(2021-12) Rapò estatistik sistèm bankè a, desanm 2021

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 1 2022 (1er octobre au 31 décembre 2021) [Sheet9] [Sheet10] [Sheet11] [Sheet12] [Sheet13] [Sheet14] [Sheet15] [tabmat] TABLE DES MATIÈRES NOTE AUX UTILISATEURS | i SECTION 1 | GRAPHES ET TABLEAUX Évolution du bilan | 5 Évolution des résultats | 12 Évolution du nombre d'employés | 18 Évolution du nombre de prêts | 19 Évolution du nombre de dépôts | 20 SECTION 2 | SOMMAIRE FINANCIER - SYSTÈME BANCAIRE Indicateurs financiers | 26 Parts de marché | 27 Bilan Analyse des variations | 32 Analyse de la composition | 33 Devises et Gourdes | 34 Résultats Analyse des variations trimestrielles | 35 Analyse des variations annuelles | 36 SECTION 3 | SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE Faits saillants financiers | 38 Ratios financiers clés décembre 2021 | 39 Ratios financiers clés septembre 2021 | 40 Ratios financiers clés juin 2021 | 41 Ratios financiers clés mars 2021 | 42 Ratios financiers clés décembre 2020 | 43 Ratios financiers clés septmebre 2020 | 44 Ratios financiers clés juin 2020 | 45 Ratios financiers clés mars 2020 | 46 Ratios financiers clés décembre 2019 | 47 Ratios financiers clés septembre 2019 | 48 Ratios financiers clés juin 2019 | 49 Ratios financiers clés mars 2019 | 50 Ratios financiers clés décembre 2018 | 51 Ratios financiers clés septembre 2018 | 52 Ratios financiers clés juin 2018 | 53 Ratios financiers clés mars 2018 | 54 Ratios financiers clés décembre 2017 | 55 Ratios financiers clés septembre 2017 | 56 Bilan au 31 décembre 2021 Gourdes et devises | 57 Devises seulement | 58 Gourdes seulement | 59 Bilan au 30 septembre 2021 | 60 Bilan au 30 juin 2021 | 61 Bilan au 31 mars 2021 | 62 Bilan au 31 décembre 2020 | 63 Bilan au 30 septembre 2020 | 64 Bilan au 30 juin 2020 | 65 Bilan au 31 mars 2020 | 66 Bilan au 31 décembre 2019 | 67 Bilan au 30 septembre 2019 | 68 Bilan au 30 juin 2019 | 69 Bilan au 31 mars 2019 | 70 Bilan au 31 décembre 2018 | 71 Bilan au 30 septembre 2018 | 72 Résultats (Trim. 1 2022/ Trim. 1 2021) | 73 Résultats (Cumul oct.-décembre 21 / Cumul oct. -décembre 20) | 74 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 76 BPH (Banque Populaire Haïtienne) | 82 BUH (Banque de l'Union Haïtienne) | 88 CAPITALBK (Capital Bank) | 94 CBNA (Citibank N.A.) | 100 SOGEBK (Société Générale Haïtienne de Banque) | 106 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 112 UNIBK (Unibank) | 118 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 125 Limites relatives à la concentration des risques de crédit | 126 Classification des prêts | 219 Suffisance des fonds propres | 204 ANNEXE 1 Information sur le calcul des ratios financiers clés | 206 [Noteutili] NOTE AUX UTILISATEURS Ce rapport a été préparé par la Direction de la Supervision de la Banque de la République d'Haïti (BRH) à partir des informations périodiques soumises par les établissements bancaires. Ce rapport ne constitue pas une analyse de la performance financière des établissements bancaires effectuée par la BRH. Toute conclusion tirée de ce rapport n'engage que l'utilisateur et ne saurait en aucune manière être attribuée à la BRH. Ce rapport comporte les cinq sections suivantes : Section 1 : Graphes et tableaux Section 2 : Sommaire financier (sommaire consolidé de l'ensemble des banques) Section 3 : Sommaire financier détaillé (sommaire détaillé banque par banque) Section 4 : Statistiques par banque ( données financières et indicateurs financiers banque par banque) Section 5 : Respect des normes prudentielles Les périodes TRIM 1 2022 et TRIM 1 2021 doivent être lues comme premier trimestre de l'exercice fiscal 2021-2022 (1er octobre au 31 décembre 2021) et premier trimestre de l'exercice fiscal 2020-2021 (1er octobre au 31 décembre 2020). Les périodes CUMUL 2022 et CUMUL 2021 doivent être lues respectivement comme période cumulative allant du 1er octobre au 31 décembre 2021 et période cumulative allant du 1er octobre au 31 décembre 2020. [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 Juin 2020 | 845 | 123 | 394 | 1254 | 1304 | 749 | 73 | 28 | 0 | 4770 Sept. 2020 | 841 | 128 | 400 | 1297 | 1323 | 772 | 71 | 26 | 0 | 4858 Déc. 2020 | 835 | 128 | 420 | 1223 | 1295 | 778 | 75 | 25 | 0 | 4779 2021-03-01 00:00:00 | 821 | 135 | 468 | 1222 | 1299 | 802 | 78 | 26 | 0 | 4851 Juin 2021 | 813 | 138 | 474 | 1215 | 1307 | 811 | 79 | 27 | 0 | 4864 Sept. 2021 | 784 | 138 | 467 | 1174 | 1308 | 812 | 77 | 24 | 0 | 4784 Déc. 2021 | 766 | 130 | 471 | 1163 | 1317 | 805 | 78 | 25 | 0 | 4755 [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 Mars 2020 | 27215 | 296 | 1036 | 48376 | 26048 | 3863 | 468 | 7 | ** | 107309 Juin 2020 | 27014 | 293 | 1008 | 46688 | 24379 | 3499 | 456 | 5 | ** | 103342 Sept. 2020 | 27862 | 290 | 967 | 47461 | 21794 | 3721 | 463 | 5 | ** | 102563 Déc. 2020 | 28589 | 284 | 1070 | 48122 | 21388 | 4071 | 457 | 5 | ** | 103986 Mars 2021 | 28708 | 284 | 924 | 46182 | 19610 | 4014 | 463 | 5 | ** | 100190 Juin 2021 | 31323 | 257 | 885 | 40162 | 18281 | 4223 | 461 | 5 | ** | 95597 Sept. 2021 | 31032 | 253 | 836 | 37883 | 16976 | 4298 | 453 | 2 | ** | 91733 Déc. 2021 | 30286 | 253 | 799 | 36274 | 15498 | 4518 | 442 | 1 | ** | 88071 Mars98 | Juin 98 1327 | 1348 1050 | 1028 875 | 869 862 | 954 664 624 | 645 496 | 518 278 | 1539 171 | 186 103 12 | 22 0 | 636 0 0 | 2545 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Décembre 2021 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 37192 | 3447 | 10233 | 26586 | 111190 | 10957 | 3802 | 142 | 203549 Épargne | 479220 | 12553 | 80988 | 565393 | 1149185 | 88554 | 3439 | 1035 | 2380367 À Terme | 3820 | 122 | 871 | 10818 | 4724 | 692 | 724 | 5 | 21776 TOTAL | 520232 | 16122 | 92092 | 602797 | 1265099 | 100203 | 7965 | 1182 | 2605692 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Septembre 2021 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38290 | 3418 | 10060 | 26702 | 170763 | 10851 | 3762 | 146 | 263992 Épargne | 494346 | 12335 | 77262 | 566030 | 1138548 | 84858 | 3453 | 1048 | 2377880 À Terme | 4072 | 122 | 882 | 10855 | 4800 | 699 | 724 | 5 | 22159 TOTAL | 536708 | 15875 | 88204 | 603587 | 1314111 | 96408 | 7939 | 1199 | 2664031 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Juin 2021 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 37936 | 3402 | 10177 | 26777 | 169591 | 10814 | 4191 | 149 | 263037 Épargne | 484012 | 12208 | 70823 | 669313 | 1110207 | 81567 | 4746 | 1112 | 2433988 À Terme | 4163 | 125 | 886 | 11001 | 4882 | 718 | 892 | 5 | 22672 TOTAL | 526111 | 15735 | 81886 | 707091 | 1284680 | 93099 | 9829 | 1266 | 2719697 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Mars 2021 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 37622 | 3448 | 9489 | 26536 | 168088 | 10552 | 4075 | 146 | 259956 Épargne | 463779 | 12184 | 65361 | 648104 | 1074533 | 76316 | 4647 | 1134 | 2346058 À Terme | 4350 | 121 | 891 | 11062 | 4942 | 707 | 881 | 5 | 22959 TOTAL | 505751 | 15753 | 75741 | 685702 | 1247563 | 87575 | 9603 | 1285 | 2628973 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 DECEMBRE 2020 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 37119 | 3387 | 8723 | 26757 | 166625 | 10293 | 3516 | 148 | 256568 Épargne | 451149 | 12040 | 61707 | 632846 | 1048368 | 71742 | 5099 | 1348 | 2284299 À Terme | 4398 | 125 | 882 | 11078 | 4991 | 691 | 874 | 5 | 23044 TOTAL | 492666 | 15552 | 71312 | 670681 | 1219984 | 82726 | 9489 | 1501 | 2563911 [dépôts P-AU-P et Prov. ] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 31 Décembre 2021 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 33382211.712186854 | 1887642.4675400003 | 12587172.820964418 | 12835188 | 45159608.50256 | 62341683.47669084 | 3034178.36791 | 3474785 | 0 | 174702470.3478521 Épargne | 15375603.485338077 | 530021.06464 | 4565748.584789953 | 6113792 | 23980559.46417 | 43796934.10933605 | 972042.92242 | 607299 | 0 | 95942000.63069408 À terme | 8871456.874405652 | 1794272.22772 | 10757451.459330473 | 8685284 | 19022439.923369996 | 22663671.036539994 | 2887906.77704 | 4422 | 0 | 74686904.29840612 TOTAL | 57629272.07193059 | 4211935.7599 | 27910372.865084846 | 27634264 | 88162607.8901 | 128802288.62256688 | 6894128.06737 | 4086506 | 0 | 345331375.2769523 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 31 Décembre 2021 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 7634321.287813141 | N/A | 1292535.764256329 | 1404935 | 6905960.41464 | 9245639.23887 | N/A | N/A | N/A | 26483391.705579475 Épargne | 15172486.514661925 | N/A | 2315612.648362528 | 1759129 | 13101713.43658 | 20802722.174049996 | N/A | N/A | N/A | 53151663.773654446 À terme | 2052828.1255943486 | N/A | 857747.908505547 | 634099 | 3025606.45081 | 1678149.60071 | N/A | N/A | N/A | 8248431.085619896 TOTAL | 24859635.928069413 | N/A | 4465896.321124404 | 3798163 | 23033280.30203 | 31726511.01363 | N/A | N/A | N/A | 87883486.56485382 | 0 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 31 Décembre 2021 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 41016532.99999999 | 1887642.4675400003 | 13879708.585220747 | 14240123 | 52065568.9172 | 71587322.71556084 | 3034178.36791 | 3474785 | 0 | 201185862.0534316 Épargne | 30548090 | 530021.06464 | 6881361.233152481 | 7872921 | 37082272.900750004 | 64599656.283386044 | 972042.92242 | 607299 | 0 | 149093664.40434852 À terme | 10924285 | 1794272.22772 | 11615199.36783602 | 9319383 | 22048046.374179997 | 24341820.637249995 | 2887906.77704 | 4422 | 0 | 82935335.38402602 TOTAL | 82488908 | 4211935.7599 | 32376269.186209247 | 31432427 | 111195888.19213 | 160528799.63619688 | 6894128.06737 | 4086506 | 0 | 433214861.8418062 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 30 septembre 2021 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 16067498.107801916 | 169191.3185 | 572072.84891899 | 9407747.70331 | 3495517.46252 | 1786938 | 1351900.24839 | 3474785 | 36325650.689440906 Place Geffrard | 0 | 0 | 0 | 4098570.61292 | 0 | 0 | 0 | 0 | 4098570.61292 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée | 1055994.6383531329 | 0 | 0 | 1803781.89512 | 0 | 0 | 0 | 0 | 2859776.533473133 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1055994.6383531329 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1055994.6383531329 Delmas | 3970726.890923608 | 52454.42735 | 765965.230967414 | 7173450.8643000005 | 9861240.42288 | 1300074 | 935467.86054 | 0 | 24059379.69696102 Delmas 52 | 3013051.672612539 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3013051.672612539 Delmas 2 | 386658.71414265706 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 386658.71414265706 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1136215 | 0 | 0 | 1136215 Delmas 32 | 571016.504168412 | 0 | 0 | 0 | 992732.9054500001 | 0 | 0 | 0 | 1563749.4096184121 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 163859 | 0 | 0 | 163859 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 935467.86054 | 0 | 935467.86054 Delmas 48 | 0 | 0 | 0 | 1071256.82286 | 0 | 0 | 0 | 0 | 1071256.82286 Delmas-Aéroport | 0 | 0 | 0 | 6102194.041440001 | 0 | 0 | 0 | 0 | 6102194.041440001 Delmas 16 | 0 | 0 | 0 | 0 | 2774637.8936199998 | 0 | 0 | 0 | 2774637.8936199998 Delmas 18 | 2455109.99817 | 2455109.99817 Delmas 71 | 0 | 0 | 0 | 0 | 3613017.5498999995 | 0 | 0 | 0 | 3613017.5498999995 Kiosque Mégamart | 0 | 0 | 0 | 0 | 3987.65245 | 0 | 0 | 0 | 3987.65245 Delmas 35 | 455771.860981451 Delmas 64 | 310193.369985963 Delmas 75 | 21754.42329 Pétion-Ville | 6330453.731327273 | 884573.2207 | 5515460.981539447 | 8288644.027859999 | 18968611.094610002 | 4919984 | 185158.86549000003 | 0 | 45092885.92152672 P-V 1 | 2297233.755749234 | 884573.2207 | 2836735.498054307 | 2568181.1874499996 | 9581603.57337 | 3159225 | 185158.86549000003 | 0 | 21512711.10081354 Place Boyer | 1131738.7401262168 | 0 | 174121.15381525998 | 0 | 0 | 793886 | 0 | 0 | 2099745.893941477 Choucoune Plaza | 1870676.370828548 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1870676.370828548 P-V 2 | 0 | 0 | 2259895.308922644 | 0.05293 | 4227909.97027 | 966873 | 0 | 0 | 7454678.332122644 P-V 3 | 1030804.864623275 | 0 | 0 | 3103131.15509 | 2821768.54522 | 0 | 0 | 0 | 6955704.564933276 P-V 4 | 0 | 0 | 0 | 2617331.63239 | 1503922.47671 | 0 | 0 | 0 | 4121254.1091 Juvénat | 244709.020747236 | 833406.5290399999 Lalue | 805812.319048481 | 0 | 478358.552062031 | 1511501.4771099999 | 1621236.47772 | 0 | 0 | 0 | 4416908.825940512 Champs de Mars | 0 | 0 | 0 | 894755.25541 | 0 | 0 | 0 | 0 | 894755.25541 Laboule | 0 | 0 | 0 | 0 | 552883.3703899999 | 344189 | 0 | 0 | 897072.3703899999 Aéroport | 0 | 121412.4115 | 2332.5364227799996 | 3147253.67252 | 1668185.34848 | 2075771 | 0 | 0 | 7014954.96892278 Aéroport 2 | 0 | 0 | 0 | 1884947.0091100002 | 0 | 235205 | 0 | 0 | 2120152.00911 Carrefour | 470402.18560548703 | 0 | 523656.35766461905 | 692437.85848 | 0 | 191908 | 0 | 0 | 1878404.4017501061 Arcachon | 163676.311179091 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 163676.311179091 Carrefour | 306725.87442639604 | 0 | 0 | 498915.38959000004 | 0 | 0 | 0 | 0 | 805641.2640163961 Truitiers | 0 | 0 | 0 | 193522.46889 | 0 | 0 | 0 | 0 | 193522.46889 Thor | 0 | 0 | 0 | 0 | 1146151.77983 | 0 | 0 | 0 | 1146151.77983 Diquini | 0 | 0 | 0 | 396096.11519000004 | 0 | 72675 | 0 | 0 | 468771.11519000004 Rue du Quai | 0 | 0 | 0 | 58843.059960000006 | 0 | 0 | 0 | 0 | 58843.059960000006 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 243526.559 | 0 | 0 | 0 | 243526.559 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 659773 | 0 | 0 | 659773 Parc Industriel | 1393658.025364273 | 605663.6262 | 3548292.048349943 | 0 | 0 | 0 | 0 | 0 | 5547613.699914216 Varreux | 0 | 0 | 0 | 0 | 5916206.776699999 | 237924 | 0 | 0 | 6154130.776699999 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 915305.80779 | 0 | 0 | 0 | 915305.80779 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 1017.97249 | 0 | 0 | 0 | 1017.97249 Canapé-Vert | 0 | 0 | 0 | 0 | 1461979.78801 | 0 | 0 | 0 | 1461979.78801 Rue Capois | 0 | 0 | 0 | 0 | 1286342.2596399998 | 0 | 0 | 0 | 1286342.2596399998 Damien | 211882.786036033 | 0 | 137091.0791426 | 587764.0858100001 | 2119823.0200900002 | 0 | 0 | 0 | 3056560.9710786333 Frères | 249189.53090730798 | 0 | 240937.476810722 | 1266636.74705 | 2164984.99368 | 0 | 0 | 0 | 3921748.7484480296 Portail Léogane | 0 | 0 | 0 | 112013.62913000002 | 196052.96107 | 0 | 0 | 0 | 308066.5902 Croix des Bossales | 0 | 0 | 0 | 0 | 83137.59485000001 | 0 | 0 | 0 | 83137.59485000001 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 369412.63707 | 0 | 0 | 0 | 369412.63707 Martissant | 0 | 0 | 0 | 523095.07077999995 | 1012090.3792999999 | 0 | 0 | 0 | 1535185.4500799999 Nazon | 0 | 0 | 0 | 0 | 311206.19767 | 0 | 0 | 0 | 311206.19767 Croix des Bouquets | 310586.577782601 | 0 | 0 | 142942.29322999998 | 450738.63495 | 0 | 0 | 0 | 904267.5059626009 Lathan | 0 | 0 | 0 | 725323.83097 | 397461.06904000003 | 0 | 0 | 0 | 1122784.90001 Turgeau | 706773.771306713 | 0 | 0 | 2017467.9487 | 2971467.56604 | 0 | 561651.39349 | 0 | 6257360.679536713 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 701366.3964600279 | 54347.46329 | 711476.5527059969 | 426335.3456 | 1764666.6503799998 | 1010747 | 0 | 0 | 4668939.408436025 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1124620.7391700002 | 0 | 0 | 0 | 1124620.7391700002 Avenue Christophe | 0 | 0 | 0 | 0 | 1252875.55479 | 0 | 0 | 0 | 1252875.55479 Autres succursales non précisées | 1107866.7512700001 | 0 | 91529.156379874 | 0 | 984940.358530837 | 0 | 0 | 0 | 2184336.2661807113 TOTAL | 33382211.71218685 | 1887642.46754 | 12587172.820964418 | 45159608.50256 | 62341683.476690836 | 12835188 | 3034178.3679100005 | 3474785 | 174702470.3478521 VILLES DE PROVINCES | 0 | 0 Aquin | 239819.86817892 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 239819.86817892 Jacmel | 464886.602531389 | 0 | 0 | 751062.33101 | 698595.7019300001 | 119197 | 0 | 0 | 2033741.6354713892 Hinche | 499902.1029211789 | 0 | 0 | 135502.15053 | 575314.6609 | 148845 | 0 | 0 | 1359563.9143511788 Cap-Haïtien | 996373.850820236 | 0 | 567749.59568614 | 1096833.20064 | 2443770.61902 | 507927 | 0 | 0 | 5612654.266166376 Cap-Haïtien 1 | 996373.850820236 | 0 | 458844.682795807 | 601251.87425 | 1658142.00677 | 436520 | 0 | 0 | 4151132.414636043 Cap-Haïtien 2 | 0 | 0 | 108904.91289033298 | 495581.32638999994 | 785628.61225 | 71407 | 0 | 0 | 1461521.851530333 Cayes | 1128459.734804421 | 0 | 165420.86565610897 | 892338.8376600001 | 1333880.55962 | 287855 | 0 | 0 | 3807954.99774053 Cayes 1 | 933729.983490882 | 0 | 165420.86565610897 | 0 | 1142443.69874 | 0 | 0 | 0 | 2241594.547886991 Cayes 2 | 194729.751313539 | 0 | 0 | 0 | 191436.86088 | 0 | 0 | 0 | 386166.612193539 Cabaret | 361971.317054705 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 361971.317054705 Cap Saint-Michel | 0 | 0 | 0 | 206947.24175 | 0 | 0 | 0 | 0 | 206947.24175 Ouanaminthe | 104857.98167138301 | 0 | 57406.089691384004 | 156115.40972 | 192951.85676 | 0 | 0 | 0 | 511331.337842767 Fort-Liberté | 318977.158895975 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 318977.158895975 Gonaïves | 626328.6817726829 | 0 | 144097.44912247802 | 716135.28556 | 655419.4704 | 139736 | 0 | 0 | 2281716.886855161 Port-de-Paix | 422170.399534909 | 0 | 99576.96013320901 | 198267.0609 | 441679.40401 | 0 | 0 | 0 | 1161693.824578118 Petit-Goave | 162614.906654565 | 0 | 0 | 198122.4615 | 419811.2211 | 0 | 0 | 0 | 780548.5892545651 Miragoane | 315123.196899448 | 0 | 0 | 186359.02459000002 | 183527.71114000003 | 0 | 0 | 0 | 685009.932629448 Mirebalais | 0 | 0 | 0 | 378459.84716999996 | 330267.11915 | 0 | 0 | 0 | 708726.9663199999 Jérémie | 581264.941106629 | 0 | 0 | 527226.57805 | 325106.34427999996 | 0 | 0 | 0 | 1433597.863436629 La Gonave | 0 | 0 | 0 | 0 | 124310.63031000001 | 0 | 0 | 0 | 124310.63031000001 Léogane | 671536.445911958 | 0 | 0 | 484306.57370999997 | 248027.66598 | 0 | 0 | 0 | 1403870.685601958 Fonds-des-Nègres | 71030.916455113 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 71030.916455113 Limbé | 0 | 0 | 0 | 0 | 78938.88074 | 0 | 0 | 0 | 78938.88074 Vertières | 153667.70822189897 | 0 | 0 | 106977.64755000001 | 224009.91715 | 80788 | 0 | 0 | 565443.272921899 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 St-Marc | 395970.269410511 | 0 | 258284.803967009 | 871306.7643 | 970027.47638 | 120587 | 0 | 0 | 2616176.31405752 Belladerre | 119365.204967218 TOTAL | 7634321.287813141 | 0 | 1292535.764256329 | 6905960.414639999 | 9245639.23887 | 1404935 | 0 | 0 | 26483391.705579467 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 | 41016532.99999999 | 1887642.46754 | 13879708.585220747 | 52065568.9172 | 71587322.71556084 | 14240123 | 3034178.3679100005 | 3474785 | 201185862.05343157 0 | -0.002800002694129944 | 3815560.83887 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 30 septembre 2021 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 2608339.6533681047 | 151982.9498 | 226155.12845082898 | 2134662.06427 | 2143179.33741 | 820630 | 356250.42726 | 607299 | 9048498.560558934 Place Geffrard | 0 | 0 | 0 | 2711165.62287 | 0 | 0 | 0 | 0 | 2711165.62287 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 1000310.898319246 | 0 | 0 | 941740.66829 | 0 | 0 | 0 | 0 | 1942051.566609246 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1000310.898319246 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1000310.898319246 Delmas | 2620002.515985699 | 77689.20401 | 382659.73069651995 | 1828117.0011999998 | 6677558.50766 | 905913 | 313389.83999 | 0 | 12805329.799542217 Delmas 52 | 1061644.087791668 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1061644.087791668 Delmas 2 | 922045.196412011 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 922045.196412011 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 665778 | 0 | 0 | 665778 Delmas 32 | 636313.23178202 | 0 | 0 | 0 | 2951948.40925 | 0 | 0 | 0 | 3588261.64103202 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 240135 | 0 | 0 | 240135 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 313389.83999 | 0 | 313389.83999 Delmas 48 | 0 | 0 | 0 | 634699.1209099999 | 0 | 0 | 0 | 0 | 634699.1209099999 Delmas-Aéroport | 0 | 0 | 0 | 1193417.88029 | 0 | 0 | 0 | 0 | 1193417.88029 Delmas 16 | 0 | 0 | 0 | 0 | 1340153.1102399998 | 0 | 0 | 0 | 1340153.1102399998 Delmas 18 | 467269.57113 | 467269.57113 Delmas 71 | 0 | 0 | 0 | 0 | 1808784.5995999998 | 0 | 0 | 0 | 1808784.5995999998 Kiosque Mégamart | 0 | 0 | 0 | 0 | 20884.67436 | 0 | 0 | 0 | 20884.67436 Delmas 35 | 234733.31885486998 Delmas 64 | 147926.41184165 Delmas 75 | 88518.14308 Pétion-Ville | 3452228.299024885 | 109295.4369 | 1974303.5857079676 | 3756883.69809 | 7031794.040570001 | 1828051 | 14604.97492 | 0 | 18167161.035212856 P-V 1 | 1414437.115944278 | 109295.4369 | 1273499.9575909558 | 1304320.32624 | 3619082.2967600003 | 804212 | 14604.97492 | 0 | 8539452.108355235 Place Boyer | 795492.788832533 | 0 | 117042.13549723101 | 0 | 0 | 412695 | 0 | 0 | 1325229.9243297642 Choucoune Plaza | 956111.597416508 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 956111.597416508 P-V 2 | 0 | 0 | 413603.490826523 | 0 | 1757569.19294 | 611144 | 0 | 0 | 2782316.683766523 P-V 3 | 286186.79683156597 | 0 | 0 | 1690812.98266 | 1060117.43972 | 0 | 0 | 0 | 3037117.219211566 P-V 4 | 0 | 0 | 0 | 761750.38919 | 442717.76863 | 0 | 0 | 0 | 1204468.15782 Juvénat | 170158.001793258 | 152307.34252 Lalue | 577172.413382892 | 0 | 433013.15068002796 | 1335836.5328 | 1995079.3903899998 | 0 | 0 | 0 | 4341101.487252919 Champs de Mars | 0 | 0 | 0 | 715302.0328900001 | 0 | 0 | 0 | 0 | 715302.0328900001 Laboule | 0 | 0 | 0 | 0 | 705988.7390699999 | 505640 | 0 | 0 | 1211628.73907 Aéroport | 0 | 75556.46788 | 174.52505134999998 | 620815.22818 | 722112.29764 | 412536 | 0 | 0 | 1831194.51875135 Aéroport 2 | 0 | 0 | 0 | 850501.25362 | 0 | 118235 | 0 | 0 | 968736.25362 Carrefour | 1350209.276855403 | 0 | 502482.800773605 | 1976263.2895999998 | 0 | 284805 | 0 | 0 | 4113760.367229008 Arcachon | 719962.748624931 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 719962.748624931 Carrefour | 630246.528230472 | 0 | 0 | 1186001.0333899998 | 0 | 0 | 0 | 0 | 1816247.5616204718 Truitiers | 0 | 0 | 0 | 790262.25621 | 0 | 0 | 0 | 0 | 790262.25621 Thor | 0 | 0 | 0 | 0 | 2896113.40877 | 0 | 0 | 0 | 2896113.40877 Diquini | 0 | 0 | 0 | 831214.20165 | 0 | 173154 | 0 | 0 | 1004368.20165 Rue du Quai | 0 | 0 | 0 | 273399.51635000005 | 0 | 0 | 0 | 0 | 273399.51635000005 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 132231.22378 | 0 | 0 | 0 | 132231.22378 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 516982 | 0 | 0 | 516982 Parc Industriel | 717504.3933015569 | 64719.15152 | 514994.2170592629 | 0 | 0 | 0 | 0 | 0 | 1297217.7618808197 Varreux | 0 | 0 | 0 | 0 | 1756514.1183900002 | 60955 | 0 | 0 | 1817469.1183900002 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1057050.7799 | 0 | 0 | 0 | 1057050.7799 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 67717.15226 | 0 | 0 | 0 | 67717.15226 Canapé-Vert | 0 | 0 | 0 | 0 | 1082557.4896600002 | 0 | 0 | 0 | 1082557.4896600002 Rue Capois | 0 | 0 | 0 | 0 | 1641476.886 | 0 | 0 | 0 | 1641476.886 Damien | 595302.811347182 | 0 | 38791.864804248995 | 808894.7066199998 | 1902746.5843699998 | 0 | 0 | 0 | 3345735.967141431 Frères | 304378.28072034504 | 0 | 156223.925923794 | 1026639.35418 | 1956733.2918799997 | 0 | 0 | 0 | 3443974.8527041385 Portail Léogane | 0 | 0 | 0 | 235523.46512 | 988363.24821 | 0 | 0 | 0 | 1223886.71333 Croix des Bossales | 0 | 0 | 0 | 0 | 238692.54872999998 | 0 | 0 | 0 | 238692.54872999998 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 626264.87238 | 0 | 0 | 0 | 626264.87238 Martissant | 0 | 0 | 0 | 640002.22387 | 1282342.6698800002 | 0 | 0 | 0 | 1922344.8937500003 Nazon | 0 | 0 | 0 | 0 | 785106.2380400001 | 0 | 0 | 0 | 785106.2380400001 Croix des Bouquets | 936877.0354356511 | 0 | 0 | 652588.10764 | 1781612.8004700001 | 0 | 0 | 0 | 3371077.943545651 Lathan | 0 | 0 | 0 | 821871.4554399999 | 1176837.20524 | 0 | 0 | 0 | 1998708.66068 Turgeau | 677085.0829311978 | 0 | 0 | 1363268.70694 | 1912257.5727458498 | 0 | 287797.68025000003 | 0 | 4240409.042867048 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 536192.824665913 | 50777.85453 | 229088.27128342298 | 455870.33454999997 | 1466303.0604299998 | 486891 | 0 | 0 | 3225123.3454593355 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 527257.69722 | 0 | 0 | 0 | 527257.69722 Avenue Christophe | 0 | 0 | 0 | 0 | 713999.0387900001 | 0 | 0 | 0 | 713999.0387900001 Autres succursales non précisées | 0 | 0 | 107861.38435892598 | 0 | 529043.909450208 | 0 | 0 | 0 | 636905.2938091339 TOTAL | 15375603.485338079 | 530021.06464 | 4565748.584789955 | 23980559.46417 | 43796934.10933607 | 6113792 | 972042.92242 | 607299 | 95942000.63069409 VILLES DE PROVINCES Aquin | 1300955.930985166 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1300955.930985166 Jacmel | 673079.557086422 | 0 | 0 | 1128137.98633 | 1260754.14775 | 202218 | 0 | 0 | 3264189.691166422 Hinche | 607759.306411818 | 0 | 0 | 171888.25547 | 499330.06629000005 | 230367 | 0 | 0 | 1509344.628171818 Cap-Haïtien | 1318787.59477283 | 0 | 766598.660434088 | 2919648.55853 | 3997703.10961 | 410885 | 0 | 0 | 9413622.923346918 Cap-Haïtien 1 | 1318787.59477283 | 0 | 679052.3086163279 | 1911330.65125 | 2041894.2677200001 | 348486 | 0 | 0 | 6299550.822359158 Cap-Haïtien 2 | 0 | 0 | 87546.35181776 | 1008317.9072799999 | 1955808.84189 | 62399 | 0 | 0 | 3114072.10098776 Cayes | 1418771.433873954 | 0 | 442034.7340639309 | 1326755.60878 | 2641581.07404 | 407621 | 0 | 0 | 6236763.850757885 Cayes 1 | 1060575.094974092 | 0 | 442034.7340639309 | 0 | 2155018.43527 | 0 | 0 | 0 | 3657628.264308023 Cayes 2 | 358196.33889986196 | 0 | 0 | 0 | 486562.63876999996 | 0 | 0 | 0 | 844758.9776698619 Cabaret | 1067052.483303643 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1067052.483303643 Cap Saint-Michel | 0 | 0 | 0 | 609065.88229 | 0 | 0 | 0 | 0 | 609065.88229 Ouanaminthe | 212260.451009958 | 0 | 198589.77483263798 | 443237.75618 | 546708.32326 | 0 | 0 | 0 | 1400796.305282596 Fort-Liberté | 467596.75491668 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 467596.75491668 Gonaïves | 1290131.760156796 | 0 | 477210.689627673 | 1408532.2884 | 2209797.43114 | 260382 | 0 | 0 | 5646054.169324469 Port-de-Paix | 1254744.069682265 | 0 | 344435.439030942 | 688124.2465199999 | 1192258.44183 | 0 | 0 | 0 | 3479562.1970632067 Petit-Goave | 634300.979150916 | 0 | 0 | 451002.32307 | 751222.43936 | 0 | 0 | 0 | 1836525.7415809159 Miragoane | 491795.821252833 | 0 | 0 | 683643.9395900001 | 818841.78689 | 0 | 0 | 0 | 1994281.5477328333 Mirebalais | 0 | 0 | 0 | 479427.73806 | 917110.3105799999 | 0 | 0 | 0 | 1396538.04864 Jérémie | 606064.394900998 | 0 | 0 | 431142.13744 | 596757.42076 | 0 | 0 | 0 | 1633963.953100998 La Gonave | 0 | 0 | 0 | 0 | 853260.4388900001 | 0 | 0 | 0 | 853260.4388900001 Léogane | 1210786.018474768 | 0 | 0 | 876418.29096 | 650572.70238 | 0 | 0 | 0 | 2737777.011814768 Fonds-des-Nègres | 650154.462918611 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 650154.462918611 Limbé | 0 | 0 | 0 | 0 | 817598.2716699999 | 0 | 0 | 0 | 817598.2716699999 Vertières | 312632.571887624 | 0 | 0 | 104449.88814 | 1058096.25293 | 95359 | 0 | 0 | 1570537.7129576239 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 St-Marc | 1463811.6601338019 | 0 | 86743.35037325599 | 1380238.53682 | 1991129.95667 | 152297 | 0 | 0 | 5074220.503997058 Belladerre | 191801.263742844 TOTAL | 15172486.514661927 | 0 | 2315612.648362528 | 13101713.43658 | 20802722.174050003 | 1759129 | 0 | 0 | 53151663.77365446 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 | 30548090.000000007 | 530021.06464 | 6881361.233152483 | 37082272.900750004 | 64599656.283386074 | 7872921 | 972042.92242 | 607299 | 149093664.40434855 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 30 septembre 2021 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 957939.082266162 | 187254.456 | 77314.46274552398 | 8349882.62988 | 4624226.061900001 | 5426989 | 1229510.77135 | 4422 | 20857538.464141686 Place Geffrard | 0 | 0 | 0 | 567815.8345 | 0 | 0 | 0 | 0 | 567815.8345 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 155096.092971021 | 0 | 0 | 420868.59305 | 0 | 0 | 0 | 0 | 575964.686021021 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 155096.092971021 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 155096.092971021 Delmas | 734785.562937679 | 885.30676 | 896805.274150701 | 1625899.40566 | 1361708.83541 | 285065 | 1171150.8973299998 | 0 | 6076300.28224838 Delmas 52 | 445166.201649845 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 445166.201649845 Delmas 2 | 187525.62994391398 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 187525.62994391398 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 168568 | 0 | 0 | 168568 Delmas 32 | 102093.73134392 | 0 | 0 | 0 | 455176.76781 | 0 | 0 | 0 | 557270.49915392 Delmas 55 | 0 | 0 | 0 | 0 | 0 | 116497 | 0 | 0 | 116497 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 1171150.8973299998 | 0 | 1171150.8973299998 Delmas 48 | 0 | 0 | 0 | 314266.22862 | 0 | 0 | 0 | 0 | 314266.22862 Delmas-Aéroport | 0 | 0 | 0 | 1311633.17704 | 0 | 0 | 0 | 0 | 1311633.17704 Delmas 16 | 0 | 0 | 0 | 0 | 212151.22381999998 | 0 | 0 | 0 | 212151.22381999998 Delmas 18 | 105248.99092 | 105248.99092 Delmas 71 | 0 | 0 | 0 | 0 | 577842.6846800001 | 0 | 0 | 0 | 577842.6846800001 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 384673.11530352297 Delmas 64 | 512132.158847178 Delmas 75 | 11289.16818 Pétion-Ville | 5166688.132628643 | 1605297.054 | 5813118.348137469 | 3100921.07498 | 11307554.7588 | 1389342 | 175521.59454000002 | 0 | 28558442.963086113 P-V 1 | 190442.888360215 | 1605297.054 | 1073205.1193211428 | 1973414.30184 | 5406032.191550001 | 706452 | 175521.59454000002 | 0 | 11130365.149611358 Place Boyer | 380168.181710583 | 0 | 329735.334114486 | 0 | 0 | 191007 | 0 | 0 | 900910.515825069 Choucoune Plaza | 1397001.287589778 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1397001.287589778 P-V 2 | 0 | 0 | 3880169.507130186 | 0 | 4424805.50579 | 491883 | 0 | 0 | 8796858.012920186 P-V 3 | 3199075.774968067 | 0 | 0 | 824804.8013500001 | 1372543.8915900001 | 0 | 0 | 0 | 5396424.467908068 P-V 4 | 0 | 0 | 0 | 302701.97179000004 | 37246.04122 | 0 | 0 | 0 | 339948.01301000005 Juvénat | 530008.3875716539 | 66927.12865 Lalue | 57750.432351601994 | 0 | 90792.824667568 | 702302.13494 | 331349.08237 | 0 | 0 | 0 | 1182194.47432917 Champs de Mars | 0 | 0 | 0 | 74231.09451 | 0 | 0 | 0 | 0 | 74231.09451 Laboule | 0 | 0 | 0 | 0 | 163850.01291 | 70077 | 0 | 0 | 233927.01291 Aéroport | 0 | 335 | 4993.335 | 1287792.24979 | 53447.106 | 143749 | 0 | 0 | 1490316.69079 Aéroport 2 | 0 | 0 | 0 | 246212.74084 | 0 | 48191 | 0 | 0 | 294403.74084 Carrefour | 215582.84956761 | 0 | 715795.531063705 | 953037.34364 | 0 | 220972 | 0 | 0 | 2105387.724271315 Arcachon | 89845.849054688 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 89845.849054688 Carrefour | 125737.000512922 | 0 | 0 | 892485.5037 | 0 | 0 | 0 | 0 | 1018222.504212922 Truitiers | 0 | 0 | 0 | 60551.83994 | 0 | 0 | 0 | 0 | 60551.83994 Thor | 0 | 0 | 0 | 0 | 345339.28794 | 0 | 0 | 0 | 345339.28794 Diquini | 0 | 0 | 0 | 171615.22040000002 | 0 | 25383 | 0 | 0 | 196998.22040000002 Rue du Quai | 0 | 0 | 0 | 23500.34848 | 0 | 0 | 0 | 0 | 23500.34848 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 20741.81961 | 0 | 0 | 20741.81961 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 543510 | 0 | 0 | 543510 Parc Industriel | 496680.0435631559 | 500.41096 | 3010486.850736845 | 0 | 0 | 0 | 0 | 0 | 3507667.3052600008 Varreux | 0 | 0 | 0 | 0 | 574880.05849 | 8076 | 0 | 0 | 582956.05849 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 537183.62193 | 0 | 0 | 0 | 537183.62193 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 600.7158499999999 | 0 | 0 | 0 | 600.7158499999999 Canapé-Vert | 0 | 0 | 0 | 0 | 21816.163350000003 | 0 | 0 | 0 | 21816.163350000003 Rue Capois | 0 | 0 | 0 | 0 | 31041.622 | 0 | 0 | 0 | 31041.622 Damien | 186033.12056204697 | 0 | 0 | 223507.30328 | 433322.16987 | 0 | 0 | 0 | 842862.593712047 Frères | 126110.97038079299 | 0 | 37366.46501744699 | 317609.49797 | 457930.47826000006 | 0 | 0 | 0 | 939017.41162824 Portail Léogane | 0 | 0 | 0 | 65179.51131 | 100660.14072 | 0 | 0 | 0 | 165839.65203 Croix des Bossales | 0 | 0 | 0 | 0 | 251.1744 | 0 | 0 | 0 | 251.1744 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 7567.303690000001 | 0 | 0 | 0 | 7567.303690000001 Martissant | 0 | 0 | 0 | 140384.89583000002 | 111519.95678000001 | 0 | 0 | 0 | 251904.85261000003 Nazon | 0 | 0 | 0 | 0 | 88274.94477000002 | 0 | 0 | 0 | 88274.94477000002 Croix des Bouquets | 149276.73355153197 | 0 | 0 | 99163.27726 | 135668.15193 | 0 | 0 | 0 | 384108.16274153197 Lathan | 0 | 0 | 0 | 107321.43014 | 96354.79646 | 0 | 0 | 0 | 203676.2266 Turgeau | 428633.436097736 | 0 | 0 | 417710.14911 | 1277709.2606900001 | 0 | 311723.51382 | 0 | 2435776.359717736 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 196880.41752766998 | 0 | 96797.02981121499 | 127485.18780000001 | 156271.25223 | 523930 | 0 | 0 | 1101363.8873688849 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 155776.54316 | 0 | 0 | 0 | 155776.54316 Avenue Christophe | 0 | 0 | 0 | 0 | 260736.10609 | 0 | 0 | 0 | 260736.10609 Autres succursales non précisées | 0 | 0 | 13981.338 | 0 | 7889.61093 | 0 | 0 | 0 | 21870.94893 TOTAL | 8871456.87440565 | 1794272.22772 | 10757451.459330473 | 19022439.923370007 | 22663671.036540005 | 8685284 | 2887906.77704 | 4422 | 74686904.29840614 VILLES DE PROVINCES Aquin | 162064.199363882 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 162064.199363882 Jacmel | 75975.825115835 | 0 | 0 | 73684.26917999999 | 53128.26618 | 250 | 0 | 0 | 203038.360475835 Hinche | 119103.707617652 | 0 | 0 | 47089.43387000001 | 15092.04251 | 17209 | 0 | 0 | 198494.18399765203 Cap-Haïtien | 250697.343055292 | 0 | 96482.83515850699 | 1187495.44009 | 404713.9668 | 61887 | 0 | 0 | 2001276.5851037991 Cap-Haïtien 1 | 250697.343055292 | 0 | 93427.526321378 | 537933.54793 | 195437.62708 | 61887 | 0 | 0 | 1139383.04438667 Cap-Haïtien 2 | 0 | 0 | 3055.3088371289996 | 649561.8921599999 | 209276.33972 | 0 | 0 | 0 | 861893.5407171289 Cayes | 188906.128639872 | 0 | 27342.617407035 | 263377.41493 | 126597.08546999999 | 320659 | 0 | 0 | 926882.246446907 Cayes 1 | 134150.400340552 | 0 | 27342.617407035 | 0 | 113853.5931 | 0 | 0 | 0 | 275346.610847587 Cayes 2 | 54755.72829932 | 0 | 0 | 0 | 12743.49237 | 0 | 0 | 0 | 67499.22066932 Cabaret | 83662.110613489 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 83662.110613489 Cap Saint-Michel | 0 | 0 | 0 | 110832.07463000002 | 0 | 0 | 0 | 0 | 110832.07463000002 Ouanaminthe | 2421.4353094569997 | 0 | 12045.600262185 | 4191.69599 | 24594.35741 | 0 | 0 | 0 | 43253.088971642006 Fort-Liberté | 12606.031840149999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12606.031840149999 Gonaïves | 114141.26430882099 | 0 | 42373.143246569 | 291160.46283000003 | 196632.39714000002 | 23310 | 0 | 0 | 667617.26752539 Port-de-Paix | 110727.37992967799 | 0 | 513282.2034541249 | 65871.49233 | 192253.88964 | 0 | 0 | 0 | 882134.965353803 Petit-Goave | 47147.83161168 | 0 | 0 | 62170.68945 | 49536.60987000001 | 0 | 0 | 0 | 158855.13093168 Miragoane | 51301.34540889999 | 0 | 0 | 102064.82746000001 | 50156.50876 | 0 | 0 | 0 | 203522.6816289 Mirebalais | 0 | 0 | 0 | 122938.76831999999 | 29187.59977 | 0 | 0 | 0 | 152126.36809 Jérémie | 61277.759096281 | 0 | 0 | 28787.710199999998 | 37351.774600000004 | 0 | 0 | 0 | 127417.243896281 La Gonave | 0 | 0 | 0 | 0 | 30382.90885 | 0 | 0 | 0 | 30382.90885 Léogane | 160410.86228279502 | 0 | 0 | 307635.6041 | 101314.76826000001 | 0 | 0 | 0 | 569361.234642795 Fonds-des-Nègres | 53659.106822136 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 53659.106822136 Limbé | 0 | 0 | 0 | 0 | 46939.803009999996 | 0 | 0 | 0 | 46939.803009999996 Vertières | 318226.171768128 | 0 | 0 | 22748.678259999997 | 185636.60546 | 210651 | 0 | 0 | 737262.455488128 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 St-Marc | 234398.36948022098 | 0 | 166221.508977126 | 335557.88917000004 | 134631.01698000001 | 133 | 0 | 0 | 870941.7846073471 Belladerre | 6101.25333008 | 6101.25333008 TOTAL | 2052828.125594349 | 0 | 857747.9085055469 | 3025606.4508099994 | 1678149.60071 | 634099 | 0 | 0 | 8248431.085619896 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 | 10924285 | 1794272.22772 | 11615199.36783602 | 22048046.374180008 | 24341820.637250006 | 9319383 | 2887906.77704 | 4422 | 82935335.38402604 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 532623583.9718337 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02378265835247903 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705 | -0.06730737764893079 | 401945075.24158365 | 0.221460006520873 | 329069370.34021914 Bons B.R.H. | 6300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03278688524590164 | 6100000 | 0.5061728395061729 | 4050000 | 1.201086956521739 | 1840000 | -0.8577942653991808 | 12939000 Prêts Nets | 131955726.11540988 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011533413739891259 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012 | -0.13732603248487774 | 124751434.68466097 | 0.22038259522344747 | 102223216.86079066 Dépôts | 433214861.84249157 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022108549691200408 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615 | -0.09521631559106729 | 324498235.4560933 | 0.2129295972771665 | 267532621.99598402 Avoir des Actionnaires | 42339020.95218401 | 0 | 0 | 0 | 0 | 0 | 0 | 0.057014376955737765 | 40055293.35762 | 0.15092665615592596 | 34802646.32275001 | 0.030181524583940307 | 33783023.178178005 | 0.15303833899570668 | 29299132.592245743 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 3750133.6842200006 | 0.21651658006186045 | 3082681.93437142 | 0 | 0 | 3517247.863012392 | 0 | 0 | 3605427.645903779 | 0 | 0 | 3736956.4216924077 | 3750133.6842200006 | 0.21651658006186045 | 3082681.93437142 Autres revenus | 3332837.7205800004 | 0.042508882760393475 | 3196939.3984972 | 0 | 0 | 3171873.2656488665 | 0 | 0 | 3491476.2256899793 | 0 | 0 | 3720520.3391039995 | 3332837.7205800004 | 0.042508882760393475 | 3196939.3984972 Dot. à la provision pr créances douteuses | 734937.9089200001 | 0.44621879580283014 | 508178.922202445 | 0 | 0 | 552370.6121375549 | 0 | 0 | 376746.5394 | 0 | 0 | 394920.24809 | 734937.9089200001 | 0.44621879580283014 | 508178.922202445 Dépenses d'exploitation | 4383972.2687429 | 0.19527600166285417 | 3667748.9238 | 0 | 0 | 3809924.3487371393 | 0 | 0 | 4107954.089947435 | 0 | 0 | 4531519.092406797 | 4383972.2687429 | 0.19527600166285417 | 3667748.9238 Bénéfice net | 1723558.8213626014 | -0.04915346062810859 | 1812657.1954514836 | 0 | 0 | 1987348.0166613543 | 0 | 0 | 2323782.4322477477 | 0 | 0 | 2332642.6285147676 | 1723558.8213626014 | -0.04915346062810859 | 1812657.1954514836 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumul) Structure financière Avoir des actionnaires en % de l'actif | 0.07949144992126933 | 0.09133346904479174 | 0 | 0.08400949848221828 | 0 | 0.07872510371268764 | 0 | 0.07699229990709759 | 0.07949144992126933 | 0.09133346904479174 | 0.07699229990709759 | 0.09283398954376826 | 0.08404885458012684 | 0.08903634076290322 Dépôts en % de l'actif | 0.8133602695771747 | 0.7955294593680298 | 0 | 0.8029713994669967 | 0 | 0.8086340219002265 | 0 | 0.8146924700293188 | 0.8133602695771747 | 0.7955294593680298 | 0.8146924700293188 | 0.7831624325968863 | 0.807319844038537 | 0.8129976415592454 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.06338908023632309 | 0.05371775938974175 | 0 | 0.07115137887925091 | 0 | 0.05932885367093607 | 0 | 0.0560625008532209 | 0.06338908023632309 | 0.05371775938974175 | 0.0560625008532209 | 0.05048908872771796 | 0.06535921843623994 | 0.025469754697323044 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.9646658405485288 | 1.0747696370598125 | 0 | 0.8181924651120227 | 0 | 1.0155081133118373 | 0 | 1.0311341084197292 | 0.9646658405485288 | 1.0747696370598125 | 1.0311341084197292 | 1.0536617311481398 | 0.46572376763467743 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.00743532747544858 | -0.012667370544711851 | 0 | 0.042225837494665845 | 0 | -0.003234542758974928 | 0 | -0.006033336650386162 | 0.00743532747544858 | -0.012667370544711851 | -0.006033336650386162 | -0.008848776197957842 | 0.13299789206400983 | 0.01102966857089383 Rentabilité ROA (rendement de l'actif) | 0.013096028231539896 | 0.0186409300269985 | 0 | 0.018755556288502808 | 0 | 0.01995087181422128 | 0 | 0.018524008042875094 | 0.013096028231539882 | 0.018640930026998497 | 0.018894056402956595 | 0.011456388140477728 | 0.018724146924643456 | 0.016639662285024552 ROE ( rendement avoir des action.) | 0.16734735504996048 | 0.20249425544731461 | 0 | 0.21436953178105866 | 0 | 0.24555892029586726 | 0 | 0.23800529161167197 | 0.16734735504996034 | 0.20249425544731464 | 0.22593275500188215 | 0.12976089651586392 | 0.2169808833566835 | 0.18563221079206246 Revenus nets d'intérêts en % des revenus d'intérêt | 0.8271758363739855 | 0.806667658850589 | 0 | 0.8316146356292076 | 0 | 0.8328710202747445 | 0 | 0.8224920431836975 | 0.8271758363739855 | 0.806667658850589 | 0.8238534845742289 | 0.7704450787600935 | 0.7739859225582887 | 0.7834044677928268 Rendement moyen des prêts | 0.09803521651405525 | 0.09535995170154735 | 0 | 0.10692479906500878 | 0 | 0.10107985959163047 | 0 | 0.10149017793016404 | 0.09803521651405528 | 0.09535995170154736 | 0.10019938664732281 | 0.11306702887653855 | 0.11640768542321629 | 0.10844998153226369 Rendement moyen des prêts productifs | 0.10426541955573582 | 0.10060345287324718 | 0 | 0.11407117857487978 | 0 | 0.10810025696384594 | 0 | 0.1077017669990704 | 0.10426541955573583 | 0.10060345287324719 | 0.10586862841677029 | 0.12007769396051457 | 0.12220968811849597 | 0.11148885421295598 Rémunération moyenne des dépôts | 0.007313623001071259 | 0.00962276839785126 | 0 | 0.008407349247772504 | 0 | 0.007707240064408807 | 0 | 0.00788972336797361 | 0.007313623001071261 | 0.00962276839785126 | 0.0083099864925933 | 0.013334542446873971 | 0.013043243209962358 | 0.011406478059241762 Dépenses d'exploitation en % du produit net bancaire | 0.6189453575616529 | 0.5840716707872766 | 0 | 0.5695702433033452 | 0 | 0.5788374993199545 | 0 | 0.6076477658272799 | 0.6189453575616531 | 0.5840716707872766 | 0.5855856691805337 | 0.7006410517279876 | 0.6172109710663901 | 0.6550381318122509 (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 | 5940.22132701541 | 5212.926290645321 | 5709.007071960184 | 4869.394611425701 | 4924.278001179502 | 3905.1831603775977 Productivité par Employé ('000 gdes) | 5940.221327015412 | 5212.926290645321 | 0 | 5556.902287569062 | 0 | 5844.079359006698 | 0 | 6183.645738637154 | 5940.22132701541 | 5212.926290645321 | 5709.007071960184 | 4869.394611425701 | 4924.278001179502 | 3905.1831603775977 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 Décembre 2021 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 185693147.29682285 | 0.34863861249268807 | 1 | UNIBK | 41034652.89971 | 0.29195711727626533 | 1 | UNIBK | 160528799.63742182 | 0.3705523835324628 | 1 | UNIBK | 117416060.59375183 | 0.4077877206004997 | 1 SOGEBK | 137729941.83322 | 0.2585877643760203 | 2 | SOGEBK | 38701882.099020004 | 0.275359705330312 | 2 | SOGEBK | 111195888.19211048 | 0.2566760699741163 | 2 | SOGEBK | 75970495.06691048 | 0.2638466565780481 | 2 BNC | 108859455 | 0.20438346756676234 | 3 | BNC | 27608895 | 0.1964343018834226 | 3 | BNC | 82488908 | 0.19041107604011828 | 3 | BNC | 37278720 | 0.1294695476822462 | 3 BUH | 39813213.65781089 | 0.07474925041981674 | 4 | BUH | 14569656.001132907 | 0.10366152666610384 | 4 | BUH | 32376269.186209247 | 0.07473489955656375 | 4 | CAPITALBK | 23842808 | 0.08280642595117646 | 4 CAPITALBK | 39530490 | 0.07421843716573102 | 5 | CAPITALBK | 12297078 | 0.08749237997884357 | 5 | CAPITALBK | 31432427 | 0.07255620655837106 | 5 | BUH | 22561772.763629247 | 0.07835737156792669 | 5 SOGEBL | 10442659.728659997 | 0.01960607836924515 | 6 | SOGEBL | 4980092.110909998 | 0.035432816746984834 | 6 | SOGEBL | 6894128.06735 | 0.015913877095602897 | 6 | SOGEBL | 5338631.74508 | 0.01854114726250226 | 6 CBNA | 5535008 | 0.010391969425621046 | 7 | BPH | 1261351.12995 | 0.008974376868092493 | 7 | BPH | 4211935.7594 | 0.009722509845314073 | 7 | CBNA | 2989056 | 0.010381035838057317 | 7 BPH | 5019668.45532 | 0.009424420184115337 | 8 | CBNA | 96667 | 0.0006877752499752275 | 8 | CBNA | 4086506 | 0.009432977397450814 | 8 | BPH | 2536728.1545900004 | 0.008810094519543225 | 8 TOTAL | 532623583.9718337 | 1 | TOTAL | 140550274.2407229 | 1 | TOTAL | 433214861.8424915 | 1 | TOTAL | 287934272.32396156 | 0.9999999999999998 AU 30 Septembre 2021 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 181523037.03767818 | 0.34891458621644006 | 1 | UNIBK | 41781164.05436 | 0.30176714935796956 | 1 | UNIBK | 156686632.45475045 | 0.3696797149875962 | 1 | UNIBK | 111841687.02080046 | 0.3989761727228435 | 1 SOGEBK | 136673440.5411 | 0.26270691440269817 | 2 | SOGEBK | 37178786.39529 | 0.26852618018249663 | 2 | SOGEBK | 111346274.38354212 | 0.2627056203465592 | 2 | SOGEBK | 76553000.91412212 | 0.2730897944116704 | 2 BNC | 103523015 | 0.19898680923405804 | 3 | BNC | 27361301 | 0.19761875937091666 | 3 | BNC | 78079272 | 0.1842168828775788 | 3 | BNC | 36013707 | 0.1284727668829744 | 3 CAPITALBK | 38898780 | 0.07476930724339502 | 4 | BUH | 13538290.93658562 | 0.09778117856642035 | 4 | CAPITALBK | 30966722 | 0.07306155466942037 | 4 | CAPITALBK | 23349153 | 0.08329412715785971 | 4 BUH | 38532133.92767971 | 0.07406455833273767 | 5 | CAPITALBK | 12142855 | 0.08770255260599386 | 5 | BUH | 31525640.722530156 | 0.0743802435122982 | 5 | BUH | 21574269.326940157 | 0.0769625319023806 | 5 SOGEBL | 10078798.435749 | 0.019372966887053172 | 6 | SOGEBL | 5029973.547389 | 0.036329308029013054 | 6 | SOGEBL | 6588415.69106 | 0.015544425179947918 | 6 | SOGEBL | 5140174.9410500005 | 0.018336698772476363 | 6 CBNA | 6021129 | 0.011573515780009445 | 7 | BPH | 1248027.1620770001 | 0.009013956588937885 | 7 | CBNA | 4546592 | 0.010727034006620052 | 7 | CBNA | 3481039 | 0.01241801384005102 | 7 BPH | 5000306.783586999 | 0.009611341903608512 | 8 | CBNA | 174580 | 0.0012609152982518861 | 8 | BPH | 4104730.27535 | 0.009684524419979258 | 8 | BPH | 2368688.90766 | 0.008449894309744077 | 8 TOTAL | 520250640.72579384 | 1 | TOTAL | 138454978.09570163 | 0.9999999999999999 | TOTAL | 423844279.5272327 | 1 | TOTAL | 280321720.11057276 | 1 AU 30 Septembre 2020 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 120956205.49325176 | 0.3226434855522545 | 1 | UNIBK | 32150119.625540003 | 0.2828455336635462 | 1 | UNIBK | 102797482.25206877 | 0.350126818770743 | 1 | UNIBK | 65796994.96058878 | 0.3782890559048814 | 1 SOGEBK | 97643729.90427001 | 0.2604588431834878 | 2 | SOGEBK | 30146159.48482 | 0.2652153916284867 | 2 | SOGEBK | 76115867.49719225 | 0.2592496037930052 | 2 | SOGEBK | 48146411.06139225 | 0.28397158456647464 | 2 BNC | 85250364.6533 | 0.22740027834186632 | 3 | BNC | 24617832.35592 | 0.21657909866122163 | 3 | BNC | 61431351.5 | 0.20923434312078643 | 3 | BNC | 23541423.5 | 0.13420149345892932 | 3 BUH | 28863231.162558727 | 0.0769909527883458 | 4 | BUH | 12745795.158740086 | 0.11213305815435301 | 4 | BUH | 21888235.414100416 | 0.0745510304936468 | 4 | CAPITALBK | 13861977 | 0.08360191215480599 | 4 CAPITALBK | 26199402 | 0.06988534690050534 | 5 | CAPITALBK | 8254331 | 0.07261872378465026 | 5 | CAPITALBK | 20536873 | 0.06994830859142037 | 5 | BUH | 13351901.36486042 | 0.07850442848379029 | 5 SOGEBL | 7737938.365479999 | 0.020640490457236354 | 6 | SOGEBL | 4325559.46284 | 0.038054762747708824 | 6 | SOGEBL | 4375153.64703 | 0.014901713490526658 | 6 | SOGEBL | 3187927.4847999997 | 0.019504388001742055 | 6 BPH | 4294146.689309999 | 0.011454380944423305 | 7 | BPH | 1079006.16982 | 0.00949271976227898 | 7 | BPH | 3500425.74977 | 0.011922402234569302 | 7 | CBNA | 2110639 | 0.011607891705519234 | 7 CBNA | 3946188 | 0.010526221831880414 | 8 | CBNA | 347901 | 0.0030607115977543922 | 8 | CBNA | 2955320 | 0.010065779505302314 | 8 | BPH | 1804778.8648800002 | 0.01031924572385719 | 8 TOTAL | 374891206.26817054 | 0.9999999999999999 | 113666704.25768009 | 0.9999999999999999 | TOTAL | 293600709.0601614 | 0.9999999999999999 | TOTAL | 171802053.23652145 | 1 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE PEREMIER TRIMESTRE DE L'EXERCICE 2021-2022 AU 31 Décembre 2021 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 171762804.8199912 | 0.35033288374682925 | 1 | UNIBK | 2065208.4432900003 | 0.29157373724401114 | 1 | UNIBK | 605595.2088000003 | 0.35136323825677884 | 1 SOGEBK | 127279288.29256049 | 0.25960288757223987 | 2 | SOGEBK | 1750581.7445899998 | 0.24715358068559506 | 2 | BNC | 429238.00398000004 | 0.2490416913306479 | 2 BNC | 99727913 | 0.20340822559318458 | 3 | BNC | 1572642.00398 | 0.22203139249076298 | 3 | SOGEBK | 336422.9696199999 | 0.195190883798229 | 3 BUH | 36361174.076136686 | 0.07416340798500282 | 4 | CAPITALBK | 883468 | 0.12473126736065739 | 4 | CAPITALBK | 315758 | 0.18320117427171415 | 4 CAPITALBK | 35217352 | 0.07183043207181715 | 5 | BUH | 589451.3142499998 | 0.08322090836771405 | 5 | SOGEBL | 29706.84766650001 | 0.01723576085614215 | 5 SOGEBL | 9494680.37064 | 0.019365652290009545 | 6 | SOGEBL | 92894.69615 | 0.01311521547115762 | 6 | BUH | 23025.54265900023 | 0.013359301912769557 | 6 BPH | 5390045.462499999 | 0.010993708284998613 | 7 | CBNA | 87587 | 0.01236585537259742 | 7 | CBNA | 4737.895647099998 | 0.0027489027867086905 | 7 CBNA | 5051305 | 0.010302802455918046 | 8 | BPH | 41138.202540000006 | 0.005808043007504081 | 8 | BPH | -20925.647009999993 | -0.012140953212990274 | 8 TOTAL | 490284563.02182835 | 1 | TOTAL | 7082971.4048 | 0.9999999999999996 | TOTAL | 1723558.8213626004 | 1 POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2020-2021 AU 30 Septembre 2021 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 168195543.56466982 | 0.35026483385501794 | 1 | UNIBK | 2631206.6991 | 0.35282801187287977 | 1 | UNIBK | 1354649.3225199997 | 0.5807359026884146 | 1 SOGEBK | 126903119.02637212 | 0.2642739454292691 | 2 | SOGEBK | 2096648.6183099998 | 0.2811471876562834 | 2 | SOGEBK | 359702.5143599999 | 0.1542038673060813 | 2 BNC | 94820711 | 0.19746278575840975 | 3 | BNC | 1053436.00192 | 0.14125903917768295 | 3 | CAPITALBK | 256697 | 0.11004557528962045 | 3 BUH | 35295738.442226686 | 0.07350287468528131 | 4 | CAPITALBK | 834926 | 0.1119582436232541 | 4 | BNC | 181919.00191999995 | 0.07798837237053788 | 4 CAPITALBK | 34868897 | 0.07261398343599276 | 5 | BUH | 534703.555656408 | 0.0717003314669807 | 5 | BUH | 151318.4418417993 | 0.06486996335917357 | 5 SOGEBL | 9219061.29336 | 0.01919856438393922 | 6 | SOGEBL | 170012.65555 | 0.022797611176443522 | 6 | SOGEBL | 53501.40332449998 | 0.022935962273211655 | 6 CBNA | 5542534 | 0.011542248441911618 | 7 | CBNA | 98244 | 0.013173892879755782 | 7 | CBNA | 1237.223078468116 | 0.0005303954679315264 | 7 BPH | 5349743.0438399995 | 0.011140764010178333 | 8 | BPH | 38299.23026000001 | 0.005135682146719813 | 8 | BPH | -26382.27852999999 | -0.011310038754971235 | 8 TOTAL | 480195347.3704686 | 1 | TOTAL | 7457476.760796407 | 1 | TOTAL | 2332642.6285147676 | 0.9999999999999997 POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2019-2020 AU 30 Septembre 2020 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 109774307.73233742 | 0.3227815358882016 | 1 | BNC | 1427029.1 | 0.2984435007157111 | 1 | CAPITALBK | 218531 | -0.23500380923000944 | 1 SOGEBK | 89552960.94079225 | 0.2633224738368346 | 2 | SOGEBK | 861656.4226753138 | 0.1802035846342566 | 2 | BUH | 173280.85540877533 | -0.1863427206560931 | 2 BNC | 77075020.7 | 0.22663220633394376 | 3 | CAPITALBK | 832385 | 0.17408186934887812 | 3 | BNC | 109903.70737000008 | -0.11818821988848392 | 3 BUH | 25935297.27859003 | 0.07626042251810367 | 4 | UNIBK | 709272.5907500001 | 0.1483346029489741 | 4 | SOGEBL | 61404.52805999982 | -0.0660331852143218 | 4 CAPITALBK | 22783644 | 0.06699326787267564 | 5 | BUH | 639965.0406301538 | 0.13383988249527312 | 5 | CBNA | 16690 | -0.017948087804699826 | 5 SOGEBL | 6860664.778539999 | 0.020173171301893632 | 6 | SOGEBL | 188070.97944999993 | 0.03933245754420182 | 6 | BPH | -45809.74833999999 | 0.04926287510590305 | 6 BPH | 4600873.56209 | 0.013528457300044133 | 7 | CBNA | 101330 | 0.021191775225552864 | 7 | SOGEBK | -323926.3891646862 | 0.34834387507412545 | 7 CBNA | 3505791 | 0.010308464948303063 | 8 | BPH | 21862.91138 | 0.0045723270871522925 | 8 | UNIBK | -1139978.029 | 1.2259092726135796 | 8 TOTAL | 340088559.9923497 | 1 | TOTAL | 4781572.044885468 | 1 | TOTAL | -929904.075665911 | 1 [partdemarc. (3)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) CUMUL 2022 (Octobre - Décembre 21) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 2065208.4432900003 | 0.29157373724401114 | 1 | UNIBK | 605595.2088000003 | 0.3513632382567786 | 1 SOGEBK | 1750581.7445899998 | 0.24715358068559506 | 2 | BNC | 429238.00398000004 | 0.24904169133064777 | 2 BNC | 1572642.00398 | 0.22203139249076298 | 3 | SOGEBK | 336422.9696199999 | 0.19519088379822888 | 3 CAPITALBK | 883468 | 0.12473126736065739 | 4 | CAPITALBK | 315758 | 0.18320117427171406 | 4 BUH | 589451.3142499998 | 0.08322090836771405 | 5 | SOGEBL | 29706.84766650001 | 0.01723576085614214 | 5 SOGEBL | 92894.69615 | 0.01311521547115762 | 6 | BUH | 23025.54265900023 | 0.01335930191276955 | 6 CBNA | 87587 | 0.01236585537259742 | 7 | CBNA | 4737.895647099998 | 0.0027489027867086888 | 7 BPH | 41138.202540000006 | 0.005808043007504081 | 8 | BPH | -20925.647009999993 | -0.012140953212990267 | 8 TOTAL | 7082971.4048 | 0.9999999999999996 | TOTAL | 1723558.8213626004 | 0.9999999999999994 CUMUL 2021 (Octobre -Décembre 20) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 2012776.0826 | 0.3205250724378527 | 1 | UNIBK | 684266.2456 | 0.37749346501756403 | 1 SOGEBK | 1554731.9522672002 | 0.24758371084088543 | 2 | SOGEBK | 523590.5434772002 | 0.2888524894784578 | 2 BNC | 1220562.80191 | 0.19436885398190554 | 3 | BNC | 264163.6231699999 | 0.14573280807472483 | 3 CAPITALBK | 724443 | 0.11536412175175921 | 4 | CAPITALBK | 230294 | 0.12704773995760416 | 4 BUH | 536457.82271142 | 0.08542837127829783 | 5 | BUH | 91761.61032428255 | 0.050622704918801414 | 5 SOGEBL | 102850.99320000003 | 0.016378534269520392 | 6 | SOGEBL | 20363.99738000003 | 0.011234334562044933 | 6 CBNA | 86724 | 0.013810386869359722 | 7 | CBNA | 18389 | 0.010144775331013324 | 7 BPH | 41074.68018000001 | 0.006540948570419056 | 8 | BPH | -20171.824499999995 | -0.01112831734021046 | 8 TOTAL | 6279621.332868621 | 1 | TOTAL | 1812657.1954514827 | 1.0000000000000002 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 31 Décembre 2021 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 40241685.21874 | 1 | SOGEBL | 64259.25304399998 | 1 | CBNA | 4086506 | 1 | CBNA | 166796.16326530612 | 1 SOGEBK | 36854833.957820006 | 2 | BNC | 35624.38064516129 | 2 | UNIBK | 3028845.27617777 | 2 | UNIBK | 122307.6568666071 | 2 BNC | 24192121 | 3 | SOGEBK | 33120.994522053916 | 3 | SOGEBK | 2471019.737602455 | 3 | BNC | 106437.30064516129 | 3 BUH | 13391292.247499876 | 4 | UNIBK | 31264.497447398095 | 4 | BNC | 2062222.7 | 4 | SOGEBK | 95161.22224399699 | 4 CAPITALBK | 12071898 | 5 | BUH | 31065.36460795929 | 5 | SOGEBL | 1723532.0168375 | 5 | SOGEBL | 88956.4911916129 | 5 SOGEBL | 4805310.620719998 | 6 | CAPITALBK | 15209.7439703154 | 6 | BUH | 1407663.8776612715 | 6 | BUH | 69032.55690023293 | 6 BPH | 301918.07063 | 7 | BPH | 9413.068133955223 | 7 | CAPITALBK | 1309684.4583333333 | 7 | CAPITALBK | 38877.460729746446 | 7 CBNA | 96667 | 8 | CBNA | 3945.591836734694 | 8 | BPH | 1052983.93985 | 8 | BPH | 31432.356413432834 | 8 TOTAL | 131955726.1154099 AU 30 Septembre 2021 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 40850938.74394 | 1 | SOGEBL | 64486.84035114102 | 1 | CBNA | 4546592 | 1 | CBNA | 178297.72549019608 | 1 SOGEBK | 35277167.734450005 | 2 | BNC | 34265.87476518472 | 2 | UNIBK | 2956351.5557500087 | 2 | UNIBK | 119836.81258489517 | 2 BNC | 24226185 | 3 | UNIBK | 31955.00118880306 | 3 | SOGEBK | 2474361.6529676025 | 3 | BNC | 97782.43206011271 | 3 BUH | 12879428.636476168 | 4 | SOGEBK | 31124.978145910423 | 4 | BNC | 1951981.8 | 4 | SOGEBK | 93215.80107454343 | 4 CAPITALBK | 11921831 | 5 | BUH | 28774.263414634686 | 5 | SOGEBL | 1647103.922765 | 5 | SOGEBL | 84466.86783410257 | 5 SOGEBL | 4821323.286839 | 6 | CAPITALBK | 14963.468884781269 | 6 | BUH | 1370680.0314143547 | 6 | BUH | 67004.54988848067 | 6 BPH | 299724.2969170001 | 7 | BPH | 9043.675087514493 | 7 | CAPITALBK | 1290280.0833333333 | 7 | CAPITALBK | 38159.85459026494 | 7 CBNA | 174580 | 9 | CBNA | 6846.274509803921 | 8 | BPH | 1026182.5688375 | 8 | BPH | 29744.422285144927 | 8 TOTAL | 130451178.69862218 AU 30 Septembre 2020 Portefeuille Net | Rang | Dépôts/Nbre d'agences | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 31336763.096040003 | 1 | SOGEBL | 60077.21476166667 | 1 | CBNA | 2955320 | 1 | CBNA | 109456.29629629629 | 1 SOGEBK | 28782480.1563 | 2 | BUH | 32105.277477934727 | 2 | UNIBK | 1939575.1368314864 | 2 | UNIBK | 78262.2628489294 | 2 BNC | 22573390.35592 | 3 | BNC | 29202.648109039143 | 3 | SOGEBK | 1691463.7221598278 | 3 | BNC | 72872.30308422301 | 3 BUH | 12316507.917750105 | 4 | UNIBK | 24476.68033920061 | 4 | BNC | 1535783.7875 | 4 | SOGEBL | 60766.02287541666 | 4 CAPITALBK | 7960739 | 5 | SOGEBK | 23634.778114323795 | 5 | SOGEBL | 1250043.8991514284 | 5 | SOGEBK | 59675.31752033889 | 5 SOGEBL | 4134099.53656 | 6 | CBNA | 12885.222222222223 | 6 | BUH | 951662.4093087137 | 6 | BUH | 55134.09424206654 | 6 CBNA | 347901 | 7 | CAPITALBK | 10853.821170282708 | 7 | BPH | 875106.4374425 | 7 | BPH | 27891.83864358566 | 7 BPH | 167934.05005000002 | 8 | BPH | 8597.658723665338 | 8 | CAPITALBK | 855703.0416666666 | 8 | CAPITALBK | 27004.4352399737 | 8 107619815.11262012 [partdemarc. (5)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes et en pourcentage) AU 30 JUIN 2004 | TRIM 1 2021 | AU 31 Décembre 2021 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BPH | 0 | 1 | BPH | 0 | 1 | BUH | 0.7261392571065934 | 1 | CBNA | 14299.918367346938 | 1 | CBNA | 217059.13725490196 | 1 BNC | 0 | 2 | SCOTIA | 0 | 2 | CAPITALBK | 0.5549187972852441 | 2 | BUH | 5027.303319829422 | 2 | UNIBK | 142021.52756927177 | 2 SOGEBL | 0 | 3 | SOGEBL | 0 | 3 | BNC | 0.5553736945786852 | 3 | BNC | 8116.861956025807 | 3 | BNC | 136329.93738259235 | 3 SCOTIA | 0 | 4 | SOCABK | #REF! | 4 | SOGEBK | 0.5612553029964988 | 4 | UNIBK | 6293.968589074287 | 4 | SOGEBL | 133880.25293153842 | 4 SOCABK | #REF! | 5 | BUH | 0 | 5 | UNIBK | 0.6807812446138509 | 5 | SOGEBK | 5992.577645151903 | 5 | SOGEBK | 115303.42556150691 | 5 CAPITALBK | 0 | 6 | BNC | 0 | 6 | SOGEBL | 0.7539301641819299 | 6 | SOGEBL | 4794.564962580645 | 6 | BUH | 84618.9450750497 | 6 BUH | 0 | 7 | CAPITALBK | 0 | 7 | CBNA | 0.9215192249180815 | 7 | CAPITALBK | 4370.8991960420535 | 6 | CAPITALBK | 48712.86506469501 | 7 PROMOBK | #REF! | 8 | SOGEBK | 0 | 8 | BPH | 1.2898922722353827 | 8 | BPH | 1228.0060459701494 | 8 | BPH | 36374.40909652174 | 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 4 2021 | AU 30 Septembre 2021 AU 31 MARS 2004 | COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang SOGEBL | 0.42989772992814124 | 1 | CBNA | 15410.823529411764 | 1 | CBNA | 236122.70588235295 | 1 CBNA | 0 | 1 | CBNA | 0 | 1 | UNIBK | 0.5069837062045659 | 2 | SOGEBL | 8718.59772051282 | 2 | UNIBK | 138832.15069803302 | 2 BNC | 0 | 2 | BPH | 0 | 2 | SOGEBK | 0.5629279869420124 | 3 | UNIBK | 8049.580723824091 | 3 | BNC | 129646.85660613651 | 3 BPH | 0 | 3 | SCOTIA | 0 | 3 | CAPITALBK | 0.6439193413548027 | 4 | SOGEBK | 7021.008349300962 | 4 | SOGEBL | 129215.36456088461 | 4 SCOTIA | 0 | 4 | BNC | 0 | 4 | BUH | 0.7591414674378956 | 5 | BNC | 5277.074524333124 | 5 | SOGEBK | 114418.95399003767 | 5 SOGEBL | 0 | 5 | SOGEBL | 0 | 5 | BNC | 0.8083234277621223 | 6 | BUH | 4545.832566685721 | 6 | BUH | 81896.14012259238 | 6 PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | CBNA | 0.9817472509418579 | 7 | CAPITALBK | 4115.47011706716 | 6 | CAPITALBK | 47934.41774491682 | 7 SOCABK | #REF! | 7 | SOCABK | #REF! | 7 | BPH | 1.375523957854081 | 8 | BPH | 1110.1226162318844 | 8 | BPH | 36234.107127442025 | 8 BUH | 0 | 9 | UNIBK | 0 | 9 CAPITALBK | 0 | 10 | CAPITALBK | 0 | 10 SOGEBK | 0 | 11 | BICH | 11 BICH | #REF! | 12 | SOGEBK | 12 SOCABEL | #REF! | 13 | SOCABEL | 13 TRIM 4 2019 | TRIM 4 2020 | AU 30 Septembre 2020 COEFICIENT | COEFICIENT AU 30 SEPTEMBRE 2003 | D'EXPLOITATION | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | 0.43060720133796815 | Rang | SOGEBL | 0.36568943114524743 | 1 | CBNA | 15011.851851851852 | 1 | CBNA | 146155.11111111112 | 1 0.6124649307584453 | BNC | 0.5025303216521653 | 2 | SOGEBL | 10448.387747222218 | 2 | SOGEBL | 107471.36618722221 | 2 BNC | 0.012804772919886341 | 1 | BPH | 0.6150987278894205 | 1 | CAPITALBK | 0.5987770082353718 | 3 | BNC | 6771.193831553975 | 3 | BNC | 101127.36020557533 | 3 CBNA | 0.009096352708335505 | 2 | BNC | 0.6654913670758014 | 2 | BUH | 0.6039935050982148 | 4 | BUH | 6448.010484938578 | 4 | UNIBK | 92086.94746345775 | 4 BPH | -0.01696378627100233 | 3 | SCOTIA | 0.6863809888817263 | 3 | CBNA | 0.7610776670285206 | 5 | CAPITALBK | 4378.093359631821 | 5 | SOGEBK | 76553.29667132106 | 5 SOGEBL | 0.013230792433120487 | 4 | SOGEBK | 0.7032448524580133 | 4 | SOGEBK | 1.3453705489488625 | 6 | SOGEBK | 2702.1761589190555 | 6 | BUH | 72703.3530543041 | 6 SCOTIA | 0 | 5 | PROMOBK | 0.8990568060299869 | 5 | BPH | 2.820880469579985 | 7 | UNIBK | 2159.9469836315193 | 6 | CAPITALBK | 34450.23274161736 | 7 SOGEBK | 0.014460481781901971 | 6 | CBNA | 1.0039156774860858 | 6 | UNIBK | 3.017082947625521 | 8 | BPH | 696.8258607171315 | 8 | BPH | 34216.30828135458 | 8 UNIBK | 0.026942727683757217 | 8 | UNIBK | 8 CAPITALBK | 0.031499650789018965 | 9 | CAPITALBK | 9 SOCABK | #REF! | 10 | BUH | 10 BUH | 0.010956370573103082 | 11 | SOCABK | 11 SOCABEL | #REF! | 12 | BICH | 12 BICH | #REF! | 13 | SOCABEL | 13 * Banque dessaisie le 25 février 2002 [somfinbilsys] Sept.21 | Sept.20 | Sept. 19 | Sept. 18 SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 12522363.832090711 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3092025721772133 | 18127403.675427593 | 0.11268819226386657 | 16291539.535928499 | -0.2218753639612513 | 20936928.072172258 | 0.41063749319563647 | 14842174.671496972 Avoirs à la BRH | 198598953.7109242 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020561254839336362 | 194597779.18199432 | 0.5581389565547891 | 124891158.36771753 | -0.07505609380724572 | 135025656.7252747 | 0.23709477272798876 | 109147382.805217 Avoirs à l'étranger | 38860322.3835143 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05212361077867282 | 40997246.9252428 | 0.8490523297910515 | 22172031.72928892 | 0.0958618838145898 | 20232505.62571828 | 1.2254090391693744 | 9091589.57728957 Avoirs dans les banques locales | 363405.94549996033 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19455610431840104 | 304218.3989401781 | 0.26425196145166263 | 240631.14649303202 | 0.7420928243156626 | 138127.626228848 | -0.8788853765284528 | 1140470.260895436 Autres liquidités | 1649508.9874436841 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03853822693972354 | 1715626.178452622 | -0.18554549139354778 | 2106472.68855825 | 1.035712684173447 | 1034759.327745474 | -0.4821236607532927 | 1998081.87655496 251994554.85947287 | 0 | 0 | 0 | 0 | 0 | 0 | -0.014654282362830041 | 255742274.3600575 | 0.5433883198973005 | 165701833.4679862 | -0.06577367618252486 | 177367977.37713957 | 0.30207288982375885 | 136219699.19145393 Bons B.R.H. | 6300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03278688524590164 | 6100000 | 0.5061728395061729 | 4050000 | 1.201086956521739 | 1840000 | -0.8577942653991808 | 12939000 Bons du Trésor / M.E.F. | 29715000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12352540834845735 | 26448000 | 0.10420841683366733 | 23952000 | 1.8733779866534261 | 8335833.33319 | 0.7954625829652365 | 4642721.8324 Autres Placements | 83488667.5445304 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13342384868858811 | 73660588.35018319 | 0.4717288979450937 | 50050378.47189929 | -0.26071048992453283 | 67700647.43214078 | 0.25753423219696425 | 53836027.440672494 Portefeuille net | 131955726.11540988 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011533413739891259 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012 | -0.13732603248487774 | 124751434.68466097 | 0.22038259522344747 | 102223216.86079066 Immobilisations | 13577351.81215 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01594408026956757 | 13364270.80568 | 0.030057953242254312 | 12974290.197570002 | 0.19837678230914665 | 10826553.37545 | 0.07226507473117476 | 10096900.1328 Autres actifs | 15592283.640270585 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0764933720026395 | 14484328.511251023 | 0.3738481441274274 | 10542889.018094834 | -0.05212257092046869 | 11122629.039002296 | 0.22068340827293415 | 9111804.882102054 532623583.9718337 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02378265835247903 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705 | -0.06730737764893079 | 401945075.24158365 | 0.221460006520873 | 329069370.34021914 PASSIF Dépôts À vue | 201185862.0532787 | 0 | 0 | 0 | 0 | 0 | 0 | 0.009474574861237426 | 199297602.0034321 | 0.4990879970594297 | 132945899.36972937 | -0.06507977368200733 | 142200260.11557347 | 0.1906349238459129 | 119432293.86909571 Épargne | 149093664.40465552 | 0 | 0 | 0 | 0 | 0 | 0 | 0.048588673021063344 | 142185080.04202008 | 0.45749917098703513 | 97554141.28004664 | -0.060610887447728294 | 103848490.44609116 | 0.2550529695619238 | 82744308.77793108 À terme | 82935335.38455732 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006966085169774798 | 82361597.48178053 | 0.3052412843890737 | 63100668.41038543 | -0.1956522277322602 | 78449484.8944287 | 0.20034062165813882 | 65356019.348957255 433214861.84249157 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022108549691200408 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615 | -0.09521631559106729 | 324498235.4560933 | 0.2129295972771665 | 267532621.99598402 Obligations à vue Banques locales | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | -0.25 | 400000 | 0 | 400000 | -0.8117010008245831 | 2124281.0729300003 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 17407098.067828514 | 0 | 0 | 0 | 0 | 0 | 0 | 0.041965856839157205 | 16706015.800396381 | 0.22279379640350863 | 13662169.246795539 | -0.031013523077518604 | 14099442.63637903 | 0.6913444045749774 | 8336233.943980273 17707098.067828514 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04122554486958608 | 17006015.800396383 | 0.20934512321217313 | 14062169.246795539 | -0.030157944725845806 | 14499442.63637903 | 0.38611173665345355 | 10460515.016910274 Obligations à terme Banques locales | 19818673.45204 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04182259521988271 | 20683720.31439 | 0.08009787716952063 | 19149857.3894 | 0.20483143167381415 | 15894221.287699997 | 0.7511995793061917 | 9076190.67268 Banque à l'étranger | 0.41944 | 0 | 0 | 0 | 0 | 0 | 0 | -0.999344605542977 | 639.981 | -0.8455089016889208 | 4142.51052 | 5.2790585070954466 | 659.73434 | -0.9996995103441091 | 2195530.95112 Autres | 10849079.141085835 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09763685871160045 | 9884033.189100828 | 0.37958104541362175 | 7164517.968668834 | 0.03997763993376929 | 6889107.701512799 | 0.3037422653565075 | 5284102.45228107 30667753.012565836 | 0 | 0 | 0 | 0 | 0 | 0 | 0.003250400716197945 | 30568393.484490827 | 0.1614785314705818 | 26318517.868588835 | 0.15513214950735302 | 22783988.723552797 | 0.3761917630225263 | 16555824.076081071 Autres passifs | 8694850.098942488 | 0 | 0 | 0 | 0 | 0 | 0 | -0.009321139572915721 | 8776658.558348682 | 0.4371087499240954 | 6107163.8168038735 | -0.04282208926218638 | 6380385.243216006 | 0.22199715231366923 | 5221276.687212977 490284563.0218284 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021010648492552075 | 480195347.37046856 | 0.4119714799617799 | 340088559.9923497 | -0.07625308450414144 | 368162052.0592411 | 0.2281474464923859 | 299770237.7761884 AVOIR DES ACTIONNAIRES Capital versé | 14408711.26157 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0005202476478680025 | 14416211.26157 | -0.0009105399908589126 | 14429349.76157 | 0.11320054767539729 | 12962039.76157 | -0.0022020710292995683 | 12990646.08697 Réserves | 7430666.27956 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04731377371098829 | 7094976.182 | 0.20956622179333192 | 5865719.50685 | -0.021812221055108886 | 5996516.85812 | 0.24438547225760932 | 4818857.97593 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 228000 | 0.4250008906255567 | 159999.9 | -0.17525824742268045 | 194000 Surplus d'apport | 1385844.63001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04379439733915115 | 1449316.57601 | 0.08306599211208662 | 1338160.9122300001 | -0.14357217736930486 | 1562491.1719 | 0.0031615761079053705 | 1557566.8059 BNR | 19113798.781044003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11810671679417664 | 17094789.33804 | 0.32093653046427917 | 12941416.142100008 | -0.01225459051212189 | 13101975.486588003 | 0.3454397660104336 | 9738061.723445745 42339020.95218401 | 0 | 0 | 0 | 0 | 0 | 0 | 0.057014376955737765 | 40055293.35762 | 0.15092665615592596 | 34802646.32275001 | 0.030181524583940307 | 33783023.178178005 | 0.15303833899570668 | 29299132.592245743 532623583.97401243 | 0 | 0 | 0 | 0 | 0 | 0 | 0.023782658352151178 | 520250640.72808856 | 0.38773764752116596 | 374891206.3150997 | -0.06730737752251188 | 401945075.2374191 | 0.22146000640348742 | 329069370.36843413 Hors-bilan Effets à l'encaissement | 1283726.343762342 | 0 | 0 | 0 | 1267194.203952186 | 842980.4345114 | 1158998.117186356 | 957140.516234722 Crédit documentaire | 3473904.9657006394 | 0 | 0 | 0 | 3567610.27823485 | 2172312.9430766744 | 3511756.937318244 | 2897345.985376848 Autres | 19819320.619042337 | 0 | 0 | 0 | 20774183.971271355 | 14917365.835079007 | 20421271.079468198 | 21151163.45392444 Portefeuille brut | 140550274.24072292 | 0 | 0 | 0 | 0 | 0 | 0 | 0.015133411408096842 | 138454978.09570163 | 0.218078583345102 | 113666704.25768009 | -0.11658920065531717 | 128668003.99315748 | 0.23052788207132727 | 104563257.66188471 Provisions pour créances douteuses | 8594548.125313032 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07380853753645324 | 8003799.397079452 | 0.32362264382143874 | 6046889.145059981 | 0.5439249681965298 | 3916569.3084965115 | 0.6737183841689384 | 2340040.801094044 Portefeuille de crédit improductif | 8909352.6110824 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1477970530567811 | 7762132.327622954 | 0.352540387218065 | 5738928.316653286 | -0.3175774236858533 | 8409640.178743772 | 2.157719483047736 | 2663200.523001188 Graphe Dépots US | 287934272.32396156 | 214712317.9 | 0.1709444495731933 | 251416196.9 | 0.1452494941624087 | 287934272.32396156 | 0.027156483665932468 | 280321720.1105727 | 0.2483634522489311 | 224551367.3166033 | 0.36879974577312535 | 164049831.25546405 | 0.054226199415042545 | 155611605.314391 Graphe Bons BRH | Sept. 18 | Sept. 19 | Sept. 20 | Sept. 21 | Déc. 21 | 2022-03-01 00:00:00 | Juin 22 | Sept. 22 12939000 | 1840000 | 4050000 | 6100000 | 6300000 | 0 | 0 | 0 immobilisations/Avoir des Actionnaires | 0.32068176133509835 | #DIV/0! | #DIV/0! | #DIV/0! liquidites/actif | 0.5407375180643587 | #DIV/0! | #DIV/0! | #DIV/0! liquidites/depot | 0.664819193031719 | #DIV/0! | #DIV/0! | #DIV/0! comm/sal | 0.6460402239606812 | #DIV/0! | #DIV/0! | #DIV/0! [sofibilcompsys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 12522363.832090711 | 0.023510719782083328 | 0 | 0 | 0 | 0 | 0 | 0 | 18127403.675427593 | 0.034843597021117216 | 16291539.535928499 | 0.04345671294374051 | 20936928.072172258 | 0.05208902748612706 | 14842174.671496972 | 0.045103482758519595 Avoirs à la BRH | 198598953.7109242 | 0.37286924516175113 | 0 | 0 | 0 | 0 | 0 | 0 | 194597779.18199432 | 0.3740462076327554 | 124891158.36771753 | 0.33313973835486366 | 135025656.7252747 | 0.33593061600299334 | 109147382.805217 | 0.3316850264501111 Avoirs à l'étranger | 38860322.3835143 | 0.07296019844583021 | 0 | 0 | 0 | 0 | 0 | 0 | 40997246.9252428 | 0.07880287637521821 | 22172031.72928892 | 0.05914257618896675 | 20232505.62571828 | 0.05033649339666074 | 9091589.57728957 | 0.027628185412364368 Avoirs dans les banques locales | 363405.94549996033 | 0.0006822941312324203 | 0 | 0 | 0 | 0 | 0 | 0 | 304218.3989401781 | 0.0005847535305593619 | 240631.14649303202 | 0.000641869274257934 | 138127.626228848 | 0.0003436480124699333 | 1140470.260895436 | 0.0034657441976940102 Autres liquidités | 1649508.9874436841 | 0.003096950711688564 | 0 | 0 | 0 | 0 | 0 | 0 | 1715626.178452622 | 0.003297691620445056 | 2106472.68855825 | 0.005618890636371528 | 1034759.327745474 | 0.0025743799127867055 | 1998081.87655496 | 0.006071916916755812 251994554.85947287 | 0.4731194082325857 | 0 | 0 | 0 | 0 | 0 | 0 | 255742274.3600575 | 0.49157512618009525 | 165701833.4679862 | 0.4419997873982003 | 177367977.37713957 | 0.4412741648110378 | 136219699.19145393 | 0.4139543557354449 Bons B.R.H. | 6300000 | 0.01182824078689906 | 0 | 0 | 0 | 0 | 0 | 0 | 6100000 | 0.011725117707668715 | 4050000 | 0.01080313416875113 | 1840000 | 0.00457773987874859 | 12939000 | 0.03931997677760951 Bons du Trésor / M.E.F. | 29715000 | 0.0557898690448739 | 0 | 0 | 0 | 0 | 0 | 0 | 26448000 | 0 | 23952000 | 0.06389053570615483 | 8335833.33319 | 0.02073873732170959 | 4642721.8324 | 0 Autres Placements | 83488667.5445304 | 0.15674985122128102 | 0 | 0 | 0 | 0 | 0 | 0 | 73660588.35018319 | 0 | 50050378.47189929 | 0.13350640835276573 | 67700647.43214078 | 0.16843258346043977 | 53836027.440672494 | 0.16360084618332102 Portefeuille net | 131955726.11540988 | 0.2477466828100274 | 0 | 0 | 0 | 0 | 0 | 0 | 130451178.69862218 | 0.2507467910402411 | 107619815.11262012 | 0.2870694572537841 | 124751434.68466097 | 0.31036935732993076 | 102223216.86079066 | 0.31064336603283327 Immobilisations | 13577351.81215 | 0.02549145817183341 | 0 | 0 | 0 | 0 | 0 | 0 | 13364270.80568 | 0.025688139061271903 | 12974290.197570002 | 0.03460814759226206 | 10826553.37545 | 0.026935404965324795 | 10096900.1328 | 0.0306831964408021 Autres actifs | 15592283.640270585 | 0.0292744897324996 | 0 | 0 | 0 | 0 | 0 | 0 | 14484328.511251023 | 0.027841058477206592 | 10542889.018094834 | 0.028122529528081815 | 11122629.039002296 | 0.02767201223280865 | 9111804.882102054 | 0.027689617154831262 532623583.9718337 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 520250640.72579384 | 1 | 374891206.2681705 | 1 | 401945075.24158365 | 1 | 329069370.34021914 | 1 PASSIF Dépôts À vue | 201185862.0532787 | 0.3777261617914348 | 0 | 0 | 0 | 0 | 0 | 0 | 199297602.0034321 | 0.38307997415513995 | 132945899.36972937 | 0.35462528100653645 | 142200260.11557347 | 0.35378032690189304 | 119432293.86909571 | 0.3629395642189874 Épargne | 149093664.40465552 | 0.279923136885617 | 0 | 0 | 0 | 0 | 0 | 0 | 142185080.04202008 | 0.2733011147158989 | 97554141.28004664 | 0.2602198708557153 | 103848490.44609116 | 0.25836487829506166 | 82744308.77793108 | 0.2514494396497102 À terme | 82935335.38455732 | 0.1557109709001228 | 0 | 0 | 0 | 0 | 0 | 0 | 82361597.48178053 | 0.15831138115827997 | 63100668.41038543 | 0.16831728073463453 | 78449484.8944287 | 0.19517463884158226 | 65356019.348957255 | 0.19860863769054773 433214861.84249157 | 0.8133602695771747 | 0 | 0 | 0 | 0 | 0 | 0 | 423844279.5272327 | 0.8146924700293188 | 293600709.0601615 | 0.7831624325968863 | 324498235.4560933 | 0.807319844038537 | 267532621.99598402 | 0.8129976415592453 Obligations à vue Banques locales | 300000 | 0.0005632495612809076 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.0005766451331640351 | 400000 | 0.0010669762141976423 | 400000 | 0.0009951608432062153 | 2124281.0729300003 | 0.00645542023778677 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 17407098.067828514 | 0.03268180116626048 | 0 | 0 | 0 | 0 | 0 | 0 | 16706015.800396381 | 0.03211147568620015 | 13662169.246795539 | 0.0364430240516834 | 14099442.63637903 | 0.03507803305689154 | 8336233.943980273 | 0.025332755629494122 17707098.067828514 | 0.03324505072754139 | 0 | 0 | 0 | 0 | 0 | 0 | 17006015.800396383 | 0.032688120819364196 | 14062169.246795539 | 0.03751000026588104 | 14499442.63637903 | 0.03607319390009776 | 10460515.016910274 | 0.031788175867280895 Obligations à terme Banques locales | 19818673.45204 | 0.037209530423437005 | 0 | 0 | 0 | 0 | 0 | 0 | 20683720.31439 | 0.03975722218339694 | 19149857.3894 | 0.0510811058494169 | 15894221.287699997 | 0.039543266646934264 | 9076190.67268 | 0.027581390098070455 Banque à l'étranger | 0.41944 | 7.87497986612213e-10 | 0 | 0 | 0 | 0 | 0 | 0 | 639.981 | 1.2301397632248413e-06 | 4142.51052 | 1.1049900479758767e-05 | 659.73434 | 1.6413544552162396e-06 | 2195530.95112 | 0.006671939563533605 Autres | 10849079.141085835 | 0.020369130221728142 | 0 | 0 | 0 | 0 | 0 | 0 | 9884033.189100828 | 0.018998598781755967 | 7164517.968668834 | 0.01911092564690314 | 6889107.701512799 | 0.01713942557293977 | 5284102.45228107 | 0.016057715875585528 30667753.012565836 | 0.05757866143266314 | 0 | 0 | 0 | 0 | 0 | 0 | 30568393.484490827 | 0.05875705110491612 | 26318517.868588835 | 0.0702030813967998 | 22783988.723552797 | 0.056684333574329254 | 16555824.076081071 | 0.05031104553718959 Autres passifs | 8694850.098942488 | 0.016324568345442044 | 0 | 0 | 0 | 0 | 0 | 0 | 8776658.558348682 | 0.01687005814371415 | 6107163.8168038735 | 0.016290496321845552 | 6380385.243216006 | 0.015873773896548333 | 5221276.687212977 | 0.015866796359122665 490284563.0218284 | 0.9205085500828212 | 0 | 0 | 0 | 0 | 0 | 0 | 480195347.37046856 | 0.9230077000973133 | 340088559.9923497 | 0.9071660105814127 | 368162052.0592411 | 0.9159511454095123 | 299770237.7761884 | 0.9109636593228385 AVOIR DES ACTIONNAIRES Capital versé | 14408711.26157 | 0.027052334322341918 | 0 | 0 | 0 | 0 | 0 | 0 | 14416211.26157 | 0.02771012687549632 | 14429349.76157 | 0.03848943245483403 | 12962039.76157 | 0.032248286046991224 | 12990646.08697 | 0.03947692267298897 Réserves | 7430666.27956 | 0.013951065073290013 | 0 | 0 | 0 | 0 | 0 | 0 | 7094976.182 | 0.01363761161755016 | 5865719.50685 | 0.015646457982410187 | 5996516.85812 | 0.01491874693206746 | 4818857.97593 | 0.014643897032859258 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 159999.9 | 0 | 194000 | 0.0005895413474655109 Surplus d'apport | 1385844.63001 | 0.0026019212661887807 | 0 | 0 | 0 | 0 | 0 | 0 | 1449316.57601 | 0.002785804499900433 | 1338160.9122300001 | 0 | 1562491.1719 | 0 | 1557566.8059 | 0.0047332475954527725 BNR | 19113798.781044003 | 0.035886129259448604 | 0 | 0 | 0 | 0 | 0 | 0 | 17094789.33804 | 0.03285875691415068 | 12941416.142100008 | 0.034520458004135314 | 13101975.486588003 | 0.032596432432250196 | 9738061.723445745 | 0.029592732114136697 42339020.95218401 | 0.07949144992126933 | 0 | 0 | 0 | 0 | 0 | 0 | 40055293.35762 | 0.07699229990709759 | 34802646.32275001 | 0.09283398954376826 | 33783023.178178005 | 0.08404885458012684 | 29299132.592245743 | 0.0890363407629032 532623583.97401243 | 1.0000000000040905 | 0 | 0 | 0 | 0 | 0 | 0 | 520250640.72808856 | 1.0000000000044107 | 374891206.3150997 | 1.000000000125181 | 401945075.2374191 | 0.9999999999896391 | 329069370.36843413 | 1.0000000000857419 [sofibilgdes&$ ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 4738372.5836607115 | 7783991.248430001 | 12522363.832090713 | 0.37839282161071025 | 7607470.174887593 | 10519933.50054 | 18127403.675427593 | 0.4196668376288115 Avoirs à la BRH | 130938519.37600419 | 67660434.33491999 | 198598953.71092418 | 0.6593112246029006 | 129430368.72212432 | 65167410.45987 | 194597779.18199432 | 0.6651173989045206 Avoirs à l'étranger | 38860322.3835143 | 0 | 38860322.3835143 | 1 | 40997246.9252428 | 0 | 40997246.9252428 | 1 Avoirs dans les banques locales | 127799.5196499608 | 235606.42585000212 | 363405.9454999629 | 0.35167151564936033 | 94958.3491301778 | 209260.0498100003 | 304218.3989401781 | 0.3121387446025266 Autres liquidités | 515680.13575368404 | 1133828.85169 | 1649508.987443684 | 0.3126264480394593 | 726263.469962622 | 989362.7084900001 | 1715626.1784526221 | 0.4233226789635853 175180693.99858287 | 76813860.86088999 | 251994554.85947287 | 0.6951765052870846 | 178856307.64134753 | 76885966.71871 | 255742274.36005753 | 0.6993615274944225 Bons B.R.H. | 0 | 6300000 | 6300000 | 0 | 0 | 6100000 | 6100000 | 0 Bons du Trésor / M.E.F. | 0 | 29715000 | 29715000 | 0 | 0 | 26448000 | 26448000 | 0 Autres Placements | 64017074.82455042 | 19471592.719979998 | 83488667.54453042 | 0.7667756200613165 | 55123090.26768319 | 18537498.0825 | 73660588.35018319 | 0.7483389897135692 Portefeuille net | 62272213.726509884 | 69683512.3889 | 131955726.11540988 | 0.4719174798981133 | 58632557.03458227 | 71818621.6640399 | 130451178.69862217 | 0.4494597719966907 Immobilisations | 0 | 13577351.812150002 | 13577351.812150002 | 0 | 0 | 13364270.805680001 | 13364270.805680001 | 0 Autres actifs | 4413081.391561045 | 11179202.24870954 | 15592283.640270587 | 0.2830298302272586 | 5300946.062748093 | 9183382.34850293 | 14484328.411251023 | 0.3659780358632621 305883063.9412042 | 226740520.03062952 | 532623583.9718337 | 0.5742950052271436 | 297912901.00636107 | 222337739.61943284 | 520250640.62579393 | 0.572633415017059 PASSIF Dépôts À vue | 134350590.2381587 | 66835271.81512 | 201185862.05327868 | 0.6677933969464492 | 131744169.1771621 | 67553432.82627001 | 199297602.0034321 | 0.6610424202439392 Épargne | 95033201.97448553 | 54060462.43017 | 149093664.40465552 | 0.6374060383716619 | 90649060.19443007 | 51536019.84759 | 142185080.04202008 | 0.6375427025651388 À terme | 58550480.11131732 | 24384855.27324 | 82935335.38455732 | 0.7059774924623926 | 57928490.73898055 | 24433106.742799994 | 82361597.48178054 | 0.7033434575111912 287934272.32396156 | 145280589.51853 | 433214861.84249157 | 0.6646454165938768 | 280321720.1105727 | 143522559.41666 | 423844279.5272327 | 0.6613790338830362 Obligations à vue Banques locales | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8591109.695948515 | 8815988.37188 | 17407098.067828514 | 0.49354060409566197 | 8308524.881046379 | 8397490.91935 | 16706015.80039638 | 0.4973373053345996 8591109.695948515 | 9115988.37188 | 17707098.067828514 | 0.4851788623432001 | 8308524.881046379 | 8697490.91935 | 17006015.80039638 | 0.4885638693133945 Obligations à terme Banques locales | 0 | 19818673.45204 | 19818673.45204 | 0 | 0 | 20683720.31439 | 20683720.31439 | 0 Banque à l'étranger | 0.41944 | 0 | 0.41944 | 1 | 639.981 | 0 | 639.981 | 1 Autres | 4884747.632641835 | 5964331.508444 | 10849079.141085835 | 0.45024536821223177 | 4461928.201150828 | 5422104.98795 | 9884033.189100828 | 0.451427885336425 4884748.052081835 | 25783004.960484 | 30667753.012565836 | 0.15927962019520484 | 4462568.182150828 | 26105825.30234 | 30568393.484490827 | 0.14598634973784133 Autres passifs | 4767807.759215675 | 3927042.339726811 | 8694850.098942487 | 0.5483484712169518 | 4808765.327817892 | 3967893.2305307896 | 8776658.558348682 | 0.5479038857269452 306177937.8312076 | 184106625.1906208 | 490284563.0218284 | 0.6244902673339441 | 297901578.5015878 | 182293768.8688808 | 480195347.37046856 | 0.6203758119125592 AVOIR DES ACTIONNAIRES Capital versé | 0 | 14408711.26157 | 14408711.26157 | 0 | 0 | 14416211.26157 | 14416211.26157 | 0 Réserves | 0 | 7430666.27956 | 7430666.27956 | 0 | 0 | 7094976.182000001 | 7094976.182000001 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1385844.63001 | 1385844.63001 | 0 | 0 | 1449316.57601 | 1449316.57601 | 0 BNR | 0 | 19113798.781044 | 19113798.781044 | 0 | 0 | 17094789.33804 | 17094789.33804 | 0 0 | 42339020.952184 | 42339020.952184 | 0 | 0 | 40055293.35762 | 40055293.35762 | 0 306177937.8312076 | 226445646.1428048 | 532623583.9740124 | 0.5748486305220508 | 297901578.5015878 | 222349062.2265008 | 520250640.6280886 | 0.5726116514569535 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes | 0 [somfinrésys] TRIM 1 22 | TRIM 1 21 | TRIM 2 22 | TRIM 2 21 | TRIM 3 22 | TRIM 3 21 | TRIM 4 22 | TRIM 4 21 | CUMUL 22 | CUMUL 21 SYSTÈME BANCAIRE SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 3419042.5401700004 | 0 | 0 | 0 | 0 | 0 | 0 | 2738764.21528 | 0.16162754732237655 | 3181423.95809 | 0.01971444995581617 | 3244143.9814999998 | 0.06865997041136575 | 3466886.81128 Intérêts sur Bons B.R.H. | 171365.50549999997 | 0 | 0 | 0 | 0 | 0 | 0 | 143461.43675 | 0.16877868588612216 | 167674.66952000002 | -0.06594879996874552 | 156616.72628000003 | -0.1668044995608884 | 130492.35162999999 Autres | 943251.56975 | 0 | 0 | 0 | 0 | 0 | 0 | 939276.17781142 | -0.06276583729634022 | 880321.7220585801 | 0.05433504664312821 | 928154.043887592 | 0.019310166553545314 | 946076.853062408 4533659.615420001 | 0 | 0 | 0 | 0 | 0 | 0 | 3821501.82984142 | 0.10674298691728937 | 4229420.34966858 | 0.02352435884194109 | 4328914.751667592 | 0.0495600575692025 | 4543456.015972408 Dépenses d'intérêt | 783525.9312 | 0 | 0 | 0 | 0 | 0 | 0 | 738819.89547 | -0.03606753009386739 | 712172.4866561878 | 0.01588747012784674 | 723487.1057638123 | 0.1147394167150336 | 806499.59428 3750133.6842200006 | 0 | 0 | 0 | 0 | 0 | 0 | 3082681.93437142 | 0.14097008315896295 | 3517247.863012392 | 0.025070676371344615 | 3605427.645903779 | 0.03648076974670724 | 3736956.4216924077 AUTRES REVENUS Commissions | 1392439.7375000003 | 0 | 0 | 0 | 0 | 0 | 0 | 1083489.3257 | 0.016343298867812724 | 1101197.11557 | 0.23587380534097394 | 1360940.66965 | 0.18762474551493025 | 1616286.816454 Gains sur change | 1020534.51562 | 0 | 0 | 0 | 0 | 0 | 0 | 1246162.6528800002 | -0.0863063876705324 | 1138610.8558599998 | -0.23930907907442517 | 866130.9405200002 | 0.20477063403775767 | 1043489.12237 Autres | 919863.4674600001 | 0 | 0 | 0 | 0 | 0 | 0 | 867287.4199172001 | 0.07469020397857376 | 932065.2942188667 | 0.35656227451279066 | 1264404.6155199793 | -0.16107202768808718 | 1060744.40028 3332837.7205800004 | 0 | 0 | 0 | 0 | 0 | 0 | 3196939.3984972 | -0.00784066562541552 | 3171873.2656488665 | 0.10076157944341194 | 3491476.2256899793 | 0.06560093742833864 | 3720520.3391039995 PRODUIT NET BANCAIRE | 7082971.4048000015 | 0 | 0 | 0 | 0 | 0 | 0 | 6279621.332868621 | 0.06521090589479414 | 6689121.128661258 | 0.060962080830806065 | 7096903.871593758 | 0.05080706963580085 | 7457476.760796407 Dotation à la provision pour créances douteuses | 734937.9089200001 | 0 | 0 | 0 | 0 | 0 | 0 | 508178.922202445 | 0.08696088720796084 | 552370.6121375549 | -0.3179460834419262 | 376746.5394 | 0.04823855507456852 | 394920.24809 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 6348033.495880001 | 0 | 0 | 0 | 0 | 0 | 0 | 5771442.410666176 | 0.06329580715947242 | 6136750.516523703 | 0.09506770954745264 | 6720157.332193758 | 0.05095106611155407 | 7062556.512706407 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2155345.26467 | 0 | 0 | 0 | 0 | 0 | 0 | 1769747.3205300001 | 0.054476400654262555 | 1866156.78462 | 0.06819114637568502 | 1993412.1550800002 | 0.03259558441259336 | 2058388.58925 Frais de locaux | 318707.92462 | 0 | 0 | 0 | 0 | 0 | 0 | 264973.13051 | 0.19332094400872096 | 316197.9862371392 | 0.19739947467252508 | 378615.3026128608 | -0.16306309807553912 | 316877.11838999996 Amortissement | 309887.79759000003 | 0 | 0 | 0 | 0 | 0 | 0 | 301555.76876999997 | -0.011583243040739795 | 298062.7750099999 | -0.009982387602410676 | 295087.39686 | 0.13329477303519438 | 334421.00445 Autres dépenses d'exploitation | 1600031.2818629001 | 0 | 0 | 0 | 0 | 0 | 0 | 1331472.7039899998 | -0.0014764862352105608 | 1329506.80287 | 0.0837396486307864 | 1440839.235394574 | 0.2644244656607291 | 1821832.3803167976 4383972.2687429 | 0 | 0 | 0 | 0 | 0 | 0 | 3667748.9238 | 0.038763674365648045 | 3809924.3487371393 | 0.07822458241436804 | 4107954.089947435 | 0.10310850442459109 | 4531519.092406797 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1964061.2271371009 | 0 | 0 | 0 | 0 | 0 | 0 | 2103693.486866176 | 0.10606710640758947 | 2326826.1677865637 | 0.12264649521765938 | 2612203.2422463233 | -0.03107178669486524 | 2531037.42029961 Impôts sur le revenu | 240502.4057744996 | 0 | 0 | 0 | 0 | 0 | 0 | 291036.2914146925 | 0.16644611390231354 | 339478.1511252093 | -0.15039949097578903 | 288420.80999857583 | -0.31213426733729 | 198394.79178484264 0 BÉNÉFICE NET | 1723558.8213626014 | 0 | 0 | 0 | 0 | 0 | 0 | 1812657.1954514836 | 0.09637278446703763 | 1987348.0166613543 | 0.16928812304932198 | 2323782.4322477477 | 0.0038128338281866038 | 2332642.6285147676 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) 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 | 2021 Revenus d'intérêt Prêts | 3419042.5401700004 | 0.24838878830628047 | 2738764.21528 | 0 | 0 | 3181423.95809 | 0 | 0 | 3244143.9814999998 | 0 | 0 | 3466886.81128 | 3419042.5401700004 | 0.24838878830628047 | 2738764.21528 | 12631218.96615 Intérêts sur Bons B.R.H. | 171365.50549999997 | 0.19450571095719893 | 143461.43675 | 0 | 0 | 167674.66952000002 | 0 | 0 | 156616.72628000003 | 0 | 0 | 130492.35162999999 | 171365.50549999997 | 0.19450571095719893 | 143461.43675 | 598245.1841800001 Autres | 943251.56975 | 0.004232399407640585 | 939276.17781142 | 0 | 0 | 880321.7220585801 | 0 | 0 | 928154.043887592 | 0 | 0 | 946076.853062408 | 943251.56975 | 0.004232399407640585 | 939276.17781142 | 3693828.7968200003 4533659.615420001 | 0.1863554741796716 | 3821501.82984142 | 0 | 0 | 4229420.34966858 | 0 | 0 | 4328914.751667592 | 0 | 0 | 4543456.015972408 | 4533659.615420001 | 0.1863554741796716 | 3821501.82984142 | 16923292.947150003 Dépenses d'intérêt | 783525.9312 | 0.06051005935832342 | 738819.89547 | 0 | 0 | 712172.4866561878 | 0 | 0 | 723487.1057638123 | 0 | 0 | 806499.59428 | 783525.9312 | 0.06051005935832342 | 738819.89547 | 2980979.0821700003 3750133.6842200006 | 0.21651658006186045 | 3082681.93437142 | 0 | 0 | 3517247.863012392 | 0 | 0 | 3605427.645903779 | 0 | 0 | 3736956.4216924077 | 3750133.6842200006 | 0.21651658006186045 | 3082681.93437142 | 13942313.864980003 AUTRES REVENUS Commissions | 1392439.7375000003 | 0.2851439367899629 | 1083489.3257 | 0 | 0 | 1101197.11557 | 0 | 0 | 1360940.66965 | 0 | 0 | 1616286.816454 | 1392439.7375000003 | 0.2851439367899629 | 1083489.3257 | 5161913.927374 Gains sur change | 1020534.51562 | -0.18105833675768743 | 1246162.6528800002 | 0 | 0 | 1138610.8558599998 | 0 | 0 | 866130.9405200002 | 0 | 0 | 1043489.12237 | 1020534.51562 | -0.18105833675768743 | 1246162.6528800002 | 4294393.57163 Autres | 919863.4674600001 | 0.060621250043981265 | 867287.4199172001 | 0 | 0 | 932065.2942188667 | 0 | 0 | 1264404.6155199793 | 0 | 0 | 1060744.40028 | 919863.4674600001 | 0.060621250043981265 | 867287.4199172001 | 4124501.7299360456 3332837.7205800004 | 0.042508882760393475 | 3196939.3984972 | 0 | 0 | 3171873.2656488665 | 0 | 0 | 3491476.2256899793 | 0 | 0 | 3720520.3391039995 | 3332837.7205800004 | 0.042508882760393475 | 3196939.3984972 | 13580809.228940044 PRODUIT NET BANCAIRE | 7082971.4048000015 | 0.1279296997936019 | 6279621.332868621 | 0 | 0 | 6689121.128661258 | 0 | 0 | 7096903.871593758 | 0 | 0 | 7457476.760796407 | 7082971.4048000015 | 0.1279296997936019 | 6279621.332868621 | 27523123.093920045 Dotation à la provision pour créances douteuses | 734937.9089200001 | 0.44621879580283014 | 508178.922202445 | 0 | 0 | 552370.6121375549 | 0 | 0 | 376746.5394 | 0 | 0 | 394920.24809 | 734937.9089200001 | 0.44621879580283014 | 508178.922202445 | 1832216.3218299998 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 6348033.495880001 | 0.09990415639394232 | 5771442.410666176 | 0 | 0 | 6136750.516523703 | 0 | 0 | 6720157.332193758 | 0 | 0 | 7062556.512706407 | 6348033.495880001 | 0.09990415639394232 | 5771442.410666176 | 25690906.772090044 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2155345.26467 | 0.2178830501206928 | 1769747.3205300001 | 0 | 0 | 1866156.78462 | 0 | 0 | 1993412.1550800002 | 0 | 0 | 2058388.58925 | 2155345.26467 | 0.2178830501206928 | 1769747.3205300001 | 7687704.84948 Frais de locaux | 318707.92462 | 0.20279337005444817 | 264973.13051 | 0 | 0 | 316197.9862371392 | 0 | 0 | 378615.3026128608 | 0 | 0 | 316877.11838999996 | 318707.92462 | 0.20279337005444817 | 264973.13051 | 1276663.5377500001 Amortissement | 309887.79759000003 | 0.0276301423580293 | 301555.76876999997 | 0 | 0 | 298062.7750099999 | 0 | 0 | 295087.39686 | 0 | 0 | 334421.00445 | 309887.79759000003 | 0.0276301423580293 | 301555.76876999997 | 1229126.94509 Autres dépenses d'exploitation | 1600031.2818629001 | 0.20170040066770856 | 1331472.7039899998 | 0 | 0 | 1329506.80287 | 0 | 0 | 1440839.235394574 | 0 | 0 | 1821832.3803167976 | 1600031.2818629001 | 0.20170040066770856 | 1331472.7039899998 | 5923651.1225713715 4383972.2687429 | 0.19527600166285417 | 3667748.9238 | 0 | 0 | 3809924.3487371393 | 0 | 0 | 4107954.089947435 | 0 | 0 | 4531519.092406797 | 4383972.2687429 | 0.19527600166285417 | 3667748.9238 | 16117146.454891372 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1964061.2271371009 | -0.06637481201554805 | 2103693.486866176 | 0 | 0 | 2326826.1677865637 | 0 | 0 | 2612203.2422463233 | 0 | 0 | 2531037.42029961 | 1964061.2271371009 | -0.06637481201554805 | 2103693.486866176 | 9573760.317198671 Impôts sur le revenu | 240502.4057744996 | -0.17363430998434495 | 291036.2914146925 | 0 | 0 | 339478.1511252093 | 0 | 0 | 288420.80999857583 | 0 | 0 | 198394.79178484264 | 240502.4057744996 | -0.17363430998434495 | 291036.2914146925 | 1117330.0443233203 BÉNÉFICE NET | 1723558.8213626014 | -0.04915346062810859 | 1812657.1954514836 | 0 | 0 | 1987348.0166613543 | 0 | 0 | 2323782.4322477477 | 0 | 0 | 2332642.6285147676 | 1723558.8213626014 | -0.04915346062810859 | 1812657.1954514836 | 8456430.272875352 Marge nette en % Revenu d'intérêt | 0.8271758363739855 | 0.02050817752339651 | 0.806667658850589 | #DIV/0! | 0.8316146356292076 | #DIV/0! | 0.8328710202747445 | #DIV/0! | 0.8224920431836975 | 0.8271758363739855 | 0.806667658850589 Frais d'exploitation en % Produit net bancaire | 0.6189453575616529 | 0.0348736867743763 | 0.5840716707872766 | #DIV/0! | 0.5695702433033452 | #DIV/0! | 0.5788374993199545 | #DIV/0! | 0.6076477658272799 | 0.6189453575616529 | 0.5840716707872766 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 3419042.5401700004 | 0.24838878830628047 | 2738764.21528 | 12631218.96615 | -0.06952042611962546 | 13574955.668800002 | 0.10221107109532396 | 10525297.092449998 | 0.10221107109532396 | 9549257.27791 Intérêts sur Bons B.R.H. | 171365.50549999997 | 0.19450571095719893 | 143461.43675 | 598245.1841800001 | -0.24733858811055026 | 794839.71774 | 0.3764514871167556 | 1539552.70363 | 0.3764514871167556 | 1118493.98111 Autres | 943251.56975 | 0.004232399407640585 | 939276.17781142 | 3693828.79682 | 0.36142045411504387 | 2713216.76243 | 0.045313730158228135 | 1393004.38575 | 0.045313730158228135 | 1332618.4719099998 4533659.615420001 | 0.1863554741796716 | 3821501.82984142 | 16923292.94715 | -0.009349592473926274 | 17083012.14897 | 0.1214532954883421 | 13457854.181829998 | 0.1214532954883421 | 12000369.73093 Dépenses d'intérêt | 783525.9312 | 0.06051005935832342 | 738819.89547 | 2980979.0821700003 | -0.22792589175848493 | 3861001.230775 | -0.06481787968917979 | 2914911.08888 | -0.06481787968917979 | 3116944.8448300003 3750133.6842200006 | 0.21651658006186045 | 3082681.93437142 | 13942313.86498 | 0.05447756405901768 | 13222010.918195 | 0.18681063082400412 | 10542943.092949998 | 0.18681063082400412 | 8883424.8861 AUTRES REVENUS Commissions | 1392439.7375000003 | 0.2851439367899629 | 1083489.3257 | 5161913.927374 | 0.10514798524840199 | 4670789.791300001 | 0.035991983616458355 | 4299968.790990001 | 0.035991983616458355 | 4150581.1425099997 Gains sur change | 1020534.51562 | -0.18105833675768743 | 1246162.6528800002 | 4294393.571629999 | 1.2328472843031368 | 1923281.3644799998 | 0.2911084900348542 | 2144150.21507 | 0.2911084900348542 | 1660704.9149 Autres | 919863.4674600001 | 0.060621250043981265 | 867287.4199172001 | 4124501.7299360465 | 0.09439590354753521 | 3768747.4126742273 | -0.834444320179241 | 1601609.7443873635 | -0.834444320179241 | 9674145.557080055 3332837.7205800004 | 0.042508882760393475 | 3196939.3984972 | 13580809.228940045 | 0.3105323748774103 | 10362818.568454228 | -0.48043238633924795 | 8045728.7504473645 | -0.48043238633924795 | 15485431.614490055 PRODUIT NET BANCAIRE | 7082971.4048000015 | 0.1279296997936019 | 6279621.332868621 | 27523123.093920045 | 0.16698418826814848 | 23584829.48664923 | -0.23719556381534496 | 18588671.843397364 | -0.23719556381534496 | 24368856.500590056 Dotation à la provision pour créances douteuses | 734937.9089200001 | 0.44621879580283014 | 508178.922202445 | 1832216.32183 | 0.3245863568184085 | 1383236.59488 | 0.7516557642478882 | 713683.11167 | 0.7516557642478882 | 407433.42741 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 6348033.495880001 | 0.09990415639394232 | 5771442.410666176 | 25690906.772090044 | 0.15716502402917237 | 22201592.89176923 | -0.2540097189914074 | 17874988.731727365 | -0.2540097189914074 | 23961423.073180057 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2155345.26467 | 0.2178830501206928 | 1769747.3205300001 | 7687704.849479999 | 0.13489467968461985 | 6773936.812899999 | 0.121465999512354 | 5564225.30071 | 0.121465999512354 | 4961563.9735217 Frais de locaux | 318707.92462 | 0.20279337005444817 | 264973.13051 | 1276663.5377500001 | 0.2336156045659248 | 1034895.7430700001 | 0.05854950379052781 | 839056.40617 | 0.05854950379052781 | 792647.3000699999 Amortissement | 309887.79759000003 | 0.0276301423580293 | 301555.76876999997 | 1229126.9450899998 | 0.2975693199377427 | 947253.39618 | 0.17337981531807783 | 915571.8034900001 | 0.17337981531807783 | 780285.96669 Autres dépenses d'exploitation | 1600031.2818629001 | 0.20170040066770856 | 1331472.7039899998 | 5923651.122571371 | 0.02119070775629513 | 5800729.557739999 | 0.0553271902395891 | 4857435.3668 | 0.0553271902395891 | 4602776.66654 4383972.2687429 | 0.19527600166285417 | 3667748.9238 | 16117146.454891369 | 0.1071890307286832 | 14556815.509889998 | 0.09329167793133764 | 12176288.87717 | 0.09329167793133764 | 11137273.9068217 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1964061.2271371009 | -0.06637481201554805 | 2103693.486866176 | 9573760.317198675 | 0.25232689442230183 | 7644777.381879233 | -0.5556274509417913 | 5698699.854557365 | -0.5556274509417913 | 12824149.166358357 Impôts sur le revenu | 240502.4057744996 | -0.17363430998434495 | 291036.2914146925 | 1117330.0443233203 | 0.39497735244855886 | 800966.4403240001 | 0.47219818940911573 | 433976.05940499995 | 0.47219818940911573 | 294781.00335063 BÉNÉFICE NET | 1723558.8213626014 | -0.04915346062810859 | 1812657.1954514836 | 8456430.272875356 | 0.23563177666530638 | 6843810.941555233 | 0.29993732014143915 | 5264723.795152365 | -0.5798093146710962 | 12529368.163007727 [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 DECEMBRE 2021 Actif | 108859455 | 5019668.45532 | 39813213.65781089 | 39530490 | 137729941.83322 | 185693147.29682285 | 516645916.2431738 | 10442659.728659997 | 10442659.728659997 | 5535008 | 5535008 | 532623583.97183377 Bons B.R.H. | 800000 | 0 | 0 | 0 | 5500000 | 0 | 6300000 | 0 | 0 | 0 | 0 | 6300000 Prêts | 24192121 | 301918.07063 | 13391292.247499876 | 12071898 | 36854833.957820006 | 40241685.21874 | 127053748.49468988 | 4805310.620719998 | 4805310.620719998 | 96667 | 96667 | 131955726.11540988 Dépôts | 82488908 | 4211935.7594 | 32376269.186209247 | 31432427 | 111195888.19211048 | 160528799.63742182 | 422234227.77514154 | 6894128.06735 | 6894128.06735 | 4086506 | 4086506 | 433214861.8424915 Avoir des Actionnaires | 9131542 | -370377.00749 | 3452039.581454 | 4313138 | 10450653.54064 | 13930342.47979 | 40907338.594394 | 947979.35779 | 947979.35779 | 483703 | 483703 | 42339020.952184 AU 30 SEPTEMBRE 2021 Actif | 103523015 | 5000306.783586999 | 38532133.92767971 | 38898780 | 136673440.5411 | 181523037.03767818 | 504150713.29004484 | 10078798.435749 | 10078798.435749 | 6021129 | 6021129 | 520250640.72579384 Bons B.R.H. | 1000000 | 0 | 0 | 150000 | 4950000 | 0 | 6100000 | 0 | 0 | 0 | 0 | 6100000 Prêts | 24226185 | 299724.2969170001 | 12879428.636476168 | 11921831 | 35277167.734450005 | 40850938.74394 | 125455275.41178316 | 4821323.286839 | 4821323.286839 | 174580 | 174580 | 130451178.69862215 Dépôts | 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475045 | 412709271.8361727 | 6588415.69106 | 6588415.69106 | 4546592 | 4546592 | 423844279.5272327 Avoir des Actionnaires | 8702304 | -349436.25961000007 | 3236395.48593 | 4029883 | 9770321.51472 | 13327493.47487 | 38716961.21591 | 859737.1417099999 | 859737.1417099999 | 478595 | 478595 | 40055293.35762 VARIATION Déc. 21 /Sept. 21 Actif | 0.05154834410493164 | 0.0038720967674529577 | 0.03324704862013651 | 0.016239840941026942 | 0.007730114116811905 | 0.022972898245852327 | 0.02478465788848398 | 0.036101653905528934 | 0.036101653905528934 | -0.08073585535204444 | -0.08073585535204444 | 0.023782658352479145 Bons B.R.H. | 0 | 0 | 0 | 0 | 0.1111111111111111 | 0 | 0.03278688524590164 | 0 | 0 | 0 | 0 | 0.03278688524590164 Prêts | -0.001406081890318265 | 0.007319305560360986 | 0.03974272659689615 | 0.012587579877621147 | 0.044722020635157934 | -0.014914064252449549 | 0.012741377974421866 | -0.0033212180902102866 | -0.0033212180902102866 | -0.4462882346202314 | -0.4462882346202314 | 0.01153341373989149 Dépôts | 0.0564763974746076 | 0.026117546552034764 | 0.026982115008091775 | 0.015038885936974536 | -0.0013506171828760341 | 0.024521346348935977 | 0.02307909365978534 | 0.046401500850170925 | 0.046401500850170925 | -0.10119359731420809 | -0.10119359731420809 | 0.02210854969120027 Avoir des Actionnaires | 0.04932463862443785 | -0.05992723223220034 | 0.06663094682386544 | 0.07028864113424634 | 0.06963251157037251 | 0.04523348715620966 | 0.056574103692412246 | 0.10263859940317126 | 0.10263859940317126 | 0.010672907155319216 | 0.010672907155319216 | 0.05701437695573758 RÉSULTATS TRIM 1 2022 (Oct.