(2022-09) Rapports statistiques sur le système bancaire, septembre 2022

Banque de la République d'Haïti (BRH) • 2022 • 359 pages

Resume — Le système bancaire en septembre 2022 : actif total 610,2 milliards de gourdes, dépôts 500,2 milliards, prêts bruts 159,0 milliards, prêts improductifs 6,67 % des prêts bruts. Le classeur contient le bilan, le compte de résultat, les ratios prudentiels, la classification des prêts, le crédit par secteur, les dépôts par succursale et les tableaux de risques, pour le système et pour chacune des 8 banques déclarantes.

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Constats Cles

Actif total du système bancaire : 610,2 milliards de gourdes.
Dépôts totaux : 500,2 milliards de gourdes.
Portefeuille brut : 159,0 milliards de gourdes.
Prêts improductifs en part des prêts bruts : 6,67 %.
Banques déclarantes : 8.

Description Complete

État de supervision de la BRH pour le trimestre clos en septembre 2022, déposé au titre du trimestre 4 de l'exercice 2022 : l'exercice haïtien se termine le 30 septembre, de sorte que ce trimestre se clôt en septembre 2022. Le classeur compte 359 feuilles et présente le système ainsi que chaque banque agréée nommément. Il contient le bilan en gourdes et en devises, le compte de résultat du trimestre et cumulé depuis octobre, les ratios prudentiels et d'adéquation des fonds propres, la classification des prêts par catégorie, le crédit par secteur au sens de la Circulaire 83-4, les dépôts et comptes par succursale et localité, les tableaux de grands risques et de parties liées, ainsi que les effectifs et le nombre de succursales. À cette date, le système déclare 610,2 milliards de gourdes d'actif, 500,2 milliards de dépôts et 159,0 milliards de prêts bruts pour 8 banques. Il s'agit de l'édition définitive de la BRH pour ce trimestre.

Sujets

Geographie

Periode Couverte

2022-09 — 2022-09

Mots-cles

supervision bancaire, système bancaire, bilan, compte de résultat, ratios prudentiels, prêts improductifs, crédit par secteur, dépôts, BRH, Haïti, period:2022-09, series:brh-rapports-statistiques

Entites

Banque de la République d'Haïti (BRH), Banque Nationale de Crédit, Banque Populaire Haïtienne, Banque de l'Union Haïtienne, Capital Bank, Citibank N.A. Haiti, Société Générale Haïtienne de Banque d'Épargne et de Logement (Sogebel), Société Générale Haïtienne de Banque (Sogebank), Unibank

Texte Integral du Document

Texte extrait du document original pour l'indexation.

