 2013 (avril - juin 2013) | 0.0012025246685935164 | 0.004422350387240892 | 0.001991569567840677 | 0.0044596739694405 | 0.0033824861610969505 | 0.001970590645590894 | 0.002380201675724208 | 0.01690067469894078 | 0.01690067469894078 | 0.0017885346027258068 | 0.0009742935663581718 | 0.0014210481489422835 | 0.0025896194731955054 CUMUL 2014 (octobre 2013 - juin 2014) | 0.002229475529220378 | 0.0039667722598538905 | 0.0028849285130231844 | 0.005282695940145357 | 0.004520988701906856 | 0.0036899917675809264 | 0.0036521560195065437 | 0.02874101495266659 | 0.02874101495266659 | 0.00206053766872093 | 0.0007004679379476833 | 0.0013649109049559602 | 0.004053872889615977 CUMUL 2013 (octobre 2013 - juin 2013) | 0.0010498429889061534 | 0.0035310052091721074 | 0.002422322860989621 | 0.0037585387367797935 | 0.003355279676899374 | 0.0016330829925971736 | 0.0021631347035900327 | 0.01645580587033184 | 0.01645580587033184 | 0.0018740389412922193 | 0.0010859199190845512 | 0.001501147423630761 | 0.0024179986256735076 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2014 (avril - juin 2014) | 0.5997526952708631 | 0.8812194163814072 | 1.0087220184853003 | 0.6559576746594044 | 0.6676786907477196 | 0.5029810121967844 | 0.6074190274824798 | 0.6249601050393291 | 0.6249601050393291 | 0.3131536308734718 | 0.9346189962299056 | 0.49708805521910104 | 0.5985817255667323 TRIM 3 2013 (avril - juin 2013) | 0.5986995508873347 | 0.5126586312167909 | 1.4168077403024997 | 0.6787929953822736 | 0.5839355308161784 | 0.5307319546693219 | 0.5955289931363609 | 0.48340005914533596 | 0.48340005914533596 | 0.8866169418608427 | 0.7631694790902421 | 0.8061860632212055 | 0.6029455473285238 CUMUL 2014 (octobre 2013 - juin 2014) | 0.6413962516559648 | 0.817553889912292 | 0.9807096761685362 | 0.6867788538472863 | 0.697433405952601 | 0.5368729639483506 | 0.6407396495605463 | 0.612164427712371 | 0.612164427712371 | 0.4817545770664879 | 0.8823880032168031 | 0.636990519763324 | 0.6398812478839627 CUMUL 2013 (octobre 2013 - juin 2013) | 0.6408866754833173 | 0.6174923938387047 | 0.9825142509867323 | 0.6900437438564085 | 0.6478675047411852 | 0.5727900488097408 | 0.6362283792656039 | 0.5012602558546387 | 0.5012602558546387 | 0.9353766878094527 | 0.6105534255063708 | 0.7516646807317586 | 0.6406732766000661 Productivité par employé ('000) TRIM 3 2014 (avril - juin 2014) | 2709.852712069786 | 975.6827297627119 | 1801.840831418956 | 2274.2419354838707 | 2237.2641633424164 | 3608.0478646407323 | 2625.6278751157165 | 3220.0987825563925 | 3220.0987825563925 | 18858.333333333332 | 3171.1555555555556 | 7653.206349206349 | 2787.1366831503274 TRIM 3 2013 (avril - juin 2013) | 2708.618443534558 | 1757.2889783512542 | 1015.2739378794045 | 2017.4709677419355 | 2144.498655198141 | 3143.1670041727316 | 2412.6886225629282 | 3978.1019354385962 | 3978.1019354385962 | 8017.789473684211 | 3277.158469945355 | 4668.2316602316605 | 2510.4884128199205 CUMUL 2014 (octobre 2013 - juin 2014) | 2612.6908763777774 | 1059.8573741069397 | 1790.4172241957867 | 2112.603110209601 | 2082.2370153169427 | 3256.8472624590927 | 2436.882942165624 | 3461.8353583068783 | 3461.8353583068783 | 12730.133333333333 | 3131.703703703704 | 5819.264 | 2556.2485151379965 CUMUL 2013 (octobre 2013 - juin 2013) | 2560.78949801085 | 1372.9309844917254 | 1417.5949555418717 | 1918.7065527065527 | 2065.116615297083 | 2828.609885397436 | 2271.9095539388413 | 3806.646128654971 | 3806.646128654971 | 7051.875555555555 | 3846.7039106145253 | 4793.112860892388 | 2377.0069513974436 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclémars 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2014 | 0.06508621346600958 | 0.04418573445791735 | 0.057586176119218305 | 0.07941688747385343 | 0.07208221332595692 | 0.09779983284353788 | 0.07858629677883652 | 0.09105012540417186 | 0.09105012540417186 | 0.04995848519465114 | 0.045575735651482346 | 0.0476944529390944 | 0.0770043504966324 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 31 mars 2014 | 0.8024438729037784 | 0.8680410699758865 | 0.8556175000210494 | 0.8642042317505231 | 0.8226739076585597 | 0.867688515874981 | 0.8372789252875653 | 0.6933572955349637 | 0.6933572955349637 | 0.8017135969010147 | 0.8418603021583528 | 0.8224525040098215 | 0.8325331064551846 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2014 | 0.05442506855539557 | 0.31478098996230286 | 0.03840148551589591 | 0.006710116679829678 | 0.07211139631435001 | 0.0033657073790817203 | 0.04391860571753089 | 0.10048908499405608 | 0.10048908499405608 | 0 | 0.0718222388237441 | 0.04315207331523513 | 0.046435050386389516 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2014 | 0.4233703882252086 | 0.8827609582159821 | 0.3559013693986774 | 0.7608206604877171 | 0.28886829936273045 | 1.894714995316339 | 0.4741279418708415 | 0.20528726502377548 | 0.20528726502377548 | 0 | 0.5030656185511672 | 0.783522002075555 | 0.46485220722976817 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2014 | 0.11427944531677703 | 0.39601902281196266 | 0.17330211422429537 | 0.009024343318885028 | 0.2849541875247341 | -0.011558919762307654 | 0.10431820963109567 | 0.5397315961211763 | 0.5397315961211763 | -0.1735915505956446 | 0.31552100216610873 | 0.06784920488044699 | 0.11661073969908937 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2014 (janvier - mars 2014) | 0.009550026160036789 | -0.00937151040711154 | -0.01047850009389995 | 0.01942826359963237 | 0.0069249591431309 | 0.02906011203983928 | 0.015072541408737011 | 0.014940139508983591 | 0.014940139508983591 | 0.00258578103666161 | 0.006340200146581622 | 0.004575176685514103 | 0.01440365359604406 TRIM 2 2013 (janvier - mars 2013) | 0.01 | 0.0097 | 0.0226 | 0.0194 | 0.0083 | 0.0194 | 0.0133 | 0.0127 | 0.0127 | 0.0027 | 0.0363 | 0.0186 | 0.0137 CUMUL 2014 (octobre 2013 - mars 2014) | 0.010392318600126956 | -0.00011049232563235361 | -0.0017190810050276254 | 0.020416866742206986 | 0.007683980059401221 | 0.023732268852096464 | 0.014237955481915303 | 0.012544878255944603 | 0.012544878255944603 | 0.009466201696793046 | 0.004563175784588311 | 0.006920080730948116 | 0.013736288290721512 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0099 | 0.0105 | 0.0115 | 0.0198 | 0.0084 | 0.0175 | 0.0127 | 0.0096 | 0.0096 | 0.0041 | 0.0325 | 0.0172 | 0.0129 ROE (rendement de l'avoir des actionn.) TRIM 2 2014 (janvier - mars 2014) | 0.14400119978241888 | -0.1652853779774771 | -0.21895151492264497 | 0.23374718621826626 | 0.09332131407675243 | 0.30152666612404816 | 0.19040952476323533 | 0.15034044954381628 | 0.15034044954381628 | 0.05264348062050563 | 0.14411292835343134 | 0.09776919764631971 | 0.18559614577682676 TRIM 2 2013 (janvier - mars 2013) | 0.1917 | 1.435 | -0.3451 | 0.2411 | 0.1264 | 0.2325 | 0.2053 | 0.1334 | 0.1334 | 0.0691 | 0.739 | 0.4215 | 0.2126 CUMUL 2014 (octobre 2013 - mars 2014) | 0.1622093922262499 | -0.0019287445616628198 | -0.03562488251347787 | 0.24932516566962185 | 0.10553131359326963 | 0.2546154279463448 | 0.1847190814751632 | 0.12874114169093442 | 0.12874114169093442 | 0.20021388019563746 | 0.10159845832024336 | 0.15026839386683535 | 0.18157746446154233 CUMUL 2013 (octobre 2013 - mars 2013) | 0.1807 | 2.071 | -0.1772 | 0.2502 | 0.1286 | 0.2203 | 0.1964 | 0.0977 | 0.0977 | 0.1058 | 0.7056 | 0.4086 | 0.2021 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2014 (janvier - mars 2014) | 0.9275181879691887 | 0.8849406075636684 | 0.9558343093531831 | 0.9250555286068064 | 0.8914698084362648 | 0.9176759708156087 | 0.9135287019121052 | 0.654392189650229 | 0.654392189650229 | 0.9526254762299156 | 0.9842648644166183 | 0.9706954936181297 | 0.9044015282494487 TRIM 2 2013 (janvier - mars 2013) | 0.9676039301635727 | 0.9433458734530036 | 0.9559015760529685 | 0.9473514188172241 | 0.9115702548492304 | 0.9422253469513527 | 0.9391427584153668 | 0.7596464892263273 | 0.7596464892263273 | 0.932232329476876 | 0.9817876114095258 | 0.9651498379062228 | 0.933188130963662 CUMUL 2014 (octobre 2013 - mars 2014) | 0.9298947937296947 | 0.9146926870998514 | 0.9569567994675174 | 0.9267938546864883 | 0.8985916078609463 | 0.918049737557435 | 0.9174321777303901 | 0.6668892755893672 | 0.6668892755893672 | 0.9348980592727527 | 0.983288420964676 | 0.96262275069267 | 0.9089097572852997 CUMUL 2013 (octobre 2013 - mars 2013) | 0.9617065526335528 | 0.9511575049617146 | 0.9552388508386775 | 0.945658906530902 | 0.9094715828570182 | 0.9463297918368263 | 0.938019200481613 | 0.7700805033740993 | 0.7700805033740993 | 0.9292420000927973 | 0.9803887128183588 | 0.9634819684870298 | 0.9325177804530076 Rendement moyen des prêts TRIM 2 2014 (janvier - mars 2014) | 0.07507806082782871 | 0.07374185322572759 | 0.12037614990826055 | 0.12311582048763477 | 0.06555533111522362 | 0.06757127871773796 | 0.0745961555557843 | 0.08248622996883509 | 0.08248622996883509 | 0.08787875098910464 | 0.08200135748986842 | 0.08443857294228052 | 0.07554203671422424 TRIM 2 2013 (janvier - mars 2013) | 0.08 | 0.0817 | 0.1358 | 0.1168 | 0.0649 | 0.063 | 0.0738 | 0.0842 | 0.0842 | 0.0791 | 0.1175 | 0.1019 | 0.0761 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0757323559560027 | 0.08571300956119571 | 0.13820232406247224 | 0.12241812321290707 | 0.06734761526219836 | 0.06739640737751931 | 0.07589646533700663 | 0.07876580744499925 | 0.07876580744499925 | 0.09829059089116235 | 0.08162443781371893 | 0.0880343086983738 | 0.07672845239347538 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0893 | 0.093 | 0.1348 | 0.1195 | 0.065 | 0.0627 | 0.0756 | 0.0834 | 0.0834 | 0.0741 | 0.1137 | 0.0971 | 0.0774 Rendement moyen des prêts productifs TRIM 2 2014 (janvier - mars 2014) | 0.07942183742135307 | 0.10387979225175298 | 0.1269040022406348 | 0.1238550402818438 | 0.07011200592210948 | 0.0677775999605375 | 0.07782785233866715 | 0.0919243803448651 | 0.0919243803448651 | 0.08787875098910464 | 0.08919161422469289 | 0.08862023995619532 | 0.07906488003982544 TRIM 2 2013 (janvier - mars 2013) | 0.0815 | 0.1171 | 0.1373 | 0.1177 | 0.066 | 0.0632 | 0.0753 | 0.0938 | 0.0938 | 0.0791 | 0.1308 | 0.1085 | 0.0781 CUMUL 2014 (octobre 2013 - mars 2014) | 0.07868543477135646 | 0.12739628935586172 | 0.15149804601874925 | 0.12325561729986595 | 0.07019898197011834 | 0.06757347774823672 | 0.07841849230362784 | 0.08618601807677369 | 0.08618601807677369 | 0.09927320802758871 | 0.08836895877246174 | 0.09274337932141483 | 0.07955890038319643 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0911 | 0.1338 | 0.1373 | 0.1203 | 0.0661 | 0.0628 | 0.077 | 0.0918 | 0.0918 | 0.0741 | 0.1277 | 0.1037 | 0.0794 Rémunération moyenne des dépôts TRIM 2 2014 (janvier - mars 2014) | 0.0022281779553125084 | 0.004873067972453534 | 0.0024552460812381103 | 0.005044900126702525 | 0.004229886272634966 | 0.002524481197700391 | 0.0031572463727636995 | 0.030359850224953095 | 0.030359850224953095 | 0.0015911492785004994 | 0.0006242919268011547 | 0.0010787871490298136 | 0.003594420053189268 TRIM 2 2013 (janvier - mars 2013) | 0.0008 | 0.0035 | 0.0027 | 0.0035 | 0.0034 | 0.0017 | 0.0021 | 0.0181 | 0.0181 | 0.0017 | 0.0011 | 0.0014 | 0.0024 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0022449950692803684 | 0.0042814983409671875 | 0.0026147942766082534 | 0.0048765385202920895 | 0.003948125682052602 | 0.0025049786252711137 | 0.0030517693627513253 | 0.027269274855116724 | 0.027269274855116724 | 0.0021762948743712 | 0.0006675822975115974 | 0.001378342642276887 | 0.003451006046199966 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0015 | 0.0021 | 0.0172 | 0.0172 | 0.0017 | 0.0012 | 0.0015 | 0.0023 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2014 (janvier - mars 2014) | 0.7023338620043865 | 0.8347920738778455 | 1.103823405632522 | 0.7171561782595318 | 0.7316862155091262 | 0.5215869819847087 | 0.6613419425031223 | 0.57742053302737 | 0.57742053302737 | 0.4939800359542057 | 0.8511851142889314 | 0.6570822622107969 | 0.6590814416023064 TRIM 2 2013 (janvier - mars 2013) | 0.6378065026846498 | 0.6755597585907235 | 0.767566282814592 | 0.715894885469409 | 0.6802565878693533 | 0.5818393180426656 | 0.6468844681148346 | 0.5083273523629672 | 0.5083273523629672 | 0.8998143829422683 | 0.4829612455779186 | 0.6440628084782862 | 0.6435223534485189 CUMUL 2014 (octobre 2013 - mars 2014) | 0.6651584146224413 | 0.7890901515774374 | 0.9672494283562587 | 0.7041927036898277 | 0.7145745663899689 | 0.5574014052117194 | 0.6600151750246959 | 0.60593923064633 | 0.60593923064633 | 0.65577319524936 | 0.8557758910017924 | 0.7477601156069364 | 0.6642321984245352 CUMUL 2013 (octobre 2013 - mars 2013) | 0.6650702236273768 | 0.6940672640466446 | 0.8446362848246312 | 0.696055224577671 | 0.6821596140342214 | 0.5971763698886624 | 0.6586939299995481 | 0.5108075878296067 | 0.5108075878296067 | 0.8985716039782262 | 0.5481186389805998 | 0.6883009724632462 | 0.6572077655392679 Productivité par employé ('000) TRIM 2 2014 (janvier - mars 2014) | 2343.8794197685947 | 1023.7078198601398 | 1710.791587469965 | 2030.1741741741741 | 2058.8034931017014 | 3322.5586378857956 | 2387.7631481223266 | 3691.8160024427475 | 3691.8160024427475 | 8672 | 3140.243093922652 | 4806.177606177606 | 2485.3635727736846 TRIM 2 2013 (janvier - mars 2013) | 2525.21 | 1157.4 | 1823.18 | 1890.64 | 2095.3 | 2855.38 | 2293.74 | 3749.99 | 3749.99 | 6548.88 | 4350.7 | 4999.2 | 2405.87 CUMUL 2014 (octobre 2013 - mars 2014) | 2476.6595885194374 | 1133.4299763380282 | 1800.4817211858658 | 1996.516 | 2001.2136067905283 | 3066.824764128181 | 2323.7690570086183 | 3521.20250944 | 3521.20250944 | 8654.78947368421 | 3111.9777777777776 | 4757.5 | 2418.6504792777387 CUMUL 2013 (octobre 2013 - mars 2013) | 2457.12 | 1177.57 | 1598.98 | 1883.84 | 2033.69 | 2726.32 | 2212.87 | 3720.92 | 3720.92 | 6346.23 | 4072.11 | 4753.46 | 2319.94 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclédéc. 13 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2013 | 0.06756273498718765 | 0.06987351784593303 | 0.03770170709237968 | 0.0870135131079675 | 0.07636450325518582 | 0.09487612237598875 | 0.07974846780641365 | 0.10871970751419446 | 0.10871970751419446 | 0.04827264032561701 | 0.042455281044486384 | 0.04521781241018626 | 0.07822902880947961 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 31 décembre 2013 | 0.8117420239083275 | 0.8662815810350329 | 0.8820243519796762 | 0.8524718775522453 | 0.7972498069705379 | 0.8658969875930865 | 0.8308793810337939 | 0.6563314665509591 | 0.6563314665509591 | 0.7954428260922484 | 0.8147346034511499 | 0.8055733779743377 | 0.8249857687518566 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2013 | 0.0549588148735503 | 0.265203961110005 | 0.06528125303348466 | 0.005208599663825625 | 0.05798568115084276 | 0.002710543592300367 | 0.039102626496680296 | 0.10501826389970001 | 0.10501826389970001 | 0 | 0.08952756527635604 | 0.051067973089693096 | 0.04265788229027242 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2013 | 0.2996864383311242 | 0.8820343312270964 | 0.20196535145315178 | 1.1628201575551245 | 0.2870974822167787 | 2.0359016327263086 | 0.4375677827321229 | 0.20081171778993706 | 0.20081171778993706 | #DIV/0! | 0.4285063134007021 | 0.47359718369959464 | 0.4154185174472904 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2013 | 0.13674048326773747 | 0.2211696638111108 | 0.5482128809295178 | -0.004474913069400864 | 0.224060811280408 | -0.011293756854838055 | 0.0998242983077997 | 0.4965043069888507 | 0.4965043069888507 | -0.03579553547026149 | 0.4664890816904084 | 0.2118513748219269 | 0.11746019600354837 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199019 TRIM 1 2013 (octobre - décembre 2012) | 0.0085 | 0.0117 | 0.0007 | 0.0202 | 0.0082 | 0.0164 | 0.0116 | 0.0055 | 0.0055 | 0.0061 | 0.0282 | 0.0168 | 0.0117 CUMUL 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199019 CUMUL 2013 (octobre - décembre 2012) | 0.0085 | 0.0117 | 0.0007 | 0.0202 | 0.0082 | 0.0164 | 0.0116 | 0.0055 | 0.0055 | 0.0061 | 0.0282 | 0.0168 | 0.0117 ROE (rendement de l'avoir des actionn.) TRIM 1 2014 (octobre - décembre 2013) | 0.17442378768489986 | 0.1368176887755292 | 0.19811700250644249 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444068879312 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.1741323171569377 TRIM 1 2013 (octobre - décembre 2012) | 0.1689 | 2.2983 | -0.0094 | 0.2516 | 0.1247 | 0.1912 | 0.1775 | 0.0585 | 0.0585 | 0.1437 | 0.6301 | 0.3836 | 0.1816 CUMUL 2014 (octobre - décembre 2013) | 0.17442378768489986 | 0.1368176887755292 | 0.19811700250644249 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444068879312 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.1741323171569377 CUMUL 2013 (octobre - décembre 2012) | 0.1689 | 2.2983 | -0.0094 | 0.2516 | 0.1247 | 0.1912 | 0.1775 | 0.0585 | 0.0585 | 0.1437 | 0.6301 | 0.3836 | 0.1816 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 TRIM 1 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.925931960375391 | 0.9789136778687753 | 0.9616948721750366 | 0.9318060572362425 CUMUL 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 CUMUL 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.925931960375391 | 0.9789136778687753 | 0.9616948721750366 | 0.9318060572362425 Rendement moyen des prêts TRIM 1 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 TRIM 1 2013 (octobre - décembre 2012) | 0.0962 | 0.1039 | 0.1334 | 0.1178 | 0.0616 | 0.0649 | 0.0762 | 0.082 | 0.082 | 0.0781 | 0.1098 | 0.097 | 0.0779 CUMUL 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 CUMUL 2013 (octobre - décembre 2012) | 0.0962 | 0.1039 | 0.1334 | 0.1178 | 0.0616 | 0.0649 | 0.0762 | 0.082 | 0.082 | 0.0781 | 0.1098 | 0.097 | 0.0779 Rendement moyen des prêts productifs TRIM 1 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 TRIM 1 2013 (octobre - décembre 2012) | 0.0982 | 0.149 | 0.136 | 0.1187 | 0.0625 | 0.0651 | 0.0776 | 0.0883 | 0.0883 | 0.0781 | 0.1246 | 0.1044 | 0.0798 CUMUL 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 CUMUL 2013 (octobre - décembre 2012) | 0.0982 | 0.149 | 0.136 | 0.1187 | 0.0625 | 0.0651 | 0.0776 | 0.0883 | 0.0883 | 0.0781 | 0.1246 | 0.1044 | 0.0798 Rémunération moyenne des dépôts TRIM 1 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 TRIM 1 2013 (octobre - décembre 2012) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0019 | 0.0013 | 0.0016 | 0.0023 CUMUL 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 CUMUL 2013 (octobre - décembre 2012) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0019 | 0.0013 | 0.0016 | 0.0023 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 TRIM 1 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.897246837583711 | 0.6265042859375564 | 0.7390012015936926 | 0.6722430209787185 CUMUL 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 CUMUL 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.897246837583711 | 0.6265042859375564 | 0.7390012015936926 | 0.6722430209787185 Productivité par employé ('000) TRIM 1 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 TRIM 1 2013 (octobre - décembre 2012) | 2338.98 | 1185.27 | 1402.83 | 1829.35 | 1957.11 | 2597.12 | 2100.09 | 3691.84 | 3691.84 | 6224.42 | 3696.84 | 4447.22 | 2201.19 CUMUL 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 CUMUL 2013 (octobre - décembre 2012) | 2238.98 | 1185.27 | 1402.83 | 1829.35 | 1957.11 | 2597.12 | 2100.09 | 3691.84 | 3691.84 | 6224.42 | 3696.84 | 4447.22 | 2201.19 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclésept. 13] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Au 30 septembre 2012 | 0.05266973682367087 | 0.003301324723803739 | -0.06947920535743012 | 0.07925475325501843 | 0.06522507110110207 | 0.08140650062483315 | 0.06460620207663469 | 0.0974048932901363 | 0.0974048932901363 | 0.04178424047647657 | 0.04119409353538745 | 0.04150672074513288 | 0.06400962442413707 Dépôts en % de l'actif Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 Au 30 septembre 2012 | 0.8800767315120303 | 0.8721309935435586 | 0.9857765170848188 | 0.8395183368247991 | 0.8417447000359448 | 0.8693685846758717 | 0.8647728542368357 | 0.7589502147715492 | 0.7589502147715492 | 0.849473182052142 | 0.8420728426795384 | 0.8459931331837248 | 0.8609392156197279 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0.02138304931574691 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Au 30 septembre 2012 | 0.02250378175349875 | 0.30632818111126214 | 0.026702420605065683 | 0.006028196191044251 | 0.015073409300106743 | 0.0025836322998953882 | 0.018517675657580994 | 0.058063921735295086 | 0.058063921735295086 | 0 | 0.1274921352254244 | 0.07429590709477153 | 0.024200329348311928 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0.9141797571983347 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Au 30 septembre 2012 | 1.312977127654505 | 0.8933478865384162 | 1.2885172502918723 | 1.1623702040652688 | 1.2322488431461607 | 1.2760734157295166 | 1.1056620010890224 | 0.587298451057056 | 0.587298451057056 | 0 | 0.5981338981873742 | 0.7111243836377527 | 0.9665773033806727 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 Au 30 septembre 2012 | -0.021023748538564913 | 5.651186513842888 | 0.04854095950685364 | -0.005420279070763416 | -0.019334169306543664 | -0.002824560966788583 | -0.00915304232626726 | 0.12347074373197214 | 0.12347074373197214 | -0.13966075214819776 | 0.5675764218910158 | 0.1904162861334853 | 0.003934274284168308 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2013 (juillet - septembre 2013) | 0.009668334072490055 | -0.00411034858963863 | 0.04613419992107667 | 0.016817301247975334 | 0.010599173196819772 | 0.032734165068634906 | 0.018759847196948665 | 0.01624469743005703 | 0.01624469743005703 | -0.00970484213148223 | -0.013524875672847176 | -0.011614611932214847 | 0.016612970827087986 TRIM 4 2012 (juillet - septembre 2012) | 0.0036 | 0.0182 | -0.0012 | 0.0201 | 0.0089 | 0.0339 | 0.0162 | 0.0122 | 0.0122 | 0.0016 | -0.0082 | -0.0031 | 0.0149 CUMUL 2013 (octobre 2012 - septembre 2013) | 0.010369323065274858 | 0.012900300422932586 | 0.01061977090985839 | 0.019688930593089224 | 0.010733247409257412 | 0.02403205122088777 | 0.01572963681871759 | 0.012959608702168971 | 0.012959608702168971 | -0.0002666571855222925 | 0.01474859893600223 | 0.00719449044560441 | 0.01512702513099098 CUMUL 2012 (octobre 2011 - septembre 2012) | 0.0103 | 0.0139 | -0.0071 | 0.0207 | 0.0087 | 0.023 | 0.0145 | 0.0123 | 0.0123 | 0.0023 | 0.0078 | 0.0049 | 0.0138 ROE (rendement de l'avoir des actionn.) TRIM 4 2013 (juillet - septembre 2013) | 0.15194541925191846 | -0.09170706111134933 | 1.3791513507558417 | 0.20697852936122899 | 0.1480101430754324 | 0.3768097267321939 | 0.2541069798449964 | 0.15754122002382304 | 0.15754122002382304 | -0.23939985748052678 | -0.29685038938347463 | -0.2697972532583952 | 0.2294032467914294 TRIM 4 2012 (juillet - septembre 2012) | 0.0701 | 2.81 | 0.018 | 0.2584 | 0.1363 | 0.4169 | 0.2548 | 0.1261 | 0.1261 | 0.0394 | -0.185 | -0.0725 | 0.2361 CUMUL 2013 (octobre 2012 - septembre 2013) | 0.17901364482309468 | 0.30696032540925366 | -1.0523957400851942 | 0.24003960638072622 | 0.15453267255859063 | 0.2829802381200909 | 0.22422571176636202 | 0.12827717051344426 | 0.12827717051344426 | -0.006180981692824326 | 0.3441926467053941 | 0.16732695730491287 | 0.21856062469687987 CUMUL 2012 (octobre 2011 - septembre 2012) | 0.1976 | 4.7069 | 0.1153 | 0.2638 | 0.139 | 0.2878 | 0.2284 | 0.1238 | 0.1238 | 0.0556 | 0.1765 | 0.1141 | 0.2193 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2013 (juillet - septembre 2013) | 0.9583423729410312 | 0.9000395790436512 | 0.9547625252836981 | 0.9329728200845837 | 0.9063832032694609 | 0.9228542369339289 | 0.9291457891278633 | 0.7970790586090167 | 0.7970790586090167 | 0.9251265804882188 | 0.9788375067035189 | 0.9561877497465259 | 0.9248008658363653 TRIM 4 2012 (juillet - septembre 2012) | 0.9468845159367675 | 0.9522113377165252 | 0.9534538420737688 | 0.9477186239584362 | 0.9067365107003867 | 0.9411606701920883 | 0.9335281571020316 | 0.7841235414164655 | 0.7841235414164655 | 0.9097471765913757 | 0.9665195435206171 | 0.9447990572754278 | 0.926947537376528 CUMUL 2013 (octobre 2012 - septembre 2013) | 0.9601693890259704 | 0.9368919507076952 | 0.9574256284489606 | 0.9386604559198135 | 0.9074444603777176 | 0.9378471045777851 | 0.9344396834997565 | 0.7861788355736378 | 0.7861788355736378 | 0.928615595015531 | 0.9791577175618693 | 0.9601541537544207 | 0.9295607228943829 CUMUL 2012 (octobre 2011 - septembre 2012) | 0.9442473731506381 | 0.9582810376939352 | 0.9551556293214003 | 0.9503915134154031 | 0.8977737723940363 | 0.9411959632668799 | 0.9307081495339251 | 0.7717307705684113 | 0.7717307705684113 | 0.920714081282198 | 0.9655667213075808 | 0.9476679277607253 | 0.9243816720093956 Rendement moyen des prêts TRIM 4 2013 (juillet - septembre 2013) | 0.08339426350651614 | 0.07515286453569972 | 0.14705375029874362 | 0.12060543251251825 | 0.064236711632442 | 0.06877290338713213 | 0.07644988770744306 | 0.0903939897187691 | 0.0903939897187691 | 0.09370974863328461 | 0.08331847768477936 | 0.08734667220359654 | 0.07769334824047017 TRIM 4 2012 (juillet - septembre 2012) | 0.0932 | 0.1022 | 0.1323 | 0.1245 | 0.0579 | 0.066 | 0.0754 | 0.0885 | 0.0885 | 0.0742 | 0.0888 | 0.0826 | 0.0765 CUMUL 2013 (octobre 2012 - septembre 2013) | 0.08858435526792668 | 0.09658214646106929 | 0.13465427128983312 | 0.12119184212045712 | 0.06364897258748217 | 0.06377036135831916 | 0.07541173108709948 | 0.0885216816350595 | 0.0885216816350595 | 0.08699914591224392 | 0.0984997552214833 | 0.09396937226178478 | 0.07714370835107429 CUMUL 2012 (octobre 2011 - septembre 2012) | 0.1159 | 0.126 | 0.1358 | 0.129 | 0.058 | 0.0669 | 0.0795 | 0.088 | 0.088 | 0.0804 | 0.0975 | 0.0898 | 0.0807 Rendement moyen des prêts productifs TRIM 4 2013 (juillet - septembre 2013) | 0.08530166328304008 | 0.10737433961863577 | 0.16017005857606614 | 0.1215299525110268 | 0.0656091364748075 | 0.06891917444614588 | 0.07821858508105076 | 0.0976270067953993 | 0.0976270067953993 | 0.09464214353246196 | 0.09129722597000672 | 0.09265920237124828 | 0.07983848371158535 TRIM 4 2012 (juillet - septembre 2012) | 0.0967 | 0.1404 | 0.1397 | 0.1254 | 0.059 | 0.0663 | 0.0772 | 0.0923 | 0.0923 | 0.0757 | 0.0956 | 0.0869 | 0.0785 CUMUL 2013 (octobre 2012 - septembre 2013) | 0.09054640350229598 | 0.1429761094981622 | 0.14769282298487635 | 0.12198291653271001 | 0.06439144170877936 | 0.06391003830584192 | 0.07690198600363853 | 0.09461427669936404 | 0.09461427669936404 | 0.08784916898141343 | 0.10994072139250945 | 0.10070477565680072 | 0.07906342745986583 CUMUL 2012 (octobre 2011 - septembre 2012) | 0.1221 | 0.1975 | 0.1425 | 0.1298 | 0.0589 | 0.0671 | 0.0814 | 0.0938 | 0.0938 | 0.0804 | 0.1136 | 0.0975 | 0.0832 Rémunération moyenne des dépôts TRIM 4 2013 (juillet - septembre 2013) | 0.0015090652708862236 | 0.004905059554880197 | 0.0026194882363284417 | 0.004449745521655598 | 0.0034085428649676635 | 0.0023208381569114252 | 0.0026227386753060753 | 0.017991397670844712 | 0.017991397670844712 | 0.0021938287481283406 | 0.0008463420966723123 | 0.0015184951353532426 | 0.0028469998633033444 TRIM 4 2012 (juillet - septembre 2012) | 0.001 | 0.0032 | 0.0026 | 0.0035 | 0.0029 | 0.0015 | 0.0019 | 0.0146 | 0.0146 | 0.0024 | 0.0016 | 0.002 | 0.0022 CUMUL 2013 (octobre 2012 - septembre 2013) | 0.0011404003173934244 | 0.003965639821830882 | 0.0024903566743890767 | 0.004081349710667824 | 0.00338014824800827 | 0.001781914095235012 | 0.002265021619887421 | 0.016615420672558334 | 0.016615420672558334 | 0.0021980394822814007 | 0.0010712939958533825 | 0.001636304116015849 | 0.0025246368645317776 CUMUL 2012 (octobre 2011 - septembre 2012) | 0.0012 | 0.003 | 0.0025 | 0.0033 | 0.0031 | 0.0014 | 0.002 | 0.0151 | 0.0151 | 0.0025 | 0.0018 | 0.0022 | 0.0023 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2013 (juillet - septembre 2013) | 0.7206536751329417 | 0.8080492647218387 | 0.8115984648893941 | 0.7403883807301822 | 0.6944748328100792 | 0.5118765311279985 | 0.6437325788912321 | 0.554560688822761 | 0.554560688822761 | 0.9147307876657613 | 1.6944996042381237 | 1.3319093928069954 | 0.6759956105276037 TRIM 4 2012 (juillet - septembre 2012) | 0.779938831585771 | 0.6112554422027494 | 0.9542167130135759 | 0.7159103752260397 | 0.6699595034803479 | 0.6082709030622073 | 0.6793118599003458 | 0.5440094861819671 | 0.5440094861819671 | 0.9513290486392129 | 0.6960803806948477 | 0.812250823366268 | 0.6846036795948772 CUMUL 2013 (octobre 2012 - septembre 2013) | 0.6638553044944727 | 0.6582289269889277 | 0.914483829895417 | 0.7033762961717699 | 0.6599955502641739 | 0.5546378635457817 | 0.6383583075893451 | 0.5163221915723314 | 0.5163221915723314 | 0.9304241848201009 | 0.8469337387159586 | 0.8837852513841735 | 0.6505758523215176 CUMUL 2012 (octobre 2011 - septembre 2012) | 0.6594638064852946 | 0.6404022875649867 | 1.0313565832278175 | 0.7004268143903029 | 0.7028888660353794 | 0.5859526831602841 | 0.6642116933850003 | 0.5205738014935513 | 0.5205738014935513 | 0.8116008323803453 | 0.7040630313511281 | 0.7538004252175512 | 0.667219252078381 Productivité par employé ('000) TRIM 4 2013 (juillet - septembre 2013) | 2990.40099662315 | 1131.9523888172046 | 2845.4468221176594 | 2013.253112033195 | 2108.378404353741 | 3595.320542149712 | 2646.4154635385835 | 4420.695446206894 | 4420.695446206894 | 6766.486486486487 | 3182.8950276243095 | 4222.839215686275 | 2723.2166430669113 TRIM 4 2012 (juillet - septembre 2012) | 2336.04 | 1190.13 | 1364.85 | 1801.5 | 2005.36 | 2754.43 | 2171.12 | 3774.2 | 3774.2 | 6547.01 | 3550.16 | 4484.4 | 2268.94 CUMUL 2013 (octobre 2012 - septembre 2013) | 2699.69916278733 | 1295.8897625964912 | 1787.1849556377947 | 1896.6107660455486 | 2059.8448177749424 | 3033.6840847876447 | 2359.755289635473 | 3910.9345856896543 | 3910.9345856896543 | 6957.973333333333 | 3710.370786516854 | 4673.098814229249 | 2457.608577367508 CUMUL 2012 (octobre 2011 - septembre 2012) | 2395 | 1179.46 | 1196.18 | 1782.68 | 1933.62 | 2693.36 | 2118.27 | 3501.3 | 3501.3 | 6927.4 | 3646.36 | 4669.2 | 2223.36 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfincléjuin 13 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2013 | 0.06423288013358208 | 0.015276754759909687 | 0.0288299292194328 | 0.07805647888501889 | 0.0696870353782458 | 0.0852498021486119 | 0.07208272395847855 | 0.10149396745876403 | 0.10149396745876403 | 0.037322982566788364 | 0.04679241533986461 | 0.041875395407735626 | 0.0705583594670917 Au 30 septembre 2012 | 0.05266973682367087 | 0.003301324723803739 | -0.06947920535743012 | 0.07925475325501843 | 0.06522507110110207 | 0.08140650062483315 | 0.06460620207663469 | 0.0974048932901363 | 0.0974048932901363 | 0.04178424047647657 | 0.04119409353538745 | 0.04150672074513288 | 0.06400962442413707 Dépôts en % de l'actif Au 30 juin 2013 | 0.8464224570219009 | 0.9069786530139738 | 0.8938231545208557 | 0.8576413800449074 | 0.8118427442251936 | 0.8686188078657634 | 0.8460691026401662 | 0.678076931511532 | 0.678076931511532 | 0.8179943941670574 | 0.8072785864430843 | 0.8128427888013762 | 0.8395558427875685 Au 30 septembre 2012 | 0.8800767315120303 | 0.8721309935435586 | 0.9857765170848188 | 0.8395183368247991 | 0.8417447000359448 | 0.8693685846758717 | 0.8647728542368357 | 0.7589502147715492 | 0.7589502147715492 | 0.849473182052142 | 0.8420728426795384 | 0.8459931331837248 | 0.8609392156197279 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2013 | 0.02365241334918163 | 0.2637682389625081 | 0.00981246058657372 | 0.008338885069483614 | 0.033916276218893524 | 0.00243261073531971 | 0.025298419592813818 | 0.07859066473250637 | 0.07859066473250637 | 0 | 0.08407122027590543 | 0.050007251143349925 | 0.02915192641279573 Au 30 septembre 2012 | 0.02250378175349875 | 0.30632818111126214 | 0.026702420605065683 | 0.006028196191044251 | 0.015073409300106743 | 0.0025836322998953882 | 0.018517675657580994 | 0.058063921735295086 | 0.058063921735295086 | 0 | 0.1274921352254244 | 0.07429590709477153 | 0.024200329348311928 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2013 | 0.687145586978856 | 0.8552188207117828 | 1.2397731606332456 | 0.9324110470161826 | 0.5536917969454977 | 2.1574089088942094 | 0.7370424535950422 | 0.3327291080965146 | 0.3327291080965146 | 0 | 0.6698510106110274 | 0.6737660602482638 | 0.6837595874794183 Au 30 septembre 2012 | 1.312977127654505 | 0.8933478865384162 | 1.2885172502918723 | 1.1623702040652688 | 1.2322488431461607 | 1.2760734157295166 | 1.1056620010890224 | 0.587298451057056 | 0.587298451057056 | 0 | 0.5981338981873742 | 0.7111243836377527 | 0.9665773033806727 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2013 | 0.027883138973861674 | 1.5574721133437173 | -0.027986950391897168 | 0.0031807349323493233 | 0.08278007819989847 | -0.011539396705680166 | 0.03156051357451019 | 0.3139277450628717 | 0.3139277450628717 | -0.003034462827830359 | 0.22045285576460907 | 0.11702243068778155 | 0.045117683295268024 Au 30 septembre 2012 | -0.021023748538564913 | 5.651186513842888 | 0.04854095950685364 | -0.005420279070763416 | -0.019334169306543664 | -0.002824560966788583 | -0.00915304232626726 | 0.12347074373197214 | 0.12347074373197214 | -0.13966075214819776 | 0.5675764218910158 | 0.1904162861334853 | 0.003934274284168308 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2013 (avril - juin 2013) | 0.012716704104397035 | 0.037362557727393414 | -0.028733344606773206 | 0.02147890300822905 | 0.014597072738131595 | 0.029674700359892288 | 0.01902338713923453 | 0.01741214063438429 | 0.01741214063438429 | 0.00017481196493725199 | 0.008415838514377733 | 0.004033198367830645 | 0.017887615447555745 TRIM 3 2012 (avril - juin 2012) | 0.0142 | 0.0069 | -0.0079 | 0.0232 | 0.0082 | 0.0171 | 0.0133 | 0.0119 | 0.0119 | 0.001 | 0.0101 | 0.0054 | 0.0127 CUMUL 2013 (octobre 2012 - juin 2013) | 0.010970940171173067 | 0.019568066134870336 | -0.0026584986935804526 | 0.019947785471126685 | 0.01062125298216681 | 0.02175130693274606 | 0.014877681568161943 | 0.01198543784270735 | 0.01198543784270735 | 0.0028551403191436103 | 0.02390833497604457 | 0.012876977156557917 | 0.014670389193682081 CUMUL 2012 (octobre 2011 - juin 2012) | 0.0119 | 0.0123 | -0.009 | 0.0209 | 0.0089 | 0.0206 | 0.0139 | 0.0123 | 0.0123 | 0.0026 | 0.0131 | 0.0076 | 0.0135 ROE (rendement de l'avoir des actionn.) TRIM 3 2013 (avril - juin 2013) | 0.2105701703275966 | 3.3431883705953833 | 2.241798655876637 | 0.2729795464087588 | 0.21715614584380744 | 0.37062680678300614 | 0.2791927801049516 | 0.17284692080560576 | 0.17284692080560576 | 0.004743206095898205 | 0.17375145147960327 | 0.09539868284177438 | 0.2669133502957532 TRIM 3 2012 (avril - juin 2012) | 0.2914 | 0.7525 | 0.1325 | 0.3072 | 0.124 | 0.2031 | 0.2093 | 0.1239 | 0.1239 | 0.0346 | 0.2174 | 0.125 | 0.2023 CUMUL 2013 (octobre 2012 - juin 2013) | 0.18802179183277204 | 1.9957515927859377 | 0.16848816336974146 | 0.2537282253786464 | 0.15733949986866128 | 0.2611411332770673 | 0.21764765174181114 | 0.12055145734662644 | 0.12055145734662644 | 0.07255118323640115 | 0.5396585328920329 | 0.30873062814376095 | 0.21793705731086702 CUMUL 2012 (octobre 2011 - juin 2012) | 0.2374 | 1.8672 | 0.1568 | 0.2715 | 0.1404 | 0.2581 | 0.2231 | 0.125 | 0.125 | 0.0642 | 0.2779 | 0.1743 | 0.2169 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2013 (avril - juin 2013) | 0.9597137916212669 | 0.9403213311679534 | 0.964666949687675 | 0.9315107342389609 | 0.9042764210967034 | 0.9370052130359405 | 0.9332107125040066 | 0.8048889281105941 | 0.8048889281105941 | 0.9308273486931682 | 0.9761675048752951 | 0.956459174673908 | 0.9288554771155165 TRIM 3 2012 (avril - juin 2012) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 CUMUL 2013 (octobre 2012 - juin 2013) | 0.960970126246683 | 0.9470178295626018 | 0.9583528458735422 | 0.9407416168904134 | 0.9077986706025726 | 0.9430468809761379 | 0.9363563578708023 | 0.7822448281078842 | 0.7822448281078842 | 0.9298235305638796 | 0.9792441277969498 | 0.9613342607905626 | 0.9312613918293057 CUMUL 2012 (octobre 2011 - juin 2012) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 Rendement moyen des prêts TRIM 3 2013 (avril - juin 2013) | 0.07918212074805626 | 0.10687335628570079 | 0.1364067931957637 | 0.1198430349475515 | 0.0637573791891593 | 0.07100010750777302 | 0.07700394003565024 | 0.08899783846219883 | 0.08899783846219883 | 0.08519492641340329 | 0.0842814275821893 | 0.08465904863154819 | 0.07801995748771341 TRIM 3 2012 (avril - juin 2012) | 0.137 | 0.1088 | 0.1323 | 0.1241 | 0.0575 | 0.0699 | 0.0835 | 0.0898 | 0.0898 | 0.0786 | 0.0935 | 0.0868 | 0.0841 CUMUL 2013 (octobre 2012 - juin 2013) | 0.08787460548298442 | 0.0954760190395998 | 0.13581305876452454 | 0.11951234381234001 | 0.06382018627765915 | 0.06534516698404373 | 0.07598699553282966 | 0.08631765795866968 | 0.08631765795866968 | 0.07920964672492532 | 0.10308362308151582 | 0.09326600135977019 | 0.07759934910313387 CUMUL 2012 (octobre 2011 - juin 2012) | 0.119 | 0.1331 | 0.1394 | 0.1288 | 0.0601 | 0.0712 | 0.0831 | 0.0886 | 0.0886 | 0.0821 | 0.1005 | 0.0921 | 0.0841 Rendement moyen des prêts productifs TRIM 3 2013 (avril - juin 2013) | 0.08085597546139775 | 0.14901302678142064 | 0.1376962673232622 | 0.12075707126949385 | 0.06554405037741956 | 0.07116977191381105 | 0.07878012072226279 | 0.0988074530349786 | 0.0988074530349786 | 0.08519492641340329 | 0.09244705764341409 | 0.08928535727376152 | 0.08024663760100766 TRIM 3 2012 (avril - juin 2012) | 0.1444 | 0.1552 | 0.1423 | 0.12151 | 0.0587 | 0.0701 | 0.0858 | 0.0953 | 0.0953 | 0.0795 | 0.1041 | 0.0925 | 0.0867 CUMUL 2013 (octobre 2012 - juin 2013) | 0.08996083264731496 | 0.13303030421182058 | 0.13837364763043103 | 0.12038596426827346 | 0.06545444196063042 | 0.06550936305431845 | 0.07770651007967395 | 0.09273164277326451 | 0.09273164277326451 | 0.07920964672492532 | 0.1152545317956442 | 0.0994492157216451 | 0.07973852612407716 CUMUL 2012 (octobre 2011 - juin 2012) | 0.1273 | 0.2096 | 0.1498 | 0.1299 | 0.0612 | 0.0715 | 0.0855 | 0.0949 | 0.0949 | 0.0821 | 0.1176 | 0.1 | 0.0871 Rémunération moyenne des dépôts TRIM 3 2013 (avril - juin 2013) | 0.0012025246685935164 | 0.004422350387240892 | 0.001991569567840677 | 0.0044596739694405 | 0.0033824861610969505 | 0.001970590645590894 | 0.002380201675724208 | 0.01690067469894078 | 0.01690067469894078 | 0.0017885346027258068 | 0.0009742935663581718 | 0.0014210481489422835 | 0.0025896194731955054 TRIM 3 2012 (avril - juin 2012) | 0.0012 | 0.0031 | 0.002 | 0.0033 | 0.003 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0026 | 0.0016 | 0.0021 | 0.0023 CUMUL 2013 (octobre 2012 - juin 2013) | 0.0010498429889061534 | 0.0035310052091721074 | 0.002422322860989621 | 0.0037585387367797935 | 0.003355279676899374 | 0.0016330829925971736 | 0.0021631347035900327 | 0.01645580587033184 | 0.01645580587033184 | 0.0018740389412922193 | 0.0010859199190845512 | 0.001501147423630761 | 0.0024179986256735076 CUMUL 2012 (octobre 2011 - juin 2012) | 0.0011 | 0.0029 | 0.0024 | 0.0032 | 0.0032 | 0.0015 | 0.002 | 0.015 | 0.015 | 0.0025 | 0.0019 | 0.0022 | 0.0023 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2013 (avril - juin 2013) | 0.5986995508873347 | 0.5126586312167909 | 1.4168077403024997 | 0.6787929953822736 | 0.5839355308161784 | 0.5307319546693219 | 0.5955289931363609 | 0.48340005914533596 | 0.48340005914533596 | 0.9944071735220366 | 0.7631694790902421 | 0.8797093969589901 | 0.6104826046302123 TRIM 3 2012 (avril - juin 2012) | 0.5888207777411302 | 0.6642937215359145 | 1.0504556340903595 | 0.6718435297818299 | 0.7418485155537484 | 0.5953718271024246 | 0.6659961745842355 | 0.5187902478235379 | 0.5187902478235379 | 0.7710380120960018 | 0.8178413661238214 | 0.7948723114217987 | 0.6720355612093348 CUMUL 2013 (octobre 2012 - juin 2013) | 0.6408866754833173 | 0.6174923938387047 | 0.9825142509867323 | 0.6900437438564085 | 0.6478675047411852 | 0.5727900488097408 | 0.6362283792656039 | 0.5012602558546387 | 0.5012602558546387 | 0.9353766878094527 | 0.6105534255063708 | 0.7516646807317586 | 0.6406732766000661 CUMUL 2012 (octobre 2011 - juin 2012) | 0.6183155157935144 | 0.6504787452565598 | 1.0598069519438413 | 0.6949761697542376 | 0.7150110731753793 | 0.5778760024941407 | 0.6587867883235798 | 0.511705657145715 | 0.511705657145715 | 0.7683735087633168 | 0.7066311300639659 | 0.7353317054245875 | 0.6610205962140948 Productivité par employé ('000) TRIM 3 2013 (avril - juin 2013) | 2708.618443534558 | 1757.2889783512542 | 1015.2739378794045 | 2017.4709677419355 | 2144.498655198141 | 3143.1670041727316 | 2412.6886225629282 | 3978.1019354385962 | 3978.1019354385962 | 8017.789473684211 | 3277.158469945355 | 4668.2316602316605 | 2510.4884128199205 TRIM 3 2012 (avril - juin 2012) | 2551.15 | 1113.4 | 1243.13 | 1806.99 | 1851.76 | 2432.21 | 2050.87 | 3505.64 | 3505.64 | 7400.71 | 3699.27 | 4902.62 | 2163.66 CUMUL 2013 (octobre 2012 - juin 2013) | 2560.78949801085 | 1372.9309844917254 | 1417.5949555418717 | 1918.7065527065527 | 2065.116615297083 | 2828.609885397436 | 2271.9095539388413 | 3806.646128654971 | 3806.646128654971 | 7051.875555555555 | 3846.7039106145253 | 4793.112860892388 | 2377.0069513974436 CUMUL 2012 (octobre 2011 - juin 2012) | 2371.04 | 1217.86 | 1165.17 | 1748.48 | 1897.84 | 2646.23 | 2085.56 | 3552.83 | 3552.83 | 6963.76 | 3813.01 | 4828.54 | 2195.96 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclémars 13 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2013 | 0.056701714236255155 | 0.006674493172617589 | -0.06059949205415551 | 0.07936544551482327 | 0.06524429911694025 | 0.07704965376950901 | 0.06423464664846554 | 0.0999592605842516 | 0.0999592605842516 | 0.03640380611335958 | 0.05019181828803647 | 0.042684042918096105 | 0.06350436941512558 Au 30 septembre 2012 | 0.05266973682367087 | 0.003301324723803739 | -0.06947920535743012 | 0.07925475325501843 | 0.06522507110110207 | 0.08140650062483315 | 0.06460620207663469 | 0.0974048932901363 | 0.0974048932901363 | 0.04178424047647657 | 0.04119409353538745 | 0.04150672074513288 | 0.06400962442413707 Dépôts en % de l'actif Au 31 mars 2013 | 0.8742210905507165 | 0.8607407879018061 | 0.9836464848476867 | 0.8350656023529599 | 0.7914521546314349 | 0.8236535793814699 | 0.8318924878172091 | 0.6739406949610514 | 0.6739406949610514 | 0.8861501466697954 | 0.785371098732665 | 0.8402467722034246 | 0.8288210176397124 Au 30 septembre 2012 | 0.8800767315120303 | 0.8721309935435586 | 0.9857765170848188 | 0.8395183368247991 | 0.8417447000359448 | 0.8693685846758717 | 0.8647728542368357 | 0.7589502147715492 | 0.7589502147715492 | 0.849473182052142 | 0.8420728426795384 | 0.8459931331837248 | 0.8609392156197279 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2013 | 0.01755251584253898 | 0.3044600151035564 | 0.008928700423898274 | 0.006765868299391061 | 0.020226466898401404 | 0.0023343241756509548 | 0.019671410241902366 | 0.12061376893241342 | 0.12061376893241342 | - | 0.09266871988334319 | 0.053607816835870646 | 0.02628738974340586 Au 30 septembre 2012 | 0.02250378175349875 | 0.30632818111126214 | 0.026702420605065683 | 0.006028196191044251 | 0.015073409300106743 | 0.0025836322998953882 | 0.018517675657580994 | 0.058063921735295086 | 0.058063921735295086 | 0 | 0.1274921352254244 | 0.07429590709477153 | 0.024200329348311928 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2013 | 1.313241910700881 | 0.8286958906732146 | 2.5891205489954836 | 1.0322771301920868 | 0.9759167303188614 | 1.9870469883893167 | 1.0315073317928038 | 0.20629028805851507 | 0.20629028805851507 | 0 | 0.61881819096585 | 0.6224406675706886 | 0.8129514084926184 Au 30 septembre 2012 | 1.312977127654505 | 0.8933478865384162 | 1.2885172502918723 | 1.1623702040652688 | 1.2322488431461607 | 1.2760734157295166 | 1.1056620010890224 | 0.587298451057056 | 0.587298451057056 | 0 | 0.5981338981873742 | 0.7111243836377527 | 0.9665773033806727 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2013 | -0.021125804015146535 | 4.691441734051265 | 0.09464220477437124 | -0.0012641916118378749 | 0.0026743527967612174 | -0.00998909141396565 | -0.0031247795827966628 | 0.580320722819395 | 0.580320722819395 | -0.003002514009746256 | 0.27394333216251027 | 0.14533008227849267 | 0.025485959191274984 Au 30 septembre 2012 | -0.021023748538564913 | 5.651186513842888 | 0.04854095950685364 | -0.005420279070763416 | -0.019334169306543664 | -0.002824560966788583 | -0.00915304232626726 | 0.12347074373197214 | 0.12347074373197214 | -0.13966075214819776 | 0.5675764218910158 | 0.1904162861334853 | 0.003934274284168308 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2013 (janvier - mars 2013) | 0.009986371701982584 | 0.009702388946116063 | 0.02258760371803434 | 0.019408694484875793 | 0.008307966034184657 | 0.019373433272277325 | 0.01334516075707389 | 0.012693280995356472 | 0.012693280995356472 | 0.0027399167694135457 | 0.036257499376791756 | 0.018598266563425243 | 0.013681146279934676 TRIM 2 2012 (janvier - mars 2012) | 0.0134 | 0.0023 | -0.0087 | 0.0203 | 0.0085 | 0.0294 | 0.0168 | 0.0134 | 0.0134 | 0.0017 | 0.0058 | 0.0038 | 0.016 CUMUL 2013 (octobre 2012 - mars 2013) | 0.00988364494833144 | 0.010469003212810659 | 0.011507064806166865 | 0.019841965029904637 | 0.00838851032364936 | 0.017455228772494714 | 0.01265064753454982 | 0.009639609353612952 | 0.009639609353612952 | 0.004104867189375502 | 0.032490235385634156 | 0.0172239683477661 | 0.012884772417472377 CUMUL 2012 (octobre 2011 - mars 2012) | 0.0104 | 0.0149 | -0.0095 | 0.0199 | 0.0093 | 0.0227 | 0.0143 | 0.0127 | 0.0127 | 0.0036 | 0.0146 | 0.0089 | 0.0139 ROE (rendement de l'avoir des actionn.) TRIM 2 2013 (janvier - mars 2013) | 0.19171602123792972 | 1.435002593215969 | -0.3450764615855057 | 0.24111019957171148 | 0.12635027679890626 | 0.23251287093032044 | 0.20534209403932482 | 0.1334012918998677 | 0.1334012918998677 | 0.06905516124663164 | 0.738968028732818 | 0.4215484466683396 | 0.21262478443238622 TRIM 2 2012 (janvier - mars 2012) | 0.2732 | 0.2498 | 0.1493 | 0.2657 | 0.13 | 0.3416 | 0.2613 | 0.1341 | 0.1341 | 0.0388 | 0.118 | 0.0805 | 0.2483 CUMUL 2013 (octobre 2012 - mars 2013) | 0.1807192755938849 | 2.0710169685074935 | -0.1772153922095311 | 0.25017871594723384 | 0.12858924092115023 | 0.2202843148236537 | 0.19638131889312646 | 0.09771829088083839 | 0.09771829088083839 | 0.10578103243772884 | 0.7056458187924216 | 0.4086298221781895 | 0.20210279093818048 CUMUL 2012 (octobre 2011 - mars 2012) | 0.2097 | 2.6004 | 0.1681 | 0.2611 | 0.1491 | 0.2749 | 0.227 | 0.1284 | 0.1284 | 0.084 | 0.3167 | 0.2018 | 0.2219 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2013 (janvier - mars 2013) | 0.9676039301635727 | 0.9433458734530036 | 0.9559015760529685 | 0.9473514188172241 | 0.9115702548492304 | 0.9422253469513527 | 0.9391427584153668 | 0.7596464892263273 | 0.7596464892263273 | 0.932232329476876 | 0.9817876114095258 | 0.9651498379062228 | 0.933188130963662 TRIM 2 2012 (janvier - mars 2012) | 0.9446776731922042 | 0.9529794859434408 | 0.9516518493774437 | 0.9527066624920723 | 0.9033262760171464 | 0.9437635930394839 | 0.9328602940422543 | 0.7637092253870883 | 0.7637092253870883 | 0.9280874774374134 | 0.9624250336583575 | 0.9473804857362262 | 0.9259611913881202 CUMUL 2013 (octobre 2012 - mars 2013) | 0.9617065526335528 | 0.9511575049617146 | 0.9552388508386775 | 0.945658906530902 | 0.9094715828570182 | 0.9463297918368263 | 0.938019200481613 | 0.7700805033740993 | 0.7700805033740993 | 0.9292420000927973 | 0.9803887128183588 | 0.9634819684870298 | 0.9325177804530076 CUMUL 2012 (octobre 2011 - mars 2012) | 0.9411832520157619 | 0.9642056891933765 | 0.9523551566586794 | 0.9519714512423612 | 0.8934438697484729 | 0.9397571280463984 | 0.9281018230103819 | 0.7616369756435434 | 0.7616369756435434 | 0.9259309466035869 | 0.9640041990496887 | 0.9486030762481836 | 0.9219340158576776 Rendement moyen des prêts TRIM 2 2013 (janvier - mars 2013) | 0.07999425004266293 | 0.0817063614539548 | 0.13583858950907837 | 0.11677115656127929 | 0.06486253111096119 | 0.06302897599650215 | 0.0738353139507047 | 0.08415114397918644 | 0.08415114397918644 | 0.07911075310868682 | 0.11753140389539422 | 0.10192355496258053 | 0.07614715355205771 TRIM 2 2012 (janvier - mars 2012) | 0.1178 | 0.1105 | 0.1362 | 0.1265 | 0.0621 | 0.0725 | 0.0833 | 0.0873 | 0.0872 | 0.0849 | 0.0929 | 0.0892 | 0.084 CUMUL 2013 (octobre 2012 - mars 2013) | 0.08933577813079348 | 0.09296105833541538 | 0.13482293285030972 | 0.11954635448209698 | 0.06496596874967232 | 0.06268690166815823 | 0.07556049786839182 | 0.08342567943338478 | 0.08342567943338478 | 0.07412147478127216 | 0.11366468907854384 | 0.09708082796649056 | 0.07739870140019221 CUMUL 2012 (octobre 2011 - mars 2012) | 0.1166 | 0.1441 | 0.1435 | 0.1289 | 0.0637 | 0.0735 | 0.0852 | 0.0881 | 0.0881 | 0.0802 | 0.1041 | 0.0929 | 0.086 Rendement moyen des prêts productifs TRIM 2 2013 (janvier - mars 2013) | 0.08148994386406966 | 0.11708201277997164 | 0.13727172830284587 | 0.11765944306736592 | 0.06602396347111593 | 0.06318534711934182 | 0.07526366116007442 | 0.09378584621663291 | 0.09378584621663291 | 0.07911075310868682 | 0.1307914339402675 | 0.10845211087258652 | 0.07812142512046925 TRIM 2 2012 (janvier - mars 2012) | 0.1272 | 0.1647 | 0.1461 | 0.1276 | 0.0635 | 0.0728 | 0.0859 | 0.0947 | 0.0947 | 0.0849 | 0.1081 | 0.0965 | 0.0872 CUMUL 2013 (octobre 2012 - mars 2013) | 0.09112381297407074 | 0.13382115403003478 | 0.1372881152216157 | 0.12031789947194613 | 0.06613717278411314 | 0.06284132909672613 | 0.07703333848637792 | 0.09181998125686143 | 0.09181998125686143 | 0.07412147478127216 | 0.12772840450350692 | 0.10371100469468592 | 0.07940666187669121 CUMUL 2012 (octobre 2011 - mars 2012) | 0.1266 | 0.2331 | 0.1542 | 0.1298 | 0.0651 | 0.0738 | 0.0879 | 0.0941 | 0.0941 | 0.0802 | 0.1222 | 0.1008 | 0.0893 Rémunération moyenne des dépôts TRIM 2 2013 (janvier - mars 2013) | 0.0008033171074898783 | 0.0035197431002134166 | 0.0027490883760012404 | 0.003528244095843169 | 0.003355157405178489 | 0.001742731560745928 | 0.002086461961036904 | 0.018129234841213912 | 0.018129234841213912 | 0.0016971557527460822 | 0.0010944952210842343 | 0.0014248129806685489 | 0.0023779232137926963 TRIM 2 2012 (janvier - mars 2012) | 0.001 | 0.0029 | 0.0026 | 0.0033 | 0.003 | 0.0015 | 0.0019 | 0.015 | 0.015 | 0.0029 | 0.0018 | 0.0023 | 0.0023 CUMUL 2013 (octobre 2012 - mars 2013) | 0.0009400754425211823 | 0.0032614031791816083 | 0.0026722487400803927 | 0.0035755002932678125 | 0.003381184800383121 | 0.0015158038098996266 | 0.0020732283741638517 | 0.017223203008732167 | 0.017223203008732167 | 0.0016841971961153762 | 0.0011790674210310642 | 0.0014594169758920885 | 0.0023443884041998244 CUMUL 2012 (octobre 2011 - mars 2012) | 0.001 | 0.0027 | 0.0026 | 0.0032 | 0.0033 | 0.0015 | 0.0021 | 0.015 | 0.015 | 0.0027 | 0.002 | 0.0023 | 0.0024 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2013 (janvier - mars 2013) | 0.6378065026846498 | 0.6755597585907235 | 0.767566282814592 | 0.715894885469409 | 0.6802565878693533 | 0.5818393180426656 | 0.6468844681148346 | 0.5083273523629672 | 0.5083273523629672 | 0.8998143829422683 | 0.4829612455779186 | 0.6440628084782862 | 0.6435223534485189 TRIM 2 2012 (janvier - mars 2012) | 0.5697159570073238 | 0.7026034258192142 | 1.0549333261755107 | 0.7057279636107036 | 0.7247680217477483 | 0.5225121313161419 | 0.6302317787480056 | 0.5329602227703546 | 0.5329602227703546 | 0.6828640559742322 | 0.7125853389421419 | 0.6985486782345406 | 0.6325981397494539 CUMUL 2013 (octobre 2012 - mars 2013) | 0.6650702236273768 | 0.6940672640466446 | 0.8446362848246312 | 0.696055224577671 | 0.6821596140342214 | 0.5971763698886624 | 0.6586939299995481 | 0.5108075878296067 | 0.5108075878296067 | 0.8985716039782262 | 0.5481186389805998 | 0.6883009724632462 | 0.6572077655392679 CUMUL 2012 (octobre 2011 - mars 2012) | 0.636179061548693 | 0.6444567778773306 | 1.064503939681801 | 0.707602773777247 | 0.7015223526122503 | 0.5699549607005541 | 0.655158431136455 | 0.5079736129562084 | 0.5079736129562084 | 0.7668825799338479 | 0.6534774524942489 | 0.7046803538525891 | 0.6554621457997136 Productivité par employé ('000) TRIM 2 2013 (janvier - mars 2013) | 2525.214442953953 | 1157.402300631579 | 1823.1782993576821 | 1890.635494155154 | 2095.3006958561373 | 2855.3830153333333 | 2293.7390683405492 | 3749.9919361403513 | 3749.9919361403513 | 6548.883116883117 | 4350.695652173913 | 4999.203065134099 | 2405.8680128111455 TRIM 2 2012 (janvier - mars 2012) | 2335.02 | 1130.62 | 1232.24 | 1703.62 | 1908.31 | 3083.84 | 2202.06 | 3460.24 | 3460.24 | 6570.84 | 3536.83 | 4523.19 | 2296.25 CUMUL 2013 (octobre 2012 - mars 2013) | 2457.1195056596907 | 1177.571908631579 | 1598.975069644614 | 1883.8412017167382 | 2033.6879585815602 | 2726.319787525623 | 2212.8747980563458 | 3720.918225263158 | 3720.918225263158 | 6346.233766233766 | 4072.1111111111113 | 4753.463035019456 | 2319.942312023259 CUMUL 2012 (octobre 2011 - mars 2012) | 2197.87 | 1302.16 | 1168.58 | 1705.91 | 1912.95 | 2794.55 | 2102.56 | 3390.78 | 3390.78 | 6613.06 | 3869.88 | 4761.7 | 2209.6 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclédéc. 12] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2012 | 0.048037158316101426 | 0.006854940697147728 | -0.07065149359057636 | 0.0816485356308911 | 0.06625911796602478 | 0.08985651431830714 | 0.0657291458609728 | 0.09101192053942964 | 0.09101192053942964 | 0.04384407734382618 | 0.04786011714817335 | 0.045826856669490025 | 0.06517578781458852 Au 30 septembre 2012 | 0.05266973682367087 | 0.003301324723803739 | -0.06947920535743012 | 0.07925475325501843 | 0.06522507110110207 | 0.08140650062483315 | 0.06460620207663469 | 0.0974048932901363 | 0.0974048932901363 | 0.04178424047647657 | 0.04119409353538745 | 0.04150672074513288 | 0.06400962442413707 Dépôts en % de l'actif Au 31 décembre 2012 | 0.8863044188919323 | 0.830633120223944 | 0.9889528701313897 | 0.8388033101046743 | 0.7931624455786752 | 0.8299607159399323 | 0.839164407410128 | 0.7178169057865418 | 0.7178169057865418 | 0.8510906586885276 | 0.8137421302218518 | 0.8324 | 0.8355244502163782 Au 30 septembre 2012 | 0.8800767315120303 | 0.8721309935435586 | 0.9857765170848188 | 0.8395183368247991 | 0.8417447000359448 | 0.8693685846758717 | 0.8647728542368357 | 0.7589502147715492 | 0.7589502147715492 | 0.849473182052142 | 0.8420728426795384 | 0.8459931331837248 | 0.8609392156197279 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2012 | 0.019248612710434394 | 0.29970633008059633 | 0.011922800070309164 | 0.008335933530056789 | 0.015036098586348301 | 0.0026229212740889463 | 0.018265464358833833 | 0.0837939398134899 | 0.0837939398134899 | 0 | 0.11008505941921218 | 0.06713478497420815 | 0.02422548094147057 Au 30 septembre 2012 | 0.02250378175349875 | 0.30632818111126214 | 0.026702420605065683 | 0.006028196191044251 | 0.015073409300106743 | 0.0025836322998953882 | 0.018517675657580994 | 0.058063921735295086 | 0.058063921735295086 | 0 | 0.1274921352254244 | 0.07429590709477153 | 0.024200329348311928 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2012 | 1.2332342239185752 | 0.85993300929134 | 1.669852892967417 | 0.9131864606170793 | 1.0274730474911895 | 1.5729258845196217 | 1.024984607224321 | 0.27657805749119563 | 0.27657805749119563 | 0 | 0.6063020352923644 | 0.7166903640808961 | 0.86061794706118 Au 30 septembre 2012 | 1.312977127654505 | 0.8933478865384162 | 1.2885172502918723 | 1.1623702040652688 | 1.2322488431461607 | 1.2760734157295166 | 1.1056620010890224 | 0.587298451057056 | 0.587298451057056 | 0 | 0.5981338981873742 | 0.7111243836377527 | 0.9665773033806727 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2012 | -0.0160392991074018 | 3.7730284093366477 | 0.049815986698999164 | 0.004129325331573251 | -0.0022877462025324207 | -0.0055195559805852265 | -0.0021423097964193383 | 0.32809815588795016 | 0.32809815588795016 | -0.1128 | 0.37746917275230457 | 0.1402 | 0.01633245733185769 Au 30 septembre 2012 | -0.021023748538564913 | 5.651186513842888 | 0.04854095950685364 | -0.005420279070763416 | -0.019334169306543664 | -0.002824560966788583 | -0.00915304232626726 | 0.12347074373197214 | 0.12347074373197214 | -0.13966075214819776 | 0.5675764218910158 | 0.1904162861334853 | 0.003934274284168308 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2013 (octobre - décembre 2012) | 0.008477699213826576 | 0.011675733355021447 | 0.0006566331120229213 | 0.020245999896528467 | 0.00819798304602881 | 0.016351990998226436 | 0.011567091585792765 | 0.005505137590973465 | 0.005505137590973465 | 0.0061 | 0.028151251484530765 | 0.0168 | 0.011738347181273031 TRIM 1 2012 (octobre - décembre 2011) | 0.0074 | 0.0288 | -0.0104 | 0.0193 | 0.0101 | 0.0166 | 0.0118 | 0.0122 | 0.0122 | 0.0057 | 0.024 | 0.0146 | 0.012 CUMUL 2013 (octobre 2012 - décembre 2012) | 0.008477699213826576 | 0.011675733355021447 | 0.0006566331120229213 | 0.020245999896528467 | 0.00819798304602881 | 0.016351990998226436 | 0.011567091585792765 | 0.005505137590973465 | 0.005505137590973465 | 0.0061 | 0.028151251484530765 | 0.0168 | 0.011738347181273031 CUMUL 2012 (octobre 2011 - décembre 2011) | 0.0074 | 0.0288 | -0.0104 | 0.0193 | 0.0101 | 0.0166 | 0.0118 | 0.0122 | 0.0122 | 0.0057 | 0.024 | 0.0146 | 0.012 ROE (rendement de l'avoir des actionn.) TRIM 1 2013 (octobre - décembre 2012) | 0.16888469612499485 | 2.298264012938479 | -0.009372471756873117 | 0.25161442197400624 | 0.12467066426239372 | 0.1912004213362838 | 0.17746759583013233 | 0.05852975781286273 | 0.05852975781286273 | 0.1437 | 0.6301300654216107 | 0.3836 | 0.1816 TRIM 1 2012 (octobre - décembre 2011) | 0.1465 | 4.4685 | 0.187 | 0.2471 | 0.161 | 0.2037 | 0.1871 | 0.1194 | 0.1194 | 0.1302 | 0.4794 | 0.3123 | 0.19 CUMUL 2013 (octobre 2012 - décembre 2012) | 0.16888469612499485 | 2.298264012938479 | -0.009372471756873117 | 0.25161442197400624 | 0.12467066426239372 | 0.1912004213362838 | 0.17746759583013233 | 0.05852975781286273 | 0.05852975781286273 | 0.1437 | 0.6301300654216107 | 0.3836 | 0.1816 CUMUL 2012 (octobre 2011 - décembre 2011) | 0.1465 | 4.4685 | 0.187 | 0.2471 | 0.161 | 0.2037 | 0.1871 | 0.1194 | 0.1194 | 0.1302 | 0.4794 | 0.3123 | 0.19 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.9259271328944796 | 0.9789136778687753 | 0.9616940608319918 | 0.9318059463959628 TRIM 1 2012 (octobre - décembre 2011) | 0.9372280908495104 | 0.9725920809630264 | 0.9530456008012647 | 0.9511829734476702 | 0.8835597486998165 | 0.9357214514018947 | 0.9232387253225475 | 0.7595283479236479 | 0.7595283479236479 | 0.9236115018850937 | 0.9653036559572968 | 0.9497245468690861 | 0.9178576251768351 CUMUL 2013 (octobre 2012 - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.9259271328944796 | 0.9789136778687753 | 0.9616940608319918 | 0.9318059463959628 CUMUL 2012 (octobre 2011 - décembre 2011) | 0.9372280908495104 | 0.9725920809630264 | 0.9530456008012647 | 0.9511829734476702 | 0.8835597486998165 | 0.9357214514018947 | 0.9232387253225475 | 0.7595283479236479 | 0.7595283479236479 | 0.9236115018850937 | 0.9653036559572968 | 0.9497245468690861 | 0.9178576251768351 Rendement moyen des prêts TRIM 1 2013 (octobre - décembre 2012) | 0.09615419711214844 | 0.10387107138563387 | 0.13338294360036654 | 0.11779937346383504 | 0.06155493235046663 | 0.06489857953863983 | 0.07616998706576338 | 0.08202981371776887 | 0.08202981371776887 | 0.0781 | 0.10981350905715995 | 0.09700839297667474 | 0.07785838734352288 TRIM 1 2012 (octobre - décembre 2011) | 0.1169 | 0.182 | 0.1433 | 0.1308 | 0.0646 | 0.0734 | 0.0861 | 0.0889 | 0.0889 | 0.0791 | 0.1183 | 0.0999 | 0.0875 CUMUL 2013 (octobre 2012 - décembre 2012) | 0.09615419711214844 | 0.10387107138563387 | 0.13338294360036654 | 0.11779937346383504 | 0.06155493235046663 | 0.06489857953863983 | 0.07616998706576338 | 0.08202981371776887 | 0.08202981371776887 | 0.0781193783154153 | 0.10981350905715995 | 0.09700839297667474 | 0.07785838734352288 CUMUL 2012 (octobre 2011 - décembre 2011) | 0.1169 | 0.182 | 0.1433 | 0.1308 | 0.0646 | 0.0734 | 0.0861 | 0.0889 | 0.0889 | 0.0791 | 0.1183 | 0.0999 | 0.0875 Rendement moyen des prêts productifs TRIM 1 2013 (octobre - décembre 2012) | 0.09818629158230516 | 0.1490019074294321 | 0.13601600857267934 | 0.11865711882798578 | 0.06249574578290687 | 0.06506795155818815 | 0.07759682246801806 | 0.08833881239240683 | 0.08833881239240683 | 0.0781193783154153 | 0.12461750252149176 | 0.1043998521726738 | 0.07979037058194259 TRIM 1 2012 (octobre - décembre 2011) | 0.1283 | 0.2972 | 0.1539 | 0.1318 | 0.0656 | 0.0737 | 0.0887 | 0.0966 | 0.0966 | 0.0791 | 0.1395 | 0.1086 | 0.0908 CUMUL 2013 (octobre 2012 - décembre 2012) | 0.09818629158230516 | 0.1490019074294321 | 0.13601600857267934 | 0.11865711882798578 | 0.06249574578290687 | 0.06506795155818815 | 0.07759682246801806 | 0.08833881239240683 | 0.08833881239240683 | 0.0781193783154153 | 0.12461750252149176 | 0.1043998521726738 | 0.07979037058194259 CUMUL 2012 (octobre 2011 - décembre 2011) | 0.1283 | 0.2972 | 0.1539 | 0.1318 | 0.0656 | 0.0737 | 0.0887 | 0.0966 | 0.0966 | 0.0791 | 0.1395 | 0.1086 | 0.0908 Rémunération moyenne des dépôts TRIM 1 2013 (octobre - décembre 2012) | 0.0009432578186968777 | 0.0032598744433866363 | 0.0026992387682633046 | 0.003610085052968569 | 0.0033941879505445245 | 0.001394858575850369 | 0.0020200179160707998 | 0.014368403041449533 | 0.014368403041449533 | 0.0019224850720366278 | 0.0012545004854888876 | 0.0016049401272914532 | 0.0022738006409757845 TRIM 1 2012 (octobre - décembre 2011) | 0.0011 | 0.0025 | 0.0026 | 0.0032 | 0.0036 | 0.0016 | 0.0022 | 0.0155 | 0.0155 | 0.0028 | 0.0022 | 0.0025 | 0.0025 CUMUL 2013 (octobre 2012 - décembre 2012) | 0.0009432578186968777 | 0.0032598744433866363 | 0.0026992387682633046 | 0.003610085052968569 | 0.0033941879505445245 | 0.001394858575850369 | 0.0020200179160707998 | 0.014368403041449533 | 0.014368403041449533 | 0.0019224850720366278 | 0.0012545004854888876 | 0.0016049401272914532 | 0.0022738006409757845 CUMUL 2012 (octobre 2011 - décembre 2011) | 0.0011 | 0.0025 | 0.0026 | 0.0032 | 0.0036 | 0.0016 | 0.0022 | 0.0155 | 0.0155 | 0.0028 | 0.0022 | 0.0025 | 0.0025 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.8972 | 0.6265042859375564 | 0.739 | 0.6722 TRIM 1 2012 (octobre - décembre 2011) | 0.7209443824671359 | 0.6010685510238287 | 1.0739937255762366 | 0.7095138295945561 | 0.6775961399448189 | 0.6283548398666684 | 0.6832150817106882 | 0.48244305292864903 | 0.48244305292864903 | 0.8498349081724259 | 0.6037372330547818 | 0.7102270856789197 | 0.6807419158451549 CUMUL 2013 (octobre 2012 - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.8972 | 0.6265042859375564 | 0.739 | 0.6722 CUMUL 2012 (octobre 2011 - décembre 2011) | 0.7209443824671359 | 0.6010685510238287 | 1.0739937255762366 | 0.7095138295945561 | 0.6775961399448189 | 0.6283548398666684 | 0.6832150817106882 | 0.48244305292864903 | 0.48244305292864903 | 0.8498349081724259 | 0.6037372330547818 | 0.7102270856789197 | 0.6807419158451549 Productivité par employé ('000) TRIM 1 2013 (octobre - décembre 2012) | 2238.982809335727 | 1185.2650425000002 | 1402.8260560596227 | 1829.3474128827877 | 1957.1060322397477 | 2597.1234278776105 | 2100.091132650554 | 3691.8445143859644 | 3691.8445143859644 | 6224.42 | 3696.8444444444444 | 4447.22 | 2201.19 TRIM 1 2012 (octobre - décembre 2011) | 1924.42 | 1509.19 | 1168.33 | 1713.92 | 1907.91 | 2550.13 | 1999.05 | 3557.56 | 3557.56 | 6740.62 | 4202.93 | 5020.86 | 2121.69 CUMUL 2013 (octobre 2012 - décembre 2012) | 2238.982809335727 | 1185.2650425000002 | 1402.8260560596227 | 1829.3474128827877 | 1957.1060322397477 | 2597.1234278776105 | 2100.091132650554 | 3691.8445143859644 | 3691.8445143859644 | 6224.42 | 3696.8444444444444 | 4447.22 | 2201.19 CUMUL 2012 (octobre 2011 - décembre 2011) | 1924.42 | 1509.19 | 1168.33 | 1713.92 | 1907.91 | 2550.13 | 1999.05 | 3557.56 | 3557.56 | 6740.62 | 4202.93 | 5020.86 | 2121.69 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [bilsysbandéc. 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DÉCEMBRE 2014 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4685005.683 | 158344.90801 | 381812.966874299 | 379216 | 2519896.56648 | 1592760.338061552 | 9717036.462425852 | 30925.8946 | 30925.8946 | 90291 | 94300 | 184591 | 9932553.357025852 Avoirs à la BRH | 10240683.537 | 1474128.99155 | 1949652.441575278 | 3669089 | 13434681.62964 | 16594407.768534468 | 47362643.368299745 | 583519.22312 | 583519.22312 | 3209832 | 2414139 | 5623971 | 53570133.59141974 Avoirs à l'étranger | 459217.159 | 58764.29432 | 189898.524236649 | 699005 | 660482.48954 | 1379362.454804855 | 3446729.921901504 | 10976.94524 | 10976.94524 | -135142 | 1449049 | 1313907 | 4771613.867141504 Avoirs dans les banques locales | 0 | 0 | 176205.182735584 | 33668 | 28433.644849999997 | 342.3356544643333 | 238649.16324004836 | 1715543.71515 | 1715543.71515 | 0 | 0 | 0 | 1954192.8783900484 Autres liquidités | 193459.598 | 28204.022360000003 | 308.828 | 120729 | 53365.67302 | 514388.257747321 | 910455.3791273211 | 15550.34153 | 15550.34153 | 115398 | 34323 | 149721 | 1075726.7206573212 15578365.977 | 1719442.21624 | 2697877.9434218104 | 4901707 | 16696860.00353 | 20081261.15480266 | 61675514.294994466 | 2356516.11964 | 2356516.11964 | 3280379 | 3991811 | 7272190 | 71304220.41463447 Bons B.R.H. | 3810000 | 223000 | 180000 | 298391 | 1300000 | 0 | 5811391 | 0 | 0 | 796833 | 0 | 796833 | 6608224 Bons du Trésor / M.E.F. | 2875000 | 0 | 0 | 0 | 0 | 0 | 2875000 | 0 | 0 | 0 | 0 | 0 | 2875000 Autres Placements | 6804854.01974 | 66410.10613000003 | 134723.54717347602 | 714956 | 11372717.66967 | 12545779.202530257 | 31639440.545243733 | 55612.46503000001 | 55612.46503000001 | 0 | 0 | 0 | 31695053.010273732 Portefeuille net | 10524694.186369998 | 858993.53526 | 2291639.384839494 | 5637972 | 19215072.52599 | 24056419.86524 | 62584791.49769949 | 3345304.258156 | 3345304.258156 | 1798882 | 2063611 | 3862493 | 69792588.7558555 Immobilisations | 1371154.9584999997 | 305443.18224 | 280545.037 | 293320 | 2115040.9605199997 | 1437499.7739299997 | 5803003.91219 | 210745.71996 | 210745.71996 | 356354 | 65712 | 422066 | 6435815.63215 Autres actifs | 1923646.83646 | 25590.26461 | 48894.990172113896 | 469294 | 2406305.51709 | 930133.0478415019 | 5803864.656173617 | 145725.66902 | 145725.66902 | 127680 | 12548 | 140228 | 6089818.325193617 42887715.97807 | 3198879.30448 | 5633680.902606895 | 12315640 | 53105996.676800005 | 59051093.044344425 | 176193005.90630132 | 6113904.231806001 | 6113904.231806001 | 6360128 | 6133682 | 12493810 | 194800720.1381073 PASSIF Dépôts À vue | 20074139.496650003 | 1426485.50697 | 1619897.161720242 | 5535253 | 14786946.016360004 | 22792767.486483052 | 66235488.6681833 | 1083757.2214300002 | 1083757.2214300002 | 3912349 | 3211364 | 7123713 | 74442958.8896133 Épargne | 9826355.452610001 | 579932.58106 | 1841834.30118409 | 2676583 | 18578344.72994 | 20288168.454900607 | 53791218.5196947 | 508819.43869999994 | 508819.43869999994 | 294638 | 1689229 | 1983867 | 56283904.9583947 À terme | 3975505.82211 | 871487.5419600001 | 1237077.910191643 | 2207658 | 9479328.16206 | 6403840.141492126 | 24174897.577813767 | 2952640.3953400003 | 2952640.3953400003 | 381091 | 325603 | 706694 | 27834231.973153766 33876000.77137 | 2877905.6299900003 | 4698809.373095975 | 10419494 | 42844618.908360004 | 49484776.08287579 | 144201604.76569176 | 4545217.055470001 | 4545217.055470001 | 4588078 | 5226196 | 9814274 | 158561095.82116178 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 140243 | 0 | 140243 | 140243 Autres | 1603464.97673 | 180382.068251307 | 242476.060946212 | 334252 | 1500006.6468 | 2209055.4804472663 | 6069637.233174785 | 87823.308 | 87823.308 | 706720 | 229687 | 936407 | 7093867.541174785 1603464.97673 | 180382.068251307 | 242476.060946212 | 334252 | 1500006.6468 | 2209055.4804472663 | 6069637.233174785 | 87823.308 | 87823.308 | 1146963 | 229687 | 1376650 | 7534110.541174785 Obligations à terme Banques locales | 3000 | 7132.5 | 200000 | 0 | 0 | 0 | 210132.5 | 855000 | 855000 | 0 | 0 | 0 | 1065132.5 Banque à l'étranger | 0 | 0 | 0 | 0 | 2467523.49769 | 607720.1 | 3075243.59769 | 0 | 0 | 0 | 0 | 0 | 3075243.59769 Autres | 3357144.62518 | 4534.22936 | 1670.05275 | 60293 | 517789.0964200003 | 448356.151042962 | 4389787.154752962 | 63772.70146999997 | 63772.70146999997 | 125367 | 29171 | 154538 | 4608097.856222962 3360144.62518 | 11666.729360000001 | 201670.05275 | 60293 | 2985312.5941100004 | 1056076.251042962 | 7675163.2524429625 | 918772.70147 | 918772.70147 | 125367 | 29171 | 154538 | 8748473.953912962 Autres passifs | 856742.446 | 1162.39207 | 208053.94415511104 | 427259 | 1894965.9864400001 | 503987.09549473604 | 3892170.864159847 | 68401.41638999998 | 68401.41638999998 | 109545 | 375869 | 485414 | 4445986.280549847 39696352.81928 | 3071116.8196713077 | 5351009.430947298 | 11241298 | 49224904.13571 | 53253894.90986075 | 161838576.11546937 | 5620214.481330001 | 5620214.481330001 | 5969953 | 5860923 | 11830876 | 179289666.59679937 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 448651 | 270000 | 1200000 | 2092652 | 5676303 | 150000 | 150000 | 103837 | 94373 | 198210 | 6024513 Réserves | 327016.25258000003 | 87983 | 33754.82076 | 206958 | 1221203.99306 | 867190.37238 | 2744106.43878 | 166509.38644 | 166509.38644 | 70114 | 72418 | 142532 | 3053147.82522 Surplus d'apport | 0 | 14325 | 93847.20015 | 1384 | 98479.45517 | 0 | 208035.65532000002 | 0 | 0 | 0 | 0 | 0 | 208035.65532000002 BNR | 1364346.9051700002 | -139545.51523 | -293581.54925000004 | 596000 | 1361409.0928600004 | 2837355.75989 | 5725984.69344 | 177180.36401000002 | 177180.36401000002 | 216224 | 105968 | 322192 | 6225357.057449999 3191363.1577500002 | 127762.48477000001 | 282671.47166000004 | 1074342 | 3881092.5410900004 | 5797198.13227 | 14354429.78754 | 493689.75045000005 | 493689.75045000005 | 390175 | 272759 | 662934 | 15511053.53799 42887715.97703 | 3198879.3044413077 | 5633680.902607298 | 12315640 | 53105996.6768 | 59051093.04213075 | 176193005.90300933 | 6113904.231780001 | 6113904.231780001 | 6360128 | 6133682 | 12493810 | 194800720.1347894 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 67323.02318999999 | 306.859376 | 67629.88256599999 | 0 | 0 | 0 | 0 | 0 | 67629.88256599999 Crédit documentaire | 140243.1 | 0 | 0 | 0 | 653311.5319500001 | 740498.058384569 | 1534052.6903345692 | 0 | 0 | 94408.90849 | 98069 | 192477.90849 | 1726530.5988245693 Autres | 290995.48600000003 | 246480.986180593 | 150 | 144186 | 3428832.83033 | 1098798.0231189532 | 5209443.325629546 | 633300.959257 | 633300.959257 | 6014002.352270001 | 1308343 | 7322345.352270001 | 13165089.637156546 Portefeuille brut | 10813284.87502 | 1281422.89417 | 2322919.1499111876 | 5676483 | 19826802.61067 | 24187118.40039 | 64108030.930161186 | 3411437.504776 | 3411437.504776 | 1798983 | 2144425 | 3943408 | 71462876.43493718 Provisions pour créances douteuses | 288590.68865 | 422429.35891 | 31279.765071694 | 38511 | 611730.08468 | 130698.53515 | 1523239.4324616939 | 66133.24661999999 | 66133.24661999999 | 101 | 80814 | 80915 | 1670287.6790816938 Portefeuille de crédit improductif | 538835.47 | 540118.523077805 | 67538 | 74112 | 1303019 | 51853.02561 | 2575476.0186878047 | 326413.32256 | 326413.32256 | 25 | 141406 | 141431 | 3043320.3412478045 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 20081261.15480266 | BNC | 3810000 | UNIBK | 24056419.86524 | UNIBK | 5797198.13227 SOGEBK | 16696860.00353 | SOGEBK | 1300000 | SOGEBK | 19215072.52599 | SOGEBK | 3881092.5410900004 BNC | 15578365.977 | CBNA | 796833 | BNC | 10524694.186369998 | BNC | 3191363.1577500002 CAPITALBK | 4901707 | CAPITALBK | 298391 | CAPITALBK | 5637972 | CAPITALBK | 1074342 SCOTIA | 3991811 | BPH | 223000 | SOGEBL | 3345304.258156 | SOGEBL | 493689.75045000005 CBNA | 3280379 | BUH | 180000 | BUH | 2291639.384839494 | CBNA | 390175 BUH | 2697877.9434218104 | UNIBK | 0 | SCOTIA | 2063611 | BUH | 282671.47166000004 SOGEBL | 2356516.11964 | SCOTIA | 0 | CBNA | 1798882 | SCOTIA | 272759 BPH | 1719442.21624 | SOGEBL | 0 | BPH | 858993.53526 | BPH | 127762.48477000001 0 [bilsysbandéc, 14gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 31 DÉCEMBRE 2014 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 871745.254 | 99098.28855 | 281099.96181 | 211230 | 1491114.70621 | 1000295.35112 | 3954583.56169 | 23399.55511 | 23399.55511 | 61258 | 52091 | 113349 | 4091332.1168 Avoirs à la BRH | 6632313.688 | 220430.92857 | 674278.0373099999 | 1051380 | 3779002.0327600003 | 4842868.23924 | 17200272.92588 | 85584.5941 | 85584.5941 | 1926738 | 1185011 | 3111749 | 20397606.51998 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 97869.97209000001 | 32544 | 27361.04225 | 100.3546000001952 | 157875.3689400002 | 314670.5542 | 314670.5542 | 0 | 0 | 0 | 472545.9231400002 Autres liquidités | 158583.894 | 22576.61557 | 308.828 | 72082 | 2942.78504 | 354586.11968 | 611080.24229 | 11937.78258 | 11937.78258 | 102110 | 16310 | 118420 | 741438.02487 7662642.836 | 342105.83269 | 1053556.7992099999 | 1367236 | 5300420.566260001 | 6197850.06464 | 21923812.0988 | 435592.48599 | 435592.48599 | 2090106 | 1253412 | 3343518 | 25702922.58479 Bons B.R.H. | 3810000 | 223000 | 180000 | 298391 | 1300000 | 0 | 5811391 | 0 | 0 | 796833 | 0 | 796833 | 6608224 Bons du Trésor / M.E.F. | 2875000 | 0 | 0 | 0 | 0 | 0 | 2875000 | 0 | 0 | 0 | 0 | 0 | 2875000 Autres Placements | 1227083.932 | 39537.04774 | 103266.27749 | 295156 | 2848633.43832 | 9262846.365910001 | 13776523.061460001 | 50937.69503000001 | 50937.69503000001 | 0 | 0 | 0 | 13827460.756490001 Portefeuille net | 6956106.219369999 | 365601.90803 | 823794.97849 | 2596896 | 10263786.2367 | 7757420.65251 | 28763605.9951 | 1902796.8036399998 | 1902796.8036399998 | 428340 | 1636745 | 2065085 | 32731487.79874 Immobilisations | 1371154.9584999997 | 305443.18224 | 280545.037 | 293320 | 2115040.9605199997 | 1437499.7739299997 | 5803003.91219 | 210745.71996 | 210745.71996 | 356354 | 65712 | 422066 | 6435815.63215 Autres actifs | 1843041.753 | 21393.73199 | 365130.52045999997 | 300545 | 1559837.2792 | 748896.9572999999 | 4838845.24195 | 100013.78117 | 100013.78117 | 19744 | 18440 | 38184 | 4977043.02312 25745029.698869996 | 1297081.70269 | 2806293.6126499996 | 5151544 | 23387718.481 | 25404513.814290002 | 83792181.30950001 | 2700086.4857899994 | 2700086.4857899994 | 3691377 | 2974309 | 6665686 | 93157953.79529 PASSIF Dépôts À vue | 10138469.56065 | 410830.59531 | 808599.26805 | 2462050 | 6312346.546810001 | 9161104.151929999 | 29293400.12275 | 294610.80861 | 294610.80861 | 2331697 | 1398055 | 3729752 | 33317762.93136 Épargne | 6471855.20161 | 292957.63528 | 1009159.98202 | 1081458 | 8055943.170980001 | 7682638.86554 | 24594012.85543 | 207259.14602 | 207259.14602 | 12029 | 897063 | 909092 | 25710364.00145 À terme | 2909401.4798000003 | 278372.75481 | 383288.87552 | 252230 | 2959360.80413 | 1960710.78002 | 8743364.69428 | 710890.1654999999 | 710890.1654999999 | 151741 | 278204 | 429945 | 9884199.85978 19519726.242060002 | 982160.9854000001 | 2201048.1255900003 | 3795738 | 17327650.521920003 | 18804453.797489997 | 62630777.67246 | 1212760.12013 | 1212760.12013 | 2495467 | 2573322 | 5068789 | 68912326.79258999 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1309789.111 | 136618.15005 | 95235.97277 | 210295 | 881957.75724 | 962447.22031 | 3596343.2113699997 | 73492.73138 | 73492.73138 | 398709 | 94187 | 492896 | 4162731.9427499995 1309789.111 | 136618.15005 | 95235.97277 | 210295 | 881957.75724 | 962447.22031 | 3596343.2113699997 | 73492.73138 | 73492.73138 | 698709 | 94187 | 792896 | 4462731.942749999 Obligations à terme Banques locales | 3000 | 7132.5 | 200000 | 0 | 0 | 0 | 210132.5 | 855000 | 855000 | 0 | 0 | 0 | 1065132.5 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 863616.31918 | 864.53491 | 267.62175 | 60293 | 426382.22083 | 176263.35753 | 1527687.0542 | 63772.70146999997 | 63772.70146999997 | 104244 | 29171 | 133415 | 1724874.7556699999 866616.31918 | 7997.03491 | 200267.62175 | 60293 | 426382.22083 | 176263.35753 | 1737819.5542 | 918772.70147 | 918772.70147 | 104244 | 29171 | 133415 | 2790007.25567 Autres passifs | 856742.446 | 1162.39207 | 1379.1635099999999 | 167948 | 853258.2043 | 336173.65411999996 | 2216663.86 | 2639.92 | 2639.92 | 0 | 7941 | 7941 | 2227244.78 22552874.118240003 | 1127938.5624300002 | 2497930.88362 | 4234274 | 19489248.704290006 | 20279338.029449996 | 70181604.29802999 | 2207665.47298 | 2207665.47298 | 3298420 | 2704621 | 6003041 | 78392310.77101 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 448651 | 270000 | 1200000 | 2092652 | 5676303 | 150000 | 150000 | 103837 | 94373 | 198210 | 6024513 Réserves | 327016.25258000003 | 87983 | 33754.82076 | 206958 | 1221203.99306 | 867190.37238 | 2744106.43878 | 166509.38644 | 166509.38644 | 70114 | 72418 | 142532 | 3053147.82522 Surplus d'apport | 0 | 14325 | 93847.20015 | 1384 | 98479.45517 | 0 | 208035.65532000002 | 0 | 0 | 0 | 0 | 0 | 208035.65532000002 BNR | 1364346.9051700002 | -139545.51523 | -293581.54925000004 | 596000 | 1361409.0928600004 | 2837355.75989 | 5725984.69344 | 177180.36401000002 | 177180.36401000002 | 216224 | 105968 | 322192 | 6225357.057449999 3191363.1577500002 | 127762.48477000001 | 282671.47166000004 | 1074342 | 3881092.5410900004 | 5797198.13227 | 14354429.78754 | 493689.75045000005 | 493689.75045000005 | 390175 | 272759 | 662934 | 15511053.53799 25744237.27599 | 1255701.0472000001 | 2780602.35528 | 5308616 | 23370341.245380007 | 26076536.161719996 | 84536034.08557 | 2701355.2234300002 | 2701355.2234300002 | 3688595 | 2977380 | 6665975 | 93903364.309 [bilsysbandéc. 14$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 31 DÉCEMBRE 2014 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3813260.429 | 59246.61946 | 100713.005064299 | 167986 | 1028781.8602700001 | 592464.9869415521 | 5762452.900735851 | 7526.33949 | 7526.33949 | 29033 | 42209 | 71242 | 5841221.240225852 Avoirs à la BRH | 3608369.849 | 1253698.06298 | 1275374.404265278 | 2617709 | 9655679.59688 | 11751539.529294468 | 30162370.442419745 | 497934.62902 | 497934.62902 | 1283094 | 1229128 | 2512222 | 33172527.071439747 Avoirs à l'étranger | 459217.159 | 58764.29432 | 189898.524236649 | 699005 | 660482.48954 | 1379362.454804855 | 3446729.921901504 | 10976.94524 | 10976.94524 | -135142 | 1449049 | 1313907 | 4771613.867141504 Avoirs dans les banques locales | 0 | 0 | 78335.210645584 | 1124 | 1072.6026000000002 | 241.98105446413805 | 80773.79430004813 | 1400873.16095 | 1400873.16095 | 0 | 0 | 0 | 1481646.955250048 Autres liquidités | 34875.704 | 5627.40679 | 0 | 48647 | 50422.88798 | 159802.138067321 | 299375.136837321 | 3612.55895 | 3612.55895 | 13288 | 18013 | 31301 | 334288.69578732096 7915723.141 | 1377336.38355 | 1644321.14421181 | 3534471 | 11396439.43727 | 13883411.09016266 | 39751702.19619446 | 1920923.6336499997 | 1920923.6336499997 | 1190273 | 2738399 | 3928672 | 45601297.82984446 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 5577770.087739999 | 26873.05839 | 31457.269683476003 | 419800 | 8524084.231350001 | 3282932.8366202563 | 17862917.483783733 | 4674.77 | 4674.77 | 0 | 0 | 0 | 17867592.253783733 Portefeuille net | 3568587.9669999997 | 493391.62723 | 1467844.4063494934 | 3041076 | 8951286.28929 | 16298999.21273 | 33821185.50259949 | 1442507.4545159999 | 1442507.4545159999 | 1370542 | 426866 | 1797408 | 37061100.95711549 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 80605.08346 | 4196.53262 | -316235.53028788604 | 168749 | 846468.2378900001 | 181236.09054150202 | 965019.414223616 | 45711.88785 | 45711.88785 | 107936 | -5892 | 102044 | 1112775.302073616 17142686.2792 | 1901797.6017899998 | 2827387.289956894 | 7164096 | 29718278.195800003 | 33646579.23005442 | 92400824.5968013 | 3413817.746016 | 3413817.746016 | 2668751 | 3159373 | 5828124 | 101642766.34281729 PASSIF Dépôts À vue | 9935669.936 | 1015654.91166 | 811297.893670242 | 3073203 | 8474599.469550002 | 13631663.334553052 | 36942088.5454333 | 789146.4128200001 | 789146.4128200001 | 1580652 | 1813309 | 3393961 | 41125195.958253294 Épargne | 3354500.251 | 286974.94578 | 832674.3191640901 | 1595125 | 10522401.55896 | 12605529.589360606 | 29197205.664264698 | 301560.29267999995 | 301560.29267999995 | 282609 | 792166 | 1074775 | 30573540.956944697 À terme | 1066104.34231 | 593114.78715 | 853789.034671643 | 1955428 | 6519967.357929999 | 4443129.361472125 | 15431532.883533768 | 2241750.22984 | 2241750.22984 | 229350 | 47399 | 276749 | 17950032.113373768 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 140243 | 0 | 140243 | 140243 Autres | 293675.86573 | 43763.918201307 | 147240.08817621198 | 123957 | 618048.88956 | 1246608.260137266 | 2473294.0218047854 | 14330.57662 | 14330.57662 | 308011 | 135500 | 443511 | 2931135.5984247853 293675.86573 | 43763.918201307 | 147240.08817621198 | 123957 | 618048.88956 | 1246608.260137266 | 2473294.0218047854 | 14330.57662 | 14330.57662 | 448254 | 135500 | 583754 | 3071378.5984247853 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 2467523.49769 | 607720.1 | 3075243.59769 | 0 | 0 | 0 | 0 | 0 | 3075243.59769 Autres | 2493528.306 | 3669.69445 | 1402.431 | 0 | 91406.87559000001 | 272092.793512962 | 2862100.100552961 | 0 | 0 | 21123 | 0 | 21123 | 2883223.100552961 2493528.306 | 3669.69445 | 1402.431 | 0 | 2558930.37328 | 879812.8935129619 | 5937343.698242961 | 0 | 0 | 21123 | 0 | 21123 | 5958466.698242961 Autres passifs | 0 | 0 | 206674.78064511105 | 259311 | 1041707.78214 | 167813.44137473602 | 1675507.0041598473 | 65761.49638999999 | 65761.49638999999 | 109545 | 367928 | 477473 | 2218741.5005498473 17143478.70104 | 1943178.257241307 | 2853078.5473272977 | 7007024 | 29735655.431420002 | 32974556.88041075 | 91656971.81743936 | 3412549.0083500003 | 3412549.0083500003 | 2671533 | 3156302 | 5827835 | 100897355.82578938 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 17143478.70104 | 1943178.257241307 | 2853078.5473272977 | 7007024 | 29735655.431420002 | 32974556.88041075 | 91656971.81743936 | 3412549.0083500003 | 3412549.0083500003 | 2671533 | 3156302 | 5827835 | 100897355.82578938 Actif devises en % actif total | 0.3997108703099428 | 0.5945199617649063 | 0.5018721043729271 | 0.5817071625997512 | 0.5596030590794427 | 0.5697875770866344 | 0.5244295828969492 | 0.5583695158744062 | 0.5583695158744062 | 0.41960649219638346 | 0.5150858815308651 | 0.46648092135225366 | 0.5217781857826599 Dépôts devises en % dépôts totaux | 0.4237889420950503 | 0.6587236999138805 | 0.531573224018713 | 0.6357080295837783 | 0.5955699697322091 | 0.619995172535553 | 0.5656721173510753 | 0.7331788327533251 | 0.7331788327533251 | 0.45609752057397457 | 0.5076108894499939 | 0.4835288886371014 | 0.565389439094726 [bilsysbansept. 