-Déc. 21) Revenus nets d'intérêt | 1024630.00398 | 37831.35607000001 | 329174.73889999994 | 382934 | 1015107.8006099999 | 872904.7152700002 | 3662582.61483 | 78591.06939 | 78591.06939 | 8960 | 8960 | 3750133.6842199997 Autres revenus | 548012 | 3306.84647 | 260276.57534999988 | 500534 | 735473.94398 | 1192303.7280200003 | 3239907.09382 | 14303.62676 | 14303.62676 | 78627 | 78627 | 3332837.72058 Dot. à la provision pr créances dout. | 270000 | 9000 | 128533.94244999999 | 21624 | 311635.48749 | 11980.207999999999 | 752773.6379399999 | -17835.72902 | -17835.72902 | 0 | 0 | 734937.90892 Frais d'exploitation | 873404 | 53063.84955 | 428023.73943 | 490253 | 982523.2874799999 | 1405955.17441 | 4233223.050869999 | 70036.11352 | 70036.11352 | 80713.1043529 | 80713.1043529 | 4383972.268742899 Bénéfice net | 429238.00398000004 | -20925.647009999993 | 23025.54265900023 | 315758 | 336422.9696199999 | 605595.2088000003 | 1689114.0780490004 | 29706.84766650001 | 29706.84766650001 | 4737.895647099998 | 4737.895647099998 | 1723558.8213626002 TRIM 1 2021 (Oct.-Déc. 20) Revenus nets d'intérêt | 921713.8019099998 | 32222.617920000008 | 350384.10326142004 | 293849 | 637783.0936300001 | 748775.86372 | 2984728.4804414203 | 83456.45393000002 | 83456.45393000002 | 14497 | 14497 | 3082681.93437142 Autres revenus | 298849 | 8852.062259999999 | 186073.71945 | 430594 | 916948.8586372 | 1264000.21888 | 3105317.8592272 | 19394.53927 | 19394.53927 | 72227 | 72227 | 3196939.3984972 Dot. à la provision pr créances dout. | 300000 | 12000 | 82072.62491244498 | 18932 | 52083.80394999999 | 39757.16 | 504845.588862445 | 3333.33334 | 3333.33334 | 0 | 0 | 508178.922202445 Frais d'exploitation | 656399.17874 | 49246.504680000005 | 323297.18305 | 439471 | 900057.6048399999 | 1167605.6794500002 | 3536077.15076 | 71621.77304 | 71621.77304 | 60050 | 60050 | 3667748.9238 Bénéfice net | 264163.6231699999 | -20171.824499999995 | 91761.61032428255 | 230294 | 523590.5434772002 | 684266.2456 | 1773904.1980714826 | 20363.99738000003 | 20363.99738000003 | 18389 | 18389 | 1812657.1954514827 VARIATION TRIM 1 22 / TRIM 1 21 Revenus nets d'intérêt | 0.11165743841172232 | 0.1740621498825754 | -0.06053175404934363 | 0.30316591174378676 | 0.591619173898797 | 0.16577571148369352 | 0.22710747018714736 | -0.05829848155399589 | -0.05829848155399589 | -0.38194109126026077 | -0.38194109126026077 | 0.21651658006186014 Autres revenus | 0.8337421239488839 | -0.6264320818276756 | 0.3987820317631635 | 0.1624267871823574 | -0.19791170788621087 | -0.05672189750372694 | 0.043341532395107005 | -0.26249205712634605 | -0.26249205712634605 | 0.08860952275464853 | 0.08860952275464853 | 0.04250888276039333 Dot. à la provision pr créances dout. | 0 | -0.25 | 0.5661000557386815 | 0.14219311219099937 | 4.983347295239178 | -0.6986653976290057 | 0.4910967918650227 | -6.350718695298562 | -6.350718695298562 | 0 | 0 | 0.44621879580282986 Frais d'exploitation | 0.3305988616203856 | 0.07751504182489309 | 0.32393278342856263 | 0.11555256205756466 | 0.09162267192293726 | 0.2041352651455705 | 0.19715234435995366 | -0.022139350265936966 | -0.022139350265936966 | 0.3440983239450458 | 0.3440983239450458 | 0.19527600166285392 Bénéfice net | 0.6248944454542408 | -0.03737007081337627 | -0.7490721601590391 | 0.37110823555976274 | -0.3574693549929451 | -0.11497138329688751 | -0.04779859031545371 | 0.45879255001652164 | 0.45879255001652164 | -0.7423516424438524 | -0.7423516424438524 | -0.04915346062810874 RÉSULTATS CUMUL 2022 (Octobre - Décembre 21) Revenus nets d'intérêt | 1024630.00398 | 37831.35607000001 | 329174.73889999994 | 382934 | 1015107.8006099999 | 872904.7152700002 | 3662582.61483 | 78591.06939 | 78591.06939 | 8960 | 8960 | 3750133.6842199997 Autres revenus | 548012 | 3306.84647 | 260276.57534999988 | 500534 | 735473.94398 | 1192303.7280200003 | 3239907.09382 | 14303.62676 | 14303.62676 | 78627 | 78627 | 3332837.72058 Dot. à la provision pr créances dout. | 270000 | 9000 | 128533.94244999999 | 21624 | 311635.48749 | 11980.207999999999 | 752773.6379399999 | -17835.72902 | -17835.72902 | 0 | 0 | 734937.90892 Frais d'exploitation | 873404 | 53063.84955 | 428023.73943 | 490253 | 982523.2874799999 | 1405955.17441 | 4233223.050869999 | 70036.11352 | 70036.11352 | 80713.1043529 | 80713.1043529 | 4383972.268742899 Bénéfice net | 429238.00398000004 | -20925.647009999993 | 23025.54265900023 | 315758 | 336422.9696199999 | 605595.2088000003 | 1689114.0780490004 | 29706.84766650001 | 29706.84766650001 | 4737.895647099998 | 4737.895647099998 | 1723558.8213626002 CUMUL 2021 (Octobre -Décembre 20) Revenus nets d'intérêt | 921713.8019099998 | 32222.617920000008 | 350384.10326142004 | 293849 | 637783.0936300001 | 748775.86372 | 2984728.4804414203 | 83456.45393000002 | 83456.45393000002 | 14497 | 14497 | 3082681.93437142 Autres revenus | 298849 | 8852.062259999999 | 186073.71945 | 430594 | 916948.8586372 | 1264000.21888 | 3105317.8592272 | 19394.53927 | 19394.53927 | 72227 | 72227 | 3196939.3984972 Dot. à la provision pr créances dout. | 300000 | 12000 | 82072.62491244498 | 18932 | 52083.80394999999 | 39757.16 | 504845.588862445 | 3333.33334 | 3333.33334 | 0 | 0 | 508178.922202445 Frais d'exploitation | 656399.17874 | 49246.504680000005 | 323297.18305 | 439471 | 900057.6048399999 | 1167605.6794500002 | 3536077.15076 | 71621.77304 | 71621.77304 | 60050 | 60050 | 3667748.9238 Bénéfice net | 264163.6231699999 | -20171.824499999995 | 91761.61032428255 | 230294 | 523590.5434772002 | 684266.2456 | 1773904.1980714826 | 20363.99738000003 | 20363.99738000003 | 18389 | 18389 | 1812657.1954514827 VARIATION CUMUL 22/ CUMUL 21 Revenus nets d'intérêt | 0.11165743841172232 | 0.1740621498825754 | -0.06053175404934363 | 0.30316591174378676 | 0.591619173898797 | 0.16577571148369352 | 0.22710747018714736 | -0.05829848155399589 | -0.05829848155399589 | -0.38194109126026077 | -0.38194109126026077 | 0.21651658006186014 Autres revenus | 0.8337421239488839 | -0.6264320818276756 | 0.3987820317631635 | 0.1624267871823574 | -0.19791170788621087 | -0.05672189750372694 | 0.043341532395107005 | -0.26249205712634605 | -0.26249205712634605 | 0.08860952275464853 | 0.08860952275464853 | 0.04250888276039333 Dot. à la provision pr créances dout. | -0.1 | -0.25 | 0.5661000557386815 | 0.14219311219099937 | 4.983347295239178 | -0.6986653976290057 | 0.4910967918650227 | -6.350718695298562 | -6.350718695298562 | 0 | 0 | 0.44621879580282986 Frais d'exploitation | 0.3305988616203856 | 0.07751504182489309 | 0.32393278342856263 | 0.11555256205756466 | 0.09162267192293726 | 0.2041352651455705 | 0.19715234435995366 | -0.022139350265936966 | -0.022139350265936966 | 0.3440983239450458 | 0.3440983239450458 | 0.19527600166285392 Bénéfice net | 0.6248944454542408 | -0.03737007081337627 | -0.7490721601590391 | 0.37110823555976274 | -0.3574693549929451 | -0.11497138329688751 | -0.04779859031545371 | 0.45879255001652164 | 0.45879255001652164 | -0.7423516424438524 | -0.7423516424438524 | -0.04915346062810874 0 | 0 [sysratfinclé déc. 21] 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 2021 | 0.08388377472586098 | -0.07378515349902502 | 0.08670587637370364 | 0.10910914587701796 | 0.07587786215211584 | 0.07501807515558408 | 0.07917867403628101 | 0.09077949319637985 | 0.09077949319637985 | 0.08738975625690153 | 0.08738975625690153 | 0.07949144992126932 Au 30 septembre 2021 | 0.08406153935914637 | -0.06988296413271866 | 0.08399211660595632 | 0.10359921313727577 | 0.07148661419540324 | 0.0734203971703253 | 0.07679640273291768 | 0.0853015512901374 | 0.0853015512901374 | 0.07948592365318863 | 0.07948592365318863 | 0.07699229990709759 Dépôts en % de l'actif Au 31 décembre 2021 | 0.7577560258775868 | 0.8390864450292649 | 0.8132041152085546 | 0.7951438750190043 | 0.807347238458576 | 0.8644842417411513 | 0.8172603605297932 | 0.6601889026824257 | 0.6601889026824257 | 0.7383017332585607 | 0.7383017332585607 | 0.8133602695771748 Au 30 septembre 2021 | 0.7542213873890747 | 0.8208956876052808 | 0.8181649316827374 | 0.7960846586962368 | 0.8146884569724315 | 0.8631776716154627 | 0.8186228065470085 | 0.6536905895142436 | 0.6536905895142436 | 0.7551062267558127 | 0.7551062267558127 | 0.8146924700293188 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2021 | 0.20211804927361274 | 0.8512048658350672 | 0.06724836294736215 | 0.005374122210170579 | 0.024104693348327433 | 0.0012444096297049678 | 0.06409929382153762 | 0.04529955565395707 | 0.04529955565395707 | 0 | 0 | 0.0633890802363231 Au 30 septembre 2021 | 0.16976937609801523 | 0.8479007695801347 | 0.0562751812861468 | 0.004266541929389752 | 0.022182784323064426 | 0.00510104968168687 | 0.05669662057101958 | 0.041209673197505875 | 0.041209673197505875 | 0 | 0 | 0.05606250085322091 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2021 | 0.6122969985606395 | 0.8936029231728382 | 1.2026752139673502 | 3.40737826468541 | 1.979905757227218 | 15.52892382998423 | 0.9695995607870291 | 0.7747545230483569 | 0.7747545230483569 | 0 | 0 | 0.9646658405485288 Au 30 septembre 2021 | 0.6749281125897745 | 0.8961444012475123 | 0.8647964786194402 | 4.266213712168005 | 2.3057497200171206 | 4.3646363278449485 | 1.0318074368622332 | 1.0065933566073082 | 1.0065933566073082 | 0 | 0 | 1.0311341084197292 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2021 | 0.23692405948524356 | -0.3084294049302841 | -0.057524902065865635 | -0.03688590534316315 | -0.08747310755687124 | -0.05325811370584367 | 0.006453365711147582 | 0.05360292830474964 | 0.05360292830474964 | 0 | 0 | 0.007435327475448581 Au 30 septembre 2021 | 0.17351669167153894 | -0.3145075045865524 | 0.03182783967513231 | -0.04199030095910973 | -0.11022049368770048 | -0.05380588016584977 | -0.006206591825387157 | -0.0015896654962255787 | -0.0015896654962255787 | 0 | 0 | -0.006033336650386162 0.009333333333333334 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2022 (octobre - décembre 2022) | 0.01616849089211553 | -0.016707144687341653 | 0.0023511841730103717 | 0.032208179420769825 | 0.009808128943864911 | 0.013193213907987396 | 0.013237614852403145 | 0.011580794085294199 | 0.011580794085294199 | 0.003279916565267441 | 0.003279916565267441 | 0.013096028231539882 TRIM 1 2021 (octobre - décembre 2020) | 0.012470793637631103 | -0.01830541585449488 | 0.012250896342965088 | 0.03336798146833412 | 0.020215390686816784 | 0.021673758006321035 | 0.018841623615484214 | 0.010144421633480342 | 0.010144421633480342 | 0.016946241483941145 | 0.016946241483941145 | 0.018640930026998497 CUMUL 2022 (octobre - décembre 2021) | 0.01616849089211553 | -0.016707144687341653 | 0.0023511841730103717 | 0.032208179420769825 | 0.009808128943864911 | 0.013193213907987396 | 0.013237614852403145 | 0.011580794085294199 | 0.011580794085294199 | 0.003279916565267441 | 0.003279916565267441 | 0.013096028231539882 CUMUL 2021 (octobre - décembre 2020) | 0.012470793637631103 | -0.01830541585449488 | 0.012250896342965088 | 0.03336798146833412 | 0.020215390686816784 | 0.021673758006321035 | 0.018841623615484214 | 0.010144421633480342 | 0.010144421633480342 | 0.016946241483941145 | 0.016946241483941145 | 0.018640930026998497 ROE (rendement de l'avoir des actionn.) TRIM 1 2022 (octobre - décembre 2022) | 0.19254983091364591 | -0.23256750567330567 | 0.027540723564809667 | 0.3027756971964951 | 0.13309861416631294 | 0.17773830903005863 | 0.16970840128685602 | 0.13146684305737846 | 0.13146684305737846 | 0.03938817827408972 | 0.03938817827408972 | 0.16734735504996034 TRIM 1 2021 (octobre - décembre 2020) | 0.1271939622553386 | -0.2598636870561391 | 0.1235062043858538 | 0.26673392134850654 | 0.24530124191037384 | 0.23752732553700803 | 0.20576887400990942 | 0.09346161164203193 | 0.09346161164203193 | 0.16287360444981777 | 0.16287360444981777 | 0.20249425544731464 CUMUL 2022 (octobre - décembre 2021) | 0.19254983091364591 | 0.23256750567330567 | 0.027540723564809667 | 0.3027756971964951 | 0.13309861416631294 | 0.17773830903005863 | 0.16970840128685602 | 0.13146684305737846 | 0.13146684305737846 | 0.03938817827408972 | 0.03938817827408972 | 0.16734735504996034 CUMUL 2021 (octobre - décembre 2020) | 0.1271939622553386 | -0.2598636870561391 | 0.1235062043858538 | 0.26673392134850654 | 0.24530124191037384 | 0.23752732553700803 | 0.20576887400990942 | 0.09346161164203193 | 0.09346161164203193 | 0.16287360444981777 | 0.16287360444981777 | 0.20249425544731464 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2022 (octobre - décembre 2022) | 0.8886635835034999 | 0.7892105191389053 | 0.7265999638428119 | 0.7923433610666821 | 0.8431528894548621 | 0.8196891011932392 | 0.8312473459779608 | 0.6667259404459324 | 0.6667259404459324 | 0.928016571724495 | 0.928016571724495 | 0.8271758363739855 TRIM 1 2021 (octobre - décembre 2020) | 0.860679006709034 | 0.6236424772342565 | 0.7758288881241188 | 0.7646304208669223 | 0.7923417478643643 | 0.8121787384952652 | 0.8098835538067094 | 0.6891529778092829 | 0.6891529778092829 | 0.9650512581547064 | 0.9650512581547064 | 0.806667658850589 CUMUL 2022 (octobre - décembre 2021) | 0.8886635835034999 | 0.7892105191389053 | 0.7265999638428119 | 0.7923433610666821 | 0.8431528894548621 | 0.8196891011932392 | 0.8312473459779608 | 0.6667259404459324 | 0.6667259404459324 | 0.928016571724495 | 0.928016571724495 | 0.8271758363739855 CUMUL 2021 (octobre - décembre 2020) | 0.860679006709034 | 0.6236424772342565 | 0.7758288881241188 | 0.7646304208669223 | 0.7923417478643643 | 0.8121787384952652 | 0.8098835538067094 | 0.6891529778092829 | 0.6891529778092829 | 0.9650512581547064 | 0.9650512581547064 | 0.806667658850589 Rendement moyen des prêts TRIM 1 2022 (octobre - décembre 2022) | 0.08589862098799866 | 0.019014571024067263 | 0.12014482903510515 | 0.15380860495812324 | 0.10279429023144279 | 0.08110200438311217 | 0.098325082254928 | 0.0854568669018463 | 0.0854568669018463 | 0.275055576651539 | 0.275055576651539 | 0.09803521651405528 TRIM 1 2021 (octobre - décembre 2020) | 0.08893715156774118 | 0.036068292592882474 | 0.12065094548672055 | 0.16635889327623654 | 0.07862725203503054 | 0.08706029625624709 | 0.0946107738568613 | 0.1083401042030888 | 0.1083401042030888 | 0.1683189517644306 | 0.1683189517644306 | 0.09535995170154736 CUMUL 2022 (octobre - décembre 2021) | 0.08589862098799866 | 0.019014571024067263 | 0.12014482903510515 | 0.15380860495812324 | 0.10279429023144279 | 0.08110200438311217 | 0.098325082254928 | 0.0854568669018463 | 0.0854568669018463 | 0.275055576651539 | 0.275055576651539 | 0.09803521651405528 CUMUL 2021 (octobre - décembre 2020) | 0.08893715156774118 | 0.036068292592882474 | 0.12065094548672055 | 0.16635889327623654 | 0.07862725203503054 | 0.08706029625624709 | 0.0946107738568613 | 0.1083401042030888 | 0.1083401042030888 | 0.1683189517644306 | 0.1683189517644306 | 0.09535995170154736 Rendement moyen des prêts productifs TRIM 1 2022 (octobre - décembre 2022) | 0.10552870884454604 | 0.12639438934139802 | 0.12808113194977452 | 0.15455414737226594 | 0.10523177675496481 | 0.08136155684165879 | 0.1046488642582421 | 0.08931943441497857 | 0.08931943441497857 | 0.275055576651539 | 0.275055576651539 | 0.10426541955573583 TRIM 1 2021 (octobre - décembre 2020) | 0.10368138598454345 | 0.19700428660106364 | 0.12237616910096386 | 0.16780375965483182 | 0.08105658154990979 | 0.08774133154736452 | 0.09974643424804061 | 0.116778895449475 | 0.116778895449475 | 0.1683189517644306 | 0.1683189517644306 | 0.10060345287324719 CUMUL 2022 (octobre - décembre 2021) | 0.10552870884454604 | 0.12639438934139802 | 0.12808113194977452 | 0.15455414737226594 | 0.10523177675496481 | 0.08136155684165879 | 0.1046488642582421 | 0.08931943441497857 | 0.08931943441497857 | 0.275055576651539 | 0.275055576651539 | 0.10426541955573583 CUMUL 2021 (octobre - décembre 2020) | 0.10368138598454345 | 0.19700428660106364 | 0.12237616910096386 | 0.16780375965483182 | 0.08105658154990979 | 0.08774133154736452 | 0.09974643424804061 | 0.116778895449475 | 0.116778895449475 | 0.1683189517644306 | 0.1683189517644306 | 0.10060345287324719 Rémunération moyenne des dépôts TRIM 1 2022 (octobre - décembre 2022) | 0.006395837581269216 | 0.009719606946130055 | 0.015506216519273159 | 0.012866713935473704 | 0.0067882845377061915 | 0.004842563642848403 | 0.007124274898084846 | 0.023310173482949868 | 0.023310173482949868 | 0.0006440329995095619 | 0.0006440329995095619 | 0.007313623001071261 TRIM 1 2021 (octobre - décembre 2020) | 0.009523812489152763 | 0.0216522155731742 | 0.017502141109453466 | 0.016658034825003665 | 0.008273527177211096 | 0.0064593769735604295 | 0.009368346749387423 | 0.03197459006175399 | 0.03197459006175399 | 0.0006467133029080388 | 0.0006467133029080388 | 0.00962276839785126 CUMUL 2022 (octobre - décembre 2021) | 0.006395837581269216 | 0.009719606946130055 | 0.015506216519273159 | 0.012866713935473704 | 0.0067882845377061915 | 0.004842563642848403 | 0.007124274898084846 | 0.023310173482949868 | 0.023310173482949868 | 0.0006440329995095619 | 0.0006440329995095619 | 0.007313623001071261 CUMUL 2021 (octobre - décembre 2020) | 0.009523812489152763 | 0.0216522155731742 | 0.017502141109453466 | 0.016658034825003665 | 0.008273527177211096 | 0.0064593769735604295 | 0.009368346749387423 | 0.03197459006175399 | 0.03197459006175399 | 0.0006467133029080388 | 0.0006467133029080388 | 0.00962276839785126 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2022 (octobre - décembre 2022) | 0.5553736945786852 | 1.2898922722353827 | 0.7261392571065934 | 0.5549187972852441 | 0.5612553029964988 | 0.6807812446138509 | 0.6132892955370941 | 0.7539301641819299 | 0.7539301641819299 | 0.9215192249180815 | 0.9215192249180815 | 0.6189453575616531 TRIM 1 2021 (octobre - décembre 2020) | 0.537784026936453 | 1.1989504109146782 | 0.602651633293291 | 0.6066329580104991 | 0.578914972145188 | 0.5800971551399535 | 0.5806322240484642 | 0.6963644279129818 | 0.6963644279129818 | 0.6924265485909321 | 0.6924265485909321 | 0.5840716707872766 CUMUL 2022 (octobre - décembre 2021) | 0.5553736945786852 | 1.2898922722353827 | 0.7261392571065934 | 0.5549187972852441 | 0.5612553029964988 | 0.6807812446138509 | 0.6132892955370941 | 0.7539301641819299 | 0.7539301641819299 | 0.9215192249180815 | 0.9215192249180815 | 0.6189453575616531 CUMUL 2021 (octobre - décembre 2020) | 0.537784026936453 | 1.1989504109146782 | 0.602651633293291 | 0.6066329580104991 | 0.578914972145188 | 0.5800971551399535 | 0.5806322240484642 | 0.6963644279129818 | 0.6963644279129818 | 0.6924265485909321 | 0.6924265485909321 | 0.5840716707872766 Productivité par employé ('000) TRIM 1 2022 (octobre - décembre 2022) | 8116.861956025807 | 1228.0060459701494 | 5027.303319829422 | 4370.8991960420535 | 5992.577645151903 | 6293.968589074287 | 5915.3634353722555 | 4794.564962580645 | 4794.564962580645 | 14299.918367346938 | 14299.918367346938 | 5940.22132701541 TRIM 1 2021 (octobre - décembre 2020) | 5826.075426778043 | 1283.5837556250003 | 5233.734855721171 | 3739.0606451612903 | 4935.656991324445 | 6150.576264629489 | 5161.056220058153 | 5635.670860273974 | 5635.670860273974 | 13603.764705882353 | 13603.764705882353 | 5212.926290645321 CUMUL 2022 (octobre - décembre 2021) | 8116.861956025807 | 1228.0060459701494 | 5027.303319829422 | 4370.8991960420535 | 5992.577645151903 | 6293.968589074287 | 5915.3634353722555 | 4794.564962580645 | 4794.564962580645 | 14299.918367346938 | 14299.918367346938 | 5940.22132701541 CUMUL 2021 (octobre - décembre 2020) | 5826.075426778043 | 1283.5837556250003 | 5233.734855721171 | 3739.0606451612903 | 4935.656991324445 | 6150.576264629489 | 5161.056220058153 | 5635.670860273974 | 5635.670860273974 | 13603.764705882353 | 13603.764705882353 | 5212.926290645321 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. 21 ] 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 2021 | 0.08406153935914637 | -0.06988296413271866 | 0.08399211660595632 | 0.10359921313727577 | 0.07148661419540324 | 0.0734203971703253 | 0.07679640273291768 | 0.0853015512901374 | 0.0853015512901374 | 0.07948592365318863 | 0.07948592365318863 | 0.07699229990709759 Au 30 septembre 2020 | 0.0958980531432077 | -0.07142906262228461 | 0.10144165313577588 | 0.13037541849237627 | 0.0828600973304912 | 0.0924458378601654 | 0.09219251933346459 | 0.11337303882952046 | 0.11337303882952046 | 0.11160061304732567 | 0.11160061304732567 | 0.09283398954376823 Dépôts en % de l'actif Au 30 septembre 2021 | 0.7542213873890747 | 0.8208956876052808 | 0.8181649316827374 | 0.7960846586962368 | 0.8146884569724315 | 0.8631776716154627 | 0.8186228065470085 | 0.6536905895142436 | 0.6536905895142436 | 0.7551062267558127 | 0.7551062267558127 | 0.8146924700293188 Au 30 septembre 2020 | 0.7205992813031565 | 0.8151621272007507 | 0.7583432115006496 | 0.7838680058422708 | 0.7795264229645499 | 0.8498735706272129 | 0.7881736101890643 | 0.5654159338549604 | 0.5654159338549604 | 0.7489050192236153 | 0.7489050192236153 | 0.7831624325968862 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2021 | 0.16976937609801523 | 0.8479007695801347 | 0.0562751812861468 | 0.004266541929389752 | 0.022182784323064426 | 0.00510104968168687 | 0.05669662057101958 | 0.041209673197505875 | 0.041209673197505875 | 0 | 0 | 0.05606250085322091 Au 30 septembre 2020 | 0.13055755492733703 | 0.8186232390920686 | 0.011131736542746701 | 0.007614790344608182 | 0.024323463171792417 | 0.007357425798568143 | 0.04836889237792247 | 0.10797350993144256 | 0.10797350993144256 | 0 | 0 | 0.05048908872771796 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2021 | 0.6749281125897745 | 0.8961444012475123 | 0.8647964786194402 | 4.266213712168005 | 2.3057497200171206 | 4.3646363278449485 | 1.0318074368622332 | 1.0065933566073082 | 1.0065933566073082 | 0 | 0 | 1.0311341084197292 Au 30 septembre 2020 | 0.6360964566757642 | 1.031441875855655 | 3.0256460890261523 | 4.6709410548086865 | 1.8597512318566836 | 3.4385272737597514 | 1.1106903922967761 | 0.4099381920533815 | 0.4099381920533815 | 0 | 0 | 1.0536617311481398 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2021 | 0.17351669167153894 | -0.3145075045865524 | 0.03182783967513231 | -0.04199030095910973 | -0.11022049368770048 | -0.05380588016584977 | -0.006206591825387157 | -0.0015896654962255787 | -0.0015896654962255787 | 0 | 0 | -0.006033336650386162 Au 30 septembre 2020 | 0.14306456095303147 | 0.0905450304367197 | -0.09815945941558532 | -0.06755074569100036 | -0.07791846873366302 | -0.05158466141060321 | -0.01742712147524919 | 0.3141390730281408 | 0.3141390730281408 | 0 | 0 | -0.008848776197957844 0.009333333333333334 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2021 (juil -sept. 2021) | 0.007092017454618105 | -0.021462729209159464 | 0.016194076911043343 | 0.027038860349803677 | 0.010910178118068653 | 0.03136814345189947 | 0.01869078612691421 | 0.021528959182623354 | 0.021528959182623354 | 0.0007894553515114816 | 0.0007894553515114816 | 0.018524008042875087 TRIM 4 2020 (juil -sept. 2020) | 0.004853745671943869 | -0.03697978396790052 | 0.021370914366379466 | 0.02830752219768892 | -0.011395177788574858 | -0.031876980094077696 | -0.009701771018789461 | 0.0281814484208293 | 0.0281814484208293 | 0.01444978952461686 | 0.01444978952461686 | -0.008671861777922408 CUMUL 2021 (octobre 2020 - septembre 2021) | 0.012804772919886341 | -0.01696378627100233 | 0.010956370573103082 | 0.031499650789018965 | 0.014460481781901971 | 0.026942727683757217 | 0.019122978888857053 | 0.013230792433120487 | 0.013230792433120487 | 0.009096352708335505 | 0.009096352708335505 | 0.018894056402956595 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.017398664580816927 | -0.01384151012519602 | 0.017798307209976546 | 0.03708833677721373 | 0.006944139450366293 | 0.004703772889657475 | 0.011337492199427273 | 0.018926296875654385 | 0.018926296875654385 | 0.008412710989497203 | 0.008412710989497203 | 0.011456388140477728 ROE (rendement de l'avoir des actionn.) TRIM 4 2021 (juil -sept. 2021) | 0.08446849810592559 | -0.3032502690607328 | 0.19534602721218705 | 0.26365356523203864 | 0.14913466179446705 | 0.4176692944741584 | 0.24053365163174312 | 0.25529244308418203 | 0.25529244308418203 | 0.010223019778993838 | 0.010223019778993838 | 0.23800529161167186 TRIM 4 2020 (juil -sept. 2020) | 0.05362062776464416 | -0.5747376095717522 | 0.24385665070783374 | 0.26436614052968554 | -0.163165026533376 | -0.39684953203266277 | -0.12050201388741075 | 0.30590930766205016 | 0.30590930766205016 | 0.1505558455968166 | 0.1505558455968166 | -0.107174063180555 CUMUL 2021 (octobre 2020 - septembre 2021) | 0.14321902315891402 | -0.24028951709875565 | 0.11978733622570949 | 0.2754054352069889 | 0.18970505628022494 | 0.33250992580766514 | 0.2297232660027154 | 0.1357098966561243 | 0.1357098966561243 | 0.09865834630528723 | 0.09865834630528723 | 0.22593275500188215 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.18678417782147982 | -0.35945502947495706 | 0.17784013761266987 | 0.33232252197036666 | 0.09027107495292935 | 0.05209944945323502 | 0.12869126722779084 | 0.19215134776134005 | 0.19215134776134005 | 0.09764153412958018 | 0.09764153412958018 | 0.12976089651586392 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2021 (juil -sept. 2021) | 0.8518941068722917 | 0.7597660660389763 | 0.7360296533034459 | 0.79286147909074 | 0.8547467143931372 | 0.8143983484464385 | 0.8239679439284258 | 0.777693770580007 | 0.777693770580007 | 0.945003996802558 | 0.945003996802558 | 0.8224920431836975 TRIM 4 2020 (juil -sept. 2020) | 0.856229322873195 | 0.5666611903373127 | 0.7294318275101508 | 0.7325417413451561 | 0.7514289962720991 | 0.7809230515489263 | 0.7843373458901877 | 0.7180259464874132 | 0.7294318275101508 | 0.948596550557998 | 0.948596550557998 | 0.7823215736062261 CUMUL 2021 (octobre 2020 - septembre 2021) | 0.8742902521344234 | 0.7160007339410267 | 0.7567250680954185 | 0.7860901596732269 | 0.8423585141703387 | 0.8144197355633667 | 0.8268462114178328 | 0.7220485329128635 | 0.7220485329128635 | 0.9639843695967909 | 0.9639843695967909 | 0.8238534845742289 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.8426242348035025 | 0.6270836139314504 | 0.7438871561707947 | 0.7121990318744932 | 0.7572600983235017 | 0.7526856023912105 | 0.7718990767544225 | 0.7041521584010543 | 0.7041521584010543 | 0.9649378835503667 | 0.9649378835503667 | 0.7704450787600935 Rendement moyen des prêts TRIM 4 2021 (juil -sept. 2021) | 0.0595073358709039 | 0.02124883778780394 | 0.12598274163437903 | 0.15763842318655025 | 0.12206266712866583 | 0.08341231836162408 | 0.10002672927033587 | 0.13635095499968106 | 0.13635095499968106 | 0.168980034323853 | 0.168980034323853 | 0.10149017793016407 TRIM 4 2020 (juil -sept. 2020) | 0.11833462816134278 | 0.03242497816048294 | 0.13684728122923748 | 0.16945794829809502 | 0.07622705155188007 | 0.10209902988540677 | 0.10716137584669644 | 0.1340789937062624 | 0.1340789937062624 | 0.13831043129686876 | 0.13831043129686876 | 0.10832701582544366 CUMUL 2021 (octobre 2020 - septembre 2021) | 0.0788273284435848 | 0.02910772446253817 | 0.12312780632975993 | 0.15817093593204473 | 0.11293254586404694 | 0.07923305842060718 | 0.09943968462282779 | 0.11328782114511048 | 0.11328782114511048 | 0.21806725986208111 | 0.21806725986208111 | 0.10019938664732281 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.09596795073503067 | 0.03294439579726986 | 0.1408633310661932 | 0.17517687234157814 | 0.10474456280882675 | 0.10349718727420207 | 0.11221770181281511 | 0.13074904120467093 | 0.13074904120467093 | 0.14944610562908586 | 0.14944610562908586 | 0.11306702887653855 Rendement moyen des prêts productifs TRIM 4 2021 (juil -sept. 2021) | 0.07144962549061415 | 0.11783191176656298 | 0.13120950464970205 | 0.15881153727301772 | 0.1256067621622073 | 0.08390678795619183 | 0.10620209834610393 | 0.14329892334287975 | 0.14329892334287975 | 0.168980034323853 | 0.168980034323853 | 0.10770176699907041 TRIM 4 2020 (juil -sept. 2020) | 0.14908727526674145 | 0.1841902290633599 | 0.13946517839045652 | 0.17134595010205933 | 0.0785202181939746 | 0.10300836769249488 | 0.1146492303590443 | 0.14922789049284296 | 0.14922789049284296 | 0.13831043129686876 | 0.13831043129686876 | 0.11604626000199306 CUMUL 2021 (octobre 2020 - septembre 2021) | 0.09286895347513731 | 0.1756920006057282 | 0.12751218829470384 | 0.15906512222369967 | 0.11560786424484201 | 0.07971792423496582 | 0.10499937051792098 | 0.12208767337087792 | 0.12208767337087792 | 0.21806725986208111 | 0.21806725986208111 | 0.10586862841677029 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.11747621163588289 | 0.16981827014559475 | 0.14309615667796707 | 0.1765311040190458 | 0.10696415029108244 | 0.10427436132643232 | 0.11887733485666233 | 0.1492995192767712 | 0.1492995192767712 | 0.14944610562908586 | 0.14944610562908586 | 0.12007769396051457 Rémunération moyenne des dépôts TRIM 4 2021 (juil -sept. 2021) | 0.007456133150984377 | 0.010925372085006697 | 0.016017987007527094 | 0.01343180660724761 | 0.007379153007411191 | 0.005145168179978547 | 0.007710867698890333 | 0.024342398391869465 | 0.024342398391869465 | 0.0005652515898471202 | 0.0005652515898471202 | 0.00788972336797361 TRIM 4 2020 (juil -sept. 2020) | 0.010804277397690198 | 0.020349270902167836 | 0.021818631897430163 | 0.018188893745654272 | 0.008899415187510463 | 0.0074734089190782935 | 0.010574537505724414 | 0.03452087421442709 | 0.03452087421442709 | 0.0008842208748842005 | 0.0008842208748842005 | 0.010857599662206214 CUMUL 2021 (octobre 2020 - septembre 2021) | 0.007464132650801321 | 0.014843405159227984 | 0.01675649045222914 | 0.013981043459199304 | 0.007707438933025915 | 0.00552208416672816 | 0.008079008599326318 | 0.028342112403161347 | 0.028342112403161347 | 0.0005553250957889135 | 0.0005553250957889135 | 0.0083099864925933 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.012282762603193555 | 0.022461311082748087 | 0.023804172036362935 | 0.023385415843127966 | 0.011920106321050889 | 0.009864320691438952 | 0.013101877370454275 | 0.037619099417430135 | 0.037619099417430135 | 0.0007479361910118877 | 0.0007479361910118877 | 0.013334542446873971 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2021 (juil -sept. 2021) | 0.8083234277621223 | 1.375523957854081 | 0.7591414674378956 | 0.6439193413548027 | 0.5629279869420124 | 0.5069837062045659 | 0.6067390060323881 | 0.42989772992814124 | 0.42989772992814124 | 0.9817472509418579 | 0.9817472509418579 | 0.6076477658272801 TRIM 4 2020 (juil -sept. 2020) | 0.5025303216521653 | 2.820880469579985 | 0.6039935050982148 | 0.5987770082353718 | 1.3453705489488625 | 3.017082947625521 | 1.1047947910348392 | 0.36568943114524743 | 0.36568943114524743 | 0.7610776670285206 | 0.7610776670285206 | 1.0684399848131745 CUMUL 2021 (octobre 2020 - septembre 2021) | 0.6400812257592949 | 1.181564322333451 | 0.7158666312225299 | 0.6041727397791697 | 0.555873771274293 | 0.5273483255696426 | 0.5825064155011429 | 0.5871313365281908 | 0.5871313365281908 | 0.8148668377746718 | 0.8148668377746718 | 0.5855856691805337 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.5068533381221949 | 1.2216681302844923 | 0.6222613343159268 | 0.583526490831943 | 0.7507729451108703 | 0.892320545087006 | 0.7033331176051488 | 0.49087972928381 | 0.49087972928381 | 0.8389449896326516 | 0.8389449896326516 | 0.7006410517279876 Productivité par employé ('000) TRIM 4 2021 (juil -sept. 2021) | 5277.074524333124 | 1110.1226162318844 | 4545.832566685721 | 4115.47011706716 | 7021.008349300962 | 8049.580723824091 | 6091.914081344271 | 8718.59772051282 | 8718.59772051282 | 15410.823529411764 | 15410.823529411764 | 6183.645738637154 TRIM 4 2020 (juil -sept. 2020) | 6771.193831553975 | 696.8258607171315 | 6448.010484938578 | 4378.093359631821 | 2702.1761589190555 | 2159.9469836315193 | 3810.96166738958 | 10448.387747222218 | 10448.387747222218 | 15011.851851851852 | 15011.851851851852 | 3973.055292800555 CUMUL 2021 (octobre 2020 - septembre 2021) | 5654.609610621538 | 1276.8962666165414 | 4810.9360983483275 | 3980.501262626263 | 5891.257228819139 | 7150.438652770809 | 5651.703867990268 | 6494.667963108108 | 6494.667963108108 | 14206.88 | 14206.88 | 5709.007071960184 CUMUL 2020 (octobre 2019 - septembre 2020) | 6294.964816176287 | 1360.743204496124 | 5877.378218485537 | 4014.313700384123 | 4177.999999988923 | 4908.461462201694 | 4776.005709503647 | 7456.544110000001 | 7456.544110000001 | 14047.6 | 14047.6 | 4869.394611425701 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 21 ] 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 2021 | 0.08388377472586098 | -0.07378515349902502 | 0.08670587637370364 | 0.10910914587701796 | 0.07587786215211584 | 0.07501807515558408 | 0.07917867403628101 | 0.09077949319637985 | 0.09077949319637985 | 0.08738975625690153 | 0.08738975625690153 | 0.07949144992126932 Au 30 septembre 2020 | 0.08406153935914637 | -0.06988296413271866 | 0.08399211660595632 | 0.10359921313727577 | 0.07148661419540324 | 0.0734203971703253 | 0.09219251933346459 | 0.0853015512901374 | 0.11337303882952046 | 0.07948592365318863 | 0.11160061304732567 | 0.09283398954376823 Dépôts en % de l'actif Au 30 juin 2021 | 0.7577560258775868 | 0.8390864450292649 | 0.8132041152085546 | 0.7951438750190043 | 0.807347238458576 | 0.8644842417411513 | 0.8172603605297932 | 0.6601889026824257 | 0.6601889026824257 | 0.7383017332585607 | 0.7383017332585607 | 0.8133602695771748 Au 30 septembre 2020 | 0.7542213873890747 | 0.8208956876052808 | 0.8181649316827374 | 0.7960846586962368 | 0.8146884569724315 | 0.8631776716154627 | 0.7881736101890643 | 0.6536905895142436 | 0.5654159338549604 | 0.7551062267558127 | 0.7489050192236153 | 0.7831624325968862 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2021 | 0.20211804927361274 | 0.8512048658350672 | 0.06724836294736215 | 0.005374122210170579 | 0.024104693348327433 | 0.0012444096297049678 | 0.06409929382153762 | 0.04529955565395707 | 0.04529955565395707 | 0 | 0 | 0.0633890802363231 Au 30 septembre 2020 | 0.16976937609801523 | 0.8479007695801347 | 0.0562751812861468 | 0.004266541929389752 | 0.022182784323064426 | 0.00510104968168687 | 0.04836889237792247 | 0.041209673197505875 | 0.10797350993144256 | 0 | #REF! | 0.05048908872771796 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2021 | 0.6122969985606395 | 0.8936029231728382 | 1.2026752139673502 | 3.40737826468541 | 1.979905757227218 | 15.52892382998423 | 0.9695995607870291 | 0.7747545230483569 | 0.7747545230483569 | 0 | 0 | 0.9646658405485288 Au 30 septembre 2020 | 0.6749281125897745 | 0.8961444012475123 | 0.8647964786194402 | 4.266213712168005 | 2.3057497200171206 | 4.3646363278449485 | 1.1106903922967761 | 1.0065933566073082 | 0.4099381920533815 | 0 | 0 | 1.0536617311481398 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2021 | 0.23692405948524356 | -0.3084294049302841 | -0.057524902065865635 | -0.03688590534316315 | -0.08747310755687124 | -0.05325811370584367 | 0.006453365711147582 | 0.05360292830474964 | 0.05360292830474964 | 0 | 0 | 0.007435327475448581 Au 30 septembre 2020 | 0.17351669167153894 | -0.3145075045865524 | 0.03182783967513231 | -0.04199030095910973 | -0.11022049368770048 | -0.05380588016584977 | -0.01742712147524919 | -0.0015896654962255787 | 0.3141390730281408 | 0 | 0 | -0.008848776197957844 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2021 (avril - juin 2021) | 0.031544380153657764 | -0.03334984722000489 | 0.00462671370503303 | 0.06390166172997097 | 0.019541021517449346 | 0.02609014786450816 | 0.014264213088030947 | 0.022758070023076005 | 0.012178547261626663 | 0.0068478970900855045 | 0.0036343348631231046 | 0.014109127331613302 TRIM 3 2020 (avril -juin 2020) | 0.01671781611158322 | -0.019696825537021165 | 0.011562846079486438 | 0.03766775670982875 | 0.019376008718451118 | 0.025363711573072118 | 0.02123464223938926 | 0.008750219344335227 | 0.008750219344335227 | 0.019918500282076743 | 0.019918500282076743 | 0.020961593270304342 CUMUL 2021 (octobre 2020 - juin 2021) | 0.005896840661252661 | -0.005991285471472255 | 0.0008940685157956146 | 0.012810325830648457 | 0.003811504967247248 | 0.005266342622629111 | 0.005119382701271081 | 0.0043572967200421085 | 0.0043572967200421085 | 0.0013325732736952872 | 0.0013325732736952872 | 0.005064553114061554 CUMUL 2020 (octobre 2019 - juin 2020) | 0.020154043170710813 | -0.004379773190810974 | 0.01398615209050747 | 0.03350865102549872 | 0.011668164563625709 | 0.015418680427257693 | 0.01640762213435388 | 0.013433877026329944 | 0.013433877026329944 | 0.006052542617894445 | 0.006052542617894445 | 0.016211839440447514 ROE (rendement de l'avoir des actionn.) TRIM 3 2021 (avril - juin 2021) | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! | 0.1754861649646438 | #DIV/0! | 0.13673895034969463 | #DIV/0! | 0.039769883991597595 | 0.17301810114229116 TRIM 3 2020 (avril -juin 2020) | 0.18516519498386913 | -0.575103723938027 | 0.14036933275488783 | 0.39386697908793306 | 0.3227633296304878 | 0.33271491901803113 | 0.28259368810436797 | 0.11399442932197489 | 0.11399442932197489 | 0.2598155058988841 | 0.2598155058988841 | 0.27876566931097746 CUMUL 2021 (octobre 2020 - juin 2021) | 0.06613752914764678 | -0.08241235501079781 | 0.009624091294960687 | 0.10894458061453192 | 0.048385064241024706 | 0.06430810398840357 | 0.06054797795545371 | 0.04340125059384389 | 0.04340125059384389 | 0.013672100846517328 | 0.013672100846517328 | 0.059580730094751046 CUMUL 2020 (octobre 2019 - juin 2020) | 0.229488462759281 | 0.12185897328660679 | 0.1618529160175133 | 0.36286767819878446 | 0.17912738460798303 | 0.19487669947681951 | 0.21240157845486204 | 0.1687797791184871 | 0.1687797791184871 | 0.07898945940599655 | 0.07898945940599655 | 0.20975921484032908 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2021 (avril - juin 2021) | 0.8886635835034999 | 0.7892105191389053 | 0.7265999638428119 | 0.7923433610666821 | 0.8431528894548621 | 0.8196891011932392 | 0.8312473459779608 | 0.6667259404459324 | 0.6667259404459324 | 0.928016571724495 | 0.928016571724495 | 0.8271758363739855 TRIM 3 2020 (avril -juin 2020) | 0.860679006709034 | 0.6236424772342565 | 0.7758288881241188 | 0.7646304208669223 | 0.7923417478643643 | 0.8121787384952652 | 0.8098835538067094 | 0.6891529778092829 | 0.7758288881241188 | 0.9650512581547064 | 0.9650512581547064 | 0.806667658850589 CUMUL 2021 (octobre 2020 - juin 2021) | 0.8886635835034999 | 0.7892105191389053 | 0.7265999638428119 | 0.7923433610666821 | 0.8431528894548621 | 0.8196891011932392 | 0.8312473459779608 | 0.6667259404459324 | 0.6667259404459324 | 0.928016571724495 | 0.928016571724495 | 0.8271758363739855 CUMUL 2020 (octobre 2019 - juin 2020) | 0.860679006709034 | 0.6236424772342565 | 0.7758288881241188 | 0.7646304208669223 | 0.7923417478643643 | 0.8121787384952652 | 0.8098835538067094 | 0.6891529778092829 | 0.6891529778092829 | 0.9650512581547064 | 0.9650512581547064 | 0.806667658850589 Rendement moyen des prêts TRIM 3 2021 (avril - juin 2021) | 0.08474643072798307 | 0.0295292166594282 | 0.12477180299064285 | 0.15199273738950833 | 0.1020599175131736 | 0.08742319634003601 | 0.10059058569507281 | 0.10898288311511962 | 0.10898288311511962 | 0.1602680412371134 | 0.1602680412371134 | 0.10107985959163049 TRIM 3 2020 (avril -juin 2020) | 0.0761037858979287 | 0.02717998566663581 | 0.12252313684931804 | 0.15196241202275046 | 0.09003649668553176 | 0.08948115191460596 | 0.09600222334402854 | 0.10439704882376909 | 0.10439704882376909 | 0.12207447978057359 | 0.12207447978057359 | 0.09645599972261636 CUMUL 2021 (octobre 2020 - juin 2021) | 0.08113177234916391 | 0.031738462889034584 | 0.12111910004764792 | 0.1507427096096784 | 0.10257954816361832 | 0.08394312509946462 | 0.09791743650111308 | 0.10452001362766024 | 0.10452001362766024 | 0.15902420918124963 | 0.15902420918124963 | 0.09834675952444356 CUMUL 2020 (octobre 2019 - juin 2020) | 0.08580751221077627 | 0.028679509245921705 | 0.12573311818906568 | 0.15655293207174217 | 0.10291644670512982 | 0.09282356622653164 | 0.10336503576338883 | 0.11176967130898917 | 0.11176967130898917 | 0.13817620260423236 | 0.13817620260423236 | 0.10383919973789829 Rendement moyen des prêts productifs TRIM 3 2021 (avril - juin 2021) | 0.10582423467139783 | 0.15454946294665925 | 0.12774798609108376 | 0.15381702411472062 | 0.10557434635869704 | 0.08800329345712204 | 0.10761555560200615 | 0.11612915953941053 | 0.11612915953941053 | 0.1602680412371134 | 0.1602680412371134 | 0.10810025696384597 TRIM 3 2020 (avril -juin 2020) | 0.1026545648523384 | 0.14603705681488094 | 0.12508606985818635 | 0.1536951746564488 | 0.09249745034058196 | 0.09033207016532609 | 0.10347088851369121 | 0.11789607028379416 | 0.11789607028379416 | 0.12207447978057359 | 0.12207447978057359 | 0.10411567979150106 CUMUL 2021 (octobre 2020 - juin 2021) | 0.09533568281052374 | 0.16178865938725037 | 0.12326635908768756 | 0.15216700221113102 | 0.1057271849837681 | 0.08454175246285034 | 0.10356040336134466 | 0.11365819553254182 | 0.11365819553254182 | 0.15902420918124963 | 0.15902420918124963 | 0.10410207260438241 CUMUL 2020 (octobre 2019 - juin 2020) | 0.11630923544859122 | 0.15285602476774549 | 0.12857967364614703 | 0.15822450605786711 | 0.10563403189048777 | 0.09364601161456572 | 0.11130940406810645 | 0.126470625214243 | 0.126470625214243 | 0.13817620260423236 | 0.13817620260423236 | 0.11199624543507698 Rémunération moyenne des dépôts TRIM 3 2021 (avril - juin 2021) | 0.0050218503472347345 | 0.012742361755426663 | 0.01686857881220145 | 0.012812880223162095 | 0.0075743847382476375 | 0.0054722765556840195 | 0.007482609935130662 | 0.02637652120070441 | 0.02637652120070441 | 0.0005538608264819324 | 0.0005538608264819324 | 0.007707240064408809 TRIM 3 2020 (avril -juin 2020) | 0.010319204897890061 | 0.021772563742620245 | 0.019568605126516144 | 0.017842006666433586 | 0.008835914920241673 | 0.007005045976102866 | 0.010058637838116693 | 0.029852248273961962 | 0.029852248273961962 | 0.000705288572336619 | 0.000705288572336619 | 0.010274560858726349 CUMUL 2021 (octobre 2020 - juin 2021) | 0.007418710827146502 | 0.01611759195242225 | 0.016956339898408963 | 0.013817184207536031 | 0.007823627508606296 | 0.005704400204351631 | 0.008204816405275513 | 0.02870548845154153 | 0.02870548845154153 | 0.00045666668917264153 | 0.00045666668917264153 | 0.008433992969096847 CUMUL 2020 (octobre 2019 - juin 2020) | 0.01129260164010539 | 0.01906907625088311 | 0.020122123980743912 | 0.02038541302442347 | 0.010496967386364865 | 0.008831450356259173 | 0.011606283274948163 | 0.030266711426524578 | 0.030266711426524578 | 0.0006448047669652465 | 0.0006448047669652465 | 0.011783822403044632 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2021 (avril - juin 2021) | 0.6246110448243485 | 1.0742760794429367 | 0.7804203446984224 | 0.5663817318954867 | 0.5487321502113339 | 0.5234028433647885 | 0.5759887824259728 | 0.6295859323189572 | 0.6295859323189572 | 0.714050408601038 | 0.714050408601038 | 0.5788374993199545 TRIM 3 2020 (avril -juin 2020) | 0.5330854115431719 | 1.475878295617167 | 0.7020692859809257 | 0.5576210332676578 | 0.551046928884019 | 0.4979191023478426 | 0.5484775374015628 | 0.5743850275828992 | 0.5743850275828992 | 0.6689164816314098 | 0.6689164816314098 | 0.5510856088452428 CUMUL 2021 (octobre 2020 - juin 2021) | 0.5900287883852877 | 1.12508580630968 | 0.7009461688080615 | 0.5898540362982718 | 0.5530196198995774 | 0.5352571045997448 | 0.5735715347343397 | 0.6731980620337789 | 0.6731980620337789 | 0.7510551889423257 | 0.7510551889423257 | 0.577386203770543 CUMUL 2020 (octobre 2019 - juin 2020) | 0.5085464793731093 | 0.994149657309267 | 0.6293371628296133 | 0.5780139256920072 | 0.6407201760379787 | 0.6263802046196718 | 0.6035550373107437 | 0.5569687580842909 | 0.5569687580842909 | 0.866632278167865 | 0.866632278167865 | 0.6066740678073432 Productivité par employé ('000) TRIM 3 2021 (avril - juin 2021) | 5864.200743157895 | 1330.947511208791 | 4358.543166911083 | 4179.288282703038 | 6157.552107541993 | 7388.594293415194 | 5792.006687304584 | 5733.70324789809 | 5733.70324789809 | 15509.735849056604 | 15509.735849056604 | 5844.079359006699 TRIM 3 2020 (avril -juin 2020) | 5428.266831469195 | 1330.2014478124997 | 5480.877952543107 | 4210.55418559377 | 5611.390085062202 | 7036.744971306013 | 5617.315340755176 | 5916.39277823129 | 5916.39277823129 | 17821.571428571428 | 17821.571428571428 | 5692.983989899741 CUMUL 2021 (octobre 2020 - juin 2021) | 5708.882396952842 | 1318.5761724310778 | 4731.768857292424 | 3904.200463255422 | 5501.06123980472 | 6869.65307844867 | 5462.233584593238 | 5521.649310577777 | 5521.649310577777 | 12927.194968553458 | 12927.194968553458 | 5503.845939278239 CUMUL 2020 (octobre 2019 - juin 2020) | 6016.206496478843 | 1619.7413649538867 | 5692.377138946443 | 3990.11306042885 | 4778.4373387837395 | 5859.448208504588 | 5150.51817680965 | 6419.040370810812 | 6419.040370810812 | 13332.350877192983 | 13332.350877192983 | 5218.91781590136 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 21] 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 2021 | 0.0948315766302183 | -0.0716250148818382 | 0.08436013832260632 | 0.10337781237774364 | 0.07430550977955246 | 0.08489967587128552 | 0.08380948310720086 | 0.08708968373660052 | 0.08708968373660052 | 0.09590143887199921 | 0.09590143887199921 | 0.08400949850111171 Au 30 septembre 2020 | 0.0958980531432077 | -0.07142906262228461 | 0.10144165313577588 | 0.13037541849237627 | 0.0828600973304912 | 0.0924458378601654 | 0.09219251933346459 | 0.11337303882952046 | 0.11337303882952046 | 0.11160061304732567 | 0.11160061304732567 | 0.09283398954376823 Dépôts en % de l'actif Au 31 mars 2021 | 0.7629197197773505 | 0.8186713604882353 | 0.8045583095191543 | 0.7938251442710883 | 0.7948975098119582 | 0.8477213180020461 | 0.8069771897413346 | 0.6389670374533006 | 0.6389670374533006 | 0.7544537073720813 | 0.7544537073720813 | 0.8029713996475818 Au 30 septembre 2020 | 0.7205992813031565 | 0.8151621272007507 | 0.7583432115006496 | 0.7838680058422708 | 0.7795264229645499 | 0.8498735706272129 | 0.7881736101890643 | 0.5654159338549604 | 0.5654159338549604 | 0.7489050192236153 | 0.7489050192236153 | 0.7831624325968862 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2021 | 0.242369143598233 | 0.8282275368390069 | 0.023238997907172158 | 0.013330043549093564 | 0.032485101414225705 | 0.006342784256435427 | 0.07152161139388523 | 0.06748037632945818 | 0.06748037632945818 | 0 | 0 | 0.07115137887925091 Au 30 septembre 2020 | 0.13055755492733703 | 0.8186232390920686 | 0.011131736542746701 | 0.007614790344608182 | 0.024323463171792417 | 0.007357425798568143 | 0.04836889237792247 | 0.10797350993144256 | 0.10797350993144256 | 0 | 0 | 0.05048908872771796 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2021 | 0.4654249779586107 | 0.9890083138436083 | 2.143375173607974 | 1.4805886283780385 | 1.4791320687108593 | 3.8172097800532683 | 0.8281716743416778 | 0.5472490246093445 | 0.5472490246093445 | 0 | 0 | 0.8181924651120227 Au 30 septembre 2020 | 0.6360964566757642 | 1.031441875855655 | 3.0256460890261523 | 4.6709410548086865 | 1.8597512318566836 | 3.4385272737597514 | 1.1106903922967761 | 0.4099381920533815 | 0.4099381920533815 | 0 | 0 | 1.0536617311481398 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2021 | 0.34250034276312785 | -0.03159475345519711 | -0.12079170343034856 | -0.019318737505888715 | -0.062120775122623074 | -0.04839020566217188 | 0.03983341807454742 | 0.17661717851295514 | 0.17661717851295514 | 0 | 0 | 0.042225837494665845 Au 30 septembre 2020 | 0.14306456095303147 | 0.0905450304367197 | -0.09815945941558532 | -0.06755074569100036 | -0.07791846873366302 | -0.05158466141060321 | -0.01742712147524919 | 0.3141390730281408 | 0.3141390730281408 | 0 | 0 | -0.008848776197957844 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2021 (janvier - mars 2021) | 0.014181647999382863 | -0.014789636562890783 | 0.008490465296919368 | 0.03089614726902001 | 0.01163932429539868 | 0.029466854034049854 | 0.019152103326115874 | 0.007921694207018425 | 0.007921694207018425 | 0.00452794510635063 | 0.00452794510635063 | 0.01875555629071537 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 CUMUL 2021 (octobre 2020 - mars 2021) | 0.013000776036840621 | -0.016631145664755296 | 0.010192278390245505 | 0.03160925509821831 | 0.015798375622706428 | 0.02554758130049813 | 0.01883674330815754 | 0.008944144979402147 | 0.008944144979402147 | 0.010786427580115717 | 0.010786427580115717 | 0.01854699892343865 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 ROE (rendement de l'avoir des actionn.) TRIM 2 2021 (janvier - mars 2021) | 0.14559895728159106 | -0.2095531725646275 | 0.0939170011122735 | 0.2777222418048247 | 0.14923073947529855 | 0.33722268121826876 | 0.21958650755454254 | 0.08320843599857068 | 0.08320843599857068 | 0.0467715809008893 | 0.0467715809008893 | 0.21436953178105866 TRIM 2 2020 (janvier - mars 2020) | 0.23081001833348017 | -0.253815752921139 | 0.16397783591910184 | 0.29289911761559234 | 0.1313127199346995 | 0.23027969178714316 | 0.20843053712728732 | 0.20107861944078553 | 0.20107861944078553 | 0.02722273037779759 | 0.02722273037779759 | 0.20597474131614604 CUMUL 2021 (octobre 2020 - mars 2021) | 0.13635700685927196 | -0.23250373542325722 | 0.11060457989500083 | 0.27431963499265544 | 0.20213437567606446 | 0.2892932741317201 | 0.21492154088102838 | 0.09017298821133536 | 0.09017298821133536 | 0.10481491740642546 | 0.10481491740642546 | 0.21065080985076032 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2021 (janvier - mars 2021) | 0.8678308453664403 | 0.7318092076476035 | 0.7726745581257369 | 0.7877494031608171 | 0.8648524325933664 | 0.8137095348514025 | 0.8353646152404057 | 0.6876221733528087 | 0.6876221733528087 | 0.9824585540345325 | 0.9824585540345325 | 0.8316146356292076 TRIM 2 2020 (janvier - mars 2020) | 0.8403411263777026 | 0.6755788009069311 | 0.7480743635451061 | 0.7086728436679316 | 0.7524060485007702 | 0.7521764507030515 | 0.7699886047080241 | 0.7212921416479149 | 0.7480743635451061 | 0.9713974749673487 | 0.9713974749673487 | 0.7693209483793898 CUMUL 2021 (octobre 2020 - mars 2021) | 0.8642117670361935 | 0.6770440699917877 | 0.7742401118322718 | 0.7759751704908386 | 0.8366310060211738 | 0.8129372420644065 | 0.8232918350033656 | 0.6883852951898586 | 0.6883852951898586 | 0.9736120978382219 | 0.9736120978382219 | 0.8197731452653914 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 Rendement moyen des prêts TRIM 2 2021 (janvier - mars 2021) | 0.09939242317187073 | 0.030785522958194422 | 0.12008273868865366 | 0.14637929929962457 | 0.12403946011567196 | 0.08028179525693957 | 0.10699071262011867 | 0.10113689563628281 | 0.10113689563628281 | 0.15758539914542669 | 0.15758539914542669 | 0.10692479906500878 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 CUMUL 2021 (octobre 2020 - mars 2021) | 0.09029720411230734 | 0.03336653366120912 | 0.1195923377987705 | 0.1529585981762135 | 0.10392021218682122 | 0.08319197119042937 | 0.10016007718564099 | 0.10445144069553464 | 0.10445144069553464 | 0.16212692777099744 | 0.16212692777099744 | 0.1005116973156159 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 Rendement moyen des prêts productifs TRIM 2 2021 (janvier - mars 2021) | 0.12423403445771236 | 0.17280556392144925 | 0.12255731055948263 | 0.14809219444648028 | 0.128367524295015 | 0.08086697378266583 | 0.11421386950026592 | 0.1067586159495132 | 0.1067586159495132 | 0.15758539914542669 | 0.15758539914542669 | 0.11407117857487978 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 CUMUL 2021 (octobre 2020 - mars 2021) | 0.1107573481313405 | 0.18912805814788905 | 0.12169667127923037 | 0.15462961450855273 | 0.10699397355544593 | 0.08376475583253322 | 0.10659354605802283 | 0.11442681800983764 | 0.11442681800983764 | 0.16212692777099744 | 0.16212692777099744 | 0.10706205462701983 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 Rémunération moyenne des dépôts TRIM 2 2021 (janvier - mars 2021) | 0.008229653440449092 | 0.01447125142049041 | 0.01600349147237112 | 0.012704894008246105 | 0.007576982958610327 | 0.005718215694714083 | 0.008173038878556103 | 0.028085825521045958 | 0.028085825521045958 | 0.00028209953965227085 | 0.00028209953965227085 | 0.008407349247772505 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 CUMUL 2021 (octobre 2020 - mars 2021) | 0.008718366271211688 | 0.018094330181071695 | 0.016572495744053332 | 0.014349603272466049 | 0.007909964139886361 | 0.006020240050862998 | 0.008674443395682152 | 0.029768690291743036 | 0.029768690291743036 | 0.00046933151698024884 | 0.00046933151698024884 | 0.008920379457371851 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2021 (janvier - mars 2021) | 0.6099348064477476 | 1.1089591523331077 | 0.724777351621585 | 0.6000114584318736 | 0.5346252700332039 | 0.5090548050456063 | 0.5644341763336581 | 0.6997133027602183 | 0.6997133027602183 | 0.8828055506137698 | 0.8828055506137698 | 0.5695702433033452 TRIM 2 2020 (janvier - mars 2020) | 0.5004985836299077 | 0.9198087854633096 | 0.6172916479885232 | 0.6250010397921525 | 0.7078479395662455 | 0.621662853158241 | 0.6199045381304409 | 0.5577907593264487 | 0.5577907593264487 | 0.9470716104589777 | 0.9470716104589777 | 0.622812865799603 CUMUL 2021 (octobre 2020 - mars 2021) | 0.5723513154689253 | 1.1518855067277685 | 0.6616373064586553 | 0.6032636330477253 | 0.5554520384389597 | 0.5417884438309988 | 0.572253054774651 | 0.6979743361911545 | 0.6979743361911545 | 0.7757173619759237 | 0.7757173619759237 | 0.5765920091881462 CUMUL 2020 (octobre 2019 - mars 2020) | 0.49729597566032474 | 0.8095927381717701 | 0.5944350836010848 | 0.5891015568438384 | 0.6960305937969488 | 0.713919795067942 | 0.6352908399068948 | 0.5493200375766211 | 0.5493200375766211 | 1.0205706867713509 | 1.0205706867713509 | 0.63869729251172 Productivité par employé ('000) TRIM 2 2021 (janvier - mars 2021) | 5423.229483140097 | 1369.877085931559 | 4514.9636248864135 | 3800.1974683544304 | 5730.955991390975 | 7264.717578843486 | 5539.105685874185 | 4978.711334901962 | 4978.711334901962 | 10580.70588235294 | 10580.70588235294 | 5556.902287569062 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 CUMUL 2021 (octobre 2020 - mars 2021) | 5639.4014558844765 | 1309.6485076806082 | 4781.653387436922 | 3748.3659466327827 | 5250.107784257351 | 6664.165915392831 | 5307.739846045384 | 5317.284496107382 | 5317.284496107382 | 11859.692307692309 | 11859.692307692309 | 5342.977633754199 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 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. 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 décembre 2020 | 0.10021943806839335 | -0.06950531078704367 | 0.0971024216632424 | 0.12033321974357897 | 0.0820097502891817 | 0.09014606037780196 | 0.09098428157470421 | 0.10404782512671386 | 0.10404782512671386 | 0.09774861660546523 | 0.09774861660546523 | 0.09133346904479171 Au 30 septembre 2020 | 0.0958980531432077 | -0.07142906262228461 | 0.10144165313577588 | 0.13037541849237627 | 0.0828600973304912 | 0.0924458378601654 | 0.09219251933346459 | 0.11337303882952046 | 0.11337303882952046 | 0.11160061304732567 | 0.11160061304732567 | 0.09283398954376823 Dépôts en % de l'actif Au 31 décembre 2020 | 0.7587832493819064 | 0.8148467661838688 | 0.7852282252332341 | 0.7893861214229783 | 0.7804720039414984 | 0.848406344609892 | 0.8001562424541137 | 0.6060596712353872 | 0.6060596712353872 | 0.7474389698137938 | 0.7474389698137938 | 0.7955294593680297 Au 30 septembre 2020 | 0.7205992813031565 | 0.8151621272007507 | 0.7583432115006496 | 0.7838680058422708 | 0.7795264229645499 | 0.8498735706272129 | 0.7881736101890643 | 0.5654159338549604 | 0.5654159338549604 | 0.7489050192236153 | 0.7489050192236153 | 0.7831624325968862 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2020 | 0.15526848798309698 | 0.8152612253293816 | 0.017049483594002685 | 0.00952266469451586 | 0.0350022736437517 | 0.008160825152327258 | 0.054540463406233405 | 0.03736388291599661 | 0.03736388291599661 | 0 | 0 | 0.05371775938974174 Au 30 septembre 2020 | 0.13055755492733703 | 0.8186232390920686 | 0.011131736542746701 | 0.007614790344608182 | 0.024323463171792417 | 0.007357425798568143 | 0.04836889237792247 | 0.10797350993144256 | 0.10797350993144256 | 0 | 0 | 0.05048908872771796 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2020 | 0.7061028443372843 | 1.020043731311471 | 2.458409019827974 | 3.5923840828029934 | 1.245804293574031 | 3.3531612988786104 | 1.078082909848737 | 0.9531392648882143 | 0.9531392648882143 | 0 | 0 | 1.0747696370598128 Au 30 septembre 2020 | 0.6360964566757642 | 1.031441875855655 | 3.0256460890261523 | 4.6709410548086865 | 1.8597512318566836 | 3.4385272737597514 | 1.1106903922967761 | 0.4099381920533815 | 0.4099381920533815 | 0 | 0 | 1.0536617311481398 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2020 | 0.11872290200768788 | 0.05786900665529772 | -0.10559253049317144 | -0.06370398588499479 | -0.03239981978051824 | -0.052749581107391905 | -0.013360123335781212 | 0.008950756384289167 | 0.008950756384289167 | 0 | 0 | -0.012667370544711903 Au 30 septembre 2020 | 0.14306456095303147 | 0.0905450304367197 | -0.09815945941558532 | -0.06755074569100036 | -0.07791846873366302 | -0.05158466141060321 | -0.01742712147524919 | 0.3141390730281408 | 0.3141390730281408 | 0 | 0 | -0.008848776197957844 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2021 (octobre - décembre 2020) | 0.012470793637631103 | -0.01830541585449488 | 0.012250896342965088 | 0.03336798146833412 | 0.020215390686816784 | 0.021673758006321035 | 0.018841623615484214 | 0.010144421633480342 | 0.010144421633480342 | 0.016946241483941145 | 0.016946241483941145 | 0.018640930026998497 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 CUMUL 2021 (octobre - décembre 2020) | 0.012470793637631103 | -0.01830541585449488 | 0.012250896342965088 | 0.03336798146833412 | 0.020215390686816784 | 0.021673758006321035 | 0.018841623615484214 | 0.010144421633480342 | 0.010144421633480342 | 0.016946241483941145 | 0.016946241483941145 | 0.018640930026998497 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 ROE (rendement de l'avoir des actionn.) TRIM 1 2021 (octobre - décembre 2020) | 0.1271939622553386 | -0.2598636870561391 | 0.1235062043858538 | 0.26673392134850654 | 0.24530124191037384 | 0.23752732553700803 | 0.20576887400990942 | 0.09346161164203193 | 0.09346161164203193 | 0.16287360444981777 | 0.16287360444981777 | 0.20249425544731464 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 CUMUL 2021 (octobre - décembre 2020) | 0.1271939622553386 | -0.2598636870561391 | 0.1235062043858538 | 0.26673392134850654 | 0.24530124191037384 | 0.23752732553700803 | 0.20576887400990942 | 0.09346161164203193 | 0.09346161164203193 | 0.16287360444981777 | 0.16287360444981777 | 0.20249425544731464 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2021 (octobre - décembre 2020) | 0.860679006709034 | 0.6236424772342565 | 0.7758288881241188 | 0.7646304208669223 | 0.7923417478643643 | 0.8121787384952652 | 0.8098835538067094 | 0.6891529778092829 | 0.6891529778092829 | 0.9650512581547064 | 0.9650512581547064 | 0.806667658850589 TRIM 1 2020 (octobre - décembre 2019) | 0.8375954510608093 | 0.7118784669988987 | 0.7542461032491434 | 0.6888934167362823 | 0.7461146478069605 | 0.6927160144577232 | 0.7524022533979444 | 0.6970810691737223 | 0.7542461032491434 | 0.9743757407331726 | 0.9743757407331726 | 0.7518187373994961 CUMUL 2021 (octobre - décembre 2020) | 0.860679006709034 | 0.6236424772342565 | 0.7758288881241188 | 0.7646304208669223 | 0.7923417478643643 | 0.8121787384952652 | 0.8098835538067094 | 0.6891529778092829 | 0.6891529778092829 | 0.9650512581547064 | 0.9650512581547064 | 0.806667658850589 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 Rendement moyen des prêts TRIM 1 2021 (octobre - décembre 2020) | 0.08893715156774118 | 0.036068292592882474 | 0.12065094548672055 | 0.16635889327623654 | 0.07862725203503054 | 0.08706029625624709 | 0.0946107738568613 | 0.1083401042030888 | 0.1083401042030888 | 0.1683189517644306 | 0.1683189517644306 | 0.09535995170154736 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 CUMUL 2021 (octobre - décembre 2020) | 0.08893715156774118 | 0.036068292592882474 | 0.12065094548672055 | 0.16635889327623654 | 0.07862725203503054 | 0.08706029625624709 | 0.0946107738568613 | 0.1083401042030888 | 0.1083401042030888 | 0.1683189517644306 | 0.1683189517644306 | 0.09535995170154736 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 Rendement moyen des prêts productifs TRIM 1 2021 (octobre - décembre 2020) | 0.10368138598454345 | 0.19700428660106364 | 0.12237616910096386 | 0.16780375965483182 | 0.08105658154990979 | 0.08774133154736452 | 0.09974643424804061 | 0.116778895449475 | 0.116778895449475 | 0.1683189517644306 | 0.1683189517644306 | 0.10060345287324719 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 CUMUL 2021 (octobre - décembre 2020) | 0.10368138598454345 | 0.19700428660106364 | 0.12237616910096386 | 0.16780375965483182 | 0.08105658154990979 | 0.08774133154736452 | 0.09974643424804061 | 0.116778895449475 | 0.116778895449475 | 0.1683189517644306 | 0.1683189517644306 | 0.10060345287324719 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 Rémunération moyenne des dépôts TRIM 1 2021 (octobre - décembre 2020) | 0.009523812489152763 | 0.0216522155731742 | 0.017502141109453466 | 0.016658034825003665 | 0.008273527177211096 | 0.0064593769735604295 | 0.009368346749387423 | 0.03197459006175399 | 0.03197459006175399 | 0.0006467133029080388 | 0.0006467133029080388 | 0.00962276839785126 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 CUMUL 2021 (octobre - décembre 2020) | 0.009523812489152763 | 0.0216522155731742 | 0.017502141109453466 | 0.016658034825003665 | 0.008273527177211096 | 0.0064593769735604295 | 0.009368346749387423 | 0.03197459006175399 | 0.03197459006175399 | 0.0006467133029080388 | 0.0006467133029080388 | 0.00962276839785126 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2021 (octobre - décembre 2020) | 0.537784026936453 | 1.1989504109146782 | 0.602651633293291 | 0.6066329580104991 | 0.578914972145188 | 0.5800971551399535 | 0.5806322240484642 | 0.6963644279129818 | 0.6963644279129818 | 0.6924265485909321 | 0.6924265485909321 | 0.5840716707872766 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 CUMUL 2021 (octobre - décembre 2020) | 0.537784026936453 | 1.1989504109146782 | 0.602651633293291 | 0.6066329580104991 | 0.578914972145188 | 0.5800971551399535 | 0.5806322240484642 | 0.6963644279129818 | 0.6963644279129818 | 0.6924265485909321 | 0.6924265485909321 | 0.5840716707872766 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 Productivité par employé ('000) TRIM 1 2021 (octobre - décembre 2020) | 5826.075426778043 | 1283.5837556250003 | 5233.734855721171 | 3739.0606451612903 | 4935.656991324445 | 6150.576264629489 | 5161.056220058153 | 5635.670860273974 | 5635.670860273974 | 13603.764705882353 | 13603.764705882353 | 5212.926290645321 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 CUMUL 2021 (octobre - décembre 2020) | 5826.075426778043 | 1283.5837556250003 | 5233.734855721171 | 3739.0606451612903 | 4935.656991324445 | 6150.576264629489 | 5161.056220058153 | 5635.670860273974 | 5635.670860273974 | 13603.764705882353 | 13603.764705882353 | 5212.926290645321 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 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. 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 30 septembre 2020 | 0.0958980531432077 | -0.07142906262228461 | 0.10144165313577588 | 0.13037541849237627 | 0.0828600973304912 | 0.0924458378601654 | 0.09219251933346459 | 0.11337303882952046 | 0.11337303882952046 | 0.11160061304732567 | 0.11160061304732567 | 0.09283398954376823 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 30 septembre 2020 | 0.7205992813031565 | 0.8151621272007507 | 0.7583432115006496 | 0.7838680058422708 | 0.7795264229645499 | 0.8498735706272129 | 0.7881736101890643 | 0.5654159338549604 | 0.5654159338549604 | 0.7489050192236153 | 0.7489050192236153 | 0.7831624325968862 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 30 septembre 2020 | 0.13055755492733703 | 0.8186232390920686 | 0.011131736542746701 | 0.007614790344608182 | 0.024323463171792417 | 0.007357425798568143 | 0.04836889237792247 | 0.10797350993144256 | 0.10797350993144256 | 0 | 0 | 0.05048908872771796 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 30 septembre 2020 | 0.6360964566757642 | 1.031441875855655 | 3.0256460890261523 | 4.6709410548086865 | 1.8597512318566836 | 3.4385272737597514 | 1.1106903922967761 | 0.4099381920533815 | 0.4099381920533815 | 0 | 0 | 1.0536617311481398 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 30 septembre 2020 | 0.14306456095303147 | 0.0905450304367197 | -0.09815945941558532 | -0.06755074569100036 | -0.07791846873366302 | -0.05158466141060321 | -0.01742712147524919 | 0.3141390730281408 | 0.3141390730281408 | 0 | 0 | -0.008848776197957844 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 4 2020 (juil -sept. 2020) | 0.004853745671943869 | -0.03697978396790052 | 0.021370914366379466 | 0.02830752219768892 | -0.011395177788574858 | -0.031876980094077696 | -0.009701771018789461 | 0.0281814484208293 | 0.0281814484208293 | 0.01444978952461686 | 0.01444978952461686 | -0.008671861777922408 TRIM 4 2019 (juil -sept. 2019) | 0.0092 | 0.0006 | 0.0119 | 0.031 | 0.0145 | 0.0132 | 0.0142 | 0.0301 | 0.0301 | -0.0001 | -0.0001 | 0.014 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.017398664580816927 | -0.01384151012519602 | 0.017798307209976546 | 0.03708833677721373 | 0.006944139450366293 | 0.004703772889657475 | 0.011337492199427273 | 0.018926296875654385 | 0.018926296875654385 | 0.008412710989497203 | 0.008412710989497203 | 0.011456388140477728 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 ROE (rendement de l'avoir des actionn.) TRIM 4 2020 (juil -sept. 2020) | 0.05362062776464416 | -0.5747376095717522 | 0.24385665070783374 | 0.26436614052968554 | -0.163165026533376 | -0.39684953203266277 | -0.12050201388741075 | 0.30590930766205016 | 0.30590930766205016 | 0.1505558455968166 | 0.1505558455968166 | -0.107174063180555 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 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.18678417782147982 | -0.35945502947495706 | 0.17784013761266987 | 0.33232252197036666 | 0.09027107495292935 | 0.05209944945323502 | 0.12869126722779084 | 0.19215134776134005 | 0.19215134776134005 | 0.09764153412958018 | 0.09764153412958018 | 0.12976089651586392 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2020 (juil -sept. 2020) | 0.856229322873195 | 0.5666611903373127 | 0.7294318275101508 | 0.7325417413451561 | 0.7514289962720991 | 0.7809230515489263 | 0.7843373458901877 | 0.7180259464874132 | 0.7180259464874132 | 0.948596550557998 | 0.948596550557998 | 0.7823215736062261 TRIM 4 2019 (juil -sept. 2019) | 0.8136259716027285 | 0.6859355283398211 | 0.7638198684574243 | 0.7146865268799274 | 0.7393111929040466 | 0.7614515115780867 | 0.762712022531723 | 0.6649418283571837 | 0.7638198684574243 | 0.9691430725020022 | 0.9691430725020022 | 0.7596278660603382 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.8426242348035025 | 0.6270836139314504 | 0.7438871561707947 | 0.7121990318744932 | 0.7572600983235017 | 0.7526856023912105 | 0.7718990767544225 | 0.7041521584010543 | 0.7041521584010543 | 0.9649378835503667 | 0.9649378835503667 | 0.7704450787600935 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 Rendement moyen des prêts TRIM 4 2020 (juil -sept. 2020) | 0.11833462816134278 | 0.03242497816048294 | 0.13684728122923748 | 0.16945794829809502 | 0.07622705155188007 | 0.10209902988540677 | 0.10716137584669644 | 0.1340789937062624 | 0.1340789937062624 | 0.13831043129686876 | 0.13831043129686876 | 0.10832701582544366 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 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.09596795073503067 | 0.03294439579726986 | 0.1408633310661932 | 0.17517687234157814 | 0.10474456280882675 | 0.10349718727420207 | 0.11221770181281511 | 0.13074904120467093 | 0.13074904120467093 | 0.14944610562908586 | 0.14944610562908586 | 0.11306702887653855 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 Rendement moyen des prêts productifs TRIM 4 2020 (juil -sept. 2020) | 0.14908727526674145 | 0.1841902290633599 | 0.13946517839045652 | 0.17134595010205933 | 0.0785202181939746 | 0.10300836769249488 | 0.1146492303590443 | 0.14922789049284296 | 0.14922789049284296 | 0.13831043129686876 | 0.13831043129686876 | 0.11604626000199306 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 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.11747621163588289 | 0.16981827014559475 | 0.14309615667796707 | 0.1765311040190458 | 0.10696415029108244 | 0.10427436132643232 | 0.11887733485666233 | 0.1492995192767712 | 0.1492995192767712 | 0.14944610562908586 | 0.14944610562908586 | 0.12007769396051457 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 Rémunération moyenne des dépôts TRIM 4 2020 (juil -sept. 2020) | 0.010804277397690198 | 0.020349270902167836 | 0.021818631897430163 | 0.018188893745654272 | 0.008899415187510463 | 0.0074734089190782935 | 0.010574537505724414 | 0.03452087421442709 | 0.03452087421442709 | 0.0008842208748842005 | 0.0008842208748842005 | 0.010857599662206214 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 | 0.0154098777944583 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.012282762603193555 | 0.022461311082748087 | 0.023804172036362935 | 0.023385415843127966 | 0.011920106321050889 | 0.009864320691438952 | 0.013101877370454275 | 0.037619099417430135 | 0.037619099417430135 | 0.0007479361910118877 | 0.0007479361910118877 | 0.013334542446873971 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2020 (juil -sept. 2020) | 0.5025303216521653 | 2.820880469579985 | 0.6039935050982148 | 0.5987770082353718 | 1.3453705489488625 | 3.017082947625521 | 1.1047947910348392 | 0.36568943114524743 | 0.36568943114524743 | 0.7610776670285206 | 0.7610776670285206 | 1.0684399848131745 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 CUMUL 2020 (octobre 2019 - septembre 2020) | 0.5068533381221949 | 1.2216681302844923 | 0.6222613343159268 | 0.583526490831943 | 0.6407201760379787 | 0.892320545087006 | 0.7033331176051488 | 0.49087972928381 | 0.49087972928381 | 0.866632278167865 | 0.8389449896326516 | 0.7006410517279876 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 Productivité par employé ('000) TRIM 4 2020 (juil -sept. 2020) | 6771.193831553975 | 696.8258607171315 | 6448.010484938578 | 4378.093359631821 | 2702.1761589190555 | 2159.9469836315193 | 3810.96166738958 | 10448.387747222218 | 10448.387747222218 | 15011.851851851852 | 15011.851851851852 | 3973.055292800555 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 CUMUL 2020 (octobre 2019 - septembre 2020) | 6294.964816176287 | 1360.743204496124 | 5877.378218485537 | 4014.313700384123 | 4177.999999988923 | 4908.461462201694 | 4776.005709503647 | 7456.544110000001 | 7456.544110000001 | 14047.6 | 14047.6 | 4869.394611425701 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 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 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 30 juin 2020 | 0.08573911438978488 | -0.058923165729833284 | 0.07657026042942291 | 0.08991131259995506 | 0.06004026608751114 | 0.07144721711798808 | 0.07144527428345726 | 0.07516047247140901 | 0.07516047247140901 | 0.0843299644792254 | 0.0843299644792254 | 0.07166107553236536 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 30 juin 2020 | 0.7704210270398636 | 0.8629659032314602 | 0.8039837252382535 | 0.8252434706337759 | 0.8296671632155007 | 0.85417184822682 | 0.8242616447519785 | 0.6769191528948054 | 0.6769191528948054 | 0.7405982336891077 | 0.7405982336891077 | 0.8203873694271262 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 30 juin 2020 | 0.281147482341962 | 0.8279649217376991 | 0.024808999908510893 | 0.013559576785149388 | 0.033248046564712086 | 0.010000093599550227 | 0.07948976054041576 | 0.09645939078342647 | 0.09645939078342647 | 0 | 0 | 0.07989117260959057 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 30 juin 2020 | 0.24863600734854346 | 0.7693103327071958 | 1.505881332048787 | 2.0162868404729988 | 1.5449536197032367 | 2.9578814627810397 | 0.6397364023666007 | 0.4357718511673809 | 0.4357718511673809 | 0 | 0 | 0.6297495206404622 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 30 juin 2020 | 0.6396040129002063 | -0.8296487564124174 | -0.0734147220346416 | -0.04765981217444394 | -0.08463506167649712 | -0.06691681623902972 | 0.11154719169151828 | 0.41277475077025183 | 0.41277475077025183 | 0 | 0 | 0.116449216102434 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 3 2020 (avril -juin 2020) | 0.01671781611158322 | -0.019696825537021165 | 0.011562846079486438 | 0.03766775670982875 | 0.019376008718451118 | 0.025363711573072118 | 0.02123464223938926 | 0.008750219344335227 | 0.008750219344335227 | 0.019918500282076743 | 0.019918500282076743 | 0.020961593270304342 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 CUMUL 2020 (octobre 2019 - juin 2020) | 0.020154043170710813 | -0.004379773190810974 | 0.01398615209050747 | 0.03350865102549872 | 0.011668164563625709 | 0.015418680427257693 | 0.01640762213435388 | 0.013433877026329944 | 0.013433877026329944 | 0.006052542617894445 | 0.006052542617894445 | 0.016211839440447514 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 ROE (rendement de l'avoir des actionn.) TRIM 3 2020 (avril -juin 2020) | 0.18516519498386913 | -0.575103723938027 | 0.14036933275488783 | 0.39386697908793306 | 0.3227633296304878 | 0.33271491901803113 | 0.28259368810436797 | 0.11399442932197489 | 0.11399442932197489 | 0.2598155058988841 | 0.2598155058988841 | 0.27876566931097746 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 CUMUL 2020 (octobre 2019 - juin 2020) | 0.229488462759281 | 0.12185897328660679 | 0.1618529160175133 | 0.36286767819878446 | 0.17912738460798303 | 0.19487669947681951 | 0.21240157845486204 | 0.1687797791184871 | 0.1687797791184871 | 0.07898945940599655 | 0.07898945940599655 | 0.20975921484032908 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2020 (avril -juin 2020) | 0.8351782500007618 | 0.518090933498567 | 0.74331940957252 | 0.7225226518262673 | 0.7795262875158522 | 0.788448390358405 | 0.7831756341144467 | 0.6760963578924486 | 0.6760963578924486 | 0.9572654334744818 | 0.9572654334744818 | 0.7804278155253289 TRIM 3 2019 (avril - juin 2019) | 0.7991732121660189 | 0.584805888752053 | 0.7566172339256508 | 0.7622795642867084 | 0.7940562586988974 | 0.7410714351991868 | 0.7703746626772013 | 0.4751031758026804 | 0.7566172339256508 | 0.969113049969673 | 0.969113049969673 | 0.7620861396784123 CUMUL 2020 (octobre 2019 - juin 2020) | 0.8377502250103177 | 0.6436422290492873 | 0.7487135368000568 | 0.7059931035028536 | 0.7587754950084974 | 0.7438504456153846 | 0.7680001038900113 | 0.6989501923651663 | 0.6989501923651663 | 0.9686329086821539 | 0.9686329086821539 | 0.7667032956445794 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 Rendement moyen des prêts TRIM 3 2020 (avril -juin 2020) | 0.0761037858979287 | 0.02717998566663581 | 0.12252313684931804 | 0.15196241202275046 | 0.09003649668553176 | 0.08948115191460596 | 0.09600222334402854 | 0.10439704882376909 | 0.10439704882376909 | 0.12207447978057359 | 0.12207447978057359 | 0.09645599972261636 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 CUMUL 2020 (octobre 2019 - juin 2020) | 0.08580751221077627 | 0.028679509245921705 | 0.12573311818906568 | 0.15655293207174217 | 0.10291644670512982 | 0.09282356622653164 | 0.10336503576338883 | 0.11176967130898917 | 0.11176967130898917 | 0.13817620260423236 | 0.13817620260423236 | 0.10383919973789829 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 Rendement moyen des prêts productifs TRIM 3 2020 (avril -juin 2020) | 0.1026545648523384 | 0.14603705681488094 | 0.12508606985818635 | 0.1536951746564488 | 0.09249745034058196 | 0.09033207016532609 | 0.10347088851369121 | 0.11789607028379416 | 0.11789607028379416 | 0.12207447978057359 | 0.12207447978057359 | 0.10411567979150106 TRIM 3 2019 (avril - juin 2019) | 0.09294538156142053 | 0.13755554355462607 | 0.13290134426501235 | 0.1600581823342114 | 0.12164987652565022 | 0.10537057393438794 | 0.11715781633155857 | 0.12598586761196412 | 0.12598586761196412 | 0.0928628076980961 | 0.0928628076980961 | 0.11733920459795437 CUMUL 2020 (octobre 2019 - juin 2020) | 0.11630923544859122 | 0.15285602476774549 | 0.12857967364614703 | 0.15822450605786711 | 0.10563403189048777 | 0.09364601161456572 | 0.11130940406810645 | 0.126470625214243 | 0.126470625214243 | 0.13817620260423236 | 0.13817620260423236 | 0.11199624543507698 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 Rémunération moyenne des dépôts TRIM 3 2020 (avril -juin 2020) | 0.010319204897890061 | 0.021772563742620245 | 0.019568605126516144 | 0.017842006666433586 | 0.008835914920241673 | 0.007005045976102866 | 0.010058637838116693 | 0.029852248273961962 | 0.029852248273961962 | 0.000705288572336619 | 0.000705288572336619 | 0.010274560858726349 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 CUMUL 2020 (octobre 2019 - juin 2020) | 0.01129260164010539 | 0.01906907625088311 | 0.020122123980743912 | 0.02038541302442347 | 0.010496967386364865 | 0.008831450356259173 | 0.011606283274948163 | 0.030266711426524578 | 0.030266711426524578 | 0.0006448047669652465 | 0.0006448047669652465 | 0.011783822403044632 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2020 (avril -juin 2020) | 0.5330854115431719 | 1.475878295617167 | 0.7020692859809257 | 0.5576210332676578 | 0.551046928884019 | 0.4979191023478426 | 0.5484775374015628 | 0.5743850275828994 | 0.5743850275828994 | 0.6689164816314098 | 0.6689164816314098 | 0.5510856088452428 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 CUMUL 2020 (octobre 2019 - juin 2020) | 0.5085464793731093 | 0.994149657309267 | 0.6293371628296133 | 0.5780139256920072 | 0.6407201760379787 | 0.6263802046196718 | 0.6035550373107437 | 0.5569687580842909 | 0.5569687580842909 | 0.866632278167865 | 0.866632278167865 | 0.6066740678073432 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 Productivité par employé ('000) TRIM 3 2020 (avril -juin 2020) | 5428.266831469195 | 1330.2014478124997 | 5480.877952543107 | 4210.55418559377 | 5611.390085062202 | 7036.744971306013 | 5617.315340755176 | 5916.39277823129 | 5916.39277823129 | 17821.571428571428 | 17821.571428571428 | 5692.983989899741 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 CUMUL 2020 (octobre 2019 - juin 2020) | 6016.206496478843 | 1619.7413649538867 | 5692.377138946443 | 3990.11306042885 | 4778.4373387837395 | 5859.448208504588 | 5150.51817680965 | 6419.040370810812 | 6419.040370810812 | 13332.350877192983 | 13332.350877192983 | 5218.91781590136 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 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 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 | -0.253815752921139 | 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 [bilsysbandéc. 21] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 décembre 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3527056 | 296131.89960999996 | 911980.505631775 | 966863 | 3387712.22689 | 3330080.3577089366 | 12419823.98984071 | 67219.84224999999 | 67219.84224999999 | 35320 | 35320 | 12522363.832090711 Avoirs à la BRH | 35766230 | 1521012.79145 | 16149605.89443703 | 14461309 | 49370654.916319996 | 75394417.43543717 | 192663230.0376442 | 1496700.6732799998 | 1496700.6732799998 | 4439023 | 4439023 | 198598953.7109242 Avoirs à l'étranger | 2660092 | 0 | 1364099.720982831 | 5558614 | 9628041.325690001 | 19096774.33684147 | 38307621.3835143 | 0 | 0 | 552701 | 552701 | 38860322.3835143 Avoirs dans les banques locales | 0 | 0 | 84328.688359958 | 31621 | 11048.41 | 2.37455444294028e-09 | 126998.09835996038 | 236407.84713999997 | 236407.84713999997 | 0 | 0 | 363405.94549996033 Autres liquidités | 538450 | 11734.87537 | 48.341 | 134420 | 114311.25438 | 737278.8199936841 | 1536243.2907436842 | 6988.6967 | 6988.6967 | 106277 | 106277 | 1649508.9874436841 42491828 | 1828879.56643 | 18510063.15041159 | 21152827 | 62511768.133279994 | 98558550.94998126 | 245053916.8001029 | 1807317.0593699997 | 1807317.0593699997 | 5133321 | 5133321 | 251994554.85947287 Bons B.R.H. | 800000 | 0 | 0 | 0 | 5500000 | 0 | 6300000 | 0 | 0 | 0 | 0 | 6300000 Bons du Trésor / M.E.F. | 20600000 | 1565000 | 0 | 0 | 0 | 7550000 | 29715000 | 0 | 0 | 0 | 0 | 29715000 Autres Placements | 15302454 | 0 | 5879008.223214399 | 3868880 | 22700012.235310003 | 33791025.81473601 | 81541380.27326041 | 1947287.27127 | 1947287.27127 | 0 | 0 | 83488667.54453042 Portefeuille net | 24192121 | 301918.07063 | 13391292.247499876 | 12071898 | 36854833.957820006 | 40241685.21874 | 127053748.49468988 | 4805310.620719998 | 4805310.620719998 | 96667 | 96667 | 131955726.11540988 Immobilisations | 2959550 | 350682.92631999997 | 1030060.6353700001 | 1173813 | 4088116.9210400004 | 3080944.37777 | 12683167.8605 | 626101.95165 | 626101.95165 | 268082 | 268082 | 13577351.81215 Autres actifs | 2513502 | 973187.89194 | 1002789.401315024 | 1263072 | 6075210.58577 | 2470940.935595562 | 14298702.814620586 | 1256642.8256499998 | 1256642.8256499998 | 36938 | 36938 | 15592283.640270585 108859455 | 5019668.45532 | 39813213.65781089 | 39530490 | 137729941.83322 | 185693147.29682285 | 516645916.2431738 | 10442659.728659997 | 10442659.728659997 | 5535008 | 5535008 | 532623583.9718337 PASSIF Dépôts À vue | 41016533 | 1887642.4668400001 | 13879708.585220747 | 14240123 | 52065568.9171979 | 71587322.71611007 | 194676898.68536872 | 3034178.3679099996 | 3034178.3679099996 | 3474785 | 3474785 | 201185862.0532787 Épargne | 30548090 | 530021.06429 | 6881361.233152483 | 7872921 | 37082272.90075241 | 64599656.28404063 | 147514322.48223552 | 972042.9224200002 | 972042.9224200002 | 607299 | 607299 | 149093664.40465552 À terme | 10924285 | 1794272.22827 | 11615199.367836019 | 9319383 | 22048046.37416017 | 24341820.637271136 | 80043006.60753733 | 2887906.77702 | 2887906.77702 | 4422 | 4422 | 82935335.38455734 82488908 | 4211935.7594 | 32376269.186209247 | 31432427 | 111195888.19211048 | 160528799.63742182 | 422234227.77514154 | 6894128.06735 | 6894128.06735 | 4086506 | 4086506 | 433214861.8424916 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2834674 | 237380.48211999997 | 1403588.039140898 | 1288152 | 6095905.496959999 | 4531688.063477618 | 16391388.081698515 | 147782.98613 | 147782.98613 | 867927 | 867927 | 17407098.067828514 2834674 | 237380.48211999997 | 1403588.039140898 | 1588152 | 6095905.496959999 | 4531688.063477618 | 16691388.081698515 | 147782.98613 | 147782.98613 | 867927 | 867927 | 17707098.067828514 Obligations à terme Banques locales | 7289925 | 0 | 1795605.81531 | 552436 | 5097563.80568 | 3335600.78599 | 18071131.40698 | 1747542.04506 | 1747542.04506 | 0 | 0 | 19818673.45204 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.41944 | 0 | 0.41944 | 0 | 0 | 0 | 0 | 0.41944 Autres | 5882939 | 916604.07276 | 507758.89200395194 | 226021 | 1216992.31308 | 1697761.6634318838 | 10448076.941275835 | 304130.19981 | 304130.19981 | 96872 | 96872 | 10849079.141085835 13172864 | 916604.07276 | 2303364.707313952 | 778457 | 6314556.5382 | 5033362.449421884 | 28519208.767695837 | 2051672.24487 | 2051672.24487 | 96872 | 96872 | 30667753.012565836 Autres passifs | 1231467 | 24125.148220000003 | 277952.14347259275 | 1418316 | 3672938.0652900003 | 1668954.669669894 | 8293753.026652487 | 401097.07229000004 | 401097.07229000004 | 0 | 0 | 8694850.098942487 99727913 | 5390045.462499999 | 36361174.076136686 | 35217352 | 127279288.29256049 | 171762804.8199912 | 475738577.6511884 | 9494680.37064 | 9494680.37064 | 5051305 | 5051305 | 490284563.02182835 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729186.76157 | 810000 | 3000000 | 6300687.5 | 14004874.26157 | 300000 | 300000 | 103837 | 103837 | 14408711.26157 Réserves | 2106357 | 150488.951 | 294604.93022 | 605876 | 2131701.77986 | 1778707.62408 | 7067736.2851599995 | 303641.99439999997 | 303641.99439999997 | 59288 | 59288 | 7430666.27956 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 174325 | 1210135.63001 | 1384 | 0 | 0 | 1385844.63001 | 0 | 0 | 0 | 0 | 1385844.63001 BNR | 4025185 | -860190.95849 | 1218112.259654 | 2895878 | 5318951.760780001 | 5850947.35571 | 18448883.417654 | 344337.36339 | 344337.36339 | 320578 | 320578 | 19113798.781044 9131542 | -370377.00749 | 3452039.581454 | 4313138 | 10450653.54064 | 13930342.47979 | 40907338.594394 | 947979.35779 | 947979.35779 | 483703 | 483703 | 42339020.952184 108859455 | 5019668.45501 | 39813213.65759069 | 39530490 | 137729941.83320048 | 185693147.2997812 | 516645916.24558246 | 10442659.728430001 | 10442659.728430001 | 5535008 | 5535008 | 532623583.9740125 Hors-bilan Effets à l'encaissement | 1242730 | 0 | 0 | 0 | 37347.965710000004 | 3648.378052342 | 1283726.343762342 | 0 | 0 | 0 | 0 | 1283726.343762342 Crédit documentaire | 0 | 0 | 0 | 0 | 1936095.6816399998 | 1537809.2840606398 | 3473904.9657006394 | 0 | 0 | 0 | 0 | 3473904.9657006394 Autres | 4628093 | 228433.71529999998 | 2512948.538146832 | 256277 | 9264403.43703 | 1897810.7787605058 | 18787966.469237342 | 495070.158135 | 495070.158135 | 536283.99167 | 536283.99167 | 19819320.619042344 Portefeuille brut | 27608895 | 1261351.12995 | 14569656.001132907 | 12297078 | 38701882.099020004 | 41034652.89971 | 135473515.1298129 | 4980092.110909998 | 4980092.110909998 | 96667 | 96667 | 140550274.2407229 Provisions pour créances douteuses | 3416774 | 959433.05932 | 1178363.753633032 | 225180 | 1847048.1412 | 792967.6809700001 | 8419766.635123033 | 174781.49019 | 174781.49019 | 0 | 0 | 8594548.125313032 Portefeuille de crédit improductif | 5580256 | 1073668.21934 | 979785.5147823989 | 66086 | 932897 | 51063.91722 | 8683756.6513424 | 225595.95974 | 225595.95974 | 0 | 0 | 8909352.6110824 Dépôts US convertis | 37278720 | 2536728.1545900004 | 22561772.763629247 | 23842808 | 75970495.06691048 | 117416060.59375183 | 279606584.57888156 | 5338631.74508 | 5338631.74508 | 2989056 | 2989056 | 287934272.32396156 Immobilisation /A | 0.3241018877206062 | -0.9468269337142053 | 0.29839189588206816 | 0.27214825957342426 | 0.3911828963750762 | 0.2211678845828667 | 0.31004627277899033 | 0.6604594778409684 | 0.6604594778409684 | 0.5542285245284814 | 0.5542285245284814 | 0.3206817613350984 Liquidité en % de l'actif | 0.5869203368692228 | 0.676116280714329 | 0.4649226085968102 | 0.535101563375511 | 0.4938052483579557 | 0.5714187760540841 | 0.5440262043372274 | 0.17307056883312952 | 0.17307056883312952 | 0.92742792783678 | 0.92742792783678 | 0.5407375180643587 Liquidité en % des dépôts | 0.7745505371461578 | 0.8057766690424228 | 0.5717169895009397 | 0.6729619383193032 | 0.6116392362978178 | 0.6609938602272191 | 0.6656706119755516 | 0.2621531021347425 | 0.2621531021347425 | 1.256163823080157 | 1.256163823080157 | 0.6648191930317189 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 98558550.94998126 | SOGEBK | 5500000 | UNIBK | 40241685.21874 | UNIBK | 13930342.47979 SOGEBK | 62511768.133279994 | BNC | 800000 | SOGEBK | 36854833.957820006 | SOGEBK | 10450653.54064 BNC | 42491828 | CAPITALBK | 0 | BNC | 24192121 | BNC | 9131542 CAPITALBK | 21152827 | UNIBK | 0 | BUH | 13391292.247499876 | CAPITALBK | 4313138 BUH | 18510063.15041159 | BPH | 0 | CAPITALBK | 12071898 | BUH | 3452039.581454 CBNA | 5133321 | BUH | 0 | SOGEBL | 4805310.620719998 | SOGEBL | 947979.35779 BPH | 1828879.56643 | CBNA | 0 | BPH | 301918.07063 | CBNA | 483703 SOGEBL | 1807317.0593699997 | SOGEBL | 0 | CBNA | 96667 | BPH | -370377.00749 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbaNdéc. 21$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 31 décembre 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1493684 | 37015.06706 | 260317.85812177497 | 320368 | 1423908.1687099999 | 1155328.702208937 | 4690621.796100711 | 33011.78756 | 33011.78756 | 14739 | 14739 | 4738372.5836607115 Avoirs à la BRH | 16966939 | 1115489.417 | 12616428.93930703 | 10580368 | 32301932.177849997 | 53269079.04804717 | 126850236.5822042 | 1100660.7937999999 | 1100660.7937999999 | 2987622 | 2987622 | 130938519.37600419 Avoirs à l'étranger | 2660092 | 0 | 1364099.720982831 | 5558614 | 9628041.325690001 | 19096774.33684147 | 38307621.3835143 | 0 | 0 | 552701 | 552701 | 38860322.3835143 Avoirs dans les banques locales | 0 | 0 | 50238.816269958 | 779 | 0 | 2.8154327301308513e-09 | 51017.816269960815 | 76781.70337999999 | 76781.70337999999 | 0 | 0 | 127799.5196499608 Autres liquidités | 37323 | 3068.10975 | 0 | 50877 | 71173.14654 | 317155.71912368404 | 479596.97541368403 | 3765.16034 | 3765.16034 | 32318 | 32318 | 515680.13575368404 21158038 | 1155572.59381 | 14291085.334681595 | 16511006 | 43425054.818789996 | 73838337.80622128 | 170379094.55350283 | 1214219.44508 | 1214219.44508 | 3587380 | 3587380 | 175180693.99858287 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 | 14936462 | 0 | 4658441.203294398 | 2099589 | 19077559.336250003 | 21844392.59080601 | 62616444.13035041 | 1400630.6942 | 1400630.6942 | 0 | 0 | 64017074.82455041 Portefeuille net | 4775946 | 586202.61688 | 5201728.468719876 | 6544148 | 16709794.87447 | 26202624.90967 | 60020444.869739875 | 2251768.8567699995 | 2251768.8567699995 | 0 | 0 | 62272213.72650988 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 79863 | 901746.3296899999 | -669455.5734845162 | 270388 | 2527792.73484 | 421538.02578556194 | 3531872.516831046 | 879541.87473 | 879541.87473 | 1667 | 1667 | 4413081.391561046 40950309 | 2643521.54038 | 23481799.433211353 | 25425131 | 81740201.76435 | 122306893.33248284 | 296547856.07042414 | 5746160.8707799995 | 5746160.8707799995 | 3589047 | 3589047 | 305883063.9412042 PASSIF Dépôts À vue | 18837976 | 1230178.87742 | 9676947.648970746 | 10926324 | 34270773.3885779 | 54611219.90358006 | 129553419.81854871 | 2415409.4196099997 | 2415409.4196099997 | 2381761 | 2381761 | 134350590.2381587 Épargne | 12998481 | 225568.98521 | 4385599.641552483 | 5578822 | 24777580.494432412 | 45736629.57938063 | 93702681.70057553 | 723225.2739100001 | 723225.2739100001 | 607295 | 607295 | 95033201.97448553 À terme | 5442263 | 1080980.29196 | 8499225.47310602 | 7337662 | 16922141.18390017 | 17068211.110791136 | 56350483.05975732 | 2199997.05156 | 2199997.05156 | 0 | 0 | 58550480.11131732 37278720 | 2536728.1545900004 | 22561772.763629247 | 23842808 | 75970495.06691048 | 117416060.59375183 | 279606584.57888156 | 5338631.74508 | 5338631.74508 | 2989056 | 2989056 | 287934272.32396156 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 | 982591 | 96734.20119 | 718369.828850898 | 611558 | 3343879.29889 | 2217935.544197618 | 7971067.873128516 | 56536.822819999994 | 56536.822819999994 | 563505 | 563505 | 8591109.695948515 982591 | 96734.20119 | 718369.828850898 | 611558 | 3343879.29889 | 2217935.544197618 | 7971067.873128516 | 56536.822819999994 | 56536.822819999994 | 563505 | 563505 | 8591109.695948515 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.41944 | 0 | 0.41944 | 0 | 0 | 0 | 0 | 0.41944 Autres | 2690630 | 8403.78281 | 283475.478809952 | 0 | 517212.83374999993 | 1111939.458271884 | 4611661.553641835 | 236684.079 | 236684.079 | 36402 | 36402 | 4884747.632641835 2690630 | 8403.78281 | 283475.478809952 | 0 | 517213.25318999996 | 1111939.458271884 | 4611661.973081836 | 236684.079 | 236684.079 | 36402 | 36402 | 4884748.052081835 Autres passifs | 0 | 1411.63677 | 250816.56125578197 | 984858 | 1875747.84119 | 1537921.335089894 | 4650755.374305676 | 117052.38491000001 | 117052.38491000001 | 0 | 0 | 4767807.759215675 40951941 | 2643277.7753600003 | 23814434.63254588 | 25439224 | 81707335.46018046 | 122283856.93131123 | 296840069.7993976 | 5748905.03181 | 5748905.03181 | 3588963 | 3588963 | 306177937.8312076 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 40951941 | 2643277.7753600003 | 23814434.63254588 | 25439224 | 81707335.46018046 | 122283856.93131123 | 296840069.7993976 | 5748905.03181 | 5748905.03181 | 3588963 | 3588963 | 306177937.8312076 Actif devises en % actif total | 0.3761759509084443 | 0.5266326977388943 | 0.5897991464601224 | 0.6431777344525706 | 0.5934817126644174 | 0.6586505485686034 | 0.5739866449091328 | 0.5502583652141414 | 0.5502583652141414 | 0.6484267050743197 | 0.6484267050743197 | 0.5742950052271436 Dépôts devises en % dépôts totaux | 0.451924033228807 | 0.6022713306888999 | 0.6968614151886126 | 0.7585417441675757 | 0.6832131682392614 | 0.7314329943222243 | 0.6622072920336162 | 0.7743737413819308 | 0.7743737413819308 | 0.7314453961403703 | 0.7314453961403703 | 0.6646454165938767 93.0256 | 440222.2721487419 | 28414.520039215015 | 255998.7211320957 | 273464.76668787946 | 878331.7222375396 | 1314518.336149525 | 3190950.3383949967 | 61799.17175282932 | 61799.17175282932 | 38580.380024423386 | 38580.380024423386 | 3291329.890172249 [bilsysbandéc. 21gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 31 décembre 2021 0 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 2033372 | 259116.83255 | 651662.64751 | 646495 | 1963804.0581800002 | 2174751.6555 | 7729202.193740001 | 34208.05469 | 34208.05469 | 20581 | 20581 | 7783991.248430001 Avoirs à la BRH | 18799291 | 405523.37445 | 3533176.95513 | 3880941 | 17068722.73847 | 22125338.38739 | 65812993.45544 | 396039.87948 | 396039.87948 | 1451401 | 1451401 | 67660434.33491999 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 34089.872090000004 | 30842 | 11048.41 | 2.136221155524254e-09 | 75980.28209000215 | 159626.14375999998 | 159626.14375999998 | 0 | 0 | 235606.42585000212 Autres liquidités | 501127 | 8666.76562 | 48.341 | 83543 | 43138.107840000004 | 420123.10087 | 1056646.31533 | 3223.53636 | 3223.53636 | 73959 | 73959 | 1133828.85169 21333790 | 673306.9726199999 | 4218977.81573 | 4641821 | 19086713.31449 | 24720213.14376 | 74674822.2466 | 593097.61429 | 593097.61429 | 1545941 | 1545941 | 76813860.86088999 Bons B.R.H. | 800000 | 0 | 0 | 0 | 5500000 | 0 | 6300000 | 0 | 0 | 0 | 0 | 6300000 Bons du Trésor / M.E.F. | 20600000 | 1565000 | 0 | 0 | 0 | 7550000 | 29715000 | 0 | 0 | 0 | 0 | 29715000 Autres Placements | 365992 | 0 | 1220567.0199199999 | 1769291 | 3622452.8990599997 | 11946633.22393 | 18924936.14291 | 546656.57707 | 546656.57707 | 0 | 0 | 19471592.71998 Portefeuille net | 19416175 | -284284.54625000013 | 8189563.778779998 | 5527750 | 20145039.08335 | 14039060.30907 | 67033303.62495 | 2553541.763949999 | 2553541.763949999 | 96667 | 96667 | 69683512.3889 Immobilisations | 2959550 | 350682.92631999997 | 1030060.6353700001 | 1173813 | 4088116.9210400004 | 3080944.37777 | 12683167.8605 | 626101.95165 | 626101.95165 | 268082 | 268082 | 13577351.81215 Autres actifs | 2433639 | 71441.56224999999 | 1672244.9747995404 | 992684 | 3547417.8509299997 | 2049402.9098099999 | 10766830.29778954 | 377100.95092000003 | 377100.95092000003 | 35271 | 35271 | 11179202.24870954 67909146 | 2376146.91494 | 16331414.224599538 | 14105359 | 55989740.06887 | 63386253.964339994 | 220098060.17274955 | 4696498.857879999 | 4696498.857879999 | 1945961 | 1945961 | 226740520.03062952 PASSIF Dépôts À vue | 22178557 | 657463.5894200001 | 4202760.93625 | 3313799 | 17794795.52862 | 16976102.81253 | 65123478.86681999 | 618768.9483 | 618768.9483 | 1093024 | 1093024 | 66835271.81511999 Épargne | 17549609 | 304452.07908 | 2495761.5916 | 2294099 | 12304692.406319998 | 18863026.70466 | 53811640.78166 | 248817.64851000003 | 248817.64851000003 | 4 | 4 | 54060462.43017 À terme | 5482022 | 713291.93631 | 3115973.8947299994 | 1981721 | 5125905.1902600005 | 7273609.526479999 | 23692523.54778 | 687909.7254599999 | 687909.7254599999 | 4422 | 4422 | 24384855.27324 45210188 | 1675207.6048100002 | 9814496.42258 | 7589619 | 35225393.1252 | 43112739.04366999 | 142627643.19626 | 1555496.32227 | 1555496.32227 | 1097450 | 1097450 | 145280589.51852998 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1852083 | 140646.28093 | 685218.21029 | 676594 | 2752026.19807 | 2313752.51928 | 8420320.20857 | 91246.16331 | 91246.16331 | 304422 | 304422 | 8815988.37188 1852083 | 140646.28093 | 685218.21029 | 976594 | 2752026.19807 | 2313752.51928 | 8720320.20857 | 91246.16331 | 91246.16331 | 304422 | 304422 | 9115988.37188 Obligations à terme Banques locales | 7289925 | 0 | 1795605.81531 | 552436 | 5097563.80568 | 3335600.78599 | 18071131.40698 | 1747542.04506 | 1747542.04506 | 0 | 0 | 19818673.45204 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3192309 | 908200.28995 | 224283.413194 | 226021 | 699779.4793300001 | 585822.2051599999 | 5836415.387634 | 67446.12081 | 67446.12081 | 60470 | 60470 | 5964331.508444 10482234 | 908200.28995 | 2019889.228504 | 778457 | 5797343.285010001 | 3921422.9911499997 | 23907546.794614002 | 1814988.16587 | 1814988.16587 | 60470 | 60470 | 25783004.960484 Autres passifs | 1231467 | 22713.51145 | 27135.58221681079 | 433458 | 1797190.2241 | 131033.33458 | 3642997.652346811 | 284044.68738 | 284044.68738 | 0 | 0 | 3927042.339726811 58775972 | 2746767.6871400005 | 12546739.44359081 | 9778128 | 45571952.832380004 | 49478947.88867999 | 178898507.85179082 | 3745775.33883 | 3745775.33883 | 1462342 | 1462342 | 184106625.19062078 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729186.76157 | 810000 | 3000000 | 6300687.5 | 14004874.26157 | 300000 | 300000 | 103837 | 103837 | 14408711.26157 Réserves | 2106357 | 150488.951 | 294604.93022 | 605876 | 2131701.77986 | 1778707.62408 | 7067736.2851599995 | 303641.99439999997 | 303641.99439999997 | 59288 | 59288 | 7430666.27956 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 174325 | 1210135.63001 | 1384 | 0 | 0 | 1385844.63001 | 0 | 0 | 0 | 0 | 1385844.63001 BNR | 4025185 | -860190.95849 | 1218112.259654 | 2895878 | 5318951.760780001 | 5850947.35571 | 18448883.417654 | 344337.36339 | 344337.36339 | 320578 | 320578 | 19113798.781044 9131542 | -370377.00749 | 3452039.581454 | 4313138 | 10450653.54064 | 13930342.47979 | 40907338.594394 | 947979.35779 | 947979.35779 | 483703 | 483703 | 42339020.952184 67907514 | 2376390.6796500003 | 15998779.02504481 | 14091266 | 56022606.37302001 | 63409290.36846999 | 219805846.4461848 | 4693754.69662 | 4693754.69662 | 1946045 | 1946045 | 226445646.14280477 108859455 | 5019668.455010001 | 39813213.65759069 | 39530490 | 137729941.83320045 | 185693147.29978123 | 516645916.2455824 | 10442659.72843 | 10442659.72843 | 5535008 | 5535008 | 532623583.9740124 [bilsysbansept. 21 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 septembre 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4943823 | 311269.32863 | 1099481.89051165 | 1183107 | 5409199.95624 | 5026401.075495942 | 17973282.25087759 | 88270.42455 | 88270.42455 | 65851 | 65851 | 18127403.67542759 Avoirs à la BRH | 31975177 | 1447130.5060999999 | 20256406.605125606 | 13906636 | 49113854.972090006 | 72338779.38893872 | 189037984.47225434 | 1399708.7097399998 | 1399708.7097399998 | 4160086 | 4160086 | 194597779.18199435 Avoirs à l'étranger | 5726463 | 0 | 899253.4335778401 | 5929326 | 10248018.089629998 | 16946757.402034957 | 39749817.9252428 | 0 | 0 | 1247429 | 1247429 | 40997246.9252428 Avoirs dans les banques locales | 0 | 0 | 81692.253350172 | 60583 | 3196.385 | 6.110186409205198e-09 | 145471.63835017814 | 158746.76059 | 158746.76059 | 0 | 0 | 304218.3989401781 Autres liquidités | 326237 | 81687.89665 | 6984.7992243339995 | 266056 | 138057.36656 | 781780.364158288 | 1600803.426592622 | 48261.75186 | 48261.75186 | 66561 | 66561 | 1715626.178452622 42971700 | 1840087.7313799998 | 22343818.981789604 | 21345708 | 64912326.76952 | 95093718.23062791 | 248507359.71331754 | 1694987.64674 | 1694987.64674 | 5539927 | 5539927 | 255742274.3600575 Bons B.R.H. | 1000000 | 0 | 0 | 150000 | 4950000 | 0 | 6100000 | 0 | 0 | 0 | 0 | 6100000 Bons du Trésor / M.E.F. | 18100000 | 1548000 | 0 | 0 | 0 | 6800000 | 26448000 | 0 | 0 | 0 | 0 | 26448000 Autres Placements | 12007079 | 0 | 1429673.942552724 | 3480953 | 22022722.121720005 | 33002607.99476046 | 71943036.05903319 | 1717552.29115 | 1717552.29115 | 0 | 0 | 73660588.35018319 Portefeuille net | 24226185 | 299724.2969170001 | 12879428.636476168 | 11921831 | 35277167.734450005 | 40850938.74394 | 125455275.41178316 | 4821323.286839 | 4821323.286839 | 174580 | 174580 | 130451178.69862215 Immobilisations | 2756678 | 346872.70577 | 1039354.6431699999 | 1152314 | 4096161.708640001 | 3053038.18846 | 12444419.246040002 | 645881.5596399999 | 645881.5596399999 | 273970 | 273970 | 13364270.805680001 Autres actifs | 2461373 | 965622.04952 | 839857.723691214 | 847974 | 5415062.206769999 | 2722733.8798898105 | 13252622.859871024 | 1199053.65138 | 1199053.65138 | 32652 | 32652 | 14484328.511251025 103523015 | 5000306.783586999 | 38532133.92767971 | 38898780 | 136673440.5411 | 181523037.03767818 | 504150713.29004484 | 10078798.435749 | 10078798.435749 | 6021129 | 6021129 | 520250640.72579384 PASSIF Dépôts À vue | 38710883 | 1806698.38074 | 13020462.387828887 | 14465410 | 53654515.87899203 | 70871141.36605118 | 192529111.0136121 | 2801077.98982 | 2801077.98982 | 3967413 | 3967413 | 199297602.0034321 Épargne | 28477678 | 521071.6006400001 | 6703645.475447021 | 7399691 | 36063313.63760547 | 61506483.11393759 | 140671882.82763007 | 938439.2143900001 | 938439.2143900001 | 574758 | 574758 | 142185080.04202008 À terme | 10890711 | 1776960.29397 | 11801532.859254247 | 9101621 | 21628444.86694462 | 24309007.97476168 | 79508277.99493054 | 2848898.48685 | 2848898.48685 | 4421 | 4421 | 82361597.48178053 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475045 | 412709271.8361727 | 6588415.69106 | 6588415.69106 | 4546592 | 4546592 | 423844279.5272327 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2949874 | 286859.91713 | 1297816.839974808 | 1345439 | 5654482.18983 | 4083656.0309415725 | 15618127.97787638 | 183298.82252 | 183298.82252 | 904589 | 904589 | 16706015.800396381 2949874 | 286859.91713 | 1297816.839974808 | 1645439 | 5654482.18983 | 4083656.0309415725 | 15918127.97787638 | 183298.82252 | 183298.82252 | 904589 | 904589 | 17006015.800396383 Obligations à terme Banques locales | 7440513 | 0 | 1843963.11702 | 569204 | 5127708.24985 | 3968534.2379099997 | 18949922.60478 | 1733797.70961 | 1733797.70961 | 0 | 0 | 20683720.31439 Banque à l'étranger | 0 | 0 | 0 | 0 | 639.981 | 0 | 639.981 | 0 | 0 | 0 | 0 | 639.981 Autres | 5251196 | 938341.1038200001 | 408627.28477162 | 201823 | 1076224.85696 | 1622216.4417192084 | 9498428.687270828 | 294251.50182999996 | 294251.50182999996 | 91353 | 91353 | 9884033.189100828 12691709 | 938341.1038200001 | 2252590.40179162 | 771027 | 6204573.08781 | 5590750.6796292085 | 28448991.273050826 | 2028049.21144 | 2028049.21144 | 91353 | 91353 | 30568393.484490827 Autres passifs | 1099856 | 19811.747539999997 | 219690.4779300993 | 1485709 | 3697789.3651900003 | 1834504.3993485821 | 8357360.990008681 | 419297.56834 | 419297.56834 | 0 | 0 | 8776658.558348682 94820711 | 5349743.0438399995 | 35295738.442226686 | 34868897 | 126903119.02637212 | 168195543.56466982 | 465433752.0771086 | 9219061.29336 | 9219061.29336 | 5542534 | 5542534 | 480195347.3704686 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 735436.76157 | 810000 | 3000000 | 6301937.5 | 14012374.26157 | 300000 | 300000 | 103837 | 103837 | 14416211.26157 Réserves | 2106357 | 150488.951 | 294604.93022 | 605876 | 1787827.4278599997 | 1776025.1432 | 6721179.452279999 | 314508.72972 | 314508.72972 | 59288 | 59288 | 7094976.181999999 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 174325 | 1273607.57601 | 1384 | 0 | 0 | 1449316.57601 | 0 | 0 | 0 | 0 | 1449316.57601 BNR | 3595947 | -839250.2106100001 | 932746.2181299999 | 2612623 | 4982494.086860002 | 5249530.83167 | 16534090.926050004 | 245228.41199 | 245228.41199 | 315470 | 315470 | 17094789.338040005 8702304 | -349436.25961000007 | 3236395.48593 | 4029883 | 9770321.51472 | 13327493.47487 | 38716961.21591 | 859737.1417099999 | 859737.1417099999 | 478595 | 478595 | 40055293.35762 103523015 | 5000306.784229999 | 38532133.92815669 | 38898780 | 136673440.54109213 | 181523037.0395398 | 504150713.2930186 | 10078798.43507 | 10078798.43507 | 6021129 | 6021129 | 520250640.72808856 Hors-bilan Effets à l'encaissement | 1211933 | 0 | 0 | 0 | 52302.66995 | 2958.534002186 | 1267194.203952186 | 0 | 0 | 0 | 0 | 1267194.203952186 Crédit documentaire | 0 | 0 | 0 | 0 | 1998847.9257 | 1568762.3525348501 | 3567610.27823485 | 0 | 0 | 0 | 0 | 3567610.27823485 Autres | 4577443 | 202711.42267 | 3234982.958983928 | 240645 | 9109167.89706 | 2359671.6640074262 | 19724621.942721352 | 525606.4589699999 | 525606.4589699999 | 523955.56958 | 523955.56958 | 20774183.97127135 Portefeuille brut | 27361301 | 1248027.1620770001 | 13538290.93658562 | 12142855 | 37178786.39529 | 41781164.05436 | 133250424.54831262 | 5029973.547389 | 5029973.547389 | 174580 | 174580 | 138454978.0957016 Provisions pour créances douteuses | 3135116 | 948302.86516 | 658862.300109452 | 221024 | 1901618.66084 | 930225.31042 | 7795149.136529452 | 208650.26055 | 208650.26055 | 0 | 0 | 8003799.397079452 Portefeuille de crédit improductif | 4645111 | 1058203.1911819999 | 761869.776760954 | 51808 | 824729 | 213127.79359999998 | 7554848.761542954 | 207283.56608000002 | 207283.56608000002 | 0 | 0 | 7762132.327622954 Dépôts US convertis | 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475048 | 412709271.83617276 | 6588415.691060001 | 6588415.691060001 | 4546592 | 4546592 | 423844279.52723277 Immobilisation /A | 0.316775649299312 | -0.992663744046307 | 0.32114574615139607 | 0.28594229658776693 | 0.41924533419588184 | 0.22907819795348128 | 0.3214203505446136 | 0.7512546897245296 | 0.7512546897245296 | 0.5724464317429142 | 0.5724464317429142 | 0.3336455605595414 Liquidité en % de l'actif | 0.5995932402084696 | 0.6775759724385421 | 0.5798749434362065 | 0.5526062256965385 | 0.5111624211180316 | 0.5613266497380062 | 0.5574828167536926 | 0.16817358314538394 | 0.16817358314538394 | 0.9200811010692513 | 0.9200811010692513 | 0.5541372788275052 Liquidité en % des dépôts | 0.7949830782233728 | 0.8254105639355576 | 0.708750669921241 | 0.6941550997874428 | 0.6274329981519904 | 0.6503025601756666 | 0.6810008373761083 | 0.2572678662398268 | 0.2572678662398268 | 1.2184790278080813 | 1.2184790278080813 | 0.6801796987365836 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 95093718.23062791 | SOGEBK | 4950000 | UNIBK | 40850938.74394 | UNIBK | 13327493.47487 SOGEBK | 64912326.76952 | BNC | 1000000 | SOGEBK | 35277167.734450005 | SOGEBK | 9770321.51472 BNC | 42971700 | CAPITALBK | 150000 | BNC | 24226185 | BNC | 8702304 BUH | 22343818.981789604 | UNIBK | 0 | BUH | 12879428.636476168 | CAPITALBK | 4029883 CAPITALBK | 21345708 | BPH | 0 | CAPITALBK | 11921831 | BUH | 3236395.48593 CBNA | 5539927 | BUH | 0 | SOGEBL | 4821323.286839 | SOGEBL | 859737.1417099999 BPH | 1840087.7313799998 | CBNA | 0 | BPH | 299724.2969170001 | CBNA | 478595 SOGEBL | 1694987.64674 | SOGEBL | 0 | CBNA | 174580 | BPH | -349436.25961000007 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 21 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4284783 | 281803.37025 | 1136396.532384024 | 1090244 | 8768219.272791402 | 4188459.1425704714 | 19749905.3179959 | 60045.27794045083 | 60045.27794045083 | 125405 | 125405 | 19935355.59593635 Avoirs à la BRH | 30922327 | 1486639.52779 | 17827610.64715474 | 13848423 | 41061127.50611723 | 64514976.38595757 | 169661104.06701955 | 1406396.0162976007 | 1406396.0162976007 | 3966623 | 3966623 | 175034123.08331716 Avoirs à l'étranger | 0 | 0 | 627079.575536216 | 4900669 | 6071030.8522360055 | 16483082.002123505 | 28081861.429895725 | 0 | 0 | 1663671 | 1663671 | 29745532.429895725 Avoirs dans les banques locales | 0 | 0 | 202932.916117776 | 33131 | 38049.71 | 0 | 274113.62611777603 | 37516.80341728182 | 37516.80341728182 | 0 | 0 | 311630.42953505786 Autres liquidités | 2981789 | 25612.42068 | 13358.27329072 | 223429 | 109044.42199636542 | 1037844.385061072 | 4391077.501028157 | 30508.065189876783 | 30508.065189876783 | 33013 | 33013 | 4454598.566218033 38188899 | 1794055.3187199999 | 19807377.944483478 | 20095896 | 56047471.763141 | 86224361.91571261 | 222158061.9420571 | 1534466.1628452102 | 1534466.1628452102 | 5788712 | 5788712 | 229481240.10490233 Bons B.R.H. | 0 | 0 | 0 | 0 | 4650000 | 0 | 4650000 | 0 | 0 | 0 | 0 | 4650000 Bons du Trésor / M.E.F. | 19600000 | 1535000 | 0 | 0 | 0 | 6600000 | 27735000 | 0 | 0 | 0 | 0 | 27735000 Autres Placements | 12998641 | 0 | 1769858.6105526001 | 3357381 | 20505914.818776727 | 30908312.39408446 | 69540107.82341379 | 1763894.8665412134 | 1763894.8665412134 | 0 | 0 | 71304002.689955 Portefeuille net | 25738268 | 260731.6043439199 | 12773712.303171996 | 11666673 | 36733519.47497157 | 34423104.60172 | 121596008.98420748 | 4701779.61812649 | 4701779.61812649 | 402861 | 402861 | 126700649.60233398 Immobilisations | 2612224 | 348470.61344 | 1007955.30115 | 1023609 | 3994726.3280400005 | 2952124.6300799996 | 11939109.87271 | 684566.2632500001 | 684566.2632500001 | 273410 | 273410 | 12897086.135960001 Autres actifs | 2548828 | 895144.44002 | 861449.5900385759 | 906720 | 5150484.842023202 | 2853152.120631112 | 13215778.99271289 | 1117215.4521721243 | 1117215.4521721243 | 51373 | 51373 | 14384367.444885015 101686860 | 4833401.97652392 | 36220353.74939665 | 37050279 | 127082117.22695251 | 163961055.66222817 | 470834067.6151013 | 9801922.362935038 | 9801922.362935038 | 6516356 | 6516356 | 487152345.9780363 PASSIF Dépôts À vue | 37575563 | 1797094.00916 | 12251783.405626815 | 13597298 | 48286245.059117734 | 63339478.70831988 | 176847462.18222442 | 2678426.2549199997 | 2678426.2549199997 | 4634997 | 4634997 | 184160885.43714443 Épargne | 26352639 | 514619.75049999997 | 6191614.850486759 | 6998009 | 33718779.982193656 | 56969651.78774321 | 130745314.37092364 | 864430.41435 | 864430.41435 | 551248 | 551248 | 132160992.78527364 À terme | 10650744 | 1693887.7935600001 | 10885258.187532272 | 8795600 | 20791104.96396315 | 21938466.485086612 | 74755061.43014205 | 2846601.15379 | 2846601.15379 | 4420 | 4420 | 77606082.58393204 74578946 | 4005601.55322 | 29328656.443645846 | 29390907 | 102796130.00527453 | 142247596.9811497 | 382347837.9832901 | 6389457.823059999 | 6389457.823059999 | 5190665 | 5190665 | 393927960.8063501 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 | 3061249 | 230283.7609 | 1265621.1379701518 | 1827918 | 5222793.938547746 | 3690150.8128693495 | 15298016.650287246 | 188150.7885544709 | 188150.7885544709 | 742646 | 742646 | 16228813.438841717 3061249 | 230283.7609 | 1265621.1379701518 | 1827918 | 5222793.938547746 | 3690150.8128693495 | 15298016.650287246 | 188150.7885544709 | 188150.7885544709 | 742646 | 742646 | 16228813.438841717 Obligations à terme Banques locales | 9257631 | 0 | 1892320.41873 | 590103 | 5061018.88855 | 2153610.26841 | 18954683.57569 | 1764506.13334 | 1764506.13334 | 0 | 0 | 20719189.709030002 Banque à l'étranger | 0 | 0 | 0 | 0 | 594.5295070832163 | 0 | 594.5295070832163 | 0 | 0 | 0 | 0 | 594.5295070832163 Autres | 5079437 | 925422.71412 | 428113.61554739997 | 148530 | 887969.4193710614 | 1546674.3964120797 | 9016147.14545054 | 261955.67809 | 261955.67809 | 93454 | 93454 | 9371556.82354054 14337068 | 925422.71412 | 2320434.0342774 | 738633 | 5949582.837428144 | 3700284.6648220797 | 27971425.250647623 | 2026461.81143 | 2026461.81143 | 93454 | 93454 | 30091341.062077627 Autres passifs | 1182377 | 18644.63342 | 345098.001026392 | 1333786 | 3588483.938748057 | 1703685.719985736 | 8172075.293180184 | 381036.4135697231 | 381036.4135697231 | 0 | 0 | 8553111.706749907 93159640 | 5179952.66166 | 33259809.616919793 | 33291244 | 117556990.71999848 | 151341718.17882684 | 433789355.1774051 | 8985106.836614193 | 8985106.836614193 | 6026765 | 6026765 | 448801227.0140193 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 726186.76157 | 810000 | 3000000 | 6301937.5 | 14003124.26157 | 300000 | 300000 | 103837 | 103837 | 14406961.26157 Réserves | 1987831 | 126300.688 | 289284.22173 | 589002 | 1754893.60196 | 1813291.28815 | 6560602.7998399995 | 302502.72941 | 302502.72941 | 59288 | 59288 | 6922393.52925 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 187425 | 1158324.6613599998 | 1384 | 0 | 0 | 1347133.6613599998 | 0 | 0 | 0 | 0 | 1347133.6613599998 BNR | 3539389 | -825276.37308 | 786748.48477 | 2358649 | 4770232.904959999 | 4504108.6952 | 15133851.711849999 | 214312.79697 | 214312.79697 | 326466 | 326466 | 15674630.50882 8527220 | -346550.6850800001 | 2960544.1294299997 | 3759035 | 9525126.506919999 | 12619337.48335 | 37044712.43462 | 816815.52638 | 816815.52638 | 489591 | 489591 | 38351118.960999995 101686860 | 4833401.97658 | 36220353.7463498 | 37050279 | 127082117.22691847 | 163961055.66217685 | 470834067.61202514 | 9801922.362994194 | 9801922.362994194 | 6516356 | 6516356 | 487152345.97501934 Hors-bilan Effets à l'encaissement | 1128243 | 0 | 0 | 0 | 23410.28661268 | 3215.593571724 | 1154868.8801844039 | 0 | 0 | 0 | 0 | 1154868.8801844039 Crédit documentaire | 0 | 0 | 0 | 0 | 1720748.655919656 | 1575298.6477150558 | 3296047.3036347115 | 0 | 0 | 0 | 0 | 3296047.3036347115 Autres | 5241174 | 200624.880501232 | 2995598.933721352 | 256815 | 9002204.443583364 | 1881070.6299394798 | 19577487.887745425 | 634402.39887 | 634402.39887 | 764944.91811 | 764944.91811 | 20976835.204725422 Portefeuille brut | 28951353 | 1216523.44172392 | 13504594.267226227 | 11900877 | 38616517.95938 | 35347031.11543 | 129536896.78376015 | 4883871.5275 | 4883871.5275 | 402861 | 402861 | 134823629.31126013 Provisions pour créances douteuses | 3213085 | 955791.83738 | 730881.9640542297 | 234204 | 1882998.4844084287 | 923926.5137100001 | 7940887.799552659 | 182091.9093735097 | 182091.9093735097 | 0 | 0 | 8122979.708926168 Portefeuille de crédit improductif | 4767143 | 961910.6279238878 | 315390.232628392 | 125799 | 1313896 | 241394.99680000002 | 7725533.85735228 | 273397.51744 | 273397.51744 | 0 | 0 | 7998931.37479228 Dépôts US convertis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisation /A | 0.30633946350627755 | -1.0055401083958517 | 0.3404628531391167 | 0.2723063232983997 | 0.4193882700810151 | 0.23393657820587205 | 0.3222891767288319 | 0.8380916389822948 | 0.8380916389822948 | 0.5584457230627197 | 0.5584457230627197 | 0.3362896959818904 Liquidité en % de l'actif | 0.568302522076107 | 0.6887602841413546 | 0.5468576613449951 | 0.5423952677927203 | 0.4776240204964718 | 0.5661366447099342 | 0.5406215893242068 | 0.15654747161104196 | 0.15654747161104196 | 0.8883357508398866 | 0.8883357508398866 | 0.5375448610006465 Liquidité en % des dépôts | 0.7748688081486161 | 0.8310999670059189 | 0.6753591997145445 | 0.6837453502200528 | 0.5904645608742914 | 0.6525548683118595 | 0.6657368936219316 | 0.24015592642418182 | 0.24015592642418182 | 1.1152158731106707 | 1.1152158731106707 | 0.6647566716738658 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 86224361.91571261 | SOGEBK | 4650000 | SOGEBK | 36733519.47497157 | UNIBK | 12619337.48335 SOGEBK | 56047471.763141 | BNC | 0 | UNIBK | 34423104.60172 | SOGEBK | 9525126.506919999 BNC | 38188899 | UNIBK | 0 | BNC | 25738268 | BNC | 8527220 CAPITALBK | 20095896 | BPH | 0 | BUH | 12773712.303171996 | CAPITALBK | 3759035 BUH | 19807377.944483478 | BUH | 0 | CAPITALBK | 11666673 | BUH | 2960544.1294299997 CBNA | 5788712 | CAPITALBK | 0 | SOGEBL | 4701779.61812649 | SOGEBL | 816815.52638 BPH | 1794055.3187199999 | CBNA | 0 | CBNA | 402861 | CBNA | 489591 SOGEBL | 1534466.1628452102 | SOGEBL | 0 | BPH | 260731.6043439199 | BPH | -346550.6850800001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanars 21] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4516936 | 407557.91194 | 863244.252048954 | 1103010 | 6960627.265110001 | 4191196.368089582 | 18042571.79718854 | 72513.06816 | 72513.06816 | 96904 | 96904 | 18211988.86534854 Avoirs à la BRH | 28943329 | 1126165.2066799998 | 15740903.224716257 | 12466609 | 39876738.409260005 | 56036509.91823475 | 154190254.75889102 | 1206318.49318 | 1206318.49318 | 3311406 | 3311406 | 158707979.25207102 Avoirs à l'étranger | 2834991 | 0 | 740065.2621599999 | 4533255 | 8483876.18548 | 13210595.509980377 | 29802782.957620375 | 0 | 0 | 735391 | 735391 | 30538173.957620375 Avoirs dans les banques locales | 0 | 0 | 192819.799753812 | 15816 | 8444.185 | 0 | 217079.984753812 | 379483.6174 | 379483.6174 | 0 | 0 | 596563.602153812 Autres liquidités | 298480.1 | 194839.71314 | 551.27077484 | 385520 | 117463.86061 | 930514.539565516 | 1927369.4840903562 | 33432.71423 | 33432.71423 | 52900 | 52900 | 2013702.1983203562 36593736.1 | 1728562.83176 | 17537583.809453864 | 18504210 | 55447149.90546001 | 74368816.33587022 | 204180058.98254412 | 1691747.89297 | 1691747.89297 | 4196601 | 4196601 | 210068407.87551412 Bons B.R.H. | 400000 | 50000 | 0 | 0 | 5500000 | 200000 | 6150000 | 0 | 0 | 0 | 0 | 6150000 Bons du Trésor / M.E.F. | 18800000 | 1490000 | 0 | 0 | 0 | 8400000 | 28690000 | 0 | 0 | 0 | 0 | 28690000 Autres Placements | 11152298.899999999 | 0 | 2563469.619547214 | 2883158 | 15552962.68332 | 25141827.166812636 | 57293716.36967985 | 1332107.52007 | 1332107.52007 | 0 | 0 | 58625823.889749855 Portefeuille net | 20526808.57988 | 207894.26791 | 12543693.808664879 | 10234346 | 33648881.86866 | 32903482.135870002 | 110065106.66098487 | 4398483.662250001 | 4398483.662250001 | 373139 | 373139 | 114836729.32323487 Immobilisations | 2394760.5694199996 | 342286.7104 | 1021465.7187300001 | 985507 | 4805029.25115 | 2907214.55578 | 12456263.80548 | 686773.2420300001 | 686773.2420300001 | 279226 | 279226 | 13422263.04751 Autres actifs | 2426548.4 | 805020.26574 | 756627.579793936 | 882857 | 4235468.611629999 | 2742110.400433938 | 11848632.257597875 | 962442.27093 | 962442.27093 | 45215 | 45215 | 12856289.528527874 92294152.5493 | 4623764.075809999 | 34422840.5361899 | 33490078 | 119189492.32022001 | 146663450.5947668 | 430683778.07628673 | 9071554.588250002 | 9071554.588250002 | 4894181 | 4894181 | 444649513.5645367 PASSIF Dépôts À vue | 35345460 | 1760802.7404699998 | 12526916.214018159 | 12775608 | 45863324.853495255 | 53795889.37218051 | 162068001.18016392 | 2355576.31807 | 2355576.31807 | 3221231 | 3221231 | 167644808.4982339 Épargne | 24448797 | 466116.14359 | 5564592.726639216 | 5998241 | 30440590.119239174 | 49752284.456911534 | 116670621.44637993 | 806115.9736299999 | 806115.9736299999 | 466943 | 466943 | 117943680.42000993 À terme | 10618772 | 1558424.34246 | 9603673.44998699 | 7811417 | 18439515.668359984 | 20781559.81183163 | 68813362.2726386 | 2634732.06865 | 2634732.06865 | 4259 | 4259 | 71452353.3412886 70413029 | 3785343.22652 | 27695182.390644364 | 26585266 | 94743430.6410944 | 124329733.64092368 | 347551984.8991825 | 5796424.36035 | 5796424.36035 | 3692433 | 3692433 | 357040842.25953245 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 | 3224616.99998 | 225530.30306 | 1219943.207967682 | 1528951 | 6558547.559669999 | 3223794.220414256 | 15981383.291091938 | 195684.62355 | 195684.62355 | 665599 | 665599 | 16842666.91464194 3224616.99998 | 225530.30306 | 1219943.207967682 | 1528951 | 6558547.559669999 | 3223794.220414256 | 15981383.291091938 | 195684.62355 | 195684.62355 | 665599 | 665599 | 16842666.91464194 Obligations à terme Banques locales | 4354353 | 0 | 1940677.72044 | 598365 | 4945455.73073 | 3393646.73628 | 15232498.187450001 | 1740629.7053899998 | 1740629.7053899998 | 0 | 0 | 16973127.89284 Banque à l'étranger | 0 | 0 | 0 | 0 | 522.65291 | 0 | 522.65291 | 0 | 0 | 0 | 0 | 522.65291 Autres | 4565894 | 923408.6272100001 | 346663.30235777225 | 96103 | 661799.0999100001 | 1591285.362765698 | 8185153.392243471 | 272137.32299 | 272137.32299 | 66790 | 66790 | 8524080.715233471 8920247 | 923408.6272100001 | 2287341.022797772 | 694468 | 5607777.48355 | 4984932.099045698 | 23418174.23260347 | 2012767.0283799998 | 2012767.0283799998 | 66790 | 66790 | 25497731.260983475 Autres passifs | 983859.5 | 20659.08976 | 316458.323847368 | 1219262 | 3423300.6486799996 | 1673311.220281824 | 7636850.782569192 | 276639.75591000007 | 276639.75591000007 | 0 | 0 | 7913490.538479192 83541752.49998 | 4954941.246549999 | 31518924.945257187 | 30027947 | 110333056.3329944 | 134211771.18066545 | 394588393.205447 | 8281515.768189999 | 8281515.768189999 | 4424822 | 4424822 | 407294730.97363704 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 726186.76157 | 810000 | 3000000 | 6321512.5 | 14022699.26157 | 300000 | 300000 | 103837 | 103837 | 14426536.26157 Réserves | 2537262 | 126300.688 | 289284.22173 | 589002 | 1754893.60196 | 1809132.6468700003 | 7105875.15856 | 302502.72941 | 302502.72941 | 59288 | 59288 | 7467665.8879700005 Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000 Surplus d'apport | 0 | 187425 | 1158324.6613599998 | 1384 | 0 | 0 | 1347133.6613599998 | 0 | 0 | 0 | 0 | 1347133.6613599998 BNR | 2987138 | -809902.85874 | 730119.94443 | 2061745 | 4101542.38526 | 4321034.2707899995 | 13391676.74174 | 187536.09068 | 187536.09068 | 306234 | 306234 | 13885446.832419999 8752400 | -331177.1707400001 | 2903915.58909 | 3462131 | 8856435.98722 | 12451679.41766 | 36095384.82323 | 790038.82009 | 790038.82009 | 469359 | 469359 | 37354782.643319994 92294152.49998 | 4623764.075809999 | 34422840.534347184 | 33490078 | 119189492.3202144 | 146663450.59832546 | 430683778.0286771 | 9071554.58828 | 9071554.58828 | 4894181 | 4894181 | 444649513.61695707 Hors-bilan Effets à l'encaissement | 993966 | 0 | 0 | 0 | 34978.44685 | 5140.712637115999 | 1034085.1594871159 | 0 | 0 | 0 | 0 | 1034085.1594871159 Crédit documentaire | 85866 | 0 | 0 | 0 | 1480843.83553 | 1549448.335484694 | 3116158.171014694 | 0 | 0 | 0 | 0 | 3116158.171014694 Autres | 4676674.3 | 191616.531140892 | 2018998.933735124 | 70770 | 8815877.07868 | 1265676.4314339058 | 17039613.27498992 | 547150.24682 | 547150.24682 | 681370.18012 | 681370.18012 | 18268133.70192992 Portefeuille brut | 23136740.57988 | 1149374.0219899998 | 13201246.458100874 | 10440401 | 35347311.53701 | 33719899.51148 | 116994973.10846087 | 4567141.673830001 | 4567141.673830001 | 373139 | 373139 | 121935253.78229088 Provisions pour créances douteuses | 2609932 | 941479.75408 | 657552.6494359953 | 206055 | 1698429.66835 | 816417.37561 | 6929866.447475996 | 168658.01158000002 | 168658.01158000002 | 0 | 0 | 7098524.459055996 Portefeuille de crédit improductif | 5607632 | 951943.21513952 | 306783.73881187005 | 139171 | 1148261 | 213878.04775000003 | 8367669.00170139 | 308192.4389 | 308192.4389 | 0 | 0 | 8675861.44060139 Dépôts US convertis | 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475048 | 412709271.83617276 | 6588415.691060001 | 6588415.691060001 | 4546592 | 4546592 | 423844279.52723277 Immobilisation /A | 0.27361187439102413 | -1.0335456083376042 | 0.35175461799497304 | 0.28465329590359234 | 0.5425466020511801 | 0.23347971452403027 | 0.3450929770241289 | 0.8692905013854432 | 0.8692905013854432 | 0.5949092272652703 | 0.5949092272652703 | 0.35931846199378836 Liquidité en % de l'actif | 0.6045208126289163 | 0.7069051919971516 | 0.5094752070508536 | 0.5525281248971711 | 0.511346669232524 | 0.5657088797475128 | 0.5549780863587731 | 0.18648930307504832 | 0.18648930307504832 | 0.8574674700424851 | 0.8574674700424851 | 0.5507897802748141 Liquidité en % des dépôts | 0.7923780143018702 | 0.8634785899626083 | 0.6332359022621273 | 0.6960325317038393 | 0.6432862890128928 | 0.667328835236567 | 0.6877246264379091 | 0.2918606002249029 | 0.2918606002249029 | 1.1365408661443552 | 1.1365408661443552 | 0.6859394749508533 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 74368816.33587022 | SOGEBK | 5500000 | SOGEBK | 33648881.86866 | UNIBK | 12451679.41766 SOGEBK | 55447149.90546001 | BNC | 400000 | UNIBK | 32903482.135870002 | SOGEBK | 8856435.98722 BNC | 36593736.1 | UNIBK | 200000 | BNC | 20526808.57988 | BNC | 8752400 CAPITALBK | 18504210 | BPH | 50000 | BUH | 12543693.808664879 | CAPITALBK | 3462131 BUH | 17537583.809453864 | BUH | 0 | CAPITALBK | 10234346 | BUH | 2903915.58909 CBNA | 4196601 | CAPITALBK | 0 | SOGEBL | 4398483.662250001 | SOGEBL | 790038.82009 BPH | 1728562.83176 | CBNA | 0 | CBNA | 373139 | CBNA | 469359 SOGEBL | 1691747.89297 | SOGEBL | 0 | BPH | 207894.26791 | BPH | -331177.1707400001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandec. 20 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4318049 | 293540.17509000003 | 1204198.3468017601 | 1023919 | 5180829.49403 | 3180126.2272822047 | 15200662.243203964 | 70576.45422 | 70576.45422 | 97877 | 97877 | 15369115.697423965 Avoirs à la BRH | 25563296 | 1295392.53614 | 12093890.328258434 | 10005820 | 35180582.071940005 | 50484407.69790576 | 134623388.6342442 | 963290.8987499999 | 963290.8987499999 | 3183793 | 3183793 | 138770472.5329942 Avoirs à l'étranger | 2301664 | 0 | 935719.959600645 | 4412510 | 8292205.11576 | 11163275.75952845 | 27105374.834889095 | 0 | 0 | 701042 | 701042 | 27806416.834889095 Avoirs dans les banques locales | 0 | 0 | 53134.82794637 | 12530 | 8978.31 | 0 | 74643.13794637 | 462716.88632 | 462716.88632 | 0 | 0 | 537360.02426637 Autres liquidités | 274583 | 47550.21082 | 4735.585006900001 | 138589 | 85389.44524 | 510792.882273153 | 1061640.123340053 | 15882.60759 | 15882.60759 | 61882 | 61882 | 1139404.730930053 32457592 | 1636482.92205 | 14291679.047614109 | 15593368 | 48747984.43697 | 65338602.56698956 | 178065708.97362366 | 1512466.8468799999 | 1512466.8468799999 | 4044594 | 4044594 | 183622769.82050368 Bons B.R.H. | 1200000 | 262000 | 0 | 0 | 5400000 | 0 | 6862000 | 0 | 0 | 0 | 0 | 6862000 Bons du Trésor / M.E.F. | 16575000 | 1353000 | 0 | 0 | 0 | 6150000 | 24078000 | 0 | 0 | 0 | 0 | 24078000 Autres Placements | 10070479.599999998 | 0 | 3059206.855704175 | 3229027 | 13941268.914980002 | 23162173.45331397 | 53462155.823998146 | 987402.21257 | 987402.21257 | 0 | 0 | 54449558.03656814 Portefeuille net | 19549731.77216 | 187417.68650999997 | 12270296.6641153 | 8701248 | 32360495.203840006 | 31697850.02548 | 104767039.3521053 | 4268503.9781599995 | 4268503.9781599995 | 357284 | 357284 | 109392827.3302653 Immobilisations | 2394600.1709399996 | 344651.1947 | 1021809.9788599999 | 817598 | 5033277.64147 | 2897608.3141799998 | 12509545.30015 | 685748.53338 | 685748.53338 | 285472 | 285472 | 13480765.83353 Autres actifs | 1962897 | 737976.45755 | 415341.37857113325 | 672526 | 4077962.95192 | 2367048.244026505 | 10233752.032067638 | 867207.40533 | 867207.40533 | 47561 | 47561 | 11148520.437397638 84210300.54309998 | 4521528.26081 | 31058333.924864713 | 29013767 | 109560989.14918001 | 131613282.60399006 | 389978201.48194474 | 8321328.9763199985 | 8321328.9763199985 | 4734911 | 4734911 | 403034441.35826474 PASSIF Dépôts À vue | 31572908.477520335 | 1718615.2637500004 | 10869961.247670215 | 11144867 | 40933024.639821835 | 49337867.84780517 | 145577244.47656757 | 2039309.4687199998 | 2039309.4687199998 | 3070934 | 3070934 | 150687487.94528756 Épargne | 21803075 | 457332.06588 | 4806676.181605015 | 5191853 | 27353107.03479497 | 43191964.21237123 | 102804007.49465121 | 753572.6335700001 | 753572.6335700001 | 463865 | 463865 | 104021445.12822121 À terme | 10521382 | 1508405.3519000001 | 8711242.997247435 | 6566345 | 17223153.080456473 | 19131711.935983494 | 63662240.3655874 | 2250339.8013400002 | 2250339.8013400002 | 4258 | 4258 | 65916838.1669274 63897365.47752033 | 3684352.6815300006 | 24387880.426522665 | 22903065 | 85509284.75507328 | 111661543.9961599 | 312043492.3368062 | 5043221.90363 | 5043221.90363 | 3539057 | 3539057 | 320625771.2404362 Obligations à vue Banques locales | 0 | 0 | 0 | 150000 | 0 | 0 | 150000 | 0 | 0 | 0 | 0 | 150000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2210533 | 208045.22211000003 | 1212291.2275815401 | 1049497 | 6147337.6683600005 | 3375855.825249342 | 14203559.943300882 | 159132.8644999999 | 159132.8644999999 | 648169 | 648169 | 15010861.807800882 2210533 | 208045.22211000003 | 1212291.2275815401 | 1199497 | 6147337.6683600005 | 3375855.825249342 | 14353559.943300882 | 159132.8644999999 | 159132.8644999999 | 648169 | 648169 | 15160861.807800882 Obligations à terme Banques locales | 4223247 | 0 | 1989035.02215 | 610759 | 4996045.17184 | 2733683.2041499997 | 14552769.398139998 | 1753987.78661 | 1753987.78661 | 0 | 0 | 16306757.184749998 Banque à l'étranger | 0 | 0 | 0 | 0 | 471.13302000000004 | 0 | 471.13302000000004 | 0 | 0 | 0 | 0 | 471.13302000000004 Autres | 4420466 | 921136.55026 | 165227.964999355 | 83079 | 691012.4014900001 | 696630.2493607949 | 6977552.1661101505 | 247482.04515000002 | 247482.04515000002 | 84854 | 84854 | 7309888.21126015 8643713 | 921136.55026 | 2154262.987149355 | 693838 | 5687528.70635 | 3430313.453510795 | 21530792.697270148 | 2001469.83176 | 2001469.83176 | 84854 | 84854 | 23617116.529030148 Autres passifs | 1019180 | 22264.03391 | 288059.84885699 | 726047 | 3231768.6579099996 | 1281150.409685595 | 6568469.950362585 | 251688.19410000002 | 251688.19410000002 | 0 | 0 | 6820158.1444625845 75770791.47752033 | 4835798.487810001 | 28042494.490110546 | 25522447 | 100575919.78769328 | 119748863.68460563 | 354496314.92773974 | 7455512.793989999 | 7455512.793989999 | 4272080 | 4272080 | 366223907.72172976 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 726311.76157 | 810000 | 3000000 | 6322075 | 14023386.76157 | 300000 | 300000 | 103837 | 103837 | 14427223.76157 Réserves | 1148549 | 126300.688 | 222839.40772999998 | 362874 | 1754893.6018700004 | 2079900.0328799998 | 5695356.73048 | 302502.72959999996 | 302502.72959999996 | 59288 | 59288 | 6057147.460080001 Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000 Surplus d'apport | 0 | 187425 | 1159346.97086 | 1384 | 0 | 0 | 1348155.97086 | 0 | 0 | 0 | 0 | 1348155.97086 BNR | 4062960 | -792995.915 | 907341.2967700001 | 2317062 | 4230175.759689999 | 3462443.8872599998 | 14186987.028719997 | 263313.45255 | 263313.45255 | 299706 | 299706 | 14750006.481269997 8439509 | -314270.2270000001 | 3015839.43693 | 3491320 | 8985069.361559998 | 11864418.92014 | 35481886.491629995 | 865816.18215 | 865816.18215 | 462831 | 462831 | 36810533.673779994 84210300.47752033 | 4521528.260810001 | 31058333.927040547 | 29013767 | 109560989.14925328 | 131613282.60474563 | 389978201.4193698 | 8321328.976139999 | 8321328.976139999 | 4734911 | 4734911 | 403034441.39550984 Hors-bilan Effets à l'encaissement | 897957.2 | 0 | 0 | 0 | 28691.52546 | 4168.475612863 | 930817.201072863 | 0 | 0 | 0 | 0 | 930817.201072863 Crédit documentaire | 77573.3 | 0 | 0 | 0 | 1398947.7501700001 | 1225559.652158655 | 2702080.702328655 | 0 | 0 | 0 | 0 | 2702080.702328655 Autres | 4388082.1 | 181800.15070819 | 2721752.42022182 | 210415 | 8740937.563310003 | 905028.275034035 | 17148015.509274047 | 478427.62514 | 478427.62514 | 623484.92686 | 623484.92686 | 18249928.061274048 Portefeuille brut | 21956998.77216 | 1112945.52394 | 12807101.244374536 | 9009453 | 33835944.831870005 | 32589651.6021 | 111312094.97444454 | 4426131.736409999 | 4426131.736409999 | 357284 | 357284 | 116095510.71085453 Provisions pour créances douteuses | 2407267 | 925527.83743 | 536804.580259235 | 308205 | 1475449.62803 | 891801.57662 | 6545055.622339236 | 157627.75825 | 157627.75825 | 0 | 0 | 6702683.380589236 Portefeuille de crédit improductif | 3409230 | 907341.331572175 | 218354.462552695 | 85794 | 1184335 | 265958.4485 | 6071013.24262487 | 165377.46797 | 165377.46797 | 0 | 0 | 6236390.710594869 Dépôts US convertis | 36013707 | 2368688.90766 | 21574269.326940157 | 23349153 | 76553000.91412212 | 111841687.02080046 | 271700506.16952276 | 5140174.9410500005 | 5140174.9410500005 | 3481039 | 3481039 | 280321720.11057276 Immobilisation /A | 0.28373690589582873 | -1.0966714791598757 | 0.3388144495849422 | 0.23418019545615984 | 0.5601823913573124 | 0.24422673657125116 | 0.35256144858873106 | 0.7920255448184684 | 0.7920255448184684 | 0.6167953313412455 | 0.6167953313412455 | 0.3662203311964558 Liquidité en % de l'actif | 0.596513629283276 | 0.7191114894121042 | 0.4601560110142438 | 0.5374472056661929 | 0.49422686722224857 | 0.5431716400698776 | 0.5359420300401079 | 0.18175784795722244 | 0.18175784795722244 | 0.8542069745344738 | 0.8542069745344738 | 0.5323683234053312 Liquidité en % des dépôts | 0.7861449627007279 | 0.8825113128691462 | 0.5860156273388734 | 0.6808419746440051 | 0.6332409935607302 | 0.640225811040622 | 0.6697967241952029 | 0.2999009117150605 | 0.2999009117150605 | 1.1428451138255191 | 1.1428451138255191 | 0.669200011559906 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 65338602.56698956 | SOGEBK | 5400000 | SOGEBK | 32360495.203840006 | UNIBK | 11864418.92014 SOGEBK | 48747984.43697 | BNC | 1200000 | UNIBK | 31697850.02548 | SOGEBK | 8985069.361559998 BNC | 32457592 | BPH | 262000 | BNC | 19549731.77216 | BNC | 8439509 CAPITALBK | 15593368 | UNIBK | 0 | BUH | 12270296.6641153 | CAPITALBK | 3491320 BUH | 14291679.047614109 | BUH | 0 | CAPITALBK | 8701248 | BUH | 3015839.43693 CBNA | 4044594 | CAPITALBK | 0 | SOGEBL | 4268503.9781599995 | SOGEBL | 865816.18215 BPH | 1636482.92205 | CBNA | 0 | CBNA | 357284 | CBNA | 462831 SOGEBL | 1512466.8468799999 | SOGEBL | 0 | BPH | 187417.68650999997 | BPH | -314270.2270000001 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 [bilsysbansept. 20] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4249157 | 330561.74611 | 1540154.2400953462 | 1211723 | 4213513.0541900005 | 4617784.8657031525 | 16162893.906098498 | 45626.62983 | 45626.62983 | 83019 | 83019 | 16291539.535928499 Avoirs à la BRH | 23301324.5 | 1216271.97785 | 10273166.67950391 | 9661511 | 32015278.25152 | 45065996.25738363 | 121533548.66625755 | 973212.7014599999 | 973212.7014599999 | 2384397 | 2384397 | 124891158.36771755 Avoirs à l'étranger | 1562932 | 0 | 472681.1237459701 | 3569413 | 7111476.047150001 | 8704248.558392948 | 21420750.72928892 | 0 | 0 | 751281 | 751281 | 22172031.72928892 Avoirs dans les banques locales | 0 | 0 | 79020.44975303201 | 11484 | 20005.81 | 0 | 110510.259753032 | 130120.88674000002 | 130120.88674000002 | 0 | 0 | 240631.14649303202 Autres liquidités | 322805.1 | 25746.419 | 648568.905743564 | 148428 | 72103.76637 | 768548.975584686 | 1986201.16669825 | 71322.52186000001 | 71322.52186000001 | 48949 | 48949 | 2106472.6885582497 29436218.6 | 1572580.1429599999 | 13013591.398841823 | 14602559 | 43432376.929230005 | 59156578.657064416 | 161213904.72809625 | 1220282.7398899999 | 1220282.7398899999 | 3267646 | 3267646 | 165701833.46798626 Bons B.R.H. | 0 | 0 | 0 | 0 | 4050000 | 0 | 4050000 | 0 | 0 | 0 | 0 | 4050000 Bons du Trésor / M.E.F. | 19250000 | 1402000 | 0 | 0 | 0 | 3300000 | 23952000 | 0 | 0 | 0 | 0 | 23952000 Autres Placements | 9473755.099999998 | 100000 | 2100767.987065756 | 2454546 | 13153058.77161 | 22023226.652763538 | 49305354.51143929 | 745023.96046 | 745023.96046 | 0 | 0 | 50050378.47189929 Portefeuille net | 22573390.35592 | 167934.05005000002 | 12316507.917750105 | 7960739 | 28782480.1563 | 31336763.096040003 | 103137814.57606012 | 4134099.53656 | 4134099.53656 | 347901 | 347901 | 107619815.11262012 Immobilisations | 2342234.59738 | 345133.09933999996 | 1021305.5977999999 | 826915 | 4508152.79164 | 2871992.87664 | 11915733.9628 | 767647.23477 | 767647.23477 | 290909 | 290909 | 12974290.19757 Autres actifs | 2174766 | 706499.39696 | 411058.26110104204 | 354643 | 3717661.25549 | 2267644.210743792 | 9632272.124294834 | 870884.8938000001 | 870884.8938000001 | 39732 | 39732 | 10542889.018094834 85250364.6533 | 4294146.689309999 | 28863231.162558727 | 26199402 | 97643729.90427001 | 120956205.49325176 | 363207079.9026905 | 7737938.365479999 | 7737938.365479999 | 3946188 | 3946188 | 374891206.26817054 PASSIF Dépôts À vue | 30626438 | 1655858.25046 | 9302218.188062876 | 8463608 | 34366010.2928259 | 44194623.05245058 | 128608755.78379937 | 1786680.5859299998 | 1786680.5859299998 | 2550463 | 2550463 | 132945899.36972937 Épargne | 20830883 | 430073.66489 | 4265557.385238585 | 4863012 | 25812253.94268559 | 40334588.144952476 | 96536368.13776664 | 617173.14228 | 617173.14228 | 400600 | 400600 | 97554141.28004664 À terme | 9974030.5 | 1414493.8344200002 | 8320459.840798957 | 7210253 | 15937603.261680763 | 18268271.05466571 | 61125111.491565436 | 1971299.91882 | 1971299.91882 | 4257 | 4257 | 63100668.41038544 61431351.5 | 3500425.74977 | 21888235.414100416 | 20536873 | 76115867.49719225 | 102797482.25206877 | 286270235.4131315 | 4375153.64703 | 4375153.64703 | 2955320 | 2955320 | 293600709.0601615 Obligations à vue Banques locales | 0 | 0 | 400000 | 0 | 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 | 2970516.2 | 140084.68306 | 1141504.089839935 | 879398 | 4934112.777519999 | 2886431.6421956066 | 12952047.39261554 | 238151.85418 | 238151.85418 | 471970 | 471970 | 13662169.24679554 2970516.2 | 140084.68306 | 1541504.089839935 | 879398 | 4934112.777519999 | 2886431.6421956066 | 13352047.39261554 | 238151.85418 | 238151.85418 | 471970 | 471970 | 14062169.24679554 Obligations à terme Banques locales | 7456296 | 0 | 2037392.32386 | 623152 | 5034091.11166 | 2260374.18273 | 17411305.61825 | 1738551.7711500002 | 1738551.7711500002 | 0 | 0 | 19149857.3894 Banque à l'étranger | 0 | 0 | 0 | 0 | 429.41413 | 0 | 429.41413 | 3713.0963899999997 | 3713.0963899999997 | 0 | 0 | 4142.51052 Autres | 4200423 | 939642.21263 | 230228.060643122 | 83835 | 703471.46983 | 614209.212395713 | 6771808.955498834 | 314208.01317 | 314208.01317 | 78501 | 78501 | 7164517.968668834 11656719 | 939642.21263 | 2267620.384503122 | 706987 | 5737991.99562 | 2874583.395125713 | 24183543.987878833 | 2056472.8807100002 | 2056472.8807100002 | 78501 | 78501 | 26318517.868588835 Autres passifs | 1016434 | 20720.91663 | 237937.39014655672 | 660386 | 2764988.6704599997 | 1215810.4429473171 | 5916277.420183873 | 190886.39661999998 | 190886.39661999998 | 0 | 0 | 6107163.816803873 77075020.7 | 4600873.56209 | 25935297.27859003 | 22783644 | 89552960.94079225 | 109774307.73233742 | 329722104.21380967 | 6860664.778539999 | 6860664.778539999 | 3505791 | 3505791 | 340088559.9923497 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 727062.76157 | 810000 | 3000000 | 6323450 | 14025512.76157 | 300000 | 300000 | 103837 | 103837 | 14429349.76157 Réserves | 1148549 | 126300.688 | 222839.40772999998 | 364408 | 1465069.6438699998 | 2083872.4036499998 | 5411039.14325 | 395392.36360000004 | 395392.36360000004 | 59288 | 59288 | 5865719.50685 Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000 Surplus d'apport | 0 | 174325 | 1162451.9122300001 | 1384 | 0 | 0 | 1338160.9122300001 | 0 | 0 | 0 | 0 | 1338160.9122300001 BNR | 3798795 | -772352.56078 | 815579.80244 | 2239966 | 3625699.3197100074 | 2774575.35756 | 12482262.918930007 | 181881.22316999998 | 181881.22316999998 | 277272 | 277272 | 12941416.142100006 8175344 | -306726.8727800001 | 2927933.88397 | 3415758 | 8090768.963580007 | 11181897.76121 | 33484975.73598001 | 877273.58677 | 877273.58677 | 440397 | 440397 | 34802646.32275 85250364.7 | 4294146.68931 | 28863231.16256003 | 26199402 | 97643729.90437226 | 120956205.49354741 | 363207079.9497898 | 7737938.365309999 | 7737938.365309999 | 3946188 | 3946188 | 374891206.3150997 Hors-bilan Effets à l'encaissement | 820292.2 | 0 | 0 | 0 | 19878.62198 | 2809.6125314 | 842980.4345114001 | 0 | 0 | 0 | 0 | 842980.4345114001 Crédit documentaire | 0 | 0 | 0 | 0 | 1163260.8931000002 | 1009052.0499766741 | 2172312.9430766744 | 0 | 0 | 0 | 0 | 2172312.9430766744 Autres | 3804475.364544665 | 228705.636893397 | 1429968.6171458 | 244796 | 7004151.97447 | 1199427.898695145 | 13911525.491749007 | 391390.95843999996 | 391390.95843999996 | 614449.38489 | 614449.38489 | 14917365.835079007 Portefeuille brut | 24617832.35592 | 1079006.16982 | 12745795.158740086 | 8254331 | 30146159.48482 | 32150119.625540003 | 108993243.79484008 | 4325559.46284 | 4325559.46284 | 347901 | 347901 | 113666704.25768009 Provisions pour créances douteuses | 2044442 | 911072.11977 | 429287.24098998134 | 293592 | 1363679.32852 | 813356.5295 | 5855429.218779981 | 191459.92628 | 191459.92628 | 0 | 0 | 6046889.145059981 Portefeuille de crédit improductif | 3214044 | 883299.525738375 | 141882.83373491102 | 62855 | 733259 | 236542.11956 | 5271882.479033286 | 467045.83762000006 | 467045.83762000006 | 0 | 0 | 5738928.316653286 Dépôts US convertis | 36013707 | 2368688.90766 | 21574269.326940157 | 23349153 | 76553000.91412212 | 111841687.02080046 | 271700506.16952276 | 5140174.9410500005 | 5140174.9410500005 | 3481039 | 3481039 | 280321720.11057276 Immobilisation /A | 0.2864998215830429 | -1.1252131129297782 | 0.34881443306882554 | 0.242088286113946 | 0.5571970738421915 | 0.25684306349168584 | 0.3558531461020711 | 0.8750374413942758 | 0.8750374413942758 | 0.6605608121762864 | 0.6605608121762864 | 0.372796082149905 Liquidité en % de l'actif | 0.5710968955734007 | 0.6927057592990535 | 0.45087091343130714 | 0.5573623016281058 | 0.48628188390367477 | 0.5163569607889933 | 0.5209587455695811 | 0.15770127419647692 | 0.15770127419647692 | 0.8280512737862463 | 0.8280512737862463 | 0.5166934572731063 Liquidité en % des dépôts | 0.7925304817687432 | 0.8497766716392852 | 0.5945473060134605 | 0.7110410138875572 | 0.6238170632553262 | 0.6075691475002784 | 0.6609695361972541 | 0.2789119739185316 | 0.2789119739185316 | 1.1056826333527334 | 1.1056826333527334 | 0.6597526078463747 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 59156578.657064416 | SOGEBK | 4050000 | UNIBK | 31336763.096040003 | UNIBK | 11181897.76121 SOGEBK | 43432376.929230005 | BNC | 0 | SOGEBK | 28782480.1563 | BNC | 8175344 BNC | 29436218.6 | UNIBK | 0 | BNC | 22573390.35592 | SOGEBK | 8090768.963580007 CAPITALBK | 14602559 | BPH | 0 | BUH | 12316507.917750105 | CAPITALBK | 3415758 BUH | 13013591.398841823 | BUH | 0 | CAPITALBK | 7960739 | BUH | 2927933.88397 CBNA | 3267646 | CAPITALBK | 0 | SOGEBL | 4134099.53656 | SOGEBL | 877273.58677 BPH | 1572580.1429599999 | CBNA | 0 | CBNA | 347901 | CBNA | 440397 SOGEBL | 1220282.7398899999 | SOGEBL | 0 | BPH | 167934.05005000002 | BPH | -306726.8727800001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 20 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6705846 | 510099.43383 | 1038674.7178146841 | 1324531 | 3854821.6278999997 | 3990220.168851373 | 17424192.948396057 | 70011.04815 | 70011.04815 | 80538 | 80538 | 17574741.996546056 Avoirs à la BRH | 25821495 | 1537694.2832900002 | 14244940.292223778 | 12832022 | 48328263.235209994 | 66264967.339926034 | 169029382.15064982 | 1300007.31888 | 1300007.31888 | 3839642 | 3839642 | 174169031.4695298 Avoirs à l'étranger | 2499662 | 0 | 2242484.118473841 | 5916290 | 8790641.41773 | 14629545.453478722 | 34078622.98968256 | 0 | 0 | 461458 | 461458 | 34540080.98968256 Avoirs dans les banques locales | 0 | 0 | 56973.07296798201 | 10438 | 42416.175 | 0 | 109827.24796798201 | 96719.76277 | 96719.76277 | 0 | 0 | 206547.010737982 Autres liquidités | 252973 | 49092.88003 | 3834.378419367 | 252127 | 72629.68746 | 1807308.524862009 | 2437965.470771376 | 19663.24009 | 19663.24009 | 102936 | 102936 | 2560564.710861376 35279976 | 2096886.5971500003 | 17586906.57989965 | 20335408 | 61088772.14329999 | 86692041.48711814 | 223079990.8074678 | 1486401.3698899997 | 1486401.3698899997 | 4484574 | 4484574 | 229050966.1773578 Bons B.R.H. | 6250000 | 591000 | 0 | 0 | 1150000 | 700000 | 8691000 | 0 | 0 | 0 | 0 | 8691000 Bons du Trésor / M.E.F. | 11200000 | 1022000 | 0 | 0 | 0 | 3200000 | 15422000 | 0 | 0 | 0 | 0 | 15422000 Autres Placements | 15482053.7 | 0 | 1477428.5341915528 | 2949447 | 24585371.000829995 | 30113313.473820463 | 74607613.70884201 | 690861.21273 | 690861.21273 | 0 | 0 | 75298474.92157201 Portefeuille net | 23153999 | 521825.8038 | 15523372.238962563 | 10755330 | 34525290.91696001 | 39132509.671160005 | 123612327.63088259 | 5293255.7954400005 | 5293255.7954400005 | 491544 | 491544 | 129397127.4263226 Immobilisations | 2315853.82957 | 346100.119 | 1016837.3531599999 | 829430 | 2964273.2938 | 2796458.69355 | 10268953.28908 | 651716.62703 | 651716.62703 | 296412 | 296412 | 11217081.91611 Autres actifs | 2212320 | 1038265.9839999999 | 398276.1636587373 | 690115 | 5455522.977029999 | 2503831.596826054 | 12298331.721514791 | 1571018.1404 | 1571018.1404 | 21555 | 21555 | 13890904.861914791 95894202.52957 | 5616078.503950001 | 36002820.8698725 | 35559730 | 129769230.33191998 | 165138154.92247465 | 467980217.1577872 | 9693253.14549 | 9693253.14549 | 5294085 | 5294085 | 482967555.3032772 PASSIF Dépôts À vue | 36558392 | 2351493.80142 | 11570138.630378688 | 11912476 | 48802297.57313192 | 59379935.80913526 | 170574733.81406587 | 2569736.4527299996 | 2569736.4527299996 | 3221579 | 3221579 | 176366049.26679587 Épargne | 24277053 | 562387.44738 | 5415970.56163808 | 6668479 | 34874777.690899506 | 54597523.755666494 | 126396191.45558408 | 861817.0721199999 | 861817.0721199999 | 694955 | 694955 | 127952963.52770407 À terme | 13043465 | 1932603.0099799999 | 11959572.850028865 | 10764480 | 23988193.938111547 | 27078903.43809535 | 88767218.23621576 | 3129995.18319 | 3129995.18319 | 4256 | 4256 | 91901469.41940576 73878910 | 4846484.25878 | 28945682.04204563 | 29345435 | 107665269.20214297 | 141056363.0028971 | 385738143.50586575 | 6561548.708039999 | 6561548.708039999 | 3920790 | 3920790 | 396220482.2139057 Obligations à vue Banques locales | 0 | 0 | 300000 | 0 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2791197.5 | 149136.24042 | 1391485.8109881813 | 1155698 | 4603877.526079999 | 4160825.239728064 | 14252220.317216244 | 185009.17542 | 185009.17542 | 821434 | 821434 | 15258663.492636243 2791197.5 | 149136.24042 | 1691485.8109881813 | 1155698 | 4603877.526079999 | 4160825.239728064 | 14552220.317216244 | 185009.17542 | 185009.17542 | 821434 | 821434 | 15558663.492636243 Obligations à terme Banques locales | 5167473 | 0 | 2085749.62557 | 590349 | 5062614.20714 | 4109846.3398700003 | 17016032.17258 | 1718044.49071 | 1718044.49071 | 0 | 0 | 18734076.66329 Banque à l'étranger | 0 | 0 | 0 | 0 | 736.44127 | 0 | 736.44127 | 5665.665 | 5665.665 | 0 | 0 | 6402.10627 Autres | 4787717 | 929679.47653 | 173580.32458550198 | 130508 | 1243095.98073 | 1939963.159711875 | 9204543.941557378 | 352935.66617 | 352935.66617 | 105411 | 105411 | 9662890.607727377 9955190 | 929679.47653 | 2259329.9501555017 | 720857 | 6306446.62914 | 6049809.499581875 | 26221312.55540738 | 2076645.8218800002 | 2076645.8218800002 | 105411 | 105411 | 28403369.37728738 Autres passifs | 1047021 | 21695.65265 | 349577.696580012 | 1140518 | 3402257.8555199997 | 2072495.57448897 | 8033565.779238982 | 141499.95392 | 141499.95392 | 0 | 0 | 8175065.733158982 87672318.5 | 5946995.628379999 | 33246075.499769323 | 32362508 | 121977851.21288297 | 153339493.31669602 | 434545242.1577283 | 8964703.65926 | 8964703.65926 | 4847635 | 4847635 | 448357580.8169883 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 727340.26157 | 810000 | 3000000 | 6398450 | 14100790.26157 | 300000 | 300000 | 103837 | 103837 | 14504627.26157 Réserves | 1148548 | 126300.688 | 216699.57184 | 355156 | 958280.3455399999 | 2083232.24989 | 4888216.85527 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 5209110.1446 Réserves (Prov. Pour pertes sur prêts) | 1620018 | 0 | 0 | 0 | 0 | 0 | 1620018 | 0 | 0 | 0 | 0 | 1620018 Surplus d'apport | 0 | 104325 | 1164266.7538800002 | 1384 | 0 | 0 | 1269975.7538800002 | 0 | 0 | 0 | 0 | 1269975.7538800002 BNR | 2453318 | -726542.81244 | 648438.7829100001 | 2030682 | 3833098.7735599964 | 3316979.35932 | 11555974.103349997 | 166944.19687 | 166944.19687 | 283325 | 283325 | 12006243.300219996 8221884 | -330917.12444000004 | 2756745.3702000002 | 3197222 | 7791379.119099997 | 11798661.60921 | 33434974.974069998 | 728549.4861999999 | 728549.4861999999 | 446450 | 446450 | 34609974.460269995 95894202.5 | 5616078.503939998 | 36002820.86996932 | 35559730 | 129769230.33198297 | 165138154.925906 | 467980217.1317984 | 9693253.145459998 | 9693253.145459998 | 5294085 | 5294085 | 482967555.27725834 Hors-bilan Effets à l'encaissement | 1410058 | 0 | 0 | 0 | 11435.41373 | 234.099873905 | 1421727.513603905 | 0 | 0 | 0 | 0 | 1421727.513603905 Crédit documentaire | 211946 | 0 | 0 | 0 | 2114591.22562 | 1617003.477455793 | 3943540.703075793 | 0 | 0 | 0 | 0 | 3943540.703075793 Autres | 8293817 | 227969.70310999997 | 1789185.436472847 | 349138 | 9294164.66802 | 1424670.682867292 | 21378945.490470137 | 507411.65949999995 | 507411.65949999995 | 0 | 0 | 21886357.149970137 Portefeuille brut | 24894187 | 1437386.0583 | 16125823.487461168 | 11057646 | 36394769.769250005 | 40325295.26905 | 130235107.58406118 | 5525516.962850001 | 5525516.962850001 | 491544 | 491544 | 136252168.54691118 Provisions pour créances douteuses | 1740188 | 915560.2544999999 | 602451.2484986051 | 302316 | 1869478.85229 | 1192785.59789 | 6622779.953178605 | 232261.16741 | 232261.16741 | 0 | 0 | 6855041.120588605 Portefeuille de crédit improductif | 6998938 | 1190105.2352672191 | 400065.55342508695 | 149937 | 1210055 | 403256.72712 | 10352357.515812308 | 532988 | 532988 | 0 | 0 | 10885345.515812308 Dépôts US convertis | 23541423.5 | 1804778.8648800002 | 13351901.36486042 | 13861977 | 48146411.06139225 | 65796994.96058878 | 166503486.75172144 | 3187927.4847999997 | 3187927.4847999997 | 2110639 | 2110639 | 171802053.23652145 Immobilisation /A | 0.28166948470326264 | -1.0458815619943924 | 0.3688542888842247 | 0.2594220857982336 | 0.38045553277381927 | 0.23701490780675435 | 0.3071320764272722 | 0.894539958334542 | 0.894539958334542 | 0.663931011311457 | 0.663931011311457 | 0.3240996877644762 Liquidité en % de l'actif | 0.5498765786569856 | 0.660583108754747 | 0.48848690616397056 | 0.5718662093328605 | 0.4796111681028504 | 0.5485833454397456 | 0.5282124793837655 | 0.15334391329515426 | 0.15334391329515426 | 0.8470914237304463 | 0.8470914237304463 | 0.524184209472176 Liquidité en % des dépôts | 0.71373516474458 | 0.7654799642501854 | 0.6075830776539809 | 0.6929666573352892 | 0.5780765942863698 | 0.6422400206452048 | 0.6408310792414773 | 0.22653209417902848 | 0.22653209417902848 | 1.1437934701935069 | 1.1437934701935069 | 0.638947196174183 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 86692041.48711814 | BNC | 6250000 | UNIBK | 39132509.671160005 | UNIBK | 11798661.60921 SOGEBK | 61088772.14329999 | SOGEBK | 1150000 | SOGEBK | 34525290.91696001 | BNC | 8221884 BNC | 35279976 | UNIBK | 700000 | BNC | 23153999 | SOGEBK | 7791379.119099997 CAPITALBK | 20335408 | BPH | 591000 | BUH | 15523372.238962563 | CAPITALBK | 3197222 BUH | 17586906.57989965 | BUH | 0 | CAPITALBK | 10755330 | BUH | 2756745.3702000002 CBNA | 4484574 | CAPITALBK | 0 | SOGEBL | 5293255.7954400005 | SOGEBL | 728549.4861999999 BPH | 2096886.5971500003 | CBNA | 0 | BPH | 521825.8038 | CBNA | 446450 SOGEBL | 1486401.3698899997 | SOGEBL | 0 | CBNA | 491544 | BPH | -330917.12444000004 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [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 | 0 | 0 | 1179975.7538800002 | 0 | 0 | 0 | 0 | 1179975.7538800002 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 | 6854055.451639997 | 11892434.4421 | 32742868.70275895 | 708078.53724 | 708078.53724 | 430326 | 430326 | 33881273.23999895 88238604.72872564 | 5048156.8595199995 | 29775081.216146696 | 29833705 | 114192738.02939928 | 145635805.799894 | 412724091.6336856 | 9022573.87958 | 9022573.87958 | 6142519 | 6142519 | 427889184.51326555 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 | 23541423.5 | 1804778.8648800002 | 13351901.36486042 | 13861977 | 48146411.06139225 | 65796994.96058878 | 166503486.75172144 | 3187927.4847999997 | 3187927.4847999997 | 2110639 | 2110639 | 171802053.23652145 Immobilisation /A | 0.27434149943282865 | -10.140969076363497 | 0.38149870218860293 | 0.2581748386427705 | 0.4497832352920864 | 0.2340239057814432 | 0.3145429089779843 | 0.8871930500515562 | 0.8871930500515562 | 0.6773329987033087 | 0.6773329987033087 | 0.33111841599670494 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 | 6854055.451639997 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 [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 | 23541423.5 | 1804778.8648800002 | 13351901.36486042 | 13861977 | 48146411.06139225 | 65796994.96058878 | 166503486.75172144 | 3187927.4847999997 | 3187927.4847999997 | 2110639 | 2110639 | 171802053.23652145 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 [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 1 2022 (Oct.-Déc. 21) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 590233.00398 | 5964.34397 | 422128.05991999997 | 469884 | 975012.43252 | 839566.0937000001 | 3302787.93409 | 106928.60608 | 106928.60608 | 9326 | 9326 | 3419042.54017 Intérêts sur Bons B.R.H. | 24419 | 0 | 0 | 1417 | 145529.50549999997 | 0 | 171365.50549999997 | 0 | 0 | 0 | 0 | 171365.50549999997 Autres | 538349 | 41971.35272 | 30906.28536 | 11992 | 83400.80274 | 225355.61137000003 | 931975.05219 | 10947.51756 | 10947.51756 | 329 | 329 | 943251.5697499999 1153001.00398 | 47935.696690000004 | 453034.34527999995 | 483293 | 1203942.74076 | 1064921.7050700001 | 4406128.49178 | 117876.12364 | 117876.12364 | 9655 | 9655 | 4533659.61542 Dépenses d'intérêt | 128371 | 10104.340619999999 | 123859.60638000001 | 100359 | 188834.94015 | 192016.9898 | 743545.8769500001 | 39285.05425 | 39285.05425 | 695 | 695 | 783525.9312000001 1024630.00398 | 37831.35607000001 | 329174.73889999994 | 382934 | 1015107.8006099999 | 872904.7152700002 | 3662582.61483 | 78591.06939 | 78591.06939 | 8960 | 8960 | 3750133.6842199997 AUTRES REVENUS Commissions | 189598 | 3273.6308 | 100420.25478 | 234086 | 446196.5897 | 395638.6395900001 | 1369213.1148700002 | 4873.622629999998 | 4873.622629999998 | 18353 | 18353 | 1392439.7375000003 Gains sur change | 70049 | -338.19317 | 110398.42405999989 | 173268 | 181652.97268 | 433545.59673 | 968575.8002999999 | 3147.7153200000002 | 3147.7153200000002 | 48811 | 48811 | 1020534.5156199998 Autres | 288365 | 371.40884 | 49457.89650999999 | 93180 | 107624.38160000002 | 363119.4917 | 902118.17865 | 6282.28881 | 6282.28881 | 11463 | 11463 | 919863.4674600001 548012 | 3306.84647 | 260276.57534999988 | 500534 | 735473.94398 | 1192303.7280200003 | 3239907.09382 | 14303.62676 | 14303.62676 | 78627 | 78627 | 3332837.72058 PRODUIT NET BANCAIRE | 1572642.00398 | 41138.202540000006 | 589451.3142499998 | 883468 | 1750581.7445899998 | 2065208.4432900003 | 6902489.70865 | 92894.69615 | 92894.69615 | 87587 | 87587 | 7082971.4048 Dotation à la provision pour créances douteuses | 270000 | 9000 | 128533.94244999999 | 21624 | 311635.48749 | 11980.207999999999 | 752773.6379399999 | -17835.72902 | -17835.72902 | 0 | 0 | 734937.90892 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1302642.00398 | 32138.202540000006 | 460917.37179999985 | 861844 | 1438946.2570999998 | 2053228.2352900002 | 6149716.070710001 | 110730.42517 | 110730.42517 | 87587 | 87587 | 6348033.495879999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 559167 | 29390.706040000005 | 177431.53713 | 184811 | 462019.13408 | 682016.49696 | 2094835.87421 | 29432.390459999995 | 29432.390459999995 | 31077 | 31077 | 2155345.26467 Frais de locaux | 26582 | 6064.74165 | 60601.48412000001 | 71384 | 57350.60637999998 | 79189.24203 | 301172.07418 | 13632.85044 | 13632.85044 | 3903 | 3903 | 318707.92462 Amortissement | 39516 | 3095.60738 | 20015.33565 | 21445 | 88857.64888000001 | 126388.11855000001 | 299317.71046000003 | 4683.08713 | 4683.08713 | 5887 | 5887 | 309887.79759000003 Autres dépenses d'exploitation | 248139 | 14512.79448 | 169975.38253 | 212613 | 374295.89813999995 | 518361.31687 | 1537897.39202 | 22287.78549 | 22287.78549 | 39846.1043529 | 39846.1043529 | 1600031.2818629 873404 | 53063.84955 | 428023.73943 | 490253 | 982523.2874799999 | 1405955.17441 | 4233223.05087 | 70036.11352 | 70036.11352 | 80713.1043529 | 80713.1043529 | 4383972.2687429 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 429238.00398000004 | -20925.647009999993 | 32893.63236999983 | 371591 | 456422.9696199999 | 647273.0608800002 | 1916493.0198400002 | 40694.31165 | 40694.31165 | 6873.895647099998 | 6873.895647099998 | 1964061.227137099 Impôts sur le revenu | 0 | 0 | 9868.0897109996 | 55833 | 120000 | 41677.85208 | 227378.9417909996 | 10987.463983499994 | 10987.463983499994 | 2136 | 2136 | 240502.4057744996 BÉNÉFICE NET (PERTE NETTE) | 429238.00398000004 | -20925.647009999993 | 23025.54265900023 | 315758 | 336422.9696199999 | 605595.2088000003 | 1689114.0780490006 | 29706.84766650001 | 29706.84766650001 | 4737.895647099998 | 4737.895647099998 | 1723558.8213625995 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 1 2021 (Oct.