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 4 2022 (1er juillet au 30 septembre 2022) [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 septembre 2022 | 39 Ratios financiers clés juin 2022 | 40 Ratios financiers clés mars 2022 | 41 Ratios financiers clés décembre 2021 | 42 Ratios financiers clés septembre 2021 | 43 Ratios financiers clés juin 2021 | 44 Ratios financiers clés mars 2021 | 45 Ratios financiers clés décembre 2020 | 46 Ratios financiers clés septmebre 2020 | 47 Ratios financiers clés juin 2020 | 48 Ratios financiers clés mars 2020 | 49 Ratios financiers clés décembre 2019 | 50 Ratios financiers clés septembre 2019 | 51 Ratios financiers clés juin 2019 | 52 Ratios financiers clés mars 2019 | 53 Ratios financiers clés décembre 2018 | 54 Ratios financiers clés septembre 2018 | 55 Ratios financiers clés juin 2018 | 56 Ratios financiers clés mars 2018 | 57 Ratios financiers clés décembre 2017 | 58 Ratios financiers clés septembre 2017 | 59 Bilan au 30 septembre 2022 Gourdes et devises | 60 Devises seulement | 61 Gourdes seulement | 62 Bilan au 30 juin 2022 | 63 Bilan au 31 mars 2022 | 64 Bilan au 31 décembre 20201 | 65 Bilan au 30 septembre 2021 | 66 Bilan au 30 juin 2021 | 67 Bilan au 31 mars 2021 | 68 Bilan au 31 décembre 2020 | 69 Bilan au 30 septembre 2020 | 70 Bilan au 30 juin 2020 | 71 Bilan au 31 mars 2020 | 72 Bilan au 31 décembre 2019 | 73 Bilan au 30 septembre 2019 | 74 Bilan au 30 juin 2019 | 75 Bilan au 31 mars 2019 | 76 Bilan au 31 décembre 2018 | 77 Bilan au 30 septembre 2018 | 78 Résultats (Trim. 3 2022/ Trim. 3 2021) | 79 Résultats (Cumul oct.21-juin 22 / Cumul oct. 20-juin 21) | 80 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 82 BPH (Banque Populaire Haïtienne) | 88 BUH (Banque de l'Union Haïtienne) | 94 CAPITALBK (Capital Bank) | 100 CBNA (Citibank N.A.) | 106 SOGEBK (Société Générale Haïtienne de Banque) | 112 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 118 UNIBK (Unibank) | 124 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 131 Limites relatives à la concentration des risques de crédit | 132 Classification des prêts | 225 Suffisance des fonds propres | 227 ANNEXE 1 Information sur le calcul des ratios financiers clés | 229 [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 4 2022 et TRIM 4 2021 doivent être lues comme quatrième trimestre de l'exercice fiscal 2021-2022 (1er juillet au 30 septembre 2022) et quatrième trimestre de l'exercice fiscal 2020-2021 (1er juillet au 30 septembre 2021). Les périodes CUMUL 2022 et CUMUL 2021 doivent être lues respectivement comme période cumulative allant du 1er octobre 2021 au 30 septembre 2022 et période cumulative allant du 1er octobre 2020 au 30 septembre 2021. [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 Mars 2021 | 821 | 136 | 468 | 1222 | 1299 | 802 | 78 | 26 | 0 | 4852 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 Mars 2022 | 758 | 130 | 475 | 1192 | 1342 | 804 | 75 | 24 | 0 | 4800 Juin 2022 | 864 | 130 | 481 | 1183 | 1336 | 803 | 76 | 23 | 0 | 4896 Sept. 2022 | 854 | 123 | 487 | 1181 | 1351 | 800 | 77 | 22 | 0 | 4895 [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 Mars 2022 | 29419 | 250 | 774 | 35088 | 14587 | 4545 | 437 | 1 | ** | 85101 Juin 2022 | 29505 | 197 | 741 | 32431 | 14698 | 4870 | 444 | 1 | ** | 82887 Sept. 2022 | 28662 | 198 | 702 | 30929 | 13629 | 4944 | 443 | 1 | ** | 79508 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 30 Septembre 2022 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38862 | 3547 | 10944 | 26930 | 82072 | 11859 | 3947 | 132 | 178293 Épargne | 512427 | 12941 | 92539 | 615233 | 1213110 | 103870 | 3566 | 1045 | 2554731 À Terme | 3810 | 121 | 833 | 10949 | 4640 | 688 | 709 | 5 | 21755 TOTAL | 555099 | 16609 | 104316 | 653112 | 1299822 | 116417 | 8222 | 1182 | 2754779 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Juin 2022 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38941 | 3517 | 10796 | 26767 | 83273 | 11537 | 3884 | 134 | 178849 Épargne | 508555 | 12822 | 89335 | 596201 | 1192808 | 98699 | 3450 | 1025 | 2502895 À Terme | 3912 | 119 | 867 | 10963 | 4746 | 704 | 713 | 5 | 22029 TOTAL | 551408 | 16458 | 100998 | 633931 | 1280827 | 110940 | 8047 | 1164 | 2703773 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Mars 2022 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 41481 | 3494 | 10555 | 26671 | 84745 | 11180 | 3867 | 140 | 182133 Épargne | 504924 | 12706 | 85306 | 577786 | 1170035 | 93080 | 3505 | 1019 | 2448361 À Terme | 3961 | 121 | 871 | 10830 | 4755 | 702 | 722 | 5 | 21967 TOTAL | 550366 | 16321 | 96732 | 615287 | 1259535 | 104962 | 8094 | 1164 | 2652461 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 [dépôts P-AU-P et Prov. ] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 30 Septembre 2022 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 37952725.57518623 | 2102300.52228 | 14933349.939115493 | 15555633 | 52727986.16043565 | 72962953.79097001 | 3706701.50443 | 3348164 | 0 | 203289814.4924174 Épargne | 17151766.082469292 | 585333.72123 | 5361413.976565147 | 7244277 | 27543019.065546248 | 49980980.29990001 | 1182869.09714 | 735458 | 0 | 109785117.24285069 À terme | 10100261.791598212 | 2003049.48586 | 12128842.33435404 | 9554314 | 21245769.12574724 | 25724493.05631 | 3132248.05641 | 4424 | 0 | 83893401.8502795 TOTAL | 65204753.44925374 | 4690683.72937 | 32423606.25003468 | 32354224 | 101516774.35172912 | 148668427.14718002 | 8021818.657980001 | 4088046 | 0 | 396968333.5855476 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 30 Septembre 2022 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 7632020.428435492 | N/A | 1608476.281657216 | 2082662 | 8802608.885654338 | 11974108.513709998 | N/A | N/A | N/A | 32099876.109457046 Épargne | 16973138.91757532 | N/A | 2744996.294107936 | 2184543 | 15578140.603633752 | 24735903.918530002 | N/A | N/A | N/A | 62216722.73384701 À terme | 2284144.208436949 | N/A | 1001140.156836713 | 406823 | 3434771.535082753 | 1769487.1393499994 | N/A | N/A | N/A | 8896366.039706415 TOTAL | 26889303.554447763 | N/A | 5354612.732601864 | 4674028 | 27815521.024370845 | 38479499.57159 | N/A | N/A | N/A | 103212964.88301046 | 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 30 Septembre 2022 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 45584746.00362172 | 2102300.52228 | 16541826.220772708 | 17638295 | 61530595.046089984 | 84937062.30468 | 3706701.50443 | 3348164 | 0 | 235389690.6018744 Épargne | 34124905.000044614 | 585333.72123 | 8106410.270673083 | 9428820 | 43121159.66918 | 74716884.21843001 | 1182869.09714 | 735458 | 0 | 172001839.9766977 À terme | 12384406.000035161 | 2003049.48586 | 13129982.491190752 | 9961137 | 24680540.660829995 | 27493980.195660003 | 3132248.05641 | 4424 | 0 | 92789767.8899859 TOTAL | 92094057.00370151 | 4690683.72937 | 37778218.98263654 | 37028252 | 129332295.37609997 | 187147926.71877003 | 8021818.657980001 | 4088046 | 0 | 500181298.4685581 [ 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 2022 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 16511006.5514955 | 170427.18426 | 946955.287470803 | 12376666.920044713 | 3235912.6550800004 | 1138556 | 1529717.45375 | 3348164 | 39257406.052101016 Place Geffrard | 0 | 0 | 0 | 3963993.4607671085 | 0 | 0 | 0 | 0 | 3963993.4607671085 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée | 1362236.5054883868 | 0 | 0 | 1434161.0821739123 | 0 | 0 | 0 | 0 | 2796397.587662299 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1362236.5054883868 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1362236.5054883868 Delmas | 4235687.827624607 | 39372.22237 | 1080414.858590988 | 7015511.1821213635 | 11641038.344309999 | 1558933 | 1309826.98853 | 0 | 26880784.42354696 Delmas 52 | 2831908.515415764 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2831908.515415764 Delmas 2 | 513231.86081671296 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 513231.86081671296 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1271116 | 0 | 0 | 1271116 Delmas 32 | 890547.4513921299 | 0 | 0 | 0 | 1298233.87818 | 0 | 0 | 0 | 2188781.32957213 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 287817 | 0 | 0 | 287817 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 1309826.98853 | 0 | 1309826.98853 Delmas 48 | 0 | 0 | 0 | 1167248.9219750178 | 0 | 0 | 0 | 0 | 1167248.9219750178 Delmas-Aéroport | 0 | 0 | 0 | 5848262.260146346 | 0 | 0 | 0 | 0 | 5848262.260146346 Delmas 16 | 0 | 0 | 0 | 0 | 2322628.25385 | 0 | 0 | 0 | 2322628.25385 Delmas 18 | 2578750.02517 | 2578750.02517 Delmas 71 | 0 | 0 | 0 | 0 | 5378695.419469999 | 0 | 0 | 0 | 5378695.419469999 Kiosque Mégamart | 0 | 0 | 0 | 0 | 4534.41014 | 0 | 0 | 0 | 4534.41014 Delmas 35 | 627626.129123726 Delmas 64 | 452788.72946726205 Delmas 75 | 58196.3575 Pétion-Ville | 8337312.546317678 | 973629.02259 | 5623665.083046276 | 10998267.258786723 | 23861352.39299 | 4509928 | 232721.97157999998 | 0 | 54536876.27531068 P-V 1 | 2864717.222656004 | 973629.02259 | 2793731.0005452214 | 3379810.4784328183 | 12267857.83435 | 2165805 | 232721.97157999998 | 0 | 24678272.530154042 Place Boyer | 1418288.218000857 | 0 | 220942.634600906 | 0 | 0 | 1211285 | 0 | 0 | 2850515.852601763 Choucoune Plaza | 2125576.587971078 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2125576.587971078 P-V 2 | 0 | 0 | 2272906.840855134 | 0 | 5150069.7796 | 1132838 | 0 | 0 | 8555814.620455135 P-V 3 | 1928730.517689739 | 0 | 0 | 4505056.553528979 | 3290773.67652 | 0 | 0 | 0 | 9724560.747738719 P-V 4 | 0 | 0 | 0 | 3113400.2268249253 | 1778795.2101200002 | 0 | 0 | 0 | 4892195.436944925 Juvénat | 336084.60704501404 | 1373855.8924 Lalue | 900683.1406157501 | 0 | 459252.120974184 | 1755893.6368196772 | 1799696.30909 | 0 | 0 | 0 | 4915525.207499612 Champs de Mars | 0 | 0 | 0 | 1580168.4385087546 | 0 | 0 | 0 | 0 | 1580168.4385087546 Laboule | 0 | 0 | 0 | 0 | 425417.55037 | 348444 | 0 | 0 | 773861.5503700001 Aéroport | 0 | 120724.12176000001 | 46280.47954137599 | 3311853.1237135227 | 2056761.23786 | 3645844 | 0 | 0 | 9181462.962874899 Aéroport 2 | 0 | 0 | 0 | 2128025.382866547 | 0 | 529312 | 0 | 0 | 2657337.382866547 Carrefour | 541545.346015332 | 0 | 338816.134187961 | 709409.9663292533 | 0 | 191052 | 0 | 0 | 1780823.4465325463 Arcachon | 165242.708354783 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 165242.708354783 Carrefour | 376302.63766054896 | 0 | 0 | 429678.2083803945 | 0 | 0 | 0 | 0 | 805980.8460409434 Truitiers | 0 | 0 | 0 | 279731.7579488587 | 0 | 0 | 0 | 0 | 279731.7579488587 Thor | 0 | 0 | 0 | 0 | 1404304.21103 | 0 | 0 | 0 | 1404304.21103 Diquini | 0 | 0 | 0 | 415840.07921623054 | 0 | 65597 | 0 | 0 | 481437.07921623054 Rue du Quai | 0 | 0 | 0 | 100142.60743549542 | 0 | 0 | 0 | 0 | 100142.60743549542 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 413960.9803599999 | 0 | 0 | 0 | 413960.9803599999 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 734512 | 0 | 0 | 734512 Parc Industriel | 2354930.129644288 | 692482.23485 | 4780514.575306272 | 0 | 0 | 0 | 0 | 0 | 7827926.9398005605 Varreux | 0 | 0 | 0 | 0 | 6944796.45405 | 204083 | 0 | 0 | 7148879.45405 