(2020-03) Banking System Statistical Report, March 2020

[XXXX] [pagecouvert.] Banque de la République d’Haïti Version Provisoire RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 2 2020 (1er janvier au 31 mars 2020) [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 mars 2020 | 39 Ratios financiers clés décembre 2019 | 40 Ratios financiers clés septembre 2019 | 41 Ratios financiers clés juin 2019 | 42 Ratios financiers clés mars 2019 | 43 Ratios financiers clés décembre 2018 | 44 Ratios financiers clés septembre 2018 | 45 Ratios financiers clés juin 2018 | 46 Ratios financiers clés mars 2018 | 47 Ratios financiers clés décembre 2017 | 48 Ratios financiers clés septembre 2017 | 49 Ratios financiers clés juin 2017 | 50 Ratios financiers clés mars 2017 | 51 Ratios financiers clés décembre 2016 | 52 Ratios financiers clés septembre 2016 | 53 Bilan au 31 mars 2020 Gourdes et devises | 54 Devises seulement | 55 Gourdes seulement | 56 Bilan au 31 décembre 2019 | 57 Bilan au 30 septembre 2019 | 58 Bilan au 30 juin 2019 | 59 Bilan au 31 mars 2019 | 60 Bilan au 31 décembre 2018 | 61 Bilan au 30 septembre 2018 | 62 Bilan au 30 juin 2018 | 63 Bilan au 31 mars 2018 | 64 Bilan au 31 décembre 2017 | 65 Bilan au 30septembre 2017 | 66 Bilan au 30 juin 2017 | 67 Bilan au 31 mars 2017 | 68 Bilan au 31 décembre 2016 | 69 Bilan au 30septembre 2016 | 70 Résultats (Trim. 2 2019/ Trim. 2 2018) | 71 Résultats (Cumul oct.19-mars 2020 / Cumul oct. 18-mars 2019) | 72 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 74 BPH (Banque Populaire Haïtienne) | 80 BUH (Banque de l'Union Haïtienne) | 86 CAPITALBK (Capital Bank) | 92 CBNA (Citibank N.A.) | 98 SCOTIA (Scotia Bank) | 104 SOGEBK (Société Générale Haïtienne de Banque) | 110 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 116 UNIBK (Unibank) | 122 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 129 Limites relatives à la concentration des risques de crédit | 130 Classification des prêts | 206 Suffisance des fonds propres | 208 ANNEXE 1 Information sur le calcul des ratios financiers clés | 209 [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 2 2020 et TRIM 2 2019 doivent être lues comme deuxième trimestre de l'exercice fiscal 2019-2020 (1er janvier au 31 mars 2020) et deuxième trimestre de l'exercice fiscal 2018-2019 (1er janvier au 31 mars 2019). Les périodes CUMUL 2020 et CUMUL 2019 doivent être lues respectivement comme période cumulative allant du 1er octobre 2019 au 31 mars 2020 et période cumulative allant du 1er octobre 2018 au 31 mars 2019. [pageint.sect1] SECTION 1 SOMMAIRE FINANCIER EN GRAPHES [actifs] [dispo.] [bonsbrh] [prêts nets] [dépôts] [dépôts us] [av.desact.] [revint.] [m.net%revint] PP = Points de pourcentage | PB = Points de base [aut.rev.] [fraisd'expl.] [f.d'exp%pnb] PP = Points de pourcentage | PB = Points de base [bénef.net] [employés] SOMMAIRE FINANCIER EN GRAPHES NOMBRE D'EMPLOYÉS PAR BANQUE BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL Déc. 2014 | 647 | 155 | 192 | 1454 | 1124 | 531 | 68 | 32 | 85 | 4288 Mars 2015 | 638 | 156 | 191 | 1456 | 1131 | 550 | 69 | 34 | 86 | 4311 Juin 2015 | 636 | 159 | 194 | 1454 | 1150 | 551 | 70 | 37 | 86 | 4337 Sept. 2015 | 623 | 159 | 208 | 1466 | 1155 | 569 | 71 | 38 | 88 | 4377 Déc. 2015 | 704 | 161 | 228 | 1441 | 1186 | 603 | 70 | 38 | 90 | 4521 Mars 2016 | 737 | 164 | 232 | 1416 | 1182 | 599 | 71 | 36 | 88 | 4525 Juin 2016 | 735 | 168 | 229 | 1414 | 1192 | 614 | 71 | 36 | 90 | 4549 Sept. 2016 | 743 | 180 | 240 | 1403 | 1210 | 621 | 69 | 37 | 91 | 4594 Déc. 2016 | 827 | 145 | 251 | 1412 | 1205 | 643 | 70 | 35 | 88 | 4676 Mars 2017 | 825 | 140 | 254 | 1411 | 1292 | 652 | 73 | 34 | 0 | 4681 Juin 2017 | 827 | 139 | 254 | 1436 | 1240 | 671 | 73 | 33 | 0 | 4673 Sept. 2017 | 816 | 134 | 245 | 1459 | 1311 | 665 | 73 | 31 | 0 | 4734 Déc. 2017 | 806 | 133 | 246 | 1425 | 1314 | 686 | 72 | 31 | 0 | 4713 Mars 2018 | 806 | 133 | 245 | 1460 | 1322 | 707 | 73 | 31 | 0 | 4777 Juin 2018 | 801 | 132 | 273 | 1450 | 1315 | 716 | 74 | 30 | 0 | 4791 Sept. 2018 | 787 | 127 | 278 | 1427 | 1287 | 774 | 74 | 32 | 0 | 4786 Déc. 2018 | 783 | 123 | 351 | 1407 | 1272 | 754 | 74 | 31 | 0 | 4795 Mars 2019 | 781 | 130 | 351 | 1371 | 1265 | 744 | 74 | 29 | 0 | 4745 Juin 2019 | 776 | 130 | 374 | 1356 | 1264 | 774 | 74 | 28 | 0 | 4776 Sept. 2019 | 770 | 130 | 380 | 1344 | 1275 | 790 | 75 | 29 | 0 | 4793 Déc. 2019 | 850 | 123 | 381 | 1325 | 1290 | 781 | 72 | 29 | 0 | 4851 Mars 2020 | 843 | 133 | 388 | 1278 | 1307 | 792 | 74 | 28 | 0 | 4843 [nbre de prêts ] SOMMAIRE FINANCIER EN GRAPHES EVOLUTION DU NOMBRE DE PRÊTS PAR BANQUE BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL Déc. 2014 | 28515 | 2539 | 618 | 71589 | 3745 | 1270 | 568 | 71 | 1961 | 110876 Mars 2015 | 31424 | 2630 | 608 | 68732 | 3861 | 1189 | 563 | 65 | 1978 | 111050 Juin 2015 | 28601 | 2732 | 625 | 66016 | 3714 | 1147 | 558 | 54 | 2000 | 105447 Sept. 2015 | 31158 | 2604 | 656 | 67605 | 3745 | 1048 | 563 | 45 | 1662 | 109086 Déc. 2015 | 29137 | 2632 | 693 | 67675 | 34732 | 1016 | 568 | 42 | 1694 | 138189 Mars 2016 | 28553 | 2491 | 715 | 64203 | 33916 | 922 | 562 | 42 | 1722 | 133126 Juin 2016 | 28462 | 2419 | 790 | 61456 | 34417 | 898 | 557 | 35 | 1671 | 130705 Sept. 2016 | 28666 | 1868 | 845 | 65525 | 38010 | 867 | 550 | 34 | 1610 | 137975 Déc. 2016 | 29103 | 1623 | 891 | 66252 | 37797 | 876 | 547 | 32 | 1592 | 138713 Mars 2017 | 29699 | 1177 | 931 | 63917 | 38527 | 872 | 542 | 28 | ** | 135693 Juin 2017 | 29994 | 891 | 954 | 63204 | 39824 | 915 | 532 | 28 | ** | 136342 Sept. 2017 | 29293 | 612 | 1016 | 65418 | 42534 | 895 | 533 | 24 | ** | 140325 ** Déc. 2017 | 25636 | 533 | 1073 | 64464 | 40397 | 971 | 525 | 21 | ** | 133620 Mars 2018 | 26950 | 457 | 1071 | 61308 | 38663 | 990 | 521 | 11 | ** | 129971 Juin 2018 | 25994 | 391 | 1095 | 59071 | 38877 | 970 | 515 | 11 | ** | 126924 Sept. 2018 | 24867 | 345 | 1099 | 60816 | 39182 | 988 | 518 | 7 | ** | 127822 Déc. 2018 | 24941 | 338 | 1205 | 59936 | 38609 | 1045 | 515 | 8 | ** | 126597 Mars 2019 | 25243 | 330 | 1145 | 56174 | 35763 | 4708 | 509 | 5 | ** | 123877 Juin 2019 | 26621 | 313 | 1150 | 50891 | 35268 | 4703 | 509 | 7 | ** | 119462 Sept. 2019 | 28325 | 305 | 1117 | 50252 | 37153 | 4750 | 479 | 6 | ** | 122387 Déc. 2019 | 27625 | 302 | 2148 | 50536 | 30240 | 4284 | 471 | 7 | ** | 115613 2020-03-01 00:00:00 | 27215 | 296 | 1036 | 48376 | 26048 | 3863 | 468 | 7 | ** | 107309 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 MARS 2020 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 39715 | 3216 | 7971 | 25767 | 161016 | 9997 | 3798 | 159 | 251639 Épargne | 434410 | 11608 | 51967 | 609829 | 1008212 | 64697 | 4588 | 1350 | 2186661 À Terme | 4332 | 134 | 888 | 11417 | 5389 | 686 | 892 | 5 | 23743 TOTAL | 478457 | 14958 | 60826 | 647013 | 1174617 | 75380 | 9278 | 1514 | 2462043 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 DECEMBRE 2019 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 39820 | 3170 | 7553 | 25782 | 158498 | 9850 | 3786 | 158 | 248617 Épargne | 424657 | 11384 | 49945 | 597124 | 991131 | 63099 | 4598 | 1361 | 2143299 À Terme | 4449 | 134 | 892 | 11353 | 5436 | 669 | 878 | 8 | 23819 TOTAL | 468926 | 14688 | 58390 | 634259 | 1155065 | 73618 | 9262 | 1527 | 2415735 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 SEPTEMBRE 2019 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 39872 | 2889 | 7405 | 26165 | 157135 | 9934 | 3767 | 162 | 247329 Épargne | 416375 | 11143 | 56919 | 592268 | 989934 | 61926 | 4568 | 1310 | 2134443 À Terme | 4406 | 138 | 892 | 11717 | 5465 | 647 | 884 | 8 | 24157 TOTAL | 460653 | 14170 | 65216 | 630150 | 1152534 | 72507 | 9219 | 1480 | 2405929 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 JUIN 2019 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 39716 | 3085 | 7003 | 26390 | 154677 | 9914 | 3755 | 162 | 244702 Épargne | 406442 | 10953 | 53978 | 582713 | 972220 | 60708 | 4706 | 1342 | 2093062 À Terme | 4397 | 143 | 894 | 11674 | 5471 | 654 | 871 | 9 | 24113 TOTAL | 450555 | 14181 | 61875 | 620777 | 1132368 | 71276 | 9332 | 1513 | 2361877 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 MARS 2019 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 40110 | 3018 | 6499 | 26517 | 151891 | 9792 | 3716 | 163 | 241706 Épargne | 395508 | 10740 | 51175 | 567455 | 954210 | 59098 | 4655 | 1354 | 2044195 À Terme | 4402 | 145 | 895 | 11882 | 5475 | 652 | 876 | 9 | 24336 TOTAL | 440020 | 13903 | 58569 | 605854 | 1111576 | 69542 | 9247 | 1526 | 2310237 [dépôts P-AU-P et Prov. ] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 31 MARS 2020 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 27460400.832715627 | 2019952.500277216 | 8410074.601723375 | 9006508 | 36579000.356359996 | 47984108.223299995 | 2150831.14615 | 4211896 | 0 | 137822771.66052622 Épargne | 11107473.877827553 | 502381.67239844805 | 2930826.3327537444 | 4855122 | 20424617.08692 | 33345398.67061 | 744707.16172 | 563043 | 0 | 74473569.80222973 À terme | 9592797.958399327 | 1778466.7681072643 | 8534399.317151649 | 8486878 | 18143939.969959997 | 22604858.40135 | 2774515.54644 | 4256 | 0 | 71920111.96140824 TOTAL | 48160672.6689425 | 4300800.940782929 | 19875300.251628768 | 22348508 | 75147557.41323999 | 103934365.29525998 | 5670053.85431 | 4779195 | 0 | 284216453.4241642 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 31 MARS 2020 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 5723258.045018689 | N/A | 737319.1520736001 | 749203 | 4185134.00467 | 5430078.405060001 | N/A | N/A | N/A | 16824992.60682229 Épargne | 11466668.681977054 | N/A | 1592612.581082976 | 1015122 | 9829271.856900003 | 13997416.43228 | N/A | N/A | N/A | 37901091.55224003 À terme | 2226815.47420864 | N/A | 1033219.0515292161 | 285911 | 3760924.58866 | 1932338.0307800006 | N/A | N/A | N/A | 9239208.145177856 TOTAL | 19416742.201204382 | N/A | 3363150.784685792 | 2050236 | 17775330.450230002 | 21359832.86812 | N/A | N/A | N/A | 63965292.304240175 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 MARS 2020 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 33183658.877734315 | 2019952.500277216 | 9147393.753796974 | 9755711 | 40764134.36103 | 53414186.628359996 | 2150831.14615 | 4211896 | 0 | 154647764.2673485 Épargne | 22574142.559804607 | 502381.67239844805 | 4523438.91383672 | 5870244 | 30253888.943820003 | 47342815.10289 | 744707.16172 | 563043 | 0 | 112374661.35446978 À terme | 11819613.432607967 | 1778466.7681072643 | 9567618.368680865 | 8772789 | 21904864.55862 | 24537196.43213 | 2774515.54644 | 4256 | 0 | 81159320.1065861 TOTAL | 67577414.87014689 | 4300800.940782929 | 23238451.03631456 | 24398744 | 92922887.86346999 | 125294198.16338 | 5670053.85431 | 4779195 | 0 | 348181745.7284044 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 MARS 2020 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 15209785.337550206 | 364094.36621254403 | 854961.8880978881 | 7686510.676689998 | 2107858.02923 | 2418689 | 1040265.25233 | 4211896 | 33894060.55011064 Place Geffrard | 0 | 0 | 0 | 3390646.7728 | 0 | 0 | 0 | 0 | 3390646.7728 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée | 1486058.08675376 | 0 | 0 | 1420249.00672 | 0 | 0 | 0 | 0 | 2906307.09347376 Pavée 1 | 872627.5047236481 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 872627.5047236481 Pavée 2 | 613430.582030112 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 613430.582030112 Delmas | 1967471.263715808 | 177788.156213456 | 713473.9744826881 | 3817235.72385 | 7290948.033179999 | 816178 | 728348.78998 | 0 | 15511443.94142195 Delmas 52 | 1428236.618554512 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1428236.618554512 Delmas 2 | 280134.359284704 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 280134.359284704 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 723443 | 0 | 0 | 723443 Delmas 32 | 259100.28587659198 | 0 | 0 | 0 | 696658.32059 | 0 | 0 | 0 | 955758.606466592 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 92735 | 0 | 0 | 92735 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 728348.78998 | 0 | 728348.78998 Delmas 48 | 0 | 0 | 0 | 643109.68805 | 0 | 0 | 0 | 0 | 643109.68805 Delmas-Aéroport | 0 | 0 | 0 | 3174126.0358 | 0 | 0 | 0 | 0 | 3174126.0358 Delmas 16 | 0 | 0 | 0 | 0 | 2040967.31894 | 0 | 0 | 0 | 2040967.31894 Delmas 18 | 1680939.73734 | 1680939.73734 Delmas 71 | 0 | 0 | 0 | 0 | 2866643.75022 | 0 | 0 | 0 | 2866643.75022 Kiosque Mégamart | 0 | 0 | 0 | 0 | 5738.90609 | 0 | 0 | 0 | 5738.90609 Delmas 35 | 577988.0822048481 Delmas 64 | 135485.89227784003 Pétion-Ville | 3691750.341083968 | 662618.136427664 | 3656397.274397712 | 6536002.761530001 | 17652119.48085 | 2662655 | 0 | 0 | 34861542.994289346 P-V 1 | 1476430.692096192 | 662618.136427664 | 1701138.260229104 | 1755534.80315 | 10879372.64302 | 1388500 | 0 | 0 | 17863594.53492296 Place Boyer | 530566.425144704 | 0 | 227315.42689048 | 0 | 0 | 602253 | 0 | 0 | 1360134.852035184 Choucoune Plaza | 1153682.180694544 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1153682.180694544 P-V 2 | 130658.14003067202 | 0 | 1620376.7105976 | 0.05193 | 3401838.43056 | 671902 | 0 | 0 | 5824775.333118272 P-V 3 | 400412.903117856 | 0 | 0 | 2995654.54129 | 1665644.83983 | 0 | 0 | 0 | 5061712.284237856 P-V 4 | 0 | 0 | 0 | 1784813.36516 | 1449445.67736 | 0 | 0 | 0 | 3234259.04252 Juvénat | 107566.87668052802 | 255817.89008 Lalue | 496830.792406784 | 0 | 273589.303087552 | 1117918.9234099998 | 1065566.04327 | 0 | 0 | 0 | 2953905.062174336 Champs de Mars | 444099.765125744 | 0 | 0 | 767428.72662 | 0 | 0 | 0 | 0 | 1211528.491745744 Laboule | 0 | 0 | 0 | 0 | 746947.2094299999 | 276681 | 0 | 0 | 1023628.2094299999 Aéroport | 113948.55472990399 | 99353.92298256 | 0 | 5409090.09082 | 821357.72261 | 1075831 | 0 | 0 | 7519581.291142464 Aéroport 2 | 0 | 0 | 0 | 1437085.75804 | 0 | 187097 | 0 | 0 | 1624182.75804 Carrefour | 334955.576723952 | 0 | 307854.49690816004 | 505226.54153 | 0 | 162787 | 0 | 0 | 1310823.615162112 Arcachon | 126524.02433078401 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 126524.02433078401 Carrefour | 208431.552393168 | 0 | 0 | 367428.49032 | 0 | 0 | 0 | 0 | 575860.042713168 Truitiers | 0 | 0 | 0 | 137798.05121 | 0 | 0 | 0 | 0 | 137798.05121 Thor | 0 | 0 | 0 | 0 | 650707.66255 | 0 | 0 | 0 | 650707.66255 Diquini | 0 | 0 | 0 | 256693.17966 | 0 | 16495 | 0 | 0 | 273188.17966 Rue du Quai | 0 | 0 | 0 | 82926.88812999999 | 0 | 0 | 0 | 0 | 82926.88812999999 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 12388.24269 | 0 | 0 | 0 | 12388.24269 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 353631 | 0 | 0 | 353631 Parc Industriel | 1602766.124100048 | 631986.580778672 | 2149898.7494498403 | 0 | 0 | 0 | 0 | 0 | 4384651.45432856 Varreux | 0 | 0 | 0 | 0 | 4335348.67798 | 173280 | 0 | 0 | 4508628.67798 Rue Charéron | 35673.315847152 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35673.315847152 Bourdon | 0 | 0 | 0 | 0 | 693331.2689 | 0 | 0 | 0 | 693331.2689 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 2328.50398 | 0 | 0 | 0 | 2328.50398 Canapé-Vert | 0 | 0 | 0 | 0 | 780896.23033 | 0 | 0 | 0 | 780896.23033 Rue Capois | 0 | 0 | 0 | 0 | 705173.94954 | 0 | 0 | 0 | 705173.94954 Damien | 210764.68115427202 | 0 | 3066.903360144 | 535739.82913 | 1561111.55973 | 0 | 0 | 0 | 2310682.973374416 Frères | 221799.65556800002 | 0 | 94890.34077484801 | 1081347.24933 | 1474542.25556 | 0 | 0 | 0 | 2872579.501232848 Portail Léogane | 0 | 0 | 0 | 134001.01632 | 186654.76021 | 0 | 0 | 0 | 320655.77653000003 Croix des Bossales | 0 | 0 | 0 | 0 | 74001.74872 | 0 | 0 | 0 | 74001.74872 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 572791.72398 | 0 | 0 | 0 | 572791.72398 Martissant | 0 | 0 | 0 | 266443.59283 | 632036.30449 | 0 | 0 | 0 | 898479.89732 Nazon | 0 | 0 | 0 | 0 | 204115.04731 | 0 | 0 | 0 | 204115.04731 Croix des Bouquets | 192089.06463084798 | 0 | 0 | 89984.05465 | 381660.8441 | 0 | 0 | 0 | 663733.9633808479 Lathan | 0 | 0 | 0 | 452260.69552999997 | 267762.40356 | 0 | 0 | 0 | 720023.0990899999 Turgeau | 573818.9280379519 | 0 | 0 | 1316286.77205 | 2330247.72798 | 0 | 382217.10384 | 0 | 4602570.531907952 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 358401.010374384 | 84111.33766232 | 293084.936662064 | 275922.09672000003 | 1368393.0236199999 | 863184 | 0 | 0 | 3243096.405038768 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1003493.95641 | 0 | 0 | 0 | 1003493.95641 Avenue Christophe | 0 | 0 | 0 | 0 | 822823.56544 | 0 | 0 | 0 | 822823.56544 Autres succursales non précisées | 520188.33491284796 | 0 | 62856.73450248 | 0 | 239502.24764999998 | 0 | 0 | 0 | 822547.3170653279 TOTAL | 27460400.83271563 | 2019952.500277216 | 8410074.601723377 | 36579000.35636 | 47984108.2233 | 9006508 | 2150831.14615 | 4211896 | 137822771.66052622 0.0017233770340681076 | -4770421.356360003 VILLES DE PROVINCES Aquin | 107086.164587776 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 107086.164587776 Jacmel | 248728.24532865602 | 0 | 0 | 476270.76477999997 | 456537.19334 | 30316 | 0 | 0 | 1211852.203448656 Hinche | 474609.220712384 | 0 | 0 | 70260.69032 | 325157.25131 | 58525 | 0 | 0 | 928552.162342384 Cap-Haïtien | 736342.2162592161 | 0 | 357674.80276537605 | 723286.49052 | 1193630.40157 | 267611 | 0 | 0 | 3278544.911114592 Cap-Haïtien 1 | 736342.2162592161 | 0 | 321293.22513312 | 429157.66183999996 | 805931.9737 | 233665 | 0 | 0 | 2526390.076932336 Cap-Haïtien 2 | 0 | 0 | 36381.577632256 | 294128.82868000004 | 387698.42787 | 33946 | 0 | 0 | 752154.834182256 Cayes | 728953.4178725281 | 0 | 97440.785997936 | 619293.3017300001 | 654600.75384 | 253504 | 0 | 0 | 2353792.259440464 Cayes 1 | 618963.0721801601 | 0 | 97440.785997936 | 0 | 614924.6352 | 0 | 0 | 0 | 1331328.4933780963 Cayes 2 | 109990.345692368 | 0 | 0 | 0 | 39676.11864 | 0 | 0 | 0 | 149666.464332368 Cabaret | 275260.206572128 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 275260.206572128 Cap Saint-Michel | 0 | 0 | 0 | 94720.31937000001 | 0 | 0 | 0 | 0 | 94720.31937000001 Ouanaminthe | 68269.741478544 | 0 | 22503.892283104 | 94944.15371 | 165556.24909 | 0 | 0 | 0 | 351274.036561648 Fort-Liberté | 379289.27776905603 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 379289.27776905603 Gonaïves | 417320.78343859204 | 0 | 107947.70023174399 | 336779.6640599999 | 485407.56880999997 | 67775 | 0 | 0 | 1415230.7165403361 Port-de-Paix | 349041.36591876805 | 0 | 93221.20254664001 | 183366.08689999997 | 364988.81011 | 0 | 0 | 0 | 990617.4654754081 Petit-Goave | 165913.211226368 | 0 | 0 | 114945.46788999999 | 187650.73701 | 0 | 0 | 0 | 468509.416126368 Miragoane | 223384.752208112 | 0 | 0 | 113660.90621000002 | 83616.07871 | 0 | 0 | 0 | 420661.737128112 Mirebalais | 0 | 0 | 0 | 206912.13868000003 | 203525.91021 | 0 | 0 | 0 | 410438.04889000003 Jérémie | 320855.496034512 | 0 | 0 | 252437.30224 | 245301.78887 | 0 | 0 | 0 | 818594.587144512 La Gonave | 0 | 0 | 0 | 0 | 103122.24811 | 0 | 0 | 0 | 103122.24811 Léogane | 370241.438374896 | 0 | 0 | 261264.15521 | 173854.04899 | 0 | 0 | 0 | 805359.6425748961 Fonds-des-Nègres | 61904.340557024 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 61904.340557024 Limbé | 0 | 0 | 0 | 0 | 59274.53413 | 0 | 0 | 0 | 59274.53413 Vertières | 137602.91019505603 | 0 | 0 | 0 | 129068.77886 | 54063 | 0 | 0 | 320734.689055056 L'Estère | 929.87460112 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 929.87460112 St-Marc | 629255.623572016 | 0 | 58530.7682488 | 636992.5630500001 | 598786.0521 | 17409 | 0 | 0 | 1940974.006970816 Belladerre | 28269.758311936002 TOTAL | 5723258.045018689 | 0 | 737319.1520736001 | 4185134.0046699997 | 5430078.40506 | 749203 | 0 | 0 | 16824992.60682229 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 | 33183658.87773432 | 2019952.500277216 | 9147393.753796976 | 40764134.361030005 | 53414186.62836 | 9755711 | 2150831.14615 | 4211896 | 154647764.2673485 0.005059999413788319 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 MARS 2020 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1830482.4238093281 | 144795.07669838401 | 190691.34048168 | 1819869.15688 | 2034614.63345 | 737005 | 283262.46144 | 563043 | 7603763.092759392 Place Geffrard | 0 | 0 | 0 | 2425927.70945 | 0 | 0 | 0 | 0 | 2425927.70945 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 757729.098876032 | 0 | 0 | 905617.7026900001 | 0 | 0 | 0 | 0 | 1663346.8015660322 Pavée 1 | 271964.19763491204 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 271964.19763491204 Pavée 2 | 485764.90124112 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 485764.90124112 Delmas | 1641526.4437539359 | 58512.109255904 | 164165.648778432 | 1510839.58364 | 5000900.29646 | 708830 | 235520.41136 | 0 | 9320294.49324827 Delmas 52 | 639461.8385253119 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 639461.8385253119 Delmas 2 | 645393.002403696 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 645393.002403696 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 570136 | 0 | 0 | 570136 Delmas 32 | 356671.60282492806 | 0 | 0 | 0 | 2343832.60702 | 0 | 0 | 0 | 2700504.2098449282 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 138694 | 0 | 0 | 138694 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 235520.41136 | 0 | 235520.41136 Delmas 48 | 0 | 0 | 0 | 486393.35215999995 | 0 | 0 | 0 | 0 | 486393.35215999995 Delmas-Aéroport | 0 | 0 | 0 | 1024446.2314800001 | 0 | 0 | 0 | 0 | 1024446.2314800001 Delmas 16 | 0 | 0 | 0 | 0 | 1030823.33776 | 0 | 0 | 0 | 1030823.33776 Delmas 18 | 333648.4646 | 333648.4646 Delmas 71 | 0 | 0 | 0 | 0 | 1273483.50099 | 0 | 0 | 0 | 1273483.50099 Kiosque Mégamart | 0 | 0 | 0 | 0 | 19112.38609 | 0 | 0 | 0 | 19112.38609 Delmas 35 | 118408.28799035201 Delmas 64 | 45757.36078808 Pétion-Ville | 2144562.509579568 | 136782.294720848 | 1429725.8794359842 | 3240848.21666 | 5841099.66086 | 1539660 | 0 | 0 | 14332678.561256401 P-V 1 | 704041.39156672 | 136782.294720848 | 987923.2159514402 | 1228928.4878 | 2963193.96644 | 613011 | 0 | 0 | 6633880.356479008 Place Boyer | 485569.94610051205 | 0 | 63608.77793865601 | 0 | 0 | 316783 | 0 | 0 | 865961.7240391681 Choucoune Plaza | 606239.566146112 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 606239.566146112 P-V 2 | 125491.249276144 | 0 | 281152.560668848 | 0 | 1649386.59515 | 609866 | 0 | 0 | 2665896.405094992 P-V 3 | 223220.35649008004 | 0 | 0 | 1435904.41827 | 794824.58317 | 0 | 0 | 0 | 2453949.35793008 P-V 4 | 0 | 0 | 0 | 576015.31059 | 359693.2428 | 0 | 0 | 0 | 935708.55339 Juvénat | 97041.32487704001 | 74001.2733 Lalue | 417221.25585182407 | 0 | 310735.72890512 | 1219026.29314 | 1442789.09731 | 0 | 0 | 0 | 3389772.375206944 Champs de Mars | 465460.941673296 | 0 | 0 | 559475.87503 | 0 | 0 | 0 | 0 | 1024936.816703296 Laboule | 0 | 0 | 0 | 0 | 458710.34845 | 405701 | 0 | 0 | 864411.3484499999 Aéroport | 70068.127175344 | 65535.22005889601 | 0 | 547507.4818099999 | 490511.65354 | 330691 | 0 | 0 | 1504313.48258424 Aéroport 2 | 0 | 0 | 0 | 657822.16645 | 0 | 86512 | 0 | 0 | 744334.16645 Carrefour | 998199.7380670881 | 0 | 245973.86774105602 | 1577315.9512 | 0 | 223196 | 0 | 0 | 3044685.557008144 Arcachon | 557627.818636288 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 557627.818636288 Carrefour | 440571.9194308 | 0 | 0 | 1000766.34607 | 0 | 0 | 0 | 0 | 1441338.2655008 Truitiers | 0 | 0 | 0 | 576549.60513 | 0 | 0 | 0 | 0 | 576549.60513 Thor | 0 | 0 | 0 | 0 | 1911672.69094 | 0 | 0 | 0 | 1911672.69094 Diquini | 0 | 0 | 0 | 640086.7796 | 0 | 104065 | 0 | 0 | 744151.7796 Rue du Quai | 0 | 0 | 0 | 275699.84341 | 0 | 0 | 0 | 0 | 275699.84341 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 17699.17869 | 0 | 0 | 0 | 17699.17869 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 368854 | 0 | 0 | 368854 Parc Industriel | 492281.997077408 | 43988.454684272 | 362173.202540368 | 0 | 0 | 0 | 0 | 0 | 898443.654302048 Varreux | 0 | 0 | 0 | 0 | 1324577.53237 | 22187 | 0 | 0 | 1346764.53237 Rue Charéron | 172360.653214912 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 172360.653214912 Bourdon | 0 | 0 | 0 | 0 | 702916.76967 | 0 | 0 | 0 | 702916.76967 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 60503.28433 | 0 | 0 | 0 | 60503.28433 Canapé-Vert | 0 | 0 | 0 | 0 | 901968.94693 | 0 | 0 | 0 | 901968.94693 Rue Capois | 0 | 0 | 0 | 0 | 1500653.03941 | 0 | 0 | 0 | 1500653.03941 Damien | 452361.467647776 | 0 | 8335.168396864 | 737024.32622 | 1442242.18859 | 0 | 0 | 0 | 2639963.1508546397 Frères | 196770.032070032 | 0 | 54336.200073136 | 911930.6020399999 | 1593994.12775 | 0 | 0 | 0 | 2757030.9619331677 Portail Léogane | 0 | 0 | 0 | 186975.88585 | 720266.60446 | 0 | 0 | 0 | 907242.4903099999 Croix des Bossales | 0 | 0 | 0 | 0 | 112150.96134 | 0 | 0 | 0 | 112150.96134 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 555058.90227 | 0 | 0 | 0 | 555058.90227 Martissant | 0 | 0 | 0 | 622614.7704200001 | 998096.83132 | 0 | 0 | 0 | 1620711.60174 Nazon | 0 | 0 | 0 | 0 | 584669.84534 | 0 | 0 | 0 | 584669.84534 Croix des Bouquets | 692152.2075059359 | 0 | 0 | 519888.02031999995 | 1229985.66601 | 0 | 0 | 0 | 2442025.8938359357 Lathan | 0 | 0 | 0 | 664015.0645500001 | 848242.36994 | 0 | 0 | 0 | 1512257.4344900001 Turgeau | 485074.132182208 | 0 | 0 | 1132968.29335 | 1322280.25042 | 0 | 225924.28892 | 0 | 3166246.964872208 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 291222.84934286406 | 52768.516980144 | 134663.77247491202 | 269163.36421 | 892984.2704500001 | 328421 | 0 | 0 | 1969223.7734579202 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 445373.83948 | 0 | 0 | 0 | 445373.83948 Avenue Christophe | 0 | 0 | 0 | 0 | 449803.95083 | 0 | 0 | 0 | 449803.95083 Autres succursales non précisées | 0 | 0 | 30025.523926192 | 0 | 461631.73 | 0 | 0 | 0 | 491657.253926192 TOTAL | 11107473.877827551 | 502381.672398448 | 2930826.332753744 | 20424617.086919997 | 33345398.67061 | 4855122 | 744707.16172 | 563043 | 74473569.80222973 11383961.913080003 VILLES DE PROVINCES Aquin | 929318.934279232 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 929318.934279232 Jacmel | 556774.900466304 | 0 | 0 | 875657.16647 | 868753.0987 | 61921 | 0 | 0 | 2363106.165636304 Hinche | 455287.656691472 | 0 | 0 | 100999.30894 | 311645.59254 | 155701 | 0 | 0 | 1023633.5581714719 Cap-Haïtien | 1030661.07583848 | 0 | 546219.477766896 | 2530475.2476299996 | 2860927.20817 | 287345 | 0 | 0 | 7255628.009405376 Cap-Haïtien 1 | 1030661.07583848 | 0 | 535194.117740592 | 1724127.7112199997 | 1600997.56748 | 240572 | 0 | 0 | 5131552.472279072 Cap-Haïtien 2 | 0 | 0 | 11025.360026303999 | 806347.5364100001 | 1259929.64069 | 46773 | 0 | 0 | 2124075.537126304 Cayes | 1023201.2235233601 | 0 | 342192.60228526394 | 925517.3003 | 1690451.86602 | 227299 | 0 | 0 | 4208661.992128624 Cayes 1 | 777853.0964653121 | 0 | 342192.60228526394 | 0 | 1512488.28239 | 0 | 0 | 0 | 2632533.9811405763 Cayes 2 | 245348.127058048 | 0 | 0 | 0 | 177963.58363 | 0 | 0 | 0 | 423311.71068804804 Cabaret | 755537.709802272 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 755537.709802272 Cap Saint-Michel | 0 | 0 | 0 | 507114.29034 | 0 | 0 | 0 | 0 | 507114.29034 Ouanaminthe | 146650.367029168 | 0 | 135338.00475632 | 355330.17144 | 360636.49009 | 0 | 0 | 0 | 997955.0333154879 Fort-Liberté | 341608.039446016 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 341608.039446016 Gonaïves | 1009312.9584964641 | 0 | 312022.434767056 | 990342.67238 | 1432379.40376 | 184288 | 0 | 0 | 3928345.46940352 Port-de-Paix | 1019835.4425163519 | 0 | 245911.173617856 | 508524.98625 | 854198.64618 | 0 | 0 | 0 | 2628470.248564208 Petit-Goave | 480491.007762592 | 0 | 0 | 303729.20352 | 439836.04174 | 0 | 0 | 0 | 1224056.253022592 Miragoane | 356137.59519792 | 0 | 0 | 398110.6073 | 499834.13451 | 0 | 0 | 0 | 1254082.33700792 Mirebalais | 0 | 0 | 0 | 261378.56959 | 663535.29349 | 0 | 0 | 0 | 924913.8630799999 Jérémie | 470044.60336590395 | 0 | 0 | 303690.31468999997 | 370204.8056 | 0 | 0 | 0 | 1143939.723655904 La Gonave | 0 | 0 | 0 | 0 | 463604.1215 | 0 | 0 | 0 | 463604.1215 Léogane | 979316.6207781121 | 0 | 0 | 610581.03701 | 327130.55484 | 0 | 0 | 0 | 1917028.2126281122 Fonds-des-Nègres | 420457.73576208 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 420457.73576208 Limbé | 0 | 0 | 0 | 0 | 612667.91186 | 0 | 0 | 0 | 612667.91186 Vertières | 200450.37881254402 | 0 | 0 | 0 | 807627.56876 | 52520 | 0 | 0 | 1060597.9475725442 L'Estère | 24531.807898688003 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24531.807898688003 St-Marc | 1189043.4961992002 | 0 | 10928.887889584 | 1157820.98104 | 1433983.69452 | 46048 | 0 | 0 | 3837825.0596487843 Belladerre | 78007.12811089601 TOTAL | 11466668.681977056 | 0 | 1592612.581082976 | 9829271.856900001 | 13997416.43228 | 1015122 | 0 | 0 | 37901091.55224003 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 | 22574142.559804607 | 502381.672398448 | 4523438.9138367195 | 30253888.94382 | 47342815.10289 | 5870244 | 744707.16172 | 563043 | 112374661.35446976 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 MARS 2020 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1147478.7010164 | 228631.86217219202 | 81660.40422136 | 6510339.676459999 | 4193325.01993 | 5837229 | 1612259.5873 | 4256 | 19615180.251099948 Place Geffrard | 0 | 0 | 0 | 695145.42463 | 0 | 0 | 0 | 0 | 695145.42463 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 182535.44657003199 | 0 | 0 | 598573.7215799999 | 0 | 0 | 0 | 0 | 781109.1681500319 Pavée 1 | 46978.695636912 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 46978.695636912 Pavée 2 | 135556.75093312 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 135556.75093312 Delmas | 850566.5895644 | 4066.8872477279997 | 274798.827803856 | 1489758.7491 | 1295340.06997 | 208422 | 931079.4657000001 | 0 | 5054032.589385984 Delmas 52 | 502810.63856512 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 502810.63856512 Delmas 2 | 262010.44077208 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 262010.44077208 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 173606 | 0 | 0 | 173606 Delmas 32 | 85745.51022720001 | 0 | 0 | 0 | 337117.89071 | 0 | 0 | 0 | 422863.4009372 Delmas 55 | 0 | 0 | 0 | 0 | 0 | 34816 | 0 | 0 | 34816 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 931079.4657000001 | 0 | 931079.4657000001 Delmas 48 | 0 | 0 | 0 | 196170.16288 | 0 | 0 | 0 | 0 | 196170.16288 Delmas-Aéroport | 0 | 0 | 0 | 1293588.58622 | 0 | 0 | 0 | 0 | 1293588.58622 Delmas 16 | 0 | 0 | 0 | 0 | 270019.68746 | 0 | 0 | 0 | 270019.68746 Delmas 18 | 68303.46488 | 68303.46488 Delmas 71 | 0 | 0 | 0 | 0 | 619899.02692 | 0 | 0 | 0 | 619899.02692 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 197070.27385896 Delmas 64 | 77728.55394489602 Pétion-Ville | 5372854.947054704 | 1545267.6077273441 | 5418500.975811969 | 3210183.59979 | 11805844.320590002 | 1248258 | 0 | 0 | 28600909.450974017 P-V 1 | 283936.08927463996 | 1545267.6077273441 | 1317922.1594399041 | 1931793.31697 | 5729770.34994 | 767165 | 0 | 0 | 11575854.52335189 Place Boyer | 307584.672537312 | 0 | 102861.74167252802 | 0 | 0 | 154156 | 0 | 0 | 564602.4142098401 Choucoune Plaza | 1351724.09123632 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1351724.09123632 P-V 2 | 9810.937345952001 | 0 | 3234203.17293536 | 0 | 4366278.55611 | 326937 | 0 | 0 | 7937229.666391312 P-V 3 | 3419799.1566604795 | 0 | 0 | 987611.94478 | 1563837.90874 | 0 | 0 | 0 | 5971249.01018048 P-V 4 | 0 | 0 | 0 | 290778.33804 | 39827.87443 | 0 | 0 | 0 | 330606.21247 Juvénat | 763513.901764176 | 106129.63137 Lalue | 60284.802440688 | 0 | 94667.340045168 | 507878.82169 | 377091.71278 | 0 | 0 | 0 | 1039922.6769558559 Champs de Mars | 21726.979855039997 | 0 | 0 | 230716.30859 | 0 | 0 | 0 | 0 | 252443.28844504 Laboule | 0 | 0 | 0 | 0 | 154640.86031 | 69886 | 0 | 0 | 224526.86031 Aéroport | 19663.810530992003 | 0 | 0 | 1263390.9045799999 | 88148.99938 | 131309 | 0 | 0 | 1502512.7144909918 Aéroport 2 | 0 | 0 | 0 | 259873.4278 | 0 | 37650 | 0 | 0 | 297523.4278 Carrefour | 201502.705847424 | 0 | 879589.6145910401 | 920480.49331 | 0 | 157029 | 0 | 0 | 2158601.813748464 Arcachon | 83716.418109456 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 83716.418109456 Carrefour | 117786.287737968 | 0 | 0 | 850301.1641800001 | 0 | 0 | 0 | 0 | 968087.4519179681 Truitiers | 0 | 0 | 0 | 70179.32913 | 0 | 0 | 0 | 0 | 70179.32913 Thor | 0 | 0 | 0 | 0 | 402568.85176 | 0 | 0 | 0 | 402568.85176 Diquini | 0 | 0 | 0 | 182356.77941999998 | 0 | 19980 | 0 | 0 | 202336.77941999998 Rue du Quai | 0 | 0 | 0 | 24058.85097 | 0 | 0 | 0 | 0 | 24058.85097 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 12759.77859 | 0 | 0 | 12759.77859 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 527299 | 0 | 0 | 527299 Parc Industriel | 419397.7301975681 | 500.41096 | 1590687.0810501443 | 0 | 0 | 0 | 0 | 0 | 2010585.2222077125 Varreux | 0 | 0 | 0 | 0 | 340211.06355 | 7823 | 0 | 0 | 348034.06355 Rue Charéron | 1623.2433700000001 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1623.2433700000001 Bourdon | 0 | 0 | 0 | 0 | 426031.41386 | 0 | 0 | 0 | 426031.41386 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 594.38625 | 0 | 0 | 0 | 594.38625 Canapé-Vert | 0 | 0 | 0 | 0 | 26687.97696 | 0 | 0 | 0 | 26687.97696 Rue Capois | 0 | 0 | 0 | 0 | 30951.09556 | 0 | 0 | 0 | 30951.09556 Damien | 237168.977167312 | 0 | 0 | 244556.16413999998 | 627769.58939 | 0 | 0 | 0 | 1109494.730697312 Frères | 260316.10947548802 | 0 | 35286.584776096 | 416870.1689200001 | 683135.47805 | 0 | 0 | 0 | 1395608.341221584 Portail Léogane | 0 | 0 | 0 | 68800.47925 | 92241.8879 | 0 | 0 | 0 | 161042.36715 Croix des Bossales | 0 | 0 | 0 | 0 | 245.49327 | 0 | 0 | 0 | 245.49327 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8134.09164 | 0 | 0 | 0 | 8134.09164 Martissant | 0 | 0 | 0 | 471226.14204 | 160042.82228 | 0 | 0 | 0 | 631268.96432 Nazon | 0 | 0 | 0 | 0 | 146754.44819 | 0 | 0 | 0 | 146754.44819 Croix des Bouquets | 171079.892938192 | 0 | 0 | 102019.298 | 148714.23473 | 0 | 0 | 0 | 421813.425668192 Lathan | 0 | 0 | 0 | 136564.15997 | 73272.981 | 0 | 0 | 0 | 209837.14097 Turgeau | 365684.204975728 | 0 | 0 | 414286.30285000004 | 913657.70289 | 0 | 231176.49344 | 0 | 1924804.7041557278 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 280912.34780335997 | 0 | 158717.42958385602 | 396860.49687000003 | 166482.11172000002 | 241993 | 0 | 0 | 1244965.385977216 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 179685.44908 | 0 | 0 | 0 | 179685.44908 Avenue Christophe | 0 | 0 | 0 | 0 | 242789.27172 | 0 | 0 | 0 | 242789.27172 Autres succursales non précisées | 1.469592 | 0 | 491.05926816000004 | 0 | 7737.29 | 0 | 0 | 0 | 8229.81886016 TOTAL | 9592797.958399327 | 1778466.7681072643 | 8534399.317151649 | 18143939.969960004 | 22604858.40135 | 8486878 | 2774515.54644 | 4256 | 71920111.96140827 13664639.030039996 VILLES DE PROVINCES Aquin | 134748.809942464 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 134748.809942464 Jacmel | 83058.354051824 | 0 | 0 | 86347.42943999999 | 82266.11518 | 3909 | 0 | 0 | 255580.898671824 Hinche | 157322.885567344 | 0 | 0 | 39915.822869999996 | 26130.73062 | 9574 | 0 | 0 | 232943.439057344 Cap-Haïtien | 247091.43163187202 | 0 | 183478.496490576 | 1367461.8979 | 452329.51014 | 20791 | 0 | 0 | 2271152.336162448 Cap-Haïtien 1 | 247091.43163187202 | 0 | 180459.312490576 | 763714.07543 | 247454.67559 | 20791 | 0 | 0 | 1459510.4951424482 Cap-Haïtien 2 | 0 | 0 | 3019.184 | 603747.82247 | 204874.83455 | 0 | 0 | 0 | 811641.84102 Cayes | 246948.698013632 | 0 | 33115.754326272 | 275049.72299000004 | 145576.11669 | 25670 | 0 | 0 | 726360.2920199041 Cayes 1 | 197942.699327968 | 0 | 33115.754326272 | 0 | 133804.32139 | 0 | 0 | 0 | 364862.77504424 Cayes 2 | 49005.998685663995 | 0 | 0 | 0 | 11771.7953 | 0 | 0 | 0 | 60777.79398566399 Cabaret | 93903.14809380799 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 93903.14809380799 Cap Saint-Michel | 0 | 0 | 0 | 110705.23090000001 | 0 | 0 | 0 | 0 | 110705.23090000001 Ouanaminthe | 2762.5197776799996 | 0 | 14211.414957056 | 56759.81157 | 24066.60015 | 0 | 0 | 0 | 97800.346454736 Fort-Liberté | 11847.136360256001 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11847.136360256001 Gonaïves | 111881.33296227199 | 0 | 521985.41653892805 | 582097.58418 | 223242.7223 | 25358 | 0 | 0 | 1464565.0559812002 Port-de-Paix | 246680.73485329602 | 0 | 268494.882176384 | 114367.85974 | 274268.05178 | 0 | 0 | 0 | 903811.52854968 Petit-Goave | 53360.82856668801 | 0 | 0 | 90733.83184999999 | 43873.57183 | 0 | 0 | 0 | 187968.232246688 Miragoane | 49749.012419504004 | 0 | 0 | 105444.68809000001 | 74633.11792 | 0 | 0 | 0 | 229826.818429504 Mirebalais | 0 | 0 | 0 | 134457.93464000002 | 40543.47446 | 0 | 0 | 0 | 175001.40910000002 Jérémie | 67270.702851488 | 0 | 0 | 34765.41605 | 42945.47965 | 0 | 0 | 0 | 144981.598551488 La Gonave | 0 | 0 | 0 | 0 | 33857.61633 | 0 | 0 | 0 | 33857.61633 Léogane | 153278.97991044802 | 0 | 0 | 361865.21886 | 79776.50381 | 0 | 0 | 0 | 594920.702580448 Fonds-des-Nègres | 28184.504304448 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 28184.504304448 Limbé | 0 | 0 | 0 | 0 | 46871.35185 | 0 | 0 | 0 | 46871.35185 Vertières | 303367.20932987204 | 0 | 0 | 0 | 209473.07088 | 198937 | 0 | 0 | 711777.280209872 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 St-Marc | 229212.90489555203 | 0 | 11933.08704 | 400952.13958 | 132483.99719 | 1672 | 0 | 0 | 776254.1287055521 Belladerre | 6146.280676192 | 6146.280676192 TOTAL | 2226815.4742086404 | 0 | 1033219.0515292161 | 3760924.5886600004 | 1932338.0307800001 | 285911 | 0 | 0 | 9239208.145177854 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 | 11819613.432607967 | 1778466.7681072643 | 9567618.368680865 | 21904864.558620006 | 24537196.432129998 | 8772789 | 2774515.54644 | 4256 | 81159320.10658613 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 398988015.9219943 | 0.07243618208300548 | 427889184.492257 | 0 | 0 | 0 | 0 | 0.06454640409533566 | 401945075.24158365 | 0.221460006520873 | 329069370.34021914 | 0.08345306225712487 | 303722774.7131739 | 0.11927962988143419 | 271355581.39778477 Bons B.R.H. | 6554000 | 1.0908910588953311 | 13703700 | 0 | 0 | 0 | 0 | 6.4476630434782605 | 1840000 | -0.8577942653991808 | 12939000 | 0.14839685520853757 | 11267011 | 0.07643790830940084 | 10466940 Prêts Nets | 119328047.3551485 | 0.01304663418396545 | 120884876.73687802 | 0 | 0 | 0 | 0 | -0.030994096040310854 | 124751434.68466097 | 0.22038259522344747 | 102223216.86079066 | 0.1728123902171812 | 87160757.9468537 | 0.09654951507682188 | 79486385.930094 Dépôts | 321047526.79977554 | 0.08451776645109423 | 348181746.6895404 | 0 | 0 | 0 | 0 | 0.07298502317018486 | 324498235.4560933 | 0.2129295972771665 | 267532621.99598402 | 0.09840403716665293 | 243564856.77719083 | 0.10252366495016321 | 220915763.09901753 Avoir des Actionnaires | 34203149.865109995 | -0.009410730487117745 | 33881273.23991895 | 0 | 0 | 0 | 0 | 0.002908267304046563 | 33783023.178178005 | 0.15303833899570668 | 29299132.592245743 | 0.06841609282689057 | 27422960.76309 | 0.11520582641471785 | 24590044.378849998 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats Revenus nets d'intérêt | 3612372.36477 | 0.18497355246053446 | 3048483.535576892 | 3456038.1940099997 | 0.11288193265424891 | 3105485.040778108 | 0 | 0 | 3166723.33277 | 0 | 0 | 3901319.0090700006 | 7068410.5587800015 | 0.14859386606855654 | 6153968.576355001 Autres revenus | 1991075.3292412001 | -0.21437040294627918 | 2534369.0419864003 | 2806918.0077366717 | 0.06754278108983165 | 2629326.0162100005 | 0 | 0 | 2834280.1619588304 | 0 | 0 | 2364843.348298997 | 4797993.336977871 | -0.07082171140955469 | 5163695.0581964 Dot. à la provision pr créances douteuses | 507691.39241000003 | 2.17720276654593 | 159791.93955 | 419714.24634 | 0.6492337477559021 | 254490.45468000002 | 0 | 0 | 270352.45743 | 0 | 0 | 698601.74322 | 927405.63875 | 1.2385832747580525 | 414282.39423000003 Dépenses d'exploitation | 3678524.65633 | 0.16419902916484655 | 3159704.2809500005 | 3905916.1249699993 | 0.15701962419733473 | 3375842.59012 | 0 | 0 | 3812059.99717 | 0 | 0 | 4209208.641650001 | 7584440.781299999 | 0.16049061094994102 | 6535546.871069999 Bénéfice net | 1246615.1403652001 | -0.35256012206772464 | 1925453.131411224 | 1752958.929589672 | -0.03641990689322638 | 1819214.5542751763 | 0 | 0 | 1713737.6301238304 | 0 | 0 | 1385405.625744998 | 2999574.0699548735 | -0.19897456283759715 | 3744667.685686402 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumul) Structure financière Avoir des actionnaires en % de l'actif | 0.08572475488034961 | 0.08788482028094147 | 0.0791823548429326 | 0.08663614671345723 | 0 | 0.08363511632973475 | 0 | 0.0840488546219479 | 0.0791823548429326 | 0.08663614671345723 | 0.08404885458012684 | 0.08903634076290322 | 0.09028944500124288 | 0.0906192688286851 Dépôts en % de l'actif | 0.8046545610095296 | 0.8101395046845172 | 0.8137194379023642 | 0.8059067629264359 | 0 | 0.8088400886058457 | 0 | 0.8073198444402435 | 0.8137194379023642 | 0.8059067629264359 | 0.807319844038537 | 0.8129976415592454 | 0.801931488368647 | 0.8141191051278704 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.06890648095086686 | 0.029185323917257176 | 0.06674131581510853 | 0.043564927452063064 | 0 | 0.07467359539361852 | 0 | 0.06535921843623994 | 0.06674131581510853 | 0.043564927452063064 | 0.06535921843623994 | 0.025469754697323044 | 0.02934450061813123 | 0.03394940216672455 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.49723871464141217 | 0.7551138076035544 | 0.6272456657542037 | 0.5365699757778454 | 0 | 0.33760494479256087 | 0 | 0.46572376763467743 | 0.6272456657542037 | 0.5365699757778454 | 0.46572376763467743 | 0.8786573826806808 | 0.9058530766720206 | 0.8810163174056981 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.125152475837136 | 0.026245184195151827 | 0.09264077844295282 | 0.07308476400376915 | 0 | 0.18986899595935502 | 0 | 0.13299789206400983 | 0.09264077844295282 | 0.07308476400376915 | 0.13299789206400983 | 0.01102966857089383 | 0.009020696097058693 | 0.013459872248919582 Rentabilité ROA (rendement de l'actif) | 0.01245162827325958 | 0.022529713532723313 | 0.016959799387009047 | 0.020030217299448264 | 0 | 0.017965456869334734 | 0 | 0.013974305619526404 | 0.014458665858972613 | 0.02136684055363022 | 0.018724146924643456 | 0.016639662285024552 | 0.04357447304307952 | 0.03240628733053552 ROE ( rendement avoir des action.) | 0.14669043242913035 | 0.25474847216008883 | 0.2059747413161461 | 0.2295842699353622 | 0 | 0.21111529187265973 | 0 | 0.16666873000929788 | 0.17732093459868628 | 0.2434611690008509 | 0.2169808833566835 | 0.18563221079206246 | 0.48177828328957045 | 0.3835190142286141 Revenus nets d'intérêts en % des revenus d'intérêt | 0.7518187373994962 | 0.7949850745774006 | 0.7693209483793897 | 0.7847672365138632 | 0 | 0.7620861396784122 | 0 | 0.7596278660603382 | 0.7602756768147578 | 0.7897957942006811 | 0.7739859225582887 | 0.7834044677928268 | 0.7402625990100686 | 0.7518670085025657 Rendement moyen des prêts | 0.11951289060957566 | 0.10988315773609976 | 0.10840077772053831 | 0.10885839589444288 | 0 | 0.11033492416793839 | 0 | 0.12841535088791947 | 0.11225992412144635 | 0.11125607874688788 | 0.11640768542321629 | 0.10844998153226369 | 0.11137586177051408 | 0.11952648983663465 Rendement moyen des prêts productifs | 0.12810858499327354 | 0.11298010050276615 | 0.11628646598523393 | 0.11297564272028744 | 0 | 0.11733920459795438 | 0 | 0.13807506403654932 | 0.12019823428106376 | 0.11529268223578006 | 0.12220968811849597 | 0.11148885421295598 | 0.11500363470366654 | 0.12404153454218945 Rémunération moyenne des dépôts | 0.014777851837649904 | 0.01133538955527628 | 0.012387800130462092 | 0.01160651995870145 | 0 | 0.012835873234276159 | 0 | 0.015409877794458281 | 0.013253001861009618 | 0.011548725564044425 | 0.013043243209962358 | 0.011406478059241762 | 0.013421205154526005 | 0.01401804110283661 Dépenses d'exploitation en % du produit net bancaire | 0.6564752376044304 | 0.5659659174323198 | 0.6236537505851759 | 0.5886580318991318 | 0 | 0.6352370900164351 | 0 | 0.6717362879530208 | 0.639152421232802 | 0.5774643143764936 | 0.6172109710663901 | 0.6550381318122509 | 0.4570289913501697 | 0.5131372781157897 (marge nette d'int.+autres revenus) Productivité par employé ('000 gdes) | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 4925.8629704266805 | 4749.832602896402 | 4924.278001179502 | 3905.1831603775977 | 5224.883469251728 | 4216.334641971632 Productivité par Employé ('000 gdes) | 4648.2353330661135 | 4661.603237710713 | 5168.521726219658 | 4809.065875881014 | 0 | 5042.330423047017 | 0 | 5238.718660147559 | 4925.8629704266805 | 4749.832602896402 | 4924.278001179502 | 3905.1831603775977 | 5224.883469251728 | 4216.334641971632 Nombre de succursales autorisées | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 139 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 MARS 2020 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 145635805.7989715 | 0.3403586981797314 | 1 | UNIBK | 36618062.65118 | 0.2902357538728585 | 1 | UNIBK | 125294199.16686094 | 0.3598528652295513 | 1 | UNIBK | 87843373.23022094 | 0.3803436040313873 | 1 SOGEBK | 114192738.02929999 | 0.2668745604421006 | 2 | SOGEBK | 33505490.416810002 | 0.26556542225177826 | 2 | SOGEBK | 92922887.86348927 | 0.2668804115867247 | 2 | SOGEBK | 65718295.590319276 | 0.2845466023955327 | 2 BNC | 88238604.70876002 | 0.2062183572446823 | 3 | BNC | 22873844.1 | 0.18129870631262915 | 3 | BNC | 67577414.82774563 | 0.19408660985322038 | 3 | BNC | 31459263.660755634 | 0.1362120929662682 | 3 CAPITALBK | 29833705 | 0.06972297052892644 | 4 | BUH | 15149013.818675995 | 0.12007149280334999 | 4 | CAPITALBK | 24398744 | 0.07007473605948497 | 4 | CAPITALBK | 18776752 | 0.08129944542278361 | 4 BUH | 29775081.216125403 | 0.06958596359816197 | 5 | CAPITALBK | 10947901 | 0.08677335910227432 | 5 | BUH | 23238451.036314562 | 0.06674230127587748 | 5 | BUH | 16050518.282584561 | 0.06949541833019758 | 5 SOGEBL | 9022573.87958 | 0.021086239630680056 | 6 | SOGEBL | 5057445.13242 | 0.04008544675509305 | 6 | SOGEBL | 5670053.85432 | 0.016284753316996133 | 6 | SOGEBL | 4604018.16117 | 0.01993444463768521 | 6 CBNA | 6142519 | 0.014355396730321315 | 7 | BPH | 1346650.99485 | 0.01067359216726147 | 7 | CBNA | 4779195 | 0.013726150337976837 | 7 | CBNA | 3721702 | 0.016114198484853216 | 7 BPH | 5048156.8595199995 | 0.011797813645395727 | 8 | CBNA | 668207 | 0.005296226734755221 | 8 | BPH | 4300800.94081 | 0.012352172340168223 | 8 | BPH | 2784011.6876 | 0.012054193731292179 | 8 TOTAL | 427889184.492257 | 0.9999999999999998 | TOTAL | 126166615.11393599 | 1 | TOTAL | 348181746.6895404 | 1 | TOTAL | 230957934.6126504 | 0.9999999999999999 AU 31 DECEMBRE 2019 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 133669770.00610064 | 0.3350220173836856 | 1 | UNIBK | 36108651.650249995 | 0.29223189999551663 | 1 | UNIBK | 113961476.00947121 | 0.35496761848766534 | 1 | UNIBK | 82365052.3130812 | 0.3792901350305791 | 1 SOGEBK | 104436835.64286 | 0.2617543171103121 | 2 | SOGEBK | 32412227.28012 | 0.262316268491582 | 2 | SOGEBK | 84460470.47502138 | 0.26307777953292255 | 2 | SOGEBK | 61804803.15078137 | 0.2846104200054661 | 2 BNC | 83149799.62076001 | 0.20840174717682874 | 3 | BNC | 22412341.5 | 0.1813859238869702 | 3 | BNC | 63355279.86138028 | 0.1973392553211987 | 3 | BNC | 28840251.072280288 | 0.13280903024186744 | 3 CAPITALBK | 29881692 | 0.07489370810035087 | 4 | BUH | 14674191.220712345 | 0.11876009170496424 | 4 | CAPITALBK | 23501443 | 0.07320237982913014 | 4 | CAPITALBK | 18487266 | 0.08513365099110833 | 4 BUH | 29306832.13639371 | 0.07345291328781024 | 5 | CAPITALBK | 11141578 | 0.09017020462091128 | 5 | BUH | 22459452.628602646 | 0.06995678444397334 | 5 | BUH | 15723987.843592647 | 0.07240878631079611 | 5 SOGEBL | 8039342.5793699995 | 0.02014933346003495 | 6 | SOGEBL | 4831648.04036 | 0.03910314072705735 | 6 | SOGEBL | 5101020.37039 | 0.015888676736548424 | 6 | SOGEBL | 4108356.97911 | 0.018918937457081803 | 6 CBNA | 5492817 | 0.013766872138520302 | 7 | BPH | 1343693.29287 | 0.010874680333955744 | 7 | BPH | 4302046.45491 | 0.01340002988901084 | 7 | CBNA | 3168913 | 0.014592808550663253 | 7 BPH | 5010926.936509999 | 0.012559091342456958 | 8 | CBNA | 637305 | 0.005157790239042429 | 8 | CBNA | 3906338 | 0.012167475759550787 | 8 | BPH | 2657168.60872 | 0.012236231412438018 | 8 TOTAL | 398988015.92199445 | 0.9999999999999999 | TOTAL | 123561635.98431236 | 0.9999999999999999 | TOTAL | 321047526.7997755 | 1 | TOTAL | 217155798.9675655 | 1.0000000000000004 AU 30 SEPTEMBRE 2019 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 136911770.16667125 | 0.3406230816098002 | 1 | UNIBK | 39251560.03829001 | 0.305060767402418 | 1 | UNIBK | 115985103.85474831 | 0.35742907412648106 | 1 | UNIBK | 85236515.03145832 | 0.37958582060771956 | 1 SOGEBK | 105301379.00716 | 0.26197952280885645 | 2 | SOGEBK | 33371415.672019996 | 0.25936063851425467 | 2 | SOGEBK | 86277041.85978933 | 0.2658783082087457 | 2 | SOGEBK | 63565529.256009325 | 0.28307789890402196 | 2 BNC | 81491924.87383 | 0.2027439316798455 | 3 | BNC | 22279445 | 0.17315450856908304 | 3 | BNC | 62058797.5 | 0.19124540820006075 | 3 | BNC | 29733907.5 | 0.1324147247701995 | 3 CAPITALBK | 30027870 | 0.07470640107221653 | 4 | BUH | 15312382.763147477 | 0.11900691926457321 | 4 | CAPITALBK | 24112921 | 0.0743083270271361 | 4 | CAPITALBK | 19115198 | 0.08512617058817003 | 4 BUH | 28801421.49919239 | 0.07165511726168478 | 5 | CAPITALBK | 11608017 | 0.09021681101555994 | 5 | BUH | 22161837.82004568 | 0.06829571134307236 | 5 | BUH | 15933630.70094568 | 0.07095762048280144 | 5 SOGEBL | 8363229.34113 | 0.020806895907614722 | 6 | SOGEBL | 4855564.40193 | 0.037737154935489764 | 6 | SOGEBL | 5278089.68159 | 0.016265387927830992 | 6 | SOGEBL | 4328335.05239 | 0.019275478497921234 | 6 CBNA | 6251476 | 0.015553060318608541 | 7 | BPH | 1379034.11777 | 0.010717770346723778 | 7 | CBNA | 4561364 | 0.014056668115895444 | 7 | CBNA | 3990772 | 0.01777220084513341 | 7 BPH | 4796004.353600001 | 0.011931989341373139 | 8 | CBNA | 610585 | 0.004745429951897526 | 8 | BPH | 4063079.73992 | 0.012521115050777402 | 8 | BPH | 2647479.7758 | 0.011790085304032997 | 8 TOTAL | 401945075.2415837 | 1 | TOTAL | 128668003.99315749 | 0.9999999999999999 | TOTAL | 324498235.4560934 | 0.9999999999999997 | TOTAL | 224551367.31660333 | 1 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE DEUXIEME TRIMESTRE DE L'EXERCICE 2019-2020 AU 31 MARS 2020 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 133743371.35779402 | 0.33944336530094565 | 1 | UNIBK | 2054259.9689399998 | 0.328001650142003 | 1 | UNIBK | 665939.51026 | 0.37989453090945013 | 1 SOGEBK | 107338682.57775928 | 0.27242773433377554 | 2 | SOGEBK | 1443316.193596671 | 0.23045286396768122 | 2 | BNC | 466190.5366499999 | 0.26594492819014576 | 2 BNC | 79926301.72872564 | 0.2028545606367083 | 3 | BNC | 1233611.1899899999 | 0.1969694741990945 | 3 | SOGEBK | 241629.26308667113 | 0.13784080106385102 | 3 BUH | 27113408.315597743 | 0.0688143753966226 | 4 | CAPITALBK | 721298 | 0.1151689356854895 | 4 | CAPITALBK | 226205 | 0.12904181391913702 | 4 CAPITALBK | 26776978 | 0.06796050849199488 | 5 | BUH | 551075.5474100003 | 0.08798968564658192 | 5 | BUH | 115605.62124300025 | 0.06594884756944132 | 5 SOGEBL | 8314495.34234 | 0.02110235633460017 | 6 | SOGEBL | 130393.99729 | 0.020819880115660796 | 6 | SOGEBL | 36561.020789999995 | 0.02085674693962061 | 6 CBNA | 5712193 | 0.014497660672702263 | 7 | CBNA | 80505 | 0.012854153439161528 | 7 | CBNA | 2939 | 0.001676593758353457 | 7 BPH | 5082480.951049999 | 0.012899438832650783 | 8 | BPH | 48496.30452 | 0.007743356804327467 | 8 | BPH | -2111.022440000008 | -0.001204262349999353 | 8 TOTAL | 394007911.27326673 | 1.0000000000000002 | TOTAL | 6262956.2017466705 | 0.9999999999999999 | TOTAL | 1752958.9295896713 | 0.9999999999999999 POUR LE PREMIER TRIMESTRE DE L'EXERCICE 2019-2020 AU 31 DECEMBRE 2019 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 122427224.37014791 | 0.33561486723144635 | 1 | SOGEBK | 1436071.4217911998 | 0.25628354188547714 | 1 | BNC | 489665.0379999997 | 0.39279567698540135 | 1 SOGEBK | 96570046.79499137 | 0.2647315055975277 | 2 | UNIBK | 1315941.2397 | 0.2348449225476735 | 2 | CAPITALBK | 290049 | 0.23266924218089416 | 2 BNC | 75303686.56138028 | 0.2064331434234374 | 3 | BNC | 1264589.5679999997 | 0.2256806232619171 | 3 | SOGEBK | 196060.5413611998 | 0.1572743142713342 | 3 CAPITALBK | 26760046 | 0.07335843258394821 | 4 | CAPITALBK | 770438 | 0.13749356504628774 | 4 | BUH | 135634.73169400005 | 0.10880241006399573 | 4 BUH | 26328444.20366116 | 0.07217526454007288 | 5 | BUH | 556925.22738 | 0.09938974320670921 | 5 | UNIBK | 95217.07723000001 | 0.07638049157826358 | 5 SOGEBL | 7292825.06278 | 0.019992126161310582 | 6 | SOGEBL | 117149.02599000002 | 0.02090659757834546 | 6 | SOGEBL | 33931.24222000003 | 0.027218698956327267 | 6 CBNA | 5059453 | 0.01386968997781822 | 7 | CBNA | 79723 | 0.014227490708123429 | 7 | BPH | 11266.509860000013 | 0.009037680913051845 | 7 BPH | 5043140.0056 | 0.013824970484438622 | 8 | BPH | 62610.21115000001 | 0.011173515765466314 | 8 | CBNA | -5209 | -0.00417851494926815 | 8 TOTAL | 364784865.9985607 | 1 | TOTAL | 5603447.694011199 | 0.9999999999999999 | TOTAL | 1246615.1403651997 | 1 POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2018-2019 AU 30 SEPTEMBRE 2019 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 124812185.95900927 | 0.33901426086935676 | 1 | UNIBK | 1826884.0253000003 | 0.2915475088435248 | 1 | UNIBK | 448348.5931500002 | 0.3236226162347957 | 1 SOGEBK | 97780512.26368931 | 0.2655909584292392 | 2 | SOGEBK | 1629911.8426089974 | 0.2601132478944187 | 2 | SOGEBK | 374844.4205389973 | 0.2705665500220746 | 2 BNC | 74135475.97 | 0.20136642425621537 | 3 | BNC | 1220851.1638099998 | 0.1948323541879314 | 3 | CAPITALBK | 229541 | 0.16568504973160125 | 3 CAPITALBK | 27168471 | 0.07379487062297314 | 4 | CAPITALBK | 758143 | 0.12099000261434734 | 4 | BNC | 185885.2538099999 | 0.13417388406376707 | 4 BUH | 25958255.467202555 | 0.07050768899730492 | 5 | BUH | 546277.13675 | 0.08717889923608169 | 5 | BUH | 83752.37190599991 | 0.060453321647919805 | 5 SOGEBL | 7654589.09681 | 0.020791358191306192 | 6 | SOGEBL | 151624.50878000003 | 0.024197347616071552 | 6 | SOGEBL | 62557.07145000003 | 0.045154336237345785 | 6 CBNA | 5813251 | 0.01578992448429907 | 7 | CBNA | 81212 | 0.0129604046892425 | 7 | BPH | 695.9148900000073 | 0.0005023185102383149 | 7 BPH | 4839311.30253 | 0.013144514149305384 | 8 | BPH | 51258.680120000005 | 0.00818023491838188 | 8 | CBNA | -219 | -0.0001580764477423235 | 8 TOTAL | 368162052.0592411 | 1 | TOTAL | 6266162.357368996 | 0.9999999999999999 | TOTAL | 1385405.625744997 | 1.0000000000000004 [partdemarc. (3)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) CUMUL 2020 (Octobre 19 - Mars 20) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 3370201.208640001 | 0.28401200888205197 | 1 | BNC | 955855.5746500003 | 0.3186637677076534 | 1 SOGEBK | 2879387.615387871 | 0.24265039692583065 | 2 | UNIBK | 761156.5874900011 | 0.2537548897738845 | 2 BNC | 2498200.7579900003 | 0.2105271976190768 | 3 | CAPITALBK | 516254 | 0.17210910214588124 | 3 CAPITALBK | 1491736 | 0.12571087358094069 | 4 | SOGEBK | 437689.8044478707 | 0.14591731833928523 | 4 BUH | 1108000.7747900004 | 0.09337291942221014 | 5 | BUH | 251240.35293700016 | 0.08375867609122914 | 5 SOGEBL | 247543.02328000005 | 0.020860829064523443 | 6 | SOGEBL | 70492.26301000002 | 0.023500757562909768 | 6 CBNA | 160228 | 0.013502658548246449 | 7 | BPH | 9155.48742000002 | 0.003052262490100055 | 7 BPH | 111106.51567000002 | 0.009363115957119878 | 8 | CBNA | -2270 | -0.0007567741109437416 | 8 TOTAL | 11866403.895757873 | 1 | TOTAL | 2999574.0699548726 | 0.9999999999999998 CUMUL 2019 (Octobre 18- Mars 19) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 3895660.2162500005 | 0.3442106376405321 | 1 | UNIBK | 1581023.8154500006 | 0.4222067078190404 | 1 SOGEBK | 2676158.4982064003 | 0.2364585646490169 | 2 | BNC | 902467.6799999999 | 0.2410007391175425 | 2 BNC | 2044422.68 | 0.1806399930245881 | 3 | SOGEBK | 479196.0728564006 | 0.1279675829949016 | 3 CAPITALBK | 1307549 | 0.11553170709263859 | 4 | CAPITALBK | 433290 | 0.11570853180275663 | 4 BUH | 907974.52846 | 0.08022632212606744 | 5 | BUH | 232187.05184499992 | 0.06200471479285346 | 5 CBNA | 235765 | 0.020831596309351264 | 6 | CBNA | 69272 | 0.018498837764639287 | 6 SOGEBL | 160702.17041999995 | 0.014199235426064126 | 7 | SOGEBL | 41887.78050999993 | 0.011185980713351834 | 7 BPH | 89431.541215 | 0.007901943731741308 | 8 | BPH | 5343.285025000019 | 0.001426904994914279 | 8 TOTAL | 11317663.634551402 | 0.9999999999999999 | TOTAL | 3744667.685686401 | 1 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 31 MARS 2020 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 35962296.2653 | 1 | SOGEBL | 69280.07030712329 | 1 | CBNA | 4779195 | 1 | CBNA | 167691.05263157896 | 1 SOGEBK | 31712103.112940002 | 2 | BUH | 39399.25570526917 | 2 | SOGEBK | 2160997.392174169 | 2 | UNIBK | 96491.48953936153 | 2 BNC | 21515500.900000002 | 3 | UNIBK | 28200.279284697728 | 3 | UNIBK | 2088236.6527810157 | 3 | BNC | 79831.55915858905 | 3 BUH | 14611906.309788024 | 4 | BNC | 27021.670525694037 | 4 | SOGEBL | 1890017.95144 | 4 | SOGEBL | 77671.97060712328 | 4 CAPITALBK | 10865072 | 5 | SOGEBK | 25743.749840038417 | 5 | BNC | 1571567.7866917588 | 5 | SOGEBK | 71396.76362926567 | 5 SOGEBL | 4859412.630299999 | 6 | CBNA | 23445.859649122805 | 6 | CAPITALBK | 1109033.8181818181 | 6 | BUH | 60438.104125655555 | 6 BPH | 690378.5185499999 | 7 | CAPITALBK | 13919.772409408773 | 7 | BUH | 1056293.2289233892 | 7 | BPH | 33600.00735007812 | 7 CBNA | 668207 | 8 | BPH | 10520.710897265624 | 8 | BPH | 716800.1568016666 | 8 | CAPITALBK | 31021.9249841068 | 8 TOTAL | 120884876.73687802 AU 31 DECEMBRE 2019 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 35548142.796409994 | 1 | SOGEBL | 65736.70803210884 | 1 | CBNA | 3906338 | 1 | CBNA | 134701.3103448276 | 1 SOGEBK | 31085149.57939 | 2 | BUH | 38565.54854326503 | 2 | SOGEBK | 1964196.9877911948 | 2 | UNIBK | 88858.85068964616 | 2 BNC | 21228394.5 | 3 | UNIBK | 28154.894074269003 | 3 | UNIBK | 1931550.440838495 | 3 | BNC | 78216.39489059294 | 3 BUH | 14435059.595338501 | 4 | BNC | 27669.557407407407 | 4 | SOGEBL | 1700340.1234633334 | 4 | SOGEBL | 69401.63769238094 | 4 CAPITALBK | 11053037 | 5 | SOGEBK | 24287.918531375046 | 5 | BNC | 1473378.6014274484 | 5 | SOGEBK | 63289.97412890324 | 5 SOGEBL | 4647070.38344 | 6 | CBNA | 21976.03448275862 | 6 | CAPITALBK | 1068247.4090909092 | 6 | BUH | 59026.15671117647 | 6 BPH | 693888.50057 | 7 | CAPITALBK | 14184.058561425843 | 7 | BUH | 1020884.2103910294 | 7 | BPH | 34008.27237083004 | 7 CBNA | 637305 | 9 | BPH | 10622.081366561264 | 8 | BPH | 717007.7424849999 | 8 | CAPITALBK | 29919.08720560153 | 8 TOTAL | 119328047.35514851 AU 30 SEPTEMBRE 2019 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 38736782.90442001 | 1 | SOGEBL | 65175.36109973154 | 1 | CBNA | 4561364 | 1 | CBNA | 160047.8596491228 | 1 SOGEBK | 32111842.915229995 | 2 | BUH | 40616.39990224795 | 2 | SOGEBK | 2006442.833948589 | 2 | UNIBK | 91362.82304430746 | 2 BNC | 21240071.6 | 3 | UNIBK | 30918.912988018914 | 3 | UNIBK | 1999743.1699094535 | 3 | BNC | 80283.04980595084 | 3 BUH | 15103214.604820965 | 4 | BNC | 28822.050452781372 | 4 | SOGEBL | 1759363.2271966666 | 4 | SOGEBL | 70846.84136362416 | 4 CAPITALBK | 11531934 | 5 | SOGEBK | 24719.567164459255 | 5 | BNC | 1443227.8488372094 | 5 | SOGEBK | 63908.91989614024 | 5 SOGEBL | 4681835.28272 | 6 | CBNA | 21424.035087719298 | 6 | CAPITALBK | 1096041.8636363635 | 6 | BUH | 58784.715703038935 | 6 BPH | 735168.3774700001 | 7 | CAPITALBK | 14844.011508951407 | 7 | BUH | 1055325.6104783658 | 7 | CAPITALBK | 30834.937340153454 | 7 CBNA | 610585 | 8 | BPH | 3657.9154317506627 | 8 | BPH | 677179.9566533334 | 8 | BPH | 10777.399840636604 | 8 124751434.68466099 [partdemarc. (5)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes et en pourcentage) AU 30 JUIN 2004 | TRIM 2 2020 | AU 31 MARS 2020 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BPH | 0 | 1 | BPH | 0 | 1 | BNC | 0.5004985836299077 | 1 | CBNA | 11298.947368421053 | 1 | CBNA | 215526.98245614034 | 1 BNC | 0 | 2 | SCOTIA | 0 | 2 | SOGEBL | 0.5577907593264487 | 2 | SOGEBL | 7144.876563835616 | 2 | SOGEBL | 123596.90246000001 | 2 SOGEBL | 0 | 3 | SOGEBL | 0 | 3 | UNIBK | 0.621662853158241 | 3 | UNIBK | 6328.1015600770115 | 3 | UNIBK | 112156.954793201 | 3 SCOTIA | 0 | 4 | SOCABK | #REF! | 4 | CAPITALBK | 0.6250010397921525 | 4 | BNC | 5829.231848741878 | 4 | BNC | 104239.34401507386 | 4 SOCABK | #REF! | 5 | BUH | 0 | 5 | BUH | 0.6267635577976874 | 5 | BUH | 5732.9055647334235 | 5 | SOGEBK | 87739.3300263542 | 5 CAPITALBK | 0 | 6 | BNC | 0 | 6 | SOGEBK | 0.7078479395662455 | 6 | SOGEBK | 4435.854609594072 | 6 | BUH | 77438.44269473446 | 6 BUH | 0 | 7 | CAPITALBK | 0 | 7 | BPH | 0.9198087854633096 | 7 | CAPITALBK | 3668.3941513032423 | 6 | BPH | 39438.725464999996 | 7 PROMOBK | #REF! | 8 | SOGEBK | 0 | 8 | CBNA | 0.9470716104589777 | 8 | BPH | 1515.50951625 | 8 | CAPITALBK | 37932.23776223776 | 8 SOGEBK | 0 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9 UNIBK | 0 | 10 | UNIBK | 0 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 TRIM 1 2020 | AU 31 DECEMBRE 2019 AU 31 MARS 2004 | COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang BNC | 0.4941718212877114 | 1 | CBNA | 10996.275862068966 | 1 | CBNA | 189407.4827586207 | 1 CBNA | 0.002020740956685737 | 1 | CBNA | 0.02722273037779759 | 1 | SOGEBL | 0.5398916086199377 | 2 | SOGEBL | 6375.457196734696 | 2 | SOGEBL | 109378.81060367347 | 2 BNC | 0.021760657074730835 | 2 | BPH | 0.2538157529211391 | 2 | CAPITALBK | 0.5554918111515788 | 3 | BNC | 6244.886755555554 | 3 | UNIBK | 104225.94152522467 | 3 BPH | -0.001678898383038154 | 3 | SCOTIA | 0 | 3 | BUH | 0.5714715595256036 | 4 | BUH | 5854.667304914587 | 4 | BNC | 102654.07360587655 | 4 SCOTIA | 0 | 4 | BNC | 0.23081001833348017 | 4 | SOGEBK | 0.6841536312341235 | 5 | SOGEBK | 4304.4478734843005 | 5 | SOGEBK | 78259.14997591607 | 5 SOGEBL | 0.017142749879458727 | 5 | SOGEBL | 0.20107861944078553 | 5 | BPH | 0.7242221429563089 | 6 | UNIBK | 4104.300162807018 | 6 | BUH | 77021.8978617443 | 6 PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | UNIBK | 0.8579381880663467 | 7 | CAPITALBK | 3923.2998090388287 | 6 | BPH | 39612.07064434782 | 7 SOCABK | #REF! | 7 | SOCABK | #REF! | 7 | CBNA | 1.0947907128432197 | 8 | BPH | 1979.7695225296445 | 8 | CAPITALBK | 38041.61935073202 | 8 BUH | 0.015653605603897877 | 9 | UNIBK | 0.23027969178714316 | 9 CAPITALBK | 0.030304412109995685 | 10 | CAPITALBK | 0.29289911761559234 | 10 SOGEBK | 0.008841594813664129 | 11 | BICH | #REF! | 11 BICH | #REF! | 12 | SOGEBK | 0.1313127199346995 | 12 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 TRIM 4 2019 | AU 30 SEPTEMBRE 2019 COEFICIENT AU 30 SEPTEMBRE 2003 | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang | SOGEBL | 0.43060720133796815 | 1 | CBNA | 11398.17543859649 | 1 | CBNA | 219350.0350877193 | 1 CAPITALBK | 0.6124649307584453 | 2 | SOGEBL | 8140.91322308725 | 2 | SOGEBL | 113016.61271797297 | 2 BNC | 0.018573534464179725 | 1 | BPH | 0.01671486341039895 | 1 | BUH | 0.6150987278894205 | 3 | BNC | 6317.4704466235435 | 3 | UNIBK | 108273.44418083926 | 3 CBNA | 0.012102312249806381 | 2 | BNC | 0.20231433087630732 | 2 | BNC | 0.6654913670758014 | 4 | BUH | 5796.043891246683 | 4 | BNC | 104678.13085912653 | 4 BPH | -0.00017349300779253164 | 3 | SCOTIA | 0 | 3 | SOGEBK | 0.6863809888817263 | 5 | UNIBK | 5756.231666955496 | 5 | BUH | 79452.19723915143 | 5 SOGEBL | 0.013439351213619317 | 4 | SOGEBK | 0.14928250147899153 | 4 | UNIBK | 0.7032448524580133 | 6 | SOGEBK | 4829.368422545177 | 6 | SOGEBK | 77228.73414533187 | 6 SCOTIA | 0 | 5 | PROMOBK | #REF! | 5 | BPH | 0.8990568060299869 | 7 | CAPITALBK | 3877.9693094629156 | 6 | CAPITALBK | 39562.41106719367 | 7 SOGEBK | 0.011202453549889885 | 6 | CBNA | 0.19389415785068315 | 6 | CBNA | 1.0039156774860858 | 8 | BPH | 1577.1901575384618 | 8 | BPH | 36892.34118153847 | 8 UNIBK | 0.02259035407657341 | 8 | UNIBK | 0.25113775407264566 | 8 CAPITALBK | 0.035819170004876506 | 9 | CAPITALBK | 0.37978477122949955 | 9 SOCABK | #REF! | 10 | BUH | 0.15873973726900506 | 10 BUH | 0.01706156832542766 | 11 | SOCABK | #REF! | 11 SOCABEL | #REF! | 12 | BICH | #REF! | 12 BICH | #REF! | 13 | SOCABEL | #REF! | 13 * Banque dessaisie le 25 février 2002 [somfinbilsys] Sept.19 | Sept.18 | Sept. 17 | Sept. 16 SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 15308215.301381344 | 0.11331011855729026 | 17042790.99208139 | 0 | 0 | 0 | 0 | -0.18599371725724437 | 20936928.072172258 | 0.41063749319563647 | 14842174.671496972 | 0.21247103420308375 | 12241261.23660532 | -0.0604591257162473 | 13028982.103559138 Avoirs à la BRH | 142092104.9653858 | 0.04027291589085715 | 147814568.35741162 | 0 | 0 | 0 | 0 | 0.09471467824931545 | 135025656.7252747 | 0.23709477272798876 | 109147382.805217 | 0.1269727407497038 | 96850064.65427738 | 0.11192481900399151 | 87101270.69654852 Avoirs à l'étranger | 18980430.49260113 | 0.34299038022302064 | 25490535.564055007 | 0 | 0 | 0 | 0 | 0.2598803151525163 | 20232505.62571828 | 1.2254090391693744 | 9091589.57728957 | -0.2061638585200904 | 11452728.217111113 | 0.4297939052254671 | 8010055.278075275 Avoirs dans les banques locales | 95975.19619566802 | 1.8420974741849385 | 272770.862692112 | 0 | 0 | 0 | 0 | 0.974774128386083 | 138127.626228848 | -0.8788853765284528 | 1140470.260895436 | -0.15755267546489427 | 1353758.5409565999 | 1.3923211331383907 | 565876.5966677133 Autres liquidités | 1416092.0780062957 | 0.2177551028144749 | 1724453.35404732 | 0 | 0 | 0 | 0 | 0.6665260295884904 | 1034759.327745474 | -0.4821236607532927 | 1998081.87655496 | 0.00803854798826314 | 1982148.2824664996 | 0.09949093725881314 | 1802787.2857308642 177892818.03357023 | 0.08124162209848144 | 192345119.13028747 | 0 | 0 | 0 | 0 | 0.0844410697727123 | 177367977.37713957 | 0.30207288982375885 | 136219699.19145393 | 0.09961044681688762 | 123879960.93141691 | 0.12099460101397765 | 110508971.96058151 Bons B.R.H. | 6554000 | 1.0908910588953311 | 13703700 | 0 | 0 | 0 | 0 | 6.4476630434782605 | 1840000 | -0.8577942653991808 | 12939000 | 0.14839685520853757 | 11267011 | 0.07643790830940084 | 10466940 Bons du Trésor / M.E.F. | 8253833.17528 | 0.3691820224627485 | 11301000 | 0 | 0 | 0 | 0 | 0.35571328603750707 | 8335833.33319 | 0.7954625829652365 | 4642721.8324 | 1.403342536976618 | 1931776.99848 | -0.11426958565101497 | 2180998.83123 Autres Placements | 63213246.9889122 | 0.029103607910270276 | 65052980.54401258 | 0 | 0 | 0 | 0 | -0.03910844265975557 | 67700647.43214078 | 0.25753423219696425 | 53836027.440672494 | -0.09244347205307948 | 59319751.203223296 | 0.09080428216646796 | 54381663.303894594 Portefeuille net | 119328047.3551485 | 0.01304663418396545 | 120884876.73687802 | 0 | 0 | 0 | 0 | -0.030994096040310854 | 124751434.68466097 | 0.22038259522344747 | 102223216.86079066 | 0.1728123902171812 | 87160757.9468537 | 0.09654951507682188 | 79486385.930094 Immobilisations | 10937713.1436 | 0.025690962991146038 | 11218713.52718 | 0 | 0 | 0 | 0 | 0.03622206792230396 | 10826553.37545 | 0.07226507473117476 | 10096900.1328 | 0.11771238846897568 | 9033540.50377 | 0.0672067487208814 | 8464658.33785 Autres actifs | 12808357.225483432 | 0.044848634239566865 | 13382794.553898852 | 0 | 0 | 0 | 0 | 0.20320425206766535 | 11122629.039002296 | 0.22068340827293415 | 9111804.882102054 | -0.18132754498830217 | 11129976.129430002 | 0.8973825891270564 | 5865963.034134648 398988015.9219943 | 0.07243618208300548 | 427889184.492257 | 0 | 0 | 0 | 0 | 0.06454640409533566 | 401945075.24158365 | 0.221460006520873 | 329069370.34021914 | 0.08345306225712487 | 303722774.7131739 | 0.11927962988143419 | 271355581.39778477 PASSIF Dépôts À vue | 136232765.16785306 | 0.1351730561963229 | 154647764.38966772 | 0 | 0 | 0 | 0 | 0.08753503167981216 | 142200260.11557347 | 0.1906349238459129 | 119432293.86909571 | 0.05395034046490931 | 113318710.83832355 | 0.14348460962183046 | 99099463.06649457 Épargne | 107151818.22046462 | 0.04874246896159783 | 112374662.39425439 | 0 | 0 | 0 | 0 | 0.0821020306750559 | 103848490.44609116 | 0.2550529695619238 | 82744308.77793108 | 0.1063927913699494 | 74787461.94240478 | 0.06889936135342738 | 69966794.48634884 À terme | 77662943.41145785 | 0.04501988130473854 | 81159319.90561831 | 0 | 0 | 0 | 0 | 0.03454241942871005 | 78449484.8944287 | 0.20034062165813882 | 65356019.348957255 | 0.17846322053235314 | 55458683.99646249 | 0.06960873420623524 | 51849505.54617413 321047526.79977554 | 0.08451776645109423 | 348181746.6895404 | 0 | 0 | 0 | 0 | 0.07298502317018486 | 324498235.4560933 | 0.2129295972771665 | 267532621.99598402 | 0.09840403716665293 | 243564856.77719083 | 0.10252366495016321 | 220915763.09901753 Obligations à vue Banques locales | 400000 | -1 | 0 | 0 | 0 | 0 | 0 | -1 | 400000 | -0.8117010008245831 | 2124281.0729300003 | -0.09381830926488884 | 2344210.98401 | 0.590904330228142 | 1473508.45646 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 Autres | 13600475.63742289 | 0.08930438889151876 | 14815057.80285693 | 0 | 0 | 0 | 0 | 0.05075485499203264 | 14099442.63637903 | 0.6913444045749774 | 8336233.943980273 | -0.22167663312105804 | 10710501.956800258 | 0.5174397942406869 | 7058271.436831335 14000475.63742289 | 0.058182463691210905 | 14815057.80285693 | 0 | 0 | 0 | 0 | 0.021767399919637127 | 14499442.63637903 | 0.38611173665345355 | 10460515.016910274 | -0.19871734718810077 | 13054712.940810258 | 0.41606178541059247 | 9219027.782057542 Obligations à terme Banques locales | 15563037.88373 | 0.019794580663589873 | 15871101.692489998 | 0 | 0 | 0 | 0 | -0.0014545912499589072 | 15894221.287699997 | 0.7511995793061917 | 9076190.67268 | 0.23654504556426634 | 7339959.59568 | 0.8598289701578085 | 3946577.73024 Banque à l'étranger | 592.90439 | 661.3055804494887 | 392683.88617 | 0 | 0 | 0 | 0 | 594.2151682296847 | 659.73434 | -0.9996995103441091 | 2195530.95112 | 0.38687793837260204 | 1583074.39348 | -0.059353988167959636 | 1682965.0831100002 Autres | 8166243.340956504 | -0.08981017397701678 | 7432831.605766546 | 0 | 0 | 0 | 0 | 0.07892515661126179 | 6889107.701512799 | 0.3037422653565075 | 5284102.45228107 | -0.13341106728331595 | 6097588.2021893 | 0.08978685908100306 | 5595211.71629036 23729874.129076503 | -0.001401480027625051 | 23696617.184426546 | 0 | 0 | 0 | 0 | 0.04005569314254117 | 22783988.723552797 | 0.3761917630225263 | 16555824.076081071 | 0.10220627782089647 | 15020622.191349301 | 0.3381693249224719 | 11224754.529640362 Autres passifs | 6006989.432285827 | 0.21766313706654908 | 7314489.596442768 | 0 | 0 | 0 | 0 | 0.14640250041640604 | 6380385.243216006 | 0.22199715231366923 | 5221276.687212977 | 0.12053651410256067 | 4659622.084153772 | -0.13806339018836183 | 5405991.61366641 364784865.9985607 | 0.08011035544117444 | 394007911.2732666 | 0 | 0 | 0 | 0 | 0.07020239883350778 | 368162052.0592411 | 0.2281474464923859 | 299770237.7761884 | 0.08494549251935435 | 276299813.99350417 | 0.11968558221403555 | 246765537.02438188 AVOIR DES ACTIONNAIRES Capital versé | 13011994.76157 | 0.11509861227605461 | 14509657.301569998 | 0 | 0 | 0 | 0 | 0.11939614200138414 | 12962039.76157 | -0.0022020710292995683 | 12990646.08697 | 0.04997540071775057 | 12372333.75 | 0.605190879037211 | 7707702.49917 Réserves | 6090721.722209999 | -0.2905600142716522 | 4321001.53168 | 0 | 0 | 0 | 0 | -0.27941476128281906 | 5996516.85812 | 0.24438547225760932 | 4818857.97593 | 0.08643191474071059 | 4435490.07586 | 0.3611220667307452 | 3258701.1733 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 160000 | 0 | 0 | 0 | 0 | 6.25000390661624e-07 | 159999.9 | -0.17525824742268045 | 194000 | -0.24403742667344083 | 256626.46120999998 | 0.014286504188433267 | 253011.80697 Surplus d'apport | 1562122.78412 | -0.2446331582925326 | 1179975.7538000003 | 0 | 0 | 0 | 0 | -0.24481125076364962 | 1562491.1719 | 0.0031615761079053705 | 1557566.8059 | 1.439654691886571 | 638437.4030800001 | 0.3079317264896431 | 488127.46885000006 BNR | 13378310.59721 | 0.024840808803486398 | 13710638.652868949 | 0 | 0 | 0 | 0 | 0.04645583155792126 | 13101975.486588003 | 0.3454397660104336 | 9738061.723445745 | 0.0018506702954555752 | 9720073.072939998 | -0.24548247672754428 | 12882501.430559998 34203149.865109995 | -0.009410730487117745 | 33881273.23991895 | 0 | 0 | 0 | 0 | 0.002908267304046563 | 33783023.178178005 | 0.15303833899570668 | 29299132.592245743 | 0.06841609282689057 | 27422960.76309 | 0.11520582641471785 | 24590044.378849998 398988015.8636707 | 0.0724361822922271 | 427889184.51318556 | 0 | 0 | 0 | 0 | 0.06454640415843355 | 401945075.2374191 | 0.22146000640348742 | 329069370.36843413 | 0.08345306219513143 | 303722774.7565942 | 0.11927963001897858 | 271355581.40323186 Hors-bilan Effets à l'encaissement | 1154877.58627121 | 1229101.580252692 | 0 | 0 | 1158998.117186356 | 957140.516234722 | 740077.8550473 | 111672.726774491 Crédit documentaire | 3231281.675629098 | 3603893.303490064 | 0 | 0 | 3511756.937318244 | 2897345.985376848 | 2393797.4631891 | 2399450.3064578963 Autres | 21156567.930861395 | 20386996.885098785 | 0 | 0 | 20358721.079468198 | 21432265.453924444 | 11985685.4212054 | 7536052.368239503 Portefeuille brut | 123561635.98431234 | 0.021082426668050918 | 126166615.113936 | 0 | 0 | 0 | 0 | -0.019440644150774983 | 128668003.99315748 | 0.23052788207132727 | 104563257.66188471 | 0.16777067813532764 | 89540917.2534193 | 0.09280035111390582 | 81937123.42986444 Provisions pour créances douteuses | 4233588.629163844 | 0.24757949808201893 | 5281738.3770579705 | 0 | 0 | 0 | 0 | 0.34856246909760896 | 3916569.3084965115 | 0.6737183841689384 | 2340040.801094044 | -0.01685538667974461 | 2380159.3065656 | -0.02879875678706656 | 2450737.4997704322 Portefeuille de crédit improductif | 8514197.516210964 | -0.011001813311256419 | 8420525.904642448 | 0 | 0 | 0 | 0 | 0.0012944342049485552 | 8409640.178743772 | 2.157719483047736 | 2663200.523001188 | 0.013574335507895198 | 2627533.5016909996 | -0.05542723782667611 | 2781716.3557050163 Graphe Dépots US | 217155798.96756548 | 230957934.61265042 | 230957934.61265042 | 230957934.61265042 | 0.028530520088146532 | 224551367.3166033 | 0.3193737626972472 | 164049831.25546405 | 0.054226199415042545 | 155611605.314391 | 0.12237445836659605 | 138644998.693978 Graphe Bons BRH | Sept. 16 | Sept. 17 | Sept. 18 | Sept. 19 | Déc. 19 | Mars 20 | Juin 20 | Sept. 20 10466940 | 11267011 | 12939000 | 1840000 | 6554000 | 13703700 | 0 | 0 immobilisations/Avoir des Actionnaires | 0.3197867210106681 | 0.3311184159974868 | #DIV/0! | #DIV/0! liquidites/actif | 0.48297353183290825 | 0.5079581980745779 | #DIV/0! | #DIV/0! liquidites/depot | 0.6002246867611907 | 0.62424242855008 | #DIV/0! | #DIV/0! comm/sal | 0.627375275655106 | 0.6511288497695503 | #DIV/0! | #DIV/0! [sofibilcompsys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 15308215.301381344 | 0.03836760677136286 | 17042790.99208139 | 0.03982991767437345 | 0 | 0 | 0 | 0 | 20936928.072172258 | 0.05208902748612706 | 14842174.671496972 | 0.045103482758519595 | 12241261.23660532 | 0.04030406099169078 | 13028982.103559138 | 0.0480144246027493 Avoirs à la BRH | 142092104.9653858 | 0.3561312603262902 | 147814568.35741162 | 0.3454505832691512 | 0 | 0 | 0 | 0 | 135025656.7252747 | 0.33593061600299334 | 109147382.805217 | 0.3316850264501111 | 96850064.65427738 | 0.3188765305655445 | 87101270.69654852 | 0.3209857348350071 Avoirs à l'étranger | 18980430.49260113 | 0.047571430055964314 | 25490535.564055007 | 0.059572750347271934 | 0 | 0 | 0 | 0 | 20232505.62571828 | 0.05033649339666074 | 9091589.57728957 | 0.027628185412364368 | 11452728.217111113 | 0.03770783481063184 | 8010055.278075275 | 0.029518667855713637 Avoirs dans les banques locales | 95975.19619566802 | 0.00024054656372043018 | 272770.862692112 | 0.0006374801527544756 | 0 | 0 | 0 | 0 | 138127.626228848 | 0.0003436480124699333 | 1140470.260895436 | 0.0034657441976940102 | 1353758.5409565999 | 0.004457217744816951 | 565876.5966677133 | 0.002085369292029358 Autres liquidités | 1416092.0780062957 | 0.003549209553910898 | 1724453.35404732 | 0.0040301400842687705 | 0 | 0 | 0 | 0 | 1034759.327745474 | 0.0025743799127867055 | 1998081.87655496 | 0.006071916916755812 | 1982148.2824664996 | 0.0065261759982878365 | 1802787.2857308642 | 0.006643634438785055 177892818.03357023 | 0.4458600532712487 | 192345119.13028747 | 0.4495208715278199 | 0 | 0 | 0 | 0 | 177367977.37713957 | 0.4412741648110378 | 136219699.19145393 | 0.4139543557354449 | 123879960.93141691 | 0.4078718201109719 | 110508971.96058151 | 0.4072478310242844 Bons B.R.H. | 6554000 | 0.01642655853924536 | 13703700 | 0.03202628273079891 | 0 | 0 | 0 | 0 | 1840000 | 0.00457773987874859 | 12939000 | 0.03931997677760951 | 11267011 | 0.037096365297729826 | 10466940 | 0.038572783158111405 Bons du Trésor / M.E.F. | 8253833.17528 | 0.02068692002241415 | 11301000 | 0.026411043815959084 | 0 | 0 | 0 | 0 | 8335833.33319 | 0 | 4642721.8324 | 0.014108641675157945 | 1931776.99848 | 0.006360329745783168 | 2180998.83123 | 0 Autres Placements | 63213246.9889122 | 0.15843394905693345 | 65052980.54401258 | 0.1520323086015972 | 0 | 0 | 0 | 0 | 67700647.43214078 | 0 | 53836027.440672494 | 0.16360084618332102 | 59319751.203223296 | 0.19530886763181646 | 54381663.303894594 | 0.2004073880617019 Portefeuille net | 119328047.3551485 | 0.2990767707130286 | 120884876.73687802 | 0.28251444794128827 | 0 | 0 | 0 | 0 | 124751434.68466097 | 0.31036935732993076 | 102223216.86079066 | 0.31064336603283327 | 87160757.9468537 | 0.2869747190646652 | 79486385.930094 | 0.29292334994788094 Immobilisations | 10937713.1436 | 0.027413638272630273 | 11218713.52718 | 0.02621873591054277 | 0 | 0 | 0 | 0 | 10826553.37545 | 0.026935404965324795 | 10096900.1328 | 0.0306831964408021 | 9033540.50377 | 0.029742716898003403 | 8464658.33785 | 0.031193971740870567 Autres actifs | 12808357.225483432 | 0.032102110124499525 | 13382794.553898852 | 0.03127630947199374 | 0 | 0 | 0 | 0 | 11122629.039002296 | 0.02767201223280865 | 9111804.882102054 | 0.027689617154831262 | 11129976.129430002 | 0.036645181251029973 | 5865963.034134648 | 0.02161725586744292 398988015.9219943 | 1 | 427889184.492257 | 1 | 0 | 0 | 0 | 0 | 401945075.24158365 | 1 | 329069370.34021914 | 1 | 303722774.7131739 | 1 | 271355581.39778477 | 1 PASSIF Dépôts À vue | 136232765.16785306 | 0.3414457570938365 | 154647764.38966772 | 0.3614201293102939 | 0 | 0 | 0 | 0 | 142200260.11557347 | 0.35378032690189304 | 119432293.86909571 | 0.3629395642189874 | 113318710.83832355 | 0.3730991557855288 | 99099463.06649457 | 0.36520149154854853 Épargne | 107151818.22046462 | 0.2685589891036069 | 112374662.39425439 | 0.2626256200600179 | 0 | 0 | 0 | 0 | 103848490.44609116 | 0.25836487829506166 | 82744308.77793108 | 0.2514494396497102 | 74787461.94240478 | 0.24623593674538125 | 69966794.48634884 | 0.25784173712566216 À terme | 77662943.41145785 | 0.1946498148120861 | 81159319.90561831 | 0.18967368853205252 | 0 | 0 | 0 | 0 | 78449484.8944287 | 0.19517463884158226 | 65356019.348957255 | 0.19860863769054773 | 55458683.99646249 | 0.18259639583773687 | 51849505.54617413 | 0.19107587645365973 321047526.79977554 | 0.8046545610095296 | 348181746.6895404 | 0.8137194379023642 | 0 | 0 | 0 | 0 | 324498235.4560933 | 0.807319844038537 | 267532621.99598402 | 0.8129976415592453 | 243564856.77719083 | 0.801931488368647 | 220915763.09901753 | 0.8141191051278704 Obligations à vue Banques locales | 400000 | 0.001002536377128188 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0.0009951608432062153 | 2124281.0729300003 | 0.00645542023778677 | 2344210.98401 | 0.007718258817514747 | 1473508.45646 | 0.005430175597899197 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 0.002532646961695472 Autres | 13600475.63742289 | 0.03408742893190532 | 14815057.80285693 | 0.03462358559129466 | 0 | 0 | 0 | 0 | 14099442.63637903 | 0.03507803305689154 | 8336233.943980273 | 0.025332755629494122 | 10710501.956800258 | 0.03526407253099447 | 7058271.436831335 | 0.026011152600854355 14000475.63742289 | 0.03508996530903351 | 14815057.80285693 | 0.03462358559129466 | 0 | 0 | 0 | 0 | 14499442.63637903 | 0.03607319390009776 | 10460515.016910274 | 0.031788175867280895 | 13054712.940810258 | 0.04298233134850921 | 9219027.782057542 | 0.03397397516044902 Obligations à terme Banques locales | 15563037.88373 | 0.03900627904265854 | 15871101.692489998 | 0.03709161686646277 | 0 | 0 | 0 | 0 | 15894221.287699997 | 0.039543266646934264 | 9076190.67268 | 0.027581390098070455 | 7339959.59568 | 0.02416664210516193 | 3946577.73024 | 0.014543934235333249 Banque à l'étranger | 592.90439 | 1.4860205478349957e-06 | 392683.88617 | 0.0009177233274450898 | 0 | 0 | 0 | 0 | 659.73434 | 1.6413544552162396e-06 | 2195530.95112 | 0.006671939563533605 | 1583074.39348 | 0.005212234726141314 | 1682965.0831100002 | 0.006202065476010656 Autres | 8166243.340956504 | 0.02046739003447431 | 7432831.605766546 | 0.017370926574333756 | 0 | 0 | 0 | 0 | 6889107.701512799 | 0.01713942557293977 | 5284102.45228107 | 0.016057715875585528 | 6097588.2021893 | 0.020076163889743426 | 5595211.71629036 | 0.02061948270040646 23729874.129076503 | 0.059475155097680685 | 23696617.184426546 | 0.055380266768241614 | 0 | 0 | 0 | 0 | 22783988.723552797 | 0.056684333574329254 | 16555824.076081071 | 0.05031104553718959 | 15020622.191349301 | 0.04945504072104667 | 11224754.529640362 | 0.04136548241175037 Autres passifs | 6006989.432285827 | 0.015055563557227859 | 7314489.596442768 | 0.01709435494407812 | 0 | 0 | 0 | 0 | 6380385.243216006 | 0.015873773896548333 | 5221276.687212977 | 0.015866796359122665 | 4659622.084153772 | 0.015341694703514316 | 5405991.61366641 | 0.01992216849131868 364784865.9985607 | 0.9142752449734716 | 394007911.2732666 | 0.9208176452059785 | 0 | 0 | 0 | 0 | 368162052.0592411 | 0.9159511454095123 | 299770237.7761884 | 0.9109636593228385 | 276299813.99350417 | 0.9097105551417172 | 246765537.02438188 | 0.9093807311913886 AVOIR DES ACTIONNAIRES Capital versé | 13011994.76157 | 0.03261249521868837 | 14509657.301569998 | 0.033909848221070335 | 0 | 0 | 0 | 0 | 12962039.76157 | 0.032248286046991224 | 12990646.08697 | 0.03947692267298897 | 12372333.75 | 0.04073561411943519 | 7707702.49917 | 0.028404436936460678 Réserves | 6090721.722209999 | 0.015265425223700927 | 4321001.53168 | 0.010098412599064402 | 0 | 0 | 0 | 0 | 5996516.85812 | 0.01491874693206746 | 4818857.97593 | 0.014643897032859258 | 4435490.07586 | 0.014603745405818628 | 3258701.1733 | 0.012008970504730524 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0.00040101455085127523 | 160000 | 0.00037392859132408224 | 0 | 0 | 0 | 0 | 159999.9 | 0.00039806408849227525 | 194000 | 0 | 256626.46120999998 | 0 | 253011.80697 | 0.0009323994946656567 Surplus d'apport | 1562122.78412 | 0.003915212291552658 | 1179975.7538000003 | 0.002757666696343789 | 0 | 0 | 0 | 0 | 1562491.1719 | 0.0038873250803256785 | 1557566.8059 | 0 | 638437.4030800001 | 0 | 488127.46885000006 | 0.0017988480883112763 BNR | 13378310.59721 | 0.03353060759555639 | 13710638.652868949 | 0.032042498735129994 | 0 | 0 | 0 | 0 | 13101975.486588003 | 0.032596432432250196 | 9738061.723445745 | 0.029592732114136697 | 9720073.072939998 | 0.03200310902637882 | 12882501.430559998 | 0.04747461380451696 34203149.865109995 | 0.08572475488034961 | 33881273.23991895 | 0.0791823548429326 | 0 | 0 | 0 | 0 | 33783023.178178005 | 0.08404885458012684 | 29299132.592245743 | 0.0890363407629032 | 27422960.76309 | 0.09028944500124288 | 24590044.378849998 | 0.0906192688286851 398988015.8636707 | 0.9999999998538212 | 427889184.51318556 | 1.000000000048911 | 0 | 0 | 0 | 0 | 401945075.2374191 | 0.9999999999896391 | 329069370.36843413 | 1.0000000000857419 | 303722774.7565942 | 1.00000000014296 | 271355581.40323186 | 1.0000000000200737 [sofibilgdes&$ ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 8465983.84147139 | 8576807.15061 | 17042790.99208139 | 0.49674867487402447 | 15148984.42253226 | 5787943.6496399995 | 20936928.07217226 | 0.7235533489111573 Avoirs à la BRH | 93460348.01998162 | 54354220.33743 | 147814568.35741162 | 0.6322810333146394 | 85165521.64694472 | 49860135.07833 | 135025656.7252747 | 0.6307358446715339 Avoirs à l'étranger | 25490535.56405501 | 0 | 25490535.56405501 | 1 | 20232505.62571828 | 0 | 20232505.62571828 | 1 Avoirs dans les banques locales | 201795.777772112 | 70975.08492 | 272770.862692112 | 0.7397996097548272 | 107966.37913884799 | 30161.24709 | 138127.62622884798 | 0.7816421818468867 Autres liquidités | 906366.3814173201 | 818086.97263 | 1724453.35404732 | 0.5255963458159442 | 568228.9175154739 | 466530.41023 | 1034759.327745474 | 0.5491411406297994 128525029.58469746 | 63820089.54559 | 192345119.13028747 | 0.6682001090843348 | 121223206.99184957 | 56144770.385290004 | 177367977.37713957 | 0.683455992363781 Bons B.R.H. | 0 | 13703700 | 13703700 | 0 | 0 | 1840000 | 1840000 | 0 Bons du Trésor / M.E.F. | 0 | 11301000 | 11301000 | 0 | 0 | 435835.3746185715 | 435835.3746185715 | 0 Autres Placements | 47762751.43912257 | 17290229.104890004 | 65052980.54401258 | 0.7342131142908658 | 48823623.16868079 | 26777022.22203143 | 75600645.39071222 | 0.645809608057644 Portefeuille net | 67616134.21022287 | 53268742.52665515 | 120884876.73687802 | 0.5593432035125316 | 68007241.18060097 | 56744193.50406 | 124751434.68466097 | 0.5451419565033901 Immobilisations | 0 | 11218713.527180001 | 11218713.527180001 | 0 | 0 | 10826553.37545 | 10826553.37545 | 0 Autres actifs | 5095827.996919364 | 8286966.556979489 | 13382794.553898852 | 0.38077458160147726 | 2912438.174086344 | 8210190.764915952 | 11122628.939002296 | 0.26184800284703114 248999743.23096228 | 178889441.26129466 | 427889184.49225694 | 0.5819257701650745 | 240966509.51521766 | 160978565.62636596 | 401945075.1415836 | 0.5995010871332063 PASSIF Dépôts À vue | 100673926.21717772 | 53973838.17249 | 154647764.38966772 | 0.6509885649785954 | 102125462.31607348 | 40074797.799499996 | 142200260.11557347 | 0.7181805591148065 Épargne | 70866327.05140439 | 41508335.34285 | 112374662.39425439 | 0.630625494586827 | 65600707.46745116 | 38247782.97864 | 103848490.44609116 | 0.6316963028124629 À terme | 59417681.34406832 | 21741638.56155 | 81159319.90561831 | 0.7321116220930172 | 56825197.53307871 | 21624287.36135 | 78449484.8944287 | 0.7243539917381191 230957934.61265042 | 117223812.07688999 | 348181746.6895404 | 0.6633257969682894 | 224551367.31660333 | 99946868.13949 | 324498235.4560933 | 0.6919956498407109 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 400000 | 400000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7668052.863226932 | 7147004.93963 | 14815057.802856931 | 0.5175850789963321 | 7328261.760159029 | 6771180.87622 | 14099442.63637903 | 0.519755422193132 7668052.863226932 | 7147004.93963 | 14815057.802856931 | 0.5175850789963321 | 7328261.760159029 | 7171180.87622 | 14499442.63637903 | 0.505416790420099 Obligations à terme Banques locales | 2008442.4 | 13862659.29249 | 15871101.69249 | 0 | 1866324 | 14027897.2877 | 15894221.2877 | 0.11742154373075736 Banque à l'étranger | 392683.88617 | 0 | 392683.88617 | 1 | 659.73434 | 0 | 659.73434 | 1 Autres | 3648324.06489128 | 3784507.5408752663 | 7432831.605766546 | 0.49083905816739265 | 3291048.788362798 | 3598058.91315 | 6889107.701512798 | 0.47771771482685743 6049450.35106128 | 17647166.833365265 | 23696617.184426546 | 0.2552875080852042 | 5158032.522702798 | 17625956.20085 | 22783988.723552797 | 0.22638847768436246 Autres passifs | 4575522.213842768 | 2738967.3826000006 | 7314489.596442768 | 0.6255422409880748 | 3709586.194186006 | 2670799.02903 | 6380385.2232160065 | 0.5814047372387657 249250960.0407814 | 144756951.23248526 | 394007911.2732666 | 0.6326039475585856 | 240747247.79365113 | 127414804.24558999 | 368162052.03924114 | 0.6539165198046829 AVOIR DES ACTIONNAIRES Capital versé | 0 | 14509657.30157 | 14509657.30157 | 0 | 0 | 12962039.76157 | 12962039.76157 | 0 Réserves | 0 | 4321001.53168 | 4321001.53168 | 0 | 0 | 5996516.85812 | 5996516.85812 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 160000 | 160000 | 159999.9 | 159999.9 Surplus d'apport | 0 | 1179975.7538000003 | 1179975.7538000003 | 0 | 0 | 1562491.1719 | 1562491.1719 | 0 BNR | 0 | 13710638.652868949 | 13710638.652868949 | 0 | 0 | 13101975.486588003 | 13101975.486588003 | 0 0 | 33881273.23991895 | 33881273.23991895 | 0 | 0 | 33783023.178178005 | 33783023.178178005 | 0 249250960.0407814 | 178638224.4724042 | 427889184.5131856 | 0.5825128773104117 | 240747247.79365113 | 161197827.42376798 | 401945075.1174191 | 0.5989555854697867 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [somfinrésys] TRIM 1 20 | TRIM 1 19 | TRIM 2 20 | TRIM 2 19 | TRIM 3 20 | TRIM 3 19 | TRIM 4 20 | TRIM 4 19 | CUMUL 20 | CUMUL 19 SYSTÈME BANCAIRE SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 3768086.6713900003 | -0.10197339529832453 | 3383842.07973 | 0 | 0 | 0 | 0 | 3008227.6791899996 | 0.045359153837964 | 3144678.34127 | 0.06238522555879946 | 3340859.8089000005 | 0.22159865210978671 | 4081189.8394400002 Intérêts sur Bons B.R.H. | 197909.08164999998 | 0.625413253237639 | 321684.04425 | 0 | 0 | 0 | 0 | 376795.15267000004 | -0.34634714036328 | 246293.22904 | -0.5377466954988444 | 113849.859 | -0.49142249679905176 | 57901.47703 Autres | 838849.0653599999 | -0.06205190814352429 | 786796.88021 | 0 | 0 | 0 | 0 | 449619.64516689203 | 0.259361555038216 | 566233.695513108 | 0.23734334387343228 | 700625.49422 | 0.42264010623772585 | 996737.92753 4804844.8184 | -0.06504306091493488 | 4492323.00419 | 0 | 0 | 0 | 0 | 3834642.477026892 | 0.03196198590363571 | 3957205.265823108 | 0.05006813723009661 | 4155335.1621200005 | 0.2359602880697028 | 5135829.244000001 Dépenses d'intérêt | 1192472.4536300001 | -0.13097798861059648 | 1036284.8101799999 | 0 | 0 | 0 | 0 | 786158.94145 | 0.08339443862850189 | 851720.2250450001 | 0.16072367460543438 | 988611.82935 | 0.24873099661540077 | 1234510.23493 3612372.36477 | -0.04327742407860933 | 3456038.1940099997 | 0 | 0 | 0 | 0 | 3048483.535576892 | 0.018698314928057812 | 3105485.040778108 | 0.01971939686965887 | 3166723.33277 | 0.23197343092723985 | 3901319.0090700006 AUTRES REVENUS Commissions | 1111609.05103 | 0.0910766908529498 | 1212850.7249200002 | 0 | 0 | 0 | 0 | 1132508.76147 | -0.0486791808201479 | 1077379.1626900001 | 0.14956279078915555 | 1238514.9970000002 | -0.013022149024490327 | 1222386.87014 Gains sur change | 492803.7665 | 0.06398347158330892 | 524335.0622900004 | 0 | 0 | 0 | 0 | 562478.8307800001 | 0.13456756426732955 | 638170.2369900001 | -0.380121601728351 | 395587.9443299999 | -0.17327017400919775 | 327044.35238 Autres | 386662.5117112 | 1.766578574665803 | 1069732.220526671 | 0 | 0 | 0 | 0 | 839381.4497364 | 0.08863093986287544 | 913776.6165300001 | 0.31342518392122504 | 1200177.2206288301 | -0.32059023303928075 | 815412.1257789972 1991075.3292412001 | 0.4097497801885726 | 2806918.0077366717 | 0 | 0 | 0 | 0 | 2534369.0419864003 | 0.037467698133328835 | 2629326.0162100005 | 0.07794930886671017 | 2834280.1619588304 | -0.16562823250874242 | 2364843.348298997 PRODUIT NET BANCAIRE | 5603447.6940112 | 0.11769691514035806 | 6262956.201746671 | 0 | 0 | 0 | 0 | 5582852.577563292 | 0.02721878776371716 | 5734811.056988109 | 0.04641694993880488 | 6001003.494728831 | 0.044185753744865865 | 6266162.357368998 Dotation à la provision pour créances douteuses | 507691.39241000003 | -0.17328863042639822 | 419714.24634 | 0 | 0 | 0 | 0 | 159791.93955 | 0.5926363707499037 | 254490.45468000002 | 0.06232847817394604 | 270352.45743 | 1.5840406625520789 | 698601.74322 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5095756.3016012 | 0.14668787311720427 | 5843241.955406671 | 0 | 0 | 0 | 0 | 5423060.638013292 | 0.010558606682995386 | 5480320.6023081085 | 0.04567806395948657 | 5730651.03729883 | -0.028459318511689563 | 5567560.614148999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1771840.7055000002 | 0.05127355350173133 | 1862689.2747099998 | 0 | 0 | 0 | 0 | 1474788.4399 | 0.07272406109805989 | 1582041.0445100002 | 0.14920100151580332 | 1818083.1527899997 | 0.04451997852011873 | 1899024.1757000003 Frais de locaux | 286144.29077 | 0.07575637033214118 | 307821.54363000003 | 0 | 0 | 0 | 0 | 233779.50397999998 | 0.06039245727835304 | 247898.0226866667 | 0.06438001507111259 | 263857.7011233333 | 0.09665366615449315 | 289360.51528 Amortissement | 252022.22349 | 0.033866575025827676 | 260557.35303 | 0 | 0 | 0 | 0 | 230203.30761999998 | 0.0013712036254539951 | 230518.96323000002 | 0.026341880489638394 | 236591.26621000003 | 0.056420480450667505 | 249939.85912 Autres dépenses d'exploitation | 1368517.43657 | 0.07769759755235747 | 1474847.9535999997 | 0 | 0 | 0 | 0 | 1220933.02945 | 0.07736012374559255 | 1315384.5596933332 | 0.13543059787387607 | 1493527.8770466666 | 0.18570541518902442 | 1770884.09155 3678524.65633 | 0.061815942499856356 | 3905916.1249699993 | 0 | 0 | 0 | 0 | 3159704.2809500005 | 0.0684046005422428 | 3375842.59012 | 0.1292173421612333 | 3812059.99717 | 0.10418215998038757 | 4209208.641650001 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1417231.6452712002 | 0.36697895287678756 | 1937325.830436672 | 0 | 0 | 0 | 0 | 2263356.3570632916 | -0.07019590369822623 | 2104478.0121881086 | -0.08832925361192265 | 1918591.0401288304 | -0.2920054643808892 | 1358351.972498998 Impôts sur le revenu | 170616.50490600002 | 0.08059241366229919 | 184366.90084700007 | 0 | 0 | 0 | 0 | 337903.22565206763 | -0.15578356092207712 | 285263.4579129324 | -0.28187994528368576 | 204853.410005 | -1.1320634752691678 | -27053.653245999987 0 BÉNÉFICE NET | 1246615.1403652001 | 0.4061749074186094 | 1752958.929589672 | 0 | 0 | 0 | 0 | 1925453.131411224 | -0.05517588322608617 | 1819214.5542751763 | -0.05797937571655515 | 1713737.6301238304 | -0.1915882563395121 | 1385405.625744998 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) 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 | 2019 Revenus d'intérêt Prêts | 3768086.6713900003 | 0.2525935777589154 | 3008227.6791899996 | 3383842.07973 | 0.07605348226598328 | 3144678.34127 | 0 | 0 | 3340859.8089000005 | 0 | 0 | 4081189.8394400002 | 7151928.75112 | 0.16236599865786858 | 6152906.02046 | 13574955.6688 Intérêts sur Bons B.R.H. | 197909.08164999998 | -0.4747568267595783 | 376795.15267000004 | 321684.04425 | 0.30610185876346563 | 246293.22904 | 0 | 0 | 113849.859 | 0 | 0 | 57901.47703 | 519593.1259 | -0.16610044232564303 | 623088.3817100001 | 794839.71774 Autres | 838849.0653599999 | 0.8656859734156673 | 449619.64516689203 | 786796.88021 | 0.3895267739180068 | 566233.695513108 | 0 | 0 | 700625.49422 | 0 | 0 | 996737.92753 | 1625645.94557 | 0.6002762214492615 | 1015853.3406800001 | 2713216.76243 4804844.8184 | 0.25300985611710375 | 3834642.477026892 | 4492323.00419 | 0.13522617666273268 | 3957205.265823108 | 0 | 0 | 4155335.1621200005 | 0 | 0 | 5135829.244000001 | 9297167.82259 | 0.19319167024552297 | 7791847.742850001 | 17083012.14897 Dépenses d'intérêt | 1192472.4536300001 | 0.5168337988124782 | 786158.94145 | 1036284.8101799999 | 0.21669625741862414 | 851720.2250450001 | 0 | 0 | 988611.82935 | 0 | 0 | 1234510.23493 | 2228757.26381 | 0.36075805187720705 | 1637879.166495 | 3861001.2307750005 3612372.36477 | 0.18497355246053446 | 3048483.535576892 | 3456038.1940099997 | 0.11288193265424891 | 3105485.040778108 | 0 | 0 | 3166723.33277 | 0 | 0 | 3901319.0090700006 | 7068410.5587800015 | 0.14859386606855654 | 6153968.576355001 | 13222010.918195 AUTRES REVENUS Commissions | 1111609.05103 | -0.018454347684579642 | 1132508.76147 | 1212850.7249200002 | 0.12574176939876455 | 1077379.1626900001 | 0 | 0 | 1238514.9970000002 | 0 | 0 | 1222386.87014 | 2324459.77595 | 0.05184509609624212 | 2209887.92416 | 4670789.791300001 Gains sur change | 492803.7665 | -0.12387144274101893 | 562478.8307800001 | 524335.0622900004 | -0.178377442415547 | 638170.2369900001 | 0 | 0 | 395587.9443299999 | 0 | 0 | 327044.35238 | 1017138.8287900004 | -0.15284252818422497 | 1200649.06777 | 1923281.36448 Autres | 386662.5117112 | -0.539348276242431 | 839381.4497364 | 1069732.220526671 | 0.17067147613045835 | 913776.6165300001 | 0 | 0 | 1200177.2206288301 | 0 | 0 | 815412.1257789972 | 1456394.732237871 | -0.16927357534881554 | 1753158.0662664003 | 3768747.4126742277 1991075.3292412001 | -0.21437040294627918 | 2534369.0419864003 | 2806918.0077366717 | 0.06754278108983165 | 2629326.0162100005 | 0 | 0 | 2834280.1619588304 | 0 | 0 | 2364843.348298997 | 4797993.336977871 | -0.07082171140955469 | 5163695.0581964 | 10362818.568454228 PRODUIT NET BANCAIRE | 5603447.6940112 | 0.003688995215577925 | 5582852.577563292 | 6262956.201746671 | 0.09209460250917866 | 5734811.056988109 | 0 | 0 | 6001003.494728831 | 0 | 0 | 6266162.357368998 | 11866403.895757873 | 0.048485295103773494 | 11317663.634551402 | 23584829.48664923 Dotation à la provision pour créances douteuses | 507691.39241000003 | 2.17720276654593 | 159791.93955 | 419714.24634 | 0.6492337477559021 | 254490.45468000002 | 0 | 0 | 270352.45743 | 0 | 0 | 698601.74322 | 927405.63875 | 1.2385832747580525 | 414282.39423000003 | 1383236.59488 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5095756.3016012 | -0.060354172350172694 | 5423060.638013292 | 5843241.955406671 | 0.06622264999345365 | 5480320.6023081085 | 0 | 0 | 5730651.03729883 | 0 | 0 | 5567560.614148999 | 10938998.257007873 | 0.0032666028914734423 | 10903381.240321402 | 22201592.89176923 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1771840.7055000002 | 0.20142025633191296 | 1474788.4399 | 1862689.2747099998 | 0.1773963015522924 | 1582041.0445100002 | 0 | 0 | 1818083.1527899997 | 0 | 0 | 1899024.1757000003 | 3634529.9802099997 | 0.1889868240104017 | 3056829.48441 | 6773936.8129 Frais de locaux | 286144.29077 | 0.22399220589705712 | 233779.50397999998 | 307821.54363000003 | 0.241726498234616 | 247898.0226866667 | 0 | 0 | 263857.7011233333 | 0 | 0 | 289360.51528 | 593965.8344 | 0.233119258252295 | 481677.5266666667 | 1034895.7430699999 Amortissement | 252022.22349 | 0.09478107024429394 | 230203.30761999998 | 260557.35303 | 0.13030767351677358 | 230518.96323000002 | 0 | 0 | 236591.26621000003 | 0 | 0 | 249939.85912 | 512579.57652 | 0.11255654208841907 | 460722.27085 | 947253.39618 Autres dépenses d'exploitation | 1368517.43657 | 0.12087838035349324 | 1220933.02945 | 1474847.9535999997 | 0.12122948588042078 | 1315384.5596933332 | 0 | 0 | 1493527.8770466666 | 0 | 0 | 1770884.09155 | 2843365.3901699996 | 0.12106047063702896 | 2536317.589143333 | 5800729.557739999 3678524.65633 | 0.16419902916484655 | 3159704.2809500005 | 3905916.1249699993 | 0.15701962419733473 | 3375842.59012 | 0 | 0 | 3812059.99717 | 0 | 0 | 4209208.641650001 | 7584440.781299999 | 0.16049061094994102 | 6535546.871069999 | 14556815.50989 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1417231.6452712002 | -0.3738362760029267 | 2263356.3570632916 | 1937325.830436672 | -0.07942690813749194 | 2104478.0121881086 | 0 | 0 | 1918591.0401288304 | 0 | 0 | 1358351.972498998 | 3354557.4757078737 | -0.23198610750370388 | 4367834.369251402 | 7644777.381879231 Impôts sur le revenu | 170616.50490600002 | -0.49507287307851716 | 337903.22565206763 | 184366.90084700007 | -0.35369604576807656 | 285263.4579129324 | 0 | 0 | 204853.410005 | 0 | 0 | -27053.653245999987 | 354983.40575300006 | -0.43035560931753 | 623166.6835650001 | 828020.09357 BÉNÉFICE NET | 1246615.1403652001 | -0.35256012206772464 | 1925453.131411224 | 1752958.929589672 | -0.03641990689322638 | 1819214.5542751763 | 0 | 0 | 1713737.6301238304 | 0 | 0 | 1385405.625744998 | 2999574.0699548735 | -0.19897456283759715 | 3744667.685686402 | 6816757.288309231 Marge nette en % Revenu d'intérêt | 0.7518187373994962 | 0.7949850745774006 | 0.7693209483793897 | 0.7847672365138632 | #DIV/0! | 0.7620861396784122 | #DIV/0! | 0.7596278660603382 | 0.7602756768147578 | 0.7897957942006811 Frais d'exploitation en % Produit net bancaire | 0.6564752376044304 | 0.5659659174323198 | 0.6236537505851759 | 0.5886580318991318 | #DIV/0! | 0.6352370900164351 | #DIV/0! | 0.6717362879530208 | 0.639152421232802 | 0.5774643143764936 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 7151928.75112 | 0.16236599865786858 | 6152906.02046 | 13574955.668800002 | 0.28974560523689 | 10525297.092449998 | 0.10221107109532396 | 9549257.27791 | 0.052373139722001985 | 9074022.243129998 Intérêts sur Bons B.R.H. | 519593.1259 | -0.16610044232564303 | 623088.3817100001 | 794839.71774 | -0.48372035860421997 | 1539552.70363 | 0.3764514871167556 | 1118493.98111 | -0.04281938547760593 | 1168529.70499 Autres | 1625645.94557 | 0.6002762214492615 | 1015853.3406800001 | 2713216.76243 | 0.9477445944789268 | 1393004.38575 | 0.045313730158228135 | 1332618.4719099998 | 0.24683644045575712 | 1068799.74684 9297167.82259 | 0.19319167024552297 | 7791847.742850001 | 17083012.14897 | 0.269371173008731 | 13457854.181829998 | 0.1214532954883421 | 12000369.73093 | 0.06091385490887074 | 11311351.694959998 Dépenses d'intérêt | 2228757.26381 | 0.36075805187720705 | 1637879.166495 | 3861001.230775 | 0.32456912511129704 | 2914911.08888 | -0.06481787968917979 | 3116944.8448300003 | 0.11052950147940457 | 2806719.53395 7068410.5587800015 | 0.14859386606855654 | 6153968.576355001 | 13222010.918195 | 0.25411005272678355 | 10542943.092949998 | 0.18681063082400412 | 8883424.8861 | 0.04453957771702354 | 8504632.161009997 AUTRES REVENUS Commissions | 2324459.77595 | 0.05184509609624212 | 2209887.92416 | 4670789.791300001 | 0.08623806784063293 | 4299968.790990001 | 0.035991983616458355 | 4150581.1425099997 | 0.09751174549221599 | 3781810.22623 Gains sur change | 1017138.8287900004 | -0.15284252818422497 | 1200649.06777 | 1923281.3644799998 | -0.10300997058771345 | 2144150.21507 | 0.2911084900348542 | 1660704.9149 | 0.22718966000024615 | 1353258.5622500004 Autres | 1456394.732237871 | -0.16927357534881554 | 1753158.0662664003 | 3768747.4126742273 | 1.3530997022722424 | 1601609.7443873635 | -0.834444320179241 | 9674145.557080055 | 0.834772338656548 | 5272668.087073752 4797993.336977871 | -0.07082171140955469 | 5163695.0581964 | 10362818.568454228 | 0.2879900491149453 | 8045728.7504473645 | -0.48043238633924795 | 15485431.614490055 | 0.48787693229092494 | 10407736.875553753 PRODUIT NET BANCAIRE | 11866403.895757873 | 0.048485295103773494 | 11317663.634551402 | 23584829.48664923 | 0.26877432047553657 | 18588671.843397364 | -0.23719556381534496 | 24368856.500590056 | 0.28851422333591015 | 18912369.03656375 Dotation à la provision pour créances douteuses | 927405.63875 | 1.2385832747580525 | 414282.39423000003 | 1383236.59488 | 0.9381663545929539 | 713683.11167 | 0.7516557642478882 | 407433.42741 | -0.20175116382150854 | 510409.0465831839 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 10938998.257007873 | 0.0032666028914734423 | 10903381.240321402 | 22201592.89176923 | 0.24204793776246256 | 17874988.731727365 | -0.2540097189914074 | 23961423.073180057 | 0.30211255139270415 | 18401959.989980567 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3634529.9802099997 | 0.1889868240104017 | 3056829.48441 | 6773936.812899999 | 0.217408794003298 | 5564225.30071 | 0.121465999512354 | 4961563.9735217 | 0.1111218082155136 | 4465364.586345472 Frais de locaux | 593965.8344 | 0.233119258252295 | 481677.5266666667 | 1034895.7430700001 | 0.23340425680549703 | 839056.40617 | 0.05854950379052781 | 792647.3000699999 | 0.18441028136222454 | 669233.721239192 Amortissement | 512579.57652 | 0.11255654208841907 | 460722.27085 | 947253.39618 | 0.034603067251782166 | 915571.8034900001 | 0.17337981531807783 | 780285.96669 | 0.16755207470577008 | 668309.34876 Autres dépenses d'exploitation | 2843365.3901699996 | 0.12106047063702896 | 2536317.589143333 | 5800729.557739999 | 0.19419593256707113 | 4857435.3668 | 0.0553271902395891 | 4602776.66654 | 0.1796746698337549 | 3901733.913799 7584440.781299999 | 0.16049061094994102 | 6535546.871069999 | 14556815.509889998 | 0.19550510477649546 | 12176288.87717 | 0.09329167793133764 | 11137273.9068217 | 0.14762341569476733 | 9704641.570143662 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 3354557.4757078737 | -0.23198610750370388 | 4367834.369251402 | 7644777.381879233 | 0.34149500359552193 | 5698699.854557365 | -0.5556274509417913 | 12824149.166358357 | 0.4744946140075713 | 8697318.419836905 Impôts sur le revenu | 354983.40575300006 | -0.43035560931753 | 623166.6835650001 | 800966.4403240001 | 0.8456466041517587 | 433976.05940499995 | 0.47219818940911573 | 294781.00335063 | -0.5722561553269391 | 689153.1158699457 BÉNÉFICE NET | 2999574.0699548735 | -0.19897456283759715 | 3744667.685686402 | 6843810.941555233 | 0.29993732014143915 | 5264723.795152365 | -0.5798093146710962 | 12529368.163007727 | 0.5645741174699686 | 8008165.303966959 [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 | SOUS-TOTAL | SYSTÈME BILAN AU 31 MARS 2020 Actif | 88238604.70876002 | 5048156.8595199995 | 29775081.216125403 | 29833705 | 114192738.02929999 | 145635805.7989715 | 412724091.61267686 | 9022573.87958 | 9022573.87958 | 6142519 | 6142519 | 427889184.4922569 Bons B.R.H. | 6350000 | 754000 | 599700 | 200000 | 2400000 | 3400000 | 13703700 | 0 | 0 | 0 | 0 | 13703700 Prêts | 21515500.900000002 | 690378.5185499999 | 14611906.309788024 | 10865072 | 31712103.112940002 | 35962296.2653 | 115357257.10657802 | 4859412.630299999 | 4859412.630299999 | 668207 | 668207 | 120884876.73687802 Dépôts | 67577414.82774563 | 4300800.94081 | 23238451.036314562 | 24398744 | 92922887.86348927 | 125294199.16686094 | 337732497.8352204 | 5670053.85432 | 5670053.85432 | 4779195 | 4779195 | 348181746.6895404 Avoir des Actionnaires | 8312303 | -34324.091529999976 | 2661672.900548953 | 3056727 | 6854055.451559996 | 11892434.4421 | 32742868.70267895 | 708078.53724 | 708078.53724 | 430326 | 430326 | 33881273.23991895 AU 30 SEPTEMBRE 2019 Actif | 81491924.87383 | 4796004.353600001 | 28801421.49919239 | 30027870 | 105301379.00716 | 136911770.16667125 | 387330369.9004536 | 8363229.34113 | 8363229.34113 | 6251476 | 6251476 | 401945075.24158365 Bons B.R.H. | 1000000 | 540000 | 300000 | 0 | 0 | 0 | 1840000 | 0 | 0 | 0 | 0 | 1840000 Prêts | 21240071.6 | 735168.3774700001 | 15103214.604820965 | 11531934 | 32111842.915229995 | 38736782.90442001 | 119459014.40194097 | 4681835.28272 | 4681835.28272 | 610585 | 610585 | 124751434.68466097 Dépôts | 62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978933 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933 Avoir des Actionnaires | 7356448.9 | -43306.948929999955 | 2843166.031988 | 2859399 | 7520866.743490003 | 12099584.207400002 | 32636157.933948003 | 708640.24423 | 708640.24423 | 438225 | 438225 | 33783023.178178005 VARIATION Mars 20 /Sept. 19 Actif | 0.08278955056437279 | 0.05257553732842768 | 0.03380596047873241 | -0.006466159604394185 | 0.08443725149634959 | 0.06372012882223306 | 0.06556088467514071 | 0.07883850980952692 | 0.07883850980952692 | -0.01742900396642329 | -0.01742900396642329 | 0.06454640409533537 Bons B.R.H. | 5.35 | 0.3962962962962963 | 0.999 | 0 | 0 | 0 | 6.4476630434782605 | 0 | 0 | 0 | 0 | 6.4476630434782605 Prêts | 0.012967437454401083 | -0.060924626646945076 | -0.03253004793271722 | -0.0578274207951589 | -0.012448360666973869 | -0.0716240851999982 | -0.03433610528178193 | 0.037929003661323374 | 0.037929003661323374 | 0.09437179098733182 | 0.09437179098733182 | -0.030994096040310854 Dépôts | 0.08892562456991905 | 0.05850763856647325 | 0.04857959998674257 | 0.011853520359478637 | 0.07702913614609377 | 0.08026112839257957 | 0.07332932496145182 | 0.07426250715238365 | 0.07426250715238365 | 0.047755671329891676 | 0.047755671329891676 | 0.07298502317018486 Avoir des Actionnaires | 0.12993417245105848 | 0.20742300305014788 | -0.06383486908506121 | 0.06901030601185773 | -0.08866149536650053 | -0.017120403622903912 | 0.0032697099011138736 | -0.00079265465738588 | -0.00079265465738588 | -0.018024987164128016 | -0.018024987164128016 | 0.002908267304046563 RÉSULTATS TRIM 2 2020 (Janv. -Mars. 20) Revenus nets d'intérêt | 987067.03999 | 40734.81641 | 370534.42564000003 | 331104 | 776717.2181500001 | 814615.9584799998 | 3320773.4586699996 | 112951.73534 | 112951.73534 | 22313 | 22313 | 3456038.1940099997 Autres revenus | 246544.15000000002 | 7761.48811 | 180541.12177000032 | 390194 | 666598.975446671 | 1239644.01046 | 2731283.7457866715 | 17442.26195 | 17442.26195 | 58192 | 58192 | 2806918.0077366717 Dot. à la provision pr créances dout. | 150000 | 6000 | 40530.58921 | 20389 | 139188.53673 | 56028.28 | 412136.40593999997 | 7577.840399999999 | 7577.840399999999 | 0 | 0 | 419714.24633999995 Frais d'exploitation | 617420.65334 | 44607.326960000006 | 345394.07071 | 450812 | 1021648.3937799999 | 1277057.1134199998 | 3756939.55821 | 72732.56676 | 72732.56676 | 76244 | 76244 | 3905916.12497 Bénéfice net | 466190.5366499999 | -2111.022440000008 | 115605.62124300025 | 226205 | 241629.26308667113 | 665939.51026 | 1713458.908799671 | 36561.020789999995 | 36561.020789999995 | 2939 | 2939 | 1752958.929589671 TRIM 2 2019 (Janv. -Mars. 19) Revenus nets d'intérêt | 786221.6799999999 | 25306.298734999997 | 321195.49644310796 | 334073 | 718056.5432400001 | 816913.9217100001 | 3001766.9401281085 | 81943.10065 | 81943.10065 | 21775 | 21775 | 3105485.0407781084 Autres revenus | 244403 | 18093.67965 | 159101.6341 | 373883 | 637513.3939700001 | 1111261.53785 | 2544256.2455700003 | 12030.77064 | 12030.77064 | 73039 | 73039 | 2629326.01621 Dot. à la provision pr créances dout. | 65000 | 4276.35762 | 27587.14409 | 19252 | 126024.95297 | 9950 | 252090.45468 | 2400 | 2400 | 0 | 0 | 254490.45468 Frais d'exploitation | 545036 | 39830.41568 | 275044.87061 | 396372 | 940005.0998 | 1064750.02559 | 3261038.41168 | 59100.178439999996 | 59100.178439999996 | 55704 | 55704 | 3375842.59012 Bénéfice net | 420588.67999999993 | -706.7949150000059 | 124365.58109017558 | 266743 | 229539.88444000017 | 728016.4078800001 | 1768546.7584951757 | 23705.79578 | 23705.79578 | 26962 | 26962 | 1819214.5542751758 VARIATION TRIM 1 20 / TRIM 1 19 Revenus nets d'intérêt | 0.25545640001939407 | 0.6096710481672105 | 0.1536102770532814 | -0.00888727912761582 | 0.08169367087069834 | -0.0028129808648506634 | 0.10627291355546632 | 0.3784166628310276 | 0.3784166628310276 | 0.024707233065442022 | 0.024707233065442022 | 0.11288193265424874 Autres revenus | 0.008760735342855952 | -0.5710387129574276 | 0.13475340961315949 | 0.043625947154591144 | 0.045623482975856694 | 0.11552858461959056 | 0.0735096948439526 | 0.4498042122096344 | 0.4498042122096344 | -0.203274962691165 | -0.203274962691165 | 0.06754278108983185 Dot. à la provision pr créances dout. | 0 | 0.40306319844222954 | 0.4691839458906453 | 0.059058799085809265 | 0.1044522013282049 | 4.630982914572864 | 0.6348750945892021 | 2.1574335 | 2.1574335 | 0 | 0 | 0.6492337477559021 Frais d'exploitation | 0.1328071051086533 | 0.11993124345921985 | 0.255773539582753 | 0.13734572573239281 | 0.08685409685263493 | 0.19939618006804566 | 0.15206847756035016 | 0.23066577258882479 | 0.23066577258882479 | 0.36873474077265544 | 0.36873474077265544 | 0.15701962419733487 Bénéfice net | 0.10842388019097418 | -1.9867538591445446 | -0.07043717216923237 | -0.15197399744323187 | 0.05266787807341177 | -0.08526854195603828 | -0.031148653226662715 | 0.5422819435931205 | 0.5422819435931205 | -0.8909947333283881 | -0.8909947333283881 | -0.03641990689322664 RÉSULTATS CUMUL 2020 (Octobre 19 - Mars 20) Revenus nets d'intérêt | 2047743.3079900001 | 88309.48904000001 | 779393.46539 | 669206 | 1618049.80512 | 1602833.4917500005 | 6805535.559290001 | 216719.99949000005 | 216719.99949000005 | 46155 | 46155 | 7068410.5587800015 Autres revenus | 450457.45 | 22797.026630000004 | 328607.3094000004 | 822530 | 1261337.810267871 | 1767367.7168900003 | 4653097.313187871 | 30823.02379 | 30823.02379 | 114073 | 114073 | 4797993.336977871 Dot. à la provision pr créances dout. | 300000 | 12000 | 85424.98594 | 41852 | 361805.93923 | 111324.777 | 912407.70217 | 14997.93658 | 14997.93658 | 0 | 0 | 927405.6387499999 Frais d'exploitation | 1242345.18334 | 89951.02825 | 663660.9989400001 | 878784 | 2004141.87171 | 2406053.35621 | 7284936.43845 | 135980.34285000002 | 135980.34285000002 | 163524 | 163524 | 7584440.7813 Bénéfice net | 955855.5746500003 | 9155.48742000002 | 251240.35293700016 | 516254 | 437689.8044478707 | 761156.5874900011 | 2931351.8069448727 | 70492.26301000002 | 70492.26301000002 | -2270 | -2270 | 2999574.0699548726 CUMUL 2019 (Octobre 18- Mars 19) Revenus nets d'intérêt | 1539313.68 | 52821.47887500001 | 625312.42565 | 654572 | 1481915.38949 | 1619331.3899100001 | 5973266.363925 | 136731.21242999996 | 136731.21242999996 | 43971 | 43971 | 6153968.576355 Autres revenus | 505109 | 36610.062340000004 | 282662.10281 | 652977 | 1194243.1087164 | 2276328.82634 | 4947930.1002064 | 23970.957990000003 | 23970.957990000003 | 191794 | 191794 | 5163695.0581964 Dot. à la provision pr créances dout. | 65000 | 8652.4414 | 44807.689190000005 | 33483 | 244773.38481999998 | 27881 | 424597.51541 | -10315.12118 | -10315.12118 | 0 | 0 | 414282.39423 Frais d'exploitation | 1076955 | 75435.81478999999 | 531471.05092 | 773550 | 1810189.0405299999 | 2019028.1944799998 | 6286629.1007199995 | 113636.77035 | 113636.77035 | 135281 | 135281 | 6535546.871069999 Bénéfice net | 902467.6799999999 | 5343.285025000019 | 232187.05184499992 | 433290 | 479196.0728564006 | 1581023.8154500006 | 3633507.905176401 | 41887.78050999993 | 41887.78050999993 | 69272 | 69272 | 3744667.685686401 VARIATION CUMUL 20/ CUMUL 19 Revenus nets d'intérêt | 0.3302963097099223 | 0.6718480989330309 | 0.24640648965169024 | 0.022356593315937742 | 0.09186382474700563 | -0.010188092605872699 | 0.1393323425841874 | 0.5850075168531884 | 0.5850075168531884 | 0.04966910008869482 | 0.04966910008869482 | 0.1485938660685567 Autres revenus | -0.10819753756119964 | -0.3773016167445291 | 0.1625446288457135 | 0.25966151947158933 | 0.056181778284310833 | -0.2235885710186845 | -0.05958709622963961 | 0.2858486424638716 | 0.2858486424638716 | -0.40523165479629186 | -0.40523165479629186 | -0.07082171140955469 Dot. à la provision pr créances dout. | 0 | 0.38689179680546587 | 0.9064805055616391 | 0.24994773467132575 | 0.47812614306928325 | 2.9928545245866363 | 1.1488766868759477 | 2.4539758009900567 | 2.4539758009900567 | 0 | 0 | 1.2385832747580527 Frais d'exploitation | 0.1535720465014787 | 0.19241806428959254 | 0.24872464415733175 | 0.1360403335272445 | 0.10714506984486732 | 0.19168883465229583 | 0.15879851057471578 | 0.19662273427150428 | 0.19662273427150428 | 0.20877285058507847 | 0.20877285058507847 | 0.16049061094994116 Bénéfice net | 0.05915768047228061 | 0.7134566801440629 | 0.08206013617296613 | 0.19147453206859147 | -0.08661646194452015 | -0.5185672852920586 | -0.19324468710559742 | 0.6828836990580416 | 0.6828836990580416 | -1.0327693729068022 | -1.0327693729068022 | -0.1989745628375972 0 | 0 [sysratfinclé mars 20] 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 | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2020 | 0.09420256618331119 | -0.0067993314164298095 | 0.08939263275988853 | 0.10245884646241558 | 0.060021815483584935 | 0.08165872655324702 | 0.07933355325767283 | 0.07847855242754309 | 0.07847855242754309 | 0.07005692615684217 | 0.07005692615684217 | 0.0791823548429326 Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684 Dépôts en % de l'actif Au 31 mars 2020 | 0.7658486333820822 | 0.851954695642904 | 0.780466419810443 | 0.8178248058697369 | 0.8137372784567682 | 0.8603255118443255 | 0.8183009053713471 | 0.6284297507557721 | 0.6284297507557721 | 0.7780513173829825 | 0.7780513173829825 | 0.8137194379023642 Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2020 | 0.23414864928628235 | 0.7988521664770759 | 0.015891180976495802 | 0.008965554219023354 | 0.019390433983143454 | 0.008780948279076651 | 0.06427856110998192 | 0.1342088915881554 | 0.1342088915881554 | 0 | 0 | 0.06674131581510853 Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2020 | 0.25361719756326867 | 0.6100461869955214 | 2.231108488694012 | 0.8438677995802515 | 2.76039087169802 | 2.03944674254619 | 0.6566592256690548 | 0.2917588277083616 | 0.2917588277083616 | 0 | 0 | 0.6272456657542038 Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2020 | 0.4809180440125918 | -12.221811844831436 | -0.1113479378397061 | 0.005013532448269014 | -0.1668649038445832 | -0.028104007912528088 | 0.08117999520295544 | 0.6789100051581731 | 0.6789100051581731 | 0 | 0 | 0.09264077844295279 Au 30 septembre 2019 | 0.5889828175113131 | -10.483773688937786 | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2020 (janvier - mars 2020) | 0.021760657074730835 | -0.001678898383038154 | 0.015653605603897877 | 0.030304412109995685 | 0.008841594813664129 | 0.019074148687235958 | 0.01717366028238661 | 0.017142749879458727 | 0.017142749879458727 | 0.002020740956685737 | 0.002020740956685737 | 0.016959799387009047 TRIM 2 2019 (janvier-mars 2019) | 0.02268186722825861 | -0.0007165057403698273 | 0.020353999467605036 | 0.04026412525316922 | 0.009588939942352933 | 0.023389713002209225 | 0.020251810664455337 | 0.01244715147614746 | 0.01244715147614746 | 0.016944913006644226 | 0.016944913006644226 | 0.02003021729944826 CUMUL 2020 (octobre 2019 - mars 2020) | 0.022526426495002142 | 0.0037201696403743826 | 0.01715639147376415 | 0.03449651967894263 | 0.00797633777811305 | 0.010775623678789675 | 0.014655761316052673 | 0.016218350596774157 | 0.016218350596774157 | -0.0007326128500132524 | -0.0007326128500132524 | 0.014458665858972613 CUMUL 2019 (octobre 2018- mars 2019) | 0.025325366104606718 | 0.0028725536272824507 | 0.019604791364183943 | 0.03451236302714261 | 0.010313125142571856 | 0.02631730677899574 | 0.02157239921283147 | 0.011080685958427964 | 0.011080685958427964 | 0.022767405556161305 | 0.022767405556161305 | 0.02136684055363022 ROE (rendement de l'avoir des actionn.) TRIM 2 2020 (janvier - mars 2020) | 0.23081001833348017 | 0.2538157529211391 | 0.16397783591910184 | 0.29289911761559234 | 0.1313127199346995 | 0.23027969178714316 | 0.20843053712728732 | 0.20107861944078553 | 0.20107861944078553 | 0.02722273037779759 | 0.02722273037779759 | 0.20597474131614604 TRIM 2 2019 (janvier-mars 2019) | 0.24308228074071578 | 0.07663312624301806 | 0.18401497573904185 | 0.46150256114690935 | 0.12987602941060108 | 0.251103090571519 | 0.23143999613788266 | 0.13454945739224075 | 0.13454945739224075 | 0.25370448348949526 | 0.25370448348949526 | 0.22958426993536216 CUMUL 2020 (octobre 2019 - mars 2020) | 0.24401575332876393 | -0.4717436409843026 | 0.18255963963051966 | 0.34904868489954405 | 0.12179260479019192 | 0.12690163318222725 | 0.17934508711713718 | 0.19902965622254723 | 0.19902965622254723 | -0.010454193248295149 | -0.010454193248295149 | 0.17732093459868628 CUMUL 2019 (octobre 2018- mars 2019) | 0.27020038958153814 | -0.2677168440484297 | 0.17308863179837541 | 0.3862715753321618 | 0.13783092084902657 | 0.28306903452558985 | 0.24476006828732735 | 0.12408711777187649 | 0.12408711777187649 | 0.3494795417596319 | 0.3494795417596319 | 0.2434611690008509 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2020 (janvier - mars 2020) | 0.8403411263777026 | 0.6755788009069311 | 0.7480743635451061 | 0.7086728436679316 | 0.7524060485007702 | 0.7521764507030515 | 0.7699886047080241 | 0.7212921416479149 | 0.7212921416479149 | 0.9713974749673487 | 0.9713974749673487 | 0.7693209483793898 TRIM 2 2019 (janvier-mars 2019) | 0.8423629104488134 | 0.618182892741759 | 0.75813368793518 | 0.7706964050485733 | 0.783713647752467 | 0.7773973836780025 | 0.79025492854515 | 0.6008746961431273 | 0.75813368793518 | 0.9741421733100702 | 0.9741421733100702 | 0.7847672365138632 CUMUL 2020 (octobre 2019 - mars 2020) | 0.8389166965998596 | 0.6946614384549571 | 0.7512993238108773 | 0.6985397810245645 | 0.7491215437694093 | 0.7217119245908057 | 0.7608820557602168 | 0.7094931603408572 | 0.7094931603408572 | 0.9729336621766901 | 0.9729336621766901 | 0.7602756768147578 CUMUL 2019 (octobre 2018- mars 2019) | 0.8389116474585055 | 0.6263199473027965 | 0.7554784552531377 | 0.7742483401917842 | 0.7925301601901361 | 0.7938990169479706 | 0.7962299805104872 | 0.5584176849021352 | 0.5584176849021352 | 0.975897196883947 | 0.975897196883947 | 0.7897957942006811 Rendement moyen des prêts TRIM 2 2020 (janvier - mars 2020) | 0.09218677052809676 | 0.033864458885747656 | 0.1256322454387969 | 0.1599385843369144 | 0.10597950420248481 | 0.09845371495820776 | 0.10770703901531604 | 0.12341757816979888 | 0.12341757816979888 | 0.12140524177487454 | 0.12140524177487454 | 0.10840077772053833 TRIM 2 2019 (janvier-mars 2019) | 0.09431399997605562 | 0.040084249391138374 | 0.12706644950070067 | 0.15639523492477364 | 0.10227730200528151 | 0.10351228546965903 | 0.10867103731232967 | 0.113467457669822 | 0.113467457669822 | 0.10784674721345557 | 0.10784674721345557 | 0.10885839589444286 CUMUL 2020 (octobre 2019 - mars 2020) | 0.09421493062395758 | 0.030570398148414713 | 0.1317500317774254 | 0.1618447096677688 | 0.11399068874798436 | 0.10066507289616458 | 0.11189351364179032 | 0.11984454050642646 | 0.11984454050642646 | 0.12327571645740668 | 0.12327571645740668 | 0.11225992412144635 CUMUL 2019 (octobre 2018- mars 2019) | 0.09372509414291669 | 0.045565518764527586 | 0.1292097473675441 | 0.16266708927451967 | 0.1066307682083664 | 0.10655912998502658 | 0.11157019064057752 | 0.10472585694693781 | 0.10472585694693781 | 0.10348283567046077 | 0.10348283567046077 | 0.11125607874688788 Rendement moyen des prêts productifs TRIM 2 2020 (janvier - mars 2020) | 0.12143026524377346 | 0.16380291492225385 | 0.12734029101501654 | 0.1611738222099859 | 0.10818332170317632 | 0.09930066386778566 | 0.1152298049973537 | 0.1431319197488968 | 0.1431319197488968 | 0.12140524177487454 | 0.12140524177487454 | 0.11628646598523394 TRIM 2 2019 (janvier-mars 2019) | 0.10263897162361611 | 0.12410572452539662 | 0.12783048532478195 | 0.15709533019324295 | 0.10611945517601125 | 0.10367055789323434 | 0.11243490232756488 | 0.12773525471302927 | 0.12773525471302927 | 0.10784674721345557 | 0.10784674721345557 | 0.11297564272028743 CUMUL 2020 (octobre 2019 - mars 2020) | 0.12357552809983982 | 0.15094501450834905 | 0.13411280757851907 | 0.16320258967085843 | 0.1161343859239449 | 0.10149065703399461 | 0.11948386987087857 | 0.1387785422821374 | 0.1387785422821374 | 0.12327571645740668 | 0.12327571645740668 | 0.12019823428106376 CUMUL 2019 (octobre 2018- mars 2019) | 0.09997186543923463 | 0.1341754964290585 | 0.13000811613628088 | 0.1633065481107861 | 0.11039273485546712 | 0.1067026138590161 | 0.11502496992531225 | 0.12426626091368263 | 0.12426626091368263 | 0.10348283567046077 | 0.10348283567046077 | 0.11529268223578006 Rémunération moyenne des dépôts TRIM 2 2020 (janvier - mars 2020) | 0.011458452631423617 | 0.018190588227550767 | 0.021844890168263447 | 0.022732771377280844 | 0.011527305405605663 | 0.00897436012323441 | 0.012213295155460248 | 0.03241618404216323 | 0.03241618404216323 | 0.0006051442093421324 | 0.0006051442093421324 | 0.012387800130462097 TRIM 2 2019 (janvier-mars 2019) | 0.01014578183773737 | 0.01749431707018162 | 0.02332546952140637 | 0.01848949016666928 | 0.010265996118795466 | 0.008807214855897897 | 0.01121702953359048 | 0.04798125578668689 | 0.04798125578668689 | 0.0004731960628122746 | 0.0004731960628122746 | 0.01160651995870145 CUMUL 2020 (octobre 2019 - mars 2020) | 0.012132236354018989 | 0.018563847783927064 | 0.022731186419212047 | 0.023812911801728513 | 0.012095536139478927 | 0.010246110765574405 | 0.013113208841169328 | 0.032421018083637766 | 0.032421018083637766 | 0.0005498600244375095 | 0.0005498600244375095 | 0.013253001861009618 CUMUL 2019 (octobre 2018- mars 2019) | 0.010580342412497046 | 0.01880670281483534 | 0.02390202117357829 | 0.018614189548796307 | 0.010309459699045759 | 0.008199836143487245 | 0.011139429718524652 | 0.04819692575014714 | 0.04819692575014714 | 0.0004622285630863248 | 0.0004622285630863248 | 0.011548725564044425 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2020 (janvier - mars 2020) | 0.5004985836299077 | 0.9198087854633096 | 0.6267635577976874 | 0.6250010397921525 | 0.7078479395662455 | 0.621662853158241 | 0.6207706621549164 | 0.5577907593264487 | 0.5577907593264487 | 0.9470716104589777 | 0.9470716104589777 | 0.6236537505851759 TRIM 2 2019 (janvier-mars 2019) | 0.5288404310286845 | 0.9177519704426 | 0.5726556606719388 | 0.5598822525693687 | 0.6934390281143995 | 0.5522059832837881 | 0.58799581294385 | 0.6289001147735945 | 0.6289001147735945 | 0.5875081738983694 | 0.5875081738983694 | 0.5886580318991319 CUMUL 2020 (octobre 2019 - mars 2020) | 0.49729597566032474 | 0.8095927381717701 | 0.598971601861726 | 0.5891015568438384 | 0.6960305937969488 | 0.713919795067942 | 0.6357596512187293 | 0.5493200375766211 | 0.5493200375766211 | 1.0205706867713509 | 1.0205706867713509 | 0.639152421232802 CUMUL 2019 (octobre 2018- mars 2019) | 0.5267770752768209 | 0.8435034638243205 | 0.5853369607420804 | 0.5916030680303377 | 0.6764132400017467 | 0.5182762567582282 | 0.5756355653308904 | 0.7071265437984247 | 0.7071265437984247 | 0.5737959408733273 | 0.5737959408733273 | 0.5774643143764936 Productivité par employé ('000) TRIM 2 2020 (janvier - mars 2020) | 5829.231848741878 | 1515.50951625 | 5732.9055647334235 | 3668.3941513032423 | 4435.854609594072 | 6328.1015600770115 | 5101.302037261971 | 7144.876563835616 | 7144.876563835616 | 11298.947368421053 | 11298.947368421053 | 5168.521726219659 TRIM 2 2019 (janvier-mars 2019) | 5271.737493606138 | 1372.3313323320156 | 5473.471573140831 | 3780.8064085447263 | 3903.7291208351335 | 6080.174882333465 | 4754.413361078533 | 5079.668718378378 | 5079.668718378378 | 12641.866666666667 | 12641.866666666667 | 4809.065875881014 CUMUL 2020 (octobre 2019 - mars 2020) | 6195.16616984501 | 1689.8329379467684 | 5770.8373686979185 | 3771.772439949431 | 4392.65845215541 | 5221.070811216113 | 4860.501748665057 | 6645.450289395974 | 6645.450289395974 | 11244.070175438597 | 11244.070175438597 | 4925.8629704266805 CUMUL 2019 (octobre 2018- mars 2019) | 5215.363979591836 | 1391.9306025680935 | 5774.082851891892 | 3445.451910408432 | 3825.816294791137 | 6106.050495689656 | 4686.203159893327 | 4343.301903243242 | 4343.301903243242 | 15460 | 15460 | 4749.832602896402 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 [sysratfinclé dec. 19 ] 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 | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2019 | 0.09436117748672314 | -0.006428564913867153 | 0.10162776785899653 | 0.1044668421051927 | 0.07532580625835752 | 0.08410686751631948 | 0.08567328218073887 | 0.0928580302530783 | 0.0928580302530783 | 0.07889649336579027 | 0.07889649336579027 | 0.08572475488034964 Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684 Dépôts en % de l'actif Au 31 décembre 2019 | 0.7619414616792699 | 0.8585330637261857 | 0.7663555216093153 | 0.7864830077225882 | 0.8087229946706611 | 0.8525598271342133 | 0.8095354196720753 | 0.634507152796285 | 0.634507152796285 | 0.7111720634421281 | 0.7111720634421281 | 0.8046545610095294 Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2019 | 0.24763967655945274 | 0.7876574279054495 | 0.010855113704688618 | 0.006385091950170793 | 0.02138492347377597 | 0.008273772085254021 | 0.06631124449054607 | 0.14142684633938823 | 0.14142684633938823 | 0 | 0 | 0.06890648095086685 Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2019 | 0.2133166732280095 | 0.613967507096046 | 1.501234252109502 | 1.244602192859151 | 1.9146075871874517 | 1.876150408396283 | 0.5170574328718399 | 0.27011703919503677 | 0.27011703919503677 | 0 | 0 | 0.49723871464141217 Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2019 | 0.5564842107168224 | -12.683212813852007 | -0.026806988526566714 | -0.0055743027876959785 | -0.080584939165063 | -0.0232824582826041 | 0.11452112368370644 | 0.6680983058800134 | 0.6680983058800134 | 0 | 0 | 0.12515247583713598 Au 30 septembre 2019 | 0.5889828175113131 | -10.483773688937786 | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2020 (octobre - décembre 2019) | 0.02379299850038146 | 0.009190650593310024 | 0.01867338606244892 | 0.03873158011070086 | 0.0074782954241641286 | 0.0028151832432974384 | 0.012607811648673103 | 0.01654923014973896 | 0.01654923014973896 | -0.0035482765969820406 | -0.0035482765969820406 | 0.012451628273259576 TRIM 1 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.029050635152999014 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012 CUMUL 2020 (octobre - décembre 2019) | 0.02379299850038146 | 0.009190650593310024 | 0.01867338606244892 | 0.03873158011070086 | 0.0074782954241641286 | 0.0028151832432974384 | 0.012607811648673103 | 0.01654923014973896 | 0.01654923014973896 | -0.0035482765969820406 | -0.0035482765969820406 | 0.012451628273259576 CUMUL 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.019490123891151324 | 0.027284255396616375 | 0.011162017828076614 | 0.02905063515299901 | 0.02276806214743428 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022529713532723313 ROE (rendement de l'avoir des actionn.) TRIM 1 2020 (octobre - décembre 2019) | 0.25767501094667455 | -1.1934859292026445 | 0.18638972687884062 | 0.3879576227899974 | 0.10193133850554109 | 0.03263355241886675 | 0.14838910019142812 | 0.1865433048531802 | 0.1865433048531802 | -0.04781152584532389 | -0.04781152584532389 | 0.14669043242913027 TRIM 1 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.16779320088499758 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.25610076897032075 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25474847216008883 CUMUL 2020 (octobre - décembre 2019) | 0.25767501094667455 | -1.1934859292026445 | 0.18638972687884062 | 0.3879576227899974 | 0.10193133850554109 | 0.03263355241886675 | 0.14838910019142812 | 0.1865433048531802 | 0.1865433048531802 | -0.04781152584532389 | -0.04781152584532389 | 0.14669043242913027 CUMUL 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.16779320088499758 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.25610076897032075 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25474847216008883 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2020 (octobre - décembre 2019) | 0.8375954510608093 | 0.7118784669988987 | 0.7542461032491434 | 0.6888934167362823 | 0.7461146478069605 | 0.6927160144577232 | 0.7524022533979444 | 0.6970810691737223 | 0.6970810691737223 | 0.9743757407331726 | 0.9743757407331726 | 0.7518187373994961 TRIM 1 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.7526942308994241 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005 CUMUL 2020 (octobre - décembre 2019) | 0.8375954510608093 | 0.7118784669988987 | 0.7542461032491434 | 0.6888934167362823 | 0.7461146478069605 | 0.6927160144577232 | 0.7524022533979444 | 0.6970810691737223 | 0.6970810691737223 | 0.9743757407331726 | 0.9743757407331726 | 0.7518187373994961 CUMUL 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005 Rendement moyen des prêts TRIM 1 2020 (octobre - décembre 2019) | 0.0969628009835767 | 0.02774552620463863 | 0.142724664788435 | 0.16563600362995473 | 0.12557471374958676 | 0.10767786894146938 | 0.11949026882233647 | 0.11928635018216183 | 0.11928635018216183 | 0.1256456899245927 | 0.1256456899245927 | 0.11951289060957562 TRIM 1 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976 CUMUL 2020 (octobre - décembre 2019) | 0.0969628009835767 | 0.02774552620463863 | 0.142724664788435 | 0.16563600362995473 | 0.12557471374958676 | 0.10767786894146938 | 0.11949026882233647 | 0.11928635018216183 | 0.11928635018216183 | 0.1256456899245927 | 0.1256456899245927 | 0.11951289060957562 CUMUL 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976 Rendement moyen des prêts productifs TRIM 1 2020 (octobre - décembre 2019) | 0.12832445993179606 | 0.133358017075154 | 0.1449247266075275 | 0.1668140323013843 | 0.12806245291986645 | 0.10853389763512604 | 0.12773064533170714 | 0.13871878857439993 | 0.13871878857439993 | 0.1256456899245927 | 0.1256456899245927 | 0.12810858499327352 TRIM 1 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615 CUMUL 2020 (octobre - décembre 2019) | 0.12832445993179606 | 0.133358017075154 | 0.1449247266075275 | 0.1668140323013843 | 0.12806245291986645 | 0.10853389763512604 | 0.12773064533170714 | 0.13871878857439993 | 0.13871878857439993 | 0.1256456899245927 | 0.1256456899245927 | 0.12810858499327352 CUMUL 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615 Rémunération moyenne des dépôts TRIM 1 2020 (octobre - décembre 2019) | 0.013118688831550901 | 0.01841463685451675 | 0.023884095725704935 | 0.025654107235371242 | 0.013414077993527418 | 0.012164487680102481 | 0.014638640820022667 | 0.03475662103141318 | 0.03475662103141318 | 0.0005923685080084302 | 0.0005923685080084302 | 0.014777851837649908 TRIM 1 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281 CUMUL 2020 (octobre - décembre 2019) | 0.013118688831550901 | 0.01841463685451675 | 0.023884095725704935 | 0.025654107235371242 | 0.013414077993527418 | 0.012164487680102481 | 0.014638640820022667 | 0.03475662103141318 | 0.03475662103141318 | 0.0005923685080084302 | 0.0005923685080084302 | 0.014777851837649908 CUMUL 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2020 (octobre - décembre 2019) | 0.4941718212877114 | 0.7242221429563089 | 0.5714715595256036 | 0.5554918111515788 | 0.6841536312341235 | 0.8579381880663467 | 0.6525381492591302 | 0.5398916086199377 | 0.5398916086199377 | 1.0947907128432197 | 1.0947907128432197 | 0.6564752376044304 TRIM 1 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.5995785177308568 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5628824471909625 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5659659174323198 CUMUL 2020 (octobre - décembre 2019) | 0.4941718212877114 | 0.7242221429563089 | 0.5714715595256036 | 0.5554918111515788 | 0.6841536312341235 | 0.8579381880663467 | 0.6525381492591302 | 0.5398916086199377 | 0.5398916086199377 | 1.0947907128432197 | 1.0947907128432197 | 0.6564752376044304 CUMUL 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.5995785177308568 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5628824471909625 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5659659174323198 Productivité par employé ('000) TRIM 1 2020 (octobre - décembre 2019) | 6244.886755555554 | 1979.7695225296445 | 5854.667304914587 | 3923.2998090388287 | 4304.4478734843005 | 4104.300162807018 | 4582.3292026877425 | 6375.457196734696 | 6375.457196734696 | 10996.275862068966 | 10996.275862068966 | 4648.235333066113 TRIM 1 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712 CUMUL 2020 (octobre - décembre 2019) | 6244.886755555554 | 1979.7695225296445 | 5854.667304914587 | 3923.2998090388287 | 4304.4478734843005 | 4104.300162807018 | 4582.3292026877425 | 6375.457196734696 | 6375.457196734696 | 10996.275862068966 | 10996.275862068966 | 4648.235333066113 CUMUL 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712 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 [sysratfinclé sept. 19 ] 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 | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2019 | 0.5889828175113131 | -10.483773688937786 | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2019 (juil -sept. 2019) | 0.00924732317210062 | 0.0006016324266610527 | 0.011933237697431322 | 0.03102325477044324 | 0.01445341563999182 | 0.01321785534681411 | 0.014190999083790505 | 0.03011061735800396 | 0.03011061735800396 | -0.000142978296678007 | -0.000142978296678007 | 0.013974305616002493 TRIM 4 2018 (juil -sept. 2018) | 0.01941172005451372 | 0.002167658135441865 | 0.018813338948155907 | 0.024682736080239763 | 0.015586185610724354 | 0.0252147991466564 | 0.0206309277400867 | 0.03688294632223593 | 0.03688294632223593 | 0.008337919554860776 | 0.008337919554860776 | 0.020726571730055023 CUMUL 2019 (octobre 2018- septembre 2019) | 0.018573534464179725 | -0.00017349300779253164 | 0.01706156832542766 | 0.035819170004876506 | 0.011202453549889885 | 0.02259035407657341 | 0.018962642419595083 | 0.013439351213619317 | 0.013439351213619317 | 0.012102312249806381 | 0.012102312249806381 | 0.018724146924643456 CUMUL 2018 (octobre 2018- septembre 2018) | 0.020720351733213273 | 0.0012168757659851144 | 0.018998121490414625 | 0.02473652191211013 | 0.011383686790908908 | 0.017060211186497757 | 0.01682140966064208 | 0.019216713801520603 | 0.019216713801520603 | 0.005161310613850931 | 0.005161310613850931 | 0.016639662285024552 ROE (rendement de l'avoir des actionn.) TRIM 4 2019 (juil -sept. 2019) | 0.10236669062318933 | -0.0637651020503427 | 0.11936837280339284 | 0.33453155366159176 | 0.200808815417434 | 0.15085635414798923 | 0.1647359285491044 | 0.36518626435745544 | 0.36518626435745544 | -0.001998466929478756 | -0.001998466929478756 | 0.16666873000929777 TRIM 4 2018 (juil -sept. 2018) | 0.2103474914748223 | -0.16754896363016406 | 0.17201526451500967 | 0.2637857262424176 | 0.19792982362464462 | 0.282737645325594 | 0.23555877284774998 | 0.40974677322387293 | 0.40974677322387293 | 0.16989537050308157 | 0.16989537050308157 | 0.2387962793676224 CUMUL 2019 (octobre 2018- septembre 2019) | 0.20231433087630732 | 0.01671486341039895 | 0.15873973726900506 | 0.37978477122949955 | 0.14928250147899153 | 0.25113775407264566 | 0.21878847271682278 | 0.15139889090489278 | 0.15139889090489278 | 0.19389415785068315 | 0.19389415785068315 | 0.2169808833566835 CUMUL 2018 (octobre 2018- septembre 2018) | 0.2334540945330806 | -0.09231568540463884 | 0.18780239558616707 | 0.26492047330513085 | 0.1429027887262395 | 0.1722516699332088 | 0.1864993337687162 | 0.2040257977670168 | 0.2040257977670168 | 0.08867031969088834 | 0.08867031969088834 | 0.18563221399481997 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2019 (juil -sept. 2019) | 0.8136259716027285 | 0.6859355283398211 | 0.7638198684574243 | 0.7146865268799274 | 0.7393111929040466 | 0.7614515115780867 | 0.762712022531723 | 0.6649418283571837 | 0.6649418283571837 | 0.9691430725020022 | 0.9691430725020022 | 0.7596278660603382 TRIM 4 2018 (juil -sept. 2018) | 0.8641093937317053 | 0.6237761660204519 | 0.7333309927531915 | 0.7770362087782747 | 0.7458303788990746 | 0.7939169958127515 | 0.7890998227318937 | 0.5992556105741755 | 0.7333309927531915 | 0.9792784804218976 | 0.9792784804218976 | 0.7828202806399954 CUMUL 2019 (octobre 2018- septembre 2019) | 0.8222549367124287 | 0.6364740199698565 | 0.7581870521830335 | 0.7543258814124651 | 0.7761248646118251 | 0.7713337934352702 | 0.7799014273424083 | 0.5774860997329101 | 0.5774860997329101 | 0.972605082253155 | 0.972605082253155 | 0.7739859225582887 CUMUL 2018 (octobre 2018- septembre 2018) | 0.8701934855721045 | 0.6211145821246524 | 0.7081852736079371 | 0.7883236027626626 | 0.7754640419260888 | 0.7705328185157186 | 0.7898286588026519 | 0.5866113731458331 | 0.5866113731458331 | 0.9625605445738971 | 0.9625605445738971 | 0.7834044677928268 Rendement moyen des prêts TRIM 4 2019 (juil -sept. 2019) | 0.09250306259368818 | 0.04254549394858834 | 0.13865615005896373 | 0.1719019022042641 | 0.14734584334124715 | 0.11404562410439446 | 0.12701201874074533 | 0.16601373504681544 | 0.16601373504681544 | 0.11033349608996566 | 0.11033349608996566 | 0.12841535088791944 TRIM 4 2018 (juil -sept. 2018) | 0.10026482723882774 | 0.04701723355980835 | 0.12957206369379268 | 0.15554804449352458 | 0.10920311736778807 | 0.09902828128930397 | 0.11008829977172926 | 0.12071770683231385 | 0.12071770683231385 | 0.10245450592510033 | 0.10245450592510033 | 0.11049054888559194 CUMUL 2019 (octobre 2018- septembre 2019) | 0.08670811586837883 | 0.0443433210471552 | 0.13427588350274616 | 0.1642953644965965 | 0.122047295499413 | 0.10914966133935232 | 0.11623961937146339 | 0.12245710959012242 | 0.12245710959012242 | 0.10111881804711491 | 0.10111881804711491 | 0.11640768542321629 CUMUL 2018 (octobre 2018- septembre 2018) | 0.09653255555046658 | 0.051528077885118886 | 0.12747944891409832 | 0.15362525833686036 | 0.10951382869452511 | 0.0978000610885603 | 0.10859905860382285 | 0.10708452236488684 | 0.10708452236488684 | 0.09442684102508472 | 0.09442684102508472 | 0.10844998153226369 Rendement moyen des prêts productifs TRIM 4 2019 (juil -sept. 2019) | 0.12278805136230067 | 0.17058820811638975 | 0.14072697569061593 | 0.17312433310830205 | 0.1532698770251001 | 0.11458201320091488 | 0.1360796717195469 | 0.1982610324161049 | 0.1982610324161049 | 0.11033349608996566 | 0.11033349608996566 | 0.1380750640365493 TRIM 4 2018 (juillet - septembre 2018) | 0.10631326327305538 | 0.12477193834893978 | 0.13044589003994622 | 0.15615061704405142 | 0.11204749730423721 | 0.09913324922484495 | 0.11310068982550307 | 0.1384804088529939 | 0.1384804088529939 | 0.10245450592510033 | 0.10245450592510033 | 0.11399090609732383 CUMUL 2019 (octobre 2018- septembre 2019) | 0.10272105950728723 | 0.15485699467589883 | 0.13602181467745952 | 0.1652731115919503 | 0.12377708562221774 | 0.10965032220657434 | 0.12148650220965547 | 0.1454587835706145 | 0.1454587835706145 | 0.10111881804711491 | 0.10111881804711491 | 0.12220968811849597 CUMUL 2018 (octobre 17 - septembre 2018) | 0.10065245187677198 | 0.1501073122869796 | 0.12802659839796074 | 0.15432852191630367 | 0.11127261078272137 | 0.09796264458623037 | 0.11105803885616343 | 0.12498660766845193 | 0.12498660766845193 | 0.09442684102508472 | 0.09442684102508472 | 0.11148885421295597 Rémunération moyenne des dépôts TRIM 4 2019 (juil -sept. 2019) | 0.014613636273844426 | 0.017890608519726865 | 0.023548610050346138 | 0.024674206119214687 | 0.016430349714417286 | 0.010398655225798957 | 0.014988410505819647 | 0.05325354165490393 | 0.05325354165490393 | 0.0005883831164587601 | 0.0005883831164587601 | 0.015409877794458281 TRIM 4 2018 (juillet - septembre 2018) | 0.009083165167091577 | 0.020672517542159714 | 0.02584640782143727 | 0.018380808064435924 | 0.013136357514699671 | 0.007762948344028721 | 0.011474452439749724 | 0.05230512788598553 | 0.05230512788598553 | 0.0003047355231108692 | 0.0003047355231108692 | 0.011895694873154408 CUMUL 2019 (octobre 2018- septembre 2019) | 0.012096653394315681 | 0.018361007040223812 | 0.02370310842082762 | 0.020726968599444458 | 0.012177762779105613 | 0.009444605335615003 | 0.012615668168602007 | 0.0510484400102438 | 0.0510484400102438 | 0.000495299702696508 | 0.000495299702696508 | 0.013043243209962358 CUMUL 2018 (octobre 17 - septembre 2018) | 0.007959520027080298 | 0.02046125980401867 | 0.02716349695726138 | 0.017076611398330867 | 0.011432343876355026 | 0.008493982118062552 | 0.010982976897461564 | 0.04942189001437359 | 0.04942189001437359 | 0.0006607648352968561 | 0.0006607648352968561 | 0.011406478059241762 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2019 (juil -sept. 2019) | 0.6654913670758014 | 0.8990568060299869 | 0.6150987278894205 | 0.6124649307584453 | 0.6863809888817263 | 0.7032448524580133 | 0.6733248192156012 | 0.43060720133796815 | 0.43060720133796815 | 1.0039156774860858 | 1.0039156774860858 | 0.6717362879530209 TRIM 4 2018 (juil -sept. 2018) | 0.6210227671493906 | 0.781755499661932 | 0.5698611363662537 | 0.6698241755508615 | 0.6560976872941655 | 0.6306575030809883 | 0.6365992554240674 | 0.3862848880145627 | 0.3862848880145627 | 0.7701962964546893 | 0.7701962964546893 | 0.6338097089947548 CUMUL 2019 (octobre 2018- septembre 2019) | 0.5972598218834595 | 0.9062650763599059 | 0.5985569077786781 | 0.5863579816296305 | 0.6857698436593007 | 0.5811749575711319 | 0.6155809847019501 | 0.5916207089570608 | 0.5916207089570608 | 0.730726127728492 | 0.730726127728492 | 0.6172109710663901 CUMUL 2018 (octobre 2018- septembre 2018) | 0.5967340321275334 | 0.8415071941828338 | 0.6063052807866373 | 0.6648575227664645 | 0.6863308948616355 | 0.6652059554244748 | 0.6536469512900794 | 0.5277503330403409 | 0.5277503330403409 | 0.861869453677343 | 0.861869453677343 | 0.6550381318122509 Productivité par employé ('000) TRIM 4 2019 (juil -sept. 2019) | 6317.4704466235435 | 1577.1901575384618 | 5796.043891246683 | 3877.9693094629156 | 4829.368422545177 | 5756.231666955496 | 5155.036504187972 | 8140.91322308725 | 8140.91322308725 | 11398.17543859649 | 11398.17543859649 | 5238.718660147558 TRIM 4 2018 (juillet - septembre 2018) | 5239.994962216625 | 1425.254668108108 | 6090.695999854809 | 3022.23355704698 | 4025.403093485423 | 4878.7171694388935 | 4358.371007771704 | 5894.43830216216 | 5894.43830216216 | 12068.645161290322 | 12068.645161290322 | 4432.02402615825 CUMUL 2019 (octobre 2018- septembre 2019) | 5332.309882864483 | 1403.7325599610897 | 5952.315043404255 | 3603.8797953964195 | 4207.422749826219 | 6122.430413302108 | 4862.919437798959 | 12772.340337049181 | 5228.944701744967 | 13604.16393442623 | 13604.16393442623 | 4924.278001179502 CUMUL 2018 (octobre 17 - septembre 2018) | 4618.834684965689 | 1219.1182222222224 | 5492.893104321223 | 2915.209173036831 | 3418.4905367064193 | 4266.680721185528 | 3838.94212160416 | 5038.16690244898 | 5038.16690244898 | 11050.507936507936 | 11050.507936507936 | 3905.1831603775977 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 [sysratfinclé juin 19 ] 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 | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2019 | 0.09040015858287682 | -0.009871238409613188 | 0.10129024903766888 | 0.09017428062446882 | 0.07254664008426427 | 0.08684872683670952 | 0.08388019774555616 | 0.08014345220034184 | 0.08014345220034184 | 0.07304854341757229 | 0.07304854341757229 | 0.08363511632973475 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 30 juin 2019 | 0.7764176502799494 | 0.9127604822455222 | 0.7442051552445597 | 0.8090713127784372 | 0.8280068986880826 | 0.8383515443131573 | 0.8142972436226521 | 0.6215532737722155 | 0.6215532737722155 | 0.7238091398189843 | 0.7238091398189843 | 0.8088400886058457 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2019 | 0.25262345024376176 | 0.7063589473168886 | 0.009953145758146448 | 0.006384856844350402 | 0.059874046537882294 | 0.0018026165698218906 | 0.07057975592998604 | 0.1866063889654444 | 0.1866063889654444 | 0 | 0 | 0.07467359539361851 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2019 | 0.1570758653731724 | 0.6377732926295672 | 0.9351394003336949 | 0.7039488445142472 | 0.516235041848072 | 4.78497638224745 | 0.35467724144201107 | 0.17757838990980754 | 0.17757838990980754 | 0 | 0 | 0.33760494479256087 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2019 | 0.6104504779402228 | -8.25337655367105 | 0.003455499452066808 | 0.008027825129389361 | 0.12981510965861282 | -0.022709672875759188 | 0.1729604294840272 | 1.1234480331325625 | 1.1234480331325625 | 0 | 0 | 0.18986899595935502 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2019 (avril - juin 2019) | 0.015348468920800612 | -0.0064210399709367155 | 0.01681171770981441 | 0.04079073852592352 | 0.008782433794080328 | 0.024293737400881286 | 0.01853946419440799 | 0.0007133478599065058 | 0.0007133478599065058 | 0.005451740764938398 | 0.005451740764938398 | 0.017965456869334734 TRIM 3 2018 (avril - juin 2018) | 0.019971603030366807 | 0.0007566176469736218 | 0.01796819835920119 | 0.02641478031588258 | 0.009826473825225914 | 0.020606453010272238 | 0.01767112228753543 | 0.015350524753707876 | 0.015350524753707876 | 0.003310622991213474 | 0.003310622991213474 | 0.01730361504733849 CUMUL 2019 (octobre 2018- juin 2019) | 0.021756373570914766 | -0.00047499192057400295 | 0.01884429289512566 | 0.03682096588938024 | 0.009889984596453788 | 0.02559053973463363 | 0.02056643431957052 | 0.007380595919428877 | 0.007380595919428877 | 0.016505629296348776 | 0.016505629296348776 | 0.020209571914552048 CUMUL 2018 (octobre 2017- juin 2018) | 0.021210594474235803 | 0.0009376991834971524 | 0.01885114088833868 | 0.02532502674619232 | 0.009959609471361309 | 0.014430217590493911 | 0.015586001357139367 | 0.01345803226849404 | 0.01345803226849404 | 0.003465238323859195 | 0.003465238323859195 | 0.015263826027178512 ROE (rendement de l'avoir des actionn.) TRIM 3 2019 (avril - juin 2019) | 0.16674153050067514 | 0.6653225103859363 | 0.16055358059987018 | 0.46231775486665777 | 0.12251833124648655 | 0.2690181917584282 | 0.21731026285649138 | 0.008625381973971434 | 0.008625381973971434 | 0.07286474082505377 | 0.07286474082505377 | 0.21111529187265973 TRIM 3 2018 (avril - juin 2018) | 0.22424518143996625 | -0.05536001327891343 | 0.19969134071630226 | 0.28679226590492546 | 0.12536759769939834 | 0.21187948147058258 | 0.19955402252713444 | 0.17951209025491993 | 0.17951209025491993 | 0.06286520466227001 | 0.06286520466227001 | 0.1973142356047935 CUMUL 2019 (octobre 2018- juin 2019) | 0.23674702333066347 | 0.04353861828103738 | 0.17258568857380904 | 0.40251577596406496 | 0.13062931033185843 | 0.2870865294922082 | 0.23775944980216282 | 0.08544973020432862 | 0.08544973020432862 | 0.25918818717674147 | 0.25918818717674147 | 0.2347142583864681 CUMUL 2018 (octobre 2017- juin 2018) | 0.24305390902060572 | -0.06730298862565424 | 0.210096066240312 | 0.26978570446862143 | 0.12621010832096813 | 0.14970611989343716 | 0.17698144672365881 | 0.1481862180263801 | 0.1481862180263801 | 0.06670378092399946 | 0.06670378092399946 | 0.174815516488242 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2019 (avril - juin 2019) | 0.7991732121660189 | 0.584805888752053 | 0.7566172339256508 | 0.7622795642867084 | 0.7940562586988974 | 0.7410714351991868 | 0.7703746626772013 | 0.4751031758026804 | 0.4751031758026804 | 0.969113049969673 | 0.969113049969673 | 0.7620861396784123 TRIM 3 2018 (avril - juin 2018) | 0.8563745903378831 | 0.624445391561287 | 0.6819899915507416 | 0.7897652132790001 | 0.7845708812578047 | 0.7450966354051376 | 0.77902070005898 | 0.5843383968726626 | 0.6819899915507416 | 0.9768858269681993 | 0.9768858269681993 | 0.7728200799318028 CUMUL 2019 (octobre 2018- juin 2019) | 0.8261194276513231 | 0.6132258583543213 | 0.7558926056705222 | 0.770074539022827 | 0.7930800143257604 | 0.7752387125862695 | 0.7872341884216528 | 0.5293692702711273 | 0.5293692702711273 | 0.9737103323808092 | 0.9737103323808092 | 0.7801581329476102 CUMUL 2018 (octobre 2017- juin 2018) | 0.872531660288801 | 0.6202045046858113 | 0.6988019843901012 | 0.7924720664212084 | 0.7862816448566776 | 0.762501271656648 | 0.7900943076319393 | 0.5817167519612552 | 0.5817167519612552 | 0.9574607423015048 | 0.9574607423015048 | 0.7836176334274839 Rendement moyen des prêts TRIM 3 2019 (avril - juin 2019) | 0.07691017477253129 | 0.041304134025451966 | 0.13170603987034732 | 0.15920993460155564 | 0.11461819513197079 | 0.10518657891814917 | 0.11061834754578471 | 0.10558516433657272 | 0.10558516433657272 | 0.0928628076980961 | 0.0928628076980961 | 0.11033492416793836 TRIM 3 2018 (avril - juin 2018) | 0.08796325925519778 | 0.050288349754839985 | 0.12876989422804172 | 0.1560773568986086 | 0.11069158446339063 | 0.09466662404360382 | 0.10666917479826897 | 0.11140590213442512 | 0.11140590213442512 | 0.11530597748569416 | 0.11530597748569416 | 0.10690765302913809 CUMUL 2019 (octobre 2018- juin 2019) | 0.0853484657210849 | 0.04370812788679301 | 0.12896612293128354 | 0.16001858950381642 | 0.11054454117033756 | 0.10463137030956214 | 0.11034483265985444 | 0.10464822506164917 | 0.10464822506164917 | 0.08879338887650091 | 0.08879338887650091 | 0.11000348972325841 CUMUL 2018 (octobre 2017- juin 2018) | 0.09521167854299738 | 0.05323729687405595 | 0.13002075054942328 | 0.15479455270232342 | 0.10916354157888335 | 0.09775002951230959 | 0.10849875904502698 | 0.10348073784459517 | 0.10348073784459517 | 0.10590643156349783 | 0.10590643156349783 | 0.10826463340838571 Rendement moyen des prêts productifs TRIM 3 2019 (avril - juin 2019) | 0.10402806386102939 | 0.0106807128514488 | 0.08203601382799487 | 0.07331648982976008 | 0.05442656130365907 | 0.18337146282425135 | 0.221645301997362 | 0.22497995487457814 | 0.22497995487457814 | 0.0928628076980961 | 0.0928628076980961 | 0.11733920459795437 TRIM 3 2018 (avril - juin 2018) | 0.0948562365169664 | 0.12810551413661142 | 0.1298797687719687 | 0.1569132040264162 | 0.115818132077275 | 0.09477485059264971 | 0.11056676779104732 | 0.12404558681778151 | 0.12404558681778151 | 0.11530597748569416 | 0.11530597748569416 | 0.11112047225230857 CUMUL 2019 (octobre 2018- juin 2019) | 0.10140011175142734 | 0.131723648622754 | 0.12992586443563897 | 0.16084756114982116 | 0.11474221297931624 | 0.1047805753964428 | 0.1158066559910348 | 0.1281767877747874 | 0.1281767877747874 | 0.08879338887650091 | 0.08879338887650091 | 0.1160764296472066 CUMUL 2018 (octobre 2017- juin 2018) | 0.10108650728743034 | 0.15349326715447334 | 0.13098542534710547 | 0.15553892522460588 | 0.11290411999626349 | 0.09792277338004736 | 0.11191330234889789 | 0.11371611368701075 | 0.11371611368701075 | 0.10590643156349783 | 0.10590643156349783 | 0.11195371812948991 Rémunération moyenne des dépôts TRIM 3 2019 (avril - juin 2019) | 0.011637654995215315 | 0.016840897903231032 | 0.02359804999735241 | 0.018828374511909468 | 0.010552784995542096 | 0.010454693104235028 | 0.012300094928839166 | 0.05652274262898843 | 0.05652274262898843 | 0.0006157785820209862 | 0.0006157785820209862 | 0.012835873234276159 TRIM 3 2018 (avril - juin 2018) | 0.008679154202320308 | 0.021083402512938894 | 0.030359393523785944 | 0.017234383465554434 | 0.011444804894507273 | 0.009588287998114672 | 0.011737686726435222 | 0.051260984220338084 | 0.051260984220338084 | 0.00031583730524609686 | 0.00031583730524609686 | 0.01212311424380626 CUMUL 2019 (octobre 2018- juin 2019) | 0.010942639078804857 | 0.017704604039973693 | 0.0238249179058808 | 0.018735581157075097 | 0.010385794202737776 | 0.009010359890928315 | 0.011554362141635618 | 0.049657653238126404 | 0.049657653238126404 | 0.0004913778714806518 | 0.0004913778714806518 | 0.011994602195689421 CUMUL 2018 (octobre 2017- juin 2018) | 0.007657245434626082 | 0.021259566583912547 | 0.02804129148103918 | 0.017062544354140067 | 0.010926414127454353 | 0.008863325880937073 | 0.010959639871566581 | 0.04880441279920065 | 0.04880441279920065 | 0.0006775356375837385 | 0.0006775356375837385 | 0.011344369271907897 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2019 (avril - juin 2019) | 0.6658837600377637 | 1.0569942952206883 | 0.6044430267801003 | 0.5509433360530044 | 0.7015536173695637 | 0.5915624209061623 | 0.6306628695199205 | 0.6673889116391749 | 0.6673889116391749 | 0.8819499744767738 | 0.8819499744767738 | 0.6352370900164351 TRIM 3 2018 (avril - juin 2018) | 0.5949540636992332 | 0.8676880987703675 | 0.6364043190223859 | 0.6526853776534232 | 0.6883995529339914 | 0.6400029930950256 | 0.6474775339572678 | 0.5568523437428733 | 0.5568523437428733 | 0.901332000557906 | 0.901332000557906 | 0.6503871316437595 CUMUL 2019 (octobre 2018- juin 2019) | 0.568833012038608 | 0.9091266291295053 | 0.5921573346474669 | 0.5767502503530184 | 0.6855326441384807 | 0.5441055727487988 | 0.5947780380281374 | 0.6942282068335683 | 0.6942282068335683 | 0.6642434412597575 | 0.6642434412597575 | 0.59748286580008 CUMUL 2018 (octobre 2017- juin 2018) | 0.5872430412302388 | 0.8659166088584042 | 0.621339477977577 | 0.663035757805607 | 0.698888592072047 | 0.6790651334829751 | 0.6604610096451807 | 0.5867969014608542 | 0.5867969014608542 | 0.8955527009455568 | 0.8955527009455568 | 0.6635175030710514 Productivité par employé ('000) TRIM 3 2019 (avril - juin 2019) | 4551.981502890174 | 1221.212696 | 5562.041203531034 | 3965.965744400527 | 4468.834262028105 | 6707.122555603006 | 5002.854266765848 | 4174.578436756757 | 4174.578436756757 | 13747.368421052632 | 13747.368421052632 | 5042.330423047017 TRIM 3 2018 (avril - juin 2018) | 4444.345986309894 | 1124.526729660377 | 5464.165781930502 | 3048.078706957133 | 3389.5012457457046 | 4331.499855502465 | 3834.778974623932 | 4966.438146938777 | 4966.438146938777 | 11283.409836065573 | 11283.409836065573 | 3899.6535963712377 CUMUL 2019 (octobre 2018- juin 2019) | 4999.534365536361 | 1339.7764340856031 | 5775.192280286298 | 3548.821705426357 | 4023.9284966105934 | 6288.722680402458 | 4774.291285804356 | 10574.749844444445 | 4287.060747747748 | 14831.77777777778 | 14831.77777777778 | 4829.859061362402 CUMUL 2018 (octobre 2017- juin 2018) | 4389.786848072562 | 1132.3539661152884 | 5234.9799731788935 | 2963.2671976828387 | 3194.9089097950437 | 4016.872807778624 | 3654.1570383435774 | 4739.377029297053 | 4739.377029297053 | 11128.262295081966 | 11128.262295081966 | 3718.7709763311054 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 [sysratfinclé mars 19 ] 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 | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2019 | 0.09379461679007793 | -0.009403183345437252 | 0.10830887649435762 | 0.08614669631655061 | 0.0707927947524805 | 0.09395853342800062 | 0.08681994548406823 | 0.08543823196384444 | 0.08543823196384444 | 0.07668760094252544 | 0.07668760094252544 | 0.08663614671345723 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 31 mars 2019 | 0.7826412066670317 | 0.9075948526935624 | 0.7185365179437421 | 0.8137493834586422 | 0.8045431991107617 | 0.8490726281984488 | 0.811362117422313 | 0.5958115538256509 | 0.5958115538256509 | 0.7475733834046316 | 0.7475733834046316 | 0.8059067629264359 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2019 | 0.0821122953639602 | 0.6927974243788257 | 0.007933027024409041 | 0.004130496807432598 | 0.055682150146817815 | 0.0016847718712124967 | 0.03992621777571069 | 0.13607250261440382 | 0.13607250261440382 | 0 | 0 | 0.04356492745206306 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2019 | 0.4381632294144356 | 0.6757052813221697 | 1.0039119647752235 | 1.0661093337692362 | 0.4846509786957585 | 4.642832698438702 | 0.5836187164307299 | 0.20358583749420026 | 0.20358583749420026 | 0 | 0 | 0.5365699757778454 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2019 | 0.11949373807284139 | -8.19282912207774 | -0.00014773778587604864 | -0.0012085368550379038 | 0.13258893921159043 | -0.018347753479630774 | 0.059563110092661756 | 0.7587947516266242 | 0.7587947516266242 | 0 | 0 | 0.07308476400376915 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2019 (janvier-mars 2019) | 0.02268186722825861 | -0.0007165057403698273 | 0.020353999467605036 | 0.04026412525316922 | 0.009588939942352933 | 0.023389713002209225 | 0.020251810664455337 | 0.01244715147614746 | 0.01244715147614746 | 0.016944913006644226 | 0.016944913006644226 | 0.02003021729944826 TRIM 2 2018 (janvier-mars 2018) | 0.02007645081647743 | -0.0011794553068383748 | 0.022590323441013745 | 0.024468590036969835 | 0.018276421406504772 | 0.010436727742895405 | 0.013810201788669926 | 0.009790490776753523 | 0.009790490776753523 | 0.008500074201058532 | 0.008500074201058532 | 0.013606135646086738 CUMUL 2019 (octobre 2018- mars 2019) | 0.025325366104606718 | 0.0028725536272824507 | 0.019604791364183943 | 0.03451236302714261 | 0.010313125142571856 | 0.02631730677899574 | 0.02157239921283147 | 0.011080685958427964 | 0.011080685958427964 | 0.022767405556161305 | 0.022767405556161305 | 0.02136684055363022 CUMUL 2018 (octobre 2017- mars 2018) | 0.021330540133946082 | 0.0010196169190796506 | 0.019773057842229713 | 0.024610902850211287 | 0.010172577927970865 | 0.010796872270308734 | 0.014259815004426898 | 0.01266958797684134 | 0.01266958797684134 | 0.00390710710391009 | 0.00390710710391009 | 0.01401208806481492 ROE (rendement de l'avoir des actionn.) TRIM 2 2019 (janvier-mars 2019) | 0.24308228074071578 | 0.07663312624301806 | 0.18401497573904185 | 0.46150256114690935 | 0.12987602941060108 | 0.251103090571519 | 0.23143999613788266 | 0.13454945739224075 | 0.13454945739224075 | 0.25370448348949526 | 0.25370448348949526 | 0.22958426993536216 TRIM 2 2018 (janvier-mars 2018) | 0.22889931739638508 | 0.08851415850047194 | 0.2832269766935527 | 0.2640517819121411 | 0.06607872944263284 | 0.09686721689742252 | 0.14897134747067103 | 0.10676892397818859 | 0.10676892397818859 | 0.14483293939420452 | 0.14483293939420452 | 0.14797878560312577 CUMUL 2019 (octobre 2018- mars 2019) | 0.27020038958153814 | -0.2677168440484297 | 0.17308863179837541 | 0.3862715753321618 | 0.13783092084902657 | 0.28306903452558985 | 0.24476006828732735 | 0.12408711777187649 | 0.12408711777187649 | 0.3494795417596319 | 0.3494795417596319 | 0.2434611690008509 CUMUL 2018 (octobre 2017- mars 2018) | 0.2497367120694095 | -0.07328727601686073 | 0.249455971169385 | 0.26805751582795573 | 0.12823694478121722 | 0.10113891843541085 | 0.15631454424891678 | 0.14114277786124715 | 0.14114277786124715 | 0.06278625978204946 | 0.06278625978204946 | 0.15466018466627968 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2019 (janvier-mars 2019) | 0.8423629104488134 | 0.618182892741759 | 0.75813368793518 | 0.7706964050485733 | 0.783713647752467 | 0.7773973836780025 | 0.79025492854515 | 0.6008746961431273 | 0.6008746961431273 | 0.9741421733100702 | 0.9741421733100702 | 0.7847672365138632 TRIM 2 2018 (janvier-mars 2018) | 0.8750668907059378 | 0.598030810289222 | 0.707852641892984 | 0.7907228541423226 | 0.792223239695161 | 0.7749310104647635 | 0.796072938242601 | 0.552721212780686 | 0.707852641892984 | 0.9132678541701349 | 0.9132678541701349 | 0.7884463460591302 CUMUL 2019 (octobre 2018- mars 2019) | 0.8389116474585055 | 0.6263199473027965 | 0.7554784552531377 | 0.7742483401917842 | 0.7925301601901361 | 0.7938990169479706 | 0.7962299805104872 | 0.5584176849021352 | 0.5584176849021352 | 0.975897196883947 | 0.975897196883947 | 0.7897957942006811 CUMUL 2018 (octobre 2017- mars 2018) | 0.8811026928933959 | 0.6180583607781363 | 0.707880429903593 | 0.7939115924917471 | 0.7872084314563847 | 0.7716124560920499 | 0.7959878245534213 | 0.5802636318132743 | 0.5802636318132743 | 0.9497112129057956 | 0.9497112129057956 | 0.7893616475196739 Rendement moyen des prêts TRIM 2 2019 (janvier-mars 2019) | 0.09431399997605562 | 0.040084249391138374 | 0.12706644950070067 | 0.15639523492477364 | 0.10227730200528151 | 0.10351228546965903 | 0.10867103731232967 | 0.113467457669822 | 0.113467457669822 | 0.10784674721345557 | 0.10784674721345557 | 0.10885839589444286 TRIM 2 2018 (janvier-mars 2018) | 0.09045494502795803 | 0.04576778267002639 | 0.12853084932988626 | 0.15061961815411276 | 0.1068145437211407 | 0.09719882073336154 | 0.10618420774106428 | 0.09618720087407989 | 0.09618720087407989 | 0.10863690749901836 | 0.10863690749901836 | 0.10575912873556188 CUMUL 2019 (octobre 2018- mars 2019) | 0.09372509414291669 | 0.045565518764527586 | 0.1292097473675441 | 0.16266708927451967 | 0.1066307682083664 | 0.10655912998502658 | 0.11157019064057752 | 0.10472585694693781 | 0.10472585694693781 | 0.10348283567046077 | 0.10348283567046077 | 0.11125607874688788 CUMUL 2018 (octobre 2017- mars 2018) | 0.09451984754038159 | 0.0545370388540022 | 0.1292530604499425 | 0.15387923328071884 | 0.10804656863881701 | 0.09732548139653623 | 0.10759650624531564 | 0.09852638876460632 | 0.09852638876460632 | 0.11138645329494624 | 0.11138645329494624 | 0.10721477879270713 Rendement moyen des prêts productifs TRIM 2 2019 (janvier-mars 2019) | 0.10263897162361611 | 0.12410572452539662 | 0.12783048532478195 | 0.15709533019324295 | 0.10611945517601125 | 0.10367055789323434 | 0.11243490232756488 | 0.12773525471302927 | 0.12773525471302927 | 0.10784674721345557 | 0.10784674721345557 | 0.11297564272028743 TRIM 2 2018 (janvier-mars 2018) | 0.0961094673684445 | 0.10333415776673893 | 0.12944524619035852 | 0.15172114567600176 | 0.11097728017383436 | 0.09732464986648694 | 0.1095252069466819 | 0.10821966907657928 | 0.10821966907657928 | 0.10863690749901836 | 0.10863690749901836 | 0.1094686816557519 CUMUL 2019 (octobre 2018- mars 2019) | 0.09997186543923463 | 0.1341754964290585 | 0.13000811613628088 | 0.1633065481107861 | 0.11039273485546712 | 0.1067026138590161 | 0.11502496992531225 | 0.12426626091368263 | 0.12426626091368263 | 0.10348283567046077 | 0.10348283567046077 | 0.11529268223578006 CUMUL 2018 (octobre 2017- mars 2018) | 0.10028340429002348 | 0.1519226499793232 | 0.130045556452174 | 0.15483229978101448 | 0.11206191538618475 | 0.09749640319193643 | 0.11105310829356668 | 0.11155648061833252 | 0.11155648061833252 | 0.11138645329494624 | 0.11138645329494624 | 0.1110754153539554 Rémunération moyenne des dépôts TRIM 2 2019 (janvier-mars 2019) | 0.01014578183773737 | 0.01749431707018162 | 0.02332546952140637 | 0.01848949016666928 | 0.010265996118795466 | 0.008807214855897897 | 0.01121702953359048 | 0.04798125578668689 | 0.04798125578668689 | 0.0004731960628122746 | 0.0004731960628122746 | 0.01160651995870145 TRIM 2 2018 (janvier-mars 2018) | 0.007306282961500864 | 0.020704457662782613 | 0.027726653883559712 | 0.01704192882893471 | 0.011050628472546908 | 0.00816015901919845 | 0.0105735337481242 | 0.04925635455773916 | 0.04925635455773916 | 0.0014801939274227322 | 0.0014801939274227322 | 0.011006770485380221 CUMUL 2019 (octobre 2018- mars 2019) | 0.010580342412497046 | 0.01880670281483534 | 0.02390202117357829 | 0.018614189548796307 | 0.010309459699045759 | 0.008199836143487245 | 0.011139429718524652 | 0.04819692575014714 | 0.04819692575014714 | 0.0004622285630863248 | 0.0004622285630863248 | 0.011548725564044425 CUMUL 2018 (octobre 2017- mars 2018) | 0.006899023428809755 | 0.021223038024859284 | 0.027014288994901815 | 0.016755876306672846 | 0.011035303710933518 | 0.00824541319777753 | 0.010454705502021603 | 0.04777254502201378 | 0.04777254502201378 | 0.0009656284089790057 | 0.0009656284089790057 | 0.010869521830061032 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2019 (janvier-mars 2019) | 0.5288404310286845 | 0.9177519704426 | 0.5726556606719388 | 0.5598822525693687 | 0.6934390281143995 | 0.5522059832837881 | 0.58799581294385 | 0.6289001147735945 | 0.6289001147735945 | 0.5875081738983694 | 0.5875081738983694 | 0.5886580318991319 TRIM 2 2018 (janvier-mars 2018) | 0.5840935037297303 | 0.9078571020935413 | 0.5820786132305901 | 0.6706026298142346 | 0.7175642589532797 | 0.7190575240258421 | 0.6735802847951629 | 0.6651191416172803 | 0.6651191416172803 | 0.7464640857308361 | 0.7464640857308361 | 0.6748110418861202 CUMUL 2019 (octobre 2018- mars 2019) | 0.5267770752768209 | 0.8435034638243205 | 0.5853369607420804 | 0.5916030680303377 | 0.6764132400017467 | 0.5182762567582282 | 0.5756355653308904 | 0.7071265437984247 | 0.7071265437984247 | 0.5737959408733273 | 0.5737959408733273 | 0.5774643143764936 CUMUL 2018 (octobre 2017- mars 2018) | 0.5833517513717434 | 0.8650449331697323 | 0.6133013367354044 | 0.6686903292440235 | 0.7046303561265072 | 0.7011281081979528 | 0.6674959729785215 | 0.6028715587903788 | 0.6028715587903788 | 0.8926021967327902 | 0.8926021967327902 | 0.6706227204971584 Productivité par employé ('000) TRIM 2 2019 (janvier-mars 2019) | 5271.74 | 1372.33 | 5473.47 | 3780.81 | 3903.73 | 6080.17 | 4754.41 | 5079.67 | 5079.67 | 12641.87 | 12641.87 | 4809.07 TRIM 2 2018 (janvier-mars 2018) | 4477.47 | 1063.58 | 5896.29 | 2928.92 | 3099.35 | 3865.37 | 3620.21 | 4367.93 | 4367.93 | 10692.13 | 10692.13 | 3677.83 CUMUL 2019 (octobre 2018- mars 2019) | 5215.36 | 1391.93 | 5774.08 | 3445.45 | 3825.82 | 6106.05 | 4686.2 | 4343.3 | 4343.3 | 15460 | 15460 | 4749.83 CUMUL 2018 (octobre 2017- mars 2018) | 4362.76 | 1134.12 | 5412.98 | 2893.37 | 3086.42 | 3840.25 | 3560.35 | 4657.53 | 4657.53 | 10872.45 | 10872.45 | 3624.86 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 [sysratfinclé déc. 18 ] 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 | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2018 | 0.09281375145934542 | -0.009296039089162924 | 0.11322574370854148 | 0.08840375173342076 | 0.07709821911893772 | 0.09230122865322289 | 0.08822413101810919 | 0.099790418147069 | 0.099790418147069 | 0.05878127632431514 | 0.05878127632431514 | 0.08788482028094147 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 31 décembre 2018 | 0.7814655803975284 | 0.9038404442881228 | 0.7194887883012883 | 0.8090557423012713 | 0.8083621494722226 | 0.8577423897607274 | 0.815420673029486 | 0.5954570050520034 | 0.5954570050520034 | 0.783929239672412 | 0.783929239672412 | 0.8101395046845172 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2018 | 0.08006517465175418 | 0.6613982938221991 | 0.0038796978148041023 | 0.004775222331496316 | 0.01569543465539145 | 0.001372230883780026 | 0.02689803695164946 | 0.0870793407188987 | 0.0870793407188987 | 0 | 0 | 0.029185323917257172 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2018 | 0.4056036510539327 | 0.7072635588511462 | 1.6347844686883928 | 0.8974683044354043 | 1.6784645111437315 | 5.064618297330565 | 0.816206706365704 | 0.3042875721066296 | 0.3042875721066296 | 0 | 0 | 0.7551138076035544 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2018 | 0.12225458665216385 | -7.273032414622171 | -0.011884878881267616 | 0.002275792571500958 | -0.04612022880070303 | -0.018142831216758047 | 0.018019170958319775 | 0.3701971566637249 | 0.3701971566637249 | 0 | 0 | 0.026245184195151827 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.029050635152999014 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012 TRIM 1 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.002755653717549522 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | -0.001180585605183277 | 0.014547998132675433 CUMUL 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.02905063515299901 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012 CUMUL 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.010939616205915983 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | -0.001180585605183277 | 0.014547998132675433 ROE (rendement de l'avoir des actionn.) TRIM 1 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.17241572095352012 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.2565086662341222 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25514146834497975 TRIM 1 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | -0.02036672284606169 | 0.1586855933606742 CUMUL 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.17241572095352012 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.2565086662341222 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25514146834497975 CUMUL 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | -0.02036672284606169 | 0.1586855933606742 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005 TRIM 1 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.7079099822758125 | 0.9831563669696738 | 0.9831563669696738 | 0.7903002468161384 CUMUL 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005 CUMUL 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.6064065534310368 | 0.9831563669696738 | 0.9831563669696738 | 0.7903002468161384 Rendement moyen des prêts TRIM 1 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976 TRIM 1 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0.13140886407741284 | 0.10935602434152218 CUMUL 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976 CUMUL 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0.13140886407741284 | 0.10935602434152218 Rendement moyen des prêts productifs TRIM 1 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615 TRIM 1 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0.13140886407741284 | 0.11256990051000276 CUMUL 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615 CUMUL 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0.13140886407741284 | 0.11256990051000276 Rémunération moyenne des dépôts TRIM 1 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281 TRIM 1 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0.00031232020895001006 | 0.010895441584678759 CUMUL 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281 CUMUL 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0.00031232020895001006 | 0.010895441584678759 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.589656606003306 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5620930070798825 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5652058440950704 TRIM 1 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 1.0339719118831647 | 0.6663294373712607 CUMUL 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.589656606003306 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5620930070798825 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5652058440950704 CUMUL 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 1.0339719118831647 | 0.6663294373712607 Productivité par employé ('000) TRIM 1 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712 TRIM 1 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 11052.774193548386 | 3604.249963357969 CUMUL 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712 CUMUL 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 11052.774193548386 | 3604.249963357969 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 [sysratfinclé sept. 18 ] 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 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846273 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0 | 0.05500245014563468 | 0.0890363407629032 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913702 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0 | 0.7938428627581877 | 0.8129976415592453 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0 | 0.025469754697323044 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0 | 0.8786573826806808 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0 | 0.01102966857089383 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2018 (juil. - sept. 2018) | 0.01941172005451372 | 0.002167658135441865 | 0.018813338948155907 | 0.024682736080239763 | 0.015586185610724354 | 0.0252147991466564 | 0.0206309277400867 | 0.03688294632223593 | 0.03688294632223593 | 0.008337919554860776 | 0 | 0.008337919554860776 | 0.020726571730055023 TRIM 4 2017 (juil. - sept. 2017) | 0.01806694083661455 | -0.006179669411945845 | 0.010536519132377332 | 0.021466369639495383 | 0.01144427683959751 | 0.005862221150217952 | 0.011008020654770067 | 0.02447647759800863 | 0.02447647759800863 | 0.008626577889473437 | 0 | 0.008626577889473437 | 0.011275612317557242 CUMUL 2018 (octobre 2017- sept. 2018) | 0.020720351733213273 | 0.0012168757659851144 | 0.018998121490414625 | 0.02473652191211013 | 0.011383686790908908 | 0.017060211186497757 | 0.01682140966064208 | 0.019216713801520603 | 0.019216713801520603 | 0.005161310613850931 | 0 | 0.005161310613850931 | 0.016639662285024552 CUMUL 2017 (octobre 2016- sept. 2017) | 0.018062145278275488 | 0.003775823116284691 | 0.014517451786845848 | 0.02293952804710684 | 0.010432367816115416 | 0.09857517999857628 | 0.04596590064012797 | 0.01715282860907039 | 0.01715282860907039 | 0.0036624516274374767 | -0.015231010521271264 | -0.0030311767722261077 | 0.04357447304307952 ROE (rendement de l'avoir des actionn.) TRIM 4 2018 (juil. - sept. 2018) | 0.2103474914748223 | -0.16754896363016406 | 0.17201526451688273 | 0.2637857262424176 | 0.19792982362464462 | 0.282737645325594 | 0.23555877284796625 | 0.40974677322387293 | 0.40974677322387293 | 0.16989537050308157 | 0 | 0.16989537050308157 | 0.23879627936783382 TRIM 4 2017 (juil. - sept. 2017) | 0.21969608916766412 | 0.4782584103008216 | 0.13177518787491974 | 0.2383568649403244 | 0.1435944111837033 | 0.04820239628593562 | 0.11378187303414009 | 0.26457898747538944 | 0.26457898747538944 | 0.13755868666581791 | 0 | 0.13755868666581791 | 0.11750846719255952 CUMUL 2018 (octobre 2017- sept. 2018) | 0.2334540945330806 | -0.09231568540463884 | 0.18780239558858375 | 0.26492047330513085 | 0.14290278896485956 | 0.1722516699332088 | 0.18649933384166667 | 0.2040257977670168 | 0.2040257977670168 | 0.08867020109884818 | 0 | 0.08867020109884818 | 0.18563221079206246 CUMUL 2017 (octobre 2016- sept. 2017) | 0.2293992337967404 | -0.44256091228108707 | 0.18287346439484464 | 0.25057155038378437 | 0.13475256856226234 | 0.8572216246631783 | 0.5015119822617307 | 0.20302229476133865 | 0.20302229476133865 | 0.05823246127814656 | -0.2675370834337949 | -0.04987047253955227 | 0.48177828328957045 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2018 (juil. - sept. 2018) | 0.8641093937317053 | 0.6237761660204519 | 0.7333309927531915 | 0.7770362087782747 | 0.7458303788990746 | 0.7939169958127515 | 0.7890998227318937 | 0.5992556105741755 | 0.5992556105741755 | 0.9792784804218976 | 0 | 0.9792784804218976 | 0.7828202806399954 TRIM 4 2017 (juil. - sept. 2017) | 0.8836790531385764 | 0.6232858903876597 | 0.7066634276429399 | 0.7885573510105512 | 0.753588310842891 | 0.7204250792926348 | 0.7719959577089655 | 0.658807001323884 | 0.7066634276429399 | 0.9826560951437067 | 0 | 0.9826560951437067 | 0.7689457133974044 CUMUL 2018 (octobre 2017- sept. 2018) | 0.8701934855721045 | 0.6211145821246524 | 0.7081852736079371 | 0.7883236027626626 | 0.7754640419260888 | 0.7705328185157186 | 0.7898286588026519 | 0.5866113731458331 | 0.5866113731458331 | 0.9625605445738971 | 0 | 0.9625605445738971 | 0.7834044677928268 CUMUL 2017 (octobre 2016- sept. 2017) | 0.8878419265598951 | 0.6597828653859523 | 0.6925680448020417 | 0.7804078268741383 | 0.740530066579505 | 0.6431104592380702 | 0.744606319795091 | 0.5660093949999826 | 0.5660093949999826 | 0.8706639647156992 | 0.8934731761341566 | 0.8826602912410345 | 0.7389883217995049 Rendement moyen des prêts TRIM 4 2018 (juil. - sept. 2018) | 0.10026482723882774 | 0.04701723355980835 | 0.12957206369379268 | 0.15554804449352458 | 0.10920311736778807 | 0.09902828128930397 | 0.11008829977172926 | 0.12071770683231385 | 0.12071770683231385 | 0.10245450592510033 | 0 | 0.10245450592510033 | 0.11049054888559194 TRIM 4 2017 (juil. - sept. 2017) | 0.09532285355980015 | 0.06174015254190699 | 0.1409556868428752 | 0.15786751847391886 | 0.10951337945839311 | 0.1030326206544619 | 0.11102885666753949 | 0.10720920693329444 | 0.10720920693329444 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11090968231107265 CUMUL 2018 (octobre 2017- sept. 2018) | 0.09653255555046658 | 0.051528077885118886 | 0.12747944891409832 | 0.15362525833686036 | 0.10951382869452511 | 0.0978000610885603 | 0.10859905860382285 | 0.10708452236488684 | 0.10708452236488684 | 0.09442684102508472 | 0 | 0.09442684102508472 | 0.10844998153226369 CUMUL 2017 (octobre 2016- sept. 2017) | 0.09628678060173099 | 0.06757785348553112 | 0.13905662432967486 | 0.15571465197765572 | 0.10758340494706214 | 0.1055141735780157 | 0.11166707276238544 | 0.1034675283966458 | 0.1034675283966458 | 0.1268383000573444 | 0.11070244254142723 | 0.11698119811689486 | 0.11137586177051408 Rendement moyen des prêts productifs TRIM 4 2018 (juil. - sept. 2018) | 0.10631326327305538 | 0.12477193834893978 | 0.13044589003994622 | 0.15615061704405142 | 0.11204749730423721 | 0.09913324922484495 | 0.11310068982550307 | 0.1384804088529939 | 0.1384804088529939 | 0.10245450592510033 | 0 | 0.10245450592510033 | 0.11399090609732383 TRIM 4 2017 (juil. - sept. 2017) | 0.10101694059132878 | 0.1604758079177712 | 0.13558788219041407 | 0.15918672929155678 | 0.11280184149191161 | 0.10333797866218081 | 0.11448062311155488 | 0.12044331550484426 | 0.12044331550484426 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11477904010882127 CUMUL 2018 (octobre 2017- sept. 2018) | 0.10065245187677198 | 0.1501073122869796 | 0.12802659839796074 | 0.15432852191630367 | 0.11127261078272137 | 0.09796264458623037 | 0.11105803885616343 | 0.12498660766845193 | 0.12498660766845193 | 0.09442684102508472 | 0 | 0.09442684102508472 | 0.11148885421295598 CUMUL 2017 (octobre 2016- sept. 2017) | 0.10058319498716185 | 0.13958293070161917 | 0.13983640067396239 | 0.15706652775037006 | 0.11066429918007976 | 0.10599139947090741 | 0.11482741873780761 | 0.11554669873143061 | 0.11554669873143061 | 0.1268383000573444 | 0.11887129488538832 | 0.1221072463423939 | 0.11500363470366654 Rémunération moyenne des dépôts TRIM 4 2018 (juil. - sept. 2018) | 0.009083165167091577 | 0.020672517542159714 | 0.02584640782143727 | 0.018380808064435924 | 0.013136357514699671 | 0.007762948344028721 | 0.011474452439749724 | 0.05230512788598553 | 0.05230512788598553 | 0.0003047355231108692 | 0 | 0.0003047355231108692 | 0.011895694873154408 TRIM 4 2017 (juil. - sept. 2017) | 0.006556603508245211 | 0.021034957865600716 | 0.027089579263570942 | 0.016522314775565494 | 0.012303241692383074 | 0.010012165498604392 | 0.011377017993347527 | 0.04110516801866475 | 0.04110516801866475 | 0.0003309603672005274 | 0 | 0.0003309603672005274 | 0.01166481375987048 CUMUL 2018 (octobre 2017- sept. 2018) | 0.007959520027080298 | 0.02046125980401867 | 0.02716349695726138 | 0.017076611398330867 | 0.011432343876355026 | 0.008493982118062552 | 0.010982976897461564 | 0.04942189001437359 | 0.04942189001437359 | 0.0006607648352968561 | 0 | 0.0006607648352968561 | 0.011406478059241762 CUMUL 2017 (octobre 2016- sept. 2017) | 0.005968558426564447 | 0.021445903724183868 | 0.028904986775642676 | 0.017747084188045926 | 0.012890351651343439 | 0.013927407641885938 | 0.013003566191134703 | 0.04712371256933539 | 0.04712371256933539 | 0.0029072514642664166 | 0.004369087376323879 | 0.003460012685687764 | 0.013421205154526005 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2018 (juil. - sept. 2018) | 0.6210227671493906 | 0.781755499661932 | 0.5698611363662537 | 0.6698241755508615 | 0.6560976872941655 | 0.6306575030809883 | 0.6365992554240674 | 0.3862848880145627 | 0.3862848880145627 | 0.7701962964546893 | 0 | 0.7701962964546893 | 0.6338097089947548 TRIM 4 2017 (juil. - sept. 2017) | 0.5511684817439795 | 0.9429868355503696 | 0.7714587182189172 | 0.7166367714933392 | 0.7056398846170377 | 1.1174225227867027 | 0.769929160165666 | 0.42515271412878947 | 0.42515271412878947 | 0.7899096220758475 | 0 | 0.7899096220758475 | 0.7604889427295601 CUMUL 2018 (octobre 2017- sept. 2018) | 0.5967340321275334 | 0.8415071941828338 | 0.6063052807866371 | 0.6648575227664645 | 0.6863308948616355 | 0.6652059554244748 | 0.6536469512900794 | 0.5277503330403409 | 0.5277503330403409 | 0.861869453677343 | 0 | 0.861869453677343 | 0.6550381318122509 CUMUL 2017 (octobre 2016- sept. 2017) | 0.6065613951815964 | 0.7914730470838941 | 0.7252914112208851 | 0.6862085842736059 | 0.7110305086638463 | 0.25759194644786443 | 0.4401886549833023 | 0.47447374387287766 | 0.47447374387287766 | 0.8872626843376006 | 1.175512732350301 | 1.0020549634789297 | 0.45197932490196135 Productivité par employé ('000) TRIM 4 2018 (juil. - sept. 2018) | 5239.994962216625 | 1425.254668108108 | 6090.695999854809 | 3022.23355704698 | 4025.403093485423 | 4878.7171694388935 | 4358.371007771704 | 5894.43830216216 | 5894.43830216216 | 12068.645161290322 | 0 | 12068.645161290322 | 4432.02402615825 TRIM 4 2017 (juil. - sept. 2017) | 4140.606208155813 | 1240.9479495970695 | 4953.7344383775535 | 2784.179640718563 | 3232.208005582419 | 2510.699205770286 | 3163.5759622780806 | 6049.499110684933 | 6049.499110684933 | 11424.25 | 0 | 11424.25 | 3264.567555568354 CUMUL 2018 (octobre 2017- sept. 2018) | 6158.446246620919 | 1219.1182222222224 | 5492.893104321223 | 2915.209173036831 | 3418.4905367064193 | 4266.680721185528 | 3838.94212160416 | 5038.16690244898 | 5038.16690244898 | 11050.507936507936 | 0 | 11050.507936507936 | 3905.1831603775977 CUMUL 2017 (octobre 2016- sept. 2017) | 4022.6345991917897 | 1186.4737313375795 | 4640.315959149691 | 2744.01866251944 | 2975.7234170833362 | 10344.60020767949 | 5208.647266558115 | 5370.043140563378 | 5370.043140563378 | 8466.323529411764 | 4186.791208791209 | 6017.03144654088 | 5224.883469251728 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 [sysratfinclé juin 18 ] 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 2018 | 0.09088174789329653 | -0.01368523975800011 | 0.09908023115011652 | 0.09405017703523051 | 0.07801518208809051 | 0.08649823046589548 | 0.08547354383947255 | 0.08660192551347733 | 0.08660192551347733 | 0.0441175140483737 | 0 | 0.0441175140483737 | 0.08450340838830142 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 30 juin 2018 | 0.7776945646625703 | 0.8816462756266215 | 0.6969229448222843 | 0.8147920927636872 | 0.8146633141700348 | 0.8327839488970207 | 0.8061837661026202 | 0.5898965448231558 | 0.5898965448231558 | 0.841695211342584 | 0 | 0.841695211342584 | 0.8022021202849586 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2018 | 0.0734904534852726 | 0.6195230682424012 | 0.009664740099297225 | 0.0040527249035255675 | 0.04156749147887451 | 0.0011510604710220141 | 0.03463806079359376 | 0.0752120762559909 | 0.0752120762559909 | 0 | 0 | 0 | 0.036179105361886885 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2018 | 0.39428286187416095 | 0.7811056248577318 | 0.3956434514670283 | 0.966495861253449 | 0.8001449441700302 | 5.467552038892629 | 0.6921871114643843 | 0.42732846952077225 | 0.42732846952077225 | 0 | 0 | 0 | 0.6691759311317291 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2018 | 0.11849520596990352 | -3.9840759145856253 | 0.029223526731058456 | 0.0005927794481870912 | 0.03586782581542851 | -0.01654311256016699 | 0.03883386133411468 | 0.28933276931115026 | 0.28933276931115026 | 0 | 0 | 0 | 0.04408633667455698 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2018 (avril - juin 2018) | 0.019971603030366807 | 0.0007566176469736218 | 0.01796819835920119 | 0.02641478031588258 | 0.009826473825225914 | 0.020606453010272238 | 0.01767112228753543 | 0.015350524753707876 | 0.015350524753707876 | 0.003310622991213474 | 0 | 0.003310622991213474 | 0.01730361504733849 TRIM 3 2017 (avril - juin 2017) | 0.014230351844717829 | 0.002443999470485995 | 0.01836617884435404 | 0.02639552767462581 | 0.011130101508962431 | 0.31171301453004147 | 0.13006363049249164 | 0.015578634987185378 | 0.015578634987185378 | 0.003786341209833135 | 0 | 0.003786341209833135 | 0.12461638838151672 CUMUL 2018 (octobre 2017- juin 2018) | 0.021210594474235803 | 0.0009376991834971524 | 0.01885114088833868 | 0.02532502674619232 | 0.009959609471361309 | 0.014430217590493911 | 0.015586001357139367 | 0.01345803226849404 | 0.01345803226849404 | 0.003465238323859195 | 0 | 0.003465238323859195 | 0.015263826027178512 CUMUL 2017 (octobre 2016- juin 2017) | 0.01828167673082888 | 0.0068159466344366905 | 0.016136896268359555 | 0.022724676967052413 | 0.010316905137148039 | 0.12763519996776176 | 0.05767046720949124 | 0.015512883379127282 | 0.015512883379127282 | 0.002072180990059106 | -0.020308014028361684 | -0.006054958231891859 | 0.05447122808559555 ROE (rendement de l'avoir des actionn.) TRIM 3 2018 (avril - juin 2018) | 0.22424518143996625 | -0.05536001327891343 | 0.19969134071630226 | 0.28679226590492546 | 0.12536759769939834 | 0.21187948147058258 | 0.19955402252713444 | 0.17951209025491993 | 0.17951209025491993 | 0.06286520466227001 | 0 | 0.06286520466227001 | 0.1973142356047935 TRIM 3 2017 (avril - juin 2017) | 0.18416184718444123 | -0.4672838999650673 | 0.23553250484975194 | 0.31690221677521596 | 0.14833171437875353 | 2.4017733881242154 | 1.3476321501196276 | 0.18360700778403577 | 0.18360700778403577 | 0.06272951161393699 | 0 | 0.06272951161393699 | 1.3052780541550195 CUMUL 2018 (octobre 2017- juin 2018) | 0.24305390902060572 | -0.06730298862565424 | 0.210096066240312 | 0.26978570446862143 | 0.12621010832096813 | 0.14970611989343716 | 0.17698144672365881 | 0.1481862180263801 | 0.1481862180263801 | 0.06670378092399946 | 0 | 0.06670378092399946 | 0.174815516488242 CUMUL 2017 (octobre 2016- juin 2017) | 0.23597500471757352 | -0.9052640435548027 | 0.19871756851326736 | 0.25892594725466433 | 0.13374474294978808 | 0.9623771308329362 | 0.5882223186828521 | 0.18897247989886823 | 0.18897247989886823 | 0.0322527394436632 | -0.35671611124505986 | -0.09830937958351153 | 0.5648603171884249 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2018 (avril - juin 2018) | 0.8563745903378831 | 0.624445391561287 | 0.6819899915507416 | 0.7897652132790001 | 0.7845708812578047 | 0.7450966354051376 | 0.77902070005898 | 0.5843383968726626 | 0.5843383968726626 | 0.9768858269681993 | 0 | 0.9768858269681993 | 0.7728200799318028 TRIM 3 2017 (avril - juin 2017) | 0.8711427136565073 | 0.6498990629292265 | 0.7019976541419117 | 0.7815971369192667 | 0.7432778573793763 | 0.7209317479900967 | 0.7626086116271422 | 0.5924470532761797 | 0.7019976541419117 | 0.9818373256120032 | 0 | 0.9818373256120032 | 0.7571365221017792 CUMUL 2018 (octobre 2017- juin 2018) | 0.872531660288801 | 0.6202045046858113 | 0.6988019843901012 | 0.7924720664212084 | 0.7862816448566776 | 0.762501271656648 | 0.7900943076319393 | 0.5817167519612552 | 0.5817167519612552 | 0.9574607423015048 | 0 | 0.9574607423015048 | 0.7836176334274839 CUMUL 2017 (octobre 2016- juin 2017) | 0.8893219115290251 | 0.6695199363350418 | 0.6872821735876505 | 0.7804078268741383 | 0.7361449921850155 | 0.6156612177961783 | 0.7366917956880726 | 0.5377651862182473 | 0.5377651862182473 | 0.8386982708831815 | 0.8934731761341566 | 0.8708959647094261 | 0.7304799281339487 Rendement moyen des prêts TRIM 3 2018 (avril - juin 2018) | 0.08796325925519778 | 0.050288349754839985 | 0.12876989422804172 | 0.1560773568986086 | 0.11069158446339063 | 0.09466662404360382 | 0.10666917479826897 | 0.11140590213442512 | 0.11140590213442512 | 0.11530597748569416 | 0 | 0.11530597748569416 | 0.10690765302913809 TRIM 3 2017 (avril - juin 2017) | 0.09563242642481255 | 0.06590183427389895 | 0.1381647155586286 | 0.1536109587213957 | 0.10578842736935999 | 0.10848757457323976 | 0.11189335161860821 | 0.09887798463350371 | 0.09887798463350371 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11135033054151028 CUMUL 2018 (octobre 2017- juin 2018) | 0.09521167854299738 | 0.05323729687405595 | 0.13002075054942328 | 0.15479455270232342 | 0.10916354157888335 | 0.09775002951230959 | 0.10849875904502698 | 0.10348073784459517 | 0.10348073784459517 | 0.10590643156349783 | 0 | 0.10590643156349783 | 0.10826463340838571 CUMUL 2017 (octobre 2016- juin 2017) | 0.09639325489025959 | 0.0708480389062848 | 0.14255624806995 | 0.15995741851844544 | 0.10977499064058284 | 0.11096640524364004 | 0.11483831366347631 | 0.10350194490281833 | 0.10350194490281833 | 0.1327389073560339 | 0.14760325672190297 | 0.14179818672365724 | 0.11483304938613698 Rendement moyen des prêts productifs TRIM 3 2018 (avril - juin 2018) | 0.0948562365169664 | 0.12810551413661142 | 0.1298797687719687 | 0.1569132040264162 | 0.115818132077275 | 0.09477485059264971 | 0.11056676779104732 | 0.12404558681778151 | 0.12404558681778151 | 0.11530597748569416 | 0 | 0.11530597748569416 | 0.11112047225230857 TRIM 3 2017 (avril - juin 2017) | 0.10302312575957692 | 0.13273939918377675 | 0.13902616075972318 | 0.1551322948524673 | 0.1097087733994453 | 0.1089426677622746 | 0.11589835677627364 | 0.10984265172849343 | 0.10984265172849343 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11569209218485246 CUMUL 2018 (octobre 2017- juin 2018) | 0.10108650728743034 | 0.15349326715447334 | 0.13098542534710547 | 0.15553892522460588 | 0.11290411999626349 | 0.09792277338004736 | 0.11191330234889789 | 0.11371611368701075 | 0.11371611368701075 | 0.10590643156349783 | 0 | 0.10590643156349783 | 0.11195371812948991 CUMUL 2017 (octobre 2016- juin 2017) | 0.10245077929750757 | 0.1296383175996587 | 0.14347085261093848 | 0.1618148583150221 | 0.11365776608300772 | 0.111545592791109 | 0.11865217676836447 | 0.11621414644305798 | 0.11621414644305798 | 0.1327389073560339 | 0.15849505984718443 | 0.14799664483378816 | 0.11914439659697978 Rémunération moyenne des dépôts TRIM 3 2018 (avril - juin 2018) | 0.008679154202320308 | 0.021083402512938894 | 0.030359393523785944 | 0.017234383465554434 | 0.011444804894507273 | 0.009588287998114672 | 0.011737686726435222 | 0.051260984220338084 | 0.051260984220338084 | 0.00031583730524609686 | 0 | 0.00031583730524609686 | 0.01212311424380626 TRIM 3 2017 (avril - juin 2017) | 0.0061319535469142065 | 0.020386760420717003 | 0.026934718674021037 | 0.0162942949904938 | 0.011847296179961444 | 0.010311136791463282 | 0.011264448475625887 | 0.042784793884675404 | 0.042784793884675404 | 0.0003283946558132497 | 0 | 0.0003283946558132497 | 0.01164454870755415 CUMUL 2018 (octobre 2017- juin 2018) | 0.007657245434626082 | 0.021259566583912547 | 0.02804129148103918 | 0.017062544354140067 | 0.010926414127454353 | 0.008863325880937073 | 0.010959639871566581 | 0.04880441279920065 | 0.04880441279920065 | 0.0006775356375837385 | 0 | 0.0006775356375837385 | 0.011344369271907897 CUMUL 2017 (octobre 2016- juin 2017) | 0.005879920760751275 | 0.021231904924981528 | 0.029958457476864656 | 0.017623741484096074 | 0.01328835502026258 | 0.014735719354419868 | 0.013427171248150016 | 0.049578693492003396 | 0.049578693492003396 | 0.0038974546502600488 | 0.005825449835098505 | 0.004642720682539691 | 0.013951897127751274 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2018 (avril - juin 2018) | 0.5949540636992332 | 0.8676880987703675 | 0.6364043190223859 | 0.6526853776534232 | 0.6883995529339914 | 0.6400029930950256 | 0.6474775339572678 | 0.5568523437428733 | 0.5568523437428733 | 0.901332000557906 | 0 | 0.901332000557906 | 0.6503871316437595 TRIM 3 2017 (avril - juin 2017) | 0.6469286165290469 | 0.8209477813784245 | 0.6474023912660632 | 0.6528330550289395 | 0.6901136123720241 | 0.0890410243565396 | 0.21339292684841848 | 0.5014154273883946 | 0.5014154273883946 | 0.8805995190425592 | 0 | 0.8805995190425592 | 0.2193384858918227 CUMUL 2018 (octobre 2017- juin 2018) | 0.5872430412302388 | 0.8659166088584042 | 0.621339477977577 | 0.663035757805607 | 0.698888592072047 | 0.6790651334829751 | 0.6604610096451807 | 0.5867969014608542 | 0.5867969014608542 | 0.8955527009455568 | 0 | 0.8955527009455568 | 0.6635175030710514 CUMUL 2017 (octobre 2016- juin 2017) | 0.6271738078016506 | 0.7468940807897229 | 0.7078157059883053 | 0.6862085842736059 | 0.7130719390062673 | 0.20134612142507458 | 0.38630939219156746 | 0.4945764251883224 | 0.4945764251883224 | 0.9325514987707484 | 1.175512732350301 | 1.0521604300186065 | 0.4002880632034485 Productivité par employé ('000) TRIM 3 2018 (avril - juin 2018) | 4444.345986309894 | 1124.526729660377 | 5464.165781930502 | 3048.078706957133 | 3389.5012457457046 | 4331.499855502465 | 3834.778974623932 | 4966.438146938777 | 4966.438146938777 | 11283.409836065573 | 0 | 11283.409836065573 | 3899.6535963712377 TRIM 3 2017 (avril - juin 2017) | 3366.939467312349 | 1288.8009488172045 | 4654.208153508631 | 2889.7596371882087 | 3030.500828791334 | 30010.658008372826 | 10581.344616942491 | 4776.468147397251 | 4776.468147397251 | 8540.179104477613 | 0 | 8540.179104477613 | 10476.120108294986 CUMUL 2018 (octobre 2017- juin 2018) | 4389.786848072562 | 1132.3539661152884 | 5234.9799731788935 | 2963.2671976828387 | 3194.9089097950437 | 4016.872807778624 | 3654.1570383435774 | 4739.377029297053 | 4739.377029297053 | 11128.262295081966 | 0 | 11128.262295081966 | 3718.7709763311054 CUMUL 2017 (octobre 2016- juin 2017) | 3881.5569767643315 | 1203.1684601044933 | 4406.409902834008 | 2682.035087719298 | 2901.120054315948 | 13321.109499363265 | 5911.736850208573 | 5086.755008638495 | 5086.755008638495 | 7484.228571428572 | 5582.388278388279 | 6409.27536231884 | 5907.73947014456 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 [sysratfinclé mars 18 ] 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 2018 | 0.0872622133770277 | -0.013649500292432745 | 0.08003725713529243 | 0.09010135015562101 | 0.07876801483324114 | 0.10738721421051199 | 0.09162202573185481 | 0.08440197395727933 | 0.08440197395727933 | 0.06298441868509086 | 0 | 0.06298441868509086 | 0.09089213819390073 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 31 mars 2018 | 0.7908116110041861 | 0.8730197128235888 | 0.7331328859127368 | 0.8231033722209862 | 0.7939251713247153 | 0.8120769867681632 | 0.7994143004103741 | 0.588781219952532 | 0.588781219952532 | 0.8137484687780568 | 0 | 0.8137484687780568 | 0.7950737733421004 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2018 | 0.07186698980390227 | 0.5954720284473068 | 0.007379160525669301 | 0.006650111506752624 | 0.04709895529735428 | 0.0011328501514417093 | 0.035873724979469404 | 0.12836326615299543 | 0.12836326615299543 | 0 | 0 | 0 | 0.03967106991844018 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2018 | 0.361494544166233 | 0.8001990402897368 | 0.5920743283039126 | 0.7213173183162848 | 0.7098397779062932 | 4.888264239040616 | 0.6509547473038946 | 0.24019755812048352 | 0.24019755812048352 | 0 | 0 | 0 | 0.594122793905314 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2018 | 0.12923230999025095 | -3.477098831297275 | 0.019550023592216734 | 0.008369101009344194 | 0.058707793766369136 | -0.01080236196356376 | 0.041738401835555196 | 0.6908170950072726 | 0.6908170950072726 | 0 | 0 | 0 | 0.054400193651368056 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2018 (janvier-mars 2018) | 0.02007645081647743 | -0.0011794553068383748 | 0.022590323441013745 | 0.024468590036969835 | 0.018276421406504772 | 0.010436727742895405 | 0.013810201788669926 | 0.009790490776753523 | 0.009790490776753523 | 0.008018564937629001 | 0 | 0.008500074201058532 | 0.013606135646086738 TRIM 2 2017 (janvier-mars 2017) | 0.020603081727528942 | 0.00893218663172735 | 0.016069247249460166 | 0.01803997050490282 | 0.010545599224806202 | 0.03187063639005525 | 0.02129227240415069 | 0.016231023139722887 | 0.016231023139722887 | -0.001574825395034261 | 0 | -0.0010109881321851073 | 0.020417486868180103 CUMUL 2018 (octobre 2017- mars 2018) | 0.021330540133946082 | 0.0010196169190796506 | 0.019773057842229713 | 0.024610902850211287 | 0.010172577927970865 | 0.010796872270308734 | 0.014259815004426898 | 0.01266958797684134 | 0.01266958797684134 | 0.00390710710391009 | 0 | 0.00390710710391009 | 0.01401208806481492 CUMUL 2017 (octobre 2016- mars 2017) | 0.019621100707944802 | 0.008634735281173315 | 0.013584492437108879 | 0.020067610844470188 | 0.009495531204563536 | 0.02409592841671606 | 0.018001828420994348 | 0.015417158574676942 | 0.015417158574676942 | 0.0010491428257548892 | -0.030462021042542527 | -0.010018907819766977 | 0.016984691444393712 ROE (rendement de l'avoir des actionn.) TRIM 2 2018 (janvier-mars 2018) | 0.22889931739638508 | 0.08851415850047194 | 0.2832269766935527 | 0.2640517819121411 | 0.06607872944263284 | 0.09686721689742252 | 0.14897134747067103 | 0.10676892397818859 | 0.10676892397818859 | 0.14483293939420452 | 0 | 0.14483293939420452 | 0.14797878560312577 TRIM 2 2017 (janvier-mars 2017) | 0.2721328235394424 | -26.72436271548687 | 0.21288960610666205 | 0.21604121794081088 | 0.1456552791917641 | 0.25828690113470354 | 0.23320525282237992 | 0.21314036769398034 | 0.21314036769398034 | -0.025410027257399152 | 0 | -0.016498642566047793 | 0.22715213621851277 CUMUL 2018 (octobre 2017- mars 2018) | 0.2497367120694095 | -0.07328727601686073 | 0.249455971169385 | 0.26805751582795573 | 0.12823694478121722 | 0.10113891843541085 | 0.15631454424891678 | 0.14114277786124715 | 0.14114277786124715 | 0.06278625978204946 | 0 | 0.06278625978204946 | 0.15466018466627968 CUMUL 2017 (octobre 2016- mars 2017) | 0.2658680441575514 | -6.5016508002924684 | 0.17599809105002956 | 0.23796424774500474 | 0.13049264187059048 | 0.19415735918562935 | 0.19714048661727937 | 0.19840232431641028 | 0.19840232431641028 | 0.017333210554200982 | -0.5350741668675898 | -0.1690546076745205 | 0.18903280329027164 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2018 (janvier-mars 2018) | 0.8750668907059378 | 0.598030810289222 | 0.707852641892984 | 0.7907228541423226 | 0.792223239695161 | 0.7749310104647635 | 0.796072938242601 | 0.552721212780686 | 0.552721212780686 | 0.9132678541701349 | 0 | 0.9132678541701349 | 0.7884463460591302 TRIM 2 2017 (janvier-mars 2017) | 0.8935037845454382 | 0.6954422694255329 | 0.6722531390838068 | 0.7933609821384313 | 0.7299339101185963 | 0.6066707023076311 | 0.7355607978195611 | 0.5631711068809706 | 0.6722531390838068 | 0.9827677732859651 | 0 | 0.9827677732859651 | 0.7289705010822303 CUMUL 2018 (octobre 2017- mars 2018) | 0.8811026928933959 | 0.6180583607781363 | 0.707880429903593 | 0.7939115924917471 | 0.7872084314563847 | 0.7716124560920499 | 0.7959878245534213 | 0.5802636318132743 | 0.5802636318132743 | 0.9497112129057956 | 0 | 0.9497112129057956 | 0.7893616475196739 CUMUL 2017 (octobre 2016- mars 2017) | 0.8973105168205402 | 0.6778909737251234 | 0.6789975776397131 | 0.7798217370818282 | 0.7328366152407596 | 0.5595056523710638 | 0.7240366759640798 | 0.515289914198177 | 0.515289914198177 | 0.7861137524779602 | 0.8934731761341566 | 0.8570804195804196 | 0.71785641752369 Rendement moyen des prêts TRIM 2 2018 (janvier-mars 2018) | 0.09045494502795803 | 0.04576778267002639 | 0.12853084932988626 | 0.15061961815411276 | 0.1068145437211407 | 0.09719882073336154 | 0.10618420774106428 | 0.09618720087407989 | 0.09618720087407989 | 0.10863690749901836 | 0 | 0.10863690749901836 | 0.10575912873556188 TRIM 2 2017 (janvier-mars 2017) | 0.09097759350709261 | 0.06802299495036186 | 0.13472454628813463 | 0.15253484311557894 | 0.10603141383894181 | 0.10788775374347953 | 0.1105387670020298 | 0.10458548574303947 | 0.10458548574303947 | 0.1319354149546754 | 0 | 0.049018036918113704 | 0.10902035675839465 CUMUL 2018 (octobre 2017- mars 2018) | 0.09451984754038159 | 0.0545370388540022 | 0.1292530604499425 | 0.15387923328071884 | 0.10804656863881701 | 0.09732548139653623 | 0.10759650624531564 | 0.09852638876460632 | 0.09852638876460632 | 0.11138645329494624 | 0 | 0.11138645329494624 | 0.10721477879270713 CUMUL 2017 (octobre 2016- mars 2017) | 0.09418298228420802 | 0.06893930000321001 | 0.13625437577348382 | 0.1540817020708974 | 0.11191016859088622 | 0.10861012757383716 | 0.11318918919109404 | 0.10255315098200907 | 0.10255315098200907 | 0.14464728745036554 | 0.22140488508285447 | 0.19156870946340576 | 0.11425492609154593 Rendement moyen des prêts productifs TRIM 2 2018 (janvier-mars 2018) | 0.0961094673684445 | 0.10333415776673893 | 0.12944524619035852 | 0.15172114567600176 | 0.11097728017383436 | 0.09732464986648694 | 0.1095252069466819 | 0.10821966907657928 | 0.10821966907657928 | 0.10863690749901836 | 0 | 0.10863690749901836 | 0.1094686816557519 TRIM 2 2017 (janvier-mars 2017) | 0.09681577172323239 | 0.12290819662878413 | 0.1356843921629879 | 0.15387011323745156 | 0.10985656384839715 | 0.10818373914838333 | 0.1141493969992799 | 0.11689804848518216 | 0.11689804848518216 | 0.1319354149546754 | 0 | 0.05096799879324713 | 0.11302784087910467 CUMUL 2018 (octobre 2017- mars 2018) | 0.10028340429002348 | 0.1519226499793232 | 0.130045556452174 | 0.15483229978101448 | 0.11206191538618475 | 0.09749640319193643 | 0.11105310829356668 | 0.11155648061833252 | 0.11155648061833252 | 0.11138645329494624 | 0 | 0.11138645329494624 | 0.1110754153539554 CUMUL 2017 (octobre 2016- mars 2017) | 0.10005682111780399 | 0.11915390128917487 | 0.13716175308118372 | 0.15565874153013878 | 0.11589632506924752 | 0.10924633528774226 | 0.11692873839398567 | 0.11328293428676499 | 0.11328293428676499 | 0.14464728745036554 | 0.23774258977077664 | 0.1999690446622151 | 0.11844266771787731 Rémunération moyenne des dépôts TRIM 2 2018 (janvier-mars 2018) | 0.007306282961500864 | 0.020704457662782613 | 0.027726653883559712 | 0.01704192882893471 | 0.011050628472546908 | 0.00816015901919845 | 0.0105735337481242 | 0.04925635455773916 | 0.04925635455773916 | 0.0014801939274227322 | 0 | 0.0014801939274227322 | 0.011006770485380221 TRIM 2 2017 (janvier-mars 2017) | 0.005543049974235677 | 0.018792132359079856 | 0.028811605654501714 | 0.015962200753009737 | 0.012636356832706861 | 0.015262439649831393 | 0.013141655670970807 | 0.045713264114936834 | 0.045713264114936834 | 0.000354846050314353 | 0 | 0.00021885717786391894 | 0.013496325257513597 CUMUL 2018 (octobre 2017- mars 2018) | 0.006899023428809755 | 0.021223038024859284 | 0.027014288994901815 | 0.016755876306672846 | 0.011035303710933518 | 0.00824541319777753 | 0.010454705502021603 | 0.04777254502201378 | 0.04777254502201378 | 0.0009656284089790057 | 0 | 0.0009656284089790057 | 0.010869521830061032 CUMUL 2017 (octobre 2016- mars 2017) | 0.005508018679002325 | 0.020976643727997634 | 0.02867929544274023 | 0.017565431002072075 | 0.013297639557189165 | 0.01755440604023919 | 0.014217051290969056 | 0.05282373515154667 | 0.05282373515154667 | 0.005508652748162295 | 0.008738174752647758 | 0.006735079905698583 | 0.014876567181294646 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2018 (janvier-mars 2018) | 0.5840935037297303 | 0.9078571020935413 | 0.5820786132305901 | 0.6706026298142346 | 0.7175642589532797 | 0.7190575240258421 | 0.6735802847951627 | 0.6651191416172803 | 0.6651191416172803 | 0.7464640857308361 | 0 | 0.7464640857308361 | 0.6748110418861201 TRIM 2 2017 (janvier-mars 2017) | 0.5928719590592997 | 0.6993302701031483 | 0.7195441635236152 | 0.7330402449588237 | 0.7049782505827564 | 0.5108524576092318 | 0.6130582599912998 | 0.47672697608856446 | 0.47672697608856446 | 1.0603815780278147 | 0 | 1.0603815780278147 | 0.6158418021094347 CUMUL 2018 (octobre 2017- mars 2018) | 0.5833517513717434 | 0.8650449331697323 | 0.6133013367354043 | 0.6686903292440235 | 0.7046303561265072 | 0.7011281081979528 | 0.6674959729785215 | 0.6028715587903788 | 0.6028715587903788 | 0.8926021967327902 | 0 | 0.8926021967327902 | 0.6706227204971584 CUMUL 2017 (octobre 2016- mars 2017) | 0.6185354179848418 | 0.7132669206378212 | 0.7421025019878225 | 0.705623015950299 | 0.7253896200545115 | 0.5906021613405381 | 0.6549682541241971 | 0.49133112162574855 | 0.49133112162574855 | 0.9622929956698176 | 1.175512732350301 | 1.091061261238413 | 0.6679498194740048 Productivité par employé ('000) TRIM 2 2018 (janvier-mars 2018) | 4477.468982630273 | 1063.5844270676694 | 5896.294163584522 | 2928.91888011486 | 3099.348154100038 | 3865.3664682245826 | 3620.2071880575904 | 4367.933158620689 | 4367.933158620689 | 10692.129032258064 | 0 | 10692.129032258064 | 3677.8341027121824 TRIM 2 2017 (janvier-mars 2017) | 3808.055312154964 | 1361.3770200701756 | 4369.327040633662 | 2560.2285714285713 | 3040.718093999292 | 5204.70236844213 | 3729.821682155239 | 5505.267869650349 | 5505.267869650349 | 6636.057971014493 | 0 | 2916.484076433121 | 3743.3083553104634 CUMUL 2018 (octobre 2017- mars 2018) | 4362.759556103576 | 1134.1177558052434 | 5412.980615591838 | 2893.3673469387754 | 3086.4202519118435 | 3840.250448294721 | 3560.346779332546 | 4657.530350410958 | 4657.530350410958 | 10872.451612903225 | 0 | 10872.451612903225 | 3624.8551697288062 CUMUL 2017 (octobre 2016- mars 2017) | 4056.1063011989795 | 1237.276174375 | 4216.560459532 | 2581.4673998428907 | 2857.3211874626863 | 4381.1288455475615 | 3469.755670066749 | 5174.62424 | 5174.62424 | 7038.704225352113 | 8373.582417582418 | 7788.543209876543 | 3571.2904321562055 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 [sysratfinclé.déc. 17] 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 2017 | 0.0881835687432316 | -0.013008901344112313 | 0.07946620322235824 | 0.09534873584975903 | 0.08429701482029836 | 0.10810912522953939 | 0.09382951717951481 | 0.09908058089890975 | 0.09908058089890975 | 0.0548798910706409 | 0 | 0.0548798910706409 | 0.0930393879797384 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 31 décembre 2017 | 0.7870651351378388 | 0.8741985332084818 | 0.7461608855807176 | 0.8141459178226423 | 0.789974190241537 | 0.808804847203026 | 0.7967224013592114 | 0.5890125450861728 | 0.5890125450861728 | 0.8373417161771807 | 0 | 0.8373417161771807 | 0.7929963918563984 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2017 | 0.04435229614331744 | 0.5186835549188813 | 0.006729930078716517 | 0.007880723866580943 | 0.027551243781507573 | 0.0014619647269173616 | 0.024832701066821943 | 0.09379878101172621 | 0.09379878101172621 | 0 | 0 | 0 | 0.027789693403274047 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2017 | 0.7433935831227337 | 0.9130039056197421 | 0.6633369573541121 | 0.5949955645284635 | 1.2479957797468173 | 3.850325843740794 | 1.0105645190600276 | 0.32162254959021286 | 0.32162254959021286 | 0 | 0 | 0 | 0.907010005524532 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2017 | 0.030364455815542618 | -1.3474292610189675 | 0.01487053530361886 | 0.014009492383396636 | -0.027265366408956423 | -0.009907555440736066 | -0.0008413107872902237 | 0.38381957111730586 | 0.38381957111730586 | 0 | 0 | 0 | 0.008386602819762222 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.010939616205915983 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | 0 | -0.001180585605183277 | 0.014547998132675433 TRIM 1 2017 (octobre. - décembre. 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 CUMUL 2017 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.010939616205915983 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | 0 | -0.001180585605183277 | 0.014547998132675433 CUMUL 2017 (octobre - décembre 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 ROE (rendement de l'avoir des actionn.) TRIM 1 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | 0 | -0.02036672284606169 | 0.1586855933606742 TRIM 1 2017 (octobre. - décembre. 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 CUMUL 2017 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | 0 | -0.02036672284606169 | 0.1586855933606742 CUMUL 2017 (octobre - décembre 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.6064065534310368 | 0.9831563669696738 | 0 | 0.9831563669696738 | 0.7903002468161384 TRIM 1 2017 (octobre. - décembre. 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.6863470160513077 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 CUMUL 2017 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.6064065534310368 | 0.9831563669696738 | 0 | 0.9831563669696738 | 0.7903002468161384 CUMUL 2017 (octobre - décembre 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8934731761341566 | 0.8376673751663503 | 0.7075048607564874 Rendement moyen des prêts TRIM 1 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0 | 0.13140886407741284 | 0.10935602434152218 TRIM 1 2017 (octobre. - décembre. 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.20248345714665372 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 CUMUL 2017 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0 | 0.13140886407741284 | 0.10935602434152218 CUMUL 2017 (octobre - décembre 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.1007959323575557 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 Rendement moyen des prêts productifs TRIM 1 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0 | 0.13140886407741284 | 0.11256990051000276 TRIM 1 2017 (octobre. - décembre. 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 CUMUL 2017 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0 | 0.13140886407741284 | 0.11256990051000276 CUMUL 2017 (octobre - décembre 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 Rémunération moyenne des dépôts TRIM 1 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0 | 0.00031232020895001006 | 0.010895441584678759 TRIM 1 2017 (octobre. - décembre. 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 CUMUL 2017 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0 | 0.00031232020895001006 | 0.010895441584678759 CUMUL 2017 (octobre - décembre 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 0 | 1.0339719118831647 | 0.6663294373712607 TRIM 1 2017 (octobre. - décembre. 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 CUMUL 2017 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 0 | 1.0339719118831647 | 0.6663294373712607 CUMUL 2017 (octobre - décembre 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 1.175512732350301 | 1.0978621223857474 | 0.7264080657763469 Productivité par employé ('000) TRIM 1 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 0 | 11052.774193548386 | 3604.249963357969 TRIM 1 2017 (octobre. - décembre. 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 CUMUL 2017 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 0 | 11052.774193548386 | 3604.249963357969 CUMUL 2017 (octobre - décembre 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 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 [sysratfinclé.sept. 17 ] 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 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.09264028791412363 | 0.07554863019553665 | 0.07554863019553665 | 0.06444567566828094 | 0.05693046483793471 | 0.06043220452290159 | 0.0906192688286851 Dépôts en % de l'actif Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.8170382553634135 | 0.7109068765144876 | 0.7109068765144876 | 0.7621981791567485 | 0.8802919302902742 | 0.825265719552309 | 0.8141191051278704 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.025865605150765563 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.02939865585618658 | 0.1040880136032887 | 0.1040880136032887 | 0.02138304931574691 | 0.06872014267058517 | 0.050697034468474234 | 0.03394940216672454 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 1.036109278122458 | 0.19974725426153223 | 0.19974725426153223 | 0 | 0.5685748629475483 | 0.5685748629475483 | 0.8810163174056982 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 Au 30 septembre 2016 | 0.020086764726991935 | -5.448785091579863 | -0.008596697155750272 | 0.020792761718043545 | -0.03493361736482914 | -0.007182810489663147 | -0.0034287634969076973 | 0.5466429004007477 | 0.5466429004007477 | 0 | 0.16272682481943118 | 0.08186804493433891 | 0.013459872248919563 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2017 (juil. - sept. 2017) | 0.01806694083661455 | -0.006179669411945845 | 0.010536519132377332 | 0.021466369639495383 | 0.01144427683959751 | 0.005862221150217952 | 0.011008020654770067 | 0.02447647759800863 | 0.02447647759800863 | 0.008626577889473437 | 0 | 0.008626577889473437 | 0.011275612317557242 TRIM 4 2016 (juil. - sept. 2016) | 0.01357917021322789 | -0.010144683049198074 | 0.011009093567073176 | 0.01630822825992434 | 0.014322806666009668 | 0.0532375191524521 | 0.02718271162079874 | 0.018885212448790854 | 0.018885212448790854 | 0.001751881958331591 | 0.012696554617847449 | 0.007664774293832385 | 0.025981825416948073 CUMUL 2017 (octobre 2016- sept. 2017) | 0.018062145278275488 | 0.003775823116284691 | 0.014517451786845848 | 0.02293952804710684 | 0.010432367816115416 | 0.09857517999857628 | 0.04596590064012797 | 0.01715282860907039 | 0.01715282860907039 | 0.0036624516274374767 | -0.015231010521271264 | -0.0030311767722261077 | 0.04357447304307952 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.019529060226210284 | -0.014990865276120102 | 0.01744300692167167 | 0.023824430796300346 | 0.015564538256984568 | 0.06614101829095291 | 0.0344320721022208 | 0.016960648235968614 | 0.016960648235968614 | -0.0021418922549968364 | 0.010548444886662215 | 0.004287635487077266 | 0.03240628733053552 ROE (rendement de l'avoir des actionn.) TRIM 4 2017 (juil. - sept. 2017) | 0.21969608916766412 | 0.4782584103008216 | 0.13177518787491974 | 0.2383568649403244 | 0.1435944111837033 | 0.04820239628593562 | 0.11378187303414009 | 0.26457898747538944 | 0.26457898747538944 | 0.13755868666581791 | 0 | 0.13755868666581791 | 0.11750846719255952 TRIM 4 2016 (juil. - sept. 2016) | 0.1786516827563843 | 4.414968112842477 | 0.15549366177139204 | 0.18474987597709933 | 0.19203370591967966 | 0.42776818311468073 | 0.296297095185858 | 0.2538621953059445 | 0.2538621953059445 | 0.02658732339448941 | 0.22846300792239466 | 0.12707405370275088 | 0.28971330206087686 CUMUL 2017 (octobre 2016- sept. 2017) | 0.2293992337967404 | -0.44256091228108707 | 0.18287346439484464 | 0.25057155038378437 | 0.13475256856226234 | 0.8572216246631783 | 0.5015119822617307 | 0.20302229476133865 | 0.20302229476133865 | 0.05823246127814656 | -0.2675370834337949 | -0.04987047253955227 | 0.48177828328957045 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.26549605001192456 | -1.848055842937219 | 0.23562061642520515 | 0.2672395978336055 | 0.21161221850485226 | 0.608435043921886 | 0.4003915766227895 | 0.22638851768650495 | 0.22638851768650495 | -0.030407044828678585 | 0.19249911632700958 | 0.0685856807705271 | 0.3835190142286141 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2017 (juil. - sept. 2017) | 0.8836790531385764 | 0.6232858903876597 | 0.7066634276429399 | 0.7885573510105512 | 0.753588310842891 | 0.7204250792926348 | 0.7719959577089655 | 0.658807001323884 | 0.658807001323884 | 0.9826560951437067 | 0 | 0.9826560951437067 | 0.7689457133974044 TRIM 4 2016 (juil. - sept. 2016) | 0.9088997312279506 | 0.6670901881675468 | 0.7129648772373909 | 0.7228366280919363 | 0.7249191460047677 | 0.6291376525070017 | 0.7432042138528369 | 0.5513729783490157 | 0.7129648772373909 | 0.5912408759124088 | 0.8994449755683025 | 0.7899300651412821 | 0.7352883466718235 CUMUL 2017 (octobre 2016- sept. 2017) | 0.8878419265598951 | 0.6597828653859523 | 0.6925680448020417 | 0.7824669660532327 | 0.740530066579505 | 0.6431104592380702 | 0.7458142506496874 | 0.5660093949999826 | 0.5660093949999826 | 0.8706639647156992 | 0.8934731761341566 | 0.8826602912410345 | 0.7402625990100686 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.9143506643184073 | 0.6573058064314096 | 0.7449085998425536 | 0.7757136292247017 | 0.7384321497851011 | 0.66949993362236 | 0.7620093641485891 | 0.5260544202341622 | 0.5260544202341622 | 0.6590478136957681 | 0.9007887696143022 | 0.8061886681788796 | 0.7518670085025657 Rendement moyen des prêts TRIM 4 2017 (juil. - sept. 2017) | 0.09532285355980015 | 0.06174015254190699 | 0.1409556868428752 | 0.15786751847391886 | 0.10951337945839311 | 0.1030326206544619 | 0.11102885666753949 | 0.10720920693329444 | 0.10720920693329444 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11090968231107265 TRIM 4 2016 (juil. - sept. 2016) | 0.11018945358319393 | 0.07994753044498167 | 0.13887951370301477 | 0.1565428027985789 | 0.11499774686806219 | 0.1162745366058481 | 0.11978142395216886 | 0.11400102351468751 | 0.11400102351468751 | 0.14699635151478196 | 0.13533173109235908 | 0.13830482951675474 | 0.12015361160040354 CUMUL 2017 (octobre 2016- sept. 2017) | 0.09628678060173099 | 0.06757785348553112 | 0.13905662432967486 | 0.15571465197765572 | 0.10758340494706214 | 0.1055141735780157 | 0.11166707276238544 | 0.1034675283966458 | 0.1034675283966458 | 0.1268383000573444 | 0.11070244254142723 | 0.11698119811689486 | 0.11137586177051408 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.09633592835005592 | 0.06146693783202019 | 0.14585129355671123 | 0.15802953367459835 | 0.1165599849408993 | 0.12091848658212812 | 0.11949368001140762 | 0.11429602531156825 | 0.11429602531156825 | 0.12860638622540582 | 0.12596896452166792 | 0.12680791691442875 | 0.11952648983663465 Rendement moyen des prêts productifs TRIM 4 2017 (juil. - sept. 2017) | 0.10101694059132878 | 0.1604758079177712 | 0.13558788219041407 | 0.15918672929155678 | 0.11280184149191161 | 0.10333797866218081 | 0.11448062311155488 | 0.12044331550484426 | 0.12044331550484426 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11477904010882127 TRIM 4 2016 (juil. - sept. 2016) | 0.11817454887478364 | 0.12994217015999968 | 0.13989669151096742 | 0.15863256012769167 | 0.12025120591872503 | 0.11714964345245969 | 0.12441504423654709 | 0.1265345736833658 | 0.1265345736833658 | 0.14699635151478196 | 0.14458104581134948 | 0.1452274768918207 | 0.12527328403943144 CUMUL 2017 (octobre 2016- sept. 2017) | 0.10058319498716185 | 0.13958293070161917 | 0.13983640067396239 | 0.15706652775037006 | 0.11066429918007976 | 0.10599139947090741 | 0.11482741873780761 | 0.11554669873143061 | 0.11554669873143061 | 0.1268383000573444 | 0.11887129488538832 | 0.1221072463423939 | 0.11500363470366654 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.10202761183967712 | 0.10012672542382962 | 0.1473249912107327 | 0.15953236774373156 | 0.12144614872788519 | 0.12162364539119629 | 0.12360103468545577 | 0.1251884086558649 | 0.1251884086558649 | 0.12860638622540582 | 0.13439307623958416 | 0.13247016312085885 | 0.12404153454218945 Rémunération moyenne des dépôts TRIM 4 2017 (juil. - sept. 2017) | 0.006556603508245211 | 0.021034957865600716 | 0.027089579263570942 | 0.016522314775565494 | 0.012303241692383074 | 0.010012165498604392 | 0.011377017993347527 | 0.04110516801866475 | 0.04110516801866475 | 0.0003309603672005274 | 0 | 0.0003309603672005274 | 0.01166481375987048 TRIM 4 2016 (juil. - sept. 2016) | 0.005425908473680794 | 0.020287397202389444 | 0.027305560900669976 | 0.023027790359969092 | 0.014382620753842069 | 0.01628634138898156 | 0.014225843355463315 | 0.04632200559215955 | 0.04632200559215955 | 0.015405826122444902 | 0.005095213994109857 | 0.009483717817562383 | 0.014883118125419821 CUMUL 2017 (octobre 2016- sept. 2017) | 0.005968558426564447 | 0.021445903724183868 | 0.028904986775642676 | 0.017747084188045926 | 0.012890351651343439 | 0.013927407641885938 | 0.013003566191134703 | 0.04712371256933539 | 0.04712371256933539 | 0.0029072514642664166 | 0.004369087376323879 | 0.003460012685687764 | 0.013421205154526005 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.004712985163678976 | 0.01615293422044827 | 0.023940048805936875 | 0.018463017032424905 | 0.014490003478511261 | 0.015445704433420197 | 0.013260407962321348 | 0.04825146953623522 | 0.04825146953623522 | 0.013265786558804471 | 0.005034994051497499 | 0.008789133339888804 | 0.01401804110283661 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2017 (juil. - sept. 2017) | 0.5511684817439795 | 0.9429868355503696 | 0.7714587182189172 | 0.7166367714933392 | 0.7056398846170377 | 1.1174225227867027 | 0.769929160165666 | 0.42515271412878947 | 0.42515271412878947 | 0.7899096220758475 | 0 | 0.7899096220758475 | 0.7604889427295601 TRIM 4 2016 (juil. - sept. 2016) | 0.6770912705730295 | 1.0806112874095015 | 0.8332054795866007 | 0.7578729611049446 | 0.6995594773445958 | 0.3782329418548628 | 0.5904986440686749 | 0.6155693220939157 | 0.6155693220939157 | 0.9366464729438341 | 0.8102603341167041 | 0.8541636942978076 | 0.6008509737828742 CUMUL 2017 (octobre 2016- sept. 2017) | 0.6065613951815964 | 0.7914730470838941 | 0.7252914112208851 | 0.6942270591089116 | 0.7110305086638463 | 0.25759194644786443 | 0.4456561571699389 | 0.47447374387287766 | 0.47447374387287766 | 0.8872626843376006 | 1.175512732350301 | 1.0020549634789297 | 0.4570289913501697 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.5913411826168897 | 1.118898252521943 | 0.7253859185085992 | 0.6752080410433678 | 0.6230409619146867 | 0.3281101295659893 | 0.49759013671977587 | 0.5139899591332413 | 0.5139899591332413 | 1.0633732637111362 | 0.7879742780532948 | 0.9009224007614355 | 0.5131372781157897 Productivité par employé ('000) TRIM 4 2017 (juil. - sept. 2017) | 4140.606208155813 | 1240.9479495970695 | 4953.7344383775535 | 2784.179640718563 | 3232.208005582419 | 2510.699205770286 | 3163.5759622780806 | 6049.499110684933 | 6049.499110684933 | 11424.25 | 0 | 11424.25 | 3264.567555568354 TRIM 4 2016 (juil. - sept. 2016) | 4510.701592151556 | 1208.9907112643677 | 4306.34030550107 | 2526.97004048583 | 3128.8255387149447 | 5407.901844163196 | 3889.782729025032 | 5540.92285142857 | 5540.92285142857 | 6403.726027397261 | 4852.2430939226515 | 5298.141732283465 | 3954.1907793328232 CUMUL 2017 (octobre 2016- sept. 2017) | 4022.6345991917897 | 1186.4737313375795 | 4640.315959149691 | 2744.01866251944 | 2975.7234170833362 | 10344.60020767949 | 5208.647266558115 | 5370.043140563378 | 5370.043140563378 | 8466.323529411764 | 4186.791208791209 | 6017.03144654088 | 5224.883469251728 CUMUL 2016 (octobre 2015 - sept. 2016) | 4248.7397139385075 | 924.0659584070797 | 4019.023697366072 | 2582.7159663865546 | 2941.9717203651107 | 6870.057843196617 | 4159.868845802437 | 5119.021304857143 | 5119.021304857143 | 7813.6 | 4708.715083798883 | 5625.511811023622 | 4216.334641971632 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 [sysratfinclé.juin. 17 ] 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 2017 | 0.08102107582265142 | -0.01174894809648042 | 0.08162506837054122 | 0.08651993424157746 | 0.07946894976397167 | 0.13682085071269867 | 0.10274779831155015 | 0.08992051528136087 | 0.08992051528136087 | 0.0640527220129743 | 0 | 0.0640527220129743 | 0.101685765232157 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 juin 2017 | 0.7935861776006404 | 0.8658293811261846 | 0.7595661331068647 | 0.8209516379773892 | 0.8271017810729085 | 0.7941601146396632 | 0.8029045000896806 | 0.6244917837809718 | 0.6244917837809718 | 0.8306234564943674 | 0 | 0.8306234564943674 | 0.7992623149106796 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2017 | 0.07213809638017675 | 0.5455303337022512 | 0.005977766301569762 | 0.011136216357939217 | 0.035500500020747706 | 0.0035450139074200714 | 0.03473618647419924 | 0.11483555104987128 | 0.11483555104987128 | 0 | 0 | 0 | 0.038368529588421026 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2017 | 0.37938610194472794 | 0.8254684050277725 | 1.0000100626631443 | 0.5292129824474537 | 1.2011860140913466 | 2.026691708702309 | 0.8052393477636457 | 0.24652784587111465 | 0.24652784587111465 | 0 | 0 | 0 | 0.7242478782185418 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2017 | 0.12771973756780336 | -3.0966442132034366 | -3.661017580394584e-07 | 0.02257616256879013 | -0.028339436056358046 | -0.006023138354832103 | 0.01816720069176477 | 0.5551045407449487 | 0.5551045407449487 | 0 | 0 | 0 | 0.02908589736634229 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2017 (avril - juin 2017) | 0.014230351844717829 | 0.002443999470485995 | 0.01836617884435404 | 0.02639552767462581 | 0.011130101508962431 | 0.31171301453004147 | 0.13006363049249164 | 0.015578634987185378 | 0.015578634987185378 | 0.003786341209833135 | 0 | 0.003786341209833135 | 0.12461638838151672 TRIM 3 2016 (avril - juin 2016) | 0.019911545014999327 | -0.02063591790293716 | 0.015339621331204208 | 0.0229429049102063 | 0.014798529592930699 | 0.02453331198642385 | 0.01940820317964486 | 0.013277654846450724 | 0.013277654846450724 | -0.011173411267785907 | 0.009105410782358542 | -0.0003918495410553343 | 0.01821682530186565 CUMUL 2017 (octobre 2016- juin 2017) | 0.01828167673082888 | 0.0068159466344366905 | 0.016136896268359555 | 0.022724676967052413 | 0.010316905137148039 | 0.12763519996776176 | 0.05767046720949124 | 0.015512883379127282 | 0.015512883379127282 | 0.002072180990059106 | -0.020308014028361684 | -0.006054958231891859 | 0.05447122808559555 CUMUL 2016 (octobre 2015 - juin 2016) | 0.022477441615451482 | -0.016622975511305014 | 0.02103870618716056 | 0.026248675726797777 | 0.01606775159678749 | 0.07209049599940802 | 0.03770358005114629 | 0.016001923014604267 | 0.016001923014604267 | -0.0034498343331314523 | 0.009201384165931548 | 0.0030429524924592763 | 0.03523623678118958 ROE (rendement de l'avoir des actionn.) TRIM 3 2017 (avril - juin 2017) | 0.18416184718444123 | -0.4672838999650673 | 0.23553250484975194 | 0.31690221677521596 | 0.14833171437875353 | 2.4017733881242154 | 1.3476321501196276 | 0.18360700778403577 | 0.18360700778403577 | 0.06272951161393699 | 0 | 0.06272951161393699 | 1.3052780541550195 TRIM 3 2016 (avril - juin 2016) | 0.2542310750395305 | -13.5780622457336 | 0.25423236763972035 | 0.2705324976978403 | 0.20251114771001666 | 0.19317294129383694 | 0.21081495913324563 | 0.18449633431881354 | 0.18449633431881354 | -0.15673788322941518 | 0.16462566063684775 | -0.006240380429663563 | 0.20254545206358493 CUMUL 2017 (octobre 2016- juin 2017) | 0.23597500471757352 | -0.9052640435548027 | 0.19871756851326736 | 0.25892594725466433 | 0.13374474294978808 | 0.9623771308329362 | 0.5882223186828521 | 0.18897247989886823 | 0.18897247989886823 | 0.0322527394436632 | -0.35671611124505986 | -0.09830937958351153 | 0.5648603171884249 CUMUL 2016 (octobre 2015 - juin 2016) | 0.2961377240066761 | -1.7252626497284809 | 0.34525407628134047 | 0.2977654568409157 | 0.21928238112032564 | 0.6839046488731917 | 0.44493381128783877 | 0.21727860242280306 | 0.21727860242280306 | -0.04797924461751013 | 0.1724463882294498 | 0.04877680650228625 | 0.42330142448204167 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2017 (avril - juin 2017) | 0.8711427136565073 | 0.6498990629292265 | 0.7019976541419117 | 0.7815971369192667 | 0.7432778573793763 | 0.7209317479900967 | 0.7626086116271422 | 0.5924470532761797 | 0.5924470532761797 | 0.9818373256120032 | 0 | 0.9818373256120032 | 0.7571365221017792 TRIM 3 2016 (avril - juin 2016) | 0.9332635993951712 | 0.662300155287165 | 0.7413061463859962 | 0.7644662243127717 | 0.7277559959814078 | 0.6603661141659318 | 0.7591945386711655 | 0.4594464118233303 | 0.7413061463859962 | 0.5764086174242424 | 0.8951325740855184 | 0.789285924877646 | 0.7449032862656447 CUMUL 2017 (octobre 2016- juin 2017) | 0.8893219115290251 | 0.6695199363350418 | 0.6872821735876505 | 0.7804078268741383 | 0.7361449921850155 | 0.6156612177961783 | 0.7366917956880726 | 0.5377651862182473 | 0.5377651862182473 | 0.8386982708831815 | 0.8934731761341566 | 0.8708959647094261 | 0.7304799281339487 CUMUL 2016 (octobre 2015 - juin 2016) | 0.9166109630114884 | 0.6519413185620322 | 0.7577193294949203 | 0.7952468746564428 | 0.743044164085532 | 0.6827768851366872 | 0.7688462289789834 | 0.5167919970824469 | 0.5167919970824469 | 0.6799548395243294 | 0.9012982044609104 | 0.8118875453808995 | 0.757887610383223 Rendement moyen des prêts TRIM 3 2017 (avril - juin 2017) | 0.09563242642481255 | 0.06590183427389895 | 0.1381647155586286 | 0.1536109587213957 | 0.10578842736935999 | 0.10848757457323976 | 0.11189335161860821 | 0.09887798463350371 | 0.09887798463350371 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11135033054151028 TRIM 3 2016 (avril - juin 2016) | 0.09337066200819989 | 0.06121460351828856 | 0.14200864415727035 | 0.15854155336570794 | 0.12221106007134766 | 0.12182779491025064 | 0.12103802005960006 | 0.1076550916621657 | 0.1076550916621657 | 0.12502378426644348 | 0.12106177534443686 | 0.12212464046276986 | 0.12035520383847599 CUMUL 2017 (octobre 2016- juin 2017) | 0.09639325489025959 | 0.0708480389062848 | 0.14255624806995 | 0.15995741851844544 | 0.10977499064058284 | 0.11096640524364004 | 0.11483831366347631 | 0.10350194490281833 | 0.10350194490281833 | 0.1327389073560339 | 0.14760325672190297 | 0.14179818672365724 | 0.11483304938613698 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09019646999718021 | 0.054926100101777175 | 0.14706060977351473 | 0.16196937277307707 | 0.11991728873343777 | 0.12790082525858557 | 0.12199575318849559 | 0.11245431287159298 | 0.11245431287159298 | 0.13601282994752154 | 0.11879360608705153 | 0.1241382018862278 | 0.1215808923904879 Rendement moyen des prêts productifs TRIM 3 2017 (avril - juin 2017) | 0.10302312575957692 | 0.13273939918377675 | 0.13902616075972318 | 0.1551322948524673 | 0.1097087733994453 | 0.1089426677622746 | 0.11589835677627364 | 0.10984265172849343 | 0.10984265172849343 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11569209218485246 TRIM 3 2016 (avril - juin 2016) | 0.10276715044855231 | 0.1062237818120657 | 0.14277480207451584 | 0.16076959336074356 | 0.12909376550652923 | 0.1229880041871539 | 0.12671820829602004 | 0.11744143925513033 | 0.11744143925513033 | 0.12502378426644348 | 0.12914877074765363 | 0.12798904649279208 | 0.1262847570465996 CUMUL 2017 (octobre 2016- juin 2017) | 0.10245077929750757 | 0.1296383175996587 | 0.14347085261093848 | 0.1618148583150221 | 0.11365776608300772 | 0.111545592791109 | 0.11865217676836447 | 0.11621414644305798 | 0.11621414644305798 | 0.1327389073560339 | 0.15849505984718443 | 0.14799664483378816 | 0.11914439659697978 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09817492340715712 | 0.09077413657125592 | 0.14865319683593278 | 0.163743487642064 | 0.1264884645477433 | 0.12871224350870966 | 0.12733636917567073 | 0.12244117324936489 | 0.12244117324936489 | 0.13601282994752154 | 0.1261333431373118 | 0.12932798923761532 | 0.12717283757705236 Rémunération moyenne des dépôts TRIM 3 2017 (avril - juin 2017) | 0.0061319535469142065 | 0.020386760420717003 | 0.026934718674021037 | 0.0162942949904938 | 0.011847296179961444 | 0.010311136791463282 | 0.011264448475625887 | 0.042784793884675404 | 0.042784793884675404 | 0.0003283946558132497 | 0 | 0.0003283946558132497 | 0.01164454870755415 TRIM 3 2016 (avril - juin 2016) | 0.0036750865127900705 | 0.015076689154457586 | 0.022805682481002284 | 0.01913373828386521 | 0.015157309230914273 | 0.015784234873827057 | 0.013363631111712621 | 0.05317795633192592 | 0.05317795633192592 | 0.013171228034821767 | 0.004917175739012291 | 0.008454079612896917 | 0.014281220934464597 CUMUL 2017 (octobre 2016- juin 2017) | 0.005879920760751275 | 0.021231904924981528 | 0.029958457476864656 | 0.017623741484096074 | 0.01328835502026258 | 0.014735719354419868 | 0.013427171248150016 | 0.049578693492003396 | 0.049578693492003396 | 0.0038974546502600488 | 0.005825449835098505 | 0.004642720682539691 | 0.013951897127751274 CUMUL 2016 (octobre 2015 - juin 2016) | 0.004559562824372697 | 0.014412296360940586 | 0.023151959008541126 | 0.016739724491173488 | 0.014524191710675748 | 0.015355142388740499 | 0.013049213719986 | 0.048701912566072064 | 0.048701912566072064 | 0.012836624658583075 | 0.004802777763234483 | 0.008427693905447608 | 0.013829618685132957 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2017 (avril - juin 2017) | 0.6469286165290469 | 0.8209477813784245 | 0.6474023912660632 | 0.6528330550289395 | 0.6901136123720241 | 0.0890410243565396 | 0.21339292684841848 | 0.5014154273883946 | 0.5014154273883946 | 0.8805995190425592 | 0 | 0.8805995190425592 | 0.2193384858918227 TRIM 3 2016 (avril - juin 2016) | 0.5634874019283601 | 1.216568612235641 | 0.7677363534225444 | 0.671107356549996 | 0.6397287685064426 | 0.5699539075985189 | 0.6164649014696062 | 0.5039525550922092 | 0.5039525550922092 | 1.3489865808310184 | 0.8937631651250114 | 1.0799961517184982 | 0.6334397744549646 CUMUL 2017 (octobre 2016- juin 2017) | 0.6271738078016506 | 0.7468940807897229 | 0.7078157059883053 | 0.6862085842736059 | 0.7130719390062673 | 0.20134612142507458 | 0.38630939219156746 | 0.4945764251883224 | 0.4945764251883224 | 0.9325514987707484 | 1.175512732350301 | 1.0521604300186065 | 0.4002880632034485 CUMUL 2016 (octobre 2015 - juin 2016) | 0.5567950208262309 | 1.138252256150906 | 0.6833668514963728 | 0.6470838075552823 | 0.5960078460000633 | 0.3155895101602068 | 0.4684984200944234 | 0.47630416773747436 | 0.47630416773747436 | 1.094941511493077 | 0.7801237293356608 | 0.9153222853627816 | 0.48559716626210525 Productivité par employé ('000) TRIM 3 2017 (avril - juin 2017) | 3366.939467312349 | 1288.8009488172045 | 4654.208153508631 | 2889.7596371882087 | 3030.500828791334 | 30010.658008372826 | 10581.344616942491 | 4776.468147397251 | 4776.468147397251 | 8540.179104477613 | 0 | 8540.179104477613 | 10476.120108294986 TRIM 3 2016 (avril - juin 2016) | 4036.6798644565215 | 965.4160479518072 | 3552.6860827789333 | 2545.1014014839243 | 2976.6086750812715 | 4437.407433361415 | 3449.172422234634 | 4666.428012394366 | 4666.428012394366 | 7559.666666666667 | 4416.6741573033705 | 5321.856 | 3519.816150275632 CUMUL 2017 (octobre 2016- juin 2017) | 3881.5569767643315 | 1203.1684601044933 | 4406.409902834008 | 2682.035087719298 | 2901.120054315948 | 13321.109499363265 | 5911.736850208573 | 5086.755008638495 | 5086.755008638495 | 7484.228571428572 | 5582.388278388279 | 6409.27536231884 | 5907.73947014456 CUMUL 2016 (octobre 2015 - juin 2016) | 4061.9285330780563 | 848.4247421814474 | 3953.0258294431737 | 2584.649196956889 | 2887.5192037442143 | 7385.451919750035 | 4246.17406100758 | 4908.2693228169 | 4908.2693228169 | 8453.189189189188 | 4668.883895131086 | 5780.148148148149 | 4300.014414708717 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 [sysratfinclé.mars. 17 ] 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 2017 | 0.0736988865014922 | 0.0007909450186385002 | 0.07445828573374791 | 0.080059383841459 | 0.07083251077909412 | 0.12177941515625275 | 0.09013315124618414 | 0.08011571076402878 | 0.08011571076402878 | 0.05702035735992737 | 0 | 0.05702035735992737 | 0.08914327144185961 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 mars 2017 | 0.8049503032547094 | 0.8623080597938928 | 0.7708966215284364 | 0.8392394798116236 | 0.841735416159767 | 0.8102898206503486 | 0.8178135979832046 | 0.6462155888253123 | 0.6462155888253123 | 0.792931646608357 | 0 | 0.792931646608357 | 0.8128665192814553 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2017 | 0.0713384332929066 | 0.4673613599241478 | 0.006413020064993351 | 0.008570233738542361 | 0.03596835960229763 | 0.004795145221727041 | 0.034379302285498216 | 0.08556093207934917 | 0.08556093207934917 | 0 | 0 | 0 | 0.03670438508229733 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2017 | 0.38598416335725255 | 0.75775556179769 | 1.0555358942631836 | 0.6750486163051608 | 1.1904765777751567 | 2.1537141065099825 | 0.8176961015552461 | 0.3157651703685972 | 0.3157651703685972 | 0 | 0 | 0 | 0.7591496770418897 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2017 | 0.1308560092711111 | 58.6833759623123 | -0.0023111336473447004 | 0.013958365863014861 | -0.028832279734334724 | -0.011978085451464473 | 0.019976532724595094 | 0.41400593580359424 | 0.41400593580359424 | 0 | 0 | 0 | 0.028765776722914287 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2017 (janvier-mars 2017) | 0.020603081727528942 | 0.00893218663172735 | 0.016069247249460166 | 0.01803997050490282 | 0.010545599224806202 | 0.03187063639005525 | 0.02129227240415069 | 0.016231023139722887 | 0.016231023139722887 | -0.001574825395034261 | 0 | -0.0010109881321851073 | 0.020417486868180103 TRIM 2 2016 (janvier-mars 2016) | 0.024980414608962935 | -0.013129966728332802 | 0.026077024036181333 | 0.025925701943261818 | 0.01839839115781365 | 0.15495746115467723 | 0.06785344626743901 | 0.01912869140687904 | 0.01912869140687904 | -0.008641165256532092 | 0.0063718776070625606 | -0.0010052911505397638 | 0.06275095152959771 CUMUL 2017 (octobre 2016- mars 2017) | 0.019621100707944802 | 0.008634735281173315 | 0.013584492437108879 | 0.020067610844470188 | 0.009495531204563536 | 0.02409592841671606 | 0.018001828420994348 | 0.015417158574676942 | 0.015417158574676942 | 0.0010491428257548892 | -0.030462021042542527 | -0.010018907819766977 | 0.016984691444393712 CUMUL 2016 (octobre 2015- mars 2016) | 0.023873759794929433 | -0.014166118694393515 | 0.0236541415794388 | 0.02711976864490607 | 0.016423970743072867 | 0.09733603616764135 | 0.04715465929099655 | 0.01697295368720907 | 0.01697295368720907 | 0.00033561112004750187 | 0.009374432138716492 | 0.004831741753345665 | 0.04400863787512705 ROE (rendement de l'avoir des actionn.) TRIM 2 2017 (janvier-mars 2017) | 0.2721328235394424 | -26.72436271548687 | 0.21288960610666205 | 0.21604121794081088 | 0.1456552791917641 | 0.25828690113470354 | 0.23320525282237992 | 0.21314036769398034 | 0.21314036769398034 | -0.025410027257399152 | 0 | -0.016498642566047793 | 0.22715213621851277 TRIM 2 2016 (janvier-mars 2016) | 0.3242037795786949 | -1.2671159352829058 | 0.4307085016022958 | 0.29773500979245887 | 0.24998062795967377 | 1.3637175331431513 | 0.7734395715595391 | 0.2537742466245785 | 0.2537742466245785 | -0.11187989795731092 | 0.1179237384158486 | -0.015363185126325698 | 0.7280568104006448 CUMUL 2017 (octobre 2016- mars 2017) | 0.2658680441575514 | -6.5016508002924684 | 0.17599809105002956 | 0.23796424774500474 | 0.13049264187059048 | 0.19415735918562935 | 0.19714048661727937 | 0.19840232431641028 | 0.19840232431641028 | 0.017333210554200982 | -0.5350741668675898 | -0.1690546076745205 | 0.18903280329027164 CUMUL 2016 (octobre 2015- mars 2016) | 0.3148724569340278 | -1.1282608166894639 | 0.37931751941727904 | 0.31750662199646523 | 0.228435762509175 | 0.8808190980697111 | 0.548239404327035 | 0.23473664890308113 | 0.23473664890308113 | 0.004437685313843696 | 0.17206292504480614 | 0.07420946473303082 | 0.5208353824546921 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2017 (janvier-mars 2017) | 0.8935037845454382 | 0.6954422694255329 | 0.6722531390838068 | 0.7933609821384313 | 0.7299339101185963 | 0.6066707023076311 | 0.7355607978195611 | 0.5631711068809706 | 0.5631711068809706 | 0.9827677732859651 | 0 | 0.9827677732859651 | 0.7289705010822303 TRIM 2 2016 (janvier-mars 2016) | 0.9080253162913378 | 0.6627347863060827 | 0.7698244478366175 | 0.8028698602902288 | 0.7379726592950668 | 0.7242660741733234 | 0.7800456746786468 | 0.5686227904515005 | 0.7698244478366175 | 0.6458112407211029 | 0.8912394634130342 | 0.7960076675264198 | 0.769420991890559 CUMUL 2017 (octobre 2016- mars 2017) | 0.8973105168205402 | 0.6778909737251234 | 0.6789975776397131 | 0.7798217370818282 | 0.7328366152407596 | 0.5595056523710638 | 0.7240366759640798 | 0.515289914198177 | 0.515289914198177 | 0.7861137524779602 | 0.8934731761341566 | 0.8570804195804196 | 0.71785641752369 CUMUL 2016 (octobre 2015- mars 2016) | 0.9074401067801464 | 0.6453390994247824 | 0.7663314810303978 | 0.8120608533220787 | 0.7513845118496085 | 0.6938202075863314 | 0.7739616576293327 | 0.5478382323396979 | 0.5478382323396979 | 0.714654052499529 | 0.9045043114991163 | 0.8218203648676664 | 0.7647266419244265 Rendement moyen des prêts TRIM 2 2017 (janvier-mars 2017) | 0.09097759350709261 | 0.06802299495036186 | 0.13472454628813463 | 0.15253484311557894 | 0.10603141383894181 | 0.10788775374347953 | 0.1105387670020298 | 0.10458548574303947 | 0.10458548574303947 | 0.1319354149546754 | 0 | 0.049018036918113704 | 0.10902035675839465 TRIM 2 2016 (janvier-mars 2016) | 0.096982698205544 | 0.05673521348728673 | 0.15862393079755996 | 0.16323322313521244 | 0.11769366075625844 | 0.12491973088405506 | 0.12281506224320594 | 0.12039968228565831 | 0.12039968228565831 | 0.11471657272811592 | 0.10952141809593473 | 0.11111844487862449 | 0.12217905358870335 CUMUL 2017 (octobre 2016- mars 2017) | 0.09418298228420802 | 0.06893930000321001 | 0.13625437577348382 | 0.1540817020708974 | 0.11191016859088622 | 0.10861012757383716 | 0.11318918919109404 | 0.10255315098200907 | 0.10255315098200907 | 0.14464728745036554 | 0.22140488508285447 | 0.19156870946340576 | 0.11425492609154593 CUMUL 2016 (octobre 2015- mars 2016) | 0.09678498737502761 | 0.05601693738225881 | 0.15277266433271183 | 0.16378251219007578 | 0.11933300894834525 | 0.12682103349457627 | 0.12339992155414406 | 0.11420154540809531 | 0.11420154540809531 | 0.1426408220299191 | 0.11917619022576993 | 0.12688484860499522 | 0.12306495202424649 Rendement moyen des prêts productifs TRIM 2 2017 (janvier-mars 2017) | 0.09681577172323239 | 0.12290819662878413 | 0.1356843921629879 | 0.15387011323745156 | 0.10985656384839715 | 0.10818373914838333 | 0.1141493969992799 | 0.11689804848518216 | 0.11689804848518216 | 0.1319354149546754 | 0 | 0.05096799879324713 | 0.11302784087910467 TRIM 2 2016 (janvier-mars 2016) | 0.10637490242540609 | 0.10271220236170507 | 0.16157144736053827 | 0.16566584073664375 | 0.1244497874722619 | 0.1260649988150655 | 0.12863037162961044 | 0.13112988823787533 | 0.13112988823787533 | 0.11471657272811592 | 0.1162717640721099 | 0.11577365878125424 | 0.12820047600511877 CUMUL 2017 (octobre 2016- mars 2017) | 0.10005682111780399 | 0.11915390128917487 | 0.13716175308118372 | 0.15565874153013878 | 0.11589632506924752 | 0.10924633528774226 | 0.11692873839398567 | 0.11328293428676499 | 0.11328293428676499 | 0.14464728745036554 | 0.23774258977077664 | 0.1999690446622151 | 0.11844266771787731 CUMUL 2016 (octobre 2015- mars 2016) | 0.10526377492849827 | 0.09810106875486002 | 0.1540161106201584 | 0.1654133217718451 | 0.1256063826409868 | 0.12780983411477867 | 0.12867090285802993 | 0.12280062091809413 | 0.12280062091809413 | 0.1426408220299191 | 0.12696315877545333 | 0.13233484755948344 | 0.1285310451705725 Rémunération moyenne des dépôts TRIM 2 2017 (janvier-mars 2017) | 0.005543049974235677 | 0.018792132359079856 | 0.028811605654501714 | 0.015962200753009737 | 0.012636356832706861 | 0.015262439649831393 | 0.013141655670970807 | 0.045713264114936834 | 0.045713264114936834 | 0.000354846050314353 | 0 | 0.00021885717786391894 | 0.013496325257513597 TRIM 2 2016 (janvier-mars 2016) | 0.005112842601815495 | 0.014026432144331927 | 0.022614124863215193 | 0.015829583976266163 | 0.014033847651031717 | 0.013358020083484773 | 0.01228123132493208 | 0.04327095067341572 | 0.04327095067341572 | 0.012911037562949734 | 0.004858118687677981 | 0.008379159222112183 | 0.013012078825395481 CUMUL 2017 (octobre 2016- mars 2017) | 0.005508018679002325 | 0.020976643727997634 | 0.02867929544274023 | 0.017565431002072075 | 0.013297639557189165 | 0.01755440604023919 | 0.014217051290969056 | 0.05282373515154667 | 0.05282373515154667 | 0.005508652748162295 | 0.008738174752647758 | 0.006735079905698583 | 0.014876567181294646 CUMUL 2016 (octobre 2015- mars 2016) | 0.005046357184934562 | 0.013650813262689661 | 0.022404763997266455 | 0.014963457489763913 | 0.013712656037753316 | 0.015257761014677145 | 0.012741730309180273 | 0.04337991665400563 | 0.04337991665400563 | 0.012878365485049555 | 0.004753881144401378 | 0.008489166101733977 | 0.013433732540654825 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2017 (janvier-mars 2017) | 0.5928719590592997 | 0.6993302701031483 | 0.7195441635236152 | 0.7330402449588237 | 0.7049782505827564 | 0.5108524576092318 | 0.6130582599912998 | 0.47672697608856446 | 0.47672697608856446 | 1.0603815780278147 | 0 | 1.0603815780278147 | 0.6158418021094347 TRIM 2 2016 (janvier-mars 2016) | 0.5424385233315692 | 1.0681728082844495 | 0.625641424857486 | 0.6545969158696077 | 0.5791869546116383 | 0.17451632070309883 | 0.33974620790089466 | 0.43473932596836007 | 0.43473932596836007 | 1.2381778873968514 | 0.8193742131225362 | 0.988565910544703 | 0.35747922190933257 CUMUL 2017 (octobre 2016- mars 2017) | 0.6185354179848418 | 0.7132669206378212 | 0.7421025019878225 | 0.705623015950299 | 0.7253896200545115 | 0.5906021613405381 | 0.6549682541241971 | 0.49133112162574855 | 0.49133112162574855 | 0.9622929956698176 | 1.175512732350301 | 1.091061261238413 | 0.6679498194740048 CUMUL 2016 (octobre 2015- mars 2016) | 0.5530457336337286 | 1.0892048317427572 | 0.6443840980864677 | 0.6348969520739726 | 0.5737197608088289 | 0.25096930699369896 | 0.41222462913643204 | 0.4634771309966342 | 0.4634771309966342 | 0.9911552249022751 | 0.7277869686048637 | 0.8432363996251803 | 0.4288481103814173 Productivité par employé ('000) TRIM 2 2017 (janvier-mars 2017) | 3808.055312154964 | 1361.3770200701756 | 4369.327040633662 | 2560.2285714285713 | 3040.718093999292 | 5204.70236844213 | 3729.821682155239 | 5505.267869650349 | 5505.267869650349 | 6636.057971014493 | 0 | 2916.484076433121 | 3743.3083553104634 TRIM 2 2016 (janvier-mars 2016) | 3837.2702184038867 | 856.8143980307692 | 4202.460879997635 | 2523.1414309484194 | 3113.3961605733343 | 12679.421565202703 | 5742.951827809654 | 5542.97764141844 | 5542.97764141844 | 7100.756756756757 | 4355.146067415731 | 5161.396825396825 | 5723.63409390636 CUMUL 2017 (octobre 2016- mars 2017) | 4056.1063011989795 | 1237.276174375 | 4216.560459532 | 2581.4673998428907 | 2857.3211874626863 | 4381.1288455475615 | 3469.755670066749 | 5174.62424 | 5174.62424 | 7038.704225352113 | 8373.582417582418 | 7788.543209876543 | 3571.2904321562055 CUMUL 2016 (octobre 2015- mars 2016) | 3899.3765012058825 | 792.2392324458203 | 4027.987020726037 | 2605.1849315068494 | 2866.822236271689 | 8871.75047500214 | 4626.284153684425 | 5029.189978028168 | 5029.189978028168 | 9002.108108108108 | 4849.477272727273 | 6078.656 | 4673.49889066889 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 [sysratfinclé.déc. 16 ] 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 2016 | 0.0778081467695615 | -0.0014350529801539578 | 0.07665168306594922 | 0.08713499653350709 | 0.0739991390390464 | 0.12524162035736658 | 0.09256302354996905 | 0.07285360351294273 | 0.07285360351294273 | 0.06778467148897524 | 0.060022839944129526 | 0.0635329353512034 | 0.09065992070090896 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 décembre 2016 | 0.8179288443298289 | 0.8569966840179011 | 0.7558903915456049 | 0.8154750061356979 | 0.8373754836369536 | 0.8207875425297395 | 0.8213565733649011 | 0.7002624883115279 | 0.7002624883115279 | 0.7777128894577531 | 0.875620063009807 | 0.8313439771119031 | 0.8178939659129922 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2016 | 0.048578308470682514 | 0.42615754766302366 | 0.007811976747086964 | 0.00878999413297487 | 0.033694114801771896 | 0.0004985618662191034 | 0.02875273405145443 | 0.125381829055661 | 0.125381829055661 | 0 | 0.0608757556549956 | 0.04634925139629393 | 0.034184763911252504 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2016 | 0.747191318790873 | 0.8058866763657341 | 0.975395635475628 | 0.9343769453849774 | 1.2283553405418597 | 20.92556172663765 | 1.0559256765339042 | 0.2064496036202033 | 0.2064496036202033 | 0 | 0.5438905940401725 | 0.5438905940401725 | 0.8765862840635527 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2016 | 0.03414099034807677 | -23.585782803322637 | 0.0012412020999128816 | 0.0026920650106916463 | -0.0322365274054283 | -0.022068088336397146 | -0.005136084225934806 | 0.6345587634310909 | 0.6345587634310909 | 0 | 0.14485211013883337 | 0.07496258192387656 | 0.013868265106845318 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2017 (octobre. - décembre. 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 TRIM 1 2016 (octobre. - décembre. 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 CUMUL 2017 (octobre - décembre 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 CUMUL 2016 (octobre - décembre 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 ROE (rendement de l'avoir des actionn.) TRIM 1 2017 (octobre. - décembre. 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 TRIM 1 2016 (octobre. - décembre. 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 CUMUL 2017 (octobre - décembre 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 CUMUL 2016 (octobre - décembre 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2017 (octobre. - décembre. 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 TRIM 1 2016 (octobre. - décembre. 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.762158850562841 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 CUMUL 2017 (octobre - décembre 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 CUMUL 2016 (octobre - décembre 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.5232227749677519 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 Rendement moyen des prêts TRIM 1 2017 (octobre. - décembre. 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.20248345714665372 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 TRIM 1 2016 (octobre. - décembre. 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 CUMUL 2017 (octobre - décembre 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.1007959323575557 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 CUMUL 2016 (octobre - décembre 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 Rendement moyen des prêts productifs TRIM 1 2017 (octobre. - décembre. 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 TRIM 1 2016 (octobre. - décembre. 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 CUMUL 2017 (octobre - décembre 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 CUMUL 2016 (octobre - décembre 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 Rémunération moyenne des dépôts TRIM 1 2017 (octobre. - décembre. 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 TRIM 1 2016 (octobre. - décembre. 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 CUMUL 2017 (octobre - décembre 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 CUMUL 2016 (octobre - décembre 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2017 (octobre. - décembre. 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 TRIM 1 2016 (octobre. - décembre. 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 CUMUL 2017 (octobre - décembre 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 CUMUL 2016 (octobre - décembre 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 Productivité par employé ('000) TRIM 1 2017 (octobre. - décembre. 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 TRIM 1 2016 (octobre. - décembre. 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 CUMUL 2017 (octobre - décembre 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 CUMUL 2016 (octobre - décembre 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 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 [sysratfinclé.sept. 16] 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 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.09264028791412363 | 0.07554863019553665 | 0.07554863019553665 | 0.06444567566828094 | 0.05693046483793471 | 0.06043220452290159 | 0.0906192688286851 Au 30 septembre 2015 | 0.07311273478667339 | 0.022106575250711222 | 0.06336105060809091 | 0.08911142793390697 | 0.07203573866007543 | 0.08729278529419134 | 0.0778475628014552 | 0.07416133737929038 | 0.07416133737929038 | 0.07617158669023051 | 0.0522375539803038 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.8170382553634135 | 0.7109068765144876 | 0.7109068765144876 | 0.7621981791567485 | 0.8802919302902742 | 0.825265719552309 | 0.8141191051278704 Au 30 septembre 2015 | 0.7866143422427879 | 0.8656070315761414 | 0.8040688805504217 | 0.8476169259116534 | 0.8096830249836857 | 0.8090800159392417 | 0.807361058954389 | 0.7415964005105095 | 0.7415964005105095 | 0.7514868125234071 | 0.8767457712332675 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.02939865585618658 | 0.1040880136032887 | 0.1040880136032887 | 0 | 0.06872014267058517 | 0.050697034468474234 | 0.03394940216672454 Au 30 septembre 2015 | 0.06943674388907971 | 0.39744535391982855 | 0.015435212022437708 | 0.006285618990994649 | 0.04850181662821433 | 0.004510084115484565 | 0.03780035503263564 | 0.06747514519877892 | 0.06747514519877892 | 0.0003530517210407771 | 0.05685393797081728 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 1.036109278122458 | 0.19974725426153223 | 0.19974725426153223 | 0 | 0.5685748629475483 | 0.5685748629475483 | 0.8810163174056982 Au 30 septembre 2015 | 0.56491289338209 | 0.9454014690403388 | 1.325036371586142 | 1.3248644595685777 | 0.8812932065444768 | 1.9699112006201913 | 0.8631981462990274 | 0.3540804752847749 | 0.3540804752847749 | 0 | 0.68622554464597 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2016 | 0.020086764726991935 | -5.448785091579863 | -0.008596697155750272 | 0.020792761718043545 | -0.03493361736482914 | -0.007182810489663147 | -0.0034287634969076973 | 0.5466429004007477 | 0.5466429004007477 | 0 | 0.16272682481943118 | 0.08186804493433891 | 0.013459872248919563 Au 30 septembre 2015 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 201 6 (juil. - sept. 2016) | 0.01357917021322789 | -0.010144683049198074 | 0.011009093567073176 | 0.01630822825992434 | 0.014322806666009668 | 0.0532375191524521 | 0.02718271162079874 | 0.018885212448790854 | 0.018885212448790854 | 0.001751881958331591 | 0.012696554617847449 | 0.007664774293832385 | 0.025981825416948073 TRIM 4 2015 (juil. - sept. 2015) | 0.0010133401004609828 | -0.007856159837074267 | 0.02613730555887643 | 0.030499657967242154 | 0.016207598115097057 | 0.026014222793085483 | 0.0170033272152115 | 0.01570795417872854 | 0.01570795417872854 | 0.01045884704083644 | 0.011622902431853703 | 0.011861159491614861 | 0.020832510000493343 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.019529060226210284 | -0.014990865276120102 | 0.01744300692167167 | 0.023824430796300346 | 0.015564538256984568 | 0.06614101829095291 | 0.0344320721022208 | 0.016960648235968614 | 0.016960648235968614 | -0.0021418922549968364 | 0.010548444886662215 | 0.004287635487077266 | 0.03240628733053552 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.01110359024559657 | -0.008499648430098653 | 0.02085421321318172 | 0.029350489047277058 | 0.01002449969514398 | 0.027227373992676173 | 0.01767301994501408 | 0.014550658097473202 | 0.014550658097473202 | 0.01381854834068994 | 0.008638096021353353 | 0.011408366491358422 | 0.02032082022176322 ROE (rendement de l'avoir des actionn.) TRIM 4 201 6 (juil. - sept. 2016) | 0.1786516827563843 | 4.414968112842477 | 0.15549366177139204 | 0.18474987597709933 | 0.19203370591967966 | 0.42776818311468073 | 0.296297095185858 | 0.2538621953059445 | 0.2538621953059445 | 0.02658732339448941 | 0.22846300792239466 | 0.12707405370275088 | 0.28971330206087686 TRIM 4 2015 (juil. - sept. 2015) | 0.014026744792161946 | -0.34237950511861115 | 0.42935148259592 | 0.3442686061941322 | 0.2267651356750947 | 0.29564529386162663 | 0.2194585083270544 | 0.21430252171971792 | 0.21430252171971792 | 0.1789871742972522 | 0.23342961893511827 | 0.19996542037042286 | 0.2729984742163205 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.26549605001192456 | -1.848055842937219 | 0.23562061642520515 | 0.2672395978336055 | 0.21161221850485226 | 0.608435043921886 | 0.4003915766227895 | 0.22638851768650495 | 0.22638851768650495 | -0.030407044828678585 | 0.19249911632700958 | 0.0685856807705271 | 0.3835190142286141 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.15723599599719898 | -0.26456275726575923 | 0.3615769608375321 | 0.33786765774630395 | 0.1388503826539854 | 0.30404361695885007 | 0.22718373819889298 | 0.18705952739072113 | 0.18705952739072113 | 0.218444446306335 | 0.18415204049069728 | 0.20499683148060432 | 0.2656959787560942 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 201 6 (juil. - sept. 2016) | 0.9088997312279506 | 0.6670901881675468 | 0.7129648772373909 | 0.7228366280919363 | 0.7249191460047677 | 0.6291376525070017 | 0.7432042138528369 | 0.5513729783490157 | 0.5513729783490157 | 0.5912408759124088 | 0.8994449755683025 | 0.7899300651412821 | 0.7352883466718235 TRIM 4 2015 (juil. - sept. 2015) | 0.8943027681155826 | 0.6504700303414029 | 0.8243558991764145 | 0.8562953995157385 | 0.8214027767675842 | 0.7523195347299467 | 0.8162453203812363 | 0.6522463253111943 | 0.8243558991764145 | 0.7169677408452608 | 0.952910587895421 | 0.8379786638569688 | 0.8097322438844055 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.9143506643184073 | 0.6573058064314096 | 0.7449085998425536 | 0.7757136292247017 | 0.7384321497851011 | 0.66949993362236 | 0.7620093641485891 | 0.5260544202341622 | 0.5260544202341622 | 0.6590478136957681 | 0.9007887696143022 | 0.8061886681788796 | 0.7518670085025657 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.9055259117474963 | 0.7487801023801958 | 0.8570382857573255 | 0.8846842975361869 | 0.839938467821129 | 0.8151533594246186 | 0.8513024682934848 | 0.6569155634066655 | 0.6569155634066655 | 0.805840894320821 | 0.9797062610769793 | 0.895316366552881 | 0.8444114776650408 Rendement moyen des prêts TRIM 4 201 6 (juil. - sept. 2016) | 0.11018945358319393 | 0.07994753044498167 | 0.13887951370301477 | 0.1565428027985789 | 0.11499774686806219 | 0.1162745366058481 | 0.11978142395216886 | 0.11400102351468751 | 0.11400102351468751 | 0.14699635151478196 | 0.13533173109235908 | 0.13830482951675474 | 0.12015361160040354 TRIM 4 2015 (juil. - sept. 2015) | 0.09855161484643836 | 0.06009460021270629 | 0.14531043527729448 | 0.1634843536935525 | 0.09819549256953528 | 0.1276218036384814 | 0.11625989848830875 | 0.10433657026275509 | 0.10433657026275509 | 0.11655963869646094 | 0.11219825272654599 | 0.11390238604257702 | 0.11553058044475341 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.09633592835005592 | 0.06146693783202019 | 0.14585129355671123 | 0.15802953367459835 | 0.1165599849408993 | 0.12091848658212812 | 0.11949368001140762 | 0.11429602531156825 | 0.11429602531156825 | 0.12860638622540582 | 0.12596896452166792 | 0.12680791691442875 | 0.11952648983663465 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.0854000422996563 | 0.0690009340555091 | 0.1296367777891094 | 0.14666681745336588 | 0.08533805201672334 | 0.10387924547221736 | 0.09907984845725049 | 0.09600234926819691 | 0.09600234926819691 | 0.10876643157954177 | 0.09405662694680221 | 0.09963286868151143 | 0.09895570708918694 Rendement moyen des prêts productifs TRIM 4 201 6 (juil. - sept. 2016) | 0.11817454887478364 | 0.12994217015999968 | 0.13989669151096742 | 0.15863256012769167 | 0.12025120591872503 | 0.11714964345245969 | 0.12441504423654709 | 0.1265345736833658 | 0.1265345736833658 | 0.14699635151478196 | 0.14458104581134948 | 0.1452274768918207 | 0.12527328403943144 TRIM 4 2015 (juil. - sept. 2015) | 0.10550596345670098 | 0.09744156137508202 | 0.14594631459683716 | 0.16481164587613387 | 0.10318549421519012 | 0.12811348760966673 | 0.12074038182178845 | 0.11430075202807238 | 0.11430075202807238 | 0.11739584114256485 | 0.11926939628171772 | 0.1185131301501236 | 0.12031430646094197 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.10202761183967712 | 0.10012672542382962 | 0.1473249912107327 | 0.15953236774373156 | 0.12144614872788519 | 0.12162364539119629 | 0.12360103468545577 | 0.1251884086558649 | 0.1251884086558649 | 0.12860638622540582 | 0.13439307623958416 | 0.13247016312085885 | 0.12404153454218945 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.09052298009154569 | 0.11230104534300293 | 0.13199479411025508 | 0.14756336380898757 | 0.0886412985887333 | 0.10414954572948672 | 0.10234835405177764 | 0.10431543954003061 | 0.10431543954003061 | 0.1087870835078181 | 0.10023632250565184 | 0.10360640852908441 | 0.10250489500969355 Rémunération moyenne des dépôts TRIM 4 201 6 (juil. - sept. 2016) | 0.005425908473680794 | 0.020287397202389444 | 0.027305560900669976 | 0.023027790359969092 | 0.014382620753842069 | 0.01628634138898156 | 0.014225843355463315 | 0.04632200559215955 | 0.04632200559215955 | 0.015405826122444902 | 0.005095213994109857 | 0.009483717817562383 | 0.014883118125419821 TRIM 4 2015 (juil. - sept. 2015) | 0.005254923366426701 | 0.014191493222792137 | 0.01508299444476527 | 0.012035450087303601 | 0.008936191356393328 | 0.012340308631497189 | 0.009829716073457218 | 0.0302931498389757 | 0.0302931498389757 | 0.012925400072251512 | 0.0023393018152810664 | 0.007718699424832777 | 0.010298554720301079 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.004712985163678976 | 0.01615293422044827 | 0.023940048805936875 | 0.018463017032424905 | 0.014490003478511261 | 0.015445704433420197 | 0.013260407962321348 | 0.04825146953623522 | 0.04825146953623522 | 0.013265786558804471 | 0.005034994051497499 | 0.008789133339888804 | 0.01401804110283661 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.004334308903018387 | 0.010272550317016576 | 0.010967229300165643 | 0.008871019132083869 | 0.007350691862049117 | 0.008296668635488808 | 0.007247797550127812 | 0.02851564938584206 | 0.02851564938584206 | 0.007605083447735179 | 0.0008609572227628543 | 0.004268967381254107 | 0.007657583666099035 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 201 6 (juil. - sept. 2016) | 0.6770912705730295 | 1.0806112874095015 | 0.8332054795866007 | 0.7578729611049446 | 0.6995594773445958 | 0.3782329418548628 | 0.5904986440686749 | 0.6155693220939157 | 0.6155693220939157 | 0.9366464729438341 | 0.8102603341167041 | 0.8541636942978076 | 0.6008509737828742 TRIM 4 2015 (juil. - sept. 2015) | 0.8800508175776631 | 0.9477422658245843 | 0.5522567733120629 | 0.6354979492970743 | 0.5107627361351328 | 0.4954524862876954 | 0.5923274445950876 | 0.5009314662153207 | 0.5009314662153207 | 0.7490805608342551 | 0.7148427929767251 | 0.7326180110047071 | 0.5980370844962793 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.5913411826168897 | 1.118898252521943 | 0.7253859185085992 | 0.6752080410433678 | 0.6230409619146867 | 0.3281101295659893 | 0.49759013671977587 | 0.5139899591332413 | 0.5139899591332413 | 1.0633732637111362 | 0.7879742780532948 | 0.9009224007614355 | 0.5131372781157897 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.6856136647427727 | 0.9200078533327017 | 0.6353475633230857 | 0.6218392164985058 | 0.6409289433457857 | 0.5043522634156501 | 0.5993136998081318 | 0.5135573005486339 | 0.5135573005486339 | 0.6637767459866694 | 0.779948987372431 | 0.7172129794678814 | 0.6039584532746723 Productivité par employé ('000) TRIM 4 201 6 (juil. - sept. 2016) | 4510.701592151556 | 1208.9907112643677 | 4306.34030550107 | 2526.97004048583 | 3128.8255387149447 | 5407.901844163196 | 3889.782729025032 | 5540.92285142857 | 5540.92285142857 | 6403.726027397261 | 4852.2430939226515 | 5298.141732283465 | 3954.1907793328232 TRIM 4 2015 (juil. - sept. 2015) | 3827.7488566608417 | 861.6616226415097 | 4374.249747064675 | 2662.85 | 2665.013720082192 | 4064.2337249804764 | 3241.696708742912 | 4767.653417872341 | 4767.653417872341 | 11282.24 | 4503.908045977011 | 6545.574297188755 | 3360.7953334285053 CUMUL 2016 (octobre 2015 - sept. 2016) | 4248.7397139385075 | 924.0659584070797 | 4019.023697366072 | 2582.7159663865546 | 2941.9717203651107 | 6870.057843196617 | 4159.868845802437 | 5119.021304857143 | 5119.021304857143 | 7813.6 | 4708.715083798883 | 5625.511811023622 | 4216.334641971632 CUMUL 2015 (octobre 2014 - sept. 2015) | 3242.9347772723004 | 905.1859108280255 | 3230.573763258145 | 2457.9636363636364 | 2282.5178260781895 | 3878.687916746242 | 2884.371991947998 | 4320.785065507246 | 4320.785065507246 | 11059.971830985916 | 3757.6067415730336 | 5839.807228915663 | 2992.288856337569 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 [bilsysbamars 20] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7776647.6 | 307528.80507 | 1012087.8492968641 | 994217 | 3377509.92953 | 3473532.274444528 | 16941523.45834139 | 28687.53374 | 28687.53374 | 72580 | 72580 | 17042790.99208139 Avoirs à la BRH | 24610577.28 | 1865114.3940499998 | 10178311.01284821 | 10555566 | 41671302.48884 | 54086808.92859341 | 142967680.1043316 | 1156048.25308 | 1156048.25308 | 3690840 | 3690840 | 147814568.35741162 Avoirs à l'étranger | 1811850.53 | 792.67539 | 1282809.24243768 | 3439666 | 5405934.331990001 | 12220400.784237327 | 24161453.56405501 | 0 | 0 | 1329082 | 1329082 | 25490535.56405501 Avoirs dans les banques locales | 0 | 0 | 55946.16833211201 | 9967 | 11223.04 | 0 | 77136.208332112 | 195634.65436 | 195634.65436 | 0 | 0 | 272770.862692112 Autres liquidités | 293899.25 | 32114.35076 | 18182.5028212 | 331243 | 114321.06595000002 | 774728.70447612 | 1564488.87400732 | 105115.48004 | 105115.48004 | 54849 | 54849 | 1724453.35404732 34492974.660000004 | 2205550.22527 | 12547336.775736064 | 15330659 | 50580290.85631 | 70555470.69175139 | 185712282.20906743 | 1485485.9212200001 | 1485485.9212200001 | 5147351 | 5147351 | 192345119.1302875 Bons B.R.H. | 6350000 | 754000 | 599700 | 200000 | 2400000 | 3400000 | 13703700 | 0 | 0 | 0 | 0 | 13703700 Bons du Trésor / M.E.F. | 9200000 | 401000 | 0 | 0 | 0 | 1700000 | 11301000 | 0 | 0 | 0 | 0 | 11301000 Autres Placements | 12255856.3 | 0 | 608948.6497838618 | 2080192 | 21040166.725150004 | 28084751.92451871 | 64069915.59945257 | 983064.94456 | 983064.94456 | 0 | 0 | 65052980.54401257 Portefeuille net | 21515500.900000002 | 690378.5185499999 | 14611906.309788024 | 10865072 | 31712103.112940002 | 35962296.2653 | 115357257.10657802 | 4859412.630299999 | 4859412.630299999 | 668207 | 668207 | 120884876.73687802 Immobilisations | 2280409.66876 | 348079.55078 | 1015424.75721 | 789170 | 3082839.2359100003 | 2783113.95739 | 10299037.170049999 | 628202.35713 | 628202.35713 | 291474 | 291474 | 11218713.52718 Autres actifs | 2143863.1799999997 | 649148.56492 | 391764.72360745596 | 568612 | 5377338.09899 | 3150172.960011396 | 12280899.527528852 | 1066408.02637 | 1066408.02637 | 35487 | 35487 | 13382794.553898852 88238604.70876002 | 5048156.8595199995 | 29775081.216125403 | 29833705 | 114192738.02929999 | 145635805.7989715 | 412724091.612677 | 9022573.87958 | 9022573.87958 | 6142519 | 6142519 | 427889184.492257 PASSIF Dépôts À vue | 33183659 | 2019952.5003 | 9147393.753796978 | 9755711 | 40764134.36102999 | 53414186.628390744 | 148285037.2435177 | 2150831.14615 | 2150831.14615 | 4211896 | 4211896 | 154647764.3896677 Épargne | 22574142.6 | 502381.67238999996 | 4523438.91383672 | 5870244 | 30253888.943820003 | 47342816.10248767 | 111066912.2325344 | 744707.1617200001 | 744707.1617200001 | 563043 | 563043 | 112374662.39425439 À terme | 11819613.227745632 | 1778466.76812 | 9567618.368680865 | 8772789 | 21904864.55863928 | 24537196.43598253 | 78380548.3591683 | 2774515.54645 | 2774515.54645 | 4256 | 4256 | 81159319.90561831 67577414.82774563 | 4300800.94081 | 23238451.036314562 | 24398744 | 92922887.86348927 | 125294199.16686094 | 337732497.8352204 | 5670053.85432 | 5670053.85432 | 4779195 | 4779195 | 348181746.6895404 Obligations à vue Banques locales | 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 Autres | 2119444.9 | 143461.48152 | 1313863.2200683665 | 834776 | 5371063.6517199995 | 4006492.4700985635 | 13789101.72340693 | 177588.07945 | 177588.07945 | 848368 | 848368 | 14815057.80285693 2119444.9 | 143461.48152 | 1313863.2200683665 | 834776 | 5371063.6517199995 | 4006492.4700985635 | 13789101.72340693 | 177588.07945 | 177588.07945 | 848368 | 848368 | 14815057.80285693 Obligations à terme Banques locales | 4675930 | 0 | 2134106.92728 | 602183 | 5036485.515559999 | 1632670.0277200001 | 14081375.47056 | 1789726.22193 | 1789726.22193 | 0 | 0 | 15871101.69249 Banque à l'étranger | 0 | 0 | 0 | 0 | 196738.28617 | 0 | 196738.28617 | 195945.6 | 195945.6 | 0 | 0 | 392683.88617 Autres | 4456319 | 616063.8972 | 102935.8676676816 | 79943 | 682443.7352400001 | 1161112.8761488642 | 7098818.376256546 | 249383.22950999998 | 249383.22950999998 | 84630 | 84630 | 7432831.605766546 9132249 | 616063.8972 | 2237042.7949476815 | 682126 | 5915667.53697 | 2793782.9038688643 | 21376932.132986546 | 2235055.05144 | 2235055.05144 | 84630 | 84630 | 23696617.184426546 Autres passifs | 1097193.00098 | 22154.631520000003 | 324051.2642671361 | 861332 | 3129063.52558 | 1648896.8169656321 | 7082691.239312768 | 231798.35713 | 231798.35713 | 0 | 0 | 7314489.596442768 79926301.72872564 | 5082480.951049999 | 27113408.315597743 | 26776978 | 107338682.57775928 | 133743371.35779402 | 379981222.9309267 | 8314495.34234 | 8314495.34234 | 5712193 | 5712193 | 394007911.2732667 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 727340.26157 | 810000 | 3000000 | 6403480.04 | 14105820.30157 | 300000 | 300000 | 103837 | 103837 | 14509657.30157 Réserves | 959252 | 78594.77100000001 | 208891.59874 | 391254 | 1001660.3455399999 | 1360455.52707 | 4000108.24235 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 4321001.53168 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000 Surplus d'apport | 0 | 14325 | 1164266.7538800002 | 1384 | -8e-05 | 0 | 1179975.7538000003 | 0 | 0 | 0 | 0 | 1179975.7538000003 BNR | 4193051 | -292243.86253 | 561174.286358953 | 1854089 | 2852395.1060999963 | 4128498.8750299998 | 13296964.404958948 | 146473.24791 | 146473.24791 | 267201 | 267201 | 13710638.652868949 8312303 | -34324.091529999976 | 2661672.900548953 | 3056727 | 6854055.451559996 | 11892434.4421 | 32742868.70267895 | 708078.53724 | 708078.53724 | 430326 | 430326 | 33881273.23991895 88238604.72872564 | 5048156.8595199995 | 29775081.216146696 | 29833705 | 114192738.02931927 | 145635805.799894 | 412724091.6336056 | 9022573.87958 | 9022573.87958 | 6142519 | 6142519 | 427889184.51318556 Hors-bilan Effets à l'encaissement | 1219162.6 | 0 | 0 | 0 | 8313.37009 | 1625.6101626920001 | 1229101.580252692 | 0 | 0 | 0 | 0 | 1229101.580252692 Crédit documentaire | 183253 | 0 | 0 | 0 | 1944464.5675800003 | 1476175.735910064 | 3603893.3034900646 | 0 | 0 | 0 | 0 | 3603893.3034900646 Autres | 8464977.6 | 244819.008726256 | 2142216.11721568 | 305573 | 8405735.0967 | 1212434.7700368483 | 20775755.592678785 | 626489.42224 | 626489.42224 | -1015248.1298199999 | -1015248.1298199999 | 20386996.885098785 Portefeuille brut | 22873844.1 | 1346650.99485 | 15149013.818675995 | 10947901 | 33505490.416810002 | 36618062.65118 | 120440962.981516 | 5057445.13242 | 5057445.13242 | 668207 | 668207 | 126166615.113936 Provisions pour créances douteuses | 1358343.2 | 656272.4763 | 537107.508887971 | 82829 | 1793387.30387 | 655766.38588 | 5083705.874937971 | 198032.50212 | 198032.50212 | 0 | 0 | 5281738.377057971 Portefeuille de crédit improductif | 5355879.699999999 | 1075775.064724432 | 240735.720208016 | 98154 | 649686 | 321541.31422 | 7741771.799152448 | 678754.10549 | 678754.10549 | 0 | 0 | 8420525.904642448 Dépôts US convertis | 31459263.660755634 | 2784011.6876 | 16050518.282584561 | 18776752 | 65718295.590319276 | 87843373.23022094 | 222632214.45148042 | 4604018.16117 | 4604018.16117 | 3721702 | 3721702 | 230957934.61265042 Immobilisation /A | 0.27434149943282865 | -10.140969076363497 | 0.38149870218860293 | 0.2581748386427705 | 0.44978323529733627 | 0.2340239057814432 | 0.3145429089787528 | 0.8871930500515562 | 0.8871930500515562 | 0.6773329987033087 | 0.6773329987033087 | 0.3311184159974868 Liquidité en % de l'actif | 0.567132433985914 | 0.6656984556517 | 0.44154495097114876 | 0.5205742632368323 | 0.46395499197782725 | 0.5194839982976609 | 0.5105516893518681 | 0.16464103714151568 | 0.16464103714151568 | 0.8379869887256352 | 0.8379869887256352 | 0.5079581980745779 Liquidité en % des dépôts | 0.740528100809408 | 0.7813777646349482 | 0.565744969627764 | 0.6365351839422554 | 0.5701532967221385 | 0.6038226126574063 | 0.6239168085976619 | 0.26198797390402423 | 0.26198797390402423 | 1.077033056822331 | 1.077033056822331 | 0.62424242855008 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 70555470.69175139 | BNC | 6350000 | UNIBK | 35962296.2653 | UNIBK | 11892434.4421 SOGEBK | 50580290.85631 | UNIBK | 3400000 | SOGEBK | 31712103.112940002 | BNC | 8312303 BNC | 34492974.660000004 | SOGEBK | 2400000 | BNC | 21515500.900000002 | SOGEBK | 6854055.451559996 CAPITALBK | 15330659 | BPH | 754000 | BUH | 14611906.309788024 | CAPITALBK | 3056727 BUH | 12547336.775736064 | BUH | 599700 | CAPITALBK | 10865072 | BUH | 2661672.900548953 CBNA | 5147351 | CAPITALBK | 200000 | SOGEBL | 4859412.630299999 | SOGEBL | 708078.53724 BPH | 2205550.22527 | CBNA | 0 | BPH | 690378.5185499999 | CBNA | 430326 SOGEBL | 1485485.9212200001 | SOGEBL | 0 | CBNA | 668207 | BPH | -34324.091529999976 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [sysratfinclé.mars 15 ] 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 2015 | 0.07247063166493371 | 0.027728771476712124 | 0.06180543673912304 | 0.08605024373713359 | 0.07199883558162791 | 0.10050115515958631 | 0.08187108182546783 | 0.07303822029155015 | 0.07303822029155015 | 0.051270153771969744 | 0.05017031935932962 | 0.0508153203297936 | 0.07947938312879163 Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 Dépôts en % de l'actif Au 31 mars 2015 | 0.7965701684725821 | 0.8450861658054181 | 0.8477810454259005 | 0.8539591780274732 | 0.8227397612852716 | 0.8223934739208267 | 0.8193301710495033 | 0.7182307495598217 | 0.7182307495598217 | 0.7374898371732286 | 0.8666066289754932 | 0.7908857249389082 | 0.8141797460896701 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 mars 2015 | 0.05587345366272378 | 0.4021111282724963 | 0.024823251362599566 | 0.0064779542679581185 | 0.07264890090241163 | 0.004207954369586466 | 0.04280421588682717 | 0.05546927219093787 | 0.05546927219093787 | 0.03523722497879305 | 0.06571153940084287 | 0.052835138986271006 | 0.04396700004793931 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 mars 2015 | 0.5362472247283342 | 0.8809161634254901 | 0.8096635787982053 | 1.2256327865155872 | 0.49092749859856877 | 1.440376428785782 | 0.629807228318665 | 0.36906303919177813 | 0.36906303919177813 | 0 | 0.5315905361625738 | 0.43124496373892024 | 0.6007773749138591 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 mars 2015 | 0.07963858758031334 | 0.7504594042992615 | 0.03581428515696819 | -0.007687063071368211 | 0.188005634656849 | -0.007028156754006801 | 0.06690149418244275 | 0.25844036233846057 | 0.25844036233846057 | 0.11136833821367445 | 0.23368445357131612 | 0.1613097669741492 | 0.07660504691880167 Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2015 (janvier - mars 2015) | 0.015771217285552638 | -0.011718490495650026 | 0.02189202604528634 | 0.029669980927950295 | 0.013177200501023138 | 0.02851417645806862 | 0.01812660270793836 | 0.01431913067201819 | 0.01431913067201819 | 0.010919804465693095 | 0.009830761238872016 | 0.010429351598012913 | 0.01749756367008322 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 CUMUL 2015 (octobre 2014 - mars 2015) | 0.015722305767765257 | -0.006994419762272569 | 0.01655039275990244 | 0.027189381610516913 | 0.006573622213878641 | 0.025427424271113122 | 0.016770869521095452 | 0.014044399583162195 | 0.014044399583162195 | 0.010383671644038275 | 0.012987982788378516 | 0.0115123490406778 | 0.0163332807226659 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 ROE (rendement de l'avoir des actionn.) TRIM 2 2015 (janvier - mars 2015) | 0.2148309985332163 | -0.34447499706359874 | 0.3902456962425636 | 0.3424225150801011 | 0.09332790747403555 | 0.28692960027358755 | 0.2219384112789202 | 0.18647133528335247 | 0.18647133528335247 | 0.19601651869292486 | 0.2082144481083267 | 0.2010155624095763 | 0.21995443223836547 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 CUMUL 2015 (octobre 2014 - mars 2015) | 0.2238334899670998 | -0.19971467015041114 | 0.2842697153789087 | 0.31934651678817877 | 0.09106451567250241 | 0.26332203961987033 | 0.21006263810893278 | 0.18154629478900217 | 0.18154629478900217 | 0.20097607032809997 | 0.2826919736400284 | 0.23405626820651934 | 0.21022029610279883 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2015 (janvier - mars 2015) | 0.9005576885014279 | 0.7835357038234821 | 0.8773262362716712 | 0.8970324064094273 | 0.8437572088069144 | 0.8605594894130195 | 0.8693153225839981 | 0.6715630893517912 | 0.6715630893517912 | 0.8191849245090249 | 0.9909694032653207 | 0.9152811956065062 | 0.8622108536439683 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 CUMUL 2015 (octobre 2014 - mars 2015) | 0.9168421191148936 | 0.8294835573049971 | 0.8771046489371048 | 0.9004461059190031 | 0.843384832148663 | 0.8688142710171971 | 0.8761817518373888 | 0.6653262338271715 | 0.6653262338271715 | 0.8425549370055669 | 0.9920968164231064 | 0.9243876294786891 | 0.8688242662463537 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 Rendement moyen des prêts TRIM 2 2015 (janvier - mars 2015) | 0.08014122111136185 | 0.06375459471796402 | 0.13721693394874832 | 0.14291273222458248 | 0.07852558175200942 | 0.08913569468213382 | 0.09050205540241044 | 0.09581578751511748 | 0.09581578751511748 | 0.08097774192729293 | 0.10208484805220962 | 0.09280254412347289 | 0.09088527735135987 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 CUMUL 2015 (octobre 2014 - mars 2015) | 0.07902185796682366 | 0.06955999263717605 | 0.12624161510146545 | 0.1390160393053372 | 0.07665401473538323 | 0.08647007285340168 | 0.08795458579400549 | 0.09018348173085504 | 0.09018348173085504 | 0.08957392392126914 | 0.0923348278155562 | 0.09120922810768992 | 0.08823478059740207 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 Rendement moyen des prêts productifs TRIM 2 2015 (janvier - mars 2015) | 0.08460459349616214 | 0.10837141647838269 | 0.14099188246762118 | 0.14433090882683236 | 0.0843579070792618 | 0.08941953736472633 | 0.09441838668696859 | 0.10362689899106994 | 0.10362689899106994 | 0.08233864026440688 | 0.10927815868376753 | 0.09708861835908389 | 0.09499583644792464 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 CUMUL 2015 (octobre 2014 - mars 2015) | 0.08319647187828108 | 0.1136571966294598 | 0.12926658575812594 | 0.13987927943444528 | 0.0806128008663464 | 0.0866880631952826 | 0.09109325728701388 | 0.09737003385204082 | 0.09737003385204082 | 0.09127183149939674 | 0.0988605600324375 | 0.09567556478819104 | 0.09162460912361743 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 Rémunération moyenne des dépôts TRIM 2 2015 (janvier - mars 2015) | 0.0046400941015979965 | 0.007748183609675617 | 0.009131273363631998 | 0.008285668015601303 | 0.007088097333734551 | 0.006488947650281016 | 0.0063357175715063 | 0.026954063463130843 | 0.026954063463130843 | 0.006040902767558744 | 0.00039749245231689395 | 0.0032713867658228928 | 0.0067244069978214015 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 CUMUL 2015 (octobre 2014 - mars 2015) | 0.0034943575324100653 | 0.006863873814266455 | 0.008973282838674773 | 0.007801757700112297 | 0.006838100491900367 | 0.005584533847570773 | 0.0057151276952245875 | 0.026604089602874154 | 0.026604089602874154 | 0.004673931195724783 | 0.0003272340979536125 | 0.002656011182498622 | 0.006076782883194255 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2015 (janvier - mars 2015) | 0.5834969190824814 | 1.0015282455830778 | 0.6943413201356983 | 0.624852681889279 | 0.7263893534775501 | 0.5302681128545018 | 0.6186248944314731 | 0.5100077268799373 | 0.5100077268799373 | 0.5973815859499734 | 0.8030953702139979 | 0.6938105039355831 | 0.6204133921481786 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 CUMUL 2015 (octobre 2014 - mars 2015) | 0.5878158441396769 | 0.8667964923658741 | 0.7577607547488461 | 0.6414839505499529 | 0.7304371384551767 | 0.5430093855573692 | 0.6301172312128893 | 0.5227656089590222 | 0.5227656089590222 | 0.6339319434485854 | 0.7207171568940216 | 0.6740044368369418 | 0.6301382099059023 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 Productivité par employé ('000) TRIM 2 2015 (janvier - mars 2015) | 3203.7135947704282 | 788.8915745337622 | 2973.715624130757 | 2379.8926919518963 | 2107.8867167560134 | 3576.556950563193 | 2707.939282952228 | 4231.654105693432 | 4231.654105693432 | 11387.878787878788 | 3878.2690058479534 | 5969.552742616033 | 2822.1096888896473 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 CUMUL 2015 (octobre 2014 - mars 2015) | 2961.7310002784225 | 958.372933762058 | 2625.0698114208585 | 2306.8159111933396 | 2094.6891618995182 | 3465.3254137265417 | 2614.368750958807 | 4047.744225588236 | 4047.744225588236 | 10907.522388059702 | 3562.0454545454545 | 5587.341563786008 | 2721.1640312925224 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 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. 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 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 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 | 0.029074616878273264 | 0.013055971452746357 | 0.06572007729066545 | 0.0021438281630590567 | 0.040173999507431155 | 0.09568204667475882 | 0.09568204667475882 | 1.3896740547298112e-05 | 0.06594121967427166 | 0.03586517043126149 | 0.04258603176072046 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 | 0.46314330202924026 | 0.5196324481865285 | 0.4694713466802863 | 2.520557549197176 | 0.5914399632072127 | 0.20260584372392962 | 0.20260584372392962 | 0 | 0.571503330834618 | 0.572116438404593 | 0.5488372896692973 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 | 0.1282698216351657 | 0.03313749253031158 | 0.17811709151512586 | -0.013600623566944844 | 0.07330396164272232 | 0.5272138538479961 | 0.5272138538479961 | -0.00019478439161914524 | 0.22214482381882908 | 0.09128510530460046 | 0.08851962525473347 Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.0015255543790796862 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 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 | 0.013276041832199022 CUMUL 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 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 | 0.013276041832199022 ROE (rendement de l'avoir des actionn.) TRIM 1 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948 TRIM 1 2014 (octobre - décembre 2013) | 0.17442378619369847 | 0.1368176887755292 | 0.19811700561928142 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444039223193 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.17413231688383354 CUMUL 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948 CUMUL 2014 (octobre - décembre 2013) | 0.17442378619369847 | 0.1368176887755292 | 0.19811700561928142 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444039223193 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.17413231688383354 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) | 0.07721920699660453 | 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 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) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 Rendement moyen des prêts productifs TRIM 1 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229 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 CUMUL 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229 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 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) | 0.002295673142484845 | 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 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) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 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) | 2743.663000104438 | 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 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) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 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 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 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 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 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) | 0.0660981743172076 | 0.07056267018068657 | 0.1819657346248714 | 0.25166098313439694 | 0.153272882144854 | 0.3502657279145414 | 0.21860833238901453 | 0.12799582534765128 | 0.12799582534765128 | 0.09097334739726623 | -0.11066834480013193 | 0.00963776472630021 | 0.20675602610719573 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 | 0.04525205232551107 | 0.24980219847954527 | 0.1252800978873477 | 0.30630635045938825 | 0.20664954889912238 | 0.12333932071595143 | 0.12333932071595143 | 0.4570828276973791 | -0.031128200255743293 | 0.23538578805679017 | 0.20507592021219445 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 [bilsysbanmars 20$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 31 MARS 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6089048 | 98931.06607 | 396215.413716864 | 286652 | 634090.1542999999 | 912464.918044528 | 8417401.552131392 | 7637.28934 | 7637.28934 | 40945 | 40945 | 8465983.841471393 Avoirs à la BRH | 7980607 | 1384298.41128 | 7449297.343688209 | 8125485 | 28548326.62883 | 36779882.56923341 | 90267896.95303163 | 820299.06695 | 820299.06695 | 2372152 | 2372152 | 93460348.01998162 Avoirs à l'étranger | 1811850.53 | 792.67539 | 1282809.24243768 | 3439666 | 5405934.331990001 | 12220400.784237327 | 24161453.56405501 | 0 | 0 | 1329082 | 1329082 | 25490535.56405501 Avoirs dans les banques locales | 0 | 0 | 6644.421242111999 | 1418 | 0 | 0 | 8062.421242111999 | 193733.35653 | 193733.35653 | 0 | 0 | 201795.777772112 Autres liquidités | 88889 | 22582.00442 | 11357.8887312 | 260891 | 111133.17179000001 | 272662.75089612004 | 767515.81583732 | 97566.56558 | 97566.56558 | 41284 | 41284 | 906366.3814173201 15970394.53 | 1506604.1571599997 | 9146324.309816064 | 12114112 | 34699484.28691 | 50185411.02241138 | 123622330.30629747 | 1119236.2784 | 1119236.2784 | 3783463 | 3783463 | 128525029.58469746 Bons B.R.H. | 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 Autres Placements | 11685584.3 | 0 | 215987.11944386188 | 1062621 | 16867354.551840004 | 17049771.598348707 | 46881318.569632575 | 881432.86949 | 881432.86949 | 0 | 0 | 47762751.43912257 Portefeuille net | 8184452.100000001 | 702043.59107 | 7264285.639222865 | 6691736 | 16833006.36588 | 25121699.78566 | 64797223.48183286 | 2313370.72839 | 2313370.72839 | 505540 | 505540 | 67616134.21022286 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 251073 | 596024.93359 | 98653.790317968 | 181791 | 2839195.6095199995 | 232468.31793139604 | 4199206.651359363 | 875991.34556 | 875991.34556 | 20630 | 20630 | 5095827.996919364 36091503.93 | 2804672.6818199996 | 16725250.858800758 | 20050260 | 71239040.81415 | 92589350.72435148 | 239500079.00912225 | 5190031.22184 | 5190031.22184 | 4309633 | 4309633 | 248999743.23096225 PASSIF Dépôts À vue | 15499298 | 1415236.78102 | 5890595.952836977 | 7443999 | 28188277.443309993 | 37265991.202780746 | 95703398.37994772 | 1811864.83723 | 1811864.83723 | 3158663 | 3158663 | 100673926.21717772 Épargne | 9659303.6 | 258460.32033 | 2838950.95770672 | 4235016 | 20364056.64508 | 32394050.306867667 | 69749837.8299844 | 553450.2214200001 | 553450.2214200001 | 563039 | 563039 | 70866327.0514044 À terme | 6300662.060755632 | 1110314.58625 | 7320971.372040864 | 7097737 | 17165961.501929283 | 18183331.720572535 | 57178978.241548315 | 2238703.1025199997 | 2238703.1025199997 | 0 | 0 | 59417681.34406831 31459263.660755634 | 2784011.6876 | 16050518.282584561 | 18776752 | 65718295.590319276 | 87843373.23022094 | 222632214.45148045 | 4604018.16117 | 4604018.16117 | 3721702 | 3721702 | 230957934.61265042 Obligations à vue Banques locales | 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 Autres | 482557.9 | 23602.692900000002 | 643632.6648783665 | 457630 | 3143693.12328 | 2310386.924568564 | 7061503.305626931 | 68623.5576 | 68623.5576 | 537926 | 537926 | 7668052.863226931 482557.9 | 23602.692900000002 | 643632.6648783665 | 457630 | 3143693.12328 | 2310386.924568564 | 7061503.305626931 | 68623.5576 | 68623.5576 | 537926 | 537926 | 7668052.863226931 Obligations à terme Banques locales | 1959456 | 0 | 0 | 0 | 0 | 0 | 1959456 | 48986.4 | 48986.4 | 0 | 0 | 2008442.4 Banque à l'étranger | 0 | 0 | 0 | 0 | 196738.28617 | 0 | 196738.28617 | 195945.6 | 195945.6 | 0 | 0 | 392683.88617 Autres | 2195057 | 4042.84759 | 31736.154712416002 | 0 | 397724.15385 | 852201.276738864 | 3480761.43289128 | 116587.632 | 116587.632 | 50975 | 50975 | 3648324.06489128 4154513 | 4042.84759 | 31736.154712416002 | 0 | 594462.44002 | 852201.276738864 | 5636955.71906128 | 361519.632 | 361519.632 | 50975 | 50975 | 6049450.35106128 Autres passifs | 0.00098 | 255.22012 | 279593.49025713606 | 788196 | 1803528.74567 | 1546951.7457556322 | 4418525.202782769 | 156997.01106 | 156997.01106 | 0 | 0 | 4575522.213842769 36096334.56173563 | 2811912.44821 | 17005480.59243248 | 20022578 | 71259979.89928928 | 92552913.177284 | 239749198.67895144 | 5191158.361830001 | 5191158.361830001 | 4310603 | 4310603 | 249250960.0407814 AVOIR DES ACTIONNAIRES Capital versé | 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 Réserves (Prov. Pour pertes sur prêts) Surplus d'apport | 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 36096334.56173563 | 2811912.44821 | 17005480.59243248 | 20022578 | 71259979.89928928 | 92552913.177284 | 239749198.67895144 | 5191158.361830001 | 5191158.361830001 | 4310603 | 4310603 | 249250960.0407814 Actif devises en % actif total | 0.4090216980325502 | 0.5555835050035827 | 0.5617197393148604 | 0.6720673815069231 | 0.6238491347485795 | 0.6357595250453536 | 0.5802910076639828 | 0.5752273454458646 | 0.5752273454458646 | 0.7016067837966802 | 0.7016067837966802 | 0.5819257701650744 Dépôts devises en % dépôts totaux | 0.46552925620112995 | 0.6473240045087201 | 0.6906879575365212 | 0.7695786307688626 | 0.7072347523988322 | 0.7010968888769963 | 0.6591968965927071 | 0.8119884359938152 | 0.8119884359938152 | 0.7787298907033506 | 0.7787298907033506 | 0.6633257969682894 93.0256 | 388025.8182880372 | 30227.297090370823 | 182804.30970004472 | 215237.2895203041 | 766025.4800752619 | 994918.7447034365 | 2577238.939377456 | 55803.54614030977 | 55803.54614030977 | 46337.81453707367 | 46337.81453707367 | 2679380.300054839 [bilsysbanmars 20gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 31 MARS 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1687599.6 | 208597.739 | 615872.43558 | 707565 | 2743419.77523 | 2561067.3564 | 8524121.90621 | 21050.2444 | 21050.2444 | 31635 | 31635 | 8576807.15061 Avoirs à la BRH | 16629970.28 | 480815.98277 | 2729013.66916 | 2430081 | 13122975.86001 | 17306926.35936 | 52699783.1513 | 335749.18613 | 335749.18613 | 1318688 | 1318688 | 54354220.33743 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 49301.747090000004 | 8549 | 11223.04 | 0 | 69073.78709 | 1901.2978300000002 | 1901.2978300000002 | 0 | 0 | 70975.08492 Autres liquidités | 205010.25 | 9532.34634 | 6824.61409 | 70352 | 3187.8941600000003 | 502065.95358 | 796973.05817 | 7548.91446 | 7548.91446 | 13565 | 13565 | 818086.97263 18522580.13 | 698946.06811 | 3401012.4659200003 | 3216547 | 15880806.5694 | 20370059.66934 | 62089951.90277 | 366249.64282 | 366249.64282 | 1363888 | 1363888 | 63820089.54559 Bons B.R.H. | 6350000 | 754000 | 599700 | 200000 | 2400000 | 3400000 | 13703700 | 0 | 0 | 0 | 0 | 13703700 Bons du Trésor / M.E.F. | 9200000 | 401000 | 0 | 0 | 0 | 1700000 | 11301000 | 0 | 0 | 0 | 0 | 11301000 Autres Placements | 570272 | 0 | 392961.53034 | 1017571 | 4172812.1733100004 | 11034980.326170001 | 17188597.029820003 | 101632.07507 | 101632.07507 | 0 | 0 | 17290229.104890004 Portefeuille net | 13331048.8 | -11665.072520000045 | 7347620.670565157 | 4173336 | 14879096.74706 | 10840596.47964 | 50560033.62474515 | 2546041.90191 | 2546041.90191 | 162667 | 162667 | 53268742.52665515 Immobilisations | 2280409.66876 | 348079.55078 | 1015424.75721 | 789170 | 3082839.2359100003 | 2783113.95739 | 10299037.170049999 | 628202.35713 | 628202.35713 | 291474 | 291474 | 11218713.52718 Autres actifs | 1892790.18 | 53123.631330000004 | 293110.93328948796 | 386821 | 2538142.48947 | 2917704.64208 | 8081692.876169488 | 190416.68081 | 190416.68081 | 14857 | 14857 | 8286966.556979488 52147100.77875999 | 2243484.1777 | 13049830.357324645 | 9783445 | 42953697.21514999 | 53046455.07462 | 173224012.60355467 | 3832542.6577399997 | 3832542.6577399997 | 1832886 | 1832886 | 178889441.26129463 PASSIF Dépôts À vue | 17684361 | 604715.71928 | 3256797.80096 | 2311712 | 12575856.91772 | 16148195.42561 | 52581638.86357 | 338966.30892 | 338966.30892 | 1053233 | 1053233 | 53973838.17249 Épargne | 12914839 | 243921.35206 | 1684487.95613 | 1635228 | 9889832.298740003 | 14948765.79562 | 41317074.402550004 | 191256.9403 | 191256.9403 | 4 | 4 | 41508335.34285001 À terme | 5518951.16699 | 668152.18187 | 2246646.99664 | 1675052 | 4738903.056709998 | 6353864.71541 | 21201570.11762 | 535812.44393 | 535812.44393 | 4256 | 4256 | 21741638.56155 36118151.16699 | 1516789.25321 | 7187932.753730001 | 5621992 | 27204592.27317 | 37450825.93664 | 115100283.38374001 | 1066035.69315 | 1066035.69315 | 1057493 | 1057493 | 117223812.07688999 Obligations à vue Banques locales | 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 Autres | 1636887 | 119858.78861999999 | 670230.55519 | 377146 | 2227370.52844 | 1696105.54553 | 6727598.41778 | 108964.52185000002 | 108964.52185000002 | 310442 | 310442 | 7147004.93963 1636887 | 119858.78861999999 | 670230.55519 | 377146 | 2227370.52844 | 1696105.54553 | 6727598.41778 | 108964.52185000002 | 108964.52185000002 | 310442 | 310442 | 7147004.93963 Obligations à terme Banques locales | 2716474 | 0 | 2134106.92728 | 602183 | 5036485.515559999 | 1632670.0277200001 | 12121919.47056 | 1740739.82193 | 1740739.82193 | 0 | 0 | 13862659.29249 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2261262 | 612021.04961 | 71199.7129552656 | 79943 | 284719.58139 | 308911.59941 | 3618056.9433652656 | 132795.59751 | 132795.59751 | 33655 | 33655 | 3784507.5408752654 4977736 | 612021.04961 | 2205306.6402352657 | 682126 | 5321205.096949999 | 1941581.6271300002 | 15739976.413925264 | 1873535.41944 | 1873535.41944 | 33655 | 33655 | 17647166.833365265 Autres passifs | 1097193 | 21899.4114 | 44457.77401 | 73136 | 1325534.77991 | 101945.07121 | 2664166.0365300006 | 74801.34607 | 74801.34607 | 0 | 0 | 2738967.3826000006 43829967.16699 | 2270568.50284 | 10107927.723165268 | 6754400 | 36078702.67847 | 41190458.18051 | 140232024.25197527 | 3123336.98051 | 3123336.98051 | 1401590 | 1401590 | 144756951.23248526 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 727340.26157 | 810000 | 3000000 | 6403480.04 | 14105820.30157 | 300000 | 300000 | 103837 | 103837 | 14509657.30157 Réserves | 959252 | 78594.77100000001 | 208891.59874 | 391254 | 1001660.3455399999 | 1360455.52707 | 4000108.24235 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 4321001.53168 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000 Surplus d'apport | 0 | 14325 | 1164266.7538800002 | 1384 | -8e-05 | 0 | 1179975.7538000003 | 0 | 0 | 0 | 0 | 1179975.7538000003 BNR | 4193051 | -292243.86253 | 561174.286358953 | 1854089 | 2852395.1060999963 | 4128498.8750299998 | 13296964.404958948 | 146473.24791 | 146473.24791 | 267201 | 267201 | 13710638.652868949 8312303 | -34324.091529999976 | 2661672.900548953 | 3056727 | 6854055.451559996 | 11892434.4421 | 32742868.70267895 | 708078.53724 | 708078.53724 | 430326 | 430326 | 33881273.23991895 52142270.16699 | 2236244.4113100003 | 12769600.623714222 | 9811127 | 42932758.13003 | 53082892.62261 | 172974892.95465422 | 3831415.51775 | 3831415.51775 | 1831916 | 1831916 | 178638224.4724042 [bilsysbadec. 19 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8343138 | 169554.05348 | 829114.3198427279 | 1024631 | 2714731.04484 | 2132727.727248616 | 15213896.145411344 | 33701.15597 | 33701.15597 | 60618 | 60618 | 15308215.301381344 Avoirs à la BRH | 22167336 | 1931558.9732599999 | 10204980.17610909 | 10293766 | 39856287.88824 | 52683359.19809669 | 137137288.2357058 | 929740.72968 | 929740.72968 | 4025076 | 4025076 | 142092104.9653858 Avoirs à l'étranger | 1658449 | 2171.276 | 1675414.86728385 | 3363126 | 3920621.2111099996 | 7998791.138207278 | 18618573.492601126 | 0 | 0 | 361857 | 361857 | 18980430.492601126 Avoirs dans les banques locales | 0 | 0 | 33844.697725668004 | 5826 | 11019 | 0 | 50689.697725668004 | 45285.498470000006 | 45285.498470000006 | 0 | 0 | 95975.19619566802 Autres liquidités | 365032.4 | 29196.75036 | 8831.204434038 | 65473 | 251409.79791 | 597103.3215322581 | 1317046.474236296 | 16602.60377 | 16602.60377 | 82443 | 82443 | 1416092.078006296 32533955.4 | 2132481.0530999997 | 12752185.265395373 | 14752822 | 46754068.942099996 | 63411981.385084845 | 172337494.04568022 | 1025329.98789 | 1025329.98789 | 4529994 | 4529994 | 177892818.03357023 Bons B.R.H. | 4850000 | 704000 | 400000 | 200000 | 400000 | 0 | 6554000 | 0 | 0 | 0 | 0 | 6554000 Bons du Trésor / M.E.F. | 7625263 | 516070.17525 | 0 | 0 | 0 | 112500.00003 | 8253833.17528 | 0 | 0 | 0 | 0 | 8253833.17528 Autres Placements | 12357213.5 | 0 | 324167.721583674 | 2304832 | 18566119.05058 | 28861067.808358528 | 62413400.0805222 | 799846.90839 | 799846.90839 | 0 | 0 | 63213246.9889122 Portefeuille net | 21228394.5 | 693888.50057 | 14435059.595338501 | 11053037 | 31085149.57939 | 35548142.796409994 | 114043671.97170849 | 4647070.38344 | 4647070.38344 | 637305 | 637305 | 119328047.3551485 Immobilisations | 2217737.82076 | 350828.33882999996 | 1097630.35347 | 797417 | 2946847.726970001 | 2660569.3925000005 | 10071030.632530002 | 585703.51107 | 585703.51107 | 280979 | 280979 | 10937713.143600002 Autres actifs | 2337235.4 | 613658.86876 | 297789.200606162 | 773584 | 4684650.343819998 | 3075508.623717272 | 11782426.436903434 | 981391.7885799999 | 981391.7885799999 | 44539 | 44539 | 12808357.225483434 83149799.62076001 | 5010926.936509999 | 29306832.13639371 | 29881692 | 104436835.64286 | 133669770.00610064 | 385455856.3426243 | 8039342.5793699995 | 8039342.5793699995 | 5492817 | 5492817 | 398988015.9219943 PASSIF Dépôts À vue | 31000481.311380286 | 2112346.43763 | 8839585.076218568 | 8919446 | 34718381.79021001 | 45342489.50369419 | 130932730.11913306 | 1932650.04872 | 1932650.04872 | 3367385 | 3367385 | 136232765.16785306 Épargne | 21436706.75 | 498484.99631 | 4340003.678587761 | 5570126 | 29068346.352240004 | 44990855.020286836 | 105904522.7974246 | 722495.42304 | 722495.42304 | 524800 | 524800 | 107151818.2204646 À terme | 10918091.8 | 1691215.02097 | 9279863.87379632 | 9011871 | 20673742.332571365 | 23628131.485490173 | 75202915.51282786 | 2445874.8986299997 | 2445874.8986299997 | 14153 | 14153 | 77662943.41145785 63355279.86138028 | 4302046.45491 | 22459452.628602646 | 23501443 | 84460470.47502138 | 113961476.00947121 | 312040168.42938554 | 5101020.37039 | 5101020.37039 | 3906338 | 3906338 | 321047526.7997755 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2226567.5 | 171202.38641 | 1181723.748625412 | 1245593 | 4299499.38372 | 3274161.771507476 | 12398747.790262887 | 167487.84716 | 167487.84716 | 1034240 | 1034240 | 13600475.637422888 2226567.5 | 171202.38641 | 1181723.748625412 | 1645593 | 4299499.38372 | 3274161.771507476 | 12798747.790262887 | 167487.84716 | 167487.84716 | 1034240 | 1034240 | 14000475.637422888 Obligations à terme Banques locales | 4370634 | 12499.99981 | 2182464.2289899997 | 614018 | 4989281.53767 | 1667560.38057 | 13836458.14704 | 1726579.7366900002 | 1726579.7366900002 | 0 | 0 | 15563037.88373 Banque à l'étranger | 0 | 0 | 0 | 0 | 592.90439 | 0 | 592.90439 | 0 | 0 | 0 | 0 | 592.90439 Autres | 4160766 | 529769.75872 | 207498.667544556 | 177927 | 908379.81311 | 1940296.7348619478 | 7924637.974236503 | 122730.36672 | 122730.36672 | 118875 | 118875 | 8166243.3409565035 8531400 | 542269.75853 | 2389962.8965345556 | 791945 | 5898254.255170001 | 3607857.1154319476 | 21761689.025666505 | 1849310.1034100002 | 1849310.1034100002 | 118875 | 118875 | 23729874.129076503 Autres passifs | 1190439.2 | 27621.40575 | 297304.929898544 | 821065 | 1911822.68108 | 1583729.473737282 | 5831982.690465826 | 175006.74182 | 175006.74182 | 0 | 0 | 6006989.432285826 75303686.56138028 | 5043140.0056 | 26328444.20366116 | 26760046 | 96570046.79499137 | 122427224.37014791 | 352432587.93578076 | 7292825.06278 | 7292825.06278 | 5059453 | 5059453 | 364784865.9985608 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728457.76157 | 810000 | 1500000 | 6404700 | 12608157.76157 | 300000 | 300000 | 103837 | 103837 | 13011994.76157 Réserves | 959252 | 78594.77100000001 | 350389.25453 | 352745 | 2630258.98559 | 1398588.42176 | 5769828.43288 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 6090721.72221 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000 Surplus d'apport | 0 | 14325 | 1169722.8492 | 1384 | 376690.93492 | 0 | 1562122.78412 | 0 | 0 | 0 | 0 | 1562122.78412 BNR | 3726861 | -290132.84009 | 729818.06774 | 1957517 | 3359838.927359999 | 3439257.21508 | 12923159.37009 | 184912.22712 | 184912.22712 | 270239 | 270239 | 13378310.597210001 7846113 | -32213.069090000005 | 2978387.9330399996 | 3121646 | 7866788.84787 | 11242545.63684 | 33023268.34866 | 746517.51645 | 746517.51645 | 433364 | 433364 | 34203149.86511 83149799.56138028 | 5010926.936509999 | 29306832.13670116 | 29881692 | 104436835.64286137 | 133669770.00698791 | 385455856.28444076 | 8039342.57923 | 8039342.57923 | 5492817 | 5492817 | 398988015.86367065 Hors-bilan Effets à l'encaissement | 1130009.911985724 | 0 | 0 | 0 | 17408.62483 | 7459.049455486001 | 1154877.58627121 | 0 | 0 | 0 | 0 | 1154877.58627121 Crédit documentaire | 172052 | 0 | 0 | 0 | 1741818.1021299998 | 1317411.573499098 | 3231281.675629098 | 0 | 0 | 0 | 0 | 3231281.675629098 Autres | 7625330.9 | 240211.306609718 | 1780494.321030456 | 355723 | 7247480.056159999 | 1585596.484271218 | 18834836.06807139 | 661678.79359 | 661678.79359 | 1660053.0692000003 | 1660053.0692000003 | 21156567.930861395 Portefeuille brut | 22412341.5 | 1343693.29287 | 14674191.220712345 | 11141578 | 32412227.28012 | 36108651.650249995 | 118092682.94395235 | 4831648.04036 | 4831648.04036 | 637305 | 637305 | 123561635.98431236 Provisions pour créances douteuses | 1183947 | 649804.7923 | 239131.625373844 | 88541 | 1327077.70073 | 560508.85384 | 4049010.9722438436 | 184577.65691999998 | 184577.65691999998 | 0 | 0 | 4233588.629163844 Portefeuille de crédit improductif | 5550185 | 1058370.002955788 | 159290.01422517598 | 71140 | 693133 | 298754.75405999995 | 7830872.771240964 | 683324.74497 | 683324.74497 | 0 | 0 | 8514197.516210964 Dépôts US convertis | 28840251.072280288 | 2657168.60872 | 15723987.843592647 | 18487266 | 61804803.15078137 | 82365052.3130812 | 209878528.9884555 | 4108356.97911 | 4108356.97911 | 3168913 | 3168913 | 217155798.9675655 Immobilisation /A | 0.28265433097382103 | -10.890869722776854 | 0.3685316950467442 | 0.2554476068074343 | 0.374593469324893 | 0.2366518650172738 | 0.30496771325599753 | 0.7845810689818276 | 0.7845810689818276 | 0.6483671924756094 | 0.6483671924756094 | 0.3197867210106681 Liquidité en % de l'actif | 0.5413027885248511 | 0.6690481164119663 | 0.44877539831617524 | 0.500400780518051 | 0.45150802063126055 | 0.47523446312667117 | 0.48551688641256585 | 0.1275390341644515 | 0.1275390341644515 | 0.8247123470525233 | 0.8247123470525233 | 0.48297353183290825 Liquidité en % des dépôts | 0.7104256898316764 | 0.7792921958161737 | 0.5855968746382426 | 0.6362512293394069 | 0.5582974932166107 | 0.557420661872047 | 0.5997475522556356 | 0.20100488009060982 | 0.20100488009060982 | 1.159652339352099 | 1.159652339352099 | 0.6002246867611908 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 63411981.385084845 | BNC | 4850000 | UNIBK | 35548142.796409994 | UNIBK | 11242545.63684 SOGEBK | 46754068.942099996 | BPH | 704000 | SOGEBK | 31085149.57939 | SOGEBK | 7866788.84787 BNC | 32533955.4 | BUH | 400000 | BNC | 21228394.5 | BNC | 7846113 CAPITALBK | 14752822 | SOGEBK | 400000 | BUH | 14435059.595338501 | CAPITALBK | 3121646 BUH | 12752185.265395373 | CAPITALBK | 200000 | CAPITALBK | 11053037 | BUH | 2978387.9330399996 CBNA | 4529994 | UNIBK | 0 | SOGEBL | 4647070.38344 | SOGEBL | 746517.51645 BPH | 2132481.0530999997 | CBNA | 0 | BPH | 693888.50057 | CBNA | 433364 SOGEBL | 1025329.98789 | SOGEBL | 0 | CBNA | 637305 | BPH | -32213.069090000005 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbasept. 