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2014 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4498486.575 | 67921.31695 | 359366.722161784 | 262016 | 2000036.36121 | 614391.032539356 | 7802218.007861139 | 39733.33163 | 39733.33163 | 71110 | 84224 | 155334 | 7997285.339491139 Avoirs à la BRH | 11369006.581999999 | 965698.53037 | 1593311.2488331432 | 3747700 | 13181626.2757 | 18117744.966445513 | 48975087.60334866 | 517756.43091 | 517756.43091 | 3543883 | 2114692 | 5658575 | 55151419.034258656 Avoirs à l'étranger | 1227438.745 | 626036.59661 | 178291.539119673 | 541052 | 635408.43327 | 1199310.403287437 | 4407537.71728711 | 6869.19547 | 6869.19547 | 1399943 | 1444586 | 2844529 | 7258935.91275711 Avoirs dans les banques locales | 0 | 0 | 128014.021989259 | 16413 | 19547.34091 | 15.342804305166123 | 163989.70570356416 | 1507063.26143 | 1507063.26143 | 0 | 0 | 0 | 1671052.9671335642 Autres liquidités | 146018.71199999997 | 67240.54963 | 1401.1219934389999 | 141939 | 109906.84101999999 | 594105.9471851699 | 1060612.171828609 | 33892.611860000005 | 33892.611860000005 | 99625 | 51527 | 151152 | 1245656.783688609 17240950.614 | 1726896.99356 | 2260384.654097298 | 4709120 | 15946525.252109999 | 20525567.69226178 | 62409445.20602907 | 2105314.8313 | 2105314.8313 | 5114561 | 3695029 | 8809590 | 73324350.03732908 Bons B.R.H. | 2334000 | 100000 | 0 | 74992 | 1950000 | 0 | 4458992 | 0 | 0 | 49563 | 0 | 49563 | 4508555 Bons du Trésor / M.E.F. | 3875000 | 0 | 0 | 0 | 0 | 0 | 3875000 | 0 | 0 | 0 | 0 | 0 | 3875000 Autres Placements | 6714311.140940001 | 67806.92825 | 139331.343127412 | 1081518 | 10954575.97844 | 13846183.679170178 | 32803727.069927588 | 56237.52557 | 56237.52557 | 0 | 0 | 0 | 32859964.59549759 Portefeuille net | 11264487.9945 | 958681.8458700001 | 2277488.01000379 | 5416947 | 19001042.77665 | 22477640.604379997 | 61396288.23140378 | 3180507.155047 | 3180507.155047 | 1447270 | 2154182 | 3601452 | 68178247.38645078 Immobilisations | 1342683.3114999998 | 184690.54838 | 254813.4312200001 | 297986 | 2153614.53765 | 1429239.08783 | 5663026.916579999 | 179157.18401 | 179157.18401 | 360539 | 47824 | 408363 | 6250547.100589999 Autres actifs | 1906335.559 | 26752.950630000003 | 52946.76710143501 | 401925 | 2047625.0796800002 | 798731.670732507 | 5234317.027143942 | 144460.95812 | 144460.95812 | 117962 | 8291 | 126253 | 5505030.985263942 44677768.61994 | 3064829.2666900004 | 4984964.205549934 | 11982488 | 52053383.62453 | 59077362.73437446 | 175840796.4510844 | 5665677.654047 | 5665677.654047 | 7089895 | 5905326 | 12995221 | 194501695.1051314 PASSIF Dépôts À vue | 22151320.728819996 | 1349236.20499 | 1369420.8002174557 | 5375280 | 13783045.50812 | 22840458.23257373 | 66868761.47472118 | 1096034.0123 | 1096034.0123 | 4815765 | 3067361 | 7883126 | 75847921.48702118 Épargne | 9774711.94249 | 538863.71576 | 1710134.427829872 | 2579050 | 18532338.469219998 | 19790756.37503003 | 52925854.930329904 | 511316.68788 | 511316.68788 | 291515 | 1522098 | 1813613 | 55250784.618209906 À terme | 4035560.5621100003 | 867767.10057 | 1003470.5567614848 | 2191768 | 9142658.78855319 | 5855784.990661667 | 23097009.99865634 | 2487107.38777 | 2487107.38777 | 430990 | 435309 | 866299 | 26450416.38642634 35961593.23342 | 2755867.0213200003 | 4083025.7848088127 | 10146098 | 41458042.76589319 | 48486999.598265424 | 142891626.4037074 | 4094458.08795 | 4094458.08795 | 5538270 | 5024768 | 10563038 | 157549122.4916574 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1476534.3979999998 | 162367.242851058 | 222978.337094883 | 313866 | 1670570.43084 | 2202766.578748968 | 6049082.987534909 | 110293.88291 | 110293.88291 | 663613 | 219650 | 883263 | 7042639.870444909 1476534.3979999998 | 162367.242851058 | 222978.337094883 | 313866 | 1670570.43084 | 2202766.578748968 | 6049082.987534909 | 110293.88291 | 110293.88291 | 963613 | 219650 | 1183263 | 7342639.870444909 Obligations à terme Banques locales | 3000 | 9510 | 200000 | 0 | 0 | 600000 | 812510 | 855000 | 855000 | 0 | 0 | 0 | 1667510 Banque à l'étranger | 0 | 0 | 0 | 0 | 2785806.59913 | 1457846.4 | 4243652.999129999 | 0 | 0 | 0 | 0 | 0 | 4243652.999129999 Autres | 3322967.8364500003 | 7297.91011 | 7049.500059999999 | 88007 | 571012.7437300002 | 372529.524392251 | 4368864.5147422515 | 62887.52165999997 | 62887.52165999997 | 115374 | 32145 | 147519 | 4579271.036402252 3325967.8364500003 | 16807.91011 | 207049.50006 | 88007 | 3356819.34286 | 2430375.924392251 | 9425027.51387225 | 917887.52166 | 917887.52166 | 115374 | 32145 | 147519 | 10490434.035532251 Autres passifs | 876997.354 | 486.15384 | 202639.537648242 | 425327 | 1800511.0100599998 | 501530.57568533707 | 3807491.631233579 | 76862.38411999997 | 76862.38411999997 | 103130 | 381529 | 484659 | 4369013.015353579 41641092.82187001 | 2935528.328121058 | 4715693.1596119385 | 10973298 | 48285943.54965319 | 53621672.677091986 | 162173228.53634816 | 5199501.876639999 | 5199501.876639999 | 6720387 | 5658092 | 12378479 | 179751209.41298816 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 448651 | 270000 | 1200000 | 2092704 | 5676355 | 150000 | 150000 | 103837 | 94373 | 198210 | 6024565 Réserves | 352614.36806 | 87983 | 34306.2 | 204148 | 1048734.60412 | 867190.37238 | 2594976.54456 | 155712.09144 | 155712.09144 | 70114 | 73658 | 143772 | 2894460.636 Surplus d'apport | 0 | 14325 | 93847.2 | 1384 | 98479.45517 | 0 | 208035.65516999998 | 0 | 0 | 0 | 0 | 0 | 208035.65516999998 BNR | 1184061.4283699999 | -138007.06144 | -307533.4 | 533658 | 1420226.01559 | 2495795.68467 | 5188200.66719 | 160463.68587 | 160463.68587 | 195557 | 79203 | 274760 | 5623424.353060001 3036675.79643 | 129300.93856000001 | 269271 | 1009190 | 3767440.07488 | 5455690.05705 | 13667567.866920002 | 466175.77731 | 466175.77731 | 369508 | 247234 | 616742 | 14750485.64423 44677768.618300006 | 3064829.2666810583 | 4984964.1596119385 | 11982488 | 52053383.62453319 | 59077362.73414198 | 175840796.40326816 | 5665677.653949999 | 5665677.653949999 | 7089895 | 5905326 | 12995221 | 194501695.05721816 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 94679.35500999998 | 743.6336419139999 | 95422.98865191398 | 0 | 0 | 0 | 0 | 0 | 95422.98865191398 Crédit documentaire | 136673.1 | 0 | 0 | 0 | 714772.20242 | 733540.5325755869 | 1584985.834995587 | 0 | 0 | 68176 | 81071 | 149247 | 1734232.834995587 Autres | 294443.174 | 219300.77508037502 | 2427.885 | 160556 | 3240235.8544799997 | 559775.16554172 | 4476738.854102095 | 609384.051119 | 609384.051119 | 5921460 | 1475592 | 7397052 | 12483174.905221093 Portefeuille brut | 11521904.2865 | 1369610.7905000001 | 2301326.761548287 | 5447996 | 19519215.03672 | 22587458.600659996 | 62747511.475928284 | 3248793.208827 | 3248793.208827 | 1447380 | 2239595 | 3686975 | 69683279.68475528 Provisions pour créances douteuses | 257416.29200000002 | 410928.94463 | 23838.751544496998 | 31049 | 518172.26006999996 | 109817.99628 | 1351223.244524497 | 68286.05378 | 68286.05378 | 109 | 85413 | 85522 | 1505031.298304497 Portefeuille de crédit improductif | 520366.733 | 512899.0795631749 | 49958 | 31942 | 504231 | 15971.1625 | 1635367.975063175 | 303585.96731 | 303585.96731 | 511 | 148481 | 148992 | 2087945.942373175 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 0 | BNC | 0 | UNIBK | 0 | UNIBK | 0 BNC | 0 | SOGEBK | 0 | SOGEBK | 0 | SOGEBK | 0 SOGEBK | 0 | BPH | 0 | BNC | 0 | BNC | 0 CBNA | 0 | CAPITALBK | 0 | CAPITALBK | 0 | CAPITALBK | 0 CAPITALBK | 0 | CBNA | 0 | SOGEBL | 0 | SOGEBL | 0 SCOTIA | 0 | UNIBK | 0 | BUH | 0 | CBNA | 0 BUH | 0 | BUH | 0 | SCOTIA | 0 | BUH | 0 SOGEBL | 0 | SCOTIA | 0 | CBNA | 0 | SCOTIA | 0 BPH | 0 | SOGEBL | 0 | BPH | 0 | BPH | 0 0 [bilsysbanjuin 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2014 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3694455.0939999996 | 117274.16959 | 363803.52928936103 | 291287 | 2077918.5699 | 1284806.61417637 | 7829544.9769557305 | 25920.58513 | 25920.58513 | 53926 | 78529 | 132455 | 7987920.56208573 Avoirs à la BRH | 11844207.18 | 1045813.69454 | 1487388.875208423 | 3351094 | 13654878.002419999 | 15494450.315847758 | 46877832.06801619 | 398398.61962 | 398398.61962 | 3267147 | 1731123 | 4998270 | 52274500.68763619 Avoirs à l'étranger | 609203.014 | 639957.19615 | 91163.09068927201 | 507711 | 910426.2771699999 | 1796932.23483593 | 4555392.812845202 | 9135.98034 | 9135.98034 | 799018 | 1579024 | 2378042 | 6942570.793185202 Avoirs dans les banques locales | 0 | 0 | 214751.314064366 | 25037 | 16512.26496 | -6525.039386441172 | 249775.5396379248 | 1373323.37224 | 1373323.37224 | 0 | 0 | 0 | 1623098.9118779248 Autres liquidités | 196325.292 | 50651.19503 | 43 | 194958 | 56637.55216000001 | 484368.705087398 | 982983.744277398 | 16985.95445 | 16985.95445 | 180207 | 65982 | 246189 | 1246158.698727398 16344190.58 | 1853696.2553100002 | 2157149.809251422 | 4370087 | 16716372.66661 | 19054032.830561016 | 60495529.14173243 | 1823764.51178 | 1823764.51178 | 4300298 | 3454658 | 7754956 | 70074249.65351245 Bons B.R.H. | 1780000 | 140000 | 0 | 99983 | 0 | 0 | 2019983 | 0 | 0 | 149868 | 0 | 149868 | 2169851 Bons du Trésor / M.E.F. | 3875000 | 0 | 0 | 0 | 0 | 0 | 3875000 | 0 | 0 | 0 | 0 | 0 | 3875000 Autres Placements | 8004608.381999999 | 26055.215549999994 | 26053.551139077998 | 608274 | 9841322.419750001 | 13088400.699125193 | 31594714.26756427 | 38620.0438 | 38620.0438 | 0 | 0 | 0 | 31633334.31136427 Portefeuille net | 9759249.646000002 | 1023370.03615 | 2151265.42432484 | 5435630 | 18993640.523879997 | 20208336.26964 | 57571491.899994835 | 3027356.7975299996 | 3027356.7975299996 | 1336264 | 2257085 | 3593349 | 64192197.69752484 Immobilisations | 1268450.8505099998 | 184601.30238 | 259226.10249785712 | 304825 | 2106396.46337 | 1397684.9893 | 5521184.708057856 | 210507.49063000001 | 210507.49063000001 | 374451 | 61015 | 435466 | 6167158.198687856 Autres actifs | 1740211.6069999998 | 41184.2668 | 33456.60019582307 | 368404 | 1970952.05715 | 840945.8767918099 | 4995154.407937633 | 127413.56896 | 127413.56896 | 178937 | 9310 | 188247 | 5310814.976897633 42771711.06551 | 3268907.07619 | 4627151.48740902 | 11187203 | 49628684.13076 | 54589400.66541802 | 166073057.42528704 | 5227662.412699999 | 5227662.412699999 | 6339818 | 5782068 | 12121886 | 183422605.83798704 PASSIF Dépôts À vue | 20719291.41667 | 1473379.39411 | 1380499.301437055 | 4852174 | 13866583.166990003 | 20402262.75477294 | 62694190.03398 | 1015360.1724 | 1015360.1724 | 4121288 | 2879444 | 7000732 | 70710282.20638 Épargne | 9395548.10988 | 534212.7742999999 | 1759217.529298197 | 2565397 | 18377826.167109996 | 20018188.29844781 | 52650389.879036 | 513004.6727 | 513004.6727 | 297001 | 1532157 | 1829158 | 54992552.551736005 À terme | 4114916.9341200003 | 844472.41565 | 796553.923575858 | 2160035 | 8731535.164254406 | 5453477.73094815 | 22100991.168548413 | 2125352.82536 | 2125352.82536 | 527516 | 446283 | 973799 | 25200142.993908413 34229756.46067 | 2852064.58406 | 3936270.7543111104 | 9577606 | 40975944.498354405 | 45873928.7841689 | 137445571.0815644 | 3653717.67046 | 3653717.67046 | 4945805 | 4857884 | 9803689 | 150902977.7520244 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1635940.1183000002 | 205513.96338583302 | 165209.376156157 | 271512 | 1369648.8767999997 | 1828616.903074083 | 5476441.237716073 | 128953.69645999999 | 128953.69645999999 | 531783 | 159961 | 691744 | 6297138.934176073 1635940.1183000002 | 205513.96338583302 | 165209.376156157 | 271512 | 1369648.8767999997 | 1828616.903074083 | 5476441.237716073 | 128953.69645999999 | 128953.69645999999 | 831783 | 159961 | 991744 | 6597138.934176073 Obligations à terme Banques locales | 3000 | 71887.5 | 0 | 0 | 0 | 1000000 | 1074887.5 | 855000 | 855000 | 0 | 25000 | 25000 | 1954887.5 Banque à l'étranger | 0 | 0 | 0 | 0 | 1224978.16494 | 0 | 1224978.16494 | 0 | 0 | 0 | 0 | 0 | 1224978.16494 Autres | 3157793.90427 | 11837.16367 | 8330.93821 | 62284 | 604479.6790800001 | 303070.938089792 | 4147796.623319792 | 56709.199649999966 | 56709.199649999966 | 121577 | 34457 | 156034 | 4360539.822969792 3160793.90427 | 83724.66367 | 8330.93821 | 62284 | 1829457.8440200002 | 1303070.938089792 | 6447662.288259792 | 911709.19965 | 911709.19965 | 121577 | 59457 | 181034 | 7540405.487909792 Autres passifs | 822418.399 | 563.93847 | 260046.58666855807 | 328168 | 1829746.34997 | 524582.415445816 | 3765525.6895543737 | 81788.29914 | 81788.29914 | 74473 | 454622 | 529095 | 4376408.9886943735 39848908.88224 | 3141867.149585833 | 4369857.6553458255 | 10239570 | 46004797.569144405 | 49530199.0407786 | 153135200.29709467 | 4776168.86571 | 4776168.86571 | 5973638 | 5531924 | 11505562 | 169416931.16280466 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 448651 | 270000 | 1200000 | 2092924 | 5676575 | 150000 | 150000 | 103837 | 94373 | 198210 | 6024785 Réserves | 335102.405 | 87983 | 32443.10495 | 199457 | 1047665.65824 | 837713.9723799999 | 2540365.14057 | 172221.88741999998 | 172221.88741999998 | 75263 | 75125 | 150388 | 2862975.02799 Surplus d'apport | 0 | 14325 | 93847.20015 | 1384 | 98479.45517 | 0 | 208035.65532000002 | 0 | 0 | 0 | 0 | 0 | 208035.65532000002 BNR | 1087699.77552 | -140268.07343 | -317647.47304 | 476792 | 1277741.44821 | 2128563.65149 | 4512881.32875 | 129271.65957000002 | 129271.65957000002 | 187080 | 80646 | 267726 | 4909878.9883200005 2922802.18052 | 127039.92657000001 | 257293.83206 | 947633 | 3623886.56162 | 5059201.62387 | 12937857.12464 | 451493.54699 | 451493.54699 | 366180 | 250144 | 616324 | 14005674.67163 42771711.062759995 | 3268907.076155833 | 4627151.487405825 | 11187203 | 49628684.1307644 | 54589400.6646486 | 166073057.42173463 | 5227662.412699999 | 5227662.412699999 | 6339818 | 5782068 | 12121886 | 183422605.83443466 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 150739.52795 | 63.257916800000004 | 150802.7858668 | 0 | 0 | 0 | 0 | 0 | 150802.7858668 Crédit documentaire | 136019.7 | 0 | 0 | 0 | 814619.56588 | 593092.271090508 | 1543731.536970508 | 0 | 0 | 40884 | 4000 | 44884 | 1588615.536970508 Autres | 340623.506 | 262570.289380182 | 2832.5351834999997 | 129924 | 2719777.6284 | 552525.240718842 | 4008253.199682524 | 724949.7651569999 | 724949.7651569999 | 5150020.1916499995 | 1005887 | 6155907.1916499995 | 10889110.156489523 Portefeuille brut | 9972602.8 | 1436849.94584 | 2176833.110679011 | 5470281 | 19484292.98388 | 20356481.0957 | 58897340.93609901 | 3091280.04816 | 3091280.04816 | 1338435 | 2356820 | 3695255 | 65683875.98425901 Provisions pour créances douteuses | 213353.154 | 413479.90969 | 25567.686354171 | 34651 | 490652.4600000001 | 148144.82606 | 1325849.036104171 | 63923.250629999995 | 63923.250629999995 | 2169 | 99735 | 101904 | 1491676.286734171 Portefeuille de crédit improductif | 298107.289 | 468599.674614675 | 31810 | 43549 | 765820 | 67562.36061999999 | 1675448.324234675 | 321759.17264999996 | 321759.17264999996 | 0 | 154213 | 154213 | 2151420.4968846748 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 0 | BNC | 0 | UNIBK | 0 | UNIBK | 0 SOGEBK | 0 | CBNA | 0 | SOGEBK | 0 | SOGEBK | 0 BNC | 0 | BPH | 0 | BNC | 0 | BNC | 0 CAPITALBK | 0 | CAPITALBK | 0 | CAPITALBK | 0 | CAPITALBK | 0 CBNA | 0 | UNIBK | 0 | SOGEBL | 0 | SOGEBL | 0 SCOTIA | 0 | SOGEBK | 0 | SCOTIA | 0 | CBNA | 0 BUH | 0 | BUH | 0 | BUH | 0 | BUH | 0 BPH | 0 | SCOTIA | 0 | CBNA | 0 | SCOTIA | 0 SOGEBL | 0 | SOGEBL | 0 | BPH | 0 | BPH | 0 0 [bilsysbanmars 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2014 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3090851.562 | 100078.32782 | 343340.4444555 | 269057 | 1795694.3572099998 | 858430.343256044 | 6457452.034741544 | 29049.28482 | 29049.28482 | 50959 | 83022 | 133981 | 6620482.319561544 Avoirs à la BRH | 11608572.41 | 862617.86598 | 1519150.903147764 | 3832497 | 12725408.499199998 | 16320241.049140077 | 46868487.727467835 | 409823.73474 | 409823.73474 | 2864076 | 2009432 | 4873508 | 52151819.46220783 Avoirs à l'étranger | 1500694.002 | 531489.45734 | 92070.42097992201 | 695892 | 963659.3178399999 | 2853041.5796755482 | 6636846.77783547 | 7029.10531 | 7029.10531 | 300056 | 1291790 | 1591846 | 8235721.883145469 Avoirs dans les banques locales | 0 | 0 | 266889.75453356 | 9177 | 13494.59195 | 7547.705893941666 | 297109.0523775017 | 1112852.2591300001 | 1112852.2591300001 | 0 | 0 | 0 | 1409961.3115075019 Autres liquidités | 180568.15000000002 | 104774.77907 | 0 | 174679 | 511966.92222 | 668130.0789053281 | 1640118.930195328 | 28763.738230000003 | 28763.738230000003 | 178029 | 91250 | 269279 | 1938161.668425328 16380686.124 | 1598960.43021 | 2221451.523116746 | 4981302 | 16010223.688419996 | 20707390.75687094 | 61900014.522617675 | 1587518.12223 | 1587518.12223 | 3393120 | 3475494 | 6868614 | 70356146.64484766 Bons B.R.H. | 3250000 | 150000 | 150000 | 79847 | 450000 | 700000 | 4779847 | 0 | 0 | 0 | 0 | 0 | 4779847 Bons du Trésor / M.E.F. | 3875000 | 0 | 0 | 0 | 0 | 0 | 3875000 | 0 | 0 | 0 | 0 | 0 | 3875000 Autres Placements | 5845104.328000002 | 25691.050870000006 | 25674.120871363994 | 462302 | 9440827.818090001 | 11468739.403706055 | 27268338.721537422 | 38556.673800000004 | 38556.673800000004 | 0 | 0 | 0 | 27306895.39533742 Portefeuille net | 9726509.522130001 | 1043579.25826 | 1778772.2240426783 | 4943103 | 19053089.78341 | 20821894.012140002 | 57366947.79998268 | 2902319.843309 | 2902319.843309 | 1503987 | 2250111 | 3754098 | 64023365.64329168 Immobilisations | 1211678.2188099998 | 184903.79617000002 | 254603.83403 | 308698 | 1721631.14615 | 1349889.5940700003 | 5031404.58923 | 187120.45464 | 187120.45464 | 380100 | 60924 | 441024 | 5659549.04387 Autres actifs | 1717851.0939999998 | 44735.97569 | 39164.967195630714 | 350971 | 1904328.2820499998 | 773949.643695592 | 4831000.962631222 | 100288.44833999999 | 100288.44833999999 | 144955 | 7519 | 152474 | 5083763.4109712215 42006829.28694 | 3047870.5112 | 4469666.669256419 | 11126223 | 48580100.71812 | 55821863.41048259 | 165052553.595999 | 4815803.542319 | 4815803.542319 | 5422162 | 5794048 | 11216210 | 181084567.13831797 PASSIF Dépôts À vue | 20406154.043 | 1215031.07455 | 1354538.490625696 | 4896423 | 14011460.76247 | 23050550.94472214 | 64934158.31536783 | 980157.2308199999 | 980157.2308199999 | 3507780 | 2893807 | 6401587 | 72315902.54618783 Épargne | 9186599.85 | 592921.1624 | 1800207.4907743898 | 2557143 | 18327461.089569997 | 20130969.543959085 | 52595302.13670348 | 514255.85814 | 514255.85814 | 298497 | 1513933 | 1812430 | 54921987.994843476 À terme | 4115368.8884200007 | 837724.54274 | 669579.040076502 | 2161763 | 7626659.4401821885 | 5254469.327336318 | 20665564.23875501 | 1844659.43097 | 1844659.43097 | 540744 | 470039 | 1010783 | 23521006.66972501 33708122.78142 | 2645676.77969 | 3824325.0214765877 | 9615329 | 39965581.29222219 | 48435989.816017546 | 138195024.69082633 | 3339072.51993 | 3339072.51993 | 4347021 | 4877779 | 9224800 | 150758897.2107563 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1668372.274 | 242285.43352869397 | 173558.35571431404 | 288601 | 1554322.14311 | 1147061.0887255399 | 5074200.295078548 | 100044.96908999998 | 100044.96908999998 | 665678 | 141249 | 806927 | 5981172.2641685475 1668372.274 | 242285.43352869397 | 173558.35571431404 | 288601 | 1554322.14311 | 1147061.0887255399 | 5074200.295078548 | 100044.96908999998 | 100044.96908999998 | 665678 | 141249 | 806927 | 5981172.2641685475 Obligations à terme Banques locales | 3000 | 15057.5 | 0 | 0 | 0 | 0 | 18057.5 | 855000 | 855000 | 0 | 0 | 0 | 873057.5 Banque à l'étranger | 0 | 0 | 0 | 0 | 1205250.51724 | 0 | 1205250.51724 | 0 | 0 | 0 | 0 | 0 | 1205250.51724 Autres | 3065713.327 | 9779.65805 | 4849.47366 | 40032 | 599477.59549 | 272598.58308463404 | 3992450.637284634 | 28895.79110000003 | 28895.79110000003 | 62945 | 31249 | 94194 | 4115540.428384634 3068713.327 | 24837.15805 | 4849.47366 | 40032 | 1804728.11273 | 272598.58308463404 | 5215758.654524634 | 883895.7911 | 883895.7911 | 62945 | 31249 | 94194 | 6193848.445624635 Autres passifs | 827555.451 | 398.74287 | 209542.80638631398 | 298651 | 1753707.9866999998 | 506845.00908557605 | 3596700.99604189 | 54310.745720000006 | 54310.745720000006 | 75635 | 479703 | 555338 | 4206349.741761889 39272763.83341999 | 2913198.1141386945 | 4212275.657237216 | 10242613 | 45078339.53476218 | 50362494.49691329 | 152081684.63647136 | 4377324.02584 | 4377324.02584 | 5151279 | 5529980 | 10681259 | 167140267.66231138 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 450000 | 270000 | 1200000 | 2092924 | 5677924 | 150000 | 150000 | 103837 | 94373 | 198210 | 6026134 Réserves | 287551.943 | 87983 | 26311.10495 | 191165 | 1055563.7104900002 | 833713.9723799999 | 2482288.73082 | 172221.88741999998 | 172221.88741999998 | 79683 | 74608 | 154291 | 2808801.61824 Surplus d'apport | 0 | 14325 | 93847.20015 | 1384 | 98479.45517 | 0 | 208035.65532000002 | 0 | 0 | 0 | 0 | 0 | 208035.65532000002 BNR | 946513.515 | -132635.60293 | -312767.29309 | 421061 | 1147718.017699999 | 2532730.93818 | 4602620.574859999 | 116257.62903000001 | 116257.62903000001 | 87363 | 95087 | 182450 | 4901328.20389 2734065.458 | 134672.39707 | 257391.01201 | 883610 | 3501761.183359999 | 5459368.910560001 | 12970868.961 | 438479.51645 | 438479.51645 | 270883 | 264068 | 534951 | 13944299.47745 42006829.29141999 | 3047870.5112086944 | 4469666.669247216 | 11126223 | 48580100.718122184 | 55821863.407473296 | 165052553.5974714 | 4815803.54229 | 4815803.54229 | 5422162 | 5794048 | 11216210 | 181084567.13976142 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 188623.9572 | 2339.36400979 | 190963.32120979 | 0 | 0 | 0 | 0 | 0 | 190963.32120979 Crédit documentaire | 134118.6 | 0 | 0 | 0 | 730114.8281 | 577558.7821956261 | 1441792.210295626 | 0 | 0 | 58564 | 6957 | 65521 | 1507313.210295626 Autres | 68012.486 | 261077.9611228 | 2383.745283 | 112461 | 3089262.53553 | 1238421.1159331503 | 4771618.84386895 | 706170.86164 | 706170.86164 | 4458948 | 838726 | 5297674 | 10775463.705508951 Portefeuille brut | 9955913.30213 | 1445153.1739 | 1803419.8174790142 | 4968468 | 19458422.2705 | 20955528.59656 | 58586905.16056901 | 2963453.305079 | 2963453.305079 | 1551010 | 2334458 | 3885468 | 65435826.46564801 Provisions pour créances douteuses | 229403.78 | 401573.91564 | 24647.593436336003 | 25365 | 405332.48708999995 | 133634.58442 | 1219957.360586336 | 61133.461769999994 | 61133.461769999994 | 47023 | 84347 | 131370 | 1412460.822356336 Portefeuille de crédit improductif | 541851.264 | 454906.74672740605 | 69254 | 33339 | 1403174 | 70530.17723 | 2573055.187957406 | 297794.71105000004 | 297794.71105000004 | 0 | 167666 | 167666 | 3038515.899007406 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 0 | BNC | 0 | UNIBK | 0 | UNIBK | 0 BNC | 0 | UNIBK | 0 | SOGEBK | 0 | SOGEBK | 0 SOGEBK | 0 | SOGEBK | 0 | BNC | 0 | BNC | 0 CAPITALBK | 0 | BUH | 0 | CAPITALBK | 0 | CAPITALBK | 0 SCOTIA | 0 | BPH | 0 | SOGEBL | 0 | SOGEBL | 0 CBNA | 0 | CAPITALBK | 0 | SCOTIA | 0 | CBNA | 0 BUH | 0 | CBNA | 0 | BUH | 0 | SCOTIA | 0 BPH | 0 | SCOTIA | 0 | CBNA | 0 | BUH | 0 SOGEBL | 0 | SOGEBL | 0 | BPH | 0 | BPH | 0 0 [bilsysbandéc. 13 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 DÉCEMBRE 2013 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 2314811.105 | 146223.52531 | 464929.41229856 | 276514 | 2243173.66249 | 1457807.26650011 | 6903458.97159867 | 32779.77197 | 32779.77197 | 82161 | 106143 | 188304 | 7124542.74356867 Avoirs à la BRH | 10709042.576 | 882079.0389 | 1373536.9883516 | 3158012 | 12182604.10336 | 15067912.46107548 | 43373187.16768708 | 410951.47922000004 | 410951.47922000004 | 2588767 | 1886700 | 4475467 | 48259605.64690708 Avoirs à l'étranger | 892985.571 | 469617.89076 | 160660.67791022 | 679760 | 772148.2651000001 | 1863318.6928927996 | 4838491.097663019 | 12395.73735 | 12395.73735 | 441000 | 1644889 | 2085889 | 6936775.835013019 Avoirs dans les banques locales | 0 | 0 | 33094.953762 | 8659 | 11137.940630000001 | 8999.641556020099 | 61891.5359480201 | 811946.3005999998 | 811946.3005999998 | 0 | 0 | 0 | 873837.8365480199 Autres liquidités | 108424.673 | 33712.63845 | 109.58110248 | 72274 | 64666.53138 | 736215.7622832 | 1015403.1862156801 | 4877.2539799999995 | 4877.2539799999995 | 61725 | 17856 | 79581 | 1099861.4401956801 14025263.925 | 1531633.0934199998 | 2032331.6134248597 | 4195219 | 15273730.50296 | 19134253.82430761 | 56192431.95911248 | 1272950.54312 | 1272950.54312 | 3173653 | 3655588 | 6829241 | 64294623.50223247 Bons B.R.H. | 5989000 | 0 | 0 | 348775 | 500000 | 0 | 6837775 | 0 | 0 | 43 | 0 | 43 | 6837818 Bons du Trésor / M.E.F. | 2875000 | 0 | 0 | 0 | 0 | 0 | 2875000 | 0 | 0 | 0 | 0 | 0 | 2875000 Autres Placements | 5982193.73 | 25214.75518 | 244596.54604172 | 548149 | 8990405.0792 | 11669729.4435282 | 27460288.553949922 | 38474.2538 | 38474.2538 | 0 | 0 | 0 | 27498762.807749923 Portefeuille net | 9830902.60685 | 1095487.7257700001 | 1676254.0550492997 | 4820490 | 19446814.98097 | 20094332.447109997 | 56964281.8157493 | 2701338.3010298996 | 2701338.3010298996 | 1725491 | 2215144 | 3940635 | 63606255.1167792 Immobilisations | 1196035.77981 | 196462.68229 | 246704.83648 | 306801 | 1692619.0442099997 | 1348639.47959 | 4987262.82238 | 179352.96897000002 | 179352.96897000002 | 385929 | 65306 | 451235 | 5617850.79135 Autres actifs | 1743598.9209999999 | 46079.9568 | 81691.14901689996 | 343569 | 1874956.85603 | 701876.83299832 | 4791772.71584522 | 98487.29668 | 98487.29668 | 96421 | 14906 | 111327 | 5001587.0125252195 41641994.96265999 | 2894878.2134599998 | 4281578.200012779 | 10563003 | 47778526.46337 | 52948832.02753413 | 160108812.86703694 | 4290603.363599899 | 4290603.363599899 | 5381537 | 5950944 | 11332481 | 175731897.23063684 PASSIF Dépôts À vue | 20890975.584999997 | 1094458.38772 | 1354417.82993126 | 4544031 | 12956353.79405 | 21370803.7411865 | 62211040.33788776 | 933866.39886 | 933866.39886 | 3401019 | 2924466 | 6325485 | 69470391.73674776 Épargne | 8847674.889 | 572048.13718 | 1753012.2318491 | 2422973 | 17868347.20857 | 19390703.630467318 | 50854759.09706642 | 496804.38842 | 496804.38842 | 318708 | 1428568 | 1747276 | 53098839.48548642 À terme | 4063906.79657 | 841273.15076 | 669026.17553622 | 2037659 | 7266719.997638475 | 5086726.777560321 | 19965311.898065016 | 1385387.21074 | 1385387.21074 | 560978 | 495406 | 1056384 | 22407083.108805016 33802557.27057 | 2507779.67566 | 3776456.23731658 | 9004663 | 38091421.000258476 | 45848234.14921414 | 133031111.33301918 | 2816057.99802 | 2816057.99802 | 4280705 | 4848440 | 9129145 | 144976314.3310392 Obligations à vue Banques locales | 219410 | 0 | 0 | 0 | 0 | 0 | 219410 | 0 | 0 | 200000 | 0 | 200000 | 419410 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1327259.896 | 158202.96999789999 | 165464.87408276 | 292190 | 1295149.6321 | 1087038.3062604698 | 4325305.67844113 | 82746.92023999999 | 82746.92023999999 | 495534 | 162761 | 658295 | 5066347.5986811295 1546669.896 | 158202.96999789999 | 165464.87408276 | 292190 | 1295149.6321 | 1087038.3062604698 | 4544715.67844113 | 82746.92023999999 | 82746.92023999999 | 695534 | 162761 | 858295 | 5485757.5986811295 Obligations à terme Banques locales | 3000 | 16642.5 | 0 | 0 | 0 | 350000 | 369642.5 | 855000 | 855000 | 0 | 0 | 0 | 1224642.5 Banque à l'étranger | 0 | 0 | 0 | 0 | 2332448.84034 | 0 | 2332448.84034 | 0 | 0 | 0 | 0 | 0 | 2332448.84034 Autres | 2662474.899 | 9977.743299999998 | 267.62175 | 49242 | 751904.8744399999 | 323289.65047996 | 3797156.78896996 | 22605.762469999958 | 22605.762469999958 | 70779 | 43497 | 114276 | 3934038.55143996 2665474.899 | 26620.2433 | 267.62175 | 49242 | 3084353.71478 | 673289.65047996 | 6499248.12930996 | 877605.76247 | 877605.76247 | 70779 | 43497 | 114276 | 7491129.89177996 Autres passifs | 813845.83 | 0 | 177966.65968058002 | 297784 | 1659018.6765899998 | 316690.05148492 | 3265305.2177554998 | 47719.54006 | 47719.54006 | 74738 | 643597 | 718335 | 4031359.7578155 38828547.895569995 | 2692602.8889579005 | 4120155.39282992 | 9643879 | 44129943.02372848 | 47925252.157439485 | 147340380.35852578 | 3824130.2207899997 | 3824130.2207899997 | 5121756 | 5698295 | 10820051 | 161984561.57931578 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 450000 | 270000 | 1050000 | 2093492 | 5528492 | 150000 | 150000 | 103837 | 94373 | 198210 | 5876702 Réserves | 342560.83900000004 | 12977 | 32673.10495 | 172518 | 1214131.8360000001 | 579987.09535 | 2354847.8753 | 172221.88741999998 | 172221.88741999998 | 79683 | 73632 | 153315 | 2680384.76272 Surplus d'apport | 0 | 14325 | 110320.3655 | 1387 | 98479.45517 | 0 | 224511.82067 | 0 | 0 | 0 | 0 | 0 | 224511.82067 BNR | 970886.2309999999 | 9973.32451 | -431570.66326 | 475219 | 1285972.14847 | 2350100.77176 | 4660580.81248 | 144251.25533 | 144251.25533 | 76261 | 84644 | 160905 | 4965737.06781 2813447.0700000003 | 202275.32451 | 161422.80719000002 | 919124 | 3648583.43964 | 5023579.86711 | 12768432.508450001 | 466473.14275 | 466473.14275 | 259781 | 252649 | 512430 | 13747335.6512 41641994.965569995 | 2894878.2134679006 | 4281578.20001992 | 10563003 | 47778526.46336848 | 52948832.024549484 | 160108812.86697575 | 4290603.363539999 | 4290603.363539999 | 5381537 | 5950944 | 11332481 | 175731897.23051578 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 141025.87115 | 1273.26452442 | 142299.13567442 | 0 | 0 | 0 | 0 | 0 | 142299.13567442 Crédit documentaire | 131646 | 0 | 0 | 0 | 663110.94274 | 615185.74073032 | 1409942.68347032 | 0 | 0 | 64266 | 2699 | 66965 | 1476907.68347032 Autres | 9682.523 | 230358.81328102 | 2342.5641299999997 | 123044 | 2622128.92733 | 1142560.181222736 | 4130117.008963756 | 688400.0651 | 688400.0651 | 4283910 | 690363 | 4974273 | 9792790.074063756 Portefeuille brut | 9995533.15085 | 1429989.41834 | 1698649.9928719397 | 4849864 | 19776037.415459998 | 20205836.33688 | 57955910.31440194 | 2759533.8283899 | 2759533.8283899 | 1734790 | 2303514 | 4038304 | 64753748.14279184 Provisions pour créances douteuses | 164630.544 | 334501.69257 | 22395.93782264 | 29374 | 329222.43449 | 111503.88977000001 | 991628.49865264 | 58195.52735999999 | 58195.52735999999 | 9299 | 88370 | 97669 | 1147493.02601264 Portefeuille de crédit improductif | 549342.6560000001 | 379238.85808916006 | 110890 | 25261 | 1146727 | 54768.80021 | 2266228.31429916 | 289801.45183 | 289801.45183 | 0 | 206228 | 206228 | 2762257.7661291603 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 20081261.15480266 | BNC | 3810000 | UNIBK | 24056419.86524 | UNIBK | 5797198.13227 SOGEBK | 16696860.00353 | SOGEBK | 1300000 | SOGEBK | 19215072.52599 | SOGEBK | 3881092.5410900004 BNC | 15578365.977 | CAPITALBK | 298391 | BNC | 10524694.186369998 | BNC | 3191363.1577500002 CAPITALBK | 4901707 | CBNA | 796833 | CAPITALBK | 5637972 | CAPITALBK | 1074342 SCOTIA | 3991811 | SCOTIA | 0 | SOGEBL | 3345304.258156 | SOGEBL | 493689.75045000005 CBNA | 3280379 | UNIBK | 0 | SCOTIA | 2063611 | CBNA | 390175 BUH | 2697877.9434218104 | BUH | 180000 | CBNA | 1798882 | SCOTIA | 272759 BPH | 1719442.21624 | BPH | 223000 | BUH | 2291639.384839494 | BPH | 127762.48477000001 SOGEBL | 2356516.11964 | SOGEBL | 0 | BPH | 858993.53526 | BUH | 282671.47166000004 0 [bilsysbanjuin 13 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2013 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1406899.934 | 106815.78258999999 | 344227.759854126 | 195143 | 1871834.32808 | 863107.082736102 | 4788027.887260227 | 20440.9162 | 20440.9162 | 43022 | 61578 | 104600 | 4913068.803460227 Avoirs à la BRH | 11617092.421 | 621175.89429 | 1497978.107622434 | 3217527 | 13992157.79473 | 16009520.545549076 | 46955451.763191506 | 395810.74358 | 395810.74358 | 2910308 | 2344887 | 5255195 | 52606457.506771505 Avoirs à l'étranger | 1124266.787 | 182412.88524 | 241792.80487194602 | 731323 | 1380256.75534 | 2901009.298892335 | 6561061.531344281 | 4072.0567 | 4072.0567 | 1129164 | 1447970 | 2577134 | 9142267.58804428 Avoirs dans les banques locales | 0 | 0 | 137407.554421166 | 15646 | 7204.79724 | 66920.30130198546 | 227178.65296315146 | 965732.72408 | 965732.72408 | 0 | 0 | 0 | 1192911.3770431513 Autres liquidités | 137107.698 | 49901.64198 | 73095.580742662 | 248912 | 364902.53588 | 680695.175964766 | 1554614.632567428 | 35318.7309 | 35318.7309 | 119255 | 48585 | 167840 | 1757773.3634674281 14285366.840000002 | 960306.2040999999 | 2294501.807512334 | 4408551 | 17616356.21127 | 20521252.404444262 | 60086334.4673266 | 1421375.17146 | 1421375.17146 | 4201749 | 3903020 | 8104769 | 69612478.63878658 Bons B.R.H. | 4950000 | 0 | 0 | 199908 | 0 | 0 | 5149908 | 0 | 0 | 299984 | 0 | 299984 | 5449892 Autres Placements | 8370623.588000001 | 156530.14163 | 25101.894998074004 | 752939 | 9123462.828809999 | 10880819.957782237 | 29309477.411220312 | 38463.2738 | 38463.2738 | 158920 | 0 | 158920 | 29506860.685020313 Portefeuille net | 9563073.05615 | 1204950.482 | 1335406.972707396 | 4661700 | 17921946.925649997 | 17916366.89466 | 52603444.3311674 | 2482500.6071989997 | 2482500.6071989997 | 1563830 | 2167525 | 3731355 | 58817299.9383664 Immobilisations | 1163001.75057 | 133874.90623 | 222501.31328 | 292789 | 1549842.6027900001 | 1361386.41226 | 4723395.98513 | 153442.23752999998 | 153442.23752999998 | 361094 | 96845 | 457939 | 5334777.2226599995 Autres actifs | 1831530.3199999998 | 41666.44271 | 64415.836402901994 | 349621 | 1715765.6686200001 | 868924.744599244 | 4871924.012332146 | 99878.25355000001 | 99878.25355000001 | 89613 | 12821 | 102434 | 5074236.265882146 40163595.55472001 | 2497328.17667 | 3941927.824900706 | 10665508 | 47927374.23713999 | 51548750.413745746 | 156744484.20717645 | 4195659.543539 | 4195659.543539 | 6675190 | 6180211 | 12855401 | 173795544.75071543 PASSIF Dépôts À vue | 22269416.289 | 850838.99981 | 1100076.306954602 | 4871302 | 14130876.896240002 | 20538139.373584818 | 63760649.865589425 | 981700.14978 | 981700.14978 | 4553991 | 3044646 | 7598637 | 72340987.01536942 Épargne | 8761162.601 | 494340.73384 | 1800883.8381877881 | 2447765 | 17638965.621949993 | 19539849.766520422 | 50682967.5614982 | 470729.23300999997 | 470729.23300999997 | 305220 | 1368500 | 1673720 | 52827416.794508204 À terme | 2964790.3422600003 | 919843.61216 | 622426.218203894 | 1828114 | 7139648.505997582 | 4698224.991252368 | 18173047.669873845 | 1392550.56616 | 1392550.56616 | 601057 | 576006 | 1177063 | 20742661.236033846 33995369.23226 | 2265023.34581 | 3523386.3633462843 | 9147181 | 38909491.02418758 | 44776214.13135761 | 132616665.09696148 | 2844979.94895 | 2844979.94895 | 5460268 | 4989152 | 10449420 | 145911065.04591146 Obligations à vue Banques locales | 131376.6 | 0 | 0 | 131377 | 0 | 0 | 262753.6 | 0 | 0 | 230000 | 0 | 230000 | 492753.6 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1354566.267 | 161224.55832881 | 125926.78130685 | 214909 | 1540564.80526 | 973947.180818442 | 4371138.592714102 | 83974.87575000002 | 83974.87575000002 | 592696 | 183161 | 775857 | 5230970.468464102 1485942.867 | 161224.55832881 | 125926.78130685 | 346286 | 1540564.80526 | 973947.180818442 | 4633892.192714102 | 83974.87575000002 | 83974.87575000002 | 822696 | 183161 | 1005857 | 5723724.068464101 Obligations à terme Banques locales | 3000 | 21397.5 | 0 | 0 | 150000 | 650000 | 824397.5 | 800000 | 800000 | 0 | 0 | 0 | 1624397.5 Banque à l'étranger | 0 | 0 | 0 | 0 | 1627656.1034099997 | 0 | 1627656.1034099997 | 0 | 0 | 0 | 0 | 0 | 1627656.1034099997 Autres | 1304294.134 | 11531.702870000001 | 3908.5923220779996 | 54466 | 733529.6421200002 | 411512.26147008804 | 2519242.332782166 | 14473.583910000045 | 14473.583910000045 | 59193 | 49937 | 109130 | 2642845.916692166 1307294.134 | 32929.20287 | 3908.5923220779996 | 54466 | 2511185.74553 | 1061512.261470088 | 4971295.936192166 | 814473.58391 | 814473.58391 | 59193 | 49937 | 109130 | 5894899.520102166 Autres passifs | 795165.905 | 0 | 175060.60772886802 | 285063 | 1626216.03811 | 342556.06677334 | 3224061.6176122082 | 26397.00176 | 26397.00176 | 83895 | 668774 | 752669 | 4003127.619372208 37583772.13826001 | 2459177.10700881 | 3828282.3447040804 | 9832996 | 44587457.61308759 | 47154229.640419476 | 145445914.84347996 | 3769825.41037 | 3769825.41037 | 6426052 | 5891024 | 12317076 | 161532816.25384995 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 5000 | 450000 | 270000 | 1050000 | 2093492 | 5368492 | 150000 | 150000 | 103837 | 94373 | 198210 | 5716702 Réserves | 308777.819 | 12977 | 27834.10495 | 175811 | 1279214.0487000002 | 315525.61964 | 2120139.59229 | 139049.84042000002 | 139049.84042000002 | 79683 | 73442 | 153125 | 2412314.4327100003 Surplus d'apport | 0 | 14325 | 110320.3655 | 1387 | 98479.45517 | 0 | 224511.82067 | 0 | 0 | 0 | 0 | 0 | 224511.82067 BNR | 771045.6000000001 | 5849.070110000001 | -474508.97027 | 385314 | 912223.120180001 | 1985503.15414 | 3585425.974160001 | 136784.29275999998 | 136784.29275999998 | 65618 | 121372 | 186990 | 3909200.2669200012 2579823.419 | 38151.07011 | 113645.50018000003 | 832512 | 3339916.624050001 | 4394520.77378 | 11298569.387120001 | 425834.13318 | 425834.13318 | 249138 | 289187 | 538325 | 12262728.5203 40163595.55726001 | 2497328.1771188104 | 3941927.8448840803 | 10665508 | 47927374.237137586 | 51548750.41419948 | 156744484.23059997 | 4195659.5435500005 | 4195659.5435500005 | 6675190 | 6180211 | 12855401 | 173795544.77414995 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 96243.19526 | 0 | 96243.19526 | 0 | 0 | 0 | 0 | 0 | 96243.19526 Crédit documentaire | 131376.6 | 0 | 0 | 0 | 700594.30208 | 812433.180800988 | 1644404.082880988 | 0 | 0 | 28871 | 6674 | 35545 | 1679949.082880988 Autres | 106957.315 | 149492.48112700199 | 1243.272273 | 142552 | 2580318.6066300003 | 376135.9820007101 | 3356699.6570307123 | 413110.81009000004 | 413110.81009000004 | 2328875 | 346649 | 2675524 | 6445334.467120713 Portefeuille brut | 9721066.15615 | 1555938.381 | 1351852.563683196 | 4698230 | 18264947.366329998 | 18010890.49878 | 53602924.96594319 | 2549159.605939 | 2549159.605939 | 1564586 | 2296874 | 3861460 | 60013544.57188219 Provisions pour créances douteuses | 157993.1 | 350987.8989 | 16445.5909758 | 36530 | 343000.44068 | 94523.60411999999 | 999480.6346758 | 66658.99874 | 66658.99874 | 756 | 129348.9 | 130104.9 | 1196244.5334158 Portefeuille de crédit improductif | 229926.67492 | 410407.126690546 | 13265 | 39178 | 619479 | 43813.48558 | 1356069.287190546 | 200340.14794 | 200340.14794 | 0 | 215535 | 215535 | 1771944.435130546 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 0 [bilsysbanmars 13 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2013 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1125774.391 | 83747.08548000001 | 298001.03399062 | 216823 | 2150897.32972 | 912865.3837106269 | 4788108.223901247 | 20328.12611 | 20328.12611 | 49562 | 61363 | 110925 | 4919361.350011246 Avoirs à la BRH | 14051095.854 | 886454.6874599999 | 1114968.5584244921 | 3210183 | 13781253.740859998 | 14115655.515871648 | 47159611.35661614 | 421016.9488 | 421016.9488 | 3900978 | 1978928 | 5879906 | 53460534.30541614 Avoirs à l'étranger | 1321623.389 | 27857.29706 | 140122.36790668598 | 454411 | 402613.79172000004 | 3485954.516693431 | 5832582.362380117 | 8644.56776 | 8644.56776 | 350870 | 1328576 | 1679446 | 7520672.930140117 Avoirs dans les banques locales | 0 | 0 | 104582.70977019801 | 18804 | 5536.786980000001 | 49710.83383960356 | 178634.33058980157 | 933812.14778 | 933812.14778 | 0 | 0 | 0 | 1112446.4783698015 Autres liquidités | 481671.288 | 67705.35064 | 29197.515932649996 | 125908 | 422918.86621 | 502571.323981134 | 1629972.344763784 | 8009.56079 | 8009.56079 | 71530 | 22464 | 93994 | 1731975.905553784 16980164.922000002 | 1065764.42064 | 1686872.186024646 | 4026129 | 16763220.515489997 | 19066757.57409644 | 59588908.61825109 | 1391811.35124 | 1391811.35124 | 4372940 | 3391331 | 7764271 | 68744990.96949108 Bons B.R.H. | 3615151.6 | 0 | 0 | 0 | 1094848.5 | 20000 | 4730000.1 | 0 | 0 | 346315 | 150000 | 496315 | 5226315.1 Autres Placements | 9356585.003 | 24703.99074 | 110671.18761821999 | 633953 | 10300008.18819 | 13781840.017135173 | 34207761.38668339 | 29062.3708 | 29062.3708 | 160000 | 0 | 160000 | 34396823.75748339 Portefeuille net | 8898564.324630002 | 1021381.7901100001 | 1356674.840826824 | 4469832 | 16948580.06147 | 17586469.59725 | 50281502.614286825 | 2410670.4689510004 | 2410670.4689510004 | 1640201 | 2122931 | 3763132 | 56455305.08323783 Immobilisations | 1142914.37157 | 129932.22692 | 213610.60895999998 | 286638 | 1511020.0558299997 | 1336880.0043699997 | 4620995.267649999 | 150038.61628999998 | 150038.61628999998 | 335257 | 105769 | 441026 | 5212059.883939999 Autres actifs | 1814458.835 | 33508.43297 | 67946.02256957801 | 380810 | 1651062.1380099999 | 1101284.826482492 | 5049070.25503207 | 98301.96883999999 | 98301.96883999999 | 61844 | 15653 | 77497 | 5224869.22387207 41807839.056200005 | 2275290.8613799997 | 3435774.845999268 | 9797362 | 48268739.45899 | 52893232.0193341 | 158478238.24190336 | 4079884.776121 | 4079884.776121 | 6916557 | 5785684 | 12702241 | 175260364.01802436 PASSIF Dépôts À vue | 25050932.145 | 807897.01067 | 975064.306212746 | 4099376 | 13717850.850720001 | 19922517.100442145 | 64573637.413044885 | 897079.97631 | 897079.97631 | 4743033 | 2552155 | 7295188 | 72765905.38935488 Épargne | 8492905.668 | 493646.59649 | 1791247.720383294 | 2420589 | 17581201.85876 | 19008389.249872647 | 49787980.09350594 | 470184.82955 | 470184.82955 | 307417 | 1379145 | 1686562 | 51944726.92305594 À terme | 3005456.84028 | 656892.04157 | 613275.8233992419 | 1661475 | 6903345.136680998 | 4634793.527464306 | 17475238.36939455 | 1382335.57552 | 1382335.57552 | 1078658 | 612609 | 1691267 | 20548840.94491455 36549294.653280005 | 1958435.64873 | 3379587.849995282 | 8181440 | 38202397.846161 | 43565699.877779104 | 131836855.87594536 | 2749600.38138 | 2749600.38138 | 6129108 | 4543909 | 10673017 | 145259473.25732538 Obligations à vue Banques locales | 0 | 0 | 0 | 301116 | 0 | 0 | 301116 | 0 | 0 | 200000 | 0 | 200000 | 501116 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1291482.62 | 172713.33829638598 | 106048.240186734 | 228270 | 1501458.6681400002 | 1003906.297501403 | 4303879.164124523 | 85898.58216 | 85898.58216 | 250558 | 220835 | 471393 | 4861170.746284523 1291482.62 | 172713.33829638598 | 106048.240186734 | 529386 | 1501458.6681400002 | 1003906.297501403 | 4604995.164124523 | 85898.58216 | 85898.58216 | 450558 | 220835 | 671393 | 5362286.746284523 Obligations à terme Banques locales | 3000 | 109808.2 | 0 | 0 | 0 | 700000 | 812808.2 | 800000 | 800000 | 0 | 0 | 0 | 1612808.2 Banque à l'étranger | 0 | 0 | 0 | 0 | 3050445.72096 | 0 | 3050445.72096 | 0 | 0 | 0 | 0 | 0 | 3050445.72096 Autres | 1296361.836 | 19125.760219999996 | 4700.1895252839995 | 37972 | 648902.2338100001 | 3098159.4661208484 | 5105221.485676132 | 7811.660249999957 | 7811.660249999957 | 50394 | 31162 | 81556 | 5194589.145926132 1299361.836 | 128933.96022 | 4700.1895252839995 | 37972 | 3699347.95477 | 3798159.4661208484 | 8968475.406636132 | 807811.66025 | 807811.66025 | 50394 | 31162 | 81556 | 9857843.06688613 Autres passifs | 297123.801 | 21.5 | 153644.77677201398 | 270992 | 1716274.91466 | 450061.164340304 | 2888118.1567723183 | 28751.88684 | 28751.88684 | 34708 | 699384 | 734092 | 3650962.043612318 39437262.910280004 | 2260104.4472463857 | 3643981.056479314 | 9019790 | 45119479.383731 | 48817826.80574165 | 148298444.60347837 | 3672062.5106300004 | 3672062.5106300004 | 6664768 | 5495290 | 12160058 | 164130565.11410838 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 5000 | 150202.375 | 270000 | 1050000 | 2093492 | 5068694.375 | 150000 | 150000 | 103837 | 94373 | 198210 | 5416904.375 Réserves | 229831.353 | 12977 | 24498.97294 | 173152 | 1264955.10636 | 332871.22053 | 2038285.65283 | 139049.84042000002 | 139049.84042000002 | 79683 | 73217 | 152900 | 2330235.4932500003 Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002 BNR | 640744.79 | -17115.58668 | -488228.2819 | 333033 | 735825.51373 | 1649041.99331 | 2853301.42846 | 118772.42507 | 118772.42507 | 68269 | 122804 | 191073 | 3163146.85353 2370576.143 | 15186.41332 | -208206.21048 | 777572 | 3149260.0752600003 | 4075405.2138400003 | 10179793.63494 | 407822.26549 | 407822.26549 | 251789 | 290394 | 542183 | 11129798.900430001 41807839.05328 | 2275290.8605663856 | 3435774.845999314 | 9797362 | 48268739.458991 | 52893232.01958165 | 158478238.2384183 | 4079884.7761200005 | 4079884.7761200005 | 6916557 | 5785684 | 12702241 | 175260364.01453835 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 56042.97523 | 0 | 56042.97523 | 0 | 0 | 0 | 0 | 0 | 56042.97523 Crédit documentaire | 136677.116 | 0 | 0 | 0 | 634216.416 | 835945.240769672 | 1606838.7727696719 | 0 | 0 | 81038 | 2581 | 83619 | 1690457.7727696719 Autres | 65784.379 | 175989.91589728202 | 1223.909419 | 175247 | 2116670.78342 | 432039.68510281807 | 2966955.6728391005 | 579832.23708 | 579832.23708 | 2217104 | 290701 | 2507805 | 6054592.9099191 Portefeuille brut | 9108522.130630001 | 1366040.2529000002 | 1388779.935634368 | 4501270 | 17289870.82898 | 17668423.01948 | 51322906.16762437 | 2472181.938101 | 2472181.938101 | 1640957 | 2252076 | 3893033 | 57688121.10572537 Provisions pour créances douteuses | 209957.806 | 344658.46279 | 32105.094807544 | 31438 | 341290.76751 | 81953.42223 | 1041403.5533375441 | 61511.469150000004 | 61511.469150000004 | 756 | 129145.5 | 129901.5 | 1232816.522487544 Portefeuille de crédit improductif | 159877.47900000002 | 415904.63603000005 | 12400 | 30455 | 349713 | 41243.827000000005 | 1009593.9420300002 | 298179.181041 | 298179.181041 | 0 | 208697 | 208697 | 1516470.1230710002 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 0 | BNC | 0 | UNIBK | 0 | UNIBK | 0 BNC | 0 | SOGEBK | 0 | SOGEBK | 0 | SOGEBK | 0 SOGEBK | 0 | CBNA | 0 | BNC | 0 | BNC | 0 CBNA | 0 | SCOTIA | 0 | CAPITALBK | 0 | CAPITALBK | 0 CAPITALBK | 0 | UNIBK | 0 | SOGEBL | 0 | SOGEBL | 0 SCOTIA | 0 | CAPITALBK | 0 | SCOTIA | 0 | SCOTIA | 0 BUH | 0 | BUH | 0 | CBNA | 0 | CBNA | 0 SOGEBL | 0 | BPH | 0 | BUH | 0 | BPH | 0 BPH | 0 | SOGEBL | 0 | BPH | 0 | BUH | 0 0 [bilsysbandéc. 12 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DÉCEMBRE 2012 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 831793.451 | 99060.754 | 212743.78659993003 | 256915 | 3000007.20411 | 1214779.241864435 | 5615299.437574364 | 31518.420469999997 | 31518.420469999997 | 59946 | 96137 | 156083 | 5802900.8580443645 Avoirs à la BRH | 19984808.725 | 562540.08096 | 1039706.8151492699 | 2538184 | 10677126.131409999 | 11930153.95497912 | 46732519.707498394 | 316478.57357999997 | 316478.57357999997 | 2244835 | 1512264 | 3757099 | 50806097.28107839 Avoirs à l'étranger | 1960153.735 | 33017.49897 | 142975.30043804 | 576486 | 1286737.8642 | 3411551.9279267774 | 7410922.326534817 | 6642.48626 | 6642.48626 | 689454 | 1347952 | 2037406 | 9454970.812794816 Avoirs dans les banques locales | 0 | 0 | 106110.20385054001 | 14466 | 4058.22282 | 171249.64058883168 | 295884.0672593717 | 1821102.32581 | 1821102.32581 | 0 | 0 | 0 | 2116986.3930693716 Autres liquidités | 347377.889 | 129635.97767000001 | 23714.75945663 | 94778 | 263750.64953 | 553247.56796362 | 1412504.84362025 | 13677.94774 | 13677.94774 | 258799 | 109912 | 368711 | 1794893.79136025 23124133.8 | 824254.3116 | 1525250.86549441 | 3480829 | 15231680.072069999 | 17280982.333322782 | 61467130.38248719 | 2189419.75386 | 2189419.75386 | 3253034 | 3066265 | 6319299 | 69975849.13634719 Bons B.R.H. | 4542000 | 0 | 0 | 199996 | 300000 | 400000 | 5441996 | 0 | 0 | 502282 | 150000 | 652282 | 6094278 Autres Placements | 8974607.663999997 | 24429.85432 | 24368.22191034 | 680212 | 11059686.27807 | 14041948.06 | 34805252.07830034 | 29016.0108 | 29016.0108 | 0 | 0 | 0 | 34834268.08910034 Portefeuille net | 7972957.9045400005 | 963206.8202000001 | 1387587.6928136097 | 4452685 | 17558558.95744 | 16687410.115430001 | 49022406.49042361 | 2280473.104593 | 2280473.104593 | 1415415 | 2104721 | 3520136 | 54823015.59501661 Immobilisations | 1131922.20488 | 139620.64819 | 214063.5058 | 295301 | 1458585.3503899996 | 1338502.29513 | 4577995.004389999 | 155024.64772999997 | 155024.64772999997 | 311003 | 80783 | 391786 | 5124805.65212 Autres actifs | 1840698.835 | 154661.34338 | 61367.73980073999 | 521609 | 2991822.0829700003 | 1022001.6517487601 | 6592160.6528995 | 85327.83948 | 85327.83948 | 69241 | 8644 | 77885 | 6755373.4923795 47586320.408420004 | 2106172.97769 | 3212638.0258191 | 9630632 | 48600332.74094 | 50770844.45563154 | 161906940.60850066 | 4739261.356463 | 4739261.356463 | 5550975 | 5410413 | 10961388 | 177607589.96496361 PASSIF Dépôts À vue | 31073825.213 | 625106.23446 | 861462.66819872 | 3984772 | 14731939.250130001 | 19300957.165896833 | 70578062.53168555 | 947016.4886399999 | 947016.4886399999 | 3315873 | 2411463 | 5727336 | 77252415.02032554 Épargne | 8130876.351 | 484045.67729 | 1708723.4049474201 | 2420124 | 17378672.822520003 | 18320262.12279012 | 48442704.37854754 | 431247.03752 | 431247.03752 | 323453 | 1347844 | 1671297 | 50545248.41606754 À terme | 2971264.49279 | 640305.12044 | 606961.5231809 | 1673310 | 6437346.700091321 | 4516587.12458394 | 16845774.96108616 | 2023658.3964500001 | 2023658.3964500001 | 1082662 | 643374 | 1726036 | 20595469.357536163 42175966.056789994 | 1749457.03219 | 3177147.5963270403 | 8078206 | 38547958.772741325 | 42137806.41327089 | 135866541.87131923 | 3401921.92261 | 3401921.92261 | 4721988 | 4402681 | 9124669 | 148393132.79392925 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 200000 | 0 | 200000 | 200000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1562430.827 | 171989.40494305996 | 115239.99204310999 | 446998 | 2653462.36943 | 682580.9898625601 | 5632701.5832787305 | 75404.34736 | 75404.34736 | 271331 | 132595 | 403926 | 6112031.9306387305 1562430.827 | 171989.40494305996 | 115239.99204310999 | 446998 | 2653462.36943 | 682580.9898625601 | 5632701.5832787305 | 75404.34736 | 75404.34736 | 471331 | 132595 | 603926 | 6312031.9306387305 Obligations à terme Banques locales | 3000 | 26945 | 0 | 0 | 0 | 0 | 29945 | 800000 | 800000 | 0 | 0 | 0 | 829945 Banque à l'étranger | 0 | 0 | 0 | 0 | 1972806.6793499999 | 0 | 1972806.6793499999 | 0 | 0 | 0 | 0 | 0 | 1972806.6793499999 Autres | 1270894.404 | 143343.85016 | 2683.81300475 | 57708 | 614260.0409499998 | 3011467.6301318603 | 5100357.73824661 | 12256.860899999998 | 12256.860899999998 | 77167 | 37187 | 114354 | 5226968.59914661 1273894.404 | 170288.85016 | 2683.81300475 | 57708 | 2587066.7202999997 | 3011467.6301318603 | 7103109.41759661 | 812256.8609 | 812256.8609 | 77167 | 37187 | 114354 | 8029720.27849661 Autres passifs | 288117.515 | 0 | 144544.29939104003 | 261393 | 1591629.6982000002 | 376898.31135325204 | 2662582.823944292 | 18348.94749 | 18348.94749 | 37601 | 579007 | 616608 | 3297539.771434292 45300408.80278999 | 2091735.2872930598 | 3439615.7007659404 | 8844305 | 45380117.56067132 | 46208753.34461857 | 151264935.6961389 | 4307932.07836 | 4307932.07836 | 5308087 | 5151470 | 10459557 | 166032424.77449888 AVOIR DES ACTIONNAIRES Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2093492 | 3768694.375 | 150000 | 150000 | 103837 | 94373 | 198210 | 4116904.375 Réserves | 186951.353 | 46655 | 24498.97294 | 146847 | 1309208.92245 | 103191.21255999999 | 1817352.4609499997 | 139049.84042000002 | 139049.84042000002 | 79683 | 72586 | 152269 | 2108671.3013699995 Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002 BNR | 1598960.2541399999 | -51542.309140000005 | -506999.74631 | 368093 | 1062526.80265 | 2365407.89922 | 4836445.90056 | 142279.43757000004 | 142279.43757000004 | 59368 | 91984 | 151352 | 5130077.33813 2285911.60714 | 14437.690859999995 | -226977.67489000002 | 786327 | 3220215.18027 | 4562091.11178 | 10642004.91516 | 431329.2779900001 | 431329.2779900001 | 242888 | 258943 | 501831 | 11575165.193149999 47586320.40992999 | 2106172.9781530597 | 3212638.0258759405 | 9630632 | 48600332.74094132 | 50770844.45639857 | 161906940.61129886 | 4739261.35635 | 4739261.35635 | 5550975 | 5410413 | 10961388 | 177607589.96764886 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 75064.80135 | 0 | 75064.80135 | 0 | 0 | 0 | 0 | 0 | 75064.80135 Crédit documentaire | 44823.342 | 0 | 0 | 0 | 542775.07817 | 1031452.0324875199 | 1619050.4526575198 | 0 | 0 | 25578 | 2447 | 28025 | 1647075.4526575198 Autres | 74229.701 | 188532.55913098 | 150 | 195788 | 2382106.36484 | 362953.258148766 | 3203759.883119746 | 786789.56415 | 786789.56415 | 3249503 | 275139 | 3524642 | 7515191.447269746 Portefeuille brut | 8166822.32454 | 1297645.6042 | 1415774.8096468998 | 4486840 | 17834080.99249 | 16756541.923 | 49957705.6538769 | 2334578.275403 | 2334578.275403 | 1442821 | 2255247 | 3698068 | 55990351.9292799 Provisions pour créances douteuses | 193864.42 | 334438.784 | 28187.116833289998 | 34155 | 275522.03504999995 | 69131.80757 | 935299.16345329 | 54105.170809999996 | 54105.170809999996 | 27406 | 150526 | 177932 | 1167336.33426329 Portefeuille de crédit improductif | 157200 | 388912.60178 | 16880 | 37402 | 268155 | 43951.09029 | 912500.69207 | 195623.51149900001 | 195623.51149900001 | 0 | 248269 | 248269 | 1356393.2035690001 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. BNC | 15578365.977 | BNC | 3810000 | SOGEBK | 19215072.52599 | UNIBK | 5797198.13227 UNIBK | 20081261.15480266 | UNIBK | 0 | UNIBK | 24056419.86524 | SOGEBK | 3881092.5410900004 SOGEBK | 16696860.00353 | CBNA | 796833 | BNC | 10524694.186369998 | BNC | 3191363.1577500002 CAPITALBK | 4901707 | SOGEBK | 1300000 | CAPITALBK | 5637972 | CAPITALBK | 1074342 CBNA | 3280379 | CAPITALBK | 298391 | SOGEBL | 3345304.258156 | SOGEBL | 493689.75045000005 SCOTIA | 3991811 | SCOTIA | 0 | SCOTIA | 2063611 | SCOTIA | 272759 SOGEBL | 2356516.11964 | BUH | 180000 | CBNA | 1798882 | CBNA | 390175 BUH | 2697877.9434218104 | BPH | 223000 | BUH | 2291639.384839494 | BPH | 127762.48477000001 BPH | 1719442.21624 | SOGEBL | 0 | BPH | 858993.53526 | BUH | 282671.47166000004 [bilsysbansept. 14. ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2013 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4498486.575 | 67921.31695 | 359366.722161784 | 262016 | 2000036.36121 | 614391.032539356 | 7802218.007861139 | 39733.33163 | 39733.33163 | 71110 | 84224 | 155334 | 7997285.339491139 Avoirs à la BRH | 11369006.581999999 | 965698.53037 | 1593311.2488331432 | 3747700 | 13181626.2757 | 18117744.966445513 | 48975087.60334866 | 517756.43091 | 517756.43091 | 3543883 | 2114692 | 5658575 | 55151419.034258656 Avoirs à l'étranger | 1227438.745 | 626036.59661 | 178291.539119673 | 541052 | 635408.43327 | 1199310.403287437 | 4407537.71728711 | 6869.19547 | 6869.19547 | 1399943 | 1444586 | 2844529 | 7258935.91275711 Avoirs dans les banques locales | 0 | 0 | 128014.021989259 | 16413 | 19547.34091 | 15.342804305166123 | 163989.70570356416 | 1507063.26143 | 1507063.26143 | 0 | 0 | 0 | 1671052.9671335642 Autres liquidités | 146018.71199999997 | 67240.54963 | 1401.1219934389999 | 141939 | 109906.84101999999 | 594105.9471851699 | 1060612.171828609 | 33892.611860000005 | 33892.611860000005 | 99625 | 51527 | 151152 | 1245656.783688609 17240950.614 | 1726896.99356 | 2260384.654097298 | 4709120 | 15946525.252109999 | 20525567.69226178 | 62409445.20602907 | 2105314.8313 | 2105314.8313 | 5114561 | 3695029 | 8809590 | 73324350.03732908 Bons B.R.H. | 2334000 | 100000 | 0 | 74992 | 1950000 | 0 | 4458992 | 0 | 0 | 49563 | 0 | 49563 | 4508555 Autres Placements | 6714311.140940001 | 67806.92825 | 139331.343127412 | 1081518 | 10954575.97844 | 13846183.679170178 | 32803727.069927588 | 56237.52557 | 56237.52557 | 0 | 0 | 0 | 32859964.59549759 Portefeuille net | 11264487.9945 | 958681.8458700001 | 2277488.01000379 | 5416947 | 19001042.77665 | 22477640.604379997 | 61396288.23140378 | 3180507.155047 | 3180507.155047 | 1447270 | 2154182 | 3601452 | 68178247.38645078 Immobilisations | 1342683.3114999998 | 184690.54838 | 254813.4312200001 | 297986 | 2153614.53765 | 1429239.08783 | 5663026.916579999 | 179157.18401 | 179157.18401 | 360539 | 47824 | 408363 | 6250547.100589999 Autres actifs | 1906335.559 | 26752.950630000003 | 52946.76710143501 | 401925 | 2047625.0796800002 | 798731.670732507 | 5234317.027143942 | 144460.95812 | 144460.95812 | 117962 | 8291 | 126253 | 5505030.985263942 40802768.61994 | 3064829.2666900004 | 4984964.205549934 | 11982488 | 52053383.62453 | 59077362.73437446 | 171965796.4510844 | 5665677.654047 | 5665677.654047 | 7089895 | 5905326 | 12995221 | 190626695.1051314 PASSIF Dépôts À vue | 22151320.728819996 | 1349236.20499 | 1369420.8002174557 | 5375280 | 13783045.50812 | 22840458.23257373 | 66868761.47472118 | 1096034.0123 | 1096034.0123 | 4815765 | 3067361 | 7883126 | 75847921.48702118 Épargne | 9774711.94249 | 538863.71576 | 1710134.427829872 | 2579050 | 18532338.469219998 | 19790756.37503003 | 52925854.930329904 | 511316.68788 | 511316.68788 | 291515 | 1522098 | 1813613 | 55250784.618209906 À terme | 4035560.5621100003 | 867767.10057 | 1003470.5567614848 | 2191768 | 9142658.78855319 | 5855784.990661667 | 23097009.99865634 | 2487107.38777 | 2487107.38777 | 430990 | 435309 | 866299 | 26450416.38642634 35961593.23342 | 2755867.0213200003 | 4083025.7848088127 | 10146098 | 41458042.76589319 | 48486999.598265424 | 142891626.4037074 | 4094458.08795 | 4094458.08795 | 5538270 | 5024768 | 10563038 | 157549122.4916574 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1476534.3979999998 | 162367.242851058 | 222978.337094883 | 313866 | 1670570.43084 | 2202766.578748968 | 6049082.987534909 | 110293.88291 | 110293.88291 | 663613 | 219650 | 883263 | 7042639.870444909 1476534.3979999998 | 162367.242851058 | 222978.337094883 | 313866 | 1670570.43084 | 2202766.578748968 | 6049082.987534909 | 110293.88291 | 110293.88291 | 963613 | 219650 | 1183263 | 7342639.870444909 Obligations à terme Banques locales | 3000 | 9510 | 200000 | 0 | 0 | 600000 | 812510 | 855000 | 855000 | 0 | 0 | 0 | 1667510 Banque à l'étranger | 0 | 0 | 0 | 0 | 2785806.59913 | 1457846.4 | 4243652.999129999 | 0 | 0 | 0 | 0 | 0 | 4243652.999129999 Autres | 3322967.8364500003 | 7297.91011 | 7049.500059999999 | 88007 | 571012.7437300002 | 372529.524392251 | 4368864.5147422515 | 62887.52165999997 | 62887.52165999997 | 115374 | 32145 | 147519 | 4579271.036402252 3325967.8364500003 | 16807.91011 | 207049.50006 | 88007 | 3356819.34286 | 2430375.924392251 | 9425027.51387225 | 917887.52166 | 917887.52166 | 115374 | 32145 | 147519 | 10490434.035532251 Autres passifs | 876997.354 | 486.15384 | 202639.537648242 | 425327 | 1800511.0100599998 | 501530.57568533707 | 3807491.631233579 | 76862.38411999997 | 76862.38411999997 | 103130 | 381529 | 484659 | 4369013.015353579 41641092.82187001 | 2935528.328121058 | 4715693.1596119385 | 10973298 | 48285943.54965319 | 53621672.677091986 | 162173228.53634816 | 5199501.876639999 | 5199501.876639999 | 6720387 | 5658092 | 12378479 | 179751209.41298816 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 448651 | 270000 | 1200000 | 2092704 | 5676355 | 150000 | 150000 | 103837 | 94373 | 198210 | 6024565 Réserves | 352614.36806 | 87983 | 34306.2 | 204148 | 1048734.60412 | 867190.37238 | 2594976.54456 | 155712.09144 | 155712.09144 | 70114 | 73658 | 143772 | 2894460.636 Surplus d'apport | 0 | 14325 | 93847.2 | 1384 | 98479.45517 | 0 | 208035.65516999998 | 0 | 0 | 0 | 0 | 0 | 208035.65516999998 BNR | 1184061.4283699999 | -138007.06144 | -307533.4 | 533658 | 1420226.01559 | 2495795.68467 | 5188200.66719 | 160463.68587 | 160463.68587 | 195557 | 79203 | 274760 | 5623424.353060001 3036675.79643 | 129300.93856000001 | 269271 | 1009190 | 3767440.07488 | 5455690.05705 | 13667567.866920002 | 466175.77731 | 466175.77731 | 369508 | 247234 | 616742 | 14750485.64423 44677768.618300006 | 3064829.2666810583 | 4984964.1596119385 | 11982488 | 52053383.62453319 | 59077362.73414198 | 175840796.40326816 | 5665677.653949999 | 5665677.653949999 | 7089895 | 5905326 | 12995221 | 194501695.05721816 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 94679.35500999998 | 743.6336419139999 | 95422.98865191398 | 0 | 0 | 0 | 0 | 0 | 95422.98865191398 Crédit documentaire | 136673.1 | 0 | 0 | 0 | 714772.20242 | 733540.5325755869 | 1584985.834995587 | 0 | 0 | 68176 | 81071 | 149247 | 1734232.834995587 Autres | 294443.174 | 219300.77508037502 | 2427.885 | 160556 | 3240235.8544799997 | 559775.16554172 | 4476738.854102095 | 609384.051119 | 609384.051119 | 5921460 | 1475592 | 7397052 | 12483174.905221093 Portefeuille brut | 11521904.2865 | 1369610.7905000001 | 2301326.761548287 | 5447996 | 19519215.03672 | 22587458.600659996 | 62747511.475928284 | 3248793.208827 | 3248793.208827 | 1447380 | 2239595 | 3686975 | 69683279.68475528 Provisions pour créances douteuses | 257416.29200000002 | 410928.94463 | 23838.751544496998 | 31049 | 518172.26006999996 | 109817.99628 | 1351223.244524497 | 68286.05378 | 68286.05378 | 109 | 85413 | 85522 | 1505031.298304497 Portefeuille de crédit improductif | 520366.733 | 512899.0795631749 | 49958 | 31942 | 504231 | 15971.1625 | 1635367.975063175 | 303585.96731 | 303585.96731 | 511 | 148481 | 148992 | 2087945.942373175 Dépôts US convertis | 14356274.529310001 | 1895744.64459 | 2497761.247505975 | 6623756 | 25516968.38644 | 30680322.285385784 | 81570827.09323177 | 3332456.9353400003 | 3332456.9353400003 | 2092611 | 2652874 | 4745485 | 89648769.02857177 0 [bilsysbansept. 13] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2012 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 2410499.579 | 89844.40615 | 261204.223705525 | 262872 | 2485735.59716 | 555451.0860375811 | 6065606.892053106 | 36750.556450000004 | 36750.556450000004 | 46964 | 81028 | 127992 | 6230349.448503106 Avoirs à la BRH | 11856301.23 | 864757.19239 | 1733403.6355144237 | 3182205 | 12867870.89488 | 16257943.865496946 | 46762481.81828137 | 353908.72057 | 353908.72057 | 3013016 | 1971725 | 4984741 | 52101131.538851365 Avoirs à l'étranger | 574334.456 | 385690.28788 | 149180.221001732 | 458335 | 714411.31927 | 2217638.96345149 | 4499590.247603222 | 6961.83256 | 6961.83256 | 320233 | 1397046 | 1717279 | 6223831.080163222 Avoirs dans les banques locales | 0 | 0 | 130753.69359616199 | 24221 | 8831.42344 | 1270.5630431491086 | 165076.6800793111 | 997789.80197 | 997789.80197 | 0 | 0 | 0 | 1162866.482049311 Autres liquidités | 149676.73500000002 | 87589.63105 | 28840.075408088 | 331133 | 57832.09333999999 | 467816.45581607 | 1122887.990614158 | 20958.6642 | 20958.6642 | 219096 | 85020 | 304116 | 1447962.654814158 14990812 | 1427881.5174699998 | 2303381.849225931 | 4258766 | 16134681.32809 | 19500120.933845237 | 58615643.62863117 | 1416369.57575 | 1416369.57575 | 3599309 | 3534819 | 7134128 | 67166141.20438117 Bons B.R.H. | 5670000 | 0 | 0 | 174985 | 100000 | 0 | 5944985 | 0 | 0 | 0 | 0 | 0 | 5944985 Autres Placements | 8798760.895 | 25129.35252 | 25084.971210718002 | 583114 | 9048258.631849999 | 12033161.468905982 | 30513509.319486696 | 38460.3438 | 38460.3438 | 0 | 0 | 0 | 30551969.663286697 Portefeuille net | 10111946.507410001 | 1091817.40771 | 1419069.286724146 | 4719462 | 18747203.52186 | 20039270.12309 | 56128768.84679414 | 2524913.23962 | 2524913.23962 | 1310583 | 2201715 | 3512298 | 62165980.08641414 Immobilisations | 1183593.36181 | 137790.47558 | 236486.56621999992 | 302775 | 1581024.9465 | 1357648.0557 | 4799318.40581 | 167200.65615999998 | 167200.65615999998 | 373087 | 75578 | 448665 | 5415184.06197 Autres actifs | 1807622.1949999998 | 32499.57982 | 63790.76399575801 | 282824 | 1631675.7269400002 | 715835.007043196 | 4534247.2727989545 | 82821.41431000001 | 82821.41431000001 | 53979 | 16719 | 70698 | 4687766.687108954 42562734.95922 | 2715118.3330999995 | 4047813.4373765527 | 10321926 | 47242844.15524001 | 53646035.588584416 | 160536472.47352096 | 4229765.22964 | 4229765.22964 | 5336958 | 5828831 | 11165789 | 175932026.70316097 PASSIF Dépôts À vue | 22266681.601000004 | 952502.66349 | 1177082.3591220009 | 4446288 | 13845301.64338 | 21798549.035225436 | 64486405.30221744 | 910346.6678 | 910346.6678 | 3290279 | 2773264 | 6063543 | 71460294.97001743 Épargne | 8632062.582 | 527358.9653 | 1742798.0918011959 | 2405891 | 17470828.427980002 | 19035126.141294427 | 49814065.208375625 | 488685.90922000003 | 488685.90922000003 | 309228 | 1388451 | 1697679 | 52000430.11759563 À terme | 4044380.7950699995 | 842477.4556100001 | 639978.886855155 | 1894697 | 7343675.414534109 | 4879139.448648186 | 19644349.00071745 | 1400777.17731 | 1400777.17731 | 592756 | 547339 | 1140095 | 22185221.17802745 34943124.978070006 | 2322339.0844 | 3559859.337778352 | 8746876 | 38659805.48589411 | 45712814.62516805 | 133944819.5113105 | 2799809.75433 | 2799809.75433 | 4192263 | 4709054 | 8901317 | 145645946.2656405 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 200000 | 0 | 200000 | 200000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1423045.72368 | 168355.297808629 | 154021.349027561 | 348826 | 1474113.02044 | 1057912.385934923 | 4626273.776891113 | 89149.11387599996 | 89149.11387599996 | 609196 | 172132 | 781328 | 5496750.890767113 1423045.72368 | 168355.297808629 | 154021.349027561 | 348826 | 1474113.02044 | 1057912.385934923 | 4626273.776891113 | 89149.11387599996 | 89149.11387599996 | 809196 | 172132 | 981328 | 5696750.890767113 Obligations à terme Banques locales | 3000 | 19020 | 0 | 0 | 0 | 850000 | 872020 | 855000 | 855000 | 0 | 0 | 0 | 1727020 Banque à l'étranger | 0 | 0 | 0 | 0 | 1126307.73368 | 656143.5 | 1782451.23368 | 0 | 0 | 0 | 0 | 0 | 1782451.23368 Autres | 2674300.647 | 9931.00229 | 5422.854179999999 | 53979 | 733642.83087 | 285187.136862401 | 3762463.4712024005 | 14804.963039999944 | 14804.963039999944 | 56041 | 64486 | 120527 | 3897795.4342424003 2677300.647 | 28951.00229 | 5422.854179999999 | 53979 | 1859950.56455 | 1791330.636862401 | 6416934.7048824 | 869804.96304 | 869804.96304 | 56041 | 64486 | 120527 | 7407266.6679224 Autres passifs | 835185.005 | 0 | 174889.35611522602 | 299498 | 1773645.17747 | 340031.091375324 | 3423248.62996055 | 28056.70559 | 28056.70559 | 41645 | 625199 | 666844 | 4118149.33555055 39878656.353750005 | 2519645.3844986293 | 3894192.897101139 | 9449179 | 43767514.2483541 | 48902088.73934069 | 148411276.62304455 | 3786820.5368359997 | 3786820.5368359997 | 5099145 | 5570871 | 10670016 | 162868113.15988055 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 450000 | 270000 | 1050000 | 2093492 | 5528492 | 150000 | 150000 | 103837 | 94373 | 198210 | 5876702 Réserves | 333055.05027 | 12977 | 21734.10495 | 171108 | 1307064.6 | 302924.09751 | 2148862.8527300004 | 139049.84042000002 | 139049.84042000002 | 79683 | 73899 | 153582 | 2441494.6931500006 Surplus d'apport | 0 | 14325 | 110320.3655 | 1387 | 98479.5 | 0 | 224511.8655 | 0 | 0 | 0 | 0 | 0 | 224511.8655 BNR | 851023.5551400001 | 3170.94859 | -428433.93017 | 430252 | 1019785.9 | 2347530.75592 | 4223329.22948 | 153894.85228 | 153894.85228 | 54293 | 89688 | 143981 | 4521205.08176 2684078.6054100003 | 195472.94858999999 | 153620.54028000002 | 872747 | 3475330 | 4743946.853429999 | 12125195.94771 | 442944.6927 | 442944.6927 | 237813 | 257960 | 495773 | 13063913.64041 42562734.95916001 | 2715118.3330886294 | 4047813.437381139 | 10321926 | 47242844.2483541 | 53646035.592770696 | 160536472.5707546 | 4229765.229536 | 4229765.229536 | 5336958 | 5828831 | 11165789 | 175932026.80029058 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 94567 | 474.61716518500003 | 95041.617165185 | 0 | 0 | 0 | 0 | 0 | 95041.617165185 Crédit documentaire | 131228.7 | 0 | 0 | 0 | 656038.4 | 571276.0047675719 | 1358543.1047675721 | 0 | 0 | 34241 | 3467 | 37708 | 1396251.1047675721 Autres | 12513.599 | 180466.19122378898 | 2335.6139985 | 221270 | 3213217.7 | 520711.4670551411 | 4150514.5712774303 | 944447.68732 | 944447.68732 | 2960372 | 354237 | 3314609 | 8409571.25859743 0 Portefeuille brut | 10260466.46941 | 1422764.27502 | 1434132.415562616 | 4747381 | 19055477.5 | 20138504.26199 | 57058725.921982616 | 2596651.3525900003 | 2596651.3525900003 | 1336713 | 2286119 | 3622832 | 63278209.27457262 Provisions pour créances douteuses | 148519.962 | 330946.86731 | 15063.128838470002 | 27919 | 308274 | 99234.13889999999 | 929957.09704847 | 71738.11297 | 71738.11297 | 26130 | 84404 | 110534 | 1112229.21001847 Portefeuille de crédit improductif | 216873.18099999998 | 483458.14644 | 214879 | 32678 | 161197 | 37153.131 | 1146238.45844 | 180904.13843 | 180904.13843 | 28583 | 184987 | 213570 | 1540712.59687 Dépôts US convertis | 7797930 | 671682.6 | 1249080.2000000002 | 2777183 | 17897710.200000003 | 16869755.7 | 47263341.7 | 2253304 | 2253304 | 2279642 | 833814 | 3113456 | 52630101.7 [bilsysbansept. 12 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2011 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1370114.043 | 96412.01367 | 209436.958434238 | 218417 | 2498599.17418 | 529917.705687048 | 4922896.894971286 | 15353.20853 | 15353.20853 | 42194 | 81129 | 123323 | 5061573.103501286 Avoirs à la BRH | 18834806.552 | 766794.2219 | 1113552.778932362 | 2755816 | 10043893.1533 | 16212771.642809624 | 49727634.34894199 | 312908.24065000005 | 312908.24065000005 | 2536514 | 1637353 | 4173867 | 54214409.58959199 Avoirs à l'étranger | 1198118.509 | 56353.20409 | 158639.735013642 | 687504 | 972058.23866 | 3641525.8499604375 | 6714199.536724079 | 1050.91609 | 1050.91609 | 395584 | 1020107 | 1415691 | 8130941.45281408 Avoirs dans les banques locales | 0 | 0 | 76348.91644467601 | 15305 | 2406.21458 | 59111.892658244265 | 153172.02368292026 | 1596205.0412599999 | 1596205.0412599999 | 0 | 0 | 0 | 1749377.06494292 Autres liquidités | 264043.619 | 28482.354420000003 | 34882.693079198 | 268085 | 407643.55497999996 | 782101.1513286759 | 1785238.3728078739 | 36795.10037 | 36795.10037 | 245856 | 59929 | 305785 | 2127818.473177874 21667082.723 | 948041.79408 | 1592861.0819041163 | 3945127 | 13924600.3357 | 21225428.24244403 | 63303141.17712815 | 1962312.5069 | 1962312.5069 | 3220148 | 2798518 | 6018666 | 71284119.68402815 Bons B.R.H. | 3397881 | 0 | 0 | 80000 | 599999.605 | 1791680.1 | 5869560.705 | 0 | 0 | 399899 | 0 | 399899 | 6269459.705 Autres Placements | 7262705.038590001 | 24297.35108 | 24215.426527732005 | 652046 | 11469064.330850001 | 10857402.07829904 | 30289730.225346774 | 28992.930800000002 | 28992.930800000002 | 0 | 0 | 0 | 30318723.156146772 Portefeuille net | 6347999.1491 | 871518.50167 | 1384144.9737510919 | 4108729 | 16211855.77159 | 17174851.66467 | 46099099.06078109 | 2089734.9150224 | 2089734.9150224 | 1584777 | 2086555 | 3671332 | 51860165.975803494 Immobilisations | 1109657.26255 | 129549.13488 | 213238.20509 | 296962 | 1420379.1239800001 | 1322498.0337099999 | 4492283.76021 | 154237.68187000003 | 154237.68187000003 | 247807 | 54511 | 302318 | 4948839.44208 Autres actifs | 1820978.734 | 127775.67998000002 | 60051.489842443996 | 344886 | 2230529.631 | 1081183.8865861301 | 5665405.421408573 | 75513.69421 | 75513.69421 | 123299 | 10179 | 133478 | 5874397.1156185735 41606303.90724 | 2101182.4616900003 | 3274511.1771153845 | 9427750 | 45856428.79812 | 53453044.0057092 | 155719220.3498746 | 4310791.728802401 | 4310791.728802401 | 5575930 | 4949763 | 10525693 | 170555705.078677 PASSIF Dépôts À vue | 25592452.41 | 742741.99014 | 902954.3588698499 | 3966588 | 15369480.80241 | 23902240.379860204 | 70476457.94128005 | 840457.01093 | 840457.01093 | 3135559 | 2216716 | 5352275 | 76669189.95221005 Épargne | 7973275.461000001 | 482950.52103 | 1709736.717832484 | 2387708 | 17580604.56353 | 18102263.584215958 | 48236538.84760845 | 429145.14979000005 | 429145.14979000005 | 429570 | 1290146 | 1719716 | 50385399.99739844 À terme | 3051012.0819800003 | 606813.83676 | 615245.1466297801 | 1560473 | 5649320.537453178 | 4465893.249784335 | 15948757.852607295 | 2002074.14769 | 2002074.14769 | 1171474 | 661199 | 1832673 | 19783505.000297293 36616739.95298 | 1832506.3479300002 | 3227936.223332114 | 7914769 | 38599405.90339318 | 46470397.2138605 | 134661754.6414958 | 3271676.30841 | 3271676.30841 | 4736603 | 4168061 | 8904664 | 146838094.9499058 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 200000 | 0 | 200000 | 200000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1216512.3 | 108975.199220276 | 122885.84126214201 | 268674 | 1956972.72036 | 661118.1145989479 | 4335138.175441366 | 102852.65009 | 102852.65009 | 231908 | 160285 | 392193 | 4830183.825531365 1216512.3 | 108975.199220276 | 122885.84126214201 | 268674 | 1956972.72036 | 661118.1145989479 | 4335138.175441366 | 102852.65009 | 102852.65009 | 431908 | 160285 | 592193 | 5030183.825531365 Obligations à terme Banques locales | 3000 | 28530 | 0 | 0 | 0 | 650000 | 681530 | 500000 | 500000 | 0 | 0 | 0 | 1181530 Banque à l'étranger | 0 | 0 | 0 | 0 | 634833 | 0 | 634833 | 0 | 0 | 0 | 0 | 0 | 634833 Autres | 1302768.9079999998 | 124234.22892 | 7564.83929765 | 255237 | 275111.09762 | 846520.293628382 | 2811436.3674660316 | 10784.995340000023 | 10784.995340000023 | 80230 | 53924 | 134154 | 2956375.3628060315 1305768.9079999998 | 152764.22892 | 7564.83929765 | 255237 | 909944.09762 | 1496520.293628382 | 4127799.3674660316 | 510784.99534 | 510784.99534 | 80230 | 53924 | 134154 | 4772738.3628060315 Autres passifs | 275889.672 | 0 | 143634.70773921005 | 241876 | 1399117.24767 | 473583.12652092794 | 2534100.753930138 | 5585.566539999999 | 5585.566539999999 | 94203 | 363592 | 457795 | 2997481.320470138 39414910.83297999 | 2094245.776070276 | 3502021.6116311164 | 8680556 | 42865439.96904319 | 49101618.748608746 | 145658792.9383333 | 3890899.52038 | 3890899.52038 | 5342944 | 4745862 | 10088806 | 159638498.4587133 AVOIR DES ACTIONNAIRES Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2093492 | 3768694.375 | 150000 | 150000 | 103837 | 94373 | 198210 | 4116904.375 Réserves | 186951.353 | 46655 | 24498.97294 | 147921 | 1179291.5603800002 | 105578.7695 | 1690896.65582 | 130984.99542 | 130984.99542 | 79683 | 71875 | 151558 | 1973439.65124 Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002 BNR | 1504441.724 | -59043.31439 | -507532.50594 | 327886 | 963217.813250001 | 2152354.49075 | 4381324.207670001 | 138907.21292000002 | 138907.21292000002 | 49466 | 37653 | 87119 | 4607350.420590001 2191393.077 | 6936.68561 | -227510.43452 | 747194 | 2990988.828800001 | 4351425.26025 | 10060427.417140001 | 419892.20834 | 419892.20834 | 232986 | 203901 | 436887 | 10917206.625480002 41606303.90997999 | 2101182.461680276 | 3274511.1771111162 | 9427750 | 45856428.79784319 | 53453044.00885875 | 155719220.35547334 | 4310791.72872 | 4310791.72872 | 5575930 | 4949763 | 10525693 | 170555705.08419332 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 86017.31283 | 2136.50718429 | 88153.82001429 | 0 | 0 | 0 | 0 | 0 | 88153.82001429 Crédit documentaire | 86889.277 | 0 | 0 | 0 | 779585.4834400001 | 596824.937580654 | 1463299.6980206543 | 0 | 0 | 66592 | 3048 | 69640 | 1532939.6980206543 Autres | 46330.311 | 174516.155339206 | 150 | 162745 | 1980524.7513399995 | 362692.71921780996 | 2726958.936897015 | 1078134.40245 | 1078134.40245 | 2729812 | 293648 | 3023460 | 6828553.339347015 0 Portefeuille brut | 6541273.8451 | 1199872.87192 | 1433465.548540514 | 4137722 | 16518676.833 | 17231662.81123 | 47062673.909790516 | 2163512.5342324 | 2163512.5342324 | 1617316 | 2258806 | 3876122 | 53102308.444022916 Provisions pour créances douteuses | 193274.696 | 328354.37025 | 49320.574789422 | 28993 | 306821.06140999997 | 56811.14656 | 963574.849009422 | 73777.61921 | 73777.61921 | 32539 | 172250.6 | 204789.6 | 1242142.0682194221 Portefeuille de crédit improductif | 147203.39899999998 | 367554.87442 | 38277 | 24943 | 248992.777 | 44520.28062 | 871491.33104 | 125622.022461 | 125622.022461 | 0 | 287980 | 287980 | 1285093.353501 Dépôts US convertis | 9743029.5 | 517789.2 | 1140427 | 2395928 | 15553997.2 | 15125111.100000001 | 44476282 | 2053402.2 | 2053402.2 | 2191551 | 602463 | 2794014 | 49323698.2 [bilsysbansept. 11] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2010 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1488174.722 | 91515.90851 | 201180.01104191 | 186348 | 1766417.2985599998 | 490047.19718948804 | 4223683.137301398 | 36858.32558 | 36858.32558 | 38710 | 42212 | 80922 | 4341463.462881398 Avoirs à la BRH | 17886141.397 | 539315.11344 | 1519274.681042774 | 2367954 | 10646690.897349998 | 14203488.27244992 | 47162864.36128269 | 302769.37097000005 | 302769.37097000005 | 1922661 | 1361981 | 3284642 | 50750275.732252695 Avoirs à l'étranger | 2197690.962 | 84189.00872 | 149426.77713698402 | 790654 | 1676646.894 | 4840002.0959622385 | 9738609.73781922 | -190.6524 | -190.6524 | 717111 | 1099940 | 1817051 | 11555470.08541922 Avoirs dans les banques locales | 0 | 0 | 55838.142408726 | 25071 | 10406.72236 | 82052.4741297409 | 173368.3388984669 | 1606176.10165 | 1606176.10165 | 0 | 0 | 0 | 1779544.440548467 Autres liquidités | 217176.18000000002 | 81184.02363000001 | 15745.951939594 | 200245 | 381007.48737000005 | 422217.551286412 | 1317576.194226006 | 48984.62468 | 48984.62468 | 125904 | 42646 | 168550 | 1535110.818906006 21789183.261 | 796204.0543 | 1941465.5635699881 | 3570272 | 14481169.299639996 | 20037807.591017798 | 62616101.769527785 | 1994597.77048 | 1994597.77048 | 2804386 | 2546779 | 5351165 | 69961864.5400078 Bons B.R.H. | 3847999.5 | 170000 | 0 | 0 | 1425000 | 350000 | 5792999.5 | 0 | 0 | 384920 | 150000 | 534920 | 6327919.5 Autres Placements | 4132127.5435800003 | 23438.94866 | 23328.127456934002 | 685989 | 12500865.426439999 | 12245083.451345455 | 29610832.49748239 | 55725.620800000004 | 55725.620800000004 | 0 | 0 | 0 | 29666558.11828239 Portefeuille net | 3751142.6182700004 | 425797.31739 | 1123957.013653338 | 3304691 | 11647178.84734 | 13143530.35426 | 33396297.150913335 | 1717204.336383 | 1717204.336383 | 1759910 | 1823893 | 3583803 | 38697304.487296335 Immobilisations | 937521.8705500001 | 120710.61300000001 | 236518.38985999997 | 245121 | 1318390.42879 | 1214194.38468 | 4072456.68688 | 177948.04894 | 177948.04894 | 66814 | 48614 | 115428 | 4365832.73582 Autres actifs | 1731794.589 | 18550.0453771 | 66661.62404671001 | 266917 | 1638728.64137 | 1053823.940380842 | 4776475.840174653 | 70314.15616 | 70314.15616 | 114197 | 14838 | 129035 | 4975824.996334652 36189769.3824 | 1554700.9787271 | 3391930.71858697 | 8072990 | 43011332.64358 | 48044439.7216841 | 140265163.44497815 | 4015789.932763 | 4015789.932763 | 5130227 | 4584124 | 9714351 | 153995304.37774116 PASSIF Dépôts À vue | 21232008.13 | 554030.43226 | 937957.143328938 | 3502122 | 15232045.606699996 | 21378208.948365685 | 62836372.26065461 | 725355.0565 | 725355.0565 | 2986574 | 1913087 | 4899661 | 68461388.31715462 Épargne | 7535982.67 | 465547.87168 | 1671035.8748480282 | 2163229 | 17058001.856620006 | 17209814.976216234 | 46103612.24936427 | 408520.66936000006 | 408520.66936000006 | 340790 | 1143934 | 1484724 | 47996856.91872427 À terme | 3013854.00479 | 426649.08075 | 697635.3500488321 | 1256483 | 6078294.673244312 | 4175306.0473045562 | 15648222.156137701 | 1924144.6655100002 | 1924144.6655100002 | 809265 | 709119 | 1518384 | 19090750.8216477 31781844.804789998 | 1446227.38469 | 3306628.3682257985 | 6921834 | 38368342.136564314 | 42763329.97188647 | 124588206.66615659 | 3058020.3913700003 | 3058020.3913700003 | 4136629 | 3766140 | 7902769 | 135548996.0575266 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320000 | 0 | 320000 | 320000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1105932.159 | 85629.8444551 | 110687.06894135599 | 228641 | 1112211.23944 | 626919.9696353759 | 3270021.2814718317 | 144235.87298 | 144235.87298 | 355904 | 227942 | 583846 | 3998103.1544518317 1105932.159 | 85629.8444551 | 110687.06894135599 | 228641 | 1112211.23944 | 626919.9696353759 | 3270021.2814718317 | 144235.87298 | 144235.87298 | 675904 | 227942 | 903846 | 4318103.154451832 Obligations à terme Banques locales | 3000 | 0 | 0 | 0 | 0 | 0 | 3000 | 400000 | 400000 | 0 | 0 | 0 | 403000 Banque à l'étranger | 0 | 0 | 0 | 0 | -0.04578 | 0 | -0.04578 | 0 | 0 | 0 | 0 | 0 | -0.04578 Autres | 1154173.809 | 18750.605170000003 | 7814.75193767 | 37442 | 262627.21996 | 346949.643754244 | 1827758.029821914 | 3877.4264000000003 | 3877.4264000000003 | 79502 | 28117 | 107619 | 1939254.456221914 1157173.809 | 18750.605170000003 | 7814.75193767 | 37442 | 262627.17418000003 | 346949.643754244 | 1830757.9840419139 | 403877.4264 | 403877.4264 | 79502 | 28117 | 107619 | 2342254.410441914 Autres passifs | 278632.205 | 207.92538 | 149604.899336698 | 256606 | 670192.78408 | 553442.697620232 | 1908686.5114169302 | 3256.79684 | 3256.79684 | 23191 | 346382 | 369573 | 2281516.30825693 34323582.97779 | 1550815.7596951 | 3574735.088441523 | 7444523 | 40413373.334264316 | 44290642.282896325 | 131597672.44308726 | 3609390.48759 | 3609390.48759 | 4915226 | 4368581 | 9283807 | 144490869.93067726 AVOIR DES ACTIONNAIRES Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2000000 | 3675202.375 | 150000 | 150000 | 103837 | 94372 | 198209 | 4023411.375 Réserves | 175715.154 | 53964 | 26065.105 | 117270 | 1003392.86263 | 65043.87904 | 1441451.00067 | 129575.44542 | 129575.44542 | 70546 | 67566 | 138112 | 1709138.44609 Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002 BNR | 1190471.26348 | -69403.78114 | -464392.59516 | 239810 | 746086.9915200004 | 1688753.5638000001 | 3331325.4425000004 | 126823.99971999999 | 126823.99971999999 | 40618 | 53605 | 94223 | 3552372.4422200006 1866186.4174799998 | 3885.2188599999936 | -182804.39168 | 628467 | 2597959.30932 | 3753797.44284 | 8667490.996820001 | 406399.44513999997 | 406399.44513999997 | 215001 | 215543 | 430544 | 9504434.44196 36189769.39527 | 1554700.9785550998 | 3391930.696761523 | 8072990 | 43011332.64358432 | 48044439.72573633 | 140265163.43990725 | 4015789.93273 | 4015789.93273 | 5130227 | 4584124 | 9714351 | 153995304.37263727 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 219678.57768 | 145.10341 | 219823.68109 | 0 | 0 | 0 | 0 | 0 | 219823.68109 Crédit documentaire | 52598.229 | 0 | 0 | 0 | 661696.7755499999 | 694553.3393294401 | 1408848.34387944 | 0 | 0 | 28682 | 4817 | 33499 | 1442347.34387944 Autres | 47029.754 | 18741373.979716074 | 0 | 55341 | 2030626.4121399997 | 475139.26518574194 | 21349510.41104182 | 406029.01094 | 406029.01094 | 1397646 | 205630 | 1603276 | 23358815.42198182 Portefeuille brut | 4143937.3332700003 | 688058.56169 | 1209091.2 | 3342503 | 11928394.60496 | 13196317.68852 | 34508302.38844 | 1796790.877043 | 1796790.877043 | 1799066 | 1971431 | 3770497 | 40075590.265483 Provisions pour créances douteuses | 392794.71499999997 | 262261.2443 | 85134.2 | 37812 | 281215.75762 | 52787.33426 | 1112005.25118 | 79586.54066 | 79586.54066 | 39156 | 147538 | 186694 | 1378285.7918399998 Portefeuille de crédit improductif | 392796.287 | 315640.42819 | 85511 | 23432 | 173346 | 58416.757410000006 | 1049142.4726 | 118165.0926667 | 118165.0926667 | 0 | 313049 | 313049 | 1480356.5652667 Dépôts US convertis | 3222281 | 352143.8 | 1086868 | 1974544 | 12616073 | 11637240.2 | 30889150 | 1460963.3 | 1460963.3 | 1745698 | 491675 | 2237373 | 34587486.3 [RÉSULTsyst ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RÉSULTATS TRIMESTRIELS PAR BANQUE (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME TRIM 1 2015 (octobre - décembre 14) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 218076.92975999997 | 25934.64548 | 72251.40114999999 | 180436 | 359857.13197 | 471376.64862 | 1327932.75698 | 69161.95209 | 69161.95209 | 33688 | 46737 | 80425 | 1477519.70907 Intérêts sur Bons B.R.H. | 45895.91975 | 2340.82177 | 2800.02857 | 6974 | 24916.868690000003 | 1902 | 84829.63878000001 | 0 | 0 | 7508 | 0 | 7508 | 92337.63878000001 Autres | 85732.53676 | 805.6697899999999 | 117.145235432 | 5085 | 63264.27348 | 26487.89823 | 181492.523495432 | 10129.65929 | 10129.65929 | 84 | 465 | 549 | 192171.182785432 349705.38626999996 | 29081.137039999998 | 75168.57495543199 | 192495 | 448038.27414 | 499766.54685 | 1594254.919255432 | 79291.61138 | 79291.61138 | 41280 | 47202 | 88482 | 1762028.530635432 Dépenses d'intérêt | 22417.47796 | 3843.94223 | 9257.774949999999 | 18451 | 70347.60731 | 60857.864279999994 | 185175.66673 | 27124.07567 | 27124.07567 | 5470 | 310 | 5780 | 218079.7424 327287.90830999997 | 25237.194809999997 | 65910.80000543199 | 174044 | 377690.66683 | 438908.68257 | 1409079.252525432 | 52167.535710000004 | 52167.535710000004 | 35810 | 46892 | 82702 | 1543948.788235432 AUTRES REVENUS Commissions | 83769.66391 | 7978.23109 | 25371.921430000002 | 100544 | 228653.86205999998 | 212621.04478 | 658938.72327 | 7273.8763 | 7273.8763 | 12705 | 18096 | 30801 | 697013.59957 Gains sur change | 16188.303319999999 | 9436.23052 | 8947.73184 | 24105 | 63506.640929999994 | 73268.27791 | 195452.18452 | 5225.33381 | 5225.33381 | 40214 | 8252 | 48466 | 249143.51833000002 Autres | 15537.17414 | 1193.67922 | 8097.07821 | 3141 | 85196.71307999999 | 205909.57328 | 319075.21793 | 489.48128999999994 | 489.48128999999994 | 22 | 592 | 614 | 320178.69922 115495.14137000001 | 18608.140829999997 | 42416.73148 | 127790 | 377357.21606999997 | 491798.89597 | 1173466.12572 | 12988.6914 | 12988.6914 | 52941 | 26940 | 79881 | 1266335.81712 PRODUIT NET BANCAIRE | 442783.04968 | 43845.33563999999 | 108327.53148543199 | 301834 | 755047.8829 | 930707.57854 | 2582545.378245432 | 65156.22711000001 | 65156.22711000001 | 88751 | 73832 | 162583 | 2810284.6053554323 Dotation à la provision pour créances douteuses | 0 | 11500.41428 | 3811.94206 | 11425 | 102622.75981 | 18007.301 | 147367.41715 | 2700 | 2700 | 101 | -5602 | -5501 | 144566.41715 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 442783.04968 | 32344.92135999999 | 104515.58942543199 | 290409 | 652425.12309 | 912700.27754 | 2435177.961095432 | 62456.22711000001 | 62456.22711000001 | 88650 | 79434 | 168084 | 2665718.188205432 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 145709.69511 | 19056.09821 | 43286.63074 | 72682 | 232265.14973999996 | 214622.43433000002 | 727622.00813 | 13550.577140000001 | 13550.577140000001 | 22095 | 18420 | 40515 | 781687.5852699999 Frais de locaux | 23555.66481 | 1528.02721 | 20123.97472 | 20991 | 21766.02389 | 23162.942890000002 | 111127.63352 | 6274.82015 | 6274.82015 | 2683 | 5296 | 7979 | 125381.45367 Amortissement | 18150.97599 | 1765.36456 | 5796.6174 | 12415 | 49783.78977999999 | 47770.35523 | 135682.10296 | 2505.91785 | 2505.91785 | 5831 | 1295 | 7126 | 145314.02081 Autres dépenses d'exploitation | 75081.05991000001 | 11523.518199999999 | 21907.94069 | 92882 | 250803.66557999997 | 232672.22993 | 684870.41431 | 12654.64602 | 12654.64602 | 29087 | 21372 | 50459 | 747984.06033 262497.39582 | 33873.00818 | 91115.16355 | 198970 | 554618.6289899999 | 518227.96238000004 | 1659302.1589199998 | 34985.96116 | 34985.96116 | 59696 | 46383 | 106079 | 1800367.1200799998 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 180285.65386000002 | -1528.0868200000077 | 13400.425875431989 | 91439 | 97806.49410000013 | 394472.31516 | 775875.802175432 | 27470.265950000008 | 27470.265950000008 | 28954 | 33051 | 62005 | 865351.0681254324 Impôts sur le revenu | 0 | 0 | 0 | 18288 | 15170 | 52748.72184 | 86206.72184 | 7416.97181 | 7416.97181 | 9285 | 9915.3 | 19200.3 | 112823.99365 BÉNÉFICE NET (PERTE NETTE) | 180285.65386000002 | -1528.0868200000077 | 13400.425875431989 | 73151 | 82636.49410000013 | 341723.59332 | 689669.080335432 | 20053.29414000001 | 20053.29414000001 | 19669 | 23135.7 | 42804.7 | 752527.0744754324 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYTÈME TRIM 1 2014 (octobre - décembre 13) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 195519.02844999998 | 34952.16605 | 59163.60066 | 146250 | 326951.3266699999 | 344731.78703999997 | 1107567.90887 | 50478.07910999999 | 50478.07910999999 | 34865 | 46748 | 81613 | 1239658.98798 Intérêts sur Bons B.R.H. | 43480.81691 | 0 | 80.75 | 1920 | 3670.6570300000003 | 0 | 49152.22394 | 0 | 0 | 117 | 0 | 117 | 49269.22394 Autres | 51188.88692999999 | 100.10611999999999 | 81.9621034 | 948 | 54380.20631 | 13325.921040000001 | 120025.0825034 | 7570.946099999999 | 7570.946099999999 | 161 | 758 | 919 | 128515.0286034 290188.73228999996 | 35052.27217 | 59326.3127634 | 149118 | 385002.1900099999 | 358057.70807999995 | 1276745.2153134 | 58049.02520999999 | 58049.02520999999 | 35143 | 47506 | 82649 | 1417443.2405234 Dépenses d'intérêt | 19727.20205 | 2178.49497 | 2494.3072 | 10644 | 36334.19689 | 29207.84185 | 100586.04295999999 | 18492.11193 | 18492.11193 | 2930 | 841 | 3771 | 122849.15488999999 270461.53023999993 | 32873.7772 | 56832.005563399995 | 138474 | 348667.9931199999 | 328849.8662299999 | 1176159.1723534 | 39556.91327999999 | 39556.91327999999 | 32213 | 46665 | 78878 | 1294594.0856334001 AUTRES REVENUS Commissions | 87336.13321 | 5268.52816 | 22713.38098 | 87484 | 194845.97616000002 | 173822.44110999999 | 571470.45962 | 5678.45205 | 5678.45205 | 16148 | 18481 | 34629 | 611777.91167 Gains sur change | 22498.85338 | 5165.51432 | 4504.12933 | 18296 | 38325.857050000006 | 80667.80608000001 | 169458.16016000003 | 2664.29309 | 2664.29309 | 31494 | 9612 | 41106 | 213228.45325000002 Autres | 13762.081559999999 | 568.15408 | 11595.589214144002 | 1357 | 80433.7549 | 163547.70474 | 271264.28449414397 | 1684.43296 | 1684.43296 | 34 | -5767 | -5733 | 267215.717454144 123597.06815 | 11002.19656 | 38813.099524144 | 107137 | 313605.58811 | 418037.95193 | 1012192.904274144 | 10027.1781 | 10027.1781 | 47676 | 22326 | 70002 | 1092222.0823741439 PRODUIT NET BANCAIRE | 394058.59838999994 | 43875.97375999999 | 95645.105087544 | 245611 | 662273.5812299999 | 746887.8181599999 | 2188352.076627544 | 49584.09137999999 | 49584.09137999999 | 79889 | 68991 | 148880 | 2386816.1680075442 Dotation à la provision pour créances douteuses | 25263.93278 | 4124.07864 | 7042.18818 | 4936 | 77676.66572 | 12028.613389999999 | 131071.47871000001 | 2250 | 2250 | -16831 | 3699.7 | -13131.3 | 120190.17871 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 368794.66560999997 | 39751.895119999994 | 88602.916907544 | 240675 | 584596.9155099998 | 734859.20477 | 2057280.5979175442 | 47334.09137999999 | 47334.09137999999 | 96720 | 65291.3 | 162011.3 | 2266625.989297544 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 136252.80087 | 19221.12417 | 38672.52329 | 64399 | 207720.91163 | 183418.09772999998 | 649684.45769 | 12709.22114 | 12709.22114 | 22623 | 23848 | 46471 | 708864.67883 Frais de locaux | 14419.97059 | 1531.60849 | 12829.7541 | 19651 | 21317.774729999997 | 20593.86666 | 90343.97456999999 | 5353.0717 | 5353.0717 | 13874 | 5321 | 19195 | 114892.04626999999 Amortissement | 16278.63159 | 1564.3435399999998 | 6751.591409999999 | 10801 | 31251.08199 | 42312.188980000006 | 108958.83751000001 | 2746.85682 | 2746.85682 | 5973 | 1254 | 7227 | 118932.69433000001 Autres dépenses d'exploitation | 81980.85616 | 10632.44399 | 22547.11765 | 74820 | 200786.69228999998 | 201511.10470000003 | 592278.21479 | 10959.85124 | 10959.85124 | 23599 | 28944 | 52543 | 655781.06603 248932.25921000002 | 32949.520189999996 | 80800.98645 | 169671 | 461076.46063999995 | 447835.25807 | 1441265.4845599998 | 31769.000900000003 | 31769.000900000003 | 66069 | 59367 | 125436 | 1598470.4854599999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 119862.40639999995 | 6802.374929999998 | 7801.930457544004 | 71004 | 123520.4548699999 | 287023.9467 | 616015.1133575444 | 15565.090479999988 | 15565.090479999988 | 30651 | 5924.300000000003 | 36575.29999999999 | 668155.5038375442 Impôts sur le revenu | 0 | 0 | 0 | 14201 | 22855 | 32654.618780000004 | 69710.61878 | 4202.57443 | 4202.57443 | 8681 | 1973.1899999999998 | 10654.19 | 84567.38321 BÉNÉFICE NET (PERTE NETTE) | 119862.40639999995 | 6802.374929999998 | 7801.930457544004 | 56803 | 100665.4548699999 | 254369.32791999995 | 546304.4945775444 | 11362.516049999987 | 11362.516049999987 | 21970 | 3951.1100000000033 | 25921.109999999986 | 583588.1206275442 marge nette en % revenus d'intérêts | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 frais d'exploitation en % produit net bancaire | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net UNIBK | 499766.54685 | SCOTIA | 0.9934324816745053 | UNIBK | 491798.89597 | SOGEBL | 0.5369549882152468 | SOGEBK | 554618.6289899999 | UNIBK | 341723.59332 SOGEBK | 448038.27414 | BNC | 0.9358961032910945 | SOGEBK | 377357.21606999997 | UNIBK | 0.5568107258704648 | UNIBK | 518227.96238000004 | BNC | 180285.65386000002 BNC | 349705.38626999996 | CAPITALBK | 0.9041481596924595 | CAPITALBK | 127790 | BNC | 0.5928352406662976 | BNC | 262497.39582 | SOGEBK | 82636.49410000013 CAPITALBK | 192495 | UNIBK | 0.878227415052921 | BNC | 115495.14137000001 | SCOTIA | 0.6282235345107813 | CAPITALBK | 198970 | CAPITALBK | 73151 SOGEBL | 79291.61138 | BUH | 0.8768398236165976 | CBNA | 52941 | CAPITALBK | 0.6592034031951337 | BUH | 91115.16355 | SCOTIA | 23135.7 BUH | 75168.57495543199 | BPH | 0.8678200847266458 | BUH | 42416.73148 | CBNA | 0.6726234070602022 | CBNA | 59696 | SOGEBL | 20053.29414000001 SCOTIA | 47202 | CBNA | 0.8674903100775194 | SCOTIA | 26940 | SOGEBK | 0.7345476247940883 | SCOTIA | 46383 | CBNA | 19669 CBNA | 41280 | SOGEBK | 0.8429875049290583 | BPH | 18608.140829999997 | BPH | 0.772556708383314 | SOGEBL | 34985.96116 | BUH | 13400.425875431989 BPH | 29081.137039999998 | SOGEBL | 0.657919984246384 | SOGEBL | 12988.6914 | BUH | 0.8411080941344378 | BPH | 33873.00818 | BPH | -1528.0868200000077 [résultsyscumul ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RÉSULTATS CUMULATIFS PAR BANQUE (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME CUMUL 2015 (octobre - décembre 14) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 218076.92975999997 | 25934.64548 | 72251.40114999999 | 180436 | 359857.13197 | 471376.64862 | 1327932.75698 | 69161.95209 | 69161.95209 | 33688 | 46737 | 80425 | 1477519.70907 Intérêts sur Bons B.R.H. | 45895.91975 | 2340.82177 | 2800.02857 | 6974 | 24916.868690000003 | 1902 | 84829.63878000001 | 0 | 0 | 7508 | 0 | 7508 | 92337.63878000001 Autres | 85732.53676 | 805.6697899999999 | 117.145235432 | 5085 | 63264.27348 | 26487.89823 | 181492.523495432 | 10129.65929 | 10129.65929 | 84 | 465 | 549 | 192171.182785432 349705.38626999996 | 29081.137039999998 | 75168.57495543199 | 192495 | 448038.27414 | 499766.54685 | 1594254.919255432 | 79291.61138 | 79291.61138 | 41280 | 47202 | 88482 | 1762028.530635432 Dépenses d'intérêt | 22417.47796 | 3843.94223 | 9257.774949999999 | 18451 | 70347.60731 | 60857.864279999994 | 185175.66673 | 27124.07567 | 27124.07567 | 5470 | 310 | 5780 | 218079.7424 327287.90830999997 | 25237.194809999997 | 65910.80000543199 | 174044 | 377690.66683 | 438908.68257 | 1409079.252525432 | 52167.535710000004 | 52167.535710000004 | 35810 | 46892 | 82702 | 1543948.788235432 AUTRES REVENUS Commissions | 83769.66391 | 7978.23109 | 25371.921430000002 | 100544 | 228653.86205999998 | 212621.04478 | 658938.72327 | 7273.8763 | 7273.8763 | 12705 | 18096 | 30801 | 697013.59957 Gains sur change | 16188.303319999999 | 9436.23052 | 8947.73184 | 24105 | 63506.640929999994 | 73268.27791 | 195452.18452 | 5225.33381 | 5225.33381 | 40214 | 8252 | 48466 | 249143.51833000002 Autres | 15537.17414 | 1193.67922 | 8097.07821 | 3141 | 85196.71307999999 | 205909.57328 | 319075.21793 | 489.48128999999994 | 489.48128999999994 | 22 | 592 | 614 | 320178.69922 115495.14137000001 | 18608.140829999997 | 42416.73148 | 127790 | 377357.21606999997 | 491798.89597 | 1173466.12572 | 12988.6914 | 12988.6914 | 52941 | 26940 | 79881 | 1266335.81712 PRODUIT NET BANCAIRE | 442783.04968 | 43845.33563999999 | 108327.53148543199 | 301834 | 755047.8829 | 930707.57854 | 2582545.378245432 | 65156.22711000001 | 65156.22711000001 | 88751 | 73832 | 162583 | 2810284.6053554323 Dotation à la provision pour créances douteuses | 0 | 11500.41428 | 3811.94206 | 11425 | 102622.75981 | 18007.301 | 147367.41715 | 2700 | 2700 | 101 | -5602 | -5501 | 144566.41715 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 442783.04968 | 32344.92135999999 | 104515.58942543199 | 290409 | 652425.12309 | 912700.27754 | 2435177.961095432 | 62456.22711000001 | 62456.22711000001 | 88650 | 79434 | 168084 | 2665718.188205432 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 145709.69511 | 19056.09821 | 43286.63074 | 72682 | 232265.14973999996 | 214622.43433000002 | 727622.00813 | 13550.577140000001 | 13550.577140000001 | 22095 | 18420 | 40515 | 781687.5852699999 Frais de locaux | 23555.66481 | 1528.02721 | 20123.97472 | 20991 | 21766.02389 | 23162.942890000002 | 111127.63352 | 6274.82015 | 6274.82015 | 2683 | 5296 | 7979 | 125381.45367 Amortissement | 18150.97599 | 1765.36456 | 5796.6174 | 12415 | 49783.78977999999 | 47770.35523 | 135682.10296 | 2505.91785 | 2505.91785 | 5831 | 1295 | 7126 | 145314.02081 Autres dépenses d'exploitation | 75081.05991000001 | 11523.518199999999 | 21907.94069 | 92882 | 250803.66557999997 | 232672.22993 | 684870.41431 | 12654.64602 | 12654.64602 | 29087 | 21372 | 50459 | 747984.06033 262497.39582 | 33873.00818 | 91115.16355 | 198970 | 554618.6289899999 | 518227.96238000004 | 1659302.1589199998 | 34985.96116 | 34985.96116 | 59696 | 46383 | 106079 | 1800367.1200799998 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 180285.65386000002 | -1528.0868200000077 | 13400.425875431989 | 91439 | 97806.49410000013 | 394472.31516 | 775875.802175432 | 27470.265950000008 | 27470.265950000008 | 28954 | 33051 | 62005 | 865351.0681254324 Impôts sur le revenu | 0 | 0 | 0 | 18288 | 15170 | 52748.72184 | 86206.72184 | 7416.97181 | 7416.97181 | 9285 | 9915.3 | 19200.3 | 112823.99365 BÉNÉFICE NET (PERTE NETTE) | 180285.65386000002 | -1528.0868200000077 | 13400.425875431989 | 73151 | 82636.49410000013 | 341723.59332 | 689669.080335432 | 20053.29414000001 | 20053.29414000001 | 19669 | 23135.7 | 42804.7 | 752527.0744754324 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME CUMUL 2014 (octobre - décembre 13) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 195519.02844999998 | 34952.16605 | 59163.60066 | 146250 | 326951.3266699999 | 344731.78703999997 | 1107567.90887 | 50478.07910999999 | 50478.07910999999 | 34865 | 46748 | 81613 | 1239658.98798 Intérêts sur Bons B.R.H. | 43480.81691 | 0 | 80.75 | 1920 | 3670.6570300000003 | 0 | 49152.22394 | 0 | 0 | 117 | 0 | 117 | 49269.22394 Autres | 51188.88692999999 | 100.10611999999999 | 81.9621034 | 948 | 54380.20631 | 13325.921040000001 | 120025.0825034 | 7570.946099999999 | 7570.946099999999 | 161 | 758 | 919 | 128515.0286034 290188.73228999996 | 35052.27217 | 59326.3127634 | 149118 | 385002.1900099999 | 358057.70807999995 | 1276745.2153134 | 58049.02520999999 | 58049.02520999999 | 35143 | 47506 | 82649 | 1417443.2405234 Dépenses d'intérêt | 19727.20205 | 2178.49497 | 2494.3072 | 10644 | 36334.19689 | 29207.84185 | 100586.04295999999 | 18492.11193 | 18492.11193 | 2930 | 841 | 3771 | 122849.15488999999 270461.53023999993 | 32873.7772 | 56832.005563399995 | 138474 | 348667.9931199999 | 328849.8662299999 | 1176159.1723534 | 39556.91327999999 | 39556.91327999999 | 32213 | 46665 | 78878 | 1294594.0856334001 AUTRES REVENUS Commissions | 87336.13321 | 5268.52816 | 22713.38098 | 87484 | 194845.97616000002 | 173822.44110999999 | 571470.45962 | 5678.45205 | 5678.45205 | 16148 | 18481 | 34629 | 611777.91167 Gains sur change | 22498.85338 | 5165.51432 | 4504.12933 | 18296 | 38325.857050000006 | 80667.80608000001 | 169458.16016000003 | 2664.29309 | 2664.29309 | 31494 | 9612 | 41106 | 213228.45325000002 Autres | 13762.081559999999 | 568.15408 | 11595.589214144002 | 1357 | 80433.7549 | 163547.70474 | 271264.28449414397 | 1684.43296 | 1684.43296 | 34 | -5767 | -5733 | 267215.717454144 123597.06815 | 11002.19656 | 38813.099524144 | 107137 | 313605.58811 | 418037.95193 | 1012192.904274144 | 10027.1781 | 10027.1781 | 47676 | 22326 | 70002 | 1092222.0823741439 PRODUIT NET BANCAIRE | 394058.59838999994 | 43875.97375999999 | 95645.105087544 | 245611 | 662273.5812299999 | 746887.8181599999 | 2188352.076627544 | 49584.09137999999 | 49584.09137999999 | 79889 | 68991 | 148880 | 2386816.1680075442 Dotation à la provision pour créances douteuses | 25263.93278 | 4124.07864 | 7042.18818 | 4936 | 77676.66572 | 12028.613389999999 | 131071.47871000001 | 2250 | 2250 | -16831 | 3699.7 | -13131.3 | 120190.17871 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 368794.66560999997 | 39751.895119999994 | 88602.916907544 | 240675 | 584596.9155099998 | 734859.20477 | 2057280.5979175442 | 47334.09137999999 | 47334.09137999999 | 96720 | 65291.3 | 162011.3 | 2266625.989297544 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 136252.80087 | 19221.12417 | 38672.52329 | 64399 | 207720.91163 | 183418.09772999998 | 649684.45769 | 12709.22114 | 12709.22114 | 22623 | 23848 | 46471 | 708864.67883 Frais de locaux | 14419.97059 | 1531.60849 | 12829.7541 | 19651 | 21317.774729999997 | 20593.86666 | 90343.97456999999 | 5353.0717 | 5353.0717 | 13874 | 5321 | 19195 | 114892.04626999999 Amortissement | 16278.63159 | 1564.3435399999998 | 6751.591409999999 | 10801 | 31251.08199 | 42312.188980000006 | 108958.83751000001 | 2746.85682 | 2746.85682 | 5973 | 1254 | 7227 | 118932.69433000001 Autres dépenses d'exploitation | 81980.85616 | 10632.44399 | 22547.11765 | 74820 | 200786.69228999998 | 201511.10470000003 | 592278.21479 | 10959.85124 | 10959.85124 | 23599 | 28944 | 52543 | 655781.06603 248932.25921000002 | 32949.520189999996 | 80800.98645 | 169671 | 461076.46063999995 | 447835.25807 | 1441265.4845599998 | 31769.000900000003 | 31769.000900000003 | 66069 | 59367 | 125436 | 1598470.4854599999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 119862.40639999995 | 6802.374929999998 | 7801.930457544004 | 71004 | 123520.4548699999 | 287023.9467 | 616015.1133575444 | 15565.090479999988 | 15565.090479999988 | 30651 | 5924.300000000003 | 36575.29999999999 | 668155.5038375442 Impôts sur le revenu | 0 | 0 | 0 | 14201 | 22855 | 32654.618780000004 | 69710.61878 | 4202.57443 | 4202.57443 | 8681 | 1973.1899999999998 | 10654.19 | 84567.38321 BÉNÉFICE NET (PERTE NETTE) | 119862.40639999995 | 6802.374929999998 | 7801.930457544004 | 56803 | 100665.4548699999 | 254369.32791999995 | 546304.4945775444 | 11362.516049999987 | 11362.516049999987 | 21970 | 3951.1100000000033 | 25921.109999999986 | 583588.1206275442 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 42887715.97807 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04006584700094191 | 44677768.61994 | 0.04969214649261717 | 42562734.95922 | 0.022987647595718436 | 41606303.90724 | 0.1496703244390997 | 36189769.3824 Bons B.R.H. | 3810000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6323907455012854 | 2334000 | -0.5883597883597883 | 5670000 | 0.6686870434838654 | 3397881 | -0.1169746773615745 | 3847999.5 Prêts nets | 10524694.186369998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0656748720839521 | 11264487.9945 | 0.11397820253948342 | 10111946.507410001 | 0.5929344459417015 | 6347999.1491 | 0.6922841371538283 | 3751142.6182700004 Dépôts | 33876000.77137 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05799499617585924 | 35961593.23342 | 0.029146456019293505 | 34943124.978070006 | -0.045706280161999686 | 36616739.95298 | 0.15212758031784576 | 31781844.804789998 Avoir des Actionnaires | 3191363.1577500002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05093970238833361 | 3036675.79643 | 0.13136619408586195 | 2684078.6054100003 | 0.2248275462677298 | 2191393.077 | 0.17426268698233385 | 1866186.4174799998 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 327287.90830999997 | 0.21010891278909022 | 270461.53023999993 | 0 | 0 | 240616.69733999998 | 0 | 0 | 290168.82502 | 0 | 0 | 312779.62216 | 327287.90830999997 | 0.21010891278909022 | 270461.53023999993 Autres revenus | 115495.14137000001 | -0.0655511243209048 | 123597.06815 | 0 | 0 | 113895.0649 | 0 | 0 | 136971.70872 | 0 | 0 | 156158.09229 | 115495.14137000001 | -0.0655511243209048 | 123597.06815 Dot. à la prov. pr créances douteuses | 0 | 0 | 25263.93278 | 0 | 0 | 5670.08966 | 0 | 0 | 29775.58679 | 0 | 0 | 61143.26451 | 0 | 0 | 25263.93278 Dépenses d'exploitation | 262497.39582 | 0.05449328525378612 | 248932.25921000002 | 0 | 0 | 248985.6151 | 0 | 0 | 256178.68637 | 0 | 0 | 358555.6231699999 | 262497.39582 | 0.05449328525378612 | 248932.25921000002 Bénéfice (perte) net | 180285.65386000002 | 0.504105075767944 | 119862.40639999995 | 0 | 0 | 99856.05747999996 | 0 | 0 | 141186.26058 | 0 | 0 | 49238.8267700001 | 180285.65386000002 | 0.504105075767944 | 119862.40639999995 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07441205680857094 | 0.06756273498718765 | 0 | 0.06508621346600958 | 0 | 0.06833493698775292 | 0 | 0.06796838540129577 | 0.07441205680857094 | 0.06756273498718765 | 0.068 | 0.0631 | 0.0527 | 0.051566684433959765 Dépôts en % de l'actif | 0.789876541541452 | 0.8117420239083275 | 0 | 0.8024438729037784 | 0 | 0.8002896215267851 | 0 | 0.8049102348717141 | 0.789876541541452 | 0.8117420239083275 | 0.8049 | 0.821 | 0.8801 | 0.8781997052527866 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.04983087713195972 | 0.0549588148735503 | 0 | 0.05442506855539557 | 0 | 0.02989262632619841 | 0 | 0.0451632577446164 | 0.04983087713195972 | 0.0549588148735503 | 0.0452 | 0.0211 | 0.0225 | 0.09478818220690674 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.5355822040631438 | 0.2996864383311242 | 0 | 0.4233703882252086 | 0 | 0.7156925102894751 | 0 | 0.49468245311523407 | 0.5355822040631438 | 0.2996864383311242 | 0.4947 | 0.6848 | 1.313 | 0.9999959979255099 Prêts improductifs nets en % de l'avoir des actionnaires | 0.07841313225111914 | 0.13674048326773747 | 0 | 0.11427944531677703 | 0 | 0.028997561164033774 | 0 | 0.08659154240605196 | 0.07841313225111914 | 0.13674048326773747 | 0.0866 | 0.0255 | -0.021 | 0 Rentabilité ROA (rendement de l'actif) | 0.016470933010890653 | 0.011387712449046601 | 0 | 0.009550026160036789 | 0 | 0.013322830045721107 | 0 | 0.004504436339437025 | 0.016470933010890653 | 0.0114 | 0.0094 | 0.0104 | 0.0103 | 0.007193721904765914 ROE ( rendement avoir des action.) | 0.2315793529056202 | 0.17442378768489986 | 0 | 0.14400119978241888 | 0 | 0.1996670519474108 | 0 | 0.06609817437266395 | 0.2315793529056202 | 0.1744 | 0.1434 | 0.179 | 0.1976 | 0.13676024002473522 Revenus nets d'intérêt en % des revenus d'intérêt | 0.9358961032910945 | 0.9320194071826137 | 0 | 0.9275181879691887 | 0 | 0.9376296541558427 | 0 | 0.9398676031109472 | 0.9358961032910945 | 0.9320194071826137 | 0.9347 | 0.9602 | 0.9442 | 0.9470581964919624 Rendement moyen des prêts | 0.0781106184265364 | 0.07721920699660453 | 0 | 0.07507806082782871 | 0 | 0.08408650949685588 | 0 | 0.07907395176079653 | 0.0781106184265364 | 0.0772 | 0.0739 | 0.0886 | 0.1159 | 0.1369337414235879 Rendement moyen des prêts productifs | 0.08199927183078884 | 0.08025498101951589 | 0 | 0.07942183742135307 | 0 | 0.08778658912110278 | 0 | 0.08220414482690334 | 0.08199927183078883 | 0.0803 | 0.0765 | 0.0905 | 0.1221 | 0.1523556814817502 Rémunération moyenne des dépôts | 0.0025679553575070108 | 0.002295673142484845 | 0 | 0.0022281779553125084 | 0 | 0.002272875097701529 | 0 | 0.002280797244357299 | 0.0025679553575070108 | 0.0023 | 0.0022 | 0.0011 | 0.0012 | 0.0011353360982382693 Dépenses d'exploitation en % du produit net bancaire | 0.5928352406662976 | 0.6317138116692779 | 0 | 0.7023338620043865 | 0 | 0.5997526952708631 | 0 | 0.7646124679703716 | 0.5928352406662976 | 0.6317138116692779 | 0.6765 | 0.6639 | 0.6595 | 0.7300181126932308 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 2720.6331777572964 | 2743.663000104438 | 0 | 2343.8794197685947 | 0 | 2709.852712069786 | 0 | 2928.572767837627 | 2720.6331777572964 | 2743.66 | 2676.4 | 2699.7 | 2395 | 2065.8762270385396 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 4685005.683 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04146263524194245 | 4498486.575 | 0.8662050863606479 | 2410499.579 | 0.7593422907497341 | 1370114.043 | -0.07933253888450337 | 1488174.722 Avoirs à la BRH | 10240683.537 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09924552658685391 | 11369006.581999999 | -0.04110005629470684 | 11856301.23 | -0.37051112273085585 | 18834806.552 | 0.05303911749009871 | 17886141.397 Avoirs à l'étranger | 459217.159 | 0 | 0 | 0 | 0 | 0 | 0 | -0.6258736650846067 | 1227438.745 | 1.137149760348002 | 574334.456 | -0.5206363546796688 | 1198118.509 | -0.45482848602623493 | 2197690.962 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 193459.598 | 0 | 0 | 0 | 0 | 0 | 0 | 0.32489593525520233 | 146018.71199999997 | -0.02443948954391639 | 149676.73500000002 | -0.43313632964559534 | 264043.619 | 0.21580377277102847 | 217176.18000000002 15578365.977 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09643230667628894 | 17240950.614 | 0.15010118291123922 | 14990812 | -0.3081296549402573 | 21667082.723 | -0.005603722569011752 | 21789183.261 Bons B.R.H. | 3810000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6323907455012854 | 2334000 | -0.5883597883597883 | 5670000 | 0.6686870434838654 | 3397881 | -0.1169746773615745 | 3847999.5 Bons du Trésor / M.E.F. | 2875000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.25806451612903225 | 3875000 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 6804854.01974 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013485058541288147 | 6714311.140940001 | -0.23690264787676088 | 8798760.895 | 0.21149913816522173 | 7262705.038590001 | 0.7576187961269282 | 4132127.5435800003 Portefeuille net | 10524694.186369998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0656748720839521 | 11264487.9945 | 0.11397820253948342 | 10111946.507410001 | 0.5929344459417015 | 6347999.1491 | 0.6922841371538283 | 3751142.6182700004 Immobilisations | 1371154.9584999997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02120503528728031 | 1342683.3114999998 | 0.13441267484528047 | 1183593.36181 | 0.0666296718412802 | 1109657.26255 | 0.1836068015128183 | 937521.8705500001 Autres actifs | 1923646.83646 | 0 | 0 | 0 | 0 | 0 | 0 | 0.009080918298078083 | 1906335.559 | 0.05460951092161162 | 1807622.1949999998 | -0.007334813279593251 | 1820978.734 | 0.05149810812811127 | 1731794.589 42887715.97807 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04006584700094191 | 44677768.61994 | 0.04969214649261717 | 42562734.95922 | 0.022987647595718436 | 41606303.90724 | 0.1496703244390997 | 36189769.3824 PASSIF Dépôts À vue | 20074139.496650003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0937723424078942 | 22151320.728819996 | -0.005180874018283286 | 22266681.601000004 | -0.12995123545489076 | 25592452.41 | 0.2053712608483257 | 21232008.13 Épargne | 9826355.452610001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00528337923652869 | 9774711.94249 | 0.13237269188394304 | 8632062.582 | 0.08262440250839834 | 7973275.461000001 | 0.05802730846778886 | 7535982.67 À terme | 3975505.82211 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01488138737499221 | 4035560.5621100003 | -0.002180861152033677 | 4044380.7950699995 | 0.32558662056996435 | 3051012.0819800003 | 0.012329089972820102 | 3013854.00479 33876000.77137 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05799499617585924 | 35961593.23342 | 0.029146456019293505 | 34943124.978070006 | -0.045706280161999686 | 36616739.95298 | 0.15212758031784576 | 31781844.804789998 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1603464.97673 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08596520264067711 | 1476534.3979999998 | 0.03758746007238468 | 1423045.72368 | 0.16977503941390482 | 1216512.3 | 0.099988177484583 | 1105932.159 1603464.97673 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08596520264067711 | 1476534.3979999998 | 0.03758746007238468 | 1423045.72368 | 0.16977503941390482 | 1216512.3 | 0.099988177484583 | 1105932.159 Obligations à terme Banques locales | 3000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3000 | 0 | 3000 | 0 | 3000 | 0 | 3000 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3357144.62518 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010285019420022884 | 3322967.8364500003 | 0.2425558211555862 | 2674300.647 | 1.0527820633250793 | 1302768.9079999998 | 0.12874585945486478 | 1154173.809 3360144.62518 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010275742403594185 | 3325967.8364500003 | 0.24228402969119384 | 2677300.647 | 1.0503632998129255 | 1305768.9079999998 | 0.12841208282134559 | 1157173.809 Autres passifs | 856742.446 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0230957458510189 | 876997.354 | 0.050063577231011284 | 835185.005 | 2.027242734189774 | 275889.672 | -0.009842842825724311 | 278632.205 39696352.81928 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04670242471563152 | 41641092.82187001 | 0.04419498120714064 | 39878656.353750005 | 0.011765738167850412 | 39414910.83297999 | 0.148333227870892 | 34323582.97779 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1500000 | 0 | 1500000 | 2 | 500000 | 0 | 500000 Réserves | 327016.25258000003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07259521391835135 | 352614.36806 | 0.0587269815429723 | 333055.05027 | 0.7815064984846619 | 186951.353 | 0.06394553198297281 | 175715.154 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 1364346.9051700002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1522602396128928 | 1184061.4283699999 | 0.39133802022108827 | 851023.5551400001 | -0.4343260084031011 | 1504441.724 | 0.26373627835601654 | 1190471.26348 3191363.1577500002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05093970238833361 | 3036675.79643 | 0.13136619408586195 | 2684078.6054100003 | 0.2248275462677298 | 2191393.077 | 0.17426268698233385 | 1866186.4174799998 42887715.97703 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04006584698898322 | 44677768.618300006 | 0.049692146455565536 | 42562734.95916001 | 0.02298764752690756 | 41606303.90997999 | 0.14967032410595948 | 36189769.39527 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 140243.1 | 0 | 0 | 0 | 136673.1 | 131228.7 | 86889.277 | 52598.229 Autres | 290995.48600000003 | 0 | 0 | 0 | 294443.174 | 12513.599 | 46330.311 | 47029.754 Portefeuille brut | 10813284.87502 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06150193525824341 | 11521904.2865 | 0.12294156614134275 | 10260466.46941 | 0.5685731422322289 | 6541273.8451 | 0.5785165940089759 | 4143937.3332700003 Provisions pour créances douteuses | 288590.68865 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12110498682033695 | 257416.29200000002 | 0.7332100583219918 | 148519.962 | -0.23156023486902805 | 193274.696 | -0.5079498561990581 | 392794.71499999997 Portefeuille de crédit improductif | 538835.47 | 0 | 0 | 0 | 0 | 0 | 0 | 0.035491771146715416 | 520366.733 | 1.3994056369745416 | 216873.18099999998 | 0.47328922071969287 | 147203.39899999998 | -0.6252423867743944 | 392796.287 0 [bnccomp ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 4685005.683 | 0.1092388712281999 | 0 | 0 | 0 | 0 | 0 | 0 | 4498486.575 | 0.10068736004403529 | 2410499.579 | 0.056634038703329004 | 1370114.043 | 0.03293044357063362 | 1488174.722 | 0.041121420428938606 Avoirs à la BRH | 10240683.537 | 0.23877894412088588 | 0 | 0 | 0 | 0 | 0 | 0 | 11369006.581999999 | 0.2544667500902436 | 11856301.23 | 0.2785606056885137 | 18834806.552 | 0.4526911737700045 | 17886141.397 | 0.49423198053587164 Avoirs à l'étranger | 459217.159 | 0.010707428654741462 | 0 | 0 | 0 | 0 | 0 | 0 | 1227438.745 | 0.027473143420421085 | 574334.456 | 0.013493833433172904 | 1198118.509 | 0.028796561974626947 | 2197690.962 | 0.06072685732749633 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 193459.598 | 0.004510839376452752 | 0 | 0 | 0 | 0 | 0 | 0 | 146018.71199999997 | 0.0032682633110470696 | 149676.73500000002 | 0.0035166145959231133 | 264043.619 | 0.006346240694407205 | 217176.18000000002 | 0.006001037964768526 15578365.977 | 0.36323608338027996 | 0 | 0 | 0 | 0 | 0 | 0 | 17240950.614 | 0.3858955168657471 | 14990812 | 0.3522050924209387 | 21667082.723 | 0.5207644200096723 | 21789183.261 | 0.6020812962570751 Bons B.R.H. | 3810000 | 0.08883662636518548 | 0 | 0 | 0 | 0 | 0 | 0 | 2334000 | 0.05224074684334883 | 5670000 | 0.13321512363884774 | 3397881 | 0.08166745615220888 | 3847999.5 | 0.1063283785906461 Bons du Trésor / M.E.F. | 2875000 | 0.0670355120209733 | 0 | 0 | 0 | 0 | 0 | 0 | 3875000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 6804854.01974 | 0.1586667385882606 | 0 | 0 | 0 | 0 | 0 | 0 | 6714311.140940001 | 0.15028304564752495 | 8798760.895 | 0.20672451860601124 | 7262705.038590001 | 0.1745578039035138 | 4132127.5435800003 | 0.11417943839093815 Portefeuille net | 10524694.186369998 | 0.24540113518173 | 0 | 0 | 0 | 0 | 0 | 0 | 11264487.9945 | 0.25212736317078693 | 10111946.507410001 | 0.2375774610606769 | 6347999.1491 | 0.15257301305236515 | 3751142.6182700004 | 0.10365201774660317 Immobilisations | 1371154.9584999997 | 0.03197080859239787 | 0 | 0 | 0 | 0 | 0 | 0 | 1342683.3114999998 | 0.030052604527361085 | 1183593.36181 | 0.02780820741298741 | 1109657.26255 | 0.026670411892965724 | 937521.8705500001 | 0.02590571552539212 Autres actifs | 1923646.83646 | 0.04485309587117273 | 0 | 0 | 0 | 0 | 0 | 0 | 1906335.559 | 0.04266854898722917 | 1807622.1949999998 | 0.04246959686053798 | 1820978.734 | 0.04376689498927415 | 1731794.589 | 0.0478531534893454 42887715.97807 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 44677768.61994 | 1 | 42562734.95922 | 1 | 41606303.90724 | 1 | 36189769.3824 | 1 PASSIF Dépôts À vue | 20074139.496650003 | 0.46806268505682647 | 0 | 0 | 0 | 0 | 0 | 0 | 22151320.728819996 | 0.49580185880039024 | 22266681.601000004 | 0.5231496900359915 | 25592452.41 | 0.6151099714855133 | 21232008.13 | 0.5866853669514032 Épargne | 9826355.452610001 | 0.22911818054462407 | 0 | 0 | 0 | 0 | 0 | 0 | 9774711.94249 | 0.21878245589300713 | 8632062.582 | 0.2028079866171784 | 7973275.461000001 | 0.19163623567179092 | 7535982.67 | 0.20823516697138555 À terme | 3975505.82211 | 0.09269567594000147 | 0 | 0 | 0 | 0 | 0 | 0 | 4035560.5621100003 | 0.09032592017831664 | 4044380.7950699995 | 0.0950216380348909 | 3051012.0819800003 | 0.07333052435472613 | 3013854.00479 | 0.08327917132999786 33876000.77137 | 0.789876541541452 | 0 | 0 | 0 | 0 | 0 | 0 | 35961593.23342 | 0.8049102348717141 | 34943124.978070006 | 0.8209793146880608 | 36616739.95298 | 0.8800767315120303 | 31781844.804789998 | 0.8781997052527866 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1603464.97673 | 0.03738751155575429 | 0 | 0 | 0 | 0 | 0 | 0 | 1476534.3979999998 | 0.03304852600317672 | 1423045.72368 | 0.03343407619466751 | 1216512.3 | 0.02923865341925535 | 1105932.159 | 0.03055924859078662 1603464.97673 | 0.03738751155575429 | 0 | 0 | 0 | 0 | 0 | 0 | 1476534.3979999998 | 0.03304852600317672 | 1423045.72368 | 0.03343407619466751 | 1216512.3 | 0.02923865341925535 | 1105932.159 | 0.03055924859078662 Obligations à terme Banques locales | 3000 | 6.995009950014606e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 3000 | 6.714748951587254e-05 | 3000 | 7.048419240150675e-05 | 3000 | 7.21044581775014e-05 | 3000 | 8.289635582643353e-05 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3357144.62518 | 0.07827753352257384 | 0 | 0 | 0 | 0 | 0 | 0 | 3322967.8364500003 | 0.07437631598653602 | 2674300.647 | 0.06283197378087399 | 1302768.9079999998 | 0.03131181541394505 | 1154173.809 | 0.031892267585471375 3360144.62518 | 0.07834748362207399 | 0 | 0 | 0 | 0 | 0 | 0 | 3325967.8364500003 | 0.07444346347605188 | 2677300.647 | 0.0629024579732755 | 1305768.9079999998 | 0.03138391987212255 | 1157173.809 | 0.03197516394129781 Autres passifs | 856742.446 | 0.0199764064478995 | 0 | 0 | 0 | 0 | 0 | 0 | 876997.354 | 0.01962939021105432 | 835185.005 | 0.019622446861091127 | 275889.672 | 0.0066309584387761935 | 278632.205 | 0.007699198136794591 39696352.81928 | 0.9255879431671797 | 0 | 0 | 0 | 0 | 0 | 0 | 41641092.82187001 | 0.9320316145619971 | 39878656.353750005 | 0.936938295717095 | 39414910.83297999 | 0.9473302632421843 | 34323582.97779 | 0.9484333159216656 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 0.034975049750073026 | 0 | 0 | 0 | 0 | 0 | 0 | 1500000 | 0.033573744757936265 | 1500000 | 0.03524209620075337 | 500000 | 0.012017409696250234 | 500000 | 0.01381605930440559 Réserves | 327016.25258000003 | 0.007624939802045298 | 0 | 0 | 0 | 0 | 0 | 0 | 352614.36806 | 0.00789238986081829 | 333055.05027 | 0.007825038747841394 | 186951.353 | 0.0044933420045386 | 175715.154 | 0.004855381976693522 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 1364346.9051700002 | 0.031812067256452616 | 0 | 0 | 0 | 0 | 0 | 0 | 1184061.4283699999 | 0.026502250782541207 | 851023.5551400001 | 0.019994569332900683 | 1504441.724 | 0.036158985122882036 | 1190471.26348 | 0.03289524315286066 3191363.1577500002 | 0.07441205680857094 | 0 | 0 | 0 | 0 | 0 | 0 | 3036675.79643 | 0.06796838540129577 | 2684078.6054100003 | 0.06306170428149546 | 2191393.077 | 0.05266973682367087 | 1866186.4174799998 | 0.051566684433959765 42887715.97703 | 0.9999999999757507 | 0 | 0 | 0 | 0 | 0 | 0 | 44677768.618300006 | 0.9999999999632929 | 42562734.95916001 | 0.9999999999985905 | 41606303.90997999 | 1.000000000065855 | 36189769.39527 | 1.0000000003556253 [bncgdes&$ ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 3813260.429 | 871745.254 | 4685005.683 | 0.8139286666901573 | 3587786.311 | 910700.264 | 4498486.575 | 0.7975540776177598 Avoirs à la BRH | 3608369.849 | 6632313.688 | 10240683.537 | 0.352356347695231 | 4479008.85 | 6889997.732 | 11369006.581999999 | 0.3939665983738103 Avoirs à l'étranger | 459217.159 | 0 | 459217.159 | 1 | 1227438.745 | 0 | 1227438.745 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 34875.704 | 158583.894 | 193459.598 | 0.18027383681423756 | 66077.311 | 79941.401 | 146018.712 | 0.4525263241604268 7915723.141 | 7662642.836 | 15578365.977 | 0.5081228129244636 | 9360311.217 | 7880639.396999999 | 17240950.614 | 0.5429115497494227 Bons B.R.H. | 0 | 3810000 | 3810000 | 0 | 0 | 2334000 | 2334000 | 0 Bons du Trésor / M.E.F. | 0 | 2875000 | 2875000 | 0 | 0 | 3875000 | 3875000 Autres Placements | 5577770.087739999 | 1227083.932 | 6804854.019739999 | 0.8196752011960303 | 5241932.896939999 | 1472378.2440000009 | 6714311.14094 | 0.7807104536722633 Portefeuille net | 3568587.9669999997 | 6956106.219369999 | 10524694.186369998 | 0.3390680910825417 | 3516846.407 | 7747641.5875 | 11264487.9945 | 0.31220650319101373 Immobilisations | 0 | 1371154.9584999997 | 1371154.9584999997 | 0 | 0 | 1342683.3114999998 | 1342683.3114999998 | 0 Autres actifs | 80605.08346 | 1843041.753 | 1923646.83646 | 0.041902225466881375 | 72505.258 | 1833830.301 | 1906335.559 | 0.03803383809198515 17142686.2792 | 25745029.698869996 | 42887715.97806999 | 0.39971087030994285 | 18191595.778940003 | 26486172.841 | 44677768.61994 | 0.4071733289477883 PASSIF Dépôts À vue | 9935669.936 | 10138469.56065 | 20074139.496650003 | 0.4949487342985774 | 11291816.684 | 10859504.044819998 | 22151320.728819996 | 0.509758168473845 Épargne | 3354500.251 | 6471855.20161 | 9826355.452610001 | 0.34137786559603883 | 3175856.791 | 6598855.15149 | 9774711.94249 | 0.3249054099686324 À terme | 1066104.34231 | 2909401.4798000003 | 3975505.82211 | 0.2681682256332768 | 996071.81204 | 3039488.75007 | 4035560.5621100003 | 0.24682365602244907 14356274.529310001 | 19519726.242060002 | 33876000.77137 | 0.4237889420950503 | 15463745.28704 | 20497847.946379997 | 35961593.23342 | 0.4300072354043858 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 293675.86573 | 1309789.111 | 1603464.97673 | 0.18315078283088107 | 282560.29000000004 | 1193974.108 | 1476534.398 | 0.1913672247546244 293675.86573 | 1309789.111 | 1603464.97673 | 0.18315078283088107 | 282560.29000000004 | 1193974.108 | 1476534.398 | 0.1913672247546244 Obligations à terme Banques locales | 0 | 3000 | 3000 | 0 | 0 | 3000 | 3000 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2493528.306 | 863616.31918 | 3357144.62518 | 0.7427527212552854 | 2446577.0190000003 | 876390.8174500001 | 3322967.8364500003 | 0.7362626240805666 2493528.306 | 866616.31918 | 3360144.62518 | 0.742089577726561 | 2446577.0190000003 | 879390.8174500001 | 3325967.8364500003 | 0.7355985202825578 Autres passifs | 0 | 856742.446 | 856742.446 | 0 | 0 | 876997.354 | 876997.354 | 0 17143478.70104 | 22552874.118240003 | 39696352.81928 | 0.431865334810145 | 18192882.596040003 | 23448210.225829996 | 41641092.82187 | 0.4368973377779619 AVOIR DES ACTIONNAIRES Capital versé | 0 | 1500000 | 1500000 | 0 | 0 | 1500000 | 1500000 | 0 Réserves | 0 | 327016.25258000003 | 327016.25258000003 | 0 | 0 | 352614.3 | 352614.3 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 1364346.9051700002 | 1364346.9051700002 | 0 | 0 | 1184061.5 | 1184061.5 | 0 0 | 3191363.1577500002 | 3191363.1577500002 | 0 | 0 | 3036675.8 | 3036675.8 | 0 17143478.70104 | 25744237.27599 | 42887715.97703 | 0.39972934698182067 | 18192882.596040003 | 26484886.025829997 | 44677768.621869996 | 0.40720213110944165 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [bncrésult ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 218076.92975999997 | 0 | 0 | 0 | 0 | 0 | 0 | 195519.02844999998 | -0.042346464769373156 | 187239.4888 | 0.11870055377976443 | 209464.91981 | 0.014284168693803289 | 212456.95206 Intérêts sur bons B.R.H. | 45895.91975 | 0 | 0 | 0 | 0 | 0 | 0 | 43480.81691 | -0.33089720760722485 | 29093.13601 | -0.31958679727081096 | 19795.35385 | 0.40197595457481544 | 27752.610109999998 Autres | 85732.53676 | 0 | 0 | 0 | 0 | 0 | 0 | 51188.88692999999 | -0.15826849841604856 | 43087.29866 | 0.8615773811427888 | 80210.3406 | 0.15423508886084944 | 92581.58961 349705.38626999996 | 0 | 0 | 0 | 0 | 0 | 0 | 290188.73228999996 | -0.10603033610984999 | 259419.92346999998 | 0.19293310290328575 | 309470.61426 | 0.07535622590779295 | 332791.15178 Dépenses d'intérêt | 22417.47796 | 0 | 0 | 0 | 0 | 0 | 0 | 19727.20205 | -0.04683765683841602 | 18803.226130000003 | 0.026514764357620128 | 19301.78924 | 0.03677070406142341 | 20011.529620000005 327287.90830999997 | 0 | 0 | 0 | 0 | 0 | 0 | 270461.53023999993 | -0.11034779280260852 | 240616.69733999998 | 0.20593802602976086 | 290168.82502 | 0.07792290277372692 | 312779.62216 AUTRES REVENUS Commissions | 83769.66391 | 0 | 0 | 0 | 0 | 0 | 0 | 87336.13321 | -0.02520906329464005 | 85134.4711 | 0.1601918387909032 | 98772.31857 | 0.35000230490185186 | 133342.85773 Gains sur change | 16188.303319999999 | 0 | 0 | 0 | 0 | 0 | 0 | 22498.85338 | -0.07799352839731251 | 20744.08842 | 0.15867706323631262 | 24035.69945 | -0.586641648990997 | 9935.35709 Autres | 15537.17414 | 0 | 0 | 0 | 0 | 0 | 0 | 13762.081559999999 | -0.4174932516531314 | 8016.5053800000005 | 0.7668160911282266 | 14163.6907 | -0.0906411511796145 | 12879.87747 115495.14137000001 | 0 | 0 | 0 | 0 | 0 | 0 | 123597.06815 | -0.07849703391204599 | 113895.0649 | 0.20261320225122412 | 136971.70872 | 0.14007552179422067 | 156158.09229 PRODUIT NET BANCAIRE | 442783.04968 | 0 | 0 | 0 | 0 | 0 | 0 | 394058.59838999994 | -0.10035775468820114 | 354511.76223999995 | 0.20486984984952708 | 427140.53374 | 0.09785346369268234 | 468937.71445 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25263.93278 | -0.775565834924613 | 5670.08966 | 4.251343201863937 | 29775.58679 | 1.053469674375475 | 61143.26451 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 442783.04968 | 0 | 0 | 0 | 0 | 0 | 0 | 368794.66560999997 | -0.05410325823720098 | 348841.67257999995 | 0.13909827346924042 | 397364.94695 | 0.026246660834208763 | 407794.44994 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 145709.69511 | 0 | 0 | 0 | 0 | 0 | 0 | 136252.80087 | 0.038500888469845944 | 141498.65476 | -0.007514478648602572 | 140435.36614 | 0.32687151407600534 | 186339.68689999997 Frais de locaux | 23555.66481 | 0 | 0 | 0 | 0 | 0 | 0 | 14419.97059 | 0.1698408089471698 | 16869.07006 | 0.18940741360582164 | 20064.19699 | 0.025842000068999536 | 20582.69597 Amortissement | 18150.97599 | 0 | 0 | 0 | 0 | 0 | 0 | 16278.63159 | -0.005596893663713604 | 16187.521820000002 | 0.05851163572362064 | 17134.680200000003 | 0.04440218557449332 | 17895.49745 Autres dépenses d'exploitation | 75081.05991000001 | 0 | 0 | 0 | 0 | 0 | 0 | 81980.85616 | -0.09210062023826512 | 74430.36846 | 0.05527413964383323 | 78544.44304 | 0.7027015237970676 | 133737.74284999998 262497.39582 | 0 | 0 | 0 | 0 | 0 | 0 | 248932.25921000002 | 0.00021433899394680657 | 248985.6151 | 0.028889505392153136 | 256178.68637 | 0.39963096950281196 | 358555.6231699999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 180285.65386000002 | 0 | 0 | 0 | 0 | 0 | 0 | 119862.40639999995 | -0.16691095666172107 | 99856.05747999996 | 0.4138978059320839 | 141186.26058 | -0.6512491614430143 | 49238.8267700001 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 180285.65386000002 | 0 | 0 | 0 | 0 | 0 | 0 | 119862.40639999995 | -0.16691095666172107 | 99856.05747999996 | 0.4138978059320839 | 141186.26058 | -0.6512491614430143 | 49238.8267700001 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 218076.92975999997 | 0.11537445479772682 | 195519.02844999998 | 0 | 0 | 187239.4888 | 0 | 0 | 209464.91981 | 0 | 0 | 212456.95206 | 218076.92975999997 | 0.11537445479772682 | 195519.02844999998 | 804680.38912 Intérêts sur bons B.R.H. | 45895.91975 | 0.0555440999417966 | 43480.81691 | 0 | 0 | 29093.13601 | 0 | 0 | 19795.35385 | 0 | 0 | 27752.610109999998 | 45895.91975 | 0.0555440999417966 | 43480.81691 | 120121.91687999999 Autres | 85732.53676 | 0.6748271334213208 | 51188.88692999999 | 0 | 0 | 43087.29866 | 0 | 0 | 80210.3406 | 0 | 0 | 92581.58961 | 85732.53676 | 0.6748271334213208 | 51188.88692999999 | 267068.1158 349705.38626999996 | 0.20509636439130263 | 290188.73228999996 | 0 | 0 | 259419.92346999998 | 0 | 0 | 309470.61426 | 0 | 0 | 332791.15178 | 349705.38626999996 | 0.20509636439130263 | 290188.73228999996 | 1191870.4218000001 Dépenses d'intérêt | 22417.47796 | 0.1363739218152328 | 19727.20205 | 0 | 0 | 18803.226130000003 | 0 | 0 | 19301.78924 | 0 | 0 | 20011.529620000005 | 22417.47796 | 0.1363739218152328 | 19727.20205 | 77843.74704 327287.90830999997 | 0.21010891278909022 | 270461.53023999993 | 0 | 0 | 240616.69733999998 | 0 | 0 | 290168.82502 | 0 | 0 | 312779.62216 | 327287.90830999997 | 0.21010891278909022 | 270461.53023999993 | 1114026.67476 AUTRES REVENUS Commissions | 83769.66391 | -0.040836125540667234 | 87336.13321 | 0 | 0 | 85134.4711 | 0 | 0 | 98772.31857 | 0 | 0 | 133342.85773 | 83769.66391 | -0.040836125540667234 | 87336.13321 | 404585.78060999996 Gains sur change | 16188.303319999999 | -0.2804831852279932 | 22498.85338 | 0 | 0 | 20744.08842 | 0 | 0 | 24035.69945 | 0 | 0 | 9935.35709 | 16188.303319999999 | -0.2804831852279932 | 22498.85338 | 77213.99834 Autres | 15537.17414 | 0.12898430896960913 | 13762.081559999999 | 0 | 0 | 8016.5053800000005 | 0 | 0 | 14163.6907 | 0 | 0 | 12879.87747 | 15537.17414 | 0.12898430896960913 | 13762.081559999999 | 48822.15511 115495.14137000001 | -0.0655511243209048 | 123597.06815 | 0 | 0 | 113895.0649 | 0 | 0 | 136971.70872 | 0 | 0 | 156158.09229 | 115495.14137000001 | -0.0655511243209048 | 123597.06815 | 530621.93406 PRODUIT NET BANCAIRE | 442783.04968 | 0.12364773028446253 | 394058.59838999994 | 0 | 0 | 354511.76223999995 | 0 | 0 | 427140.53374 | 0 | 0 | 468937.71445 | 442783.04968 | 0.12364773028446253 | 394058.59838999994 | 1644648.6088200002 Dotation à la provision pour créances douteuses | 0 | 0 | 25263.93278 | 0 | 0 | 5670.08966 | 0 | 0 | 29775.58679 | 0 | 0 | 61143.26451 | 0 | 0 | 25263.93278 | 121852.87374000001 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 442783.04968 | 0.20062216449801548 | 368794.66560999997 | 0 | 0 | 348841.67257999995 | 0 | 0 | 397364.94695 | 0 | 0 | 407794.44994 | 442783.04968 | 0.20062216449801548 | 368794.66560999997 | 1522795.7350800002 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 145709.69511 | 0.06940697130345892 | 136252.80087 | 0 | 0 | 141498.65476 | 0 | 0 | 140435.36614 | 0 | 0 | 186339.68689999997 | 145709.69511 | 0.06940697130345892 | 136252.80087 | 604526.5086699999 Frais de locaux | 23555.66481 | 0.6335445806203962 | 14419.97059 | 0 | 0 | 16869.07006 | 0 | 0 | 20064.19699 | 0 | 0 | 20582.69597 | 23555.66481 | 0.6335445806203962 | 14419.97059 | 71935.93361000001 Amortissement | 18150.97599 | 0.11501853762389852 | 16278.63159 | 0 | 0 | 16187.521820000002 | 0 | 0 | 17134.680200000003 | 0 | 0 | 17895.49745 | 18150.97599 | 0.11501853762389852 | 16278.63159 | 67496.33106 Autres dépenses d'exploitation | 75081.05991000001 | -0.0841635056425103 | 81980.85616 | 0 | 0 | 74430.36846 | 0 | 0 | 78544.44304 | 0 | 0 | 133737.74284999998 | 75081.05991000001 | -0.0841635056425103 | 81980.85616 | 368693.41050999996 262497.39582 | 0.05449328525378612 | 248932.25921000002 | 0 | 0 | 248985.6151 | 0 | 0 | 256178.68637 | 0 | 0 | 358555.6231699999 | 262497.39582 | 0.05449328525378612 | 248932.25921000002 | 1112652.1838499997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 180285.65386000002 | 0.504105075767944 | 119862.40639999995 | 0 | 0 | 99856.05747999996 | 0 | 0 | 141186.26058 | 0 | 0 | 49238.8267700001 | 180285.65386000002 | 0.504105075767944 | 119862.40639999995 | 410143.55123000056 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 180285.65386000002 | 0.504105075767944 | 119862.40639999995 | 0 | 0 | 99856.05747999996 | 0 | 0 | 141186.26058 | 0 | 0 | 49238.8267700001 | 180285.65386000002 | 0.504105075767944 | 119862.40639999995 | 410143.55123000056 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 218076.92975999997 | 0.11537445479772682 | 195519.02844999998 | 804680.38912 | 0.08128977635555211 | 744185.7 | 0.2018364919377658 | 619207.10928 | 0.06900765266806337 | 579235.43179 Intérêts sur Bons B.R.H. | 45895.91975 | 0.0555440999417966 | 43480.81691 | 120121.91687999999 | 0.23823113567650642 | 97010.9 | 2.845164949444523 | 25229.320789999998 | -0.01768417997138731 | 25683.51265 Autres | 85732.53676 | 0.6748271334213208 | 51188.88692999999 | 267068.1158 | 0.45757500530760364 | 183227.7 | 1.664697767067499 | 68761.15643 | 3.4087599773165547 | 15596.48445 349705.38626999996 | 0.20509636439130263 | 290188.73228999996 | 1191870.4218000001 | 0.16345387531318817 | 1024424.3 | 0.43638217429665976 | 713197.5865 | 0.14936317985806272 | 620515.42889 Dépenses d'intérêt | 22417.47796 | 0.1363739218152328 | 19727.20205 | 77843.74704 | 0.90777599513766 | 40803.4 | 0.02617434653559315 | 39762.63891 | 0.21038597544743845 | 32851.20591 327287.90830999997 | 0.21010891278909022 | 270461.53023999993 | 1114026.67476 | 0.13257727114175802 | 983620.9 | 0.4606026959546019 | 673434.94759 | 0.14595192502116822 | 587664.22298 AUTRES REVENUS Commissions | 83769.66391 | -0.040836125540667234 | 87336.13321 | 404585.78060999996 | 0.058264063191518445 | 382310.8 | 0.16611357452704203 | 327850.39841 | 0.40460933012920824 | 233410.38065 Gains sur change | 16188.303319999999 | -0.2804831852279932 | 22498.85338 | 77213.99834 | 0.4050890366512537 | 54953.1 | -0.2926700299986573 | 77690.89722 | 0.39459376502336446 | 55708.62223 Autres | 15537.17414 | 0.12898430896960913 | 13762.081559999999 | 48822.15511 | -0.3094364119718808 | 70699 | -0.5079045421329886 | 143669.27975000002 | 0.013942221327723912 | 141693.75407 115495.14137000001 | -0.0655511243209048 | 123597.06815 | 530621.93406 | 0.04460765551972405 | 507962.89999999997 | -0.07510357088710597 | 549210.57538 | 0.2748243094475991 | 430812.75694999995 PRODUIT NET BANCAIRE | 442783.04968 | 0.12364773028446253 | 394058.59838999994 | 1644648.6088200002 | 0.10261898045554003 | 1491583.8 | 0.2199642267340956 | 1222645.52297 | 0.20046456332673585 | 1018476.9799299999 Dotation à la provision pour créances douteuses | 0 | 0 | 25263.93278 | 121852.87374000001 | 0.8746595960000002 | 65000 | 3.1816366632284647 | 15544.15298 | -0.5597065358054404 | 35304.073860000004 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 442783.04968 | 0.20062216449801548 | 368794.66560999997 | 1522795.7350800002 | 0.0674421895720393 | 1426583.8 | 0.18182601351187122 | 1207101.36999 | 0.22776101999708367 | 983172.9060699999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 145709.69511 | 0.06940697130345892 | 136252.80087 | 604526.5086699999 | 0.06495164181213146 | 567656.3 | 0.16631374888174008 | 486709.7730299999 | 0.08608826624269564 | 448130.95597999997 Frais de locaux | 23555.66481 | 0.6335445806203962 | 14419.97059 | 71935.93361000001 | 0.4445024600500404 | 49799.8 | 0.25842906946315336 | 39572.98922 | -0.03525162581726802 | 41018.97477 Amortissement | 18150.97599 | 0.11501853762389852 | 16278.63159 | 67496.33106 | 0.11531000793152445 | 60518 | 0.18375737667496062 | 51123.65185 | 0.23218137760318183 | 41490.36236 Autres dépenses d'exploitation | 75081.05991000001 | -0.0841635056425103 | 81980.85616 | 368693.41050999996 | 0.18087054970874844 | 312221.7 | 0.3641041880720258 | 228884.05646 | 0.07524771712437904 | 212866.34960000002 262497.39582 | 0.05449328525378612 | 248932.25921000002 | 1112652.1838499997 | 0.12366885806827259 | 990195.8 | 0.22808818428955355 | 806290.4705599999 | 0.08444286068670447 | 743506.64271 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 180285.65386000002 | 0.504105075767944 | 119862.40639999995 | 410143.55123000056 | -0.06014017060505659 | 436388 | 0.08876280715069047 | 400810.8994300001 | 0.6723709620654734 | 239666.26335999987 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 180285.65386000002 | 0.504105075767944 | 119862.40639999995 | 410143.55123000056 | -0.06014017060505659 | 436388 | 0.08876280715069047 | 400810.8994300001 | 0.6723709620654734 | 239666.26335999987 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 3198879.30448 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04373817466666678 | 3064829.2666900004 | 0.1288013598990055 | 2715118.3330999995 | 0.292185891803135 | 2101182.4616900003 | 0.3515026300493668 | 1554700.9787271 Bons B.R.H. | 223000 | 0 | 0 | 0 | 0 | 0 | 0 | 1.23 | 100000 | 0 | 0 | 0 | 0 | 0 | 170000 Prêts nets | 858993.53526 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10398476933662312 | 958681.8458700001 | -0.12193940204639263 | 1091817.40771 | 0.25277593719222724 | 871518.50167 | 1.046791903274842 | 425797.31739 Dépôts | 2877905.6299900003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04428319934375721 | 2755867.0213200003 | 0.1866772771608443 | 2322339.0844 | 0.26730206802465656 | 1832506.3479300002 | 0.2670942116911992 | 1446227.38469 Avoir des Actionnaires | 127762.48477000001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01189824147553349 | 129300.93856000001 | -0.3385225961306505 | 195472.94858999999 | 27.179588867081435 | 6936.68561 | 0.7854040814575918 | 3885.2188599999936 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 25237.194809999997 | -0.23230012004826753 | 32873.7772 | 0 | 0 | 24143.6619 | 0 | 0 | 27162.28939 | 0 | 0 | 21769.40166 | 25237.194809999997 | -0.23230012004826753 | 32873.7772 Autres revenus | 18608.140829999997 | 0.6913114329962485 | 11002.19656 | 0 | 0 | 12453.89266 | 0 | 0 | 8816.011269999999 | 0 | 0 | 20101.714330000003 | 18608.140829999997 | 0.6913114329962485 | 11002.19656 Dot. à la prov. pr créances douteuses | 11500.41428 | 1.788602081554876 | 4124.07864 | 0 | 0 | 13007.77253 | 0 | 0 | 11905.99405 | 0 | 0 | 8806.73218 | 11500.41428 | 1.788602081554876 | 4124.07864 Dépenses d'exploitation | 33873.00818 | 0.028027357748301146 | 32949.520189999996 | 0 | 0 | 30551.348469999997 | 0 | 0 | 31704.77711 | 0 | 0 | 30803.37182 | 33873.00818 | 0.028027357748301146 | 32949.520189999996 Bénéfice (perte) net | -1528.0868200000077 | -1.224640193421389 | 6802.374929999998 | 0 | 0 | -6961.566440000002 | 0 | 0 | -7632.470499999999 | 0 | 0 | 2261.0119900000063 | -1528.0868200000077 | -1.224640193421389 | 6802.374929999998 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.03993976408896387 | 0.06987351784593303 | 0 | 0.04418573445791735 | 0 | 0.038863119571471115 | 0 | 0.04218862693765788 | 0.03993976408896387 | 0.06987351784593303 | 0.0422 | 0.072 | 0.0033 | 0.0024990135808501185 Dépôts en % de l'actif | 0.8996605861182448 | 0.8662815810350329 | 0 | 0.8680410699758865 | 0 | 0.8724826119511965 | 0 | 0.8991910418214983 | 0.8996605861182448 | 0.8662815810350329 | 0.8992 | 0.8553 | 0.8721 | 0.9302286449154281 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.4214990426151619 | 0.265203961110005 | 0 | 0.31478098996230286 | 0 | 0.32612986204396305 | 0 | 0.3744852794098769 | 0.4214990426151619 | 0.265203961110005 | 0.3745 | 0.3398 | 0.3063 | 0.4587406447130435 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.7821049285679624 | 0.8820343312270964 | 0 | 0.8827609582159821 | 0 | 0.8823734460123144 | 0 | 0.8011886957956316 | 0.7821049285679624 | 0.8820343312270964 | 0.8012 | 0.6845 | 0.8933 | 0.8308860997430014 Prêts improductifs nets en % de l'avoir des actionnaires | 0.9211558806144916 | 0.2211696638111108 | 0 | 0.39601902281196266 | 0 | 0.4338774935791825 | 0 | 0.7886264095898836 | 0.9211558806144916 | 0.2211696638111108 | 0.7886 | 0.7802 | 5.6512 | 13.739041689404358 Rentabilité ROA (rendement de l'actif) | -0.001951670391605816 | 0.00970036237782878 | 0 | -0.00937151040711154 | 0 | -0.00966628366366608 | 0 | 0.002855833419768662 | -0.001951670391605816 | 0.0097 | -0.0019 | 0.0129 | 0.0139 | 0.013343949342911986 ROE (rendement avoir des action.) | -0.0475551690771147 | 0.1368176887755292 | 0 | -0.1652853779774771 | 0 | -0.23330870763270256 | 0 | 0.07056267018068657 | -0.0475551690771147 | 0.1368 | -0.0341 | 0.307 | 4.7069 | 0.7968048827680545 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8678200847266458 | 0.9378501068508621 | 0 | 0.8849406075636684 | 0 | 0.9194533205715755 | 0 | 0.8858420671691244 | 0.8678200847266458 | 0.9378501068508621 | 0.9098 | 0.9369 | 0.9583 | 0.9585947036806736 Rendement moyen des prêts | 0.07826274145053977 | 0.09801663881842673 | 0 | 0.07374185322572759 | 0 | 0.07688779144000053 | 0 | 0.06465529767455018 | 0.07826274145053977 | 0.098 | 0.0801 | 0.0966 | 0.126 | 0.1356268137295043 Rendement moyen des prêts productifs | 0.12983421517045293 | 0.14050721769351976 | 0 | 0.10387979225175298 | 0 | 0.11314333844997787 | 0 | 0.09942812841778843 | 0.12983421517045296 | 0.1405 | 0.1245 | 0.143 | 0.1975 | 0.24032906586922684 Rémunération moyenne des dépôts | 0.005458427193161488 | 0.0036081845241800036 | 0 | 0.004873067972453534 | 0 | 0.0034625018131110514 | 0 | 0.004002059735976259 | 0.005458427193161488 | 0.0036 | 0.0041 | 0.004 | 0.003 | 0.0029093426087123285 Dépenses d'exploitation en % du produit net bancaire | 0.772556708383314 | 0.7509695481684964 | 0 | 0.8347920738778455 | 0 | 0.8812194163814072 | 0 | 0.7356711444556842 | 0.772556708383314 | 0.7509695481684964 | 0.7959 | 0.6582 | 0.6404 | 0.7583064646693262 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1131.492532645161 | 1235.9429228169013 | 0 | 1023.7078198601398 | 0 | 975.6827297627119 | 0 | 1091.103999739414 | 1131.492532645161 | 1235.94 | 1069.75 | 1295.89 | 1179.46 | 1041.9257682071714 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 158344.90801 | 0 | 0 | 0 | 0 | 0 | 0 | 1.3312991431918935 | 67921.31695 | -0.24401173249894093 | 89844.40615 | -0.06812021935855087 | 96412.01367 | 0.05350004430612199 | 91515.90851 Avoirs à la BRH | 1474128.99155 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5264898363107156 | 965698.53037 | 0.1167279542376748 | 864757.19239 | 0.1277565319249049 | 766794.2219 | 0.4217925713392929 | 539315.11344 Avoirs à l'étranger | 58764.29432 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9061328129406336 | 626036.59661 | 0.6231588304986799 | 385690.28788 | 5.844158980987588 | 56353.20409 | -0.3306346642300743 | 84189.00872 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 28204.022360000003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5805503893826514 | 67240.54963 | -0.2323229493726701 | 87589.63105 | 2.0752243918605093 | 28482.354420000003 | -0.6491630600891418 | 81184.02363000001 1719442.21624 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0043168627589258105 | 1726896.99356 | 0.20941196621118294 | 1427881.5174699998 | 0.506137731887281 | 948041.79408 | 0.19070204297501536 | 796204.0543 Bons B.R.H. | 223000 | 0 | 0 | 0 | 0 | 0 | 0 | 1.23 | 100000 | 0 | 0 | 0 | 0 | 0 | 170000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 66410.10613000003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020599991122588097 | 67806.92825 | 1.6983157722043845 | 25129.35252 | 0.03424247512663425 | 24297.35108 | 0.036622906276718735 | 23438.94866 Portefeuille net | 858993.53526 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10398476933662312 | 958681.8458700001 | -0.12193940204639263 | 1091817.40771 | 0.25277593719222724 | 871518.50167 | 1.046791903274842 | 425797.31739 Immobilisations | 305443.18224 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6538105762269545 | 184690.54838 | 0.34037238497497024 | 137790.47558 | 0.06361555951441797 | 129549.13488 | 0.07322075218025763 | 120710.61300000001 Autres actifs | 25590.26461 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04346010412384948 | 26752.950630000003 | -0.17682164575135717 | 32499.57982 | -0.7456512864960925 | 127775.67998000002 | 5.888159968478507 | 18550.0453771 3198879.30448 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04373817466666678 | 3064829.2666900004 | 0.1288013598990055 | 2715118.3330999995 | 0.292185891803135 | 2101182.4616900003 | 0.3515026300493668 | 1554700.9787271 PASSIF Dépôts à vue | 1426485.50697 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05725409805510854 | 1349236.20499 | 0.4165169890930864 | 952502.66349 | 0.2824139151072662 | 742741.99014 | 0.3406158703416491 | 554030.43226 Épargne | 579932.58106 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07621382568332224 | 538863.71576 | 0.021815786242403736 | 527358.9653 | 0.09195236848546948 | 482950.52103 | 0.03738100936258161 | 465547.87168 À terme | 871487.5419600001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0042873731760010815 | 867767.10057 | 0.030018185996073747 | 842477.4556100001 | 0.38836230252806025 | 606813.83676 | 0.4222785519502141 | 426649.08075 2877905.6299900003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04428319934375721 | 2755867.0213200003 | 0.1866772771608443 | 2322339.0844 | 0.26730206802465656 | 1832506.3479300002 | 0.2670942116911992 | 1446227.38469 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 180382.068251307 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1109511074027062 | 162367.242851058 | -0.03556796272831093 | 168355.297808629 | 0.5448955268099633 | 108975.199220276 | 0.27263105420467204 | 85629.8444551 180382.068251307 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1109511074027062 | 162367.242851058 | -0.03556796272831093 | 168355.297808629 | 0.5448955268099633 | 108975.199220276 | 0.27263105420467204 | 85629.8444551 Obligations à terme Banques locales | 7132.5 | 0 | 0 | 0 | 0 | 0 | 0 | -0.25 | 9510 | -0.5 | 19020 | -0.3333333333333333 | 28530 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4534.22936 | 0 | 0 | 0 | 0 | 0 | 0 | -0.37869481924873966 | 7297.91011 | -0.2651386137179111 | 9931.00229 | -0.9200622696632582 | 124234.22892 | 5.625611695923731 | 18750.605170000003 11666.729360000001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.30587864382623114 | 16807.91011 | -0.4194359856133326 | 28951.00229 | -0.8104857236888804 | 152764.22892 | 7.147162586752926 | 18750.605170000003 Autres passifs | 1162.39207 | 0 | 0 | 0 | 0 | 0 | 0 | 1.3909963767847646 | 486.15384 | 0 | 0 | 0 | 0 | -1 | 207.92538 3071116.8196713077 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04618878661512885 | 2935528.328121058 | 0.1650561409081712 | 2519645.3844986293 | 0.20312783403416457 | 2094245.776070276 | 0.3504155880399474 | 1550815.7596951 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0 | 165000 | 32 | 5000 | 0 | 5000 Réserves | 87983 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 87983 | 5.779918317022425 | 12977 | -0.7218518915443146 | 46655 | -0.1354421466162627 | 53964 Surplus d'apport | 14325 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14325 | 0 | 14325 | 0 | 14325 | 0 | 14325 BNR | -139545.51523 | 0 | 0 | 0 | 0 | 0 | 0 | -0.011147645446163335 | -138007.06144 | -44.5223270018389 | 3170.94859 | -1.0537054639083245 | -59043.31439 | -0.14927813124620787 | -69403.78114 127762.48477000001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01189824147553349 | 129300.93856000001 | -0.3385225961306505 | 195472.94858999999 | 27.179588867081435 | 6936.68561 | 0.7854040814575918 | 3885.2188599999936 3198879.3044413077 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04373817465708744 | 3064829.2666810583 | 0.12880135990043912 | 2715118.3330886294 | 0.292185891803704 | 2101182.461680276 | 0.35150263019263184 | 1554700.9785550998 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 246480.986180593 | 0 | 0 | 0 | 219300.77508037502 | 180466.19122378898 | 174516.155339206 | 18741373.979716074 Portefeuille brut | 1281422.89417 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06438901981621042 | 1369610.7905000001 | -0.03735930501857221 | 1422764.27502 | 0.18576251560995455 | 1199872.87192 | 0.7438528327776182 | 688058.56169 Provisions pour créances douteuses | 422429.35891 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027986381661080088 | 410928.94463 | 0.24167649015719575 | 330946.86731 | 0.007895424257719389 | 328354.37025 | 0.2520125538426722 | 262261.2443 Portefeuille de crédit improductif | 540118.523077805 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05306978428936202 | 512899.0795631749 | 0.06089654986676025 | 483458.14644 | 0.3153359677324232 | 367554.87442 | 0.16447337411020765 | 315640.42819 [bphcomp ] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 158344.90801 | 0.049500119553819825 | 0 | 0 | 0 | 0 | 0 | 0 | 67921.31695 | 0.02216153365807377 | 89844.40615 | 0.033090420058200454 | 96412.01367 | 0.045884646111340056 | 91515.90851 | 0.058863993631063365 Avoirs à la BRH | 1474128.99155 | 0.4608266993648358 | 0 | 0 | 0 | 0 | 0 | 0 | 965698.53037 | 0.31509048183064026 | 864757.19239 | 0.3184970547499708 | 766794.2219 | 0.36493461937772903 | 539315.11344 | 0.346893145897136 Avoirs à l'étranger | 58764.29432 | 0.018370275564226875 | 0 | 0 | 0 | 0 | 0 | 0 | 626036.59661 | 0.20426475412971903 | 385690.28788 | 0.14205284652902633 | 56353.20409 | 0.02681975750200894 | 84189.00872 | 0.05415125472483405 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 28204.022360000003 | 0.00881684479952105 | 0 | 0 | 0 | 0 | 0 | 0 | 67240.54963 | 0.02193941122946122 | 87589.63105 | 0.03225996818709338 | 28482.354420000003 | 0.013555393184222272 | 81184.02363000001 | 0.05221841675076891 1719442.21624 | 0.5375139392824035 | 0 | 0 | 0 | 0 | 0 | 0 | 1726896.99356 | 0.5634561808478943 | 1427881.5174699998 | 0.5259002895242909 | 948041.79408 | 0.4511944161753003 | 796204.0543 | 0.5121268110038023 Bons B.R.H. | 223000 | 0.06971191432189724 | 0 | 0 | 0 | 0 | 0 | 0 | 100000 | 0.03262824493580991 | 0 | 0 | 0 | 0 | 170000 | 0.1093457856694644 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 66410.10613000003 | 0.020760428827994015 | 0 | 0 | 0 | 0 | 0 | 0 | 67806.92825 | 0.02212421063285888 | 25129.35252 | 0.009255343390985262 | 24297.35108 | 0.01156365595230479 | 23438.94866 | 0.015076177979376115 Portefeuille net | 858993.53526 | 0.2685295234668553 | 0 | 0 | 0 | 0 | 0 | 0 | 958681.8458700001 | 0.31280106082560727 | 1091817.40771 | 0.4021251650064961 | 871518.50167 | 0.4147752599119972 | 425797.31739 | 0.2738773070938814 Immobilisations | 305443.18224 | 0.0954844347557064 | 0 | 0 | 0 | 0 | 0 | 0 | 184690.54838 | 0.06026128449871689 | 137790.47558 | 0.05074934447614924 | 129549.13488 | 0.061655347520749075 | 120710.61300000001 | 0.07764233421839803 Autres actifs | 25590.26461 | 0.007999759345143494 | 0 | 0 | 0 | 0 | 0 | 0 | 26752.950630000003 | 0.008729018259112702 | 32499.57982 | 0.011969857602078597 | 127775.67998000002 | 0.06081132043964848 | 18550.0453771 | 0.011931584035077738 3198879.30448 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 3064829.2666900004 | 1 | 2715118.3330999995 | 1 | 2101182.4616900003 | 1 | 1554700.9787271 | 1 PASSIF Dépôts À vue | 1426485.50697 | 0.4459328943646672 | 0 | 0 | 0 | 0 | 0 | 0 | 1349236.20499 | 0.4402320937267635 | 952502.66349 | 0.35081442008550523 | 742741.99014 | 0.35348762122381594 | 554030.43226 | 0.35635819353095693 Épargne | 579932.58106 | 0.18129242333332488 | 0 | 0 | 0 | 0 | 0 | 0 | 538863.71576 | 0.17582177304837932 | 527358.9653 | 0.19423056404981268 | 482950.52103 | 0.22984701701800733 | 465547.87168 | 0.2994452811505682 À terme | 871487.5419600001 | 0.27243526842025273 | 0 | 0 | 0 | 0 | 0 | 0 | 867767.10057 | 0.2831371750463555 | 842477.4556100001 | 0.3102912478396834 | 606813.83676 | 0.2887963553017352 | 426649.08075 | 0.274425170233903 2877905.6299900003 | 0.8996605861182448 | 0 | 0 | 0 | 0 | 0 | 0 | 2755867.0213200003 | 0.8991910418214983 | 2322339.0844 | 0.8553362319750013 | 1832506.3479300002 | 0.8721309935435586 | 1446227.38469 | 0.9302286449154281 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 180382.068251307 | 0.056389144785388944 | 0 | 0 | 0 | 0 | 0 | 0 | 162367.242851058 | 0.0529775816929645 | 168355.297808629 | 0.062006615238905084 | 108975.199220276 | 0.05186374872586089 | 85629.8444551 | 0.055078015404099644 180382.068251307 | 0.056389144785388944 | 0 | 0 | 0 | 0 | 0 | 0 | 162367.242851058 | 0.0529775816929645 | 168355.297808629 | 0.062006615238905084 | 108975.199220276 | 0.05186374872586089 | 85629.8444551 | 0.055078015404099644 Obligations à terme Banques locales | 7132.5 | 0.0022296871251162873 | 0 | 0 | 0 | 0 | 0 | 0 | 9510 | 0.0031029460933955223 | 19020 | 0.007005219539836344 | 28530 | 0.013578068787540259 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4534.22936 | 0.0014174430881621122 | 0 | 0 | 0 | 0 | 0 | 0 | 7297.91011 | 0.002381179985886034 | 9931.00229 | 0.0036576683118857774 | 124234.22892 | 0.0591258642146086 | 18750.605170000003 | 0.012060586200538655 11666.729360000001 | 0.0036471302132784 | 0 | 0 | 0 | 0 | 0 | 0 | 16807.91011 | 0.005484126079281557 | 28951.00229 | 0.010662887851722121 | 152764.22892 | 0.07270393300214886 | 18750.605170000003 | 0.012060586200538655 Autres passifs | 1162.39207 | 0.0003633747820282188 | 0 | 0 | 0 | 0 | 0 | 0 | 486.15384 | 0.0001586234656800454 | 0 | 0 | 0 | 0 | 207.92538 | 0.0001337397884513055 3071116.8196713077 | 0.9600602358989406 | 0 | 0 | 0 | 0 | 0 | 0 | 2935528.328121058 | 0.9578113730594244 | 2519645.3844986293 | 0.9280057350656286 | 2094245.776070276 | 0.9966986752715683 | 1550815.7596951 | 0.9975009863085177 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.05158056440857868 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0.05383660414408635 | 165000 | 0.06077083197018911 | 5000 | 0.0023796124759096144 | 5000 | 0.0032160525196901295 Réserves | 87983 | 0.02750431999006047 | 0 | 0 | 0 | 0 | 0 | 0 | 87983 | 0.028707308741873633 | 12977 | 0.0047795338574372365 | 46655 | 0.02220416401271261 | 53964 | 0.03471021163451163 Surplus d'apport | 14325 | 0.004478130819108421 | 0 | 0 | 0 | 0 | 0 | 0 | 14325 | 0.004673996087054769 | 14325 | 0.005276013139230054 | 14325 | 0.006817589743481046 | 14325 | 0.00921399046891222 BNR | -139545.51523 | -0.04362325112878371 | 0 | 0 | 0 | 0 | 0 | 0 | -138007.06144 | -0.04502928203535687 | 3170.94859 | 0.001167885963327261 | -59043.31439 | -0.028100041508299534 | -69403.78114 | -0.04464124104226386 127762.48477000001 | 0.03993976408896387 | 0 | 0 | 0 | 0 | 0 | 0 | 129300.93856000001 | 0.04218862693765788 | 195472.94858999999 | 0.07199426493018365 | 6936.68561 | 0.003301324723803739 | 3885.2188599999936 | 0.0024990135808501185 3198879.3044413077 | 0.9999999999879045 | 0 | 0 | 0 | 0 | 0 | 0 | 3064829.2666810583 | 0.9999999999970823 | 2715118.3330886294 | 0.9999999999958123 | 2101182.461680276 | 0.9999999999953719 | 1554700.9785550998 | 0.9999999998893677 [bphgdes&$] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 59246.61946 | 99098.28855 | 158344.90801 | 0.3741618231023784 | 23968.48 | 43952.83695 | 67921.31695 | 0.35288597271522726 Avoirs à la BRH | 1253698.06298 | 220430.92857 | 1474128.99155 | 0.8504670013048018 | 611681.09059 | 354017.43978 | 965698.53037 | 0.6334079128769504 Avoirs à l'étranger | 58764.29432 | 0 | 58764.29432 | 1 | 626036.59661 | 0 | 626036.59661 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 5627.40679 | 22576.61557 | 28204.022360000003 | 0.19952497265003585 | 8410.25666 | 58830.29297 | 67240.54963 | 0.12507715517315887 1377336.38355 | 342105.83269 | 1719442.21624 | 0.8010367376938656 | 1270096.42386 | 456800.56970000005 | 1726896.99356 | 0.735478971007816 Bons B.R.H. | 0 | 223000 | 223000 | 0 | 0 | 100000 | 100000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 26873.05839 | 39537.04774 | 66410.10613 | 0.40465314627558474 | 26188.98325 | 41617.945 | 67806.92825 | 0.3862287221365171 Portefeuille net | 493391.62723 | 365601.90803 | 858993.53526 | 0.5743833998478932 | 531722.55025 | 426959.29562000005 | 958681.8458700001 | 0.5546392189866324 Immobilisations | 0 | 305443.18224 | 305443.18224 | 0 | 0 | 184690.54838 | 184690.54838 | 0 Autres actifs | 4196.53262 | 21393.73199 | 25590.26461 | 0.16398941878702208 | 4768.82879 | 21984.121840000003 | 26752.950630000003 | 0.17825431130771682 1901797.6017899998 | 1297081.70269 | 3198879.3044799995 | 0.5945199617649064 | 1832776.7861499998 | 1232052.4805400001 | 3064829.26669 | 0.598002898911687 PASSIF Dépôts À vue | 1015654.91166 | 410830.59531 | 1426485.50697 | 0.7119980586535044 | 951029.47569 | 398206.7293 | 1349236.20499 | 0.7048650726779516 Épargne | 286974.94578 | 292957.63528 | 579932.58106 | 0.4948419094775941 | 261635.94446 | 277227.7713 | 538863.71576 | 0.4855326807279929 À terme | 593114.78715 | 278372.75481 | 871487.5419600001 | 0.6805774708105042 | 595306.64309 | 272460.45748 | 867767.10057 | 0.6860212177886992 1895744.64459 | 982160.9854000001 | 2877905.6299900003 | 0.6587236999138805 | 1807972.06324 | 947894.95808 | 2755867.0213200003 | 0.6560447399141998 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 43763.918201307 | 136618.15005 | 180382.068251307 | 0.24261789780753276 | 19650.299211058 | 142716.94363999998 | 162367.242851058 | 0.12102379067361221 43763.918201307 | 136618.15005 | 180382.068251307 | 0.24261789780753276 | 19650.299211058 | 142716.94363999998 | 162367.242851058 | 0.12102379067361221 Obligations à terme Banques locales | 0 | 7132.5 | 7132.5 | 0 | 0 | 9510 | 9510 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3669.69445 | 864.53491 | 4534.22936 | 0.8093314560514424 | 2824.5774 | 4473.33271 | 7297.91011 | 0.3870392149842471 3669.69445 | 7997.03491 | 11666.729360000001 | 0.31454354830426956 | 2824.5774 | 13983.332709999999 | 16807.910109999997 | 0.1680504822737894 Autres passifs | 0 | 1162.39207 | 1162.39207 | 0 | 0 | 486.15384 | 486.15384 | 0 1943178.2572413068 | 1127938.5624300002 | 3071116.8196713068 | 0.6327269105475707 | 1830446.939851058 | 1105081.38827 | 2935528.3281210577 | 0.6235494041451377 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 165000 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 87983 | 87983 | 0 | 0 | 87983 | 87983 | 0 Surplus d'apport | 0 | 14325 | 14325 | 0 | 0 | 14325 | 14325 | 0 BNR | 0 | -139545.51523 | -139545.51523 | 0 | 0 | -138007.1 | -138007.1 | 0 0 | 127762.48477000001 | 127762.48477000001 | 0 | 0 | 129300.9 | 129300.9 1943178.257241307 | 1255701.0472000001 | 3198879.304441307 | 0.6074559470072561 | 1830446.9398510582 | 1234382.28827 | 3064829.228121058 | 0.5972427184705631 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [BPHRÉSULT ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 25934.64548 | 0 | 0 | 0 | 0 | 0 | 0 | 34952.16605 | -0.24175535095342107 | 26502.29288 | 0.045149450857627046 | 27698.85685 | -0.18113699013538895 | 22681.56929 Intérêts sur Bons B.R.H. | 2340.82177 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 698.85713 | 1.512250822997255 | 1755.7043999999999 | -0.1000280969848911 | 1580.0846299999998 Autres | 805.6697899999999 | 0 | 0 | 0 | 0 | 0 | 0 | 100.10611999999999 | -0.18431720258461706 | 81.65484000000001 | 0.06816166684056925 | 87.22057 | 2.590407629759814 | 313.15739999999994 29081.137039999998 | 0 | 0 | 0 | 0 | 0 | 0 | 35052.27217 | -0.22165374279644015 | 27282.80485 | 0.08279856057395066 | 29541.78182 | -0.16813374800017392 | 24574.81132 Dépenses d'intérêt | 3843.94223 | 0 | 0 | 0 | 0 | 0 | 0 | 2178.49497 | 0.4409686472675216 | 3139.1429500000004 | -0.2419929681762344 | 2379.49243 | 0.17899499264219157 | 2805.4096600000003 25237.194809999997 | 0 | 0 | 0 | 0 | 0 | 0 | 32873.7772 | -0.26556471581853996 | 24143.6619 | 0.12502774030313946 | 27162.28939 | -0.19854319540478182 | 21769.40166 AUTRES REVENUS Commissions | 7978.23109 | 0 | 0 | 0 | 0 | 0 | 0 | 5268.52816 | 0.43395615066808335 | 7554.83836 | -0.28003451817068387 | 5439.22284 | 1.4179989672936435 | 13152.03521 Gains sur change | 9436.23052 | 0 | 0 | 0 | 0 | 0 | 0 | 5165.51432 | -0.1607208108562556 | 4335.30867 | -0.36950109944535975 | 2733.40735 | -0.25530933031258585 | 2035.54295 Autres | 1193.67922 | 0 | 0 | 0 | 0 | 0 | 0 | 568.15408 | -0.007759250800416704 | 563.74563 | 0.14126131673960823 | 643.38108 | 6.63798675895163 | 4914.13617 18608.140829999997 | 0 | 0 | 0 | 0 | 0 | 0 | 11002.19656 | 0.13194602478543604 | 12453.89266 | -0.29210797694477647 | 8816.011269999999 | 1.2801370953782827 | 20101.714330000003 PRODUIT NET BANCAIRE | 43845.33563999999 | 0 | 0 | 0 | 0 | 0 | 0 | 43875.97375999999 | -0.16588621462426542 | 36597.55456 | -0.016920636021862005 | 35978.30066 | 0.163788039509924 | 41871.115990000006 Dotation à la provision pour créances douteuses | 11500.41428 | 0 | 0 | 0 | 0 | 0 | 0 | 4124.07864 | 2.154103901859641 | 13007.77253 | -0.0847015488208265 | 11905.99405 | -0.2603110548337624 | 8806.73218 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 32344.92135999999 | 0 | 0 | 0 | 0 | 0 | 0 | 39751.895119999994 | -0.4065746561569214 | 23589.782029999995 | 0.020454812994302386 | 24072.30661 | 0.37354447771384575 | 33064.38381000001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 19056.09821 | 0 | 0 | 0 | 0 | 0 | 0 | 19221.12417 | -0.05104535308769089 | 18239.9751 | 0.07467046925957696 | 19601.9626 | -0.23759526303758993 | 14944.62914 Frais de locaux | 1528.02721 | 0 | 0 | 0 | 0 | 0 | 0 | 1531.60849 | -0.02303885766525108 | 1496.32198 | 0.03176561638157588 | 1543.85357 | 0.011926487302807955 | 1562.2663199999997 Amortissement | 1765.36456 | 0 | 0 | 0 | 0 | 0 | 0 | 1564.3435399999998 | 0.05141914032514898 | 1644.7807400000002 | 0.024713841189555504 | 1685.4295899999997 | 0.03426754837026467 | 1743.18513 Autres dépenses d'exploitation | 11523.518199999999 | 0 | 0 | 0 | 0 | 0 | 0 | 10632.44399 | -0.13751996637604666 | 9170.27065 | -0.032358837740519605 | 8873.531350000001 | 0.4146894550612026 | 12553.291229999999 33873.00818 | 0 | 0 | 0 | 0 | 0 | 0 | 32949.520189999996 | -0.07278320613384322 | 30551.348469999997 | 0.03775377185503334 | 31704.77711 | -0.028431213595117397 | 30803.37182 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -1528.0868200000077 | 0 | 0 | 0 | 0 | 0 | 0 | 6802.374929999998 | -2.0234023428050008 | -6961.566440000002 | -0.09637257157312958 | -7632.470499999999 | 1.2962359291136476 | 2261.0119900000063 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | -1528.0868200000077 | 0 | 0 | 0 | 0 | 0 | 0 | 6802.374929999998 | -2.0234023428050008 | -6961.566440000002 | -0.09637257157312958 | -7632.470499999999 | 1.2962359291136476 | 2261.0119900000063 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 25934.64548 | -0.257996043996249 | 34952.16605 | 0 | 0 | 26502.29288 | 0 | 0 | 27698.85685 | 0 | 0 | 22681.56929 | 25934.64548 | -0.257996043996249 | 34952.16605 | 111834.88507 Intérêts sur Bons B.R.H. | 2340.82177 | 0 | 0 | 0 | 0 | 698.85713 | 0 | 0 | 1755.7043999999999 | 0 | 0 | 1580.0846299999998 | 2340.82177 | 0 | 0 | 4034.64616 Autres | 805.6697899999999 | 7.048157195584046 | 100.10611999999999 | 0 | 0 | 81.65484000000001 | 0 | 0 | 87.22057 | 0 | 0 | 313.15739999999994 | 805.6697899999999 | 7.048157195584046 | 100.10611999999999 | 582.13893 29081.137039999998 | -0.17034944556634143 | 35052.27217 | 0 | 0 | 27282.80485 | 0 | 0 | 29541.78182 | 0 | 0 | 24574.81132 | 29081.137039999998 | -0.17034944556634143 | 35052.27217 | 116451.67016000001 Dépenses d'intérêt | 3843.94223 | 0.7644944252499237 | 2178.49497 | 0 | 0 | 3139.1429500000004 | 0 | 0 | 2379.49243 | 0 | 0 | 2805.4096600000003 | 3843.94223 | 0.7644944252499237 | 2178.49497 | 10502.54001 25237.194809999997 | -0.23230012004826753 | 32873.7772 | 0 | 0 | 24143.6619 | 0 | 0 | 27162.28939 | 0 | 0 | 21769.40166 | 25237.194809999997 | -0.23230012004826753 | 32873.7772 | 105949.13015000001 AUTRES REVENUS Commissions | 7978.23109 | 0.51431877133594 | 5268.52816 | 0 | 0 | 7554.83836 | 0 | 0 | 5439.22284 | 0 | 0 | 13152.03521 | 7978.23109 | 0.51431877133594 | 5268.52816 | 31414.62457 Gains sur change | 9436.23052 | 0.8267746318047181 | 5165.51432 | 0 | 0 | 4335.30867 | 0 | 0 | 2733.40735 | 0 | 0 | 2035.54295 | 9436.23052 | 0.8267746318047181 | 5165.51432 | 14269.773290000001 Autres | 1193.67922 | 1.1009779952649463 | 568.15408 | 0 | 0 | 563.74563 | 0 | 0 | 643.38108 | 0 | 0 | 4914.13617 | 1193.67922 | 1.1009779952649463 | 568.15408 | 6689.4169600000005 18608.140829999997 | 0.6913114329962485 | 11002.19656 | 0 | 0 | 12453.89266 | 0 | 0 | 8816.011269999999 | 0 | 0 | 20101.714330000003 | 18608.140829999997 | 0.6913114329962485 | 11002.19656 | 52373.81482 PRODUIT NET BANCAIRE | 43845.33563999999 | -0.0006982892315414508 | 43875.97375999999 | 0 | 0 | 36597.55456 | 0 | 0 | 35978.30066 | 0 | 0 | 41871.115990000006 | 43845.33563999999 | -0.0006982892315414508 | 43875.97375999999 | 158322.94497 Dotation à la provision pour créances douteuses | 11500.41428 | 1.788602081554876 | 4124.07864 | 0 | 0 | 13007.77253 | 0 | 0 | 11905.99405 | 0 | 0 | 8806.73218 | 11500.41428 | 1.788602081554876 | 4124.07864 | 37844.5774 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 32344.92135999999 | -0.1863300790475623 | 39751.895119999994 | 0 | 0 | 23589.782029999995 | 0 | 0 | 24072.30661 | 0 | 0 | 33064.38381000001 | 32344.92135999999 | -0.1863300790475623 | 39751.895119999994 | 120478.36757 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 19056.09821 | -0.008585655997039377 | 19221.12417 | 0 | 0 | 18239.9751 | 0 | 0 | 19601.9626 | 0 | 0 | 14944.62914 | 19056.09821 | -0.008585655997039377 | 19221.12417 | 72007.69101 Frais de locaux | 1528.02721 | -0.0023382476810376693 | 1531.60849 | 0 | 0 | 1496.32198 | 0 | 0 | 1543.85357 | 0 | 0 | 1562.2663199999997 | 1528.02721 | -0.0023382476810376693 | 1531.60849 | 6134.05036 Amortissement | 1765.36456 | 0.12850183790192285 | 1564.3435399999998 | 0 | 0 | 1644.7807400000002 | 0 | 0 | 1685.4295899999997 | 0 | 0 | 1743.18513 | 1765.36456 | 0.12850183790192285 | 1564.3435399999998 | 6637.739 Autres dépenses d'exploitation | 11523.518199999999 | 0.0838070918443652 | 10632.44399 | 0 | 0 | 9170.27065 | 0 | 0 | 8873.531350000001 | 0 | 0 | 12553.291229999999 | 11523.518199999999 | 0.0838070918443652 | 10632.44399 | 41229.53722 33873.00818 | 0.028027357748301146 | 32949.520189999996 | 0 | 0 | 30551.348469999997 | 0 | 0 | 31704.77711 | 0 | 0 | 30803.37182 | 33873.00818 | 0.028027357748301146 | 32949.520189999996 | 126009.01758999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -1528.0868200000077 | -1.224640193421389 | 6802.374929999998 | 0 | 0 | -6961.566440000002 | 0 | 0 | -7632.470499999999 | 0 | 0 | 2261.0119900000063 | -1528.0868200000077 | -1.224640193421389 | 6802.374929999998 | -5530.650019999986 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | -1528.0868200000077 | -1.224640193421389 | 6802.374929999998 | 0 | 0 | -6961.566440000002 | 0 | 0 | -7632.470499999999 | 0 | 0 | 2261.0119900000063 | -1528.0868200000077 | -1.224640193421389 | 6802.374929999998 | -5530.650019999986 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 25934.64548 | -0.257996043996249 | 34952.16605 | 111834.88507 | -0.11697682534544016 | 126650 | 0.06457019606920171 | 118968.2 | 0.23974874153034723 | 95961.54125 Intérêts sur bons B.R.H. | 2340.82177 | 0 | 0 | 4034.64616 | 0 | 0 | 0 | -2 | -1.0012916421055538 | 1548.4165400000002 Autres | 805.6697899999999 | 7.048157195584046 | 100.10611999999999 | 582.13893 | -0.8504652119188286 | 3893 | 3.9403553299492384 | 788 | 1.2312833973996717 | 353.15997999999996 29081.137039999998 | -0.17034944556634143 | 35052.27217 | 116451.67016000001 | -0.10794397125851245 | 130543 | 0.09009120348179858 | 119754.2 | 0.2236908319378184 | 97863.11777 Dépenses d'intérêt | 3843.94223 | 0.7644944252499237 | 2178.49497 | 10502.54001 | 0.2748431120498163 | 8238.3 | 0.6489791833466771 | 4996 | 0.2329557350456013 | 4052.0513899999996 25237.194809999997 | -0.23230012004826753 | 32873.7772 | 105949.13015000001 | -0.13372805664868143 | 122304.7 | 0.06576000669233223 | 114758.2 | 0.22329064606460763 | 93811.06638 AUTRES REVENUS Commissions | 7978.23109 | 0.51431877133594 | 5268.52816 | 31414.62457 | 0.13423709575508994 | 27696.7 | -0.004446377478397173 | 27820.4 | 0.4805403535478788 | 18790.70701 Gains sur change | 9436.23052 | 0.8267746318047181 | 5165.51432 | 14269.773290000001 | -0.05508828211393417 | 15101.7 | 0.19882353875098238 | 12597.1 | -0.21881768849988972 | 16125.685149999998 Autres | 1193.67922 | 1.1009779952649463 | 568.15408 | 6689.4169600000005 | -0.658027996094329 | 19561.3 | 2.7397097902766356 | 5230.7 | 1.5713473428954432 | 2034.2253699999999 18608.140829999997 | 0.6913114329962485 | 11002.19656 | 52373.81482 | -0.16013363085454224 | 62359.7 | 0.3660932961212052 | 45648.2 | 0.23538395435308987 | 36950.617529999996 PRODUIT NET BANCAIRE | 43845.33563999999 | -0.0006982892315414508 | 43875.97375999999 | 158322.94497 | -0.14264500916256725 | 184664.4 | 0.15122837991501586 | 160406.4 | 0.2267079713534717 | 130761.68390999999 Dotation à la provision pour créances douteuses | 11500.41428 | 1.788602081554876 | 4124.07864 | 37844.5774 | 0.1809085842668581 | 32047 | -0.0051624639512250926 | 32213.3 | 1.858985479586456 | 11267.38846 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 32344.92135999999 | -0.1863300790475623 | 39751.895119999994 | 120478.36757 | -0.21058563722091972 | 152617.4 | 0.1905274152821018 | 128193.09999999999 | 0.07279681860327669 | 119494.29544999999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 19056.09821 | -0.008585655997039377 | 19221.12417 | 72007.69101 | 0.08562709390575951 | 66328.2 | 0.11386856901033793 | 59547.6 | 0.016202404095638338 | 58598.168789999996 Frais de locaux | 1528.02721 | -0.0023382476810376693 | 1531.60849 | 6134.05036 | 0.008690778135894292 | 6081.2 | 0.21030948353069953 | 5024.5 | 0.1832473269484416 | 4246.3649700000005 Amortissement | 1765.36456 | 0.12850183790192285 | 1564.3435399999998 | 6637.739 | 0.1728490149306475 | 5659.5 | -0.20098544422639808 | 7083.1 | -0.06691141846307955 | 7591.026339999999 Autres dépenses d'exploitation | 11523.518199999999 | 0.0838070918443652 | 10632.44399 | 41229.53722 | -0.051813092163514096 | 43482.5 | 0.3995236485942806 | 31069.5 | 0.08173666438003055 | 28721.87014 33873.00818 | 0.028027357748301146 | 32949.520189999996 | 126009.01758999999 | 0.036672696406623 | 121551.4 | 0.18327335100516232 | 102724.7 | 0.03597581897156672 | 99157.43024 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -1528.0868200000077 | -1.224640193421389 | 6802.374929999998 | -5530.650019999986 | -1.1780290356016219 | 31066 | 0.21978608785789477 | 25468.399999999994 | 0.25232673457838234 | 20336.86520999999 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | -1528.0868200000077 | -1.224640193421389 | 6802.374929999998 | -5530.650019999986 | -1.1780290356016219 | 31066 | 0.21978608785789477 | 25468.399999999994 | 0.25232673457838234 | 20336.86520999999 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 5633680.902606895 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13013467505638704 | 4984964.205549934 | 0.23152024733154758 | 4047813.4373765527 | 0.2361580762544208 | 3274511.1771153845 | -0.03461731716044629 | 3391930.71858697 Bons B.R.H. | 180000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Prêts nets | 2291639.384839494 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006213589170851634 | 2277488.01000379 | 0.6049167093604447 | 1419069.286724146 | 0.025231687168149552 | 1384144.9737510919 | 0.2314928034943547 | 1123957.013653338 Dépôts | 4698809.373095975 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1508155031933007 | 4083025.7848088127 | 0.14696267391198659 | 3559859.337778352 | 0.10282827524504266 | 3227936.223332114 | -0.02379830332608784 | 3306628.3682257985 Avoir des Actionnaires | 282671.47166000004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.049765744027392624 | 269271 | 0.7528320074204076 | 153620.54028000002 | 1.6752241522640823 | -227510.43452 | -0.24455672223815147 | -182804.39168 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 65910.80000543199 | 0.15974791584477824 | 56832.005563399995 | 0 | 0 | 50484.825906075996 | 0 | 0 | 55920.46536689199 | 0 | 0 | 61494.10222406101 | 65910.80000543199 | 0.15974791584477824 | 56832.005563399995 Autres revenus | 42416.73148 | 0.09284576599233799 | 38813.099524144 | 0 | 0 | 35268.602415855996 | 0 | 0 | 31243.584853 | 0 | 0 | 54920.045027 | 42416.73148 | 0.09284576599233799 | 38813.099524144 Dot. à la prov. pr créances douteuses | 3811.94206 | -0.4586992050530522 | 7042.18818 | 0 | 0 | 2559.2770499999997 | 0 | 0 | -2012.066509999999 | 0 | 0 | -19336.681379999998 | 3811.94206 | -0.4586992050530522 | 7042.18818 Dépenses d'exploitation | 91115.16355 | 0.12764914827348622 | 80800.98645 | 0 | 0 | 94656.64129497933 | 0 | 0 | 87924.29667716354 | 0 | 0 | 123773.73302785715 | 91115.16355 | 0.12764914827348622 | 80800.98645 Bénéfice (perte) net | 13400.425875431989 | 0.7175782261010251 | 7801.930457544004 | 0 | 0 | -11462.490023047343 | 0 | 0 | 1251.8200527284644 | 0 | 0 | 11977.095603203867 | 13400.425875431989 | 0.7175782261010251 | 7801.930457544004 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.05017527200186265 | 0.03770170709237968 | 0 | 0.057586176119218305 | 0 | 0.055605232022362866 | 0 | 0.05401663660898733 | 0.05017527200186265 | 0.03770170709237968 | 0.054 | 0.038 | -0.0695 | -0.05389390493098093 Dépôts en % de l'actif | 0.8340567125343711 | 0.8820243519796762 | 0 | 0.8556175000210494 | 0 | 0.8506898390990936 | 0 | 0.8190682252568711 | 0.8340567125343711 | 0.8820243519796762 | 0.8191 | 0.8795 | 0.9858 | 0.9748513877675228 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.029074623627164203 | 0.06528125303348466 | 0 | 0.03840148551589591 | 0 | 0.014612971405087473 | 0 | 0.02170834704341997 | 0.029074623627164203 | 0.06528125303348466 | 0.0217 | 0.1498 | 0.0267 | 0.07072336659740483 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.46314319452299446 | 0.20196535145315178 | 0 | 0.3559013693986774 | 0 | 0.8037625386410249 | 0 | 0.47717585861117334 | 0.46314319452299446 | 0.20196535145315178 | 0.4772 | 0.0701 | 1.2885 | 0.9955933587301049 Prêts improductifs nets en % de l'avoir des actionnaires | 0.12826987709576068 | 0.5482128809295178 | 0 | 0.17330211422429537 | 0 | 0.024261419700000092 | 0 | 0.09699985685611523 | 0.12826987709576068 | 0.5482128809295178 | 0.097 | 1.3007 | 0.0485 | -0.0020613088020861874 Rentabilité ROA (rendement de l'actif) | 0.010095770779749144 | 0.007493397642653624 | 0 | -0.01047850009389995 | 0 | 0.0011008860734992077 | 0 | 0.009968332455238592 | 0.010095770779749144 | 0.0075 | 0.0021 | 0.0106 | -0.0071 | 0.0009861104711712386 ROE (rendement avoir des action.) | 0.1942293128503687 | 0.19811700250644249 | 0 | -0.21895151492264497 | 0 | 0.019457655567696644 | 0 | 0.18196575044858485 | 0.1942293128503687 | 0.1981 | 0.0453 | -1.0524 | 0.1153 | -0.032930838343573327 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8768398236165976 | 0.9579561398000989 | 0 | 0.9558343093531831 | 0 | 0.9445528440501495 | 0 | 0.928805278982118 | 0.8768398236165976 | 0.9579561398000989 | 0.946 | 0.9574 | 0.9552 | 0.9566849047921376 Rendement moyen des prêts | 0.12499577666655098 | 0.15108256609386136 | 0 | 0.12037614990826055 | 0 | 0.11893182763615713 | 0 | 0.11824747183414595 | 0.12499577666655098 | 0.1511 | 0.127 | 0.1347 | 0.1358 | 0.18525669677055034 Rendement moyen des prêts productifs | 0.12825455606717165 | 0.16861651029446265 | 0 | 0.1269040022406348 | 0 | 0.12203034293170577 | 0 | 0.1204467433181131 | 0.12825455606717165 | 0.1686 | 0.1367 | 0.1477 | 0.1425 | 0.20921944257528285 Rémunération moyenne des dépôts | 0.008433567502497975 | 0.0027199562772000562 | 0 | 0.0024552460812381103 | 0 | 0.0033839093129849947 | 0 | 0.004702299606461289 | 0.008433567502497975 | 0.0027 | 0.0034 | 0.0025 | 0.0025 | 0.0027990276030598936 Dépenses d'exploitation en % du produit net bancaire | 0.8411080941344378 | 0.8448000174817397 | 0 | 1.103823405632522 | 0 | 1.0087220184853003 | 0 | 1.0632189982968676 | 0.8411080941344378 | 0.8448000174817397 | 1.0057 | 0.9145 | 1.0314 | 0.951620806940548 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 2262.7160623588925 | 1848.214591063652 | 0 | 1710.791587469965 | 1801.840831418956 | 1801.840831418956 | 0 | 2431.627096627906 | 2262.7160623588925 | 1848.21 | 1929.71 | 1787.18 | 1196.18 | 1334.4497324024642 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 381812.966874299 | 0 | 0 | 0 | 0 | 0 | 0 | 0.062460554437229886 | 359366.722161784 | 0.3758074699700298 | 261204.223705525 | 0.24717349630314459 | 209436.958434238 | 0.04104258345332284 | 201180.01104191 Avoirs à la BRH | 1949652.441575278 | 0 | 0 | 0 | 0 | 0 | 0 | 0.22364819993777132 | 1593311.2488331432 | -0.08081925283357631 | 1733403.6355144237 | 0.5566425483454447 | 1113552.778932362 | -0.2670497357541294 | 1519274.681042774 Avoirs à l'étranger | 189898.524236649 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06510115496386608 | 178291.539119673 | 0.19514194256089096 | 149180.221001732 | -0.05962890703956706 | 158639.735013642 | 0.06165533415883141 | 149426.77713698402 Avoirs dans les banques locales | 176205.182735584 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3764522041996969 | 128014.021989259 | -0.02095291942852933 | 130753.69359616199 | 0.7125808680062774 | 76348.91644467601 | 0.3673255081770902 | 55838.142408726 Autres liquidités | 308.828 | 0 | 0 | 0 | 0 | 0 | 0 | -0.7795852171001945 | 1401.1219934389999 | -0.951417533636335 | 28840.075408088 | -0.17322681071070922 | 34882.693079198 | 1.2153435507118298 | 15745.951939594 2697877.9434218104 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1935481593946799 | 2260384.654097298 | -0.018666985303840197 | 2303381.849225931 | 0.44606574634396456 | 1592861.0819041163 | -0.17955738603205204 | 1941465.5635699881 Bons B.R.H. | 180000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 134723.54717347602 | 0 | 0 | 0 | 0 | 0 | 0 | -0.033070778265033726 | 139331.343127412 | 4.55437524552072 | 25084.971210718002 | 0.03590870811175583 | 24215.426527732005 | 0.03803558911601641 | 23328.127456934002 Portefeuille net | 2291639.384839494 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006213589170851634 | 2277488.01000379 | 0.6049167093604447 | 1419069.286724146 | 0.025231687168149552 | 1384144.9737510919 | 0.2314928034943547 | 1123957.013653338 Immobilisations | 280545.037 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10098214076393738 | 254813.4312200001 | 0.07749643158567814 | 236486.56621999992 | 0.10902530866918356 | 213238.20509 | -0.09842864558557149 | 236518.38985999997 Autres actifs | 48894.990172113896 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07652548306790391 | 52946.76710143501 | -0.1699932124193419 | 63790.76399575801 | 0.06226779990179561 | 60051.489842443996 | -0.09915951342010923 | 66661.62404671001 5633680.902606895 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13013467505638704 | 4984964.205549934 | 0.23152024733154758 | 4047813.4373765527 | 0.2361580762544208 | 3274511.1771153845 | -0.03461731716044629 | 3391930.71858697 PASSIF Dépôts À vue | 1619897.161720242 | 0 | 0 | 0 | 0 | 0 | 0 | 0.18290678910603084 | 1369420.8002174557 | 0.16340270466624127 | 1177082.3591220009 | 0.3035900957333583 | 902954.3588698499 | -0.037318106384752775 | 937957.143328938 Épargne | 1841834.30118409 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07701141571738476 | 1710134.427829872 | -0.018742081555509292 | 1742798.0918011959 | 0.019337114085392824 | 1709736.717832484 | 0.023159791819535595 | 1671035.8748480282 À terme | 1237077.910191643 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2327994098641844 | 1003470.5567614848 | 0.5679744713025168 | 639978.886855155 | 0.040201438988771585 | 615245.1466297801 | -0.1180992382528853 | 697635.3500488321 4698809.373095975 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1508155031933007 | 4083025.7848088127 | 0.14696267391198659 | 3559859.337778352 | 0.10282827524504266 | 3227936.223332114 | -0.02379830332608784 | 3306628.3682257985 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 242476.060946212 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08744223365085114 | 222978.337094883 | 0.44771058364761274 | 154021.349027561 | 0.25336936660587467 | 122885.84126214201 | 0.11020955236649328 | 110687.06894135599 242476.060946212 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08744223365085114 | 222978.337094883 | 0.44771058364761274 | 154021.349027561 | 0.25336936660587467 | 122885.84126214201 | 0.11020955236649328 | 110687.06894135599 Obligations à terme Banques locales | 200000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 200000 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1670.05275 | 0 | 0 | 0 | 0 | 0 | 0 | -0.7630962854407012 | 7049.500059999999 | 0.2999612060378139 | 5422.854179999999 | -0.2831501150745401 | 7564.83929765 | -0.03197959986616193 | 7814.75193767 201670.05275 | 0 | 0 | 0 | 0 | 0 | 0 | -0.025981455200042025 | 207049.50006 | 37.180908648367904 | 5422.854179999999 | -0.2831501150745401 | 7564.83929765 | -0.03197959986616193 | 7814.75193767 Autres passifs | 208053.94415511104 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026719398246297828 | 202639.537648242 | 0.15867278689466235 | 174889.35611522602 | 0.2175981618089368 | 143634.70773921005 | -0.039906390926754014 | 149604.899336698 5351009.430947298 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13472383588834708 | 4715693.1596119385 | 0.21095520540914373 | 3894192.897101139 | 0.11198425622718058 | 3502021.6116311164 | -0.020340941359687528 | 3574735.088441523 AVOIR DES ACTIONNAIRES Capital versé | 448651 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 448651 | -0.0029977777777777776 | 450000 | 1.9959579533945453 | 150202.375 | 0 | 150202.375 Réserves | 33754.82076 | 0 | 0 | 0 | 0 | 0 | 0 | -0.016072291305944546 | 34306.2 | 0.5784500939386508 | 21734.10495 | -0.11285648572988705 | 24498.97294 | -0.06008539232817209 | 26065.105 Surplus d'apport | 93847.20015 | 0 | 0 | 0 | 0 | 0 | 0 | 1.598342914062622e-09 | 93847.2 | -0.14932116500284803 | 110320.3655 | 0.04747063877651213 | 105320.72348 | 0 | 105320.72348 BNR | -293581.54925000004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.045366944696088235 | -307533.4 | 0.2821917725377805 | -428433.93017 | 0.15584928028107614 | -507532.50594 | -0.09289534594137255 | -464392.59516 282671.47166000004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.049765744027392624 | 269271 | 0.7528320074204076 | 153620.54028000002 | 1.6752241522640823 | -227510.43452 | -0.24455672223815147 | -182804.39168 5633680.902607298 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13013468547101054 | 4984964.1596119385 | 0.23152023598131014 | 4047813.437381139 | 0.23615807625743274 | 3274511.1771111162 | -0.03461731094993009 | 3391930.696761523 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 150 | 0 | 0 | 0 | 2427.885 | 2335.6139985 | 150 | 0 Portefeuille brut | 2322919.1499111876 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00938258257092265 | 2301326.761548287 | 0.604682201291341 | 1434132.415562616 | 0.0004652131491970437 | 1433465.548540514 | 0.18557272482052142 | 1209091.2 Provisions pour créances douteuses | 31279.765071694 | 0 | 0 | 0 | 0 | 0 | 0 | 0.31213939678458985 | 23838.751544496998 | 0.5825896332782318 | 15063.128838470002 | -0.6945873217661556 | 49320.574789422 | -0.4206725993851825 | 85134.2 Portefeuille de crédit improductif | 67538 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3518955922975299 | 49958 | -0.7675063640467426 | 214879 | 4.613788959427333 | 38277 | -0.552373378863538 | 85511 [buhcomp] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 381812.966874299 | 0.06777326821929534 | 0 | 0 | 0 | 0 | 0 | 0 | 359366.722161784 | 0.07209013091040625 | 261204.223705525 | 0.06452970912483932 | 209436.958434238 | 0.06395976287939788 | 201180.01104191 | 0.05931135619589504 Avoirs à la BRH | 1949652.441575278 | 0.3460707972780474 | 0 | 0 | 0 | 0 | 0 | 0 | 1593311.2488331432 | 0.3196234081398728 | 1733403.6355144237 | 0.4282320967435367 | 1113552.778932362 | 0.34006687371069666 | 1519274.681042774 | 0.4479085238143314 Avoirs à l'étranger | 189898.524236649 | 0.033707717479841026 | 0 | 0 | 0 | 0 | 0 | 0 | 178291.539119673 | 0.03576586145215944 | 149180.221001732 | 0.036854519930251003 | 158639.735013642 | 0.04844684486720626 | 149426.77713698402 | 0.044053605316335315 Avoirs dans les banques locales | 176205.182735584 | 0.031277096765286776 | 0 | 0 | 0 | 0 | 0 | 0 | 128014.021989259 | 0.025680028323320062 | 130753.69359616199 | 0.03230230237115508 | 76348.91644467601 | 0.023316126381933464 | 55838.142408726 | 0.01646205274852647 Autres liquidités | 308.828 | 5.481815625324018e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 1401.1219934389999 | 0.00028106961969337355 | 28840.075408088 | 0.007124852924738467 | 34882.693079198 | 0.010652794017923375 | 15745.951939594 | 0.00464217970411658 2697877.9434218104 | 0.47888369789872387 | 0 | 0 | 0 | 0 | 0 | 0 | 2260384.654097298 | 0.45344049844545187 | 2303381.849225931 | 0.5690434810945206 | 1592861.0819041163 | 0.4864424018571577 | 1941465.5635699881 | 0.5723777177792048 Bons B.R.H. | 180000 | 0.031950691406165355 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 134723.54717347602 | 0.023913947116020517 | 0 | 0 | 0 | 0 | 0 | 0 | 139331.343127412 | 0.027950319677780146 | 25084.971210718002 | 0.006197165852331361 | 24215.426527732005 | 0.007395127155761949 | 23328.127456934002 | 0.006877536539617816 Portefeuille net | 2291639.384839494 | 0.40677479332900707 | 0 | 0 | 0 | 0 | 0 | 0 | 2277488.01000379 | 0.4568714871549495 | 1419069.286724146 | 0.35057675178919945 | 1384144.9737510919 | 0.42270277879168117 | 1123957.013653338 | 0.3313620197176558 Immobilisations | 280545.037 | 0.04979782168176801 | 0 | 0 | 0 | 0 | 0 | 0 | 254813.4312200001 | 0.05111640138484995 | 236486.56621999992 | 0.05842328701128833 | 213238.20509 | 0.06512062214973044 | 236518.38985999997 | 0.06972972312315688 Autres actifs | 48894.990172113896 | 0.008679048568314994 | 0 | 0 | 0 | 0 | 0 | 0 | 52946.76710143501 | 0.010621293336968707 | 63790.76399575801 | 0.015759314252660257 | 60051.489842443996 | 0.018339070045668666 | 66661.62404671001 | 0.019653002840364704 5633680.902606895 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 4984964.205549934 | 1 | 4047813.4373765527 | 1 | 3274511.1771153845 | 1 | 3391930.71858697 | 1 PASSIF Dépôts À vue | 1619897.161720242 | 0.28753796846581436 | 0 | 0 | 0 | 0 | 0 | 0 | 1369420.8002174557 | 0.2747102574363186 | 1177082.3591220009 | 0.2907946172254631 | 902954.3588698499 | 0.27575241311751747 | 937957.143328938 | 0.27652603226509226 Épargne | 1841834.30118409 | 0.32693266321346154 | 0 | 0 | 0 | 0 | 0 | 0 | 1710134.427829872 | 0.34305851703527174 | 1742798.0918011959 | 0.43055296859993847 | 1709736.717832484 | 0.5221349463643128 | 1671035.8748480282 | 0.4926503556488199 À terme | 1237077.910191643 | 0.21958608085509515 | 0 | 0 | 0 | 0 | 0 | 0 | 1003470.5567614848 | 0.2012994507852807 | 639978.886855155 | 0.15810483777383147 | 615245.1466297801 | 0.18788915760298855 | 697635.3500488321 | 0.20567499985361054 4698809.373095975 | 0.8340567125343711 | 0 | 0 | 0 | 0 | 0 | 0 | 4083025.7848088127 | 0.8190682252568711 | 3559859.337778352 | 0.8794524235992331 | 3227936.223332114 | 0.9857765170848188 | 3306628.3682257985 | 0.9748513877675228 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 242476.060946212 | 0.04304043220374979 | 0 | 0 | 0 | 0 | 0 | 0 | 222978.337094883 | 0.044730178171918156 | 154021.349027561 | 0.03805050588679909 | 122885.84126214201 | 0.03752799566572127 | 110687.06894135599 | 0.03263246750141956 242476.060946212 | 0.04304043220374979 | 0 | 0 | 0 | 0 | 0 | 0 | 222978.337094883 | 0.044730178171918156 | 154021.349027561 | 0.03805050588679909 | 122885.84126214201 | 0.03752799566572127 | 110687.06894135599 | 0.03263246750141956 Obligations à terme Banques locales | 200000 | 0.03550076822907262 | 0 | 0 | 0 | 0 | 0 | 0 | 200000 | 0.04012064916681509 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1670.05275 | 0.0002964407780403768 | 0 | 0 | 0 | 0 | 0 | 0 | 7049.500059999999 | 0.0014141525935435094 | 5422.854179999999 | 0.0013396996338632223 | 7564.83929765 | 0.0023102194155019177 | 7814.75193767 | 0.002303924397643804 201670.05275 | 0.035797209007112994 | 0 | 0 | 0 | 0 | 0 | 0 | 207049.50006 | 0.0415348017603586 | 5422.854179999999 | 0.0013396996338632223 | 7564.83929765 | 0.0023102194155019177 | 7814.75193767 | 0.002303924397643804 Autres passifs | 208053.94415511104 | 0.03693037425297507 | 0 | 0 | 0 | 0 | 0 | 0 | 202639.537648242 | 0.040650148986553676 | 174889.35611522602 | 0.043205883576634 | 143634.70773921005 | 0.04386447319008457 | 149604.899336698 | 0.04410611882987435 5351009.430947298 | 0.9498247279982089 | 0 | 0 | 0 | 0 | 0 | 0 | 4715693.1596119385 | 0.9459833541757017 | 3894192.897101139 | 0.9620485126965295 | 3502021.6116311164 | 1.0694792053561266 | 3574735.088441523 | 1.0538938984964605 AVOIR DES ACTIONNAIRES Capital versé | 448651 | 0.07963727583370829 | 0 | 0 | 0 | 0 | 0 | 0 | 448651 | 0.09000084684670379 | 450000 | 0.11117113151629132 | 150202.375 | 0.04587016714119687 | 150202.375 | 0.044282265017067377 Réserves | 33754.82076 | 0.005991610342073244 | 0 | 0 | 0 | 0 | 0 | 0 | 34306.2 | 0.006881935072232959 | 21734.10495 | 0.005369344532856285 | 24498.97294 | 0.007481719137566629 | 26065.105 | 0.007684444985025623 Surplus d'apport | 93847.20015 | 0.016658238507362696 | 0 | 0 | 0 | 0 | 0 | 0 | 93847.2 | 0.018826052932439646 | 110320.3655 | 0.02725431080427962 | 105320.72348 | 0.03216380026919932 | 105320.72348 | 0.031050375794195204 BNR | -293581.54925000004 | -0.052111852681281594 | 0 | 0 | 0 | 0 | 0 | 0 | -307533.4 | -0.061692198242389064 | -428433.93017 | -0.10584329954882365 | -507532.50594 | -0.15499489190539292 | -464392.59516 | -0.13691099072726914 282671.47166000004 | 0.05017527200186265 | 0 | 0 | 0 | 0 | 0 | 0 | 269271 | 0.05401663660898733 | 153620.54028000002 | 0.03795148730460358 | -227510.43452 | -0.06947920535743012 | -182804.39168 | -0.05389390493098093 5633680.902607298 | 1.0000000000000715 | 0 | 0 | 0 | 0 | 0 | 0 | 4984964.1596119385 | 0.999999990784689 | 4047813.437381139 | 1.000000000001133 | 3274511.1771111162 | 0.9999999999986965 | 3391930.696761523 | 0.9999999935654796 [buhgdes&$] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 100713.005064299 | 281099.96181 | 381812.966874299 | 0.26377575881925425 | 76438.163261784 | 282928.5589 | 359366.722161784 | 0.21270239715566136 Avoirs à la BRH | 1275374.404265278 | 674278.0373099999 | 1949652.441575278 | 0.6541547493638417 | 889620.405493143 | 703690.84334 | 1593311.2488331432 | 0.5583469056310585 Avoirs à l'étranger | 189898.524236649 | 0 | 189898.524236649 | 1 | 178291.539119673 | 0 | 178291.539119673 | 1 Avoirs dans les banques locales | 78335.210645584 | 97869.97209000001 | 176205.182735584 | 0.4445681416938509 | 69353.79284925899 | 58660.22914 | 128014.021989259 | 0.5417671577811851 Autres liquidités | 0 | 308.828 | 308.828 | 0 | 1392.7931934389999 | 8.3288 | 1401.1219934389999 | 0.9940556211100811 1644321.14421181 | 1053556.7992099999 | 2697877.94342181 | 0.6094868554825211 | 1215096.693917298 | 1045287.9601799999 | 2260384.654097298 | 0.5375619108520961 Bons B.R.H. | 0 | 180000 | 180000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 31457.269683476003 | 103266.27749 | 134723.547173476 | 0.23349496315570012 | 30635.893127412 | 108695.45 | 139331.343127412 | 0.2198779717453589 Portefeuille net | 1467844.4063494934 | 823794.97849 | 2291639.3848394933 | 0.6405215480498916 | 1481479.12430379 | 796008.8856999999 | 2277488.01000379 | 0.6504882211438403 Immobilisations | 0 | 280545.037 | 280545.037 | 0 | 0 | 254813.4312200001 | 254813.4312200001 | 0 Autres actifs | -316235.53028788604 | 365130.52045999997 | 48894.99017211393 | -6.467646872915076 | -308876.12403856503 | 361822.89114 | 52946.76710143499 | -5.833710742845217 2827387.289956894 | 2806293.6126499996 | 5633680.902606893 | 0.5018721043729273 | 2418335.587309935 | 2566628.6182399997 | 4984964.205549935 | 0.48512596833042804 PASSIF Dépôts À vue | 811297.893670242 | 808599.26805 | 1619897.161720242 | 0.5008329620188285 | 712429.9130674559 | 656990.88715 | 1369420.8002174557 | 0.520241778826732 Épargne | 832674.3191640901 | 1009159.98202 | 1841834.30118409 | 0.4520897013530344 | 714708.439519872 | 995425.9883099999 | 1710134.427829872 | 0.41792529750238605 À terme | 853789.034671643 | 383288.87552 | 1237077.910191643 | 0.690165936710791 | 684844.6696814849 | 318625.88707999996 | 1003470.5567614848 | 0.682476097646247 2497761.247505975 | 2201048.1255900003 | 4698809.373095975 | 0.531573224018713 | 2111983.0222688126 | 1971042.7625399998 | 4083025.7848088127 | 0.5172592909225789 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 147240.08817621198 | 95235.97277 | 242476.06094621198 | 0.6072355662725566 | 111701.09275488298 | 111277.24434 | 222978.33709488297 | 0.5009504250960097 147240.08817621198 | 95235.97277 | 242476.06094621198 | 0.6072355662725566 | 111701.09275488298 | 111277.24434 | 222978.33709488297 | 0.5009504250960097 Obligations à terme Banques locales | 0 | 200000 | 200000 | 0 | 0 | 200000 | 200000 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1402.431 | 267.62175 | 1670.05275 | 0.8397525167992448 | 0 | 7049.500059999999 | 7049.500059999999 | 0 1402.431 | 200267.62175 | 201670.05275 | 0.006954086543223756 | 0 | 207049.50006 | 207049.50006 | 0 Autres passifs | 206674.78064511105 | 1379.1635099999999 | 208053.94415511106 | 0.9933711253800034 | 199780.603708242 | 2858.9339400000003 | 202639.537648242 | 0.9858915294952817 2853078.5473272977 | 2497930.88362 | 5351009.430947298 | 0.5331851091172928 | 2423464.7187319375 | 2292228.4408799997 | 4715693.159611937 | 0.5139148449029641 AVOIR DES ACTIONNAIRES Capital versé | 0 | 448651 | 448651 | 0 | 0 | 448651 | 448651 | 0 Réserves | 0 | 33754.82076 | 33754.82076 | 0 | 0 | 34306.2 | 34306.2 | 0 Surplus d'apport | 0 | 93847.20015 | 93847.20015 | 0 | 0 | 93847.2 | 93847.2 | 0 BNR | 0 | -293581.54925000004 | -293581.54925000004 | 0 | 0 | -307533.4 | -307533.4 | 0 0 | 282671.47166000004 | 282671.47166000004 | 0 | 269271 | 269271 | 0 2853078.5473272977 | 2780602.35528 | 5633680.9026072975 | 0.5064324012399918 | 2423464.7187319375 | 2561499.4408799997 | 4984964.159611937 | 0.48615489322206007 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [buhrésult] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 72251.40114999999 | 0 | 0 | 0 | 0 | 0 | 0 | 59163.60066 | -0.10932212589915752 | 52695.71006 | 0.12290629223186517 | 59172.344399999994 | 0.11862029620715876 | 66191.38542 Intérêts sur Bons B.R.H. | 2800.02857 | 0 | 0 | 0 | 0 | 0 | 0 | 80.75 | 0.2348518885448917 | 99.71429 | -0.8968481849492185 | 10.28571 | 0 | 0 Autres | 117.145235432 | 0 | 0 | 0 | 0 | 0 | 0 | 81.9621034 | -0.7300568780180914 | 22.12510607600001 | -0.07438649913571542 | 20.479296892000022 | -0.2012091944723792 | 16.358674061 75168.57495543199 | 0 | 0 | 0 | 0 | 0 | 0 | 59326.3127634 | -0.10971123948460575 | 52817.549456076 | 0.12089845168084402 | 59203.10940689199 | 0.11831531751191417 | 66207.74409406101 Dépenses d'intérêt | 9257.774949999999 | 0 | 0 | 0 | 0 | 0 | 0 | 2494.3072 | -0.06478097405163265 | 2332.7235499999997 | 0.40721520130407246 | 3282.64404 | 0.43592842006713567 | 4713.6418699999995 65910.80000543199 | 0 | 0 | 0 | 0 | 0 | 0 | 56832.005563399995 | -0.11168318968161849 | 50484.825906075996 | 0.1076687769693151 | 55920.46536689199 | 0.09967078815601058 | 61494.10222406101 AUTRES REVENUS Commissions | 25371.921430000002 | 0 | 0 | 0 | 0 | 0 | 0 | 22713.38098 | -0.147825447605379 | 19355.76527 | 0.12717628291428446 | 21817.35955 | 0.29764427015642214 | 28311.171609999998 Gains sur change | 8947.73184 | 0 | 0 | 0 | 0 | 0 | 0 | 4504.12933 | 0.5191029383696673 | 6842.2361 | -0.3481753881600198 | 4459.93789 | 3.384310499893531 | 19553.752520000002 Autres | 8097.07821 | 0 | 0 | 0 | 0 | 0 | 0 | 11595.589214144002 | -0.21775419270700677 | 9070.601045856 | -0.4524852997179386 | 4966.287413 | 0.42060261726539744 | 7055.120897 42416.73148 | 0 | 0 | 0 | 0 | 0 | 0 | 38813.099524144 | -0.09132218636862857 | 35268.602415855996 | -0.11412466860457264 | 31243.584853 | 0.7578022907869547 | 54920.045027 PRODUIT NET BANCAIRE | 108327.53148543199 | 0 | 0 | 0 | 0 | 0 | 0 | 95645.105087544 | -0.10342062729251174 | 85753.42832193199 | 0.01644974347456186 | 87164.050219892 | 0.3355752395325677 | 116414.14725106102 Dotation à la provision pour créances douteuses | 3811.94206 | 0 | 0 | 0 | 0 | 0 | 0 | 7042.18818 | -0.636579286922719 | 2559.2770499999997 | -1.7861855010968817 | -2012.066509999999 | -8.610358943850224 | -19336.681379999998 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 104515.58942543199 | 0 | 0 | 0 | 0 | 0 | 0 | 88602.916907544 | -0.06104500646695402 | 83194.15127193199 | 0.07190367792090464 | 89176.116729892 | 0.5222778655213305 | 135750.828631061 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 43286.63074 | 0 | 0 | 0 | 0 | 0 | 0 | 38672.52329 | 0.11337129018249803 | 43056.87715 | -0.11079322760405994 | 38286.46676 | -0.0387106177566747 | 36804.37398000001 Frais de locaux | 20123.97472 | 0 | 0 | 0 | 0 | 0 | 0 | 12829.7541 | 0.23690107695309054 | 15869.13666333333 | 0.05825006381532892 | 16793.51488666667 | 0.16820136001284716 | 19618.20693 Amortissement | 5796.6174 | 0 | 0 | 0 | 0 | 0 | 0 | 6751.591409999999 | 0.05896559282458126 | 7149.7029999999995 | 0.020511394968834442 | 7296.35338214286 | -0.2541449032367349 | 5442.0223578571395 Autres dépenses d'exploitation | 21907.94069 | 0 | 0 | 0 | 0 | 0 | 0 | 22547.11765 | 0.26760878819674766 | 28580.924481646 | -0.10611842997729824 | 25547.961648354 | 1.42325124063229 | 61909.129759999996 91115.16355 | 0 | 0 | 0 | 0 | 0 | 0 | 80800.98645 | 0.17147878328878166 | 94656.64129497933 | -0.0711238485299275 | 87924.29667716354 | 0.4077307150072971 | 123773.73302785715 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 13400.425875431989 | 0 | 0 | 0 | 0 | 0 | 0 | 7801.930457544004 | -2.4691863873208195 | -11462.490023047343 | 1.1092101323718897 | 1251.8200527284644 | 8.567745441606096 | 11977.095603203867 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 13400.425875431989 | 0 | 0 | 0 | 0 | 0 | 0 | 7801.930457544004 | -2.4691863873208195 | -11462.490023047343 | 1.1092101323718897 | 1251.8200527284644 | 8.567745441606096 | 11977.095603203867 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 72251.40114999999 | 0.22121372506066123 | 59163.60066 | 0 | 0 | 52695.71006 | 0 | 0 | 59172.344399999994 | 0 | 0 | 66191.38542 | 72251.40114999999 | 0.22121372506066123 | 59163.60066 | 237223.04054 Intérêts sur Bons B.R.H. | 2800.02857 | 33.67527640866873 | 80.75 | 0 | 0 | 99.71429 | 0 | 0 | 10.28571 | 0 | 0 | 0 | 2800.02857 | 33.67527640866873 | 80.75 | 190.75 Autres | 117.145235432 | 0.4292609702839813 | 81.9621034 | 0 | 0 | 22.12510607600001 | 0 | 0 | 20.479296892000022 | 0 | 0 | 16.358674061 | 117.145235432 | 0.4292609702839813 | 81.9621034 | 140.92518042900002 75168.57495543199 | 0.26703601579307173 | 59326.3127634 | 0 | 0 | 52817.549456076 | 0 | 0 | 59203.10940689199 | 0 | 0 | 66207.74409406101 | 75168.57495543199 | 0.26703601579307173 | 59326.3127634 | 237554.715720429 Dépenses d'intérêt | 9257.774949999999 | 2.711561651267333 | 2494.3072 | 0 | 0 | 2332.7235499999997 | 0 | 0 | 3282.64404 | 0 | 0 | 4713.6418699999995 | 9257.774949999999 | 2.711561651267333 | 2494.3072 | 12823.31666 65910.80000543199 | 0.15974791584477824 | 56832.005563399995 | 0 | 0 | 50484.825906075996 | 0 | 0 | 55920.46536689199 | 0 | 0 | 61494.10222406101 | 65910.80000543199 | 0.15974791584477824 | 56832.005563399995 | 224731.399060429 AUTRES REVENUS Commissions | 25371.921430000002 | 0.11704732344079231 | 22713.38098 | 0 | 0 | 19355.76527 | 0 | 0 | 21817.35955 | 0 | 0 | 28311.171609999998 | 25371.921430000002 | 0.11704732344079231 | 22713.38098 | 92197.67741 Gains sur change | 8947.73184 | 0.9865619267198087 | 4504.12933 | 0 | 0 | 6842.2361 | 0 | 0 | 4459.93789 | 0 | 0 | 19553.752520000002 | 8947.73184 | 0.9865619267198087 | 4504.12933 | 35360.05584 Autres | 8097.07821 | -0.3017104986675975 | 11595.589214144002 | 0 | 0 | 9070.601045856 | 0 | 0 | 4966.287413 | 0 | 0 | 7055.120897 | 8097.07821 | -0.3017104986675975 | 11595.589214144002 | 32687.598570000002 42416.73148 | 0.09284576599233799 | 38813.099524144 | 0 | 0 | 35268.602415855996 | 0 | 0 | 31243.584853 | 0 | 0 | 54920.045027 | 42416.73148 | 0.09284576599233799 | 38813.099524144 | 160245.33182000002 PRODUIT NET BANCAIRE | 108327.53148543199 | 0.13259880248215275 | 95645.105087544 | 0 | 0 | 85753.42832193199 | 0 | 0 | 87164.050219892 | 0 | 0 | 116414.14725106102 | 108327.53148543199 | 0.13259880248215275 | 95645.105087544 | 384976.73088042904 Dotation à la provision pour créances douteuses | 3811.94206 | -0.4586992050530522 | 7042.18818 | 0 | 0 | 2559.2770499999997 | 0 | 0 | -2012.066509999999 | 0 | 0 | -19336.681379999998 | 3811.94206 | -0.4586992050530522 | 7042.18818 | -11747.282659999997 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 104515.58942543199 | 0.17959535727805276 | 88602.916907544 | 0 | 0 | 83194.15127193199 | 0 | 0 | 89176.116729892 | 0 | 0 | 135750.828631061 | 104515.58942543199 | 0.17959535727805276 | 88602.916907544 | 396724.01354042906 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 43286.63074 | 0.11931229352166753 | 38672.52329 | 0 | 0 | 43056.87715 | 0 | 0 | 38286.46676 | 0 | 0 | 36804.37398000001 | 43286.63074 | 0.11931229352166753 | 38672.52329 | 156820.24118 Frais de locaux | 20123.97472 | 0.5685393939077911 | 12829.7541 | 0 | 0 | 15869.13666333333 | 0 | 0 | 16793.51488666667 | 0 | 0 | 19618.20693 | 20123.97472 | 0.5685393939077911 | 12829.7541 | 65110.61258 Amortissement | 5796.6174 | -0.14144428357817332 | 6751.591409999999 | 0 | 0 | 7149.7029999999995 | 0 | 0 | 7296.35338214286 | 0 | 0 | 5442.0223578571395 | 5796.6174 | -0.14144428357817332 | 6751.591409999999 | 26639.670149999998 Autres dépenses d'exploitation | 21907.94069 | -0.028348499791502203 | 22547.11765 | 0 | 0 | 28580.924481646 | 0 | 0 | 25547.961648354 | 0 | 0 | 61909.129759999996 | 21907.94069 | -0.028348499791502203 | 22547.11765 | 138585.13354 91115.16355 | 0.12764914827348622 | 80800.98645 | 0 | 0 | 94656.64129497933 | 0 | 0 | 87924.29667716354 | 0 | 0 | 123773.73302785715 | 91115.16355 | 0.12764914827348622 | 80800.98645 | 387155.65745000006 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 13400.425875431989 | 0.7175782261010251 | 7801.930457544004 | 0 | 0 | -11462.490023047343 | 0 | 0 | 1251.8200527284644 | 0 | 0 | 11977.095603203867 | 13400.425875431989 | 0.7175782261010251 | 7801.930457544004 | 9568.356090429006 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 13400.425875431989 | 0.7175782261010251 | 7801.930457544004 | 0 | 0 | -11462.490023047343 | 0 | 0 | 1251.8200527284644 | 0 | 0 | 11977.095603203867 | 13400.425875431989 | 0.7175782261010251 | 7801.930457544004 | 9568.356090429006 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 72251.40114999999 | 0.22121372506066123 | 59163.60066 | 237223.04054 | 0.2287071058160059 | 193067.2 | 0.07591895420130204 | 179443.99923999998 | -0.11780558859438639 | 203406.41124 Intérêts sur Bons B.R.H. | 2800.02857 | 33.67527640866873 | 80.75 | 190.75 | 0 | 0 | 0 | 700.272 | -0.6104590850091809 | 1797.68536 Autres | 117.145235432 | 0.4292609702839813 | 81.9621034 | 140.92518042900002 | -0.9741724982719376 | 5456.4 | 48.577463969702535 | 110.05807 | 5.73787928785193 | 16.33422999999857 75168.57495543199 | 0.26703601579307173 | 59326.3127634 | 237554.715720429 | 0.19660693096653994 | 198523.6 | 0.10135274287132758 | 180254.32930999997 | -0.1216550487640355 | 205220.43083 Dépenses d'intérêt | 9257.774949999999 | 2.711561651267333 | 2494.3072 | 12823.31666 | 0.517193168480833 | 8452 | 0.04560066390743237 | 8083.391959999999 | -0.0906443495534019 | 8889.1425 65910.80000543199 | 0.15974791584477824 | 56832.005563399995 | 224731.399060429 | 0.18235127741561064 | 190071.6 | 0.10397029211504172 | 172170.93734999996 | -0.12305909661933528 | 196331.28833 AUTRES REVENUS Commissions | 25371.921430000002 | 0.11704732344079231 | 22713.38098 | 92197.67741 | 1.0460455602799736 | 45061.4 | -0.0796477307174331 | 48961.03536 | 0.021380958048008734 | 47936.11529 Gains sur change | 8947.73184 | 0.9865619267198087 | 4504.12933 | 35360.05584 | 1.0246470523567406 | 17464.8 | 0.9290949022902846 | 9053.364860000001 | 0.01353390735298014 | 8932.47359 Autres | 8097.07821 | -0.3017104986675975 | 11595.589214144002 | 32687.598570000002 | -0.7355472844479215 | 123604.7 | 2.1251078323470303 | 39552.1392 | -0.44866332476680215 | 71738.63263 42416.73148 | 0.09284576599233799 | 38813.099524144 | 160245.33182000002 | -0.13907184771577408 | 186130.9 | 0.9077329287938785 | 97566.53942 | -0.241360335178273 | 128607.22151 PRODUIT NET BANCAIRE | 108327.53148543199 | 0.13259880248215275 | 95645.105087544 | 384976.73088042904 | 0.02332315941661482 | 376202.5 | 0.3946986696282503 | 269737.47676999995 | -0.16988147418162622 | 324938.50984 Dotation à la provision pour créances douteuses | 3811.94206 | -0.4586992050530522 | 7042.18818 | -11747.282659999997 | -0.7508954227713766 | -6709.3 | -1.4412731924083693 | 15204.41331 | 0.22615999346330276 | 12400.023970000002 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 104515.58942543199 | 0.17959535727805276 | 88602.916907544 | 396724.01354042906 | 0.03607152754349455 | 382911.8 | 0.5043695887476515 | 254533.06345999995 | -0.18559449486207394 | 312538.48587000003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 43286.63074 | 0.11931229352166753 | 38672.52329 | 156820.24118 | 0.40596148611030186 | 111539.5 | 0.07885174362707327 | 103387.23616 | -0.06461673539929444 | 110529.27722 Frais de locaux | 20123.97472 | 0.5685393939077911 | 12829.7541 | 65110.61258 | 0.3433953803809588 | 48467.2 | 0.061856386659670616 | 45643.837159999995 | 0.012210530752912849 | 45093.22495 Amortissement | 5796.6174 | -0.14144428357817332 | 6751.591409999999 | 26639.670149999998 | 0.09132907625059909 | 24410.3 | -0.012927496539784302 | 24729.99695 | -0.13403763372059962 | 28557.819499999998 Autres dépenses d'exploitation | 21907.94069 | -0.028348499791502203 | 22547.11765 | 138585.13354 | -0.1317488020168644 | 159614.1 | 0.5283663267178222 | 104434.45214 | -0.16477779110225965 | 125037.92527 91115.16355 | 0.12764914827348622 | 80800.98645 | 387155.65745000006 | 0.1253507530278515 | 344031.1 | 0.23665218267953506 | 278195.52241 | -0.10032630621575055 | 309218.24694 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 13400.425875431989 | 0.7175782261010251 | 7801.930457544004 | 9568.356090429006 | -0.7539047370435974 | 38880.70000000001 | 2.643138613875967 | -23662.45895000003 | -8.126733782980995 | 3320.2389300000505 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 13400.425875431989 | 0.7175782261010251 | 7801.930457544004 | 9568.356090429006 | -0.7539047370435974 | 38880.70000000001 | 2.643138613875967 | -23662.45895000003 | -8.126733782980995 | 3320.2389300000505 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 12315640 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027803240862832493 | 11982488 | 0.16087714637752684 | 10321926 | 0.09484511150592666 | 9427750 | 0.16781390785817893 | 8072990 Bons B.R.H. | 298391 | 0 | 0 | 0 | 0 | 0 | 0 | 2.9789710902496265 | 74992 | -0.5714375517901534 | 174985 | 0 | 80000 | 0 | 0 Prêts nets | 5637972 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0408025036981163 | 5416947 | 0.14778909121421044 | 4719462 | 0.1486428041372405 | 4108729 | 0.24330202127823752 | 3304691 Dépôts | 10419494 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02694592541881618 | 10146098 | 0.15996819893182435 | 8746876 | 0.10513345367375851 | 7914769 | 0.14344969844697228 | 6921834 Avoir des Actionnaires | 1074342 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06455870549648728 | 1009190 | 0.15633740362327225 | 872747 | 0.1680326662151998 | 747194 | 0.1889152493289226 | 628467 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 174044 | 0.2568713260251022 | 138474 | 0 | 0 | 144934 | 0 | 0 | 162988 | 0 | 0 | 169352 | 174044 | 0.2568713260251022 | 138474 Autres revenus | 127790 | 0.19277187152897693 | 107137 | 0 | 0 | 108584 | 0 | 0 | 119018 | 0 | 0 | 120014 | 127790 | 0.19277187152897693 | 107137 Dot. à la prov. pr créances douteuses | 11425 | 1.3146272285251215 | 4936 | 0 | 0 | 5864 | 0 | 0 | 16989 | 0 | 0 | 4951 | 11425 | 1.3146272285251215 | 4936 Dépenses d'exploitation | 198970 | 0.17268124782667632 | 169671 | 0 | 0 | 181812 | 0 | 0 | 184984 | 0 | 0 | 209281 | 198970 | 0.17268124782667632 | 169671 Bénéfice (perte) net | 73151 | 0.2878017006144042 | 56803 | 0 | 0 | 52673 | 0 | 0 | 64023 | 0 | 0 | 61557 | 73151 | 0.2878017006144042 | 56803 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.08723395617280141 | 0.0870135131079675 | 0 | 0.07941688747385343 | 0 | 0.0847068744528905 | 0 | 0.08422207474774855 | 0.08723395617280141 | 0.0870135131079675 | 0.0842 | 0.0846 | 0.0793 | 0.07784810832169989 Dépôts en % de l'actif | 0.8460375587464395 | 0.8524718775522453 | 0 | 0.8642042317505231 | 0 | 0.8561215882111015 | 0 | 0.846743848189124 | 0.8460375587464395 | 0.8524718775522453 | 0.8467 | 0.8474 | 0.8395 | 0.8574064875591324 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.013055971452746357 | 0.005208599663825625 | 0 | 0.006710116679829678 | 0 | 0.007961016993459752 | 0 | 0.005863073320905522 | 0.013055971452746357 | 0.005208599663825625 | 0.0059 | 0.0069 | 0.006 | 0.007010315323576374 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.5196324481865285 | 1.1628201575551245 | 0 | 0.7608206604877171 | 0 | 0.7956784311924499 | 0 | 0.9720430780790182 | 0.5196324481865285 | 1.1628201575551245 | 0.972 | 0.8544 | 1.1624 | 1.6136906794127688 Prêts improductifs nets en % de l'avoir des actionnaires | 0.03313749253031158 | -0.004474913069400864 | 0 | 0.009024343318885028 | 0 | 0.009389710995712475 | 0 | 0.0008848680625055738 | 0.03313749253031158 | -0.004474913069400864 | 0.0009 | 0.0055 | -0.0054 | -0.022881074105720746 Rentabilité ROA (rendement de l'actif) | 0.02408448914253806 | 0.021758465159254312 | 0 | 0.01942826359963237 | 0 | 0.02295407258392324 | 0 | 0.02125431884266389 | 0.006021122285634515 | 0.0218 | 0.0211 | 0.0197 | 0.0207 | 0.023801454395763404 ROE (rendement avoir des action.) | 0.28087305594538503 | 0.2536030774536783 | 0 | 0.23374718621826626 | 0 | 0.2796919906315 | 0 | 0.25166098313439694 | 0.28087305594538503 | 0.2536 | 0.2498 | 0.24 | 0.2638 | 0.31697899501152804 Revenus nets d'intérêt en % des revenus d'intérêt | 0.9041481596924595 | 0.9286202872892608 | 0 | 0.9250555286068064 | 0 | 0.9213410739218668 | 0 | 0.9095752680086794 | 0.9041481596924595 | 0.9286202872892608 | 0.9206 | 0.9387 | 0.9504 | 0.9570246220214991 Rendement moyen des prêts | 0.1297578070847183 | 0.12190998562608332 | 0 | 0.12311582048763477 | 0 | 0.13428888844822306 | 0 | 0.12999999908410456 | 0.1297578070847183 | 0.1219 | 0.1275 | 0.1212 | 0.129 | 0.13287502759512093 Rendement moyen des prêts productifs | 0.13100674551943675 | 0.122742126501265 | 0 | 0.1238550402818438 | 0 | 0.13528535076855402 | 0 | 0.1309051013272788 | 0.13100674551943675 | 0.1227 | 0.1283 | 0.122 | 0.1298 | 0.13396817008087605 Rémunération moyenne des dépôts | 0.007177425283940282 | 0.004796879864895094 | 0 | 0.005044900126702525 | 0 | 0.005800050904147802 | 0 | 0.006828737644815598 | 0.007177425283940282 | 0.0048 | 0.0056 | 0.0041 | 0.0033 | 0.00269676592785806 Dépenses d'exploitation en % du produit net bancaire | 0.6592034031951337 | 0.6908118936041138 | 0 | 0.7171561782595318 | 0 | 0.6559576746594044 | 0 | 0.7232397724680854 | 0.6592034031951337 | 0.6908118936041138 | 0.6966 | 0.7034 | 0.7004 | 0.7198458069677794 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 2273.7024482109227 | 1978.7391742195368 | 0 | 2030.1741741741741 | 0 | 2274.2419354838707 | 0 | 2269.5372549019608 | 2273.7024482109227 | 1978.74 | 2082.69 | 1896.61 | 1782.68 | 1733.7957124842371 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 379216 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4473009281875916 | 262016 | -0.0032563376852612676 | 262872 | 0.20353269205235855 | 218417 | 0.17209199991413915 | 186348 Avoirs à la BRH | 3669089 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020975798489740374 | 3747700 | 0.17770539610113115 | 3182205 | 0.1547233196991381 | 2755816 | 0.16379625617727372 | 2367954 Avoirs à l'étranger | 699005 | 0 | 0 | 0 | 0 | 0 | 0 | 0.29193681938150123 | 541052 | 0.18047279828073354 | 458335 | -0.3333347878703251 | 687504 | -0.13046161785053892 | 790654 Avoirs dans les banques locales | 33668 | 0 | 0 | 0 | 0 | 0 | 0 | 1.0513007981478097 | 16413 | -0.3223648899715123 | 24221 | 0.5825547206795165 | 15305 | -0.3895337242232061 | 25071 Autres liquidités | 120729 | 0 | 0 | 0 | 0 | 0 | 0 | -0.14943038911081521 | 141939 | -0.5713535044830929 | 331133 | 0.23517914094410355 | 268085 | 0.3387849883892232 | 200245 4901707 | 0 | 0 | 0 | 0 | 0 | 0 | 0.040896600638760536 | 4709120 | 0.10574753344043791 | 4258766 | 0.0795003557553407 | 3945127 | 0.10499340106300024 | 3570272 Bons B.R.H. | 298391 | 0 | 0 | 0 | 0 | 0 | 0 | 2.9789710902496265 | 74992 | -0.5714375517901534 | 174985 | 1.1873125 | 80000 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 714956 | 0 | 0 | 0 | 0 | 0 | 0 | -0.33893287028047614 | 1081518 | 0.8547282349592018 | 583114 | -0.10571646785656227 | 652046 | -0.049480385253990955 | 685989 Portefeuille net | 5637972 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0408025036981163 | 5416947 | 0.14778909121421044 | 4719462 | 0.1486428041372405 | 4108729 | 0.24330202127823752 | 3304691 Immobilisations | 293320 | 0 | 0 | 0 | 0 | 0 | 0 | -0.015658453752860874 | 297986 | -0.015817025844273802 | 302775 | 0.019574895104424134 | 296962 | 0.21149146747932654 | 245121 Autres actifs | 469294 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1676158487279965 | 401925 | 0.42111348400418636 | 282824 | -0.17994931658577037 | 344886 | 0.29210953217666913 | 266917 12315640 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027803240862832493 | 11982488 | 0.16087714637752684 | 10321926 | 0.09484511150592666 | 9427750 | 0.16781390785817893 | 8072990 PASSIF Dépôts À vue | 5535253 | 0 | 0 | 0 | 0 | 0 | 0 | 0.029760868271048208 | 5375280 | 0.2089365331260593 | 4446288 | 0.12093517148743455 | 3966588 | 0.13262416329299778 | 3502122 Épargne | 2676583 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03781741338865086 | 2579050 | 0.07197291980393127 | 2405891 | 0.007615252786354111 | 2387708 | 0.1037703359191283 | 2163229 À terme | 2207658 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007249854911651233 | 2191768 | 0.1567907691836742 | 1894697 | 0.21418121300400583 | 1560473 | 0.24193721681869154 | 1256483 10419494 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02694592541881618 | 10146098 | 0.15996819893182435 | 8746876 | 0.10513345367375851 | 7914769 | 0.14344969844697228 | 6921834 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 334252 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06495128494325604 | 313866 | -0.10022188712997311 | 348826 | 0.2983243633548464 | 268674 | 0.17509108165202217 | 228641 334252 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06495128494325604 | 313866 | -0.10022188712997311 | 348826 | 0.2983243633548464 | 268674 | 0.17509108165202217 | 228641 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 60293 | 0 | 0 | 0 | 0 | 0 | 0 | -0.31490676877975615 | 88007 | 0.6303933010985754 | 53979 | -0.7885142044452803 | 255237 | 5.816863415415843 | 37442 60293 | 0 | 0 | 0 | 0 | 0 | 0 | -0.31490676877975615 | 88007 | 0.6303933010985754 | 53979 | -0.7885142044452803 | 255237 | 5.816863415415843 | 37442 Autres passifs | 427259 | 0 | 0 | 0 | 0 | 0 | 0 | 0.004542387386646039 | 425327 | 0.42013302259113583 | 299498 | 0.23822950602788207 | 241876 | -0.05740317841359906 | 256606 11241298 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024422921896407077 | 10973298 | 0.16129644702465684 | 9449179 | 0.08854536506647731 | 8680556 | 0.1660325315671669 | 7444523 AVOIR DES ACTIONNAIRES Capital versé | 270000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 270000 | 0 | 270000 | 0 | 270000 | 0 | 270000 Réserves | 206958 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013764523776867762 | 204148 | 0.19309441989854362 | 171108 | 0.15675259091001278 | 147921 | 0.26137119467894604 | 117270 Surplus d'apport | 1384 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | -0.0021629416005767843 | 1387 | 0 | 1387 | 0 | 1387 BNR | 596000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11682013574236684 | 533658 | 0.2403382203917704 | 430252 | 0.3121999719414675 | 327886 | 0.3672740919894917 | 239810 1074342 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06455870549648728 | 1009190 | 0.15633740362327225 | 872747 | 0.1680326662151998 | 747194 | 0.1889152493289226 | 628467 12315640 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027803240862832493 | 11982488 | 0.16087714637752684 | 10321926 | 0.09484511150592666 | 9427750 | 0.16781390785817893 | 8072990 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 144186 | 0 | 0 | 0 | 160556 | 221270 | 162745 | 55341 Portefeuille brut | 5676483 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04193964165906142 | 5447996 | 0.14757926528332146 | 4747381 | 0.14734170154495638 | 4137722 | 0.23791122999740016 | 3342503 Provisions pour créances douteuses | 38511 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24032980128184483 | 31049 | 0.11211003259429063 | 27919 | -0.03704342427482496 | 28993 | -0.2332328361366762 | 37812 Portefeuille de crédit improductif | 74112 | 0 | 0 | 0 | 0 | 0 | 0 | 1.3202053722371798 | 31942 | -0.022522798212864924 | 32678 | 0.31010704406045786 | 24943 | 0.0644844656879481 | 23432 [capitalbkcomp ] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 379216 | 0.03079141644283204 | 0 | 0 | 0 | 0 | 0 | 0 | 262016 | 0.021866577291794493 | 262872 | 0.025467340106875402 | 218417 | 0.023167457770942167 | 186348 | 0.023082897414712516 Avoirs à la BRH | 3669089 | 0.29792109870051414 | 0 | 0 | 0 | 0 | 0 | 0 | 3747700 | 0.31276476137510006 | 3182205 | 0.3082956611004574 | 2755816 | 0.29230898146429424 | 2367954 | 0.29331808908471335 Avoirs à l'étranger | 699005 | 0.05675750509108743 | 0 | 0 | 0 | 0 | 0 | 0 | 541052 | 0.04515356076300681 | 458335 | 0.04440401917239089 | 687504 | 0.0729234440879319 | 790654 | 0.09793818647118353 Avoirs dans les banques locales | 33668 | 0.0027337596746900687 | 0 | 0 | 0 | 0 | 0 | 0 | 16413 | 0.0013697489202576293 | 24221 | 0.002346558190787262 | 15305 | 0.0016233990082469307 | 25071 | 0.003105540821925953 Autres liquidités | 120729 | 0.009802901026662033 | 0 | 0 | 0 | 0 | 0 | 0 | 141939 | 0.011845536586391741 | 331133 | 0.03208054388299238 | 268085 | 0.02843573493145236 | 200245 | 0.024804316616272287 4901707 | 0.39800668093578573 | 0 | 0 | 0 | 0 | 0 | 0 | 4709120 | 0.39300018493655076 | 4258766 | 0.41259412245350335 | 3945127 | 0.4184590172628676 | 3570272 | 0.44224903040880764 Bons B.R.H. | 298391 | 0.024228623116622442 | 0 | 0 | 0 | 0 | 0 | 0 | 74992 | 0.006258466522144649 | 174985 | 0.016952746997023618 | 80000 | 0.008485587759539656 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 714956 | 0.05805268747706169 | 0 | 0 | 0 | 0 | 0 | 0 | 1081518 | 0.0902582168244191 | 583114 | 0.056492751449681 | 652046 | 0.06916241945320994 | 685989 | 0.0849733494033809 Portefeuille net | 5637972 | 0.4577896073610466 | 0 | 0 | 0 | 0 | 0 | 0 | 5416947 | 0.4520719737002866 | 4719462 | 0.4572268780070696 | 4108729 | 0.43581225637082016 | 3304691 | 0.4093515537613697 Immobilisations | 293320 | 0.023816870256032168 | 0 | 0 | 0 | 0 | 0 | 0 | 297986 | 0.024868458036427826 | 302775 | 0.02933318839914179 | 296962 | 0.03149871390310519 | 245121 | 0.03036309966939139 Autres actifs | 469294 | 0.038105530853451385 | 0 | 0 | 0 | 0 | 0 | 0 | 401925 | 0.033542699980171065 | 282824 | 0.027400312693580637 | 344886 | 0.036582005250457426 | 266917 | 0.03306296675705036 12315640 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 11982488 | 1 | 10321926 | 1 | 9427750 | 1 | 8072990 | 1 PASSIF Dépôts À vue | 5535253 | 0.4494490745101351 | 0 | 0 | 0 | 0 | 0 | 0 | 5375280 | 0.44859464912462255 | 4446288 | 0.4307614683538712 | 3966588 | 0.4207353822492111 | 3502122 | 0.4338073006407787 Épargne | 2676583 | 0.21733202659382703 | 0 | 0 | 0 | 0 | 0 | 0 | 2579050 | 0.2152349328453323 | 2405891 | 0.23308547261431636 | 2387708 | 0.25326382222693644 | 2163229 | 0.26795883557393235 À terme | 2207658 | 0.17925645764247736 | 0 | 0 | 0 | 0 | 0 | 0 | 2191768 | 0.18291426621916917 | 1894697 | 0.18356041304694493 | 1560473 | 0.1655191323486516 | 1256483 | 0.15564035134442133 10419494 | 0.8460375587464395 | 0 | 0 | 0 | 0 | 0 | 0 | 10146098 | 0.846743848189124 | 8746876 | 0.8474073540151325 | 7914769 | 0.8395183368247991 | 6921834 | 0.8574064875591324 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 334252 | 0.02714044905502272 | 0 | 0 | 0 | 0 | 0 | 0 | 313866 | 0.026193725376566203 | 348826 | 0.033794661965218506 | 268674 | 0.02849821007133197 | 228641 | 0.028321724664591433 334252 | 0.02714044905502272 | 0 | 0 | 0 | 0 | 0 | 0 | 313866 | 0.026193725376566203 | 348826 | 0.033794661965218506 | 268674 | 0.02849821007133197 | 228641 | 0.028321724664591433 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 60293 | 0.004895644887314017 | 0 | 0 | 0 | 0 | 0 | 0 | 88007 | 0.007344634937251762 | 53979 | 0.005229547276351332 | 255237 | 0.027072949537270293 | 37442 | 0.0046379346437936874 60293 | 0.004895644887314017 | 0 | 0 | 0 | 0 | 0 | 0 | 88007 | 0.007344634937251762 | 53979 | 0.005229547276351332 | 255237 | 0.027072949537270293 | 37442 | 0.0046379346437936874 Autres passifs | 427259 | 0.03469239113842237 | 0 | 0 | 0 | 0 | 0 | 0 | 425327 | 0.03549571674930949 | 299498 | 0.029015708889988168 | 241876 | 0.025655750311580176 | 256606 | 0.03178574481078262 11241298 | 0.9127660438271986 | 0 | 0 | 0 | 0 | 0 | 0 | 10973298 | 0.9157779252522514 | 9449179 | 0.9154472721466904 | 8680556 | 0.9207452467449816 | 7444523 | 0.9221518916783001 AVOIR DES ACTIONNAIRES Capital versé | 270000 | 0.021923343001256937 | 0 | 0 | 0 | 0 | 0 | 0 | 270000 | 0.022532882987239378 | 270000 | 0.02615790890188517 | 270000 | 0.02863885868844634 | 270000 | 0.03344485748155268 Réserves | 206958 | 0.016804486003163456 | 0 | 0 | 0 | 0 | 0 | 0 | 204148 | 0.01703719628177387 | 171108 | 0.01657713880142136 | 147921 | 0.01568995783723582 | 117270 | 0.01452621643282105 Surplus d'apport | 1384 | 0.00011237743227310964 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 0.00011550188909014556 | 1387 | 0.00013437414684042495 | 1387 | 0.0001471188777810188 | 1387 | 0.00017180747158116139 BNR | 596000 | 0.04839374973610791 | 0 | 0 | 0 | 0 | 0 | 0 | 533658 | 0.044536493589645156 | 430252 | 0.041683306003162585 | 327886 | 0.034778817851555247 | 239810 | 0.029705226935744997 1074342 | 0.08723395617280141 | 0 | 0 | 0 | 0 | 0 | 0 | 1009190 | 0.08422207474774855 | 872747 | 0.08455272785330954 | 747194 | 0.07925475325501843 | 628467 | 0.07784810832169989 12315640 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 11982488 | 1 | 10321926 | 1 | 9427750 | 1 | 8072990 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 167986 | 211230 | 379216 | 0.44298236361334964 | 101957 | 160059 | 262016 | 0.38912509159745967 Avoirs à la BRH | 2617709 | 1051380 | 3669089 | 0.7134493058086081 | 2434581 | 1313119 | 3747700 | 0.6496200336206206 Avoirs à l'étranger | 699005 | 0 | 699005 | 1 | 541052 | 0 | 541052 | 1 Avoirs dans les banques locales | 1124 | 32544 | 33668 | 0.033384816442913155 | 874 | 15539 | 16413 | 0.05325047218668129 Autres liquidités | 48647 | 72082 | 120729 | 0.40294378318382496 | 75153 | 66786 | 141939 | 0.5294739289413057 3534471 | 1367236 | 4901707 | 0.7210694152057641 | 3153617 | 1555503 | 4709120 | 0.6696828706849688 Bons B.R.H. | 0 | 298391 | 298391 | 0 | 0 | 74992 | 74992 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 419800 | 295156 | 714956 | 0.5871690006098277 | 379837 | 701681 | 1081518 | 0.35120728457593864 Portefeuille net | 3041076 | 2596896 | 5637972 | 0.5393918238685825 | 3146348 | 2270599 | 5416947 | 0.580834185750756 Immobilisations | 0 | 293320 | 293320 | 0 | 0 | 297986 | 297986 | 0 Autres actifs | 168749 | 300545 | 469294 | 0.3595805614390979 | 140005 | 261920 | 401925 | 0.34833613236300304 7164096 | 5151544 | 12315640 | 0.5817071625997512 | 6819807 | 5162681 | 11982488 | 0.5691478263946519 PASSIF Dépôts À vue | 3073203 | 2462050 | 5535253 | 0.5552055163512851 | 2993731 | 2381549 | 5375280 | 0.5569441963953505 Épargne | 1595125 | 1081458 | 2676583 | 0.5959557390897274 | 1526477 | 1052573 | 2579050 | 0.59187569066129 À terme | 1955428 | 252230 | 2207658 | 0.8857477018632415 | 1934031 | 257737 | 2191768 | 0.8824068058298141 6623756 | 3795738 | 10419494 | 0.6357080295837783 | 6454239 | 3691859 | 10146098 | 0.6361301655079618 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 123957 | 210295 | 334252 | 0.37084894032047677 | 105235 | 208631 | 313866 | 0.33528639610534433 123957 | 210295 | 334252 | 0.37084894032047677 | 105235 | 208631 | 313866 | 0.33528639610534433 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 60293 | 60293 | 0 | 0 | 88007 | 88007 | 0 0 | 60293 | 60293 | 0 | 0 | 88007 | 88007 | 0 Autres passifs | 259311 | 167948 | 427259 | 0.6069175839479098 | 256534 | 168793 | 425327 | 0.6031453446407118 7007024 | 4234274 | 11241298 | 0.6233287294759021 | 6816008 | 4157290 | 10973298 | 0.6211448919003202 AVOIR DES ACTIONNAIRES Capital versé | 0 | 270000 | 270000 | 0 | 0 | 270000 | 270000 | 0 Réserves | 0 | 206958 | 206958 | 0 | 0 | 204148 | 204148 | 0 Surplus d'apport | 0 | 1384 | 1384 | 0 | 0 | 1384 | 1384 BNR | 0 | 596000 | 596000 | 0 | 0 | 533658 | 533658 | 0 0 | 1074342 | 1074342 | 0 | 0 | 1009190 | 1009190 | 0 7007024 | 5308616 | 12315640 | 0.5689532984075534 | 6816008 | 5166480 | 11982488 | 0.5688307803855093 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [CAPITALBKRÉSULT ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 180436 | 0 | 0 | 0 | 0 | 0 | 0 | 146250 | 0.033155555555555556 | 151099 | 0.1596767682115699 | 175226 | 0.012532386746259117 | 177422 Intérêts sur Bons B.R.H. | 6974 | 0 | 0 | 0 | 0 | 0 | 0 | 1920 | -0.06458333333333334 | 1796 | -0.8919821826280624 | 194 | 7.546391752577319 | 1658 Autres | 5085 | 0 | 0 | 0 | 0 | 0 | 0 | 948 | 2.988396624472574 | 3781 | -0.6077757207088071 | 1483 | 3.7929871881321646 | 7108 192495 | 0 | 0 | 0 | 0 | 0 | 0 | 149118 | 0.05068469265950455 | 156676 | 0.12910081952564528 | 176903 | 0.05248639084696133 | 186188 Dépenses d'intérêt | 18451 | 0 | 0 | 0 | 0 | 0 | 0 | 10644 | 0.10315670800450959 | 11742 | 0.18506216998807698 | 13915 | 0.20991735537190082 | 16836 174044 | 0 | 0 | 0 | 0 | 0 | 0 | 138474 | 0.046651356933431545 | 144934 | 0.12456704430982378 | 162988 | 0.03904581932412202 | 169352 AUTRES REVENUS Commissions | 100544 | 0 | 0 | 0 | 0 | 0 | 0 | 87484 | -0.0950573819212656 | 79168 | 0.17143290218270008 | 92740 | 0.025814103946517144 | 95134 Gains sur change | 24105 | 0 | 0 | 0 | 0 | 0 | 0 | 18296 | 0.2535526891123743 | 22935 | 0.008589492042729453 | 23132 | -0.11092858378004496 | 20566 Autres | 3141 | 0 | 0 | 0 | 0 | 0 | 0 | 1357 | 3.7759764185703757 | 6481 | -0.514581083166178 | 3146 | 0.3712650985378258 | 4314 127790 | 0 | 0 | 0 | 0 | 0 | 0 | 107137 | 0.013506071665251035 | 108584 | 0.09609150519413541 | 119018 | 0.00836848207834109 | 120014 PRODUIT NET BANCAIRE | 301834 | 0 | 0 | 0 | 0 | 0 | 0 | 245611 | 0.03219318353005362 | 253518 | 0.11237071923887061 | 282006 | 0.026098735487897422 | 289366 Dotation à la provisions pour créances douteuses | 11425 | 0 | 0 | 0 | 0 | 0 | 0 | 4936 | 0.1880064829821718 | 5864 | 1.8971691678035472 | 16989 | -0.7085761375007358 | 4951 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 290409 | 0 | 0 | 0 | 0 | 0 | 0 | 240675 | 0.02899761088604965 | 247654 | 0.07010991140865885 | 265017 | 0.07319530445216722 | 284415 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 72682 | 0 | 0 | 0 | 0 | 0 | 0 | 64399 | 0.014580971754219785 | 65338 | 0.021365820808717746 | 66734 | 0.09910989900200798 | 73348 Frais de locaux | 20991 | 0 | 0 | 0 | 0 | 0 | 0 | 19651 | 0.16258714569233118 | 22846 | -0.08443491201960956 | 20917 | 0.06731366830807477 | 22325 Amortissement | 12415 | 0 | 0 | 0 | 0 | 0 | 0 | 10801 | 0.08082584945838349 | 11674 | 0.030066815144766147 | 12025 | -0.020706860706860706 | 11776 Autres dépenses d'exploitation | 92882 | 0 | 0 | 0 | 0 | 0 | 0 | 74820 | 0.09534883720930233 | 81954 | 0.04092539717402445 | 85308 | 0.1936981291320861 | 101832 198970 | 0 | 0 | 0 | 0 | 0 | 0 | 169671 | 0.07155612921477447 | 181812 | 0.01744659318416826 | 184984 | 0.13134649483198546 | 209281 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 91439 | 0 | 0 | 0 | 0 | 0 | 0 | 71004 | -0.07270012957016506 | 65842 | 0.21553111995382887 | 80033 | -0.061212249946896904 | 75134 Impôts sur le revenu | 18288 | 0 | 0 | 0 | 0 | 0 | 0 | 14201 | -0.07267093866629111 | 13169 | 0.21573392057103805 | 16010 | -0.15196752029981261 | 13577 BÉNÉFICE NET | 73151 | 0 | 0 | 0 | 0 | 0 | 0 | 56803 | -0.07270742742460785 | 52673 | 0.21548041691189035 | 64023 | -0.038517407806569516 | 61557 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 180436 | 0.23375042735042734 | 146250 | 0 | 0 | 151099 | 0 | 0 | 175226 | 0 | 0 | 177422 | 180436 | 0.23375042735042734 | 146250 | 649997 Intérêts sur Bons B.R.H. | 6974 | 2.6322916666666667 | 1920 | 0 | 0 | 1796 | 0 | 0 | 194 | 0 | 0 | 1658 | 6974 | 2.6322916666666667 | 1920 | 5568 Autres | 5085 | 4.363924050632911 | 948 | 0 | 0 | 3781 | 0 | 0 | 1483 | 0 | 0 | 7108 | 5085 | 4.363924050632911 | 948 | 13320 192495 | 0.29089043576228224 | 149118 | 0 | 0 | 156676 | 0 | 0 | 176903 | 0 | 0 | 186188 | 192495 | 0.29089043576228224 | 149118 | 668885 Dépenses d'intérêt | 18451 | 0.7334648628335212 | 10644 | 0 | 0 | 11742 | 0 | 0 | 13915 | 0 | 0 | 16836 | 18451 | 0.7334648628335212 | 10644 | 53137 174044 | 0.2568713260251022 | 138474 | 0 | 0 | 144934 | 0 | 0 | 162988 | 0 | 0 | 169352 | 174044 | 0.2568713260251022 | 138474 | 615748 AUTRES REVENUS Commissions | 100544 | 0.14928444058342097 | 87484 | 0 | 0 | 79168 | 0 | 0 | 92740 | 0 | 0 | 95134 | 100544 | 0.14928444058342097 | 87484 | 354526 Gains sur change | 24105 | 0.3175010931351115 | 18296 | 0 | 0 | 22935 | 0 | 0 | 23132 | 0 | 0 | 20566 | 24105 | 0.3175010931351115 | 18296 | 84929 Autres | 3141 | 1.3146647015475312 | 1357 | 0 | 0 | 6481 | 0 | 0 | 3146 | 0 | 0 | 4314 | 3141 | 1.3146647015475312 | 1357 | 15298 127790 | 0.19277187152897693 | 107137 | 0 | 0 | 108584 | 0 | 0 | 119018 | 0 | 0 | 120014 | 127790 | 0.19277187152897693 | 107137 | 454753 PRODUIT NET BANCAIRE | 301834 | 0.2289107572543575 | 245611 | 0 | 0 | 253518 | 0 | 0 | 282006 | 0 | 0 | 289366 | 301834 | 0.2289107572543575 | 245611 | 1070501 Dotation à la provisions pour créances douteuses | 11425 | 1.3146272285251215 | 4936 | 0 | 0 | 5864 | 0 | 0 | 16989 | 0 | 0 | 4951 | 11425 | 1.3146272285251215 | 4936 | 32740 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 290409 | 0.20664381427235898 | 240675 | 0 | 0 | 247654 | 0 | 0 | 265017 | 0 | 0 | 284415 | 290409 | 0.20664381427235898 | 240675 | 1037761 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 72682 | 0.1286200096274787 | 64399 | 0 | 0 | 65338 | 0 | 0 | 66734 | 0 | 0 | 73348 | 72682 | 0.1286200096274787 | 64399 | 269819 Frais de locaux | 20991 | 0.06818991399928757 | 19651 | 0 | 0 | 22846 | 0 | 0 | 20917 | 0 | 0 | 22325 | 20991 | 0.06818991399928757 | 19651 | 85739 Amortissement | 12415 | 0.14943060827701138 | 10801 | 0 | 0 | 11674 | 0 | 0 | 12025 | 0 | 0 | 11776 | 12415 | 0.14943060827701138 | 10801 | 46276 Autres dépenses d'exploitation | 92882 | 0.24140604116546377 | 74820 | 0 | 0 | 81954 | 0 | 0 | 85308 | 0 | 0 | 101832 | 92882 | 0.24140604116546377 | 74820 | 343914 198970 | 0.17268124782667632 | 169671 | 0 | 0 | 181812 | 0 | 0 | 184984 | 0 | 0 | 209281 | 198970 | 0.17268124782667632 | 169671 | 745748 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 91439 | 0.28780068728522334 | 71004 | 0 | 0 | 65842 | 0 | 0 | 80033 | 0 | 0 | 75134 | 91439 | 0.28780068728522334 | 71004 | 292013 Impôts sur le revenu | 18288 | 0.28779663403985634 | 14201 | 0 | 0 | 13169 | 0 | 0 | 16010 | 0 | 0 | 13577 | 18288 | 0.28779663403985634 | 14201 | 56957 BÉNÉFICE NET | 73151 | 0.2878017006144042 | 56803 | 0 | 0 | 52673 | 0 | 0 | 64023 | 0 | 0 | 61557 | 73151 | 0.2878017006144042 | 56803 | 235056 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 180436 | 0.23375042735042734 | 146250 | 649997 | 0.20727301769498943 | 538401 | 0.1162317710816896 | 482338 | 0.2501794901701593 | 385815 Intérêts sur Bons B.R.H. | 6974 | 2.6322916666666667 | 1920 | 5568 | 0.6023021582733813 | 3475 | 28.95689655172414 | 116 | -0.8599033816425121 | 828 Autres | 5085 | 4.363924050632911 | 948 | 13320 | 0.07142857142857142 | 12432 | -0.1090088153085358 | 13953 | 0.5826905626134301 | 8816 192495 | 0.29089043576228224 | 149118 | 668885 | 0.20670277174422885 | 554308 | 0.11664017630694168 | 496407 | 0.2552679291658554 | 395459 Dépenses d'intérêt | 18451 | 0.7334648628335212 | 10644 | 53137 | 0.562806976265404 | 34001 | 0.38069520019491593 | 24626 | 0.44901441600470726 | 16995 174044 | 0.2568713260251022 | 138474 | 615748 | 0.18343208913199321 | 520307 | 0.10285704595988393 | 471781 | 0.24656770525069754 | 378464 AUTRES REVENUS Commissions | 100544 | 0.14928444058342097 | 87484 | 354526 | 0.1495804096032374 | 308396 | 0.19636276175623987 | 257778 | 0.1915906643060865 | 216331 Gains sur change | 24105 | 0.3175010931351115 | 18296 | 84929 | 0.19140071543803044 | 71285 | 0.22434433127801728 | 58223 | -0.1273923534613252 | 66723 Autres | 3141 | 1.3146647015475312 | 1357 | 15298 | -0.04833592534992224 | 16075 | -0.421658571685555 | 27795 | 0.07184173993521518 | 25932 127790 | 0.19277187152897693 | 107137 | 454753 | 0.1490741770181627 | 395756 | 0.15113613887305263 | 343796 | 0.112658825966225 | 308986 PRODUIT NET BANCAIRE | 301834 | 0.2289107572543575 | 245611 | 1070501 | 0.16858884159713905 | 916063 | 0.12320847694331744 | 815577 | 0.18638010037093608 | 687450 Dotation à la provisions pour créances douteuses | 11425 | 1.3146272285251215 | 4936 | 32740 | 0.14100508817174323 | 28694 | 0.6397508429053089 | 17499 | 0.11302633252766824 | 15722 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 290409 | 0.20664381427235898 | 240675 | 1037761 | 0.16948079096745547 | 887369 | 0.1118825478211403 | 798078 | 0.18809696782030821 | 671728 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 72682 | 0.1286200096274787 | 64399 | 269819 | 0.12432547305434134 | 239983 | 0.12523326800266324 | 213274 | 0.173285655343144 | 181775 Frais de locaux | 20991 | 0.06818991399928757 | 19651 | 85739 | 0.17621477762230087 | 72894 | 0.13386635141861622 | 64288 | 0.12140664247837007 | 57328 Amortissement | 12415 | 0.14943060827701138 | 10801 | 46276 | 0.1998236926028676 | 38569 | 0.17398715490213984 | 32853 | 0.1517669331089609 | 28524 Autres dépenses d'exploitation | 92882 | 0.24140604116546377 | 74820 | 343914 | 0.17420473828147673 | 292891 | 0.12288900731107934 | 260837 | 0.14789355325637787 | 227231 198970 | 0.17268124782667632 | 169671 | 745748 | 0.15738813695317821 | 644337 | 0.1279382829294252 | 571252 | 0.15437559865658432 | 494858 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 91439 | 0.28780068728522334 | 71004 | 292013 | 0.2015413608084532 | 243032 | 0.07144683590064631 | 226826 | 0.282444733420026 | 176870 Impôts sur le revenu | 18288 | 0.28779663403985634 | 14201 | 56957 | 0.17178595675519986 | 48607 | 0.07146478562768654 | 45365 | 0 | 0 BÉNÉFICE NET | 73151 | 0.2878017006144042 | 56803 | 235056 | 0.20898032660408897 | 194425 | 0.0714423484936157 | 181461 | 0.02595691751003562 | 176870 [cbnainfin] CITIBANK N.A. (CBNA) INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 6360128 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10293057936683124 | 7089895 | 0.32845246299483716 | 5336958 | -0.04285778336528615 | 5575930 | 0.08687783211152256 | 5130227 Bons B.R.H. | 796833 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 49563 | 0 | 0 | -1 | 399899 | 0.038914579652914894 | 384920 Prêts nets | 1798882 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24294844776717545 | 1447270 | 0.10429480620456698 | 1310583 | -0.17301740244842018 | 1584777 | -0.09951247506974789 | 1759910 Dépôts | 4588078 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1715683778508451 | 5538270 | 0.3210693126838655 | 4192263 | -0.11492202323057263 | 4736603 | 0.14503935450822397 | 4136629 Avoir des Actionnaires | 390175 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05593113004319257 | 369508 | 0.5537754454129925 | 237813 | 0.020717983054775825 | 232986 | 0.08365077371733155 | 215001 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 35810 | 0.1116629932015025 | 32213 | 0 | 0 | 34506 | 0 | 0 | 35649 | 0 | 0 | 29789 | 35810 | 0.1116629932015025 | 32213 Autres revenus | 52941 | 0.11043292222501888 | 47676 | 0 | 0 | 50046 | 0 | 0 | 134076 | 0 | 0 | 47171 | 52941 | 0.11043292222501888 | 47676 Dot. à la prov. pr créances douteuses | 101 | 1.0060008317984672 | -16831 | 0 | 0 | 37724 | 0 | 0 | -35555 | 0 | 0 | -2060 | 101 | 1.0060008317984672 | -16831 Dépenses d'exploitation | 59696 | -0.0964597617642162 | 66069 | 0 | 0 | 41767 | 0 | 0 | 53150 | 0 | 0 | 66845 | 59696 | -0.0964597617642162 | 66069 Bénéfice (perte) net | 19669 | -0.10473372781065089 | 21970 | 0 | 0 | 3492 | 0 | 0 | 104970 | 0 | 0 | 8366 | 19669 | -0.10473372781065089 | 21970 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.06134703578292764 | 0.04827264032561701 | 0 | 0.04995848519465114 | 0 | 0.05775875585072 | 0 | 0.05211755604279048 | 0.06134703578292764 | 0.04827264032561701 | 0.0521 | 0.0446 | 0.0418 | 0.04190867187748223 Dépôts en % de l'actif | 0.7213813935820159 | 0.7954428260922484 | 0 | 0.8017135969010147 | 0 | 0.7801178204169268 | 0 | 0.781149791357982 | 0.7213813935820159 | 0.7954428260922484 | 0.7811 | 0.7855 | 0.8495 | 0.8063247493726886 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0003530517210407771 | 0 | 0 | 0.0004 | 0.0214 | 0 | 0 Provisions pour créances douteuses en % des prêts improductifs bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.21330724070450097 | 0 | 0 | 0 | 0.9142 | 0 | 0 Prêts improductifs nets en % de l'avoir des actionnaires | -0.00019478439161914524 | -0.03579553547026149 | 0 | -0.1735915505956446 | 0 | -0.0059233164017696216 | 0 | 0.0010879331435313985 | -0.00019478439161914524 | -0.03579553547026149 | 0.0011 | 0.0103 | -0.1397 | -0.18212008316240388 Rentabilité ROA (rendement de l'actif) | 0.01169901345150116 | 0.01639782450801162 | 0 | 0.00258578103666161 | 0 | 0.07139614248621405 | 0 | 0.004983576342994076 | 0.01169901345150116 | 0.0164 | 0.0223 | -0.0003 | 0.0023 | 0.015211762423932816 ROE (rendement avoir des action.) | 0.2071284996505121 | 0.35321969316350277 | 0 | 0.05264348062050563 | 0 | 1.3181741837149543 | 0 | 0.09097334739726623 | 0.2071284996505121 | 0.3532 | 0.4571 | -0.0062 | 0.0556 | 0.34522411963514793 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8674903100775194 | 0.916626355177418 | 0 | 0.9526254762299156 | 0 | 0.9365542244640606 | 0 | 0.8393159021751381 | 0.8674903100775194 | 0.916626355177418 | 0.9119 | 0.9286 | 0.9207 | 0.9655977550714393 Rendement moyen des prêts | 0.08301721033661362 | 0.09080896225724018 | 0 | 0.08787875098910464 | 0 | 0.10406981271489854 | 0 | 0.09533439944863532 | 0.08301721033661362 | 0.0908 | 0.1018 | 0.087 | 0.0804 | 0.08571608944172886 Rendement moyen des prêts productifs | 0.08303091939280806 | 0.09166195627883743 | 0 | 0.08787875098910464 | 0 | 0.10406981271489854 | 0 | 0.09535188977576595 | 0.08303091939280806 | 0.0917 | 0.1029 | 0.0878 | 0.0804 | 0.08583481759118397 Rémunération moyenne des dépôts | 0.004321399975588436 | 0.0027664450048672435 | 0 | 0.0015911492785004994 | 0 | 0.0020790231087938157 | 0 | 0.004351743000693909 | 0.004321399975588436 | 0.0028 | 0.0026 | 0.0022 | 0.0025 | 0.00119841653804873 Dépenses d'exploitation en % du produit net bancaire | 0.6726234070602022 | 0.8270099763421748 | 0 | 0.4939800359542057 | 0 | 0.3131536308734718 | 0 | 0.8685680873180873 | 0.6726234070602022 | 0.8270099763421748 | 0.5542 | 0.9304 | 0.8116 | 0.7795988115251661 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 10923.2 | 8409.368421052632 | 0 | 8672 | 0 | 18858.333333333332 | 0 | 9328.484848484848 | 10923.2 | 8409.37 | 11746.46 | 6957.97 | 6927.4 | 7175.714285714285 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 90291 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2697370271410491 | 71110 | 0.5141384890554467 | 46964 | 0.11304924870834716 | 42194 | 0.09000258331180573 | 38710 Avoirs à la BRH | 3209832 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09426129474364701 | 3543883 | 0.17619123164297834 | 3013016 | 0.18785703528543504 | 2536514 | 0.31927261228058407 | 1922661 Avoirs à l'étranger | -135142 | 0 | 0 | 0 | 0 | 0 | 0 | -1.0965339303100197 | 1399943 | 3.371638775516577 | 320233 | -0.1904804036563663 | 395584 | -0.44836433969078704 | 717111 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 115398 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1583237139272271 | 99625 | -0.5452906488479936 | 219096 | -0.1088442014837954 | 245856 | 0.9527258863896302 | 125904 3280379 | 0 | 0 | 0 | 0 | 0 | 0 | -0.35861963519449663 | 5114561 | 0.4209841388999944 | 3599309 | 0.11774645140533914 | 3220148 | 0.14825419895834596 | 2804386 Bons B.R.H. | 796833 | 0 | 0 | 0 | 0 | 0 | 0 | 15.07717450517523 | 49563 | 0 | 0 | 0 | 399899 | 0.038914579652914894 | 384920 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 1798882 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24294844776717545 | 1447270 | 0.10429480620456698 | 1310583 | -0.17301740244842018 | 1584777 | -0.09951247506974789 | 1759910 Immobilisations | 356354 | 0 | 0 | 0 | 0 | 0 | 0 | -0.011607620812172885 | 360539 | -0.03363290599779676 | 373087 | 0.5055547260569717 | 247807 | 2.70890831262909 | 66814 Autres actifs | 127680 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08238246214882759 | 117962 | 1.185331332555253 | 53979 | -0.5622105613184211 | 123299 | 0.0797043705176143 | 114197 6360128 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10293057936683124 | 7089895 | 0.32845246299483716 | 5336958 | -0.04285778336528615 | 5575930 | 0.08687783211152256 | 5130227 PASSIF Dépôts À vue | 3912349 | 0 | 0 | 0 | 0 | 0 | 0 | -0.18759553258931863 | 4815765 | 0.46363423892016453 | 3290279 | 0.049343673647984296 | 3135559 | 0.04988491830438489 | 2986574 Épargne | 294638 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010712999331080733 | 291515 | -0.057281358738535966 | 309228 | -0.28014526154061037 | 429570 | 0.26051233897708265 | 340790 À terme | 381091 | 0 | 0 | 0 | 0 | 0 | 0 | -0.11577762825123553 | 430990 | -0.2729048714816889 | 592756 | -0.49400840308875826 | 1171474 | 0.44757774029520614 | 809265 4588078 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1715683778508451 | 5538270 | 0.3210693126838655 | 4192263 | -0.11492202323057263 | 4736603 | 0.14503935450822397 | 4136629 Obligations à vue Banques locales | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.5 | 200000 | 0 | 200000 | -0.375 | 320000 Banques à l'étranger | 140243 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 706720 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06495804030361069 | 663613 | 0.08932593122738823 | 609196 | 1.6268865239664005 | 231908 | -0.3483973206257867 | 355904 1146963 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19027348115892997 | 963613 | 0.19082768575227757 | 809196 | 0.8735378830676903 | 431908 | -0.360992093551747 | 675904 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 125367 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08661396848510063 | 115374 | 1.0587427062329366 | 56041 | -0.3014956998628942 | 80230 | 0.009157002339563784 | 79502 125367 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08661396848510063 | 115374 | 1.0587427062329366 | 56041 | -0.3014956998628942 | 80230 | 0.009157002339563784 | 79502 Autres passifs | 109545 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06220304470086299 | 103130 | 1.4764077320206508 | 41645 | -0.5579227837754637 | 94203 | 3.062049933163727 | 23191 5969953 | 0 | 0 | 0 | 0 | 0 | 0 | -0.11166529546587124 | 6720387 | 0.31794389059342304 | 5099145 | -0.045630087083076296 | 5342944 | 0.08701898956426418 | 4915226 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 Réserves | 70114 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 70114 | -0.12008835008722062 | 79683 | 0 | 79683 | 0.12951832846653247 | 70546 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 216224 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10568274211610937 | 195557 | 2.6018823789438787 | 54293 | 0.09758217765738082 | 49466 | 0.21783445762962234 | 40618 390175 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05593113004319257 | 369508 | 0.5537754454129925 | 237813 | 0.020717983054775825 | 232986 | 0.08365077371733155 | 215001 6360128 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10293057936683124 | 7089895 | 0.32845246299483716 | 5336958 | -0.04285778336528615 | 5575930 | 0.08687783211152256 | 5130227 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 94408.90849 | 0 | 0 | 0 | 68176 | 34241 | 66592 | 28682 Autres | 6014002.352270001 | 0 | 0 | 0 | 5921460 | 2960372 | 2729812 | 1397646 Portefeuille brut | 1798983 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24292376570078347 | 1447380 | 0.08279039704110007 | 1336713 | -0.17349918012311755 | 1617316 | -0.10102464278686829 | 1799066 Provisions pour créances douteuses | 101 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07339449541284404 | 109 | -0.9958285495598929 | 26130 | -0.19696364362764682 | 32539 | -0.1689907038512616 | 39156 Portefeuille de crédit improductif | 25 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9510763209393346 | 511 | 0 | 28583 | 0 | 0 | 0 | 0 [cbnacomp ] CITIBANK N.A. (CBNA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 90291 | 0.01419641239924731 | 0 | 0 | 0 | 0 | 0 | 0 | 71110 | 0.010029767718703874 | 46964 | 0.008799769456683001 | 42194 | 0.007567168167462648 | 38710 | 0.007545475083266296 Avoirs à la BRH | 3209832 | 0.5046804089477445 | 0 | 0 | 0 | 0 | 0 | 0 | 3543883 | 0.4998498567327161 | 3013016 | 0.5645568130759133 | 2536514 | 0.4549042043210729 | 1922661 | 0.3747711358581209 Avoirs à l'étranger | -135142 | -0.02124831449933083 | 0 | 0 | 0 | 0 | 0 | 0 | 1399943 | 0.1974560977278225 | 320233 | 0.060002908023634435 | 395584 | 0.07094493653973417 | 717111 | 0.13978153403348428 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 115398 | 0.018143974460891353 | 0 | 0 | 0 | 0 | 0 | 0 | 99625 | 0.014051689058864765 | 219096 | 0.04105259962697851 | 245856 | 0.044092375621645176 | 125904 | 0.024541604104457757 3280379 | 0.5157724813085522 | 0 | 0 | 0 | 0 | 0 | 0 | 5114561 | 0.7213874112381072 | 3599309 | 0.6744120901832092 | 3220148 | 0.5775086846499149 | 2804386 | 0.5466397490793292 Bons B.R.H. | 796833 | 0.12528568607424254 | 0 | 0 | 0 | 0 | 0 | 0 | 49563 | 0.006990653599242302 | 0 | 0 | 399899 | 0.07171879847846009 | 384920 | 0.07502981836866088 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 1798882 | 0.28283738943618747 | 0 | 0 | 0 | 0 | 0 | 0 | 1447270 | 0.20413137289057173 | 1310583 | 0.24556741874303675 | 1584777 | 0.28421752066471423 | 1759910 | 0.34304719849628484 Immobilisations | 356354 | 0.05602937550942371 | 0 | 0 | 0 | 0 | 0 | 0 | 360539 | 0.05085251615150859 | 373087 | 0.06990630242921154 | 247807 | 0.04444227241016297 | 66814 | 0.013023595252217884 Autres actifs | 127680 | 0.020075067671594032 | 0 | 0 | 0 | 0 | 0 | 0 | 117962 | 0.016638046120570193 | 53979 | 0.010114188644542452 | 123299 | 0.022112723796747807 | 114197 | 0.022259638803507134 6360128 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 7089895 | 1 | 5336958 | 1 | 5575930 | 1 | 5130227 | 1 PASSIF Dépôts À vue | 3912349 | 0.6151368337241011 | 0 | 0 | 0 | 0 | 0 | 0 | 4815765 | 0.6792434866806913 | 3290279 | 0.6165083180343559 | 3135559 | 0.5623383005166851 | 2986574 | 0.5821524076809856 Épargne | 294638 | 0.04632579721665979 | 0 | 0 | 0 | 0 | 0 | 0 | 291515 | 0.041116969997440016 | 309228 | 