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1018340.79412 | 0 | 0 | 0 | 1018340.79412 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 1262.16771 | 0 | 0 | 0 | 1262.16771 Canapé-Vert | 0 | 0 | 0 | 0 | 1454994.5933400001 | 0 | 0 | 0 | 1454994.5933400001 Rue Capois | 0 | 0 | 0 | 0 | 1559283.3931099998 | 0 | 0 | 0 | 1559283.3931099998 Damien | 315412.252757656 | 0 | 228733.86461832 | 729999.4898226984 | 2605939.0618100003 | 0 | 0 | 0 | 3880084.6690086746 Frères | 349597.307860732 | 0 | 583274.335047096 | 1442936.2536291562 | 2141735.31801 | 0 | 0 | 0 | 4517543.214546984 Portail Léogane | 0 | 0 | 0 | 136977.23687813387 | 229055.99988 | 0 | 0 | 0 | 366033.23675813386 Croix des Bossales | 0 | 0 | 0 | 0 | 89588.84611 | 0 | 0 | 0 | 89588.84611 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 1338474.5476300002 | 0 | 0 | 0 | 1338474.5476300002 Martissant | 0 | 0 | 0 | 642287.4701169999 | 670679.9176700001 | 0 | 0 | 0 | 1312967.387787 Nazon | 0 | 0 | 0 | 0 | 330746.97758999997 | 0 | 0 | 0 | 330746.97758999997 Croix des Bouquets | 439964.2316822519 | 0 | 0 | 169773.09621307897 | 668529.8012699999 | 0 | 0 | 0 | 1278267.129165331 Lathan | 0 | 0 | 0 | 706662.8100123879 | 524042.44384 | 0 | 0 | 0 | 1230705.253852388 Turgeau | 663876.818539262 | 0 | 0 | 2421434.656082445 | 3505651.79331 | 0 | 634435.09057 | 0 | 7225398.358501707 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 612208.0035247881 | 105665.73645 | 688410.345452495 | 687982.0088974442 | 2006413.5776099998 | 1160109 | 0 | 0 | 5260788.671934728 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1088422.7900399999 | 0 | 0 | 0 | 1088422.7900399999 Avenue Christophe | 0 | 0 | 0 | 0 | 1646325.8458999998 | 0 | 0 | 0 | 1646325.8458999998 Autres succursales non précisées | 1328264.91362 | 0 | 157032.85487972203 | 0 | 300225.78687999997 | 1469263 | 0 | 0 | 3254786.5553797223 TOTAL | 37952725.57518623 | 2102300.52228 | 14933349.939115493 | 52727986.16043565 | 72962953.79097 | 15555633 | 3706701.50443 | 3348164 | 203289814.49241737 0 | 0 VILLES DE PROVINCES | 0 Aquin | 266220.44714081095 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 266220.44714081095 | 0 Jacmel | 473640.62367035996 | 0 | 0 | 1036898.8513531827 | 836441.85422 | 201278 | 0 | 0 | 2548259.3292435426 Hinche | 553096.545345947 | 0 | 0 | 191774.55990930638 | 594498.99073 | 192461 | 0 | 0 | 1531831.0959852533 Cap-Haïtien | 742534.20427712 | 0 | 684525.668232021 | 1632983.0604175935 | 2959696.7501499997 | 535463 | 0 | 0 | 6555202.683076734 Cap-Haïtien 1 | 742534.20427712 | 0 | 556704.888502195 | 963273.8736112851 | 2159571.51432 | 489755 | 0 | 0 | 4911839.4807106005 Cap-Haïtien 2 | 0 | 0 | 127820.779729826 | 669709.1868063085 | 800125.2358299999 | 45708 | 0 | 0 | 1643363.2023661344 Cayes | 1088775.85333547 | 0 | 184519.395230605 | 1220624.2530846875 | 1782891.2453899998 | 694831 | 0 | 0 | 4971641.747040763 Cayes 1 | 833188.8169784041 | 0 | 184519.395230605 | 0 | 1450175.55048 | 0 | 0 | 0 | 2467883.7626890093 Cayes 2 | 255587.036357066 | 0 | 0 | 0 | 332715.69490999996 | 0 | 0 | 0 | 588302.731267066 Cabaret | 400292.56964852905 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 400292.56964852905 Cap Saint-Michel | 0 | 0 | 0 | 256954.20733104568 | 0 | 0 | 0 | 0 | 256954.20733104568 Ouanaminthe | 130609.81922500201 | 0 | 51143.813255814006 | 248948.67799639222 | 408017.54625 | 0 | 0 | 0 | 838719.8567272082 Fort-Liberté | 339285.270465729 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 339285.270465729 Gonaïves | 438040.99994696793 | 0 | 251422.68147879498 | 788891.3710961735 | 1085836.54751 | 251833 | 0 | 0 | 2816024.6000319365 Port-de-Paix | 540133.779257806 | 0 | 153975.201411576 | 228746.2586989494 | 772980.42737 | 0 | 0 | 0 | 1695835.6667383313 Petit-Goave | 187400.40762659902 | 0 | 0 | 277166.43766246375 | 316708.91051 | 0 | 0 | 0 | 781275.7557990628 Miragoane | 287820.87309804803 | 0 | 0 | 310621.7251902354 | 261834.75728999998 | 0 | 0 | 0 | 860277.3555782834 Mirebalais | 0 | 0 | 0 | 449686.16004923586 | 476319.60149000003 | 0 | 0 | 0 | 926005.761539236 Jérémie | 377122.40968254104 | 0 | 0 | 548159.7766105811 | 493368.42059 | 0 | 0 | 0 | 1418650.6068831221 La Gonave | 0 | 0 | 0 | 0 | 161451.72100999998 | 0 | 0 | 0 | 161451.72100999998 Léogane | 705978.070528859 | 0 | 0 | 442683.14323244966 | 284090.29592 | 0 | 0 | 0 | 1432751.5096813086 Fonds-des-Nègres | 92705.547782856 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 92705.547782856 Limbé | 0 | 0 | 0 | 0 | 93954.96900999999 | 0 | 0 | 0 | 93954.96900999999 Vertières | 171144.685225283 | 0 | 0 | 215919.21115121912 | 312628.1209 | 68603 | 0 | 0 | 768295.0172765021 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 2546.562190281 St-Marc | 598698.245469179 | 0 | 282889.522048405 | 952551.1918708228 | 1133388.3553699998 | 138193 | 0 | 0 | 3105720.314758407 Belladerre | 235973.51451810403 TOTAL | 7632020.428435493 | 0 | 1608476.2816572161 | 8802608.88565434 | 11974108.513709998 | 2082662 | 0 | 0 | 32099876.109457046 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 | 45584746.00362173 | 2102300.52228 | 16541826.22077271 | 61530595.046089984 | 84937062.30467999 | 17638295 | 3706701.50443 | 3348164 | 235389690.6018744 0 | 9465026.126089983 | 6544030.113709997 0 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 30 JUIN 2022 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 2728124.83917817 | 158457.67858 | 280122.353767889 | 2472563.0545632876 | 2332335.9248 | 916568 | 431858.52993 | 735458 | 10055488.380819347 Place Geffrard | 0 | 0 | 0 | 2995541.7347530345 | 0 | 0 | 0 | 0 | 2995541.7347530345 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 1144090.588543879 | 0 | 0 | 1114217.7586400837 | 0 | 0 | 0 | 0 | 2258308.347183963 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1144090.588543879 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1144090.588543879 Delmas | 2908981.158167955 | 76811.45863000001 | 499338.258877855 | 2189628.2979611326 | 7593149.483499999 | 1053438 | 349970.96456 | 0 | 14671317.621696942 Delmas 52 | 1122651.0562166818 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1122651.0562166818 Delmas 2 | 1040708.5829190341 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1040708.5829190341 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 707793 | 0 | 0 | 707793 Delmas 32 | 745621.519032239 | 0 | 0 | 0 | 3303454.5422199997 | 0 | 0 | 0 | 4049076.0612522387 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 345645 | 0 | 0 | 345645 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 349970.96456 | 0 | 349970.96456 Delmas 48 | 0 | 0 | 0 | 773516.9839223089 | 0 | 0 | 0 | 0 | 773516.9839223089 Delmas-Aéroport | 0 | 0 | 0 | 1416111.3140388236 | 0 | 0 | 0 | 0 | 1416111.3140388236 Delmas 16 | 0 | 0 | 0 | 0 | 1529061.9356300002 | 0 | 0 | 0 | 1529061.9356300002 Delmas 18 | 561859.1930799999 | 561859.1930799999 Delmas 71 | 0 | 0 | 0 | 0 | 2039400.5383000001 | 0 | 0 | 0 | 2039400.5383000001 Kiosque Mégamart | 0 | 0 | 0 | 0 | 25084.05732 | 0 | 0 | 0 | 25084.05732 Delmas 35 | 306335.837064021 Delmas 64 | 193002.42181383402 Delmas 75 | 134289.21695 Pétion-Ville | 3526023.5128073166 | 114608.45777000001 | 2328414.154098645 | 4324247.817306834 | 8103580.231780001 | 2037238 | 40161.71018 | 0 | 20474273.883942794 P-V 1 | 1533111.051653126 | 114608.45777000001 | 1434890.057713923 | 1523470.3029056436 | 4055552.4489300004 | 884775 | 40161.71018 | 0 | 9586569.029152693 Place Boyer | 837283.447678783 | 0 | 156721.132551094 | 0 | 0 | 522809 | 0 | 0 | 1516813.580229877 Choucoune Plaza | 1032281.0956049002 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1032281.0956049002 P-V 2 | 0 | 0 | 494722.044476667 | 0 | 2004298.64731 | 629654 | 0 | 0 | 3128674.691786667 P-V 3 | 123347.91787050701 | 0 | 0 | 1870047.5184973464 | 1286665.2821900002 | 0 | 0 | 0 | 3280060.7185578537 P-V 4 | 0 | 0 | 0 | 930729.9959038438 | 554011.32473 | 0 | 0 | 0 | 1484741.3206338438 Juvénat | 242080.919356961 | 203052.52862 Lalue | 981533.4141480911 | 0 | 507454.427148978 | 1453133.1240510757 | 2179730.7428800003 | 0 | 0 | 0 | 5121851.708228145 Champs de Mars | 0 | 0 | 0 | 835002.0830654342 | 0 | 0 | 0 | 0 | 835002.0830654342 Laboule | 0 | 0 | 0 | 0 | 773904.20204 | 584268 | 0 | 0 | 1358172.20204 Aéroport | 0 | 95429.8018 | 30047.428612877997 | 774827.9741859225 | 822998.19736 | 532964 | 0 | 0 | 2256267.4019588004 Aéroport 2 | 0 | 0 | 0 | 915362.7565678917 | 0 | 146703 | 0 | 0 | 1062065.7565678917 Carrefour | 1486916.553936488 | 0 | 334507.114452965 | 2325495.752912226 | 0 | 466893 | 0 | 0 | 4613812.42130168 Arcachon | 769306.458767714 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 769306.458767714 Carrefour | 717610.095168774 | 0 | 0 | 1383935.0435027527 | 0 | 0 | 0 | 0 | 2101545.1386715267 Truitiers | 0 | 0 | 0 | 941560.7094094732 | 0 | 0 | 0 | 0 | 941560.7094094732 Thor | 0 | 0 | 0 | 0 | 3373439.17722 | 0 | 0 | 0 | 3373439.17722 Diquini | 0 | 0 | 0 | 861392.1245479411 | 0 | 229437 | 0 | 0 | 1090829.1245479411 Rue du Quai | 0 | 0 | 0 | 281735.77329517767 | 0 | 0 | 0 | 0 | 281735.77329517767 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 212217.17147 | 0 | 0 | 0 | 212217.17147 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 580752 | 0 | 0 | 580752 Parc Industriel | 850191.242343438 | 81091.71583 | 561394.8244688311 | 0 | 0 | 0 | 0 | 0 | 1492677.782642269 Varreux | 0 | 0 | 0 | 0 | 2027823.8962199998 | 80596 | 0 | 0 | 2108419.8962199995 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1189858.90486 | 0 | 0 | 0 | 1189858.90486 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 77212.73120000001 | 0 | 0 | 0 | 77212.73120000001 Canapé-Vert | 0 | 0 | 0 | 0 | 1191312.56804 | 0 | 0 | 0 | 1191312.56804 Rue Capois | 0 | 0 | 0 | 0 | 1847633.7180599999 | 0 | 0 | 0 | 1847633.7180599999 Damien | 651714.9219128559 | 0 | 80123.924809245 | 936129.6023948827 | 2158998.78241 | 0 | 0 | 0 | 3826967.231526984 Frères | 356650.03768329 | 0 | 228479.130722706 | 1223450.8996687774 | 2359497.15281 | 0 | 0 | 0 | 4168077.2208847734 Portail Léogane | 0 | 0 | 0 | 292055.45097584603 | 1073303.22557 | 0 | 0 | 0 | 1365358.676545846 Croix des Bossales | 0 | 0 | 0 | 0 | 255911.85977 | 0 | 0 | 0 | 255911.85977 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 683808.2840900001 | 0 | 0 | 0 | 683808.2840900001 Martissant | 0 | 0 | 0 | 683841.6063685048 | 1474780.89077 | 0 | 0 | 0 | 2158622.497138505 Nazon | 0 | 0 | 0 | 0 | 994879.2855400001 | 0 | 0 | 0 | 994879.2855400001 Croix des Bouquets | 1040555.802568951 | 0 | 0 | 754764.712884637 | 2008581.5134199997 | 0 | 0 | 0 | 3803902.028873588 Lathan | 0 | 0 | 0 | 961074.4794357057 | 1301864.57754 | 0 | 0 | 0 | 2262939.0569757055 Turgeau | 857612.200567029 | 0 | 0 | 1557628.6853563122 | 2127437.3782 | 0 | 360877.89247 | 0 | 4903556.156593341 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 619371.810611829 | 58934.60862 | 351809.697620294 | 590925.3766115396 | 1820573.2653199998 | 577021 | 0 | 0 | 4018635.7587836627 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 607299.2849099999 | 0 | 0 | 0 | 607299.2849099999 Avenue Christophe | 0 | 0 | 0 | 0 | 859828.02079 | 0 | 0 | 0 | 859828.02079 Autres succursales non précisées | 0 | 0 | 159722.66198486 | 0 | 529019.82933 | 38399 | 0 | 0 | 727141.49131486 TOTAL | 17151766.082469296 | 585333.72123 | 5361413.976565146 | 27543019.065546244 | 49980980.29990002 | 7244277 | 1182869.09714 | 735458 | 109785117.2428507 -25184967.094889402 VILLES DE PROVINCES Aquin | 1385022.363949015 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1385022.363949015 Jacmel | 760095.73632731 | 0 | 0 | 1315267.81475282 | 1484812.78664 | 278605 | 0 | 0 | 3838781.33772013 Hinche | 700762.70517537 | 0 | 0 | 276810.26287311694 | 582063.12567 | 325262 | 0 | 0 | 1884898.0937184868 Cap-Haïtien | 1438367.5306408382 | 0 | 899215.192492131 | 3486320.1102599427 | 4856893.79638 | 526508 | 0 | 0 | 11207304.629772913 Cap-Haïtien 1 | 1438367.5306408382 | 0 | 764676.221806572 | 2342389.4195427746 | 2398460.7868899996 | 442523 | 0 | 0 | 7386416.958880184 Cap-Haïtien 2 | 0 | 0 | 134538.970685559 | 1143930.6907171682 | 2458433.00949 | 83985 | 0 | 0 | 3820887.6708927276 Cayes | 1565081.037289402 | 0 | 533025.001421656 | 1539994.2815306166 | 3198572.3141799998 | 394872 | 0 | 0 | 7231544.634421675 Cayes 1 | 1164261.2470169321 | 0 | 533025.001421656 | 0 | 2431766.77281 | 0 | 0 | 0 | 4129053.0212485883 Cayes 2 | 400819.79027247 | 0 | 0 | 0 | 766805.54137 | 0 | 0 | 0 | 1167625.3316424699 Cabaret | 1193339.228180035 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1193339.228180035 Cap Saint-Michel | 0 | 0 | 0 | 762659.7697451237 | 0 | 0 | 0 | 0 | 762659.7697451237 Ouanaminthe | 225545.317522955 | 0 | 237665.586257593 | 537718.9459772359 | 697055.58889 | 0 | 0 | 0 | 1697985.4386477838 Fort-Liberté | 496337.31985546305 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 496337.31985546305 Gonaïves | 1472082.792132825 | 0 | 514958.735324292 | 1697533.6507334593 | 2605377.46982 | 329290 | 0 | 0 | 6619242.648010576 Port-de-Paix | 1379567.4244735523 | 0 | 385516.97412802896 | 813495.7937882682 | 1336472.11904 | 0 | 0 | 0 | 3915052.31142985 Petit-Goave | 701380.9221161179 | 0 | 0 | 519490.3648635579 | 865197.5716499999 | 0 | 0 | 0 | 2086068.8586296756 Miragoane | 544158.898784727 | 0 | 0 | 783052.4941181452 | 1023571.08453 | 0 | 0 | 0 | 2350782.477432872 Mirebalais | 0 | 0 | 0 | 590401.6734523297 | 983528.23658 | 0 | 0 | 0 | 1573929.9100323296 Jérémie | 700275.121381758 | 0 | 0 | 494045.57350187015 | 738666.9433 | 0 | 0 | 0 | 1932987.6381836282 La Gonave | 0 | 0 | 0 | 0 | 1006907.0466900001 | 0 | 0 | 0 | 1006907.0466900001 Léogane | 1324762.536189631 | 0 | 0 | 990867.4877962074 | 797577.85468 | 0 | 0 | 0 | 3113207.8786658384 Fonds-des-Nègres | 745604.942388139 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 745604.942388139 Limbé | 0 | 0 | 0 | 0 | 993425.06758 | 0 | 0 | 0 | 993425.06758 Vertières | 369661.946567188 | 0 | 0 | 175772.6703396933 | 1287365.9106700001 | 125508 | 0 | 0 | 1958308.5275768815 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 2119.338737949 St-Marc | 1705803.684511473 | 0 | 174614.804484235 | 1594709.709901366 | 2278417.00223 | 204498 | 0 | 0 | 5958043.201127075 Belladerre | 263170.071351571 TOTAL | 16973138.91757532 | 0 | 2744996.294107936 | 15578140.603633752 | 24735903.918530002 | 2184543 | 0 | 0 | 62216722.73384701 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 | 34124905.000044614 | 585333.72123 | 8106410.270673081 | 43121159.66918 | 74716884.21843001 | 9428820 | 1182869.09714 | 735458 | 172001839.9766977 0 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 30 JUIN 2022 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1557429.8270655102 | 212339.16448 | 77201.192794411 | 9710673.170201438 | 5816404.02071 | 3153822 | 1368840.1879900002 | 4424 | 21901133.56324136 Place Geffrard | 0 | 0 | 0 | 591385.8238861042 | 0 | 0 | 0 | 0 | 591385.8238861042 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 119086.90095319599 | 0 | 0 | 323768.33219967014 | 0 | 0 | 0 | 0 | 442855.23315286613 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 119086.90095319599 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 119086.90095319599 Delmas | 766705.660755839 | 887.84519 | 1228679.4143770258 | 1888296.9221832876 | 1520547.05877 | 456847 | 1250941.68273 | 0 | 7112905.584006153 Delmas 52 | 466399.178166016 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 466399.178166016 Delmas 2 | 216013.40066948102 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 216013.40066948102 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 271843 | 0 | 0 | 271843 Delmas 32 | 84293.081920342 | 0 | 0 | 0 | 527387.56652 | 0 | 0 | 0 | 611680.6484403419 Delmas 55 | 0 | 0 | 0 | 0 | 0 | 185004 | 0 | 0 | 185004 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 1250941.68273 | 0 | 1250941.68273 Delmas 48 | 0 | 0 | 0 | 385520.1571601643 | 0 | 0 | 0 | 0 | 385520.1571601643 Delmas-Aéroport | 0 | 0 | 0 | 1502776.7650231232 | 0 | 0 | 0 | 0 | 1502776.7650231232 Delmas 16 | 0 | 0 | 0 | 0 | 226222.31701 | 0 | 0 | 0 | 226222.31701 Delmas 18 | 115578.06444 | 115578.06444 Delmas 71 | 0 | 0 | 0 | 0 | 642785.0236 | 0 | 0 | 0 | 642785.0236 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 571725.2763853439 Delmas 64 | 656954.137991682 Delmas 75 | 8574.0872 Pétion-Ville | 5443698.146195458 | 1789021.1664999998 | 6637515.77644582 | 3349313.5912310183 | 11379644.328089999 | 1510314 | 199862.30269 | 0 | 30309369.311152294 P-V 1 | 191129.04208431198 | 1789021.1664999998 | 1865871.514357563 | 2265735.796310262 | 5376948.576649999 | 795844 | 199862.30269 | 0 | 12484412.398592135 Place Boyer | 451769.275114587 | 0 | 389590.997221413 | 0 | 0 | 216411 | 0 | 0 | 1057771.272336 Choucoune Plaza | 1546602.576218586 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1546602.576218586 P-V 2 | 0 | 0 | 3750604.765174325 | 0 | 4271363.5431200005 | 498059 | 0 | 0 | 8520027.308294326 P-V 3 | 3254197.252777973 | 0 | 0 | 777221.1949519899 | 1606864.41301 | 0 | 0 | 0 | 5638282.860739963 P-V 4 | 0 | 0 | 0 | 306356.599968767 | 47541.18612 | 0 | 0 | 0 | 353897.786088767 Juvénat | 631448.499692519 | 76926.60919 Lalue | 65568.171954299 | 0 | 87218.78106013901 | 809259.3241067565 | 447986.15280999994 | 0 | 0 | 0 | 1410032.4299311945 Champs de Mars | 0 | 0 | 0 | 72923.20590013526 | 0 | 0 | 0 | 0 | 72923.20590013526 Laboule | 0 | 0 | 0 | 0 | 189560.01448 | 68767 | 0 | 0 | 258327.01448 Aéroport | 0 | 300.89873 | 41998.104541629 | 1209010.5057276492 | 60218.988560000005 | 1050055 | 0 | 0 | 2361583.4975592783 Aéroport 2 | 0 | 0 | 0 | 274943.2872271461 | 0 | 55900 | 0 | 0 | 330843.2872271461 Carrefour | 225330.61276727897 | 0 | 843141.592439454 | 1136030.245618115 | 0 | 120718 | 0 | 0 | 2325220.450824848 Arcachon | 95315.04138032699 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 95315.04138032699 Carrefour | 130015.57138695198 | 0 | 0 | 1071398.6300567202 | 0 | 0 | 0 | 0 | 1201414.2014436722 Truitiers | 0 | 0 | 0 | 64631.615561394625 | 0 | 0 | 0 | 0 | 64631.615561394625 Thor | 0 | 0 | 0 | 0 | 365934.66283 | 0 | 0 | 0 | 365934.66283 Diquini | 0 | 0 | 0 | 177597.55914199215 | 0 | 36080 | 0 | 0 | 213677.55914199215 Rue du Quai | 0 | 0 | 0 | 27292.495359807446 | 0 | 0 | 0 | 0 | 27292.495359807446 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 26627.130960000002 | 0 | 0 | 26627.130960000002 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 789407 | 0 | 0 | 789407 Parc Industriel | 686180.068872473 | 500.41096 | 3075499.9261613293 | 0 | 0 | 0 | 0 | 0 | 3762180.4059938025 Varreux | 0 | 0 | 0 | 0 | 703771.0836599999 | 9396 | 0 | 0 | 713167.0836599999 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 609455.4134399999 | 0 | 0 | 0 | 609455.4134399999 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 659.95439 | 0 | 0 | 0 | 659.95439 Canapé-Vert | 0 | 0 | 0 | 0 | 13851.767810000001 | 0 | 0 | 0 | 13851.767810000001 Rue Capois | 0 | 0 | 0 | 0 | 43635.85768 | 0 | 0 | 0 | 43635.85768 Damien | 214098.987653867 | 0 | 0 | 237223.05453047078 | 456534.63869 | 0 | 0 | 0 | 907856.6808743377 Frères | 140367.628181595 | 0 | 46222.870068227996 | 357021.22597949824 | 594750.00328 | 0 | 0 | 0 | 1138361.7275093212 Portail Léogane | 0 | 0 | 0 | 85005.21979568877 | 34117.11346 | 0 | 0 | 0 | 119122.33325568878 Croix des Bossales | 0 | 0 | 0 | 0 | 253.27013 | 0 | 0 | 0 | 253.27013 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8328.48303 | 0 | 0 | 0 | 8328.48303 Martissant | 0 | 0 | 0 | 158794.85586200692 | 115662.70374 | 0 | 0 | 0 | 274457.5596020069 Nazon | 0 | 0 | 0 | 0 | 95573.80808 | 0 | 0 | 0 | 95573.80808 Croix des Bouquets | 186464.695034469 | 0 | 0 | 106460.80979906011 | 141081.81832 | 0 | 0 | 0 | 434007.3231535291 Lathan | 0 | 0 | 0 | 121104.38256780551 | 123681.22482999999 | 0 | 0 | 0 | 244785.6073978055 Turgeau | 486021.67420161795 | 0 | 0 | 493482.4029884421 | 1301252.84898 | 0 | 312603.88300000003 | 0 | 2593360.80917006 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 209309.417962608 | 0 | 70100.267776892 | 116182.71144115226 | 381254.20187 | 503401 | 0 | 0 | 1280247.5990506522 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 166511.55088999998 | 0 | 0 | 0 | 166511.55088999998 Avenue Christophe | 0 | 0 | 0 | 0 | 257242.05072000003 | 0 | 0 | 0 | 257242.05072000003 Autres succursales non précisées | 0 | 0 | 21264.408689112 | 0 | 869952.9061 | 1799607 | 0 | 0 | 2690824.314789112 TOTAL | 10100261.79159821 | 2003049.48586 | 12128842.33435404 | 21245769.12574725 | 25724493.056309987 | 9554314 | 3132248.0564099997 | 4424 | 83893401.85027952 -31482217.0346884 VILLES DE PROVINCES Aquin | 184425.643706195 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 184425.643706195 Jacmel | 84074.12487111699 | 0 | 0 | 85598.62779981163 | 56756.709240000004 | 0 | 0 | 0 | 226429.4619109286 Hinche | 154347.782846463 | 0 | 0 | 58420.29684416658 | 15766.599900000001 | 18786 | 0 | 0 | 247320.6795906296 Cap-Haïtien | 281778.529417656 | 0 | 104710.756769139 | 1352473.1994485334 | 419726.18894 | 61086 | 0 | 0 | 2219774.6745753284 Cap-Haïtien 1 | 281778.529417656 | 0 | 100655.26517895 | 666798.7973565327 | 220119.35225 | 61086 | 0 | 0 | 1330437.9442031386 Cap-Haïtien 2 | 0 | 0 | 4055.4915901889995 | 685674.4020920007 | 199606.83669 | 0 | 0 | 0 | 889336.7303721898 Cayes | 204073.570570218 | 0 | 28192.790214741 | 277193.7829473023 | 109910.81709 | 3708 | 0 | 0 | 623078.9608222613 Cayes 1 | 153474.871171224 | 0 | 28192.790214741 | 0 | 90841.61486 | 0 | 0 | 0 | 272509.276245965 Cayes 2 | 50598.69939899401 | 0 | 0 | 0 | 19069.20223 | 0 | 0 | 0 | 69667.901628994 Cabaret | 47937.237940716994 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 47937.237940716994 Cap Saint-Michel | 0 | 0 | 0 | 132215.68754483215 | 0 | 0 | 0 | 0 | 132215.68754483215 Ouanaminthe | 2028.4520952830003 | 0 | 10182.292852143999 | 2867.873434411848 | 19663.41429 | 0 | 0 | 0 | 34742.032671838846 Fort-Liberté | 12445.671059245002 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12445.671059245002 Gonaïves | 132302.437833011 | 0 | 46834.323120371 | 343204.5355326548 | 217134.98458999998 | 6125 | 0 | 0 | 745601.2810760367 Port-de-Paix | 116994.163103919 | 0 | 609852.5704962879 | 95596.38221157731 | 206011.66856 | 0 | 0 | 0 | 