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 11647368 | 231381.95525 | 1590411.1559866401 | 906639 | 4133868.5198899996 | 2346903.82135562 | 20856572.45248226 | 33777.61969 | 33777.61969 | 46578 | 46578 | 20936928.07217226 Avoirs à la BRH | 17585337 | 1495337.37768 | 9070036.153152673 | 10701200 | 38966197.58544999 | 52050817.13178205 | 129868925.24806473 | 989615.4772099999 | 989615.4772099999 | 4167116 | 4167116 | 135025656.72527474 Avoirs à l'étranger | 2328011.06 | 353802.10764 | 986479.0003250521 | 3391357 | 4759170.6993 | 7380096.758453228 | 19198916.62571828 | 0 | 0 | 1033589 | 1033589 | 20232505.62571828 Avoirs dans les banques locales | 0 | 0 | 28031.539728848 | 2278 | 5592 | 0 | 35901.539728848 | 102226.08649999999 | 102226.08649999999 | 0 | 0 | 138127.626228848 Autres liquidités | 145328.3 | 6167.925020000001 | 4424.70291733 | 27937 | 371122.39983999997 | 395833.213658144 | 950813.541435474 | 5765.78631 | 5765.78631 | 78180 | 78180 | 1034759.327745474 31706044.36 | 2086689.36559 | 11679382.552110543 | 15029411 | 48235951.20447999 | 62173650.92524904 | 170911129.4074296 | 1131384.96971 | 1131384.96971 | 5325463 | 5325463 | 177367977.37713957 Bons B.R.H. | 1000000 | 540000 | 300000 | 0 | 0 | 0 | 1840000 | 0 | 0 | 0 | 0 | 1840000 Bons du Trésor / M.E.F. | 7900000 | 410833.33315 | 0 | 0 | 0 | 25000.00004 | 8335833.333190001 | 0 | 0 | 0 | 0 | 8335833.333190001 Autres Placements | 14929633.900000002 | 35120.15096 | 347309.5696432779 | 2172148 | 19037189.698299997 | 30216934.90483751 | 66738336.22374079 | 962311.2083999999 | 962311.2083999999 | 0 | 0 | 67700647.43214078 Portefeuille net | 21240071.6 | 735168.3774700001 | 15103214.604820965 | 11531934 | 32111842.915229995 | 38736782.90442001 | 119459014.40194097 | 4681835.28272 | 4681835.28272 | 610585 | 610585 | 124751434.68466097 Immobilisations | 2162320.96383 | 354057.22569 | 1080246.5478400001 | 804175 | 2927240.25415 | 2625048.9294 | 9953088.92091 | 587881.4545400001 | 587881.4545400001 | 285583 | 285583 | 10826553.37545 Autres actifs | 2553854.05 | 634135.90074 | 291268.22477760597 | 490202 | 2989154.935 | 3134352.5027246904 | 10092967.613242297 | 999816.4257599998 | 999816.4257599998 | 29845 | 29845 | 11122629.039002296 81491924.87383 | 4796004.353600001 | 28801421.49919239 | 30027870 | 105301379.00716 | 136911770.16667125 | 387330369.9004536 | 8363229.34113 | 8363229.34113 | 6251476 | 6251476 | 401945075.24158365 PASSIF Dépôts À vue | 30965606.5 | 1874150.12732 | 8787925.67711029 | 9656431 | 36008544.29994681 | 48821346.50753637 | 136114004.11191344 | 2063495.00366 | 2063495.00366 | 4022761 | 4022761 | 142200260.11557344 Épargne | 20468012 | 483361.85274999996 | 4212126.49339006 | 5580434 | 28544183.309672147 | 43263547.106108956 | 102551664.76192117 | 772508.68417 | 772508.68417 | 524317 | 524317 | 103848490.44609116 À terme | 10625179 | 1705567.75985 | 9161785.64954533 | 8876056 | 21724314.25017037 | 23900210.241102997 | 75993112.9006687 | 2442085.99376 | 2442085.99376 | 14286 | 14286 | 78449484.8944287 62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978933 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2578834.38 | 190865.36939 | 1081190.57453524 | 1040575 | 4715026.590960002 | 3180921.766413789 | 12787413.68129903 | 160795.95508 | 160795.95508 | 1151233 | 1151233 | 14099442.636379031 2578834.38 | 190865.36939 | 1081190.57453524 | 1440575 | 4715026.590960002 | 3180921.766413789 | 13187413.68129903 | 160795.95508 | 160795.95508 | 1151233 | 1151233 | 14499442.636379031 Obligations à terme Banques locales | 4373103 | 24999.99982 | 2246940.63127 | 609610 | 4003233.8392 | 2690584.06942 | 13948471.53971 | 1945749.74799 | 1945749.74799 | 0 | 0 | 15894221.287700001 Banque à l'étranger | 0 | 0 | 0 | 0 | 659.73434 | 0 | 659.73434 | 0 | 0 | 0 | 0 | 659.73434 Autres | 4031664.87 | 533506.28177 | 218084.66752436 | 180533 | 742923.17369 | 979726.8818084379 | 6686438.8747927975 | 102014.82672 | 102014.82672 | 100654 | 100654 | 6889107.701512798 8404767.870000001 | 558506.28159 | 2465025.29879436 | 790143 | 4746816.74723 | 3670310.951228438 | 20635570.148842797 | 2047764.57471 | 2047764.57471 | 100654 | 100654 | 22783988.7235528 Autres passifs | 1093076.22 | 26859.91163 | 250201.773827278 | 824832 | 2041627.0657100002 | 1975849.3866187278 | 6212446.357786005 | 167938.88543 | 167938.88543 | 0 | 0 | 6380385.243216005 74135475.97 | 4839311.30253 | 25958255.467202555 | 27168471 | 97780512.26368931 | 124812185.95900927 | 354694211.96243113 | 7654589.09681 | 7654589.09681 | 5813251 | 5813251 | 368162052.0592411 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728502.76157 | 810000 | 1500000 | 6404700 | 12608202.76157 | 250000 | 250000 | 103837 | 103837 | 12962039.76157 Réserves | 959252 | 78594.77100000001 | 360099.69334 | 358225 | 2480397.4225700004 | 1395127.22788 | 5631696.114790001 | 305532.74332999997 | 305532.74332999997 | 59288 | 59288 | 5996516.858120001 Réserves (Prov. Pour pertes sur prêts) | 159999.9 | 0 | 0 | 0 | 0 | 0 | 159999.9 | 0 | 0 | 0 | 0 | 159999.9 Surplus d'apport | 0 | 14325 | 1170091.23698 | 1384 | 376690.93492 | 0 | 1562491.1719 | 0 | 0 | 0 | 0 | 1562491.1719 BNR | 3237197 | -301226.71992999996 | 584472.340098 | 1689790 | 3163778.386000003 | 4299756.9795200005 | 12673767.985688005 | 153107.5009 | 153107.5009 | 275100 | 275100 | 13101975.486588005 7356448.9 | -43306.948929999955 | 2843166.031988 | 2859399 | 7520866.743490003 | 12099584.207400002 | 32636157.933948003 | 708640.24423 | 708640.24423 | 438225 | 438225 | 33783023.178178005 81491924.87 | 4796004.3536 | 28801421.499190554 | 30027870 | 105301379.00717932 | 136911770.16640928 | 387330369.8963791 | 8363229.34104 | 8363229.34104 | 6251476 | 6251476 | 401945075.2374191 Hors-bilan Effets à l'encaissement | 1146373 | 0 | 0 | 0 | 11996.07348 | 629.0437063559999 | 1158998.117186356 | 0 | 0 | 0 | 0 | 1158998.117186356 Crédit documentaire | 355824 | 0 | 0 | 0 | 1838622.5177399998 | 1317310.419578244 | 3511756.937318244 | 0 | 0 | 0 | 0 | 3511756.937318244 Autres | 7735704.5 | 185921.176250502 | 1541318.249651364 | 372570 | 6761928.37086 | 1528207.0292863299 | 18125649.326048195 | 573018.68422 | 573018.68422 | 1660053.0692000003 | 1660053.0692000003 | 20358721.079468198 Portefeuille brut | 22279445 | 1379034.11777 | 15312382.763147477 | 11608017 | 33371415.672019996 | 39251560.03829001 | 123201854.59122749 | 4855564.40193 | 4855564.40193 | 610585 | 610585 | 128668003.99315749 Provisions pour créances douteuses | 1039373.4 | 643865.7403 | 209168.15832651197 | 76083 | 1259572.75679 | 514777.13387 | 3742840.1892865123 | 173729.11921 | 173729.11921 | 0 | 0 | 3916569.3084965125 Portefeuille de crédit improductif | 5372195.4 | 1097885.9920405059 | 295927.794713266 | 89516 | 584779 | 295626.40215999994 | 7735930.588913772 | 673709.5898300001 | 673709.5898300001 | 0 | 0 | 8409640.178743772 Dépôts US convertis | 31459263.660755634 | 2784011.6876 | 16050518.282584561 | 18776752 | 65718295.590319276 | 87843373.23022094 | 222632214.45148042 | 4604018.16117 | 4604018.16117 | 3721702 | 3721702 | 230957934.61265042 Immobilisation /A | 0.2939354290668694 | -8.175529203460798 | 0.37994494014289754 | 0.28123916948981237 | 0.3892158116860392 | 0.21695364769597145 | 0.3049712206030489 | 0.8295908386896443 | 0.8295908386896443 | 0.6516812139882481 | 0.6516812139882481 | 0.3204731950230956 Liquidité en % de l'actif | 0.49828304366191334 | 0.6333444414953375 | 0.4159302537357905 | 0.5005153878713342 | 0.45807520907394933 | 0.4542973248360659 | 0.4675258559951292 | 0.13528087339969236 | 0.13528087339969236 | 0.8518729016955355 | 0.8518729016955355 | 0.46659064201149597 Liquidité en % des dépôts | 0.6543156811892786 | 0.7475912099130516 | 0.5405410259466402 | 0.6232928395527029 | 0.5590821169189977 | 0.5362641309799775 | 0.5755026499479476 | 0.2143550106123198 | 0.2143550106123198 | 1.1675154624800828 | 1.1675154624800828 | 0.5779501711210551 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 62173650.92524904 | BNC | 1000000 | UNIBK | 38736782.90442001 | UNIBK | 12099584.207400002 SOGEBK | 48235951.20447999 | BPH | 540000 | SOGEBK | 32111842.915229995 | SOGEBK | 7520866.743490003 BNC | 31706044.36 | BUH | 300000 | BNC | 21240071.6 | BNC | 7356448.9 CAPITALBK | 15029411 | SOGEBK | 0 | BUH | 15103214.604820965 | CAPITALBK | 2859399 BUH | 11679382.552110543 | UNIBK | 0 | CAPITALBK | 11531934 | BUH | 2843166.031988 CBNA | 5325463 | CAPITALBK | 0 | SOGEBL | 4681835.28272 | SOGEBL | 708640.24423 BPH | 2086689.36559 | CBNA | 0 | BPH | 735168.3774700001 | CBNA | 438225 SOGEBL | 1131384.96971 | SOGEBL | 0 | CBNA | 610585 | BPH | -43306.948929999955 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbajuin 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 11982283 | 315614.78811 | 1113361.989213056 | 993076 | 3495711.0859899996 | 2749285.8549670875 | 20649332.718280144 | 42897.90518 | 42897.90518 | 42580 | 42580 | 20734810.623460144 Avoirs à la BRH | 17747695 | 1635193.81648 | 9439364.16129016 | 10205637 | 37420113.96376 | 49879392.84955875 | 126327396.79108891 | 1729215.8649 | 1729215.8649 | 3909172 | 3909172 | 131965784.6559889 Avoirs à l'étranger | 1202134 | 205346.76658 | 458562.38617860794 | 3218982 | 3407569.6204 | 6343710.650730044 | 14836305.423888652 | 0 | 0 | 809139 | 809139 | 15645444.423888652 Avoirs dans les banques locales | 0 | 0 | 21109.625523824 | 1758 | 6325 | 0 | 29192.625523824 | 113162.24510999999 | 113162.24510999999 | 0 | 0 | 142354.870633824 Autres liquidités | 278630 | 110557.61192 | 55611.311322464 | 289557 | 160621.41852 | 1170631.7272742563 | 2065609.0690367203 | 27190.90036 | 27190.90036 | 251208 | 251208 | 2344007.9693967206 31210742 | 2266712.98309 | 11088009.47352811 | 14709010 | 44490341.08867 | 60143021.08253013 | 163907836.62781826 | 1912466.91555 | 1912466.91555 | 5012099 | 5012099 | 170832402.54336822 Bons B.R.H. | 2700000 | 426000 | 0 | 0 | 0 | 0 | 3126000 | 0 | 0 | 0 | 0 | 3126000 Bons du Trésor / M.E.F. | 6100000 | 292414.23022 | 0 | 0 | 0 | 71682.89429 | 6464097.12451 | 0 | 0 | 0 | 0 | 6464097.12451 Autres Placements | 14866470 | 35010.78178 | 275445.80895409605 | 1840481 | 19691555.809370004 | 29903002.573021054 | 66611965.97312515 | 926427.06897 | 926427.06897 | 0 | 0 | 67538393.04209515 Portefeuille net | 19740447 | 779968.12146 | 14688171.299303299 | 11118727 | 32194562.729650002 | 38529961.175417 | 117051837.32583031 | 4683890.061249999 | 4683890.061249999 | 679685 | 679685 | 122415412.38708031 Immobilisations | 2169508.45983 | 353895.38969 | 932043.11814 | 777888 | 2869940.6394499997 | 2539286.7570399996 | 9642562.364149999 | 554550.66622 | 554550.66622 | 288888 | 288888 | 10486001.030369999 Autres actifs | 2533069.5 | 303682.72689 | 362200.27670878824 | 718008 | 2929500.7683900003 | 3260633.6651251838 | 10107094.937113972 | 180037.43271999998 | 180037.43271999998 | 21460 | 21460 | 10308592.369833972 79320236.95983 | 4457684.2331300005 | 27345869.976634294 | 29164114 | 102175901.03553 | 134447588.1474234 | 376911394.3525477 | 8257372.144709999 | 8257372.144709999 | 6002132 | 6002132 | 391170898.4972576 PASSIF Dépôts À vue | 30754337 | 1893008.27036 | 7073515.86379707 | 9262760 | 33767611.934263065 | 44624601.117652364 | 127375834.1860725 | 2073396.5533099999 | 2073396.5533099999 | 3737546 | 3737546 | 133186776.7393825 Épargne | 20557113 | 453243.14145 | 4063563.12600971 | 5530043 | 28702730.978004172 | 43511240.18425867 | 102817933.42972255 | 768532.71214 | 768532.71214 | 557559 | 557559 | 104144025.14186254 À terme | 10274182 | 1722546.59852 | 9213858.421451889 | 8803045 | 22132008.02482242 | 24578501.850660704 | 76724141.895455 | 2290467.42385 | 2290467.42385 | 49293 | 49293 | 79063902.319305 61585632 | 4068798.01033 | 20350937.411258668 | 23595848 | 84602350.93708965 | 112714343.15257174 | 306917909.51125 | 5132396.6893 | 5132396.6893 | 4344398 | 4344398 | 316394704.2005501 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2964770.5 | 149192.0974 | 1414164.4534648322 | 967747 | 3782334.43556 | 3284028.938525224 | 12562237.424950058 | 140273.03512000002 | 140273.03512000002 | 922190 | 922190 | 13624700.460070057 2964770.5 | 149192.0974 | 1414164.4534648322 | 1367747 | 3782334.43556 | 3284028.938525224 | 12962237.424950058 | 140273.03512000002 | 140273.03512000002 | 922190 | 922190 | 14024700.460070057 Obligations à terme Banques locales | 2530859 | 37499.99983 | 2279178.83241 | 637249 | 3159665.53771 | 2951006.3766099997 | 11595458.74656 | 2037068.24095 | 2037068.24095 | 0 | 0 | 13632526.98751 Banque à l'étranger | 0 | 0 | 0 | 0 | 334971.40664 | 0 | 334971.40664 | 0 | 0 | 0 | 0 | 334971.40664 Autres | 3935010 | 230079.26776 | 271256.548848056 | 138694 | 937864.2086100001 | 905864.650602224 | 6418768.675820281 | 98676.59745 | 98676.59745 | 297097 | 297097 | 6814542.273270281 6465869 | 267579.26759 | 2550435.3812580556 | 775943 | 4432501.152960001 | 3856871.027212224 | 18349198.82902028 | 2135744.8384 | 2135744.8384 | 297097 | 297097 | 20782040.667420283 Autres passifs | 1133403.5 | 16117.721629999998 | 260462.750567728 | 794723 | 1946196.19222 | 2915743.173664944 | 7066646.338082672 | 187183.27197 | 187183.27197 | 0 | 0 | 7253829.610052672 72149675 | 4501687.09695 | 24575999.996549282 | 26534261 | 94763382.71782966 | 122770986.29197413 | 345295992.1033031 | 7595597.83479 | 7595597.83479 | 5563685 | 5563685 | 358455274.93809307 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729502.76157 | 810000 | 1500000 | 6405950 | 12610452.76157 | 250000 | 250000 | 103837 | 103837 | 12964289.76157 Réserves | 929252 | 78594.77100000001 | 345931.59179 | 346086 | 2633808.02281 | 1289213.7989700001 | 5622886.18457 | 305797.94869 | 305797.94869 | 59288 | 59288 | 5987972.13326 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000 Surplus d'apport | 0 | 14325 | 1179547.55698 | 1384 | 376690.93492 | 0 | 1571947.4919000003 | 0 | 0 | 0 | 0 | 1571947.4919000003 BNR | 3081310 | -301922.63482 | 514888.069745 | 1472383 | 2902019.35998 | 3981438.0579000004 | 11650115.852805 | 105976.36108999998 | 105976.36108999998 | 275322 | 275322 | 12031414.213895 7170562 | -44002.86381999997 | 2769869.980085 | 2629853 | 7412518.31771 | 11676601.85687 | 31615402.290845 | 661774.30978 | 661774.30978 | 438447 | 438447 | 32715623.600625 79320237 | 4457684.2331300005 | 27345869.976634283 | 29164114 | 102175901.03553966 | 134447588.14884412 | 376911394.394148 | 8257372.14457 | 8257372.14457 | 6002132 | 6002132 | 391170898.53871804 Hors-bilan Effets à l'encaissement | 1132939 | 0 | 0 | 0 | 30042.307989999998 | 2864.298906772 | 1165845.6068967718 | 0 | 0 | 0 | 0 | 1165845.6068967718 Crédit documentaire | 375940 | 0 | 0 | 0 | 1583434.9459099998 | 1436801.892076672 | 3396176.837986672 | 0 | 0 | 0 | 0 | 3396176.837986672 Autres | 8643090 | 245243.60669952 | 873943.795979488 | 362887 | 4214526.60703 | 1567525.876719824 | 15907216.886428833 | 482992.97388999996 | 482992.97388999996 | 1660053.0692 | 1660053.0692 | 18050262.929518834 Portefeuille brut | 20556136 | 1419406.15287 | 14826167.01645421 | 11168927 | 33221405.85139 | 38865192.023017 | 120057234.04373121 | 4844420.9065499995 | 4844420.9065499995 | 679685 | 679685 | 125581339.95028122 Provisions pour créances douteuses | 815689 | 639438.03141 | 137995.71715091198 | 50200 | 1026843.1217400001 | 335230.8476 | 3005396.7179009123 | 160530.8452999999 | 160530.8452999999 | 0 | 0 | 3165927.563200912 Portefeuille de crédit improductif | 5192962 | 1002610.2359563679 | 147567.001349392 | 71312 | 1989100 | 70059.03913 | 8473610.27643576 | 903999.892 | 903999.892 | 0 | 0 | 9377610.16843576 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.30255766003138945 | -8.042553574186895 | 0.33649345450915286 | 0.2957914377723774 | 0.3871748461778682 | 0.21746795755873058 | 0.30499571934728265 | 0.8379755122321908 | 0.8379755122321908 | 0.6588892158003133 | 0.6588892158003133 | 0.32051967458659947 Liquidité en % de l'actif | 0.5044203539162719 | 0.6696587414434172 | 0.4054729099129876 | 0.5043530552651111 | 0.43542890875216467 | 0.4478674910166034 | 0.46031490783227763 | 0.2316072089321059 | 0.2316072089321059 | 0.8350531111278459 | 0.8350531111278459 | 0.46123702034327874 Liquidité en % des dépôts | 0.6496765674175431 | 0.733663161880059 | 0.5448402326368482 | 0.6233728069446794 | 0.5258759431136026 | 0.5342239709041524 | 0.5652910057566018 | 0.37262648063371706 | 0.37262648063371706 | 1.1536924103178392 | 1.1536924103178392 | 0.5702450049654293 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 60143021.08253013 | BNC | 2700000 | UNIBK | 38529961.175417 | UNIBK | 11676601.85687 SOGEBK | 44490341.08867 | BPH | 426000 | SOGEBK | 32194562.729650002 | BNC | 7170562 BNC | 31210742 | BUH | 0 | BNC | 19740447 | SOGEBK | 7412518.31771 CAPITALBK | 14709010 | SOGEBK | 0 | BUH | 14688171.299303299 | BUH | 2769869.980085 BUH | 11088009.47352811 | UNIBK | 0 | CAPITALBK | 11118727 | CAPITALBK | 2629853 CBNA | 5012099 | CAPITALBK | 0 | SOGEBL | 4683890.061249999 | SOGEBL | 661774.30978 BPH | 2266712.98309 | CBNA | 0 | BPH | 779968.12146 | CBNA | 438447 SOGEBL | 1912466.91555 | SOGEBL | 0 | CBNA | 679685 | BPH | -44002.86381999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbamars 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 10219347 | 293214.81256 | 1064538.969822606 | 769587 | 3880931.9773700004 | 1929812.1157411272 | 18157431.87549373 | 60793.504 | 60793.504 | 82525 | 82525 | 18300750.379493732 Avoirs à la BRH | 18142235 | 1135517.7644500001 | 8656885.216607684 | 9147558 | 34535765.91595 | 47466999.96711744 | 119084961.86412512 | 1530229.82851 | 1530229.82851 | 3693203 | 3693203 | 124308394.69263512 Avoirs à l'étranger | 1090825 | 232343.79689 | 1097033.031506002 | 2945009 | 2735106.4589 | 6276708.831676748 | 14377026.118972749 | 0 | 0 | 1049356 | 1049356 | 15426382.118972749 Avoirs dans les banques locales | 0 | 0 | 20629.760199634 | 1473 | 9803.645629999999 | 0 | 31906.405829634 | 56237.67116 | 56237.67116 | 0 | 0 | 88144.07698963399 Autres liquidités | 416675 | 34550.39956 | 121396.47731007599 | 347994 | 215705.66144999999 | 889524.7425957681 | 2025846.280915844 | 17735.44137 | 17735.44137 | 38825 | 38825 | 2082406.722285844 29869082 | 1695626.77346 | 10960483.455446003 | 13211621 | 41377313.6593 | 56563045.65713108 | 153677172.54533708 | 1664996.4450399997 | 1664996.4450399997 | 4863909 | 4863909 | 160206077.99037707 Bons B.R.H. | 4100000 | 565000 | 200000 | 0 | 0 | 0 | 4865000 | 0 | 0 | 0 | 0 | 4865000 Bons du Trésor / M.E.F. | 8750000 | 355995.12749 | 0 | 0 | 0 | 418365.78854 | 9524360.91603 | 0 | 0 | 0 | 0 | 9524360.91603 Autres Placements | 10059588 | 31089.33607 | 283318.86777200404 | 1744887 | 17879676.08301 | 28865326.476836205 | 58863885.76368821 | 851105.37952 | 851105.37952 | 0 | 0 | 59714991.143208206 Portefeuille net | 17556756.5 | 722392.17602 | 13298521.815699294 | 10321864 | 31577300.622840002 | 35450421.88017 | 108927256.9947293 | 4495599.1914099995 | 4495599.1914099995 | 503049 | 503049 | 113925905.1861393 Immobilisations | 2132170.5222099996 | 319366.44593000005 | 891251.38105 | 785314 | 2849426.6692399997 | 2445558.427 | 9423087.44543 | 542703.82237 | 542703.82237 | 295096 | 295096 | 10260887.2678 Autres actifs | 2496428 | 271507.22206 | 365277.9635391539 | 1128326 | 5531250.350039999 | 3459026.49538748 | 13251816.031026632 | 174556.97959 | 174556.97959 | 31161 | 31161 | 13457534.010616632 74964025.02221 | 3960977.08103 | 25998853.483506456 | 27192012 | 99214967.38443 | 127201744.72506477 | 358532579.69624114 | 7728961.817929999 | 7728961.817929999 | 5693215 | 5693215 | 371954756.5141712 PASSIF Dépôts À vue | 30208280 | 1592597.74068 | 7110121.93054528 | 9139395 | 33195265.592683624 | 43251630.092411 | 124497290.3563199 | 1823062.3843899998 | 1823062.3843899998 | 3711308 | 3711308 | 130031660.7407099 Épargne | 19185109 | 421417.02674 | 3667433.95188314 | 5024319 | 26436872.480796922 | 40150733.39453196 | 94885884.85395202 | 745251.48041 | 745251.48041 | 500470 | 500470 | 96131606.33436202 À terme | 9276546 | 1580947.6429599999 | 7903569.770139838 | 7963769 | 20190589.18565865 | 24601156.218195956 | 71516577.81695445 | 2036690.8854 | 2036690.8854 | 44318 | 44318 | 73597586.70235445 58669935 | 3594962.41038 | 18681125.65256826 | 22127483 | 79822727.2591392 | 108003519.7051389 | 290899753.0272264 | 4605004.7502 | 4605004.7502 | 4256096 | 4256096 | 299760853.77742636 Obligations à vue Banques locales | 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 Autres | 2391094 | 137439.4435 | 1745932.8454975758 | 848131 | 3183620.3255 | 1683510.2548142478 | 9989727.869311824 | 176817.01948 | 176817.01948 | 894863 | 894863 | 11061407.888791824 2391094 | 137439.4435 | 1745932.8454975758 | 848131 | 3183620.3255 | 1683510.2548142478 | 9989727.869311824 | 176817.01948 | 176817.01948 | 894863 | 894863 | 11061407.888791824 Obligations à terme Banques locales | 2113040 | 49999.99984 | 2327536.13412 | 622163 | 4924646.97991 | 3023024.35248 | 13060410.46635 | 2023255.64181 | 2023255.64181 | 0 | 0 | 15083666.10816 Banque à l'étranger | 0 | 0 | 0 | 0 | 1040299.0017799999 | 0 | 1040299.0017799999 | 0 | 0 | 0 | 0 | 1040299.0017799999 Autres | 3741617 | 204039.33647 | 208158.09206621503 | 89143 | 1361673.7403200003 | 789731.33464254 | 6394362.503498754 | 88060.29406 | 88060.29406 | 105657 | 105657 | 6588079.797558755 5854657 | 254039.33631 | 2535694.226186215 | 711306 | 7326619.72201 | 3812755.6871225396 | 20495071.971628755 | 2111315.93587 | 2111315.93587 | 105657 | 105657 | 22712044.907498755 Autres passifs | 1017117 | 11781.68456 | 220194.148314388 | 1162590 | 1858295.25536 | 1750269.689859218 | 6020247.778093606 | 175475.27938000002 | 175475.27938000002 | 0 | 0 | 6195723.057473606 67932803 | 3998222.87475 | 23182946.872566435 | 24849510 | 92191262.5620092 | 115250055.33693491 | 327404800.64626056 | 7068612.98493 | 7068612.98493 | 5256616 | 5256616 | 339730029.63119054 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 733027.51157 | 810000 | 1500000 | 6405950 | 12613977.51157 | 250000 | 250000 | 103837 | 103837 | 12967814.51157 Réserves | 721981 | 78594.77100000001 | 319739.92462 | 341698 | 2466082.2736 | 1318888.34426 | 5246984.31348 | 290322.19877 | 290322.19877 | 59288 | 59288 | 5596594.51225 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1209904.93985 | 1384 | 376690.93492 | 0 | 1602304.87477 | 0 | 0 | 0 | 0 | 1602304.87477 BNR | 3115241 | -295165.56471999997 | 553234.2349 | 1189420 | 2680931.6139000007 | 4226851.039589999 | 11470512.32367 | 120026.63386999999 | 120026.63386999999 | 273474 | 273474 | 11864012.95754 7031222 | -37245.79371999996 | 2815906.61094 | 2342502 | 7023704.822420001 | 11951689.383849999 | 31127779.023490004 | 660348.83264 | 660348.83264 | 436599 | 436599 | 32224726.856129996 74964025 | 3960977.08103 | 25998853.483506434 | 27192012 | 99214967.3844292 | 127201744.7207849 | 358532579.6697505 | 7728961.81757 | 7728961.81757 | 5693215 | 5693215 | 371954756.48732054 Hors-bilan Effets à l'encaissement | 992903 | 0 | 0 | 0 | 152874.67580000003 | 2274.240087058 | 1148051.915887058 | 0 | 0 | 0 | 0 | 1148051.915887058 Crédit documentaire | 339205 | 0 | 0 | 0 | 1618930.42626 | 1183419.885489608 | 3141555.3117496083 | 0 | 0 | 0 | 0 | 3141555.3117496083 Autres | 10017152 | 254021.018081366 | 686967.210985885 | 463423 | 4832197.41481 | 1366816.714956799 | 17620577.35883405 | 477277.803385 | 477277.803385 | 1660053.0692000003 | 1660053.0692000003 | 19757908.231419053 Portefeuille brut | 18211998.5 | 1358203.95292 | 13405282.29824907 | 10367518 | 32453093.0511 | 35729905.27001 | 111526001.07227907 | 4623686.5651899995 | 4623686.5651899995 | 503049 | 503049 | 116652736.63746907 Provisions pour créances douteuses | 655242 | 635811.7769 | 106760.482549776 | 45654 | 875792.42826 | 279483.38984 | 2598744.0775497756 | 128087.37378 | 128087.37378 | 0 | 0 | 2726831.4513297756 Portefeuille de crédit improductif | 1495429 | 940960.2003641159 | 106344.466741842 | 42823 | 1807058 | 60196.73936 | 4452811.406465958 | 629156.6022300001 | 629156.6022300001 | 0 | 0 | 5081968.008695958 Dépôts US convertis | 62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978931 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933 Immobilisation /A | 0.3032432374073809 | -8.574564105973371 | 0.3165060153584015 | 0.33524581836002704 | 0.40568713254356786 | 0.20462031336796774 | 0.30272276857012637 | 0.821844145919561 | 0.821844145919561 | 0.6758971046658375 | 0.6758971046658375 | 0.3184165784743683 Liquidité en % de l'actif | 0.5698611032070835 | 0.6606001113921067 | 0.42926829302400427 | 0.4858640471326653 | 0.4170470922897609 | 0.4479609267060866 | 0.46876223523049915 | 0.21542303924667666 | 0.21542303924667666 | 0.854334326035465 | 0.854334326035465 | 0.46939966716020504 Liquidité en % des dépôts | 0.7281256064115291 | 0.7278579306962528 | 0.5974202873535982 | 0.5970684058372115 | 0.5183650707018728 | 0.5275884674984334 | 0.5777472538645886 | 0.3615623729742488 | 0.3615623729742488 | 1.1428099836093923 | 1.1428099836093923 | 0.5824490980268053 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 56563045.65713108 | BNC | 4100000 | UNIBK | 35450421.88017 | UNIBK | 11951689.383849999 SOGEBK | 41377313.6593 | BPH | 565000 | SOGEBK | 31577300.622840002 | BNC | 7031222 BNC | 29869082 | BUH | 200000 | BNC | 17556756.5 | SOGEBK | 7023704.822420001 CAPITALBK | 13211621 | SOGEBK | 0 | BUH | 13298521.815699294 | BUH | 2815906.61094 BUH | 10960483.455446003 | UNIBK | 0 | CAPITALBK | 10321864 | CAPITALBK | 2342502 CBNA | 4863909 | CAPITALBK | 0 | SOGEBL | 4495599.1914099995 | SOGEBL | 660348.83264 BPH | 1695626.77346 | CBNA | 0 | BPH | 722392.17602 | CBNA | 436599 SOGEBL | 1664996.4450399997 | SOGEBL | 0 | CBNA | 503049 | BPH | -37245.79371999996 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc.18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 9033083 | 171789.12006000002 | 936195.5229929971 | 711643 | 2934600.8126100004 | 2225294.7669494213 | 16012606.222612418 | 43873.57762 | 43873.57762 | 102454 | 102454 | 16158933.800232418 Avoirs à la BRH | 18577168 | 1036059.12276 | 6812077.946619324 | 8442509 | 32351838.14929 | 43418814.64149393 | 110638466.86016326 | 1373337.94816 | 1373337.94816 | 4980375 | 4980375 | 116992179.80832325 Avoirs à l'étranger | 1535542 | 420285.21962 | 809536.142442291 | 2748317 | 3482506.0780800004 | 5764792.633714011 | 14760979.073856303 | 0 | 0 | 1059358 | 1059358 | 15820337.073856303 Avoirs dans les banques locales | 0 | 0 | 20381.146093474003 | 2113 | 7509.365669999999 | 0 | 30003.511763474 | 114547.79957999999 | 114547.79957999999 | 0 | 0 | 144551.311343474 Autres liquidités | 629530 | 83326.0472 | 5534.282145246001 | 235475 | 174819.34513 | 1040449.4812264551 | 2169134.155701701 | 18128.01823 | 18128.01823 | 53830 | 53830 | 2241092.173931701 29775323 | 1711459.5096399998 | 8583725.040293334 | 12140057 | 38951273.750779994 | 52449351.52338382 | 143611189.82409716 | 1549887.3435899997 | 1549887.3435899997 | 6196017 | 6196017 | 151357094.16768712 Bons B.R.H. | 7550000 | 751000 | 400000 | 0 | 320000 | 0 | 9021000 | 0 | 0 | 0 | 0 | 9021000 Bons du Trésor / M.E.F. | 4525420 | 139156.02476 | 0 | 0 | 0 | 165048.68279 | 4829624.70755 | 0 | 0 | 0 | 0 | 4829624.70755 Autres Placements | 10255433 | 29050.23698 | 376585.850866094 | 1678962 | 16764742.67946 | 26590182.49204907 | 55694956.259355165 | 818296.44007 | 818296.44007 | 0 | 0 | 56513252.69942517 Portefeuille net | 16927589 | 730501.51751 | 12423672.27385414 | 10558877 | 30004764.64312 | 36315495.97061 | 106960900.40509415 | 4456461.4543200005 | 4456461.4543200005 | 509944 | 509944 | 111927305.85941415 Immobilisations | 2066845.3706900002 | 307608.41051 | 762474.3640000001 | 793098 | 2883937.75426 | 2420480.15645 | 9234444.05591 | 531664.78536 | 531664.78536 | 298281 | 298281 | 10064389.84127 Autres actifs | 2278947 | 261822.96198 | 335728.328416596 | 635637 | 3364180.3842200004 | 3861660.820223915 | 10737976.494840512 | 150853.99872000003 | 150853.99872000003 | 31791 | 31791 | 10920621.493560512 73379557.37069 | 3930598.66138 | 22882185.857430164 | 25806631 | 92288899.21184 | 121802219.64550681 | 340090091.7468469 | 7507164.022060001 | 7507164.022060001 | 7036033 | 7036033 | 354633288.7689069 PASSIF Dépôts À vue | 30616034 | 1653907.58055 | 5659380.822246235 | 8746627 | 29952248.416572273 | 43310024.071331784 | 119938221.8907003 | 1856295.49885 | 1856295.49885 | 5024173 | 5024173 | 126818690.3895503 Épargne | 18239741 | 403268.26254 | 3402021.1203855285 | 4652582 | 25379429.74964194 | 37375169.12160332 | 89452211.25417078 | 744706.2467700001 | 744706.2467700001 | 449851 | 449851 | 90646768.50094077 À terme | 8487823.39 | 1495458.1973299999 | 7402074.233615539 | 7479794 | 19271174.773094084 | 23789733.763962902 | 67926058.35800251 | 1869191.6593899997 | 1869191.6593899997 | 41728 | 41728 | 69836978.01739252 57343598.39 | 3552634.04042 | 16463476.176247302 | 20879003 | 74602852.9393083 | 104474926.956898 | 277316491.50287354 | 4470193.40501 | 4470193.40501 | 5515752 | 5515752 | 287302436.9078836 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 2275810.1933500003 | 2575810.1933500003 | 0 | 0 | 0 | 0 | 2575810.1933500003 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2233417 | 143684.65585 | 968799.44096246 | 882557 | 3259001.1612299997 | 1528920.7969596423 | 9016380.055002103 | 135087.39135 | 135087.39135 | 1009568 | 1009568 | 10161035.446352102 2233417 | 143684.65585 | 968799.44096246 | 1182557 | 3259001.1612299997 | 3804730.9903096426 | 11592190.248352103 | 135087.39135 | 135087.39135 | 1009568 | 1009568 | 12736845.639702102 Obligations à terme Banques locales | 2154220 | 62499.99985 | 2375893.43583 | 572090 | 2017389.03244 | 0 | 7182092.46812 | 1909101.16527 | 1909101.16527 | 0 | 0 | 9091193.63339 Banque à l'étranger | 0 | 0 | 0 | 0 | 2233685.36856 | 0 | 2233685.36856 | 0 | 0 | 0 | 0 | 2233685.36856 Autres | 3738178 | 200514.28162 | 246350.13919569098 | 109496 | 1084813.9620299998 | 530526.76403353 | 5909879.146879221 | 79292.39699000001 | 79292.39699000001 | 97126 | 97126 | 6086297.543869222 5892398 | 263014.28147 | 2622243.5750256907 | 681586 | 5335888.36303 | 530526.76403353 | 15325656.983559221 | 1988393.56226 | 1988393.56226 | 97126 | 97126 | 17411176.545819223 Autres passifs | 1099512 | 7804.6824400000005 | 236814.15382619202 | 782082 | 1975846.9746 | 1749540.4085097162 | 5851600.219375908 | 164346.62674 | 164346.62674 | 0 | 0 | 6015946.846115909 66568925.39 | 3967137.66018 | 20291333.346061647 | 23525228 | 85173589.4381683 | 110559725.11975089 | 310085938.9541608 | 6758020.98536 | 6758020.98536 | 6622446 | 6622446 | 323466405.93952084 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729924.2646 | 810000 | 1500000 | 6431912.5 | 12636836.7646 | 250000 | 250000 | 103837 | 103837 | 12990673.7646 Réserves | 721981 | 78594.77100000001 | 266622.46907 | 279593 | 2261528.10928 | 764605.71795 | 4372925.067299999 | 302262.08444 | 302262.08444 | 59288 | 59288 | 4734475.15174 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1141670.62557 | 1384 | 376690.93492 | 0 | 1534070.56049 | 0 | 0 | 0 | 0 | 1534070.56049 BNR | 2894651 | -294458.76979999995 | 452635.1521446 | 1190426 | 2977090.729479999 | 4045976.30802 | 11266320.419844598 | 196880.95242 | 196880.95242 | 250462 | 250462 | 11713663.372264598 6810632 | -36538.99879999994 | 2590852.5113846003 | 2281403 | 7115309.773679999 | 11242494.525969999 | 30004152.812234595 | 749143.03686 | 749143.03686 | 413587 | 413587 | 31166882.8490946 73379557.39 | 3930598.6613800004 | 22882185.857446246 | 25806631 | 92288899.2118483 | 121802219.64572088 | 340090091.76639533 | 7507164.022220001 | 7507164.022220001 | 7036033 | 7036033 | 354633288.78861535 Hors-bilan Effets à l'encaissement | 907521 | 0 | 0 | 0 | 163256.20395 | 18390.350251979 | 1089167.554201979 | 0 | 0 | 0 | 0 | 1089167.554201979 Crédit documentaire | 341342 | 0 | 0 | 0 | 1366941.83391 | 1222879.504750739 | 2931163.3386607394 | 0 | 0 | 0 | 0 | 2931163.3386607394 Autres | 11126198 | 215805.56107147303 | 2506057.600013139 | 446713 | 5704283.398820001 | 1894680.824758106 | 21893738.384662718 | 382897.31029000005 | 382897.31029000005 | 1660053.0692 | 1660053.0692 | 23936688.76415272 Portefeuille brut | 17495759 | 1372563.06262 | 12502971.995279819 | 10604323 | 30816604.357869998 | 36569648.65254 | 109361870.06830981 | 4577759.0743 | 4577759.0743 | 509944 | 509944 | 114449573.14260982 Provisions pour créances douteuses | 568170 | 642061.54511 | 79299.721425678 | 45446 | 811839.71475 | 254152.68193 | 2400969.663215678 | 121297.61998 | 121297.61998 | 0 | 0 | 2522267.283195678 Portefeuille de crédit improductif | 1400801 | 907810.8677802401 | 48507.753128644 | 50638 | 483680 | 50182.00129 | 2941619.6221988844 | 398628.24216 | 398628.24216 | 0 | 0 | 3340247.8643588843 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.30347335910822965 | -8.418632710593059 | 0.29429477774190993 | 0.3476360818321007 | 0.4053144340851998 | 0.21529742806267116 | 0.3077721978587088 | 0.7096972930409251 | 0.7096972930409251 | 0.7212049701755616 | 0.7212049701755616 | 0.3229193593084132 Liquidité en % de l'actif | 0.570332453609436 | 0.6618878594658134 | 0.3926078171144735 | 0.470423938715596 | 0.42552543248605323 | 0.4319658571026273 | 0.463000300075949 | 0.20645443992373344 | 0.20645443992373344 | 0.8806122711476765 | 0.8806122711476765 | 0.465855079337724 Liquidité en % des dépôts | 0.7298241508209614 | 0.7323060874833117 | 0.5456760737598426 | 0.581448117996822 | 0.5264044497430732 | 0.503607915685649 | 0.5678054474088697 | 0.3467159478721777 | 0.3467159478721777 | 1.1233313245410599 | 1.1233313245410599 | 0.5750306911883483 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 52449351.52338382 | BNC | 7550000 | UNIBK | 36315495.97061 | UNIBK | 11242494.525969999 SOGEBK | 38951273.750779994 | BPH | 751000 | SOGEBK | 30004764.64312 | SOGEBK | 7115309.773679999 BNC | 29775323 | BUH | 400000 | BNC | 16927589 | BNC | 6810632 CAPITALBK | 12140057 | SOGEBK | 320000 | BUH | 12423672.27385414 | BUH | 2590852.5113846003 BUH | 8583725.040293334 | UNIBK | 0 | CAPITALBK | 10558877 | CAPITALBK | 2281403 CBNA | 6196017 | CAPITALBK | 0 | SOGEBL | 4456461.4543200005 | SOGEBL | 749143.03686 BPH | 1711459.5096399998 | CBNA | 0 | BPH | 730501.51751 | CBNA | 413587 SOGEBL | 1549887.3435899997 | SOGEBL | 0 | CBNA | 509944 | BPH | -36538.99879999994 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept.18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8704118 | 156341.89627000003 | 633571.457662072 | 662390 | 3231924.03163 | 1358763.6363249 | 14747109.02188697 | 41242.64961 | 41242.64961 | 53823 | 53823 | 14842174.67149697 Avoirs à la BRH | 16208877 | 973311.89836 | 6668594.875817301 | 7980137 | 30082965.03723 | 41662387.0014197 | 103576272.81282699 | 1288027.99239 | 1288027.99239 | 4283082 | 4283082 | 109147382.805217 Avoirs à l'étranger | 523376 | 143346.31372 | 583225.29673392 | 1533599 | 2148084.07039 | 3033594.8964456515 | 7965225.577289571 | 0 | 0 | 1126364 | 1126364 | 9091589.57728957 Avoirs dans les banques locales | 0 | 0 | 20053.356545436 | 1524 | 7870.54654 | 0 | 29447.903085436 | 1111022.35781 | 1111022.35781 | 0 | 0 | 1140470.260895436 Autres liquidités | 209237 | 24261.7074 | 239978.29635888204 | 259499 | 72354.36994 | 1046555.779516078 | 1851886.15321496 | 22518.72334 | 22518.72334 | 123677 | 123677 | 1998081.87655496 25645608 | 1297261.8157499998 | 8145423.283117611 | 10437149 | 35543198.05573 | 47101301.31370633 | 128169941.46830393 | 2462811.72315 | 2462811.72315 | 5586946 | 5586946 | 136219699.19145393 Bons B.R.H. | 9145000 | 760000 | 700000 | 440000 | 1294000 | 600000 | 12939000 | 0 | 0 | 0 | 0 | 12939000 Bons du Trésor / M.E.F. | 4258000 | 177156.92203 | 0 | 0 | 0 | 207564.91037 | 4642721.8324 | 0 | 0 | 0 | 0 | 4642721.8324 Autres Placements | 8683614 | 26281.59406 | 382487.24938199413 | 1481788 | 16069323.339030001 | 27069440.0545805 | 53712934.2370525 | 123093.20361999999 | 123093.20361999999 | 0 | 0 | 53836027.4406725 Portefeuille net | 15966768 | 674025.62975 | 11190428.308710668 | 9273951 | 28261873.66338 | 32150952.53642 | 97517999.13826068 | 4151627.7225300004 | 4151627.7225300004 | 553590 | 553590 | 102223216.86079068 Immobilisations | 2036781.97483 | 308858.18678 | 721694.0708100001 | 790514 | 2999691.31537 | 2422617.05044 | 9280156.59823 | 514471.53456999996 | 514471.53456999996 | 302272 | 302272 | 10096900.1328 Autres actifs | 1839928 | 235905.64195999998 | 234645.417555088 | 603112 | 2475671.40319 | 3548144.1343469657 | 8937406.597052053 | 140040.28505 | 140040.28505 | 34358 | 34358 | 9111804.882102052 67575699.97483 | 3479489.7903299998 | 21374678.329575364 | 23026514 | 86643757.77669999 | 113100019.99986379 | 315200159.87129915 | 7392044.46892 | 7392044.46892 | 6477166 | 6477166 | 329069370.34021914 PASSIF Dépôts À vue | 28522464 | 1335346.15062 | 5262422.308465518 | 7980053 | 29574742.714907434 | 40287381.000812754 | 112962409.1748057 | 1730865.69429 | 1730865.69429 | 4739019 | 4739019 | 119432293.8690957 Épargne | 16397471 | 365901.3889 | 3108469.806059828 | 4212180 | 23372999.71947191 | 34264998.90383934 | 81722020.81827107 | 657739.9596599999 | 657739.9596599999 | 364548 | 364548 | 82744308.77793106 À terme | 8156986 | 1406671.79929 | 6818159.555605287 | 6693512 | 17746916.266448893 | 22515620.62730308 | 63337866.24864726 | 1979868.1003100001 | 1979868.1003100001 | 38285 | 38285 | 65356019.348957255 53076921 | 3107919.33881 | 15189051.670130633 | 18885745 | 70694658.70082822 | 97068000.53195517 | 258022296.241724 | 4368473.75426 | 4368473.75426 | 5141852 | 5141852 | 267532621.99598402 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 | 2124281.0729300003 | 0 | 0 | 0 | 0 | 2124281.0729300003 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1491568 | 127027.80836 | 794798.0651772621 | 597147 | 2602889.5680500004 | 1640163.74646301 | 7253594.188050272 | 188712.75592999998 | 188712.75592999998 | 893927 | 893927 | 8336233.943980272 1491568 | 127027.80836 | 794798.0651772621 | 597147 | 2602889.5680500004 | 3764444.8193930103 | 9377875.260980273 | 188712.75592999998 | 188712.75592999998 | 893927 | 893927 | 10460515.016910272 Obligations à terme Banques locales | 2195401 | 74999.99986 | 2418975.74916 | 531816 | 1927526.08497 | 0 | 7148718.83399 | 1927471.8386900001 | 1927471.8386900001 | 0 | 0 | 9076190.67268 Banque à l'étranger | 0 | 0 | 0 | 0 | 2195530.95112 | 0 | 2195530.95112 | 0 | 0 | 0 | 0 | 2195530.95112 Autres | 3443739 | 201997.29278 | 213261.76947689598 | 178465 | 725977.00568 | 350813.56125417404 | 5114253.62919107 | 84721.82308999999 | 84721.82308999999 | 85127 | 85127 | 5284102.45228107 5639140 | 276997.29264 | 2632237.5186368963 | 710281 | 4849034.04177 | 350813.56125417404 | 14458503.414301071 | 2012193.6617800002 | 2012193.6617800002 | 85127 | 85127 | 16555824.076081071 Autres passifs | 1039317 | 10134.42926 | 208759.927076994 | 688948 | 1614100.30309 | 1527273.975285982 | 5088533.6347129755 | 132743.0525 | 132743.0525 | 0 | 0 | 5221276.687212976 61246946 | 3522078.8690700005 | 18824847.181021787 | 20882121 | 79760682.61373822 | 102710532.88788833 | 286947208.55171835 | 6702123.224470001 | 6702123.224470001 | 6120906 | 6120906 | 299770237.7761884 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729896.58697 | 810000 | 1500000 | 6431912.5 | 12636809.08697 | 250000 | 250000 | 103837 | 103837 | 12990646.08697 Réserves | 721982 | 78594.77100000001 | 249489.23116 | 262050 | 2453566.88816 | 766444.06311 | 4532126.953430001 | 227443.0225 | 227443.0225 | 59288 | 59288 | 4818857.975930001 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1170040.86098 | 1384 | 371816.94492 | 0 | 1557566.8059 | 0 | 0 | 0 | 0 | 1557566.8059 BNR | 2412772 | -300508.84974 | 400404.46944575 | 1070959 | 2557691.3298499957 | 3191130.5522600003 | 9332448.501815746 | 212478.22163000001 | 212478.22163000001 | 193135 | 193135 | 9738061.723445745 6328754 | -42589.07873999997 | 2549831.14855575 | 2144393 | 6883075.162929996 | 10389487.11537 | 28252951.34811575 | 689921.24413 | 689921.24413 | 356260 | 356260 | 29299132.592245743 67575700 | 3479489.7903300007 | 21374678.329577535 | 23026514 | 86643757.77666822 | 113100020.00325833 | 315200159.8998341 | 7392044.468600001 | 7392044.468600001 | 6477166 | 6477166 | 329069370.2684341 Hors-bilan Effets à l'encaissement | 815323 | 0 | 0 | 0 | 140620.2047 | 1197.311534722 | 957140.516234722 | 0 | 0 | 0 | 0 | 957140.516234722 Crédit documentaire | 244921 | 0 | 0 | 0 | 1615259.18351 | 1037165.801866848 | 2897345.985376848 | 0 | 0 | 0 | 0 | 2897345.985376848 Autres | 10588763 | 220689.186544052 | 1187232.1703575342 | 435120 | 5409543.9882499995 | 1323377.4992928582 | 19164725.844444443 | 607470.4712700001 | 607470.4712700001 | 1660069.13821 | 1660069.13821 | 21432265.45392444 Portefeuille brut | 16505563 | 1309781.84108 | 11256471.881454712 | 9307144 | 28986173.17268 | 32364335.316409998 | 99729469.21162471 | 4280198.45026 | 4280198.45026 | 553590 | 553590 | 104563257.66188471 Provisions pour créances douteuses | 538795 | 635756.21133 | 66043.57274404401 | 33193 | 724299.5093 | 213382.77999 | 2211470.073364044 | 128570.72773 | 128570.72773 | 0 | 0 | 2340040.801094044 Portefeuille de crédit improductif | 673908 | 820987.158933496 | 45101.265297692 | 34217 | 286671 | 31370.140610000002 | 1892254.564841188 | 770945.95816 | 770945.95816 | 0 | 0 | 2663200.523001188 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.32182985384326834 | -7.252051368979676 | 0.2830360242554786 | 0.3686423150980254 | 0.43580685149645926 | 0.23317965781544966 | 0.32846680277347073 | 0.7456960326229054 | 0.7456960326229054 | 0.8484589906248245 | 0.8484589906248245 | 0.34461430218149963 Liquidité en % de l'actif | 0.5778498486074799 | 0.6421684995282265 | 0.4138271999573683 | 0.4723749760819202 | 0.4251569761167049 | 0.42359732760554797 | 0.4624098647672528 | 0.3331705773017115 | 0.3331705773017115 | 0.8625602616946979 | 0.8625602616946979 | 0.46738297418821234 Liquidité en % des dépôts | 0.7356984403824027 | 0.7189436063792899 | 0.5823552039468134 | 0.5759449256568909 | 0.5210746997396344 | 0.4935598339465594 | 0.5648801108418895 | 0.5637693761461523 | 0.5637693761461523 | 1.0865629738078808 | 1.0865629738078808 | 0.5748884748199518 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 47101301.31370629 | BNC | 9145000 | UNIBK | 32150952.53642 | UNIBK | 10389487.11537 SOGEBK | 35543198.05573 | UNIBK | 600000 | SOGEBK | 28261873.66338 | SOGEBK | 6883075.162929996 BNC | 25645608 | SOGEBK | 1294000 | BNC | 15966768 | BNC | 6328754 CAPITALBK | 10437149 | BPH | 760000 | BUH | 11190428.308710668 | BUH | 2549831.14855575 BUH | 8145423.283117611 | BUH | 700000 | CAPITALBK | 9273951 | CAPITALBK | 2144393 CBNA | 5586946 | CAPITALBK | 440000 | SOGEBL | 4151627.7225300004 | SOGEBL | 689921.24413 SOGEBL | 2462811.72315 | CBNA | 0 | BPH | 674025.62975 | CBNA | 356260 BPH | 1297261.8157499998 | SOGEBL | 0 | CBNA | 553590 | BPH | -42589.07873999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7118316 | 136390.76737000002 | 729117.0957474699 | 721191 | 2548700.42477 | 1752951.17155947 | 13006666.45944694 | 29877.03009 | 29877.03009 | 58732 | 58732 | 13095275.489536941 Avoirs à la BRH | 16639929 | 948500.5229199999 | 7414195.52946141 | 7382457 | 28728255.17227 | 40171551.159929 | 101284888.3845804 | 1214023.56489 | 1214023.56489 | 5271244 | 5271244 | 107770155.9494704 Avoirs à l'étranger | 922206 | 24211.79451 | 664322.7302331799 | 1191272 | 2076987.36377 | 3336959.8894631728 | 8215959.777976353 | -669.0700100000013 | -669.0700100000013 | 1496541 | 1496541 | 9711831.707966354 Avoirs dans les banques locales | 0 | 0 | 16916.663047179998 | 1620 | 4208.14563 | 0 | 22744.808677179997 | 1089672.25144 | 1089672.25144 | 0 | 0 | 1112417.06011718 Autres liquidités | 182441 | 36744.92263 | 39397.893485529996 | 282385 | 150974.91644 | 948211.3916864931 | 1640155.124242023 | 29979.27212 | 29979.27212 | 128267 | 128267 | 1798401.3963620232 24862892 | 1145848.0074299998 | 8863949.91197477 | 9578925 | 33509126.02288 | 46209673.61263813 | 124170414.5549229 | 2362883.0485300003 | 2362883.0485300003 | 6954784 | 6954784 | 133488081.6034529 Bons B.R.H. | 10000000 | 776000 | 500000 | 450000 | 980000 | 1020000 | 13726000 | 0 | 0 | 0 | 0 | 13726000 Bons du Trésor / M.E.F. | 2500000 | 93737.8193 | 0 | 0 | 0 | 258414.47129 | 2852152.29059 | 0 | 0 | 0 | 0 | 2852152.29059 Autres Placements | 9313505 | 25128.43595 | 261832.29940209002 | 1308089 | 15497948.76399 | 28282396.96167898 | 54688900.46102107 | 136330.51417 | 136330.51417 | 0 | 0 | 54825230.97519107 Portefeuille net | 15511236 | 673365.37958 | 10177873.303764574 | 8729652 | 26833386.28138 | 31244134.13684 | 93169647.10156457 | 4048458.9616199997 | 4048458.9616199997 | 446815 | 446815 | 97664921.06318457 Immobilisations | 1883974.98378 | 310811.01915 | 630644.0446899999 | 784274 | 2829368.8587999996 | 2406210.10329 | 8845283.009709999 | 475012.2687 | 475012.2687 | 307079 | 307079 | 9627374.278409999 Autres actifs | 1958163 | 220297.57828 | 176016.40473067004 | 493964 | 2754603.84766 | 3572724.44948744 | 9175769.28015811 | 167587.14687 | 167587.14687 | 30652 | 30652 | 9374008.42702811 66029770.98378 | 3245188.23969 | 20610315.964562103 | 21344904 | 82404433.77471 | 112993553.73522456 | 306628166.69796664 | 7190271.93989 | 7190271.93989 | 7739330 | 7739330 | 321557768.63785666 PASSIF Dépôts À vue | 27882354 | 1152054.65129 | 4772338.66415404 | 7209213 | 28031986.905589968 | 39476697.34854499 | 108524644.569579 | 1621684.14077 | 1621684.14077 | 6118083 | 6118083 | 116264411.71034901 Épargne | 15823010 | 345535.96504000004 | 2967135.21163612 | 4113242 | 22743427.463979997 | 35447258.12307984 | 81439608.76373595 | 630924.99854 | 630924.99854 | 359258 | 359258 | 82429791.76227595 À terme | 7645630 | 1363517.5089 | 6624328.219950201 | 6069204 | 16356454.751640435 | 19175262.4079032 | 57234396.888393834 | 1988907.43437 | 1988907.43437 | 36816 | 36816 | 59260120.32276383 51350994 | 2861108.1252300004 | 14363802.095740361 | 17391659 | 67131869.1212104 | 94099217.87952802 | 247198650.22170877 | 4241516.57368 | 4241516.57368 | 6514157 | 6514157 | 257954323.7953888 Obligations à vue Banques locales | 0 | 0 | 300000 | 120000 | 0 | 1716320.48109 | 2136320.48109 | 0 | 0 | 0 | 0 | 2136320.48109 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 3789489.38316326 | 3789489.38316326 | 0 | 0 | 0 | 0 | 3789489.38316326 Autres | 1729753.046 | 128208.15 | 925130.7464368099 | 576731 | 2505758.66863 | 1839783.3020865112 | 7705364.913153321 | 162064.15828 | 162064.15828 | 800583 | 800583 | 8668012.07143332 1729753.046 | 128208.15 | 1225130.74643681 | 696731 | 2505758.66863 | 7345593.166339772 | 13631174.77740658 | 162064.15828 | 162064.15828 | 800583 | 800583 | 14593821.93568658 Obligations à terme Banques locales | 2213200 | 87499.99987 | 2461237.50873 | 540234 | 1917847.1375 | 0 | 7220018.6461000005 | 1912045.62395 | 1912045.62395 | 0 | 0 | 9132064.27005 Banque à l'étranger | 0 | 0 | 0 | 0 | 2084750.13275 | 0 | 2084750.13275 | 0 | 0 | 0 | 0 | 2084750.13275 Autres | 3625557 | 204965.61073000001 | 179288.50623503 | 126408 | 675320.6052500001 | 349155.61428608 | 5160695.33650111 | 102370.11157000001 | 102370.11157000001 | 83150 | 83150 | 5346215.44807111 5838757 | 292465.6106 | 2640526.01496503 | 666642 | 4677917.8755 | 349155.61428608 | 14465464.11535111 | 2014415.7355199999 | 2014415.7355199999 | 83150 | 83150 | 16563029.850871112 Autres passifs | 1109366 | 7817.53298 | 338782.23757552996 | 582380 | 1660091.2034200002 | 1425844.626993551 | 5124281.600969081 | 149584.07757000002 | 149584.07757000002 | 0 | 0 | 5273865.678539081 60028870.046000004 | 3289599.41881 | 18568241.094717734 | 19337412 | 75975636.86876039 | 103219811.28714742 | 280419570.71543556 | 6567580.54505 | 6567580.54505 | 7397890 | 7397890 | 294385041.2604856 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 653212.17525 | 810000 | 1500000 | 6468075 | 12596287.17525 | 250000 | 250000 | 103837 | 103837 | 12950124.17525 Réserves | 671982 | 78594.77100000001 | 103338.59228000001 | 278859 | 2171695.39046 | 759836.37234 | 4064306.12608 | 250864.7255 | 250864.7255 | 59288 | 59288 | 4374458.85158 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 129308.80526000001 | 0 | 0 | 0 | 323308.80526 | 0 | 0 | 0 | 0 | 323308.80526 Surplus d'apport | 0 | 14325 | 837703.73559 | 1384 | 371816.94492000004 | 0 | 1225229.68051 | 0 | 0 | 0 | 0 | 1225229.68051 BNR | 2134919 | -302330.95012 | 318511.56146575 | 917249 | 2385284.570419996 | 2545831.07981 | 7999464.261575746 | 121826.66946 | 121826.66946 | 178315 | 178315 | 8299605.931035746 6000901 | -44411.179119999986 | 2042074.86984575 | 2007492 | 6428796.905799996 | 9773742.45215 | 26208596.048675746 | 622691.39496 | 622691.39496 | 341440 | 341440 | 27172727.443635743 66029771.046000004 | 3245188.23969 | 20610315.964563485 | 21344904 | 82404433.77456039 | 112993553.73929742 | 306628166.7641113 | 7190271.94001 | 7190271.94001 | 7739330 | 7739330 | 321557768.60412127 Hors-bilan Effets à l'encaissement | 768906 | 0 | 0 | 0 | 172505.23075 | 119.24767702999999 | 941530.47842703 | 0 | 0 | 0 | 0 | 941530.47842703 Crédit documentaire | 234175 | 0 | 0 | 0 | 1436202.76976 | 1239643.77992125 | 2910021.54968125 | 0 | 0 | 0 | 0 | 2910021.54968125 Autres | 6056675 | 204674.64703368003 | 1154310.06540479 | 209775 | 4574871.24278 | 1713745.4759088699 | 13914051.43112734 | 394690.89292 | 394690.89292 | 1609612.25489 | 1609612.25489 | 15918354.57893734 Portefeuille brut | 15974102 | 1304751.56067 | 10216940.751188975 | 8763980 | 27756570.31376 | 31442013.917710003 | 95458358.54332899 | 4182898.41008 | 4182898.41008 | 446815 | 446815 | 100088071.95340899 Provisions pour créances douteuses | 462866 | 631386.18109 | 39067.4474244 | 34328 | 923184.03238 | 197879.78087 | 2288711.4417644 | 134439.44846 | 134439.44846 | 0 | 0 | 2423150.8902244 Portefeuille de crédit improductif | 1173944 | 808323.6901603399 | 98744.07697016 | 35518 | 1153771 | 36191.65935 | 3306492.4264804996 | 314604.47419000004 | 314604.47419000004 | 0 | 0 | 3621096.9006704995 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.3139486860023186 | -6.99848608635636 | 0.30882513369239795 | 0.39067353693065776 | 0.44010860822922737 | 0.2461912737183584 | 0.3374954916807506 | 0.7628373742510342 | 0.7628373742510342 | 0.8993644564198688 | 0.8993644564198688 | 0.35430283170432614 Liquidité en % de l'actif | 0.5658491835323505 | 0.6210998185185524 | 0.4543331566617116 | 0.46985102392589817 | 0.4185348341470523 | 0.42027254223020527 | 0.4590203449383446 | 0.32862220904626155 | 0.32862220904626155 | 0.8986286926646105 | 0.8986286926646105 | 0.4666851450354783 Liquidité en % des dépôts | 0.7275982233177414 | 0.7044773348326253 | 0.6519130415164717 | 0.5766514281357518 | 0.5137519105956655 | 0.5046597533331838 | 0.5693743340397595 | 0.5570844785076318 | 0.5570844785076318 | 1.0676414461610304 | 1.0676414461610304 | 0.5817550630129252 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46209673.61263813 | BNC | 10000000 | UNIBK | 31244134.13684 | UNIBK | 9773742.45215 SOGEBK | 33509126.02288 | UNIBK | 1020000 | SOGEBK | 26833386.28138 | SOGEBK | 6428796.905799996 BNC | 24862892 | SOGEBK | 980000 | BNC | 15511236 | BNC | 6000901 CAPITALBK | 9578925 | BPH | 776000 | BUH | 10177873.303764574 | BUH | 2042074.86984575 BUH | 8863949.91197477 | BUH | 500000 | CAPITALBK | 8729652 | CAPITALBK | 2007492 CBNA | 6954784 | CAPITALBK | 450000 | SOGEBL | 4048458.9616199997 | SOGEBL | 622691.39496 SOGEBL | 2362883.0485300003 | CBNA | 0 | BPH | 673365.37958 | CBNA | 341440 BPH | 1145848.0074299998 | SOGEBL | 0 | CBNA | 446815 | BPH | -44411.179119999986 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6031592 | 92345.03558 | 404103.28130177 | 478085 | 1914250.94595 | 1855172.5120332101 | 10775548.77486498 | 27924.89082 | 27924.89082 | 108064 | 108064 | 10911537.66568498 Avoirs à la BRH | 17079352 | 1019060.2563 | 6399986.210961295 | 7175600 | 26655426.425019998 | 39338803.01840079 | 97668227.91068208 | 1185825.98683 | 1185825.98683 | 4836788 | 4836788 | 103690841.89751208 Avoirs à l'étranger | 1439604 | 48075.65661 | 991143.9991919202 | 1712761 | 1597882.6869099997 | 4313974.120918374 | 10103441.463630293 | 4767.53806 | 4767.53806 | 510161 | 510161 | 10618370.001690293 Avoirs dans les banques locales | 0 | 0 | 13467.02246931 | 1568 | 5423.0689 | 0 | 20458.09136931 | 1068974.16112 | 1068974.16112 | 0 | 0 | 1089432.25248931 Autres liquidités | 205674 | 25056.50408 | 7246.863238100001 | 209268 | 147784.59048 | 877155.9362591649 | 1472185.894057265 | 8624.68286 | 8624.68286 | 73807 | 73807 | 1554617.576917265 24756222 | 1184537.45257 | 7815947.377162396 | 9577282 | 30320767.71726 | 46385105.58761153 | 120039862.13460392 | 2296117.25969 | 2296117.25969 | 5528820 | 5528820 | 127864799.39429393 Bons B.R.H. | 11671000 | 762000 | 200000 | 180000 | 900000 | 0 | 13713000 | 0 | 0 | 99933 | 99933 | 13812933 Bons du Trésor / M.E.F. | 1400000 | 108318.71657 | 0 | 0 | 0 | 305097.36554 | 1813416.0821099998 | 0 | 0 | 0 | 0 | 1813416.0821099998 Autres Placements | 9028673 | 24514.18696 | 286084.83625785995 | 1185677 | 15169895.79981 | 32146298.499838274 | 57841143.322866134 | 149574.57472 | 149574.57472 | 0 | 0 | 57990717.89758614 Portefeuille net | 15990462 | 688939.39549 | 9763236.137501052 | 8397578 | 25514227.913650002 | 31420085.99562 | 91774529.44226106 | 4086954.1861800007 | 4086954.1861800007 | 433070 | 433070 | 96294553.62844105 Immobilisations | 1863582.04723 | 312830.51628 | 603581.17661 | 785860 | 2717076.62654 | 2346596.05626 | 8629526.42292 | 338352.94484999997 | 338352.94484999997 | 311960 | 311960 | 9279839.36777 Autres actifs | 2092091 | 217889.88306999998 | 195589.74182714004 | 611805 | 3388669.3844600003 | 7367730.999390305 | 13873776.008747445 | 182859.00086 | 182859.00086 | 32865 | 32865 | 14089500.009607445 66802030.04723 | 3299030.15094 | 18864439.26935845 | 20738202 | 78010637.44172001 | 119970914.50426011 | 307685253.41350853 | 7053857.9663 | 7053857.9663 | 6406648 | 6406648 | 321145759.37980855 PASSIF Dépôts À vue | 30039589 | 1156936.73704 | 4231935.23383516 | 7322635 | 25320197.24360852 | 42601970.81758969 | 110673264.03207338 | 1559658.6929700002 | 1559658.6929700002 | 4799671 | 4799671 | 117032593.72504339 Épargne | 15466545 | 350485.04585999995 | 2805135.00150602 | 3922190 | 21932220.365962278 | 33690621.996159405 | 78167197.4094877 | 616592.7384200001 | 616592.7384200001 | 377700 | 377700 | 79161490.14790769 À terme | 7321687 | 1372696.57207 | 6793070.56732914 | 5824859 | 14682191.086497005 | 21133025.936691374 | 57127530.16258752 | 1976927.66738 | 1976927.66738 | 36029 | 36029 | 59140486.82996752 52827821 | 2880118.3549699998 | 13830140.80267032 | 17069684 | 61934608.69606781 | 97425618.75044048 | 245967991.6041486 | 4153179.0987700005 | 4153179.0987700005 | 5213400 | 5213400 | 255334570.70291862 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1908064.00729 | 1908064.00729 | 0 | 0 | 0 | 0 | 1908064.00729 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1700765.046 | 151541.70262 | 772251.76964505 | 611930 | 3901616.05741 | 5005214.43550374 | 12143319.01117879 | 132122.81705999997 | 132122.81705999997 | 726496 | 726496 | 13001937.828238789 1700765.046 | 151541.70262 | 772251.76964505 | 611930 | 3901616.05741 | 6913278.44279374 | 14051383.01846879 | 132122.81705999997 | 132122.81705999997 | 726496 | 726496 | 14910001.83552879 Obligations à terme Banques locales | 1862640 | 99999.99988 | 2207651.92026 | 521529 | 1879155.84435 | 0 | 6570976.76449 | 1920697.81573 | 1920697.81573 | 0 | 0 | 8491674.580219999 Banque à l'étranger | 0 | 0 | 0 | 0 | 2071179.21385 | 0 | 2071179.21385 | 0 | 0 | 0 | 0 | 2071179.21385 Autres | 3555543 | 203495.03523 | 132388.255692235 | 81788 | 573356.5123299999 | 1293656.0085524002 | 5840226.811804635 | 92261.06797999999 | 92261.06797999999 | 63233 | 63233 | 5995720.879784635 5418183 | 303495.03511 | 2340040.1759522352 | 603317 | 4523691.57053 | 1293656.0085524002 | 14482382.790144635 | 2012958.88371 | 2012958.88371 | 63233 | 63233 | 16558574.673854634 Autres passifs | 1025968 | 8905.17125 | 412148.54462783993 | 584731 | 1505978.0704 | 1455019.003346994 | 4992749.789624834 | 160237.63052 | 160237.63052 | 0 | 0 | 5152987.420144835 60972737.046000004 | 3344060.26395 | 17354581.292895447 | 18869662 | 71865894.39440781 | 107087572.20513362 | 279494507.20238686 | 6458498.43006 | 6458498.43006 | 6003129 | 6003129 | 291956134.6324469 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 550000 | 810000 | 1500000 | 6468737.5 | 12493737.5 | 250000 | 250000 | 103837 | 103837 | 12847574.5 Réserves | 671982 | 78594.77100000001 | 103338.59233000001 | 275299 | 2084680.8441400002 | 1209816.82623 | 4423712.0337000005 | 250864.7255 | 250864.7255 | 59288 | 59288 | 4733864.7592 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 134089.14046 | 0 | 0 | 0 | 328089.14046 | 0 | 0 | 0 | 0 | 328089.14046 Surplus d'apport | 0 | 14325 | 411914.92322000006 | 1384 | 371816.94492000004 | 0 | 799440.8681400002 | 0 | 0 | 0 | 0 | 799440.8681400002 BNR | 1963311 | -302949.88401 | 310515.32050475 | 781857 | 2188245.2580999983 | 5204787.968669999 | 10145766.663264748 | 94494.81087000002 | 94494.81087000002 | 240394 | 240394 | 10480655.474134747 5829293 | -45030.11300999997 | 1509857.9765147502 | 1868540 | 6144743.047159999 | 12883342.2949 | 28190746.20556475 | 595359.53637 | 595359.53637 | 403519 | 403519 | 29189624.741934747 66802030.046000004 | 3299030.15094 | 18864439.269410197 | 20738202 | 78010637.44156781 | 119970914.50003362 | 307685253.4079516 | 7053857.96643 | 7053857.96643 | 6406648 | 6406648 | 321145759.37438166 Hors-bilan Effets à l'encaissement | 732807 | 0 | 0 | 0 | 229189.72185 | 1084.04777059 | 963080.76962059 | 0 | 0 | 0 | 0 | 963080.76962059 Crédit documentaire | 229025 | 0 | 0 | 0 | 1171595.58997 | 1059599.7177549351 | 2460220.307724935 | 0 | 0 | 0 | 0 | 2460220.307724935 Autres | 7357670 | 197867.7882428 | 1108804.73144379 | 250807 | 4240416.835810001 | 1533495.88632875 | 14689062.241825342 | 508046.38917 | 508046.38917 | 1609612.25489 | 1609612.25489 | 16806720.885885343 Portefeuille brut | 16416967 | 1316015.89904 | 9806079.009578366 | 8438054 | 26396742.60609 | 31595048.97841 | 93968907.49311836 | 4216974.225670001 | 4216974.225670001 | 433070 | 433070 | 98618951.71878836 Provisions pour créances douteuses | 426505 | 627076.5035499999 | 42842.872077315005 | 40476 | 882514.6924400001 | 174962.98279 | 2194378.0508573153 | 130020.03949 | 130020.03949 | 0 | 0 | 2324398.090347315 Portefeuille de crédit improductif | 1179838 | 783650.656870255 | 72360.63113907499 | 56114 | 1243259 | 35792.45602 | 3371014.7440293296 | 541304.58489 | 541304.58489 | 0 | 0 | 3912319.3289193297 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.31969263635058315 | -6.947140377163361 | 0.3997602330805075 | 0.4205743521680028 | 0.4421790473070781 | 0.18214186990816222 | 0.3061120255559806 | 0.5683169986878697 | 0.5683169986878697 | 0.7730986644990694 | 0.7730986644990694 | 0.31791567893773864 Liquidité en % de l'actif | 0.5662585698856099 | 0.6228667442019301 | 0.4249237023537041 | 0.4704979727750747 | 0.4002116729347883 | 0.3891793535631804 | 0.440600505590438 | 0.32551226161056307 | 0.32551226161056307 | 0.8785800312425468 | 0.8785800312425468 | 0.44681003651896783 Liquidité en % des dépôts | 0.7160473645127252 | 0.7134624053188967 | 0.5795998386086336 | 0.5716146824979302 | 0.5040924351434901 | 0.47923948086745344 | 0.5511541454340492 | 0.5528577518773546 | 0.5528577518773546 | 1.0796702727586605 | 1.0796702727586605 | 0.5619730539479343 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46385105.58761153 | BNC | 11671000 | UNIBK | 31420085.99562 | UNIBK | 12883342.2949 SOGEBK | 30320767.71726 | SOGEBK | 900000 | SOGEBK | 25514227.913650002 | SOGEBK | 6144743.047159999 BNC | 24756222 | BPH | 762000 | BNC | 15990462 | BNC | 5829293 CAPITALBK | 9577282 | BUH | 200000 | BUH | 9763236.137501052 | CAPITALBK | 1868540 BUH | 7815947.377162396 | CAPITALBK | 180000 | CAPITALBK | 8397578 | BUH | 1509857.9765147502 CBNA | 5528820 | CBNA | 99933 | SOGEBL | 4086954.1861800007 | SOGEBL | 595359.53637 SOGEBL | 2296117.25969 | UNIBK | 0 | BPH | 688939.39549 | CBNA | 403519 BPH | 1184537.45257 | SOGEBL | 0 | CBNA | 433070 | BPH | -45030.11300999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2017 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5793865 | 146586.90623 | 550165.4227070439 | 584647 | 3113529.92235 | 2426080.7133978438 | 12614874.964684887 | 41713.3258 | 41713.3258 | 81171 | 81171 | 12737759.290484887 Avoirs à la BRH | 18202548 | 1046780.94008 | 5702633.632497523 | 6893773 | 25329354.59928 | 37831790.1251374 | 95006880.29699492 | 1150637.70499 | 1150637.70499 | 4069950 | 4069950 | 100227468.00198492 Avoirs à l'étranger | 1429845 | 150176.26925 | 707816.876708502 | 964309 | 1478036.7888000002 | 3222197.732811865 | 7952381.667570367 | 5269.82093 | 5269.82093 | 1823940 | 1823940 | 9781591.488500368 Avoirs dans les banques locales | 0 | 0 | 13399.616140574 | 1318 | 5073.43027 | -1.1005385204043706e-09 | 19791.046410572897 | 1044155.06467 | 1044155.06467 | 0 | 0 | 1063946.111080573 Autres liquidités | 319565 | 53466.35445 | 128749.18041960799 | 316795 | 220252.36606 | 907911.238744707 | 1946739.139674315 | 29120.00459 | 29120.00459 | 228836 | 228836 | 2204695.1442643153 25745823 | 1397010.4700099998 | 7102764.728473251 | 8760842 | 30146247.106760003 | 44387979.81009182 | 117540667.11533508 | 2270895.92098 | 2270895.92098 | 6203897 | 6203897 | 126015460.03631507 Bons B.R.H. | 10165000 | 564000 | 350000 | 50000 | 300000 | 1175000 | 12604000 | 0 | 0 | 239591 | 239591 | 12843591 Bons du Trésor / M.E.F. | 0 | 122899.61384 | 0 | 0 | 0 | 351780.25979 | 474679.87363 | 0 | 0 | 0 | 0 | 474679.87363 Autres Placements | 8790887 | 73919.12973000004 | 292871.371009883 | 1350207 | 14990059.35629 | 31745041.449853785 | 57242985.30688366 | 162818.63527 | 162818.63527 | 0 | 0 | 57405803.94215366 Portefeuille net | 14287127 | 692380.5676200001 | 9211638.355980592 | 8257544 | 24543593.0513 | 29734883.37857 | 86727166.3534706 | 4040562.8353200005 | 4040562.8353200005 | 430283 | 430283 | 91198012.18879059 Immobilisations | 1882994.9980899997 | 314829.99394 | 590425.59849 | 632594 | 2726008.34779 | 2325450.1141299997 | 8472303.052439999 | 329168.88068 | 329168.88068 | 317025 | 317025 | 9118496.93312 Autres actifs | 1924742 | 220685.549 | 193252.42467298004 | 772327 | 2854723.91205 | 6617531.298672923 | 12583262.184395902 | 167603.84123999998 | 167603.84123999998 | 34437 | 34437 | 12785303.025635902 62796573.99809 | 3385725.32414 | 17740952.478626706 | 19823514 | 75560631.77419 | 116337666.31110854 | 295645063.8861552 | 6971050.11349 | 6971050.11349 | 7225233 | 7225233 | 309841346.99964523 PASSIF Dépôts À vue | 27032438 | 1272917.63612 | 4202279.511693414 | 6706634 | 25304037.71587409 | 40913131.0549632 | 105431437.9186507 | 1634687.2883999997 | 1634687.2883999997 | 5650015 | 5650015 | 112716140.2070507 Épargne | 15347028 | 343362.34018 | 2775103.469169634 | 3855200 | 20865532.31098656 | 31989327.131498642 | 75175553.25183484 | 656794.42063 | 656794.42063 | 364705 | 364705 | 76197052.67246483 À terme | 7045528 | 1343516.13591 | 6260221.831634482 | 5577399 | 13521378.873094037 | 21192010.238250945 | 54940054.07888946 | 1814554.26024 | 1814554.26024 | 35269 | 35269 | 56789877.33912946 49424994 | 2959796.11221 | 13237604.81249753 | 16139233 | 59690948.89995469 | 94094468.42471278 | 235547045.24937502 | 4106035.9692699993 | 4106035.9692699993 | 6049989 | 6049989 | 245703070.21864498 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1827296.07516 | 1827296.07516 | 0 | 0 | 0 | 0 | 1827296.07516 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2168141.046 | 149758.74738000002 | 743134.789576174 | 628386 | 3297112.7975100004 | 5482623.645124469 | 12469157.025590643 | 54215.45465 | 54215.45465 | 717062 | 717062 | 13240434.480240643 2168141.046 | 149758.74738000002 | 743134.789576174 | 628386 | 3297112.7975100004 | 7309919.720284469 | 14296453.100750644 | 54215.45465 | 54215.45465 | 717062 | 717062 | 15067730.555400643 Obligations à terme Banques locales | 1210400 | 112499.99989 | 1887494.23357 | 506619 | 1707458.37836 | 0 | 5424471.611819999 | 1850880.21572 | 1850880.21572 | 0 | 0 | 7275351.827539999 Banque à l'étranger | 0 | 0 | 0 | 0 | 2258481.81551 | 0 | 2258481.81551 | 0 | 0 | 0 | 0 | 2258481.81551 Autres | 3497167 | 202094.94953 | 141035.52698290898 | 82635 | 566033.36389 | 1128585.99929777 | 5617551.839700678 | 85912.79778 | 85912.79778 | 61662 | 61662 | 5765126.637480678 4707567 | 314594.94942 | 2028529.760552909 | 589254 | 4531973.55776 | 1128585.99929777 | 13300505.267030679 | 1936793.0135 | 1936793.0135 | 61662 | 61662 | 15298960.280530678 Autres passifs | 958246 | 5620.0818500000005 | 321876.98102073 | 576494 | 1671060.82247 | 1227528.8292848493 | 4760826.714625579 | 183309.98127 | 183309.98127 | 0 | 0 | 4944136.69589558 57258948.046000004 | 3429769.89086 | 16331146.343647344 | 17933367 | 69191096.07769468 | 103760502.97357985 | 267904830.3317819 | 6280354.41869 | 6280354.41869 | 6828713 | 6828713 | 281013897.7504719 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 547726.75 | 540000 | 1500000 | 6469425 | 12222151.75 | 250000 | 250000 | 103837 | 103837 | 12575988.75 Réserves | 490508 | 78594.77100000001 | 75647.80833 | 289755 | 2015094.39426 | 1199002.86208 | 4148602.83567 | 251664.7255 | 251664.7255 | 59288 | 59288 | 4459555.56117 Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 116823.26462999999 | 0 | 0 | 0 | 274040.26463 | 0 | 0 | 0 | 0 | 274040.26463 Surplus d'apport | 0 | 14325 | 411912.05858 | 1384 | 371816.94492000004 | 0 | 799438.0035000001 | 0 | 0 | 0 | 0 | 799438.0035000001 BNR | 1889901 | -301964.33771999995 | 257696.25348475 | 1059008 | 2482624.357320001 | 4908735.47406 | 10296000.747144751 | 189030.96922 | 189030.96922 | 233395 | 233395 | 10718426.71636475 5537626 | -44044.566719999944 | 1409806.13502475 | 1890147 | 6369535.6965000015 | 12577163.33614 | 27740233.60094475 | 690695.69472 | 690695.69472 | 396520 | 396520 | 28827449.29566475 62796574.046000004 | 3385725.32414 | 17740952.478672095 | 19823514 | 75560631.77419469 | 116337666.30971986 | 295645063.9327267 | 6971050.11341 | 6971050.11341 | 7225233 | 7225233 | 309841347.04613656 Hors-bilan Effets à l'encaissement | 701512 | 0 | 0 | 0 | 146892.07829 | 1430.933226478 | 849835.011516478 | 0 | 0 | 0 | 0 | 849835.011516478 Crédit documentaire | 222905 | 0 | 0 | 0 | 1096063.0563299998 | 1058927.816524896 | 2377895.872854896 | 0 | 0 | 0 | 0 | 2377895.872854896 Autres | 3581597 | 200552.64254919902 | 823295.86389332 | 167812 | 3942638.8178800005 | 1792472.305597526 | 10508368.629920047 | 601953.48787 | 601953.48787 | 1535642.5912 | 1535642.5912 | 12645964.708990047 Portefeuille brut | 14774252 | 1315212.96665 | 9252945.46004674 | 8296446 | 25417545.77592 | 29903209.7595 | 88959611.96211673 | 4166249.4277100004 | 4166249.4277100004 | 430283 | 430283 | 93556144.38982673 Provisions pour créances douteuses | 487125 | 622832.39903 | 41307.104066148 | 38902 | 873952.72462 | 168326.38093 | 2232445.608646148 | 125686.59239 | 125686.59239 | 0 | 0 | 2358132.201036148 Portefeuille de crédit improductif | 655272 | 682179.3370174301 | 62271.675968292 | 65382 | 700285 | 43717.43789 | 2209107.4508757223 | 390789.11771 | 390789.11771 | 0 | 0 | 2599896.5685857222 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.3400365062736269 | -7.14798708184455 | 0.41879914111711164 | 0.3346797894555291 | 0.4279759903516853 | 0.18489464213666587 | 0.3054157068147926 | 0.4765758396878979 | 0.4765758396878979 | 0.7995183092908302 | 0.7995183092908302 | 0.3163129987532853 Liquidité en % de l'actif | 0.5718595890452918 | 0.6154988619401158 | 0.420088196361042 | 0.44446418531043486 | 0.4029379637500574 | 0.3946680514210868 | 0.44181135741628014 | 0.32576095193828614 | 0.32576095193828614 | 0.8918034892438763 | 0.8918034892438763 | 0.44969379412782057 Liquidité en % des dépôts | 0.7265721266450735 | 0.7040721741789168 | 0.5629994877500156 | 0.5459269346938606 | 0.5100647194902126 | 0.48796449821722854 | 0.5545361303542468 | 0.5530628416252613 | 0.5530628416252613 | 1.0650412752816576 | 1.0650412752816576 | 0.5670817657506497 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 44387979.81009182 | BNC | 10165000 | UNIBK | 29734883.37857 | UNIBK | 12577163.33614 SOGEBK | 30146247.106760003 | UNIBK | 1175000 | SOGEBK | 24543593.0513 | SOGEBK | 6369535.6965000015 BNC | 25745823 | BPH | 564000 | BNC | 14287127 | BNC | 5537626 CAPITALBK | 8760842 | BUH | 350000 | BUH | 9211638.355980592 | CAPITALBK | 1890147 BUH | 7102764.728473251 | SOGEBK | 300000 | CAPITALBK | 8257544 | BUH | 1409806.13502475 CBNA | 6203897 | CBNA | 239591 | SOGEBL | 4040562.8353200005 | SOGEBL | 690695.69472 SOGEBL | 2270895.92098 | CAPITALBK | 50000 | BPH | 692380.5676200001 | CBNA | 396520 BPH | 1397010.4700099998 | SOGEBL | 0 | CBNA | 430283 | BPH | -44044.566719999944 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 17] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2017 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6653164 | 152660.28762000002 | 424411.9669934 | 466162 | 2765658.73432 | 1673389.10886192 | 12135446.097795319 | 39489.13881 | 39489.13881 | 66326 | 66326 | 12241261.236605318 Avoirs à la BRH | 18244162 | 1063075.61097 | 6070866.9929379 | 7321187 | 24892504.12629 | 34725293.041269496 | 92317088.7714674 | 1102569.8828099999 | 1102569.8828099999 | 3430406 | 3430406 | 96850064.6542774 Avoirs à l'étranger | 1125518 | 85280.99249 | 536570.6817549 | 916427 | 1618157.3285600003 | 5644860.807406212 | 9926814.810211113 | 5698.4069 | 5698.4069 | 1520215 | 1520215 | 11452728.217111113 Avoirs dans les banques locales | 0 | 0 | 121959.1610866 | 1181 | 8906.01676 | 0 | 132046.1778466 | 1221712.3631099998 | 1221712.3631099998 | 0 | 0 | 1353758.5409565999 Autres liquidités | 390071 | 39779.0723 | 21878.719866999996 | 227898 | 122635.62688 | 941703.9357995 | 1743966.3548464999 | 87181.92762 | 87181.92762 | 151000 | 151000 | 1982148.2824664998 26412915 | 1340795.96338 | 7175687.522639801 | 8932855 | 29407861.832810003 | 42985246.89333713 | 116255362.21216694 | 2456651.71925 | 2456651.71925 | 5167947 | 5167947 | 123879960.93141693 Bons B.R.H. | 7600000 | 362000 | 300000 | 245534 | 1600000 | 900000 | 11007534 | 0 | 0 | 259477 | 259477 | 11267011 Bons du Trésor / M.E.F. | 1400000 | 137480.51111 | 0 | 0 | 0 | 394296.48737 | 1931776.99848 | 0 | 0 | 0 | 0 | 1931776.99848 Autres Placements | 9114962 | 223544.64628999992 | 317569.333981 | 1161969 | 14727490.9608 | 33598152.566332296 | 59143688.5074033 | 176062.69582 | 176062.69582 | 0 | 0 | 59319751.203223296 Portefeuille net | 13905845 | 703651.8674100001 | 8528931.441513699 | 7699284 | 22532288.675090004 | 29191141.37241 | 82561142.3564237 | 4010119.59043 | 4010119.59043 | 589496 | 589496 | 87160757.94685371 Immobilisations | 1876178.9980899997 | 314136.79089 | 591220.26424 | 618358 | 2734082.12295 | 2245547.11527 | 8379523.29144 | 333835.21233 | 333835.21233 | 320182 | 320182 | 9033540.50377 Autres actifs | 1734689 | 213458.73016 | 121717.58783369999 | 431512 | 2559134.94024 | 5892257.967266301 | 10952770.2255 | 146286.90393 | 146286.90393 | 30919 | 30919 | 11129976.12943 62044589.99809 | 3295068.5092399996 | 17035126.150208198 | 19089512 | 73560858.53189 | 115206642.40198573 | 290231797.591414 | 7122956.1217600005 | 7122956.1217600005 | 6368021 | 6368021 | 303722774.7131739 PASSIF Dépôts À vue | 27992197 | 1187463.5766699999 | 4326621.2738122 | 6528281 | 25795097.767905317 | 41011511.481636025 | 106841172.10002354 | 1609222.7383 | 1609222.7383 | 4868316 | 4868316 | 113318710.83832353 Épargne | 14541902 | 329492.18128 | 2678202.2854905 | 3756581 | 21332660.66162958 | 31160596.157244697 | 73799434.28564477 | 645020.65676 | 645020.65676 | 343007 | 343007 | 74787461.94240478 À terme | 6898930 | 1333915.11009 | 6114673.8675356 | 5313635 | 12967975.925651891 | 20996925.583194997 | 53626055.48647249 | 1797841.50999 | 1797841.50999 | 34787 | 34787 | 55458683.99646249 49433029 | 2850870.86804 | 13119497.426838301 | 15598497 | 60095734.35518679 | 93169033.22207573 | 234266661.8721408 | 4052084.90505 | 4052084.90505 | 5246110 | 5246110 | 243564856.7771908 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2344210.98401 | 2344210.98401 | 0 | 0 | 0 | 0 | 2344210.98401 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1639630.046 | 154940.14149 | 414818.4899099 | 480574 | 2182179.24627 | 5096594.495880357 | 9968736.419550259 | 66467.53725000001 | 66467.53725000001 | 675298 | 675298 | 10710501.956800258 1639630.046 | 154940.14149 | 414818.4899099 | 480574 | 2182179.24627 | 7440805.479890357 | 12312947.403560258 | 66467.53725000001 | 66467.53725000001 | 675298 | 675298 | 13054712.940810258 Obligations à terme Banques locales | 1210400 | 124999.9999 | 1821283.21353 | 514416 | 1589533.9123699998 | 0 | 5260633.1258 | 2079326.46988 | 2079326.46988 | 0 | 0 | 7339959.595679999 Banque à l'étranger | 0 | 0 | 0 | 0 | 1583074.39348 | 0 | 1583074.39348 | 0 | 0 | 0 | 0 | 1583074.39348 Autres | 3632282 | 207349.32134000002 | 116383.4312468 | 151116 | 792000.23048 | 1057351.2193425 | 5956482.2024093 | 85924.99978 | 85924.99978 | 55181 | 55181 | 6097588.2021893 4842682 | 332349.32124 | 1937666.6447768002 | 665532 | 3964608.53633 | 1057351.2193425 | 12800189.721689299 | 2165251.46966 | 2165251.46966 | 55181 | 55181 | 15020622.1913493 Autres passifs | 953480 | 3619.1551200000004 | 227432.5445876 | 556786 | 1439455.07081 | 1316909.8946861718 | 4497682.665203772 | 161939.41895000002 | 161939.41895000002 | 0 | 0 | 4659622.084153771 56868821.046000004 | 3341779.4858899997 | 15699415.106112601 | 17301389 | 67681977.2085968 | 102984099.81599477 | 263877481.66259417 | 6445743.33091 | 6445743.33091 | 5976589 | 5976589 | 276299813.99350417 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 547726.75 | 540000 | 1345720 | 6470050 | 12068496.75 | 200000 | 200000 | 103837 | 103837 | 12372333.75 Réserves | 490509 | 78594.77100000001 | 75647.80833 | 282800 | 2005982.4064800001 | 1167947.59555 | 4101481.58136 | 270142.4945 | 270142.4945 | 63866 | 63866 | 4435490.07586 Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 99409.46121 | 0 | 0 | 0 | 256626.46120999998 | 0 | 0 | 0 | 0 | 256626.46120999998 Surplus d'apport | 0 | 14325 | 411912.05858 | 1384 | 210816.3445 | 0 | 638437.4030800001 | 0 | 0 | 0 | 0 | 638437.4030800001 BNR | 1528043 | -304630.74765 | 201014.96591999996 | 963939 | 2316362.572209997 | 4584544.98592 | 9289273.776399996 | 207070.29653999998 | 207070.29653999998 | 223729 | 223729 | 9720073.072939996 5175769 | -46710.97664999997 | 1335711.0440399998 | 1788123 | 5878881.323189998 | 12222542.58147 | 26354315.972049996 | 677212.7910399999 | 677212.7910399999 | 391432 | 391432 | 27422960.76309 62044590.046000004 | 3295068.5092399996 | 17035126.1501526 | 19089512 | 73560858.5317868 | 115206642.39746477 | 290231797.6346441 | 7122956.12195 | 7122956.12195 | 6368021 | 6368021 | 303722774.7565942 Hors-bilan Effets à l'encaissement | 677233 | 0 | 0 | 0 | 61909.50762 | 935.3474272999999 | 740077.8550473 | 0 | 0 | 0 | 0 | 740077.8550473 Crédit documentaire | 223508 | 0 | 0 | 0 | 1162471.39501 | 1007818.0681790999 | 2393797.4631891 | 0 | 0 | 0 | 0 | 2393797.4631891 Autres | 2957417 | 196835.93807950002 | 956056.1406981 | 154018 | 4168139.03058 | 1572242.4266678 | 10004708.5360254 | 491899.44221999997 | 491899.44221999997 | 1489077.4429600001 | 1489077.4429600001 | 11985685.4212054 Portefeuille brut | 14389092 | 1322192.81752 | 8574671.9817693 | 7737462 | 23415738.017070003 | 29383011.76747 | 84822168.5838293 | 4129252.66959 | 4129252.66959 | 589496 | 589496 | 89540917.2534193 Provisions pour créances douteuses | 483247 | 618540.95011 | 45740.540255600004 | 38178 | 883449.34198 | 191870.39506 | 2261026.2274056002 | 119133.07916 | 119133.07916 | 0 | 0 | 2380159.3065656004 Portefeuille de crédit improductif | 590669 | 907496.5695197 | 39651.436601299996 | 43454 | 541597 | 71108.7145 | 2193976.720621 | 433556.78107 | 433556.78107 | 0 | 0 | 2627533.501691 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.3624928002177067 | -6.7251171655816835 | 0.44262587097565026 | 0.3458140183868783 | 0.46506843269059783 | 0.1837217665884318 | 0.31795639470691944 | 0.49295467650179375 | 0.49295467650179375 | 0.8179760469251364 | 0.8179760469251364 | 0.32941521456460365 Liquidité en % de l'actif | 0.5707655574980859 | 0.558494146428068 | 0.4388395751650149 | 0.4808079431260474 | 0.4215266440829741 | 0.38434887483487595 | 0.4451430693770025 | 0.34489215955509633 | 0.34489215955509633 | 0.8522936717702407 | 0.8522936717702407 | 0.4513285151544849 Liquidité en % des dépôts | 0.7163816524372804 | 0.6455137954933775 | 0.5698150835676778 | 0.5884149607491029 | 0.5159744225695405 | 0.4752603075226009 | 0.551485525845583 | 0.6062685695920004 | 0.6062685695920004 | 1.0345616085061122 | 1.0345616085061122 | 0.5628018374395217 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 42985246.89333713 | BNC | 7600000 | UNIBK | 29191141.37241 | UNIBK | 12222542.58147 SOGEBK | 29407861.832810003 | SOGEBK | 1600000 | SOGEBK | 22532288.675090004 | SOGEBK | 5878881.323189998 BNC | 26412915 | UNIBK | 900000 | BNC | 13905845 | BNC | 5175769 CAPITALBK | 8932855 | BPH | 362000 | BUH | 8528931.441513699 | CAPITALBK | 1788123 BUH | 7175687.522639801 | BUH | 300000 | CAPITALBK | 7699284 | BUH | 1335711.0440399998 CBNA | 5167947 | CBNA | 259477 | SOGEBL | 4010119.59043 | SOGEBL | 677212.7910399999 SOGEBL | 2456651.71925 | CAPITALBK | 245534 | BPH | 703651.8674100001 | CBNA | 391432 BPH | 1340795.96338 | SOGEBL | 0 | CBNA | 589496 | BPH | -46710.97664999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2016 AU 30 JUIN 2017 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6120461 | 186228.4284 | 393014.500116084 | 556920 | 2101717.8704 | 1850963.009669528 | 11209304.80858561 | 35311.876520000005 | 35311.876520000005 | 57140 | 57140 | 11301756.68510561 Avoirs à la BRH | 16743080 | 1019554.08985 | 5769782.560208991 | 7484279 | 24656648.037609998 | 36209171.94010833 | 91882515.62777732 | 1155740.41916 | 1155740.41916 | 3540142 | 3540142 | 96578398.04693732 Avoirs à l'étranger | 695772 | 105635.01187 | 279776.801888736 | 1795553 | 1012027.0071799998 | 7992691.934771208 | 11881455.755709944 | 8994.77822 | 8994.77822 | 1189323 | 1189323 | 13079773.533929944 Avoirs dans les banques locales | 0 | 0 | 49766.395315104004 | 2629 | 2649.76213 | 6.556914513566881e-10 | 55045.15744510466 | 1198098.7860899998 | 1198098.7860899998 | 0 | 0 | 1253143.9435351044 Autres liquidités | 206428 | 38840.6475 | 114.51978194399999 | 211918 | 100901.81825 | 671607.1828616039 | 1229810.1683935479 | 16558.78168 | 16558.78168 | 112564 | 112564 | 1358932.950073548 23765741 | 1350258.17762 | 6492454.777310859 | 10051299 | 27873944.49557 | 46724434.06741067 | 116258131.51791154 | 2414704.64167 | 2414704.64167 | 4899169 | 4899169 | 123572005.15958153 Bons B.R.H. | 8000000 | 225000 | 500000 | 171834 | 700000 | 2025000 | 11621834 | 0 | 0 | 49967 | 49967 | 11671801 Bons du Trésor / M.E.F. | 1400000 | 152061.40838 | 0 | 0 | 0 | 445146.04829 | 1997207.45667 | 0 | 0 | 0 | 0 | 1997207.45667 Autres Placements | 10079379 | 523417.55253 | 342757.7963052959 | 970886 | 15298941.68221 | 37630757.90899296 | 64846139.94003826 | 189299.25637000002 | 189299.25637000002 | 0 | 0 | 65035439.19640826 Portefeuille net | 13593650 | 740867.47437 | 7818230.427052463 | 7211596 | 21269509.718200002 | 26443577.17437 | 77077430.79399246 | 3951365.913364 | 3951365.913364 | 597474 | 597474 | 81626270.70735645 Immobilisations | 1836571.7673399998 | 314110.97077 | 545528.51762 | 615064 | 2708558.72596 | 2164730.03415 | 8184564.01584 | 337243.66108000005 | 337243.66108000005 | 325954 | 325954 | 8847761.67692 Autres actifs | 1791567 | 221497.70723000003 | 133141.76085192 | 450591 | 2606509.32316 | 2200823.005816232 | 7404129.797058152 | 156420.22295999998 | 156420.22295999998 | 34039 | 34039 | 7594589.020018152 60466908.76734 | 3527213.2909 | 15832113.27914054 | 19471270 | 70457463.94510001 | 117634468.23902987 | 287389437.5215104 | 7049033.695444 | 7049033.695444 | 5906603 | 5906603 | 300345074.2169544 PASSIF Dépôts À vue | 26783475 | 1310469.47706 | 3973806.1236295123 | 7190901 | 24085786.700159997 | 41637104.492469095 | 104981542.7933186 | 1602173.30403 | 1602173.30403 | 4539996 | 4539996 | 111123712.0973486 Épargne | 14553365 | 331266.65408999997 | 2693040.5456529036 | 3755111 | 21518308.51233 | 30949930.910071168 | 73801022.62214407 | 610910.28469 | 610910.28469 | 331548 | 331548 | 74743480.90683407 À terme | 6648863 | 1412228.76961 | 5358690.393064208 | 5038959 | 12671398.706382459 | 20833567.379743513 | 51963707.24880017 | 2188980.03768 | 2188980.03768 | 34619 | 34619 | 54187306.28648017 47985703 | 3053964.9007599996 | 12025537.062346624 | 15984971 | 58275493.91887245 | 93420602.78228378 | 230746272.66426283 | 4402063.6263999995 | 4402063.6263999995 | 4906163 | 4906163 | 240054499.29066283 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2810876.77429 | 2810876.77429 | 0 | 0 | 0 | 0 | 2810876.77429 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1632955.046 | 160638.7507 | 448972.411659452 | 466944 | 1775785.0536099996 | 2563085.085546856 | 7048380.347516308 | 74215.1897999999 | 74215.1897999999 | 584490 | 584490 | 7707085.537316307 1632955.046 | 160638.7507 | 448972.411659452 | 466944 | 1775785.0536099996 | 5373961.859836856 | 9859257.121806309 | 74215.1897999999 | 74215.1897999999 | 584490 | 584490 | 10517962.311606307 Obligations à terme Banques locales | 1210400 | 137499.99991 | 1728870.00016 | 622214 | 1362668.04227 | 0 | 5061652.04234 | 1687772.72404 | 1687772.72404 | 0 | 0 | 6749424.76638 Banque à l'étranger | 0 | 0 | 0 | 0 | 946012.59597 | 0 | 946012.59597 | 0 | 0 | 0 | 0 | 946012.59597 Autres | 3724864.7199999997 | 210337.6667 | 117594.90473915999 | 110059 | 704529.85684 | 1286798.889191012 | 6154185.037470172 | 80856.59292 | 80856.59292 | 37616 | 37616 | 6272657.630390172 4935264.72 | 347837.66661 | 1846464.9048991601 | 732273 | 3013210.4950800003 | 1286798.889191012 | 12161849.675780173 | 1768629.31696 | 1768629.31696 | 37616 | 37616 | 13968094.992740173 Autres passifs | 1013892 | 6213.01871 | 218841.57137286398 | 602429 | 1793793.8147899997 | 1458256.689337416 | 5093426.09421028 | 170272.81991000002 | 170272.81991000002 | 0 | 0 | 5263698.91412028 55567814.766 | 3568654.33678 | 14539815.9502781 | 17786617 | 64858283.282352455 | 101539620.22064908 | 257860805.55605966 | 6415180.953069999 | 6415180.953069999 | 5528269 | 5528269 | 269804255.50912964 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 547696.5 | 540000 | 1345720 | 3232525 | 8830941.5 | 200000 | 200000 | 103837 | 103837 | 9134778.5 Réserves | 490509 | 78594.77100000001 | 80314.03429 | 271906 | 1907418.11602 | 2434254.06523 | 5262995.98654 | 251452.08089999997 | 251452.08089999997 | 63866 | 63866 | 5578314.06744 Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 87894.04088 | 0 | 0 | 0 | 245111.04088 | 0 | 0 | 0 | 0 | 245111.04088 Surplus d'apport | 0 | 14325 | 411816.88018 | 1384 | 210816.3445 | 0 | 638342.22468 | 0 | 0 | 0 | 0 | 638342.22468 BNR | 1251368 | -299360.81688 | 164575.87350999998 | 871363 | 2135226.2022299985 | 10428068.952370001 | 14551241.211229999 | 182400.66122999997 | 182400.66122999997 | 210631 | 210631 | 14944272.872459998 4899094 | -41441.04587999999 | 1292297.32886 | 1684653 | 5599180.662749998 | 16094848.0176 | 29528631.963329997 | 633852.7421299999 | 633852.7421299999 | 378334 | 378334 | 30540818.705459997 60466908.766 | 3527213.2909 | 15832113.2791381 | 19471270 | 70457463.94510245 | 117634468.23824908 | 287389437.51938957 | 7049033.695199999 | 7049033.695199999 | 5906603 | 5906603 | 300345074.2145896 Hors-bilan Effets à l'encaissement | 654000 | 0 | 0 | 0 | 145502.78106 | 4915.137001511999 | 804417.9180615119 | 0 | 0 | 0 | 0 | 804417.9180615119 Crédit documentaire | 187055 | 0 | 0 | 0 | 1340961.9151700002 | 1109038.300194924 | 2637055.215364924 | 0 | 0 | 0 | 0 | 2637055.215364924 Autres | 3060099 | 196209.412267312 | 954478.5688243199 | 172081 | 3320466.45292 | 1477257.998177736 | 9180592.432189368 | 501240.1031119999 | 501240.1031119999 | 1549364.1630000002 | 1549364.1630000002 | 11231196.698301367 Portefeuille brut | 13976152 | 1347811.18495 | 7865247.511693696 | 7254349 | 22216898.34056 | 26634939.90316 | 79295397.9403637 | 4066488.868044 | 4066488.868044 | 597474 | 597474 | 83959360.80840771 Provisions pour créances douteuses | 382502 | 606943.71058 | 47017.084641232 | 42753 | 947388.62236 | 191362.72879 | 2217967.146371232 | 115122.95468 | 115122.95468 | 0 | 0 | 2333090.101051232 Portefeuille de crédit improductif | 1008213 | 735271.8854934 | 47016.611528908 | 80786 | 788711 | 94421.23238 | 2754419.729402308 | 466977.49000000005 | 466977.49000000005 | 0 | 0 | 3221397.219402308 Dépôts US convertis | 21185728 | 1520065.03864 | 8107416.2889783 | 11272143 | 39189592.84966679 | 66808768.472785726 | 148083713.65007082 | 3352471.66432 | 3352471.66432 | 4175420 | 4175420 | 155611605.3143908 Immobilisation /A | 0.37487987928788463 | -7.57970664349459 | 0.42213854771427717 | 0.36509833182263646 | 0.4837419774609863 | 0.13449832093989517 | 0.27717382999672874 | 0.5320536437954435 | 0.5320536437954435 | 0.861550904756115 | 0.861550904756115 | 0.2897028322079075 Liquidité en % de l'actif | 0.548494071817242 | 0.48971225824544873 | 0.44166275556679513 | 0.525036784965747 | 0.40554886445862753 | 0.41819868659361553 | 0.45192048147162867 | 0.3425582492577238 | 0.3425582492577238 | 0.8378988735149459 | 0.8378988735149459 | 0.4569444462309224 Liquidité en % des dépôts | 0.6911588020290127 | 0.565599030155895 | 0.5814671512015094 | 0.6395465465655208 | 0.4903252220452886 | 0.5265924073552424 | 0.56285707879474 | 0.5485392412750612 | 0.5485392412750612 | 1.0087589833440105 | 1.0087589833440105 | 0.5717077331263737 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46724434.06741067 | BNC | 8000000 | UNIBK | 26443577.17437 | UNIBK | 16094848.0176 SOGEBK | 27873944.49557 | UNIBK | 2025000 | SOGEBK | 21269509.718200002 | SOGEBK | 5599180.662749998 BNC | 23765741 | SOGEBK | 700000 | BNC | 13593650 | BNC | 4899094 CAPITALBK | 10051299 | BUH | 500000 | BUH | 7818230.427052463 | CAPITALBK | 1684653 BUH | 6492454.777310859 | BPH | 225000 | CAPITALBK | 7211596 | BUH | 1292297.32886 CBNA | 4899169 | CAPITALBK | 171834 | SOGEBL | 3951365.913364 | SOGEBL | 633852.7421299999 SOGEBL | 2414704.64167 | CBNA | 49967 | BPH | 740867.47437 | CBNA | 378334 BPH | 1350258.17762 | SOGEBL | 0 | CBNA | 597474 | BPH | -41441.04587999999 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2017 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7720608.266 | 137227.50087 | 449110.743461714 | 506300 | 2123951.26676 | 1946365.827485593 | 12883563.604577305 | 42853.75115 | 42853.75115 | 79710 | 79710 | 13006127.355727306 Avoirs à la BRH | 21448956.89774 | 1264344.57729 | 6149845.501019382 | 6932391 | 26657358.09034 | 32596079.75750554 | 95048975.82389492 | 1210652.6864800001 | 1210652.6864800001 | 2973812 | 2973812 | 99233440.51037492 Avoirs à l'étranger | 823674.04171 | 162257.27963 | 0 | 1853105 | 2689589.52957 | 5486138.179536035 | 11014764.030446036 | 13970.19207 | 13970.19207 | 2341113 | 2341113 | 13369847.222516036 Avoirs dans les banques locales | 0 | 0 | 143179.453943912 | 1699 | 6505.75843 | -7.845021457342227e-10 | 151384.2123739112 | 1166516.08428 | 1166516.08428 | 0 | 0 | 1317900.2966539112 Autres liquidités | 231583.06674 | 34338.01446 | 739104.6784002159 | 229360 | 88490.12394 | 791462.8446714389 | 2114338.7282116553 | 24422.72448 | 24422.72448 | 186914 | 186914 | 2325675.452691655 30224822.272189997 | 1598167.37225 | 7481240.376825224 | 9522855 | 31565894.769039996 | 40820046.60919861 | 121213026.39950383 | 2458415.4384600003 | 2458415.4384600003 | 5581549 | 5581549 | 129252990.83796382 Bons B.R.H. | 5123000 | 470000 | 0 | 0 | 225000 | 0 | 5818000 | 0 | 0 | 0 | 0 | 5818000 Bons du Trésor / M.E.F. | 1400000 | 166642.30565 | 0 | 0 | 0 | 491828.94254 | 2058471.24819 | 0 | 0 | 0 | 0 | 2058471.24819 Autres Placements | 9609898.614929998 | 26046.82363 | 372894.224420778 | 1140489 | 16146507.07451 | 30232007.45770801 | 57527843.19519879 | 429478.54691999994 | 429478.54691999994 | 0 | 0 | 57957321.74211879 Portefeuille net | 13591935.38634 | 1011120.33883 | 7876028.323175008 | 7755127 | 21208596.01848 | 26981513.007810004 | 78424320.074635 | 4165633.50705 | 4165633.50705 | 587187 | 587187 | 83177140.581685 Immobilisations | 1782225.1606199995 | 311163.51572 | 520533.6842700001 | 586044 | 2705681.94012 | 2103157.49154 | 8008805.792269999 | 325468.26604 | 325468.26604 | 330528 | 330528 | 8664802.058309998 Autres actifs | 1750920.89829 | 235541.72526 | 161070.80212029198 | 434443 | 2479095.80935 | 2769750.8148342 | 7830823.049854492 | 177706.39054 | 177706.39054 | 32526 | 32526 | 8041055.440394492 63482802.33236999 | 3818682.08134 | 16411767.410811301 | 19438958 | 74330775.6115 | 103398304.32363081 | 280881289.75965214 | 7556702.149010001 | 7556702.149010001 | 6531790 | 6531790 | 294969781.9086621 PASSIF Dépôts À vue | 29579103.693839997 | 1446933.8147200001 | 3678497.0402112994 | 6981693 | 25451485.828617528 | 33792747.061480224 | 100930460.43886906 | 1738766.54973 | 1738766.54973 | 4784106 | 4784106 | 107453332.98859906 Épargne | 14976419.387929998 | 353528.66336 | 2786704.3437564336 | 4011314 | 22922651.71138147 | 31884807.287343316 | 76935425.39377122 | 683801.86462 | 683801.86462 | 357214 | 357214 | 77976441.25839122 À terme | 6544977.90713 | 1492417.85845 | 6186574.666337195 | 5320934 | 14192708.802825214 | 18105039.117121436 | 51842652.351863846 | 2460690.31445 | 2460690.31445 | 37943 | 37943 | 54341285.66631385 51100500.9889 | 3292880.33653 | 12651776.050304927 | 16313941 | 62566846.342824206 | 83782593.46594498 | 229708538.18450415 | 4883258.728800001 | 4883258.728800001 | 5179263 | 5179263 | 239771059.91330412 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1938329.1063899999 | 1938329.1063899999 | 0 | 0 | 0 | 0 | 1938329.1063899999 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1671396.60114 | 162043.5774 | 596730.341796539 | 494546 | 1848738.1106600005 | 3332548.269568963 | 8106002.900565502 | 108026.49785 | 108026.49785 | 944211 | 944211 | 9158240.398415502 1671396.60114 | 162043.5774 | 596730.341796539 | 494546 | 1848738.1106600005 | 5270877.375958962 | 10044332.006955503 | 108026.49785 | 108026.49785 | 944211 | 944211 | 11096569.504805502 Obligations à terme Banques locales | 1070400 | 149999.99992 | 1608257.08345 | 373385 | 1213415.6621400001 | 0 | 4415457.745510001 | 1716218.9782 | 1716218.9782 | 0 | 0 | 6131676.7237100005 Banque à l'étranger | 0 | 0 | 0 | 0 | 704294.00029 | 0 | 704294.00029 | 0 | 0 | 0 | 0 | 704294.00029 Autres | 4106912.4570999998 | 208077.05383 | 71084.451535817 | 70096 | 600047.5461900001 | 453430.917514034 | 5509648.426169851 | 70336.88308 | 70336.88308 | 35871 | 35871 | 5615856.309249851 5177312.4571 | 358077.05374999996 | 1679341.534985817 | 443481 | 2517757.20862 | 453430.917514034 | 10629400.171969851 | 1786555.86128 | 1786555.86128 | 35871 | 35871 | 12451827.033249851 Autres passifs | 854980.41663 | 2660.7460899999996 | 261927.41645855003 | 630719 | 2132398.48467 | 1299617.5340270088 | 5182303.59787556 | 173450.4977299999 | 173450.4977299999 | 0 | 0 | 5355754.09560556 58804190.46377 | 3815661.71377 | 15189775.343545835 | 17882687 | 69065740.1467742 | 90806519.29344499 | 255564573.96130502 | 6951291.58566 | 6951291.58566 | 6159345 | 6159345 | 268675210.546965 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 549088.65917 | 540000 | 1330595 | 3232525 | 8817208.65917 | 200000 | 200000 | 103837 | 103837 | 9121045.65917 Réserves | 490509.017 | 64740.496 | 75378.91922 | 279662 | 1874755.0695 | 2420837.9082299997 | 5205883.409949999 | 251452.08089999997 | 251452.08089999997 | 63865 | 63865 | 5521200.49085 Réserves (Prov. Pour pertes sur prêts) | 157217.06915 | 0 | 93748.95312 | 0 | 0 | 0 | 250966.02227000002 | 0 | 0 | 0 | 0 | 250966.02227000002 Surplus d'apport | 0 | 14325 | 414144.06934 | 1384 | 125897.67262 | 0 | 555750.74196 | 0 | 0 | 0 | 0 | 555750.74196 BNR | 1030885.75774 | -241045.12843 | 89631.46641999998 | 735225 | 1933787.722599999 | 6938422.12045 | 10486906.938779999 | 153958.4828 | 153958.4828 | 204743 | 204743 | 10845608.421579998 4678611.84389 | 3020.367569999973 | 1221992.06727 | 1556271 | 5265035.46472 | 12591785.02868 | 25316715.772129998 | 605410.5636999999 | 605410.5636999999 | 372445 | 372445 | 26294571.335829996 63482802.30766 | 3818682.0813399996 | 16411767.410815835 | 19438958 | 74330775.6114942 | 103398304.32212499 | 280881289.7334351 | 7556702.14936 | 7556702.14936 | 6531790 | 6531790 | 294969781.88279504 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 123167.93713 | 547.674955049 | 123715.61208504901 | 0 | 0 | 0 | 0 | 123715.61208504901 Crédit documentaire | 341213.316 | 0 | 0 | 0 | 1428369.5702 | 1571797.1788139371 | 3341380.065013937 | 0 | 0 | 0 | 0 | 3341380.065013937 Autres | 2116309.91175 | 203466.333166015 | 1559309.544800024 | 171116 | 3837584.7266499996 | 1579792.6691360208 | 9467579.18550206 | 601212.8842099999 | 601212.8842099999 | -757562.20683 | -757562.20683 | 9311229.862882059 Portefeuille brut | 13976793.45937 | 1565554.7878700001 | 7929705.873031712 | 7800254 | 22157362.993809998 | 27263068.859240003 | 80692739.9733217 | 4281302.14185 | 4281302.14185 | 587187 | 587187 | 85561229.1151717 Provisions pour créances douteuses | 384858.07302999997 | 554434.44904 | 53677.549856704 | 45127 | 948766.97533 | 281555.85143000004 | 2268419.898686704 | 115668.6348 | 115668.6348 | 0 | 0 | 2384088.5334867043 Portefeuille de crédit improductif | 997082.54785 | 731679.814694684 | 50853.36287324799 | 66850 | 796964 | 130730.37436999999 | 2774160.099787932 | 366312.20177 | 366312.20177 | 0 | 0 | 3140472.301557932 Dépôts US convertis | 21185728 | 1520065.03864 | 8107416.2889783 | 11272143 | 39189592.84966679 | 66808768.472785726 | 148083713.65007082 | 3352471.66432 | 3352471.66432 | 4175420 | 4175420 | 155611605.3143908 Immobilisation /A | 0.3809303314929799 | 103.02173775491929 | 0.42597141029966096 | 0.37656937641323396 | 0.5138962421526426 | 0.16702615925777717 | 0.3163445789870787 | 0.5375992517389898 | 0.5375992517389898 | 0.8874545234866893 | 0.8874545234866893 | 0.3295281732356293 Liquidité en % de l'actif | 0.5788626355811047 | 0.5852306189144164 | 0.45584611270428643 | 0.48988505453841713 | 0.4276949151613791 | 0.39954113195546015 | 0.4595873856822385 | 0.32532914358442405 | 0.32532914358442405 | 0.8545205831785774 | 0.8545205831785774 | 0.46489325516271424 Liquidité en % des dépôts | 0.7191284148108905 | 0.6786792866742972 | 0.5913193805422216 | 0.583724987113782 | 0.5081108706494057 | 0.4930842295844017 | 0.5619708290686517 | 0.5034374738248049 | 0.5034374738248049 | 1.0776724410403564 | 1.0776724410403564 | 0.57191832131758 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 40820046.60919861 | BNC | 5123000 | UNIBK | 26981513.007810004 | UNIBK | 12591785.02868 SOGEBK | 31565894.769039996 | BPH | 470000 | SOGEBK | 21208596.01848 | SOGEBK | 5265035.46472 BNC | 30224822.272189997 | SOGEBK | 225000 | BNC | 13591935.38634 | BNC | 4678611.84389 CAPITALBK | 9522855 | CAPITALBK | 0 | BUH | 7876028.323175008 | CAPITALBK | 1556271 BUH | 7481240.376825224 | CBNA | 0 | CAPITALBK | 7755127 | BUH | 1221992.06727 CBNA | 5581549 | UNIBK | 0 | SOGEBL | 4165633.50705 | SOGEBL | 605410.5636999999 SOGEBL | 2458415.4384600003 | BUH | 0 | BPH | 1011120.33883 | CBNA | 372445 BPH | 1598167.37225 | SOGEBL | 0 | CBNA | 587187 | BPH | 3020.367569999973 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2016 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7078993.744 | 127789.60646 | 589460.337957808 | 448782 | 2808328.77204 | 2138890.267340015 | 13192244.727797825 | 52972.21194 | 52972.21194 | 60129 | 120855 | 180984 | 13426200.939737825 Avoirs à la BRH | 17364382.190410003 | 999327.5172700001 | 5139154.28615508 | 5963826 | 24239466.10655 | 27829300.15668352 | 81535456.2570686 | 1216117.41803 | 1216117.41803 | 3950016 | 3148403 | 7098419 | 89849992.6750986 Avoirs à l'étranger | 1094957.2488 | 161763.99172 | 432086.789638848 | 1647501 | 1303720.70946 | 2426133.452227305 | 7066163.191846153 | 4589.09092 | 4589.09092 | 265139 | 1354438 | 1619577 | 8690329.282766152 Avoirs dans les banques locales | 0 | 0 | 14861.30772696 | 933 | 2728.25494 | 0 | 18522.56266696 | 785076.45987 | 785076.45987 | 0 | 0 | 0 | 803599.02253696 Autres liquidités | 192549.36944000004 | 37606.66916 | 14863.868736784 | 230988 | 112277.93193000002 | 971104.985121802 | 1559390.824388586 | 15307.381010000001 | 15307.381010000001 | 166497 | 89147 | 255644 | 1830342.2053985859 25730882.55265 | 1326487.7846100002 | 6190426.59021548 | 8292030 | 28466521.774920005 | 33365428.861372642 | 103371777.56376812 | 2074062.5617700003 | 2074062.5617700003 | 4441781 | 4712843 | 9154624 | 114600464.12553813 Bons B.R.H. | 8650000 | 776000 | 0 | 396791 | 425000 | 0 | 10247791 | 0 | 0 | 99950 | 0 | 99950 | 10347741 Bons du Trésor / M.E.F. | 1400000 | 181223.20292 | 0 | 0 | 0 | 538511.83679 | 2119735.03971 | 0 | 0 | 0 | 0 | 0 | 2119735.03971 Autres Placements | 8756662.852840003 | 25311.49003 | 396962.147357864 | 1151594 | 17290537.05805 | 27757422.668712165 | 55378490.21699003 | 2406477.1714 | 2406477.1714 | 0 | 0 | 0 | 57784967.388390034 Portefeuille net | 12680024.04587 | 1048551.42491 | 7050399.810845597 | 7431185 | 21683571.517899998 | 24829952.26824 | 74723684.0677656 | 4110579.8190500005 | 4110579.8190500005 | 662576 | 2044064 | 2706640 | 81540903.8868156 Immobilisations | 1867214.0200299998 | 313177.76937 | 538433.42716 | 564850 | 2678828.43975 | 2100118.6361100003 | 8062622.29242 | 311956.61313 | 311956.61313 | 333343 | 84169 | 417512 | 8792090.90555 Autres actifs | 1744147.24042 | 232433.0241 | 176839.285756008 | 588512 | 2414464.65133 | 1596155.8972029723 | 6752552.09880898 | 178873.64461999998 | 178873.64461999998 | 36029 | -89746 | -53717 | 6877708.74342898 60828930.71181001 | 3903184.6959400005 | 14353061.26133495 | 18424962 | 72958923.44195001 | 90187590.1684278 | 260656652.27946272 | 9081949.809969999 | 9081949.809969999 | 5573679 | 6751330 | 12325009 | 282063611.0894328 PASSIF Dépôts À vue | 28987555.96525 | 1526582.4923999999 | 3104450.41375848 | 6433262 | 23458564.884668484 | 29337345.455783404 | 92847761.21186036 | 1647428.06889 | 1647428.06889 | 3959733 | 3819506 | 7779239 | 102274428.28075036 Épargne | 14571692.493189998 | 366989.80152 | 2559050.9637469603 | 3747576 | 21879983.9511383 | 28081313.57025259 | 71206606.77984785 | 693992.77488 | 693992.77488 | 337984 | 1751322 | 2089306 | 73989905.55472785 À terme | 6194488.5404900005 | 1451444.04761 | 5185839.719203088 | 4844258 | 15755464.967027573 | 16606191.474987146 | 50037686.74931781 | 4018327.92888 | 4018327.92888 | 37005 | 340772 | 377777 | 54433791.67819781 49753736.99893 | 3345016.34153 | 10849341.096708529 | 15025096 | 61094013.80283436 | 74024850.50102314 | 214092054.74102604 | 6359748.77265 | 6359748.77265 | 4334722 | 5911600 | 10246322 | 230698125.51367602 Obligations à vue Banques locales | 0 | 0 | 0 | 285000 | 0 | 954652.59725 | 1239652.59725 | 0 | 0 | 0 | 0 | 0 | 1239652.59725 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1203063.72751 | 185705.00805 | 412808.509568672 | 562049 | 1397450.3706300003 | 2089784.45022354 | 5850861.065982212 | 70794.89456 | 70794.89456 | 812089 | 319866 | 1131955 | 7053610.960542212 1203063.72751 | 185705.00805 | 412808.509568672 | 847049 | 1397450.3706300003 | 3044437.04747354 | 7090513.663232213 | 70794.89456 | 70794.89456 | 812089 | 319866 | 1131955 | 8293263.557792213 Obligations à terme Banques locales | 444000 | 162499.99993 | 1636023.33344 | 226561 | 782121.2656 | 0 | 3251205.59897 | 1726039.9167 | 1726039.9167 | 0 | 0 | 0 | 4977245.51567 Banque à l'étranger | 0 | 0 | 0 | 0 | 1127815.0994000002 | 0 | 1127815.0994000002 | 0 | 0 | 0 | 0 | 0 | 1127815.0994000002 Autres | 3696478.76678 | 206957.95355 | 111380.15434239202 | 94783 | 1102386.86689 | 516127.65118324803 | 5728114.39274564 | 90362.83069 | 90362.83069 | 47799 | 48885 | 96684 | 5915161.22343564 4140478.76678 | 369457.95348 | 1747403.487782392 | 321344 | 3012323.2318900004 | 516127.65118324803 | 10107135.09111564 | 1816402.74739 | 1816402.74739 | 47799 | 48885 | 96684 | 12020221.83850564 Autres passifs | 998664.85 | 8606.66971 | 243321.86449968803 | 626014 | 2056238.5166699998 | 1306935.037305311 | 5239780.938184999 | 173350.62456 | 173350.62456 | 1259 | 65745 | 67004 | 5480135.562744999 56095944.34322 | 3908785.97277 | 13252874.958559282 | 16819503 | 67560025.92202437 | 78892350.23698524 | 236529484.43355888 | 8420297.03916 | 8420297.03916 | 5195869 | 6346096 | 11541965 | 256491746.4727189 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 542746.99917 | 540000 | 1330595 | 3233325 | 7311666.99917 | 200000 | 200000 | 103837 | 94373 | 198210 | 7709876.99917 Réserves | 327142.246 | 64740.496 | 53151.246490000005 | 226473 | 1798415.32429 | 654377.60976 | 3124299.9225399997 | 251452.08089999997 | 251452.08089999997 | 61225 | 47186 | 108411 | 3484163.0034399997 Réserves (Prov. Pour pertes sur prêts) | 159708.82656000002 | 0 | 84645.93348 | 0 | 0 | 0 | 244354.76004000002 | 0 | 0 | 0 | 25933 | 25933 | 270287.76004 Surplus d'apport | 0 | 14325 | 373948.88833999995 | 1384 | 125897.67262 | 0 | 515555.5609599999 | 0 | 0 | 0 | 0 | 0 | 515555.5609599999 BNR | 2746135.2961 | -249666.77283 | 45693.235349999995 | 837602 | 2143989.52301 | 7407537.319060001 | 12931290.60069 | 210200.68967999998 | 210200.68967999998 | 212748 | 237742 | 450490 | 13591981.29037 4732986.36866 | -5601.276830000017 | 1100186.30283 | 1605459 | 5398897.51992 | 11295239.928820001 | 24127167.8434 | 661652.7705799999 | 661652.7705799999 | 377810 | 405234 | 783044 | 25571864.613980003 60828930.711880006 | 3903184.69594 | 14353061.261389282 | 18424962 | 72958923.44194438 | 90187590.16580524 | 260656652.2769589 | 9081949.80974 | 9081949.80974 | 5573679 | 6751330 | 12325009 | 282063611.0866989 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 123451.56952 | 5767.285391336 | 129218.854911336 | 0 | 0 | 0 | 0 | 0 | 129218.854911336 Crédit documentaire | 244450.171 | 0 | 0 | 0 | 1527716.2624000001 | 1055260.1093528161 | 2827426.5427528163 | 0 | 0 | 0 | 71152 | 71152 | 2898578.5427528163 Autres | 2150656.171 | 338881.55855656 | 102781.574883776 | 211084 | 3908603.4265799997 | 628175.882668104 | 7340182.613688439 | 674028.255102 | 674028.255102 | -954648.8684799997 | 1186236 | 231587.1315200003 | 8245798.00031044 Portefeuille brut | 13157609.62294 | 1597025.3201799998 | 7104534.7173067 | 7492724 | 22619766.225759998 | 25091726.39871 | 77063386.2848967 | 4219809.715530001 | 4219809.715530001 | 662576 | 2114060 | 2776636 | 84059832.00042671 Provisions pour créances douteuses | 477585.57707 | 548473.89527 | 54134.90646110401 | 61539 | 936194.70786 | 261774.13047 | 2339702.217131104 | 109229.89648 | 109229.89648 | 0 | 69996 | 69996 | 2518928.113611104 Portefeuille de crédit improductif | 639174.419 | 680584.3940036639 | 55500.460010471994 | 65861 | 762153 | 12509.777940000002 | 2215783.0509541356 | 529087.4604 | 529087.4604 | 0 | 128695 | 128695 | 2873565.5113541353 Dépôts US convertis | 22288435.23879 | 1784556.0548100001 | 6868971.067668528 | 11334024 | 42095786.36407436 | 50163988.93282313 | 134535761.65816602 | 5080523.45405 | 5080523.45405 | 2726740 | 3500837 | 6227577 | 145843862.11221603 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 33365428.861372642 | BNC | 8650000 | UNIBK | 24829952.26824 | UNIBK | 11295239.928820001 SOGEBK | 28466521.774920005 | BPH | 776000 | SOGEBK | 21683571.517899998 | SOGEBK | 5398897.51992 BNC | 25730882.55265 | SOGEBK | 425000 | BNC | 12680024.04587 | BNC | 4732986.36866 CAPITALBK | 8292030 | CAPITALBK | 396791 | CAPITALBK | 7431185 | CAPITALBK | 1605459 BUH | 6190426.59021548 | CBNA | 99950 | BUH | 7050399.810845597 | BUH | 1100186.30283 SCOTIA | 4712843 | UNIBK | 0 | SOGEBL | 4110579.8190500005 | SOGEBL | 661652.7705799999 CBNA | 4441781 | BUH | 0 | SCOTIA | 2044064 | SCOTIA | 405234 SOGEBL | 2074062.5617700003 | SCOTIA | 0 | BPH | 1048551.42491 | CBNA | 377810 BPH | 1326487.7846100002 | SOGEBL | 0 | CBNA | 662576 | BPH | -5601.276830000017 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2016 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8085458.86272 | 146651.21622 | 387879.38370987197 | 483307 | 2247354.50227 | 1464313.4921792662 | 12814964.457099136 | 32876.646459999996 | 32876.646459999996 | 90232 | 90909 | 181141 | 13028982.103559136 Avoirs à la BRH | 17680736.87568 | 1292484.57736 | 4346531.398423185 | 5737111 | 23694209.69418 | 27048046.203845344 | 79799119.74948853 | 1101993.94706 | 1101993.94706 | 3151544 | 3048613 | 6200157 | 87101270.69654854 Avoirs à l'étranger | 829503.02621 | 24158.03431 | 450572.96267541597 | 1526659 | 1657998.83801 | 1551959.0058798597 | 6040850.867085275 | 6106.41099 | 6106.41099 | 662257 | 1300841 | 1963098 | 8010055.278075275 Avoirs dans les banques locales | 0 | 0 | 206162.07681047998 | 762 | 2645.03938 | 0.5135672332618175 | 209569.62975771324 | 356306.96691 | 356306.96691 | 0 | 0 | 0 | 565876.5966677133 Autres liquidités | 529923.70989 | 53003.8307 | 915.3793076000001 | 160484 | 114385.1936 | 640565.204853264 | 1499277.318350864 | 30318.967380000002 | 30318.967380000002 | 140392 | 132799 | 273191 | 1802787.2857308642 27125622.474499997 | 1516297.6585900001 | 5392061.2009265525 | 7908323 | 27716593.26744 | 30704884.420324966 | 100363782.02178153 | 1527602.9388 | 1527602.9388 | 4044425 | 4573162 | 8617587 | 110508971.96058153 Bons B.R.H. | 8550000 | 520000 | 0 | 229280 | 450000 | 0 | 9749280 | 0 | 0 | 717660 | 0 | 717660 | 10466940 Bons du Trésor / M.E.F. | 1400000 | 195804.10019 | 0 | 0 | 0 | 585194.73104 | 2180998.8312299997 | 0 | 0 | 0 | 0 | 0 | 2180998.8312299997 Autres Placements | 7424434.975090001 | 37721.18637 | 421099.653130112 | 1077041 | 16171370.873690002 | 26884592.744854473 | 52016260.433134586 | 2365402.87076 | 2365402.87076 | 0 | 0 | 0 | 54381663.30389459 Portefeuille net | 12070989.83093 | 1083400.16735 | 6260595.229417007 | 7139923 | 21239380.97674 | 24839199.19299 | 72633488.39742701 | 4095844.532667 | 4095844.532667 | 744549 | 2012504 | 2757053 | 79486385.930094 Immobilisations | 1853226.9670299997 | 315400.18067000003 | 545637.47267 | 513620 | 2605701.3763200003 | 1905794.4704099998 | 7739380.467099999 | 288440.87075 | 288440.87075 | 336196 | 100641 | 436837 | 8464658.337849999 Autres actifs | 1740679.9426099998 | 36449.41872 | 168866.35615540008 | 244092 | 2255392.3790499996 | 1240081.660069248 | 5685561.756604647 | 159276.2775299999 | 159276.2775299999 | 5010 | 16115 | 21125 | 5865963.034134647 60164954.19016 | 3705072.71189 | 12788259.91229907 | 17112279 | 70438438.87324001 | 86159747.21968868 | 250368751.90727776 | 8436567.490507 | 8436567.490507 | 5847840 | 6702422 | 12550262 | 271355581.39778477 PASSIF Dépôts À vue | 29560291.305030003 | 1553008.29211 | 2791395.43309088 | 6045670 | 21569671.20947007 | 28337570.484993607 | 89857606.72469455 | 1451241.3418 | 1451241.3418 | 4047601 | 3743014 | 7790615 | 99099463.06649455 Épargne | 13408578.313669998 | 349391.42669999995 | 2543540.021496704 | 3580489 | 21041967.37972573 | 26238291.68289642 | 67162257.82448885 | 625973.66186 | 625973.66186 | 363045 | 1815518 | 2178563 | 69966794.48634885 À terme | 5955359.23224 | 1455748.3975 | 4185222.9343464077 | 4706458 | 15601913.954013113 | 15636281.188554617 | 47540983.70665414 | 3920398.83952 | 3920398.83952 | 46567 | 341556 | 388123 | 51849505.54617414 48924228.85094 | 3358148.11631 | 9520158.388933992 | 14332617 | 58213552.54320891 | 70212143.35644464 | 204560848.25583753 | 5997613.84318 | 5997613.84318 | 4457213 | 5900088 | 10357301 | 220915763.09901753 Obligations à vue Banques locales | 0 | 0 | 0 | 232976 | 0 | 880532.45646 | 1113508.45646 | 0 | 0 | 360000 | 0 | 360000 | 1473508.45646 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 687247.888766208 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 Autres | 2010947.7527799997 | 158807.11024 | 426686.13899043994 | 365337 | 1401479.525 | 1655901.865180896 | 6019159.392191335 | 104794.04464 | 104794.04464 | 613369 | 320949 | 934318 | 7058271.436831335 2010947.7527799997 | 158807.11024 | 426686.13899043994 | 598313 | 1401479.525 | 3223682.210407104 | 7819915.737417542 | 104794.04464 | 104794.04464 | 973369 | 320949 | 1294318 | 9219027.782057542 Obligations à terme Banques locales | 198000 | 174999.99994 | 1415303.33342 | 0 | 712829.73018 | 0 | 2501133.06354 | 1445444.6667 | 1445444.6667 | 0 | 0 | 0 | 3946577.73024 Banque à l'étranger | 0 | 0 | 0 | 0 | 1682965.0831100002 | 0 | 1682965.0831100002 | 0 | 0 | 0 | 0 | 0 | 1682965.0831100002 Autres | 3575140.79943 | 16195.531869999999 | 119459.75453243201 | 88943 | 1070448.7120100001 | 555270.291067928 | 5425458.088910361 | 88800.62738 | 88800.62738 | 38212 | 42741 | 80953 | 5595211.716290361 3773140.79943 | 191195.53181000001 | 1534763.087952432 | 88943 | 3466243.5253 | 555270.291067928 | 9609556.235560361 | 1534245.29408 | 1534245.29408 | 38212 | 42741 | 80953 | 11224754.529640362 Autres passifs | 1010026.04205 | 9934.49585 | 274827.0183998 | 566298 | 2087807.1198 | 1235305.7456866088 | 5184198.421786409 | 162543.19188 | 162543.19188 | 2178 | 57072 | 59250 | 5405991.613666409 55718343.44519999 | 3718085.25421 | 11756434.634276662 | 15586171 | 65169082.713308915 | 75226401.60360628 | 227174518.65060186 | 7799196.37378 | 7799196.37378 | 5470972 | 6320850 | 11791822 | 246765537.02438188 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 539184.99917 | 540000 | 1330595 | 3234712.5 | 7309492.49917 | 200000 | 200000 | 103837 | 94373 | 198210 | 7707702.49917 Réserves | 327142.246 | 64740.496 | 57070.248 | 222733 | 1563251.29725 | 648776.90215 | 2883714.1894 | 223078.9839 | 223078.9839 | 64834 | 87074 | 151908 | 3258701.1733 Réserves (Prov. Pour pertes sur prêts) | 159708.82656000002 | 0 | 67840.98040999999 | 0 | 0 | 0 | 227549.80697 | 0 | 0 | 0 | 25462 | 25462 | 253011.80697 Surplus d'apport | 0 | 14325 | 346520.79623000004 | 1384 | 125897.67262 | 0 | 488127.46885000006 | 0 | 0 | 0 | 0 | 0 | 488127.46885000006 BNR | 2459759.67556 | -257078.03832 | 21208.254140000034 | 761991 | 2249612.190060001 | 7049856.215559999 | 12285349.297 | 214292.13356 | 214292.13356 | 208197 | 174663 | 382860 | 12882501.43056 4446610.74812 | -13012.542320000008 | 1031825.27795 | 1526108 | 5269356.15993 | 10933345.61771 | 23194233.26139 | 637371.11746 | 637371.11746 | 376868 | 381572 | 758440 | 24590044.378849998 60164954.19331999 | 3705072.71189 | 12788259.912226662 | 17112279 | 70438438.87323892 | 86159747.22131628 | 250368751.91199183 | 8436567.49124 | 8436567.49124 | 5847840 | 6702422 | 12550262 | 271355581.40323186 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 111401.26890000001 | 271.457874491 | 111672.726774491 | 0 | 0 | 0 | 0 | 0 | 111672.726774491 Crédit documentaire | 196610.4 | 0 | 0 | 0 | 1115041.48352 | 1022605.422937896 | 2334257.306457896 | 0 | 0 | 0 | 65193 | 65193 | 2399450.306457896 Autres | 1725729.7650000001 | 238690.841050216 | 91104.716427712 | 123434 | 4345757.98061 | 591566.379731576 | 7116283.682819504 | 597211.68542 | 597211.68542 | -1111258 | 933815 | -177443 | 7536052.368239504 Portefeuille brut | 12541336.939 | 1625694.58353 | 6312831.975697439 | 7193246 | 22150423.64859 | 25091895.702 | 74915428.84881744 | 4182810.581047 | 4182810.581047 | 744549 | 2094335 | 2838884 | 81937123.42986444 Provisions pour créances douteuses | 470347.10806999996 | 542294.41618 | 52236.746280432 | 53323 | 911042.67185 | 252696.50901 | 2281940.451390432 | 86966.04838 | 86966.04838 | 0 | 81831 | 81831 | 2450737.4997704322 Portefeuille de crédit improductif | 559665.132 | 613196.962776768 | 43366.456848248 | 85055 | 726965 | 174164.35942000002 | 2202412.911045016 | 435380.44466000004 | 435380.44466000004 | 0 | 143923 | 143923 | 2781716.355705016 Dépôts US convertis | 22113567.72763 | 1734437.25441 | 5917046.689783992 | 10865099 | 39652302.116298914 | 47334513.81060464 | 127616966.59872755 | 4734873.09525 | 4734873.09525 | 3151252 | 3141907 | 6293159 | 138644998.69397753 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 30704884.420324966 | BNC | 8550000 | UNIBK | 24839199.19299 | UNIBK | 10933345.61771 SOGEBK | 27716593.26744 | CBNA | 717660 | SOGEBK | 21239380.97674 | SOGEBK | 5269356.15993 BNC | 27125622.474499997 | BPH | 520000 | BNC | 12070989.83093 | BNC | 4446610.74812 CAPITALBK | 7908323 | SOGEBK | 450000 | CAPITALBK | 7139923 | CAPITALBK | 1526108 BUH | 5392061.2009265525 | CAPITALBK | 229280 | BUH | 6260595.229417007 | BUH | 1031825.27795 SCOTIA | 4573162 | UNIBK | 0 | SOGEBL | 4095844.532667 | SOGEBL | 637371.11746 CBNA | 4044425 | BUH | 0 | SCOTIA | 2012504 | SCOTIA | 381572 SOGEBL | 1527602.9388 | SCOTIA | 0 | BPH | 1083400.16735 | CBNA | 376868 BPH | 1516297.6585900001 | SOGEBL | 0 | CBNA | 744549 | BPH | -13012.542320000008 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 12 ] 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 | 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 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 | 15609345 | 674886.15438 | 1412576.78263281 | 3573548 | 21304801.07 | 22793481.997474585 | 65368639.004487395 | 2317515.34401 | 2317515.34401 | 2910589 | 1358864 | 4269453 | 71955607.34849739 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. BNC | 21667082.723 | SOGEBK | 599999.605 | SOGEBK | 16211855.77159 | UNIBK | 4351425.26025 SOGEBK | 13924600.3357 | BNC | 3397881 | UNIBK | 17174851.66467 | SOGEBK | 2990988.828800001 UNIBK | 21225428.24244403 | UNIBK | 1791680.1 | BNC | 6347999.1491 | BNC | 2191393.077 CAPITALBK | 3945127 | BUH | 0 | CAPITALBK | 4108729 | CAPITALBK | 747194 CBNA | 3220148 | CAPITALBK | 80000 | SCOTIA | 2086555 | SOGEBL | 419892.20834 SCOTIA | 2798518 | CBNA | 399899 | SOGEBL | 2089734.9150224 | CBNA | 232986 SOGEBL | 1962312.5069 | BPH | 0 | CBNA | 1584777 | SCOTIA | 203901 BUH | 1592861.0819041163 | SCOTIA | 0 | BUH | 1384144.9737510919 | BPH | 6936.68561 BPH | 948041.79408 | SOGEBL | 0 | BPH | 871518.50167 | BUH | -227510.43452 [bilsysbansept. 11] 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 | 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 0 Portefeuille brut | 4143937.3332700003 | 688058.56169 | 1209091.197351708 | 3342503 | 11928394.60496 | 13196317.68852 | 34508302.385791704 | 1796790.877043 | 1796790.877043 | 1799066 | 1971431 | 3770497 | 40075590.262834705 Provisions pour créances douteuses | 392794.71499999997 | 262261.2443 | 85134.18369837 | 37812 | 281215.75762 | 52787.33426 | 1112005.2348783698 | 79586.54066 | 79586.54066 | 39156 | 147538 | 186694 | 1378285.7755383698 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 | 7797930 | 671682.6 | 1249080.2000000002 | 2777183 | 17897710.200000003 | 16869755.7 | 47263341.7 | 2253304 | 2253304 | 2279642 | 833814 | 3113456 | 52630101.7 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. SOGEBK | 14481169.299639996 | BNC | 3847999.5 | SOGEBK | 11647178.84734 | UNIBK | 3753797.44284 UNIBK | 20037807.591017798 | SOGEBK | 1425000 | UNIBK | 13143530.35426 | SOGEBK | 2597959.30932 BNC | 21789183.261 | UNIBK | 350000 | BNC | 3751142.6182700004 | BNC | 1866186.4174799998 CAPITALBK | 3570272 | CBNA | 384920 | CAPITALBK | 3304691 | CAPITALBK | 628467 CBNA | 2804386 | BPH | 170000 | SCOTIA | 1823893 | SOGEBL | 406399.44513999997 SOGEBL | 1994597.77048 | BUH | 0 | CBNA | 1759910 | CBNA | 215001 SCOTIA | 2546779 | CAPITALBK | 0 | SOGEBL | 1717204.336383 | SCOTIA | 215543 BUH | 1941465.5635699881 | SCOTIA | 150000 | BUH | 1123957.013653338 | BPH | 3885.2188599999936 BPH | 796204.0543 | SOGEBL | 0 | BPH | 425797.31739 | BUH | -182804.39168 BICH | #REF! | BICH | #REF! [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 | SOUS-TOTAL | SYSTÈME TRIM 2 2020 (Janv. -Mars. 20) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 521848.4 | 11388.38169 | 468344.52691 | 441620 | 873240.87996 | 895026.89996 | 3211469.08852 | 152560.99121 | 152560.99121 | 19812 | 19812 | 3383842.0797300003 Intérêts sur Bons B.R.H. | 220345.4 | 28573.260009999998 | 15573.53846 | 6102 | 25475.90385 | 25613.94193 | 321684.04425000004 | 0 | 0 | 0 | 0 | 321684.04425000004 Autres | 432408.9999899999 | 20334.53153 | 11399.571080000002 | 19495 | 133594.45252000002 | 162370.94041 | 779603.49553 | 4035.3846800000006 | 4035.3846800000006 | 3158 | 3158 | 786796.88021 1174602.79999 | 60296.17323 | 495317.63645000005 | 467217 | 1032311.2363300001 | 1083011.7822999998 | 4312756.6283 | 156596.37589 | 156596.37589 | 22970 | 22970 | 4492323.004190001 Dépenses d'intérêt | 187535.75999999998 | 19561.35682 | 124783.21081 | 136113 | 255594.01818 | 268395.82382 | 991983.1696300001 | 43644.64055 | 43644.64055 | 657 | 657 | 1036284.8101800001 987067.03999 | 40734.81641 | 370534.42564000003 | 331104 | 776717.2181500001 | 814615.9584799998 | 3320773.4586699996 | 112951.73534 | 112951.73534 | 22313 | 22313 | 3456038.1940100007 AUTRES REVENUS Commissions | 154154.2 | 2807.09533 | 99206.83731 | 199874 | 355363.95969000005 | 372722.37155000004 | 1184128.4638800002 | 7809.261039999999 | 7809.261039999999 | 20913 | 20913 | 1212850.7249200002 Gains sur change | 65286 | 4330.2479 | 29819.83400000033 | 55091 | 134393.70087 | 203459.23054999998 | 492380.0133200003 | 5298.04897 | 5298.04897 | 26657 | 26657 | 524335.0622900003 Autres | 27103.95 | 624.1448800000001 | 51514.45046 | 135229 | 176841.31488667103 | 663462.40836 | 1054775.268586671 | 4334.951940000001 | 4334.951940000001 | 10622 | 10622 | 1069732.220526671 246544.15000000002 | 7761.48811 | 180541.12177000032 | 390194 | 666598.975446671 | 1239644.01046 | 2731283.7457866715 | 17442.26195 | 17442.26195 | 58192 | 58192 | 2806918.0077366717 PRODUIT NET BANCAIRE | 1233611.1899899999 | 48496.30452 | 551075.5474100003 | 721298 | 1443316.193596671 | 2054259.9689399998 | 6052057.204456671 | 130393.99729 | 130393.99729 | 80505 | 80505 | 6262956.201746672 Dotation à la provision pour créances douteuses | 150000 | 6000 | 40530.58921 | 20389 | 139188.53673 | 56028.28 | 412136.40593999997 | 7577.840399999999 | 7577.840399999999 | 0 | 0 | 419714.24633999995 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1083611.1899899999 | 42496.30452 | 510544.95820000034 | 700909 | 1304127.656866671 | 1998231.6889399998 | 5639920.798516671 | 122816.15689 | 122816.15689 | 80505 | 80505 | 5843241.955406672 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 393303.5 | 23891.83217 | 151568.66691 | 150686 | 489557.92056999996 | 594572.4707 | 1803580.39035 | 32432.88436 | 32432.88436 | 26676 | 26676 | 1862689.27471 Frais de locaux | 37536 | 5263.33242 | 63257.106270000004 | 63617 | 47530.26689 | 71489.83071000001 | 288693.53629 | 11566.00734 | 11566.00734 | 7562 | 7562 | 307821.54363000003 Amortissement | 22100.5 | 3538.6902 | 28878.132579999998 | 24240 | 71022.86575 | 101991.93049999999 | 251772.11902999997 | 4142.234 | 4142.234 | 4643 | 4643 | 260557.35302999997 Autres dépenses d'exploitation | 164480.65334000002 | 11913.472170000001 | 101690.16495 | 212269 | 413537.34057 | 509002.88151 | 1412893.51254 | 24591.44106 | 24591.44106 | 37363 | 37363 | 1474847.9536000001 617420.65334 | 44607.326960000006 | 345394.07071 | 450812 | 1021648.3937799999 | 1277057.1134199998 | 3756939.55821 | 72732.56676 | 72732.56676 | 76244 | 76244 | 3905916.1249700002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 466190.5366499999 | -2111.022440000008 | 165150.88749000034 | 250097 | 282479.2630866711 | 721174.57552 | 1882981.2403066712 | 50083.59013 | 50083.59013 | 4261 | 4261 | 1937325.830436672 Impôts sur le revenu | 0 | 0 | 49545.266247000094 | 23892 | 40850 | 55235.065259999996 | 169522.33150700008 | 13522.56934 | 13522.56934 | 1322 | 1322 | 184366.90084700007 BÉNÉFICE NET (PERTE NETTE) | 466190.5366499999 | -2111.022440000008 | 115605.62124300025 | 226205 | 241629.26308667113 | 665939.51026 | 1713458.908799671 | 36561.020789999995 | 36561.020789999995 | 2939 | 2939 | 1752958.929589672 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 2 2019 (Janv. -Mars. 19) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 420967.68 | 13682.59326 | 411508.73572999996 | 409987 | 808881.7437100002 | 935486.5081200001 | 3000514.2608200004 | 130508.08044999998 | 130508.08044999998 | 13656 | 13656 | 3144678.34127 Intérêts sur Bons B.R.H. | 216061 | 19070.80318 | 5111.9230800000005 | 410 | 2933.002780000001 | 2706.5 | 246293.22904 | 0 | 0 | 0 | 0 | 246293.22904 Autres | 296324 | 8183.19212 | 7045.3799831080005 | 23072 | 104408.34762 | 112638.83009 | 551671.749813108 | 5864.945700000001 | 5864.945700000001 | 8697 | 8697 | 566233.695513108 933352.6799999999 | 40936.58856 | 423666.03879310796 | 433469 | 916223.0941100002 | 1050831.8382100002 | 3798479.239673109 | 136373.02615 | 136373.02615 | 22353 | 22353 | 3957205.265823108 Dépenses d'intérêt | 147131 | 15630.289825 | 102470.54235 | 99396 | 198166.55087 | 233917.91650000002 | 796712.2995450001 | 54429.9255 | 54429.9255 | 578 | 578 | 851720.2250450001 786221.6799999999 | 25306.298734999997 | 321195.49644310796 | 334073 | 718056.5432400001 | 816913.9217100001 | 3001766.9401281085 | 81943.10065 | 81943.10065 | 21775 | 21775 | 3105485.040778108 AUTRES REVENUS Commissions | 172535 | 6683.41872 | 74507.00018 | 169406 | 311466.32155000005 | 312615.81637 | 1047213.55682 | 2798.6058700000003 | 2798.6058700000003 | 27367 | 27367 | 1077379.1626900001 Gains sur change | 60869 | 9406.12033 | 50263.40173 | 63667 | 159808.78793 | 241367.08042 | 585381.39041 | 7119.84658 | 7119.84658 | 45669 | 45669 | 638170.23699 Autres | 10999 | 2004.1406 | 34331.23219 | 140810 | 166238.28449000002 | 557278.64106 | 911661.2983400001 | 2112.31819 | 2112.31819 | 3 | 3 | 913776.6165300001 244403 | 18093.67965 | 159101.6341 | 373883 | 637513.3939700001 | 1111261.53785 | 2544256.2455700003 | 12030.77064 | 12030.77064 | 73039 | 73039 | 2629326.0162100005 PRODUIT NET BANCAIRE | 1030624.6799999999 | 43399.978384999995 | 480297.130543108 | 707956 | 1355569.9372100001 | 1928175.45956 | 5546023.185698109 | 93973.87129 | 93973.87129 | 94814 | 94814 | 5734811.056988109 Dotation à la provision pour créances douteuses | 65000 | 4276.35762 | 27587.14409 | 19252 | 126024.95297 | 9950 | 252090.45468 | 2400 | 2400 | 0 | 0 | 254490.45468 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 965624.6799999999 | 39123.62076499999 | 452709.98645310797 | 688704 | 1229544.9842400001 | 1918225.45956 | 5293932.731018108 | 91573.87129 | 91573.87129 | 94814 | 94814 | 5480320.6023081085 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 345105 | 21391.55564 | 120560.29186999999 | 134990 | 439946.21848000004 | 467926.15777 | 1529919.22376 | 29661.82075 | 29661.82075 | 22460 | 22460 | 1582041.04451 Frais de locaux | 25135 | 4059.1491400000004 | 48887.7948866667 | 52606 | 42401.43005000001 | 58456.49240999999 | 231545.86648666672 | 10216.1562 | 10216.1562 | 6136 | 6136 | 247898.02268666672 Amortissement | 24880 | 1751.4627999999998 | 21676.24593 | 21329 | 66030.20363 | 87698.17164 | 223365.08400000003 | 2677.87923 | 2677.87923 | 4476 | 4476 | 230518.96323000002 Autres dépenses d'exploitation | 149916 | 12628.248099999999 | 83920.5379233333 | 187447 | 391627.24763999996 | 450669.20377 | 1276208.2374333334 | 16544.32226 | 16544.32226 | 22632 | 22632 | 1315384.5596933335 545036 | 39830.41568 | 275044.87061 | 396372 | 940005.0998 | 1064750.02559 | 3261038.41168 | 59100.178439999996 | 59100.178439999996 | 55704 | 55704 | 3375842.5901200003 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 420588.67999999993 | -706.7949150000059 | 177665.11584310798 | 292332 | 289539.88444000017 | 853475.4339700001 | 2032894.3193381084 | 32473.69285 | 32473.69285 | 39110 | 39110 | 2104478.012188108 Impôts sur le revenu | 0 | 0 | 53299.534752932406 | 25589 | 60000 | 125459.02609 | 264347.56084293243 | 8767.897069999999 | 8767.897069999999 | 12148 | 12148 | 285263.45791293244 BÉNÉFICE NET (PERTE NETTE) | 420588.67999999993 | -706.7949150000059 | 124365.58109017558 | 266743 | 229539.88444000017 | 728016.4078800001 | 1768546.758495176 | 23705.79578 | 23705.79578 | 26962 | 26962 | 1819214.5542751758 Commissions / salaires | 0.39194718582468757 | 0.11749184030870412 | 0.6545339438058663 | 1.326427139880281 | 0.7258874685884853 | 0.6268745862235899 | 0.6565432127204543 | 0.24078219356990915 | 0.24078219356990915 | 0.7839631129104814 | 0.7839631129104814 | 0.6511288497695503 marge nette en % revenus d'intérêts | 0.8403411263777026 | 0.6755788009069311 | 0.7480743635451061 | 0.7086728436679316 | 0.7524060485007702 | 0.7521764507030515 | 0.7699886047080241 | 0.7212921416479149 | 0.7212921416479149 | 0.9713974749673487 | 0.9713974749673487 | 0.7693209483793898 frais d'exploitation en % produit net bancaire | 0.5004985836299077 | 0.9198087854633096 | 0.6267635577976874 | 0.6250010397921525 | 0.7078479395662455 | 0.621662853158241 | 0.6207706621549164 | 0.5577907593264487 | 0.5577907593264487 | 0.9470716104589777 | 0.9470716104589777 | 0.6236537505851759 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net BNC | 1174602.79999 | CBNA | 0.9713974749673487 | UNIBK | 1239644.01046 | BNC | 0.5004985836299077 | UNIBK | 1277057.1134199998 | UNIBK | 665939.51026 UNIBK | 1083011.7822999998 | BNC | 0.8403411263777026 | SOGEBK | 666598.975446671 | SOGEBL | 0.5577907593264487 | SOGEBK | 1021648.3937799999 | BNC | 466190.5366499999 SOGEBK | 1032311.2363300001 | SOGEBK | 0.7524060485007702 | CAPITALBK | 390194 | UNIBK | 0.621662853158241 | BNC | 617420.65334 | SOGEBK | 241629.26308667113 BUH | 495317.63645000005 | UNIBK | 0.7521764507030515 | BNC | 246544.15000000002 | CAPITALBK | 0.6250010397921525 | CAPITALBK | 450812 | CAPITALBK | 226205 CAPITALBK | 467217 | BUH | 0.7480743635451061 | BUH | 180541.12177000032 | BUH | 0.6267635577976874 | BUH | 345394.07071 | BUH | 115605.62124300025 SOGEBL | 156596.37589 | SOGEBL | 0.7212921416479149 | CBNA | 58192 | SOGEBK | 0.7078479395662455 | CBNA | 76244 | SOGEBL | 36561.020789999995 BPH | 60296.17323 | CAPITALBK | 0.7086728436679316 | SOGEBL | 17442.26195 | BPH | 0.9198087854633096 | SOGEBL | 72732.56676 | CBNA | 2939 CBNA | 22970 | BPH | 0.6755788009069311 | BPH | 7761.48811 | CBNA | 0.9470716104589777 | BPH | 44607.326960000006 | BPH | -2111.022440000008 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 [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 | SOUS-TOTAL | SYSTÈME CUMUL 2020 (Octobre 19 - Mars 20) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1063528.5 | 20831.319779999998 | 1003322.49191 | 912639 | 1905836.1466 | 1909355.27466 | 6815512.73295 | 297005.01817000005 | 297005.01817000005 | 39411 | 39411 | 7151928.75112 Intérêts sur Bons B.R.H. | 367817.19999999995 | 59194.70649 | 19386.83517 | 10199 | 29705.44231 | 33289.94193 | 519593.1259 | 0 | 0 | 0 | 0 | 519593.1259 Autres | 1009591.8999899998 | 47099.914730000004 | 14684.745680000002 | 35169 | 224388.02275 | 278231.89121000003 | 1609165.4743599999 | 8452.47121 | 8452.47121 | 8028 | 8028 | 1625645.94557 2440937.59999 | 127125.941 | 1037394.07276 | 958007 | 2159929.61166 | 2220877.1078000003 | 8944271.33321 | 305457.48938000004 | 305457.48938000004 | 47439 | 47439 | 9297167.82259 Dépenses d'intérêt | 393194.292 | 38816.45196 | 258000.60736999998 | 288801 | 541879.80654 | 618043.61605 | 2138735.77392 | 88737.48989 | 88737.48989 | 1284 | 1284 | 2228757.26381 2047743.3079900001 | 88309.48904000001 | 779393.46539 | 669206 | 1618049.80512 | 1602833.4917500005 | 6805535.559290001 | 216719.99949000005 | 216719.99949000005 | 46155 | 46155 | 7068410.5587800015 AUTRES REVENUS Commissions | 290724.1 | 9296.949120000001 | 159785.63052 | 410648 | 687833.3109 | 710910.46475 | 2269198.45529 | 12100.32066 | 12100.32066 | 43161 | 43161 | 2324459.77595 Gains sur change | 119304.9 | 11535.648980000002 | 72007.56750000032 | 107102 | 287395.91764 | 366127.93742 | 963473.9715400003 | 10508.857250000001 | 10508.857250000001 | 43156 | 43156 | 1017138.8287900003 Autres | 40428.45 | 1964.4285300000001 | 96814.11138000002 | 304780 | 286108.58172787103 | 690329.31472 | 1420424.886357871 | 8213.84588 | 8213.84588 | 27756 | 27756 | 1456394.7322378708 450457.45 | 22797.026630000004 | 328607.3094000004 | 822530 | 1261337.810267871 | 1767367.7168900003 | 4653097.313187871 | 30823.02379 | 30823.02379 | 114073 | 114073 | 4797993.336977871 PRODUIT NET BANCAIRE | 2498200.7579900003 | 111106.51567000002 | 1108000.7747900004 | 1491736 | 2879387.615387871 | 3370201.208640001 | 11458632.872477872 | 247543.02328000005 | 247543.02328000005 | 160228 | 160228 | 11866403.895757873 Dotation à la provision pour créances douteuses | 300000 | 12000 | 85424.98594 | 41852 | 361805.93923 | 111324.777 | 912407.70217 | 14997.93658 | 14997.93658 | 0 | 0 | 927405.6387499999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2198200.7579900003 | 99106.51567000002 | 1022575.7888500004 | 1449884 | 2517581.676157871 | 3258876.431640001 | 10546225.170307873 | 232545.08670000004 | 232545.08670000004 | 160228 | 160228 | 10938998.257007873 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 801417.9 | 46011.37022 | 282781.927 | 294448 | 975825.03461 | 1120838.44711 | 3521322.67894 | 60735.301269999996 | 60735.301269999996 | 52472 | 52472 | 3634529.98021 Frais de locaux | 66968 | 11436.20596 | 120319.95512 | 123709 | 94201.69599000001 | 138416.55138000002 | 555051.40845 | 23573.42595 | 23573.42595 | 15341 | 15341 | 593965.8343999999 Amortissement | 44832.5 | 7055.18354 | 56303.9114 | 48029 | 143024.91071999999 | 195833.51129999998 | 495079.0169599999 | 8251.559560000002 | 8251.559560000002 | 9249 | 9249 | 512579.57651999994 Autres dépenses d'exploitation | 329126.78334 | 25448.26853 | 204255.20542 | 412598 | 791090.23039 | 950964.84642 | 2713483.3341 | 43420.056070000006 | 43420.056070000006 | 86462 | 86462 | 2843365.39017 1242345.18334 | 89951.02825 | 663660.9989400001 | 878784 | 2004141.87171 | 2406053.35621 | 7284936.438449999 | 135980.34285000002 | 135980.34285000002 | 163524 | 163524 | 7584440.781299999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 955855.5746500003 | 9155.48742000002 | 358914.7899100003 | 571100 | 513439.8044478707 | 852823.0754300011 | 3261288.7318578735 | 96564.74385000003 | 96564.74385000003 | -3296 | -3296 | 3354557.4757078737 Impôts sur le revenu | 0 | 0 | 107674.4369730001 | 54846 | 75750 | 91666.48793999999 | 329936.9249130001 | 26072.48084 | 26072.48084 | -1026 | -1026 | 354983.40575300006 BÉNÉFICE NET (PERTE NETTE) | 955855.5746500003 | 9155.48742000002 | 251240.35293700016 | 516254 | 437689.8044478707 | 761156.5874900011 | 2931351.806944873 | 70492.26301000002 | 70492.26301000002 | -2270 | -2270 | 2999574.0699548735 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2019 (Octobre 18- Mars 19) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 813476.6799999999 | 30392.039190000003 | 796634.7568 | 800105 | 1637829.0389 | 1814015.7584700002 | 5892453.273360001 | 233116.74709999998 | 233116.74709999998 | 27336 | 27336 | 6152906.020460001 Intérêts sur Bons B.R.H. | 512455 | 40743.198789999995 | 18602.71978 | 5863 | 32325.391010000003 | 13099.07213 | 623088.3817100001 | 0 | 0 | 0 | 0 | 623088.3817100001 Autres | 508962 | 13201.01716 | 12466.37295 | 39461 | 199699.19072 | 212604.77522 | 986394.3560500001 | 11737.98463 | 11737.98463 | 17721 | 17721 | 1015853.34068 1834893.68 | 84336.25514000001 | 827703.84953 | 845429 | 1869853.62063 | 2039719.6058200002 | 7501936.011120001 | 244854.73172999997 | 244854.73172999997 | 45057 | 45057 | 7791847.742850002 Dépenses d'intérêt | 295580 | 31514.776265 | 202391.42388000002 | 190857 | 387938.23114000005 | 420388.21591 | 1528669.647195 | 108123.5193 | 108123.5193 | 1086 | 1086 | 1637879.166495 1539313.68 | 52821.47887500001 | 625312.42565 | 654572 | 1481915.38949 | 1619331.3899100001 | 5973266.363925001 | 136731.21242999996 | 136731.21242999996 | 43971 | 43971 | 6153968.576355002 AUTRES REVENUS Commissions | 330743 | 11927.74344 | 122707.08634000001 | 343510 | 618685.4010300001 | 674622.4703599999 | 2102195.7011700002 | 7739.22299 | 7739.22299 | 99953 | 99953 | 2209887.9241600004 Gains sur change | 125056 | 21030.766600000003 | 89617.41846 | 121536 | 295141.62833 | 444323.85348 | 1096705.66687 | 12108.4009 | 12108.4009 | 91835 | 91835 | 1200649.06777 Autres | 49310 | 3651.5523000000003 | 70337.59801000002 | 187931 | 280416.0793564 | 1157382.5025 | 1749028.7321664 | 4123.3341 | 4123.3341 | 6 | 6 | 1753158.0662664 505109 | 36610.062340000004 | 282662.10281 | 652977 | 1194243.1087164 | 2276328.82634 | 4947930.1002064 | 23970.957990000003 | 23970.957990000003 | 191794 | 191794 | 5163695.0581964 PRODUIT NET BANCAIRE | 2044422.68 | 89431.541215 | 907974.52846 | 1307549 | 2676158.4982064003 | 3895660.2162500005 | 10921196.4641314 | 160702.17041999995 | 160702.17041999995 | 235765 | 235765 | 11317663.634551402 Dotation à la provision pour créances douteuses | 65000 | 8652.4414 | 44807.689190000005 | 33483 | 244773.38481999998 | 27881 | 424597.51541 | -10315.12118 | -10315.12118 | 0 | 0 | 414282.39423 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1979422.68 | 80779.09981500001 | 863166.8392699999 | 1274066 | 2431385.1133864005 | 3867779.2162500005 | 10496598.9487214 | 171017.29159999994 | 171017.29159999994 | 235765 | 235765 | 10903381.240321402 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 689596 | 41193.1858 | 230238.19499 | 270165 | 832216.1841600001 | 888823.9349499999 | 2952232.4999 | 52426.98451 | 52426.98451 | 52170 | 52170 | 3056829.48441 Frais de locaux | 54338 | 7712.983380000001 | 94471.7323366667 | 101734 | 81945.24999000001 | 108381.07341999999 | 448583.03912666667 | 20589.487540000002 | 20589.487540000002 | 12505 | 12505 | 481677.5266666667 Amortissement | 50236 | 3642.4428199999998 | 41626.76848 | 42638 | 133163.31245 | 174735.48348 | 446042.00723 | 5461.26362 | 5461.26362 | 9219 | 9219 | 460722.27085 Autres dépenses d'exploitation | 282785 | 22887.20279 | 165134.3551133333 | 359013 | 762864.2939299999 | 847087.70263 | 2439771.5544633335 | 35159.03468 | 35159.03468 | 61387 | 61387 | 2536317.5891433335 1076955 | 75435.81478999999 | 531471.05092 | 773550 | 1810189.0405299999 | 2019028.1944799998 | 6286629.10072 | 113636.77035 | 113636.77035 | 135281 | 135281 | 6535546.87107 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 902467.6799999999 | 5343.285025000019 | 331695.78834999993 | 500516 | 621196.0728564006 | 1848751.0217700007 | 4209969.848001399 | 57380.52124999993 | 57380.52124999993 | 100484 | 100484 | 4367834.369251401 Impôts sur le revenu | 0 | 0 | 99508.73650500001 | 67226 | 142000 | 267727.20632 | 576461.942825 | 15492.74074 | 15492.74074 | 31212 | 31212 | 623166.6835650001 BÉNÉFICE NET (PERTE NETTE) | 902467.6799999999 | 5343.285025000019 | 232187.05184499992 | 433290 | 479196.0728564006 | 1581023.8154500006 | 3633507.9051763993 | 41887.78050999993 | 41887.78050999993 | 69272 | 69272 | 3744667.685686401 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 83149799.62076001 | 0.061200449203842607 | 88238604.70876002 | 0 | 0 | 0 | 0 | 0.08278955056437279 | 81491924.87383 | 0.20593534220412657 | 67575699.97483 | 0.08914733705082545 | 62044589.99809 | 0.03124137354096773 | 60164954.19016 Bons B.R.H. | 4850000 | 0.30927835051546393 | 6350000 | 0 | 0 | 0 | 0 | 5.35 | 1000000 | -0.8906506287588847 | 9145000 | 0.20328947368421052 | 7600000 | -0.1111111111111111 | 8550000 Prêts nets | 21228394.5 | 0.013524640311352903 | 21515500.900000002 | 0 | 0 | 0 | 0 | 0.012967437454401083 | 21240071.6 | 0.3302674404738643 | 15966768 | 0.14820552077202068 | 13905845 | 0.15200536118160535 | 12070989.83093 Dépôts | 63355279.86138028 | 0.06664219581388126 | 67577414.82774563 | 0 | 0 | 0 | 0 | 0.08892562456991905 | 62058797.5 | 0.1692237667667271 | 53076921 | 0.07371371072567695 | 49433029 | 0.010399758177286585 | 48924228.85094 Avoir des Actionnaires | 7846113 | 0.0594166818652752 | 8312303 | 0 | 0 | 0 | 0 | 0.12993417245105848 | 7356448.9 | 0.16238502871181285 | 6328754 | 0.22276593101430917 | 5175769 | 0.16398067948454542 | 4446610.74812 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats Revenus nets d'intérêt | 1060676.2679999997 | 0.408428542595061 | 753092 | 987067.03999 | 0.25545640001939407 | 786221.6799999999 | 0 | 0 | 696145.4 | 0 | 0 | 986012.1638099999 | 2047743.3079900001 | 0.3302963097099223 | 1539313.68 Autres revenus | 203913.3 | -0.21784193689443285 | 260706 | 246544.15000000002 | 0.008760735342855952 | 244403 | 0 | 0 | 189784 | 0 | 0 | 234839 | 450457.45 | -0.10819753756119964 | 505109 Dot. à la prov. pr créances douteuses | 150000 | 0 | 0 | 150000 | 1.3076923076923077 | 65000 | 0 | 0 | 0 | 0 | 0 | 222500 | 300000 | 0 | 65000 Dépenses d'exploitation | 624924.53 | 0.17484904656536057 | 531919 | 617420.65334 | 0.1328071051086533 | 545036 | 0 | 0 | 589926 | 0 | 0 | 812465.9099999999 | 1242345.18334 | 0.1535720465014787 | 1076955 Bénéfice (perte) net | 489665.0379999997 | 0.0161576619856846 | 481879 | 466190.5366499999 | 0.10842388019097418 | 420588.67999999993 | 0 | 0 | 296003.4 | 0 | 0 | 185885.2538099999 | 955855.5746500003 | 0.05915768047228061 | 902467.6799999999 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.09436117748672314 | 0.09281375145934542 | 0.09420256618331119 | 0.09379461679007793 | 0 | 0.09040015858287682 | 0 | 0.09027212096645935 | 0.09420256618331119 | 0.09379461679007793 | 0.09027212096645935 | 0.0936542870049038 | 0.0834201499302249 | 0.07390699133694753 Dépôts en % de l'actif | 0.7619414616792699 | 0.7814655803975284 | 0.7658486333820822 | 0.7826412066670317 | 0 | 0.7764176502799494 | 0 | 0.7615330917275869 | 0.7658486333820822 | 0.7826412066670317 | 0.7615330917275869 | 0.7854438950653804 | 0.7967339134890208 | 0.8131682224224409 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.24763967655945274 | 0.08006517465175418 | 0.23414864928628235 | 0.0821122953639602 | 0 | 0.25262345024376176 | 0 | 0.2411278826739176 | 0.23414864928628235 | 0.0821122953639602 | 0.2411278826739176 | 0.04082914348332135 | 0.04104977576069428 | 0.0446256355859159 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.2133166732280095 | 0.4056036510539327 | 0.25361719756326867 | 0.4381632294144356 | 0 | 0.1570758653731724 | 0 | 0.19347274672846038 | 0.25361719756326867 | 0.4381632294144356 | 0.19347274672846038 | 0.799508241481033 | 0.8181350299406266 | 0.8404080961577574 Prêts improductifs nets en % de l'avoir des actionnaires | 0.5564842107168224 | 0.12225458665216385 | 0.4809180440125918 | 0.11949373807284139 | 0 | 0.6104504779402228 | 0 | 0.5889828175113131 | 0.4809180440125918 | 0.11949373807284139 | 0.5889828175113131 | 0.021349068078803504 | 0.020754790254356406 | 0.020086764726991935 Rentabilité ROA (rendement de l'actif) | 0.02379299850038146 | 0.027349331075677857 | 0.021760657074730835 | 0.02268186722825861 | 0 | 0.015348468920800612 | 0 | 0.00924732317210062 | 0.022526426495002142 | 0.025325366104606718 | 0.018573534464179725 | 0.020720351733213273 | 0.0182436206863547 | 0.019529060226210284 ROE ( rendement avoir des action.) | 0.25767501094667455 | 0.29339514038174996 | 0.23081001833348017 | 0.24308228074071578 | 0 | 0.16674153050067514 | 0 | 0.10236669062318933 | 0.24401575332876393 | 0.27020038958153814 | 0.20231433087630732 | 0.2334540945330806 | 0.2404644249021568 | 0.26549605001192456 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8375954510608093 | 0.8353386035687783 | 0.8403411263777026 | 0.8423629104488134 | 0 | 0.7991732121660189 | 0 | 0.8136259716027285 | 0.8389166965998596 | 0.8389116474585055 | 0.8222549367124287 | 0.8701934855721045 | 0.8878419265598951 | 0.9143506643184073 Rendement moyen des prêts | 0.0969628009835767 | 0.09235146798115673 | 0.09218677052809676 | 0.09431399997605562 | 0 | 0.07691017477253129 | 0 | 0.09250306259368818 | 0.09421493062395758 | 0.09372509414291669 | 0.08670811586837883 | 0.09653255555046658 | 0.10090080138149649 | 0.09633592835005592 Rendement moyen des prêts productifs | 0.12832445993179606 | 0.09835280679475772 | 0.12143026524377346 | 0.10263897162361611 | 0 | 0.09294538156142053 | 0 | 0.12278805136230067 | 0.12357552809983982 | 0.09997186543923463 | 0.10272105950728723 | 0.10065245187677198 | 0.10583808069091825 | 0.10202761183967712 Rémunération moyenne des dépôts | 0.013118688831550901 | 0.01075517491278484 | 0.011458452631423617 | 0.01014578183773737 | 0 | 0.011637654995215315 | 0 | 0.014613636273844426 | 0.012132236354018989 | 0.010580342412497046 | 0.012096653394315681 | 0.007959520027080298 | 0.005949160332846214 | 0.004712985163678976 Dépenses d'exploitation en % du produit net bancaire | 0.4941718212877114 | 0.5246794726365608 | 0.5004985836299077 | 0.5288404310286845 | 0 | 0.6658837600377637 | 0 | 0.6654913670758014 | 0.49729597566032474 | 0.5267770752768209 | 0.5972598218834595 | 0.5967340321275334 | 0.6065613951815964 | 0.5913411826168897 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6244.886755555554 | 5165.849681528663 | 5829.231848741878 | 5271.737493606138 | 0 | 4551.981502890174 | 0 | 6317.4704466235435 | 6195.16616984501 | 5215.363979591836 | 5332.309882864483 | 4618.834684965689 | 4022.6345991917897 | 4248.7397139385075 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 8343138 | -0.06789896079868275 | 7776647.6 | 0 | 0 | 0 | 0 | -0.33232575805967496 | 11647368 | 0.33814454261764376 | 8704118 | 0.30826746492345597 | 6653164 | -0.1771445365115823 | 8085458.86272 Avoirs à la BRH | 22167336 | 0.11021808303893627 | 24610577.28 | 0 | 0 | 0 | 0 | 0.39949420815762593 | 17585337 | 0.0849201335786557 | 16208877 | -0.11155815213655744 | 18244162 | 0.03186660874383558 | 17680736.87568 Avoirs à l'étranger | 1658449 | 0.09249698362747363 | 1811850.53 | 0 | 0 | 0 | 0 | -0.2217173873735806 | 2328011.06 | 3.4480661321879493 | 523376 | -0.5349909996996939 | 1125518 | 0.35685822044856497 | 829503.02621 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 365032.4 | -0.19486804459001453 | 293899.25 | 0 | 0 | 0 | 0 | 1.022312584678965 | 145328.3 | -0.3054368969159375 | 209237 | -0.4635925254633131 | 390071 | -0.26391102583243586 | 529923.70989 32533955.4 | 0.0602146045850916 | 34492974.660000004 | 0 | 0 | 0 | 0 | 0.08789902229229091 | 31706044.36 | 0.23631478575200868 | 25645608 | -0.02905044747995441 | 26412915 | -0.02627432698254177 | 27125622.474499997 Bons B.R.H. | 4850000 | 0.30927835051546393 | 6350000 | 0 | 0 | 0 | 0 | 5.35 | 1000000 | -0.8906506287588847 | 9145000 | 0.20328947368421052 | 7600000 | -0.1111111111111111 | 8550000 Bons du Trésor / M.E.F. | 7625263 | 0.20651576214485978 | 9200000 | 0 | 0 | 0 | 0 | 0.16455696202531644 | 7900000 | 0.85533114138093 | 4258000 | 2.0414285714285714 | 1400000 | 0 | 1400000 Autres Placements | 12357213.5 | -0.008202269872572748 | 12255856.3 | 0 | 0 | 0 | 0 | -0.1790919735814822 | 14929633.900000002 | 0.7192880637025094 | 8683614 | -0.04732307167051272 | 9114962 | 0.2276977346534719 | 7424434.975090001 Portefeuille net | 21228394.5 | 0.013524640311352903 | 21515500.900000002 | 0 | 0 | 0 | 0 | 0.012967437454401083 | 21240071.6 | 0.3302674404738643 | 15966768 | 0.14820552077202068 | 13905845 | 0.15200536118160535 | 12070989.83093 Immobilisations | 2217737.82076 | 0.028259358438736754 | 2280409.66876 | 0 | 0 | 0 | 0 | 0.054612015008556364 | 2162320.96383 | 0.06163594854597922 | 2036781.97483 | 0.08560109504663384 | 1876178.9980899997 | 0.012384900213697574 | 1853226.9670299997 Autres actifs | 2337235.4 | -0.08273544889830105 | 2143863.1799999997 | 0 | 0 | 0 | 0 | -0.1605380973121781 | 2553854.05 | 0.38801847137496676 | 1839928 | 0.06066735881763244 | 1734689 | -0.0034417255368708916 | 1740679.9426099998 83149799.62076001 | 0.061200449203842607 | 88238604.70876002 | 0 | 0 | 0 | 0 | 0.08278955056437279 | 81491924.87383 | 0.20593534220412657 | 67575699.97483 | 0.08914733705082545 | 62044589.99809 | 0.03124137354096773 | 60164954.19016 PASSIF Dépôts À vue | 31000481.311380286 | 0.07042399331452538 | 33183659 | 0 | 0 | 0 | 0 | 0.07162955132172205 | 30965606.5 | 0.08565678266786488 | 28522464 | 0.01894338625867773 | 27992197 | -0.053047322465431014 | 29560291.305030003 Épargne | 21436706.75 | 0.05306019545189708 | 22574142.6 | 0 | 0 | 0 | 0 | 0.1028986400828767 | 20468012 | 0.24824200024503779 | 16397471 | 0.12760153382961872 | 14541902 | 0.0845222856456439 | 13408578.313669998 À terme | 10918091.8 | 0.082571336114396 | 11819613.227745632 | 0 | 0 | 0 | 0 | 0.11241544521232365 | 10625179 | 0.30258639649497987 | 8156986 | 0.18235523479728016 | 6898930 | 0.15844061306190815 | 5955359.23224 63355279.86138028 | 0.06664219581388126 | 67577414.82774563 | 0 | 0 | 0 | 0 | 0.08892562456991905 | 62058797.5 | 0.1692237667667271 | 53076921 | 0.07371371072567695 | 49433029 | 0.010399758177286585 | 48924228.85094 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 | 2226567.5 | -0.04811109476806793 | 2119444.9 | 0 | 0 | 0 | 0 | -0.1781384192652186 | 2578834.38 | 0.7289418786136468 | 1491568 | -0.09030210586906998 | 1639630.046 | -0.18464811244681914 | 2010947.7527799997 2226567.5 | -0.04811109476806793 | 2119444.9 | 0 | 0 | 0 | 0 | -0.1781384192652186 | 2578834.38 | 0.7289418786136468 | 1491568 | -0.09030210586906998 | 1639630.046 | -0.18464811244681914 | 2010947.7527799997 Obligations à terme Banques locales | 4370634 | 0.06985165081313145 | 4675930 | 0 | 0 | 0 | 0 | 0.0692476257705341 | 4373103 | 0.9919381470628829 | 2195401 | 0.8137813945803041 | 1210400 | 5.113131313131313 | 198000 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4160766 | 0.07103331453871715 | 4456319 | 0 | 0 | 0 | 0 | 0.10532971953097875 | 4031664.87 | 0.17072312100307258 | 3443739 | -0.0519075886729059 | 3632282 | 0.01598292312826117 | 3575140.79943 8531400 | 0.07042794851958648 | 9132249 | 0 | 0 | 0 | 0 | 0.08655576706605686 | 8404767.870000001 | 0.4904343339587244 | 5639140 | 0.1644663019376453 | 4842682 | 0.2834617782436248 | 3773140.79943 Autres passifs | 1190439.2 | -0.07832924102297702 | 1097193.00098 | 0 | 0 | 0 | 0 | 0.0037662341423913143 | 1093076.22 | 0.05172552743773071 | 1039317 | 0.09002496119478122 | 953480 | -0.05598473672543268 | 1010026.04205 75303686.56138028 | 0.06138630628100061 | 79926301.72872564 | 0 | 0 | 0 | 0 | 0.07811139920473412 | 74135475.97 | 0.21043547167233448 | 61246946 | 0.07698638504319656 | 56868821.046000004 | 0.020648094140335145 | 55718343.44519999 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 1 | 1500000 Réserves | 959252 | 0 | 959252 | 0 | 0 | 0 | 0 | 0 | 959252 | 0.32863700203052154 | 721982 | 0.47190367556966334 | 490509 | 0.4993752900993411 | 327142.246 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 160000 | 0 | 0 | 0 | 0 | 6.25000390661624e-07 | 159999.9 | -0.17525824742268045 | 194000 | 0.23396324824923515 | 157217 | -0.015602309613513296 | 159708.82656000002 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 3726861 | 0.12508918363201632 | 4193051 | 0 | 0 | 0 | 0 | 0.29527211349818994 | 3237197 | 0.34169204549787546 | 2412772 | 0.5789948319517186 | 1528043 | -0.3787836205371897 | 2459759.67556 7846113 | 0.0594166818652752 | 8312303 | 0 | 0 | 0 | 0 | 0.12993417245105848 | 7356448.9 | 0.16238502871181285 | 6328754 | 0.22276593101430917 | 5175769 | 0.16398067948454542 | 4446610.74812 83149799.56138028 | 0.06120045020179344 | 88238604.72872564 | 0 | 0 | 0 | 0 | 0.0827895508602635 | 81491924.87 | 0.20593534169827327 | 67575700 | 0.08914733661547636 | 62044590.046000004 | 0.031241374283115554 | 60164954.19331999 Hors-bilan Effets à l'encaissement | 1130009.911985724 | 1219162.6 | 0 | 0 | 1146373 | 815323 | 677233 | 0 Crédit documentaire | 172052 | 183253 | 0 | 0 | 355824 | 244921 | 223508 | 196610.4 Autres | 7625330.9 | 8464977.6 | 0 | 0 | 7735704.5 | 10588763 | 2957417 | 1725729.7650000001 Portefeuille brut | 22412341.5 | 0.020591449581472847 | 22873844.1 | 0 | 0 | 0 | 0 | 0.026679259739190157 | 22279445 | 0.3498143020023007 | 16505563 | 0.14708857237134906 | 14389092 | 0.14733318066385784 | 12541336.939 Provisions pour créances douteuses | 1183947 | 0.1473006815338862 | 1358343.2 | 0 | 0 | 0 | 0 | 0.30688662996378385 | 1039373.4 | 0.929070240072755 | 538795 | 0.11494742854068417 | 483247 | 0.02742632347189897 | 470347.10806999996 Portefeuille de crédit improductif | 5550185 | -0.035008797004063966 | 5355879.699999999 | 0 | 0 | 0 | 0 | -0.003037063767263774 | 5372195.4 | 6.971704446304244 | 673908 | 0.14092325820383328 | 590669 | 0.05539717632435965 | 559665.132 [bnccomp ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 8343138 | 0.10033864228239185 | 7776647.6 | 0.08813203274992358 | 0 | 0 | 0 | 0 | 11647368 | 0.14292665215643213 | 8704118 | 0.12880544342481148 | 6653164 | 0.10723197623201013 | 8085458.86272 | 0.13438818281427994 Avoirs à la BRH | 22167336 | 0.26659518244305525 | 24610577.28 | 0.27890941114979745 | 0 | 0 | 0 | 0 | 17585337 | 0.21579238712579835 | 16208877 | 0.23986250983766855 | 18244162 | 0.29404919914148253 | 17680736.87568 | 0.29387102697356815 Avoirs à l'étranger | 1658449 | 0.01994531565396503 | 1811850.53 | 0.020533535587741743 | 0 | 0 | 0 | 0 | 2328011.06 | 0.028567383376995287 | 523376 | 0.007745032610760118 | 1125518 | 0.018140469620875056 | 829503.02621 | 0.013787146310927726 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 365032.4 | 0.004390057482578255 | 293899.25 | 0.0033307331974484714 | 0 | 0 | 0 | 0 | 145328.3 | 0.001783346021400338 | 209237 | 0.003096334926281707 | 390071 | 0.006286946210975172 | 529923.70989 | 0.008807846977080709 32533955.4 | 0.3912691978619904 | 34492974.660000004 | 0.39090571268491126 | 0 | 0 | 0 | 0 | 31706044.36 | 0.3890697686806261 | 25645608 | 0.3795093207995219 | 26412915 | 0.4257085912053429 | 27125622.474499997 | 0.45085420307585644 Bons B.R.H. | 4850000 | 0.058328462872075285 | 6350000 | 0.07196396657629373 | 0 | 0 | 0 | 0 | 1000000 | 0.012271154492279468 | 9145000 | 0.1353297117663043 | 7600000 | 0.12249254931387187 | 8550000 | 0.14210930790334345 Bons du Trésor / M.E.F. | 7625263 | 0.09170512779078545 | 9200000 | 0.10426275472470901 | 0 | 0 | 0 | 0 | 7900000 | 0 | 4258000 | 0 | 1400000 | 0 | 1400000 | 0 Autres Placements | 12357213.5 | 0.14861386986331082 | 12255856.3 | 0.13889449340741084 | 0 | 0 | 0 | 0 | 14929633.900000002 | 0.18320384410007287 | 8683614 | 0.12850202074465222 | 9114962 | 0.1469098595104037 | 7424434.975090001 | 0.12340132349513648 Portefeuille net | 21228394.5 | 0.2553030145210345 | 21515500.900000002 | 0.24383319490390828 | 0 | 0 | 0 | 0 | 21240071.6 | 0.26064020003067756 | 15966768 | 0.23627972785997275 | 13905845 | 0.22412663215967873 | 12070989.83093 | 0.20063158018500105 Immobilisations | 2217737.82076 | 0.026671595492411715 | 2280409.66876 | 0.02584367325714987 | 0 | 0 | 0 | 0 | 2162320.96383 | 0.026534174609052573 | 2036781.97483 | 0.0301407454985837 | 1876178.9980899997 | 0.030239203742788157 | 1853226.9670299997 | 0.030802432944145676 Autres actifs | 2337235.4 | 0.028108731598391758 | 2143863.1799999997 | 0.02429620444561681 | 0 | 0 | 0 | 0 | 2553854.05 | 0.03133873759828361 | 1839928 | 0.027227657289311397 | 1734689 | 0.02795874708904356 | 1740679.9426099998 | 0.028931792038074694 83149799.62076001 | 1 | 88238604.70876002 | 1 | 0 | 0 | 0 | 0 | 81491924.87383 | 1 | 67575699.97483 | 1 | 62044589.99809 | 1 | 60164954.19016 | 1 PASSIF Dépôts À vue | 31000481.311380286 | 0.3728268913788266 | 33183659 | 0.3760673586071068 | 0 | 0 | 0 | 0 | 30965606.5 | 0.37998374130863327 | 28522464 | 0.42208166560795957 | 27992197 | 0.45116257518764685 | 29560291.305030003 | 0.4913207647694777 Épargne | 21436706.75 | 0.2578082791272043 | 22574142.6 | 0.25583068402439185 | 0 | 0 | 0 | 0 | 20468012 | 0.2511661374018301 | 16397471 | 0.24265336513136504 | 14541902 | 0.23437824313848576 | 13408578.313669998 | 0.22286360048227172 À terme | 10918091.8 | 0.1313062911732391 | 11819613.227745632 | 0.13395059075058358 | 0 | 0 | 0 | 0 | 10625179 | 0.13038321301712347 | 8156986 | 0.1207088643260557 | 6898930 | 0.11119309516288815 | 5955359.23224 | 0.0989838571706916 63355279.86138028 | 0.7619414616792699 | 67577414.82774563 | 0.7658486333820822 | 0 | 0 | 0 | 0 | 62058797.5 | 0.7615330917275869 | 53076921 | 0.7854438950653804 | 49433029 | 0.7967339134890208 | 48924228.85094 | 0.8131682224224409 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 | 2226567.5 | 0.026777785516684433 | 2119444.9 | 0.024019474321873416 | 0 | 0 | 0 | 0 | 2578834.38 | 0.031645275086981735 | 1491568 | 0.02207254975613373 | 1639630.046 | 0.026426640035021185 | 2010947.7527799997 | 0.033423905658169537 2226567.5 | 0.026777785516684433 | 2119444.9 | 0.024019474321873416 | 0 | 0 | 0 | 0 | 2578834.38 | 0.031645275086981735 | 1491568 | 0.02207254975613373 | 1639630.046 | 0.026426640035021185 | 2010947.7527799997 | 0.033423905658169537 Obligations à terme Banques locales | 4370634 | 0.052563373813696884 | 4675930 | 0.05299188507607702 | 0 | 0 | 0 | 0 | 4373103 | 0.05366302252365082 | 2195401 | 0.032488024553467054 | 1210400 | 0.01950855022230401 | 198000 | 0.003290952393551111 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4160766 | 0.05003939900008107 | 4456319 | 0.050503053790441364 | 0 | 0 | 0 | 0 | 4031664.87 | 0.04947318248086582 | 3443739 | 0.05096120352852717 | 3632282 | 0.05854308973774857 | 3575140.79943 | 0.05942231399578986 8531400 | 0.10260277281377796 | 9132249 | 0.10349493886651838 | 0 | 0 | 0 | 0 | 8404767.870000001 | 0.10313620500451665 | 5639140 | 0.08344922808199422 | 4842682 | 0.07805163996005259 | 3773140.79943 | 0.06271326638934097 Autres passifs | 1190439.2 | 0.014316801789415053 | 1097193.00098 | 0.012434387472483169 | 0 | 0 | 0 | 0 | 1093076.22 | 0.01341330716745686 | 1039317 | 0.015380040464059056 | 953480 | 0.015367657357867177 | 1010026.04205 | 0.016787614245623247 75303686.56138028 | 0.9056388217991473 | 79926301.72872564 | 0.9057974340429573 | 0 | 0 | 0 | 0 | 74135475.97 | 0.9097278789865421 | 61246946 | 0.9063457133675673 | 56868821.046000004 | 0.9165798508419618 | 55718343.44519999 | 0.9260930087155745 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.036079461570355846 | 3000000 | 0.03399872436675294 | 0 | 0 | 0 | 0 | 3000000 | 0.03681346347683841 | 3000000 | 0.044394656675660234 | 3000000 | 0.048352322097580995 | 1500000 | 0.024931457526902356 Réserves | 959252 | 0.011536431890095662 | 959252 | 0.010871114782085496 | 0 | 0 | 0 | 0 | 959252 | 0.011771129489028065 | 721982 | 0.010684047672002176 | 490509 | 0.007905749719920786 | 327142.246 | 0.005437422007602962 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0.0019242379504189786 | 160000 | 0.0018132652995601567 | 0 | 0 | 0 | 0 | 159999.9 | 0.0019633834916492655 | 194000 | 0.0028708544650260285 | 157217 | 0.0025339356744051304 | 159708.82656000002 | 0.0026545158840347036 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 3726861 | 0.044821046075852654 | 4193051 | 0.047519461734912595 | 0 | 0 | 0 | 0 | 3237197 | 0.03972414450894362 | 2412772 | 0.03570472819221537 | 1528043 | 0.024628142438317988 | 2459759.67556 | 0.040883595918407505 7846113 | 0.09436117748672314 | 8312303 | 0.09420256618331119 | 0 | 0 | 0 | 0 | 7356448.9 | 0.09027212096645935 | 6328754 | 0.0936542870049038 | 5175769 | 0.0834201499302249 | 4446610.74812 | 0.07390699133694753 83149799.56138028 | 0.9999999992858705 | 88238604.72872564 | 1.0000000002262686 | 0 | 0 | 0 | 0 | 81491924.87 | 0.9999999999530015 | 67575700 | 1.0000000003724712 | 62044590.046000004 | 1.0000000007721868 | 60164954.19331999 | 