0.05794087193491124 | 429570 | 0.07704006327195642 | 340790 | 0.06642785981984813 À terme | 381091 | 0.05991876264125502 | 0 | 0 | 0 | 0 | 0 | 0 | 430990 | 0.06078933467985069 | 592756 | 0.11106626658856975 | 1171474 | 0.21009481826350043 | 809265 | 0.1577444818718548 4588078 | 0.7213813935820159 | 0 | 0 | 0 | 0 | 0 | 0 | 5538270 | 0.781149791357982 | 4192263 | 0.7855154565578368 | 4736603 | 0.849473182052142 | 4136629 | 0.8063247493726886 Obligations à vue Banques locales | 300000 | 0.047168862010324324 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.04231374371552752 | 200000 | 0.03747453137161656 | 200000 | 0.0358684560243762 | 320000 | 0.06237540755993838 Banques à l'étranger | 140243 | 0.02205034238304638 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 706720 | 0.11111726053312135 | 0 | 0 | 0 | 0 | 0 | 0 | 663613 | 0.09359983469430788 | 609196 | 0.11414667306731663 | 231908 | 0.041590909498505184 | 355904 | 0.06937392828816347 1146963 | 0.18033646492649205 | 0 | 0 | 0 | 0 | 0 | 0 | 963613 | 0.1359135784098354 | 809196 | 0.15162120443893318 | 431908 | 0.07745936552288138 | 675904 | 0.13174933584810186 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 125367 | 0.01971139574549443 | 0 | 0 | 0 | 0 | 0 | 0 | 115374 | 0.016273019558117573 | 56041 | 0.01050055106298382 | 80230 | 0.014388631134178514 | 79502 | 0.015496780161969441 125367 | 0.01971139574549443 | 0 | 0 | 0 | 0 | 0 | 0 | 115374 | 0.016273019558117573 | 56041 | 0.01050055106298382 | 80230 | 0.014388631134178514 | 79502 | 0.015496780161969441 Autres passifs | 109545 | 0.017223709963069926 | 0 | 0 | 0 | 0 | 0 | 0 | 103130 | 0.014546054631274511 | 41645 | 0.007803134294854859 | 94203 | 0.016894580814321557 | 23191 | 0.00452046273975791 5969953 | 0.9386529642170723 | 0 | 0 | 0 | 0 | 0 | 0 | 6720387 | 0.9478824439572096 | 5099145 | 0.9554403463546087 | 5342944 | 0.9582157595235234 | 4915226 | 0.9580913281225177 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0.016326243748553487 | 0 | 0 | 0 | 0 | 0 | 0 | 103837 | 0.014645774020630772 | 103837 | 0.019456214570172745 | 103837 | 0.01862236434101576 | 103837 | 0.02024023498375413 Réserves | 70114 | 0.011023991969972932 | 0 | 0 | 0 | 0 | 0 | 0 | 70114 | 0.009889286089568322 | 79683 | 0.014930415416422614 | 79683 | 0.014290530906951844 | 70546 | 0.013751048442885666 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 216224 | 0.03399680006440122 | 0 | 0 | 0 | 0 | 0 | 0 | 195557 | 0.027582495932591385 | 54293 | 0.010173023658795891 | 49466 | 0.008871345228508966 | 40618 | 0.007917388450842429 390175 | 0.06134703578292764 | 0 | 0 | 0 | 0 | 0 | 0 | 369508 | 0.05211755604279048 | 237813 | 0.04455965364539125 | 232986 | 0.04178424047647657 | 215001 | 0.04190867187748223 6360128 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 7089895 | 1 | 5336958 | 1 | 5575930 | 1 | 5130227 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 29033 | 61258 | 90291 | 0.321549213099866 | 42525 | 28585 | 71110 | 0.5980171565180706 Avoirs à la BRH | 1283094 | 1926738 | 3209832 | 0.39973867791211504 | 1219473 | 2324410 | 3543883 | 0.34410645046690314 Avoirs à l'étranger | -135142 | 0 | -135142 | 1 | 1399943 | 0 | 1399943 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 13288 | 102110 | 115398 | 0.11514930934678244 | 37258 | 62367 | 99625 | 0.37398243412797993 1190273 | 2090106 | 3280379 | 0.36284618332211005 | 2699199 | 2415362 | 5114561 | 0.5277479337913851 Bons B.R.H. | 0 | 796833 | 796833 | 0 | 0 | 49563 | 49563 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 1370542 | 428340 | 1798882 | 0.7618854377329919 | 995974 | 451296 | 1447270 | 0.6881742867605907 Immobilisations | 0 | 356354 | 356354 | 0 | 0 | 360539 | 360539 | 0 Autres actifs | 107936 | 19744 | 127680 | 0.8453634085213032 | 104861 | 13101 | 117962 | 0.8889388108034791 2668751 | 3691377 | 6360128 | 0.41960649219638346 | 3800034 | 3289861 | 7089895 | 0.5359788826209697 PASSIF Dépôts À vue | 1580652 | 2331697 | 3912349 | 0.4040161038803031 | 2853523 | 1962242 | 4815765 | 0.5925378418589777 Épargne | 282609 | 12029 | 294638 | 0.9591736300137796 | 268065 | 23450 | 291515 | 0.9195581702485293 À terme | 229350 | 151741 | 381091 | 0.6018247610150856 | 268662 | 162328 | 430990 | 0.6233601707696235 2092611 | 2495467 | 4588078 | 0.45609752057397457 | 3390250 | 2148020 | 5538270 | 0.6121496423973551 Obligations à vue Banques locales | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Banques à l'étranger | 140243 | 0 | 140243 | 0 | 0 | 0 | 0 | 0 Autres | 308011 | 398709 | 706720 | 0.4358317296807788 | 292008 | 371605 | 663613 | 0.44002754617525575 448254 | 698709 | 1146963 | 0.39081818681160596 | 292008 | 671605 | 963613 | 0.3030345169689492 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 21123 | 104244 | 125367 | 0.16848931537007347 | 18188 | 97186 | 115374 | 0.15764383656629744 21123 | 104244 | 125367 | 0.16848931537007347 | 18188 | 97186 | 115374 | 0.15764383656629744 Autres passifs | 109545 | 0 | 109545 | 1 | 103130 | 0 | 103130 | 1 2671533 | 3298420 | 5969953 | 0.44749648782829615 | 3803576 | 2916811 | 6720387 | 0.5659757391947815 AVOIR DES ACTIONNAIRES Capital versé | 0 | 103837 | 103837 | 0 | 0 | 103837 | 103837 | 0 Réserves | 0 | 70114 | 70114 | 0 | 0 | 70114 | 70114 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 216224 | 216224 | 0 | 0 | 195557 | 195557 | 0 0 | 390175 | 390175 | 0 | 0 | 369508 | 369508 | 0 2671533 | 3688595 | 6360128 | 0.42004390477675924 | 3803576 | 3286319 | 7089895 | 0.5364784668884377 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [CBNARÉSULT ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 33688 | 0 | 0 | 0 | 0 | 0 | 0 | 34865 | 0.0352502509680195 | 36094 | 0.04139192109491882 | 37588 | -0.11679259338086623 | 33198 Intérêts sur Bons B.R.H. | 7508 | 0 | 0 | 0 | 0 | 0 | 0 | 117 | -0.7008547008547008 | 35 | 8.514285714285714 | 333 | 5.3093093093093096 | 2101 Autres | 84 | 0 | 0 | 0 | 0 | 0 | 0 | 161 | -0.422360248447205 | 93 | 0.5376344086021505 | 143 | 0.34965034965034963 | 193 41280 | 0 | 0 | 0 | 0 | 0 | 0 | 35143 | 0.030703127223060067 | 36222 | 0.05085307271823754 | 38064 | -0.06757040773434216 | 35492 Dépenses d'intérêt | 5470 | 0 | 0 | 0 | 0 | 0 | 0 | 2930 | -0.4143344709897611 | 1716 | 0.40734265734265734 | 2415 | 1.3614906832298137 | 5703 35810 | 0 | 0 | 0 | 0 | 0 | 0 | 32213 | 0.0711824418712942 | 34506 | 0.03312467396974439 | 35649 | -0.16438048753120704 | 29789 AUTRES REVENUS Commissions | 12705 | 0 | 0 | 0 | 0 | 0 | 0 | 16148 | 0.030777805300966063 | 16645 | 0.23484529888855513 | 20554 | -0.3987545003405663 | 12358 Gains sur change | 40214 | 0 | 0 | 0 | 0 | 0 | 0 | 31494 | -0.005048580682034673 | 31335 | -0.10138822403063667 | 28158 | 0.23606079977271113 | 34805 Autres | 22 | 0 | 0 | 0 | 0 | 0 | 0 | 34 | 0 | 2066 | 0 | 85364 | -0.9999062836793028 | 8 52941 | 0 | 0 | 0 | 0 | 0 | 0 | 47676 | 0.049710546186760636 | 50046 | 1.67905526915238 | 134076 | -0.648177153256362 | 47171 PRODUIT NET BANCAIRE | 88751 | 0 | 0 | 0 | 0 | 0 | 0 | 79889 | 0.05836848627470616 | 84552 | 1.007344592676696 | 169725 | -0.5465606127559287 | 76960 Dotation à la provision pour créances douteuses | 101 | 0 | 0 | 0 | 0 | 0 | 0 | -16831 | 3.2413403838155785 | 37724 | -1.9425034460820698 | -35555 | 0.9420615947124173 | -2060 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 88650 | 0 | 0 | 0 | 0 | 0 | 0 | 96720 | -0.5158395368072788 | 46828 | 3.3837020585974202 | 205280 | -0.615062353858145 | 79020 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 22095 | 0 | 0 | 0 | 0 | 0 | 0 | 22623 | 0.04243469035936878 | 23583 | -0.058686341856422 | 22199 | 0.3160953196089914 | 29216 Frais de locaux | 2683 | 0 | 0 | 0 | 0 | 0 | 0 | 13874 | -0.7768487818941906 | 3096 | 0.039082687338501294 | 3217 | -0.10786447000310849 | 2870 Amortissement | 5831 | 0 | 0 | 0 | 0 | 0 | 0 | 5973 | 0.09241587142139629 | 6525 | -0.04398467432950191 | 6238 | -0.045527412632253926 | 5954 Autres dépenses d'exploitation | 29087 | 0 | 0 | 0 | 0 | 0 | 0 | 23599 | -0.6371456417644815 | 8563 | 1.510335162910195 | 21496 | 0.3400167473018236 | 28805 59696 | 0 | 0 | 0 | 0 | 0 | 0 | 66069 | -0.36782757420272744 | 41767 | 0.272535733952642 | 53150 | 0.2576669802445908 | 66845 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 28954 | 0 | 0 | 0 | 0 | 0 | 0 | 30651 | -0.8348830380737986 | 5061 | 29.0592768227623 | 152130 | -0.9199697627029514 | 12175 Impôts sur le revenu | 9285 | 0 | 0 | 0 | 0 | 0 | 0 | 8681 | -0.8192604538647621 | 1569 | 29.05736137667304 | 47160 | -0.9192324003392706 | 3809 BÉNÉFICE NET | 19669 | 0 | 0 | 0 | 0 | 0 | 0 | 21970 | -0.8410559854346836 | 3492 | 29.060137457044675 | 104970 | -0.9203010383919215 | 8366 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 33688 | -0.03375878388068263 | 34865 | 0 | 0 | 36094 | 0 | 0 | 37588 | 0 | 0 | 33198 | 33688 | -0.03375878388068263 | 34865 | 141745 Intérêts sur Bons B.R.H. | 7508 | 63.17094017094017 | 117 | 0 | 0 | 35 | 0 | 0 | 333 | 0 | 0 | 2101 | 7508 | 63.17094017094017 | 117 | 2586 Autres | 84 | -0.4782608695652174 | 161 | 0 | 0 | 93 | 0 | 0 | 143 | 0 | 0 | 193 | 84 | -0.4782608695652174 | 161 | 590 41280 | 0.1746293714253194 | 35143 | 0 | 0 | 36222 | 0 | 0 | 38064 | 0 | 0 | 35492 | 41280 | 0.1746293714253194 | 35143 | 144921 Dépenses d'intérêt | 5470 | 0.8668941979522184 | 2930 | 0 | 0 | 1716 | 0 | 0 | 2415 | 0 | 0 | 5703 | 5470 | 0.8668941979522184 | 2930 | 12764 35810 | 0.1116629932015025 | 32213 | 0 | 0 | 34506 | 0 | 0 | 35649 | 0 | 0 | 29789 | 35810 | 0.1116629932015025 | 32213 | 132157 AUTRES REVENUS Commissions | 12705 | -0.21321525885558584 | 16148 | 0 | 0 | 16645 | 0 | 0 | 20554 | 0 | 0 | 12358 | 12705 | -0.21321525885558584 | 16148 | 65705 Gains sur change | 40214 | 0.27687813551787643 | 31494 | 0 | 0 | 31335 | 0 | 0 | 28158 | 0 | 0 | 34805 | 40214 | 0.27687813551787643 | 31494 | 125792 Autres | 22 | -0.35294117647058826 | 34 | 0 | 0 | 2066 | 0 | 0 | 85364 | 0 | 0 | 8 | 22 | -0.35294117647058826 | 34 | 87472 52941 | 0.11043292222501888 | 47676 | 0 | 0 | 50046 | 0 | 0 | 134076 | 0 | 0 | 47171 | 52941 | 0.11043292222501888 | 47676 | 278969 PRODUIT NET BANCAIRE | 88751 | 0.11092891386799184 | 79889 | 0 | 0 | 84552 | 0 | 0 | 169725 | 0 | 0 | 76960 | 88751 | 0.11092891386799184 | 79889 | 411126 Dotation à la provision pour créances douteuses | 101 | 1.0060008317984672 | -16831 | 0 | 0 | 37724 | 0 | 0 | -35555 | 0 | 0 | -2060 | 101 | 1.0060008317984672 | -16831 | -16722 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 88650 | -0.08343672456575682 | 96720 | 0 | 0 | 46828 | 0 | 0 | 205280 | 0 | 0 | 79020 | 88650 | -0.08343672456575682 | 96720 | 427848 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 22095 | -0.02333907969765283 | 22623 | 0 | 0 | 23583 | 0 | 0 | 22199 | 0 | 0 | 29216 | 22095 | -0.02333907969765283 | 22623 | 97621 Frais de locaux | 2683 | -0.8066166930949978 | 13874 | 0 | 0 | 3096 | 0 | 0 | 3217 | 0 | 0 | 2870 | 2683 | -0.8066166930949978 | 13874 | 23057 Amortissement | 5831 | -0.023773648083040347 | 5973 | 0 | 0 | 6525 | 0 | 0 | 6238 | 0 | 0 | 5954 | 5831 | -0.023773648083040347 | 5973 | 24690 Autres dépenses d'exploitation | 29087 | 0.23255222678927073 | 23599 | 0 | 0 | 8563 | 0 | 0 | 21496 | 0 | 0 | 28805 | 29087 | 0.23255222678927073 | 23599 | 82463 59696 | -0.0964597617642162 | 66069 | 0 | 0 | 41767 | 0 | 0 | 53150 | 0 | 0 | 66845 | 59696 | -0.0964597617642162 | 66069 | 227831 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 28954 | -0.055365240938305436 | 30651 | 0 | 0 | 5061 | 0 | 0 | 152130 | 0 | 0 | 12175 | 28954 | -0.055365240938305436 | 30651 | 200017 Impôts sur le revenu | 9285 | 0.06957723764543255 | 8681 | 0 | 0 | 1569 | 0 | 0 | 47160 | 0 | 0 | 3809 | 9285 | 0.06957723764543255 | 8681 | 61219 BÉNÉFICE NET | 19669 | -0.10473372781065089 | 21970 | 0 | 0 | 3492 | 0 | 0 | 104970 | 0 | 0 | 8366 | 19669 | -0.10473372781065089 | 21970 | 138798 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 33688 | -0.03375878388068263 | 34865 | 141745 | 0.10308251426081137 | 128499 | -0.06451612903225806 | 137361 | 0.006639551500494669 | 136455 Intérêts sur Bons B.R.H. | 7508 | 63.17094017094017 | 117 | 2586 | -0.6823095823095823 | 8140 | 5.185410334346504 | 1316 | 0.025720966484801246 | 1283 Autres | 84 | -0.4782608695652174 | 161 | 590 | -0.28743961352657005 | 828 | -0.23545706371191136 | 1083 | -0.531371700562527 | 2311 41280 | 0.1746293714253194 | 35143 | 144921 | 0.05422392283238887 | 137467 | -0.016406697195191756 | 139760 | -0.002063563467072239 | 140049 Dépenses d'intérêt | 5470 | 0.8668941979522184 | 2930 | 12764 | 0.3007235300112096 | 9813 | -0.11443010558613843 | 11081 | 1.2999169779991697 | 4818 35810 | 0.1116629932015025 | 32213 | 132157 | 0.03527504034342833 | 127654 | -0.00796555770560853 | 128679 | -0.04845042926547907 | 135231 AUTRES REVENUS Commissions | 12705 | -0.21321525885558584 | 16148 | 65705 | 0.0737865664324236 | 61190 | -0.030853052044727422 | 63138 | 0.008497588090598345 | 62606 Gains sur change | 40214 | 0.27687813551787643 | 31494 | 125792 | 0.75275888975588 | 71768 | -0.03910883798149661 | 74689 | -0.04477554674510807 | 78190 Autres | 22 | -0.35294117647058826 | 34 | 87472 | 279.35897435897436 | 312 | 0.5678391959798995 | 199 | -0.1638655462184874 | 238 52941 | 0.11043292222501888 | 47676 | 278969 | 1.0932617993546936 | 133270 | -0.03445727616536015 | 138026 | -0.021328190365443794 | 141034 PRODUIT NET BANCAIRE | 88751 | 0.11092891386799184 | 79889 | 411126 | 0.5756542134874523 | 260924 | -0.021675634127594157 | 266705 | -0.03460445586664977 | 276265 Dotation à la provision pour créances douteuses | 101 | 1.0060008317984672 | -16831 | -16722 | -1.8581986143187066 | 19485 | -0.40118012231476075 | 32539 | 1.7588032274614058 | -42882 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 88650 | -0.08343672456575682 | 96720 | 427848 | 0.7720749340413107 | 241439 | 0.03105916315775988 | 234166 | -0.2662754154041868 | 319147 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 22095 | -0.02333907969765283 | 22623 | 97621 | -0.08961111629208245 | 107230 | 0.10716461368493872 | 96851 | -0.067008968566667 | 103807 Frais de locaux | 2683 | -0.8066166930949978 | 13874 | 23057 | 0.3767016957248627 | 16748 | -0.08215049049158765 | 18247 | -0.06098188554960889 | 19432 Amortissement | 5831 | -0.023773648083040347 | 5973 | 24690 | 0.40972935936964716 | 17514 | 0.34847551586079456 | 12988 | 1 | 6494 Autres dépenses d'exploitation | 29087 | 0.23255222678927073 | 23599 | 82463 | -0.1857757854617982 | 101278 | 0.14604173267550807 | 88372 | 0.03186645277194947 | 85642.865666 59696 | -0.0964597617642162 | 66069 | 227831 | -0.06153560983647073 | 242770 | 0.12155706880780567 | 216458 | 0.00502439923179764 | 215375.865666 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 28954 | -0.055365240938305436 | 30651 | 200017 | 151.27573253193088 | -1331 | -1.0751637677885701 | 17708 | -0.8293552430196566 | 103771.134334 Impôts sur le revenu | 9285 | 0.06957723764543255 | 8681 | 61219 | 492.7016129032258 | 124 | -0.9763899466869764 | 5252 | -0.8251839030722631 | 30043 BÉNÉFICE NET | 19669 | -0.10473372781065089 | 21970 | 138798 | 96.39381443298969 | -1455 | -1.116811175337187 | 12456 | -0.8310549953214282 | 73728.134334 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 6133682 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03866949936379465 | 5905326 | 0.013123557708226572 | 5828831 | 0.17759799812637495 | 4949763 | 0.07976202214425264 | 4584124 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 150000 Prêts nets | 2063611 | 0 | 0 | 0 | 0 | 0 | 0 | -0.042044265526311145 | 2154182 | -0.02158907942217771 | 2201715 | 0.055191451938721964 | 2086555 | 0.14401173753065558 | 1823893 Dépôts | 5226196 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04008702491338904 | 5024768 | 0.06704403899381914 | 4709054 | 0.12979488543953652 | 4168061 | 0.10671961212275699 | 3766140 Avoir des Actionnaires | 272759 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1032422725029729 | 247234 | -0.04158008993642425 | 257960 | 0.2651237610408973 | 203901 | -0.05401242443503153 | 215543 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 46892 | 0.0048644594449801775 | 46665 | 0 | 0 | 47477 | 0 | 0 | 47277 | 0 | 0 | 46877 | 46892 | 0.0048644594449801775 | 46665 Autres revenus | 26940 | 0.20666487503359313 | 22326 | 0 | 0 | 23571 | 0 | 0 | 24074 | 0 | 0 | 23377 | 26940 | 0.20666487503359313 | 22326 Dot. à la prov. pr créances douteuses | -5602 | -2.5141768251479855 | 3699.7 | 0 | 0 | -3049.7 | 0 | 0 | 15907 | 0 | 0 | -15914.7 | -5602 | -2.5141768251479855 | 3699.7 Dépenses d'exploitation | 46383 | -0.21870736267623428 | 59367 | 0 | 0 | 60475 | 0 | 0 | 66686 | 0 | 0 | 89808 | 46383 | -0.21870736267623428 | 59367 Bénéfice (perte) net | 23135.7 | 4.855493772636039 | 3951.1100000000033 | 0 | 0 | 9308.199999999997 | 0 | 0 | -14241.7 | 0 | 0 | -6880.500000000003 | 23135.7 | 4.855493772636039 | 3951.1100000000033 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.04446904811824284 | 0.030082118063957584 | 0 | 0.045575735651482346 | 0 | 0.0432620301248619 | 0 | 0.04186627461379778 | 0.04446904811824284 | 0.030082118063957584 | 0.0419 | 0.0443 | 0.0412 | 0.04701945235338311 Dépôts en % de l'actif | 0.8520487367946366 | 0.8147346034511499 | 0 | 0.8418603021583528 | 0 | 0.8401637614777273 | 0 | 0.8508874869905574 | 0.8520487367946366 | 0.8147346034511499 | 0.8509 | 0.8079 | 0.8421 | 0.821561545891865 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.06594121967427166 | 0.08952756527635604 | 0 | 0.0718222388237441 | 0 | 0.06543265926120789 | 0 | 0.06629814765616104 | 0.06594121967427166 | 0.08952756527635604 | 0.0663 | 0.0809 | 0.1275 | 0.15879277540020423 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.571503330834618 | 0.4285063134007021 | 0 | 0.5030656185511672 | 0 | 0.6467353595351883 | 0 | 0.575245317582721 | 0.571503330834618 | 0.4285063134007021 | 0.5752 | 0.4563 | 0.5981 | 0.47129363134844704 Prêts improductifs nets en % de l'avoir des actionnaires | 0.22214482381882908 | 0.658362055000363 | 0 | 0.31552100216610873 | 0 | 0.21778655494435206 | 0 | 0.2550943640437804 | 0.22214482381882908 | 0.658362055000363 | 0.2551 | 0.3899 | 0.5676 | 0.7678792630704778 Rentabilité ROA (rendement de l'actif) | 0.01537382482011807 | 0.002683317805306131 | 0 | 0.006340200146581622 | 0 | -0.009842126668392058 | 0 | -0.004709689773443081 | 0.01537382482011807 | 0.0027 | -0.0013 | 0.0147 | 0.0078 | 0.014888161818713136 ROE (rendement avoir des action.) | 0.35593863763550665 | 0.07233534030395199 | 0 | 0.1680616585982373 | 0 | -0.22156931382387032 | 0 | -0.11066834480013193 | 0.35593863763550665 | 0.0619 | -0.0311 | 0.3442 | 0.1765 | 0.31693492667451667 Revenus nets d'intérêt en % des revenus d'intérêt | 0.9934324816745053 | 0.982296973013935 | 0 | 0.9842648644166183 | 0 | 0.9810541606142353 | 0 | 0.9786021460481817 | 0.9934324816745053 | 0.982296973013935 | 0.9816 | 0.9792 | 0.9656 | 0.9225581803376777 Rendement moyen des prêts | 0.08528610727140844 | 0.08148451085304642 | 0 | 0.08200135748986842 | 0 | 0.08013679854402148 | 0 | 0.08099529742201259 | 0.08528610727140844 | 0.0815 | 0.083 | 0.0985 | 0.0975 | 0.11418264743134997 Rendement moyen des prêts productifs | 0.09132482994568081 | 0.08907736199682834 | 0 | 0.08919161422469289 | 0 | 0.08604020827578347 | 0 | 0.08670521442823137 | 0.09132482994568081 | 0.0891 | 0.0896 | 0.1099 | 0.1136 | 0.13566079403796813 Rémunération moyenne des dépôts | 0.00024192846643496162 | 0.0007039502195868499 | 0 | 0.0006242919268011547 | 0 | 0.000750231391534403 | 0 | 0.0007016106413457097 | 0.00024192846643496162 | 0.0007 | 0.0007 | 0.0011 | 0.0018 | 0.004791948057443248 Dépenses d'exploitation en % du produit net bancaire | 0.6282235345107813 | 0.860503543940514 | 0 | 0.8511851142889314 | 0 | 0.9346189962299056 | 0 | 1.2783329063113844 | 0.6282235345107813 | 0.860503543940514 | 0.9812 | 0.8469 | 0.7041 | 0.6330670183059262 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 3375.177142857143 | 3049.3259668508285 | 0 | 3140.243093922652 | 0 | 3171.1555555555556 | 0 | 3122.4 | 3375.177142857143 | 3049.33 | 3129.38 | 3710.37 | 3646.36 | 3727.8072289156626 [scotiavar] SCOTIA BANK (SCOTIA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 94300 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11963335866261399 | 84224 | 0.03944315545243619 | 81028 | -0.0012449309124973808 | 81129 | 0.9219416279730882 | 42212 Avoirs à la BRH | 2414139 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1416031270747702 | 2114692 | 0.07250859019386578 | 1971725 | 0.20421497380222836 | 1637353 | 0.202184905663148 | 1361981 Avoirs à l'étranger | 1449049 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0030894664630558514 | 1444586 | 0.0340289439288327 | 1397046 | 0.36950927696800434 | 1020107 | -0.07257941342255032 | 1099940 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 34323 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3338832068624216 | 51527 | -0.3939426017407669 | 85020 | 0.4186787698776886 | 59929 | 0.40526661351592175 | 42646 3991811 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08031926136438983 | 3695029 | 0.04532339562506595 | 3534819 | 0.2631038999927819 | 2798518 | 0.09884603257683529 | 2546779 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 2063611 | 0 | 0 | 0 | 0 | 0 | 0 | -0.042044265526311145 | 2154182 | -0.02158907942217771 | 2201715 | 0.055191451938721964 | 2086555 | 0.14401173753065558 | 1823893 Immobilisations | 65712 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3740381398461024 | 47824 | -0.36722326602979705 | 75578 | 0.38647245510080536 | 54511 | 0.12130250545110462 | 48614 Autres actifs | 12548 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5134483174526595 | 8291 | -0.5040971349961122 | 16719 | 0.6424992631889184 | 10179 | -0.3139911039223615 | 14838 6133682 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03866949936379465 | 5905326 | 0.013123557708226572 | 5828831 | 0.17759799812637495 | 4949763 | 0.07976202214425264 | 4584124 PASSIF Dépôts À vue | 3211364 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04694687061614202 | 3067361 | 0.10604724252721702 | 2773264 | 0.25106869801995385 | 2216716 | 0.1587115484031829 | 1913087 Épargne | 1689229 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1098030481611565 | 1522098 | 0.09625618765084255 | 1388451 | 0.07619680253242657 | 1290146 | 0.12781506625382233 | 1143934 À terme | 325603 | 0 | 0 | 0 | 0 | 0 | 0 | -0.25201868098293395 | 435309 | -0.2046811939218656 | 547339 | -0.17220231730538008 | 661199 | -0.06757681009816406 | 709119 5226196 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04008702491338904 | 5024768 | 0.06704403899381914 | 4709054 | 0.12979488543953652 | 4168061 | 0.10671961212275699 | 3766140 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 229687 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04569542453903938 | 219650 | 0.2760555852485302 | 172132 | 0.0739120940824157 | 160285 | -0.29681673408147685 | 227942 229687 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04569542453903938 | 219650 | 0.2760555852485302 | 172132 | 0.0739120940824157 | 160285 | -0.29681673408147685 | 227942 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 29171 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09251827655934049 | 32145 | -0.5015197097044319 | 64486 | 0.19586825903122915 | 53924 | 0.9178432976491091 | 28117 29171 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09251827655934049 | 32145 | -0.5015197097044319 | 64486 | 0.19586825903122915 | 53924 | 0.9178432976491091 | 28117 Autres passifs | 375869 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0148350453045509 | 381529 | -0.3897479042672813 | 625199 | 0.7195070298576426 | 363592 | 0.04968502982256584 | 346382 5860923 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03584795015704941 | 5658092 | 0.015656618148221346 | 5570871 | 0.17383754521307193 | 4745862 | 0.08636236800920025 | 4368581 AVOIR DES ACTIONNAIRES Capital versé | 94373 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 94373 | 0 | 94373 | 0 | 94373 | 1.0596363328105794e-05 | 94372 Réserves | 72418 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01683455972195824 | 73658 | -0.0032612078647884274 | 73899 | 0.02816 | 71875 | 0.06377467957256608 | 67566 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 105968 | 0 | 0 | 0 | 0 | 0 | 0 | 0.33792911884650834 | 79203 | -0.1169052716082419 | 89688 | 1.381961596685523 | 37653 | -0.2975841805801698 | 53605 272759 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1032422725029729 | 247234 | -0.04158008993642425 | 257960 | 0.2651237610408973 | 203901 | -0.05401242443503153 | 215543 6133682 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03866949936379465 | 5905326 | 0.013123557708226572 | 5828831 | 0.17759799812637495 | 4949763 | 0.07976202214425264 | 4584124 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 98069 | 0 | 0 | 0 | 81071 | 3467 | 3048 | 4817 Autres | 1308343 | 0 | 0 | 0 | 1475592 | 354237 | 293648 | 205630 Portefeuille brut | 2144425 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04249429026230189 | 2239595 | -0.02035064666362512 | 2286119 | 0.012091786545635173 | 2258806 | 0.14576974796480324 | 1971431 Provisions pour créances douteuses | 80814 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05384426258297917 | 85413 | 0.011954409743614046 | 84404 | -0.5099929985730094 | 172250.6 | 0.1674998983312774 | 147538 Portefeuille de crédit improductif | 141406 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04764919417299183 | 148481 | -0.1973435971176353 | 184987 | -0.3576394194041253 | 287980 | -0.08008011525352261 | 313049 [scotiacomp ] SCOTIA BANK (SCOTIA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 94300 | 0.015374126014358096 | 0 | 0 | 0 | 0 | 0 | 0 | 84224 | 0.014262379418172681 | 81028 | 0.013901243662751589 | 81129 | 0.016390481726094766 | 42212 | 0.009208302393216239 Avoirs à la BRH | 2414139 | 0.39358724498596437 | 0 | 0 | 0 | 0 | 0 | 0 | 2114692 | 0.35809911256381105 | 1971725 | 0.33827108729005867 | 1637353 | 0.33079422186476404 | 1361981 | 0.297108237037218 Avoirs à l'étranger | 1449049 | 0.23624455914082276 | 0 | 0 | 0 | 0 | 0 | 0 | 1444586 | 0.24462425952436834 | 1397046 | 0.23967859078432707 | 1020107 | 0.20609208966166662 | 1099940 | 0.23994551630802308 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 34323 | 0.005595823193964082 | 0 | 0 | 0 | 0 | 0 | 0 | 51527 | 0.008725513206214187 | 85020 | 0.014586115123255418 | 59929 | 0.012107448376821274 | 42646 | 0.009302976970081962 3991811 | 0.6508017533351094 | 0 | 0 | 0 | 0 | 0 | 0 | 3695029 | 0.6257112647125662 | 3534819 | 0.6064370368603927 | 2798518 | 0.5653842416293468 | 2546779 | 0.5555650327085393 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 2063611 | 0.33643918938086453 | 0 | 0 | 0 | 0 | 0 | 0 | 2154182 | 0.36478629630269355 | 2201715 | 0.37772839871322395 | 2086555 | 0.4215464457591202 | 1823893 | 0.39787165443168643 Immobilisations | 65712 | 0.010713304015434775 | 0 | 0 | 0 | 0 | 0 | 0 | 47824 | 0.008098452143031561 | 75578 | 0.012966236283055727 | 54511 | 0.011012850514256945 | 48614 | 0.010604861474078799 Autres actifs | 12548 | 0.002045753268591362 | 0 | 0 | 0 | 0 | 0 | 0 | 8291 | 0.0014039868417086542 | 16719 | 0.0028683281433275385 | 10179 | 0.0020564620972761726 | 14838 | 0.0032368234367133176 6133682 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5905326 | 0.9999999999999999 | 5828831 | 0.9999999999999999 | 4949763 | 1 | 4584124 | 0.9672783720510179 PASSIF Dépôts À vue | 3211364 | 0.5235621931492372 | 0 | 0 | 0 | 0 | 0 | 0 | 3067361 | 0.5194228057858279 | 2773264 | 0.47578390932933207 | 2216716 | 0.44784285631453463 | 1913087 | 0.4173288069868965 Épargne | 1689229 | 0.2754021157275516 | 0 | 0 | 0 | 0 | 0 | 0 | 1522098 | 0.2577500378471908 | 1388451 | 0.23820402410020122 | 1290146 | 0.2606480350675376 | 1143934 | 0.24954255164127323 À terme | 325603 | 0.05308442791784771 | 0 | 0 | 0 | 0 | 0 | 0 | 435309 | 0.0737146433575386 | 547339 | 0.09390201911841328 | 661199 | 0.13358195129746617 | 709119 | 0.15469018726369532 5226196 | 0.8520487367946366 | 0 | 0 | 0 | 0 | 0 | 0 | 5024768 | 0.8508874869905574 | 4709054 | 0.8078899525479466 | 4168061 | 0.8420728426795384 | 3766140 | 0.821561545891865 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 229687 | 0.037446838619934975 | 0 | 0 | 0 | 0 | 0 | 0 | 219650 | 0.03719523697760293 | 172132 | 0.029531135831524367 | 160285 | 0.032382358508882145 | 227942 | 0.04972422211964598 229687 | 0.037446838619934975 | 0 | 0 | 0 | 0 | 0 | 0 | 219650 | 0.03719523697760293 | 172132 | 0.029531135831524367 | 160285 | 0.032382358508882145 | 227942 | 0.04972422211964598 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 29171 | 0.004755870943423542 | 0 | 0 | 0 | 0 | 0 | 0 | 32145 | 0.005443391270862946 | 64486 | 0.011063281814140777 | 53924 | 0.010894258977652062 | 28117 | 0.006133560086943547 29171 | 0.004755870943423542 | 0 | 0 | 0 | 0 | 0 | 0 | 32145 | 0.005443391270862946 | 64486 | 0.011063281814140777 | 53924 | 0.010894258977652062 | 28117 | 0.006133560086943547 Autres passifs | 375869 | 0.06127950552376207 | 0 | 0 | 0 | 0 | 0 | 0 | 381529 | 0.064607610147179 | 625199 | 0.10725975757403157 | 363592 | 0.07345644629853995 | 346382 | 0.0755612195481623 5860923 | 0.9555309518817572 | 0 | 0 | 0 | 0 | 0 | 0 | 5658092 | 0.9581337253862022 | 5570871 | 0.9557441277676433 | 4745862 | 0.9588059064646125 | 4368581 | 0.9529805476466169 AVOIR DES ACTIONNAIRES Capital versé | 94373 | 0.01538602751169689 | 0 | 0 | 0 | 0 | 0 | 0 | 94373 | 0.01598099749277178 | 94373 | 0.016190725035603194 | 94373 | 0.0190661653901409 | 94372 | 0.020586703152008976 Réserves | 72418 | 0.011806611428502489 | 0 | 0 | 0 | 0 | 0 | 0 | 73658 | 0.012473147121767706 | 73899 | 0.012678185385714563 | 71875 | 0.014520897263161893 | 67566 | 0.014739130093339534 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 105968 | 0.017276409178043465 | 0 | 0 | 0 | 0 | 0 | 0 | 79203 | 0.013412129999258296 | 89688 | 0.015386961811038954 | 37653 | 0.007607030882084658 | 53605 | 0.0116936191080346 272759 | 0.04446904811824284 | 0 | 0 | 0 | 0 | 0 | 0 | 247234 | 0.04186627461379778 | 257960 | 0.04425587223235671 | 203901 | 0.04119409353538745 | 215543 | 0.04701945235338311 6133682 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5905326 | 1 | 5828831 | 1 | 4949763 | 1 | 4584124 | 1 [scotiagdes&$] SCOTIA BANK (SCOTIA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 42209 | 52091 | 94300 | 0.4476033934252386 | 30150 | 54074 | 84224 | 0.35797397416413373 Avoirs à la BRH | 1229128 | 1185011 | 2414139 | 0.5091372120660823 | 1133224 | 981468 | 2114692 | 0.5358813482057907 Avoirs à l'étranger | 1449049 | 0 | 1449049 | 1 | 1444586 | 0 | 1444586 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 18013 | 16310 | 34323 | 0.5248084374908953 | 35859 | 15668 | 51527 | 0.695926407514507 2738399 | 1253412 | 3991811 | 0.6860041720412113 | 2643819 | 1051210 | 3695029 | 0.7155069689574831 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 426866 | 1636745 | 2063611 | 0.2068539080282088 | 470102 | 1684080 | 2154182 | 0.2182276149368995 Immobilisations | 0 | 65712 | 65712 | 0 | 0 | 47824 | 47824 | 0 Autres actifs | -5892 | 18440 | 12548 | -0.46955690149824675 | -426 | 8717 | 8291 | -0.05138101555903992 3159373 | 2974309 | 6133682 | 0.5150858815308651 | 3113495 | 2791831 | 5905326 | 0.5272350755910851 PASSIF Dépôts À vue | 1813309 | 1398055 | 3211364 | 0.5646538355664447 | 1841754 | 1225607 | 3067361 | 0.6004360099773062 Épargne | 792166 | 897063 | 1689229 | 0.46895121975765275 | 705571 | 816527 | 1522098 | 0.4635516241398386 À terme | 47399 | 278204 | 325603 | 0.14557298304991048 | 61454 | 373855 | 435309 | 0.14117328150807817 2652874 | 2573322 | 5226196 | 0.5076108894499939 | 2608779 | 2415989 | 5024768 | 0.5191839702847972 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 135500 | 94187 | 229687 | 0.5899332569975663 | 130316 | 89334 | 219650 | 0.5932893239244252 135500 | 94187 | 229687 | 0.5899332569975663 | 130316 | 89334 | 219650 | 0.5932893239244252 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 29171 | 29171 | 0 | 0 | 32145 | 32145 | 0 0 | 29171 | 29171 | 0 | 0 | 32145 | 32145 | 0 Autres passifs | 367928 | 7941 | 375869 | 0.9788729583977397 | 374400 | 7129 | 381529 | 0.9813146576013881 3156302 | 2704621 | 5860923 | 0.5385332651529461 | 3113495 | 2544597 | 5658092 | 0.5502729542043502 AVOIR DES ACTIONNAIRES Capital versé | 0 | 94373 | 94373 | 0 | 0 | 94373 | 94373 | 0 Réserves | 0 | 72418 | 72418 | 0 | 0 | 73658 | 73658 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 105968 | 105968 | 0 | 0 | 79203 | 79203 | 0 0 | 272759 | 272759 | 0 | 0 | 247234 | 247234 | 0 3156302 | 2977380 | 6133682 | 0.5145852034715852 | 3113495 | 2791831 | 5905326 | 0.5272350755910851 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [SCOTIARÉSULT ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 46737 | 0 | 0 | 0 | 0 | 0 | 0 | 46748 | 0.01694190125780782 | 47540 | -0.011506100126209508 | 46993 | -0.009724852637626881 | 46536 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | 0 | 0 | 0 | 0 Autres | 465 | 0 | 0 | 0 | 0 | 0 | 0 | 758 | -0.08179419525065963 | 696 | 0.7198275862068966 | 1197 | 0.14118629908103592 | 1366 47202 | 0 | 0 | 0 | 0 | 0 | 0 | 47506 | 0.01536648002357597 | 48236 | -0.0009536445808110125 | 48190 | -0.005976343639759286 | 47902 Dépenses d'intérêt | 310 | 0 | 0 | 0 | 0 | 0 | 0 | 841 | -0.09750297265160524 | 759 | 0.2028985507246377 | 913 | 0.12267250821467689 | 1025 46892 | 0 | 0 | 0 | 0 | 0 | 0 | 46665 | 0.0174006214507661 | 47477 | -0.004212566084630453 | 47277 | -0.008460773737758318 | 46877 AUTRES REVENUS Commissions | 18096 | 0 | 0 | 0 | 0 | 0 | 0 | 18481 | -0.15258914560900383 | 15661 | 0.09494923695804866 | 17148 | 0.2453347329134593 | 21355 Gains sur change | 8252 | 0 | 0 | 0 | 0 | 0 | 0 | 9612 | -0.03714107365792759 | 9255 | -0.24689357104267964 | 6970 | 0.015781922525107604 | 7080 Autres | 592 | 0 | 0 | 0 | 0 | 0 | 0 | -5767 | 0.7667764869082712 | -1345 | 0.9672862453531599 | -44 | -113.95454545454545 | -5058 26940 | 0 | 0 | 0 | 0 | 0 | 0 | 22326 | 0.055764579414135984 | 23571 | 0.02133978193542913 | 24074 | -0.028952396776605466 | 23377 PRODUIT NET BANCAIRE | 73832 | 0 | 0 | 0 | 0 | 0 | 0 | 68991 | 0.02981548317896537 | 71048 | 0.004264722441166535 | 71351 | -0.01537469692085605 | 70254 Dotation à la provision pour créances douteuses | -5602 | 0 | 0 | 0 | 0 | 0 | 0 | 3699.7 | -1.8243100791956104 | -3049.7 | 6.215922877660098 | 15907 | -2.00048406361979 | -15914.7 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 79434 | 0 | 0 | 0 | 0 | 0 | 0 | 65291.3 | 0.1348786132302465 | 74097.7 | -0.2517446560419554 | 55444 | 0.554157347954693 | 86168.7 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 18420 | 0 | 0 | 0 | 0 | 0 | 0 | 23848 | -0.11003019121100302 | 21224 | -0.12283264229174519 | 18617 | 0.4148359026696031 | 26340 Frais de locaux | 5296 | 0 | 0 | 0 | 0 | 0 | 0 | 5321 | -0.047171584288667544 | 5070 | 0.022879684418145956 | 5186 | 0.00674893945237177 | 5221 Amortissement | 1295 | 0 | 0 | 0 | 0 | 0 | 0 | 1254 | -0.11802232854864433 | 1106 | 0.0433996383363472 | 1154 | 0.3006932409012132 | 1501 Autres dépenses d'exploitation | 21372 | 0 | 0 | 0 | 0 | 0 | 0 | 28944 | 0.14272388059701493 | 33075 | 0.26164777021919877 | 41729 | 0.3598696350260011 | 56746 46383 | 0 | 0 | 0 | 0 | 0 | 0 | 59367 | 0.0186635673016996 | 60475 | 0.1027035965274907 | 66686 | 0.34672944845994663 | 89808 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 33051 | 0 | 0 | 0 | 0 | 0 | 0 | 5924.300000000003 | 1.29946153975997 | 13622.699999999997 | -1.8252402240378194 | -11242 | 0.6762764632627644 | -3639.300000000003 Impôts sur le revenu | 9915.3 | 0 | 0 | 0 | 0 | 0 | 0 | 1973.1899999999998 | 1.1865608481697154 | 4314.5 | -0.30473983080310585 | 2999.7 | 0.08050805080508051 | 3241.2 BÉNÉFICE NET | 23135.7 | 0 | 0 | 0 | 0 | 0 | 0 | 3951.1100000000033 | 1.3558443070428283 | 9308.199999999997 | -2.530016544552116 | -14241.7 | 0.5168764964856722 | -6880.500000000003 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 46737 | -0.00023530418413621974 | 46748 | 0 | 0 | 47540 | 0 | 0 | 46993 | 0 | 0 | 46536 | 46737 | -0.00023530418413621974 | 46748 | 187817 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 465 | -0.3865435356200528 | 758 | 0 | 0 | 696 | 0 | 0 | 1197 | 0 | 0 | 1366 | 465 | -0.3865435356200528 | 758 | 4017 47202 | -0.006399191681050815 | 47506 | 0 | 0 | 48236 | 0 | 0 | 48190 | 0 | 0 | 47902 | 47202 | -0.006399191681050815 | 47506 | 191834 Dépenses d'intérêt | 310 | -0.6313912009512486 | 841 | 0 | 0 | 759 | 0 | 0 | 913 | 0 | 0 | 1025 | 310 | -0.6313912009512486 | 841 | 3538 46892 | 0.0048644594449801775 | 46665 | 0 | 0 | 47477 | 0 | 0 | 47277 | 0 | 0 | 46877 | 46892 | 0.0048644594449801775 | 46665 | 188296 AUTRES REVENUS Commissions | 18096 | -0.0208322060494562 | 18481 | 0 | 0 | 15661 | 0 | 0 | 17148 | 0 | 0 | 21355 | 18096 | -0.0208322060494562 | 18481 | 72645 Gains sur change | 8252 | -0.14148980441115272 | 9612 | 0 | 0 | 9255 | 0 | 0 | 6970 | 0 | 0 | 7080 | 8252 | -0.14148980441115272 | 9612 | 32917 Autres | 592 | 1.102653025836657 | -5767 | 0 | 0 | -1345 | 0 | 0 | -44 | 0 | 0 | -5058 | 592 | 1.102653025836657 | -5767 | -12214 26940 | 0.20666487503359313 | 22326 | 0 | 0 | 23571 | 0 | 0 | 24074 | 0 | 0 | 23377 | 26940 | 0.20666487503359313 | 22326 | 93348 PRODUIT NET BANCAIRE | 73832 | 0.07016857271238278 | 68991 | 0 | 0 | 71048 | 0 | 0 | 71351 | 0 | 0 | 70254 | 73832 | 0.07016857271238278 | 68991 | 281644 Dotation à la provision pour créances douteuses | -5602 | -2.5141768251479855 | 3699.7 | 0 | 0 | -3049.7 | 0 | 0 | 15907 | 0 | 0 | -15914.7 | -5602 | -2.5141768251479855 | 3699.7 | 642.2999999999993 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 79434 | 0.21660925728236374 | 65291.3 | 0 | 0 | 74097.7 | 0 | 0 | 55444 | 0 | 0 | 86168.7 | 79434 | 0.21660925728236374 | 65291.3 | 281001.7 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 18420 | -0.22760818517276082 | 23848 | 0 | 0 | 21224 | 0 | 0 | 18617 | 0 | 0 | 26340 | 18420 | -0.22760818517276082 | 23848 | 90029 Frais de locaux | 5296 | -0.004698364968990791 | 5321 | 0 | 0 | 5070 | 0 | 0 | 5186 | 0 | 0 | 5221 | 5296 | -0.004698364968990791 | 5321 | 20798 Amortissement | 1295 | 0.03269537480063796 | 1254 | 0 | 0 | 1106 | 0 | 0 | 1154 | 0 | 0 | 1501 | 1295 | 0.03269537480063796 | 1254 | 5015 Autres dépenses d'exploitation | 21372 | -0.26160862354892206 | 28944 | 0 | 0 | 33075 | 0 | 0 | 41729 | 0 | 0 | 56746 | 21372 | -0.26160862354892206 | 28944 | 160494 46383 | -0.21870736267623428 | 59367 | 0 | 0 | 60475 | 0 | 0 | 66686 | 0 | 0 | 89808 | 46383 | -0.21870736267623428 | 59367 | 276336 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 33051 | 4.578886957108854 | 5924.300000000003 | 0 | 0 | 13622.699999999997 | 0 | 0 | -11242 | 0 | 0 | -3639.300000000003 | 33051 | 4.578886957108854 | 5924.300000000003 | 4665.700000000012 Impôts sur le revenu | 9915.3 | 4.025010262569747 | 1973.1899999999998 | 0 | 0 | 4314.5 | 0 | 0 | 2999.7 | 0 | 0 | 3241.2 | 9915.3 | 4.025010262569747 | 1973.1899999999998 | 12528.59 BÉNÉFICE NET | 23135.7 | 4.855493772636039 | 3951.1100000000033 | 0 | 0 | 9308.199999999997 | 0 | 0 | -14241.7 | 0 | 0 | -6880.500000000003 | 23135.7 | 4.855493772636039 | 3951.1100000000033 | -7862.8899999999885 [SCOTIAVARAN ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 46737 | -0.00023530418413621974 | 46748 | 187817 | -0.16092066995179527 | 223837 | 0.08594951509065064 | 206121 | -0.05733611393134484 | 218658 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | -1 | 875 | 2.7393162393162394 | 234 | -0.34818941504178275 | 359 Autres | 465 | -0.3865435356200528 | 758 | 4017 | 0.17113702623906704 | 3430 | -0.1654501216545012 | 4110 | 0.258420085731782 | 3266 47202 | -0.006399191681050815 | 47506 | 191834 | -0.1591464964802623 | 228142 | 0.08399021214928848 | 210465 | -0.053166458973470755 | 222283 Dépenses d'intérêt | 310 | -0.6313912009512486 | 841 | 3538 | -0.25594111461619345 | 4755 | -0.3438664274872361 | 7247 | -0.5790054606715465 | 17214 46892 | 0.0048644594449801775 | 46665 | 188296 | -0.15708613303370383 | 223387 | 0.09924809810154613 | 203218 | -0.009026230195690231 | 205069 AUTRES REVENUS Commissions | 18096 | -0.0208322060494562 | 18481 | 72645 | 0.12291901751348677 | 64693 | 0.029716996148091555 | 62826 | 0.11310726055065377 | 56442 Gains sur change | 8252 | -0.14148980441115272 | 9612 | 32917 | -0.09942272441246477 | 36551 | -0.1210532643982205 | 41585 | -0.1330136557906807 | 47965 Autres | 592 | 1.102653025836657 | -5767 | -12214 | -3.1841917024320456 | 5592 | 1.4186851211072664 | 2312 | 35 | -68 26940 | 0.20666487503359313 | 22326 | 93348 | -0.12624957879366505 | 106836 | 0.0010588158128988128 | 106723 | 0.022848599277355542 | 104339 PRODUIT NET BANCAIRE | 73832 | 0.07016857271238278 | 68991 | 281644 | -0.14710968042807437 | 330223 | 0.06543826083028706 | 309941 | 0.0017226445340779812 | 309408 Dotation à la provision pour créances douteuses | -5602 | -2.5141768251479855 | 3699.7 | 642.2999999999993 | 1.0074840165037537 | -85822.9 | -3.9411549006168607 | 29180 | 0.48872993683866833 | 19600.6 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 79434 | 0.21660925728236374 | 65291.3 | 281001.7 | -0.32458966666899014 | 416045.9 | 0.481850755624891 | 280761 | -0.031215213966241107 | 289807.4 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 18420 | -0.22760818517276082 | 23848 | 90029 | 0.1544251532326315 | 77986 | 0.15881601236292311 | 67298 | 0.1175542602832993 | 60219 Frais de locaux | 5296 | -0.004698364968990791 | 5321 | 20798 | 0.13712411153635867 | 18290 | 0.04591982615657345 | 17487 | 0.0025225018632116037 | 17443 Amortissement | 1295 | 0.03269537480063796 | 1254 | 5015 | -0.14971176670057645 | 5898 | -0.0630659253375695 | 6295 | -0.14481728026083412 | 7361 Autres dépenses d'exploitation | 21372 | -0.26160862354892206 | 28944 | 160494 | -0.09582373255663285 | 177503 | 0.3961443470874168 | 127138 | 0.14690626324952866 | 110853 46383 | -0.21870736267623428 | 59367 | 276336 | -0.011945923332987697 | 279677 | 0.2816403779706532 | 218218 | 0.1140619575649901 | 195876 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 33051 | 4.578886957108854 | 5924.300000000003 | 4665.700000000012 | -0.965786187319836 | 136368.90000000002 | 1.1804022832291388 | 62543 | -0.3341630168399493 | 93931.40000000002 Impôts sur le revenu | 9915.3 | 4.025010262569747 | 1973.1899999999998 | 12528.59 | -0.7797531903343486 | 56884.32 | 1.2286653236138312 | 25523.939999999995 | -0.11357664537773116 | 28794.3 BÉNÉFICE NET (PERTE NETTE) | 23135.7 | 4.855493772636039 | 3951.1100000000033 | -7862.8899999999885 | -1.0989234641486434 | 79484.58000000002 | 1.1471258319363054 | 37019.060000000005 | -0.4316747291482121 | 65137.10000000002 [sogebkinfin ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 53105996.676800005 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020221798833725803 | 52053383.62453 | 0.10182578029135081 | 47242844.15524001 | 0.030233827479754526 | 45856428.79812 | 0.06614759366133405 | 43011332.64358 Bons B.R.H. | 1300000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3333333333333333 | 1950000 | 18.5 | 100000 | -0.8333332236110389 | 599999.605 | -0.5789476456140351 | 1425000 Prêts nets | 19215072.52599 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011264105441782298 | 19001042.77665 | 0.013540113035739636 | 18747203.52186 | 0.15638849654170975 | 16211855.77159 | 0.39191266692813653 | 11647178.84734 Dépôts | 42844618.908360004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03344528708932505 | 41458042.76589319 | 0.07238104912400772 | 38659805.48589411 | 0.0015647801070331389 | 38599405.90339318 | 0.006022250479482285 | 38368342.136564314 Avoir des Actionnaires | 3881092.5410900004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03016702693369854 | 3767440.07488 | 0.08405247124158 | 3475330 | 0.16193346044502574 | 2990988.828800001 | 0.15128393969452672 | 2597959.30932 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 377690.66683 | 0.08323870926693143 | 348667.9931199999 | 0 | 0 | 339005.42042000004 | 0 | 0 | 397129.83161999995 | 0 | 0 | 365625.99676 | 377690.66683 | 0.08323870926693143 | 348667.9931199999 Autres revenus | 377357.21606999997 | 0.20328600757470716 | 313605.58811 | 0 | 0 | 372053.83601 | 0 | 0 | 394022.70814196207 | 0 | 0 | 480236.491146298 | 377357.21606999997 | 0.20328600757470716 | 313605.58811 Dot. à la prov. pr créances douteuses | 102622.75981 | 0.3211529982494722 | 77676.66572 | 0 | 0 | 91132.05554999999 | 0 | 0 | 100316.01732000001 | 0 | 0 | 140664.27518 | 102622.75981 | 0.3211529982494722 | 77676.66572 Dépenses d'exploitation | 554618.6289899999 | 0.20287777914352462 | 461076.46063999995 | 0 | 0 | 520272.25634 | 0 | 0 | 528235.69193 | 0 | 0 | 536156.97067 | 554618.6289899999 | 0.20287777914352462 | 461076.46063999995 Bénéfice (perte) net | 82636.49410000013 | -0.17909779271630474 | 100665.4548699999 | 0 | 0 | 83409.94454000011 | 0 | 0 | 128000.83051196206 | 0 | 0 | 141611.24205629807 | 82636.49410000013 | -0.17909779271630474 | 100665.4548699999 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.0730820017315578 | 0.07636450325518582 | 0 | 0.07208221332595692 | 0 | 0.07302000093478006 | 0 | 0.07237646839742816 | 0.0730820017315578 | 0.07636450325518582 | 0.0724 | 0.0736 | 0.0652 | 0.060401739486855434 Dépôts en % de l'actif | 0.8067755355220966 | 0.7972498069705379 | 0 | 0.8226739076585597 | 0 | 0.8256504321249453 | 0 | 0.7964524086452703 | 0.8067755355220966 | 0.7972498069705379 | 0.7965 | 0.8183 | 0.8417 | 0.8920519262797427 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.06572007729066545 | 0.05798568115084276 | 0 | 0.07211139631435001 | 0 | 0.039304479799887444 | 0 | 0.025832544958976522 | 0.06572007729066545 | 0.05798568115084276 | 0.0258 | 0.0085 | 0.0151 | 0.014532215418822597 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.4694713466802863 | 0.2870974822167787 | 0 | 0.28886829936273045 | 0 | 0.6406890130840146 | 0 | 1.0276485580418497 | 0.4694713466802863 | 0.2870974822167787 | 1.0276 | 1.9124 | 1.2322 | 1.6222800504193924 Prêts improductifs nets en % de l'avoir des actionnaires | 0.17811709151512586 | 0.224060811280408 | 0 | 0.2849541875247341 | 0 | 0.07593160970165433 | 0 | -0.0037004596736536052 | 0.17811709151512586 | 0.224060811280408 | -0.0037 | -0.0423 | -0.0193 | -0.04152095732717009 Rentabilité ROA (rendement de l'actif) | 0.006286571401482859 | 0.008475184410803225 | 0 | 0.0069249591431309 | 0 | 0.010426833461705077 | 0 | 0.011141491921435145 | 0.006286571401482859 | 0.0085 | 0.0091 | 0.0107 | 0.0087 | 0.007895483336678577 ROE (rendement avoir des action.) | 0.08643382802861463 | 0.11304511849889846 | 0 | 0.09332131407675243 | 0 | 0.1437071661052999 | 0 | 0.153272882144854 | 0.08643382802861463 | 0.113 | 0.1253 | 0.1545 | 0.139 | 0.13539826604622046 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8429875049290583 | 0.9056259994545582 | 0 | 0.8914698084362648 | 0 | 0.8737033669393225 | 0 | 0.8447126831619745 | 0.8429875049290583 | 0.9056259994545582 | 0.8776 | 0.9074 | 0.8978 | 0.8686028428978816 Rendement moyen des prêts | 0.07316768577596995 | 0.06735793384432334 | 0 | 0.06555533111522362 | 0 | 0.08081431823545056 | 0 | 0.07199439277607839 | 0.07316768577596995 | 0.0674 | 0.0722 | 0.0636 | 0.058 | 0.062171390736899645 Rendement moyen des prêts productifs | 0.07669023881662139 | 0.06970576506449203 | 0 | 0.07011200592210948 | 0 | 0.08558092235892922 | 0 | 0.07441761497089962 | 0.07669023881662139 | 0.0697 | 0.0735 | 0.0644 | 0.0589 | 0.06347498857363555 Rémunération moyenne des dépôts | 0.006675718741296617 | 0.003787217330949664 | 0 | 0.004229886272634966 | 0 | 0.005673863394028917 | 0 | 0.006523005106089453 | 0.006675718741296617 | 0.0038 | 0.005 | 0.0034 | 0.0031 | 0.003501365576806735 0 Dépenses d'exploitation en % du produit net bancaire | 0.7345476247940883 | 0.6962024059357329 | 0 | 0.7316862155091262 | 0 | 0.6676786907477196 | 0 | 0.6338583142481118 | 0.7345476247940883 | 0.6962024059357329 | 0.6796 | 0.66 | 0.7029 | 0.724586062283403 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 2080.0217159779613 | 1957.9411122838135 | 0 | 2058.8034931017014 | 0 | 2237.2641633424164 | 0 | 2351.2508350418293 | 2080.0217159779613 | 1957.94 | 2154.87 | 2059.84 | 1933.62 | 1835.8421144701506 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 2519896.56648 | 0 | 0 | 0 | 0 | 0 | 0 | 0.25992537703439067 | 2000036.36121 | -0.19539456911866268 | 2485735.59716 | -0.00514831556534946 | 2498599.17418 | 0.41450107866180996 | 1766417.2985599998 Avoirs à la BRH | 13434681.62964 | 0 | 0 | 0 | 0 | 0 | 0 | 0.019197582198677718 | 13181626.2757 | 0.02438285116342276 | 12867870.89488 | 0.28116365820281153 | 10043893.1533 | -0.05661831923757988 | 10646690.897349998 Avoirs à l'étranger | 660482.48954 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03946132118669156 | 635408.43327 | -0.11058459443325548 | 714411.31927 | -0.26505296611154805 | 972058.23866 | -0.4202367581757498 | 1676646.894 Avoirs dans les banques locales | 28433.644849999997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4546042339423239 | 19547.34091 | 1.2133850837074116 | 8831.42344 | 2.6702559752588653 | 2406.21458 | -0.7687826678985217 | 10406.72236 Autres liquidités | 53365.67302 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5144463026620069 | 109906.84101999999 | 0.9004472200902006 | 57832.09333999999 | -0.8581307305524863 | 407643.55497999996 | 0.06990956475386366 | 381007.48737000005 16696860.00353 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04705318177831364 | 15946525.252109999 | -0.011661592327356841 | 16134681.32809 | 0.1587177325817947 | 13924600.3357 | -0.03843397949596741 | 14481169.299639996 Bons B.R.H. | 1300000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3333333333333333 | 1950000 | 18.5 | 100000 | -0.8333332236110389 | 599999.605 | -0.5789476456140351 | 1425000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 11372717.66967 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03817050445886331 | 10954575.97844 | 0.21068333965164712 | 9048258.631849999 | -0.21107264107747756 | 11469064.330850001 | -0.08253837317596291 | 12500865.426439999 Portefeuille net | 19215072.52599 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011264105441782298 | 19001042.77665 | 0.013540113035739636 | 18747203.52186 | 0.15638849654170975 | 16211855.77159 | 0.39191266692813653 | 11647178.84734 Immobilisations | 2115040.9605199997 | 0 | 0 | 0 | 0 | 0 | 0 | -0.017911086898629112 | 2153614.53765 | 0.36216353980850974 | 1581024.9465 | 0.11310066432816843 | 1420379.1239800001 | 0.07735849181156745 | 1318390.42879 Autres actifs | 2406305.51709 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1751689999157727 | 2047625.0796800002 | 0.25492157900765 | 1631675.7269400002 | -0.2684805867346937 | 2230529.631 | 0.3611342199616686 | 1638728.64137 53105996.676800005 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020221798833725803 | 52053383.62453 | 0.10182578029135081 | 47242844.15524001 | 0.030233827479754526 | 45856428.79812 | 0.06614759366133405 | 43011332.64358 PASSIF Dépôts À vue | 14786946.016360004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07283589883299563 | 13783045.50812 | -0.004496553189201634 | 13845301.64338 | -0.09916920282635716 | 15369480.80241 | 0.009022766820600306 | 15232045.606699996 Épargne | 18578344.72994 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0024824854562425732 | 18532338.469219998 | 0.06075899867117684 | 17470828.427980002 | -0.006244161578932521 | 17580604.56353 | 0.030636806778584075 | 17058001.856620006 À terme | 9479328.16206 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03682401162431305 | 9142658.78855319 | 0.24497043680044106 | 7343675.414534109 | 0.29992188721597624 | 5649320.537453178 | -0.07057475144787075 | 6078294.673244312 42844618.908360004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03344528708932505 | 41458042.76589319 | 0.07238104912400772 | 38659805.48589411 | 0.0015647801070331389 | 38599405.90339318 | 0.006022250479482285 | 38368342.136564314 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1500006.6468 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10209912787348738 | 1670570.43084 | 0.13327160650230224 | 1474113.02044 | -0.2467380842340889 | 1956972.72036 | 0.7595333071308816 | 1112211.23944 1500006.6468 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10209912787348738 | 1670570.43084 | 0.13327160650230224 | 1474113.02044 | -0.2467380842340889 | 1956972.72036 | 0.7595333071308816 | 1112211.23944 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 2467523.49769 | 0 | 0 | 0 | 0 | 0 | 0 | -0.11425168622236692 | 2785806.59913 | 1.473397381395844 | 1126307.73368 | 0.774179561680001 | 634833 | 0 | -0.04578 Autres | 517789.0964200003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09320921099296232 | 571012.7437300002 | -0.22167474457174577 | 733642.83087 | 1.6667147825615944 | 275111.09762 | 0.04753459166152458 | 262627.21996 2985312.5941100004 | 0 | 0 | 0 | 0 | 0 | 0 | -0.11067224977126029 | 3356819.34286 | 0.8047895502384793 | 1859950.56455 | 1.0440272863077906 | 909944.09762 | 2.464775114993776 | 262627.17418000003 Autres passifs | 1894965.9864400001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.052460093746859546 | 1800511.0100599998 | 0.015147241923732624 | 1773645.17747 | 0.2676887376120299 | 1399117.24767 | 1.0876340075648878 | 670192.78408 49224904.13571 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01944583696684452 | 48285943.54965319 | 0.10323705558555923 | 43767514.2483541 | 0.021044325684336312 | 42865439.96904319 | 0.06067463397567699 | 40413373.334264316 AVOIR DES ACTIONNAIRES Capital versé | 1200000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1200000 | 0.14285714285714285 | 1050000 | 0.4 | 750000 | 0 | 750000 Réserves | 1221203.99306 | 0 | 0 | 0 | 0 | 0 | 0 | 0.16445475171930668 | 1048734.60412 | -0.19764133760488964 | 1307064.6 | 0.10834728570331492 | 1179291.5603800002 | 0.17530391564571315 | 1003392.86263 Surplus d'apport | 98479.45517 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 98479.45517 | -4.55221645102893e-07 | 98479.5 | 4.5522185232973353e-07 | 98479.45517 | 0 | 98479.45517 BNR | 1361409.0928600004 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04141377645836561 | 1420226.01559 | 0.39267077098241887 | 1019785.9 | 0.058728239835112814 | 963217.813250001 | 0.2910261460096507 | 746086.9915200004 3881092.5410900004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03016702693369854 | 3767440.07488 | 0.08405247124158 | 3475330 | 0.16193346044502574 | 2990988.828800001 | 0.15128393969452672 | 2597959.30932 53105996.6768 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020221798833663162 | 52053383.62453319 | 0.10182577811975592 | 47242844.2483541 | 0.030233829516530523 | 45856428.79784319 | 0.06614759365479116 | 43011332.64358432 Hors-bilan Effets à l'encaissement | 67323.02318999999 | 0 | 0 | 0 | 94679.35500999998 | 94567 | 86017.31283 | 219678.57768 Crédit documentaire | 653311.5319500001 | 0 | 0 | 0 | 714772.20242 | 656038.4 | 779585.4834400001 | 661696.7755499999 Autres | 3428832.83033 | 0 | 0 | 0 | 3240235.8544799997 | 3213217.7 | 1980524.7513399995 | 2030626.4121399997 Portefeuille brut | 19826802.61067 | 0 | 0 | 0 | 0 | 0 | 0 | 0.015758193829585834 | 19519215.03672 | 0.024336180330301365 | 19055477.5 | 0.15357166270921496 | 16518676.833 | 0.3848197833873885 | 11928394.60496 Provisions pour créances douteuses | 611730.08468 | 0 | 0 | 0 | 0 | 0 | 0 | 0.18055351823997925 | 518172.26006999996 | 0.6808821375464683 | 308274 | 0.0047354591087164525 | 306821.06140999997 | 0.09105216580572914 | 281215.75762 Portefeuille de crédit improductif | 1303019 | 0 | 0 | 0 | 0 | 0 | 0 | 1.5841707471377207 | 504231 | 2.128042085150468 | 161197 | -0.3526037102674669 | 248992.777 | 0.4363918232898365 | 173346 [sogebkcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 2519896.56648 | 0.04745032056955721 | 0 | 0 | 0 | 0 | 0 | 0 | 2000036.36121 | 0.038422792563046544 | 2485735.59716 | 0.05261612931244934 | 2498599.17418 | 0.054487434797417904 | 1766417.2985599998 | 0.04106864842337454 Avoirs à la BRH | 13434681.62964 | 0.25297861767669455 | 0 | 0 | 0 | 0 | 0 | 0 | 13181626.2757 | 0.25323284209113733 | 12867870.89488 | 0.2723771425064116 | 10043893.1533 | 0.21902911797858482 | 10646690.897349998 | 0.24753222564795738 Avoirs à l'étranger | 660482.48954 | 0.012437060423885043 | 0 | 0 | 0 | 0 | 0 | 0 | 635408.43327 | 0.012206861284048512 | 714411.31927 | 0.01512210647018719 | 972058.23866 | 0.02119786176414706 | 1676646.894 | 0.03898151466018948 Avoirs dans les banques locales | 28433.644849999997 | 0.000535413072520708 | 0 | 0 | 0 | 0 | 0 | 0 | 19547.34091 | 0.00037552488520243616 | 8831.42344 | 0.00018693674349876013 | 2406.21458 | 5.247278610798948e-05 | 10406.72236 | 0.00024195303238420675 Autres liquidités | 53365.67302 | 0.001004889774403075 | 0 | 0 | 0 | 0 | 0 | 0 | 109906.84101999999 | 0.0021114254898927784 | 57832.09333999999 | 0.0012241450398279093 | 407643.55497999996 | 0.008889561740069744 | 381007.48737000005 | 0.008858304636298461 16696860.00353 | 0.31440630151706056 | 0 | 0 | 0 | 0 | 0 | 0 | 15946525.252109999 | 0.30634944631332756 | 16134681.32809 | 0.3415264600723748 | 13924600.3357 | 0.3036564490663275 | 14481169.299639996 | 0.336682646400204 Bons B.R.H. | 1300000 | 0.024479344732229093 | 0 | 0 | 0 | 0 | 0 | 0 | 1950000 | 0.03746154167547849 | 100000 | 0.002116722686538515 | 599999.605 | 0.013084307276553521 | 1425000 | 0.03313080326546682 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 11372717.66967 | 0.21415128952166543 | 0 | 0 | 0 | 0 | 0 | 0 | 10954575.97844 | 0.2104488741300131 | 9048258.631849999 | 0.19152654319704834 | 11469064.330850001 | 0.25010810112016846 | 12500865.426439999 | 0.29064120216944533 Portefeuille net | 19215072.52599 | 0.3618249110911487 | 0 | 0 | 0 | 0 | 0 | 0 | 19001042.77665 | 0.3650299260794992 | 18747203.52186 | 0.39682631003875807 | 16211855.77159 | 0.3535350701416733 | 11647178.84734 | 0.2707932568343356 Immobilisations | 2115040.9605199997 | 0.03982678215027232 | 0 | 0 | 0 | 0 | 0 | 0 | 2153614.53765 | 0.041373190130816306 | 1581024.9465 | 0.03346591372239892 | 1420379.1239800001 | 0.03097448190379431 | 1318390.42879 | 0.03065216415671294 Autres actifs | 2406305.51709 | 0.04531137098762377 | 0 | 0 | 0 | 0 | 0 | 0 | 2047625.0796800002 | 0.03933702167086527 | 1631675.7269400002 | 0.03453805028288121 | 2230529.631 | 0.04864159049148298 | 1638728.64137 | 0.03809992717383524 53105996.676800005 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 52053383.62453 | 1 | 47242844.15524001 | 1 | 45856428.79812 | 1 | 43011332.64358 | 1 PASSIF Dépôts À vue | 14786946.016360004 | 0.2784421146702602 | 0 | 0 | 0 | 0 | 0 | 0 | 13783045.50812 | 0.26478673523971996 | 13845301.64338 | 0.29306664090511425 | 15369480.80241 | 0.3351652364834854 | 15232045.606699996 | 0.35414028514119006 Épargne | 18578344.72994 | 0.34983515784491764 | 0 | 0 | 0 | 0 | 0 | 0 | 18532338.469219998 | 0.3560256255942349 | 17470828.427980002 | 0.3698089888612729 | 17580604.56353 | 0.38338363942223874 | 17058001.856620006 | 0.39659319551834754 À terme | 9479328.16206 | 0.17849826300691873 | 0 | 0 | 0 | 0 | 0 | 0 | 9142658.78855319 | 0.17564004781131537 | 7343675.414534109 | 0.1554452435251948 | 5649320.537453178 | 0.12319582413022068 | 6078294.673244312 | 0.1413184456202051 42844618.908360004 | 0.8067755355220966 | 0 | 0 | 0 | 0 | 0 | 0 | 41458042.76589319 | 0.7964524086452703 | 38659805.48589411 | 0.8183208732915819 | 38599405.90339318 | 0.8417447000359448 | 38368342.136564314 | 0.8920519262797427 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1500006.6468 | 0.02824552292896324 | 0 | 0 | 0 | 0 | 0 | 0 | 1670570.43084 | 0.03209340708550498 | 1474113.02044 | 0.031202884728871616 | 1956972.72036 | 0.0426760821034592 | 1112211.23944 | 0.025858562641072037 1500006.6468 | 0.02824552292896324 | 0 | 0 | 0 | 0 | 0 | 0 | 1670570.43084 | 0.03209340708550498 | 1474113.02044 | 0.031202884728871616 | 1956972.72036 | 0.0426760821034592 | 1112211.23944 | 0.025858562641072037 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 2467523.49769 | 0.046464121796022474 | 0 | 0 | 0 | 0 | 0 | 0 | 2785806.59913 | 0.05351826154519563 | 1126307.73368 | 0.02384081131904236 | 634833 | 0.013843925849411689 | -0.04578 | -1.0643706480653132e-09 Autres | 517789.0964200003 | 0.009750105992195845 | 0 | 0 | 0 | 0 | 0 | 0 | 571012.7437300002 | 0.010969752664856778 | 733642.83087 | 0.015529184239188676 | 275111.09762 | 0.005999400843688877 | 262627.21996 | 0.006106000530983328 2985312.5941100004 | 0.056214227788218316 | 0 | 0 | 0 | 0 | 0 | 0 | 3356819.34286 | 0.06448801421005242 | 1859950.56455 | 0.039369995558231036 | 909944.09762 | 0.019843326693100564 | 262627.17418000003 | 0.006105999466612681 Autres passifs | 1894965.9864400001 | 0.0356827120291641 | 0 | 0 | 0 | 0 | 0 | 0 | 1800511.0100599998 | 0.03458970166180541 | 1773645.17747 | 0.037543149850203794 | 1399117.24767 | 0.030510820060356734 | 670192.78408 | 0.01558177212581752 49224904.13571 | 0.9269179982684421 | 0 | 0 | 0 | 0 | 0 | 0 | 48285943.54965319 | 0.927623531602633 | 43767514.2483541 | 0.9264369034288882 | 42865439.96904319 | 0.9347749288928615 | 40413373.334264316 | 0.939598260513245 AVOIR DES ACTIONNAIRES Capital versé | 1200000 | 0.022596318214365318 | 0 | 0 | 0 | 0 | 0 | 0 | 1200000 | 0.02305325641567907 | 1050000 | 0.022225588208654407 | 750000 | 0.016355394862993523 | 750000 | 0.017437264876561488 Réserves | 1221203.99306 | 0.02299559502653111 | 0 | 0 | 0 | 0 | 0 | 0 | 1048734.60412 | 0.020147289783978364 | 1307064.6 | 0.027666932915913895 | 1179291.5603800002 | 0.02571703883814756 | 1003392.86263 | 0.02332856949457411 Surplus d'apport | 98479.45517 | 0.0018543942554988698 | 0 | 0 | 0 | 0 | 0 | 0 | 98479.45517 | 0.0018918934430919847 | 98479.5 | 0.0020845379180896967 | 98479.45517 | 0.0021475605002637586 | 98479.45517 | 0.0022896164595983368 BNR | 1361409.0928600004 | 0.025635694235162494 | 0 | 0 | 0 | 0 | 0 | 0 | 1420226.01559 | 0.027284028754678738 | 1019785.9 | 0.02158603949942097 | 963217.813250001 | 0.021005076899697227 | 746086.9915200004 | 0.017346288656121506 3881092.5410900004 | 0.0730820017315578 | 0 | 0 | 0 | 0 | 0 | 0 | 3767440.07488 | 0.07237646839742816 | 3475330 | 0.07356309854207897 | 2990988.828800001 | 0.06522507110110207 | 2597959.30932 | 0.060401739486855434 53105996.6768 | 0.9999999999999999 | 0 | 0 | 0 | 0 | 0 | 0 | 52053383.62453319 | 1.0000000000000613 | 47242844.2483541 | 1.0000000019709672 | 45856428.79784319 | 0.9999999999939635 | 43011332.64358432 | 1.0000000000001004 [sogebkgdes&$ ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1028781.8602700001 | 1491114.70621 | 2519896.56648 | 0.40826352714432546 | 528416.87423 | 1471619.48698 | 2000036.36121 | 0.2642036337330955 Avoirs à la BRH | 9655679.59688 | 3779002.0327600003 | 13434681.62964 | 0.7187129448291018 | 9653326.43936 | 3528299.83634 | 13181626.2757 | 0.7323319776677076 Avoirs à l'étranger | 660482.48954 | 0 | 660482.48954 | 1 | 635408.43327 | 0 | 635408.43327 | 1 Avoirs dans les banques locales | 1072.6026000000002 | 27361.04225 | 28433.644849999997 | 0.03772300757284025 | 1045.29866 | 18502.04225 | 19547.34091 | 0.053475235573614395 Autres liquidités | 50422.88798 | 2942.78504 | 53365.67302 | 0.9448562179868485 | 93001.99839 | 16904.84263 | 109906.84101999999 | 0.846189350243232 11396439.43727 | 5300420.566260001 | 16696860.003530001 | 0.6825498587674927 | 10911199.04391 | 5035326.208199999 | 15946525.25211 | 0.6842367770662929 Bons B.R.H. | 0 | 1300000 | 1300000 | 0 | 0 | 1950000 | 1950000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 8524084.231350001 | 2848633.43832 | 11372717.66967 | 0.7495204294117803 | 8254936.248819999 | 2699639.7296199994 | 10954575.978439998 | 0.7535605453891384 Portefeuille net | 8951286.28929 | 10263786.2367 | 19215072.52599 | 0.4658471248121823 | 9267367.17382 | 9733675.60283 | 19001042.77665 | 0.4877293989995371 Immobilisations | 0 | 2115040.9605199997 | 2115040.9605199997 | 0 | 0 | 2153614.53765 | 2153614.53765 | 0 Autres actifs | 846468.2378900001 | 1559837.2792 | 2406305.51709 | 0.35177089188311106 | 694992.3101 | 1352632.76958 | 2047625.07968 | 0.3394138492426614 29718278.195800003 | 23387718.481 | 53105996.6768 | 0.5596030590794429 | 29128494.77665 | 22924888.84788 | 52053383.62453 | 0.5595888825740674 PASSIF Dépôts À vue | 8474599.469550002 | 6312346.546810001 | 14786946.016360004 | 0.5731135732945709 | 7999121.303290001 | 5783924.204829999 | 13783045.50812 | 0.5803594930146231 Épargne | 10522401.55896 | 8055943.170980001 | 18578344.72994 | 0.5663799284552291 | 10426741.59763 | 8105596.87159 | 18532338.469219998 | 0.5626241726022635 À terme | 6519967.357929999 | 2959360.80413 | 9479328.16206 | 0.6878090141478035 | 6102478.58630319 | 3040180.20225 | 9142658.78855319 | 0.6674730762066313 25516968.38644 | 17327650.521920003 | 42844618.908360004 | 0.5955699697322091 | 24528341.48722319 | 16929701.278669998 | 41458042.76589319 | 0.5916425342539863 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 618048.88956 | 881957.75724 | 1500006.6468 | 0.4120307672492642 | 778310.61265 | 892259.8181900001 | 1670570.43084 | 0.46589512078137774 618048.88956 | 881957.75724 | 1500006.6468 | 0.4120307672492642 | 778310.61265 | 892259.8181900001 | 1670570.43084 | 0.46589512078137774 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 2467523.49769 | 0 | 2467523.49769 | 1 | 2785806.59913 | 0 | 2785806.59913 | 1 Autres | 91406.87559000001 | 426382.22083 | 517789.09642 | 0.17653302516794625 | 77856.41565000001 | 493156.32808 | 571012.74373 | 0.136347947580683 2558930.37328 | 426382.22083 | 2985312.59411 | 0.8571733420241321 | 2863663.01478 | 493156.32808 | 3356819.3428599997 | 0.8530882130642657 Autres passifs | 1041707.78214 | 853258.2043 | 1894965.9864400001 | 0.549723736253977 | 878562.46075 | 921948.5493099999 | 1800511.0100599998 | 0.4879517291708885 29735655.431420002 | 19489248.704290006 | 49224904.13571001 | 0.6040774675648051 | 29048877.575403187 | 19237065.974249996 | 48285943.54965319 | 0.601601117011036 AVOIR DES ACTIONNAIRES Capital versé | 0 | 1200000 | 1200000 | 0 | 0 | 1200000 | 1200000 | 0 Réserves | 0 | 1221203.99306 | 1221203.99306 | 0 | 0 | 1048734.60412 | 1048734.60412 | 0 Surplus d'apport | 98479.45517 | 98479.45517 | 0 | 98479.45517 | 98479.45517 | 0 BNR | 0 | 1361409.0928600004 | 1361409.0928600004 | 0 | 0 | 1420226.01559 | 1420226.01559 | 0 0 | 3881092.5410900004 | 3881092.5410900004 | 0 | 0 | 3767440.07488 | 3767440.07488 | 0 29735655.431420002 | 23370341.245380007 | 53105996.67680001 | 0.5599302770342389 | 29048877.575403187 | 23004506.049129996 | 52053383.624533184 | 0.558059352777832 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [SOGEBKRÉSULT] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 359857.13197 | 0 | 0 | 0 | 0 | 0 | 0 | 326951.3266699999 | -0.01666250216962279 | 321503.49948 | 0.22359826122039458 | 393391.12294000003 | -0.1077474451208318 | 351004.23451 Intérêts sur bons B.R.H. | 24916.868690000003 | 0 | 0 | 0 | 0 | 0 | 0 | 3670.6570300000003 | -0.3737833986630999 | 2298.62637 | -0.6131516275957454 | 889.2198699999999 | 14.905285674734193 | 14143.29606 Autres | 63264.27348 | 0 | 0 | 0 | 0 | 0 | 0 | 54380.20631 | 0.038518032794127494 | 56474.82488 | 0.06695122947320571 | 60255.88383999999 | 0.12342773611533846 | 67693.13117 448038.27414 | 0 | 0 | 0 | 0 | 0 | 0 | 385002.1900099999 | -0.012273278964665452 | 380276.95073000004 | 0.19527682594868775 | 454536.22664999997 | -0.04773121181099143 | 432840.66174 Dépenses d'intérêt | 70347.60731 | 0 | 0 | 0 | 0 | 0 | 0 | 36334.19689 | 0.13588668093992934 | 41271.53031 | 0.390944183528144 | 57406.39503 | 0.17085674766503453 | 67214.66498 377690.66683 | 0 | 0 | 0 | 0 | 0 | 0 | 348667.9931199999 | -0.02771281818424414 | 339005.42042000004 | 0.17145569863746873 | 397129.83161999995 | -0.0793288047173069 | 365625.99676 AUTRES REVENUS Commissions | 228653.86205999998 | 0 | 0 | 0 | 0 | 0 | 0 | 194845.97616000002 | 0.14599548135723728 | 223292.60824 | 0.0813777099619408 | 241463.64935 | 0.15171290009329944 | 278096.79986 Gains sur change | 63506.640929999994 | 0 | 0 | 0 | 0 | 0 | 0 | 38325.857050000006 | 0.4716641651722695 | 56402.79042 | 0.18753379063758788 | 66980.21951000002 | -0.040270060769169794 | 64282.92199999999 Autres | 85196.71307999999 | 0 | 0 | 0 | 0 | 0 | 0 | 80433.7549 | 0.14825470307615848 | 92358.43735000001 | -0.07340529206168965 | 85578.83928196199 | 0.6108744923741325 | 137856.769286298 377357.21606999997 | 0 | 0 | 0 | 0 | 0 | 0 | 313605.58811 | 0.18637502045881518 | 372053.83601 | 0.05904756249139052 | 394022.70814196207 | 0.21880409738535694 | 480236.491146298 PRODUIT NET BANCAIRE | 755047.8829 | 0 | 0 | 0 | 0 | 0 | 0 | 662273.5812299999 | 0.07366393071182689 | 711059.2564300001 | 0.11263939342282749 | 791152.539761962 | 0.06915221198783847 | 845862.487906298 Dotation à la provision pour créances douteuses | 102622.75981 | 0 | 0 | 0 | 0 | 0 | 0 | 77676.66572 | 0.1732230613309593 | 91132.05554999999 | 0.10077641412314248 | 100316.01732000001 | 0.40221152053208303 | 140664.27518 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 652425.12309 | 0 | 0 | 0 | 0 | 0 | 0 | 584596.9155099998 | 0.060435292134886305 | 619927.2008800001 | 0.11438330413846107 | 690836.522441962 | 0.020788840511168152 | 705198.212726298 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 232265.14973999996 | 0 | 0 | 0 | 0 | 0 | 0 | 207720.91163 | 0.05750442488562075 | 219665.78319 | 0.08359622346879907 | 238029.01309 | -0.02011847277705312 | 233240.23287 Frais de locaux | 21766.02389 | 0 | 0 | 0 | 0 | 0 | 0 | 21317.774729999997 | -0.062495299667705576 | 19985.514010000006 | 0.07334277863789575 | 21451.30714 | -0.0015368308227020142 | 21418.34011 Amortissement | 49783.78977999999 | 0 | 0 | 0 | 0 | 0 | 0 | 31251.08199 | 0.23011571702705053 | 38442.44712999999 | 0.10838986071592491 | 42609.21862 | 0.08727296675312739 | 46327.851539999996 Autres dépenses d'exploitation | 250803.66557999997 | 0 | 0 | 0 | 0 | 0 | 0 | 200786.69228999998 | 0.20614822251375628 | 242178.51201 | -0.066200584011095 | 226146.15308000002 | 0.03990513633370354 | 235170.54615 554618.6289899999 | 0 | 0 | 0 | 0 | 0 | 0 | 461076.46063999995 | 0.1283860720580552 | 520272.25634 | 0.015306285301509164 | 528235.69193 | 0.014995727969570221 | 536156.97067 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 97806.49410000013 | 0 | 0 | 0 | 0 | 0 | 0 | 123520.4548699999 | -0.19321099776646092 | 99654.94454000011 | 0.6316383623764533 | 162600.83051196206 | 0.03960872477746787 | 169041.24205629807 Impôts sur le revenu | 15170 | 0 | 0 | 0 | 0 | 0 | 0 | 22855 | -0.2892146138700503 | 16245 | 1.1298861188057865 | 34600 | -0.20722543352601155 | 27430 BÉNÉFICE NET (PERTE NETTE) | 82636.49410000013 | 0 | 0 | 0 | 0 | 0 | 0 | 100665.4548699999 | -0.17141441770946825 | 83409.94454000011 | 0.534599156226245 | 128000.83051196206 | 0.10633065027702357 | 141611.24205629807 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 359857.13197 | 0.10064435472749346 | 326951.3266699999 | 0 | 0 | 321503.49948 | 0 | 0 | 393391.12294000003 | 0 | 0 | 351004.23451 | 359857.13197 | 0.10064435472749346 | 326951.3266699999 | 1392850.1835999999 Intérêts sur Bons B.R.H. | 24916.868690000003 | 5.788122258864376 | 3670.6570300000003 | 0 | 0 | 2298.62637 | 0 | 0 | 889.2198699999999 | 0 | 0 | 14143.29606 | 24916.868690000003 | 5.788122258864376 | 3670.6570300000003 | 21001.79933 Autres | 63264.27348 | 0.1633695010157824 | 54380.20631 | 0 | 0 | 56474.82488 | 0 | 0 | 60255.88383999999 | 0 | 0 | 67693.13117 | 63264.27348 | 0.1633695010157824 | 54380.20631 | 238804.04619999998 448038.27414 | 0.16372915730261903 | 385002.1900099999 | 0 | 0 | 380276.95073000004 | 0 | 0 | 454536.22664999997 | 0 | 0 | 432840.66174 | 448038.27414 | 0.16372915730261903 | 385002.1900099999 | 1652656.02913 Dépenses d'intérêt | 70347.60731 | 0.9361266611444293 | 36334.19689 | 0 | 0 | 41271.53031 | 0 | 0 | 57406.39503 | 0 | 0 | 67214.66498 | 70347.60731 | 0.9361266611444293 | 36334.19689 | 202226.78720999998 377690.66683 | 0.08323870926693143 | 348667.9931199999 | 0 | 0 | 339005.42042000004 | 0 | 0 | 397129.83161999995 | 0 | 0 | 365625.99676 | 377690.66683 | 0.08323870926693143 | 348667.9931199999 | 1450429.24192 AUTRES REVENUS Commissions | 228653.86205999998 | 0.1735108241200641 | 194845.97616000002 | 0 | 0 | 223292.60824 | 0 | 0 | 241463.64935 | 0 | 0 | 278096.79986 | 228653.86205999998 | 0.1735108241200641 | 194845.97616000002 | 937699.03361 Gains sur change | 63506.640929999994 | 0.6570181547968797 | 38325.857050000006 | 0 | 0 | 56402.79042 | 0 | 0 | 66980.21951000002 | 0 | 0 | 64282.92199999999 | 63506.640929999994 | 0.6570181547968797 | 38325.857050000006 | 225991.78898 Autres | 85196.71307999999 | 0.05921591234826197 | 80433.7549 | 0 | 0 | 92358.43735000001 | 0 | 0 | 85578.83928196199 | 0 | 0 | 137856.769286298 | 85196.71307999999 | 0.05921591234826197 | 80433.7549 | 396227.80081826 377357.21606999997 | 0.20328600757470716 | 313605.58811 | 0 | 0 | 372053.83601 | 0 | 0 | 394022.70814196207 | 0 | 0 | 480236.491146298 | 377357.21606999997 | 0.20328600757470716 | 313605.58811 | 1559918.62340826 PRODUIT NET BANCAIRE | 755047.8829 | 0.14008455765017244 | 662273.5812299999 | 0 | 0 | 711059.2564300001 | 0 | 0 | 791152.539761962 | 0 | 0 | 845862.487906298 | 755047.8829 | 0.14008455765017244 | 662273.5812299999 | 3010347.8653282598 Dotation à la provision pour créances douteuses | 102622.75981 | 0.3211529982494722 | 77676.66572 | 0 | 0 | 91132.05554999999 | 0 | 0 | 100316.01732000001 | 0 | 0 | 140664.27518 | 102622.75981 | 0.3211529982494722 | 77676.66572 | 409789.01376999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 652425.12309 | 0.11602559948648912 | 584596.9155099998 | 0 | 0 | 619927.2008800001 | 0 | 0 | 690836.522441962 | 0 | 0 | 705198.212726298 | 652425.12309 | 0.11602559948648912 | 584596.9155099998 | 2600558.8515582597 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 232265.14973999996 | 0.11815968800348355 | 207720.91163 | 0 | 0 | 219665.78319 | 0 | 0 | 238029.01309 | 0 | 0 | 233240.23287 | 232265.14973999996 | 0.11815968800348355 | 207720.91163 | 898655.9407800001 Frais de locaux | 21766.02389 | 0.021027014577144988 | 21317.774729999997 | 0 | 0 | 19985.514010000006 | 0 | 0 | 21451.30714 | 0 | 0 | 21418.34011 | 21766.02389 | 0.021027014577144988 | 21317.774729999997 | 84172.93599000001 Amortissement | 49783.78977999999 | 0.5930261165335093 | 31251.08199 | 0 | 0 | 38442.44712999999 | 0 | 0 | 42609.21862 | 0 | 0 | 46327.851539999996 | 49783.78977999999 | 0.5930261165335093 | 31251.08199 | 158630.59928 Autres dépenses d'exploitation | 250803.66557999997 | 0.2491050214511206 | 200786.69228999998 | 0 | 0 | 242178.51201 | 0 | 0 | 226146.15308000002 | 0 | 0 | 235170.54615 | 250803.66557999997 | 0.2491050214511206 | 200786.69228999998 | 904281.90353 554618.6289899999 | 0.20287777914352462 | 461076.46063999995 | 0 | 0 | 520272.25634 | 0 | 0 | 528235.69193 | 0 | 0 | 536156.97067 | 554618.6289899999 | 0.20287777914352462 | 461076.46063999995 | 2045741.3795800002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 97806.49410000013 | -0.2081757292511806 | 123520.4548699999 | 0 | 0 | 99654.94454000011 | 0 | 0 | 162600.83051196206 | 0 | 0 | 169041.24205629807 | 97806.49410000013 | -0.2081757292511806 | 123520.4548699999 | 554817.4719782595 Impôts sur le revenu | 15170 | -0.3362502734631372 | 22855 | 0 | 0 | 16245 | 0 | 0 | 34600 | 0 | 0 | 27430 | 15170 | -0.3362502734631372 | 22855 | 101130 BÉNÉFICE NET (PERTE NETTE) | 82636.49410000013 | -0.17909779271630474 | 100665.4548699999 | 0 | 0 | 83409.94454000011 | 0 | 0 | 128000.83051196206 | 0 | 0 | 141611.24205629807 | 82636.49410000013 | -0.17909779271630474 | 100665.4548699999 | 453687.4719782595 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 359857.13197 | 0.10064435472749346 | 326951.3266699999 | 1392850.1835999999 | 0.2302926196600395 | 1132129.18727 | 0.3723780213302356 | 824939.7539700001 | 0.23343142481480642 | 668816.87735 Intérêts sur Bons B.R.H. | 24916.868690000003 | 5.788122258864376 | 3670.6570300000003 | 21001.79933 | 2.151666330362658 | 6663.71282 | -0.13370597333991086 | 7692.20682 | -0.6261691344382283 | 20576.70334 Autres | 63264.27348 | 0.1633695010157824 | 54380.20631 | 238804.04619999998 | -0.12194265674535733 | 271968.62259 | -0.1868612668386576 | 334467.67630000005 | 0.08682537131926898 | 307747.3945 448038.27414 | 0.16372915730261903 | 385002.1900099999 | 1652656.02913 | 0.17146378219224237 | 1410761.5226800002 | 0.20877556452466814 | 1167099.63709 | 0.17044597116031207 | 997140.9751899999 Dépenses d'intérêt | 70347.60731 | 0.9361266611444293 | 36334.19689 | 202226.78720999998 | 0.5487547768927693 | 130573.79401000001 | 0.09442436913599565 | 119308.19313999999 | -0.08939980980465027 | 131021.48937 377690.66683 | 0.08323870926693143 | 348667.9931199999 | 1450429.24192 | 0.1329816787314978 | 1280187.72867 | 0.22179631840083033 | 1047791.4439500001 | 0.2097539209131197 | 866119.48582 AUTRES REVENUS Commissions | 228653.86205999998 | 0.1735108241200641 | 194845.97616000002 | 937699.03361 | 0.0807275921576069 | 867655.30964 | 0.265553562647446 | 685593.5104200001 | 0.21204914355775636 | 565648.2776 Gains sur change | 63506.640929999994 | 0.6570181547968797 | 38325.857050000006 | 225991.78898 | 0.1112287940352818 | 203371.07010999997 | -0.17833023945657753 | 247509.49819 | -0.08068474533032517 | 269232.44983999996 Autres | 85196.71307999999 | 0.05921591234826197 | 80433.7549 | 396227.80081826 | 0.20564440980152637 | 328643.9995052 | -0.05338828712682122 | 347179.30809000006 | -0.06588242289996266 | 371665.53397680004 377357.21606999997 | 0.20328600757470716 | 313605.58811 | 1559918.62340826 | 0.114489987448568 | 1399670.3792551998 | 0.09325135635937622 | 1280282.3167000003 | 0.06111332622805102 | 1206546.2614168 PRODUIT NET BANCAIRE | 755047.8829 | 0.14008455765017244 | 662273.5812299999 | 3010347.8653282598 | 0.12332360300185136 | 2679858.1079252 | 0.15110532716840588 | 2328073.7606500005 | 0.12322682215099129 | 2072665.7472368 Dotation à la provision pour créances douteuses | 102622.75981 | 0.3211529982494722 | 77676.66572 | 409789.01376999996 | 0.40533297714487304 | 291595.67194000003 | 0.2686890928951168 | 229840.13465000002 | 0.34501271244744325 | 170883.24335 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 652425.12309 | 0.11602559948648912 | 584596.9155099998 | 2600558.8515582597 | 0.08889157756462539 | 2388262.4359852 | 0.1382252225831021 | 2098233.6260000006 | 0.10329841699127033 | 1901782.5038867998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 232265.14973999996 | 0.11815968800348355 | 207720.91163 | 898655.9407800001 | 0.1334348011126814 | 792860.72732 | 0.1847721517463612 | 669209.45614 | 0.16257274973600686 | 575628.02525 Frais de locaux | 21766.02389 | 0.021027014577144988 | 21317.774729999997 | 84172.93599000001 | 0.06486692060872783 | 79045.49795 | 0.16657177942717943 | 67758.79491 | 0.10455825234804073 | 61344.70026 Amortissement | 49783.78977999999 | 0.5930261165335093 | 31251.08199 | 158630.59928 | 0.2724782556393308 | 124662.71905000001 | 0.016759461374792946 | 122607.87706999999 | -0.06779839566017938 | 131525.0655 Autres dépenses d'exploitation | 250803.66557999997 | 0.2491050214511206 | 200786.69228999998 | 904281.90353 | 0.17115925366805884 | 772125.48225 | -0.0060189357567076345 | 776800.9975499999 | 0.05928334973474987 | 733326.9212100001 554618.6289899999 | 0.20287777914352462 | 461076.46063999995 | 2045741.3795800002 | 0.1566392412663801 | 1768694.4265700001 | 0.0808599062064156 | 1636377.12567 | 0.08959262179878785 | 1501824.71222 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 97806.49410000013 | -0.2081757292511806 | 123520.4548699999 | 554817.4719782595 | -0.10450916840922345 | 619568.0094152 | 0.3414729661107141 | 461856.50033000065 | 0.15476310238948432 | 399957.7916667997 Impôts sur le revenu | 15170 | -0.3362502734631372 | 22855 | 101130 | -0.15682310164430469 | 119939.24429999999 | 0.6343153427801553 | 73388.06726 | 0.14393277113452616 | 64154.17855999999 BÉNÉFICE NET (PERTE NETTE) | 82636.49410000013 | -0.17909779271630474 | 100665.4548699999 | 453687.4719782595 | -0.09195085700549631 | 499628.76511519996 | 0.28615023147883056 | 388468.43307000067 | 0.1568322016429624 | 335803.6131067997 [sgbelinfin] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 6113904.231806001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07911261549425279 | 5665677.654047 | 0.3394780434490481 | 4229765.22964 | -0.018796198995424767 | 4310791.728802401 | 0.07346046505884568 | 4015789.932763 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 3345304.258156 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05181472484584458 | 3180507.155047 | 0.2596500763430853 | 2524913.23962 | 0.20824570689289337 | 2089734.9150224 | 0.21694015717667736 | 1717204.336383 Dépôts | 4545217.055470001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11009001871250938 | 4094458.08795 | 0.4624058229734299 | 2799809.75433 | -0.14422776265092138 | 3271676.30841 | 0.06986739448924387 | 3058020.3913700003 Avoir des Actionnaires | 493689.75045000005 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05902059797865407 | 466175.77731 | 0.05244691943003827 | 442944.6927 | 0.054900957679437756 | 419892.20834 | 0.033200742179537036 | 406399.44513999997 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 52167.535710000004 | 0.3187969278779887 | 39556.91327999999 | 0 | 0 | 44228.423859999995 | 0 | 0 | 44798.18186000002 | 0 | 0 | 51247.21342 | 52167.535710000004 | 0.3187969278779887 | 39556.91327999999 Autres revenus | 12988.6914 | 0.2953486285438573 | 10027.1781 | 0 | 0 | 16225.063180000001 | 0 | 0 | 8735.9604 | 0 | 0 | 8712.334159999999 | 12988.6914 | 0.2953486285438573 | 10027.1781 Dot. à la prov. pr créances douteuses | 2700 | 0.2 | 2250 | 0 | 0 | 2250 | 0 | 0 | 2250 | 0 | 0 | 4156.3148 | 2700 | 0.2 | 2250 Dépenses d'exploitation | 34985.96116 | 0.10126098299805192 | 31769.000900000003 | 0 | 0 | 34907.084709999996 | 0 | 0 | 33456.70317 | 0 | 0 | 35690.588500000005 | 34985.96116 | 0.10126098299805192 | 31769.000900000003 Bénéfice (perte) net | 20053.29414000001 | 0.7648638780140629 | 11362.516049999987 | 0 | 0 | 17006.373699999996 | 0 | 0 | 13014.030540000022 | 0 | 0 | 14682.230319999993 | 20053.29414000001 | 0.7648638780140629 | 11362.516049999987 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.08074868884627064 | 0.10871970751419446 | 0 | 0.09105012540417186 | 0 | 0.08636624007953322 | 0 | 0.08228067422385213 | 0.08074868884627064 | 0.10871970751419446 | 0.0823 | 0.1047 | 0.0974 | 0.10120037450773312 Dépôts en % de l'actif | 0.7434230048656452 | 0.6563314665509591 | 0 | 0.6933572955349637 | 0 | 0.6989199726408724 | 0 | 