1028454.7843717842 Petit-Goave | 44425.684147582004 | 0 | 0 | 58733.07058765173 | 54501.53934 | 0 | 0 | 0 | 157660.29407523375 Miragoane | 38656.515044009 | 0 | 0 | 107330.45556003458 | 55463.36267 | 0 | 0 | 0 | 201450.33327404357 Mirebalais | 0 | 0 | 0 | 132870.0903532814 | 43700.43861 | 0 | 0 | 0 | 176570.52896328142 Jérémie | 63879.254315032005 | 0 | 0 | 32646.10852744779 | 35538.67725 | 0 | 0 | 0 | 132064.0400924798 La Gonave | 0 | 0 | 0 | 0 | 34805.98366 | 0 | 0 | 0 | 34805.98366 Léogane | 173281.615838472 | 0 | 0 | 334300.71378447674 | 98101.34141 | 0 | 0 | 0 | 605683.6710329488 Fonds-des-Nègres | 81865.52498940601 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 81865.52498940601 Limbé | 0 | 0 | 0 | 0 | 50243.120670000004 | 0 | 0 | 0 | 50243.120670000004 Vertières | 367660.59753939504 | 0 | 0 | 37407.76557118792 | 203886.63556 | 316983 | 0 | 0 | 925937.9986705829 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 0 St-Marc | 265319.49716993497 | 0 | 201367.42338403 | 383912.9449353834 | 148275.65756999998 | 135 | 0 | 0 | 999010.5230593483 Belladerre | 28647.905949294 | 28647.905949294 TOTAL | 2284144.208436949 | 0 | 1001140.1568367128 | 3434771.535082753 | 1769487.1393500003 | 406823 | 0 | 0 | 8896366.039706415 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 | 12384406.00003516 | 2003049.48586 | 13129982.491190752 | 24680540.660830002 | 27493980.195659988 | 9961137 | 3132248.0564099997 | 4424 | 92789767.88998593 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.sept. 22 | 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 | 0.032473479436743564 | 549919724.9734677 | 0.0683297156749402 | 587495583.4249461 | 0.03864993225425083 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705 | -0.06730737764893079 | 401945075.24158365 | 0.221460006520873 | 329069370.34021914 Bons B.R.H. | 6300000 | -0.7619047619047619 | 1500000 | 0.4 | 2100000 | -0.6190476190476191 | 800000 | -0.8688524590163934 | 6100000 | 0.5061728395061729 | 4050000 | 1.201086956521739 | 1840000 | -0.8577942653991808 | 12939000 Prêts Nets | 131955726.11540988 | 0.03406715830817992 | 136451082.72665438 | 0.04054515380558639 | 141983512.86274537 | 0.0530395857375659 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012 | -0.13732603248487774 | 124751434.68466097 | 0.22038259522344747 | 102223216.86079066 Dépôts | 433214861.84249157 | 0.030312565804631496 | 446346715.84963644 | 0.08589414864796295 | 484685287.0093552 | 0.03197128502300874 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615 | -0.09521631559106729 | 324498235.4560933 | 0.2129295972771665 | 267532621.99598402 Avoir des Actionnaires | 42339020.95218401 | 0.0023898330608078996 | 42440204.144217774 | 0.014962738438588214 | 43075225.81810799 | 0.04798513814038063 | 45142196.479417995 | 0.1269970257459187 | 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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 3750133.6842200006 | 0.21651658006186045 | 3082681.93437142 | 3903387.1122240135 | 0.10978448612401957 | 3517247.863012392 | 3985999.7479934786 | 0.10555532920542098 | 3605427.645903779 | 4878413.54444698 | 0.30545101252147444 | 3736956.4216924077 | 16517934.08888447 | 0.18473405841005003 | 13942313.864980003 Autres revenus | 3332837.7205800004 | 0.042508882760393475 | 3196939.3984972 | 3686532.90134 | 0.162257313766239 | 3171873.2656488665 | 4753159.249690001 | 0.3613609093817301 | 3491476.2256899793 | 4241646.043024171 | 0.14006796265644728 | 3720520.3391039995 | 16014175.914634174 | 0.17917685497773905 | 13580809.228940044 Dot. à la provision pr créances douteuses | 734937.9089200001 | 0.44621879580283014 | 508178.922202445 | 227651.28875528614 | -0.5878649519851811 | 552370.6121375549 | 482862.27042682347 | 0.28166345255837394 | 376746.5394 | 1019952.6026021984 | 1.5826799398995546 | 394920.24809 | 2465404.070704308 | 0.345585693856218 | 1832216.3218299998 Dépenses d'exploitation | 4383972.2687429 | 0.19527600166285417 | 3667748.9238 | 4775841.1676711375 | 0.2535265088017212 | 3809924.3487371393 | 4904257.985099652 | 0.19384439984391505 | 4107954.089947435 | 5513263.137406368 | 0.21664788892639159 | 4531519.092406797 | 19577334.55892006 | 0.21468987166636802 | 16117146.454891372 Bénéfice net | 1723558.8213626014 | -0.04915346062810859 | 1812657.1954514836 | 2245828.1844967124 | 0.1300628604896247 | 1987348.0166613543 | 2787074.597902915 | 0.1993698546068421 | 2323782.4322477477 | 2339155.1291517336 | 0.0027918981490587715 | 2332642.6285147676 | 9095616.73291396 | 0.07558584880535792 | 8456430.272875352 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. 21-sept 22) | (oct. 20-sept. 21) | 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 | 0.07717527162035406 | 0.08400949848221828 | 0.0733200844966198 | 0.07872510371268764 | 0.07397907273039252 | 0.07699229990709759 | 0.07397907273039252 | 0.07699229990709759 | 0.07699229990709759 | 0.09283398954376826 | 0.08404885458012684 | 0.08903634076290322 Dépôts en % de l'actif | 0.8133602695771747 | 0.7955294593680298 | 0.8116579485690781 | 0.8029713994669967 | 0.8250024352247319 | 0.8086340219002265 | 0.8196975677629654 | 0.8146924700293188 | 0.8196975677629654 | 0.8146924700293188 | 0.8146924700293188 | 0.7831624325968863 | 0.807319844038537 | 0.8129976415592454 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.06338908023632309 | 0.05371775938974175 | 0.07821643026021918 | 0.07115137887925091 | 0.08670257284697762 | 0.05932885367093607 | 0.06674650919428594 | 0.0560625008532209 | 0.06674650919428594 | 0.0560625008532209 | 0.0560625008532209 | 0.05048908872771796 | 0.06535921843623994 | 0.025469754697323044 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.9646658405485288 | 1.0747696370598125 | 0.7784233070167529 | 0.8181924651120227 | 0.7130101873543241 | 1.0155081133118373 | 0.8951093289409422 | 1.0311341084197292 | 0.8951093289409422 | 1.0311341084197292 | 1.0311341084197292 | 1.0536617311481398 | 0.46572376763467743 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.00743532747544858 | -0.012667370544711851 | 0.05933391971191285 | 0.042225837494665845 | 0.08742236781864827 | -0.003234542758974928 | 0.02466152296339713 | -0.006033336650386162 | 0.02466152296339713 | -0.006033336650386162 | -0.006033336650386162 | -0.008848776197957842 | 0.13299789206400983 | 0.01102966857089383 Rentabilité ROA (rendement de l'actif) | 0.013096028231539896 | 0.0186409300269985 | 0.01659668054618359 | 0.018755556288502808 | 0.01960286328009687 | 0.01995087181422128 | 0.015624342420439719 | 0.018524008042875094 | 0.01609198724553268 | 0.018894056402956595 | 0.018894056402956595 | 0.011456388140477728 | 0.018724146924643456 | 0.016639662285024552 ROE ( rendement avoir des action.) | 0.16734735504996048 | 0.20249425544731461 | 0.21192250171600405 | 0.21436953178105866 | 0.2607318561462673 | 0.24555892029586726 | 0.21212636399758728 | 0.23800529161167197 | 0.2135184205617245 | 0.22593275500188215 | 0.22593275500188215 | 0.12976089651586392 | 0.2169808833566835 | 0.18563221079206246 Revenus nets d'intérêts en % des revenus d'intérêt | 0.8271758363739855 | 0.806667658850589 | 0.8338718686867325 | 0.8316146356292076 | 0.8309495561201606 | 0.8328710202747445 | 0.8511384415908967 | 0.8224920431836975 | 0.8366368653542322 | 0.8238534845742289 | 0.8238534845742289 | 0.7704450787600935 | 0.7739859225582887 | 0.7834044677928268 Rendement moyen des prêts | 0.09803521651405525 | 0.09535995170154735 | 0.09714005892755889 | 0.10692479906500878 | 0.09493324173103872 | 0.10107985959163047 | 0.10574974405269066 | 0.10149017793016404 | 0.09757312636359047 | 0.10019938664732281 | 0.10019938664732281 | 0.11306702887653855 | 0.11640768542321629 | 0.10844998153226369 Rendement moyen des prêts productifs | 0.10426541955573582 | 0.10060345287324718 | 0.10455576890913622 | 0.11407117857487978 | 0.10347465223038338 | 0.10810025696384594 | 0.11450698321833018 | 0.1077017669990704 | 0.10399743464962523 | 0.10586862841677029 | 0.10586862841677029 | 0.12007769396051457 | 0.12220968811849597 | 0.11148885421295598 Rémunération moyenne des dépôts | 0.007313623001071259 | 0.00962276839785126 | 0.007073090556819826 | 0.008407349247772504 | 0.0069679383527784305 | 0.007707240064408807 | 0.006930643374757184 | 0.00788972336797361 | 0.006981018553340822 | 0.0083099864925933 | 0.0083099864925933 | 0.013334542446873971 | 0.013043243209962358 | 0.011406478059241762 Dépenses d'exploitation en % du produit net bancaire | 0.6189453575616529 | 0.5840716707872766 | 0.6292347164576425 | 0.5695702433033452 | 0.5611819153764842 | 0.5788374993199545 | 0.6045205170567433 | 0.6076477658272799 | 0.6017849612829476 | 0.5855856691805337 | 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 | 6722.204773947442 | 5709.007071960184 | 5709.007071960184 | 4869.394611425701 | 4924.278001179502 | 3905.1831603775977 Productivité par Employé ('000 gdes) | 5940.221327015412 | 5212.926290645321 | 6354.721099791952 | 5556.902287569062 | 7210.527225811453 | 5843.477868747434 | 7451.790082705464 | 6183.645738637154 | 6722.204773947442 | 5709.007071960184 | 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 30 Septembre 2022 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 218706707.19635114 | 0.3584167510697105 | 1 | UNIBK | 52948683.249010004 | 0.3329798904296711 | 1 | UNIBK | 187147926.7207068 | 0.37416018410598895 | 1 | UNIBK | 139122011.7240868 | 0.41340340103398415 | 1 SOGEBK | 156974593.89408997 | 0.25725010753097566 | 2 | SOGEBK | 42803425.86067 | 0.2691791217181389 | 2 | SOGEBK | 129332295.37609139 | 0.25857083376074785 | 2 | SOGEBK | 88538517.4464814 | 0.26309369582344155 | 2 BNC | 120274655.00213 | 0.19710621422868257 | 3 | BNC | 25652901 | 0.1613241281943099 | 3 | BNC | 92094057 | 0.18412135216229933 | 3 | BNC | 43342122 | 0.1287918455230883 | 3 CAPITALBK | 45776286 | 0.07501821921459391 | 4 | BUH | 16045910.847193018 | 0.10090837595744179 | 4 | BUH | 37778218.982636556 | 0.07552905136285272 | 4 | CAPITALBK | 27141824 | 0.08065238715868252 | 4 BUH | 45411624.72350161 | 0.07442061198233767 | 5 | CAPITALBK | 14839783 | 0.09332336545748728 | 5 | CAPITALBK | 37028252 | 0.07402966107190136 | 5 | BUH | 26495196.55505655 | 0.07873092281505517 | 5 SOGEBL | 11749300.163209999 | 0.019254763815084338 | 6 | SOGEBL | 5279058.54194 | 0.03319856561116403 | 6 | SOGEBL | 8021818.657985269 | 0.016037822050873587 | 6 | SOGEBL | 6356459.9129952695 | 0.018888327691666554 | 6 BPH | 5654908.94470912 | 0.009267269932138153 | 7 | BPH | 1348228.0550891198 | 0.008478640119273928 | 7 | BPH | 4690683.72937 | 0.009377967036649296 | 7 | CBNA | 2787396 | 0.008282794161385875 | 7 CBNA | 5654172 | 0.00926606222647724 | 8 | CBNA | 96667 | 0.000607912512513082 | 8 | CBNA | 4088046 | 0.00817312844868675 | 8 | BPH | 2744936.75263 | 0.00815662579269586 | 8 TOTAL | 610202247.9239918 | 0.9999999999999999 | TOTAL | 159014657.55390212 | 1 | TOTAL | 500181298.46679 | 0.9999999999999998 | TOTAL | 336528464.3912501 | 1 AU 30 Juin 2022 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 206078814.571391 | 0.3507750873121551 | 1 | UNIBK | 46006789.27329 | 0.3039976760451795 | 1 | UNIBK | 