-Déc. 20) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 517779.10191 | 9882.49438 | 385372.63887 | 358998 | 628842.1302300001 | 704532.95783 | 2605407.3232200006 | 118519.89206000001 | 118519.89206000001 | 14837 | 14837 | 2738764.2152800006 Intérêts sur Bons B.R.H. | 15446 | 2079.28703 | 0 | 2418 | 122504.14971999999 | 1014 | 143461.43675 | 0 | 0 | 0 | 0 | 143461.43675 Autres | 537689.6 | 39706.63294 | 66252.85307142 | 22886 | 53588.07488999999 | 216387.86788000003 | 936511.0287814201 | 2580.14903 | 2580.14903 | 185 | 185 | 939276.17781142 1070914.7019099998 | 51668.41435000001 | 451625.49194142 | 384302 | 804934.3548400002 | 921934.82571 | 3685379.7887514206 | 121100.04109000001 | 121100.04109000001 | 15022 | 15022 | 3821501.8298414205 Dépenses d'intérêt | 149200.9 | 19445.79643 | 101241.38868 | 90453 | 167151.26121 | 173158.96199 | 700651.30831 | 37643.587159999995 | 37643.587159999995 | 525 | 525 | 738819.89547 921713.8019099998 | 32222.617920000008 | 350384.10326142004 | 293849 | 637783.0936300001 | 748775.86372 | 2984728.4804414203 | 83456.45393000002 | 83456.45393000002 | 14497 | 14497 | 3082681.9343714206 AUTRES REVENUS Commissions | 181291 | 2729.09909 | 60585.13935000001 | 174262 | 356010.47283999994 | 292514.98728 | 1067392.69856 | 2813.62714 | 2813.62714 | 13283 | 13283 | 1083489.3257 Gains sur change | 102859 | 5080.524359999999 | 83927.00016 | 154685 | 224099.42096999998 | 613450.23433 | 1184101.17982 | 8182.473059999999 | 8182.473059999999 | 53879 | 53879 | 1246162.65288 Autres | 14699 | 1042.43881 | 41561.57994 | 101647 | 336838.96482720005 | 358034.99727000005 | 853823.9808472001 | 8398.43907 | 8398.43907 | 5065 | 5065 | 867287.4199172001 298849 | 8852.062259999999 | 186073.71945 | 430594 | 916948.8586372 | 1264000.21888 | 3105317.8592272 | 19394.53927 | 19394.53927 | 72227 | 72227 | 3196939.3984972 PRODUIT NET BANCAIRE | 1220562.80191 | 41074.68018000001 | 536457.82271142 | 724443 | 1554731.9522672002 | 2012776.0826 | 6090046.33966862 | 102850.99320000003 | 102850.99320000003 | 86724 | 86724 | 6279621.332868621 Dotation à la provision pour créances douteuses | 300000 | 12000 | 82072.62491244498 | 18932 | 52083.80394999999 | 39757.16 | 504845.588862445 | 3333.33334 | 3333.33334 | 0 | 0 | 508178.922202445 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 920562.8019099999 | 29074.68018000001 | 454385.19779897504 | 705511 | 1502648.1483172001 | 1973018.9226000002 | 5585200.750806175 | 99517.65986000003 | 99517.65986000003 | 86724 | 86724 | 5771442.410666176 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 449884.1 | 28836.302860000003 | 135595.80228 | 168095 | 410976.80285000004 | 518346.05737000005 | 1711734.0653600001 | 32070.255169999997 | 32070.255169999997 | 25943 | 25943 | 1769747.3205300001 Frais de locaux | 25493 | 4746.39218 | 59566.53534 | 52095 | 36632.25243 | 67076.21779 | 245609.39774 | 13286.73277 | 13286.73277 | 6077 | 6077 | 264973.13051 Amortissement | 38684 | 3750.66111 | 30866.0522 | 24464 | 70513.56282 | 123090.7911 | 291369.06723000004 | 4700.70154 | 4700.70154 | 5486 | 5486 | 301555.76877 Autres dépenses d'exploitation | 142338.07874 | 11913.14853 | 97268.79323000001 | 194817 | 381934.98673999996 | 459092.61318999995 | 1287364.62043 | 21564.08356 | 21564.08356 | 22544 | 22544 | 1331472.7039899998 656399.17874 | 49246.504680000005 | 323297.18305 | 439471 | 900057.6048399999 | 1167605.6794500002 | 3536077.1507599996 | 71621.77304 | 71621.77304 | 60050 | 60050 | 3667748.9238 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 264163.6231699999 | -20171.824499999995 | 131088.01474897505 | 266040 | 602590.5434772002 | 805413.24315 | 2049123.6000461755 | 27895.88682000003 | 27895.88682000003 | 26674 | 26674 | 2103693.486866176 Impôts sur le revenu | 0 | 0 | 39326.4044246925 | 35746 | 79000 | 121146.99755 | 275219.4019746925 | 7531.88944 | 7531.88944 | 8285 | 8285 | 291036.2914146925 BÉNÉFICE NET (PERTE NETTE) | 264163.6231699999 | -20171.824499999995 | 91761.61032428255 | 230294 | 523590.5434772002 | 684266.2456 | 1773904.198071483 | 20363.99738000003 | 20363.99738000003 | 18389 | 18389 | 1812657.1954514836 Commissions / salaires | 0.3390722270806396 | 0.11138319697201801 | 0.5659662109922678 | 1.2666237399289004 | 0.9657534867868476 | 0.5801012751942335 | 0.653613551174435 | 0.16558704725745876 | 0.16558704725745876 | 0.5905653698876983 | 0.5905653698876983 | 0.6460402239606812 marge nette en % revenus d'intérêts | 0.8886635835034999 | 0.7892105191389053 | 0.7265999638428119 | 0.7923433610666821 | 0.8431528894548621 | 0.8196891011932392 | 0.8312473459779608 | 0.6667259404459324 | 0.6667259404459324 | 0.928016571724495 | 0.928016571724495 | 0.8271758363739855 frais d'exploitation en % produit net bancaire | 0.5553736945786852 | 1.2898922722353827 | 0.7261392571065934 | 0.5549187972852441 | 0.5612553029964988 | 0.6807812446138509 | 0.6132892955370941 | 0.7539301641819299 | 0.7539301641819299 | 0.9215192249180815 | 0.9215192249180815 | 0.6189453575616531 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net SOGEBK | 1203942.74076 | CBNA | 0.928016571724495 | UNIBK | 1192303.7280200003 | BUH | 0.7261392571065934 | UNIBK | 1405955.17441 | BUH | 23025.54265900023 BNC | 1153001.00398 | BNC | 0.8886635835034999 | BUH | 260276.57534999988 | CAPITALBK | 0.5549187972852441 | SOGEBK | 982523.2874799999 | UNIBK | 605595.2088000003 UNIBK | 1064921.7050700001 | SOGEBK | 0.8431528894548621 | SOGEBK | 735473.94398 | BNC | 0.5553736945786852 | BNC | 873404 | BNC | 429238.00398000004 CAPITALBK | 483293 | UNIBK | 0.8196891011932392 | BNC | 548012 | SOGEBK | 0.5612553029964988 | CAPITALBK | 490253 | SOGEBK | 336422.9696199999 BUH | 453034.34527999995 | CAPITALBK | 0.7923433610666821 | CAPITALBK | 500534 | UNIBK | 0.6807812446138509 | BUH | 428023.73943 | CAPITALBK | 315758 SOGEBL | 117876.12364 | BPH | 0.7892105191389053 | CBNA | 78627 | SOGEBL | 0.7539301641819299 | CBNA | 80713.1043529 | SOGEBL | 29706.84766650001 BPH | 47935.696690000004 | BUH | 0.7265999638428119 | SOGEBL | 14303.62676 | CBNA | 0.9215192249180815 | SOGEBL | 70036.11352 | CBNA | 4737.895647099998 CBNA | 9655 | SOGEBL | 0.6667259404459324 | BPH | 3306.84647 | BPH | 1.2898922722353827 | BPH | 53063.84955 | BPH | -20925.647009999993 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 2022 (Octobre - Décembre 21) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 590233.00398 | 5964.34397 | 422128.05991999997 | 469884 | 975012.43252 | 839566.0937000001 | 3302787.93409 | 106928.60608 | 106928.60608 | 9326 | 9326 | 3419042.54017 Intérêts sur Bons B.R.H. | 24419 | 0 | 0 | 1417 | 145529.50549999997 | 0 | 171365.50549999997 | 0 | 0 | 0 | 0 | 171365.50549999997 Autres | 538349 | 41971.35272 | 30906.28536 | 11992 | 83400.80274 | 225355.61137000003 | 931975.05219 | 10947.51756 | 10947.51756 | 329 | 329 | 943251.5697499999 1153001.00398 | 47935.696690000004 | 453034.34527999995 | 483293 | 1203942.74076 | 1064921.7050700001 | 4406128.49178 | 117876.12364 | 117876.12364 | 9655 | 9655 | 4533659.61542 Dépenses d'intérêt | 128371 | 10104.340619999999 | 123859.60638000001 | 100359 | 188834.94015 | 192016.9898 | 743545.8769500001 | 39285.05425 | 39285.05425 | 695 | 695 | 783525.9312000001 1024630.00398 | 37831.35607000001 | 329174.73889999994 | 382934 | 1015107.8006099999 | 872904.7152700002 | 3662582.61483 | 78591.06939 | 78591.06939 | 8960 | 8960 | 3750133.6842199997 AUTRES REVENUS Commissions | 189598 | 3273.6308 | 100420.25478 | 234086 | 446196.5897 | 395638.6395900001 | 1369213.1148700002 | 4873.622629999998 | 4873.622629999998 | 18353 | 18353 | 1392439.7375000003 Gains sur change | 70049 | -338.19317 | 110398.42405999989 | 173268 | 181652.97268 | 433545.59673 | 968575.8002999999 | 3147.7153200000002 | 3147.7153200000002 | 48811 | 48811 | 1020534.5156199998 Autres | 288365 | 371.40884 | 49457.89650999999 | 93180 | 107624.38160000002 | 363119.4917 | 902118.17865 | 6282.28881 | 6282.28881 | 11463 | 11463 | 919863.4674600001 548012 | 3306.84647 | 260276.57534999988 | 500534 | 735473.94398 | 1192303.7280200003 | 3239907.09382 | 14303.62676 | 14303.62676 | 78627 | 78627 | 3332837.72058 PRODUIT NET BANCAIRE | 1572642.00398 | 41138.202540000006 | 589451.3142499998 | 883468 | 1750581.7445899998 | 2065208.4432900003 | 6902489.70865 | 92894.69615 | 92894.69615 | 87587 | 87587 | 7082971.4048 Dotation à la provision pour créances douteuses | 270000 | 9000 | 128533.94244999999 | 21624 | 311635.48749 | 11980.207999999999 | 752773.6379399999 | -17835.72902 | -17835.72902 | 0 | 0 | 734937.90892 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1302642.00398 | 32138.202540000006 | 460917.37179999985 | 861844 | 1438946.2570999998 | 2053228.2352900002 | 6149716.070710001 | 110730.42517 | 110730.42517 | 87587 | 87587 | 6348033.495879999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 559167 | 29390.706040000005 | 177431.53713 | 184811 | 462019.13408 | 682016.49696 | 2094835.87421 | 29432.390459999995 | 29432.390459999995 | 31077 | 31077 | 2155345.26467 Frais de locaux | 26582 | 6064.74165 | 60601.48412000001 | 71384 | 57350.60637999998 | 79189.24203 | 301172.07418 | 13632.85044 | 13632.85044 | 3903 | 3903 | 318707.92462 Amortissement | 39516 | 3095.60738 | 20015.33565 | 21445 | 88857.64888000001 | 126388.11855000001 | 299317.71046000003 | 4683.08713 | 4683.08713 | 5887 | 5887 | 309887.79759000003 Autres dépenses d'exploitation | 248139 | 14512.79448 | 169975.38253 | 212613 | 374295.89813999995 | 518361.31687 | 1537897.39202 | 22287.78549 | 22287.78549 | 39846.1043529 | 39846.1043529 | 1600031.2818629 873404 | 53063.84955 | 428023.73943 | 490253 | 982523.2874799999 | 1405955.17441 | 4233223.05087 | 70036.11352 | 70036.11352 | 80713.1043529 | 80713.1043529 | 4383972.2687429 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 429238.00398000004 | -20925.647009999993 | 32893.63236999983 | 371591 | 456422.9696199999 | 647273.0608800002 | 1916493.0198400002 | 40694.31165 | 40694.31165 | 6873.895647099998 | 6873.895647099998 | 1964061.227137099 Impôts sur le revenu | 0 | 0 | 9868.0897109996 | 55833 | 120000 | 41677.85208 | 227378.9417909996 | 10987.463983499994 | 10987.463983499994 | 2136 | 2136 | 240502.4057744996 BÉNÉFICE NET (PERTE NETTE) | 429238.00398000004 | -20925.647009999993 | 23025.54265900023 | 315758 | 336422.9696199999 | 605595.2088000003 | 1689114.0780490006 | 29706.84766650001 | 29706.84766650001 | 4737.895647099998 | 4737.895647099998 | 1723558.8213625995 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2021 (Octobre -Décembre 20) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 517779.10191 | 9882.49438 | 385372.63887 | 358998 | 628842.1302300001 | 704532.95783 | 2605407.3232200006 | 118519.89206000001 | 118519.89206000001 | 14837 | 14837 | 2738764.2152800006 Intérêts sur Bons B.R.H. | 15446 | 2079.28703 | 0 | 2418 | 122504.14971999999 | 1014 | 143461.43675 | 0 | 0 | 0 | 0 | 143461.43675 Autres | 537689.6 | 39706.63294 | 66252.85307142 | 22886 | 53588.07488999999 | 216387.86788000003 | 936511.0287814201 | 2580.14903 | 2580.14903 | 185 | 185 | 939276.17781142 1070914.7019099998 | 51668.41435000001 | 451625.49194142 | 384302 | 804934.3548400002 | 921934.82571 | 3685379.7887514206 | 121100.04109000001 | 121100.04109000001 | 15022 | 15022 | 3821501.8298414205 Dépenses d'intérêt | 149200.9 | 19445.79643 | 101241.38868 | 90453 | 167151.26121 | 173158.96199 | 700651.30831 | 37643.587159999995 | 37643.587159999995 | 525 | 525 | 738819.89547 921713.8019099998 | 32222.617920000008 | 350384.10326142004 | 293849 | 637783.0936300001 | 748775.86372 | 2984728.4804414203 | 83456.45393000002 | 83456.45393000002 | 14497 | 14497 | 3082681.9343714206 AUTRES REVENUS Commissions | 181291 | 2729.09909 | 60585.13935000001 | 174262 | 356010.47283999994 | 292514.98728 | 1067392.69856 | 2813.62714 | 2813.62714 | 13283 | 13283 | 1083489.3257 Gains sur change | 102859 | 5080.524359999999 | 83927.00016 | 154685 | 224099.42096999998 | 613450.23433 | 1184101.17982 | 8182.473059999999 | 8182.473059999999 | 53879 | 53879 | 1246162.65288 Autres | 14699 | 1042.43881 | 41561.57994 | 101647 | 336838.96482720005 | 358034.99727000005 | 853823.9808472001 | 8398.43907 | 8398.43907 | 5065 | 5065 | 867287.4199172001 298849 | 8852.062259999999 | 186073.71945 | 430594 | 916948.8586372 | 1264000.21888 | 3105317.8592272 | 19394.53927 | 19394.53927 | 72227 | 72227 | 3196939.3984972 PRODUIT NET BANCAIRE | 1220562.80191 | 41074.68018000001 | 536457.82271142 | 724443 | 1554731.9522672002 | 2012776.0826 | 6090046.33966862 | 102850.99320000003 | 102850.99320000003 | 86724 | 86724 | 6279621.332868621 Dotation à la provision pour créances douteuses | 300000 | 12000 | 82072.62491244498 | 18932 | 52083.80394999999 | 39757.16 | 504845.588862445 | 3333.33334 | 3333.33334 | 0 | 0 | 508178.922202445 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 920562.8019099999 | 29074.68018000001 | 454385.19779897504 | 705511 | 1502648.1483172001 | 1973018.9226000002 | 5585200.750806175 | 99517.65986000003 | 99517.65986000003 | 86724 | 86724 | 5771442.410666176 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 449884.1 | 28836.302860000003 | 135595.80228 | 168095 | 410976.80285000004 | 518346.05737000005 | 1711734.0653600001 | 32070.255169999997 | 32070.255169999997 | 25943 | 25943 | 1769747.3205300001 Frais de locaux | 25493 | 4746.39218 | 59566.53534 | 52095 | 36632.25243 | 67076.21779 | 245609.39774 | 13286.73277 | 13286.73277 | 6077 | 6077 | 264973.13051 Amortissement | 38684 | 3750.66111 | 30866.0522 | 24464 | 70513.56282 | 123090.7911 | 291369.06723000004 | 4700.70154 | 4700.70154 | 5486 | 5486 | 301555.76877 Autres dépenses d'exploitation | 142338.07874 | 11913.14853 | 97268.79323000001 | 194817 | 381934.98673999996 | 459092.61318999995 | 1287364.62043 | 21564.08356 | 21564.08356 | 22544 | 22544 | 1331472.7039899998 656399.17874 | 49246.504680000005 | 323297.18305 | 439471 | 900057.6048399999 | 1167605.6794500002 | 3536077.1507599996 | 71621.77304 | 71621.77304 | 60050 | 60050 | 3667748.9238 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 264163.6231699999 | -20171.824499999995 | 131088.01474897505 | 266040 | 602590.5434772002 | 805413.24315 | 2049123.6000461755 | 27895.88682000003 | 27895.88682000003 | 26674 | 26674 | 2103693.486866176 Impôts sur le revenu | 0 | 0 | 39326.4044246925 | 35746 | 79000 | 121146.99755 | 275219.4019746925 | 7531.88944 | 7531.88944 | 8285 | 8285 | 291036.2914146925 BÉNÉFICE NET (PERTE NETTE) | 264163.6231699999 | -20171.824499999995 | 91761.61032428255 | 230294 | 523590.5434772002 | 684266.2456 | 1773904.198071483 | 20363.99738000003 | 20363.99738000003 | 18389 | 18389 | 1812657.1954514836 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 108859455 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05154834410493164 | 103523015 | 0.21434102271599692 | 85250364.6533 | 0.046120395183805105 | 81491924.87383 | 0.20593534220412657 | 67575699.97483 Bons B.R.H. | 800000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.2 | 1000000 | 0 | 0 | -1 | 1000000 | -0.8906506287588847 | 9145000 Prêts nets | 24192121 | 0 | 0 | 0 | 0 | 0 | 0 | -0.001406081890318265 | 24226185 | 0.07321871539985783 | 22573390.35592 | 0.06277374111676708 | 21240071.6 | 0.3302674404738643 | 15966768 Dépôts | 82488908 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0564763974746076 | 78079272 | 0.2710003946437675 | 61431351.5 | -0.010110508506066363 | 62058797.5 | 0.1692237667667271 | 53076921 Avoir des Actionnaires | 9131542 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04932463862443785 | 8702304 | 0.06445722650936768 | 8175344 | 0.11131662995715223 | 7356448.9 | 0.16238502871181285 | 6328754 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 1024630.00398 | 0.11165743841172232 | 921713.8019099998 | 0 | 0 | 907206.50301 | 0 | 0 | 973819.0017900001 | 0 | 0 | 818384.00192 | 1024630.00398 | 0.11165743841172232 | 921713.8019099998 Autres revenus | 548012 | 0.8337421239488839 | 298849 | 0 | 0 | 215402 | 0 | 0 | 223944 | 0 | 0 | 235052 | 548012 | 0.8337421239488839 | 298849 Dot. à la prov. pr créances douteuses | 270000 | -0.1 | 300000 | 0 | 0 | 125000 | 0 | 0 | 0 | 0 | 0 | 20000 | 270000 | -0.1 | 300000 Dépenses d'exploitation | 873404 | 0.3305988616203856 | 656399.17874 | 0 | 0 | 684718 | 0 | 0 | 748136 | 0 | 0 | 851517 | 873404 | 0.3305988616203856 | 656399.17874 Bénéfice (perte) net | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 0 | 0 | 312890.5030100001 | 0 | 0 | 449627.0017900001 | 0 | 0 | 181919.00191999995 | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.08388377472586098 | 0.10021943806839335 | 0 | 0.0948315766302183 | 0 | 0.08385763903025426 | 0 | 0.08406153935914637 | 0.08388377472586098 | 0.10021943806839335 | 0.08406153935914637 | 0.0958980531432077 | 0.09027212096645935 | 0.0936542870049038 Dépôts en % de l'actif | 0.7577560258775868 | 0.7587832493819064 | 0 | 0.7629197197773505 | 0 | 0.733417729685035 | 0 | 0.7542213873890747 | 0.7577560258775868 | 0.7587832493819064 | 0.7542213873890747 | 0.7205992813031565 | 0.7615330917275869 | 0.7854438950653804 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.20211804927361274 | 0.15526848798309698 | 0 | 0.242369143598233 | 0 | 0.16466045645604196 | 0 | 0.16976937609801523 | 0.20211804927361274 | 0.15526848798309698 | 0.16976937609801523 | 0.13055755492733703 | 0.2411278826739176 | 0.04082914348332135 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.6122969985606395 | 0.7061028443372843 | 0 | 0.4654249779586107 | 0 | 0.674006422714821 | 0 | 0.6749281125897745 | 0.6122969985606395 | 0.7061028443372843 | 0.6749281125897745 | 0.6360964566757642 | 0.19347274672846038 | 0.799508241481033 Prêts improductifs nets en % de l'avoir des actionnaires | 0.23692405948524356 | 0.11872290200768788 | 0 | 0.34250034276312785 | 0 | 0.1822467345746914 | 0 | 0.17351669167153894 | 0.23692405948524356 | 0.11872290200768788 | 0.17351669167153894 | 0.14306456095303147 | 0.5889828175113131 | 0.021349068078803504 Rentabilité ROA (rendement de l'actif) | 0.01616849089211553 | 0.012470793637631103 | 0 | 0.014181647999382863 | 0 | 0.01854313454212857 | 0 | 0.007092017454618105 | 0.01616849089211553 | 0.012470793637631103 | 0.012804772919886341 | 0.017398664580816927 | 0.018573534464179725 | 0.020720351733213273 ROE ( rendement avoir des action.) | 0.19254983091364591 | 0.1271939622553386 | 0 | 0.14559895728159106 | 0 | 0.20816522668438317 | 0 | 0.08446849810592559 | 0.19254983091364591 | 0.1271939622553386 | 0.14321902315891402 | 0.18678417782147982 | 0.20231433087630732 | 0.2334540945330806 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8886635835034999 | 0.860679006709034 | 0 | 0.8678308453664403 | 0 | 0.9145257247864683 | 0 | 0.8518941068722917 | 0.8886635835034999 | 0.860679006709034 | 0.8742902521344234 | 0.8426242348035025 | 0.8222549367124287 | 0.8701934855721045 Rendement moyen des prêts | 0.08589862098799866 | 0.08893715156774118 | 0 | 0.09939242317187073 | 0 | 0.08474643072798307 | 0 | 0.0595073358709039 | 0.08589862098799866 | 0.08893715156774118 | 0.0788273284435848 | 0.09596795073503067 | 0.08670811586837883 | 0.09653255555046658 Rendement moyen des prêts productifs | 0.10552870884454604 | 0.10368138598454345 | 0 | 0.12423403445771236 | 0 | 0.10582423467139783 | 0 | 0.07144962549061415 | 0.10552870884454604 | 0.10368138598454345 | 0.09286895347513731 | 0.11747621163588289 | 0.10272105950728723 | 0.10065245187677198 Rémunération moyenne des dépôts | 0.006395837581269216 | 0.009523812489152763 | 0 | 0.008229653440449092 | 0 | 0.0050218503472347345 | 0 | 0.007456133150984377 | 0.006395837581269216 | 0.009523812489152763 | 0.007464132650801321 | 0.012282762603193555 | 0.012096653394315681 | 0.007959520027080298 Dépenses d'exploitation en % du produit net bancaire | 0.5553736945786852 | 0.537784026936453 | 0 | 0.6099348064477476 | 0 | 0.6246110448243485 | 0 | 0.8083234277621223 | 0.5553736945786852 | 0.537784026936453 | 0.6400812257592949 | 0.5068533381221949 | 0.5972598218834595 | 0.5967340321275334 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8116.861956025807 | 5826.075426778043 | 0 | 5423.229483140097 | 0 | 5864.200743157895 | 0 | 5277.074524333124 | 8116.861956025807 | 5826.075426778043 | 5654.609610621538 | 6294.964816176287 | 5332.309882864483 | 4618.834684965689 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 3527056 | 0 | 0 | 0 | 0 | 0 | 0 | -0.2865731641282465 | 4943823 | 0.16348325091306345 | 4249157 | -0.6351830731200387 | 11647368 | 0.33814454261764376 | 8704118 Avoirs à la BRH | 35766230 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11856237730912327 | 31975177 | 0.3722471870644091 | 23301324.5 | 0.32504281834348697 | 17585337 | 0.0849201335786557 | 16208877 Avoirs à l'étranger | 2660092 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5354738169093208 | 5726463 | 2.6639233184809066 | 1562932 | -0.3286406465783715 | 2328011.06 | 3.4480661321879493 | 523376 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 538450 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6504872224793632 | 326237 | 0.010631492501202811 | 322805.1 | 1.2212129365030762 | 145328.3 | -0.3054368969159375 | 209237 42491828 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01116716350528371 | 42971700 | 0.4598240549823882 | 29436218.6 | -0.07158968599891273 | 31706044.36 | 0.23631478575200868 | 25645608 Bons B.R.H. | 800000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.2 | 1000000 | 0 | 0 | 0 | 1000000 | -0.8906506287588847 | 9145000 Bons du Trésor / M.E.F. | 20600000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13812154696132597 | 18100000 | -0.05974025974025974 | 19250000 | 1.4367088607594938 | 7900000 | 0.85533114138093 | 4258000 Autres Placements | 15302454 | 0 | 0 | 0 | 0 | 0 | 0 | 0.27445267912370697 | 12007079 | 0.2674044107388846 | 9473755.099999998 | -0.36543955709456505 | 14929633.900000002 | 0.7192880637025094 | 8683614 Portefeuille net | 24192121 | 0 | 0 | 0 | 0 | 0 | 0 | -0.001406081890318265 | 24226185 | 0.07321871539985783 | 22573390.35592 | 0.06277374111676708 | 21240071.6 | 0.3302674404738643 | 15966768 Immobilisations | 2959550 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07359292597829707 | 2756678 | 0.17694359185181194 | 2342234.59738 | 0.08320394453898708 | 2162320.96383 | 0.06163594854597922 | 2036781.97483 Autres actifs | 2513502 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021178829864469954 | 2461373 | 0.1317875118518498 | 2174766 | -0.1484376329179813 | 2553854.05 | 0.38801847137496676 | 1839928 108859455 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05154834410493164 | 103523015 | 0.21434102271599692 | 85250364.6533 | 0.046120395183805105 | 81491924.87383 | 0.20593534220412657 | 67575699.97483 PASSIF Dépôts À vue | 41016533 | 0 | 0 | 0 | 0 | 0 | 0 | 0.059560770029451406 | 38710883 | 0.26396948283701815 | 30626438 | -0.010953071434270148 | 30965606.5 | 0.08565678266786488 | 28522464 Épargne | 30548090 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07270297810095332 | 28477678 | 0.3670893355792935 | 20830883 | 0.017728688062133246 | 20468012 | 0.24824200024503779 | 16397471 À terme | 10924285 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0030828106631421953 | 10890711 | 0.09190672717513747 | 9974030.5 | -0.061283532258609476 | 10625179 | 0.30258639649497987 | 8156986 82488908 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0564763974746076 | 78079272 | 0.2710003946437675 | 61431351.5 | -0.010110508506066363 | 62058797.5 | 0.1692237667667271 | 53076921 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 | 2834674 | 0 | 0 | 0 | 0 | 0 | 0 | -0.039052515463372336 | 2949874 | -0.006949027916427517 | 2970516.2 | 0.1518832783670273 | 2578834.38 | 0.7289418786136468 | 1491568 2834674 | 0 | 0 | 0 | 0 | 0 | 0 | -0.039052515463372336 | 2949874 | -0.006949027916427517 | 2970516.2 | 0.1518832783670273 | 2578834.38 | 0.7289418786136468 | 1491568 Obligations à terme Banques locales | 7289925 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02023892707397998 | 7440513 | -0.002116734636071315 | 7456296 | 0.7050355319780943 | 4373103 | 0.9919381470628829 | 2195401 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5882939 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12030459346785 | 5251196 | 0.2501588530488477 | 4200423 | 0.04185817408975263 | 4031664.87 | 0.17072312100307258 | 3443739 13172864 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03791097006715171 | 12691709 | 0.08878913526181767 | 11656719 | 0.3869174235742454 | 8404767.870000001 | 0.4904343339587244 | 5639140 Autres passifs | 1231467 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11966202848372878 | 1099856 | 0.08207320888518094 | 1016434 | -0.0701160802857828 | 1093076.22 | 0.05172552743773071 | 1039317 99727913 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05175242780029354 | 94820711 | 0.23023918954328607 | 77075020.7 | 0.039650986137723505 | 74135475.97 | 0.21043547167233448 | 61246946 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 2106357 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2106357 | 0.833928722239974 | 1148549 | 0.19733813429630587 | 959252 | 0.32863700203052154 | 721982 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 228000 | 0.4250008906255567 | 159999.9 | -0.17525824742268045 | 194000 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 4025185 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11936716531139085 | 3595947 | -0.05339798541379569 | 3798795 | 0.17348280008908942 | 3237197 | 0.34169204549787546 | 2412772 9131542 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04932463862443785 | 8702304 | 0.06445722650936768 | 8175344 | 0.11131662995715223 | 7356448.9 | 0.16238502871181285 | 6328754 108859455 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05154834410493164 | 103523015 | 0.21434102205078304 | 85250364.7 | 0.04612039580603415 | 81491924.87 | 0.20593534169827327 | 67575700 Hors-bilan Effets à l'encaissement | 1242730 | 0 | 0 | 0 | 1211933 | 820292.2 | 1146373 | 815323 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 355824 | 244921 Autres | 4628093 | 0 | 0 | 0 | 4577443 | 3804475.364544665 | 7735704.5 | 10588763 Portefeuille brut | 27608895 | 0 | 0 | 0 | 0 | 0 | 0 | 0.009049058010801461 | 27361301 | 0.11144233190052834 | 24617832.35592 | 0.10495716369595375 | 22279445 | 0.3498143020023007 | 16505563 Provisions pour créances douteuses | 3416774 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08983973798736633 | 3135116 | 0.5334824856855808 | 2044442 | 0.9669947297092651 | 1039373.4 | 0.929070240072755 | 538795 Portefeuille de crédit improductif | 5580256 | 0 | 0 | 0 | 0 | 0 | 0 | 0.20131811704822555 | 4645111 | 0.4452543275698777 | 3214044 | -0.40172615463689204 | 5372195.4 | 6.971704446304244 | 673908 [bnccomp ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 3527056 | 0.032400088719900355 | 0 | 0 | 0 | 0 | 0 | 0 | 4943823 | 0.047755786478977644 | 4249157 | 0.04984327066846766 | 11647368 | 0.14292665215643213 | 8704118 | 0.12880544342481148 Avoirs à la BRH | 35766230 | 0.3285541894362782 | 0 | 0 | 0 | 0 | 0 | 0 | 31975177 | 0.3088702256208438 | 23301324.5 | 0.2733281504983922 | 17585337 | 0.21579238712579835 | 16208877 | 0.23986250983766855 Avoirs à l'étranger | 2660092 | 0.0244360216574665 | 0 | 0 | 0 | 0 | 0 | 0 | 5726463 | 0.055315844500858094 | 1562932 | 0.018333434775982507 | 2328011.06 | 0.028567383376995287 | 523376 | 0.007745032610760118 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 538450 | 0.004946286016221558 | 0 | 0 | 0 | 0 | 0 | 0 | 326237 | 0.003151347553005484 | 322805.1 | 0.0037865538911510607 | 145328.3 | 0.001783346021400338 | 209237 | 0.003096334926281707 42491828 | 0.3903365858298666 | 0 | 0 | 0 | 0 | 0 | 0 | 42971700 | 0.41509320415368506 | 29436218.6 | 0.3452914098339935 | 31706044.36 | 0.3890697686806261 | 25645608 | 0.3795093207995219 Bons B.R.H. | 800000 | 0.0073489252724992975 | 0 | 0 | 0 | 0 | 0 | 0 | 1000000 | 0.0096596877515594 | 0 | 0 | 1000000 | 0.012271154492279468 | 9145000 | 0.1353297117663043 Bons du Trésor / M.E.F. | 20600000 | 0.1892348257668569 | 0 | 0 | 0 | 0 | 0 | 0 | 18100000 | 0 | 19250000 | 0 | 7900000 | 0 | 4258000 | 0 Autres Placements | 15302454 | 0.14057073866482245 | 0 | 0 | 0 | 0 | 0 | 0 | 12007079 | 0.11598463394830609 | 9473755.099999998 | 0.11112861673411356 | 14929633.900000002 | 0.18320384410007287 | 8683614 | 0.12850202074465222 Portefeuille net | 24192121 | 0.22223261176532622 | 0 | 0 | 0 | 0 | 0 | 0 | 24226185 | 0.23401738251151205 | 22573390.35592 | 0.2647893700833125 | 21240071.6 | 0.26064020003067756 | 15966768 | 0.23627972785997275 Immobilisations | 2959550 | 0.02718688973778162 | 0 | 0 | 0 | 0 | 0 | 0 | 2756678 | 0.02662864871159326 | 2342234.59738 | 0.027474775115690176 | 2162320.96383 | 0.026534174609052573 | 2036781.97483 | 0.0301407454985837 Autres actifs | 2513502 | 0.02308942296284691 | 0 | 0 | 0 | 0 | 0 | 0 | 2461373 | 0.023776094620119013 | 2174766 | 0.025510342493483 | 2553854.05 | 0.03133873759828361 | 1839928 | 0.027227657289311397 108859455 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 103523015 | 1 | 85250364.6533 | 1 | 81491924.87383 | 1 | 67575699.97483 | 1 PASSIF Dépôts À vue | 41016533 | 0.37678429494250176 | 0 | 0 | 0 | 0 | 0 | 0 | 38710883 | 0.373935042367149 | 30626438 | 0.35925286800300466 | 30965606.5 | 0.37998374130863327 | 28522464 | 0.42208166560795957 Épargne | 30548090 | 0.28061953828447883 | 0 | 0 | 0 | 0 | 0 | 0 | 28477678 | 0.2750854773694526 | 20830883 | 0.2443494885296499 | 20468012 | 0.2511661374018301 | 16397471 | 0.24265336513136504 À terme | 10924285 | 0.10035219265060623 | 0 | 0 | 0 | 0 | 0 | 0 | 10890711 | 0.10520086765247322 | 9974030.5 | 0.11699692477050196 | 10625179 | 0.13038321301712347 | 8156986 | 0.1207088643260557 82488908 | 0.7577560258775868 | 0 | 0 | 0 | 0 | 0 | 0 | 78079272 | 0.7542213873890747 | 61431351.5 | 0.7205992813031565 | 62058797.5 | 0.7615330917275869 | 53076921 | 0.7854438950653804 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 | 2834674 | 0.02603975924737084 | 0 | 0 | 0 | 0 | 0 | 0 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146 | 2578834.38 | 0.031645275086981735 | 1491568 | 0.02207254975613373 2834674 | 0.02603975924737084 | 0 | 0 | 0 | 0 | 0 | 0 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146 | 2578834.38 | 0.031645275086981735 | 1491568 | 0.02207254975613373 Obligations à terme Banques locales | 7289925 | 0.06696639258390555 | 0 | 0 | 0 | 0 | 0 | 0 | 7440513 | 0.07187303229141849 | 7456296 | 0.0874635085764571 | 4373103 | 0.05366302252365082 | 2195401 | 0.032488024553467054 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5882939 | 0.05404159886708968 | 0 | 0 | 0 | 0 | 0 | 0 | 5251196 | 0.050724913682237714 | 4200423 | 0.049271613289661204 | 4031664.87 | 0.04947318248086582 | 3443739 | 0.05096120352852717 13172864 | 0.12100799145099524 | 0 | 0 | 0 | 0 | 0 | 0 | 12691709 | 0.1225979459736562 | 11656719 | 0.1367351218661183 | 8404767.870000001 | 0.10313620500451665 | 5639140 | 0.08344922808199422 Autres passifs | 1231467 | 0.011312448698186116 | 0 | 0 | 0 | 0 | 0 | 0 | 1099856 | 0.010624265531679115 | 1016434 | 0.011922928472314215 | 1093076.22 | 0.01341330716745686 | 1039317 | 0.015380040464059056 99727913 | 0.916116225274139 | 0 | 0 | 0 | 0 | 0 | 0 | 94820711 | 0.9159384606408536 | 77075020.7 | 0.9041019474045905 | 74135475.97 | 0.9097278789865421 | 61246946 | 0.9063457133675673 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.027558469771872367 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0.028979063254678198 | 3000000 | 0.03519046531003749 | 3000000 | 0.03681346347683841 | 3000000 | 0.044394656675660234 Réserves | 2106357 | 0.019349325237757252 | 0 | 0 | 0 | 0 | 0 | 0 | 2106357 | 0.020346750913311402 | 1148549 | 0.01347265791379275 | 959252 | 0.011771129489028065 | 721982 | 0.010684047672002176 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228000 | 0.0026744753635628495 | 159999.9 | 0.0019633834916492655 | 194000 | 0.0028708544650260285 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 4025185 | 0.03697597971623136 | 0 | 0 | 0 | 0 | 0 | 0 | 3595947 | 0.034735725191156766 | 3798795 | 0.04456045455581462 | 3237197 | 0.03972414450894362 | 2412772 | 0.03570472819221537 9131542 | 0.08388377472586098 | 0 | 0 | 0 | 0 | 0 | 0 | 8702304 | 0.08406153935914637 | 8175344 | 0.0958980531432077 | 7356448.9 | 0.09027212096645935 | 6328754 | 0.0936542870049038 108859455 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 103523015 | 1 | 85250364.7 | 1.0000000005477983 | 81491924.87 | 0.9999999999530015 | 67575700 | 1.0000000003724712 [bncgdes&$ ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1493684 | 2033372 | 3527056 | 0.42349313421731893 | 2865754 | 2078069 | 4943823 | 0.579663551870688 Avoirs à la BRH | 16966939 | 18799291 | 35766230 | 0.47438432845731854 | 14451675 | 17523502 | 31975177 | 0.4519654418175699 Avoirs à l'étranger | 2660092 | 0 | 2660092 | 0 | 5726463 | 0 | 5726463 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 37323 | 501127 | 538450 | 0.06931562819203269 | 45473 | 280764 | 326237 | 0.1393863970058577 21158038 | 21333790 | 42491828 | 0.49793193175873723 | 23089365 | 19882335 | 42971700 | 0.5373156053868011 Bons B.R.H. | 0 | 800000 | 800000 | 0 | 0 | 1000000 | 1000000 | 0 Bons du Trésor / M.E.F. | 0 | 20600000 | 20600000 | 0 | 0 | 18100000 | 18100000 | 0 Autres Placements | 14936462 | 365992 | 15302454 | 0.9760827903812029 | 11641087 | 365992 | 12007079 | 0.9695186481241608 Portefeuille net | 4775946 | 19416175 | 24192121 | 0.19741741536428328 | 4577240 | 19648945 | 24226185 | 0.18893771346994997 Immobilisations | 0 | 2959550 | 2959550 | 0 | 0 | 2756678 | 2756678 | 0 Autres actifs | 79863 | 2433639 | 2513502 | 0.0317735971564773 | 223958 | 2237415 | 2461373 | 0.09098905367045142 40950309 | 67909146 | 108859455 | 0.3761759509084443 | 39531650 | 63991365 | 103523015 | 0.38186339530393315 PASSIF Dépôts À vue | 18837976 | 22178557 | 41016533 | 0.4592776283651278 | 18103996 | 20606887 | 38710883 | 0.4676719980786798 Épargne | 12998481 | 17549609 | 30548090 | 0.4255087961309529 | 12409400 | 16068278 | 28477678 | 0.43575884241685714 À terme | 5442263 | 5482022 | 10924285 | 0.4981802470367626 | 5500311 | 5390400 | 10890711 | 0.5050460892773667 37278720 | 45210188 | 82488908 | 0.451924033228807 | 36013707 | 42065565 | 78079272 | 0.4612454250341883 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 | 982591 | 1852083 | 2834674 | 0.34663280504213184 | 1231479 | 1718395 | 2949874 | 0.41746833932567967 982591 | 1852083 | 2834674 | 0.34663280504213184 | 1231479 | 1718395 | 2949874 | 0.41746833932567967 Obligations à terme Banques locales | 0 | 7289925 | 7289925 | 0 | 0 | 7440513 | 7440513 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2690630 | 3192309 | 5882939 | 0.4573615330704602 | 2308098 | 2943098 | 5251196 | 0.43953758343813487 2690630 | 10482234 | 13172864 | 0.20425550586417654 | 2308098 | 10383611 | 12691709 | 0.18185872367543252 Autres passifs | 0 | 1231467 | 1231467 | 0 | 0 | 1099856 | 1099856 | 0 40951941 | 58775972 | 99727913 | 0.41063669907541334 | 39553284 | 55267427 | 94820711 | 0.417137601931713 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 2106357 | 2106357 | 0 | 0 | 2106357 | 2106357 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 4025185 | 4025185 | 0 | 0 | 3595947 | 3595947 | 0 0 | 9131542 | 9131542 | 0 | 0 | 8702304 | 8702304 | 0 40951941 | 67907514 | 108859455 | 0.3761909427160002 | 39553284 | 63969731 | 103523015 | 0.38207237298875035 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes [bncrésult ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 590233.00398 | 0 | 0 | 0 | 0 | 0 | 0 | 517779.10191 | 0.08201934172959668 | 560247.00301 | -0.015104054416242787 | 551785.00179 | -0.24086917810169572 | 418877.00192 Intérêts sur bons B.R.H. | 24419 | 0 | 0 | 0 | 0 | 0 | 0 | 15446 | 0.43467564417972293 | 22160 | -0.8189530685920577 | 4012 | 1.048604187437687 | 8219 Autres | 538349 | 0 | 0 | 0 | 0 | 0 | 0 | 537689.6 | -0.1389725596329183 | 462965.5 | 0.09951605465202051 | 509038 | 0.048188936778786655 | 533568 1153001.00398 | 0 | 0 | 0 | 0 | 0 | 0 | 1070914.7019099998 | -0.02385082477105298 | 1045372.50301 | 0.01861776421702376 | 1064835.0017900001 | -0.09782830175086986 | 960664.00192 Dépenses d'intérêt | 128371 | 0 | 0 | 0 | 0 | 0 | 0 | 149200.9 | -0.07396000962460679 | 138166 | -0.34125617011421044 | 91016 | 0.5632416278456535 | 142280 1024630.00398 | 0 | 0 | 0 | 0 | 0 | 0 | 921713.8019099998 | -0.01573948319959776 | 907206.50301 | 0.07342594939408838 | 973819.0017900001 | -0.15961384978552623 | 818384.00192 AUTRES REVENUS Commissions | 189598 | 0 | 0 | 0 | 0 | 0 | 0 | 181291 | -0.250315790634946 | 135911 | 0.5368660373332549 | 208877 | -0.16704089009321274 | 173986 Gains sur change | 70049 | 0 | 0 | 0 | 0 | 0 | 0 | 102859 | -0.3762529287665639 | 64158 | -1.1168209732223573 | -7495 | 7.656437625083389 | 49890 Autres | 288365 | 0 | 0 | 0 | 0 | 0 | 0 | 14699 | 0.043132185862983875 | 15333 | 0.4714667710167612 | 22562 | -0.5046538427444376 | 11176 548012 | 0 | 0 | 0 | 0 | 0 | 0 | 298849 | -0.2792279713166181 | 215402 | 0.039656084901718645 | 223944 | 0.04960168613581967 | 235052 PRODUIT NET BANCAIRE | 1572642.00398 | 0 | 0 | 0 | 0 | 0 | 0 | 1220562.80191 | -0.08025338700041969 | 1122608.50301 | 0.06694631171819171 | 1197763.0017900001 | -0.12049712643846094 | 1053436.00192 Dotation à la provision pour créances douteuses | 270000 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 125000 | 0 | 0 | 0 | 20000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1302642.00398 | 0 | 0 | 0 | 0 | 0 | 0 | 920562.8019099999 | 0.08369412813568439 | 997608.5030100001 | 0.2006343151407498 | 1197763.0017900001 | -0.1371949205514123 | 1033436.00192 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 559167 | 0 | 0 | 0 | 0 | 0 | 0 | 449884.1 | 0.0737298784286887 | 483054 | 0.10707912572921453 | 534779 | 0.03950603894318962 | 555906 Frais de locaux | 26582 | 0 | 0 | 0 | 0 | 0 | 0 | 25493 | 0.044247440473855565 | 26621 | -0.0778708538371962 | 24548 | 0.09772690239530715 | 26947 Amortissement | 39516 | 0 | 0 | 0 | 0 | 0 | 0 | 38684 | 0.02391169475752249 | 39609 | -0.0028528869701330505 | 39496 | -0.01106441158598339 | 39059 Autres dépenses d'exploitation | 248139 | 0 | 0 | 0 | 0 | 0 | 0 | 142338.07874 | -0.04850479085509678 | 135434 | 0.10247795974422966 | 149313 | 0.537742862309377 | 229605 873404 | 0 | 0 | 0 | 0 | 0 | 0 | 656399.17874 | 0.04314268234515432 | 684718 | 0.0926191512418251 | 748136 | 0.13818476854475656 | 851517 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 429238.00398000004 | 0 | 0 | 0 | 0 | 0 | 0 | 264163.6231699999 | 0.18445719079436793 | 312890.5030100001 | 0.4370107033118543 | 449627.0017900001 | -0.5954001846068714 | 181919.00191999995 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 429238.00398000004 | 0 | 0 | 0 | 0 | 0 | 0 | 264163.6231699999 | 0.18445719079436793 | 312890.5030100001 | 0.4370107033118543 | 449627.0017900001 | -0.5954001846068714 | 181919.00191999995 0 | 0 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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 | 590233.00398 | 0.1399320710371078 | 517779.10191 | 0 | 0 | 560247.00301 | 0 | 0 | 551785.00179 | 0 | 0 | 418877.00192 | 590233.00398 | 0.1399320710371078 | 517779.10191 | 2048688.10863 Intérêts sur bons B.R.H. | 24419 | 0.5809271008675385 | 15446 | 0 | 0 | 22160 | 0 | 0 | 4012 | 0 | 0 | 8219 | 24419 | 0.5809271008675385 | 15446 | 49837 Autres | 538349 | 0.001226358106982213 | 537689.6 | 0 | 0 | 462965.5 | 0 | 0 | 509038 | 0 | 0 | 533568 | 538349 | 0.001226358106982213 | 537689.6 | 2043261.1 1153001.00398 | 0.07665064446645237 | 1070914.7019099998 | 0 | 0 | 1045372.50301 | 0 | 0 | 1064835.0017900001 | 0 | 0 | 960664.00192 | 1153001.00398 | 0.07665064446645237 | 1070914.7019099998 | 4141786.20863 Dépenses d'intérêt | 128371 | -0.13960974766238002 | 149200.9 | 0 | 0 | 138166 | 0 | 0 | 91016 | 0 | 0 | 142280 | 128371 | -0.13960974766238002 | 149200.9 | 520662.9 1024630.00398 | 0.11165743841172232 | 921713.8019099998 | 0 | 0 | 907206.50301 | 0 | 0 | 973819.0017900001 | 0 | 0 | 818384.00192 | 1024630.00398 | 0.11165743841172232 | 921713.8019099998 | 3621123.30863 AUTRES REVENUS Commissions | 189598 | 0.04582135903050896 | 181291 | 0 | 0 | 135911 | 0 | 0 | 208877 | 0 | 0 | 173986 | 189598 | 0.04582135903050896 | 181291 | 700065 Gains sur change | 70049 | -0.3189803517436491 | 102859 | 0 | 0 | 64158 | 0 | 0 | -7495 | 0 | 0 | 49890 | 70049 | -0.3189803517436491 | 102859 | 209412 Autres | 288365 | 18.6180012245731 | 14699 | 0 | 0 | 15333 | 0 | 0 | 22562 | 0 | 0 | 11176 | 288365 | 18.6180012245731 | 14699 | 63770 548012 | 0.8337421239488839 | 298849 | 0 | 0 | 215402 | 0 | 0 | 223944 | 0 | 0 | 235052 | 548012 | 0.8337421239488839 | 298849 | 973247 PRODUIT NET BANCAIRE | 1572642.00398 | 0.28845644117537284 | 1220562.80191 | 0 | 0 | 1122608.50301 | 0 | 0 | 1197763.0017900001 | 0 | 0 | 1053436.00192 | 1572642.00398 | 0.28845644117537284 | 1220562.80191 | 4594370.30863 Dotation à la provision pour créances douteuses | 270000 | -0.1 | 300000 | 0 | 0 | 125000 | 0 | 0 | 0 | 0 | 0 | 20000 | 270000 | -0.1 | 300000 | 445000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1302642.00398 | 0.4150495775815137 | 920562.8019099999 | 0 | 0 | 997608.5030100001 | 0 | 0 | 1197763.0017900001 | 0 | 0 | 1033436.00192 | 1302642.00398 | 0.4150495775815137 | 920562.8019099999 | 4149370.30863 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 559167 | 0.24291345259812477 | 449884.1 | 0 | 0 | 483054 | 0 | 0 | 534779 | 0 | 0 | 555906 | 559167 | 0.24291345259812477 | 449884.1 | 2023623.1 Frais de locaux | 26582 | 0.042717608755344603 | 25493 | 0 | 0 | 26621 | 0 | 0 | 24548 | 0 | 0 | 26947 | 26582 | 0.042717608755344603 | 25493 | 103609 Amortissement | 39516 | 0.02150760004136077 | 38684 | 0 | 0 | 39609 | 0 | 0 | 39496 | 0 | 0 | 39059 | 39516 | 0.02150760004136077 | 38684 | 156848 Autres dépenses d'exploitation | 248139 | 0.7433072175525137 | 142338.07874 | 0 | 0 | 135434 | 0 | 0 | 149313 | 0 | 0 | 229605 | 248139 | 0.7433072175525137 | 142338.07874 | 656690.07874 873404 | 0.3305988616203856 | 656399.17874 | 0 | 0 | 684718 | 0 | 0 | 748136 | 0 | 0 | 851517 | 873404 | 0.3305988616203856 | 656399.17874 | 2940770.1787400004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 0 | 0 | 312890.5030100001 | 0 | 0 | 449627.0017900001 | 0 | 0 | 181919.00191999995 | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 1208600.1298899995 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 0 | 0 | 312890.5030100001 | 0 | 0 | 449627.0017900001 | 0 | 0 | 181919.00191999995 | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 1208600.1298899995 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 590233.00398 | 0.1399320710371078 | 517779.10191 | 2048688.10863 | -0.08960054117248659 | 2250317.80145 | 0.33828995048545685 | 1681487.48381 | 0.1276296356619298 | 1491170 Intérêts sur Bons B.R.H. | 24419 | 0.5809271008675385 | 15446 | 49837 | -0.9233885335983947 | 650516.2 | 0.017800822669247148 | 639139 | -0.46289621697299016 | 1189973 Autres | 538349 | 0.001226358106982213 | 537689.6 | 2043261.1 | 0.06519383556337942 | 1918205.8999799998 | 0.20096295870232778 | 1597223.2 | 2.4592371682834226 | 461727 1153001.00398 | 0.07665064446645237 | 1070914.7019099998 | 4141786.20863 | -0.14053705855372392 | 4819039.90143 | 0.23002164206147308 | 3917849.6838100003 | 0.24658343609821606 | 3142870 Dépenses d'intérêt | 128371 | -0.13960974766238002 | 149200.9 | 520662.9 | -0.3134719978383124 | 758400.092 | 0.08906314216160972 | 696378.44 | 0.7069563320382874 | 407965 1024630.00398 | 0.11165743841172232 | 921713.8019099998 | 3621123.30863 | -0.10823823865867468 | 4060639.8094299994 | 0.26049233474687894 | 3221471.2438100004 | 0.17790974231646084 | 2734905 AUTRES REVENUS Commissions | 189598 | 0.04582135903050896 | 181291 | 700065 | 0.1670704633389687 | 599848.1 | -0.039636090008885655 | 624605 | 0.04938769407048617 | 595209 Gains sur change | 70049 | -0.3189803517436491 | 102859 | 209412 | -0.2906239340067391 | 295205.9 | 0.46924891625149945 | 200923 | -0.26697993090188726 | 274103 Autres | 288365 | 18.6180012245731 | 14699 | 63770 | -0.4449973389985322 | 114900.35 | 0.10264817089555109 | 104204 | 0.06570940590515346 | 97779 548012 | 0.8337421239488839 | 298849 | 973247 | -0.03634555363814214 | 1009954.35 | 0.08628545645411793 | 929732 | -0.03863028401670577 | 967091 PRODUIT NET BANCAIRE | 1572642.00398 | 0.28845644117537284 | 1220562.80191 | 4594370.30863 | -0.09391874715793326 | 5070594.159429999 | 0.22147576536777225 | 4151203.2438100004 | 0.12134190415386736 | 3701996 Dotation à la provision pour créances douteuses | 270000 | -0.1 | 300000 | 445000 | -0.5761904761904761 | 1050000 | 2.652173913043478 | 287500 | 0.9166666666666666 | 150000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1302642.00398 | 0.4150495775815137 | 920562.8019099999 | 4149370.30863 | 0.0320291340268617 | 4020594.159429999 | 0.040606357610759064 | 3863703.2438100004 | 0.08775551656308182 | 3551996 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 559167 | 0.24291345259812477 | 449884.1 | 2023623.1 | 0.18883419206961014 | 1702191.2 | 0.11924792883487405 | 1520834.8 | 0.09542134726251772 | 1388356 Frais de locaux | 26582 | 0.042717608755344603 | 25493 | 103609 | -0.1889801685303108 | 127751.5 | 0.16575840476846615 | 109586.6 | 0.11727294971656953 | 98084 Amortissement | 39516 | 0.02150760004136077 | 38684 | 156848 | 0.45031554127464807 | 108147.5 | 0.12867624037237263 | 95818 | -0.22049120980141718 | 122921 Autres dépenses d'exploitation | 248139 | 0.7433072175525137 | 142338.07874 | 656690.07874 | 0.03913666286755085 | 631957.37597 | -0.16086698435658936 | 753107.51 | 0.2557107675582663 | 599746 873404 | 0.3305988616203856 | 656399.17874 | 2940770.1787400004 | 0.14424736967372298 | 2570047.57597 | 0.03658248291280867 | 2479346.91 | 0.12232993241160349 | 2209107 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 1208600.1298899995 | -0.16679674843181033 | 1450546.583459999 | 0.047813014636073604 | 1384356.3338100002 | 0.030879196873308378 | 1342889 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 1208600.1298899995 | -0.16679674843181033 | 1450546.583459999 | 0.047813014636073604 | 1384356.3338100002 | 0.030879196873308378 | 1342889 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 5019668.45532 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0038720967674529577 | 5000306.783586999 | 0.1644471289336575 | 4294146.689309999 | -0.10464078580606265 | 4796004.353600001 | 0.37836425527926065 | 3479489.7903299998 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 540000 | -0.2894736842105263 | 760000 Prêts nets | 301918.07063 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007319305560360986 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002 | -0.7715706289926039 | 735168.3774700001 | 0.0907127934329119 | 674025.62975 Dépôts | 4211935.7594 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026117546552034764 | 4104730.27535 | 0.1726374357804065 | 3500425.74977 | -0.13847968195698723 | 4063079.73992 | 0.3073311424728687 | 3107919.33881 Avoir des Actionnaires | -370377.00749 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05992723223220034 | -349436.25961000007 | 0.13924240299816604 | -306726.8727800001 | -6.082624852556206 | -43306.948929999955 | -0.016855734175009473 | -42589.07873999997 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 37831.35607000001 | 0.1740621498825754 | 32222.617920000008 | 0 | 0 | 36869.990869999994 | 0 | 0 | 38179.166549999994 | 0 | 0 | 35029.21560000001 | 37831.35607000001 | 0.1740621498825754 | 32222.617920000008 Autres revenus | 3306.84647 | -0.6264320818276756 | 8852.062259999999 | 0 | 0 | 8164.71833 | 0 | 0 | 7239.41727 | 0 | 0 | 3270.0146600000003 | 3306.84647 | -0.6264320818276756 | 8852.062259999999 Dot. à la prov. pr créances douteuses | 9000 | -0.25 | 12000 | 0 | 0 | 12000 | 0 | 0 | 12000 | 0 | 0 | 12000 | 9000 | -0.25 | 12000 Dépenses d'exploitation | 53063.84955 | 0.07751504182489309 | 49246.504680000005 | 0 | 0 | 49941.65294 | 0 | 0 | 48792.098159999994 | 0 | 0 | 52681.50879 | 53063.84955 | 0.07751504182489309 | 49246.504680000005 Bénéfice (perte) net | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | 0 | 0 | -16906.943740000002 | 0 | 0 | -15373.514340000002 | 0 | 0 | -26382.27852999999 | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | -0.07378515349902502 | -0.06950531078704367 | 0 | -0.0716250148818382 | 0 | -0.07169912346691097 | 0 | -0.06988296413271866 | -0.07378515349902502 | -0.06950531078704367 | -0.06988296413271866 | -0.07142906262228461 | -0.00902979766844721 | -0.012240035553017318 Dépôts en % de l'actif | 0.8390864450292649 | 0.8148467661838688 | 0 | 0.8186713604882353 | 0 | 0.8287333792379387 | 0 | 0.8208956876052808 | 0.8390864450292649 | 0.8148467661838688 | 0.8208956876052808 | 0.8151621272007507 | 0.8471801608916704 | 0.8932112252340423 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.8512048658350672 | 0.8152612253293816 | 0 | 0.8282275368390069 | 0 | 0.7907045560591718 | 0 | 0.8479007695801347 | 0.8512048658350672 | 0.8152612253293816 | 0.8479007695801347 | 0.8186232390920686 | 0.7961267802538988 | 0.6268121401473538 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.8936029231728382 | 1.020043731311471 | 0 | 0.9890083138436083 | 0 | 0.9936389199097487 | 0 | 0.8961444012475123 | 0.8936029231728382 | 1.020043731311471 | 0.8961444012475123 | 1.031441875855655 | 0.5864595640785304 | 0.7743802133956389 Prêts improductifs nets en % de l'avoir des actionnaires | -0.3084294049302841 | 0.05786900665529772 | 0 | -0.03159475345519711 | 0 | -0.017656264458041 | 0 | -0.3145075045865524 | -0.3084294049302841 | 0.05786900665529772 | -0.3145075045865524 | 0.0905450304367197 | -10.483773688937786 | -4.349259319139152 Rentabilité ROA (rendement de l'actif) | -0.016707144687341653 | -0.01830541585449488 | 0 | -0.014789636562890783 | 0 | -0.01300475364812358 | 0 | -0.021462729209159464 | -0.016707144687341653 | -0.01830541585449488 | -0.01696378627100233 | -0.01384151012519602 | -0.00017349300779253164 | 0.0012168757659851144 ROE (rendement avoir des action.) | -0.23256750567330567 | -0.2598636870561391 | 0 | -0.2095531725646275 | 0 | -0.1814712405043372 | 0 | -0.3032502690607328 | 0.23256750567330567 | -0.2598636870561391 | -0.24028951709875565 | -0.35945502947495706 | 0.01671486341039895 | -0.09231568540463884 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7892105191389053 | 0.6236424772342565 | 0 | 0.7318092076476035 | 0 | 0.7546998175593943 | 0 | 0.7597660660389763 | 0.7892105191389053 | 0.6236424772342565 | 0.7160007339410267 | 0.6270836139314504 | 0.6364740199698565 | 0.6211145821246524 Rendement moyen des prêts | 0.019014571024067263 | 0.036068292592882474 | 0 | 0.030785522958194422 | 0 | 0.0295292166594282 | 0 | 0.02124883778780394 | 0.019014571024067263 | 0.036068292592882474 | 0.02910772446253817 | 0.03294439579726986 | 0.0443433210471552 | 0.051528077885118886 Rendement moyen des prêts productifs | 0.12639438934139802 | 0.19700428660106364 | 0 | 0.17280556392144925 | 0 | 0.15454946294665925 | 0 | 0.11783191176656298 | 0.12639438934139802 | 0.19700428660106364 | 0.1756920006057282 | 0.16981827014559475 | 0.15485699467589883 | 0.1501073122869796 Rémunération moyenne des dépôts | 0.009719606946130055 | 0.0216522155731742 | 0 | 0.01447125142049041 | 0 | 0.012742361755426663 | 0 | 0.010925372085006697 | 0.009719606946130055 | 0.0216522155731742 | 0.014843405159227984 | 0.022461311082748087 | 0.018361007040223812 | 0.02046125980401867 Dépenses d'exploitation en % du produit net bancaire | 1.2898922722353827 | 1.1989504109146782 | 0 | 1.1089591523331077 | 0 | 1.0742760794429367 | 0 | 1.375523957854081 | 1.2898922722353827 | 1.1989504109146782 | 1.181564322333451 | 1.2216681302844923 | 0.9062650763599059 | 0.8415071941828338 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1228.0060459701494 | 1283.5837556250003 | 0 | 1369.877085931559 | 0 | 1330.947511208791 | 0 | 1110.1226162318844 | 1228.0060459701494 | 1283.5837556250003 | 1276.8962666165414 | 1360.743204496124 | 1403.7325599610897 | 1219.1182222222224 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 296131.89960999996 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04863129010052133 | 311269.32863 | -0.05836252290844363 | 330561.74611 | 0.42864099213285567 | 231381.95525 | 0.4799740873707132 | 156341.89627000003 Avoirs à la BRH | 1521012.79145 | 0 | 0 | 0 | 0 | 0 | 0 | 0.051054334794663356 | 1447130.5060999999 | 0.18980830969902623 | 1216271.97785 | -0.18662370378447105 | 1495337.37768 | 0.5363393586368321 | 973311.89836 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 353802.10764 | 1.4681632785554968 | 143346.31372 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 11734.87537 | 0 | 0 | 0 | 0 | 0 | 0 | -0.8563449929396609 | 81687.89665 | 2.172786733953176 | 25746.419 | 3.174243188189729 | 6167.925020000001 | -0.7457753109329807 | 24261.7074 1828879.56643 | 0 | 0 | 0 | 0 | 0 | 0 | -0.006091103570151064 | 1840087.7313799998 | 0.1701074438829438 | 1572580.1429599999 | -0.24637554161524114 | 2086689.36559 | 0.6085337132840837 | 1297261.8157499998 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 540000 | -0.2894736842105263 | 760000 Bons du Trésor / M.E.F. | 1565000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010981912144702842 | 1548000 | 0.10413694721825963 | 1402000 | 2.4125760664315754 | 410833.33315 | 1.3190363009379276 | 177156.92203 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 100000 | 1.847368170879867 | 35120.15096 | 0.33630216187883694 | 26281.59406 Portefeuille net | 301918.07063 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007319305560360986 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002 | -0.7715706289926039 | 735168.3774700001 | 0.0907127934329119 | 674025.62975 Immobilisations | 350682.92631999997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010984492254995705 | 346872.70577 | 0.0050403929189252 | 345133.09933999996 | -0.02520532191542868 | 354057.22569 | 0.1463423695554987 | 308858.18678 Autres actifs | 973187.89194 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007835200556740494 | 965622.04952 | 0.36676981420646665 | 706499.39696 | 0.11411354590641544 | 634135.90074 | 1.6880912871406597 | 235905.64195999998 5019668.45532 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0038720967674529577 | 5000306.783586999 | 0.1644471289336575 | 4294146.689309999 | -0.10464078580606265 | 4796004.353600001 | 0.37836425527926065 | 3479489.7903299998 PASSIF Dépôts à vue | 1887642.4668400001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04480221323209829 | 1806698.38074 | 0.09109483268757836 | 1655858.25046 | -0.11647512847444794 | 1874150.12732 | 0.4034938629581804 | 1335346.15062 Épargne | 530021.06429 | 0 | 0 | 0 | 0 | 0 | 0 | 0.017175113053576243 | 521071.6006400001 | 0.2115868586682112 | 430073.66489 | -0.11024491808119823 | 483361.85274999996 | 0.321016720387748 | 365901.3889 À terme | 1794272.22827 | 0 | 0 | 0 | 0 | 0 | 0 | 0.009742442956517943 | 1776960.29397 | 0.2562517069568039 | 1414493.8344200002 | -0.170661015224396 | 1705567.75985 | 0.2124845047088198 | 1406671.79929 4211935.7594 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026117546552034764 | 4104730.27535 | 0.1726374357804065 | 3500425.74977 | -0.13847968195698723 | 4063079.73992 | 0.3073311424728687 | 3107919.33881 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 | 237380.48211999997 | 0 | 0 | 0 | 0 | 0 | 0 | -0.172486402091432 | 286859.91713 | 1.0477607605903234 | 140084.68306 | -0.266055002498848 | 190865.36939 | 0.5025479212321979 | 127027.80836 237380.48211999997 | 0 | 0 | 0 | 0 | 0 | 0 | -0.172486402091432 | 286859.91713 | 1.0477607605903234 | 140084.68306 | -0.266055002498848 | 190865.36939 | 0.5025479212321979 | 127027.80836 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24999.99982 | -0.6666666684444444 | 74999.99986 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 916604.07276 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02316538300571967 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263 | 0.7612580108945921 | 533506.28177 | 1.6411556037587802 | 201997.29278 916604.07276 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02316538300571967 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263 | 0.682420133136107 | 558506.28159 | 1.0162878715058912 | 276997.29264 Autres passifs | 24125.148220000003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.21771934410587623 | 19811.747539999997 | -0.043876876020228606 | 20720.91663 | -0.22855603862610321 | 26859.91163 | 1.650362535561277 | 10134.42926 5390045.462499999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007533524195410933 | 5349743.0438399995 | 0.1627668032263457 | 4600873.56209 | -0.04927100687144144 | 4839311.30253 | 0.37399288386969387 | 3522078.8690700005 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 150488.951 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150488.951 | 0.19151331147143083 | 126300.688 | 0.6069858896846965 | 78594.77100000001 | 0 | 78594.77100000001 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 174325 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 174325 | 0 | 174325 | 11.169284467713787 | 14325 | 0 | 14325 BNR | -860190.95849 | 0 | 0 | 0 | 0 | 0 | 0 | -0.024951733839636888 | -839250.2106100001 | 0.08661543086286912 | -772352.56078 | 1.5640240711696554 | -301226.71992999996 | 0.002388848749782536 | -300508.84974 -370377.00749 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05992723223220034 | -349436.25961000007 | 0.13924240299816604 | -306726.8727800001 | 6.082624852556206 | -43306.948929999955 | 0.016855734175009473 | -42589.07873999997 5019668.45501 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0038720965763667224 | 5000306.784229999 | 0.16444712908339598 | 4294146.68931 | -0.10464078580606227 | 4796004.3536 | 0.37836425527926004 | 3479489.7903300007 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 | 228433.71529999998 | 0 | 0 | 0 | 202711.42267 | 228705.636893397 | 185921.176250502 | 220689.186544052 Portefeuille brut | 1261351.12995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01067602395033273 | 1248027.1620770001 | 0.1566450656025408 | 1079006.16982 | -0.21756383260130455 | 1379034.11777 | 0.05287313850136827 | 1309781.84108 Provisions pour créances douteuses | 959433.05932 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011736961438076053 | 948302.86516 | 0.040864762055718436 | 911072.11977 | 0.4150032572714602 | 643865.7403 | 0.012755721179718994 | 635756.21133 Portefeuille de crédit improductif | 1073668.21934 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014614422151501886 | 1058203.1911819999 | 0.1980117280119877 | 883299.525738375 | -0.1954542346453527 | 1097885.9920405059 | 0.33727547391449525 | 820987.158933496 [bphcomp ] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 296131.89960999996 | 0.058994314514168804 | 0 | 0 | 0 | 0 | 0 | 0 | 311269.32863 | 0.06225004626750304 | 330561.74611 | 0.07697961202231682 | 231381.95525 | 0.048244734197607414 | 156341.89627000003 | 0.04493241989227746 Avoirs à la BRH | 1521012.79145 | 0.30301060816835096 | 0 | 0 | 0 | 0 | 0 | 0 | 1447130.5060999999 | 0.28940834407401944 | 1216271.97785 | 0.2832395038757829 | 1495337.37768 | 0.31178816102565926 | 973311.89836 | 0.27972833863889274 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 353802.10764 | 0.08239171440527812 | 143346.31372 | 0.041197509507968647 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 11734.87537 | 0.0023377789737413866 | 0 | 0 | 0 | 0 | 0 | 0 | 81687.89665 | 0.01633657697126349 | 25746.419 | 0.005995700860451285 | 6167.925020000001 | 0.0012860549251524766 | 24261.7074 | 0.006972777292644099 1828879.56643 | 0.36434270165626115 | 0 | 0 | 0 | 0 | 0 | 0 | 1840087.7313799998 | 0.36799496731278597 | 1572580.1429599999 | 0.366214816758551 | 2086689.36559 | 0.4350891308144203 | 1297261.8157499998 | 0.37283104533178285 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 540000 | 0.11259372598247591 | 760000 | 0.218422827999711 Bons du Trésor / M.E.F. | 1565000 | 0.311773579058068 | 0 | 0 | 0 | 0 | 0 | 0 | 1548000 | 0.30958100512575615 | 1402000 | 0 | 410833.33315 | 0 | 177156.92203 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100000 | 0.023287513733274073 | 35120.15096 | 0.007322793803061904 | 26281.59406 | 0.007553289603849481 Portefeuille net | 301918.07063 | 0.06014701435311288 | 0 | 0 | 0 | 0 | 0 | 0 | 299724.2969170001 | 0.05994118158926063 | 167934.05005000002 | 0.03910766496823711 | 735168.3774700001 | 0.15328767934044185 | 674025.62975 | 0.19371392657142253 Immobilisations | 350682.92631999997 | 0.06986177064111383 | 0 | 0 | 0 | 0 | 0 | 0 | 346872.70577 | 0.06937028482103828 | 345133.09933999996 | 0.08037291790687694 | 354057.22569 | 0.07382337453973238 | 308858.18678 | 0.08876536658861914 Autres actifs | 973187.89194 | 0.19387493429144417 | 0 | 0 | 0 | 0 | 0 | 0 | 965622.04952 | 0.19311256115115907 | 706499.39696 | 0.1645261440925585 | 634135.90074 | 0.1322217108214261 | 235905.64195999998 | 0.06779891770788221 5019668.45532 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5000306.783586999 | 1 | 4294146.689309999 | 1 | 4796004.353600001 | 1 | 3479489.7903299998 | 1 PASSIF Dépôts À vue | 1887642.4668400001 | 0.3760492318649887 | 0 | 0 | 0 | 0 | 0 | 0 | 1806698.38074 | 0.361317506891838 | 1655858.25046 | 0.3856082174794243 | 1874150.12732 | 0.39077323312127854 | 1335346.15062 | 0.3837764244433532 Épargne | 530021.06429 | 0.10558885890725857 | 0 | 0 | 0 | 0 | 0 | 0 | 521071.6006400001 | 0.10420792627171693 | 430073.66489 | 0.10015346377445386 | 483361.85274999996 | 0.1007842814794729 | 365901.3889 | 0.10515949491126324 À terme | 1794272.22827 | 0.3574483542570177 | 0 | 0 | 0 | 0 | 0 | 0 | 1776960.29397 | 0.3553702544417259 | 1414493.8344200002 | 0.32940044594687257 | 1705567.75985 | 0.35562264629091883 | 1406671.79929 | 0.40427530587942584 4211935.7594 | 0.8390864450292649 | 0 | 0 | 0 | 0 | 0 | 0 | 4104730.27535 | 0.8208956876052808 | 3500425.74977 | 0.8151621272007507 | 4063079.73992 | 0.8471801608916704 | 3107919.33881 | 0.8932112252340423 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 | 237380.48211999997 | 0.04729007189078729 | 0 | 0 | 0 | 0 | 0 | 0 | 286859.91713 | 0.057368463485398265 | 140084.68306 | 0.03262223980581096 | 190865.36939 | 0.03979674648266983 | 127027.80836 | 0.036507596232363854 237380.48211999997 | 0.04729007189078729 | 0 | 0 | 0 | 0 | 0 | 0 | 286859.91713 | 0.057368463485398265 | 140084.68306 | 0.03262223980581096 | 190865.36939 | 0.03979674648266983 | 127027.80836 | 0.036507596232363854 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24999.99982 | 0.005212672461657458 | 74999.99986 | 0.02155488430184096 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 916604.07276 | 0.18260251267960828 | 0 | 0 | 0 | 0 | 0 | 0 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516 | 533506.28177 | 0.11123974092507585 | 201997.29278 | 0.05805371044380684 916604.07276 | 0.18260251267960828 | 0 | 0 | 0 | 0 | 0 | 0 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516 | 558506.28159 | 0.11645241338673332 | 276997.29264 | 0.0796085947456478 Autres passifs | 24125.148220000003 | 0.0048061238376075266 | 0 | 0 | 0 | 0 | 0 | 0 | 19811.747539999997 | 0.003962106406156928 | 20720.91663 | 0.004825386305871521 | 26859.91163 | 0.005600476907373589 | 10134.42926 | 0.0029126193409634454 5390045.462499999 | 1.073785153437268 | 0 | 0 | 0 | 0 | 0 | 0 | 5349743.0438399995 | 1.0698829642613108 | 4600873.56209 | 1.0714290626222849 | 4839311.30253 | 1.009029797668447 | 3522078.8690700005 | 1.0122400355530174 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.03287069683359822 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0.03299797535255153 | 165000 | 0.03842439765990222 | 165000 | 0.034403638494645415 | 165000 | 0.04742074555256883 Réserves | 150488.951 | 0.029979858697740717 | 0 | 0 | 0 | 0 | 0 | 0 | 150488.951 | 0.030095943611692936 | 126300.688 | 0.029412290063219635 | 78594.77100000001 | 0.01638755205486934 | 78594.77100000001 | 0.0225880159839601 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 | 174325 | 0.034728389245557635 | 0 | 0 | 0 | 0 | 0 | 0 | 174325 | 0.03486286092929421 | 174325 | 0.04059595831553003 | 14325 | 0.002986861342035125 | 14325 | 0.004116982909336658 BNR | -860190.95849 | -0.17136409827592158 | 0 | 0 | 0 | 0 | 0 | 0 | -839250.2106100001 | -0.16783974402625731 | -772352.56078 | -0.17986170866093648 | -301226.71992999996 | -0.06280784955999709 | -300508.84974 | -0.08636577999888291 -370377.00749 | -0.07378515349902502 | 0 | 0 | 0 | 0 | 0 | 0 | -349436.25961000007 | -0.06988296413271866 | -306726.8727800001 | -0.07142906262228461 | -43306.948929999955 | -0.00902979766844721 | -42589.07873999997 | -0.012240035553017318 5019668.45501 | 0.999999999938243 | 0 | 0 | 0 | 0 | 0 | 0 | 5000306.784229999 | 1.000000000128592 | 4294146.68931 | 1.0000000000000002 | 4796004.3536 | 0.9999999999999998 | 3479489.7903300007 | 1.0000000000000002 [bphgdes&$] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 37015.06706 | 259116.83255 | 296131.89960999996 | 0.12499520351825702 | 43253.18263 | 268016.146 | 311269.32863 | 0.13895741935246775 Avoirs à la BRH | 1115489.417 | 405523.37445 | 1521012.79145 | 0.7333859539317814 | 956645.4935 | 490485.0126 | 1447130.5060999999 | 0.6610637323085314 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 | 3068.10975 | 8666.76562 | 11734.87537 | 0.26145226542785177 | 14533.79195 | 67154.1047 | 81687.89665 | 0.17791854786360203 1155572.59381 | 673306.9726199999 | 1828879.56643 | 0.631847287826445 | 1014432.46808 | 825655.2633 | 1840087.73138 | 0.5512957076884655 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 1565000 | 1565000 | 0 | 1548000 | 1548000 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 586202.61688 | -284284.54625000013 | 301918.07062999986 | 1.9415950017724855 | 579927.9568970001 | -280203.65998 | 299724.2969170001 | 1.9348713563171498 Immobilisations | 0 | 350682.92631999997 | 350682.92631999997 | 0 | 0 | 346872.70577 | 346872.70577 | 0 Autres actifs | 901746.3296899999 | 71441.56224999999 | 973187.8919399999 | 0.9265901653301657 | 879399.1100699999 | 86222.93944999999 | 965622.0495199999 | 0.9107073626861976 2643521.54038 | 2376146.91494 | 5019668.455320001 | 0.5266326977388942 | 2473759.5350470003 | 2526547.2485399996 | 5000306.783586999 | 0.49472155251891053 PASSIF Dépôts À vue | 1230178.87742 | 657463.5894200001 | 1887642.4668400001 | 0.6517012087990242 | 1068970.4394 | 737727.9413399999 | 1806698.38074 | 0.5916706688817442 Épargne | 225568.98521 | 304452.07908 | 530021.06429 | 0.42558494446284945 | 233710.88622000001 | 287360.71442000003 | 521071.6006400001 | 0.4485197157798417 À terme | 1080980.29196 | 713291.93631 | 1794272.22827 | 0.6024616972432655 | 1066007.58204 | 710952.71193 | 1776960.29397 | 0.5999051220544589 2536728.1545900004 | 1675207.6048100002 | 4211935.759400001 | 0.6022713306888998 | 2368688.90766 | 1736041.36769 | 4104730.27535 | 0.5770632291930626 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 | 96734.20119 | 140646.28093 | 237380.48212 | 0.4075069707757151 | 93448.87602999998 | 193411.04109999997 | 286859.91712999996 | 0.32576484356875335 96734.20119 | 140646.28093 | 237380.48212 | 0.4075069707757151 | 93448.87602999998 | 193411.04109999997 | 286859.91712999996 | 0.32576484356875335 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 | 8403.78281 | 908200.28995 | 916604.07276 | 0.009168389122137813 | 13069.97956 | 925271.1242600001 | 938341.1038200001 | 0.013928814912606861 8403.78281 | 908200.28995 | 916604.07276 | 0.009168389122137813 | 13069.97956 | 925271.1242600001 | 938341.1038200001 | 0.013928814912606861 Autres passifs | 1411.63677 | 22713.51145 | 24125.148220000003 | 0.0585130817488507 | 1008.46287 | 18803.284669999997 | 19811.747539999997 | 0.050902267352433674 2643277.7753600003 | 2746767.6871400005 | 5390045.4625 | 0.4903999036279001 | 2476216.22612 | 2873526.81772 | 5349743.04384 | 0.4628663855119652 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 165000 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 150488.951 | 150488.951 | 0 | 0 | 150488.951 | 150488.951 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 174325 | 174325 | 0 | 0 | 174325 | 174325 | 0 BNR | 0 | -860190.95849 | -860190.95849 | 0 | 0 | -839250.2106100001 | -839250.2106100001 | 0 0 | -370377.00749 | -370377.00749 | 0 | 0 | -349436.25961000007 | -349436.25961000007 0 2643277.7753600003 | 2376390.6796500003 | 5019668.455010001 | 0.5265841357952263 | 2476216.22612 | 2524090.55811 | 5000306.784229999 | 0.4952128605247796 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes [BPHRÉSULT ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 5964.34397 | 0 | 0 | 0 | 0 | 0 | 0 | 9882.49438 | -0.1190648883526105 | 8705.83629 | 0.0031072327917622262 | 8732.88735 | -0.25040777034642503 | 6546.1045 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2079.28703 | 1.603685384407943 | 5413.80925 | -0.9127668304900103 | 472.26374 | -1 | 0 Autres | 41971.35272 | 0 | 0 | 0 | 0 | 0 | 0 | 39706.63294 | -0.08674386154083215 | 36262.32627 | 0.14122284245830866 | 41383.395059999995 | -0.044081323858400474 | 39559.160220000005 47935.696690000004 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 51668.41435000001 | -0.024898045666462587 | 50381.971809999995 | 0.0041001638597836215 | 50588.546149999995 | -0.08862246044206568 | 46105.26472000001 Dépenses d'intérêt | 10104.340619999999 | 0 | 0 | 0 | 0 | 0 | 0 | 19445.79643 | -0.3051464367304395 | 13511.980939999998 | -0.08160175365078627 | 12409.379599999998 | -0.1074453778495098 | 11076.04912 37831.35607000001 | 0 | 0 | 0 | 0 | 0 | 0 | 32222.617920000008 | 0.14422704454176097 | 36869.990869999994 | 0.035507892709169 | 38179.166549999994 | -0.08250444508459247 | 35029.21560000001 AUTRES REVENUS Commissions | 3273.6308 | 0 | 0 | 0 | 0 | 0 | 0 | 2729.09909 | 0.7182198759957812 | 4689.1923 | -0.3707281827618798 | 2950.7765600000002 | 0.11471348410060571 | 3289.2704200000003 Gains sur change | -338.19317 | 0 | 0 | 0 | 0 | 0 | 0 | 5080.524359999999 | -0.4443999516616823 | 2822.7395800000004 | -1.0170993953328136 | -48.26713999999998 | -7.329852566362958 | -402.05816000000004 Autres | 371.40884 | 0 | 0 | 0 | 0 | 0 | 0 | 1042.43881 | -0.3737891915209872 | 652.7864500000001 | 5.643685465591388 | 4336.90785 | -0.9117337943899361 | 382.80240000000003 3306.84647 | 0 | 0 | 0 | 0 | 0 | 0 | 8852.062259999999 | -0.07764788699079928 | 8164.71833 | -0.11332920776949813 | 7239.41727 | -0.5483041606745234 | 3270.0146600000003 PRODUIT NET BANCAIRE | 41138.202540000006 | 0 | 0 | 0 | 0 | 0 | 0 | 41074.68018000001 | 0.09641046510030273 | 45034.7092 | 0.008523972438574003 | 45418.58381999999 | -0.15674979185205212 | 38299.23026000001 Dotation à la provision pour créances douteuses | 9000 | 0 | 0 | 0 | 0 | 0 | 0 | 12000 | 0 | 12000 | 0 | 12000 | 0 | 12000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 32138.202540000006 | 0 | 0 | 0 | 0 | 0 | 0 | 29074.68018000001 | 0.13620198039956516 | 33034.7092 | 0.01162034203709579 | 33418.58381999999 | -0.21303576472140234 | 26299.23026000001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29390.706040000005 | 0 | 0 | 0 | 0 | 0 | 0 | 28836.302860000003 | -0.11252834962075318 | 25591.401289999998 | 0.054249440828490154 | 26979.7205 | 0.11738692178075015 | 30146.78684 Frais de locaux | 6064.74165 | 0 | 0 | 0 | 0 | 0 | 0 | 4746.39218 | 0.6914002437110033 | 8028.04889 | -0.162773243898369 | 6721.297329999999 | -0.08851371852642013 | 6126.37031 Amortissement | 3095.60738 | 0 | 0 | 0 | 0 | 0 | 0 | 3750.66111 | 0.03162009217089732 | 3869.25736 | 0.010388967768223038 | 3909.45495 | 0.08069816484264661 | 4224.940790000001 Autres dépenses d'exploitation | 14512.79448 | 0 | 0 | 0 | 0 | 0 | 0 | 11913.14853 | 0.04531101653275535 | 12452.9454 | -0.10208990557366446 | 11181.625380000001 | 0.08959211527438946 | 12183.41085 53063.84955 | 0 | 0 | 0 | 0 | 0 | 0 | 49246.504680000005 | 0.014115687286174204 | 49941.65294 | -0.023017956201431364 | 48792.098159999994 | 0.07971394501719879 | 52681.50879 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -20925.647009999993 | 0 | 0 | 0 | 0 | 0 | 0 | -20171.824499999995 | 0.1618535180097365 | -16906.943740000002 | 0.09069820208675992 | -15373.514340000002 | -0.7160863772934813 | -26382.27852999999 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | -20925.647009999993 | 0 | 0 | 0 | 0 | 0 | 0 | -20171.824499999995 | 0.1618535180097365 | -16906.943740000002 | 0.09069820208675992 | -15373.514340000002 | -0.7160863772934813 | -26382.27852999999 0 | 0 | 0 0 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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 | 5964.34397 | -0.39647383133649705 | 9882.49438 | 0 | 0 | 8705.83629 | 0 | 0 | 8732.88735 | 0 | 0 | 6546.1045 | 5964.34397 | -0.39647383133649705 | 9882.49438 | 33867.32252 Intérêts sur Bons B.R.H. | 0 | -1 | 2079.28703 | 0 | 0 | 5413.80925 | 0 | 0 | 472.26374 | 0 | 0 | 0 | 0 | -1 | 2079.28703 | 7965.36002 Autres | 41971.35272 | 0.05703630885605883 | 39706.63294 | 0 | 0 | 36262.32627 | 0 | 0 | 41383.395059999995 | 0 | 0 | 39559.160220000005 | 41971.35272 | 0.05703630885605883 | 39706.63294 | 156911.51449 47935.696690000004 | -0.07224370453319325 | 51668.41435000001 | 0 | 0 | 50381.971809999995 | 0 | 0 | 50588.546149999995 | 0 | 0 | 46105.26472000001 | 47935.696690000004 | -0.07224370453319325 | 51668.41435000001 | 198744.19703 Dépenses d'intérêt | 10104.340619999999 | -0.480384325919841 | 19445.79643 | 0 | 0 | 13511.980939999998 | 0 | 0 | 12409.379599999998 | 0 | 0 | 11076.04912 | 10104.340619999999 | -0.480384325919841 | 19445.79643 | 56443.20608999999 37831.35607000001 | 0.1740621498825754 | 32222.617920000008 | 0 | 0 | 36869.990869999994 | 0 | 0 | 38179.166549999994 | 0 | 0 | 35029.21560000001 | 37831.35607000001 | 0.1740621498825754 | 32222.617920000008 | 142300.99094000002 AUTRES REVENUS Commissions | 3273.6308 | 0.19952800980927363 | 2729.09909 | 0 | 0 | 4689.1923 | 0 | 0 | 2950.7765600000002 | 0 | 0 | 3289.2704200000003 | 3273.6308 | 0.19952800980927363 | 2729.09909 | 13658.338370000001 Gains sur change | -338.19317 | -1.0665665876267938 | 5080.524359999999 | 0 | 0 | 2822.7395800000004 | 0 | 0 | -48.26713999999998 | 0 | 0 | -402.05816000000004 | -338.19317 | -1.0665665876267938 | 5080.524359999999 | 7452.93864 Autres | 371.40884 | -0.6437116150731188 | 1042.43881 | 0 | 0 | 652.7864500000001 | 0 | 0 | 4336.90785 | 0 | 0 | 382.80240000000003 | 371.40884 | -0.6437116150731188 | 1042.43881 | 6414.935509999999 3306.84647 | -0.6264320818276756 | 8852.062259999999 | 0 | 0 | 8164.71833 | 0 | 0 | 7239.41727 | 0 | 0 | 3270.0146600000003 | 3306.84647 | -0.6264320818276756 | 8852.062259999999 | 27526.21252 PRODUIT NET BANCAIRE | 41138.202540000006 | 0.001546508937418959 | 41074.68018000001 | 0 | 0 | 45034.7092 | 0 | 0 | 45418.58381999999 | 0 | 0 | 38299.23026000001 | 41138.202540000006 | 0.001546508937418959 | 41074.68018000001 | 169827.20346000002 Dotation à la provision pour créances douteuses | 9000 | -0.25 | 12000 | 0 | 0 | 12000 | 0 | 0 | 12000 | 0 | 0 | 12000 | 9000 | -0.25 | 12000 | 48000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 32138.202540000006 | 0.10536736229027693 | 29074.68018000001 | 0 | 0 | 33034.7092 | 0 | 0 | 33418.58381999999 | 0 | 0 | 26299.23026000001 | 32138.202540000006 | 0.10536736229027693 | 29074.68018000001 | 121827.20346000002 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29390.706040000005 | 0.019225875893023586 | 28836.302860000003 | 0 | 0 | 25591.401289999998 | 0 | 0 | 26979.7205 | 0 | 0 | 30146.78684 | 29390.706040000005 | 0.019225875893023586 | 28836.302860000003 | 111554.21149 Frais de locaux | 6064.74165 | 0.2777582256171676 | 4746.39218 | 0 | 0 | 8028.04889 | 0 | 0 | 6721.297329999999 | 0 | 0 | 6126.37031 | 6064.74165 | 0.2777582256171676 | 4746.39218 | 25622.10871 Amortissement | 3095.60738 | -0.17465020453420813 | 3750.66111 | 0 | 0 | 3869.25736 | 0 | 0 | 3909.45495 | 0 | 0 | 4224.940790000001 | 3095.60738 | -0.17465020453420813 | 3750.66111 | 15754.31421 Autres dépenses d'exploitation | 14512.79448 | 0.2182165313773688 | 11913.14853 | 0 | 0 | 12452.9454 | 0 | 0 | 11181.625380000001 | 0 | 0 | 12183.41085 | 14512.79448 | 0.2182165313773688 | 11913.14853 | 47731.13016 53063.84955 | 0.07751504182489309 | 49246.504680000005 | 0 | 0 | 49941.65294 | 0 | 0 | 48792.098159999994 | 0 | 0 | 52681.50879 | 53063.84955 | 0.07751504182489309 | 49246.504680000005 | 200661.76457000003 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | 0 | 0 | -16906.943740000002 | 0 | 0 | -15373.514340000002 | 0 | 0 | -26382.27852999999 | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | -78834.56111000001 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | 0 | 0 | -16906.943740000002 | 0 | 0 | -15373.514340000002 | 0 | 0 | -26382.27852999999 | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | -78834.56111000001 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 5964.34397 | -0.39647383133649705 | 9882.49438 | 33867.32252 | -0.16354936434819972 | 40489.32606 | -0.3208256894583397 | 59615.514650000005 | -0.12084865042680461 | 67810.29759999999 Intérêts sur bons B.R.H. | 0 | -1 | 2079.28703 | 7965.36002 | -0.9125814590264003 | 91117.51272999999 | 0.23881091407730703 | 73552.39746 | -0.08651980287699666 | 80518.87462 Autres | 41971.35272 | 0.05703630885605883 | 39706.63294 | 156911.51449 | 0.6315415278300113 | 96173.7791 | 1.0065942546281599 | 47928.861990000005 | 2.8130947789430683 | 12569.54384 47935.696690000004 | -0.07224370453319325 | 51668.41435000001 | 198744.19703 | -0.1274753801661135 | 227780.61789 | 0.25778396121082525 | 181096.7741 | 0.12553274839351755 | 160898.71606 Dépenses d'intérêt | 10104.340619999999 | -0.480384325919841 | 19445.79643 | 56443.20608999999 | -0.3355176631856061 | 84943.12484 | 0.29027435461650464 | 65833.382285 | 0.07990536482031393 | 60962.17727 37831.35607000001 | 0.1740621498825754 | 32222.617920000008 | 142300.99094000002 | -0.0037560314070492025 | 142837.49305 | 0.23922687681494703 | 115263.39181500001 | 0.153365858079264 | 99936.53879 AUTRES REVENUS Commissions | 3273.6308 | 0.19952800980927363 | 2729.09909 | 13658.338370000001 | -0.11486573995249984 | 15430.80975 | -0.3453371844369123 | 23570.62198 | 0.08426154965981307 | 21738.87102 Gains sur change | -338.19317 | -1.0665665876267938 | 5080.524359999999 | 7452.93864 | -0.4231387245883686 | 12919.810980000002 | -0.6213127876687322 | 34117.368 | 0.46999387135888515 | 23209.19064 Autres | 371.40884 | -0.6437116150731188 | 1042.43881 | 6414.935509999999 | 0.4754577299996069 | 4347.7596 | -0.4146995139163396 | 7428.25216 | -0.47726383266936023 | 14210.32755 3306.84647 | -0.6264320818276756 | 8852.062259999999 | 27526.21252 | -0.1581781041691126 | 32698.380330000004 | -0.4978460172855423 | 65116.24214 | 0.10071019528356089 | 59158.38921 PRODUIT NET BANCAIRE | 41138.202540000006 | 0.001546508937418959 | 41074.68018000001 | 169827.20346000002 | -0.03252138614220387 | 175535.87338 | -0.026853145606274005 | 180379.63395500003 | 0.13378620061979607 | 159094.928 Dotation à la provision pour créances douteuses | 9000 | -0.25 | 12000 | 48000 | 1 | 24000 | 0.36164484973097366 | 17625.7414 | -0.16439953658111164 | 21093.50362 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 32138.202540000006 | 0.10536736229027693 | 29074.68018000001 | 121827.20346000002 | -0.19605040877351088 | 151535.87338 | -0.06892627266170655 | 162753.89255500003 | 0.17936386009206504 | 138001.42438 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29390.706040000005 | 0.019225875893023586 | 28836.302860000003 | 111554.21149 | -0.10569050163401131 | 124737.81357999999 | 0.5252536156845911 | 81781.68685999999 | 0.008998872116133328 | 81052.30750999998 Frais de locaux | 6064.74165 | 0.2777582256171676 | 4746.39218 | 25622.10871 | 0.08151297241785313 | 23690.986019999997 | 0.3214626470599535 | 17927.85144 | 0.32484351087468327 | 13532.052119999998 Amortissement | 3095.60738 | -0.17465020453420813 | 3750.66111 | 15754.31421 | 0.10400466481371046 | 14270.15185 | 0.4768067953120662 | 9662.84276 | 0.14413344896195934 | 8445.55569 Autres dépenses d'exploitation | 14512.79448 | 0.2182165313773688 | 11913.14853 | 47731.13016 | -0.07761709201868132 | 51747.63078000001 | -0.043470938612768115 | 54099.38168 | 0.7536487386162728 | 30849.611149999997 53063.84955 | 0.07751504182489309 | 49246.504680000005 | 200661.76457000003 | -0.06428089231664853 | 214446.58222999997 | 0.3118264502418982 | 163471.76273999998 | 0.22103630816644013 | 133879.52646999998 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | -78834.56111000001 | -0.2531183092844781 | -62910.708849999966 | -86.63521617770552 | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | -78834.56111000001 | -0.2531183092844781 | -62910.708849999966 | -86.63521617770552 | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 39813213.65781089 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03324704862013651 | 38532133.92767971 | 0.3349903103594114 | 28863231.162558727 | 0.0021460629423471185 | 28801421.49919239 | 0.34745520166920657 | 21374678.329575364 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | -0.5714285714285714 | 700000 Prêts nets | 13391292.247499876 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03974272659689615 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105 | -0.1845108316332431 | 15103214.604820965 | 0.3496547395835216 | 11190428.308710668 Dépôts | 32376269.186209247 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026982115008091775 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416 | -0.012345655092637974 | 22161837.82004568 | 0.45906658962962615 | 15189051.670130633 Avoir des Actionnaires | 3452039.581454 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06663094682386544 | 3236395.48593 | 0.10535128666968242 | 2927933.88397 | 0.02981459789132624 | 2843166.031988 | 0.11504090519813354 | 2549831.14855575 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 329174.73889999994 | -0.06053175404934363 | 350384.10326142004 | 0 | 0 | 354135.8061823923 | 0 | 0 | 347765.8382237797 | 0 | 0 | 339742.10227240797 | 329174.73889999994 | -0.06053175404934363 | 350384.10326142004 Autres revenus | 260276.57534999988 | 0.3987820317631635 | 186073.71945 | 0 | 0 | 147025.15617999958 | 0 | 0 | 165452.6196800003 | 0 | 0 | 194961.453384 | 260276.57534999988 | 0.3987820317631635 | 186073.71945 Dot. à la prov. pr créances douteuses | 128533.94244999999 | 0.5661000557386815 | 82072.62491244498 | 0 | 0 | 38651.268867555 | 0 | 0 | 31794.417320000022 | 0 | 0 | -87381.28886 | 128533.94244999999 | 0.5661000557386815 | 82072.62491244498 Dépenses d'exploitation | 428023.73943 | 0.32393278342856263 | 323297.18305 | 0 | 0 | 363230.1150371392 | 0 | 0 | 400526.12582286075 | 0 | 0 | 405915.641885266 | 428023.73943 | 0.32393278342856263 | 323297.18305 Bénéfice (perte) net | 23025.54265900023 | -0.7490721601590391 | 91761.61032428255 | 0 | 0 | 69495.70492038837 | 0 | 0 | 56628.54033264346 | 0 | 0 | 151318.4418417993 | 23025.54265900023 | -0.7490721601590391 | 91761.61032428255 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.08670587637370364 | 0.0971024216632424 | 0 | 0.08939263275988853 | 0 | 0.08173702967987483 | 0 | 0.08399211660595632 | 0.08670587637370364 | 0.0971024216632424 | 0.08399211660595632 | 0.10144165313577588 | 0.09871617038303905 | 0.11929214134781348 Dépôts en % de l'actif | 0.8132041152085546 | 0.7852282252332341 | 0 | 0.780466419810443 | 0 | 0.8097286030546953 | 0 | 0.8181649316827374 | 0.8132041152085546 | 0.7852282252332341 | 0.8181649316827374 | 0.7583432115006496 | 0.7694702784259142 | 0.7106096024431907 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.06724836294736215 | 0.017049483594002685 | 0 | 0.015891180976495802 | 0 | 0.02335429161272918 | 0 | 0.0562751812861468 | 0.06724836294736215 | 0.017049483594002685 | 0.0562751812861468 | 0.011131736542746701 | 0.019326044763293113 | 0.004006696394098167 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.2026752139673502 | 2.458409019827974 | 0 | 2.231108488694012 | 0 | 2.3173893432374935 | 0 | 0.8647964786194402 | 1.2026752139673502 | 2.458409019827974 | 0.8647964786194402 | 3.0256460890261523 | 0.7068216033211133 | 1.4643396877697732 Prêts improductifs nets en % de l'avoir des actionnaires | -0.057524902065865635 | -0.10559253049317144 | 0 | -0.1113479378397061 | 0 | -0.14034302927476822 | 0 | 0.03182783967513231 | -0.057524902065865635 | -0.10559253049317144 | 0.03182783967513231 | -0.09815945941558532 | 0.030515149453333168 | -0.008213213435020567 Rentabilité ROA (rendement de l'actif) | 0.0023511841730103717 | 0.012250896342965088 | 0 | 0.014783345854698595 | 0 | 0.006412908238969311 | 0 | 0.016194076911043343 | 0.0023511841730103717 | 0.012250896342965088 | 0.010956370573103082 | 0.017798307209976546 | 0.01706156832542766 | 0.018998121490414625 ROE (rendement avoir des action.) | 0.027540723564809667 | 0.1235062043858538 | 0 | 0.15486151384148003 | 0 | 0.07724979698137946 | 0 | 0.19534602721218705 | 0.027540723564809667 | 0.1235062043858538 | 0.11978733622570949 | 0.17784013761266987 | 0.15873973726900506 | 0.18780239558858375 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7265999638428119 | 0.7758288881241188 | 0 | 0.7480743635451061 | 0 | 0.7430818906155263 | 0 | 0.7360296533034459 | 0.7265999638428119 | 0.7758288881241188 | 0.7567250680954185 | 0.7438871561707947 | 0.7581870521830335 | 0.7081852736079371 Rendement moyen des prêts | 0.12014482903510515 | 0.12065094548672055 | 0 | 0.1256322454387969 | 0 | 0.12477180299064285 | 0 | 0.12598274163437903 | 0.12014482903510515 | 0.12065094548672055 | 0.12312780632975993 | 0.1408633310661932 | 0.13427588350274616 | 0.12747944891409832 Rendement moyen des prêts productifs | 0.12808113194977452 | 0.12237616910096386 | 0 | 0.12734029101501654 | 0 | 0.12774798609108376 | 0 | 0.13120950464970205 | 0.12808113194977452 | 0.12237616910096386 | 0.12751218829470384 | 0.14309615667796707 | 0.13602181467745952 | 0.12802659839796074 Rémunération moyenne des dépôts | 0.015506216519273159 | 0.017502141109453466 | 0 | 0.021844890168263447 | 0 | 0.01686857881220145 | 0 | 0.016017987007527094 | 0.015506216519273159 | 0.017502141109453466 | 0.01675649045222914 | 0.023804172036362935 | 0.02370310842082762 | 0.02716349695726138 Dépenses d'exploitation en % du produit net bancaire | 0.7261392571065934 | 0.602651633293291 | 0 | 0.6172916479885232 | 0 | 0.7804203446984224 | 0 | 0.7591414674378956 | 0.7261392571065934 | 0.602651633293291 | 0.7158666312225299 | 0.6222613343159268 | 0.5985569077786781 | 0.6063052807866371 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5027.303319829422 | 5233.734855721171 | 0 | 5820.873002217075 | 0 | 4358.543166911083 | 0 | 4545.832566685721 | 5027.303319829422 | 5233.734855721171 | 4810.9360983483275 | 5877.378218485537 | 5952.315043404255 | 5492.893104321223 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 911980.505631775 | 0 | 0 | 0 | 0 | 0 | 0 | -0.17053612842374338 | 1099481.89051165 | -0.2861222195229068 | 1540154.2400953462 | -0.031599951812533736 | 1590411.1559866401 | 1.510231698024057 | 633571.457662072 Avoirs à la BRH | 16149605.89443703 | 0 | 0 | 0 | 0 | 0 | 0 | -0.2027408311229992 | 20256406.605125606 | 0.9717782488178013 | 10273166.67950391 | 0.13264892289685518 | 9070036.153152673 | 0.36011203590187385 | 6668594.875817301 Avoirs à l'étranger | 1364099.720982831 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5169246733432166 | 899253.4335778401 | 0.9024526015579162 | 472681.1237459701 | -0.5208401561612379 | 986479.0003250521 | 0.6914201181762271 | 583225.29673392 Avoirs dans les banques locales | 84328.688359958 | 0 | 0 | 0 | 0 | 0 | 0 | 0.032272766408890464 | 81692.253350172 | 0.03381154632111516 | 79020.44975303201 | 1.8189835634219538 | 28031.539728848 | 0.3978477700396635 | 20053.356545436 Autres liquidités | 48.341 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9930791138803836 | 6984.7992243339995 | -0.9892304438857948 | 648568.905743564 | 145.57908516374027 | 4424.70291733 | -0.9815620704686021 | 239978.29635888204 18510063.15041159 | 0 | 0 | 0 | 0 | 0 | 0 | -0.17158015084630587 | 22343818.981789604 | 0.7169602377233196 | 13013591.398841823 | 0.11423624842994619 | 11679382.552110543 | 0.43385827183683584 | 8145423.283117611 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | -0.5714285714285714 | 700000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 5879008.223214399 | 0 | 0 | 0 | 0 | 0 | 0 | 3.1121321779966564 | 1429673.942552724 | -0.31945176651819684 | 2100767.987065756 | 5.048690190781261 | 347309.5696432779 | -0.09197085601037616 | 382487.24938199413 Portefeuille net | 13391292.247499876 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03974272659689615 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105 | -0.1845108316332431 | 15103214.604820965 | 0.3496547395835216 | 11190428.308710668 Immobilisations | 1030060.6353700001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.008942094848062012 | 1039354.6431699999 | 0.017672521729910826 | 1021305.5977999999 | -0.054562497938878164 | 1080246.5478400001 | 0.4968205941162512 | 721694.0708100001 Autres actifs | 1002789.401315024 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1939991417923951 | 839857.723691214 | 1.0431598222636596 | 411058.26110104204 | 0.4112705270713968 | 291268.22477760597 | 0.24131222255480253 | 234645.417555088 39813213.65781089 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03324704862013651 | 38532133.92767971 | 0.3349903103594114 | 28863231.162558727 | 0.0021460629423471185 | 28801421.49919239 | 0.34745520166920657 | 21374678.329575364 PASSIF Dépôts À vue | 13879708.585220747 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06599198798001644 | 13020462.387828887 | 0.3997158661078782 | 9302218.188062876 | 0.058522628643998695 | 8787925.67711029 | 0.6699392716873728 | 5262422.308465518 Épargne | 6881361.233152483 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026510315671729425 | 6703645.475447021 | 0.5715754988189116 | 4265557.385238585 | 0.012685015972899253 | 4212126.49339006 | 0.35504822507160944 | 3108469.806059828 À terme | 11615199.367836019 | 0 | 0 | 0 | 0 | 0 | 0 | -0.015788922815404692 | 11801532.859254247 | 0.4183750760247676 | 8320459.840798957 | -0.09182989440362267 | 9161785.64954533 | 0.34373294946043353 | 6818159.555605287 32376269.186209247 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026982115008091775 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416 | -0.012345655092637974 | 22161837.82004568 | 0.45906658962962615 | 15189051.670130633 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1403588.039140898 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08149932710700773 | 1297816.839974808 | 0.13693577756413608 | 1141504.089839935 | 0.05578435173708526 | 1081190.57453524 | 0.360333677075704 | 794798.0651772621 1403588.039140898 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08149932710700773 | 1297816.839974808 | -0.15808407611194256 | 1541504.089839935 | 0.42574688139744954 | 1081190.57453524 | 0.360333677075704 | 794798.0651772621 Obligations à terme Banques locales | 1795605.81531 | 0 | 0 | 0 | 0 | 0 | 0 | -0.026224657783909207 | 1843963.11702 | -0.0949395973346621 | 2037392.32386 | -0.09325938767307816 | 2246940.63127 | -0.07111899238747652 | 2418975.74916 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 507758.89200395194 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24259664228671407 | 408627.28477162 | 0.7748804538862697 | 230228.060643122 | 0.055682012204758 | 218084.66752436 | 0.022614920898827683 | 213261.76947689598 2303364.707313952 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022540407471304202 | 2252590.40179162 | -0.006628085906360925 | 2267620.384503122 | -0.0800823076289677 | 2465025.29879436 | -0.0635247460225881 | 2632237.5186368963 Autres passifs | 277952.14347259275 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2651988656560301 | 219690.4779300993 | -0.07668787240718367 | 237937.39014655672 | -0.04901797254718011 | 250201.773827278 | 0.19851437644447717 | 208759.927076994 36361174.076136686 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030185956745286492 | 35295738.442226686 | 0.36091512902625705 | 25935297.27859003 | -0.0008844272544251432 | 25958255.467202555 | 0.3789357872382779 | 18824847.181021787 AVOIR DES ACTIONNAIRES Capital versé | 729186.76157 | 0 | 0 | 0 | 0 | 0 | 0 | -0.008498351356080689 | 735436.76157 | 0.011517575156672042 | 727062.76157 | -0.0019766568858251804 | 728502.76157 | -0.0019096203830547042 | 729896.58697 Réserves | 294604.93022 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 294604.93022 | 0.3220504094004487 | 222839.40772999998 | -0.3811730144418679 | 360099.69334 | 0.4433476413619808 | 249489.23116 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1210135.63001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.049836344566076635 | 1273607.57601 | 0.09562173076627604 | 1162451.9122300001 | -0.006528828273013114 | 1170091.23698 | 4.305490661047279e-05 | 1170040.86098 BNR | 1218112.259654 | 0 | 0 | 0 | 0 | 0 | 0 | 0.30594178349617024 | 932746.2181299999 | 0.14366027130572492 | 815579.80244 | 0.39541214611327813 | 584472.340098 | 0.459704835230839 | 400404.46944575 3452039.581454 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06663094682386544 | 3236395.48593 | 0.10535128666968242 | 2927933.88397 | 0.02981459789132624 | 2843166.031988 | 0.11504090519813354 | 2549831.14855575 39813213.65759069 | 0 | 0 | 0 | 0 | 0 | 0 | 0.033247048601631475 | 38532133.92815669 | 0.33499031037587657 | 28863231.16256003 | 0.002146062942456292 | 28801421.499190554 | 0.3474552016689837 | 21374678.329577535 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 | 2512948.538146832 | 0 | 0 | 0 | 3234982.958983928 | 1429968.6171458 | 1541318.249651364 | 1187232.1703575342 Portefeuille brut | 14569656.001132907 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07618133406781398 | 13538290.93658562 | 0.062177037052262754 | 12745795.158740086 | -0.16761516767883 | 15312382.763147477 | 0.3603181284870412 | 11256471.881454712 Provisions pour créances douteuses | 1178363.753633032 | 0 | 0 | 0 | 0 | 0 | 0 | 0.7884825910319639 | 658862.300109452 | 0.5347819296703217 | 429287.24098998134 | 1.0523546433863178 | 209168.15832651197 | 2.1671236069731754 | 66043.57274404401 Portefeuille de crédit improductif | 979785.5147823989 | 0 | 0 | 0 | 0 | 0 | 0 | 0.28602753996608365 | 761869.776760954 | 4.369710744461202 | 141882.83373491102 | -0.5205491465497999 | 295927.794713266 | 5.561407817718359 | 45101.265297692 [buhcomp] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 911980.505631775 | 0.02290647807208236 | 0 | 0 | 0 | 0 | 0 | 0 | 1099481.89051165 | 0.028534155221593704 | 1540154.2400953462 | 0.05336042355830308 | 1590411.1559866401 | 0.05521988406132094 | 633571.457662072 | 0.02964121601705801 Avoirs à la BRH | 16149605.89443703 | 0.4056343211387224 | 0 | 0 | 0 | 0 | 0 | 0 | 20256406.605125606 | 0.5257016557438657 | 10273166.67950391 | 0.35592573200294436 | 9070036.153152673 | 0.31491626735878303 | 6668594.875817301 | 0.3119857418668242 Avoirs à l'étranger | 1364099.720982831 | 0.03426248714075385 | 0 | 0 | 0 | 0 | 0 | 0 | 899253.4335778401 | 0.02333775324423073 | 472681.1237459701 | 0.01637658379561919 | 986479.0003250521 | 0.03425105251672087 | 583225.29673392 | 0.02728580462083176 Avoirs dans les banques locales | 84328.688359958 | 0.002118108050376227 | 0 | 0 | 0 | 0 | 0 | 0 | 81692.253350172 | 0.002120107168305258 | 79020.44975303201 | 0.0027377548032646126 | 28031.539728848 | 0.0009732693134480888 | 20053.356545436 | 0.000938182845899903 Autres liquidités | 48.341 | 1.2141948754874265e-06 | 0 | 0 | 0 | 0 | 0 | 0 | 6984.7992243339995 | 0.00018127205821104138 | 648568.905743564 | 0.022470419271175886 | 4424.70291733 | 0.0001536279352550037 | 239978.29635888204 | 0.011227223757881438 18510063.15041159 | 0.4649226085968102 | 0 | 0 | 0 | 0 | 0 | 0 | 22343818.981789604 | 0.5798749434362065 | 13013591.398841823 | 0.45087091343130714 | 11679382.552110543 | 0.40551410118552794 | 8145423.283117611 | 0.38107816910849535 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.01041615255026257 | 700000 | 0.03274903084887296 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 5879008.223214399 | 0.1476647495412872 | 0 | 0 | 0 | 0 | 0 | 0 | 1429673.942552724 | 0.0371034198426709 | 2100767.987065756 | 0.07278353470663619 | 347309.5696432779 | 0.012058764865234748 | 382487.24938199413 | 0.01789440961330213 Portefeuille net | 13391292.247499876 | 0.3363529596629952 | 0 | 0 | 0 | 0 | 0 | 0 | 12879428.636476168 | 0.33425163165500626 | 12316507.917750105 | 0.4267196506303505 | 15103214.604820965 | 0.5243912910772293 | 11190428.308710668 | 0.5235366884200957 Immobilisations | 1030060.6353700001 | 0.02587233083526565 | 0 | 0 | 0 | 0 | 0 | 0 | 1039354.6431699999 | 0.026973710958254907 | 1021305.5977999999 | 0.035384312728120114 | 1080246.5478400001 | 0.03750670944731985 | 721694.0708100001 | 0.033763973412007715 Autres actifs | 1002789.401315024 | 0.025187351363641763 | 0 | 0 | 0 | 0 | 0 | 0 | 839857.723691214 | 0.02179629410786146 | 411058.26110104204 | 0.014241588503586018 | 291268.22477760597 | 0.010112980874425706 | 234645.417555088 | 0.010977728597226078 39813213.65781089 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 38532133.92767971 | 1 | 28863231.162558727 | 1 | 28801421.49919239 | 1 | 21374678.329575364 | 1 PASSIF Dépôts À vue | 13879708.585220747 | 0.3486206540500583 | 0 | 0 | 0 | 0 | 0 | 0 | 13020462.387828887 | 0.33791179103308333 | 9302218.188062876 | 0.32228609942083264 | 8787925.67711029 | 0.3051212481771675 | 5262422.308465518 | 0.24619890074247788 Épargne | 6881361.233152483 | 0.17284113993652556 | 0 | 0 | 0 | 0 | 0 | 0 | 6703645.475447021 | 0.1739754535274111 | 4265557.385238585 | 0.14778516518870727 | 4212126.49339006 | 0.14624717372051135 | 3108469.806059828 | 0.14542767653063352 À terme | 11615199.367836019 | 0.2917423212219708 | 0 | 0 | 0 | 0 | 0 | 0 | 11801532.859254247 | 0.3062776871222429 | 8320459.840798957 | 0.2882719468911099 | 9161785.64954533 | 0.31810185652823536 | 6818159.555605287 | 0.3189830251700793 32376269.186209247 | 0.8132041152085546 | 0 | 0 | 0 | 0 | 0 | 0 | 31525640.722530156 | 0.8181649316827374 | 21888235.414100416 | 0.7583432115006496 | 22161837.82004568 | 0.7694702784259142 | 15189051.670130633 | 0.7106096024431907 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0.013858462268038739 | 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 | 1403588.039140898 | 0.035254326646538624 | 0 | 0 | 0 | 0 | 0 | 0 | 1297816.839974808 | 0.03368141620214073 | 1141504.089839935 | 0.039548728394646605 | 1081190.57453524 | 0.03753948653421697 | 794798.0651772621 | 0.037184094793021 1403588.039140898 | 0.035254326646538624 | 0 | 0 | 0 | 0 | 0 | 0 | 1297816.839974808 | 0.03368141620214073 | 1541504.089839935 | 0.053407190662685344 | 1081190.57453524 | 0.03753948653421697 | 794798.0651772621 | 0.037184094793021 Obligations à terme Banques locales | 1795605.81531 | 0.04510075048809136 | 0 | 0 | 0 | 0 | 0 | 0 | 1843963.11702 | 0.04785520367184704 | 2037392.32386 | 0.07058781161351392 | 2246940.63127 | 0.07801492128897199 | 2418975.74916 | 0.11317015918845204 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 507758.89200395194 | 0.012753526916165823 | 0 | 0 | 0 | 0 | 0 | 0 | 408627.28477162 | 0.010604844401780743 | 230228.060643122 | 0.007976517228666102 | 218084.66752436 | 0.0075720105526900896 | 213261.76947689598 | 0.009977308953548716 2303364.707313952 | 0.057854277404257186 | 0 | 0 | 0 | 0 | 0 | 0 | 2252590.40179162 | 0.058460048073627785 | 2267620.384503122 | 0.07856432884218002 | 2465025.29879436 | 0.08558693184166208 | 2632237.5186368963 | 0.12314746814200077 Autres passifs | 277952.14347259275 | 0.006981404361415115 | 0 | 0 | 0 | 0 | 0 | 0 | 219690.4779300993 | 0.005701487447916394 | 237937.39014655672 | 0.008243615858754171 | 250201.773827278 | 0.008687132815104068 | 208759.927076994 | 0.009766693274075639 36361174.076136686 | 0.9132941236207655 | 0 | 0 | 0 | 0 | 0 | 0 | 35295738.442226686 | 0.9160078834064224 | 25935297.27859003 | 0.8985583468642693 | 25958255.467202555 | 0.9012838296168972 | 18824847.181021787 | 0.8807078586522882 AVOIR DES ACTIONNAIRES Capital versé | 729186.76157 | 0.018315194745072833 | 0 | 0 | 0 | 0 | 0 | 0 | 735436.76157 | 0.019086323195863703 | 727062.76157 | 0.025189929619284724 | 728502.76157 | 0.025293986326002264 | 729896.58697 | 0.034147722633096594 Réserves | 294604.93022 | 0.007399677221539787 | 0 | 0 | 0 | 0 | 0 | 0 | 294604.93022 | 0.007645694649897637 | 222839.40772999998 | 0.007720528809645762 | 360099.69334 | 0.012502844463774034 | 249489.23116 | 0.011672186468172054 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 | 1210135.63001 | 0.030395326546883396 | 0 | 0 | 0 | 0 | 0 | 0 | 1273607.57601 | 0.03305312854980759 | 1162451.9122300001 | 0.04027448991012234 | 1170091.23698 | 0.0406261627403637 | 1170040.86098 | 0.05473957750096558 BNR | 1218112.259654 | 0.03059567786020761 | 0 | 0 | 0 | 0 | 0 | 0 | 932746.2181299999 | 0.02420697021038739 | 815579.80244 | 0.02825670479672307 | 584472.340098 | 0.02029317685289905 | 400404.46944575 | 0.018732654745579256 3452039.581454 | 0.08670587637370364 | 0 | 0 | 0 | 0 | 0 | 0 | 3236395.48593 | 0.08399211660595632 | 2927933.88397 | 0.10144165313577588 | 2843166.031988 | 0.09871617038303905 | 2549831.14855575 | 0.11929214134781348 39813213.65759069 | 0.9999999999944691 | 0 | 0 | 0 | 0 | 0 | 0 | 38532133.92815669 | 1.0000000000123788 | 28863231.16256003 | 1.000000000000045 | 28801421.499190554 | 0.9999999999999363 | 21374678.329577535 | 1.0000000000001017 [buhgdes&$] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 260317.85812177497 | 651662.64751 | 911980.505631775 | 0.28544234938600976 | 312795.36233165005 | 786686.5281799999 | 1099481.89051165 | 0.2844934191558981 Avoirs à la BRH | 12616428.93930703 | 3533176.95513 | 16149605.89443703 | 0.7812220943207627 | 16399007.092755606 | 3857399.5123699997 | 20256406.605125606 | 0.8095713821525513 Avoirs à l'étranger | 1364099.720982831 | 0 | 1364099.720982831 | 1 | 899253.4335778401 | 0 | 899253.4335778401 | 1 Avoirs dans les banques locales | 50238.816269958 | 34089.872090000004 | 84328.688359958 | 0.5957500021287301 | 48946.931260172 | 32745.32209 | 81692.253350172 | 0.5991624573062281 Autres liquidités | 0 | 48.341 | 48.341 | 0 | 605.107914334 | 6379.691309999999 | 6984.7992243339995 | 0 14291085.334681595 | 4218977.81573 | 18510063.150411595 | 0.7720711279347426 | 17660607.9278396 | 4683211.053949999 | 22343818.981789596 | 0.7904023901300465 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 Autres Placements | 4658441.203294398 | 1220567.0199199999 | 5879008.223214398 | 0.7923855566147441 | 148457.16263272398 | 1281216.7799200001 | 1429673.9425527242 | 0.10383987440356465 Portefeuille net | 5201728.468719876 | 8189563.778779998 | 13391292.247499876 | 0.38844111326829023 | 4710043.98524627 | 8169384.651229898 | 12879428.636476168 | 0.36570286758737347 Immobilisations | 0 | 1030060.6353700001 | 1030060.6353700001 | 0 | 0 | 1039354.6431699999 | 1039354.6431699999 | 0 Autres actifs | -669455.5734845162 | 1672244.9747995404 | 1002789.4013150241 | -0.6675933876112121 | 155389.59842828318 | 684468.1252629308 | 839857.7236912139 | 0.18501895505031335 23481799.433211353 | 16331414.224599538 | 39813213.65781089 | 0.5897991464601224 | 22674498.674146876 | 15857635.253532827 | 38532133.9276797 | 0.5884568634767089 PASSIF Dépôts À vue | 9676947.648970746 | 4202760.93625 | 13879708.585220747 | 0.697201067987469 | 8571389.477888886 | 4449072.90994 | 13020462.387828887 | 0.6583014659987151 Épargne | 4385599.641552483 | 2495761.5916 | 6881361.233152483 | 0.637315713121393 | 4325570.438717022 | 2378075.03673 | 6703645.475447021 | 0.6452564436111649 À terme | 8499225.47310602 | 3115973.8947299994 | 11615199.367836019 | 0.7317330683657026 | 8677309.410334246 | 3124223.44892 | 11801532.859254247 | 0.7352696902868748 22561772.763629247 | 9814496.42258 | 32376269.186209247 | 0.6968614151886126 | 21574269.326940157 | 9951371.39559 | 31525640.722530156 | 0.6843403918995328 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 | 718369.828850898 | 685218.21029 | 1403588.0391408978 | 0.5118095971312172 | 669056.003174808 | 628760.8368 | 1297816.839974808 | 0.515524211558077 718369.828850898 | 685218.21029 | 1403588.0391408978 | 0.5118095971312172 | 669056.003174808 | 628760.8368 | 1297816.839974808 | 0.515524211558077 Obligations à terme Banques locales | 0 | 1795605.81531 | 1795605.81531 | 0 | 0 | 1843963.11702 | 1843963.11702 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 283475.478809952 | 224283.413194 | 507758.89200395194 | 0.5582875716684557 | 286361.68415161996 | 122265.60062000001 | 408627.28477161995 | 0.7007894353204199 283475.478809952 | 2019889.228504 | 2303364.707313952 | 0.12307016683455411 | 286361.68415161996 | 1966228.71764 | 2252590.40179162 | 0.12712550134452288 Autres passifs | 250816.56125578197 | 27135.58221681079 | 277952.14347259275 | 0.9023731859816132 | 168651.96300930998 | 51038.51492078931 | 219690.4779300993 | 0.7676798949063752 23814434.63254588 | 12546739.44359081 | 36361174.076136686 | 0.6549413003738774 | 16605368.690802557 | 9352886.7764 | 35295738.442226686 | 0.47046384134965225 AVOIR DES ACTIONNAIRES Capital versé | 0 | 729186.76157 | 729186.76157 | 0 | 0 | 735436.76157 | 735436.76157 | 0 Réserves | 0 | 294604.93022 | 294604.93022 | 0 | 0 | 294604.93022 | 294604.93022 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1210135.63001 | 1210135.63001 | 0 | 0 | 1273607.57601 | 1273607.57601 | 0 BNR | 0 | 1218112.259654 | 1218112.259654 | 0 | 0 | 932746.2181299999 | 932746.2181299999 | 0 0 | 3452039.581454 | 3452039.581454 | 0 | 3236395.48593 | 3236395.48593 | 0 23814434.63254588 | 15998779.02504481 | 39813213.65759069 | 0.5981540409513132 | 22698338.977275893 | 15833794.950880788 | 38532133.92815668 | 0.5890755757155064 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes [buhrésult] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 422128.05991999997 | 0 | 0 | 0 | 0 | 0 | 0 | 385372.63887 | 0.013030410655837881 | 390394.20261000004 | 0.06691386405165525 | 416516.98720999993 | 0.022448340733065664 | 425867.10245999997 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 30906.28536 | 0 | 0 | 0 | 0 | 0 | 0 | 66252.85307142 | 0.025321278698013937 | 67930.46002858 | -0.24205222611579758 | 51487.740957592 | -0.3062345168371399 | 35720.417482408 453034.34527999995 | 0 | 0 | 0 | 0 | 0 | 0 | 451625.49194142 | 0.014833464489265258 | 458324.66263858 | 0.02112054252826742 | 468004.72816759197 | -0.013711844857443424 | 461587.51994240796 Dépenses d'intérêt | 123859.60638000001 | 0 | 0 | 0 | 0 | 0 | 0 | 101241.38868 | 0.029113268936916552 | 104188.85645618774 | 0.15404750597655026 | 120238.88994381226 | 0.013361132383528165 | 121845.41767000001 329174.73889999994 | 0 | 0 | 0 | 0 | 0 | 0 | 350384.10326142004 | 0.010707400495772847 | 354135.8061823923 | -0.01798735922041118 | 347765.8382237797 | -0.023072237320241402 | 339742.10227240797 AUTRES REVENUS Commissions | 100420.25478 | 0 | 0 | 0 | 0 | 0 | 0 | 60585.13935000001 | 0.18693364414948704 | 71910.54023 | 0.46931522224777394 | 105659.25139999994 | -0.03265680534624632 | 102208.75779400003 Gains sur change | 110398.42405999989 | 0 | 0 | 0 | 0 | 0 | 0 | 83927.00016 | -0.8327380794829115 | 14037.791229999588 | -0.3879051284337516 | 8592.460020000406 | 3.4428020510007795 | 38174.599 Autres | 49457.89650999999 | 0 | 0 | 0 | 0 | 0 | 0 | 41561.57994 | 0.46955011835866184 | 61076.82471999999 | -0.16169662560676784 | 51200.90825999997 | 0.06595953948415409 | 54578.09658999999 260276.57534999988 | 0 | 0 | 0 | 0 | 0 | 0 | 186073.71945 | -0.20985533790274552 | 147025.15617999958 | 0.12533544584329762 | 165452.6196800003 | 0.1783521697092034 | 194961.453384 PRODUIT NET BANCAIRE | 589451.3142499998 | 0 | 0 | 0 | 0 | 0 | 0 | 536457.82271142 | -0.06579615182164207 | 501160.9623623919 | 0.024059127599546107 | 513218.45790378 | 0.041863454873355466 | 534703.555656408 Dotation à la provision pour créances douteuses | 128533.94244999999 | 0 | 0 | 0 | 0 | 0 | 0 | 82072.62491244498 | -0.5290601597208796 | 38651.268867555 | -0.17740301284936133 | 31794.417320000022 | -3.748321756632209 | -87381.28886 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 460917.37179999985 | 0 | 0 | 0 | 0 | 0 | 0 | 454385.19779897504 | 0.017880194458834854 | 462509.69349483686 | 0.040895028482585236 | 481424.04058378 | 0.29217652646108233 | 622084.8445164079 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 177431.53713 | 0 | 0 | 0 | 0 | 0 | 0 | 135595.80228 | 0.15533427507222083 | 156658.47793 | 0.08968186711400157 | 170707.90273 | -0.14744032799588033 | 145538.67355999997 Frais de locaux | 60601.48412000001 | 0 | 0 | 0 | 0 | 0 | 0 | 59566.53534 | 0.058481214615817366 | 63050.05867713921 | 0.013716812543350781 | 63914.9045128608 | 0.0653568102616608 | 68092.17880000001 Amortissement | 20015.33565 | 0 | 0 | 0 | 0 | 0 | 0 | 30866.0522 | 0.04354827599235379 | 32210.215559999997 | -0.05439350962232451 | 30458.18888999999 | 0.05675126043254446 | 32186.729500000012 Autres dépenses d'exploitation | 169975.38253 | 0 | 0 | 0 | 0 | 0 | 0 | 97268.79323000001 | 0.1443687042235139 | 111311.36287000001 | 0.21681314645464989 | 135445.12969 | 0.18201415135184562 | 160098.06002526602 428023.73943 | 0 | 0 | 0 | 0 | 0 | 0 | 323297.18305 | 0.12351772326133549 | 363230.1150371392 | 0.10267874067079522 | 400526.12582286075 | 0.013456091163423514 | 405915.641885266 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 32893.63236999983 | 0 | 0 | 0 | 0 | 0 | 0 | 131088.01474897505 | -0.24264946228828377 | 99279.57845769764 | -0.18515050106312364 | 80897.91476091923 | 1.6721232960082497 | 216169.20263114193 Impôts sur le revenu | 9868.0897109996 | 0 | 0 | 0 | 0 | 0 | 0 | 39326.4044246925 | -0.24264946228828377 | 29783.87353730928 | -0.18515050106312325 | 24269.37442827577 | 1.672123296008252 | 64850.76078934263 BÉNÉFICE NET (PERTE NETTE) | 23025.54265900023 | 0 | 0 | 0 | 0 | 0 | 0 | 91761.61032428255 | -0.2426494622882837 | 69495.70492038837 | -0.1851505010631238 | 56628.54033264346 | 1.6721232960082488 | 151318.4418417993 0 | 0 | 0 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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 | 422128.05991999997 | 0.09537631202302056 | 385372.63887 | 0 | 0 | 390394.20261000004 | 0 | 0 | 416516.98720999993 | 0 | 0 | 425867.10245999997 | 422128.05991999997 | 0.09537631202302056 | 385372.63887 | 1618150.9311499998 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 30906.28536 | -0.5335101217953091 | 66252.85307142 | 0 | 0 | 67930.46002858 | 0 | 0 | 51487.740957592 | 0 | 0 | 35720.417482408 | 30906.28536 | -0.5335101217953091 | 66252.85307142 | 221391.47154 453034.34527999995 | 0.003119516864567688 | 451625.49194142 | 0 | 0 | 458324.66263858 | 0 | 0 | 468004.72816759197 | 0 | 0 | 461587.51994240796 | 453034.34527999995 | 0.003119516864567688 | 451625.49194142 | 1839542.40269 Dépenses d'intérêt | 123859.60638000001 | 0.22340880537989088 | 101241.38868 | 0 | 0 | 104188.85645618774 | 0 | 0 | 120238.88994381226 | 0 | 0 | 121845.41767000001 | 123859.60638000001 | 0.22340880537989088 | 101241.38868 | 447514.55275000003 329174.73889999994 | -0.06053175404934363 | 350384.10326142004 | 0 | 0 | 354135.8061823923 | 0 | 0 | 347765.8382237797 | 0 | 0 | 339742.10227240797 | 329174.73889999994 | -0.06053175404934363 | 350384.10326142004 | 1392027.8499399999 AUTRES REVENUS Commissions | 100420.25478 | 0.6575063762727812 | 60585.13935000001 | 0 | 0 | 71910.54023 | 0 | 0 | 105659.25139999994 | 0 | 0 | 102208.75779400003 | 100420.25478 | 0.6575063762727812 | 60585.13935000001 | 340363.688774 Gains sur change | 110398.42405999989 | 0.31541010460917557 | 83927.00016 | 0 | 0 | 14037.791229999588 | 0 | 0 | 8592.460020000406 | 0 | 0 | 38174.599 | 110398.42405999989 | 0.31541010460917557 | 83927.00016 | 144731.85041 Autres | 49457.89650999999 | 0.18999076987447142 | 41561.57994 | 0 | 0 | 61076.82471999999 | 0 | 0 | 51200.90825999997 | 0 | 0 | 54578.09658999999 | 49457.89650999999 | 0.18999076987447142 | 41561.57994 | 208417.40950999997 260276.57534999988 | 0.3987820317631635 | 186073.71945 | 0 | 0 | 147025.15617999958 | 0 | 0 | 165452.6196800003 | 0 | 0 | 194961.453384 | 260276.57534999988 | 0.3987820317631635 | 186073.71945 | 693512.948694 PRODUIT NET BANCAIRE | 589451.3142499998 | 0.09878407825378457 | 536457.82271142 | 0 | 0 | 501160.9623623919 | 0 | 0 | 513218.45790378 | 0 | 0 | 534703.555656408 | 589451.3142499998 | 0.09878407825378457 | 536457.82271142 | 2085540.798634 Dotation à la provision pour créances douteuses | 128533.94244999999 | 0.5661000557386815 | 82072.62491244498 | 0 | 0 | 38651.268867555 | 0 | 0 | 31794.417320000022 | 0 | 0 | -87381.28886 | 128533.94244999999 | 0.5661000557386815 | 82072.62491244498 | 65137.02223999999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 460917.37179999985 | 0.014375851221972921 | 454385.19779897504 | 0 | 0 | 462509.69349483686 | 0 | 0 | 481424.04058378 | 0 | 0 | 622084.8445164079 | 460917.37179999985 | 0.014375851221972921 | 454385.19779897504 | 2020403.7763939998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 177431.53713 | 0.308532669496736 | 135595.80228 | 0 | 0 | 156658.47793 | 0 | 0 | 170707.90273 | 0 | 0 | 145538.67355999997 | 177431.53713 | 0.308532669496736 | 135595.80228 | 608500.8565 Frais de locaux | 60601.48412000001 | 0.017374668076506696 | 59566.53534 | 0 | 0 | 63050.05867713921 | 0 | 0 | 63914.9045128608 | 0 | 0 | 68092.17880000001 | 60601.48412000001 | 0.017374668076506696 | 59566.53534 | 254623.67733000003 Amortissement | 20015.33565 | -0.35154209160574146 | 30866.0522 | 0 | 0 | 32210.215559999997 | 0 | 0 | 30458.18888999999 | 0 | 0 | 32186.729500000012 | 20015.33565 | -0.35154209160574146 | 30866.0522 | 125721.18615 Autres dépenses d'exploitation | 169975.38253 | 0.7474811487388285 | 97268.79323000001 | 0 | 0 | 111311.36287000001 | 0 | 0 | 135445.12969 | 0 | 0 | 160098.06002526602 | 169975.38253 | 0.7474811487388285 | 97268.79323000001 | 504123.345815266 428023.73943 | 0.32393278342856263 | 323297.18305 | 0 | 0 | 363230.1150371392 | 0 | 0 | 400526.12582286075 | 0 | 0 | 405915.641885266 | 428023.73943 | 0.32393278342856263 | 323297.18305 | 1492969.065795266 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 32893.63236999983 | -0.7490721601590429 | 131088.01474897505 | 0 | 0 | 99279.57845769764 | 0 | 0 | 80897.91476091923 | 0 | 0 | 216169.20263114193 | 32893.63236999983 | -0.7490721601590429 | 131088.01474897505 | 527434.7105987337 Impôts sur le revenu | 9868.0897109996 | -0.7490721601590516 | 39326.4044246925 | 0 | 0 | 29783.87353730928 | 0 | 0 | 24269.37442827577 | 0 | 0 | 64850.76078934263 | 9868.0897109996 | -0.7490721601590516 | 39326.4044246925 | 158230.41317962017 BÉNÉFICE NET (PERTE NETTE) | 23025.54265900023 | -0.7490721601590391 | 91761.61032428255 | 0 | 0 | 69495.70492038837 | 0 | 0 | 56628.54033264346 | 0 | 0 | 151318.4418417993 | 23025.54265900023 | -0.7490721601590391 | 91761.61032428255 | 369204.2974191136 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 422128.05991999997 | 0.09537631202302056 | 385372.63887 | 1618150.9311499998 | -0.18117403792312956 | 1976184.2028625 | 0.10786429930434596 | 1783778.21553 | 0.41118161231659467 | 1264031.64551 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | -1 | 23511.14286 | 0.04762359467558138 | 22442.35714 | -0.2789359630205743 | 31123.944600000003 Autres | 30906.28536 | -0.5335101217953091 | 66252.85307142 | 221391.47154 | 3.670571433222289 | 47401.3672 | 0.9432274826592743 | 24393.112810000002 | 0.08939996835998403 | 22391.32873 453034.34527999995 | 0.003119516864567688 | 451625.49194142 | 1839542.40269 | -0.10138959675050671 | 2047096.7129225 | 0.11825707912029326 | 1830613.68548 | 0.38941062310837204 | 1317546.91884 Dépenses d'intérêt | 123859.60638000001 | 0.22340880537989088 | 101241.38868 | 447514.55275000003 | -0.1464333401215379 | 524287.76073999994 | 0.18438654030396023 | 442666.0916 | 0.15133832571097428 | 384479.59363 329174.73889999994 | -0.06053175404934363 | 350384.10326142004 | 1392027.8499399999 | -0.08588149029138811 | 1522808.9521825002 | 0.097166030545502 | 1387947.59388 | 0.4875106612136728 | 933067.3252099999 AUTRES REVENUS Commissions | 100420.25478 | 0.6575063762727812 | 60585.13935000001 | 340363.688774 | 0.049111274854980895 | 324430.4936299999 | 0.2884041580356194 | 251808.01506000003 | 0.12171206691205605 | 224485.42945 Gains sur change | 110398.42405999989 | 0.31541010460917557 | 83927.00016 | 144731.85041 | -0.3908119661197053 | 237581.57147 | 0.4532383765439991 | 163484.23996 | 0.050628347786426206 | 155606.15730999998 Autres | 49457.89650999999 | 0.18999076987447142 | 41561.57994 | 208417.40950999997 | 0.005116413736305116 | 207356.487926859 | 0.33716438074966887 | 155071.80038000003 | 0.25836634605021336 | 123232.63481 260276.57534999988 | 0.3987820317631635 | 186073.71945 | 693512.948694 | -0.0985946254684142 | 769368.553026859 | 0.3489078523493135 | 570364.0554000001 | 0.13319413403329824 | 503324.22157 PRODUIT NET BANCAIRE | 589451.3142499998 | 0.09878407825378457 | 536457.82271142 | 2085540.798634 | -0.09014864952899274 | 2292177.5052093593 | 0.17048658013759438 | 1958311.64928 | 0.36335503621558013 | 1436391.54678 Dotation à la provision pour créances douteuses | 128533.94244999999 | 0.5661000557386815 | 82072.62491244498 | 65137.02223999999 | -0.5093216673652304 | 132748.92716423233 | -0.23997048830030338 | 174662.85864 | 2.9449199995853053 | 44275.386739999994 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 460917.37179999985 | 0.014375851221972921 | 454385.19779897504 | 2020403.7763939998 | -0.06438036574332207 | 2159428.578045127 | 0.21068037013625956 | 1783648.79064 | 0.28124997168968285 | 1392116.16004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 177431.53713 | 0.308532669496736 | 135595.80228 | 608500.8565 | 0.03772653703583535 | 586378.8144400001 | 0.21340878298354737 | 483249.1924099999 | 0.3468627523064355 | 358796.16656000004 Frais de locaux | 60601.48412000001 | 0.017374668076506696 | 59566.53534 | 254623.67733000003 | -0.07233048407209214 | 274476.71068 | 0.27471728024617753 | 215323.59758 | 0.38336549129692954 | 155651.99430999998 Amortissement | 20015.33565 | -0.35154209160574146 | 30866.0522 | 125721.18615 | 0.05704353549281257 | 118936.6208 | 0.3058370156924815 | 91080.75462 | 0.5061696738011746 | 60471.77566 Autres dépenses d'exploitation | 169975.38253 | 0.7474811487388285 | 97268.79323000001 | 504123.345815266 | 0.12895125386205997 | 446541.286960528 | 0.167405553078459 | 382507.42065 | 0.2923777344801969 | 295971.84355999995 428023.73943 | 0.32393278342856263 | 323297.18305 | 1492969.065795266 | 0.04671813152424318 | 1426333.4328805283 | 0.21684092471391048 | 1172160.96526 | 0.3459318276478233 | 870891.78009 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 32893.63236999983 | -0.7490721601590429 | 131088.01474897505 | 527434.7105987337 | -0.2805371661814633 | 733095.1451645987 | 0.19887120354199625 | 611487.82538 | 0.1731757931942072 | 521224.37995 Impôts sur le revenu | 9868.0897109996 | -0.7490721601590516 | 39326.4044246925 | 158230.41317962017 | -0.2805371661814629 | 219928.54354937957 | 0.19887120354199594 | 183446.34761400003 | 0.17317579319420734 | 156367.313985 BÉNÉFICE NET (PERTE NETTE) | 23025.54265900023 | -0.7490721601590391 | 91761.61032428255 | 369204.2974191136 | -0.2805371661814634 | 513166.60161521914 | 0.19887120354199642 | 428041.477766 | 0.17317579319420726 | 364857.06596499996 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 39530490 | 0 | 0 | 0 | 0 | 0 | 0 | 0.016239840941026942 | 38898780 | 0.4847201474293192 | 26199402 | -0.12749715514287227 | 30027870 | 0.30405627182646927 | 23026514 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 0 | 0 | 0 | 0 | 0 | 440000 Prêts nets | 12071898 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012587579877621147 | 11921831 | 0.4975784283343544 | 7960739 | -0.3096787581337181 | 11531934 | 0.2434758389385495 | 9273951 Dépôts | 31432427 | 0 | 0 | 0 | 0 | 0 | 0 | 0.015038885936974536 | 30966722 | 0.5078596434812641 | 20536873 | -0.1483042224540113 | 24112921 | 0.27677891446696967 | 18885745 Avoir des Actionnaires | 4313138 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07028864113424634 | 4029883 | 0.17979171826575535 | 3415758 | 0.19457200621529208 | 2859399 | 0.3334304859230561 | 2144393 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 382934 | 0.30316591174378676 | 293849 | 0 | 0 | 291691 | 0 | 0 | 342322 | 0 | 0 | 387894 | 382934 | 0.30316591174378676 | 293849 Autres revenus | 500534 | 0.1624267871823574 | 430594 | 0 | 0 | 458848 | 0 | 0 | 492995 | 0 | 0 | 447032 | 500534 | 0.1624267871823574 | 430594 Dot. à la prov. pr créances douteuses | 21624 | 0.14219311219099937 | 18932 | 0 | 0 | 27993 | 0 | 0 | 29189 | 0 | 0 | 18439 | 21624 | 0.14219311219099937 | 18932 Dépenses d'exploitation | 490253 | 0.11555256205756466 | 439471 | 0 | 0 | 450332 | 0 | 0 | 477261 | 0 | 0 | 537625 | 490253 | 0.11555256205756466 | 439471 Bénéfice (perte) net | 315758 | 0.37110823555976274 | 230294 | 0 | 0 | 241391 | 0 | 0 | 289571 | 0 | 0 | 256697 | 315758 | 0.37110823555976274 | 230294 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.10910914587701796 | 0.12033321974357897 | 0 | 0.10337781237774364 | 0 | 0.10145767053468073 | 0 | 0.10359921313727577 | 0.10910914587701796 | 0.12033321974357897 | 0.10359921313727577 | 0.13037541849237627 | 0.0952248361272378 | 0.09312712293315437 Dépôts en % de l'actif | 0.7951438750190043 | 0.7893861214229783 | 0 | 0.7938251442710883 | 0 | 0.7932708684865774 | 0 | 0.7960846586962368 | 0.7951438750190043 | 0.7893861214229783 | 0.7960846586962368 | 0.7838680058422708 | 0.8030180295838499 | 0.8201738656576502 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.005374122210170579 | 0.00952266469451586 | 0 | 0.013330043549093564 | 0 | 0.010570565513785244 | 0 | 0.004266541929389752 | 0.005374122210170579 | 0.00952266469451586 | 0.004266541929389752 | 0.007614790344608182 | 0.00771156692827035 | 0.003676423186317951 Provisions pour créances douteuses en % des prêts improductifs bruts | 3.40737826468541 | 3.5923840828029934 | 0 | 1.4805886283780385 | 0 | 1.861731810268762 | 0 | 4.266213712168005 | 3.40737826468541 | 3.5923840828029934 | 4.266213712168005 | 4.6709410548086865 | 0.8499374413512668 | 0.97007335534968 Prêts improductifs nets en % de l'avoir des actionnaires | -0.03688590534316315 | -0.06370398588499479 | 0 | -0.019318737505888715 | 0 | -0.028838518396343743 | 0 | -0.04199030095910973 | -0.03688590534316315 | -0.06370398588499479 | -0.04199030095910973 | -0.06755074569100036 | 0.004697840350367332 | 0.0004775244090052523 Rentabilité ROA (rendement de l'actif) | 0.032208179420769825 | 0.03336798146833412 | 0 | 0.03089614726902001 | 0 | 0.03367184546570979 | 0 | 0.027038860349803677 | 0.032208179420769825 | 0.03336798146833412 | 0.031499650789018965 | 0.03708833677721373 | 0.035819170004876506 | 0.02473652191211013 ROE (rendement avoir des action.) | 0.3027756971964951 | 0.26673392134850654 | 0 | 0.2777222418048247 | 0 | 0.32892527328689025 | 0 | 0.26365356523203864 | 0.3027756971964951 | 0.26673392134850654 | 0.2754054352069889 | 0.33232252197036666 | 0.37978477122949955 | 0.26492047330513085 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7923433610666821 | 0.7646304208669223 | 0 | 0.7877494031608171 | 0 | 0.7959235703587021 | 0 | 0.79286147909074 | 0.7923433610666821 | 0.7646304208669223 | 0.7860901596732269 | 0.7121990318744932 | 0.7543258814124651 | 0.7883236027626626 Rendement moyen des prêts | 0.15380860495812324 | 0.16635889327623654 | 0 | 0.14637929929962457 | 0 | 0.15199273738950833 | 0 | 0.15763842318655025 | 0.15380860495812324 | 0.16635889327623654 | 0.15817093593204473 | 0.17517687234157814 | 0.1642953644965965 | 0.15362525833686036 Rendement moyen des prêts productifs | 0.15455414737226594 | 0.16780375965483182 | 0 | 0.14809219444648028 | 0 | 0.15381702411472062 | 0 | 0.15881153727301772 | 0.15455414737226594 | 0.16780375965483182 | 0.15906512222369967 | 0.1765311040190458 | 0.1652731115919503 | 0.15432852191630367 Rémunération moyenne des dépôts | 0.012866713935473704 | 0.016658034825003665 | 0 | 0.012704894008246105 | 0 | 0.012812880223162095 | 0 | 0.01343180660724761 | 0.012866713935473704 | 0.016658034825003665 | 0.013981043459199304 | 0.023385415843127966 | 0.020726968599444458 | 0.017076611398330867 Dépenses d'exploitation en % du produit net bancaire | 0.5549187972852441 | 0.6066329580104991 | 0 | 0.6000114584318736 | 0 | 0.5663817318954867 | 0 | 0.6439193413548027 | 0.5549187972852441 | 0.6066329580104991 | 0.6041727397791697 | 0.583526490831943 | 0.5863579816296305 | 0.6648575227664645 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4370.8991960420535 | 3739.0606451612903 | 0 | 3800.1974683544304 | 0 | 4179.288282703038 | 0 | 4115.47011706716 | 4370.8991960420535 | 3739.0606451612903 | 3980.501262626263 | 4014.313700384123 | 3603.8797953964195 | 2915.209173036831 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 966863 | 0 | 0 | 0 | 0 | 0 | 0 | -0.18277636764891086 | 1183107 | -0.023615958432744118 | 1211723 | 0.3364999740800914 | 906639 | 0.36873896043116594 | 662390 Avoirs à la BRH | 14461309 | 0 | 0 | 0 | 0 | 0 | 0 | 0.039885490639145225 | 13906636 | 0.43938520589584795 | 9661511 | -0.0971563002280118 | 10701200 | 0.34097948443742254 | 7980137 Avoirs à l'étranger | 5558614 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06252177734872395 | 5929326 | 0.6611487659175332 | 3569413 | 0.0525028771668686 | 3391357 | 1.211371421082043 | 1533599 Avoirs dans les banques locales | 31621 | 0 | 0 | 0 | 0 | 0 | 0 | -0.4780548998894079 | 60583 | 4.275426680599095 | 11484 | 4.04126426690079 | 2278 | 0.494750656167979 | 1524 Autres liquidités | 134420 | 0 | 0 | 0 | 0 | 0 | 0 | -0.4947680187629672 | 266056 | 0.792491982644784 | 148428 | 4.312954146830369 | 27937 | -0.892342552379778 | 259499 21152827 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00903605539811563 | 21345708 | 0.46177858278127826 | 14602559 | -0.02840111299105467 | 15029411 | 0.4399919939822647 | 10437149 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 0 | 0 | 0 | 0 | 0 | 440000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 3868880 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11144275719896247 | 3480953 | 0.41816572188909884 | 2454546 | 0.13000863661223822 | 2172148 | 0.4658966059922202 | 1481788 Portefeuille net | 12071898 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012587579877621147 | 11921831 | 0.4975784283343544 | 7960739 | -0.3096787581337181 | 11531934 | 0.2434758389385495 | 9273951 Immobilisations | 1173813 | 0 | 0 | 0 | 0 | 0 | 0 | 0.018657240995075996 | 1152314 | 0.3935096110241077 | 826915 | 0.028277427176920448 | 804175 | 0.017281161370956113 | 790514 Autres actifs | 1263072 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4895173672777703 | 847974 | 1.3910636894003265 | 354643 | -0.27653701943280523 | 490202 | -0.18721232540556315 | 603112 39530490 | 0 | 0 | 0 | 0 | 0 | 0 | 0.016239840941026942 | 38898780 | 0.4847201474293192 | 26199402 | -0.12749715514287227 | 30027870 | 0.30405627182646927 | 23026514 PASSIF Dépôts À vue | 14240123 | 0 | 0 | 0 | 0 | 0 | 0 | -0.015574186974306294 | 14465410 | 0.7091304323168086 | 8463608 | -0.12352628005108719 | 9656431 | 0.21007103586906 | 7980053 Épargne | 7872921 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06395267045610419 | 7399691 | 0.5216271314979276 | 4863012 | -0.12856025176536448 | 5580434 | 0.32483274693863984 | 4212180 À terme | 9319383 | 0 | 0 | 0 | 0 | 0 | 0 | 0.023925628193043856 | 9101621 | 0.2623164540828179 | 7210253 | -0.18767378213927446 | 8876056 | 0.3260685870138128 | 6693512 31432427 | 0 | 0 | 0 | 0 | 0 | 0 | 0.015038885936974536 | 30966722 | 0.5078596434812641 | 20536873 | -0.1483042224540113 | 24112921 | 0.27677891446696967 | 18885745 Obligations à vue Banques locales | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 0 | 0 | 400000 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1288152 | 0 | 0 | 0 | 0 | 0 | 0 | -0.042578667631903044 | 1345439 | 0.5299545825667105 | 879398 | -0.15489224707493454 | 1040575 | 0.7425776232652931 | 597147 1588152 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03481563278857496 | 1645439 | 0.8710970459336955 | 879398 | -0.3895507002412231 | 1440575 | 1.412429435298176 | 597147 Obligations à terme Banques locales | 552436 | 0 | 0 | 0 | 0 | 0 | 0 | -0.029458682651562533 | 569204 | -0.08657277839114694 | 623152 | 0.022214202522924494 | 609610 | 0.14627991636205004 | 531816 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 226021 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11989713759085932 | 201823 | 1.4073835510228425 | 83835 | -0.5356250657774478 | 180533 | 0.011587706272938671 | 178465 778457 | 0 | 0 | 0 | 0 | 0 | 0 | 0.009636497813954634 | 771027 | 0.09058158070799038 | 706987 | -0.10524170941209376 | 790143 | 0.1124371903514243 | 710281 Autres passifs | 1418316 | 0 | 0 | 0 | 0 | 0 | 0 | -0.045360834456814894 | 1485709 | 1.249758474589104 | 660386 | -0.19936908364369957 | 824832 | 0.19723404378850073 | 688948 35217352 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00999329000857125 | 34868897 | 0.5304354737986601 | 22783644 | -0.16139395551556804 | 27168471 | 0.30103982253526834 | 20882121 AVOIR DES ACTIONNAIRES Capital versé | 810000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 810000 | 0 | 810000 | 0 | 810000 | 0 | 810000 Réserves | 605876 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 605876 | 0.662630897236065 | 364408 | 0.017260101891269454 | 358225 | 0.3670101125739363 | 262050 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 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 2895878 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10841786204898296 | 2612623 | 0.16636725736015637 | 2239966 | 0.3255883867226105 | 1689790 | 0.5778288431209785 | 1070959 4313138 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07028864113424634 | 4029883 | 0.17979171826575535 | 3415758 | 0.19457200621529208 | 2859399 | 0.3334304859230561 | 2144393 39530490 | 0 | 0 | 0 | 0 | 0 | 0 | 0.016239840941026942 | 38898780 | 0.4847201474293192 | 26199402 | -0.12749715514287227 | 30027870 | 0.30405627182646927 | 23026514 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 | 256277 | 0 | 0 | 0 | 240645 | 244796 | 435120 | 154018 Portefeuille brut | 12297078 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012700719888362333 | 12142855 | 0.47108893500878507 | 8254331 | -0.2889111895683819 | 11608017 | 0.24721579466268062 | 9307144 Provisions pour créances douteuses | 225180 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01880338786738092 | 221024 | -0.24717294749175728 | 293592 | 2.8588383738811562 | 76083 | 1.2921399090169614 | 33193 Portefeuille de crédit improductif | 66086 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2755945027794935 | 51808 | -0.1757537188767799 | 62855 | -0.29783502390634076 | 89516 | 1.61612648683403 | 34217 0.018201979682702298 [capitalbkcomp ] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 966863 | 0.02445866469148245 | 0 | 0 | 0 | 0 | 0 | 0 | 1183107 | 0.030415015586607086 | 1211723 | 0.04625002509599265 | 906639 | 0.030193250470313078 | 662390 | 0.028766403807367454 Avoirs à la BRH | 14461309 | 0.36582670743519746 | 0 | 0 | 0 | 0 | 0 | 0 | 13906636 | 0.35750828175073873 | 9661511 | 0.36876837875917934 | 10701200 | 0.35637559374008215 | 7980137 | 0.3465629665002701 Avoirs à l'étranger | 5558614 | 0.14061586385597546 | 0 | 0 | 0 | 0 | 0 | 0 | 5929326 | 0.15242961347373876 | 3569413 | 0.13624024701021803 | 3391357 | 0.11294031178368628 | 1533599 | 0.06660144040908668 Avoirs dans les banques locales | 31621 | 0.0007999141928167347 | 0 | 0 | 0 | 0 | 0 | 0 | 60583 | 0.001557452444523967 | 11484 | 0.0004383306153323652 | 2278 | 7.58628567394224e-05 | 1524 | 6.618457314033726e-05 Autres liquidités | 134420 | 0.003400413200038755 | 0 | 0 | 0 | 0 | 0 | 0 | 266056 | 0.0068397003710656224 | 148428 | 0.005665320147383517 | 27937 | 0.0009303690205132765 | 259499 | 0.011269573848651168 21152827 | 0.535101563375511 | 0 | 0 | 0 | 0 | 0 | 0 | 21345708 | 0.5487500636266741 | 14602559 | 0.5573623016281058 | 15029411 | 0.5005153878713342 | 10437149 | 0.4532665691385157 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 0.003856162069864402 | 0 | 0 | 0 | 0 | 440000 | 0.01910840694340446 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 3868880 | 0.09787078278058278 | 0 | 0 | 0 | 0 | 0 | 0 | 3480953 | 0.08948745950387132 | 2454546 | 0.09368710018648517 | 2172148 | 0.07233773158069487 | 1481788 | 0.0643513820633032 Portefeuille net | 12071898 | 0.30538194694778636 | 0 | 0 | 0 | 0 | 0 | 0 | 11921831 | 0.3064834167035573 | 7960739 | 0.303851935246461 | 11531934 | 0.38404102588695105 | 9273951 | 0.40275097654816533 Immobilisations | 1173813 | 0.0296938641539733 | 0 | 0 | 0 | 0 | 0 | 0 | 1152314 | 0.02962339692915819 | 826915 | 0.031562361614207834 | 804175 | 0.026780953827227838 | 790514 | 0.03433059819649644 Autres actifs | 1263072 | 0.03195184274214663 | 0 | 0 | 0 | 0 | 0 | 0 | 847974 | 0.02179950116687464 | 354643 | 0.01353630132474016 | 490202 | 0.016324900833792073 | 603112 | 0.02619206711011489 39530490 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 38898780 | 1 | 26199402 | 1 | 30027870 | 1 | 23026514 | 1 PASSIF Dépôts À vue | 14240123 | 0.36023138089105394 | 0 | 0 | 0 | 0 | 0 | 0 | 14465410 | 0.3718731024469148 | 8463608 | 0.3230458466189419 | 9656431 | 0.32158228339206213 | 7980053 | 0.34655931853167177 Épargne | 7872921 | 0.19916072378561459 | 0 | 0 | 0 | 0 | 0 | 0 | 7399691 | 0.19022938508611323 | 4863012 | 0.18561538160298469 | 5580434 | 0.1858418196162432 | 4212180 | 0.1829273853610668 À terme | 9319383 | 0.23575177034233574 | 0 | 0 | 0 | 0 | 0 | 0 | 9101621 | 0.2339821711632087 | 7210253 | 0.2752067776203442 | 8876056 | 0.2955939265755447 | 6693512 | 0.29068716176491155 31432427 | 0.7951438750190043 | 0 | 0 | 0 | 0 | 0 | 0 | 30966722 | 0.7960846586962368 | 20536873 | 0.7838680058422708 | 24112921 | 0.8030180295838499 | 18885745 | 0.8201738656576502 Obligations à vue Banques locales | 300000 | 0.007589078708612011 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.007712324139728804 | 0 | 0 | 400000 | 0.01332095816319972 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1288152 | 0.03258628972218659 | 0 | 0 | 0 | 0 | 0 | 0 | 1345439 | 0.034588205594108606 | 879398 | 0.033565575275344074 | 1040575 | 0.03465364010167887 | 597147 | 0.02593301791143896 1588152 | 0.04017536843079861 | 0 | 0 | 0 | 0 | 0 | 0 | 1645439 | 0.04230052973383741 | 879398 | 0.033565575275344074 | 1440575 | 0.04797459826487859 | 597147 | 0.02593301791143896 Obligations à terme Banques locales | 552436 | 0.013974934284902615 | 0 | 0 | 0 | 0 | 0 | 0 | 569204 | 0.014632952498767313 | 623152 | 0.02378497035924713 | 609610 | 0.020301473264670456 | 531816 | 0.023095810334121787 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 226021 | 0.005717637195997318 | 0 | 0 | 0 | 0 | 0 | 0 | 201823 | 0.005188414649508288 | 83835 | 0.0031998821957844687 | 180533 | 0.006012181350192338 | 178465 | 0.007750413284442447 778457 | 0.019692571480899933 | 0 | 0 | 0 | 0 | 0 | 0 | 771027 | 0.019821367148275603 | 706987 | 0.0269848525550316 | 790143 | 0.02631365461486279 | 710281 | 0.030846223618564234 Autres passifs | 1418316 | 0.03587903919227917 | 0 | 0 | 0 | 0 | 0 | 0 | 1485709 | 0.03819423128437447 | 660386 | 0.0252061478349773 | 824832 | 0.027468881409170882 | 688948 | 0.029919769879192308 35217352 | 0.8908908541229821 | 0 | 0 | 0 | 0 | 0 | 0 | 34868897 | 0.8964007868627242 | 22783644 | 0.8696245815076237 | 27168471 | 0.9047751638727622 | 20882121 | 0.9068728770668456 AVOIR DES ACTIONNAIRES Capital versé | 810000 | 0.02049051251325243 | 0 | 0 | 0 | 0 | 0 | 0 | 810000 | 0.02082327517726777 | 810000 | 0.030916736191154287 | 810000 | 0.026974940280479434 | 810000 | 0.035176840054903666 Réserves | 605876 | 0.015326802172196702 | 0 | 0 | 0 | 0 | 0 | 0 | 605876 | 0.015575707001607762 | 364408 | 0.013909019755489076 | 358225 | 0.01192975059503055 | 262050 | 0.011380359180725315 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 | 3.5010949775730074e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 3.5579522031282215e-05 | 1384 | 5.282563319575004e-05 | 1384 | 4.609051524467103e-05 | 1384 | 6.010462547652675e-05 BNR | 2895878 | 0.07325682024179311 | 0 | 0 | 0 | 0 | 0 | 0 | 2612623 | 0.06716465143636896 | 2239966 | 0.08549683691253716 | 1689790 | 0.05627405473648314 | 1070959 | 0.046509819072048854 4313138 | 0.10910914587701796 | 0 | 0 | 0 | 0 | 0 | 0 | 4029883 | 0.10359921313727577 | 3415758 | 0.13037541849237627 | 2859399 | 0.0952248361272378 | 2144393 | 0.09312712293315437 39530490 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 38898780 | 1 | 26199402 | 1 | 30027870 | 1 | 23026514 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 320368 | 646495 | 966863 | 0.33134787451789965 | 375961 | 807146 | 1183107 | 0.3177743010564556 Avoirs à la BRH | 10580368 | 3880941 | 14461309 | 0.731632800322571 | 10281806 | 3624830 | 13906636 | 0.7393453024872442 Avoirs à l'étranger | 5558614 | 0 | 5558614 | 1 | 5929326 | 0 | 5929326 | 1 Avoirs dans les banques locales | 779 | 30842 | 31621 | 0.0246355270231808 | 2177 | 58406 | 60583 | 0.03593417295280854 Autres liquidités | 50877 | 83543 | 134420 | 0.37849278381193274 | 112057 | 153999 | 266056 | 0.4211782481883513 16511006 | 4641821 | 21152827 | 0.7805578894962834 | 16701327 | 4644381 | 21345708 | 0.7824208501306211 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 150000 | 150000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 2099589 | 1769291 | 3868880 | 0.542686513926511 | 1804836 | 1676117 | 3480953 | 0.5184890459595404 Portefeuille net | 6544148 | 5527750 | 12071898 | 0.5420976883668169 | 6436797 | 5485034 | 11921831 | 0.5399168131136903 Immobilisations | 0 | 1173813 | 1173813 | 0 | 0 | 1152314 | 1152314 | 0 Autres actifs | 270388 | 992684 | 1263072 | 0.21407172354386764 | 160317 | 687657 | 847974 | 0.18905886265380778 25425131 | 14105359 | 39530490 | 0.6431777344525706 | 25103277 | 13795503 | 38898780 | 0.6453486973113296 PASSIF Dépôts À vue | 10926324 | 3313799 | 14240123 | 0.7672914061205791 | 11021236 | 3444174 | 14465410 | 0.7619027735819448 Épargne | 5578822 | 2294099 | 7872921 | 0.7086089140231434 | 5204080 | 2195611 | 7399691 | 0.7032834208887911 À terme | 7337662 | 1981721 | 9319383 | 0.7873549139465563 | 7123837 | 1977784 | 9101621 | 0.7826998069904251 23842808 | 7589619 | 31432427 | 0.7585417441675757 | 23349153 | 7617569 | 30966722 | 0.7540078991893298 Obligations à vue Banques locales | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 611558 | 676594 | 1288152 | 0.4747560846856582 | 891033 | 454406 | 1345439 | 0.6622619085666462 611558 | 976594 | 1588152 | 0.3850752320936535 | 891033 | 754406 | 1645439 | 0.5415168839440416 Obligations à terme Banques locales | 0 | 552436 | 552436 | 0 | 0 | 569204 | 569204 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 226021 | 226021 | 0 | 0 | 201823 | 201823 | 0 0 | 778457 | 778457 | 0 | 0 | 771027 | 771027 | 0 Autres passifs | 984858 | 433458 | 1418316 | 0.694385454299324 | 876279 | 609430 | 1485709 | 0.5898052714226003 25439224 | 9778128 | 35217352 | 0.7223491419797832 | 25116465 | 9752432 | 34868897 | 0.7203114282622706 AVOIR DES ACTIONNAIRES Capital versé | 0 | 810000 | 810000 | 0 | 0 | 810000 | 810000 | 0 Réserves | 0 | 605876 | 605876 | 0 | 0 | 605876 | 605876 | 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 | 2895878 | 2895878 | 0 | 0 | 2612623 | 2612623 | 0 0 | 4313138 | 4313138 | 0 | 0 | 4029883 | 4029883 | 0 25439224 | 14091266 | 39530490 | 0.6435342440733722 | 25116465 | 13782315 | 38898780 | 0.645687731080512 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes [CAPITALBKRÉSULT ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 469884 | 0 | 0 | 0 | 0 | 0 | 0 | 358998 | -0.008679714093114724 | 355882 | 0.19270994318341472 | 424464 | 0.11617710807041351 | 473777 Intérêts sur Bons B.R.H. | 1417 | 0 | 0 | 0 | 0 | 0 | 0 | 2418 | -0.7096774193548387 | 702 | 0.027065527065527065 | 721 | 2.6740638002773927 | 2649 Autres | 11992 | 0 | 0 | 0 | 0 | 0 | 0 | 22886 | -0.4013807567945469 | 13700 | 0.03072992700729927 | 14121 | -0.09305289993626514 | 12807 483293 | 0 | 0 | 0 | 0 | 0 | 0 | 384302 | -0.03647652106936732 | 370284 | 0.18640286914908558 | 439306 | 0.11364971113529067 | 489233 Dépenses d'intérêt | 100359 | 0 | 0 | 0 | 0 | 0 | 0 | 90453 | -0.13111781809337447 | 78593 | 0.140712277174812 | 89652 | 0.13035961272475796 | 101339 382934 | 0 | 0 | 0 | 0 | 0 | 0 | 293849 | -0.007343907925499151 | 291691 | 0.19871370731356128 | 349654 | 0.1093652582267041 | 387894 AUTRES REVENUS Commissions | 234086 | 0 | 0 | 0 | 0 | 0 | 0 | 174262 | -0.030052449759557447 | 169025 | 0.1594024552580979 | 195968 | -0.01879388471587198 | 192285 Gains sur change | 173268 | 0 | 0 | 0 | 0 | 0 | 0 | 154685 | -0.08687978795616899 | 141246 | -0.05973974484233182 | 132808 | 0.5547180892717306 | 206479 Autres | 93180 | 0 | 0 | 0 | 0 | 0 | 0 | 101647 | 0.46169586903696125 | 148577 | 0.105278744354779 | 164219 | -0.7060754236720477 | 48268 500534 | 0 | 0 | 0 | 0 | 0 | 0 | 430594 | 0.06561633464470011 | 458848 | 0.07441897970569775 | 492995 | -0.09323218288217933 | 447032 PRODUIT NET BANCAIRE | 883468 | 0 | 0 | 0 | 0 | 0 | 0 | 724443 | 0.03602215771289115 | 750539 | 0.12272513486974028 | 842649 | -0.009165144680644017 | 834926 Dotation à la provisions pour créances douteuses | 21624 | 0 | 0 | 0 | 0 | 0 | 0 | 18932 | 0.4786076484259455 | 27993 | 0.04272496695602472 | 29189 | -0.36828942409811916 | 18439 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 861844 | 0 | 0 | 0 | 0 | 0 | 0 | 705511 | 0.024145619274540016 | 722546 | 0.12582451497897712 | 813460 | 0.003721141789393455 | 816487 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 184811 | 0 | 0 | 0 | 0 | 0 | 0 | 168095 | 0.004384425473690472 | 168832 | 0.08417243176648977 | 183043 | 0.057123189633037044 | 193499 Frais de locaux | 71384 | 0 | 0 | 0 | 0 | 0 | 0 | 52095 | 0.14412131682503118 | 59603 | 0.1007499622502223 | 65608 | 0.220735276185831 | 80090 Amortissement | 21445 | 0 | 0 | 0 | 0 | 0 | 0 | 24464 | 0.07680673642903858 | 26343 | -0.1406825342595756 | 22637 | -0.02363387374652118 | 22102 Autres dépenses d'exploitation | 212613 | 0 | 0 | 0 | 0 | 0 | 0 | 194817 | 0.0037830374145993418 | 195554 | 0.053279401086145005 | 205973 | 0.1745908444310662 | 241934 490253 | 0 | 0 | 0 | 0 | 0 | 0 | 439471 | 0.02471380364119589 | 450332 | 0.059798104509561835 | 477261 | 0.12648006017671673 | 537625 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 371591 | 0 | 0 | 0 | 0 | 0 | 0 | 266040 | 0.02320703653585927 | 272214 | 0.2350540383668731 | 336199 | -0.17054482612976243 | 278862 Impôts sur le revenu | 55833 | 0 | 0 | 0 | 0 | 0 | 0 | 35746 | -0.13772170312762266 | 30823 | 0.2748921260097979 | 39296 | -0.43594767915309446 | 22165 BÉNÉFICE NET | 315758 | 0 | 0 | 0 | 0 | 0 | 0 | 230294 | 0.04818623151276195 | 241391 | 0.22996714873379703 | 296903 | -0.1354179647898472 | 256697 0 | 0 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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 | 469884 | 0.30887637257032075 | 358998 | 0 | 0 | 355882 | 0 | 0 | 424464 | 0 | 0 | 473777 | 469884 | 0.30887637257032075 | 358998 | 1613121 Intérêts sur Bons B.R.H. | 1417 | -0.41397849462365593 | 2418 | 0 | 0 | 702 | 0 | 0 | 721 | 0 | 0 | 2649 | 1417 | -0.41397849462365593 | 2418 | 6490 Autres | 11992 | -0.4760115354365114 | 22886 | 0 | 0 | 13700 | 0 | 0 | 14121 | 0 | 0 | 12807 | 11992 | -0.4760115354365114 | 22886 | 63514 483293 | 0.25758648146509777 | 384302 | 0 | 0 | 370284 | 0 | 0 | 431974 | 0 | 0 | 489233 | 483293 | 0.25758648146509777 | 384302 | 1683125 Dépenses d'intérêt | 100359 | 0.10951543895724851 | 90453 | 0 | 0 | 78593 | 0 | 0 | 89652 | 0 | 0 | 101339 | 100359 | 0.10951543895724851 | 90453 | 360037 382934 | 0.30316591174378676 | 293849 | 0 | 0 | 291691 | 0 | 0 | 342322 | 0 | 0 | 387894 | 382934 | 0.30316591174378676 | 293849 | 1323088 AUTRES REVENUS Commissions | 234086 | 0.3432991702149637 | 174262 | 0 | 0 | 169025 | 0 | 0 | 195968 | 0 | 0 | 192285 | 234086 | 0.3432991702149637 | 174262 | 731540 Gains sur change | 173268 | 0.12013446681966578 | 154685 | 0 | 0 | 141246 | 0 | 0 | 132808 | 0 | 0 | 206479 | 173268 | 0.12013446681966578 | 154685 | 635218 Autres | 93180 | -0.08329808061231517 | 101647 | 0 | 0 | 148577 | 0 | 0 | 164219 | 0 | 0 | 48268 | 93180 | -0.08329808061231517 | 101647 | 462711 500534 | 0.1624267871823574 | 430594 | 0 | 0 | 458848 | 0 | 0 | 492995 | 0 | 0 | 447032 | 500534 | 0.1624267871823574 | 430594 | 1829469 PRODUIT NET BANCAIRE | 883468 | 0.2195134744900565 | 724443 | 0 | 0 | 750539 | 0 | 0 | 835317 | 0 | 0 | 834926 | 883468 | 0.2195134744900565 | 724443 | 3152557 Dotation à la provisions pour créances douteuses | 21624 | 0.14219311219099937 | 18932 | 0 | 0 | 27993 | 0 | 0 | 29189 | 0 | 0 | 18439 | 21624 | 0.14219311219099937 | 18932 | 94553 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 861844 | 0.22158832392407773 | 705511 | 0 | 0 | 722546 | 0 | 0 | 806128 | 0 | 0 | 816487 | 861844 | 0.22158832392407773 | 705511 | 3058004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 184811 | 0.09944376691751688 | 168095 | 0 | 0 | 168832 | 0 | 0 | 183043 | 0 | 0 | 193499 | 184811 | 0.09944376691751688 | 168095 | 713469 Frais de locaux | 71384 | 0.3702658604472598 | 52095 | 0 | 0 | 59603 | 0 | 0 | 65608 | 0 | 0 | 80090 | 71384 | 0.3702658604472598 | 52095 | 257396 Amortissement | 21445 | -0.12340582079790713 | 24464 | 0 | 0 | 26343 | 0 | 0 | 22637 | 0 | 0 | 22102 | 21445 | -0.12340582079790713 | 24464 | 95546 Autres dépenses d'exploitation | 212613 | 0.09134726435578004 | 194817 | 0 | 0 | 195554 | 0 | 0 | 205973 | 0 | 0 | 241934 | 212613 | 0.09134726435578004 | 194817 | 838278 490253 | 0.11555256205756466 | 439471 | 0 | 0 | 450332 | 0 | 0 | 477261 | 0 | 0 | 537625 | 490253 | 0.11555256205756466 | 439471 | 1904689 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 371591 | 0.39674860923169447 | 266040 | 0 | 0 | 272214 | 0 | 0 | 328867 | 0 | 0 | 278862 | 371591 | 0.39674860923169447 | 266040 | 1153315 Impôts sur le revenu | 55833 | 0.5619369999440497 | 35746 | 0 | 0 | 30823 | 0 | 0 | 39296 | 0 | 0 | 22165 | 55833 | 0.5619369999440497 | 35746 | 128030 BÉNÉFICE NET | 315758 | 0.37110823555976274 | 230294 | 0 | 0 | 241391 | 0 | 0 | 289571 | 0 | 0 | 256697 | 315758 | 0.37110823555976274 | 230294 | 1025285 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 469884 | 0.30887637257032075 | 358998 | 1613121 | -0.07276549221940183 | 1739712 | 0.01256015253775612 | 1718132 | 0.3123114842874612 | 1309241 Intérêts sur Bons B.R.H. | 1417 | -0.41397849462365593 | 2418 | 6490 | -0.38617232573536364 | 10573 | 0.8033429984649497 | 5863 | -0.7533445519562474 | 23770 Autres | 11992 | -0.4760115354365114 | 22886 | 63514 | -0.0034831178611773564 | 63736 | -0.29067942796728063 | 89855 | 0.5501328364903564 | 57966 483293 | 0.25758648146509777 | 384302 | 1683125 | -0.07215792981448396 | 1814021 | 9.427460925655374e-05 | 1813850 | 0.30401149695501795 | 1390977 Dépenses d'intérêt | 100359 | 0.10951543895724851 | 90453 | 360037 | -0.3103756725540485 | 522077 | 0.1715849520663531 | 445616 | 0.5134510948012648 | 294437 382934 | 0.30316591174378676 | 293849 | 1323088 | 0.024106308013350425 | 1291944 | -0.0557580063059389 | 1368234 | 0.2477739070166159 | 1096540 AUTRES REVENUS Commissions | 234086 | 0.3432991702149637 | 174262 | 731540 | -0.16122515200887919 | 872153 | 0.1736305111932867 | 743124 | 0.15711930042555577 | 642219 Gains sur change | 173268 | 0.12013446681966578 | 154685 | 635218 | 0.6725153897598197 | 379798 | 0.6977475000782273 | 223707 | 0.16853058090397663 | 191443 Autres | 93180 | -0.08329808061231517 | 101647 | 462711 | -0.2174471150919017 | 591284 | 0.22376228607381682 | 483169 | 1.8881948221960536 | 167291 500534 | 0.1624267871823574 | 430594 | 1829469 | -0.007468391170957583 | 1843235 | 0.2711965517241379 | 1450000 | 0.44861946564923627 | 1000953 PRODUIT NET BANCAIRE | 883468 | 0.2195134744900565 | 724443 | 3152557 | 0.005542905205731475 | 3135179 | 0.1124622724727613 | 2818234 | 0.3436202170877328 | 2097493 Dotation à la provisions pour créances douteuses | 21624 | 0.14219311219099937 | 18932 | 94553 | -0.3132408483439861 | 137680 | 0.5528811991743833 | 88661 | 0.7102486448949673 | 51841 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 861844 | 0.22158832392407773 | 705511 | 3058004 | 0.020185161029244714 | 2997499 | 0.09815674466299308 | 2729573 | 0.3343291038749504 | 2045652 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 184811 | 0.09944376691751688 | 168095 | 713469 | 0.1465198757494484 | 622291 | 0.06851801293641513 | 582387 | 0.22829917682714634 | 474141 Frais de locaux | 71384 | 0.3702658604472598 | 52095 | 257396 | -0.023728247841852138 | 263652 | 0.22133486510524755 | 215872 | 0.20862213761827444 | 178610 Amortissement | 21445 | -0.12340582079790713 | 24464 | 95546 | -0.05017247721014385 | 100593 | 0.12848328472066411 | 89140 | 0.15424457450665563 | 77228 Autres dépenses d'exploitation | 212613 | 0.09134726435578004 | 194817 | 838278 | -0.005511766185326316 | 842924 | 0.10172462243250838 | 765095 | 0.15128920856813957 | 664555 490253 | 0.11555256205756466 | 439471 | 1904689 | 0.041120877198736236 | 1829460 | 0.10709025267262695 | 1652494 | 0.1849793551107395 | 1394534 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 371591 | 0.39674860923169447 | 266040 | 1153315 | -0.01260574347260665 | 1168039 | 0.08445062989808547 | 1077079 | 0.6541993924296364 | 651118 Impôts sur le revenu | 55833 | 0.5619369999440497 | 35746 | 128030 | 0.021371987459214526 | 125351 | -0.01218310913575577 | 126897 | -0.02548841924187504 | 130216 BÉNÉFICE NET | 315758 | 0.37110823555976274 | 230294 | 1025285 | -0.01669051528357476 | 1042688 | 0.09735608546573182 | 950182 | 0.824108949476101 | 520902 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 5535008 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08073585535204444 | 6021129 | 0.5258089579107736 | 3946188 | -0.36875899387600625 | 6251476 | -0.034843942551418323 | 6477166 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 96667 | 0 | 0 | 0 | 0 | 0 | 0 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 | -0.4302169231147179 | 610585 | 0.10295525569464767 | 553590 Dépôts | 4086506 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10119359731420809 | 4546592 | 0.5384432142712126 | 2955320 | -0.3520973112428651 | 4561364 | -0.11289473131470917 | 5141852 Avoir des Actionnaires | 483703 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010672907155319216 | 478595 | 0.08673537739812033 | 440397 | 0.004956358035255862 | 438225 | 0.23007073485656543 | 356260 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 8960 | -0.38194109126026077 | 14497 | 0 | 0 | 14282 | 0 | 0 | 15152 | 0 | 0 | 11822 | 8960 | -0.38194109126026077 | 14497 Autres revenus | 78627 | 0.08860952275464853 | 72227 | 0 | 0 | 53170 | 0 | 0 | 87600 | 0 | 0 | 86422 | 78627 | 0.08860952275464853 | 72227 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 | 80713.1043529 | 0.3440983239450458 | 60050 | 0 | 0 | 59547 | 0 | 0 | 73370.10758457385 | 0 | 0 | 96450.77692153188 | 80713.1043529 | 0.3440983239450458 | 60050 Bénéfice (perte) net | 4737.895647099998 | -0.7423516424438524 | 18389 | 0 | 0 | 5450 | 0 | 0 | 20256.892415426148 | 0 | 0 | 1237.223078468116 | 4737.895647099998 | -0.7423516424438524 | 18389 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.08738975625690153 | 0.09774861660546523 | 0 | 0.07005692615684217 | 0 | 0.07513263547909292 | 0 | 0.07948592365318863 | 0.08738975625690153 | 0.09774861660546523 | 0.07948592365318863 | 0.11160061304732567 | 0.07009944531499442 | 0.05500245014563468 Dépôts en % de l'actif | 0.7383017332585607 | 0.7474389698137938 | 0 | 0.7780513173829825 | 0 | 0.79655945746365 | 0 | 0.7551062267558127 | 0.7383017332585607 | 0.7474389698137938 | 0.7551062267558127 | 0.7489050192236153 | 0.7296459268179227 | 0.7938428627581877 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) | 0.003279916565267441 | 0.016946241483941145 | 0 | 0.002020740956685737 | 0 | 0.014202235996729092 | 0 | 0.0007894553515114816 | 0.003279916565267441 | 0.009096352708335505 | 0.009096352708335505 | 0.008412710989497203 | 0.012102312249806381 | 0.005161310613850931 ROE (rendement avoir des action.) | 0.03938817827408972 | 0.16287360444981777 | 0 | 0.02722273037779759 | 0 | 0.16899227209281942 | 0 | 0.010223019778993838 | 0.03938817827408972 | 0.09865834630528723 | 0.09865834630528723 | 0.09764153412958018 | 0.19389415785068315 | 0.08867020109884818 Revenus nets d'intérêt en % des revenus d'intérêt | 0.928016571724495 | 0.9650512581547064 | 0 | 0.9713974749673487 | 0 | 0.9609944821462548 | 0 | 0.945003996802558 | 0.928016571724495 | 0.9639843695967909 | 0.9639843695967909 | 0.9649378835503667 | 0.972605082253155 | 0.9625605445738971 Rendement moyen des prêts | 0.275055576651539 | 0.1683189517644306 | 0 | 0.12140524177487454 | 0 | 0.1602680412371134 | 0 | 0.168980034323853 | 0.275055576651539 | 0.21806725986208111 | 0.21806725986208111 | 0.14944610562908586 | 0.10111881804711491 | 0.09442684102508472 Rendement moyen des prêts productifs | 0.275055576651539 | 0.1683189517644306 | 0 | 0.12140524177487454 | 0 | 0.1602680412371134 | 0 | 0.168980034323853 | 0.275055576651539 | 0.21806725986208111 | 0.21806725986208111 | 0.14944610562908586 | 0.10111881804711491 | 0.09442684102508472 Rémunération moyenne des dépôts | 0.0006440329995095619 | 0.0006467133029080388 | 0 | 0.0006051442093421324 | 0 | 0.0005538608264819324 | 0 | 0.0005652515898471202 | 0.0006440329995095619 | 0.0005553250957889135 | 0.0005553250957889135 | 0.0007479361910118877 | 0.000495299702696508 | 0.0006607648352968561 Dépenses d'exploitation en % du produit net bancaire | 0.9215192249180815 | 0.6924265485909321 | 0 | 0.9470716104589777 | 0 | 0.714050408601038 | 0 | 0.9817472509418579 | 0.9215192249180815 | 0.8148668377746718 | 0.8148668377746718 | 0.8389449896326516 | 0.730726127728492 | 0.861869453677343 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 14299.918367346938 | 13603.764705882353 | 0 | 11298.947368421053 | 0 | 15509.735849056604 | 0 | 15410.823529411764 | 14299.918367346938 | 14206.88 | 14206.88 | 14047.6 | 13604.16393442623 | 11050.507936507936 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 35320 | 0 | 0 | 0 | 0 | 0 | 0 | -0.4636376061107652 | 65851 | -0.20679603464267216 | 83019 | 0.7823650650521705 | 46578 | -0.13460788138899726 | 53823 Avoirs à la BRH | 4439023 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06705077731566127 | 4160086 | 0.7447119753967145 | 2384397 | -0.4278064253550897 | 4167116 | -0.027075363021301018 | 4283082 Avoirs à l'étranger | 552701 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5569278892826766 | 1247429 | 0.6604026988570189 | 751281 | -0.27313371175583334 | 1033589 | -0.08236680149578644 | 1126364 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 106277 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5966857469088506 | 66561 | 0.3598030603280966 | 48949 | -0.37389357892044 | 78180 | -0.367869531117346 | 123677 5133321 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07339555196304934 | 5539927 | 0.6953877500806391 | 3267646 | -0.38641090924864185 | 5325463 | -0.04680249281092031 | 5586946 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 | 96667 | 0 | 0 | 0 | 0 | 0 | 0 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 | -0.4302169231147179 | 610585 | 0.10295525569464767 | 553590 Immobilisations | 268082 | 0 | 0 | 0 | 0 | 0 | 0 | -0.021491404168339598 | 273970 | -0.058227830696197094 | 290909 | 0.018649569477174763 | 285583 | -0.05521186216387889 | 302272 Autres actifs | 36938 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13126301604802157 | 32652 | -0.1781938991241317 | 39732 | 0.33127827106718044 | 29845 | -0.13135223237673904 | 34358 5535008 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08073585535204444 | 6021129 | 0.5258089579107736 | 3946188 | -0.36875899387600625 | 6251476 | -0.034843942551418323 | 6477166 PASSIF Dépôts À vue | 3474785 | 0 | 0 | 0 | 0 | 0 | 0 | -0.12416857030009228 | 3967413 | 0.5555657933481097 | 2550463 | -0.3659919145084682 | 4022761 | -0.1511405630574598 | 4739019 Épargne | 607299 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05661687179647782 | 574758 | 0.4347428856714928 | 400600 | -0.23595839921269005 | 524317 | 0.43826601709514246 | 364548 À terme | 4422 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00022619316896629722 | 4421 | 0.03852478271082922 | 4257 | -0.7020159596808064 | 14286 | -0.6268512472247617 | 38285 4086506 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10119359731420809 | 4546592 | 0.5384432142712126 | 2955320 | -0.3520973112428651 | 4561364 | -0.11289473131470917 | 5141852 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 | 867927 | 0 | 0 | 0 | 0 | 0 | 0 | -0.040528903181444836 | 904589 | 0.9166239379621586 | 471970 | -0.5900308625621399 | 1151233 | 0.2878378212091144 | 893927 867927 | 0 | 0 | 0 | 0 | 0 | 0 | -0.040528903181444836 | 904589 | 0.9166239379621586 | 471970 | -0.5900308625621399 | 1151233 | 0.2878378212091144 | 893927 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 | 96872 | 0 | 0 | 0 | 0 | 0 | 0 | 0.060413998445590186 | 91353 | 0.1637176596476478 | 78501 | -0.22009060742742464 | 100654 | 0.1823980640689793 | 85127 96872 | 0 | 0 | 0 | 0 | 0 | 0 | 0.060413998445590186 | 91353 | 0.1637176596476478 | 78501 | -0.22009060742742464 | 100654 | 0.1823980640689793 | 85127 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 5051305 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08862895563653737 | 5542534 | 0.5809653228044683 | 3505791 | -0.3969310803885812 | 5813251 | -0.0502629839438802 | 6120906 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 Réserves | 59288 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 59288 | 0 | 59288 | 0 | 59288 | 0 | 59288 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 | 320578 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01619171395061337 | 315470 | 0.13776364003577715 | 277272 | 0.007895310796074155 | 275100 | 0.4243922644782147 | 193135 483703 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010672907155319216 | 478595 | 0.08673537739812033 | 440397 | 0.004956358035255862 | 438225 | 0.23007073485656543 | 356260 5535008 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08073585535204444 | 6021129 | 0.5258089579107736 | 3946188 | -0.36875899387600625 | 6251476 | -0.034843942551418323 | 6477166 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 | 536283.99167 | 0 | 0 | 0 | 523955.56958 | 614449.38489 | 1660053.0692000003 | 1660069.13821 Portefeuille brut | 96667 | 0 | 0 | 0 | 0 | 0 | 0 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 | -0.4302169231147179 | 610585 | 0.10295525569464767 | 553590 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. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 35320 | 0.006381201255716343 | 0 | 0 | 0 | 0 | 0 | 0 | 65851 | 0.010936653242273999 | 83019 | 0.021037771135080235 | 46578 | 0.007450720437861395 | 53823 | 0.008309652709224992 Avoirs à la BRH | 4439023 | 0.8019903494267759 | 0 | 0 | 0 | 0 | 0 | 0 | 4160086 | 0.6909146108645073 | 2384397 | 0.6042279283196847 | 4167116 | 0.6665811401979309 | 4283082 | 0.661258643054694 Avoirs à l'étranger | 552701 | 0.09985550156386404 | 0 | 0 | 0 | 0 | 0 | 0 | 1247429 | 0.2071752656353983 | 751281 | 0.1903814516693072 | 1033589 | 0.16533519444048095 | 1126364 | 0.1738976583277316 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 106277 | 0.019200875590423716 | 0 | 0 | 0 | 0 | 0 | 0 | 66561 | 0.011054571327071718 | 48949 | 0.01240412266217423 | 78180 | 0.012505846619262396 | 123677 | 0.01909430760304738 5133321 | 0.92742792783678 | 0 | 0 | 0 | 0 | 0 | 0 | 5539927 | 0.9200811010692513 | 3267646 | 0.8280512737862463 | 5325463 | 0.8518729016955355 | 5586946 | 0.8625602616946979 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 | 96667 | 0.017464654070960692 | 0 | 0 | 0 | 0 | 0 | 0 | 174580 | 0.02899456231547273 | 347901 | 0.08816128375029268 | 610585 | 0.09767053412666064 | 553590 | 0.08546793458744148 Immobilisations | 268082 | 0.04843389566916615 | 0 | 0 | 0 | 0 | 0 | 0 | 273970 | 0.04550143336905753 | 290909 | 0.07371899159391292 | 285583 | 0.04568249162277836 | 302272 | 0.04666732333245743 Autres actifs | 36938 | 0.0066735224230931554 | 0 | 0 | 0 | 0 | 0 | 0 | 32652 | 0.005422903246218442 | 39732 | 0.01006845086954803 | 29845 | 0.004774072555025405 | 34358 | 0.005304480385403122 5535008 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 6021129 | 1 | 3946188 | 1 | 6251476 | 1 | 6477166 | 1 PASSIF Dépôts À vue | 3474785 | 0.6277831938092953 | 0 | 0 | 0 | 0 | 0 | 0 | 3967413 | 0.6589151303684077 | 2550463 | 0.6463105660450035 | 4022761 | 0.6434897934503787 | 4739019 | 0.7316500765921392 Épargne | 607299 | 0.10971962461481537 | 0 | 0 | 0 | 0 | 0 | 0 | 574758 | 0.09545684870727732 | 400600 | 0.101515690585446 | 524317 | 0.08387091304517526 | 364548 | 0.0562820221065818 À terme | 4422 | 0.0007989148344501038 | 0 | 0 | 0 | 0 | 0 | 0 | 4421 | 0.0007342476801277634 | 4257 | 0.0010787625931658602 | 14286 | 0.0022852203223686692 | 38285 | 0.005910764059466748 4086506 | 0.7383017332585607 | 0 | 0 | 0 | 0 | 0 | 0 | 4546592 | 0.7551062267558127 | 2955320 | 0.7489050192236153 | 4561364 | 0.7296459268179227 | 5141852 | 0.7938428627581877 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 | 867927 | 0.1568068194300713 | 0 | 0 | 0 | 0 | 0 | 0 | 904589 | 0.15023577804096208 | 471970 | 0.119601498965584 | 1151233 | 0.1841537902408967 | 893927 | 0.13801205650742934 867927 | 0.1568068194300713 | 0 | 0 | 0 | 0 | 0 | 0 | 904589 | 0.15023577804096208 | 471970 | 0.119601498965584 | 1151233 | 0.1841537902408967 | 893927 | 0.13801205650742934 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 | 96872 | 0.017501691054466407 | 0 | 0 | 0 | 0 | 0 | 0 | 91353 | 0.015172071550036546 | 78501 | 0.01989286876347503 | 100654 | 0.0161008376261862 | 85127 | 0.013142630588748228 96872 | 0.017501691054466407 | 0 | 0 | 0 | 0 | 0 | 0 | 91353 | 0.015172071550036546 | 78501 | 0.01989286876347503 | 100654 | 0.0161008376261862 | 85127 | 0.013142630588748228 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 5051305 | 0.9126102437430985 | 0 | 0 | 0 | 0 | 0 | 0 | 5542534 | 0.9205140763468114 | 3505791 | 0.8883993869526743 | 5813251 | 0.9299005546850055 | 6120906 | 0.9449975498543653 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0.0187600451525996 | 0 | 0 | 0 | 0 | 0 | 0 | 103837 | 0.017245436860761496 | 103837 | 0.02631324204523454 | 103837 | 0.016609997383018025 | 103837 | 0.016031239588424936 Réserves | 59288 | 0.010711456966277195 | 0 | 0 | 0 | 0 | 0 | 0 | 59288 | 0.00984665832603819 | 59288 | 0.015024119479355773 | 59288 | 0.009483840296275631 | 59288 | 0.009153385909825376 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 | 320578 | 0.05791825413802473 | 0 | 0 | 0 | 0 | 0 | 0 | 315470 | 0.052393828466388945 | 277272 | 0.07026325152273535 | 275100 | 0.04400560763570075 | 193135 | 0.029817824647384365 483703 | 0.08738975625690153 | 0 | 0 | 0 | 0 | 0 | 0 | 478595 | 0.07948592365318863 | 440397 | 0.11160061304732567 | 438225 | 0.07009944531499442 | 356260 | 0.05500245014563468 5535008 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 6021129 | 1 | 3946188 | 1 | 6251476 | 1 | 6477166 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 14739 | 20581 | 35320 | 0.41729898074745186 | 25654 | 40197 | 65851 | 0.389576468087045 Avoirs à la BRH | 2987622 | 1451401 | 4439023 | 0.6730359360607052 | 2775573 | 1384513 | 4160086 | 0.6671912551807824 Avoirs à l'étranger | 552701 | 0 | 552701 | 1 | 1247429 | 0 | 1247429 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 32318 | 73959 | 106277 | 0.30409213658646744 | 34830 | 31731 | 66561 | 0.5232793978455853 3587380 | 1545941 | 5133321 | 0.6988419387760867 | 4083486 | 1456441 | 5539927 | 0.7371010484434182 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 | 96667 | 96667 | 0 | 77913 | 96667 | 174580 | 0.4462882346202314 Immobilisations | 0 | 268082 | 268082 | 0 | 0 | 273970 | 273970 | 0 Autres actifs | 1667 | 35271 | 36938 | 0.045129676755644596 | 6480 | 26172 | 32652 | 0.19845644983461963 3589047 | 1945961 | 5535008 | 0.6484267050743197 | 4167879 | 1853250 | 6021129 | 0.6922088864065195 PASSIF Dépôts À vue | 2381761 | 1093024 | 3474785 | 0.6854412575166521 | 2906285 | 1061128 | 3967413 | 0.7325390626083041 Épargne | 607295 | 4 | 607299 | 0.9999934134586094 | 574754 | 4 | 574758 | 0.9999930405492399 À terme | 0 | 4422 | 4422 | 0 | 0 | 4421 | 4421 | 0 2989056 | 1097450 | 4086506 | 0.7314453961403703 | 3481039 | 1065553 | 4546592 | 0.7656369870003731 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 | 563505 | 304422 | 867927 | 0.6492539119073378 | 583375 | 321214 | 904589 | 0.6449061396943805 563505 | 304422 | 867927 | 0.6492539119073378 | 583375 | 321214 | 904589 | 0.6449061396943805 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 | 36402 | 60470 | 96872 | 0.3757742175241556 | 103732 | -12379 | 91353 | 1.135507317767342 36402 | 60470 | 96872 | 0.3757742175241556 | 103732 | -12379 | 91353 | 1.135507317767342 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 3588963 | 1462342 | 5051305 | 0.7105021375664309 | 2442401 | 1063390 | 5542534 | 0.44066504598799033 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 | 320578 | 320578 | 0 | 0 | 315470 | 315470 | 0 0 | 483703 | 483703 | 0 | 0 | 478595 | 478595 | 0 0 3588963 | 1946045 | 5535008 | 0.6484115289444929 | 4168146 | 1852983 | 6021129 | 0.6922532302496758 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes [CBNARÉSULT ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 9326 | 0 | 0 | 0 | 0 | 0 | 0 | 14837 | -0.03026218238188313 | 14388 | 0.0804837364470392 | 15546 | -0.21542518975942365 | 12197 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 329 | 0 | 0 | 0 | 0 | 0 | 0 | 185 | -0.1945945945945946 | 149 | 0.48322147651006714 | 221 | 0.416289592760181 | 313 9655 | 0 | 0 | 0 | 0 | 0 | 0 | 15022 | -0.032285980561842634 | 14537 | 0.08461168053931348 | 15767 | -0.20657068560918374 | 12510 Dépenses d'intérêt | 695 | 0 | 0 | 0 | 0 | 0 | 0 | 525 | -0.5142857142857142 | 255 | 1.411764705882353 | 615 | 0.11869918699186992 | 688 8960 | 0 | 0 | 0 | 0 | 0 | 0 | 14497 | -0.014830654618196869 | 14282 | 0.06091583811791065 | 15152 | -0.21977296726504753 | 11822 AUTRES REVENUS Commissions | 18353 | 0 | 0 | 0 | 0 | 0 | 0 | 13283 | 0.15531130015809683 | 15346 | -0.038120682914114426 | 14761 | 0.2281688232504573 | 18129 Gains sur change | 48811 | 0 | 0 | 0 | 0 | 0 | 0 | 53879 | -0.4202750607843501 | 31235 | 1.0904754282055387 | 65296 | -0.12091092869394757 | 57401 Autres | 11463 | 0 | 0 | 0 | 0 | 0 | 0 | 5065 | 0.300888450148075 | 6589 | 0.14478676582182426 | 7543 | 0.4439878032613019 | 10892 78627 | 0 | 0 | 0 | 0 | 0 | 0 | 72227 | -0.26384869923989646 | 53170 | 0.647545608425804 | 87600 | -0.013447488584474886 | 86422 PRODUIT NET BANCAIRE | 87587 | 0 | 0 | 0 | 0 | 0 | 0 | 86724 | -0.2222222222222222 | 67452 | 0.5233351123762082 | 102752 | -0.043872625350358144 | 98244 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 | 87587 | 0 | 0 | 0 | 0 | 0 | 0 | 86724 | -0.2222222222222222 | 67452 | 0.5233351123762082 | 102752 | -0.043872625350358144 | 98244 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 31077 | 0 | 0 | 0 | 0 | 0 | 0 | 25943 | 0.04903056701229619 | 27215 | 0.13544001469777697 | 30901 | 0.09297433740008414 | 33774 Frais de locaux | 3903 | 0 | 0 | 0 | 0 | 0 | 0 | 6077 | 0.05018923811090999 | 6382 | -0.47383265434033217 | 3358 | 0.586063132817153 | 5326 Amortissement | 5887 | 0 | 0 | 0 | 0 | 0 | 0 | 5486 | 0.14509660955158585 | 6282 | -0.07991085641515441 | 5780 | 0.017474048442906575 | 5881 Autres dépenses d'exploitation | 39846.1043529 | 0 | 0 | 0 | 0 | 0 | 0 | 22544 | -0.12757274662881476 | 19668 | 0.6946871865250082 | 33331.10758457386 | 0.5441964174437716 | 51469.77692153188 80713.1043529 | 0 | 0 | 0 | 0 | 0 | 0 | 60050 | -0.008376353039134055 | 59547 | 0.232137766546994 | 73370.10758457385 | 0.31457864921831963 | 96450.77692153188 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 6873.895647099998 | 0 | 0 | 0 | 0 | 0 | 0 | 26674 | -0.7036439979005773 | 7905 | 2.7168744358540353 | 29381.892415426148 | -0.938968428135465 | 1793.223078468116 Impôts sur le revenu | 2136 | 0 | 0 | 0 | 0 | 0 | 0 | 8285 | -0.7036813518406759 | 2455 | 2.716904276985743 | 9125 | -0.939068493150685 | 556 BÉNÉFICE NET | 4737.895647099998 | 0 | 0 | 0 | 0 | 0 | 0 | 18389 | -0.7036271684159008 | 5450 | 2.716860993656174 | 20256.892415426148 | -0.9389233524523268 | 1237.223078468116 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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 | 9326 | -0.3714362741794163 | 14837 | 0 | 0 | 14388 | 0 | 0 | 15546 | 0 | 0 | 12197 | 9326 | -0.3714362741794163 | 14837 | 56968 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 329 | 0.7783783783783784 | 185 | 0 | 0 | 149 | 0 | 0 | 221 | 0 | 0 | 313 | 329 | 0.7783783783783784 | 185 | 868 9655 | -0.3572759952070297 | 15022 | 0 | 0 | 14537 | 0 | 0 | 15767 | 0 | 0 | 12510 | 9655 | -0.3572759952070297 | 15022 | 57836 Dépenses d'intérêt | 695 | 0.3238095238095238 | 525 | 0 | 0 | 255 | 0 | 0 | 615 | 0 | 0 | 688 | 695 | 0.3238095238095238 | 525 | 2083 8960 | -0.38194109126026077 | 14497 | 0 | 0 | 14282 | 0 | 0 | 15152 | 0 | 0 | 11822 | 8960 | -0.38194109126026077 | 14497 | 55753 AUTRES REVENUS Commissions | 18353 | 0.38169088308364074 | 13283 | 0 | 0 | 15346 | 0 | 0 | 14761 | 0 | 0 | 18129 | 18353 | 0.38169088308364074 | 13283 | 61519 Gains sur change | 48811 | -0.09406262180070157 | 53879 | 0 | 0 | 31235 | 0 | 0 | 65296 | 0 | 0 | 57401 | 48811 | -0.09406262180070157 | 53879 | 207811 Autres | 11463 | 1.2631786771964462 | 5065 | 0 | 0 | 6589 | 0 | 0 | 7543 | 0 | 0 | 10892 | 11463 | 1.2631786771964462 | 5065 | 30089 78627 | 0.08860952275464853 | 72227 | 0 | 0 | 53170 | 0 | 0 | 87600 | 0 | 0 | 86422 | 78627 | 0.08860952275464853 | 72227 | 299419 PRODUIT NET BANCAIRE | 87587 | 0.00995110926617776 | 86724 | 0 | 0 | 67452 | 0 | 0 | 102752 | 0 | 0 | 98244 | 87587 | 0.00995110926617776 | 86724 | 355172 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 | 87587 | 0.00995110926617776 | 86724 | 0 | 0 | 67452 | 0 | 0 | 102752 | 0 | 0 | 98244 | 87587 | 0.00995110926617776 | 86724 | 355172 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 31077 | 0.19789538603862314 | 25943 | 0 | 0 | 27215 | 0 | 0 | 30901 | 0 | 0 | 33774 | 31077 | 0.19789538603862314 | 25943 | 117833 Frais de locaux | 3903 | -0.3577423070594043 | 6077 | 0 | 0 | 6382 | 0 | 0 | 3358 | 0 | 0 | 5326 | 3903 | -0.3577423070594043 | 6077 | 21143 Amortissement | 5887 | 0.07309515129420342 | 5486 | 0 | 0 | 6282 | 0 | 0 | 5780 | 0 | 0 | 5881 | 5887 | 0.07309515129420342 | 5486 | 23429 Autres dépenses d'exploitation | 39846.1043529 | 0.7674815628504259 | 22544 | 0 | 0 | 19668 | 0 | 0 | 33331.10758457386 | 0 | 0 | 51469.77692153188 | 39846.1043529 | 0.7674815628504259 | 22544 | 127012.88450610574 80713.1043529 | 0.3440983239450458 | 60050 | 0 | 0 | 59547 | 0 | 0 | 73370.10758457385 | 0 | 0 | 96450.77692153188 | 80713.1043529 | 0.3440983239450458 | 60050 | 289417.88450610574 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 6873.895647099998 | -0.7422997807940317 | 26674 | 0 | 0 | 7905 | 0 | 0 | 29381.892415426148 | 0 | 0 | 1793.223078468116 | 6873.895647099998 | -0.7422997807940317 | 26674 | 65754.11549389426 Impôts sur le revenu | 2136 | -0.7421846710923355 | 8285 | 0 | 0 | 2455 | 0 | 0 | 9125 | 0 | 0 | 556 | 2136 | -0.7421846710923355 | 8285 | 20421 BÉNÉFICE NET | 4737.895647099998 | -0.7423516424438524 | 18389 | 0 | 0 | 5450 | 0 | 0 | 20256.892415426148 | 0 | 0 | 1237.223078468116 | 4737.895647099998 | -0.7423516424438524 | 18389 | 45333.11549389426 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 9326 | -0.3714362741794163 | 14837 | 56968 | -0.20459083229778977 | 71621 | 0.21680258239891267 | 58860 | 0.09062610016861532 | 53969 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18327 Autres | 329 | 0.7783783783783784 | 185 | 868 | -0.8984914045140919 | 8551 | -0.7036767508750044 | 28857 | 0.48962419987610983 | 19372 9655 | -0.3572759952070297 | 15022 | 57836 | -0.2786010078331587 | 80172 | -0.0860152535996443 | 87717 | -0.04310119125539992 | 91668 Dépenses d'intérêt | 695 | 0.3238095238095238 | 525 | 2083 | -0.2589825684809676 | 2811 | 0.16978776529338327 | 2403 | -0.29982517482517484 | 3432 8960 | -0.38194109126026077 | 14497 | 55753 | -0.2793138661599514 | 77361 | -0.09322033898305085 | 85314 | -0.033115735074119405 | 88236 AUTRES REVENUS Commissions | 18353 | 0.38169088308364074 | 13283 | 61519 | -0.3572958346827694 | 95719 | 0.21329158850073518 | 78892 | -0.19021175697730516 | 97423 Gains sur change | 48811 | -0.09406262180070157 | 53879 | 207811 | 0.3866916676119871 | 149861 | -0.07951181160399494 | 162806 | 0.003266040572851192 | 162276 Autres | 11463 | 1.2631786771964462 | 5065 | 30089 | -0.5251704330261331 | 63368 | -0.27921287607348005 | 87915 | 562.5576923076923 | 156 78627 | 0.08860952275464853 | 72227 | 299419 | -0.03084337817367324 | 308948 | -0.06269473594791468 | 329613 | 0.268449712339574 | 259855 PRODUIT NET BANCAIRE | 87587 | 0.00995110926617776 | 86724 | 355172 | -0.0806012803222291 | 386309 | -0.06897116842239719 | 414927 | 0.19200726246872227 | 348091 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 | 87587 | 0.00995110926617776 | 86724 | 355172 | -0.0806012803222291 | 386309 | -0.06897116842239719 | 414927 | 0.19200726246872227 | 348091 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 31077 | 0.19789538603862314 | 25943 | 117833 | 0.1395069966249867 | 103407 | -0.02111002773649384 | 105637 | 0.0926458419528341 | 96680 Frais de locaux | 3903 | -0.3577423070594043 | 6077 | 21143 | -0.3318480596637593 | 31644 | 0.22674937003295212 | 25795 | 0.4347294065298404 | 17979 Amortissement | 5887 | 0.07309515129420342 | 5486 | 23429 | 0.16417391304347825 | 20125 | 0.1053440984236832 | 18207 | -0.09566383549396514 | 20133 Autres dépenses d'exploitation | 39846.1043529 | 0.7674815628504259 | 22544 | 127012.88450610574 | -0.2480707303860751 | 168916 | 0.1000071633704309 | 153559 | -0.07056174606729332 | 165217 80713.1043529 | 0.3440983239450458 | 60050 | 289417.88450610574 | -0.1069884955318066 | 324092 | 0.06891206406374713 | 303198 | 0.010629681109566714 | 300009 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 6873.895647099998 | -0.7422997807940317 | 26674 | 65754.11549389426 | 0.05685127045492813 | 62217 | -0.44314367800660526 | 111729 | 1.323717815398694 | 48082 Impôts sur le revenu | 2136 | -0.7421846710923355 | 8285 | 20421 | 0.05687816996170169 | 19322 | -0.4432662940125627 | 34706 | 1.3241143775530704 | 14933 BÉNÉFICE NET | 4737.895647099998 | -0.7423516424438524 | 18389 | 45333.11549389426 | 0.056839153605181575 | 42895 | -0.4430884281318567 | 77023 | 1.3235391716190534 | 33149 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoir des Actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 2022 | (1er octobre au 31 décembre 2018) et deuxième trimestre de l'exercice fiscal 2014-2015 (1er octobre au 31 décembre 2017). | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) 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 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 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 | 0 Dépôts en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ROE (rendement avoir des action.) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Revenus nets d'intérêt en % des revenus d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rendement moyen des prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rendement moyen des prêts productifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rémunération moyenne des dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [scotiavar] SCOTIA BANK (SCOTIA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 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 | 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 | 0 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille brut | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 [scotiacomp ] SCOTIA BANK (SCOTIA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 0 | 0 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 | 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 | 0 | 0 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 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 | 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 | 0 | 0 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 | 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 | 0 | 0 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 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 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 | 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 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [scotiagdes&$] SCOTIA BANK (SCOTIA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 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 99,8667 gdes | *Converties au taux de 97,3918 gdes [SCOTIARÉSULT ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 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 Autres | 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 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 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 PRODUIT NET BANCAIRE | 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 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 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 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 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 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [sogebkinfin ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) INDICATEURS FINANCIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 137729941.83322 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007730114116811905 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001 | -0.07272126134615294 | 105301379.00716 | 0.21533716576034012 | 86643757.77669999 Bons B.R.H. | 5500000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1111111111111111 | 4950000 | 0 | 4050000 | 0 | 0 | -1 | 1294000 Prêts nets | 36854833.957820006 | 0 | 0 | 0 | 0 | 0 | 0 | 0.044722020635157934 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563 | -0.10368021442179343 | 32111842.915229995 | 0.13622484120147163 | 28261873.66338 Dépôts | 111195888.19211048 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0013506171828760341 | 111346274.38354212 | 0.4628523334855173 | 76115867.49719225 | -0.11777379177081918 | 86277041.85978933 | 0.2204181114290965 | 70694658.70082822 Avoir des Actionnaires | 10450653.54064 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06963251157037251 | 9770321.51472 | 0.20758874202197272 | 8090768.963580007 | 0.07577613585339829 | 7520866.743490003 | 0.09266084787144925 | 6883075.162929996 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 1015107.8006099999 | 0.591619173898797 | 637783.0936300001 | 0 | 0 | 1092501.18726 | 0 | 0 | 967674.1134900001 | 0 | 0 | 1162333.2952299998 | 1015107.8006099999 | 0.591619173898797 | 637783.0936300001 Autres revenus | 735473.94398 | -0.19791170788621087 | 916948.8586372 | 0 | 0 | 659022.2376088668 | 0 | 0 | 908070.1972699794 | 0 | 0 | 934315.3230800001 | 735473.94398 | -0.19791170788621087 | 916948.8586372 Dot. à la prov. pr créances douteuses | 311635.48749 | 4.983347295239178 | 52083.80394999999 | 0 | 0 | 388802.11130999995 | 0 | 0 | 253899.20207 | 0 | 0 | 449683.91792 | 311635.48749 | 4.983347295239178 | 52083.80394999999 Dépenses d'exploitation | 982523.2874799999 | 0.09162267192293726 | 900057.6048399999 | 0 | 0 | 936408.68399 | 0 | 0 | 1029281.2088900001 | 0 | 0 | 1180262.18603 | 982523.2874799999 | 0.09162267192293726 | 900057.6048399999 Bénéfice (perte) net | 336422.9696199999 | -0.3574693549929451 | 523590.5434772002 | 0 | 0 | 332812.6295688667 | 0 | 0 | 478063.8997999795 | 0 | 0 | 359702.5143599999 | 336422.9696199999 | -0.3574693549929451 | 523590.5434772002 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07587786215211584 | 0.0820097502891817 | 0 | 0.07430550977955246 | 0 | 0.07495253238431127 | 0 | 0.07148661419540324 | 0.07587786215211584 | 0.0820097502891817 | 0.07148661419540324 | 0.0828600973304912 | 0.07142230058524324 | 0.07944109696475993 Dépôts en % de l'actif | 0.807347238458576 | 0.7804720039414984 | 0 | 0.7948975098119582 | 0 | 0.8088953209812653 | 0 | 0.8146884569724315 | 0.807347238458576 | 0.7804720039414984 | 0.8146884569724315 | 0.7795264229645499 | 0.8193343968830921 | 0.8159232761236407 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.024104693348327433 | 0.0350022736437517 | 0 | 0.032485101414225705 | 0 | 0.034024196624409864 | 0 | 0.022182784323064426 | 0.024104693348327433 | 0.0350022736437517 | 0.022182784323064426 | 0.024323463171792417 | 0.01752335009540226 | 0.009889922284401194 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.979905757227218 | 1.245804293574031 | 0 | 1.4791320687108593 | 0 | 1.4331411956566034 | 0 | 2.3057497200171206 | 1.979905757227218 | 1.245804293574031 | 2.3057497200171206 | 1.8597512318566836 | 2.15392953028409 | 2.526588002623216 Prêts improductifs nets en % de l'avoir des actionnaires | -0.08747310755687124 | -0.03239981978051824 | 0 | -0.062120775122623074 | 0 | -0.05974749878597162 | 0 | -0.11022049368770048 | -0.08747310755687124 | -0.03239981978051824 | -0.11022049368770048 | -0.07791846873366302 | -0.0897228710206966 | -0.06358037634935687 Rentabilité ROA (rendement de l'actif) | 0.009808128943864911 | 0.020215390686816784 | 0 | 0.01163932429539868 | 0 | 0.015529647146222365 | 0 | 0.010910178118068653 | 0.009808128943864911 | 0.020215390686816784 | 0.014460481781901971 | 0.006944139450366293 | 0.011202453549889885 | 0.011383686790908908 ROE (rendement avoir des action.) | 0.13309861416631294 | 0.24530124191037384 | 0 | 0.14923073947529855 | 0 | 0.2080623559405835 | 0 | 0.14913466179446705 | 0.13309861416631294 | 0.24530124191037384 | 0.18970505628022494 | 0.09027107495292935 | 0.14928250147899153 | 0.14290278896485956 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8431528894548621 | 0.7923417478643643 | 0 | 0.8648524325933664 | 0 | 0.8380277127606562 | 0 | 0.8547467143931372 | 0.8431528894548621 | 0.7923417478643643 | 0.8423585141703387 | 0.7572600983235017 | 0.7761248646118251 | 0.7754640419260888 Rendement moyen des prêts | 0.10279429023144279 | 0.07862725203503054 | 0 | 0.12403946011567196 | 0 | 0.1020599175131736 | 0 | 0.12206266712866583 | 0.10279429023144279 | 0.07862725203503054 | 0.11293254586404694 | 0.10474456280882675 | 0.122047295499413 | 0.10951382869452511 Rendement moyen des prêts productifs | 0.10523177675496481 | 0.08105658154990979 | 0 | 0.128367524295015 | 0 | 0.10557434635869704 | 0 | 0.1256067621622073 | 0.10523177675496481 | 0.08105658154990979 | 0.11560786424484201 | 0.10696415029108244 | 0.12377708562221774 | 0.11127261078272137 Rémunération moyenne des dépôts | 0.0067882845377061915 | 0.008273527177211096 | 0 | 0.007576982958610327 | 0 | 0.0075743847382476375 | 0 | 0.007379153007411191 | 0.0067882845377061915 | 0.008273527177211096 | 0.007707438933025915 | 0.011920106321050889 | 0.012177762779105613 | 0.011432343876355026 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.5612553029964988 | 0.578914972145188 | 0 | 0.5346252700332039 | 0 | 0.5487321502113339 | 0 | 0.5629279869420124 | 0.5612553029964988 | 0.578914972145188 | 0.555873771274293 | 0.7507729451108703 | 0.6857698436593007 | 0.686330894861635 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5992.577645151903 | 4935.656991324445 | 0 | 5730.955991390975 | 0 | 6157.552107541993 | 0 | 7021.008349300962 | 5992.577645151903 | 4935.656991324445 | 5891.257228819139 | 4177.999999988923 | 4207.422749826219 | 3418.4905367064193 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 3387712.22689 | 0 | 0 | 0 | 0 | 0 | 0 | -0.37371288650885087 | 5409199.95624 | 0.28377434380106764 | 4213513.0541900005 | 0.019266344325368185 | 4133868.5198899996 | 0.2790735423954596 | 3231924.03163 Avoirs à la BRH | 49370654.916319996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.005228666012389422 | 49113854.972090006 | 0.534075530633822 | 32015278.25152 | -0.1783833107833306 | 38966197.58544999 | 0.29529112363845467 | 30082965.03723 Avoirs à l'étranger | 9628041.325690001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06049723551594367 | 10248018.089629998 | 0 | 7111476.047150001 | 0 | 4759170.6993 | 0 | 2148084.07039 Avoirs dans les banques locales | 11048.41 | 0 | 0 | 0 | 0 | 0 | 0 | 2.4565329270410166 | 3196.385 | -0.8402271640088556 | 20005.81 | 2.5775768955650933 | 5592 | -0.28950296252234603 | 7870.54654 Autres liquidités | 114311.25438 | 0 | 0 | 0 | 0 | 0 | 0 | -0.17200177557841428 | 138057.36656 | 0.9147039539038715 | 72103.76637 | -0.805714323896683 | 371122.39983999997 | 4.129232693861531 | 72354.36994 62511768.133279994 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03698155274518989 | 64912326.76952 | 0.4945607714560513 | 43432376.929230005 | -0.09958493935129133 | 48235951.20447999 | 0.35710779679556054 | 35543198.05573 Bons B.R.H. | 5500000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1111111111111111 | 4950000 | 0 | 4050000 | 0 | 0 | 0 | 1294000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 22700012.235310003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030754150637991206 | 22022722.121720005 | 0.6743422578825986 | 13153058.77161 | -0.3090861109197985 | 19037189.698299997 | 0.1846914332765642 | 16069323.339030001 Portefeuille net | 36854833.957820006 | 0 | 0 | 0 | 0 | 0 | 0 | 0.044722020635157934 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563 | -0.10368021442179343 | 32111842.915229995 | 0.13622484120147163 | 28261873.66338 Immobilisations | 4088116.9210400004 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00196398193534 | 4096161.708640001 | -0.09138800347761133 | 4508152.79164 | 0.5400692803567159 | 2927240.25415 | -0.02415283894338424 | 2999691.31537 Autres actifs | 6075210.58577 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12190965750581266 | 5415062.206769999 | 0.45657762626258325 | 3717661.25549 | 0.24371648052094022 | 2989154.935 | 0.20741182822096516 | 2475671.40319 137729941.83322 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007730114116811905 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001 | -0.07272126134615294 | 105301379.00716 | 0.21533716576034012 | 86643757.77669999 PASSIF Dépôts À vue | 52065568.9171979 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02961441242667645 | 53654515.87899203 | 0.5612669443386832 | 34366010.2928259 | -0.045615118274118446 | 36008544.29994681 | 0.21754378886942452 | 29574742.714907434 Épargne | 37082272.90075241 | 0 | 0 | 0 | 0 | 0 | 0 | 0.028254732035616504 | 36063313.63760547 | 0.39713927027378887 | 25812253.94268559 | -0.09570879423482571 | 28544183.309672147 | 0.2212460382606412 | 23372999.71947191 À terme | 22048046.37416017 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01940044741066156 | 21628444.86694462 | 0.35707010093208363 | 15937603.261680763 | -0.2663702486463629 | 21724314.25017037 | 0.2241176959425268 | 17746916.266448893 111195888.19211048 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0013506171828760341 | 111346274.38354212 | 0.4628523334855173 | 76115867.49719225 | -0.11777379177081918 | 86277041.85978933 | 0.2204181114290965 | 70694658.70082822 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 | 6095905.496959999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0780660885136276 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999 | 0.046465525131935796 | 4715026.590960002 | 0.8114585608379633 | 2602889.5680500004 6095905.496959999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0780660885136276 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999 | 0.046465525131935796 | 4715026.590960002 | 0.8114585608379633 | 2602889.5680500004 Obligations à terme Banques locales | 5097563.80568 | 0 | 0 | 0 | 0 | 0 | 0 | -0.005878736211421904 | 5127708.24985 | 0.01859663166865685 | 5034091.11166 | 0.2575061347567958 | 4003233.8392 | 1.0768766090458932 | 1927526.08497 Banque à l'étranger | 0.41944 | 0 | 0 | 0 | 0 | 0 | 0 | -0.999344605542977 | 639.981 | 0.4903585031074781 | 429.41413 | -0.34911053743238524 | 659.73434 | -0.9996995103441091 | 2195530.95112 Autres | 1216992.31308 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1307974399677259 | 1076224.85696 | 0.5298770499108929 | 703471.46983 | -0.05310334265661505 | 742923.17369 | 0.02334256853511094 | 725977.00568 6314556.5382 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01772619144515876 | 6204573.08781 | 0.0813143504811713 | 5737991.99562 | 0.20880840807018716 | 4746816.74723 | -0.02107992925178324 | 4849034.04177 Autres passifs | 3672938.0652900003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.006720582879582994 | 3697789.3651900003 | 0.33736148892603396 | 2764988.6704599997 | 0.3543064337748882 | 2041627.0657100002 | 0.26487000950408834 | 1614100.30309 127279288.29256049 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0029642239613527177 | 126903119.02637212 | 0.41707340207627364 | 89552960.94079225 | -0.08414305808410409 | 97780512.26368931 | 0.225923714033602 | 79760682.61373822 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 1 | 1500000 | 0 | 1500000 Réserves | 2131701.77986 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19234202733516198 | 1787827.4278599997 | 0.2203020077171425 | 1465069.6438699998 | -0.4093407650972297 | 2480397.4225700004 | 0.010935318103400595 | 2453566.88816 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 | 376690.93492 | 0.013108574169605786 | 371816.94492 BNR | 5318951.760780001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06752796251325542 | 4982494.086860002 | 0.3742160194515287 | 3625699.3197100074 | 0.14600293615824828 | 3163778.386000003 | 0.23696645841371075 | 2557691.3298499957 10450653.54064 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06963251157037251 | 9770321.51472 | 0.20758874202197272 | 8090768.963580007 | 0.07577613585339829 | 7520866.743490003 | 0.09266084787144925 | 6883075.162929996 137729941.83320048 