1.0000000000525222 [bncgdes&$ ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 6089048 | 1687599.6 | 7776647.6 | 0.7829913753581942 | 10700182 | 947186 | 11647368 | 0.9186781082215313 Avoirs à la BRH | 7980607 | 16629970.28 | 24610577.28 | 0.3242754897295932 | 2264380 | 15320957 | 17585337 | 0.12876523207943072 Avoirs à l'étranger | 1811850.53 | 0 | 1811850.53 | 1 | 2328011.06 | 0 | 2328011.06 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 88889 | 205010.25 | 293899.25 | 0.3024471821551093 | 28534 | 116794.3 | 145328.3 | 0.19634166229151515 15970394.53 | 18522580.13 | 34492974.66 | 0.46300426934532185 | 15321107.06 | 16384937.3 | 31706044.36 | 0.48322354204893947 Bons B.R.H. | 0 | 6350000 | 6350000 | 0 | 0 | 1000000 | 1000000 | 0 Bons du Trésor / M.E.F. | 0 | 9200000 | 9200000 | 0 | 0 | 2.0414285714285714 | 2.0414285714285714 | 0 Autres Placements | 11685584.3 | 570272 | 12255856.3 | 0.953469428325461 | 11494264 | 11335367.858571429 | 22829631.85857143 | 0.503480041693465 Portefeuille net | 8184452.100000001 | 13331048.8 | 21515500.900000002 | 0.38039793440272635 | 7593825.6 | 13646246 | 21240071.6 | 0.3575235405515299 Immobilisations | 0 | 2280409.66876 | 2280409.66876 | 0 | 0 | 2162320.96383 | 2162320.96383 | 0 Autres actifs | 251073 | 1892790.18 | 2143863.1799999997 | 0.11711241759373844 | 145786.05 | 2408068 | 2553854.05 | 0.05708472259798871 36091503.93 | 52147100.77875999 | 88238604.70876 | 0.4090216980325503 | 34554982.71 | 46936942.163830005 | 81491924.87383 | 0.42402953131245585 PASSIF Dépôts À vue | 15499298 | 17684361 | 33183659 | 0.467076219653776 | 15378808.5 | 15586798 | 30965606.5 | 0.4966416046138157 Épargne | 9659303.6 | 12914839 | 22574142.6 | 0.4278923798417043 | 8944111 | 11523901 | 20468012 | 0.43697995682238217 À terme | 6300662.060755632 | 5518951.16699 | 11819613.227745632 | 0.5330683787490874 | 5410988 | 5214191 | 10625179 | 0.5092608792755398 31459263.660755634 | 36118151.16699 | 67577414.82774563 | 0.46552925620112995 | 29733907.5 | 32324890 | 62058797.5 | 0.4791247767893021 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 | 482557.9 | 1636887 | 2119444.9 | 0.22768126692040921 | 1000804.1299999999 | 1578030.25 | 2578834.38 | 0.3880839102199343 482557.9 | 1636887 | 2119444.9 | 0.22768126692040921 | 1000804.1299999999 | 1578030.25 | 2578834.38 | 0.3880839102199343 Obligations à terme Banques locales | 1959456 | 2716474 | 4675930 | 0 | 1866324 | 2506779 | 4373103 | 0.42677339179982726 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2195057 | 2261262 | 4456319 | 0.4925717840217453 | 1925804.87 | 2105860 | 4031664.87 | 0.47766987884585754 4154513 | 4977736 | 9132249 | 0.4549276963429271 | 3792128.87 | 4612639 | 8404767.870000001 | 0.45118781727876556 Autres passifs | 0.00098 | 1097193 | 1097193.00098 | 0 | 11696 | 1081380.2 | 1093076.2 | 0.010700077451142017 36096334.56173563 | 43829967.16699 | 79926301.72872563 | 0.4516202273970917 | 34538536.5 | 39596939.45 | 74135475.95 | 0.46588405965443863 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 959252 | 959252 | 0 | 0 | 959252 | 959252 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 160000 | 160000 | 0 | 159999.9 | 159999.9 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 4193051 | 4193051 | 0 | 0 | 3237197 | 3237197 | 0 0 | 8312303 | 8312303 | 0 | 0 | 7356448.9 | 7356448.9 | 0 36096334.56173563 | 52142270.16699 | 88238604.72872563 | 0.4090764430456214 | 34538536.5 | 46953388.35 | 81491924.85 | 0.42382771745266984 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [bncrésult ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 541680.1 | -0.036611461266529734 | 521848.4 | 0 | 0 | 0 | 0 | 392509 | 0.0725045285585808 | 420967.68 | -0.11463986974011875 | 372708 | 0.3289298963531773 | 495302.80381 Intérêts sur bons B.R.H. | 147471.8 | 0.4941527803959809 | 220345.4 | 0 | 0 | 0 | 0 | 296394 | -0.2710345013731722 | 216061 | -0.5734584214643087 | 92159 | -0.6253757093718465 | 34525 Autres | 577182.8999999999 | -0.2508284635771434 | 432408.9999899999 | 0 | 0 | 0 | 0 | 212638 | 0.3935608875177532 | 296324 | 0.3708474507633536 | 406215 | 0.6790276085324273 | 682046.2 1266334.7999999998 | -0.07243897902039796 | 1174602.79999 | 0 | 0 | 0 | 0 | 901541 | 0.03528589381958218 | 933352.6799999999 | -0.06671720276198269 | 871082 | 0.39122838471005017 | 1211874.00381 Dépenses d'intérêt | 205658.532 | -0.08812069124367777 | 187535.75999999998 | 0 | 0 | 0 | 0 | 148449 | -0.008878470046952152 | 147131 | 0.18898532600199827 | 174936.6 | 0.29110683527632275 | 225861.83999999997 1060676.2679999997 | -0.06939839254516039 | 987067.03999 | 0 | 0 | 0 | 0 | 753092 | 0.04399154419380359 | 786221.6799999999 | -0.11456855272675757 | 696145.4 | 0.41638824850383255 | 986012.1638099999 AUTRES REVENUS Commissions | 136569.9 | 0.12875677583420664 | 154154.2 | 0 | 0 | 0 | 0 | 158208 | 0.09055799959546926 | 172535 | -0.19061060074767439 | 139648 | 0.1043051099908341 | 154214 Gains sur change | 54018.9 | 0.20857699805068222 | 65286 | 0 | 0 | 0 | 0 | 64187 | -0.05169271036191129 | 60869 | -0.38155711445892 | 37644 | 0.015380937201147592 | 38223 Autres | 13324.5 | 1.034143870314083 | 27103.95 | 0 | 0 | 0 | 0 | 38311 | -0.7129022996006369 | 10999 | 0.13573961269206292 | 12492 | 2.39433237271854 | 42402 203913.3 | 0.2090636069349083 | 246544.15000000002 | 0 | 0 | 0 | 0 | 260706 | -0.0625340421777788 | 244403 | -0.2234792535279845 | 189784 | 0.23740146693082662 | 234839 PRODUIT NET BANCAIRE | 1264589.5679999997 | -0.02449678440649597 | 1233611.1899899999 | 0 | 0 | 0 | 0 | 1013798 | 0.016597665412636377 | 1030624.6799999999 | -0.14039570641758736 | 885929.4 | 0.37804565895431375 | 1220851.1638099998 Dotation à la provision pour créances douteuses | 150000 | 0 | 150000 | 0 | 0 | 0 | 0 | 0 | 0 | 65000 | 0 | 0 | #DIV/0! | 222500 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1114589.5679999997 | -0.027793529474339992 | 1083611.1899899999 | 0 | 0 | 0 | 0 | 1013798 | -0.0475176711731529 | 965624.6799999999 | -0.0825323561531173 | 885929.4 | 0.1268969782580867 | 998351.1638099998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 408114.4 | -0.036291049764477855 | 393303.5 | 0 | 0 | 0 | 0 | 344491 | 0.0017823397418219925 | 345105 | 0.02828414540502166 | 354866 | 0.342401920725006 | 476372.8 Frais de locaux | 29432 | 0.27534656156564286 | 37536 | 0 | 0 | 0 | 0 | 29203 | -0.13930075677156456 | 25135 | 0.03799482792918241 | 26090 | 0.1176159448064392 | 29158.6 Amortissement | 22732 | -0.027780221713883512 | 22100.5 | 0 | 0 | 0 | 0 | 25356 | -0.018772677078403535 | 24880 | -0.0927652733118971 | 22572 | 0.019404572036150983 | 23010 Autres dépenses d'exploitation | 164646.13 | -0.001005044333565482 | 164480.65334000002 | 0 | 0 | 0 | 0 | 132869 | 0.12829930232033054 | 149916 | 0.24334960911443743 | 186398 | 0.5232165044689321 | 283924.51 624924.53 | -0.012007652604067354 | 617420.65334 | 0 | 0 | 0 | 0 | 531919 | 0.02465976962657848 | 545036 | 0.08236153208228447 | 589926 | 0.37723360218061236 | 812465.9099999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 489665.0379999997 | -0.047939917143930984 | 466190.5366499999 | 0 | 0 | 0 | 0 | 481879 | -0.12719026975651576 | 420588.67999999993 | -0.29621643644807544 | 296003.4 | -0.3720164909930092 | 185885.2538099999 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 489665.0379999997 | -0.047939917143930984 | 466190.5366499999 | 0 | 0 | 0 | 0 | 481879 | -0.12719026975651576 | 420588.67999999993 | -0.29621643644807544 | 296003.4 | -0.3720164909930092 | 185885.2538099999 0 | 0 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 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 | 541680.1 | 0.3800450435531414 | 392509 | 521848.4 | 0.23964005977846098 | 420967.68 | 0 | 0 | 372708 | 0 | 0 | 495302.80381 | 1063528.5 | 0.30738658666896274 | 813476.6799999999 | 1681487.48381 Intérêts sur bons B.R.H. | 147471.8 | -0.5024467431864343 | 296394 | 220345.4 | 0.019829585163449185 | 216061 | 0 | 0 | 92159 | 0 | 0 | 34525 | 367817.19999999995 | -0.2822448800382473 | 512455 | 639139 Autres | 577182.8999999999 | 1.714392065388124 | 212638 | 432408.9999899999 | 0.4592439356582657 | 296324 | 0 | 0 | 406215 | 0 | 0 | 682046.2 | 1009591.8999899998 | 0.9836292296674405 | 508962 | 1597223.2 1266334.7999999998 | 0.40463362176539924 | 901541 | 1174602.79999 | 0.2584769135606918 | 933352.6799999999 | 0 | 0 | 871082 | 0 | 0 | 1211874.00381 | 2440937.59999 | 0.3302883031293672 | 1834893.68 | 3917849.6838100003 Dépenses d'intérêt | 205658.532 | 0.38538172705777746 | 148449 | 187535.75999999998 | 0.27461758568894373 | 147131 | 0 | 0 | 174936.6 | 0 | 0 | 225861.83999999997 | 393194.292 | 0.3302466066716287 | 295580 | 696378.44 1060676.2679999997 | 0.408428542595061 | 753092 | 987067.03999 | 0.25545640001939407 | 786221.6799999999 | 0 | 0 | 696145.4 | 0 | 0 | 986012.1638099999 | 2047743.3079900001 | 0.3302963097099223 | 1539313.68 | 3221471.2438100004 AUTRES REVENUS Commissions | 136569.9 | -0.13676994842233015 | 158208 | 154154.2 | -0.10653374677601639 | 172535 | 0 | 0 | 139648 | 0 | 0 | 154214 | 290724.1 | -0.12099696743392914 | 330743 | 624605 Gains sur change | 54018.9 | -0.15841369747768239 | 64187 | 65286 | 0.07256567382411408 | 60869 | 0 | 0 | 37644 | 0 | 0 | 38223 | 119304.9 | -0.0459881972876152 | 125056 | 200923 Autres | 13324.5 | -0.6522017175223827 | 38311 | 27103.95 | 1.4642194744976817 | 10999 | 0 | 0 | 12492 | 0 | 0 | 42402 | 40428.45 | -0.18011660920705744 | 49310 | 104204 203913.3 | -0.21784193689443285 | 260706 | 246544.15000000002 | 0.008760735342855952 | 244403 | 0 | 0 | 189784 | 0 | 0 | 234839 | 450457.45 | -0.10819753756119964 | 505109 | 929732 PRODUIT NET BANCAIRE | 1264589.5679999997 | 0.24737824300304373 | 1013798 | 1233611.1899899999 | 0.19695483130677596 | 1030624.6799999999 | 0 | 0 | 885929.4 | 0 | 0 | 1220851.1638099998 | 2498200.7579900003 | 0.22195903148071142 | 2044422.68 | 4151203.2438100004 Dotation à la provision pour créances douteuses | 150000 | 0 | 0 | 150000 | 1.3076923076923077 | 65000 | 0 | 0 | 0 | 0 | 0 | 222500 | 300000 | 3.6153846153846154 | 65000 | 287500 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1114589.5679999997 | 0.09941977395891463 | 1013798 | 1083611.1899899999 | 0.12218671750394774 | 965624.6799999999 | 0 | 0 | 885929.4 | 0 | 0 | 998351.1638099998 | 2198200.7579900003 | 0.11052620554494222 | 1979422.68 | 3863703.2438100004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 408114.4 | 0.18468813408768306 | 344491 | 393303.5 | 0.13966329088248505 | 345105 | 0 | 0 | 354866 | 0 | 0 | 476372.8 | 801417.9 | 0.16215566795631067 | 689596 | 1520834.8 Frais de locaux | 29432 | 0.007841660103414033 | 29203 | 37536 | 0.49337577083747763 | 25135 | 0 | 0 | 26090 | 0 | 0 | 29158.6 | 66968 | 0.23243402407155214 | 54338 | 109586.6 Amortissement | 22732 | -0.10348635431456066 | 25356 | 22100.5 | -0.11171623794212218 | 24880 | 0 | 0 | 22572 | 0 | 0 | 23010 | 44832.5 | -0.10756230591607611 | 50236 | 95818 Autres dépenses d'exploitation | 164646.13 | 0.2391613544167564 | 132869 | 164480.65334000002 | 0.09715209410603284 | 149916 | 0 | 0 | 186398 | 0 | 0 | 283924.51 | 329126.78334 | 0.16387638432024337 | 282785 | 753107.51 624924.53 | 0.17484904656536057 | 531919 | 617420.65334 | 0.1328071051086533 | 545036 | 0 | 0 | 589926 | 0 | 0 | 812465.9099999999 | 1242345.18334 | 0.1535720465014787 | 1076955 | 2479346.91 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 489665.0379999997 | 0.0161576619856846 | 481879 | 466190.5366499999 | 0.10842388019097418 | 420588.67999999993 | 0 | 0 | 296003.4 | 0 | 0 | 185885.2538099999 | 955855.5746500003 | 0.05915768047228061 | 902467.6799999999 | 1384356.3338100002 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 489665.0379999997 | 0.0161576619856846 | 481879 | 466190.5366499999 | 0.10842388019097418 | 420588.67999999993 | 0 | 0 | 296003.4 | 0 | 0 | 185885.2538099999 | 955855.5746500003 | 0.05915768047228061 | 902467.6799999999 | 1384356.3338100002 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1063528.5 | 0.30738658666896274 | 813476.6799999999 | 1681487.48381 | 0.1276296356619298 | 1491170 | 0.15013075435141593 | 1296522.15138 | 0.18085607672657258 | 1097951.03479 Intérêts sur Bons B.R.H. | 367817.19999999995 | -0.2822448800382473 | 512455 | 639139 | -0.46289621697299016 | 1189973 | 0.2910837681422053 | 921685.35409 | -0.051647471411928936 | 971880.5257600001 Autres | 1009591.8999899998 | 0.9836292296674405 | 508962 | 1597223.2 | 2.4592371682834226 | 461727 | 0.1576097052476161 | 398862.4127 | 0.31777294164141995 | 302679.16429000004 2440937.59999 | 0.3302883031293672 | 1834893.68 | 3917849.6838100003 | 0.24658343609821606 | 3142870 | 0.20091174415304425 | 2617069.9181700004 | 0.10308033205898068 | 2372510.7248400003 Dépenses d'intérêt | 393194.292 | 0.3302466066716287 | 295580 | 696378.44 | 0.7069563320382874 | 407965 | 0.38987914880045077 | 293525.52008 | 0.444487151112784 | 203203.96748 2047743.3079900001 | 0.3302963097099223 | 1539313.68 | 3221471.2438100004 | 0.17790974231646084 | 2734905 | 0.17704012983274448 | 2323544.3980900003 | 0.07109996786148585 | 2169306.75736 AUTRES REVENUS Commissions | 290724.1 | -0.12099696743392914 | 330743 | 624605 | 0.04938769407048617 | 595209 | 0.08211293937479638 | 550043.32574 | 0.057753863971323864 | 520010.69859000004 Gains sur change | 119304.9 | -0.0459881972876152 | 125056 | 200923 | -0.26697993090188726 | 274103 | 0.2761817335768432 | 214783.67288 | 0.5592035581931355 | 137752.16952999998 Autres | 40428.45 | -0.18011660920705744 | 49310 | 104204 | 0.06570940590515346 | 97779 | 1.0684217840628938 | 47272.27336 | -0.3681832848162464 | 74819.59914 450457.45 | -0.10819753756119964 | 505109 | 929732 | -0.03863028401670577 | 967091 | 0.19085317936822027 | 812099.27198 | 0.1085431446611166 | 732582.4672600001 PRODUIT NET BANCAIRE | 2498200.7579900003 | 0.22195903148071142 | 2044422.68 | 4151203.2438100004 | 0.12134190415386736 | 3701996 | 0.1806175667649624 | 3135643.67007 | 0.08055250471547874 | 2901889.2246200005 Dotation à la provision pour créances douteuses | 300000 | 3.6153846153846154 | 65000 | 287500 | 0.9166666666666666 | 150000 | 0.15384615384615385 | 130000 | -0.03910807587198203 | 135290.9695 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2198200.7579900003 | 0.11052620554494222 | 1979422.68 | 3863703.2438100004 | 0.08775551656308182 | 3551996 | 0.18177548302566277 | 3005643.67007 | 0.08640409373049038 | 2766598.2551200003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 801417.9 | 0.16215566795631067 | 689596 | 1520834.8 | 0.09542134726251772 | 1388356 | 0.1095442826998849 | 1251284.89385 | 0.08939081684258028 | 1148609.7317000001 Frais de locaux | 66968 | 0.23243402407155214 | 54338 | 109586.6 | 0.11727294971656953 | 98084 | 0.11168062975876666 | 88230.37604 | 0.12516865226492765 | 78415.24545 Amortissement | 44832.5 | -0.10756230591607611 | 50236 | 95818 | -0.22049120980141718 | 122921 | 0.19460679510633305 | 102896.61879000001 | 0.12800931424279097 | 91219.6535 Autres dépenses d'exploitation | 329126.78334 | 0.16387638432024337 | 282785 | 753107.51 | 0.2557107675582663 | 599746 | 0.3050765830527918 | 459548.51063000003 | 0.1553354498745458 | 397761.97526 1242345.18334 | 0.1535720465014787 | 1076955 | 2479346.91 | 0.12232993241160349 | 2209107 | 0.16148948253676967 | 1901960.3993100002 | 0.10836426430968696 | 1716006.6059100002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 955855.5746500003 | 0.05915768047228061 | 902467.6799999999 | 1384356.3338100002 | 0.030879196873308378 | 1342889 | 0.2167340355492409 | 1103683.2707599998 | 0.050534973878692255 | 1050591.6492100002 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 955855.5746500003 | 0.05915768047228061 | 902467.6799999999 | 1384356.3338100002 | 0.030879196873308378 | 1342889 | 0.2167340355492409 | 1103683.2707599998 | 0.050534973878692255 | 1050591.6492100002 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 5010926.936509999 | 0.007429747725663278 | 5048156.8595199995 | 0 | 0 | 0 | 0 | 0.05257553732842768 | 4796004.353600001 | 0.37836425527926065 | 3479489.7903299998 | 0.05596887608644487 | 3295068.5092399996 | -0.11066023112967532 | 3705072.71189 Bons B.R.H. | 704000 | 0.07102272727272728 | 754000 | 0 | 0 | 0 | 0 | 0.3962962962962963 | 540000 | -0.2894736842105263 | 760000 | 1.0994475138121547 | 362000 | -0.3038461538461538 | 520000 Prêts nets | 693888.50057 | -0.005058423676306511 | 690378.5185499999 | 0 | 0 | 0 | 0 | -0.060924626646945076 | 735168.3774700001 | 0.0907127934329119 | 674025.62975 | -0.04210354442609281 | 703651.8674100001 | -0.35051526793545307 | 1083400.16735 Dépôts | 4302046.45491 | -0.000289516655167388 | 4300800.94081 | 0 | 0 | 0 | 0 | 0.05850763856647325 | 4063079.73992 | 0.3073311424728687 | 3107919.33881 | 0.09016489440180193 | 2850870.86804 | -0.15105862835716913 | 3358148.11631 Avoir des Actionnaires | -32213.069090000005 | -0.0655331050295764 | -34324.091529999976 | 0 | 0 | 0 | 0 | 0.20742300305014788 | -43306.948929999955 | 0.016855734175009473 | -42589.07873999997 | 0.0882425974709309 | -46710.97664999997 | -2.589688740393656 | -13012.542320000008 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats Revenus nets d'intérêt | 47574.67263000001 | 0.7290336602535505 | 27515.180140000004 | 40734.81641 | 0.6096710481672105 | 25306.298734999997 | 0 | 0 | 22723.630960000002 | 0 | 0 | 39718.28198000001 | 88309.48904000001 | 0.6718480989330309 | 52821.47887500001 Autres revenus | 15035.53852 | -0.1879872666425216 | 18516.382690000002 | 7761.48811 | -0.5710387129574276 | 18093.67965 | 0 | 0 | 16965.78166 | 0 | 0 | 11540.398140000001 | 22797.026630000004 | -0.3773016167445291 | 36610.062340000004 Dot. à la prov. pr créances douteuses | 6000 | 0.3710889237134304 | 4376.08378 | 6000 | 0.40306319844222954 | 4276.35762 | 0 | 0 | 4495 | 0 | 0 | 4478.3 | 12000 | 0.38689179680546587 | 8652.4414 Dépenses d'exploitation | 45343.70129 | 0.2735063339667757 | 35605.39911 | 44607.326960000006 | 0.11993124345921985 | 39830.41568 | 0 | 0 | 41951.48272 | 0 | 0 | 46084.465229999994 | 89951.02825 | 0.19241806428959254 | 75435.81478999999 Bénéfice (perte) net | 11266.509860000013 | 0.8622084289352371 | 6050.0799400000105 | -2111.022440000008 | -1.9867538591445446 | -706.7949150000059 | 0 | 0 | -6757.070099999997 | 0 | 0 | 695.9148900000073 | 9155.48742000002 | 0.7134566801440629 | 5343.285025000019 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | -0.006428564913867153 | -0.009296039089162924 | -0.0067993314164298095 | -0.009403183345437252 | 0 | -0.009871238409613188 | 0 | -0.00902979766844721 | -0.0067993314164298095 | -0.009403183345437252 | -0.00902979766844721 | -0.012240035553017318 | -0.014176025936642439 | -0.0035120882454590645 Dépôts en % de l'actif | 0.8585330637261857 | 0.9038404442881228 | 0.851954695642904 | 0.9075948526935624 | 0 | 0.9127604822455222 | 0 | 0.8471801608916704 | 0.851954695642904 | 0.9075948526935624 | 0.8471801608916704 | 0.8932112252340423 | 0.8651932000945095 | 0.9063649697166052 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.7876574279054495 | 0.6613982938221991 | 0.7988521664770759 | 0.6927974243788257 | 0 | 0.7063589473168886 | 0 | 0.7961267802538988 | 0.7988521664770759 | 0.6927974243788257 | 0.7961267802538988 | 0.6268121401473538 | 0.686357207129491 | 0.37719075218008336 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.613967507096046 | 0.7072635588511462 | 0.6100461869955214 | 0.6757052813221697 | 0 | 0.6377732926295672 | 0 | 0.5864595640785304 | 0.6100461869955214 | 0.6757052813221697 | 0.5864595640785304 | 0.7743802133956389 | 0.6815904003222489 | 0.8843723128116995 Prêts improductifs nets en % de l'avoir des actionnaires | -12.683212813852007 | -7.273032414622171 | -12.221811844831436 | -8.19282912207774 | 0 | -8.25337655367105 | 0 | -10.483773688937786 | -12.221811844831436 | -8.19282912207774 | -10.483773688937786 | -4.349259319139152 | 6.186032494563571 | -5.448785091579863 Rentabilité ROA (rendement de l'actif) | 0.009190650593310024 | 0.006531722237246823 | -0.001678898383038154 | -0.0007165057403698273 | 0 | -0.0064210399709367155 | 0 | 0.0006016324266610527 | 0.0037201696403743826 | 0.0028725536272824507 | -0.00017349300779253164 | 0.0012168757659851144 | 0.0034740274445497024 | -0.014990865276120102 ROE (rendement avoir des action.) | -1.1934859292026445 | -0.6116746548724522 | 0.2538157529211391 | 0 | 0 | 0 | 0 | -0.0637651020503427 | -0.4717436409843026 | -0.2677168440484297 | 0.01671486341039895 | -0.09231568540463884 | -1.4199823704637187 | -1.848055842937219 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7118784669988987 | 0.6339951964672444 | 0.6755788009069311 | 0.618182892741759 | 0 | 0.584805888752053 | 0 | 0.6859355283398211 | 0.6946614384549571 | 0.6263199473027965 | 0.6364740199698565 | 0.6211145821246524 | 0.6597828653859523 | 0.6573058064314096 Rendement moyen des prêts | 0.02774552620463863 | 0.04983533894377613 | 0.033864458885747656 | 0.040084249391138374 | 0 | 0.041304134025451966 | 0 | 0.04254549394858834 | 0.030570398148414713 | 0.045565518764527586 | 0.0443433210471552 | 0.051528077885118886 | 0.06181483617321722 | 0.06146693783202019 Rendement moyen des prêts productifs | 0.133358017075154 | 0.1401877250780673 | 0.16380291492225385 | 0.12410572452539662 | 0 | 0.13755554355462607 | 0 | 0.17058820811638975 | 0.15094501450834905 | 0.1341754964290585 | 0.15485699467589883 | 0.1501073122869796 | 0.10327540148808789 | 0.10012672542382962 Rémunération moyenne des dépôts | 0.01841463685451675 | 0.01907887892862901 | 0.018190588227550767 | 0.01749431707018162 | 0 | 0.016840897903231032 | 0 | 0.017890608519726865 | 0.018563847783927064 | 0.01880670281483534 | 0.018361007040223812 | 0.02046125980401867 | 0.019864949487291603 | 0.01615293422044827 Dépenses d'exploitation en % du produit net bancaire | 0.7242221429563089 | 0.7734996798065479 | 0.9198087854633096 | 0.9177519704426 | 0 | 1.0569942952206883 | 0 | 0.8990568060299869 | 0.8095927381717701 | 0.8435034638243205 | 0.9062650763599059 | 0.8415071941828338 | 0.7914730470838941 | 1.118898252521943 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1979.7695225296445 | 1473.0100105600004 | 1515.50951625 | 1372.3313323320156 | 0 | 1221.212696 | 0 | 1577.1901575384618 | 1689.8329379467684 | 1391.9306025680935 | 1403.7325599610897 | 1219.1182222222224 | 1186.4737313375795 | 924.0659584070797 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 169554.05348 | 0.8137508290609815 | 307528.80507 | 0 | 0 | 0 | 0 | 0.32909588709165344 | 231381.95525 | 0.4799740873707132 | 156341.89627000003 | 0.024116348183256545 | 152660.28762000002 | 0.04097525785933789 | 146651.21622 Avoirs à la BRH | 1931558.9732599999 | -0.03439945667196373 | 1865114.3940499998 | 0 | 0 | 0 | 0 | 0.24728668051065839 | 1495337.37768 | 0.5363393586368321 | 973311.89836 | -0.08443774994338872 | 1063075.61097 | -0.17749454841355675 | 1292484.57736 Avoirs à l'étranger | 2171.276 | -0.6349264718073613 | 792.67539 | 0 | 0 | 0 | 0 | -0.9977595515321052 | 353802.10764 | 1.4681632785554968 | 143346.31372 | 0.6808706082637196 | 85280.99249 | 2.530129620467453 | 24158.03431 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 29196.75036 | 0.09992894291404296 | 32114.35076 | 0 | 0 | 0 | 0 | 4.2066700966478345 | 6167.925020000001 | -0.7457753109329807 | 24261.7074 | -0.3900886572460364 | 39779.0723 | -0.249505709782595 | 53003.8307 2132481.0530999997 | 0.034264863485553174 | 2205550.22527 | 0 | 0 | 0 | 0 | 0.056961453697921396 | 2086689.36559 | 0.6085337132840837 | 1297261.8157499998 | -0.0324688832745703 | 1340795.96338 | -0.11574356407909939 | 1516297.6585900001 Bons B.R.H. | 704000 | 0.07102272727272728 | 754000 | 0 | 0 | 0 | 0 | 0.3962962962962963 | 540000 | -0.2894736842105263 | 760000 | 1.0994475138121547 | 362000 | -0.3038461538461538 | 520000 Bons du Trésor / M.E.F. | 516070.17525 | -0.22297389147562444 | 401000 | 0 | 0 | 0 | 0 | -0.023935090842324026 | 410833.33315 | 1.3190363009379276 | 177156.92203 | 0.28859662071123937 | 137480.51111 | -0.29786704682591053 | 195804.10019 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 35120.15096 | 0.33630216187883694 | 26281.59406 | -0.8824324603779353 | 223544.64628999992 | 4.926235831961716 | 37721.18637 Portefeuille net | 693888.50057 | -0.005058423676306511 | 690378.5185499999 | 0 | 0 | 0 | 0 | -0.060924626646945076 | 735168.3774700001 | 0.0907127934329119 | 674025.62975 | -0.04210354442609281 | 703651.8674100001 | -0.35051526793545307 | 1083400.16735 Immobilisations | 350828.33882999996 | -0.007835136862566702 | 348079.55078 | 0 | 0 | 0 | 0 | -0.01688335804572406 | 354057.22569 | 0.1463423695554987 | 308858.18678 | -0.01680352083258023 | 314136.79089 | -0.004005672340821829 | 315400.18067000003 Autres actifs | 613658.86876 | 0.05783293938489457 | 649148.56492 | 0 | 0 | 0 | 0 | 0.023674206368825938 | 634135.90074 | 1.6880912871406597 | 235905.64195999998 | 0.10515808738848338 | 213458.73016 | 4.856299981071413 | 36449.41872 5010926.936509999 | 0.007429747725663278 | 5048156.8595199995 | 0 | 0 | 0 | 0 | 0.05257553732842768 | 4796004.353600001 | 0.37836425527926065 | 3479489.7903299998 | 0.05596887608644487 | 3295068.5092399996 | -0.11066023112967532 | 3705072.71189 PASSIF Dépôts à vue | 2112346.43763 | -0.04373995462300388 | 2019952.5003 | 0 | 0 | 0 | 0 | 0.07779652806602781 | 1874150.12732 | 0.4034938629581804 | 1335346.15062 | 0.12453651367118705 | 1187463.5766699999 | -0.2353784698363404 | 1553008.29211 Épargne | 498484.99631 | 0.007817037842351958 | 502381.67238999996 | 0 | 0 | 0 | 0 | 0.03934902916270734 | 483361.85274999996 | 0.321016720387748 | 365901.3889 | 0.11050097601271978 | 329492.18128 | -0.05695401746959905 | 349391.42669999995 À terme | 1691215.02097 | 0.051591161424262025 | 1778466.76812 | 0 | 0 | 0 | 0 | 0.04274178369577714 | 1705567.75985 | 0.2124845047088198 | 1406671.79929 | 0.05454371769961506 | 1333915.11009 | -0.08369117054789674 | 1455748.3975 4302046.45491 | -0.000289516655167388 | 4300800.94081 | 0 | 0 | 0 | 0 | 0.05850763856647325 | 4063079.73992 | 0.3073311424728687 | 3107919.33881 | 0.09016489440180193 | 2850870.86804 | -0.15105862835716913 | 3358148.11631 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 | 171202.38641 | -0.1620357371863109 | 143461.48152 | 0 | 0 | 0 | 0 | -0.24836295877822892 | 190865.36939 | 0.5025479212321979 | 127027.80836 | -0.18014913928422804 | 154940.14149 | -0.024350098330962487 | 158807.11024 171202.38641 | -0.1620357371863109 | 143461.48152 | 0 | 0 | 0 | 0 | -0.24836295877822892 | 190865.36939 | 0.5025479212321979 | 127027.80836 | -0.18014913928422804 | 154940.14149 | -0.024350098330962487 | 158807.11024 Obligations à terme Banques locales | 12499.99981 | -1 | 0 | 0 | 0 | 0 | 0 | -1 | 24999.99982 | -0.6666666684444444 | 74999.99986 | -0.40000000064 | 124999.9999 | -0.2857142860408164 | 174999.99994 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 529769.75872 | 0.16288989142849342 | 616063.8972 | 0 | 0 | 0 | 0 | 0.15474534836984624 | 533506.28177 | 1.6411556037587802 | 201997.29278 | -0.025811652169452113 | 207349.32134000002 | 11.802871989902734 | 16195.531869999999 542269.75853 | 0.1360838171577984 | 616063.8972 | 0 | 0 | 0 | 0 | 0.10305634422972001 | 558506.28159 | 1.0162878715058912 | 276997.29264 | -0.16654774077311432 | 332349.32124 | 0.7382692895264475 | 191195.53181000001 Autres passifs | 27621.40575 | -0.1979180306563506 | 22154.631520000003 | 0 | 0 | 0 | 0 | -0.1751785402281309 | 26859.91163 | 1.650362535561277 | 10134.42926 | 1.800219643528294 | 3619.1551200000004 | -0.6356981597611719 | 9934.49585 5043140.0056 | 0.007800883062202237 | 5082480.951049999 | 0 | 0 | 0 | 0 | 0.050248812964950165 | 4839311.30253 | 0.37399288386969387 | 3522078.8690700005 | 0.05395310610448091 | 3341779.4858899997 | -0.10120955884319974 | 3718085.25421 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 165000 | 0 | 0 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 78594.77100000001 | 0 | 78594.77100000001 | 0 | 0 | 0 | 0 | 0 | 78594.77100000001 | 0 | 78594.77100000001 | 0 | 78594.77100000001 | 0.21399704753574963 | 64740.496 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 14325 | 0 | 14325 | 0 | 0 | 0 | 0 | 0 | 14325 | 0 | 14325 | 0 | 14325 | 0 | 14325 BNR | -290132.84009 | -0.007276054786990423 | -292243.86253 | 0 | 0 | 0 | 0 | 0.029820918284033517 | -301226.71992999996 | 0.002388848749782536 | -300508.84974 | -0.013530800622712518 | -304630.74765 | 0.18497382989521788 | -257078.03832 -32213.069090000005 | -0.0655331050295764 | -34324.091529999976 | 0 | 0 | 0 | 0 | 0.20742300305014788 | -43306.948929999955 | 0.016855734175009473 | -42589.07873999997 | -0.0882425974709309 | -46710.97664999997 | 2.589688740393656 | -13012.542320000008 5010926.936509999 | 0.007429747725663278 | 5048156.8595199995 | 0 | 0 | 0 | 0 | 0.05257553732842788 | 4796004.3536 | 0.37836425527926004 | 3479489.7903300007 | 0.05596887608644516 | 3295068.5092399996 | -0.11066023112967532 | 3705072.71189 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 | 240211.306609718 | 244819.008726256 | 0 | 0 | 185921.176250502 | 220689.186544052 | 196835.93807950002 | 238690.841050216 Portefeuille brut | 1343693.29287 | 0.0022011734342161733 | 1346650.99485 | 0 | 0 | 0 | 0 | -0.023482466824218895 | 1379034.11777 | 0.05287313850136827 | 1309781.84108 | -0.009386661518309436 | 1322192.81752 | -0.1866905192923645 | 1625694.58353 Provisions pour créances douteuses | 649804.7923 | 0.009953272239048103 | 656272.4763 | 0 | 0 | 0 | 0 | 0.019269135199240908 | 643865.7403 | 0.012755721179718994 | 635756.21133 | 0.02783204768728483 | 618540.95011 | 0.14059988754280675 | 542294.41618 Portefeuille de crédit improductif | 1058370.002955788 | 0.016445157855981957 | 1075775.064724432 | 0 | 0 | 0 | 0 | -0.020139547709301698 | 1097885.9920405059 | 0.33727547391449525 | 820987.158933496 | -0.09532753455144172 | 907496.5695197 | 0.47994302745767287 | 613196.962776768 [bphcomp ] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 169554.05348 | 0.033836864042980974 | 307528.80507 | 0.06091902720694007 | 0 | 0 | 0 | 0 | 231381.95525 | 0.048244734197607414 | 156341.89627000003 | 0.04493241989227746 | 152660.28762000002 | 0.04632992825245105 | 146651.21622 | 0.039581197893736215 Avoirs à la BRH | 1931558.9732599999 | 0.3854693947314443 | 1865114.3940499998 | 0.36946442948433716 | 0 | 0 | 0 | 0 | 1495337.37768 | 0.31178816102565926 | 973311.89836 | 0.27972833863889274 | 1063075.61097 | 0.3226262543522035 | 1292484.57736 | 0.34884189268736077 Avoirs à l'étranger | 2171.276 | 0.0004333082536446332 | 792.67539 | 0.000157022733654788 | 0 | 0 | 0 | 0 | 353802.10764 | 0.07377018066600112 | 143346.31372 | 0.041197509507968647 | 85280.99249 | 0.024509625729326204 | 24158.03431 | 0.006520259165892782 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 29196.75036 | 0.005826616657942112 | 32114.35076 | 0.006361599223969751 | 0 | 0 | 0 | 0 | 6167.925020000001 | 0.0012860549251524766 | 24261.7074 | 0.006972777292644099 | 39779.0723 | 0.012072305079075566 | 53003.8307 | 0.014305746424329184 2132481.0530999997 | 0.42556618368601196 | 2205550.22527 | 0.4369020786489018 | 0 | 0 | 0 | 0 | 2086689.36559 | 0.4350891308144203 | 1297261.8157499998 | 0.37283104533178285 | 1340795.96338 | 0.4069098896184261 | 1516297.6585900001 | 0.40924909617131894 Bons B.R.H. | 704000 | 0.1404929684507275 | 754000 | 0.14936144438104754 | 0 | 0 | 0 | 0 | 540000 | 0.11259372598247591 | 760000 | 0.218422827999711 | 362000 | 0.10986114521894857 | 520000 | 0.14034812281315312 Bons du Trésor / M.E.F. | 516070.17525 | 0.10298896427522679 | 401000 | 0.07943493262175075 | 0 | 0 | 0 | 0 | 410833.33315 | 0.08566158469844137 | 177156.92203 | 0 | 137480.51111 | 0 | 195804.10019 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35120.15096 | 0.007322793803061904 | 26281.59406 | 0.007553289603849481 | 223544.64628999992 | 0.06784218466570215 | 37721.18637 | 0.01018095711022038 Portefeuille net | 693888.50057 | 0.13847507843594267 | 690378.5185499999 | 0.13675853143272654 | 0 | 0 | 0 | 0 | 735168.3774700001 | 0.15328767934044185 | 674025.62975 | 0.19371392657142253 | 703651.8674100001 | 0.21354696129589604 | 1083400.16735 | 0.29240996104428546 Immobilisations | 350828.33882999996 | 0.07001266298134137 | 348079.55078 | 0.06895180963396151 | 0 | 0 | 0 | 0 | 354057.22569 | 0.07382337453973238 | 308858.18678 | 0.08876536658861914 | 314136.79089 | 0.09533543536624522 | 315400.18067000003 | 0.08512658325377663 Autres actifs | 613658.86876 | 0.12246414217074973 | 649148.56492 | 0.12859120328161194 | 0 | 0 | 0 | 0 | 634135.90074 | 0.1322217108214261 | 235905.64195999998 | 0.06779891770788221 | 213458.73016 | 0.06478127224408872 | 36449.41872 | 0.009837706721120389 5010926.936509999 | 1 | 5048156.8595199995 | 1 | 0 | 0 | 0 | 0 | 4796004.353600001 | 1 | 3479489.7903299998 | 1 | 3295068.5092399996 | 1 | 3705072.71189 | 1 PASSIF Dépôts À vue | 2112346.43763 | 0.42154804178829297 | 2019952.5003 | 0.4001366353128864 | 0 | 0 | 0 | 0 | 1874150.12732 | 0.39077323312127854 | 1335346.15062 | 0.3837764244433532 | 1187463.5766699999 | 0.3603759901623064 | 1553008.29211 | 0.4191573048286528 Épargne | 498484.99631 | 0.09947959781213331 | 502381.67238999996 | 0.09951784113890799 | 0 | 0 | 0 | 0 | 483361.85274999996 | 0.1007842814794729 | 365901.3889 | 0.10515949491126324 | 329492.18128 | 0.09999554800030445 | 349391.42669999995 | 0.09430082858529688 À terme | 1691215.02097 | 0.33750542412575946 | 1778466.76812 | 0.3523002191911097 | 0 | 0 | 0 | 0 | 1705567.75985 | 0.35562264629091883 | 1406671.79929 | 0.40427530587942584 | 1333915.11009 | 0.40482166193189856 | 1455748.3975 | 0.3929068363026555 4302046.45491 | 0.8585330637261857 | 4300800.94081 | 0.851954695642904 | 0 | 0 | 0 | 0 | 4063079.73992 | 0.8471801608916704 | 3107919.33881 | 0.8932112252340423 | 2850870.86804 | 0.8651932000945095 | 3358148.11631 | 0.9063649697166052 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 | 171202.38641 | 0.0341658117508372 | 143461.48152 | 0.028418586330069176 | 0 | 0 | 0 | 0 | 190865.36939 | 0.03979674648266983 | 127027.80836 | 0.036507596232363854 | 154940.14149 | 0.047021827028942906 | 158807.11024 | 0.04286207656070282 171202.38641 | 0.0341658117508372 | 143461.48152 | 0.028418586330069176 | 0 | 0 | 0 | 0 | 190865.36939 | 0.03979674648266983 | 127027.80836 | 0.036507596232363854 | 154940.14149 | 0.047021827028942906 | 158807.11024 | 0.04286207656070282 Obligations à terme Banques locales | 12499.99981 | 0.0024945484075858376 | 0 | 0 | 0 | 0 | 0 | 0 | 24999.99982 | 0.005212672461657458 | 74999.99986 | 0.02155488430184096 | 124999.9999 | 0.03793547829111176 | 174999.99994 | 0.0472325413151556 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 529769.75872 | 0.10572290624715695 | 616063.8972 | 0.12203739193210768 | 0 | 0 | 0 | 0 | 533506.28177 | 0.11123974092507585 | 201997.29278 | 0.05805371044380684 | 207349.32134000002 | 0.06292716547730436 | 16195.531869999999 | 0.004371177876759799 542269.75853 | 0.10821745465474278 | 616063.8972 | 0.12203739193210768 | 0 | 0 | 0 | 0 | 558506.28159 | 0.11645241338673332 | 276997.29264 | 0.0796085947456478 | 332349.32124 | 0.10086264376841611 | 191195.53181000001 | 0.0516037191919154 Autres passifs | 27621.40575 | 0.005512234782101553 | 22154.631520000003 | 0.004388657511348916 | 0 | 0 | 0 | 0 | 26859.91163 | 0.005600476907373589 | 10134.42926 | 0.0029126193409634454 | 3619.1551200000004 | 0.001098355044774092 | 9934.49585 | 0.0026813227762356923 5043140.0056 | 1.0064285649138671 | 5082480.951049999 | 1.0067993314164299 | 0 | 0 | 0 | 0 | 4839311.30253 | 1.009029797668447 | 3522078.8690700005 | 1.0122400355530174 | 3341779.4858899997 | 1.0141760259366426 | 3718085.25421 | 1.0035120882454591 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.03292803948063926 | 165000 | 0.03268519671468547 | 0 | 0 | 0 | 0 | 165000 | 0.034403638494645415 | 165000 | 0.04742074555256883 | 165000 | 0.05007483138432739 | 165000 | 0.0445335389695582 Réserves | 78594.77100000001 | 0.01568467710581698 | 78594.77100000001 | 0.015569003338670648 | 0 | 0 | 0 | 0 | 78594.77100000001 | 0.01638755205486934 | 78594.77100000001 | 0.0225880159839601 | 78594.77100000001 | 0.023852241851604998 | 64740.496 | 0.017473475160754707 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 14325 | 0.0028587525185464085 | 14325 | 0.0028376693511386023 | 0 | 0 | 0 | 0 | 14325 | 0.002986861342035125 | 14325 | 0.004116982909336658 | 14325 | 0.0043474058156393325 | 14325 | 0.0038663208832661893 BNR | -290132.84009 | -0.057900034018869805 | -292243.86253 | -0.05789120082092453 | 0 | 0 | 0 | 0 | -301226.71992999996 | -0.06280784955999709 | -300508.84974 | -0.08636577999888291 | -304630.74765 | -0.09245050498821417 | -257078.03832 | -0.06938542325903815 -32213.069090000005 | -0.006428564913867153 | -34324.091529999976 | -0.0067993314164298095 | 0 | 0 | 0 | 0 | -43306.948929999955 | -0.00902979766844721 | -42589.07873999997 | -0.012240035553017318 | -46710.97664999997 | -0.014176025936642439 | -13012.542320000008 | -0.0035120882454590645 5010926.936509999 | 1 | 5048156.8595199995 | 1 | 0 | 0 | 0 | 0 | 4796004.3536 | 0.9999999999999998 | 3479489.7903300007 | 1.0000000000000002 | 3295068.5092399996 | 1 | 3705072.71189 | 1 [bphgdes&$] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 98931.06607 | 208597.739 | 307528.80507 | 0.3216969091642691 | 134032.44975 | 97349.5055 | 231381.95525 | 0.5792692416536228 Avoirs à la BRH | 1384298.41128 | 480815.98277 | 1865114.3940499998 | 0.7422056339794082 | 912569.59153 | 582767.78615 | 1495337.37768 | 0.6102767209269135 Avoirs à l'étranger | 792.67539 | 0 | 792.67539 | 1 | 353802.10764 | 0 | 353802.10764 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 22582.00442 | 9532.34634 | 32114.35076 | 0.70317486997517 | 1498.75149 | 4669.17353 | 6167.925020000001 | 0.2429911980350241 1506604.1571599997 | 698946.06811 | 2205550.22527 | 0.6830967347277542 | 1401902.90041 | 684786.46518 | 2086689.36559 | 0.6718311424439639 Bons B.R.H. | 0 | 754000 | 754000 | 0 | 0 | 540000 | 540000 | 0 Bons du Trésor / M.E.F. | 401000 | 401000 | 0 | 410833.33315 | 410833.33315 | 0 Autres Placements | 0 | 0 | 0 | #DIV/0! | 35120.15096 | 0 | 35120.15096 | 1 Portefeuille net | 702043.59107 | -11665.072520000045 | 690378.5185499999 | 1.016896633088324 | 719700.4525 | 15467.924970000051 | 735168.3774700001 | 0.9789600240651928 Immobilisations | 0 | 348079.55078 | 348079.55078 | 0 | 0 | 354057.22569 | 354057.22569 | 0 Autres actifs | 596024.93359 | 53123.631330000004 | 649148.56492 | 0.91816413961179 | 564441.09798 | 69694.80275999999 | 634135.90074 | 0.8900948476838006 2804672.6818199996 | 2243484.1777 | 5048156.8595199995 | 0.5555835050035827 | 2721164.60185 | 2074839.7517500003 | 4796004.353600001 | 0.5673815954331705 PASSIF Dépôts À vue | 1415236.78102 | 604715.71928 | 2019952.5003 | 0.7006287429084652 | 1342143.20484 | 532006.92248 | 1874150.12732 | 0.7161343081726542 Épargne | 258460.32033 | 243921.35206 | 502381.67238999996 | 0.5144700424687402 | 254214.5293 | 229147.32345 | 483361.85274999996 | 0.5259300622374156 À terme | 1110314.58625 | 668152.18187 | 1778466.76812 | 0.6243099990131965 | 1051122.04166 | 654445.71819 | 1705567.75985 | 0.6162886438193715 2784011.6876 | 1516789.25321 | 4300800.94081 | 0.6473240045087201 | 2647479.7758 | 1415599.9641200001 | 4063079.73992 | 0.6515943435193638 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 | 23602.692900000002 | 119858.78861999999 | 143461.48152 | 0.16452285763345853 | 70498.37067 | 120366.99872 | 190865.36939 | 0.369361770002126 23602.692900000002 | 119858.78861999999 | 143461.48152 | 0.16452285763345853 | 70498.37067 | 120366.99872 | 190865.36939 | 0.369361770002126 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 24999.99982 | 24999.99982 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4042.84759 | 612021.04961 | 616063.8972 | 0.006562383558547537 | 5598.972 | 527907.30977 | 533506.28177 | 0.01049466930628152 4042.84759 | 612021.04961 | 616063.8972 | 0.006562383558547537 | 5598.972 | 552907.3095900001 | 558506.28159 | 0.010024904257227693 Autres passifs | 255.22012 | 21899.4114 | 22154.631520000003 | 0.01151994425046524 | 265.12252 | 26594.789109999998 | 26859.91163 | 0.00987056560915424 2811912.44821 | 2270568.50284 | 5082480.95105 | 0.5532558754851961 | 2723842.2409900003 | 2115469.06154 | 4839311.30253 | 0.5628574131128888 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 165000 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 78594.77100000001 | 78594.77100000001 | 0 | 0 | 78594.77100000001 | 78594.77100000001 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 14325 | 14325 | 0 | 0 | 14325 | 14325 | 0 BNR | 0 | -292243.86253 | -292243.86253 | 0 | 0 | -301226.71992999996 | -301226.71992999996 | 0 0 | -34324.091529999976 | -34324.091529999976 | 0 | 0 | -43306.948929999955 | -43306.948929999955 0 2811912.44821 | 2236244.4113100003 | 5048156.85952 | 0.557017645540707 | 2723842.2409900003 | 2072162.1126100002 | 4796004.353600001 | 0.5679399016694837 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [BPHRÉSULT ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 9442.93809 | 0.20602100548135655 | 11388.38169 | 0 | 0 | 0 | 0 | 16709.44593 | -0.18114620213502206 | 13682.59326 | 0.04810888093299939 | 14340.84751 | 0.03777882999050189 | 14882.627950000002 Intérêts sur Bons B.R.H. | 30621.446480000002 | -0.06688731936088488 | 28573.260009999998 | 0 | 0 | 0 | 0 | 21672.39561 | -0.12004175619605167 | 19070.80318 | -0.28594623669122254 | 13617.57878 | 0.4093268854949853 | 19191.61989 Autres | 26765.3832 | -0.24026749858003155 | 20334.53153 | 0 | 0 | 0 | 0 | 5017.82504 | 0.6308245215341347 | 8183.19212 | 0.3317884219489644 | 10898.28052 | 1.1865434887888169 | 23829.56431 66829.76777 | -0.0977647350576751 | 60296.17323 | 0 | 0 | 0 | 0 | 0 | 43399.666580000005 | -0.05675338577681782 | 40936.58856 | -0.050807402941052335 | 38856.70681 | 0.49018835881115164 | 57903.812150000005 Dépenses d'intérêt | 19255.095139999998 | 0.01590548775652548 | 19561.35682 | 0 | 0 | 0 | 0 | 15884.48644 | -0.016002822373903623 | 15630.289825 | 0.032167415360130805 | 16133.075850000001 | 0.1272202733739702 | 18185.530169999998 47574.67263000001 | -0.14377095714762478 | 40734.81641 | 0 | 0 | 0 | 0 | 27515.180140000004 | -0.08027864596055692 | 25306.298734999997 | -0.10205632210561173 | 22723.630960000002 | 0.7478844842144894 | 39718.28198000001 AUTRES REVENUS Commissions | 6489.85379 | -0.5674640106183347 | 2807.09533 | 0 | 0 | 0 | 0 | 5244.3247200000005 | 0.2744097813988908 | 6683.41872 | -0.06923840617904613 | 6220.669459999999 | -0.12835602102542815 | 5422.2090800000005 Gains sur change | 7205.401080000001 | -0.3990275000763733 | 4330.2479 | 0 | 0 | 0 | 0 | 11624.646270000001 | -0.19084674823400033 | 9406.12033 | -0.10305207311758897 | 8436.80013 | -0.44886672691628643 | 4649.80127 Autres | 1340.28365 | -0.5343188137824407 | 624.1448800000001 | 0 | 0 | 0 | 0 | 1647.4117 | 0.21653901086170496 | 2004.1406 | 0.1517715224171398 | 2308.31207 | -0.36386946588205454 | 1468.3877900000002 15035.53852 | -0.4837904808214345 | 7761.48811 | 0 | 0 | 0 | 0 | 18516.382690000002 | -0.022828597090310185 | 18093.67965 | -0.06233657342330573 | 16965.78166 | -0.31978388197647 | 11540.398140000001 PRODUIT NET BANCAIRE | 62610.21115000001 | -0.22542499651033376 | 48496.30452 | 0 | 0 | 0 | 0 | 46031.56283000001 | -0.05716913098776956 | 43399.978384999995 | -0.08549694960867646 | 39689.41262 | 0.2914950546325319 | 51258.680120000005 Dotation à la provision pour créances douteuses | 6000 | 0 | 6000 | 0 | 0 | 0 | 0 | 4376.08378 | -0.022788905563412263 | 4276.35762 | 0.051128179499636946 | 4495 | -0.0037152391546162 | 4478.3 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 56610.21115000001 | -0.24931732885790533 | 42496.30452 | 0 | 0 | 0 | 0 | 41655.47905000001 | -0.060780918686854375 | 39123.62076499999 | -0.1004305856199041 | 35194.41262 | 0.3291990585294217 | 46780.38012 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 22119.53805 | 0.08012346894378304 | 23891.83217 | 0 | 0 | 0 | 0 | 19801.63016 | 0.08029265606685779 | 21391.55564 | -0.0381076329238859 | 20576.374089999998 | -0.0274220869785907 | 20012.126969999998 Frais de locaux | 6172.87354 | -0.1473448490571216 | 5263.33242 | 0 | 0 | 0 | 0 | 3653.83424 | 0.1109286501185123 | 4059.1491400000004 | 0.1839383758143953 | 4805.78244 | 0.1255369312972894 | 5409.08562 Amortissement | 3516.49334 | 0.0063122144289344834 | 3538.6902 | 0 | 0 | 0 | 0 | 1890.98002 | -0.07378037764777662 | 1751.4627999999998 | 0.45843914012903964 | 2554.4019 | 0.3568726362128059 | 3465.99804 Autres dépenses d'exploitation | 13534.79636 | -0.11978933017356452 | 11913.472170000001 | 0 | 0 | 0 | 0 | 10258.95469 | 0.23094881316802057 | 12628.248099999999 | 0.10980748707336532 | 14014.924289999999 | 0.22706724946567666 | 17197.2546 45343.70129 | -0.01623983726627076 | 44607.326960000006 | 0 | 0 | 0 | 0 | 35605.39911 | 0.11866224436769135 | 39830.41568 | 0.0532524454939357 | 41951.48272 | 0.0985181510170946 | 46084.465229999994 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 11266.509860000013 | -1.1873714634107644 | -2111.022440000008 | 0 | 0 | 0 | 0 | 6050.0799400000105 | -1.1168240621627232 | -706.7949150000059 | -8.560156640345864 | -6757.070099999997 | 1.1029906275502466 | 695.9148900000073 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 11266.509860000013 | -1.1873714634107644 | -2111.022440000008 | 0 | 0 | 0 | 0 | 6050.0799400000105 | -1.1168240621627232 | -706.7949150000059 | -8.560156640345864 | -6757.070099999997 | 1.1029906275502466 | 695.9148900000073 0 | 0 | 0 0 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 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 | 9442.93809 | -0.434874254385286 | 16709.44593 | 11388.38169 | -0.16767373891811496 | 13682.59326 | 0 | 0 | 14340.84751 | 0 | 0 | 14882.627950000002 | 20831.319779999998 | -0.31457972761320346 | 30392.039190000003 | 59615.514650000005 Intérêts sur Bons B.R.H. | 30621.446480000002 | 0.4129239347158633 | 21672.39561 | 28573.260009999998 | 0.4982725027525558 | 19070.80318 | 0 | 0 | 13617.57878 | 0 | 0 | 19191.61989 | 59194.70649 | 0.4528733199153901 | 40743.198789999995 | 73552.39746 Autres | 26765.3832 | 4.3340606710352745 | 5017.82504 | 20334.53153 | 1.4849143502694644 | 8183.19212 | 0 | 0 | 10898.28052 | 0 | 0 | 23829.56431 | 47099.914730000004 | 2.5679004245760715 | 13201.01716 | 47928.861990000005 66829.76777 | 0.5398682302503532 | 43399.666580000005 | 60296.17323 | 0.4729164141663886 | 40936.58856 | 0 | 0 | 38856.70681 | 0 | 0 | 57903.812150000005 | 127125.941 | 0.5073700010626295 | 84336.25514000001 | 181096.7741 Dépenses d'intérêt | 19255.095139999998 | 0.21219500628690122 | 15884.48644 | 19561.35682 | 0.25150314159321746 | 15630.289825 | 0 | 0 | 16133.075850000001 | 0 | 0 | 18185.530169999998 | 38816.45196 | 0.2316905452097138 | 31514.776265 | 65833.382285 47574.67263000001 | 0.7290336602535505 | 27515.180140000004 | 40734.81641 | 0.6096710481672105 | 25306.298734999997 | 0 | 0 | 22723.630960000002 | 0 | 0 | 39718.28198000001 | 88309.48904000001 | 0.6718480989330309 | 52821.47887500001 | 115263.39181500001 AUTRES REVENUS Commissions | 6489.85379 | 0.23750037163983992 | 5244.3247200000005 | 2807.09533 | -0.5799911022184167 | 6683.41872 | 0 | 0 | 6220.669459999999 | 0 | 0 | 5422.2090800000005 | 9296.949120000001 | -0.22056094124036582 | 11927.74344 | 23570.62198 Gains sur change | 7205.401080000001 | -0.38016169157807844 | 11624.646270000001 | 4330.2479 | -0.5396350729015179 | 9406.12033 | 0 | 0 | 8436.80013 | 0 | 0 | 4649.80127 | 11535.648980000002 | -0.4514869952481903 | 21030.766600000003 | 34117.368 Autres | 1340.28365 | -0.18643065968270106 | 1647.4117 | 624.1448800000001 | -0.6885723087491965 | 2004.1406 | 0 | 0 | 2308.31207 | 0 | 0 | 1468.3877900000002 | 1964.4285300000001 | -0.46202919509053725 | 3651.5523000000003 | 7428.25216 15035.53852 | -0.1879872666425216 | 18516.382690000002 | 7761.48811 | -0.5710387129574276 | 18093.67965 | 0 | 0 | 16965.78166 | 0 | 0 | 11540.398140000001 | 22797.026630000004 | -0.3773016167445291 | 36610.062340000004 | 65116.24214 PRODUIT NET BANCAIRE | 62610.21115000001 | 0.3601582762077165 | 46031.56283000001 | 48496.30452 | 0.11742692795352652 | 43399.978384999995 | 0 | 0 | 39689.41262 | 0 | 0 | 51258.680120000005 | 111106.51567000002 | 0.24236387029148682 | 89431.541215 | 180379.63395500003 Dotation à la provision pour créances douteuses | 6000 | 0.3710889237134304 | 4376.08378 | 6000 | 0.40306319844222954 | 4276.35762 | 0 | 0 | 4495 | 0 | 0 | 4478.3 | 12000 | 0.38689179680546587 | 8652.4414 | 17625.7414 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 56610.21115000001 | 0.35900996558098636 | 41655.47905000001 | 42496.30452 | 0.08620581860913062 | 39123.62076499999 | 0 | 0 | 35194.41262 | 0 | 0 | 46780.38012 | 99106.51567000002 | 0.2268831405273566 | 80779.09981500001 | 162753.89255500003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 22119.53805 | 0.11705641764193007 | 19801.63016 | 23891.83217 | 0.11688147286141004 | 21391.55564 | 0 | 0 | 20576.374089999998 | 0 | 0 | 20012.126969999998 | 46011.37022 | 0.11696556909662466 | 41193.1858 | 81781.68685999999 Frais de locaux | 6172.87354 | 0.6894235300613963 | 3653.83424 | 5263.33242 | 0.2966590382535191 | 4059.1491400000004 | 0 | 0 | 4805.78244 | 0 | 0 | 5409.08562 | 11436.20596 | 0.482721457646911 | 7712.983380000001 | 17927.85144 Amortissement | 3516.49334 | 0.8596142226822683 | 1890.98002 | 3538.6902 | 1.0204198456284659 | 1751.4627999999998 | 0 | 0 | 2554.4019 | 0 | 0 | 3465.99804 | 7055.18354 | 0.9369373490947486 | 3642.4428199999998 | 9662.84276 Autres dépenses d'exploitation | 13534.79636 | 0.3193153463474357 | 10258.95469 | 11913.472170000001 | -0.05660135312039031 | 12628.248099999999 | 0 | 0 | 14014.924289999999 | 0 | 0 | 17197.2546 | 25448.26853 | 0.11189946467023032 | 22887.20279 | 54099.38168 45343.70129 | 0.2735063339667757 | 35605.39911 | 44607.326960000006 | 0.11993124345921985 | 39830.41568 | 0 | 0 | 41951.48272 | 0 | 0 | 46084.465229999994 | 89951.02825 | 0.19241806428959254 | 75435.81478999999 | 163471.76273999998 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 11266.509860000013 | 0.8622084289352371 | 6050.0799400000105 | -2111.022440000008 | -1.9867538591445446 | -706.7949150000059 | 0 | 0 | -6757.070099999997 | 0 | 0 | 695.9148900000073 | 9155.48742000002 | 0.7134566801440629 | 5343.285025000019 | -717.8701849999488 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 11266.509860000013 | 0.8622084289352371 | 6050.0799400000105 | -2111.022440000008 | -1.9867538591445446 | -706.7949150000059 | 0 | 0 | -6757.070099999997 | 0 | 0 | 695.9148900000073 | 9155.48742000002 | 0.7134566801440629 | 5343.285025000019 | -717.8701849999488 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 20831.319779999998 | -0.31457972761320346 | 30392.039190000003 | 59615.514650000005 | -0.12084865042680461 | 67810.29759999999 | -0.31921439813918023 | 99605.95144 | 0.11583657959829385 | 89265.7162 Intérêts sur bons B.R.H. | 59194.70649 | 0.4528733199153901 | 40743.198789999995 | 73552.39746 | -0.08651980287699666 | 80518.87462 | 0.32569484432100954 | 60737.110779999995 | 0.5424936752255748 | 39375.92209 Autres | 47099.914730000004 | 2.5679004245760715 | 13201.01716 | 47928.861990000005 | 2.8130947789430683 | 12569.54384 | -0.6444518966863316 | 35352.58302 | 1.6620583400599487 | 13280.168389999999 127125.941 | 0.5073700010626295 | 84336.25514000001 | 181096.7741 | 0.12553274839351755 | 160898.71606 | -0.17781146400741432 | 195695.64523999998 | 0.3788976466544512 | 141921.80668 Dépenses d'intérêt | 38816.45196 | 0.2316905452097138 | 31514.776265 | 65833.382285 | 0.07990536482031393 | 60962.17727 | -0.08436343929219461 | 66579.01168 | 0.3689307116227382 | 48635.77909 88309.48904000001 | 0.6718480989330309 | 52821.47887500001 | 115263.39181500001 | 0.153365858079264 | 99936.53879 | -0.22599795212628515 | 129116.63355999999 | 0.38409402667973513 | 93286.02759000001 AUTRES REVENUS Commissions | 9296.949120000001 | -0.22056094124036582 | 11927.74344 | 23570.62198 | 0.08426154965981307 | 21738.87102 | -0.11343121264704259 | 24520.230499999998 | -0.3201352783104565 | 36066.33749 Gains sur change | 11535.648980000002 | -0.4514869952481903 | 21030.766600000003 | 34117.368 | 0.46999387135888515 | 23209.19064 | 0.5185509621958498 | 15283.77461 | -0.09123319204863237 | 16818.14793 Autres | 1964.4285300000001 | -0.46202919509053725 | 3651.5523000000003 | 7428.25216 | -0.47726383266936023 | 14210.32755 | -0.18123169144676754 | 17355.73715 | 0.6594597810187078 | 10458.666940000001 22797.026630000004 | -0.3773016167445291 | 36610.062340000004 | 65116.24214 | 0.10071019528356089 | 59158.38921 | 0.034965989540485416 | 57159.74226 | -0.0976176566783043 | 63343.15236 PRODUIT NET BANCAIRE | 111106.51567000002 | 0.24236387029148682 | 89431.541215 | 180379.63395500003 | 0.13378620061979607 | 159094.928 | -0.14591999495558994 | 186276.37582 | 0.18928271143004197 | 156629.17995000002 Dotation à la provision pour créances douteuses | 12000 | 0.38689179680546587 | 8652.4414 | 17625.7414 | -0.16439953658111164 | 21093.50362 | -0.1769351625967634 | 25627.99753 | -0.20444927135165553 | 32214.15883 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 99106.51567000002 | 0.2268831405273566 | 80779.09981500001 | 162753.89255500003 | 0.17936386009206504 | 138001.42438 | -0.14097219126058058 | 160648.37829 | 0.2912297634467497 | 124415.02112000002 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 46011.37022 | 0.11696556909662466 | 41193.1858 | 81781.68685999999 | 0.008998872116133328 | 81052.30750999998 | -0.02961834865161582 | 83526.21609999999 | -0.15674384706922376 | 99052.00906 Frais de locaux | 11436.20596 | 0.482721457646911 | 7712.983380000001 | 17927.85144 | 0.32484351087468327 | 13532.052119999998 | 0.06034050400411888 | 12761.987369999999 | 0.037118418801289965 | 12305.23645 Amortissement | 7055.18354 | 0.9369373490947486 | 3642.4428199999998 | 9662.84276 | 0.14413344896195934 | 8445.55569 | -0.07214504428338894 | 9102.23698 | 0.26918432844687096 | 7171.721849999999 Autres dépenses d'exploitation | 25448.26853 | 0.11189946467023032 | 22887.20279 | 54099.38168 | 0.7536487386162728 | 30849.611149999997 | -0.26622429665006897 | 42042.29032 | -0.25881599451514786 | 56723.14838 89951.02825 | 0.19241806428959254 | 75435.81478999999 | 163471.76273999998 | 0.22103630816644013 | 133879.52646999998 | -0.09192805579341445 | 147432.73077 | -0.15873922464520876 | 175252.11573999998 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 9155.48742000002 | 0.7134566801440629 | 5343.285025000019 | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 | -0.6881047331383404 | 13215.647519999999 | 1.2599607160634392 | -50837.09461999996 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 9155.48742000002 | 0.7134566801440629 | 5343.285025000019 | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 | -0.6881047331383404 | 13215.647519999999 | 1.2599607160634392 | -50837.09461999996 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 29306832.13639371 | 0.015977471654133924 | 29775081.216125403 | 0 | 0 | 0 | 0 | 0.03380596047873241 | 28801421.49919239 | 0.34745520166920657 | 21374678.329575364 | 0.2547414172987577 | 17035126.150208198 | 0.33209101684152637 | 12788259.91229907 Bons B.R.H. | 400000 | 0.49925 | 599700 | 0 | 0 | 0 | 0 | 0.999 | 300000 | -0.5714285714285714 | 700000 | 0 | 300000 | 0 | 0 Prêts nets | 14435059.595338501 | 0.01225119392694658 | 14611906.309788024 | 0 | 0 | 0 | 0 | -0.03253004793271722 | 15103214.604820965 | 0.3496547395835216 | 11190428.308710668 | 0.31205513673640367 | 8528931.441513699 | 0.3623195764898413 | 6260595.229417007 Dépôts | 22459452.628602646 | 0.03468465686113128 | 23238451.036314562 | 0 | 0 | 0 | 0 | 0.04857959998674257 | 22161837.82004568 | 0.45906658962962615 | 15189051.670130633 | 0.15774645750215133 | 13119497.426838301 | 0.3780755414834375 | 9520158.388933992 Avoir des Actionnaires | 2978387.9330399996 | -0.10633773692729805 | 2661672.900548953 | 0 | 0 | 0 | 0 | -0.06383486908506121 | 2843166.031988 | 0.11504090519813354 | 2549831.14855575 | 0.9089691291639808 | 1335711.0440399998 | 0.29451281392693834 | 1031825.27795 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats Revenus nets d'intérêt | 408859.03975 | 0.34441394241440426 | 304116.92920689203 | 370534.42564000003 | 0.1536102770532814 | 321195.49644310796 | 0 | 0 | 357926.65634999995 | 0 | 0 | 404708.51187999995 | 779393.46539 | 0.24640648965169024 | 625312.42565 Autres revenus | 148066.18763 | 0.19832976659805018 | 123560.46871000002 | 180541.12177000032 | 0.13475340961315949 | 159101.6341 | 0 | 0 | 146133.32772 | 0 | 0 | 141568.62487 | 328607.3094000004 | 0.1625446288457135 | 282662.10281 Dot. à la prov. pr créances douteuses | 44894.39673 | 1.607025298519731 | 17220.545100000003 | 40530.58921 | 0.4691839458906453 | 27587.14409 | 0 | 0 | 39238.65016999999 | 0 | 0 | 90616.51928000001 | 85424.98594 | 0.9064805055616391 | 44807.689190000005 Dépenses d'exploitation | 318266.92823 | 0.24116393983344137 | 256426.18031 | 345394.07071 | 0.255773539582753 | 275044.87061 | 0 | 0 | 304675.5424499999 | 0 | 0 | 336014.37189 | 663660.9989400001 | 0.24872464415733175 | 531471.05092 Bénéfice (perte) net | 135634.73169400005 | 0.257956608683443 | 107821.47075482449 | 115605.62124300025 | -0.07043717216923237 | 124365.58109017558 | 0 | 0 | 112102.05401500006 | 0 | 0 | 83752.37190599991 | 251240.35293700016 | 0.08206013617296613 | 232187.05184499992 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.10162776785899653 | 0.11322574370854148 | 0.08939263275988853 | 0.10830887649435762 | 0 | 0.10129024903766888 | 0 | 0.09871617038303905 | 0.08939263275988853 | 0.10830887649435762 | 0.09871617038303905 | 0.11929214134781348 | 0.07840922528323485 | 0.08068535399078378 Dépôts en % de l'actif | 0.7663555216093153 | 0.7194887883012883 | 0.780466419810443 | 0.7185365179437421 | 0 | 0.7442051552445597 | 0 | 0.7694702784259142 | 0.780466419810443 | 0.7185365179437421 | 0.7694702784259142 | 0.7106096024431907 | 0.7701438375716377 | 0.7444451750451215 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.010855113704688618 | 0.0038796978148041023 | 0.015891180976495802 | 0.007933027024409041 | 0 | 0.009953145758146448 | 0 | 0.019326044763293113 | 0.015891180976495802 | 0.007933027024409041 | 0.019326044763293113 | 0.004006696394098167 | 0.00462425113002612 | 0.006869572485882122 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.501234252109502 | 1.6347844686883928 | 2.231108488694012 | 1.0039119647752235 | 0 | 0.9351394003336949 | 0 | 0.7068216033211133 | 2.231108488694012 | 1.0039119647752235 | 0.7068216033211133 | 1.4643396877697732 | 1.1535657765827423 | 1.204542636794695 Prêts improductifs nets en % de l'avoir des actionnaires | -0.026806988526566714 | -0.011884878881267616 | -0.1113479378397061 | -0.00014773778587604864 | 0 | 0.003455499452066808 | 0 | 0.030515149453333168 | -0.1113479378397061 | -0.00014773778587604864 | 0.030515149453333168 | -0.008213213435020567 | -0.004558698291423022 | -0.008596697155750272 Rentabilité ROA (rendement de l'actif) | 0.01867338606244892 | 0.019490123891151324 | 0.015653605603897877 | 0.020353999467605036 | 0 | 0.01681171770981441 | 0 | 0.011933237697431322 | 0.01715639147376415 | 0.019604791364183943 | 0.01706156832542766 | 0.018998121490414625 | 0.01595204472594101 | 0.01744300692167167 ROE (rendement avoir des action.) | 0.18638972687884062 | 0.16779320088499758 | 0.16397783591910184 | 0.18401497573904185 | 0 | 0.16055358059987018 | 0 | 0.11936837280339284 | 0.18255963963051966 | 0.17308863179837541 | 0.15873973726900506 | 0.18780239558858375 | 0.20307561796852 | 0.23562061642520515 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7542461032491434 | 0.7526942308994241 | 0.7480743635451061 | 0.75813368793518 | 0 | 0.7566172339256508 | 0 | 0.7638198684574243 | 0.7512993238108773 | 0.7554784552531377 | 0.7581870521830335 | 0.7081852736079371 | 0.6925680448020417 | 0.7449085998425536 Rendement moyen des prêts | 0.142724664788435 | 0.12967509612364925 | 0.1256322454387969 | 0.12706644950070067 | 0 | 0.13170603987034732 | 0 | 0.13865615005896373 | 0.1317500317774254 | 0.1292097473675441 | 0.13427588350274616 | 0.12747944891409832 | 0.15429302130494896 | 0.14585129355671123 Rendement moyen des prêts productifs | 0.1449247266075275 | 0.13018801943842573 | 0.12734029101501654 | 0.12783048532478195 | 0 | 0.13290134426501235 | 0 | 0.14072697569061593 | 0.13411280757851907 | 0.13000811613628088 | 0.13602181467745952 | 0.12802659839796074 | 0.15543838118523812 | 0.1473249912107327 Rémunération moyenne des dépôts | 0.023884095725704935 | 0.02525444590459379 | 0.021844890168263447 | 0.02332546952140637 | 0 | 0.02359804999735241 | 0 | 0.023548610050346138 | 0.022731186419212047 | 0.02390202117357829 | 0.02370310842082762 | 0.02716349695726138 | 0.03212641294506299 | 0.023940048805936875 Dépenses d'exploitation en % du produit net bancaire | 0.5714715595256036 | 0.5995785177308568 | 0.6267635577976874 | 0.5726556606719388 | 0 | 0.6044430267801003 | 0 | 0.6150987278894205 | 0.598971601861726 | 0.5853369607420804 | 0.5985569077786781 | 0.6063052807866371 | 0.7252914112208851 | 0.7253859185085992 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5854.667304914587 | 5439.458161105145 | 5732.9055647334235 | 5473.471573140831 | 0 | 5562.041203531034 | 0 | 5796.043891246683 | 5770.8373686979185 | 5774.082851891892 | 5952.315043404255 | 5492.893104321223 | 4640.315959149691 | 4019.023697366072 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 829114.3198427279 | 0.22068552559657148 | 1012087.8492968641 | 0 | 0 | 0 | 0 | -0.3636313191798524 | 1590411.1559866401 | 1.510231698024057 | 633571.457662072 | 0.4928218498417709 | 424411.9669934 | 0.09418542159707534 | 387879.38370987197 Avoirs à la BRH | 10204980.17610909 | -0.002613347875316418 | 10178311.01284821 | 0 | 0 | 0 | 0 | 0.12219078744358802 | 9070036.153152673 | 0.36011203590187385 | 6668594.875817301 | 0.09845840529445361 | 6070866.9929379 | 0.39671531997681236 | 4346531.398423185 Avoirs à l'étranger | 1675414.86728385 | -0.23433337766821574 | 1282809.24243768 | 0 | 0 | 0 | 0 | 0.30039184008477116 | 986479.0003250521 | 0.6914201181762271 | 583225.29673392 | 0.0869496164539443 | 536570.6817549 | 0.19086302597662777 | 450572.96267541597 Avoirs dans les banques locales | 33844.697725668004 | 0.6530260895100897 | 55946.16833211201 | 0 | 0 | 0 | 0 | 0.9958293006122786 | 28031.539728848 | 0.3978477700396635 | 20053.356545436 | -0.835573183951334 | 121959.1610866 | -0.4084306727336947 | 206162.07681047998 Autres liquidités | 8831.204434038 | 1.0588927543245867 | 18182.5028212 | 0 | 0 | 0 | 0 | 3.1093160740770984 | 4424.70291733 | -0.9815620704686021 | 239978.29635888204 | 9.968571187788958 | 21878.719866999996 | 22.901261133336103 | 915.3793076000001 12752185.265395373 | -0.016063794980707424 | 12547336.775736064 | 0 | 0 | 0 | 0 | 0.07431507785218278 | 11679382.552110543 | 0.43385827183683584 | 8145423.283117611 | 0.1351418602633163 | 7175687.522639801 | 0.3307874772279581 | 5392061.2009265525 Bons B.R.H. | 400000 | 0.49925 | 599700 | 0 | 0 | 0 | 0 | 0.999 | 300000 | -0.5714285714285714 | 700000 | 1.3333333333333333 | 300000 | 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 | 324167.721583674 | 0.8784987191473975 | 608948.6497838618 | 0 | 0 | 0 | 0 | 0.7533310424164636 | 347309.5696432779 | -0.09197085601037616 | 382487.24938199413 | 0.20442123484403607 | 317569.333981 | -0.24585705160180465 | 421099.653130112 Portefeuille net | 14435059.595338501 | 0.01225119392694658 | 14611906.309788024 | 0 | 0 | 0 | 0 | -0.03253004793271722 | 15103214.604820965 | 0.3496547395835216 | 11190428.308710668 | 0.31205513673640367 | 8528931.441513699 | 0.3623195764898413 | 6260595.229417007 Immobilisations | 1097630.35347 | -0.07489369804699632 | 1015424.75721 | 0 | 0 | 0 | 0 | -0.06000647792822311 | 1080246.5478400001 | 0.4968205941162512 | 721694.0708100001 | 0.22068561323370922 | 591220.26424 | 0.08354043454337372 | 545637.47267 Autres actifs | 297789.200606162 | 0.3155773372909526 | 391764.72360745596 | 0 | 0 | 0 | 0 | 0.34503076642356983 | 291268.22477760597 | 0.24131222255480253 | 234645.417555088 | 0.9277856366631154 | 121717.58783369999 | -0.27920758992579436 | 168866.35615540008 29306832.13639371 | 0.015977471654133924 | 29775081.216125403 | 0 | 0 | 0 | 0 | 0.03380596047873241 | 28801421.49919239 | 0.34745520166920657 | 21374678.329575364 | 0.2547414172987577 | 17035126.150208198 | 0.33209101684152637 | 12788259.91229907 PASSIF Dépôts À vue | 8839585.076218568 | 0 | 9147393.753796978 | 0 | 0 | 0 | 0 | 0.04090476978236014 | 8787925.67711029 | 0.6699392716873728 | 5262422.308465518 | 0.21628910307390525 | 4326621.2738122 | 0.5499850800505831 | 2791395.43309088 Épargne | 4340003.678587761 | 0 | 4523438.91383672 | 0 | 0 | 0 | 0 | 0.07390861146624914 | 4212126.49339006 | 0.35504822507160944 | 3108469.806059828 | 0.16065534814168334 | 2678202.2854905 | 0.052942852424455344 | 2543540.021496704 À terme | 9279863.87379632 | 0 | 9567618.368680865 | 0 | 0 | 0 | 0 | 0.04429624689545909 | 9161785.64954533 | 0.34373294946043353 | 6818159.555605287 | 0.11504876683688323 | 6114673.8675356 | 0.46101509130015045 | 4185222.9343464077 22459452.628602646 | 0 | 23238451.036314562 | 0 | 0 | 0 | 0 | 0.04857959998674257 | 22161837.82004568 | 0.45906658962962615 | 15189051.670130633 | 0.15774645750215133 | 13119497.426838301 | 0.3780755414834375 | 9520158.388933992 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 | 1181723.748625412 | 0.11181925690895189 | 1313863.2200683665 | 0 | 0 | 0 | 0 | 0.21520040131051188 | 1081190.57453524 | 0.360333677075704 | 794798.0651772621 | 0.9160140748545103 | 414818.4899099 | -0.02781353317128925 | 426686.13899043994 1181723.748625412 | 0.11181925690895189 | 1313863.2200683665 | 0 | 0 | 0 | 0 | 0.21520040131051188 | 1081190.57453524 | 0.360333677075704 | 794798.0651772621 | 0.9160140748545103 | 414818.4899099 | -0.02781353317128925 | 426686.13899043994 Obligations à terme Banques locales | 2182464.2289899997 | -0.022157202426350227 | 2134106.92728 | 0 | 0 | 0 | 0 | -0.050216593362426655 | 2246940.63127 | -0.07111899238747652 | 2418975.74916 | 0.32817111100011515 | 1821283.21353 | 0.28685008402331164 | 1415303.33342 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 207498.667544556 | -0.5039203437507459 | 102935.8676676816 | 0 | 0 | 0 | 0 | -0.528000437462282 | 218084.66752436 | 0.022614920898827683 | 213261.76947689598 | 0.832406616579795 | 116383.4312468 | -0.02575196389506076 | 119459.75453243201 2389962.8965345556 | -0.06398429942515348 | 2237042.7949476815 | 0 | 0 | 0 | 0 | -0.0924868819635175 | 2465025.29879436 | -0.0635247460225881 | 2632237.5186368963 | 0.3584573619680096 | 1937666.6447768002 | 0.26251840429775547 | 1534763.087952432 Autres passifs | 297304.929898544 | 0.08996263323894219 | 324051.2642671361 | 0 | 0 | 0 | 0 | 0.2951597397180673 | 250201.773827278 | 0.19851437644447717 | 208759.927076994 | -0.08210178338577163 | 227432.5445876 | -0.1724520175933128 | 274827.0183998 26328444.20366116 | 0.0298142991611874 | 27113408.315597743 | 0 | 0 | 0 | 0 | 0.044500403729159956 | 25958255.467202555 | 0.3789357872382779 | 18824847.181021787 | 0.19907952326786316 | 15699415.106112601 | 0.33538913748050103 | 11756434.634276662 AVOIR DES ACTIONNAIRES Capital versé | 728457.76157 | -0.0015340628639765213 | 727340.26157 | 0 | 0 | 0 | 0 | -0.001595738631785953 | 728502.76157 | -0.0019096203830547042 | 729896.58697 | 0.3325925508841771 | 547726.75 | 0.0158419667519476 | 539184.99917 Réserves | 350389.25453 | -0.40382989478316067 | 208891.59874 | 0 | 0 | 0 | 0 | -0.4199062020784114 | 360099.69334 | 0.4433476413619808 | 249489.23116 | 2.298036475447484 | 75647.80833 | 0.3255209322027127 | 57070.248 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 99409.46121 | 0.4653305510801065 | 67840.98040999999 Surplus d'apport | 1169722.8492 | -0.004664434249302213 | 1164266.7538800002 | 0 | 0 | 0 | 0 | -0.004977802513103851 | 1170091.23698 | 4.305490661047279e-05 | 1170040.86098 | 1.840511309655576 | 411912.05858 | 0.1887080459857801 | 346520.79623000004 BNR | 729818.06774 | -0.23107646800699222 | 561174.286358953 | 0 | 0 | 0 | 0 | -0.039861687441257836 | 584472.340098 | 0.459704835230839 | 400404.46944575 | 0.9919137244990166 | 201014.96591999996 | 8.47814773404067 | 21208.254140000034 2978387.9330399996 | -0.10633773692729805 | 2661672.900548953 | 0 | 0 | 0 | 0 | -0.06383486908506121 | 2843166.031988 | 0.11504090519813354 | 2549831.14855575 | 0.9089691291639808 | 1335711.0440399998 | 0.29451281392693834 | 1031825.27795 29306832.13670116 | 0.015977471644202223 | 29775081.216146696 | 0 | 0 | 0 | 0 | 0.03380596047953766 | 28801421.499190554 | 0.3474552016689837 | 21374678.329577535 | 0.25474141730298017 | 17035126.1501526 | 0.33209101684472137 | 12788259.912226662 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 | 1780494.321030456 | 2142216.11721568 | 0 | 0 | 1541318.249651364 | 1187232.1703575342 | 956056.1406981 | 91104.716427712 Portefeuille brut | 14674191.220712345 | 0.03235766733729397 | 15149013.818675995 | 0 | 0 | 0 | 0 | -0.010669073977478181 | 15312382.763147477 | 0.3603181284870412 | 11256471.881454712 | 0.3127583078848049 | 8574671.9817693 | 0.35829244541582667 | 6312831.975697439 Provisions pour créances douteuses | 239131.625373844 | 1.246074763420729 | 537107.508887971 | 0 | 0 | 0 | 0 | 1.5678263517028486 | 209168.15832651197 | 2.1671236069731754 | 66043.57274404401 | 0.44387391086746747 | 45740.540255600004 | -0.12436084724644288 | 52236.746280432 Portefeuille de crédit improductif | 159290.01422517598 | 0.5113045307893972 | 240735.720208016 | 0 | 0 | 0 | 0 | -0.18650520664585565 | 295927.794713266 | 5.561407817718359 | 45101.265297692 | 0.1374434109712264 | 39651.436601299996 | -0.08566575452423876 | 43366.456848248 [buhcomp] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 829114.3198427279 | 0.028290820242325678 | 1012087.8492968641 | 0.03399110289407855 | 0 | 0 | 0 | 0 | 1590411.1559866401 | 0.05521988406132094 | 633571.457662072 | 0.02964121601705801 | 424411.9669934 | 0.024913931558306245 | 387879.38370987197 | 0.030330896178989146 Avoirs à la BRH | 10204980.17610909 | 0.3482116432310122 | 10178311.01284821 | 0.3418399076384686 | 0 | 0 | 0 | 0 | 9070036.153152673 | 0.31491626735878303 | 6668594.875817301 | 0.3119857418668242 | 6070866.9929379 | 0.35637346852660107 | 4346531.398423185 | 0.33988450565060235 Avoirs à l'étranger | 1675414.86728385 | 0.05716806441195983 | 1282809.24243768 | 0.04308331631830929 | 0 | 0 | 0 | 0 | 986479.0003250521 | 0.03425105251672087 | 583225.29673392 | 0.02728580462083176 | 536570.6817549 | 0.031497898930929975 | 450572.96267541597 | 0.03523332851892373 Avoirs dans les banques locales | 33844.697725668004 | 0.001154839853320042 | 55946.16833211201 | 0.001878959386408425 | 0 | 0 | 0 | 0 | 28031.539728848 | 0.0009732693134480888 | 20053.356545436 | 0.000938182845899903 | 121959.1610866 | 0.007159275488259854 | 206162.07681047998 | 0.016121198523045673 Autres liquidités | 8831.204434038 | 0.0003013360295284615 | 18182.5028212 | 0.0006106617372164491 | 0 | 0 | 0 | 0 | 4424.70291733 | 0.0001536279352550037 | 239978.29635888204 | 0.011227223757881438 | 21878.719866999996 | 0.0012843297827138545 | 915.3793076000001 | 7.157966086688907e-05 12752185.265395373 | 0.43512670376814616 | 12547336.775736064 | 0.4214039479744813 | 0 | 0 | 0 | 0 | 11679382.552110543 | 0.40551410118552794 | 8145423.283117611 | 0.38107816910849535 | 7175687.522639801 | 0.42122890428681103 | 5392061.2009265525 | 0.42164150853242777 Bons B.R.H. | 400000 | 0.013648694548029071 | 599700 | 0.020141002996667504 | 0 | 0 | 0 | 0 | 300000 | 0.01041615255026257 | 700000 | 0.03274903084887296 | 300000 | 0.017610670878203828 | 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 | 324167.721583674 | 0.011061165535565243 | 608948.6497838618 | 0.020451620110244106 | 0 | 0 | 0 | 0 | 347309.5696432779 | 0.012058764865234748 | 382487.24938199413 | 0.01789440961330213 | 317569.333981 | 0.018642030072499274 | 421099.653130112 | 0.032928612338033625 Portefeuille net | 14435059.595338501 | 0.4925492979984283 | 14611906.309788024 | 0.4907427860137825 | 0 | 0 | 0 | 0 | 15103214.604820965 | 0.5243912910772293 | 11190428.308710668 | 0.5235366884200957 | 8528931.441513699 | 0.5006673485308742 | 6260595.229417007 | 0.4895580221509182 Immobilisations | 1097630.35347 | 0.03745305355289302 | 1015424.75721 | 0.03410317338311986 | 0 | 0 | 0 | 0 | 1080246.5478400001 | 0.03750670944731985 | 721694.0708100001 | 0.033763973412007715 | 591220.26424 | 0.034705951633517806 | 545637.47267 | 0.04266706154018928 Autres actifs | 297789.200606162 | 0.010161084596938147 | 391764.72360745596 | 0.01315746952170483 | 0 | 0 | 0 | 0 | 291268.22477760597 | 0.010112980874425706 | 234645.417555088 | 0.010977728597226078 | 121717.58783369999 | 0.007145094598093857 | 168866.35615540008 | 0.013204795438431257 29306832.13639371 | 1 | 29775081.216125403 | 1 | 0 | 0 | 0 | 0 | 28801421.49919239 | 1 | 21374678.329575364 | 1 | 17035126.150208198 | 1 | 12788259.91229907 | 1 PASSIF Dépôts À vue | 8839585.076218568 | 0.3016219915915588 | 9147393.753796978 | 0.30721641655314746 | 0 | 0 | 0 | 0 | 8787925.67711029 | 0.3051212481771675 | 5262422.308465518 | 0.24619890074247788 | 4326621.2738122 | 0.2539823442258055 | 2791395.43309088 | 0.21827797153280126 Épargne | 4340003.678587761 | 0.1480884613659172 | 4523438.91383672 | 0.15192028800871732 | 0 | 0 | 0 | 0 | 4212126.49339006 | 0.14624717372051135 | 3108469.806059828 | 0.14542767653063352 | 2678202.2854905 | 0.15721646331675493 | 2543540.021496704 | 0.19889649091745953 À terme | 9279863.87379632 | 0.3166450686518394 | 9567618.368680865 | 0.3213297152485782 | 0 | 0 | 0 | 0 | 9161785.64954533 | 0.31810185652823536 | 6818159.555605287 | 0.3189830251700793 | 6114673.8675356 | 0.35894503002907724 | 4185222.9343464077 | 0.3272707125948607 22459452.628602646 | 0.7663555216093153 | 23238451.036314562 | 0.780466419810443 | 0 | 0 | 0 | 0 | 22161837.82004568 | 0.7694702784259142 | 15189051.670130633 | 0.7106096024431907 | 13119497.426838301 | 0.7701438375716377 | 9520158.388933992 | 0.7444451750451215 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 | 1181723.748625412 | 0.040322466212850336 | 1313863.2200683665 | 0.0441262682217912 | 0 | 0 | 0 | 0 | 1081190.57453524 | 0.03753948653421697 | 794798.0651772621 | 0.037184094793021 | 414818.4899099 | 0.024350772999989216 | 426686.13899043994 | 0.03336545721752776 1181723.748625412 | 0.040322466212850336 | 1313863.2200683665 | 0.0441262682217912 | 0 | 0 | 0 | 0 | 1081190.57453524 | 0.03753948653421697 | 794798.0651772621 | 0.037184094793021 | 414818.4899099 | 0.024350772999989216 | 426686.13899043994 | 0.03336545721752776 Obligations à terme Banques locales | 2182464.2289899997 | 0.0744694690587107 | 2134106.92728 | 0.07167426049283868 | 0 | 0 | 0 | 0 | 2246940.63127 | 0.07801492128897199 | 2418975.74916 | 0.11317015918845204 | 1821283.21353 | 0.10691339749824752 | 1415303.33342 | 0.11067208073076747 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 207498.667544556 | 0.007080214831096695 | 102935.8676676816 | 0.0034571145892268542 | 0 | 0 | 0 | 0 | 218084.66752436 | 0.0075720105526900896 | 213261.76947689598 | 0.009977308953548716 | 116383.4312468 | 0.006831967677878194 | 119459.75453243201 | 0.00934136116654479 2389962.8965345556 | 0.08154968388980739 | 2237042.7949476815 | 0.07513137508206554 | 0 | 0 | 0 | 0 | 2465025.29879436 | 0.08558693184166208 | 2632237.5186368963 | 0.12314746814200077 | 1937666.6447768002 | 0.11374536517612573 | 1534763.087952432 | 0.12001344189731225 Autres passifs | 297304.929898544 | 0.010144560439521055 | 324051.2642671361 | 0.010883304126527065 | 0 | 0 | 0 | 0 | 250201.773827278 | 0.008687132815104068 | 208759.927076994 | 0.009766693274075639 | 227432.5445876 | 0.013350798965748803 | 274827.0183998 | 0.021490571843592727 26328444.20366116 | 0.8983722321514941 | 27113408.315597743 | 0.9106073672408266 | 0 | 0 | 0 | 0 | 25958255.467202555 | 0.9012838296168972 | 18824847.181021787 | 0.8807078586522882 | 15699415.106112601 | 0.9215907747135015 | 11756434.634276662 | 0.9193146460035542 AVOIR DES ACTIONNAIRES Capital versé | 728457.76157 | 0.0248562436970248 | 727340.26157 | 0.02442781788874153 | 0 | 0 | 0 | 0 | 728502.76157 | 0.025293986326002264 | 729896.58697 | 0.034147722633096594 | 547726.75 | 0.0321527850847941 | 539184.99917 | 0.04216249926633415 Réserves | 350389.25453 | 0.011955889769978953 | 208891.59874 | 0.007015651686178098 | 0 | 0 | 0 | 0 | 360099.69334 | 0.012502844463774034 | 249489.23116 | 0.011672186468172054 | 75647.80833 | 0.004440695517190253 | 57070.248 | 0.004462706294005869 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 99409.46121 | 0.0034515470430092313 | 67840.98040999999 | 0.0023554733370331144 Surplus d'apport | 1169722.8492 | 0.039912974686452676 | 1164266.7538800002 | 0.03910205132369089 | 0 | 0 | 0 | 0 | 1170091.23698 | 0.0406261627403637 | 1170040.86098 | 0.05473957750096558 | 411912.05858 | 0.024180158981385987 | 346520.79623000004 | 0.027096790228413697 BNR | 729818.06774 | 0.02490265970554012 | 561174.286358953 | 0.018847111861278004 | 0 | 0 | 0 | 0 | 584472.340098 | 0.02029317685289905 | 400404.46944575 | 0.018732654745579256 | 201014.96591999996 | 0.01180002802136826 | 21208.254140000034 | 0.0016584159444243904 2978387.9330399996 | 0.10162776785899653 | 2661672.900548953 | 0.08939263275988853 | 0 | 0 | 0 | 0 | 2843166.031988 | 0.09871617038303905 | 2549831.14855575 | 0.11929214134781348 | 1335711.0440399998 | 0.07840922528323485 | 1031825.27795 | 0.08068535399078378 29306832.13670116 | 1.0000000000104907 | 29775081.216146696 | 1.0000000000007152 | 0 | 0 | 0 | 0 | 28801421.499190554 | 0.9999999999999363 | 21374678.329577535 | 1.0000000000001017 | 17035126.1501526 | 0.9999999999967364 | 12788259.912226662 | 0.9999999999943379 [buhgdes&$] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 396215.413716864 | 615872.43558 | 1012087.8492968641 | 0.3914832235088386 | 694959.07394664 | 895452.08204 | 1590411.1559866401 | 0.4369681835610048 Avoirs à la BRH | 7449297.343688209 | 2729013.66916 | 10178311.01284821 | 0.7318795165803901 | 7189814.145082673 | 1880222.00807 | 9070036.153152673 | 0.7926996126232144 Avoirs à l'étranger | 1282809.24243768 | 0 | 1282809.24243768 | 1 | 986479.0003250521 | 0 | 986479.0003250521 | 1 Avoirs dans les banques locales | 6644.421242111999 | 49301.747090000004 | 55946.16833211201 | 0.11876454527982806 | 4381.292638848 | 23650.24709 | 28031.539728848 | 0.1562986793172512 Autres liquidités | 11357.8887312 | 6824.61409 | 18182.5028212 | 0 | 2971.15514733 | 1453.5477700000001 | 4424.70291733 | 0 9146324.309816064 | 3401012.4659200003 | 12547336.775736064 | 0.7289454705243228 | 8878604.667140543 | 2800777.8849700005 | 11679382.552110543 | 0.7601946958690996 Bons B.R.H. | 0 | 599700 | 599700 | 0 | 0 | 300000 | 300000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 215987.11944386188 | 392961.53034 | 608948.6497838618 | 0.354688559569881 | 250137.45121327796 | 97172.11843 | 347309.56964327797 | 0.7202146818764436 Portefeuille net | 7264285.639222865 | 7347620.670565157 | 14611906.309788022 | 0.4971483860635464 | 7370911.43309097 | 7732303.171729996 | 15103214.604820967 | 0.4880359331408934 Immobilisations | 0 | 1015424.75721 | 1015424.75721 | 0 | 0 | 1080246.5478400001 | 1080246.5478400001 | 0 Autres actifs | 98653.790317968 | 293110.93328948796 | 391764.72360745596 | 0.2518189729017512 | 102921.20567165398 | 188347.019105952 | 291268.22477760597 | 0.35335541921964925 16725250.858800758 | 13049830.357324645 | 29775081.216125403 | 0.5617197393148604 | 16602574.757116444 | 12198846.74207595 | 28801421.499192394 | 0.5764498379908779 PASSIF Dépôts À vue | 5890595.952836977 | 3256797.80096 | 9147393.753796978 | 0.6439644024716722 | 6726021.44247029 | 2061904.2346400002 | 8787925.67711029 | 0.7653707700315906 Épargne | 2838950.95770672 | 1684487.95613 | 4523438.91383672 | 0.6276089965584967 | 2662473.54499006 | 1549652.9484 | 4212126.49339006 | 0.6320972433207276 À terme | 7320971.372040864 | 2246646.99664 | 9567618.368680865 | 0.7651822104449431 | 6545135.71348533 | 2616649.93606 | 9161785.64954533 | 0.7143952024035995 16050518.282584561 | 7187932.753730001 | 23238451.036314562 | 0.6906879575365212 | 15933630.70094568 | 6228207.119100001 | 22161837.82004568 | 0.7189670292837129 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 | 643632.6648783665 | 670230.55519 | 1313863.2200683665 | 0.48987798352774903 | 423129.26329524 | 658061.31124 | 1081190.57453524 | 0.3913549315550833 643632.6648783665 | 670230.55519 | 1313863.2200683665 | 0.48987798352774903 | 423129.26329524 | 658061.31124 | 1081190.57453524 | 0.3913549315550833 Obligations à terme Banques locales | 0 | 2134106.92728 | 2134106.92728 | 0 | 0 | 2246940.63127 | 2246940.63127 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 31736.154712416002 | 71199.7129552656 | 102935.8676676816 | 0.3083099742732347 | 22372.353654359995 | 195712.31387 | 218084.66752436 | 0.10258563294854742 31736.154712416002 | 2205306.6402352657 | 2237042.794947682 | 0.014186655161041844 | 22372.353654359995 | 2442652.94514 | 2465025.29879436 | 0.009075912391366644 Autres passifs | 279593.49025713606 | 44457.77401 | 324051.26426713605 | 0.8628063553137363 | 226236.372907278 | 23965.400920000004 | 250201.77382727803 | 0.9042157033764914 8275933.681888783 | 5166641.966075266 | 27113408.315597747 | 0.3052339855453665 | 16605368.690802557 | 9352886.7764 | 25958255.467202555 | 0.6396950947563839 AVOIR DES ACTIONNAIRES Capital versé | 0 | 727340.26157 | 727340.26157 | 0 | 0 | 728502.76157 | 728502.76157 | 0 Réserves | 0 | 208891.59874 | 208891.59874 | 0 | 0 | 360099.69334 | 360099.69334 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1164266.7538800002 | 1164266.7538800002 | 0 | 0 | 1170091.23698 | 1170091.23698 | 0 BNR | 0 | 561174.286358953 | 561174.286358953 | 0 | 0 | 584472.340098 | 584472.340098 | 0 0 | 2661672.900548953 | 2661672.900548953 | 0 | 2843166.031988 | 2843166.031988 | 0 17005480.59243248 | 12769600.623714222 | 29775081.2161467 | 0.5711312915986471 | 16605368.690802557 | 12196052.808388 | 28801421.499190558 | 0.5765468447892143 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [buhrésult] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 534977.965 | -0.12455361239037192 | 468344.52691 | 0 | 0 | 0 | 0 | 385126.02107 | 0.06850410830901672 | 411508.73572999996 | 0.12945730740198308 | 464781.54863 | 0.12388693492614995 | 522361.9101 Intérêts sur Bons B.R.H. | 3813.29671 | 3.0840090987831887 | 15573.53846 | 0 | 0 | 0 | 0 | 13490.796699999999 | -0.621080712008654 | 5111.9230800000005 | -0.42237389456180946 | 2952.78022 | -0.6996535217917434 | 886.857140000001 Autres | 3285.1746000000003 | 2.4700046323260874 | 11399.571080000002 | 0 | 0 | 0 | 0 | 5420.992966892 | 0.2996475048273867 | 7045.3799831080005 | -0.24384497745004954 | 5327.39946 | 0.238754564877326 | 6599.340400000001 542076.43631 | -0.08625868369836275 | 495317.63645000005 | 0 | 0 | 0 | 0 | 404037.81073689205 | 0.04858017624741003 | 423666.03879310796 | 0.11659110005041916 | 473061.72831 | 0.12004010456070446 | 529848.10764 Dépenses d'intérêt | 133217.39656 | -0.06331144405904453 | 124783.21081 | 0 | 0 | 0 | 0 | 99920.88153000001 | 0.025516796699141267 | 102470.54235 | 0.12359190572782205 | 115135.07196 | 0.08689379899354861 | 125139.59576 408859.03975 | -0.09373551856266611 | 370534.42564000003 | 0 | 0 | 0 | 0 | 304116.92920689203 | 0.05615789716394677 | 321195.49644310796 | 0.11435764297335978 | 357926.65634999995 | 0.13070235116619586 | 404708.51187999995 AUTRES REVENUS Commissions | 60578.79321 | 0.6376496138854001 | 99206.83731 | 0 | 0 | 0 | 0 | 48200.086160000006 | 0.5457856223052028 | 74507.00018 | -0.16088046869477382 | 62520.279070000004 | 0.06494485693919988 | 66580.64965 Gains sur change | 42187.7335 | -0.29316340258003365 | 29819.83400000033 | 0 | 0 | 0 | 0 | 39354.01673 | 0.2772114743673331 | 50263.40173 | -0.1815773002994478 | 41136.708940000004 | -0.20435753361459844 | 32730.11256 Autres | 45299.66092000001 | 0.13719284899230078 | 51514.45046 | 0 | 0 | 0 | 0 | 36006.365820000006 | -0.04652326309114869 | 34331.23219 | 0.2372506607080798 | 42476.33971 | -0.005143499922347743 | 42257.86266 148066.18763 | 0.21932714456828833 | 180541.12177000032 | 0 | 0 | 0 | 0 | 123560.46871000002 | 0.2876418790010915 | 159101.6341 | -0.08150957375993409 | 146133.32772 | -0.03123656267341177 | 141568.62487 PRODUIT NET BANCAIRE | 556925.22738 | -0.01050352844944545 | 551075.5474100003 | 0 | 0 | 0 | 0 | 427677.3979168921 | 0.12303603810375122 | 480297.130543108 | 0.04947531853880019 | 504059.98406999995 | 0.0837542237317081 | 546277.13675 Dotation à la provision pour créances douteuses | 44894.39673 | -0.09720160727951054 | 40530.58921 | 0 | 0 | 0 | 0 | 17220.545100000003 | 0.6019901768382464 | 27587.14409 | 0.4223527466992685 | 39238.65016999999 | 1.3093689229218464 | 90616.51928000001 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 512030.8306500001 | -0.002901919886569106 | 510544.95820000034 | 0 | 0 | 0 | 0 | 410456.8528168921 | 0.10294171810323098 | 452709.98645310797 | 0.026752993769326768 | 464821.33389999997 | -0.01970803782420803 | 455660.61746999994 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 131213.26009 | 0.1551322389676021 | 151568.66691 | 0 | 0 | 0 | 0 | 109677.90311999999 | 0.09922134213391587 | 120560.29186999999 | 0.036725209281794055 | 124987.89381999991 | 0.024284030134720243 | 128023.1036 Frais de locaux | 57062.84885 | 0.10855149269330604 | 63257.106270000004 | 0 | 0 | 0 | 0 | 45583.93745 | 0.07247854444979943 | 48887.7948866667 | 0.1554902137494402 | 56489.36856333329 | 0.13937362581491264 | 64362.49668 Amortissement | 27425.77882 | 0.052955789132992 | 28878.132579999998 | 0 | 0 | 0 | 0 | 19950.52255 | 0.08650015936549989 | 21676.24593 | 0.06757431866801109 | 23141.00348 | 0.13707180774340427 | 26312.98266000001 Autres dépenses d'exploitation | 102565.04047 | -0.00852995831709246 | 101690.16495 | 0 | 0 | 0 | 0 | 81213.81719 | 0.033328327949428964 | 83920.5379233333 | 0.19228592979319703 | 100057.27658666669 | 0.17248632935141384 | 117315.78894999999 318266.92823 | 0.08523393439231668 | 345394.07071 | 0 | 0 | 0 | 0 | 256426.18031 | 0.07260838295641805 | 275044.87061 | 0.10773031969032694 | 304675.5424499999 | 0.10285968209982957 | 336014.37189 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 193763.90242000006 | -0.14766948111923614 | 165150.88749000034 | 0 | 0 | 0 | 0 | 154030.6725068921 | 0.15343985033343516 | 177665.11584310798 | -0.0986086903440224 | 160145.79145000008 | -0.2528917276146137 | 119646.24557999993 Impôts sur le revenu | 58129.17072600001 | -0.14766948111923622 | 49545.266247000094 | 0 | 0 | 0 | 0 | 46209.2017520676 | 0.15343985033343607 | 53299.534752932406 | -0.09860869034402257 | 48043.737435000025 | -0.2528917276146129 | 35893.87367400002 BÉNÉFICE NET (PERTE NETTE) | 135634.73169400005 | -0.1476694811192361 | 115605.62124300025 | 0 | 0 | 0 | 0 | 107821.47075482449 | 0.15343985033343477 | 124365.58109017558 | -0.09860869034402228 | 112102.05401500006 | -0.25289172761461404 | 83752.37190599991 0 | 0 | 0 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 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 | 534977.965 | 0.3890984657792392 | 385126.02107 | 468344.52691 | 0.1381156370330162 | 411508.73572999996 | 0 | 0 | 464781.54863 | 0 | 0 | 522361.9101 | 1003322.49191 | 0.2594510637977226 | 796634.7568 | 1783778.21553 Intérêts sur Bons B.R.H. | 3813.29671 | -0.7173408809874067 | 13490.796699999999 | 15573.53846 | 2.0465126756171768 | 5111.9230800000005 | 0 | 0 | 2952.78022 | 0 | 0 | 886.857140000001 | 19386.83517 | 0.0421505779409208 | 18602.71978 | 22442.35714 Autres | 3285.1746000000003 | -0.393990248638253 | 5420.992966892 | 11399.571080000002 | 0.6180207607441482 | 7045.3799831080005 | 0 | 0 | 5327.39946 | 0 | 0 | 6599.340400000001 | 14684.745680000002 | 0.17794852912691023 | 12466.37295 | 24393.112810000002 542076.43631 | 0.34164779113457333 | 404037.81073689205 | 495317.63645000005 | 0.16912282575446708 | 423666.03879310796 | 0 | 0 | 473061.72831 | 0 | 0 | 529848.10764 | 1037394.07276 | 0.25333967378437305 | 827703.84953 | 1830613.68548 Dépenses d'intérêt | 133217.39656 | 0.3332287958248558 | 99920.88153000001 | 124783.21081 | 0.21774714906639703 | 102470.54235 | 0 | 0 | 115135.07196 | 0 | 0 | 125139.59576 | 258000.60736999998 | 0.2747605724784625 | 202391.42388000002 | 442666.0916 408859.03975 | 0.34441394241440426 | 304116.92920689203 | 370534.42564000003 | 0.1536102770532814 | 321195.49644310796 | 0 | 0 | 357926.65634999995 | 0 | 0 | 404708.51187999995 | 779393.46539 | 0.24640648965169024 | 625312.42565 | 1387947.59388 AUTRES REVENUS Commissions | 60578.79321 | 0.2568191892626276 | 48200.086160000006 | 99206.83731 | 0.33151028856789494 | 74507.00018 | 0 | 0 | 62520.279070000004 | 0 | 0 | 66580.64965 | 159785.63052 | 0.3021711727166416 | 122707.08634000001 | 251808.01506000003 Gains sur change | 42187.7335 | 0.07200578252130044 | 39354.01673 | 29819.83400000033 | -0.4067286937684086 | 50263.40173 | 0 | 0 | 41136.708940000004 | 0 | 0 | 32730.11256 | 72007.56750000032 | -0.19650031503484658 | 89617.41846 | 163484.23996 Autres | 45299.66092000001 | 0.25810144646250227 | 36006.365820000006 | 51514.45046 | 0.500512716086116 | 34331.23219 | 0 | 0 | 42476.33971 | 0 | 0 | 42257.86266 | 96814.11138000002 | 0.376420493719956 | 70337.59801000002 | 155071.80038000003 148066.18763 | 0.19832976659805018 | 123560.46871000002 | 180541.12177000032 | 0.13475340961315949 | 159101.6341 | 0 | 0 | 146133.32772 | 0 | 0 | 141568.62487 | 328607.3094000004 | 0.1625446288457135 | 282662.10281 | 570364.0554000001 PRODUIT NET BANCAIRE | 556925.22738 | 0.302208697706826 | 427677.3979168921 | 551075.5474100003 | 0.14736381370185972 | 480297.130543108 | 0 | 0 | 504059.98406999995 | 0 | 0 | 546277.13675 | 1108000.7747900004 | 0.22029940274785192 | 907974.52846 | 1958311.64928 Dotation à la provision pour créances douteuses | 44894.39673 | 1.607025298519731 | 17220.545100000003 | 40530.58921 | 0.4691839458906453 | 27587.14409 | 0 | 0 | 39238.65016999999 | 0 | 0 | 90616.51928000001 | 85424.98594 | 0.9064805055616391 | 44807.689190000005 | 174662.85864 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 512030.8306500001 | 0.2474656645053528 | 410456.8528168921 | 510544.95820000034 | 0.12775280748723436 | 452709.98645310797 | 0 | 0 | 464821.33389999997 | 0 | 0 | 455660.61746999994 | 1022575.7888500004 | 0.18467918637237768 | 863166.8392699999 | 1783648.79064 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 131213.26009 | 0.19635091807360594 | 109677.90311999999 | 151568.66691 | 0.25720222271389576 | 120560.29186999999 | 0 | 0 | 124987.89381999991 | 0 | 0 | 128023.1036 | 282781.927 | 0.22821466269869856 | 230238.19499 | 483249.1924099999 Frais de locaux | 57062.84885 | 0.251819216200684 | 45583.93745 | 63257.106270000004 | 0.29392431007871633 | 48887.7948866667 | 0 | 0 | 56489.36856333329 | 0 | 0 | 64362.49668 | 120319.95512 | 0.2736080110314755 | 94471.7323366667 | 215323.59758 Amortissement | 27425.77882 | 0.37468974816401474 | 19950.52255 | 28878.132579999998 | 0.33224787508212206 | 21676.24593 | 0 | 0 | 23141.00348 | 0 | 0 | 26312.98266000001 | 56303.9114 | 0.35258905401344764 | 41626.76848 | 91080.75462 Autres dépenses d'exploitation | 102565.04047 | 0.2629013635702992 | 81213.81719 | 101690.16495 | 0.2117434833759096 | 83920.5379233333 | 0 | 0 | 100057.27658666669 | 0 | 0 | 117315.78894999999 | 204255.20542 | 0.2369031585209371 | 165134.3551133333 | 382507.42065 318266.92823 | 0.24116393983344137 | 256426.18031 | 345394.07071 | 0.255773539582753 | 275044.87061 | 0 | 0 | 304675.5424499999 | 0 | 0 | 336014.37189 | 663660.9989400001 | 0.24872464415733175 | 531471.05092 | 1172160.96526 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 193763.90242000006 | 0.2579566086834432 | 154030.6725068921 | 165150.88749000034 | -0.07043717216923254 | 177665.11584310798 | 0 | 0 | 160145.79145000008 | 0 | 0 | 119646.24557999993 | 358914.7899100003 | 0.08206013617296615 | 331695.78834999993 | 611487.82538 Impôts sur le revenu | 58129.17072600001 | 0.25795660868344383 | 46209.2017520676 | 49545.266247000094 | -0.0704371721692329 | 53299.534752932406 | 0 | 0 | 48043.737435000025 | 0 | 0 | 35893.87367400002 | 107674.4369730001 | 0.08206013617296604 | 99508.73650500001 | 183446.34761400003 BÉNÉFICE NET (PERTE NETTE) | 135634.73169400005 | 0.257956608683443 | 107821.47075482449 | 115605.62124300025 | -0.07043717216923237 | 124365.58109017558 | 0 | 0 | 112102.05401500006 | 0 | 0 | 83752.37190599991 | 251240.35293700016 | 0.08206013617296613 | 232187.05184499992 | 428041.477766 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1003322.49191 | 0.2594510637977226 | 796634.7568 | 1783778.21553 | 0.41118161231659467 | 1264031.64551 | 0.22116506088918145 | 1035103.02251 | 0.42591239952377763 | 725923.2915399999 Intérêts sur Bons B.R.H. | 19386.83517 | 0.0421505779409208 | 18602.71978 | 22442.35714 | 0 | 31123.944600000003 | 0 | 9215.50989 | 0 | 0 Autres | 14684.745680000002 | 0.17794852912691023 | 12466.37295 | 24393.112810000002 | 0.08939996835998403 | 22391.32873 | 0.12066938081355189 | 19980.31633 | -0.08313207762446019 | 21791.92427 1037394.07276 | 0.25333967378437305 | 827703.84953 | 1830613.68548 | 0.38941062310837204 | 1317546.91884 | 0.23794827027408164 | 1064298.84873 | 0.42340135151194574 | 747715.2158099998 Dépenses d'intérêt | 258000.60736999998 | 0.2747605724784625 | 202391.42388000002 | 442666.0916 | 0.15133832571097428 | 384479.59363 | 0.17506176462672962 | 327199.47598 | 0.7154598714681917 | 190735.72131999998 779393.46539 | 0.24640648965169024 | 625312.42565 | 1387947.59388 | 0.4875106612136728 | 933067.3252099999 | 0.2658636809428759 | 737099.37275 | 0.3233869110835535 | 556979.4944899998 AUTRES REVENUS Commissions | 159785.63052 | 0.3021711727166416 | 122707.08634000001 | 251808.01506000003 | 0.12171206691205605 | 224485.42945 | 0.25489435869997923 | 178887.91027999998 | 0.12428363578723405 | 159112.79377000002 Gains sur change | 72007.56750000032 | -0.19650031503484658 | 89617.41846 | 163484.23996 | 0.050628347786426206 | 155606.15730999998 | 0.5599324065328269 | 99751.85889999999 | 0.04219004335993593 | 95713.69400000034 Autres | 96814.11138000002 | 0.376420493719956 | 70337.59801000002 | 155071.80038000003 | 0.25836634605021336 | 123232.63481 | 0.12502713113150699 | 109537.4781638 | 0.2383367195517072 | 88455.32595 328607.3094000004 | 0.1625446288457135 | 282662.10281 | 570364.0554000001 | 0.13319413403329824 | 503324.22157 | 0.2966350424042679 | 388177.2473437999 | 0.13078302382898382 | 343281.8137200003 PRODUIT NET BANCAIRE | 1108000.7747900004 | 0.22029940274785192 | 907974.52846 | 1958311.64928 | 0.36335503621558013 | 1436391.54678 | 0.2764786196839906 | 1125276.6200938 | 0.24994444372067956 | 900261.3082100002 Dotation à la provision pour créances douteuses | 85424.98594 | 0.9064805055616391 | 44807.689190000005 | 174662.85864 | 2.9449199995853053 | 44275.386739999994 | 332.19705981864206 | -133.68290999999954 | 0.9883749551313721 | -11499.560776816 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1022575.7888500004 | 0.18467918637237768 | 863166.8392699999 | 1783648.79064 | 0.28124997168968285 | 1392116.16004 | 0.23698544106477726 | 1125410.3030037999 | 0.2343261717893193 | 911760.8689868161 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 282781.927 | 0.22821466269869856 | 230238.19499 | 483249.1924099999 | 0.3468627523064355 | 358796.16656000004 | 0.12101880036317637 | 320062.5774017 | 0.1695770263627666 | 273656.689715472 Frais de locaux | 120319.95512 | 0.2736080110314755 | 94471.7323366667 | 215323.59758 | 0.38336549129692954 | 155651.99430999998 | 0.1751680758490497 | 132450.83619 | 0.16827445685430029 | 113373.048099192 Amortissement | 56303.9114 | 0.35258905401344764 | 41626.76848 | 91080.75462 | 0.5061696738011746 | 60471.77566 | 0.2171817192507069 | 49681.79746999998 | 0.4663443059778242 | 33881.399659999995 Autres dépenses d'exploitation | 204255.20542 | 0.2369031585209371 | 165134.3551133333 | 382507.42065 | 0.2923777344801969 | 295971.84355999995 | -0.05728918667966494 | 313958.25674 | 0.3525353060681947 | 232125.738479 663660.9989400001 | 0.24872464415733175 | 531471.05092 | 1172160.96526 | 0.3459318276478233 | 870891.78009 | 0.06706865123753873 | 816153.4678017 | 0.24978159404831188 | 653036.8759536641 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 358914.7899100003 | 0.08206013617296615 | 331695.78834999993 | 611487.82538 | 0.1731757931942072 | 521224.37995 | 0.6854094093324694 | 309256.8352020999 | 0.1953156395606212 | 258723.99303315207 Impôts sur le revenu | 107674.4369730001 | 0.08206013617296604 | 99508.73650500001 | 183446.34761400003 | 0.17317579319420734 | 156367.313985 | 0.6854094093324684 | 92777.05056063001 | 0.19531563956062076 | 77617.1979099457 BÉNÉFICE NET (PERTE NETTE) | 251240.35293700016 | 0.08206013617296613 | 232187.05184499992 | 428041.477766 | 0.17317579319420726 | 364857.06596499996 | 0.6854094093324697 | 216479.78464146986 | 2.3639748093137953 | 181106.7951232064 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 29881692 | -0.0016058996926947779 | 29833705 | 0 | 0 | 0 | 0 | -0.006466159604394185 | 30027870 | 0.30405627182646927 | 23026514 | 0.2062390070526685 | 19089512 | 0.11554469162172963 | 17112279 Bons B.R.H. | 200000 | 0 | 200000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 440000 | 0.7920125115055349 | 245534 | 0.07089148639218423 | 229280 Prêts nets | 11053037 | -0.017005733356361696 | 10865072 | 0 | 0 | 0 | 0 | -0.0578274207951589 | 11531934 | 0.2434758389385495 | 9273951 | 0.20452122561006972 | 7699284 | 0.07834272162318838 | 7139923 Dépôts | 23501443 | 0.038180676820568 | 24398744 | 0 | 0 | 0 | 0 | 0.011853520359478637 | 24112921 | 0.27677891446696967 | 18885745 | 0.2107413297576042 | 15598497 | 0.08832162332950082 | 14332617 Avoir des Actionnaires | 3121646 | -0.020796400360579004 | 3056727 | 0 | 0 | 0 | 0 | 0.06901030601185773 | 2859399 | 0.3334304859230561 | 2144393 | 0.19924244584964235 | 1788123 | 0.17168837329992373 | 1526108 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats Revenus nets d'intérêt | 338102 | 0.05492372831116478 | 320499 | 331104 | -0.00888727912761582 | 334073 | 0 | 0 | 345071 | 0 | 0 | 368591 | 669206 | 0.022356593315937742 | 654572 Autres revenus | 432336 | 0.5490694891326936 | 279094 | 390194 | 0.043625947154591144 | 373883 | 0 | 0 | 407471 | 0 | 0 | 389552 | 822530 | 0.25966151947158933 | 652977 Dot. à la prov. pr créances douteuses | 21463 | 0.5081863537348043 | 14231 | 20389 | 0.059058799085809265 | 19252 | 0 | 0 | 13057 | 0 | 0 | 42121 | 41852 | 0.24994773467132575 | 33483 Dépenses d'exploitation | 427972 | 0.13466851194926532 | 377178 | 450812 | 0.13734572573239281 | 396372 | 0 | 0 | 414608 | 0 | 0 | 464336 | 878784 | 0.1360403335272445 | 773550 Bénéfice (perte) net | 290049 | 0.7415444288999502 | 166547 | 226205 | -0.15197399744323187 | 266743 | 0 | 0 | 287351 | 0 | 0 | 229541 | 516254 | 0.19147453206859147 | 433290 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.1044668421051927 | 0.08840375173342076 | 0.10245884646241558 | 0.08614669631655061 | 0 | 0.09017428062446882 | 0 | 0.0952248361272378 | 0.10245884646241558 | 0.08614669631655061 | 0.0952248361272378 | 0.09312712293315437 | 0.09367044060633924 | 0.08918204290614944 Dépôts en % de l'actif | 0.7864830077225882 | 0.8090557423012713 | 0.8178248058697369 | 0.8137493834586422 | 0 | 0.8090713127784372 | 0 | 0.8030180295838499 | 0.8178248058697369 | 0.8137493834586422 | 0.8030180295838499 | 0.8201738656576502 | 0.8171239264785816 | 0.8375633076108682 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.006385091950170793 | 0.004775222331496316 | 0.008965554219023354 | 0.004130496807432598 | 0 | 0.006384856844350402 | 0 | 0.00771156692827035 | 0.008965554219023354 | 0.004130496807432598 | 0.00771156692827035 | 0.003676423186317951 | 0.00561605342940618 | 0.011824286281881643 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.244602192859151 | 0.8974683044354043 | 0.8438677995802515 | 1.0661093337692362 | 0 | 0.7039488445142472 | 0 | 0.8499374413512668 | 0.8438677995802515 | 1.0661093337692362 | 0.8499374413512668 | 0.97007335534968 | 0.8785842500115064 | 0.6269237552172124 Prêts improductifs nets en % de l'avoir des actionnaires | -0.0055743027876959785 | 0.002275792571500958 | 0.005013532448269014 | -0.0012085368550379038 | 0 | 0.008027825129389361 | 0 | 0.004697840350367332 | 0.005013532448269014 | -0.0012085368550379038 | 0.004697840350367332 | 0.0004775244090052523 | 0.0029505800216204367 | 0.020792761718043545 Rentabilité ROA (rendement de l'actif) | 0.03873158011070086 | 0.027284255396616375 | 0.030304412109995685 | 0.04026412525316922 | 0 | 0.04079073852592352 | 0 | 0.03102325477044324 | 0.03449651967894263 | 0.03451236302714261 | 0.035819170004876506 | 0.02473652191211013 | 0.02293952804710684 | 0.023824430796300346 ROE (rendement avoir des action.) | 0.3879576227899974 | 0.30104776632271346 | 0.29289911761559234 | 0.46150256114690935 | 0 | 0.46231775486665777 | 0 | 0.33453155366159176 | 0.34904868489954405 | 0.3862715753321618 | 0.37978477122949955 | 0.26492047330513085 | 0.25057155038378437 | 0.2672395978336055 Revenus nets d'intérêt en % des revenus d'intérêt | 0.6888934167362823 | 0.7779857267695893 | 0.7086728436679316 | 0.7706964050485733 | 0 | 0.7622795642867084 | 0 | 0.7146865268799274 | 0.6985397810245645 | 0.7742483401917842 | 0.7543258814124651 | 0.7883236027626626 | 0.7824669660532327 | 0.7757136292247017 Rendement moyen des prêts | 0.16563600362995473 | 0.15674103771459932 | 0.1599385843369144 | 0.15639523492477364 | 0 | 0.15920993460155564 | 0 | 0.1719019022042641 | 0.1618447096677688 | 0.16266708927451967 | 0.1642953644965965 | 0.15362525833686036 | 0.15571465197765572 | 0.15802953367459835 Rendement moyen des prêts productifs | 0.1668140323013843 | 0.15741186643487046 | 0.1611738222099859 | 0.15709533019324295 | 0 | 0.1600581823342114 | 0 | 0.17312433310830205 | 0.16320258967085843 | 0.1633065481107861 | 0.1652731115919503 | 0.15432852191630367 | 0.15706652775037006 | 0.15953236774373156 Rémunération moyenne des dépôts | 0.025654107235371242 | 0.018400418380621952 | 0.022732771377280844 | 0.01848949016666928 | 0 | 0.018828374511909468 | 0 | 0.024674206119214687 | 0.023812911801728513 | 0.018614189548796307 | 0.020726968599444458 | 0.017076611398330867 | 0.017747084188045926 | 0.018463017032424905 Dépenses d'exploitation en % du produit net bancaire | 0.5554918111515788 | 0.6290567101350416 | 0.6250010397921525 | 0.5598822525693687 | 0 | 0.5509433360530044 | 0 | 0.6124649307584453 | 0.5891015568438384 | 0.5916030680303377 | 0.5863579816296305 | 0.6648575227664645 | 0.6942270591089116 | 0.6752080410433678 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 3923.2998090388287 | 3139.2303664921465 | 3668.3941513032423 | 3780.8064085447263 | 0 | 3965.965744400527 | 0 | 3877.9693094629156 | 3771.772439949431 | 3445.451910408432 | 3603.8797953964195 | 2915.209173036831 | 2744.01866251944 | 2582.7159663865546 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 1024631 | -0.029682880959096495 | 994217 | 0 | 0 | 0 | 0 | 0.09659632996153927 | 906639 | 0.36873896043116594 | 662390 | 0.4209437920722839 | 466162 | -0.03547434653336285 | 483307 Avoirs à la BRH | 10293766 | 0.025432868786797756 | 10555566 | 0 | 0 | 0 | 0 | -0.013609127948267484 | 10701200 | 0.34097948443742254 | 7980137 | 0.09000589658480243 | 7321187 | 0.276110397724569 | 5737111 Avoirs à l'étranger | 3363126 | 0.022758588289585345 | 3439666 | 0 | 0 | 0 | 0 | 0.0142447403797359 | 3391357 | 1.211371421082043 | 1533599 | 0.6734546232269455 | 916427 | -0.3997172911567023 | 1526659 Avoirs dans les banques locales | 5826 | 0.7107792653621696 | 9967 | 0 | 0 | 0 | 0 | 3.375329236172081 | 2278 | 0.494750656167979 | 1524 | 0.2904318374259102 | 1181 | 0.5498687664041995 | 762 Autres liquidités | 65473 | 4.059230522505461 | 331243 | 0 | 0 | 0 | 0 | 10.856784908902172 | 27937 | -0.892342552379778 | 259499 | 0.1386629106003563 | 227898 | 0.42006679793624285 | 160484 14752822 | 0.03916789614895374 | 15330659 | 0 | 0 | 0 | 0 | 0.0200438992585937 | 15029411 | 0.4399919939822647 | 10437149 | 0.16840013635058446 | 8932855 | 0.12955110710576692 | 7908323 Bons B.R.H. | 200000 | 0 | 200000 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 440000 | 0.7920125115055349 | 245534 | 0.07089148639218423 | 229280 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 2304832 | -0.09746480437619748 | 2080192 | 0 | 0 | 0 | 0 | -0.0423341319283953 | 2172148 | 0.4658966059922202 | 1481788 | 0.27523884027887147 | 1161969 | 0.07885307987346814 | 1077041 Portefeuille net | 11053037 | -0.017005733356361696 | 10865072 | 0 | 0 | 0 | 0 | -0.0578274207951589 | 11531934 | 0.2434758389385495 | 9273951 | 0.20452122561006972 | 7699284 | 0.07834272162318838 | 7139923 Immobilisations | 797417 | -0.010342142191601133 | 789170 | 0 | 0 | 0 | 0 | -0.018658874001305687 | 804175 | 0.017281161370956113 | 790514 | 0.278408300693126 | 618358 | 0.20392118686967017 | 513620 Autres actifs | 773584 | -0.2649641150799396 | 568612 | 0 | 0 | 0 | 0 | 0.15995446775002958 | 490202 | -0.18721232540556315 | 603112 | 0.397671443667847 | 431512 | 0.7678252462186389 | 244092 29881692 | -0.0016058996926947779 | 29833705 | 0 | 0 | 0 | 0 | -0.006466159604394185 | 30027870 | 0.30405627182646927 | 23026514 | 0.2062390070526685 | 19089512 | 0.11554469162172963 | 17112279 PASSIF Dépôts À vue | 8919446 | 0.0937575046701331 | 9755711 | 0 | 0 | 0 | 0 | 0.010281231233361478 | 9656431 | 0.21007103586906 | 7980053 | 0.2223819716093716 | 6528281 | 0.07982754599572918 | 6045670 Épargne | 5570126 | 0.05387993018470318 | 5870244 | 0 | 0 | 0 | 0 | 0.05193323673391711 | 5580434 | 0.32483274693863984 | 4212180 | 0.1212802279519595 | 3756581 | 0.04918099175838831 | 3580489 À terme | 9011871 | -0.02652967402662555 | 8772789 | 0 | 0 | 0 | 0 | -0.011634333987978444 | 8876056 | 0.3260685870138128 | 6693512 | 0.25968607177572417 | 5313635 | 0.12900933143353238 | 4706458 23501443 | 0.038180676820568 | 24398744 | 0 | 0 | 0 | 0 | 0.011853520359478637 | 24112921 | 0.27677891446696967 | 18885745 | 0.2107413297576042 | 15598497 | 0.08832162332950082 | 14332617 Obligations à vue Banques locales | 400000 | -1 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 0 | 232976 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1245593 | -0.3298164007023161 | 834776 | 0 | 0 | 0 | 0 | -0.197774307474233 | 1040575 | 0.7425776232652931 | 597147 | 0.24257034296487118 | 480574 | 0.315426578747841 | 365337 1645593 | -0.49272025342839937 | 834776 | 0 | 0 | 0 | 0 | -0.4205258316991479 | 1440575 | 1.412429435298176 | 597147 | 0.24257034296487118 | 480574 | -0.19678496038026919 | 598313 Obligations à terme Banques locales | 614018 | -0.019274679243930958 | 602183 | 0 | 0 | 0 | 0 | 0 | 609610 | 0 | 531816 | 0 | 514416 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 177927 | -0.5506977580693205 | 79943 | 0 | 0 | 0 | 0 | -0.5571834512249838 | 180533 | 0.011587706272938671 | 178465 | 0.18098017417083564 | 151116 | 0.6990207211360084 | 88943 791945 | -0.13866998339531153 | 682126 | 0 | 0 | 0 | 0 | -0.1367056342965767 | 790143 | 0.1124371903514243 | 710281 | 0.06723793897213057 | 665532 | 6.482679918599553 | 88943 Autres passifs | 821065 | 0.049042402245863606 | 861332 | 0 | 0 | 0 | 0 | 0.04425143544382371 | 824832 | 0.19723404378850073 | 688948 | 0.23736588204444795 | 556786 | -0.016796810160021755 | 566298 26760046 | 0.0006327343383490447 | 26776978 | 0 | 0 | 0 | 0 | -0.01440982821594929 | 27168471 | 0.30103982253526834 | 20882121 | 0.20696211153913713 | 17301389 | 0.11004742601630638 | 15586171 AVOIR DES ACTIONNAIRES Capital versé | 810000 | 0 | 810000 | 0 | 0 | 0 | 0 | 0 | 810000 | 0 | 810000 | 0.5 | 540000 | 0 | 540000 Réserves | 352745 | 0.10916951338785809 | 391254 | 0 | 0 | 0 | 0 | 0.0922018284597669 | 358225 | 0.3670101125739363 | 262050 | -0.07337340876944837 | 282800 | 0.26968163675791196 | 222733 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1384 | 0 | 1384 | 0 | 0 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 1957517 | -0.052836322749687484 | 1854089 | 0 | 0 | 0 | 0 | 0.09723042508240669 | 1689790 | 0.5778288431209785 | 1070959 | 0.1110236228641024 | 963939 | 0.2650267522844758 | 761991 3121646 | -0.020796400360579004 | 3056727 | 0 | 0 | 0 | 0 | 0.06901030601185773 | 2859399 | 0.3334304859230561 | 2144393 | 0.19924244584964235 | 1788123 | 0.17168837329992373 | 1526108 29881692 | -0.0016058996926947779 | 29833705 | 0 | 0 | 0 | 0 | -0.006466159604394185 | 30027870 | 0.30405627182646927 | 23026514 | 0.2062390070526685 | 19089512 | 0.11554469162172963 | 17112279 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 | 355723 | 305573 | 0 | 0 | 372570 | 435120 | 154018 | 123434 Portefeuille brut | 11141578 | -0.017383264740416484 | 10947901 | 0 | 0 | 0 | 0 | -0.05686724959138154 | 11608017 | 0.24721579466268062 | 9307144 | 0.2028678137611532 | 7737462 | 0.07565652557968962 | 7193246 Provisions pour créances douteuses | 88541 | -0.0645124857410691 | 82829 | 0 | 0 | 0 | 0 | 0.08866632493461088 | 76083 | 1.2921399090169614 | 33193 | -0.13057258106763056 | 38178 | -0.2840237796072989 | 53323 Portefeuille de crédit improductif | 71140 | 0.37973010964295756 | 98154 | 0 | 0 | 0 | 0 | 0.09649671567094151 | 89516 | 1.61612648683403 | 34217 | -0.21256961384452525 | 43454 | -0.4891070483804597 | 85055 [capitalbkcomp ] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 1024631 | 0.03428959109812122 | 994217 | 0.03332529432733883 | 0 | 0 | 0 | 0 | 906639 | 0.030193250470313078 | 662390 | 0.028766403807367454 | 466162 | 0.024419796587780766 | 483307 | 0.028243286589705555 Avoirs à la BRH | 10293766 | 0.34448404059582705 | 10555566 | 0.3538134469051028 | 0 | 0 | 0 | 0 | 10701200 | 0.35637559374008215 | 7980137 | 0.3465629665002701 | 7321187 | 0.3835188138911042 | 5737111 | 0.3352628250158848 Avoirs à l'étranger | 3363126 | 0.11254804446816466 | 3439666 | 0.11529463068700317 | 0 | 0 | 0 | 0 | 3391357 | 0.11294031178368628 | 1533599 | 0.06660144040908668 | 916427 | 0.04800683223332267 | 1526659 | 0.08921424200715755 Avoirs dans les banques locales | 5826 | 0.00019496887927229823 | 9967 | 0.000334085223407552 | 0 | 0 | 0 | 0 | 2278 | 7.58628567394224e-05 | 1524 | 6.618457314033726e-05 | 1181 | 6.186643220633403e-05 | 762 | 4.4529428254413106e-05 Autres liquidités | 65473 | 0.0021910740529686203 | 331243 | 0.011102978996406917 | 0 | 0 | 0 | 0 | 27937 | 0.0009303690205132765 | 259499 | 0.011269573848651168 | 227898 | 0.011938387948314236 | 160484 | 0.009378294965854636 14752822 | 0.49370771909435385 | 15330659 | 0.5138704361392593 | 0 | 0 | 0 | 0 | 15029411 | 0.5005153878713342 | 10437149 | 0.4532665691385157 | 8932855 | 0.4679456970927282 | 7908323 | 0.46214317800685695 Bons B.R.H. | 200000 | 0.006693061423697159 | 200000 | 0.00670382709757303 | 0 | 0 | 0 | 0 | 0 | 0 | 440000 | 0.01910840694340446 | 245534 | 0.012862246033319239 | 229280 | 0.013398566023847555 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 2304832 | 0.07713191073651385 | 2080192 | 0.06972623748877319 | 0 | 0 | 0 | 0 | 2172148 | 0.07233773158069487 | 1481788 | 0.0643513820633032 | 1161969 | 0.06086949734492951 | 1077041 | 0.06293965870939809 Portefeuille net | 11053037 | 0.3698932777969869 | 10865072 | 0.36418782045340997 | 0 | 0 | 0 | 0 | 11531934 | 0.38404102588695105 | 9273951 | 0.40275097654816533 | 7699284 | 0.4033253443042441 | 7139923 | 0.41723974930516267 Immobilisations | 797417 | 0.026685804806501585 | 789170 | 0.026452296152958542 | 0 | 0 | 0 | 0 | 804175 | 0.026780953827227838 | 790514 | 0.03433059819649644 | 618358 | 0.032392551470147586 | 513620 | 0.03001470464571084 Autres actifs | 773584 | 0.025888226141946715 | 568612 | 0.019059382668025978 | 0 | 0 | 0 | 0 | 490202 | 0.016324900833792073 | 603112 | 0.02619206711011489 | 431512 | 0.02260466375463134 | 244092 | 0.014264143309023888 29881692 | 1 | 29833705 | 1 | 0 | 0 | 0 | 0 | 30027870 | 1 | 23026514 | 1 | 19089512 | 1 | 17112279 | 1 PASSIF Dépôts À vue | 8919446 | 0.29849199971674967 | 9755711 | 0.32700299878945643 | 0 | 0 | 0 | 0 | 9656431 | 0.32158228339206213 | 7980053 | 0.34655931853167177 | 6528281 | 0.34198260280304704 | 6045670 | 0.35329426314285783 Épargne | 5570126 | 0.1864059772786628 | 5870244 | 0.19676550398282747 | 0 | 0 | 0 | 0 | 5580434 | 0.1858418196162432 | 4212180 | 0.1829273853610668 | 3756581 | 0.19678769158687764 | 3580489 | 0.2092350761695739 À terme | 9011871 | 0.3015850307271757 | 8772789 | 0.294056303097453 | 0 | 0 | 0 | 0 | 8876056 | 0.2955939265755447 | 6693512 | 0.29068716176491155 | 5313635 | 0.2783536320886569 | 4706458 | 0.27503396829843646 23501443 | 0.7864830077225882 | 24398744 | 0.8178248058697369 | 0 | 0 | 0 | 0 | 24112921 | 0.8030180295838499 | 18885745 | 0.8201738656576502 | 15598497 | 0.8171239264785816 | 14332617 | 0.8375633076108682 Obligations à vue Banques locales | 400000 | 0.013386122847394318 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0.01332095816319972 | 0 | 0 | 0 | 0 | 232976 | 0.013614551282152424 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1245593 | 0.041684152289636074 | 834776 | 0.027980969846018118 | 0 | 0 | 0 | 0 | 1040575 | 0.03465364010167887 | 597147 | 0.02593301791143896 | 480574 | 0.02517476612288465 | 365337 | 0.0213494064700558 1645593 | 0.055070275137030396 | 834776 | 0.027980969846018118 | 0 | 0 | 0 | 0 | 1440575 | 0.04797459826487859 | 597147 | 0.02593301791143896 | 480574 | 0.02517476612288465 | 598313 | 0.03496395775220822 Obligations à terme Banques locales | 614018 | 0.020548300946278412 | 602183 | 0.0201846535654891 | 0 | 0 | 0 | 0 | 609610 | 0.020301473264670456 | 531816 | 0.023095810334121787 | 514416 | 0.0269475720489869 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 177927 | 0.005954381699670822 | 79943 | 0.002679620248306404 | 0 | 0 | 0 | 0 | 180533 | 0.006012181350192338 | 178465 | 0.007750413284442447 | 151116 | 0.007916179313541383 | 88943 | 0.005197612778520032 791945 | 0.02650268264594923 | 682126 | 0.022864273813795504 | 0 | 0 | 0 | 0 | 790143 | 0.02631365461486279 | 710281 | 0.030846223618564234 | 665532 | 0.034863751362528284 | 88943 | 0.005197612778520032 Autres passifs | 821065 | 0.027477192389239537 | 861332 | 0.028871104008033867 | 0 | 0 | 0 | 0 | 824832 | 0.027468881409170882 | 688948 | 0.029919769879192308 | 556786 | 0.0291671154296663 | 566298 | 0.03309307895225411 26760046 | 0.8955331578948073 | 26776978 | 0.8975411535375845 | 0 | 0 | 0 | 0 | 27168471 | 0.9047751638727622 | 20882121 | 0.9068728770668456 | 17301389 | 0.9063295593936608 | 15586171 | 0.9108179570938506 AVOIR DES ACTIONNAIRES Capital versé | 810000 | 0.027106898765973494 | 810000 | 0.027150499745170774 | 0 | 0 | 0 | 0 | 810000 | 0.026974940280479434 | 810000 | 0.035176840054903666 | 540000 | 0.028287784412718356 | 540000 | 0.03155628773934787 Réserves | 352745 | 0.01180471975951027 | 391254 | 0.013114495836169191 | 0 | 0 | 0 | 0 | 358225 | 0.01192975059503055 | 262050 | 0.011380359180725315 | 282800 | 0.014814417466512502 | 222733 | 0.013015975253792906 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1384 | 4.631598505198434e-05 | 1384 | 4.639048351520537e-05 | 0 | 0 | 0 | 0 | 1384 | 4.609051524467103e-05 | 1384 | 6.010462547652675e-05 | 1384 | 7.250054375407815e-05 | 1384 | 8.087759672455083e-05 BNR | 1957517 | 0.06550890759465695 | 1854089 | 0.06214746039756041 | 0 | 0 | 0 | 0 | 1689790 | 0.05627405473648314 | 1070959 | 0.046509819072048854 | 963939 | 0.050495738183354295 | 761991 | 0.04452890231628411 3121646 | 0.1044668421051927 | 3056727 | 0.10245884646241558 | 0 | 0 | 0 | 0 | 2859399 | 0.0952248361272378 | 2144393 | 0.09312712293315437 | 1788123 | 0.09367044060633924 | 1526108 | 0.08918204290614944 29881692 | 1 | 29833705 | 1 | 0 | 0 | 0 | 0 | 30027870 | 1 | 23026514 | 1 | 19089512 | 1 | 17112279 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 286652 | 707565 | 994217 | 0.2883193508057094 | 493798 | 412841 | 906639 | 0.544646766794722 Avoirs à la BRH | 8125485 | 2430081 | 10555566 | 0.7697820277946251 | 8057935 | 2643265 | 10701200 | 0.7529935895039809 Avoirs à l'étranger | 3439666 | 0 | 3439666 | 1 | 3391357 | 0 | 3391357 | 1 Avoirs dans les banques locales | 1418 | 8549 | 9967 | 0.14226948931473865 | 1359 | 919 | 2278 | 0.5965759438103599 Autres liquidités | 260891 | 70352 | 331243 | 0.787612115576782 | 17347 | 10590 | 27937 | 0.6209328131152235 12114112 | 3216547 | 15330659 | 0.7901886018076587 | 11961796 | 3067615 | 15029411 | 0.7958925336461955 Bons B.R.H. | 0 | 200000 | 200000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 1062621 | 1017571 | 2080192 | 0.5108283273851645 | 1288083 | 884065 | 2172148 | 0.592999648274427 Portefeuille net | 6691736 | 4173336 | 10865072 | 0.615894307925433 | 7201344 | 4330590 | 11531934 | 0.6244697550298155 Immobilisations | 0 | 789170 | 789170 | 0 | 0 | 804175 | 804175 | 0 Autres actifs | 181791 | 386821 | 568612 | 0.31971010108826403 | 180573 | 309629 | 490202 | 0.3683644701572005 20050260 | 9783445 | 29833705 | 0.6720673815069231 | 20631796 | 9396074 | 30027870 | 0.6870882283691784 PASSIF Dépôts À vue | 7443999 | 2311712 | 9755711 | 0.7630401310575928 | 7679847 | 1976584 | 9656431 | 0.7953090536244706 Épargne | 4235016 | 1635228 | 5870244 | 0.7214378141692236 | 4042688 | 1537746 | 5580434 | 0.7244397120367341 À terme | 7097737 | 1675052 | 8772789 | 0.809062773537583 | 7392663 | 1483393 | 8876056 | 0.8328770120422855 18776752 | 5621992 | 24398744 | 0.7695786307688626 | 19115198 | 4997723 | 24112921 | 0.7927367240161406 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 400000 | 400000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 457630 | 377146 | 834776 | 0.5482069441383077 | 651414 | 389161 | 1040575 | 0.6260135021502534 457630 | 377146 | 834776 | 0.5482069441383077 | 651414 | 789161 | 1440575 | 0.4521902712458567 Obligations à terme Banques locales | 0 | 602183 | 602183 | 0 | 0 | 609610 | 609610 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 79943 | 79943 | 0 | 0 | 180533 | 180533 | 0 0 | 682126 | 682126 | 0 | 0 | 790143 | 790143 | 0 Autres passifs | 788196 | 73136 | 861332 | 0.9150896518415663 | 746731 | 78101 | 824832 | 0.9053128394630664 20022578 | 6754400 | 26776978 | 0.7477534619477971 | 20513343 | 6655128 | 27168471 | 0.7550422325938033 AVOIR DES ACTIONNAIRES Capital versé | 0 | 810000 | 810000 | 0 | 0 | 810000 | 810000 | 0 Réserves | 0 | 391254 | 391254 | 0 | 0 | 358225 | 358225 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1384 | 1384 | 0 | 0 | 1384 | 1384 BNR | 0 | 1854089 | 1854089 | 0 | 0 | 1689790 | 1689790 | 0 0 | 3056727 | 3056727 | 0 | 0 | 2859399 | 2859399 | 0 20022578 | 9811127 | 29833705 | 0.671139504798348 | 20513343 | 9514527 | 30027870 | 0.6831434597259146 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [CAPITALBKRÉSULT ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 471019 | -0.06241574119090737 | 441620 | 0 | 0 | 0 | 0 | 390118 | 0.05093074403129309 | 409987 | 0.04540387865956726 | 428602 | 0.1419102104049911 | 489425 Intérêts sur Bons B.R.H. | 4097 | 0.4893824749816939 | 6102 | 0 | 0 | 0 | 0 | 5453 | -0.924812030075188 | 410 | -1 | 0 | - | 0 Autres | 15674 | 0.24377950746459104 | 19495 | 0 | 0 | 0 | 0 | 16389 | 0.4077735066202941 | 23072 | 0.04373266296809986 | 24081 | 0.0926871807649184 | 26313 490790 | -0.04803072597241183 | 467217 | 0 | 0 | 0 | 0 | 411960 | 0.05221137974560637 | 433469 | 0.044326122513951405 | 452683 | 0.13929173395068956 | 515738 Dépenses d'intérêt | 152688 | -0.10855469977994342 | 136113 | 0 | 0 | 0 | 0 | 91461 | 0.08675829041886705 | 99396 | 0.08265926194213047 | 107612 | 0.36738467828866667 | 147147 338102 | -0.020697895901236905 | 331104 | 0 | 0 | 0 | 0 | 320499 | 0.042352706248693445 | 334073 | 0.032920948415466084 | 345071 | 0.06815988593651741 | 368591 AUTRES REVENUS Commissions | 210774 | -0.051714158292768556 | 199874 | 0 | 0 | 0 | 0 | 174104 | -0.02698387170886367 | 169406 | 0.19857029857265976 | 203045 | -0.0318944076436258 | 196569 Gains sur change | 52011 | 0.05921824229489916 | 55091 | 0 | 0 | 0 | 0 | 57869 | 0.10019181254212099 | 63667 | -0.10338165768765609 | 57085 | -0.21019532276429886 | 45086 Autres | 169551 | -0.20242876774539814 | 135229 | 0 | 0 | 0 | 0 | 47121 | 1.9882642558519557 | 140810 | 0.046381649030608624 | 147341 | 0.0037735592944258558 | 147897 432336 | -0.09747511194996485 | 390194 | 0 | 0 | 0 | 0 | 279094 | 0.33963109203350844 | 373883 | 0.08983559027824213 | 407471 | -0.04397613572499638 | 389552 PRODUIT NET BANCAIRE | 770438 | -0.06378190068506485 | 721298 | 0 | 0 | 0 | 0 | 599593 | 0.18072759355095874 | 707956 | 0.0629784901886558 | 752542 | 0.007442773958131241 | 758143 Dotation à la provisions pour créances douteuses | 21463 | -0.05003960303778596 | 20389 | 0 | 0 | 0 | 0 | 14231 | 0.3528213056004497 | 19252 | -0.3217847496364014 | 13057 | 2.2259324500268054 | 42121 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 748975 | -0.06417570679929237 | 700909 | 0 | 0 | 0 | 0 | 585362 | 0.1765437455796584 | 688704 | 0.07373414413158628 | 739485 | -0.03172883831315037 | 716022 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 143762 | 0.04816293596360652 | 150686 | 0 | 0 | 0 | 0 | 135175 | -0.00136859626410209 | 134990 | 0.07294614415882658 | 144837 | 0.15567845232917002 | 167385 Frais de locaux | 60092 | 0.05866005458297278 | 63617 | 0 | 0 | 0 | 0 | 49128 | 0.0707946588503501 | 52606 | 0.005816826977911265 | 52912 | 0.15712881765951012 | 61226 Amortissement | 23789 | 0.01895834209088234 | 24240 | 0 | 0 | 0 | 0 | 21309 | 0.0009385705570416256 | 21329 | 0.017722349852313753 | 21707 | 0.1422582577048878 | 24795 Autres dépenses d'exploitation | 200329 | 0.0596019547843797 | 212269 | 0 | 0 | 0 | 0 | 171566 | 0.09256496042339392 | 187447 | 0.04110495233319285 | 195152 | 0.08084979913093383 | 210930 427972 | 0.05336797734431224 | 450812 | 0 | 0 | 0 | 0 | 377178 | 0.0508884399408237 | 396372 | 0.04600728608478904 | 414608 | 0.11993979855670898 | 464336 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 321003 | -0.22088890134983163 | 250097 | 0 | 0 | 0 | 0 | 208184 | 0.4042001306536525 | 292332 | 0.11132890001778799 | 324877 | -0.22528833989479094 | 251686 Impôts sur le revenu | 30954 | -0.2281449893390192 | 23892 | 0 | 0 | 0 | 0 | 41637 | -0.3854264236136129 | 25589 | 0.46648950721012933 | 37526 | -0.4098758194318606 | 22145 BÉNÉFICE NET | 290049 | -0.22011453237211642 | 226205 | 0 | 0 | 0 | 0 | 166547 | 0.6016079545113392 | 266743 | 0.07725788493043866 | 287351 | -0.2011825259003797 | 229541 0 | 0 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 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 | 471019 | 0.20737571709072639 | 390118 | 441620 | 0.07715610494966914 | 409987 | 0 | 0 | 428602 | 0 | 0 | 489425 | 912639 | 0.14064903981352447 | 800105 | 1718132 Intérêts sur Bons B.R.H. | 4097 | -0.2486704566293783 | 5453 | 6102 | 13.882926829268293 | 410 | 0 | 0 | 0 | 0 | 0 | 0 | 10199 | 0.7395531297970322 | 5863 | 5863 Autres | 15674 | -0.0436268228689975 | 16389 | 19495 | -0.1550364077669903 | 23072 | 0 | 0 | 24081 | 0 | 0 | 26313 | 35169 | -0.10876561668482806 | 39461 | 89855 490790 | 0.19135352946888048 | 411960 | 467217 | 0.07785562520041803 | 433469 | 0 | 0 | 452683 | 0 | 0 | 515738 | 958007 | 0.13316079765420868 | 845429 | 1813850 Dépenses d'intérêt | 152688 | 0.6694328730278479 | 91461 | 136113 | 0.36940118314620307 | 99396 | 0 | 0 | 107612 | 0 | 0 | 147147 | 288801 | 0.513180024835348 | 190857 | 445616 338102 | 0.05492372831116478 | 320499 | 331104 | -0.00888727912761582 | 334073 | 0 | 0 | 345071 | 0 | 0 | 368591 | 669206 | 0.022356593315937742 | 654572 | 1368234 AUTRES REVENUS Commissions | 210774 | 0.21062123788080686 | 174104 | 199874 | 0.17985195329563297 | 169406 | 0 | 0 | 203045 | 0 | 0 | 196569 | 410648 | 0.1954470029984571 | 343510 | 743124 Gains sur change | 52011 | -0.10122863709412638 | 57869 | 55091 | -0.1347008654404951 | 63667 | 0 | 0 | 57085 | 0 | 0 | 45086 | 107102 | -0.11876316482359137 | 121536 | 223707 Autres | 169551 | 2.5982046221429935 | 47121 | 135229 | -0.03963496910730772 | 140810 | 0 | 0 | 147341 | 0 | 0 | 147897 | 304780 | 0.6217654351863184 | 187931 | 483169 432336 | 0.5490694891326936 | 279094 | 390194 | 0.043625947154591144 | 373883 | 0 | 0 | 407471 | 0 | 0 | 389552 | 822530 | 0.25966151947158933 | 652977 | 1450000 PRODUIT NET BANCAIRE | 770438 | 0.28493494753941423 | 599593 | 721298 | 0.018845803976518315 | 707956 | 0 | 0 | 752542 | 0 | 0 | 758143 | 1491736 | 0.14086431942512287 | 1307549 | 2818234 Dotation à la provisions pour créances douteuses | 21463 | 0.5081863537348043 | 14231 | 20389 | 0.059058799085809265 | 19252 | 0 | 0 | 13057 | 0 | 0 | 42121 | 41852 | 0.24994773467132575 | 33483 | 88661 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 748975 | 0.2795073817569299 | 585362 | 700909 | 0.01772169175727163 | 688704 | 0 | 0 | 739485 | 0 | 0 | 716022 | 1449884 | 0.13799756056593615 | 1274066 | 2729573 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 143762 | 0.06352506010726836 | 135175 | 150686 | 0.11627527965034447 | 134990 | 0 | 0 | 144837 | 0 | 0 | 167385 | 294448 | 0.08988210908148724 | 270165 | 582387 Frais de locaux | 60092 | 0.2231721218042664 | 49128 | 63617 | 0.209310725012356 | 52606 | 0 | 0 | 52912 | 0 | 0 | 61226 | 123709 | 0.21600448227731142 | 101734 | 215872 Amortissement | 23789 | 0.11638274907316158 | 21309 | 24240 | 0.1364808476721834 | 21329 | 0 | 0 | 21707 | 0 | 0 | 24795 | 48029 | 0.12643651203152118 | 42638 | 89140 Autres dépenses d'exploitation | 200329 | 0.16764976743643845 | 171566 | 212269 | 0.1324214311245312 | 187447 | 0 | 0 | 195152 | 0 | 0 | 210930 | 412598 | 0.14925643361103916 | 359013 | 765095 427972 | 0.13466851194926532 | 377178 | 450812 | 0.13734572573239281 | 396372 | 0 | 0 | 414608 | 0 | 0 | 464336 | 878784 | 0.1360403335272445 | 773550 | 1652494 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 321003 | 0.5419196480036891 | 208184 | 250097 | -0.14447614356279848 | 292332 | 0 | 0 | 324877 | 0 | 0 | 251686 | 571100 | 0.14102246481630956 | 500516 | 1077079 Impôts sur le revenu | 30954 | -0.25657468117299514 | 41637 | 23892 | -0.06631755832584313 | 25589 | 0 | 0 | 37526 | 0 | 0 | 22145 | 54846 | -0.1841549400529557 | 67226 | 126897 BÉNÉFICE NET | 290049 | 0.7415444288999502 | 166547 | 226205 | -0.15197399744323187 | 266743 | 0 | 0 | 287351 | 0 | 0 | 229541 | 516254 | 0.19147453206859147 | 433290 | 950182 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 912639 | 0.14064903981352447 | 800105 | 1718132 | 0.3123114842874612 | 1309241 | 0.1262627261896057 | 1162465 | 0.15751661646461376 | 1004275 Intérêts sur Bons B.R.H. | 10199 | 0.7395531297970322 | 5863 | 5863 | -0.7533445519562474 | 23770 | 0.04815239439103977 | 22678 | -0.5332112055657329 | 48583 Autres | 35169 | -0.10876561668482806 | 39461 | 89855 | 0.5501328364903564 | 57966 | 0.6192524722051511 | 35798 | 0.1612170753860127 | 30828 958007 | 0.13316079765420868 | 845429 | 1813850 | 0.30401149695501795 | 1390977 | 0.13926635275578428 | 1220941 | 0.1266556917778766 | 1083686 Dépenses d'intérêt | 288801 | 0.513180024835348 | 190857 | 445616 | 0.5134510948012648 | 294437 | 0.10859391178297784 | 265595 | 0.09273171614771905 | 243056 669206 | 0.022356593315937742 | 654572 | 1368234 | 0.2477739070166159 | 1096540 | 0.14779357426524004 | 955346 | 0.1364643184278458 | 840630 AUTRES REVENUS Commissions | 410648 | 0.1954470029984571 | 343510 | 743124 | 0.15711930042555577 | 642219 | 0.0930029119785967 | 587573 | 0.15128222210030487 | 510364 Gains sur change | 107102 | -0.11876316482359137 | 121536 | 223707 | 0.16853058090397663 | 191443 | 0.16085862413970833 | 164915 | 0.3860616400937965 | 118981 Autres | 304780 | 0.6217654351863184 | 187931 | 483169 | 1.8881948221960536 | 167291 | 1.9572388191621 | 56570 | -0.15239507948637268 | 66741 822530 | 0.25966151947158933 | 652977 | 1450000 | 0.44861946564923627 | 1000953 | 0.23718324273414268 | 809058 | 0.16229603813321916 | 696086 PRODUIT NET BANCAIRE | 1491736 | 0.14086431942512287 | 1307549 | 2818234 | 0.3436202170877328 | 2097493 | 0.1887827277652964 | 1764404 | 0.14816530835886396 | 1536716 Dotation à la provisions pour créances douteuses | 41852 | 0.24994773467132575 | 33483 | 88661 | 0.7102486448949673 | 51841 | 0.8549091169314441 | 27948 | -0.16729732145517384 | 33563 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1449884 | 0.13799756056593615 | 1274066 | 2729573 | 0.3343291038749504 | 2045652 | 0.1780615230100849 | 1736456 | 0.15520908383910353 | 1503153 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 294448 | 0.08988210908148724 | 270165 | 582387 | 0.22829917682714634 | 474141 | 0.1391568421583726 | 416221 | 0.17114711476775202 | 355396 Frais de locaux | 123709 | 0.21600448227731142 | 101734 | 215872 | 0.20862213761827444 | 178610 | 0.08406166545277981 | 164760 | 0.23847107903935055 | 133035 Amortissement | 48029 | 0.12643651203152118 | 42638 | 89140 | 0.15424457450665563 | 77228 | 0.29366634839271655 | 59697 | 0.09217146307104045 | 54659 Autres dépenses d'exploitation | 412598 | 0.14925643361103916 | 359013 | 765095 | 0.15128920856813957 | 664555 | 0.13751007755653274 | 584219 | 0.18140271337659475 | 494513 878784 | 0.1360403335272445 | 773550 | 1652494 | 0.1849793551107395 | 1394534 | 0.13849082820841263 | 1224897 | 0.18050641719424482 | 1037603 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 571100 | 0.14102246481630956 | 500516 | 1077079 | 0.6541993924296364 | 651118 | 0.2728111517928528 | 511559 | 0.0988271936419289 | 465550 Impôts sur le revenu | 54846 | -0.1841549400529557 | 67226 | 126897 | -0.02548841924187504 | 130216 | 0.35172786065003686 | 96333 | 0.0346038599091407 | 93111 BÉNÉFICE NET | 516254 | 0.19147453206859147 | 433290 | 950182 | 0.824108949476101 | 520902 | 0.254502367385472 | 415226 | 0.11488324262496677 | 372439 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 5492817 | 0.11828211280295703 | 6142519 | 0 | 0 | 0 | 0 | -0.01742900396642329 | 6251476 | -0.034843942551418323 | 6477166 | 0.017139547749606982 | 6368021 | 0.08895267312375167 | 5847840 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 259477 | -0.6384402084552574 | 717660 Prêts nets | 637305 | 0.04848855728418889 | 668207 | 0 | 0 | 0 | 0 | 0.09437179098733182 | 610585 | 0.10295525569464767 | 553590 | -0.0609096584200741 | 589496 | -0.20825090088093598 | 744549 Dépôts | 3906338 | 0.22344635820044245 | 4779195 | 0 | 0 | 0 | 0 | 0.047755671329891676 | 4561364 | -0.11289473131470917 | 5141852 | -0.019873391903715325 | 5246110 | 0.17699333641896853 | 4457213 Avoir des Actionnaires | 433364 | -0.007010273119133108 | 430326 | 0 | 0 | 0 | 0 | -0.018024987164128016 | 438225 | 0.23007073485656543 | 356260 | -0.08985468740419791 | 391432 | 0.03864483055074987 | 376868 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats Revenus nets d'intérêt | 23842 | 0.07415750585691115 | 22196 | 22313 | 0.024707233065442022 | 21775 | 0 | 0 | 20771 | 0 | 0 | 20572 | 46155 | 0.04966910008869482 | 43971 Autres revenus | 55881 | -0.5294429708222812 | 118755 | 58192 | -0.203274962691165 | 73039 | 0 | 0 | 77179 | 0 | 0 | 60640 | 114073 | -0.40523165479629186 | 191794 Dot. à la prov. pr créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation | 87280 | 0.0967993264385438 | 79577 | 76244 | 0.36873474077265544 | 55704 | 0 | 0 | 86387 | 0 | 0 | 81530 | 163524 | 0.20877285058507847 | 135281 Bénéfice (perte) net | -5209 | -1.1231151028125739 | 42310 | 2939 | -0.8909947333283881 | 26962 | 0 | 0 | 7970 | 0 | 0 | -219 | -2270 | -1.0327693729068022 | 69272 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.07889649336579027 | 0.05878127632431514 | 0.07005692615684217 | 0.07668760094252544 | 0 | 0.07304854341757229 | 0 | 0.07009944531499442 | 0.07005692615684217 | 0.07668760094252544 | 0.07009944531499442 | 0.05500245014563468 | 0.06146839025813514 | 0.06444567566828094 Dépôts en % de l'actif | 0.7111720634421281 | 0.783929239672412 | 0.7780513173829825 | 0.7475733834046316 | 0 | 0.7238091398189843 | 0 | 0.7296459268179227 | 0.7780513173829825 | 0.7475733834046316 | 0.7296459268179227 | 0.7938428627581877 | 0.823821089785979 | 0.7621981791567485 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Provisions pour créances douteuses en % des prêts improductifs bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts improductifs nets en % de l'avoir des actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rentabilité ROA (rendement de l'actif) | -0.0035482765969820406 | 0.025048102969548514 | 0.002020740956685737 | 0.016944913006644226 | 0 | 0.005451740764938398 | 0 | -0.000142978296678007 | -0.0007326128500132524 | 0.022767405556161305 | 0.012102312249806381 | 0.005161310613850931 | 0.0036624516274374767 | -0.0021418922549968364 ROE (rendement avoir des action.) | -0.04781152584532389 | 0.43967177893789283 | 0.02722273037779759 | 0.25370448348949526 | 0 | 0.07286474082505377 | 0 | -0.001998466929478756 | -0.010454193248295149 | 0.3494795417596319 | 0.19389415785068315 | 0.08867020109884818 | 0.05823246127814656 | -0.030407044828678585 Revenus nets d'intérêt en % des revenus d'intérêt | 0.9743757407331726 | 0.9776250880902043 | 0.9713974749673487 | 0.9741421733100702 | 0 | 0.969113049969673 | 0 | 0.9691430725020022 | 0.9729336621766901 | 0.975897196883947 | 0.972605082253155 | 0.9625605445738971 | 0.8706639647156992 | 0.6590478136957681 Rendement moyen des prêts | 0.1256456899245927 | 0.10290221093072718 | 0.12140524177487454 | 0.10784674721345557 | 0 | 0.0928628076980961 | 0 | 0.11033349608996566 | 0.12327571645740668 | 0.10348283567046077 | 0.10111881804711491 | 0.09442684102508472 | 0.1268383000573444 | 0.12860638622540582 Rendement moyen des prêts productifs | 0.1256456899245927 | 0.10290221093072718 | 0.12140524177487454 | 0.10784674721345557 | 0 | 0.0928628076980961 | 0 | 0.11033349608996566 | 0.12327571645740668 | 0.10348283567046077 | 0.10111881804711491 | 0.09442684102508472 | 0.1268383000573444 | 0.12860638622540582 Rémunération moyenne des dépôts | 0.0005923685080084302 | 0.0003813239823885369 | 0.0006051442093421324 | 0.0004731960628122746 | 0 | 0.0006157785820209862 | 0 | 0.0005883831164587601 | 0.0005498600244375095 | 0.0004622285630863248 | 0.000495299702696508 | 0.0006607648352968561 | 0.0029072514642664166 | 0.013265786558804471 Dépenses d'exploitation en % du produit net bancaire | 1.0947907128432197 | 0.5645720853346198 | 0.9470716104589777 | 0.5875081738983694 | 0 | 0.8819499744767738 | 0 | 1.0039156774860858 | 1.0205706867713509 | 0.5737959408733273 | 0.730726127728492 | 0.861869453677343 | 0.8872626843376006 | 1.0633732637111362 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 10996.275862068966 | 17898.539682539682 | 11298.947368421053 | 12641.866666666667 | 0 | 13747.368421052632 | 0 | 11398.17543859649 | 11244.070175438597 | 15460 | 13604.16393442623 | 11050.507936507936 | 8466.323529411764 | 7813.6 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 60618 | 0.19733412517734006 | 72580 | 0 | 0 | 0 | 0 | -1 | 46578 | -0.13460788138899726 | 53823 | -0.1885082772969876 | 66326 | -0.2649392676655732 | 90232 Avoirs à la BRH | 4025076 | -0.0830384320693572 | 3690840 | 0 | 0 | 0 | 0 | -1 | 4167116 | -0.027075363021301018 | 4283082 | 0.24856416412517934 | 3430406 | 0.08848424772111702 | 3151544 Avoirs à l'étranger | 361857 | 2.6729481535523703 | 1329082 | 0 | 0 | 0 | 0 | -1 | 1033589 | -0.08236680149578644 | 1126364 | -0.2590758544021734 | 1520215 | 1.295506125265569 | 662257 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 82443 | -0.33470397729340273 | 54849 | 0 | 0 | 0 | 0 | -1 | 78180 | -0.367869531117346 | 123677 | -0.18094701986754966 | 151000 | 0.07555986096073851 | 140392 4529994 | 0.136282078960811 | 5147351 | 0 | 0 | 0 | 0 | -1 | 5325463 | -0.04680249281092031 | 5586946 | 0.08107648936802177 | 5167947 | 0.2777952366529235 | 4044425 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 259477 | -0.6384402084552574 | 717660 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 | 637305 | 0.04848855728418889 | 668207 | 0 | 0 | 0 | 0 | -1 | 610585 | 0.10295525569464767 | 553590 | -0.0609096584200741 | 589496 | -0.20825090088093598 | 744549 Immobilisations | 280979 | 0.03735154584506315 | 291474 | 0 | 0 | 0 | 0 | -1 | 285583 | -0.05521186216387889 | 302272 | -0.05593693586772523 | 320182 | -0.04763292841080798 | 336196 Autres actifs | 44539 | -0.20323761198051146 | 35487 | 0 | 0 | 0 | 0 | -1 | 29845 | -0.13135223237673904 | 34358 | 0.11122610692454478 | 30919 | 5.171457085828344 | 5010 5492817 | 0.11828211280295703 | 6142519 | 0 | 0 | 0 | 0 | -1 | 6251476 | -0.034843942551418323 | 6477166 | 0.017139547749606982 | 6368021 | 0.08895267312375167 | 5847840 PASSIF Dépôts À vue | 3367385 | 0.2507913410554481 | 4211896 | 0 | 0 | 0 | 0 | -1 | 4022761 | -0.1511405630574598 | 4739019 | -0.026558875800174023 | 4868316 | 0.20276578644980076 | 4047601 Épargne | 524800 | 0.07287157012195122 | 563043 | 0 | 0 | 0 | 0 | -1 | 524317 | 0.43826601709514246 | 364548 | 0.06280046762894052 | 343007 | -0.05519425966477985 | 363045 À terme | 14153 | -0.699286370380838 | 4256 | 0 | 0 | 0 | 0 | -1 | 14286 | -0.6268512472247617 | 38285 | 0.10055480495587432 | 34787 | -0.2529688405952713 | 46567 3906338 | 0.22344635820044245 | 4779195 | 0 | 0 | 0 | 0 | -1 | 4561364 | -0.11289473131470917 | 5141852 | -0.019873391903715325 | 5246110 | 0.17699333641896853 | 4457213 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 360000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1034240 | -0.1797184405940594 | 848368 | 0 | 0 | 0 | 0 | -1 | 1151233 | 0.2878378212091144 | 893927 | 0.3237518843532781 | 675298 | 0.10096532429907609 | 613369 1034240 | -0.1797184405940594 | 848368 | 0 | 0 | 0 | 0 | -1 | 1151233 | 0.2878378212091144 | 893927 | 0.3237518843532781 | 675298 | -0.3062261074679798 | 973369 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 | 118875 | -0.2880757097791798 | 84630 | 0 | 0 | 0 | 0 | -1 | 100654 | 0.1823980640689793 | 85127 | 0.5426867943676266 | 55181 | 0.44407515963571653 | 38212 118875 | -0.2880757097791798 | 84630 | 0 | 0 | 0 | 0 | -1 | 100654 | 0.1823980640689793 | 85127 | 0.5426867943676266 | 55181 | 0.44407515963571653 | 38212 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2178 5059453 | 0.12901394676460085 | 5712193 | 0 | 0 | 0 | 0 | -1 | 5813251 | -0.0502629839438802 | 6120906 | 0.0241470511022257 | 5976589 | 0.09241812972173866 | 5470972 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0 | 103837 | 0 | 0 | 0 | 0 | -1 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 Réserves | 59288 | 0 | 59288 | 0 | 0 | 0 | 0 | -1 | 59288 | 0 | 59288 | -0.07168133279053017 | 63866 | -0.01493043773328809 | 64834 Réserves (Prov. Pour pertes sur prêts) | 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 | 0 | 0 BNR | 270239 | -0.011241900687909591 | 267201 | 0 | 0 | 0 | 0 | -1 | 275100 | 0.4243922644782147 | 193135 | -0.13674579513607982 | 223729 | 0.07460241982353252 | 208197 433364 | -0.007010273119133108 | 430326 | 0 | 0 | 0 | 0 | -1 | 438225 | 0.23007073485656543 | 356260 | -0.08985468740419791 | 391432 | 0.03864483055074987 | 376868 5492817 | 0.11828211280295703 | 6142519 | 0 | 0 | 0 | 0 | -1 | 6251476 | -0.034843942551418323 | 6477166 | 0.017139547749606982 | 6368021 | 0.08895267312375167 | 5847840 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 | 1660053.0692000003 | -1015248.1298199999 | 0 | 0 | 1660053.0692000003 | 1660069.13821 | 1489077.4429600001 | -1111258 Portefeuille brut | 637305 | 0.04848855728418889 | 668207 | 0 | 0 | 0 | 0 | -1 | 610585 | 0.10295525569464767 | 553590 | -0.0609096584200741 | 589496 | -0.20825090088093598 | 744549 Provisions pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille de crédit improductif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [cbnacomp ] CITIBANK N.A. (CBNA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 60618 | 0.011035867388263617 | 72580 | 0.011815999266750334 | 0 | 0 | 0 | 0 | 46578 | 0.007450720437861395 | 53823 | 0.008309652709224992 | 66326 | 0.010415480727843077 | 90232 | 0.015429970724233221 Avoirs à la BRH | 4025076 | 0.7327890224633371 | 3690840 | 0.600867494264161 | 0 | 0 | 0 | 0 | 4167116 | 0.6665811401979309 | 4283082 | 0.661258643054694 | 3430406 | 0.5386926330801987 | 3151544 | 0.5389244575774987 Avoirs à l'étranger | 361857 | 0.06587821877189792 | 1329082 | 0.2163740966857408 | 0 | 0 | 0 | 0 | 1033589 | 0.16533519444048095 | 1126364 | 0.1738976583277316 | 1520215 | 0.23872644264207044 | 662257 | 0.11324813948398041 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 82443 | 0.01500923842902467 | 54849 | 0.008929398508983041 | 0 | 0 | 0 | 0 | 78180 | 0.012505846619262396 | 123677 | 0.01909430760304738 | 151000 | 0.023712233361039482 | 140392 | 0.02400749678513776 4529994 | 0.8247123470525233 | 5147351 | 0.8379869887256352 | 0 | 0 | 0 | 0 | 5325463 | 0.8518729016955355 | 5586946 | 0.8625602616946979 | 5167947 | 0.8115467898111517 | 4044425 | 0.6916100645708501 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 259477 | 0.040746881959089015 | 717660 | 0.12272223590248707 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 | 637305 | 0.11602516522942599 | 668207 | 0.10878387189359935 | 0 | 0 | 0 | 0 | 610585 | 0.09767053412666064 | 553590 | 0.08546793458744148 | 589496 | 0.09257130276423398 | 744549 | 0.12732034392185831 Immobilisations | 280979 | 0.05115389789974798 | 291474 | 0.047451867873750164 | 0 | 0 | 0 | 0 | 285583 | 0.04568249162277836 | 302272 | 0.04666732333245743 | 320182 | 0.050279670874200946 | 336196 | 0.0574906290185778 Autres actifs | 44539 | 0.008108589818302703 | 35487 | 0.005777271507015282 | 0 | 0 | 0 | 0 | 29845 | 0.004774072555025405 | 34358 | 0.005304480385403122 | 30919 | 0.004855354591324369 | 5010 | 0.0008567265862267094 5492817 | 1 | 6142519 | 1 | 0 | 0 | 0 | 0 | 6251476 | 1 | 6477166 | 1 | 6368021 | 1 | 5847840 | 1 PASSIF Dépôts À vue | 3367385 | 0.6130524647007173 | 4211896 | 0.6856952335027372 | 0 | 0 | 0 | 0 | 4022761 | 0.6434897934503787 | 4739019 | 0.7316500765921392 | 4868316 | 0.7644943381939224 | 4047601 | 0.6921531710853922 Épargne | 524800 | 0.09554296092515006 | 563043 | 0.0916632085305719 | 0 | 0 | 0 | 0 | 524317 | 0.08387091304517526 | 364548 | 0.0562820221065818 | 343007 | 0.05386398694351039 | 363045 | 0.06208189690552409 À terme | 14153 | 0.002576637816260764 | 4256 | 0.0006928753496733181 | 0 | 0 | 0 | 0 | 14286 | 0.0022852203223686692 | 38285 | 0.005910764059466748 | 34787 | 0.005462764648546228 | 46567 | 0.007963111165832171 3906338 | 0.7111720634421281 | 4779195 | 0.7780513173829825 | 0 | 0 | 0 | 0 | 4561364 | 0.7296459268179227 | 5141852 | 0.7938428627581877 | 5246110 | 0.823821089785979 | 4457213 | 0.7621981791567485 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 360000 | 0.061561191824673726 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1034240 | 0.1882895425061494 | 848368 | 0.1381140212997306 | 0 | 0 | 0 | 0 | 1151233 | 0.1841537902408967 | 893927 | 0.13801205650742934 | 675298 | 0.10604519049167709 | 613369 | 0.10488812963418971 1034240 | 0.1882895425061494 | 848368 | 0.1381140212997306 | 0 | 0 | 0 | 0 | 1151233 | 0.1841537902408967 | 893927 | 0.13801205650742934 | 675298 | 0.10604519049167709 | 973369 | 0.16644932145886343 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 | 118875 | 0.02164190068593219 | 84630 | 0.013777735160444763 | 0 | 0 | 0 | 0 | 100654 | 0.0161008376261862 | 85127 | 0.013142630588748228 | 55181 | 0.008665329464208739 | 38212 | 0.0065343785055678675 118875 | 0.02164190068593219 | 84630 | 0.013777735160444763 | 0 | 0 | 0 | 0 | 100654 | 0.0161008376261862 | 85127 | 0.013142630588748228 | 55181 | 0.008665329464208739 | 38212 | 0.0065343785055678675 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2178 | 0.00037244521053927607 5059453 | 0.9211035066342097 | 5712193 | 0.9299430738431579 | 0 | 0 | 0 | 0 | 5813251 | 0.9299005546850055 | 6120906 | 0.9449975498543653 | 5976589 | 0.9385316097418649 | 5470972 | 0.935554324331719 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0.01890414335667837 | 103837 | 0.01690462821523222 | 0 | 0 | 0 | 0 | 103837 | 0.016609997383018025 | 103837 | 0.016031239588424936 | 103837 | 0.016306007784836138 | 103837 | 0.017756470765274014 Réserves | 59288 | 0.010793732978906815 | 59288 | 0.009652066196295038 | 0 | 0 | 0 | 0 | 59288 | 0.009483840296275631 | 59288 | 0.009153385909825376 | 63866 | 0.01002917546911356 | 64834 | 0.01108682864100249 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 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 | 0 | 0 | 0 BNR | 270239 | 0.04919861703020508 | 267201 | 0.04350023174531491 | 0 | 0 | 0 | 0 | 275100 | 0.04400560763570075 | 193135 | 0.029817824647384365 | 223729 | 0.03513320700418544 | 208197 | 0.03560237626200443 433364 | 0.07889649336579027 | 430326 | 0.07005692615684217 | 0 | 0 | 0 | 0 | 438225 | 0.07009944531499442 | 356260 | 0.05500245014563468 | 391432 | 0.06146839025813514 | 376868 | 0.06444567566828094 5492817 | 1 | 6142519 | 1 | 0 | 0 | 0 | 0 | 6251476 | 1 | 6477166 | 1 | 6368021 | 1 | 5847840 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 40945 | 31635 | 72580 | 0.5641361256544503 | 21369 | 25209 | 46578 | 0.4587788226201211 Avoirs à la BRH | 2372152 | 1318688 | 3690840 | 0.6427133118748035 | 3280758 | 886358 | 4167116 | 0.7872970178895908 Avoirs à l'étranger | 1329082 | 0 | 1329082 | 1 | 1033589 | 0 | 1033589 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 41284 | 13565 | 54849 | 0.7526846432934056 | 70029 | 8151 | 78180 | 0.8957405986185725 3783463 | 1363888 | 5147351 | 0.7350310868639034 | 4405745 | 919718 | 5325463 | 0.8272980208481403 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 | 505540 | 162667 | 668207 | 0.7565619635831412 | 447918 | 162667 | 610585 | 0.7335882800920429 Immobilisations | 0 | 291474 | 291474 | 0 | 0 | 285583 | 285583 | 0 Autres actifs | 20630 | 14857 | 35487 | 0.5813396455039874 | 10519 | 19326 | 29845 | 0.3524543474618864 4309633 | 1832886 | 6142519 | 0.7016067837966802 | 4864182 | 1387294 | 6251476 | 0.7780853673596444 PASSIF Dépôts À vue | 3158663 | 1053233 | 4211896 | 0.7499385075035091 | 3457127 | 565634 | 4022761 | 0.8593915969653678 Épargne | 563039 | 4 | 563043 | 0.9999928957468612 | 524313 | 4 | 524317 | 0.999992371027451 À terme | 0 | 4256 | 4256 | 0 | 9332 | 4954 | 14286 | 0.6532269354612907 3721702 | 1057493 | 4779195 | 0.7787298907033506 | 3990772 | 570592 | 4561364 | 0.8749075934303862 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 | 537926 | 310442 | 848368 | 0.6340715349942477 | 788626 | 362607 | 1151233 | 0.6850272707610014 537926 | 310442 | 848368 | 0.6340715349942477 | 788626 | 362607 | 1151233 | 0.6850272707610014 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 | 50975 | 33655 | 84630 | 0.6023277797471346 | 83766 | 16888 | 100654 | 0.8322172988654202 50975 | 33655 | 84630 | 0.6023277797471346 | 83766 | 16888 | 100654 | 0.8322172988654202 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 4310603 | 1401590 | 5712193 | 0.7546318900639387 | 4863164 | 950087 | 5813251 | 0.8365652885106801 AVOIR DES ACTIONNAIRES Capital versé | 0 | 103837 | 103837 | 0 | 0 | 103837 | 103837 | 0 Réserves | 0 | 59288 | 59288 | 0 | 0 | 59288 | 59288 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 267201 | 267201 | 0 | 0 | 275100 | 275100 | 0 0 | 430326 | 430326 | 0 | 0 | 438225 | 438225 | 0 0 4310603 | 1831916 | 6142519 | 0.7017646994661311 | 4863164 | 1388312 | 6251476 | 0.7779225258163032 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [CBNARÉSULT ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 19599 | 0.010867901423542017 | 19812 | 0 | 0 | 0 | 0 | 13680 | -0.0017543859649122807 | 13656 | 0.0053456356180433505 | 13729 | 0.2961614101536893 | 17795 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4870 | -0.3515400410677618 | 3158 | 0 | 0 | 0 | 0 | 9024 | -0.03623670212765957 | 8697 | -0.11417730251810969 | 7704 | -0.5545171339563862 | 3432 24469 | -0.061261187625158364 | 22970 | 0 | 0 | 0 | 0 | 22704 | -0.01545983086680761 | 22353 | -0.041157786426877827 | 21433 | -0.009611346988289087 | 21227 Dépenses d'intérêt | 627 | 0.04784688995215311 | 657 | 0 | 0 | 0 | 0 | 508 | 0.1377952755905512 | 578 | 0.1453287197231834 | 662 | -0.010574018126888218 | 655 23842 | -0.06413052596258703 | 22313 | 0 | 0 | 0 | 0 | 22196 | -0.018967381510182013 | 21775 | -0.04610792192881745 | 20771 | -0.009580665350729382 | 20572 AUTRES REVENUS Commissions | 22248 | -0.06000539374325782 | 20913 | 0 | 0 | 0 | 0 | 72586 | -0.6229713718898962 | 27367 | 0.2785836956918917 | 34991 | -2.6018976308193538 | -56052 Gains sur change | 16499 | 0.6156736771925572 | 26657 | 0 | 0 | 0 | 0 | 46166 | -0.01076549841874973 | 45669 | -0.07639755632923866 | 42180 | -0.317425320056899 | 28791 Autres | 17134 | 0 | 10622 | 0 | 0 | 0 | 0 | 3 | 0 | 3 | 0 | 8 | 10986.625 | 87901 55881 | 0.04135573808629051 | 58192 | 0 | 0 | 0 | 0 | 118755 | -0.3849606332364953 | 73039 | 0.056682046577855666 | 77179 | -0.21429404371655503 | 60640 PRODUIT NET BANCAIRE | 79723 | 0.009808963536244246 | 80505 | 0 | 0 | 0 | 0 | 140951 | -0.3273265177260183 | 94814 | 0.033075284240723944 | 97950 | -0.17088310362429812 | 81212 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 79723 | 0.009808963536244246 | 80505 | 0 | 0 | 0 | 0 | 140951 | -0.3273265177260183 | 94814 | 0.033075284240723944 | 97950 | -0.17088310362429812 | 81212 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 25796 | 0.03411381609551869 | 26676 | 0 | 0 | 0 | 0 | 29710 | -0.24402558061258836 | 22460 | 0.12319679430097952 | 25227 | 0.11943552542910374 | 28240 Frais de locaux | 7779 | -0.02789561640313665 | 7562 | 0 | 0 | 0 | 0 | 6369 | -0.036583451091223115 | 6136 | 0.03536505867014342 | 6353 | 0.09192507476782623 | 6937 Amortissement | 4606 | 0.00803300043421624 | 4643 | 0 | 0 | 0 | 0 | 4743 | -0.056293485135989876 | 4476 | 0.0042448614834673815 | 4495 | -0.0004449388209121246 | 4493 Autres dépenses d'exploitation | 49099 | -0.23902727143119004 | 37363 | 0 | 0 | 0 | 0 | 38755 | -0.41602373887240357 | 22632 | 1.2230470130788265 | 50312 | -0.16799173159484815 | 41860 87280 | -0.1264436296975252 | 76244 | 0 | 0 | 0 | 0 | 79577 | -0.29999874335549215 | 55704 | 0.5508222030733879 | 86387 | -0.056223737367891005 | 81530 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -7557 | 1.5638480878655552 | 4261 | 0 | 0 | 0 | 0 | 61374 | -0.3627594746961254 | 39110 | -0.7043467143952953 | 11563 | -1.0275015134480672 | -318 Impôts sur le revenu | -2348 | 1.5630323679727427 | 1322 | 0 | 0 | 0 | 0 | 19064 | -0.36277801091061684 | 12148 | -0.7042311491603556 | 3593 | -1.0275535763985528 | -99 BÉNÉFICE NET | -5209 | 1.5642157803801113 | 2939 | 0 | 0 | 0 | 0 | 42310 | -0.3627511226660364 | 26962 | -0.7043987834730361 | 7970 | -1.027478042659975 | -219 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 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 | 19599 | 0.4326754385964912 | 13680 | 19812 | 0.4507908611599297 | 13656 | 0 | 0 | 13729 | 0 | 0 | 17795 | 39411 | 0.44172519754170325 | 27336 | 58860 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4870 | -0.46032801418439717 | 9024 | 3158 | -0.636886282626193 | 8697 | 0 | 0 | 7704 | 0 | 0 | 3432 | 8028 | -0.5469781615033011 | 17721 | 28857 24469 | 0.07773960535588442 | 22704 | 22970 | 0.02760255894063437 | 22353 | 0 | 0 | 21433 | 0 | 0 | 21227 | 47439 | 0.05286636926559691 | 45057 | 87717 Dépenses d'intérêt | 627 | 0.234251968503937 | 508 | 657 | 0.13667820069204153 | 578 | 0 | 0 | 662 | 0 | 0 | 655 | 1284 | 0.18232044198895028 | 1086 | 2403 23842 | 0.07415750585691115 | 22196 | 22313 | 0.024707233065442022 | 21775 | 0 | 0 | 20771 | 0 | 0 | 20572 | 46155 | 0.04966910008869482 | 43971 | 85314 AUTRES REVENUS Commissions | 22248 | -0.6934946132863087 | 72586 | 20913 | -0.23583147586509298 | 27367 | 0 | 0 | 34991 | 0 | 0 | -56052 | 43161 | -0.5681870479125188 | 99953 | 78892 Gains sur change | 16499 | -0.6426157778451674 | 46166 | 26657 | -0.4162998970855504 | 45669 | 0 | 0 | 42180 | 0 | 0 | 28791 | 43156 | -0.530070234659988 | 91835 | 162806 Autres | 17134 | 5710.333333333333 | 3 | 10622 | 3539.6666666666665 | 3 | 0 | 0 | 8 | 0 | 0 | 87901 | 27756 | 4625 | 6 | 87915 55881 | -0.5294429708222812 | 118755 | 58192 | -0.203274962691165 | 73039 | 0 | 0 | 77179 | 0 | 0 | 60640 | 114073 | -0.40523165479629186 | 191794 | 329613 PRODUIT NET BANCAIRE | 79723 | -0.4343920937063235 | 140951 | 80505 | -0.15091653131394098 | 94814 | 0 | 0 | 97950 | 0 | 0 | 81212 | 160228 | -0.32039106737641293 | 235765 | 414927 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 79723 | -0.4343920937063235 | 140951 | 80505 | -0.15091653131394098 | 94814 | 0 | 0 | 97950 | 0 | 0 | 81212 | 160228 | -0.32039106737641293 | 235765 | 414927 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 25796 | -0.13174015483002355 | 29710 | 26676 | 0.18771148708815671 | 22460 | 0 | 0 | 25227 | 0 | 0 | 28240 | 52472 | 0.00578876749089515 | 52170 | 105637 Frais de locaux | 7779 | 0.2213848327837965 | 6369 | 7562 | 0.23239895697522817 | 6136 | 0 | 0 | 6353 | 0 | 0 | 6937 | 15341 | 0.22678928428628548 | 12505 | 25795 Amortissement | 4606 | -0.028884672148429266 | 4743 | 4643 | 0.03731009830205541 | 4476 | 0 | 0 | 4495 | 0 | 0 | 4493 | 9249 | 0.0032541490400260333 | 9219 | 18207 Autres dépenses d'exploitation | 49099 | 0.26690749580699263 | 38755 | 37363 | 0.650892541534111 | 22632 | 0 | 0 | 50312 | 0 | 0 | 41860 | 86462 | 0.40847410689559677 | 61387 | 153559 87280 | 0.0967993264385438 | 79577 | 76244 | 0.36873474077265544 | 55704 | 0 | 0 | 86387 | 0 | 0 | 81530 | 163524 | 0.20877285058507847 | 135281 | 303198 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -7557 | -1.1231303157688923 | 61374 | 4261 | -0.8910508821273332 | 39110 | 0 | 0 | 11563 | 0 | 0 | -318 | -3296 | -1.0328012419887744 | 100484 | 111729 Impôts sur le revenu | -2348 | -1.1231640788921526 | 19064 | 1322 | -0.89117550214027 | 12148 | 0 | 0 | 3593 | 0 | 0 | -99 | -1026 | -1.032871972318339 | 31212 | 34706 BÉNÉFICE NET | -5209 | -1.1231151028125739 | 42310 | 2939 | -0.8909947333283881 | 26962 | 0 | 0 | 7970 | 0 | 0 | -219 | -2270 | -1.0327693729068022 | 69272 | 77023 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 39411 | 0.44172519754170325 | 27336 | 58860 | 0.09062610016861532 | 53969 | -0.36209871873670274 | 84604 | -0.33848860393291375 | 127895 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 18327 | 0.3079503282900371 | 14012 | -0.6985434908887502 | 46481 Autres | 8028 | -0.5469781615033011 | 17721 | 28857 | 0.48962419987610983 | 19372 | 0.8553778373718992 | 10441 | 4.912231030577576 | 1766 47439 | 0.05286636926559691 | 45057 | 87717 | -0.04310119125539992 | 91668 | -0.15944872864648763 | 109057 | -0.3808574899796755 | 176142 Dépenses d'intérêt | 1284 | 0.18232044198895028 | 1086 | 2403 | -0.29982517482517484 | 3432 | -0.7566820276497696 | 14105 | -0.7651358731850273 | 60056 46155 | 0.04966910008869482 | 43971 | 85314 | -0.033115735074119405 | 88236 | -0.07073047434493218 | 94952 | -0.18205468359664387 | 116086 AUTRES REVENUS Commissions | 43161 | -0.5681870479125188 | 99953 | 78892 | -0.19021175697730516 | 97423 | 0.2678682977615825 | 76840 | 0.39331628859997464 | 55149 Gains sur change | 43156 | -0.530070234659988 | 91835 | 162806 | 0.003266040572851192 | 162276 | 0.47511567235408014 | 110009 | -0.08814435980537619 | 120643 Autres | 27756 | 4625 | 6 | 87915 | 562.5576923076923 | 156 | -0.9742319127849356 | 6054 | 4.348056537102473 | 1132 114073 | -0.40523165479629186 | 191794 | 329613 | 0.268449712339574 | 259855 | 0.34707599156052527 | 192903 | 0.09031561574461351 | 176924 PRODUIT NET BANCAIRE | 160228 | -0.32039106737641293 | 235765 | 414927 | 0.19200726246872227 | 348091 | 0.2092581334352365 | 287855 | -0.01759325620285997 | 293010 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 160228 | -0.32039106737641293 | 235765 | 414927 | 0.19200726246872227 | 348091 | 0.2092581334352365 | 287855 | -0.01759325620285997 | 293010 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 52472 | 0.00578876749089515 | 52170 | 105637 | 0.0926458419528341 | 96680 | -0.04282913886303784 | 101006 | -0.02645757631251747 | 103751 Frais de locaux | 15341 | 0.22678928428628548 | 12505 | 25795 | 0.4347294065298404 | 17979 | -0.06271504535502033 | 19182 | 0.11939775910364146 | 17136 Amortissement | 9249 | 0.0032541490400260333 | 9219 | 18207 | -0.09566383549396514 | 20133 | 0.06721441823482639 | 18865 | -0.06867101105845182 | 20256 Autres dépenses d'exploitation | 86462 | 0.40847410689559677 | 61387 | 153559 | -0.07056174606729332 | 165217 | 0.42 | 116350 | -0.31733905982304206 | 170436 163524 | 0.20877285058507847 | 135281 | 303198 | 0.010629681109566714 | 300009 | 0.17464947553474314 | 255403 | -0.18029456413943173 | 311579 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -3296 | -1.0328012419887744 | 100484 | 111729 | 1.323717815398694 | 48082 | 0.4816344139036115 | 32452 | 2.74764392266681 | -18569 Impôts sur le revenu | -1026 | -1.032871972318339 | 31212 | 34706 | 1.3241143775530704 | 14933 | 0.4811545328307875 | 10082 | 2.7518679409209383 | -5755 BÉNÉFICE NET | -2270 | -1.0327693729068022 | 69272 | 77023 | 1.3235391716190534 | 33149 | 0.48185069289226645 | 22370 | 2.745746839394412 | -12814 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 6702422 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2012504 Dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 5900088 Avoir des Actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 381572 2020 | (1er octobre au 31 décembre 2018) et deuxième trimestre de l'exercice fiscal 2014-2015 (1er octobre au 31 décembre 2017). | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats Revenus nets d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres revenus | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dot. à la prov. pr créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bénéfice (perte) net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05693046483793471 | 0.0522375539803038 Dépôts en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.8802919302902742 | 0.8767457712332675 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06872014267058517 | 0.05685393797081728 Provisions pour créances douteuses en % des prêts improductifs bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5685748629475483 | 0.68622554464597 Prêts improductifs nets en % de l'avoir des actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.16272682481943118 | 0.13264599628454107 Rentabilité ROA (rendement de l'actif) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010548444886662215 | 0.008638096021353353 ROE (rendement avoir des action.) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19249911632700958 | 0.18415204049069728 Revenus nets d'intérêt en % des revenus d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.9007887696143022 | 0.9797062610769793 Rendement moyen des prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12596896452166792 | 0.09405662694680221 Rendement moyen des prêts productifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13439307623958416 | 0.10023632250565184 Rémunération moyenne des dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.005034994051497499 | 0.0008609572227628543 Dépenses d'exploitation en % du produit net bancaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.7879742780532948 | 0.779948987372431 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4708.715083798883 | 3757.6067415730336 [scotiavar] SCOTIA BANK (SCOTIA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 90909 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3048613 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1300841 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 132799 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4573162 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2012504 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100641 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16115 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3743014 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1815518 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 341556 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5900088 0 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320949 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320949 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42741 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42741 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 57072 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6320850 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 94373 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 87074 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25462 Surplus d'apport | 0 | 0 | 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 | 174663 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 381572 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 65193 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 933815 Portefeuille brut | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2094335 Provisions pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 81831 Portefeuille de crédit improductif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 143923 [scotiacomp ] SCOTIA BANK (SCOTIA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 90909 | 0.013563604320945473 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3048613 | 0.45485243990903584 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1300841 | 0.19408521277830612 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 132799 | 0.019813583805973423 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4573162 | 0.6823148408142609 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2012504 | 0.30026518771870825 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100641 | 0.01501561674272375 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16115 | 0.0024043547243071234 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 | 1 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3743014 | 0.5584569279582814 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1815518 | 0.27087491656001367 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 341556 | 0.05096008577197914 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5900088 | 0.8802919302902742 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320949 | 0.04788552556075998 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320949 | 0.04788552556075998 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42741 | 0.006376948512045347 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42741 | 0.006376948512045347 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 57072 | 0.008515130798985799 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6320850 | 0.9430695351620653 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 94373 | 0.014080432416818875 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 87074 | 0.012991423100485167 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25462 | #DIV/0! Surplus d'apport | 0 | 0 | 0 | 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 | 174663 | 0.026059684096286388 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 381572 | 0.05693046483793471 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 | 1 [scotiagdes&$] SCOTIA BANK (SCOTIA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 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 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [SCOTIARÉSULT ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 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 | 0 | 0 Dépenses d'intérêt | 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 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 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 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 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 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 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 | 0 | 0 Dépenses d'intérêt | 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 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 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 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 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 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [SCOTIAVARAN ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 115924 | -0.5683288213981166 | 268547 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5069 | -0.06544985250737463 | 5424 0 | 0 | 0 | 0 | 0 | 0 | 0 | 120993 | -0.558372966481854 | 273971 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12889 | -0.5258084691512454 | 27181 0 | 0 | 0 | 0 | 0 | 0 | 0 | 108104 | -0.5619595607601605 | 246790 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 50424 | -0.5195289050663668 | 104947 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 19050 | -0.7319091446424048 | 71058 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12921 | 10.465934065934066 | -1365 0 | 0 | 0 | 0 | 0 | 0 | 0 | 82395 | -0.5282008703618873 | 174640 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 190499 | -0.5479700068813326 | 421430 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8775.9 | 3.7187645218253342 | -3227.9000000000015 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 181723.1 | -0.5720717782478555 | 424657.9 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 64003 | -0.3315194685828877 | 95744 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12693 | -0.529470640569395 | 26976 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1719 | -0.747391623806025 | 6805 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 145519 | -0.2815685926013695 | 202551 0 | 0 | 0 | 0 | 0 | 0 | 0 | 223934 | -0.3256543682771414 | 332076 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -42210.899999999994 | -1.4559303708392244 | 92581.90000000002 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8831.43 | -0.6820329458459812 | 27774.67 BÉNÉFICE NET (PERTE NETTE) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -51042.329999999994 | -1.7876024017690617 | 64807.230000000025 [sogebkinfin ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) INDICATEURS FINANCIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 104436835.64286 | 0.0934143812993531 | 114192738.02929999 | 0 | 0 | 0 | 0 | 0.08443725149634959 | 105301379.00716 | 0.21533716576034012 | 86643757.77669999 | 0.17785136696220455 | 73560858.53189 | 0.04432834839325524 | 70438438.87324001 Bons B.R.H. | 400000 | 5 | 2400000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1294000 | -0.19125 | 1600000 | 2.5555555555555554 | 450000 Prêts nets | 31085149.57939 | 0.02016890837049994 | 31712103.112940002 | 0 | 0 | 0 | 0 | -0.012448360666973869 | 32111842.915229995 | 0.13622484120147163 | 28261873.66338 | 0.25428331186898884 | 22532288.675090004 | 0.060873134662724586 | 21239380.97674 Dépôts | 84460470.47502138 | 0.10019382251689679 | 92922887.86348927 | 0 | 0 | 0 | 0 | 0.07702913614609377 | 86277041.85978933 | 0.2204181114290965 | 70694658.70082822 | 0.17636733221359918 | 60095734.35518679 | 0.03233236471147903 | 58213552.54320891 Avoir des Actionnaires | 7866788.84787 | -0.12873529668769612 | 6854055.451559996 | 0 | 0 | 0 | 0 | -0.08866149536650053 | 7520866.743490003 | 0.09266084787144925 | 6883075.162929996 | 0.17081376277810323 | 5878881.323189998 | 0.11567355569832939 | 5269356.15993 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats Revenus nets d'intérêt | 841332.5869699998 | 0.10142415853444699 | 763858.8462500001 | 776717.2181500001 | 0.08169367087069834 | 718056.5432400001 | 0 | 0 | 836272.53712 | 0 | 0 | 995294.05282 | 1618049.80512 | 0.09186382474700563 | 1481915.38949 Autres revenus | 594738.8348212 | 0.06827212391943871 | 556729.7147464 | 666598.975446671 | 0.045623482975856694 | 637513.3939700001 | 0 | 0 | 687041.34194883 | 0 | 0 | 634617.7897889974 | 1261337.810267871 | 0.056181778284310833 | 1194243.1087164 Dot. à la prov. pr créances douteuses | 222617.40250000003 | 0.8746976194279743 | 118748.43185 | 139188.53673 | 0.1044522013282049 | 126024.95297 | 0 | 0 | 168239.77074 | 0 | 0 | 140826.91974999997 | 361805.93923 | 0.47812614306928325 | 244773.38481999998 Dépenses d'exploitation | 982493.4779299999 | 0.12906413453893792 | 870183.94073 | 1021648.3937799999 | 0.08685409685263493 | 940005.0998 | 0 | 0 | 1068686.3622499998 | 0 | 0 | 1118740.5023200002 | 2004141.87171 | 0.10714506984486732 | 1810189.0405299999 Bénéfice (perte) net | 196060.5413611998 | -0.21467782311011027 | 249656.1884164001 | 241629.26308667113 | 0.05266787807341177 | 229539.88444000017 | 0 | 0 | 221087.7460788302 | 0 | 0 | 374844.4205389973 | 437689.8044478707 | -0.08661646194452015 | 479196.0728564006 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07532580625835752 | 0.07709821911893772 | 0.060021815483584935 | 0.0707927947524805 | 0 | 0.07254664008426427 | 0 | 0.07142230058524324 | 0.060021815483584935 | 0.0707927947524805 | 0.07142230058524324 | 0.07944109696475993 | 0.07991860672264169 | 0.07480796343900603 Dépôts en % de l'actif | 0.8087229946706611 | 0.8083621494722226 | 0.8137372784567682 | 0.8045431991107617 | 0 | 0.8280068986880826 | 0 | 0.8193343968830921 | 0.8137372784567682 | 0.8045431991107617 | 0.8193343968830921 | 0.8159232761236407 | 0.8169525961844799 | 0.8264458082038015 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.02138492347377597 | 0.01569543465539145 | 0.019390433983143454 | 0.055682150146817815 | 0 | 0.059874046537882294 | 0 | 0.01752335009540226 | 0.019390433983143454 | 0.055682150146817815 | 0.01752335009540226 | 0.009889922284401194 | 0.023129614774694583 | 0.032819462577018274 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.9146075871874517 | 1.6784645111437315 | 2.76039087169802 | 0.4846509786957585 | 0 | 0.516235041848072 | 0 | 2.15392953028409 | 2.76039087169802 | 0.4846509786957585 | 2.15392953028409 | 2.526588002623216 | 1.631193197118891 | 1.253213939942088 Prêts improductifs nets en % de l'avoir des actionnaires | -0.080584939165063 | -0.04612022880070303 | -0.1668649038445832 | 0.13258893921159043 | 0 | 0.12981510965861282 | 0 | -0.0897228710206966 | -0.1668649038445832 | 0.13258893921159043 | -0.0897228710206966 | -0.06358037634935687 | -0.05814921635371679 | -0.03493361736482914 Rentabilité ROA (rendement de l'actif) | 0.0074782954241641286 | 0.011162017828076614 | 0.008841594813664129 | 0.009588939942352933 | 0 | 0.008782433794080328 | 0 | 0.01445341563999182 | 0.00797633777811305 | 0.010313125142571856 | 0.011202453549889885 | 0.011383686790908908 | 0.010476159474192627 | 0.015564538256984568 ROE (rendement avoir des action.) | 0.10193133850554109 | 0.14267713856816377 | 0.1313127199346995 | 0.12987602941060108 | 0 | 0.12251833124648655 | 0 | 0.200808815417434 | 0.12179260479019192 | 0.13783092084902657 | 0.14928250147899153 | 0.14290278896485956 | 0.14081532750106415 | 0.21161221850485226 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7461146478069605 | 0.8010008331397307 | 0.7524060485007702 | 0.783713647752467 | 0 | 0.7940562586988974 | 0 | 0.7393111929040466 | 0.7491215437694093 | 0.7925301601901361 | 0.7761248646118251 | 0.7754640419260888 | 0.740530066579505 | 0.7384321497851011 Rendement moyen des prêts | 0.12557471374958676 | 0.11089080867744454 | 0.10597950420248481 | 0.10227730200528151 | 0 | 0.11461819513197079 | 0 | 0.14734584334124715 | 0.11399068874798436 | 0.1066307682083664 | 0.122047295499413 | 0.10951382869452511 | 0.10949613651669089 | 0.1165599849408993 Rendement moyen des prêts productifs | 0.12806245291986645 | 0.11233789209203651 | 0.10818332170317632 | 0.10611945517601125 | 0 | 0.12164987652565022 | 0 | 0.1532698770251001 | 0.1161343859239449 | 0.11039273485546712 | 0.12377708562221774 | 0.11127261078272137 | 0.11326343387685847 | 0.12144614872788519 Rémunération moyenne des dépôts | 0.013414077993527418 | 0.010448722934224185 | 0.011527305405605663 | 0.010265996118795466 | 0 | 0.010552784995542096 | 0 | 0.016430349714417286 | 0.012095536139478927 | 0.010309459699045759 | 0.012177762779105613 | 0.011432343876355026 | 0.012782494509331483 | 0.014490003478511261 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.6841536312341235 | 0.6589364518449529 | 0.7078479395662455 | 0.6934390281143995 | 0 | 0.7015536173695637 | 0 | 0.6863809888817263 | 0.6960305937969488 | 0.6764132400017467 | 0.6857698436593007 | 0.6863308948616355 | 0.7110305086638463 | 0.6230409619146867 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4304.4478734843005 | 3727.8435031655617 | 4435.854609594072 | 3903.7291208351335 | 0 | 4468.834262028105 | 0 | 4829.368422545177 | 4392.65845215541 | 3825.816294791137 | 4207.422749826219 | 3418.4905367064193 | 2975.7234170833362 | 2941.9717203651107 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 2714731.04484 | 0.24414163824802113 | 3377509.92953 | 0 | 0 | 0 | 0 | -0.1829662909501839 | 4133868.5198899996 | 0.2790735423954596 | 3231924.03163 | 0.16859104542579878 | 2765658.73432 | 0.23062860422175177 | 2247354.50227 Avoirs à la BRH | 39856287.88824 | 0.045538977580888436 | 41671302.48884 | 0 | 0 | 0 | 0 | 0.0694218340770333 | 38966197.58544999 | 0.29529112363845467 | 30082965.03723 | 0.20851501659321364 | 24892504.12629 | 0.050573302404947354 | 23694209.69418 Avoirs à l'étranger | 3920621.2111099996 | 0.378846371761449 | 5405934.331990001 | 0 | 0 | 0 | 0 | 0 | 4759170.6993 | 0 | 2148084.07039 | 0.32748777419658076 | 1618157.3285600003 | -0.024029877787984 | 1657998.83801 Avoirs dans les banques locales | 11019 | 0.01851710681550058 | 11223.04 | 0 | 0 | 0 | 0 | 1.0069814020028613 | 5592 | -0.28950296252234603 | 7870.54654 | -0.11626636777180285 | 8906.01676 | 2.367063956529827 | 2645.03938 Autres liquidités | 251409.79791 | -0.5452799894818545 | 114321.06595000002 | 0 | 0 | 0 | 0 | -0.6919585937165564 | 371122.39983999997 | 4.129232693861531 | 72354.36994 | -0.4100052995953666 | 122635.62688 | 0.07212850737352773 | 114385.1936 46754068.942099996 | 0.08183719622239469 | 50580290.85631 | 0 | 0 | 0 | 0 | 0.048601501438045154 | 48235951.20447999 | 0.35710779679556054 | 35543198.05573 | 0.20862911617990787 | 29407861.832810003 | 0.061020073753321566 | 27716593.26744 Bons B.R.H. | 400000 | 5 | 2400000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1294000 | -0.19125 | 1600000 | 2.5555555555555554 | 450000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 18566119.05058 | 0.13325604924916803 | 21040166.725150004 | 0 | 0 | 0 | 0 | 0.10521390281827529 | 19037189.698299997 | 0.1846914332765642 | 16069323.339030001 | 0.09111072495658237 | 14727490.9608 | -0.08928617890021441 | 16171370.873690002 Portefeuille net | 31085149.57939 | 0.02016890837049994 | 31712103.112940002 | 0 | 0 | 0 | 0 | -0.012448360666973869 | 32111842.915229995 | 0.13622484120147163 | 28261873.66338 | 0.25428331186898884 | 22532288.675090004 | 0.060873134662724586 | 21239380.97674 Immobilisations | 2946847.726970001 | 0.04614812896349685 | 3082839.2359100003 | 0 | 0 | 0 | 0 | 0.05315552132743629 | 2927240.25415 | -0.02415283894338424 | 2999691.31537 | 0.09714748148582115 | 2734082.12295 | 0.04926917097895173 | 2605701.3763200003 Autres actifs | 4684650.343819998 | 0.14786327779698585 | 5377338.09899 | 0 | 0 | 0 | 0 | 0.7989492735979574 | 2989154.935 | 0 | 2475671.40319 | -0.03261396487446363 | 2559134.94024 | 0 | 2255392.3790499996 104436835.64286 | 0.0934143812993531 | 114192738.02929999 | 0 | 0 | 0 | 0 | 0.08443725149634959 | 105301379.00716 | 0 | 86643757.77669999 | 0.17785136696220455 | 73560858.53189 | 0 | 70438438.87324001 0 | 0 | 0 PASSIF | 0 | 0 | 0 Dépôts | 0 | 0 | 0 À vue | 34718381.79021001 | 0.17413693435806332 | 40764134.36102999 | 0 | 0 | 0 | 0 | 0.1320683785900839 | 36008544.29994681 | 0.21754378886942452 | 29574742.714907434 | 0.1465257073654054 | 25795097.767905317 | 0.19589666051933563 | 21569671.20947007 Épargne | 29068346.352240004 | 0.0407846589281004 | 30253888.943820003 | 0 | 0 | 0 | 0 | 0.059896813848183406 | 28544183.309672147 | 0.2212460382606412 | 23372999.71947191 | 0.09564390913095178 | 21332660.66162958 | 0.013814928835216208 | 21041967.37972573 À terme | 20673742.332571365 | 0.059550042090264876 | 21904864.55863928 | 0 | 0 | 0 | 0 | 0.008310978491185096 | 21724314.25017037 | 0.2241176959425268 | 17746916.266448893 | 0.36851860060472524 | 12967975.925651891 | -0.16882146870728781 | 15601913.954013113 84460470.47502138 | 0.10019382251689679 | 92922887.86348927 | 0 | 0 | 0 | 0 | 0.07702913614609377 | 86277041.85978933 | 0.2204181114290965 | 70694658.70082822 | 0.17636733221359918 | 60095734.35518679 | 0.03233236471147903 | 58213552.54320891 0 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 | 4299499.38372 | 0.24923000851156385 | 5371063.6517199995 | 0 | 0 | 0 | 0 | 0.1391375102778425 | 4715026.590960002 | 0.8114585608379633 | 2602889.5680500004 | 0.19279365913644386 | 2182179.24627 | 0.5570539614340781 | 1401479.525 4299499.38372 | 0.24923000851156385 | 5371063.6517199995 | 0 | 0 | 0 | 0 | 0.1391375102778425 | 4715026.590960002 | 0.8114585608379633 | 2602889.5680500004 | 0.19279365913644386 | 2182179.24627 | 0.5570539614340781 | 1401479.525 Obligations à terme Banques locales | 4989281.53767 | 0.00946107721795213 | 5036485.515559999 | 0 | 0 | 0 | 0 | 0.258104252177905 | 4003233.8392 | 1.0768766090458932 | 1927526.08497 | 0.2126360249188096 | 1589533.9123699998 | 1.229892841266061 | 712829.73018 Banque à l'étranger | 592.90439 | 330.82126745595525 | 196738.28617 | 0 | 0 | 0 | 0 | 297.2083457562631 | 659.73434 | -0.9996995103441091 | 2195530.95112 | 0.38687793837260204 | 1583074.39348 | -0.059353988167959636 | 1682965.0831100002 Autres | 908379.81311 | -0.24872423914449127 | 682443.7352400001 | 0 | 0 | 0 | 0 | -0.08140739257009123 | 742923.17369 | 0.02334256853511094 | 725977.00568 | -0.08336263331638934 | 792000.23048 | -0.2601231412639589 | 1070448.7120100001 5898254.255170001 | 0.002952277241140595 | 5915667.53697 | 0 | 0 | 0 | 0 | 0.24623886953758678 | 4746816.74723 | -0.02107992925178324 | 4849034.04177 | 0.22308015970189687 | 3964608.53633 | 0.14377668718093523 | 3466243.5253 Autres passifs | 1911822.68108 | 0.6366912876106133 | 3129063.52558 | 0 | 0 | 0 | 0 | 0.5326322706697811 | 2041627.0657100002 | 0.26487000950408834 | 1614100.30309 | 0.12132732436152036 | 1439455.07081 | -0.3105421199311306 | 2087807.1198 96570046.79499137 | 0.1115111376680665 | 107338682.57775928 | 0 | 0 | 0 | 0 | 0.09775128083082653 | 97780512.26368931 | 0.225923714033602 | 79760682.61373822 | 0.178462655839895 | 67681977.2085968 | 0.03855961125527234 | 65169082.713308915 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 1 | 3000000 | 0 | 0 | 0 | 0 | 1 | 1500000 | 0 | 1500000 | 0.11464494842909372 | 1345720 | 0.011367095171708898 | 1330595 Réserves | 2630258.98559 | -0.6191780539377894 | 1001660.3455399999 | 0 | 0 | 0 | 0 | -0.5961694136489808 | 2480397.4225700004 | 0.010935318103400595 | 2453566.88816 | 0.2231248291281873 | 2005982.4064800001 | 0.28321173314158277 | 1563251.29725 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 376690.93492 | -1.0000000002123757 | -8e-05 | 0 | 0 | 0 | 0 | -1.0000000002123757 | 376690.93492 | 0.013108574169605786 | 371816.94492 | 0.7637007500620995 | 210816.3445 | 0.6745054941270606 | 125897.67262 BNR | 3359838.927359999 | -0.15103218702770613 | 2852395.1060999963 | 0 | 0 | 0 | 0 | -0.09842133105084265 | 3163778.386000003 | 0.23696645841371075 | 2557691.3298499957 | 0.10418436238578636 | 2316362.572209997 | 0.029671950767752503 | 2249612.190060001 7866788.84787 | -0.12873529668769612 | 6854055.451559996 | 0 | 0 | 0 | 0 | -0.08866149536650053 | 7520866.743490003 | 0.09266084787144925 | 6883075.162929996 | 0.17081376277810323 | 5878881.323189998 | 0.11567355569832939 | 5269356.15993 104436835.64286137 | 0.09341438129952337 | 114192738.02931927 | 0 | 0 | 0 | 0 | 0.08443725149633367 | 105301379.00717932 | 0.21533716576100878 | 86643757.77666822 | 0.17785136696342518 | 73560858.5317868 | 0.044328348391806174 | 70438438.87323892 Hors-bilan Effets à l'encaissement | 17408.62483 | 8313.37009 | 0 | 0 | 11996.07348 | 140620.2047 | 61909.50762 | 111401.26890000001 Crédit documentaire | 1741818.1021299998 | 1944464.5675800003 | 0 | 0 | 1838622.5177399998 | 1615259.18351 | 1162471.39501 | 1115041.48352 Autres | 7247480.056159999 | 8405735.0967 | 0 | 0 | 6761928.37086 | 5409543.9882499995 | 4168139.03058 | 4345757.98061 Portefeuille brut | 32412227.28012 | 0.03372996021660485 | 33505490.416810002 | 0 | 0 | 0 | 0 | 0.004017652295836534 | 33371415.672019996 | 0.15128739048151293 | 28986173.17268 | 0.23789278610604409 | 23415738.017070003 | 0.057123709620811196 | 22150423.64859 | 0.15357166325707972 Provisions pour créances douteuses | 1327077.70073 | 0.35138078417223956 | 1793387.30387 | 0 | 0 | 0 | 0 | 0.4238060439163652 | 1259572.75679 | 0.739021966213004 | 724299.5093 | -0.18014596323464455 | 883449.34198 | -0.03028763714653221 | 911042.67185 | 0.004735417357997233 Portefeuille de crédit improductif | 693133 | -0.0626820538049696 | 649686 | 0 | 0 | 0 | 0 | 0.11099406784443354 | 584779 | 1.0398959085502195 | 286671 | -0.47069315376562276 | 541597 | -0.25498889217500154 | 726965 | -0.3526037102674669 I/Aa | 0.374593469324893 | 0.44978323529733627 | #DIV/0! | #DIV/0! | 0.3892158116860392 liq/ac | 0.45150802063126055 | 0.46395499197782725 | #DIV/0! | #DIV/0! | 0.45807520907394933 liq/de | 0.5582974932166107 | 0.5701532967221385 | #DIV/0! | #DIV/0! | 0.5590821169189977 lid | 47154068.942099996 | 48235951.20447999 [sogebkcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 2714731.04484 | 0.025993999417250606 | 3377509.92953 | 0.029577274245437445 | 0 | 0 | 0 | 0 | 4133868.5198899996 | 0.039257496519669664 | 3231924.03163 | 0.03730129110927274 | 2765658.73432 | 0.037596879502446744 | 2247354.50227 | 0.03190522871062356 Avoirs à la BRH | 39856287.88824 | 0.3816305582499219 | 41671302.48884 | 0.36492077524358707 | 0 | 0 | 0 | 0 | 38966197.58544999 | 0.3700445136886619 | 30082965.03723 | 0.3472029123524445 | 24892504.12629 | 0.33839333339888406 | 23694209.69418 | 0.33638181188001276 Avoirs à l'étranger | 3920621.2111099996 | 0.03754059750064861 | 5405934.331990001 | 0.047340438851750155 | 0 | 0 | 0 | 0 | 4759170.6993 | 0.04556984774581658 | 2148084.07039 | 0.024792138816579087 | 1618157.3285600003 | 0.021997531851242584 | 1657998.83801 | 0.023538267805646725 Avoirs dans les banques locales | 11019 | 0.00010550875016628611 | 11223.04 | 9.828155619773608e-05 | 0 | 0 | 0 | 0 | 5592 | 5.3104717646857886e-05 | 7870.54654 | 9.083801005358203e-05 | 8906.01676 | 0.00012107004917756739 | 2645.03938 | 3.755107896073584e-05 Autres liquidités | 251409.79791 | 0.0024072904580309164 | 114321.06595000002 | 0.001001123783551517 | 0 | 0 | 0 | 0 | 371122.39983999997 | 0.00352438309297702 | 72354.36994 | 0.000835078853879735 | 122635.62688 | 0.001667131533366147 | 114385.1936 | 0.0016239030198532073 46754068.942099996 | 0.44767795437601826 | 50580290.85631 | 0.44293789368052394 | 0 | 0 | 0 | 0 | 48235951.20447999 | 0.45807520907394933 | 35543198.05573 | 0.41022225914222965 | 29407861.832810003 | 0.39977594633511715 | 27716593.26744 | 0.393486762495097 Bons B.R.H. | 400000 | 0.0038300662552422583 | 2400000 | 0.021017098297303277 | 0 | 0 | 0 | 0 | 0 | 0 | 1294000 | 0.014934716974475211 | 1600000 | 0.0217506977478569 | 450000 | 0.006388557259336958 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 18566119.05058 | 0.17777366516609222 | 21040166.725150004 | 0.18425135510588633 | 0 | 0 | 0 | 0 | 19037189.698299997 | 0.18078765803252736 | 16069323.339030001 | 0.18546429369377285 | 14727490.9608 | 0.20020825279540963 | 16171370.873690002 | 0.22958161953009443 Portefeuille net | 31085149.57939 | 0.2976454561079493 | 31712103.112940002 | 0.2777068284745322 | 0 | 0 | 0 | 0 | 32111842.915229995 | 0.3049517795303188 | 28261873.66338 | 0.3261847637797181 | 22532288.675090004 | 0.30630812533708857 | 21239380.97674 | 0.3015311144950569 Immobilisations | 2946847.726970001 | 0.028216555096012882 | 3082839.2359100003 | 0.026996806356626584 | 0 | 0 | 0 | 0 | 2927240.25415 | 0.02779868869476972 | 2999691.31537 | 0.03462097434763695 | 2734082.12295 | 0.03716762117131524 | 2605701.3763200003 | 0.03699260542967431 Autres actifs | 4684650.343819998 | 0.044856302998685045 | 5377338.09899 | 0.04709001808512782 | 0 | 0 | 0 | 0 | 2989154.935 | 0.028621653620585916 | 2475671.40319 | 0.028572992062167357 | 2559134.94024 | 0.02450414094306159 | 2255392.3790499996 | 0.03201934079074028 104436835.64286 | 1 | 114192738.02929999 | 1 | 0 | 0 | 0 | 0 | 105301379.00716 | 1.0082781459144976 | 86643757.77669999 | 1 | 73560858.53189 | 0.7043574049241037 | 70438438.87324001 | 1 0 | 0 PASSIF | 0 | 0 Dépôts | 0 | 0 À vue | 34718381.79021001 | 0.33243425632825163 | 40764134.36102999 | 0.3569765911959356 | 0 | 0 | 0 | 0 | 36008544.29994681 | 0.3419570060663536 | 29574742.714907434 | 0.3413372581453363 | 25795097.767905317 | 0.3506633593288292 | 21569671.20947007 | 0.306220176859492 Épargne | 29068346.352240004 | 0.27833423114852207 | 30253888.943820003 | 0.26493706575331744 | 0 | 0 | 0 | 0 | 28544183.309672147 | 0.27107131529332845 | 23372999.71947191 | 0.26975976480278324 | 21332660.66162958 | 0.29000015888043873 | 21041967.37972573 | 0.29872847434328503 À terme | 20673742.332571365 | 0.1979545071938874 | 21904864.55863928 | 0.19182362150751522 | 0 | 0 | 0 | 0 | 21724314.25017037 | 0.20630607552341 | 17746916.266448893 | 0.20482625317552128 | 12967975.925651891 | 0.17628907797521193 | 15601913.954013113 | 0.22149715700102454 84460470.47502138 | 0.8087229946706611 | 92922887.86348927 | 0.8137372784567682 | 0 | 0 | 0 | 0 | 86277041.85978933 | 0.8193343968830921 | 70694658.70082822 | 0.8159232761236407 | 60095734.35518679 | 0.8169525961844799 | 58213552.54320891 | 0.8264458082038015 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 | 4299499.38372 | 0.04116841876005215 | 5371063.6517199995 | 0.04703507197052997 | 0 | 0 | 0 | 0 | 4715026.590960002 | 0.04477649424362621 | 2602889.5680500004 | 0.03004128208241174 | 2182179.24627 | 0.0296649507607906 | 1401479.525 | 0.019896515985001913 4299499.38372 | 0.04116841876005215 | 5371063.6517199995 | 0.04703507197052997 | 0 | 0 | 0 | 0 | 4715026.590960002 | 0.04477649424362621 | 2602889.5680500004 | 0.03004128208241174 | 2182179.24627 | 0.0296649507607906 | 1401479.525 | 0.019896515985001913 Obligations à terme | 0 Banques locales | 4989281.53767 | 0.04777319713833269 | 5036485.515559999 | 0.04410512964727862 | 0 | 0 | 0 | 0 | 4003233.8392 | 0.038016917508058454 | 1927526.08497 | 0.02224656610505812 | 1589533.9123699998 | 0.0216084198049552 | 712829.73018 | 0.010119896772028096 Banque à l'étranger | 592.90439 | 5.677157741809989e-06 | 196738.28617 | 0.0017228616246991134 | 0 | 0 | 0 | 0 | 659.73434 | 6.26520133183765e-06 | 2195530.95112 | 0.02533974757625778 | 1583074.39348 | 0.021520607903097105 | 1682965.0831100002 | 0.02389270844202893 Autres | 908379.81311 | 0.0086978871728397 | 682443.7352400001 | 0.0059762446107991226 | 0 | 0 | 0 | 0 | 742923.17369 | 0.0070552083998775056 | 725977.00568 | 0.00837887257326722 | 792000.23048 | 0.010766598518377177 | 1070448.7120100001 | 0.015196939755243073 5898254.255170001 | 0.0564767614689142 | 5915667.53697 | 0.051804235882776856 | 0 | 0 | 0 | 0 | 4746816.74723 | 0.0450783911092678 | 4849034.04177 | 0.055965186254583126 | 3964608.53633 | 0.05389562622642948 | 3466243.5253 | 0.04920954496930009 0 Autres passifs | 1911822.68108 | 0.018306018842028225 | 3129063.52558 | 0.027401598206508837 | 0 | 0 | 0 | 0 | 2041627.0657100002 | 0.019388417178954315 | 1614100.30309 | 0.018629158574237872 | 1439455.07081 | 0.019568220104255164 | 2087807.1198 | 0.029640167402874833 96570046.79499137 | 0.9246741937416557 | 107338682.57775928 | 0.939978184516584 | 0 | 0 | 0 | 0 | 97780512.26368931 | 0.9285776994149403 | 79760682.61373822 | 0.9205589030348734 | 67681977.2085968 | 0.9200813932759553 | 65169082.713308915 | 0.9251920365609785 AVOIR DES ACTIONNAIRES | 0 Capital versé | 1500000 | 0.014362748457158469 | 3000000 | 0.026271372871629096 | 0 | 0 | 0 | 0 | 1500000 | 0.014244827694972609 | 1500000 | 0.01731226851755241 | 1345720 | 0.018293968108278744 | 1330595 | 0.018890182992194353 Réserves | 2630258.98559 | 0.025185165458139983 | 1001660.3455399999 | 0.00877166414280206 | 0 | 0 | 0 | 0 | 2480397.4225700004 | 0.023555222599709214 | 2453566.88816 | 0.028317872529067603 | 2005982.4064800001 | 0.02726969813179069 | 1563251.29725 | 0.02219315649603201 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 376690.93492 | 0.0036068780962318745 | -8e-05 | -7.005699432434426e-13 | 0 | 0 | 0 | 0 | 376690.93492 | 0.003577264974795694 | 371816.94492 | 0.004291329859887356 | 210816.3445 | 0.0028658766184547343 | 125897.67262 | 0.001787343311889175 BNR | 3359838.927359999 | 0.032171014246827195 | 2852395.1060999963 | 0.024978778469854346 | 0 | 0 | 0 | 0 | 3163778.386000003 | 0.030044985315765726 | 2557691.3298499957 | 0.029519626058252556 | 2316362.572209997 | 0.0314890638641175 | 2249612.190060001 | 0.03193728063889051 7866788.84787 | 0.07532580625835752 | 6854055.451559996 | 0.060021815483584935 | 0 | 0 | 0 | 0 | 7520866.743490003 | 0.07142230058524324 | 6883075.162929996 | 0.07944109696475993 | 5878881.323189998 | 0.07991860672264169 | 5269356.15993 | 0.07480796343900603 104436835.64286137 | 1.000000000000013 | 114192738.02931927 | 1.0000000000001688 | 0 | 0 | 0 | 0 | 105301379.00717932 | 1.0000000000001836 | 86643757.77666822 | 0.9999999999996333 | 73560858.5317868 | 0.999999999998597 | 70438438.87323892 | 0.9999999999999846 [sogebkgdes&$ ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 634090.1542999999 | 2743419.77523 | 3377509.92953 | 0.18773894600755098 | 1946844.3261199999 | 2187024.19377 | 4133868.5198899996 | 0.470949745196977 Avoirs à la BRH | 28548326.62883 | 13122975.86001 | 41671302.48884 | 0.6850836168721997 | 27422144.60682 | 11544052.978629999 | 38966197.58544999 | 0.7037418661824845 Avoirs à l'étranger | 5405934.331990001 | 0 | 5405934.331990001 | 1 | 4759170.6993 | 0 | 4759170.6993 | 1 Avoirs dans les banques locales | 0 | 11223.04 | 11223.04 | 0 | 0 | 5592 | 5592 | 0 Autres liquidités | 111133.17179000001 | 3187.8941600000003 | 114321.06595 | 0.9721145518237709 | 255178.49146 | 115943.90838 | 371122.39983999997 | 0.6875857980278575 34699484.28691 | 15880806.5694 | 50580290.856309995 | 0.6860277728628594 | 34383338.1237 | 13852613.080779998 | 48235951.20448 | 0.7128155922113667 Bons B.R.H. | 0 | 2400000 | 2400000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 16867354.551840004 | 4172812.1733100004 | 21040166.725150004 | 0.8016739967976537 | 16136948.831619998 | 2900240.8666800004 | 19037189.6983 | 0.847653938809099 Portefeuille net | 16833006.36588 | 14879096.74706 | 31712103.112940002 | 0.5308070015391492 | 16445679.895309998 | 15666163.019919999 | 32111842.91523 | 0.5121375294069511 Immobilisations | 0 | 3082839.2359100003 | 3082839.2359100003 | 0 | 0 | 2927240.25415 | 2927240.25415 | 0 Autres actifs | 2839195.6095199995 | 2538142.48947 | 5377338.098989999 | 0.527992764682822 | 660583.5768 | 2328571.3582 | 2989154.935 | 0.2209934216073012 | 13252658.14675 71239040.81415 | 42953697.21514999 | 114192738.0293 | 0.6238491347485794 | 67626550.42743 | 37674828.57973 | 105301379.00716001 | 0.6422190389627443 | 13252658.14675 13252658.14675 PASSIF | 13252658.14675 Dépôts | 13252658.14675 À vue | 28188277.443309993 | 12575856.91772 | 40764134.36102999 | 0.6914970202398714 | 26893284.605536807 | 9115259.69441 | 36008544.29994681 | 0.7468584228653902 Épargne | 20364056.64508 | 9889832.298740003 | 30253888.943820003 | 0.6731054206913716 | 19227237.74902215 | 9316945.560649997 | 28544183.309672147 | 0.6735956513601505 À terme | 17165961.501929283 | 4738903.056709998 | 21904864.55863928 | 0.7836597873488803 | 17445006.90145037 | 4279307.348719999 | 21724314.25017037 | 0.803017609695715 65718295.590319276 | 27204592.27317 | 92922887.86348927 | 0.7072347523988322 | 63565529.256009325 | 22711512.603779994 | 86277041.85978931 | 0.7367606478593812 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 | 3143693.12328 | 2227370.52844 | 5371063.65172 | 0.5853017813842665 | 2669388.3897400005 | 2045638.2012200002 | 4715026.590960001 | 0.5661449279751571 3143693.12328 | 2227370.52844 | 5371063.65172 | 0.5853017813842665 | 2669388.3897400005 | 2045638.2012200002 | 4715026.590960001 | 0.5661449279751571 Obligations à terme Banques locales | 0 | 5036485.515559999 | 5036485.515559999 | 0 | 0 | 4003233.8392 | 4003233.8392 | 0 Banque à l'étranger | 196738.28617 | 0 | 196738.28617 | 1 | 659.73434 | 0 | 659.73434 | 1 Autres | 397724.15385 | 284719.58139 | 682443.7352400001 | 0.5827940580480666 | 512079.71008999995 | 230843.4636 | 742923.17369 | 0.6892768030731476 594462.44002 | 5321205.096949999 | 5915667.536969999 | 0.10048949443235332 | 512739.44443 | 4234077.3028 | 4746816.74723 | 0.10801753506267302 Autres passifs | 1803528.74567 | 1325534.77991 | 3129063.52558 | 0.5763797158243056 | 815986.70291 | 1225640.3628 | 2041627.06571 | 0.39967470877264794 71259979.89928928 | 36078702.67847 | 107338682.57775928 | 0.6638797699763687 | 67563643.79308933 | 30216868.47059999 | 97780512.26368932 | 0.6909724875534223 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 1500000 | 1500000 | 0 Réserves | 0 | 1001660.3455399999 | 1001660.3455399999 | 0 | 0 | 2480397.4225700004 | 2480397.4225700004 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | -8e-05 | -8e-05 | 0 | 0 | 376690.93492 | 376690.93492 | 0 BNR | 0 | 2852395.1060999963 | 2852395.1060999963 | 0 | 0 | 3163778.386000003 | 3163778.386000003 | 0 0 | 6854055.451559996 | 6854055.451559996 | 0 | 0 | 7520866.743490003 | 7520866.743490003 | 0 71259979.89928928 | 42932758.13003 | 114192738.02931929 | 0.624032500919569 | 67563643.79308933 | 37737735.21408999 | 105301379.00717932 | 0.6416216428512577 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [SOGEBKRÉSULT] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 1032595.26664 | -0.15432414986612242 | 873240.87996 | 0 | 0 | 0 | 0 | 828947.29519 | -0.0242060642412744 | 808881.7437100002 | 0.16325603046042303 | 940936.5663000001 | 0.30351181461997334 | 1226521.93098 Intérêts sur bons B.R.H. | 4229.53846 | 5.023329517140743 | 25475.90385 | 0 | 0 | 0 | 0 | 29392.38823 | -0.9002121652364959 | 2933.002780000001 | 0.7059308753877125 | 5003.499999999996 | -0.34086139702208407 | 3298 Autres | 90793.57023 | 0 | 133594.45252000002 | 0 | 0 | 0 | 0 | 0 | 95290.8431 | 0 | 104408.34762 | 0.02697998315472247 | 107225.28308000001 | 0.08579936863525015 | 116425.14466999998 1127618.37533 | -0.08452073953841699 | 1032311.2363300001 | 0 | 0 | 0 | 0 | 953630.5265200001 | -0.03922633700339642 | 916223.0941100002 | 0.14946387637502487 | 1053165.34938 | 0.2782846268561119 | 1346245.07565 Dépenses d'intérêt | 286285.78836000006 | -0.10720675432692318 | 255594.01818 | 0 | 0 | 0 | 0 | 189771.68027 | 0.04423668794024529 | 198166.55087 | 0.09449758956689243 | 216892.81225999998 | 0.6180850770162819 | 350951.02283000003 841332.5869699998 | -0.07680121966118945 | 776717.2181500001 | 0 | 0 | 0 | 0 | 763858.8462500001 | -0.05996173669370516 | 718056.5432400001 | 0.16463326599126588 | 836272.53712 | 0.19015513321488084 | 995294.05282 AUTRES REVENUS Commissions | 332469.35121 | 0.06886231286185224 | 355363.95969000005 | 0 | 0 | 0 | 0 | 307219.07948 | 0.01382479915371445 | 311466.32155000005 | 0.33627456852726295 | 416204.52444000007 | -0.05846697902369402 | 391870.30324000004 Gains sur change | 153002.21677 | -0.12162252477670424 | 134393.70087 | 0 | 0 | 0 | 0 | 135332.84040000002 | 0.18085741389641277 | 159808.78793 | -0.24873155572277567 | 120059.29948999996 | -0.0068651038570203 | 119235.07993 Autres | 109267.26684119999 | 0.6184290135460015 | 176841.31488667103 | 0 | 0 | 0 | 0 | 114177.7948664 | 0.4559598447711856 | 166238.28449000002 | -0.09300364545147884 | 150777.51801883 | -0.18083008500264375 | 123512.40661899731 594738.8348212 | 0.12082638028349835 | 666598.975446671 | 0 | 0 | 0 | 0 | 556729.7147464 | 0.14510394736231824 | 637513.3939700001 | 0.07768926652725454 | 687041.34194883 | -0.07630334444086061 | 634617.7897889974 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 1436071.4217911998 | 0 | 1443316.193596671 | 0 | 0 | 0 | 0 | 1320588.5609964002 | 0 | 1355569.9372100001 | 0.12374421802542795 | 1523313.87906883 | 0 | 1629911.8426089974 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 222617.40250000003 | 0 | 139188.53673 | 0 | 0 | 0 | 0 | 118748.43185 | 0 | 126024.95297 | 0.3349718986211339 | 168239.77074 | 0 | 140826.91974999997 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1213454.0192911997 | 0.07472358748989551 | 1304127.656866671 | 0 | 0 | 0 | 0 | 1201840.1291464001 | 0.023052030317274565 | 1229544.9842400001 | 0.10209396622151344 | 1355074.10832883 | 0.09889556128811197 | 1489084.9228589975 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 486267.11404 | 0.006767487323292942 | 489557.92056999996 | 0 | 0 | 0 | 0 | 392269.96568 | 0.12153939116229107 | 439946.21848000004 | 0.2288487723064196 | 540627.3704599999 | -0.023236654480351313 | 528064.99905 Frais de locaux | 46671.4291 | 0.018401788986572895 | 47530.26689 | 0 | 0 | 0 | 0 | 39543.819939999994 | 0.07226439211831027 | 42401.43005000001 | 0.05777331795440203 | 44851.10135 | 0.08019144372694435 | 48447.77592 Amortissement | 72002.04496999999 | -0.013599325135945386 | 71022.86575 | 0 | 0 | 0 | 0 | 67133.10882 | -0.016428632747474043 | 66030.20363 | 0.030580981262983163 | 68049.47205 | 0.027024302534614637 | 69888.46157 Autres dépenses d'exploitation | 377552.88982000004 | 0.09530969493348522 | 413537.34057 | 0 | 0 | 0 | 0 | 371237.04628999997 | 0.05492501773131697 | 391627.24763999996 | 0.06008563217141321 | 415158.41838999995 | 0.1377325976232148 | 472339.2657800001 982493.4779299999 | 0.0398525962050098 | 1021648.3937799999 | 0 | 0 | 0 | 0 | 870183.94073 | 0.08023724157840324 | 940005.0998 | 0.13689421735837248 | 1068686.3622499998 | 0.0468370719774294 | 1118740.5023200002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 230960.5413611998 | 0.22306287221980942 | 282479.2630866711 | 0 | 0 | 0 | 0 | 331656.1884164001 | -0.1269878429752747 | 289539.88444000017 | -0.01088671554617256 | 286387.7460788302 | 0.2931573561009046 | 370344.4205389973 Impôts sur le revenu | 34900 | 0.17048710601719197 | 40850 | 0 | 0 | 0 | 0 | 82000 | -0.2682926829268293 | 60000 | 0.08833333333333333 | 65300 | -1.0689127105666156 | -4500 BÉNÉFICE NET (PERTE NETTE) | 196060.5413611998 | 0.2324216867356326 | 241629.26308667113 | 0 | 0 | 0 | 0 | 249656.1884164001 | -0.08057602779246183 | 229539.88444000017 | -0.036822090338636884 | 221087.7460788302 | 0.6954554342661043 | 374844.4205389973 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 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 | 1032595.26664 | 0.2456705904364193 | 828947.29519 | 873240.87996 | 0.07956556907170582 | 808881.7437100002 | 0 | 0 | 940936.5663000001 | 0 | 0 | 1226521.93098 | 1905836.1466 | 0.16363558181872218 | 1637829.0389 | 3805287.53618 Intérêts sur Bons B.R.H. | 4229.53846 | -0.8561008916014853 | 29392.38823 | 25475.90385 | 7.685946029004441 | 2933.002780000001 | 0 | 0 | 5003.499999999996 | 0 | 0 | 3298 | 29705.44231 | -0.0810492500829924 | 32325.391010000003 | 40626.89101 Autres | 90793.57023 | -0.047195225938765996 | 95290.8431 | 133594.45252000002 | 0.2795380404469619 | 104408.34762 | 0 | 0 | 107225.28308000001 | 0 | 0 | 116425.14466999998 | 224388.02275 | 0.12363010556520691 | 199699.19072 | 423349.61847 1127618.37533 | 0.18244786001651858 | 953630.5265200001 | 1032311.2363300001 | 0.1267029209002481 | 916223.0941100002 | 0 | 0 | 1053165.34938 | 0 | 0 | 1346245.07565 | 2159929.61166 | 0.15513299427805805 | 1869853.62063 | 4269264.045659999 Dépenses d'intérêt | 286285.78836000006 | 0.5085801419510193 | 189771.68027 | 255594.01818 | 0.2897939488671487 | 198166.55087 | 0 | 0 | 216892.81225999998 | 0 | 0 | 350951.02283000003 | 541879.80654 | 0.39681981058588983 | 387938.23114000005 | 955782.0662300001 841332.5869699998 | 0.10142415853444699 | 763858.8462500001 | 776717.2181500001 | 0.08169367087069834 | 718056.5432400001 | 0 | 0 | 836272.53712 | 0 | 0 | 995294.05282 | 1618049.80512 | 0.09186382474700563 | 1481915.38949 | 3313481.9794299994 AUTRES REVENUS Commissions | 332469.35121 | 0.08218979033704114 | 307219.07948 | 355363.95969000005 | 0.1409386347825508 | 311466.32155000005 | 0 | 0 | 416204.52444000007 | 0 | 0 | 391870.30324000004 | 687833.3109 | 0.11176586639167681 | 618685.4010300001 | 1426760.2287100002 Gains sur change | 153002.21677 | 0.13056236991535117 | 135332.84040000002 | 134393.70087 | -0.15903435217300063 | 159808.78793 | 0 | 0 | 120059.29948999996 | 0 | 0 | 119235.07993 | 287395.91764 | -0.026244046744024342 | 295141.62833 | 534436.0077499999 Autres | 109267.26684119999 | -0.04300773220349755 | 114177.7948664 | 176841.31488667103 | 0.06378212112330132 | 166238.28449000002 | 0 | 0 | 150777.51801883 | 0 | 0 | 123512.40661899731 | 286108.58172787103 | 0.020300199562508094 | 280416.0793564 | 554706.0039942273 594738.8348212 | 0.06827212391943871 | 556729.7147464 | 666598.975446671 | 0.045623482975856694 | 637513.3939700001 | 0 | 0 | 687041.34194883 | 0 | 0 | 634617.7897889974 | 1261337.810267871 | 0.056181778284310833 | 1194243.1087164 | 2515902.240454227 PRODUIT NET BANCAIRE | 1436071.4217911998 | 0.08744802446847366 | 1320588.5609964002 | 1443316.193596671 | 0.06473015812615918 | 1355569.9372100001 | 0 | 0 | 1523313.87906883 | 0 | 0 | 1629911.8426089974 | 2879387.615387871 | 0.07594061312798837 | 2676158.4982064003 | 5829384.219884226 Dotation à la provision pour créances douteuses | 222617.40250000003 | 0.8746976194279743 | 118748.43185 | 139188.53673 | 0.1044522013282049 | 126024.95297 | 0 | 0 | 168239.77074 | 0 | 0 | 140826.91974999997 | 361805.93923 | 0.47812614306928325 | 244773.38481999998 | 553840.07531 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1213454.0192911997 | 0.00966342349797248 | 1201840.1291464001 | 1304127.656866671 | 0.06065875879504446 | 1229544.9842400001 | 0 | 0 | 1355074.10832883 | 0 | 0 | 1489084.9228589975 | 2517581.676157871 | 0.035451628907695695 | 2431385.1133864005 | 5275544.144574226 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 486267.11404 | 0.23962361787514352 | 392269.96568 | 489557.92056999996 | 0.11276765205848739 | 439946.21848000004 | 0 | 0 | 540627.3704599999 | 0 | 0 | 528064.99905 | 975825.03461 | 0.17256195347240447 | 832216.1841600001 | 1900908.55367 Frais de locaux | 46671.4291 | 0.18024584298671092 | 39543.819939999994 | 47530.26689 | 0.12095905336098417 | 42401.43005000001 | 0 | 0 | 44851.10135 | 0 | 0 | 48447.77592 | 94201.69599000001 | 0.14956871815627729 | 81945.24999000001 | 175244.12726 Amortissement | 72002.04496999999 | 0.0725266002957614 | 67133.10882 | 71022.86575 | 0.07561179347524592 | 66030.20363 | 0 | 0 | 68049.47205 | 0 | 0 | 69888.46157 | 143024.91071999999 | 0.07405642056030116 | 133163.31245 | 271101.24607 Autres dépenses d'exploitation | 377552.88982000004 | 0.017012966763738098 | 371237.04628999997 | 413537.34057 | 0.05594629347685407 | 391627.24763999996 | 0 | 0 | 415158.41838999995 | 0 | 0 | 472339.2657800001 | 791090.23039 | 0.03699994439979663 | 762864.2939299999 | 1650361.9781 982493.4779299999 | 0.12906413453893792 | 870183.94073 | 1021648.3937799999 | 0.08685409685263493 | 940005.0998 | 0 | 0 | 1068686.3622499998 | 0 | 0 | 1118740.5023200002 | 2004141.87171 | 0.10714506984486732 | 1810189.0405299999 | 3997615.9051 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 230960.5413611998 | -0.30361455800358883 | 331656.1884164001 | 282479.2630866711 | -0.024385660604185875 | 289539.88444000017 | 0 | 0 | 286387.7460788302 | 0 | 0 | 370344.4205389973 | 513439.8044478707 | -0.17346579142563173 | 621196.0728564006 | 1277928.2394742258 Impôts sur le revenu | 34900 | -0.574390243902439 | 82000 | 40850 | -0.31916666666666665 | 60000 | 0 | 0 | 65300 | 0 | 0 | -4500 | 75750 | -0.4665492957746479 | 142000 | 202800 BÉNÉFICE NET (PERTE NETTE) | 196060.5413611998 | -0.21467782311011027 | 249656.1884164001 | 241629.26308667113 | 0.05266787807341177 | 229539.88444000017 | 0 | 0 | 221087.7460788302 | 0 | 0 | 374844.4205389973 | 437689.8044478707 | -0.08661646194452015 | 479196.0728564006 | 1075128.2394742258 0.7258874685884853 | 0.7079645385431568 | #DIV/0! | 0.7698547043333507 Com /sal [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1905836.1466 | 0.16363558181872218 | 1637829.0389 | 3805287.53618 | 0.32617667440682857 | 2869366.96265 | 2451081.41118 | 2448377.8943499997 Intérêts sur Bons B.R.H. | 29705.44231 | -0.0810492500829924 | 32325.391010000003 | 40626.89101 | -0.5715272199614806 | 94817.90419999999 | 0.8977565115479093 | 49963.15577 | -0.18458462790966304 | 61273.25714 Autres | 224388.02275 | 0.12363010556520691 | 199699.19072 | 423349.61847 | 0.15846736714909224 | 365439.39905 | -0.1651526210861345 | 437731.98344999994 | 0.06512896039983108 | 410966.18318 2159929.61166 | 0.15513299427805805 | 1869853.62063 | 4269264.045659999 | 0.2822059501978113 | 3329624.2659 | 0.1329967450049243 | 2938776.5504 | 0.006217594997617891 | 2920617.33467 Dépenses d'intérêt | 541879.80654 | 0.39681981058588983 | 387938.23114000005 | 955782.0662300001 | 0.2784323417880711 | 747620.3745700001 | -0.019545323496008293 | 762524.1558699999 | -0.0018528188152264788 | 763939.59753 1618049.80512 | 0.09186382474700563 | 1481915.38949 | 3313481.9794299994 | 0.2832986001904173 | 2582003.89133 | 0.18644505472796 | 2176252.39453 | 0.009076301504349241 | 2156677.73714 AUTRES REVENUS Commissions | 687833.3109 | 0.11176586639167681 | 618685.4010300001 | 1426760.2287100002 | 0.08751678362766846 | 1311943.18119 | 0.04575691550724675 | 1254539.33102 | 0.05552725459211093 | 1188542.81172 Gains sur change | 287395.91764 | -0.026244046744024342 | 295141.62833 | 534436.0077499999 | 0.04932355245255623 | 509314.7928500001 | 0.18106320575423043 | 431234.15442000004 | 0.21610278368204527 | 354603.37745 Autres | 286108.58172787103 | 0.020300199562508094 | 280416.0793564 | 554706.0039942273 | 529619.9790973635 | 0.33663324745931683 | 396234.32987625396 | 520434.506553752 1261337.810267871 | 0.056181778284310833 | 1194243.1087164 | 2515902.240454227 | 2350877.9531373633 | 0.1291398311971603 | 2082007.8153162538 | 2063580.695723752 PRODUIT NET BANCAIRE | 2879387.615387871 | 0.07594061312798837 | 2676158.4982064003 | 5829384.219884226 | 4932881.844467363 | 0.15842658770856707 | 4258260.209846254 | 4220258.432863751 Dotation à la provision pour créances douteuses | 361805.93923 | 0.47812614306928325 | 244773.38481999998 | 553840.07531 | 0.3198199706419619 | 419633.04665 | 0.45010839265039904 | 289380.46892 | -0.030523005411041724 | 298491.32113 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2517581.676157871 | 0.035451628907695695 | 2431385.1133864005 | 5275544.144574226 | 0.16890168942725106 | 4513248.797817363 | 0.13715937302853737 | 3968879.7409262545 | 0.012013112418517737 | 3921767.1117337514 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 975825.03461 | 0.17256195347240447 | 832216.1841600001 | 1900908.55367 | 0.24105099774000616 | 1531692.5389300003 | 0.3225049604488212 | 1158175.26946 | 0.05559616422266742 | 1097176.46645 Frais de locaux | 94201.69599000001 | 0.14956871815627729 | 81945.24999000001 | 175244.12726 | 0.2170269490192777 | 143993.62923000002 | -0.015811706946841357 | 146306.99251999997 | 0.21430326544108677 | 120486.36999 Amortissement | 143024.91071999999 | 0.07405642056030116 | 133163.31245 | 271101.24607 | 0.05368006471883872 | 257289.9072 | 0.11483507777369231 | 230787.41629999998 | 0.07618401674515772 | 214449.77133000002 Autres dépenses d'exploitation | 791090.23039 | 0.03699994439979663 | 762864.2939299999 | 1650361.9781 | 0.1361331782758342 | 1452613.1352 | -0.026713941138198975 | 1492483.2447499996 | 0.2465602589965761 | 1197281.26577 2004141.87171 | 0.10714506984486732 | 1810189.0405299999 | 3997615.9051 | 0.18077405629455146 | 3385589.2105600005 | 0.11818543210979696 | 3027752.9230299992 | 0.15150223536258617 | 2629393.87354 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 513439.8044478707 | -0.17346579142563173 | 621196.0728564006 | 1277928.2394742258 | 0.13325710517155162 | 1127659.587257363 | 0.19820152376283678 | 941126.8178962553 | -0.271784040335287 | 1292373.2381937513 Impôts sur le revenu | 75750 | -0.4665492957746479 | 142000 | 202800 | -0.060240963855421686 | 215800 | 0.13578947368421052 | 190000 | -0.3453919035314384 | 290250 BÉNÉFICE NET (PERTE NETTE) | 437689.8044478707 | -0.08661646194452015 | 479196.0728564006 | 1075128.2394742258 | 0.17905021178527347 | 911859.5872573629 | 0.21398885718297947 | 751126.8178962553 | -0.2504646242411237 | 1002123.2381937513 [sgbelinfin] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) INDICATEURS FINANCIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 8039342.5793699995 | 0.12230245079157351 | 9022573.87958 | 0 | 0 | 0 | 0 | 0.07883850980952692 | 8363229.34113 | 0.13138244450413766 | 7392044.46892 | 0.03777762245901787 | 7122956.1217600005 | -0.15570448173680843 | 8436567.490507 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Prêts nets | 4647070.38344 | 0.04569378755628245 | 4859412.630299999 | 0 | 0 | 0 | 0 | 0.037929003661323374 | 4681835.28272 | 0.12771076686685454 | 4151627.7225300004 | 0.03528775860892138 | 4010119.59043 | -0.020929735382602614 | 4095844.532667 Dépôts | 5101020.37039 | 0.11155287425101862 | 5670053.85432 | 0 | 0 | 0 | 0 | 0.07426250715238365 | 5278089.68159 | 0.2082228207146652 | 4368473.75426 | 0.07808050833675599 | 4052084.90505 | -0.3243838281356339 | 5997613.84318 Avoir des Actionnaires | 746517.51645 | -0.05149106131198808 | 708078.53724 | 0 | 0 | 0 | 0 | -0.00079265465738588 | 708640.24423 | 0.027132082479363072 | 689921.24413 | 0.018765819633270116 | 677212.7910399999 | 0.06250938031013041 | 637371.11746 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats | 0 | 0 Revenus nets d'intérêt | 103768.26415000002 | 0.8939923421102437 | 54788.11177999999 | 112951.73534 | 0.3784166628310276 | 81943.10065 | 0 | 0 | 62271.63991 | 0 | 0 | 137528.58287000004 | 216719.99949000005 | 0.5850075168531884 | 136731.21242999996 Autres revenus | 13380.761840000001 | 0.12064923671402869 | 11940.18735 | 17442.26195 | 0.4498042122096344 | 12030.77064 | 0 | 0 | 14958.06117 | 0 | 0 | 14095.92591 | 30823.02379 | 0.2858486424638716 | 23970.957990000003 Dot. à la prov. pr créances douteuses | 7420.0961800000005 | 1.5835647238400918 | -12715.12118 | 7577.840399999999 | 2.1574335 | 2400 | 0 | 0 | 23734.74652 | 0 | 0 | 19857.97419 | 14997.93658 | 2.4539758009900567 | -10315.12118 Dépenses d'exploitation | 63247.77609 | 0.15973099665589272 | 54536.59191 | 72732.56676 | 0.23066577258882479 | 59100.178439999996 | 0 | 0 | 51542.246150000006 | 0 | 0 | 65290.60537999999 | 135980.34285000002 | 0.19662273427150428 | 113636.77035 Bénéfice (perte) net | 33931.24222000003 | 0.8662012274168286 | 18181.984729999996 | 36561.020789999995 | 0.5422819435931205 | 23705.79578 | 0 | 0 | 1425.4771399999918 | 0 | 0 | 62557.07145000003 | 70492.26301000002 | 0.6828836990580416 | 41887.78050999993 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.0928580302530783 | 0.09979041814706902 | 0.07847855242754309 | 0.08543823196384444 | 0 | 0.08014345220034184 | 0 | 0.08473284843988887 | 0.07847855242754309 | 0.08543823196384444 | 0.08473284843988887 | 0.0933329401670658 | 0.09507468240204019 | 0.07554863019553665 Dépôts en % de l'actif | 0.634507152796285 | 0.5954570050520034 | 0.6284297507557721 | 0.5958115538256509 | 0 | 0.6215532737722155 | 0 | 0.6311066534589197 | 0.6284297507557721 | 0.5958115538256509 | 0.6311066534589197 | 0.5909696258764859 | 0.5688768589590548 | 0.7109068765144876 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.14142684633938823 | 0.0870793407188987 | 0.1342088915881554 | 0.13607250261440382 | 0 | 0.1866063889654444 | 0 | 0.13875000598534182 | 0.1342088915881554 | 0.13607250261440382 | 0.13875000598534182 | 0.1801192087514468 | 0.10499642810984694 | 0.1040880136032887 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.27011703919503677 | 0.3042875721066296 | 0.2917588277083616 | 0.20358583749420026 | 0 | 0.17757838990980754 | 0 | 0.2578694467653901 | 0.2917588277083616 | 0.20358583749420026 | 0.2578694467653901 | 0.16677009117066643 | 0.2747808000280483 | 0.19974725426153223 Prêts improductifs nets en % de l'avoir des actionnaires | 0.6680983058800134 | 0.3701971566637248 | 0.6789100051581731 | 0.7587947516266242 | 0 | 1.1234480331325625 | 0 | 0.7055490775340778 | 0.6789100051581731 | 0.7587947516266242 | 0.7055490775340778 | 0.9310848678678446 | 0.4642908493017942 | 0.5466429004007477 Rentabilité ROA (rendement de l'actif) | 0.01654923014973896 | 0.009762658058517615 | 0.017142749879458727 | 0.01244715147614746 | 0 | 0.0007133478599065058 | 0 | 0.03011061735800396 | 0.016218350596774157 | 0.011080685958427964 | 0.013439351213619317 | 0.019216713801520603 | 0.015234727755911894 | 0.016960648235968614 ROE (rendement avoir des action.) | 0.1865433048531802 | 0.10107670641365238 | 0.20107861944078553 | 0.13454945739224075 | 0 | 0.008625381973971434 | 0 | 0.36518626435745544 | 0.19902965622254723 | 0.12408711777187649 | 0.15139889090489278 | 0.2040257977670168 | 0.20545414462138167 | 0.22638851768650495 Revenus nets d'intérêt en % des revenus d'intérêt | 0.6970810691737223 | 0.5050447122588464 | 0.7212921416479149 | 0.6008746961431273 | 0 | 0.4751031758026804 | 0 | 0.6649418283571837 | 0.7094931603408572 | 0.5584176849021352 | 0.5774860997329101 | 0.5866113731458331 | 0.5660093949999826 | 0.5260544202341622 Rendement moyen des prêts | 0.11928635018216183 | 0.09267027200390361 | 0.12341757816979888 | 0.113467457669822 | 0 | 0.10558516433657272 | 0 | 0.16601373504681544 | 0.11984454050642646 | 0.10472585694693781 | 0.12245710959012242 | 0.10708452236488684 | 0.1023524341294289 | 0.11429602531156825 Rendement moyen des prêts productifs | 0.13871878857439993 | 0.10676748265294683 | 0.1431319197488968 | 0.12773525471302927 | 0 | 0.12598586761196412 | 0 | 0.1982610324161049 | 0.1387785422821374 | 0.12426626091368263 | 0.1454587835706145 | 0.12498660766845193 | 0.11562396078370724 | 0.1251884086558649 Rémunération moyenne des dépôts | 0.03475662103141318 | 0.04859881503168597 | 0.03241618404216323 | 0.04798125578668689 | 0 | 0.05652274262898843 | 0 | 0.05325354165490393 | 0.032421018083637766 | 0.04819692575014714 | 0.0510484400102438 | 0.04942189001437359 | 0.038323639917577305 | 0.04825146953623522 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.5398916086199377 | 0.8172933016582945 | 0.5577907593264487 | 0.6289001147735945 | 0 | 0.6673889116391749 | 0 | 0.43060720133796815 | 0.5493200375766211 | 0.7071265437984247 | 0.5916207089570608 | 0.5277503330403409 | 0.47447374387287766 | 0.5139899591332413 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6375.457196734696 | 3606.935088108108 | 7144.876563835616 | 5079.668718378378 | 0 | 4174.578436756757 | 0 | 8140.91322308725 | 6645.450289395974 | 4343.301903243242 | 12772.340337049181 | 5038.16690244898 | 5370.043140563378 | 5119.021304857143 [sgbelvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 33701.15597 | -0.14876707002166373 | 28687.53374 | 0 | 0 | 0 | 0 | -0.150694039328856 | 33777.61969 | -0.1810026754001269 | 41242.64961 | 0.04440488835264128 | 39489.13881 | 0.201130378612223 | 32876.646459999996 Avoirs à la BRH | 929740.72968 | 0.24340928193808495 | 1156048.25308 | 0 | 0 | 0 | 0 | 0.16817923698932044 | 989615.4772099999 | -0.23168170019836357 | 1288027.99239 | 0.16820531058525132 | 1102569.8828099999 | 0.0005226305929687544 | 1101993.94706 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5698.4069 | -0.06681569430360276 | 6106.41099 Avoirs dans les banques locales | 45285.498470000006 | 3.320028728172239 | 195634.65436 | 0 | 0 | 0 | 0 | 0.913744926154441 | 102226.08649999999 | -0.9079891725117902 | 1111022.35781 | -0.0906023452347053 | 1221712.3631099998 | 2.4288197441241546 | 356306.96691 Autres liquidités | 16602.60377 | 5.331264751974502 | 105115.48004 | 0 | 0 | 0 | 0 | 17.23090111017312 | 5765.78631 | -0.7439558973683807 | 22518.72334 | -0.7417042275303617 | 87181.92762 | 1.8754913228842294 | 30318.967380000002 1025329.98789 | 0.44878813529773287 | 1485485.9212200001 | 0 | 0 | 0 | 0 | 0.31298007397143013 | 1131384.96971 | -0.5406124800060114 | 2462811.72315 | 0.0025074795306680685 | 2456651.71925 | 0.6081742557917631 | 1527602.9388 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 | 799846.90839 | 0.2290663803887132 | 983064.94456 | 0 | 0 | 0 | 0 | 0.021566553500407187 | 962311.2083999999 | 6.8177444416081885 | 123093.20361999999 | -0.30085585111200425 | 176062.69582 | -0.9255675648337099 | 2365402.87076 Portefeuille net | 4647070.38344 | 0.04569378755628245 | 4859412.630299999 | 0 | 0 | 0 | 0 | 0.037929003661323374 | 4681835.28272 | 0.12771076686685454 | 4151627.7225300004 | 0.03528775860892138 | 4010119.59043 | -0.020929735382602614 | 4095844.532667 Immobilisations | 585703.51107 | 0.07256034026902186 | 628202.35713 | 0 | 0 | 0 | 0 | 0.06858679122910906 | 587881.4545400001 | 0.14268995471509768 | 514471.53456999996 | 0.5410942751642354 | 333835.21233 | 0.15737832666350737 | 288440.87075 Autres actifs | 981391.7885799999 | 0.08662823428858342 | 1066408.02637 | 0 | 0 | 0 | 0 | 0.06660382735698848 | 999816.4257599998 | 0 | 140040.28505 | -0.04270114898999486 | 146286.90393 | 0 | 159276.2775299999 8039342.5793699995 | 0.12230245079157351 | 9022573.87958 | 0 | 0 | 0 | 0 | 0.07883850980952692 | 8363229.34113 | 0 | 7392044.46892 | 0.03777762245901787 | 7122956.1217600005 | 0 | 8436567.490507 0 | 0 | 0 PASSIF | 0 | 0 | 0 Dépôts | 0 | 0 | 0 À vue | 1932650.04872 | 0.11289219047933786 | 2150831.14615 | 0 | 0 | 0 | 0 | 0.042324377977699376 | 2063495.00366 | 0.19217511241185253 | 1730865.69429 | 0.07559112427065555 | 1609222.7383 | 0.10885949286977516 | 1451241.3418 Épargne | 722495.42304 | 0.030743085660724447 | 744707.1617200001 | 0 | 0 | 0 | 0 | -0.03598862125397397 | 772508.68417 | 0.1744895118875346 | 657739.9596599999 | 0.019719217929996473 | 645020.65676 | 0.03042778963479767 | 625973.66186 À terme | 2445874.8986299997 | 0.13436527273086638 | 2774515.54645 | 0 | 0 | 0 | 0 | 0.13612524437690618 | 2442085.99376 | 0.23345893263173823 | 1979868.1003100001 | 0.10124729533083963 | 1797841.50999 | -0.5414136205054786 | 3920398.83952 5101020.37039 | 0.11155287425101862 | 5670053.85432 | 0 | 0 | 0 | 0 | 0.07426250715238365 | 5278089.68159 | 0.2082228207146652 | 4368473.75426 | 0.07808050833675599 | 4052084.90505 | -0.3243838281356339 | 5997613.84318 0 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 | 167487.84716 | 0.0603042696008344 | 177588.07945 | 0 | 0 | 0 | 0 | 0.10443126110756626 | 160795.95508 | -0.14793277069386485 | 188712.75592999998 | 1.839171778250291 | 66467.53725000001 | -0.3657317314324818 | 104794.04464 167487.84716 | 0.0603042696008344 | 177588.07945 | 0 | 0 | 0 | 0 | 0.10443126110756626 | 160795.95508 | -0.14793277069386485 | 188712.75592999998 | 1.839171778250291 | 66467.53725000001 | -0.3657317314324818 | 104794.04464 Obligations à terme Banques locales | 1726579.7366900002 | 0.03657316479403205 | 1789726.22193 | 0 | 0 | 0 | 0 | -0.08018684120153458 | 1945749.74799 | 0.00948284116691555 | 1927471.8386900001 | -0.0730306824780447 | 2079326.46988 | 0.4385375779393715 | 1445444.6667 Banque à l'étranger | 0 | 0 | 195945.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 122730.36672 | 1.031960273360454 | 249383.22950999998 | 0 | 0 | 0 | 0 | 1.4445782787484596 | 102014.82672 | 0.20411510280686063 | 84721.82308999999 | -0.014002638266867477 | 85924.99978 | -0.03238296490512933 | 88800.62738 1849310.1034100002 | 0.20858856895807404 | 2235055.05144 | 0 | 0 | 0 | 0 | 0.09146094186951333 | 2047764.57471 | 0.0176776786477568 | 2012193.6617800002 | -0.07068823645875819 | 2165251.46966 | 0.41128115433352447 | 1534245.29408 Autres passifs | 175006.74182 | 0.3245110143723033 | 231798.35713 | 0 | 0 | 0 | 0 | 0.3802542307964631 | 167938.88543 | 0.26514256126511787 | 132743.0525 | -0.18029190569724485 | 161939.41895000002 | -0.003714538412939017 | 162543.19188 7292825.06278 | 0.14009252529232374 | 8314495.34234 | 0 | 0 | 0 | 0 | 0.08621053817310867 | 7654589.09681 | 0.1421140495988597 | 6702123.224470001 | 0.03977507021270196 | 6445743.33091 | -0.17353750027633016 | 7799196.37378 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0 | 300000 | 0 | 0 | 0 | 0 | 0.2 | 250000 | 0 | 250000 | 0.25 | 200000 | 0 | 200000 Réserves | 261605.28932999997 | 0 | 261605.28932999997 | 0 | 0 | 0 | 0 | -0.14377331058280327 | 305532.74332999997 | 0.3433375091996941 | 227443.0225 | -0.15806277379288797 | 270142.4945 | 0.21097240886258126 | 223078.9839 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 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 | 0 | 0 BNR | 184912.22712 | -0.20787689277602375 | 146473.24791 | 0 | 0 | 0 | 0 | -0.04333068563592502 | 153107.5009 | -0.27942026375477436 | 212478.22163000001 | 0.02611637294369441 | 207070.29653999998 | -0.03370089652860707 | 214292.13356 746517.51645 | -0.05149106131198808 | 708078.53724 | 0 | 0 | 0 | 0 | -0.00079265465738588 | 708640.24423 | 0.027132082479363072 | 689921.24413 | 0.018765819633270116 | 677212.7910399999 | 0.06250938031013041 | 637371.11746 8039342.57923 | 0.12230245081111757 | 9022573.87958 | 0 | 0 | 0 | 0 | 0.07883850982113663 | 8363229.34104 | 0.1313824445409396 | 7392044.468600001 | 0.037777622386411004 | 7122956.12195 | -0.15570448178764312 | 8436567.49124 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 | 661678.79359 | 626489.42224 | 0 | 0 | 573018.68422 | 607470.4712700001 | 491899.44221999997 | 597211.68542 Portefeuille brut | 4831648.04036 | 0.046732934637179376 | 5057445.13242 | 0 | 0 | 0 | 0 | 0.04157719139916176 | 4855564.40193 | 0.13442506424790862 | 4280198.45026 | 0.0365552299043468 | 4129252.66959 | -0.012804288030560003 | 4182810.581047 Provisions pour créances douteuses | 184577.65691999998 | 0.07289530826491983 | 198032.50212 | 0 | 0 | 0 | 0 | 0.1398923969713021 | 173729.11921 | 0.3512338483051379 | 128570.72773 | 0.07921937917280644 | 119133.07916 | 0.3698803312235768 | 86966.04838 Portefeuille de crédit improductif | 683324.74497 | -0.00668882476984011 | 678754.10549 | 0 | 0 | 0 | 0 | 0.007487670854251638 | 673709.5898300001 | -0.12612604982335193 | 770945.95816 | 0.7781891365124947 | 433556.78107 | -0.004188666745067426 | 435380.44466000004 Im/ Av | 0.7845810689818276 | 0.10261198106972869 | 0.8871930500515562 | #DIV/0! | #DIV/0! | 0.8295908386896443 Liq / Ac | 0.1275390341644515 | 0.16464103714151568 | #DIV/0! | #DIV/0! Liq \ De | 0.20100488009060982 | 0.26198797390402423 | #DIV/0! | #DIV/0! [sgbelcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 33701.15597 | 0.004192028842816272 | 28687.53374 | 0.00317952882657198 | 0 | 0 | 0 | 0 | 33777.61969 | 0.0040388249935803065 | 41242.64961 | 0.0055793292076915324 | 39489.13881 | 0.005543925602653114 | 32876.646459999996 | 0.003896922118740054 Avoirs à la BRH | 929740.72968 | 0.11564885069904048 | 1156048.25308 | 0.12812843302911406 | 0 | 0 | 0 | 0 | 989615.4772099999 | 0.11832934825105344 | 1288027.99239 | 0.1742451628646905 | 1102569.8828099999 | 0.15479105359665862 | 1101993.94706 | 0.1306211262222446 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5698.4069 | 0.000800005896792186 | 6106.41099 | 0.000723802778425119 Avoirs dans les banques locales | 45285.498470000006 | 0.0056329852874050295 | 195634.65436 | 0.021682798830028174 | 0 | 0 | 0 | 0 | 102226.08649999999 | 0.012223279110290152 | 1111022.35781 | 0.15029973946738495 | 1221712.3631099998 | 0.17151760339752434 | 356306.96691 | 0.04223364150300747 Autres liquidités | 16602.60377 | 0.002065169335189726 | 105115.48004 | 0.011650276455801446 | 0 | 0 | 0 | 0 | 5765.78631 | 0.0006894210447684501 | 22518.72334 | 0.003046345761944537 | 87181.92762 | 0.012239571061467995 | 30318.967380000002 | 0.003593756277551923 1025329.98789 | 0.1275390341644515 | 1485485.9212200001 | 0.16464103714151568 | 0 | 0 | 0 | 0 | 1131384.96971 | 0.13528087339969236 | 2462811.72315 | 0.3331705773017115 | 2456651.71925 | 0.34489215955509633 | 1527602.9388 | 0.18106924889996914 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 | 799846.90839 | 0.09949158161794366 | 983064.94456 | 0.10895615349682916 | 0 | 0 | 0 | 0 | 962311.2083999999 | 0.11506454853119895 | 123093.20361999999 | 0.016652118928335433 | 176062.69582 | 0.02471764430531083 | 2365402.87076 | 0.28037503089041843 Portefeuille net | 4647070.38344 | 0.578041094475186 | 4859412.630299999 | 0.5385838559103275 | 0 | 0 | 0 | 0 | 4681835.28272 | 0.5598118970258219 | 4151627.7225300004 | 0.5616345707856064 | 4010119.59043 | 0.5629853001872972 | 4095844.532667 | 0.4854870819531438 Immobilisations | 585703.51107 | 0.07285465263950706 | 628202.35713 | 0.06962562629182292 | 0 | 0 | 0 | 0 | 587881.4545400001 | 0.07029359480180994 | 514471.53456999996 | 0.06959800319561198 | 333835.21233 | 0.046867509307008504 | 288440.87075 | 0.034189363277726356 Autres actifs | 981391.7885799999 | 0.12207363710291176 | 1066408.02637 | 0.11819332715950465 | 0 | 0 | 0 | 0 | 999816.4257599998 | 0.12436544604103064 | 140040.28505 | 0.01894472978873466 | 146286.90393 | 0.018196376443192167 | 159276.2775299999 | 0.018879274978742346 8039342.5793699995 | 1 | 9022573.87958 | 1 | 0 | 0 | 0 | 0 | 8363229.34113 | 1.0402877173801668 | 7392044.46892 | 1 | 7122956.1217600005 | 0.8860122642414112 | 8436567.490507 | 1 0 | 0 PASSIF | 0 | 0 Dépôts | 0 | 0 À vue | 1932650.04872 | 0.24039901641701797 | 2150831.14615 | 0.23838332330176729 | 0 | 0 | 0 | 0 | 2063495.00366 | 0.24673423620129856 | 1730865.69429 | 0.23415250024096307 | 1609222.7383 | 0.2259206305348375 | 1451241.3418 | 0.17201798520938366 Épargne | 722495.42304 | 0.08986996335919524 | 744707.1617200001 | 0.08253821710514674 | 0 | 0 | 0 | 0 | 772508.68417 | 0.09236966399699645 | 657739.9596599999 | 0.08897943761370496 | 645020.65676 | 0.09055519165554299 | 625973.66186 | 0.07419767133545231 À terme | 2445874.8986299997 | 0.3042381730200717 | 2774515.54645 | 0.3075082103488581 | 0 | 0 | 0 | 0 | 2442085.99376 | 0.2920027532606247 | 1979868.1003100001 | 0.267837688021818 | 1797841.50999 | 0.25240103676867437 | 3920398.83952 | 0.4646912199696516 5101020.37039 | 0.634507152796285 | 5670053.85432 | 0.6284297507557721 | 0 | 0 | 0 | 0 | 5278089.68159 | 0.6311066534589197 | 4368473.75426 | 0.5909696258764859 | 4052084.90505 | 0.5688768589590548 | 5997613.84318 | 0.7109068765144876 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 | 167487.84716 | 0.020833525317081977 | 177588.07945 | 0.019682640654450002 | 0 | 0 | 0 | 0 | 160795.95508 | 0.019226538998424025 | 188712.75592999998 | 0.025529169463664157 | 66467.53725000001 | 0.00933145397975253 | 104794.04464 | 0.012421407729851794 167487.84716 | 0.020833525317081977 | 177588.07945 | 0.019682640654450002 | 0 | 0 | 0 | 0 | 160795.95508 | 0.019226538998424025 | 188712.75592999998 | 0.025529169463664157 | 66467.53725000001 | 0.00933145397975253 | 104794.04464 | 0.012421407729851794 Obligations à terme Banques locales | 1726579.7366900002 | 0.2147662846363369 | 1789726.22193 | 0.19836093844357763 | 0 | 0 | 0 | 0 | 1945749.74799 | 0.23265531394922856 | 1927471.8386900001 | 0.2607494918075905 | 2079326.46988 | 0.291919033942641 | 1445444.6667 | 0.17133089592733589 Banque à l'étranger | 0 | 0 | 195945.6 | 0.02171726190499437 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 122730.36672 | 0.015266219284514895 | 249383.22950999998 | 0.027639921029010042 | 0 | 0 | 0 | 0 | 102014.82672 | 0.012198018559445153 | 84721.82308999999 | 0.011461216642596592 | 85924.99978 | 0.012063109516778678 | 88800.62738 | 0.01052568209522656 1849310.1034100002 | 0.2300325039208518 | 2235055.05144 | 0.24771812137758206 | 0 | 0 | 0 | 0 | 2047764.57471 | 0.24485333250867372 | 2012193.6617800002 | 0.2722107084501871 | 2165251.46966 | 0.30398214345941965 | 1534245.29408 | 0.18185657802256244 Autres passifs | 175006.74182 | 0.02176878769528868 | 231798.35713 | 0.025690934784652623 | 0 | 0 | 0 | 0 | 167938.88543 | 0.02008062658333233 | 132743.0525 | 0.017957555999307206 | 161939.41895000002 | 0.02273486122640703 | 162543.19188 | 0.019266507624445248 7292825.06278 | 0.9071419697295074 | 8314495.34234 | 0.9215214475724568 | 0 | 0 | 0 | 0 | 7654589.09681 | 0.9152671515493498 | 6702123.224470001 | 0.9066670597896446 | 6445743.33091 | 0.904925317624634 | 7799196.37378 | 0.9244513698913471 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0.03731648415752789 | 300000 | 0.03324993555098104 | 0 | 0 | 0 | 0 | 250000 | 0.029892759100902666 | 250000 | 0.033820142864552566 | 200000 | 0.028078229962559743 | 200000 | 0.023706323718152452 Réserves | 261605.28932999997 | 0.032540632116028145 | 261605.28932999997 | 0.02899453003339416 | 0 | 0 | 0 | 0 | 305532.74332999997 | 0.03653286677520646 | 227443.0225 | 0.030768622057982573 | 270142.4945 | 0.03792561541615265 | 223078.9839 | 0.026441913035249596 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 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 | 0 | 0 | 0 BNR | 184912.22712 | 0.023000913979522263 | 146473.24791 | 0.016234086843167895 | 0 | 0 | 0 | 0 | 153107.5009 | 0.018307222563779754 | 212478.22163000001 | 0.028744175244530656 | 207070.29653999998 | 0.029070837023327793 | 214292.13356 | 0.025400393442134607 746517.51645 | 0.0928580302530783 | 708078.53724 | 0.07847855242754309 | 0 | 0 | 0 | 0 | 708640.24423 | 0.08473284843988887 | 689921.24413 | 0.0933329401670658 | 677212.7910399999 | 0.09507468240204019 | 637371.11746 | 0.07554863019553665 8039342.57923 | 0.9999999999825857 | 9022573.87958 | 1 | 0 | 0 | 0 | 0 | 8363229.34104 | 0.9999999999892387 | 7392044.468600001 | 0.9999999999567104 | 7122956.12195 | 1.0000000000266742 | 8436567.49124 | 1.0000000000868838 [sgbelgdes&$] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 7637.28934 | 21050.2444 | 28687.53374 | 0.2662232804401401 | 9186.89126 | 24590.72843 | 33777.61969 | 0.27198160629180795 Avoirs à la BRH | 820299.06695 | 335749.18613 | 1156048.25308 | 0.7095716504605404 | 727652.02669 | 261963.45052 | 989615.4772099999 | 0.7352876379232189 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 193733.35653 | 1901.2978300000002 | 195634.65436 | 0.9902813852882052 | 102226.08649999999 | 0 | 102226.08649999999 | 1 Autres liquidités | 97566.56558 | 7548.91446 | 105115.48004 | 0.9281845599037613 | 857.9827400000001 | 4907.80357 | 5765.78631 | 0.14880585125257617 1119236.2784 | 366249.64282 | 1485485.92122 | 0.7534479205839888 | 839922.9871899999 | 291461.98252 | 1131384.9697099999 | 0.7423847847344937 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 | 881432.86949 | 101632.07507 | 983064.94456 | 0 | 839845.7999999999 | 122465.40840000001 | 962311.2083999999 | 0.8727382500266013 Portefeuille net | 2313370.72839 | 2546041.90191 | 4859412.6303 | 0.4760597430984538 | 1984435.97584 | 2697399.30688 | 4681835.28272 | 0.4238585631502834 Immobilisations | 0 | 628202.35713 | 628202.35713 | 0 | 0 | 587881.4545400001 | 587881.4545400001 | 0 Autres actifs | 875991.34556 | 190416.68081 | 1066408.02637 | 0.8214410656133478 | 833303.2071199999 | 166513.21864 | 999816.4257599999 | 0.8334562082099954 | 297367.42498 5190031.22184 | 3832542.6577399997 | 9022573.879579999 | 0.5752273454458647 | 4497507.9701499995 | 3865721.3709800006 | 8363229.34113 | 0.5377716892243347 | 297367.42498 297367.42498 PASSIF | 297367.42498 Dépôts | 297367.42498 À vue | 1811864.83723 | 338966.30892 | 2150831.14615 | 0.8424021757697011 | 1762634.8393199998 | 300860.16434 | 2063495.00366 | 0.8541987434879331 Épargne | 553450.2214200001 | 191256.9403 | 744707.1617200001 | 0.7431783254799554 | 585956.73054 | 186551.95363 | 772508.68417 | 0.758511512617576 À terme | 2238703.1025199997 | 535812.44393 | 2774515.54645 | 0.8068807202700401 | 1979743.4825300002 | 462342.51122999995 | 2442085.99376 | 0.8106772192251321 4604018.16117 | 1066035.69315 | 5670053.85432 | 0.8119884359938152 | 4328335.05239 | 949754.6292 | 5278089.68159 | 0.8200571254950918 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 | 68623.5576 | 108964.52185000002 | 177588.07945000002 | 0.3864198419878795 | 70822.32724 | 89973.62784 | 160795.95507999999 | 0.4404484379272111 68623.5576 | 108964.52185000002 | 177588.07945000002 | 0.3864198419878795 | 70822.32724 | 89973.62784 | 160795.95507999999 | 0.4404484379272111 Obligations à terme Banques locales | 48986.4 | 1740739.82193 | 1789726.22193 | 0 | 0 | 1945749.74799 | 1945749.74799 | 0 Banque à l'étranger | 195945.6 | 0 | 195945.6 | 0 | 0 | 0 | 0 | 0 Autres | 116587.632 | 132795.59751 | 249383.22950999998 | 0 | 0 | 102014.82672 | 102014.82672 | 0 361519.632 | 1873535.41944 | 2235055.05144 | 0.16174976619349055 | 0 | 2047764.57471 | 2047764.57471 | 0 Autres passifs | 156997.01106 | 74801.34607 | 231798.35713 | 0.6772999300074892 | 85983.27025 | 81955.61518 | 167938.88543 | 0.5119914308698887 5191158.361830001 | 3123336.98051 | 8314495.34234 | 0.624350384249421 | 4485140.649879999 | 3169448.44693 | 7654589.09681 | 0.5859413997479176 AVOIR DES ACTIONNAIRES Capital versé | 0 | 300000 | 300000 | 0 | 0 | 250000 | 250000 | 0 Réserves | 0 | 261605.28932999997 | 261605.28932999997 | 0 | 0 | 305532.74332999997 | 305532.74332999997 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 146473.24791 | 146473.24791 | 0 | 0 | 153107.5009 | 153107.5009 | 0 0 | 708078.53724 | 708078.53724 | 0 | 708640.24423 | 708640.24423 5191158.361830001 | 3831415.51775 | 9022573.87958 | 0.5753522698859461 | 4485140.649879999 | 3878088.69116 | 8363229.341039999 | 0.5362929159278866 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes [SGBELRÉSULT ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 144444.02696000002 | 0.05619453030236944 | 152560.99121 | 0 | 0 | 0 | 0 | 102608.66665 | 0.27190114354731243 | 130508.08044999998 | -0.04250020390212533 | 124961.46042 | 0.6108274358626455 | 201291.34887000007 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4417.08653 | 0 | 4035.3846800000006 | 0 | 0 | 0 | 0 | 0 | 5873.03893 | 0 | 5864.945700000001 | 0.04148601409898769 | 6108.258919999998 | 0 | 5536.6426999999985 148861.11349000002 | 0.05196294867510585 | 156596.37589 | 0 | 0 | 0 | 0 | 108481.70558 | 0.2571062136318598 | 136373.02615 | -0.038888238823466155 | 131069.71934 | 0.5779998050768701 | 206827.99157000007 Dépenses d'intérêt | 45092.84934 | -0.03211615170025102 | 43644.64055 | 0 | 0 | 0 | 0 | 53693.5938 | 0.013713585697815502 | 54429.9255 | 0.26397526357077233 | 68798.07943 | 0.0072869660629134095 | 69299.40870000003 103768.26415000002 | 0.08849980545810239 | 112951.73534 | 0 | 0 | 0 | 0 | 54788.11177999999 | 0.4956365165319082 | 81943.10065 | -0.2400624406931079 | 62271.63991 | 1.2085267558196229 | 137528.58287000004 AUTRES REVENUS Commissions | 4291.05962 | 0.8198910599149399 | 7809.261039999999 | 0 | 0 | 0 | 0 | 4940.61712 | -0.43355135562498304 | 2798.6058700000003 | 0.549911052677096 | 4337.59017 | 0.2662150836624567 | 5492.3221 Gains sur change | 5210.80828 | 0.016742256731042047 | 5298.04897 | 0 | 0 | 0 | 0 | 4988.55432 | 0.42723645434816077 | 7119.84658 | -0.21180160879253115 | 5611.8516199999995 | -0.3613171101626524 | 3584.1936100000003 Autres | 3878.89394 | 0.11757423818605386 | 4334.951940000001 | 0 | 0 | 0 | 0 | 2011.01591 | 0.05037368401525967 | 2112.31819 | 1.3711481554774663 | 5008.61938 | 0.0021544499953598324 | 5019.4102 13380.761840000001 | 0.30353280019218987 | 17442.26195 | 0 | 0 | 0 | 0 | 11940.18735 | 0.007586421162813705 | 12030.77064 | 0.24331695928665797 | 14958.06117 | -0.05763683208684196 | 14095.92591 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 117149.02599000002 | 0 | 130393.99729 | 0 | 0 | 0 | 0 | 66728.29913 | 0 | 93973.87129 | -0.1781789978442847 | 77229.70108 | 0 | 151624.50878000003 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 7420.0961800000005 | 0 | 7577.840399999999 | 0 | 0 | 0 | 0 | -12715.12118 | 0 | 2400 | 8.889477716666667 | 23734.74652 | 0 | 19857.97419 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 109728.92981000003 | 0.11926870245304513 | 122816.15689 | 0 | 0 | 0 | 0 | 79443.42031 | 0.15269295975255315 | 91573.87129 | -0.41582731180393234 | 53494.95456 | 1.4631581739584532 | 131766.53459000002 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 28302.41691 | 0.14594044964904024 | 32432.88436 | 0 | 0 | 0 | 0 | 22765.163760000003 | 0.3029478312876408 | 29661.82075 | -0.2027849976134725 | 23646.8485 | 0.1898911501885758 | 28137.17576 Frais de locaux | 12007.41861 | -0.03676154586901676 | 11566.00734 | 0 | 0 | 0 | 0 | 10373.33134 | -0.015151848027251117 | 10216.1562 | 0.11143493871011889 | 11354.59294 | -0.22059894557523443 | 8849.78171 Amortissement | 4109.32556 | 0.008008233837768783 | 4142.234 | 0 | 0 | 0 | 0 | 2783.38439 | -0.03790535018413326 | 2677.87923 | 0.29527597852125703 | 3468.5926400000003 | 0.512290203671769 | 5245.5186699999995 Autres dépenses d'exploitation | 18828.61501 | 0.3060674429287191 | 24591.44106 | 0 | 0 | 0 | 0 | 18614.71242 | -0.11122332235310456 | 16544.32226 | -0.20986717590690857 | 13072.212069999998 | 0.7639041591833666 | 23058.129240000002 63247.77609 | 0.14996243751722405 | 72732.56676 | 0 | 0 | 0 | 0 | 54536.59191 | 0.08367934940876273 | 59100.178439999996 | -0.12788340897604894 | 51542.246150000006 | 0.26673962151337066 | 65290.60537999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 46481.15372000003 | 0.07750316250110419 | 50083.59013 | 0 | 0 | 0 | 0 | 24906.8284 | 0.30380682471799586 | 32473.69285 | -0.9398679904062716 | 1952.708409999992 | 33.04293691242939 | 66475.92921000003 Impôts sur le revenu | 12549.9115 | 0.07750316326931866 | 13522.56934 | 0 | 0 | 0 | 0 | 6724.84367 | 0.30380682440458856 | 8767.897069999999 | -0.9398679904895371 | 527.2312700000002 | 6.432900859617069 | 3918.857760000001 BÉNÉFICE NET | 33931.24222000003 | 0.07750316221697007 | 36561.020789999995 | 0 | 0 | 0 | 0 | 18181.984729999996 | 0.30380682483391375 | 23705.79578 | -0.9398679903754746 | 1425.4771399999918 | 42.885005023651516 | 62557.07145000003 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 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 | 144444.02696000002 | 0.4077176097873017 | 102608.66665 | 152560.99121 | 0.16897735898007402 | 130508.08044999998 | 0 | 0 | 124961.46042 | 0 | 0 | 201291.34887000007 | 297005.01817000005 | 0.27406126700366984 | 233116.74709999998 | 559369.55639 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4417.08653 | -0.24790443539593568 | 5873.03893 | 4035.3846800000006 | -0.31194850107478406 | 5864.945700000001 | 0 | 0 | 6108.258919999998 | 0 | 0 | 5536.6426999999985 | 8452.47121 | -0.27990438934490247 | 11737.98463 | 23382.886249999996 148861.11349000002 | 0.3722232029272638 | 108481.70558 | 156596.37589 | 0.14829435344314978 | 136373.02615 | 0 | 0 | 131069.71934 | 0 | 0 | 206827.99157000007 | 305457.48938000004 | 0.24750494802292167 | 244854.73172999997 | 582752.44264 Dépenses d'intérêt | 45092.84934 | -0.16018194818615403 | 53693.5938 | 43644.64055 | -0.19814991203689966 | 54429.9255 | 0 | 0 | 68798.07943 | 0 | 0 | 69299.40870000003 | 88737.48989 | -0.17929521287788866 | 108123.5193 | 246221.00743000003 103768.26415000002 | 0.8939923421102437 | 54788.11177999999 | 112951.73534 | 0.3784166628310276 | 81943.10065 | 0 | 0 | 62271.63991 | 0 | 0 | 137528.58287000004 | 216719.99949000005 | 0.5850075168531884 | 136731.21242999996 | 336531.43521 AUTRES REVENUS Commissions | 4291.05962 | -0.1314729484643813 | 4940.61712 | 7809.261039999999 | 1.7904111556801667 | 2798.6058700000003 | 0 | 0 | 4337.59017 | 0 | 0 | 5492.3221 | 12100.32066 | 0.5635058810987947 | 7739.22299 | 17569.135260000003 Gains sur change | 5210.80828 | 0.04455277937115858 | 4988.55432 | 5298.04897 | -0.2558759643947272 | 7119.84658 | 0 | 0 | 5611.8516199999995 | 0 | 0 | 3584.1936100000003 | 10508.857250000001 | -0.13210197310199728 | 12108.4009 | 21304.446130000004 Autres | 3878.89394 | 0.9288230991668285 | 2011.01591 | 4334.951940000001 | 1.0522248781089183 | 2112.31819 | 0 | 0 | 5008.61938 | 0 | 0 | 5019.4102 | 8213.84588 | 0.9920398592003498 | 4123.3341 | 14151.36368 13380.761840000001 | 0.12064923671402869 | 11940.18735 | 17442.26195 | 0.4498042122096344 | 12030.77064 | 0 | 0 | 14958.06117 | 0 | 0 | 14095.92591 | 30823.02379 | 0.2858486424638716 | 23970.957990000003 | 53024.94507000001 PRODUIT NET BANCAIRE | 117149.02599000002 | 0.7556123491439579 | 66728.29913 | 130393.99729 | 0.3875558759052163 | 93973.87129 | 0 | 0 | 77229.70108 | 0 | 0 | 151624.50878000003 | 247543.02328000005 | 0.5403838207849896 | 160702.17041999995 | 389556.38028000004 Dotation à la provision pour créances douteuses | 7420.0961800000005 | 1.5835647238400918 | -12715.12118 | 7577.840399999999 | 2.1574335 | 2400 | 0 | 0 | 23734.74652 | 0 | 0 | 19857.97419 | 14997.93658 | 2.4539758009900567 | -10315.12118 | 33277.59953 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 109728.92981000003 | 0.3812211178952452 | 79443.42031 | 122816.15689 | 0.34117030502140305 | 91573.87129 | 0 | 0 | 53494.95456 | 0 | 0 | 131766.53459000002 | 232545.08670000004 | 0.3597752866061652 | 171017.29159999994 | 356278.78075000003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 28302.41691 | 0.24323361818856498 | 22765.163760000003 | 32432.88436 | 0.0934218985865863 | 29661.82075 | 0 | 0 | 23646.8485 | 0 | 0 | 28137.17576 | 60735.301269999996 | 0.1584740537273368 | 52426.98451 | 104211.00877 Frais de locaux | 12007.41861 | 0.15752772339382345 | 10373.33134 | 11566.00734 | 0.13212906239628566 | 10216.1562 | 0 | 0 | 11354.59294 | 0 | 0 | 8849.78171 | 23573.42595 | 0.14492533649528602 | 20589.487540000002 | 40793.86219 Amortissement | 4109.32556 | 0.47637731057333405 | 2783.38439 | 4142.234 | 0.5468337606845699 | 2677.87923 | 0 | 0 | 3468.5926400000003 | 0 | 0 | 5245.5186699999995 | 8251.559560000002 | 0.5109249679472535 | 5461.26362 | 14175.37493 Autres dépenses d'exploitation | 18828.61501 | 0.011491049938014648 | 18614.71242 | 24591.44106 | 0.4863976096171618 | 16544.32226 | 0 | 0 | 13072.212069999998 | 0 | 0 | 23058.129240000002 | 43420.056070000006 | 0.23496155298880378 | 35159.03468 | 71289.37599 63247.77609 | 0.15973099665589272 | 54536.59191 | 72732.56676 | 0.23066577258882479 | 59100.178439999996 | 0 | 0 | 51542.246150000006 | 0 | 0 | 65290.60537999999 | 135980.34285000002 | 0.19662273427150428 | 113636.77035 | 230469.62188 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 46481.15372000003 | 0.86620122696955 | 24906.8284 | 50083.59013 | 0.5422819437672916 | 32473.69285 | 0 | 0 | 1952.708409999992 | 0 | 0 | 66475.92921000003 | 96564.74385000003 | 0.6828836989695374 | 57380.52124999993 | 125809.15887000004 Impôts sur le revenu | 12549.9115 | 0.8662012257602413 | 6724.84367 | 13522.56934 | 0.5422819442381982 | 8767.897069999999 | 0 | 0 | 527.2312700000002 | 0 | 0 | 3918.857760000001 | 26072.48084 | 0.6828836987302481 | 15492.74074 | 19938.82977 BÉNÉFICE NET | 33931.24222000003 | 0.8662012274168286 | 18181.984729999996 | 36561.020789999995 | 0.5422819435931205 | 23705.79578 | 0 | 0 | 1425.4771399999918 | 0 | 0 | 62557.07145000003 | 70492.26301000002 | 0.6828836990580416 | 41887.78050999993 | 105870.32910000005 s [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 297005.01817000005 | 0.27406126700366984 | 233116.74709999998 | 559369.55639 | 0.2423228333832082 | 450261.02826000005 | 430014.3202099999 | 448063.00658 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8452.47121 | -0.27990438934490247 | 11737.98463 | 23382.886249999996 | -0.5595688381679579 | 53090.89882 | -0.5407184889063065 | 115595.54986999999 | -0.05578362994367248 | 122424.85254000002 305457.48938000004 | 0.24750494802292167 | 244854.73172999997 | 582752.44264 | 0.1577435414236141 | 503351.92708000005 | -0.07745084045822667 | 545609.8700799999 | -0.043608270784895244 | 570487.85912 Dépenses d'intérêt | 88737.48989 | -0.17929521287788866 | 108123.5193 | 246221.00743000003 | 0.18329994445756406 | 208079.96196 | -0.12124519315706357 | 236789.55761000008 | -0.12423484277636426 | 270380.19914000004 216719.99949000005 | 0.5850075168531884 | 136731.21242999996 | 336531.43521 | 0.1397337877073155 | 295271.96512000007 | -0.04387129603502331 | 308820.31246999983 | 0.02903175643894084 | 300107.65998 AUTRES REVENUS Commissions | 12100.32066 | 0.5635058810987947 | 7739.22299 | 17569.135260000003 | -0.09248961744497271 | 19359.707169999998 | -0.2540802342615569 | 25954.14153 | -0.12220736530232584 | 29567.508889999997 Gains sur change | 10508.857250000001 | -0.13210197310199728 | 12108.4009 | 21304.446130000004 | 0.1164540272069853 | 19082.24218 | -0.17133950698467842 | 23027.816990000003 | -0.07387419772779731 | 24864.6749 Autres | 8213.84588 | 0.9920398592003498 | 4123.3341 | 14151.36368 | 36591.35286 | 0.5590165374730502 | 23470.791989999998 | 3791.64757 30823.02379 | 0.2858486424638716 | 23970.957990000003 | 53024.94507000001 | 75033.30221 | 0.03561702877855308 | 72452.75051 | 58223.83136 PRODUIT NET BANCAIRE | 247543.02328000005 | 0.5403838207849896 | 160702.17041999995 | 389556.38028000004 | 370305.26733000006 | -0.028766248431704926 | 381273.0629799998 | 358331.49134 Dotation à la provision pour créances douteuses | 14997.93658 | -2.4539758009900567 | -10315.12118 | 33277.59953 | 3.057751603814935 | -16171.825339999996 | -1.9205408195651248 | 17567.74387 | 4.217908513607741 | -5459.3670999999995 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 232545.08670000004 | 0.3597752866061652 | 171017.29159999994 | 356278.78075000003 | -0.07813739156277845 | 386477.09267000004 | 0.06261050461325007 | 363705.3191099998 | -0.0002351332586172784 | 363790.85844 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 60735.301269999996 | 0.1584740537273368 | 52426.98451 | 104211.00877 | 0.29706568313219434 | 80343.66349 | 0.11080743007541254 | 72329.06561 | 0.06163064859559702 | 68130.15968000001 Frais de locaux | 23573.42595 | 0.14492533649528602 | 20589.487540000002 | 40793.86219 | 0.030840805156282087 | 39573.38707 | 0.08069596733801623 | 36618.427630000006 | -0.2080512899304724 | 46238.38282 Amortissement | 8251.559560000002 | 0.5109249679472535 | 5461.26362 | 14175.37493 | 0.46123948664450987 | 9700.92518 | -0.052608669375293175 | 10239.61785 | -0.03787098516601945 | 10642.666099999999 Autres dépenses d'exploitation | 43420.056070000006 | 0.23496155298880378 | 35159.03468 | 71289.37599 | 0.08324815274920079 | 65810.75242 | 0.06633195758229421 | 61716.946540000004 | 0.04308722023836159 | 59167.57999 135980.34285000002 | 0.19662273427150428 | 113636.77035 | 230469.62188 | 0.1793026749440418 | 195428.72816 | 0.08028935735486412 | 180904.05763 | -0.017780174281034535 | 184178.78859 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 96564.74385000003 | 0.6828836989695374 | 57380.52124999993 | 125809.15887000004 | -0.34148005300817524 | 191048.36451000004 | 0.04511513193743766 | 182801.2614799998 | 0.017755998428520096 | 179612.06984999997 Impôts sur le revenu | 26072.48084 | 0.6828836987302481 | 15492.74074 | 19938.82977 | -0.6134616600734702 | 51583.05842 | 0.045115131975566235 | 49356.3406 | 0.01775599842627588 | 48495.25886 BÉNÉFICE NET | 70492.26301000002 | 0.6828836990580416 | 41887.78050999993 | 105870.32910000005 | -0.2408841161422641 | 139465.30609000003 | 0.04511513192333514 | 133444.92087999982 | 0.017755998429350203 | 131116.81098999997 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 133669770.00610064 | 0.08951938641268507 | 145635805.7989715 | 0 | 0 | 0 | 0 | 0.06372012882223306 | 136911770.16667125 | 0.2105370995233793 | 113100019.99986374 | -0.018285598453355156 | 115206642.40198573 | 0.3371283704934018 | 86159747.21968868 Bons B.R.H. | 0 | 0 | 3400000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600000 | -0.3333333333333333 | 900000 | #DIV/0! | 0 Prêts nets | 35548142.796409994 | 0.011650495252647325 | 35962296.2653 | 0 | 0 | 0 | 0 | -0.0716240851999982 | 38736782.90442001 | 0.20484090978454544 | 32150952.53642 | 0.1013941567494673 | 29191141.37241 | 0.17520460887677017 | 24839199.19299 Dépôts | 113961476.00947121 | 0.09944345715957453 | 125294199.16686094 | 0 | 0 | 0 | 0 | 0.08026112839257957 | 115985103.85474831 | 0.19488506221538535 | 97068000.53195517 | 0.041848317783720494 | 93169033.22207573 | 0.32696466406225894 | 70212143.35644464 Avoir des Actionnaires | 11242545.63684 | 0.05780619676832074 | 11892434.4421 | 0 | 0 | 0 | 0 | -0.017120403622903912 | 12099584.207400002 | 0.16459879809659886 | 10389487.11537 | -0.14997333442544156 | 12222542.58147 | 0.11791422395645655 | 10933345.61771 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 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. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) Résultats | 0 | 0 Revenus nets d'intérêt | 788217.53327 | -0.017696442927462166 | 802417.4682 | 814615.9584799998 | -0.0028129808648506634 | 816913.9217100001 | 0 | 0 | 825541.4684300001 | 0 | 0 | 948894.4157100002 | 1602833.4917500005 | -0.010188092605872699 | 1619331.3899100001 Autres revenus | 527723.70643 | -0.5470444397130376 | 1165067.28849 | 1239644.01046 | 0.11552858461959056 | 1111261.53785 | 0 | 0 | 1294747.64946 | 0 | 0 | 877989.60959 | 1767367.7168900003 | -0.2235885710186845 | 2276328.82634 Dot. à la prov. pr créances douteuses | 55296.497 | 2.0838490324019854 | 17931 | 56028.28 | 4.630982914572864 | 9950 | 0 | 0 | 21587.29 | 0 | 0 | 178201.03 | 111324.777 | 2.9928545245866363 | 27881 Dépenses d'exploitation | 1128996.24279 | 0.18308924965058068 | 954278.1688899999 | 1277057.1134199998 | 0.19939618006804566 | 1064750.02559 | 0 | 0 | 1254283.3636 | 0 | 0 | 1284746.78683 | 2406053.35621 | 0.19168883465229583 | 2019028.1944799998 Bénéfice (perte) net | 95217.07723000001 | -0.88837485303762 | 853007.40757 | 665939.51026 | -0.08526854195603828 | 728016.4078800001 | 0 | 0 | 794555.0229900003 | 0 | 0 | 448348.5931500002 | 761156.5874900011 | -0.5185672852920586 | 1581023.8154500006 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 19) | (oct. - déc. 18) | (janv. - mars 20) | (janv. - mars 19) | (avril - juin 20) | (avril - juin 19) | (juil. - sept. 20) | (juil. - sept. 19) | (oct. 19- mars 20) | (oct.18 - mars 19) | 2019 | 2018 | 2017 | 2016 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.08410686751631948 | 0.09230122865322286 | 0.08165872655324702 | 0.09395853342800062 | 0 | 0.08684872683670952 | 0 | 0.08837504761402487 | 0.08165872655324702 | 0.09395853342800062 | 0.08837504761402487 | 0.09186105462565361 | 0.10609234265175779 | 0.1268962127968219 Dépôts en % de l'actif | 0.8525598271342133 | 0.8577423897607271 | 0.8603255118443255 | 0.8490726281984488 | 0 | 0.8383515443131573 | 0 | 0.8471521748170548 | 0.8603255118443255 | 0.8490726281984488 | 0.8471521748170548 | 0.8582491898062627 | 0.8087123387988768 | 0.8149065616153549 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.008273772085254021 | 0.001372230883780026 | 0.008780948279076651 | 0.0016847718712124967 | 0 | 0.0018026165698218906 | 0 | 0.007531583505766791 | 0.008780948279076651 | 0.0016847718712124967 | 0.007531583505766791 | 0.0009692811640748915 | 0.002420062145526029 | 0.006941060232691702 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.876150408396283 | 5.064618297330565 | 2.03944674254619 | 4.642832698438702 | 0 | 4.78497638224745 | 0 | 1.741309741311233 | 2.03944674254619 | 4.642832698438702 | 1.741309741311233 | 6.802098296045859 | 2.698268368499335 | 1.4509082676359661 Prêts improductifs nets en % de l'avoir des actionnaires | -0.0232824582826041 | -0.018142831216758047 | -0.028104007912528088 | -0.018347753479630774 | 0 | -0.022709672875759188 | 0 | -0.018112253111637455 | -0.028104007912528088 | -0.018347753479630774 | -0.018112253111637455 | -0.01751892440491448 | -0.009880242163613396 | -0.007182810489663147 Rentabilité ROA (rendement de l'actif) | 0.0028151832432974384 | 0.029050635152999014 | 0.019074148687235958 | 0.023389713002209225 | 0 | 0.024293737400881286 | 0 | 0.01321785534681411 | 0.010775623678789675 | 0.02631730677899574 | 0.02259035407657341 | 0.017060211186497757 | 0.09857517999857628 | 0.06614101829095291 ROE (rendement avoir des action.) | 0.03263355241886675 | 0.315461587093751 | 0.23027969178714316 | 0.251103090571519 | 0 | 0.2690181917584282 | 0 | 0.15085635414798923 | 0.12690163318222725 | 0.28306903452558985 | 0.25113775407264566 | 0.1722516699332088 | 0.8572216246631783 | 0.608435043921886 Revenus nets d'intérêt en % des revenus d'intérêt | 0.6927160144577232 | 0.8114343148761239 | 0.7521764507030515 | 0.7773973836780025 | 0 | 0.7410714351991868 | 0 | 0.7614515115780867 | 0.7217119245908057 | 0.7938990169479706 | 0.7713337934352702 | 0.7705328185157186 | 0.6431104592380702 | 0.66949993362236 Rendement moyen des prêts | 0.10767786894146938 | 0.10195601063715878 | 0.09845371495820776 | 0.10351228546965903 | 0 | 0.10518657891814917 | 0 | 0.11404562410439446 | 0.10066507289616458 | 0.10655912998502658 | 0.10914966133935232 | 0.0978000610885603 | 0.1055141735780157 | 0.12091848658212812 Rendement moyen des prêts productifs | 0.10853389763512604 | 0.1020767722548156 | 0.09930066386778566 | 0.10367055789323434 | 0 | 0.10537057393438794 | 0 | 0.11458201320091488 | 0.10149065703399461 | 0.1067026138590161 | 0.10965032220657434 | 0.09796264458623037 | 0.10599139947090741 | 0.12162364539119629 Rémunération moyenne des dépôts | 0.012164487680102481 | 0.007401710463705088 | 0.00897436012323441 | 0.008807214855897897 | 0 | 0.010454693104235028 | 0 | 0.010398655225798957 | 0.010246110765574405 | 0.008199836143487245 | 0.009444605335615003 | 0.008493982118062552 | 0.013927407641885938 | 0.015445704433420197 Dépenses d'exploitation en % du produit net bancaire | 0.8579381880663467 | 0.4850244280903252 | 0.621662853158241 | 0.5522059832837881 | 0 | 0.5915624209061623 | 0 | 0.7032448524580133 | 0.713919795067942 | 0.5182762567582282 | 0.5811749575711319 | 0.6652059554244748 | 0.25759194644786443 | 0.3281101295659893 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4104.300162807018 | 6150.7925179835875 | 6328.1015600770115 | 6080.174882333465 | 0 | 6707.122555603006 | 0 | 5756.231666955496 | 5221.070811216113 | 6106.050495689656 | 6122.430413302108 | 4266.680721185528 | 10344.60020767949 | 6870.057843196617 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars 20 | SEPTEMBRE Déc. 19 | Var. | Mars 20 | Var. | Juin 20 | Var. | Sept. 20 | /sept. 19 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 ACTIF Disponibilités Encaisse | 2132727.727248616 | 0.6286805999965376 | 3473532.274444528 | 0 | 0 | 0 | 0 | 0.4800488383193071 | 2346903.82135562 | 0.7272347880190411 | 1358763.6363249 | -0.1880169237811033 | 1673389.10886192 | 0.1427806393912937 | 1464313.4921792662 Avoirs à la BRH | 52683359.19809669 | 0.026639336440555262 | 54086808.92859341 | 0 | 0 | 0 | 0 | 0.03911546271515102 | 52050817.13178205 | 0.24934793414521225 | 41662387.0014197 | 0.19977063841925743 | 34725293.041269496 | 0.28383738993808355 | 27048046.203845344 Avoirs à l'étranger | 7998791.138207278 | 0.5277809575330671 | 12220400.784237327 | 0 | 0 | 0 | 0 | 0.6558591552664906 | 7380096.758453228 | 0 | 3033594.8964456515 | -0.46259172724587083 | 5644860.807406212 | 2.637248655421761 | 1551959.0058798597 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0.5135672332618175 Autres liquidités | 597103.3215322581 | 0.2974784707076291 | 774728.70447612 | 0 | 0 | 0 | 0 | 0.9572099504141255 | 395833.213658144 | -0.6217753306554045 | 1046555.779516078 | 0.11134268396952117 | 941703.9357995 | 0.4701140940292231 | 640565.204853264 63411981.385084845 | 0.11265204383515397 | 70555470.69175139 | 0 | 0 | 0 | 0 | 0.13481305411161645 | 62173650.92524904 | 0.3199985815924103 | 47101301.31370629 | 0.09575504894929815 | 42985246.89333713 | 0.3999481745283246 | 30704884.420324966 Bons B.R.H. | 0 | 0 | 3400000 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 600000 | -0.3333333333333333 | 900000 | 0 | 0 Bons du Trésor / M.E.F. | 112500.00003 | 14.111111107081483 | 1700000 | 0 | 0 | 0 | 0 | 66.9999998912 | 25000.00004 | -0.8795557495944972 | 207564.91037 | -0.4735816396578111 | 394296.48737 | -0.3262131962991845 | 585194.73104 Autres Placements | 28861067.808358528 | -0.026898377045321543 | 28084751.92451871 | 0 | 0 | 0 | 0 | -0.07056251691423064 | 30216934.90483751 | 0.1162748414415176 | 27069440.0545805 | -0.19431760418559516 | 33598152.566332296 | 0.24971774299102048 | 26884592.744854473 Portefeuille net | 35548142.796409994 | 0.011650495252647325 | 35962296.2653 | 0 | 0 | 0 | 0 | -0.0716240851999982 | 38736782.90442001 | 0.20484090978454544 | 32150952.53642 | 0.1013941567494673 | 29191141.37241 | 0.17520460887677017 | 24839199.19299 Immobilisations | 2660569.3925000005 | 0.04605952591781518 | 2783113.95739 | 0 | 0 | 0 | 0 | 0.06021412638054286 | 2625048.9294 | 0.08355917371391151 | 2422617.05044 | 0.07885380536703164 | 2245547.11527 | 0.17827349702977574 | 1905794.4704099998 Autres actifs | 3075508.623717272 | 0.02427706939864777 | 3150172.960011396 | 0 | 0 | 0 | 0 | 0.005047440347871854 | 3134352.5027246904 | 0 | 3548144.1343469657 | -0.39782946468769104 | 5892257.967266301 | 0 | 1240081.660069248 133669770.00610064 | 0.08951938641268507 | 145635805.7989715 | 0 | 0 | 0 | 0 | 0.06372012882223306 | 136911770.16667125 | 0 | 113100019.99986374 | -0.018285598453355156 | 115206642.40198573 | 0 | 86159747.21968868 0 | 0 | 0 PASSIF | 0 | 0 | 0 Dépôts | 0 | 0 | 0 À vue | 45342489.50369419 | 0.1780161877534079 | 53414186.628390744 | 0 | 0 | 0 | 0 | 0.09407442541850825 | 48821346.50753637 | 0.21182725942278177 | 40287381.000812754 | -0.017656761593571584 | 41011511.481636025 | 0.4472486800995875 | 28337570.484993607 Épargne | 44990855.020286836 | 0.05227642553448494 | 47342816.10248767 | 0 | 0 | 0 | 0 | 0.09428882440854476 | 43263547.106108956 | 0.26261632832742743 | 34264998.90383934 | 0.09962590994501515 | 31160596.157244697 | 0.18760003638334843 | 26238291.68289642 À terme | 23628131.485490173 | 0.03847384000933822 | 24537196.43598253 | 0 | 0 | 0 | 0 | 0.026651907596363256 | 23900210.241102997 | 0.06149462352021182 | 22515620.62730308 | 0.07232940070633852 | 20996925.583194997 | 0.3428337166617497 | 15636281.188554617 113961476.00947121 | 0.09944345715957453 | 125294199.16686094 | 0 | 0 | 0 | 0 | 0.08026112839257957 | 115985103.85474831 | 0.19488506221538535 | 97068000.53195517 | 0.041848317783720494 | 93169033.22207573 | 0.32696466406225894 | 70212143.35644464 0 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2124281.0729300003 | -0.09381830926488884 | 2344210.98401 | 1.6622652768921418 | 880532.45646 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 Autres | 3274161.771507476 | 0.22366967477416694 | 4006492.4700985635 | 0 | 0 | 0 | 0 | 0.2595381981417083 | 3180921.766413789 | 0.9393928034767269 | 1640163.74646301 | -0.6781843743329442 | 5096594.495880357 | 2.0778360741344954 | 1655901.865180896 3274161.771507476 | 0.22366967477416694 | 4006492.4700985635 | 0 | 0 | 0 | 0 | 0.2595381981417083 | 3180921.766413789 | -0.15500906002742537 | 3764444.8193930103 | -0.49408100647613207 | 7440805.479890357 | 1.3081696625892576 | 3223682.210407104 Obligations à terme Banques locales | 1667560.38057 | -0.02092299220857826 | 1632670.0277200001 | 0 | 0 | 0 | 0 | -0.3931912233197942 | 2690584.06942 | 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 | 1940296.7348619478 | -0.4015797402084082 | 1161112.8761488642 | 0 | 0 | 0 | 0 | 0.18513934618759595 | 979726.8818084379 | 1.7927280755791506 | 350813.56125417404 | -0.6682147286193865 | 1057351.2193425 | 0.9042099610784883 | 555270.291067928 3607857.1154319476 | -0.22563926051312566 | 2793782.9038688643 | 0 | 0 | 0 | 0 | -0.238815745861043 | 3670310.951228438 | 9.462283550575735 | 350813.56125417404 | -0.6682147286193865 | 1057351.2193425 | 0.9042099610784883 | 555270.291067928 Autres passifs | 1583729.473737282 | 0.04114802705197396 | 1648896.8169656321 | 0 | 0 | 0 | 0 | -0.16547443943215218 | 1975849.3866187278 | 0.29370985074812794 | 1527273.975285982 | 0.15974067887912816 | 1316909.8946861718 | 0.06605987973787465 | 1235305.7456866088 122427224.37014791 | 0.09243162250769266 | 133743371.35779402 | 0 | 0 | 0 | 0 | 0.07155699846261739 | 124812185.95900927 | 0.21518390032350015 | 102710532.88788833 | -0.002656399663591113 | 102984099.81599477 | 0.36898878080934033 | 75226401.60360628 AVOIR DES ACTIONNAIRES Capital versé | 6404700 | -0.00019047886708198084 | 6403480.04 | 0 | 0 | 0 | 0 | -0.00019047886708198084 | 6404700 | -0.004230856685317159 | 6431912.5 | -0.005894467585258229 | 6470050 | 1.0001932165532486 | 3234712.5 Réserves | 1398588.42176 | -0.027265272682590283 | 1360455.52707 | 0 | 0 | 0 | 0 | -0.02485199924216666 | 1395127.22788 | 0.8202596836864942 | 766444.06311 | -0.34376844814764773 | 1167947.59555 | 0.8002299275444389 | 648776.90215 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 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 | 0 | 0 BNR | 3439257.21508 | 0.20040422011122172 | 4128498.8750299998 | 0 | 0 | 0 | 0 | -0.039829717192323505 | 4299756.9795200005 | 0.34740867197515835 | 3191130.5522600003 | -0.30393734556852153 | 4584544.98592 | -0.3496966681673194 | 7049856.215559999 11242545.63684 | 0.05780619676832074 | 11892434.4421 | 0 | 0 | 0 | 0 | -0.017120403622903912 | 12099584.207400002 | 0.16459879809659886 | 10389487.11537 | -0.14997333442544156 | 12222542.58147 | 0.11791422395645655 | 10933345.61771 133669770.00698791 | 0.0895193864123544 | 145635805.799894 | 0 | 0 | 0 | 0 | 0.06372012883100628 | 136911770.16640928 | 0.21053709948472998 | 113100020.00325833 | -0.018285598385365257 | 115206642.39746477 | 0.33712837041567095 | 86159747.22131628 Hors-bilan Effets à l'encaissement | 7459.049455486001 | 1625.6101626920001 | 0 | 0 | 629.0437063559999 | 1197.311534722 | 935.3474272999999 | 271.457874491 Crédit documentaire | 1317411.573499098 | 1476175.735910064 | 0 | 0 | 1317310.419578244 | 1037165.801866848 | 1007818.0681790999 | 1022605.422937896 Autres | 1585596.484271218 | 1212434.7700368483 | 0 | 0 | 1528207.0292863299 | 1323377.4992928582 | 1572242.4266678 | 591566.379731576 Portefeuille brut | 36108651.650249995 | 0.014107727030745469 | 36618062.65118 | 0 | 0 | 0 | 0 | -0.06709280814675966 | 39251560.03829001 | 0.21280290957768924 | 32364335.316409998 | 0.10146419204857106 | 29383011.76747 | 0.1710160171408638 | 25091895.702 Provisions pour créances douteuses | 560508.85384 | 0.16994830926826304 | 655766.38588 | 0 | 0 | 0 | 0 | 0.2738840611471388 | 514777.13387 | 1.4124586524466716 | 213382.77999 | 0.11211935495975206 | 191870.39506 | -0.2407081688160279 | 252696.50901 Portefeuille de crédit improductif | 298754.75405999995 | 0.07627179099357109 | 321541.31422 | 0 | 0 | 0 | 0 | 0.08766102036439324 | 295626.40215999994 | 8.423815016811298 | 31370.140610000002 | -0.5588425296311608 | 71108.7145 | -0.5917148908260832 | 174164.35942000002 0 [unibkcomp ] UNIBANK (UNIBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 19 | Comp. | Mars 20 | Comp. | Juin 20 | Comp. | Sept. 20 | Comp. | 2019 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. ACTIF Disponibilités Encaisse | 2132727.727248616 | 0.015955198599887463 | 3473532.274444528 | 0.02385081234239347 | 0 | 0 | 0 | 0 | 2346903.82135562 | 0.017141724327269944 | 1358763.6363249 | 0.012013823130416214 | 1673389.10886192 | 0.01452510961150168 | 1464313.4921792662 | 0.016995331804370132 Avoirs à la BRH | 52683359.19809669 | 0.3941306938411897 | 54086808.92859341 | 0.3713840056836859 | 0 | 0 | 0 | 0 | 52050817.13178205 | 0.3801778113628751 | 41662387.0014197 | 0.36836763602225603 | 34725293.041269496 | 0.30141745577571805 | 27048046.203845344 | 0.313929033877951 Avoirs à l'étranger | 7998791.138207278 | 0.0598399409069247 | 12220400.784237327 | 0.08391068883915653 | 0 | 0 | 0 | 0 | 7380096.758453228 | 0.055211412109981206 | 3033594.8964456515 | 0.02682223129977612 | 5644860.807406212 | 0.04899770264729906 | 1551959.0058798597 | 0.018012576127024844 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5135672332618175 | 5.960639972078056e-09 Autres liquidités | 597103.3215322581 | 0.004467003433199642 | 774728.70447612 | 0.005319630706376682 | 0 | 0 | 0 | 0 | 395833.213658144 | 0.0028911554731654663 | 1046555.779516078 | 0.00925336511450076 | 941703.9357995 | 0.008174042018459766 | 640565.204853264 | 0.007434622611182477 63411981.385084845 | 0.4743928367812015 | 70555470.69175139 | 0.48446513757161264 | 0 | 0 | 0 | 0 | 62173650.92524904 | 0.4541147254875251 | 47101301.31370633 | 0.4164570555669491 | 42985246.89333713 | 0.37311431005297857 | 30704884.420324966 | 0.3563715703811684 Bons B.R.H. | 0 | 0 | 3400000 | 0.023345907150698866 | 0 | 0 | 0 | 0 | 0 | 0 | 600000 | 0.0053050388496900585 | 900000 | 0.007812049559257768 | 0 | 0 Bons du Trésor / M.E.F. | 112500.00003 | 0.0008416263454696267 | 1700000 | 0.011672953575349433 | 0 | 0 | 0 | 0 | 25000.00004 | 0 | 207564.91037 | 0 | 394296.48737 | 0 | 585194.73104 | 0 Autres Placements | 28861067.808358528 | 0.21591320017264426 | 28084751.92451871 | 0.19284235611183087 | 0 | 0 | 0 | 0 | 30216934.90483751 | 0.22070370478778084 | 27069440.0545805 | 0.2393407185481762 | 33598152.566332296 | 0.29163381438632385 | 26884592.744854473 | 0.31203193616973585 Portefeuille net | 35548142.796409994 | 0.2659400311288603 | 35962296.2653 | 0.24693306751047597 | 0 | 0 | 0 | 0 | 38736782.90442001 | 0.2829324524638262 | 32150952.53642 | 0.28427008710041535 | 29191141.37241 | 0.2533807145472964 | 24839199.19299 | 0.2882923870430519 Immobilisations | 2660569.3925000005 | 0.019904047058497767 | 2783113.95739 | 0.01911009412912971 | 0 | 0 | 0 | 0 | 2625048.9294 | 0.019173288945167854 | 2422617.05044 | 0.02142012928417623 | 2245547.11527 | 0.019491472613486174 | 1905794.4704099998 | 0.02211931362275979 Autres actifs | 3075508.623717272 | 0.02300825851332659 | 3150172.960011396 | 0.02163048395090243 | 0 | 0 | 0 | 0 | 3134352.5027246904 | 0.023448476814029378 | 3548144.1343469657 | 0.03137173746168426 | 5892257.967266301 | 0.044080707006508506 | 1240081.660069248 | 0.014392819153790093 133669770.00610064 | 1 | 145635805.7989715 | 1 | 0 | 0 | 0 | 0 | 136911770.16667125 | 1.0242538021904477 | 113100019.99986379 | 1 | 115206642.40198573 | 0.8618750701578056 | 86159747.21968868 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 45342489.50369419 | 0.3392127442250015 | 53414186.628390744 | 0.36676548281073856 | 0 | 0 | 0 | 0 | 48821346.50753637 | 0.35658984211586114 | 40287381.000812754 | 0.3562102022692947 | 41011511.481636025 | 0.35598217799401066 | 28337570.484993607 | 0.32889570129237894 Épargne | 44990855.020286836 | 0.3365821233793809 | 47342816.10248767 | 0.32507676146508474 | 0 | 0 | 0 | 0 | 43263547.106108956 | 0.3159958201799709 | 34264998.90383934 | 0.30296191728242494 | 31160596.157244697 | 0.2704756905293475 | 26238291.68289642 | 0.3045307412055709 À terme | 23628131.485490173 | 0.17676495952983082 | 24537196.43598253 | 0.16848326756850213 | 0 | 0 | 0 | 0 | 23900210.241102997 | 0.17456651252122282 | 22515620.62730308 | 0.1990770702545428 | 20996925.583194997 | 0.1822544702755185 | 15636281.188554617 | 0.1814801191174051 113961476.00947121 | 0.8525598271342133 | 125294199.16686094 | 0.8603255118443255 | 0 | 0 | 0 | 0 | 115985103.85474831 | 0.8471521748170548 | 97068000.53195517 | 0.8582491898062624 | 93169033.22207573 | 0.8087123387988768 | 70212143.35644464 | 0.8149065616153549 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 | 0.018782322699258218 | 2344210.98401 | 0.020347880427158377 | 880532.45646 | 0.01021976601457329 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 0.007976438080927451 Autres | 3274161.771507476 | 0.02449440715995879 | 4006492.4700985635 | 0.02751035329614565 | 0 | 0 | 0 | 0 | 3180921.766413789 | 0.02323336965508118 | 1640163.74646301 | 0.01450188732473244 | 5096594.495880357 | 0.04423872087250857 | 1655901.865180896 | 0.01921897311233638 3274161.771507476 | 0.02449440715995879 | 4006492.4700985635 | 0.02751035329614565 | 0 | 0 | 0 | 0 | 3180921.766413789 | 0.02323336965508118 | 3764444.8193930103 | 0.03328421002399066 | 7440805.479890357 | 0.06458660129966695 | 3223682.210407104 | 0.03741517720783712 Obligations à terme Banques locales | 1667560.38057 | 0.01247522443177611 | 1632670.0277200001 | 0.011210636139670608 | 0 | 0 | 0 | 0 | 2690584.06942 | 0.019651955899369238 | 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 | 1940296.7348619478 | 0.0145155986635826 | 1161112.8761488642 | 0.007972715705309498 | 0 | 0 | 0 | 0 | 979726.8818084379 | 0.00715589960319522 | 350813.56125417404 | 0.0031017992857525272 | 1057351.2193425 | 0.009177866807828046 | 555270.291067928 | 0.006444660168885002 3607857.1154319476 | 0.026990823095358708 | 2793782.9038688643 | 0.019183351844980105 | 0 | 0 | 0 | 0 | 3670310.951228438 | 0.026807855502564457 | 350813.56125417404 | 0.0031017992857525272 | 1057351.2193425 | 0.009177866807828046 | 555270.291067928 | 0.006444660168885002 Autres passifs | 1583729.473737282 | 0.011848075100787569 | 1648896.8169656321 | 0.011322056467636043 | 0 | 0 | 0 | 0 | 1975849.3866187278 | 0.014431552409361175 | 1527273.975285982 | 0.013503746288354514 | 1316909.8946861718 | 0.011430850402628114 | 1235305.7456866088 | 0.014337388229991517 122427224.37014791 | 0.9158931324903183 | 133743371.35779402 | 0.9183412734530874 | 0 | 0 | 0 | 0 | 124812185.95900927 | 0.9116249523840617 | 102710532.88788833 | 0.90813894540436 | 102984099.81599477 | 0.893907657309 | 75226401.60360628 | 0.8731037872220686 AVOIR DES ACTIONNAIRES Capital versé | 6404700 | 0.047914348919039 | 6403480.04 | 0.043969132486821605 | 0 | 0 | 0 | 0 | 6404700 | 0.04677976182911928 | 6431912.5 | 0.05686924281717851 | 6470050 | 0.056160390278750805 | 3234712.5 | 0.037543198586135404 Réserves | 1398588.42176 | 0.01046301210584988 | 1360455.52707 | 0.009341490711068032 | 0 | 0 | 0 | 0 | 1395127.22788 | 0.010189972901392074 | 766444.06311 | 0.0067766925515214144 | 1167947.59555 | 0.01013784944339172 | 648776.90215 | 0.007529930426742775 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 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 | 0 | 0 | 0 BNR | 3439257.21508 | 0.025729506491430586 | 4128498.8750299998 | 0.02834810335535738 | 0 | 0 | 0 | 0 | 4299756.9795200005 | 0.0314053128835135 | 3191130.5522600003 | 0.028215119256953653 | 4584544.98592 | 0.03979410292961528 | 7049856.215559999 | 0.08182308378394372 11242545.63684 | 0.08410686751631948 | 11892434.4421 | 0.08165872655324702 | 0 | 0 | 0 | 0 | 12099584.207400002 | 0.08837504761402487 | 10389487.11537 | 0.09186105462565358 | 12222542.58147 | 0.10609234265175779 | 10933345.61771 | 0.1268962127968219 133669770.00698791 | 1.0000000000066378 | 145635805.799894 | 1.0000000000063343 | 0 | 0 | 0 | 0 | 136911770.16640928 | 0.9999999999980866 | 113100020.00325833 | 1.0000000000300135 | 115206642.39746477 | 0.9999999999607577 | 86159747.22131628 | 1.0000000000188904 #REF! [unibkgdes&$] UNIBANK (UNIBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 20 | Septembre 19 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 912464.918044528 | 2561067.3564 | 3473532.274444528 | 0.26269078446678473 | 1148612.6814556199 | 1198291.1399 | 2346903.82135562 | 0.4894161707880119 Avoirs à la BRH | 36779882.56923341 | 17306926.35936 | 54086808.92859341 | 0.680015761658097 | 35310268.276822045 | 16740548.85496 | 52050817.13178205 | 0.6783806714777147 Avoirs à l'étranger | 12220400.784237327 | 0 | 12220400.784237327 | 1 | 7380096.758453228 | 0 | 7380096.758453228 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 272662.75089612004 | 502065.95358 | 774728.70447612 | 0.3519461061927447 | 191812.53667814395 | 204020.67698 | 395833.21365814394 | 0.48457918653536813 50185411.02241138 | 20370059.66934 | 70555470.69175139 | 0.7112901456169938 | 44030790.253409036 | 18142860.67184 | 62173650.92524904 | 0.7081905211959799 Bons B.R.H. | 0 | 3400000 | 3400000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 1700000 | 1700000 | 0 | 0 | 25000.00004 | 25000.00004 | 0 Autres Placements | 17049771.598348707 | 11034980.326170001 | 28084751.92451871 | 0.6070828627638266 | 18779223.934887514 | 11437710.96995 | 30216934.90483751 | 0.6214801069012825 Portefeuille net | 25121699.78566 | 10840596.47964 | 35962296.2653 | 0.6985566105215566 | 26243425.823860005 | 12493357.080560002 | 38736782.90442 | 0.6774807781176257 Immobilisations | 0 | 2783113.95739 | 2783113.95739 | 0 | 0 | 2625048.9294 | 2625048.9294 | 0 Autres actifs | 232468.31793139604 | 2917704.64208 | 3150172.960011396 | 0.07379541405579047 | 414311.03651469 | 2720041.46621 | 3134352.5027246904 | 0.13218393149925853 | 17576738.97719 92589350.72435148 | 53046455.07462 | 145635805.79897147 | 0.6357595250453537 | 89467751.04867123 | 47444019.11799999 | 136911770.16667122 | 0.6534701212303118 | 17576738.97719 17576738.97719 PASSIF | 17576738.97719 Dépôts | 17576738.97719 À vue | 37265991.202780746 | 16148195.42561 | 53414186.628390744 | 0.6976796531985962 | 38885595.72390637 | 9935750.783629999 | 48821346.50753637 | 0.7964875716384379 Épargne | 32394050.306867667 | 14948765.79562 | 47342816.10248767 | 0.6842442628833288 | 29359712.913598955 | 13903834.19251 | 43263547.106108956 | 0.6786247286102268 À terme | 18183331.720572535 | 6353864.71541 | 24537196.435982533 | 0.7410517239821097 | 16991206.393953 | 6909003.84715 | 23900210.241103 | 0.7109228840477703 87843373.23022094 | 37450825.93664 | 125294199.16686094 | 0.7010968888769963 | 85236515.03145832 | 30748588.823289998 | 115985103.85474831 | 0.734891914553119 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 | 2310386.924568564 | 1696105.54553 | 4006492.4700985644 | 0.5766607429844305 | 1653579.279213789 | 1527342.4872 | 3180921.7664137892 | 0.5198428004968053 2310386.924568564 | 1696105.54553 | 4006492.4700985644 | 0.5766607429844305 | 1653579.279213789 | 1527342.4872 | 3180921.7664137892 | 0.5198428004968053 Obligations à terme Banques locales | 0 | 1632670.0277200001 | 1632670.0277200001 | 0 | 0 | 2690584.06942 | 2690584.06942 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 852201.276738864 | 308911.59941 | 1161112.8761488642 | 0.7339521369924115 | 741426.8826184379 | 238299.99919 | 979726.8818084379 | 0.7567689489644994 852201.276738864 | 1941581.6271300002 | 2793782.9038688643 | 0.30503489571746084 | 741426.8826184379 | 2928884.06861 | 3670310.951228438 | 0.20200655815559315 Autres passifs | 1546951.7457556322 | 101945.07121 | 1648896.8169656321 | 0.9381737716022743 | 1822687.7255987278 | 153161.66102 | 1975849.3866187278 | 0.9224831295050755 92552913.177284 | 41190458.18051 | 133743371.357794 | 0.6920186939933185 | 89454208.91888927 | 35357977.04012 | 124812185.95900926 | 0.7167105377696675 AVOIR DES ACTIONNAIRES Capital versé | 0 | 6403480.04 | 6403480.04 | 0 | 0 | 6404700 | 6404700 | 0 Réserves | 0 | 1360455.52707 | 1360455.52707 | 0 | 0 | 1395127.22788 | 1395127.22788 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 4128498.8750299998 | 4128498.8750299998 | 0 | 0 | 4299756.9795200005 | 4299756.9795200005 | 0 0 | 11892434.4421 | 11892434.4421 | 0 | 0 | 12099584.207400002 | 12099584.207400002 | 0 0 92552913.177284 | 53082892.62261 | 145635805.799894 | 0.6355093286911409 | 89454208.91888927 | 47457561.24752 | 136911770.16640925 | 0.6533712098686786 *Converties au taux de 97,9728 gdes | *Converties au taux de 93.3162 gdes #REF! [UNIBKRÉSULT ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2020 | 2019 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 | 1014328.3747 | -0.11761622539178691 | 895026.89996 | 0 | 0 | 0 | 0 | 878529.25035 | 0.06483251154962542 | 935486.5081200001 | 0.04843883639868296 | 980800.38604 | 0.13540862501718448 | 1113609.2177300001 Intérêts sur Bons B.R.H. | 7676 | 2.3368866505992707 | 25613.94193 | 0 | 0 | 0 | 0 | 10392.57213 | -0.7395736141020173 | 2706.5 | -0.9567707371143543 | 117 | -1 | 0 Autres | 115860.95079999999 | 0 | 162370.94041 | 0 | 0 | 0 | 0 | 0 | 99965.94513 | 0 | 112638.83009 | 0.18135346517429385 | 133066.27224000002 | -0.003834456180449136 | 132556.03545000002 1137865.3255 | -0.04820741257397617 | 1083011.7822999998 | 0 | 0 | 0 | 0 | 988887.76761 | 0.0626401424195085 | 1050831.8382100002 | 0.060096980100615795 | 1113983.65828 | 0.11865667320837507 | 1246165.2531800002 Dépenses d'intérêt | 349647.79222999996 | -0.23238232934859215 | 268395.82382 | 0 | 0 | 0 | 0 | 186470.29941000004 | 0.25445133750589916 | 233917.91650000002 | 0.2330914799764814 | 288442.18985 | 0.03060803145542338 | 297270.83747 788217.53327 | 0.0334912940853818 | 814615.9584799998 | 0 | 0 | 0 | 0 | 802417.4682 | 0.01806597448896382 | 816913.9217100001 | 0.010561145416570236 | 825541.4684300001 | 0.14942065540885607 | 948894.4157100002 AUTRES REVENUS Commissions | 338188.0932 | 0.10211559497328877 | 372722.37155000004 | 0 | 0 | 0 | 0 | 362006.65398999996 | -0.13643627009509143 | 312615.81637 | 0.18851291074873272 | 371547.93386000005 | 0.23346234578358516 | 458290.38607 Gains sur change | 162668.70687 | 0.25075827099676007 | 203459.23054999998 | 0 | 0 | 0 | 0 | 202956.77305999998 | 0.18925363653000543 | 241367.08042 | -0.654326165752111 | 83434.28414999999 | -0.3438528829278629 | 54745.16501 Autres | 26866.906360000008 | 23.694410270762553 | 663462.40836 | 0 | 0 | 0 | 0 | 600103.86144 | -0.07136301419097223 | 557278.64106 | 0.5069040325189598 | 839765.43145 | -0.5654095240859774 | 364954.05851 527723.70643 | 1.3490398391348992 | 1239644.01046 | 0 | 0 | 0 | 0 | 1165067.28849 | -0.046182526255402465 | 1111261.53785 | 0.16511514648927525 | 1294747.64946 | -0.3218836041477404 | 877989.60959 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 1315941.2397 | 0 | 2054259.9689399998 | 0 | 0 | 0 | 0 | 1967484.75669 | 0 | 1928175.45956 | 0.09963494627913147 | 2120289.1178900003 | 0 | 1826884.0253000003 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 55296.497 | 0 | 56028.28 | 0 | 0 | 0 | 0 | 17931 | 0 | 9950 | 1.1695768844221106 | 21587.29 | 0 | 178201.03 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1260644.7427 | 0.5850870758880607 | 1998231.6889399998 | 0 | 0 | 0 | 0 | 1949553.75669 | -0.016069470781451954 | 1918225.45956 | 0.09408506566866108 | 2098701.8278900003 | -0.2144272362131792 | 1648682.9953000003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 526265.97641 | 0.12979462353991159 | 594572.4707 | 0 | 0 | 0 | 0 | 420897.77718 | 0.11173349715716838 | 467926.15777 | 0.2465955498190316 | 583314.66592 | -0.10376165582008692 | 522788.97032 Frais de locaux | 66926.72067 | 0.06818069067659302 | 71489.83071000001 | 0 | 0 | 0 | 0 | 49924.581009999994 | 0.17089600408045563 | 58456.49240999999 | 0.04354286949253528 | 61001.85583 | 0.06504588206394565 | 64969.775349999996 Amortissement | 93841.5808 | 0.08685222084408868 | 101991.93049999999 | 0 | 0 | 0 | 0 | 87037.31184000001 | 0.007592833303662277 | 87698.17164 | 0.033132098944178234 | 90603.79614 | 0.02345488964630481 | 92728.89818 Autres dépenses d'exploitation | 441961.96491 | 0.15168933510749513 | 509002.88151 | 0 | 0 | 0 | 0 | 396418.49886 | 0.13685210217487687 | 450669.20377 | 0.1524263059586783 | 519363.04571 | 0.16346195204154745 | 604259.14298 1128996.24279 | 0.13114381166062036 | 1277057.1134199998 | 0 | 0 | 0 | 0 | 954278.1688899999 | 0.11576483702702652 | 1064750.02559 | 0.17800735708362694 | 1254283.3636 | 0.024287512785440307 | 1284746.78683 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 131648.49991 | 4.478031090464553 | 721174.57552 | 0 | 0 | 0 | 0 | 995275.5878000001 | -0.1424732562198588 | 853475.4339700001 | -0.01061186921089309 | 844418.4642900003 | -0.5690096511852056 | 363936.2084700002 Impôts sur le revenu | 36431.42268 | 0.5161380258235908 | 55235.065259999996 | 0 | 0 | 0 | 0 | 142268.18023 | -0.11815118540790517 | 125459.02609 | -0.6025519816786264 | 49863.4413 | -2.692871219459937 | -84412.38468 BÉNÉFICE NET (PERTE NETTE) | 95217.07723000001 | 5.993908336961457 | 665939.51026 | 0 | 0 | 0 | 0 | 853007.40757 | -0.14652979397455335 | 728016.4078800001 | 0.09139713664388714 | 794555.0229900003 | -0.43572366900052584 | 448348.5931500002 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 | 2019 | 2020 (oct.19 - mars 20) | 2019 (oct18. - mars 19) | 2019 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1014328.3747 | 0.15457552983682515 | 878529.25035 | 895026.89996 | -0.043249804041866735 | 935486.5081200001 | 0 | 0 | 980800.38604 | 0 | 0 | 1113609.2177300001 | 1909355.27466 | 0.05255715985092231 | 1814015.7584700002 | 3908425.36224 Intérêts sur Bons B.R.H. | 7676 | -0.261395552132675 | 10392.57213 | 25613.94193 | 8.463861788287456 | 2706.5 | 0 | 0 | 117 | 0 | 0 | 0 | 33289.94193 | 1.5413969477851863 | 13099.07213 | 13216.07213 Autres | 115860.95079999999 | 0.15900420537543514 | 99965.94513 | 162370.94041 | 0.44151834922524813 | 112638.83009 | 0 | 0 | 133066.27224000002 | 0 | 0 | 132556.03545000002 | 278231.89121000003 | 0.30868128865915706 | 212604.77522 | 478227.08291000006 1137865.3255 | 0.15065163385533373 | 988887.76761 | 1083011.7822999998 | 0.030623305194878152 | 1050831.8382100002 | 0 | 0 | 1113983.65828 | 0 | 0 | 1246165.2531800002 | 2220877.1078000003 | 0.08881490449133175 | 2039719.6058200002 | 4399868.51728 Dépenses d'intérêt | 349647.79222999996 | 0.8750857017782481 | 186470.29941000004 | 268395.82382 | 0.14739318747309366 | 233917.91650000002 | 0 | 0 | 288442.18985 | 0 | 0 | 297270.83747 | 618043.61605 | 0.4701735031086493 | 420388.21591 | 1006101.24323 788217.53327 | -0.017696442927462166 | 802417.4682 | 814615.9584799998 | -0.0028129808648506634 | 816913.9217100001 | 0 | 0 | 825541.4684300001 | 0 | 0 | 948894.4157100002 | 1602833.4917500005 | -0.010188092605872699 | 1619331.3899100001 | 3393767.27405 AUTRES REVENUS Commissions | 338188.0932 | -0.06579591984698138 | 362006.65398999996 | 372722.37155000004 | 0.19226971903705672 | 312615.81637 | 0 | 0 | 371547.93386000005 | 0 | 0 | 458290.38607 | 710910.46475 | 0.05379007664929349 | 674622.4703599999 | 1504460.79029 Gains sur change | 162668.70687 | -0.19850565015679297 | 202956.77305999998 | 203459.23054999998 | -0.15705476407154212 | 241367.08042 | 0 | 0 | 83434.28414999999 | 0 | 0 | 54745.16501 | 366127.93742 | -0.17598856205346577 | 444323.85348 | 582503.30264 Autres | 26866.906360000008 | -0.955229572601765 | 600103.86144 | 663462.40836 | 0.19053981164257028 | 557278.64106 | 0 | 0 | 839765.43145 | 0 | 0 | 364954.05851 | 690329.31472 | -0.40354263760782916 | 1157382.5025 | 2362101.99246 527723.70643 | -0.5470444397130376 | 1165067.28849 | 1239644.01046 | 0.11552858461959056 | 1111261.53785 | 0 | 0 | 1294747.64946 | 0 | 0 | 877989.60959 | 1767367.7168900003 | -0.2235885710186845 | 2276328.82634 | 4449066.08539 PRODUIT NET BANCAIRE | 1315941.2397 | -0.3311555603033616 | 1967484.75669 | 2054259.9689399998 | 0.06539057882666527 | 1928175.45956 | 0 | 0 | 2120289.1178900003 | 0 | 0 | 1826884.0253000003 | 3370201.208640001 | -0.1348831721560695 | 3895660.2162500005 | 7842833.35944 Dotation à la provision pour créances douteuses | 55296.497 | 2.0838490324019854 | 17931 | 56028.28 | 4.630982914572864 | 9950 | 0 | 0 | 21587.29 | 0 | 0 | 178201.03 | 111324.777 | 2.9928545245866363 | 27881 | 227669.32 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1260644.7427 | -0.35336753943099597 | 1949553.75669 | 1998231.6889399998 | 0.041708459754439604 | 1918225.45956 | 0 | 0 | 2098701.8278900003 | 0 | 0 | 1648682.9953000003 | 3258876.431640001 | -0.1574295611424171 | 3867779.2162500005 | 7615164.0394399995 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 526265.97641 | 0.25034154358325006 | 420897.77718 | 594572.4707 | 0.27065448431769545 | 467926.15777 | 0 | 0 | 583314.66592 | 0 | 0 | 522788.97032 | 1120838.44711 | 0.2610354008671604 | 888823.9349499999 | 1994927.57119 Frais de locaux | 66926.72067 | 0.34055648171778224 | 49924.581009999994 | 71489.83071000001 | 0.22295792584658125 | 58456.49240999999 | 0 | 0 | 61001.85583 | 0 | 0 | 64969.775349999996 | 138416.55138000002 | 0.2771284414540359 | 108381.07341999999 | 234352.7046 Amortissement | 93841.5808 | 0.07817646037262983 | 87037.31184000001 | 101991.93049999999 | 0.16298810559786475 | 87698.17164 | 0 | 0 | 90603.79614 | 0 | 0 | 92728.89818 | 195833.51129999998 | 0.12074266428212242 | 174735.48348 | 358068.1778 Autres dépenses d'exploitation | 441961.96491 | 0.11488733795464025 | 396418.49886 | 509002.88151 | 0.12943790534613647 | 450669.20377 | 0 | 0 | 519363.04571 | 0 | 0 | 604259.14298 | 950964.84642 | 0.12262855837416468 | 847087.70263 | 1970709.89132 1128996.24279 | 0.18308924965058068 | 954278.1688899999 | 1277057.1134199998 | 0.19939618006804566 | 1064750.02559 | 0 | 0 | 1254283.3636 | 0 | 0 | 1284746.78683 | 2406053.35621 | 0.19168883465229583 | 2019028.1944799998 | 4558058.3449099995 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 131648.49991 | -0.8677265859589689 | 995275.5878000001 | 721174.57552 | -0.15501425487385567 | 853475.4339700001 | 0 | 0 | 844418.4642900003 | 0 | 0 | 363936.2084700002 | 852823.0754300011 | -0.5387031215195731 | 1848751.0217700007 | 3057105.69453 Impôts sur le revenu | 36431.42268 | -0.7439243081544826 | 142268.18023 | 55235.065259999996 | -0.5597362184178262 | 125459.02609 | 0 | 0 | 49863.4413 | 0 | 0 | -84412.38468 | 91666.48793999999 | -0.6576123540076986 | 267727.20632 | 233178.26294 BÉNÉFICE NET (PERTE NETTE) | 95217.07723000001 | -0.88837485303762 | 853007.40757 | 665939.51026 | -0.08526854195603828 | 728016.4078800001 | 0 | 0 | 794555.0229900003 | 0 | 0 | 448348.5931500002 | 761156.5874900011 | -0.5185672852920586 | 1581023.8154500006 | 2823927.43159 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2020 | Var. | 2019 | 2019 | Var. | 2018 | Var. | 2017 | Var. | 2016 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1909355.27466 | 0.05255715985092231 | 1814015.7584700002 | 3908425.36224 | 0.29441753975659435 | 3019447.15843 | 0.05063079528702787 | 2873937.42119 | 0.0035663773643214943 | 2863724.2996699996 Intérêts sur Bons B.R.H. | 33289.94193 | 1.5413969477851863 | 13099.07213 | 13216.07213 | -0.869176271317123 | 101021.98021000001 | 1.5128063993615453 | 40202.85058 | 41.951763440170936 | 936 Autres | 278231.89121000003 | 0.30868128865915706 | 212604.77522 | 478227.08291000006 | 0.1942295273804352 | 400448.21531 | 0.4626234953371609 | 273787.62653999997 | 0.7150373506567091 | 159639.45417 2220877.1078000003 | 0.08881490449133175 | 2039719.6058200002 | 4399868.51728 | 0.2496369766657358 | 3520917.35395 | 0.10445325812309803 | 3187927.89831 | 0.05410447303123293 | 3024299.7538399994 Dépenses d'intérêt | 618043.61605 | 0.4701735031086493 | 420388.21591 | 1006101.24323 | 0.24527501139305916 | 807934.9814500002 | -0.2898761457632684 | 1137738.1236100001 | 0.1382716663825293 | 999531.26939 1602833.4917500005 | -0.010188092605872699 | 1619331.3899100001 | 3393767.27405 | 0.25093598412239615 | 2712982.3724999996 | 0.3232835350068921 | 2050189.7747 | 0.012555158994834854 | 2024768.4844499994 AUTRES REVENUS Commissions | 710910.46475 | 0.05379007664929349 | 674622.4703599999 | 1504460.79029 | 0.08422526640644101 | 1387590.60216 | -0.01013597471387617 | 1401799.2034399996 | 0.18993176289535219 | 1178050.0757700002 Gains sur change | 366127.93742 | -0.17598856205346577 | 444323.85348 | 582503.30264 | -0.28007427424160614 | 809115.83209 | 0.3886833193910182 | 582649.6370999999 | 0.41137369342600283 | 412824.49844 Autres | 690329.31472 | -0.40354263760782916 | 1157382.5025 | 2362101.99246 | 2.733194325313412 | 632729.45007 | -0.9297336562199601 | 9004729.94654 | 0.9974112207937909 | 4508200.340919999 1767367.7168900003 | -0.2235885710186845 | 2276328.82634 | 4449066.08539 | 0.5724215947233757 | 2829435.88432 | -0.7425252660693287 | 10989178.78708 | 0.8017779646908582 | 6099074.91513 PRODUIT NET BANCAIRE | 3370201.208640001 | -0.1348831721560695 | 3895660.2162500005 | 7842833.35944 | 0.41505620760203665 | 5542418.25682 | -0.5749473426906949 | 13039368.561779998 | 0.6050738450293283 | 8123843.399579999 Dotation à la provision pour créances douteuses | 111324.777 | 2.9928545245866363 | 27881 | 227669.32 | 4.293158188412536 | 43012 | 1.4688825177417069 | -91733 | -3.955656136297914 | 31036.425000000003 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3258876.431640001 | -0.1574295611424171 | 3867779.2162500005 | 7615164.0394399995 | 0.3847247655137638 | 5499406.25682 | -0.5811923142208548 | 13131101.561779998 | 0.6225645320623104 | 8092806.974579999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1120838.44711 | 0.2610354008671604 | 888823.9349499999 | 1994927.57119 | 0.2844284659266689 | 1553163.62422 | 0.0389360456254049 | 1494955.9511 | 0.22152040450430174 | 1223848.5297400001 Frais de locaux | 138416.55138000002 | 0.2771284414540359 | 108381.07341999999 | 234352.7046 | 0.22292876240578735 | 191632.34344 | 0.06673579108736004 | 179643.68031999998 | 0.4813720919124067 | 121268.43843 Amortissement | 195833.51129999998 | 0.12074266428212242 | 174735.48348 | 358068.1778 | -0.00365478314606498 | 359381.63976000005 | 0.20882922509812574 | 297297.2793 | 0.29697196845348317 | 229224.13632000002 Autres dépenses d'exploitation | 950964.84642 | 0.12262855837416468 | 847087.70263 | 1970709.89132 | 0.2451789510716503 | 1582672.02447 | 0.14112556354793526 | 1386939.41756 | 0.2710522389874787 | 1091174.2059199999 2406053.35621 | 0.19168883465229583 | 2019028.1944799998 | 4558058.3449099995 | 0.23630166673583294 | 3686849.6318900003 | 0.09765682860110365 | 3358836.32828 | 0.2601076854303851 | 2665515.3104100004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 852823.0754300011 | -0.5387031215195731 | 1848751.0217700007 | 3057105.69453 | 0.6866263114114103 | 1812556.6249299995 | -0.8145203203535214 | 9772265.233499998 | 0.8005786012966157 | 5427291.664169999 Impôts sur le revenu | 91666.48793999999 | -0.6576123540076986 | 267727.20632 | 233178.26294 | 2.728228115329484 | -134923.313 | 0.1158298934661977 | -152598.81781 | -1.9678975743392497 | 157660.0891 BÉNÉFICE NET (PERTE NETTE) | 761156.5874900011 | -0.5185672852920586 | 1581023.8154500006 | 2823927.43159 | 0.4500418600417458 | 1947479.9379299995 | -0.8037776711235709 | 9924864.05131 | 0.8834075798132365 | 5269631.575069998 [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 CLASSIFICATION DES PRÊTS SUFFISANCE DES FONDS PROPRES [posinette] Circulaire 81-3 - POSITION NETTE DE CHANGE DES BANQUES AU 31 mars 2016 Circulaire 81-5 - POSITION NETTE DE CHANGE DES BANQUES Trim 2 2020 | Trim 1 2020 Janvier1 | Nombre de jours de dépassement | Février1 | Nombre de jours de dépassement | Mars 1 | Nombre de jours de dépassement | Octobre1 | Nombre de jours de dépassement | Novembre1 | Nombre de jours de dépassement | Décembre 1 | Nombre de jours de dépassement BNC | 0.0038 | 0 | 0.0034 | 0 | 0.0013 | 0 | BNC | 0.0031 | 0 | 0.0013 | 6 | 0.0013 | 0 BPH | 0 | 0 | 0 | 0 | 0 | 0 | BPH | 0 | 0 | 0 | 0 | 0 | 0 BUH | 0.0035 | 4 | 0.0082 | 2 | 0.0666 | 2 | BUH | 0.0036 | 8 | 0.0026 | 1 | 0.0021 | 3 CAPITALBK | 0.0023 | 2 | 0.0036 | 0 | 0.0009 | 8 | CAPITALBK | 0.0093 | 29 | 0.011 | 14 | 0.0006 | 6 CBNA | 0.0006 | 3 | 0.002 | 1 | 0.0022 | 0 | CBNA | 0.0091 | 14 | 0.0068 | 7 | 0.0032 | 0 SCOTIA | 1 | 1 | 0 | SCOTIA | 1 | 1 | 0 SOGEBK | 0.0027 | 1 | 0.0027 | 0 | 0.0043 | 0 | SOGEBK | 0.0028 | 5 | 0.0008 | 1 | 0.0024 | 0 SOGEBL | 0.0045 | 3 | 0.001 | 0 | 0.0018 | 0 | SOGEBL | 0.0056 | 1 | 0.0005 | 1 | 0.0038 | 1 UNIBK | 0.0051 | 0 | 0.0056 | 2 | 0.0032 | 1 | UNIBK | 0.0025 | 0 | 0.0052 | 2 | 0.0025 | 6 1 Position de chaque banque le dernier jour du mois [Apparentés mars 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2020 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 | 45 | 71758000 | 0 | 0 | 0 | 0 | 45 | 71758000 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 12 | 305429000 | 5 | 1016339000 | 0 | 0 | 17 | 1321768000 | 0.23107610412719934 | 0.7689238958728006 | 0 | 1 CAPITALBK | 12 | 800580000 | 1 | 232966000 | 0 | 0 | 13 | 1033546000 | 0.7745954219744453 | 0.22540457802555475 | 0 | 1 SOGEBK | 22 | 1120718000 | 1 | 458450000 | 1 | 879880000 | 24 | 2459048000 | 0.4557527953907366 | 0.18643393703579597 | 0.35781326757346743 | 1 SOGEBL | 7 | 77566037.74 | 0 | 0 | 0 | 0 | 7 | 77566037.74 | 1 | 0 | - | 1 UNIBK | 7 | 969768000 | 0 | 0 | 0 | 0 | 7 | 969768000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 71758000 | 7365889000 | 0.009741933390524891 BPH | 0 | -34324000 | 0 BUH | 1321768000 | 2916854000 | 0.4531484949195263 CAPITALBK | 1033546000 | 4478959000 | 0.2307558519736394 SOGEBK | 2459048000 | 7668716000 | 0.3206596775783586 SOGEBL | 77566037.74 | 739885219.14 | 0.10483523083507236 UNIBK | 969768000 | 12185941000 | 0.07958088751619592 CBNA | 0 | 644459000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 décembre 2019 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 | 48 | 79520250 | 0 | 0 | 0 | 0 | 48 | 79520250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 9 | 384874000 | 4 | 758554000 | 0 | 0 | 13 | 1143428000 | 0.33659661998831586 | 0.6634033800116842 | 0 | 1 CAPITALBK | 4 | 1085566000 | 4 | 2164288000 | 0 | 0 | 8 | 3249854000 | 0.33403531358639493 | 0.6659646864136051 | 0 | 1 SOGEBK | 22 | 1095430000 | 1 | 463941000 | 1 | 740839000 | 24 | 2300210000 | 0.4762304311345486 | 0.20169506262471687 | 0.3220745062407345 | 1 SOGEBL | 7 | 77636300 | 0 | 0 | 0 | 0 | 7 | 77636300 | 1 | 0 | - | 1 UNIBK | 7 | 579852000 | 0 | 0 | 0 | 0 | 7 | 579852000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 79520250 | 6899714000 | 0.01152515162222666 BPH | 0 | -32213000 | 0 BUH | 1143428000 | 3058435000 | 0.37386048747153366 CAPITALBK | 3249854000 | 4279526000 | 0.7593957835517298 SOGEBK | 2300210000 | 6574807000 | 0.34985209451775545 SOGEBL | 77636300 | 609363210 | 0.12740562397917 UNIBK | 579852000 | 13137842000 | 0.0441360156409249 CBNA | 0 | 648552000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés sept 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 septembre 2019 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 | 53 | 98900750 | 0 | 0 | 0 | 0 | 53 | 98900750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 11 | 194403000 | 4 | 794336000 | 2 | 593953000 | 17 | 1582692000 | 0.12283059496099051 | 0.5018891862725028 | 0 | 0.6247197812334933 CAPITALBK | 9 | 324150000 | 4 | 924314000 | 0 | 0 | 13 | 1248464000 | 0.25963904445782976 | 0.7403609555421702 | 0 | 1 SOGEBK | 21 | 929659000 | 2 | 836366000 | 1 | 673312000 | 24 | 2439337000 | 0.3811113429591729 | 0.3428661148500597 | 0.2760225421907674 | 1 SOGEBL | 6 | 60471815 | 1 | 29977051 | 0 | 0 | 7 | 90448866 | 0.6685746065627843 | 0.33142539343721567 | - | 1 UNIBK | 7 | 644375000 | 0 | 0 | 0 | 0 | 7 | 644375000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 98900750 | 6427681000 | 0.015386692338963306 BPH | 0 | 0 | 0 BUH | 1582692000 | 2925143000 | 0.5410648299929268 CAPITALBK | 1248464000 | 3989303000 | 0.3129529143311501 SOGEBK | 2439337000 | 6328604000 | 0.38544630063754975 SOGEBL | 90448866 | 561101892 | 0.16119864732161696 UNIBK | 644375000 | 12884842000 | 0.05001031444545459 CBNA | 0 | 655443000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés juin 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2019 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 | 50 | 102680500 | 0 | 0 | 0 | 0 | 50 | 102680500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 12 | 347796000 | 5 | 1095816000 | 0 | 17 | 1443612000 | 0.24092069060107563 | 0.7590793093989243 | 0 | 1 CAPITALBK | 8 | 129107000 | 5 | 1053589000 | 0 | 0 | 13 | 1182696000 | 0.1091633014739206 | 0.8908366985260794 | 0 | 1 SOGEBK | 21 | 775032000 | 3 | 1331254000 | 1 | 743274000 | 25 | 2849560000 | 0.2719830429961117 | 0.46717879251533573 | 0.2608381644885526 | 1 SOGEBL | 7 | 84535918 | 0 | 0 | 0 | 0 | 7 | 84535918 | 1 | 0 | - | 1 UNIBK | 5 | 618493000 | 1 | 1024876000 | 0 | 0 | 6 | 1643369000 | 0.3763567403303823 | 0.6236432596696178 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 102680500 | 6234901000 | 0.016468665661251075 BPH | 0 | -44003000 | 0 BUH | 1443612000 | 2854787000 | 0.5056811593999833 CAPITALBK | 1182696000 | 3016888000 | 0.3920251597009899 SOGEBK | 2849560000 | 6215230000 | 0.4584802171440156 SOGEBL | 84535918 | 521203600 | 0.16219365714281328 UNIBK | 1643369000 | 12869869000 | 0.12769119872160314 CBNA | 0 | 656812000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2019 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 | 50 | 100504250 | 0 | 0 | 0 | 0 | 50 | 100504250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 417144000 | 4 | 894960000 | 0 | 14 | 1312104000 | 0.3179199209818734 | 0.6820800790181266 | 0 | 1 CAPITALBK | 9 | 165729250 | 4 | 732672620 | 0 | 0 | 13 | 898401870 | 0.1844711765793631 | 0.8155288234206369 | 0 | 1 SOGEBK | 21 | 665151000 | 3 | 1267321000 | 1 | 772658000 | 25 | 2705130000 | 0.24588504064499672 | 0.4684880209084221 | 0.2856269384465811 | 1 SOGEBL | 7 | 80822187 | 0 | 0 | 0 | 0 | 7 | 80822187 | 1 | 0 | - | 1 UNIBK | 7 | 1118513000 | 1 | 958458000 | 0 | 0 | 8 | 2076971000 | 0.5385308701951063 | 0.46146912980489374 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 100504250 | 6160626000 | 0.016313967119575185 BPH | 0 | -37246000 | 0 BUH | 1312104000 | 2871356000 | 0.45696319091049664 CAPITALBK | 898401870 | 2799583000 | 0.3209056027272633 SOGEBK | 2705130000 | 6001817000 | 0.4507185074120054 SOGEBL | 80822187 | 531942857 | 0.15193772401760064 UNIBK | 2076971000 | 11347220000 | 0.18303787183116216 CBNA | 0 | 651391000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2018 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 | 49 | 107945250 | 0 | 0 | 0 | 0 | 49 | 107945250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 126309000 | 5 | 846352000 | 0 | 13 | 972661000 | 0.12985922124974683 | 0.8701407787502532 | 0 | 1 CAPITALBK | 8 | 136282510 | 5 | 1022523030 | 0 | 0 | 13 | 1158805540 | 0.11760602214587272 | 0.8823939778541273 | 0 | 1 SOGEBK | 24 | 912151000 | 3 | 1275289000 | 0 | 0 | 27 | 2187440000 | 0.4169947518560509 | 0.583005248143949 | 0 | 1 SOGEBL | 6 | 61184091 | 0 | 0 | 0 | 0 | 6 | 61184091 | 1 | 0 | - | 1 UNIBK | 5 | 588130000 | 0 | 0 | 0 | 0 | 5 | 588130000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 107945250 | 5836408000 | 0.018495151469876677 BPH | 0 | -36539000 | 0 BUH | 972661000 | 2541564000 | 0.38270175372329795 CAPITALBK | 1158805540 | 2844242000 | 0.4074215696132748 SOGEBK | 2187440000 | 6351222000 | 0.3444124610980375 SOGEBL | 61184091 | 608108264 | 0.10061381274042347 UNIBK | 588130000 | 11347220000 | 0.05183031614791993 CBNA | 0 | 325679000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés sept 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2018 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 | 50 | 118856500 | 0 | 0 | 0 | 0 | 50 | 118856500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 9 | 84255000 | 6 | 1077839000 | 0 | 15 | 1162094000 | 0.07250274074214307 | 0.927497259257857 | 0 | 1 CAPITALBK | 10 | 309545410 | 3 | 507393590 | 0 | 0 | 13 | 816939000 | 0.3789088414190044 | 0.6210911585809956 | 0 | 1 SOGEBK | 24 | 718209000 | 3 | 1232600000 | 0 | 0 | 27 | 1950809000 | 0.3681595686712538 | 0.6318404313287461 | 0 | 1 SOGEBL | 5 | 47324012 | 1 | 42639346 | 0 | 0 | 6 | 89963358 | 0.5260365225584398 | 0.47396347744156014 | - | 1 UNIBK | 7 | 1385071000 | 0 | 0 | 0 | 0 | 7 | 1385071000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 118856500 | 5446416000 | 0.021822883158392602 BPH | 0 | 0 | 0 BUH | 1162094000 | 2535310000 | 0.458363671503682 CAPITALBK | 816939000 | 2634931000 | 0.31004189483519684 SOGEBK | 1950809000 | 5892961000 | 0.33104054141882155 SOGEBL | 89963358 | 539646851 | 0.16670783463906472 UNIBK | 1385071000 | 10839359000 | 0.1277816335818382 CBNA | 0 | 531640000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés juin 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2018 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 | 50 | 124974750 | 0 | 0 | 0 | 0 | 50 | 124974750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 84785000 | 6 | 834848000 | 0 | 16 | 919633000 | 0.09219438623885833 | 0.9078056137611417 | 0 | 1 CAPITALBK | 11 | 415331440 | 2 | 324115720 | 0 | 0 | 13 | 739447160 | 0.5616783219506855 | 0.43832167804931454 | 0 | 1 SOGEBK | 25 | 945958905.55 | 1 | 320930536.98 | 1 | 653489862.98 | 27 | 1920379305.51 | 0.4925896164553696 | 0.16711830629458366 | 0.34029207725004673 | 1 SOGEBL | 5 | 48225614.1 | 1 | 40878234.02 | 0 | 0 | 6 | 89103848.12 | 0.5412293084699606 | 0.4587706915300394 | - | 1 UNIBK | 8 | 894407000 | 1 | 705097000 | 0 | 0 | 9 | 1599504000 | 0.5591777200932289 | 0.4408222799067711 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 124974750 | 5108336000 | 0.02446486487967902 BPH | 0 | -44411179.12 | 0 BUH | 919633000 | 2031872000 | 0.4526038057515434 CAPITALBK | 739447160 | 2534410770 | 0.29176294890823873 SOGEBK | 1920379305.51 | 5696183472 | 0.3371343839168388 SOGEBL | 89103848.12 | 523750866.35 | 0.17012639757707965 UNIBK | 1599504000 | 13439818000 | 0.119012325910961 CBNA | 0 | 507809000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2018 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 | 52 | 3 | 1045426000 | 6 | 4469337000 | 2 | 3498367000 | 11 | 0.2727272727272727 | 0.5454545454545454 | 0.18181818181818182 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 8 | 858188000 | 5 | 1075711000 | 2 | 1076965000 | 15 | 0.5333333333333333 | 0.3333333333333333 | 0.13333333333333333 | 1 CAPITALBK | 10 | 6 | 1018505080 | 5 | 1676728270 | 0 | 0 | 11 | 0.5454545454545454 | 0.45454545454545453 | 0 | 1 SOGEBK | 26 | 13 | 4961236000 | 3 | 2731424000 | 0 | 0 | 16 | 0.8125 | 0.1875 | 0 | 1 SOGEBL | 5 | 7 | 249099193.67999998 | 1 | 53645057.79 | 0 | 0 | 8 | 0.875 | 0.125 | - | 1 UNIBK | 6 | 5 | 4781519000 | 3 | 4644359000 | 0 | 0 | 8 | 0.625 | 0.375 | - | 1 CBNA | 0 | 2 | 65962000 | 3 | 280270000 | 0 | 0 | 5 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 125261500 | 4989272000 | 0.025106167793617986 BPH | 0 | -45030000 | 0 BUH | 755161000 | 1496676000 | 0.5045587688985459 CAPITALBK | 745553350 | 2246991000 | 0.3318007726777722 SOGEBK | 1921436000 | 5479827000 | 0.35063807671300573 SOGEBL | 89003304.81 | 496930144.96 | 0.17910627019249206 UNIBK | 1647963000 | 13031372000 | 0.12646120454546153 CBNA | 0 | 598461000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU31 DECEMBRE 2017 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 | 53 | 137867750 | 0 | 0 | 0 | 0 | 53 | 137867750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 8009000 | 5 | 571705000 | 1 | 154658000 | 13 | 734372000 | 0.010905916892256241 | 0.7784950951288993 | 0.21059898797884452 | 1 CAPITALBK | 11 | 351935730 | 1 | 175808990 | 0 | 0 | 12 | 527744720 | 0.6668673634479944 | 0.3331326365520057 | 0 | 1 SOGEBK | 22 | 1136703572.7 | 0 | 0 | 1 | 627123442.71 | 23 | 1763827015.41 | 0.6444529779672153 | 0 | 0.3555470220327846 | 1 SOGEBL | 5 | 50405130.74 | 1 | 39112356.15 | 0 | 0 | 6 | 89517486.89 | 0.563075802183079 | 0.43692419781692104 | - | 1 UNIBK | 6 | 1468197000 | 0 | 0 | 0 | 0 | 6 | 1468197000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 137867750 | 4745132000 | 0.02905456581608267 BPH | 0 | -44045000 | 0 BUH | 734372000 | 1457229000 | 0.5039509919168504 CAPITALBK | 527744720 | 2481279050 | 0.2126905960053143 SOGEBK | 1763827015.41 | 5804910517.94 | 0.3038508535073738 SOGEBL | 89517486.89 | 590705431.33 | 0.15154336178769734 UNIBK | 1468197000 | 13031372000 | 0.11266634088874142 CBNA | 0 | 586280000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2017 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 | 55 | 152564250 | 0 | 0 | 0 | 0 | 55 | 152564250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 5 | 61109000 | 5 | 473144000 | 1 | 143693000 | 11 | 677946000 | 0.09013844760497149 | 0.6979080929749567 | 0.2119534594200718 | 1 CAPITALBK | 6 | 174107480 | 2 | 305552370 | 0 | 0 | 8 | 479659850 | 0.3629811417403395 | 0.6370188582596604 | 0 | 1 SOGEBK | 21 | 595360396 | 3 | 1258690221 | 0 | 0 | 24 | 1854050617 | 0.32111334531057195 | 0.678886654689428 | 0 | 1 SOGEBL | 5 | 54666094 | 1 | 38595477 | 0 | 0 | 6 | 93261571 | 0.5861588370626954 | 0.4138411629373046 | - | 1 UNIBK | 7 | 1509522000 | 0 | 0 | 0 | 0 | 7 | 1509522000 | 1 | 0 | - | 1 CBNA | 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 | 152564250 | 4266484000 | 0.03575877701639101 BPH | 0 | -46711000 | 0 BUH | 677946000 | 1389154000 | 0.4880279652219984 CAPITALBK | 479359850 | 2187573000 | 0.2191286187935214 SOGEBK | 1854050617 | 5289347398 | 0.3505254008653413 SOGEBL | 93261570 | 567604020 | 0.1643074515222778 UNIBK | 1509522000 | 16630099000 | 0.09077047587028797 CBNA | 0 | 576396000 | 0 [Apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2017 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 | 56 | 166714750 | 0 | 0 | 0 | 0 | 56 | 166714750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 65421000 | 5 | 550439000 | 1 | 158300000 | 13 | 774160000 | 0.08450578691743309 | 0.7110145189624884 | 0.20447969412007855 | 1 CAPITALBK | 10 | 254256300 | 2 | 270536830 | 0 | 0 | 12 | 524793130 | 0.4844886212591998 | 0.5155113787408002 | 0 | 1 SOGEBK | 20 | 514528628.20000005 | 3 | 978177082.98 | 0 | 0 | 23 | 1492705711.18 | 0.34469529013408784 | 0.6553047098659122 | 0 | 1 SOGEBL | 5 | 50024261.21 | 1 | 38479653.33 | 0 | 0 | 6 | 88503914.53999999 | 0.5652208884770986 | 0.4347791115229015 | - | 1 UNIBK | 9 | 1556542000 | 0 | 0 | 0 | 0 | 9 | 1556542000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 166714750 | 4026319000 | 0.04140624476103359 BPH | 0 | -41441000 | 0 BUH | 774160000 | 1341481000 | 0.577093525737599 CAPITALBK | 524793130 | 2098319000 | 0.25010169092497375 SOGEBK | 1492705711.18 | 5176367094 | 0.2883693687239099 SOGEBL | 88503914.53999999 | 543397152.06 | 0.16287150973185024 UNIBK | 1556542000 | 13370343000 | 0.11641750701533984 CBNA | 0 | 561718000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2017 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 | 55 | 163553000 | 0 | 0 | 0 | 0 | 55 | 163553000 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 47452000 | 4 | 401689000 | 1 | 163986000 | 11 | 613127000 | 0.0773934274628258 | 0.6551481177635302 | 0.26745845477364394 | 1 CAPITALBK | 9 | 163820860 | 2 | 282182060 | 0 | 0 | 11 | 446002920 | 0.36730894048855106 | 0.6326910595114489 | 0 | 1 SOGEBK | 19 | 741386568 | 2 | 734668772 | 0 | 0 | 21 | 1476055340 | 0.5022755908325226 | 0.4977244091674774 | 0 | 1 SOGEBL | 4 | 29039474 | 2 | 84622499 | 0 | 0 | 6 | 113661973 | 0.2554897934069823 | 0.7445102065930177 | - | 1 UNIBK | 9 | 1742645000 | 0 | 0 | 0 | 0 | 9 | 1742645000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 163553000 | 3820406000 | 0.04281037146313769 BPH | 0 | 2227000 | 0 BUH | 613127000 | 1286179000 | 0.47670425345150247 CAPITALBK | 446002920 | 1983799000 | 0.22482263576098183 SOGEBK | 1476055340 | 4835607082 | 0.3052471623458508 SOGEBL | 113661973 | 516772949 | 0.21994567095655002 UNIBK | 1742645000 | 12529639000 | 0.13908182031421656 CBNA | 0 | 549556000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2016 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 | 53 | 147718750 | 0 | 0 | 0 | 0 | 53 | 147718750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 3 | 1449000 | 3 | 264105000 | 2 | 273893000 | 8 | 539447000 | 0.0026860840824029053 | 0.4895847043361072 | 0.50772921158149 | 1 CAPITALBK | 35 | 224831880 | 1 | 153755320 | 0 | 0 | 36 | 378587200 | 0.5938707911942084 | 0.4061292088057916 | 0 | 1 SOGEBK | 18 | 711296441.6999999 | 3 | 862344092.96 | 0 | 0 | 21 | 1573640534.6599998 | 0.45200693934443065 | 0.5479930606555694 | 0 | 1 SOGEBL | 5 | 48599855.68 | 1 | 40075501.980000004 | 0 | 0 | 6 | 88675357.66 | 0.5480649524566011 | 0.45193504754339897 | - | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 65131000 | 0 | 0 | 0 | 0 | 2 | 65131000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 147718750 | 3950164000 | 0.03739559927132139 BPH | 0 | -5601000 | 0 BUH | 539447000 | 1190335000 | 0.45318922824246954 CAPITALBK | 378587200 | 1943218000 | 0.1948248729684472 SOGEBK | 1573640534.6599998 | 5147732725 | 0.3056958507223197 SOGEBL | 88675357.66 | 572092769.13 | 0.15500171029053816 UNIBK | 1467155000 | 9280136000 | 0.15809628220965727 CBNA | 0 | 562695000 | 0 SCOTIABK | 65131000 | 4928470000 | 0.01321525747341467 [Apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2016 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 | 51 | 129154750 | 0 | 0 | 0 | 0 | 51 | 129154750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 26804000 | 2 | 176899000 | 3 | 469930000 | 12 | 673633000 | 0.03979021217784758 | 0.26260441516374644 | 0.6976053726584059 | 1 CAPITALBK | 35 | 191746700 | 1 | 158930410 | 0 | 0 | 36 | 350677110 | 0.5467898945557068 | 0.4532101054442932 | 0 | 1 SOGEBK | 19 | 699022319.36 | 2 | 557723696.05 | 0 | 0 | 21 | 1256746015.4099998 | 0.5562160617887072 | 0.4437839382112929 | 0 | 1 SOGEBL | 4 | 39564295.89 | 1 | 38794443.550000004 | 0 | 0 | 5 | 78358739.44 | 0.5049123578652608 | 0.4950876421347393 | - | 1 UNIBK | 7 | 286789000 | 2 | 1096212000 | 0 | 0 | 9 | 1383001000 | 0.2073671674857791 | 0.7926328325142209 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 8628000 | 0 | 0 | 0 | 0 | 1 | 8628000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 129154750 | 3658023000 | 0.03530725476575735 BPH | 0 | -9375000 | 0 BUH | 673633000 | 1104228000 | 0.6100488304951514 CAPITALBK | 350677110 | 1851215000 | 0.18943078464684004 SOGEBK | 1256746015.4099998 | 5067415459 | 0.2480053245245467 SOGEBL | 78358739.44 | 572431847.0400001 | 0.13688745628879115 UNIBK | 1383001000 | 8300270000 | 0.16662120629810837 CBNA | 0 | 571732000 | 0 SCOTIABK | 8628000 | 468914000 | 0.018399962466465067 [Apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2016 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 | 51 | 135498500 | 0 | 0 | 0 | 0 | 51 | 135498500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 21539000 | 1 | 43625000 | 5 | 925796000 | 13 | 990960000 | 0.021735488818923066 | 0.04402296762735126 | 0.9342415435537257 | 1 CAPITALBK | 35 | 209574940 | 1 | 119382970 | 0 | 0 | 36 | 328957910 | 0.6370874012423048 | 0.36291259875769516 | 0 | 1 SOGEBK | 21 | 745642383 | 2 | 597134500 | 0 | 0 | 23 | 1342776883 | 0.5552987934481741 | 0.44470120655182593 | 0 | 1 SOGEBL | 3 | 35639081 | 1 | 38994967 | 0 | 0 | 4 | 74634048 | 0.4775177275658423 | 0.5224822724341577 | - | 1 UNIBK | 8 | 238119000 | 2 | 1081740000 | 0 | 0 | 10 | 1319859000 | 0.18041245314840448 | 0.8195875468515955 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 9783000 | 0 | 0 | 0 | 0 | 1 | 9783000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 135498500 | 3525332000 | 0.03843567073966367 BPH | 0 | -3758000 | 0 BUH | 990960000 | 753949000 | 1.3143594593268244 CAPITALBK | 328957910 | 1775420000 | 0.18528455802007412 SOGEBK | 1342776883 | 4764211494 | 0.28184661505709385 SOGEBL | 74634048 | 535941700 | 0.13925777374665937 UNIBK | 1319859000 | 8300270000 | 0.15901398388245203 CBNA | 0 | 574144000 | 0 SCOTIABK | 9783000 | 457663000 | 0.021375990630660553 [Apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2016 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 | 48 | 124438750 | 0 | 0 | 0 | 0 | 48 | 124438750 | 1 | 0 | 0 | 1 BPH | 1 | 513000 | 1 | 890000 | 0 | 0 | 2 | 1403000 | 0.36564504632929434 | 0.6343549536707056 | 0 | 1 BUH | 8 | 37799000 | 2 | 94873000 | 3 | 661374000 | 13 | 794046000 | 0.04760303559239641 | 0.11948048349843712 | 0.8329164809091665 | 1 CAPITALBK | 35 | 252982390 | 1 | 125497560 | 0 | 0 | 36 | 378479950 | 0.6684168870768451 | 0.33158311292315484 | 0 | 1 SOGEBK | 20 | 773038480 | 2 | 561079405 | 0 | 0 | 22 | 1334117885 | 0.579437910766034 | 0.420562089233966 | 0 | 1 SOGEBL | 3 | 28557370 | 2 | 64467678 | 0 | 0 | 5 | 93025048 | 0.3069858131113246 | 0.6930141868886754 | - | 1 UNIBK | 7 | 292615000 | 2 | 1109454000 | 0 | 0 | 9 | 1402069000 | 0.20870228212734182 | 0.7912977178726582 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 9479000 | 0 | 0 | 0 | 0 | 2 | 9479000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 124438750 | 3339833000 | 0.03725897372712947 BPH | 1403000 | 14536000 | 0.09651898734177215 BUH | 794046000 | 709303000 | 1.119473624107046 CAPITALBK | 378479950 | 1371419000 | 0.27597688963037553 SOGEBK | 1334117885 | 4508100610 | 0.2959379127521291 SOGEBL | 93025048 | 506768165 | 0.18356529558244844 UNIBK | 1402069000 | 7895160000 | 0.1775858880630665 CBNA | 0 | 633552000 | 0 SCOTIABK | 9479000 | 440234000 | 0.02153173085222859 [Apparentés décembre 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2015 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 | 47 | 111677500 | 0 | 0 | 0 | 0 | 47 | 111677500 | 1 | 0 | 0 | 1 BPH | 1 | 658000 | 0 | 0 | 0 | 0 | 1 | 658000 | 1 | 0 | 0 | 1 BUH | 5 | 30488000 | 2 | 101673000 | 2 | 310074000 | 9 | 442235000 | 0.06894072156206542 | 0.22990717604893326 | 0.7011521023890013 | 1 CAPITALBK | 35 | 190107920 | 1 | 120225730 | 0 | 0 | 36 | 310333650 | 0.6125920279673184 | 0.3874079720326816 | 0 | 1 SOGEBK | 19 | 976916854 | 1 | 305790927 | 0 | 0 | 20 | 1282707781 | 0.7616051515945392 | 0.2383948484054608 | 0 | 1 SOGEBL | 7 | 253504073 | 1 | 169656588 | 0 | 0 | 8 | 423160661 | 0.5990728731752312 | 0.40092712682476883 | - | 1 UNIBK | 6 | 149242000 | 2 | 1072817000 | 0 | 0 | 8 | 1222059000 | 0.12212339993404574 | 0.8778766000659542 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 10663000 | 0 | 0 | 0 | 0 | 2 | 10663000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 111677500 | 3024880000 | 0.036919646399196 BPH | 658000 | 55895000 | 0.011772072636192862 BUH | 442235000 | 666093000 | 0.6639238064354377 CAPITALBK | 310333650 | 1401795000 | 0.22138304816324783 SOGEBK | 1282707781 | 4460283138 | 0.28758438451402185 SOGEBL | 423160661 | 534803669 | 0.7912448727048654 UNIBK | 1222059000 | 7895160000 | 0.15478584347878954 CBNA | 0 | 648908000 | 0 SCOTIABK | 10663000 | 366551000 | 0.029090085690667875 [Apparentés septembre 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2015 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 | 59172500 | 0 | 0 | 0 | 0 | 41 | 59172500 | 1 | 0 | 0 | 1 BPH | 2 | 2117000 | 0 | 0 | 0 | 0 | 2 | 2117000 | 1 | 0 | 0 | 1 BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0.33074705818532624 | 0.13718694194955883 | 0.5320659998651149 | 1 CAPITALBK | 36 | 166682770 | 1 | 93256350 | 0 | 0 | 37 | 259939120 | 0.641237725202732 | 0.3587622747972679 | 0 | 1 SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1 SOGEBL | 2 | 26789144 | 3 | 95027845 | 0 | 0 | 5 | 121816989 | 0.21991303692459513 | 0.7800869630754048 | - | 1 UNIBK | 7 | 158137000 | 2 | 1050193000 | 0 | 0 | 9 | 1208330000 | 0.13087236102720284 | 0.8691276389727972 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 9322000 | 0 | 0 | 0 | 0 | 1 | 9322000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 59172500 | 2757312000 | 0.02146021197456073 BPH | 2117000 | 68029380 | 0.031118907742507723 BUH | 341031000 | 583323000 | 0.5846349278187214 CAPITALBK | 259939120 | 1286648000 | 0.20202815377632422 SOGEBK | 1526220033 | 4260714061 | 0.3582075706441076 SOGEBL | 121816989 | 509363626 | 0.23915525723071557 UNIBK | 1208330000 | 6069313000 | 0.19908843060161835 CBNA | 0 | 625499000 | 0 SCOTIABK | 9322000 | 359538000 | 0.02592771834965984 [Apparentés juin 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2015 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 | 56685250 | 0 | 0 | 0 | 0 | 38 | 56685250 | 1 | 0 | 0 | 1 BPH | 2 | 2130000 | 0 | 0 | 0 | 0 | 2 | 2130000 | 1 | 0 | 0 | 1 BUH | 7 | 59697000 | 2 | 53303000 | 4 | 382738000 | 13 | 495738000 | 0.12042046403543807 | 0.1075225219773348 | 0.7720570139872271 | 1 CAPITALBK | 34 | 143151530 | 1 | 73481940 | 0 | 0 | 35 | 216633470 | 0.6608006140510051 | 0.33919938594899485 | 0 | 1 SOGEBK | 17 | 743554354 | 3 | 882844708 | 0 | 0 | 20 | 1626399062 | 0.4571782973642664 | 0.5428217026357336 | 0 | 1 SOGEBL | 4 | 34994327 | 2 | 56689915 | 0 | 0 | 6 | 91684242 | 0.38168311409500444 | 0.6183168859049956 | - | 1 UNIBK | 6 | 131754000 | 2 | 976810000 | 0 | 0 | 8 | 1108564000 | 0.11885105415654847 | 0.8811489458434515 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 2593000 | 0 | 0 | 1 | 117901000 | 2 | 120494000 | 0.02151974372167909 | 0 | 0.9784802562783209 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 56685250 | 2590220000 | 0.021884338009898772 BPH | 2130000 | 83507000 | 0.025506843737650737 BUH | 495738000 | 450430000 | 1.1005883267100327 CAPITALBK | 216633470 | 1067618000 | 0.20291290517769464 SOGEBK | 1626399062 | 3893953602 | 0.41767294329461296 SOGEBL | 91684242 | 456907834 | 0.20066244257042 UNIBK | 1108564000 | 6067523000 | 0.1827045402217676 CBNA | 0 | 561408000 | 0 SCOTIABK | 120494000 | 347180000 | 0.3470649230946483 [Apparentés mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2015 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 | 56685250 | 0 | 0 | 0 | 0 | 38 | 56685250 | 1 | 0 | 0 | 1 BPH | 2 | 2130000 | 0 | 0 | 0 | 0 | 2 | 2130000 | 1 | 0 | 0 | 1 BUH | 7 | 59697000 | 2 | 53303000 | 4 | 382738000 | 13 | 495738000 | 0.12042046403543807 | 0.1075225219773348 | 0.7720570139872271 | 1 CAPITALBK | 34 | 143151530 | 1 | 73481940 | 0 | 0 | 35 | 216633470 | 0.6608006140510051 | 0.33919938594899485 | 0 | 1 SOGEBK | 17 | 743554354 | 3 | 882844708 | 0 | 0 | 20 | 1626399062 | 0.4571782973642664 | 0.5428217026357336 | 0 | 1 SOGEBL | 4 | 34994327 | 2 | 56689915 | 0 | 0 | 6 | 91684242 | 0.38168311409500444 | 0.6183168859049956 | - | 1 UNIBK | 6 | 131754000 | 2 | 976810000 | 0 | 0 | 8 | 1108564000 | 0.11885105415654847 | 0.8811489458434515 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 2593000 | 0 | 0 | 1 | 117901000 | 2 | 120494000 | 0.02151974372167909 | 0 | 0.9784802562783209 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 56685250 | 2590220000 | 0.021884338009898772 BPH | 2130000 | 83507000 | 0.025506843737650737 BUH | 495738000 | 450430000 | 1.1005883267100327 CAPITALBK | 216633470 | 1067618000 | 0.20291290517769464 SOGEBK | 1626399062 | 3893953602 | 0.41767294329461296 SOGEBL | 91684242 | 456907834 | 0.20066244257042 UNIBK | 1108564000 | 6067523000 | 0.1827045402217676 CBNA | 0 | 561408000 | 0 SCOTIABK | 120494000 | 347180000 | 0.3470649230946483 [Apparentés déc. 14] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 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 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 [Non apparentés mars 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2020 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 | 3643481000 | 3 | 2972025000 | 2 | 3699378000 | 11 | 10314884000 | 0.3532255912911866 | 0.2881297550219663 | 0.35864465368684706 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 1326979000 | 5 | 1756663000 | 3 | 2914758000 | 14 | 5998400000 | 0.22122215924246466 | 0.2928552614030408 | 0.4859225793544945 | 1 CAPITALBK | 3 | 879417000 | 3 | 1563202000 | 0 | 0 | 6 | 2442619000 | 0.36003036085447626 | 0.6399696391455237 | 0 | 1 SOGEBK | 15 | 7472477000 | 3 | 3292503000 | 1 | 1728974000 | 19 | 12493954000 | 0.5980874429343985 | 0.26352770307942547 | 0.13838485398617603 | 1 SOGEBL | 6 | 264044249 | 0 | 0 | 0 | 0 | 6 | 264044249 | 1 | 0 | 0 | 1 UNIBK | 6 | 5910469000 | 7 | 13451143000 | 0 | 0 | 13 | 19361612000 | 0.3052674023216662 | 0.6947325976783338 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2019 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 | 3 | 1495603000 | 7 | 6744772650 | 2 | 3485466000 | 12 | 11725841650 | 0.12754760337395482 | 0.5752058446056194 | 0.29724655202042577 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 1567348000 | 6 | 2370348000 | 2 | 2228181000 | 15 | 6165877000 | 0.25419709150863695 | 0.3844299845747815 | 0.36137292391658155 | 1 CAPITALBK | 4 | 1085566000 | 4 | 2164288000 | 0 | 0 | 8 | 3249854000 | 0.33403531358639493 | 0.6659646864136051 | 0 | 1 SOGEBK | 11 | 5086914000 | 6 | 5584852000 | 0 | 0 | 17 | 10671766000 | 0.47667030930026016 | 0.5233296906997399 | 0 | 1 SOGEBL | 8 | 292177410 | 1 | 63743409 | 0 | 0 | 9 | 355920819 | 0.8209056464325567 | 0.17909435356744333 | 0 | 1 UNIBK | 6 | 5445618000 | 5 | 8593430000 | 0 | 0 | 11 | 14039048000 | 0.3878908313441196 | 0.6121091686558804 | 0 | 1 CBNA | 0 | 0 | 5 | 610735000 | 0 | 0 | 5 | 610735000 | 0 | 1 | 0 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2019 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 | 1778988000 | 4 | 3160231000 | 4 | 6338804000 | 12 | 11278023000 | 0.15773934846559542 | 0.2802114342203416 | 0.562049217314063 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 858622000 | 8 | 3278829000 | 2 | 1931115000 | 14 | 6068566000 | 0.1414868026482698 | 0.5402971641076326 | 0.31821603324409753 | 1 CAPITALBK | 4 | 1250061000 | 3 | 1551126000 | 0 | 0 | 7 | 2801187000 | 0.4462611742807603 | 0.5537388257192397 | 0 | 1 SOGEBK | 15 | 6100050000 | 7 | 6532509000 | 0 | 0 | 22 | 12632559000 | 0.48288315930287756 | 0.5171168406971224 | 0 | 1 SOGEBL | 9 | 330244072 | 1 | 64646181 | 0 | 0 | 10 | 394890253 | 0.8362932979254871 | 0.16370670207451285 | 0 | 1 UNIBK | 8 | 6338253000 | 6 | 9640230000 | 0 | 0 | 14 | 16046791000 | 0.3949857015025621 | 0.6007574972466457 | 0 | 0.9957431987492078 CBNA | 1 | 58988000 | 3 | 354295000 | 1 | 131089000 | 5 | 544372000 | 0.10835972460008965 | 0.6508325189392548 | 0.24080775646065558 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés juin 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2019 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 | 2157550500 | 4 | 3141804500 | 2 | 3081464000 | 11 | 8380819000 | 0.25743909992567554 | 0.3748803667040178 | 0.36768053337030665 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 862208000 | 9 | 3545039000 | 2 | 1650131000 | 15 | 6057378000 | 0.1423401346259058 | 0.5852431530606147 | 0.2724167123134795 | 1 CAPITALBK | 5 | 1108285000 | 5 | 2205359000 | 0 | 0 | 10 | 3313644000 | 0.3344610947947335 | 0.6655389052052665 | 0 | 1 SOGEBK | 10 | 3947699000 | 6 | 5477429000 | 0 | 0 | 16 | 9425128000 | 0.4188483169671542 | 0.5811516830328458 | 0 | 1 SOGEBL | 10 | 358757824 | 1 | 64701520 | 0 | 0 | 11 | 423459344 | 0.8472072445282964 | 0.15279275547170357 | 0 | 1 UNIBK | 7 | 5695571000 | 6 | 10165373000 | 0 | 0 | 13 | 15860944000 | 0.3590940740979856 | 0.6409059259020145 | 0 | 1 CBNA | 1 | 62017000 | 3 | 232077000 | 1 | 689247000 | 5 | 983341000 | 0.06306764387938671 | 0.23600866840699208 | 0.7009236877136212 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 19] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2019 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 | 1816887000 | 5 | 3868335000 | 2 | 2907709000 | 11 | 8592931000 | 0.21143972877240605 | 0.45017642990499984 | 0.33838384132259414 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 1302086000 | 7 | 2277400000 | 2 | 1435332000 | 15 | 5014818000 | 0.2596477080524159 | 0.4541341280979689 | 0.2862181638496153 | 1 CAPITALBK | 5 | 1043449140 | 5 | 1957685880 | 0 | 0 | 10 | 3001135020 | 0.34768483691880014 | 0.6523151630811999 | 0 | 1 SOGEBK | 9 | 3369781000 | 6 | 5312162000 | 0 | 0 | 15 | 8681943000 | 0.38813673390852715 | 0.6118632660914728 | 0 | 1 SOGEBL | 8 | 282606475 | 1 | 60292477 | 0 | 0 | 9 | 342898952 | 0.8241683835767454 | 0.17583161642325462 | 0 | 1 UNIBK | 7 | 6038338000 | 5 | 8845267000 | 0 | 0 | 12 | 14883605000 | 0.4057039944287691 | 0.5942960055712309 | 0 | 1 CBNA | 2 | 82193000 | 4 | 360190000 | 0 | 0 | 6 | 442383000 | 0.18579601838226154 | 0.8142039816177384 | 0 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc.18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2018 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 | 3 | 1114446000 | 6 | 4446865000 | 2 | 2861005000 | 11 | 8422316000 | 0.13232061110031967 | 0.5279860076492024 | 0.3396933812504779 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 1428535000 | 8 | 2597717000 | 1 | 752829000 | 16 | 4779081000 | 0.29891416362267137 | 0.5435599438469446 | 0.157525892530384 | 1 CAPITALBK | 3 | 650164950 | 5 | 1992366520 | 0 | 0 | 8 | 2642531470 | 0.2460386782073025 | 0.7539613217926975 | 0 | 1 SOGEBK | 12 | 4995996000 | 4 | 3625890000 | 0 | 0 | 16 | 8621886000 | 0.5794551215360537 | 0.4205448784639463 | 0 | 1 SOGEBL | 8 | 310197844 | 0 | 0 | 0 | 0 | 8 | 310197844 | 1 | 0 | 0 | 1 UNIBK | 4 | 2637962000 | 7 | 11258783000 | 0 | 0 | 11 | 13896745000 | 0.18982589088308088 | 0.8101741091169191 | 0 | 1 CBNA | 2 | 72503000 | 4 | 386723000 | 0 | 0 | 6 | 459226000 | 0.15788086911455362 | 0.8421191308854464 | 0 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2018 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 | 3 | 1115609000 | 7 | 5023168000 | 2 | 2784112000 | 12 | 8922889000 | 0.12502777967987722 | 0.5629530973656626 | 0.31201912295446016 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 5 | 1014134000 | 6 | 1832927000 | 1 | 739181000 | 12 | 3586242000 | 0.28278459735846045 | 0.5110996413515876 | 0.206115761289952 | 1 CAPITALBK | 4 | 825288600 | 5 | 1895168230 | 0 | 0 | 9 | 2720456830 | 0.30336397582166374 | 0.6966360241783363 | 0 | 1 SOGEBK | 13 | 4721639000 | 5 | 4010170000 | 0 | 0 | 18 | 8731809000 | 0.5407400688677455 | 0.4592599311322545 | 0 | 1 SOGEBL | 7 | 245354778 | 1 | 55135888 | 0 | 0 | 8 | 300490666 | 0.8165138081194175 | 0.1834861918805824 | 0 | 1 UNIBK | 10 | 12081696000 | 0 | 0 | 0 | 0 | 10 | 12081696000 | 1 | 0 | 0 | 1 CBNA | 1 | 26881000 | 5 | 445392000 | 1 | 106328000 | 7 | 578601000 | 0.04645861310298461 | 0.7697739893294343 | 0.18376739756758112 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés juin 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2018 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 | 680201000 | 7 | 4914939000 | 2 | 2769595000 | 11 | 8364735000 | 0.08131769864795478 | 0.5875785664459184 | 0.3311037349061267 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 815193000 | 6 | 1664694000 | 1 | 736271000 | 13 | 3216158000 | 0.2534679577309324 | 0.5176033018278331 | 0.22892874044123454 | 1 CAPITALBK | 3 | 571957550 | 5 | 1725597730 | 0 | 0 | 8 | 2297555280 | 0.2489418013045588 | 0.7510581986954412 | 0 | 1 SOGEBK | 13 | 5103768692.749999 | 2 | 1642143063.71 | 1 | 1238780228 | 16 | 7984691984.459999 | 0.6391941859101237 | 0.20566141648368888 | 0.15514439760618745 | 1 SOGEBL | 6 | 208059865.17 | 1 | 54029353.190000005 | 0 | 0 | 7 | 262089218.35999998 | 0.7938512941200562 | 0.2061487058799438 | 0 | 1 UNIBK | 5 | 5112220000 | 4 | 6240759000 | 0 | 0 | 9 | 11352979000 | 0.45029767076993626 | 0.5497023292300638 | 0 | 1 CBNA | 0 | 0 | 3 | 232620000 | 2 | 203124000 | 5 | 435744000 | 0 | 0.5338455606961886 | 0.4661544393038114 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2018 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 | 3 | 1045426000 | 6 | 4469337000 | 2 | 3498367000 | 11 | 9013130000 | 0.11598922904695705 | 0.49586958137739057 | 0.3881411895756524 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 858188000 | 5 | 1075711000 | 2 | 1076965000 | 15 | 3010864000 | 0.285030476301819 | 0.3572765159768093 | 0.3576930077213717 | 1 CAPITALBK | 6 | 1018505080 | 5 | 1676728270 | 0 | 0 | 11 | 2695233350 | 0.377891242700748 | 0.6221087572992521 | 0 | 1 SOGEBK | 13 | 4961236000 | 3 | 2731424000 | 0 | 0 | 16 | 7692660000 | 0.6449311421536894 | 0.35506885784631065 | 0 | 1 SOGEBL | 7 | 249099193.67999998 | 1 | 53645057.79 | 0 | 0 | 8 | 302744251.46999997 | 0.8228040415977448 | 0.1771959584022552 | 0 | 1 UNIBK | 5 | 4781519000 | 3 | 4644359000 | 0 | 0 | 8 | 9425878000 | 0.5072757147928288 | 0.49272428520717115 | 0 | 1 CBNA | 2 | 65962000 | 3 | 280270000 | 0 | 0 | 5 | 346232000 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2017 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 | 3 | 1056653000 | 7 | 5114509000 | 1 | 1425996000 | 11 | 7597158000 | 0.13908530005562605 | 0.6732134569269193 | 0.1877012430174547 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 832874000 | 5 | 1120713000 | 3 | 1307314000 | 16 | 3260901000 | 0.25541223115942496 | 0.3436820069054534 | 0.4009057619351216 | 1 CAPITALBK | 5 | 868935680 | 4 | 1492921740 | 0 | 0 | 9 | 2361857420 | 0.3679035290792448 | 0.6320964709207553 | 0 | 1 SOGEBK | 13 | 5115263701.09 | 3 | 2570954947.29 | 0 | 0 | 16 | 7686218648.38 | 0.6655110835505738 | 0.33448891644942624 | 0 | 1 SOGEBL | 7 | 274934541.44 | 0 | 0 | 0 | 0 | 7 | 274934541.44 | 1 | 0 | 0 | 1 UNIBK | 4 | 3708081000 | 3 | 4514574000 | 0 | 0 | 7 | 8222655000 | 0.45095908803178536 | 0.5490409119682147 | 0 | 1 CBNA | 0 | 0 | 4 | 392599000 | 2 | 234512000 | 6 | 627111000 | 0 | 0 | 0.37395612578953324 | 0.37395612578953324 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2017 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 | 1 | 320369000 | 6 | 3669300000 | 3 | 3362537000 | 10 | 7352206000 | 0.04357454075688304 | 0.4990746994847533 | 0.4573507597583637 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 577973000 | 7 | 1285049000 | 3 | 1272468000 | 16 | 3135490000 | 0.18433259235398614 | 0.40983992932524105 | 0.4058274783207728 | 1 CAPITALBK | 4 | 572627300 | 5 | 1582548240 | 0 | 0 | 9 | 2155175540 | 0.2656986817881202 | 0.7343013182118798 | 0 | 1 SOGEBK | 10 | 3558718351 | 3 | 2105115830 | 1 | 1074335019 | 14 | 6738169200 | 0.5281432159643602 | 0.3124165878767188 | 0.15944019615892102 | 1 SOGEBL | 7 | 271337489 | 0 | 0 | 0 | 0 | 7 | 271337489 | 1 | 0 | 0 | 1 UNIBK | 4 | 4593110000 | 1 | 1685502000 | 0 | 0 | 5 | 6278612000 | 0.7315486289007825 | 0.26845137109921746 | 0 | 1 CBNA | 1 | 40623000 | 4 | 408402000 | 0 | 0 | 5 | 449025000 | 0.09046935025889427 | 0.9095306497411058 | 0 | 1 [Non apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2017 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 | 454025000 | 5 | 2837413500 | 3 | 3371018000 | 10 | 6662456500 | 0.0681467863992808 | 0.42588097948556963 | 0.5059722341151496 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 550073000 | 6 | 1009142000 | 3 | 1199664000 | 15 | 2758879000 | 0.19938279279373977 | 0.36577972430106576 | 0.4348374829051945 | 1 CAPITALBK | 5 | 711931850 | 3 | 839336020 | 0 | 0 | 8 | 1551267870 | 0.4589354706353842 | 0.5410645293646158 | 0 | 1 SOGEBK | 12 | 4216569227.7999997 | 3 | 2232194985.83 | 1 | 1047560480.67 | 16 | 7496324694.299999 | 0.5624848708869513 | 0.2977719184879092 | 0.13974321062513959 | 1 SOGEBL | 8 | 303211655.82000005 | 0 | 0 | 0 | 0 | 8 | 303211655.82000005 | 1 | 0 | 0 | 1 UNIBK | 6 | 6325622000 | 1 | 1685502000 | 0 | 0 | 7 | 8011124000 | 0.7896048045193159 | 0.2103951954806841 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 3 | 337032000 | 3 | 337032000 | 0 | 0 | 1 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2017 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 | 478322500 | 5 | 2793614000 | 3 | 3683647000 | 10 | 6955583500 | 0.0687681342622082 | 0.40163618192492406 | 0.5295956838128677 | 1 BPH | 34 | 5340000 | 31 | 9793000 | 206 | 918277000 | 271 | 933410000 | 0.005720958635540652 | 0.010491638186863222 | 0.9837874031775962 | 1 BUH | 7 | 602774000 | 6 | 1221958000 | 2 | 840903000 | 15 | 2665635000 | 0.2261277331667689 | 0.45841159798697123 | 0.3154606688462599 | 1 CAPITALBK | 6 | 955477130 | 5 | 1335216710 | 0 | 0 | 11 | 2290693840 | 0.4171125417615826 | 0.5828874582384174 | 0 | 1 SOGEBK | 14 | 4614566512 | 2 | 1567495336 | 2 | 2020358013 | 18 | 8202419861 | 0.5625859917194502 | 0.1911015727752442 | 0.24631243550530557 | 1 SOGEBL | 6 | 225565628 | 2 | 138380347 | 0 | 0 | 8 | 363945975 | 0.6197777788310477 | 0.3802222211689523 | 0 | 1 UNIBK | 7 | 3873522000 | 3 | 4370137000 | 0 | 0 | 10 | 8243659000 | 0.46987897000591605 | 0.530121029994084 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2016 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 | 466480000 | 3 | 1568528000 | 3 | 3785905000 | 8 | 5820913000 | 0.08013863117349461 | 0.26946425758295994 | 0.6503971112435455 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 393381000 | 2 | 351447000 | 3 | 983322000 | 9 | 1728150000 | 0.22763128200677024 | 0.20336602725457859 | 0.5690026907386512 | 1 CAPITALBK | 6 | 904143070 | 5 | 1254438780 | 0 | 0 | 11 | 2158581850 | 0.4188597573911779 | 0.5811402426088221 | 0 | 1 SOGEBK | 11 | 3771563052.0900006 | 6 | 4529791118.53 | 0 | 0 | 17 | 8301354170.620001 | 0.4543310614837091 | 0.5456689385162908 | 0 | 1 SOGEBL | 7 | 284435888.55 | 1 | 85798355.44 | 0 | 0 | 8 | 370234243.99 | 0.7682592660382939 | 0.23174073396170616 | 0 | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 Septembre 2016 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 | 1 | 226398500 | 1 | 708806000 | 2 | 2619224000 | 4 | 3554428500 | 0.06369476837134296 | 0.19941489890709577 | 0.7368903327215612 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 484377000 | 1 | 200731000 | 3 | 826881000 | 10 | 1511989000 | 0.32035748937326924 | 0.13275956372698478 | 0.5468829468997459 | 1 CAPITALBK | 2 | 302040090 | 5 | 1278507530 | 0 | 0 | 7 | 1580547620 | 0.19109838019306244 | 0.8089016198069375 | 0 | 1 SOGEBK | 10 | 3327371131.96 | 7 | 4583884954.53 | 0 | 0 | 17 | 7911256086.49 | 0.4205869580738424 | 0.5794130419261576 | 0 | 1 SOGEBL | 5 | 176908283.2 | 3 | 219364522.76 | 0 | 0 | 8 | 396272805.96 | 0.44643054113043834 | 0.5535694588695617 | 0 | 1 UNIBK | 6 | 3120313000 | 5 | 5385967000 | 0 | 0 | 11 | 8506280000 | 0.36682462839219965 | 0.6331753716078004 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 97224000 | 1 | 88661000 | 1 | 127206000 | 5 | 313091000 | 0.31052952655937094 | 0.28317965064470074 | 0.4062908227959283 | 1 [Non apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2016 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 | 1230945500 | 1 | 702823000 | 2 | 2587443000 | 8 | 4521211500 | 0.27226010108131415 | 0.15545014870461157 | 0.5722897502140742 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 322994000 | 4 | 434584000 | 2 | 491450000 | 12 | 1249028000 | 0.2585962844708045 | 0.34793775639937613 | 0.39346595912981935 | 1 CAPITALBK | 5 | 682519230 | 3 | 670231790 | 0 | 0 | 8 | 1352751020 | 0.5045416487654912 | 0.49545835123450876 | 0 | 1 SOGEBK | 10 | 3343415364 | 5 | 3642683848 | 0 | 0 | 15 | 6986099212 | 0.47858114557792514 | 0.5214188544220749 | 0 | 1 SOGEBL | 7 | 245504616 | 2 | 151807320 | 0 | 0 | 9 | 397311936 | 0.6179140210879545 | 0.3820859789120456 | 0 | 1 UNIBK | 7 | 3440582000 | 4 | 4334581000 | 0 | 0 | 11 | 7775163000 | 0.4425093081649864 | 0.5574906918350137 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 108702000 | 1 | 89155000 | 0 | 0 | 4 | 197857000 | 0.5493967865680769 | 0.45060321343192306 | 0 | 1 [Non apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2016 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 | 1039389500 | 1 | 353457000 | 1 | 777875000 | 7 | 2170721500 | 0.47882213356250447 | 0.16282927128146102 | 0.3583485951560345 | 1 BPH | 76 | 75085000 | 30 | 57800000 | 37 | 543349000 | 143 | 676234000 | 0.11103405034352014 | 0.0854733716435435 | 0.8034925780129364 | 1 BUH | 4 | 232268000 | 2 | 197998000 | 3 | 546034000 | 9 | 976300000 | 0.23790638123527605 | 0.2028044658404179 | 0.559289152924306 | 1 CAPITALBK | 4 | 338768270 | 5 | 985335970 | 0 | 0 | 9 | 1324104240 | 0.25584713028333783 | 0.7441528697166622 | 0 | 1 SOGEBK | 11 | 3483107611 | 4 | 2750016511 | 1 | 930603331 | 16 | 7163727453 | 0.4862144231270771 | 0.38388067232350637 | 0.12990490454941656 | 1 SOGEBL | 7 | 233005373 | 3 | 220375627 | 0 | 0 | 10 | 453381000 | 0.5139284023812202 | 0.48607159761877977 | 0 | 1 UNIBK | 8 | 2585024000 | 5 | 4931479000 | 0 | 0 | 13 | 7516503000 | 0.3439131202368974 | 0.6560868797631026 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 103023000 | 1 | 44550000 | 0 | 0 | 4 | 147573000 | 0.6981155089345612 | 0.3018844910654388 | 0 | 1 [Secteur d' activitémars 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 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 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522 200 | Industrie alimentaire | 1243884 | 1209.3326299999999 | 591255.1010599999 | 573744.954 | 1913350.97 | 391296.701 | 11885.69 | 182892.25616999998 | 0 | 4909519.004860001 210 | Industrie des boissons | 237 | 0 | 1382915.18714 | 709677.07 | 3467603.26 | 429391.277 | 0 | 0 | 0 | 5989823.794139999 220 | Industrie du bois | 54956 | 0 | 2110.51323 | 6797.559 | 0 | 567.7 | 0 | 0 | 0 | 64431.772229999995 230 | Industrie chimique | 368 | 0 | 86521.49491 | 572130.459 | 3275.34 | 55801.101 | 0 | 175720.01083 | 0 | 893816.4057400001 240 | Industrie du textile | 1089 | 0 | 379969.48713 | 1489898.06 | 96966.11 | 194716.222 | 0 | 0 | 0 | 2162638.8791300002 250 | Industrie pharmacie | 0 | 0 | 104023.18229000001 | 0 | 63006.65 | 41726.361 | 0 | 0 | 0 | 208756.19329000002 260 | Imprimerie, édition | 7883 | 0 | 8332.8557 | 58010.366 | 70014.31 | 37996.96 | 0 | 0 | 0 | 182237.49169999998 270 | Sidérurgie, aciérie | 13931 | 0 | 76828.00676999999 | 260651.093 | 0 | 203752.009 | 0 | 0 | 0 | 555162.1087699999 280 | Industrie de la fabrication | 35859 | 1774.11606 | 371723.85717000003 | 1840066.652 | 597992.65 | 311674.467 | 0 | 0 | 0 | 3159090.74223 290 | Autres industries | 0 | 0 | 65068.74748 | 106219.112 | 700002.75 | 138408.013 | 0 | 0 | 0 | 1009698.62248 300 | Production et distribution de l'électricité | 1468147 | 0 | 334973.96181 | 1831110.861 | 0 | 5689.781 | 0 | 0 | 0 | 3639921.60381 400 | Production et distribution de gaz | 0 | 0 | 0 | 530272.329 | 58704.91 | 190455.47 | 0 | 0 | 0 | 779432.709 500 | Traitement et distribution de l'eau | 0 | 0 | 280873.98708 | 74228.006 | 25812.81 | 0 | 0 | 0 | 0 | 380914.80308 600 | Entrep/ batiment et corps/ métiers corresp. | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995 700 | Commerce de gros(1) | 3050434 | 320720.70177 | 3513709.63175 | 7446698.863 | 9302432.83 | 2708220.159 | 0 | 102283.6032 | 0 | 26444499.78872 800 | Commerce de détail(2) | 368952 | 441584.78372 | 1033116.95574 | 6548283.915 | 7634890.93 | 1080846.076 | 0 | 207310.4448 | 0 | 17314985.10526 900 | Rest/débits/boissons, casinos/activités/loterie | 136647 | 34.29018 | 2870.8339100000003 | 3675.73 | 18805.96 | 22522.149 | 0 | 0 | 0 | 184555.96309 1000 | Hotels,motels et pensions | 1684564 | 0 | 142952.45309 | 855133.443 | 573791.14 | 333158.647 | 180466.42 | 0 | 0 | 3770066.10309 1100 | Transport | 1978085 | 134864.90372 | 362503.81329 | 286496.299 | 1380392.25 | 69683.819 | 0 | 0 | 0 | 4212026.08501 1200 | Immobilier résidentiel / Avance Hypothécaire | 2104796 | 250441.02992 | 1864722.5311500002 | 420442.784 | 2961199.14 | 616041.379 | 3606271.25 | 0 | 0 | 11823914.114070002 1300 | Immobilier commercial | 3411022 | 57262.897229999995 | 1475138.99907 | 6200878.609 | 3286048.67 | 123629.735 | 1168931.11 | 0 | 0 | 15722912.020299999 1400 | Télécommunications | 1960364 | 0 | 25543.57482 | 64120.655 | 1295546.03 | 32723.352 | 0 | 0 | 0 | 3378297.61182 1500 | Services financiers | 242946 | 0 | 524662.68235 | 597337.366 | 571633.43 | 1968742.352 | 0 | 123167.98354 | 0 | 4028489.81389 1510 | Services professionnels | 901840 | 8865.33452 | 224556.64953 | 123251.717 | 328527.61 | 525159.309 | 0 | 0 | 0 | 2112200.62005 1520 | Services médicaux | 1555 | 0 | 17600.029739999998 | 3240.235 | 2447.3 | 34034.738 | 0 | 0 | 0 | 58877.30274 1530 | Services d'agence ou de représentation | 0 | 775.39098 | 17313.649960000002 | 34373.616 | 32420.68 | 3596.484 | 0 | 0 | 0 | 88479.82094 1540 | Services d'enseignement | 181329 | 0 | 27794.951269999998 | 51290.09 | 3440 | 8012.816 | 0 | 0 | 0 | 271866.85727 1550 | Autres services | 60421 | 9682.29822 | 144180.50582 | 148532.267 | 540518.88 | 624683.811 | 0 | 0 | 0 | 1528018.76204 1560 | Crédit à la consommation | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22873364 | 1362690.5206899997 | 16087988.99735 | 38668212.44399999 | 38749971.830000006 | 11250823.148 | 5057445.14 | 917394.4916500001 | 0 | 134967890.57169 (1) Commerce de gros Import-export | 523857 | 42953.67873 | 825024.15054 | 1672942.952 | 2569024.75 | 320665 | 0 | 5954467.53127 Produits pétroliers | 512730 | 0 | 574399.86403 | 1979765.106 | 478448.88 | 471926 | 0 | 4017269.85003 Produits pharmaceutiques | 0 | 0 | 22266.94109 | 60280.018 | 71755.66 | 22126 | 0 | 176428.61909 Produits alimentaires | 202094 | 10159.88879 | 827785.59405 | 2180680.339 | 2046832.46 | 985866 | 0 | 6253418.28184 Matériaux de construction | 0 | 157074.10927 | 1007386.5573 | 377900.272 | 3011101.13 | 873462 | 0 | 5426924.068569999 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1811753 | 110533.02498 | 256846.52474 | 1175130.176 | 1125269.95 | 34176 | 102283.6032 | 0 | 4615992.2789199995 S-Total | 3050434 | 320720.70177 | 3513709.6317499997 | 7446698.863000001 | 9302432.83 | 2708221 | 0 | 102283.6032 | 0 | 26444500.62972 (2) Commerce de détail Produits pétroliers | 106138 | 4910.85576 | 83565.46961 | 53012.978 | 172398.55 | 38736 | 195945.6 | 654707.45337 Produits pharmaceutiques | 1395 | 958.92298 | 0 | 630.36 | 37456 | 0 | 40440.28298 Véhicules automobiles | 192126 | 259941.18104 | 1885721.25 | 3544711.23 | 620888 | 0 | 6503387.661040001 Produits alimentaires | 233 | 506254.67156 | 815034.498 | 1381394.1 | 133577 | 11364.8448 | 0 | 2847858.11436 Librairie ,papeterie | 523 | 0 | 28301.578 | 158223.71 | 7 | 0 | 187055.288 Appareils électro- ménagers électroni.équip. inform. | 0 | 51156.20723 | 381709.484 | 630528.96 | 202312 | 0 | 1265706.65123 Matériaux de construction | 26402 | 31141.77092 | 200112.039 | 784380.32 | 9 | 0 | 1042045.12992 Autres | 42136 | 436673.92796 | 100098.73239 | 3184392.088 | 962623.7 | 47862 | 0 | 4773786.44835 S-Total | 368953 | 441584.78372 | 1033116.95573 | 6548283.915000001 | 7634890.930000001 | 1080847 | 0 | 207310.4448 | 0 | 17314987.029250003 [Secteur d'activitémars 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 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 | 6.619529763324785e-05 | 0.00024298656198828042 | 0.028598957306648444 | 0 | 0 | 0 | #DIV/0! | 0.00828841282531421 200 | Industrie alimentaire | 0.05438133192826381 | 0.0008874594866834863 | 0.036751336736828386 | 0.014837638404695017 | 0.049376835121172774 | 0.03477938421506152 | 0.0023501372078155655 | 0.19936053446435575 | #DIV/0! | 0.03637545925971366 210 | Industrie des boissons | 0 | 0 | 0.08595948116124351 | 0.01835298363035962 | 0.08948660079580759 | 0.03816532100376412 | 0 | 0 | #DIV/0! | 0.04437962072881642 220 | Industrie du bois | 0.0024026199207077717 | 0 | 0.00013118564603367406 | 0.00017579191202190557 | 0 | 5.045853023660025e-05 | 0 | 0 | #DIV/0! | 0.0004773859319952563 230 | Industrie chimique | 1.6088582335331173e-05 | 0 | 0.005378018030982725 | 0.014795885892800703 | 8.452496467272915e-05 | 0.004959734969251514 | 0 | 0.19154247428928303 | #DIV/0! | 0.006622437395694775 240 | Industrie du textile | 4.7609962399933825e-05 | 0 | 0.023618209037350055 | 0.03853030605326527 | 0.0025023530449363937 | 0.017306842302877518 | 0 | 0 | #DIV/0! | 0.01602335837042134 250 | Industrie pharmacie | 0 | 0 | 0.006465890939329622 | 0 | 0.0016259792465505901 | 0.00370873850305055 | 0 | 0 | #DIV/0! | 0.0015467100538191815 260 | Imprimerie, édition | 0.00034463666997123815 | 0 | 0.0005179550844653474 | 0.0015002081123871882 | 0.001806822216727273 | 0.0033772604457616524 | 0 | 0 | #DIV/0! | 0.0013502284945559116 270 | Sidérurgie, aciérie | 0.000609049023134507 | 0 | 0.00477548852020318 | 0.006740707069856918 | 0 | 0.01810996460612039 | 0 | 0 | #DIV/0! | 0.0041132902531000005 280 | Industrie de la fabrication | 0.001567718679246306 | 0.0013019214803825557 | 0.023105675745503686 | 0.047586028308518734 | 0.015432079605720838 | 0.02770237011995027 | 0 | 0 | #DIV/0! | 0.02340623928290564 290 | Autres industries | 0 | 0 | 0.004044554449329749 | 0.0027469361857321035 | 0.01806460022915583 | 0.012302034364890366 | 0 | 0 | #DIV/0! | 0.007481028400185933 300 | Production et distribution de l'électricité | 0.06418588013551482 | 0 | 0.020821369399567382 | 0.04735442228295006 | 0 | 0.0005057213081348134 | 0 | 0 | #DIV/0! | 0.026968796714479337 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013713391322858539 | 0.0015149665206866292 | 0.016928136501181808 | 0 | 0 | #DIV/0! | 0.005774949180123653 500 | Traitement et distribution de l'eau | 0 | 0 | 0.01745861382216667 | 0.0019196130699731296 | 0.0006661375165185506 | 0 | 0 | 0 | #DIV/0! | 0.0028222624023131783 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0392971930145474 | 0.08075695395186117 | 0.11408679525839618 | 0.0994588166848854 | 0.016814765514114694 | 0.0784583184170766 | 0 | 0.13736750575354295 | #DIV/0! | 0.06187056794196912 700 | Commerce de gros(1) | 0.13336184393340655 | 0.2353584301794385 | 0.21840577043711154 | 0.19257934081603706 | 0.24006295722770332 | 0.24071306813505697 | 0 | 0.11149358768879848 | #DIV/0! | 0.19593178552845242 800 | Commerce de détail(2) | 0.016130202798329097 | 0.32405361086419177 | 0.0642166622509609 | 0.16934540029444972 | 0.19702958658899233 | 0.09606817757082389 | 0 | 0.2259774248558406 | #DIV/0! | 0.12828966231833427 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005974066604282606 | 2.516358592018174e-05 | 0.00017844579023971744 | 9.50581826176542e-05 | 0.00048531544958286995 | 0.002001822329240296 | 0 | 0 | #DIV/0! | 0.0013674064424380305 1000 | Hotels,motels et pensions | 0.07364740927482288 | 0 | 0.008885663280447731 | 0.022114636000782808 | 0.014807524054914905 | 0.029611935288416998 | 0.03568331736763041 | 0 | #DIV/0! | 0.027933059390058995 1100 | Transport | 0.08647984616517274 | 0.09896957649027384 | 0.02253257466484539 | 0.007409090849878544 | 0.03562305170326106 | 0.006193664062027971 | 0 | 0 | #DIV/0! | 0.031207615879368922 1200 | Immobilier résidentiel | 0.09201952104640139 | 0.18378423135517882 | 0.115907745303478 | 0.010873085602518939 | 0.07641809787607269 | 0.05475522731947932 | 0.7130618622983225 | 0 | #DIV/0! | 0.08760538572535201 1300 | Immobilier commercial | 0.14912638123539676 | 0.04202193848167732 | 0.09169194479887968 | 0.16036113947548586 | 0.0848013176478224 | 0.010988505762974063 | 0.23113075429227498 | 0 | #DIV/0! | 0.11649372271954243 1400 | Télécommunications | 0.08570510223157381 | 0 | 0.0015877419374296885 | 0.0016582265108029159 | 0.033433470240538235 | 0.002908529586638917 | 0 | 0 | #DIV/0! | 0.025030380170501163 1500 | Services financiers | 0.010621349793585238 | 0 | 0.03261207366790355 | 0.01544776259996696 | 0.014751841175725571 | 0.1749865166398934 | 0 | 0.13425847294817905 | #DIV/0! | 0.029847764507738333 1510 | Services professionnels | 0.03942751927525833 | 0.00650575782644399 | 0.01395803102345413 | 0.003187416981803733 | 0.008478138034300604 | 0.04667741214058234 | 0 | 0 | #DIV/0! | 0.015649652751504452 1520 | Services médicaux | 6.798300416152168e-05 | 0 | 0.001093985689752713 | 8.379583112854176e-05 | 6.315617494475995e-05 | 0.003025088702603078 | 0 | 0 | #DIV/0! | 0.0004362319251683535 1530 | Services d'agence ou de représentation | 0 | 0.0005690147309510747 | 0.001076184845902859 | 0.0008889372905401433 | 0.0008366633179046622 | 0.00031966407725814513 | 0 | 0 | #DIV/0! | 0.0006555620048977706 1540 | Services d'enseignement | 0.007927517788813223 | 0 | 0.0017276833838323956 | 0.0013264148187423776 | 8.877425808440903e-05 | 0.0007121982004867258 | 0 | 0 | #DIV/0! | 0.002014307670649963 1550 | Autres services | 0.002641544112182187 | 0.007105280379507857 | 0.008961996794238813 | 0.0038411981731792523 | 0.013948884462969683 | 0.05552338729198199 | 0 | 0 | #DIV/0! | 0.011321350252772694 1560 | Crédit à la consommation | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977287 | 0.05319659970447002 | 0.019160517605178163 | 0.017773928833956665 | 0 | #DIV/0! | 0.07871536547781263 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999896386032242 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.02290249042510756 | 0.03152122809825547 | 0.051281993708219044 | 0.0432640364336155 | 0.06629746109934138 | 0.02850147013972066 | 0 | 0 | #DIV/0! | 0.044117660178642305 Produits pétroliers | 0.02241602940433248 | 0 | 0.03570364600103933 | 0.051198774933471046 | 0.012347076846894315 | 0.041945908649705495 | 0 | 0 | #DIV/0! | 0.029764633891912043 Produits pharmaceutiques | 0 | 0 | 0.0013840723718587693 | 0.0015589036624669066 | 0.0018517603139119492 | 0.0019666116611150555 | 0 | 0 | #DIV/0! | 0.0013071895718507031 Produits alimentaires | 0.008835342278468527 | 0.007455756560818763 | 0.051453639991073594 | 0.0563946508300093 | 0.052821521238251685 | 0.08762612184293841 | 0 | 0 | #DIV/0! | 0.04633263700982578 Matériaux de construction | 0 | 0.1152676318541244 | 0.06261730769867731 | 0.00977289220564002 | 0.07770589210258012 | 0.07763538618552286 | 0 | 0 | #DIV/0! | 0.0402090011600753 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.07920798182549799 | 0.08111381366623986 | 0.015965110666243464 | 0.03039008275083429 | 0.029039245626723848 | 0.0030376444061406553 | 0 | 0.11149358768879848 | #DIV/0! | 0.03420066994725796 S-Total | 0.13336184393340655 | 0.23535843017943853 | 0.2184057704371115 | 0.19257934081603706 | 0.2400629572277033 | 0.24071314288514314 | - | 0.11149358768879848 | #DIV/0! | 0.1959317917595641 (2) Commerce de détail Produits pétroliers | 0.004640244434530924 | 0.003603793880883081 | 0.005194276899602855 | 0.0013709704858163372 | 0.004448998072987759 | 0.0034429480839262764 | 0 | 0.21358924844597413 | #DIV/0! | 0.004850838600179821 Produits pharmaceutiques | 6.0987968363551595e-05 | 0 | 5.960490028666436e-05 | 0 | 1.6267366664560488e-05 | 0.003329178630512769 | 0 | 0 | #DIV/0! | 0.0002996289177278029 Véhicules automobiles | 0.008399551548254992 | 0 | 0.016157468847275896 | 0.04876670347073674 | 0.09147648533916365 | 0.05518600655547341 | 0 | 0 | #DIV/0! | 0.04818470255031244 Produits alimentaires | 1.0186520880793923e-05 | 0 | 0.03146786535243092 | 0.021077635775906316 | 0.035648905915604635 | 0.011872642405168842 | 0 | 0.012388176409866499 | #DIV/0! | 0.021100263939053877 Librairie ,papeterie | 2.2865023264614683e-05 | 0 | 0 | 0.000731908102578749 | 0.004083195484480433 | 6.221766983551202e-07 | 0 | 0 | #DIV/0! | 0.001385924364733574 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0031797763684713117 | 0.009871402370947418 | 0.01627172692579477 | 0.017981973171088725 | 0 | 0 | #DIV/0! | 0.009377835319710379 Matériaux de construction | 0.001154268344612537 | 0 | 0.0019357155779463576 | 0.005175104468296948 | 0.02024208748953818 | 7.99941469313726e-07 | 0 | 0 | #DIV/0! | 0.007720689161741798 Autres | 0.0018421426773954194 | 0.32044981698330866 | 0.006221954304325306 | 0.0823516756201672 | 0.02484191999475835 | 0.004254088733810395 | 0 | 0 | #DIV/0! | 0.03536979372004292 S-Total | 0.016130246517302833 | 0.3240536108641917 | 0.06421666225033931 | 0.16934540029444972 | 0.19702958658899233 | 0.09606825969814808 | - | 0.22597742485584063 | #DIV/0! | 0.12828967657350263 [Secteur d'activité mars 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3419386 | 762305.48549 | 4546826.58749 | 13994982.778 | 16937323.759999998 | 3789066.235 | 0 | 309594.048 | 0 | 43759484.89398 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3209302 | 19357.3139 | 1101931.7556699999 | 1816834.464 | 2071585 | 3519910.306 | 180466.42 | 123167.98354 | 0 | 12042555.24311 Industries Manufacturières ( 200 à 290 ) | 1358207 | 2983.44869 | 3068748.4328799997 | 5617195.324999999 | 6912212.04 | 1805330.811 | 11885.69 | 358612.267 | 0 | 19135175.01457 Prêts aux Particuliers ( 1560 ) | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5515818 | 307703.92715 | 3339861.53022 | 6621321.393 | 6247247.8100000005 | 739671.114 | 4775202.36 | 0 | 0 | 27546826.13437 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 3938449 | 134864.90372 | 388047.38811 | 350616.954 | 2675938.2800000003 | 102407.171 | 0 | 0 | 0 | 7590323.69683 Bâtiments et Travaux Publics ( 600 ) | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995 Électricité, Gaz et Eau ( 300 à 500 ) | 1468147 | 0 | 615847.94889 | 2435611.196 | 84517.72 | 196145.251 | 0 | 0 | 0 | 4800269.11589 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522 Total | 22873364 | 1362690.52069 | 16087988.99735 | 38668212.444 | 38749971.82999999 | 11250823.148 | 5057445.140000001 | 917394.49165 | 0 | 134967890.57169 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14949204673173566 | 0.5594120410436302 | 0.2826224326880724 | 0.3619247411104867 | 0.43709254381669577 | 0.33678124570588086 | 0 | 0.3374710125446392 | #DIV/0! | 0.32422144784678664 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.140307389853106 | 0.0142052165228231 | 0.0684940644757719 | 0.04698521987876146 | 0.053460296928427485 | 0.312858024670463 | 0.035683317367630404 | 0.13425847294817905 | #DIV/0! | 0.0892253349452286 Industries Manufacturières ( 200 à 290 ) | 0.05937941616283464 | 0.0021893809670660417 | 0.1907477953512699 | 0.1452664855696374 | 0.1783797952247441 | 0.1604621090609645 | 0.002350137207815565 | 0.3909030087536388 | #DIV/0! | 0.14177575817120813 Prêts aux Particuliers ( 1560 ) | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977285 | 0.05319659970447004 | 0.019160517605178163 | 0.017773928833956662 | 0 | #DIV/0! | 0.07871536547781263 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24114590228179816 | 0.2258061698368561 | 0.20759969010235768 | 0.17123422507800476 | 0.16121941552389515 | 0.06574373308245339 | 0.9441926165905973 | 0 | #DIV/0! | 0.20409910844489443 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.17218494839674653 | 0.09896957649027381 | 0.02412031660227508 | 0.009067317360681459 | 0.06905652194379933 | 0.009102193648666887 | 0 | 0 | #DIV/0! | 0.056237996049870086 Bâtiments et Travaux Publics ( 600 ) | 0.0392971930145474 | 0.08075695395186115 | 0.11408679525839618 | 0.09945881668488539 | 0.0168147655141147 | 0.0784583184170766 | 0 | 0.13736750575354295 | #DIV/0! | 0.06187056794196912 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06418588013551482 | 0 | 0.03827998322173405 | 0.06298742667578172 | 0.0021811040372051805 | 0.017433857809316618 | 0 | 0 | #DIV/0! | 0.03556600829691617 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828037 | 0.028598957306648454 | 0 | 0 | 0 | #DIV/0! | 0.00828841282531421 Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1 | #DIV/0! | 1 [Secteur d' activitédec 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 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 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921 200 | Industrie alimentaire | 1234243.83326 | 1209.3326200000001 | 532436.20767 | 481002.287 | 2152123.9 | 501018.534 | 12084.56 | 176783.88416999998 | 0 | 5090902.538720001 210 | Industrie des boissons | 21.3744 | 0 | 1152266.4556 | 740915.121 | 3170160.76 | 419860.716 | 0 | 0 | 0 | 5483224.427 220 | Industrie du bois | 51309.55207 | 0 | 418.17833 | 6405.661 | 0 | 717.218 | 0 | 0 | 0 | 58850.6094 230 | Industrie chimique | 349.59389 | 0 | 77904.08155 | 519645.421 | 1585.54 | 37346.352 | 0 | 169851.18283 | 0 | 806682.17127 240 | Industrie du textile | 1320.4393799999998 | 0 | 386671.10436 | 1453026.759 | 61335.95 | 121773.474 | 0 | 0 | 0 | 2024127.72674 250 | Industrie pharmacie | 0 | 0 | 118136.23861 | 0 | 32228.46 | 43132.398 | 0 | 0 | 0 | 193497.09661 260 | Imprimerie, édition | 4900.8755 | 23.28764 | 9537.19261 | 100848.575 | 87750.21 | 51853.561 | 0 | 0 | 0 | 254913.70175 270 | Sidérurgie, aciérie | 24716.560940000003 | 0 | 83378.22409999999 | 315176.006 | 0 | 293675.148 | 0 | 0 | 0 | 716945.93904 280 | Industrie de la fabrication | 37169.08606 | 2323.28297 | 371064.52044 | 1873804.318 | 558592.08 | 319377.121 | 0 | 0 | 0 | 3162330.4084699997 290 | Autres industries | 0 | 840.0571199999999 | 39555.813740000005 | 111340.902 | 690842.56 | 166509.055 | 0 | 0 | 0 | 1009088.3878600001 300 | Production et distribution de l'électricité | 1356574.7821300002 | 0 | 334960.41272 | 2008166.366 | 0 | 5566.606 | 0 | 126020.19311 | 0 | 3831288.35996 400 | Production et distribution de gaz | 0 | 0 | 0 | 513504.298 | 60993.18 | 182462.074 | 0 | 0 | 0 | 756959.552 500 | Traitement et distribution de l'eau | 0 | 0 | 315123.88811 | 76111.31 | 28547.77 | 8988.873 | 0 | 0 | 0 | 428771.84111000004 600 | Entrep/ batiment et corps/ métiers corresp. | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873 700 | Commerce de gros(1) | 2779023.9667399996 | 311191.60852999997 | 3043943.03972 | 5973976.675 | 8800895.47 | 2600553.176 | 0 | 96031.5048 | 0 | 23605615.440789998 800 | Commerce de détail(2) | 334098.04858 | 429984.45061 | 1282746.3488599998 | 6459160.714 | 7547692.58 | 1162834.138 | 0 | 194638.5672 | 0 | 17411154.84725 900 | Rest/débits/boissons, casinos/activités/loterie | 129173.32322 | 34.29018 | 8330.80946 | 3974.507 | 20229.67 | 19428.878 | 0 | 0 | 0 | 181171.47786 1000 | Hotels,motels et pensions | 1599585.59072 | 0 | 147037.25407 | 828314.93 | 636982.95 | 329963.616 | 180985.89 | 0 | 0 | 3722870.2307900004 1100 | Transport | 2255489.34463 | 133223.39257999999 | 347356.05415 | 269344.989 | 1372416.18 | 65743.307 | 0 | 0 | 0 | 4443573.26736 1200 | Immobilier résidentiel / Avance Hypothécaire | 2070437.02245 | 251390.32571 | 1900725.0343499999 | 377596.598 | 2807317.74 | 548681.592 | 3436947.14 | 0 | 0 | 11393095.452510001 1300 | Immobilier commercial | 3418020.74521 | 58108.47088 | 1405070.4039200002 | 5913945.004 | 3330367.88 | 128430.182 | 1081134.07 | 0 | 0 | 15335076.75601 1400 | Télécommunications | 1840100.71515 | 0 | 28049.91773 | 62800.061 | 1421109.92 | 31642.205 | 0 | 0 | 0 | 3383702.81888 1500 | Services financiers | 152503.65112 | 0 | 499581.47417 | 1054270.823 | 779128.37 | 2036183.535 | 0 | 115639.3247 | 0 | 4637307.17799 1510 | Services professionnels | 846014.84866 | 24221.35504 | 198471.65184 | 115015.685 | 333482.75 | 331492.018 | 0 | 0 | 0 | 1848698.30854 1520 | Services médicaux | 1735.75035 | 0 | 15205.089119999999 | 3482.538 | 3246.19 | 36965.801 | 0 | 0 | 0 | 60635.36847 1530 | Services d'agence ou de représentation | 1547.75827 | 941.2188100000001 | 15853.94866 | 31404.003 | 35846.56 | 3705.383 | 0 | 0 | 0 | 89298.87174 1540 | Services d'enseignement | 181188.41395 | 0 | 29261.78364 | 60510.543 | 5922.73 | 8142.778 | 0 | 0 | 0 | 285026.24859 1550 | Autres services | 136784.22222999998 | 14784.18872 | 179659.43476 | 207296.649 | 543764.82 | 644101.612 | 0 | 0 | 0 | 1726390.92671 1560 | Crédit à la consommation | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22411861.882659994 | 1358752.40064 | 15522736.513929999 | 36774085.74299999 | 38477202.23999999 | 11520492.262 | 4831648.04 | 878964.6568099998 | 0 | 131775743.73904 (1) Commerce de gros Import-export | 504335 | 45175.29072 | 750056.60526 | 1832870.92 | 2614814.39 | 299758 | 0 | 0 | 0 | 6047010.20598 Produits pétroliers | 0 | 0 | 293103.2139 | 469576.47 | 340801.49 | 317675 | 0 | 0 | 0 | 1421156.1738999998 Produits pharmaceutiques | 0 | 0 | 21023.26026 | 75389.758 | 113628.76 | 20801 | 0 | 0 | 0 | 230842.77826 Produits alimentaires | 434608 | 10873.28613 | 738206.85184 | 2109016.426 | 3177523.28 | 1033613 | 0 | 0 | 0 | 7503840.84397 Matériaux de construction | 0 | 148083.45181 | 936942.35047 | 389853.841 | 1304946.19 | 893898 | 0 | 0 | 0 | 3673723.83328 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1840081 | 107059.57987 | 304610.75799 | 1097269.259 | 1249181.39 | 34807 | 0 | 96031.5048 | 0 | 4729040.49166 S-Total | 2779024 | 311191.60853 | 3043943.03972 | 5973976.673999999 | 8800895.5 | 2600552 | 0 | 96031.5048 | 0 | 23605614.32705 (2) Commerce de détail Produits pétroliers | 108168 | 4910.85576 | 349009.77841 | 64625.448 | 186737.81 | 41980 | 0 | 183968.4 | 939400.2921700001 Produits pharmaceutiques | 1684 | 0 | 1027.42775 | 1089.892 | 762.28 | 59965 | 0 | 0 | 0 | 64528.59975 Véhicules automobiles | 152120 | 0 | 266954.61787 | 1926279.88 | 4097126.14 | 621380 | 0 | 0 | 0 | 7063860.637870001 Produits alimentaires | 0 | 0 | 489033.84125 | 763428.564 | 920174.09 | 151549 | 0 | 10670.1672 | 0 | 2334855.66245 Librairie ,papeterie | 761 | 0 | 0 | 26137.783 | 114130.45 | 0 | 0 | 0 | 0 | 141029.233 Appareils électro- ménagers électroni.équip. inform. | 0 | 33.06631 | 47830.24295 | 306212.212 | 400532.95 | 232677 | 0 | 0 | 0 | 987285.47126 Matériaux de construction | 24788 | 0 | 31500 | 182737.385 | 749338.05 | 31 | 0 | 0 | 0 | 988394.435 Autres | 46578 | 425040.52854 | 97390.44063 | 3188649.549 | 1078890.8 | 55253 | 0 | 0 | 0 | 4891802.31817 S-Total | 334099 | 429984.45061000006 | 1282746.3488600003 | 6459160.7129999995 | 7547692.57 | 1162835 | 0 | 194638.5672 | 0 | 17411156.649670005 [Secteur d'activitédec 19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 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 | 8.728417239989429e-05 | 0.0002943986174302319 | 0.02169305306538837 | 0 | 0 | 0 | #DIV/0! | 0.006426593356111758 200 | Industrie alimentaire | 0.05507100836699925 | 0.0008900316344835012 | 0.034300408770850124 | 0.013079925096208804 | 0.05593244245192814 | 0.043489333841453516 | 0.002501125889128298 | 0.20112740916295366 | #DIV/0! | 0.03863307763833751 210 | Industrie des boissons | 0 | 0 | 0.07423088413347503 | 0.02014775095098141 | 0.08239062549886686 | 0.036444685387698066 | 0 | 0 | #DIV/0! | 0.041610271142605855 220 | Industrie du bois | 0.002289392659058732 | 0 | 2.693972996479903e-05 | 0.00017418953783832213 | 0 | 6.225584668510409e-05 | 0 | 0 | #DIV/0! | 0.0004465966780391987 230 | Industrie chimique | 1.5598609871430628e-05 | 0 | 0.005018707975883595 | 0.01413075024166754 | 4.120725800462982e-05 | 0.003241732310622336 | 0 | 0.19324005978401432 | #DIV/0! | 0.006121628672933164 240 | Industrie du textile | 5.891698721477579e-05 | 0 | 0.024909983108519815 | 0.039512246997917166 | 0.0015940854955466745 | 0.010570162388083552 | 0 | 0 | #DIV/0! | 0.01536039690846632 250 | Industrie pharmacie | 0 | 0 | 0.007610529142460502 | 0 | 0.0008375988409702006 | 0.00374397178688891 | 0 | 0 | #DIV/0! | 0.0014683817455296547 260 | Imprimerie, édition | 0.00021867328674695234 | 1.713898719813194e-05 | 0.0006144015007560934 | 0.0027423815701304467 | 0.002280576676356603 | 0.004500984838211942 | 0 | 0 | #DIV/0! | 0.0019344508671854989 270 | Sidérurgie, aciérie | 0.001102833895256295 | 0 | 0.005371361165937265 | 0.008570600726898948 | 0 | 0.025491545093839323 | 0 | 0 | #DIV/0! | 0.005440651812671932 280 | Industrie de la fabrication | 0.0016584559665146624 | 0.0017098648502153055 | 0.023904581521886247 | 0.050954477321212034 | 0.014517481715947135 | 0.027722523806856404 | 0 | 0 | #DIV/0! | 0.02399781870882452 290 | Autres industries | 0 | 0.0006182562176922859 | 0.0025482500269525857 | 0.003027700070590985 | 0.01795459440348333 | 0.014453293419520374 | 0 | 0 | #DIV/0! | 0.007657618611952836 300 | Production et distribution de l'électricité | 0.0605293210011962 | 0 | 0.021578696025627234 | 0.05460819284629687 | 0 | 0.0004831916790883393 | 0 | 0.14337344753697073 | #DIV/0! | 0.02907430647894677 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013963754302110594 | 0.0015851771035627154 | 0.015838044924681362 | 0 | 0 | #DIV/0! | 0.0057443011173515576 500 | Traitement et distribution de l'eau | 0 | 0 | 0.020300794761748998 | 0.0020696995849716782 | 0.0007419398588788874 | 0.0007802507736279229 | 0 | 0 | #DIV/0! | 0.00325379943944093 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04094264788638313 | 0.07751215969914182 | 0.11087402144431975 | 0.08445425209765223 | 0.027187557283270925 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.061519605116281156 700 | Commerce de gros(1) | 0.12399790705876712 | 0.22902745811777217 | 0.19609577454261276 | 0.16245071914907241 | 0.22873012998982548 | 0.22573281738818116 | 0 | 0.10925525168272894 | #DIV/0! | 0.17913475402223494 800 | Commerce de détail(2) | 0.014907197372945212 | 0.31645533829965533 | 0.08263661163795906 | 0.1756443588874133 | 0.19616011925507407 | 0.1009361502577085 | 0 | 0.22144072084353872 | #DIV/0! | 0.13212716053213786 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005763614102938101 | 2.5236518429589253e-05 | 0.0005366843309183268 | 0.00010807901596184629 | 0.0005257573010069249 | 0.0016864624842538695 | 0 | 0 | #DIV/0! | 0.0013748469385897002 1000 | Hotels,motels et pensions | 0.07137227594453434 | 0 | 0.009472379688855104 | 0.022524419391110793 | 0.016554814615336238 | 0.0286414511199643 | 0.03745841760444124 | 0 | #DIV/0! | 0.028251559241149322 1100 | Transport | 0.10063819581072232 | 0.09804832176726906 | 0.022377243460796042 | 0.0073243150321220495 | 0.03566829447316906 | 0.005706640437305994 | 0 | 0 | #DIV/0! | 0.03372072235205714 1200 | Immobilier résidentiel | 0.09238130385105989 | 0.1850155522018508 | 0.12244780632875538 | 0.010268007766090449 | 0.07296054745585372 | 0.04762657528184015 | 0.7113405429258047 | 0 | #DIV/0! | 0.08645821400235947 1300 | Immobilier commercial | 0.15250945071433422 | 0.04276604836365311 | 0.09051692674542916 | 0.1608182741871626 | 0.08655431492204047 | 0.011147976933557182 | 0.22376093230499464 | 0 | #DIV/0! | 0.11637253048921184 1400 | Télécommunications | 0.08210387538456507 | 0 | 0.0018070214426965372 | 0.001707725963301592 | 0.03693381631896946 | 0.00274660181877565 | 0 | 0 | #DIV/0! | 0.025677736454903736 1500 | Services financiers | 0.006804595348590459 | 0 | 0.032183853260775185 | 0.02866885203803285 | 0.020249091010833335 | 0.1767444904864257 | 0 | 0.13156311098979376 | #DIV/0! | 0.035190901196303755 1510 | Services professionnels | 0.0377485303581386 | 0.017826172765980947 | 0.012785867470074808 | 0.003127628673185802 | 0.008667021783962225 | 0.02877411923563514 | 0 | 0 | #DIV/0! | 0.0140291244510146 1520 | Services médicaux | 7.74478425348028e-05 | 0 | 0.000979536636878108 | 9.470087235718448e-05 | 8.436658101470117e-05 | 0.003208699781165653 | 0 | 0 | #DIV/0! | 0.000460140589986563 1530 | Services d'agence ou de représentation | 6.905978084745815e-05 | 0.0006927081119096216 | 0.0010213372265755315 | 0.0008539710060902821 | 0.0009316311455393388 | 0.0003216340860904091 | 0 | 0 | #DIV/0! | 0.0006776578845712426 1540 | Services d'enseignement | 0.008084487353109428 | 0 | 0.0018850918208745393 | 0.0016454669579791872 | 0.00015392829143494403 | 0.0007068081653818484 | 0 | 0 | #DIV/0! | 0.002162964446282672 1550 | Autres services | 0.006103206549556225 | 0.010880708444773565 | 0.0115739537676733 | 0.005637030664710931 | 0.014132129893652064 | 0.055909209203199584 | 0 | 0 | #DIV/0! | 0.01310097653577908 1560 | Crédit à la consommation | 0.13555105015886504 | 0.018515004019974794 | 0.08230306815834428 | 0.11139613043350163 | 0.05493769731008386 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.0825712125687394 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999990462907496 | 1 | 1 | 1.0000000000000002 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.022503038910399623 | 0.03324762532064085 | 0.04831986966904349 | 0.04984137288440651 | 0.06795749788901494 | 0.026019547878934204 | 0 | 0 | #DIV/0! | 0.04588864410399459 Produits pétroliers | 0 | 0 | 0.01888218701882694 | 0.012769222144139494 | 0.008857231559463823 | 0.027574776561227466 | 0 | 0 | #DIV/0! | 0.01078465682359846 Produits pharmaceutiques | 0 | 0 | 0.0013543527097257542 | 0.002050078376573932 | 0.0029531450673374125 | 0.00180556520736631 | 0 | 0 | #DIV/0! | 0.001751785053227594 Produits alimentaires | 0.019391873922632693 | 0.008002404356289242 | 0.04755648922968822 | 0.057350614798124644 | 0.08258197309098327 | 0.08971951688291495 | 0 | 0 | #DIV/0! | 0.05694402195012545 Matériaux de construction | 0 | 0.10898486857520892 | 0.06035935414024417 | 0.010601319737070807 | 0.03391478886277778 | 0.07759199691045285 | 0 | 0 | #DIV/0! | 0.027878604430836684 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.0821029957097704 | 0.07879255986563319 | 0.019623521775084207 | 0.029838111181563966 | 0.03246549429993069 | 0.0030213118683139824 | 0 | 0.10925525168272894 | #DIV/0! | 0.035887033208669115 S-Total | 0.12399790854280271 | 0.2290274581177722 | 0.1960957745426128 | 0.16245071912187936 | 0.22873013076950788 | 0.22573271530920974 | - | 0.10925525168272894 | #DIV/0! | 0.1791347455704519 (2) Commerce de détail Produits pétroliers | 0.004826372773771613 | 0.0036142388839106284 | 0.022483779074443544 | 0.0017573638254841334 | 0.004853206551641423 | 0.003643941512679087 | 0 | 0.2093012484343466 | #DIV/0! | 0.007128780043391951 Produits pharmaceutiques | 7.513878181191661e-05 | 0 | 6.618857113744045e-05 | 2.9637500918903546e-05 | 1.9811211720782332e-05 | 0.005205072720528859 | 0 | 0 | #DIV/0! | 0.0004896849596067405 Véhicules automobiles | 0.006787477131370995 | 0 | 0.01719765182063335 | 0.05238144854129162 | 0.1064819140031113 | 0.05393693132797835 | 0 | 0 | #DIV/0! | 0.05360516615150968 Produits alimentaires | 0 | 0 | 0.031504357547468796 | 0.020759960406230356 | 0.02391478684599913 | 0.013154733022987208 | 0 | 0.012139472409192104 | #DIV/0! | 0.017718402463155848 Librairie ,papeterie | 3.395523334849676e-05 | 0 | 0 | 0.000710766358208521 | 0.002966183697247943 | 0 | 0 | 0 | #DIV/0! | 0.0010702214914399195 Appareils électro- ménagers électroni.équip. inform. | 0 | 2.50928653952296e-07 | 0.0030813022502235647 | 0.008326847719342364 | 0.010409617297580318 | 0.020196793219286135 | 0 | 0 | #DIV/0! | 0.00749216390851988 Matériaux de construction | 0.0011060214510414425 | 0 | 0.0020292813687671704 | 0.00496918907181219 | 0.01947485800360521 | 2.690857238995991e-06 | 0 | 0 | #DIV/0! | 0.007500579446224574 Autres | 0.002078274453227703 | 0.31281676362801447 | 0.006274051005285213 | 0.08670914543693217 | 0.028039741384273797 | 0.004796062420201468 | 0 | 0 | #DIV/0! | 0.03712217574622385 S-Total | 0.014907239824572168 | 0.31643125344057904 | 0.08263661163795907 | 0.17564435886022028 | 0.19616011899517988 | 0.10093622508090011 | - | 0.22144072084353872 | #DIV/0! | 0.13212717421007245 [Secteur d'activité dec 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3113122.01532 | 741176.05914 | 4326689.38858 | 12433137.388999999 | 16348588.05 | 3763387.3140000002 | 0 | 290670.072 | 0 | 41016770.288040005 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3048533.55852 | 39981.052749999995 | 1093401.44572 | 2304269.6780000003 | 2358604.04 | 3409983.6210000003 | 180985.89 | 115639.3247 | 0 | 12551398.61069 Industries Manufacturières ( 200 à 290 ) | 1354031.3155 | 4395.96035 | 2771368.0170099996 | 5602165.05 | 6754619.460000001 | 1955263.577 | 12084.56 | 346635.067 | 0 | 18800563.00686 Prêts aux Particuliers ( 1560 ) | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5488457.767659999 | 309498.79659 | 3305795.43827 | 6291541.602 | 6137685.62 | 677111.774 | 4518081.21 | 0 | 0 | 26728172.20852 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4095590.0597800002 | 133223.39257999999 | 375405.97187999997 | 332145.05 | 2793526.0999999996 | 97385.512 | 0 | 0 | 0 | 7827276.08624 Bâtiments et Travaux Publics ( 600 ) | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873 Électricité, Gaz et Eau ( 300 à 500 ) | 1356574.7821300002 | 0 | 650084.3008300001 | 2597781.974 | 89540.95 | 197017.55299999999 | 0 | 126020.19311 | 0 | 5017019.753070001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921 Total | 22411861.88266 | 1358752.40064 | 15522736.51393 | 36774085.743 | 38477202.24000001 | 11520492.262 | 4831648.04 | 878964.65681 | 0 | 131775743.73903999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1389051044317123 | 0.5454827964174276 | 0.27873238618057183 | 0.33809507803648564 | 0.42489024924489927 | 0.32666896764588965 | 0 | 0.3306959725262676 | #DIV/0! | 0.3112619145543729 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13602321728024935 | 0.02942482584109372 | 0.0704387042026249 | 0.06266014861942887 | 0.061298740622779735 | 0.29599287456211654 | 0.03745841760444124 | 0.13156311098979376 | #DIV/0! | 0.09524817128367694 Industries Manufacturières ( 200 à 290 ) | 0.060415833480912645 | 0.0032352916895892246 | 0.17853604707668602 | 0.1523400225134456 | 0.1755486123411035 | 0.16972048871985954 | 0.002501125889128298 | 0.39436746894696795 | #DIV/0! | 0.1426708927865465 Prêts aux Particuliers ( 1560 ) | 0.13555105015886498 | 0.018515004019974794 | 0.08230306815834426 | 0.1113961304335016 | 0.054937697310083834 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.08257121256873941 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.244890754565394 | 0.2277816005655039 | 0.2129647330741845 | 0.171086281953253 | 0.1595148623778941 | 0.05877455221539734 | 0.9351014752307993 | 0 | #DIV/0! | 0.20283074449157132 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18274207119528732 | 0.09804832176726906 | 0.024184264903492573 | 0.00903204099542364 | 0.07260211079213848 | 0.008453242256081643 | 0 | 0 | #DIV/0! | 0.05939845880696088 Bâtiments et Travaux Publics ( 600 ) | 0.04094264788638312 | 0.07751215969914182 | 0.11087402144431974 | 0.0844542520976522 | 0.027187557283270908 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.06151960511628116 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06052932100119618 | 0 | 0.04187949078737623 | 0.07064164673337912 | 0.0023271169624416014 | 0.017101487377397622 | 0 | 0.1433734475369707 | #DIV/0! | 0.03807240703573927 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.728417239989427e-05 | 0.0002943986174302318 | 0.021693053065388358 | 0 | 0 | 0 | #DIV/0! | 0.0064265933561117585 Total | 0.9999999999999998 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitésept 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 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 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404 200 | Industrie alimentaire | 711875 | 1209.3326299999999 | 683079.81274 | 548419.683 | 2475484.64 | 553838.089 | 12502.61 | 178142.52417 | 0 | 5164551.69154 210 | Industrie des boissons | 51 | 0 | 850973.3767799999 | 1154645.153 | 3343244.75 | 434112.622 | 0 | 0 | 0 | 5783026.90178 220 | Industrie du bois | 53065 | 0 | 760.76756 | 6790.715 | 0 | 793.77 | 0 | 0 | 0 | 61410.25256 230 | Industrie chimique | 393 | 0 | 75927.22153 | 554452.088 | 4903.48 | 35941.294 | 0 | 171156.54283000002 | 0 | 842773.62636 240 | Industrie du textile | 1544 | 0 | 408234.02288 | 1182492.522 | 58858.4 | 196987.209 | 0 | 0 | 0 | 1848116.15388 250 | Industrie pharmacie | 0 | 0 | 34090.45022 | 0 | 39890.25 | 45174.548 | 0 | 0 | 0 | 119155.24822000001 260 | Imprimerie, édition | 7870 | 433.2793 | 8745.028869999998 | 30729.467 | 58248.55 | 53497.161 | 0 | 0 | 0 | 159523.48617 270 | Sidérurgie, aciérie | 21789 | 0 | 102823.58576999999 | 255383.277 | 0 | 267663.695 | 0 | 0 | 0 | 647659.5577700001 280 | Industrie de la fabrication | 38916 | 2264.6706400000003 | 377027.19513999997 | 1851683.24 | 670843.61 | 328916.55 | 0 | 0 | 0 | 3269651.2657799996 290 | Autres industries | 0 | 0 | 45622.31095000001 | 13873.944 | 394419.15 | 176984.174 | 0 | 0 | 0 | 630899.57895 300 | Production et distribution de l'électricité | 1406570 | 0 | 343924.10704000003 | 2243811.306 | 0 | 5544.425 | 0 | 126020.19311 | 0 | 4125870.0311499997 400 | Production et distribution de gaz | 0 | 0 | 0 | 544390.466 | 95985.36 | 187872.152 | 0 | 0 | 0 | 828247.978 500 | Traitement et distribution de l'eau | 0 | 0 | 487088.35713 | 42511.256 | 32317.51 | 5144.318 | 0 | 0 | 0 | 567061.44113 600 | Entrep/ batiment et corps/ métiers corresp. | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989 700 | Commerce de gros(1) | 2813693 | 317555.24951999995 | 3833285.03477 | 6421470.165 | 8973313.4 | 2559228.717 | 0 | 67187.664 | 0 | 24985733.23029 800 | Commerce de détail(2) | 264299 | 421513.88793 | 1122517.53299 | 6621322.865 | 8414104.71 | 1376473.322 | 0 | 194097.696 | 0 | 18414329.01392 900 | Rest/débits/boissons, casinos/activités/loterie | 130936 | 1943.55173 | 9888.26619 | 4723.91 | 29157.33 | 22527.092 | 0 | 0 | 0 | 199176.14992 1000 | Hotels,motels et pensions | 1564415 | 0 | 152203.06456 | 841343.043 | 643045.92 | 333613.388 | 185067.85 | 0 | 0 | 3719688.2655599997 1100 | Transport | 2270654 | 0 | 318946.04108 | 310153.511 | 1464982.42 | 74229.614 | 0 | 0 | 0 | 4438965.58608 1200 | Immobilier résidentiel / Avance Hypothécaire | 2073695 | 137610.68807 | 1885923.91039 | 414735.715 | 2908558.09 | 561371.501 | 3426750.89 | 0 | 0 | 11408645.79446 1300 | Immobilier commercial | 3424841 | 255104.86381 | 1430176.8571400002 | 5708184.131 | 3782420.89 | 134907.27 | 1050091.56 | 0 | 0 | 15785726.571950002 1400 | Télécommunications | 1867331 | 59016.05629 | 32026.391789999998 | 63429.8 | 1508246.32 | 36344.954 | 0 | 0 | 0 | 3566394.52208 1500 | Services financiers | 263674 | 0 | 405864.32709 | 725263.219 | 798686.14 | 2005081.036 | 0 | 122789.05442 | 0 | 4321357.77651 1510 | Services professionnels | 870888 | 25127.51767 | 231182.70182 | 124469.149 | 426142.98 | 353769.066 | 0 | 0 | 0 | 2031579.4144899999 1520 | Services médicaux | 1908 | 0 | 13844.2611 | 4027.87 | 3618.89 | 39493.89 | 0 | 0 | 0 | 62892.9111 1530 | Services d'agence ou de représentation | 1917 | 941.2188100000001 | 16614.603470000002 | 37025.732 | 22877.01 | 5728.635 | 0 | 0 | 0 | 85104.19928 1540 | Services d'enseignement | 115799 | 0 | 28794.69745 | 49865.33 | 3129.81 | 5999.145 | 0 | 0 | 0 | 203587.98244999998 1550 | Autres services | 157092 | 25710.743469999998 | 122062.56188 | 243080.906 | 450098.94 | 732622.664 | 0 | 0 | 0 | 1730667.8153499998 1560 | Crédit à la consommation | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22278945 | 1395458.516 | 16171913.303030001 | 38412267.787 | 41744659.769999996 | 12004153.155000001 | 4855564.41 | 859393.67453 | 0 | 137722355.61556 (1) Commerce de gros Import-export | 501036 | 46550.6757 | 895359.6263 | 1893911.279 | 2606105.41 | 375707 | 0 | 6318669.991 Produits pétroliers | 0 | 747943.77053 | 410030.404 | 134.55 | 145869 | 0 | 1303977.72453 Produits pharmaceutiques | 0 | 20727.61053 | 76964.916 | 107792.92 | 21945 | 0 | 227430.44653000002 Produits alimentaires | 434961 | 11304.00828 | 819555.66176 | 2219204.942 | 3465507.17 | 1041119 | 0 | 7991651.78204 Matériaux de construction | 150083.17725 | 980770.04851 | 504228.353 | 1363343.76 | 944954 | 0 | 3943379.3387599997 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1877695 | 109617.38829 | 368928.31732 | 1317130.27 | 1430429.6 | 29633 | 67187.664 | 0 | 5200621.2396100005 S-Total | 2813692 | 317555.24952 | 3833285.03495 | 6421470.164000001 | 8973313.41 | 2559227 | 0 | 67187.664 | 0 | 24985730.52247 (2) Commerce de détail Produits pétroliers | 32270 | 4910.8557599999995 | 97699.07176 | 59875.712 | 148040.22 | 30361 | 186632.4 | 559789.25952 Produits pharmaceutiques | 1960 | 1008.03962 | 1632.897 | 924.71 | 58221 | 0 | 63746.64662 Véhicules automobiles | 155331 | 294765.38274000003 | 2209532.797 | 4854818.49 | 706245 | 0 | 8220692.66974 Produits alimentaires | 63 | 605190.56901 | 652044.605 | 958019.86 | 183702 | 7465.296 | 0 | 2406485.33001 Librairie ,papeterie | 761 | 0 | 23328.179 | 120152.44 | 163 | 0 | 144404.619 Appareils électro- ménagers électroni.équip. inform. | 0 | 54657.149560000005 | 311544.733 | 552171.66 | 339460 | 0 | 1257833.54256 Matériaux de construction | 30667 | 0 | 198817.687 | 678348.78 | 172 | 0 | 908005.4670000001 Autres | 43247 | 416603.032 | 69197.32020999999 | 3164546.256 | 1101628.55 | 58150 | 0 | 4853372.15821 S-Total | 264299 | 421513.88776 | 1122517.5329 | 6621322.866 | 8414104.71 | 1376474 | 0 | 194097.696 | 0 | 18414329.692660004 [Secteur d'activité sept 19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 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 | 6.870690061093872e-05 | 0.00030819976747133366 | 0.030858931108734725 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527 200 | Industrie alimentaire | 0.031952814641806424 | 0.0008666202657650339 | 0.042238651663561465 | 0.014277201388916787 | 0.059300630395340274 | 0.04613720616929266 | 0.0025749035424699473 | 0.20728861457751088 | #DIV/0! | 0.03749973392813871 210 | Industrie des boissons | 0 | 0 | 0.052620451324121305 | 0.030059281045384426 | 0.08008796259019074 | 0.03616353576921686 | 0 | 0 | #DIV/0! | 0.04199047333987532 220 | Industrie du bois | 0.002381845280375709 | 0 | 4.704252030942196e-05 | 0.0001767850582958345 | 0 | 6.61246145188823e-05 | 0 | 0 | #DIV/0! | 0.00044589894128315224 230 | Industrie chimique | 1.763997352657408e-05 | 0 | 0.0046950054769199214 | 0.014434245097802978 | 0.00011746364749447328 | 0.002994071596381594 | 0 | 0.19915964929996147 | #DIV/0! | 0.006119366914638967 240 | Industrie du textile | 6.930310209931394e-05 | 0 | 0.025243396698367934 | 0.03078424134073634 | 0.0014099623837945106 | 0.016409921337762205 | 0 | 0 | #DIV/0! | 0.013419144231302985 250 | Industrie pharmacie | 0 | 0 | 0.0021080035232202703 | 0 | 0.0009555773174289307 | 0.0037632432222995905 | 0 | 0 | #DIV/0! | 0.000865184506084194 260 | Imprimerie, édition | 0.0003532483248196896 | 8.92335603885028e-05 | 0.0005407541276121925 | 0.0007999909604503976 | 0.0013953533295260106 | 0.004456554353250418 | 0 | 0 | #DIV/0! | 0.0011582976885415462 270 | Sidérurgie, aciérie | 0.0009780086085763935 | 0 | 0.006358158360318118 | 0.006648482157214115 | 0 | 0.02229759080410533 | 0 | 0 | #DIV/0! | 0.004702646530225532 280 | Industrie de la fabrication | 0.0017467613479902212 | 0.0016228863947109985 | 0.023313703708104806 | 0.04820551731722207 | 0.016070165949276825 | 0.027400229383361275 | 0 | 0 | #DIV/0! | 0.023740889786309984 290 | Autres industries | 0 | 0 | 0.0028210830775015423 | 0.0003611852358452892 | 0.009448373808126022 | 0.014743578469446808 | 0 | 0 | #DIV/0! | 0.004580952570337247 300 | Production et distribution de l'électricité | 0.06313449761647151 | 0 | 0.021266754316297362 | 0.0584139243858802 | 0 | 0.00046187556326625356 | 0 | 0.1466384927477155 | #DIV/0! | 0.029957881657695487 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014172307373745844 | 0.0022993446474075794 | 0.01565059605406209 | 0 | 0 | #DIV/0! | 0.006013896395382478 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030119401953431088 | 0.0011067103935578425 | 0.0007741711198045297 | 0.000428544848901505 | 0 | 0 | #DIV/0! | 0.004117424789864202 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380387 | 0.1076892688798749 | 0.03602586194943134 | 0.10262765528669231 | 0 | 0 | #DIV/0! | 0.07041736729337722 700 | Commerce de gros(1) | 0.12629381687508093 | 0.22756337496169607 | 0.23703348904620877 | 0.16717237838202412 | 0.2149571573810913 | 0.21319527366526672 | 0 | 0.07818031013172717 | #DIV/0! | 0.18142104176634552 800 | Commerce de détail(2) | 0.011863173951908406 | 0.30206121005893094 | 0.06941154778387805 | 0.17237521360925423 | 0.20156122379147617 | 0.11466642454712998 | 0 | 0.22585422926943405 | #DIV/0! | 0.13370617233212306 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005877118508080163 | 0.0013927692638051878 | 0.000611446895906084 | 0.00012297920097283945 | 0.0006984685025736887 | 0.0018766081796129832 | 0 | 0 | #DIV/0! | 0.001446215097249592 1000 | Hotels,motels et pensions | 0.07021943812869057 | 0 | 0.009411568174279227 | 0.021902977654569476 | 0.015404267840317341 | 0.027791497133726792 | 0.038114590678450085 | 0 | #DIV/0! | 0.027008601827456298 1100 | Transport | 0.10191927849366296 | 0 | 0.01972222056250089 | 0.008074334811988538 | 0.035093888130160705 | 0.0061836610247747205 | 0 | 0 | #DIV/0! | 0.032231263880433375 1200 | Immobilier résidentiel | 0.09307868931854718 | 0.09861324180703913 | 0.11661724095668072 | 0.010796959900929371 | 0.06967497414100975 | 0.046764773303994055 | 0.7057368826047558 | 0 | #DIV/0! | 0.08283800943912291 1300 | Immobilier commercial | 0.15372545692805473 | 0.18281078289682384 | 0.08843584740662934 | 0.1486031536240576 | 0.09060849725066523 | 0.011238382937809158 | 0.21626560196325353 | 0 | #DIV/0! | 0.11461992863391393 1400 | Télécommunications | 0.08381595268537177 | 0.012154314371457385 | 0.001980371226946874 | 0.0016512901646870944 | 0.03613028177280555 | 0.0030276982916417976 | 0 | 0 | #DIV/0! | 0.02589553820902745 1500 | Services financiers | 0.011835120558895405 | 0 | 0.0250968651318429 | 0.01888103100347159 | 0.019132654198177935 | 0.167032277088604 | 0 | 0.14287870397365096 | #DIV/0! | 0.03137731530364392 1510 | Services professionnels | 0.03909018133488817 | 0.018006638951924243 | 0.0142953216164401 | 0.003240348882554769 | 0.010208323228597726 | 0.029470555851134502 | 0 | 0 | #DIV/0! | 0.014751268270207181 1520 | Services médicaux | 8.564139819008486e-05 | 0 | 0.0008560682239995754 | 0.00010485894824890204 | 8.66910886311914e-05 | 0.0032900188368181474 | 0 | 0 | #DIV/0! | 0.0004566645031512538 1530 | Services d'agence ou de représentation | 8.604536704947204e-05 | 0.000674487130364827 | 0.0010273740131223098 | 0.0009639038289879555 | 0.0005480224327146313 | 0.00047722108557186264 | 0 | 0 | #DIV/0! | 0.0006179403401838478 1540 | Services d'enseignement | 0.005197687772019725 | 0 | 0.0017805374608708155 | 0.001298161573706307 | 7.497509902450452e-05 | 0.0004997557863964123 | 0 | 0 | #DIV/0! | 0.0014782493484086067 1550 | Autres services | 0.007051141784316987 | 0.018424584590087518 | 0.007547812036385955 | 0.00632821023085408 | 0.010782192081092629 | 0.06103076614736843 | 0 | 0 | #DIV/0! | 0.01256635357139119 1560 | Crédit à la consommation | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012807 | 0.11104685778129479 | 0.056294584815105804 | 0.019854358647592576 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999977108431302 | 0.9696415394103686 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000004 (1) Commerce de gros Import-export | 0.022489215714657944 | 0.03335869548701081 | 0.055365101798575914 | 0.04930485462357844 | 0.06242967182769784 | 0.031298084516983155 | 0 | 0 | #DIV/0! | 0.04587976993828089 Produits pétroliers | 0 | 0 | 0.04624955356332907 | 0.010674464894227569 | 3.223166765313896e-06 | 0.012151544396052816 | 0 | 0 | #DIV/0! | 0.009468163093070676 Produits pharmaceutiques | 0 | 0 | 0.0012817042820849427 | 0.0020036545727208405 | 0.0025821966353038986 | 0.001828117295459481 | 0 | 0 | #DIV/0! | 0.0016513691296774823 Produits alimentaires | 0.019523411005323635 | 0.00810056920387879 | 0.05067771799187462 | 0.05777333830706692 | 0.08301677841175037 | 0.08672989977359215 | 0 | 0 | #DIV/0! | 0.058027266134976684 Matériaux de construction | 0 | 0.10755115650460512 | 0.06064650670160599 | 0.013126753041398086 | 0.03265911777725815 | 0.07871892234283977 | 0 | 0 | #DIV/0! | 0.028632819422342737 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.08428114526967054 | 0.07855295376620139 | 0.022812904719868667 | 0.0342893129169989 | 0.034266169801867336 | 0.002468562306509492 | 0 | 0.07818031013172717 | #DIV/0! | 0.03776163438655583 S-Total | 0.1262937719896521 | 0.2275633749616961 | 0.2370334890573392 | 0.16717237835599078 | 0.2149571576206429 | 0.21319513063143686 | - | 0.07818031013172717 | #DIV/0! | 0.18142102210490432 (2) Commerce de détail Produits pétroliers | 0.0014484527880471898 | 0.0035191700102104643 | 0.0060412809498363385 | 0.0015587653489249065 | 0.0035463271425771646 | 0.0025292079839346233 | 0 | 0.2171675281436866 | #DIV/0! | 0.004064621586074254 Produits pharmaceutiques | 8.797544048876642e-05 | 0 | 6.233273708010367e-05 | 4.250977862214704e-05 | 2.2151575916413323e-05 | 0.004850071408473294 | 0 | 0 | #DIV/0! | 0.0004628634642145044 Véhicules automobiles | 0.006972098544163559 | 0 | 0.018226994989193532 | 0.057521539973950195 | 0.11629795324116977 | 0.058833387985043575 | 0 | 0 | #DIV/0! | 0.059690328654320654 Produits alimentaires | 2.827782015710349e-06 | 0 | 0.037422323362110176 | 0.016974905220791824 | 0.022949518939150287 | 0.015303203618614609 | 0 | 0.008686701125747464 | #DIV/0! | 0.01747345461275361 Librairie ,papeterie | 3.415781133262818e-05 | 0 | 0 | 0.000607310641729282 | 0.0028782709132617757 | 0 | 0 | 0 | #DIV/0! | 0.0010485198162242663 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003379757764949144 | 0.008110552980822371 | 0.01322736041070386 | 0.02827854623452611 | 0 | 0 | #DIV/0! | 0.009133110865973954 Matériaux de construction | 0.0013765014456474487 | 0 | 0 | 0.0051758903718589246 | 0.016249953496746395 | 1.4328374336706802e-05 | 0 | 0 | #DIV/0! | 0.00659301435080459 Autres | 0.0019411601402131026 | 0.29854203992689665 | 0.00427885797514355 | 0.08238373931858792 | 0.02638968807195048 | 0.004844156788834306 | 0 | 0 | #DIV/0! | 0.03524026391007838 S-Total | 0.011863173951908404 | 0.3020612099371071 | 0.06941154777831283 | 0.17237521363528757 | 0.20156122379147617 | 0.11465290239376322 | - | 0.22585422926943405 | #DIV/0! | 0.1337061772604442 [Secteur d'activité sept 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3077992 | 739069.13745 | 4955802.56776 | 13042793.030000001 | 17387418.11 | 3935702.039 | 0 | 261285.36 | 0 | 43400062.24421 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3106629 | 53723.03168 | 980454.4835599998 | 2029799.1590000002 | 2376757.02 | 3498834.9159999997 | 185067.85 | 122789.05442 | 0 | 12354054.514659999 Industries Manufacturières ( 200 à 290 ) | 835503 | 3907.2825700000003 | 2587283.77244 | 5598470.089000001 | 7045892.830000002 | 2093909.1120000002 | 12502.61 | 349299.06700000004 | 0 | 18526767.763010003 Prêts aux Particuliers ( 1560 ) | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5498536 | 392715.55188000004 | 3316100.7675300003 | 6122919.846 | 6690978.98 | 696278.7710000001 | 4476842.45 | 0 | 0 | 27194372.366410002 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4137985 | 59016.05629 | 350972.43287 | 373583.311 | 2973228.74 | 110574.568 | 0 | 0 | 0 | 8005360.108159999 Bâtiments et Travaux Publics ( 600 ) | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989 Électricité, Gaz et Eau ( 300 à 500 ) | 1406570 | 0 | 831012.46417 | 2830713.028 | 128302.87 | 198560.895 | 0 | 126020.19311 | 0 | 5521179.45028 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404 Total | 22278945 | 1395458.516 | 16171913.30303 | 38412267.787 | 41744659.77 | 12004153.155 | 4855564.41 | 859393.6745300001 | 0 | 137722355.61556 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.13815699082698935 | 0.529624585020627 | 0.3064450368300869 | 0.3395475919912784 | 0.41651838117256734 | 0.32786169821239675 | 0 | 0.30403453940116115 | #DIV/0! | 0.31512721409846856 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13944237485213057 | 0.03849847993618178 | 0.06062699355284697 | 0.052842471323365926 | 0.05693559447112964 | 0.29146870010923315 | 0.038114590678450085 | 0.14287870397365093 | #DIV/0! | 0.08970260826169188 Industries Manufacturières ( 200 à 290 ) | 0.037501910436064184 | 0.0027999990864651402 | 0.159986250480037 | 0.14574692960186825 | 0.1687854894211778 | 0.17443205571963566 | 0.0025749035424699473 | 0.40644826387747235 | #DIV/0! | 0.13452258843673764 Prêts aux Particuliers ( 1560 ) | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012809 | 0.11104685778129479 | 0.0562945848151058 | 0.01985435864759258 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24680414624660188 | 0.281424024703863 | 0.2050530883633101 | 0.15940011352498695 | 0.16028347139167498 | 0.05800315624180322 | 0.9220024845680093 | 0 | #DIV/0! | 0.19745793807303683 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18573523117903473 | 0.04229151609548814 | 0.02170259178944777 | 0.009725624976675631 | 0.07122416990296625 | 0.00921135931641652 | 0 | 0 | #DIV/0! | 0.058126802089460826 Bâtiments et Travaux Publics ( 600 ) | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380388 | 0.1076892688798749 | 0.03602586194943133 | 0.10262765528669232 | 0 | 0 | #DIV/0! | 0.07041736729337722 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06313449761647151 | 0 | 0.05138615626972846 | 0.0736929421531839 | 0.0030735157672121083 | 0.01654101646622985 | 0 | 0.1466384927477155 | #DIV/0! | 0.04008920284294217 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.870690061093873e-05 | 0.00030819976747133366 | 0.03085893110873472 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527 Total | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activité juin 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 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 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998 200 | Industrie alimentaire | 1028133.443582464 | 1209.3326299999999 | 717573.5675700001 | 449070.618 | 2337244.59 | 600071.853 | 13124.73 | 177846.11216999998 | 0 | 5324274.246952464 210 | Industrie des boissons | 112.95727000000001 | 0 | 669321.09518 | 1293778.82 | 2012404.17 | 440037.061 | 0 | 0 | 0 | 4415654.10345 220 | Industrie du bois | 52294.515928128 | 0 | 153.56659 | 1372.087 | 0 | 943.204 | 0 | 0 | 0 | 54763.373518128 230 | Industrie chimique | 0 | 0 | 72596.33784000001 | 391553.32 | 13063.24 | 23238.905 | 0 | 170871.75483000002 | 0 | 671323.55767 240 | Industrie du textile | 7098.49261 | 0 | 415820.12357 | 1161791.434 | 123068.5 | 121573.69 | 0 | 0 | 0 | 1829352.2401799997 250 | Industrie pharmacie | 0 | 0 | 16228.457980000001 | 0 | 19593.31 | 63660.14 | 0 | 0 | 0 | 99481.90798 260 | Imprimerie, édition | 97984.410306064 | 0 | 7744.31192 | 133845.491 | 131494.61 | 77675.588 | 0 | 0 | 0 | 448744.41122606397 270 | Sidérurgie, aciérie | 21367.237100000002 | 0 | 109462.60547 | 276197.892 | 0 | 328038.816 | 0 | 0 | 0 | 735066.55057 280 | Industrie de la fabrication | 40596.918880000005 | 2438.73056 | 380026.62731 | 1459836.656 | 802775.5 | 291545.609 | 0 | 0 | 0 | 2977220.04175 290 | Autres industries | 0 | 0 | 47112.48365 | 1353.79 | 1963003.51 | 121568.788 | 0 | 0 | 0 | 2133038.5716500003 300 | Production et distribution de l'électricité | 1284192.171060048 | 0 | 363381.89041000005 | 2790333.834 | 0 | 5461.607 | 0 | 55815.36 | 0 | 4499184.862470048 400 | Production et distribution de gaz | 0 | 0 | 4.41965 | 573896.145 | 84472.47 | 191911.698 | 0 | 0 | 0 | 850284.73265 500 | Traitement et distribution de l'eau | 0 | 0 | 477765.12544 | 46682.032 | 51883.37 | 8823.588 | 0 | 0 | 0 | 585154.11544 600 | Entrep/ batiment et corps/ métiers corresp. | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999 700 | Commerce de gros(1) | 2790374.5146318716 | 320375.87580000004 | 3206367.5566100003 | 5692375.329 | 7540497.99 | 2326418.183 | 0 | 80190 | 0 | 21956599.449041873 800 | Commerce de détail(2) | 285660.9283142239 | 441852.75201 | 1132191.92213 | 6536042.906 | 7636465.83 | 1382924.112 | 0 | 194961.2 | 0 | 17610099.650454223 900 | Rest/débits/boissons, casinos/activités/loterie | 130842.34307999999 | 34.29018 | 10740.01753 | 2954.185 | 22219.08 | 21814.921 | 0 | 0 | 0 | 188604.83679 1000 | Hotels,motels et pensions | 1426934.6976499998 | 0 | 156184.42784 | 858092.57 | 38257.32 | 335101.712 | 168310.15 | 0 | 0 | 2982880.8774899994 1100 | Transport | 2278121.38308 | 146743.20629 | 318642.00467 | 318060.748 | 1478475.41 | 77524.593 | 0 | 0 | 0 | 4617567.345040001 1200 | Immobilier résidentiel / Avance Hypothécaire | 2085529.9400100005 | 257709.35161 | 1874958.14502 | 427160.685 | 2769893.14 | 461379.767 | 3440071.98 | 0 | 0 | 11316703.008639999 1300 | Immobilier commercial | 3440790.9073317274 | 60059.12648 | 1449671.8254200001 | 5186527.35 | 4849050.19 | 186852.203 | 919960.3 | 0 | 0 | 16092911.902231729 1400 | Télécommunications | 3569.68165 | 0 | 30318.54148 | 38513.403 | 1500004.52 | 34986.508 | 0 | 0 | 0 | 1607392.65413 1500 | Services financiers | 258271.943396464 | 0 | 369340.56861 | 1507067.808 | 1813906.89 | 1958035.092 | 0 | 160026.11051 | 0 | 6066648.412516464 1510 | Services professionnels | 888792.1279190399 | 25906.20001 | 557606.3703099999 | 136197.814 | 343273.76 | 401386.156 | 0 | 0 | 0 | 2353162.42823904 1520 | Services médicaux | 2077.17025 | 0 | 8967.43273 | 4495.739 | 4584.51 | 38099.967 | 0 | 0 | 0 | 58224.81898 1530 | Services d'agence ou de représentation | 1625.0115600000001 | 941.2188100000001 | 14153.83679 | 32401.215 | 30820.31 | 3420.404 | 0 | 0 | 0 | 83361.99616 1540 | Services d'enseignement | 110728.17501999998 | 0 | 23569.8477 | 85128.237 | 4599.82 | 7215.278 | 0 | 0 | 0 | 231241.35771999997 1550 | Autres services | 188932.48433284805 | 25322.85698 | 178220.80933000002 | 346233.874 | 567401.24 | 584996.412 | 0 | 0 | 0 | 1891107.6766428482 1560 | Crédit à la consommation | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 20555621.815342862 | 1442244.5385399999 | 15689844.268349998 | 36955071.989999995 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274285 (1) Commerce de gros Import-export | 508908 | 47438.8891 | 1140637.59801 | 1549272.247 | 2180752.72 | 241434 | 0 | 5668443.45411 Produits pétroliers | 0 | 361695.25393 | 179731.343 | 351.73 | 135257 | 0 | 677035.32693 Produits pharmaceutiques | 0 | 19382.305170000003 | 83347.608 | 107613.61 | 21463 | 0 | 231806.52317 Produits alimentaires | 417929 | 11234.01665 | 662081.46881 | 2027839.647 | 2643078.59 | 1026626 | 0 | 6788788.72246 Matériaux de construction | 149646.90081 | 638621.04038 | 349173.299 | 1370981.93 | 865325 | 0 | 3373748.17019 Appareils électroménagers électron.,équipe.inform. | 112056.06924 | 0 | 0 | 0 | 0 | 0 | 112056.06924 Autres | 2790375 | 0 | 383949.89032 | 1503011.183 | 1237719.41 | 36313 | 30190 | 0 | 5981558.483320001 S-Total | 3717212 | 320375.8758 | 3206367.55662 | 5692375.327 | 7540497.99 | 2326418 | 0 | 30190 | 0 | 22833436.749420002 (2) Commerce de détail Produits pétroliers | 34467 | 4910.85576 | 57805.35254 | 44069.575 | 121151.52 | 33315 | 186051.2 | 481770.50330000004 Produits pharmaceutiques | 2230 | 1162.62956 | 1785.127 | 1000.7 | 63039 | 0 | 69217.45656 Véhicules automobiles | 168373 | 325406.21855 | 2244150.71 | 5286612.56 | 751518 | 0 | 8776060.48855 Produits alimentaires | 286 | 612286.46949 | 450868.908 | 497833.82 | 89199 | 8910 | 0 | 1659384.1974900002 Librairie ,papeterie | 761 | 0 | 27480.784 | 155154.49 | 0 | 0 | 183396.27399999998 Appareils électro- ménagers électroni.équip. inform. | 31803 | 55364.38193 | 393914.663 | 301381.12 | 324149 | 0 | 1106612.16493 Matériaux de construction | 0 | 0 | 204216.712 | 269215.15 | 6 | 0 | 473437.862 Autres | 47740 | 436941.89625 | 80166.87006 | 3169556.426 | 1004116.47 | 121698 | 0 | 4860219.66231 S-Total | 285660 | 441852.75201 | 1132191.92213 | 6536042.904999999 | 7636465.83 | 1382924 | 0 | 194961.2 | 0 | 17610098.60914 [Secteur d'activité juin 19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 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 | 0.008472288749108105 | 0.0003983054343388387 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138716 200 | Industrie alimentaire | 0.050017141433058375 | 0.0008385073388623962 | 0.045734906943436654 | 0.01215179930163627 | 0.0562734952333167 | 0.05172088928960822 | 0.0027092464240669094 | 0.21179454612701232 | #DIV/0! | 0.03989335077354298 210 | Industrie des boissons | 0 | 0 | 0.04265951170274988 | 0.03500950614708843 | 0.04845236007926823 | 0.03792730487444739 | 0 | 0 | #DIV/0! | 0.0330853051276226 220 | Industrie du bois | 0.002544049331025102 | 0 | 9.78764271802104e-06 | 3.712851649622778e-05 | 0 | 8.129584718501307e-05 | 0 | 0 | #DIV/0! | 0.0004103271860106984 230 | Industrie chimique | 0 | 0 | 0.004626963569450043 | 0.01059538782946909 | 0.0003145217137380012 | 0.0020029881866775756 | 0 | 0.20348887765144325 | #DIV/0! | 0.005030046336174619 240 | Industrie du textile | 0.00034533095976214327 | 0 | 0.02650250164743854 | 0.03143794265410657 | 0.0029631022263362844 | 0.010478577406327955 | 0 | 0 | #DIV/0! | 0.013706842889928047 250 | Industrie pharmacie | 0 | 0 | 0.0010343288118376363 | 0 | 0.0004717452514843115 | 0.005486941333175579 | 0 | 0 | #DIV/0! | 0.0007453911024472625 260 | Imprimerie, édition | 0.004766793784507542 | 0 | 0.000493587558139251 | 0.003621843600689466 | 0.003165976441105737 | 0.0066949490587974985 | 0 | 0 | #DIV/0! | 0.0033623208299150224 270 | Sidérurgie, aciérie | 0.001039483859546946 | 0 | 0.006976653406994682 | 0.007473883208094923 | 0 | 0.02827404618331625 | 0 | 0 | #DIV/0! | 0.005507655388069474 280 | Industrie de la fabrication | 0.0019749788765669046 | 0.001690927228241581 | 0.024221185424803775 | 0.039503012100613154 | 0.01932830798537582 | 0.025128654327934968 | 0 | 0 | #DIV/0! | 0.02230750670357335 290 | Autres industries | 0 | 0 | 0.003002737493388424 | 3.6633401779499556e-05 | 0.04726294763312254 | 0.010478154897260032 | 0 | 0 | #DIV/0! | 0.015982282655901344 300 | Production et distribution de l'électricité | 0.06247401234544595 | 0 | 0.023160324869700866 | 0.07550611279434286 | 0 | 0.00047074224457974915 | 0 | 0.06646976250352855 | #DIV/0! | 0.03371117857354331 400 | Production et distribution de gaz | 0 | 0 | 2.8168858303555275e-07 | 0.015529563713346187 | 0.002033831272186831 | 0.01654109193093369 | 0 | 0 | #DIV/0! | 0.00637095414767757 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030450597040262626 | 0.0012632104197397346 | 0.0012491882907228835 | 0.0007605152879668821 | 0 | 0 | #DIV/0! | 0.004384401948714758 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04697429008882037 | 0.09278437322804162 | 0.09973994313358286 | 0.0837138863330354 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328124 700 | Commerce de gros(1) | 0.13574751178527308 | 0.22213700051471166 | 0.20435942522883904 | 0.154035022054357 | 0.1815514642808946 | 0.20051668259846628 | 0 | 0.09549719387562769 | #DIV/0! | 0.16451487714333518 800 | Commerce de détail(2) | 0.013896973338019118 | 0.3063646560640073 | 0.07216081324745141 | 0.17686456970693082 | 0.18386206789075973 | 0.119195833857386 | 0 | 0.23217667433127603 | #DIV/0! | 0.1319477265685051 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006365282658700129 | 2.377556585148336e-05 | 0.0006845203398012732 | 7.993990651132811e-05 | 0.0005349655307015526 | 0.0018802533534305755 | 0 | 0 | #DIV/0! | 0.0014131651681836199 1000 | Hotels,motels et pensions | 0.06941822098443773 | 0 | 0.009954491910098794 | 0.023219886304975915 | 0.000921115883151738 | 0.02888280538482477 | 0.034743089726163134 | 0 | #DIV/0! | 0.022349921818830883 1100 | Transport | 0.1108271694986913 | 0.10174641149173619 | 0.020308806079915896 | 0.00860668727924727 | 0.03559703562613058 | 0.006681934624543931 | 0 | 0 | #DIV/0! | 0.03459818658319067 1200 | Immobilier résidentiel | 0.10145788625345044 | 0.17868630785101258 | 0.11950138656265819 | 0.011558919033240939 | 0.06669031092316557 | 0.03976685746910418 | 0.71011005257615 | 0 | #DIV/0! | 0.08479300309936035 1300 | Immobilier commercial | 0.16738928835339326 | 0.0416428177573815 | 0.09239555222000001 | 0.1403468338907165 | 0.11674987030479274 | 0.01610500818621533 | 0.18990098486281404 | 0 | #DIV/0! | 0.12057984801420149 1400 | Télécommunications | 0.00017365962859540275 | 0 | 0.0019323672664590705 | 0.001042168257997757 | 0.036115388850327175 | 0.0030155277203078416 | 0 | 0 | #DIV/0! | 0.012043759582581257 1500 | Services financiers | 0.012564540528941235 | 0 | 0.023540104177773413 | 0.040781081644430596 | 0.04367317017860562 | 0.16876531654035076 | 0 | 0.19057294551111226 | #DIV/0! | 0.04545576014962134 1510 | Services professionnels | 0.043238396576047104 | 0.01796241852038846 | 0.03553931834969321 | 0.0036854971906658714 | 0.008264951977953964 | 0.034595938524810986 | 0 | 0 | #DIV/0! | 0.01763161133756308 1520 | Services médicaux | 0.00010105119994227494 | 0 | 0.0005715437691175407 | 0.00012165418054703133 | 0.00011038057494534312 | 0.003283880364148202 | 0 | 0 | #DIV/0! | 0.0004362628631732691 1530 | Services d'agence ou de représentation | 7.905436160472071e-05 | 0.0006526069503808323 | 0.0009021018021543734 | 0.0008767731533243323 | 0.0007420560840294182 | 0.000294808589546914 | 0 | 0 | #DIV/0! | 0.0006246089513321259 1540 | Services d'enseignement | 0.0053867587181114455 | 0 | 0.0015022359238801221 | 0.0023035603075820177 | 0.00011074919157011069 | 0.000621893182901458 | 0 | 0 | #DIV/0! | 0.0017326291188239488 1550 | Autres services | 0.009191280421000326 | 0.017557949642599865 | 0.011358991605130979 | 0.009369048830257739 | 0.01366123644531272 | 0.05042151953737786 | 0 | 0 | #DIV/0! | 0.014169559717558743 1560 | Crédit à la consommation | 0.15402134981423216 | 0.017912247846784624 | 0.08820274183483243 | 0.11083014280443837 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919808 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.999994504799173 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.024757606681601207 | 0.03289240335624562 | 0.07269910258516248 | 0.04192312891229738 | 0.05250566342907331 | 0.020809476602374935 | 0 | 0 | #DIV/0! | 0.0424721178072747 Produits pétroliers | 0 | 0 | 0.02305282625778651 | 0.004863509481151467 | 8.468551628314812e-06 | 0.011657957772341205 | 0 | 0 | #DIV/0! | 0.005072843082558814 Produits pharmaceutiques | 0 | 0 | 0.0012353408254725984 | 0.002255376691528399 | 0.002590997106287024 | 0.0018499208740971578 | 0 | 0 | #DIV/0! | 0.0017368637510942237 Produits alimentaires | 0.02033161554315301 | 0.0077892592759424275 | 0.04219809052825143 | 0.05487310774414758 | 0.06363701560034263 | 0.08848608616180724 | 0 | 0 | #DIV/0! | 0.050866562703374495 Matériaux de construction | 0 | 0.10375972784857221 | 0.04070282849577064 | 0.009448589332865754 | 0.033008930872236324 | 0.07458336580991115 | 0 | 0 | #DIV/0! | 0.02527858501128597 Appareils électroménagers électron.,équipe.inform. | 0 | 0.07769561003395138 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0008396059010398402 Autres | 0.13574753539770051 | 0 | 0.024471236537032728 | 0.04067130983824665 | 0.029800388721327002 | 0.0031298596049522476 | 0 | 0.03595286548329218 | #DIV/0! | 0.044818204262136126 S-Total | 0.1808367576224547 | 0.22213700051471164 | 0.2043594252294764 | 0.15403502200023722 | 0.1815514642808946 | 0.20051666682548394 | - | 0.03595286548329218 | #DIV/0! | 0.17108478251876416 (2) Commerce de détail Produits pétroliers | 0.0016767675679980444 | 0.0034050090874126757 | 0.003684252791253423 | 0.001192517633626182 | 0.0029169473800040213 | 0.0028714585062920754 | 0 | 0.22156587501176186 | #DIV/0! | 0.003609776429434335 Produits pharmaceutiques | 0.00010848613678694518 | 0 | 7.41007711813488e-05 | 4.830533141656586e-05 | 2.4093707145977403e-05 | 0.005433404555850101 | 0 | 0 | #DIV/0! | 0.0005186277314285774 Véhicules automobiles | 0.008191092515349023 | 0 | 0.020739926603759777 | 0.06072646024359701 | 0.12728499531816317 | 0.06477420842658285 | 0 | 0 | #DIV/0! | 0.06575665400405548 Produits alimentaires | 1.39134686641553e-05 | 0 | 0.03902438156923723 | 0.012200460822319726 | 0.011986271876129937 | 0.0076881653100029064 | 0 | 0.010610799319514188 | #DIV/0! | 0.012433318192884915 Librairie ,papeterie | 3.702150228469295e-05 | 0 | 0 | 0.0007436268560763803 | 0.0037356319021120007 | 0 | 0 | 0 | #DIV/0! | 0.0013741388121452493 Appareils électro- ménagers électroni.équip. inform. | 0.0015471679857557029 | 0 | 0.0035286763197313956 | 0.01065928549960863 | 0.007256309028286872 | 0.027938778428817947 | 0 | 0 | #DIV/0! | 0.00829154645651303 Matériaux de construction | 0 | 0 | 0 | 0.00552608075165598 | 0.006481853685780333 | 5.171469619616525e-07 | 0 | 0 | #DIV/0! | 0.0035473421958030975 Autres | 0.0023224790000936153 | 0.3029596469765946 | 0.005109475192288231 | 0.08576783254157044 | 0.024175964993137407 | 0.010489291829468197 | 0 | 0 | #DIV/0! | 0.03641631494395381 S-Total | 0.013896928176932178 | 0.3063646560640073 | 0.0721608132474514 | 0.1768645696798709 | 0.1838620678907597 | 0.11919582420397605 | - | 0.23217667433127606 | #DIV/0! | 0.13194771876621847 [Secteur d'activité juin19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3076035.4429461 | 762228.62781 | 4338559.47874 | 12228418.235 | 15176963.82 | 3709342.295 | 0 | 275151.2 | 0 | 39566699.099496104 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3008203.9532083515 | 52204.56598 | 1318783.3108400002 | 2972571.4420000003 | 2825062.9299999997 | 3350069.9420000003 | 168310.15 | 160026.11051 | 0 | 13855232.40453835 Industries Manufacturières ( 200 à 290 ) | 1247587.975676656 | 3648.06319 | 2436039.17708 | 5168800.108 | 7402647.43 | 2068353.6539999996 | 13124.73 | 348717.86699999997 | 0 | 18688919.004946653 Prêts aux Particuliers ( 1560 ) | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5526320.847341727 | 317768.47809 | 3324629.9704400003 | 5613688.034999999 | 7618943.33 | 648231.97 | 4360032.28 | 0 | 0 | 27409614.91087173 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2281691.06473 | 146743.20629 | 348960.54615 | 356574.151 | 2978479.9299999997 | 112511.101 | 0 | 0 | 0 | 6224959.99917 Bâtiments et Travaux Publics ( 600 ) | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999 Électricité, Gaz et Eau ( 300 à 500 ) | 1284192.171060048 | 0 | 841151.4355 | 3410912.011 | 136355.84 | 206196.89299999998 | 0 | 55815.36 | 0 | 5934623.710560048 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998 Total | 20555621.815342866 | 1442244.53854 | 15689844.268350003 | 36955071.99 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274288 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1496444851232924 | 0.5285016565787188 | 0.27652023847629037 | 0.33089959176128775 | 0.36541353217165434 | 0.31971251645585225 | 0 | 0.32767386820690375 | #DIV/0! | 0.29646260371184024 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14634458544878493 | 0.03619675067922064 | 0.0840533078776497 | 0.08043744151829482 | 0.06801862586627046 | 0.28874641547739155 | 0.034743089726163134 | 0.19057294551111226 | #DIV/0! | 0.10381351912508698 Industries Manufacturières ( 200 à 290 ) | 0.06069327344529404 | 0.0025294345671039767 | 0.15526216420095684 | 0.1398671367599736 | 0.17823245656374762 | 0.17827380140473045 | 0.0027092464240669094 | 0.4152834237784555 | #DIV/0! | 0.14003102899318534 Prêts aux Particuliers ( 1560 ) | 0.15402134981423213 | 0.017912247846784624 | 0.0882027418348324 | 0.11083014280443836 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919805 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.26884717460684365 | 0.22032912560839404 | 0.21189693878265814 | 0.15190575292395742 | 0.1834401812279583 | 0.05587186565531951 | 0.900011037438964 | 0 | #DIV/0! | 0.2053728511135618 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11100082912728669 | 0.10174641149173617 | 0.02224117334637496 | 0.009648855537245024 | 0.07171242447645775 | 0.009697462344851773 | 0 | 0 | #DIV/0! | 0.04664194616577191 Bâtiments et Travaux Publics ( 600 ) | 0.04697429008882036 | 0.0927843732280416 | 0.09973994313358284 | 0.08371388633303539 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328122 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06247401234544594 | 0 | 0.05361120359854651 | 0.09229888692742876 | 0.0032830195629097144 | 0.01777234946348032 | 0 | 0.06646976250352855 | #DIV/0! | 0.04446653466993563 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.008472288749108103 | 0.00039830543433883866 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138714 Total | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 | #DIV/0! | 1 [Secteur d' activité mars 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 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 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154 200 | Industrie alimentaire | 847222 | 1209.3326299999999 | 628419.25241 | 372290.723 | 1609119.45 | 582148.378 | 13548.62 | 167218.22217 | 0 | 4221175.97821 210 | Industrie des boissons | 200 | 0 | 500545.69093 | 1350918.479 | 3857342.1 | 410293.888 | 0 | 0 | 0 | 6119300.157930001 220 | Industrie du bois | 45600 | 0 | 96.53982 | 12156.266 | 852.01 | 28963.797 | 0 | 0 | 0 | 87668.61282 230 | Industrie chimique | 28 | 0 | 13386.478939999999 | 471919.235 | 15861.86 | 9205.686 | 0 | 160660.64483 | 0 | 671061.9047699999 240 | Industrie du textile | 13830 | 0 | 386817.95548 | 1088543.565 | 68831.81 | 179209.008 | 0 | 33042.44 | 0 | 1770274.7784799999 250 | Industrie pharmacie | 0 | 0 | 18320.701129999998 | 0 | 26193.49 | 147411.154 | 0 | 0 | 0 | 191925.34513 260 | Imprimerie, édition | 4143 | 0 | 4132.34918 | 93187.506 | 111128.75 | 55545.629 | 0 | 0 | 0 | 268137.23418 270 | Sidérurgie, aciérie | 19275 | 0 | 96864.66437 | 287897.964 | 0 | 348072.793 | 0 | 0 | 0 | 752110.42137 280 | Industrie de la fabrication | 42414 | 2664.82652 | 328870.52189 | 1334172.019 | 641096.67 | 261382.786 | 0 | 0 | 0 | 2610600.8234099997 290 | Autres industries | 0 | 0 | 44140.562439999994 | 3572.031 | 271547.03 | 106744.424 | 0 | 0 | 0 | 426004.04744 300 | Production et distribution de l'électricité | 835624 | 0 | 374041.55511 | 2250900.74 | 0 | 5004.494 | 0 | 178429.176 | 0 | 3643999.96511 400 | Production et distribution de gaz | 0 | 0 | 7308.42373 | 530560.475 | 40854.57 | 171126.452 | 0 | 0 | 0 | 749849.9207299999 500 | Traitement et distribution de l'eau | 0 | 0 | 486723.61318 | 42486.938 | 36821.2 | 11019.794 | 0 | 0 | 0 | 577051.5451799999 600 | Entrep/ batiment et corps/ métiers corresp. | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317 700 | Commerce de gros(1) | 2307209 | 298220.53396 | 2761292.86391 | 6005539.1 | 5925972.14 | 2056406.556 | 0 | 38700 | 0 | 19393340.19387 800 | Commerce de détail(2) | 337200 | 424631.10247000004 | 1122466.50881 | 6184274.206 | 7418369.19 | 1224199.433 | 0 | 48907.294 | 0 | 16760047.73428 900 | Rest/débits/boissons, casinos/activités/loterie | 118135 | 34.29018 | 10856.44436 | 3571.791 | 23362.91 | 25845.508 | 0 | 0 | 0 | 181805.94354 1000 | Hotels,motels et pensions | 948195 | 0 | 58313.318049999994 | 811556.416 | 43423.36 | 321419.163 | 166765.37 | 0 | 0 | 2349672.6270500002 1100 | Transport | 1984910 | 141709.12316 | 271416.53914 | 320847.326 | 1409393.34 | 83409.874 | 0 | 0 | 0 | 4211686.2023 1200 | Immobilier résidentiel / Avance Hypothécaire | 2040519 | 269481.10802999994 | 1622116.87545 | 474152.812 | 2656904.16 | 360553.54 | 3745497.44 | 0 | 0 | 11169224.93548 1300 | Immobilier commercial | 3376706 | 60464.05072 | 1633457.226 | 4879002.443 | 4459777.43 | 176950.643 | 540143 | 0 | 0 | 15126500.79272 1400 | Télécommunications | 9064 | 0 | 33542.66662 | 36144.098 | 1506010.77 | 32833.183 | 0 | 0 | 0 | 1617594.71762 1500 | Services financiers | 337317 | 0 | 629472.46057 | 1511713.274 | 1800869.3 | 1929605.947 | 0 | 201853.98868 | 0 | 6410831.97025 1510 | Services professionnels | 820020 | 24867.21817 | 226449.55718 | 126335.376 | 259896.89 | 329234.217 | 0 | 0 | 0 | 1786803.25835 1520 | Services médicaux | 2339 | 0 | 5100.435769999999 | 4693.75 | 3935.29 | 40875.743 | 0 | 0 | 0 | 56944.21877000001 1530 | Services d'agence ou de représentation | 1258 | 941.2188100000001 | 17377.773149999997 | 31677.65 | 19342.18 | 11399.556 | 0 | 0 | 0 | 81996.37796 1540 | Services d'enseignement | 46035 | 0 | 22732.41923 | 50537.16 | 7558.15 | 8003.806 | 0 | 0 | 0 | 134866.53523 1550 | Autres services | 200797 | 9840.29603 | 34533.685359999996 | 619333.164 | 396406.88 | 487404.507 | 0 | 0 | 0 | 1748315.53239 1560 | Crédit à la consommation | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 18211433 | 1377947.49883 | 14162801.033789998 | 36741983.645 | 37961418.75 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.7663 (1) Commerce de gros Import-export | 455229.904172949 | 46692.91004 | 1239023.95009 | 1407079.21 | 1584484.42 | 201263 | 0 | 4933773.394302949 Produits pétroliers | 263738.48050999996 | 1072461.139 | 564 | 128100 | 0 | 1464863.6195099999 Produits pharmaceutiques | 16534.92931 | 87996.935 | 90721.27 | 20396 | 0 | 215649.13431 Produits alimentaires | 250628.150877273 | 11546.014 | 823948.42317 | 2057910.48 | 1935265.21 | 958846 | 0 | 6038144.278047273 Matériaux de construction | 0 | 134004.1537 | 76924.63028 | 238059.791 | 1312853.13 | 109863 | 0 | 1871704.70498 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1601351.07174 | 105977.45558 | 341122.45055 | 1142031.546 | 1002084.1 | 37937 | 38700 | 0 | 4269203.62387 S-Total | 2307209.126790222 | 298220.53332 | 2761292.8639100003 | 6005539.101000001 | 5925972.129999999 | 1456405 | 0 | 38700 | 0 | 18793338.755020224 (2) Commerce de détail Produits pétroliers | 31061.75745 | 4910.8557599999995 | 58753.59335 | 53139.222 | 163308.61 | 40902 | 352076.03856 Produits pharmaceutiques | 2497.00887 | 1043.9993 | 2724.544 | 1242.46 | 48413 | 0 | 55921.01217 Véhicules automobiles | 230162.11278 | 304309.84517000004 | 2285312.93 | 5063512.93 | 613979 | 0 | 8497276.81795 Produits alimentaires | 553.33561 | 638510.57326 | 508156.663 | 450501.22 | 84451 | 0 | 1682172.7918699998 Librairie ,papeterie | 945.96859 | 7484.6896 | 28629.42 | 37786.21 | 17 | 0 | 74863.28818999999 Appareils électro- ménagers électroni.équip. inform. | 29.98775 | 47434.53991 | 226021.495 | 303233.73 | 310305 | 44607.294 | 0 | 931632.04666 Matériaux de construction | 29004.92313 | 0 | 188222.876 | 515128.98 | 63 | 0 | 732419.7791299999 Autres | 42945.17213299 | 419720.24671 | 68671.61301999999 | 2892067.057 | 883655.06 | 126068 | 4300 | 0 | 4437427.14886299 S-Total | 337200.26631299 | 424631.10247 | 1126208.85361 | 6184274.207 | 7418369.200000001 | 1224198 | 0 | 48907.294 | 0 | 16763788.923392989 [Non apparentés déc. 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2015 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 | 1271385500 | 1 | 407756000 | 1 | 777875000 | 8 | 2457016500 | 0.5174509410091467 | 0.16595574347994815 | 0.3165933155109052 | 1 BPH | 24 | 90763000 | 6 | 46317000 | 10 | 399638000 | 40 | 536718000 | 0.16910742699145548 | 0.08629671447575822 | 0.7445958585327863 | 1 BUH | 1 | 46070000 | 4 | 323444000 | 2 | 374868000 | 7 | 744382000 | 0.06189026601932879 | 0.43451346217399134 | 0.5035962718066799 | 1 CAPITALBK | 5 | 511418610 | 3 | 634341010 | 0 | 0 | 8 | 1145759620 | 0.44635768364746525 | 0.5536423163525348 | 0 | 1 SOGEBK | 9 | 2994096900.7200003 | 6 | 3362866544.34 | 1 | 915485203.34 | 16 | 7272448648.400001 | 0.41170409658082996 | 0.4624118652360452 | 0.1258840381831248 | 1 SOGEBL | 7 | 253504072.72 | 2 | 169656587.54 | 0 | 0 | 9 | 423160660.26 | 0.5990728735611696 | 0.40092712643883044 | 0 | 1 UNIBK | 4 | 2087539000 | 5 | 4653720000 | 0 | 0 | 9 | 6741259000 | 0.3096660430937307 | 0.6903339569062693 | 0 | 1 CBNA | 2 | 94433000 | 2 | 174253000 | 5 | 1850616000 | 9 | 2119302000 | 0.04455853861318491 | 0.08222188248772473 | 0.8732195788990904 | 1 SCOTIABK | 1 | 24375000 | 2 | 88351000 | 0 | 0 | 3 | 112726000 | 0.21623228004187145 | 0.7837677199581286 | 0 | 1 [Non apparentés sept. 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2015 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 | 920530500 | 2 | 921079000 | 0 | 0 | 7 | 1841609500 | 0.499851081350308 | 0.500148918649692 | 0 | 1 BPH | 18 | 80947000 | 6 | 48936000 | 9 | 376113000 | 33 | 505996000 | 0.15997557292943027 | 0.09671222697412628 | 0.7433122000964435 | 1 BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0 | 0 | 0 | 0 CAPITALBK | 4 | 316015870 | 5 | 887645820 | 0 | 0 | 9 | 1203661690 | 0.2625454250355015 | 0.7374545749644985 | 0 | 1 SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1 SOGEBL | 6 | 215643401 | 1 | 76305974 | 0 | 0 | 7 | 291949375 | 0.738632857152032 | 0.2613671428479681 | 0 | 1 UNIBK | 9 | 3799089000 | 5 | 3974975000 | 0 | 0 | 14 | 7774064000 | 0.488687641367501 | 0.511312358632499 | 0 | 1 CBNA | 0 | 0 | 4 | 293242000 | 4 | 500400000 | 8 | 793642000 | 0 | 0.36948901393827444 | 0.6305109860617255 | 1 SCOTIABK | 1 | 25000000 | 2 | 89970000 | 0 | 0 | 3 | 114970000 | 0.2174480299208489 | 0.7825519700791511 | 0 | 1 [Non apparentés juin 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2015 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 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2015 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 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés DéC. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 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 | 743386500 | 5 | 1533648500 | 1 | 936747000 | 10 | 3213782000 | 0.23131204916823855 | 0.4772098729783165 | 0.29147807785344493 | 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 | 844385210 | 0 | 0 | 7 | 913535230 | 0.07569496799811432 | 0.9243050320018857 | 0 | 1 SOGEBK | 7 | 2080407302 | 7 | 3998178183 | 0 | 0 | 14 | 6078585485 | 0.34225187868687185 | 0.6577481213131282 | 0 | 1 SOGEBL | 7 | 235730310 | 1 | 75635390 | 0 | 0 | 8 | 311365700 | 0.7570850289546986 | 0.24291497104530138 | 0 | 1 UNIBK | 9 | 3337704000 | 8 | 6149121000 | 0 | 0 | 17 | 9486825000 | 0.35182518914389166 | 0.6481748108561083 | 0 | 1 CBNA | 2 | 65458000 | 7 | 495504000 | 5 | 795024000 | 14 | 1355986000 | 0.04827335975445174 | 0.3654197019733242 | 0.586306938272224 | 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 SEPTEMBRE 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 [Secteur d'activité mars.19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 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 | 0.006984903784497157 | 0.0004216015974986153 | 0.02295945511783592 | 0 | 0 | 0 | #DIV/0! | 0.00828841282531421 200 | Industrie alimentaire | 0.046521435188543375 | 0.0008776333140608267 | 0.0443711135184841 | 0.01013257004839647 | 0.042388285342997094 | 0.05323486276795954 | 0.0029302635018359393 | 0.20175657380153808 | #DIV/0! | 0.03637545925971366 210 | Industrie des boissons | 0 | 0 | 0.035342280791475104 | 0.03676770672080571 | 0.10161216906573071 | 0.03751953908598292 | 0 | 0 | #DIV/0! | 0.04437962072881642 220 | Industrie du bois | 0.002503921574979849 | 0 | 6.816435517922808e-06 | 0.00033085491838038726 | 2.244410319885634e-05 | 0.002648609558668285 | 0 | 0 | #DIV/0! | 0.0004773859319952563 230 | Industrie chimique | 1.537495703934995e-06 | 0 | 0.0009451858363371886 | 0.012844141447551393 | 0.0004178416013495281 | 0.0008418187689168934 | 0 | 0.193844551299517 | #DIV/0! | 0.006622437395694775 240 | Industrie du textile | 0.000759413056622178 | 0 | 0.027312249501854836 | 0.02962669559481265 | 0.0018132043602822404 | 0.016387861425360122 | 0 | 0.039867242923235145 | #DIV/0! | 0.01602335837042134 250 | Industrie pharmacie | 0 | 0 | 0.001293578938678159 | 0 | 0.0006900029256677874 | 0.013480090042708235 | 0 | 0 | #DIV/0! | 0.0015467100538191815 260 | Imprimerie, édition | 0.00022749445362152445 | 0 | 0.0002917748523149431 | 0.0025362676903994902 | 0.0029274129803170223 | 0.0050793990826424554 | 0 | 0 | #DIV/0! | 0.0013502284945559116 270 | Sidérurgie, aciérie | 0.0010584010604766797 | 0 | 0.006839371967374083 | 0.007835667414739005 | 0 | 0.03182969852509902 | 0 | 0 | #DIV/0! | 0.0041132902531000005 280 | Industrie de la fabrication | 0.0023289765280963886 | 0.0019339100526418278 | 0.023220725978241995 | 0.03631192131297896 | 0.0168881114328742 | 0.02390228551425584 | 0 | 0 | #DIV/0! | 0.02340623928290564 290 | Autres industries | 0 | 0 | 0.003116654843536122 | 9.721932910625789e-05 | 0.007153237127102897 | 0.009761299657670586 | 0 | 0 | #DIV/0! | 0.007481028400185933 300 | Production et distribution de l'électricité | 0.045884582503749154 | 0 | 0.026410139789269187 | 0.06126236301632865 | 0 | 0.0004576385701328483 | 0 | 0.21528311178546977 | #DIV/0! | 0.026968796714479337 400 | Production et distribution de gaz | 0 | 0 | 0.0005160295419361865 | 0.014440169592536432 | 0.0010762129379055412 | 0.01564874786645513 | 0 | 0 | #DIV/0! | 0.005774949180123653 500 | Traitement et distribution de l'eau | 0 | 0 | 0.03436633841136096 | 0.001156359395576123 | 0.0009699637477326897 | 0.0010077108233756582 | 0 | 0 | #DIV/0! | 0.0028222624023131783 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05323123117219825 | 0.08561185399310632 | 0.09721475997615961 | 0.09910671234255838 | 0.048419852590467265 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.06187056794196912 700 | Commerce de gros(1) | 0.12669014019929128 | 0.2164237274738085 | 0.19496799095899406 | 0.16345168399249607 | 0.15610512818359823 | 0.18804917258361287 | 0 | 0.04669335258319906 | #DIV/0! | 0.19593178552845242 800 | Commerce de détail(2) | 0.018515841120245728 | 0.30816203290078154 | 0.07925455608194938 | 0.16831628541758337 | 0.1954186496256808 | 0.11194755715074563 | 0 | 0.05900892823338956 | #DIV/0! | 0.12828966231833427 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006486859106584309 | 2.4884968425223322e-05 | 0.0007665464150840217 | 9.721279706916596e-05 | 0.0006154382731019504 | 0.002363455990850842 | 0 | 0 | #DIV/0! | 0.0013674064424380305 1000 | Hotels,motels et pensions | 0.05206591924973724 | 0 | 0.004117357711294149 | 0.022087985881253307 | 0.001143881378248014 | 0.029392343395479522 | 0.03606761995547635 | 0 | #DIV/0! | 0.027933059390058995 1100 | Transport | 0.10899252134634325 | 0.10284072744449527 | 0.019164043785720564 | 0.008732444309485783 | 0.037126993310807176 | 0.007627459533835197 | 0 | 0 | #DIV/0! | 0.031207615879368922 1200 | Immobilier résidentiel | 0.11204604272491901 | 0.19556703594209024 | 0.11453362026197425 | 0.012904932313433344 | 0.06998959068145998 | 0.0329710069593323 | 0.8100673311859027 | 0 | #DIV/0! | 0.08760538572535201 1300 | Immobilier commercial | 0.18541682030184006 | 0.04387979278698162 | 0.11533433408425728 | 0.1327909372052631 | 0.11748184279861773 | 0.016181344057282936 | 0.11682085102926863 | 0 | #DIV/0! | 0.11649372271954243 1400 | Télécommunications | 0.0004977093235880998 | 0 | 0.0023683638949649147 | 0.000983727453292213 | 0.03967214133691987 | 0.003002447584317244 | 0 | 0 | #DIV/0! | 0.025030380170501163 1500 | Services financiers | 0.01852226565586574 | 0 | 0.04444547791557527 | 0.041144029908840266 | 0.04743946246740317 | 0.17645382460343056 | 0 | 0.24354623937365147 | #DIV/0! | 0.029847764507738333 1510 | Services professionnels | 0.045027758112170524 | 0.018046564322018423 | 0.015989037524408518 | 0.003438447341892283 | 0.006846342907033737 | 0.030106995094146962 | 0 | 0 | #DIV/0! | 0.015649652751504452 1520 | Services médicaux | 0.00012843580183942693 | 0 | 0.00036012902799603273 | 0.00012774895458424017 | 0.00010366551434540365 | 0.003737903688092699 | 0 | 0 | #DIV/0! | 0.0004362319251683535 1530 | Services d'agence ou de représentation | 6.907748555536514e-05 | 0.0006830585423604155 | 0.0012270011495988421 | 0.0008621649366040917 | 0.0005095220525708091 | 0.0010424383580016944 | 0 | 0 | #DIV/0! | 0.0006555620048977706 1540 | Services d'enseignement | 0.0025278076689516965 | 0 | 0.001605079332524998 | 0.001375460848502046 | 0.0001991008304978064 | 0.0007319122239852245 | 0 | 0 | #DIV/0! | 0.002014307670649963 1550 | Autres services | 0.011025875887965544 | 0.007141270649538743 | 0.0024383372524692387 | 0.016856279997944024 | 0.010442362089009121 | 0.04457095995315128 | 0 | 0 | #DIV/0! | 0.011321350252772694 1560 | Crédit à la consommation | 0.1594589508689404 | 0.01880750760969107 | 0.09519620043615105 | 0.11396040822008807 | 0.06956768521724441 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.07871536547781263 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.999989017887829 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.024996929356023167 | 0.03388584113665175 | 0.08748438583115746 | 0.0382962232958122 | 0.04173933620434036 | 0.018404600253421714 | 0 | 0 | #DIV/0! | 0.044117660178642305 Produits pétroliers | 0 | 0 | 0.01862191524690388 | 0.029188983081645477 | 1.4857189709222868e-05 | 0.011714171469486799 | 0 | 0 | #DIV/0! | 0.029764633891912043 Produits pharmaceutiques | 0 | 0 | 0.0011674900516183567 | 0.002394996847481722 | 0.002389828225268846 | 0.0018651228828388193 | 0 | 0 | #DIV/0! | 0.0013071895718507031 Produits alimentaires | 0.013762132330677822 | 0.008379139270402966 | 0.05817693980196441 | 0.056009781613411844 | 0.05097979142310112 | 0.08768217374575753 | 0 | 0 | #DIV/0! | 0.04633263700982578 Matériaux de construction | 0 | 0.0972490997035674 | 0.0054314559737491976 | 0.006479230770448512 | 0.03458387945524296 | 0.01004647947035307 | 0 | 0 | #DIV/0! | 0.0402090011600753 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.08793108547471251 | 0.07690964689872748 | 0.024085804053600748 | 0.031082468410913146 | 0.026397435422510388 | 0.003469168798110232 | 0 | 0.04669335258319906 | #DIV/0! | 0.03420066994725796 S-Total | 0.1266901471614135 | 0.2164237270093496 | 0.19496799095899403 | 0.16345168401971288 | 0.1561051279201729 | 0.13318171661996817 | - | 0.04669335258319906 | #DIV/0! | 0.1959317917595641 (2) Commerce de détail Produits pétroliers | 0.0017056185227159225 | 0.0035638917768418266 | 0.004148444450347362 | 0.0014462807047499026 | 0.004301962765814699 | 0.003740304773184614 | 0 | 0 | #DIV/0! | 0.004850838600179821 Produits pharmaceutiques | 0.00013711215751116345 | 0 | 7.371418249181061e-05 | 7.415342694407755e-05 | 3.272954596829972e-05 | 0.004427152094865452 | 0 | 0 | #DIV/0! | 0.0002996289177278029 Véhicules automobiles | 0.012638330700280422 | 0 | 0.02148655795163466 | 0.062198953439221695 | 0.13338576630516477 | 0.05614563063750223 | 0 | 0 | #DIV/0! | 0.04818470255031244 Produits alimentaires | 3.038396868604464e-05 | 0 | 0.04508363647393083 | 0.013830409046767729 | 0.011867344130809126 | 0.007722665845196172 | 0 | 0 | #DIV/0! | 0.021100263939053877 Librairie ,papeterie | 5.1943665827944456e-05 | 0 | 0 | 0.0007792018056677788 | 0.0009953845573803797 | 0 | 0 | 0 | #DIV/0! | 0.001385924364733574 Appareils électro- ménagers électroni.équip. inform. | 1.646644171274166e-06 | 0 | 0.003349234363797767 | 0.006151586620467018 | 0.007987945129158272 | 0.02837600294956363 | 0 | 0.05382077794636744 | #DIV/0! | 0.009377835319710379 Matériaux de construction | 0.0015926765966192775 | 0 | 0 | 0.005122828364919108 | 0.013569803157054028 | 5.76106793581318e-06 | 0 | 0 | #DIV/0! | 0.007720689161741798 Autres | 0.0023581434878293213 | 0.3045981411239396 | 0.0048487310424090106 | 0.07871287203606286 | 0.023277714297756588 | 0.011528354167176126 | 0 | 0.005188150287022118 | #DIV/0! | 0.03536979372004292 S-Total | 0.01851585574364137 | 0.3081620329007815 | 0.07899031846461144 | 0.16831628544480015 | 0.19541864988910612 | 0.11194587153542403 | - | 0.05900892823338956 | #DIV/0! | 0.12828967657350263 [Secteur d'activité mars 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 2644409 | 722851.63643 | 3883759.37272 | 12189813.306 | 13344341.33 | 3280605.989 | 0 | 87607.294 | 0 | 36153387.92815 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2474096 | 35683.02319 | 1004836.09367 | 3159418.581 | 2554794.96 | 3153788.4469999997 | 166765.37 | 201853.98868 | 0 | 12751236.463539999 Industries Manufacturières ( 200 à 290 ) | 972712 | 3874.15915 | 2021594.7165899999 | 5014657.788000001 | 6601973.17 | 2128977.543 | 13548.62 | 360921.307 | 0 | 17118259.30374 Prêts aux Particuliers ( 1560 ) | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5417225 | 329945.15874999994 | 3255574.10145 | 5353155.255 | 7116681.59 | 537504.183 | 4285640.4399999995 | 0 | 0 | 26295725.728199996 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1993974 | 141709.12316 | 304959.20576000004 | 356991.424 | 2915404.1100000003 | 116243.057 | 0 | 0 | 0 | 5829280.919920001 Bâtiments et Travaux Publics ( 600 ) | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317 Électricité, Gaz et Eau ( 300 à 500 ) | 835624 | 0 | 868073.59202 | 2823948.1530000004 | 77675.76999999999 | 187150.74 | 0 | 178429.176 | 0 | 4970901.43102 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154 Total | 18211433 | 1377947.4988299997 | 14162801.03379 | 36741983.644999996 | 37961418.75000001 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.76630001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14520598131953702 | 0.52458576037459 | 0.2742225470409434 | 0.3317679694100795 | 0.351523777809279 | 0.2999967297343585 | 0 | 0.10570228081658861 | #DIV/0! | 0.2895895426546214 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13585399896866984 | 0.02589577848234281 | 0.07094896632895106 | 0.08598933066668943 | 0.06729977551221 | 0.28839983330713875 | 0.03606761995547635 | 0.24354623937365147 | #DIV/0! | 0.10213772338836061 Industries Manufacturières ( 200 à 290 ) | 0.053412161470214894 | 0.002811543366702655 | 0.14273975266381442 | 0.13648304447717036 | 0.1739127089395203 | 0.1946854644292639 | 0.0029302635018359393 | 0.4354683680242902 | #DIV/0! | 0.13711768569698612 Prêts aux Particuliers ( 1560 ) | 0.1594589508689404 | 0.018807507609691073 | 0.09519620043615104 | 0.1139604082200881 | 0.0695676852172444 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.09212149348477613 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.29746286302675906 | 0.23944682872907191 | 0.2298679543462315 | 0.14569586951869648 | 0.18747143348007766 | 0.04915235101661523 | 0.9268881822151712 | 0 | #DIV/0! | 0.21062942157826323 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10949023066993135 | 0.10284072744449528 | 0.02153240768068548 | 0.009716171762777998 | 0.07679913464772703 | 0.010629907118152442 | 0 | 0 | #DIV/0! | 0.0466926861449282 Bâtiments et Travaux Publics ( 600 ) | 0.05323123117219825 | 0.08561185399310633 | 0.0972147599761596 | 0.0991067123425584 | 0.04841985259046725 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.0739965993475835 Électricité, Gaz et Eau ( 300 à 500 ) | 0.045884582503749154 | 0 | 0.06129250774256633 | 0.07685889200444122 | 0.0020461766856382305 | 0.017114097259963636 | 0 | 0.21528311178546977 | #DIV/0! | 0.03981704494337127 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006984903784497156 | 0.00042160159749861544 | 0.022959455117835915 | 0 | 0 | 0 | #DIV/0! | 0.007897802761109426 Total | 1 | 1 | 1 | 1 | 0.9999999999999998 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activité déc 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2018 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 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6 200 | Industrie alimentaire | 947855 | 1209.33 | 656375.17 | 327363.49 | 1777830.06 | 678263.01 | 13959.01 | 160792.12 | 0 | 4563647.1899999995 210 | Industrie des boissons | 301 | 0 | 332710.03 | 923382.98 | 2342886.51 | 254212.72 | 0 | 0 | 0 | 3853493.2399999998 220 | Industrie du bois | 44108 | 0 | 151.4 | 13169.7 | 0 | 28924.59 | 0 | 0 | 0 | 86353.69 230 | Industrie chimique | 69 | 0 | 14442.52 | 450314.1 | 40093.41 | 8715.5 | 0 | 154486.55 | 0 | 668121.0800000001 240 | Industrie du textile | 20874 | 0 | 385158.33 | 1054237.63 | 25846.23 | 267535.92 | 0 | 30522.4 | 0 | 1784174.5099999998 250 | Industrie pharmacie | 0 | 0 | 20136.61 | 0 | 33873.61 | 137004.51 | 0 | 0 | 0 | 191014.73 260 | Imprimerie, édition | 835 | 0 | 7425.7 | 35778.17 | 74498.77 | 54710.82 | 0 | 0 | 0 | 173248.46 270 | Sidérurgie, aciérie | 284880 | 0 | 110999.64 | 305594.57 | 0 | 296445.9 | 0 | 0 | 0 | 997920.11 280 | Industrie de la fabrication | 44207 | 2701.47 | 332458.91 | 1092169.02 | 542254.65 | 250013.37 | 0 | 0 | 0 | 2263804.42 290 | Autres industries | 0 | 0 | 50267.35 | 4884.03 | 1776111.37 | 77631.26 | 0 | 0.02 | 0 | 1908894.03 300 | Production et distribution de l'électricité | 756972 | 0 | 392726.45 | 2410727.7 | 0 | 4528.05 | 0 | 187712.76 | 0 | 3752666.96 400 | Production et distribution de gaz | 0 | 0 | 6755.41 | 502833.71 | 17974 | 164044.42 | 0 | 0 | 0 | 691607.54 500 | Traitement et distribution de l'eau | 0 | 0 | 433031.46 | 46263.46 | 40208.22 | 10823.12 | 0 | 0 | 0 | 530326.26 600 | Entrep/ batiment et corps/ métiers corresp. | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85 700 | Commerce de gros(1) | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.3 | 2119434.57 | 0 | 41544 | 0 | 17796373.86 800 | Commerce de détail(2) | 385740 | 393656.51 | 899238.21 | 6016129.43 | 7390252.13 | 1167814.21 | 0 | 45821.24 | 0 | 16298651.729999999 900 | Rest/débits/boissons, casinos/activités/loterie | 112001 | 34.29 | 11011.46 | 3965.65 | 24633.75 | 18456.88 | 0 | 0 | 0 | 170103.03 1000 | Hotels,motels et pensions | 941288 | 0 | 55431.55 | 789095.19 | 41733.79 | 298289.77 | 131871.76 | 0 | 0 | 2257710.0599999996 1100 | Transport | 1848966 | 139147.91 | 232260.49 | 187752.5 | 1380085.92 | 77845.32 | 0 | 0 | 0 | 3866058.1399999997 1200 | Immobilier résidentiel / Avance Hypothécaire | 2023812 | 294176.74 | 1570170.09 | 456282.43 | 2672425.39 | 341428.31 | 3194888.67 | 0 | 0 | 10553183.629999999 1300 | Immobilier commercial | 3275054 | 61192.82 | 1647514.99 | 4825066.25 | 4519706.89 | 172711.56 | 906743.77 | 0 | 0 | 15407990.28 1400 | Télécommunications | 15912 | 0 | 29108.84 | 34155.36 | 1517503.51 | 31503.23 | 0 | 0 | 0 | 1628182.94 1500 | Services financiers | 382649 | 0 | 647670.19 | 1661013.39 | 3031108.98 | 2056857.28 | 0 | 188129.07 | 0 | 7967427.910000001 1510 | Services professionnels | 790631 | 24852.58 | 197478.08 | 131996.57 | 374705.36 | 329623.94 | 0 | 0 | 0 | 1849287.5299999998 1520 | Services médicaux | 2586 | 0 | 4765 | 4753.77 | 12119.72 | 43780.31 | 0 | 0 | 0 | 68004.79999999999 1530 | Services d'agence ou de représentation | 1395 | 941.22 | 16908.94 | 22027.73 | 18955.7 | 10655.99 | 0 | 0 | 0 | 70884.58 1540 | Services d'enseignement | 47458 | 0 | 22831.19 | 62632.94 | 3998.31 | 9417.5 | 0 | 0 | 0 | 146337.94 1550 | Autres services | 130184 | 25646.29 | 24365.08 | 685183.47 | 433921.02 | 773896.05 | 0 | 0 | 0 | 2073195.91 1560 | Crédit à la consommation | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 17495183 | 1383272.4000000001 | 13022855.54 | 34595611.93 | 39522410.760000005 | 11166910.1 | 4577759.07 | 809091.4900000001 | 0 | 122573094.28999998 (1) Commerce de gros Import-export | 179460 | 46815.21 | 1059764.71 | 1420083.66 | 2515715.27 | 223844 | 0 | 5445682.85 Produits pétroliers | 0 | 175541.18 | 73444.99 | 771.78 | 129506 | 0 | 379263.94999999995 Produits pharmaceutiques | 0 | 16003.95 | 101796.69 | 103744.7 | 19047 | 0 | 240592.34 Produits alimentaires | 393536 | 24673.3 | 762344.16 | 1981283.24 | 2086572.79 | 974512 | 0 | 6222921.49 Matériaux de construction | 125870.14 | 59636.69 | 246261.32 | 871125.2 | 735076 | 0 | 2037969.35 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 950902 | 103822.34 | 332844.5 | 1092149.91 | 911231.56 | 37449 | 41544 | 0 | 3469943.31 S-Total | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.300000001 | 2119434 | 0 | 41544 | 0 | 17796373.29 (2) Commerce de détail Produits pétroliers | 31709 | 5065.92 | 60329.76 | 99684.54 | 184879.51 | 55298 | 436966.73 Produits pharmaceutiques | 2755 | 972.43 | 3587.23 | 1660.32 | 46807 | 0 | 55781.979999999996 Véhicules automobiles | 276303 | 169622.03 | 2075517.3 | 4895130.75 | 588929 | 0 | 8005502.08 Produits alimentaires | 828 | 539806.91 | 462975.24 | 476761.94 | 89658 | 0 | 1570030.09 Librairie ,papeterie | 1022 | 0 | 30879.59 | 40544.69 | 0 | 0 | 72446.28 Appareils électro- ménagers électroni.équip. inform. | 49 | 44634.75 | 205122.1 | 305308.76 | 272919 | 41205.24 | 0 | 869238.85 Matériaux de construction | 27797 | 0 | 188632.76 | 427752.11 | 443 | 0 | 644624.87 Autres | 45276 | 388590.59 | 83872.33 | 2949730.67 | 1058214.05 | 113760 | 4616 | 0 | 4644059.64 S-Total | 385739 | 393656.51 | 899238.21 | 6016129.43 | 7390252.130000001 | 1167814 | 0 | 45821.24 | 0 | 16298650.519999996 [Secteur d'activité déc. 18 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU31 DECEMBRE 2018 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 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573374 | 0 | 0 | 0 | #DIV/0! | 0.0038372744257168744 200 | Industrie alimentaire | 0.05417805575397525 | 0.0008742529670945504 | 0.05040178538293147 | 0.009462572613612965 | 0.04498283444286534 | 0.06073864694227278 | 0.003049310762438181 | 0.19873169102297686 | #DIV/0! | 0.037232046856895906 210 | Industrie des boissons | 0 | 0 | 0.02554816253455884 | 0.02669075436122803 | 0.05927994939952391 | 0.022764821935837024 | 0 | 0 | #DIV/0! | 0.031438328797369554 220 | Industrie du bois | 0.0025211511077077617 | 0 | 1.1625714462928e-05 | 0.00038067544596832924 | 0 | 0.0025902053245687004 | 0 | 0 | #DIV/0! | 0.0007045077102785117 230 | Industrie chimique | 3.943942741267697e-06 | 0 | 0.0011090133001659635 | 0.01301650917206366 | 0.0010144474800251279 | 0.0007804755229470327 | 0 | 0.1909382954948642 | #DIV/0! | 0.005450797206924295 240 | Industrie du textile | 0.001193128417119158 | 0 | 0.02957556649668557 | 0.03047316035724765 | 0.0006539639030865636 | 0.02395791831439567 | 0 | 0.03772428752155087 | #DIV/0! | 0.014556004483159728 250 | Industrie pharmacie | 0 | 0 | 0.0015462515066799246 | 0 | 0.000857073476759746 | 0.012268793137324534 | 0 | 0 | #DIV/0! | 0.0015583740551419185 260 | Imprimerie, édition | 4.772742302838444e-05 | 0 | 0.0005702052040116541 | 0.0010341823139996124 | 0.0018849753486039624 | 0.004899369611652914 | 0 | 0 | #DIV/0! | 0.0014134297661614497 270 | Sidérurgie, aciérie | 0.016283339248294802 | 0 | 0.008523448613789968 | 0.00883333327412544 | 0 | 0.026546815309277008 | 0 | 0 | #DIV/0! | 0.008141428718760953 280 | Industrie de la fabrication | 0.002526809808162624 | 0.0019529559036961914 | 0.025528879513317553 | 0.03156958235656796 | 0.013720181526699966 | 0.022388768939762486 | 0 | 0 | #DIV/0! | 0.018469015840001442 290 | Autres industries | 0 | 0 | 0.003859933011281795 | 0.00014117484060933042 | 0.04493934797615063 | 0.0069519015828738515 | 0 | 2.4719083375849123e-08 | #DIV/0! | 0.015573515876850436 300 | Production et distribution de l'électricité | 0.04326745253250566 | 0 | 0.03015670785825211 | 0.06968304838422322 | 0 | 0.000405488175283152 | 0 | 0.23200436825753784 | #DIV/0! | 0.030615747948089113 400 | Production et distribution de gaz | 0 | 0 | 0.0005187349256275326 | 0.014534609505315954 | 0.0004547799502704222 | 0.014690224827725622 | 0 | 0 | #DIV/0! | 0.005642409078485867 500 | Traitement et distribution de l'eau | 0 | 0 | 0.03325165196449688 | 0.0013372638152378536 | 0.0010173524141572378 | 0.0009692134980114151 | 0 | 0 | #DIV/0! | 0.004326612321177783 600 | Entrep/ batiment et corps/ métiers corresp. | 0.056126363468161494 | 0.08035000915221036 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142874 | 0.11220421394813594 | 0 | 0 | #DIV/0! | 0.07040948015541855 700 | Commerce de gros(1) | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659847 | 0.1420706134623357 | 0.1641894098871007 | 0.18979597319405303 | 0 | 0.0513464799883138 | #DIV/0! | 0.1451898882302419 800 | Commerce de détail(2) | 0.02204835468140002 | 0.28458350647348996 | 0.06905077056548536 | 0.1738986274378642 | 0.18698890042101265 | 0.10457809721240614 | 0 | 0.05663295259723964 | #DIV/0! | 0.13297087606712815 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006401819289343815 | 2.4789043719805292e-05 | 0.0008455488096430193 | 0.000114628699386038 | 0.0006232856125500173 | 0.001652818893921247 | 0 | 0 | #DIV/0! | 0.0013877680985808132 1000 | Hotels,motels et pensions | 0.05380269529046938 | 0 | 0.004256481985056252 | 0.022809112080359722 | 0.0010559525392676223 | 0.026711934396248076 | 0.028807055588445374 | 0 | #DIV/0! | 0.018419295629907198 1100 | Transport | 0.10568429035580823 | 0.10059328155466703 | 0.01783483578441046 | 0.005427061107631056 | 0.03491907233039444 | 0.006971070717225529 | 0 | 0 | #DIV/0! | 0.03154083824344972 1200 | Immobilier résidentiel | 0.11567824126218057 | 0.21266725194545916 | 0.12057033767879761 | 0.013189026137859097 | 0.0676179751844672 | 0.030575003017173034 | 0.6979154256801025 | 0 | #DIV/0! | 0.08609706470354621 1300 | Immobilier commercial | 0.18719747029796716 | 0.04423772208568608 | 0.1265095036138288 | 0.13947046983192357 | 0.11435807692617582 | 0.015466369698812208 | 0.19807590485534224 | 0 | #DIV/0! | 0.12570450610919306 1400 | Télécommunications | 0.0009095074912906026 | 0 | 0.002235211771380826 | 0.0009872743418763397 | 0.03839602597156955 | 0.0028211232756319943 | 0 | 0 | #DIV/0! | 0.013283363281568343 1500 | Services financiers | 0.021871677478309315 | 0 | 0.04973334673111179 | 0.04801225639138449 | 0.07669342334419885 | 0.18419215893929333 | 0 | 0.23251890833754782 | #DIV/0! | 0.06500144225085469 1510 | Services professionnels | 0.04519135352856841 | 0.017966511874306174 | 0.015163961497802194 | 0.003815413650351928 | 0.009480832590790064 | 0.029517918300425827 | 0 | 0 | #DIV/0! | 0.015087222368921401 1520 | Services médicaux | 0.00014781211491185888 | 0 | 0.00036589517447722534 | 0.00013740962320940223 | 0.0003066543706960855 | 0.00392053930836248 | 0 | 0 | #DIV/0! | 0.0005548101758702857 1530 | Services d'agence ou de représentation | 7.973623368215125e-05 | 0.0006804299717105611 | 0.0012984049426075412 | 0.0006367203460534366 | 0.00047961902210643385 | 0.0009542469586103321 | 0 | 0 | #DIV/0! | 0.000578304565211446 1540 | Services d'enseignement | 0.002712632385725831 | 0 | 0.0017531631161747496 | 0.0018104301819181611 | 0.0001011656405344237 | 0.0008433398241470575 | 0 | 0 | #DIV/0! | 0.00119388305278297 1550 | Autres services | 0.007441133939553533 | 0.018540303413846757 | 0.0018709475756036838 | 0.019805502252319893 | 0.010979113157721758 | 0.0693026130836318 | 0 | 0 | #DIV/0! | 0.01691395588900573 1560 | Crédit à la consommation | 0.1675642375389843 | 0.019798197376019355 | 0.10569071474166103 | 0.12131419668170616 | 0.0698778575722692 | 0.020539936109989818 | 0.07215230311367173 | 0.00010299206088547536 | #DIV/0! | 0.09670780809330584 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999827952642737 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.0102576806427232 | 0.03384381124064934 | 0.0813772913893507 | 0.04104808618137369 | 0.0636528800147514 | 0.020045294355866626 | 0 | 0 | #DIV/0! | 0.04442804419309076 Produits pétroliers | 0 | 0 | 0.013479469188675344 | 0.002122956811650188 | 1.952765494712954e-05 | 0.011597299417678664 | 0 | 0 | #DIV/0! | 0.0030941859810007413 Produits pharmaceutiques | 0 | 0 | 0.0012289125031636496 | 0.002942474039943944 | 0.0026249588019817438 | 0.001705664309055376 | 0 | 0 | #DIV/0! | 0.0019628478940963514 Produits alimentaires | 0.022493963052572813 | 0.017836906165408922 | 0.058538940070282014 | 0.057269784503563195 | 0.052794673955258484 | 0.08726782890461346 | 0 | 0 | #DIV/0! | 0.050769065805559024 Matériaux de construction | 0 | 0.09099447079259297 | 0.004579386588204449 | 0.007118281951430133 | 0.02204129715896915 | 0.06582626647992805 | 0 | 0 | #DIV/0! | 0.016626563617446886 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.054352217979086015 | 0.07505560003944269 | 0.02555848822692231 | 0.03156902997437455 | 0.02305607230119279 | 0.0033535686832474815 | 0 | 0.0513464799883138 | #DIV/0! | 0.028309176088761694 S-Total | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659844 | 0.1420706134623357 | 0.16418940988710068 | 0.18979592215038965 | - | 0.0513464799883138 | #DIV/0! | 0.14518988357995544 (2) Commerce de détail Produits pétroliers | 0.0018124417446790926 | 0.0036622721598435705 | 0.004632606098923217 | 0.0028814214993999675 | 0.004677839900067877 | 0.00495195174894441 | 0 | 0 | #DIV/0! | 0.0035649481848452408 Produits pharmaceutiques | 0.00015747191669844207 | 0 | 7.467102718087894e-05 | 0.00010369031792986701 | 4.200958312189759e-05 | 0.0041915802653412606 | 0 | 0 | #DIV/0! | 0.00045509155433429344 Véhicules automobiles | 0.01579309001797809 | 0 | 0.01302494905813875 | 0.05999365769854154 | 0.12385708907601059 | 0.052738760742777 | 0 | 0 | #DIV/0! | 0.06531206645611395 Produits alimentaires | 4.7327312895212354e-05 | 0 | 0.041450733162321486 | 0.013382484487823887 | 0.012063078411262378 | 0.00802889959685446 | 0 | 0 | #DIV/0! | 0.01280892922785657 Librairie ,papeterie | 5.841607944312443e-05 | 0 | 0 | 0.0008925868998207369 | 0.0010258658118354113 | 0 | 0 | 0 | #DIV/0! | 0.0005910455342556402 Appareils électro- ménagers électroni.équip. inform. | 2.800770932204596e-06 | 0 | 0.0034274165034621894 | 0.0059291363429281015 | 0.007724952859125641 | 0.024439974671238734 | 0 | 0.05092778815409366 | #DIV/0! | 0.007091595876199693 Matériaux de construction | 0.00158883733882635 | 0 | 0 | 0.005452505375007541 | 0.010823026778339165 | 3.9670776968106875e-05 | 0 | 0 | #DIV/0! | 0.0052591057909891666 Autres | 0.0025879123413570467 | 0.2809212343136464 | 0.00644039471545885 | 0.08526314481641256 | 0.026775038001249696 | 0.010187240604721981 | 0 | 0.005705164443145978 | #DIV/0! | 0.03788808357087287 S-Total | 0.022048297522809568 | 0.28458350647348996 | 0.06905077056548536 | 0.17389862743786422 | 0.18698890042101265 | 0.10457807840684595 | - | 0.05663295259723964 | #DIV/0! | 0.13297086619546744 [Secteur d'activité déc 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1909638 | 694837.5 | 3305373.4 | 10931149.239999998 | 13879413.43 | 3287248.78 | 0 | 87365.23999999999 | 0 | 34095025.59 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2408192 | 51474.380000000005 | 980461.4899999998 | 3360668.71 | 3941176.6300000004 | 3540977.7200000007 | 131871.76 | 188129.07 | 0 | 14602951.760000002 Industries Manufacturières ( 200 à 290 ) | 1343129 | 3910.7999999999997 | 1910125.6600000001 | 4206893.69 | 6613394.61 | 2053457.6000000003 | 13959.01 | 345801.09 | 0 | 16490671.46 Prêts aux Particuliers ( 1560 ) | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5298866 | 355369.56 | 3217685.08 | 5281348.68 | 7192132.279999999 | 514139.87 | 4101632.44 | 0 | 0 | 25961173.910000004 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1864878 | 139147.91 | 261369.33 | 221907.86 | 2897589.4299999997 | 109348.55 | 0 | 0 | 0 | 5494241.079999999 Bâtiments et Travaux Publics ( 600 ) | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85 Électricité, Gaz et Eau ( 300 à 500 ) | 756972 | 0 | 832513.3200000001 | 2959824.87 | 58182.22 | 179395.59 | 0 | 187712.76 | 0 | 4974600.76 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6 Total | 17495183 | 1383272.4 | 13022855.54 | 34595611.93 | 39522410.76 | 11166910.099999998 | 4577759.07 | 809091.49 | 0 | 122573094.28999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.10915221635578204 | 0.502314294711584 | 0.2538132585320838 | 0.31596924090019984 | 0.3511783103081134 | 0.2943740704064592 | 0 | 0.10797943258555345 | #DIV/0! | 0.2781607642973701 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1376488602605643 | 0.03721203430358331 | 0.07528774983247644 | 0.09714147322498308 | 0.09972004627786528 | 0.31709556970464026 | 0.028807055588445374 | 0.23251890833754785 | #DIV/0! | 0.11913668203113453 Industries Manufacturières ( 200 à 290 ) | 0.07677136043675564 | 0.0028272088707907424 | 0.14667487127788567 | 0.12160194473542299 | 0.16733277355371529 | 0.18388771662091205 | 0.003049310762438181 | 0.4273942987584754 | #DIV/0! | 0.13453744931154418 Prêts aux Particuliers ( 1560 ) | 0.1675642375389843 | 0.019798197376019358 | 0.10569071474166103 | 0.12131419668170616 | 0.06987785757226922 | 0.02053993610998982 | 0.07215230311367173 | 0.00010299206088547539 | #DIV/0! | 0.09670780809330583 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.30287571156014775 | 0.2569049740311453 | 0.2470798412926264 | 0.15265949596978265 | 0.18197605211064305 | 0.04604137271598525 | 0.8959913305354447 | 0 | #DIV/0! | 0.2118015708127393 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10659379784709883 | 0.10059328155466704 | 0.020070047555791285 | 0.006414335449507396 | 0.073315098301964 | 0.009792193992857525 | 0 | 0 | #DIV/0! | 0.04482420152501805 Bâtiments et Travaux Publics ( 600 ) | 0.056126363468161494 | 0.08035000915221037 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142875 | 0.11220421394813597 | 0 | 0 | #DIV/0! | 0.07040948015541854 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04326745253250566 | 0 | 0.06392709474837652 | 0.08555492170477703 | 0.0014721323644276603 | 0.01606492650102019 | 0 | 0.23200436825753787 | #DIV/0! | 0.04058476934775276 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573376 | 0 | 0 | 0 | #DIV/0! | 0.003837274425716874 Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activité sept 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2018 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 | 1343.07 | 14104.01 | 550290.42 | 0 | 0 | 0 | 0 | 565737.5 200 | Industrie alimentaire | 923229.06 | 1209.33 | 430938.4 | 300281.74 | 1596637.34 | 465673.43 | 14356.35 | 182941.68 | 0 | 3915267.3300000005 210 | Industrie des boissons | 214.5 | 0 | 186249.57 | 953148.47 | 2246606.67 | 243341.83 | 0 | 0 | 0 | 3629561.04 220 | Industrie du bois | 38598.68 | 0 | 1516.43 | 5446.48 | 538.79 | 27855.26 | 0 | 0 | 0 | 73955.64 230 | Industrie chimique | 106.7 | 0 | 16529.57 | 394638.39 | 49471.69 | 47741.74 | 0 | 175767.5 | 0 | 684255.5900000001 240 | Industrie du textile | 27865.35 | 0 | 375511.84 | 959095.31 | 14284.12 | 199913.55 | 0 | 32889.38 | 0 | 1609559.55 250 | Industrie pharmacie | 0 | 0 | 27850.6 | 0 | 9659.24 | 118542.4 | 0 | 0 | 0 | 156052.24 260 | Imprimerie, édition | 11411.48 | 0 | 8519.62 | 119252.54 | 79943.83 | 55387.38 | 0 | 0 | 0 | 274514.85 270 | Sidérurgie, aciérie | 284880.03 | 0 | 110207.12 | 301106.91 | 0 | 357188.83 | 0 | 0 | 0 | 1053382.8900000001 280 | Industrie de la fabrication | 46462.14 | 2875.42 | 300146.05 | 1075323.83 | 628047.97 | 230772.64 | 0 | 0 | 0 | 2283628.05 290 | Autres industries | 0 | 0 | 45377.76 | 7917.42 | 1046919.65 | 91136.07 | 0 | 0 | 0 | 1191350.9000000001 300 | Production et distribution de l'électricité | 732038.86 | 0 | 404266.5 | 2356846.76 | 0 | 2813.42 | 0 | 172144.4 | 0 | 3668109.9399999995 400 | Production et distribution de gaz | 0 | 0 | 5436.9 | 2100.98 | 18697.63 | 90871.75 | 0 | 0 | 0 | 117107.26000000001 500 | Traitement et distribution de l'eau | 0 | 0 | 404137.56 | 45942.63 | 45015.8 | 0 | 0 | 0 | 0 | 495095.99 600 | Entrep/ batiment et corps/ métiers corresp. | 990934.08 | 98393.9 | 1003349.6 | 3152200.73 | 1536085.83 | 1119232.12 | 0 | 0 | 0 | 7900196.260000001 700 | Commerce de gros(1) | 1415024.86 | 274155.36 | 2235063.92 | 4810294.82 | 5325647.58 | 1863506.6 | 0 | 51048 | 0 | 15974741.14 800 | Commerce de détail(2) | 321845.52 | 391764.56 | 850671.49 | 5657945.77 | 5835517.72 | 1065315.13 | 0 | 43459.8 | 0 | 14166519.989999998 900 | Rest/débits/boissons, casinos/activités/loterie | 103590.08 | 523.36 | 11474.53 | 1783.16 | 29122.06 | 25828.7 | 0 | 0 | 0 | 172321.89 1000 | Hotels,motels et pensions | 928062.25 | 0 | 6432.11 | 757154.19 | 32418.18 | 282485.89 | 133052.64 | 0 | 0 | 2139605.26 1100 | Transport | 1574684.69 | 136132.56 | 211599.62 | 193828.19 | 1189868.23 | 81039.07 | 0 | 0 | 0 | 3387152.36 1200 | Immobilier résidentiel / Avance Hypothécaire | 1986665.54 | 283429.62 | 1524516.88 | 560675.87 | 2638934.2 | 319686.05 | 3076936.74 | 0 | 0 | 10390844.9 1300 | Immobilier commercial | 3206209.82 | 61464.64 | 1656758.28 | 4506659.34 | 4026912.97 | 165874.79 | 860394.82 | 0 | 0 | 14484274.66 1400 | Télécommunications | 22892.16 | 0 | 28128.43 | 34816.66 | 1526538.15 | 29753.44 | 0 | 0 | 0 | 1642128.8399999999 1500 | Services financiers | 157617.16 | 0 | 287236.31 | 1630436.56 | 2276134.26 | 1820425.44 | 0 | 206079.04 | 0 | 6377928.7700000005 1510 | Services professionnels | 737290.73 | 24016.35 | 198877.23 | 97574.19 | 393862.93 | 331813.97 | 0 | 0 | 0 | 1783435.4 1520 | Services médicaux | 268.15 | 0 | 8632.78 | 4973.92 | 14236.82 | 44807.46 | 0 | 0 | 0 | 72919.13 1530 | Services d'agence ou de représentation | 1998.77 | 941.22 | 16923.07 | 22373.25 | 16940.64 | 9814.7 | 0 | 0 | 0 | 68991.65 1540 | Services d'enseignement | 49493.01 | 0 | 23677.25 | 64688.07 | 1778.59 | 11224.91 | 0 | 0 | 0 | 150861.83000000002 1550 | Autres services | 135047.57 | 10719.53 | 23242.87 | 949515.78 | 432943.76 | 427392.18 | 0 | 0 | 0 | 1978861.69 1560 | Crédit à la consommation | 2808545.37 | 26891.25 | 1329258.9 | 4120139.6 | 2830292.21 | 245783.56 | 195457.9 | 305.56 | 0 | 11556674.350000001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 16504976.560000002 | 1312517.0999999999 | 11733874.26 | 33100265.570000008 | 34393347.28 | 9775222.31 | 4280198.45 | 864635.3600000001 | 0 | 111965036.88999999 (1) Commerce de gros Import-export | 142921 | 46919.01 | 836264.28 | 1541513.14 | 1912102.55 | 103422 | 0 | 4583141.9799999995 Produits pétroliers | - | 135723.79 | 68399.43 | 1195.23 | 119531 | 0 | 324849.45 Produits pharmaceutiques | - | 14827.57 | 121995.59 | 83489.03 | 15422 | 0 | 235734.19 Produits alimentaires | 300886 | 12059.25 | 830424.48 | 1869472.3 | 1519785.63 | 872333 | 0 | 5404960.66 Matériaux de construction | 115044.74 | 55056.82 | 221775.32 | 879796.54 | 712051 | 0 | 1983724.42 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 971217 | 100132.35 | 362766.98 | 987139.04 | 929278.6 | 40747 | 51048 | 0 | 3442328.97 S-Total | 1415024 | 274155.35 | 2235063.92 | 4810294.82 | 5325647.58 | 1863506 | 0 | 51048 | 0 | 15974739.670000002 (2) Commerce de détail Produits pétroliers | 30905 | 5116.22 | 61796.96 | 81747.7 | 138707.2 | 46192 | 364465.08 Produits pharmaceutiques | 5822 | - | 472.75 | 5851.63 | 1269.79 | 45802 | 0 | 59218.17 Véhicules automobiles | 215625 | 264502.33 | 1989976.4 | 3637752.21 | 531670 | 0 | 6639525.9399999995 Produits alimentaires | 861 | 421228.6 | 451957.7 | 404363.48 | 99244 | 0 | 1377654.78 Librairie ,papeterie | 1022 | - | 17553.55 | 34559.27 | - | 0 | 53134.81999999999 Appareils électro- ménagers électroni.