178524986.86912096 | 0.36833176424782854 | 1 | UNIBK | 131936565.05752094 | 0.40696152172354083 | 1 SOGEBK | 154634690.56013808 | 0.26320996263266894 | 2 | SOGEBK | 40939657.45779 | 0.2705157417381295 | 2 | SOGEBK | 128278740.58618236 | 0.26466398717753187 | 2 | SOGEBK | 88244012.80179237 | 0.2721907889382475 | 2 BNC | 113700254.00213 | 0.19353380214245555 | 3 | BNC | 26812089 | 0.17716543307334445 | 3 | BNC | 86178534 | 0.17780307409730928 | 3 | BNC | 40553080 | 0.1250869547814995 | 3 CAPITALBK | 46228965 | 0.07868819154434692 | 4 | BUH | 16743477.053703833 | 0.11063536911924488 | 4 | CAPITALBK | 38034777 | 0.07847314127211348 | 4 | CAPITALBK | 26348770 | 0.08127341749475331 | 4 BUH | 43802150.92267996 | 0.07455741312526103 | 5 | CAPITALBK | 14244083 | 0.09412019829665878 | 5 | BUH | 36596344.23476587 | 0.07550537475683577 | 5 | BUH | 25284494.63703587 | 0.07799063443112021 | 5 SOGEBL | 11571102.41063 | 0.019695641528355824 | 6 | SOGEBL | 5150825.81374 | 0.034034956618882214 | 6 | SOGEBL | 8031959.432466011 | 0.01657149422056003 | 6 | SOGEBL | 6331444.31788601 | 0.019529492928600966 | 6 CBNA | 6088983 | 0.01036430429740904 | 7 | BPH | 1345690.9374570698 | 0.008891881483664203 | 7 | CBNA | 4612326 | 0.009516125460418554 | 7 | CBNA | 2789623 | 0.008604659524219392 | 7 BPH | 5390622.95797707 | 0.009175597417347622 | 8 | CBNA | 96667 | 0.0006387436248962544 | 8 | BPH | 4427618.88682 | 0.00913503876740236 | 8 | BPH | 2711124.8803199995 | 0.008362530178018194 | 8 TOTAL | 587495583.4249461 | 1 | TOTAL | 151339279.53598094 | 0.9999999999999997 | TOTAL | 484685287.00935525 | 1 | TOTAL | 324199114.69455516 | 0.9999999999999999 0.03803017694329928 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 | 0.3017671493579696 | 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 | BUH | 31525640.722530156 | 0.0743802435122982 | 4 | CAPITALBK | 23349153 | 0.08329412715785971 | 4 BUH | 38532133.92767971 | 0.07406455833273767 | 5 | CAPITALBK | 12142855 | 0.08770255260599386 | 5 | CAPITALBK | 30966722 | 0.07306155466942037 | 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 | 138454978.09570163 | 0.9999999999999999 | TOTAL | 423844279.5272327 | 1 | TOTAL | 280321720.11057276 | 1 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2021-2022 AU 30 Septembre 2022 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 202240335.22974062 | 0.35790945531098156 | 1 | UNIBK | 3294646.88474 | 0.36125278054828525 | 1 | UNIBK | 1424736.9001599997 | 0.6090818357466793 | 1 SOGEBK | 147297712.8812514 | 0.2606762104403858 | 2 | SOGEBK | 2447946.3556 | 0.2684134168336917 | 2 | SOGEBK | 371118.0521900002 | 0.15865474143417815 | 2 BNC | 110432051 | 0.1954341856553262 | 3 | BNC | 1366222 | 0.14980406508274055 | 3 | BNC | 230580 | 0.0985740522834058 | 3 BUH | 42009286.78726158 | 0.07434481818353189 | 4 | CAPITALBK | 998104 | 0.10944051301716973 | 4 | CAPITALBK | 152273 | 0.06509743543824725 | 4 CAPITALBK | 41094601 | 0.07272607733479072 | 5 | BUH | 653946.883037399 | 0.07170423359248339 | 5 | SOGEBL | 76670.59896855296 | 0.03277704758143021 | 5 SOGEBL | 10797166.102295268 | 0.01910799759199771 | 6 | SOGEBL | 202024.28212375296 | 0.022151640588104 | 6 | BUH | 70459.17684318259 | 0.030121634929246317 | 6 BPH | 6005898.44184 | 0.010628779058985266 | 7 | CBNA | 90709 | 0.009946097295747186 | 7 | CBNA | 18948.994820000007 | 0.008100785870867665 | 7 CBNA | 5183000 | 0.009172476424000816 | 8 | BPH | 66460.18197 | 0.007287253041778467 | 8 | BPH | -5631.593829999991 | -0.0024075332840546647 | 8 TOTAL | 565060051.442389 | 0.9999999999999999 | TOTAL | 9120059.587471154 | 1.0000000000000002 | TOTAL | 2339155.1291517355 | 1 POUR LE TROISIEME TRIMESTRE DE L'EXERCICE 2021-2022 AU 30 Juin 2022 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 191037179.48460296 | 0.35090013960249006 | 1 | UNIBK | 3200959.75946 | 0.3662777803114109 | 1 | UNIBK | 1448631.14946 | 0.5197676267976455 | 1 SOGEBK | 145094743.98694235 | 0.26651234099019516 | 2 | SOGEBK | 2214729.84877 | 0.25342597032014935 | 2 | SOGEBK | 488623.4342 | 0.1753176734371072 | 2 BNC | 104088230 | 0.19119092176986346 | 3 | BNC | 1268702.00435 | 0.14517438173241834 | 3 | BNC | 402952.00435000006 | 0.1445788371266396 | 3 CAPITALBK | 41703483 | 0.0766016230248495 | 4 | CAPITALBK | 1171689 | 0.13407342746717205 | 4 | CAPITALBK | 386709 | 0.13875086095326347 | 4 BUH | 40466444.33184603 | 0.07432941066011507 | 5 | BUH | 652546.1181761078 | 0.07466921226047958 | 5 | BUH | 60762.12608174261 | 0.02180139926195804 | 5 SOGEBL | 10695638.94865601 | 0.019645920288117073 | 6 | SOGEBL | 116121.419317372 | 0.013287482164834477 | 6 | SOGEBL | 26940.73400117198 | 0.009666312491758585 | 6 BPH | 5697878.8488799995 | 0.01046595478903211 | 7 | CBNA | 60563 | 0.006930071877174182 | 7 | BPH | -12689.850189999997 | -0.004553107476760131 | 7 CBNA | 5636759 | 0.010353688875337528 | 8 | BPH | 53847.84761 | 0.006161673866361012 | 8 | CBNA | -14854 | -0.005329602591612235 | 8 TOTAL | 544420357.6009274 | 1.0000000000000002 | TOTAL | 8739158.99768348 | 0.9999999999999999 | TOTAL | 2787074.5979029145 | 1.0000000000000002 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 [partdemarc. (3)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) CUMUL 2022 (Octobre 21 - Septembre 2022) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 11038382.90625 | 0.33930731529728936 | 1 | UNIBK | 4471424.51742 | 0.49160212536654363 | 1 SOGEBK | 8349518.264099998 | 0.2566546794289372 | 2 | SOGEBK | 1557889.405919998 | 0.17127913935539119 | 2 BNC | 5532211.0114 | 0.17005386403776582 | 3 | BNC | 1502161.0114000002 | 0.165152188742099 | 3 CAPITALBK | 4058142 | 0.12474266192881665 | 4 | CAPITALBK | 1198227 | 0.13173675135892896 | 4 BUH | 2508072.0084675187 | 0.0770952762730806 | 5 | BUH | 243798.14399223748 | 0.026803915682816152 | 5 SOGEBL | 524940.191991125 | 0.016136063474958988 | 6 | SOGEBL | 159861.55081462505 | 0.01757566919416692 | 6 CBNA | 307009 | 0.009437106906585346 | 7 | CBNA | 5830.89046710002 | 0.0006410659813754025 | 7 BPH | 213834.62130999996 | 0.00657303265256609 | 8 | BPH | -43575.787100000016 | -0.00479085568132109 | 8 TOTAL | 32532110.00351864 | 1 | TOTAL | 9095616.732913962 | 1.0000000000000002 CUMUL 2021 (Octobre 20 -Septembre 21) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 9406402.04772 | 0.341763615110885 | 1 | UNIBK | 4074807.9307499994 | 0.48185910594216774 | 1 SOGEBK | 7278648.306206046 | 0.2644557553068505 | 2 | SOGEBK | 1694169.587206046 | 0.20034098698125904 | 2 BNC | 4594370.30863 | 0.16692765181306451 | 3 | BNC | 1208600.1298899995 | 0.14292084140593897 | 3 CAPITALBK | 3152557 | 0.11454212478875303 | 4 | CAPITALBK | 1025285 | 0.12124323939484016 | 4 BUH | 2085540.798634 | 0.07577413331754866 | 5 | BUH | 369204.2974191136 | 0.0436595922281018 | 5 SOGEBL | 480605.42926999996 | 0.017461878422371603 | 6 | SOGEBL | 117864.77322629999 | 0.013937887432757562 | 6 CBNA | 355172 | 0.01290449484195559 | 7 | CBNA | 45333.11549389426 | 0.005360786292923587 | 7 BPH | 169827.20346000002 | 0.006170346398571151 | 8 | BPH | -78834.56111000001 | -0.009322439677988938 | 8 TOTAL | 27523123.093920045 | 0.9999999999999999 | TOTAL | 8456430.272875354 | 1 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 30 Septembre 2022 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 52219581.492960006 | 1 | SOGEBL | 69007.30120183007 | 1 | CBNA | 4088046 | 1 | CBNA | 181690.93333333332 | 1 SOGEBK | 39968237.37019 | 2 | UNIBK | 39411.003534804615 | 2 | UNIBK | 3531092.956994468 | 2 | UNIBK | 139298.79175341033 | 2 BNC | 22033575 | 3 | SOGEBK | 36212.712234069375 | 3 | SOGEBK | 2874051.0083575863 | 3 | SOGEBK | 109418.18559737004 | 3 BUH | 15318865.81299061 | 4 | BUH | 33152.708361969046 | 4 | BNC | 2273927.3333333335 | 4 | BNC | 107210.77648428406 | 4 CAPITALBK | 14510277 | 5 | BNC | 29863.679860302676 | 5 | SOGEBL | 2005454.6644963173 | 5 | SOGEBL | 104860.37461418653 | 5 SOGEBL | 5056875.055269999 | 6 | CAPITALBK | 18515.01310043668 | 6 | BUH | 1574092.4576098565 | 6 | BUH | 78054.17145172843 | 6 BPH | 310180.8351391199 | 7 | BPH | 10657.929289242054 | 7 | CAPITALBK | 1481130.08 | 7 | CAPITALBK | 46198.69245165315 | 7 CBNA | 96667 | 8 | CBNA | 4296.311111111111 | 8 | BPH | 1172670.9323425 | 8 | BPH | 37080.50378948617 | 8 TOTAL | 149514259.56654972 AU 30 Juin 2022 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 45328954.27658 | 1 | SOGEBL | 68222.85846013245 | 1 | CBNA | 4612326 | 1 | CBNA | 196269.1914893617 | 1 SOGEBK | 38657267.44738 | 2 | BUH | 35028.194673020575 | 2 | UNIBK | 3368395.9786626594 | 2 | UNIBK | 133327.0999769387 | 2 BNC | 23245872 | 3 | SOGEBK | 34475.50101708632 | 3 | SOGEBK | 2850638.6796929413 | 3 | SOGEBK | 108024.2025988904 | 3 BUH | 15345839.19499831 | 4 | UNIBK | 34359.06592478715 | 4 | BNC | 2154463.35 | 4 | SOGEBL | 106383.56864193392 | 4 CAPITALBK | 13994359 | 5 | BNC | 33060.52897657213 | 5 | SOGEBL | 2007989.8581165026 | 5 | BNC | 106262.06411837238 | 5 SOGEBL | 4947470.94898 | 6 | CAPITALBK | 17727.54573739888 | 6 | BUH | 1524847.676448578 | 6 | BUH | 76561.38961248091 | 6 BPH | 367082.99480706966 | 7 | BPH | 10351.468749669768 | 7 | CAPITALBK | 1521391.08 | 7 | CAPITALBK | 47336.37461107654 | 7 CBNA | 96667 | 9 | CBNA | 4113.489361702128 | 8 | BPH | 1106904.721705 | 8 | BPH | 34058.60682169231 | 8 TOTAL | 141983512.86274537 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 | 8 | CBNA | 6846.274509803921 | 8 | BPH | 1026182.5688375 | 8 | BPH | 29744.422285144927 | 8 130451178.69862218 [partdemarc. (5)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes et en pourcentage) AU 30 JUIN 2004 | TRIM 4 2022 | AU 30 Septembre 2022 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BPH | -0.00954026312008516 | 1 | BPH | -0.16868577904218246 | 1 | SOGEBL | 0.39646323396380884 | 1 | CBNA | 16126.044444444444 | 1 | CBNA | 251296.53333333333 | 1 BNC | 0.014501256425361387 | 2 | SCOTIA | 0 | 2 | SOGEBK | 0.4814846113615545 | 2 | SOGEBL | 10563.36115679754 | 2 | UNIBK | 162788.7660560857 | 2 SOGEBL | 0.009625670113224943 | 3 | SOGEBL | 0.12501600840368496 | 3 | UNIBK | 0.5571778377168534 | 3 | UNIBK | 9809.145916605881 | 3 | SOGEBL | 153585.62304849672 | 3 SCOTIA | 0 | 4 | SOCABK | #REF! | 4 | CAPITALBK | 0.6816073274929266 | 4 | SOGEBK | 8284.082421658206 | 4 | BNC | 140017.06053798602 | 4 SOCABK | #REF! | 5 | BUH | 0.07360785050517939 | 5 | CBNA | 0.7862946915962031 | 5 | BNC | 6361.918509895227 | 5 | SOGEBK | 132804.2249526988 | 5 CAPITALBK | 0.03505819943823195 | 6 | BNC | 0.1680458266550967 | 6 | BUH | 0.7927898162742965 | 6 | BUH | 5404.519694523959 | 6 | BUH | 93825.67091632563 | 6 BUH | 0.005732304005390755 | 7 | CAPITALBK | 0.35706147186786724 | 7 | BNC | 0.7946307408312852 | 7 | CAPITALBK | 4981.180286961946 | 6 | CAPITALBK | 57113.27011852776 | 7 PROMOBK | #REF! | 8 | SOGEBK | 0.2071368074083345 | 8 | BPH | 0.9493169282696141 | 8 | BPH | 2101.50773027668 | 8 | BPH | 44702.83750758198 | 8 SOGEBK | 0.013180898654507753 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9 UNIBK | 0.028917322415471455 | 10 | UNIBK | 0.384420490784114 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 TRIM 3 2022 | AU 