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007730114116727091 | 136673440.54109213 | 0.39971548275494756 | 97643729.90437226 | -0.07272126134535209 | 105301379.00717932 | 0.21533716576100878 | 86643757.77666822 Hors-bilan Effets à l'encaissement | 37347.965710000004 | 0 | 0 | 0 | 52302.66995 | 19878.62198 | 11996.07348 | 140620.2047 Crédit documentaire | 1936095.6816399998 | 0 | 0 | 0 | 1998847.9257 | 1163260.8931000002 | 1838622.5177399998 | 1615259.18351 Autres | 9264403.43703 | 0 | 0 | 0 | 9109167.89706 | 7004151.97447 | 6761928.37086 | 5409543.9882499995 Portefeuille brut | 38701882.099020004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04096679454612202 | 37178786.39529 | 0.23328433971867155 | 30146159.48482 | -0.09664726899506951 | 33371415.672019996 | 0.15128739048151293 | 28986173.17268 | 0.15357166325707972 Provisions pour créances douteuses | 1847048.1412 | 0 | 0 | 0 | 0 | 0 | 0 | -0.028696878487664133 | 1901618.66084 | 0.394476414703613 | 1363679.32852 | 0.0826522891740798 | 1259572.75679 | 0.739021966213004 | 724299.5093 | 0.004735417357997233 Portefeuille de crédit improductif | 932897 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13115580996909287 | 824729 | 0.12474446273417715 | 733259 | 0.2539078865691141 | 584779 | 1.0398959085502195 | 286671 | -0.3526037102674669 I/Aa | 0.3911828963750762 | 0.41924533419588184 | 0.5571970738421915 liq/ac | 0.4938052483579557 | 0.5111624211180316 | 0.48628188390367477 liq/de | 0.6116392362978178 | 0.6274329981519904 | 0.6238170632553262 lid | 68011768.13328 0.002439731299607217 [sogebkcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 3387712.22689 | 0.024596773815473254 | 0 | 0 | 0 | 0 | 0 | 0 | 5409199.95624 | 0.03957755021622773 | 4213513.0541900005 | 0.04315190599868453 | 4133868.5198899996 | 0.039257496519669664 | 3231924.03163 | 0.03730129110927274 Avoirs à la BRH | 49370654.916319996 | 0.35845985454712476 | 0 | 0 | 0 | 0 | 0 | 0 | 49113854.972090006 | 0.35935185927598456 | 32015278.25152 | 0.3278784852125969 | 38966197.58544999 | 0.3700445136886619 | 30082965.03723 | 0.3472029123524445 Avoirs à l'étranger | 9628041.325690001 | 0.06990521594315921 | 0 | 0 | 0 | 0 | 0 | 0 | 10248018.089629998 | 0.0744066101620774 | 7111476.047150001 | 0.07283085205903234 | 4759170.6993 | 0.04519571105499387 | 2148084.07039 | 0.024792138816579087 Avoirs dans les banques locales | 11048.41 | 8.021792395279412e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 3196.385 | 2.3387023750520083e-05 | 20005.81 | 0.00020488576193897665 | 5592 | 5.3104717646857886e-05 | 7870.54654 | 9.083801005358203e-05 Autres liquidités | 114311.25438 | 0.0008299666206090599 | 0 | 0 | 0 | 0 | 0 | 0 | 138057.36656 | 0.0010101257860592441 | 72103.76637 | 0.0007384372395512808 | 371122.39983999997 | 0.00352438309297702 | 72354.36994 | 0.000835078853879735 62511768.133279994 | 0.453872028850319 | 0 | 0 | 0 | 0 | 0 | 0 | 64912326.76952 | 0.4749447040516974 | 43432376.929230005 | 0.44480456627180404 | 48235951.20447999 | 0.45807520907394933 | 35543198.05573 | 0.41022225914222965 Bons B.R.H. | 5500000 | 0.03993321950763663 | 0 | 0 | 0 | 0 | 0 | 0 | 4950000 | 0.03621771706633413 | 4050000 | 0.041477317631870715 | 0 | 0 | 1294000 | 0.014934716974475211 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 22700012.235310003 | 0.16481537662157666 | 0 | 0 | 0 | 0 | 0 | 0 | 22022722.121720005 | 0.16113388259291975 | 13153058.77161 | 0.1347045917285756 | 19037189.698299997 | 0.18078765803252736 | 16069323.339030001 | 0.18546429369377285 Portefeuille net | 36854833.957820006 | 0.2675876680645685 | 0 | 0 | 0 | 0 | 0 | 0 | 35277167.734450005 | 0.25811282422382253 | 28782480.1563 | 0.2947703880681163 | 32111842.915229995 | 0.3049517795303188 | 28261873.66338 | 0.3261847637797181 Immobilisations | 4088116.9210400004 | 0.029682121887413447 | 0 | 0 | 0 | 0 | 0 | 0 | 4096161.708640001 | 0.029970429458883903 | 4508152.79164 | 0.04616940377082888 | 2927240.25415 | 0.02779868869476972 | 2999691.31537 | 0.03462097434763695 Autres actifs | 6075210.58577 | 0.04410958506848566 | 0 | 0 | 0 | 0 | 0 | 0 | 5415062.206769999 | 0.03931652140917338 | 3717661.25549 | 0.038073732528804444 | 2989154.935 | 0.021703014574852787 | 2475671.40319 | 0.028572992062167357 137729941.83322 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 136673440.5411 | 1 | 97643729.90427001 | 1 | 105301379.00716 | 0.76454965133632 | 86643757.77669999 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 52065568.9171979 | 0.3780265077018994 | 0 | 0 | 0 | 0 | 0 | 0 | 53654515.87899203 | 0.39257456069423535 | 34366010.2928259 | 0.3519530678162168 | 36008544.29994681 | 0.3419570060663536 | 29574742.714907434 | 0.3413372581453363 Épargne | 37082272.90075241 | 0.2692390079250603 | 0 | 0 | 0 | 0 | 0 | 0 | 36063313.63760547 | 0.2638648262224776 | 25812253.94268559 | 0.26435137174698203 | 28544183.309672147 | 0.27107131529332845 | 23372999.71947191 | 0.26975976480278324 À terme | 22048046.37416017 | 0.16008172283161637 | 0 | 0 | 0 | 0 | 0 | 0 | 21628444.86694462 | 0.15824907005571856 | 15937603.261680763 | 0.16322198340135105 | 21724314.25017037 | 0.20630607552341 | 17746916.266448893 | 0.20482625317552128 111195888.19211048 | 0.807347238458576 | 0 | 0 | 0 | 0 | 0 | 0 | 111346274.38354212 | 0.8146884569724315 | 76115867.49719225 | 0.7795264229645499 | 86277041.85978933 | 0.8193343968830921 | 70694658.70082822 | 0.8159232761236407 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 | 6095905.496959999 | 0.04425984223780226 | 0 | 0 | 0 | 0 | 0 | 0 | 5654482.18983 | 0.04137220931472492 | 4934112.777519999 | 0.05053179330979477 | 4715026.590960002 | 0.04477649424362621 | 2602889.5680500004 | 0.03004128208241174 6095905.496959999 | 0.04425984223780226 | 0 | 0 | 0 | 0 | 0 | 0 | 5654482.18983 | 0.04137220931472492 | 4934112.777519999 | 0.05053179330979477 | 4715026.590960002 | 0.04477649424362621 | 2602889.5680500004 | 0.03004128208241174 Obligations à terme | 0 Banques locales | 5097563.80568 | 0.03701129716480055 | 0 | 0 | 0 | 0 | 0 | 0 | 5127708.24985 | 0.037517956887227207 | 5034091.11166 | 0.05155570272249357 | 4003233.8392 | 0.038016917508058454 | 1927526.08497 | 0.02224656610505812 Banque à l'étranger | 0.41944 | 3.04537992550602e-09 | 0 | 0 | 0 | 0 | 0 | 0 | 639.981 | 4.682555714309006e-06 | 429.41413 | 4.397764510030474e-06 | 659.73434 | 6.26520133183765e-06 | 2195530.95112 | 0.02533974757625778 Autres | 1216992.31308 | 0.008836076577696379 | 0 | 0 | 0 | 0 | 0 | 0 | 1076224.85696 | 0.007874425731138019 | 703471.46983 | 0.00720447150595009 | 742923.17369 | 0.0070552083998775056 | 725977.00568 | 0.00837887257326722 6314556.5382 | 0.045847376787876856 | 0 | 0 | 0 | 0 | 0 | 0 | 6204573.08781 | 0.045397065174079536 | 5737991.99562 | 0.05876457199295369 | 4746816.74723 | 0.0450783911092678 | 4849034.04177 | 0.055965186254583126 0 Autres passifs | 3672938.0652900003 | 0.026667680363487236 | 0 | 0 | 0 | 0 | 0 | 0 | 3697789.3651900003 | 0.027055654343303176 | 2764988.6704599997 | 0.028317114403257605 | 2041627.0657100002 | 0.019388417178954315 | 1614100.30309 | 0.018629158574237872 127279288.29256049 | 0.9241221378477424 | 0 | 0 | 0 | 0 | 0 | 0 | 126903119.02637212 | 0.9285133858045391 | 89552960.94079225 | 0.9171399026705559 | 97780512.26368931 | 0.9285776994149403 | 79760682.61373822 | 0.9205589030348734 AVOIR DES ACTIONNAIRES | 0 Capital versé | 3000000 | 0.021781756095074527 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0.021950131555354017 | 3000000 | 0.030723938986570897 | 1500000 | 0.014244827694972609 | 1500000 | 0.01731226851755241 Réserves | 2131701.77986 | 0.015477402745448926 | 0 | 0 | 0 | 0 | 0 | 0 | 1787827.4278599997 | 0.013081015746599062 | 1465069.6438699998 | 0.015004236783113009 | 2480397.4225700004 | 0.023555222599709214 | 2453566.88816 | 0.028317872529067603 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 | 376690.93492 | 0.003577264974795694 | 371816.94492 | 0.004291329859887356 BNR | 5318951.760780001 | 0.038618703311592395 | 0 | 0 | 0 | 0 | 0 | 0 | 4982494.086860002 | 0.036455466893450174 | 3625699.3197100074 | 0.037131921560807295 | 3163778.386000003 | 0.030044985315765726 | 2557691.3298499957 | 0.029519626058252556 10450653.54064 | 0.07587786215211584 | 0 | 0 | 0 | 0 | 0 | 0 | 9770321.51472 | 0.07148661419540324 | 8090768.963580007 | 0.0828600973304912 | 7520866.743490003 | 0.07142230058524324 | 6883075.162929996 | 0.07944109696475993 137729941.83320048 | 0.9999999999998582 | 0 | 0 | 0 | 0 | 0 | 0 | 136673440.54109213 | 0.9999999999999424 | 97643729.90437226 | 1.0000000000010472 | 105301379.00717932 | 1.0000000000001836 | 86643757.77666822 | 0.9999999999996333 [sogebkgdes&$ ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1423908.1687099999 | 1963804.0581800002 | 3387712.22689 | 0.42031556205031656 | 2198821.10559 | 3210378.85065 | 5409199.95624 | 0.40649654724881473 Avoirs à la BRH | 32301932.177849997 | 17068722.73847 | 49370654.916319996 | 0.6542739251200869 | 33284293.577400003 | 15829561.39469 | 49113854.972090006 | 0.6776966213772979 Avoirs à l'étranger | 9628041.325690001 | 0 | 9628041.325690001 | 1 | 10248018.089629998 | 0 | 10248018.089629998 | 1 Avoirs dans les banques locales | 0 | 11048.41 | 11048.41 | 0 | 0 | 3196.385 | 3196.385 | 0 Autres liquidités | 71173.14654 | 43138.107840000004 | 114311.25438 | 0.6226258903904787 | 117730.86958 | 20326.49698 | 138057.36656 | 0.8527677480276573 43425054.818789996 | 19086713.31449 | 62511768.133279994 | 0.6946700775797027 | 45848863.6422 | 19063463.127320003 | 64912326.76952 | 0.7063198305152825 Bons B.R.H. | 0 | 5500000 | 5500000 | 0 | 0 | 4950000 | 4950000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 19077559.336250003 | 3622452.8990599997 | 22700012.235310003 | 0.8404206631472536 | 18610416.142680004 | 3412305.9790400006 | 22022722.121720005 | 0.8450552134209331 Portefeuille net | 16709794.87447 | 20145039.08335 | 36854833.95782 | 0.45339493032567174 | 14988740.43994 | 20288427.29451 | 35277167.73445 | 0.424885029114815 Immobilisations | 0 | 4088116.9210400004 | 4088116.9210400004 | 0 | 0 | 4096161.708640001 | 4096161.708640001 | 0 Autres actifs | 2527792.73484 | 3547417.8509299997 | 6075210.58577 | 0.41608314627987764 | 2281112.39548 | 3133949.8112899996 | 5415062.206769999 | 0.4212532208084546 | 13252658.14675 81740201.76435 | 55989740.06887 | 137729941.83322 | 0.5934817126644174 | 81729132.62030001 | 54944307.9208 | 136673440.54110003 | 0.5979884043068534 | 13252658.14675 13252658.14675 PASSIF | 13252658.14675 Dépôts | 13252658.14675 À vue | 34270773.3885779 | 17794795.52862 | 52065568.9171979 | 0.658223353769171 | 35740182.26988202 | 17914333.609110005 | 53654515.87899203 | 0.666116946250852 Épargne | 24777580.494432412 | 12304692.406319998 | 37082272.90075241 | 0.6681785811982864 | 24161725.71634547 | 11901587.921260001 | 36063313.63760547 | 0.6699807443970021 À terme | 16922141.18390017 | 5125905.1902600005 | 22048046.37416017 | 0.767512046043796 | 16651092.927894624 | 4977351.939049996 | 21628444.86694462 | 0.7698700960855015 75970495.06691048 | 35225393.1252 | 111195888.19211048 | 0.6832131682392614 | 76553000.91412212 | 34793273.46942 | 111346274.38354212 | 0.6875218891512124 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 | 3343879.29889 | 2752026.19807 | 6095905.49696 | 0.5485451341982872 | 2737529.18014 | 2916953.00969 | 5654482.18983 | 0.4841343713246894 3343879.29889 | 2752026.19807 | 6095905.49696 | 0.5485451341982872 | 2737529.18014 | 2916953.00969 | 5654482.18983 | 0.4841343713246894 Obligations à terme Banques locales | 0 | 5097563.80568 | 5097563.80568 | 0 | 0 | 5127708.24985 | 5127708.24985 | 0 Banque à l'étranger | 0.41944 | 0 | 0.41944 | 1 | 639.981 | 0 | 639.981 | 1 Autres | 517212.83374999993 | 699779.4793300001 | 1216992.31308 | 0.4249926874566878 | 526543.0077999999 | 549681.8491600001 | 1076224.85696 | 0.4892499967779223 517213.25318999996 | 5797343.285010001 | 6314556.5382 | 0.08190808809155654 | 527182.9887999999 | 5677390.09901 | 6204573.08781 | 0.0849668432201638 Autres passifs | 1875747.84119 | 1797190.2241 | 3672938.0652900003 | 0.5106941113209048 | 1902625.98397 | 1795163.38122 | 3697789.3651900003 | 0.5145306549585577 81707335.46018046 | 45571952.832380004 | 127279288.29256046 | 0.6419531139455334 | 51649009.287942246 | 37903951.65285 | 89552960.94079225 | 0.5767426196224811 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 2131701.77986 | 2131701.77986 | 0 | 0 | 1787827.4278599997 | 1787827.4278599997 | 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 | 5318951.760780001 | 5318951.760780001 | 0 | 0 | 4982494.086860002 | 4982494.086860002 | 0 0 | 10450653.54064 | 10450653.54064 | 0 | 0 | 9770321.51472 | 9770321.51472 | 0 81707335.46018046 | 56022606.37302001 | 137729941.83320045 | 0.5932430840574459 | 81720339.06703213 | 54953101.47406 | 136673440.54109213 | 0.5979240644231982 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes [SOGEBKRÉSULT] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 975012.43252 | 0 | 0 | 0 | 0 | 0 | 0 | 628842.1302300001 | 0.7058044770913563 | 1072681.72113 | -0.12034224730147652 | 943592.79217 | 0.22560508650181282 | 1156472.12567 Intérêts sur bons B.R.H. | 145529.50549999997 | 0 | 0 | 0 | 0 | 0 | 0 | 122504.14971999999 | 0.11205960395118629 | 136231.91622 | 0.09755783181187358 | 149522.40659000003 | -0.19995702076935137 | 119624.35162999999 Autres | 83400.80274 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 53588.07488999999 | 0.013453443167717698 | 54309.01901 | 0.13404725444699203 | 61588.9939 | 0.35999159177691975 | 83760.51385 1203942.74076 | 0 | 0 | 0 | 0 | 0 | 0 | 804934.3548400002 | 0.5693486664649758 | 1263222.65636 | -0.0859060460589725 | 1154704.1926600002 | 0.17766697288714745 | 1359856.99115 Dépenses d'intérêt | 188834.94015 | 0 | 0 | 0 | 0 | 0 | 0 | 167151.26121 | 0.02135914419164669 | 170721.4691 | 0.09552758745560756 | 187030.07917000004 | 0.056106572785342236 | 197523.69591999997 1015107.8006099999 | 0 | 0 | 0 | 0 | 0 | 0 | 637783.0936300001 | 0.712966678125522 | 1092501.18726 | -0.11425806692537058 | 967674.1134900001 | 0.20116191910719255 | 1162333.2952299998 AUTRES REVENUS Commissions | 446196.5897 | 0 | 0 | 0 | 0 | 0 | 0 | 356010.47283999994 | -0.006539719636411919 | 353682.2641599999 | 0.2514607376234348 | 442619.46719 | 0.1686980435678565 | 517288.50535000005 Gains sur change | 181652.97268 | 0 | 0 | 0 | 0 | 0 | 0 | 224099.42096999998 | -0.3081898167833535 | 155034.26148000007 | 0.291571569074306 | 200237.84435999993 | 0.12450128211118593 | 225167.71271000002 Autres | 107624.38160000002 | 0 | 0 | 0 | 0 | 0 | 0 | 336838.96482720005 | -0.5537757573682895 | 150305.7119688667 | 0.7644897339291656 | 265212.8857199794 | -0.2765845275611109 | 191859.10502000002 735473.94398 | 0 | 0 | 0 | 0 | 0 | 0 | 916948.8586372 | -0.2812879023718644 | 659022.2376088668 | 0.377905244236878 | 908070.1972699794 | 0.02890208916548965 | 934315.3230800001 PRODUIT NET BANCAIRE | 1750581.7445899998 | 0 | 0 | 0 | 0 | 0 | 0 | 1554731.9522672002 | 0.12657582055523708 | 1751523.4248688668 | 0.0709216240715781 | 1875744.3107599795 | 0.11776888048271267 | 2096648.6183099998 Dotation à la provision pour créances douteuses | 311635.48749 | 0 | 0 | 0 | 0 | 0 | 0 | 52083.80394999999 | 6.464933085211032 | 388802.11130999995 | -0.3469706190263948 | 253899.20207 | 0.7711119777210728 | 449683.91792 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1438946.2570999998 | 0 | 0 | 0 | 0 | 0 | 0 | 1502648.1483172001 | -0.0931201591770076 | 1362721.3135588667 | 0.1901517152134271 | 1621845.1086899797 | 0.015488280332953748 | 1646964.70039 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 462019.13408 | 0 | 0 | 0 | 0 | 0 | 0 | 410976.80285000004 | 0.00964969397907216 | 414942.60323 | 0.10332347880469554 | 457815.9165000001 | 0.07439860499039645 | 491876.78202999994 Frais de locaux | 57350.60637999998 | 0 | 0 | 0 | 0 | 0 | 0 | 36632.25243 | 1.0216613767203175 | 74058.00988 | 0.1053073076448702 | 81856.85951 | -0.583008498562908 | 34133.61474999999 Amortissement | 88857.64888000001 | 0 | 0 | 0 | 0 | 0 | 0 | 70513.56282 | 0.058085832656838386 | 74609.40182999999 | -0.0012694172272792509 | 74514.69136999999 | 0.4567654481852017 | 108550.42777000001 Autres dépenses d'exploitation | 374295.89813999995 | 0 | 0 | 0 | 0 | 0 | 0 | 381934.98673999996 | -0.023921133195947387 | 372798.66905 | 0.11345285262895424 | 415093.74150999996 | 0.3146460833037001 | 545701.36148 982523.2874799999 | 0 | 0 | 0 | 0 | 0 | 0 | 900057.6048399999 | 0.04038750292706224 | 936408.68399 | 0.09917947845621632 | 1029281.2088900001 | 0.14668583846276678 | 1180262.18603 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 456422.9696199999 | 0 | 0 | 0 | 0 | 0 | 0 | 602590.5434772002 | -0.292533488645766 | 426312.6295688667 | 0.3899750058994125 | 592563.8997999795 | -0.21240137221059913 | 466702.5143599999 Impôts sur le revenu | 120000 | 0 | 0 | 0 | 0 | 0 | 0 | 79000 | 0.18354430379746836 | 93500 | 0.22459893048128343 | 114500 | -0.06550218340611354 | 107000 BÉNÉFICE NET (PERTE NETTE) | 336422.9696199999 | 0 | 0 | 0 | 0 | 0 | 0 | 523590.5434772002 | -0.36436470498753565 | 332812.6295688667 | 0.43643557162862107 | 478063.8997999795 | -0.247584863633296 | 359702.5143599999 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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 | 975012.43252 | 0.5504884066266162 | 628842.1302300001 | 0 | 0 | 1072681.72113 | 0 | 0 | 943592.79217 | 0 | 0 | 1156472.12567 | 975012.43252 | 0.5504884066266162 | 628842.1302300001 | 3801588.7692 Intérêts sur Bons B.R.H. | 145529.50549999997 | 0.1879557209500869 | 122504.14971999999 | 0 | 0 | 136231.91622 | 0 | 0 | 149522.40659000003 | 0 | 0 | 119624.35162999999 | 145529.50549999997 | 0.1879557209500869 | 122504.14971999999 | 527882.8241600001 Autres | 83400.80274 | 0.5563313836370586 | 53588.07488999999 | 0 | 0 | 54309.01901 | 0 | 0 | 61588.9939 | 0 | 0 | 83760.51385 | 83400.80274 | 0.5563313836370586 | 53588.07488999999 | 253246.60164999997 1203942.74076 | 0.4957030141909053 | 804934.3548400002 | 0 | 0 | 1263222.65636 | 0 | 0 | 1154704.1926600002 | 0 | 0 | 1359856.99115 | 1203942.74076 | 0.4957030141909053 | 804934.3548400002 | 4582718.19501 Dépenses d'intérêt | 188834.94015 | 0.12972488979761743 | 167151.26121 | 0 | 0 | 170721.4691 | 0 | 0 | 187030.07917000004 | 0 | 0 | 197523.69591999997 | 188834.94015 | 0.12972488979761743 | 167151.26121 | 722426.5054 1015107.8006099999 | 0.591619173898797 | 637783.0936300001 | 0 | 0 | 1092501.18726 | 0 | 0 | 967674.1134900001 | 0 | 0 | 1162333.2952299998 | 1015107.8006099999 | 0.591619173898797 | 637783.0936300001 | 3860291.68961 AUTRES REVENUS Commissions | 446196.5897 | 0.25332433661447923 | 356010.47283999994 | 0 | 0 | 353682.2641599999 | 0 | 0 | 442619.46719 | 0 | 0 | 517288.50535000005 | 446196.5897 | 0.25332433661447923 | 356010.47283999994 | 1669600.70954 Gains sur change | 181652.97268 | -0.18940900474563138 | 224099.42096999998 | 0 | 0 | 155034.26148000007 | 0 | 0 | 200237.84435999993 | 0 | 0 | 225167.71271000002 | 181652.97268 | -0.18940900474563138 | 224099.42096999998 | 804539.23952 Autres | 107624.38160000002 | -0.6804871382525124 | 336838.96482720005 | 0 | 0 | 150305.7119688667 | 0 | 0 | 265212.8857199794 | 0 | 0 | 191859.10502000002 | 107624.38160000002 | -0.6804871382525124 | 336838.96482720005 | 944216.6675360462 735473.94398 | -0.19791170788621087 | 916948.8586372 | 0 | 0 | 659022.2376088668 | 0 | 0 | 908070.1972699794 | 0 | 0 | 934315.3230800001 | 735473.94398 | -0.19791170788621087 | 916948.8586372 | 3418356.6165960464 PRODUIT NET BANCAIRE | 1750581.7445899998 | 0.12597013397531326 | 1554731.9522672002 | 0 | 0 | 1751523.4248688668 | 0 | 0 | 1875744.3107599795 | 0 | 0 | 2096648.6183099998 | 1750581.7445899998 | 0.12597013397531326 | 1554731.9522672002 | 7278648.306206046 Dotation à la provision pour créances douteuses | 311635.48749 | 4.983347295239178 | 52083.80394999999 | 0 | 0 | 388802.11130999995 | 0 | 0 | 253899.20207 | 0 | 0 | 449683.91792 | 311635.48749 | 4.983347295239178 | 52083.80394999999 | 1144469.03525 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1438946.2570999998 | -0.042393085359696075 | 1502648.1483172001 | 0 | 0 | 1362721.3135588667 | 0 | 0 | 1621845.1086899797 | 0 | 0 | 1646964.70039 | 1438946.2570999998 | -0.042393085359696075 | 1502648.1483172001 | 6134179.270956046 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 462019.13408 | 0.12419759674034349 | 410976.80285000004 | 0 | 0 | 414942.60323 | 0 | 0 | 457815.9165000001 | 0 | 0 | 491876.78202999994 | 462019.13408 | 0.12419759674034349 | 410976.80285000004 | 1775612.10461 Frais de locaux | 57350.60637999998 | 0.5655768503340154 | 36632.25243 | 0 | 0 | 74058.00988 | 0 | 0 | 81856.85951 | 0 | 0 | 34133.61474999999 | 57350.60637999998 | 0.5655768503340154 | 36632.25243 | 226680.73657 Amortissement | 88857.64888000001 | 0.2601497545490214 | 70513.56282 | 0 | 0 | 74609.40182999999 | 0 | 0 | 74514.69136999999 | 0 | 0 | 108550.42777000001 | 88857.64888000001 | 0.2601497545490214 | 70513.56282 | 328188.08378999995 Autres dépenses d'exploitation | 374295.89813999995 | -0.020001018145007706 | 381934.98673999996 | 0 | 0 | 372798.66905 | 0 | 0 | 415093.74150999996 | 0 | 0 | 545701.36148 | 374295.89813999995 | -0.020001018145007706 | 381934.98673999996 | 1715528.7587799998 982523.2874799999 | 0.09162267192293726 | 900057.6048399999 | 0 | 0 | 936408.68399 | 0 | 0 | 1029281.2088900001 | 0 | 0 | 1180262.18603 | 982523.2874799999 | 0.09162267192293726 | 900057.6048399999 | 4046009.68375 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 456422.9696199999 | -0.2425653297075525 | 602590.5434772002 | 0 | 0 | 426312.6295688667 | 0 | 0 | 592563.8997999795 | 0 | 0 | 466702.5143599999 | 456422.9696199999 | -0.2425653297075525 | 602590.5434772002 | 2088169.587206046 Impôts sur le revenu | 120000 | 0.5189873417721519 | 79000 | 0 | 0 | 93500 | 0 | 0 | 114500 | 0 | 0 | 107000 | 120000 | 0.5189873417721519 | 79000 | 394000 BÉNÉFICE NET (PERTE NETTE) | 336422.9696199999 | -0.3574693549929451 | 523590.5434772002 | 0 | 0 | 332812.6295688667 | 0 | 0 | 478063.8997999795 | 0 | 0 | 359702.5143599999 | 336422.9696199999 | -0.3574693549929451 | 523590.5434772002 | 1694169.587206046 #DIV/0! | 0.8523643063085429 | #DIV/0! | 0.9668066382965081 Com /sal 883293.0578372001 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 975012.43252 | 0.5504884066266162 | 628842.1302300001 | 3801588.7692 | 0.142798687902863 | 3326560.3202400003 | -0.12580579296264632 | 3805287.53618 | 0.32617667440682857 | 2869366.96265 Intérêts sur Bons B.R.H. | 145529.50549999997 | 0.1879557209500869 | 122504.14971999999 | 527882.8241600001 | 2.4027005155722354 | 155136.43406 | 2.8185652459060764 | 40626.89101 | -0.5715272199614806 | 94817.90419999999 Autres | 83400.80274 | 0.5563313836370586 | 53588.07488999999 | 253246.60164999997 | -0.499093632220233 | 505576.72639 | 0.1942297910109654 | 423349.61847 | 0.15846736714909224 | 365439.39905 1203942.74076 | 0.4957030141909053 | 804934.3548400002 | 4582718.19501 | 0.14933631144281523 | 3987273.48069 | -0.06605132921133376 | 4269264.045659999 | 0.2822059501978113 | 3329624.2659 Dépenses d'intérêt | 188834.94015 | 0.12972488979761743 | 167151.26121 | 722426.5054 | -0.2535916732169889 | 967870.37266 | 0.012647555187639336 | 955782.0662300001 | 0.2784323417880711 | 747620.3745700001 1015107.8006099999 | 0.591619173898797 | 637783.0936300001 | 3860291.68961 | 0.2784949711893999 | 3019403.1080300002 | -0.08875221692033707 | 3313481.9794299994 | 0.2832986001904173 | 2582003.89133 AUTRES REVENUS Commissions | 446196.5897 | 0.25332433661447923 | 356010.47283999994 | 1669600.70954 | 0.07661116970075371 | 1550792.66919 | 0.08693292536766555 | 1426760.2287100002 | 0.08751678362766846 | 1311943.18119 Gains sur change | 181652.97268 | -0.18940900474563138 | 224099.42096999998 | 804539.23952 | 0.6220414220540942 | 496004.12701 | -0.07191109914505922 | 534436.0077499999 | 0.04932355245255623 | 509314.7928500001 Autres | 107624.38160000002 | -0.6804871382525124 | 336838.96482720005 | 944216.6675360462 | 1.0943075552897912 | 450849.0957553721 | -0.1872287436786713 | 554706.0039942273 | 0.04736608490415729 | 529619.9790973635 735473.94398 | -0.19791170788621087 | 916948.8586372 | 3418356.6165960464 | 0.368631409122557 | 2497645.891955372 | -0.0072563823050450504 | 2515902.240454227 | 0.070196875638155 | 2350877.9531373633 PRODUIT NET BANCAIRE | 1750581.7445899998 | 0.12597013397531326 | 1554731.9522672002 | 7278648.306206046 | 0.31930100788036203 | 5517048.999985373 | -0.05357945335520474 | 5829384.219884226 | 0.18174008696810054 | 4932881.844467363 Dotation à la provision pour créances douteuses | 311635.48749 | 4.983347295239178 | 52083.80394999999 | 1144469.03525 | 1.6470383959393213 | 432358.30542 | -0.21934449185895985 | 553840.07531 | 0.3198199706419619 | 419633.04665 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1438946.2570999998 | -0.042393085359696075 | 1502648.1483172001 | 6134179.270956046 | 0.20640165536762925 | 5084690.694565373 | -0.0361770169632912 | 5275544.144574226 | 0.16890168942725106 | 4513248.797817363 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 462019.13408 | 0.12419759674034349 | 410976.80285000004 | 1775612.10461 | -0.14814908981232955 | 2084416.51394 | 0.0965369743408799 | 1900908.55367 | 0.24105099774000616 | 1531692.5389300003 Frais de locaux | 57350.60637999998 | 0.5655768503340154 | 36632.25243 | 226680.73657 | 0.1621685017225463 | 195049.80236000003 | 0.11301762523896415 | 175244.12726 | 0.2170269490192777 | 143993.62923000002 Amortissement | 88857.64888000001 | 0.2601497545490214 | 70513.56282 | 328188.08378999995 | 0.15582726314654727 | 283942.15489999996 | 0.04736573149753937 | 271101.24607 | 0.05368006471883872 | 257289.9072 Autres dépenses d'exploitation | 374295.89813999995 | -0.020001018145007706 | 381934.98673999996 | 1715528.7587799998 | 0.08671126649233586 | 1578642.65484 | -0.043456722956358794 | 1650361.9781 | 0.1361331782758342 | 1452613.1352 982523.2874799999 | 0.09162267192293726 | 900057.6048399999 | 4046009.68375 | -0.0231869282554753 | 4142051.12604 | 0.03613033977469801 | 3997615.9051 | 0.18077405629455146 | 3385589.2105600005 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 456422.9696199999 | -0.2425653297075525 | 602590.5434772002 | 2088169.587206046 | 1.2152365091916253 | 942639.5685253725 | -0.26236893480560386 | 1277928.2394742258 | 0.13325710517155162 | 1127659.587257363 Impôts sur le revenu | 120000 | 0.5189873417721519 | 79000 | 394000 | 0.6554621848739496 | 238000 | 0.17357001972386588 | 202800 | -0.060240963855421686 | 215800 BÉNÉFICE NET (PERTE NETTE) | 336422.9696199999 | -0.3574693549929451 | 523590.5434772002 | 1694169.587206046 | 1.4043066311923167 | 704639.5685253725 | -0.3445995159889343 | 1075128.2394742258 | 0.17905021178527347 | 911859.5872573629 [sgbelinfin] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) INDICATEURS FINANCIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 10442659.728659997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.036101653905528934 | 10078798.435749 | 0.30251728040532055 | 7737938.365479999 | -0.07476669001229543 | 8363229.34113 | 0.13138244450413766 | 7392044.46892 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 4805310.620719998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0033212180902102866 | 4821323.286839 | 0.16623299565032765 | 4134099.53656 | -0.1169916737954485 | 4681835.28272 | 0.12771076686685454 | 4151627.7225300004 Dépôts | 6894128.06735 | 0 | 0 | 0 | 0 | 0 | 0 | 0.046401500850170925 | 6588415.69106 | 0.505870701371239 | 4375153.64703 | -0.17107250710601704 | 5278089.68159 | 0.2082228207146652 | 4368473.75426 Avoir des Actionnaires | 947979.35779 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10263859940317126 | 859737.1417099999 | -0.01998971053553195 | 877273.58677 | 0.23796749325637734 | 708640.24423 | 0.027132082479363072 | 689921.24413 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 78591.06939 | -0.05829848155399589 | 83456.45393000002 | 0 | 0 | 83768.74135000003 | 0 | 0 | 98230.62569000002 | 0 | 0 | 138144.59694 | 78591.06939 | -0.05829848155399589 | 83456.45393000002 Autres revenus | 14303.62676 | -0.26249205712634605 | 19394.53927 | 0 | 0 | 11449.11293 | 0 | 0 | 14293.30055 | 0 | 0 | 31868.05861 | 14303.62676 | -0.26249205712634605 | 19394.53927 Dot. à la prov. pr créances douteuses | -17835.72902 | -6.350718695298562 | 3333.33334 | 0 | 0 | 5000.00001 | 0 | 0 | 5000.00001 | 0 | 0 | 24835.729030000002 | -17835.72902 | -6.350718695298562 | 3333.33334 Dépenses d'exploitation | 70036.11352 | -0.022139350265936966 | 71621.77304 | 0 | 0 | 66625.19930000001 | 0 | 0 | 70843.48100999999 | 0 | 0 | 73088.05468 | 70036.11352 | -0.022139350265936966 | 71621.77304 Bénéfice (perte) net | 29706.84766650001 | 0.45879255001652164 | 20363.99738000003 | 0 | 0 | 17222.63812210002 | 0 | 0 | 26776.7343997 | 0 | 0 | 53501.40332449998 | 29706.84766650001 | 0.45879255001652164 | 20363.99738000003 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.09077949319637985 | 0.10404782512671386 | 0 | 0.08708968373660052 | 0 | 0.08333217670328669 | 0 | 0.0853015512901374 | 0.09077949319637985 | 0.10404782512671386 | 0.0853015512901374 | 0.11337303882952046 | 0.08473284843988887 | 0.0933329401670658 Dépôts en % de l'actif | 0.6601889026824257 | 0.6060596712353872 | 0 | 0.6389670374533006 | 0 | 0.6518576240943386 | 0 | 0.6536905895142436 | 0.6601889026824257 | 0.6060596712353872 | 0.6536905895142436 | 0.5654159338549604 | 0.6311066534589197 | 0.5909696258764859 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.04529955565395707 | 0.03736388291599661 | 0 | 0.06748037632945818 | 0 | 0.05597967020642519 | 0 | 0.041209673197505875 | 0.04529955565395707 | 0.03736388291599661 | 0.041209673197505875 | 0.10797350993144256 | 0.13875000598534182 | 0.1801192087514468 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.7747545230483569 | 0.9531392648882143 | 0 | 0.5472490246093445 | 0 | 0.666033514417232 | 0 | 1.0065933566073082 | 0.7747545230483569 | 0.9531392648882143 | 1.0065933566073082 | 0.4099381920533815 | 0.2578694467653901 | 0.16677009117066643 Prêts improductifs nets en % de l'avoir des actionnaires | 0.05360292830474964 | 0.008950756384289167 | 0 | 0.17661717851295514 | 0 | 0.1117824100028346 | 0 | -0.0015896654962255787 | 0.05360292830474964 | 0.008950756384289167 | -0.0015896654962255787 | 0.3141390730281408 | 0.7055490775340778 | 0.9310848678678446 Rentabilité ROA (rendement de l'actif) | 0.011580794085294199 | 0.010144421633480342 | 0 | 0.007921694207018425 | 0 | 0.011349995326862643 | 0 | 0.021528959182623354 | 0.011580794085294199 | 0.010144421633480342 | 0.013230792433120487 | 0.018926296875654385 | 0.013439351213619317 | 0.019216713801520603 ROE (rendement avoir des action.) | 0.13146684305737846 | 0.09346161164203193 | 0 | 0.08320843599857068 | 0 | 0.13331256542834347 | 0 | 0.25529244308418203 | 0.13146684305737846 | 0.09346161164203193 | 0.1357098966561243 | 0.19215134776134005 | 0.15139889090489278 | 0.2040257977670168 Revenus nets d'intérêt en % des revenus d'intérêt | 0.6667259404459324 | 0.6891529778092829 | 0 | 0.6876221733528087 | 0 | 0.7097164313035347 | 0 | 0.777693770580007 | 0.6667259404459324 | 0.6891529778092829 | 0.7220485329128635 | 0.7041521584010543 | 0.5774860997329101 | 0.5866113731458331 Rendement moyen des prêts | 0.0854568669018463 | 0.1083401042030888 | 0 | 0.10113689563628281 | 0 | 0.10898288311511962 | 0 | 0.13635095499968106 | 0.0854568669018463 | 0.1083401042030888 | 0.11328782114511048 | 0.13074904120467093 | 0.12245710959012242 | 0.10708452236488684 Rendement moyen des prêts productifs | 0.08931943441497857 | 0.116778895449475 | 0 | 0.1067586159495132 | 0 | 0.11612915953941053 | 0 | 0.14329892334287975 | 0.08931943441497857 | 0.116778895449475 | 0.12208767337087792 | 0.1492995192767712 | 0.1454587835706145 | 0.12498660766845193 Rémunération moyenne des dépôts | 0.023310173482949868 | 0.03197459006175399 | 0 | 0.028085825521045958 | 0 | 0.02637652120070441 | 0 | 0.024342398391869465 | 0.023310173482949868 | 0.03197459006175399 | 0.028342112403161347 | 0.037619099417430135 | 0.0510484400102438 | 0.04942189001437359 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.7539301641819299 | 0.6963644279129818 | 0 | 0.6997133027602183 | 0 | 0.6295859323189572 | 0 | 0.42989772992814124 | 0.7539301641819299 | 0.6963644279129818 | 0.5871313365281908 | 0.49087972928381 | 0.5916207089570608 | 0.5277503330403409 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4794.564962580645 | 5635.670860273974 | 0 | 4978.711334901962 | 0 | 5733.70324789809 | 0 | 8718.59772051282 | 4794.564962580645 | 5635.670860273974 | 6494.667963108108 | 7456.544110000001 | 12772.340337049181 | 5038.16690244898 [sgbelvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 67219.84224999999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.23847831714093654 | 88270.42455 | 0.9346251274504883 | 45626.62983 | 0.35079470515525835 | 33777.61969 | -0.1810026754001269 | 41242.64961 Avoirs à la BRH | 1496700.6732799998 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06929439165811611 | 1399708.7097399998 | 0.43823514391065455 | 973212.7014599999 | -0.01657489815766018 | 989615.4772099999 | -0.23168170019836357 | 1288027.99239 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 236407.84713999997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4892136775664833 | 158746.76059 | 0.21999445720961408 | 130120.88674000002 | 0.2728736000277192 | 102226.08649999999 | -0.9079891725117902 | 1111022.35781 Autres liquidités | 6988.6967 | 0 | 0 | 0 | 0 | 0 | 0 | -0.8551918148294089 | 48261.75186 | -0.32333082732641344 | 71322.52186000001 | 11.369955809201677 | 5765.78631 | -0.7439558973683807 | 22518.72334 1807317.0593699997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06627152289047349 | 1694987.64674 | 0.3890122275209691 | 1220282.7398899999 | 0.07857428953010247 | 1131384.96971 | -0.5406124800060114 | 2462811.72315 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 | 1947287.27127 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13375719697371147 | 1717552.29115 | 1.3053651725369102 | 745023.96046 | -0.22579727435709243 | 962311.2083999999 | 6.8177444416081885 | 123093.20361999999 Portefeuille net | 4805310.620719998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0033212180902102866 | 4821323.286839 | 0.16623299565032765 | 4134099.53656 | -0.1169916737954485 | 4681835.28272 | 0.12771076686685454 | 4151627.7225300004 Immobilisations | 626101.95165 | 0 | 0 | 0 | 0 | 0 | 0 | -0.030624202990134367 | 645881.5596399999 | -0.1586219159201207 | 767647.23477 | 0.305785764871017 | 587881.4545400001 | 0.14268995471509768 | 514471.53456999996 Autres actifs | 1256642.8256499998 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04802885525907871 | 1199053.65138 | 0.37682219535130007 | 870884.8938000001 | -0.12895520481371744 | 999816.4257599998 | 6.139491507054738 | 140040.28505 10442659.728659997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.036101653905528934 | 10078798.435749 | 0.30251728040532055 | 7737938.365479999 | -0.07476669001229543 | 8363229.34113 | 0.13138244450413766 | 7392044.46892 PASSIF Dépôts À vue | 3034178.3679099996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08321809636759848 | 2801077.98982 | 0.5677553178101992 | 1786680.5859299998 | -0.13414833437397097 | 2063495.00366 | 0.19217511241185253 | 1730865.69429 Épargne | 972042.9224200002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03580808166871311 | 938439.2143900001 | 0.5205444795007745 | 617173.14228 | -0.2010793471621563 | 772508.68417 | 0.1744895118875346 | 657739.9596599999 À terme | 2887906.77702 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013692411417976157 | 2848898.48685 | 0.44518774624376867 | 1971299.91882 | -0.19278030181695036 | 2442085.99376 | 0.23345893263173823 | 1979868.1003100001 6894128.06735 | 0 | 0 | 0 | 0 | 0 | 0 | 0.046401500850170925 | 6588415.69106 | 0.505870701371239 | 4375153.64703 | -0.17107250710601704 | 5278089.68159 | 0.2082228207146652 | 4368473.75426 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 | 147782.98613 | 0 | 0 | 0 | 0 | 0 | 0 | -0.19375921733553308 | 183298.82252 | -0.23032796384839807 | 238151.85418 | 0.4810811258374844 | 160795.95508 | -0.14793277069386485 | 188712.75592999998 147782.98613 | 0 | 0 | 0 | 0 | 0 | 0 | -0.19375921733553308 | 183298.82252 | -0.23032796384839807 | 238151.85418 | 0.4810811258374844 | 160795.95508 | -0.14793277069386485 | 188712.75592999998 Obligations à terme Banques locales | 1747542.04506 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007927300499832557 | 1733797.70961 | -0.0027344952384451976 | 1738551.7711500002 | -0.10648747458610221 | 1945749.74799 | 0.00948284116691555 | 1927471.8386900001 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3713.0963899999997 | 0 | 0 | 0 | 0 Autres | 304130.19981 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03357229417203569 | 294251.50182999996 | -0.06351369316988965 | 314208.01317 | 2.0800230052089037 | 102014.82672 | 0.20411510280686063 | 84721.82308999999 2051672.24487 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011648155920845098 | 2028049.21144 | -0.013821562898600868 | 2056472.8807100002 | 0.004252591390410858 | 2047764.57471 | 0.0176776786477568 | 2012193.6617800002 Autres passifs | 401097.07229000004 | 0 | 0 | 0 | 0 | 0 | 0 | -0.043407110902302065 | 419297.56834 | 1.196581714383247 | 190886.39661999998 | 0.13664203576940454 | 167938.88543 | 0.26514256126511787 | 132743.0525 9494680.37064 | 0 | 0 | 0 | 0 | 0 | 0 | 0.029896653087501827 | 9219061.29336 | 0.3437562672056228 | 6860664.778539999 | -0.10371873763947217 | 7654589.09681 | 0.1421140495988597 | 6702123.224470001 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 0.2 | 250000 | 0 | 250000 Réserves | 303641.99439999997 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03455145849107096 | 314508.72972 | -0.20456549323199935 | 395392.36360000004 | 0.2941079875453625 | 305532.74332999997 | 0.3433375091996941 | 227443.0225 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 | 344337.36339 | 0 | 0 | 0 | 0 | 0 | 0 | 0.4041495461139369 | 245228.41199 | 0.3482887772356299 | 181881.22316999998 | 0.18793149976886578 | 153107.5009 | -0.27942026375477436 | 212478.22163000001 947979.35779 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10263859940317126 | 859737.1417099999 | -0.01998971053553195 | 877273.58677 | 0.23796749325637734 | 708640.24423 | 0.027132082479363072 | 689921.24413 10442659.728430001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.036101653952510394 | 10078798.43507 | 0.302517280346187 | 7737938.365309999 | -0.07476669002266577 | 8363229.34104 | 0.1313824445409396 | 7392044.468600001 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 | 495070.158135 | 0 | 0 | 0 | 525606.4589699999 | 391390.95843999996 | 573018.68422 | 607470.4712700001 Portefeuille brut | 4980092.110909998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.009916838728683607 | 5029973.547389 | 0.16284924310958557 | 4325559.46284 | -0.10915413641292289 | 4855564.40193 | 0.13442506424790862 | 4280198.45026 Provisions pour créances douteuses | 174781.49019 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1623231635116211 | 208650.26055 | 0.08978554731531672 | 191459.92628 | 0.1020600757698391 | 173729.11921 | 0.3512338483051379 | 128570.72773 Portefeuille de crédit improductif | 225595.95974 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08834464789616944 | 207283.56608000002 | -0.5561815364070304 | 467045.83762000006 | -0.30675495099030475 | 673709.5898300001 | -0.12612604982335193 | 770945.95816 Im/ Av | 0.6604594778409684 | 0.8750374413942758 Liq / Ac | 0.17307056883312952 | 0.15770127419647692 Liq \ De | 0.2621531021347425 | 0.2789119739185316 [sgbelcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 67219.84224999999 | 0.00643704228583781 | 0 | 0 | 0 | 0 | 0 | 0 | 88270.42455 | 0.008758030544286824 | 45626.62983 | 0.005896484008395134 | 33777.61969 | 0.0040388249935803065 | 41242.64961 | 0.0055793292076915324 Avoirs à la BRH | 1496700.6732799998 | 0.14332561935081423 | 0 | 0 | 0 | 0 | 0 | 0 | 1399708.7097399998 | 0.1388765455190871 | 973212.7014599999 | 0.1257715757729003 | 989615.4772099999 | 0.11832934825105344 | 1288027.99239 | 0.1742451628646905 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 236407.84713999997 | 0.022638662302782497 | 0 | 0 | 0 | 0 | 0 | 0 | 158746.76059 | 0.015750564077850103 | 130120.88674000002 | 0.01681596319253292 | 102226.08649999999 | 0.012223279110290152 | 1111022.35781 | 0.15029973946738495 Autres liquidités | 6988.6967 | 0.0006692448936949888 | 0 | 0 | 0 | 0 | 0 | 0 | 48261.75186 | 0.004788443004159895 | 71322.52186000001 | 0.009217251222648597 | 5765.78631 | 0.0006894210447684501 | 22518.72334 | 0.003046345761944537 1807317.0593699997 | 0.17307056883312952 | 0 | 0 | 0 | 0 | 0 | 0 | 1694987.64674 | 0.16817358314538394 | 1220282.7398899999 | 0.15770127419647692 | 1131384.96971 | 0.13528087339969236 | 2462811.72315 | 0.3331705773017115 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 | 1947287.27127 | 0.18647426248368967 | 0 | 0 | 0 | 0 | 0 | 0 | 1717552.29115 | 0.17041240601239993 | 745023.96046 | 0.09628197140774004 | 962311.2083999999 | 0.11506454853119895 | 123093.20361999999 | 0.016652118928335433 Portefeuille net | 4805310.620719998 | 0.46016156281830856 | 0 | 0 | 0 | 0 | 0 | 0 | 4821323.286839 | 0.47836290382968716 | 4134099.53656 | 0.5342636941905331 | 4681835.28272 | 0.5598118970258219 | 4151627.7225300004 | 0.5616345707856064 Immobilisations | 626101.95165 | 0.05995617667514878 | 0 | 0 | 0 | 0 | 0 | 0 | 645881.5596399999 | 0.06408319044749322 | 767647.23477 | 0.09920565382047745 | 587881.4545400001 | 0.07029359480180994 | 514471.53456999996 | 0.06959800319561198 Autres actifs | 1256642.8256499998 | 0.12033742918972352 | 0 | 0 | 0 | 0 | 0 | 0 | 1199053.65138 | 0.11482262972613995 | 870884.8938000001 | 0.11254740638477254 | 999816.4257599998 | 0.09574346495423885 | 140040.28505 | 0.01894472978873466 10442659.728659997 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 10078798.435749 | 0.9651562626413676 | 7737938.365479999 | 1 | 8363229.34113 | 0.8008715747174087 | 7392044.46892 | 1 0 | 0 PASSIF | 0 | 0 Dépôts | 0 | 0 À vue | 3034178.3679099996 | 0.290556088846088 | 0 | 0 | 0 | 0 | 0 | 0 | 2801077.98982 | 0.277917849798912 | 1786680.5859299998 | 0.2308987874471353 | 2063495.00366 | 0.24673423620129856 | 1730865.69429 | 0.23415250024096307 Épargne | 972042.9224200002 | 0.09308384527288747 | 0 | 0 | 0 | 0 | 0 | 0 | 938439.2143900001 | 0.09311022741177188 | 617173.14228 | 0.07975937686881739 | 772508.68417 | 0.09236966399699645 | 657739.9596599999 | 0.08897943761370496 À terme | 2887906.77702 | 0.2765489685634501 | 0 | 0 | 0 | 0 | 0 | 0 | 2848898.48685 | 0.2826625123035597 | 1971299.91882 | 0.25475776953900775 | 2442085.99376 | 0.2920027532606247 | 1979868.1003100001 | 0.267837688021818 6894128.06735 | 0.6601889026824257 | 0 | 0 | 0 | 0 | 0 | 0 | 6588415.69106 | 0.6536905895142436 | 4375153.64703 | 0.5654159338549604 | 5278089.68159 | 0.6311066534589197 | 4368473.75426 | 0.5909696258764859 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 | 147782.98613 | 0.014151853069042165 | 0 | 0 | 0 | 0 | 0 | 0 | 183298.82252 | 0.018186574886729368 | 238151.85418 | 0.03077717124789052 | 160795.95508 | 0.019226538998424025 | 188712.75592999998 | 0.025529169463664157 147782.98613 | 0.014151853069042165 | 0 | 0 | 0 | 0 | 0 | 0 | 183298.82252 | 0.018186574886729368 | 238151.85418 | 0.03077717124789052 | 160795.95508 | 0.019226538998424025 | 188712.75592999998 | 0.025529169463664157 Obligations à terme Banques locales | 1747542.04506 | 0.1673464510448283 | 0 | 0 | 0 | 0 | 0 | 0 | 1733797.70961 | 0.17202424680508593 | 1738551.7711500002 | 0.22467893759737312 | 1945749.74799 | 0.23265531394922856 | 1927471.8386900001 | 0.2607494918075905 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3713.0963899999997 | 0.00047985603071803084 | 0 | 0 | 0 | 0 Autres | 304130.19981 | 0.02912382551116851 | 0 | 0 | 0 | 0 | 0 | 0 | 294251.50182999996 | 0.029195097382472144 | 314208.01317 | 0.04060616643985236 | 102014.82672 | 0.012198018559445153 | 84721.82308999999 | 0.011461216642596592 2051672.24487 | 0.1964702765559968 | 0 | 0 | 0 | 0 | 0 | 0 | 2028049.21144 | 0.20121934418755807 | 2056472.8807100002 | 0.26576496006794353 | 2047764.57471 | 0.24485333250867372 | 2012193.6617800002 | 0.2722107084501871 Autres passifs | 401097.07229000004 | 0.038409474474130824 | 0 | 0 | 0 | 0 | 0 | 0 | 419297.56834 | 0.04160194005396241 | 190886.39661999998 | 0.0246688959777155 | 167938.88543 | 0.02008062658333233 | 132743.0525 | 0.017957555999307206 9494680.37064 | 0.9092205067815955 | 0 | 0 | 0 | 0 | 0 | 0 | 9219061.29336 | 0.9146984486424935 | 6860664.778539999 | 0.8866269611485099 | 7654589.09681 | 0.9152671515493498 | 6702123.224470001 | 0.9066670597896446 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0.028728313264545682 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.029765452887311927 | 300000 | 0.03877001674481423 | 250000 | 0.029892759100902666 | 250000 | 0.033820142864552566 Réserves | 303641.99439999997 | 0.029077074451315417 | 0 | 0 | 0 | 0 | 0 | 0 | 314508.72972 | 0.031204982590429933 | 395392.36360000004 | 0.05109789519181226 | 305532.74332999997 | 0.03653286677520646 | 227443.0225 | 0.030768622057982573 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 | 344337.36339 | 0.032974105480518746 | 0 | 0 | 0 | 0 | 0 | 0 | 245228.41199 | 0.024331115812395547 | 181881.22316999998 | 0.023505126892893975 | 153107.5009 | 0.018307222563779754 | 212478.22163000001 | 0.028744175244530656 947979.35779 | 0.09077949319637985 | 0 | 0 | 0 | 0 | 0 | 0 | 859737.1417099999 | 0.0853015512901374 | 877273.58677 | 0.11337303882952046 | 708640.24423 | 0.08473284843988887 | 689921.24413 | 0.0933329401670658 10442659.728430001 | 0.9999999999779754 | 0 | 0 | 0 | 0 | 0 | 0 | 10078798.43507 | 0.9999999999326309 | 7737938.365309999 | 0.9999999999780304 | 8363229.34104 | 0.9999999999892387 | 7392044.468600001 | 0.9999999999567104 [sgbelgdes&$] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 33011.78756 | 34208.05469 | 67219.84224999999 | 0.49110183027839527 | 32291.83684 | 55978.58771 | 88270.42455 | 0.36582849810253915 Avoirs à la BRH | 1100660.7937999999 | 396039.87948 | 1496700.6732799998 | 0.7353913935161907 | 1025895.64331 | 373813.06643 | 1399708.7097399998 | 0.7329351001184834 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 76781.70337999999 | 159626.14375999998 | 236407.84713999997 | 0.32478491855868946 | 43834.41787 | 114912.34272 | 158746.76059 | 0.2761279518844007 Autres liquidités | 3765.16034 | 3223.53636 | 6988.6967 | 0.5387499989804966 | 11540.30792 | 36721.44394 | 48261.75186 | 0.23911912591728285 1214219.44508 | 593097.61429 | 1807317.05937 | 0.671835325619765 | 1113562.20594 | 581425.4408 | 1694987.64674 | 0.6569736411246029 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 | 1400630.6942 | 546656.57707 | 1947287.27127 | 0 | 1365920.21608 | 351632.07506999996 | 1717552.29115 | 0.7952714005379352 Portefeuille net | 2251768.8567699995 | 2553541.763949999 | 4805310.620719999 | 0.46860006241024393 | 2234380.659359 | 2586942.62748 | 4821323.286839 | 0.4634372197065269 Immobilisations | 0 | 626101.95165 | 626101.95165 | 0 | 0 | 645881.5596399999 | 645881.5596399999 | 0 Autres actifs | 879541.87473 | 377100.95092000003 | 1256642.82565 | 0.6999139745814853 | 864641.9928800002 | 334411.6585 | 1199053.6513800002 | 0.7211036736220077 | 297367.42498 5746160.8707799995 | 4696498.857879999 | 10442659.728659999 | 0.5502583652141413 | 5578505.074259 | 4500293.361489999 | 10078798.435748998 | 0.5534890998982894 | 297367.42498 297367.42498 PASSIF | 297367.42498 Dépôts | 297367.42498 À vue | 2415409.4196099997 | 618768.9483 | 3034178.3679099996 | 0.7960670490422684 | 2259948.00985 | 541129.97997 | 2801077.98982 | 0.8068136689029592 Épargne | 723225.2739100001 | 248817.64851000003 | 972042.9224200002 | 0.7440260684265432 | 695751.5105300001 | 242687.70386 | 938439.2143900001 | 0.7413921965976765 À terme | 2199997.05156 | 687909.7254599999 | 2887906.77702 | 0.7617964226082649 | 2184475.42067 | 664423.0661800001 | 2848898.48685 | 0.7667789606239546 5338631.74508 | 1555496.32227 | 6894128.06735 | 0.7743737413819308 | 5140174.9410500005 | 1448240.75001 | 6588415.691060001 | 0.7801837622396599 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 | 56536.822819999994 | 91246.16331 | 147782.98613 | 0.3825665206836891 | 64032.45943 | 119266.36308999998 | 183298.82252 | 0.349333719386077 56536.822819999994 | 91246.16331 | 147782.98613 | 0.3825665206836891 | 64032.45943 | 119266.36308999998 | 183298.82252 | 0.349333719386077 Obligations à terme Banques locales | 0 | 1747542.04506 | 1747542.04506 | 0 | 0 | 1733797.70961 | 1733797.70961 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 236684.079 | 67446.12081 | 304130.19981 | 0.7782327409374807 | 230818.566 | 63432.935829999995 | 294251.50182999996 | 0 236684.079 | 1814988.16587 | 2051672.2448699998 | 0.1153615445117049 | 230818.566 | 1797230.64544 | 2028049.2114400002 | 0.11381309915853033 Autres passifs | 117052.38491000001 | 284044.68738 | 401097.07229000004 | 0.29183056421157105 | 140817.37488000002 | 278480.19346 | 419297.56834 | 0.3358411436476875 5748905.03181 | 3745775.33883 | 9494680.37064 | 0.6054869471527548 | 3569028.71031 | 3643217.9519999996 | 9219061.29336 | 0.3871358044750805 AVOIR DES ACTIONNAIRES Capital versé | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Réserves | 0 | 303641.99439999997 | 303641.99439999997 | 0 | 0 | 314508.72972 | 314508.72972 | 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 | 344337.36339 | 344337.36339 | 0 | 0 | 245228.41199 | 245228.41199 | 0 0 | 947979.35779 | 947979.35779 | 0 | 859737.1417099999 | 859737.1417099999 5748905.03181 | 4693754.69662 | 10442659.72843 | 0.5505211489519939 | 5575843.34136 | 4502955.09371 | 10078798.43507 | 0.5532250076515469 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes [SGBELRÉSULT ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 106928.60608 | 0 | 0 | 0 | 0 | 0 | 0 | 118519.89206000001 | -0.04071825147762461 | 113693.96929000001 | 0.13242447408619265 | 128749.83338 | 0.31239222625858426 | 168970.28045999998 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 10947.51756 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2580.14903 | 0 | 8129.823770000001 | 0.18802572518739866 | 9658.439780000002 | 0 | 8663.3874 117876.12364 | 0 | 0 | 0 | 0 | 0 | 0 | 121100.04109000001 | 0.005976479970490797 | 121823.79306000001 | 0.13613498384368888 | 138408.27316 | 0.2834035408754461 | 177633.66786 Dépenses d'intérêt | 39285.05425 | 0 | 0 | 0 | 0 | 0 | 0 | 37643.587159999995 | 0.010930535080281042 | 38055.05170999999 | 0.055776977421429744 | 40177.64747 | -0.017138299361956277 | 39489.07092 78591.06939 | 0 | 0 | 0 | 0 | 0 | 0 | 83456.45393000002 | 0.003741920550110387 | 83768.74135000003 | 0.17264058295415685 | 98230.62569000002 | 0.4063291969244095 | 138144.59694 AUTRES REVENUS Commissions | 4873.622629999998 | 0 | 0 | 0 | 0 | 0 | 0 | 2813.62714 | 0.8072580896415434 | 5084.9504099999995 | 0.25497511980652776 | 6381.486250000002 | 0.06023669956195473 | 6765.885919999997 Gains sur change | 3147.7153200000002 | 0 | 0 | 0 | 0 | 0 | 0 | 8182.473059999999 | -0.7300231771248876 | 2209.078079999999 | 0.3945842240216337 | 3080.745439999999 | 0.9775687666034503 | 6092.385960000001 Autres | 6282.28881 | 0 | 0 | 0 | 0 | 0 | 0 | 8398.43907 | -0.5052551545152782 | 4155.0844400000005 | 0.16268849159657503 | 4831.06886 | 2.9349028715769534 | 19009.78673 14303.62676 | 0 | 0 | 0 | 0 | 0 | 0 | 19394.53927 | -0.4096733740043107 | 11449.11293 | 0.2484199114280202 | 14293.30055 | 1.2295801098228498 | 31868.05861 PRODUIT NET BANCAIRE | 92894.69615 | 0 | 0 | 0 | 0 | 0 | 0 | 102850.99320000003 | -0.07421551005498696 | 95217.85428000003 | 0.18175238342495426 | 112523.92624000002 | 0.5109022696860348 | 170012.65555 Dotation à la provision pour créances douteuses | -17835.72902 | 0 | 0 | 0 | 0 | 0 | 0 | 3333.33334 | 0.4999999999999999 | 5000.00001 | 0 | 5000.00001 | 3.9671457960657093 | 24835.729030000002 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 110730.42517 | 0 | 0 | 0 | 0 | 0 | 0 | 99517.65986000003 | -0.09344879695807591 | 90217.85427000003 | 0.1918253554136539 | 107523.92623000001 | 0.3501825278353209 | 145176.92651999998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29432.390459999995 | 0 | 0 | 0 | 0 | 0 | 0 | 32070.255169999997 | -0.05745625815050212 | 30227.61831 | 0.09822811375839395 | 33196.820239999994 | 0.06170111670912246 | 35245.10111999999 Frais de locaux | 13632.85044 | 0 | 0 | 0 | 0 | 0 | 0 | 13286.73277 | -0.03353853936207368 | 12841.115160000001 | -0.03795108788666937 | 12353.780869999999 | -0.12164018253304167 | 10851.06471 Amortissement | 4683.08713 | 0 | 0 | 0 | 0 | 0 | 0 | 4700.70154 | 0.041858318024590224 | 4897.465000000001 | 0.01516111498499741 | 4971.716030000001 | -0.03574639800978411 | 4793.995089999998 Autres dépenses d'exploitation | 22287.78549 | 0 | 0 | 0 | 0 | 0 | 0 | 21564.08356 | -0.13471858063974218 | 18659.00083 | 0.0890810314627118 | 20321.163869999997 | 0.09235346469355596 | 22197.893760000006 70036.11352 | 0 | 0 | 0 | 0 | 0 | 0 | 71621.77304 | -0.06976333491785325 | 66625.19930000001 | 0.06331360737858206 | 70843.48100999999 | 0.031683559842057694 | 73088.05468 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 40694.31165 | 0 | 0 | 0 | 0 | 0 | 0 | 27895.88682000003 | -0.15426044268701283 | 23592.654970000018 | 0.5547400352627628 | 36680.44522000002 | 0.9653216150357276 | 72088.87183999998 Impôts sur le revenu | 10987.463983499994 | 0 | 0 | 0 | 0 | 0 | 0 | 7531.88944 | -0.15426044173319683 | 6370.016847899999 | 0.5547385598461922 | 9903.710820300026 | 0.8768185837373735 | 18587.468515499997 BÉNÉFICE NET | 29706.84766650001 | 0 | 0 | 0 | 0 | 0 | 0 | 20363.99738000003 | -0.15426044303979408 | 17222.63812210002 | 0.5547405809647827 | 26776.7343997 | 0.9980555704021697 | 53501.40332449998 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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 | 106928.60608 | -0.09780034202302508 | 118519.89206000001 | 0 | 0 | 113693.96929000001 | 0 | 0 | 128749.83338 | 0 | 0 | 168970.28045999998 | 106928.60608 | -0.09780034202302508 | 118519.89206000001 | 529933.9751899999 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 10947.51756 | 3.242978770881308 | 2580.14903 | 0 | 0 | 8129.823770000001 | 0 | 0 | 9658.439780000002 | 0 | 0 | 8663.3874 | 10947.51756 | 3.242978770881308 | 2580.14903 | 29031.799980000003 117876.12364 | -0.02662193522794954 | 121100.04109000001 | 0 | 0 | 121823.79306000001 | 0 | 0 | 138408.27316 | 0 | 0 | 177633.66786 | 117876.12364 | -0.02662193522794954 | 121100.04109000001 | 558965.7751699999 Dépenses d'intérêt | 39285.05425 | 0.04360549070478133 | 37643.587159999995 | 0 | 0 | 38055.05170999999 | 0 | 0 | 40177.64747 | 0 | 0 | 39489.07092 | 39285.05425 | 0.04360549070478133 | 37643.587159999995 | 155365.35726 78591.06939 | -0.05829848155399589 | 83456.45393000002 | 0 | 0 | 83768.74135000003 | 0 | 0 | 98230.62569000002 | 0 | 0 | 138144.59694 | 78591.06939 | -0.05829848155399589 | 83456.45393000002 | 403600.41790999996 AUTRES REVENUS Commissions | 4873.622629999998 | 0.7321494240349125 | 2813.62714 | 0 | 0 | 5084.9504099999995 | 0 | 0 | 6381.486250000002 | 0 | 0 | 6765.885919999997 | 4873.622629999998 | 0.7321494240349125 | 2813.62714 | 21045.949719999997 Gains sur change | 3147.7153200000002 | -0.6153100295083648 | 8182.473059999999 | 0 | 0 | 2209.078079999999 | 0 | 0 | 3080.745439999999 | 0 | 0 | 6092.385960000001 | 3147.7153200000002 | -0.6153100295083648 | 8182.473059999999 | 19564.682539999998 Autres | 6282.28881 | -0.25196947222717664 | 8398.43907 | 0 | 0 | 4155.0844400000005 | 0 | 0 | 4831.06886 | 0 | 0 | 19009.78673 | 6282.28881 | -0.25196947222717664 | 8398.43907 | 36394.379100000006 14303.62676 | -0.26249205712634605 | 19394.53927 | 0 | 0 | 11449.11293 | 0 | 0 | 14293.30055 | 0 | 0 | 31868.05861 | 14303.62676 | -0.26249205712634605 | 19394.53927 | 77005.01136 PRODUIT NET BANCAIRE | 92894.69615 | -0.09680312012776966 | 102850.99320000003 | 0 | 0 | 95217.85428000003 | 0 | 0 | 112523.92624000002 | 0 | 0 | 170012.65555 | 92894.69615 | -0.09680312012776966 | 102850.99320000003 | 480605.42926999996 Dotation à la provision pour créances douteuses | -17835.72902 | -6.350718695298562 | 3333.33334 | 0 | 0 | 5000.00001 | 0 | 0 | 5000.00001 | 0 | 0 | 24835.729030000002 | -17835.72902 | -6.350718695298562 | 3333.33334 | 38169.06239000001 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 110730.42517 | 0.11267111109499485 | 99517.65986000003 | 0 | 0 | 90217.85427000003 | 0 | 0 | 107523.92623000001 | 0 | 0 | 145176.92651999998 | 110730.42517 | 0.11267111109499485 | 99517.65986000003 | 442436.36688 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29432.390459999995 | -0.0822526885432325 | 32070.255169999997 | 0 | 0 | 30227.61831 | 0 | 0 | 33196.820239999994 | 0 | 0 | 35245.10111999999 | 29432.390459999995 | -0.0822526885432325 | 32070.255169999997 | 130739.79483999997 Frais de locaux | 13632.85044 | 0.026049870648523595 | 13286.73277 | 0 | 0 | 12841.115160000001 | 0 | 0 | 12353.780869999999 | 0 | 0 | 10851.06471 | 13632.85044 | 0.026049870648523595 | 13286.73277 | 49332.693510000005 Amortissement | 4683.08713 | -0.0037471874889551345 | 4700.70154 | 0 | 0 | 4897.465000000001 | 0 | 0 | 4971.716030000001 | 0 | 0 | 4793.995089999998 | 4683.08713 | -0.0037471874889551345 | 4700.70154 | 19363.877660000002 Autres dépenses d'exploitation | 22287.78549 | 0.0335605233575713 | 21564.08356 | 0 | 0 | 18659.00083 | 0 | 0 | 20321.163869999997 | 0 | 0 | 22197.893760000006 | 22287.78549 | 0.0335605233575713 | 21564.08356 | 82742.14202 70036.11352 | -0.022139350265936966 | 71621.77304 | 0 | 0 | 66625.19930000001 | 0 | 0 | 70843.48100999999 | 0 | 0 | 73088.05468 | 70036.11352 | -0.022139350265936966 | 71621.77304 | 282178.50802999997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 40694.31165 | 0.45879254216159604 | 27895.88682000003 | 0 | 0 | 23592.654970000018 | 0 | 0 | 36680.44522000002 | 0 | 0 | 72088.87183999998 | 40694.31165 | 0.45879254216159604 | 27895.88682000003 | 160257.85885000002 Impôts sur le revenu | 10987.463983499994 | 0.4587925209242044 | 7531.88944 | 0 | 0 | 6370.016847899999 | 0 | 0 | 9903.710820300026 | 0 | 0 | 18587.468515499997 | 10987.463983499994 | 0.4587925209242044 | 7531.88944 | 42393.085623700026 BÉNÉFICE NET | 29706.84766650001 | 0.45879255001652164 | 20363.99738000003 | 0 | 0 | 17222.63812210002 | 0 | 0 | 26776.7343997 | 0 | 0 | 53501.40332449998 | 29706.84766650001 | 0.45879255001652164 | 20363.99738000003 | 117864.77322629999 s [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 106928.60608 | -0.09780034202302508 | 118519.89206000001 | 529933.9751899999 | -0.11708803932859888 | 600211.57125 | 0.07301436839641733 | 559369.55639 | 0.2423228333832082 | 450261.02826000005 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 10947.51756 | 3.242978770881308 | 2580.14903 | 29031.799980000003 | 1.1462495557952865 | 13526.75876 | -0.4215103039300804 | 23382.886249999996 | -0.5595688381679579 | 53090.89882 117876.12364 | -0.02662193522794954 | 121100.04109000001 | 558965.7751699999 | -0.08924414878749332 | 613738.33001 | 0.05317161302598227 | 582752.44264 | 0.1577435414236141 | 503351.92708000005 Dépenses d'intérêt | 39285.05425 | 0.04360549070478133 | 37643.587159999995 | 155365.35726 | -0.14433742820447154 | 181573.16024 | -0.26256024156825547 | 246221.00743000003 | 0.18329994445756406 | 208079.96196 78591.06939 | -0.05829848155399589 | 83456.45393000002 | 403600.41790999996 | -0.06609683949125827 | 432165.16977000004 | 0.28417474433056544 | 336531.43521 | 0.1397337877073155 | 295271.96512000007 AUTRES REVENUS Commissions | 4873.622629999998 | 0.7321494240349125 | 2813.62714 | 21045.949719999997 | -0.11813599489783431 | 23865.300769999998 | 0.3583651339024408 | 17569.135260000003 | -0.09248961744497271 | 19359.707169999998 Gains sur change | 3147.7153200000002 | -0.6153100295083648 | 8182.473059999999 | 19564.682539999998 | -0.608612221926647 | 49987.975190000005 | 1.3463635189092802 | 21304.446130000004 | 0.1164540272069853 | 19082.24218 Autres | 6282.28881 | -0.25196947222717664 | 8398.43907 | 36394.379100000006 | 38309.274300000005 | 14151.36368 | 36591.35286 14303.62676 | -0.26249205712634605 | 19394.53927 | 77005.01136 | 112162.55026 | 53024.94507000001 | 75033.30221 PRODUIT NET BANCAIRE | 92894.69615 | -0.09680312012776966 | 102850.99320000003 | 480605.42926999996 | 544327.7200300001 | 389556.38028000004 | 370305.26733000006 Dotation à la provision pour créances douteuses | -17835.72902 | -6.350718695298562 | 3333.33334 | 38169.06239000001 | -0.4548554297887071 | 70016.40385999999 | 1.1040100502705938 | 33277.59953 | 3.057751603814935 | -16171.825339999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 110730.42517 | 0.11267111109499485 | 99517.65986000003 | 442436.36688 | -0.0672025907949784 | 474311.3161700001 | 0.3312926331776779 | 356278.78075000003 | -0.07813739156277845 | 386477.09267000004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29432.390459999995 | -0.0822526885432325 | 32070.255169999997 | 130739.79483999997 | 0.09225518483576824 | 119697.11534 | 0.14860336496865487 | 104211.00877 | 0.29706568313219434 | 80343.66349 Frais de locaux | 13632.85044 | 0.026049870648523595 | 13286.73277 | 49332.693510000005 | 0.05880450071849114 | 46592.82566 | 0.14215284257692892 | 40793.86219 | 0.030840805156282087 | 39573.38707 Amortissement | 4683.08713 | -0.0037471874889551345 | 4700.70154 | 19363.877660000002 | 0.11487532030262587 | 17368.64859 | 0.2252690793554905 | 14175.37493 | 0.46123948664450987 | 9700.92518 Autres dépenses d'exploitation | 22287.78549 | 0.0335605233575713 | 21564.08356 | 82742.14202 | -0.009560738240887698 | 83540.85426000001 | 0.1718555969927211 | 71289.37599 | 0.08324815274920079 | 65810.75242 70036.11352 | -0.022139350265936966 | 71621.77304 | 282178.50802999997 | 0.056059488613340494 | 267199.44385 | 0.15936947208220062 | 230469.62188 | 0.1793026749440418 | 195428.72816 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 40694.31165 | 0.45879254216159604 | 27895.88682000003 | 160257.85885000002 | -0.22622562842562635 | 207111.87232000014 | 0.6462384311305274 | 125809.15887000004 | -0.34148005300817524 | 191048.36451000004 Impôts sur le revenu | 10987.463983499994 | 0.4587925209242044 | 7531.88944 | 42393.085623700026 | -0.22561407313704365 | 54744.1322900001 | 1.74560407614133 | 19938.82977 | -0.6134616600734702 | 51583.05842 BÉNÉFICE NET | 29706.84766650001 | 0.45879255001652164 | 20363.99738000003 | 117864.77322629999 | -0.2264453538321608 | 152367.74003000004 | 0.4391920883336517 | 105870.32910000005 | -0.2408841161422641 | 139465.30609000003 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 185693147.29682285 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022972898245852327 | 181523037.03767818 | 0.5007335613533734 | 120956205.49325176 | -0.11653902841220871 | 136911770.16667125 | 0.2105370995233793 | 113100019.99986374 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 600000 Prêts nets | 40241685.21874 | 0 | 0 | 0 | 0 | 0 | 0 | -0.014914064252449549 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003 | -0.19103341200633464 | 38736782.90442001 | 0.20484090978454544 | 32150952.53642 Dépôts | 160528799.63742182 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024521346348935977 | 156686632.45475045 | 0.5242263625731667 | 102797482.25206877 | -0.1137009940448456 | 115985103.85474831 | 0.19488506221538535 | 97068000.53195517 Avoir des Actionnaires | 13930342.47979 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04523348715620966 | 13327493.47487 | 0.19188117790730216 | 11181897.76121 | -0.07584446130212907 | 12099584.207400002 | 0.16459879809659886 | 10389487.11537 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 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. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) Résultats Revenus nets d'intérêt | 872904.7152700002 | 0.16577571148369352 | 748775.86372 | 0 | 0 | 736792.6343400001 | 0 | 0 | 814952.90016 | 0 | 0 | 843607.20973 | 872904.7152700002 | 0.16577571148369352 | 748775.86372 Autres revenus | 1192303.7280200003 | -0.05672189750372694 | 1264000.21888 | 0 | 0 | 1618792.0406 | 0 | 0 | 1591881.69092 | 0 | 0 | 1787599.4893699999 | 1192303.7280200003 | -0.05672189750372694 | 1264000.21888 Dot. à la prov. pr créances douteuses | 11980.207999999999 | -0.6986653976290057 | 39757.16 | 0 | 0 | -45075.76805 | 0 | 0 | 44863.92 | 0 | 0 | -42657.11 | 11980.207999999999 | -0.6986653976290057 | 39757.16 Dépenses d'exploitation | 1405955.17441 | 0.2041352651455705 | 1167605.6794500002 | 0 | 0 | 1199121.6974699998 | 0 | 0 | 1259744.06848 | 0 | 0 | 1333978.9241 | 1405955.17441 | 0.2041352651455705 | 1167605.6794500002 Bénéfice (perte) net | 605595.2088000003 | -0.11497138329688751 | 684266.2456 | 0 | 0 | 1024992.4847800005 | 0 | 0 | 1010899.8778499998 | 0 | 0 | 1354649.3225199997 | 605595.2088000003 | -0.11497138329688751 | 684266.2456 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 21) | (oct. - déc. 20) | (janv. - mars 22) | (janv. - mars 21) | (avril - juin 22) | (avril - juin 21) | (juil. - sept. 22) | (juil. - sept. 21) | (oct. -déc. 21) | (oct. -déc. 20) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07501807515558408 | 0.08410686751631948 | 0 | 0.08165872655324702 | 0 | 0.07144721711798808 | 0 | 0.0924458378601654 | 0.07501807515558408 | 0.08410686751631948 | 0.0734203971703253 | 0.0924458378601654 | 0.08837504761402487 | 0.09186105462565361 Dépôts en % de l'actif | 0.8644842417411513 | 0.8525598271342133 | 0 | 0.8603255118443255 | 0 | 0.85417184822682 | 0 | 0.8498735706272129 | 0.8644842417411513 | 0.8525598271342133 | 0.8631776716154627 | 0.8498735706272129 | 0.8471521748170548 | 0.8582491898062627 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0012444096297049678 | 0.008273772085254021 | 0 | 0.008780948279076651 | 0 | 0.010000093599550227 | 0 | 0.007357425798568143 | 0.0012444096297049678 | 0.008273772085254021 | 0.00510104968168687 | 0.007357425798568143 | 0.007531583505766791 | 0.0009692811640748915 Provisions pour créances douteuses en % des prêts improductifs bruts | 15.52892382998423 | 1.876150408396283 | 0 | 2.03944674254619 | 0 | 2.9578814627810397 | 0 | 3.4385272737597514 | 15.52892382998423 | 1.876150408396283 | 4.3646363278449485 | 3.4385272737597514 | 1.741309741311233 | 6.802098296045859 Prêts improductifs nets en % de l'avoir des actionnaires | -0.05325811370584367 | -0.0232824582826041 | 0 | -0.028104007912528088 | 0 | -0.06691681623902972 | 0 | -0.05158466141060321 | -0.05325811370584367 | -0.0232824582826041 | -0.05380588016584977 | -0.05158466141060321 | -0.018112253111637455 | -0.01751892440491448 Rentabilité ROA (rendement de l'actif) | 0.013193213907987396 | 0.0028151832432974384 | 0 | 0.019074148687235958 | 0 | 0.025363711573072118 | 0 | -0.031876980094077696 | 0.013193213907987396 | 0.021673758006321035 | 0.026942727683757217 | 0.004703772889657475 | 0.02259035407657341 | 0.017060211186497757 ROE (rendement avoir des action.) | 0.17773830903005863 | 0.03263355241886675 | 0 | 0.23027969178714316 | 0 | 0.33271491901803113 | 0 | -0.39684953203266277 | 0.17773830903005863 | 0.23752732553700803 | 0.33250992580766514 | 0.05209944945323502 | 0.25113775407264566 | 0.1722516699332088 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8196891011932392 | 0.6927160144577232 | 0 | 0.7521764507030515 | 0 | 0.788448390358405 | 0 | 0.7809230515489263 | 0.8196891011932392 | 0.8121787384952652 | 0.8144197355633667 | 0.7526856023912105 | 0.7713337934352702 | 0.7705328185157186 Rendement moyen des prêts | 0.08110200438311217 | 0.10767786894146938 | 0 | 0.09845371495820776 | 0 | 0.08948115191460596 | 0 | 0.10209902988540677 | 0.08110200438311217 | 0.08706029625624709 | 0.07923305842060718 | 0.10349718727420207 | 0.10914966133935232 | 0.0978000610885603 Rendement moyen des prêts productifs | 0.08136155684165879 | 0.10853389763512604 | 0 | 0.09930066386778566 | 0 | 0.09033207016532609 | 0 | 0.10300836769249488 | 0.08136155684165879 | 0.08774133154736452 | 0.07971792423496582 | 0.10427436132643232 | 0.10965032220657434 | 0.09796264458623037 Rémunération moyenne des dépôts | 0.004842563642848403 | 0.012164487680102481 | 0 | 0.00897436012323441 | 0 | 0.007005045976102866 | 0 | 0.0074734089190782935 | 0.004842563642848403 | 0.0064593769735604295 | 0.00552208416672816 | 0.009864320691438952 | 0.009444605335615003 | 0.008493982118062552 Dépenses d'exploitation en % du produit net bancaire | 0.6807812446138509 | 0.8579381880663467 | 0 | 0.621662853158241 | 0 | 0.4979191023478426 | 0 | 3.017082947625521 | 0.6807812446138509 | 0.5800971551399535 | 0.5273483255696426 | 0.892320545087006 | 0.5811749575711319 | 0.6652059554244748 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6293.968589074287 | 4104.300162807018 | 0 | 6328.1015600770115 | 0 | 7036.744971306013 | 0 | 2159.9469836315193 | 6293.968589074287 | 6150.576264629489 | 7150.438652770809 | 4908.461462201694 | 6122.430413302108 | 4266.680721185528 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc.21 | SEPTEMBRE Déc. 21 | Var. | Mars 22 | Var. | Juin 22 | Var. | Sept. 22 | /sept. 21 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 ACTIF Disponibilités Encaisse | 3330080.3577089366 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3374821651333571 | 5026401.075495942 | 0.08848749382580189 | 4617784.8657031525 | 0.9676072038758814 | 2346903.82135562 | 0.7272347880190411 | 1358763.6363249 Avoirs à la BRH | 75394417.43543717 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04224066361514642 | 72338779.38893872 | 0.6051743087136726 | 45065996.25738363 | -0.13419233855088725 | 52050817.13178205 | 0.24934793414521225 | 41662387.0014197 Avoirs à l'étranger | 19096774.33684147 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12686892741783992 | 16946757.402034957 | 0 | 8704248.558392948 | 0 | 7380096.758453228 | 0 | 3033594.8964456515 Avoirs dans les banques locales | 2.37455444294028e-09 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.110186409205198e-09 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 737278.8199936841 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05692333320819202 | 781780.364158288 | 0.017216064289898983 | 768548.975584686 | 0.9415979990209538 | 395833.213658144 | -0.6217753306554045 | 1046555.779516078 98558550.94998126 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03643597898811985 | 95093718.23062791 | 0.6074918527978784 | 59156578.657064416 | -0.048526541763037695 | 62173650.92524904 | 0.3199985815924103 | 47101301.31370629 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600000 Bons du Trésor / M.E.F. | 7550000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11029411764705882 | 6800000 | 1.0606060606060606 | 3300000 | 130.9999997888 | 25000.00004 | -0.8795557495944972 | 207564.91037 Autres Placements | 33791025.81473601 | 0 | 0 | 0 | 0 | 0 | 0 | 0.023889561094708568 | 33002607.99476046 | 0.4985364549485395 | 22023226.652763538 | -0.2711627859635168 | 30216934.90483751 | 0.1162748414415176 | 27069440.0545805 Portefeuille net | 40241685.21874 | 0 | 0 | 0 | 0 | 0 | 0 | -0.014914064252449549 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003 | -0.19103341200633464 | 38736782.90442001 | 0.20484090978454544 | 32150952.53642 Immobilisations | 3080944.37777 | 0 | 0 | 0 | 0 | 0 | 0 | 0.009140465198070973 | 3053038.18846 | 0.0630382175710019 | 2871992.87664 | 0.0940721311798342 | 2625048.9294 | 0.08355917371391151 | 2422617.05044 Autres actifs | 2470940.935595562 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09247798551081252 | 2722733.8798898105 | 0.20068830330166665 | 2267644.210743792 | -0.2765190868696069 | 3134352.5027246904 | -0.11662199052644559 | 3548144.1343469657 185693147.29682285 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022972898245852327 | 181523037.03767818 | 0.5007335613533734 | 120956205.49325176 | -0.11653902841220871 | 136911770.16667125 | 0.2105370995233793 | 113100019.99986374 PASSIF | 0 | 0 | 0 Dépôts | 0 | 0 | 0 À vue | 71587322.71611007 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010105401666381937 | 70871141.36605118 | 0.6036145682686481 | 44194623.05245058 | -0.09476845245084697 | 48821346.50753637 | 0.21182725942278177 | 40287381.000812754 Épargne | 64599656.28404063 | 0 | 0 | 0 | 0 | 0 | 0 | 0.050290197284944736 | 61506483.11393759 | 0.524906685371339 | 40334588.144952476 | -0.06770038882787079 | 43263547.106108956 | 0.26261632832742743 | 34264998.90383934 À terme | 24341820.637271136 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0013498149551607922 | 24309007.97476168 | 0.3306682335739247 | 18268271.05466571 | -0.23564391817573282 | 23900210.241102997 | 0.06149462352021182 | 22515620.62730308 160528799.63742182 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024521346348935977 | 156686632.45475045 | 0.5242263625731667 | 102797482.25206877 | -0.1137009940448456 | 115985103.85474831 | 0.19488506221538535 | 97068000.53195517 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4531688.063477618 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10971345998324497 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066 | -0.09258012168912726 | 3180921.766413789 | 0.9393928034767269 | 1640163.74646301 4531688.063477618 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10971345998324497 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066 | -0.09258012168912726 | 3180921.766413789 | -0.15500906002742537 | 3764444.8193930103 Obligations à terme Banques locales | 3335600.78599 | 0 | 0 | 0 | 0 | 0 | 0 | -0.15948796557525224 | 3968534.2379099997 | 0 | 2260374.18273 | 0 | 2690584.06942 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1697761.6634318838 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04656913822955299 | 1622216.4417192084 | 1.6411463862480664 | 614209.212395713 | -0.37308118844103855 | 979726.8818084379 | 1.7927280755791506 | 350813.56125417404 5033362.449421884 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09969828063309241 | 5590750.6796292085 | 0.9448907584692668 | 2874583.395125713 | -0.2168011284810618 | 3670310.951228438 | 9.462283550575735 | 350813.56125417404 Autres passifs | 1668954.669669894 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09024220914241116 | 1834504.3993485821 | 0.5088736981905279 | 1215810.4429473171 | -0.38466441259071155 | 1975849.3866187278 | 0.29370985074812794 | 1527273.975285982 171762804.8199912 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021209011723606105 | 168195543.56466982 | 0.5321940719934289 | 109774307.73233742 | -0.12048405459071591 | 124812185.95900927 | 0.21518390032350015 | 102710532.88788833 AVOIR DES ACTIONNAIRES Capital versé | 6300687.5 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00019835169739465045 | 6301937.5 | -0.003402019467221216 | 6323450 | -0.012685996221524817 | 6404700 | -0.004230856685317159 | 6431912.5 Réserves | 1778707.62408 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0015103845180742764 | 1776025.1432 | -0.14772845972276943 | 2083872.4036499998 | 0.4936791154284901 | 1395127.22788 | 0.8202596836864942 | 766444.06311 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 | 5850947.35571 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11456576660369375 | 5249530.83167 | 0.8920123460933894 | 2774575.35756 | -0.35471344757960316 | 4299756.9795200005 | 0.34740867197515835 | 3191130.5522600003 13930342.47979 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04523348715620966 | 13327493.47487 | 0.19188117790730216 | 11181897.76121 | -0.07584446130212907 | 12099584.207400002 | 0.16459879809659886 | 10389487.11537 185693147.2997812 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022972898251658522 | 181523037.0395398 | 0.5007335613650962 | 120956205.49354741 | -0.11653902840835889 | 136911770.16640928 | 0.21053709948472998 | 113100020.00325833 Hors-bilan Effets à l'encaissement | 3648.378052342 | 0 | 0 | 0 | 2958.534002186 | 2809.6125314 | 629.0437063559999 | 1197.311534722 Crédit documentaire | 1537809.2840606398 | 0 | 0 | 0 | 1568762.3525348501 | 1009052.0499766741 | 1317310.419578244 | 1037165.801866848 Autres | 1897810.7787605058 | 0 | 0 | 0 | 2359671.6640074262 | 1199427.898695145 | 1528207.0292863299 | 1323377.4992928582 Portefeuille brut | 41034652.89971 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01786716984904354 | 41781164.05436 | 0.2995648084982276 | 32150119.625540003 | -0.18092122722823067 | 39251560.03829001 | 0.21280290957768924 | 32364335.316409998 Provisions pour créances douteuses | 792967.6809700001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.14755310128900662 | 930225.31042 | 0.14368702614564804 | 813356.5295 | 0.580016818900511 | 514777.13387 | 1.4124586524466716 | 213382.77999 Portefeuille de crédit improductif | 51063.91722 | 0 | 0 | 0 | 0 | 0 | 0 | -0.7604070480087773 | 213127.79359999998 | -0.09898586350521335 | 236542.11956 | -0.19986131877362615 | 295626.40215999994 | 8.423815016811298 | 31370.140610000002 0 [unibkcomp ] UNIBANK (UNIBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 21 | Comp. | Mars 22 | Comp. | Juin 22 | Comp. | Sept. 22 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. | 2018 | Comp. ACTIF Disponibilités Encaisse | 3330080.3577089366 | 0.017933243128169615 | 0 | 0 | 0 | 0 | 0 | 0 | 5026401.075495942 | 0.027690155241577558 | 4617784.8657031525 | 0.0381773291157086 | 2346903.82135562 | 0.017141724327269944 | 1358763.6363249 | 0.012013823130416214 Avoirs à la BRH | 75394417.43543717 | 0.40601615370825883 | 0 | 0 | 0 | 0 | 0 | 0 | 72338779.38893872 | 0.398510186747942 | 45065996.25738363 | 0.37258110134661837 | 52050817.13178205 | 0.3801778113628751 | 41662387.0014197 | 0.36836763602225603 Avoirs à l'étranger | 19096774.33684147 | 0.10284049042647796 | 0 | 0 | 0 | 0 | 0 | 0 | 16946757.402034957 | 0.09126215829034479 | 8704248.558392948 | 0.07196198428098478 | 7380096.758453228 | 0.0539040343242146 | 3033594.8964456515 | 0.02682223129977612 Avoirs dans les banques locales | 2.37455444294028e-09 | 1.278751788909395e-17 | 0 | 0 | 0 | 0 | 0 | 0 | 6.110186409205198e-09 | 3.366066648574707e-17 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 737278.8199936841 | 0.003970414798426429 | 0 | 0 | 0 | 0 | 0 | 0 | 781780.364158288 | 0.004306783188053515 | 768548.975584686 | 0.006353944160620713 | 395833.213658144 | 0.0028911554731654663 | 1046555.779516078 | 0.00925336511450076 98558550.94998126 | 0.5307603020613328 | 0 | 0 | 0 | 0 | 0 | 0 | 95093718.23062791 | 0.5238658397440188 | 59156578.657064416 | 0.48907435890393247 | 62173650.92524904 | 0.4541147254875251 | 47101301.31370633 | 0.4164570555669491 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600000 | 0.0053050388496900585 Bons du Trésor / M.E.F. | 7550000 | 0.04065847399275126 | 0 | 0 | 0 | 0 | 0 | 0 | 6800000 | 0 | 3300000 | 0 | 25000.00004 | 0 | 207564.91037 | 0 Autres Placements | 33791025.81473601 | 0.1819723899704411 | 0 | 0 | 0 | 0 | 0 | 0 | 33002607.99476046 | 0.1818094746173193 | 22023226.652763538 | 0.18207603787630583 | 30216934.90483751 | 0.22070370478778084 | 27069440.0545805 | 0.2393407185481762 Portefeuille net | 40241685.21874 | 0.21671066382657259 | 0 | 0 | 0 | 0 | 0 | 0 | 40850938.74394 | 0.22504547858275806 | 31336763.096040003 | 0.2590752823987051 | 38736782.90442001 | 0.2829324524638262 | 32150952.53642 | 0.28427008710041535 Immobilisations | 3080944.37777 | 0.01659158898763904 | 0 | 0 | 0 | 0 | 0 | 0 | 3053038.18846 | 0.016819012276806992 | 2871992.87664 | 0.02374407220306056 | 2625048.9294 | 0.019173288945167854 | 2422617.05044 | 0.02142012928417623 Autres actifs | 2470940.935595562 | 0.01330658116126313 | 0 | 0 | 0 | 0 | 0 | 0 | 2722733.8798898105 | 0.014662543661547362 | 2267644.210743792 | 0.018747646732935132 | 3134352.5027246904 | 3548144.1343469657 | 0.03137173746168426 185693147.29682285 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 181523037.03767818 | 0.9775430040373062 | 120956205.49325176 | 1 | 136911770.16667125 | 0 | 113100019.99986379 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 71587322.71611007 | 0.38551407931968906 | 0 | 0 | 0 | 0 | 0 | 0 | 70871141.36605118 | 0.3904250530545094 | 44194623.05245058 | 0.36537706248495233 | 48821346.50753637 | 0 | 40287381.000812754 | 0.3562102022692947 Épargne | 64599656.28404063 | 0.34788389999540875 | 0 | 0 | 0 | 0 | 0 | 0 | 61506483.11393759 | 0.3388356878425898 | 40334588.144952476 | 0.333464397138374 | 43263547.106108956 | 0.3159958201799709 | 34264998.90383934 | 0.30296191728242494 À terme | 24341820.637271136 | 0.13108626242605356 | 0 | 0 | 0 | 0 | 0 | 0 | 24309007.97476168 | 0.1339169307183635 | 18268271.05466571 | 0.15103211100388655 | 23900210.241102997 | 0.17456651252122282 | 22515620.62730308 | 0.1990770702545428 160528799.63742182 | 0.8644842417411513 | 0 | 0 | 0 | 0 | 0 | 0 | 156686632.45475045 | 0.8631776716154627 | 102797482.25206877 | 0.8498735706272129 | 115985103.85474831 | 0.8471521748170548 | 97068000.53195517 | 0.8582491898062624 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 | 0.018782322699258218 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4531688.063477618 | 0.024404175002935898 | 0 | 0 | 0 | 0 | 0 | 0 | 4083656.0309415725 | 0.022496626861162203 | 2886431.6421956066 | 0.023863444049231877 | 3180921.766413789 | 0.02323336965508118 | 1640163.74646301 | 0.01450188732473244 4531688.063477618 | 0.024404175002935898 | 0 | 0 | 0 | 0 | 0 | 0 | 4083656.0309415725 | 0.022496626861162203 | 2886431.6421956066 | 0.023863444049231877 | 3180921.766413789 | 0.02323336965508118 | 3764444.8193930103 | 0.03328421002399066 Obligations à terme Banques locales | 3335600.78599 | 0.017962971895016562 | 0 | 0 | 0 | 0 | 0 | 0 | 3968534.2379099997 | 0.021862427506026485 | 2260374.18273 | 0.018687542102634066 | 2690584.06942 | 0.019651955899369238 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1697761.6634318838 | 0.009142834230269584 | 0 | 0 | 0 | 0 | 0 | 0 | 1622216.4417192084 | 0.008936697337112588 | 614209.212395713 | 0.0050779470957360694 | 979726.8818084379 | 0.00715589960319522 | 350813.56125417404 | 0.0031017992857525272 5033362.449421884 | 0.02710580612528615 | 0 | 0 | 0 | 0 | 0 | 0 | 5590750.6796292085 | 0.030799124843139077 | 2874583.395125713 | 0.023765489198370137 | 3670310.951228438 | 0.026807855502564457 | 350813.56125417404 | 0.0031017992857525272 Autres passifs | 1668954.669669894 | 0.00898770199097406 | 0 | 0 | 0 | 0 | 0 | 0 | 1834504.3993485821 | 0.010106179520166356 | 1215810.4429473171 | 0.010051658267463988 | 1975849.3866187278 | 0.014431552409361175 | 1527273.975285982 | 0.013503746288354514 171762804.8199912 | 0.9249819248603474 | 0 | 0 | 0 | 0 | 0 | 0 | 168195543.56466982 | 0.9265796028399303 | 109774307.73233742 | 0.9075541621422789 | 124812185.95900927 | 0.9116249523840617 | 102710532.88788833 | 0.90813894540436 AVOIR DES ACTIONNAIRES Capital versé | 6300687.5 | 0.033930640907973895 | 0 | 0 | 0 | 0 | 0 | 0 | 6301937.5 | 0.03471701224727706 | 6323450 | 0.052278839057602465 | 6404700 | 0.04677976182911928 | 6431912.5 | 0.05686924281717851 Réserves | 1778707.62408 | 0.009578746711836431 | 0 | 0 | 0 | 0 | 0 | 0 | 1776025.1432 | 0.009784020652052862 | 2083872.4036499998 | 0.01722832156607509 | 1395127.22788 | 0.010189972901392074 | 766444.06311 | 0.0067766925515214144 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 | 5850947.35571 | 0.031508687535773745 | 0 | 0 | 0 | 0 | 0 | 0 | 5249530.83167 | 0.02891936427099537 | 2774575.35756 | 0.022938677236487844 | 4299756.9795200005 | 0.0314053128835135 | 3191130.5522600003 | 0.028215119256953653 13930342.47979 | 0.07501807515558408 | 0 | 0 | 0 | 0 | 0 | 0 | 13327493.47487 | 0.0734203971703253 | 11181897.76121 | 0.0924458378601654 | 12099584.207400002 | 0.08837504761402487 | 10389487.11537 | 0.09186105462565358 185693147.2997812 | 1.0000000000159315 | 0 | 0 | 0 | 0 | 0 | 0 | 181523037.0395398 | 1.0000000000102556 | 120956205.49354741 | 1.0000000000024443 | 136911770.16640928 | 0.9999999999980866 | 113100020.00325833 | 1.0000000000300135 #REF! [unibkgdes&$] UNIBANK (UNIBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 21 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1155328.702208937 | 2174751.6555 | 3330080.3577089366 | 0.3469371841236264 | 1752939.6874959422 | 3273461.388 | 5026401.075495942 | 0.34874648106408507 Avoirs à la BRH | 53269079.04804717 | 22125338.38739 | 75394417.43543717 | 0.7065387711717954 | 50255472.91515872 | 22083306.47378 | 72338779.38893872 | 0.6947238167367149 Avoirs à l'étranger | 19096774.33684147 | 0 | 19096774.33684147 | 1 | 16946757.402034957 | 0 | 16946757.402034957 | 0 Avoirs dans les banques locales | 2.8154327301308513e-09 | 2.136221155524254e-09 | 4.951653885655106e-09 | 0 | 5.805003643035889e-09 | 3.0518276616930964e-10 | 6.110186409205198e-09 | 0 Autres liquidités | 317155.71912368404 | 420123.10087 | 737278.8199936841 | 0.4301706634220158 | 389493.392598288 | 392286.97156 | 781780.364158288 | 0.49821332237941296 73838337.80622128 | 24720213.14376 | 98558550.94998127 | 0.749182461536944 | 69344663.3972879 | 25749054.83334 | 95093718.23062791 | 0.7292244397164952 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 7550000 | 7550000 | 0 | 0 | 6800000 | 6800000 | 0 Autres Placements | 21844392.59080601 | 11946633.22393 | 33791025.81473601 | 0.646455443837986 | 21552373.746290464 | 11450234.248469999 | 33002607.99476046 | 0.6530506240510492 Portefeuille net | 26202624.90967 | 14039060.30907 | 40241685.21874 | 0.6511314018595771 | 25027513.993140005 | 15823424.750799999 | 40850938.74394 | 0.612654562237023 Immobilisations | 0 | 3080944.37777 | 3080944.37777 | 0 | 0 | 3053038.18846 | 3053038.18846 | 0 Autres actifs | 421538.02578556194 | 2049402.9098099999 | 2470940.9355955618 | 0.17059817971082347 | 729647.9658898101 | 1993085.9139999999 | 2722733.87988981 | 0.2679835775648185 122306893.33248284 | 63386253.964339994 | 185693147.29682285 | 0.6586505485686034 | 116654199.10260817 | 64868837.93506999 | 181523037.03767818 | 0.642641292291703 | 0 0 PASSIF | 0 Dépôts | 0 À vue | 54611219.90358006 | 16976102.81253 | 71587322.71611007 | 0.7628616049820551 | 52072161.980141185 | 18798979.38591 | 70871141.36605118 | 0.7347442270075374 | 0 Épargne | 45736629.57938063 | 18863026.70466 | 64599656.28404063 | 0.7080011289577075 | 43044067.64261758 | 18462415.471320003 | 61506483.11393759 | 0.699829765309141 À terme | 17068211.110791136 | 7273609.526479999 | 24341820.637271136 | 0.7011887633687118 | 16725457.398041679 | 7583550.576719999 | 24309007.97476168 | 0.6880353741874837 117416060.59375183 | 43112739.04366999 | 160528799.63742182 | 0.7314329943222243 | 111841687.02080046 | 44844945.43395001 | 156686632.45475048 | 0.7137921421158835 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 | 2217935.544197618 | 2313752.51928 | 4531688.063477619 | 0.48942811445313245 | 2038571.362271572 | 2045084.6686700003 | 4083656.030941572 | 0.49920251530135284 2217935.544197618 | 2313752.51928 | 4531688.063477619 | 0.48942811445313245 | 2038571.362271572 | 2045084.6686700003 | 4083656.030941572 | 0.49920251530135284 Obligations à terme Banques locales | 0 | 3335600.78599 | 3335600.78599 | 0 | 0 | 3968534.2379099997 | 3968534.2379099997 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1111939.458271884 | 585822.2051599999 | 1697761.6634318838 | 0.6549443789561079 | 993304.9636392081 | 628911.47808 | 1622216.4417192081 | 0.6123134608267894 1111939.458271884 | 3921422.9911499997 | 5033362.449421884 | 0.2209138462499552 | 993304.9636392081 | 4597445.7159899995 | 5590750.679629208 | 0.17766933647362837 Autres passifs | 1537921.335089894 | 131033.33458 | 1668954.669669894 | 0.9214877809677615 | 1719382.5430885819 | 115121.85626 | 1834504.399348582 | 0.9372463449524139 122283856.93131123 | 49478947.88867999 | 171762804.81999123 | 0.7119344438946819 | 68464682.54115742 | 51602597.67487001 | 120067280.21602744 | 0.5702193171859511 AVOIR DES ACTIONNAIRES Capital versé | 0 | 6300687.5 | 6300687.5 | 0 | 0 | 6301937.5 | 6301937.5 | 0 Réserves | 0 | 1778707.62408 | 1778707.62408 | 0 | 0 | 1776025.1432 | 1776025.1432 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 5850947.35571 | 5850947.35571 | 0 | 0 | 5249530.83167 | 5249530.83167 | 0 0 | 13930342.47979 | 13930342.47979 | 0 | 0 | 13327493.47487 | 13327493.47487 | 0 0 122283856.93131123 | 63409290.36846999 | 185693147.29978123 | 0.6585264922775925 | 116592945.88979983 | 64930091.14974001 | 181523037.03953984 | 0.6423038518488606 *Converties au taux de 99,8667 gdes | *Converties au taux de 97,3918 gdes #REF! [UNIBKRÉSULT ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2022 | 2021 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 | 839566.0937000001 | 0 | 0 | 0 | 0 | 0 | 0 | 704532.95783 | -0.05550021703801551 | 665431.22576 | 0.13423664291975504 | 754756.4796 | 0.0654829975042986 | 804180.19627 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1014 | 2.1232189842209075 | 3166.94405 | -0.403508265326001 | 1889.05595 | 0 | 0 Autres | 225355.61137000003 | 0 | 0 | 0 | 0 | 0 | 0 | 216387.86788000003 | 0.09468056273543786 | 236875.59298000002 | 0.015957242206541336 | 240655.47418999998 | -0.03727361744083169 | 231685.37410999998 1064921.7050700001 | 0 | 0 | 0 | 0 | 0 | 0 | 921934.82571 | -0.01785490954561018 | 905473.7627900001 | 0.10141348178555303 | 997301.0097399999 | 0.0386689276992249 | 1035865.5703799999 Dépenses d'intérêt | 192016.9898 | 0 | 0 | 0 | 0 | 0 | 0 | 173158.96199 | -0.025859669569159336 | 168681.12845 | 0.08102258536912225 | 182348.10958 | 0.054347978121770224 | 192258.36065 872904.7152700002 | 0 | 0 | 0 | 0 | 0 | 0 | 748775.86372 | -0.01600376021799892 | 736792.6343400001 | 0.1060817687055379 | 814952.90016 | 0.03516069402829824 | 843607.20973 AUTRES REVENUS Commissions | 395638.6395900001 | 0 | 0 | 0 | 0 | 0 | 0 | 292514.98728 | 0.1813007315732367 | 345548.16847000003 | 0.11047814245125803 | 383723.68825 | 0.5697086612426513 | 602334.39697 Gains sur change | 433545.59673 | 0 | 0 | 0 | 0 | 0 | 0 | 613450.23433 | 0.18651513155743615 | 727867.98549 | -0.3629900379148217 | 463659.15784 | -0.006411336710890168 | 460686.48286 Autres | 363119.4917 | 0 | 0 | 0 | 0 | 0 | 0 | 358034.99727000005 | 0.5232474221751098 | 545375.88664 | 0.3651114086043925 | 744498.84483 | -0.026756569776207936 | 724578.6095399999 1192303.7280200003 | 0 | 0 | 0 | 0 | 0 | 0 | 1264000.21888 | 0.28068968376791287 | 1618792.0406 | -0.016623722507324506 | 1591881.69092 | 0.12294745241833156 | 1787599.4893699999 0 PRODUIT NET BANCAIRE | 2065208.4432900003 | 0 | 0 | 0 | 0 | 0 | 0 | 2012776.0826 | 0.17031630855687524 | 2355584.6749400003 | 0.021756770913490854 | 2406834.5910799997 | 0.09322290316565521 | 2631206.6991 0 Dotation à la provision pour créances douteuses | 11980.207999999999 | 0 | 0 | 0 | 0 | 0 | 0 | 39757.16 | -2.1337773636245645 | -45075.76805 | 1.995300178806382 | 44863.92 | -1.9508110303335064 | -42657.11 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2053228.2352900002 | 0 | 0 | 0 | 0 | 0 | 0 | 1973018.9226000002 | 0.21674476381932706 | 2400660.4429900004 | -0.016116303337681874 | 2361970.67108 | 0.13204784540249534 | 2673863.8090999997 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 682016.49696 | 0 | 0 | 0 | 0 | 0 | 0 | 518346.05737000005 | 0.07965648798313717 | 559635.68386 | -0.006516540769606031 | 555988.79511 | 0.029521189517412293 | 572402.2457 Frais de locaux | 79189.24203 | 0 | 0 | 0 | 0 | 0 | 0 | 67076.21779 | -0.02178811221252079 | 65614.75362999999 | 0.8327350746161752 | 120254.46039 | -0.2905802450626256 | 85310.88982 Amortissement | 126388.11855000001 | 0 | 0 | 0 | 0 | 0 | 0 | 123090.7911 | -0.10438112977567827 | 110242.43526 | 0.027919469964002037 | 113320.34562000001 | 0.03796816587930192 | 117622.91129999999 Autres dépenses d'exploitation | 518361.31687 | 0 | 0 | 0 | 0 | 0 | 0 | 459092.61318999995 | 0.009880820121413442 | 463628.82472 | 0.014131223708872669 | 470180.46736 | 0.18814565057690405 | 558642.87728 1405955.17441 | 0 | 0 | 0 | 0 | 0 | 0 | 1167605.6794500002 | 0.026992004727867724 | 1199121.6974699998 | 0.05055564513418939 | 1259744.06848 | 0.05892852165564979 | 1333978.9241 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647273.0608800002 | 0 | 0 | 0 | 0 | 0 | 0 | 805413.24315 | 0.49182889124189166 | 1201538.7455200006 | -0.08265413270299538 | 1102226.6025999999 | 0.21561653641764492 | 1339884.8849999998 Impôts sur le revenu | 41677.85208 | 0 | 0 | 0 | 0 | 0 | 0 | 121146.99755 | 0.457289609403118 | 176546.26074 | -0.4827037153480298 | 91326.72475 | -1.161666123037003 | -14764.437519999992 BÉNÉFICE NET (PERTE NETTE) | 605595.2088000003 | 0 | 0 | 0 | 0 | 0 | 0 | 684266.2456 | 0.49794395291445964 | 1024992.4847800005 | -0.013748985616246228 | 1010899.8778499998 | 0.3400430173174938 | 1354649.3225199997 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct. -déc. 21) | 2021 (oct. - déc 20) | 2021 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 | 839566.0937000001 | 0.19166333436821686 | 704532.95783 | 0 | 0 | 665431.22576 | 0 | 0 | 754756.4796 | 0 | 0 | 804180.19627 | 839566.0937000001 | 0.19166333436821686 | 704532.95783 | 2928900.85946 Intérêts sur Bons B.R.H. | 0 | -1 | 1014 | 0 | 0 | 3166.94405 | 0 | 0 | 1889.05595 | 0 | 0 | 0 | 0 | -1 | 1014 | 6070 Autres | 225355.61137000003 | 0.04144291257111116 | 216387.86788000003 | 0 | 0 | 236875.59298000002 | 0 | 0 | 240655.47418999998 | 0 | 0 | 231685.37410999998 | 225355.61137000003 | 0.04144291257111116 | 216387.86788000003 | 925604.30916 1064921.7050700001 | 0.15509434655522764 | 921934.82571 | 0 | 0 | 905473.7627900001 | 0 | 0 | 997301.0097399999 | 0 | 0 | 1035865.5703799999 | 1064921.7050700001 | 0.15509434655522764 | 921934.82571 | 3860575.1686199997 Dépenses d'intérêt | 192016.9898 | 0.10890587234571814 | 173158.96199 | 0 | 0 | 168681.12845 | 0 | 0 | 182348.10958 | 0 | 0 | 192258.36065 | 192016.9898 | 0.10890587234571814 | 173158.96199 | 716446.56067 872904.7152700002 | 0.16577571148369352 | 748775.86372 | 0 | 0 | 736792.6343400001 | 0 | 0 | 814952.90016 | 0 | 0 | 843607.20973 | 872904.7152700002 | 0.16577571148369352 | 748775.86372 | 3144128.6079499996 AUTRES REVENUS Commissions | 395638.6395900001 | 0.35254143136019384 | 292514.98728 | 0 | 0 | 345548.16847000003 | 0 | 0 | 383723.68825 | 0 | 0 | 602334.39697 | 395638.6395900001 | 0.35254143136019384 | 292514.98728 | 1624121.2409700002 Gains sur change | 433545.59673 | -0.293266882188885 | 613450.23433 | 0 | 0 | 727867.98549 | 0 | 0 | 463659.15784 | 0 | 0 | 460686.48286 | 433545.59673 | -0.293266882188885 | 613450.23433 | 2265663.86052 Autres | 363119.4917 | 0.014201110139424895 | 358034.99727000005 | 0 | 0 | 545375.88664 | 0 | 0 | 744498.84483 | 0 | 0 | 724578.6095399999 | 363119.4917 | 0.014201110139424895 | 358034.99727000005 | 2372488.33828 1192303.7280200003 | -0.05672189750372694 | 1264000.21888 | 0 | 0 | 1618792.0406 | 0 | 0 | 1591881.69092 | 0 | 0 | 1787599.4893699999 | 1192303.7280200003 | -0.05672189750372694 | 1264000.21888 | 6262273.43977 PRODUIT NET BANCAIRE | 2065208.4432900003 | 0.02604977331719424 | 2012776.0826 | 0 | 0 | 2355584.6749400003 | 0 | 0 | 2406834.5910799997 | 0 | 0 | 2631206.6991 | 2065208.4432900003 | 0.02604977331719424 | 2012776.0826 | 9406402.04772 Dotation à la provision pour créances douteuses | 11980.207999999999 | -0.6986653976290057 | 39757.16 | 0 | 0 | -45075.76805 | 0 | 0 | 44863.92 | 0 | 0 | -42657.11 | 11980.207999999999 | -0.6986653976290057 | 39757.16 | -3111.7980499999976 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2053228.2352900002 | 0.04065308840743505 | 1973018.9226000002 | 0 | 0 | 2400660.4429900004 | 0 | 0 | 2361970.67108 | 0 | 0 | 2673863.8090999997 | 2053228.2352900002 | 0.04065308840743505 | 1973018.9226000002 | 9409513.84577 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 682016.49696 | 0.31575515480996613 | 518346.05737000005 | 0 | 0 | 559635.68386 | 0 | 0 | 555988.79511 | 0 | 0 | 572402.2457 | 682016.49696 | 0.31575515480996613 | 518346.05737000005 | 2206372.78204 Frais de locaux | 79189.24203 | 0.1805859757615293 | 67076.21779 | 0 | 0 | 65614.75362999999 | 0 | 0 | 120254.46039 | 0 | 0 | 85310.88982 | 79189.24203 | 0.1805859757615293 | 67076.21779 | 338256.32162999996 Amortissement | 126388.11855000001 | 0.026787767147594614 | 123090.7911 | 0 | 0 | 110242.43526 | 0 | 0 | 113320.34562000001 | 0 | 0 | 117622.91129999999 | 126388.11855000001 | 0.026787767147594614 | 123090.7911 | 464276.48328 Autres dépenses d'exploitation | 518361.31687 | 0.12909966742477538 | 459092.61318999995 | 0 | 0 | 463628.82472 | 0 | 0 | 470180.46736 | 0 | 0 | 558642.87728 | 518361.31687 | 0.12909966742477538 | 459092.61318999995 | 1951544.7825500001 1405955.17441 | 0.2041352651455705 | 1167605.6794500002 | 0 | 0 | 1199121.6974699998 | 0 | 0 | 1259744.06848 | 0 | 0 | 1333978.9241 | 1405955.17441 | 0.2041352651455705 | 1167605.6794500002 | 4960450.3695 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647273.0608800002 | -0.19634663772290092 | 805413.24315 | 0 | 0 | 1201538.7455200006 | 0 | 0 | 1102226.6025999999 | 0 | 0 | 1339884.8849999998 | 647273.0608800002 | -0.19634663772290092 | 805413.24315 | 4449063.4762699995 Impôts sur le revenu | 41677.85208 | -0.6559728848187208 | 121146.99755 | 0 | 0 | 176546.26074 | 0 | 0 | 91326.72475 | 0 | 0 | -14764.437519999992 | 41677.85208 | -0.6559728848187208 | 121146.99755 | 374255.54552000004 BÉNÉFICE NET (PERTE NETTE) | 605595.2088000003 | -0.11497138329688751 | 684266.2456 | 0 | 0 | 1024992.4847800005 | 0 | 0 | 1010899.8778499998 | 0 | 0 | 1354649.3225199997 | 605595.2088000003 | -0.11497138329688751 | 684266.2456 | 4074807.9307499994 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 839566.0937000001 | 0.19166333436821686 | 704532.95783 | 2928900.85946 | -0.20732038161970853 | 3694936.50593 | -0.054622728214936474 | 3908425.36224 | 0.29441753975659435 | 3019447.15843 Intérêts sur Bons B.R.H. | 0 | -1 | 1014 | 6070 | -0.9394486533199493 | 100245.49961 | 6.5851204975225865 | 13216.07213 | -0.869176271317123 | 101021.98021000001 Autres | 225355.61137000003 | 0.04144291257111116 | 216387.86788000003 | 925604.30916 | 0.6296654916553878 | 567971.9635099999 | 0.18766164403300722 | 478227.08291000006 | 0.1942295273804352 | 400448.21531 1064921.7050700001 | 0.15509434655522764 | 921934.82571 | 3860575.1686199997 | -0.11518704221648808 | 4363153.9690499995 | -0.008344464859758517 | 4399868.51728 | 0.2496369766657358 | 3520917.35395 Dépenses d'intérêt | 192016.9898 | 0.10890587234571814 | 173158.96199 | 716446.56067 | -0.3360523112683188 | 1079070.79553 | 0.072527047144617 | 1006101.24323 | 0.24527501139305916 | 807934.9814500002 872904.7152700002 | 0.16577571148369352 | 748775.86372 | 3144128.6079499996 | -0.04261602346081622 | 3284083.1735199997 | -0.03231927579969481 | 3393767.27405 | 0.25093598412239615 | 2712982.3724999996 AUTRES REVENUS Commissions | 395638.6395900001 | 0.35254143136019384 | 292514.98728 | 1624121.2409700002 | -0.01178813061304961 | 1643494.97439 | 0.09241462788352228 | 1504460.79029 | 0.08422526640644101 | 1387590.60216 Gains sur change | 433545.59673 | -0.293266882188885 | 613450.23433 | 2265663.86052 | 1.4635173877282956 | 919686.57165 | 0.5788521154847199 | 582503.30264 | -0.28007427424160614 | 809115.83209 Autres | 363119.4917 | 0.014201110139424895 | 358034.99727000005 | 2372488.33828 | 3.4863246301128887 | 528826.7198399999 | -0.7761202854372703 | 2362101.99246 | 2.733194325313412 | 632729.45007 1192303.7280200003 | -0.05672189750372694 | 1264000.21888 | 6262273.43977 | 1.0253094109978802 | 3092008.2658800003 | -0.3050208276218584 | 4449066.08539 | 0.5724215947233757 | 2829435.88432 PRODUIT NET BANCAIRE | 2065208.4432900003 | 0.02604977331719424 | 2012776.0826 | 9406402.04772 | 0.4752614728193353 | 6376091.4394000005 | -0.1870168410851877 | 7842833.35944 | 0.41505620760203665 | 5542418.25682 Dotation à la provision pour créances douteuses | 11980.207999999999 | -0.6986653976290057 | 39757.16 | -3111.7980499999976 | -1.024334766884677 | 127874.57815999999 | -0.4383319712994268 | 227669.32 | 4.293158188412536 | 43012 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2053228.2352900002 | 0.04065308840743505 | 1973018.9226000002 | 9409513.84577 | 0.5059518667062748 | 6248216.86124 | -0.17950331353604315 | 7615164.0394399995 | 0.3847247655137638 | 5499406.25682 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 682016.49696 | 0.31575515480996613 | 518346.05737000005 | 2206372.78204 | 0.017047780108070364 | 2169389.5067600003 | 0.0874527667517931 | 1994927.57119 | 0.2844284659266689 | 1553163.62422 Frais de locaux | 79189.24203 | 0.1805859757615293 | 67076.21779 | 338256.32162999996 | 0.11782574549255928 | 302602.01377 | 0.2912247558076615 | 234352.7046 | 0.22292876240578735 | 191632.34344 Amortissement | 126388.11855000001 | 0.026787767147594614 | 123090.7911 | 464276.48328 | 0.07762622415108102 | 430832.57708 | 0.20321381175805792 | 358068.1778 | -0.00365478314606498 | 359381.63976000005 Autres dépenses d'exploitation | 518361.31687 | 0.12909966742477538 | 459092.61318999995 | 1951544.7825500001 | -0.2996915775522413 | 2786693.29112 | 0.41405556616628486 | 1970709.89132 | 0.2451789510716503 | 1582672.02447 1405955.17441 | 0.2041352651455705 | 1167605.6794500002 | 4960450.3695 | -0.12814215502252663 | 5689517.388730001 | 0.2482326811554542 | 4558058.3449099995 | 0.23630166673583294 | 3686849.6318900003 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647273.0608800002 | -0.19634663772290092 | 805413.24315 | 4449063.4762699995 | 6.963249824243156 | 558699.4725099998 | -0.8172456145334895 | 3057105.69453 | 0.6866263114114103 | 1812556.6249299995 Impôts sur le revenu | 41677.85208 | -0.6559728848187208 | 121146.99755 | 374255.54552000004 | 8.833428376545871 | -47776.72399999999 | -1.2048935582485818 | 233178.26294 | 2.728228115329484 | -134923.313 BÉNÉFICE NET (PERTE NETTE) | 605595.2088000003 | -0.11497138329688751 | 684266.2456 | 4074807.9307499994 | 5.718825823995572 | 606476.1965099997 | -0.7852366212652547 | 2823927.43159 | 0.4500418600417458 | 1947479.9379299995 [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 81-6 - POSITION NETTE DE CHANGE DES BANQUES Trim 1 2022 | Trim 4 2021 Octobre | Nombre de jours de dépassement | Novembre1 | Nombre de jours de dépassement | Décembre 1 | Nombre de jours de dépassement | Juillet1 | Nombre de jours de dépassement | Aout1 | Nombre de jours de dépassement | sepembre 1 | Nombre de jours de dépassement BNC | 0.002 | 0 | 0.0016 | 0 | 0.0025 | 0 | BNC | 0.0023 | 1 | 0.0037 | 4 | 0.0007 | 0 BPH | 0 | 0 | 0 | 0 | 0 | 0 | BPH | 0 | 0 | 0 | 0 | 0 | 0 BUH | 0.0098 | 4 | 0.0029 | 8 | 0.0081 | 1 | BUH | 0.0013 | 0 | 0.0001 | 1 | 0.0103 | 1 CAPITALBK | 0.0012 | 0 | 0.0027 | 2 | 0.0004 | 1 | CAPITALBK | 0.0005 | 4 | 0.0021 | 1 | 0.0003 | 0 CBNA | 0.0001 | 0 | 0.0011 | 0 | 0.0003 | 0 | CBNA | 0.0008 | 1 | 0.0004 | 0 | 0.0006 | 0 SCOTIA | 0 | SCOTIA | 0 SOGEBK | 0.0011 | 1 | 0.0014 | 2 | 0.0018 | 0 | SOGEBK | 0.0029 | 0 | 0.0011 | 0 | 0.0006 | 0 SOGEBL | 0.0008 | 0 | 0.0007 | 0 | 0.0008 | 0 | SOGEBL | 0.0003 | 0 | 0.0016 | 0 | 0.0029 | 0 UNIBK | 0.0047 | 0 | 0.0024 | 0 | 0.0017 | 0 | UNIBK | 0.0029 | 0 | 0.0054 | 1 | 0.0046 | 0 1 Position de chaque banque le dernier jour du mois [Apparentés décembre 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2021 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 | 217126194.4225 | 2 | 975443370 | 3 | 6671790390 | 55 | 7864359954.422501 | 0.02760888307260144 | 0.12403340839599568 | 0.8483577085314028 | 0.9999999999999999 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 11 | 172213995.571152 | 3 | 662739981.3649853 | 1 | 303010493.61512446 | 15 | 1137964470.551262 | 0.1513351251535355 | 0.5823907499009486 | 0 | 0.7337258750544842 CAPITALBK | 12 | 603172500 | 2 | 658282880 | 0 | 0 | 14 | 1261455380 | 0.4781560327563865 | 0.5218439672436135 | 0 | 1 SOGEBK | 21 | 1618382434.697296 | 1 | 531527300.08 | 0 | 0 | 22 | 2149909734.777296 | 0.7527676202019431 | 0.2472323797980568 | 0 | 0.9999999999999999 SOGEBL | 6 | 79100121.7825 | 0 | 0 | 0 | 0 | 6 | 79100121.7825 | 1 | 0 | - | 1 UNIBK | 11 | 1779423630 | 0 | 0 | 0 | 0 | 11 | 1779423630 | 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 | 7864359954.422501 | 6991297950 | 1.1248783860545524 BPH | 0 | -370377010 | 0 BUH | 1137964470.551262 | 2812330000 | 0.40463404740953657 CAPITALBK | 1261455380 | 5309721000 | 0.2375747011942812 SOGEBK | 2149909734.777296 | 9683650000 | 0.22201439898977102 SOGEBL | 79100121.7825 | 947015629.41297 | 0.08352567721773724 UNIBK | 1779423630 | 15390732061.1635 | 0.11561656865498575 CBNA | 0 | 427108000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés septembre 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2021 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 | 247483620 | 2 | 990911250 | 3 | 6817146050 | 56 | 8055540920 | 0.030722160368592603 | 0.12300989590156536 | 0.846267943729842 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 17 | 344264080.042454 | 3 | 630228655.3338552 | 0 | 0 | 20 | 974492735.3763092 | 0.35327516311295365 | 0.6467248368870463 | 0 | 1 CAPITALBK | 12 | 593110280 | 2 | 0 | 0 | 14 | 593110280 | 1 | 0 | 0 | 1 SOGEBK | 22 | 1573210919.9228318 | 2 | 1134487861.7625837 | 0 | 0 | 24 | 2707698781.6854153 | 0.5810140073792041 | 0.418985992620796 | 0 | 1 SOGEBL | 10 | 68117322.49862202 | 1 | 43826310 | 0 | 0 | 11 | 111943632.49862202 | 0.6084966244012183 | 0.3915033755987817 | - | 1 UNIBK | 11 | 1795139190 | 0 | 0 | 0 | 0 | 11 | 1795139190 | 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 | 8055540920 | 7001264810 | 1.150583664325075 BPH | 0 | -349436260 | 0 BUH | 974492735.3763092 | 2998568290 | 0.32498600703081176 CAPITALBK | 593110280 | 5225974000 | 0.11349277283048098 SOGEBK | 2707698781.6854153 | 8572259620.18 | 0.3158675660395548 SOGEBL | 111943632.49862202 | 807150370 | 0.13868993518348013 UNIBK | 1795139190 | 15105194180 | 0.1188425099742743 CBNA | 0 | 428082000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés juin 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 21 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 | 238767710 | 0 | 0 | 0 | 0 | 49 | 238767710 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 16 | 181323423.752128 | 4 | 877995565.2655281 | 0 | 0 | 20 | 1059318989.0176561 | 0.17116980402690188 | 0.8288301959730981 | 0 | 1 CAPITALBK | 7 | 249971870 | 1 | 394620460 | 0 | 0 | 8 | 644592330 | 0.3877983934434963 | 0.6122016065565037 | 0 | 1 SOGEBK | 23 | 1429969850.568 | 1 | 664502314.4649999 | 0 | 0 | 24 | 2094472165.033 | 0.6827351895342423 | 0.3172648104657577 | 0 | 1 SOGEBL | 7 | 61877723.531704 | 1 | 40799880 | 0 | 0 | 8 | 102677603.53170401 | 0.6026409012613726 | 0.3973590987386273 | - | 0.9999999999999999 UNIBK | 9 | 1049947840 | 0 | 0 | 0 | 0 | 9 | 1049947840 | 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 | 238767710 | 7183413330 | 0.03323875420099208 BPH | 0 | -346551000 | 0 BUH | 1059318989.0176561 | 2909774190 | 0.36405539394026176 CAPITALBK | 644592330 | 4846961000 | 0.1329889656632269 SOGEBK | 2094472165.033 | 7626898261.57472 | 0.274616507681139 SOGEBL | 102677603.53170401 | 743439460 | 0.13811158682874328 UNIBK | 1049947840 | 11531397417 | 0.09105122319799067 CBNA | 0 | 443167000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 21] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES 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 | 187372230 | 0 | 0 | 1 | 1676104910 | 49 | 1863477140 | 0.1005497872648977 | 0 | 0.8994502127351023 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 9 | 155555485 | 4 | 862843445 | 0 | 0 | 13 | 1018398930 | 0.15274513789993868 | 0.8472548621000613 | 0 | 1 CAPITALBK | 12 | 476236550 | 1 | 377313000 | 0 | 0 | 13 | 853549550 | 0.5579483346924616 | 0.44205166530753837 | 0 | 1 SOGEBK | 23 | 1525585000 | 1 | 611780000 | 0 | 0 | 24 | 2137365000 | 0.7137690567591404 | 0.2862309432408597 | 0 | 1 SOGEBL | 8 | 71523088.11 | 0 | 0 | 0 | 0 | 8 | 71523088.11 | 1 | 0 | - | 1 UNIBK | 9 | 1202946000 | 1 | 732383000 | 0 | 0 | 10 | 1935329000 | 0.6215718361064191 | 0.37842816389358086 | - | 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 | 1863477140 | 6280096070 | 0.29672748939332705 BPH | 0 | -331177000 | 0 BUH | 1018398930 | 3062000000 | 0.3325927269758328 CAPITALBK | 853549550 | 4860195000 | 0.1756204329250164 SOGEBK | 2137365000 | 9081006000 | 0.2353665441912493 SOGEBL | 71523088.11 | 802385256.49 | 0.08913808863198046 UNIBK | 1935329000 | 12314883000 | 0.15715366520331536 CBNA | 0 | 698582000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc. 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 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 | 44 | 122749250 | 0 | 0 | 0 | 0 | 44 | 122749250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 12 | 309405000 | 3 | 656253000 | 0 | 0 | 15 | 965658000 | 0.3204084675941172 | 0.6795915324058829 | 0 | 1 CAPITALBK | 14 | 565302000 | 0 | 0 | 0 | 0 | 14 | 565302000 | 1 | 0 | 0 | 1 SOGEBK | 22 | 1250370000 | 1 | 623196000 | 0 | 0 | 23 | 1873566000 | 0.667374407947198 | 0.332625592052802 | 0 | 1 SOGEBL | 8 | 70134614.03 | 0 | 0 | 0 | 0 | 8 | 70134614.03 | 1 | 0 | - | 1 UNIBK | 10 | 1237884000 | 1 | 854738000 | 0 | 0 | 11 | 2092622000 | 0.5915468727749207 | 0.40845312722507937 | - | 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 | 122749250 | 7362838000 | 0.016671458750009166 BPH | 0 | -314270000 | 0 BUH | 965658000 | 3269397000 | 0.2953627228507275 CAPITALBK | 565302000 | 5026823000 | 0.11245711257388613 SOGEBK | 1873566000 | 9228616000 | 0.20301700710052298 SOGEBL | 70134614.03 | 909558710.91 | 0.07710839683986025 UNIBK | 2092622000 | 11069641000 | 0.18904154163626444 CBNA | 0 | 677012000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés sept 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 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 | 44 | 98283000 | 0 | 0 | 0 | 0 | 44 | 98283000 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 12 | 263752000 | 5 | 1014003000 | 0 | 0 | 17 | 1277755000 | 0.20641828832600928 | 0.7935817116739907 | 0 | 1 CAPITALBK | 13 | 656815000 | 0 | 0 | 0 | 0 | 13 | 656815000 | 1 | 0 | 0 | 1 SOGEBK | 20 | 1130664000 | 2 | 1096725000 | 0 | 0 | 22 | 2227389000 | 0.5076185614636689 | 0.4923814385363311 | 0 | 1 SOGEBL | 8 | 71179678.24000001 | 0 | 0 | 0 | 0 | 8 | 71179678.24000001 | 1 | 0 | - | 1 UNIBK | 10 | 1048827000 | 1 | 562531000 | 0 | 0 | 11 | 1611358000 | 0.6508963247149299 | 0.3491036752850701 | - | 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 | 98283000 | 7120424000 | 0.013802970160203943 BPH | 0 | -376727000 | 0 BUH | 1277755000 | 3070684000 | 0.41611412962063177 CAPITALBK | 656815000 | 4661707000 | 0.1408958134863474 SOGEBK | 2227389000 | 8173027000 | 0.27252925996696203 SOGEBL | 71179678.24000001 | 731955267.11 | 0.09724594034419723 UNIBK | 1611358000 | 11069640000 | 0.14556552877961704 CBNA | 0 | 636004000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés juin 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 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 | 41 | 74796750 | 0 | 0 | 0 | 0 | 41 | 74796750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 12 | 226874000 | 6 | 1196855000 | 0 | 0 | 18 | 1423729000 | 0.15935195532295823 | 0.8406480446770418 | 0 | 1 CAPITALBK | 13 | 823774000 | 0 | 0 | 0 | 0 | 13 | 823774000 | 1 | 0 | 0 | 1 SOGEBK | 23 | 1548924000 | 2 | 1176358000 | 0 | 0 | 25 | 2725282000 | 0.5683536602817617 | 0.43164633971823835 | 0 | 1 SOGEBL | 8 | 82553782.58 | 0 | 0 | 0 | 0 | 8 | 82553782.58 | 1 | 0 | - | 1 UNIBK | 6 | 588113000 | 0 | 0 | 0 | 0 | 6 | 588113000 | 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 | 74796750 | 5736616000 | 0.013038479479888492 BPH | 0 | -330917000 | 0 BUH | 1423729000 | 3025699000 | 0.4705454838700082 CAPITALBK | 823774000 | 4965533000 | 0.16589840405853712 SOGEBK | 2725282000 | 8878497000 | 0.30695308000892496 SOGEBL | 82553782.58 | 803231015.31 | 0.10277713510370251 UNIBK | 588113000 | 12505458000 | 0.047028505473370105 CBNA | 0 | 665995000 | 0 SCOTIABK | 0 | 0 | 0 [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 décembre 21] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2021 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 | 3135406550.645 | 2 | 2150595485 | 0 | 0 | 8 | 5286002035.645 | 0.5931527323489606 | 0.4068472676510393 | 0 | 0.9999999999999999 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 3 | 702296595.6876445 | 5 | 2027626118.6134224 | 3 | 2660857334.032674 | 11 | 5390780048.33374 | 0.13027736049158978 | 0.37612851951549203 | 0.49359411999291825 | 1 CAPITALBK | 4 | 1532319940 | 1 | 787274760 | 0 | 0 | 5 | 2319594700 | 0.660598138114387 | 0.33940186188561305 | 0 | 1 SOGEBK | 5 | 2862576206.583494 | 7 | 10124404994.664722 | 0 | 0 | 12 | 12986981201.248217 | 0.22041890738306172 | 0.7795810926169383 | 0 | 1 SOGEBL | 1 | 62976818.887131006 | 0 | 0 | 0 | 0 | 1 | 62976818.887131006 | 1 | 0 | 0 | 1 UNIBK | 9 | 8760422900 | 5 | 9074851060 | 0 | 0 | 14 | 17835273960 | 0.49118521642265817 | 0.5088147835773418 | 0 | 1 CBNA | 0 | 0 | 3 | 189503163.72243115 | 1 | 85421600 | 4 | 274924763.7224312 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés septembre 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 septembre 2021 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 | 3090590010 | 2 | 2132220825.0000002 | 1 | 1425799164.93 | 9 | 6648609999.93 | 0.46484754106986864 | 0.320701744428151 | 0.21445071450198033 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 3 | 679513467.0053409 | 6 | 2509623825.571724 | 2 | 2184024604.3211465 | 11 | 5373161896.8982115 | 0.12646435749453347 | 0.4670664822179405 | 0.406469160287526 | 1 CAPITALBK | 4 | 1569006270 | 1 | 939692180 | 0 | 0 | 5 | 2508698450 | 0.6254264118511335 | 0.3745735881488666 | 0 | 1 SOGEBK | 7 | 4074665688.859984 | 5 | 5296861248.873039 | 2 | 3591567123.652376 | 14 | 12963094061.385399 | 0.3143281742433422 | 0.4086108782201454 | 0.27706094753651245 | 1 SOGEBL | 3 | 152968497.39399403 | 0 | 0 | 0 | 0 | 3 | 152968497.39399403 | 1 | 0 | 0 | 1 UNIBK | 8 | 8346076530 | 3 | 5393985500 | 0 | 0 | 11 | 13740062030 | 0.6074264083944605 | 0.3925735916055395 | 0 | 1 CBNA | 0 | 0 | 2 | 142377130.09320787 | 2 | 171232900.00000003 | 4 | 313610030.0932079 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés juin 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2021 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 | 2514290500 | 3 | 3469067403.69 | 0 | 0 | 8 | 5983357903.690001 | 0.4202139568568028 | 0.5797860431431971 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 779500601.5524001 | 4 | 1523099106.661852 | 2 | 2099398230.4366398 | 10 | 4401997938.650892 | 0.1770788202121009 | 0.34600177644077806 | 0.4769194033471209 | 0.9999999999999999 CAPITALBK | 4 | 1331297600 | 2 | 1247492670 | 0 | 0 | 6 | 2578790270 | 0.5162488844042366 | 0.48375111559576345 | 0 | 1 SOGEBK | 6 | 2961105079.5685964 | 7 | 6850753233.733779 | 2 | 3515607566.746416 | 15 | 13327465880.048792 | 0.222180653563058 | 0.5140326972428684 | 0.26378664919407363 | 1 SOGEBL | 2 | 98746273.85316603 | 0 | 0 | 0 | 0 | 2 | 98746273.85316603 | 1 | 0 | 0 | 1 UNIBK | 13 | 11536699870 | 2 | 4035574640 | 0 | 0 | 15 | 15572274510 | 0.7408487348840089 | 0.25915126511599107 | 0 | 1 CBNA | 0 | 0 | 1 | 77937508.66729 | 3 | 395533474.5 | 4 | 473470983.16729 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 21] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2021 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 | 1640388950 | 4 | 3546224180 | 1 | 1288751470 | 9 | 6475364600 | 0.25332765818313924 | 0.5476485725606864 | 0.1990237692561744 | 1.0000000000000002 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 1384005817 | 3 | 1112709061 | 2 | 1993096454 | 11 | 4489811332 | 0.30825478280921226 | 0.2478298036867265 | 0.4439154135040612 | 1 CAPITALBK | 5 | 1651408060 | 1 | 587179200 | 0 | 0 | 6 | 2238587260 | 0.7377009998707845 | 0.2622990001292154 | 0 | 1 SOGEBK | 5 | 2909855000 | 6 | 7496503000 | 0 | 0 | 11 | 10406358000 | 0.279622803674446 | 0.7203771963255541 | 0 | 1 SOGEBL | 1 | 56439144.150000006 | 0 | 0 | 0 | 0 | 1 | 56439144.150000006 | 1 | 0 | 0 | 1 UNIBK | 10 | 9183056000 | 3 | 4902209000 | 0 | 0 | 13 | 14085265000 | 0.6519618906708535 | 0.3480381093291465 | 0 | 1 CBNA | 1 | 66841000 | 2 | 202939000 | 1 | 139717000 | 4 | 409497000 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés décembre 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 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 | 3 | 1217382000 | 5 | 4594404500 | 0 | 0 | 8 | 5811786500 | 0.20946777724887175 | 0.7905322227511282 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 1865464000 | 1 | 428403000 | 2 | 1949183000 | 10 | 4243050000 | 0.43965166566502867 | 0.10096581468519107 | 0.4593825196497802 | 1 CAPITALBK | 4 | 1673374000 | 0 | 0 | 0 | 0 | 4 | 1673374000 | 1 | 0 | 0 | 1 SOGEBK | 6 | 3437111000 | 4 | 4290249000 | 0 | 0 | 10 | 7727360000 | 0.444797576403843 | 0.555202423596157 | 0 | 1 SOGEBL | 1 | 53571632.76999998 | 0 | 0 | 0 | 0 | 1 | 53571632.76999998 | 1 | 0 | 0 | 1 UNIBK | 9 | 7719065000 | 4 | 5797168000 | 0 | 0 | 13 | 13516233000 | 0.5710958815226106 | 0.42890411847738935 | 0 | 1 CBNA | 0 | 0 | 3 | 270850000 | 1 | 135403000 | 4 | 406253000 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés septembre 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 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 | 5 | 2602606000 | 7 | 7240180500 | 1 | 4078862000 | 13 | 13921648500 | 0.1869466823559006 | 0.5200663197321783 | 0.2929869979119211 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 9 | 2033315000 | 3 | 1027390000 | 2 | 1847580000 | 14 | 4908285000 | 0.4142618042758316 | 0.20931751110622143 | 0.376420684617947 | 1 CAPITALBK | 4 | 1592908000 | 0 | 0 | 0 | 0 | 4 | 1592908000 | 1 | 0 | 0 | 1 SOGEBK | 10 | 5158946000 | 4 | 4229818000 | 0 | 0 | 14 | 9388764000 | 0.5494808475322204 | 0.45051915246777957 | 0 | 1 SOGEBL | 2 | 89791892.22 | 0 | 0 | 0 | 0 | 2 | 89791892.22 | 1 | 0 | 0 | 1 UNIBK | 9 | 0 | 4 | 5297015000 | 0 | 0 | 13 | 5297015000 | 0 | 1 | 0 | 1 CBNA | 1 | 37555000 | 2 | 235071000 | 2 | 254402000 | 5 | 527028000 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés juin 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 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 | 5 | 1849381000 | 7 | 5286345000 | 4 | 7381148000 | 16 | 14516874000 | 0.12739526429725848 | 0.3641517450657766 | 0.5084529906369649 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 5 | 1167591000 | 6 | 2406011000 | 2 | 2551407000 | 13 | 6125009000 | 0.19062682193609837 | 0.39281754524768864 | 0.416555632816213 | 1 CAPITALBK | 5 | 2002344000 | 2 | 1197485000 | 0 | 0 | 7 | 3199829000 | 0.6257659393673849 | 0.37423406063261505 | 0 | 1 SOGEBK | 13 | 7810002000 | 5 | 5866180000 | 0 | 0 | 18 | 13676182000 | 0.5710659597832202 | 0.4289340402167798 | 0 | 1 SOGEBL | 6 | 309009726.89000005 | 0 | 0 | 0 | 0 | 6 | 309009726.89000005 | 1 | 0 | 0 | 1 UNIBK | 8 | 7590073000 | 7 | 10854416000 | 1 | 2501659000 | 16 | 20946148000 | 0.36236127998331724 | 0.5182058295396366 | 0.11943289047704618 | 1 CBNA | 1 | 66480108.25678101 | 2 | 251721930.443333 | 2 | 298897892.607767 | 5 | 617099931.307881 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [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 | 0.3739561257895333 | 0.3739561257895333 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' activitédéc. 21] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2021 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 | 755.6581600000001 | 117933.009497424 | 32394.8739943 | 15929.04593 | 0 | 0 | 0 | 0 | 167012.58758172402 200 | Industrie alimentaire | 1720411.28 | 0 | 1048336.621802648 | 1480825.671031854 | 3923345.73773 | 730415 | 6691.59237 | 0 | 0 | 8910025.902934503 210 | Industrie des boissons | 769557.62 | 0 | 1353953.8356847768 | 2721194.528337106 | 2606654.1565300003 | 235343 | 0 | 29000.000099999997 | 0 | 7715703.140651884 220 | Industrie du bois | 52273.57 | 0 | 822.717152339 | 0 | 0 | 3146 | 0 | 0 | 0 | 56242.287152339 230 | Industrie chimique | 200.8 | 0 | 11526.90323 | 394273.98041547695 | 17593.20595 | 67958 | 0 | 29000.000099999997 | 0 | 520552.8896954769 240 | Industrie du textile | 926.1 | 0 | 467750.91108222003 | 1719494.0931790888 | 41989.5835 | 306993 | 0 | 0 | 0 | 2537153.687761309 250 | Industrie pharmacie | 0 | 0 | 44535.07586 | 49999.99996 | 57747.94593 | 61866 | 0 | 0 | 0 | 214149.02175 260 | Imprimerie, édition | 563.63 | 0 | 282.56783431499997 | 105701.107026279 | 95660.85068 | 23093 | 0 | 0 | 0 | 225301.15554059402 270 | Sidérurgie, aciérie | 21997.87 | 0 | 61141.04298866299 | 586987.6305431421 | 0 | 609876 | 0 | 0 | 0 | 1280002.543531805 280 | Industrie de la fabrication | 1335.95 | 1596.46617 | 204539.16144113397 | 2316445.6420845306 | 763809.26727 | 65465 | 0 | 0 | 0 | 3353191.4869656647 290 | Autres industries | 0 | 0 | 7972.265220512 | 13894.979753988 | 2103637.0977000003 | 110775 | 0 | 0 | 0 | 2236279.3426745003 300 | Production et distribution de l'électricité | 1462036.23 | 0 | 331550.49761 | 460121.66763647 | 0 | 6036 | 0 | 0 | 0 | 2259744.39524647 400 | Production et distribution de gaz | 0 | 0 | 0 | 1332.50039 | 110246.93392 | 175630 | 0 | 0 | 0 | 287209.43431 500 | Traitement et distribution de l'eau | 0 | 0 | 479359.80710776494 | 237352.02164441702 | 29237.14804 | 12433 | 0 | 0 | 0 | 758381.976792182 600 | Entrep/ batiment et corps/ métiers corresp. | 896575.31 | 93155.59782 | 1768204.822061115 | 5463597.210064706 | 1158457.90772 | 469449 | 0 | 41151.932520143346 | 0 | 9890591.780185966 700 | Commerce de gros(1) | 3140587.02 | 315886.49717 | 4062757.8947041477 | 9058898.885578278 | 13349944.726460002 | 2438573 | 0 | 38666.666800000006 | 0 | 32405314.69071243 800 | Commerce de détail(2) | 761574.8700000001 | 420280.00201999996 | 903073.706494738 | 7319485.851775953 | 7642412.660729999 | 1260547 | 0 | 0 | 0 | 18307374.09102069 900 | Rest/débits/boissons, casinos/activités/loterie | 15887.65 | 0 | 1426.8733393930002 | 3331.5931800000003 | 9489.8336 | 12585 | 0 | 0 | 0 | 42720.950119393 1000 | Hotels,motels et pensions | 2184391.75 | 0 | 74492.258058066 | 360138.44536486303 | 1151241.48952 | 257306 | 158531.075076086 | 0 | 0 | 4186101.0180190154 1100 | Transport | 888457.13 | 127611.469 | 289814.07271911297 | 345511.93133759295 | 695406.02554 | 41583 | 0 | 0 | 0 | 2388383.628596706 1200 | Immobilier résidentiel / Avance Hypothécaire | 2374284.5999999996 | 211081.46713 | 1682667.3559601528 | 443435.604702511 | 3130357.3874399997 | 1317466 | 3685024.984020527 | 0 | 0 | 12844317.39925319 1300 | Immobilier commercial | 3281487.74 | 49213.73556 | 1481449.4350384418 | 6507898.229504181 | 1777777.21905 | 124098 | 1068425.6341723513 | 0 | 0 | 14290349.993324975 1400 | Télécommunications | 1299356.2 | 0 | 8630.614311033998 | 31429.507941423 | 71635.07688000001 | 28870 | 0 | 0 | 0 | 1439921.399132457 1500 | Services financiers | 454678.8 | 0 | 221272.56872672698 | 1160407.23288199 | 1383907.30604 | 2249807 | 0 | 0 | 0 | 5470072.907648717 1510 | Services professionnels | 463821.8 | 6869.645030000001 | 204185.072982095 | 145054.97078065804 | 208071.37369 | 634802 | 0 | 41151.932520143346 | 0 | 1703956.7950028966 1520 | Services médicaux | 9529.09 | 0 | 20028.541865434 | 3608.80506 | 31282.79637 | 58489 | 0 | 0 | 0 | 122938.233295434 1530 | Services d'agence ou de représentation | 982.17 | 775.39098 | 16574.26769432 | 18633.614519274997 | 29915.74833 | 631 | 0 | 0 | 0 | 67512.191523595 1540 | Services d'enseignement | 354492.03 | 0 | 22089.862784611003 | 42476.35982138799 | 68405.13027 | 2105 | 0 | 0 | 0 | 489568.38287599897 1550 | Autres services | 3512824.75 | 10279.719539999998 | 198295.32135562904 | 619755.3937044345 | 1586267.94 | 1000463 | 0 | 35273.08501726572 | 0 | 6963159.20961733 1560 | Crédit à la consommation | 3940276.150000001 | 23845.48137 | 814307.8134983567 | 4087499.092119616 | 1682765.9938499997 | 328443 | 61418.82507620502 | 0 | 0 | 10938556.35591418 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 | 27608510.110000007 | 1261351.1299499997 | 15898974.898105172 | 45731181.42433353 | 43743189.588669986 | 12634246 | 4980092.110715169 | 214243.61705755242 | 0 | 152071788.87883142 (1) Commerce de gros Import-export | 893420.26 | 39152.85997 | 1190873.7224201378 | 1161544.174482765 | 2592951.77355 | 0 | 5877942.790422902 Produits pétroliers | 476432.56 | 0 | 630097.7624278101 | 2461092.6891275537 | 903168.39181 | 0 | 4470791.403365364 Produits pharmaceutiques | 0 | 0 | 21120.877911851 | 113282.196833026 | 72240.25612 | 0 | 206643.330864877 Produits alimentaires | 338941.94 | 12331.749619999999 | 1110685.7757976442 | 2786113.2249264973 | 3004472.36723 | 0 | 7252545.057574142 Matériaux de construction | 111211.41 | 159917.42 | 815179.189119247 | 277103.229456392 | 4887159.38674 | 0 | 6250570.635315639 Appareils électroménagers électron.,équipe.inform. | 75304.51975 | 0 | 75304.51975 Autres | 1320580.86 | 104484.46758 | 294800.567027457 | 2259763.3707520454 | 1814648.03126 | 0 | 0 | 0 | 5794277.296619503 S-Total | 3140587.0300000003 | 315886.49717 | 4062757.8947041472 | 9058898.88557828 | 13349944.726460002 | 0 | 0 | 0 | 0 | 29928075.033912428 (2) Commerce de détail Produits pétroliers | 110514.29 | 4834.70675 | 95527.25216 | 108715.28666000001 | 90183.49093999999 | 409775.02651 Produits pharmaceutiques | 0 | 0 | 1018.10312 | 2774.6951799999997 | 5986.179190000001 | 0 | 9778.977490000001 Véhicules automobiles | 27291.89 | 0 | 69485.00245667 | 1480545.931597639 | 2804932.97106 | 0 | 4382255.795114309 Produits alimentaires | 95628.66 | 0 | 571662.0115911119 | 547419.6378292749 | 1880782.24862 | 0 | 3095492.558040387 Librairie ,papeterie | 253.45 | 0 | 0 | 35299.606833011 | 126111.70136 | 0 | 161664.758193011 Appareils électro- ménagers électroni.équip. inform. | 1342.42 | 0 | 56677.91050052099 | 236573.19763397495 | 832717.35092 | 0 | 1127310.879054496 Matériaux de construction | 26911.91 | 0 | 28245.015413495996 | 128390.495802435 | 532900.25914 | 0 | 716447.6803559309 Autres | 468824.19 | 0 | 80458.411252939 | 4779767.000239619 | 1369101.67548 | 0 | 0 | 0 | 6698151.276972557 S-Total | 730766.81 | 4834.70675 | 903073.7064947379 | 7319485.8517759545 | 7642715.8767099995 | 0 | 0 | 0 | 0 | 16600876.95173069 [Secteur d'activitésdéc. 21% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2021 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 | 0.00015173577982104496 | 0.007417648637930686 | 0.0007083760573275439 | 0.0003641491642421479 | 0 | 0 | 0 | 0.0010982483260902336 200 | Industrie alimentaire | 0.0623145281344557 | 0 | 0.06593737197028897 | 0.032381093706971405 | 0.08969043580549037 | 0.0578123142449498 | 0.0013436683943259535 | 0 | 0.05859091925349732 210 | Industrie des boissons | 0.027873927891576465 | 0 | 0.08515981969668623 | 0.05950413795540302 | 0.05958994259543331 | 0.018627387815624296 | 0 | 0.13535992576250105 | 0.050737241914078114 220 | Industrie du bois | 0.0018933861259346307 | 0 | 5.174655332256992e-05 | 0 | 0 | 0.00024900575784261283 | 0 | 0 | 0.00036984037320131764 230 | Industrie chimique | 7.273119744598922e-06 | 0 | 0.0007250092099569115 | 0.008621556848861203 | 0.000402193029713518 | 0.005378872629201616 | 0 | 0.13535992576250105 | 0.003423073362477809 240 | Industrie du textile | 3.3544004957535165e-05 | 0 | 0.029420193067791197 | 0.037600036553268386 | 0.0009599113346520988 | 0.02429848207799658 | 0 | 0 | 0.016683920840721327 250 | Industrie pharmacie | 0 | 0 | 0.0028011287611572778 | 0.001093345905413129 | 0.0013201585543491648 | 0.004896691104479049 | 0 | 0 | 0.0014082100521657626 260 | Imprimerie, édition | 2.0415082079921764e-05 | 0 | 1.7772707745370185e-05 | 0.002311357453145427 | 0.0021868741529716277 | 0.0018278099065033243 | 0 | 0 | 0.0014815447178050274 270 | Sidérurgie, aciérie | 0.0007967785987854595 | 0 | 0.0038455965482371906 | 0.012835610457918466 | 0 | 0.04827165784171054 | 0 | 0 | 0.008417094011774219 280 | Industrie de la fabrication | 4.838906535257435e-05 | 0.0012656794227181485 | 0.012864927629108389 | 0.05065352719822697 | 0.01746121566470854 | 0.005181551791852082 | 0 | 0 | 0.022050056172071723 290 | Autres industries | 0 | 0 | 0.0005014326566087056 | 0.0003038403846394944 | 0.0480906197623245 | 0.008767836244442289 | 0 | 0 | 0.014705418797015238 300 | Production et distribution de l'électricité | 0.052955998863207024 | 0 | 0.020853577022095553 | 0.010061442834093055 | 0 | 0.00047774912725302325 | 0 | 0 | 0.014859721266559186 400 | Production et distribution de gaz | 0 | 0 | 0 | 2.9137676930668084e-05 | 0.0025203222480272743 | 0.013901106563858262 | 0 | 0 | 0.0018886437545549246 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030150359389830513 | 0.0051901572242811595 | 0.0006683817141576885 | 0.0009840713881936445 | 0 | 0 | 0.004986999774142525 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03247459955020368 | 0.0738538188202144 | 0.1112150206785878 | 0.11947203286459444 | 0.0264831604328198 | 0.03715686713714455 | 0 | 0.19208008661041542 | 0.06503896516971103 700 | Commerce de gros(1) | 0.11375431008363092 | 0.25043502135882006 | 0.25553583930674323 | 0.1980902002404435 | 0.3051891014805605 | 0.19301294275891098 | 0 | 0.1804799010166681 | 0.21309221736408002 800 | Commerce de détail(2) | 0.027584786972048594 | 0.3331982602153454 | 0.05680075050639684 | 0.160054597843415 | 0.17471091460393817 | 0.09977223809002927 | 0 | 0 | 0.12038639267673597 900 | Rest/débits/boissons, casinos/activités/loterie | 0.000575462056326081 | 0 | 8.974624770072779e-05 | 7.285167529538745e-05 | 0.0002169442532480069 | 0.0009961021813252647 | 0 | 0 | 0.00028092620225196683 1000 | Hotels,motels et pensions | 0.07912023290270913 | 0 | 0.004685349749620898 | 0.007875117898730551 | 0.02631818805042478 | 0.0203657582731886 | 0.03183296042556933 | 0 | 0.027527137340078504 1100 | Transport | 0.03218055325912695 | 0.10117045600542535 | 0.01822847539394837 | 0.0075552811140310126 | 0.015897469573643495 | 0.0032912925710010714 | 0 | 0 | 0.015705632492425896 1200 | Immobilier résidentiel | 0.08599828786632047 | 0.16734552506276926 | 0.10583495896711503 | 0.00969657006207496 | 0.07156216583371415 | 0.10427737436804697 | 0.7399511699978049 | 0 | 0.08446219705804443 1300 | Immobilier commercial | 0.11885783502715784 | 0.039016681708566626 | 0.09317892785748091 | 0.14230767775532108 | 0.04064123434452219 | 0.009822351092419761 | 0.2145393318877629 | 0 | 0.09397107838792715 1400 | Télécommunications | 0.047063611720552914 | 0 | 0.0005428409294527906 | 0.0006872664768878982 | 0.0016376281097378953 | 0.002285059195459705 | 0 | 0 | 0.009468695079793962 1500 | Services financiers | 0.016468791622164063 | 0 | 0.013917411037179389 | 0.02537452995396568 | 0.031637091831969395 | 0.17807212238862533 | 0 | 0 | 0.03597033314316564 1510 | Services professionnels | 0.01679995762726799 | 0.005446259068458055 | 0.012842656478841892 | 0.0031719051697945942 | 0.00475665756536174 | 0.05024454961538662 | 0 | 0.19208008661041542 | 0.011204950027651641 1520 | Services médicaux | 0.00034515046129014016 | 0 | 0.0012597379386906878 | 7.891344477883438e-05 | 0.0007151466700110644 | 0.004629401707074566 | 0 | 0 | 0.000808422352375886 1530 | Services d'agence ou de représentation | 3.557490049578049e-05 | 0.0006147304755898833 | 0.001042473983419856 | 0.0004074597230798867 | 0.0006838949928276044 | 4.9943621487186495e-05 | 0 | 0 | 0.0004439494795276442 1540 | Services d'enseignement | 0.012839955093107338 | 0 | 0.0013893891226436023 | 0.0009288270824944476 | 0.0015637892644142655 | 0.00016661065488197713 | 0 | 0 | 0.0032193241526610825 1550 | Autres services | 0.12723702713416718 | 0.00814976836815256 | 0.012472207964757636 | 0.013552140452130613 | 0.03626319788099912 | 0.07918660124236936 | 0 | 0.16464007423749893 | 0.04578863220426422 1560 | Crédit à la consommation | 0.1427196228373368 | 0.018904713210940116 | 0.05121762998666067 | 0.08938100798648208 | 0.03846921108573794 | 0.025996248608741668 | 0.01233286929453699 | 0 | 0.07193021425315027 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999999999999998 | 0.999552649496821 | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1 (1) Commerce de gros Import-export | 0.03236032138063099 | 0.031040412966968228 | 0.07490254749455987 | 0.02539939136286359 | 0.05927669650824013 | 0 | 0 | 0 | 0.03865242089777981 Produits pétroliers | 0.017256728382001048 | 0 | 0.03963134519464551 | 0.053816512333049155 | 0.02064706301261423 | 0 | 0 | 0 | 0.029399216227591205 Produits pharmaceutiques | 0 | 0 | 0.0013284427484924308 | 0.0024771325232535676 | 0.0016514629316996836 | 0 | 0 | 0 | 0.0013588538175843214 Produits alimentaires | 0.012276719701626809 | 0.009776619156387351 | 0.06985895524182599 | 0.06092370977855404 | 0.06868434596292436 | 0 | 0 | 0 | 0.04769158771028112 Matériaux de construction | 0.004028156881950628 | 0.12678263506715942 | 0.0512724370183388 | 0.006059393630905533 | 0.11172389194056012 | 0 | 0 | 0 | 0.04110276259258055 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0.0017215141478733134 | 0 | 0 | 0 | 0.0004951905958704908 Autres | 0.04783238409962861 | 0.08283535416830505 | 0.01854211160888059 | 0.04941406061181763 | 0.04148412697664863 | 0 | 0 | 0 | 0.03810224986066481 S-Total | 0.11375431044583809 | 0.25043502135882006 | 0.25553583930674323 | 0.19809020024044355 | 0.30518910148056044 | 0 | - | 0 | 0.1968022817023523 (2) Commerce de détail Produits pétroliers | 0.004002906696510614 | 0.0038329586704311663 | 0.00600839065236746 | 0.002377268272412326 | 0.0020616578669278977 | 0 | 0 | 0 | 0.002694615678102549 Produits pharmaceutiques | 0 | 0 | 6.403577126984059e-05 | 6.067403232499011e-05 | 0.00013684825560938277 | 0 | 0 | 0 | 6.430500727384582e-05 Véhicules automobiles | 0.0009885317929602682 | 0 | 0.0043704077087983306 | 0.03237497666766688 | 0.06412273538888237 | 0 | 0 | 0 | 0.028817020089150304 Produits alimentaires | 0.0034637385218901254 | 0 | 0.035955903777119755 | 0.011970380400843816 | 0.04299600157888681 | 0 | 0 | 0 | 0.020355468827336742 Librairie ,papeterie | 9.180140434604565e-06 | 0 | 0 | 0.0007718936124888325 | 0.0028830019608964332 | 0 | 0 | 0 | 0.0010630818469678364 Appareils électro- ménagers électroni.équip. inform. | 4.8623413384185686e-05 | 0 | 0.003564878293334234 | 0.00517312674341045 | 0.019036502796213193 | 0 | 0 | 0 | 0.007413017808008565 Matériaux de construction | 0.000974768645347954 | 0 | 0.001776530599898124 | 0.00280750445983708 | 0.012182473755366654 | 0 | 0 | 0 | 0.004711246481928256 Autres | 0.016981147774076676 | 0 | 0.005060603703609091 | 0.10451877365443064 | 0.03129862473116533 | 0 | 0 | 0 | 0.04404598200859955 S-Total | 0.026468896984604428 | 0.0038329586704311663 | 0.05680075050639683 | 0.16005459784341503 | 0.17471784633394807 | 0 | - | 0 | 0.10916473774736764 [Secteur d'activitédéc. 21 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3902161.89 | 736166.4991899999 | 4965831.601198886 | 16378384.73735423 | 20992357.38719 | 3699120 | 0 | 38666.666800000006 | 0 | 50712688.78173312 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6996608.039999999 | 17924.755549999998 | 758364.7668062749 | 2353406.4153126087 | 4468581.61782 | 4216188 | 158531.075076086 | 76425.01753740906 | 0 | 19046029.688102376 Industries Manufacturières ( 200 à 290 ) | 2567266.82 | 1596.46617 | 3200861.102296608 | 9388817.632331466 | 9610437.845290001 | 2214930 | 6691.59237 | 58000.000199999995 | 0 | 27048601.458658077 Prêts aux Particuliers ( 1560 ) | 3940276.150000001 | 23845.48137 | 814307.8134983567 | 4087499.092119616 | 1682765.9938499997 | 328443 | 61418.82507620502 | 0 | 0 | 10938556.35591418 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5655772.34 | 260295.20269 | 3164116.790998595 | 6951333.834206692 | 4908134.606489999 | 1441564 | 4753450.618192879 | 0 | 0 | 27134667.392578166 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2187813.33 | 127611.469 | 298444.68703014695 | 376941.43927901593 | 767041.1024199999 | 70453 | 0 | 0 | 0 | 3828305.027729163 Bâtiments et Travaux Publics ( 600 ) | 896575.31 | 93155.59782 | 1768204.822061115 | 5463597.210064706 | 1158457.90772 | 469449 | 0 | 41151.932520143346 | 0 | 9890591.780185966 Électricité, Gaz et Eau ( 300 à 500 ) | 1462036.23 | 0 | 810910.304717765 | 698806.1896708871 | 139484.08195999998 | 194099 | 0 | 0 | 0 | 3305335.8063486516 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 755.6581600000001 | 117933.009497424 | 32394.8739943 | 15929.04593 | 0 | 0 | 0 | 0 | 167012.58758172402 Total | 27608510.11 | 1261351.1299500002 | 15898974.898105172 | 45731181.42433352 | 43743189.58867 | 12634246 | 4980092.110715169 | 214243.6170575524 | 0 | 152071788.8788314 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14133909705567954 | 0.5836332815741652 | 0.31233658981314005 | 0.3581447980838585 | 0.47990001608449845 | 0.29278518084894023 | 0 | 0.18047990101666814 | #DIV/0! | 0.333478610040816 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25342215179752775 | 0.014210757912200493 | 0.047698972522854675 | 0.05146174540027001 | 0.10215491050925594 | 0.3337110896843389 | 0.03183296042556933 | 0.35672016084791436 | #DIV/0! | 0.12524367490197658 Industries Manufacturières ( 200 à 290 ) | 0.0929882420228869 | 0.001265679422718148 | 0.20132499880090282 | 0.20530450646384754 | 0.21970135089964307 | 0.1753116094146022 | 0.0013436683943259535 | 0.2707198515250021 | #DIV/0! | 0.17786731949480789 Prêts aux Particuliers ( 1560 ) | 0.14271962283733683 | 0.01890471321094011 | 0.05121762998666067 | 0.08938100798648209 | 0.03846921108573793 | 0.025996248608741668 | 0.01233286929453699 | 0 | #DIV/0! | 0.07193021425315028 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20485612289347838 | 0.20636220677133582 | 0.19901388682459595 | 0.15200424781739608 | 0.11220340017823628 | 0.11409972546046673 | 0.9544905018855677 | 0 | #DIV/0! | 0.17843327544597162 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.07924416497967988 | 0.1011704560054253 | 0.018771316323401163 | 0.008242547590918912 | 0.017535097683381382 | 0.005576351766460776 | 0 | 0 | #DIV/0! | 0.02517432757221986 Bâtiments et Travaux Publics ( 600 ) | 0.032474599550203695 | 0.07385381882021437 | 0.1112150206785878 | 0.11947203286459447 | 0.026483160432819793 | 0.03715686713714455 | 0 | 0.19208008661041545 | #DIV/0! | 0.06503896516971104 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05295599886320704 | 0 | 0.05100393641192607 | 0.015280737735304886 | 0.0031887039621849612 | 0.01536292707930493 | 0 | 0 | #DIV/0! | 0.02173536479525664 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0.0005990862830003206 | 0.007417648637930686 | 0.0007083760573275441 | 0.00036414916424214774 | 0 | 0 | 0 | #DIV/0! | 0.0010982483260902338 Total | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitésept. 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2021 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 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022 200 | Industrie alimentaire | 1725923 | 755.6581600000001 | 1101218.8537993599 | 1441207.8998994257 | 4446921.9990799995 | 647704.2 | 9677.551660000001 | 60165.376099999994 | 0 | 9433574.538698783 210 | Industrie des boissons | 771049.93 | 0 | 1346899.013809254 | 3335748.4929787177 | 2723746.88568 | 232127.31 | 0 | 0 | 0 | 8409571.632467972 220 | Industrie du bois | 51149.68 | 0 | 962.8797208020001 | 0 | 0 | 6475.83 | 0 | 0 | 0 | 58588.389720802 230 | Industrie chimique | 46.4 | 0 | 11223.323600000002 | 408880.7152732859 | 17803.6372 | 61739.8 | 0 | 29000.000099999997 | 0 | 528693.8761732859 240 | Industrie du textile | 0 | 0 | 469005.398232068 | 1907513.885113774 | 6328.416990000001 | 197993.15 | 0 | 0 | 0 | 2580840.850335842 250 | Industrie pharmacie | 0 | 0 | 46159.51654 | 62499.99997 | 88663.19294 | 75921.73 | 0 | 0 | 0 | 273244.43944999995 260 | Imprimerie, édition | 0 | 0 | 410.873918934 | 87698.55348195 | 109337.33653 | 22224.89 | 0 | 0 | 0 | 219671.65393088403 270 | Sidérurgie, aciérie | 10436.68 | 0 | 36548.54607461201 | 101516.45085 | 0 | 587963 | 0 | 0 | 0 | 736464.676924612 280 | Industrie de la fabrication | 1369.47 | 1717.5133799999999 | 213657.902917444 | 2238118.0746563803 | 367930.51833999995 | 96285 | 0 | 0 | 0 | 2919078.479293824 290 | Autres industries | 0 | 0 | 10570.474838158001 | 13235.122939588002 | 2535975.23496 | 157529 | 0 | 0 | 0 | 2717309.832737746 300 | Production et distribution de l'électricité | 1425799.17 | 0 | 331555.47832 | 440826.979893628 | 2434.795 | 4867 | 0 | 0 | 0 | 2205483.4232136277 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 46870.27244 | 175796 | 0 | 0 | 0 | 222666.27244 500 | Traitement et distribution de l'eau | 0 | 0 | 459718.96515509405 | 202125.06034197 | 22625.659239999997 | 7969.42 | 0 | 0 | 0 | 692439.104737064 600 | Entrep/ batiment et corps/ métiers corresp. | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861 700 | Commerce de gros(1) | 2890475.7800000003 | 306141.58816000004 | 3210527.2711612303 | 7948397.675164118 | 13190098.833150001 | 2723523 | 0 | 62040.698800000006 | 0 | 30331204.84643535 800 | Commerce de détail(2) | 752993.3899999999 | 410216.24078 | 749839.4156317039 | 7401796.718435373 | 7739552.33636 | 1068953 | 0 | 23374.032 | 0 | 18146725.13320708 900 | Rest/débits/boissons, casinos/activités/loterie | 135822.57 | 0 | 1584.93292389 | 4382.4981 | 11046.75601 | 16753 | 0 | 0 | 0 | 169589.75703389003 1000 | Hotels,motels et pensions | 2167734.5300000003 | 0 | 62536.688376305996 | 360233.35082 | 1169355.28454 | 272127.76 | 179598.65541773205 | 0 | 0 | 4211586.269154038 1100 | Transport | 859337.47 | 127298.30116 | 284956.101641328 | 297645.60229500796 | 681560.37578 | 30943 | 0 | 0 | 0 | 2281740.850876336 1200 | Immobilier résidentiel / Avance Hypothécaire | 2305279.2300000004 | 212300.89839 | 1685179.0719015982 | 575881.6484519719 | 3108512.08248 | 1328535 | 3688630.2771461615 | 0 | 0 | 12904318.208369732 1300 | Immobilier commercial | 3287608.71 | 50015.82299 | 1534582.608979986 | 6652572.387569395 | 1801571.39229 | 123980 | 1092712.7129447057 | 0 | 0 | 14543043.634774085 1400 | Télécommunications | 1449810.46 | 0 | 13086.809637614002 | 61828.246426175996 | 616304.54188 | 30261 | 0 | 0 | 0 | 2171291.05794379 1500 | Services financiers | 362275.06 | 0 | 235055.83570200801 | 713207.4704187119 | 2202899.06331 | 2123719 | 0 | 0 | 0 | 5637156.429430719 1510 | Services professionnels | 452440.05 | 7360.44085 | 200766.47033301 | 138622.89928444 | 200543.6393 | 615281 | 0 | 38701.94451023381 | 0 | 1653716.444277684 1520 | Services médicaux | 10130.16 | 0 | 20208.984651424 | 4067.56881 | 51920.874149999996 | 39159 | 0 | 0 | 0 | 125486.587611424 1530 | Services d'agence ou de représentation | 1017.61 | 775.39098 | 17776.199911518 | 18977.402595832 | 30108.52082 | 165 | 0 | 0 | 0 | 68820.12430735001 1540 | Services d'enseignement | 361981.27 | 0 | 22547.493567212 | 44545.02304078 | 67665.08784000001 | 2562 | 0 | 0 | 0 | 499300.874447992 1550 | Autres services | 3369051.15 | 16421.0547 | 128858.32188794398 | 573272.4336048584 | 1014137.3190199999 | 926772 | 0 | 0 | 0 | 6028512.279212803 1560 | Crédit à la consommation | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279 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 | 27360915.45 | 1248027.1634199999 | 14929981.847159483 | 43409527.42254082 | 45393961.66712 | 12395485 | 5029973.5466908505 | 251983.9960204676 | 0 | 150019856.09295163 (1) Commerce de gros Import-export | 719670.866680296 | 39135.98107 | 695475.6409186699 | 1172312.74932503 | 3115213.6538899997 | 0 | 5741808.891883995 Produits pétroliers | 341728.38847 | 0 | 682384.208935142 | 2200952.8133710423 | 871380.07635 | 0 | 4096445.4871261846 Produits pharmaceutiques | 0 | 0 | 22767.817037883997 | 52481.079748521995 | 65331.536340000006 | 0 | 140580.433126406 Produits alimentaires | 454907.627946444 | 8133.9889 | 1032360.043869012 | 2425426.068280332 | 3243761.68653 | 0 | 7164589.415525788 Matériaux de construction | 0 | 156201.85666 | 446724.97009194794 | 136190.967297058 | 3881093.27047 | 0 | 4620211.064519006 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1374168.894805964 | 102669.76153 | 330814.59030857397 | 1961033.9971421324 | 2013318.60957 | 0 | 0 | 0 | 5782005.853356671 S-Total | 2890475.777902704 | 306141.58816 | 3210527.27116123 | 7948397.675164116 | 13190098.83315 | 0 | 0 | 0 | 0 | 27545641.145538054 (2) Commerce de détail Produits pétroliers | 140310.85195000004 | 4834.70288 | 79199.336063918 | 71423.94340999999 | 191796.94725 | 487565.78155391803 Produits pharmaceutiques | 0 | 0 | 956.0439299999999 | 2843.35281 | 6042.5089800000005 | 0 | 9841.90572 Véhicules automobiles | 28005.73441 | 0 | 25574.04872918 | 1259196.057769652 | 2903232.4510100004 | 0 | 4216008.291918833 Produits alimentaires | 93983.53403 | 0 | 473486.0725663021 | 549772.2543618999 | 1992763.59428 | 0 | 3110005.455238202 Librairie ,papeterie | 389.05395999999996 | 0 | 0 | 41098.737237292 | 122524.33037000001 | 0 | 164012.12156729202 Appareils électro- ménagers électroni.équip. inform. | 29184.83156 | 0 | 56373.681265527994 | 209133.254089614 | 762261.1493500001 | 0 | 1056952.9162651422 Matériaux de construction | 0 | 0 | 28708.773416314 | 143479.182217688 | 534431.45592 | 0 | 706619.411554002 Autres | 461119.388583442 | 405381.5379 | 85541.459660462 | 5124849.936539243 | 1226499.8991999999 | 0 | 0 | 0 | 7303392.221883147 S-Total | 752993.394493442 | 410216.24078 | 749839.415631704 | 7401796.718435389 | 7739552.33636 | 0 | 0 | 0 | 0 | 17054398.105700538 [Secteur d'activitéssept. 21%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2021 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 | 0.007885869652307847 | 0.000701205946881473 | 0.0005160885122077589 | 0 | 0 | 0 | 0.0011438633268098727 200 | Industrie alimentaire | 0.0630798703776558 | 0.0006054821418543897 | 0.0737588876579159 | 0.033200266979894935 | 0.09796285311447091 | 0.05225323575479297 | 0.0019239766512026146 | 0.2387666560185553 | 0.06288217296284955 210 | Industrie des boissons | 0.028180706577929947 | 0 | 0.09021437719065341 | 0.0768436951756954 | 0.06000240529023663 | 0.018726763010886625 | 0 | 0 | 0.05605639047712084 220 | Industrie du bois | 0.0018694432974463945 | 0 | 6.449302689441606e-05 | 0 | 0 | 0.0005224345800103828 | 0 | 0 | 0.0003905375678036972 230 | Industrie chimique | 1.6958496905848229e-06 | 0 | 0.0007517305590117181 | 0.009419146891264487 | 0.0003922027632343803 | 0.004980829713399678 | 0 | 0.11508667438405275 | 0.003524159334253124 240 | Industrie du textile | 0 | 0 | 0.03141366165299786 | 0.04394228636829801 | 0.00013941098678293666 | 0.015973005493532522 | 0 | 0 | 0.017203328396320848 250 | Industrie pharmacie | 0 | 0 | 0.003091732931261542 | 0.0014397760971142537 | 0.001953193545656558 | 0.006124950334738818 | 0 | 0 | 0.0018213884919386866 260 | Imprimerie, édition | 0 | 0 | 2.7520054822583136e-05 | 0.002020260497846647 | 0.0024086317323829395 | 0.0017929826868412168 | 0 | 0 | 0.0014642838598297046 270 | Sidérurgie, aciérie | 0.00038144483941234507 | 0 | 0.002447996685378796 | 0.0023385753514857796 | 0 | 0.047433642168902626 | 0 | 0 | 0.004909114673915577 280 | Industrie de la fabrication | 5.0052053357008564e-05 | 0.0013761826908426057 | 0.01431066059588637 | 0.05155822252730205 | 0.00810527446443392 | 0.0077677476920023705 | 0 | 0 | 0.0194579474698681 290 | Autres industries | 0 | 0 | 0.0007080031942683907 | 0.0003048898185589446 | 0.055865915681839934 | 0.012708578970488044 | 0 | 0 | 0.01811300119534919 300 | Production et distribution de l'électricité | 0.05211079916553011 | 0 | 0.02220735977539587 | 0.010155074382697018 | 5.363697969026537e-05 | 0.0003926429663704163 | 0 | 0 | 0.014701276755305779 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0010325221839791376 | 0.014182260718318001 | 0 | 0 | 0.0014842453408436614 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030791662700015827 | 0.004656237290365308 | 0.0004984288308193276 | 0.0006429292601297972 | 0 | 0 | 0.0046156497064497376 600 | Entrep/ batiment et corps/ métiers corresp. | 0.033722845702518336 | 0.07357447187958259 | 0.12176798046857011 | 0.09649662396007197 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | 0.05930750592378839 700 | Commerce de gros(1) | 0.10564250985249839 | 0.24530042064234614 | 0.21503892663955596 | 0.18310260781684612 | 0.2905694578912227 | 0.2197189541191813 | 0 | 0.24620888540461394 | 0.2021812687757964 800 | Commerce de détail(2) | 0.02752076740180855 | 0.3286917567209629 | 0.050223732574354425 | 0.1705108799362768 | 0.17049739771811884 | 0.08623728720578501 | 0 | 0.09275998622587692 | 0.12096215531604997 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004964109123037402 | 0 | 0.00010615772611883938 | 0.00010095705620891751 | 0.00024335298361943686 | 0.001351540500432214 | 0 | 0 | 0.0011304487382577742 1000 | Hotels,motels et pensions | 0.07922741232695123 | 0 | 0.004188664729569244 | 0.008298485890287423 | 0.025760150504488655 | 0.02195378075162045 | 0.03570568587500574 | 0 | 0.02807352559080285 1100 | Transport | 0.03140748238378113 | 0.10199962379918183 | 0.019086165312085936 | 0.006856688380819658 | 0.015014340030023674 | 0.0024963121652763084 | 0 | 0 | 0.015209592318650003 1200 | Immobilier résidentiel | 0.08425446269196378 | 0.17010919682887876 | 0.11287214473219292 | 0.013266250121694247 | 0.06847853697536106 | 0.10717894459151861 | 0.7333299554970543 | 0 | 0.08601740159232171 1300 | Immobilier commercial | 0.12015711667279028 | 0.040075908967350034 | 0.10278529637140513 | 0.15325143540067615 | 0.03968746780686745 | 0.010002028964578635 | 0.2172402504310557 | 0 | 0.0969407917960092 1400 | Télécommunications | 0.052988375430983614 | 0 | 0.0008765455826795828 | 0.0014243013019780324 | 0.013576795662811801 | 0.0024412921317721733 | 0 | 0 | 0.01447335782403676 1500 | Services financiers | 0.013240604491543064 | 0 | 0.015743879537718847 | 0.0164297450989612 | 0.04852846022702653 | 0.1713300447703337 | 0 | 0 | 0.03757606877010976 1510 | Services professionnels | 0.016535998250014693 | 0.005897660776733417 | 0.013447201234957094 | 0.003193374991971433 | 0.004417848364295969 | 0.049637509141433354 | 0 | 0.15358889898345057 | 0.011023317095125386 1520 | Services médicaux | 0.00037024199787876616 | 0 | 0.0013535840068867116 | 9.370221358106458e-05 | 0.001143783715788957 | 0.0031591341524756797 | 0 | 0 | 0.0008364665243624355 1530 | Services d'agence ou de représentation | 3.71921035266384e-05 | 0.0006212933522017076 | 0.0011906377444725446 | 0.0004371713704945288 | 0.0006632714950237173 | 1.3311298428419702e-05 | 0 | 0 | 0.0004587401034747652 1540 | Services d'enseignement | 0.013229866912219855 | 0 | 0.0015102157389094077 | 0.0010261577512048555 | 0.0014906186936535118 | 0.00020668816105218958 | 0 | 0 | 0.003328231925103484 1550 | Autres services | 0.12313371444594702 | 0.013157610011468802 | 0.008630842502495075 | 0.01320614315895964 | 0.022340797801628433 | 0.07476690101274779 | 0 | 0 | 0.04018476244556296 1560 | Crédit à la consommation | 0.14789328805151514 | 0.01859039218859697 | 0.05350406942121767 | 0.09572583822256374 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681864 | 0 | 0.07452900570188979 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 (1) Commerce de gros Import-export | 0.026302879667730417 | 0.031358276660224844 | 0.046582484026997543 | 0.027005886010090383 | 0.06862616831582752 | 0 | 0 | 0 | 0.03827365951028774 Produits pétroliers | 0.01248965478126939 | 0 | 0.04570562884274167 | 0.05070206804942493 | 0.019195946869320347 | 0 | 0 | 0 | 0.02730602197477143 Produits pharmaceutiques | 0 | 0 | 0.0015249728546867394 | 0.001208976067343011 | 0.0014392120436432694 | 0 | 0 | 0 | 0.000937078842678685 Produits alimentaires | 0.016626184484863207 | 0.006517477454345007 | 0.06914677153913786 | 0.05587312768166432 | 0.07145799942108906 | 0 | 0 | 0 | 0.04775760757353774 Matériaux de construction | 0 | 0.1251590199623189 | 0.029921333774222906 | 0.0031373519912206993 | 0.08549800739866188 | 0 | 0 | 0 | 0.030797330332435088 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.05022379084198238 | 0.08226564656545736 | 0.02215773560176923 | 0.04517519801710272 | 0.04435212384268055 | 0 | 0 | 0 | 0.038541603784596125 S-Total | 0.10564250977584538 | 0.24530042064234614 | 0.21503892663955596 | 0.18310260781684606 | 0.2905694578912226 | 0 | - | 0 | 0.18361330201830678 (2) Commerce de détail Produits pétroliers | 0.005128149027265097 | 0.0038738763239346036 | 0.005304717505667037 | 0.001645351784523515 | 0.004225164321556085 | 0 | 0 | 0 | 0.0032500083272431917 Produits pharmaceutiques | 0 | 0 | 6.403517028936596e-05 | 6.550066261545066e-05 | 0.00013311261582125235 | 0 | 0 | 0 | 6.560402053646819e-05 Véhicules automobiles | 0.0010235671559008456 | 0 | 0.0017129323391672853 | 0.02900736618283944 | 0.06395635772660233 | 0 | 0 | 0 | 0.02810300184068043 Produits alimentaires | 0.0034349557565699065 | 0 | 0.03171377416352222 | 0.012664783217069193 | 0.04389930997636211 | 0 | 0 | 0 | 0.0207306255067413 Librairie ,papeterie | 1.4219332708767242e-05 | 0 | 0 | 0.0009467676723877689 | 0.0026991327892570234 | 0 | 0 | 0 | 0.0010932694233866673 Appareils électro- ménagers électroni.équip. inform. | 0.0010666613700602624 | 0 | 0.0037758707172342223 | 0.004817680967911655 | 0.016792126559469805 | 0 | 0 | 0 | 0.007045420144985734 Matériaux de construction | 0 | 0 | 0.0019228940604355802 | 0.0033052463534349614 | 0.011773183839715453 | 0 | 0 | 0 | 0.004710172572863847 Autres | 0.016853214923532173 | 0.3248178803970283 | 0.0057295086180387264 | 0.11805818309549518 | 0.027019009889334793 | 0 | 0 | 0 | 0.048682837139625026 S-Total | 0.027520767566037052 | 0.3286917567209629 | 0.05022373257435444 | 0.17051087993627717 | 0.17049739771811884 | 0 | - | 0 | 0.11368093897606267 [Secteur d'activitésept. 21 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3643469.17 | 716357.82894 | 3960366.6867929343 | 15350194.393599492 | 20929651.16951 | 3792476 | 0 | 85414.7308 | 0 | 48477929.97964243 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6860452.4 | 24556.88653 | 689334.927353312 | 1857308.6466746225 | 4747676.54499 | 3996538.76 | 179598.65541773205 | 38701.94451023381 | 0 | 18394168.765475903 Industries Manufacturières ( 200 à 290 ) | 2559975.1600000006 | 2473.17154 | 3236656.7834506314 | 9596419.195163121 | 10296707.221719999 | 2085963.91 | 9677.551660000001 | 89165.3762 | 0 | 27877038.369733755 Prêts aux Particuliers ( 1560 ) | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592887.94 | 262316.72138 | 3219761.680881584 | 7228454.036021367 | 4910083.47477 | 1452515 | 4781342.9900908675 | 0 | 0 | 27447361.84314382 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2309147.9299999997 | 127298.30116 | 298042.911278942 | 359473.84872118395 | 1297864.91766 | 61204 | 0 | 0 | 0 | 4453031.908820125 Bâtiments et Travaux Publics ( 600 ) | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861 Électricité, Gaz et Eau ( 300 à 500 ) | 1425799.17 | 0 | 791274.443475094 | 642952.040235598 | 71930.72667999999 | 188632.42 | 0 | 0 | 0 | 3120588.800390692 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022 Total | 27360915.450000003 | 1248027.16342 | 14929981.847159484 | 43409527.42254083 | 45393961.66712 | 12395485 | 5029973.546690851 | 251983.9960204676 | 0 | 150019856.09295166 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1331632772543069 | 0.5739921773633089 | 0.26526265921391035 | 0.35361348775312285 | 0.46106685560934146 | 0.3059562413249663 | 0 | 0.3389688716304909 | #DIV/0! | 0.3231434240918463 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25073913965111866 | 0.01967656414040392 | 0.04617118322112776 | 0.04278573753166906 | 0.10458828378552522 | 0.3224189097885238 | 0.035705685875005735 | 0.15358889898345057 | #DIV/0! | 0.12261156119279941 Industries Manufacturières ( 200 à 290 ) | 0.09356321299549208 | 0.001981664832696995 | 0.21678906354909092 | 0.22106711970746049 | 0.2268298875790382 | 0.16828417040559526 | 0.0019239766512026144 | 0.3538533304026081 | #DIV/0! | 0.18582232442924929 Prêts aux Particuliers ( 1560 ) | 0.1478932880515151 | 0.018590392188596965 | 0.053504069421217666 | 0.09572583822256372 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681861 | 0 | #DIV/0! | 0.07452900570188978 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20441157936475404 | 0.21018510579622876 | 0.21565744110359802 | 0.16651768552237037 | 0.10816600478222851 | 0.11718097355609725 | 0.9505702059281098 | 0 | #DIV/0! | 0.18295819338833091 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08439585781476473 | 0.1019996237991818 | 0.019962710894765517 | 0.008280989682797689 | 0.028591135692835477 | 0.004937604297048482 | 0 | 0 | #DIV/0! | 0.02968295014268675 Bâtiments et Travaux Publics ( 600 ) | 0.03372284570251833 | 0.07357447187958258 | 0.1217679804685701 | 0.09649662396007196 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | #DIV/0! | 0.05930750592378838 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0521107991655301 | 0 | 0.05299902247541169 | 0.014811311673062324 | 0.0015845879944887304 | 0.015217832944818216 | 0 | 0 | #DIV/0! | 0.020801171802599175 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007885869652307845 | 0.0007012059468814729 | 0.0005160885122077589 | 0 | 0 | 0 | #DIV/0! | 0.0011438633268098725 Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1 | 1.0000000000000002 | #DIV/0! | 1 [Secteur d' activitéjuin 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2021 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 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002 200 | Industrie alimentaire | 1370957.4000000001 | 755.6581600000001 | 1153519.3873345922 | 1385122.9727735436 | 3138962.7466800003 | 727752 | 9618.8578 | 112244.01929999999 | 0 | 7898933.042048136 210 | Industrie des boissons | 772501.77 | 0 | 1295062.032453448 | 2904171.95801336 | 2710609.3815 | 225659 | 0 | 0 | 0 | 7908004.141966809 220 | Industrie du bois | 49820.77 | 0 | 827.2039714239999 | 13487.720436783999 | 0 | 3 | 0 | 0 | 0 | 64138.694408208 230 | Industrie chimique | 94.59 | 0 | 11816.21036 | 449113.75865649624 | 30382.050199999998 | 61482 | 0 | 81333.3335 | 0 | 634221.9427164962 240 | Industrie du textile | 0 | 0 | 465473.91026237595 | 1868702.8383712717 | 5157.02207 | 218957 | 0 | 0 | 0 | 2558290.7707036478 250 | Industrie pharmacie | 0 | 0 | 19037.80458 | 74999.99998000001 | 80459.37589 | 84165 | 0 | 0 | 0 | 258662.18044999999 260 | Imprimerie, édition | 6289.68 | 0 | 372.14283792000003 | 99978.38544554399 | 152384.72842 | 49818 | 0 | 0 | 0 | 308842.936703464 270 | Sidérurgie, aciérie | 23169.09 | 0 | 21240.531607407996 | 185774.138592536 | 0 | 598547 | 0 | 0 | 0 | 828730.760199944 280 | Industrie de la fabrication | 1433.51 | 1840.81045 | 232493.583504016 | 2360337.8206758006 | 425790.8518 | 119800 | 0 | 0 | 0 | 3141696.5764298164 290 | Autres industries | 0 | 0 | 25387.112151295998 | 97267.139351152 | 1081678.23975 | 188691 | 0 | 0 | 0 | 1393023.491252448 300 | Production et distribution de l'électricité | 1333322.96 | 0 | 331560.424216288 | 665071.145341216 | 2266.66 | 4235 | 0 | 0 | 0 | 2336456.1895575044 400 | Production et distribution de gaz | 0 | 0 | 4927.2576500000005 | 401584.0434978 | 50557.25931 | 168851 | 0 | 0 | 0 | 625919.5604578 500 | Traitement et distribution de l'eau | 0 | 0 | 442186.8260399999 | 265784.885061144 | 26020.840600000003 | 0 | 0 | 0 | 0 | 733992.5517011438 600 | Entrep/ batiment et corps/ métiers corresp. | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176 700 | Commerce de gros(1) | 3142863.11 | 296186.21075 | 2966466.3459586636 | 8898024.357695095 | 10709785.642649999 | 2950941 | 0 | 120908.2998 | 0 | 29085174.96685376 800 | Commerce de détail(2) | 1011782.69 | 397549.38430000003 | 686956.6828209119 | 7199227.084055676 | 6947644.443100001 | 1101552 | 0 | 88374.9664 | 0 | 17433087.25067659 900 | Rest/débits/boissons, casinos/activités/loterie | 127719.48000000001 | 0 | 1653.1287671839998 | 5052.02236248 | 11867.66142 | 12947 | 0 | 0 | 0 | 159239.292549664 1000 | Hotels,motels et pensions | 2136969.1300000004 | 0 | 115819.61035055203 | 367038.57918999996 | 1115109.78406 | 278988 | 159127.88071753603 | 0 | 0 | 4173052.9843180883 1100 | Transport | 836194.9 | 129045.9157 | 375975.98223968 | 324001.46816407196 | 672703.86273 | 29378 | 0 | 0 | 0 | 2367300.128833752 1200 | Immobilier résidentiel / Avance Hypothécaire | 2276406.6100000003 | 212248.15480000002 | 1683370.5063489918 | 537214.3505374956 | 3103062.76243 | 1256706 | 3619349.778547144 | 0 | 0 | 12688358.162663631 1300 | Immobilier commercial | 3282226.25 | 50617.27198 | 1469264.6255430402 | 6623698.60952116 | 1372789.96139 | 106387 | 1030148.2982725682 | 0 | 0 | 13935132.016706768 1400 | Télécommunications | 1624582.06 | 0 | 13965.767899032002 | 55528.327840000005 | 721517.32036 | 30609 | 0 | 0 | 0 | 2446202.476099032 1500 | Services financiers | 192755.85 | 0 | 229897.74587748002 | 666006.8674435599 | 1930023.96044 | 2039805 | 0 | 80389.809165184 | 0 | 5138879.232926224 1510 | Services professionnels | 419981.72 | 7354.93487 | 280904.89627196797 | 132447.02827877598 | 269849.08043000003 | 397365 | 0 | 0 | 0 | 1507902.659850744 1520 | Services médicaux | 10705.91 | 0 | 18479.549216439995 | 4844.15037 | 53207.81258 | 38452 | 0 | 0 | 0 | 125689.42216644 1530 | Services d'agence ou de représentation | 656.21 | 775.39098 | 17487.562778831998 | 18646.651872096 | 23924.493710000002 | 15 | 0 | 0 | 0 | 61505.309340928005 1540 | Services d'enseignement | 360815.84 | 0 | 24673.660309968 | 70572.461184912 | 45933.32884 | 4124 | 0 | 0 | 0 | 506119.29033488 1550 | Autres services | 5036669.38 | 9188.179699999999 | 135291.62949312798 | 135295.5313779382 | 950982.30344 | 560704 | 0 | 0 | 0 | 6828131.024011066 1560 | Crédit à la consommation | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998 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 | 28950968.67 | 1216523.4425599999 | 14806560.21631872 | 44728796.56014157 | 38506824.533599995 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095 (1) Commerce de gros Import-export | 724900.8099999999 | 39093.4371 | 881635.7112470559 | 1349254.3983187599 | 3341668.59598 | 0 | 6336552.952645816 Produits pétroliers | 523285.27 | 0 | 566893.5595917361 | 2975398.6541341525 | 421041.2426 | 0 | 4486618.726325888 Produits pharmaceutiques | 0 | 0 | 21009.32729608 | 48336.35817888801 | 71578.00529 | 0 | 140923.690764968 Produits alimentaires | 486110.31 | 8260.091059999999 | 595119.2690377359 | 2418924.1589362565 | 2572279.76311 | 0 | 6080693.592143992 Matériaux de construction | 0 | 146838.87795 | 564385.768929208 | 224664.198330104 | 2360053.2949800002 | 0 | 3295942.1401893124 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1408566.73 | 101993.80464 | 337422.709856848 | 1881446.589796936 | 1943164.7406900001 | 2950941 | 120908 | 0 | 8744443.574983783 S-Total | 3142863.12 | 296186.21074999997 | 2966466.345958664 | 8898024.357695097 | 10709785.64265 | 2950941 | 0 | 120908 | 0 | 29085174.677053757 (2) Commerce de détail Produits pétroliers | 122462.79 | 4910.8557599999995 | 82530.447316664 | 68332.800848392 | 189277.19313 | 467514.087055056 Produits pharmaceutiques | 0 | 0 | 943.47007 | 3407.56466 | 6252.94724 | 0 | 10603.98197 Véhicules automobiles | 28695.19 | 0 | 0.01095 | 1236396.2041953122 | 2954067.63934 | 0 | 4219159.044485312 Produits alimentaires | 88419.43 | 0 | 449006.6321533919 | 611998.1046365999 | 1566739.60467 | 0 | 2716163.771459992 Librairie ,papeterie | 493.53 | 0 | 0 | 42665.28283016 | 126421.95667 | 0 | 169580.76950016 Appareils électro- ménagers électroni.équip. inform. | 27471.440000000002 | 0 | 48836.999536031995 | 182782.420931936 | 664611.63874 | 0 | 923702.499207968 Matériaux de construction | 0 | 0 | 29147.254206576 | 146381.85246038402 | 331588.72647000005 | 0 | 507117.83313696005 Autres | 744240.3200000001 | 392638.52854 | 76491.86858824798 | 4907262.853492882 | 1108684.7368400001 | 1101552 | 88374.97 | 0 | 8419245.27746113 S-Total | 1011782.7000000001 | 397549.38430000003 | 686956.682820912 | 7199227.084055666 | 6947644.443100002 | 1101552 | 0 | 88374.97 | 0 | 17433087.26427658 [Secteur d'activitésjuin 21% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2021 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 | 0.007847061804586997 | 0.00044920272051120907 | 0.0009196703389317153 | 0 | 0 | 0 | 0.0011784610610427737 200 | Industrie alimentaire | 0.047354456965739936 | 0.0006211620208566021 | 0.07790596671219198 | 0.03096714151276418 | 0.08151705015148751 | 0.06051000879772784 | 0.0019695149116247894 | 0.19596334026750595 | 0.05421617419655166 210 | Industrie des boissons | 0.026683106144233894 | 0 | 0.08746542164642158 | 0.06492846178207501 | 0.0703929605811769 | 0.01876274895195955 | 0 | 0 | 0.05427843581223154 220 | Industrie du bois | 0.001720867117362674 | 0 | 5.586739656873954e-05 | 0.000301544451763835 | 0 | 2.4943940572225637e-07 | 0 | 0 | 0.00044023092869174975 230 | Industrie chimique | 3.267248190490339e-06 | 0 | 0.0007980388548973736 | 0.01004081918574817 | 0.0007890043016528008 | 0.005112011180871922 | 0 | 0.14199733586830884 | 0.004353130624421291 240 | Industrie du textile | 0 | 0 | 0.03143700518297047 | 0.04177851813783199 | 0.00013392488558749177 | 0.01820550131957603 | 0 | 0 | 0.017559426992425204 250 | Industrie pharmacie | 0 | 0 | 0.0012857682204282606 | 0.0016767721411676323 | 0.002089483536088346 | 0.006998022527537903 | 0 | 0 | 0.0017753883668446494 260 | Imprimerie, édition | 0.00021725283432459324 | 0 | 2.5133645659972473e-05 | 0.0022352129530494916 | 0.003957343412906803 | 0.004142190771423789 | 0 | 0 | 0.0021198157227761377 270 | Sidérurgie, aciérie | 0.0008002872119442627 | 0 | 0.0014345351855590484 | 0.004153345336325946 | 0 | 0.04976706932561313 | 0 | 0 | 0.005688187381493573 280 | Industrie de la fabrication | 4.951509624220114e-05 | 0.0015131730187839844 | 0.015702065848337846 | 0.05276998270011872 | 0.011057542577380449 | 0.009960946935175437 | 0 | 0 | 0.02156376917663596 290 | Autres industries | 0 | 0 | 0.001714585412168598 | 0.002174597727447647 | 0.02809055934503655 | 0.01568899030171276 | 0 | 0 | 0.009561342507854497 300 | Production et distribution de l'électricité | 0.04605451980546805 | 0 | 0.02239280557889915 | 0.014868970249333062 | 5.886385147189104e-05 | 0.0003521252944112519 | 0 | 0 | 0.016036813465988745 400 | Production et distribution de gaz | 0 | 0 | 0.00033277530891810605 | 0.008978199155388342 | 0.0013129428334420338 | 0.014039364365202903 | 0 | 0 | 0.004296145282174723 500 | Traitement et distribution de l'eau | 0 | 0 | 0.02986425068211681 | 0.005942142545770804 | 0.0006757462064236155 | 0 | 0 | 0 | 0.005037929531769053 600 | Entrep/ batiment et corps/ métiers corresp. | 0.030153169310172166 | 0.07241743414710643 | 0.12421647748909259 | 0.10736602313061938 | 0.026735970739463898 | 0.03540226968241125 | 0 | 0.1563081161959789 | 0.06278574696514053 700 | Commerce de gros(1) | 0.10855813309130287 | 0.2434693820011544 | 0.20034810939337816 | 0.1989327914452374 | 0.27812694950488415 | 0.2453603231204803 | 0 | 0.21109003796047263 | 0.19963290031019834 800 | Commerce de détail(2) | 0.034948146348154636 | 0.32679138797639123 | 0.046395426944861776 | 0.16095284554270803 | 0.18042631474422613 | 0.09159015875072099 | 0 | 0.1542911036131491 | 0.1196560712864701 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004411578812986225 | 0 | 0.00011164840064352293 | 0.00011294787141628409 | 0.0003081963149063254 | 0.0010764973286286844 | 0 | 0 | 0.0010929761244779044 1000 | Hotels,motels et pensions | 0.07381338960911529 | 0 | 0.007822182104315088 | 0.008205867526448788 | 0.028958757248003814 | 0.023196866974546954 | 0.0325823232284854 | 0 | 0.02864272507753339 1100 | Transport | 0.028883140648295273 | 0.10607762348454321 | 0.025392527146535122 | 0.007243688475464014 | 0.017469730908167128 | 0.0024426769537694826 | 0 | 0 | 0.01624851805644509 1200 | Immobilier résidentiel | 0.07862972171839251 | 0.17447107665541906 | 0.11369085606349695 | 0.012010480760759265 | 0.0805847482885106 | 0.10449066593586463 | 0.74108210220495 | 0 | 0.08708951357775258 1300 | Immobilier commercial | 0.11337189741085095 | 0.04160813528877271 | 0.0992306520945846 | 0.1480857773719677 | 0.03565056267343315 | 0.00884570335219123 | 0.2109286234206232 | 0 | 0.09564703749834803 1400 | Télécommunications | 0.05611494656769286 | 0 | 0.0009432148787427308 | 0.0012414447092341859 | 0.018737388218818818 | 0.0025450302565841816 | 0 | 0 | 0.016790082769182806 1500 | Services financiers | 0.0066580103829044 | 0 | 0.015526749124628106 | 0.014889890152713109 | 0.05012160789202221 | 0.16960258232976239 | 0 | 0.14035006609458453 | 0.03527189940517945 1510 | Services professionnels | 0.014506655193033303 | 0.006045863657606622 | 0.01897165122540581 | 0.0029611131634335384 | 0.007007824812833817 | 0.03303949648494147 | 0 | 0 | 0.010349842547432665 1520 | Services médicaux | 0.00036979453509940186 | 0 | 0.0012480649756905168 | 0.00010830048520278517 | 0.0013817761714828582 | 0.003197148009610734 | 0 | 0 | 0.0008626987430536198 1530 | Services d'agence ou de représentation | 2.266625367461323e-05 | 0.0006373826864925023 | 0.0011810685617283663 | 0.0004168824852469266 | 0.0006213052880827436 | 1.2471970286112818e-06 | 0 | 0 | 0.0004221560744330497 1540 | Services d'enseignement | 0.012462997149172764 | 0 | 0.0016664005649856795 | 0.0015777858250673362 | 0.0011928620289091833 | 0.00034289603639952844 | 0 | 0 | 0.0034738681114223 1550 | Autres services | 0.1739723957913426 | 0.007552817626485509 | 0.00913727614763754 | 0.003024797038659919 | 0.024696461340513787 | 0.046620557515364015 | 0 | 0 | 0.04686647412555781 1560 | Crédit à la consommation | 0.140240084754304 | 0.01879456143638788 | 0.055856413404548 | 0.09160445341652497 | 0.04698445180415546 | 0.0287066508610773 | 0.013437436234316626 | 0 | 0.07706223827647085 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 0.9999999999999996 | 0.9999999999999997 | 1.0000000000000002 | 0.9999999999999997 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.025038913836108265 | 0.032135375063330834 | 0.059543587326608166 | 0.030165229160694623 | 0.08678120401915126 | 0 | 0 | 0 | 0.04349241307117612 Produits pétroliers | 0.018074879495906 | 0 | 0.03828664803368354 | 0.06652087431266974 | 0.010934197968794104 | 0 | 0 | 0 | 0.03079495687900183 Produits pharmaceutiques | 0 | 0 | 0.0014189201940991696 | 0.0010806541176196362 | 0.0018588394695476123 | 0 | 0 | 0 | 0.0009672627083003349 Produits alimentaires | 0.01679081330718044 | 0.0067899152379816185 | 0.040192945582447875 | 0.05407979523177675 | 0.06680062026058523 | 0 | 0 | 0 | 0.04173626251451963 Matériaux de construction | 0 | 0.12070369777749497 | 0.038117277793338046 | 0.005022808919708456 | 0.0612892214189379 | 0 | 0 | 0 | 0.02262246967571777 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.048653526797519754 | 0.08384039392234695 | 0.02278873046320138 | 0.04206342970276822 | 0.050462866367868064 | 0.2453603231204803 | 0 | 0.2110895145489824 | 0.060019533472372565 S-Total | 0.10855813343671444 | 0.24346938200115437 | 0.20034810939337816 | 0.19893279144523746 | 0.27812694950488415 | 0.2453603231204803 | - | 0.2110895145489824 | 0.19963289832108827 (2) Commerce de détail Produits pétroliers | 0.004230006650067643 | 0.004036795007966147 | 0.005573910895638334 | 0.0015277138242812522 | 0.004915419420389804 | 0 | 0 | 0 | 0.0032088922704105473 Produits pharmaceutiques | 0 | 0 | 6.371973343006267e-05 | 7.61827932351868e-05 | 0.00016238542948520334 | 0 | 0 | 0 | 7.278291012244659e-05 Véhicules automobiles | 0.0009911651083970448 | 0 | 7.395370592510543e-10 | 0.02764206281590597 | 0.07671543096892765 | 0 | 0 | 0 | 0.02895918480395927 Produits alimentaires | 0.0030541095535647233 | 0 | 0.030324844230770715 | 0.013682418301009233 | 0.040687322926431034 | 0 | 0 | 0 | 0.018643025253655552 Librairie ,papeterie | 1.7047097996116892e-05 | 0 | 0 | 0.000953866102183031 | 0.003283105220989793 | 0 | 0 | 0 | 0.0011639572700089642 Appareils électro- ménagers électroni.équip. inform. | 0.0009488953655794896 | 0 | 0.0032983352529244022 | 0.004086459618607666 | 0.017259580523449242 | 0 | 0 | 0 | 0.006340048122482127 Matériaux de construction | 0 | 0 | 0.0019685364987373642 | 0.0032726534965804746 | 0.008611167773147974 | 0 | 0 | 0 | 0.003480721843465868 Autres | 0.02570692291796121 | 0.32275459296842507 | 0.005166079593823836 | 0.10971148859090499 | 0.028791902481405403 | 0.09159015875072099 | 0 | 0.15429110989827707 | 0.057787458905712026 S-Total | 0.03494814669356623 | 0.32679138797639123 | 0.04639542694486177 | 0.1609528455427078 | 0.1804263147442261 | 0.09159015875072099 | - | 0.15429110989827707 | 0.11965607137981679 [Secteur d'activitéjuin 21 g] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 4154645.8 | 693735.5950500001 | 3653423.0287795756 | 16097251.441750772 | 17657430.08575 | 4052493 | 0 | 209283.2662 | 0 | 46518262.21753035 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 8286273.5200000005 | 17318.505549999998 | 824207.7830655519 | 1399903.2920797616 | 4400898.42492 | 3332400 | 159127.88071753603 | 80389.809165184 | 0 | 18500519.21549803 Industries Manufacturières ( 200 à 290 ) | 2224266.8099999996 | 2596.46861 | 3225229.919062481 | 9438956.73229649 | 7625424.396310001 | 2274874 | 9618.8578 | 193577.3528 | 0 | 24994544.53687897 Prêts aux Particuliers ( 1560 ) | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5558632.86 | 262865.42678000004 | 3152635.131892032 | 7160912.960058656 | 4475852.72382 | 1363093 | 4649498.076819712 | 0 | 0 | 26623490.179370403 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2460776.96 | 129045.9157 | 389941.750138712 | 379529.79600407195 | 1394221.18309 | 59987 | 0 | 0 | 0 | 4813502.604932783 Bâtiments et Travaux Publics ( 600 ) | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176 Électricité, Gaz et Eau ( 300 à 500 ) | 1333322.96 | 0 | 778674.5079062879 | 1332440.07390016 | 78844.75991 | 173086 | 0 | 0 | 0 | 3696368.301716448 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002 Total | 28950968.67 | 1216523.44256 | 14806560.216318712 | 44728796.560141556 | 38506824.5336 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1435062794394575 | 0.5702607699775456 | 0.24674353633824006 | 0.35988563698794557 | 0.45855326424911014 | 0.3369504818712013 | 0 | 0.3653811415736217 | #DIV/0! | 0.3192889715966684 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2862174877273286 | 0.01423606397058463 | 0.05566504110503465 | 0.031297584548188685 | 0.11428879109675472 | 0.2770772918762824 | 0.0325823232284854 | 0.14035006609458453 | #DIV/0! | 0.12698264020909017 Industries Manufacturières ( 200 à 290 ) | 0.07682875261803802 | 0.0021343350396405857 | 0.21782438810520402 | 0.21102639592829273 | 0.1980278687913168 | 0.18914773955100408 | 0.0019695149116247894 | 0.3379606761358148 | #DIV/0! | 0.17155590170992627 Prêts aux Particuliers ( 1560 ) | 0.140240084754304 | 0.018794561436387875 | 0.05585641340454803 | 0.091604453416525 | 0.04698445180415545 | 0.0287066508610773 | 0.013437436234316626 | 0 | #DIV/0! | 0.07706223827647085 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19200161912924346 | 0.21607921194419175 | 0.21292150815808167 | 0.16009625813272704 | 0.11623531096194373 | 0.11333636928805586 | 0.9520107256255732 | 0 | #DIV/0! | 0.18273655107610065 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08499808721598813 | 0.1060776234845432 | 0.026335742025277865 | 0.008485133184698204 | 0.03620711912698594 | 0.004987707210353664 | 0 | 0 | #DIV/0! | 0.03303860082562789 Bâtiments et Travaux Publics ( 600 ) | 0.030153169310172166 | 0.07241743414710641 | 0.12421647748909265 | 0.10736602313061941 | 0.026735970739463894 | 0.03540226968241125 | 0 | 0.1563081161959789 | #DIV/0! | 0.06278574696514053 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04605451980546805 | 0 | 0.05258983156993409 | 0.029789311950492215 | 0.0020475528913375396 | 0.014391489659614155 | 0 | 0 | #DIV/0! | 0.02537088827993252 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007847061804587002 | 0.00044920272051120923 | 0.0009196703389317151 | 0 | 0 | 0 | #DIV/0! | 0.0011784610610427737 Total | 1 | 1 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activitémars 21 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2021 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 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301 200 | Industrie alimentaire | 1510798 | 1209.3326299999999 | 618193.65725 | 1016779.121 | 2233613.65 | 621927.486 | 10484.3 | 104393.55690000001 | 0 | 6117399.1037800005 210 | Industrie des boissons | 775076 | 0 | 1230498.37503 | 2456764.438 | 2772794.04 | 110000 | 0 | 0 | 0 | 7345132.85303 220 | Industrie du bois | 43669 | 0 | 1100.3458 | 256.09 | 0 | 98.961 | 0 | 0 | 0 | 45124.3968 230 | Industrie chimique | 182 | 0 | 11123.115880000001 | 258201.184 | 17885.9 | 59724.31 | 0 | 81333.3335 | 0 | 428449.84338000003 240 | Industrie du textile | 49 | 0 | 492923.18179 | 1615190.999 | 5683.62 | 188818.555 | 0 | 0 | 0 | 2302665.3557900004 250 | Industrie pharmacie | 0 | 0 | 21322.2604 | 87500 | 84678.12 | 86736.836 | 0 | 0 | 0 | 280237.2164 260 | Imprimerie, édition | 72122 | 0 | 583.93486 | 56519.577 | 199022.66 | 44296.739 | 0 | 0 | 0 | 372544.91086 270 | Sidérurgie, aciérie | 0 | 0 | 21499.51761 | 92481.758 | 0 | 451863.67 | 0 | 0 | 0 | 565844.9456099999 280 | Industrie de la fabrication | 27617 | 2130.87401 | 205025.53809000002 | 2137995.596 | 420306.28 | 163377.338 | 0 | 0 | 0 | 2956452.6260999995 290 | Autres industries | 0 | 0 | 26564.60941 | 86634.592 | 991639.78 | 167759.306 | 0 | 0 | 0 | 1272598.28741 300 | Production et distribution de l'électricité | 1288751 | 0 | 331550.49761 | 453797.994 | 2396.27 | 3351.371 | 0 | 0 | 0 | 2079847.13261 400 | Production et distribution de gaz | 0 | 0 | 0 | 387428.64 | 48580.8 | 150933.577 | 0 | 0 | 0 | 586943.017 500 | Traitement et distribution de l'eau | 0 | 0 | 335276.46198 | 276613.909 | 30907.93 | 21018.169 | 0 | 0 | 0 | 663816.46998 600 | Entrep/ batiment et corps/ métiers corresp. | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893 700 | Commerce de gros(1) | 3176726 | 292267.14043 | 3444624.66863 | 7116211.612 | 10116814.91 | 2694107.881 | 0 | 109972.9215 | 0 | 26950725.13356 800 | Commerce de détail(2) | 771113 | 366569.29608999996 | 809549.91107 | 7347106.597 | 6626856.64 | 1031502.795 | 0 | 77439.5881 | 0 | 17030137.827260002 900 | Rest/débits/boissons, casinos/activités/loterie | 114679 | 34.29018 | 1754.6386499999999 | 2419.045 | 13595.51 | 13331.872 | 0 | 0 | 0 | 145814.35583 1000 | Hotels,motels et pensions | 2098897 | 0 | 121506.70877 | 766837.96 | 1002626.54 | 272598.143 | 174336.87 | 0 | 0 | 4436803.22177 1100 | Transport | 752592 | 125752.9157 | 246427.75453 | 318825.008 | 658619.45 | 33936.445 | 0 | 0 | 0 | 2136153.5732299997 1200 | Immobilier résidentiel / Avance Hypothécaire | 2228894 | 211372.60684999998 | 1705633.46831 | 409363.109 | 2955774 | 1069767.664 | 3351204.63 | 0 | 0 | 11932009.478160001 1300 | Immobilier commercial | 3228871 | 50875.24243 | 1464922.58366 | 6037398.77 | 754821.92 | 96773.19 | 963368.19 | 0 | 0 | 12597030.896089999 1400 | Télécommunications | 1676352 | 0 | 12434.505060000001 | 54153.311 | 969543.22 | 33119.844 | 0 | 0 | 0 | 2745602.88006 1500 | Services financiers | 238769 | 0 | 184933.94846 | 1232844.258 | 1217224.54 | 1856072.051 | 0 | 70442.501567836 | 0 | 4800286.299027836 1510 | Services professionnels | 414421 | 7430.01382 | 279235.86714 | 124175.093 | 287471.74 | 350300.568 | 0 | 0 | 0 | 1463034.2819599998 1520 | Services médicaux | 11261 | 0 | 16966.27015 | 2972.924 | 52142.71 | 40025.314 | 0 | 0 | 0 | 123368.21815 1530 | Services d'agence ou de représentation | 693 | 775.39098 | 15713.921 | 19457.93 | 26722.22 | 18.297 | 0 | 0 | 0 | 63380.75898 1540 | Services d'enseignement | 250796 | 0 | 24174.40008 | 31471.466 | 52943.64 | 4490.416 | 0 | 0 | 0 | 363875.92208000005 1550 | Autres services | 38745 | 10822.81462 | 156246.03522 | 116961.022 | 967411.64 | 230655.038 | 0 | 0 | 0 | 1520841.54984 1560 | Crédit à la consommation | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545 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 | 23136284 | 1172973.7336900001 | 14397797.893600002 | 41315370.357 | 36008900.14 | 10535035.493999999 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784 (1) Commerce de gros Import-export | 986137 | 38963.200020000004 | 706101.7231515918 | 1151521.7583575977 | 3103490.21533 | 123749 | 0 | 0 | 6109962.8968591895 Produits pétroliers | 411844 | 0 | 587596.313201802 | 2287565.696973398 | 360489.42593 | 1064775 | 55511.41484375 | 0 | 4767781.850948949 Produits pharmaceutiques | 0 | 0 | 15520.307319846 | 70637.383292638 | 64319.871060000005 | 19340 | 0 | 0 | 169817.561672484 Produits alimentaires | 375368 | 8451.23978 | 814990.3886864199 | 2209877.50389342 | 2438804.17471 | 986131 | 0 | 0 | 6833622.30706984 Matériaux de construction | 0 | 118176.59714 | 993801.2305241239 | 174467.38806790806 | 2669203.5531 | 478895 | 0 | 0 | 4434543.768832032 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1403377 | 95511.45143 | 326614.70574327005 | 1222141.881319074 | 1587217.3447999998 | 21218 | 49252.06540000001 | 0 | 4705332.448692343 S-Total | 3176726 | 261102.48837000004 | 3444624.6686270535 | 7116211.611904035 | 10223524.584929999 | 2694108 | 0 | 104763.48024375 | 0 | 27021060.83407484 (2) Commerce de détail Produits pétroliers | 118068 | 4910.8557599999995 | 85062.095658758 | 77422.53788 | 146225.02070999998 | 28559 | 55511.41484375 | 515758.92485250806 Produits pharmaceutiques | 117 | 0 | 979.76002 | 3714.44875 | 5875.84446 | 31820 | 0 | 0 | 42507.053230000005 Véhicules automobiles | 29358 | 0 | 172.47200999999998 | 1257052.3683556258 | 2945194.97269 | 497684 | 0 | 0 | 4729461.813055626 Produits alimentaires | 78920 | 0 | 558098.9711901239 | 614561.1605667201 | 1408287.51306 | 157126 | 16718.732 | 0 | 2833712.3768168436 Librairie ,papeterie | 717 | 0 | 0 | 38463.815264642 | 123131.28108 | 0 | 0 | 0 | 162312.096344642 Appareils électro- ménagers électroni.