0.7226775573836828 | 0.7434230048656452 | 0.6563314665509591 | 0.7227 | 0.6619 | 0.759 | 0.7614990929732169 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.09568204667475882 | 0.10501826389970001 | 0 | 0.10048908499405608 | 0 | 0.10408606390790066 | 0 | 0.0934457651798687 | 0.09568204667475882 | 0.10501826389970001 | 0.0934 | 0.0697 | 0.0581 | 0.06576452172395582 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.20260584372392962 | 0.20081171778993706 | 0 | 0.20528726502377548 | 0 | 0.19866799788030845 | 0 | 0.2249315223133197 | 0.20260584372392962 | 0.20081171778993706 | 0.2249 | 0.3966 | 0.5873 | 0.6735198937683244 Prêts improductifs nets en % de l'avoir des actionnaires | 0.5272138538479961 | 0.4965043069888507 | 0 | 0.5397315961211763 | 0 | 0.5710733270473757 | 0 | 0.5047450446433835 | 0.5272138538479961 | 0.4965043069888507 | 0.5047 | 0.2465 | 0.1235 | 0.0949276689917973 Rentabilité ROA (rendement de l'actif) | 0.01361901930599662 | 0.010668567610105564 | 0 | 0.014940139508983591 | 0 | 0.010366166897591005 | 0 | 0.010782537021730522 | 0.01361901930599662 | 0.0107 | 0.0113 | 0.013 | 0.0123 | 0.009912960938172162 ROE (rendement avoir des action.) | 0.1671341958642693 | 0.09995419581255574 | 0 | 0.15034044954381628 | 0 | 0.11698359039944044 | 0 | 0.12799582534765128 | 0.1671341958642693 | 0.1 | 0.1233 | 0.1283 | 0.1238 | 0.09586969024029328 Revenus nets d'intérêt en % des revenus d'intérêt | 0.657919984246384 | 0.6814397509156725 | 0 | 0.654392189650229 | 0 | 0.6178819834652726 | 0 | 0.6004208265230057 | 0.657919984246384 | 0.6814397509156725 | 0.6343 | 0.7862 | 0.7717 | 0.7578117388427086 Rendement moyen des prêts | 0.08307454208604771 | 0.07539407605136633 | 0 | 0.08248622996883509 | 0 | 0.0811807154574455 | 0 | 0.08878893848420943 | 0.08307454208604771 | 0.0754 | 0.0826 | 0.0885 | 0.088 | 0.1001536829702043 Rendement moyen des prêts productifs | 0.09175362898054147 | 0.08265813527234372 | 0 | 0.0919243803448651 | 0 | 0.09043447199392854 | 0 | 0.09850483922809175 | 0.09175362898054147 | 0.0827 | 0.09 | 0.0946 | 0.0938 | 0.11023184936221649 Rémunération moyenne des dépôts | 0.025115829213238662 | 0.02634266011305105 | 0 | 0.030359850224953095 | 0 | 0.0316950805795074 | 0 | 0.035213393111772844 | 0.025115829213238662 | 0.0263 | 0.0301 | 0.0166 | 0.0151 | 0.0159370060551623 Dépenses d'exploitation en % du produit net bancaire | 0.5369549882152468 | 0.6407095504993805 | 0 | 0.57742053302737 | 0 | 0.6249601050393291 | 0 | 0.5952444596480727 | 0.5369549882152468 | 0.6407095504993805 | 0.6076 | 0.5163 | 0.5206 | 0.6186319606546435 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 3861.109754666667 | 3198.9736374193544 | 0 | 3691.8160024427475 | 0 | 3220.0987825563925 | 0 | 3579.6744823880595 | 3861.109754666667 | 3198.97 | 3548.12 | 3910.93 | 3501.3 | 3503.742714257428 [sgbelvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 30925.8946 | 0 | 0 | 0 | 0 | 0 | 0 | -0.22166369314346873 | 39733.33163 | 0.08116272155111807 | 36750.556450000004 | 1.3936727217760263 | 15353.20853 | -0.5834534453640257 | 36858.32558 Avoirs à la BRH | 583519.22312 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12701492107865547 | 517756.43091 | 0.46296601585886143 | 353908.72057 | 0.13103036160003398 | 312908.24065000005 | 0.0334871048795904 | 302769.37097000005 Avoirs à l'étranger | 10976.94524 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5979957606301746 | 6869.19547 | -0.013306423158215137 | 6961.83256 | 5.62453703606346 | 1050.91609 | 6.512210126911594 | -190.6524 Avoirs dans les banques locales | 1715543.71515 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1383355689542722 | 1507063.26143 | 0.5104015479558007 | 997789.80197 | -0.3748987278085699 | 1596205.0412599999 | -0.006207949663649654 | 1606176.10165 Autres liquidités | 15550.34153 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5411878673076689 | 33892.611860000005 | 0.6171169849651013 | 20958.6642 | -0.430395243137096 | 36795.10037 | -0.24884388498697385 | 48984.62468 2356516.11964 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11931768332477236 | 2105314.8313 | 0.4864163049994828 | 1416369.57575 | -0.2782140608238101 | 1962312.5069 | -0.01618635298696367 | 1994597.77048 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 55612.46503000001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.011114652248025488 | 56237.52557 | 0.4622210831615082 | 38460.3438 | 0.3265421169494186 | 28992.930800000002 | -0.4797199136810693 | 55725.620800000004 Portefeuille net | 3345304.258156 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05181472484584458 | 3180507.155047 | 0.2596500763430853 | 2524913.23962 | 0.20824570689289337 | 2089734.9150224 | 0.21694015717667736 | 1717204.336383 Immobilisations | 210745.71996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.17631743948507705 | 179157.18401 | 0.07151005339691015 | 167200.65615999998 | 0.08404544293479371 | 154237.68187000003 | -0.13324319772673973 | 177948.04894 Autres actifs | 145725.66902 | 0 | 0 | 0 | 0 | 0 | 0 | 0.008754689962318004 | 144460.95812 | 0.7442464527263877 | 82821.41431000001 | 0.09677344190945794 | 75513.69421 | 0.07394724382624239 | 70314.15616 6113904.231806001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07911261549425279 | 5665677.654047 | 0.3394780434490481 | 4229765.22964 | -0.018796198995424767 | 4310791.728802401 | 0.07346046505884568 | 4015789.932763 PASSIF Dépôts À vue | 1083757.2214300002 | 0 | 0 | 0 | 0 | 0 | 0 | -0.011201103918515604 | 1096034.0123 | 0.20397432216536093 | 910346.6678 | 0.08315673016120635 | 840457.01093 | 0.15868360384139688 | 725355.0565 Épargne | 508819.43869999994 | 0 | 0 | 0 | 0 | 0 | 0 | -0.004883957905528242 | 511316.68788 | 0.046309456100588876 | 488685.90922000003 | 0.13874270618958628 | 429145.14979000005 | 0.05048576969755505 | 408520.66936000006 À terme | 2952640.3953400003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.18717849090843175 | 2487107.38777 | 0.7755196387095254 | 1400777.17731 | -0.3003370135285841 | 2002074.14769 | 0.04050084360956528 | 1924144.6655100002 4545217.055470001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11009001871250938 | 4094458.08795 | 0.4624058229734299 | 2799809.75433 | -0.14422776265092138 | 3271676.30841 | 0.06986739448924387 | 3058020.3913700003 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 87823.308 | 0 | 0 | 0 | 0 | 0 | 0 | -0.20373364612012096 | 110293.88291 | 0.23718428725394738 | 89149.11387599996 | -0.13323464394946477 | 102852.65009 | -0.28691352598349973 | 144235.87298 87823.308 | 0 | 0 | 0 | 0 | 0 | 0 | -0.20373364612012096 | 110293.88291 | 0.23718428725394738 | 89149.11387599996 | -0.13323464394946477 | 102852.65009 | -0.28691352598349973 | 144235.87298 Obligations à terme Banques locales | 855000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 855000 | 0 | 855000 | 0.71 | 500000 | 0.25 | 400000 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 63772.70146999997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014075603341243229 | 62887.52165999997 | 3.2477324320291046 | 14804.963039999944 | 0.37273708270326544 | 10784.995340000023 | 1.7814829289860983 | 3877.4264000000003 918772.70147 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0009643663184342602 | 917887.52166 | 0.05527970138495156 | 869804.96304 | 0.7028788452586026 | 510784.99534 | 0.26470300628814747 | 403877.4264 Autres passifs | 68401.41638999998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.11007943387223665 | 76862.38411999997 | 1.739537037712487 | 28056.70559 | 4.023072483171958 | 5585.566539999999 | 0.7150491155598145 | 3256.79684 5620214.481330001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08091402112578379 | 5199501.876639999 | 0.37305209635953246 | 3786820.5368359997 | -0.02674933726734626 | 3890899.52038 | 0.07799350991750534 | 3609390.48759 AVOIR DES ACTIONNAIRES Capital versé | 150000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 0 | 150000 | 0 | 150000 | 0 | 150000 Réserves | 166509.38644 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06934140374166445 | 155712.09144 | 0.1198293429871738 | 139049.84042000002 | 0.0615707545290993 | 130984.99542 | 0.01087821844201385 | 129575.44542 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 177180.36401000002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10417732865455358 | 160463.68587 | 0.042683907178704725 | 153894.85228 | 0.10789676824508539 | 138907.21292000002 | 0.0952754464981167 | 126823.99971999999 493689.75045000005 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05902059797865407 | 466175.77731 | 0.05244691943003827 | 442944.6927 | 0.054900957679437756 | 419892.20834 | 0.033200742179537036 | 406399.44513999997 6113904.231780001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07911261550813907 | 5665677.653949999 | 0.33947804345904975 | 4229765.229536 | -0.01879619900079456 | 4310791.72872 | 0.07346046504714776 | 4015789.93273 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 633300.959257 | 0 | 0 | 0 | 609384.051119 | 944447.68732 | 1078134.40245 | 406029.01094 Portefeuille brut | 3411437.504776 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05006298816037104 | 3248793.208827 | 0.25114725378381214 | 2596651.3525900003 | 0.20020166812265555 | 2163512.5342324 | 0.20409812954578116 | 1796790.877043 Provisions pour créances douteuses | 66133.24661999999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03152630794767844 | 68286.05378 | -0.0481202954340827 | 71738.11297 | -0.02764396929365217 | 73777.61921 | -0.07298874158654749 | 79586.54066 Portefeuille de crédit improductif | 326413.32256 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07519239262693056 | 303585.96731 | 0.6781593276124589 | 180904.13843 | 0.44006707491246294 | 125622.022461 | 0.06310602925123782 | 118165.0926667 [sgbelcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 30925.8946 | 0.005058289012627325 | 0 | 0 | 0 | 0 | 0 | 0 | 39733.33163 | 0.007012988393651099 | 36750.556450000004 | 0.008688557036799863 | 15353.20853 | 0.0035615751109983086 | 36858.32558 | 0.009178350012606416 Avoirs à la BRH | 583519.22312 | 0.09544134173453235 | 0 | 0 | 0 | 0 | 0 | 0 | 517756.43091 | 0.09138473145223254 | 353908.72057 | 0.08367100804791514 | 312908.24065000005 | 0.07258718591281384 | 302769.37097000005 | 0.0753947233394463 Avoirs à l'étranger | 10976.94524 | 0.0017954068012539825 | 0 | 0 | 0 | 0 | 0 | 0 | 6869.19547 | 0.001212422571392378 | 6961.83256 | 0.0016459146505851177 | 1050.91609 | 0.00024378725675340372 | -190.6524 | -4.7475690509743536e-05 Avoirs dans les banques locales | 1715543.71515 | 0.2805970865924476 | 0 | 0 | 0 | 0 | 0 | 0 | 1507063.26143 | 0.26599876545279677 | 997789.80197 | 0.23589720653477572 | 1596205.0412599999 | 0.3702811784190391 | 1606176.10165 | 0.39996516962850603 Autres liquidités | 15550.34153 | 0.0025434388469978615 | 0 | 0 | 0 | 0 | 0 | 0 | 33892.611860000005 | 0.00598209321629699 | 20958.6642 | 0.004955041961462201 | 36795.10037 | 0.008535578307844207 | 48984.62468 | 0.012198004751283619 2356516.11964 | 0.38543556298785914 | 0 | 0 | 0 | 0 | 0 | 0 | 2105314.8313 | 0.37159100108636983 | 1416369.57575 | 0.33485772823153803 | 1962312.5069 | 0.4552093050074489 | 1994597.77048 | 0.49668877204133255 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 55612.46503000001 | 0.009096064138638381 | 0 | 0 | 0 | 0 | 0 | 0 | 56237.52557 | 0.009926001619564338 | 38460.3438 | 0.009092784519218673 | 28992.930800000002 | 0.006725662621621168 | 55725.620800000004 | 0.013876627446410994 Portefeuille net | 3345304.258156 | 0.5471633397122779 | 0 | 0 | 0 | 0 | 0 | 0 | 3180507.155047 | 0.5613639443068491 | 2524913.23962 | 0.5969393341093067 | 2089734.9150224 | 0.48476823898958304 | 1717204.336383 | 0.4276130886162925 Immobilisations | 210745.71996 | 0.034469908583724625 | 0 | 0 | 0 | 0 | 0 | 0 | 179157.18401 | 0.03162149259974715 | 167200.65615999998 | 0.0395295358211242 | 154237.68187000003 | 0.03577943254355493 | 177948.04894 | 0.04431209100062804 Autres actifs | 145725.66902 | 0.023835124577499926 | 0 | 0 | 0 | 0 | 0 | 0 | 144460.95812 | 0.025497560387469514 | 82821.41431000001 | 0.019580617318812523 | 75513.69421 | 0.017517360837791804 | 70314.15616 | 0.017509420895335893 6113904.231806001 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5665677.654047 | 1 | 4229765.22964 | 1 | 4310791.728802401 | 1 | 4015789.932763 | 1 PASSIF Dépôts À vue | 1083757.2214300002 | 0.1772610725225355 | 0 | 0 | 0 | 0 | 0 | 0 | 1096034.0123 | 0.19345153028907347 | 910346.6678 | 0.21522392340377736 | 840457.01093 | 0.1949658122693603 | 725355.0565 | 0.1806257470248029 Épargne | 508819.43869999994 | 0.08322332496688431 | 0 | 0 | 0 | 0 | 0 | 0 | 511316.68788 | 0.0902481078348617 | 488685.90922000003 | 0.11553499607863406 | 429145.14979000005 | 0.09955135315925427 | 408520.66936000006 | 0.10172859541956268 À terme | 2952640.3953400003 | 0.48293860737622524 | 0 | 0 | 0 | 0 | 0 | 0 | 2487107.38777 | 0.43897791925974755 | 1400777.17731 | 0.33117137743108777 | 2002074.14769 | 0.46443304934293467 | 1924144.6655100002 | 0.4791447505288513 4545217.055470001 | 0.7434230048656452 | 0 | 0 | 0 | 0 | 0 | 0 | 4094458.08795 | 0.7226775573836828 | 2799809.75433 | 0.6619302969134991 | 3271676.30841 | 0.7589502147715492 | 3058020.3913700003 | 0.7614990929732169 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 87823.308 | 0.014364521371323095 | 0 | 0 | 0 | 0 | 0 | 0 | 110293.88291 | 0.01946702400748425 | 89149.11387599996 | 0.021076610411208934 | 102852.65009 | 0.023859341058579495 | 144235.87298 | 0.0359171857579614 87823.308 | 0.014364521371323095 | 0 | 0 | 0 | 0 | 0 | 0 | 110293.88291 | 0.01946702400748425 | 89149.11387599996 | 0.021076610411208934 | 102852.65009 | 0.023859341058579495 | 144235.87298 | 0.0359171857579614 Obligations à terme Banques locales | 855000 | 0.13984517381742492 | 0 | 0 | 0 | 0 | 0 | 0 | 855000 | 0.1509086912823698 | 855000 | 0.20213887853836515 | 500000 | 0.11598797424131346 | 400000 | 0.09960680381625102 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 63772.70146999997 | 0.010430765522665376 | 0 | 0 | 0 | 0 | 0 | 0 | 62887.52165999997 | 0.011099735194973427 | 14804.963039999944 | 0.0035001855271433145 | 10784.995340000023 | 0.002501859523377217 | 3877.4264000000003 | 0.0009655451268418811 918772.70147 | 0.15027593934009031 | 0 | 0 | 0 | 0 | 0 | 0 | 917887.52166 | 0.16200842647734323 | 869804.96304 | 0.20563906406550844 | 510784.99534 | 0.11848983376469069 | 403877.4264 | 0.1005723489430929 Autres passifs | 68401.41638999998 | 0.011187845572418254 | 0 | 0 | 0 | 0 | 0 | 0 | 76862.38411999997 | 0.013566317890516958 | 28056.70559 | 0.006633159068355182 | 5585.566539999999 | 0.0012957170959293244 | 3256.79684 | 0.0008109978097781656 5620214.481330001 | 0.9192513111494768 | 0 | 0 | 0 | 0 | 0 | 0 | 5199501.876639999 | 0.9177193257590271 | 3786820.5368359997 | 0.8952791304585717 | 3890899.52038 | 0.9025951066907487 | 3609390.48759 | 0.8987996254840493 AVOIR DES ACTIONNAIRES Capital versé | 150000 | 0.024534241020600863 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 0.026475208996906984 | 150000 | 0.035462961147081605 | 150000 | 0.03479639227239404 | 150000 | 0.03735255143109413 Réserves | 166509.38644 | 0.027234542794075528 | 0 | 0 | 0 | 0 | 0 | 0 | 155712.09144 | 0.027483401094796606 | 139049.84042000002 | 0.03287412725548239 | 130984.99542 | 0.030385368549547046 | 129575.44542 | 0.032266489928383206 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 177180.36401000002 | 0.028979905031594238 | 0 | 0 | 0 | 0 | 0 | 0 | 160463.68587 | 0.028322064132148533 | 153894.85228 | 0.03638378111427668 | 138907.21292000002 | 0.03222313246819521 | 126823.99971999999 | 0.031581333148255786 493689.75045000005 | 0.08074868884627064 | 0 | 0 | 0 | 0 | 0 | 0 | 466175.77731 | 0.08228067422385213 | 442944.6927 | 0.10472086951684068 | 419892.20834 | 0.0974048932901363 | 406399.44513999997 | 0.10120037450773312 6113904.231780001 | 0.9999999999957474 | 0 | 0 | 0 | 0 | 0 | 0 | 5665677.653949999 | 0.9999999999828791 | 4229765.229536 | 0.9999999999754123 | 4310791.72872 | 0.9999999999808851 | 4015789.93273 | 0.9999999999917825 [sgbelgdes&$] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 7526.33949 | 23399.55511 | 30925.8946 | 0.24336691265836496 | 11425.15181 | 28308.17982 | 39733.33163 | 0.287545779357038 Avoirs à la BRH | 497934.62902 | 85584.5941 | 583519.22312 | 0.8533302919441274 | 442194.89624 | 75561.53467000001 | 517756.43091 | 0.8540596887667926 Avoirs à l'étranger | 10976.94524 | 0 | 10976.94524 | 1 | 6869.19547 | 0 | 6869.19547 | 1 Avoirs dans les banques locales | 1400873.16095 | 314670.5542 | 1715543.71515 | 0.8165767788829056 | 1193891.23695 | 313172.02448 | 1507063.26143 | 0.7921971608658008 Autres liquidités | 3612.55895 | 11937.78258 | 15550.34153 | 0.23231380114903497 | 20793.27459 | 13099.33727 | 33892.611860000005 | 0.6135046385888066 1920923.6336499997 | 435592.48599 | 2356516.1196399997 | 0.8151540393211719 | 1675173.75506 | 430141.0762400001 | 2105314.8313 | 0.7956880035968803 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 4674.77 | 50937.69503000001 | 55612.46503000001 | 0.08405975166679282 | 4555.77 | 51681.75557 | 56237.52557 | 0.08100943193756525 Portefeuille net | 1442507.4545159999 | 1902796.8036399998 | 3345304.2581559997 | 0.4312036643600064 | 1467294.237867 | 1713212.91718 | 3180507.1550470004 | 0.46133970663723184 Immobilisations | 0 | 210745.71996 | 210745.71996 | 0 | 0 | 179157.18401 | 179157.18401 | 0 Autres actifs | 45711.88785 | 100013.78117 | 145725.66902 | 0.3136845290017252 | 50849.83163999999 | 93611.12648 | 144460.95812 | 0.351997053749016 3413817.746016 | 2700086.4857899994 | 6113904.231805999 | 0.5583695158744064 | 3197873.5945670004 | 2467804.0594800003 | 5665677.654047001 | 0.5644291450790101 PASSIF Dépôts À vue | 789146.4128200001 | 294610.80861 | 1083757.2214300002 | 0.7281579280078375 | 838433.56693 | 257600.44537 | 1096034.0123 | 0.7649703909923088 Épargne | 301560.29267999995 | 207259.14602 | 508819.43869999994 | 0.592666611657893 | 295348.06250999996 | 215968.62537 | 511316.68788 | 0.5776225762052865 À terme | 2241750.22984 | 710890.1654999999 | 2952640.3953400003 | 0.759235778721323 | 1942410.73855 | 544696.64922 | 2487107.38777 | 0.7809919057381804 3332456.9353400003 | 1212760.12013 | 4545217.05547 | 0.7331788327533252 | 3076192.3679899997 | 1018265.71996 | 4094458.0879499996 | 0.75130635163741 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 14330.57662 | 73492.73138 | 87823.30799999999 | 0.16317509493038 | 16296.43574 | 93997.44717 | 110293.88291 | 0.14775466517302616 14330.57662 | 73492.73138 | 87823.30799999999 | 0.16317509493038 | 16296.43574 | 93997.44717 | 110293.88291 | 0.14775466517302616 Obligations à terme Banques locales | 0 | 855000 | 855000 | 0 | 0 | 855000 | 855000 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 63772.70146999997 | 63772.70146999997 | 0 | 0 | 62887.52165999997 | 62887.52165999997 | 0 0 | 918772.70147 | 918772.70147 | 0 | 0 | 917887.52166 | 917887.52166 | 0 Autres passifs | 65761.49638999999 | 2639.92 | 68401.41638999998 | 0.9614054775569538 | 75466.20511999997 | 1396.179 | 76862.38411999997 | 0.9818353409670425 3412549.0083500003 | 2207665.47298 | 5620214.48133 | 0.6071919532050376 | 3167955.00885 | 2031546.86779 | 5199501.876639999 | 0.609280481863617 AVOIR DES ACTIONNAIRES Capital versé | 0 | 150000 | 150000 | 0 | 0 | 150000 | 150000 | 0 Réserves | 0 | 166509.38644 | 166509.38644 | 0 | 0 | 155712.09144 | 155712.09144 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 177180.36401000002 | 177180.36401000002 | 0 | 0 | 160463.68587 | 160463.68587 | 0 0 | 493689.75045000005 | 493689.75045000005 | 0 | 466175.77731 | 466175.77731 3412549.0083500003 | 2701355.2234300002 | 6113904.23178 | 0.5581619991055162 | 3167955.00885 | 2497722.6451 | 5665677.65395 | 0.5591484730235867 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [SGBELRÉSULT ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 69161.95209 | 0 | 0 | 0 | 0 | 0 | 0 | 50478.07910999999 | 0.1689916720367057 | 59008.454099999995 | 0.041222806580862706 | 61440.94819000001 | 0.14526303504301435 | 70366.04680000001 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 10129.65929 | 0 | 0 | 0 | 0 | 0 | 0 | 7570.946099999999 | 0.1330915220754249 | 8578.574840000001 | 0.28947580994700484 | 11061.864739999999 | 0.3547545402367662 | 14986.111479999994 79291.61138 | 0 | 0 | 0 | 0 | 0 | 0 | 58049.02520999999 | 0.1643094555936988 | 67587.02893999999 | 0.07273265398844482 | 72502.81293000001 | 0.17722547347791553 | 85352.15828 Dépenses d'intérêt | 27124.07567 | 0 | 0 | 0 | 0 | 0 | 0 | 18492.11193 | 0.2631658930262596 | 23358.605079999998 | 0.1860567433335792 | 27704.631069999996 | 0.23101963616944163 | 34104.94486 52167.535710000004 | 0 | 0 | 0 | 0 | 0 | 0 | 39556.91327999999 | 0.11809593298984533 | 44228.423859999995 | 0.012882168304335851 | 44798.18186000002 | 0.14395743961560806 | 51247.21342 AUTRES REVENUS Commissions | 7273.8763 | 0 | 0 | 0 | 0 | 0 | 0 | 5678.45205 | 0.19328547821408476 | 6776.01437 | -0.28073421721506775 | 4873.755279999999 | 0.3034009783109176 | 6352.457399999999 Gains sur change | 5225.33381 | 0 | 0 | 0 | 0 | 0 | 0 | 2664.29309 | 0.2708179601967139 | 3385.83151 | -0.1499583657664051 | 2878.0977500000004 | 0.17675634192758025 | 3386.81978 Autres | 489.48128999999994 | 0 | 0 | 0 | 0 | 0 | 0 | 1684.43296 | 2.5995598780019122 | 6063.2173 | -0.8376922149895568 | 984.10737 | -2.04352741510309 | -1026.9430200000002 12988.6914 | 0 | 0 | 0 | 0 | 0 | 0 | 10027.1781 | 0.618108606248851 | 16225.063180000001 | -0.46157618598561295 | 8735.9604 | -0.0027044811237928023 | 8712.334159999999 PRODUIT NET BANCAIRE | 65156.22711000001 | 0 | 0 | 0 | 0 | 0 | 0 | 49584.09137999999 | 0.219211351009736 | 60453.48703999999 | -0.11445733106217144 | 53534.14226000002 | 0.12002443765314516 | 59959.54758 Dotation à la provision pour créances douteuses | 2700 | 0 | 0 | 0 | 0 | 0 | 0 | 2250 | 0 | 2250 | 0 | 2250 | 0.8472510222222223 | 4156.3148 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 62456.22711000001 | 0 | 0 | 0 | 0 | 0 | 0 | 47334.09137999999 | 0.2296314420137498 | 58203.48703999999 | -0.1188819627807642 | 51284.14226000002 | 0.08811867218309159 | 55803.23278 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 13550.577140000001 | 0 | 0 | 0 | 0 | 0 | 0 | 12709.22114 | 0.06152833453647807 | 13491.198349999999 | -0.009400620071677884 | 13364.372720000001 | 0.015424735924305932 | 13570.51464 Frais de locaux | 6274.82015 | 0 | 0 | 0 | 0 | 0 | 0 | 5353.0717 | -0.04513555646938189 | 5111.45783 | 0.1813458940343053 | 6038.39972 | -0.027804803886020506 | 5870.503199999999 Amortissement | 2505.91785 | 0 | 0 | 0 | 0 | 0 | 0 | 2746.85682 | -0.05793474521180173 | 2587.71837 | 0.07024379163795944 | 2769.48952 | -0.09169450838001356 | 2515.5425400000004 Autres dépenses d'exploitation | 12654.64602 | 0 | 0 | 0 | 0 | 0 | 0 | 10959.85124 | 0.2515416368005375 | 13716.71016 | -0.17732159691562657 | 11284.44121 | 0.21707649181859665 | 13734.02812 34985.96116 | 0 | 0 | 0 | 0 | 0 | 0 | 31769.000900000003 | 0.09877817120776979 | 34907.084709999996 | -0.041549775698813865 | 33456.70317 | 0.06676943985332924 | 35690.588500000005 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 27470.265950000008 | 0 | 0 | 0 | 0 | 0 | 0 | 15565.090479999988 | 0.4967084425197646 | 23296.402329999997 | -0.23475570015192024 | 17827.43909000002 | 0.12818471449900035 | 20112.644279999993 Impôts sur le revenu | 7416.97181 | 0 | 0 | 0 | 0 | 0 | 0 | 4202.57443 | 0.4967084425914618 | 6290.02863 | -0.23475570094503684 | 4813.40855 | 0.1281847164209653 | 5430.41396 BÉNÉFICE NET | 20053.29414000001 | 0 | 0 | 0 | 0 | 0 | 0 | 11362.516049999987 | 0.49670844249324647 | 17006.373699999996 | -0.23475569985857572 | 13014.030540000022 | 0.12818471378813662 | 14682.230319999993 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 69161.95209 | 0.3701383513284014 | 50478.07910999999 | 0 | 0 | 59008.454099999995 | 0 | 0 | 61440.94819000001 | 0 | 0 | 70366.04680000001 | 69161.95209 | 0.3701383513284014 | 50478.07910999999 | 241293.5282 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 10129.65929 | 0.3379647875184319 | 7570.946099999999 | 0 | 0 | 8578.574840000001 | 0 | 0 | 11061.864739999999 | 0 | 0 | 14986.111479999994 | 10129.65929 | 0.3379647875184319 | 7570.946099999999 | 42197.49715999999 79291.61138 | 0.3659421685920161 | 58049.02520999999 | 0 | 0 | 67587.02893999999 | 0 | 0 | 72502.81293000001 | 0 | 0 | 85352.15828 | 79291.61138 | 0.3659421685920161 | 58049.02520999999 | 283491.02535999997 Dépenses d'intérêt | 27124.07567 | 0.46679166623452295 | 18492.11193 | 0 | 0 | 23358.605079999998 | 0 | 0 | 27704.631069999996 | 0 | 0 | 34104.94486 | 27124.07567 | 0.46679166623452295 | 18492.11193 | 103660.29294 52167.535710000004 | 0.3187969278779887 | 39556.91327999999 | 0 | 0 | 44228.423859999995 | 0 | 0 | 44798.18186000002 | 0 | 0 | 51247.21342 | 52167.535710000004 | 0.3187969278779887 | 39556.91327999999 | 179830.73241999996 AUTRES REVENUS Commissions | 7273.8763 | 0.2809611203813899 | 5678.45205 | 0 | 0 | 6776.01437 | 0 | 0 | 4873.755279999999 | 0 | 0 | 6352.457399999999 | 7273.8763 | 0.2809611203813899 | 5678.45205 | 23680.6791 Gains sur change | 5225.33381 | 0.9612458665349013 | 2664.29309 | 0 | 0 | 3385.83151 | 0 | 0 | 2878.0977500000004 | 0 | 0 | 3386.81978 | 5225.33381 | 0.9612458665349013 | 2664.29309 | 12315.04213 Autres | 489.48128999999994 | -0.7094088624340383 | 1684.43296 | 0 | 0 | 6063.2173 | 0 | 0 | 984.10737 | 0 | 0 | -1026.9430200000002 | 489.48128999999994 | -0.7094088624340383 | 1684.43296 | 7704.814609999999 12988.6914 | 0.2953486285438573 | 10027.1781 | 0 | 0 | 16225.063180000001 | 0 | 0 | 8735.9604 | 0 | 0 | 8712.334159999999 | 12988.6914 | 0.2953486285438573 | 10027.1781 | 43700.535840000004 PRODUIT NET BANCAIRE | 65156.22711000001 | 0.3140550788892972 | 49584.09137999999 | 0 | 0 | 60453.48703999999 | 0 | 0 | 53534.14226000002 | 0 | 0 | 59959.54758 | 65156.22711000001 | 0.3140550788892972 | 49584.09137999999 | 223531.26825999995 Dotation à la provision pour créances douteuses | 2700 | 0.2 | 2250 | 0 | 0 | 2250 | 0 | 0 | 2250 | 0 | 0 | 4156.3148 | 2700 | 0.2 | 2250 | 10906.3148 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 62456.22711000001 | 0.31947662433401125 | 47334.09137999999 | 0 | 0 | 58203.48703999999 | 0 | 0 | 51284.14226000002 | 0 | 0 | 55803.23278 | 62456.22711000001 | 0.31947662433401125 | 47334.09137999999 | 212624.95345999996 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 13550.577140000001 | 0.06620043751949395 | 12709.22114 | 0 | 0 | 13491.198349999999 | 0 | 0 | 13364.372720000001 | 0 | 0 | 13570.51464 | 13550.577140000001 | 0.06620043751949395 | 12709.22114 | 53135.30685 Frais de locaux | 6274.82015 | 0.172190566773092 | 5353.0717 | 0 | 0 | 5111.45783 | 0 | 0 | 6038.39972 | 0 | 0 | 5870.503199999999 | 6274.82015 | 0.172190566773092 | 5353.0717 | 22373.43245 Amortissement | 2505.91785 | -0.08771442626558168 | 2746.85682 | 0 | 0 | 2587.71837 | 0 | 0 | 2769.48952 | 0 | 0 | 2515.5425400000004 | 2505.91785 | -0.08771442626558168 | 2746.85682 | 10619.607250000001 Autres dépenses d'exploitation | 12654.64602 | 0.15463665910122337 | 10959.85124 | 0 | 0 | 13716.71016 | 0 | 0 | 11284.44121 | 0 | 0 | 13734.02812 | 12654.64602 | 0.15463665910122337 | 10959.85124 | 49695.03073 34985.96116 | 0.10126098299805192 | 31769.000900000003 | 0 | 0 | 34907.084709999996 | 0 | 0 | 33456.70317 | 0 | 0 | 35690.588500000005 | 34985.96116 | 0.10126098299805192 | 31769.000900000003 | 135823.37728000002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 27470.265950000008 | 0.764863878259963 | 15565.090479999988 | 0 | 0 | 23296.402329999997 | 0 | 0 | 17827.43909000002 | 0 | 0 | 20112.644279999993 | 27470.265950000008 | 0.764863878259963 | 15565.090479999988 | 76801.57617999995 Impôts sur le revenu | 7416.97181 | 0.7648638789248048 | 4202.57443 | 0 | 0 | 6290.02863 | 0 | 0 | 4813.40855 | 0 | 0 | 5430.41396 | 7416.97181 | 0.7648638789248048 | 4202.57443 | 20736.42557 BÉNÉFICE NET | 20053.29414000001 | 0.7648638780140629 | 11362.516049999987 | 0 | 0 | 17006.373699999996 | 0 | 0 | 13014.030540000022 | 0 | 0 | 14682.230319999993 | 20053.29414000001 | 0.7648638780140629 | 11362.516049999987 | 56065.150609999946 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 69161.95209 | 0.3701383513284014 | 50478.07910999999 | 241293.5282 | 0.14526004228379522 | 210688.85605999996 | 0.20902928324223355 | 174262.82306 | 0.07436959729588567 | 162200.0692300001 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 10129.65929 | 0.3379647875184319 | 7570.946099999999 | 42197.49715999999 | 0.6738460207848945 | 25209.9038 | -0.2746892091028789 | 34757.38141000001 | 0.05126544313259908 | 33062.421709999995 79291.61138 | 0.3659421685920161 | 58049.02520999999 | 283491.02535999997 | 0.20174868883687574 | 235898.75985999996 | 0.12859309681642647 | 209020.20447 | 0.07045753367054677 | 195262.4909400001 Dépenses d'intérêt | 27124.07567 | 0.46679166623452295 | 18492.11193 | 103660.29294 | 1.0551147852788834 | 50440.14752 | 0.05715996293387528 | 47712.88101 | 0.008936251421027797 | 47290.28315 52167.535710000004 | 0.3187969278779887 | 39556.91327999999 | 179830.73241999996 | -0.03034574587284442 | 185458.61233999996 | 0.1497222095188311 | 161307.32345999999 | 0.09011905593058986 | 147972.2077900001 AUTRES REVENUS Commissions | 7273.8763 | 0.2809611203813899 | 5678.45205 | 23680.6791 | 0.23459271821289274 | 19180.964500000002 | 0.0902571206878557 | 17593.0651 | -0.04148359475604253 | 18354.47469 Gains sur change | 5225.33381 | 0.9612458665349013 | 2664.29309 | 12315.04213 | -0.2962946063551779 | 17500.281 | 1.7216291078056885 | 6430.075629999999 | -0.06260691804518544 | 6859.52964 Autres | 489.48128999999994 | -0.7094088624340383 | 1684.43296 | 7704.814609999999 | 0.641295957741421 | 4694.34813 | 1.360330962844816 | 1988.8516499999998 | -0.47003455384632736 | 3752.7949500000004 12988.6914 | 0.2953486285438573 | 10027.1781 | 43700.535840000004 | 0.05619115053165706 | 41375.59363 | 0.5906353125727005 | 26011.99238 | -0.10200667569233765 | 28966.79928 PRODUIT NET BANCAIRE | 65156.22711000001 | 0.3140550788892972 | 49584.09137999999 | 223531.26825999995 | -0.014561021323374966 | 226834.20596999995 | 0.21094936180394688 | 187319.31584 | 0.058666028152250554 | 176939.0070700001 Dotation à la provision pour créances douteuses | 2700 | 0.2 | 2250 | 10906.3148 | -0.6783262319272271 | 33904.89335 | 0.7171220594710082 | 19745.18536 | 0.3703187304934581 | 14409.191760000002 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 62456.22711000001 | 0.31947662433401125 | 47334.09137999999 | 212624.95345999996 | 0.10208734262581033 | 192929.31261999995 | 0.15130725767379774 | 167574.13048 | 0.031036245013745085 | 162529.8153100001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 13550.577140000001 | 0.06620043751949395 | 12709.22114 | 53135.30685 | 0.12198009096499207 | 47358.511329999994 | 0.1348041239675605 | 41732.7628 | 0.12951491428408657 | 36947.509300000005 Frais de locaux | 6274.82015 | 0.172190566773092 | 5353.0717 | 22373.43245 | 0.8398041473459271 | 12160.76857 | 0.10116742031621256 | 11043.52376 | -0.5938634804883519 | 27191.65411 Amortissement | 2505.91785 | -0.08771442626558168 | 2746.85682 | 10619.607250000001 | 0.36772171637593626 | 7764.450269999999 | 0.042350290297656815 | 7448.98365 | 0.03662760727653888 | 7185.78552 Autres dépenses d'exploitation | 12654.64602 | 0.15463665910122337 | 10959.85124 | 49695.03073 | -0.0028247452271773616 | 49835.80418 | 0.33650126552586157 | 37288.25813 | -0.02220830976509922 | 38135.17593 34985.96116 | 0.10126098299805192 | 31769.000900000003 | 135823.37728000002 | 0.15969874738491915 | 117119.53435 | 0.20105934370090514 | 97513.52833999999 | -0.10914108252004802 | 109460.12486000001 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 27470.265950000008 | 0.764863878259963 | 15565.090479999988 | 76801.57617999995 | 0.013082717462484334 | 75809.77826999995 | 0.08206004450991647 | 70060.60214 | 0.32016225355616135 | 53069.69045000008 Impôts sur le revenu | 7416.97181 | 0.7648638789248048 | 4202.57443 | 20736.42557 | 0.013082717674415417 | 20468.64013 | 0.08206003851053259 | 18916.36268 | 0.320162261748168 | 14328.816410000101 BÉNÉFICE NET | 20053.29414000001 | 0.7648638780140629 | 11362.516049999987 | 56065.150609999946 | 0.013082717384098866 | 55341.13813999995 | 0.08206004672886667 | 51144.239460000004 | 0.3201622505262411 | 38740.87403999998 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 59051093.044344425 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0004446659230228841 | 59077362.73437446 | 0.10124377479527685 | 53646035.588584416 | 0.0036104881670462304 | 53453044.0057092 | 0.11257503085386206 | 48044439.7216841 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 1791680.1 | 4.119086 | 350000 Prêts nets | 24056419.86524 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0702377659936587 | 22477640.604379997 | 0.12167960541039945 | 20039270.12309 | 0.1667798077297126 | 17174851.66467 | 0.30671525851525844 | 13143530.35426 Dépôts | 49484776.08287579 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0205782270067719 | 48486999.598265424 | 0.06068724920670269 | 45712814.62516805 | -0.016302477149183665 | 46470397.2138605 | 0.0866879928296307 | 42763329.97188647 Avoir des Actionnaires | 5797198.13227 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0625966782659681 | 5455690.05705 | 0.15003186705293536 | 4743946.853429999 | 0.09020529360015886 | 4351425.26025 | 0.15920619759329754 | 3753797.44284 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) Résultats Revenus nets d'intérêt | 438908.68257 | 0.33467800246275353 | 328849.8662299999 | 0 | 0 | 331652.99705 | 0 | 0 | 353285.34034 | 0 | 0 | 379795.04971999995 | 438908.68257 | 0.33467800246275353 | 328849.8662299999 Autres revenus | 491798.89597 | 0.1764455683974627 | 418037.95193 | 0 | 0 | 548409.7221600001 | 0 | 0 | 632162.73269 | 0 | 0 | 652079.6822500001 | 491798.89597 | 0.1764455683974627 | 418037.95193 Dot. à la prov. pr créances douteuses | 18007.301 | 0.4970388037386246 | 12028.613389999999 | 0 | 0 | 12098.128359999999 | 0 | 0 | 12363.43194 | 0 | 0 | 18498.63178 | 18007.301 | 0.4970388037386246 | 12028.613389999999 Dépenses d'exploitation | 518227.96238000004 | 0.1571843731406185 | 447835.25807 | 0 | 0 | 459029.25767 | 0 | 0 | 495661.66924 | 0 | 0 | 517441.1015 | 518227.96238000004 | 0.1571843731406185 | 447835.25807 Bénéfice (perte) net | 341723.59332 | 0.3434150890530059 | 254369.32791999995 | 0 | 0 | 395111.0745100001 | 0 | 0 | 452250.60302999994 | 0 | 0 | 460375.77357 | 341723.59332 | 0.3434150890530059 | 254369.32791999995 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 14) | (oct. - déc. 13) | (janv. - mars 15) | (janv. - mars 14) | (avril - juin 15) | (avril - juin 14) | (juil. - sept. 15) | (juil. - sept. 14) | (oct. - déc. 14) | (oct. - déc. 13) | 2014 | 2013 | 2012 | 2011 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.09817257959842662 | 0.09487612237598875 | 0 | 0.09779983284353788 | 0 | 0.09267736157936914 | 0 | 0.09234823297004724 | 0.09817257959842662 | 0.09487612237598875 | 0.0923 | 0.0884 | 0.0814 | 0.0781317768421344 Dépôts en % de l'actif | 0.8379993245123369 | 0.8658969875930865 | 0 | 0.867688515874981 | 0 | 0.8403449795196175 | 0 | 0.820737374758488 | 0.8379993245123369 | 0.8658969875930865 | 0.8207 | 0.8521 | 0.8694 | 0.89007864842653 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0021438281630590567 | 0.002710543592300367 | 0 | 0.0033657073790817203 | 0 | 0.0033189606937650694 | 0 | 0.000707080986062475 | 0.0021438281630590567 | 0.002710543592300367 | 0.0007 | 0.0018 | 0.0026 | 0.004426746823533891 Provisions pour créances douteuses en % des prêts improductifs bruts | 2.520557549197176 | 2.0359016327263086 | 0 | 1.894714995316339 | 0 | 2.192712402297941 | 0 | 6.876017715053616 | 2.520557549197176 | 2.0359016327263086 | 6.876 | 2.6709 | 1.2761 | 0.9036334195941466 Prêts improductifs nets en % de l'avoir des actionnaires | -0.013600623566944844 | -0.011293756854838055 | 0 | -0.011558919762307654 | 0 | -0.01592790156055473 | 0 | -0.017201643201620008 | -0.013600623566944844 | -0.011293756854838055 | -0.0172 | -0.0131 | -0.0028 | 0.0014996608729481592 Rentabilité ROA (rendement de l'actif) | 0.023142508115749857 | 0.019090549750373605 | 0 | 0.02906011203983928 | 0 | 0.032768439475096084 | 0 | 0.03240178640088492 | 0.023142508115749857 | 0.0191 | 0.0277 | 0.024 | 0.023 | 0.023604546026544916 ROE (rendement avoir des action.) | 0.24294107437720838 | 0.20833878233276 | 0 | 0.30152666612404816 | 0 | 0.34396354641510785 | 0 | 0.3502657279145414 | 0.24294107437720838 | 0.2083 | 0.3063 | 0.283 | 0.2878 | 0.299332248552176 Revenus nets d'intérêt en % des revenus d'intérêt | 0.878227415052921 | 0.918426998802455 | 0 | 0.9176759708156087 | 0 | 0.8390419295074107 | 0 | 0.8624726962147817 | 0.878227415052921 | 0.918426998802455 | 0.8815 | 0.9378 | 0.9412 | 0.9290248411980975 Rendement moyen des prêts | 0.08062100035400316 | 0.06835789742458313 | 0 | 0.06757127871773796 | 0 | 0.07890336197637736 | 0 | 0.07866026427487564 | 0.08062100035400316 | 0.0684 | 0.0712 | 0.0638 | 0.0669 | 0.07485053054524972 Rendement moyen des prêts productifs | 0.08073807237387845 | 0.06851400207997296 | 0 | 0.0677775999605375 | 0 | 0.07916799469177707 | 0 | 0.07881357054495323 | 0.08073807237387845 | 0.0685 | 0.0713 | 0.0639 | 0.0671 | 0.07523275571199274 Rémunération moyenne des dépôts | 0.00496942012998257 | 0.0025519884047612218 | 0 | 0.002524481197700391 | 0 | 0.00574893404858615 | 0 | 0.005134411295705198 | 0.00496942012998257 | 0.0026 | 0.004 | 0.0018 | 0.0014 | 0.0017024471003997115 Dépenses d'exploitation en % du produit net bancaire | 0.5568107258704648 | 0.5996017704148225 | 0 | 0.5215869819847087 | 0 | 0.5029810121967844 | 0 | 0.5014572849478823 | 0.5568107258704648 | 0.5996017704148225 | 0.5268 | 0.5546 | 0.586 | 0.5662787476371399 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 3337.3646922097714 | 2882.3456561890976 | 0 | 3322.5586378857956 | 0 | 3608.0478646407323 | 0 | 3738.6765651086957 | 3337.3646922097714 | 2882.35 | 3397.92 | 3033.68 | 2693.36 | 2761.2589778463202 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var. déc. 14 | SEPTEMBRE Déc. 14 | Var. | Mars 15 | Var. | Juin 15 | Var. | Sept. 15 | /sept. 14 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 ACTIF Disponibilités Encaisse | 1592760.338061552 | 0 | 0 | 0 | 0 | 0 | 0 | 1.5924212003526022 | 614391.032539356 | 0.10611185752148686 | 555451.0860375811 | 0.048183670929486236 | 529917.705687048 | 0.08136054797624552 | 490047.19718948804 Avoirs à la BRH | 16594407.768534468 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08407984551787767 | 18117744.966445513 | 0.11439337694451555 | 16257943.865496946 | 0.0027862122333263454 | 16212771.642809624 | 0.1414640778249559 | 14203488.27244992 Avoirs à l'étranger | 1379362.454804855 | 0 | 0 | 0 | 0 | 0 | 0 | 0.15012965035896972 | 1199310.403287437 | -0.4591949262016691 | 2217638.96345149 | -0.39101380717218226 | 3641525.8499604375 | -0.2476189518598819 | 4840002.0959622385 Avoirs dans les banques locales | 342.3356544643333 | 0 | 0 | 0 | 0 | 0 | 0 | 21.312456553269367 | 15.342804305166123 | -0.9879244053351822 | 1270.5630431491086 | -0.9785057966170213 | 59111.892658244265 | -0.2795842747559705 | 82052.4741297409 Autres liquidités | 514388.257747321 | 0 | 0 | 0 | 0 | 0 | 0 | -0.13418093155866465 | 594105.9471851699 | 0.2699552138429964 | 467816.45581607 | -0.4018466089439735 | 782101.1513286759 | 0.8523653243352176 | 422217.551286412 20081261.15480266 | 0 | 0 | 0 | 0 | 0 | 0 | -0.021646492029870894 | 20525567.69226178 | 0.052586687123398076 | 19500120.933845237 | -0.08128492338961314 | 21225428.24244403 | 0.05926899168143522 | 20037807.591017798 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1791680.1 | 4.119086 | 350000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 12545779.202530257 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09391789873452379 | 13846183.679170178 | 0.15066881757957754 | 12033161.468905982 | 0.10829104256504982 | 10857402.07829904 | -0.11332559541633344 | 12245083.451345455 Portefeuille net | 24056419.86524 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0702377659936587 | 22477640.604379997 | 0.12167960541039945 | 20039270.12309 | 0.1667798077297126 | 17174851.66467 | 0.30671525851525844 | 13143530.35426 Immobilisations | 1437499.7739299997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.005779779023915239 | 1429239.08783 | 0.05273165739046268 | 1357648.0557 | 0.026578506049943818 | 1322498.0337099999 | 0.08919794918878934 | 1214194.38468 Autres actifs | 930133.0478415019 | 0 | 0 | 0 | 0 | 0 | 0 | 0.16451254147527203 | 798731.670732507 | 0.11580414882435155 | 715835.007043196 | -0.3379155794640391 | 1081183.8865861301 | 0.025962540000183092 | 1053823.940380842 59051093.044344425 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0004446659230228841 | 59077362.73437446 | 0.10124377479527685 | 53646035.588584416 | 0.0036104881670462304 | 53453044.0057092 | 0.11257503085386206 | 48044439.7216841 PASSIF Dépôts À vue | 22792767.486483052 | 0 | 0 | 0 | 0 | 0 | 0 | -0.002087994277744519 | 22840458.23257373 | 0.047797181163967216 | 21798549.035225436 | -0.08801230810176763 | 23902240.379860204 | 0.11806561707721898 | 21378208.948365685 Épargne | 20288168.454900607 | 0 | 0 | 0 | 0 | 0 | 0 | 0.025133555809830597 | 19790756.37503003 | 0.03969662339648767 | 19035126.141294427 | 0.05153292309210807 | 18102263.584215958 | 0.051856955419513635 | 17209814.976216234 À terme | 6403840.141492126 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0935920891399621 | 5855784.990661667 | 0.2001675812492036 | 4879139.448648186 | 0.09253382822883377 | 4465893.249784335 | 0.0695966233822242 | 4175306.0473045562 49484776.08287579 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0205782270067719 | 48486999.598265424 | 0.06068724920670269 | 45712814.62516805 | -0.016302477149183665 | 46470397.2138605 | 0.0866879928296307 | 42763329.97188647 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2209055.4804472663 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0028550014145711186 | 2202766.578748968 | 1.0821824264797577 | 1057912.385934923 | 0.6001866573822157 | 661118.1145989479 | 0.054549458654925415 | 626919.9696353759 2209055.4804472663 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0028550014145711186 | 2202766.578748968 | 1.0821824264797577 | 1057912.385934923 | 0.6001866573822157 | 661118.1145989479 | 0.054549458654925415 | 626919.9696353759 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 600000 | -0.29411764705882354 | 850000 | 0.3076923076923077 | 650000 | 0 | 0 Banque à l'étranger | 607720.1 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5831384568360563 | 1457846.4 | 0 | 656143.5 | 0 | 0 | 0 | 0 Autres | 448356.151042962 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2035452808053682 | 372529.524392251 | 0.3062634187880344 | 285187.136862401 | -0.663106556323626 | 846520.293628382 | 1.43989382571034 | 346949.643754244 1056076.251042962 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5654679424513108 | 2430375.924392251 | 0.3567433473081036 | 1791330.636862401 | 0.19699722381928927 | 1496520.293628382 | 3.313364548915396 | 346949.643754244 Autres passifs | 503987.09549473604 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0048980459586978565 | 501530.57568533707 | 0.47495505089489315 | 340031.091375324 | -0.2820033647032865 | 473583.12652092794 | -0.14429600651105362 | 553442.697620232 53253894.90986075 | 0 | 0 | 0 | 0 | 0 | 0 | -0.006858752233373611 | 53621672.677091986 | 0.09651088653713247 | 48902088.73934069 | -0.004063613672078915 | 49101618.748608746 | 0.10862286518636174 | 44290642.282896325 AVOIR DES ACTIONNAIRES Capital versé | 2092652 | 0 | 0 | 0 | 0 | 0 | 0 | -2.484823462849978e-05 | 2092704 | -0.00037640459098960014 | 2093492 | 0 | 2093492 | 0.046746 | 2000000 Réserves | 867190.37238 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 867190.37238 | 1.8627315539047622 | 302924.09751 | 1.8691762457981669 | 105578.7695 | 0.623193005372147 | 65043.87904 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 2837355.75989 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1368541813410347 | 2495795.68467 | 0.0631578216285796 | 2347530.75592 | 0.09068035307789368 | 2152354.49075 | 0.27452254543689253 | 1688753.5638000001 5797198.13227 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0625966782659681 | 5455690.05705 | 0.15003186705293536 | 4743946.853429999 | 0.09020529360015886 | 4351425.26025 | 0.15920619759329754 | 3753797.44284 59051093.04213075 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0004446659565601752 | 59077362.73414198 | 0.10124377470500745 | 53646035.592770696 | 0.0036104881862287115 | 53453044.00885875 | 0.1125750308255786 | 48044439.72573633 Hors-bilan Effets à l'encaissement | 306.859376 | 0 | 0 | 0 | 743.6336419139999 | 474.61716518500003 | 2136.50718429 | 145.10341 Crédit documentaire | 740498.058384569 | 0 | 0 | 0 | 733540.5325755869 | 571276.0047675719 | 596824.937580654 | 694553.3393294401 Autres | 1098798.0231189532 | 0 | 0 | 0 | 559775.16554172 | 520711.4670551411 | 362692.71921780996 | 475139.26518574194 Portefeuille brut | 24187118.40039 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07082070754446282 | 22587458.600659996 | 0.1216055724303331 | 20138504.26199 | 0.16869187162051416 | 17231662.81123 | 0.305793268846544 | 13196317.68852 Provisions pour créances douteuses | 130698.53515 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1901376784981711 | 109817.99628 | 0.10665540606610753 | 99234.13889999999 | 0.7467371265812381 | 56811.14656 | 0.07622685169478376 | 52787.33426 Portefeuille de crédit improductif | 51853.02561 | 0 | 0 | 0 | 0 | 0 | 0 | 2.2466657082726442 | 15971.1625 | -0.5701260682444234 | 37153.131 | -0.16547850816309606 | 44520.28062 | -0.2378851104738168 | 58416.757410000006 0 0 | 0 | 0 0 #VALUE! 0 [unibkcomp ] UNIBANK (UNIBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 14 | Comp. | Mars 15 | Comp. | Juin 15 | Comp. | Sept. 15 | Comp. | 2014 | Comp. | 2013 | Comp. | 2012 | Comp. | 2011 | Comp. ACTIF Disponibilités Encaisse | 1592760.338061552 | 0.02697258011575617 | 0 | 0 | 0 | 0 | 0 | 0 | 614391.032539356 | 0.010399770810721541 | 555451.0860375811 | 0.01035400062545867 | 529917.705687048 | 0.009913704926335882 | 490047.19718948804 | 0.010199873284573094 Avoirs à la BRH | 16594407.768534468 | 0.28101779176336156 | 0 | 0 | 0 | 0 | 0 | 0 | 18117744.966445513 | 0.30667829652293555 | 16257943.865496946 | 0.3030595585884551 | 16212771.642809624 | 0.30330866921401095 | 14203488.27244992 | 0.2956323011513734 Avoirs à l'étranger | 1379362.454804855 | 0.023358796318452946 | 0 | 0 | 0 | 0 | 0 | 0 | 1199310.403287437 | 0.020300676058946893 | 2217638.96345149 | 0.04133835686310045 | 3641525.8499604375 | 0.0681256964443689 | 4840002.0959622385 | 0.10074010903238362 Avoirs dans les banques locales | 342.3356544643333 | 5.797278878601896e-06 | 0 | 0 | 0 | 0 | 0 | 0 | 15.342804305166123 | 2.597069942703931e-07 | 1270.5630431491086 | 2.368419267535731e-05 | 59111.892658244265 | 0.0011058657885214293 | 82052.4741297409 | 0.0017078453740965954 Autres liquidités | 514388.257747321 | 0.008710901546920412 | 0 | 0 | 0 | 0 | 0 | 0 | 594105.9471851699 | 0.010056406035868734 | 467816.45581607 | 0.008720429211280224 | 782101.1513286759 | 0.014631554963364508 | 422217.551286412 | 0.008788062754655265 20081261.15480266 | 0.34006586702336966 | 0 | 0 | 0 | 0 | 0 | 0 | 20525567.69226178 | 0.347435409135467 | 19500120.933845237 | 0.3634960294809698 | 21225428.24244403 | 0.3970854913366017 | 20037807.591017798 | 0.4170681915970819 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1791680.1 | 0.033518766486126304 | 350000 | 0.007284922085209229 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 12545779.202530257 | 0.21245634171596117 | 0 | 0 | 0 | 0 | 0 | 0 | 13846183.679170178 | 0.23437376074869548 | 12033161.468905982 | 0.22430663024550826 | 10857402.07829904 | 0.20312037004177694 | 12245083.451345455 | 0.2548699396283901 Portefeuille net | 24056419.86524 | 0.40738314271633935 | 0 | 0 | 0 | 0 | 0 | 0 | 22477640.604379997 | 0.380478064084287 | 20039270.12309 | 0.3735461512342255 | 17174851.66467 | 0.32130727041168305 | 13143530.35426 | 0.27357027015819013 Immobilisations | 1437499.7739299997 | 0.024343322025394333 | 0 | 0 | 0 | 0 | 0 | 0 | 1429239.08783 | 0.02419266909824988 | 1357648.0557 | 0.025307518827894525 | 1322498.0337099999 | 0.024741304416054336 | 1214194.38468 | 0.02527231853912103 Autres actifs | 930133.0478415019 | 0.015751326518935363 | 0 | 0 | 0 | 0 | 0 | 0 | 798731.670732507 | 0.013520096933300663 | 715835.007043196 | 0.013343670211401825 | 1081183.8865861301 | 0.02022679730775765 | 1053823.940380842 | 0.021934357992007453 59051093.044344425 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 59077362.73437446 | 1 | 53646035.588584416 | 1 | 53453044.0057092 | 1 | 48044439.7216841 | 1 PASSIF Dépôts À vue | 22792767.486483052 | 0.3859838372401815 | 0 | 0 | 0 | 0 | 0 | 0 | 22840458.23257373 | 0.38661946260651026 | 21798549.035225436 | 0.4063403529461187 | 23902240.379860204 | 0.4471633154756773 | 21378208.948365685 | 0.4449673900290478 Épargne | 20288168.454900607 | 0.34356973612097585 | 0 | 0 | 0 | 0 | 0 | 0 | 19790756.37503003 | 0.33499728930036815 | 19035126.141294427 | 0.3548281980662332 | 18102263.584215958 | 0.3386573004576221 | 17209814.976216234 | 0.3582061748645776 À terme | 6403840.141492126 | 0.10844575115117956 | 0 | 0 | 0 | 0 | 0 | 0 | 5855784.990661667 | 0.0991206228516096 | 4879139.448648186 | 0.09095060604415736 | 4465893.249784335 | 0.08354796874257231 | 4175306.0473045562 | 0.0869050835329046 49484776.08287579 | 0.8379993245123369 | 0 | 0 | 0 | 0 | 0 | 0 | 48486999.598265424 | 0.820737374758488 | 45712814.62516805 | 0.8521191570565092 | 46470397.2138605 | 0.8693685846758717 | 42763329.97188647 | 0.89007864842653 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2209055.4804472663 | 0.037409222531890746 | 0 | 0 | 0 | 0 | 0 | 0 | 2202766.578748968 | 0.03728613595452996 | 1057912.385934923 | 0.019720234204222187 | 661118.1145989479 | 0.01236820328751222 | 626919.9696353759 | 0.013048751807015568 2209055.4804472663 | 0.037409222531890746 | 0 | 0 | 0 | 0 | 0 | 0 | 2202766.578748968 | 0.03728613595452996 | 1057912.385934923 | 0.019720234204222187 | 661118.1145989479 | 0.01236820328751222 | 626919.9696353759 | 0.013048751807015568 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600000 | 0.010156174416548336 | 850000 | 0.015844600456941787 | 650000 | 0.01216020550542594 | 0 | 0 Banque à l'étranger | 607720.1 | 0.0102914284676091 | 0 | 0 | 0 | 0 | 0 | 0 | 1457846.4 | 0.02467690385156182 | 656143.5 | 0.012230978352846334 | 0 | 0 | 0 | 0 Autres | 448356.151042962 | 0.007592681658005363 | 0 | 0 | 0 | 0 | 0 | 0 | 372529.524392251 | 0.006305791375069165 | 285187.136862401 | 0.005316089692992845 | 846520.293628382 | 0.015836708823130204 | 346949.643754244 | 0.007221431777830761 1056076.251042962 | 0.017884110125614465 | 0 | 0 | 0 | 0 | 0 | 0 | 2430375.924392251 | 0.04113886964317932 | 1791330.636862401 | 0.03339166850278096 | 1496520.293628382 | 0.027996914328556145 | 346949.643754244 | 0.007221431777830761 Autres passifs | 503987.09549473604 | 0.008534763194243787 | 0 | 0 | 0 | 0 | 0 | 0 | 501530.57568533707 | 0.0084893866698203 | 340031.091375324 | 0.006338419747976321 | 473583.12652092794 | 0.008859797142148641 | 553442.697620232 | 0.011519391230832574 53253894.90986075 | 0.9018274203640859 | 0 | 0 | 0 | 0 | 0 | 0 | 53621672.677091986 | 0.9076517670260176 | 48902088.73934069 | 0.9115694795114887 | 49101618.748608746 | 0.9185934994340885 | 44290642.282896325 | 0.9218682232422089 AVOIR DES ACTIONNAIRES Capital versé | 2092652 | 0.0354379892414273 | 0 | 0 | 0 | 0 | 0 | 0 | 2092704 | 0.03542311137701395 | 2093492 | 0.039024169764475265 | 2093492 | 0.039165066067638706 | 2000000 | 0.04162812620119559 Réserves | 867190.37238 | 0.014685424564940453 | 0 | 0 | 0 | 0 | 0 | 0 | 867190.37238 | 0.0146788944570713 | 302924.09751 | 0.005646719169206617 | 105578.7695 | 0.001975168514046148 | 65043.87904 | 0.0013538274026462104 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 2837355.75989 | 0.048049165792058875 | 0 | 0 | 0 | 0 | 0 | 0 | 2495795.68467 | 0.04224622713596199 | 2347530.75592 | 0.04375963163286462 | 2152354.49075 | 0.04026626604314829 | 1688753.5638000001 | 0.035149823238292605 5797198.13227 | 0.09817257959842662 | 0 | 0 | 0 | 0 | 0 | 0 | 5455690.05705 | 0.09234823297004724 | 4743946.853429999 | 0.08843052056654649 | 4351425.26025 | 0.08140650062483315 | 3753797.44284 | 0.0781317768421344 59051093.04213075 | 0.9999999999625127 | 0 | 0 | 0 | 0 | 0 | 0 | 59077362.73414198 | 0.9999999999960648 | 53646035.592770696 | 1.0000000000780351 | 53453044.00885875 | 1.0000000000589218 | 48044439.72573633 | 1.0000000000843434 [unibkgdes&$] UNIBANK (UNIBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 14 | Septembre 14 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 592464.9869415521 | 1000295.35112 | 1592760.338061552 | 0.3719737193246561 | 265373.62753935595 | 349017.405 | 614391.032539356 | 0.4319295261236693 Avoirs à la BRH | 11751539.529294468 | 4842868.23924 | 16594407.768534468 | 0.7081626348592676 | 12642989.161595512 | 5474755.80485 | 18117744.966445513 | 0.6978235528213155 Avoirs à l'étranger | 1379362.454804855 | 0 | 1379362.454804855 | 1 | 1199310.403287437 | 0 | 1199310.403287437 | 1 Avoirs dans les banques locales | 241.98105446413805 | 100.3546000001952 | 342.3356544643333 | 0.7068532047670459 | 11.823134305797634 | 3.519669999368489 | 15.342804305166123 | 0.7705979995988498 Autres liquidités | 159802.138067321 | 354586.11968 | 514388.25774732104 | 0.3106644361734621 | 255511.36727517002 | 338594.57991 | 594105.94718517 | 0.43007710743473276 13883411.09016266 | 6197850.06464 | 20081261.15480266 | 0.6913615127624734 | 14363196.382831778 | 6162371.309429999 | 20525567.692261778 | 0.6997709684905213 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 3282932.8366202563 | 9262846.365910001 | 12545779.202530257 | 0.26167628041454355 | 4754563.223020178 | 9091620.456149999 | 13846183.679170176 | 0.3433843818042667 Portefeuille net | 16298999.21273 | 7757420.65251 | 24056419.86524 | 0.6775322057078418 | 14836462.88005 | 7641177.724329999 | 22477640.604379997 | 0.660054279769869 Immobilisations | 0 | 1437499.7739299997 | 1437499.7739299997 | 0 | 0 | 1429239.08783 | 1429239.08783 | 0 Autres actifs | 181236.09054150202 | 748896.9572999999 | 930133.0478415019 | 0.1948496410939108 | 189731.44337250697 | 609000.22736 | 798731.670732507 | 0.23754090431709887 33646579.23005442 | 25404513.814290002 | 59051093.044344425 | 0.5697875770866344 | 34143953.92927446 | 24933408.805099998 | 59077362.73437446 | 0.5779532522938372 PASSIF Dépôts À vue | 13631663.334553052 | 9161104.151929999 | 22792767.486483052 | 0.5980696877918458 | 14644616.230663728 | 8195842.00191 | 22840458.23257373 | 0.6411699836117312 Épargne | 12605529.589360606 | 7682638.86554 | 20288168.454900607 | 0.6213241780489919 | 12290227.32337003 | 7500529.05166 | 19790756.37503003 | 0.6210084693315003 À terme | 4443129.361472125 | 1960710.78002 | 6403840.141492125 | 0.693822653798609 | 3972601.449821667 | 1883183.54091 | 5855784.990731667 | 0.6784063035287946 30680322.285385784 | 18804453.797489997 | 49484776.08287578 | 0.6199951725355531 | 30907445.003855422 | 17579554.59448 | 48486999.59833542 | 0.6374377721841235 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1246608.260137266 | 962447.22031 | 2209055.4804472663 | 0.5643173162336629 | 1168237.495728968 | 1034529.0830199999 | 2202766.578748968 | 0.5303501092668897 1246608.260137266 | 962447.22031 | 2209055.4804472663 | 0.5643173162336629 | 1168237.495728968 | 1034529.0830199999 | 2202766.578748968 | 0.5303501092668897 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 600000 | 600000 | 0 Banque à l'étranger | 607720.1 | 0 | 607720.1 | 0 | 1457846.4 | 0 | 1457846.4 | 0 Autres | 272092.793512962 | 176263.35753 | 448356.151042962 | 0.6068675379606642 | 253556.73830225097 | 118972.78609 | 372529.524392251 | 0.6806352831118725 879812.8935129619 | 176263.35753 | 1056076.2510429618 | 0.833095993441832 | 1711403.1383022508 | 718972.78609 | 2430375.924392251 | 0.7041721904524753 Autres passifs | 167813.44137473602 | 336173.65411999996 | 503987.095494736 | 0.33297170279727684 | 173712.628315337 | 327817.94737 | 501530.575685337 | 0.34636498099434965 32974556.88041075 | 20279338.029449996 | 53253894.909860745 | 0.6191952144763222 | 33960798.26620198 | 19660874.410960004 | 53621672.677161984 | 0.6333408968919806 AVOIR DES ACTIONNAIRES Capital versé | 0 | 2092652 | 2092652 | 0 | 0 | 2092704 | 2092704 | 0 Réserves | 0 | 867190.37238 | 867190.37238 | 0 | 0 | 867190.37238 | 867190.37238 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 2837355.75989 | 2837355.75989 | 0 | 0 | 2495795.68467 | 2495795.68467 | 0 0 | 5797198.13227 | 5797198.13227 | 0 | 0 | 5455690.05705 | 5455690.05705 | 0 32974556.88041075 | 26076536.161719996 | 59051093.042130746 | 0.5584072229939019 | 33960798.26620198 | 25116564.468010005 | 59077362.73421198 | 0.5748529841961805 * converties au taux de 46,7477 Gdes | * converties au taux de 45,5577 Gdes [UNIBKRÉSULT ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2015 | 2014 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 471376.64862 | 0 | 0 | 0 | 0 | 0 | 0 | 344731.78703999997 | 0.008510879647021357 | 347665.75779 | 0.1719792579806369 | 407457.05684000003 | 0.03629989615275683 | 422247.70569 Intérêts sur Bons B.R.H. | 1902 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 973.00793 | -0.9429685326408388 | 55.49207 | 0 | 0 Autres | 26487.89823 | 0 | 0 | 0 | 0 | 0 | 0 | 13325.921040000001 | -0.04197427542314184 | 12766.57516 | 0.061011197618641336 | 13545.479199999998 | 0.3368534868814389 | 18108.3211 499766.54685 | 0 | 0 | 0 | 0 | 0 | 0 | 358057.70807999995 | 0.009349422521724141 | 361405.34088000003 | 0.16505756966609655 | 421058.02811 | 0.04583215944515472 | 440356.02679 Dépenses d'intérêt | 60857.864279999994 | 0 | 0 | 0 | 0 | 0 | 0 | 29207.84185 | 0.018642321565432638 | 29752.34383 | 1.2778940764210711 | 67772.68777 | -0.1064102802662093 | 60560.97707000001 438908.68257 | 0 | 0 | 0 | 0 | 0 | 0 | 328849.8662299999 | 0.00852404427630069 | 331652.99705 | 0.06522583387581658 | 353285.34034 | 0.0750376716862555 | 379795.04971999995 AUTRES REVENUS Commissions | 212621.04478 | 0 | 0 | 0 | 0 | 0 | 0 | 173822.44110999999 | 0.4689254616348318 | 255332.2095500001 | -0.018998344190689243 | 250481.32035 | 0.23688318864293306 | 309816.13421 Gains sur change | 73268.27791 | 0 | 0 | 0 | 0 | 0 | 0 | 80667.80608000001 | -0.11094018524719505 | 71718.50473 | 0.0863468144422927 | 77911.16915 | -0.026314850648085843 | 75860.94837 Autres | 205909.57328 | 0 | 0 | 0 | 0 | 0 | 0 | 163547.70474 | 0.35348281549964605 | 221359.00788 | 0.37229673235017197 | 303770.24318999995 | -0.12301285052673012 | 266402.59967 491798.89597 | 0 | 0 | 0 | 0 | 0 | 0 | 418037.95193 | 0.3118658715748152 | 548409.7221600001 | 0.1527197771041059 | 632162.73269 | 0.031506048253190796 | 652079.6822500001 PRODUIT NET BANCAIRE | 930707.57854 | 0 | 0 | 0 | 0 | 0 | 0 | 746887.8181599999 | 0.1783064307811099 | 880062.7192100001 | 0.11974754925944414 | 985448.07303 | 0.047112232709786574 | 1031874.7319700001 Dotation à la provision pour créances douteuses | 18007.301 | 0 | 0 | 0 | 0 | 0 | 0 | 12028.613389999999 | 0.005779134115141777 | 12098.128359999999 | 0.021929307749550247 | 12363.43194 | 0.4962376037474267 | 18498.63178 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 912700.27754 | 0 | 0 | 0 | 0 | 0 | 0 | 734859.20477 | 0.18113046038752445 | 867964.5908500002 | 0.12111098925942983 | 973084.6410899999 | 0.04140591414007691 | 1013376.10019 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 214622.43433000002 | 0 | 0 | 0 | 0 | 0 | 0 | 183418.09772999998 | 0.013775324961222543 | 185944.74163 | 0.13366997819953358 | 210799.97119 | 0.07941571360515505 | 227540.80133 Frais de locaux | 23162.942890000002 | 0 | 0 | 0 | 0 | 0 | 0 | 20593.86666 | 0.04146671987823778 | 21447.82676 | 0.02924365564019502 | 22075.03962 | 0.03096709187242675 | 22758.6394 Amortissement | 47770.35523 | 0 | 0 | 0 | 0 | 0 | 0 | 42312.188980000006 | 0.023793519415312294 | 43318.94487 | 0.05833050268382494 | 45845.7607 | 0.025347299123340696 | 47007.826909999996 Autres dépenses d'exploitation | 232672.22993 | 0 | 0 | 0 | 0 | 0 | 0 | 201511.10470000003 | 0.033777988166624286 | 208317.74441 | 0.04139423333534361 | 216940.89773000003 | 0.014717999987138514 | 220133.83385999998 518227.96238000004 | 0 | 0 | 0 | 0 | 0 | 0 | 447835.25807 | 0.024995797892827666 | 459029.25767 | 0.07980408864555502 | 495661.66924 | 0.04394011805148149 | 517441.1015 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 394472.31516 | 0 | 0 | 0 | 0 | 0 | 0 | 287023.9467 | 0.4247429104144507 | 408935.33318000013 | 0.16747791915513874 | 477422.9718499999 | 0.03877489758874938 | 495934.99869000004 Impôts sur le revenu | 52748.72184 | 0 | 0 | 0 | 0 | 0 | 0 | 32654.618780000004 | -0.5766522719760871 | 13824.25867 | 0.820883811630819 | 25172.368819999996 | 0.4126292751497993 | 35559.22512 BÉNÉFICE NET (PERTE NETTE) | 341723.59332 | 0 | 0 | 0 | 0 | 0 | 0 | 254369.32791999995 | 0.5532968449492619 | 395111.0745100001 | 0.14461636791846905 | 452250.60302999994 | 0.017966080057301985 | 460375.77357 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 | 2014 (oct.-déc. 14) | 2013 (oct. -déc. 13) | 2014 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 471376.64862 | 0.3673721610282058 | 344731.78703999997 | 0 | 0 | 347665.75779 | 0 | 0 | 407457.05684000003 | 0 | 0 | 422247.70569 | 471376.64862 | 0.3673721610282058 | 344731.78703999997 | 1522102.30736 Intérêts sur Bons B.R.H. | 1902 | 0 | 0 | 0 | 0 | 973.00793 | 0 | 0 | 55.49207 | 0 | 0 | 0 | 1902 | 0 | 0 | 1028.5 Autres | 26487.89823 | 0.987697371948408 | 13325.921040000001 | 0 | 0 | 12766.57516 | 0 | 0 | 13545.479199999998 | 0 | 0 | 18108.3211 | 26487.89823 | 0.987697371948408 | 13325.921040000001 | 57746.2965 499766.54685 | 0.39577094857105655 | 358057.70807999995 | 0 | 0 | 361405.34088000003 | 0 | 0 | 421058.02811 | 0 | 0 | 440356.02679 | 499766.54685 | 0.39577094857105655 | 358057.70807999995 | 1580877.10386 Dépenses d'intérêt | 60857.864279999994 | 1.0836138661850496 | 29207.84185 | 0 | 0 | 29752.34383 | 0 | 0 | 67772.68777 | 0 | 0 | 60560.97707000001 | 60857.864279999994 | 1.0836138661850496 | 29207.84185 | 187293.85052000004 438908.68257 | 0.33467800246275353 | 328849.8662299999 | 0 | 0 | 331652.99705 | 0 | 0 | 353285.34034 | 0 | 0 | 379795.04971999995 | 438908.68257 | 0.33467800246275353 | 328849.8662299999 | 1393583.2533399998 AUTRES REVENUS Commissions | 212621.04478 | 0.223208254482211 | 173822.44110999999 | 0 | 0 | 255332.2095500001 | 0 | 0 | 250481.32035 | 0 | 0 | 309816.13421 | 212621.04478 | 0.223208254482211 | 173822.44110999999 | 989452.10522 Gains sur change | 73268.27791 | -0.0917283923980991 | 80667.80608000001 | 0 | 0 | 71718.50473 | 0 | 0 | 77911.16915 | 0 | 0 | 75860.94837 | 73268.27791 | -0.0917283923980991 | 80667.80608000001 | 306158.42833 Autres | 205909.57328 | 0.2590184228347614 | 163547.70474 | 0 | 0 | 221359.00788 | 0 | 0 | 303770.24318999995 | 0 | 0 | 266402.59967 | 205909.57328 | 0.2590184228347614 | 163547.70474 | 955079.55548 491798.89597 | 0.1764455683974627 | 418037.95193 | 0 | 0 | 548409.7221600001 | 0 | 0 | 632162.73269 | 0 | 0 | 652079.6822500001 | 491798.89597 | 0.1764455683974627 | 418037.95193 | 2250690.08903 PRODUIT NET BANCAIRE | 930707.57854 | 0.24611428371244615 | 746887.8181599999 | 0 | 0 | 880062.7192100001 | 0 | 0 | 985448.07303 | 0 | 0 | 1031874.7319700001 | 930707.57854 | 0.24611428371244615 | 746887.8181599999 | 3644273.3423699997 Dotation à la provision pour créances douteuses | 18007.301 | 0.4970388037386246 | 12028.613389999999 | 0 | 0 | 12098.128359999999 | 0 | 0 | 12363.43194 | 0 | 0 | 18498.63178 | 18007.301 | 0.4970388037386246 | 12028.613389999999 | 54988.80546999999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 912700.27754 | 0.24200700163463518 | 734859.20477 | 0 | 0 | 867964.5908500002 | 0 | 0 | 973084.6410899999 | 0 | 0 | 1013376.10019 | 912700.27754 | 0.24200700163463518 | 734859.20477 | 3589284.5368999997 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 214622.43433000002 | 0.17012681401774368 | 183418.09772999998 | 0 | 0 | 185944.74163 | 0 | 0 | 210799.97119 | 0 | 0 | 227540.80133 | 214622.43433000002 | 0.17012681401774368 | 183418.09772999998 | 807703.61188 Frais de locaux | 23162.942890000002 | 0.12474958065985664 | 20593.86666 | 0 | 0 | 21447.82676 | 0 | 0 | 22075.03962 | 0 | 0 | 22758.6394 | 23162.942890000002 | 0.12474958065985664 | 20593.86666 | 86875.37243999999 Amortissement | 47770.35523 | 0.12899749177665906 | 42312.188980000006 | 0 | 0 | 43318.94487 | 0 | 0 | 45845.7607 | 0 | 0 | 47007.826909999996 | 47770.35523 | 0.12899749177665906 | 42312.188980000006 | 178484.72146000003 Autres dépenses d'exploitation | 232672.22993 | 0.15463726069285932 | 201511.10470000003 | 0 | 0 | 208317.74441 | 0 | 0 | 216940.89773000003 | 0 | 0 | 220133.83385999998 | 232672.22993 | 0.15463726069285932 | 201511.10470000003 | 846903.5807000002 518227.96238000004 | 0.1571843731406185 | 447835.25807 | 0 | 0 | 459029.25767 | 0 | 0 | 495661.66924 | 0 | 0 | 517441.1015 | 518227.96238000004 | 0.1571843731406185 | 447835.25807 | 1919967.2864800002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 394472.31516 | 0.374353323809271 | 287023.9467 | 0 | 0 | 408935.33318000013 | 0 | 0 | 477422.9718499999 | 0 | 0 | 495934.99869000004 | 394472.31516 | 0.374353323809271 | 287023.9467 | 1669317.2504199995 Impôts sur le revenu | 52748.72184 | 0.615352553811072 | 32654.618780000004 | 0 | 0 | 13824.25867 | 0 | 0 | 25172.368819999996 | 0 | 0 | 35559.22512 | 52748.72184 | 0.615352553811072 | 32654.618780000004 | 107210.47139 BÉNÉFICE NET (PERTE NETTE) | 341723.59332 | 0.3434150890530059 | 254369.32791999995 | 0 | 0 | 395111.0745100001 | 0 | 0 | 452250.60302999994 | 0 | 0 | 460375.77357 | 341723.59332 | 0.3434150890530059 | 254369.32791999995 | 1562106.7790299994 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre - Décembre ) | ANNÉE 2015 | Var. | 2014 | 2014 | Var. | 2013 | Var. | 2012 | Var. | 2011 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 471376.64862 | 0.3673721610282058 | 344731.78703999997 | 1522102.30736 | 0.27740888676094966 | 1191554.5 | 0.1710516639151988 | 1017508.0542700001 | 0.2746314460618013 | 798276.28403 Intérêts sur Bons B.R.H. | 1902 | 0 | 0 | 1028.5 | -0.9851853665703512 | 69424.6 | 7.243828852358163 | 8421.402390000001 | 0.2549439729011101 | 6710.58037 Autres | 26487.89823 | 0.987697371948408 | 13325.921040000001 | 57746.2965 | -0.04488743834787183 | 60460.2 | 0.1696866692562971 | 51689.2272 | -0.642933917382109 | 144760.95523 499766.54685 | 0.39577094857105655 | 358057.70807999995 | 1580877.10386 | 0.19632971704413502 | 1321439.3 | 0.22625871265208714 | 1077618.68386 | 0.1346366494211228 | 949747.8196299999 Dépenses d'intérêt | 60857.864279999994 | 1.0836138661850496 | 29207.84185 | 187293.85052000004 | 1.2804198949730496 | 82131.3 | 0.2960938330520119 | 63368.32867 | -0.05993566851286182 | 67408.50232 438908.68257 | 0.33467800246275353 | 328849.8662299999 | 1393583.2533399998 | 0.12448499754701803 | 1239308 | 0.2218955543454947 | 1014250.35519 | 0.14950148462403226 | 882339.31731 AUTRES REVENUS Commissions | 212621.04478 | 0.223208254482211 | 173822.44110999999 | 989452.10522 | 0.13582821866767497 | 871128.3 | 0.22643802681394132 | 710291.33226 | 0.2845805394690021 | 552936.39475 Gains sur change | 73268.27791 | -0.0917283923980991 | 80667.80608000001 | 306158.42833 | -0.06522561492202639 | 327521.2 | 0.45777400790080663 | 224672.13589000003 | -0.14702784368087393 | 263399.14407 Autres | 205909.57328 | 0.2590184228347614 | 163547.70474 | 955079.55548 | 0.35483980882887617 | 704939.1 | -0.022619009917701213 | 721253.1317400001 | -0.15418191957161542 | 852728.4394 491798.89597 | 0.1764455683974627 | 418037.95193 | 2250690.08903 | 0.18234060081574338 | 1903588.6 | 0.14935969131478904 | 1656216.5998900002 | -0.007697355222836357 | 1669063.97822 PRODUIT NET BANCAIRE | 930707.57854 | 0.24611428371244615 | 746887.8181599999 | 3644273.3423699997 | 0.15952696069288427 | 3142896.6 | 0.176909002383011 | 2670466.95508 | 0.04666595036488244 | 2551403.29553 Dotation à la provision pour créances douteuses | 18007.301 | 0.4970388037386246 | 12028.613389999999 | 54988.80546999999 | 0.35262168005214783 | 40653.5 | 0 | 0 | 0 | -10000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 912700.27754 | 0.24200700163463518 | 734859.20477 | 3589284.5368999997 | 0.15699654127685855 | 3102243.1 | 0.16168563482825984 | 2670466.95508 | 0.04257965145134759 | 2561403.29553 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 214622.43433000002 | 0.17012681401774368 | 183418.09772999998 | 807703.61188 | 0.16081341927079618 | 695808.3 | 0.10889075656014495 | 627481.37802 | 0.20205758291700762 | 522006.08934 Frais de locaux | 23162.942890000002 | 0.12474958065985664 | 20593.86666 | 86875.37243999999 | 0.073577229756282 | 80921.4 | 0.038412731780303314 | 77927.97365 | 0.13106305838643756 | 68897.99209000001 Amortissement | 47770.35523 | 0.12899749177665906 | 42312.188980000006 | 178484.72146000003 | 0.05226658440401559 | 169619.3 | 0.06661245377203577 | 159026.17619 | 0.058373979681570716 | 150255.18318 Autres dépenses d'exploitation | 232672.22993 | 0.15463726069285932 | 201511.10470000003 | 846903.5807000002 | 0.06285352148275307 | 796820.6 | 0.13777591873146713 | 700331.74976 | -0.0047103907446777605 | 703646.1983 518227.96238000004 | 0.1571843731406185 | 447835.25807 | 1919967.2864800002 | 0.10142311251871312 | 1743169.6 | 0.11401204826531693 | 1564767.27762 | 0.08302973499863679 | 1444805.46291 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 394472.31516 | 0.374353323809271 | 287023.9467 | 1669317.2504199995 | 0.22827591768951383 | 1359073.5 | 0.2291524793803387 | 1105699.6774600002 | -0.009760143573293566 | 1116597.8326199998 Impôts sur le revenu | 52748.72184 | 0.615352553811072 | 32654.618780000004 | 107210.47139 | 0.48555976563149544 | 72168.4 | 2.190757078453039 | -60607.155989999985 | -1.973595396948038 | 62250.86538 BÉNÉFICE NET (PERTE NETTE) | 341723.59332 | 0.3434150890530059 | 254369.32791999995 | 1562106.7790299994 | 0.21384768700504744 | 1286905.1 | 0.10340183482700151 | 1166306.83345 | 0.1061888255846949 | 1054346.9672399997 [pageint.sect5] SECTION 5 RESPECT DES NORMES PRUDENTIELLES LIMITE RELATIVE À LA POSITION NETTE DE CHANGE DES BANQUES LIMITES SUR LA CONCENTRATION DES RISQUES DE CRÉDIT SUFFISANCE DES FONDS PROPRES [posinette] Circulaire 81-3 - POSITION NETTE DE CHANGE DES BANQUES Circulaire 81-4 - POSITION NETTE DE CHANGE DES BANQUES Trim 1 2015 | Trim 4 2014 Octobre 1 | Nombre de jours de dépassement | Novembre 1 | Nombre de jours de dépassement | Décembre 1 | Nombre de jours de dépassement | Juillet 1 | Nombre de jours de dépassement | Août 1 | Nombre de jours de dépassement | Septembre 1 | Nombre de jours de dépassement BNC | 0.006 | 0 | 0.0041 | 0 | 0.0077 | 0 | 0.0017 | 0 | 0.0058 | 0 | 0.0055 | 0 BPH | 0.1173 | 29 | 0.0783 | 30 | 0.1257 | 28 | 0.0045 | 29 | 0.0366 | 31 | 0.0091 | 23 BUH | 0.0041 | 23 | 0.0506 | 13 | 0.0048 | 14 | 0.0099 | 13 | 0.0278 | 13 | 0.0449 | 10 CAPITALBK | 0.0031 | 0 | 0.0033 | 0 | 0.0096 | 0 | 0.0238 | 1 | 0.0169 | 1 | 0.0075 | 2 CBNA | 0.0144 | 1 | 0.0088 | 0 | 0.0108 | 0 | 0.0069 | 0 | 0.0095 | 0 | 0.0098 | 1 SCOTIA | 0.0195 | 0 | 0.0122 | 0 | 0.0101 | 0 | 0.0133 | 1 | 0.0163 | 0 | 0.0158 | 0 SOGEBK | 0.0018 | 0 | 0.0104 | 0 | 0.0107 | 1 | 0.0081 | 2 | 0.0047 | 0 | 0.0019 | 0 SOGEBL | 0.0254 | 2 | 0.0101 | 0 | 0.013 | 0 | 0.0116 | 1 | 0.0006 | 0 | 0.0107 | 2 UNIBK | 0.0112 | 0 | 0.0151 | 1 | 0.01 | 0 | 0.002 | 0 | 0.0115 | 0 | 0.0132 | 1 1 Position de chaque banque le dernier jour du mois [Apparentés déc. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DÉCEMBRE 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 51478000 | 0 | 0 | 0 | 0 | 41 | 51478000 | 1 | 0 | 0 | 1 BPH | 2 | 2273000 | 0 | 0 | 0 | 0 | 2 | 2273000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 1 | 39353000 | 4 | 277667000 | 5 | 317020000 | 0 | 0.12413412403002966 | 0.8758658759699703 | 1 CAPITALBK | 31 | 138706160 | 1 | 61150000 | 1 | 144655000 | 33 | 344511160 | 0.4026173201471906 | 0.1774978784431831 | 0.4198848014096263 | 1 SOGEBK | 15 | 523541360 | 4 | 1153634617 | 0 | 0 | 19 | 1677175977 | 0.31215648636732174 | 0.6878435136326783 | 0 | 1 SOGEBL | 4 | 38853068 | 1 | 29881324 | 0 | 0 | 5 | 68734392 | 0.565263863831079 | 0.4347361361689211 | - | 1 UNIBK | 6 | 126105000 | 2 | 974541000 | 0 | 0 | 8 | 1100646000 | 0.1145736231267819 | 0.8854263768732181 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 4431000 | 0 | 0 | 1 | 119163000 | 2 | 123594000 | 0.03585125491528715 | 0 | 0.9641487450847128 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 57478000 | 2493107000 | 0.023054766602476347 BPH | 2273000 | 127762000 | 0.0177908924406318 BUH | 317020000 | 410141000 | 0.77295369153535 CAPITALBK | 344511160 | 1072228000 | 0.321304013698579 SOGEBK | 1677175977 | 4030552038 | 0.41611569859106234 SOGEBL | 68734393 | 478397824 | 0.14367622416275874 UNIBK | 1100646000 | 5601863000 | 0.19647856436331984 CBNA | 0 | 492460000 | 0 SCOTIABK | 123594000 | 333531000 | 0.37056225658184694 [Apparentés sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 42 | 64503750 | 0 | 0 | 0 | 0 | 42 | 64503750 | 1 | 0 | 0 | 1 BPH | 2 | 2380000 | 0 | 0 | 0 | 0 | 2 | 2380000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 3 | 89511000 | 1 | 47863000 | 4 | 137374000 | 0 | 0.651586180791125 | 0.34841381920887504 | 1 CAPITALBK | 30 | 70156010 | 2 | 127386810 | 0 | 0 | 32 | 197542820 | 0.35514330513252773 | 0.6448566948674723 | 0 | 1 SOGEBK | 15 | 620007703 | 2 | 549687708 | 1 | 582060848 | 18 | 1751756259 | 0.3539349152112834 | 0.31379234706647624 | 0.33227273772224036 | 1 SOGEBL | 4 | 25488005 | 1 | 28915401 | 0 | 0 | 5 | 54403406 | 0.4685001707429862 | 0.5314998292570138 | - | 1 UNIBK | 5 | 119674000 | 2 | 961076000 | 0 | 0 | 7 | 1080750000 | 0.1107323617857969 | 0.8892676382142031 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 4613000 | 0 | 0 | 1 | 115036000 | 2 | 119649000 | 0.0385544383989837 | 0 | 0.9614455616010164 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 64503750 | 2280241000 | 0.028288128316261308 BPH | 2380000 | 129301000 | 0.01840666352155049 BUH | 137374000 | 389080000 | 0.3530739179603166 CAPITALBK | 197542820 | 1007077000 | 0.19615463365760513 SOGEBK | 1751756260 | 3967203492 | 0.4415594671492087 SOGEBL | 54403406 | 451558205 | 0.12047927686310118 UNIBK | 1080750000 | 5190006000 | 0.208236753483522 CBNA | 0 | 442537000 | 0 SCOTIABK | 119649000 | 306459000 | 0.39042416767006355 [Apparentés juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 58825250 | 0 | 0 | 0 | 0 | 41 | 58825250 | 1 | 0 | 0 | 1 BPH | 2 | 2007000 | 0 | 0 | 0 | 0 | 2 | 2007000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 1 | 29776000 | 4 | 212528000 | 5 | 242304000 | 0 | 0.12288695192815637 | 0.8771130480718436 | 1 CAPITALBK | 28 | 55850680 | 2 | 122838770 | 0 | 0 | 30 | 178689450 | 0.31255723267378127 | 0.6874427673262188 | 0 | 1 SOGEBK | 16 | 744706296 | 1 | 291572647 | 1 | 419951237 | 18 | 1456230180 | 0.5113932578982809 | 0.20022428528434977 | 0.28838245681736935 | 1 SOGEBL | 5 | 34033675 | 1 | 29482605 | 0 | 0 | 6 | 63516280 | 0.53582601185082 | 0.46417398814918004 | - | 1 UNIBK | 6 | 118130000 | 2 | 904558000 | 0 | 0 | 8 | 1022688000 | 0.11550932444694766 | 0.8844906755530524 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 58825250 | 2118187000 | 0.027771509314333438 BPH | 2007000 | 127040000 | 0.01579817380352645 BUH | 242304000 | 372108000 | 0.6511657905769292 CAPITALBK | 178689450 | 905300000 | 0.19738147575389373 SOGEBK | 1456230180 | 3838666380 | 0.37935835934770656 SOGEBL | 63516280 | 399003481 | 0.1591872828798704 UNIBK | 1022688000 | 5619638000 | 0.18198467588125783 CBNA | 0 | 435685000 | 0 SCOTIABK | 0 | 309086000 | 0 [Apparentés mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 59692250 | 0 | 0 | 0 | 0 | 41 | 59692250 | 1 | 0 | 0 | 1 BPH | 2 | 2128000 | 0 | 0 | 0 | 0 | 2 | 2128000 | 1 | 0 | 0 | 1 BUH | 1 | 17710000 | 2 | 62358000 | 1 | 53582000 | 4 | 133650000 | 0.1325102880658436 | 0.46657687991021324 | 0.4009128320239431 | 1 CAPITALBK | 30 | 72040450 | 2 | 127887770 | 0 | 0 | 32 | 199928220 | 0.3603315730015503 | 0.6396684269984497 | 0 | 1 SOGEBK | 16 | 686856444 | 1 | 299447475 | 1 | 441034364 | 18 | 1427338283 | 0.4812148964128919 | 0.20979432736198808 | 0.30899077622512 | 1 SOGEBL | 6 | 46486230 | 0 | 0 | 0 | 0 | 6 | 46486230 | 1 | 0 | - | 1 UNIBK | 7 | 124081000 | 2 | 995259000 | 0 | 0 | 9 | 1119340000 | 0.11085193060196187 | 0.8891480693980381 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 7323000 | 0 | 0 | 0 | 0 | 1 | 7323000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 59692250 | 1858857000 | 0.032112341078415395 BPH | 2128000 | 134672000 | 0.01580135440180587 BUH | 133650000 | 383104000 | 0.3488608837287003 CAPITALBK | 199928220 | 824283000 | 0.2425480326538337 SOGEBK | 1427338283 | 3694541732 | 0.3863370308250182 SOGEBL | 46486230 | 361072049 | 0.12874502506839017 UNIBK | 1119340000 | 5266914000 | 0.2125229308851445 CBNA | 0 | 355797000 | 0 SCOTIABK | 7323000 | 322186000 | 0.022729106789245963 [Apparentés déc. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DÉCEMBRE 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 58450250 | 0 | 0 | 0 | 0 | 41 | 58450250 | 1 | 0 | 0 | 1 BPH | 2 | 1824000 | 0 | 0 | 0 | 0 | 2 | 1824000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 0 | 0 | 3 | 114786000 | 3 | 114786000 | 0 | 0 | 1 | 1 CAPITALBK | 31 | 97532880 | 1 | 48759000 | 0 | 0 | 32 | 146291880 | 0.6667005714876314 | 0.33329942851236855 | 0 | 1 SOGEBK | 15 | 475948270 | 2 | 519196608 | 1 | 462172372 | 18 | 1457317250 | 0.3265920786980323 | 0.35626875891299575 | 0.31713916238897194 | 1 SOGEBL | 6 | 55340626 | 0 | 0 | 0 | 0 | 6 | 55340626 | 1 | 0 | - | 1 UNIBK | 7 | 90109500 | 2 | 764987000 | 0 | 0 | 9 | 855096500 | 0.10537933437921919 | 0.8946206656207808 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 7694000 | 0 | 0 | 0 | 0 | 1 | 7694000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 58450250 | 1891133000 | 0.03090753003622696 BPH | 1824000 | 202275000 | 0.009017426770485724 BUH | 114786000 | 221541000 | 0.5181253131474535 CAPITALBK | 146291880 | 851135000 | 0.17187858565327474 SOGEBK | 1457317250 | 3856976950 | 0.3778392427260941 SOGEBL | 55340626 | 386006883 | 0.14336694094649086 UNIBK | 855096500 | 4921291000 | 0.17375450872545437 CBNA | 0 | 329080000 | 0 SCOTIABK | 7694000 | 309696000 | 0.02484371771027072 [Apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 40 | 50822500 | 0 | 0 | 0 | 0 | 40 | 50822500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 BUH | 0 | 0 | 0 | 0 | 2 | 87742900 | 2 | 87742900 | 0 | 0 | 1 | 1 CAPITALBK | 32 | 137959600 | 0 | 0 | 0 | 0 | 32 | 137959600 | 1 | - | - | 1 SOGEBK | 14 | 636670157 | 1 | 311426690 | 1 | 542642824 | 16 | 1490739671 | 0.42708339315402843 | 0.20890749475466264 | 0.36400911209130893 | 1 SOGEBL | 6 | 50315020 | 0 | 0 | 0 | 0 | 6 | 50315020 | 1 | 0 | - | 1 UNIBK | 7 | 42411200 | 2 | 725913000 | 0 | 0 | 9 | 768324200 | 0.05519961495420813 | 0.9448003850457919 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | 0 | #DIV/0! SCOTIABK | 1 | 7667000 | 0 | 0 | 0 | 0 | 1 | 7667000 | 1 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 50822500 | 1693916000 | 0.03000296354718888 BPH | 0 | 195473000 | 0 BUH | 87742900 | 221541000 | 0.3960571632338935 CAPITALBK | 137959600 | 804757000 | 0.17143013356826967 SOGEBK | 1490739671 | 3859900176 | 0.38621197518761946 SOGEBL | 50315020 | 384139418 | 0.13098114289328153 UNIBK | 768324200 | 4595480000 | 0.16719128360911156 CBNA | 0 | 347892000 | 0 SCOTIABK | 7667000 | 314826000 | 0.024353134747447797 [Apparentés juin 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 38 | 45640000 | 0 | 0 | 0 | 0 | 38 | 45640000 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | #DIV/0! | 0 | #DIV/0! BUH | 1 | 3936000 | 0 | 0 | 0 | 0 | 1 | 3936000 | 1 | 0 | - | 1 CAPITALBK | 32 | 113707890 | 0 | 0 | 0 | 0 | 32 | 113707890 | 1 | - | - | 1 SOGEBK | 14 | 618528387 | 1 | 310797334 | 1 | 526502889 | 16 | 1455828610 | 0.4248634645255392 | 0.21348483733947227 | 0.36165169813498854 | 1 SOGEBL | 5 | 47288741 | 2 | 49756463 | 0 | 0 | 7 | 97045204 | 0.48728570862708476 | 0.5127142913729152 | - | 1 UNIBK | 7 | 91617000 | 1 | 387459000 | 0 | 0 | 8 | 479076000 | 0.19123688099591715 | 0.8087631190040828 | - | 1 CBNA | 1 | 2319000 | 0 | 0 | 1 | 200877000 | 2 | 203196000 | 0.011412626232799858 | 0 | 0.9885873737672002 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 45640000 | 1573107000 | 0.029012648217826252 BPH | 0 | 38151000 | 0 BUH | 3936000 | 173254000 | 0.0227180902028236 CAPITALBK | 113707890 | 754229000 | 0.15076043217643448 SOGEBK | 1455828610 | 3721651985 | 0.3911780617499086 SOGEBL | 97045205 | 366316483 | 0.26492175346638713 UNIBK | 479076000 | 4296080000 | 0.11151468315301391 CBNA | 2319000 | 309714000 | 0.0074875530327980005 SCOTIABK | 0 | 346117000 | 0 [Apparentés mars 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 35 | 35339000 | 0 | 0 | 0 | 0 | 35 | 35339000 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 1 | 1125000 | 0 | 0 | 1 | 1125000 | - | 1 | 0 | 1 BUH | 4 | 780000 | 0 | 0 | 0 | 0 | 4 | 780000 | 1 | 0 | - | 1 CAPITALBK | 31 | 113823850 | 0 | 0 | 0 | 0 | 31 | 113823850 | 1 | - | - | 1 SOGEBK | 13 | 579953167 | 1 | 319461561 | 1 | 574264540 | 15 | 1473679268 | 0.3935409689159039 | 0.21677821486459292 | 0.3896808162195032 | 1 SOGEBL | 5 | 45785980 | 2 | 49834531 | 0 | 0 | 7 | 95620511 | 0.4788301120875625 | 0.5211698879124376 | - | 1 UNIBK | 7 | 109944000 | 1 | 313108000 | 0 | 0 | 8 | 423052000 | 0.25988294583171806 | 0.7401170541682819 | - | 1 CBNA | 1 | 2298000 | 0 | 0 | 1 | 200877000 | 2 | 203175000 | 0.011310446659283869 | 0 | 0.9886895533407162 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 35339000 | 1232530000 | 0.02867191873625794 BPH | 1125000 | 15186000 | 0.07408139075464243 BUH | 780000 | -64852000 | -0.012027385431443903 CAPITALBK | 113823850 | 699289000 | 0.1627708286559634 SOGEBK | 1473679268 | 3557431190 | 0.41425376607214154 SOGEBL | 95620511 | 347149950 | 0.27544440377998036 UNIBK | 423052000 | 4765543000 | 0.08877309469246211 CBNA | 2296000 | 284729000 | 0.00806380804203295 SCOTIABK | 0 | 346316000 | 0 [Apparentés déc. 12 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DÉCEMBRE 2012 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 35 | 33350000 | 0 | 0 | 0 | 0 | 35 | 33350000 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 2 | 1993000 | 0 | 0 | 2 | 1993000 | - | - | 0 | 0 BUH | 4 | 1226000 | 0 | 0 | 0 | 0 | 4 | 1226000 | 1 | 0 | - | 1 CAPITALBK | 31 | 146509740 | 0 | 0 | 0 | 0 | 31 | 146509740 | 1 | - | - | 1 SOGEBK | 13 | 558428710 | 2 | 509064525 | 1 | 596545097 | 16 | 1664038332 | 0.3355864460939593 | 0.30592115290286476 | 0.3584924010031759 | 1 SOGEBL | 5 | 51703698 | 2 | 46833508 | 0 | 0 | 7 | 98537206 | 0.5247124421205935 | 0.47528755787940646 | - | 1 UNIBK | 8 | 165206000 | 1 | 264131000 | 0 | 0 | 9 | 429337000 | 0.3847932975727692 | 0.6152067024272309 | - | 1 CBNA | 1 | 2050000 | 0 | 0 | 1 | 200877000 | 2 | 202927000 | 0.010102154962129238 | 0 | 0.9898978450378708 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 33350000 | 1136895000 | 0.029334283289134 BPH | 1993000 | 14438000 | 0.13803850948884888 BUH | 1226000 | -84787000 | -0.014459763878896529 CAPITALBK | 146509740 | 700135000 | 0.20925927142622494 SOGEBK | 1664038332 | 3622019466 | 0.459422802008762 SOGEBL | 98537205 | 368592907 | 0.26733342701030327 UNIBK | 429337000 | 4428824000 | 0.09694153572144659 CBNA | 202927000 | 311970000 | 0.6504695964355547 SCOTIABK | 0 | 314262000 | 0 [Non apparentés déc. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DÉCEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 4 | 743366500 | 5 | 1533648500 | 1 | 936747000 | 10 | 3213762000 | 0.23130726544156038 | 0.4772128427680706 | 0.29147989179036904 | 1 BPH | 6 | 52193000 | 6 | 102341000 | 6 | 342508000 | 18 | 497042000 | 0.10500722272966873 | 0.20590010502130604 | 0.6890926722490253 | 1 BUH | 6 | 187647000 | 4 | 229489000 | 2 | 221504000 | 12 | 638640000 | 0.2938228109733183 | 0.359340160340724 | 0.34683702868595767 | 1 CAPITALBK | 1 | 69150020 | 6 | 844285210 | 0 | 0 | 7 | 913435230 | 0.0757032548438054 | 0.9242967451561946 | 0 | 1 SOGEBK | 7 | 2080407302 | 7 | 3998178183 | 0 | 0 | 14 | 6078585485 | 0.34225187868687185 | 0.6577481213131282 | 0 | 1 SOGEBL | 7 | 235730310 | 1 | 75635390 | 1 | 99455102 | 9 | 410820802 | 0.5738032467012223 | 0.18410798487268423 | 0.24208876842609348 | 1 UNIBK | 9 | 3337704000 | 8 | 6149121000 | 0 | 0 | 17 | 9486825000 | 0.35182518914389166 | 0.6481748108561083 | 0 | 1 CBNA | 2 | 65458000 | 7 | 495504000 | 5 | 792024000 | 14 | 1352986000 | 0.04838039713640792 | 0.36622995359892857 | 0.5853896492646635 | 1 SCOTIABK | 2 | 54012000 | 1 | 44550000 | 2 | 462008000 | 5 | 560570000 | 0.09635192750236367 | 0.0794726795939847 | 0.8241753929036516 | 1 [Non apparentés sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 807172000 | 5 | 1463639000 | 1 | 1178140000 | 11 | 3448951000 | 0.2340340584716918 | 0.42437222216262277 | 0.3415937193656854 | 1 BPH | 8 | 76137000 | 7 | 117733000 | 6 | 340386000 | 21 | 534256000 | 0.14251033212542302 | 0.22036813812105058 | 0.6371215297535264 | 1 BUH | 1 | 33168000 | 2 | 130533000 | 2 | 252370000 | 5 | 416071000 | 0.07971716365716429 | 0.3137277051272499 | 0.6065551312155858 | 1 CAPITALBK | 4 | 280073830 | 5 | 751688300 | 0 | 0 | 9 | 1031762130 | 0.2714519382485961 | 0.7285480617514039 | 0 | 1 SOGEBK | 6 | 1869211455 | 7 | 4003560114 | 0 | 0 | 13 | 5872771569 | 0.3182843795367107 | 0.6817156204632893 | 0 | 1 SOGEBL | 4 | 122658800 | 3 | 178547114 | 0 | 0 | 7 | 301205914 | 0.4072257359462072 | 0.5927742640537927 | 0 | 1 UNIBK | 8 | 3018748000 | 8 | 5327083000 | 0 | 0 | 16 | 8345831000 | 0.36170730032755277 | 0.6382926996724473 | 0 | 1 CBNA | 6 | 161979000 | 5 | 323317000 | 4 | 626030000 | 15 | 1111326000 | 0.14575291138693777 | 0.2909290343247616 | 0.5633180542883006 | 1 SCOTIABK | 1 | 25175000 | 2 | 75221000 | 2 | 517789000 | 5 | 618185000 | 0.040724055096775236 | 0.1216804031155722 | 0.8375955417876526 | 1 [Non apparentés juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 956102500 | 4 | 1379948000 | 1 | 1375804000 | 11 | 3711854500 | 0.2575808130410284 | 0.37176780501498646 | 0.37065138194398517 | 1 BPH | 7 | 60508000 | 8 | 133387000 | 8 | 436233000 | 23 | 630128000 | 0.09602493461645888 | 0.21168238834014677 | 0.6922926770433944 | 1 BUH | 1 | 18783000 | 2 | 116421000 | 2 | 225366000 | 5 | 360570000 | 0.05209252017638739 | 0.32288043930443466 | 0.625027040519178 | 1 CAPITALBK | 4 | 245223310 | 6 | 784515870 | 0 | 0 | 10 | 1029739180 | 0.23814118639246104 | 0.7618588136075389 | 0 | 1 SOGEBK | 7 | 2243937185 | 6 | 3516685009 | 0 | 0 | 13 | 5760622194 | 0.38953035096402994 | 0.6104696490359701 | 0 | 1 SOGEBL | 6 | 184614626 | 2 | 122450985 | 0 | 0 | 8 | 307065611 | 0.6012220821432199 | 0.39877791785678013 | 0 | 1 UNIBK | 7 | 2794933000 | 6 | 4111261000 | 0 | 0 | 13 | 6906194000 | 0.4046994625404383 | 0.5953005374595617 | 0 | 1 CBNA | 8 | 252666000 | 5 | 309401000 | 4 | 769098000 | 17 | 1331165000 | 0.18980817554548085 | 0.23242873723392668 | 0.5777630872205924 | 1 SCOTIABK | 2 | 55578000 | 1 | 44550000 | 2 | 527204000 | 5 | 627332000 | 0.08859423718222569 | 0.07101502872482195 | 0.8403907340929524 | 1 [Non apparentés mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 937491000 | 5 | 1276354000 | 1 | 1609063000 | 12 | 3822908000 | 0.24522980934932256 | 0.3338699231056567 | 0.4209002675450207 | 1 BPH | 9 | 77303000 | 9 | 173744000 | 6 | 320108000 | 24 | 571155000 | 0.1353450464409836 | 0.30419763461757315 | 0.5604573189414432 | 1 BUH | 0 | 0 | 2 | 120333000 | 0 | 0 | 2 | 120333000 | 0 | 1 | 0 | 1 CAPITALBK | 3 | 181318490 | 7 | 785771280 | 0 | 0 | 10 | 967089770 | 0.18748878917414255 | 0.8125112108258574 | 0 | 1 SOGEBK | 7 | 1966515369 | 8 | 4297521801 | 0 | 0 | 15 | 6264037170 | 0.3139373722777574 | 0.6860626277222426 | 0 | 1 SOGEBL | 7 | 173426563 | 3 | 153744093 | 0 | 0 | 10 | 327170656 | 0.5300798217062597 | 0.4699201782937404 | 0 | 1 UNIBK | 6 | 2329520000 | 7 | 4599670000 | 0 | 0 | 13 | 6929190000 | 0.3361893670111514 | 0.6638106329888486 | 0 | 1 CBNA | 6 | 144291000 | 7 | 382373000 | 4 | 848239000 | 17 | 1374903000 | 0.10494631257623264 | 0.27810907387648437 | 0.616944613547283 | 1 SCOTIABK | 2 | 54802000 | 1 | 44550000 | 2 | 527978000 | 5 | 627330000 | 0.08735753112396984 | 0.07101525512887953 | 0.8416272137471507 | 1 [Non apparentés déc. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DÉCEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 888868000 | 5 | 1290177000 | 1 | 1849250000 | 12 | 4028295000 | 0.22065613367442058 | 0.3202786786965701 | 0.4590651876290093 | 1 BPH | 9 | 131606000 | 5 | 143377000 | 3 | 219729000 | 17 | 494712000 | 0.26602548553501837 | 0.28981912708808355 | 0.4441553873768981 | 1 BUH | 8 | 129362000 | 2 | 53707000 | 3 | 196516000 | 13 | 379585000 | 0 | 0 | 0 | 0 CAPITALBK | 7 | 453439100 | 3 | 406075030 | 0 | 0 | 10 | 859514130 | 0.52755281638011 | 0.47244718361989 | 0 | 1 SOGEBK | 5 | 1697231868 | 6 | 3125726039 | 1 | 779466640 | 12 | 5602424547 | 0.3029459573728374 | 0.5579238083043477 | 0.13913023432281488 | 1 SOGEBL | 7 | 183773710 | 2 | 92676250 | 0 | 0 | 9 | 276449960 | 0.6647630189564867 | 0.33523698104351324 | 0 | 1 UNIBK | 6 | 2091605000 | 8 | 5010051000 | 1 | 1022161000 | 15 | 8123817000 | 0.25746579471201775 | 0.6167114547262696 | 0.12582275056171255 | 0.9999999999999999 CBNA | 6 | 132898000 | 5 | 222917000 | 7 | 920941000 | 18 | 1276756000 | 0.10409036652265585 | 0.17459639899871235 | 0.7213132344786318 | 1 SCOTIABK | 2 | 52540000 | 1 | 44550000 | 2 | 524083000 | 5 | 621173000 | 0.08458191196333388 | 0.07171915070358821 | 0.8436989373330779 | 1 [Non apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 7 | 818453500 | 5 | 1103273000 | 2 | 2351200000 | 14 | 4272926500 | 0.1915440155593596 | 0.2582007904886733 | 0.5502551939519671 | 1 BPH | 7 | 98725000 | 6 | 165900000 | 2 | 180898000 | 15 | 445523000 | 0.22159349797878 | 0.37237134783164955 | 0.4060351541895705 | 1 BUH | 5 | 78191820 | 2 | 51018829 | 0 | 0 | 7 | 129210649 | 0.6051499671671798 | 0.39485003283282016 | 0 | 1 CAPITALBK | 9 | 528081050 | 4 | 425166050 | 0 | 0 | 13 | 953247100 | 0.5539812814536755 | 0.44601871854632447 | 0 | 1 SOGEBK | 5 | 1408727705 | 6 | 3159970620 | 1 | 816660703 | 12 | 5385359028 | 0.2615847332880923 | 0.5867706504933881 | 0.15164461621851966 | 1 SOGEBL | 6 | 147806581 | 3 | 134909608 | 0 | 0 | 9 | 282716189 | 0.5228090457883189 | 0.4771909542116812 | 0 | 1 UNIBK | 6 | 2176665000 | 8 | 5254876000 | 0 | 0 | 14 | 7431541000 | 0.29289551117325463 | 0.7071044888267454 | 0 | 1 CBNA | 5 | 119947000 | 6 | 290928000 | 5 | 676619000 | 16 | 1087494000 | 0.11029670048754292 | 0.26752147598055714 | 0.6221818235319 | 1 SCOTIABK | 3 | 69873000 | 1 | 44550000 | 2 | 528614000 | 6 | 643037000 | 0.10866093241912984 | 0.06928061682298219 | 0.822058450757888 | 1 [Non apparentés juin 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 601983000 | 5 | 1069124500 | 2 | 2426000000 | 12 | 4097107500 | 0.1469287784125752 | 0.26094616750963945 | 0.5921250540777854 | 1 BPH | 29 | 77622000 | 15 | 78529000 | 21 | 572712000 | 65 | 728863000 | 0.10649738016609431 | 0.10774178412129577 | 0.7857608357126099 | 1 BUH | 7 | 79019000 | 3 | 60146000 | 1 | 93648000 | 11 | 232813000 | 0 | 0 | 0 | 0 CAPITALBK | 10 | 578636840 | 5 | 501515770 | 0 | 0 | 15 | 1080152610 | 0.5356991545852026 | 0.46430084541479744 | 0 | 1 SOGEBK | 6 | 1716895474 | 7 | 3270567752 | 1 | 833750009 | 14 | 5821213235 | 0.29493773972703474 | 0.5618361018517131 | 0.1432261584212522 | 1 SOGEBL | 3 | 86932817 | 0 | 0 | 0 | 0 | 3 | 86932817 | 1 | 0 | 0 | 1 UNIBK | 7 | 2003048000 | 8 | 5184780000 | 0 | 0 | 15 | 7187828000 | 0.27867222198416547 | 0.7213277780158346 | 0 | 1 CBNA | 4 | 90155000 | 4 | 169466000 | 7 | 929589000 | 15 | 1189210000 | 0.07581083240134207 | 0.14250300619739154 | 0.7816861614012663 | 1 SCOTIABK | 3 | 73229000 | 1 | 44550000 | 2 | 503368000 | 6 | 621147000 | 0.11789318792491954 | 0.07172215272713223 | 0.8103846593479482 | 1 [Non apparentés mars 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 213952000 | 6 | 1050261000 | 5 | 3065344000 | 13 | 4329557000 | 0.04941660313052813 | 0.242579321625746 | 0.7080040752437259 | 1 BPH | 58 | 62279000 | 31 | 65093000 | 45 | 592339000 | 134 | 719711000 | 0.08653334463416566 | 0.09044324735900938 | 0.8230234080068249 | 1 BUH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 CAPITALBK | 7 | 330924020 | 7 | 592313800 | 0 | 0 | 14 | 923237820 | 0.3584385440362484 | 0.6415614559637516 | 0 | 1 SOGEBK | 6 | 1599698372 | 5 | 2390007702 | 1 | 868533109 | 12 | 4858239183 | 0.32927534272039977 | 0.49194936930300576 | 0.17877528797659445 | 1 SOGEBL | 3 | 69607568 | 1 | 36281277 | 0 | 0 | 4 | 105888845 | 0.6573645033147731 | 0.34263549668522686 | 0 | 1 UNIBK | 6 | 2032587000 | 7 | 4758650000 | 0 | 0 | 13 | 6791237000 | 0.2992955480717283 | 0.7007044519282717 | 0 | 1 CBNA | 4 | 86623000 | 5 | 216896000 | 6 | 878642000 | 15 | 1182161000 | 0.07327512919137072 | 0.183474162994719 | 0.7432507078139103 | 1 SCOTIABK | 1 | 20741000 | 2 | 82846000 | 2 | 575880000 | 5 | 679467000 | 0.030525397112736895 | 0.12192792291605037 | 0.8475466799712127 | 1 [Non apparentés déc. 12 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DÉCEMBRE 2012 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 210445000 | 3 | 455168000 | 5 | 3080271000 | 10 | 3745884000 | 0.056180330197091 | 0.12151150436051944 | 0.8223081654423896 | 1 BPH | 60 | 64298000 | 34 | 68037000 | 49 | 616396000 | 143 | 748731000 | 0.08587596880588623 | 0.0908697516197406 | 0.8232542795743731 | 1 BUH | 1 | -8192000 | 0 | 0 | 0 | 0 | 1 | -8192000 | 0 | 0 | 0 | 0 CAPITALBK | 11 | 540370580 | 4 | 376535100 | 0 | 0 | 15 | 916905680 | 0.589341512204396 | 0.410658487795604 | 0 | 1 SOGEBK | 7 | 1768411480 | 6 | 2922793713 | 1 | 876823870 | 14 | 5568029063 | 0.3176009787289431 | 0.5249242918687689 | 0.15747472940228796 | 1 SOGEBL | 3 | 77736829 | 0 | 0 | 0 | 0 | 3 | 77736829 | 1 | 0 | 0 | 1 UNIBK | 4 | 1423647000 | 7 | 4570333000 | 0 | 0 | 11 | 5993980000 | 0.23751280451386225 | 0.7624871954861377 | 0 | 1 CBNA | 7 | 157907000 | 4 | 182150000 | 7 | 941317000 | 18 | 1281374000 | 0.12323256129748224 | 0.14215209610933263 | 0.7346153425931852 | 1 SCOTIABK | 1 | 20517000 | 2 | 82846000 | 2 | 516535000 | 5 | 619898000 | 0.03309738053679799 | 0.13364456733204494 | 0.8332580521311571 | 1 [Secteur d'activité déc. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74 200 | Industrie alimentaire | 361302 | 6806.65 | 3434.57 | 348108.23 | 1240812.27 | 215906.73 | 19524.08 | 424133.56 | 154234 | 2774262.0900000003 210 | Industrie des boissons | 3959 | 0 | 8723.47 | 585966.51 | 2123451.62 | 110009.96 | 0 | 399721.34 | 67479 | 3299310.9 220 | Industrie du bois | 6185 | 462.93 | 4893.82 | 3267.9 | 0 | 0 | 0 | 0 | 0 | 14809.65 230 | Industrie chimique | 0 | 319.05 | 0 | 412519.63 | 94192.48 | 82027.17 | 0 | 0 | 0 | 589058.33 240 | Industrie du textile | 288169 | 0 | 56580.33 | 606136.54 | 261276.66 | 103722.21 | 0 | 0 | 8208 | 1324092.74 250 | Industrie pharmacie | 0 | 0 | 18951.48 | 6217.83 | 15185.97 | 0 | 0 | 0 | 0 | 40355.28 260 | Imprimerie, édition | 73656 | 0 | 3256.77 | 89512.64 | 46580.78 | 39351.98 | 0 | 0 | 758 | 253116.17 270 | Sidérurgie, aciérie | 430734 | 0 | 21595.87 | 549247.35 | 380444.33 | 64975 | 0 | 141465.05 | 49937 | 1638398.6 280 | Industrie de la fabrication | 69091 | 0 | 41650.38 | 912042.77 | 539768.09 | 67149.47 | 0 | 0 | 10062 | 1639763.71 290 | Autres industries | 0 | 0 | 84348.03 | 117121.55 | 110518.65 | 45046.75 | 0 | 2407.55 | 4253 | 363695.52999999997 300 | Production et distribution de l'électricité | 1396964 | 0 | 279025.85 | 923195.54 | 95723.14 | 1477.81 | 0 | 70606.48 | 0 | 2766992.8200000003 400 | Production et distribution de gaz | 0 | 0 | 4222.21 | 10376.78 | 2332312.9 | 91429.23 | 0 | 0 | 0 | 2438341.12 500 | Traitement et distribution de l'eau | 0 | 15859.26 | 9527.96 | 273579.09 | 55755.55 | 6596.89 | 0 | 0 | 0 | 361318.75000000006 600 | Entrep/ batiment et corps/ métiers corresp. | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34 700 | Commerce de gros(1) | 1167311 | 137136.91 | 538243.57 | 3957202.88 | 3567388.11 | 419866.63 | 6919.18 | 256414.7 | 27136 | 10077618.979999999 800 | Commerce de détail(2) | 102587 | 413710.91 | 55162.94 | 3523047.76 | 3927742.48 | 678381.51 | 6281.62 | 405054.5 | 9830 | 9121798.719999999 900 | Rest/débits/boissons, casinos/activités/loterie | 75582 | 311.79 | 4821.08 | 9221.69 | 16121.79 | 14801.33 | 0 | 0 | 2536 | 123395.68000000001 1000 | Hotels,motels et pensions | 161911 | 0 | 15018.09 | 1013229.95 | 263461.96 | 571185.9 | 22446.78 | 0 | 0 | 2047253.68 1100 | Transport | 83039 | 56150.11 | 39362.89 | 264862.11 | 466496.06 | 23437.93 | 0 | 0 | 0 | 933348.1 1200 | Immobilier résidentiel / Avance Hypothécaire | 1087188 | 233824.75 | 151906.04 | 170596.38 | 1024905.96 | 622328.97 | 1954469.31 | 0 | 805756 | 6050975.41 1300 | Immobilier commercial | 549526 | 44395.6 | 85851.47 | 677665.91 | 4142670.34 | 12872.05 | 1007189.17 | 0 | 28081 | 6548251.54 1400 | Télécommunications | 517683 | 0 | 65446.01 | 119442.08 | 613515.33 | 3893.62 | 0 | 24794.49 | 437332 | 1782106.53 1500 | Services financiers | 8062 | 0 | 49861.79 | 1643431.38 | 1208743.25 | 867963.93 | 0 | 13187.6 | 944078 | 4735327.95 1510 | Services professionnels | 1089598 | 22902.44 | 97378.93 | 110211.16 | 215309.95 | 149400.21 | 0 | 0.7 | 25898 | 1710699.3899999997 1520 | Services médicaux | 123398 | 0 | 1656.7 | 8970.17 | 40803.67 | 42979.68 | 0 | 0 | 962 | 218770.21999999997 1530 | Services d'agence ou de représentation | 611 | 0 | 4645.18 | 124186.56 | 31103.86 | 138763.09 | 0 | 0 | 754 | 300063.68999999994 1540 | Services d'enseignement | 24591 | 0 | 7032.99 | 156785.47 | 9902.5 | 20282.6 | 0 | 0 | 5960 | 224554.56 1550 | Autres services | 331555 | 49468.99 | 7084.27 | 610119.61 | 149902.54 | 784120.66 | 0 | 28923.05 | 25553 | 1986727.1199999999 1560 | Crédit à la consommation | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.46 | 394607.37 | 9788.43 | 553444 | 9082708.98 Total | 10812016 | 1380453.28 | 2325991.63 | 22556594.559999995 | 25162945.939999998 | 5672059.339999999 | 3411437.5100000002 | 1798984.06 | 3549306 | 76669788.32000001 (1) Commerce de gros Import-export | 1555 | 42837.33 | 28543.37 | 971367.69 | 1425883.23 | 151540 | 0 | 12926.16 | 0 | 2634652.7800000003 Produits pétroliers | 406085 | 0 | 782.74 | 5115.63 | 735.55 | 7311 | 0 | 0 | 0 | 420029.92 Produits pharmaceutiques | 0 | 1901.24 | 360.48 | 121929.7 | 93279.74 | 20879 | 0 | 0 | 0 | 238350.16 Produits alimentaires | 474552 | 16368.98 | 303968.06 | 1680104.09 | 842178.67 | 170235 | 0 | 54156.48 | 27136 | 3568699.28 Matériaux de construction | 0 | 0 | 71995.62 | 429164.34 | 642953.42 | 59977 | 0 | 0 | 0 | 1204090.3800000001 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 285118 | 76029.35 | 132593.3 | 749521.43 | 562357.5 | 9925 | 0 | 189332.06 | 0 | 2004876.6400000001 S-Total | 1167310 | 137136.90000000002 | 538243.5700000001 | 3957202.8800000004 | 3567388.11 | 419867 | - | 256414.7 | 27136 | 10070699.16 (2) Commerce de détail Produits pétroliers | 23297 | 8386.8 | 0 | 131942.36 | 93629.34 | 46656 | 0 | 0 | 0 | 303911.5 Produits pharmaceutiques | 0 | 0 | 0 | 8527.91 | 1306.64 | 19044 | 0 | 0 | 0 | 28878.55 Véhicules automobiles | 0 | 36463.21 | 0 | 941810.21 | 1915418.26 | 124491 | 0 | 174849.44 | 988 | 3194020.1199999996 Produits alimentaires | 1261 | 0 | 7537.6 | 784303.09 | 602522.6 | 155624 | 0 | 0 | 5021 | 1556269.29 Librairie ,papeterie | 1693 | 0 | 0 | 44392.35 | 22710.63 | 9200 | 0 | 0 | 1398 | 79393.98 Appareils électro- ménagers électroni.équip. inform. | 13952 | 0 | 6224.35 | 279814.84 | 201510.09 | 195125 | 0 | 0 | 0 | 696626.28 Matériaux de construction | 0 | 0 | 0 | 220982.99 | 252031.26 | 262 | 0 | 33602.14 | 0 | 506878.39 Autres | 62384 | 368860.9 | 41401 | 1111274.01 | 838613.66 | 127979 | 0 | 196602.92 | 2423 | 2749538.49 S-Total | 102587 | 413710.91000000003 | 55162.95 | 3523047.76 | 3927742.4799999995 | 678381 | - | 405054.5 | 9830 | 9115516.6 [Secteur d'activité déc. 14 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7.172580930585297e-05 | 0.0037060386419921713 | 0 | 0 | 0 | 0 | 0.0012374201374343902 200 | Industrie alimentaire | 0.033416709705202066 | 0.004930735504500377 | 0.0014766046256150976 | 0.015432658909306568 | 0.04931108912917691 | 0.03806496319201062 | 0.005723124032836234 | 0.23576282271228127 | 0.0434546922694183 | 0.03618455392652113 210 | Industrie des boissons | 0.00036616667973854276 | 0 | 0.0037504305206807645 | 0.025977614149216687 | 0.0843880372776416 | 0.019395065073490578 | 0 | 0.2221928192070807 | 0.01901188570385309 | 0.043032737826658965 220 | Industrie du bois | 0.0005720487280078017 | 0.0003353463726059603 | 0.0021039714575413152 | 0.00014487559242630643 | 0 | 0 | 0 | 0 | 0 | 0.000193161482827999 230 | Industrie chimique | 0 | 0.00023111973771397753 | 0 | 0.018288205203259196 | 0.0037433009721754384 | 0.014461620565485835 | 0 | 0 | 0 | 0.007683056689049691 240 | Industrie du textile | 0.026652661261322586 | 0 | 0.024325250903847837 | 0.026871810741984636 | 0.010383389155745253 | 0.0182865170800558 | 0 | 0 | 0.0023125647661824595 | 0.017270071680302247 250 | Industrie pharmacie | 0 | 0 | 0.008147699138539032 | 0.00027565464208086565 | 0.0006035052507846384 | 0 | 0 | 0 | 0 | 0.0005263517858112171 260 | Imprimerie, édition | 0.0068124205513569345 | 0 | 0.0014001641097908853 | 0.003968357890278985 | 0.0018511656032274575 | 0.006937864652170583 | 0 | 0 | 0.00021356287679901367 | 0.0033013808378283 270 | Sidérurgie, aciérie | 0.03983845380916935 | 0 | 0.009284586290622206 | 0.024349746081529077 | 0.015119228523844298 | 0.011455275078275188 | 0 | 0.07863607752033111 | 0.014069511053710218 | 0.021369546413272267 280 | Industrie de la fabrication | 0.0063902051199332295 | 0 | 0.01790650467645922 | 0.04043353120410035 | 0.02145091005190945 | 0.011838640249486531 | 0 | 0 | 0.0028349204041578833 | 0.021387351470908558 290 | Autres industries | 0 | 0 | 0.03626325602899955 | 0.005192341853219888 | 0.004392118882404593 | 0.007941868605345022 | 0 | 0.0013382831196403152 | 0.0011982624208788986 | 0.004743661590430225 300 | Production et distribution de l'électricité | 0.12920476625265814 | 0 | 0.11995995445606998 | 0.040927966211580485 | 0.0038041308926326776 | 0.00026054205561255644 | 0 | 0.039247974214957744 | 0 | 0.03608974122181325 400 | Production et distribution de gaz | 0 | 0 | 0.0018152300917781033 | 0.000460033094641038 | 0.09268838813870615 | 0.016119230163061025 | 0 | 0 | 0 | 0.03180315445535066 500 | Traitement et distribution de l'eau | 0 | 0.011488443853746358 | 0.00409630020895647 | 0.012128563523730778 | 0.0022157799064126595 | 0.0011630502441111628 | 0 | 0 | 0 | 0.004712661374411892 600 | Entrep/ batiment et corps/ métiers corresp. | 4.624484462472124e-07 | 0.12892309546325248 | 0.0006426463366078406 | 0.11741159300245013 | 0.026448427842546963 | 0.03964337404128781 | 0 | 0.01249961603328492 | 0.10905089614702142 | 0.05383866879574032 700 | Commerce de gros(1) | 0.10796423164745594 | 0.09934194223508962 | 0.23140391524108794 | 0.1754344109645601 | 0.1417714809111099 | 0.0740236666847001 | 0.0020282300290471976 | 0.14253305835294616 | 0.007645438291316669 | 0.13144185214048856 800 | Commerce de détail(2) | 0.009488239751032555 | 0.29969207650403057 | 0.023715880697300705 | 0.1561870410282358 | 0.15609231484125663 | 0.1196005664496451 | 0.0018413410714945206 | 0.2251573590929983 | 0.0027695555131059422 | 0.11897513896775029 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006990555692851361 | 0.00022586059558640044 | 0.0020726987740708252 | 0.0004088245668232644 | 0.0006406956498035541 | 0.002609516070401337 | 0 | 0 | 0.0007145058780505259 | 0.0016094433375109648 1000 | Hotels,motels et pensions | 0.01497509807606648 | 0 | 0.006456639742938371 | 0.04491945569641875 | 0.010470235107932678 | 0.10070167918941414 | 0.006579859643977473 | 0 | 0 | 0.0267022216294023 1100 | Transport | 0.0076802513055844535 | 0.04067512520235382 | 0.016923057457433756 | 0.011742114231626286 | 0.018539008155576877 | 0.004132172919051303 | 0 | 0 | 0 | 0.012173609976650056 1200 | Immobilier résidentiel | 0.10055368027572287 | 0.16938258859437821 | 0.06530807679647584 | 0.0075630379198516765 | 0.04073076190855577 | 0.10971834614127998 | 0.5729166383000813 | 0 | 0.22701790152779164 | 0.0789225527106555 1300 | Immobilier commercial | 0.05082548897448912 | 0.03216016118995349 | 0.03690962120959997 | 0.030042917524514844 | 0.16463375750510395 | 0.002269378585168328 | 0.29523893286850794 | 0 | 0.007911687524265307 | 0.08540849901227429 1400 | Télécommunications | 0.047880339799719125 | 0 | 0.028136820939463143 | 0.005295217754714124 | 0.024381697256867372 | 0.000686456146983822 | 0 | 0.013782495660356213 | 0.12321620057554913 | 0.023243921354809863 1500 | Services financiers | 0.0007456518747290052 | 0 | 0.021436788231262896 | 0.07285813359940094 | 0.04803663501412745 | 0.15302447981794215 | 0 | 0.007330581906323283 | 0.26598946385575095 | 0.061762632371384116 1510 | Services professionnels | 0.10077658042681402 | 0.0165905216292434 | 0.04186555477845808 | 0.004885983994917362 | 0.008556627292901143 | 0.02633967683419899 | 0 | 3.891085060531331e-07 | 0.0072966377088929495 | 0.022312561798918495 1520 | Services médicaux | 0.011413042674002703 | 0 | 0.0007122553575139047 | 0.00039767394746310507 | 0.001621577620414345 | 0.007577438355925241 | 0 | 0 | 0.0002710389016895134 | 0.0028534084258444703 1530 | Services d'agence ou de représentation | 5.651120013140935e-05 | 0 | 0.001997075114152496 | 0.005505554469654839 | 0.001236097715830486 | 0.024464322688133235 | 0 | 0 | 0.00021243589591880778 | 0.003913714861812467 1540 | Services d'enseignement | 0.00227441394833304 | 0 | 0.0030236523250085816 | 0.006950759769297376 | 0.00039353500276208123 | 0.0035758793736456224 | 0 | 0 | 0.0016792015115067566 | 0.002928853266983951 1550 | Autres services | 0.030665418919098898 | 0.03583532359747807 | 0.0030456988359842036 | 0.027048391918252403 | 0.0059572730616453415 | 0.13824267571925652 | 0 | 0.016077435394285817 | 0.007199435607975193 | 0.02591277690382959 1560 | Crédit à la consommation | 0.2644566008781341 | 0.1601876595200672 | 0.285819665653741 | 0.1188258047051585 | 0.05683279268691224 | 0.04746573402386162 | 0.11567187405405528 | 0.0054410876770081 | 0.15593020156616533 | 0.11846529355332384 Total | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 (1) Commerce de gros Import-export | 0.00014382146678288305 | 0.03103135080384611 | 0.012271484399107661 | 0.043063578919955554 | 0.05666598948310581 | 0.026716927823960325 | 0 | 0.007185255438005382 | 0 | 0.034363637069188664 Produits pétroliers | 0.037558675458859846 | 0 | 0.0003365188377741497 | 0.00022679088310039656 | 2.9231473999661585e-05 | 0.001288949843744054 | 0 | 0 | 0 | 0.005478428064088334 Produits pharmaceutiques | 0 | 0.0013772577656521632 | 0.00015497906155406073 | 0.005405501246017875 | 0.003707027794854453 | 0.0036810263695160857 | 0 | 0 | 0 | 0.0031087885492156004 Produits alimentaires | 0.043891167012701425 | 0.011857684890284733 | 0.13068321316358306 | 0.07448394240234109 | 0.033469001284990245 | 0.03001290885648598 | 0 | 0.03010392432270912 | 0.007645438291316669 | 0.04654635624015506 Matériaux de construction | 0 | 0 | 0.03095265652353186 | 0.01902611401993476 | 0.025551595649138056 | 0.010574113634008633 | 0 | 0 | 0 | 0.015704887236344466 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.02637047521942254 | 0.0550756415313092 | 0.05700506325553716 | 0.033228483493210434 | 0.02234863522502167 | 0.001749805389024721 | 0 | 0.10524387859223165 | 0 | 0.02614950013468356 S-Total | 0.1079641391577667 | 0.0993419349910922 | 0.23140391524108794 | 0.17543441096456008 | 0.14177148091110992 | 0.0740237319167398 | - | 0.14253305835294616 | 0.007645438291316669 | 0.13135159729367568 (2) Commerce de détail Produits pétroliers | 0.0021547322904442614 | 0.0060753957569646974 | 0 | 0.005849391833019675 | 0.003720921239637651 | 0.008225583902300996 | 0 | 0 | 0 | 0.003963901644433286 Produits pharmaceutiques | 0 | 0 | 0 | 0.00037806726442309214 | 5.1927147286952375e-05 | 0.0033575107132077365 | 0 | 0 | 0 | 0.00037666140252622517 Véhicules automobiles | 0 | 0.026413939919792143 | 0 | 0.041753209133356 | 0.07612058876441716 | 0.021948113116884285 | 0 | 0.09719343483232419 | 0.0002783642774108516 | 0.04165943574369842 Produits alimentaires | 0.00011662949814354696 | 0 | 0.0032405963558862854 | 0.03477045650280998 | 0.02394483545117055 | 0.027436948499907625 | 0 | 0 | 0.001414642749878427 | 0.020298338160326355 Librairie ,papeterie | 0.0001565850438993061 | 0 | 0 | 0.001968043087440235 | 0.0009025425740750927 | 0.0016219858517911771 | 0 | 0 | 0.000393879817631954 | 0.0010355314882131918 Appareils électro- ménagers électroni.équip. inform. | 0.0012904161444082215 | 0 | 0.0026759984514647633 | 0.012405012611974709 | 0.00800820740466925 | 0.034401085796821024 | 0 | 0 | 0 | 0.00908605978005914 Matériaux de construction | 0 | 0 | 0 | 0.009796824135495746 | 0.010015967947511317 | 4.6191336214053084e-05 | 0 | 0.01867839785084032 | 0 | 0.006611188071687635 Autres | 0.005769876774137219 | 0.2672027408272738 | 0.017799290189191266 | 0.04926603645971638 | 0.03332732431248867 | 0.022563057318085115 | 0 | 0.10928552640983379 | 0.0006826686681847099 | 0.03586208531741515 S-Total | 0.009488239751032555 | 0.2996920765040306 | 0.023715884996542314 | 0.15618704102823583 | 0.15609231484125663 | 0.11960047653521201 | - | 0.22515735909299828 | 0.0027695555131059422 | 0.1188932016083594 [Secteur d'activité déc. 14glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1269898 | 550847.82 | 593406.51 | 7480250.64 | 7495130.59 | 1098248.1400000001 | 13200.8 | 661469.2 | 36966 | 19199417.7 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1815308 | 72683.21999999999 | 187499.02999999997 | 3676155.9899999993 | 1935349.52 | 2589497.4000000004 | 22446.78 | 42111.35 | 1005741 | 11346792.29 Industries Manufacturières ( 200 à 290 ) | 1233096 | 7588.63 | 243434.72 | 3630140.9499999997 | 4812230.850000001 | 728189.27 | 19524.08 | 967727.5 | 294931 | 11936863 Prêts aux Particuliers ( 1560 ) | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.46 | 394607.37 | 9788.43 | 553444 | 9082708.98 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1636714 | 278220.35 | 237757.51 | 848262.29 | 5167576.3 | 635201.02 | 2961658.48 | 0 | 833837 | 12599226.950000001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 600722 | 56150.11 | 104808.9 | 384304.19 | 1080011.39 | 27331.55 | 0 | 24794.49 | 437332 | 2715454.63 Bâtiments et Travaux Publics ( 600 ) | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34 Électricité, Gaz et Eau ( 300 à 500 ) | 1396964 | 15859.26 | 292776.02 | 1207151.4100000001 | 2483791.59 | 99503.93 | 0 | 70606.48 | 0 | 5566652.69 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74 Total | 10812016 | 1380453.28 | 2325991.63 | 22556594.56 | 25162945.94 | 5672059.340000001 | 3411437.51 | 1798984.0599999998 | 3549306 | 76669788.32 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1174524713984885 | 0.3990340187391202 | 0.2551197959383887 | 0.33162145199279586 | 0.2978637957523665 | 0.19362423313434518 | 0.0038695711005417186 | 0.3676904174459445 | 0.010414993804422611 | 0.25041699110823895 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1678972728120269 | 0.05265170582230786 | 0.08061036315938935 | 0.16297477796222798 | 0.07691267646541707 | 0.45653566804891715 | 0.006579859643977474 | 0.023408406409115155 | 0.2833627193597847 | 0.1479956125956864 Industries Manufacturières ( 200 à 290 ) | 0.11404866585473052 | 0.005497201614820315 | 0.10465846775209592 | 0.1609347962674025 | 0.19124274484690962 | 0.1283818144963201 | 0.005723124032836235 | 0.5379300025593334 | 0.08309539949499986 | 0.15569187370361062 Prêts aux Particuliers ( 1560 ) | 0.2644566008781341 | 0.1601876595200672 | 0.285819665653741 | 0.11882580470515848 | 0.056832792686912235 | 0.0474657340238616 | 0.1156718740540553 | 0.0054410876770081005 | 0.15593020156616533 | 0.11846529355332386 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.151379169250212 | 0.20154274978433168 | 0.1022176980060758 | 0.03760595544436651 | 0.2053645194136597 | 0.11198772472644829 | 0.8681555711685893 | 0 | 0.23492958905205694 | 0.16433105172292983 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05556059110530358 | 0.04067512520235382 | 0.045059878396896895 | 0.017037331986340408 | 0.04292070541244424 | 0.004818629066035123 | 0 | 0.013782495660356215 | 0.12321620057554913 | 0.035417531331459924 Bâtiments et Travaux Publics ( 600 ) | 4.624484462472124e-07 | 0.12892309546325248 | 0.0006426463366078406 | 0.11741159300245012 | 0.02644842784254696 | 0.039643374041287795 | 0 | 0.012499616033284922 | 0.10905089614702142 | 0.05383866879574033 Électricité, Gaz et Eau ( 300 à 500 ) | 0.12920476625265814 | 0.011488443853746358 | 0.12587148475680457 | 0.0535165628299523 | 0.09870829893775147 | 0.017542822462784737 | 0 | 0.03924797421495775 | 0 | 0.07260555705157581 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7.172580930585296e-05 | 0.0037060386419921704 | 0 | 0 | 0 | 0 | 0.0012374201374343904 Total | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 | 1 | 1 [Secteur d'activité sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84 200 | Industrie alimentaire | 334535 | 22143.37 | 3612.97 | 351551.03 | 1186357.14 | 228978.03 | 21168.66 | 354780.98 | 153155 | 2656282.1799999997 210 | Industrie des boissons | 3906 | 0 | 8948.47 | 601418.91 | 2131987.99 | 110013.03 | 0 | 120744.08 | 70042 | 3047060.48 220 | Industrie du bois | 9360 | 535.05 | 0 | 2167.2 | 0 | 0 | 0 | 0 | 0 | 12062.25 230 | Industrie chimique | 0 | 505.24 | 0 | 473361.57 | 96753.39 | 74056.07 | 0 | 0 | 0 | 644676.27 240 | Industrie du textile | 293147 | 0 | 0 | 599776.96 | 252840.84 | 90253.04 | 0 | 0 | 7816 | 1243833.84 250 | Industrie pharmacie | 0 | 0 | 13741.24 | 7086.11 | 18136.48 | 0 | 0 | 0 | 0 | 38963.83 260 | Imprimerie, édition | 170483 | 0 | 4139.94 | 242155.17 | 86636.88 | 56682 | 0 | 0 | 4533 | 564629.99 270 | Sidérurgie, aciérie | 431148 | 0 | 22654.58 | 546259.3 | 394550.14 | 64975 | 0 | 184082.63 | 45940 | 1689609.65 280 | Industrie de la fabrication | 70545 | 0 | 177724.75 | 849460.16 | 561869.64 | 75161.54 | 0 | 0 | 8852 | 1743613.0900000003 290 | Autres industries | 0 | 0 | 83131.05 | 153898.81 | 108962 | 45108.36 | 0 | 13821.5 | 1355 | 406276.72 300 | Production et distribution de l'électricité | 1626641 | 0 | 356620.26 | 931540.88 | 93722.46 | 1662.85 | 0 | 68794.75 | 0 | 3078982.2 400 | Production et distribution de gaz | 0 | 3401.19 | 4661.25 | 1618.71 | 1441022.63 | 90111.48 | 0 | 47.55 | 0 | 1540862.8099999998 500 | Traitement et distribution de l'eau | 0 | 15644.45 | 7609.61 | 282251.81 | 52871.59 | 0.02 | 0 | 0 | 0 | 358377.48 600 | Entrep/ batiment et corps/ métiers corresp. | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004 700 | Commerce de gros(1) | 1036115 | 132151.8 | 452499.95 | 3948676.91 | 3383162.53 | 464549.86 | 6713.53 | 279574.38 | 14138 | 9717581.959999999 800 | Commerce de détail(2) | 101583 | 400241.74 | 112969.67 | 3327649.59 | 3683975.55 | 606566.62 | 6814.8 | 351991.98 | 7524 | 8599316.95 900 | Rest/débits/boissons, casinos/activités/loterie | 61471 | 2401.36 | 5557.96 | 9456.31 | 18428.69 | 16657.45 | 0 | 0 | 5565 | 119537.77 1000 | Hotels,motels et pensions | 155724 | 0 | 16162.58 | 1003262.96 | 280261.18 | 559783.83 | 22352.12 | 0 | 0 | 2037546.67 1100 | Transport | 66627 | 57765.61 | 49061.22 | 241470.02 | 457851.15 | 25091.45 | 0 | 0 | 0 | 897866.45 1200 | Immobilier résidentiel / Avance Hypothécaire | 1024328 | 196644.01 | 110407.89 | 175289.72 | 987513.74 | 622498.52 | 1792708.15 | 0 | 810855 | 5720245.029999999 1300 | Immobilier commercial | 522551 | 111498.37 | 95202.35 | 657601.64 | 4036654.06 | 2973.24 | 1136279.55 | 0 | 29320 | 6592080.21 1400 | Télécommunications | 550079 | 0 | 9398.62 | 121550.73 | 679719.22 | 4376.57 | 0 | 2020.3 | 443433 | 1810577.44 1500 | Services financiers | 6154 | 0 | 27678.12 | 1456312.66 | 925196.06 | 849051.55 | 0 | 2157.11 | 1099483 | 4366032.5 1510 | Services professionnels | 1072537 | 22871.55 | 106201.57 | 96436.73 | 181769.48 | 127450.77 | 0 | 133.98 | 22638 | 1630039.08 1520 | Services médicaux | 182027 | 0 | 1535.02 | 6637.42 | 40593.8 | 18113.85 | 0 | 0 | 1132 | 250039.09 1530 | Services d'agence ou de représentation | 363 | 0 | 10518.08 | 112290.7 | 26755.21 | 503.81 | 0 | 0 | 1005 | 151435.8 1540 | Services d'enseignement | 24848 | 0 | 7465.06 | 144572.01 | 7119.52 | 21665.64 | 0 | 0 | 6261 | 211931.22999999998 1550 | Autres services | 322835 | 72558.78 | 7639.34 | 623825.99 | 232285.33 | 816860.69 | 0 | 47412.33 | 24216 | 2147633.46 1560 | Crédit à la consommation | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08 Total | 11520613 | 1435916.55 | 2291705.8800000004 | 21961529.130000003 | 23566817.349999998 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.98 (1) Commerce de gros Import-export | 0 | 35569.42 | 37082.86 | 820918.35 | 1357868.59 | 171607 | 0 | 0 | 0 | 2423046.22 Produits pétroliers | 232625 | 0 | 751.29 | 4483.19 | 50939.21 | 12710 | 0 | 0 | 0 | 301508.69 Produits pharmaceutiques | 0 | 2190.43 | 0 | 117053.56 | 86122.47 | 30950 | 0 | 0 | 0 | 236316.46 Produits alimentaires | 495967 | 16523.15 | 202478.96 | 1813347.99 | 899364.39 | 183615 | 0 | 63902.51 | 3933 | 3679132 Matériaux de construction | 0 | 0 | 53123.68 | 418762.2 | 610267.47 | 56846 | 0 | 0 | 4642 | 1143641.35 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 307523 | 77868.8 | 159063.15 | 774111.63 | 378600.39 | 8822 | 0 | 215671.86 | 5563 | 1927223.83 S-Total | 1036115 | 132151.8 | 452499.93999999994 | 3948676.92 | 3383162.52 | 464550 | - | 279574.37 | 14138 | 9710868.55 (2) Commerce de détail Produits pétroliers | 22236 | 5886.8 | 0 | 99849.23 | 100309.17 | 33976 | 0 | 0 | 0 | 262257.2 Produits pharmaceutiques | 0 | 0 | 0 | 9472.6 | 0 | 18026 | 0 | 0 | 308 | 27806.6 Véhicules automobiles | 0 | 35535.01 | 34168.28 | 869268.15 | 1905391.22 | 122864 | 0 | 106361.8 | 0 | 3073588.46 Produits alimentaires | 1201 | 0 | 8413.09 | 683474.84 | 451976.99 | 148249 | 0 | 0 | 4982 | 1298296.92 Librairie ,papeterie | 1743 | 0 | 0 | 45597.13 | 22381.53 | 8704 | 0 | 0 | 0 | 78425.66 Appareils électro- ménagers électroni.équip. inform. | 13592 | 0 | 6094.6 | 317938.38 | 168892.13 | 169566 | 0 | 0 | 0 | 676083.11 Matériaux de construction | 0 | 0 | 0 | 200750.56 | 261595.69 | 319 | 0 | 65010.1 | 0 | 527675.35 Autres | 62812 | 358819.93 | 64293.7 | 1101298.71 | 773428.82 | 104862 | 0 | 180620.08 | 2234 | 2648369.2399999998 S-Total | 101584 | 400241.74 | 112969.66999999998 | 3327649.5999999996 | 3683975.5499999993 | 606566 | - | 351991.98 | 7524 | 8592502.54 [Secteur d'activité sept. 14 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 8.310714564528139e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.0013436947724269218 200 | Industrie alimentaire | 0.02903795136595596 | 0.015421070256485307 | 0.001576541750636866 | 0.016007584349842584 | 0.0503401508307612 | 0.042064329526349566 | 0.006515853312805958 | 0.24511951114966657 | 0.040343675271807135 | 0.035553368010037445 210 | Industrie des boissons | 0.0003390444588321819 | 0 | 0.00390472009436045 | 0.027385110865456388 | 0.09046567291361472 | 0.02020990549229627 | - | 0.0834225382201048 | 0.018450273927641377 | 0.04078379300586256 220 | Industrie du bois | 0.0008124567677084545 | 0.00037261914698315853 | 0 | 9.868165313860363e-05 | 0 | 0 | - | 0 | 0 | 0.00016144881613408793 230 | Industrie chimique | 0 | 0.0003518588876212897 | 0 | 0.02155412618119456 | 0.004105492420256739 | 0.013604444635611593 | - | 0 | 0 | 0.008628756706355748 240 | Industrie du textile | 0.02544543419694768 | 0 | 0 | 0.027310346035089583 | 0.010728679916552245 | 0.016579903387739025 | - | 0 | 0.002058869549962094 | 0.016648262217705365 250 | Industrie pharmacie | 0 | 0 | 0.0059960748540733326 | 0.00032266013709947885 | 0.0007695769747203477 | 0 | - | 0 | 0 | 0.0005215166511678881 260 | Imprimerie, édition | 0.01479808409500432 | 0 | 0.0018064883614122415 | 0.011026334667617018 | 0.003676223170626814 | 0.01041274713653771 | - | 0 | 0.0011940705821364092 | 0.007557366448158668 270 | Sidérurgie, aciérie | 0.03742405026538084 | 0 | 0.009885465756190318 | 0.024873463808756196 | 0.01674176593896333 | 0.011936209823163221 | - | 0.12718338022727416 | 0.012101390369147725 | 0.022614808822668295 280 | Industrie de la fabrication | 0.006123372080982149 | 0 | 0.07755129118052442 | 0.03867946330019507 | 0.02384155788435302 | 0.013807524618269723 | - | 0 | 0.002331769863902822 | 0.023337625167476957 290 | Autres industries | 0 | 0 | 0.03627474656564567 | 0.007007654571273471 | 0.004623534793933471 | 0.008286615617372574 | - | 0.00954932624447657 | 0.00035693042991282467 | 0.00543786569394933 300 | Production et distribution de l'électricité | 0.1411939625087658 | 0 | 0.1556134507103503 | 0.04241694075516316 | 0.003976882351489859 | 0.0003054732820999917 | - | 0.047530551073125524 | 0 | 0.04121105358352957 400 | Production et distribution de gaz | 0 | 0.002368654362260815 | 0.002033965196266809 | 7.370661625691635e-05 | 0.06114625528762797 | 0.016553898157072353 | - | 0 | 0 | 0.020623886629736906 500 | Traitement et distribution de l'eau | 0 | 0.010895096933035558 | 0.0033205002729233294 | 0.012852101888225848 | 0.0022434760372935974 | 0 | - | 0 | 0 | 0.004796751839426124 600 | Entrep/ batiment et corps/ métiers corresp. | 0.002493877712930727 | 0.10490500301009831 | 0 | 0.11215744748098055 | 0.0342026815937452 | 0.03639073440318197 | - | 0.0038425994120685407 | 0.117275485491239 | 0.05484256076683749 700 | Commerce de gros(1) | 0.08993575255066723 | 0.09203306417771978 | 0.19745114499597127 | 0.17979972553942103 | 0.14355619088294075 | 0.08533997079309118 | 0.0020664688596785143 | 0.19315898883748256 | 0.003724193666500011 | 0.1300662897160952 800 | Commerce de détail(2) | 0.008817499554928197 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176200036757 | 0.156320452409328 | 0.11142911039702828 | 0.0020976404343076055 | 0.24319258057803217 | 0.001981951700859109 | 0.11509872048243865 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0053357403811758975 | 0.0016723534525735497 | 0.002425250137247106 | 0.0004305852267400835 | 0.0007819761882272152 | 0.003060051070701812 | - | 0 | 0.0014659172269113428 | 0.0015999694459830373 1000 | Hotels,motels et pensions | 0.013516989069939247 | 0 | 0.00705264150214599 | 0.045682746135810616 | 0.01189219468364064 | 0.10283489419767496 | 0.006880130114529512 | 0 | 0 | 0.027271818913507273 1100 | Transport | 0.0057832860109093154 | 0.04022908573621496 | 0.021408166042668614 | 0.010995136931068513 | 0.0194277887930421 | 0.004609416113388362 | - | 0 | 0 | 0.012017614905926857 1200 | Immobilier résidentiel | 0.08891262990953692 | 0.136946683983829 | 0.048177163991044075 | 0.007981671902825282 | 0.04190271963048927 | 0.1143558745568075 | 0.5518074048178646 | 0 | 0.2135932278575376 | 0.07656339307263571 1300 | Immobilier commercial | 0.045357916284489375 | 0.07764961689451938 | 0.04154213279759966 | 0.02994334484212666 | 0.17128549859109424 | 0.0005461980222335024 | 0.34975434770746766 | 0 | 0.007723394985272339 | 0.0882325889254036 1400 | Télécommunications | 0.04774737247054475 | 0 | 0.004101145824175308 | 0.005534711598654514 | 0.02884221530235605 | 0.0008039962728089489 | - | 0.0013958328554582362 | 0.11680791979891778 | 0.024233918564702903 1500 | Services financiers | 0.0005341729645809645 | 0 | 0.012077518429197378 | 0.06631198817620765 | 0.03925842196931187 | 0.15597472029983778 | - | 0.0014903553981277613 | 0.2896228338537581 | 0.058437752353661394 1510 | Services professionnels | 0.09309721626791907 | 0.0159281888630645 | 0.046341710307083554 | 0.0043911664542641065 | 0.007712941348866525 | 0.02341329946662126 | 0 | 9.256728504395114e-05 | 0.005963240643812933 | 0.021817478473609635 1520 | Services médicaux | 0.015800114108511412 | 0 | 0.0006698154476961065 | 0.00030222941037985905 | 0.0017224981802644644 | 0.003327598527207466 | - | 0 | 0.0002981883739197915 | 0.003346682009388353 1530 | Services d'agence ou de représentation | 3.1508740029718905e-05 | 0 | 0.004589629101968355 | 0.005113063818794296 | 0.001135291609496859 | 9.25522411851922e-05 | - | 0 | 0.000264734377905822 | 0.0020269129416417755 1540 | Services d'enseignement | 0.0021568296756431277 | 0 | 0.0032574249885853586 | 0.006582966474884984 | 0.00030209934138603577 | 0.003980078876385041 | - | 0 | 0.0016492556617595537 | 0.0028366222044262962 1550 | Autres services | 0.028022380406320394 | 0.05053133484672211 | 0.003333473141850122 | 0.028405398654497056 | 0.00985645734637138 | 0.1500611095364969 | - | 0.032757356812269565 | 0.006378913129718791 | 0.028745290439756682 1560 | Crédit à la consommation | 0.29728235815229626 | 0.171959296659684 | 0.2603145260507862 | 0.11515477337802296 | 0.05495891111491133 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934918 Total | 1.0000000000000002 | 1 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999963259071 | 1 | 0.9999671475264676 | 1 | 1 (1) Commerce de gros Import-export | 0 | 0.0247712306122525 | 0.016181334753131583 | 0.03737983567267203 | 0.05761781787645586 | 0.03152500437281371 | - | 0 | 0 | 0.03243158976618597 Produits pétroliers | 0.02019206790472 | 0 | 0.00032783002677463994 | 0.00020413833542564435 | 0.002161480239078613 | 0.0023348861385518206 | - | 0 | 0 | 0.004035583830101325 Produits pharmaceutiques | 0 | 0.0015254577294202785 | 0 | 0.005329936695532821 | 0.0036543954459765018 | 0.0056856590077245354 | - | 0 | 0 | 0.003163009612634338 Produits alimentaires | 0.04305040018269861 | 0.011507040572796518 | 0.08835294344141577 | 0.08256929557436513 | 0.0381623185109465 | 0.03373092984501908 | - | 0.04415048408862471 | 0.0010360202072672616 | 0.04924383973147954 Matériaux de construction | 0 | 0 | 0.023180845528048298 | 0.019067989187873093 | 0.025895200906286144 | 0.010442874699615799 | - | 0 | 0.0012227830669043042 | 0.015307222287673535 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.026693284463248614 | 0.0542293352632505 | 0.06940818688303928 | 0.035248530528894 | 0.016064977479871716 | 0.0016206424480176367 | - | 0.14900849783982031 | 0.0014653903923284456 | 0.02579518794411513 S-Total | 0.08993575255066723 | 0.09203306417771981 | 0.1974511406324096 | 0.17979972599476268 | 0.1435561904586153 | 0.08533999651174261 | - | 0.19315898192844502 | 0.003724193666500011 | 0.12997643317218982 (2) Commerce de détail Produits pétroliers | 0.001930105628927905 | 0.004099681140940955 | 0 | 0.00454655180925464 | 0.004256373209427025 | 0.006241549287445842 | - | 0 | 0 | 0.0035102169547672054 Produits pharmaceutiques | 0 | 0 | 0 | 0.00043132697836874165 | 0 | 0.0033114600734488685 | - | 0 | 8.113252576616236e-05 | 0.0003721811975969764 Véhicules automobiles | 0 | 0.02474726682410618 | 0.014909539787889357 | 0.03958140368343285 | 0.08085059563632593 | 0.022570688475769544 | - | 0.07348576696811258 | 0 | 0.04113886034117967 Produits alimentaires | 0.00010424792500190745 | 0 | 0.003671103728197442 | 0.03112145952835115 | 0.019178533243904488 | 0.027234031090021153 | - | 0 | 0.001312344945996821 | 0.0173772306762447 Librairie ,papeterie | 0.00015129403270468334 | 0 | 0 | 0.00207622746713539 | 0.0009497052430798425 | 0.0015989652989736466 | - | 0 | 0 | 0.0010496988506733399 Appareils électro- ménagers électroni.équip. inform. | 0.0011797983319116786 | 0 | 0.0026594163121840047 | 0.014477060231916554 | 0.007166522636116583 | 0.031150063176213848 | - | 0 | 0 | 0.009049125803042743 Matériaux de construction | 0 | 0 | 0 | 0.009141010118724823 | 0.011100170469136344 | 0 | - | 0.04491572217820397 | 0 | 0.007062742072220397 Autres | 0.005452140437318743 | 0.24988912482414105 | 0.02805495267132621 | 0.05014672263852512 | 0.03281855197133778 | 0.01926363731399064 | - | 0.12479109143171561 | 0.0005884742290961257 | 0.03544745619465142 S-Total | 0.008817586355864918 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176245570928 | 0.15632045240932801 | 0.11137039471586355 | - | 0.24319258057803217 | 0.001981951700859109 | 0.11500751209037645 [Secteur d'activité sept. 14glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1137698 | 532393.54 | 565469.62 | 7276326.5 | 7067138.08 | 1071116.48 | 13528.33 | 631566.36 | 21662 | 18316898.909999996 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1825959 | 97831.69 | 182757.72999999995 | 3452794.78 | 1712409.27 | 2410087.59 | 22352.12 | 49703.42 | 1160300 | 10914195.599999998 Industries Manufacturières ( 200 à 290 ) | 1313124 | 23183.66 | 313953 | 3827135.22 | 4838094.5 | 745227.07 | 21168.66 | 673429.19 | 291693 | 12047008.299999999 Prêts aux Particuliers ( 1560 ) | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1546879 | 308142.38 | 205610.24 | 832891.36 | 5024167.8 | 625471.76 | 2928987.7 | 0 | 840175 | 12312325.239999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 616706 | 57765.61 | 58459.840000000004 | 363020.75 | 1137570.37 | 29468.02 | 0 | 2020.3 | 443433 | 2708443.89 Bâtiments et Travaux Publics ( 600 ) | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004 Électricité, Gaz et Eau ( 300 à 500 ) | 1626641 | 19045.64 | 368891.12 | 1215411.4 | 1587616.68 | 91774.35 | 0 | 68842.3 | 0 | 4978222.489999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84 Total | 11520613 | 1435916.5500000003 | 2291705.8800000004 | 21961529.13 | 23566817.35 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.97999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.09875325210559542 | 0.37076913696690794 | 0.24674615749556827 | 0.33132148753978863 | 0.2998766432922687 | 0.19676908119011946 | 0.00416410929398612 | 0.43635156941551473 | 0.005706145367359121 | 0.24516501019853387 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15849495161411983 | 0.06813187716236016 | 0.07974746305577395 | 0.15722014435157866 | 0.07266188066756497 | 0.4427443042161104 | 0.006880130114529512 | 0.03434027949544127 | 0.30564308326778633 | 0.14608252678197445 Industries Manufacturières ( 200 à 290 ) | 0.11398039323081159 | 0.016145548291089756 | 0.1369953285628433 | 0.17426542556966299 | 0.20529265484378184 | 0.13690168023733967 | 0.006515853312805958 | 0.4652747558415221 | 0.07683697999451039 | 0.16124481153951636 Prêts aux Particuliers ( 1560 ) | 0.29728235815229626 | 0.17195929665968399 | 0.2603145260507862 | 0.11515477337802299 | 0.05495891111491132 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934921 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1342705461940263 | 0.21459630087834836 | 0.08971929678864374 | 0.03792501674495195 | 0.21318821822158346 | 0.114902072579041 | 0.9015617525253324 | 0 | 0.22131662284280995 | 0.16479598199803933 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.053530658481454066 | 0.040229085736214955 | 0.025509311866843923 | 0.016529848529723033 | 0.048270004095398146 | 0.005413412386197311 | 0 | 0.0013958328554582362 | 0.11680791979891778 | 0.03625153347062977 Bâtiments et Travaux Publics ( 600 ) | 0.002493877712930727 | 0.1049050030100983 | 0 | 0.11215744748098057 | 0.0342026815937452 | 0.03639073440318197 | 0 | 0.0038425994120685407 | 0.117275485491239 | 0.0548425607668375 Électricité, Gaz et Eau ( 300 à 500 ) | 0.1411939625087658 | 0.013263751295296371 | 0.16096791617954043 | 0.055342749259645926 | 0.06736661367641142 | 0.016859375113265403 | 0 | 0.047563403546657695 | 0 | 0.0666316920526926 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 8.31071456452814e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.001343694772426922 Total | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 [Secteur d'activité juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31 200 | Industrie alimentaire | 175355 | 21647.54 | 3853.78 | 365879.14 | 1044804.42 | 234585.21 | 0 | 329481.61 | 164052 | 2339658.6999999997 210 | Industrie des boissons | 3923 | 0 | 9464.22 | 656348.93 | 1150654.99 | 110005.88 | 0 | 209649.24 | 72604 | 2212650.26 220 | Industrie du bois | 13969 | 0 | 0 | 2433.4 | 0 | 0 | 0 | 0 | 0 | 16402.4 230 | Industrie chimique | 0 | 0 | 0 | 470541.41 | 69914.34 | 73403.38 | 0 | 0 | 0 | 613859.13 240 | Industrie du textile | 288970 | 0 | 0 | 614771.88 | 252586.35 | 101474.68 | 0 | 0 | 7785 | 1265587.91 250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 18463.09 | 1.47 | 0 | 0 | 0 | 18464.56 260 | Imprimerie, édition | 99256 | 0 | 0 | 188700.8 | 138599.55 | 61303.91 | 0 | 0 | 4479 | 492339.26 270 | Sidérurgie, aciérie | 431555 | 0 | 0 | 576663.91 | 409547.13 | 64975 | 0 | 123176.08 | 47509 | 1653426.12 280 | Industrie de la fabrication | 72094 | 0 | 45339.9 | 807237.81 | 536003.33 | 65654.15 | 0 | 0 | 8865 | 1535194.19 290 | Autres industries | 0 | 0 | 20402.96 | 77748.88 | 118684.96 | 44182.28 | 0 | 0 | 1508 | 262527.07999999996 300 | Production et distribution de l'électricité | 1885691 | 0 | 194690.72 | 892425.13 | 93656.42 | 1896.15 | 0 | 68383.83 | 0 | 3136743.25 400 | Production et distribution de gaz | 0 | 1735.16 | 5091 | 1677.26 | 1648869.45 | 91427.62 | 0 | 400.39 | 0 | 1749200.8799999997 500 | Traitement et distribution de l'eau | 0 | 4528.48 | 0 | 261435.89 | 56519.29 | 0.39 | 0 | 0 | 0 | 322484.05 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004 700 | Commerce de gros(1) | 856008 | 115928.27 | 160366.16 | 4085966.62 | 3062102.96 | 558911.26 | 0 | 273399.35 | 30747 | 9143429.62 800 | Commerce de détail(2) | 346006 | 389129.43 | 105432.92 | 2799559.63 | 3183161.83 | 561865.48 | 0 | 199876.2 | 10007 | 7595038.490000001 900 | Rest/débits/boissons, casinos/activités/loterie | 13944 | 2795.46 | 4557.78 | 11375.69 | 20640.48 | 16846.08 | 0 | 0 | 5603 | 75762.49 1000 | Hotels,motels et pensions | 161040 | 0 | 16741.67 | 1043091.98 | 90149.18 | 560589.1 | 107027.54 | 0 | 0 | 1978639.4699999997 1100 | Transport | 34589 | 48263.26 | 61463.32 | 34599.91 | 431988.23 | 32562.6 | 0 | 4848.65 | 0 | 648314.97 1200 | Immobilier résidentiel / Avance Hypothécaire | 935996 | 243779.62 | 66844.25 | 171124.94 | 932112.31 | 597698.51 | 1739389.78 | 0 | 812569 | 5499514.41 1300 | Immobilier commercial | 495532 | 98375.37 | 106423.38 | 587354.91 | 4129584.01 | 2590.63 | 991044.82 | 0 | 31474 | 6442379.12 1400 | Télécommunications | 515888 | 0 | 9592.7 | 128255.12 | 788316.54 | 2112.53 | 0 | 36899.81 | 368394 | 1849458.7 1500 | Services financiers | 5150 | 51351.65 | 1505.29 | 1494069.36 | 743953.93 | 794518.19 | 0 | 9546.87 | 638892 | 3738987.29 1510 | Services professionnels | 402171 | 22055.97 | 80427.82 | 281948.25 | 152575.58 | 133284.78 | 6746.97 | 358.46 | 23249 | 1102817.8299999998 1520 | Services médicaux | 210936 | 282.35 | 0 | 6219.77 | 40524.73 | 14078.01 | 0 | 0 | 1242 | 273282.86 1530 | Services d'agence ou de représentation | 1190 | 0 | 4272.72 | 141033.92 | 32429.11 | 0 | 0 | 0 | 979 | 179904.75 1540 | Services d'enseignement | 23271 | 0 | 3227.06 | 148836.65 | 8401.25 | 10650.57 | 0 | 0 | 7045 | 201431.53 1550 | Autres services | 400561 | 36792.89 | 5423.63 | 1342962.69 | 148840.96 | 795704.88 | 0 | 50191.5 | 34152 | 2814629.55 1560 | Crédit à la consommation | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58 Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.71 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.88999999 (1) Commerce de gros Import-export | 1413 | 43839.71 | 0 | 877952.76 | 1528065.23 | 176478 | 0 | 0 | 0 | 2627748.7 Produits pétroliers | 247985 | 0 | 0 | 3365.62 | 2466.71 | 5497 | 0 | 0 | 0 | 259314.33 Produits pharmaceutiques | 0 | 0 | 0 | 125966.09 | 86654.88 | 31040 | 0 | 0 | 0 | 243660.97 Produits alimentaires | 451644 | 5690.49 | 16301.62 | 1865807.93 | 656849.62 | 192600 | 0 | 71855.39 | 3995 | 3264744.0500000003 Matériaux de construction | 0 | 0 | 0 | 422208.66 | 592890.48 | 139708 | 0 | 0 | 15083 | 1169890.14 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 154965 | 66398.07 | 144064.54 | 790665.56 | 195176.03 | 13588 | 0 | 201543.95 | 11670 | 1578071.15 S-Total | 856007 | 115928.27 | 160366.16 | 4085966.62 | 3062102.9499999997 | 558911 | - | 273399.34 | 30748 | 9143429.34 (2) Commerce de détail Produits pétroliers | 30838 | 6285.23 | 0 | 113115.28 | 92514.6 | 44944 | 0 | 0 | 0 | 287697.11 Produits pharmaceutiques | 0 | 0 | 0 | 11339.75 | 0 | 12397 | 0 | 0 | 1925 | 25661.75 Véhicules automobiles | 19102 | 0 | 34004.93 | 887873.39 | 1397071.53 | 83238 | 0 | 30117.03 | 0 | 2451406.88 Produits alimentaires | 13496 | 176.88 | 21.89 | 684620.13 | 436580.32 | 137248 | 0 | 0 | 5110 | 1277253.22 Librairie ,papeterie | 1772 | 1813.6 | 0 | 43769.34 | 17543.59 | 8465 | 0 | 0 | 0 | 73363.53 Appareils électro- ménagers électroni.équip. inform. | 13518 | 0 | 6196.59 | 376273.31 | 103577.42 | 174131 | 0 | 0 | 0 | 673696.3200000001 Matériaux de construction | 0 | 0 | 0 | 175375.35 | 314069.95 | 113 | 0 | 61041.59 | 0 | 550599.89 Autres | 267280 | 380853.72 | 65209.52 | 507193.09 | 821804.42 | 101330 | 0 | 108717.58 | 2972 | 2255360.33 S-Total | 346006 | 389129.43 | 105432.93 | 2799559.64 | 3183161.83 | 561866 | - | 199876.2 | 10007 | 7595039.029999999 [Secteur d'activité juin 14 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380178 200 | Industrie alimentaire | 0.017585999957477894 | 0.0138935032006792 | 0.0031682833150895894 | 0.016863372359004137 | 0.04915045165604585 | 0.04291874297727294 | - | 0.24616931324282373 | 0.04872773306379201 | 0.0339268213190522 210 | Industrie des boissons | 0.0003934297729359629 | 0 | 0.007780758194898823 | 0.0302511272001567 | 0.05412995138246344 | 0.020126222321128984 | - | 0.1566376024224233 | 0.02156528619805644 | 0.03208510284537415 220 | Industrie du bois | 0.0014009228901714162 | 0 | 0 | 0.00011215542459840883 | 0 | 0 | - | 0 | 0 | 0.00023784720993862133 230 | Industrie chimique | 0 | 0 | 0 | 0.021687257183234967 | 0.0032889613811495477 | 0.013429579809754831 | - | 0 | 0 | 0.008901421826430852 240 | Industrie du textile | 0.02898021959859934 | 0 | 0 | 0.028334840647884454 | 0.011882351325286387 | 0.01856538913779355 | - | 0 | 0.0023123485352304195 | 0.018351982229768263 250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 0.0008685541476425065 | 0 | - | 0 | 0 | 0.0002677500901541402 260 | Imprimerie, édition | 0.009954184436026494 | 0 | 0 | 0.008697221314234988 | 0.0065201011322527785 | 0.011215910656907453 | - | 0 | 0.0013303801013869042 | 0.007139291770365645 270 | Sidérurgie, aciérie | 0.04327978222263051 | 0 | 0 | 0.026578444019326297 | 0.019266214832760108 | 0.0118875581497585 | - | 0.09202993460406825 | 0.014111415100868593 | 0.023975929710386288 280 | Industrie de la fabrication | 0.007230162133582797 | 0 | 0.037274999786658936 | 0.03720559683259623 | 0.025215059636371547 | 0.012011812634058745 | - | 0 | 0.0026331367713317492 | 0.022261477271952986 290 | Autres industries | 0 | 0 | 0.016773754014614294 | 0.003583446473432537 | 0.0055832644628166245 | 0.008083407813603878 | - | 0 | 0.00044791542596370876 | 0.003806841286112594 300 | Production et distribution de l'électricité | 0.18911215446275526 | 0 | 0.16005982691767018 | 0.04113188106248056 | 0.004405853627120303 | 0.00034691178738998973 | - | 0.05109238257034743 | 0 | 0.045485150362526414 400 | Production et distribution de gaz | 0 | 0.0011136346676661885 | 0.004185431020224584 | 7.730492621925173e-05 | 0.07756731943128255 | 0.016727220457776425 | - | 0.0002991478988138191 | 0 | 0.025364736192885252 500 | Traitement et distribution de l'eau | 0 | 0.002906401899440386 | 0 | 0.012049582168247268 | 0.002658821668058253 | 7.135279228019723e-08 | - | 0 | 0 | 0.004676262714127618 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631132 | - | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002739 700 | Commerce de gros(1) | 0.08584731916170475 | 0.07440336362904064 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968108893995 | 0.10225610009703413 | - | 0.2042679414809658 | 0.009132662866118139 | 0.13258664734350753 800 | Commerce de détail(2) | 0.03470024522418577 | 0.24974528196661017 | 0.08667888704004262 | 0.12903172474365673 | 0.1497446207576203 | 0.10279659200988028 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013380445684409 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0013984156904968308 | 0.001794140694848961 | 0.0037470582980473786 | 0.0005243056390440837 | 0.0009709845163151024 | 0.003082089351219449 | - | 0 | 0.001664237487847918 | 0.0010986134263585023 1000 | Hotels,motels et pensions | 0.016150377423810213 | 0 | 0.013763721262691674 | 0.04807611733052312 | 0.004240863484691397 | 0.10256307078677619 | 0.034622401810537995 | 0 | 0 | 0.028691769339482778 1100 | Transport | 0.0034688611817695696 | 0.03097561003630031 | 0.05053044316126303 | 0.0015947101163461541 | 0.020321905428573716 | 0.005957519061290129 | - | 0.0036226265880357246 | 0 | 0.00940105757547316 1200 | Immobilier résidentiel | 0.09386915466453467 | 0.1564590217054852 | 0.05495423246388669 | 0.007887149792503177 | 0.04384910721440116 | 0.10935245546208562 | 0.5626762221041732 | 0 | 0.24135423724131622 | 0.07974711983830068 1300 | Immobilier commercial | 0.049695906765868866 | 0.06313782157062652 | 0.08749316753666248 | 0.027071192291037313 | 0.19426690331486626 | 0.00047397098529448043 | 0.32059367122043825 | 0 | 0.009348600873197459 | 0.09341937149800214 1400 | Télécommunications | 0.0517373690289034 | 0 | 0.007886384629288621 | 0.00591127946105033 | 0.037084561710536534 | 0.0003864997801940643 | - | 0.027569371433175525 | 0.10942264949103085 | 0.02681855043723538 1500 | Services financiers | 0.0005164831329646212 | 0.03295775472109801 | 0.001237534366614391 | 0.06886166822153075 | 0.03499762345070316 | 0.14536177275361095 | - | 0.007132860712676853 | 0.18976762753634338 | 0.05421814459606318 1510 | Services professionnels | 0.04033292001310965 | 0.014155635688354632 | 0.06612160532646616 | 0.012994996997422667 | 0.007177571730298723 | 0.02438523390115843 | 0.0021825812902328276 | 0.0002678202647638592 | 0.006905560834370202 | 0.01599169291908896 1520 | Services médicaux | 0.021154346822335017 | 0.00018121369119594063 | 0 | 0.0002866692468375299 | 0.001906393909339808 | 0.002575654674996255 | - | 0 | 0.00036890647151652933 | 0.0039628082338588775 1530 | Services d'agence ou de représentation | 0.00011934270451027169 | 0 | 0.0035127037573627943 | 0.006500254450718346 | 0.0015255538479666776 | 0 | - | 0 | 0.00029078859550296475 | 0.002608754989648172 1540 | Services d'enseignement | 0.002333801745091204 | 0 | 0.0026530420404883024 | 0.006859882336054395 | 0.0003952177307742966 | 0.0019485843817325648 | - | 0 | 0.002092549188272101 | 0.0029209095866560802 1550 | Autres services | 0.04017145635406634 | 0.023613867209726264 | 0.004458893978436586 | 0.06189716064632665 | 0.007001885012047951 | 0.1455788846640494 | - | 0.03750014177005869 | 0.010144036888270943 | 0.04081425800360296 1560 | Crédit à la consommation | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793729 Total | 1 | 1 | 0.9999999999999999 | 0.9999999999999998 | 1.0000000000000002 | 0.9999997310548598 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0001417069256075747 | 0.028136552753885564 | 0 | 0.040464849418568635 | 0.07188435919365614 | 0.032287687374422176 | - | 0 | 0 | 0.03810434428588738 Produits pétroliers | 0.024869916452083803 | 0 | 0 | 0.00015512145152334045 | 0.00011604077115646663 | 0.001005708459395498 | - | 0 | 0 | 0.0037602539803689044 Produits pharmaceutiques | 0 | 0 | 0 | 0.0058057780508553375 | 0.004076482075181549 | 0.005678950441993133 | - | 0 | 0 | 0.0035332684171485943 Produits alimentaires | 0.045294467593140465 | 0.003652185930984905 | 0.01340194579216529 | 0.08599510175401834 | 0.030899998961625836 | 0.035237302033758945 | - | 0.05368612836721074 | 0.0011866194474303823 | 0.04734125880701695 Matériaux de construction | 0 | 0 | 0 | 0.019459600366329096 | 0.02789118644288451 | 0.025560399753543066 | - | 0 | 0.004480045338070703 | 0.016964292160519378 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.015541127902885928 | 0.042614624944170176 | 0.1184388518229003 | 0.03644178170343498 | 0.009181613174008159 | 0.002486004465393128 | - | 0.15058180564234225 | 0.003466295106761592 | 0.022883225632354502 S-Total | 0.08584721887371777 | 0.07440336362904065 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968061851264 | 0.10225605252850595 | - | 0.20426793400955298 | 0.009132959892262676 | 0.1325866432832957 (2) Commerce de détail Produits pétroliers | 0.0030926809425947553 | 0.004033893140837477 | 0 | 0.005213484119736953 | 0.004352139297782085 | 0.008222768964720985 | - | 0 | 0 | 0.004171825764577417 Produits pharmaceutiques | 0 | 0 | 0 | 0.0005226491641693952 | 0 | 0.0022681040151220646 | - | 0 | 0.0005717753282361667 | 0.00037211479049665993 Véhicules automobiles | 0.0019157011273573193 | 0 | 0.027956253950611975 | 0.04092209133109173 | 0.06572205800517479 | 0.015228881343125788 | - | 0.022501676472970737 | 0 | 0.03554725447692658 Produits alimentaires | 0.0013534866723282578 | 0.00011352249937573215 | 0 | 0.0315541470242327 | 0.020537929876044192 | 0.025110328294544897 | - | 0 | 0.0015178035985905516 | 0.018521138050658442 Librairie ,papeterie | 0.00017771031293462307 | 0.0011639778656028258 | 0 | 0.0020173292151278535 | 0.0008252983579151486 | 0.001548721504235563 | - | 0 | 0 | 0.0010638266913225102 Appareils électro- ménagers électroni.équip. inform. | 0.0013556930080418932 | 0 | 0.005094362601770468 | 0.01734243973374649 | 0.004872564545973069 | 0.0318582899295975 | - | 0 | 0 | 0.009769106353821186 Matériaux de construction | 0 | 0 | 0 | 0.008083051221888944 | 0.01477470768557022 | 0 | - | 0.045606691947238015 | 0 | 0.007984114984941948 Autres | 0.026804973160928922 | 0.2444338884607941 | 0.05361028242426938 | 0.023376533394562745 | 0.03865992298916078 | 0.018538919081416375 | - | 0.08122739234527157 | 0.0008827617015677337 | 0.03270443117450789 S-Total | 0.03470024522418577 | 0.24974528196661014 | 0.08666089897665183 | 0.1290317252045568 | 0.1497446207576203 | 0.10277601313276317 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013381228725264 [Secteur d'activité juin 14g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1202014 | 505057.7 | 265799.08 | 6885526.25 | 6245264.79 | 1120776.74 | 0 | 473275.55 | 40754 | 16738468.110000001 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1218263 | 113278.32 | 116155.97 | 4469538.31 | 1237515.22 | 2325671.61 | 113774.51 | 60096.83 | 711162 | 10365455.77 Industries Manufacturières ( 200 à 290 ) | 1085122 | 21647.54 | 79060.86 | 3760326.16 | 3739258.1599999997 | 755585.96 | 0 | 662306.9299999999 | 306802 | 10410109.61 Prêts aux Particuliers ( 1560 ) | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1431528 | 342154.99 | 173267.63 | 758479.8500000001 | 5061696.32 | 600289.14 | 2730434.6 | 0 | 844043 | 11941893.530000001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 550477 | 48263.26 | 71056.02 | 162855.03 | 1220304.77 | 34675.13 | 0 | 41748.46 | 368394 | 2497773.67 Bâtiments et Travaux Publics ( 600 ) | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004 Électricité, Gaz et Eau ( 300 à 500 ) | 1885691 | 6263.639999999999 | 199781.72 | 1155538.28 | 1799045.16 | 93324.15999999999 | 0 | 68784.22 | 0 | 5208428.18 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31 Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.709999999 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.89000002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12054756438589052 | 0.3241486455956508 | 0.2185196846551082 | 0.31735395748838646 | 0.29379430184656025 | 0.20505269210691446 | 0 | 0.35360370224644616 | 0.01210500349451259 | 0.24272045180035154 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12217714388638413 | 0.07270261200522381 | 0.09549455903010728 | 0.20600105486845752 | 0.058216093682137114 | 0.4254952905135433 | 0.03680498310077082 | 0.04490082274749941 | 0.21123370700212404 | 0.15030695109475944 Industries Manufacturières ( 200 à 290 ) | 0.10882470101142441 | 0.0138935032006792 | 0.06499779531126164 | 0.17331346145446871 | 0.17590490995678876 | 0.13823889244541904 | 0 | 0.4948368502693153 | 0.09112821519662982 | 0.15095446555953568 Prêts aux Particuliers ( 1560 ) | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989016 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793723 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.14356506143040354 | 0.2195968432761117 | 0.14244740000054917 | 0.0349583420835405 | 0.23811601052926745 | 0.10982642644738011 | 0.8832698933246116 | 0 | 0.25070283811451366 | 0.17316649133630277 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05520623021067297 | 0.03097561003630031 | 0.058416827790551656 | 0.007505989577396485 | 0.05740646713911025 | 0.006344018841484194 | 0 | 0.031191998021211254 | 0.10942264949103085 | 0.03621960801270852 Bâtiments et Travaux Publics ( 600 ) | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631133 | 0 | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002736 Électricité, Gaz et Eau ( 300 à 500 ) | 0.18911215446275526 | 0.004020036567106575 | 0.16424525793789477 | 0.05325876815694708 | 0.0846319947264611 | 0.017074203597958696 | 0 | 0.05139153046916125 | 0 | 0.07552614926953925 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380174 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 [Secteur d'activité mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17 200 | Industrie alimentaire | 174753 | 21753.16 | 18489.38 | 359734.74 | 1073693.77 | 253118.9 | 0 | 366720.2 | 168820 | 2437083.15 210 | Industrie des boissons | 3927 | 0 | 9464.22 | 688840.96 | 1144715.91 | 110012.93 | 0 | 347370.5 | 75167 | 2379498.5199999996 220 | Industrie du bois | 4948 | 0 | 8820.91 | 2850.04 | 0 | 1.19 | 0 | 0 | 0 | 16620.14 230 | Industrie chimique | 0 | 0 | 487.47 | 523138.59 | 96015.57 | 68607 | 0 | 0 | 0 | 688248.63 240 | Industrie du textile | 213999 | 0 | 0 | 623348.23 | 241025.69 | 35654.43 | 0 | 0 | 7950 | 1121977.3499999999 250 | Industrie pharmacie | 0 | 0 | 9511.73 | 0 | 65367.38 | 179.95 | 0 | 0 | 0 | 75059.06 260 | Imprimerie, édition | 57170 | 0 | 3999.91 | 140128.16 | 116931.44 | 47241.67 | 0 | 0 | 4536 | 370007.18 270 | Sidérurgie, aciérie | 458122 | 0 | 17019.96 | 611370.78 | 460121.69 | 64975 | 0 | 193045.29 | 49614 | 1854268.72 280 | Industrie de la fabrication | 73993 | 0 | 0 | 790967.15 | 542941.86 | 86402.12 | 0 | 0 | 12783 | 1507087.13 290 | Autres industries | 0 | 0 | 0 | 81731.11 | 118528.21 | 38579.96 | 0 | 0 | 2387 | 241226.28 300 | Production et distribution de l'électricité | 2207081 | 0 | 368512.18 | 897062.67 | 3585.99 | 2063.53 | 0 | 362.08 | 0 | 3478667.45 400 | Production et distribution de gaz | 0 | 1965.3 | 6127.89 | 811.36 | 2489695.82 | 91949.16 | 0 | 1125.18 | 0 | 2591674.71 500 | Traitement et distribution de l'eau | 0 | 4186.25 | 0 | 262285.64 | 61242.18 | 0 | 0 | 0 | 0 | 327714.07 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97 700 | Commerce de gros(1) | 935690 | 129686.48 | 259655.25 | 3943135.1 | 3135128.29 | 559132.5 | 0 | 307979.2 | 20847 | 9291253.82 800 | Commerce de détail(2) | 311249 | 405901.83 | 123269.38 | 2767818.27 | 3133645.17 | 574643.07 | 0 | 182194.7 | 9824 | 7508545.420000001 900 | Rest/débits/boissons, casinos/activités/loterie | 7649 | 2792.01 | 5108.06 | 11691.88 | 22896.44 | 15316.66 | 0 | 0 | 5641 | 71095.05 1000 | Hotels,motels et pensions | 153202 | 0 | 18882.74 | 1056366.4 | 56635.13 | 559558.31 | 0 | 0 | 0 | 1844644.5799999998 1100 | Transport | 33933 | 48470.9 | 69188.78 | 34089.87 | 409860.72 | 28820.84 | 0 | 4963.32 | 0 | 629327.4299999999 1200 | Immobilier résidentiel / Avance Hypothécaire | 869208 | 189850.58 | 66854.53 | 178457.55 | 929993.53 | 585314.44 | 1645143.52 | 0 | 812137 | 5276959.15 1300 | Immobilier commercial | 468197 | 97936.57 | 114213.47 | 900045.86 | 3853906.06 | 3133.02 | 1064749.53 | 963.26 | 42815 | 6545959.77 1400 | Télécommunications | 542564 | 0 | 8197.99 | 136136.02 | 844196.86 | 4074.94 | 0 | 62506.01 | 363245 | 1960920.82 1500 | Services financiers | 8493 | 25282.49 | 8840.21 | 1402910.68 | 765117.27 | 669708.78 | 0 | 11898.79 | 473163 | 3365414.2199999997 1510 | Services professionnels | 338333 | 23890.68 | 68083.18 | 179492.06 | 136553.76 | 137764.47 | 0 | 762.99 | 27342 | 912222.1399999999 1520 | Services médicaux | 253747 | 300.91 | 0 | 6471.14 | 40884.01 | 15755.38 | 0 | 0 | 1332 | 318490.44 1530 | Services d'agence ou de représentation | 1778 | 0 | 4310.86 | 136074.52 | 31972.92 | 55.66 | 0 | 1239.06 | 1025 | 176456.02 1540 | Services d'enseignement | 25160 | 0 | 5353.79 | 148456.7 | 7732.17 | 11118.63 | 0 | 0 | 5808 | 203629.29000000004 1550 | Autres services | 209898 | 36813.36 | 1571.65 | 1226710.59 | 139130.52 | 448818.59 | 0 | 46900.72 | 22501 | 2132344.43 1560 | Crédit à la consommation | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8 Total | 9954558 | 1564916.07 | 1585365.62 | 21793833.06 | 21851694.200000007 | 4963954.539999999 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.90999998 (1) Commerce de gros Import-export | 2255 | 45618.32 | 120923.07 | 793915.62 | 1357676.34 | 179046 | 0 | 0 | 4404 | 2503838.35 Produits pétroliers | 396024 | 0 | 0 | 135295.42 | 38403.14 | 5273 | 0 | 0 | 0 | 574995.56 Produits pharmaceutiques | 0 | 0 | 0 | 120997.87 | 90309.45 | 31203 | 0 | 0 | 0 | 242510.32 Produits alimentaires | 472462 | 16421.86 | 51106.64 | 1775401.72 | 649563.27 | 229806 | 0 | 112290.95 | 3411 | 3310463.44 Matériaux de construction | 0 | 0 | 0 | 0 | 625849.12 | 99431 | 0 | 0 | 0 | 725280.12 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 64950 | 67646.3 | 87625.54 | 1117524.47 | 373326.96 | 14373 | 0 | 195688.25 | 13032 | 1934166.52 S-Total | 935691 | 129686.48000000001 | 259655.25 | 3943135.0999999996 | 3135128.2800000003 | 559132 | - | 307979.2 | 20847 | 9291254.31 (2) Commerce de détail Produits pétroliers | 27397 | 6556.48 | 822.42 | 147107.45 | 87080.24 | 33911 | 0 | 30329.42 | 0 | 333204.01 Produits pharmaceutiques | 0 | 0 | 0 | 11635.18 | 13796.9 | 19704 | 0 | 0 | 1697 | 46833.08 Véhicules automobiles | 17731 | 0 | 0 | 848425.1 | 1219219.99 | 83261 | 0 | 5871.77 | 0 | 2174508.86 Produits alimentaires | 13105 | 176.88 | 36829.92 | 667629.58 | 571416.2 | 161709 | 0 | 0 | 5350 | 1456216.58 Librairie ,papeterie | 1800 | 1788.25 | 0 | 59160.42 | 18301.19 | 8235 | 0 | 0 | 0 | 89284.86 Appareils électro- ménagers électroni.équip. inform. | 13328 | 0 | 6136.44 | 366204.2 | 155242.65 | 174159 | 0 | 3135.23 | 0 | 718205.52 Matériaux de construction | 0 | 0 | 0 | 0 | 305851.45 | 761 | 0 | 37723.06 | 0 | 344335.51 Autres | 237887 | 397380.22 | 79480.6 | 667656.35 | 762736.55 | 92902 | 0 | 105135.22 | 2777 | 2345954.94 S-Total | 311248 | 405901.82999999996 | 123269.38 | 2767818.2800000003 | 3133645.17 | 574642 | - | 182194.7 | 9824 | 7508543.359999999 [Secteur d'activité mars 14 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294738 | 0 | 0 | 0 | 0 | 0.001561314586242175 200 | Industrie alimentaire | 0.017555073766208403 | 0.013900528224494493 | 0.011662533718878047 | 0.016506262987773846 | 0.04913549311888136 | 0.05099138156087949 | - | 0.23643959354978028 | 0.053085679821844436 | 0.035111955457258065 210 | Industrie des boissons | 0.0003944926535161079 | 0 | 0.00596973964907855 | 0.031607150431205516 | 0.05238568229643263 | 0.022162356466705276 | - | 0.2239640462433865 | 0.023636365923282672 | 0.03428231246227749 220 | Industrie du bois | 0.0004970587343004079 | 0 | 0.005563959435426636 | 0.00013077277375455864 | 0 | 0 | - | 0 | 0 | 0.00023945248457090724 230 | Industrie chimique | 0 | 0 | 0.00030748112224106386 | 0.024003973443302132 | 0.0043939645649992655 | 0.013821037128192559 | - | 0 | 0 | 0.009915851759132177 240 | Industrie du textile | 0.02149758934550384 | 0 | 0 | 0.028602046656220466 | 0.011030068780662322 | 0.007182666503629988 | - | 0 | 0.0024998883697646204 | 0.01616474133730416 250 | Industrie pharmacie | 0 | 0 | 0.005999707499649197 | 0 | 0.0029914101580279288 | 0 | - | 0 | 0 | 0.0010814035505451098 260 | Imprimerie, édition | 0.00574309778495439 | 0 | 0.0025230205257005633 | 0.006429716131816604 | 0.005351138402806313 | 0.009516942514143171 | - | 0 | 0.0014263514019185308 | 0.005330829858236748 270 | Sidérurgie, aciérie | 0.046021330128369335 | 0 | 0.010735668659195471 | 0.02805246687523264 | 0.021056568236251443 | 0.013089362417891928 | - | 0.12446423705129814 | 0.015601190135534829 | 0.026715133089499604 280 | Industrie de la fabrication | 0.0074330773902768965 | 0 | 0 | 0.03629316365883919 | 0.02484667115650922 | 0.017405904768821676 | - | 0 | 0.0040196318277611505 | 0.021713159921838074 290 | Autres industries | 0 | 0 | 0 | 0.003750194368057622 | 0.005424211455421153 | 0.0077720212159718945 | - | 0 | 0.0007505954136639182 | 0.00347543595239254 300 | Production et distribution de l'électricité | 0.22171562012095364 | 0 | 0.23244617856668293 | 0.04116130776675776 | 0.00016410581107253455 | 0.0004157028400183537 | - | 0.00023344786579115203 | 0 | 0.05011844448352675 400 | Production et distribution de gaz | 0 | 0.001255850098082257 | 0.0038652850312220093 | 0 | 0.11393605444103273 | 0.018523368668883905 | - | 0.0007254498167004211 | 0 | 0.037339213057717056 500 | Traitement et distribution de l'eau | 0 | 0.0026750635898320093 | 0 | 0.012034855882299762 | 0.0028026284570648982 | 0 | - | 0 | 0 | 0.004721497429645251 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.12912896983670186 | 0.08176943435924894 | 0.11227373694492272 | 0.029265496951719185 | 0.056984556913367714 | - | 0 | 0.143346743635976 | 0.059888809048870534 700 | Commerce de gros(1) | 0.09399613724687726 | 0.08287120471579028 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300769017712 | 0.1126385214639778 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386251932763102 800 | Commerce de détail(2) | 0.03126698342608481 | 0.2593761018761856 | 0.07775454345982348 | 0.12700006751359416 | 0.14340513560728846 | 0.11576316127987749 | - | 0.1174684154702254 | 0.003089170232021086 | 0.1081783821515647 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0007683917256798343 | 0.0017841276305635995 | 0.003222007551797421 | 0.0005364765329628527 | 0.001047810745951222 | 0.003085576202718408 | - | 0 | 0.0017738201627474496 | 0.001024292597005373 1000 | Hotels,motels et pensions | 0.0153901358553539 | 0 | 0.011910653140062417 | 0.048470886103043315 | 0.0025917958343019453 | 0.11272430186276447 | - | 0 | 0 | 0.026576474556246676 1100 | Transport | 0.003408790224538347 | 0.030973482175309246 | 0.043642159970644495 | 0.001564197996109639 | 0.01875647335390589 | 0.005806024162340537 | - | 0.0032000565102699424 | 0 | 0.009066952307388729 1200 | Immobilier résidentiel | 0.08731758858605274 | 0.12131678090570057 | 0.042169786676716246 | 0.0081884425520143 | 0.042559332996706487 | 0.11791293318330834 | 0.5551440660288318 | 0 | 0.2553775900572993 | 0.07602709600801696 1300 | Immobilier commercial | 0.047033429309468085 | 0.06258263422395553 | 0.07204235323331913 | 0.04129819006698402 | 0.17636646498558445 | 0.000631154047595287 | 0.35929350612917205 | 0.0006210533340753014 | 0.013463235289493362 | 0.09431005580143756 1400 | Télécommunications | 0.05450407742865128 | 0 | 0.005171040608285677 | 0.006246538625179319 | 0.03863301638186021 | 0.0008209059867820629 | - | 0.040300195077387344 | 0.11422288690253454 | 0.028251709215194386 1500 | Services financiers | 0.0008531770069550049 | 0.016155812113297554 | 0.00557613328337472 | 0.06437191090423082 | 0.03501409378134167 | 0.13491436607717205 | - | 0.0076716392261298675 | 0.14878675228967764 | 0.0484867634441865 1510 | Services professionnels | 0.03398774712046482 | 0.015266428952959758 | 0.04294478140632316 | 0.008235910567262096 | 0.006249115457601451 | 0.027752967697403617 | - | 0.0004919310293857466 | 0.0085977292837867 | 0.013142720693302823 1520 | Services médicaux | 0.025490534084989008 | 0.00019228507251510302 | 0 | 0.0002969252807518753 | 0.0018709766677953963 | 0.0031739573505441495 | - | 0 | 0.0004188492211982987 | 0.004588609191624226 1530 | Services d'agence ou de représentation | 0.00017861164704650875 | 0 | 0.002719158246915938 | 0.00624371672598285 | 0.0014631780816335965 | 0 | - | 0.0007988729357798962 | 0.00032231265144763976 | 0.00254226693677031 1540 | Services d'enseignement | 0.0025274853991508212 | 0 | 0.0033770064977188033 | 0.00681186735675583 | 0.0003538476206572577 | 0.002239873453796779 | - | 0 | 0.00182633354108087 | 0.0029337622560285177 1550 | Autres services | 0.021085617261961807 | 0.023524175325262013 | 0.0009913486076479948 | 0.05628705086538825 | 0.006367035833770726 | 0.09041553188760672 | - | 0.030238822879110696 | 0.007075470214852041 | 0.030721472365722254 1560 | Crédit à la consommation | 0.26133395375264273 | 0.2389965552593501 | 0.16385345230332418 | 0.10251982218312909 | 0.05422179118724806 | 0.05420772044378956 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882361 Total | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999999 | 0.9999627711198041 | 0.9999999999999993 | 0.9999522960981834 | 1 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0002265293948761964 | 0.029150649593623252 | 0.076274563087851 | 0.03642845284784429 | 0.0621313994042622 | 0.036069226371279385 | - | 0 | 0.00138484382143942 | 0.03607372223527725 Produits pétroliers | 0.039783182739002575 | 0 | 0 | 0.006207968081040262 | 0.0017574445097259318 | 0.0010622579150372318 | - | 0 | 0 | 0.00828417302497092 Produits pharmaceutiques | 0 | 0 | 0 | 0.005551931579308886 | 0.0041328351556374964 | 0.0062859157449093005 | - | 0 | 0 | 0.00349393559007841 Produits alimentaires | 0.04746187625809202 | 0.010493764052151373 | 0.032236500751164264 | 0.08146349084680013 | 0.029725991223142772 | 0.04629494451413732 | - | 0.07239859319808044 | 0.0010725936137442919 | 0.04769506729721606 Matériaux de construction | 0 | 0 | 0 | 0 | 0.02864075958009699 | 0.020030602455920157 | - | 0 | 0 | 0.010449378088505016 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.006524649311400868 | 0.04322679107001566 | 0.05527150260770761 | 0.05127709599882564 | 0.017084577359681333 | 0.0028954737365503758 | - | 0.126168262049562 | 0.004097930218210382 | 0.027866250151193997 S-Total | 0.09399623770337166 | 0.08287120471579029 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300723254672 | 0.11263842073783377 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386252638724166 (2) Commerce de détail Produits pétroliers | 0.002752206577127784 | 0.004189668778850229 | 0.0005187573072260769 | 0.00674995764145768 | 0.0039850566826987715 | 0.00683144854102552 | - | 0.019554624308670686 | 0 | 0.004800593019281993 Produits pharmaceutiques | 0 | 0 | 0 | 0.0005338748795573274 | 0.0006313881145197426 | 0.003969415884296153 | - | 0 | 0.000533623970250385 | 0.0006747414501988591 Véhicules automobiles | 0.0017811941022393963 | 0 | 0 | 0.038929595251290784 | 0.055795215640533705 | 0.016773118957692956 | - | 0.0037857715833973515 | 0 | 0.0313289508541114 Produits alimentaires | 0.0013164823591363876 | 0.00011302842586311992 | 0.023231183731611385 | 0.03063387602180706 | 0.026149743574573718 | 0.032576648052864726 | - | 0 | 0.0016823148148730465 | 0.020980249152795907 Librairie ,papeterie | 0.0001808216899233497 | 0.0011427130401951843 | 0 | 0.0027145486448908315 | 0.0008375181270841687 | 0.0016589595923253563 | - | 0 | 0 | 0.0012863598959795533 Appareils électro- ménagers électroni.