30 Juin 2022 AU 31 MARS 2004 | COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang UNIBK | 0.49085561971109004 | 1 | CBNA | 10308.595744680852 | 1 | CBNA | 259105.699574468 | 1 CBNA | -0.002152467589525793 | 1 | CBNA | -0.02513903616248677 | 1 | SOGEBK | 0.5231640021483848 | 2 | UNIBK | 9562.239759402539 | 2 | UNIBK | 153905.01461642343 | 2 BNC | 0.01616460834466482 | 2 | BPH | -0.05207899929455463 | 2 | CAPITALBK | 0.5390636935227693 | 3 | SOGEBK | 7460.142648488421 | 3 | SOGEBL | 153259.63457788082 | 3 BPH | -0.00337187055575921 | 3 | SCOTIA | 0 | 3 | SOGEBL | 0.630515069010463 | 4 | BNC | 6257.469811837238 | 4 | BNC | 140197.60049584464 | 4 SCOTIA | 0 | 4 | BNC | 0.1879498749021253 | 4 | BNC | 0.6350979167978958 | 5 | SOGEBL | 6152.128175754808 | 5 | SOGEBK | 130218.6867874847 | 5 SOGEBL | 0.009987018959129712 | 5 | SOGEBL | 0.11820023094343796 | 5 | BUH | 0.8048541994512503 | 6 | CAPITALBK | 5832.925948973242 | 6 | BUH | 91636.2990014225 | 6 PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | BPH | 1.068476867575209 | 7 | BUH | 5460.636972185002 | 6 | CAPITALBK | 57534.49284380834 | 7 SOCABK | #REF! | 7 | SOCABK | #REF! | 7 | CBNA | 1.3384574740353021 | 8 | BPH | 1696.85684953846 | 8 | BPH | 41466.33044597746 | 8 BUH | 0.008865296778616381 | 9 | UNIBK | 0.2734475711121911 | 9 CAPITALBK | 0.03369773639519513 | 10 | CAPITALBK | 0.3251212270075694 | 10 SOGEBK | 0.010347570271476382 | 11 | BICH | 11 BICH | #REF! | 12 | SOGEBK | 12 SOCABEL | #REF! | 13 | SOCABEL | 13 TRIM 4 2019 | TRIM 4 2021 | AU 30 Septembre 2021 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 | 0.42989772992814124 | 1 | CBNA | 15410.823529411764 | 1 | CBNA | 236122.70588235295 | 1 0.6124649307584453 | UNIBK | 0.5069837062045659 | 2 | SOGEBL | 8718.59772051282 | 2 | UNIBK | 138832.15069803302 | 2 BNC | 0.012804772919886341 | 1 | BPH | 0.6150987278894205 | 1 | SOGEBK | 0.5629279869420124 | 3 | UNIBK | 8049.580723824091 | 3 | BNC | 129646.85660613651 | 3 CBNA | 0.009096352708335505 | 2 | BNC | 0.6654913670758014 | 2 | CAPITALBK | 0.6439193413548027 | 4 | SOGEBK | 7021.008349300962 | 4 | SOGEBL | 129215.36456088461 | 4 BPH | -0.01696378627100233 | 3 | SCOTIA | 0.6863809888817263 | 3 | BUH | 0.7591414674378956 | 5 | BNC | 5277.074524333124 | 5 | SOGEBK | 114418.95399003767 | 5 SOGEBL | 0.013230792433120487 | 4 | SOGEBK | 0.7032448524580133 | 4 | BNC | 0.8083234277621223 | 6 | BUH | 4545.832566685721 | 6 | BUH | 81896.14012259238 | 6 SCOTIA | 0 | 5 | PROMOBK | 0.8990568060299869 | 5 | CBNA | 0.9817472509418579 | 7 | CAPITALBK | 4115.47011706716 | 7 | CAPITALBK | 47934.41774491682 | 7 SOGEBK | 0.014460481781901971 | 6 | CBNA | 1.0039156774860858 | 6 | BPH | 1.375523957854081 | 8 | BPH | 1110.1226162318844 | 8 | BPH | 36234.107127442025 | 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.sept. 22 | 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 | 0.503011605263141 | 18821258.16495976 | 0.05521752923094685 | 19860521.53784662 | 0.012554476306814227 | 20109859.98493449 | 0.10936239656836208 | 18127403.675427593 | 0.11268819226386657 | 16291539.535928499 | -0.2218753639612513 | 20936928.072172258 | 0.41063749319563647 | 14842174.671496972 Avoirs à la BRH | 198598953.7109242 | 0.024074664553125402 | 203380156.9021164 | 0.08476943567339858 | 220620578.02987605 | 0.039045052783458364 | 229234720.14416966 | 0.17799247816585675 | 194597779.18199432 | 0.5581389565547891 | 124891158.36771753 | -0.07505609380724572 | 135025656.7252747 | 0.23709477272798876 | 109147382.805217 Avoirs à l'étranger | 38860322.3835143 | -0.07323884761616753 | 36014237.15415295 | 0.038120058815304905 | 37387101.9926576 | -0.03071693612790085 | 36238684.768741824 | -0.11607028552863714 | 40997246.9252428 | 0.8490523297910515 | 22172031.72928892 | 0.0958618838145898 | 20232505.62571828 | 1.2254090391693744 | 9091589.57728957 Avoirs dans les banques locales | 363405.94549996033 | 0.1369506320565177 | 413174.6194292763 | 0.7697698492764795 | 731223.9839522172 | 0.07002798980632637 | 782430.1296465644 | 1.571935597492979 | 304218.3989401781 | 0.26425196145166263 | 240631.14649303202 | 0.7420928243156626 | 138127.626228848 | -0.8788853765284528 | 1140470.260895436 Autres liquidités | 1649508.9874436841 | 0.528406199358834 | 2521119.76230704 | -0.0719249493717254 | 2339788.3510430497 | 0.07552752482834207 | 2516506.773819519 | 0.46681532692001537 | 1715626.178452622 | -0.18554549139354778 | 2106472.68855825 | 1.035712684173447 | 1034759.327745474 | -0.4821236607532927 | 1998081.87655496 251994554.85947287 | 0.03633170466162717 | 261149946.60296544 | 0.07577741274631145 | 280939213.89537555 | 0.02827297690415879 | 288882201.801312 | 0.12958329835839766 | 255742274.3600575 | 0.5433883198973005 | 165701833.4679862 | -0.06577367618252486 | 177367977.37713957 | 0.30207288982375885 | 136219699.19145393 Bons B.R.H. | 6300000 | -0.7619047619047619 | 1500000 | 0.4 | 2100000 | -0.6190476190476191 | 800000 | -0.8688524590163934 | 6100000 | 0.5061728395061729 | 4050000 | 1.201086956521739 | 1840000 | -0.8577942653991808 | 12939000 Bons du Trésor / M.E.F. | 29715000 | 0.2586235907790678 | 37400000 | 0.011898395721925133 | 37845000 | 0.05601796802748051 | 39965000 | 0.5110783424077435 | 26448000 | 0.10420841683366733 | 23952000 | 1.8733779866534261 | 8335833.33319 | 0.7954625829652365 | 4642721.8324 Autres Placements | 83488667.5445304 | 0.005706385404444923 | 83965086.05844307 | 0.12609724153062402 | 94552851.7952942 | 0.038691266242992566 | 98211221.35814014 | 0.33329401187026897 | 73660588.35018319 | 0.4717288979450937 | 50050378.47189929 | -0.26071048992453283 | 67700647.43214078 | 0.25753423219696425 | 53836027.440672494 Portefeuille net | 131955726.11540988 | 0.03406715830817992 | 136451082.72665438 | 0.04054515380558639 | 141983512.86274537 | 0.0530395857375659 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012 | -0.13732603248487774 | 124751434.68466097 | 0.22038259522344747 | 102223216.86079066 Immobilisations | 13577351.81215 | 0.008299079081030093 | 13690031.32855 | 0.0033591893207793547 | 13736018.73559 | 0.01697225291022323 | 13969149.919549998 | 0.04526091416921278 | 13364270.80568 | 0.030057953242254312 | 12974290.197570002 | 0.19837678230914665 | 10826553.37545 | 0.07226507473117476 | 10096900.1328 Autres actifs | 15592283.640270585 | 0.010985858167805933 | 15763578.256854799 | 0.03650236448288073 | 16338986.135940926 | 0.15431980427185824 | 18860415.278439935 | 0.3021256224470254 | 14484328.511251023 | 0.3738481441274274 | 10542889.018094834 | -0.05212257092046869 | 11122629.039002296 | 0.22068340827293415 | 9111804.882102054 532623583.9718337 | 0.032473479436743564 | 549919724.9734677 | 0.0683297156749402 | 587495583.4249461 | 0.03864993225425083 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705 | -0.06730737764893079 | 401945075.24158365 | 0.221460006520873 | 329069370.34021914 PASSIF Dépôts À vue | 201185862.0532787 | 0.028983090673131224 | 207016850.13532096 | 0.07992851685132142 | 223563399.92986944 | 0.052899046414157665 | 235389690.5992665 | 0.1810964519041873 | 199297602.0034321 | 0.4990879970594297 | 132945899.36972937 | -0.06507977368200733 | 142200260.11557347 | 0.1906349238459129 | 119432293.86909571 Épargne | 149093664.40465552 | 0.02505443955434764 | 152829122.60741815 | 0.09547115459994823 | 167419895.3992454 | 0.02736798137039695 | 172001839.97756577 | 0.20970385870819858 | 142185080.04202008 | 0.45749917098703513 | 97554141.28004664 | -0.060610887447728294 | 103848490.44609116 | 0.2550529695619238 | 82744308.77793108 À terme | 82935335.38455732 | 0.04299021286654049 | 86500743.10689737 | 0.08325071340073555 | 93701991.68024033 | -0.009735372471009546 | 92789767.88995776 | 0.1266144747918965 | 82361597.48178053 | 0.3052412843890737 | 63100668.41038543 | -0.1956522277322602 | 78449484.8944287 | 0.20034062165813882 | 65356019.348957255 433214861.84249157 | 0.030312565804631496 | 446346715.84963644 | 0.08589414864796295 | 484685287.0093552 | 0.03197128502300874 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615 | -0.09521631559106729 | 324498235.4560933 | 0.2129295972771665 | 267532621.99598402 Obligations à vue Banques locales | 300000 | 0 | 300000 | 0 | 0 | 0 | 1000000 | 2.3333333333333335 | 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 | 0.13316441973165258 | 19725104.18124287 | 0.07030848446489751 | 21111946.362138268 | 0.11307021330308377 | 23499078.640548505 | 0.4066237528633815 | 16706015.800396381 | 0.22279379640350863 | 13662169.246795539 | -0.031013523077518604 | 14099442.63637903 | 0.6913444045749774 | 8336233.943980273 17707098.067828514 | 0.13090830041913357 | 20025104.18124287 | 0.05427398384840482 | 21111946.362138268 | 0.16043676032090773 | 24499078.640548505 | 0.440612482553231 | 17006015.800396383 | 0.20934512321217313 | 14062169.246795539 | -0.030157944725845806 | 14499442.63637903 | 0.38611173665345355 | 10460515.016910274 Obligations à terme Banques locales | 19818673.45204 | 0.05435515848005023 | 20895920.58839 | -0.1637652717483678 | 17473894.474799998 | 0.07846473732557532 | 18844979.014820002 | -0.08889799666700945 | 20683720.31439 | 0.08009787716952063 | 19149857.3894 | 0.20483143167381415 | 15894221.287699997 | 0.7511995793061917 | 9076190.67268 Banque à l'étranger | 0.41944 | 0.04851707037955377 | 0.43979 | 0.10689192569180744 | 0.4868 | 0.015529991783073153 | 0.49436 | -0.9992275395675808 | 639.981 | -0.8455089016889208 | 4142.51052 | 5.2790585070954466 | 659.73434 | -0.9996995103441091 | 2195530.95112 Autres | 10849079.141085835 | 0.0391935206764539 | 11274292.748722468 | 0.021111716781252572 | 11512312.424142426 | 0.03879859241327415 | 11958973.941621 | 0.20992854969449307 | 9884033.189100828 | 0.37958104541362175 | 7164517.968668834 | 0.03997763993376929 | 6889107.701512799 | 0.3037422653565075 | 5284102.45228107 30667753.012565836 | 0.04899155030109349 | 32170213.776902467 | -0.09897374053031908 | 28986207.385742426 | 0.06271072447900435 | 30803953.450801 | 0.007705997583081588 | 30568393.484490827 | 0.1614785314705818 | 26318517.868588835 | 0.15513214950735302 | 22783988.723552797 | 0.3761917630225263 | 16555824.076081071 Autres passifs | 8694850.098942488 | 0.027905819433292067 | 8937487.01580312 | 0.07825799653209348 | 9636916.84369147 | -0.006350159541139845 | 9575720.884249331 | 0.09104402553527072 | 8776658.558348682 | 0.4371087499240954 | 6107163.8168038735 | -0.04282208926218638 | 6380385.243216006 | 0.22199715231366923 | 5221276.687212977 490284563.0218284 | 0.03507138323054024 | 507479520.8235849 | 0.07279276357278697 | 544420357.6009274 | 0.03791131898963798 | 565060051.4423889 | 0.1767295425427094 | 480195347.37046856 | 0.4119714799617799 | 340088559.9923497 | -0.07625308450414144 | 368162052.0592411 | 0.2281474464923859 | 299770237.7761884 AVOIR DES ACTIONNAIRES Capital versé | 14408711.26157 | -4.771419091682796e-05 | 14408023.76157 | 0.08432801195405615 | 15623023.76157 | -2.0386578479350214e-05 | 15622705.26157 | 0.08369008875558102 | 14416211.26157 | -0.0009105399908589126 | 14429349.76157 | 0.11320054767539729 | 12962039.76157 | -0.0022020710292995683 | 12990646.08697 