équip. inform. | 21525 | 0 | 48837.541079899995 | 167068.41567397598 | 620604.92204 | 256310 | 0 | 0 | 1114345.878793876 Matériaux de construction | 2924 | 0 | 29576.73794 | 149826.32027495 | 425206.10258999997 | 9 | 0 | 0 | 607542.1608049499 Autres | 519484 | 343193.54843 | 86822.33317371599 | 5038997.530271046 | 953616.9929099999 | 59995 | 0 | 0 | 7002109.404784761 S-Total | 771113 | 348104.40419000003 | 809549.911072498 | 7347106.59703696 | 6628142.64954 | 1031503 | 0 | 72230.14684375 | 0 | 17007749.708683208 [Secteur d'activitésmars 21 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2021 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 | 0.007893054885880537 | 0.0006134507274410974 | 0.024666653981284304 | 0 | 0 | 0 | 0.007801572398034099 200 | Industrie alimentaire | 0.06529994185756019 | 0.001030997195645311 | 0.0429366811382173 | 0.024610190159598283 | 0.062029488301944005 | 0.059034208888447064 | 0.002295593334866721 | 0.195819120292302 | 0.046461277081087514 210 | Industrie des boissons | 0.03350045322749323 | 0 | 0.08546434559808425 | 0.05946369152137478 | 0.0770030195096095 | 0.010441350678186904 | 0 | 0 | 0.05578584082754306 220 | Industrie du bois | 0.0018874681863345038 | 0 | 7.642458993601495e-05 | 6.198419566063772e-06 | 0 | 9.393513676945948e-06 | 0 | 0 | 0.00034271707097649853 230 | Industrie chimique | 7.866431791725932e-06 | 0 | 0.0007725567452884141 | 0.006249518805445087 | 0.000496707756428575 | 0.005669113315661317 | 0 | 0.1525632643369623 | 0.003254050708629819 240 | Industrie du textile | 2.1178854823877507e-06 | 0 | 0.03423601202299904 | 0.03909419146054782 | 0.00015783931133421173 | 0.017922915884577464 | 0 | 0 | 0.017488604438816693 250 | Industrie pharmacie | 0 | 0 | 0.0014809389989755312 | 0.0021178558789120235 | 0.0023515886258890883 | 0.00823317928538533 | 0 | 0 | 0.0021283847495821855 260 | Imprimerie, édition | 0.0031172680971585584 | 0 | 4.055723412116836e-05 | 0.001368003639120809 | 0.005527040793420913 | 0.004204707143628348 | 0 | 0 | 0.002829456119336756 270 | Sidérurgie, aciérie | 0 | 0 | 0.0014932504101586811 | 0.0022384346842562177 | 0 | 0.04289151852002294 | 0 | 0 | 0.0042975582199098845 280 | Industrie de la fabrication | 0.0011936661911653573 | 0.0018166425630833085 | 0.014240062237652078 | 0.051748189052304175 | 0.011672288749889044 | 0.01550800071751519 | 0 | 0 | 0.022454079308551974 290 | Autres industries | 0 | 0 | 0.0018450466943843056 | 0.0020969094855353664 | 0.027538741148565388 | 0.015923943122502403 | 0 | 0 | 0.009665307206740623 300 | Production et distribution de l'électricité | 0.05570259251658564 | 0 | 0.023027861625796144 | 0.010983757136358666 | 6.65466034975652e-05 | 0.0003181167260336902 | 0 | 0 | 0.01579631347818855 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009377348832947314 | 0.0013491331257306212 | 0.014326821877910229 | 0 | 0 | 0.004457796799099798 500 | Traitement et distribution de l'eau | 0 | 0 | 0.023286648726263515 | 0.006695181638451262 | 0.0008583414067031262 | 0.001995073392203609 | 0 | 0 | 0.005041646036086279 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03300305269420102 | 0.06963236406245565 | 0.11463502604961998 | 0.11391905918622769 | 0.021229390151542685 | 0.03841429440180679 | 0 | 0.16793890042652498 | 0.06426092277522277 700 | Commerce de gros(1) | 0.13730493626374918 | 0.24916767702084108 | 0.23924663299803495 | 0.17224126397778522 | 0.2809531774274292 | 0.25572841045807304 | 0 | 0.20628476874998003 | 0.2046891312343567 800 | Commerce de détail(2) | 0.03332916383633604 | 0.3125127916861597 | 0.056227342337528914 | 0.17782986170799728 | 0.18403385313728718 | 0.09791165825568125 | 0 | 0.1452594630151951 | 0.12934286923220698 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004956673249688671 | 2.9233544635418405e-05 | 0.0001218685428818221 | 5.855072770974556e-05 | 0.0003775597129360142 | 0.0012654795522609181 | 0 | 0 | 0.0011074512343704618 1000 | Hotels,motels et pensions | 0.09071884663933068 | 0 | 0.008439256452128088 | 0.018560597505816036 | 0.027843853494604404 | 0.02587538913895946 | 0.038171986379016816 | 0 | 0.03369725276115173 1100 | Transport | 0.03252864634614617 | 0.10720863740435185 | 0.01711565590454219 | 0.007716861914708262 | 0.018290462842223316 | 0.0032212938456000237 | 0 | 0 | 0.01622395749727488 1200 | Immobilier résidentiel | 0.09633759682410538 | 0.18020233597648716 | 0.11846488476325778 | 0.009908252194346897 | 0.08208453989175354 | 0.10154381203644383 | 0.7337641056057624 | 0 | 0.09062289203207285 1300 | Immobilier commercial | 0.13955875541638407 | 0.04337287440355044 | 0.10174629443237122 | 0.1461296054672082 | 0.02096209317877822 | 0.009185843754880093 | 0.21093459706290518 | 0 | 0.09567368957513513 1400 | Télécommunications | 0.07245554212595247 | 0 | 0.0008636393670678827 | 0.0013107303778731561 | 0.026925099523464644 | 0.003143780960098586 | 0 | 0 | 0.020852688209647197 1500 | Services financiers | 0.010320110178453894 | 0 | 0.012844599557978615 | 0.02983984525243693 | 0.033803435685830975 | 0.17618090153156918 | 0 | 0.13213448317903564 | 0.0364578848010537 1510 | Services professionnels | 0.017912167744828858 | 0.006334339471205623 | 0.019394345524472445 | 0.0030055422939942542 | 0.007983352417939195 | 0.03325100975687326 | 0 | 0 | 0.011111657094805438 1520 | Services médicaux | 0.00048672466157486657 | 0 | 0.001178393409560341 | 7.195685223952742e-05 | 0.0014480506151888259 | 0.0037992576316231252 | 0 | 0 | 0.0009369741730477314 1530 | Services d'agence ou de représentation | 2.9952951822341048e-05 | 0.0006610471809634951 | 0.0010914114169490482 | 0.0004709610450509558 | 0.0007421004222874329 | 1.736776303261689e-06 | 0 | 0 | 0.00048137304017974164 1540 | Services d'enseignement | 0.010839943008998333 | 0 | 0.0016790345481058472 | 0.0007617374775551985 | 0.0014702931718036084 | 0.0004262364376994666 | 0 | 0 | 0.002763615672622802 1550 | Autres services | 0.0016746423064308857 | 0.00922681754002542 | 0.01085207865637934 | 0.002830932434814383 | 0.026865903602686377 | 0.021894092158622966 | 0 | 0 | 0.011550699806374437 1560 | Crédit à la consommation | 0.15783187135842558 | 0.018804241950595386 | 0.059306095131364416 | 0.09868132014237724 | 0.05126944540994803 | 0.03167846023775343 | 0.014833717617448642 | 0 | 0.08242233641789375 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1 (1) Commerce de gros Import-export | 0.03236032138063099 | 0.031040412966968228 | 0.07490254749455987 | 0.02539939136286359 | 0.05927669650824013 | 0 | 0 | 0 | 0.03865242089777981 Produits pétroliers | 0.017256728382001048 | 0 | 0.03963134519464551 | 0.053816512333049155 | 0.02064706301261423 | 0 | 0 | 0 | 0.029399216227591205 Produits pharmaceutiques | 0 | 0 | 0.0013284427484924308 | 0.0024771325232535676 | 0.0016514629316996836 | 0 | 0 | 0 | 0.0013588538175843214 Produits alimentaires | 0.012276719701626809 | 0.009776619156387351 | 0.06985895524182599 | 0.06092370977855404 | 0.06868434596292436 | 0 | 0 | 0 | 0.04769158771028112 Matériaux de construction | 0.004028156881950628 | 0.12678263506715942 | 0.0512724370183388 | 0.006059393630905533 | 0.11172389194056012 | 0 | 0 | 0 | 0.04110276259258055 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0.0017215141478733134 | 0 | 0 | 0 | 0.0004951905958704908 Autres | 0.04783238409962861 | 0.08283535416830505 | 0.01854211160888059 | 0.04941406061181763 | 0.04148412697664863 | 0 | 0 | 0 | 0.03810224986066481 S-Total | 0.11375431044583809 | 0.25043502135882006 | 0.25553583930674323 | 0.19809020024044355 | 0.30518910148056044 | 0 | - | 0 | 0.1968022817023523 (2) Commerce de détail Produits pétroliers | 0.004002906696510614 | 0.0038329586704311663 | 0.00600839065236746 | 0.002377268272412326 | 0.0020616578669278977 | 0 | 0 | 0 | 0.002694615678102549 Produits pharmaceutiques | 0 | 0 | 6.403577126984059e-05 | 6.067403232499011e-05 | 0.00013684825560938277 | 0 | 0 | 0 | 6.430500727384582e-05 Véhicules automobiles | 0.0009885317929602682 | 0 | 0.0043704077087983306 | 0.03237497666766688 | 0.06412273538888237 | 0 | 0 | 0 | 0.028817020089150304 Produits alimentaires | 0.0034637385218901254 | 0 | 0.035955903777119755 | 0.011970380400843816 | 0.04299600157888681 | 0 | 0 | 0 | 0.020355468827336742 Librairie ,papeterie | 9.180140434604565e-06 | 0 | 0 | 0.0007718936124888325 | 0.0028830019608964332 | 0 | 0 | 0 | 0.0010630818469678364 Appareils électro- ménagers électroni.équip. inform. | 4.8623413384185686e-05 | 0 | 0.003564878293334234 | 0.00517312674341045 | 0.019036502796213193 | 0 | 0 | 0 | 0.007413017808008565 Matériaux de construction | 0.000974768645347954 | 0 | 0.001776530599898124 | 0.00280750445983708 | 0.012182473755366654 | 0 | 0 | 0 | 0.004711246481928256 Autres | 0.016981147774076676 | 0 | 0.005060603703609091 | 0.10451877365443064 | 0.03129862473116533 | 0 | 0 | 0 | 0.04404598200859955 S-Total | 0.026468896984604428 | 0.0038329586704311663 | 0.05680075050639683 | 0.16005459784341503 | 0.17471784633394807 | 0 | - | 0 | 0.10916473774736764 [Secteur d'activitémars 21 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3947839 | 658836.43652 | 4254174.579700001 | 14463318.208999999 | 16743671.55 | 3725610.676 | 0 | 187412.5096 | 0 | 43980862.96082 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3168261 | 19062.509599999998 | 800531.78947 | 2297139.698 | 3620138.5400000005 | 2767491.699 | 174336.87 | 70442.501567836 | 0 | 12917404.607637836 Industries Manufacturières ( 200 à 290 ) | 2429513 | 3340.20664 | 2628834.53612 | 7808323.355 | 6725624.050000001 | 1894603.201 | 10484.3 | 185726.8904 | 0 | 21686449.539160002 Prêts aux Particuliers ( 1560 ) | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5457765 | 262247.84927999997 | 3170556.05197 | 6446761.879 | 3710595.92 | 1166540.854 | 4314572.82 | 0 | 0 | 24529040.37425 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2428944 | 125752.9157 | 258862.25959 | 372978.31899999996 | 1628162.67 | 67056.28899999999 | 0 | 0 | 0 | 4881756.45329 Bâtiments et Travaux Publics ( 600 ) | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893 Électricité, Gaz et Eau ( 300 à 500 ) | 1288751 | 0 | 666826.9595900001 | 1117840.543 | 81885 | 175303.117 | 0 | 0 | 0 | 3330606.6195900002 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301 Total | 23136284 | 1172973.7336899997 | 14397797.893599998 | 41315370.35699999 | 36008900.14 | 10535035.494 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.17063410010008523 | 0.5616804687070011 | 0.29547397533556397 | 0.3500711256857825 | 0.4649870305647164 | 0.3536400687137542 | 0 | 0.35154423176517513 | #DIV/0! | 0.3340320004665636 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13693906074112852 | 0.016251437736829962 | 0.055600988108455554 | 0.05560012358961704 | 0.10053454912327685 | 0.2626941029839116 | 0.038171986379016816 | 0.13213448317903564 | #DIV/0! | 0.09810690858360605 Industries Manufacturières ( 200 à 290 ) | 0.10500878187698595 | 0.0028476397587286206 | 0.18258587566981682 | 0.1889931831066607 | 0.18677671419708075 | 0.17983833106960387 | 0.002295593334866721 | 0.3483823846292643 | #DIV/0! | 0.16470727573117502 Prêts aux Particuliers ( 1560 ) | 0.15783187135842558 | 0.018804241950595393 | 0.05930609513136443 | 0.09868132014237727 | 0.05126944540994803 | 0.03167846023775342 | 0.014833717617448642 | 0 | #DIV/0! | 0.08242233641789375 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.23589635224048944 | 0.22357521038003766 | 0.22021117919562908 | 0.15603785766155515 | 0.10304663307053176 | 0.1107296557913239 | 0.9446987026686677 | 0 | #DIV/0! | 0.18629658160720797 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10498418847209863 | 0.1072086374043519 | 0.017979295271610077 | 0.009027592292581418 | 0.04521556236568796 | 0.006365074805698608 | 0 | 0 | #DIV/0! | 0.03707664570692208 Bâtiments et Travaux Publics ( 600 ) | 0.03300305269420102 | 0.06963236406245568 | 0.11463502604962 | 0.11391905918622772 | 0.021229390151542685 | 0.038414294401806784 | 0 | 0.16793890042652498 | #DIV/0! | 0.06426092277522277 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05570259251658564 | 0 | 0.046314510352059676 | 0.02705628760775725 | 0.0022740211359313124 | 0.016640011996147525 | 0 | 0 | #DIV/0! | 0.025295756313374627 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007893054885880539 | 0.0006134507274410975 | 0.024666653981284304 | 0 | 0 | 0 | #DIV/0! | 0.007801572398034099 Total | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | #DIV/0! | 1 [Secteur d' activitédec. 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372 200 | Industrie alimentaire | 1461272 | 1209.3326299999999 | 768534.66862 | 1009513.407 | 2388621.91 | 431102.061 | 11339.35 | 98956.1961 | 0 | 6170548.92535 210 | Industrie des boissons | 775134 | 0 | 1161561.9498299998 | 2239363.501 | 2892103.46 | 231330.511 | 0 | 0 | 0 | 7299493.42183 220 | Industrie du bois | 39519 | 0 | 1093.86803 | 2611.107 | 0 | 2417.377 | 0 | 0 | 0 | 45641.35203 230 | Industrie chimique | 144 | 0 | 12243.857689999999 | 262562.284 | 17986.98 | 54310.439 | 0 | 81333.3335 | 0 | 428580.89418999996 240 | Industrie du textile | 94 | 0 | 472377.69596 | 1378927.462 | 6980.49 | 140535.348 | 0 | 0 | 0 | 1998914.99596 250 | Industrie pharmacie | 0 | 0 | 23384.421489999997 | 100000 | 97573.5 | 3338.039 | 0 | 0 | 0 | 224295.96048999997 260 | Imprimerie, édition | 17883 | 0 | 2171.05723 | 83784.868 | 212900.32 | 40447.519 | 0 | 0 | 0 | 357186.76423 270 | Sidérurgie, aciérie | 16951 | 0 | 18886.86477 | 123216.215 | 0 | 287585.18 | 0 | 0 | 0 | 446639.25977 280 | Industrie de la fabrication | 29664 | 0 | 269568.00508 | 1980950.654 | 341754.76 | 170670.718 | 0 | 0 | 0 | 2792608.1370800002 290 | Autres industries | 0 | 0 | 35877.16663 | 80951.908 | 998365.05 | 130940.355 | 0 | 0 | 0 | 1246134.47963 300 | Production et distribution de l'électricité | 1143930 | 0 | 334958.39235000004 | 470640.333 | 2164.82 | 4272.917 | 0 | 89530.27228 | 0 | 2045496.7346299998 400 | Production et distribution de gaz | 0 | 0 | 5.1320500000000004 | 356333.923 | 78053.52 | 139436.194 | 0 | 0 | 0 | 573828.76905 500 | Traitement et distribution de l'eau | 0 | 0 | 329156.58926 | 230613.265 | 35109.5 | 7912.071 | 0 | 0 | 0 | 602791.4252599999 600 | Entrep/ batiment et corps/ métiers corresp. | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935 700 | Commerce de gros(1) | 2899120 | 274916.69956 | 2750384.36444 | 5823173.494 | 8959107.78 | 1806430.919 | 0 | 104763.48023999999 | 0 | 22617896.737239998 800 | Commerce de détail(2) | 750114 | 348104.40419 | 793801.95903 | 7415455.482 | 6543126.6 | 920779.963 | 0 | 72230.14684 | 0 | 16843612.55506 900 | Rest/débits/boissons, casinos/activités/loterie | 105104 | 34.29018 | 1826.14382 | 2554.759 | 14879.49 | 17711.879 | 0 | 0 | 0 | 142110.562 1000 | Hotels,motels et pensions | 1962401 | 0 | 126438.167 | 729172.49 | 938052.62 | 269731.502 | 174528.45 | 0 | 0 | 4200324.228999999 1100 | Transport | 733614 | 123678.2832 | 289316.55755 | 240066.162 | 427515.27 | 32473.679 | 0 | 0 | 0 | 1846663.95175 1200 | Immobilier résidentiel / Avance Hypothécaire | 2198734 | 210428.49223 | 1767510.3556400002 | 443863.835 | 2916808.01 | 991513.941 | 3253166.43 | 0 | 0 | 11782025.06387 1300 | Immobilier commercial | 3153220 | 51382.948130000004 | 1444105.37007 | 6048077.722 | 238395.95 | 91450.041 | 917185.54 | 0 | 0 | 11943817.571199998 1400 | Télécommunications | 1514621 | 0 | 14352.70458 | 52348.763 | 1088546.49 | 33947.031 | 0 | 0 | 0 | 2703815.98858 1500 | Services financiers | 308016 | 0 | 317526.73782 | 1013840.406 | 1212841.11 | 1978977.628 | 0 | 63552.83092 | 0 | 4894754.71274 1510 | Services professionnels | 382273 | 7525.799 | 266483.15502 | 121765.428 | 320930.93 | 328410.163 | 0 | 0 | 0 | 1427388.47502 1520 | Services médicaux | 12103 | 0 | 14211.253560000001 | 3424.22 | 57999.97 | 41857.976 | 0 | 0 | 0 | 129596.41956000001 1530 | Services d'agence ou de représentation | 1379 | 775.39098 | 15896.55094 | 18520.544 | 27868.68 | 2414.846 | 0 | 0 | 0 | 66855.01192 1540 | Services d'enseignement | 252690 | 0 | 23505.02829 | 41760.715 | 31594.67 | 4749.988 | 0 | 0 | 0 | 354300.40129 1550 | Autres services | 39827 | 10896.931630000001 | 95218.69323 | 199118.785 | 909978.84 | 220387.83 | 0 | 0 | 0 | 1475428.07986 1560 | Crédit à la consommation | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001 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 | 21956538 | 1126759.7359699998 | 13879954.478999997 | 38490975.02900001 | 34246036.20999999 | 9241170.66 | 4426131.739999999 | 510366.25988 | 0 | 123877932.11385003 (1) Commerce de gros Import-export | 947362 | 38963.20002 | 925490.69303 | 1270857.032 | 2004414.1 | 199996 | 0 | 5387083.025049999 Produits pétroliers | 169843 | 0 | 291990.20916 | 1422446.068 | 342632.09 | 496721 | 55511.41484 | 0 | 2779143.782 Produits pharmaceutiques | 0 | 18175.24635 | 69623.584 | 64680.46 | 12979 | 0 | 165458.29035 Produits alimentaires | 379630 | 8451.23978 | 492276.30757 | 1920799.521 | 2380833.64 | 770692 | 0 | 5952682.70835 Matériaux de construction | 118176.59714 | 733798.84015 | 346704.373 | 2714587.09 | 306105 | 0 | 4219371.900289999 Appareils électroménagers électron.,équipe.inform. | 0 | 0 Autres | 1402285 | 109325.66262 | 288653.0682 | 792742.916 | 1451960.39 | 19938 | 49252.0654 | 0 | 4114157.1022200002 S-Total | 2899120 | 274916.69956 | 2750384.36446 | 5823173.493999999 | 8959107.77 | 1806431 | 0 | 104763.48024 | 0 | 22617896.808259998 (2) Commerce de détail Produits pétroliers | 123913 | 4910.85576 | 87529.44709 | 53074.906 | 245804.86 | 40463 | 55511.41484 | 611207.4836899999 Produits pharmaceutiques | 455 | 0 | 1012.16571 | 3810.17 | 4072.06 | 48438 | 0 | 57787.39571 Véhicules automobiles | 30000 | 0 | 96021.01586 | 1164613.031 | 2829095.74 | 472042 | 0 | 4591771.78686 Produits alimentaires | 71449 | 0 | 464376.65750000003 | 655936.192 | 1339606.42 | 138066 | 16718.732 | 0 | 2686153.0015 Librairie ,papeterie | 810 | 0 | 0 | 28054.788 | 125982.72 | 0 | 0 | 154847.508 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 42573.76663 | 202717.577 | 621809.82 | 159228 | 0 | 1026329.16363 Matériaux de construction | 19446 | 0 | 29990.03587 | 137874.898 | 413247.49 | 2 | 0 | 600560.4238699999 Autres | 504041 | 348104.40419 | 72298.87036 | 5169373.918 | 963507.49 | 62540 | 0 | 7119865.68255 S-Total | 750114 | 353015.25995 | 793801.95902 | 7415455.4799999995 | 6543126.600000001 | 920779 | 0 | 72230.14684 | 0 | 16848522.445809998 [Secteur d'activitésdec. 20%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007963033732367331 | 0.0004763230338069282 | 0.02788406500957794 | 0 | 0 | 0 | 0.00874876876959774 200 | Industrie alimentaire | 0.06655293288951108 | 0.0010732834972656483 | 0.05537011449012838 | 0.026227275516907764 | 0.06974885780511182 | 0.04665015687525459 | 0.002561909736559265 | 0.19389251186641354 | 0.0498115267187295 210 | Industrie des boissons | 0.035303106527996356 | 0 | 0.08368629389868766 | 0.0581789237428465 | 0.08445075051212768 | 0.025032598088606233 | 0 | 0 | 0.05892488918140319 220 | Industrie du bois | 0.0017998739145488236 | 0 | 7.880919434245937e-05 | 6.783686300574954e-05 | 0 | 0.0002615877456374126 | 0 | 0 | 0.00036843811687180337 230 | Industrie chimique | 6.558410984463944e-06 | 0 | 0.0008821252049871367 | 0.006821398621421759 | 0.0005252280844913586 | 0.005877008552074505 | 0 | 0.15936267714704241 | 0.003459703329533404 240 | Industrie du textile | 4.281184948191741e-06 | 0 | 0.034033086828540754 | 0.035824695554245736 | 0.0002038335168833836 | 0.015207526532141762 | 0 | 0 | 0.01613616696574251 250 | Industrie pharmacie | 0 | 0 | 0.0016847621168628475 | 0.002598011609855496 | 0.00284919105386883 | 0.0003612138681139777 | 0 | 0 | 0.0018106207995453197 260 | Imprimerie, édition | 0.000814472664133116 | 0 | 0.0001564167399312982 | 0.0021767405979421024 | 0.0062167872128171195 | 0.00437688259292465 | 0 | 0 | 0.0028833768705609926 270 | Sidérurgie, aciérie | 0.0007720251708170022 | 0 | 0.0013607295901852795 | 0.003201171570924509 | 0 | 0.031119994487797932 | 0 | 0 | 0.003605478814091893 280 | Industrie de la fabrication | 0.0013510326627995724 | 0 | 0.019421389709011597 | 0.051465327976428374 | 0.009979396094319555 | 0.018468517061235614 | 0 | 0 | 0.022543225330185955 290 | Autres industries | 0 | 0 | 0.0025848187531364894 | 0.0021031399682395397 | 0.0291527184015671 | 0.014169238921944115 | 0 | 0 | 0.010059374243386142 300 | Production et distribution de l'électricité | 0.05209974359345722 | 0 | 0.02413252816187425 | 0.012227290492002565 | 6.321373915290854e-05 | 0.00046237832383024083 | 0 | 0.17542357188943256 | 0.01651219631879297 400 | Production et distribution de gaz | 0 | 0 | 3.697454489324627e-07 | 0.009257596689393544 | 0.0022791986646678846 | 0.015088585540741436 | 0 | 0 | 0.004632211397608919 500 | Traitement et distribution de l'eau | 0 | 0 | 0.023714529450222996 | 0.005991359398566821 | 0.001025213539596383 | 0.0008561762671743582 | 0 | 0 | 0.004866011362750263 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03532551443219327 | 0.06827933415083301 | 0.108795211836948 | 0.09277071532507682 | 0.019351428467113685 | 0.05817422486600848 | 0 | 0 | 0.05758714096707476 700 | Commerce de gros(1) | 0.13203903092554936 | 0.24398875002693537 | 0.19815514298705078 | 0.15128672343614794 | 0.2616100656164085 | 0.1954764158635287 | 0 | 0.2052711718533912 | 0.18258213025749426 800 | Commerce de détail(2) | 0.03416358261944574 | 0.3089428855836115 | 0.05719053043228646 | 0.19265439434602583 | 0.19106230455042789 | 0.09963888741775492 | 0 | 0.14152610099457422 | 0.13596943594101873 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004786911306327072 | 3.0432557097436947e-05 | 0.00013156698912542597 | 6.637293542382817e-05 | 0.0004344879479995154 | 0.0019166271949359283 | 0 | 0 | 0.0011471822266890383 1000 | Hotels,motels et pensions | 0.08937661301613214 | 0 | 0.009109407901250512 | 0.018943985946072404 | 0.027391567720356627 | 0.029188023024779845 | 0.03943137264142979 | 0 | 0.0339069611296037 1100 | Transport | 0.03341209802747592 | 0.10976455694303666 | 0.02084420074919758 | 0.006236946760094503 | 0.012483642409837892 | 0.0035140222158823327 | 0 | 0 | 0.014907126073535223 1200 | Immobilier résidentiel | 0.10014028623273852 | 0.18675542399360523 | 0.12734266227704108 | 0.011531633965249843 | 0.0851721347286399 | 0.10729311009174675 | 0.7349908726395028 | 0 | 0.09510995915754977 1300 | Immobilier commercial | 0.1436118936418847 | 0.04560239995243146 | 0.10404251485513825 | 0.1571297613906438 | 0.0069612713289833915 | 0.009895936820627874 | 0.20722056953505866 | 0 | 0.09641602315594865 1400 | Télécommunications | 0.06898268752569281 | 0 | 0.0010340599172508282 | 0.0013600269403557382 | 0.031786057905356636 | 0.0036734556961422896 | 0 | 0 | 0.021826454013577315 1500 | Services financiers | 0.014028441095768377 | 0 | 0.02287664115184308 | 0.026339691453286095 | 0.035415517946741096 | 0.2141479365342659 | 0 | 0.124523966249146 | 0.0395127253839003 1510 | Services professionnels | 0.017410440571277677 | 0.006679151517178792 | 0.01919913753486598 | 0.0031634799562302346 | 0.009371330685747706 | 0.0355377229880094 | 0 | 0 | 0.01152254038038154 1520 | Services médicaux | 0.0005512253343400494 | 0 | 0.0010238688881509842 | 8.896163314699386e-05 | 0.0016936257861884685 | 0.004529510117282046 | 0 | 0 | 0.0010461622772399398 1530 | Services d'agence ou de représentation | 6.280589408038735e-05 | 0.0006881600000842105 | 0.0011452884059563063 | 0.0004811658833283955 | 0.0008137782670410838 | 0.0002613138625880544 | 0 | 0 | 0.000539684597403167 1540 | Services d'enseignement | 0.01150864494211246 | 0 | 0.001693451396080764 | 0.0010849482240586654 | 0.0009225788878531354 | 0.0005140028438777907 | 0 | 0 | 0.0028600768130709526 1550 | Autres services | 0.0018139016269322604 | 0.009671033923322704 | 0.006860158898508159 | 0.005173129151703204 | 0.026571800439032477 | 0.02384847527531755 | 0 | 0 | 0.01191033830387165 1560 | Crédit à la consommation | 0.15408189578885342 | 0.018524587854598082 | 0.06548714816357866 | 0.11507097101756818 | 0.05457995367809022 | 0.034458470329775295 | 0.015795275447449745 | 0 | 0.08879407110284013 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 (1) Commerce de gros Import-export | 0.043147148243498135 | 0.034579865410665864 | 0.0666782224992339 | 0.033017013236024975 | 0.05852981313541631 | 0.021641846835019924 | 0 | 0 | 0.043487027375456996 Produits pétroliers | 0.007735418033571595 | 0 | 0.021036827577624515 | 0.036955313990573 | 0.01000501453362214 | 0.05375087402617019 | 0 | 0.1087677991351782 | 0.022434534824538624 Produits pharmaceutiques | 0 | 0 | 0.0013094600834245291 | 0.0018088287955174936 | 0.0018886991651639094 | 0.0014044757398734154 | 0 | 0 | 0.001335655895498284 Produits alimentaires | 0.017290066403000327 | 0.007500480812552762 | 0.035466709081416734 | 0.04990259455762875 | 0.06952143674089752 | 0.08339765905805704 | 0 | 0 | 0.04805280978438667 Matériaux de construction | 0 | 0.10488180697925335 | 0.052867524980735214 | 0.009007419862416703 | 0.07926719090506973 | 0.03312405010817104 | 0 | 0 | 0.034060722747714135 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.06386639824547932 | 0.09702659682446341 | 0.02079639876605679 | 0.020595552993987 | 0.04239791084423432 | 0.0021575188613603634 | 0 | 0.09650337271821299 | 0.033211380203205874 S-Total | 0.1320390309255494 | 0.24398875002693537 | 0.19815514298849168 | 0.15128672343614794 | 0.26161006532440395 | 0.19547642462865197 | - | 0.2052711718533912 | 0.18258213083080058 (2) Commerce de détail Produits pétroliers | 0.00564355819665195 | 0.004358387687480122 | 0.006306176812209992 | 0.0013788922197998912 | 0.007177614906808511 | 0.004378557813583328 | 0 | 0.1087677991351782 | 0.004933949681435347 Produits pharmaceutiques | 2.0722756930077047e-05 | 0 | 7.292284074356151e-05 | 9.898865895523116e-05 | 0.00011890602389805745 | 0.005241543715847793 | 0 | 0 | 0.000466486602770302 Véhicules automobiles | 0.0013663356217633218 | 0 | 0.0069179633121475475 | 0.030256781755269985 | 0.08261089612391088 | 0.05108032492498088 | 0 | 0 | 0.03706690698259261 Produits alimentaires | 0.0032541104613122524 | 0 | 0.03345664124493993 | 0.017041298421404037 | 0.03911712327188479 | 0.014940314931917944 | 0 | 0.03275830185939602 | 0.021683870207256047 Librairie ,papeterie | 3.6891061787609686e-05 | 0 | 0 | 0.0007288666493603465 | 0.003678753337392445 | 0 | 0 | 0 | 0.0012500007495902287 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003067284312381066 | 0.005266626185677754 | 0.01815713258571013 | 0.017230284544923664 | 0 | 0 | 0.008285004004480411 Matériaux de construction | 0.0008856587500269852 | 0 | 0.0021606724946666165 | 0.0035820058571164226 | 0.012067016675037267 | 2.1642279680613537e-07 | 0 | 0 | 0.004848001686999867 Autres | 0.02295630577097355 | 0.3089428855836115 | 0.005208869414477279 | 0.1343009345464819 | 0.028134861625785806 | 0.006767540856127853 | 0 | 0 | 0.057474850936375714 S-Total | 0.03416358261944574 | 0.31330127327109164 | 0.057190530431565995 | 0.19265439429406556 | 0.19106230455042789 | 0.09963878321017827 | - | 0.14152610099457422 | 0.13600907085150052 [Secteur d'activitédec 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3649234 | 623021.10375 | 3544186.32347 | 13238628.976 | 15502234.379999999 | 2727210.882 | 0 | 176993.62708 | 0 | 39461509.29229999 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3063793 | 19232.41179 | 861105.72968 | 2130157.347 | 3514146.3100000005 | 2864241.812 | 174528.45 | 63552.83092 | 0 | 12690757.89139 Industries Manufacturières ( 200 à 290 ) | 2340661 | 1209.3326299999999 | 2765699.55533 | 7261881.4059999995 | 6956286.470000001 | 1492677.5469999998 | 11339.35 | 180289.5296 | 0 | 21010044.19056 Prêts aux Particuliers ( 1560 ) | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5351954 | 261811.44036 | 3211615.72571 | 6491941.557 | 3155203.96 | 1082963.982 | 4170351.97 | 0 | 0 | 23725842.63507 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248235 | 123678.2832 | 303669.26213000005 | 292414.925 | 1516061.76 | 66420.71 | 0 | 0 | 0 | 4550479.94033 Bâtiments et Travaux Publics ( 600 ) | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935 Électricité, Gaz et Eau ( 300 à 500 ) | 1143930 | 0 | 664120.11366 | 1057587.5210000002 | 115327.84000000001 | 151621.18199999997 | 0 | 89530.27228 | 0 | 3222116.92894 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372 Total | 21956538 | 1126759.73597 | 13879954.478999998 | 38490975.02899999 | 34246036.21 | 9241170.660000002 | 4426131.74 | 510366.25988 | 0 | 123877932.11384998 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1662026135449951 | 0.5529316356105468 | 0.25534567341933717 | 0.3439411177821739 | 0.45267237016683626 | 0.2951153032812836 | 0 | 0.34679727284796547 | #DIV/0! | 0.3185515661985131 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1395389837869704 | 0.017068777997683138 | 0.0620395211657812 | 0.05534173518324984 | 0.1026146876809601 | 0.30994361184105645 | 0.039431372641429784 | 0.124523966249146 | #DIV/0! | 0.10244567111216032 Industries Manufacturières ( 200 à 290 ) | 0.1066042834257386 | 0.0010732834972656481 | 0.19925854652581387 | 0.18866452202181758 | 0.20312676268118682 | 0.16152472472573073 | 0.0025619097365592648 | 0.353255189013456 | #DIV/0! | 0.16960280037005077 Prêts aux Particuliers ( 1560 ) | 0.15408189578885342 | 0.018524587854598075 | 0.06548714816357865 | 0.11507097101756823 | 0.05457995367809021 | 0.03445847032977529 | 0.01579527544744974 | 0 | #DIV/0! | 0.08879407110284016 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24375217987462322 | 0.23235782394603666 | 0.2313851771321793 | 0.16866139535589372 | 0.09213340605762327 | 0.11718904691237461 | 0.9422114421745612 | 0 | #DIV/0! | 0.1915259823134985 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10239478555316872 | 0.10976455694303665 | 0.021878260666448407 | 0.007596973700450244 | 0.04426970031519452 | 0.007187477912024621 | 0 | 0 | #DIV/0! | 0.03673358008711255 Bâtiments et Travaux Publics ( 600 ) | 0.03532551443219327 | 0.068279334150833 | 0.10879521183694799 | 0.09277071532507686 | 0.01935142846711368 | 0.05817422486600846 | 0 | 0 | #DIV/0! | 0.05758714096707478 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05209974359345722 | 0 | 0.04784742735754617 | 0.027476246579962945 | 0.0033676259434171755 | 0.016407140131746028 | 0 | 0.17542357188943256 | #DIV/0! | 0.026010419079152164 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00796303373236733 | 0.00047632303380692835 | 0.027884065009577935 | 0 | 0 | 0 | #DIV/0! | 0.008748768769597744 Total | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activitésept. 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 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 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486 200 | Industrie alimentaire | 1441830.9485499999 | 1209.3326299999999 | 604415.94 | 905028.224 | 2187482.25 | 402011.535 | 12429.97 | 94679.83290000001 | 0 | 5649088.0330799995 210 | Industrie des boissons | 775189.04235 | 0 | 1041130.5716 | 1278551.228 | 2919311.85 | 220837.65 | 0 | 0 | 0 | 6235020.341950001 220 | Industrie du bois | 36458.33746 | 0 | 1163.50729 | 382.958 | 0 | 3733.517 | 0 | 0 | 0 | 41738.31975 230 | Industrie chimique | 231.68579 | 0 | 13312.69546 | 264733.6 | 20854.66 | 56225.348 | 0 | 81333.3335 | 0 | 436691.32274999993 240 | Industrie du textile | 344.65772 | 0 | 402590.57766 | 1108916.659 | 8190.39 | 63787.397 | 0 | 0 | 0 | 1583829.68138 250 | Industrie pharmacie | 0 | 0 | 25387.99782 | 0 | 88417.91 | 4321.414 | 0 | 0 | 0 | 118127.32182000001 260 | Imprimerie, édition | 75288.50398000001 | 0 | 7112.42619 | 141531.13 | 170252.05 | 56677.011 | 0 | 0 | 0 | 450861.12117 270 | Sidérurgie, aciérie | 20609.96818 | 0 | 28375.25991 | 187080.826 | 0 | 275022.983 | 0 | 0 | 0 | 511089.03709 280 | Industrie de la fabrication | 31430.145510000002 | 0 | 261486.88496999998 | 1755736.334 | 390201.23 | 175938.944 | 0 | 0 | 0 | 2614793.53848 290 | Autres industries | 0 | 0 | 14286.592869999999 | 77043.858 | 1146016.45 | 132416.394 | 0 | 0 | 0 | 1369763.29487 300 | Production et distribution de l'électricité | 1026559.05192 | 0 | 334960.71611000004 | 455246.279 | 0 | 3484.422 | 0 | 89530.27228 | 0 | 1909780.74131 400 | Production et distribution de gaz | 0 | 0 | 0 | 336812.017 | 65274.55 | 127478.815 | 0 | 0 | 0 | 529565.382 500 | Traitement et distribution de l'eau | 0 | 0 | 344372.56169999996 | 270133.423 | 38715.3 | 7035.755 | 0 | 0 | 0 | 660257.0397 600 | Entrep/ batiment et corps/ métiers corresp. | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001 700 | Commerce de gros(1) | 3178016.0804000003 | 248573.93335 | 2815102.98311 | 4986794.818 | 8362650.75 | 1545884.677 | 0 | 102210.0335 | 0 | 21239233.275360003 800 | Commerce de détail(2) | 640763.91258 | 336087.6155 | 1034421.73729 | 6813508.613 | 6759646.12 | 776339.653 | 0 | 69676.70009999999 | 0 | 16430444.35147 900 | Rest/débits/boissons, casinos/activités/loterie | 97885.77997 | 34.29018 | 1929.3141799999999 | 2559.367 | 13811.87 | 17217.297 | 0 | 0 | 0 | 133437.91833 1000 | Hotels,motels et pensions | 1812083.8661300002 | 0 | 131228.54258 | 688174.233 | 872662.34 | 258048.3 | 173187.4 | 0 | 0 | 3935384.6817099997 1100 | Transport | 928436.11628 | 121958.20726000001 | 249095.21922 | 239791.074 | 349839.11 | 51131.733 | 0 | 0 | 0 | 1940251.45976 1200 | Immobilier résidentiel / Avance Hypothécaire | 2151349.1525100004 | 210231.65282 | 1755745.8927200001 | 432717.997 | 2772863.44 | 953815.529 | 3170457.8 | 0 | 0 | 11447181.46405 1300 | Immobilier commercial | 3113565.6451999997 | 51918.20269 | 1545758.7623299998 | 6064286.379 | 154866.65 | 96174.588 | 903162.52 | 0 | 0 | 11929732.74722 1400 | Télécommunications | 1319651.38919 | 0 | 13542.6569 | 50764.484 | 1073933.85 | 34344.56 | 0 | 0 | 0 | 2492236.94009 1500 | Services financiers | 158746.44713 | 0 | 167426.26632 | 592574.02 | 1036533.41 | 1869972.489 | 0 | 58134.25836 | 0 | 3883386.89081 1510 | Services professionnels | 350305.10968 | 7730.82381 | 288521.98436 | 95522.377 | 312725.89 | 293957.064 | 0 | 0 | 0 | 1348763.2488499999 1520 | Services médicaux | 1156.79087 | 0 | 13260.4141 | 3919.212 | 42439.21 | 40933.645 | 0 | 0 | 0 | 101709.27197 1530 | Services d'agence ou de représentation | 1420.9521599999998 | 775.39098 | 14905.35161 | 20135.457 | 18054.57 | 2333.098 | 0 | 0 | 0 | 57624.819749999995 1540 | Services d'enseignement | 184749.22172 | 0 | 26109.10945 | 35733.943 | 40112.33 | 5472.254 | 0 | 0 | 0 | 292176.85817 1550 | Autres services | 3385203.8818 | 9500.61441 | 164387.2754 | 139497.758 | 1091845.04 | 170677.02 | 0 | 0 | 0 | 4961111.589609999 1560 | Crédit à la consommation | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164 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 | 24617365.626319997 | 1081270.13673 | 13760430.835709997 | 34111123.87500001 | 34006206.78 | 8501114.916 | 4325559.459999999 | 495564.43064000004 | 0 | 120898636.06039998 (1) Commerce de gros Import-export | 892104 | 40284.00969 | 971287.42856 | 1147790.135 | 1697163.46 | 150038 | 0 | 0 | 4898667.03325 Produits pétroliers | 321619 | 465185.71355 | 571905.106 | 316412.64 | 196098 | 54383.4225 | 0 | 1925603.8820500004 Produits pharmaceutiques | 0 | 22432.6165 | 54787.442 | 77043.61 | 12614 | 0 | 166877.6685 Produits alimentaires | 428392 | 8425.87964 | 425244.57588 | 1982644.661 | 2290598.14 | 780233 | 0 | 5915538.25652 Matériaux de construction | 0 | 108952.33812 | 774327.52341 | 321195.638 | 2455958.27 | 386292 | 0 | 4046725.76953 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1535900 | 90911.7059 | 156625.1252 | 908471.837 | 1525474.63 | 20609 | 47826.611 | 0 | 4285818.9091 S-Total | 3178015 | 248573.93335 | 2815102.9831 | 4986794.819 | 8362650.750000001 | 1545884 | 0 | 102210.03349999999 | 0 | 21239231.51895 (2) Commerce de détail Produits pétroliers | 140376 | 4910.85576 | 89305.22299 | 79154.028 | 247726.63 | 15655 | 54383.4225 | 631511.1592499999 Produits pharmaceutiques | 780 | 993.32416 | 4058.949 | 4014.31 | 47530 | 0 | 57376.58316 Véhicules automobiles | 47284 | 173700.51208 | 1227481.382 | 3106748.43 | 403555 | 0 | 4958769.32408 Produits alimentaires | 65371 | 621842.17585 | 524193.742 | 1321637.24 | 117717 | 15293.2776 | 0 | 2666054.43545 Librairie ,papeterie | 898 | 2978.9453 | 17697.821 | 117380.21 | 0 | 0 | 138954.9763 Appareils électro- ménagers électroni.équip. inform. | 0 | 40183.3653 | 214235.762 | 610966.3 | 132335 | 0 | 997720.4273000001 Matériaux de construction | 17764 | 30388.73357 | 133608.24 | 485030.83 | 1 | 0 | 666792.80357 Autres | 368290 | 331176.75974 | 75029.45742 | 4613078.689 | 866142.16 | 59547 | 0 | 6313264.066160001 S-Total | 640763 | 336087.6155 | 1034421.73667 | 6813508.613 | 6759646.11 | 776340 | 0 | 69676.7001 | 0 | 16430443.775270002 [Secteur d'activitésept. 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 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 | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007540706108614086 | 0.0006233758253736222 | 0.04219832747838158 | 0 | 0 | 0 | 0.012903639906083146 200 | Industrie alimentaire | 0.0585696686817068 | 0.0011184370944131402 | 0.04392420173585458 | 0.02653176211128282 | 0.06432597037804638 | 0.047289271933422715 | 0.002873609787345289 | 0.1910545371017147 | 0.046725821044480274 210 | Industrie des boissons | 0.03148952061390338 | 0 | 0.07566118997510886 | 0.037481943798898056 | 0.08584644176535822 | 0.025977492620922006 | 0 | 0 | 0.05157229680271195 220 | Industrie du bois | 0.0014810007704894332 | 0 | 8.45545683773619e-05 | 1.1226777558058395e-05 | 0 | 0.00043917968841629526 | 0 | 0 | 0.00034523400023427786 230 | Industrie chimique | 9.411477796482412e-06 | 0 | 0.0009674621106667629 | 0.007760916965682941 | 0.0006132604008120425 | 0.006613879303546166 | 0 | 0.1641226215427962 | 0.0036120450732945613 240 | Industrie du textile | 1.4000593127296465e-05 | 0 | 0.029257120105224348 | 0.03250894526558603 | 0.000240849855821526 | 0.0075034154496541805 | 0 | 0 | 0.013100476010239946 250 | Industrie pharmacie | 0 | 0 | 0.0018450002127923966 | 0 | 0.002600052119073776 | 0.000508334970495063 | 0 | 0 | 0.00097707737381739 260 | Imprimerie, édition | 0.0030583493426081408 | 0 | 0.0005168752544827584 | 0.004149119522377507 | 0.005006499287069264 | 0.006667009158213807 | 0 | 0 | 0.0037292490292839485 270 | Sidérurgie, aciérie | 0.0008372125796419324 | 0 | 0.0020620909511323395 | 0.0054844521302070395 | 0 | 0.03235140163584633 | 0 | 0 | 0.004227417725661223 280 | Industrie de la fabrication | 0.0012767469105790924 | 0 | 0.019002812345919405 | 0.0514710784796738 | 0.01147441208378137 | 0.020695984672417997 | 0 | 0 | 0.021627982115312454 290 | Autres industries | 0 | 0 | 0.0010382373226951985 | 0.0022586138845007487 | 0.033700214123087796 | 0.0155763561966182 | 0 | 0 | 0.011329849033083197 300 | Production et distribution de l'électricité | 0.04170060547918418 | 0 | 0.024342313122982757 | 0.013345977126647807 | 0 | 0.00040987823766997297 | 0 | 0.1806632331629926 | 0.015796544969753745 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009873964230385533 | 0.0019194892985944492 | 0.014995540733142115 | 0 | 0 | 0.0043802428154394845 500 | Traitement et distribution de l'eau | 0 | 0 | 0.025026292113348017 | 0.007919217906448998 | 0.0011384774623781195 | 0.0008276273253003513 | 0 | 0 | 0.005461244735384284 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03208289727742347 | 0.06781857571852187 | 0.1012561674678196 | 0.08822648280450418 | 0.02219087723844041 | 0.06709529992665729 | 0 | 0 | 0.054516512478331065 700 | Commerce de gros(1) | 0.12909651376352718 | 0.22989068587591124 | 0.2045795670731809 | 0.14619262725772617 | 0.24591542373724282 | 0.18184493354989015 | 0 | 0.20624973702814015 | 0.17567802224624812 800 | Commerce de détail(2) | 0.02602893917677846 | 0.31082668806187813 | 0.07517364460751835 | 0.19974447743111773 | 0.1987768339977141 | 0.09132209841544979 | 0 | 0.14060068841102163 | 0.13590264445383388 900 | Rest/débits/boissons, casinos/activités/loterie | 0.003976289805166807 | 3.1712870664958056e-05 | 0.00014020739634061416 | 7.503027485634258e-05 | 0.00040615732561278037 | 0.0020252987014203537 | 0 | 0 | 0.001103717317897081 1000 | Hotels,motels et pensions | 0.07360998303541406 | 0 | 0.009536659436523305 | 0.02017448136630766 | 0.025661854779793818 | 0.030354642014581608 | 0.04003815034830201 | 0 | 0.03255110901122088 1100 | Transport | 0.03771468200022791 | 0.1127916171150612 | 0.01810228343821674 | 0.007029703122028838 | 0.010287507579520752 | 0.006014709071131912 | 0 | 0 | 0.01604858022377247 1200 | Immobilier résidentiel | 0.08739152617572758 | 0.19443027757687548 | 0.1275938169147746 | 0.012685539139246547 | 0.08153992175424865 | 0.11219887490343392 | 0.7329590147397952 | 0 | 0.09468412413131842 1300 | Immobilier commercial | 0.12647842553352207 | 0.048015940629796854 | 0.11233360210776012 | 0.1777803159234078 | 0.004554070114373397 | 0.011313173501394415 | 0.20879669516784316 | 0 | 0.09867549491013283 1400 | Télécommunications | 0.05360652350952924 | 0 | 0.0009841739013618058 | 0.0014882090717979893 | 0.03158052460680826 | 0.004040006556711743 | 0 | 0 | 0.020614268459115608 1500 | Services financiers | 0.006448555444140376 | 0 | 0.012167225599180253 | 0.017371870307512697 | 0.030480712438930833 | 0.21996791097136137 | 0 | 0.11730918275333466 | 0.032121014904335984 1510 | Services professionnels | 0.014229999870719979 | 0.00714976169912518 | 0.020967510959849472 | 0.0028003292225152452 | 0.009196141516845767 | 0.03457864843665878 | 0 | 0 | 0.011156149422365433 1520 | Services médicaux | 4.6990847337588436e-05 | 0 | 0.0009636627121868603 | 0.00011489542280582508 | 0.0012479842363647474 | 0.004815091362070467 | 0 | 0 | 0.0008412772491427188 1530 | Services d'agence ou de représentation | 5.772153615335547e-05 | 0.0007171112506121309 | 0.0010832038464463477 | 0.0005902900494802296 | 0.0005309198440391299 | 0.0002744461194859115 | 0 | 0 | 0.0004766374677809525 1540 | Services d'enseignement | 0.007504833154140296 | 0 | 0.0018974049404211731 | 0.0010475744842341403 | 0.0011795590804791313 | 0.0006437101549704542 | 0 | 0 | 0.002416709300376481 1550 | Autres services | 0.137512840861439 | 0.00878653177154412 | 0.011946375615899684 | 0.00408950929061114 | 0.03210722816171736 | 0.020077015978076918 | 0 | 0 | 0.041035298257057824 1560 | Crédit à la consommation | 0.12577676155971604 | 0.018422660335595788 | 0.07000563805532156 | 0.12116807080722429 | 0.05528028933546348 | 0.033578768411039794 | 0.015332529956714552 | 0 | 0.08638931953229056 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.03623880855253637 | 0.037256193731409024 | 0.07058553908351406 | 0.03364855814209082 | 0.04990746162839159 | 0.01764921442452361 | 0 | 0 | 0.040518794858882164 Produits pétroliers | 0.013064720444990938 | 0 | 0.03380604278339791 | 0.01676594145932402 | 0.009304555549138492 | 0.023067327278557637 | 0 | 0.10974036701900934 | 0.01592742436802996 Produits pharmaceutiques | 0 | 0 | 0.0016302263183347882 | 0.0016061459071465434 | 0.002265574943375087 | 0.0014838053743114466 | 0 | 0 | 0.0013803105968592504 Produits alimentaires | 0.017402024509965388 | 0.007792575928788455 | 0.03090343470761384 | 0.058123111635529474 | 0.06735823712473468 | 0.0917800791672065 | 0 | 0 | 0.04892973526653059 Matériaux de construction | 0 | 0.10076329163172486 | 0.05627204065446306 | 0.009416155245339302 | 0.0722208826726425 | 0.04544015741664161 | 0 | 0 | 0.03347205478404478 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.062390916368316486 | 0.08407862458398889 | 0.01138228352513053 | 0.02663271489761197 | 0.04485871181896048 | 0.002424270252036198 | 0 | 0.09650937000913079 | 0.03544968784394589 S-Total | 0.1290964698758092 | 0.22989068587591122 | 0.20457956707245417 | 0.14619262728704213 | 0.24591542373724282 | 0.181844853913277 | - | 0.20624973702814015 | 0.17567800771829264 (2) Commerce de détail Produits pétroliers | 0.005702316085760007 | 0.004541747333234888 | 0.006490001952427394 | 0.0023204755225907955 | 0.00728474750514353 | 0.0018415231595723556 | 0 | 0.10974036701900934 | 0.005223476292441397 Produits pharmaceutiques | 3.168495004055398e-05 | 0 | 7.218699558608315e-05 | 0.00011899194570293235 | 0.00011804639152994058 | 0.0055910313493755396 | 0 | 0 | 0.0004745842056591534 Véhicules automobiles | 0.001920757920150711 | 0 | 0.012623188485437968 | 0.03598478274999374 | 0.09135827615525662 | 0.047470832236424274 | 0 | 0 | 0.041015924460906565 Produits alimentaires | 0.0026554831655141724 | 0 | 0.045190603642746685 | 0.015367237500614304 | 0.03886458870729716 | 0.013847242527970552 | 0 | 0.03086032139201232 | 0.022051981083707685 Librairie ,papeterie | 3.6478314277458304e-05 | 0 | 0.0002164863393862112 | 0.0005188284345263308 | 0.0034517289963970515 | 0 | 0 | 0 | 0.0011493510665461868 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.002920211276795147 | 0.006280524874673304 | 0.017966317265333057 | 0.015566781687767978 | 0 | 0 | 0.008252536668830135 Matériaux de construction | 0.0007216044263082063 | 0 | 0.002208414397254011 | 0.003916852475738018 | 0.014263008901223884 | 1.1763162948402145e-07 | 0 | 0 | 0.005515304599771297 Autres | 0.014960577244148239 | 0.30628494072864326 | 0.005452551472828119 | 0.1352367839272783 | 0.025470119781468906 | 0.007004610640885025 | 0 | 0 | 0.052219481309995465 S-Total | 0.026028902106199348 | 0.31082668806187813 | 0.07517364456246163 | 0.19974447743111773 | 0.19877683370365018 | 0.0913221392336252 | - | 0.14060068841102166 | 0.1359026396878579 [Secteur d'activitésept 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3818779.9929800006 | 584661.54885 | 3849524.7204 | 11800303.431 | 15122296.870000001 | 2322224.33 | 0 | 171886.73359999998 | 0 | 37669677.62683 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 5991552.04946 | 18041.11938 | 807768.258 | 1578116.367 | 3428184.66 | 2658611.167000001 | 173187.4 | 58134.25836 | 0 | 14713595.279200003 Industries Manufacturières ( 200 à 290 ) | 2381383.28954 | 1209.3326299999999 | 2399262.4537699996 | 5719004.817 | 6930726.79 | 1390972.193 | 12429.97 | 176013.1664 | 0 | 19011002.012339998 Prêts aux Particuliers ( 1560 ) | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5264914.79771 | 262149.85550999996 | 3301504.65505 | 6497004.376 | 2927730.09 | 1049990.117 | 4073620.32 | 0 | 0 | 23376914.211269997 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248087.50547 | 121958.20726000001 | 262637.87612 | 290555.55799999996 | 1423772.96 | 85476.293 | 0 | 0 | 0 | 4432488.39985 Bâtiments et Travaux Publics ( 600 ) | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001 Électricité, Gaz et Eau ( 300 à 500 ) | 1026559.05192 | 0 | 679333.27781 | 1062191.719 | 103989.85 | 137998.992 | 0 | 89530.27228 | 0 | 3099603.1630100003 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486 Total | 24617365.62632 | 1081270.13673 | 13760430.835709998 | 34111123.875 | 34006206.78 | 8501114.916000001 | 4325559.46 | 495564.43064000004 | 0 | 120898636.0604 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.15512545294030564 | 0.5407173739377894 | 0.2797532116806992 | 0.345937104688844 | 0.44469225773495696 | 0.27316703196533987 | 0 | 0.3468504254391617 | #DIV/0! | 0.31158066670008194 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24338721455451143 | 0.01668511759194639 | 0.05870225050684771 | 0.04626398041832329 | 0.10081055738378357 | 0.3127367637386259 | 0.040038150348302 | 0.11730918275333466 | #DIV/0! | 0.12170191293017737 Industries Manufacturières ( 200 à 290 ) | 0.09673591096985254 | 0.0011184370944131402 | 0.17435954458225394 | 0.16765805893576702 | 0.20380770001305037 | 0.16362232562955273 | 0.002873609787345288 | 0.3551771586445108 | #DIV/0! | 0.15724744820811917 Prêts aux Particuliers ( 1560 ) | 0.125776761559716 | 0.018422660335595788 | 0.07000563805532155 | 0.12116807080722432 | 0.05528028933546348 | 0.03357876841103979 | 0.015332529956714549 | 0 | #DIV/0! | 0.08638931953229055 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2138699517092496 | 0.2424462182066723 | 0.2399274190225347 | 0.1904658550626544 | 0.08609399186862204 | 0.12351204840482831 | 0.9417557099076381 | 0 | #DIV/0! | 0.1933596190414512 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09132120550975714 | 0.1127916171150612 | 0.01908645733957854 | 0.008517912193826829 | 0.041868032186329014 | 0.010054715627843654 | 0 | 0 | #DIV/0! | 0.03666284868288807 Bâtiments et Travaux Publics ( 600 ) | 0.032082897277423465 | 0.06781857571852187 | 0.10125616746781958 | 0.0882264828045042 | 0.02219087723844041 | 0.06709529992665728 | 0 | 0 | #DIV/0! | 0.05451651247833106 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04170060547918417 | 0 | 0.04936860523633077 | 0.031139159263482347 | 0.0030579667609725684 | 0.016233046296112434 | 0 | 0.1806632331629926 | #DIV/0! | 0.025638032520577513 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007540706108614085 | 0.0006233758253736223 | 0.04219832747838158 | 0 | 0 | 0 | #DIV/0! | 0.012903639906083144 Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 0.9999999999999998 | #DIV/0! | 0.9999999999999999 [Secteur d' activitéjuin 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 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 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999 200 | Industrie alimentaire | 1446166 | 1209.3326299999999 | 651545.9562799999 | 793172.946 | 2712546.15 | 550575.742 | 11232.94 | 161826.05697 | 0 | 6328275.123880001 210 | Industrie des boissons | 187 | 0 | 1603453.33536 | 1180348.372 | 3545963.01 | 299448.6 | 0 | 0 | 0 | 6629400.317359999 220 | Industrie du bois | 62563 | 0 | 2182.06742 | 773.525 | 0 | 4604.07 | 0 | 0 | 0 | 70122.66242000001 230 | Industrie chimique | 308 | 0 | 12822.91841 | 601363.09 | 976.22 | 68251.166 | 0 | 79706.66683 | 0 | 763428.06124 240 | Industrie du textile | 801 | 0 | 419948.56712 | 1716604.049 | 7703.9 | 276350.702 | 0 | 0 | 0 | 2421408.2181200003 250 | Industrie pharmacie | 0 | 0 | 128544.44072 | 0 | 51681.55 | 11513.829 | 0 | 0 | 0 | 191739.81972 260 | Imprimerie, édition | 95853 | 0 | 6005.12723 | 102239.726 | 113001.47 | 48125.398 | 0 | 0 | 0 | 365224.72122999997 270 | Sidérurgie, aciérie | 871 | 0 | 81486.85698000001 | 226698.564 | 0 | 218893.067 | 0 | 0 | 0 | 527949.4879800001 280 | Industrie de la fabrication | 33985 | 50.45233 | 428288.62489 | 2449521.502 | 703647.38 | 320477.775 | 0 | 0 | 0 | 3935970.7342199995 290 | Autres industries | 0 | 0 | 42085.785619999995 | 133555.365 | 894965.47 | 211928.527 | 0 | 0 | 0 | 1282535.14762 300 | Production et distribution de l'électricité | 1729544 | 0 | 334959.19423 | 1812502.799 | 0 | 6310.847 | 0 | 126020.19311 | 0 | 4009337.03334 400 | Production et distribution de gaz | 0 | 0 | 0 | 603638.716 | 81351.47 | 220064.755 | 0 | 0 | 0 | 905054.941 500 | Traitement et distribution de l'eau | 0 | 0 | 390754.08341 | 84168.318 | 35782.85 | 0 | 0 | 0 | 0 | 510705.25141 600 | Entrep/ batiment et corps/ métiers corresp. | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496 700 | Commerce de gros(1) | 3267195 | 355252.30939999997 | 3526119.0043699997 | 8472334.348 | 10351920.34 | 2482739.552 | 0 | 125005.3153 | 0 | 28580565.869069997 800 | Commerce de détail(2) | 610060 | 488227.61473000003 | 1376000.73142 | 6569841.476 | 8476138.56 | 1093342.875 | 0 | 0 | 0 | 18613611.25715 900 | Rest/débits/boissons, casinos/activités/loterie | 156013 | 34.29018 | 2751.40477 | 2998.82 | 14796.49 | 21260.707 | 0 | 0 | 0 | 197854.71195 1000 | Hotels,motels et pensions | 1908215 | 0 | 138823.57815000002 | 927154.415 | 1138830.9 | 366691.824 | 182892.34 | 0 | 0 | 4662608.05715 1100 | Transport | 2276985 | 139495.27721 | 404963.37520999997 | 308618.198 | 482920.97 | 84827.807 | 0 | 0 | 0 | 3697810.62742 1200 | Immobilier résidentiel / Avance Hypothécaire | 2202905 | 244881.32452000002 | 1861197.2661 | 519811.802 | 3176117.14 | 1133566.539 | 3847947.41 | 0 | 0 | 12986426.48162 1300 | Immobilier commercial | 3450007 | 57631.9491 | 1598732.2311600002 | 6716277.417 | 3666677.43 | 160284.48 | 1394622.88 | 0 | 0 | 17044233.38726 1400 | Télécommunications | 2267603 | 0 | 21836.45346 | 65792.537 | 1211777.99 | 35307.464 | 0 | 0 | 0 | 3602317.4444600004 1500 | Services financiers | 147152 | 0 | 341596.10394999996 | 593089.45 | 754976.52 | 1785620.707 | 0 | 142453.52453999998 | 0 | 3764888.3054899997 1510 | Services professionnels | 1033745 | 7730.82381 | 295990.13444 | 112901.666 | 268725.31 | 507917.983 | 0 | 0 | 0 | 2227010.91725 1520 | Services médicaux | 1361 | 0 | 20343.73127 | 4374.659 | 2430.5 | 29265.131 | 0 | 0 | 0 | 57775.02127 1530 | Services d'agence ou de représentation | 332 | 775.39098 | 18453.79668 | 38501.762 | 27903.82 | 4358.514 | 0 | 0 | 0 | 90325.28365999999 1540 | Services d'enseignement | 184328 | 0 | 28427.56297 | 76104.427 | 29582.57 | 8420.13 | 0 | 0 | 0 | 326862.68997 1550 | Autres services | 58638 | 10374.469550000002 | 212922.66759 | 122798.496 | 1722988.91 | 216825.56 | 0 | 0 | 0 | 2344548.10314 1560 | Crédit à la consommation | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001 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 | 24893714 | 1437386.05913 | 17176865.26148 | 42467615.83300001 | 42887602.28000001 | 11404122.992000002 | 5525516.96 | 635011.7567500001 | 0 | 146427835.14236003 (1) Commerce de gros Import-export | 591791 | 43655.47777 | 1043755.79298 | 1873384.304 | 2800657.33 | 131016 | 0 | 6484259.904750001 Produits pétroliers | 470304 | 0 | 317144.34985 | 2429165.901 | 543903.84 | 387526 | 98716.6297 | 0 | 4246760.72055 Produits pharmaceutiques | 0 | 0 | 30078.18817 | 71040.589 | 86306.5 | 12535 | 0 | 199960.27717000002 Produits alimentaires | 435232 | 9861.4907 | 804906.61799 | 2487432.629 | 2646321.4 | 996818 | 0 | 7380572.13769 Matériaux de construction | 0 | 180104.73089 | 1040341.75969 | 392876.018 | 3158410.67 | 822404 | 0 | 5594137.17858 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1769867 | 121630.61004 | 289892.29569 | 1218434.906 | 1116320.6 | 32612 | 26288.6856 | 0 | 4575046.09733 S-Total | 3267194 | 355252.3094 | 3526119.00437 | 8472334.347000001 | 10351920.34 | 2382911 | 0 | 125005.3153 | 0 | 28480736.31607 (2) Commerce de détail Produits pétroliers | 100898 | 4910.85576 | 65604.18463 | 26082.376 | 170636 | 29952 | 398083.41639 Produits pharmaceutiques | 1094 | 0 | 946.7156 | 4208.249 | 859.28 | 41624 | 0 | 48732.2446 Véhicules automobiles | 34804 | 0 | 270960.12985 | 1860673.37 | 4336398.03 | 552894 | 0 | 7055729.5298500005 Produits alimentaires | 113458 | 0 | 845997.42634 | 852566.569 | 1326136.93 | 169789 | 0 | 3307947.9253399996 Librairie ,papeterie | 478 | 0 | 0 | 29918.831 | 180128.02 | 0 | 0 | 210524.851 Appareils électro- ménagers électroni.équip. inform. | 30535 | 0 | 70611.37865 | 312193.331 | 686831.95 | 194703 | 0 | 1294874.6596499998 Matériaux de construction | 0 | 0 | 30770.39849 | 222624.362 | 874853.86 | 28 | 0 | 1128276.62049 Autres | 328793 | 483316.75897 | 91110.49785 | 3261574.39 | 900294.49 | 104354 | 0 | 5169443.136820001 S-Total | 610060 | 488227.61473000003 | 1376000.7314100002 | 6569841.478 | 8476138.56 | 1093344 | 0 | 0 | 0 | 18613612.38414 [Secteur d'activitéjuin 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 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 | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.00736419763585553 | 0.0002212475510032948 | 0.017355681605616676 | 0 | 0 | 0 | 0.006011379296116888 200 | Industrie alimentaire | 0.05809362154638717 | 0.0008413415604795604 | 0.03793159848212381 | 0.01867712444981794 | 0.06324779203767601 | 0.0482786569722397 | 0.002032921097033426 | 0.25483946596237567 | 0.04321770596230919 210 | Industrie des boissons | 0 | 0 | 0.09334959033274984 | 0.02779408141586312 | 0.08268037431539059 | 0.026257924455046943 | 0 | 0 | 0.045274181038835716 220 | Industrie du bois | 0.0025132047391562386 | 0 | 0.00012703525275321322 | 1.8214467302374963e-05 | 0 | 0.00040371977777070247 | 0 | 0 | 0.0004788888830585071 230 | Industrie chimique | 1.2372601372378586e-05 | 0 | 0.0007465226171830114 | 0.014160509795624152 | 2.276228905562402e-05 | 0.0059847798947694816 | 0 | 0.1255199860203218 | 0.005213681268303804 240 | Industrie du textile | 3.2176797724919634e-05 | 0 | 0.024448498647873556 | 0.04042148388434113 | 0.0001796300000569768 | 0.02423252556938049 | 0 | 0 | 0.0165365295182153 250 | Industrie pharmacie | 0 | 0 | 0.007483579731411615 | 0 | 0.0012050463829287308 | 0.0010096198548609969 | 0 | 0 | 0.0013094492555570925 260 | Imprimerie, édition | 0.003850490127748716 | 0 | 0.00034960553853017674 | 0.0024074750605743516 | 0.0026348283418188793 | 0.004219999910011493 | 0 | 0 | 0.0024942301501276807 270 | Sidérurgie, aciérie | 3.49887525822784e-05 | 0 | 0.0047439888326270135 | 0.005338151425582054 | 0 | 0.019194204337637678 | 0 | 0 | 0.0036055268280564086 280 | Industrie de la fabrication | 0.0013652040832476825 | 3.5100055186660884e-05 | 0.0249340387998769 | 0.05767975088671136 | 0.01640677824342107 | 0.02810192201757341 | 0 | 0 | 0.026879935296409807 290 | Autres industries | 0 | 0 | 0.0024501435494391124 | 0.003144875509969624 | 0.020867696546825926 | 0.018583500646973727 | 0 | 0 | 0.008758820659836252 300 | Production et distribution de l'électricité | 0.06947713788308164 | 0 | 0.019500600903074157 | 0.04267964573588262 | 0 | 0.0005533829304039479 | 0 | 0.19845332274629573 | 0.0273809759561223 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014214094767498926 | 0.001896852835672211 | 0.01929694682829846 | 0 | 0 | 0.006180894091072833 500 | Traitement et distribution de l'eau | 0 | 0 | 0.022748858855304994 | 0.0019819412121222946 | 0.0008343401845219684 | 0 | 0 | 0 | 0.0034877607178545136 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264722 | 0.1040958450642486 | 0.018413269290371712 | 0.0831068693896808 | 0 | 0 | 0.06286858394109307 700 | Commerce de gros(1) | 0.13124578357411834 | 0.2471516313543641 | 0.20528303335286108 | 0.1995010593793792 | 0.24137325916276423 | 0.2177054345820054 | 0 | 0.19685511956468196 | 0.19518533372622363 800 | Commerce de détail(2) | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094284172 | 0.15470238550323373 | 0.1976361024955858 | 0.0958725958819438 | 0 | 0 | 0.12711798435764265 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006267164473730195 | 2.385592915848555e-05 | 0.00016018084371716918 | 7.061427728348546e-05 | 0.00034500623055115675 | 0.00186430004437118 | 0 | 0 | 0.0013512097051605095 1000 | Hotels,motels et pensions | 0.07665449197335521 | 0 | 0.008082008913542507 | 0.021832033581681377 | 0.026553848652226396 | 0.032154320350388586 | 0.03309958892968451 | 0 | 0.03184236147872377 1100 | Transport | 0.09146827186975796 | 0.09704788516902109 | 0.02357609313721236 | 0.007267142078651474 | 0.011260153152119742 | 0.007438345505349841 | 0 | 0 | 0.025253467852098716 1200 | Immobilier résidentiel | 0.08849242021499885 | 0.1703657294883034 | 0.10835488535116067 | 0.012240192716353846 | 0.07405676631824985 | 0.09939971182310096 | 0.6963959097141202 | 0 | 0.08868823655689739 1300 | Immobilier commercial | 0.13858948487959652 | 0.0400949687343445 | 0.09307473784202284 | 0.15815056450098688 | 0.08549504367395937 | 0.01405495890498898 | 0.25239681465026215 | 0 | 0.11640022793951206 1400 | Télécommunications | 0.09109138957730453 | 0 | 0.0012712711619721072 | 0.0015492401847733363 | 0.02825473856264272 | 0.0030960262375956662 | 0 | 0 | 0.024601316006330056 1500 | Services financiers | 0.005911211159572252 | 0 | 0.019886987453761235 | 0.013965687462471866 | 0.01760360756637757 | 0.15657676686340666 | 0 | 0.22433210570632472 | 0.025711561615520035 1510 | Services professionnels | 0.04152634677171916 | 0.005378390698097629 | 0.017231906400510286 | 0.0026585355402096366 | 0.006265804001948508 | 0.04453810111977087 | 0 | 0 | 0.015208931519644853 1520 | Services médicaux | 5.4672436583789785e-05 | 0 | 0.001184368099784881 | 0.00010301164579624491 | 5.667138918450163e-05 | 0.0025661886512912484 | 0 | 0 | 0.00039456310484840525 1530 | Services d'agence ou de représentation | 1.3336700180615877e-05 | 0.0005394451790281849 | 0.0010743401894979978 | 0.0009066146343464309 | 0.0006506267199976467 | 0.00038218756523912447 | 0 | 0 | 0.0006168586974749983 1540 | Services d'enseignement | 0.007404600213531818 | 0 | 0.001654991323344095 | 0.0017920579130053743 | 0.000689769733613562 | 0.000738340861976561 | 0 | 0 | 0.0022322442290580724 1550 | Autres services | 0.0023555344132257646 | 0.007217594385379882 | 0.012395897874770549 | 0.002891579703529715 | 0.040174521735935095 | 0.019012909642600596 | 0 | 0 | 0.016011628532652852 1560 | Crédit à la consommation | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155034 | 0.0895348396517553 | 0.0438390285314873 | 0.02537575938132253 | 0.016074765608899696 | 0 | 0.06968553181524241 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999924880634526 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999999 | 1 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.023772708242731477 | 0.030371435351490155 | 0.06076520815009685 | 0.04411324410974497 | 0.06530225942022515 | 0.011488476587976804 | 0 | 0 | 0.04428297323692504 Produits pétroliers | 0.01889248024621798 | 0 | 0.018463459136587188 | 0.0572004303361995 | 0.012682076196496566 | 0.033981218921599644 | 0 | 0.0006741657390756734 | 0.02900241416818882 Produits pharmaceutiques | 0 | 0 | 0.0017510871577628242 | 0.0016728179250598994 | 0.0020123880891389384 | 0.0010991638733459214 | 0 | 0 | 0.0013655892472602268 Produits alimentaires | 0.017483610521113885 | 0.006860711245501309 | 0.04685992500593483 | 0.058572457629399305 | 0.06170364532675384 | 0.08740856273641281 | 0 | 0 | 0.05040416072882907 Matériaux de construction | 0 | 0.12530017927056505 | 0.06056645050497192 | 0.009251190826086135 | 0.07364390877763939 | 0.07211462035063256 | 0 | 0 | 0.03820405575989886 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.07109694439327133 | 0.08461930548680763 | 0.01687690339750748 | 0.028690918529342052 | 0.02602898135251034 | 0.00285966750997664 | 0 | 0.04139873840217683 | 0.031244374356023567 S-Total | 0.13124574340333467 | 0.24715163135436413 | 0.2052830333528611 | 0.19950105935583184 | 0.24137325916276423 | 0.2089517099799444 | - | 0.042072904141252504 | 0.19450356749712558 (2) Commerce de détail Produits pétroliers | 0.0040531517313969305 | 0.0034165182894374054 | 0.0038193339489668555 | 0.0006141709509327423 | 0.003978678940500564 | 0.0026264185348589576 | 0 | 0 | 0.0027186321234823657 Produits pharmaceutiques | 4.394683734214991e-05 | 0 | 5.51157376848649e-05 | 9.909313055266751e-05 | 2.0035626948553203e-05 | 0.0036499080226685783 | 0 | 0 | 0.0003328072463314202 Véhicules automobiles | 0.00139810395507878 | 0 | 0.01577471358861049 | 0.043813935242254395 | 0.10111075927464974 | 0.04848193941681052 | 0 | 0 | 0.048185712251979144 Produits alimentaires | 0.0045576967743744465 | 0 | 0.04925214312748861 | 0.020075687138939927 | 0.03092121870889537 | 0.014888387306863234 | 0 | 0 | 0.022590977474494157 Librairie ,papeterie | 1.920163459739274e-05 | 0 | 0 | 0.0007045093164083674 | 0.004200002108394854 | 0 | 0 | 0 | 0.0014377379191280373 Appareils électro- ménagers électroni.équip. inform. | 0.0012266148795635717 | 0 | 0.004110841971168606 | 0.007351327002383923 | 0.016014696870109098 | 0.017073035790352686 | 0 | 0 | 0.008843090921825739 Matériaux de construction | 0 | 0 | 0.0017913861476811018 | 0.005242214747242929 | 0.02039875893010636 | 2.455252369659816e-06 | 0 | 0 | 0.007705342494431247 Autres | 0.013207872477365169 | 0.3362470060844579 | 0.0053042564206590105 | 0.07680144802161348 | 0.020991952035981244 | 0.009150550206552874 | 0 | 0 | 0.03530369162252632 S-Total | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094225953 | 0.15470238555032842 | 0.1976361024955858 | 0.09587269453047652 | - | 0 | 0.12711799205419844 [Secteur d'activitéjuin 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3877255 | 843479.9241299999 | 4902119.735789999 | 15042175.824 | 18828058.9 | 3576082.427 | 0 | 125005.3153 | 0 | 47194177.12622 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3489784 | 18914.974520000003 | 1059308.97982 | 1877923.695 | 3960235.0199999996 | 2940360.556 | 182892.34 | 142453.52453999998 | 0 | 13671873.089879999 Industries Manufacturières ( 200 à 290 ) | 1640734 | 1259.78496 | 3376363.6800300004 | 7204277.139 | 8030485.149999999 | 2010168.876 | 11232.94 | 241532.7238 | 0 | 22516054.293789998 Prêts aux Particuliers ( 1560 ) | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5652912 | 302513.27362 | 3459929.49726 | 7236089.2190000005 | 6842794.57 | 1293851.019 | 5242570.29 | 0 | 0 | 30030659.868880004 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4544588 | 139495.27721 | 426799.82866999996 | 374410.735 | 1694698.96 | 120135.27100000001 | 0 | 0 | 0 | 7300128.07188 Bâtiments et Travaux Publics ( 600 ) | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496 Électricité, Gaz et Eau ( 300 à 500 ) | 1729544 | 0 | 725713.27764 | 2500309.833 | 117134.32 | 226375.602 | 0 | 126020.19311 | 0 | 5425097.225750001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999 Total | 24893714 | 1437386.05913 | 17176865.261480004 | 42467615.833 | 42887602.279999994 | 11404122.991999997 | 5525516.96 | 635011.75675 | 0 | 146427835.14236 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.15575237186383678 | 0.5868151557282594 | 0.2853908242957027 | 0.354203444882613 | 0.43900936165835014 | 0.31357803046394933 | 0 | 0.196855119564682 | #DIV/0! | 0.32230331808386636 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14018735814189878 | 0.013159286191664182 | 0.06167068109892871 | 0.04422013475832415 | 0.09233985602983447 | 0.25783311509904494 | 0.03309958892968451 | 0.22433210570632478 | #DIV/0! | 0.09336935888308351 Industries Manufacturières ( 200 à 290 ) | 0.0659095705847669 | 0.0008764416156662214 | 0.19656460178456822 | 0.16964166689578616 | 0.18724490815717387 | 0.1762668534362647 | 0.002032921097033426 | 0.38035945198269755 | #DIV/0! | 0.15376894886070977 Prêts aux Particuliers ( 1560 ) | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155033 | 0.08953483965175532 | 0.043839028531487315 | 0.02537575938132254 | 0.016074765608899696 | 0 | #DIV/0! | 0.06968553181524242 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.22708190509459536 | 0.21046069822264787 | 0.20142962319318347 | 0.1703907572173408 | 0.15955180999220928 | 0.11345467072808998 | 0.9487927243643823 | 0 | #DIV/0! | 0.2050884644964095 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.1825596614470625 | 0.09704788516902109 | 0.02484736429918446 | 0.008816382263424814 | 0.039514891714762475 | 0.010534371742945513 | 0 | 0 | #DIV/0! | 0.04985478385842878 Bâtiments et Travaux Publics ( 600 ) | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264719 | 0.10409584506424864 | 0.01841326929037172 | 0.08310686938968083 | 0 | 0 | #DIV/0! | 0.06286858394109308 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06947713788308164 | 0 | 0.04224945975837914 | 0.05887568171550386 | 0.0027311930201941803 | 0.01985032975870242 | 0 | 0.19845332274629576 | #DIV/0! | 0.03704963076504966 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007364197635855528 | 0.00022124755100329488 | 0.017355681605616683 | 0 | 0 | 0 | #DIV/0! | 0.006011379296116889 Total | 1 | 1 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 0.9999999999999999 [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 | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828042 | 0.028598957306648444 | 0 | 0 | 0 | 0.00828841282531421 200 | Industrie alimentaire | 0.05438133192826381 | 0.0008874594866834863 | 0.036751336736828386 | 0.014837638404695017 | 0.049376835121172774 | 0.03477938421506152 | 0.0023501372078155655 | 0.19936053446435575 | 0.03637545925971366 210 | Industrie des boissons | 0 | 0 | 0.08595948116124351 | 0.01835298363035962 | 0.08948660079580759 | 0.03816532100376412 | 0 | 0 | 0.04437962072881642 220 | Industrie du bois | 0.0024026199207077717 | 0 | 0.00013118564603367406 | 0.00017579191202190557 | 0 | 5.045853023660025e-05 | 0 | 0 | 0.0004773859319952563 230 | Industrie chimique | 1.6088582335331173e-05 | 0 | 0.005378018030982725 | 0.014795885892800703 | 8.452496467272915e-05 | 0.004959734969251514 | 0 | 0.19154247428928303 | 0.006622437395694775 240 | Industrie du textile | 4.7609962399933825e-05 | 0 | 0.023618209037350055 | 0.03853030605326527 | 0.0025023530449363937 | 0.017306842302877518 | 0 | 0 | 0.01602335837042134 250 | Industrie pharmacie | 0 | 0 | 0.006465890939329622 | 0 | 0.0016259792465505901 | 0.00370873850305055 | 0 | 0 | 0.0015467100538191815 260 | Imprimerie, édition | 0.00034463666997123815 | 0 | 0.0005179550844653474 | 0.0015002081123871882 | 0.001806822216727273 | 0.0033772604457616524 | 0 | 0 | 0.0013502284945559116 270 | Sidérurgie, aciérie | 0.000609049023134507 | 0 | 0.00477548852020318 | 0.006740707069856918 | 0 | 0.01810996460612039 | 0 | 0 | 0.0041132902531000005 280 | Industrie de la fabrication | 0.001567718679246306 | 0.0013019214803825557 | 0.023105675745503686 | 0.047586028308518734 | 0.015432079605720838 | 0.02770237011995027 | 0 | 0 | 0.02340623928290564 290 | Autres industries | 0 | 0 | 0.004044554449329749 | 0.0027469361857321035 | 0.01806460022915583 | 0.012302034364890366 | 0 | 0 | 0.007481028400185933 300 | Production et distribution de l'électricité | 0.06418588013551482 | 0 | 0.020821369399567382 | 0.04735442228295006 | 0 | 0.0005057213081348134 | 0 | 0 | 0.026968796714479337 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013713391322858539 | 0.0015149665206866292 | 0.016928136501181808 | 0 | 0 | 0.005774949180123653 500 | Traitement et distribution de l'eau | 0 | 0 | 0.01745861382216667 | 0.0019196130699731296 | 0.0006661375165185506 | 0 | 0 | 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 | 0.06187056794196912 700 | Commerce de gros(1) | 0.13336184393340655 | 0.2353584301794385 | 0.21840577043711154 | 0.19257934081603706 | 0.24006295722770332 | 0.24071306813505697 | 0 | 0.11149358768879848 | 0.19593178552845242 800 | Commerce de détail(2) | 0.016130202798329097 | 0.32405361086419177 | 0.0642166622509609 | 0.16934540029444972 | 0.19702958658899233 | 0.09606817757082389 | 0 | 0.2259774248558406 | 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 | 0.0013674064424380305 1000 | Hotels,motels et pensions | 0.07364740927482288 | 0 | 0.008885663280447731 | 0.022114636000782808 | 0.014807524054914905 | 0.029611935288416998 | 0.03568331736763041 | 0 | 0.027933059390058995 1100 | Transport | 0.08647984616517274 | 0.09896957649027384 | 0.02253257466484539 | 0.007409090849878544 | 0.03562305170326106 | 0.006193664062027971 | 0 | 0 | 0.031207615879368922 1200 | Immobilier résidentiel | 0.09201952104640139 | 0.18378423135517882 | 0.115907745303478 | 0.010873085602518939 | 0.07641809787607269 | 0.05475522731947932 | 0.7130618622983225 | 0 | 0.08760538572535201 1300 | Immobilier commercial | 0.14912638123539676 | 0.04202193848167732 | 0.09169194479887968 | 0.16036113947548586 | 0.0848013176478224 | 0.010988505762974063 | 0.23113075429227498 | 0 | 0.11649372271954243 1400 | Télécommunications | 0.08570510223157381 | 0 | 0.0015877419374296885 | 0.0016582265108029159 | 0.033433470240538235 | 0.002908529586638917 | 0 | 0 | 0.025030380170501163 1500 | Services financiers | 0.010621349793585238 | 0 | 0.03261207366790355 | 0.01544776259996696 | 0.014751841175725571 | 0.1749865166398934 | 0 | 0.13425847294817905 | 0.029847764507738333 1510 | Services professionnels | 0.03942751927525833 | 0.00650575782644399 | 0.01395803102345413 | 0.003187416981803733 | 0.008478138034300604 | 0.04667741214058234 | 0 | 0 | 0.015649652751504452 1520 | Services médicaux | 6.798300416152168e-05 | 0 | 0.001093985689752713 | 8.379583112854176e-05 | 6.315617494475995e-05 | 0.003025088702603078 | 0 | 0 | 0.0004362319251683535 1530 | Services d'agence ou de représentation | 0 | 0.0005690147309510747 | 0.001076184845902859 | 0.0008889372905401433 | 0.0008366633179046622 | 0.00031966407725814513 | 0 | 0 | 0.0006555620048977706 1540 | Services d'enseignement | 0.007927517788813223 | 0 | 0.0017276833838323956 | 0.0013264148187423776 | 8.877425808440903e-05 | 0.0007121982004867258 | 0 | 0 | 0.002014307670649963 1550 | Autres services | 0.002641544112182187 | 0.007105280379507857 | 0.008961996794238813 | 0.0038411981731792523 | 0.013948884462969683 | 0.05552338729198199 | 0 | 0 | 0.011321350252772694 1560 | Crédit à la consommation | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977287 | 0.05319659970447002 | 0.019160517605178163 | 0.017773928833956665 | 0 | 0.07871536547781263 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999896386032242 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 (1) Commerce de gros Import-export | 0.02290249042510756 | 0.03152122809825547 | 0.051281993708219044 | 0.0432640364336155 | 0.06629746109934138 | 0.02850147013972066 | 0 | 0 | 0.044117660178642305 Produits pétroliers | 0.02241602940433248 | 0 | 0.03570364600103933 | 0.051198774933471046 | 0.012347076846894315 | 0.041945908649705495 | 0 | 0 | 0.029764633891912043 Produits pharmaceutiques | 0 | 0 | 0.0013840723718587693 | 0.0015589036624669066 | 0.0018517603139119492 | 0.0019666116611150555 | 0 | 0 | 0.0013071895718507031 Produits alimentaires | 0.008835342278468527 | 0.007455756560818763 | 0.051453639991073594 | 0.0563946508300093 | 0.052821521238251685 | 0.08762612184293841 | 0 | 0 | 0.04633263700982578 Matériaux de construction | 0 | 0.1152676318541244 | 0.06261730769867731 | 0.00977289220564002 | 0.07770589210258012 | 0.07763538618552286 | 0 | 0 | 0.0402090011600753 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.07920798182549799 | 0.08111381366623986 | 0.015965110666243464 | 0.03039008275083429 | 0.029039245626723848 | 0.0030376444061406553 | 0 | 0.11149358768879848 | 0.03420066994725796 S-Total | 0.13336184393340655 | 0.23535843017943853 | 0.2184057704371115 | 0.19257934081603706 | 0.2400629572277033 | 0.24071314288514314 | - | 0.11149358768879848 | 0.1959317917595641 (2) Commerce de détail Produits pétroliers | 0.004640244434530924 | 0.003603793880883081 | 0.005194276899602855 | 0.0013709704858163372 | 0.004448998072987759 | 0.0034429480839262764 | 0 | 0.21358924844597413 | 0.004850838600179821 Produits pharmaceutiques | 6.0987968363551595e-05 | 0 | 5.960490028666436e-05 | 0 | 1.6267366664560488e-05 | 0.003329178630512769 | 0 | 0 | 0.0002996289177278029 Véhicules automobiles | 0.008399551548254992 | 0 | 0.016157468847275896 | 0.04876670347073674 | 0.09147648533916365 | 0.05518600655547341 | 0 | 0 | 0.04818470255031244 Produits alimentaires | 1.0186520880793923e-05 | 0 | 0.03146786535243092 | 0.021077635775906316 | 0.035648905915604635 | 0.011872642405168842 | 0 | 0.012388176409866499 | 0.021100263939053877 Librairie ,papeterie | 2.2865023264614683e-05 | 0 | 0 | 0.000731908102578749 | 0.004083195484480433 | 6.221766983551202e-07 | 0 | 0 | 0.001385924364733574 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0031797763684713117 | 0.009871402370947418 | 0.01627172692579477 | 0.017981973171088725 | 0 | 0 | 0.009377835319710379 Matériaux de construction | 0.001154268344612537 | 0 | 0.0019357155779463576 | 0.005175104468296948 | 0.02024208748953818 | 7.99941469313726e-07 | 0 | 0 | 0.007720689161741798 Autres | 0.0018421426773954194 | 0.32044981698330866 | 0.006221954304325306 | 0.0823516756201672 | 0.02484191999475835 | 0.004254088733810395 | 0 | 0 | 0.03536979372004292 S-Total | 0.016130246517302833 | 0.3240536108641917 | 0.06421666225033931 | 0.16934540029444972 | 0.19702958658899233 | 0.09606825969814808 | - | 0.22597742485584063 | 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! | 0.0010982483260902336 200 | Industrie alimentaire | 0.046521435188543375 | 0.0008776333140608267 | 0.0443711135184841 | 0.01013257004839647 | 0.042388285342997094 | 0.05323486276795954 | 0.0029302635018359393 | 0.20175657380153808 | #DIV/0! | 0.05859091925349732 210 | Industrie des boissons | 0 | 0 | 0.035342280791475104 | 0.03676770672080571 | 0.10161216906573071 | 0.03751953908598292 | 0 | 0 | #DIV/0! | 0.050737241914078114 220 | Industrie du bois | 0.002503921574979849 | 0 | 6.816435517922808e-06 | 0.00033085491838038726 | 2.244410319885634e-05 | 0.002648609558668285 | 0 | 0 | #DIV/0! | 0.00036984037320131764 230 | Industrie chimique | 1.537495703934995e-06 | 0 | 0.0009451858363371886 | 0.012844141447551393 | 0.0004178416013495281 | 0.0008418187689168934 | 0 | 0.193844551299517 | #DIV/0! | 0.003423073362477809 240 | Industrie du textile | 0.000759413056622178 | 0 | 0.027312249501854836 | 0.02962669559481265 | 0.0018132043602822404 | 0.016387861425360122 | 0 | 0.039867242923235145 | #DIV/0! | 0.016683920840721327 250 | Industrie pharmacie | 0 | 0 | 0.001293578938678159 | 0 | 0.0006900029256677874 | 0.013480090042708235 | 0 | 0 | #DIV/0! | 0.0014082100521657626 260 | Imprimerie, édition | 0.00022749445362152445 | 0 | 0.0002917748523149431 | 0.0025362676903994902 | 0.0029274129803170223 | 0.0050793990826424554 | 0 | 0 | #DIV/0! | 0.0014815447178050274 270 | Sidérurgie, aciérie | 0.0010584010604766797 | 0 | 0.006839371967374083 | 0.007835667414739005 | 0 | 0.03182969852509902 | 0 | 0 | #DIV/0! | 0.008417094011774219 280 | Industrie de la fabrication | 0.0023289765280963886 | 0.0019339100526418278 | 0.023220725978241995 | 0.03631192131297896 | 0.0168881114328742 | 0.02390228551425584 | 0 | 0 | #DIV/0! | 0.022050056172071723 290 | Autres industries | 0 | 0 | 0.003116654843536122 | 9.721932910625789e-05 | 0.007153237127102897 | 0.009761299657670586 | 0 | 0 | #DIV/0! | 0.014705418797015238 300 | Production et distribution de l'électricité | 0.045884582503749154 | 0 | 0.026410139789269187 | 0.06126236301632865 | 0 | 0.0004576385701328483 | 0 | 0.21528311178546977 | #DIV/0! | 0.014859721266559186 400 | Production et distribution de gaz | 0 | 0 | 0.0005160295419361865 | 0.014440169592536432 | 0.0010762129379055412 | 0.01564874786645513 | 0 | 0 | #DIV/0! | 0.0018886437545549246 500 | Traitement et distribution de l'eau | 0 | 0 | 0.03436633841136096 | 0.001156359395576123 | 0.0009699637477326897 | 0.0010077108233756582 | 0 | 0 | #DIV/0! | 0.004986999774142525 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05323123117219825 | 0.08561185399310632 | 0.09721475997615961 | 0.09910671234255838 | 0.048419852590467265 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.06503896516971103 700 | Commerce de gros(1) | 0.12669014019929128 | 0.2164237274738085 | 0.19496799095899406 | 0.16345168399249607 | 0.15610512818359823 | 0.18804917258361287 | 0 | 0.04669335258319906 | #DIV/0! | 0.21309221736408002 800 | Commerce de détail(2) | 0.018515841120245728 | 0.30816203290078154 | 0.07925455608194938 | 0.16831628541758337 | 0.1954186496256808 | 0.11194755715074563 | 0 | 0.05900892823338956 | #DIV/0! | 0.12038639267673597 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! | 0.00028092620225196683 1000 | Hotels,motels et pensions | 0.05206591924973724 | 0 | 0.004117357711294149 | 0.022087985881253307 | 0.001143881378248014 | 0.029392343395479522 | 0.03606761995547635 | 0 | #DIV/0! | 0.027527137340078504 1100 | Transport | 0.10899252134634325 | 0.10284072744449527 | 0.019164043785720564 | 0.008732444309485783 | 0.037126993310807176 | 0.007627459533835197 | 0 | 0 | #DIV/0! | 0.015705632492425896 1200 | Immobilier résidentiel | 0.11204604272491901 | 0.19556703594209024 | 0.11453362026197425 | 0.012904932313433344 | 0.06998959068145998 | 0.0329710069593323 | 0.8100673311859027 | 0 | #DIV/0! | 0.08446219705804443 1300 | Immobilier commercial | 0.18541682030184006 | 0.04387979278698162 | 0.11533433408425728 | 0.1327909372052631 | 0.11748184279861773 | 0.016181344057282936 | 0.11682085102926863 | 0 | #DIV/0! | 0.09397107838792715 1400 | Télécommunications | 0.0004977093235880998 | 0 | 0.0023683638949649147 | 0.000983727453292213 | 0.03967214133691987 | 0.003002447584317244 | 0 | 0 | #DIV/0! | 0.009468695079793962 1500 | Services financiers | 0.01852226565586574 | 0 | 0.04444547791557527 | 0.041144029908840266 | 0.04743946246740317 | 0.17645382460343056 | 0 | 0.24354623937365147 | #DIV/0! | 0.03597033314316564 1510 | Services professionnels | 0.045027758112170524 | 0.018046564322018423 | 0.015989037524408518 | 0.003438447341892283 | 0.006846342907033737 | 0.030106995094146962 | 0 | 0 | #DIV/0! | 0.011204950027651641 1520 | Services médicaux | 0.00012843580183942693 | 0 | 0.00036012902799603273 | 0.00012774895458424017 | 0.00010366551434540365 | 0.003737903688092699 | 0 | 0 | #DIV/0! | 0.000808422352375886 1530 | Services d'agence ou de représentation | 6.907748555536514e-05 | 0.0006830585423604155 | 0.0012270011495988421 | 0.0008621649366040917 | 0.0005095220525708091 | 0.0010424383580016944 | 0 | 0 | #DIV/0! | 0.0004439494795276442 1540 | Services d'enseignement | 0.0025278076689516965 | 0 | 0.001605079332524998 | 0.001375460848502046 | 0.0001991008304978064 | 0.0007319122239852245 | 0 | 0 | #DIV/0! | 0.0032193241526610825 1550 | Autres services | 0.011025875887965544 | 0.007141270649538743 | 0.0024383372524692387 | 0.016856279997944024 | 0.010442362089009121 | 0.04457095995315128 | 0 | 0 | #DIV/0! | 0.04578863220426422 1560 | Crédit à la consommation | 0.1594589508689404 | 0.01880750760969107 | 0.09519620043615105 | 0.11396040822008807 | 0.06956768521724441 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.07193021425315027 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! | 0.03865242089777981 Produits pétroliers | 0 | 0 | 0.01862191524690388 | 0.029188983081645477 | 1.4857189709222868e-05 | 0.011714171469486799 | 0 | 0 | #DIV/0! | 0.029399216227591205 Produits pharmaceutiques | 0 | 0 | 0.0011674900516183567 | 0.002394996847481722 | 0.002389828225268846 | 0.0018651228828388193 | 0 | 0 | #DIV/0! | 0.0013588538175843214 Produits alimentaires | 0.013762132330677822 | 0.008379139270402966 | 0.05817693980196441 | 0.056009781613411844 | 0.05097979142310112 | 0.08768217374575753 | 0 | 0 | #DIV/0! | 0.04769158771028112 Matériaux de construction | 0 | 0.0972490997035674 | 0.0054314559737491976 | 0.006479230770448512 | 0.03458387945524296 | 0.01004647947035307 | 0 | 0 | #DIV/0! | 0.04110276259258055 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0004951905958704908 Autres | 0.08793108547471251 | 0.07690964689872748 | 0.024085804053600748 | 0.031082468410913146 | 0.026397435422510388 | 0.003469168798110232 | 0 | 0.04669335258319906 | #DIV/0! | 0.03810224986066481 S-Total | 0.1266901471614135 | 0.2164237270093496 | 0.19496799095899403 | 0.16345168401971288 | 0.1561051279201729 | 0.13318171661996817 | - | 0.04669335258319906 | #DIV/0! | 0.1968022817023523 (2) Commerce de détail Produits pétroliers | 0.0017056185227159225 | 0.0035638917768418266 | 0.004148444450347362 | 0.0014462807047499026 | 0.004301962765814699 | 0.003740304773184614 | 0 | 0 | #DIV/0! | 0.002694615678102549 Produits pharmaceutiques | 0.00013711215751116345 | 0 | 7.371418249181061e-05 | 7.415342694407755e-05 | 3.272954596829972e-05 | 0.004427152094865452 | 0 | 0 | #DIV/0! | 6.430500727384582e-05 Véhicules automobiles | 0.012638330700280422 | 0 | 0.02148655795163466 | 0.062198953439221695 | 0.13338576630516477 | 0.05614563063750223 | 0 | 0 | #DIV/0! | 0.028817020089150304 Produits alimentaires | 3.038396868604464e-05 | 0 | 0.04508363647393083 | 0.013830409046767729 | 0.011867344130809126 | 0.007722665845196172 | 0 | 0 | #DIV/0! | 0.020355468827336742 Librairie ,papeterie | 5.1943665827944456e-05 | 0 | 0 | 0.0007792018056677788 | 0.0009953845573803797 | 0 | 0 | 0 | #DIV/0! | 0.0010630818469678364 Appareils électro- ménagers électroni.équip. inform. | 1.646644171274166e-06 | 0 | 0.003349234363797767 | 0.006151586620467018 | 0.007987945129158272 | 0.02837600294956363 | 0 | 0.05382077794636744 | #DIV/0! | 0.007413017808008565 Matériaux de construction | 0.0015926765966192775 | 0 | 0 | 0.005122828364919108 | 0.013569803157054028 | 5.76106793581318e-06 | 0 | 0 | #DIV/0! | 0.004711246481928256 Autres | 0.0023581434878293213 | 0.3045981411239396 | 0.0048487310424090106 | 0.07871287203606286 | 0.023277714297756588 | 0.011528354167176126 | 0 | 0.005188150287022118 | #DIV/0! | 0.04404598200859955 S-Total | 0.01851585574364137 | 0.3081620329007815 | 0.07899031846461144 | 0.16831628544480015 | 0.19541864988910612 | 0.11194587153542403 | - | 0.05900892823338956 | #DIV/0! | 0.10916473774736764 [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! | 0.03865242089777981 Produits pétroliers | 0 | 0 | 0.01156683521508948 | 0.002066431456731058 | 3.4751778891118154e-05 | 0.01222795719722102 | 0 | 0 | #DIV/0! | 0.029399216227591205 Produits pharmaceutiques | 0 | 0 | 0.0012636550956188616 | 0.0036856378007603992 | 0.002427476142996687 | 0.0015776623294002608 | 0 | 0 | #DIV/0! | 0.0013588538175843214 Produits alimentaires | 0.018230016801671845 | 0.0091878802950453 | 0.07077155094723164 | 0.05647907253331441 | 0.04418836054622014 | 0.08923919808019179 | 0 | 0 | #DIV/0! | 0.04769158771028112 Matériaux de construction | 0 | 0.08765199325784023 | 0.004692126298616055 | 0.006700106968356265 | 0.02558042789023936 | 0.07284243543715375 | 0 | 0 | #DIV/0! | 0.04110276259258055 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0004951905958704908 Autres | 0.05884388847626451 | 0.07629032033182655 | 0.03091621505069716 | 0.02982269244675428 | 0.027019138103501275 | 0.00416839624796216 | 0 | 0.05903991712760856 | #DIV/0! | 0.03810224986066481 S-Total | 0.08573317234689849 | 0.20887754529064806 | 0.1904796208375255 | 0.14532496151208368 | 0.15484528262525077 | 0.1906356644281781 | - | 0.05903991712760856 | #DIV/0! | 0.1968022817023523 (2) Commerce de détail Produits pétroliers | 0.0018724655492634032 | 0.003898021595299597 | 0.005266543567000862 | 0.0024696992181866646 | 0.004032965993997896 | 0.004725416827885932 | 0 | 0 | #DIV/0! | 0.002694615678102549 Produits pharmaceutiques | 0.00035274209441228064 | 0 | 4.0289335774763964e-05 | 0.00017678498644142446 | 3.691964000079727e-05 | 0.004685520037037398 | 0 | 0 | #DIV/0! | 6.430500727384582e-05 Véhicules automobiles | 0.01306424151625696 | 0 | 0.022541773001750236 | 0.06011965057475518 | 0.1057690657552073 | 0.054389555872924183 | 0 | 0 | #DIV/0! | 0.028817020089150304 Produits alimentaires | 5.21660843849148e-05 | 0 | 0.0358985097902353 | 0.013654201626999209 | 0.011757026052394164 | 0.010152607976851219 | 0 | 0 | #DIV/0! | 0.020355468827336742 Librairie ,papeterie | 6.19207180503866e-05 | 0 | 0 | 0.0005303144762653937 | 0.0010048242678634678 | 0 | 0 | 0 | #DIV/0! | 0.0010630818469678364 Appareils électro- ménagers électroni.équip. inform. | 4.60467179239666e-06 | 0 | 0.003487855681180616 | 0.004971697875111639 | 0.008351592756051162 | 0.02532106095907296 | 0 | 0.043703741193281756 | #DIV/0! | 0.007413017808008565 Matériaux de construction | 0.00156401312695957 | 0 | 0 | 0.004228750965879334 | 0.01122630888051208 | 3.621401015482378e-05 | 0 | 0 | #DIV/0! | 0.004711246481928256 Autres | 0.00252790422623902 | 0.2945853734019923 | 0.005262097465155554 | 0.08478244665636377 | 0.027491252953731112 | 0.009670675203293663 | 0 | 0.006559990791956506 | #DIV/0! | 0.04404598200859955 S-Total | 0.019500057987358932 | 0.29848339499729193 | 0.07249706884109733 | 0.1709335463800026 | 0.16966995629975798 | 0.1089810508872202 | - | 0.050263731985238265 | #DIV/0! | 0.10916473774736764 [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 [text truncated at 1,600,000 bytes for storage]