équip. inform. | 0.0013388841573880026 | 0 | 0.0038706781089399424 | 0.01680311118249889 | 0.007104375916078852 | 0.035084729039440404 | - | 0.0020214117108495184 | 0 | 0.010347451718008417 Matériaux de construction | 0 | 0 | 0 | 0 | 0.013996692759868474 | 0.00015330519122763766 | - | 0.02432160806482428 | 0 | 0.004960968643795448 Autres | 0.023897294083775493 | 0.253930691631277 | 0.05013392431204607 | 0.03063510435093697 | 0.03490514479193105 | 0.018715320467056498 | - | 0.06778499980248355 | 0.0008732314468976542 | 0.03379903773821361 S-Total | 0.03126688296959042 | 0.25937610187618554 | 0.07775454345982348 | 0.12700006797243954 | 0.14340513560728846 | 0.11576294572592925 | - | 0.11746841547022538 | 0.0030891702320210855 | 0.10817835247238519 [Secteur d'activité mars 14g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1246939 | 535588.31 | 382924.63 | 6710953.37 | 6268773.46 | 1133775.5699999998 | 0 | 490173.9 | 30671 | 16799799.240000002 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 998260 | 89079.45 | 112150.48999999998 | 4168173.9699999997 | 1200922.22 | 1858096.48 | 0 | 60801.56 | 536812 | 9024296.17 Industries Manufacturières ( 200 à 290 ) | 986912 | 21753.16 | 67793.57999999999 | 3822109.76 | 3859341.519999999 | 704773.1499999999 | 0 | 907135.99 | 321257 | 10691076.16 Prêts aux Particuliers ( 1560 ) | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1337405 | 287787.15 | 181068 | 1078503.41 | 4783899.59 | 588447.46 | 2709893.05 | 963.26 | 854952 | 11822918.92 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 576497 | 48470.9 | 77386.77 | 170225.88999999998 | 1254057.58 | 32895.78 | 0 | 67469.33 | 363245 | 2590248.25 Bâtiments et Travaux Publics ( 600 ) | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97 Électricité, Gaz et Eau ( 300 à 500 ) | 2207081 | 6151.55 | 374640.07 | 1160159.67 | 2554523.99 | 94012.69 | 0 | 1487.26 | 0 | 6398056.2299999995 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17 Total | 9954558 | 1564916.07 | 1585365.6199999999 | 21793833.06 | 21851694.199999996 | 4963954.540000001 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.91000001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12526312067296208 | 0.3422473065919759 | 0.24153710990654637 | 0.30792900686741337 | 0.28687814329746575 | 0.2284016827438552 | 0 | 0.31603527071786786 | 0.00964453788541518 | 0.2420409014791956 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1002817001016017 | 0.05692282909459802 | 0.07074108873384045 | 0.19125474433637787 | 0.05495785402305329 | 0.37431778736636045 | 0 | 0.0392012660704062 | 0.16880126736479062 | 0.13001636204088662 Industries Manufacturières ( 200 à 290 ) | 0.09914171980312939 | 0.013900528224494493 | 0.042762110610169525 | 0.17537574732620256 | 0.17661520816999168 | 0.14197816364369842 | 0 | 0.5848678768444648 | 0.10101970289377016 | 0.15403027587305482 Prêts aux Particuliers ( 1560 ) | 0.26133395375264273 | 0.2389965552593501 | 0.1638534523033242 | 0.10251982218312909 | 0.05422179118724809 | 0.05420772044378954 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882356 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1343510178955208 | 0.18389941512965613 | 0.1142121399100354 | 0.04948663261899832 | 0.21892579798229103 | 0.11854408723090358 | 0.9144375721580038 | 0.0006210533340753014 | 0.2688408253467927 | 0.17033715180945444 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05791286765318963 | 0.030973482175309246 | 0.04881320057893018 | 0.007810736621288958 | 0.05738948973576613 | 0.006626930149122597 | 0 | 0.04350025158765728 | 0.11422288690253454 | 0.0373186615225831 Bâtiments et Travaux Publics ( 600 ) | 0 | 0.12912896983670186 | 0.08176943435924895 | 0.11227373694492272 | 0.0292654969517192 | 0.05698455691336769 | 0 | 0 | 0.143346743635976 | 0.059888809048870506 Électricité, Gaz et Eau ( 300 à 500 ) | 0.22171562012095364 | 0.003930913687914266 | 0.23631146359790497 | 0.05323339252925341 | 0.11690278870917023 | 0.018939071508902252 | 0 | 0.0009588976824915731 | 0 | 0.09217915497088901 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294741 | 0 | 0 | 0 | 0 | 0.0015613145862421744 Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999998 | 1 | 0.9999999999999998 | 1 | 0.9999999999999998 [Secteur d'activité déc. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2337.11 | 105841.22 | 0 | 0 | 0 | 0 | 108178.33 200 | Industrie alimentaire | 138568 | 21966.42 | 4225.95 | 296603.87 | 1086374.63 | 199451.56 | 0 | 363000.18 | 154449 | 2264639.61 210 | Industrie des boissons | 3840 | 0 | 9464.22 | 664886.27 | 1037245.67 | 110000.66 | 0 | 318271.72 | 77729 | 2221437.54 220 | Industrie du bois | 6723 | 0 | 10206.39 | 2975.48 | 0 | 0.13 | 0 | 0 | 0 | 19905 230 | Industrie chimique | 0 | 0 | 0 | 553729.18 | 90063.31 | 67416.02 | 0 | 0 | 0 | 711208.51 240 | Industrie du textile | 218286 | 0 | 0 | 589336.61 | 252938.44 | 65250.35 | 0 | 0 | 6510 | 1132321.4000000001 250 | Industrie pharmacie | 0 | 0 | 9102.35 | 0 | 61120.48 | 215.11 | 0 | 0 | 0 | 70437.94 260 | Imprimerie, édition | 13011 | 0 | 0 | 146228.9 | 53376.12 | 33209.67 | 0 | 0 | 4272 | 250097.69 270 | Sidérurgie, aciérie | 458554 | 23.68 | 17301.04 | 653387.58 | 47117.08 | 64975 | 0 | 168770.61 | 35731 | 1445859.9899999998 280 | Industrie de la fabrication | 75439 | 3293.31 | 0 | 664199.83 | 542140.56 | 88983.02 | 0 | 0 | 8484 | 1382539.72 290 | Autres industries | 0 | 0 | 0 | 49296.57 | 109349.41 | 43625.74 | 0 | 0 | 1289 | 203560.72 300 | Production et distribution de l'électricité | 2553161 | 0 | 389577.04 | 871975.87 | 90644.01 | 2166.29 | 0 | 66754.06 | 0 | 3974278.27 400 | Production et distribution de gaz | 0 | 8155.65 | 753.51 | 0 | 1736492.91 | 92211.32 | 0 | 1635.41 | 0 | 1839248.7999999998 500 | Traitement et distribution de l'eau | 0 | 5647.77 | 0 | 267259.81 | 59555.34 | 0.001 | 0 | 0 | 0 | 332462.92100000003 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 172905.3 | 174540.89 | 1835512.96 | 883789.31 | 305966.39 | 0 | 0 | 438017 | 3841680.85 700 | Commerce de gros(1) | 964590 | 130518.81 | 151178.41 | 4121138.55 | 3050500.63 | 478462.32 | 0 | 449593.94 | 41247 | 9387229.659999998 800 | Commerce de détail(2) | 292858 | 422577.28 | 89004.88 | 2375882.06 | 2986472.21 | 569487.22 | 0 | 200621.13 | 14434 | 6951336.779999999 900 | Rest/débits/boissons, casinos/activités/loterie | 1497 | 2528.58 | 4596.03 | 11461.33 | 18938.12 | 14603.17 | 0 | 0 | 7020 | 60644.229999999996 1000 | Hotels,motels et pensions | 103193 | 0 | 5543.13 | 1021737.87 | 87527.57 | 556356.58 | 0 | 0 | 0 | 1774358.15 1100 | Transport | 38735 | 48275.11 | 55227.54 | 29793.11 | 385926.99 | 37218.26 | 0 | 4996.96 | 0 | 600172.97 1200 | Immobilier résidentiel / Avance Hypothécaire | 794273 | 195138.11 | 60240.26 | 185987.61 | 844864.93 | 626782.63 | 1538922.2 | 0 | 827601 | 5073809.74 1300 | Immobilier commercial | 414904 | 114267.17 | 109404.51 | 902493.58 | 3793965.71 | 4060.81 | 981326.08 | 12336.45 | 35442 | 6368200.31 1400 | Télécommunications | 564784 | 0 | 7402.01 | 126107.51 | 925022.03 | 4382.9 | 0 | 55945.02 | 359574 | 2043217.47 1500 | Services financiers | 7763 | 0 | 0 | 1751489.13 | 1486354.83 | 701446.12 | 0 | 17400.04 | 327984 | 4292437.12 1510 | Services professionnels | 343027 | 22641.24 | 35146.64 | 57627.63 | 207532.01 | 150079.82 | 0 | 0 | 26669 | 842723.3400000001 1520 | Services médicaux | 297588 | 1362.41 | 0 | 2682.65 | 40501.36 | 17679.5 | 0 | 0 | 1462 | 361275.92 1530 | Services d'agence ou de représentation | 1431 | 0 | 4323.96 | 119439.65 | 28013.88 | 234.32 | 0 | 464.09 | 783 | 154689.9 1540 | Services d'enseignement | 27316 | 0 | 1715.12 | 143414.84 | 8127.87 | 11158.97 | 0 | 0 | 5165 | 196897.8 1550 | Autres services | 39311 | 38083.63 | 1604.76 | 2076491.11 | 83534.97 | 339705.48 | 0 | 49418.95 | 21365 | 2649514.9000000004 1560 | Crédit à la consommation | 2604337 | 332756.51 | 171784.87 | 2241605.93 | 666480.38 | 260257.66 | 239285.55 | 25582.19 | 601358 | 7143448.090000001 Total | 9994138 | 1520140.9799999997 | 1312343.5100000002 | 21765082.599999994 | 20769811.980000004 | 4845387.021 | 2759533.8299999996 | 1734790.7499999998 | 2996585 | 67697813.671 (1) Commerce de gros Import-export | 6051 | 9156 | 17990.23 | 787478.51 | 1359135.38 | 177673 | 0 | 0 | 24578 | 2382062.12 Produits pétroliers | 428216 | 0 | 0 | 293608.09 | 8607.64 | 13149 | 0 | 0 | 0 | 743580.7300000001 Produits pharmaceutiques | 0 | 0 | 0 | 101070.65 | 82200.3 | 55756 | 0 | 0 | 0 | 239026.95 Produits alimentaires | 466939 | 43794.41 | 46774.6 | 1753837.75 | 693007.09 | 146674 | 0 | 92670.67 | 3637 | 3247334.5199999996 Matériaux de construction | 0 | 0 | 0 | 0 | 725422.96 | 70100 | 0 | 0 | 0 | 795522.96 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 63384 | 77568.42 | 43660.32 | 1185143.55 | 182127.26 | 15109 | 0 | 356923.27 | 13032 | 1936947.82 S-Total | 964590 | 130518.83 | 108425.15 | 4121138.55 | 3050500.63 | 478461 | - | 449593.94 | 41247 | 9344475.1 (2) Commerce de détail Produits pétroliers | 21988 | 6556.48 | 0 | 122447.12 | 79413.5 | 35356 | 0 | 43219.97 | 0 | 308981.06999999995 Produits pharmaceutiques | 0 | 0 | 5794.22 | 8872.96 | 13584.14 | 8027 | 0 | 0 | 2009 | 38287.32 Véhicules automobiles | 18942 | 0 | 0 | 716569.97 | 1187586.97 | 105766 | 0 | 18586.16 | 1220 | 2048671.0999999999 Produits alimentaires | 11453 | 176.88 | 0 | 611977.01 | 578848.81 | 147383 | 0 | 0 | 6312 | 1356150.7000000002 Librairie ,papeterie | 1828 | 1755.28 | 22455.93 | 62313.62 | 21055.09 | 8830 | 0 | 0 | 0 | 118237.92 Appareils électro- ménagers électroni.équip. inform. | 13317 | 0 | 0 | 355502.98 | 164595.63 | 169611 | 0 | 3016.7 | 0 | 706043.3099999999 Matériaux de construction | 0 | 0 | 0 | 0 | 260397.95 | 601 | 0 | 35113.4 | 0 | 296112.35000000003 Autres | 225330 | 414088.64 | 60754.73 | 498198.41 | 680990.12 | 93912 | 0 | 100684.8 | 4893 | 2078851.7 S-Total | 292858 | 422577.28 | 89004.88 | 2375882.0700000003 | 2986472.2100000004 | 569486 | - | 200621.03000000003 | 14434 | 6951335.47 [Secteur d'activité déc. 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.0001073788711465768 | 0.005095916135491178 | 0 | 0 | 0 | 0 | 0.0015979589906068238 200 | Industrie alimentaire | 0.013864927620571179 | 0.01445025184440459 | 0.0032201553692295082 | 0.01362750950460441 | 0.05230546290193233 | 0.04116318451664916 | - | 0.20924724206651438 | 0.05154167160284123 | 0.033452182385176686 210 | Industrie des boissons | 0.00038422523283148584 | 0 | 0.007211694139440669 | 0.030548299871832336 | 0.04994006065143012 | 0.02270214113408383 | - | 0.18346404025961058 | 0.025939194115968678 | 0.032814021894352646 220 | Industrie du bois | 0.0006726943334182498 | 0 | 0.007777224425028777 | 0.0001367088769973242 | 0 | 0 | - | 0 | 0 | 0.00029402722068300397 230 | Industrie chimique | 0 | 0 | 0 | 0.0254411706206895 | 0.004336260245722262 | 0.013913443798775555 | - | 0 | 0 | 0.010505634841567467 240 | Industrie du textile | 0.021841403430691072 | 0 | 0 | 0.0270771593579893 | 0.012178176684678873 | 0.013466488789688778 | - | 0 | 0.0021724729984298795 | 0.01672611475317197 250 | Industrie pharmacie | 0 | 0 | 0.006935950786238885 | 0 | 0.002942755575199963 | 0 | - | 0 | 0 | 0.0010404758467136997 260 | Imprimerie, édition | 0.0013018631521798077 | 0 | 0 | 0.006718508846826064 | 0.0025698894169768017 | 0.006853873561816354 | - | 0 | 0.001425622833992695 | 0.0036943244757568204 270 | Sidérurgie, aciérie | 0.04588229620203363 | 0 | 0.013183316615022539 | 0.03001999082695878 | 0.0022685366649139974 | 0.013409661543731617 | - | 0.09728585998051927 | 0.01192390671380922 | 0.021357558118887506 280 | Industrie de la fabrication | 0.007548324828014182 | 0.0021664503775169594 | 0 | 0.030516761282587557 | 0.026102333546497512 | 0.018364481436538693 | - | 0 | 0.002831222875373133 | 0.02042222111808382 290 | Autres industries | 0 | 0 | 0 | 0.002264938337518646 | 0.005264824260580523 | 0.009003561492802372 | - | 0 | 0.0004301563279533202 | 0.003006902423603676 300 | Production et distribution de l'électricité | 0.25546585408366385 | 0 | 0.2968559961865472 | 0.040063062751712245 | 0.004364219092945298 | 0.00044708296584179094 | - | 0.038479603375796194 | 0 | 0.05870615392860875 400 | Production et distribution de gaz | 0 | 0.0053650616010628175 | 0.0005741713158622622 | 0 | 0.08360657822382461 | 0.0190307440046284 | - | 0.0009427131197235173 | 0 | 0.02716851106800051 500 | Traitement et distribution de l'eau | 0 | 0.003715293564416638 | 0 | 0.01227929224582865 | 0.002867399091399959 | 0 | - | 0 | 0 | 0.004910984608981819 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030967152945056394 | 0.1137429371846814 | 0.13299939281903408 | 0.08433291955436918 | 0.0425516278554198 | 0.0631459135614835 | - | 0 | 0.14617205919404921 | 0.0567474877205034 700 | Commerce de gros(1) | 0.09651557743149033 | 0.08585967467306882 | 0.11519728550339688 | 0.18934633172492535 | 0.14687184616487794 | 0.09874594494234107 | - | 0.25916321031801676 | 0.013764668781296042 | 0.1386637049406109 800 | Commerce de détail(2) | 0.029302977405355018 | 0.27798558525802003 | 0.06782132827402788 | 0.10916025928612835 | 0.14378908258176729 | 0.1175318333771547 | - | 0.11564572269018614 | 0.0048168164760886145 | 0.1026818504624437 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00014978780561164954 | 0.0016633851947074015 | 0.0035021547064304826 | 0.000526592534043496 | 0.0009118098911167897 | 0.0030138294292508696 | - | 0 | 0.0023426667356340634 | 0.0008958078069510599 1000 | Hotels,motels et pensions | 0.0103253527217655 | 0 | 0.004223840753401523 | 0.04694390041046756 | 0.004214172477068326 | 0.11482190743252085 | - | 0 | 0 | 0.026209977158539895 1100 | Transport | 0.00387577197753323 | 0.031756995328157005 | 0.042083143307501854 | 0.0013688489286964622 | 0.018581149909860664 | 0.007681173833729969 | - | 0.0028804396149795016 | 0 | 0.00886547049978216 1200 | Immobilier résidentiel | 0.07947388759290697 | 0.12836842935449316 | 0.04590281396674868 | 0.008545228769313287 | 0.04067754348539846 | 0.1293565668301649 | 0.5576746997154951 | 0 | 0.27618138647827445 | 0.07494791138540843 1300 | Immobilier commercial | 0.041514735938206974 | 0.0751687978308433 | 0.08336575688174812 | 0.041465203536604094 | 0.18266731127144267 | 0.0008380775327957027 | 0.3556129913435416 | 0.0071112034693521405 | 0.011827463596060182 | 0.09406803506163999 1400 | Télécommunications | 0.05651152705716091 | 0 | 0.005640299162221634 | 0.005794028551033389 | 0.044536851411593754 | 0.000904551067026107 | - | 0.03224885767923307 | 0.11999459384599469 | 0.0301814395355468 1500 | Services financiers | 0.0007767553339767772 | 0 | 0 | 0.08047243202284013 | 0.07156322991422669 | 0.14476575698905353 | - | 0.01003005117475984 | 0.10945259353564141 | 0.06340584558403205 1510 | Services professionnels | 0.03432282003710575 | 0.01489417119720041 | 0.026781585562152085 | 0.0026477101446883556 | 0.009992002344548907 | 0.030973752839463846 | - | 0 | 0.008899797602938011 | 0.0124483095435769 1520 | Services médicaux | 0.029776254840587553 | 0.0008962392422313359 | 0 | 0.00012325475851858247 | 0.0019500109119427855 | 0.003648728145631445 | - | 0 | 0.0004878887133186611 | 0.0053365965665559045 1530 | Services d'agence ou de représentation | 0.00014318393442235838 | 0 | 0.0032948385594561286 | 0.005487672718503721 | 0.001348778699921577 | 4.8359398121234204e-05 | - | 0.00026751929591508375 | 0.00026129744358995325 | 0.002285005846005115 1540 | Services d'enseignement | 0.0027332022031314757 | 0 | 0.001306913919207022 | 0.0065892164360543265 | 0.0003913309377969631 | 0.0023030090169550567 | - | 0 | 0.0017236287307051193 | 0.002908480929042852 1550 | Autres services | 0.003933405762457953 | 0.0250526960992789 | 0.0012228200831350929 | 0.09540469697091802 | 0.004021941560204725 | 0.07010904980917107 | - | 0.02848698034618873 | 0.007129782736014496 | 0.03913737765411742 1560 | Crédit à la consommation | 0.2605864557803785 | 0.21889845374736233 | 0.13089931766416857 | 0.10299092225820455 | 0.032088898091219016 | 0.053712460712021216 | 0.08671230894096342 | 0.014746556609204887 | 0.20068110866202693 | 0.10551962763104815 Total | 1 | 0.999984422497445 | 0.9999999999999998 | 1.0000000000000004 | 0.9999999999999999 | 0.9999555781614414 | 1 | 1 | 0.9999999999999998 | 0.9999999999999999 (1) Commerce de gros Import-export | 0.0006054549176727397 | 0.006023125565630104 | 0.013708476372927691 | 0.03618081881297341 | 0.06543802039752503 | 0.03666848473196503 | - | 0 | 0.008202003280400856 | 0.03518669201898338 Produits pétroliers | 0.04284671674535613 | 0 | 0 | 0.01348986794104793 | 0.0004144303284155198 | 0.0027137151156371997 | - | 0 | 0 | 0.01098382192390551 Produits pharmaceutiques | 0 | 0 | 0 | 0.004643706245341795 | 0.003957681469584492 | 0.01150702714940054 | - | 0 | 0 | 0.003530792754425288 Produits alimentaires | 0.04672128801903676 | 0.02880943976656692 | 0.03564204009360323 | 0.08058033972267123 | 0.03336607431339876 | 0.030270853363067198 | - | 0.05341893251390694 | 0.0012137149455129757 | 0.04796808558370141 Matériaux de construction | 0 | 0 | 0 | 0 | 0.034926794748962375 | 0.01446736859123642 | - | 0 | 0 | 0.011751087913504975 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.006342117749424713 | 0.051027122497546255 | 0.0332689723897061 | 0.054451599002891 | 0.008768844906991785 | 0.0031182235669756217 | - | 0.20574427780410984 | 0.00434895055538221 | 0.028611674660768825 S-Total | 0.09651557743149035 | 0.08585968782974328 | 0.08261948885623702 | 0.18934633172492538 | 0.14687184616487794 | 0.09874567251828201 | - | 0.25916321031801676 | 0.013764668781296042 | 0.13803215485528939 (2) Commerce de détail Produits pétroliers | 0.002200089692577789 | 0.0043130736466298015 | 0 | 0.005625851380871857 | 0.003823505965122366 | 0.007296837145674107 | - | 0.024913650248596268 | 0 | 0.004564121841535327 Produits pharmaceutiques | 0 | 0 | 0.004415170232373077 | 0.0004076694843326715 | 0.0006540328825836582 | 0.0016566272137211804 | - | 0 | 0.0006704298393004036 | 0.0005655621344888616 Véhicules automobiles | 0.0018953110313265637 | 0 | 0 | 0.03292291525693544 | 0.05717851327414856 | 0.021828184114418135 | - | 0.010713776286851889 | 0.0004071301164492247 | 0.030261997971695175 Produits alimentaires | 0.0011459717686507832 | 0.00011635762888255273 | 0 | 0.028117375947840428 | 0.027869718346867765 | 0.030417178103882985 | - | 0 | 0.0021063977828094313 | 0.020032415028802326 Librairie ,papeterie | 0.00018290722021248857 | 0.0011546823768937538 | 0.0171113201908546 | 0.002863008661405219 | 0.0010137352240008094 | 0.0018223518496521768 | - | 0 | 0 | 0.0017465544836442787 Appareils électro- ménagers électroni.équip. inform. | 0.0013324811004210668 | 0 | 0 | 0.016333637989501593 | 0.007924753009728495 | 0.03500463415304138 | - | 0.0017389417138637614 | 0 | 0.010429336956600279 Matériaux de construction | 0 | 0 | 0 | 0 | 0.012537328226694903 | 0.00012403549961958758 | - | 0.020240712028237413 | 0 | 0.004374031212278971 Autres | 0.022546216592166327 | 0.2724014716056139 | 0.0462948378508002 | 0.02288980102469265 | 0.03278749565262073 | 0.01938173351127239 | - | 0.05803858476879705 | 0.0016328587375295544 | 0.03070781148269972 S-Total | 0.02930297740535502 | 0.27798558525802003 | 0.06782132827402787 | 0.10916025974557986 | 0.14378908258176729 | 0.11753158159128194 | - | 0.11564566504634638 | 0.0048168164760886145 | 0.10268183111174493 [Secteur d'activité sept. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2583.17 | 104065.61 | 0 | 0 | 0 | 0 | 106648.78 200 | Industrie alimentaire | 223727 | 22251.14 | 19.41 | 215321.66 | 1040692.7 | 215246.84 | 0 | 300727.12 | 142758 | 2160743.87 210 | Industrie des boissons | 3827 | 0 | 9540.07 | 665004.44 | 1032914.31 | 90512.49 | 0 | 182388.78 | 80292 | 2064479.0899999999 220 | Industrie du bois | 14454 | 0 | 656.88 | 5924.5 | 0 | 0 | 0 | 0 | 0 | 21035.379999999997 230 | Industrie chimique | 0 | 0 | 0 | 459982.92 | 89144.19 | 58668.18 | 0 | 652.77 | 0 | 608448.06 240 | Industrie du textile | 223934 | 0 | 0 | 591490.53 | 259885.86 | 26872.78 | 0 | 0 | 6207 | 1108390.1700000002 250 | Industrie pharmacie | 0 | 0 | 8945.97 | 0 | 58759.42 | 368.16 | 0 | 0 | 0 | 68073.55 260 | Imprimerie, édition | 35094 | 0 | 0 | 267201.37 | 81969.63 | 56244.05 | 0 | 0 | 4488 | 444997.05 270 | Sidérurgie, aciérie | 458981 | 0 | 16078.28 | 693142.16 | 492235.84 | 64975 | 0 | 116469.54 | 20057 | 1861938.82 280 | Industrie de la fabrication | 5318 | 800.87 | 0 | 578525.78 | 532320.65 | 120897.77 | 0 | 0 | 6998 | 1244861.07 290 | Autres industries | 0 | 0 | 0 | 48909.06 | 164985.21 | 337.58 | 0 | 0 | 2227 | 216458.84999999998 300 | Production et distribution de l'électricité | 2998322 | 0 | 527752.35 | 896694.32 | 92435.89 | 1889.41 | 0 | 66070.95 | 0 | 4583164.92 400 | Production et distribution de gaz | 0 | 6633.13 | 1010.76 | 0 | 1725329.26 | 92537.1 | 0 | 2122.4 | 0 | 1827632.65 500 | Traitement et distribution de l'eau | 0 | 4254.39 | 0 | 260645.95 | 77111.96 | 0 | 0 | 0 | 0 | 342012.30000000005 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 161344.75 | 173220.41 | 1885338 | 748114.32 | 302024.76 | 0 | 8812.72 | 82490 | 3392293.9600000004 700 | Commerce de gros(1) | 843481 | 135171.94 | 108438.8 | 3907598.75 | 3307179.06 | 503485.65 | 0 | 294341.77 | 51943 | 9151639.97 800 | Commerce de détail(2) | 266107 | 396242.23 | 88838.84 | 2412459.07 | 2906995.2 | 524322.47 | 0 | 206777.18 | 12460 | 6814201.989999999 900 | Rest/débits/boissons, casinos/activités/loterie | 1825 | 2285.21 | 90.73 | 11359.5 | 12669.5 | 13522.6 | 0 | 0 | 6269 | 48021.54 1000 | Hotels,motels et pensions | 105441 | 0 | 0 | 977188.3 | 26080.39 | 556134.46 | 0 | 0 | 0 | 1664844.15 1100 | Transport | 41858 | 47779.83 | 0 | 31112.11 | 323671.74 | 32603.02 | 0 | 4533.55 | 0 | 481558.25 1200 | Immobilier résidentiel / Avance Hypothécaire | 684986 | 168576.75 | 56280.22 | 216655.71 | 822793.33 | 607876.07 | 1464659.47 | 8353.35 | 842300 | 4872480.9 1300 | Immobilier commercial | 415383 | 116285.99 | 74246.99 | 856546.93 | 3570698.53 | 4276.01 | 900844.02 | 0 | 36427 | 5974708.469999999 1400 | Télécommunications | 574045 | 0 | 1405.23 | 126662.51 | 993171.09 | 3997.12 | 0 | 41301.17 | 355418 | 2096000.12 1500 | Services financiers | 4022 | 0 | 5565.44 | 1479071.64 | 1510940.21 | 699492.07 | 0 | 21018.03 | 345522 | 4065631.3899999997 1510 | Services professionnels | 349257 | 25105.81 | 13128.1 | 64321.81 | 212554.79 | 148278.98 | 0 | 1747.4 | 32304 | 846697.89 1520 | Services médicaux | 352853 | 328.4 | 0 | 2036.25 | 41386.83 | 20273.18 | 0 | 0 | 1606 | 418483.66000000003 1530 | Services d'agence ou de représentation | 1391 | 0 | 4493.93 | 118885.84 | 19539.32 | 225.83 | 0 | 6.02 | 793 | 145334.93999999997 1540 | Services d'enseignement | 27889 | 0 | 1517.95 | 134442.64 | 8330.19 | 9930.81 | 0 | 0 | 17343 | 199453.59000000003 1550 | Autres services | 35665 | 37596.64 | 3503.82 | 1960073.99 | 115714.35 | 326676.39 | 0 | 64041.39 | 21518 | 2564789.58 1560 | Crédit à la consommation | 2560247 | 338847.27 | 256841.12 | 2184438.32 | 627139.9 | 261148.73 | 231147.86 | 17347.13 | 586012 | 7063169.330000001 Total | 10259056 | 1463504.3499999999 | 1351575.2999999998 | 21053617.23 | 20998829.28 | 4742817.51 | 2596651.35 | 1336711.2699999998 | 2655432 | 66458194.28999999 (1) Commerce de gros Import-export | 5406 | 12926.66 | 17991.14 | 797425.95 | 1442825.75 | 177806 | 0 | 0 | 23760 | 2478141.5 Produits pétroliers | 480407 | 0 | 0 | 137876.61 | 9870.5 | 6494 | 0 | 0 | 0 | 634648.11 Produits pharmaceutiques | 0 | 0 | 0 | 114622.41 | 82673.82 | 50565 | 0 | 0 | 0 | 247861.23 Produits alimentaires | 295904 | 44182.47 | 46781.81 | 1706738.17 | 744906.74 | 152655 | 0 | 102512.26 | 3842 | 3097522.4499999997 Matériaux de construction | 0 | 0 | 0 | 0 | 787257.43 | 97342 | 0 | 0 | 11309 | 895908.43 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 61764 | 78062.81 | 43665.85 | 1150935.61 | 239644.82 | 18624 | 0 | 191829.5 | 13032 | 1797558.59 S-Total | 843481 | 135171.94 | 108438.79999999999 | 3907598.75 | 3307179.06 | 503486 | - | 294341.76 | 51943 | 9151640.309999999 (2) Commerce de détail Produits pétroliers | 21132 | 6698.07 | 6522.86 | 114106.48 | 80269.85 | 34394 | 0 | 14318.44 | 0 | 277441.7 Produits pharmaceutiques | 0 | 0 | 0 | 10937.59 | 10583.34 | 10782 | 0 | 0 | 1498 | 33800.93 Véhicules automobiles | 11023 | 0 | 0 | 794605.21 | 1178256.44 | 123655 | 0 | 34150.35 | 1216 | 2142906 Produits alimentaires | 11317 | 176.88 | 22367.27 | 585274.81 | 503463.4 | 162928 | 0 | 0 | 6352 | 1291879.36 Librairie ,papeterie | 1910 | 1749.72 | 0 | 63817.28 | 22030.57 | 5197 | 0 | 0 | 0 | 94704.57 Appareils électro- ménagers électroni.équip. inform. | 13978 | 0 | 0 | 344909.53 | 93173.89 | 117078 | 0 | 2473.61 | 0 | 571613.03 Matériaux de construction | 0 | 0 | 0 | 0 | 235251.99 | 578 | 0 | 37149.28 | 850 | 273829.27 Autres | 206747 | 387617.56 | 59948.71 | 498807.81 | 783965.72 | 69710 | 0 | 118685.5 | 2544 | 2128026.3 S-Total | 266107 | 396242.23 | 88838.84 | 2412458.71 | 2906995.1999999993 | 524322 | - | 206777.18 | 12460 | 6814201.159999999 [Secteur d'activité sept 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00012269483062127468 | 0.004955781515835058 | 0 | - | 0 | 0 | 0.0016047498903539652 200 | Industrie alimentaire | 0.021807756971011758 | 0.015204013571944628 | 0 | 0.010227300023920877 | 0.04955955811266065 | 0.04538374912088912 | - | 0.2249753755723179 | 0.05376074401453323 | 0.03251282844928467 210 | Industrie des boissons | 0.0003730362715633875 | 0 | 0.007058482054237009 | 0.03158623208236221 | 0.049189137938455585 | 0.019084118208039593 | - | 0.13644590577888974 | 0.030236888009182686 | 0.03106432716169424 220 | Industrie du bois | 0.001408901559753646 | 0 | 0.00048601065734184403 | 0.00028140057526827183 | 0 | 0 | - | 0 | 0 | 0.0003165204866718024 230 | Industrie chimique | 0 | 0 | 0 | 0.02184816580328795 | 0.004245198092300505 | 0.012369900354863116 | - | 0.0004883403130131461 | 0 | 0.009155350465060013 240 | Industrie du textile | 0.021827934266076723 | 0 | 0 | 0.02809448483546882 | 0.0123762070987226 | 0.005665994937258297 | - | 0 | 0.0023374727727917717 | 0.01667800610355705 250 | Industrie pharmacie | 0 | 0 | 0.006618920899190745 | 0 | 0.0027982236160167496 | 7.762474504316318e-05 | - | 0 | 0 | 0.00102430634366849 260 | Imprimerie, édition | 0.0034207825749269717 | 0 | 0 | 0.01269147088032245 | 0.0039035333306924242 | 0.011858784336823452 | - | 0 | 0.0016901204775720108 | 0.006695894385246019 270 | Sidérurgie, aciérie | 0.044739106600061446 | 0 | 0.01189595577841649 | 0.0329227112105144 | 0.02344110871308536 | 0.013699662671608886 | - | 0.08713141170718192 | 0.007553196617348891 | 0.028016692898322808 280 | Industrie de la fabrication | 0.0005183712809443676 | 0.0005472276184214964 | 0 | 0.02747868804110485 | 0.025350015608108224 | 0.025490706683336 | - | 0 | 0.002635352741098247 | 0.01873149102679299 290 | Autres industries | 0 | 0 | 0 | 0.0023230715874471134 | 0.007856876581073856 | 7.117710080310469e-05 | - | 0 | 0.0008386582672800509 | 0.003257067880229341 300 | Production et distribution de l'électricité | 0.29226100335157545 | 0 | 0.3904720291943779 | 0.04259098615710893 | 0.004401954450291145 | 0.0003983729072468572 | - | 0.04942798903760272 | 0 | 0.06896312740609072 400 | Production et distribution de gaz | 0 | 0.0045323609731669065 | 0.0007478384667136194 | 0 | 0.08216311666685448 | 0.019510997377590437 | - | 0.0015877774412719663 | 0 | 0.027500486125531173 500 | Traitement et distribution de l'eau | 0 | 0.002906988284660719 | 0 | 0.012380103008075825 | 0.0036722028152990443 | 0 | - | 0 | 0 | 0.00514627735005227 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030167492993507395 | 0.11024548714187288 | 0.12816186415954778 | 0.08954936243989081 | 0.03562647755380008 | 0.06368045141167576 | - | 0.0065928373597089526 | 0.031064625266246697 | 0.0510440284488807 700 | Commerce de gros(1) | 0.08221818849609555 | 0.09236183001437612 | 0.08023141588929601 | 0.18560225101993078 | 0.15749349718033423 | 0.10615750003841072 | - | 0.22019846514797475 | 0.019561035643164654 | 0.1377052155534875 800 | Commerce de détail(2) | 0.025938741342283345 | 0.27074892534484096 | 0.06572984871801076 | 0.11458644106830282 | 0.13843606046974824 | 0.1105508421722935 | - | 0.15469098274304222 | 0.004692268527305538 | 0.10253366139117831 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0001778916110800058 | 0.0015614644397879652 | 6.712907523539386e-05 | 0.0005395509890724845 | 0.0006033431593287376 | 0.0028511744277506476 | - | 0 | 0.002360821139460547 | 0.0007225826779230719 1000 | Hotels,motels et pensions | 0.010277846226787337 | 0 | 0 | 0.04641427120692457 | 0.001241992572644983 | 0.11725824551069433 | - | 0 | 0 | 0.025050998869081673 1100 | Transport | 0.004080102496759936 | 0.03264754901480136 | 0 | 0.0014777560387897297 | 0.015413799297291109 | 0.006874188165844062 | - | 0.0033915701182051085 | 0 | 0.007246032714922265 1200 | Immobilier résidentiel | 0.06676891129164321 | 0.11518705086185771 | 0.04164046205934661 | 0.010290664432299076 | 0.039182819148096806 | 0.12816771227615711 | 0.5640570383082041 | 0.0062491804980442794 | 0.3171988587920911 | 0.07331648041381054 1300 | Immobilier commercial | 0.04048939785492934 | 0.07945722197545912 | 0.05493366888252546 | 0.04068407441071351 | 0.17004274297333588 | 0.0009015759073555416 | 0.34692528898806535 | 0 | 0.013717918591023984 | 0.08990175754593166 1400 | Télécommunications | 0.055954953360231194 | 0 | 0.0010396978991847514 | 0.006016187556574096 | 0.04729649814077635 | 0.000842773307548154 | - | 0.030897599898293673 | 0.13384564168843338 | 0.031538625784110215 1500 | Services financiers | 0.0003920438683637169 | 0 | 0.004117743199361516 | 0.07025261378327052 | 0.0719535451168733 | 0.1474845001995449 | - | 0.01572368728513825 | 0.13011894109884944 | 0.06117577273103488 1510 | Services professionnels | 0.03404377556765457 | 0.017154585157194785 | 0.009713184311669502 | 0.0030551429380194918 | 0.010122220966025207 | 0.031263901612777846 | - | 0.0013072381741795298 | 0.01216525220755041 | 0.012740308385528963 1520 | Services médicaux | 0.03439429514762372 | 0.0002243929100723206 | 0 | 9.671734684615048e-05 | 0.0019709113040610425 | 0.004274501381774649 | - | 0 | 0.0006047980140331216 | 0.006296945989442412 1530 | Services d'agence ou de représentation | 0.00013558752384234963 | 0 | 0.003324957181445977 | 0.005646813025107895 | 0.0009304956833288755 | 4.7615156923885104e-05 | - | 0 | 0.0002986331414248228 | 0.0021868626066758575 1540 | Services d'enseignement | 0.0027184762418686476 | 0 | 0.0011230968781391613 | 0.006385726430346051 | 0.00039669782962300457 | 0.002093862978927899 | - | 0 | 0.0065311406957512 | 0.003001188824506054 1550 | Autres services | 0.003476440717352552 | 0.025689462419431826 | 0.0025923971827540803 | 0.09309915576915806 | 0.005510514346159778 | 0.06887812767647475 | - | 0.04790966563781572 | 0.00810338958030181 | 0.038592525833731926 1560 | Crédit à la consommation | 0.24955970607822006 | 0.23153144027211128 | 0.1900309364931425 | 0.10375596250925095 | 0.029865469719176647 | 0.055061939332344254 | 0.08901767270373051 | 0.012977469696952584 | 0.22068424271455642 | 0.10627988625719854 Total | 1 | 1 | 0.9999856389799372 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999954964096326 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0005269490682183624 | 0.008832676172093374 | 0.01331123763507664 | 0.037875959332238696 | 0.06870981856946645 | 0.03748953014217914 | - | - | 0.008947696645969469 | 0.03728872754481215 Produits pétroliers | 0.04682760285156841 | - | - | 0.006548832368982895 | 0.00047005001414059783 | 0.0013692283091870428 | - | - | - | 0.00954958401714348 Produits pharmaceutiques | - | - | - | 0.005444309581000205 | 0.003937068057348386 | 0.010661384270718019 | - | - | - | 0.0037295811697564563 Produits alimentaires | 0.02884319960822906 | 0.03018950370731731 | 0.03461280329701202 | 0.08106626768002659 | 0.03547372713342046 | 0.032186564142123196 | - | 0.07668990476903813 | 0.0014468455603457366 | 0.04660858578979005 Matériaux de construction | - | 0 | - | - | 0.03749053909161549 | 0.020524087168599495 | - | - | - | 0.013480782009974171 Appareils électroménagers électron.,équipe.inform. | - | - | - | - | - | - | - | - | - | - Autres | 0.006020436968079714 | - | 0.03230737495720735 | 0.0546668820576824 | 0.011412294314342842 | 0.0039267798014012145 | - | 0.1435085528978895 | 0.004907676039152951 | 0.027047960138009346 S-Total | 0.08221818849609555 | 0.03902217987941068 | 0.080231415889296 | 0.18560225101993078 | 0.15749349718033423 | 0.1061575738342081 | - | 0.22019845766692764 | 0.015302218245468157 | 0.13770522066948565 (2) Commerce de détail Produits pétroliers | 0.0020598386440233876 | 0.00457673391951312 | 0.00482611660630377 | 0.005419804053310415 | 0.0038225869132833866 | 0.0072518075864150214 | - | - | - | 0.0041746800821783215 Produits pharmaceutiques | - | - | - | 0.0005195112023037383 | 0.0005039966685228463 | 0.0022733322497158447 | - | - | 0.0005641266656423512 | 0.0005086043995192637 Véhicules automobiles | 0.0010744653309232351 | 0 | - | 0.037741980454918715 | 0.05611057760835322 | 0.026072055215972247 | - | 0.025548037759867172 | 0.00045792925595533986 | 0.03224442106640933 Produits alimentaires | 0.0011031229384068086 | 0.00012086059054077975 | 0.016549037260447128 | 0.02779925195780716 | 0.023975784234767587 | 0.03435257621792832 | - | 0 | 0.0023920778238719726 | 0.019438977748367593 Librairie ,papeterie | 0.00018617697378784168 | 0.0011955687046642535 | - | 0.003031178884978712 | 0.0010491332495846644 | 0.0010957621685933263 | - | - | - | 0.0014250247243664618 Appareils électro- ménagers électroni.équip. inform. | 0.001362503528589765 | - | - | 0.016382435675164026 | 0.00443709926670731 | 0.024685326760548288 | - | 0.0018505192972600587 | - | 0.008601091800744443 Matériaux de construction | - | - | - | - | 0.011203100271121398 | 0.00012186848825224988 | - | 0.02779155142456456 | 0.0003200985752977293 | 0.004120323654974828 Autres | 0.020152633926552307 | 0.26485576213012285 | 0.04435469485125987 | 0.023692261740620616 | 0.03733378225740783 | 0.014698014387654565 | - | 0.08878918182533167 | 0.0009580362065381452 | 0.032020525425563745 S-Total | 0.025938741342283345 | 0.270748925344841 | 0.06572984871801077 | 0.11458642396910337 | 0.1384360604697482 | 0.11055074307507987 | - | 0.14397929030702347 | 0.004692268527305538 | 0.10253364890212399 [Secteur d'activité juin 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2335.21 | 102146.72 | 0 | 0 | 0 | 0 | 104481.93000000001 200 | Industrie alimentaire | 4456 | 23362.76 | 19.41 | 215335.79 | 1018721.29 | 243055.14 | 0 | 390411.03 | 106917 | 2002278.4200000002 210 | Industrie des boissons | 3863 | 0 | 9540.07 | 659055.2 | 991825.09 | 92027.65 | 0 | 207085.93 | 82854 | 2046250.9399999997 220 | Industrie du bois | 11357 | 0 | 656.88 | 3833.86 | 0 | 0 | 0 | 0 | 0 | 15847.74 230 | Industrie chimique | 0 | 0 | 0 | 700701.6 | 86376.67 | 67174.36 | 0 | 0 | 0 | 854252.63 240 | Industrie du textile | 228119 | 1235.98 | 0 | 599493.48 | 280585.73 | 66662.3 | 0 | 0 | 5920 | 1182016.49 250 | Industrie pharmacie | 0 | 0 | 8945.97 | 0 | 14586.04 | 523.18 | 0 | 0 | 0 | 24055.190000000002 260 | Imprimerie, édition | 92883 | 5688.75 | 0 | 153506 | 161994.37 | 66445.95 | 0 | 0 | 4498 | 485016.07 270 | Sidérurgie, aciérie | 471337 | 0 | 16078.28 | 722495.33 | 450250.67 | 64975 | 0 | 202216.27 | 48608 | 1975960.5499999998 280 | Industrie de la fabrication | 5434 | 273.97 | 0 | 488830.33 | 353713.59 | 120294.3 | 0 | 0 | 8570 | 977116.1900000001 290 | Autres industries | 0 | 0 | 0 | 55636.06 | 44926.48 | 1455.1 | 0 | 0 | 2336 | 104353.64000000001 300 | Production et distribution de l'électricité | 3076138 | 0 | 527752.35 | 836281.89 | 91320.23 | 2027.7 | 0 | 67029.63 | 0 | 4600549.800000001 400 | Production et distribution de gaz | 0 | 7644.78 | 1010.76 | 118.79 | 1456293.88 | 92094.51 | 0 | 2184.51 | 0 | 1559347.23 500 | Traitement et distribution de l'eau | 0 | 2873.96 | 0 | 226794.64 | 82190.9 | 0.39 | 0 | 0 | 0 | 311859.89 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 151241.08 | 173220.41 | 888112.79 | 631034.21 | 254972.27 | 0 | 0 | 95034 | 2224563.76 700 | Commerce de gros(1) | 797733 | 135832.23 | 108438.8 | 3486403.86 | 2749250.74 | 530981.04 | 0 | 236653.4 | 82458 | 8127751.07 800 | Commerce de détail(2) | 219379 | 479081.79 | 88838.84 | 2267727.22 | 2650612.44 | 515837.84 | 0 | 314928.58 | 14729 | 6551134.71 900 | Rest/débits/boissons, casinos/activités/loterie | 2017 | 2270.21 | 90.73 | 9821.34 | 16349.72 | 14070.15 | 0 | 0 | 6523 | 51142.15 1000 | Hotels,motels et pensions | 110786 | 0 | 0 | 1055130.28 | 43365.98 | 558585.71 | 0 | 0 | 0 | 1767867.97 1100 | Transport | 42500 | 48830.34 | 0 | 51209.35 | 310768.39 | 35272.87 | 0 | 4167.59 | 0 | 492748.54000000004 1200 | Immobilier résidentiel / Avance Hypothécaire | 627054 | 153500.79 | 56280.22 | 194044.5 | 792704.53 | 540494.23 | 1429431.02 | 0 | 849180 | 4642689.29 1300 | Immobilier commercial | 414715 | 116187.31 | 74246.99 | 876339.36 | 3280553.57 | 4455.69 | 892774.68 | 21292.96 | 11236 | 5691801.5600000005 1400 | Télécommunications | 574812 | 1146.02 | 1405.23 | 127714.81 | 1110519.66 | 4105 | 0 | 16794.91 | 355819 | 2192316.63 1500 | Services financiers | 30431 | 22672.18 | 5565.44 | 1550007.76 | 1386068.39 | 648924.04 | 0 | 16928.86 | 336364 | 3996961.67 1510 | Services professionnels | 340233 | 26919.4 | 13128.1 | 949039.93 | 201316.9 | 110152.08 | 0 | 0 | 30926 | 1671715.4100000001 1520 | Services médicaux | 2248 | 328.4 | 0 | 4491.83 | 276.32 | 17006.91 | 0 | 0 | 1776 | 26127.46 1530 | Services d'agence ou de représentation | 609 | 0 | 4493.93 | 79122.21 | 12052.51 | 0.007 | 0 | 936.37 | 791 | 98005.027 1540 | Services d'enseignement | 29380 | 0 | 1517.95 | 110590.67 | 22458.19 | 10435.21 | 0 | 0 | 5779 | 180161.02 1550 | Autres services | 36617 | 43609.47 | 3503.82 | 1858405.71 | 104642.03 | 355321.79 | 0 | 55992.24 | 17870 | 2475962.06 1560 | Crédit à la consommation | 2566564 | 363721.41 | 256841.12 | 2224212.22 | 556066.58 | 276288.34 | 226953.91 | 27963.63 | 582009 | 7080620.21 Total | 9719614 | 1586420.8299999996 | 1351575.2999999998 | 20396792.02 | 19002971.82 | 4693638.757 | 2549159.6100000003 | 1564585.9100000001 | 2650197 | 63514955.24700002 (1) Commerce de gros Import-export | 7051 | 12354.65 | 17991.14 | 751323.52 | 1184649.14 | 218598 | 0 | 0 | 24814 | 2216781.45 Produits pétroliers | 371371 | 0 | 0 | 25307.97 | 3431.69 | 7198 | 0 | 0 | 0 | 407308.66 Produits pharmaceutiques | 0 | 0 | 0 | 120078.04 | 61972.39 | 54489 | 0 | 0 | 0 | 236539.43 Produits alimentaires | 382054 | 48593.18 | 46781.81 | 1556738.5 | 687779.46 | 173069 | 0 | 85062.68 | 5863 | 2985941.6300000004 Matériaux de construction | 0 | 74884.4 | 0 | 0 | 512814.61 | 56887 | 0 | 0 | 0 | 644586.01 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 37257 | 0 | 43665.84 | 1032955.83 | 298603.46 | 20740 | 0 | 151590.72 | 51781 | 1636593.8499999999 S-Total | 797733 | 135832.22999999998 | 108438.79 | 3486403.8600000003 | 2749250.7499999995 | 530981 | - | 236653.4 | 82458 | 8127751.03 (2) Commerce de détail Produits pétroliers | 19047 | 7958.21 | 6522.86 | 84717.35 | 85151.88 | 22349 | 0 | 0 | 0 | 225746.30000000002 Produits pharmaceutiques | 0 | 0 | 0 | 9621.76 | 4341.83 | 6046 | 0 | 0 | 1267 | 21276.59 Véhicules automobiles | 14326 | 1224.18 | 0 | 848353.66 | 939816.68 | 114582 | 0 | 173283.74 | 1551 | 2093137.26 Produits alimentaires | 18949 | 5302.76 | 22367.27 | 453381.31 | 385670.83 | 164731 | 0 | 0 | 6332 | 1056734.17 Librairie ,papeterie | 1988 | 1751.69 | 0 | 43005.47 | 21486.67 | 7047 | 0 | 0 | 0 | 75278.83 Appareils électro- ménagers électroni.équip. inform. | 14657 | 0 | 0 | 265866.58 | 131818.1 | 113858 | 0 | 2426.45 | 0 | 528626.13 Matériaux de construction | 0 | 0 | 0 | 0 | 232539.59 | 699 | 0 | 23093.56 | 978 | 257310.15 Autres | 150414 | 462844.95 | 59948.71 | 562781.09 | 849786.86 | 86526 | 0 | 116124.83 | 4601 | 2293027.44 S-Total | 219381 | 479081.79000000004 | 88838.84 | 2267727.22 | 2650612.44 | 515838 | - | 314928.58 | 14729 | 6551136.869999999 [Secteur d'activité juin 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | - | - | - | 0.00011448908228853922 | 0.00537530239835929 | - | - | - | - | 0.0016449973017171411 200 | Industrie alimentaire | 0.0004584544201035144 | 0.014726710314311747 | 1.4361020063033115e-05 | 0.010557336162905093 | 0.05360852500595878 | 0.05178394686585378 | - | 0.2495299411203313 | 0.04034303864957964 | 0.031524519102838745 210 | Industrie des boissons | 0.00039744376679979264 | - | 0.007058482054237009 | 0.03231170859386936 | 0.0521931569122329 | 0.01960688812336735 | - | 0.13235829920007394 | 0.03126333627273746 | 0.03221683668110038 220 | Industrie du bois | 0.001168462039747669 | - | 0.00048601065734184403 | 0.00018796387178144107 | - | - | - | - | - | 0.00024951194468091087 230 | Industrie chimique | - | - | - | 0.0343535198727785 | 0.004545429568499986 | 0.014311787395188324 | - | - | - | 0.013449629723864893 240 | Industrie du textile | 0.023469964959513825 | 0.000779099704584691 | - | 0.029391557231753348 | 0.0147653605266463 | 0.01420269080158356 | - | - | 0.0022337962045840365 | 0.018610049954429112 250 | Industrie pharmacie | - | - | 0.006618920899190745 | - | 0.0007675662595388725 | 0.0001114657576107108 | - | - | - | 0.0003787326922683487 260 | Imprimerie, édition | 0.00955624369445124 | 0.0035859022350330596 | - | 0.007525987412602936 | 0.008524686114069077 | 0.014156596500082972 | - | - | 0.0016972323189559115 | 0.007636249889712527 270 | Sidérurgie, aciérie | 0.04849338667152831 | - | 0.01189595577841649 | 0.03542200799476505 | 0.023693697715539735 | 0.013843204252371908 | - | 0.1292458718358265 | 0.018341278025746765 | 0.031110162044762357 280 | Industrie de la fabrication | 0.0005590756999197705 | 0.00017269692556923883 | - | 0.023966039832179455 | 0.018613593355315518 | 0.025629219935299763 | - | - | 0.0032337218704873638 | 0.015384033354036753 290 | Autres industries | - | - | - | 0.0027276867825806266 | 0.0023641817935401224 | 0.000310015336785323 | - | - | 0.000881443907754782 | 0.0016429774624603692 300 | Production et distribution de l'électricité | 0.31648767121821914 | - | 0.3904720291943779 | 0.0410006578083449 | 0.0048055762469683015 | 0.0004320102387462027 | - | 0.042841770190810424 | - | 0.0724325441482114 400 | Production et distribution de gaz | - | 0.0048188852890944465 | 0.0007478384667136194 | 5.8239550554577855e-06 | 0.07663505970509826 | 0.01962113293500742 | - | 0.001396222467579297 | - | 0.024550867176650525 500 | Traitement et distribution de l'eau | - | 0.001811600015362885 | - | 0.011119132840969177 | 0.00432516033694776 | - | - | - | - | 0.004910022982575115 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0031841799478868195 | 0.09533477948597033 | 0.12816186415954778 | 0.04354178780315867 | 0.033207132862021996 | 0.0543229428595755 | - | - | 0.03585922103149313 | 0.035024251396368125 700 | Commerce de gros(1) | 0.08207455563564561 | 0.08562181448411771 | 0.08023141588929601 | 0.17092902926016107 | 0.14467477855787297 | 0.11312780286043646 | - | 0.15125625156626904 | 0.031113913418511906 | 0.12796594185404697 800 | Commerce de détail(2) | 0.022570752295307202 | 0.30198909453300615 | 0.06572984871801076 | 0.11118058260222434 | 0.13948410096626665 | 0.10990147872600754 | - | 0.2012855784953349 | 0.0055577000502226815 | 0.10314318390879174 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0002075185290280046 | 0.0014310263437476427 | 6.712907523539386e-05 | 0.000481513955251871 | 0.0008603770060213665 | 0.00299770619948458 | - | - | 0.002461326459882039 | 0.0008051985520751128 1000 | Hotels,motels et pensions | 0.011398189269656182 | - | - | 0.051730207326985335 | 0.002282063058913698 | 0.11900909697554722 | - | - | - | 0.027833885155472908 1100 | Transport | 0.004372601628007038 | 0.03078019342446481 | - | 0.002510657065571236 | 0.016353673148792786 | 0.007515037229355314 | - | 0.0026637016052381553 | - | 0.007757992398542607 1200 | Immobilier résidentiel | 0.06451429038231353 | 0.09675918715716815 | 0.04164046205934661 | 0.009513481326363989 | 0.041714766380156636 | 0.1151546290591532 | 0.560745986399808 | 0 | 0.32042146300822166 | 0.07309600190923989 1300 | Immobilier commercial | 0.04266784668609268 | 0.07323864374624987 | 0.05493366888252546 | 0.042964568111529926 | 0.17263371229900606 | 0.0009493039900769678 | 0.35022313883280143 | 0.013609326189061742 | 0.004239684823430108 | 0.08961356483469834 1400 | Télécommunications | 0.0591393855764231 | 0.0007223934395768116 | 0.0010396978991847514 | 0.00626151454967868 | 0.058439262580561986 | 0.0008745879716196488 | - | 0.010734412148707129 | 0.13426133981737962 | 0.03451654215096922 1500 | Services financiers | 0.0031308856503972277 | 0.014291403372458244 | 0.004117743199361516 | 0.07599272270267528 | 0.07293955930309852 | 0.13825606817998243 | - | 0.010820025855914808 | 0.12692037610788934 | 0.06292945739245856 1510 | Services professionnels | 0.035004785169452206 | 0.0169686375083716 | 0.009713184311669502 | 0.04652888204524625 | 0.010593969296324515 | 0.023468376179509205 | - | - | 0.01166932118631181 | 0.026320028149259534 1520 | Services médicaux | 0.00023128490493552523 | 0.00020700686336802578 | - | 0.0002202223759302714 | - | 0.0036233955957169113 | - | - | 0.000670138861375211 | 0.0004113591814462322 1530 | Services d'agence ou de représentation | 6.265680921073614e-05 | - | 0.003324957181445977 | 0.0038791497173877643 | 0.0006342434285628489 | - | - | 0.0005984778426133212 | 0.00029846837801114406 | 0.0015430228458616292 1540 | Services d'enseignement | 0.0030227537842552185 | - | 0.0011230968781391613 | 0.005421963899595619 | 0.0011818251488624266 | 0.0022232665401522717 | - | - | 0.0021805926125491805 | 0.0028365133738877894 1550 | Autres services | 0.0037673306779466755 | 0.027489219238252195 | 0.0025923971827540803 | 0.09111264693868266 | 0.00550661396497298 | 0.07570284131263405 | - | 0.0357872582401052 | 0.006742894962148097 | 0.038982347549035644 1560 | Crédit à la consommation | 0.26406028058315895 | 0.22927170591929258 | 0.1900309364931425 | 0.10904715887768317 | 0.029262085176317437 | 0.058864423596287435 | 0.08903087476739048 | 0.017872863242134142 | 0.21960971203272814 | 0.11147957488853676 Total | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 1 | 0.9999854591164675 | 0.999999915417436 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999993 (1) Commerce de gros Import-export | 0.0007254403312724147 | 0.00778775074454866 | 0.01331123763507664 | 0.03683537682118308 | 0.06234020400710145 | 0.0465732476053866 | - | - | 0.009363077537254778 | 0.03490172419045678 Produits pétroliers | 0.03820841033399063 | - | - | 0.0012407818825227205 | 0.0001805870172573881 | 0.001533564974352797 | - | - | - | 0.006412799291380091 Produits pharmaceutiques | - | - | - | 0.005887104201594932 | 0.0032611946482379198 | 0.011609116683455066 | - | - | - | 0.003724153297127173 Produits alimentaires | 0.03930752805615532 | 0.03063069967380598 | 0.03461280329701202 | 0.07632271283021104 | 0.0361932579027526 | 0.03687309760298198 | - | 0.054367535496980146 | 0.002212288369506116 | 0.0470116308574591 Matériaux de construction | - | 0.04720336406576306 | - | - | 0.02698602170531451 | 0.012120020935816557 | - | - | - | 0.010148570639675378 Appareils électroménagers électron.,équipe.inform. | - | - | - | - | - | - | - | - | - | - Autres | 0.0038331769142272523 | - | 0.032307367558433484 | 0.05064305352464931 | 0.01571351380344256 | 0.004418746536270771 | - | 0.0968887160692889 | 0.019538547511751013 | 0.025767062948175507 S-Total | 0.08207455563564563 | 0.08562181448411771 | 0.08023140849052214 | 0.1709290292601611 | 0.14467477908410642 | 0.11312779433826375 | - | 0.15125625156626904 | 0.031113913418511906 | 0.12796594122427402 (2) Commerce de détail Produits pétroliers | 0.001959645722556472 | 0.005016455816455714 | 0.00482611660630377 | 0.004153464423078429 | 0.004480977018046223 | 0.00476155093245494 | - | - | - | 0.0035542227672539 Produits pharmaceutiques | - | - | - | 0.00047172908320903693 | 0.0002284816312483486 | 0.0012881264010748835 | - | - | 0.00047807766743377945 | 0.00033498551510047626 Véhicules automobiles | 0.0014739268452430314 | 0.0007716615773382151 | - | 0.04159250430990079 | 0.04945630025146246 | 0.024412189759834984 | - | 0.11075373930729056 | 0.000585239512383419 | 0.032955030069061794 Produits alimentaires | 0.0019495630176260086 | 0.0033425935286036314 | 0.016549037260447128 | 0.022228069470701012 | 0.020295290318438203 | 0.03509665070715624 | - | 0 | 0.0023892563458490067 | 0.016637564584443477 Librairie ,papeterie | 0.000204534871446541 | 0.001104177382744023 | - | 0.0021084428354140763 | 0.0011307005137683773 | 0.0015013937724734873 | - | - | - | 0.0011852142492622731 Appareils électro- ménagers électroni.équip. inform. | 0.001507981695569392 | - | - | 0.013034725251858503 | 0.006936709755116608 | 0.02425793843426796 | - | 0.0015508576323558989 | - | 0.008322860780492613 Matériaux de construction | - | - | - | - | 0.012237011779139712 | 0.00014892496763998405 | - | 0.014760173827719054 | 0.0003690291702843223 | 0.00405117423131859 Autres | 0.015475305912354133 | 0.2917542062278646 | 0.04435469485125987 | 0.027591647228062482 | 0.044718629699046726 | 0.018434737839795795 | - | 0.07422080772796937 | 0.0017360973542721542 | 0.03610216571959728 S-Total | 0.022570958064795577 | 0.30198909453300615 | 0.06572984871801077 | 0.11118058260222433 | 0.13948410096626665 | 0.10990151281469829 | - | 0.20128557849533485 | 0.0055577000502226815 | 0.10314321791653042 [Secteur d'activité mars 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2536.15 | 86000 | 0 | 0 | 0 | 0 | 88536.15 200 | Industrie alimentaire | 4894 | 24662.36 | 9580.29 | 220293.25 | 901241.26 | 251083.42 | 0 | 376663.35 | 109891 | 1898308.9299999997 210 | Industrie des boissons | 2639 | 0 | 10266.2 | 695265.44 | 969949.02 | 93272.6 | 0 | 163502.78 | 85416 | 2020311.04 220 | Industrie du bois | 0 | 0 | 10715.67 | 4091.62 | 0 | 0 | 0 | 0 | 0 | 14807.29 230 | Industrie chimique | 0 | 0 | 0 | 756434.96 | 93637.8 | 59122.87 | 0 | 0 | 0 | 909195.63 240 | Industrie du textile | 232262 | 1235.98 | 0 | 594387.79 | 306895.05 | 54415.37 | 0 | 0 | 6100 | 1195296.1900000002 250 | Industrie pharmacie | 0 | 0 | 10023.24 | 0 | 58413.38 | 662.79 | 0 | 0 | 0 | 69099.40999999999 260 | Imprimerie, édition | 21334 | 7500 | 0 | 161548.47 | 125212.96 | 48147.91 | 0 | 0 | 10302 | 374045.33999999997 270 | Sidérurgie, aciérie | 162603 | 0 | 57012.06 | 748785.75 | 447339.41 | 64975 | 0 | 171551.56 | 48843 | 1701109.78 280 | Industrie de la fabrication | 834 | 4241.34 | 0 | 395786.68 | 413771.6 | 105401.78 | 0 | 0 | 5619 | 925654.4 290 | Autres industries | 0 | 0 | 0 | 46196.71 | 39678.14 | 323.77 | 0 | 0 | 2139 | 88337.62000000001 300 | Production et distribution de l'électricité | 3027586 | 0 | 572356.69 | 723198.2 | 86204.89 | 571.5 | 0 | 64651.93 | 0 | 4474569.209999999 400 | Production et distribution de gaz | 0 | 9637.14 | 1162.1 | 3360.81 | 1151241.76 | 95899.4 | 0 | 1995.99 | 0 | 1263297.2 500 | Traitement et distribution de l'eau | 0 | 199.88 | 0 | 211530.32 | 81448.05 | 0 | 0 | 0 | 0 | 293178.25 600 | Entrep/ batiment et corps/ métiers corresp. | 30112 | 179015.84 | 162161.79 | 1160667.34 | 437801.33 | 169746.97 | 0 | 0 | 74691 | 2214196.2700000005 700 | Commerce de gros(1) | 1307015 | 138174.83 | 103838.16 | 3403948.79 | 3219312.36 | 591230.86 | 0 | 354931.37 | 86556 | 9205007.37 800 | Commerce de détail(2) | 201776 | 388422.66 | 88975.98 | 2111090.27 | 2701779.43 | 547034.75 | 0 | 351521.27 | 13357 | 6403957.359999999 900 | Rest/débits/boissons, casinos/activités/loterie | 2150 | 2270.21 | 0 | 9040.86 | 13679.53 | 10382.48 | 0 | 0 | 3736 | 41259.08 1000 | Hotels,motels et pensions | 111251 | 0 | 0 | 885670.97 | 46050.21 | 468974.71 | 0 | 0 | 0 | 1511946.89 1100 | Transport | 29367 | 47883.47 | 0 | 36249.71 | 377299.79 | 12586.82 | 0 | 5201.87 | 0 | 508588.66 1200 | Immobilier résidentiel / Avance Hypothécaire | 570890 | 118697.52 | 54659.22 | 170782.16 | 731228.39 | 502778.7 | 1354880.93 | 202.61 | 834829 | 4338948.529999999 1300 | Immobilier commercial | 423569 | 112034.09 | 30608.18 | 895753.64 | 3046846.81 | 693.43 | 892757.23 | 52785.33 | 12146 | 5467193.710000001 1400 | Télécommunications | 564404 | 1125.73 | 1559.98 | 128146.99 | 1156419.56 | 4296.41 | 0 | 19193.42 | 349552 | 2224698.09 1500 | Services financiers | 36793 | 8095.99 | 0 | 1511774.37 | 1315701.96 | 618389.37 | 0 | 35.31 | 241787 | 3732577.0000000005 1510 | Services professionnels | 329690 | 25741.25 | 13600.84 | 77568.99 | 275104.57 | 115162.01 | 0 | 0 | 66790 | 903657.66 1520 | Services médicaux | 2180 | 348.8 | 0 | 6381.32 | 121.8 | 15203.76 | 0 | 0 | 1946 | 26181.68 1530 | Services d'agence ou de représentation | 2449 | 0 | 4529.33 | 76546.31 | 12802.24 | 0 | 0 | 834.39 | 794 | 97955.27 1540 | Services d'enseignement | 29522 | 0 | 25.38 | 56066.12 | 6678.19 | 8924.4 | 0 | 0 | 6016 | 107232.09 1550 | Autres services | 35360 | 52706.3 | 6556.31 | 1596491.18 | 90280.97 | 367979.22 | 0 | 47047.87 | 18687 | 2215108.85 1560 | Crédit à la consommation | 1978357 | 308143.22 | 251015.88 | 2195166.57 | 531887.29 | 289210.16 | 224543.78 | 30837.52 | 566161 | 6375322.42 Total | 9107037 | 1430136.61 | 1388647.2999999998 | 18884761.740000002 | 18724027.75 | 4496470.46 | 2472181.94 | 1640956.5700000003 | 2545358 | 60689577.37 (1) Commerce de gros Import-export | 262267 | 43109.29 | 12255.43 | 697219.12 | 1115007.73 | 230503 | 0 | 0 | 27345 | 2387706.57 Produits pétroliers | 511691 | 0 | 0 | 153061.97 | 5221.85 | 18501 | 0 | 0 | 0 | 688475.82 Produits pharmaceutiques | 0 | 0 | 0 | 101636.14 | 71979.02 | 46974 | 0 | 0 | 0 | 220589.16 Produits alimentaires | 483428 | 21899.12 | 44678.9 | 1547885.85 | 759513.39 | 231412 | 0 | 109652.05 | 5919 | 3204388.31 Matériaux de construction | 0 | 73166.42 | 0 | 0 | 554060.65 | 42011 | 0 | 0 | 0 | 669238.0700000001 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 49628 | 0 | 46903.82 | 904145.71 | 713529.71 | 21830 | 0 | 245279.32 | 53292 | 2034608.56 S-Total | 1307014 | 138174.83000000002 | 103838.15 | 3403948.79 | 3219312.35 | 591231 | - | 354931.37 | 86556 | 9205006.49 (2) Commerce de détail Produits pétroliers | 19960 | 8058.21 | 6451.73 | 81739.62 | 81979.81 | 23163 | 0 | 0 | 0 | 221352.37 Produits pharmaceutiques | 0 | 0 | 0 | 9031.03 | 130.01 | 2431 | 0 | 0 | 1534 | 13126.04 Véhicules automobiles | 47080 | 1202.5 | 0 | 869775.24 | 1057402.49 | 162575 | 0 | 212513.55 | 259 | 2350807.78 Produits alimentaires | 15139 | 5270.81 | 23967.87 | 394687.72 | 400432.25 | 173194 | 0 | 7690.94 | 6810 | 1027192.5899999999 Librairie ,papeterie | 2086 | 1720.66 | 0 | 45617.3 | 26366.81 | 8374 | 0 | 0 | 0 | 84164.77 Appareils électro- ménagers électroni.équip. inform. | 14550 | 0 | 0 | 253971.43 | 160806.82 | 122080 | 0 | 0.16 | 0 | 551408.41 Matériaux de construction | 0 | 0 | 0 | 0 | 226754.27 | 1741 | 0 | 19392.7 | 0 | 247887.97 Autres | 102961 | 372170.47 | 58556.38 | 456267.93 | 747906.96 | 53477 | 0 | 111923.93 | 4754 | 1908017.67 S-Total | 201776 | 388422.64999999997 | 88975.98 | 2111090.27 | 2701779.42 | 547035 | - | 351521.28 | 13357 | 6403957.6 [Secteur d'activité mars 13 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | - | - | - | 0.00013429610788407012 | 0.004593028869015642 | - | - | - | - | 0.0014588361599592401 200 | Industrie alimentaire | 0.0005373866384862607 | 0.017244758177332443 | 0.006899008841193874 | 0.011665132609716472 | 0.048132873548000374 | 0.055840113314121496 | - | 0.22953889023400534 | 0.04317310177978893 | 0.031278994059009045 210 | Industrie des boissons | 0.0002897759172385047 | - | 0.00739294995928772 | 0.03681621455288744 | 0.05180237035271431 | 0.02074351445867166 | - | 0.09963870037096714 | 0.033557558504540425 | 0.033289258675883907 220 | Industrie du bois | - | - | 0.0077166246605599575 | 0.0002166625163892589 | - | - | - | - | - | 0.0002439840684624626 230 | Industrie chimique | - | - | - | 0.040055308635310316 | 0.0050009432398966614 | 0.013148728658611048 | - | - | - | 0.014981083563278076 240 | Industrie du textile | 0.025503574872925188 | 0.0008642391162897368 | - | 0.03147446593096387 | 0.01639043981869766 | 0.012101796394321247 | - | - | 0.002396519467988393 | 0.01969524656124657 250 | Industrie pharmacie | - | - | 0.007217988325761337 | - | 0.0031197016357765225 | 0.0001474022804989138 | - | - | - | 0.0011385712834796758 260 | Imprimerie, édition | 0.002342584091840189 | 0.00524425425344506 | - | 0.008554435169696771 | 0.006687287675056987 | 0.010707934240493154 | - | - | 0.004047367796592856 | 0.006163254980663247 270 | Sidérurgie, aciérie | 0.017854654592926327 | - | 0.04105582461435672 | 0.039650261957713206 | 0.023891195632307263 | 0.014450222808758316 | - | 0.1045436321328114 | 0.019189049241796242 | 0.0280296857173517 280 | Industrie de la fabrication | 9.157753504240732e-05 | 0.002965688711374223 | - | 0.020957991710410635 | 0.02209842911603247 | 0.02344100354659063 | - | - | 0.0022075480148568494 | 0.015252279552989084 290 | Autres industries | - | - | - | 0.0024462426709970235 | 0.0021191028196377248 | 7.200536573746333e-05 | - | - | 0.0008403533019716677 | 0.0014555649228110618 300 | Production et distribution de l'électricité | 0.3324446798667887 | - | 0.41216851103948426 | 0.03829533091053972 | 0.00460397149325951 | 0.0001270996896530262 | - | 0.03939892815079194 | - | 0.07372879172844368 400 | Production et distribution de gaz | - | 0.006738614991472737 | 0.0008368575663525216 | 0.0001779641197633664 | 0.0614847283592602 | 0.021327705998095223 | - | 0.0012163576029315631 | - | 0.02081571918516064 500 | Traitement et distribution de l'eau | - | 0.00013976287202381317 | - | 0.01120111139935409 | 0.004349921453198017 | - | - | - | - | 0.004830784175882621 600 | Entrep/ batiment et corps/ métiers corresp. | 0.00330645411894121 | 0.1251739440472054 | 0.1167768014239469 | 0.06146052335633015 | 0.023381792413760975 | 0.03775115871660814 | - | - | 0.02934400583336411 | 0.036483962583903566 700 | Commerce de gros(1) | 0.14351704072356355 | 0.0966165253262064 | 0.07477648212040597 | 0.1802484371719693 | 0.17193482102161486 | 0.13148776696289027 | - | 0.21629540750124784 | 0.0340054326346235 | 0.15167361133330626 800 | Commerce de détail(2) | 0.022156053609972158 | 0.2715982915785926 | 0.06407385086191433 | 0.11178802777948099 | 0.14429477813607705 | 0.12165869983275727 | - | 0.21421729034547207 | 0.005247591890806716 | 0.10551988722804315 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00023608117546903564 | 0.0015874077931618015 | - | 0.00047873836718047996 | 0.0007305869326112274 | 0.002309028846594491 | - | - | 0.0014677699561319077 | 0.0006798379851693471 1000 | Hotels,motels et pensions | 0.01221593807074683 | - | - | 0.04689871030377108 | 0.0024594179529561955 | 0.10429840786722304 | - | - | - | 0.02491279319317494 1100 | Transport | 0.003224649246511242 | 0.03348174549562786 | - | 0.0019195217021573075 | 0.020150567764459757 | 0.0027992666941706094 | - | 0.003170022958011618 | - | 0.008380164799951382 1200 | Immobilier résidentiel | 0.06268668942489199 | 0.08299732988445069 | 0.03936148509416323 | 0.009043384414973297 | 0.03905294308271894 | 0.11181630224698508 | 0.5480506543947975 | 0.00012347066564960947 | 0.32798097556414463 | 0.07149412993185257 1300 | Immobilier commercial | 0.04651007786615998 | 0.07833803373511289 | 0.02204172362557433 | 0.047432615371720326 | 0.1627238995092816 | 0.00015421651407891156 | 0.36112116812891204 | 0.03216741440024826 | 0.00477182384560443 | 0.09008455729834325 1400 | Télécommunications | 0.06197449291136074 | 0.0007871485787640944 | 0.001123381005385601 | 0.006785735068532561 | 0.06176126074156241 | 0.0009555072224359726 | - | 0.011696482619281018 | 0.13732920870070142 | 0.03665700415801067 1500 | Services financiers | 0.004040062646061502 | 0.005660990665779823 | - | 0.08005260488925818 | 0.07026810564302864 | 0.13752772880442765 | - | - | 0.09499135288631305 | 0.061502768049346866 1510 | Services professionnels | 0.036201675693202956 | 0.017999154640199022 | 0.009794308461190974 | 0.004107491059084974 | 0.01469259572102482 | 0.02561164607317358 | - | - | 0.02623992381425324 | 0.01488983280425174 1520 | Services médicaux | 0.0002393753314058129 | 0.00024389278448021828 | - | 0.0003379084199131653 | - | 0.003381265402553095 | - | - | 0.0007645289974926907 | 0.00043140323486487317 1530 | Services d'agence ou de représentation | 0.0002689129296389155 | - | 0.003261684950527035 | 0.004053337344355608 | 0.000683733231489149 | - | - | 0.0005084778081603951 | 0.00031194040288242363 | 0.0016140377680142017 1540 | Services d'enseignement | 0.003241669052184591 | - | - | 0.002968855036240452 | 0.00035666417979966943 | 0.0019847567285030043 | - | - | 0.002363518216298061 | 0.001766894657154209 1550 | Autres services | 0.003882711797481442 | 0.036854031727780186 | 0.004721364453018417 | 0.08453859264840266 | 0.004821663971310873 | 0.08183734848777367 | - | 0.028671002548227097 | 0.007341599884967066 | 0.036498999432725825 1560 | Crédit à la consommation | 0.21723388188716045 | 0.2154641856207009 | 0.18076287621774084 | 0.1162400987750031 | 0.028406670674796453 | 0.06431937284427305 | 0.09082817747629043 | 0.018792404725251195 | 0.22242882926488142 | 0.10504806090726614 Total | 1 | 1 | 0.9999817232208641 | 0.9999999999999998 | 0.9999934949893459 | 1 | 1 | 0.9999784820630566 | 1 | 1 (1) Commerce de gros Import-export | 0.028798279835691894 | 0.03014347699273288 | 0.008825444733158666 | 0.036919667274552544 | 0.05954956619843719 | 0.05126309670007262 | - | - | 0.010743086041334853 | 0.03934294278312586 Produits pétroliers | 0.056186331514849454 | - | - | 0.008105051687032827 | 0.0002788849744147597 | 0.0041145605569040036 | - | - | - | 0.01134421839523843 Produits pharmaceutiques | - | - | - | 0.005381912750570926 | 0.00384420600957505 | 0.010446860580509629 | - | - | - | 0.0036347124095980504 Produits alimentaires | 0.053082907206811615 | 0.015312607094227172 | 0.03217440454462411 | 0.08196480693327508 | 0.04056356891481321 | 0.051465255261567984 | - | 0.06682203051845545 | 0.0023254096280366063 | 0.05279964779560303 Matériaux de construction | - | 0.05116044123924637 | - | - | 0.029590890239948507 | 0.009343105970276962 | - | - | - | 0.011027232335462218 Appareils électroménagers électron.,équipe.inform. | - | - | - | - | - | - | - | - | - | - Autres | 0.005449412361012698 | - | 0.033776625641370565 | 0.04787699852653793 | 0.038107704150353014 | 0.004854919029091098 | - | 0.1494733769827924 | 0.020936936965252038 | 0.0335248431142601 S-Total | 0.14351693091836568 | 0.09661652532620642 | 0.07477647491915335 | 0.1802484371719693 | 0.17193482048754172 | 0.1314877980984223 | - | 0.21629540750124784 | 0.034005432634623495 | 0.15167359683328768 (2) Commerce de détail Produits pétroliers | 0.0021917117499357913 | 0.005634573609020469 | 0.004646053753174042 | 0.004328337371970465 | 0.004378321325656014 | 0.00515137377328617 | - | - | - | 0.0036472880450378396 Produits pharmaceutiques | - | - | - | 0.0004782178416829737 | - | 0.0005406462739221465 | - | - | 0.000602665715392491 | 0.00021628161817598108 Véhicules automobiles | 0.005169628716782418 | 0.000840828765302358 | - | 0.04605698774360072 | 0.056473025148128186 | 0.036156136562276 | - | 0.12950589545462496 | 0.00010175385937852357 | 0.03873495057756076 Produits alimentaires | 0.0016623408908956886 | 0.0036855290348801013 | 0.01725986865059256 | 0.02089979876018282 | 0.021386010282963823 | 0.03851776666625761 | - | 0.004686863833331066 | 0.0026754586191804846 | 0.016925354146686816 Librairie ,papeterie | 0.00022905364280391085 | 0.0012031438031643703 | - | 0.002415561320182163 | 0.001408180459463376 | 0.0018623496083192328 | - | - | - | 0.0013868076471661877 Appareils électro- ménagers électroni.équip. inform. | 0.0015976656293369622 | - | - | 0.013448484735820658 | 0.008588260076681418 | 0.02715018392448196 | - | - | - | 0.009085718403314695 Matériaux de construction | - | - | - | - | 0.012110336142820553 | 0.0003871925803778104 | - | 0.0118179239807669 | - | 0.004084522923742351 Autres | 0.011305652980217386 | 0.2602342093738863 | 0.04216792845814773 | 0.024160640006041186 | 0.039943700681601475 | 0.01189310604300067 | - | 0.06820651566665166 | 0.0018677136968552163 | 0.03143896782090905 S-Total | 0.022156053609972158 | 0.2715982845862536 | 0.06407385086191433 | 0.11178802777948099 | 0.14428783411731486 | 0.1216587554319216 | - | 0.21421719893537455 | 0.005247591890806716 | 0.10551989118259368 [Secteur d'activité déc. 12 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2012 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2807.37 | 86000 | 0 | 0 | 0 | 0 | 88807.37 200 | Industrie alimentaire | 0 | 23669.15 | 9422.4 | 205235.4 | 933491.98 | 82038.22 | 0 | 248824.88 | 89575 | 1592257.0299999998 210 | Industrie des boissons | 121 | 0 | 10188.89 | 704625.68 | 843649.79 | 94221.54 | 0 | 166646.93 | 87979 | 1907432.83 220 | Industrie du bois | 7691 | 0 | 8770.79 | 4050.49 | 0 | 0 | 0 | 0 | 0 | 20512.28 230 | Industrie chimique | 0 | 0 | 0 | 777609.97 | 46191.28 | 68317.83 | 0 | 0 | 0 | 892119.08 240 | Industrie du textile | 235000 | 1235.98 | 0 | 606753.36 | 339788.7 | 72412.68 | 0 | 0 | 5584 | 1260774.72 250 | Industrie pharmacie | 0 | 0 | 7868.15 | 0 | 55872.54 | 800.03 | 0 | 0 | 0 | 64540.72 260 | Imprimerie, édition | 45715 | 7500 | 0 | 117188.85 | 116685.12 | 18180.89 | 0 | 0 | 4158 | 309427.86 270 | Sidérurgie, aciérie | 33446 | 27268.5 | 55416.92 | 779215.55 | 478928.77 | 64975 | 0 | 155514.84 | 49253 | 1644018.5800000003 280 | Industrie de la fabrication | 834 | 7269.81 | 0 | 353413.51 | 426639.71 | 108889.36 | 0 | 0 | 4362 | 901408.39 290 | Autres industries | 0 | 0 | 0 | 45820.03 | 43162.68 | 401.03 | 0 | 0 | 2152 | 91535.73999999999 300 | Production et distribution de l'électricité | 2932357 | 0 | 612647 | 881271.85 | 0 | 621.416 | 0 | 8.98 | 0 | 4426906.246 400 | Production et distribution de gaz | 0 | 9922.89 | 0 | 570.17 | 761473.8 | 83870.4 | 0 | 2899.71 | 0 | 858736.9700000001 500 | Traitement et distribution de l'eau | 0 | 4468.82 | 0 | 22498.05 | 80073.86 | 1.669 | 0 | 0 | 0 | 107042.39899999999 600 | Entrep/ batiment et corps/ métiers corresp. | 50999 | 195010.4 | 172683.25 | 1190500.87 | 658595.93 | 280157.84 | 0 | 0 | 100820 | 2648767.29 700 | Commerce de gros(1) | 1073011 | 110234.53 | 71054.72 | 3337075.04 | 3071820.82 | 693017.99 | 0 | 360174.67 | 90502 | 8806890.77 800 | Commerce de détail(2) | 158199 | 362452.93 | 90162.8 | 2140767.98 | 2606572.31 | 537789.41 | 0 | 336590.43 | 13810 | 6246344.859999999 900 | Rest/débits/boissons, casinos/activités/loterie | 2366 | 2270.21 | 66.74 | 8281.27 | 17874.94 | 6349.61 | 0 | 0 | 3896 | 41104.77 1000 | Hotels,motels et pensions | 113295 | 0 | 0 | 862656.56 | 25925.79 | 479815.27 | 0 | 0 | 0 | 1481692.62 1100 | Transport | 19135 | 47764.1 | 0 | 27478.62 | 394571.57 | 27042.65 | 0 | 5003.01 | 0 | 520994.95000000007 1200 | Immobilier résidentiel / Avance Hypothécaire | 527424 | 128927.44 | 53350.76 | 178340.98 | 730279.11 | 461049.65 | 1332398.29 | 0 | 797905 | 4209675.23 1300 | Immobilier commercial | 401611 | 64366.54 | 30891.76 | 895767.49 | 2899186.07 | 4522.81 | 821836.59 | 71347.84 | 12987 | 5202517.099999999 1400 | Télécommunications | 557417 | 1113.6 | 1377.28 | 128927.86 | 937495.52 | 4637.39 | 0 | 0 | 345835 | 1976803.65 1500 | Services financiers | 24136 | 343.65 | 4.65 | 1716469.61 | 1427916.37 | 684395.11 | 0 | 24242.52 | 273223 | 4150730.91 1510 | Services professionnels | 351940 | 23308.19 | 20776.08 | 106060.28 | 273034.3 | 105199.04 | 0 | 0 | 27202 | 907519.8900000001 1520 | Services médicaux | 2167 | 359.1 | 0 | 7404.5 | 353.95 | 15237.96 | 0 | 0 | 2132 | 27654.510000000002 1530 | Services d'agence ou de représentation | 683 | 0 | 4587.53 | 75707.59 | 15383.62 | 648.39 | 0 | 1051.64 | 4244 | 102305.76999999999 1540 | Services d'enseignement | 29315 | 0 | 65.05 | 64862.33 | 5589.87 | 9509.15 | 0 | 0 | 2470 | 111811.4 1550 | Autres services | 16281 | 55632.46 | 6397.39 | 1690717.78 | 69924.42 | 325819.83 | 279959.35 | 39361.42 | 20816 | 2504909.65 1560 | Crédit à la consommation | 1580707 | 301166.18 | 261587.6 | 2182565.18 | 539421.65 | 252055.54 | 180343.39 | 31154.37 | 592877 | 5921877.91 Total | 8163850 | 1374284.48 | 1417319.76 | 19114644.22 | 17885904.470000003 | 4481977.705 | 2614537.62 | 1442821.24 | 2531782 | 59027121.49499999 (1) Commerce de gros Import-export | 150171 | 19236.6 | 1808.02 | 659451.33 | 1071843.22 | 236266 | 0 | 0 | 29677 | 2168453.17 Produits pétroliers | 519715 | 0 | 0 | 0 | 5692.13 | 15443 | 0 | 0 | 0 | 540850.13 Produits pharmaceutiques | 0 | 0 | 0 | 105502.98 | 68012.05 | 49619 | 0 | 0 | 0 | 223134.03 Produits alimentaires | 344113 | 22122.73 | 38594.8 | 1588533.53 | 851680.46 | 208861 | 0 | 116820.24 | 6351 | 3177076.7600000002 Matériaux de construction | 0 | 68875.2 | 0 | 0 | 452335.17 | 156203 | 0 | 0 | 0 | 677413.37 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 26625 | 0 | 243354.43 | 0 | 269979.43 Autres | 59011 | 0 | 30651.91 | 983587.2 | 622257.8 | 0 | 0 | 0 | 54474 | 1749981.91 S-Total | 1073010 | 110234.53 | 71054.73 | 3337075.04 | 3071820.83 | 693017 | - | 360174.67 | 90502 | 8806888.799999999 (2) Commerce de détail Produits pétroliers | 17264 | 6014.46 | 9518.01 | 71977.56 | 83588.3 | 25837 | 0 | 0 | 0 | 214199.33000000002 Produits pharmaceutiques | 0 | 0 | 0 | 2584.35 | 183.73 | 5136 | 0 | 0 | 709 | 8613.08 Véhicules automobiles | 14825 | 1189.54 | 0 | 903031.35 | 1087984.87 | 156207 | 0 | 154823.55 | 866 | 2318927.31 Produits alimentaires | 27971 | 5251.7 | 20676.91 | 388390.94 | 385404.21 | 179208 | 0 | 5939.93 | 6993 | 1019835.6900000001 Librairie ,papeterie | 2134 | 1702.12 | 0 | 46345.11 | 19883 | 7979 | 0 | 0 | 0 | 78043.23000000001 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0 | 287864.9 | 78463.09 | 120586 | 0 | 0.16 | 0 | 486914.14999999997 Matériaux de construction | 0 | 0 | 0 | 0 | 218568.15 | 1905 | 0 | 18901.16 | 0 | 239374.31 Autres | 96006 | 348295.1 | 59967.87 | 404303.78 | 732496.97 | 40930 | 0 | 156925.63 | 5242 | 1844167.35 S-Total | 158200 | 362452.92 | 90162.79000000001 | 2104497.99 | 2606572.3200000003 | 537788 | - | 336590.43 | 13810 | 6210074.449999999 [Secteur d'activité déc. 12 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2012 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | - | - | - | 0.0001 | 0.0048 | - | - | - | - | 0.0015 200 | Industrie alimentaire | - | 0.0172 | 0.0066 | 0.0106 | 0.0522 | 0.0183 | - | 0.1725 | 0.0354 | 0.0269 210 | Industrie des boissons | - | - | 0.0072 | 0.0365 | 0.0472 | 0.021 | - | 0.1155 | 0.0347 | 0.0322 220 | Industrie du bois | 0.0009 | - | 0.0062 | 0.0002 | - | - | - | - | - | 0.0003 230 | Industrie chimique | - | - | - | 0.0403 | 0.0026 | 0.0152 | - | - | - | 0.0151 240 | Industrie du textile | 0.0288 | 0.0009 | - | 0.0314 | 0.019 | 0.0162 | - | - | 0.0022 | 0.0213 250 | Industrie pharmacie | - | - | 0.0056 | - | 0.0031 | 0.0002 | - | - | - | 0.0011 260 | Imprimerie, édition | 0.0056 | 0.0055 | - | 0.0061 | 0.0065 | 0.0041 | - | - | 0.0016 | 0.0052 270 | Sidérurgie, aciérie | 0.0041 | 0.0198 | 0.0391 | 0.0403 | 0.0268 | 0.0145 | - | 0.1078 | 0.0195 | 0.0278 280 | Industrie de la fabrication | 0.0001 | 0.0053 | - | 0.0183 | 0.0239 | 0.0243 | - | - | 0.0017 | 0.0152 290 | Autres industries | - | - | - | 0.0024 | 0.0024 | 0.0001 | - | - | 0.0008 | 0.0015 300 | Production et distribution de l'électricité | 0.3592 | - | 0.4323 | 0.0456 | 0 | 0.0001 | - | - | - | 0.0747 400 | Production et distribution de gaz | - | 0.0072 | - | 0 | 0.0426 | 0.0187 | - | 0.002 | - | 0.0145 500 | Traitement et distribution de l'eau | 0 | 0.0033 | - | 0.0115 | 0.0045 | - | - | - | - | 0.0052 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0062 | 0.1419 | 0.1218 | 0.0616 | 0.0368 | 0.0625 | - | - | 0.0398 | 0.0447 700 | Commerce de gros(1) | 0.1314 | 0.0802 | 0.0501 | 0.1728 | 0.1717 | 0.1546 | - | 0.2496 | 0.0357 | 0.1487 800 | Commerce de détail(2) | 0.0194 | 0.2637 | 0.0636 | 0.1108 | 0.1457 | 0.12 | - | 0.2333 | 0.0055 | 0.1055 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0003 | 0.0017 | - | 0.0004 | 0.001 | 0.0014 | - | - | 0.0015 | 0.0007 1000 | Hotels,motels et pensions | 0.0139 | - | - | 0.0447 | 0.0014 | 0.1071 | - | - | - | 0.025 1100 | Transport | 0.0023 | 0.0348 | - | 0.0014 | 0.0221 | 0.006 | - | 0.0035 | - | 0.0088 1200 | Immobilier résidentiel | 0.0646 | 0.0938 | 0.0376 | 0.0092 | 0.0408 | 0.1029 | 0.5096 | - | 0.3152 | 0.0711 1300 | Immobilier commercial | 0.0492 | 0.0468 | 0.0218 | 0.0464 | 0.1621 | 0.001 | 0.3143 | 0.0495 | 0.0051 | 0.0878 1400 | Télécommunications | 0.0683 | 0.0008 | 0.001 | 0.0067 | 0.0524 | 0.001 | - | - | 0.1366 | 0.0334 1500 | Services financiers | 0.003 | 0.0003 | - | 0.0889 | 0.0798 | 0.1527 | - | 0.0168 | 0.1079 | 0.0701 1510 | Services professionnels | 0.0431 | 0.017 | 0.0147 | 0.0055 | 0.0153 | 0.0235 | - | - | 0.0107 | 0.0153 1520 | Services médicaux | 0.0003 | 0.0003 | - | 0.0004 | - | 0.0034 | - | - | 0.0008 | 0.0005 1530 | Services d'agence ou de représentation | 0.0001 | - | 0.0032 | 0.0039 | 0.0009 | 0.0001 | - | 0.0007 | 0.0017 | 0.0017 1540 | Services d'enseignement | 0.0036 | - | - | 0.0035 | 0.0003 | 0.0021 | - | - | 0.0011 | 0.0019 1550 | Autres services | 0.002 | 0.0405 | 0.0045 | 0.0875 | 0.0039 | 0.0727 | 0.1071 | 0.0273 | 0.0083 | 0.0423 1560 | Crédit à la consommation | 0.1936 | 0.219 | 0.1847 | 0.113 | 0.0302 | 0.0563 | 0.069 | 0.0215 | 0.2342 | 0.1 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1 | 1 | 1 | 1 (1) Commerce de gros Import-export | 0.0184 | 0.014 | 0.0013 | 0.0341 | 0.0599 | 0.0527 | - | - | 0.0117 | 0.0366 Produits pétroliers | 0.0637 | - | - | - | 0.0003 | 0.0034 | - | - | - | 0.0091 Produits pharmaceutiques | 0 | - | - | 0.0056 | 0.0038 | 0.0111 | - | - | - | 0.0038 Produits alimentaires | 0.0422 | 0.0161 | 0.0272 | 0.0822 | 0.0476 | 0.0466 | - | 0.0809 | 0.0025 | 0.0536 Matériaux de construction | 0 | 0.0501 | - | - | 0.0253 | 0.0349 | - | - | - | 0.0114 Appareils électroménagers électron.,équipe.inform. | 0 | - | - | - | - | 0.0059 | - | 0.1687 | - | 0.0047 Autres | 0.0071 | - | 0.0216 | 0.0509 | 0.0348 | - | - | - | 0.0215 | 0.0295 S-Total | 0.13140000000000002 | 0.0802 | 0.0501 | 0.1728 | 0.1717 | 0.1546 | - | 0.2496 | 0.035699999999999996 | 0.1487 (2) Commerce de détail Produits pétroliers | 0.0021 | 0.0044 | 0.0067 | 0.0037 | 0.0047 | 0.0058 | - | - | - | 0.0037 Produits pharmaceutiques | - | - | - | 0.0001 | - | 0.0011 | - | - | 0.0003 | 0.0001 Véhicules automobiles | 0.0018 | 0.0009 | - | 0.0468 | 0.0608 | 0.0349 | - | 0.1073 | 0.0003 | 0.0392 Produits alimentaires | 0.0034 | 0.0038 | 0.0146 | 0.0201 | 0.0215 | 0.04 | - | 0.0041 | 0.0028 | 0.0172 Librairie ,papeterie | 0.0003 | 0.0012 | - | 0.0024 | 0.0011 | 0.0018 | - | - | - | 0.0014 Appareils électro- ménagers électroni.équip. inform. | 0 | - | - | 0.0149 | 0.0044 | 0.0269 | - | - | - | 0.0082 Matériaux de construction | 0 | - | - | - | 0.0122 | 0.0004 | - | 0.0131 | - | 0.004 Autres | 0.0118 | 0.2534 | 0.0423 | 0.0228 | 0.041 | 0.0091 | - | 0.1088 | 0.0021 | 0.0317 S-Total | 0.0194 | 0.2637 | 0.06359999999999999 | 0.1108 | 0.1457 | 0.12000000000000001 | - | 0.2333 | 0.0055 | 0.10550000000000001 [suffondspropres] CIRCULAIRE 88 - SUFFISANCE DES FONDS PROPRES AU 31 DÉCEMBRE 2014 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME Actif bilan et hors bilan net des déductions | 41741.51 | 3292.7 | 5601.1 | 12099.2 | 58973 | 57719.3 | 179426.81 | 6103.7 | 6103.7 | 7211.8 | 7514.9 | 14726.7 | 200257.21000000002 Actif pondéré en fonction des risques | 10190.9 | 952 | 1804.2 | 5626.5 | 25779.2 | 31790.6 | 76143.4 | 2862.4 | 2862.4 | 2772.4 | 1963.9 | 4736.3 | 83742.09999999999 Fonds propres réglementaires | 2493.1 | 127.8 | 410.4 | 1072.2 | 4030.5 | 5642.8 | 13776.8 | 478.4 | 478.4 | 492.5 | 333.5 | 826 | 15081.199999999999 Ratio actif / fonds propres | 16.7428141671012 | 25.76447574334898 | 13.647904483430802 | 11.284461854131692 | 14.63168341396849 | 10.22884029205359 | 13.023837901399455 | 12.758570234113712 | 12.758570234113712 | 14.643248730964467 | 22.53343328335832 | 17.828934624697336 | 13.27859918308888 Ratio fonds propres sur actif à risques | 0.24463982572687398 | 0.1342436974789916 | 0.2274692384436315 | 0.1905625166622234 | 0.156346977408143 | 0.17749900914106687 | 0.18093229354087156 | 0.16713247624371155 | 0.16713247624371155 | 0.1776439186264608 | 0.16981516370487296 | 0.17439773662985875 | 0.18009101754075907 0 | 0 | 0 [pageint.annexe] ANNEXE 1 INFORMATION SUR LE CALCUL DES RATIOS FINANCIERS CLÉS [explication1] RATIOS FINANCIERS STRUCTURE FINANCIÈRE Avoir des actionnaires | Avoir des actionnaires x 100% en % de l'actif | Actif total Dépôts en % de l'actif | Dépôts totaux x 100% Actif total QUALITÉ DE L'ACTIF Prêts improductifs bruts | Prêts improductifs x 100% en % des prêts bruts | Prêts bruts Provision pour créances douteuses | Provision pour créances douteuses x 100% en % des prêts improductifs bruts | Prêts improductifs bruts Prêts improductifs nets | Prêts improductifs nets x 100% en % de l'avoir des actionnaires | Avoir des actionnaires [explication2] RENTABILITÉ ROA (rendement de l'actif) | Bénéfice net de la période 1 x 100% 2 (Actif de la fin de la période + actif total du début de la période)/2 ROE ( rendement de l'avoir | Bénéfice net de la période x 100% 2 des actionnaires) | (Avoir des actionnaires de la fin de la période + avoir des actionnaires du début de la période)/2 (Revenus d'intérêt totaux de la période - Revenus nets d'intérêt | dépenses d'intérêt totales de la période) x 100% en % des revenus d'intérêt | Revenus d'intérêts totaux de la période Rendement moyen des prêts | Revenus d'intérêt sur les prêts de la période x 100% 2 ((Prêts bruts du début de la période + prêts bruts de la fin de la période))/2 Rémunération moyenne des dépôts | Dépenses d'intérêts de la période x 100% 2 (Dépôts totaux du début de la période + dépôts totaux de la fin de la période)/2 Dépenses d'exploitation en % du produit net bancaire | Dépenses d'exploitation de la période x 100% (revenus nets d'intérêts + autres revenus) | Produit net bancaire de la période Rentabilité par employé | Produit net bancaire de la période x 100% 2 (Produit net bancaire par employé) | (Nombre d'employés du début de la période + nombre d'employés de la fin de la période)/2 1 Période signifie : trimestre, cumul ou année selon qu'il s'agisse du calcul d'un ratio trimestriel, cumulatif ou annuel. [Sheet1] Indicateurs financiers clés (au 30 septembre ou pour l’exercice terminé le 30 septembre) (en millions de gourdes) | 2008 | 2009 | 2010 | Var 09-08 | Var 10-09 BILAN Actif…………………………………………………………………………………………………. | 175932.02670316098 | 194501.6951051314 | 0 | 0.10555024431851656 | -1 Bons BRH …………………………………………………………..……………………….. | 5944.985 | 4508.555 | 0 | -0.2416204582517869 | -1 Prêts nets…………………………………………………………………………………….. | 62165.98008641415 | 68178.24738645078 | 0 | 0.0967131426493919 | -1 Dépôts……………………………………………………………………………………………………………. | 145645.94626564052 | 157549.1224916574 | 0 | 0.08172679385327308 | -1 Avoir des actionnaires……………………………………………………………………………….. | 13063.91364041 | 14750.485644229997 | 0 | 0.1291015885624811 | -1 RÉSULTATS Revenus nets d’intérêt………………………………………………………………………………… | 4872.29954101 | 5404.75143165043 | 1543.948788235432 | 0.1092814360362695 | -0.7143349129445604 Autres revenus ……………………………………………………………………………………………. | 4736.950072885201 | 5424.620328978259 | 1266.33581712 | 0.1451715229234427 | -0.7665577053650652 Dotation à la Provision pour Créances douteuses …………………………….. | 418.8478652900001 | 640.29460252 | 144.56641715000004 | 0.5287044666604082 | -0.7742189039529122 Frais d’exploitation …………………………………………………………………………………….. | 6251.54586092 | 6977.26390223 | 1800.3671200799997 | 0.11608617411681288 | -0.741966601047642 Bénéfice net (perte nette) ………………………………………………………………………….. | 2620.6642832552 | 2852.031768918689 | 752.5270744754324 | 0.08828581636412469 | -0.7361435161149192 (en pourcentage) STRUCTURE FINANCIÈRE Avoir des actionnaires en % de l’actif…………………………………………………………. | #REF! | #REF! | 0.07962523715001245 Dépôts en % de l’actif…………………………………………………………………………………….. | #REF! | #REF! | 0.813965655305315 QUALITÉ DE L’ACTIF Prêts improductifs bruts en % des prêts bruts …………………………………………… | #REF! | #REF! | 0.04258603198009489 Provisions pour créances douteuses en % des prêts improductifs bruts ………………………………………………………………………………………………………………………. | #REF! | #REF! | 0.5488372868420589 Prêts improductifs nets en % de l’avoir des actionnaires ……………………… | #REF! | #REF! | 0.08851962626544033 RENTABILITÉ Rendement de l’actif (ROA)…………………………………………………………………………….. | #REF! | #REF! | 0.01546411314207231 Rendement de l’avoir des actionnaires (ROE) ……………………………………………. | #REF! | #REF! | 0.1989395370656032 Revenus nets d’intérêts en % des revenus d’intérêt………………………………….. | #REF! | #REF! | 0.8762337052957054 Rendement moyen des prêts………………………………………………………………………….. | #REF! | #REF! | 0.08374409900710626 Rémunération moyenne des dépôts a………………………………………………………………………………………. | #REF! | #REF! | 0.005519081124652305 Dépenses d’exploitation en % du produit net bancaire …………………………….. | #REF! | #REF! | 0.6406351572538673 Produit net bancaire par employé (en milliers de gourdes)………………………….. | #REF! | #REF! | 2624.288180558359 Nombre d’employés……………………………………………………………………………………………… | 3909 | 3919 | 3393 Indicateurs financiers clés pour les trois plus grandes banques du système (au 30 septembre ou pour l’exercice terminé le 30 septembre) (en millions de gourdes) | 2008 | 2009 | 2010 | Var 09-08 | Var 10-09 Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC BILAN Actif………………………………………………………… | 47242.84415524 | 53646.03558858442 | 42562.73495922 | 52053.383624530004 | 59077.36273437447 | 44677.76861994 | 0 | 0 | 0 | 0.10182578029135092 | 0.1012437747952768 | 0.04969214649261722 | -1 | -1 | -1 Bons BRH ………………………………………………. | 100 | 0 | 5670 | 1950 | 0 | 2334 | 0 | 0 | 0 | 18.5 | #DIV/0! | -0.5883597883597884 | -1 | #DIV/0! | -1 Prêts nets………………………………………………… | 18747.20352186 | 20039.27012309 | 10111.94650741 | 19001.04277665 | 22477.640604379998 | 11264.4879945 | 0 | 0 | 0 | 0.013540113035739543 | 0.12167960541039946 | 0.11397820253948332 | -1 | -1 | -1 Dépôts………………………………………………………… | 38659.8054858941 | 45712.814625168045 | 34943.12497807001 | 41458.04276589319 | 48486.99959826542 | 35961.59323342 | 0 | 0 | 0 | 0.07238104912400778 | 0.060687249206702765 | 0.029146456019293332 | -1 | -1 | -1 Avoir des actionnaires…………………………… | 3475.33 | 4743.9468534299995 | 2684.0786054100004 | 3767.4400748800003 | 5455.69005705 | 3036.67579643 | 0 | 0 | 0 | 0.08405247124158 | 0.15003186705293525 | 0.13136619408586192 | -1 | -1 | -1 RÉSULTATS Revenus nets d’intérêt………………………………………………… | 1280.18772867 | 1239.308 | 983.6209 | 1450.4292419199999 | 1393.5832533399998 | 1114.02667476 | 377.69066683 | 438.90868257 | 327.28790831 | 0.1329816787314977 | 0.12448499754701814 | 0.1325772711417581 | -0.7396007637504374 | -0.6850502605294173 | -0.706211784937278 Autres revenus …………………………………………………………… | 1399.6703792551998 | 1903.5886 | 507.9629 | 1559.9186234082601 | 2250.69008903 | 530.62193406 | 377.35721607 | 491.79889597 | 115.49514137000001 | 0.11448998744856809 | 0.18234060081574333 | 0.0446076555197239 | -0.7580917296534907 | -0.7814897313641458 | -0.7823400542712198 Dotation à la Provision pour Créances douteuses ………… | 291.59567194000005 | 40.6535 | 65 | 409.78901376999994 | 54.988805469999996 | 121.85287374 | 102.62275981 | 18.007301 | 0 | 0.4053329771448728 | 0.3526216800521478 | 0.8746595960000001 | -0.7495717152934741 | -1 Frais d’exploitation ………………………………………………… | 1768.6944265700001 | 1743.1696000000002 | 990.1958000000001 | 2045.7413795800003 | 1919.9672864800002 | 1112.6521838499996 | 554.6186289899999 | 518.22796238 | 262.49739581999995 | 0.15663924126638018 | 0.10142311251871305 | 0.12366885806827255 | -0.7288911323170939 | -0.7300850040366569 | -0.7640795572685559 Bénéfice net (perte nette) …………………………………….. | 499.62876511519994 | 1286.9051000000002 | 436.388 | 453.6874719782595 | 1562.1067790299994 | 410.1435512300006 | 82.63649410000012 | 341.72359331999996 | 180.28565386000002 | -0.09195085700549621 | 0.21384768700504742 | -0.0601401706050565 | -0.8178559047714679 | -0.7812418472876768 | -0.5604327964700844