équip. inform. | 76 | 40926.06 | 164564.52 | 287239.23 | 247519 | 37787.8 | 0 | 778112.61 Matériaux de construction | 25814 | - | 139972.78 | 386110.34 | 354 | 0 | 552251.12 Autres | 41723 | 386648.34 | 61744.79 | 2806321.5 | 945516.21 | 94533 | 5672 | 0 | 4342158.84 S-Total | 321848 | 391764.56 | 850671.49 | 5657945.779999999 | 5835517.7299999995 | 1065314 | 0 | 43459.8 | 0 | 14166521.359999998 [Secteur d'activité sept. 18 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2018 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 | 0.00011446091633847114 | 0.00042609960243892984 | 0.015999908805619457 | 0 | 0 | 0 | #DIV/0! | 0.005052805015871237 200 | Industrie alimentaire | 0.05593640540135368 | 0.0009213822814194192 | 0.03672601141372722 | 0.009071883105136062 | 0.04642285401887757 | 0.047638142154948084 | 0.0033541318627410836 | 0.2115824640805807 | #DIV/0! | 0.034968660206369184 210 | Industrie des boissons | 1.299608025617214e-05 | 0 | 0.015872811134078065 | 0.028795795247753952 | 0.06532096604933882 | 0.02489373870822995 | 0 | 0 | #DIV/0! | 0.03241691460849391 220 | Industrie du bois | 0.0023386085923650653 | 0 | 0.00012923523521718734 | 0.00016454490337794586 | 1.5665529604131044e-05 | 0.002849578159619369 | 0 | 0 | #DIV/0! | 0.0006605244106038003 230 | Industrie chimique | 6.464716845377937e-06 | 0 | 0.0014087052267423906 | 0.011922514312322477 | 0.0014384087014632674 | 0.004883954398782363 | 0 | 0.20328511662997448 | #DIV/0! | 0.0061113326892594765 240 | Industrie du textile | 0.0016882998832928966 | 0 | 0.03200237463597978 | 0.028975456646162488 | 0.00041531636579921746 | 0.0204510489542002 | 0 | 0.0380384396955498 | #DIV/0! | 0.01437555503671482 250 | Industrie pharmacie | 0 | 0 | 0.002373521258442393 | 0 | 0.0002808461741558061 | 0.012126823947393171 | 0 | 0 | #DIV/0! | 0.001393758661941169 260 | Imprimerie, édition | 0.0006913963166512972 | 0 | 0.0007260705041848642 | 0.003602766864447244 | 0.002324398068881419 | 0.005666099270534134 | 0 | 0 | #DIV/0! | 0.0024517908235023133 270 | Sidérurgie, aciérie | 0.017260250504712017 | 0 | 0.009392219275409211 | 0.00909681251237163 | 0 | 0.03654022575369951 | 0 | 0 | #DIV/0! | 0.009408141320356066 280 | Industrie de la fabrication | 0.0028150382298997943 | 0.002190767647903407 | 0.025579450005117063 | 0.03248686412276419 | 0.018260739929934496 | 0.023607917311908172 | 0 | 0 | #DIV/0! | 0.02039590316255198 290 | Autres industries | 0 | 0 | 0.0038672444407121167 | 0.0002391950597271295 | 0.030439597561613085 | 0.009323171086019015 | 0 | 0 | #DIV/0! | 0.010640383222223581 300 | Production et distribution de l'électricité | 0.044352614336581636 | 0 | 0.034452942910605217 | 0.07120325832479414 | 0 | 0.0002878113572027806 | 0 | 0.1990947952903522 | #DIV/0! | 0.03276120869413666 400 | Production et distribution de gaz | 0 | 0 | 0.00046335079782932665 | 6.347320674986353e-05 | 0.0005436408921696557 | 0.00929613129177008 | 0 | 0 | #DIV/0! | 0.0010459270434131326 500 | Traitement et distribution de l'eau | 0 | 0 | 0.034441954212657465 | 0.0013879837278900715 | 0.0013088519600468502 | 0 | 0 | 0 | #DIV/0! | 0.004421880291848668 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06003850271448067 | 0.07496580425504552 | 0.08550880789820224 | 0.095231886382717 | 0.044662295225136345 | 0.1144968456476976 | 0 | 0 | #DIV/0! | 0.07055949320823737 700 | Commerce de gros(1) | 0.08573322445239509 | 0.2088775529095964 | 0.19047962083752548 | 0.1453249615120837 | 0.15484528262525077 | 0.19063572580785634 | 0 | 0.05903991712760856 | #DIV/0! | 0.14267615662641525 800 | Commerce de détail(2) | 0.019499907729647815 | 0.2984833949972919 | 0.07249706884109733 | 0.1709335460778902 | 0.16966995600900406 | 0.10898116648561416 | 0 | 0.05026373198523826 | #DIV/0! | 0.12652628341397226 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006276293675633066 | 0.00039874528110909953 | 0.0009778978149711313 | 5.387147109829064e-05 | 0.0008467352643205712 | 0.0026422621584347374 | 0 | 0 | #DIV/0! | 0.001539068755626791 1000 | Hotels,motels et pensions | 0.05622923768635754 | 0 | 0.0005481659217984495 | 0.022874565413947515 | 0.0009425712401901464 | 0.028898155053826084 | 0.031085624078948958 | 0 | #DIV/0! | 0.019109583843589087 1100 | Transport | 0.09540666018370884 | 0.10371869440786716 | 0.01803322716021673 | 0.005855789573352355 | 0.034595883335028506 | 0.008290253400896824 | 0 | 0 | #DIV/0! | 0.030251875532606724 1200 | Immobilier résidentiel | 0.12036766806532198 | 0.21594356370671286 | 0.1299244261715823 | 0.016938712132514164 | 0.07672804215641323 | 0.032703711471908196 | 0.7188771212231994 | 0 | #DIV/0! | 0.09280437169157085 1300 | Immobilier commercial | 0.1942571568244626 | 0.046829591782080404 | 0.14119448046650537 | 0.13615175776971866 | 0.11708406678816288 | 0.01696890206070413 | 0.20101750655977177 | 0 | #DIV/0! | 0.12936426461619507 1400 | Télécommunications | 0.0013869853081451451 | 0 | 0.0023971988600464175 | 0.0010518544005748288 | 0.044384692701535736 | 0.003043760955652373 | 0 | 0 | #DIV/0! | 0.014666443075558568 1500 | Services financiers | 0.009549674876969349 | 0 | 0.024479238794911033 | 0.04925750690887885 | 0.06617949225673622 | 0.18622854624367105 | 0 | 0.23834213766136048 | #DIV/0! | 0.056963574944078256 1510 | Services professionnels | 0.04467081351613866 | 0.018297933032643918 | 0.016948982543468983 | 0.002947837073803876 | 0.011451718461524516 | 0.033944391183876814 | 0 | 0 | #DIV/0! | 0.0159285027678072 1520 | Services médicaux | 1.6246615014883726e-05 | 0 | 0.0007357143777676718 | 0.00015026828076292076 | 0.00041394109983237433 | 0.004583779128395086 | 0 | 0 | #DIV/0! | 0.0006512669671304568 1530 | Services d'agence ou de représentation | 0.00012110105050642979 | 0.0007171106570725822 | 0.0014422406125221253 | 0.0006759235799086066 | 0.0004925557219564702 | 0.0010040385465156752 | 0 | 0 | #DIV/0! | 0.0006161892311774149 1540 | Services d'enseignement | 0.0029986719351027054 | 0 | 0.002017854416653686 | 0.001954306676579332 | 5.1713198646247025e-05 | 0.001148302273240065 | 0 | 0 | #DIV/0! | 0.0013474012440884931 1550 | Autres services | 0.00818223337119359 | 0.008167154546024583 | 0.001980835100579985 | 0.028686047185693314 | 0.01258800885169325 | 0.04372199080963919 | 0 | 0 | #DIV/0! | 0.017673925226712798 1560 | Crédit à la consommation | 0.17016354793296354 | 0.020488304495232864 | 0.11328388821511029 | 0.12447451792453999 | 0.08229185100706488 | 0.0251435263777648 | 0.04566561627533882 | 0.00035339752933537206 | #DIV/0! | 0.10321681366794755 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999999 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | #DIV/0! | 1.0000000000000004 (1) Commerce de gros Import-export | 0.008659267068962138 | 0.035747351405935976 | 0.0712692382302723 | 0.04657102030616728 | 0.05559512816340219 | 0.01058001513624911 | 0 | 0 | #DIV/0! | 0.044117660178642305 Produits pétroliers | 0 | 0 | 0.01156683521508948 | 0.002066431456731058 | 3.4751778891118154e-05 | 0.01222795719722102 | 0 | 0 | #DIV/0! | 0.029764633891912043 Produits pharmaceutiques | 0 | 0 | 0.0012636550956188616 | 0.0036856378007603992 | 0.002427476142996687 | 0.0015776623294002608 | 0 | 0 | #DIV/0! | 0.0013071895718507031 Produits alimentaires | 0.018230016801671845 | 0.0091878802950453 | 0.07077155094723164 | 0.05647907253331441 | 0.04418836054622014 | 0.08923919808019179 | 0 | 0 | #DIV/0! | 0.04633263700982578 Matériaux de construction | 0 | 0.08765199325784023 | 0.004692126298616055 | 0.006700106968356265 | 0.02558042789023936 | 0.07284243543715375 | 0 | 0 | #DIV/0! | 0.0402090011600753 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.05884388847626451 | 0.07629032033182655 | 0.03091621505069716 | 0.02982269244675428 | 0.027019138103501275 | 0.00416839624796216 | 0 | 0.05903991712760856 | #DIV/0! | 0.03420066994725796 S-Total | 0.08573317234689849 | 0.20887754529064806 | 0.1904796208375255 | 0.14532496151208368 | 0.15484528262525077 | 0.1906356644281781 | - | 0.05903991712760856 | #DIV/0! | 0.1959317917595641 (2) Commerce de détail Produits pétroliers | 0.0018724655492634032 | 0.003898021595299597 | 0.005266543567000862 | 0.0024696992181866646 | 0.004032965993997896 | 0.004725416827885932 | 0 | 0 | #DIV/0! | 0.004850838600179821 Produits pharmaceutiques | 0.00035274209441228064 | 0 | 4.0289335774763964e-05 | 0.00017678498644142446 | 3.691964000079727e-05 | 0.004685520037037398 | 0 | 0 | #DIV/0! | 0.0002996289177278029 Véhicules automobiles | 0.01306424151625696 | 0 | 0.022541773001750236 | 0.06011965057475518 | 0.1057690657552073 | 0.054389555872924183 | 0 | 0 | #DIV/0! | 0.04818470255031244 Produits alimentaires | 5.21660843849148e-05 | 0 | 0.0358985097902353 | 0.013654201626999209 | 0.011757026052394164 | 0.010152607976851219 | 0 | 0 | #DIV/0! | 0.021100263939053877 Librairie ,papeterie | 6.19207180503866e-05 | 0 | 0 | 0.0005303144762653937 | 0.0010048242678634678 | 0 | 0 | 0 | #DIV/0! | 0.001385924364733574 Appareils électro- ménagers électroni.équip. inform. | 4.60467179239666e-06 | 0 | 0.003487855681180616 | 0.004971697875111639 | 0.008351592756051162 | 0.02532106095907296 | 0 | 0.043703741193281756 | #DIV/0! | 0.009377835319710379 Matériaux de construction | 0.00156401312695957 | 0 | 0 | 0.004228750965879334 | 0.01122630888051208 | 3.621401015482378e-05 | 0 | 0 | #DIV/0! | 0.007720689161741798 Autres | 0.00252790422623902 | 0.2945853734019923 | 0.005262097465155554 | 0.08478244665636377 | 0.027491252953731112 | 0.009670675203293663 | 0 | 0.006559990791956506 | #DIV/0! | 0.03536979372004292 S-Total | 0.019500057987358932 | 0.29848339499729193 | 0.07249706884109733 | 0.1709335463800026 | 0.16966995629975798 | 0.1089810508872202 | - | 0.050263731985238265 | #DIV/0! | 0.12828967657350263 [Secteur d'activité sept 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1736870.3800000001 | 665919.9199999999 | 3085735.41 | 10468240.59 | 11161165.3 | 2928821.73 | 0 | 94507.8 | 0 | 30141261.130000003 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2113367.7199999997 | 36200.46 | 576496.15 | 3528499.12 | 3197437.24 | 2953793.2500000005 | 133052.64 | 206079.04 | 0 | 12744925.62 Industries Manufacturières ( 200 à 290 ) | 1332767.94 | 4084.75 | 1502846.96 | 4116211.0900000003 | 5672109.300000001 | 1837553.1300000001 | 14356.35 | 391598.56 | 0 | 14871528.080000002 Prêts aux Particuliers ( 1560 ) | 2808545.37 | 26891.25 | 1329258.9 | 4120139.6 | 2830292.21 | 245783.56 | 195457.9 | 305.56 | 0 | 11556674.350000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5192875.359999999 | 344894.26 | 3181275.16 | 5067335.21 | 6665847.17 | 485560.83999999997 | 3937331.56 | 0 | 0 | 24875119.559999995 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1597576.8499999999 | 136132.56 | 239728.05 | 228644.85 | 2716406.38 | 110792.51000000001 | 0 | 0 | 0 | 5029281.199999999 Bâtiments et Travaux Publics ( 600 ) | 990934.08 | 98393.9 | 1003349.6 | 3152200.73 | 1536085.83 | 1119232.12 | 0 | 0 | 0 | 7900196.260000001 Électricité, Gaz et Eau ( 300 à 500 ) | 732038.86 | 0 | 813840.96 | 2404890.3699999996 | 63713.43000000001 | 93685.17 | 0 | 172144.4 | 0 | 4280313.1899999995 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1343.07 | 14104.01 | 550290.42 | 0 | 0 | 0 | 0 | 565737.5 Total | 16504976.559999999 | 1312517.0999999999 | 11733874.260000002 | 33100265.570000008 | 34393347.28000001 | 9775222.31 | 4280198.45 | 864635.3600000001 | 0 | 111965036.89000002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.10523313218204293 | 0.5073609479068882 | 0.2629766896786228 | 0.3162585075899739 | 0.3245152386342548 | 0.2996168922934705 | 0 | 0.10930364911284682 | #DIV/0! | 0.2692024400403875 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12804427272691624 | 0.027580943516850184 | 0.04913092958267306 | 0.1066003265906727 | 0.09296673609489979 | 0.30217146539759876 | 0.031085624078948958 | 0.23834213766136048 | #DIV/0! | 0.11382951298021045 Industries Manufacturières ( 200 à 290 ) | 0.08074945972537631 | 0.003112149929322826 | 0.12807764312961026 | 0.12435583277406313 | 0.1649187923996678 | 0.187980699745334 | 0.0033541318627410836 | 0.452906020406105 | #DIV/0! | 0.13282296414201628 Prêts aux Particuliers ( 1560 ) | 0.1701635479329636 | 0.020488304495232864 | 0.11328388821511026 | 0.12447451792453999 | 0.08229185100706485 | 0.0251435263777648 | 0.04566561627533882 | 0.00035339752933537206 | #DIV/0! | 0.10321681366794752 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.3146248248897846 | 0.26277315548879326 | 0.27111890663808763 | 0.15309046990223282 | 0.19381210894457604 | 0.04967261353261233 | 0.9198946277829712 | 0 | #DIV/0! | 0.22216863630776582 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.096793645491854 | 0.10371869440786716 | 0.020430426020263143 | 0.006907643973927184 | 0.07898057603656422 | 0.011334014356549196 | 0 | 0 | #DIV/0! | 0.044918318608165274 Bâtiments et Travaux Publics ( 600 ) | 0.060038502714480683 | 0.07496580425504552 | 0.08550880789820223 | 0.095231886382717 | 0.04466229522513633 | 0.1144968456476976 | 0 | 0 | #DIV/0! | 0.07055949320823736 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04435261433658165 | 0 | 0.06935824792109199 | 0.07265471525943407 | 0.0018524928522165056 | 0.00958394264897286 | 0 | 0.1990947952903522 | #DIV/0! | 0.038229016029398454 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00011446091633847112 | 0.00042609960243892984 | 0.015999908805619453 | 0 | 0 | 0 | #DIV/0! | 0.005052805015871235 Total | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999997 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activité juin 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2018 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 | 2232.35 | 15241 | 618893.04 | 0.35 | 0 | 0 | 0 | 636366.74 200 | Industrie alimentaire | 835618 | 1209.33 | 316648.55 | 242949.11 | 1364312.41 | 468706.83 | 14740.92 | 161065.14 | 0 | 3405250.2899999996 210 | Industrie des boissons | 0 | 0 | 91356.99 | 993499.49 | 2227275.15 | 240089.99 | 0 | 0 | 0 | 3552221.62 220 | Industrie du bois | 36756 | 0 | 113.53 | 13176.16 | 292.2 | 28162.55 | 0 | 0 | 0 | 78500.44 230 | Industrie chimique | 0 | 0 | 14619.79 | 426268.65 | 49435.95 | 48719.11 | 0 | 154748.86 | 0 | 693792.36 240 | Industrie du textile | 32945 | 0 | 257319.09 | 899625.61 | 7218.79 | 155021.87 | 0 | 30108.15 | 0 | 1382238.5099999998 250 | Industrie pharmacie | 0 | 0 | 37929.26 | 51.6 | 10411.76 | 121021.87 | 0 | 0 | 0 | 169414.49 260 | Imprimerie, édition | 101221 | 0 | 7686.6 | 142342.2 | 129466.65 | 86170.33 | 0 | 0 | 0 | 466886.78 270 | Sidérurgie, aciérie | 284881 | 0 | 100430.22 | 314457.23 | 0 | 344496.51 | 0 | 0 | 0 | 1044264.96 280 | Industrie de la fabrication | 48160 | 2842.33 | 300334.6 | 1162279.89 | 672574.58 | 209735.64 | 0 | 0 | 0 | 2395927.04 290 | Autres industries | 0 | 0 | 44556.89 | 8477.68 | 993752.45 | 113388.8 | 0 | 0.05 | 0 | 1160175.8699999999 300 | Production et distribution de l'électricité | 749552 | 0 | 83715.58 | 2326352.28 | 0 | 3766.63 | 0 | 164591.22 | 0 | 3327977.71 400 | Production et distribution de gaz | 0 | 0 | 4312.64 | 3746.01 | 192.12 | 91190.6 | 0 | 0 | 0 | 99441.37000000001 500 | Traitement et distribution de l'eau | 0 | 337.5 | 361258.47 | 35471.51 | 53979.39 | 535.44 | 0 | 0 | 0 | 451582.31 600 | Entrep/ batiment et corps/ métiers corresp. | 926647 | 95426.95 | 975544.37 | 2524166.7 | 1524530.21 | 907442.61 | 0 | 0 | 0 | 6953757.84 700 | Commerce de gros(1) | 1462517 | 270031.18 | 2116758.88 | 4542787.09 | 4999871.07 | 1661142.86 | 0 | 0 | 0 | 15053108.079999998 800 | Commerce de détail(2) | 109798 | 397353.62 | 835463.61 | 5335256.03 | 6127639.9 | 982360.32 | 0 | 142285.04 | 0 | 13930156.52 900 | Rest/débits/boissons, casinos/activités/loterie | 100262 | 597.68 | 11134.65 | 1878.79 | 30207.55 | 29317.79 | 0 | 0 | 0 | 173398.46 1000 | Hotels,motels et pensions | 930763 | 0 | 6543.86 | 749322.75 | 38329.89 | 278102.9 | 133993.39 | 0 | 0 | 2137055.79 1100 | Transport | 1548044 | 135636.57 | 163020.17 | 213033.06 | 1070595.06 | 76856.6 | 0 | 0 | 0 | 3207185.4600000004 1200 | Immobilier résidentiel / Avance Hypothécaire | 1958533 | 283320.54 | 1542860.2 | 499219.8 | 2611634.74 | 302593.06 | 3110273.59 | 0 | 0 | 10308434.93 1300 | Immobilier commercial | 3174206 | 62456.56 | 1379156.64 | 4473293.61 | 4075363.86 | 164306.4 | 675616.56 | 0 | 0 | 14004399.63 1400 | Télécommunications | 33191 | 0 | 28012.73 | 35487.86 | 1596404.6 | 28212.74 | 0 | 0 | 0 | 1721308.9300000002 1500 | Services financiers | 153613 | 0 | 401779.78 | 1477262.86 | 2591422.73 | 1696697.72 | 0 | 75690.49 | 0 | 6396466.58 1510 | Services professionnels | 725483 | 23845.47 | 201005.44 | 97678.55 | 339696.13 | 307895.78 | 0 | 0 | 0 | 1695604.3699999999 1520 | Services médicaux | 347 | 0 | 14664.1 | 5331.7 | 16430.28 | 45388.74 | 0 | 0 | 0 | 82161.82 1530 | Services d'agence ou de représentation | 1351 | 941.22 | 20679.7 | 20263.63 | 25705.87 | 9508.03 | 0 | 0 | 0 | 78449.45 1540 | Services d'enseignement | 52131 | 0 | 24136.07 | 78653.77 | 10491.42 | 18952.54 | 0 | 0 | 0 | 184364.80000000005 1550 | Autres services | 139483 | 9828.52 | 22666.9 | 1345310.26 | 377109.39 | 301079.9 | 0 | 0 | 0 | 2195477.9699999997 1560 | Crédit à la consommation | 2567982 | 29187.26 | 1319993.55 | 3179275.06 | 2567445.56 | 261662.24 | 248273.96 | 533.2 | 0 | 10174352.83 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 15973484 | 1313014.73 | 10685935.21 | 31162159.939999998 | 34130682.75000001 | 8982526.75 | 4182898.42 | 729022.15 | 0 | 107159723.94999999 (1) Commerce de gros Import-export | 139334 | 47119.39 | 1084633.19 | 1284602.36 | 1942149.6 | 101607 | 0 | 4599445.540000001 Produits pétroliers | 76606.91 | 67622.99 | 1715.81 | 122153 | 0 | 268098.71 Produits pharmaceutiques | 15232.78 | 125107.54 | 91852.89 | 16824 | 0 | 249017.21000000002 Produits alimentaires | 308351 | 13010.01 | 778203.06 | 1757334.27 | 1142943.04 | 820847 | 0 | 4820688.38 Matériaux de construction | 110435.17 | 24537.54 | 273575.66 | 853459.6 | 559826 | 0 | 1821833.97 Appareils électroménagers électron.,équipe.inform. | - | - | - | 0 | 0 Autres | 1014831 | 99466.62 | 137545.4 | 1034544.26 | 967750.13 | 39885 | 0 | 3294022.41 S-Total | 1462516 | 270031.19 | 2116758.88 | 4542787.08 | 4999871.07 | 1661142 | 0 | 0 | 0 | 15053106.22 (2) Commerce de détail Produits pétroliers | 23748 | 5166.23 | 63352.57 | 66973.28 | 143410.57 | 47740 | 106155.26 | 456545.91000000003 Produits pharmaceutiques | 6868 | 890.24 | 8928.93 | 1219.35 | 48968 | 0 | 66874.51999999999 Véhicules automobiles | 11861 | 170529.97 | 1929306.42 | 3770694.84 | 463072 | 0 | 6345464.23 Produits alimentaires | 1186 | 279302.69 | 477567.01 | 554441.6 | 112479 | 0 | 1424976.2999999998 Librairie ,papeterie | 1022 | - | 24476.07 | 37323.01 | - | 0 | 62821.08 Appareils électro- ménagers électroni.équip. inform. | 25361 | 38858.55 | 257389.57 | 258563.47 | 219197 | 36129.78 | 0 | 835499.37 Matériaux de construction | 0 | 0.66 | 140392.16 | 408353.24 | 139 | 0 | 548885.06 Autres | 39752 | 392187.39 | 282528.93 | 2430222.6 | 953633.83 | 90765 | 0 | 4189089.75 S-Total | 109798 | 397353.62 | 835463.6100000001 | 5335256.039999999 | 6127639.909999999 | 982360 | 0 | 142285.03999999998 | 0 | 13930156.22 [Secteur d'activité juin 18 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU30 JUIN 2018 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 | 0.00020890544029416772 | 0.0004890867651454587 | 0.018133040130877544 | 3.896453745601147e-08 | 0 | 0 | #DIV/0! | 0.005938488048895353 200 | Industrie alimentaire | 0.05231282042164377 | 0.0009210330793470991 | 0.0296322730558648 | 0.007796285959245994 | 0.039973194207490605 | 0.05217984238120972 | 0.003524092272840802 | 0.22093312253955522 | #DIV/0! | 0.03177733353987424 210 | Industrie des boissons | 0 | 0 | 0.00854927418187107 | 0.03188159909046408 | 0.06525726913564305 | 0.026728558309052627 | 0 | 0 | #DIV/0! | 0.03314885004423344 220 | Industrie du bois | 0.0023010634373816004 | 0 | 1.0624245587204902e-05 | 0.00042282563292690684 | 8.56121168569357e-06 | 0.003135259240947988 | 0 | 0 | #DIV/0! | 0.0007325554518657382 230 | Industrie chimique | 0 | 0 | 0.0013681338799732437 | 0.013679046985855373 | 0.0014484313238650342 | 0.005423764532624409 | 0 | 0.21226907851839616 | #DIV/0! | 0.006474376140831782 240 | Industrie du textile | 0.0020624805458846675 | 0 | 0.024080165651687493 | 0.02886916734052293 | 0.00021150441240440753 | 0.017258158457474117 | 0 | 0.04129936244049649 | #DIV/0! | 0.012898862175540347 250 | Industrie pharmacie | 0 | 0 | 0.0035494562950845365 | 1.6558544112266694e-06 | 0.00030505571998849036 | 0.013473031961747288 | 0 | 0 | #DIV/0! | 0.0015809530274550508 260 | Imprimerie, édition | 0.006336814185308602 | 0 | 0.0007193193528636414 | 0.004567789918095133 | 0.003793262823023954 | 0.009593105859662483 | 0 | 0 | #DIV/0! | 0.004356924064286003 270 | Sidérurgie, aciérie | 0.01783461892220883 | 0 | 0.009398355691509007 | 0.010090995958093398 | 0 | 0.03835184904960066 | 0 | 0 | #DIV/0! | 0.00974493887728982 280 | Industrie de la fabrication | 0.0030149966031205217 | 0.0021647358061245817 | 0.02810559806865982 | 0.037297796180940854 | 0.019705863633800287 | 0.02334929200183011 | 0 | 0 | #DIV/0! | 0.022358465957955657 290 | Autres industries | 0 | 0 | 0.004169676226213989 | 0.0002720504617241882 | 0.029116102284827566 | 0.012623263270549126 | 0 | 6.858502173082122e-08 | #DIV/0! | 0.01082660375778245 300 | Production et distribution de l'électricité | 0.04692476606856713 | 0 | 0.007834183752270756 | 0.07465311404855077 | 0 | 0.0004193285591941043 | 0 | 0.22576984800804747 | #DIV/0! | 0.031056236310881242 400 | Production et distribution de gaz | 0 | 0 | 0.0004035809608843773 | 0.00012021021672479102 | 5.628952734618236e-06 | 0.010151998712389029 | 0 | 0 | #DIV/0! | 0.0009279733684868271 500 | Traitement et distribution de l'eau | 0 | 0.0002570420516150645 | 0.03380691188001316 | 0.001138287912914165 | 0.0015815502548070179 | 5.96090626727051e-05 | 0 | 0 | #DIV/0! | 0.0042141048273949015 600 | Entrep/ batiment et corps/ métiers corresp. | 0.058011577186291984 | 0.07267774520701684 | 0.09129237177922211 | 0.08100101869896251 | 0.04466743959289826 | 0.10102309019007374 | 0 | 0 | #DIV/0! | 0.06489152438694763 700 | Commerce de gros(1) | 0.09155904873351361 | 0.20565738816959045 | 0.19808831313324046 | 0.145778954306978 | 0.1464919734135702 | 0.1849304662521601 | 0 | 0 | #DIV/0! | 0.14047356156893123 800 | Commerce de détail(2) | 0.006873766549614349 | 0.3026269324488081 | 0.07818348076995311 | 0.17120944248641837 | 0.1795346417440184 | 0.10936347281125547 | 0 | 0.1951724512074153 | #DIV/0! | 0.12999433001992164 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006276777188996464 | 0.0004551967212127163 | 0.001041991157646182 | 6.029075017962314e-05 | 0.0008850555443400848 | 0.0032638689330927962 | 0 | 0 | #DIV/0! | 0.001618130894783814 1000 | Hotels,motels et pensions | 0.05826925422155868 | 0 | 0.0006123806547017235 | 0.024045918236821683 | 0.0011230332038992099 | 0.03096043103907261 | 0.03203362275290444 | 0 | #DIV/0! | 0.019942714587405395 1100 | Transport | 0.09691335966530533 | 0.10330163622764538 | 0.01525558285693555 | 0.006836273878645654 | 0.03136752545625533 | 0.008556233912690548 | 0 | 0 | #DIV/0! | 0.029929019428012446 1200 | Immobilier résidentiel | 0.12261151042565291 | 0.21577864552974207 | 0.14438232776820287 | 0.01602006410855999 | 0.07651867849025082 | 0.03368685320085465 | 0.7435689987422645 | 0 | #DIV/0! | 0.09619691568830326 1300 | Immobilier commercial | 0.1987171990781723 | 0.04756729576065 | 0.1290627926238381 | 0.14354889451222042 | 0.11940469781548683 | 0.01829177964874972 | 0.16151875856454578 | 0 | #DIV/0! | 0.13068715664603953 1400 | Télécommunications | 0.002077881068400607 | 0 | 0.0026214579678328406 | 0.0011388125877130712 | 0.046773298140366085 | 0.0031408467556191806 | 0 | 0 | #DIV/0! | 0.016063021315761802 1500 | Services financiers | 0.009616749858703337 | 0 | 0.037598934684164156 | 0.04740566324171174 | 0.07592648377360689 | 0.18888869103562647 | 0 | 0.10382467802933011 | #DIV/0! | 0.0596909579851526 1510 | Services professionnels | 0.04541795640825758 | 0.01816085490526066 | 0.01881028062119422 | 0.003134524377901643 | 0.009952807932035873 | 0.0342771904353082 | 0 | 0 | #DIV/0! | 0.015823149850508738 1520 | Services médicaux | 2.1723501272483824e-05 | 0 | 0.0013722804519979866 | 0.00017109532876622544 | 0.00048139324139362535 | 0.005053003599460475 | 0 | 0 | #DIV/0! | 0.0007667229530969691 1530 | Services d'agence ou de représentation | 8.457766633753788e-05 | 0.0007168388735440919 | 0.0019352260324999667 | 0.0006502639752512611 | 0.0007531601459100607 | 0.0010585028316225165 | 0 | 0 | #DIV/0! | 0.0007320796201061882 1540 | Services d'enseignement | 0.0032635960946278218 | 0 | 0.002258676430810963 | 0.0025240153491106177 | 0.0003073896902926736 | 0.0021099341563330164 | 0 | 0 | #DIV/0! | 0.001720467291293354 1550 | Autres services | 0.008732158870287785 | 0.007485460578191686 | 0.002121190102181052 | 0.04317127768390499 | 0.011048984655895872 | 0.033518397259434826 | 0 | 0 | #DIV/0! | 0.02048790244200699 1560 | Crédit à la consommation | 0.16076530329889208 | 0.022229194641251282 | 0.12352625428280133 | 0.10202357815123904 | 0.07522397306863132 | 0.029130137575153894 | 0.05935452766744453 | 0.0007313906717374774 | #DIV/0! | 0.09494567972895568 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999999 | 1 | 1 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.00130024597735071 | 0.00043971175235562937 | 0.010121649720804456 | 0.011987734875085969 | 0.01812387647532756 | 0.0009481827337238116 | 0 | 0 | #DIV/0! | 0.04292140153464814 Produits pétroliers | 0 | 0 | 0.0007148852868988752 | 0.0006310485647718954 | 1.6011706047326002e-05 | 0.001139915217185477 | 0 | 0 | #DIV/0! | 0.002501860774903574 Produits pharmaceutiques | 0 | 0 | 0.00014215023554099032 | 0.0011674865834702443 | 0.0008571587030483388 | 0.00015699928461788466 | 0 | 0 | #DIV/0! | 0.0023237948066774585 Produits alimentaires | 0.0028774896820737846 | 0.00012140764757914441 | 0.007262085336866904 | 0.01639920489922091 | 0.010665789327091675 | 0.007660032797238277 | 0 | 0 | #DIV/0! | 0.044986009690070695 Matériaux de construction | 0 | 0.0010305660179894484 | 0.0002289809930030153 | 0.0025529709289625322 | 0.00796436915420031 | 0.005224220251455772 | 0 | 0 | #DIV/0! | 0.017001107345611076 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | #VALUE! | #VALUE! | #VALUE! | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.00947026515739732 | 0.0009282089980598536 | 0.0012835550049025673 | 0.009654226624199886 | 0.00903091286845369 | 0.0003722014067394395 | 0 | 0 | #DIV/0! | 0.030739370059752757 S-Total | 0.013648000816821814 | 0.0025198944159840757 | #VALUE! | #VALUE! | #VALUE! | 0.015501551690960663 | - | 0 | #DIV/0! | 0.1404735442116637 (2) Commerce de détail Produits pétroliers | 0.00022161311288073734 | 4.8210557190409786e-05 | 0.000591197584920617 | 0.0006249855592316501 | 0.0013382879753116425 | 0.0004455032006453765 | 0 | 0.0009906264787461689 | #DIV/0! | 0.004260424468926603 Produits pharmaceutiques | 6.409124386326866e-05 | 0 | 8.307598855101381e-06 | 8.332356291031675e-05 | 1.1378808707728105e-05 | 0.00045696272997911176 | 0 | 0 | #DIV/0! | 0.0006240639443155266 Véhicules automobiles | 0.00011068524220475095 | 0 | 0.0015913625354201935 | 0.01800402566266596 | 0.035187612481713565 | 0.004321325055074482 | 0 | 0 | #DIV/0! | 0.05921501097707896 Produits alimentaires | 1.1067591034047266e-05 | 0 | 0.0026064147956402052 | 0.0044565905211068815 | 0.005173973761435768 | 0.0010496387621573378 | 0 | 0 | #DIV/0! | 0.013297685431374238 Librairie ,papeterie | 9.537165292408354e-06 | 0 | 0 | 0.00022840736330582908 | 0.0003482932637771134 | 0 | 0 | 0 | #DIV/0! | 0.0005862377923753509 Appareils électro- ménagers électroni.équip. inform. | 0.00023666540996161275 | 0 | 0.0003626227146509928 | 0.002401924533886409 | 0.0024128792093626892 | 0.0020455166542074693 | 0 | 0.0003371582033643341 | #DIV/0! | 0.007796766725433508 Matériaux de construction | 0 | 0 | 0 | 0.001310120582855421 | 0.003810697013278374 | 1.2971291346817623e-06 | 0 | 0 | #DIV/0! | 0.005122120884298901 Autres | 0.00037096026879042746 | 0.0036598394951352434 | 0.0026365216294493826 | 0.022678507469223473 | 0.00889918147274212 | 0.0008470066612186342 | 0 | 0 | #DIV/0! | 0.03909201699655928 S-Total | 0.0010246200340272528 | 0.003708050052325653 | 0.007796426858936493 | 0.049787885255185946 | 0.057182303986328994 | 0.009167250192417093 | - | 0.0013277846821105029 | #DIV/0! | 0.12999432722036236 [Secteur d'activité juin 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1572315 | 667384.8 | 2952222.4899999998 | 9878043.120000001 | 11127510.97 | 2643503.18 | 0 | 142285.04 | 0 | 28983264.6 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2103433 | 35212.89 | 702610.4999999999 | 3775702.3100000005 | 3429393.26 | 2686943.4 | 133993.39 | 75690.49 | 0 | 12942979.240000002 Industries Manufacturières ( 200 à 290 ) | 1339581 | 4051.66 | 1170995.5199999998 | 4203127.62 | 5454739.9399999995 | 1815513.5000000002 | 14740.92 | 345922.2 | 0 | 14348672.359999998 Prêts aux Particuliers ( 1560 ) | 2567982 | 29187.26 | 1319993.55 | 3179275.06 | 2567445.56 | 261662.24 | 248273.96 | 533.2 | 0 | 10174352.83 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5132739 | 345777.1 | 2922016.84 | 4972513.41 | 6686998.6 | 466899.45999999996 | 3785890.15 | 0 | 0 | 24312834.56 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1581235 | 135636.57 | 191032.90000000002 | 248520.91999999998 | 2666999.66 | 105069.34000000001 | 0 | 0 | 0 | 4928494.390000001 Bâtiments et Travaux Publics ( 600 ) | 926647 | 95426.95 | 975544.37 | 2524166.7 | 1524530.21 | 907442.61 | 0 | 0 | 0 | 6953757.84 Électricité, Gaz et Eau ( 300 à 500 ) | 749552 | 337.5 | 449286.68999999994 | 2365569.7999999993 | 54171.51 | 95492.67000000001 | 0 | 164591.22 | 0 | 3879001.389999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2232.35 | 15241 | 618893.04 | 0.35 | 0 | 0 | 0 | 636366.74 Total | 15973484 | 1313014.73 | 10685935.209999997 | 31162159.94 | 34130682.75 | 8982526.75 | 4182898.42 | 729022.1499999999 | 0 | 107159723.95 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.09843281528312796 | 0.5082843206183986 | 0.2762717939031937 | 0.31698839679339635 | 0.3260266151575887 | 0.29429393906341555 | 0 | 0.19517245120741533 | #DIV/0! | 0.27046789158885287 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1316827938100417 | 0.02681835107820915 | 0.06575096013519625 | 0.12116304894364778 | 0.1004783081873743 | 0.29913001928995087 | 0.03203362275290444 | 0.10382467802933013 | #DIV/0! | 0.12078212562435406 Industries Manufacturières ( 200 à 290 ) | 0.08386279411554799 | 0.003085768885471681 | 0.10958287664931482 | 0.13487921338228007 | 0.1598192447527291 | 0.20211612506469856 | 0.003524092272840802 | 0.4745016320834697 | #DIV/0! | 0.13389986303711449 Prêts aux Particuliers ( 1560 ) | 0.16076530329889208 | 0.022229194641251282 | 0.12352625428280137 | 0.10202357815123902 | 0.07522397306863134 | 0.029130137575153894 | 0.05935452766744453 | 0.0007313906717374775 | #DIV/0! | 0.09494567972895566 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.3213287095038252 | 0.26334594129039207 | 0.27344512039204105 | 0.15956895862078038 | 0.19592337630573767 | 0.05197863284960437 | 0.9050877573068102 | 0 | #DIV/0! | 0.2268840723343427 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09899124073370594 | 0.10330163622764538 | 0.0178770408247684 | 0.007975086466358723 | 0.07814082359662143 | 0.011697080668309729 | 0 | 0 | #DIV/0! | 0.04599204074377424 Bâtiments et Travaux Publics ( 600 ) | 0.058011577186291984 | 0.07267774520701684 | 0.09129237177922214 | 0.0810010186989625 | 0.04466743959289827 | 0.10102309019007374 | 0 | 0 | #DIV/0! | 0.06489152438694762 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04692476606856713 | 0.0002570420516150645 | 0.04204467659316831 | 0.0759116121781897 | 0.0015871792075416364 | 0.010630936334255839 | 0 | 0.22576984800804753 | #DIV/0! | 0.03619831450676296 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.0002089054402941678 | 0.0004890867651454586 | 0.018133040130877548 | 3.896453745601147e-08 | 0 | 0 | #DIV/0! | 0.005938488048895352 Total | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activité mars 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2018 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 | 2142.1932256749997 | 16821.851 | 577159.97 | 0 | 0 | 0 | 0 | 596124.014225675 200 | Industrie alimentaire | 689620.71314 | 1209.3326299999999 | 399585.73111411993 | 168103.073 | 1337910.78 | 491103.768 | 15107 | 165764.31404 | 0 | 3268404.7119241203 210 | Industrie des boissons | 2.5003 | 0 | 4351.58263 | 1011332.647 | 2217393.73 | 239129.784 | 0 | 0 | 0 | 3472210.24393 220 | Industrie du bois | 36099.988520000006 | 0 | 287.89504 | 13637.444 | 572.76 | 28915.092 | 0 | 0 | 0 | 79513.17956 230 | Industrie chimique | 177.01354999999998 | 0 | 14705.56314 | 514381.791 | 57591.01 | 52396.314 | 0 | 158830.07029 | 0 | 798081.76198 240 | Industrie du textile | 39198.65713 | 0 | 297221.625080195 | 842607.753 | 10230.48 | 124811.412 | 0 | 9790.725 | 0 | 1323860.652210195 250 | Industrie pharmacie | 0 | 0 | 44846.412108855 | 212.415 | 12783.59 | 118458.663 | 0 | 0 | 0 | 176301.080108855 260 | Imprimerie, édition | 51199.46959 | 0 | 8247.95013 | 93094.085 | 76696.86 | 66656.181 | 0 | 0 | 0 | 295894.54572 270 | Sidérurgie, aciérie | 317450.19624 | 0 | 85242.80203 | 321788.4 | 0 | 284678.158 | 0 | 0 | 0 | 1009159.5562700001 280 | Industrie de la fabrication | 50051.80446 | 3024.75382 | 413789.58011914004 | 1220443.672 | 671867.17 | 203411.017 | 0 | 0 | 0 | 2562587.99739914 290 | Autres industries | 0 | 0 | 64167.074031104996 | 5833.916 | 266228.44 | 114998.253 | 0 | 0 | 0 | 451227.68303110497 300 | Production et distribution de l'électricité | 701526.53287 | 0 | 355772.93300556 | 2052923.158 | 0 | 3516.547 | 0 | 160567.89 | 0 | 3274307.06087556 400 | Production et distribution de gaz | 0 | 0 | 0 | 4343.474 | 104.94 | 92232.893 | 0 | 0 | 0 | 96681.307 500 | Traitement et distribution de l'eau | 0 | 388.13241 | 344452.00125561486 | 26193.846 | 59154.97 | 4029.681 | 0 | 0 | 0 | 434218.63066561485 600 | Entrep/ batiment et corps/ métiers corresp. | 948027.31855 | 92007.86456 | 1099779.5697774352 | 2146244.79 | 1455787.72 | 834991.104 | 0 | 0 | 0 | 6576838.366887435 700 | Commerce de gros(1) | 2722786.05031 | 259772.77839 | 1570422.90848789 | 4750474.765 | 4757306.56 | 1829041.695 | 0 | 0 | 0 | 15889804.757187888 800 | Commerce de détail(2) | 118315.00606999999 | 407513.07983999996 | 755877.407492325 | 4719514.079 | 6150948.64 | 782642.037 | 0 | 138806.96652000002 | 0 | 13073617.215922326 900 | Rest/débits/boissons, casinos/activités/loterie | 98658.20658 | 855.23667 | 11892.291246835 | 1801.774 | 27759.49 | 26142.788 | 0 | 0 | 0 | 167109.786496835 1000 | Hotels,motels et pensions | 935907.23895 | 0 | 6065.72467 | 749907.884 | 31171.76 | 272322.371 | 136422.29 | 0 | 0 | 2131797.26862 1100 | Transport | 1547909.22285 | 135977.64508000002 | 153681.17560694503 | 198916.783 | 1049076.76 | 88606.467 | 0 | 0 | 0 | 3174168.053536945 1200 | Immobilier résidentiel / Avance Hypothécaire | 1853604.23309 | 284896.35533 | 1448394.028104035 | 437840.952 | 2598376.91 | 337866.115 | 3107526.19 | 0 | 0 | 10068504.783524035 1300 | Immobilier commercial | 2652459.43075 | 63327.523270000005 | 1433255.2032461597 | 4310070.701 | 4030282.95 | 132461.381 | 803479.14 | 0 | 0 | 13425336.329266159 1400 | Télécommunications | 61404.99427 | 0 | 28662.33697845 | 109247.413 | 1105319.49 | 28794.251 | 0 | 0 | 0 | 1333428.48524845 1500 | Services financiers | 168550.87967 | 0 | 389617.3178834349 | 1382924.513 | 4566834.71 | 1627822.751 | 0 | 58431.27368 | 0 | 8194181.445233434 1510 | Services professionnels | 727382.14781 | 24074.98638 | 150996.61003602503 | 102314.382 | 270197.75 | 319486.975 | 0 | 0 | 0 | 1594452.8512260253 1520 | Services médicaux | 422.78138 | 73.95653 | 13763.41086797 | 5861.544 | 15008.44 | 44062.756 | 0 | 0 | 0 | 79192.88877797 1530 | Services d'agence ou de représentation | 1574.84007 | 941.2188100000001 | 14567.916900465001 | 16505.181 | 26827.38 | 10051.255 | 0 | 0 | 0 | 70467.791780465 1540 | Services d'enseignement | 49914.41167 | 0 | 16447.17741055 | 51445.325 | 12462.94 | 14561.323 | 0 | 0 | 0 | 144831.17708055 1550 | Autres services | 51205.647090000006 | 11332.35758 | 22841.540564490002 | 670243.874 | 321697.81 | 291088.476 | 0 | 0 | 0 | 1368409.70523449 1560 | Crédit à la consommation | 2592880.33271 | 35849.14436 | 1269683.1682765002 | 3092074.88 | 2378656.46 | 233696.882 | 154438.71 | 777.51139 | 0 | 9758057.0887365 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 16416329.617619997 | 1321244.3656600001 | 10420761.130459778 | 29037106.365000002 | 34085410.47 | 8697976.39 | 4216973.33 | 692968.75092 | 0 | 104888770.41965978 (1) Commerce de gros Import-export | 112796 | 47448.97633 | 718696.44623 | 1254533.821 | 1759565.83 | 237505 | 0 | 0 | 4130546.07356 Produits pétroliers | 1056000 | 0 | 77828.87862999999 | 74132.301 | 13644 | 126216 | 0 | 0 | 1347821.17963 Produits pharmaceutiques | 0 | 0 | 15216.03098 | 122817.503 | 99592.03 | 16340 | 0 | 0 | 253965.56398 Produits alimentaires | 465493 | 13171.05873 | 579430.1650299999 | 1918401.019 | 1237367.54 | 810827 | 0 | 0 | 5024689.78276 Matériaux de construction | 0 | 107979.79898 | 26999.914969999998 | 326403.819 | 936892.71 | 599059 | 0 | 0 | 1997335.2429499999 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 Autres | 1088497 | 91172.94434999999 | 152251.47265 | 1054186.302 | 710244.46 | 39095 | 0 | 0 | 0 | 3135447.1789999995 S-Total | 2722786 | 259772.77839 | 1570422.9084900003 | 4750474.765000001 | 4757306.57 | 1829042 | 0 | 0 | 0 | 15889805.021879999 (2) Commerce de détail Produits pétroliers | 24014 | 5240.911480000001 | 1918.8654299999998 | 60783.041 | 125564.39 | 31724 | 0 | 103560.35652 | 352805.56443 Produits pharmaceutiques | 7734 | 872.091 | 10215.504 | 1124.96 | 45047 | 0 | 0 | 0 | 64993.555 Véhicules automobiles | 17206 | 141816.59956 | 1640337.484 | 3846307.51 | 251963 | 0 | 0 | 0 | 5897630.59356 Produits alimentaires | 1564 | 409354.54965 | 488741.815 | 564818.61 | 111751 | 0 | 0 | 0 | 1576229.97465 Librairie ,papeterie | 1022 | 0 | 19836.755 | 21573.88 | 3 | 0 | 0 | 0 | 42435.635 Appareils électro- ménagers électroni.équip. inform. | 27579 | 38161.43613 | 225793.369 | 269621.71 | 248976 | 0 | 35246.61 | 0 | 845378.12513 Matériaux de construction | 0 | 0 | 142069.403 | 414364.45 | 0 | 0 | 556433.853 Autres | 39196 | 402272.16836 | 163753.86572 | 2131736.709 | 907573.13 | 93178 | 0 | 0 | 3737709.87308 S-Total | 118315 | 407513.07984 | 755877.40749 | 4719514.08 | 6150948.64 | 782642 | 0 | 138806.96652000002 | 0 | 13073617.17385 [Secteur d'activité mars 18 (%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2018 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 | 0.00020556974666786966 | 0.0005793225670818317 | 0.0169327569197966 | 0 | 0 | 0 | #DIV/0! | 0.005683392148087769 200 | Industrie alimentaire | 0.042008215551411404 | 0.0009152982305403459 | 0.03834515791232705 | 0.005789250171381531 | 0.039251713901980186 | 0.056461841925050334 | 0.0035824272097068253 | 0.23920893087881348 | #DIV/0! | 0.03116067333850172 210 | Industrie des boissons | 1.5230566504441864e-07 | 0 | 0.0004175877918629541 | 0.034828974839552676 | 0.06505404216715012 | 0.02749257681073103 | 0 | 0 | #DIV/0! | 0.033103736749298264 220 | Industrie du bois | 0.0021990292203473497 | 0 | 2.762706451052656e-05 | 0.00046965575111292595 | 1.6803670312379254e-05 | 0.0033243470324020963 | 0 | 0 | #DIV/0! | 0.0007580714240606303 230 | Industrie chimique | 1.0782772649131481e-05 | 0 | 0.001411179371247249 | 0.01771463673184778 | 0.0016896088152052113 | 0.00602396599515258 | 0 | 0.22920235592028332 | #DIV/0! | 0.00760883895184276 240 | Industrie du textile | 0.0023877844830751476 | 0 | 0.028522064881750266 | 0.029018309965473724 | 0.00030014249084675906 | 0.014349476982197233 | 0 | 0.014128667399506292 | #DIV/0! | 0.012621567084001757 250 | Industrie pharmacie | 0 | 0 | 0.004303563966913069 | 7.315295034219915e-06 | 0.0003750457988837005 | 0.013619106064278474 | 0 | 0 | #DIV/0! | 0.0016808384672970683 260 | Imprimerie, édition | 0.003118813448716729 | 0 | 0.0007914921018476592 | 0.0032060386400006905 | 0.0022501374911563445 | 0.007663412500939198 | 0 | 0 | #DIV/0! | 0.0028210316942045032 270 | Sidérurgie, aciérie | 0.019337464806948926 | 0 | 0.008180093657538716 | 0.011081972010402147 | 0 | 0.03272924013995857 | 0 | 0 | #DIV/0! | 0.0096212354500139 280 | Industrie de la fabrication | 0.0030489034775640915 | 0.0022893220199194926 | 0.03970819165114891 | 0.04203048529212494 | 0.019711282942927694 | 0.023386016227160623 | 0 | 0 | #DIV/0! | 0.024431480959746503 290 | Autres industries | 0 | 0 | 0.006157618740875395 | 0.00020091244377683362 | 0.007810627371916757 | 0.013221265251100548 | 0 | 0 | #DIV/0! | 0.004301963701411923 300 | Production et distribution de l'électricité | 0.04273345803906353 | 0 | 0.03414078190177869 | 0.07069999097687295 | 0 | 0.0004042948431135026 | 0 | 0.2317101453519032 | #DIV/0! | 0.031216945796724127 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.00014958356887914372 | 3.0787365782894737e-06 | 0.010603948420237088 | 0 | 0 | #DIV/0! | 0.000921750790033845 500 | Traitement et distribution de l'eau | 0 | 0.0002937627740089673 | 0.0330543994765205 | 0.0009020818283592082 | 0.0017354923758968598 | 0.00046328948473956476 | 0 | 0 | #DIV/0! | 0.0041398009427349265 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05774904260770093 | 0.06963728054502574 | 0.10553735528614995 | 0.07391386603821465 | 0.042709995271475454 | 0.09599831806395602 | 0 | 0 | #DIV/0! | 0.06270297898024275 700 | Commerce de gros(1) | 0.16585839305928504 | 0.19661221280609656 | 0.15070136325239814 | 0.16360014339190507 | 0.1395701707681386 | 0.2102835893073745 | 0 | 0 | #DIV/0! | 0.15149195374884086 800 | Commerce de détail(2) | 0.007207153415280476 | 0.3084312716341729 | 0.07253571961100835 | 0.16253389782284525 | 0.1804569331918038 | 0.08997978402192466 | 0 | 0.20030768535481136 | #DIV/0! | 0.12464267779682045 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0060097603348624315 | 0.000647296361088196 | 0.0011412113854211623 | 6.20507421556225e-05 | 0.0008144097318244794 | 0.0030056172640404236 | 0 | 0 | #DIV/0! | 0.0015932095097333017 1000 | Hotels,motels et pensions | 0.05701074848944741 | 0 | 0.0005820807706905352 | 0.02582584760938523 | 0.0009145191320912968 | 0.03130870432266142 | 0.03235075949602935 | 0 | #DIV/0! | 0.020324361321909706 1100 | Transport | 0.09429082254711772 | 0.10291634811405627 | 0.014747596042455721 | 0.006850434079057036 | 0.030777882546649586 | 0.010187020868655174 | 0 | 0 | #DIV/0! | 0.030262229606058916 1200 | Immobilier résidentiel | 0.11291222071348318 | 0.21562730009273187 | 0.1389911936346371 | 0.015078670253718994 | 0.07623135160091268 | 0.03884422075328259 | 0.7369091399968611 | 0 | #DIV/0! | 0.09599220911104178 1300 | Immobilier commercial | 0.1615744501074746 | 0.047930212545024595 | 0.13753843748099834 | 0.14843320291016196 | 0.11824070458377556 | 0.015228988337136654 | 0.19053455574024225 | 0 | #DIV/0! | 0.12799593584281152 1400 | Télécommunications | 0.003740482537831886 | 0 | 0.002750503213692355 | 0.0037623381485312815 | 0.03242793543509878 | 0.003310454030790948 | 0 | 0 | #DIV/0! | 0.01271278593421779 1500 | Services financiers | 0.010267269456449677 | 0 | 0.03738856624825489 | 0.047626113140079064 | 0.13398209518466744 | 0.18714959411380971 | 0 | 0.08432021444318434 | #DIV/0! | 0.07812258082965917 1510 | Services professionnels | 0.04430845169125291 | 0.01822144866288519 | 0.014489979008794614 | 0.003523573620384057 | 0.007927079248108582 | 0.03673118443587773 | 0 | 0 | #DIV/0! | 0.015201368505385488 1520 | Services médicaux | 2.5753709254608273e-05 | 5.5974906627553756e-05 | 0.0013207682908822937 | 0.00020186391599492286 | 0.00044031859358741065 | 0.005065862911591555 | 0 | 0 | #DIV/0! | 0.0007550178008677135 1530 | Services d'agence ou de représentation | 9.593131392230883e-05 | 0.0007123729981091225 | 0.0013979705242338901 | 0.0005684168660791418 | 0.0007870634277270008 | 0.0011555854545151276 | 0 | 0 | #DIV/0! | 0.0006718335194370522 1540 | Services d'enseignement | 0.003040534201775883 | 0 | 0.0015783086479619103 | 0.0017717097686431261 | 0.00036563854822781606 | 0.0016741046821811389 | 0 | 0 | #DIV/0! | 0.001380807273277022 1550 | Autres services | 0.0031191897508587967 | 0.008577033798240007 | 0.0021919263169486165 | 0.023082323203109562 | 0.009437991374143485 | 0.03346622972380821 | 0 | 0 | #DIV/0! | 0.013046293704840712 1560 | Crédit à la consommation | 0.15794519195856097 | 0.027132864511473096 | 0.12184169202048296 | 0.10648701840783438 | 0.06978517867911714 | 0.026867960031333217 | 0.03662311755716036 | 0.0011220006514980068 | #DIV/0! | 0.09303242901689601 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 1 | 1 | 0.9999999999999997 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.0010753868078413296 | 0.00045237422595533085 | 0.006851986569720446 | 0.011960611378897975 | 0.016775540631852014 | 0.0022643510744738728 | 0 | 0 | #DIV/0! | 0.039380250688740966 Produits pétroliers | 0.010067807981492642 | 0 | 0.0007420134521417955 | 0.0007067706171346733 | 0.00013008065539724014 | 0.0012033318676061319 | 0 | 0 | #DIV/0! | 0.01285000457377248 Produits pharmaceutiques | 0 | 0 | 0.0001450682558211016 | 0.0011709309062219663 | 0.0009495013584536502 | 0.0001557840742590812 | 0 | 0 | #DIV/0! | 0.0024212845947557994 Produits alimentaires | 0.004437967936296358 | 0.0001255716763320098 | 0.005524234507771431 | 0.018289860881431644 | 0.011796949616715829 | 0.007730350892244066 | 0 | 0 | #DIV/0! | 0.047904935510791335 Matériaux de construction | 0 | 0.0010294695852375144 | 0.00025741473431305743 | 0.0031119043315510223 | 0.008932249908655559 | 0.005711374035591857 | 0 | 0 | #DIV/0! | 0.019042412595349008 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.010377631424650376 | 0.000869234561385525 | 0.0014515516965337867 | 0.010050516349674063 | 0.006771406101514139 | 0.0003727281752239155 | 0 | 0 | #DIV/0! | 0.0298930683089818 S-Total | 0.025958794150280705 | 0.00247665004891038 | 0.014972269216301617 | 0.04529059446491134 | 0.04535572827258843 | 0.017437920119398924 | - | 0 | #DIV/0! | 0.1514919562723914 (2) Commerce de détail Produits pétroliers | 0.00022894729248822376 | 4.9966373511970094e-05 | 1.8294288533678322e-05 | 0.0005794999860977221 | 0.0011971194771148246 | 0.0003024537314440081 | 0 | 0.0009873350226688254 | #DIV/0! | 0.0033636161718592524 Produits pharmaceutiques | 7.373525277354554e-05 | 0 | 8.314436297715814e-06 | 9.739368627478221e-05 | 1.0725266351193146e-05 | 0.00042947400202869227 | 0 | 0 | #DIV/0! | 0.000619642643725929 Véhicules automobiles | 0.00016404043951663105 | 0 | 0.0013520665653014336 | 0.015638828422118143 | 0.03667034606861087 | 0.002402192331856847 | 0 | 0 | #DIV/0! | 0.05622747382740393 Produits alimentaires | 1.4911033790771298e-05 | 0 | 0.003902749055138822 | 0.004659620024570265 | 0.005384929270694678 | 0.0010654238728596442 | 0 | 0 | #DIV/0! | 0.01502763325705418 Librairie ,papeterie | 9.743655072997613e-06 | 0 | 0 | 0.00018912181848097925 | 0.00020568341028008 | 2.860172722014955e-08 | 0 | 0 | #DIV/0! | 0.000404577485561277 Appareils électro- ménagers électroni.équip. inform. | 0.0002629356783348348 | 0 | 0.00036382766217313983 | 0.0021526934494188574 | 0.0025705488673500895 | 0.0023737145454546514 | 0 | 0.00033603797488499843 | #DIV/0! | 0.008059758177616571 Matériaux de construction | 0 | 0 | 0 | 0.001354476770311832 | 0.003950512989542432 | 0 | 0 | 0 | #DIV/0! | 0.005304989759854264 Autres | 0.00037369110004032726 | 0.0038352262758969318 | 0.0015612144661894794 | 0.020323783951999106 | 0.008652719698865776 | 0.0008883505796396982 | 0 | 0 | #DIV/0! | 0.03563498607263132 S-Total | 0.0011280044520173313 | 0.003885192649408902 | 0.007206466473634269 | 0.044995418109271684 | 0.05864258504880994 | 0.007461637665010762 | - | 0.0013233729975538238 | #DIV/0! | 0.12464267739570672 [Secteur d'activité mars 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 2841101.05638 | 667285.8582299999 | 2326300.3159802146 | 9469988.844 | 10908255.2 | 2611683.732 | 0 | 138806.96652000002 | 0 | 28963421.973110218 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2033616.1532200002 | 37277.75597 | 626191.9895797699 | 2981004.4770000004 | 5271960.28 | 2605538.6949999994 | 136422.29 | 58431.27368 | 0 | 13750442.914449768 Industries Manufacturières ( 200 à 290 ) | 1183800.34293 | 4234.08645 | 1332446.215423415 | 4191435.1959999995 | 4651274.819999999 | 1724558.6420000002 | 15107 | 334385.10933 | 0 | 13437241.412133416 Prêts aux Particuliers ( 1560 ) | 2592880.33271 | 35849.14436 | 1269683.1682765002 | 3092074.88 | 2378656.46 | 233696.882 | 154438.71 | 777.51139 | 0 | 9758057.0887365 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 4506063.66384 | 348223.8786 | 2881649.2313501947 | 4747911.653 | 6628659.86 | 470327.496 | 3911005.33 | 0 | 0 | 23493841.112790197 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1609314.21712 | 135977.64508000002 | 182343.51258539504 | 308164.196 | 2154396.25 | 117400.71800000001 | 0 | 0 | 0 | 4507596.538785395 Bâtiments et Travaux Publics ( 600 ) | 948027.31855 | 92007.86456 | 1099779.5697774352 | 2146244.79 | 1455787.72 | 834991.104 | 0 | 0 | 0 | 6576838.366887435 Électricité, Gaz et Eau ( 300 à 500 ) | 701526.53287 | 388.13241 | 700224.9342611749 | 2083460.478 | 59259.91 | 99779.121 | 0 | 160567.89 | 0 | 3805206.9985411745 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2142.1932256749997 | 16821.851 | 577159.97 | 0 | 0 | 0 | 0 | 596124.014225675 Total | 16416329.617619999 | 1321244.36566 | 10420761.130459774 | 29037106.365 | 34085410.47 | 8697976.389999999 | 4216973.33 | 692968.75092 | 0 | 104888770.4196598 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1730655464745655 | 0.5050434844402695 | 0.22323708286340654 | 0.32613404121475037 | 0.32002710395994244 | 0.3002633733292992 | 0 | 0.20030768535481136 | #DIV/0! | 0.2761346315456613 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12387763894782403 | 0.028214126726950072 | 0.06009081119318793 | 0.10266189886583076 | 0.15466911524037752 | 0.2995568829084853 | 0.03235075949602935 | 0.08432021444318434 | #DIV/0! | 0.13109547246511014 Industries Manufacturières ( 200 à 290 ) | 0.07211114606637782 | 0.0032046202504598387 | 0.12786457714002183 | 0.14434755114070746 | 0.13645940465037912 | 0.19827124892897077 | 0.0035824272097068253 | 0.48253995419860307 | #DIV/0! | 0.128109437820379 Prêts aux Particuliers ( 1560 ) | 0.15794519195856097 | 0.0271328645114731 | 0.121841692020483 | 0.1064870184078344 | 0.06978517867911714 | 0.026867960031333224 | 0.03662311755716036 | 0.0011220006514980068 | #DIV/0! | 0.093032429016896 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.27448667082095773 | 0.2635575126377565 | 0.27652963111563555 | 0.16351187316388094 | 0.19447205618468824 | 0.05407320909041925 | 0.9274436957371035 | 0 | #DIV/0! | 0.2239881449538533 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09803130508494959 | 0.10291634811405628 | 0.017498099256148085 | 0.01061277222758832 | 0.06320581798174836 | 0.013497474899446126 | 0 | 0 | #DIV/0! | 0.042975015540276704 Bâtiments et Travaux Publics ( 600 ) | 0.057749042607700925 | 0.06963728054502576 | 0.10553735528614999 | 0.07391386603821466 | 0.042709995271475454 | 0.09599831806395605 | 0 | 0 | #DIV/0! | 0.06270297898024275 Électricité, Gaz et Eau ( 300 à 500 ) | 0.042733458039063525 | 0.00029376277400896736 | 0.06719518137829922 | 0.0717516563741113 | 0.0017385711124751494 | 0.011471532748090159 | 0 | 0.2317101453519032 | #DIV/0! | 0.03627849752949289 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00020556974666786974 | 0.0005793225670818319 | 0.0169327569197966 | 0 | 0 | 0 | #DIV/0! | 0.005683392148087768 Total | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d'activité déc 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2017 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 | 66392.99211 | 17941.888 | 609410.34 | 0 | 0 | 0 | 0 | 693745.22011 200 | Industrie alimentaire | 704512 | 1209.3326299999999 | 257718.71928999998 | 127602.323 | 1544134.85 | 511817.791 | 16016.99046 | 135952.84231 | 0 | 3298964.8486900004 210 | Industrie des boissons | 7 | 0 | 3726.73738 | 1056603.848 | 2051691.05 | 237736.987 | 0 | 17500 | 0 | 3367265.62238 220 | Industrie du bois | 34907 | 0 | 5840.9893600000005 | 671.331 | 0 | 29807.925 | 0 | 0 | 0 | 71227.24536 230 | Industrie chimique | 209 | 0 | 15205.557480000001 | 420808.992 | 67653.49 | 48960.856 | 0 | 130621.35829 | 0 | 683459.2537700001 240 | Industrie du textile | 45441 | 0 | 125959.16653 | 804482.843 | 8629.06 | 93294.493 | 0 | 16892.52562 | 0 | 1094699.08815 250 | Industrie pharmacie | 0 | 0 | 39849.94216 | 367.584 | 17122.24 | 130356.214 | 0 | 0 | 0 | 187695.98016 260 | Imprimerie, édition | 8007 | 0 | 12346.10962 | 43950.669 | 42083.59 | 49402.152 | 0 | 0 | 0 | 155789.52062 270 | Sidérurgie, aciérie | 317468 | 0 | 122510.93319 | 352057.057 | 0 | 364752.891 | 0 | 0 | 0 | 1156788.88119 280 | Industrie de la fabrication | 51483 | 3028.52303 | 374211.751 | 1233675.062 | 720797.56 | 188659.167 | 0 | 0 | 0 | 2571855.06303 290 | Autres industries | 0 | 0 | 34581.35447 | 6587.802 | 205640.73 | 61764.463 | 0 | 0.03821 | 0 | 308574.38768000004 300 | Production et distribution de l'électricité | 685325 | 0 | 44969.99029 | 1235293.192 | 127374.2 | 2362.491 | 0 | 156670.266 | 0 | 2251995.13929 400 | Production et distribution de gaz | 0 | 0 | 153.23848999999998 | 5129.296 | 889.15 | 91260.498 | 0 | 0 | 0 | 97432.18249 500 | Traitement et distribution de l'eau | 0 | 751.98289 | 314374.23935000005 | 24257.56 | 46305.34 | 583.11 | 0 | 0 | 0 | 386272.23224000004 600 | Entrep/ batiment et corps/ métiers corresp. | 969116 | 96449.64968999999 | 745821.96656 | 2219174.666 | 1459708.74 | 427166.792 | 0 | 0 | 0 | 5917437.814250001 700 | Commerce de gros(1) | 1653932 | 268445.74466 | 1932867.02699 | 4584494.685 | 4459767.28 | 1950282.65 | 0 | 32500 | 0 | 14882289.386650002 800 | Commerce de détail(2) | 118736 | 393899.10095999995 | 570041.0514700001 | 4470117.554 | 5983294.83 | 779481.47 | 0 | 34391.034 | 0 | 12349961.04043 900 | Rest/débits/boissons, casinos/activités/loterie | 96815 | 935.77567 | 12078.318070000001 | 5061.885 | 22244.09 | 28989.781 | 0 | 0 | 0 | 166124.84974 1000 | Hotels,motels et pensions | 937980 | 0 | 6152.50626 | 742969.761 | 19074.34 | 343139.865 | 137419.7759 | 0 | 0 | 2186736.24816 1100 | Transport | 1583566 | 137422.97494 | 182986.70569 | 213428.761 | 887379.11 | 66082.113 | 0 | 0 | 0 | 3070865.66463 1200 | Immobilier résidentiel / Avance Hypothécaire | 1799641 | 291191.15676 | 1352459.2794 | 304869.369 | 2576714.42 | 331680.003 | 2914814.39063 | 0 | 0 | 9571369.618789999 1300 | Immobilier commercial | 1953822 | 51100.69032 | 1184834.69899 | 3975695.603 | 4106526.02 | 150503.635 | 957343.60907 | 0 | 0 | 12379826.25638 1400 | Télécommunications | 73213 | 0 | 47776.18797 | 109485.489 | 625688.09 | 29137.603 | 0 | 0 | 0 | 885300.36997 1500 | Services financiers | 163080 | 0 | 436840.25068 | 1702575.675 | 4060864.13 | 1558392.319 | 0 | 121806.81421 | 0 | 8043559.188890001 1510 | Services professionnels | 735595 | 24113.200739999997 | 151241.68059 | 104030.336 | 404503.07 | 221968.186 | 0 | 0 | 0 | 1641451.47333 1520 | Services médicaux | 494 | 184.61553 | 4345.84979 | 3041.769 | 18232.58 | 46455.809 | 0 | 0 | 0 | 72754.62332 1530 | Services d'agence ou de représentation | 3966 | 941.2188100000001 | 36928.40153 | 18971.735 | 27504.72 | 1106.579 | 0 | 0 | 0 | 89418.65434000001 1540 | Services d'enseignement | 60181 | 0 | 17745.991420000002 | 149999.898 | 10789.88 | 9993.102 | 0 | 0 | 0 | 248709.87142 1550 | Autres services | 47058 | 10120.13259 | 26992.84749 | 731160.152 | 378733.99 | 311722.841 | 0 | 0 | 0 | 1505787.9630800001 1560 | Crédit à la consommation | 2728910 | 42379.471170000004 | 1331156.3598800001 | 3358610.613 | 1962464.12 | 226159.857 | 140654.66159 | 1286.0620900000001 | 0 | 9791621.144730002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 14773464 | 1322173.57039 | 9458110.843500001 | 28023117.397999994 | 32445221.009999998 | 8293021.643000001 | 4166249.4276500004 | 647620.94073 | 0 | 99128978.83327 (1) Commerce de gros Import-export | 84802 | 48067.967710000004 | 1051946.38707 | 977745.231 | 1839883.73 | 296424 | 0 | 0 | 4298869.31578 Produits pétroliers | 0 | 0 | 78705.26105 | 73351.936 | 20317.57 | 110041 | 0 | 0 | 282415.76705 Produits pharmaceutiques | 0 | 0 | 12769.750119999999 | 137866.901 | 102395.49 | 16035 | 0 | 0 | 269067.14112000004 Produits alimentaires | 443810 | 12893.232880000001 | 573047.75654 | 2043119.214 | 1047421.19 | 708873 | 0 | 0 | 4829164.39342 Matériaux de construction | 1125320 | 105601.1466 | 27200.38657 | 330705.02 | 801943.08 | 696607 | 0 | 0 | 3087376.6331700003 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 101883.39747 | 189197.48564 | 1021706.383 | 647806.21 | 122229 | 73.66 | 32500 | 0 | 2115396.13611 S-Total | 1653932 | 268445.74465999997 | 1932867.0269900002 | 4584494.6850000005 | 4459767.27 | 1950209 | 73.66 | 32500 | 0 | 14882289.38665 (2) Commerce de détail Produits pétroliers | 24801 | 5313.74053 | 2067.72842 | 62934.122 | 119263.69 | 54008 | 0 | 268388.28095 Produits pharmaceutiques | 8559 | 0 | 568.35454 | 12698.025 | 1458.47 | 25654 | 0 | 0 | 48937.84954 Véhicules automobiles | 15753 | 0 | 87410.83056999999 | 1582640.129 | 3574981.62 | 268114 | 0 | 0 | 5528899.57957 Produits alimentaires | 1988 | 0 | 270872.98269 | 487557.229 | 626503.62 | 95495 | 0 | 0 | 1482416.83169 Librairie ,papeterie | 1057 | 0 | 0 | 24385.863 | 24475.67 | 2 | 0 | 0 | 49920.532999999996 Appareils électro- ménagers électroni.équip. inform. | 2559 | 0 | 37593.23401 | 227368.008 | 272991.43 | 253604 | 0 | 0 | 794115.67201 Matériaux de construction | 25089 | 0 | 0 | 158579.843 | 502520.05 | 80 | 0 | 0 | 686268.8929999999 Autres | 38930 | 388585.36043 | 171527.92124 | 1913954.335 | 861100.28 | 82515 | 9.47 | 34391.03 | 0 | 3491013.3966699997 S-Total | 118736 | 393899.10096 | 570041.0514700001 | 4470117.554 | 5983294.83 | 779472 | 9.47 | 34391.03 | 0 | 12349961.036430001 [Secteur d'activité déc. 17 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2017 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 | 0.007019688520105257 | 0.0006402531076460647 | 0.018782745841434478 | 0 | 0 | 0 | #DIV/0! | 0.006998409832071859 200 | Industrie alimentaire | 0.04768766485639387 | 0.0009146549719968192 | 0.027248435079095606 | 0.004553466382334286 | 0.04759205830418229 | 0.06171668337945515 | 0.003844462684759248 | 0.20992656932426182 | #DIV/0! | 0.03327952015160667 210 | Industrie des boissons | 4.7382252395240547e-07 | 0 | 0.0003940255555961438 | 0.037704721890627686 | 0.06323553935316528 | 0.02866711281293589 | 0 | 0.027021979833255477 | #DIV/0! | 0.03396852930406529 220 | Industrie du bois | 0.0023628175490866595 | 0 | 0.0006175640629137018 | 2.395632828658502e-05 | 0 | 0.0035943382621170853 | 0 | 0 | #DIV/0! | 0.0007185310107935307 230 | Industrie chimique | 1.4146986786578963e-05 | 0 | 0.0016076738506876221 | 0.015016494632750356 | 0.0020851603994051513 | 0.005903862079188835 | 0 | 0.20169415482884673 | #DIV/0! | 0.006894646366927117 240 | Industrie du textile | 0.0030758527587030366 | 0 | 0.013317581979551896 | 0.028707828310972135 | 0.00026595781231819696 | 0.01124975877504773 | 0 | 0.026083970664936652 | #DIV/0! | 0.011043179310776814 250 | Industrie pharmacie | 0 | 0 | 0.004213308854102349 | 1.311717018415069e-05 | 0.0005277276426849651 | 0.015718783769246698 | 0 | 0 | #DIV/0! | 0.001893452170789485 260 | Imprimerie, édition | 0.0005419852784695586 | 0 | 0.0013053462603987928 | 0.0015683718686892686 | 0.0012970659064713826 | 0.005957075011579105 | 0 | 0 | #DIV/0! | 0.0015715840358048094 270 | Sidérurgie, aciérie | 0.021489069862017467 | 0 | 0.012953002477677082 | 0.012563093962741141 | 0 | 0.04398311094580125 | 0 | 0 | #DIV/0! | 0.011669532913636297 280 | Industrie de la fabrication | 0.0034848292858059558 | 0.002290563884972137 | 0.039565168688752844 | 0.044023476920096234 | 0.022215831409434436 | 0.02274914682747078 | 0 | 0 | #DIV/0! | 0.025944533004377376 290 | Autres industries | 0 | 0 | 0.00365626445303987 | 0.00023508455203025236 | 0.006338089974379251 | 0.007447763391783059 | 0 | 5.900056282449667e-08 | #DIV/0! | 0.0031128575247305512 300 | Production et distribution de l'électricité | 0.046388917318240325 | 0 | 0.004754648262650168 | 0.04408121960364633 | 0.003925823157769268 | 0.0002848769847350077 | 0 | 0.24191661533272976 | #DIV/0! | 0.022717828487648837 400 | Production et distribution de gaz | 0 | 0 | 1.6201807373119518e-05 | 0.00018303802275638603 | 2.74046522822561e-05 | 0.01100449292532975 | 0 | 0 | #DIV/0! | 0.0009828829433810276 500 | Traitement et distribution de l'eau | 0 | 0.0005687474828121004 | 0.03323858691781465 | 0.0008656267486404371 | 0.001427185223541185 | 7.031333392120028e-05 | 0 | 0 | #DIV/0! | 0.003896663082646001 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06559842701752278 | 0.0729477973618474 | 0.07885527870214792 | 0.07919085640908682 | 0.044989945963077295 | 0.05150918572129427 | 0 | 0 | #DIV/0! | 0.05969432837800979 700 | Commerce de gros(1) | 0.11195289066937855 | 0.20303366416620844 | 0.20436079244285288 | 0.16359688395435956 | 0.13745529052261496 | 0.23517153746321168 | 0 | 0.05018367683318874 | #DIV/0! | 0.15013056284662502 800 | Commerce de détail(2) | 0.008037113029144689 | 0.29791784511606295 | 0.06027007516641185 | 0.15951535621511656 | 0.1844122075222073 | 0.09399245577249242 | 0 | 0.05310364726816019 | #DIV/0! | 0.12458477012258967 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006553303950921734 | 0.0007077555405406987 | 0.0012770328313820422 | 0.00018063247311525968 | 0.0006855891039590733 | 0.003495683750502422 | 0 | 0 | #DIV/0! | 0.001675845466131692 1000 | Hotels,motels et pensions | 0.06349086443098247 | 0 | 0.0006505005451726391 | 0.026512744833057926 | 0.0005878936683501421 | 0.04137694073060071 | 0.0329840491517361 | 0 | #DIV/0! | 0.022059505443286987 1100 | Transport | 0.10718989128074499 | 0.10393716681196742 | 0.01934706715937421 | 0.007616167679304386 | 0.0273500713626361 | 0.007968399920405222 | 0 | 0 | #DIV/0! | 0.030978485814880056 1200 | Immobilier résidentiel | 0.12181577726117584 | 0.22023670967353223 | 0.14299465313725576 | 0.010879209642170592 | 0.07941737919448372 | 0.039995072637964896 | 0.6996255124057994 | 0 | #DIV/0! | 0.09655470813321466 1300 | Immobilier commercial | 0.13225212448481954 | 0.03864900302380639 | 0.1252718136417556 | 0.14187199612858722 | 0.12656797803085762 | 0.018148226482326568 | 0.229785476288681 | 0 | #DIV/0! | 0.1248860464627831 1400 | Télécommunications | 0.004955709778018209 | 0 | 0.005051345745523139 | 0.003906970357545373 | 0.019284445305740267 | 0.003513508616560112 | 0 | 0 | #DIV/0! | 0.008930792795303896 1500 | Services financiers | 0.011038711029451184 | 0 | 0.04618683983601381 | 0.06075611256303386 | 0.12516062469564915 | 0.18791610417602278 | 0 | 0.18808350155061235 | #DIV/0! | 0.08114235901107048 1510 | Services professionnels | 0.04979163992953853 | 0.01823754556891298 | 0.015990685993486686 | 0.0037123041852376005 | 0.012467261969808355 | 0.02676565859289172 | 0 | 0 | #DIV/0! | 0.01655874490637939 1520 | Services médicaux | 3.343833240464119e-05 | 0.0001396303285245251 | 0.00045948391406161677 | 0.00010854499008083556 | 0.00056194963179263 | 0.005601795220106843 | 0 | 0 | #DIV/0! | 0.0007339389972166429 1530 | Services d'agence ou de représentation | 0.0002684543042850343 | 0.0007118723525250697 | 0.003904416235022103 | 0.0006770030161367418 | 0.0008477279286068886 | 0.0001334349586479187 | 0 | 0 | #DIV/0! | 0.0009020435335099913 1540 | Services d'enseignement | 0.0040735876162828165 | 0 | 0.0018762723035959945 | 0.005352719894422077 | 0.00033255683469298706 | 0.0012050013167920536 | 0 | 0 | #DIV/0! | 0.0025089522190914287 1550 | Autres services | 0.0031853057617360426 | 0.007654163429552502 | 0.0028539364717374382 | 0.026091321019558758 | 0.011673028514223088 | 0.03758857198487116 | 0 | 0 | #DIV/0! | 0.01519018939570295 1560 | Crédit à la consommation | 0.18471700340556554 | 0.032052880286738285 | 0.1407423091044471 | 0.1198514271377853 | 0.06048546007423237 | 0.02727110415669754 | 0.03376049946902415 | 0.0019858253634453937 | #DIV/0! | 0.09877657633494864 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999998 | 1 | 0.9999999999999999 | #DIV/0! | 0.9999999999999999 (1) Commerce de gros Import-export | 0.0057401568108874125 | 0.03635526286902063 | 0.11122161755938188 | 0.03489066605665298 | 0.05670738779781855 | 0.03574378709721643 | 0 | 0 | #DIV/0! | 0.04336642388912816 Produits pétroliers | 0 | 0 | 0.008321456827088198 | 0.0026175508940784412 | 0.0006262114840807491 | 0.0132691080208242 | 0 | 0 | #DIV/0! | 0.0028489728268563047 Produits pharmaceutiques | 0 | 0 | 0.0013501374990520323 | 0.004919756037200899 | 0.003155949838296386 | 0.001933553376595233 | 0 | 0 | #DIV/0! | 0.002714313657689923 Produits alimentaires | 0.03004102490790244 | 0.009751543344038332 | 0.060587972167171385 | 0.07290834866736907 | 0.032282757133236126 | 0.08547825274257516 | 0 | 0 | #DIV/0! | 0.048715970347504675 Matériaux de construction | 0.07617170895058871 | 0.07986935222797635 | 0.0028758794457027547 | 0.011801150289710537 | 0.024716832095328666 | 0.0839991778615451 | 0 | 0 | #DIV/0! | 0.03114504627716194 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0 | 0.07705750572517311 | 0.02000372894445662 | 0.03645941200934765 | 0.019966151865642663 | 0.014738777403670642 | 1.7680170445663497e-05 | 0.05018367683318874 | #DIV/0! | 0.02133983584828399 S-Total | 0.11195289066937857 | 0.20303366416620844 | 0.20436079244285288 | 0.1635968839543596 | 0.13745529021440314 | 0.23516265650242674 | - | 0.05018367683318874 | #DIV/0! | 0.150130562846625 (2) Commerce de détail Produits pétroliers | 0.0016787532023633726 | 0.004018943237862947 | 0.00021861960112478773 | 0.0022457930395885077 | 0.0036758476683897926 | 0.006512463408990044 | 0 | 0 | #DIV/0! | 0.0027074654062705086 Produits pharmaceutiques | 0.0005793495689298054 | 0 | 6.0091761389178096e-05 | 0.00045312678170867087 | 4.495176653444532e-05 | 0.00309344423593228 | 0 | 0 | #DIV/0! | 0.0004936785399788191 Véhicules automobiles | 0.001066303745688892 | 0 | 0.00924189111508164 | 0.05647623376523244 | 0.11018515234949852 | 0.03233007358980071 | 0 | 0 | #DIV/0! | 0.055774806163083085 Produits alimentaires | 0.00013456559680248315 | 0 | 0.02863922692089773 | 0.01739839369315838 | 0.019309580902743866 | 0.01151510319288817 | 0 | 0 | #DIV/0! | 0.014954424519830383 Librairie ,papeterie | 7.154720111681322e-05 | 0 | 0 | 0.0008702052185578902 | 0.0007543690330374483 | 2.411666200929508e-07 | 0 | 0 | #DIV/0! | 0.0005035917204792742 Appareils électro- ménagers électroni.équip. inform. | 0.0001732159769706008 | 0 | 0.0039747085471974145 | 0.008113587249084116 | 0.008413918028663168 | 0.03058040976102635 | 0 | 0 | #DIV/0! | 0.008010933647825253 Matériaux de construction | 0.0016982476147774145 | 0 | 0 | 0.0056588937179172585 | 0.015488260962843108 | 9.646664803718032e-06 | 0 | 0 | #DIV/0! | 0.006922989635092176 Autres | 0.0026351301224953063 | 0.2938989018782 | 0.018135537220721087 | 0.06829912274986931 | 0.026540126810496955 | 0.009949931828484918 | 0 | 0.053103641091707655 | #DIV/0! | 0.035216880449678696 S-Total | 0.008037113029144689 | 0.29791784511606295 | 0.060270075166411835 | 0.1595153562151166 | 0.1844122075222073 | 0.09399131384854627 | - | 0.053103641091707655 | #DIV/0! | 0.1245847700822382 [Secteur d'activité déc.17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1772668 | 662344.84562 | 2502908.07846 | 9054612.239 | 10443062.11 | 2729764.12 | 0 | 66891.034 | 0 | 27232250.42708 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2045169 | 36294.94333999999 | 692325.84583 | 3457811.211 | 4941946.8 | 2521768.4819999994 | 137419.7759 | 121806.81421 | 0 | 13954542.87228 Industries Manufacturières ( 200 à 290 ) | 1162034 | 4237.855659999999 | 991951.26048 | 4046807.5110000004 | 4657752.570000001 | 1716552.939 | 16016.99046 | 300966.76443 | 0 | 12896319.89103 Prêts aux Particuliers ( 1560 ) | 2728910 | 42379.471170000004 | 1331156.3598800001 | 3358610.613 | 1962464.12 | 226159.857 | 140654.66159 | 1286.0620900000001 | 0 | 9791621.144730002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3753463 | 342291.84708 | 2537293.97839 | 4280564.972 | 6683240.4399999995 | 482183.63800000004 | 3872157.9996999996 | 0 | 0 | 21951195.87517 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1656779 | 137422.97494 | 230762.89366 | 322914.25 | 1513067.2 | 95219.716 | 0 | 0 | 0 | 3956166.0346 Bâtiments et Travaux Publics ( 600 ) | 969116 | 96449.64968999999 | 745821.96656 | 2219174.666 | 1459708.74 | 427166.792 | 0 | 0 | 0 | 5917437.814250001 Électricité, Gaz et Eau ( 300 à 500 ) | 685325 | 751.98289 | 359497.46813000005 | 1264680.0480000002 | 174568.69 | 94206.099 | 0 | 156670.266 | 0 | 2735699.5540199997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 66392.99211 | 17941.888 | 609410.34 | 0 | 0 | 0 | 0 | 693745.22011 Total | 14773464 | 1322173.57039 | 9458110.843500001 | 28023117.398000002 | 32445221.009999998 | 8293021.643000001 | 4166249.4276499995 | 647620.9407299999 | 0 | 99128978.83327001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.11999000369852325 | 0.5009515092822714 | 0.26463086760926474 | 0.3231122401694761 | 0.32186749804482223 | 0.3291639932357041 | 0 | 0.10328732410134894 | #DIV/0! | 0.27471533296921463 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13843530535560244 | 0.02745096722005577 | 0.07319916813047232 | 0.12339138297464303 | 0.1523166323470823 | 0.30408319073043555 | 0.032984049151736104 | 0.1880835015506124 | #DIV/0! | 0.14077157897238954 Industries Manufacturières ( 200 à 290 ) | 0.07865684039978708 | 0.003205218856968956 | 0.10487837126181591 | 0.14440961201871208 | 0.143557430802041 | 0.20698763525462557 | 0.0038444626847592487 | 0.46472673365186357 | #DIV/0! | 0.13009636579350792 Prêts aux Particuliers ( 1560 ) | 0.18471700340556554 | 0.032052880286738285 | 0.1407423091044471 | 0.11985142713778527 | 0.06048546007423237 | 0.02727110415669754 | 0.03376049946902416 | 0.001985825363445394 | #DIV/0! | 0.09877657633494863 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25406790174599536 | 0.2588857126973386 | 0.26826646677901134 | 0.15275120577075776 | 0.20598535722534134 | 0.05814329912029147 | 0.9294109886944805 | 0 | #DIV/0! | 0.22144075459599774 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.1121456010587632 | 0.10393716681196742 | 0.02439841290489735 | 0.011523138036849756 | 0.04663451666837636 | 0.011481908536965334 | 0 | 0 | #DIV/0! | 0.039909278610183944 Bâtiments et Travaux Publics ( 600 ) | 0.06559842701752278 | 0.0729477973618474 | 0.07885527870214792 | 0.0791908564090868 | 0.044989945963077295 | 0.05150918572129427 | 0 | 0 | #DIV/0! | 0.05969432837800978 Électricité, Gaz et Eau ( 300 à 500 ) | 0.046388917318240325 | 0.0005687474828121004 | 0.03800943698783794 | 0.04512988437504315 | 0.00538041303359271 | 0.011359683243985957 | 0 | 0.24191661533272982 | #DIV/0! | 0.02759737451367586 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007019688520105257 | 0.0006402531076460645 | 0.018782745841434478 | 0 | 0 | 0 | #DIV/0! | 0.006998409832071858 Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | #DIV/0! | 0.9999999999999999 [Secteur d'activitésept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 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. | 0 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 | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 200 | Industrie alimentaire | 669613 | 1209.3 | 389022.28 | 90684.15 | 1637870.2 | 503318.08 | 16768.49 | 147583.78 | 3456069.28 210 | Industrie des boissons | 14 | 0 | 2991.73 | 775777.93 | 2464556.54 | 237266.08 | 0 | 71400 | 3552006.2800000003 220 | Industrie du bois | 18217 | 0 | 25.64 | 742.23 | 994.35 | 30378.34 | 0 | 0 | 50357.56 230 | Industrie chimique | 0 | 0 | 13946.18 | 299705.35 | 71244.26 | 45351.92 | 0 | 141796.18 | 572043.8899999999 240 | Industrie du textile | 51322 | 0 | 244352.44 | 731575.9 | 9943.26 | 117365.7 | 0 | 0 | 1154559.3 250 | Industrie pharmacie | 0 | 0 | 72686.73 | 517.59 | 17605.32 | 134784.95 | 0 | 0 | 225594.59 260 | Imprimerie, édition | 25590 | 0 | 2775.87 | 131320.68 | 33199.18 | 50305.62 | 0 | 0 | 243191.34999999998 270 | Sidérurgie, aciérie | 317501 | 0 | 116925.03 | 373105.58 | 0 | 363529.79 | 0 | 0 | 1171061.4000000001 280 | Industrie de la fabrication | 52833 | 3200.07 | 361798.65 | 1200274.99 | 611897.34 | 184895.04 | 0 | 1.11 | 2414900.1999999997 290 | Autres industries | 0 | 0 | 24745.01 | 4448.89 | 235395.55 | 109209.78 | 0 | 154217.4 | 528016.63 300 | Production et distribution de l'électricité | 747044 | 0 | 68965 | 1342068.25 | 125380 | 3408.81 | 0 | 0 | 2286866.06 400 | Production et distribution de gaz | 0 | 456.82 | 2.93 | 5843.82 | 197.81 | 93411.72 | 0 | 0 | 99913.1 500 | Traitement et distribution de l'eau | 0 | 1893.87 | 312811.71 | 25121.12 | 51194.1 | 0 | 0 | 0 | 391020.8 600 | Entrep/ batiment et corps/ métiers corresp. | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 700 | Commerce de gros(1) | 1252939 | 274002.05 | 1418628.14 | 4469159.84 | 4458634.31 | 1641378.41 | 0 | 132600 | 13647341.75 800 | Commerce de détail(2) | 113385 | 406375.8 | 613725.45 | 3741952.21 | 6290060.43 | 720882.22 | 93.11 | 33852.6 | 11920326.82 900 | Rest/débits/boissons, casinos/activités/loterie | 96077 | 1013.91 | 12286.63 | 1706.28 | 22265.82 | 29342.14 | 0 | 0 | 162691.78000000003 1000 | Hotels,motels et pensions | 901199 | 0 | 4112.18 | 1590510.53 | 26513.58 | 340954.28 | 118631.94 | 0 | 2981921.5100000002 1100 | Transport | 1583514 | 140227.64 | 126298.15 | 217554.29 | 864912.9 | 67489 | 0 | 0 | 2999995.98 1200 | Immobilier résidentiel / Avance Hypothécaire | 1708159 | 292817.95 | 1288768.4 | 245336.48 | 2571857.71 | 294918.04 | 2915350.4 | 0 | 9317207.979999999 1300 | Immobilier commercial | 1918481 | 25980.43 | 1169509.16 | 2815214.41 | 4074065.82 | 132290.9 | 957670.74 | 0 | 11093212.46 1400 | Télécommunications | 85375 | 0 | 19162.88 | 109098 | 147324.95 | 30603.88 | 0 | 0 | 391564.71 1500 | Services financiers | 157052 | 0 | 268773.08 | 1687293.83 | 3730110.94 | 1493343.68 | 0 | 128706.57 | 7465280.1 1510 | Services professionnels | 746533 | 26328.82 | 85110.33 | 109954.64 | 222195.89 | 162420.57 | 0 | 0 | 1352543.25 1520 | Services médicaux | 562 | 397.52 | 2268.01 | 3663.67 | 16572.78 | 48309 | 0 | 0 | 71772.98 1530 | Services d'agence ou de représentation | 1742 | 941.22 | 11760.56 | 12334.25 | 27475.5 | 9867.95 | 0 | 0 | 64121.479999999996 1540 | Services d'enseignement | 24811 | 0 | 16313.58 | 156343.37 | 9691.07 | 27585.99 | 0 | 0 | 234745.01 1550 | Autres services | 35275 | 10498.45 | 21504.73 | 669186.53 | 319218.96 | 367621.9 | 0 | 0 | 1423305.5699999998 1560 | Crédit à la consommation | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprise d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 14388284 | 1330577.7099999997 | 8574671.979999999 | 26416606.560000006 | 31758653.639999997 | 7903541.660000001 | 4129252.6599999997 | 812236.95 | 95313825.16 (1) Commerce de gros Import-export | 33547 | 48467.25 | 646849.78 | 960684.54 | 1866081.11 | 108136 | 0 | 0 | 3663765.68 Produits pétroliers | 0 | 0 | 80488.62 | 74623.57 | 21063.62 | 95992 | 0 | 0 | 272167.81 Produits pharmaceutiques | 0 | 0 | 14207.32 | 126756.56 | 106678.27 | 14926 | 0 | 0 | 262568.15 Produits alimentaires | 382121 | 13293.6 | 532945.56 | 1941057.5 | 1156711.21 | 614650 | 0 | 132600 | 4773378.87 Matériaux de construction | 0 | 104104.2 | 29465.09 | 371155.82 | 626894.44 | 697653 | 0 | 0 | 1829272.5499999998 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 837270 | 108136.99 | 114671.76 | 994881.84 | 681205.65 | 110021 | 0 | 0 | 2846187.2399999998 S-Total | 1252938 | 274002.04 | 1418628.1300000001 | 4469159.83 | 4458634.3 | 1641378 | - | 132600 | 13647340.300000003 (2) Commerce de détail Produits pétroliers | 19893 | 5361.76 | 2210.09 | 60790.06 | 124025.57 | 1081 | 0 | 0 | 213361.48 Produits pharmaceutiques | 9329 | 0 | 954.99 | 15980.58 | 2902.05 | 26309 | 0 | 0 | 55475.619999999995 Véhicules automobiles | 15408 | 0 | 92985.8 | 1126906.92 | 3809917.59 | 241294 | 0 | 0 | 5286512.31 Produits alimentaires | 2298 | 0 | 283293.83 | 540529.04 | 670830.56 | 102056 | 0 | 0 | 1599007.4300000002 Librairie ,papeterie | 1077 | 0 | 0 | 26802.12 | 22377.04 | 3 | 0 | 0 | 50259.16 Appareils électro- ménagers électroni.équip. inform. | 25378 | 0 | 37048.65 | 213057.23 | 251921.09 | 255725 | 0 | 33852.6 | 816982.57 Matériaux de construction | 0 | 0 | 0 | 161378.9 | 548251.68 | 108 | 0 | 0 | 709738.5800000001 Autres | 40003 | 396939.18 | 197232.09 | 1596507.36 | 859834.85 | 94306 | 93.11 | 0 | 3184915.59 S-Total | 113386 | 402300.94 | 613725.4500000001 | 3741952.21 | 6290060.429999999 | 720882 | 93.11 | 33852.6 | 11916252.74 [Secteur d'activité sept. 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 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 | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507632 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 200 | Industrie alimentaire | 0.046538767235898316 | 0.0009088533431091373 | 0.04536876523176343 | 0.003432846296666803 | 0.051572406644376886 | 0.06368259973213071 | 0.004060901906641867 | 0.18170040158847736 | 0.036259894870428466 210 | Industrie des boissons | 9.730138771239155e-07 | 0 | 0.0003489031425316401 | 0.02936705470621204 | 0.07760267698804124 | 0.030020222604861927 | 0 | 0.0879053827826966 | 0.03726643300735619 220 | Industrie du bois | 0.0012660995571118834 | 0 | 2.9902018479312143e-06 | 2.8097098630521446e-05 | 3.1309576636070525e-05 | 0.003843636347707946 | 0 | 0 | 0.0005283342675154052 230 | Industrie chimique | 0 | 0 | 0.0016264388926513784 | 0.011345338748157512 | 0.0022433022762107244 | 0.005738176877023002 | 0 | 0.17457489467820936 | 0.0060016885172715475 240 | Industrie du textile | 0.003566929871553828 | 0 | 0.028497001467804258 | 0.02769378793367621 | 0.0003130882093652885 | 0.014849760404755047 | 0 | 0 | 0.012113240634943373 250 | Industrie pharmaceutique | 0 | 0 | 0.00847691085671128 | 1.959335688421594e-05 | 0.0005543471772942577 | 0.017053740689715047 | 0 | 0 | 0.002366861151793061 260 | Imprimerie, édition | 0.0017785303654000713 | 0 | 0.000323729001701124 | 0.004971141153264008 | 0.001045358546251018 | 0.006364946521962155 | 0 | 0 | 0.0025514803292362165 270 | Sidérurgie, aciérie | 0.022066634214337164 | 0 | 0.013636093633986454 | 0.014123902672834445 | 0 | 0.04599580866889489 | 0 | 0 | 0.012286375014686277 280 | Industrie de la fabrication | 0.003671945869291988 | 0.002405023003128469 | 0.04219387643560915 | 0.04543638060679054 | 0.01926710580795263 | 0.023393947669784282 | 0 | 1.3665962869578884e-06 | 0.025336305577351354 290 | Autres industries | 0 | 0 | 0.002885825843567721 | 0.0001684126229421346 | 0.0074120128853170115 | 0.013817828095056816 | 0 | 0.18986750110297249 | 0.005539769588657646 300 | Production et distribution de l'électricité | 0.051920298487297026 | 0 | 0.008042873262190959 | 0.05080396102170663 | 0.003947900355639888 | 0.0004313015792972994 | 0 | 0 | 0.02399301524370801 400 | Production et distribution de gaz | 0 | 0.00034332455486572075 | 3.4170403332443285e-07 | 0.0002212176642267408 | 6.228538597456741e-06 | 0.011818969775633471 | 0 | 0 | 0.0010482540159549715 500 | Traitement et distribution de l'eau | 0 | 0.0014233441502638732 | 0.03648089521437298 | 0.0009509593877223567 | 0.0016119732461051522 | 0 | 0 | 0 | 0.00410245627372112 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06893504465160682 | 0.07180656889254519 | 0.07264523371306854 | 0.08243512220443197 | 0.04205770040319631 | 0.052922483108667505 | 0 | 0 | 0.05919327485313989 700 | Commerce de gros(1) | 0.08708050244212583 | 0.20592713070475233 | 0.1654440127049618 | 0.16917993724323382 | 0.14039116269035892 | 0.20767631532924694 | 0 | 0.16325285373929369 | 0.1431832341959908 800 | Commerce de détail(2) | 0.007880369889835368 | 0.3054130525003309 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09121002343144477 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12506398520875395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006677446733745316 | 0.0007620073539335031 | 0.0014328979614214934 | 6.459118797581091e-05 | 0.0007010945820434976 | 0.0037125305669610397 | 0 | 0 | 0.0017069064191568748 1000 | Hotels,motels et pensions | 0.06263422378929968 | 0 | 0.0004795728640805687 | 0.06020873749955262 | 0.0008348458439247616 | 0.043139429722446734 | 0.028729639420998765 | 0 | 0.0312852989059494 1100 | Transport | 0.11005579261571428 | 0.10538853833647946 | 0.014729210667718162 | 0.008235512366278735 | 0.027233928421658372 | 0.008539083224114997 | 0 | 0 | 0.03147493005305381 1200 | Immobilier résidentiel | 0.11871874366672218 | 0.22006828146850593 | 0.15029944037579385 | 0.009287206494247002 | 0.08098132052930442 | 0.03731466887719295 | 0.7060237384456877 | 0 | 0.0977529541423768 1300 | Immobilier commercial | 0.13333633114275475 | 0.019525676557440606 | 0.13639112524978478 | 0.10656987314422112 | 0.1282820697055217 | 0.01673817962768858 | 0.231923502593324 | 0 | 0.11638618470487583 1400 | Télécommunications | 0.005933647125675306 | 0 | 0.002234823681266931 | 0.004129902141374815 | 0.004638891549685984 | 0.003872172921525411 | 0 | 0 | 0.0041081627911029065 1500 | Services financiers | 0.010915269673576084 | 0 | 0.031344998459054765 | 0.0638724669713974 | 0.11745179698996838 | 0.18894613886301698 | 0 | 0.15845938799016718 | 0.07832316127768763 1510 | Services professionnels | 0.051884783480782 | 0.01978751019359854 | 0.009925782607021665 | 0.004162330227777749 | 0.00699638884313863 | 0.02055035286547727 | 0 | 0 | 0.014190420410990041 1520 | Services médicaux | 3.9059557067402894e-05 | 0.00029875744724447553 | 0.0002645010800751355 | 0.00013868813890530228 | 0.000521835093762495 | 0.00611232306707421 | 0 | 0 | 0.0007530175174432166 1530 | Services d'agence ou de représentation | 0.00012107072671070435 | 0.0007073769483181859 | 0.0013715463433972667 | 0.0004669127343054163 | 0.0008651342815551422 | 0.0012485478567085834 | 0 | 0 | 0.0006727406007718345 1540 | Services d'enseignement | 0.0017243890932372478 | 0 | 0.0019025310866760414 | 0.005918374475725998 | 0.00030514738155631717 | 0.003490332712436161 | 0 | 0 | 0.0024628642235891987 1550 | Autres services | 0.0024516474653961517 | 0.007890144199093794 | 0.00250793616947199 | 0.02533203984698328 | 0.010051400906930892 | 0.04651356516035622 | 0 | 0 | 0.014932834429955428 1560 | Crédit à la consommation | 0.20080149933098346 | 0.03734441034639007 | 0.1495670450124904 | 0.1292061625041668 | 0.05435874736911549 | 0.031002913698818912 | 0.029239668758849938 | 0.0025599795724634295 | 0.1020708808367376 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000004 | 1.0000000000000004 | 0.9999999999999998 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.002331549752562571 | 0.03642571917126134 | 0.07543726238260139 | 0.03636668993869437 | 0.058758193314897726 | 0.013681967483929221 | 0 | 0 | 0.03843897434448533 Produits pétroliers | 0 | 0 | 0.009386787061678364 | 0.0028248734306773123 | 0.0006632403325017024 | 0.012145441136322167 | 0 | 0 | 0.0028554914205061164 Produits pharmaceutiques | 0 | 0 | 0.0016568937019559322 | 0.004798366501469369 | 0.003359029989408582 | 0.0018885204433780384 | 0 | 0 | 0.002754775076535183 Produits alimentaires | 0.026557788267176266 | 0.009990848260940733 | 0.06215346327452168 | 0.0734786845385034 | 0.036421922135361655 | 0.07776893276981853 | 0 | 0.16325285373929369 | 0.05008065579140377 Matériaux de construction | 0 | 0.07823984966650314 | 0.003436293547872837 | 0.014050094555369716 | 0.019739326707805614 | 0.08827093346402376 | 0 | 0 | 0.019192100903822333 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.05819109492139577 | 0.08127070609051465 | 0.013373311570106267 | 0.037661227899969896 | 0.02144944989550886 | 0.013920468156297413 | 0 | 0 | 0.029861221446334827 S-Total | 0.0870804329411346 | 0.20592712318921985 | 0.16544401153873647 | 0.16917993686468405 | 0.14039116237548416 | 0.20767626345376913 | - | 0.16325285373929369 | 0.14318321898308756 (2) Commerce de détail Produits pétroliers | 0.0013825832184018608 | 0.004029648144338749 | 0.000257746302733787 | 0.0023012062454701595 | 0.0039052527668802027 | 0.00013677412563926433 | 0 | 0 | 0.0022385155526161867 Produits pharmaceutiques | 0.0006483747471206434 | 0 | 0.00011137335658174065 | 0.0006049444679316902 | 9.137824395505453e-05 | 0.0033287608431483862 | 0 | 0 | 0.0005820311996384051 Véhicules automobiles | 0.0010708712727660922 | 0 | 0.010844239898259061 | 0.04265903409813284 | 0.11996470735778962 | 0.03052985742090717 | 0 | 0 | 0.05546427604941587 Produits alimentaires | 0.00015971327783076842 | 0 | 0.033038445162773454 | 0.020461713686513713 | 0.021122764447265154 | 0.01291269210568063 | 0 | 0 | 0.016776238151346903 Librairie ,papeterie | 7.485256754731835e-05 | 0 | 0 | 0.0010145936019119025 | 0.0007045966196695486 | 3.7957666689897596e-07 | 0 | 0 | 0.0005273018884262771 Appareils électro- ménagers électroni.équip. inform. | 0.0017637961552607662 | 0 | 0.004320707554343089 | 0.008065276269156048 | 0.00793236051048164 | 0.032355747714246874 | 0 | 0.04167823194943298 | 0.008571501234249698 Matériaux de construction | 0 | 0 | 0 | 0.006108994341625988 | 0.017263064304132766 | 1.3664760008363135e-05 | 0 | 0 | 0.0074463340319055145 Autres | 0.0027802481518991425 | 0.29832093008682675 | 0.023001706707852402 | 0.06043574735361466 | 0.02707403341925801 | 0.011932119049524943 | 2.2548874497788665e-05 | 0 | 0.03341504324953482 S-Total | 0.007880439390826593 | 0.3023505782311655 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09120999559582253 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12502124135713366 [Secteur d'activité sept. 17glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1366324 | 680377.85 | 2032353.5899999999 | 8211112.05 | 10748694.739999998 | 2362260.63 | 93.11 | 166452.6 | 25567668.569999997 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 1963251 | 39179.920000000006 | 422129.10000000003 | 4230993.1 | 4374044.54 | 2479445.51 | 118631.94 | 128706.57 | 13756381.68 Industries Manufacturières ( 200 à 290 ) | 1135090 | 4409.37 | 1229269.56 | 3608153.2900000005 | 5082705.999999999 | 1776405.3000000003 | 16768.49 | 514998.47 | 13367800.48 Prêts aux Particuliers ( 1560 ) | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3626640 | 318798.38 | 2458277.5599999996 | 3060550.89 | 6645923.529999999 | 427208.93999999994 | 3873021.1399999997 | 0 | 20410420.439999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1668889 | 140227.64 | 145461.03 | 326652.29000000004 | 1012237.8500000001 | 98092.88 | 0 | 0 | 3391560.69 Bâtiments et Travaux Publics ( 600 ) | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 Électricité, Gaz et Eau ( 300 à 500 ) | 747044 | 2350.69 | 381779.64 | 1373033.1900000002 | 176771.91 | 96820.53 | 0 | 0 | 2777799.9600000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 Total | 14388284 | 1330577.7100000002 | 8574671.979999999 | 26416606.560000002 | 31758653.64 | 7903541.659999999 | 4129252.6599999997 | 812236.9500000001 | 95313825.16 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0949608723319612 | 0.511340183205083 | 0.23701823168750535 | 0.3108314473075909 | 0.33844932035979086 | 0.29888633876069176 | 2.2548874497788665e-05 | 0.20493108568872667 | 0.2682472194047447 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 0.1364478905198146 | 0.029445796142188493 | 0.04922976657119892 | 0.16016414108262356 | 0.1377276439228801 | 0.3137132208144772 | 0.028729639420998765 | 0.15845938799016715 | 0.14432724378554362 Industries Manufacturières ( 200 à 290 ) | 0.07888988012747038 | 0.003313876346237605 | 0.14336053470817436 | 0.13658655519605847 | 0.16004160811144508 | 0.22476066761189192 | 0.004060901906641867 | 0.6340495467486427 | 0.14025038295923953 Prêts aux Particuliers ( 1560 ) | 0.20080149933098346 | 0.03734441034639006 | 0.1495670450124904 | 0.12920616250416683 | 0.05435874736911548 | 0.03100291369881892 | 0.029239668758849938 | 0.002559979572463429 | 0.1020708808367376 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2520550748094769 | 0.23959395802594646 | 0.2866905656255786 | 0.11585707963846814 | 0.20926339023482607 | 0.05405284850488154 | 0.9379472410390116 | 0 | 0.2141391388472526 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11598943974138959 | 0.10538853833647942 | 0.016964034348985094 | 0.012365414507653553 | 0.031872819971344356 | 0.01241125614564041 | 0 | 0 | 0.035583092844156713 Bâtiments et Travaux Publics ( 600 ) | 0.06893504465160682 | 0.07180656889254516 | 0.07264523371306854 | 0.08243512220443198 | 0.042057700403196306 | 0.05292248310866752 | 0 | 0 | 0.05919327485313989 Électricité, Gaz et Eau ( 300 à 500 ) | 0.051920298487297026 | 0.0017666687051295935 | 0.04452411018059726 | 0.05197613807365574 | 0.005566102140342496 | 0.012250271354930772 | 0 | 0 | 0.029143725533384107 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507633 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 Total | 1.0000000000000002 | 0.9999999999999998 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 [Secteur d'activité juin 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 | AU30 JUIN 2017 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 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 200 | Industrie alimentaire | 609570 | 9972.45242 | 371053.16452 | 48864.158 | 1724057.33 | 523157.321 | 43416.32 | 135436.28663 | 0 | 3465527.03257 210 | Industrie des boissons | 1307 | 0 | 3027.3905600000003 | 849453.487 | 2600850.86 | 203609.831 | 0 | 71400 | 0 | 3729648.5685599996 220 | Industrie du bois | 27907 | 0 | 0 | 817.606 | 0 | 31393.975 | 0 | 0 | 0 | 60118.581 230 | Industrie chimique | 0 | 0 | 14168.43999 | 404534.91 | 91629.49 | 62229.462 | 0 | 130125.0597 | 0 | 702687.3616899999 240 | Industrie du textile | 59082 | 0 | 250866.77469999998 | 696720.091 | 9880.72 | 61351.985 | 0 | 0 | 0 | 1077901.5707 250 | Industrie pharmacie | 0 | 0 | 59866.315729999995 | 708.214 | 22889.06 | 165573.769 | 0 | 0 | 0 | 249037.35872999998 260 | Imprimerie, édition | 99127 | 0 | 6327.462219999999 | 141081.008 | 108963.26 | 82874.736 | 0 | 0 | 0 | 438373.46622000006 270 | Sidérurgie, aciérie | 317516 | 0 | 129658.77097 | 386674.73 | 81786.02 | 282135.054 | 0 | 0 | 0 | 1197770.57497 280 | Industrie de la fabrication | 54661 | 3160.19415 | 275856.32536 | 1226333.304 | 730077.65 | 121965.937 | 0 | 0 | 0 | 2412054.41051 290 | Autres industries | 0 | 0 | 18155.116710000002 | 4660.112 | 120219.35 | 86933.632 | 0 | 0 | 0 | 229968.21071 300 | Production et distribution de l'électricité | 364177 | 0 | 223889.13402 | 1487434.441 | 124703.2 | 3823.731 | 0 | 173337.448 | 0 | 2377364.95402 400 | Production et distribution de gaz | 0 | 900.74772 | 0 | 4816.642 | 240.09 | 96366.808 | 0 | 0 | 0 | 102324.28772000001 500 | Traitement et distribution de l'eau | 0 | 2379.72675 | 308654.47486 | 22457.285 | 39184.68 | 10.434 | 0 | 0 | 0 | 372686.60060999996 600 | Entrep/ batiment et corps/ métiers corresp. | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 700 | Commerce de gros(1) | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.857 | 3696800.26 | 1285858.518 | 0 | 132600 | 0 | 12090633.242619999 800 | Commerce de détail(2) | 116979 | 406132.4997 | 329560.08626999997 | 4107586.302 | 3986175.3 | 609134.5 | 220.68 | 44893.152 | 0 | 9600681.519970002 900 | Rest/débits/boissons, casinos/activités/loterie | 95929 | 1126.51548 | 14313.146279999999 | 2278.352 | 22559.24 | 32921.555 | 0 | 0 | 0 | 169127.80875999999 1000 | Hotels,motels et pensions | 824739 | 0 | 4176.98035 | 1600853.994 | 30806.5 | 341924.623 | 309105.4 | 0 | 0 | 3111606.49735 1100 | Transport | 1577751 | 143148.1405 | 139417.12642 | 275079.046 | 911747.53 | 69870.234 | 0 | 0 | 0 | 3117013.07692 1200 | Immobilier résidentiel / Avance Hypothécaire | 1593406 | 298031.35456999997 | 1214025.8549000002 | 229209.937 | 2691718.91 | 337077.682 | 2667528.76 | 0 | 0 | 9030998.49847 1300 | Immobilier commercial | 1957568 | 26547.4025 | 920305.7325299999 | 1477381.976 | 4065714.14 | 144639.911 | 956784.02 | 0 | 0 | 9548941.18203 1400 | Télécommunications | 98110 | 0 | 19090.70193 | 123031.754 | 167269.05 | 32574.53 | 0 | 0 | 0 | 440076.03593 1500 | Services financiers | 82268 | 0 | 113665.87138 | 1637522.969 | 3562884.73 | 1558213.491 | 0 | 118623.69665000001 | 0 | 7073178.758030001 1510 | Services professionnels | 773411 | 26514.18563 | 70716.96675 | 111139.543 | 248781.66 | 146381.1 | 0 | 0 | 0 | 1376944.45538 1520 | Services médicaux | 0 | 500.01556 | 4511.57466 | 1788.5 | 14886.98 | 45770.503 | 0 | 0 | 0 | 67457.57321999999 1530 | Services d'agence ou de représentation | 896 | 941.2188100000001 | 8.02929 | 11909.261 | 25005.99 | 1450.141 | 0 | 0 | 0 | 40210.640100000004 1540 | Services d'enseignement | 23517 | 0 | 15569.11289 | 129217.094 | 12500.25 | 17408.36 | 0 | 0 | 0 | 198211.81689000002 1550 | Autres services | 339871 | 10341.215380000001 | 19119.24896 | 1885328.328 | 325091.95 | 381844.191 | 0 | 0 | 0 | 2961595.9333400005 1560 | Crédit à la consommation | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975277 | 1358964.8256599999 | 7865247.5116799995 | 24926869.562000006 | 29117389.459999997 | 7250826.757999999 | 4066488.88 | 809624.61268 | 0 | 89370688.61002 (1) Commerce de gros Import-export | 49739 | 36742.859079999995 | 731204.49127 | 829095.211 | 1499586.78 | 128551 | 0 | 0 | 0 | 3274919.3413500004 Produits pétroliers | 0 | 0 | 82156.21687 | 0 | 6225.5 | 83036 | 0 | 0 | 0 | 171417.71687 Produits pharmaceutiques | 0 | 0 | 11928.65419 | 0 | 112608.9 | 15850 | 0 | 0 | 0 | 140387.55419 Produits alimentaires | 759826 | 13664.00651 | 520685.40427999996 | 1935565.17 | 945829.52 | 505682 | 0 | 132600 | 0 | 4813852.10079 Matériaux de construction | 0 | 103596.16662999999 | 35617.69318 | 0 | 673613.14 | 440618 | 0 | 0 | 0 | 1253444.99981 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 178329 | 112699.47312000001 | 112637.64249 | 1461887.477 | 458936.43 | 112121 | 0 | 0 | 0 | 2436611.02261 S-Total | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.858 | 3696800.2700000005 | 1285858 | - | 132600 | 0 | 12090632.735619998 (2) Commerce de détail Produits pétroliers | 21023 | 5456.08876 | 2346.23014 | 135878.049 | 132821.41 | 16887 | 0 | 0 | 314411.7779 Produits pharmaceutiques | 10132 | 0 | 1378.041 | 2918.275 | 2608.75 | 22571 | 0 | 0 | 0 | 39608.066 Véhicules automobiles | 16750 | 0 | 121821.91031 | 1136821.984 | 1772200 | 173620 | 0 | 0 | 0 | 3221213.89431 Produits alimentaires | 2629 | 0 | 64379.304509999994 | 896311.734 | 544816.54 | 96606 | 0 | 0 | 0 | 1604742.5785100001 Librairie ,papeterie | 1083 | 0 | 0 | 34696.289 | 25067.93 | 12906 | 0 | 0 | 0 | 73753.219 Appareils électro- ménagers électroni.équip. inform. | 25799 | 0 | 36362.946200000006 | 543477.312 | 276184.12 | 197742 | 0 | 44893.152 | 0 | 1124458.5302000002 Matériaux de construction | 0 | 0 | 7904.55363 | 166653.601 | 509612.29 | 363 | 0 | 0 | 0 | 684533.44463 Autres | 39564 | 400676.41094 | 95367.10048000001 | 1190829.058 | 722864.25 | 88439 | 220.68 | 0 | 0 | 2537960.4994200002 S-Total | 116980 | 406132.4997 | 329560.08627 | 4107586.301999999 | 3986175.2900000005 | 609134 | 220.68 | 44893.152 | 0 | 9600682.00997 [Secteur d'activité juin 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 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 | 4.195777685443887e-06 | 0.00013670741893698842 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 200 | Industrie alimentaire | 0.043617740099176565 | 0.007338271183845205 | 0.04717628580270119 | 0.001960300625734866 | 0.05921057354294839 | 0.07215140265526118 | 0.010676611022725827 | 0.16728281787491864 | #DIV/0! | 0.038776998213499884 210 | Industrie des boissons | 9.352229655269087e-05 | 0 | 0.0003849072207205538 | 0.03407782452935675 | 0.08932294097219524 | 0.0280809123973832 | 0 | 0.08818901856707818 | #DIV/0! | 0.041732346774620704 220 | Industrie du bois | 0.0019968834964773866 | 0 | 0 | 3.280018768367155e-05 | 0 | 0.004329709707291286 | 0 | 0 | #DIV/0! | 0.0006726879017608875 230 | Industrie chimique | 0 | 0 | 0.0018013978541628441 | 0.016228869373019743 | 0.0031468992138143424 | 0.008582395370478385 | 0 | 0.16072270736590274 | #DIV/0! | 0.007862615502004944 240 | Industrie du textile | 0.004227608511802664 | 0 | 0.03189559824118178 | 0.027950565122791083 | 0.00033934086067618233 | 0.008461377860436258 | 0 | 0 | #DIV/0! | 0.012061018970140829 250 | Industrie pharmacie | 0 | 0 | 0.007611498003222111 | 2.841167031578018e-05 | 0.0007860958837482267 | 0.022835157220839508 | 0 | 0 | #DIV/0! | 0.0027865664078824005 260 | Imprimerie, édition | 0.007093025776877267 | 0 | 0.000804483547479419 | 0.0056597964557519986 | 0.003742205672307548 | 0.011429694677032858 | 0 | 0 | #DIV/0! | 0.004905114563152765 270 | Sidérurgie, aciérie | 0.022719835893056 | 0 | 0.016485021072439866 | 0.015512366245518041 | 0.0028088376573852376 | 0.03891074265272082 | 0 | 0 | #DIV/0! | 0.01340227532761462 280 | Industrie de la fabrication | 0.003911264155980593 | 0.00232544219712619 | 0.035072809209163426 | 0.04919724480243179 | 0.02507359566017908 | 0.016820969672931747 | 0 | 0 | #DIV/0! | 0.026989323323168026 290 | Autres industries | 0 | 0 | 0.0023082702334592023 | 0.00018695135337427811 | 0.004128781880159665 | 0.011989478565886873 | 0 | 0 | #DIV/0! | 0.0025731950182625828 300 | Production et distribution de l'électricité | 0.026058660590412626 | 0 | 0.028465618365794795 | 0.05967193101806627 | 0.0042827740505827615 | 0.0005273510356293083 | 0 | 0.21409607030871075 | #DIV/0! | 0.026601170820042853 400 | Production et distribution de gaz | 0 | 0.000662819009728629 | 0 | 0.00019323092247984375 | 8.245588098817154e-06 | 0.013290457932080137 | 0 | 0 | #DIV/0! | 0.0011449423665795464 500 | Traitement et distribution de l'eau | 0 | 0.0017511319682937732 | 0.03924281777549199 | 0.000900926806879722 | 0.0013457483904534071 | 1.4390083156362733e-06 | 0 | 0 | #DIV/0! | 0.004170121170669993 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07244636367493824 | 0.07379896766738807 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.04623042836186323 | 0 | 0 | #DIV/0! | 0.05658228691753691 700 | Commerce de gros(1) | 0.07068868831723335 | 0.19625416368703458 | 0.18997877689939802 | 0.16955790804326265 | 0.1269619402205846 | 0.17733957256409189 | 0 | 0.16377960591028803 | #DIV/0! | 0.13528633862696265 800 | Commerce de détail(2) | 0.008370424428796652 | 0.2988543132474059 | 0.04190079025238542 | 0.164785485469136 | 0.13690016082918446 | 0.08400897171180215 | 5.4267946258345606e-05 | 0.05544934195045746 | #DIV/0! | 0.10742539493976327 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006864193103292336 | 0.0008289511683666223 | 0.0018197960405880148 | 9.140144912032012e-05 | 0.0007747686320228244 | 0.004540386372309462 | 0 | 0 | #DIV/0! | 0.0018924304085650497 1000 | Hotels,motels et pensions | 0.059014143333259154 | 0 | 0.0005310678835977033 | 0.06422202314728025 | 0.0010580103701370762 | 0.04715663943049624 | 0.0760128477223329 | 0 | #DIV/0! | 0.0348168571345341 1100 | Transport | 0.11289586603542813 | 0.10533616308316013 | 0.017725713807857115 | 0.011035442910944049 | 0.03131281845347135 | 0.009636174788331635 | 0 | 0 | #DIV/0! | 0.034877353250812135 1200 | Immobilier résidentiel | 0.11401605850102291 | 0.21930762955932798 | 0.15435316601253238 | 0.009195295720142138 | 0.09244368949001242 | 0.046488172073356274 | 0.6559783731659927 | 0 | #DIV/0! | 0.10105101167876053 1300 | Immobilier commercial | 0.14007364576745063 | 0.01953501812462798 | 0.11700912541701115 | 0.05926865274138588 | 0.13963182192501403 | 0.019948057763263416 | 0.23528504521571444 | 0 | #DIV/0! | 0.10684645413999191 1400 | Télécommunications | 0.007020254410699695 | 0 | 0.0024272220170630417 | 0.004935708180041865 | 0.005744644458246705 | 0.004492526312818023 | 0 | 0 | #DIV/0! | 0.004924165213164307 1500 | Services financiers | 0.005886681172759581 | 0 | 0.014451658541095449 | 0.065693085324133 | 0.12236278032048552 | 0.21490149234096487 | 0 | 0.14651691017314147 | #DIV/0! | 0.07914427949520102 1510 | Services professionnels | 0.05534137176672777 | 0.019510575350707125 | 0.008991066923829715 | 0.004458624165524085 | 0.008544092194177082 | 0.020188194379143657 | 0 | 0 | #DIV/0! | 0.015407114757596494 1520 | Services médicaux | 0 | 0.0003679385592317745 | 0.0005736087330119301 | 7.174988401778678e-05 | 0.0005112745433601107 | 0.006312452983309852 | 0 | 0 | #DIV/0! | 0.0007548064613707903 1530 | Services d'agence ou de représentation | 6.411321936588448e-05 | 0.0006925998320397176 | 1.0208566212412762e-06 | 0.0004777680153690531 | 0.0008587991734063925 | 0.00019999664154160448 | 0 | 0 | #DIV/0! | 0.00044993096422770205 1540 | Services d'enseignement | 0.0016827573435574837 | 0 | 0.0019794816204931447 | 0.005183847641943222 | 0.00042930531314190146 | 0.0024008793177678627 | 0 | 0 | #DIV/0! | 0.0022178615827267672 1550 | Autres services | 0.024319446405248354 | 0.007609626963654228 | 0.002430851531577062 | 0.07563438013388195 | 0.011164872814116628 | 0.0526621589156992 | 0 | 0 | #DIV/0! | 0.03313833628678066 1560 | Crédit à la consommation | 0.211597451699884 | 0.04582638839806217 | 0.1494116300669333 | 0.08158870514973811 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.003559070779062197 | 0.02703738786039243 | 0.0929664947204969 | 0.033261104405341045 | 0.05150141574539355 | 0.017729150659704675 | 0 | 0 | #DIV/0! | 0.03664422186160514 Produits pétroliers | 0 | 0 | 0.010445471264317736 | 0 | 0.00021380694201835225 | 0.011451935451137972 | 0 | 0 | #DIV/0! | 0.001918052994063885 Produits pharmaceutiques | 0 | 0 | 0.0015166279474721914 | 0 | 0.0038674105779536463 | 0.0021859576195931507 | 0 | 0 | #DIV/0! | 0.0015708456136284052 Produits alimentaires | 0.05436929801105195 | 0.010054716834458086 | 0.06620076526603581 | 0.07764974920680333 | 0.03248332139456846 | 0.06974128839060591 | 0 | 0.16377960591028803 | #DIV/0! | 0.053863880604029316 Matériaux de construction | 0 | 0.07623167625378906 | 0.004528489806214902 | 0 | 0.023134393312469713 | 0.06076796684100283 | 0 | 0 | #DIV/0! | 0.014025236006399834 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.012760319527119212 | 0.082930382738395 | 0.01432092789486047 | 0.05864705447123564 | 0.015761592591618273 | 0.01546320216191821 | 0 | 0 | #DIV/0! | 0.02726409587423514 S-Total | 0.07068868831723335 | 0.19625416368703458 | 0.189978776899398 | 0.16955790808338 | 0.126961940564022 | 0.17733950112396274 | - | 0.16377960591028803 | #DIV/0! | 0.13528633295396172 (2) Commerce de détail Produits pétroliers | 0.0015042993423314615 | 0.004014885931539969 | 0.000298303408318151 | 0.00545106751820696 | 0.004561583729285325 | 0.002328975793190507 | 0 | 0 | #DIV/0! | 0.0035180637274931886 Produits pharmaceutiques | 0.0007249945743472562 | 0 | 0.00017520631079360062 | 0.00011707346535197468 | 8.959422696817548e-05 | 0.003112886399484984 | 0 | 0 | #DIV/0! | 0.00044318855114605497 Véhicules automobiles | 0.0011985451164939342 | 0 | 0.01548863022162911 | 0.04560628767171946 | 0.06086397279655029 | 0.023944855641246866 | 0 | 0 | #DIV/0! | 0.03604329276644788 Produits alimentaires | 0.0001881179170903017 | 0 | 0.008185286529685918 | 0.03595765331746232 | 0.018711036604034902 | 0.01332344617024706 | 0 | 0 | #DIV/0! | 0.0179560279043221 Librairie ,papeterie | 7.749399171121975e-05 | 0 | 0 | 0.001391923238243003 | 0.0008609264245490504 | 0.0017799349551084669 | 0 | 0 | #DIV/0! | 0.000825250651495271 Appareils électro- ménagers électroni.équip. inform. | 0.0018460456991299706 | 0 | 0.004623242453082441 | 0.021802870619121343 | 0.009485195105811523 | 0.02727164868224535 | 0 | 0.05544934195045746 | #DIV/0! | 0.012581961129411382 Matériaux de construction | 0 | 0 | 0.0010049974420082307 | 0.006685701170196541 | 0.017501991059331732 | 5.006325652443619e-05 | 0 | 0 | #DIV/0! | 0.007659484952801986 Autres | 0.0028309993426248368 | 0.29483942731586593 | 0.012125123886867968 | 0.04777290846883438 | 0.024825860539216076 | 0.01219709185610086 | 0 | 0 | #DIV/0! | 0.028398130739427367 S-Total | 0.00837049598372898 | 0.2988543132474059 | 0.04190079025238542 | 0.16478548546913596 | 0.13690016048574707 | 0.08400890275414853 | - | 0.05544934195045746 | #DIV/0! | 0.10742540042254523 [Secteur d'activité juin 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1104873 | 672835.00504 | 1823790.18855 | 8334134.159 | 7682975.56 | 1894993.018 | 220.68 | 177493.152 | 0 | 21691314.76259 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2140631 | 39423.15086 | 242080.93056 | 5380038.041 | 4242517.300000001 | 2525913.9639999997 | 309105.4 | 118623.69665000001 | 0 | 14998333.483070001 Industries Manufacturières ( 200 à 290 ) | 1169170 | 13132.646569999999 | 1128979.76076 | 3759847.62 | 5490353.739999998 | 1621225.7019999998 | 43416.32 | 336961.34633 | 0 | 13563087.135659998 Prêts aux Particuliers ( 1560 ) | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3550974 | 324578.75707 | 2134331.5874300003 | 1706591.913 | 6757433.050000001 | 481717.593 | 3624312.78 | 0 | 0 | 18579939.6805 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1675861 | 143148.1405 | 158507.82835 | 398110.8 | 1079016.58 | 102444.764 | 0 | 0 | 0 | 3557089.11285 Bâtiments et Travaux Publics ( 600 ) | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 Électricité, Gaz et Eau ( 300 à 500 ) | 364177 | 3280.4744699999997 | 532543.60888 | 1514708.368 | 164127.97 | 100200.973 | 0 | 173337.448 | 0 | 2852375.8423499996 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 Total | 13975277 | 1358964.82566 | 7865247.51168 | 24926869.562000003 | 29117389.459999997 | 7250826.758 | 4066488.88 | 809624.6126799999 | 0 | 89370688.61002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07905911274603 | 0.4951084769344404 | 0.23187956715178343 | 0.33434339351239867 | 0.26386210104976904 | 0.261348544275894 | 5.4267946258345606e-05 | 0.21922894786074554 | #DIV/0! | 0.2427117335667259 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15317270634421057 | 0.029009691873999464 | 0.030778552130814256 | 0.2158328797612697 | 0.14570390336084754 | 0.34836220038123267 | 0.0760128477223329 | 0.14651691017314147 | #DIV/0! | 0.16782161709100257 Industries Manufacturières ( 200 à 290 ) | 0.08365988022992317 | 0.009663713380971392 | 0.14354027118453036 | 0.15083513036597804 | 0.18855927134341385 | 0.22359184078026206 | 0.010676611022725827 | 0.4161945438078996 | #DIV/0! | 0.15176214200210764 Prêts aux Particuliers ( 1560 ) | 0.211597451699884 | 0.04582638839806216 | 0.14941163006693328 | 0.08158870514973812 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25408970426847355 | 0.23884264768395594 | 0.27136229142954355 | 0.06846394846152803 | 0.23207551141502647 | 0.06643622983661969 | 0.8912634183817072 | 0 | #DIV/0! | 0.20789746581875246 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11991612044612783 | 0.1053361630831601 | 0.020152935824920157 | 0.015971151090985916 | 0.037057462911718055 | 0.014128701101149657 | 0 | 0 | #DIV/0! | 0.03980151846397644 Bâtiments et Travaux Publics ( 600 ) | 0.07244636367493824 | 0.07379896766738805 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.046230428361863224 | 0 | 0 | #DIV/0! | 0.05658228691753691 Électricité, Gaz et Eau ( 300 à 500 ) | 0.026058660590412626 | 0.0024139509780224016 | 0.06770843614128677 | 0.06076608874742584 | 0.005636768029134986 | 0.01381924797602508 | 0 | 0.2140960703087108 | #DIV/0! | 0.031916234357292385 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698844 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d'activité mars 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2017 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 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 200 | Industrie alimentaire | 523212 | 9972.45242 | 464970.92687 | 55414.358 | 1913902.01 | 386914.111 | 44995.29 | 184954.59248 | 0 | 3584335.7407700005 210 | Industrie des boissons | 1331 | 0 | 3055.86105 | 834659.013 | 2718960.41 | 333050.647 | 0 | 71400 | 0 | 3962456.93105 220 | Industrie du bois | 44017 | 0 | 0 | 1051.747 | 0 | 991.602 | 0 | 0 | 0 | 46060.349 230 | Industrie chimique | 0 | 0 | 222109.5366 | 433994.653 | 61440.75 | 55546.066 | 0 | 119166.13831000001 | 0 | 892257.1439099999 240 | Industrie du textile | 64303 | 0 | 247815.51309 | 730422.098 | 5284.23 | 217422.907 | 0 | 0 | 0 | 1265247.74809 250 | Industrie pharmacie | 0 | 0 | 47148.35615 | 800.878 | 7628.26 | 31600.515 | 0 | 0 | 0 | 87178.00915 260 | Imprimerie, édition | 41967 | 0 | 5263.05221 | 118588.597 | 76742.56 | 46702.109 | 0 | 0 | 0 | 289263.31821 270 | Sidérurgie, aciérie | 347036 | 0 | 111607.91109000001 | 422318.217 | 28183.54 | 318281.09 | 0 | 0 | 0 | 1227426.7580900001 280 | Industrie de la fabrication | 55908 | 3394.46677 | 321179.81545999995 | 1171284.903 | 292027.96 | 181265.127 | 0 | 0 | 0 | 2025060.27223 290 | Autres industries | 0 | 0 | 21251.54249 | 5416.283 | 80611.15 | 68902.872 | 0 | 0 | 0 | 176181.84749000001 300 | Production et distribution de l'électricité | 296388 | 0 | 306439.91486 | 1339357.622 | 138704.6 | 876.901 | 0 | 154999.488 | 0 | 2236766.52586 400 | Production et distribution de gaz | 0 | 1185.8063 | 6.80819 | 6298.239 | 0.07 | 110875.898 | 0 | 0 | 0 | 118366.82149 500 | Traitement et distribution de l'eau | 0 | 3798.0301600000003 | 319352.14338 | 25944.744 | 39538.65 | 5.978 | 0 | 0 | 0 | 388639.5455400001 600 | Entrep/ batiment et corps/ métiers corresp. | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 700 | Commerce de gros(1) | 1089800 | 292766.93299 | 1184121.93706 | 3828757.024 | 3541554.01 | 1370639.3369200001 | 0 | 132600 | 0 | 11440239.24097 800 | Commerce de détail(2) | 126197 | 444857.24362 | 339706.2093800001 | 4398770.173 | 4303131.71 | 554792.245 | 405.82 | 87187.212 | 0 | 10255047.612999998 900 | Rest/débits/boissons, casinos/activités/loterie | 103048 | 1198.96598 | 16240.107800000002 | 2425.967 | 21114.32 | 34803.577 | 0 | 0 | 0 | 178830.93777999998 1000 | Hotels,motels et pensions | 757020 | 0 | 4350.06168 | 1724013.987 | 35129.74 | 924164.178 | 312725.91000000003 | 0 | 0 | 3757403.87668 1100 | Transport | 1682081 | 151023.80558000001 | 163931.50694999998 | 266738.96 | 995635.39 | 55721.531 | 0 | 0 | 0 | 3315132.1935300003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1511434 | 310319.12106 | 1152123.3084500001 | 239667.465 | 1904251.69 | 344674.54 | 2635371.2899999996 | 0 | 0 | 8097841.4145100005 1300 | Immobilier commercial | 1848627 | 28082.340170000003 | 805056.85733 | 1854782.489 | 4649712.84 | 175311.469 | 1114063.6 | 0 | 0 | 10475636.5955 1400 | Télécommunications | 192710 | 0 | 2938.3977200000004 | 113027.28 | 144004.78 | 37532.952 | 0 | 0 | 0 | 490213.40972000005 1500 | Services financiers | 72402 | 98560.46883 | 204117.46637 | 1303982.227 | 2477238.61 | 1492414.609 | 0 | 192546.40399000002 | 0 | 5841261.785189999 1510 | Services professionnels | 885078 | 27616.084059999997 | 68746.83884 | 111606.882 | 253282.38 | 170984.052 | 0 | 0 | 0 | 1517314.2369000001 1520 | Services médicaux | 0 | 726.99936 | 5303.1562699999995 | 1764.553 | 15148.5 | 43153.913 | 0 | 0 | 0 | 66097.12163000001 1530 | Services d'agence ou de représentation | 197 | 941.2188100000001 | 24.3436 | 11741.925 | 16999.53 | 25457.8691 | 0 | 0 | 0 | 55361.88651 1540 | Services d'enseignement | 19646 | 0 | 14784.77707 | 108118.604 | 4931.29 | 18782.085 | 0 | 0 | 0 | 166262.75607 1550 | Autres services | 410555 | 16261.32726 | 8530.9971 | 682177.252 | 311839.48 | 345835.75 | 0 | 0 | 0 | 1775199.8063599998 1560 | Crédit à la consommation | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975928 | 1574069.79752 | 7929638.260180001 | 25495776.707000002 | 27070843.17 | 7932130.917330001 | 4281302.13 | 947192.2773200001 | 0 | 89206881.25935 (1) Commerce de gros Import-export | 72728 | 38183.3037 | 666032.88226 | 724339.424 | 1583283.47 | 72806 | 0 | 0 | 0 | 3157373.07996 Produits pétroliers | 0 | 0 | 83198.24827 | 79168.312 | 6500 | 91439 | 0 | 0 | 0 | 260305.56027000002 Produits pharmaceutiques | 0 | 0 | 13546.61458 | 138099.056 | 106996.22 | 12345 | 0 | 132600 | 0 | 403586.89058 Produits alimentaires | 851929 | 14220.03849 | 341582.52309 | 1728509.078 | 1082427.61 | 516619 | 0 | 0 | 0 | 4535287.2495800005 Matériaux de construction | 0 | 114106.28513 | 44988.68958 | 431752.057 | 341807.83 | 502303 | 0 | 0 | 0 | 1434957.86171 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 165143 | 126257.30567 | 34772.97928 | 726889.096 | 420538.88 | 175128 | 0 | 0 | 0 | 1648729.26095 S-Total | 1089800 | 292766.93299 | 1184121.9370600001 | 3828757.023 | 3541554.01 | 1370640 | - | 132600 | 0 | 11440239.903050002 (2) Commerce de détail Produits pétroliers | 22734 | 6200.22997 | 2476.4245699999997 | 147369.864 | 120955.58 | 21242 | 0 | 0 | 320978.09854 Produits pharmaceutiques | 7326 | 0 | 989.3670400000001 | 10516.502 | 1108.99 | 23402 | 0 | 0 | 0 | 43342.85904 Véhicules automobiles | 16787 | 0 | 145359.40511000002 | 1422244.901 | 1877548.64 | 121303 | 0 | 0 | 0 | 3583242.94611 Produits alimentaires | 1951 | 0 | 92111.01670000001 | 903080.429 | 672661.29 | 106597 | 0 | 0 | 0 | 1776400.7357 Librairie ,papeterie | 1139 | 0 | 0 | 32795.299 | 24650.85 | 14356 | 0 | 0 | 0 | 72941.149 Appareils électro- ménagers électroni.équip. inform. | 29230 | 0 | 40828.98966 | 321399.463 | 337126.19 | 188066 | 0 | 87187.212 | 0 | 1003837.85466 Matériaux de construction | 0 | 0 | 12379.362539999998 | 172785.243 | 373019.59 | 41 | 0 | 0 | 0 | 558225.19554 Autres | 47030 | 434149.11415 | 45561.64376 | 1388578.472 | 896060.59 | 79785 | 0 | 0 | 0 | 2891164.81991 S-Total | 126197 | 440349.34411999997 | 339706.20938 | 4398770.173 | 4303131.72 | 554792 | - | 87187.212 | 0 | 10250133.6585 [Secteur d'activité mars 17 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 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 | 2.9327706052851012e-06 | 0.00015950202446209398 | 0.026392422486188855 | 2.772268918552085e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 200 | Industrie alimentaire | 0.03743665536914615 | 0.006335457573553558 | 0.05863709183367531 | 0.002173472047422885 | 0.07069975611697948 | 0.048778079312165136 | 0.010509720789081523 | 0.19526615335517014 | #DIV/0! | 0.04018003645200092 210 | Industrie des boissons | 9.52351786586193e-05 | 0 | 0.0003853720623481042 | 0.03273714790461119 | 0.10043870421491567 | 0.04198753783455035 | - | 0.0753806821588751 | #DIV/0! | 0.044418736257912664 220 | Industrie du bois | 0.0031494867460679535 | 0 | 0 | 4.125181248984022e-05 | 0 | 0.00012501079600609754 | - | 0 | #DIV/0! | 0.0005163317935764322 230 | Industrie chimique | 0 | 0 | 0.02801004652574885 | 0.017022217365154614 | 0.0022696282348563432 | 0.007002666317400761 | - | 0.12580987109309047 | #DIV/0! | 0.010002111174764112 240 | Industrie du textile | 0.0046009824893202085 | 0 | 0.03125180556273883 | 0.028648748629786152 | 0.0001952000522043584 | 0.027410403240442957 | - | 0 | #DIV/0! | 0.01418329763610457 250 | Industrie pharmacie | 0 | 0 | 0.00594583946997473 | 3.141218285694017e-05 | 0.0002817887847857529 | 0.003983862007491539 | - | 0 | #DIV/0! | 0.0009772565515046817 260 | Imprimerie, édition | 0.0030028059675178635 | 0 | 0.0006637190799017016 | 0.004651303561481257 | 0.0028348788221360744 | 0.005887712833630359 | - | 0 | #DIV/0! | 0.003242612163169661 270 | Sidérurgie, aciérie | 0.02483098081215072 | 0 | 0.014074779634079618 | 0.016564242064610265 | 0.0010411031464004452 | 0.04012554675624734 | - | 0 | #DIV/0! | 0.013759328212826076 280 | Industrie de la fabrication | 0.004000306813257767 | 0.0021564906304333497 | 0.0405037159226869 | 0.04594034990424188 | 0.010787545780015688 | 0.02285200898587978 | - | 0 | #DIV/0! | 0.022700718191711787 290 | Autres industries | 0 | 0 | 0.002680014118262892 | 0.00021243843881457164 | 0.0029777849730714535 | 0.00868655254409153 | - | 0 | #DIV/0! | 0.0019749804611797696 300 | Production et distribution de l'électricité | 0.021207035411172696 | 0 | 0.03864487947689103 | 0.052532528716109764 | 0.005123763568388328 | 0.00011055049508627748 | - | 0.16364099635457108 | #DIV/0! | 0.025073923606376034 400 | Production et distribution de gaz | 0 | 0.0007533378137794637 | 8.585751047671946e-07 | 0.00024703067776204616 | 2.5858078952477638e-09 | 0.01397807211650529 | - | 0 | #DIV/0! | 0.0013268799426568191 500 | Traitement et distribution de l'eau | 0 | 0.0024128727747549216 | 0.04027322973655431 | 0.0010176094769796416 | 0.0014605621905348285 | 7.536436377946505e-07 | - | 0 | #DIV/0! | 0.004356609490809497 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07088395131972632 | 0.0644068211776434 | 0.0899532106580368 | 0.09888383229006759 | 0.030341489729076656 | 0.044888424437383355 | - | 0 | #DIV/0! | 0.06169812073284562 700 | Commerce de gros(1) | 0.07797693290921362 | 0.18599361569052666 | 0.14932861981942674 | 0.15017220569510223 | 0.13082540457863395 | 0.172795854128611 | - | 0.13999269543791087 | #DIV/0! | 0.12824390988078535 800 | Commerce de détail(2) | 0.009029597175944239 | 0.2826159578951884 | 0.042840063850817935 | 0.17252936529650004 | 0.15895817071441443 | 0.06994239641051539 | 9.478891880961459e-05 | 0.09204806044944622 | #DIV/0! | 0.1149580331497705 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007373249203916906 | 0.0007616981037873996 | 0.002048026311812029 | 9.515171974870402e-05 | 0.0007799653622683966 | 0.0043876705216704965 | - | 0 | #DIV/0! | 0.0020046764919410993 1000 | Hotels,motels et pensions | 0.054165991696580006 | 0 | 0.0005485826133891326 | 0.06761959075860052 | 0.0012976965578571594 | 0.11650894162385797 | 0.07304457861281564 | 0 | #DIV/0! | 0.042120112525357196 1100 | Transport | 0.1203555856899091 | 0.09594479597915105 | 0.02067326422356608 | 0.010462084095942266 | 0.03677888360357266 | 0.007024787107113984 | - | 0 | #DIV/0! | 0.0371622922663551 1200 | Immobilier résidentiel | 0.10814551992540317 | 0.19714444781858986 | 0.14529329972535812 | 0.009400280985917091 | 0.0703432722077271 | 0.043452956537436895 | 0.6155536820289764 | 0 | #DIV/0! | 0.09077597266254889 1300 | Immobilier commercial | 0.13227221834571556 | 0.017840593990333005 | 0.10152504198996404 | 0.07274861677348937 | 0.17176091674724145 | 0.022101434132533307 | 0.2602160665544994 | 0 | #DIV/0! | 0.11743081304506452 1400 | Télécommunications | 0.013788708699701372 | 0 | 0.00037055886076867514 | 0.004433176572689694 | 0.005319552815391675 | 0.004731761539386418 | - | 0 | #DIV/0! | 0.005495242102398009 1500 | Services financiers | 0.0051804788919920025 | 0.06261505619718093 | 0.02574108170797776 | 0.05114502852709659 | 0.09150947365929421 | 0.18814800518980276 | - | 0.20328122240902732 | #DIV/0! | 0.06547994619616591 1510 | Services professionnels | 0.063328746398808 | 0.0175443834215675 | 0.008669605924550643 | 0.00437746546349999 | 0.009356279684730632 | 0.021555878714310753 | 0 | 0 | #DIV/0! | 0.017008937152378775 1520 | Services médicaux | 0 | 0.0004618596717536999 | 0.00066877656911926 | 6.920961931375609e-05 | 0.0005595872985880106 | 0.005440393439008676 | 0 | 0 | #DIV/0! | 0.0007409419620649746 1530 | Services d'agence ou de représentation | 1.409566506066717e-05 | 0.0005979523979704851 | 3.0699508856848412e-06 | 0.00046054392203616183 | 0.0006279645555643031 | 0.0032094615388129854 | 0 | 0 | #DIV/0! | 0.0006206010761551803 1540 | Services d'enseignement | 0.0014057027197049098 | 0 | 0.0018644957796176175 | 0.004240647588128408 | 0.0001821624087965192 | 0.002367848588954222 | 0 | 0 | #DIV/0! | 0.001863788462536051 1550 | Autres services | 0.029375866847625432 | 0.010330753620722707 | 0.001075836856624321 | 0.026756480488500062 | 0.011519385563342243 | 0.0435993497339313 | 0 | 0 | #DIV/0! | 0.019899807966596038 1560 | Crédit à la consommation | 0.2083798657234067 | 0.05208390524306361 | 0.14832218038951273 | 0.12462706539658429 | 0.05533665355721537 | 0.02891580224664335 | 0.0405811630958173 | 0.004580318741908722 | #DIV/0! | 0.10372902965039071 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999999 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.005203804713361431 | 0.024257694137934084 | 0.08399284562633771 | 0.028410172881735692 | 0.05848666995916108 | 0.009178618048390319 | - | 0 | #DIV/0! | 0.0353938287650771 Produits pétroliers | 0 | 0 | 0.010492060991961493 | 0.0031051539598032298 | 0.00024011073313014947 | 0.011527671561777359 | - | 0 | #DIV/0! | 0.0029179986632781956 Produits pharmaceutiques | 0 | 0 | 0 | 0.00541654633969571 | 0.003952452434823809 | 0.0015563283219429509 | - | 0.13999269543791087 | #DIV/0! | 0.004524167697407301 Produits alimentaires | 0.06095688243385341 | 0.009033931349425641 | 0.04307668419192758 | 0.0677958980369258 | 0.03998499799960239 | 0.06512991343490039 | - | 0 | #DIV/0! | 0.05084010544427194 Matériaux de construction | 0 | 0.07249124867892028 | 0.005673485738424941 | 0.016934257856182907 | 0.012626419792450078 | 0.06332510207346376 | - | 0 | #DIV/0! | 0.016085730623607006 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | #DIV/0! | 0 Autres | 0.011816245761998774 | 0.08021074152424666 | 0.004385191119577082 | 0.02851017658153669 | 0.015534753659466454 | 0.022078304282318762 | - | 0 | #DIV/0! | 0.018482086108992768 S-Total | 0.0779769329092136 | 0.18599361569052666 | 0.1476202676682288 | 0.15017220565588002 | 0.13082540457863398 | 0.17279593772279356 | - | 0.13999269543791087 | #DIV/0! | 0.1282439173026343 (2) Commerce de détail Produits pétroliers | 0.00162665405832085 | 0.0039389803296960985 | 0.00031229981605034594 | 0.0057801676604556556 | 0.004468112767689607 | 0.002677968911681828 | - | 0 | #DIV/0! | 0.0035981316016062094 Produits pharmaceutiques | 0.0005241870164185161 | 0 | 0.00012476824383884843 | 0.00041248015782600726 | 4.096621568215453e-05 | 0.0029502790919488813 | - | 0 | #DIV/0! | 0.0004858690095216968 Véhicules automobiles | 0.0012011366973270039 | 0 | 0.01833115210815435 | 0.05578354867728015 | 0.06935685852891 | 0.015292611943025175 | - | 0 | #DIV/0! | 0.04016778633581511 Produits alimentaires | 0.00013959717022010988 | 0 | 0.01161604270935672 | 0.0354207851511366 | 0.02484818392156494 | 0.013438633465706985 | - | 0 | #DIV/0! | 0.01991327026146664 Librairie ,papeterie | 8.149727159441578e-05 | 0 | 0 | 0.0012863031935401235 | 0.0009106051793509761 | 0.0018098541425526937 | - | 0 | #DIV/0! | 0.0008176628077372098 Appareils électro- ménagers électroni.équip. inform. | 0.002091453247326403 | 0 | 0.005148909486203119 | 0.012605988305183032 | 0.012453479482811395 | 0.02370939183430725 | - | 0.09204806044944622 | #DIV/0! | 0.011252919511237651 Matériaux de construction | 0 | 0 | 0.0015611509798832853 | 0.006777014286941134 | 0.013779385727201197 | 0 | - | 0 | #DIV/0! | 0.006257647253882569 Autres | 0.003365071714736939 | 0.2758131277494915 | 0.005745740507331259 | 0.05446307786413734 | 0.03310057926060527 | 0.010058457283614285 | - | 0 | #DIV/0! | 0.032409661441975025 S-Total | 0.009029597175944237 | 0.2797521080791876 | 0.04284006385081792 | 0.17252936529650004 | 0.15895817108381555 | 0.0699371966728371 | - | 0.09204806044944622 | #DIV/0! | 0.1149029482232421 [Secteur d'activité mars 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1215997 | 737624.17661 | 1523828.14644 | 8227527.197000001 | 7844685.72 | 1925431.5819200003 | 405.82 | 219787.212 | 0 | 21695286.853970002 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2247946 | 145305.0643 | 322097.74873 | 3945831.397 | 3135683.8499999996 | 3055596.0330999997 | 312725.91000000003 | 192546.40399000002 | 0 | 13357732.40712 Industries Manufacturières ( 200 à 290 ) | 1077774 | 13366.91919 | 1444402.51501 | 3773950.747 | 5184780.87 | 1640677.046 | 44995.29 | 375520.73079 | 0 | 13555468.117989998 Prêts aux Particuliers ( 1560 ) | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3360061 | 338401.46122999996 | 1957180.1657800002 | 2094449.9540000001 | 6553964.529999999 | 519986.00899999996 | 3749434.8899999997 | 0 | 0 | 18573478.01001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1874791 | 151023.80558000001 | 166869.90467 | 379766.24 | 1139640.17 | 93254.48300000001 | 0 | 0 | 0 | 3805345.6032499997 Bâtiments et Travaux Publics ( 600 ) | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 Électricité, Gaz et Eau ( 300 à 500 ) | 296388 | 4983.83646 | 625798.86643 | 1371600.605 | 178243.32 | 111758.777 | 0 | 154999.488 | 0 | 2743772.89289 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 Total | 13975928 | 1574069.7975199998 | 7929638.26018 | 25495776.706999995 | 27070843.170000006 | 7932130.917329999 | 4281302.13 | 947192.27732 | 0 | 89206881.25935 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08700653008515785 | 0.4686095735857151 | 0.1921686836702447 | 0.32270157099160235 | 0.2897835752930483 | 0.24273825053912645 | 9.478891880961459e-05 | 0.23204075588735715 | #DIV/0! | 0.2432019430305559 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16084413142368792 | 0.09231170341298273 | 0.04061947571397645 | 0.15476411808692425 | 0.11583251509044146 | 0.38521754935034924 | 0.07304457861281564 | 0.20328122240902735 | #DIV/0! | 0.14973881183319523 Industries Manufacturières ( 200 à 290 ) | 0.07711645337611928 | 0.00849194820398691 | 0.18215238420941696 | 0.14802258391146964 | 0.19152639012536524 | 0.2068393806279059 | 0.010509720789081523 | 0.3964567066071358 | #DIV/0! | 0.15195540889475065 Prêts aux Particuliers ( 1560 ) | 0.2083798657234067 | 0.05208390524306362 | 0.14832218038951275 | 0.12462706539658433 | 0.055336653557215364 | 0.028915802246643356 | 0.0405811630958173 | 0.004580318741908723 | #DIV/0! | 0.10372902965039071 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24041773827111873 | 0.2149850418089229 | 0.2468183417153222 | 0.0821488977594065 | 0.2421041889549685 | 0.06555439066997022 | 0.8757697485834759 | 0 | #DIV/0! | 0.20820678570761342 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13414429438961048 | 0.09594479597915107 | 0.021043823084334758 | 0.014895260668631964 | 0.042098436418964325 | 0.011756548646500404 | 0 | 0 | #DIV/0! | 0.0426575343687531 Bâtiments et Travaux Publics ( 600 ) | 0.07088395131972632 | 0.06440682117764342 | 0.08995321065803681 | 0.09888383229006763 | 0.03034148972907665 | 0.04488842443738336 | 0 | 0 | #DIV/0! | 0.06169812073284562 Électricité, Gaz et Eau ( 300 à 500 ) | 0.021207035411172696 | 0.003166210588534386 | 0.07891896778855012 | 0.05379716887085147 | 0.0065843283447310505 | 0.014089376255229364 | 0 | 0.1636409963545711 | #DIV/0! | 0.03075741303984235 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.9327706052851016e-06 | 0.00015950202446209403 | 0.026392422486188852 | 2.7722689185520856e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 [Secteur d'activité déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2016 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 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 200 | Industrie alimentaire | 435785 | 5780.0034000000005 | 364476.57951999997 | 485713.746 | 1909756.97 | 382984.98 | 41142.04 | 129027.14433 | 191013 | 3945679.46325 210 | Industrie des boissons | 1363 | 0 | 3094.87404 | 841673.32 | 2699024.04 | 337983.308 | 0 | 94988.04 | 63023 | 4041149.5820400002 220 | Industrie du bois | 22980 | 0 | 34.59961 | 3262.98 | 0 | 694.727 | 0 | 0 | 0 | 26972.30661 230 | Industrie chimique | 0 | 0 | 205364.18073 | 386031.262 | 61402.27 | 55611.087 | 0 | 123967.25631 | 0 | 832376.05604 240 | Industrie du textile | 67941 | 0 | 273609.49755000003 | 780450.242 | 4866.12 | 241839.919 | 0 | 0 | 9250 | 1377956.7785500002 250 | Industrie pharmacie | 0 | 0 | 2476.14946 | 17436.149 | 8216.4 | 31116.744 | 0 | 0 | 0 | 59245.44246 260 | Imprimerie, édition | 8323 | 0 | 6255.29504 | 79016.38 | 43993.54 | 44942.388 | 0 | 0 | 0 | 182530.60304000002 270 | Sidérurgie, aciérie | 347036 | 0 | 114528.92006 | 442369.624 | 47322.77 | 250984.496 | 0 | 0 | 49574 | 1251815.81006 280 | Industrie de la fabrication | 59632 | 3439.80517 | 232747.62600999998 | 1209116.021 | 349446.09 | 192438.15 | 0 | 0 | 5682 | 2052501.69218 290 | Autres industries | 0 | 0 | 11146.8061 | 29312.261 | 55939.36 | 62990.819 | 0 | 0 | 0 | 159389.2461 300 | Production et distribution de l'électricité | 479041 | 0 | 311164.30458 | 1487434.441 | 67394.4 | 3195.722 | 0 | 149650.50525999998 | 0 | 2497880.37284 400 | Production et distribution de gaz | 0 | 1731.22517 | 352.9756 | 2015.445 | 0.07 | 111371.55 | 0 | 0 | 0 | 115471.26577 500 | Traitement et distribution de l'eau | 0 | 4894.53313 | 303772.08931 | 66079.022 | 40528.07 | 1.624 | 0 | 0 | 0 | 415275.33844 600 | Entrep/ batiment et corps/ métiers corresp. | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 700 | Commerce de gros(1) | 696876 | 290205.42068 | 930792.04192 | 4296548.442 | 3261441.74 | 1242535.58598 | 0 | 176406.36 | 30467 | 10925272.59058 800 | Commerce de détail(2) | 116531 | 447014.02119 | 211332.74159 | 4132767.234 | 4021629.71 | 546066.743 | 584.4 | 84178.40921 | 8398 | 9568502.258990003 900 | Rest/débits/boissons, casinos/activités/loterie | 100654 | 2189.4061 | 16189.067939999999 | 28862.675 | 21762.41 | 37965.586 | 0 | 0 | 0 | 207623.14504 1000 | Hotels,motels et pensions | 612383 | 0 | 31453.608070000002 | 1492828.692 | 37580.87 | 834261.35 | 314447.68 | 0 | 0 | 3322955.2000700003 1100 | Transport | 1596214 | 151323.39733 | 178010.69873 | 90610.778 | 999013.13 | 35478.375 | 0 | 0 | 0 | 3050650.37906 1200 | Immobilier résidentiel / Avance Hypothécaire | 1458908 | 308639.88079 | 1118630.05776 | 248491.306 | 1789417.45 | 398658.82148000004 | 2635767.51 | 0 | 808940 | 8767453.02603 1300 | Immobilier commercial | 1156682 | 29492.42043 | 696708.72209 | 1465978.881 | 4595523.32 | 187989.054 | 1092441.76 | 0 | 11284 | 9236100.15752 1400 | Télécommunications | 199627 | 0 | 3517.17933 | 123031.754 | 158903.05 | 39490.874 | 0 | 0 | 158215 | 682784.85733 1500 | Services financiers | 76725 | 98374.19715 | 145344.95135 | 1637522.969 | 2679611.48 | 1431713.391 | 0 | 125249.62026000001 | 622028 | 6816569.60876 1510 | Services professionnels | 900063 | 27612.436850000002 | 84934.70023999999 | 630832.312 | 320446.92 | 181719.779 | 0 | 0 | 65716 | 2211325.1480900003 1520 | Services médicaux | 0 | 868.7529000000001 | 3287.2553399999997 | 40280.403 | 19023.7 | 44908.784 | 0 | 0 | 910 | 109278.89524 1530 | Services d'agence ou de représentation | 407 | 941.2188100000001 | 2394.5638799999997 | 28901.023 | 14170.68 | 16573.272800000002 | 0 | 0 | 0 | 63387.75849000001 1540 | Services d'enseignement | 23966 | 0 | 12213.52288 | 149228.158 | 6403.37 | 15994.975 | 0 | 0 | 7547 | 215353.02588 1550 | Autres services | 451350 | 17128.96682 | 8673.50574 | 1100971.637 | 324087.58 | 378099.783 | 0 | 0 | 11483 | 2291794.47256 1560 | Crédit à la consommation | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13156425 | 1708591.34689 | 7104534.7173 | 26100194.560000002 | 26503591.68 | 7607607.265570001 | 4219809.71 | 883467.3353699999 | 3106261 | 90390482.61512998 (1) Commerce de gros Import-export | 35853 | 37731.26498 | 286551.30374 | 955099.495 | 1405261.65 | 90046 | 2810542.71372 Produits pétroliers | 0 | 0 | 93301.68539 | 4011.016 | 6500 | 93856 | 197668.70139 Produits pharmaceutiques | 0 | 0 | 13253.08382 | 140674.463 | 116699.82 | 13358 | 283985.36682 Produits alimentaires | 455435 | 18715.29864 | 308957.89441 | 1935565.17 | 804349.72 | 444191 | 176406.36 | 3957 | 4147577.4430499994 Matériaux de construction | 0 | 111166.89892 | 203531.59159 | 416544.279 | 367340.35 | 474132 | 26509 | 1599224.11951 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 205588 | 122591.95814 | 25196.482949999998 | 844654.02 | 561290.2 | 126953 | 0 | 0 | 1886273.6610899998 S-Total | 696876 | 290205.42068 | 930792.0419 | 4296548.443 | 3261441.74 | 1242536 | - | 176406.36 | 30466 | 10925272.005579999 (2) Commerce de détail Produits pétroliers | 21027 | 6990.63075 | 2600.9317 | 135241.221 | 140062.89 | 9329 | 315251.67345 Produits pharmaceutiques | 7742 | 0 | 294.7079 | 6200.399 | 1175.26 | 24184 | 1189 | 40785.3669 Véhicules automobiles | 19640 | 0 | 45680.596549999995 | 1380457.811 | 2000336.09 | 98854 | 3544968.49755 Produits alimentaires | 2115 | 0 | 59865.84543 | 896311.734 | 699593.19 | 104491 | 5064 | 1767440.7694299999 Librairie ,papeterie | 1209 | 0 | 4109.76144 | 34696.289 | 22560.24 | 13881 | 411 | 76867.29044 Appareils électro- ménagers électroni.équip. inform. | 470 | 0 | 40331.05993 | 322377.121 | 197575.5 | 210944 | 84178.40921 | 855876.09014 Matériaux de construction | 18156 | 0 | 14157.09041 | 166653.601 | 299127.43 | 224 | 498318.12141 Autres | 46172 | 440023.39044 | 44292.74823 | 1190829.058 | 661199.11 | 84160 | 1734 | 2468410.30667 S-Total | 116531 | 447014.02119 | 211332.74159000002 | 4132767.2339999992 | 4021629.7100000004 | 546067 | - | 84178.40921 | 8398 | 9567918.115989998 [Secteur d'activité déc. 16 (%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 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 | 4.0303694948910037e-07 | 0.00032023711473819753 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.007692747779107541 200 | Industrie alimentaire | 0.03312335987929852 | 0.0033829056962747924 | 0.051301963326673035 | 0.018609583345573343 | 0.07205653456550686 | 0.05034237002917957 | 0.009749738217460996 | 0.14604630999284526 | 0.06149290095069281 | 0.043651492381671986 210 | Industrie des boissons | 0.00010359957207220047 | 0 | 0.00043561952515536065 | 0.03224777953532619 | 0.10183616139984239 | 0.04442701840427834 | - | 0.10751731976623516 | 0.02028902271895375 | 0.04470768896374466 220 | Industrie du bois | 0.0017466751036090732 | 0 | 4.870074026909562e-06 | 0.00012501745887368587 | 0 | 9.132004002679645e-05 | - | 0 | 0 | 0.0002983976391059256 230 | Industrie chimique | 0 | 0 | 0.028906070404572024 | 0.014790359555082181 | 0.0023167527911447205 | 0.0073099313698383106 | - | 0.14031900371062614 | 0 | 0.009208669231075365 240 | Industrie du textile | 0.0051640928291690185 | 0 | 0.03851195165303975 | 0.029902085220317984 | 0.0001836022852582673 | 0.03178922236095216 | - | 0 | 0.0029778566578919155 | 0.015244489670634322 250 | Industrie pharmacie | 0 | 0 | 0.0003485308410092524 | 0.0006680467059322948 | 0.00031001081284391413 | 0.004090214296527382 | - | 0 | 0 | 0.0006554389438571625 260 | Imprimerie, édition | 0.0006326186635047135 | 0 | 0.0008804651238831945 | 0.003027424941923498 | 0.0016599086090357397 | 0.0059075588987614076 | - | 0 | 0 | 0.0020193564384116606 270 | Sidérurgie, aciérie | 0.026377682387122642 | 0 | 0.016120537743466116 | 0.016948901395469135 | 0.0017855229046450506 | 0.032991252996969075 | - | 0 | 0.015959380103603656 | 0.013848978054360618 280 | Industrie de la fabrication | 0.004532538284526382 | 0.002013240425372151 | 0.03276043193134724 | 0.04632593899713826 | 0.013184857894701765 | 0.025295489538599565 | - | 0 | 0.0018292088140693908 | 0.022707055353595854 290 | Autres industries | 0 | 0 | 0.0015689706002641958 | 0.0011230667623038592 | 0.002110633180415795 | 0.008279977764504174 | - | 0 | 0 | 0.0017633410231767109 300 | Production et distribution de l'électricité | 0.036411183129155526 | 0 | 0.043797984943657865 | 0.05698940050353402 | 0.0025428402615656352 | 0.00042006926599155356 | - | 0.16938996980270438 | 0 | 0.02763432941801655 400 | Production et distribution de gaz | 0 | 0.0010132470664510845 | 4.968314098606368e-05 | 7.721953931672147e-05 | 2.6411514652492567e-09 | 0.014639497822664677 | - | 0 | 0 | 0.001277471503959775 500 | Traitement et distribution de l'eau | 0 | 0.002864659907653806 | 0.04275749241822908 | 0.0025317444223680145 | 0.001529153878060349 | 2.134705359134127e-07 | - | 0 | 0 | 0.0045942374288251596 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07681646039862652 | 0.11604170582444404 | 0.09970170957644284 | 0.10410645816273945 | 0.02883155533129614 | 0.042075996057088345 | - | 0 | 0.13792240896692196 | 0.06800595781741153 700 | Commerce de gros(1) | 0.05296849258062126 | 0.1698506908677933 | 0.13101379315572367 | 0.16461748712726834 | 0.12305659472037264 | 0.163328040289801 | - | 0.19967502242300816 | 0.009808255004972215 | 0.12086751032294275 800 | Commerce de détail(2) | 0.008857345365477325 | 0.2616272299421747 | 0.029746176209877778 | 0.15834239183541166 | 0.15173904573223487 | 0.07177903957678682 | 0.00013848965715565405 | 0.09528185801543611 | 0.0027035719149163576 | 0.10585740868019641 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007650558567391978 | 0.0012814100363935388 | 0.002278695028483509 | 0.001105841373467524 | 0.0008211117294122153 | 0.004990476594634703 | - | 0 | 0 | 0.002296958031787819 1000 | Hotels,motels et pensions | 0.04654630722251676 | 0 | 0.004427257986847251 | 0.05719607524642145 | 0.0014179538552263119 | 0.10966146396326794 | 0.07451702839936827 | 0 | 0 | 0.036762224339687156 1100 | Transport | 0.12132581609365767 | 0.0885661733014397 | 0.025055926364401102 | 0.0034716514389078945 | 0.03769349988718208 | 0.004663539239277723 | - | 0 | 0 | 0.03374968570584187 1200 | Immobilier résidentiel | 0.11088939434534838 | 0.1806399648176788 | 0.15745296522178487 | 0.0095206687225553 | 0.06751603600014411 | 0.05240265533740463 | 0.6246176228643258 | 0 | 0.26042241782000936 | 0.0969953115900552 1300 | Immobilier commercial | 0.08791765240177328 | 0.01726124885490172 | 0.09806535541215239 | 0.05616735452411892 | 0.17339247357435897 | 0.02471066755125337 | 0.25888412868740474 | 0 | 0.0036326631921786354 | 0.10218000712360417 1400 | Télécommunications | 0.01517334686284458 | 0 | 0.000495061178522422 | 0.004713825167746182 | 0.005995528904858226 | 0.0051909716973331625 | - | 0 | 0.05093422606793183 | 0.0075537250999887055 1500 | Services financiers | 0.005831751406632121 | 0.0575762000252793 | 0.020458053501529898 | 0.06273987595133083 | 0.10110371123858183 | 0.1881949660413666 | - | 0.14177051628914492 | 0.20024975364272352 | 0.07541247055604293 1510 | Services professionnels | 0.06841242966839396 | 0.0161609368444131 | 0.011954998267962366 | 0.02416964021282759 | 0.012090697889894446 | 0.0238865878135449 | 0 | 0 | 0.021155981419462178 | 0.024464136976738063 1520 | Services médicaux | 0 | 0.000508461488805568 | 0.00046269818796089787 | 0.0015432989553929208 | 0.0007177781875637468 | 0.005903141741194392 | 0 | 0 | 0.00029295670904666413 | 0.001208964617495121 1530 | Services d'agence ou de représentation | 3.093545549037827e-05 | 0.0005508741523906338 | 0.0003370472487338379 | 0.0011073106345457066 | 0.0005346701749368334 | 0.0021785131936300404 | 0 | 0 | 0 | 0.0007012658485285028 1540 | Services d'enseignement | 0.0018216194748953457 | 0 | 0.0017191165031904601 | 0.005717511325708676 | 0.00024160385797190187 | 0.002102497466238693 | 0 | 0 | 0.002429609102390301 | 0.0023824745664534513 1550 | Autres services | 0.03430643202845758 | 0.010025198155883423 | 0.0012208407848130372 | 0.042182506895458174 | 0.012228062668372652 | 0.04970022371044029 | 0 | 0 | 0.0036967273516294993 | 0.025354378096620417 1560 | Crédit à la consommation | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.07961129692820189 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706289 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0027251323972887773 | 0.022083258848687802 | 0.04033357779816729 | 0.03659357759975257 | 0.053021555227944106 | 0.011836310269001945 | - | 0 | 0 | 0.031093347799534352 Produits pétroliers | 0 | 0 | 0.013132694694672176 | 0.00015367762837090513 | 0.0002452497789160024 | 0.012337124765202746 | - | 0 | 0 | 0.002186830910413939 Produits pharmaceutiques | 0 | 0 | 0 | 0.005389785990928643 | 0.00440317000839035 | 0.0017558740263124177 | - | 0 | 0 | 0.00314176181611033 Produits alimentaires | 0.034616926710713584 | 0.010953642410788179 | 0.04348742130257561 | 0.07415903224592667 | 0.030348706307868987 | 0.0583877406514253 | - | 0.19967502242300816 | 0.0012738787886787362 | 0.04588511227127533 Matériaux de construction | 0 | 0.0650634799961661 | 0.028648124006542958 | 0.015959431951452854 | 0.013860021480681066 | 0.06232340648626735 | - | 0 | 0.008534054285843978 | 0.017692394965068088 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.01562643347261889 | 0.07175030961215124 | 0.0035465352697404574 | 0.03236198174915061 | 0.021177891916572114 | 0.016687638513433176 | - | 0 | 0 | 0.020868056088620402 S-Total | 0.05296849258062125 | 0.1698506908677933 | 0.1291483530716985 | 0.16461748716558225 | 0.12305659472037263 | 0.16332809471164295 | - | 0.19967502242300816 | 0.009807933074522714 | 0.12086750385102242 (2) Commerce de détail Produits pétroliers | 0.004640244434530924 | 0.003603793880883081 | 0.005194276899602855 | 0.0013709704858163372 | 0.004448998072987759 | 0.0034429480839262764 | - | 0.21358924844597413 | #DIV/0! | 0.004850838600179821 Produits pharmaceutiques | 6.0987968363551595e-05 | 0 | 5.960490028666436e-05 | 0 | 1.6267366664560488e-05 | 0.003329178630512769 | - | 0 | #DIV/0! | 0.0002996289177278029 Véhicules automobiles | 0.008399551548254992 | 0 | 0.016157468847275896 | 0.04876670347073674 | 0.09147648533916365 | 0.05518600655547341 | - | 0 | #DIV/0! | 0.04818470255031244 Produits alimentaires | 1.0186520880793923e-05 | 0 | 0.03146786535243092 | 0.021077635775906316 | 0.035648905915604635 | 0.011872642405168842 | - | 0.012388176409866499 | #DIV/0! | 0.021100263939053877 Librairie ,papeterie | 2.2865023264614683e-05 | 0 | 0 | 0.000731908102578749 | 0.004083195484480433 | 6.221766983551202e-07 | - | 0 | #DIV/0! | 0.001385924364733574 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0031797763684713117 | 0.009871402370947418 | 0.01627172692579477 | 0.017981973171088725 | - | 0 | #DIV/0! | 0.009377835319710379 Matériaux de construction | 0.001154268344612537 | 0 | 0.0019357155779463576 | 0.005175104468296948 | 0.02024208748953818 | 0 | - | 0 | #DIV/0! | 0.007720689161741798 Autres | 0.0018421426773954194 | 0.32044981698330866 | 0.006221954304325306 | 0.0823516756201672 | 0.02484191999475835 | 0.004254088733810395 | - | 0 | #DIV/0! | 0.03536979372004292 S-Total | 0.016130246517302833 | 0.3240536108641917 | 0.06421666225033931 | 0.16934540029444972 | 0.19702958658899233 | 0.09606745975667877 | - | 0.22597742485584063 | #DIV/0! | 0.12828967657350263 [Secteur d'activité déc.16 g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 813407 | 737219.44187 | 1142124.78351 | 8429315.675999999 | 7283071.45 | 1788602.32898 | 584.4 | 260584.76921 | 38865 | 20493774.849569995 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2165548 | 147114.97863 | 304491.17543999996 | 5109427.869 | 3423087.0100000007 | 2941236.9208000004 | 314447.68 | 125249.62026000001 | 707684 | 15238287.254130002 Industries Manufacturières ( 200 à 290 ) | 943060 | 9219.808570000001 | 1213734.52812 | 4274381.984999999 | 5179967.56 | 1601586.6179999998 | 41142.04 | 347982.44064 | 318542 | 13929616.98033 Prêts aux Particuliers ( 1560 ) | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2615590 | 338132.30122 | 1815338.77985 | 1714470.1870000002 | 6384940.7700000005 | 586647.87548 | 3728209.2699999996 | 0 | 820224 | 18003553.18355 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1795841 | 151323.39733 | 181527.87806000002 | 213642.532 | 1157916.18 | 74969.24900000001 | 0 | 0 | 158215 | 3733435.23639 Bâtiments et Travaux Publics ( 600 ) | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 Électricité, Gaz et Eau ( 300 à 500 ) | 479041 | 6625.7582999999995 | 615289.36949 | 1555528.9080000003 | 107922.54000000001 | 114568.896 | 0 | 149650.50525999998 | 0 | 3028626.9770500003 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 Total | 13156425 | 1708591.3468900002 | 7104534.717299999 | 26100194.56 | 26503591.68 | 7607607.26557 | 4219809.71 | 883467.33537 | 3106261 | 90390482.61512999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.061825837946098576 | 0.43147792080996794 | 0.16075996936560147 | 0.32295987896268 | 0.2747956404526075 | 0.23510707986658785 | 0.00013848965715565405 | 0.29495688043844426 | 0.012511826919888573 | 0.22672491900313904 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1646000338237781 | 0.08610308070316554 | 0.04285870750952126 | 0.19576206059515291 | 0.12915558960195997 | 0.3866178705243177 | 0.07451702839936827 | 0.1417705162891449 | 0.22782502822525216 | 0.16858287303335345 Industries Manufacturières ( 200 à 290 ) | 0.07168056671930255 | 0.005396146121646943 | 0.1708394112234371 | 0.16376820391794045 | 0.1954439844433945 | 0.2105243556996368 | 0.009749738217460996 | 0.39388263346970653 | 0.10254836924521153 | 0.15410490769963422 Prêts aux Particuliers ( 1560 ) | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.0796112969282019 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706288 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19880704674712166 | 0.19790121367258048 | 0.25551832063393726 | 0.06568802324667423 | 0.2409085095745031 | 0.077113322888658 | 0.8835017515517304 | 0 | 0.26405508101218794 | 0.19917531871365934 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13649916295650225 | 0.08856617330143969 | 0.02555098754292353 | 0.008185476606654078 | 0.043689028792040306 | 0.009854510936610888 | 0 | 0 | 0.05093422606793183 | 0.04130341080583057 Bâtiments et Travaux Publics ( 600 ) | 0.07681646039862652 | 0.11604170582444402 | 0.09970170957644285 | 0.10410645816273946 | 0.02883155533129614 | 0.04207599605708835 | 0 | 0 | 0.13792240896692196 | 0.06800595781741152 Électricité, Gaz et Eau ( 300 à 500 ) | 0.036411183129155526 | 0.0038779069741048905 | 0.08660516050287302 | 0.059598364465218774 | 0.00407199678077745 | 0.015059780559192144 | 0 | 0.16938996980270435 | 0 | 0.03350603835080149 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.030369494891004e-07 | 0.0003202371147381976 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.0076927477791075395 Total | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 [Secteur d'activité sept. 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2016 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 | 8.85384 | 7954.259 | 0 | 0 | 0 | 0 | 0 | 7963.11284 200 | Industrie alimentaire | 93460 | 5780.0034000000005 | 191299.35254 | 427062.236 | 1857046.87 | 354573.387 | 26932.01 | 138099.8964 | 239485 | 3333738.7553399997 210 | Industrie des boissons | 1372 | 0 | 9094.51485 | 971885.456 | 2485173.95 | 140849.197 | 0 | 117275.76 | 66076 | 3791726.8778500003 220 | Industrie du bois | 15439 | 0 | 10013.08783 | 3606.966 | 0 | 969.82 | 0 | 0 | 0 | 30028.87383 230 | Industrie chimique | 0 | 0 | 14640.51494 | 322304.533 | 74162.5 | 56684.693 | 0 | 128741.03232 | 0 | 596533.27326 240 | Industrie du textile | 73259 | 0 | 111668.04076999999 | 780865.518 | 4616.44 | 204354.443 | 0 | 0 | 7435 | 1182198.44177 250 | Industrie pharmacie | 0 | 0 | 6715.45017 | 17634.359 | 2565.19 | 32444.16 | 0 | 0 | 0 | 59359.15917 260 | Imprimerie, édition | 16786 | 0 | 4816.01013 | 157627.112 | 36122.41 | 77707.754 | 0 | 0 | 4494 | 297553.28613 270 | Sidérurgie, aciérie | 347036 | 0 | 143264.28512000002 | 444349.504 | 76426.02 | 220866.303 | 0 | 0 | 50459 | 1282401.1121200002 280 | Industrie de la fabrication | 61504 | 3471.5940499999997 | 167834.5011 | 1335603.687 | 357187.25 | 154637.502 | 0 | 0 | 1898 | 2082136.53415 290 | Autres industries | 0 | 0 | 160274.14904 | 131567.472 | 366835.99 | 66469.538 | 0 | 149461.6532 | 0 | 874608.8022400001 300 | Production et distribution de l'électricité | 446347 | 0 | 320499.74552 | 1109133.244 | 65536.8 | 239.402 | 0 | 0 | 0 | 1941756.1915199999 400 | Production et distribution de gaz | 0 | 1991.44471 | 874.08243 | 2504.429 | 89326.43 | 111715.291 | 0 | 0 | 0 | 206411.67713999999 500 | Traitement et distribution de l'eau | 0 | 7058.053150000001 | 299069.88724 | 47806.979 | 37004.57 | 5.883 | 0 | 0 | 0 | 390945.37239 600 | Entrep/ batiment et corps/ métiers corresp. | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 700 | Commerce de gros(1) | 674585 | 291599.06827999995 | 952354.90876 | 4097032.977 | 3506808.23 | 1359146.4268 | 0 | 217797.84 | 11782 | 11111106.45084 800 | Commerce de détail(2) | 105321 | 461120.52403 | 195970.47025 | 3989980.142 | 4057719.65 | 510854.05 | 699.06 | 84072.17992 | 7260 | 9412997.076200001 900 | Rest/débits/boissons, casinos/activités/loterie | 98787 | 4123.83202 | 15906.198349999999 | 28264.149 | 22524.47 | 32312.986 | 0 | 0 | 0 | 201918.63537 1000 | Hotels,motels et pensions | 574918 | 0 | 30891.063149999998 | 1450360.295 | 60188.81 | 813842.034 | 315297.13 | 0 | 0 | 3245497.3321499997 1100 | Transport | 1560837 | 153123.54994 | 217895.63706 | 75192.216 | 651278.05 | 32294.282 | 0 | 0 | 0 | 2690620.7350000003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1429818 | 311137.84364 | 1035465.75943 | 255469.533 | 1768911.73 | 408231.204 | 2524152.72 | 0 | 792510 | 8525696.790070001 1300 | Immobilier commercial | 899225 | 29941.753539999998 | 471503.20225 | 1304337.924 | 4761777.7 | 93245.402 | 1159031.32 | 0 | 13967 | 8733029.301789999 1400 | Télécommunications | 246900 | 0 | 3646.7466099999997 | 127224.312 | 183246.92 | 37915.403 | 0 | 0 | 153854 | 752787.38161 1500 | Services financiers | 85549 | 86594.69965000001 | 119656.60457 | 1649354.295 | 2336040.86 | 1336913.933 | 0 | 77535.02437 | 635599 | 6327243.41659 1510 | Services professionnels | 901730 | 27451.660809999998 | 53864.94053 | 598920.54 | 302508.24 | 198448.457 | 0 | 0 | 71030 | 2153953.8383400002 1520 | Services médicaux | 0 | 998.4891899999999 | 3483.65875 | 41120.732 | 24401.62 | 47191.427 | 0 | 0 | 1145 | 118340.92694 1530 | Services d'agence ou de représentation | 1521 | 1058.40156 | 0.74427 | 28684.531 | 24667.94 | 7378.231 | 0 | 0 | 0 | 63310.84783 1540 | Services d'enseignement | 23079 | 0 | 9464.889449999999 | 151258.693 | 8288.22 | 17053.249 | 0 | 0 | 7110 | 216254.05145 1550 | Autres services | 470208 | 17990.21457 | 11556.63282 | 1052832.902 | 318336 | 457638.73 | 0 | 0 | 13213 | 2341775.47939 1560 | Crédit à la consommation | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 1570 | Zone Franche | 0 | 0 | 281497.47002 | 334689.683 | 0 | 0 | 0 | 0 | 0 | 616187.1530200001 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 723382.11 | 0 | 0 | 0 | 0 | 723382.11 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 10703.32 | 0 | 0 | 0 | 0 | 10703.32 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.329999994 | 26460875.400000006 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80681996 (1) Commerce de gros Import-export | 40997 | 38477.17 | 480886.19 | 926447.91 | 1599901.62 | 132487 | 0 | 0 | 0 | 3219196.89 Produits pétroliers | 0 | 0 | 0 | 3790.79 | 0 | 105931 | 0 | 0 | 0 | 109721.79 Produits pharmaceutiques | 0 | 0 | 0 | 140532.02 | 117279.92 | 12185 | 0 | 0 | 0 | 269996.94 Produits alimentaires | 425371 | 18893.67 | 303150.21 | 1883830.76 | 847937.12 | 440114 | 0 | 217797.84 | 3785 | 4140879.6 Matériaux de construction | 0 | 108378.09 | 0 | 277868.61 | 399763.72 | 492596 | 0 | 0 | 7997 | 1286603.42 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 208216 | 125850.13 | 168318.51 | 864563.89 | 541925.85 | 175833.6 | 0 | 0 | 0 | 2084707.98 S-Total | 674584 | 291599.06 | 952354.91 | 4097033.98 | 3506808.23 | 1359146.6 | - | 217797.84 | 11782 | 11111106.620000001 (2) Commerce de détail Produits pétroliers | 20448 | 6863.81 | 13448.94 | 120083.89 | 140973.02 | 13269 | 0 | 0 | 0 | 315086.66000000003 Produits pharmaceutiques | 8107 | 0 | 505.49 | 6260.02 | 8035.49 | 18334 | 0 | 0 | 1012 | 42254 Véhicules automobiles | 10931 | 0 | 16661.02 | 1255009.62 | 2177823.42 | 98846 | 0 | 0 | 0 | 3559271.06 Produits alimentaires | 2273 | 0 | 93322.98 | 1085500.09 | 542180.28 | 113031 | 0 | 0 | 4695 | 1841002.35 Librairie ,papeterie | 1231 | 0 | 1.33 | 37490.88 | 26491.31 | 13565 | 0 | 0 | 534 | 79313.52 Appareils électro- ménagers électroni.équip. inform. | 18163 | 0 | 32201.24 | 310677.73 | 217451.58 | 190078 | 0 | 84072.18 | 0 | 852643.73 Matériaux de construction | 0 | 1184.66 | 0 | 257614.67 | 347672.81 | 654 | 0 | 0 | 0 | 607126.14 Autres | 44169 | 438981.64 | 39829.46 | 917343.26 | 597091.74 | 63077 | 0 | 0 | 1020 | 2101512.1 S-Total | 105322 | 447030.11 | 195970.46 | 3989980.16 | 4057719.6500000004 | 510854 | - | 84072.18 | 7261 | 9398209.56 [Secteur d'activité sept. 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 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 | 1.3426439350318606e-06 | 0.0003084411953050685 | 0 | 0 | 0 | 0 | 0 | 9.006232135412004e-05 200 | Industrie alimentaire | 0.007452870918285243 | 0.0034836524124156687 | 0.029009663091195768 | 0.01656013294783276 | 0.07018085539225961 | 0.048552511129800004 | 0.006444643638917624 | 0.1512622228245399 | 0.08036770780968003 | 0.037704382334749785 210 | Industrie des boissons | 0.00010940871923697147 | 0 | 0.0013791411642191062 | 0.03768666719907556 | 0.09391881078885242 | 0.019286789295796452 | - | 0.12845333416946186 | 0.022174151455132546 | 0.04288420011388172 220 | Industrie du bois | 0.0012311670672737628 | 0 | 0.0015184385132203466 | 0.00013986681907953233 | 0 | 0.00013279957850841932 | - | 0 | 0 | 0.0003396247345880616 230 | Industrie chimique | 0 | 0 | 0.0022201664577103657 | 0.012497958063819885 | 0.0028027228456697236 | 0.007761959269018113 | - | 0.1410113636946156 | 0 | 0.006746754998233483 240 | Industrie du textile | 0.0058419630922604176 | 0 | 0.01693394252400439 | 0.030279513622127656 | 0.00017446285998535025 | 0.027982701838199665 | - | 0 | 0.0024950786377642485 | 0.013370592393492907 250 | Industrie pharmacie | 0 | 0 | 0.0010183669957621979 | 0.0006838050871110298 | 9.694274891600901e-05 | 0.004442649948505617 | - | 0 | 0 | 0.0006713484758906043 260 | Imprimerie, édition | 0.0013385821873992735 | 0 | 0.0007303256882998227 | 0.006112284605991068 | 0.0013651252822875239 | 0.010640693095663045 | - | 0 | 0.0015081215061348396 | 0.003365309548396967 270 | Sidérurgie, aciérie | 0.027674026449797107 | 0 | 0.021725367018496297 | 0.017230478935495352 | 0.0028882649891469572 | 0.030243707023069052 | - | 0 | 0.016933311766368017 | 0.014503878493907212 280 | Industrie de la fabrication | 0.004904572790051525 | 0.00209235637944614 | 0.025451326767934945 | 0.051790518472196664 | 0.01349869362220722 | 0.021174852124306417 | - | 0 | 0.0006369413926666501 | 0.023548837421946044 290 | Autres industries | 0 | 0 | 0.02430483430364096 | 0.0051017735689705525 | 0.013863335375518223 | 0.009101819543883774 | - | 0.16370687074651932 | 0 | 0.009891772299245845 300 | Production et distribution de l'électricité | 0.03559347930412865 | 0 | 0.04860230583585006 | 0.04300870559180286 | 0.0024767434564919944 | 3.278184064473057e-05 | - | 0 | 0 | 0.02196114429442475 400 | Production et distribution de gaz | 0 | 0.0012002590116441663 | 0.0001325505626211238 | 9.711389512419416e-05 | 0.003375792699586952 | 0.01529741968380257 | - | 0 | 0 | 0.002334503500244956 500 | Traitement et distribution de l'eau | 0 | 0.004253942806150514 | 0.045352566824501964 | 0.0018538045777343067 | 0.001398463559523809 | 8.055720859180372e-07 | - | 0 | 0 | 0.004421568357443281 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189846 | 0.02755894349587542 | 0.047987871164615496 | - | 0 | 0.08845599097409078 | 0.06789284243894879 700 | Commerce de gros(1) | 0.05379408226419271 | 0.17574899656145238 | 0.1444202224395782 | 0.15887007810911907 | 0.1325280504514223 | 0.18611089955895338 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593741441798 800 | Commerce de détail(2) | 0.008398714080726729 | 0.27792087906929025 | 0.029718016513343836 | 0.15471890521065093 | 0.15334789906459403 | 0.06995236489175204 | 0.00016728022090522595 | 0.09208511478944056 | 0.00243635116478392 | 0.10646042378348576 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00787766701695532 | 0.0024854652100844746 | 0.0024121014999188245 | 0.001095994976004749 | 0.000851236765961265 | 0.004424688005143691 | - | 0 | 0 | 0.002283687471403247 1000 | Hotels,motels et pensions | 0.04584624055851397 | 0 | 0.004684487023148566 | 0.05624041950517474 | 0.0022746341188697025 | 0.11144117371020876 | 0.07544842153346458 | 0 | 0 | 0.03670637721140625 1100 | Transport | 0.12446733025340878 | 0.09228873881737372 | 0.033042866775152085 | 0.0029157181053165227 | 0.024612868627921506 | 0.004422126825423308 | - | 0 | 0 | 0.030430756683541945 1200 | Immobilier résidentiel | 0.1140193557740292 | 0.18752516643680434 | 0.1570235990069675 | 0.009906306561371417 | 0.06685008350101673 | 0.05589999363302937 | 0.6040122802050282 | 0 | 0.2659549120665157 | 0.09642511157421627 1300 | Immobilier commercial | 0.07170776644013532 | 0.018046124670372404 | 0.07150128247732772 | 0.05057813032744994 | 0.17995541069665438 | 0.012768297295836464 | 0.27734817504316606 | 0 | 0.004687123514950001 | 0.09877002965749226 1400 | Télécommunications | 0.019688784824787357 | 0 | 0.0005530122769910567 | 0.004933359457511375 | 0.006925202482152196 | 0.00519183924581557 | - | 0 | 0.05163118073094562 | 0.00851397944950965 1500 | Services financiers | 0.006822016415454572 | 0.05219129011898726 | 0.0181453713205136 | 0.06395678217560537 | 0.08828282604739522 | 0.18306655544784922 | - | 0.0849249017464221 | 0.21329784627899376 | 0.07156073778186835 1510 | Services professionnels | 0.0719075250711037 | 0.016545326669803195 | 0.008168369398301342 | 0.023224258507342683 | 0.011432283906979129 | 0.02717398222891482 | 0 | 0 | 0.023836642318815677 | 0.024361086759448383 1520 | Services médicaux | 0 | 0.0006017970985128601 | 0.0005282807564184774 | 0.0015945329074523952 | 0.0009221773516986514 | 0.006462025545782557 | 0 | 0 | 0.0003842454660712931 | 0.001338428678026208 1530 | Services d'agence ou de représentation | 0.00012129056994127815 | 0.0006379067437570204 | 1.1286510728973675e-07 | 0.0011122960703700108 | 0.0009322420224993763 | 0.0010103173443914881 | 0 | 0 | 0 | 0.0007160418340206834 1540 | Services d'enseignement | 0.0018404109557361987 | 0 | 0.0014353067613362724 | 0.00586533730787524 | 0.0003132254649443683 | 0.002335138767399232 | 0 | 0 | 0.002386013330800781 | 0.002445820154398353 1550 | Autres services | 0.037496250040071344 | 0.010842840401556858 | 0.0017525099804337045 | 0.040825555057910995 | 0.012030440988358228 | 0.06266547447271484 | 0 | 0 | 0.004434092002794756 | 0.026485338083444852 1560 | Crédit à la consommation | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390658 | 0.05739996568669832 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.1028379210394141 Zone Franche | 0 | 0 | 0.042687790930168834 | 0.012978215303373258 | 0 | 0 | 0 | 0 | 0 | 0.006969039181613253 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.02733779964059692 | 0 | 0 | 0 | 0 | 0.008181407618059248 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0.000404496065916247 | 0 | 0 | 0 | 0 | 0.00012105389748514226 Total | 0.9999999999999999 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0032692633109024194 | 0.023190485682660286 | 0.07292416922420994 | 0.03592474179534291 | 0.060462913483202436 | 0.018141735330107597 | - | 0 | 0 | 0.03640892081209838 Produits pétroliers | 0 | 0 | 0 | 0.00014699493676915734 | 0 | 0.014505364037631072 | - | 0 | 0 | 0.001240946764045764 Produits pharmaceutiques | 0 | 0 | 0 | 0.005449390600360862 | 0.004432201060135749 | 0.001668518760311284 | - | 0 | 0 | 0.0030536489515460724 Produits alimentaires | 0.03392076990564854 | 0.011387359923505501 | 0.045971328921703455 | 0.07304904345795826 | 0.03204493831674215 | 0.06026577477846864 | - | 0.2385561920290006 | 0.0012701913441745367 | 0.04683309614182487 Matériaux de construction | 0 | 0.06532030667689614 | 0 | 0.010774872455895378 | 0.01510772844650483 | 0.06745225008242078 | - | 0 | 0.0026836777224210754 | 0.014551406340155525 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.016603969303677298 | 0.07585083928797091 | 0.025524724481705067 | 0.03352507375598403 | 0.02048026914483713 | 0.02407728028666969 | - | 0 | 0 | 0.02357792031793668 S-Total | 0.05379400252022826 | 0.17574899157103285 | 0.14442022262761847 | 0.15887011700231057 | 0.1325280504514223 | 0.18611092327560907 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593932760728 (2) Commerce de détail Produits pétroliers | 0.0016306045852460588 | 0.004136870968771886 | 0.0020394696226278533 | 0.004656476306401686 | 0.005327602275773535 | 0.001816953256509678 | - | 0 | 0 | 0.0035636109392764 Produits pharmaceutiques | 0.0006464843198645245 | 0 | 7.665522335159154e-05 | 0.00024274392516432204 | 0.00030367438259431125 | 0.002510514809318595 | - | 0 | 0.0003396125866062434 | 0.0004778901671945902 Véhicules automobiles | 0.0008716812754951422 | 0 | 0.002526566716186935 | 0.04866533354171141 | 0.08230352877894581 | 0.013535199456850977 | - | 0 | 0 | 0.040255138968009335 Produits alimentaires | 0.00018125803121402052 | 0 | 0.014151998804597736 | 0.042092286065032514 | 0.02048988447298308 | 0.01547758260129214 | - | 0 | 0.0015755742036722457 | 0.020821624481638035 Librairie ,papeterie | 9.816482024833227e-05 | 0 | 2.0168835596671893e-07 | 0.0014537786411328681 | 0.0010011501735879833 | 0.0018574851853608999 | - | 0 | 0.00017920268897997428 | 0.0008970310818760703 Appareils électro- ménagers électroni.équip. inform. | 0.001448389626458537 | 0 | 0.004883169289992292 | 0.012047107140447065 | 0.008217852837929918 | 0.02602779720331951 | - | 0.09208511487706537 | 0 | 0.00964334866964356 Matériaux de construction | 0 | 0.0007140036746158914 | 0 | 0.009989488240566566 | 0.01313912728677147 | 0 | - | 0 | 0 | 0.006866559676073417 Autres | 0.003522211166164572 | 0.26457760374192624 | 0.00603995361386631 | 0.03557169204817799 | 0.02256507885600791 | 0.008637271878880168 | - | 0 | 0.0003422972710853441 | 0.02376797389194998 S-Total | 0.008398793824691188 | 0.26942847838531403 | 0.029718014958978686 | 0.15471890590863444 | 0.15334789906459403 | 0.06986280439153196 | - | 0.09208511487706537 | 0.0024366867503438075 | 0.10629317787566138 [Secteur d'activité sept.16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 779906 | 752719.59231 | 1148325.37901 | 8087013.119 | 7564527.88 | 1870000.4768 | 699.06 | 301870.01992 | 19042 | 20524103.527039997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2155792 | 138217.2978 | 244824.73188999997 | 5000796.137 | 3096956.16 | 2910779.047 | 315297.13 | 77535.02437 | 728097 | 14668294.52806 Industries Manufacturières ( 200 à 290 ) | 608856 | 9251.597450000001 | 1101117.3765099999 | 4927196.5260000015 | 5260136.620000001 | 1309556.797 | 26932.01 | 533578.34192 | 369847 | 14146472.268880002 Prêts aux Particuliers ( 1560 ) | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2329043 | 341079.59718 | 1506968.96168 | 1559807.4570000002 | 6530689.43 | 501476.606 | 3683184.04 | 0 | 806477 | 17258726.09186 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1807737 | 153123.54994 | 221542.38367 | 202416.528 | 834524.9700000001 | 70209.685 | 0 | 0 | 153854 | 3443408.1166100004 Bâtiments et Travaux Publics ( 600 ) | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 Électricité, Gaz et Eau ( 300 à 500 ) | 446347 | 9049.497860000001 | 620443.71519 | 1159444.652 | 191867.8 | 111960.576 | 0 | 0 | 0 | 2539113.24105 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.85384 | 7954.259 | 734085.4299999999 | 0 | 0 | 0 | 0 | 742048.5428399999 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.33 | 26460875.4 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80682 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.06219279634491944 | 0.4536698756307427 | 0.17413823895292202 | 0.3135889833197699 | 0.2858759495160164 | 0.25606326445070543 | 0.00016728022090522595 | 0.33064130681844117 | 0.006390220231379532 | 0.23212636119790359 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17191140062777638 | 0.08330462624270167 | 0.03712653960517807 | 0.19391517650773615 | 0.11703906666670598 | 0.3985793555224046 | 0.07544842153346458 | 0.0849249017464221 | 0.24433883939747628 | 0.16589751797401625 Industries Manufacturières ( 200 à 290 ) | 0.0485525912243043 | 0.005576008791861809 | 0.166979363454653 | 0.19106121462507336 | 0.1987892139048431 | 0.17932048284675056 | 0.006444643638917624 | 0.5844337914351367 | 0.12411531256774634 | 0.15999573999594582 Prêts aux Particuliers ( 1560 ) | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390657 | 0.05739996568669834 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.10283792103941405 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18572712221416454 | 0.20557129110717673 | 0.2285248814842952 | 0.06048443688882135 | 0.24680549419767117 | 0.06866829092886584 | 0.8813604552481942 | 0 | 0.27064203558146577 | 0.19519514123170842 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.14415611507819615 | 0.09228873881737372 | 0.03359587905214314 | 0.007849077562827897 | 0.03153807111007371 | 0.00961396607123888 | 0 | 0 | 0.05163118073094562 | 0.03894473613305158 Bâtiments et Travaux Publics ( 600 ) | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189843 | 0.027558943495875426 | 0.047987871164615496 | 0 | 0 | 0.08845599097409078 | 0.06789284243894876 Électricité, Gaz et Eau ( 300 à 500 ) | 0.03559347930412865 | 0.005454201817794681 | 0.09408742322297316 | 0.04495962406466135 | 0.007250999715602758 | 0.01533100709653322 | 0 | 0 | 0 | 0.028717216152112975 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.3426439350318606e-06 | 0.00030844119530506846 | 0.02774229570651317 | 0 | 0 | 0 | 0 | 0.008392523836898504 Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 [Secteur d'activité juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 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 | 7641.554 | 82076.32 | 2003.886 | 0 | 0 | 0 | 91721.76000000001 200 | Industrie alimentaire | 351505 | 5780.0034000000005 | 232348 | 429346.733 | 1268610.73 | 194407.615 | 0 | 140535.88934 | 192385 | 2814918.9707400007 210 | Industrie des boissons | 1228 | 0 | 3085 | 982813.872 | 2130703.81 | 140909.228 | 0 | 244488.9683 | 69130 | 3572358.8783 220 | Industrie du bois | 13139 | 48.68306 | 143 | 1209.002 | 0 | 1121.229 | 0 | 0 | 0 | 15660.91406 230 | Industrie chimique | 0 | 0 | 26599 | 331900.712 | 71039.18 | 86674.929 | 0 | 135024.67799 | 0 | 651238.49899 240 | Industrie du textile | 252664 | 0 | 211570 | 772048.106 | 123954.46 | 185900.851 | 0 | 0 | 10987 | 1557124.4170000001 250 | Industrie pharmacie | 0 | 0 | 153 | 10601.085 | 8798.7 | 31009.916 | 0 | 0 | 0 | 50562.701 260 | Imprimerie, édition | 426110 | 133.4868 | 6621 | 165027.037 | 121272.84 | 56677.751 | 0 | 0 | 4565 | 780407.1148000001 270 | Sidérurgie, aciérie | 0 | 0 | 141486 | 455702.936 | 81269.24 | 286892.94 | 0 | 0 | 50312 | 1015663.1159999999 280 | Industrie de la fabrication | 62125 | 3571.18483 | 107245 | 1097222.513 | 410160.21 | 106405.657 | 0 | 2209.39352 | 5077 | 1794015.95835 290 | Autres industries | 0 | 0 | 15719 | 126722.53 | 397161.27 | 63180.634 | 0 | 0 | 0 | 602783.434 300 | Production et distribution de l'électricité | 308289 | 0 | 287232 | 1090414.871 | 62893.9 | 238.801 | 0 | 78439.51105 | 0 | 1827508.08305 400 | Production et distribution de gaz | 0 | 2366.73555 | 1390 | 2966.934 | 112584.23 | 110029.288 | 0 | 0 | 0 | 229337.18755 500 | Traitement et distribution de l'eau | 0 | 5446.20654 | 329288 | 49519.873 | 38727.42 | 0 | 0 | 0 | 0 | 422981.49954 600 | Entrep/ batiment et corps/ métiers corresp. | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 700 | Commerce de gros(1) | 795584 | 302411.91104000004 | 937466 | 3955374.707 | 2904491.1 | 901101.56 | 0 | 0 | 38436 | 9834865.278040001 800 | Commerce de détail(2) | 112223 | 309282.21386 | 252270 | 3540223.815 | 3838202.34 | 590120.703 | 976.35 | 219335.64534000002 | 7112 | 8869746.0672 900 | Rest/débits/boissons, casinos/activités/loterie | 96038 | 0 | 16459 | 24265.352 | 22399.4 | 34664.245 | 0 | 0 | 40 | 193865.997 1000 | Hotels,motels et pensions | 395855 | 0 | 31067 | 1397934.103 | 59244.35 | 784205.434 | 317525.88 | 0 | 0 | 2985831.767 1100 | Transport | 1554313 | 152884.53365 | 92419 | 61328.091 | 655729.32 | 35197.837 | 0 | 266599.47722 | 0 | 2818471.25887 1200 | Immobilier résidentiel / Avance Hypothécaire | 1394969 | 313445.49375 | 820815 | 258007.947 | 1570107.39 | 408753.777 | 2428502.02 | 0 | 799993 | 7994593.62775 1300 | Immobilier commercial | 679838 | 30206.472719999998 | 299085 | 994917.856 | 4708091.56 | 65250.352 | 1166713.92 | 0 | 19914 | 7964017.16072 1400 | Télécommunications | 309684 | 0 | 1937 | 149013.612 | 206746.26 | 748.646 | 0 | 0 | 238979 | 907108.5179999999 1500 | Services financiers | 87834 | 97327.28409 | 126258 | 1372830.564 | 1905198.12 | 1265374.71 | 0 | 0 | 1032237 | 5887059.6780900005 1510 | Services professionnels | 907374 | 27184.64624 | 126959 | 576492.22 | 170534.24 | 170042.2 | 0 | 0 | 72278 | 2050864.30624 1520 | Services médicaux | 0 | 1101.76905 | 3510 | 42628.315 | 4106.41 | 45914.378 | 0 | 0 | 1380 | 98640.87205 1530 | Services d'agence ou de représentation | 1729 | 1058.40156 | 16 | 19665.103 | 18428.8 | 72.765 | 0 | 0 | 0 | 40970.06956 1540 | Services d'enseignement | 24706 | 0 | 17421 | 157030.586 | 7961.86 | 18295.095 | 0 | 0 | 6766 | 232180.541 1550 | Autres services | 478400 | 52582.514950000004 | 5622 | 1151037.549 | 393967.7 | 441943.405 | 0 | 328.07344 | 13340 | 2537221.24239 1560 | Crédit à la consommation | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 729409.43 | 0 | 0 | 0 | 0 | 729409.43 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 2215.05 | 0 | 0 | 0 | 0 | 2215.05 Total | 12151127 | 1584348.5938299997 | 5730601 | 23979083.321999993 | 24119833.540000003 | 6576308.780999999 | 4129516.06 | 1094556.1471000002 | 3529473 | 82894847.44393001 (1) Commerce de gros Import-export | 8678 | 38282.444729999996 | 754600 | 974884.688 | 1203274.73 | 134705 | 0 | 0 | 0 | 3114424.86273 Produits pétroliers | 111145 | 0 | 0 | 5212.261 | 0 | 35282 | 0 | 0 | 0 | 151639.261 Produits pharmaceutiques | 0 | 361.83167 | 0 | 141785.045 | 108152.28 | 12979 | 0 | 0 | 0 | 263278.15667000005 Produits alimentaires | 447832 | 19235.82991 | 172249 | 1877821.23 | 603263.2 | 338755 | 0 | 0 | 3659 | 3462815.2599099996 Matériaux de construction | 0 | 104410.31911 | 0 | 142653.666 | 441951.57 | 372745 | 0 | 0 | 34777 | 1096537.55511 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 227930 | 140121.48562 | 10616 | 813017.817 | 547849.32 | 6635 | 0 | 0 | 0 | 1746169.62262 S-Total | 795585 | 302411.91104 | 937465 | 3955374.7070000004 | 2904491.0999999996 | 901101 | - | 0 | 38436 | 9834864.718039999 (2) Commerce de détail Produits pétroliers | 21692 | 7117.233179999999 | 10634 | 120698.032 | 120499.19 | 10790 | 0 | 0 | 0 | 291430.45518 Produits pharmaceutiques | 0 | 0 | 187 | 7206.571 | 1025.43 | 19419 | 0 | 0 | 733 | 28571.001 Véhicules automobiles | 18156 | 0 | 27493 | 915218.07 | 1960724.54 | 118790 | 0 | 0 | 0 | 3040381.61 Produits alimentaires | 19 | 0 | 156672 | 809466.819 | 472160.61 | 167918 | 0 | 0 | 5241 | 1611477.429 Librairie ,papeterie | 1255 | 0 | 21 | 43520.698 | 36348.78 | 13099 | 0 | 0 | 658 | 94902.478 Appareils électro- ménagers électroni.équip. inform. | 17272 | 0 | 31222 | 289345.54 | 191049.31 | 190590 | 0 | 21780.72068 | 0 | 741259.57068 Matériaux de construction | 0 | 1253.0785700000001 | 0 | 321784.218 | 259718.9 | 18 | 0 | 1528.38466 | 0 | 584302.58123 Autres | 53831 | 287389.71361000004 | 26042 | 1032983.866 | 796675.59 | 69497 | 0 | 0 | 482 | 2266901.16961 S-Total | 112225 | 295760.02536 | 252271 | 3540223.814 | 3838202.3499999996 | 590121 | - | 23309.10534 | 7114 | 8659226.2947 [Secteur d'activité juin 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 juin 2016 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 | 0.00031867581831158384 | 0.0034028559883668252 | 0.0003047128817596803 | 0 | 0 | 0 | 0.0011064832474906297 200 | Industrie alimentaire | 0.02892776941595623 | 0.003648189181667045 | 0.040545136539780036 | 0.017905051966940245 | 0.0525961643929322 | 0.029561813697324326 | 0 | 0.12839532235266907 | 0.05450813761714567 | 0.03395770735501997 210 | Industrie des boissons | 0.00010106058475069844 | 0 | 0.0005383379509409222 | 0.04098629871719498 | 0.08833824688161591 | 0.02142679620018895 | - | 0.22336813780432146 | 0.019586493507670975 | 0.04309506547697479 220 | Industrie du bois | 0.0010812988786966017 | 3.0727492793939816e-05 | 2.4953752669222653e-05 | 5.0419024937904185e-05 | 0 | 0.00017049518770155818 | - | 0 | 0 | 0.00018892506039766855 230 | Industrie chimique | 0 | 0 | 0.004641572498242331 | 0.01384125938190024 | 0.0029452599613587543 | 0.01317987519844227 | - | 0.12336021166912688 | 0 | 0.007856199981916813 240 | Industrie du textile | 0.020793462203135563 | 0 | 0.03691933882676529 | 0.032196731444344755 | 0.005139109264350255 | 0.0282682667725544 | - | 0 | 0.0031129293240095618 | 0.018784332983461216 250 | Industrie pharmacie | 0 | 0 | 2.669877033839906e-05 | 0.0004420971751774124 | 0.0003647910747563144 | 0.004715398414623197 | - | 0 | 0 | 0.0006099619283840357 260 | Imprimerie, édition | 0.03506752912713364 | 8.425342788818298e-05 | 0.0011553761987617005 | 0.006882124507595055 | 0.005027930221777143 | 0.00861847472304692 | - | 0 | 0.0012933942262768408 | 0.009414422474543627 270 | Sidérurgie, aciérie | 0 | 0 | 0.024689556994109345 | 0.019004185017444268 | 0.0033693947292473725 | 0.04362522344280416 | - | 0 | 0.014254819345551022 | 0.012252427591316738 280 | Industrie de la fabrication | 0.005112694485046531 | 0.0022540398267827085 | 0.0187144419930824 | 0.045757483647981476 | 0.017005101188604637 | 0.016180149160182816 | - | 0.002018529178109076 | 0.0014384583760805084 | 0.021642068399528334 290 | Autres industries | 0 | 0 | 0.002742993274178398 | 0.005284711191763381 | 0.016466169608565215 | 0.009607309526362098 | - | 0 | 0 | 0.007271663469888428 300 | Production et distribution de l'électricité | 0.025371226882905593 | 0 | 0.05012249151528784 | 0.04547358447182931 | 0.0026075594549895055 | 3.63123156093178e-05 | - | 0.07166330503722772 | 0 | 0.022046099840959652 400 | Production et distribution de gaz | 0 | 0.0014938224827647684 | 0.00024255745601552088 | 0.00012373008426381084 | 0.004667703440543727 | 0.01673116206433191 | - | 0 | 0 | 0.0027666036505480445 500 | Traitement et distribution de l'eau | 0 | 0.0034375052063727696 | 0.057461337824776144 | 0.0020651278589355914 | 0.0016056255088068901 | 0 | - | 0 | 0 | 0.005102627154553897 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08535562174603228 | 0.06521343077045474 | 0.10994309322879049 | 0.12188592173240044 | 0.023157639917941158 | 0.04902432196180663 | - | 0 | 0.09743409285182235 | 0.07139272417797728 700 | Commerce de gros(1) | 0.06547409141555346 | 0.19087460437538584 | 0.16358947342521316 | 0.16495103894864396 | 0.12041920169901801 | 0.13702239204512806 | - | 0 | 0.010890011058308138 | 0.11864266092886284 800 | Commerce de détail(2) | 0.009235604236545302 | 0.19521096245135175 | 0.04402156074031328 | 0.1476379963095572 | 0.15913054846065905 | 0.08973433618338489 | 0.00023643206269550142 | 0.20038775162071354 | 0.00201503170586657 | 0.10699996852276598 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007903629021406821 | 0 | 0.002872124581697452 | 0.0010119382661195127 | 0.0009286714173567219 | 0.005271079286932286 | - | 0 | 1.133313670341153e-05 | 0.0023386977957964247 1000 | Hotels,motels et pensions | 0.03257763662580434 | 0 | 0.005421246392830351 | 0.0582980627002302 | 0.002456250367638316 | 0.11924705182118184 | 0.07689178959144186 | 0 | 0 | 0.03601950976530373 1100 | Transport | 0.12791513083518918 | 0.0964967774424045 | 0.016127278796761457 | 0.0025575661161214435 | 0.02718631199973032 | 0.005352217812778522 | - | 0.24356857154048134 | 0 | 0.034000560297507164 1200 | Immobilier résidentiel | 0.11480161469796177 | 0.19783871742031076 | 0.14323366781250343 | 0.010759708514932532 | 0.06509611218486044 | 0.06215550251851839 | 0.5880839267156162 | 0 | 0.22666075076930747 | 0.09644258810123915 1300 | Immobilier commercial | 0.05594855522454831 | 0.01906554708833298 | 0.05219086095856264 | 0.041491071307433874 | 0.19519585623143562 | 0.009922032886977364 | 0.282530423189588 | 0 | 0.005642202107793429 | 0.09607372962604042 1400 | Télécommunications | 0.025486031048807242 | 0 | 0.0003380099225194705 | 0.006214316452342658 | 0.008571628807352042 | 0.00011383984921191007 | - | 0 | 0.0677095419061146 | 0.01094288180714208 1500 | Services financiers | 0.007228465310254761 | 0.061430473362381256 | 0.022032244087487506 | 0.05725116951157489 | 0.0789888585607544 | 0.1924141265470789 | - | 0 | 0.29246207578298516 | 0.07101840294804815 1510 | Services professionnels | 0.07467406109737805 | 0.017158248093801072 | 0.022154569826096773 | 0.024041461979953504 | 0.007070290917107216 | 0.025856784658785936 | 0 | 0 | 0.020478411366229462 | 0.024740552271686155 1520 | Services médicaux | 0 | 0.0006954082291552939 | 0.0006125012018809196 | 0.001777729132826774 | 0.00017025034576586051 | 0.00698178560785557 | 0 | 0 | 0.0003909932162676978 | 0.001189951789424796 1530 | Services d'agence ou de représentation | 0.00014229132820354852 | 0.0006680357871504927 | 2.792028270682255e-06 | 0.0008200940267786607 | 0.0007640517074646443 | 1.1064717674180637e-05 | 0 | 0 | 0 | 0.0004942414495389731 1540 | Services d'enseignement | 0.00203322704140941 | 0 | 0.0030399952814722225 | 0.006548648415426698 | 0.0003300959762759623 | 0.002781970191676133 | 0 | 0 | 0.00191700007338206 | 0.002800904376560276 1550 | Autres services | 0.03937083366835027 | 0.03318872826016602 | 0.0009810489336109774 | 0.04800173274113287 | 0.016333765295131468 | 0.0672023500898931 | 0 | 0.0002997319423669792 | 0.003779601090587745 | 0.030607707482737976 1560 | Crédit à la consommation | 0.2353981651249304 | 0.11121052910083615 | 0.17561473918704165 | 0.07642006353590503 | 0.06033165517443284 | 0.03448315423618489 | 0.0522574284406585 | 0.0069384388549837955 | 0.1764147225378973 | 0.1013743957124001 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.03024106401026182 | 0 | 0 | 0 | 0 | 0.00879921312954188 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 9.183521089922082e-05 | 0 | 0 | 0 | 0 | 2.6721202442627783e-05 Total | 1 | 1.0000000000000002 | 1 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0007141724384906848 | 0.024162892484068877 | 0.13167903331605185 | 0.04065562786153616 | 0.04988735631216134 | 0.02048337517076208 | - | 0 | 0 | 0.03757078948527644 Produits pétroliers | 0.009146888185762522 | 0 | 0 | 0.0002173669831330845 | 0 | 0.0053650157215755 | - | 0 | 0 | 0.0018292965808588842 Produits pharmaceutiques | 0 | 0.00022837882484264978 | 0 | 0.005912863435856076 | 0.004483956318381789 | 0.001973599542268817 | - | 0 | 0 | 0.003176049715853342 Produits alimentaires | 0.03685518223947458 | 0.012141160086177348 | 0.030057754849796732 | 0.07831080132563545 | 0.025011084715802722 | 0.051511419442273915 | - | 0 | 0.0010366986799445696 | 0.04177358866909363 Matériaux de construction | 0 | 0.06590110252037325 | 0 | 0.005949087547859684 | 0.018323160036203132 | 0.056679972369442194 | - | 0 | 0.009853312378363569 | 0.013228054443935093 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.018757930848718806 | 0.08844107045992367 | 0.0018525107575976761 | 0.03390529179462352 | 0.022713644316469023 | 0.0010089246446531783 | - | 0 | 0 | 0.021064875278298898 S-Total | 0.0654741737124466 | 0.19087460437538578 | 0.16358929892344626 | 0.164951038948644 | 0.120419201699018 | 0.1370223068909757 | - | 0 | 0.01089001105830814 | 0.11864265417331629 (2) Commerce de détail Produits pétroliers | 0.0017851842055473536 | 0.004492214155216195 | 0.0018556517894021936 | 0.00503347147925641 | 0.004995854958955906 | 0.0016407380430757791 | - | 0 | 0 | 0.003515664292368995 Produits pharmaceutiques | 0 | 0 | 3.263183041359885e-05 | 0.00030053571703419606 | 4.251397499487055e-05 | 0.0029528722945772524 | - | 0 | 0.00020767973009001628 | 0.0003446655839414554 Véhicules automobiles | 0.0014941823914769387 | 0 | 0.004797577077866702 | 0.038167350173904206 | 0.08129096482976805 | 0.0180633245724719 | - | 0 | 0 | 0.036677570485385246 Produits alimentaires | 1.5636409692697641e-06 | 0 | 0.02733954082652064 | 0.033757204482347404 | 0.019575616441007988 | 0.025533776711510536 | - | 0 | 0.0014849242365644955 | 0.019440019237504498 Librairie ,papeterie | 0.00010328260086492389 | 0 | 3.6645371052704594e-06 | 0.001814944191801996 | 0.0015070079127917561 | 0.001991846860634813 | - | 0 | 0.00018643009877111966 | 0.0011448537626441973 Appareils électro- ménagers électroni.équip. inform. | 0.001421431937959335 | 0 | 0.005448294166702585 | 0.012066580532481627 | 0.007920838660978586 | 0.028981303394792653 | - | 0.019899135131356657 | 0 | 0.008942167016850923 Matériaux de construction | 0 | 0.0007909108985736603 | 0 | 0.013419371111020493 | 0.010767856236208502 | 0 | - | 0.0013963510817141887 | 0 | 0.007048720146631811 Autres | 0.004430124053513719 | 0.18139298051526967 | 0.004544375014069205 | 0.043078538580007875 | 0.033029895860549954 | 0.010567782370680021 | - | 0 | 0.00013656429727610894 | 0.027346707781123906 S-Total | 0.009235768830331541 | 0.18667610556905953 | 0.044021735242080196 | 0.14763799626785418 | 0.15913054887525563 | 0.08973164424774295 | - | 0.021295486213070845 | 0.0020155983627017406 | 0.10446036830645103 [Secteur d'activité juin 16 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 907807 | 611694.1249 | 1189736 | 7495598.522 | 6742693.4399999995 | 1491222.263 | 976.35 | 219335.64534000002 | 45548 | 18704611.34524 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1991936 | 179254.61589000002 | 327312 | 4741883.791999999 | 2581840.88 | 2760512.232 | 317525.88 | 328.07344 | 1126041 | 14026634.47333 Industries Manufacturières ( 200 à 290 ) | 1106771 | 9533.358090000002 | 744969 | 4372594.526000001 | 4612970.440000001 | 1153180.75 | 0 | 522258.92915 | 332456 | 12854734.003240002 Prêts aux Particuliers ( 1560 ) | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2074807 | 343651.96647000004 | 1119900 | 1252925.803 | 6278198.949999999 | 474004.129 | 3595215.94 | 0 | 819907 | 15958610.788469998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1863997 | 152884.53365 | 94356 | 210341.70299999998 | 862475.58 | 35946.483 | 0 | 266599.47722 | 238979 | 3725579.77687 Bâtiments et Travaux Publics ( 600 ) | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 Électricité, Gaz et Eau ( 300 à 500 ) | 308289 | 7812.9420900000005 | 617910 | 1142901.6779999998 | 214205.55 | 110268.089 | 0 | 78439.51105 | 0 | 2479826.7701399997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7641.554 | 813700.8 | 2003.886 | 0 | 0 | 0 | 823346.2400000001 Total | 12151127 | 1584348.5938300004 | 5730601 | 23979083.322 | 24119833.540000003 | 6576308.7809999995 | 4129516.06 | 1094556.1471 | 3529473 | 82894847.44392999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07470969565209877 | 0.3860855668267374 | 0.20761103416552645 | 0.3125890352582011 | 0.27954975015967704 | 0.22675672822851292 | 0.00023643206269550142 | 0.20038775162071357 | 0.012905042764174708 | 0.2256426294516289 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1639301440928072 | 0.1131408937326541 | 0.05711652233334689 | 0.197750836774043 | 0.10704223458749457 | 0.41976621292107785 | 0.07689178959144186 | 0.00029973194236697923 | 0.31903941466615554 | 0.16920996787909653 Industries Manufacturières ( 200 à 290 ) | 0.09108381469471927 | 0.006017209929131875 | 0.12999840679886804 | 0.1823503620752797 | 0.19125216732320785 | 0.17535380232323067 | 0 | 0.4771422010042266 | 0.09419423239673458 | 0.1550727747214317 Prêts aux Particuliers ( 1560 ) | 0.2353981651249304 | 0.1112105291008361 | 0.17561473918704165 | 0.076420063535905 | 0.06033165517443284 | 0.034483154236184886 | 0.0522574284406585 | 0.006938438854983797 | 0.1764147225378973 | 0.10137439571240013 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17075016992251008 | 0.21690426450864367 | 0.19542452877106606 | 0.05225077982236639 | 0.26029196841629604 | 0.07207753540549575 | 0.8706143499052041 | 0 | 0.23230295287710093 | 0.19251631772727962 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.15340116188399644 | 0.09649677744240445 | 0.016465288719280928 | 0.008771882568464099 | 0.03575794080708236 | 0.005466057661990431 | 0 | 0.2435685715404814 | 0.0677095419061146 | 0.04494344210464926 Bâtiments et Travaux Publics ( 600 ) | 0.08535562174603228 | 0.06521343077045472 | 0.10994309322879049 | 0.1218859217324004 | 0.023157639917941158 | 0.04902432196180662 | 0 | 0 | 0.09743409285182235 | 0.0713927241779773 Électricité, Gaz et Eau ( 300 à 500 ) | 0.025371226882905593 | 0.004931327689137536 | 0.1078263867960795 | 0.047662442415028684 | 0.008880888404340122 | 0.016767474379941225 | 0 | 0.07166330503722773 | 0 | 0.0299153306460616 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00031867581831158373 | 0.033735755209527866 | 0.00030471288175968025 | 0 | 0 | 0 | 0.00993241757947514 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 [Secteur d'activité mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 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 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 200 | Industrie alimentaire | 363609 | 5780 | 225599 | 423391.53 | 1558843.45 | 134810.04 | 20812.35 | 260667.81 | 160516 | 3154029.18 210 | Industrie des boissons | 1263 | 0 | 3173 | 879171.91 | 2799602.62 | 141517.82 | 0 | 244944.87 | 72183 | 4141856.22 220 | Industrie du bois | 18147 | 73.09 | 6778 | 922.01 | 0 | 0 | 0 | 0 | 0 | 25920.1 230 | Industrie chimique | 0 | 0 | 24318 | 289241.07 | 120456.73 | 91586.99 | 0 | 168523.45 | 0 | 694126.24 240 | Industrie du textile | 257038 | 0 | 229610 | 785562.47 | 127295.25 | 208975.28 | 0 | 0 | 11297 | 1619778 250 | Industrie pharmacie | 0 | 0 | 5461 | 9953.67 | 15734.84 | 18932.1 | 0 | 0 | 0 | 50081.61 260 | Imprimerie, édition | 38925 | 0 | 5151 | 119644.15 | 104728.4 | 36258.7 | 0 | 0 | 3756 | 308463.25 270 | Sidérurgie, aciérie | 376194 | 0 | 152569 | 479243.92 | 87281.38 | 224211.46 | 0 | 0 | 49833 | 1369332.7599999998 280 | Industrie de la fabrication | 63239 | 3791.36 | 109529 | 989786.37 | 472275.93 | 133043.64 | 0 | 28565.25 | 7040 | 1807270.5499999998 290 | Autres industries | 0 | 0 | 18 | 125365.32 | 330482.27 | 61524.52 | 0 | 0 | 0 | 517390.11000000004 300 | Production et distribution de l'électricité | 187454 | 0 | 321352 | 1026916.69 | 0 | 543.19 | 0 | 50974.24 | 0 | 1587240.1199999999 400 | Production et distribution de gaz | 0 | 0 | 1892 | 2421.97 | 170699.76 | 110172.77 | 0 | 0 | 0 | 285186.5 500 | Traitement et distribution de l'eau | 0 | 7180.02 | 264189 | 53100.51 | 43672.86 | 969.91 | 0 | 0 | 0 | 369112.3 600 | Entrep/ batiment et corps/ métiers corresp. | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 700 | Commerce de gros(1) | 821812 | 217564.7 | 730946 | 3852704.81 | 3017367.2 | 792702.91 | 0 | 30881.35 | 46575 | 9510553.97 800 | Commerce de détail(2) | 99883 | 302043.19 | 243896 | 3408913.06 | 3933454.77 | 622140.35 | 1082.05 | 189544.27 | 6659 | 8807615.69 900 | Rest/débits/boissons, casinos/activités/loterie | 94513 | 0 | 7214 | 24878.16 | 21163.37 | 20981.93 | 0 | 0 | 161 | 168911.46 1000 | Hotels,motels et pensions | 355891 | 0 | 6691 | 1393462.51 | 306445.68 | 771254.99 | 319008.65 | 0 | 0 | 3152753.8299999996 1100 | Transport | 103700 | 132182.39 | 61225 | 66564.67 | 655292.14 | 32292.09 | 0 | 0 | 0 | 1051256.29 1200 | Immobilier résidentiel / Avance Hypothécaire | 1331300 | 270168.75 | 754087 | 305844.46 | 1493239.23 | 412769.92 | 2422473.81 | 0 | 788369 | 7778252.17 1300 | Immobilier commercial | 668182 | 45893.09 | 201637 | 893800.24 | 4438249.79 | 65341.5 | 969314.73 | 0 | 27081 | 7309499.35 1400 | Télécommunications | 369355 | 0 | 2435 | 151077.08 | 215303.74 | 839.17 | 0 | 0 | 256285 | 995294.99 1500 | Services financiers | 81362 | 38293.52 | 114378 | 1354371.13 | 2041172.24 | 1160405.61 | 0 | 281192.43 | 858112 | 5929286.93 1510 | Services professionnels | 913678 | 26072.68 | 62168 | 603160.52 | 174172.16 | 141931.7 | 0 | 0 | 73112 | 1994295.06 1520 | Services médicaux | 0 | 1219.36 | 3698 | 44442.05 | 46318.54 | 47531.99 | 0 | 0 | 939 | 144148.94 1530 | Services d'agence ou de représentation | 2110 | 0 | 12 | 18472.21 | 19970.68 | 344.09 | 0 | 0 | 0 | 40908.979999999996 1540 | Services d'enseignement | 24593 | 0 | 10443 | 149075.27 | 8588.1 | 19487.46 | 0 | 0 | 6718 | 218904.83 1550 | Autres services | 512446 | 19220.33 | 6417 | 1250820.03 | 280616.13 | 442721.39 | 7304.25 | 398.01 | 12433 | 2532376.1399999997 1560 | Crédit à la consommation | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001 Total | 10256256 | 1374957.6700000004 | 4934301 | 23460076.459999997 | 24724128.809999995 | 6224453.19 | 4023425.87 | 1255691.68 | 3356708 | 79609998.67999999 (1) Commerce de gros Import-export | 6340 | 38054.27 | 615322 | 1013451.29 | 1092040.13 | 131995.97 | 0 | 0 | 0 | 2897203.66 Produits pétroliers | 131296 | 0 | 0 | 4670.92 | 0 | 38365.77 | 0 | 0 | 0 | 174332.69 Produits pharmaceutiques | 0 | 361831.67 | 818 | 142728.77 | 103855.15 | 8439.78 | 0 | 0 | 0 | 617673.37 Produits alimentaires | 453310 | 19529.46 | 104060 | 1709064.88 | 795472.08 | 301592.62 | 0 | 30881.35 | 8163 | 3422073.39 Matériaux de construction | 0 | 102712.05 | 0 | 132925.07 | 442221.27 | 301746.77 | 0 | 0 | 38412 | 1018017.16 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 230866 | 56907.08 | 10747 | 849863.89 | 583778.57 | 10561.99 | 0 | 0 | 0 | 1742724.53 S-Total | 821812 | 579034.53 | 730947 | 3852704.82 | 3017367.1999999997 | 792702.9 | - | 30881.35 | 46575 | 9872024.8 (2) Commerce de détail Produits pétroliers | 24735 | 7377.75 | 10163 | 127490.4 | 107468.31 | 19201.6 | 0 | 0 | 0 | 296436.05999999994 Produits pharmaceutiques | 0 | 0 | 9 | 7247.89 | 1126.56 | 20093.68 | 0 | 0 | 404 | 28881.13 Véhicules automobiles | 0 | 0 | 17818 | 900755.18 | 2012361.65 | 116969.86 | 0 | 129869.19 | 0 | 3177773.88 Produits alimentaires | 1000 | 0 | 130023 | 874961.29 | 520056.46 | 182744.22 | 0 | 0 | 3699 | 1712483.97 Librairie ,papeterie | 1406 | 0 | 15 | 44350.33 | 17843.59 | 11990 | 0 | 0 | 781 | 76385.92 Appareils électro- ménagers électroni.équip. inform. | 16818 | 0 | 30829 | 310385.51 | 209406.61 | 210262.96 | 0 | 0 | 0 | 777702.08 Matériaux de construction | 0 | 1340.08 | 0 | 359534.19 | 538218.27 | 141.18 | 0 | 0 | 0 | 899233.7200000001 Autres | 55923 | 280046.38 | 54918 | 784188.28 | 526973.31 | 60736.85 | 0 | 59675.08 | 1775 | 1824235.9000000004 S-Total | 99882 | 288764.21 | 243775 | 3408913.0700000003 | 3933454.76 | 622140.35 | - | 189544.27000000002 | 6659 | 8793132.66 [Secteur d'activité mars 16 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2016 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 | 0.0003211698824957709 | 0.003536388306011257 | 0.0003213133650379335 | 0 | 0 | 0 | 0.0012180478785055043 200 | Industrie alimentaire | 0.03545241070425699 | 0.0042037657784766555 | 0.04572055900116349 | 0.01804732097620794 | 0.06304947939639861 | 0.02165813379664921 | 0.005172793204712381 | 0.20758902376417754 | 0.047819470743359266 | 0.039618505618596006 210 | Industrie des boissons | 0.00012314435209105545 | 0 | 0.0006430495423769243 | 0.0374752363445622 | 0.11323362054592048 | 0.022735783478516288 | - | 0.1950676857236165 | 0.021504104616785254 | 0.052026834426270846 220 | Industrie du bois | 0.0017693591111610318 | 5.315800012956034e-05 | 0.0013736494794298118 | 3.930123593467607e-05 | 0 | 0 | - | 0 | 0 | 0.0003255884993063286 230 | Industrie chimique | 0 | 0 | 0.00492835763363443 | 0.012329076185798588 | 0.004872031323153426 | 0.014714061975297786 | - | 0.13420766632777245 | 0 | 0.00871908367678923 240 | Industrie du textile | 0.02506158192619217 | 0 | 0.04653344009617573 | 0.033485077141133926 | 0.005148624284327211 | 0.033573275213272184 | - | 0 | 0.003365499769416941 | 0.02034641410447515 250 | Industrie pharmacie | 0 | 0 | 0.0011067423734385073 | 0.0004242812258933278 | 0.0006364163575153289 | 0.0030415683791173305 | - | 0 | 0 | 0.0006290869341840819 260 | Imprimerie, édition | 0.0037952445804784905 | 0 | 0.0010439168587404782 | 0.0050999045209420436 | 0.004235878271174563 | 0.00582520245445046 | - | 0 | 0.0011189534508214596 | 0.003874679752726759 270 | Sidérurgie, aciérie | 0.03667946665917855 | 0 | 0.03092008371601165 | 0.020428063003849223 | 0.003530210535252426 | 0.03602106934633401 | - | 0 | 0.014845795344724654 | 0.0172005122811792 280 | Industrie de la fabrication | 0.006165895235064335 | 0.0027574376162431235 | 0.022197470320517537 | 0.042190244847991436 | 0.019101822904634837 | 0.02137434983264771 | - | 0.022748617718005428 | 0.00209729294296674 | 0.022701552317121582 290 | Autres industries | 0 | 0 | 3.6479331114984677e-06 | 0.005343772865094917 | 0.013366791304951144 | 0.00988432527677182 | - | 0 | 0 | 0.006499059396793851 300 | Production et distribution de l'électricité | 0.018277039886679895 | 0 | 0.06512614451368086 | 0.04377294727708658 | 0 | 8.726710337747756e-05 | - | 0.04059455104456852 | 0 | 0.019937698107244838 400 | Production et distribution de gaz | 0 | 0 | 0.0003834383026086167 | 0.00010323794145042612 | 0.006904176940340089 | 0.017699991732125147 | - | 0 | 0 | 0.003582294997219312 500 | Traitement et distribution de l'eau | 0 | 0.00522199348871591 | 0.053541322266314924 | 0.0022634414721766855 | 0.0017664064257073417 | 0.00015582252294197104 | - | 0 | 0 | 0.004636506797138412 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07584395319305602 | 0.10838405665244949 | 0.09503858803911638 | 0.1272403679114011 | 0.022512437719337385 | 0.05105111891764423 | - | 0 | 0.1087377871414493 | 0.07059770196192648 700 | Commerce de gros(1) | 0.08012787512324185 | 0.15823374402500692 | 0.14813567311763104 | 0.16422388122088843 | 0.12204139620804705 | 0.1273530197437311 | - | 0.024593099159500684 | 0.013875201536743738 | 0.11946431513243183 800 | Commerce de détail(2) | 0.009738738970634118 | 0.2196745373259381 | 0.04942868300900168 | 0.14530698848370252 | 0.1590937662648426 | 0.09995100469218886 | 0.00026893747640987354 | 0.15094809738645398 | 0.001983788878865841 | 0.1106345413395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.009215156095947682 | 0 | 0.0014620105259083303 | 0.001060446671707054 | 0.0008559804134105708 | 0.0033708872666451846 | - | 0 | 4.796365963318823e-05 | 0.0021217367516730627 1000 | Hotels,motels et pensions | 0.03469989438641157 | 0 | 0.001356017802724236 | 0.05939718535768149 | 0.012394599718961749 | 0.12390726806959888 | 0.0792878159825522 | 0 | 0 | 0.039602485645965094 1100 | Transport | 0.010110902067967102 | 0.09613560685108218 | 0.01240803915286076 | 0.0028373594652811294 | 0.026504154910200865 | 0.005187940051003902 | - | 0 | 0 | 0.013205078601063985 1200 | Immobilier résidentiel | 0.1298037022476818 | 0.19649241274460466 | 0.1528254964583636 | 0.01303680576324942 | 0.06039603018877818 | 0.06631424599081931 | 0.6020923184052599 | 0 | 0.23486374149911163 | 0.09770446299422048 1300 | Immobilier commercial | 0.06514872483682155 | 0.03337782027864173 | 0.04086434937795647 | 0.0380987777905989 | 0.17951086665609395 | 0.010497548620813067 | 0.2409177554947719 | 0 | 0.00806772587904578 | 0.09181634808689336 1400 | Télécommunications | 0.03601265413031812 | 0 | 0.0004934842848054871 | 0.0064397522428194165 | 0.008708243742562835 | 0.00013481826826944134 | - | 0 | 0.0763501025409419 | 0.0125021354918078 1500 | Services financiers | 0.007932914311031238 | 0.02785069012342757 | 0.023180182968165097 | 0.05773089155567058 | 0.08255790348311166 | 0.186426915678998 | - | 0.22393429412544966 | 0.25564094344816407 | 0.07447917382630963 1510 | Services professionnels | 0.08908494483757036 | 0.018962532861102548 | 0.012599150315313152 | 0.02571008329953244 | 0.007044622738316822 | 0.022802276066277237 | 0 | 0 | 0.021780863870196635 | 0.0250508113687611 1520 | Services médicaux | 0 | 0.0008868345743327498 | 0.0007494475914622963 | 0.0018943693587603937 | 0.0018734144428686954 | 0.007636331826924703 | 0 | 0 | 0.0002797383627053649 | 0.001810688888206373 1530 | Services d'agence ou de représentation | 0.00020572809415053602 | 0 | 2.431955407665645e-06 | 0.0007873891643744456 | 0.0008077404932432887 | 5.528035788795127e-05 | 0 | 0 | 0 | 0.0005138673618679176 1540 | Services d'enseignement | 0.0023978535637175983 | 0 | 0.0021164091935210274 | 0.006354423876417324 | 0.00034735703190991434 | 0.003130790674321064 | 0 | 0 | 0.0020013656237003637 | 0.0027497152823718653 1550 | Autres services | 0.04996423646211639 | 0.013978852163499693 | 0.0013004881542492037 | 0.05331696305988937 | 0.011349889500919488 | 0.07112614979758568 | 0.0018154304903348448 | 0.00031696475045530286 | 0.0037039265852138463 | 0.0318097749276335 1560 | Crédit à la consommation | 0.27238857922423154 | 0.11378655751634882 | 0.18451772601630909 | 0.07524123985740838 | 0.06461974989200844 | 0.03396223950075203 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181654 Total | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 (1) Commerce de gros Import-export | 0.0006181592971158286 | 0.027676684766593566 | 0.12470297211297 | 0.04319897642822943 | 0.04416900342139902 | 0.02120603464607306 | - | 0 | 0 | 0.03639245959098163 Produits pétroliers | 0.012801552535350131 | 0 | 0 | 0.0001991008003730948 | 0 | 0.0061637173304856996 | - | 0 | 0 | 0.002189834102381372 Produits pharmaceutiques | 0 | 0.2631584069057194 | 0 | 0.006083900461422452 | 0.004200558523137706 | 0.0013559070559899255 | - | 0 | 0 | 0.0077587411159595315 Produits alimentaires | 0.04419838974378175 | 0.014203680903136453 | 0.02108910664347392 | 0.07284992795799268 | 0.03217391747604312 | 0.048452869801403384 | - | 0.024593099159500684 | 0.002431846916681463 | 0.04298547226153528 Matériaux de construction | 0 | 0.07470197246145037 | 0 | 0.005666011797814918 | 0.017886222539867123 | 0.04847763502901369 | - | 0 | 0.011443354620062275 | 0.01278755403692465 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.022509773546994148 | 0.04138824142855248 | 0.002178018730515224 | 0.036225964201311904 | 0.023611694247600064 | 0.0016968542741985018 | - | 0 | 0 | 0.021890774511943507 S-Total | 0.08012787512324185 | 0.42112898646545227 | 0.14797009748695916 | 0.1642238816471445 | 0.12204139620804705 | 0.12735301813716426 | - | 0.024593099159500684 | 0.013875201536743738 | 0.12400483561972597 (2) Commerce de détail Produits pétroliers | 0.0024116987719495302 | 0.00536580155227615 | 0.0020596635673421626 | 0.00543435569007519 | 0.0043466975449720615 | 0.003084865355056192 | - | 0 | 0 | 0.003723603377906751 Produits pharmaceutiques | 0 | 0 | 1.8239665557492338e-06 | 0.0003089457109126575 | 4.556520509407588e-05 | 0.003228183968397712 | - | 0 | 0.0001203560154770686 | 0.0003627826966319955 Véhicules automobiles | 0 | 0 | 0.0036110484544822053 | 0.038395236329933094 | 0.08139262117037968 | 0.01879198966230799 | - | 0.10342442501490494 | 0 | 0.0399167684045991 Produits alimentaires | 9.750146642205499e-05 | 0 | 0.02635084483090918 | 0.037295756111103494 | 0.0210343694613683 | 0.029359080134716217 | - | 0 | 0.0011019725278457347 | 0.02151091569393806 Librairie ,papeterie | 0.00013708706178940932 | 0 | 3.039944259582056e-06 | 0.001890459738083906 | 0.0007217075326343927 | 0.0019262736234024116 | - | 0 | 0.00023266843586037273 | 0.0009595015860638374 Appareils électro- ménagers électroni.équip. inform. | 0.0016397796622861208 | 0 | 0.006247896105243681 | 0.013230370776037958 | 0.008469726541600235 | 0.033780149610218205 | - | 0 | 0 | 0.009768899546475912 Matériaux de construction | 0 | 0.0009746336409032865 | 0 | 0.01532536309559837 | 0.021768947821623977 | 0 | - | 0 | 0 | 0.011295487186409285 Autres | 0.005452574506720581 | 0.2036763648149255 | 0.011129843923181825 | 0.03342650145821392 | 0.021314130582706675 | 0.009757780827652107 | - | 0.047523672371549044 | 0.0005287918996826653 | 0.022914658086262394 S-Total | 0.009738641469167697 | 0.2100168000081049 | 0.04940416079197438 | 0.1453069889099586 | 0.1590937658603794 | 0.09992832318175084 | - | 0.15094809738645398 | 0.0019837888788658414 | 0.11045261657828734 [Secteur d'activité mars 16 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 921695 | 519607.89 | 974842 | 7261617.87 | 6950821.970000001 | 1414843.26 | 1082.05 | 220425.62 | 53234 | 18318169.660000004 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1984593 | 84805.89 | 211021 | 4838681.88 | 2898446.9000000004 | 2604659.16 | 326312.9 | 281590.44 | 951475 | 14181586.17 Industries Manufacturières ( 200 à 290 ) | 1118415 | 9644.45 | 762206 | 4102282.42 | 5616700.870000001 | 1050860.5499999998 | 20812.35 | 702701.38 | 304625 | 13688248.020000003 Prêts aux Particuliers ( 1560 ) | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1999482 | 316061.83999999997 | 955724 | 1199644.7 | 5931489.02 | 478111.42 | 3391788.54 | 0 | 815450 | 15087751.52 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 473055 | 132182.39 | 63660 | 217641.75 | 870595.88 | 33131.26 | 0 | 0 | 256285 | 2046551.28 Bâtiments et Travaux Publics ( 600 ) | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 Électricité, Gaz et Eau ( 300 à 500 ) | 187454 | 7180.02 | 587433 | 1082439.17 | 214372.62 | 111685.87000000001 | 0 | 50974.24 | 0 | 2241538.9200000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 Total | 10256256 | 1374957.6700000002 | 4934301 | 23460076.46 | 24724128.810000002 | 6224453.1899999995 | 4023425.87 | 1255691.68 | 3356708 | 79609998.68 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08986661409387597 | 0.3779082813509451 | 0.19756435612663273 | 0.30953086970459087 | 0.28113516247288955 | 0.22730402443592 | 0.00026893747640987354 | 0.17554119654595465 | 0.015858990415609578 | 0.23009885647193182 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.19350072775094537 | 0.06167890972236257 | 0.042766138506751004 | 0.20625175234403306 | 0.11723150782274216 | 0.41845589973823877 | 0.08110324647288705 | 0.22425125887590497 | 0.2834548015496135 | 0.17813825405278852 Industries Manufacturières ( 200 à 290 ) | 0.10904710256842264 | 0.007014361394849341 | 0.15447091695460005 | 0.17486227834740825 | 0.227174874923328 | 0.1688277697530568 | 0.005172793204712381 | 0.5596129935335719 | 0.09075111686807431 | 0.17194131700744303 Prêts aux Particuliers ( 1560 ) | 0.27238857922423154 | 0.11378655751634885 | 0.18451772601630909 | 0.07524123985740837 | 0.06461974989200843 | 0.033962239500752035 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181653 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19495242708450336 | 0.2298702330232464 | 0.19368984583632007 | 0.05113558355384831 | 0.23990689684487204 | 0.07681179461163239 | 0.8430100739000318 | 0 | 0.2429314673781574 | 0.1895208110811138 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.046123556198285225 | 0.09613560685108219 | 0.012901523437666247 | 0.009277111708100545 | 0.03521239865276369 | 0.005322758319273344 | 0 | 0 | 0.0763501025409419 | 0.025707214092871782 Bâtiments et Travaux Publics ( 600 ) | 0.07584395319305602 | 0.1083840566524495 | 0.09503858803911638 | 0.12724036791140106 | 0.022512437719337378 | 0.05105111891764424 | 0 | 0 | 0.1087377871414493 | 0.07059770196192647 Électricité, Gaz et Eau ( 300 à 500 ) | 0.018277039886679895 | 0.005221993488715911 | 0.11905090508260441 | 0.04613962669071369 | 0.008670583366047428 | 0.0179430813584446 | 0 | 0.04059455104456852 | 0 | 0.028156499901602565 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00032116988249577085 | 0.003536388306011256 | 0.0003213133650379336 | 0 | 0 | 0 | 0.0012180478785055041 Total | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité décembre 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 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 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904 200 | Industrie alimentaire | 268686 | 6301.91 | 67422.95 | 237927.936 | 1455113.3 | 146509.16 | 22240.2 | 263703.94571 | 164449 | 2632354.4017100004 210 | Industrie des boissons | 1341 | 0 | 3224.62 | 874619.092 | 2647731.17 | 109587.606 | 0 | 257844.48585 | 75237 | 3969584.9738499997 220 | Industrie du bois | 12614 | 127.92 | 13891.09 | 1479.074 | 0 | 0 | 0 | 0 | 0 | 28112.084000000003 230 | Industrie chimique | 0 | 0 | 24000.33 | 307906.017 | 72731.59 | 91660.408 | 0 | 200261.53 | 0 | 696559.875 240 | Industrie du textile | 251727 | 0 | 223463.39 | 770516.697 | 131861.81 | 213049.294 | 0 | 0 | 9975 | 1600593.191 250 | Industrie pharmacie | 0 | 0 | 12830.58 | 2673.794 | 7597.47 | 18836.878 | 0 | 0 | 0 | 41938.722 260 | Imprimerie, édition | 19084 | 0 | 975.54 | 80107.091 | 53043.65 | 34688.161 | 0 | 0 | 0 | 187898.44199999998 270 | Sidérurgie, aciérie | 376194 | 0 | 160304.46 | 488485.061 | 313486.87 | 217668.187 | 0 | 0 | 48923 | 1605061.5779999997 280 | Industrie de la fabrication | 64539 | 3800.13 | 94118.93 | 1009263.273 | 506549.97 | 101715.323 | 0 | 0 | 7710 | 1787696.6260000002 290 | Autres industries | 0 | 0 | 1.13 | 111221.785 | 118141.7 | 55969.27 | 0 | 0 | 2179 | 287512.885 300 | Production et distribution de l'électricité | 209203 | 0 | 342646.22 | 1059696.588 | 108.77 | 375.153 | 0 | 48389.528770000004 | 0 | 1660419.25977 400 | Production et distribution de gaz | 0 | 300.19 | 2369.32 | 2426.681 | 287140.01 | 104749.459 | 0 | 0 | 0 | 396985.66000000003 500 | Traitement et distribution de l'eau | 0 | 8267.16 | 10062.98 | 249257.269 | 38705.94 | 0 | 0 | 0 | 0 | 306293.349 600 | Entrep/ batiment et corps/ métiers corresp. | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538 700 | Commerce de gros(1) | 840149 | 217749.08 | 544821.78 | 4175451.036 | 3464810.46 | 614629.179 | 1603.52 | 81190.84998999999 | 42841 | 9983245.904989997 800 | Commerce de détail(2) | 119950 | 297332.58 | 281496.41 | 2958113.836 | 3647202.55 | 625702.641 | 2373.39 | 282192.93239 | 7705 | 8222069.339389999 900 | Rest/débits/boissons, casinos/activités/loterie | 88073 | 0 | 7593.02 | 27182.119 | 20982.13 | 19016.491 | 0 | 0 | 4987 | 167833.76 1000 | Hotels,motels et pensions | 324710 | 0 | 7730.43 | 1328495.867 | 295275.98 | 734325.606 | 315287.95 | 0 | 0 | 3005825.833 1100 | Transport | 107809 | 133438.64 | 69437.82 | 68874.922 | 732263.4 | 36073.766 | 0 | 1.29836 | 0 | 1147898.84636 1200 | Immobilier résidentiel / Avance Hypothécaire | 1268052 | 264142.57 | 667063.53 | 306539.308 | 1324510.62 | 402425.232 | 2092504.71 | 0 | 791413 | 7116650.970000001 1300 | Immobilier commercial | 630863 | 46347.81 | 191571.72 | 849703.248 | 4268949.98 | 66598.942 | 999775.3 | 0 | 28472 | 7082282 1400 | Télécommunications | 404856 | 0 | 3317.47 | 155312.228 | 271563.41 | 2779.951 | 0 | 45357.6 | 312059 | 1195245.659 1500 | Services financiers | 80840 | 48572.15 | 43459.73 | 1464141.103 | 2288194.65 | 1073597.169 | 0 | 209976.37103 | 712963 | 5921744.17303 1510 | Services professionnels | 864080 | 25390.03 | 26748.73 | 567305.593 | 168236.05 | 131263.918 | 0 | 0.8425199999999999 | 76416 | 1859441.1635200002 1520 | Services médicaux | 2785 | 1242.63 | 3.18 | 42862.455 | 44309.81 | 47270.459 | 0 | 0 | 1092 | 139565.53399999999 1530 | Services d'agence ou de représentation | 1538 | 0 | 4660.47 | 19798.56 | 29298.46 | 111.483 | 0 | 0 | 0 | 55406.973000000005 1540 | Services d'enseignement | 23413 | 0 | 10705.16 | 159901.115 | 11460.99 | 20419.925 | 0 | 0 | 6074 | 231974.18999999997 1550 | Autres services | 768043 | 45754.98 | 5355.98 | 1403108.441 | 173076.06 | 410364.78 | 0 | 27948.04322 | 13886 | 2847537.2842200003 1560 | Crédit à la consommation | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531 Total | 10472517 | 1407363.63 | 4296729.98 | 23091310.062999997 | 24629665.839999996 | 5843261.914999999 | 3897485.14 | 1420702.08284 | 3283751 | 78342786.65084 (1) Commerce de gros Import-export | 2137 | 43096.41 | 482665.7 | 954480.852 | 1456099.03 | 147468 | 0 | 0 | 0 | 3085946.9919999996 Produits pétroliers | 150798 | 0 | 0 | 3803.572 | 0 | 34605 | 0 | 0 | 0 | 189206.572 Produits pharmaceutiques | 0 | 361.83 | 36.56 | 131605.165 | 104828.75 | 2648 | 0 | 0 | 0 | 239480.30500000002 Produits alimentaires | 454433 | 19572.7 | 50897.8 | 1824038.656 | 861384.86 | 256308 | 0 | 81191.84998999999 | 10101 | 3557927.86599 Matériaux de construction | 0 | 95106.94 | 10827.02 | 190420.123 | 582821.6 | 163552 | 0 | 0 | 32740 | 1075467.683 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 232780 | 59611.2 | 428.21 | 1071102.668 | 459676.23 | 10048 | 0 | 0 | 0 | 1833646.3080000002 S-Total | 840148 | 217749.08000000002 | 544855.29 | 4175451.0360000003 | 3464810.47 | 614629 | - | 81191.84998999999 | 42841 | 9981675.725990001 (2) Commerce de détail Produits pétroliers | 27275 | 7647.25 | 8240.14707 | 131358.737 | 105119.25 | 6215 | 0 | 0 | 0 | 285855.38407000003 Produits pharmaceutiques | 0 | 0 | 20.93805 | 13338.551 | 1261.87 | 16951 | 0 | 0 | 440 | 32012.35905 Véhicules automobiles | 9608 | 0 | 23921.26184 | 858223.614 | 1849649.65 | 118997 | 0 | 93609.86793000001 | 0 | 2954009.39377 Produits alimentaires | 0 | 0 | 165981.65627 | 727617.648 | 559526.3 | 200836 | 0 | 0 | 4020 | 1657981.60427 Librairie ,papeterie | 1422 | 0 | 0 | 56487.759 | 23831.83 | 11008 | 0 | 0 | 904 | 93653.589 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 28495.04417 | 289395.635 | 200453.33 | 214205 | 0 | 0 | 0 | 732549.00917 Matériaux de construction | 16440 | 1295.69 | 52466.45965999999 | 327522.232 | 424789.19 | 147 | 0 | 0 | 0 | 822660.57166 Autres | 65205 | 288389.63 | 2370.9033999999997 | 554169.661 | 482571.14 | 57343 | 0 | 188583.06446 | 2341 | 1640973.39886 S-Total | 119950 | 297332.57 | 281496.41046 | 2958113.837 | 3647202.5600000005 | 625702 | - | 282192.93239 | 7705 | 8219695.309849999 [Secteur d'activité décem 15 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2015 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 | 1.000761048521834e-06 | 0.00014262265722537063 | 0.003540294073271114 | 0 | 0 | 0 | 0 | 0.0011551019292090718 200 | Industrie alimentaire | 0.025656296380325763 | 0.00447781217708461 | 0.015691688868938417 | 0.010303786807715173 | 0.05907970126159049 | 0.02507318037959283 | 0.0057062950084782104 | 0.18561523129666477 | 0.05007961931340105 | 0.03360046935070028 210 | Industrie des boissons | 0.00012804944599278283 | 0 | 0.0007504823470429016 | 0.0378765470479491 | 0.10750170900410398 | 0.018754525741637926 | - | 0.18149089028895196 | 0.022911907754272477 | 0.050669438036991726 220 | Industrie du bois | 0.001204485989375811 | 9.089335355355176e-05 | 0.0032329446031421315 | 6.405327354596357e-05 | 0 | 0 | - | 0 | 0 | 0.0003588343637212014 230 | Industrie chimique | 0 | 0 | 0.00558571986410931 | 0.013334280998347011 | 0.0029530075833136033 | 0.015686513685909287 | - | 0.1409595526175867 | 0 | 0.0088911807299432 240 | Industrie du textile | 0.0240369149078488 | 0 | 0.05200778057735897 | 0.033368253897150056 | 0.005353779903333029 | 0.036460678487317134 | - | 0 | 0.003037684647831093 | 0.020430638983185038 250 | Industrie pharmacie | 0 | 0 | 0.002986126673010064 | 0.00011579221762234756 | 0.000308468253258283 | 0.0032236922243113254 | - | 0 | 0 | 0.0005353233372577555 260 | Imprimerie, édition | 0.0018222935326817804 | 0 | 0.00022704242634302094 | 0.0034691444868846294 | 0.002153648788602485 | 0.005936437815829107 | - | 0 | 0 | 0.0023984140727266985 270 | Sidérurgie, aciérie | 0.03592202333020801 | 0 | 0.03730847894705266 | 0.021154497500023458 | 0.012728019618150047 | 0.03725114331110726 | - | 0 | 0.014898510879783515 | 0.020487675338298553 280 | Industrie de la fabrication | 0.006162701860498293 | 0.00270017635740665 | 0.021904781179663515 | 0.04370749300262428 | 0.020566660274267044 | 0.01740728457488629 | - | 0 | 0.002347924675165687 | 0.02281890525502302 290 | Autres industries | 0 | 0 | 2.6299069414643546e-07 | 0.004816607836305248 | 0.004796723624570297 | 0.009578429105894359 | - | 0 | 0.0006635704107893686 | 0.0036699343652580843 300 | Production et distribution de l'électricité | 0.01997638199107244 | 0 | 0.07974581172075419 | 0.04589157501713116 | 4.416219071204419e-06 | 6.420266718439576e-05 | - | 0.034060292692236205 | 0 | 0.02119428387415163 400 | Production et distribution de gaz | 0 | 0.0002132995294187047 | 0.0005514239924380819 | 0.00010509065935970236 | 0.011658299055510047 | 0.017926538382799843 | - | 0 | 0 | 0.005067290518644622 500 | Traitement et distribution de l'eau | 0 | 0.005874217454376024 | 0.0023420089339661037 | 0.010794418693437127 | 0.001571517057983764 | 0 | - | 0 | 0 | 0.003909656039746141 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0743634982879474 | 0.09345613826897033 | 0.13494150498142307 | 0.11215217611882622 | 0.02522909665265682 | 0.0583943814197485 | - | 0 | 0.11444747180891608 | 0.06916096260589047 700 | Commerce de gros(1) | 0.08022417151483259 | 0.1547212641838698 | 0.1267991664675191 | 0.18082347968166904 | 0.14067630809561973 | 0.10518597111353344 | 0.0004114242755008939 | 0.05714839935174765 | 0.013046360701527003 | 0.12743031403112537 800 | Commerce de détail(2) | 0.011453788998385011 | 0.2112691941598633 | 0.0655141028899377 | 0.12810506757431178 | 0.1480816903360797 | 0.10708105337427785 | 0.0006089542139986196 | 0.1986292100212122 | 0.0023464020262194056 | 0.10494992188667368 900 | Rest/débits/boissons, casinos/activités/loterie | 0.008409917119256049 | 0 | 0.00176716247829006 | 0.001177157940620911 | 0.0008519047776086272 | 0.0032544307061067286 | - | 0 | 0.0015186900590209184 | 0.0021423001041309076 1000 | Hotels,motels et pensions | 0.0310059176795798 | 0 | 0.0017991426121685215 | 0.05753228653443508 | 0.01198863118639859 | 0.12567049307082107 | 0.08089522824967076 | 0 | 0 | 0.03836761444798276 1100 | Transport | 0.010294468846410085 | 0.09481461447174105 | 0.016160619895411718 | 0.0029827204178580007 | 0.029730951477659192 | 0.006173566498430699 | - | 0 | 0 | 0.014652259581676397 1200 | Immobilier résidentiel | 0.12108378530204343 | 0.18768608508093962 | 0.15524911574732 | 0.013275093841088667 | 0.053777043854525974 | 0.06886996301961934 | 0.5368858725141925 | 0 | 0.24100883410465654 | 0.0908399008286195 1300 | Immobilier commercial | 0.06023986401740861 | 0.03293236304536305 | 0.04458546869170494 | 0.036797533170779634 | 0.17332553383923624 | 0.011397562349385121 | 0.2565180530746039 | 0 | 0.008670572159703948 | 0.0904012009626934 1400 | Télécommunications | 0.03865890119825062 | 0 | 0.0007720918036371462 | 0.006726003313638845 | 0.011025866601850738 | 0.00047575327624176854 | - | 0.03192618674094545 | 0.09503126150551611 | 0.015256614043191997 1500 | Services financiers | 0.007719252210333008 | 0.03451286431211811 | 0.01011460580541298 | 0.06340658451189583 | 0.09290400709715842 | 0.1837325084203418 | - | 0.14779760905977896 | 0.21711847213750374 | 0.0755876121616936 1510 | Services professionnels | 0.08250929552083802 | 0.018040845634187664 | 0.006225369088704056 | 0.02456792583236814 | 0.006830626574184979 | 0.02246415100152156 | 0 | 0 | 0.023270948375805595 | 0.02373468245145787 1520 | Services médicaux | 0.00026593415890372867 | 0.000882948779911273 | 7.400977056510308e-07 | 0.001856215818117656 | 0.0017990422723494005 | 0.00808973817837156 | 0 | 0 | 0.00033254652986782493 | 0.0017814726788060143 1530 | Services d'agence ou de représentation | 0.00014686058757412378 | 0 | 0.0010846550799545472 | 0.0008574030640090843 | 0.0011895597849491573 | 1.907889833139544e-05 | 0 | 0 | 0 | 0.000707237709668653 1540 | Services d'enseignement | 0.002235661207329623 | 0 | 0.0024914667781846507 | 0.006924731189514235 | 0.000465332744441327 | 0.0034946105954245937 | 0 | 0 | 0.0018497139399424622 | 0.0029610153010495794 1550 | Autres services | 0.07333891174394847 | 0.032511128627077 | 0.0012465246885260402 | 0.060763483629638196 | 0.007027137969485339 | 0.07022871573608046 | - | 0.01967199426084569 | 0.004228700653612287 | 0.036347153400490745 1560 | Crédit à la consommation | 0.28314062416895575 | 0.1258161545641193 | 0.20891270900853767 | 0.07690797326590817 | 0.06288102201877052 | 0.038105395965294504 | 0.11897417266355505 | 0.0026991267531152486 | 0.18319080831646492 | 0.11049259160999203 Total | 1 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999984930830849 | 1 | 1 (1) Commerce de gros Import-export | 0.00020405791654480007 | 0.03062208592103521 | 0.11233326325988956 | 0.041335067148459345 | 0.05911972332305099 | 0.0252372736572771 | - | 0 | 0 | 0.039390314334279704 Produits pétroliers | 0.014399403696360674 | 0 | 0 | 0.00016471876171697138 | 0 | 0.005922205867781986 | - | 0 | 0 | 0.002415111589574422 Produits pharmaceutiques | 0 | 0.0002570977338671172 | 0 | 0.005699337310916608 | 0.004256198629774021 | 0.00045317153988980494 | - | 0 | 0 | 0.0030568264831747887 Produits alimentaires | 0.043392911178850316 | 0.013907351009205775 | 0.01184570597568712 | 0.07899242836476048 | 0.03497346921374229 | 0.04386385613522512 | - | 0.057149103229085535 | 0.0030760554012773805 | 0.04541487503944757 Matériaux de construction | 0 | 0.06757808570056625 | 0.0025198278808295045 | 0.008246397561700786 | 0.023663398593636788 | 0.02798984580515762 | - | 0 | 0.009970305300249623 | 0.013727718006677117 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.02222770323504846 | 0.04235664381919547 | 9.965950897384525e-05 | 0.04638553053411486 | 0.018663518741430074 | 0.001719587474627175 | - | 0 | 0 | 0.023405426158406118 S-Total | 0.08022407602680426 | 0.15472126418386983 | 0.12679845662538 | 0.18082347968166906 | 0.14067630850163415 | 0.10518594047995881 | - | 0.057149103229085535 | 0.013046360701527003 | 0.1274102716115597 (2) Commerce de détail Produits pétroliers | 0.002604435972746571 | 0.005433741384946832 | 0.001917771679476121 | 0.005688665417493165 | 0.004267993349275583 | 0.001063618247890913 | - | 0 | 0 | 0.0036487773321621443 Produits pharmaceutiques | 0 | 0 | 4.873019737675021e-06 | 0.0005776437527194621 | 5.123374422525255e-05 | 0.002900948176990968 | - | 0 | 0.00013399310727274998 | 0.00040861910098594583 Véhicules automobiles | 0.000917448976210781 | 0 | 0.00556731792580552 | 0.03716651899171201 | 0.07509844680864741 | 0.020364823917019305 | - | 0.06588986463852632 | 0 | 0.03770620780870994 Produits alimentaires | 0 | 0 | 0.03862976194515253 | 0.03151045332702396 | 0.022717575773654918 | 0.03437052846877223 | - | 0 | 0.0012242097528101248 | 0.021163168622777385 Librairie ,papeterie | 0.0001357839762876489 | 0 | 0 | 0.002446277792203409 | 0.0009676067127673221 | 0.0018838792715660773 | - | 0 | 0.00027529492948764997 | 0.0011954334662283275 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.00663179773982446 | 0.012532664201833599 | 0.008138694666106765 | 0.03665846287843492 | - | 0 | 0 | 0.009350561046990093 Matériaux de construction | 0.0015698231857728185 | 0.0009206504789384107 | 0.01221078818176049 | 0.014183787368772991 | 0.01724705453819507 | 0 | - | 0 | 0 | 0.010500782609718151 Autres | 0.006226296887367192 | 0.20491479519049388 | 0.0005517925052390654 | 0.023999056765859512 | 0.019593085149221826 | 0.009813525533195273 | - | 0.1327393453826859 | 0.0007129042366488811 | 0.020946068796014742 S-Total | 0.011453788998385011 | 0.21126918705437914 | 0.06551410299699587 | 0.1281050676176181 | 0.14808169074209415 | 0.10705578649386968 | - | 0.1986292100212122 | 0.002346402026219406 | 0.10491961878358672 [Secteur d'activité déc. 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 960099 | 515081.66000000003 | 826318.19 | 7133564.8719999995 | 7112013.01 | 1240331.8199999998 | 3976.91 | 363383.78238 | 50546 | 18205315.244379997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2153482 | 120959.79000000001 | 106256.70000000001 | 5012795.2530000005 | 3030834.13 | 2436369.8310000002 | 315287.95 | 237925.25677 | 815418 | 14229328.910769999 Industries Manufacturières ( 200 à 290 ) | 994185 | 10229.96 | 600233.0199999999 | 3884199.8200000003 | 5306257.529999999 | 989684.287 | 22240.2 | 721809.96156 | 308473 | 12837312.77856 Prêts aux Particuliers ( 1560 ) | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1898915 | 310490.38 | 858635.25 | 1156242.556 | 5593460.600000001 | 469024.174 | 3092280.01 | 0 | 819885 | 14198932.97 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 512665 | 133438.64 | 72755.29000000001 | 224187.15000000002 | 1003826.81 | 38853.717000000004 | 0 | 45358.89836 | 312059 | 2343144.50536 Bâtiments et Travaux Publics ( 600 ) | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538 Électricité, Gaz et Eau ( 300 à 500 ) | 209203 | 8567.35 | 355078.51999999996 | 1311380.5380000002 | 325954.72000000003 | 105124.61200000001 | 0 | 48389.528770000004 | 0 | 2363698.268770001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904 Total | 10472517 | 1407363.6300000004 | 4296729.9799999995 | 23091310.063 | 24629665.84 | 5843261.915 | 3897485.1399999997 | 1420702.0828399998 | 3283751 | 78342786.65084 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0916779605132176 | 0.365990458343733 | 0.19231326935745682 | 0.30892854725598073 | 0.28875799843169936 | 0.21226702448781123 | 0.0010203784894995136 | 0.2557776093729599 | 0.015392762727746409 | 0.23238023591779905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2056317502277628 | 0.08594778735329403 | 0.024729666628946514 | 0.21708578852059912 | 0.12305624240657582 | 0.41695372660699914 | 0.08089522824967077 | 0.16747019635135937 | 0.24831907169575282 | 0.18162908825528012 Industries Manufacturières ( 200 à 290 ) | 0.09493276544693124 | 0.007268881888044809 | 0.13969530847735515 | 0.16821045706816726 | 0.21544171831118922 | 0.16937188532648548 | 0.005706295008478211 | 0.5080656742032035 | 0.09393921768124319 | 0.16386081383310555 Prêts aux Particuliers ( 1560 ) | 0.28314062416895575 | 0.12581615456411926 | 0.20891270900853773 | 0.07690797326590816 | 0.06288102201877052 | 0.0381053959652945 | 0.11897417266355506 | 0.002699126753115249 | 0.18319080831646492 | 0.11049259160999203 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18132364931945205 | 0.2206184481263026 | 0.19983458443902496 | 0.0500726270118683 | 0.2271025776937622 | 0.08026752536900444 | 0.7934039255887965 | 0 | 0.24967940626436047 | 0.1812411017913129 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.04895337004466071 | 0.09481461447174103 | 0.01693271169904887 | 0.009708723731496845 | 0.04075681807950993 | 0.006649319774672467 | 0 | 0.03192710062712588 | 0.09503126150551611 | 0.02990887362486839 Bâtiments et Travaux Publics ( 600 ) | 0.0743634982879474 | 0.0934561382689703 | 0.1349415049814231 | 0.1121521761188262 | 0.025229096652656817 | 0.05839438141974849 | 0 | 0 | 0.11444747180891608 | 0.06916096260589047 Électricité, Gaz et Eau ( 300 à 500 ) | 0.01997638199107244 | 0.006087516983794727 | 0.0826392446471584 | 0.05679108436992798 | 0.013234232332565014 | 0.017990741049984237 | 0 | 0.034060292692236205 | 0 | 0.03017123043254241 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.0007610485218343e-06 | 0.0001426226572253706 | 0.0035402940732711134 | 0 | 0 | 0 | 0 | 0.0011551019292090718 Total | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité septembre 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 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 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001 200 | Industrie alimentaire | 411980 | 6301.91 | 68116.3 | 232336.11 | 1098557.65 | 157519.05 | 40840.1 | 274015.72 | 157926 | 2447592.84 210 | Industrie des boissons | 1386 | 0 | 3.78 | 768839.45 | 2440676.15 | 111255.26 | 0 | 244232.04 | 78291 | 3644683.6799999997 220 | Industrie du bois | 18282 | 261.03 | 25913.28 | 140.59 | 0 | 286.17 | 0 | 0 | 0 | 44883.06999999999 230 | Industrie chimique | 0 | 0 | 24000 | 299506.74 | 79472.34 | 79485.68 | 0 | 244696.17 | 0 | 727160.9299999999 240 | Industrie du textile | 269695 | 0 | 100891.71 | 759474.43 | 123787.13 | 196574.21 | 0 | 0 | 9056 | 1459478.48 250 | Industrie pharmacie | 0 | 0 | 5837.73 | 3090.76 | 10474.48 | 17342.66 | 0 | 0 | 0 | 36745.630000000005 260 | Imprimerie, édition | 9463 | 0 | 5469.25 | 217596.64 | 36907.59 | 28110.6 | 0 | 0 | 4542 | 302089.07999999996 270 | Sidérurgie, aciérie | 376194 | 0 | 38896.11 | 413568.79 | 316381.04 | 211187.78 | 0 | 66560.1 | 49195 | 1471982.82 280 | Industrie de la fabrication | 64909 | 3087.35 | 105408.62 | 999240.37 | 522046.02 | 117177.47 | 0 | 12507.68 | 5605 | 1829981.51 290 | Autres industries | 0 | 0 | 121.02 | 104927.18 | 88820.38 | 52184.21 | 0 | 0 | 854 | 246906.79 300 | Production et distribution de l'électricité | 356730 | 0 | 378988.13 | 1019739.65 | 204.02 | 897.21 | 0 | 126617.72 | 0 | 1883176.73 400 | Production et distribution de gaz | 0 | 0 | 2847.28 | 2587.47 | 374644.65 | 96441.07 | 0 | 0 | 0 | 476520.47000000003 500 | Traitement et distribution de l'eau | 0 | 9430.46 | 9477.34 | 284938.7 | 25848.49 | 0 | 0 | 0 | 0 | 329694.99 600 | Entrep/ batiment et corps/ métiers corresp. | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96 700 | Commerce de gros(1) | 771976 | 136035.79 | 334986.74 | 3758446.95 | 3033083.4 | 546479.22 | 1584.76 | 0 | 23360 | 8605952.860000001 800 | Commerce de détail(2) | 108383 | 359820.93 | 194060.44 | 2651494.27 | 3563570.78 | 575358.98 | 4070.66 | 333537.23 | 9060 | 7799356.290000001 900 | Rest/débits/boissons, casinos/activités/loterie | 81993 | 0 | 11267.53 | 15831.53 | 10986.41 | 18549.26 | 0 | 0 | 7076 | 145703.73 1000 | Hotels,motels et pensions | 277180 | 0 | 8247.69 | 1272988.94 | 291582.24 | 649669.38 | 329073.83 | 0 | 0 | 2828742.08 1100 | Transport | 114998 | 133732.47 | 67596.85 | 65345.86 | 726423.24 | 30940.75 | 0 | 1.15 | 0 | 1139038.3199999998 1200 | Immobilier résidentiel / Avance Hypothécaire | 1222698 | 259232.15 | 566377.35 | 298733.64 | 1122643.48 | 444860.38 | 1961700.44 | 0 | 805461 | 6681706.4399999995 1300 | Immobilier commercial | 600528 | 45374.93 | 237195.85 | 815883.07 | 4157762.83 | 68800.11 | 883362.28 | 0 | 32346 | 6841253.07 1400 | Télécommunications | 420990 | 0 | 3950.35 | 139370.01 | 368107.24 | 1914.25 | 0 | 32109.91 | 310317 | 1276758.76 1500 | Services financiers | 81527 | 11911.46 | 46650.62 | 1555891.64 | 2120374.62 | 992963.09 | 0 | 221620.85 | 653191 | 5684130.279999999 1510 | Services professionnels | 822829 | 24758.89 | 19443.54 | 597221.87 | 171186.55 | 126633.93 | 0 | 0 | 78309 | 1840382.78 1520 | Services médicaux | 2785 | 1253.36 | 1.25 | 47190.19 | 45047.19 | 48788.89 | 0 | 0 | 1246 | 146311.88 1530 | Services d'agence ou de représentation | 1617 | 0 | 4358.76 | 102581.81 | 31209.97 | 121.17 | 0 | 0 | 0 | 139888.71 1540 | Services d'enseignement | 24394 | 0 | 3324.4 | 80254.24 | 9876.91 | 21457.86 | 262.6 | 0 | 5871 | 145441.01000000004 1550 | Autres services | 525228 | 17530.95 | 5684.78 | 1487759.86 | 201465.51 | 403859.81 | 0 | 63300.73 | 15202 | 2720031.64 1560 | Crédit à la consommation | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999 Total | 10251637 | 1373469.1099999999 | 3641461.5 | 22760038.39 | 23212727.060000002 | 5512617.169999999 | 3657584.66 | 1623927.04 | 3421281 | 75454742.92999999 (1) Commerce de gros Import-export | 0 | 42642.02 | 252584.63 | 935331.9 | 1177857.08 | 150857 | 0 | 0 | 0 | 2559272.63 Produits pétroliers | 169686 | 0 | 0 | 4266.03 | 8868.01 | 34721 | 0 | 0 | 0 | 217541.04 Produits pharmaceutiques | 0 | 524.77 | 0.17 | 149945.19 | 104948.74 | 17942 | 0 | 0 | 0 | 273360.87 Produits alimentaires | 289545 | 19760.55 | 62905.91 | 1699202.62 | 875248.03 | 228958 | 0 | 0 | 17785 | 3193405.1100000003 Matériaux de construction | 0 | 0 | 9957.13 | 181410.73 | 405308.95 | 108156 | 0 | 0 | 5575 | 710407.81 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 312745 | 73108.46 | 9538.9 | 788290.48 | 460852.6 | 5844 | 0 | 0 | 0 | 1650379.44 S-Total | 771976 | 136035.8 | 334986.74000000005 | 3758446.95 | 3033083.4100000006 | 546478 | - | 0 | 23360 | 8604366.9 (2) Commerce de détail Produits pétroliers | 26912 | 7881.18 | 911.85 | 117152.94 | 98952.68 | 10308 | 0 | 0 | 0 | 262118.65 Produits pharmaceutiques | 0 | 0 | 593.31 | 8461.62 | 1136.07 | 17933 | 0 | 0 | 642 | 28766 Véhicules automobiles | 18869 | 0 | 9319 | 774669.67 | 1611447.82 | 93100 | 0 | 86955.62 | 0 | 2594361.1100000003 Produits alimentaires | 0 | 0 | 102944.43 | 698361.59 | 552338.86 | 191347 | 0 | 0 | 4240 | 1549231.88 Librairie ,papeterie | 1500 | 0 | 0 | 45134.64 | 23631.03 | 10128 | 0 | 0 | 1028 | 81421.67 Appareils électro- ménagers électroni.équip. inform. | 15119 | 0 | 77460.23 | 273009.17 | 205223.76 | 208260 | 0 | 0 | 0 | 779072.1599999999 Matériaux de construction | 0 | 1303.54 | 0 | 271101.18 | 260423.76 | 1 | 0 | 0 | 0 | 532829.48 Autres | 45984 | 350636.2 | 2831.61 | 463603.47 | 810416.79 | 44283 | 0 | 246581.6 | 3151 | 1967487.6700000002 S-Total | 108384 | 359820.92000000004 | 194060.43 | 2651494.2799999993 | 3563570.7699999996 | 575360 | - | 333537.22 | 9061 | 7795288.620000001 [Secteur d'activité septem 15 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 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 | 1.6724054339171236e-06 | 0.00012386754150813187 | 0.0038194379217415396 | 0 | 0 | 0 | 0 | 0.001212447176248037 200 | Industrie alimentaire | 0.04018675261326557 | 0.0045883157867307265 | 0.018705758663108207 | 0.010208071973291604 | 0.04732566092559742 | 0.028574276998088736 | 0.011165865946080383 | 0.16873647229865693 | 0.04615990326430364 | 0.03243789250293587 210 | Industrie des boissons | 0.00013519792009802922 | 0 | 1.0380447520864905e-06 | 0.03378023520108834 | 0.10514387834274563 | 0.020181931117121275 | - | 0.1503959438965928 | 0.022883533974555146 | 0.04830291030719174 220 | Industrie du bois | 0.0017833249460549568 | 0.0001900515986122178 | 0.007116175744271908 | 6.177054607331882e-06 | 0 | 5.1911821767227865e-05 | - | 0 | 0 | 0.0005948343107024882 230 | Industrie chimique | 0 | 0 | 0.006590760330707876 | 0.013159324903933081 | 0.003423653747988367 | 0.014418864497350904 | - | 0.15068175107177229 | 0 | 0.009637047344718852 240 | Industrie du textile | 0.026307505815900425 | 0 | 0.0277063783318868 | 0.03336876752957006 | 0.005332726727025066 | 0.03565896269194402 | - | 0 | 0.002646961766659915 | 0.01934243525756851 250 | Industrie pharmacie | 0 | 0 | 0.0016031283043909704 | 0.0001357976619827661 | 0.0004512386663111869 | 0.0031459939018402766 | - | 0 | 0 | 0.000486989002587806 260 | Imprimerie, édition | 0.0009230720908280307 | 0 | 0.0015019381641135023 | 0.009560468935571071 | 0.0015899721693449314 | 0.0050993201837014205 | - | 0 | 0.0013275729178632214 | 0.004003579738920462 270 | Sidérurgie, aciérie | 0.03669599303994084 | 0 | 0.010681455783618747 | 0.018170830071258064 | 0.013629636844573313 | 0.03830989410062735 | - | 0.04098712464323521 | 0.014379117061708758 | 0.019508154992530703 280 | Industrie de la fabrication | 0.006331574167130576 | 0.0022478481514593366 | 0.028946789633777534 | 0.04390328139512422 | 0.022489646246674128 | 0.021256232092024634 | - | 0.00770211942526679 | 0.0016382752542103381 | 0.02425270352716846 290 | Autres industries | 0 | 0 | 3.323390896759447e-05 | 0.004610149517414764 | 0.0038263655868790453 | 0.009466322146219345 | - | 0 | 0.00024961410652910417 | 0.003272250098698998 300 | Production et distribution de l'électricité | 0.034797369434754664 | 0 | 0.10407583054221499 | 0.04480395122918771 | 8.789143967128522e-06 | 0.00016275572424703677 | - | 0.07797007924691 | 0 | 0.024957698573660758 400 | Production et distribution de gaz | 0 | 0 | 0.0007819058364340801 | 0.0001136847818823033 | 0.016139622416255644 | 0.01749460683118687 | - | 0 | 0 | 0.006315315002028065 500 | Traitement et distribution de l'eau | 0 | 0.006866160972488125 | 0.002602619854692958 | 0.012519253927321693 | 0.0011135481812708653 | 0 | - | 0 | 0 | 0.0043694402392419635 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05351174646546693 | 0.127827854825217 | 0.14707569474509066 | 0.11847883882238038 | 0.025389009592740198 | 0.05714686695720611 | - | 0 | 0.16806833463840007 | 0.07203907599344332 700 | Commerce de gros(1) | 0.07530270531428297 | 0.09904539462121578 | 0.09199238822104806 | 0.16513359448687645 | 0.13066467339921412 | 0.09913244528823323 | 0.00043328046984973954 | 0 | 0.006827851906931936 | 0.11405449844264684 800 | Commerce de détail(2) | 0.010572262751792714 | 0.26197963054298323 | 0.053291910404654835 | 0.11649779427283294 | 0.15351797187762217 | 0.10437129266496845 | 0.0011129366449169216 | 0.20538929507571965 | 0.0026481309193837044 | 0.1033646923591739 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007998039727703975 | 0 | 0.0030942329062108717 | 0.0006955845033616395 | 0.0004732925162822295 | 0.003364873603221753 | - | 0 | 0.0020682311683840058 | 0.0019310082354288929 1000 | Hotels,motels et pensions | 0.027037633111667923 | 0 | 0.002264939502999002 | 0.05593087841887423 | 0.012561309114880015 | 0.11785135081310211 | 0.08997025649161597 | 0 | 0 | 0.037489254752670065 1100 | Transport | 0.01121752555226058 | 0.09736838566394844 | 0.018563109894200448 | 0.0028710786370514554 | 0.031294179185511 | 0.005612715167013857 | - | 7.08159893685864e-07 | 0 | 0.01509564907081713 1200 | Immobilier résidentiel | 0.11926856169409822 | 0.18874261394928643 | 0.15553572377464378 | 0.01312535747440802 | 0.04836327403920287 | 0.08069858041674968 | 0.5363376715386815 | 0 | 0.2354267305140969 | 0.08855250419710098 1300 | Immobilier commercial | 0.05857874210723614 | 0.03303673134665548 | 0.065137541616189 | 0.03584717459696692 | 0.1791156557888722 | 0.012480480301518927 | 0.24151519708090638 | 0 | 0.00945435350092553 | 0.0906669720728714 1400 | Télécommunications | 0.04106563663929966 | 0 | 0.0010848254196838274 | 0.0061234523251610384 | 0.015857991999325215 | 0.00034724885493907795 | - | 0.019773000392924057 | 0.09070199144706324 | 0.016920854944591886 1500 | Services financiers | 0.007952583572750381 | 0.008672535780582644 | 0.012810960654121979 | 0.06836067731254823 | 0.09134534751213329 | 0.18012553010279148 | - | 0.13647217180397464 | 0.19092000920123195 | 0.07533164993051816 1510 | Services professionnels | 0.08026318138264162 | 0.018026535740581745 | 0.00533948800502216 | 0.026239932453822192 | 0.0073746849974808595 | 0.022971653226556275 | 0 | 0 | 0.0228887951618122 | 0.02439055132302735 1520 | Services médicaux | 0.00027166393035570806 | 0.000912550556015053 | 3.4326876722436855e-07 | 0.002073379191694764 | 0.0019406246359405562 | 0.008850404171998762 | 0 | 0 | 0.00036419107346049624 | 0.001939068033612344 1530 | Services d'agence ou de représentation | 0.0001577309067810341 | 0 | 0.001196980937461511 | 0.004507101800191647 | 0.0013445197507095487 | 2.1980485178512773e-05 | 0 | 0 | 0 | 0.0018539419070021342 1540 | Services d'enseignement | 0.0023795224118840727 | 0 | 0.0009129301518085528 | 0.0035261030155055027 | 0.00042549546093702267 | 0.003892499576566824 | 7.179601414885636e-05 | 0 | 0.0017160239103423541 | 0.001927526413216024 1550 | Autres services | 0.05123357372095793 | 0.012763992923000652 | 0.0015611259380333966 | 0.06536719466403326 | 0.008679097009121513 | 0.07326099338039105 | - | 0.038980033240902254 | 0.004443364926762812 | 0.036048517752202754 1560 | Crédit à la consommation | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169352 | 0.09075799630055018 | 0.0673586961996528 | 0.03605001288344499 | 0.11939299581380024 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0 | 0.03104694506016229 | 0.06936353164793861 | 0.04109535686947494 | 0.05074186574268021 | 0.02736576753796238 | - | 0 | 0 | 0.0339179822317367 Produits pétroliers | 0.016552088217715862 | 0 | 0 | 0.00018743509685266395 | 0.00038203223503546416 | 0.006298460228465313 | - | 0 | 0 | 0.0028830664786945823 Produits pharmaceutiques | 0 | 0.0003820763031212257 | 4.668455234251413e-08 | 0.006588090381511874 | 0.004521172360693755 | 0.0032547154004528857 | - | 0 | 0 | 0.0036228454221042036 Produits alimentaires | 0.028243781944288508 | 0.014387327575208445 | 0.017274907341461664 | 0.07465728268483822 | 0.03770552368697002 | 0.04153344825866079 | - | 0 | 0.00519834529815002 | 0.04232212563446872 Matériaux de construction | 0 | 0 | 0.0027343773921542215 | 0.007970581019744932 | 0.017460634804017723 | 0.019619719030842843 | - | 0 | 0.0016295066087819153 | 0.009415018624595295 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.030506835152278606 | 0.05322905296355738 | 0.002619525154941223 | 0.0346348484344538 | 0.019853445000615103 | 0.001060113521360309 | - | 0 | 0 | 0.021872441359068323 S-Total | 0.07530270531428297 | 0.09904540190204933 | 0.09199238822104808 | 0.16513359448687642 | 0.1306646738300123 | 0.0991322239777445 | - | 0 | 0.006827851906931935 | 0.11403347975066783 (2) Commerce de détail Produits pétroliers | 0.0026251417212685155 | 0.005738155989543879 | 0.0002504077003148324 | 0.005147308541073159 | 0.004262863201907652 | 0.0018698922276150008 | - | 0 | 0 | 0.0034738525349316965 Produits pharmaceutiques | 0 | 0 | 0.00016293183382551208 | 0.00037177529558639734 | 4.894168604419027e-05 | 0.003253082782093501 | - | 0 | 0.00018764901216824926 | 0.0003812351468308157 Véhicules automobiles | 0.0018405840940329823 | 0 | 0.0025591373134111126 | 0.03403639557745052 | 0.06942087484313013 | 0.016888529917632573 | - | 0.05354650662138121 | 0 | 0.03438300906288702 Produits alimentaires | 0 | 0 | 0.028270086062972242 | 0.030683673640323764 | 0.023794656206154518 | 0.03471073613479313 | - | 0 | 0.001239301887217098 | 0.020531935036041876 Librairie ,papeterie | 0.00014631809534418748 | 0 | 0 | 0.001983065196402773 | 0.001018020413496388 | 0.0018372398604273117 | - | 0 | 0.0003004722500139568 | 0.0010790795493867838 Appareils électro- ménagers électroni.équip. inform. | 0.0014747888556725136 | 0 | 0.02127174212881284 | 0.011995110259565778 | 0.008841001725886833 | 0.03777878883615639 | - | 0 | 0 | 0.010325025700806532 Matériaux de construction | 0 | 0.0009490857788567229 | 0 | 0.011911279557380394 | 0.011219007543872787 | 0 | - | 0 | 0 | 0.0070615770369042334 Autres | 0.0044855275308714115 | 0.2552923814937491 | 0.0007776026191681555 | 0.020369186644416726 | 0.034912605826331544 | 0.008033026534291336 | - | 0.1518427822964263 | 0.000921000058165348 | 0.026075069552953817 S-Total | 0.010572360297189609 | 0.2619796232621497 | 0.053291907658504695 | 0.11649779471219951 | 0.15351797144682405 | 0.10437129629300923 | - | 0.20538928891780753 | 0.002648423207564652 | 0.10331078362074278 [Secteur d'activité sept 15 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 880359 | 495856.72 | 529047.1799999999 | 6409941.220000001 | 6596654.18 | 1121838.2 | 5655.42 | 333537.23 | 32420 | 16405309.15 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1817553 | 55454.66 | 98978.56999999999 | 5159720.08 | 2881729.4000000004 | 2262043.39 | 329336.43 | 284921.58 | 760895 | 13650632.110000001 Industries Manufacturières ( 200 à 290 ) | 1151909 | 9650.289999999999 | 374657.80000000005 | 3798721.06 | 4717122.779999999 | 971123.09 | 40840.1 | 842011.7100000001 | 305469 | 12211504.83 Prêts aux Particuliers ( 1560 ) | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1823226 | 304607.08 | 803573.2 | 1114616.71 | 5280406.3100000005 | 513660.49 | 2845062.7199999997 | 0 | 837807 | 13522959.510000002 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 535988 | 133732.47 | 71547.20000000001 | 204715.87 | 1094530.48 | 32855 | 0 | 32111.06 | 310317 | 2415797.08 Bâtiments et Travaux Publics ( 600 ) | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96 Électricité, Gaz et Eau ( 300 à 500 ) | 356730 | 9430.46 | 391312.75000000006 | 1307265.82 | 400697.16000000003 | 97338.28000000001 | 0 | 126617.72 | 0 | 2689392.1900000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001 Total | 10251637 | 1373469.1099999999 | 3641461.4999999995 | 22760038.390000004 | 23212727.06 | 5512617.17 | 3657584.6599999997 | 1623927.04 | 3421281 | 75454742.92999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0858749680660757 | 0.361025025164199 | 0.14528429862570288 | 0.28163138875970933 | 0.28418264527683634 | 0.20350373795320162 | 0.0015462171147666616 | 0.20538929507571965 | 0.00947598282631564 | 0.2174191908018207 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17729392876474265 | 0.040375615000180096 | 0.0271810013644247 | 0.22670085136003143 | 0.12414437099748506 | 0.41033928535980674 | 0.09004205250576483 | 0.1754522050448769 | 0.2224006154419938 | 0.18091151834767774 Industries Manufacturières ( 200 à 290 ) | 0.11236342059321842 | 0.00702621553680228 | 0.10288665690959525 | 0.16690310424384128 | 0.2032127792571391 | 0.17616370955068517 | 0.011165865946080385 | 0.518503411335524 | 0.08928497834583012 | 0.1618387970830239 Prêts aux Particuliers ( 1560 ) | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169355 | 0.09075799630055016 | 0.06735869619965282 | 0.03605001288344498 | 0.11939299581380025 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17784730380133437 | 0.22177934529594193 | 0.2206732653908328 | 0.04897253207137493 | 0.22747892982807513 | 0.09317906071826859 | 0.7778528686195879 | 0 | 0.24488108401502245 | 0.1792194762699724 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.052283162191560234 | 0.09736838566394844 | 0.01964793531388428 | 0.008994530962212493 | 0.04715217118483622 | 0.005959964021952934 | 0 | 0.019773708552817744 | 0.09070199144706324 | 0.03201650401540902 Bâtiments et Travaux Publics ( 600 ) | 0.05351174646546693 | 0.127827854825217 | 0.1470756947450907 | 0.11847883882238036 | 0.0253890095927402 | 0.0571468669572061 | 0 | 0 | 0.16806833463840007 | 0.07203907599344332 Électricité, Gaz et Eau ( 300 à 500 ) | 0.034797369434754664 | 0.006866160972488125 | 0.10746035623334206 | 0.0574368899383917 | 0.01726195974149364 | 0.017657362555433903 | 0 | 0.07797007924691 | 0 | 0.035642453814930794 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.6724054339171238e-06 | 0.00012386754150813184 | 0.00381943792174154 | 0 | 0 | 0 | 0 | 0.001212447176248037 Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité juin 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 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 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83 200 | Industrie alimentaire | 505062 | 6306.91 | 50390.73 | 283914.84 | 1131463.34 | 173287.39 | 39105.43 | 331324.17 | 159274 | 2680128.81 210 | Industrie des boissons | 4018 | 0 | 33733.24 | 624269.44 | 2239352.61 | 110234.18 | 0 | 327162.18 | 81344 | 3420113.6500000004 220 | Industrie du bois | 16775 | 338.31 | 0 | 1321.51 | 0 | 0 | 0 | 0 | 0 | 18434.82 230 | Industrie chimique | 0 | 33.85 | 24000 | 335672.67 | 95243.54 | 86306.82 | 0 | 244003.08 | 0 | 785259.9599999998 240 | Industrie du textile | 273965 | 0 | 81819.89 | 701075.74 | 261922.46 | 155960.09 | 0 | 0 | 9162 | 1483905.18 250 | Industrie pharmacie | 0 | 0 | 18649.25 | 367.14 | 7131.69 | 17902.29 | 0 | 0 | 0 | 44050.369999999995 260 | Imprimerie, édition | 139450 | 0 | 5521.3 | 151462.56 | 128933.01 | 53117.93 | 0 | 0 | 4501 | 482985.8 270 | Sidérurgie, aciérie | 406290 | 0 | 48140.6 | 459474.86 | 343513.14 | 217091.44 | 0 | 77738.9 | 48452 | 1600700.94 280 | Industrie de la fabrication | 66297 | 1892 | 136638.93 | 995032.06 | 593335.81 | 98813.54 | 0 | 127742.55 | 3531 | 2023282.8900000001 290 | Autres industries | 0 | 0 | 0 | 124890.94 | 119423.14 | 50928.25 | 0 | 0 | 4158 | 299400.33 300 | Production et distribution de l'électricité | 618860 | 0 | 401566.4 | 1041002.6 | 595 | 944.63 | 0 | 157526.1 | 0 | 2220494.73 400 | Production et distribution de gaz | 0 | 0 | 3315.22 | 9270.91 | 776725.59 | 99056.77 | 0 | 0 | 0 | 888368.49 500 | Traitement et distribution de l'eau | 0 | 11584.96 | 8410.4 | 250092.73 | 36546.2 | 5399.96 | 0 | 0 | 0 | 312034.25000000006 600 | Entrep/ batiment et corps/ métiers corresp. | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08 700 | Commerce de gros(1) | 1117704 | 133431.06 | 550747.29 | 3899693.21 | 3227625.4 | 594603.64 | 7206.9 | 7806.74 | 41170 | 9579988.240000002 800 | Commerce de détail(2) | 134319 | 388895.08 | 177489.11 | 3556164.74 | 3943767.52 | 628985.18 | 5771.59 | 467668.16 | 7982 | 9311042.379999999 900 | Rest/débits/boissons, casinos/activités/loterie | 81243 | 0 | 6704.88 | 7519.99 | 11421.66 | 19462.23 | 0 | 0 | 6986 | 133337.76 1000 | Hotels,motels et pensions | 170793 | 0 | 9324.79 | 1104221.18 | 254069.57 | 649680.27 | 326541.52 | 0 | 0 | 2514630.33 1100 | Transport | 113869 | 137234.9 | 51999.97 | 281598.02 | 619451.06 | 38321.74 | 0 | 0 | 0 | 1242474.6900000002 1200 | Immobilier résidentiel / Avance Hypothécaire | 1186795 | 261272.79 | 461060.56 | 141541.59 | 1178901.47 | 440630.64 | 1944576.23 | 0 | 805116 | 6419894.28 1300 | Immobilier commercial | 600978 | 43477.1 | 70487.46 | 747726.72 | 4213379.84 | 72260.04 | 790765.18 | 0 | 35339 | 6574413.339999999 1400 | Télécommunications | 466413 | 0 | 4372.71 | 116652.63 | 458693.64 | 2532.3 | 0 | 0 | 409653 | 1458317.28 1500 | Services financiers | 67693 | 46960.86 | 50164.24 | 1650902.94 | 1978318.2 | 997723.75 | 0 | 141074.61 | 693999 | 5626836.600000001 1510 | Services professionnels | 850875 | 24727.13 | 53531.35 | 107068.49 | 206375.74 | 127075.65 | 0 | 4.2 | 24253 | 1393910.5599999998 1520 | Services médicaux | 48635 | 1346.35 | 300.81 | 11686.07 | 42371.76 | 53253.44 | 0 | 0 | 1400 | 158993.43 1530 | Services d'agence ou de représentation | 1123 | 0 | 4415.57 | 128017.05 | 34318.42 | 150.52 | 0 | 0 | 573 | 168597.55999999997 1540 | Services d'enseignement | 27979 | 0 | 15613.09 | 156004.46 | 10610.58 | 22449.7 | 225.76 | 0 | 7760 | 240642.59 1550 | Autres services | 346660 | 20795.77 | 5871.66 | 696289.92 | 189743.15 | 426727.29 | 0 | 82259.37 | 15774 | 1784121.1600000001 1560 | Crédit à la consommation | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6 Total | 10124864 | 1479837.6900000002 | 3526871.1799999997 | 23481762.930000003 | 24494488.28 | 5688109.300000002 | 3595462.57 | 1971123.9799999995 | 3556803 | 77919322.92999999 (1) Commerce de gros Import-export | 862 | 39575.82 | 53775.63 | 990037.91 | 1241038.36 | 169677 | 0 | 0 | 0 | 2494966.72 Produits pétroliers | 408735 | 0 | 0 | 3298.36 | 0 | 22503 | 0 | 0 | 0 | 434536.36 Produits pharmaceutiques | 0 | 1304.26 | 584.27 | 154657.11 | 99073.43 | 17973 | 0 | 0 | 0 | 273592.06999999995 Produits alimentaires | 397729 | 20067.97 | 213918.04 | 1711533.74 | 789168.98 | 235536 | 0 | 7806.74 | 23874 | 3399634.47 Matériaux de construction | 0 | 0 | 0 | 235641.41 | 550069.98 | 143326 | 0 | 0 | 17296 | 946333.39 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 310377 | 72483.01 | 282469.35 | 804524.69 | 548274.66 | 5588 | 0 | 0 | 0 | 2023716.71 S-Total | 1117703 | 133431.06 | 550747.29 | 3899693.22 | 3227625.41 | 594603 | - | 7806.74 | 41170 | 9572779.719999999 (2) Commerce de détail Produits pétroliers | 27375 | 8108.34 | 927.47 | 125341.58 | 76531.82 | 36921 | 0 | 0 | 0 | 275205.21 Produits pharmaceutiques | 0 | 0 | 0 | 8719.42 | 2580.83 | 22665 | 0 | 0 | 325 | 34290.25 Véhicules automobiles | 18131 | 0 | 47848.13 | 1064241.7 | 1871480.74 | 101367 | 0 | 213874.43 | 0 | 3316943.0000000005 Produits alimentaires | 1464 | 0 | 69160.45 | 911551.46 | 619683.9 | 190172 | 0 | 0 | 4612 | 1796643.81 Librairie ,papeterie | 1636 | 0 | 0 | 45594.87 | 25038.92 | 12127 | 0 | 0 | 1151 | 85547.79000000001 Appareils électro- ménagers électroni.équip. inform. | 14653 | 0 | 6652.26 | 283776.17 | 196673.09 | 215442 | 0 | 0 | 0 | 717196.52 Matériaux de construction | 0 | 0 | 0 | 265926.63 | 240343.9 | 691 | 0 | 0 | 0 | 506961.53 Autres | 71058 | 380786.74 | 52900.79 | 851012.9 | 911434.32 | 49600 | 0 | 253793.73 | 1894 | 2572480.48 S-Total | 134317 | 388895.08 | 177489.09999999998 | 3556164.73 | 3943767.5199999996 | 628985 | - | 467668.16000000003 | 7982 | 9305268.59 [Secteur d'activité juin 15 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 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 | 4.2574742066012326e-05 | 0.003683444984383238 | 0 | 0 | 0 | 0 | 0.0011707472109575737 200 | Industrie alimentaire | 0.04988333670457203 | 0.0042618930728815264 | 0.014287658218353188 | 0.012090865615429327 | 0.04619256900026164 | 0.030464848838259836 | 0.010876327937965434 | 0.16808895501337265 | 0.044780101681200786 | 0.03439620249790587 210 | Industrie des boissons | 0.0003968448366318797 | 0 | 0.00956463626777545 | 0.02658528841556616 | 0.09142271454711116 | 0.019379757699100466 | 0 | 0.1659774744356771 | 0.02286997621178345 | 0.043893010377830305 220 | Industrie du bois | 0.0016568123779242862 | 0.0002286129095684811 | 0 | 5.6278142486127205e-05 | 0 | 0 | 0 | 0 | 0 | 0.00023658855476145756 230 | Industrie chimique | 0 | 2.2874130202752166e-05 | 0.0068048983858832075 | 0.014295037003850713 | 0.0038883661871706586 | 0.015173199994592225 | 0 | 0.12378880398989416 | 0 | 0.010077859130083177 240 | Industrie du textile | 0.027058635059196843 | 0 | 0.02319900155808923 | 0.029856179967830035 | 0.010693118264236707 | 0.02741861693832078 | 0 | 0 | 0.002575908758511506 | 0.019044123128907173 250 | Industrie pharmacie | 0 | 0 | 0.005287760467622183 | 1.563511228243202e-05 | 0.0002911548883355566 | 0.0031473182134527542 | 0 | 0 | 0 | 0.0005653330694309717 260 | Imprimerie, édition | 0.013773024506798313 | 0 | 0.0015654952274157064 | 0.006450220984323683 | 0.005263756014257098 | 0.009338415842325672 | 0 | 0 | 0.0012654622704715442 | 0.006198536920474753 270 | Sidérurgie, aciérie | 0.04012794640994684 | 0 | 0.01364966213481038 | 0.019567306823159377 | 0.014024099465694165 | 0.03816583482318104 | 0 | 0.03943886878186121 | 0.013622345685156023 | 0.020543055044741777 280 | Industrie de la fabrication | 0.006547939804426015 | 0.001278518592130195 | 0.03874225142524202 | 0.042374674464018186 | 0.02422323762054114 | 0.01737194817968775 | 0 | 0.06480695851511077 | 0.0009927454514630132 | 0.025966381815427826 290 | Autres industries | 0 | 0 | 0 | 0.005318635588490714 | 0.004875510712240933 | 0.008953458401370731 | 0 | 0 | 0.0011690273540592494 | 0.0038424400872806718 300 | Production et distribution de l'électricité | 0.06112279631607891 | 0 | 0.11385910613270543 | 0.04433238692951917 | 2.4291179027643684e-05 | 0.00016607100007730156 | 0 | 0.0799168908695434 | 0 | 0.02849735657989245 400 | Production et distribution de gaz | 0 | 0 | 0.0009399889677853218 | 0.00039481320153162785 | 0.031710219095869185 | 0.017414709312987352 | 0 | 0 | 0 | 0.01140113205036547 500 | Traitement et distribution de l'eau | 0 | 0.007828534222560583 | 0.002384663224359672 | 0.010650509109794508 | 0.001492017289042137 | 0.0009493418138079728 | 0 | 0 | 0 | 0.004004581126562416 600 | Entrep/ batiment et corps/ métiers corresp. | 0.028828634142641325 | 0.11698416060750554 | 0.12308103637627049 | 0.13563038514161507 | 0.02667828258055775 | 0.053462601360350075 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381 700 | Commerce de gros(1) | 0.11039200131478309 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327233586033 | 0.13176945617742866 | 0.10453449619893905 | 0.0020044430611330212 | 0.003960552496550725 | 0.011575001483073423 | 0.12294752931318885 800 | Commerce de détail(2) | 0.013266252267684782 | 0.2627957664735516 | 0.05032480658961862 | 0.15144368634506097 | 0.1610063241541619 | 0.11057895459217 | 0.0016052426878692275 | 0.23725963701177238 | 0.002244150153944427 | 0.11949593540956092 900 | Rest/débits/boissons, casinos/activités/loterie | 0.008024107780608214 | 0 | 0.0019010844620641915 | 0.00032024810157641766 | 0.000466295105635087 | 0.003421563998427385 | 0 | 0 | 0.0019641233995810283 | 0.0017112284217328994 1000 | Hotels,motels et pensions | 0.016868671026099707 | 0 | 0.002643927017487495 | 0.04702462857204222 | 0.01037252001738899 | 0.11421726196435779 | 0.09082044761767609 | 0 | 0 | 0.03227223024331277 1100 | Transport | 0.011246472051377679 | 0.09273645409044824 | 0.014743937996623966 | 0.011992200962059538 | 0.0252894060459221 | 0.0067371666012114055 | 0 | 0 | 0 | 0.01594565562532154 1200 | Immobilier résidentiel | 0.11721589544313879 | 0.17655503151835522 | 0.13072792752243365 | 0.006027724171389545 | 0.04812925489701228 | 0.07746522029736663 | 0.5408417393147831 | 0 | 0.22635945819883754 | 0.08239155627375523 1300 | Immobilier commercial | 0.05935664913622544 | 0.02937964095238039 | 0.019985833449125297 | 0.031842869814715395 | 0.17201338488219275 | 0.012703701034718157 | 0.21993419889780694 | 0 | 0.00993560790406441 | 0.08437462098979252 1400 | Télécommunications | 0.046066100245889724 | 0 | 0.0012398269675389733 | 0.004967796938745433 | 0.018726402232069818 | 0.00044519186718159574 | 0 | 0 | 0.1151744979972183 | 0.018715733468450457 1500 | Services financiers | 0.006685818199632113 | 0.03173379102136532 | 0.014223439825210741 | 0.07030574939885911 | 0.08076585137789209 | 0.17540516494646116 | 0 | 0.07157064265434994 | 0.19511876255165103 | 0.07221362286547273 1510 | Services professionnels | 0.08403816584598074 | 0.016709352766924052 | 0.015178141550381209 | 0.00455964444914869 | 0.0084253950374831 | 0.022340578089805687 | 0 | 2.13076399182156e-06 | 0.006818763929292682 | 0.01788915133736776 1520 | Services médicaux | 0.004803521311496134 | 0.000909795722259243 | 8.529089514406364e-05 | 0.0004976657857775245 | 0.001729848752733364 | 0.009362239224200559 | 0 | 0 | 0.00039361190372365297 | 0.0020404878279401137 1530 | Services d'agence ou de représentation | 0.00011091507006908933 | 0 | 0.0012519793819064297 | 0.005451764860314088 | 0.001401067032211542 | 2.6462220056144132e-05 | 0 | 0 | 0.0001610997291668951 | 0.0021637451874609095 1540 | Services d'enseignement | 0.0027633951428878453 | 0 | 0.004426895455818719 | 0.006643643429373468 | 0.0004331823501968664 | 0.003946777183061513 | 6.279025177002468e-05 | 0 | 0.0021817345520682477 | 0.0030883557627443057 1550 | Autres services | 0.034238484586064565 | 0.014052737094430943 | 0.0016648354023522914 | 0.029652369887033857 | 0.007746361051964789 | 0.07502093709767495 | 0 | 0.041732215139506354 | 0.004434881549526358 | 0.02289703109462068 1560 | Crédit à la consommation | 0.25552758041984563 | 0.15435682679497098 | 0.23207844240004255 | 0.11553594370608015 | 0.06726246905697758 | 0.042388162266853754 | 0.13385481023099624 | 0.003456870328369706 | 0.16612502857200695 | 0.11954325640596272 Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 0.9999999999999996 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 8.513694603700356e-05 | 0.02674335183340275 | 0.01524740407445219 | 0.0421619923917697 | 0.05066602518140052 | 0.02983012299007685 | 0 | 0 | 0 | 0.032019871659323726 Produits pétroliers | 0.040369431135075 | 0 | 0 | 0.00014046475172381785 | 0 | 0.00395614760778243 | 0 | 0 | 0 | 0.005576747123308199 Produits pharmaceutiques | 0 | 0.0008813534138328372 | 0.00016566241582999922 | 0.006586264858436673 | 0.00404472340338273 | 0.003159749409175382 | 0 | 0 | 0 | 0.0035112223735027258 Produits alimentaires | 0.039282404188342675 | 0.013560926401327162 | 0.06065377187947081 | 0.07288778722032689 | 0.0322182268508285 | 0.04140848699936197 | 0 | 0.003960552496550725 | 0.006712207563927494 | 0.043630184942111384 Matériaux de construction | 0 | 0 | 0 | 0.010035081722886637 | 0.022456888003214083 | 0.02519747642683307 | 0 | 0 | 0.004862793919145929 | 0.012145041235152325 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.030654930278569668 | 0.04898037838190213 | 0.08009063432818661 | 0.034261681816579 | 0.022383593146857936 | 0.0009824002502905487 | 0 | 0 | 0 | 0.02597194936893942 S-Total | 0.11039190254802433 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327276172273 | 0.1317694565856838 | 0.10453438368352025 | - | 0.003960552496550725 | 0.011575001483073423 | 0.12285501670233777 (2) Commerce de détail Produits pétroliers | 0.0027037400206066965 | 0.00547920900703644 | 0.0002629724627481291 | 0.005337826651842447 | 0.0031244506570275656 | 0.006490909026660227 | - | 0 | 0 | 0.0035319250687949996 Produits pharmaceutiques | 0 | 0 | 0 | 0.0003713273158405061 | 0.00010536370347884645 | 0.003984628073163079 | - | 0 | 9.1374191935848e-05 | 0.00044007376746336936 Véhicules automobiles | 0.0017907401027806398 | 0 | 0.01356673594185541 | 0.04532205282765794 | 0.07640415748256651 | 0.017820860087903016 | - | 0.1085037938608002 | 0 | 0.04256894022269452 Produits alimentaires | 0.00014459453480066497 | 0 | 0.019609576440498176 | 0.03881954956778025 | 0.025298911857896546 | 0.03343325347141272 | - | 0 | 0.0012966700714096338 | 0.02305774411841389 Librairie ,papeterie | 0.00016158241730456825 | 0 | 0 | 0.0019417140925883623 | 0.0010222267031577276 | 0.002131991380686021 | - | 0 | 0.00032360521513280326 | 0.0010979021221328266 Appareils électro- ménagers électroni.équip. inform. | 0.0014472293158703168 | 0 | 0.0018861647223531426 | 0.012084960181479865 | 0.00802927939346198 | 0.03787585446011031 | - | 0 | 0 | 0.009204347433104679 Matériaux de construction | 0 | 0 | 0 | 0.011324815380886736 | 0.009812162526222001 | 0.00012148149122239964 | - | 0 | 0 | 0.006506236334412667 Autres | 0.007018168342804407 | 0.2573165574665151 | 0.014999354186789438 | 0.03624143990112245 | 0.03720977183035072 | 0.008719944956050683 | - | 0.12875584315097222 | 0.0005325006754661419 | 0.03301466675103205 S-Total | 0.013266054734167292 | 0.2627957664735515 | 0.05032480375424429 | 0.15144368591919855 | 0.1610063241541619 | 0.11057892294720845 | - | 0.2372596370117724 | 0.002244150153944427 | 0.119421835818049 [Secteur d'activité juin 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1252023 | 522326.14 | 728236.4 | 7455857.95 | 7171392.92 | 1223588.82 | 12978.49 | 475474.89999999997 | 49152 | 18891030.619999997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1595001 | 93830.11000000002 | 145926.39 | 3861710.1000000006 | 2727229.0799999996 | 2296522.8499999996 | 326767.28 | 223338.18 | 750745 | 12021069.989999998 Industries Manufacturières ( 200 à 290 ) | 1411857 | 8571.07 | 398893.93999999994 | 3677481.76 | 4920318.739999999 | 963641.9300000002 | 39105.43 | 1107970.88 | 310422 | 12838262.749999996 Prêts aux Particuliers ( 1560 ) | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1787773 | 304749.89 | 531548.02 | 889268.3099999999 | 5392281.31 | 512890.68 | 2735341.41 | 0 | 840455 | 12994307.62 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 580282 | 137234.9 | 56372.68 | 398250.65 | 1078144.7000000002 | 40854.04 | 0 | 0 | 409653 | 2700791.97 Bâtiments et Travaux Publics ( 600 ) | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08 Électricité, Gaz et Eau ( 300 à 500 ) | 618860 | 11584.96 | 413292.02 | 1300366.24 | 813866.7899999999 | 105401.36000000002 | 0 | 157526.1 | 0 | 3420897.4699999997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83 Total | 10124864 | 1479837.6899999997 | 3526871.18 | 23481762.929999996 | 24494488.279999997 | 5688109.3 | 3595462.5700000003 | 1971123.98 | 3556803 | 77919322.92999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12365825358246788 | 0.35296177650401656 | 0.20648227928755822 | 0.3175169586809214 | 0.29277578033159063 | 0.2151134507911091 | 0.0036096857490022483 | 0.24122018950832305 | 0.01381915163701785 | 0.24244346472274972 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1575330789628384 | 0.06340567660497959 | 0.04137559399036514 | 0.16445571448412546 | 0.11134052072550583 | 0.40374098472404524 | 0.0908832378694461 | 0.1133049885578481 | 0.21107297761500987 | 0.15427585274065214 Industries Manufacturières ( 200 à 290 ) | 0.13944453969949622 | 0.005791898704782956 | 0.11310136368519134 | 0.1566101221174368 | 0.20087452669984907 | 0.16941339893029134 | 0.010876327937965433 | 0.5621010607359157 | 0.08727556741264557 | 0.16476353062684393 Prêts aux Particuliers ( 1560 ) | 0.25552758041984563 | 0.15435682679497104 | 0.23207844240004252 | 0.11553594370608018 | 0.0672624690569776 | 0.04238816226685377 | 0.1338548102309962 | 0.003456870328369705 | 0.16612502857200695 | 0.11954325640596272 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17657254457936422 | 0.20593467247073569 | 0.15071376097155892 | 0.03787059398610495 | 0.22014263977920506 | 0.09016892133208482 | 0.7607759382125899 | 0 | 0.23629506610290196 | 0.16676617726354775 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.0573125722972674 | 0.09273645409044827 | 0.015983764964162938 | 0.016959997900804977 | 0.04401580827799193 | 0.007182358468393004 | 0 | 0 | 0.1151744979972183 | 0.034661389093772 Bâtiments et Travaux Publics ( 600 ) | 0.028828634142641325 | 0.11698416060750558 | 0.12308103637627048 | 0.1356303851416151 | 0.026678282580557756 | 0.05346260136035009 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06112279631607891 | 0.007828534222560584 | 0.11718375832485041 | 0.05537770924084533 | 0.03322652756393897 | 0.018530122126872637 | 0 | 0.07991689086954339 | 0 | 0.04390306975682033 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 4.257474206601234e-05 | 0.0036834449843832382 | 0 | 0 | 0 | 0 | 0.0011707472109575737 Total | 0.9999999999999999 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 [Sheet2] [Sheet3] [Secteur d'activité mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 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 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09 200 | Industrie alimentaire | 319338 | 6316 | 19234.64 | 370588.11 | 1146703.81 | 178893.7 | 20656.68 | 235801.73 | 161652 | 2459184.67 210 | Industrie des boissons | 4006 | 0 | 8648.47 | 560531.55 | 2190603.46 | 110472.89 | 0 | 288559.71 | 84398 | 3247220.08 220 | Industrie du bois | 17934 | 413.77 | 4011.62 | 3031.37 | 0 | 0 | 0 | 0 | 0 | 25390.76 230 | Industrie chimique | 0 | 178.03 | 24000 | 377744.2 | 105220.37 | 80902.95 | 0 | 0 | 0 | 588045.5499999999 240 | Industrie du textile | 281522 | 0 | 81768.11 | 595494.26 | 261827.29 | 97941.45 | 0 | 0 | 9496 | 1328049.1099999999 250 | Industrie pharmacie | 0 | 0 | 6817.5 | 456.51 | 10411.13 | 0 | 0 | 0 | 0 | 17685.14 260 | Imprimerie, édition | 106001 | 0 | 3231.37 | 123115.34 | 87867.99 | 38879.22 | 0 | 27300.61 | 4538 | 390933.53 270 | Sidérurgie, aciérie | 430323 | 0 | 23415.37 | 510010.55 | 355329.57 | 65182.37 | 0 | 75017.95 | 45290 | 1504568.81 280 | Industrie de la fabrication | 67557 | 0 | 53819.97 | 905169.44 | 587458.34 | 50240.89 | 0 | 59372.42 | 3858 | 1727476.0599999998 290 | Autres industries | 0 | 0 | 60425.92 | 118808.2 | 112231.77 | 45284.95 | 0 | 0 | 4566 | 341316.84 300 | Production et distribution de l'électricité | 1001049 | 0 | 206773.778 | 949775.95 | 96464.65 | 913.21 | 0 | 70457.76 | 0 | 2325434.3479999998 400 | Production et distribution de gaz | 0 | 0 | 3773.37 | 9708.27 | 2110385.65 | 91183.62 | 0 | 0 | 0 | 2215050.91 500 | Traitement et distribution de l'eau | 0 | 12606.49 | 9355.36 | 281780.53 | 36766.04 | 6649.18 | 0 | 0 | 0 | 347157.6 600 | Entrep/ batiment et corps/ métiers corresp. | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999 700 | Commerce de gros(1) | 1234979 | 136224.43 | 598872.18 | 3710670.53 | 3413581.94 | 553654.92 | 2747.06 | 349280.54 | 22233 | 10022243.6 800 | Commerce de détail(2) | 111021 | 369242.69 | 101269.63 | 3402006.65 | 3897490.33 | 602831.78 | 6911.42 | 605022.84 | 8425 | 9104221.34 900 | Rest/débits/boissons, casinos/activités/loterie | 75882 | 0 | 4266.89 | 8898.28 | 14897.37 | 16677.68 | 0 | 0 | 4853 | 125475.22 1000 | Hotels,motels et pensions | 160270 | 0 | 14158.2 | 1021537.02 | 260083.15 | 583488.74 | 272075.55 | 0 | 0 | 2311612.6599999997 1100 | Transport | 78737 | 132582.28 | 31409.78 | 303154.33 | 573982.55 | 25427.17 | 0 | 0 | 0 | 1145293.1099999999 1200 | Immobilier résidentiel / Avance Hypothécaire | 1120118 | 255038.86 | 496676.14 | 182200.85 | 1080798.3 | 514921.09 | 2040336.57 | 0 | 800490 | 6490579.8100000005 1300 | Immobilier commercial | 552151 | 43193.24 | 43496.39 | 702698.91 | 4087284.2 | 31063.11 | 702910.92 | 0 | 36002 | 6198799.7700000005 1400 | Télécommunications | 478180 | 0 | 4463.88 | 114526.4 | 551347.66 | 3599.15 | 0 | 65031.99 | 392649 | 1609798.0799999998 1500 | Services financiers | 6729 | 0 | 22207.41 | 1546273.74 | 1562647.58 | 903782.73 | 0 | 616927.48 | 816716 | 5475283.9399999995 1510 | Services professionnels | 1088964 | 24147.3 | 71650.52 | 95014.5 | 202041.89 | 139031.79 | 0 | 0 | 23280 | 1644130 1520 | Services médicaux | 78638 | 1321.01 | 1.58 | 8920.73 | 39845.17 | 47813.55 | 0 | 0 | 811 | 177351.03999999998 1530 | Services d'agence ou de représentation | 2725 | 0 | 4410.14 | 121612.09 | 39369.74 | 70671.91 | 0 | 0 | 652 | 239440.88 1540 | Services d'enseignement | 23799 | 0 | 6080.59 | 150559.75 | 9509.3 | 20023.85 | 0 | 0 | 6970 | 216942.49 1550 | Autres services | 331011 | 17853.78 | 6724.48 | 873745.6 | 143929.91 | 727226.08 | 0 | 63395.55 | 25851 | 2189737.3999999994 1560 | Crédit à la consommation | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001 Total | 10142663 | 1393961.4100000001 | 2738950.1579999994 | 22176934.22 | 25168847.91 | 5472342.199999999 | 3479433.83 | 2490403 | 3403598 | 76467133.72800002 (1) Commerce de gros Import-export | 1667 | 42119.51 | 11716.37 | 949820.08 | 1314248.5 | 134811 | 0 | 0 | 0 | 2454382.46 Produits pétroliers | 432843 | 0 | 822.63 | 3673.51 | 75.38 | 12216 | 0 | 0 | 0 | 449630.52 Produits pharmaceutiques | 0 | 1606.28 | 342.9 | 137933.81 | 98364.88 | 22492 | 0 | 0 | 0 | 260739.87 Produits alimentaires | 478536 | 15926.13 | 394424.64 | 1607367.93 | 793088.16 | 204605 | 0 | 50958.97 | 22233 | 3567139.8300000005 Matériaux de construction | 0 | 0 | 61973.97 | 360472.13 | 644898.19 | 173006 | 0 | 0 | 0 | 1240350.29 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 321932 | 76572.51 | 129591.66 | 651403.07 | 562906.84 | 6525 | 0 | 298321.57 | 0 | 2047252.6500000001 S-Total | 1234978 | 136224.43 | 598872.17 | 3710670.53 | 3413581.9499999997 | 553655 | - | 349280.54000000004 | 22233 | 10019495.620000001 (2) Commerce de détail Produits pétroliers | 21930 | 8210.13 | 0 | 120302 | 90715.74 | 43825 | 0 | 0 | 0 | 284982.87 Produits pharmaceutiques | 0 | 0 | 0 | 10161.83 | 2733.92 | 19189 | 0 | 0 | 238 | 32322.75 Véhicules automobiles | 1930 | 0 | 55580.92 | 1037859.85 | 1929683.47 | 111176 | 0 | 429597.28 | 0 | 3565827.5200000005 Produits alimentaires | 1270 | 0 | 6491.92 | 785989.47 | 576452.69 | 167618 | 0 | 0 | 4899 | 1542721.08 Librairie ,papeterie | 1780 | 0 | 0 | 49693.97 | 24603.78 | 10703 | 0 | 0 | 1274 | 88054.75 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 6139.54 | 277967.05 | 215046.15 | 195758 | 0 | 0 | 0 | 694910.74 Matériaux de construction | 14081 | 0 | 0 | 243734.81 | 244804.65 | 543 | 0 | 27923.56 | 0 | 531087.02 Autres | 70031 | 361032.57 | 33057.25 | 876297.68 | 813449.93 | 54019 | 0 | 147502 | 2015 | 2357404.43 S-Total | 111022 | 369242.7 | 101269.62999999999 | 3402006.66 | 3897490.3299999996 | 602831 | - | 605022.8400000001 | 8426 | 9097311.16 [Secteur d'activité mars 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 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 | 6.248158497716824e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150192 200 | Industrie alimentaire | 0.03148463081145455 | 0.004530971915499439 | 0.0070226323556195226 | 0.01671052032366988 | 0.04556044099040368 | 0.03269051778231267 | 0.0059367934581471835 | 0.09468416557480858 | 0.04749444558376165 | 0.03216002156884192 210 | Industrie des boissons | 0.00039496530644861214 | 0 | 0.0031575857540668694 | 0.025275430067988904 | 0.08703630248922267 | 0.020187496681037236 | - | 0.1158686806914383 | 0.024796700432894836 | 0.042465565553308604 220 | Industrie du bois | 0.0017681746894282102 | 0.000296830311823338 | 0.0014646560793677651 | 0.00013669021921281597 | 0 | 0 | - | 0 | 0 | 0.00033204801542996307 230 | Industrie chimique | 0 | 0.00012771515676319905 | 0.008762481467543378 | 0.017033201986022758 | 0.004180579515449104 | 0.014783971294777582 | - | 0 | 0 | 0.007690173821497313 240 | Industrie du textile | 0.02775622141837898 | 0 | 0.02985381452129368 | 0.026851964933140342 | 0.010402831744077237 | 0.017897537547999103 | - | 0 | 0.0027899887119454177 | 0.017367580622597696 250 | Industrie pharmacie | 0 | 0 | 0.0024890923918740406 | 2.0584901207322965e-05 | 0.00041365143280410084 | 0 | - | 0 | 0 | 0.0002312776631972047 260 | Imprimerie, édition | 0.010451002857927943 | 0 | 0.0011797841558239851 | 0.005551504043736123 | 0.003491140727386596 | 0.007104676312091741 | - | 0.010962326177731074 | 0.0013332949425872269 | 0.00511243865097106 270 | Sidérurgie, aciérie | 0.0424270233566865 | 0 | 0.008549031070027965 | 0.022997342416250358 | 0.014117832141963943 | 0.011911237933914296 | - | 0.030122815464003215 | 0.013306506820135632 | 0.019676019443227426 280 | Industrie de la fabrication | 0.006660676786757087 | 0 | 0.01964985373786419 | 0.0408158057836364 | 0.02334069251404205 | 0.009180875055657156 | - | 0.02384048686096186 | 0.0011335063659104277 | 0.022591092091208447 290 | Autres industries | 0 | 0 | 0.02206170850663578 | 0.005357286937021902 | 0.004459154046356189 | 0.008275240901418774 | - | 0 | 0.0013415215310386243 | 0.0044635757005629705 300 | Production et distribution de l'électricité | 0.09869686097231073 | 0 | 0.07549380823745536 | 0.04282719787045479 | 0.00383270026283853 | 0.0001668773564635633 | - | 0.028291710217181715 | 0 | 0.030410899881140624 400 | Production et distribution de gaz | 0 | 0 | 0.0013776701956326731 | 0.0004377642961687966 | 0.08384911607978325 | 0.016662631222148352 | - | 0 | 0 | 0.02896735894245914 500 | Traitement et distribution de l'eau | 0 | 0.009043643467863289 | 0.0034156736925915255 | 0.01270601820813806 | 0.0014607756434251503 | 0.001215051938820639 | - | 0 | 0 | 0.004539958320327117 600 | Entrep/ batiment et corps/ métiers corresp. | 6.901540552022679e-07 | 0.12095943172487104 | 0.019769253500961304 | 0.11388533351568014 | 0.024811443584268532 | 0.04689487437390155 | - | 0.010398300997870626 | 0.11008761904314199 | 0.05270348636755951 700 | Commerce de gros(1) | 0.12176082356280594 | 0.09772467804542737 | 0.21865026577822091 | 0.1673211677136859 | 0.13562726240813458 | 0.10117330016386769 | 0.0007895135054199321 | 0.14025061004182857 | 0.006532205037140109 | 0.13106602943494597 800 | Commerce de détail(2) | 0.010945941908944426 | 0.2648873113352542 | 0.036973885670832284 | 0.15340292829709265 | 0.15485374395907342 | 0.11015973745209137 | 0.0019863633963690007 | 0.242941740754408 | 0.0024753217036794593 | 0.11906058061996251 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007481467145265499 | 0 | 0.0015578560228769235 | 0.00040124031174584965 | 0.0005918971759561958 | 0.003047631049096309 | - | 0 | 0.00142584406266545 | 0.001640903926729173 1000 | Hotels,motels et pensions | 0.01580157006103821 | 0 | 0.005169206879740527 | 0.04606304053870256 | 0.010333534174071776 | 0.10662504621878363 | 0.07819535110975225 | 0 | 0 | 0.030230146564962132 1100 | Transport | 0.007762951406351567 | 0.09511187257328736 | 0.011467817297900609 | 0.013669803363830333 | 0.02280527706522265 | 0.0046464875679740935 | - | 0 | 0 | 0.014977586502377651 1200 | Immobilier résidentiel | 0.11043628285786485 | 0.18295977074429912 | 0.1813381446717075 | 0.008215781685264881 | 0.042941905957109026 | 0.09409519200023714 | 0.5863990148075326 | 0 | 0.23518934962354543 | 0.08488064732604644 1300 | Immobilier commercial | 0.054438464533426774 | 0.030985965386229733 | 0.015880679636668296 | 0.03168602580632086 | 0.16239456865945995 | 0.005676382957191531 | 0.20201876349520922 | 0 | 0.010577629908114883 | 0.0810648898133105 1400 | Télécommunications | 0.0471454094452315 | 0 | 0.0016297777405557305 | 0.005164212458939241 | 0.021905955408508804 | 0.0006576982704042157 | - | 0.02611303873308858 | 0.11536291888760071 | 0.021052156678530495 1500 | Services financiers | 0.0006634352339222944 | 0 | 0.008108000773630728 | 0.06972441387347002 | 0.06208657565844062 | 0.16515464438609123 | - | 0.24772194701018269 | 0.23995665763113036 | 0.07160310152955442 1510 | Services professionnels | 0.10736470293846892 | 0.017322789445082268 | 0.026159848068326923 | 0.00428438390344831 | 0.008027458814264019 | 0.02540626753933627 | 0 | 0 | 0.0068398206838762975 | 0.02150113283764902 1520 | Services médicaux | 0.007753190656142278 | 0.0009476661193942232 | 5.76863363279939e-07 | 0.0004022526247994616 | 0.0015831145764987062 | 0.0087373099584306 | - | 0 | 0.00023827725836012361 | 0.002319310680989462 1530 | Services d'agence ou de représentation | 0.0002686671143465971 | 0 | 0.001610157084136323 | 0.005483719651850056 | 0.0015642249554202975 | 0.012914380610189182 | - | 0 | 0.00019156198822540147 | 0.0031312914232108037 1540 | Services d'enseignement | 0.002346425194251253 | 0 | 0.0022200440494470662 | 0.006789024511071486 | 0.00037782023372717814 | 0.0036591004853461103 | - | 0 | 0.0020478329109371906 | 0.0028370684165001207 1550 | Autres services | 0.032635511995222556 | 0.012807944231397337 | 0.00245513047411942 | 0.03939884527465582 | 0.005718573631763823 | 0.13289119236731944 | - | 0.02545594026348346 | 0.007595197787752843 | 0.02863632116497368 1560 | Crédit à la consommation | 0.25355490959326954 | 0.1622934095428079 | 0.2825315633217157 | 0.11732403289781684 | 0.058596677339928356 | 0.03818464057309867 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.1160728527052134 Total | 1 | 0.9999999999999999 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 (1) Commerce de gros Import-export | 0.00016435525857459723 | 0.030215692986795092 | 0.00427768645799505 | 0.042829187775802496 | 0.05221726893100368 | 0.024634972571707964 | - | 0 | 0 | 0.03209722060108129 Produits pétroliers | 0.04267547881655932 | 0 | 0.0003003450054018837 | 0.0001656455289788022 | 2.994972208086262e-06 | 0.0022323165389766747 | - | 0 | 0 | 0.005880049350344075 Produits pharmaceutiques | 0 | 0.0011523131045643507 | 0.000125193953967526 | 0.006219696944206384 | 0.003908199546985145 | 0.004110123084042515 | - | 0 | 0 | 0.003409829259816034 Produits alimentaires | 0.047180508708610354 | 0.011425086724603085 | 0.1440057749309362 | 0.07247926670361923 | 0.031510705727809375 | 0.03738892644542588 | - | 0.020462138055567715 | 0.006532205037140109 | 0.04664932051315818 Matériaux de construction | 0 | 0 | 0.022626906816462053 | 0.01625437161079337 | 0.02562287285878394 | 0.03161461649821534 | - | 0 | 0 | 0.016220698089875182 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.031740382185625214 | 0.05493158522946484 | 0.04731435496242427 | 0.029372999150285614 | 0.022365220768660918 | 0.0011923596444681404 | - | 0.11978847198626086 | 0 | 0.026772974874175993 S-Total | 0.12176072496936949 | 0.09772467804542737 | 0.21865026212718697 | 0.16732116771368588 | 0.13562726280545115 | 0.10117331478283652 | - | 0.14025061004182857 | 0.006532205037140109 | 0.13103009268845076 (2) Commerce de détail Produits pétroliers | 0.002162154061512248 | 0.0058897828455667205 | 0 | 0.005424645210495647 | 0.0036042865499599265 | 0.008008453857289847 | - | 0 | 0 | 0.003726867427955491 Produits pharmaceutiques | 0 | 0 | 0 | 0.0004582161762844423 | 0.00010862316820285478 | 0.003506542408842781 | - | 0 | 6.992600183687968e-05 | 0.0004227012106269698 Véhicules automobiles | 0.000190285332362911 | 0 | 0.02029278256037546 | 0.04679906788306287 | 0.07666951927637915 | 0.020315980970634476 | - | 0.17250110925822046 | 0 | 0.04663215876096451 Produits alimentaires | 0.0001252136643009829 | 0 | 0.002370222028698925 | 0.03544175503263047 | 0.022903419817279985 | 0.03063002894811659 | - | 0 | 0.0014393591722641746 | 0.02017495628236293 Librairie ,papeterie | 0.00017549631689429097 | 0 | 0 | 0.0022407953014165548 | 0.0009775489163421148 | 0.001955835291148277 | - | 0 | 0.0003743097745385912 | 0.0011515372122252955 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0022415668945517195 | 0.012534061166548385 | 0.008544139595462318 | 0.03577225123092632 | - | 0 | 0 | 0.009087704823249367 Matériaux de construction | 0.0013882941787575905 | 0 | 0 | 0.010990464578291021 | 0.009726494072171459 | 0 | - | 0.011212466416078041 | 0 | 0.006945297856842927 Autres | 0.00690459694855286 | 0.25899753566348727 | 0.01206931418720618 | 0.0395139233992822 | 0.03231971256327561 | 0.009871275959314096 | - | 0.05922816508010952 | 0.0005920205617702208 | 0.03082898907111498 S-Total | 0.010946040502380884 | 0.264887318509054 | 0.036973885670832284 | 0.1534029287480116 | 0.15485374395907342 | 0.11006036866627238 | - | 0.24294174075440803 | 0.0024756155104098663 | 0.11897021264534248 [Secteur d'activité mars 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1346000 | 505467.12 | 700141.81 | 7112677.18 | 7311072.27 | 1156486.7000000002 | 9658.48 | 954303.3799999999 | 30658 | 19126464.939999998 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1768018 | 43322.09 | 129499.81 | 3826561.71 | 2272324.1100000003 | 2508716.33 | 272075.55 | 680323.03 | 879133 | 12379973.63 Industries Manufacturières ( 200 à 290 ) | 1226681 | 6907.8 | 285372.97 | 3564949.5300000003 | 4857653.7299999995 | 667798.42 | 20656.68 | 686052.42 | 313798 | 11629870.55 Prêts aux Particuliers ( 1560 ) | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1672269 | 298232.1 | 540172.53 | 884899.76 | 5168082.5 | 545984.2000000001 | 2743247.49 | 0 | 836492 | 12689379.58 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 556917 | 132582.28 | 35873.659999999996 | 417680.73 | 1125330.21 | 29026.32 | 0 | 65031.99 | 392649 | 2755091.19 Bâtiments et Travaux Publics ( 600 ) | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999 Électricité, Gaz et Eau ( 300 à 500 ) | 1001049 | 12606.49 | 219902.50799999997 | 1241264.75 | 2243616.34 | 98746.01000000001 | 0 | 70457.76 | 0 | 4887642.857999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09 Total | 10142663 | 1393961.41 | 2738950.1580000003 | 22176934.220000003 | 25168847.91 | 5472342.2 | 3479433.83 | 2490403 | 3403598 | 76467133.728 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.13270676547175037 | 0.3626119893806817 | 0.25562415144905315 | 0.3207240960107785 | 0.290481006367208 | 0.21133303761595906 | 0.0027758769017889326 | 0.38319235079623654 | 0.009007526740819567 | 0.2501266100549085 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17431497033865762 | 0.03107839979587383 | 0.04728082021564117 | 0.17254692068974353 | 0.09028319922014262 | 0.4584355726145927 | 0.07819535110975225 | 0.27317788727366615 | 0.2582951923229477 | 0.16189927654456887 Industries Manufacturières ( 200 à 290 ) | 0.12094269522708188 | 0.004955517384085977 | 0.10419064004011713 | 0.1607503316118868 | 0.19300262560170556 | 0.12203155350920855 | 0.0059367934581471835 | 0.27547847476894305 | 0.09219596438827382 | 0.15208979313084264 Prêts aux Particuliers ( 1560 ) | 0.25355490959326954 | 0.16229340954280794 | 0.2825315633217156 | 0.11732403289781682 | 0.058596677339928356 | 0.038184640573098665 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.11607285270521342 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.16487474739129163 | 0.2139457361305289 | 0.19721882430837573 | 0.03990180749158573 | 0.20533647461656898 | 0.09977157495742865 | 0.788417778302742 | 0 | 0.24576697953166032 | 0.16594553713935697 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05490836085158306 | 0.09511187257328738 | 0.013097595038456334 | 0.01883401582276957 | 0.04471123247373145 | 0.005304185838378309 | 0 | 0.02611303873308858 | 0.11536291888760071 | 0.03602974318090815 Bâtiments et Travaux Publics ( 600 ) | 6.901540552022679e-07 | 0.12095943172487107 | 0.019769253500961297 | 0.11388533351568013 | 0.024811443584268532 | 0.04689487437390154 | 0 | 0.010398300997870626 | 0.11008761904314199 | 0.052703486367559525 Électricité, Gaz et Eau ( 300 à 500 ) | 0.09869686097231073 | 0.009043643467863289 | 0.08028715212567952 | 0.05597098037476164 | 0.08914259198604692 | 0.018044560517432556 | 0 | 0.028291710217181715 | 0 | 0.06391821714392688 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 6.248158497716823e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150194 Total | 1 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 [Secteur d'activité déc. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | 6805.65 | 3434.57 | 348108.23 | 1240812.27 | 215906.73 | 19524.08 | 424133.56 | 154234 | 2774261.0900000003 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 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97 Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.559999995 | 25162945.939999998 | 5672059.329999999 | 3411437.5100000002 | 1798984.06 | 3549306 | 76669787.31 (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 DECEMBRE 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 | 0.001237420153735392 200 | Industrie alimentaire | 0.033416709705202066 | 0.004930014676059646 | 0.0014766046256150976 | 0.015432658909306568 | 0.04931108912917691 | 0.03806496325912022 | 0.005723124032836234 | 0.23576282271228127 | 0.0434546922694183 | 0.03618454136024654 210 | Industrie des boissons | 0.00036616667973854276 | 0 | 0.0037504305206807645 | 0.025977614149216687 | 0.0843880372776416 | 0.019395065107684625 | - | 0.2221928192070807 | 0.01901188570385309 | 0.04303273839354544 220 | Industrie du bois | 0.0005720487280078017 | 0.00033534661553096207 | 0.0021039714575413152 | 0.00014487559242630643 | 0 | 0 | - | 0 | 0 | 0.000193161485372588 230 | Industrie chimique | 0 | 0.0002311199051371772 | 0 | 0.018288205203259196 | 0.0037433009721754384 | 0.014461620590982079 | - | 0 | 0 | 0.007683056790261493 240 | Industrie du textile | 0.026652661261322586 | 0 | 0.024325250903847837 | 0.026871810741984636 | 0.010383389155745253 | 0.018286517112295442 | - | 0 | 0.0023125647661824595 | 0.017270071907807407 250 | Industrie pharmacie | 0 | 0 | 0.008147699138539032 | 0.00027565464208086565 | 0.0006035052507846384 | 0 | - | 0 | 0 | 0.0005263517927450475 260 | Imprimerie, édition | 0.0068124205513569345 | 0 | 0.0014001641097908853 | 0.003968357890278985 | 0.0018511656032274575 | 0.006937864664402234 | - | 0 | 0.00021356287679901367 | 0.003301380881318634 270 | Sidérurgie, aciérie | 0.03983845380916935 | 0 | 0.009284586290622206 | 0.024349746081529077 | 0.015119228523844298 | 0.01145527509847116 | - | 0.07863607752033111 | 0.014069511053710218 | 0.021369546694781357 280 | Industrie de la fabrication | 0.0063902051199332295 | 0 | 0.01790650467645922 | 0.04043353120410035 | 0.02145091005190945 | 0.011838640270358388 | - | 0 | 0.0028349204041578833 | 0.0213873517526522 290 | Autres industries | 0 | 0 | 0.03626325602899955 | 0.005192341853219888 | 0.004392118882404593 | 0.00794186861934676 | - | 0.0013382831196403152 | 0.0011982624208788986 | 0.004743661652920268 300 | Production et distribution de l'électricité | 0.12920476625265814 | 0 | 0.11995995445606998 | 0.040927966211580485 | 0.0038041308926326776 | 0.0002605420560718994 | - | 0.039247974214957744 | 0 | 0.03608974169723701 400 | Production et distribution de gaz | 0 | 0 | 0.0018152300917781033 | 0.000460033094641038 | 0.09268838813870615 | 0.01611923019147968 | - | 0 | 0 | 0.0318031548743056 500 | Traitement et distribution de l'eau | 0 | 0.011488452175978152 | 0.00409630020895647 | 0.012128563523730778 | 0.0022157799064126595 | 0 | - | 0 | 0 | 0.0047126614364935565 600 | Entrep/ batiment et corps/ métiers corresp. | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245013 | 0.026448427842546963 | 0.039643374111180185 | - | 0.01249961603328492 | 0.10905089614702142 | 0.05383866950497739 700 | Commerce de gros(1) | 0.10796423164745594 | 0.09934201419841909 | 0.23140391524108794 | 0.1754344109645601 | 0.1417714809111099 | 0.0740236668152059 | 0.0020282300290471976 | 0.14253305835294616 | 0.007645438291316669 | 0.13144185387202162 800 | Commerce de détail(2) | 0.009488239751032555 | 0.29969229360105076 | 0.023715880697300705 | 0.1561870410282358 | 0.15609231484125663 | 0.11960056666050425 | 0.0018413410714945206 | 0.2251573590929983 | 0.0027695555131059422 | 0.11897514053505463 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006990555692851361 | 0.00022586075919987615 | 0.0020726987740708252 | 0.0004088245668232644 | 0.0006406956498035541 | 0.0026095160750019874 | - | 0 | 0.0007145058780505259 | 0.0016094433587127686 1000 | Hotels,motels et pensions | 0.01497509807606648 | 0 | 0.006456639742938371 | 0.04491945569641875 | 0.010470235107932678 | 0.10070167936695402 | 0.006579859643977473 | 0 | 0 | 0.026702221981160727 1100 | Transport | 0.0076802513055844535 | 0.04067515466742538 | 0.016923057457433756 | 0.011742114231626286 | 0.018539008155576877 | 0.00413217292633644 | - | 0 | 0 | 0.012173610137017607 1200 | Immobilier résidentiel | 0.10055368027572287 | 0.1693827112951706 | 0.06530807679647584 | 0.0075630379198516765 | 0.04073076190855577 | 0.10971834633471651 | 0.5729166383000813 | 0 | 0.22701790152779164 | 0.07892255375033204 1300 | Immobilier commercial | 0.05082548897448912 | 0.03216018448678284 | 0.03690962120959997 | 0.030042917524514844 | 0.16463375750510395 | 0.0022693785891693065 | 0.29523893286850794 | 0 | 0.007911687524265307 | 0.08540850013739265 1400 | Télécommunications | 0.047880339799719125 | 0 | 0.028136820939463143 | 0.005295217754714124 | 0.024381697256867372 | 0.0006864561481940635 | - | 0.013782495660356213 | 0.12321620057554913 | 0.0232439216610108 1500 | Services financiers | 0.0007456518747290052 | 0 | 0.021436788231262896 | 0.07285813359940094 | 0.04803663501412745 | 0.1530244800877286 | - | 0.007330581906323283 | 0.26598946385575095 | 0.06176263318500655 1510 | Services professionnels | 0.10077658042681402 | 0.016590533647421697 | 0.04186555477845808 | 0.004885983994917362 | 0.008556627292901143 | 0.02633967688063658 | 0 | 3.891085060531331e-07 | 0.0072966377088929495 | 0.02231256209285028 1520 | Services médicaux | 0.011413042674002703 | 0 | 0.0007122553575139047 | 0.00039767394746310507 | 0.001621577620414345 | 0.007577438369284478 | - | 0 | 0.0002710389016895134 | 0.0028534084634334947 1530 | Services d'agence ou de représentation | 5.651120013140935e-05 | 0 | 0.001997075114152496 | 0.005505554469654839 | 0.001236097715830486 | 0.02446432273126452 | - | 0 | 0.00021243589591880778 | 0.003913714913369309 1540 | Services d'enseignement | 0.00227441394833304 | 0 | 0.0030236523250085816 | 0.006950759769297376 | 0.00039353500276208123 | 0.0035758793799499982 | - | 0 | 0.0016792015115067566 | 0.002928853305566839 1550 | Autres services | 0.030665418919098898 | 0.03583534955659604 | 0.0030456988359842036 | 0.027048391918252403 | 0.0059572730616453415 | 0.13824267596298223 | - | 0.016077435394285817 | 0.007199435607975193 | 0.025912777245188368 1560 | Crédit à la consommation | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.1188258047051585 | 0.05683279268691224 | 0.04746573234451693 | 0.11567187405405528 | 0.0054410876770081 | 0.15593020156616533 | 0.11846529498348234 Total | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9988369497538384 | 1 | 1 | 1 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.00014382146678288305 | 0.031031373282964913 | 0.012271484399107661 | 0.043063578919955554 | 0.05666598948310581 | 0.02671692787106302 | - | 0.007185255438005382 | 0 | 0.034363637521873804 Produits pétroliers | 0.037558675458859846 | 0 | 0.0003365188377741497 | 0.00022679088310039656 | 2.9231473999661585e-05 | 0.0012889498460165085 | - | 0 | 0 | 0.005478428136257731 Produits pharmaceutiques | 0 | 0.001377258763338056 | 0.00015497906155406073 | 0.005405501246017875 | 0.003707027794854453 | 0.0036810263760058384 | - | 0 | 0 | 0.0031087885901688434 Produits alimentaires | 0.043891167012701425 | 0.011857693479994831 | 0.13068321316358306 | 0.07448394240234109 | 0.033469001284990245 | 0.03001290890939958 | - | 0.03010392432270912 | 0.007645438291316669 | 0.04654635685332775 Matériaux de construction | 0 | 0 | 0.03095265652353186 | 0.01902611401993476 | 0.025551595649138056 | 0.010574113652651092 | - | 0 | 0 | 0.015704887443230866 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.02637047521942254 | 0.05507568142811862 | 0.05700506325553716 | 0.033228483493210434 | 0.02234863522502167 | 0.0017498053921096769 | - | 0.10524387859223165 | 0 | 0.02614950047916078 S-Total | 0.1079641391577667 | 0.09934200695441642 | 0.23140391524108794 | 0.17543441096456008 | 0.14177148091110992 | 0.07402373204724572 | - | 0.14253305835294616 | 0.007645438291316669 | 0.13135159902401977 (2) Commerce de détail Produits pétroliers | 0.0021547322904442614 | 0.006075400157983005 | 0 | 0.005849391833019675 | 0.003720921239637651 | 0.00822558391680293 | - | 0 | 0 | 0.003963901696651256 Produits pharmaceutiques | 0 | 0 | 0 | 0.00037806726442309214 | 5.1927147286952375e-05 | 0.003357510719127122 | - | 0 | 0 | 0.0003766614074881278 Véhicules automobiles | 0 | 0.026413959054057266 | 0 | 0.041753209133356 | 0.07612058876441716 | 0.021948113155579426 | - | 0.09719343483232419 | 0.0002783642774108516 | 0.041659436292493864 Produits alimentaires | 0.00011662949814354696 | 0 | 0.0032405963558862854 | 0.03477045650280998 | 0.02394483545117055 | 0.027436948548279733 | - | 0 | 0.001414642749878427 | 0.020298338427724015 Librairie ,papeterie | 0.0001565850438993061 | 0 | 0 | 0.001968043087440235 | 0.0009025425740750927 | 0.0016219858546507836 | - | 0 | 0.000393879817631954 | 0.0010355315018546383 Appareils électro- ménagers électroni.équip. inform. | 0.0012904161444082215 | 0 | 0.0026759984514647633 | 0.012405012611974709 | 0.00800820740466925 | 0.034401085857471106 | - | 0 | 0 | 0.009086059899753229 Matériaux de construction | 0 | 0 | 0 | 0.009796824135495746 | 0.010015967947511317 | 0 | - | 0.01867839785084032 | 0 | 0.006611188158779307 Autres | 0.005769876774137219 | 0.26720293438901055 | 0.017799290189191266 | 0.04926603645971638 | 0.03332732431248867 | 0.022563057357864416 | - | 0.10928552640983379 | 0.0006826686681847099 | 0.035862085789839925 S-Total | 0.009488239751032555 | 0.2996922936010508 | 0.023715884996542314 | 0.15618704102823583 | 0.15609231484125663 | 0.11955428540977552 | - | 0.22515735909299828 | 0.0027695555131059422 | 0.11889320317458435 [Secteur d'activité déc. 14 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT AU 31 mars 2016 RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | 7587.63 | 243434.72 | 3630140.9499999997 | 4812230.850000001 | 728189.27 | 19524.08 | 967727.5 | 294931 | 11936862 Prêts aux Particuliers ( 1560 ) | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97 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 | 1380452.28 | 2325991.63 | 22556594.56 | 25162945.94 | 5672059.330000001 | 3411437.51 | 1798984.0599999998 | 3549306 | 76669787.30999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1174524713984885 | 0.39903430779946986 | 0.2551197959383887 | 0.33162145199279586 | 0.2978637957523665 | 0.19362423347571012 | 0.0038695711005417186 | 0.3676904174459445 | 0.010414993804422611 | 0.2504169944070763 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1678972728120269 | 0.05265174396321761 | 0.08061036315938935 | 0.16297477796222798 | 0.07691267646541707 | 0.4565356688538023 | 0.006579859643977474 | 0.023408406409115155 | 0.2833627193597847 | 0.14799561454528837 Industries Manufacturières ( 200 à 290 ) | 0.11404866585473052 | 0.005496481196727785 | 0.10465846775209592 | 0.1609347962674025 | 0.19124274484690962 | 0.12838181472266086 | 0.005723124032836235 | 0.5379300025593334 | 0.08309539949499986 | 0.155691862711651 Prêts aux Particuliers ( 1560 ) | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.11882580470515848 | 0.056832792686912235 | 0.04746573234451692 | 0.1156718740540553 | 0.0054410876770081005 | 0.15593020156616533 | 0.11846529498348235 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.151379169250212 | 0.20154289578195342 | 0.1022176980060758 | 0.03760595544436651 | 0.2053645194136597 | 0.11198772492388578 | 0.8681555711685893 | 0 | 0.23492958905205694 | 0.16433105388772473 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05556059110530358 | 0.04067515466742538 | 0.045059878396896895 | 0.017037331986340408 | 0.04292070541244424 | 0.004818629074530501 | 0 | 0.013782495660356215 | 0.12321620057554913 | 0.035417531798028416 Bâtiments et Travaux Publics ( 600 ) | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245012 | 0.02644842784254696 | 0.03964337411118017 | 0 | 0.012499616033284922 | 0.10905089614702142 | 0.053838669504977406 Électricité, Gaz et Eau ( 300 à 500 ) | 0.12920476625265814 | 0.011488452175978152 | 0.12587148475680457 | 0.0535165628299523 | 0.09870829893775147 | 0.017542822493713226 | 0 | 0.03924797421495775 | 0 | 0.07260555800803618 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7.172580930585296e-05 | 0.0037060386419921704 | 0 | 0 | 0 | 0 | 0.0012374201537353922 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999997 | 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. 14glo] 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 [classifiprêts] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS QUALITÉ DU PORTEFEUILLE AU 31 MARS 2020 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 13761331.82514 | 183084 | 9868518.25 | 10018647.126949998 | 16587237 | 31681996.79 | 2901963.7564100004 | 668206 | 0 | 85670984.74849999 A signaler | 3756154.66116 | 87838 | 3695157 | 866275.35384 | 12398762 | 2583920.61 | 1268505.38502 | 0 | 0 | 24656613.01002 Restructurés | 0 | 0 | 0 | 0 | 0 | 861384.76 | 175696.55221 | 0 | 0 | 1037081.31221 Faible | 367928.78578 | 37902 | 1074925.21 | 53861.109970000005 | 2697820 | 933292.1000000001 | 491306.67061000003 | 0 | 0 | 5657035.87636 Douteux | 1299260.07855 | 163033 | 497790.54 | 3475.36982 | 1693208 | 288490.98 | 33499.18174 | 0 | 0 | 3978757.15011 Perte | 3688690.86996 | 874794 | 12623 | 2990.52428 | 128463 | 268977.39999999997 | 186473.58642 | 0 | 0 | 5163012.380659999 TOTAL | 22873366.22059 | 1346651 | 15149014 | 10945249.484859997 | 33505490 | 36618062.63999999 | 5057445.13241 | 668206 | 0 | 126163484.47785999 Provisions spécifiques | 4150394 | 835223 | 413041 | 82828 | 1398865 | 609018.77 | 134140.4326 | 0 | 0 | 7623510.2025999995 Provisions générales | 172017 | 2491 | 123381 | 136439 | 222154 | 395442.35 | 35113.33219 | 8352.58 | 0 | 1095390.2621900002 TOTAL 1 | 4322411 | 837714 | 536422 | 219267 | 1621019 | 1004461.12 | 169253.76479 | 8352.58 | 0 | 8718900.46479 Portefeuille de Prêts Net | 18550955.22059 | 508937 | 14612592 | 10725982.484859997 | 31884471 | 35613601.519999996 | 4888191.36762 | 659853.42 | 0 | 117444584.01307 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 0.6016312462462308 | 0.13595504700178443 | 0.6514297399157464 | 0.9153420523495859 | 0.49506027221210613 | 0.8652013379700747 | 0.5738003439351484 | 1 | #DIV/0! | 0.6790473892113696 A signaler | 0.16421521104221246 | 0.0652269964526815 | 0.24392062744149554 | 0.07914624102797056 | 0.37005165422144254 | 0.07056409934635473 | 0.25081940620392357 | 0 | #DIV/0! | 0.19543383025654232 Restructurés | 0 | 0 | 0 | 0 | 0 | 0.023523493541109965 | 0.03474017959860222 | 0 | #DIV/0! | 0.008220138469558472 Faible | 0.01608546736110928 | 0.02814537693879112 | 0.07095677712094002 | 0.004920957721841181 | 0.08051874483853243 | 0.025487205840882255 | 0.0971452300019081 | 0 | #DIV/0! | 0.04483893180163976 Douteux | 0.056802311737589394 | 0.12106551734636517 | 0.032859599971324864 | 0.00031752312496917504 | 0.05053524064265289 | 0.007878379116782243 | 0.00662373606889469 | 0 | #DIV/0! | 0.03153651919631483 Perte | 0.16126576361285808 | 0.6496070622603778 | 0.0008332555504932532 | 0.00027322577563322235 | 0.0038340880852660267 | 0.007345484184796294 | 0.036871104191523014 | 0 | #DIV/0! | 0.04092319106457494 TOTAL | 1 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 Provisions spécifiques | 0.1814509486698956 | 0.6202223144675197 | 0.02726520683128288 | 0.007567483967777229 | 0.0417503221113913 | 0.016631649139589765 | 0.026523358946670114 | 0 | #DIV/0! | 0.06042564720014391 Provisions générales | 0.007520405975275946 | 0.001849773994895485 | 0.00814449045990716 | 0.012465590682855522 | 0.006630376096574024 | 0.010799106274072398 | 0.006942899284261264 | 0.012500007482722394 | #DIV/0! | 0.008682308250468673 TOTAL | 0.18897135464517156 | 0.6220720884624152 | 0.03540969729119004 | 0.02003307465063275 | 0.048380698207965325 | 0.02743075541366216 | 0.03346625823093138 | 0.012500007482722394 | #DIV/0! | 0.06910795545061257 Portefeuille de Prêts Net | 0.8110286453548284 | 0.37792791153758476 | 0.96459030270881 | 0.9799669253493672 | 0.9516193017920347 | 0.9725692445863381 | 0.9665337417690686 | 0.9874999925172776 | #DIV/0! | 0.9308920445493875 1 Tel que soumis au formulaire transmis à la BRH, un écart existe par rapport au chiffre définitif soumis dans le Bilan transmis à la BRH à la même date. REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (2)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 31 MARS 2020 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 17703373.56355 | 1070781 | 11583137 | 9509724.710949998 | 30096934 | 31595496.759999998 | 1361868.2113899998 | 668206 | 103589521.24589 Prêts à la Consommation | 3065196.46344 | 25429 | 1328102 | 306965.97221 | 2783436 | 2061366.74 | 87514.96826 | 0 | 9658011.14391 Prêts au Logement | 2104796.1936 | 250441 | 2237775 | 1128558.8017 | 625120 | 2961199.1400000006 | 3608061.9527600002 | 0 | 12915952.088059999 TOTAL | 22873366.22059 | 1346651 | 15149014 | 10945249.484859997 | 33505490 | 36618062.64 | 5057445.13241 | 668206 | 126163484.47786 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.7739732487478774 | 0.7951436563742202 | 0.7646132612987222 | 0.8688449472169925 | 0.8982687314825123 | 0.8628391149641661 | 0.2692798786214484 | 1 | 0.8210737177607723 Prêts à la Consommation | 0.13400723067515927 | 0.01888314047217876 | 0.08766920408153296 | 0.02804558933394897 | 0.08307402756981021 | 0.056293713850067297 | 0.017304185407602615 | 0 | 0.07655155676684605 Prêts au Logement | 0.09201952057696335 | 0.18597320315360105 | 0.14771753461974488 | 0.10310946344905865 | 0.01865724094767753 | 0.08086717118576649 | 0.713415935970949 | 0 | 0.10237472547238163 TOTAL | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (5)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 30 SEPTEMBRE 2019 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 16932730.44452 | 1098033 | 11480175 | 10070095.266819999 | 29845403 | 33993003.65 | 1320535.22162 | 610584 | 105350559.58295998 Prêts à la Consommation | 3272516.66902 | 25896 | 1566199 | 434269.84787 | 3068786 | 2349998.29 | 79259.31258 | 0 | 10796925.11947 Prêts au Logement | 2073695.43736 | 255105 | 2266008 | 1101088.5214 | 457226 | 2908558.09 | 3455769.86766 | 0 | 12517450.916420002 TOTAL | 22278942.5509 | 1379034 | 15312382 | 11605453.63609 | 33371415 | 39251560.03 | 4855564.40186 | 610584 | 128664935.61885 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.7600329506588709 | 0.796233450371782 | 0.749731491808394 | 0.8677037178025142 | 0.8943403508661529 | 0.8660293660689948 | 0.2719632801315844 | 1 | 0.8187977484016683 Prêts à la Consommation | 0.14688833015944916 | 0.018778362244875762 | 0.10228317188011636 | 0.037419463425327176 | 0.09195852198655646 | 0.05987018829834774 | 0.016323398480645932 | 0 | 0.0839150547702773 Prêts au Logement | 0.09307871918167988 | 0.18498818738334225 | 0.1479853363114896 | 0.0948768187721586 | 0.013701127147290578 | 0.07410044563265732 | 0.7117133213877698 | 0 | 0.09728719682805437 TOTAL | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts ] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS QUALITÉ DU PORTEFEUILLE AU 30 SEPTEMBRE 2014 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 8793982.69 | 620397 | 2573916 | 5242601.36 | 12812969.49 | 19612204.26 | 2401486.31 | 1520241 | 1863998 | 55441796.11 A signaler | 781905.91 | 173929 | 97047 | 174026.28 | 4688561.58 | 4122544.28 | 822149.69 | 20000 | 163724 | 11043887.74 Restructurés | 0 | 0 | 0 | 0 | 372881.96 | 0 | 22099.24 | 0 | 0 | 394981.2 Faible | 83919.21 | 33997 | 29155 | 12077.12 | 569900.34 | 230488.44 | 35609.31 | 47179 | 39547 | 1081872.42 Douteux | 377908.78 | 240574 | 16680 | 23506.04 | 523594.56 | 75889.09 | 146694.95 | 504 | 16411 | 1421762.4200000002 Perte | 104950.75 | 325065 | 22153 | 20131.39 | 332287.7 | 70604.76 | 51394.33 | 0 | 86502 | 1013088.93 TOTAL | 10142667.34 | 1393962 | 2738951 | 5472342.19 | 19300195.63 | 24111730.830000006 | 3479433.8300000005 | 1587924 | 2170182 | 70397388.82 Provisions spécifiques | 212137 | 380075 | 26409 | 43482 | 672585.86421 | 194740.18 | 57031.14457 | 9820 | 78189.8 | 1674469.98878 Provisions générales | 109924 | 7755 | 32174 | 68029 | 189072.26386 | 245132.56 | 33648.94897 | 19003 | 23300 | 728038.77283 TOTAL 1 | 322061 | 387830 | 58583 | 111511 | 861658.1280700001 | 439872.74 | 90680.09354 | 28823 | 101489.8 | 2402508.7616099995 Portefeuille de Prêts Net | 9820606.34 | 1006132 | 2680368 | 5360831.19 | 18438537.50193 | 23671858.090000007 | 3388753.7364600007 | 1559101 | 2068692.2 | 67994880.05839 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 0.8670286025569286 | 0.4450601953281366 | 0.939745179815192 | 0.9580178245395872 | 0.66387770029044 | 0.8133884870512217 | 0.6901945624871962 | 0.9573764235567949 | 0.8589132155736247 | 0.7875547238230647 A signaler | 0.0770907576665134 | 0.12477312867926098 | 0.03543217823173909 | 0.03180105957518713 | 0.24292818942789132 | 0.17097670462008882 | 0.23628835326924433 | 0.012595061224592613 | 0.07544252048906497 | 0.1568792241462004 Restructurés | 0 | 0 | 0 | 0 | 0.01932011297441963 | 0 | 0.006351389645481488 | 0 | 0 | 0.005610736514814954 Faible | 0.008273879758339783 | 0.024388756651902994 | 0.010644586193765423 | 0.0022069380131362 | 0.02952821571995641 | 0.00955918269099224 | 0.010234225376833791 | 0.029711119675752743 | 0.018222895591245344 | 0.015368075977452142 Douteux | 0.037259309344557484 | 0.17258289680780395 | 0.006089922747796511 | 0.004295425831183265 | 0.027128976826853026 | 0.0031473928825374157 | 0.04216058047581839 | 0.00031739554285973383 | 0.007562038575566473 | 0.020196238011545048 Perte | 0.010347450673660762 | 0.23319502253289545 | 0.00808813301150696 | 0.003678752040906272 | 0.017216804760439623 | 0.0029282327551596998 | 0.014770888745425573 | 0 | 0.03985932977049851 | 0.01439100152692283 TOTAL | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 Provisions spécifiques | 0.02091530688021165 | 0.2726580781972536 | 0.0096420125807289 | 0.007945775042989408 | 0.03484865527293104 | 0.008076574069817615 | 0.016390926615207392 | 0.006184175061274973 | 0.03602914409943498 | 0.023785967304291274 Provisions générales | 0.010837780271713024 | 0.005563279343339345 | 0.011746833002854012 | 0.01243142289681998 | 0.009796391056581224 | 0.010166526896319037 | 0.009670811578560755 | 0.011967197422546672 | 0.010736426714441461 | 0.01034184342677158 TOTAL | 0.031753087151924674 | 0.2782213575405929 | 0.02138884558358291 | 0.02037719793980939 | 0.04464504632951226 | 0.01824310096613665 | 0.02606173819376815 | 0.018151372483821645 | 0.046765570813876445 | 0.03412781073106286 Portefeuille de Prêts Net | 0.9682469128480753 | 0.721778642459407 | 0.9786111544164171 | 0.9796228020601906 | 0.9553549536704877 | 0.9817568990338632 | 0.9739382618062318 | 0.9818486275161784 | 0.9532344291861236 | 0.9658721892689371 1 Tel que soumis au formulaire transmis à la BRH, un écart existe par rapport au chiffre définitif soumis dans le Bilan transmis à la BRH à la même date. REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (4)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 30 Septembre 2017 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 9790933.92852 | 979685 | 5498981 | 5893131.915440001 | 20529064.645 | 25084793.99 | 1076516.94092 | 587416.08 | 0 | 69440523.49987999 Prêts à la Consommation | 2889189.07423 | 49690 | 1366380 | 1049226.73957 | 2641336.893 | 1726360.7 | 116907.90899 | 2079.31 | 0 | 9841170.62579 Prêts au Logement | 1708159.42971 | 292818 | 1709311 | 791483.50751 | 245336.479 | 2571857.71 | 2935827.81986 | 0 | 0 | 10254793.94608 TOTAL | 14388282.43246 | 1322193 | 8574672 | 7733842.162520001 | 23415738.016999997 | 29383012.4 | 4129252.66977 | 589495.39 | 0 | 89536488.07175 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.6804796871676377 | 0.740954611013672 | 0.6413051134783931 | 0.7619927833541121 | 0.8767208033373003 | 0.8537175715176161 | 0.2607050299443076 | 0.9964727289894497 | #DIV/0! | 0.7755555862793487 Prêts à la Consommation | 0.20080152636648155 | 0.03758150285170168 | 0.15935070169447882 | 0.13566694503474572 | 0.11280177849113149 | 0.05875370014818494 | 0.02831212288021885 | 0.0035272710105502267 | #DIV/0! | 0.1099124037331438 Prêts au Logement | 0.1187187864658806 | 0.22146388613462634 | 0.19934418482712807 | 0.10234027161114218 | 0.010477418171568366 | 0.08752872833419899 | 0.7109828471754736 | 0 | #DIV/0! | 0.1145320099875073 TOTAL | 0.9999999999999999 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [suffondspropres] CIRCULAIRE 88 - SUFFISANCE DES FONDS PROPRES AU 31 MARS 2020 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME Actif bilan et hors bilan net des déductions | 89158.02021458 | 29486.737 | 30385.73 | 125618.658649 | 142685.73437642 | 417334.88023999997 | 9061.28968755 | 9061.28968755 | 6874.355 | 6874.355 | 433270.52492754994 Actif pondéré en fonction des risques | 21261.44056328 | 11612.975 | 12577.298 | 45840.439788 | 52690.40237338 | 143982.55572466 | 4776.35052451 | 4776.35052451 | 1513.554 | 1513.554 | 150272.46024917 Fonds propres réglementaires | 7365.88866005 | 2916.854 | 4478.859 | 7668.715661 | 12176.37407307 | 34606.691394120004 | 739.88521914 | 739.88521914 | 644.459 | 644.459 | 35991.035613260006 Ratio actif / fonds propres | 12.104177015075162 | #DIV/0! | 10.109089107648172 | 6.7842568832821035 | 16.38066453393831 | 11.71824498164789 | 12.059369544668723 | 12.246885669756075 | 12.246885669756075 | 10.666861662262455 | #DIV/0! | 10.666861662262455 | 12.038290022638918 Ratio fonds propres sur actif à risques | 0.3464435365104755 | #DIV/0! | 0.25117198650647227 | 0.356106613678073 | 0.167291494070864 | 0.23109282762322747 | 0.24035336239133648 | 0.1549059716918293 | 0.1549059716918293 | 0.4257918779244083 | #DIV/0! | 0.4257918779244083 | 0.23950519977900472 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…………………………………………………………………………………………………. | 329069.3703402191 | 401945.07524158363 | 0 | 0.22146000652087316 | -1 Bons BRH …………………………………………………………..……………………….. | 12939 | 1840 | 0 | -0.8577942653991808 | -1 Prêts nets…………………………………………………………………………………….. | 102223.21686079065 | 124751.43468466097 | 0 | 0.2203825952234475 | -1 Dépôts……………………………………………………………………………………………………………. | 267532.621995984 | 324498.23545609333 | 0 | 0.21292959727716676 | -1 Avoir des actionnaires……………………………………………………………………………….. | 29299.132592245744 | 33783.023178178 | 0 | 0.15303833899570662 | -1 RÉSULTATS Revenus nets d’intérêt………………………………………………………………………………… | 10542.943092949998 | 13222.010918195 | 7068.410558780001 | 0.25411005272678344 | -0.4654057841494398 Autres revenus ……………………………………………………………………………………………. | 8045.728750447364 | 10362.818568454228 | 4797.993336977871 | 0.2879900491149452 | -0.5369991952205369 Dotation à la Provision pour Créances douteuses …………………………….. | 713.68311167 | 1383.23659488 | 927.4056387500001 | 0.9381663545929539 | -0.3295393989844121 Frais d’exploitation …………………………………………………………………………………….. | 12176.28887717 | 14556.815509889997 | 7584.440781299999 | 0.19550510477649552 | -0.4789766500683422 Bénéfice net (perte nette) ………………………………………………………………………….. | 5264.723795152365 | 6843.810941555233 | 2999.5740699548737 | 0.29993732014143926 | -0.561709974812187 (en pourcentage) STRUCTURE FINANCIÈRE Avoir des actionnaires en % de l’actif…………………………………………………………. | #REF! | #REF! | 0.0791823548429326 Dépôts en % de l’actif…………………………………………………………………………………….. | #REF! | #REF! | 0.8137194379023642 QUALITÉ DE L’ACTIF Prêts improductifs bruts en % des prêts bruts …………………………………………… | #REF! | #REF! | 0.06674131581510853 Provisions pour créances douteuses en % des prêts improductifs bruts ………………………………………………………………………………………………………………………. | #REF! | #REF! | 0.6272456657542038 Prêts improductifs nets en % de l’avoir des actionnaires ……………………… | #REF! | #REF! | 0.09264077844295279 RENTABILITÉ Rendement de l’actif (ROA)…………………………………………………………………………….. | #REF! | #REF! | 0.014458665858972613 Rendement de l’avoir des actionnaires (ROE) ……………………………………………. | #REF! | #REF! | 0.17732093459868628 Revenus nets d’intérêts en % des revenus d’intérêt………………………………….. | #REF! | #REF! | 0.7602756768147578 Rendement moyen des prêts………………………………………………………………………….. | #REF! | #REF! | 0.11225992412144635 Rémunération moyenne des dépôts a………………………………………………………………………………………. | #REF! | #REF! | 0.013253001861009618 Dépenses d’exploitation en % du produit net bancaire …………………………….. | #REF! | #REF! | 0.639152421232802 Produit net bancaire par employé (en milliers de gourdes)………………………….. | #REF! | #REF! | 4925.8629704266805 Nombre d’employés……………………………………………………………………………………………… | #REF! | #REF! | #REF! 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………………………………………………………… | 86643.75777669999 | 113100.01999986374 | 67575.69997483 | 105301.37900716 | 136911.77016667125 | 81491.92487383001 | 0 | 0 | 0 | 0.21533716576034023 | 0.2105370995233793 | 0.20593534220412657 | -1 | -1 | -1 Bons BRH ………………………………………………. | 1294 | 600 | 9145 | 0 | 0 | 1000 | 0 | 0 | 0 | -1 | -1 | -0.8906506287588847 | #DIV/0! | #DIV/0! | -1 Prêts nets………………………………………………… | 28261.87366338 | 32150.952536419998 | 15966.768 | 32111.842915229994 | 38736.78290442001 | 21240.071600000003 | 0 | 0 | 0 | 0.1362248412014717 | 0.2048409097845456 | 0.33026744047386436 | -1 | -1 | -1 Dépôts………………………………………………………… | 70694.65870082822 | 97068.00053195517 | 53076.921 | 86277.04185978933 | 115985.1038547483 | 62058.7975 | 0 | 0 | 0 | 0.22041811142909662 | 0.19488506221538526 | 0.16922376676672712 | -1 | -1 | -1 Avoir des actionnaires…………………………… | 6883.075162929996 | 10389.48711537 | 6328.754 | 7520.8667434900035 | 12099.584207400001 | 7356.4489 | 0 | 0 | 0 | 0.09266084787144946 | 0.16459879809659883 | 0.16238502871181293 | -1 | -1 | -1 RÉSULTATS Revenus nets d’intérêt………………………………………………… | 2582.00389133 | 2712.9823724999997 | 2734.905 | 3313.4819794299992 | 3393.76727405 | 3221.4712438100005 | 1618.04980512 | 1602.8334917500006 | 2047.7433079900002 | 0.2832986001904172 | 0.25093598412239615 | 0.17790974231646084 | -0.511676896037218 | -0.5277126089328934 | -0.3643453090184485 Autres revenus …………………………………………………………… | 2350.8779531373634 | 2829.4358843200002 | 967.091 | 2515.902240454227 | 4449.06608539 | 929.732 | 1261.337810267871 | 1767.3677168900003 | 450.45745 | 0.0701968756381548 | 0.5724215947233757 | -0.03863028401670576 | -0.49865388647209674 | -0.6027553461851815 | -0.5154975304711464 Dotation à la Provision pour Créances douteuses ………… | 419.63304665 | 43.012 | 150 | 553.84007531 | 227.66932 | 287.5 | 361.80593923000004 | 111.324777 | 300 | 0.31981997064196177 | 4.293158188412536 | 0.9166666666666667 | -0.34673210668713883 | 0.04347826086956519 Frais d’exploitation ………………………………………………… | 3385.5892105600005 | 3686.84963189 | 2209.107 | 3997.6159051 | 4558.0583449099995 | 2479.34691 | 2004.14187171 | 2406.05335621 | 1242.34518334 | 0.18077405629455146 | 0.23630166673583308 | 0.12232993241160361 | -0.4986657249504147 | -0.47213195309427125 | -0.49892240640903296 Bénéfice net (perte nette) …………………………………….. | 911.8595872573629 | 1947.4799379299996 | 1342.889 | 1075.128239474226 | 2823.92743159 | 1384.3563338100003 | 437.6898044478707 | 761.1565874900011 | 955.8555746500003 | 0.17905021178527347 | 0.45004186004174573 | 0.030879196873308423 | -0.5928952580931965 | -0.7304617041587944 | -0.30953068129553607