Réserves | 7430666.27956 | 0.13927139757530319 | 8465545.55723 | -0.03287816853838667 | 8187213.923630001 | 0.008917820460177663 | 8260226.02747 | 0.16423590658785386 | 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 | -0.056252764553727456 | 1307887.03833 | 0 | 1307887.03833 | -0.0026832090135864265 | 1304377.70404 | -0.10000497777305484 | 1449316.57601 | 0.08306599211208662 | 1338160.9122300001 | -0.14357217736930486 | 1562491.1719 | 0.0031615761079053705 | 1557566.8059 BNR | 19113798.781044003 | -0.04473474915955599 | 18258747.787087772 | -0.01652066702641529 | 17957101.094577998 | 0.11125327976035145 | 19954887.486337997 | 0.16730818331487665 | 17094789.33804 | 0.32093653046427917 | 12941416.142100008 | -0.01225459051212189 | 13101975.486588003 | 0.3454397660104336 | 9738061.723445745 42339020.95218401 | 0.0023898330608078996 | 42440204.144217774 | 0.014962738438588214 | 43075225.81810799 | 0.04798513814038063 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 | 0.15092665615592596 | 34802646.32275001 | 0.030181524583940307 | 33783023.178178005 | 0.15303833899570668 | 29299132.592245743 532623583.97401243 | 0.03247347942188402 | 549919724.9678026 | 0.06832971567519734 | 587495583.4190353 | 0.038649932260981665 | 610202247.9218069 | 0.1729005216943731 | 520250640.72808856 | 0.38773764752116596 | 374891206.3150997 | -0.06730737752251188 | 401945075.2374191 | 0.22146000640348742 | 329069370.36843413 Hors-bilan Effets à l'encaissement | 1283726.343762342 | 1325819.509183434 | 1500824.748189501 | 1537300.341460401 | 1267194.203952186 | 842980.4345114 | 1158998.117186356 | 957140.516234722 Crédit documentaire | 3473904.9657006394 | 3675670.9464904 | 4377023.9159423 | 4188643.145419392 | 3567610.27823485 | 2172312.9430766744 | 3511756.937318244 | 2897345.985376848 Autres | 19819320.619042337 | 19918521.04063188 | 23418683.380839054 | 151487184.2710981 | 20774183.971271355 | 14917365.835079007 | 20421271.079468198 | 21151163.45392444 Portefeuille brut | 140550274.24072292 | 0.033776698977625086 | 145297598.54497448 | 0.04158142358516911 | 151339279.5359809 | 0.05071636419477217 | 159014657.55390215 | 0.1484936095543595 | 138454978.09570163 | 0.218078583345102 | 113666704.25768009 | -0.11658920065531717 | 128668003.99315748 | 0.23052788207132727 | 104563257.66188471 Provisions pour créances douteuses | 8594548.125313032 | 0.02931715423932223 | 8846515.818320112 | 0.057565132462749975 | 9355766.673235523 | 0.015459055272363666 | 9500397.987352408 | 0.18698601951706315 | 8003799.397079452 | 0.32362264382143874 | 6046889.145059981 | 0.5439249681965298 | 3916569.3084965115 | 0.6737183841689384 | 2340040.801094044 Portefeuille de crédit improductif | 8909352.6110824 | 0.2755875740549038 | 11364659.48357032 | 0.15458847909583326 | 13121504.908577494 | -0.19112377913987372 | 10613673.30244776 | 0.3673656740786397 | 7762132.327622954 | 0.352540387218065 | 5738928.316653286 | -0.3175774236858533 | 8409640.178743772 | 2.157719483047736 | 2663200.523001188 4747324.304251552 | 20559679.458200514 Graphe Dépots US | 287934272.32396156 | 296103006.9206665 | 0.09488626294638192 | 324199114.6945552 | 0.0380301769432989 | 336528464.39125 | 0.20050798867282424 | 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 | 1500000 | 2100000 | 800000 immobilisations/Avoir des Actionnaires | 0.32068176133509835 | 0.3225722308504773 | 0.31888442775883585 | 0.3094477231722442 liquidites/actif | 0.5407375180643587 | 0.5456249939342368 | 0.5461900020161926 | 0.5402261347329118 liquidites/depot | 0.664819193031719 | 0.6722351390707783 | 0.6620465330716383 | 0.6590554321238766 comm/sal | 0.6460402239606812 | 0.6474715069458985 | 0.7731750219922644 | 0.6196078200926742 Prets /depots | 0.3179140404515945 | 0.32666473226945053 | 0.3871472402826818 [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 | 18821258.16495976 | 0.03422546475463821 | 19860521.53784662 | 0.03380539717773699 | 20109859.98493449 | 0.03295605687024513 | 18127403.675427593 | 0.034843597021117216 | 16291539.535928499 | 0.04345671294374051 | 20936928.072172258 | 0.05208902748612706 | 14842174.671496972 | 0.045103482758519595 Avoirs à la BRH | 198598953.7109242 | 0.37286924516175113 | 203380156.9021164 | 0.3698360827335826 | 220620578.02987605 | 0.3755272111897686 | 229234720.14416966 | 0.3756700682832025 | 194597779.18199432 | 0.3740462076327554 | 124891158.36771753 | 0.33313973835486366 | 135025656.7252747 | 0.33593061600299334 | 109147382.805217 | 0.3316850264501111 Avoirs à l'étranger | 38860322.3835143 | 0.07296019844583021 | 36014237.15415295 | 0.06548998975421468 | 37387101.9926576 | 0.06363809881718692 | 36238684.768741824 | 0.059387989624803544 | 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 | 413174.6194292763 | 0.0007513362417563964 | 731223.9839522172 | 0.0012446459251478487 | 782430.1296465644 | 0.0012822472095252355 | 304218.3989401781 | 0.0005847535305593619 | 240631.14649303202 | 0.000641869274257934 | 138127.626228848 | 0.0003436480124699333 | 1140470.260895436 | 0.0034657441976940102 Autres liquidités | 1649508.9874436841 | 0.003096950711688564 | 2521119.76230704 | 0.004584523245513112 | 2339788.3510430497 | 0.003982648409716876 | 2516506.773819519 | 0.004124053594330549 | 1715626.178452622 | 0.003297691620445056 | 2106472.68855825 | 0.005618890636371528 | 1034759.327745474 | 0.0025743799127867055 | 1998081.87655496 | 0.006071916916755812 251994554.85947287 | 0.4731194082325857 | 261149946.60296544 | 0.47488739672970504 | 280939213.89537555 | 0.47819800151955727 | 288882201.801312 | 0.4734204155821069 | 255742274.3600575 | 0.49157512618009525 | 165701833.4679862 | 0.4419997873982003 | 177367977.37713957 | 0.4412741648110378 | 136219699.19145393 | 0.4139543557354449 Bons B.R.H. | 6300000 | 0.01182824078689906 | 1500000 | 0.002727670843362404 | 2100000 | 0.0035744949566387336 | 800000 | 0.0013110407290725843 | 6100000 | 0.011725117707668715 | 4050000 | 0.01080313416875113 | 1840000 | 0.00457773987874859 | 12939000 | 0.03931997677760951 Bons du Trésor / M.E.F. | 29715000 | 0.0557898690448739 | 37400000 | 0.06800992636116927 | 37845000 | 0.0644175055399966 | 39965000 | 0.06549467842173229 | 26448000 | 0 | 23952000 | 0.06389053570615483 | 8335833.33319 | 0.02073873732170959 | 4642721.8324 | 0 Autres Placements | 83488667.5445304 | 0.15674985122128102 | 83965086.05844307 | 0.15268607806802018 | 94552851.7952942 | 0.1609422342276613 | 98211221.35814014 | 0.16094863906560625 | 73660588.35018319 | 0 | 50050378.47189929 | 0.13350640835276573 | 67700647.43214078 | 0.16843258346043977 | 53836027.440672494 | 0.16360084618332102 Portefeuille net | 131955726.11540988 | 0.2477466828100274 | 136451082.72665438 | 0.2481290932658177 | 141983512.86274537 | 0.2416758812636829 | 149514259.56654975 | 0.24502410483609624 | 130451178.69862218 | 0.2507467910402411 | 107619815.11262012 | 0.2870694572537841 | 124751434.68466097 | 0.31036935732993076 | 102223216.86079066 | 0.31064336603283327 Immobilisations | 13577351.81215 | 0.02549145817183341 | 13690031.32855 | 0.02489459953306914 | 13736018.73559 | 0.023380633187934097 | 13969149.919549998 | 0.022892655618813824 | 13364270.80568 | 0.025688139061271903 | 12974290.197570002 | 0.03460814759226206 | 10826553.37545 | 0.026935404965324795 | 10096900.1328 | 0.0306831964408021 Autres actifs | 15592283.640270585 | 0.0292744897324996 | 15763578.256854799 | 0.028665235198856255 | 16338986.135940926 | 0.02781124930452906 | 18860415.278439935 | 0.030908465746571998 | 14484328.511251023 | 0.027841058477206592 | 10542889.018094834 | 0.028122529528081815 | 11122629.039002296 | 0.02767201223280865 | 9111804.882102054 | 0.027689617154831262 532623583.9718337 | 1 | 549919724.9734677 | 1 | 587495583.4249461 | 1 | 610202247.9239918 | 1 | 520250640.72579384 | 1 | 374891206.2681705 | 1 | 401945075.24158365 | 1 | 329069370.34021914 | 1 PASSIF Dépôts À vue | 201185862.0532787 | 0.3777261617914348 | 207016850.13532096 | 0.3764492174658929 | 223563399.92986944 | 0.3805363073992031 | 235389690.5992665 | 0.38575683947429046 | 199297602.0034321 | 0.38307997415513995 | 132945899.36972937 | 0.35462528100653645 | 142200260.11557347 | 0.35378032690189304 | 119432293.86909571 | 0.3629395642189874 Épargne | 149093664.40465552 | 0.279923136885617 | 152829122.60741815 | 0.2779116945019417 | 167419895.3992454 | 0.28497217702170813 | 172001839.97756577 | 0.2818767721075172 | 142185080.04202008 | 0.2733011147158989 | 97554141.28004664 | 0.2602198708557153 | 103848490.44609116 | 0.25836487829506166 | 82744308.77793108 | 0.2514494396497102 À terme | 82935335.38455732 | 0.1557109709001228 | 86500743.10689737 | 0.1572970366012436 | 93701991.68024033 | 0.15949395080382078 | 92789767.88995776 | 0.1520639561811576 | 82361597.48178053 | 0.15831138115827997 | 63100668.41038543 | 0.16831728073463453 | 78449484.8944287 | 0.19517463884158226 | 65356019.348957255 | 0.19860863769054773 433214861.84249157 | 0.8133602695771747 | 446346715.84963644 | 0.8116579485690781 | 484685287.0093552 | 0.8250024352247319 | 500181298.4667901 | 0.8196975677629654 | 423844279.5272327 | 0.8146924700293188 | 293600709.0601615 | 0.7831624325968863 | 324498235.4560933 | 0.807319844038537 | 267532621.99598402 | 0.8129976415592453 Obligations à vue Banques locales | 300000 | 0.0005632495612809076 | 300000 | 0.0005455341686724808 | 0 | 0 | 1000000 | 0.0016388009113407302 | 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 | 19725104.18124287 | 0.03586906103830801 | 21111946.362138268 | 0.035935497998233666 | 23499078.640548505 | 0.03851031149179838 | 16706015.800396381 | 0.03211147568620015 | 13662169.246795539 | 0.0364430240516834 | 14099442.63637903 | 0.03507803305689154 | 8336233.943980273 | 0.025332755629494122 17707098.067828514 | 0.03324505072754139 | 20025104.18124287 | 0.036414595206980496 | 21111946.362138268 | 0.035935497998233666 | 24499078.640548505 | 0.040149112403139106 | 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 | 20895920.58839 | 0.03799812888944505 | 17473894.474799998 | 0.029743022701433343 | 18844979.014820002 | 0.030883168783683957 | 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 | 0.43979 | 7.997349068015679e-10 | 0.4868 | 8.286019737579693e-10 | 0.49436 | 8.101576185304035e-10 | 639.981 | 1.2301397632248413e-06 | 4142.51052 | 1.1049900479758767e-05 | 659.73434 | 1.6413544552162396e-06 | 2195530.95112 | 0.006671939563533605 Autres | 10849079.141085835 | 0.020369130221728142 | 11274292.748722468 | 0.02050170640681497 | 11512312.424142426 | 0.019595572713974538 | 11958973.941621 | 0.01959837739422854 | 9884033.189100828 | 0.018998598781755967 | 7164517.968668834 | 0.01911092564690314 | 6889107.701512799 | 0.01713942557293977 | 5284102.45228107 | 0.016057715875585528 30667753.012565836 | 0.05757866143266314 | 32170213.776902467 | 0.05849983609599492 | 28986207.385742426 | 0.04933859624400986 | 30803953.450801 | 0.050481546988070114 | 30568393.484490827 | 0.05875705110491612 | 26318517.868588835 | 0.0702030813967998 | 22783988.723552797 | 0.056684333574329254 | 16555824.076081071 | 0.05031104553718959 Autres passifs | 8694850.098942488 | 0.016324568345442044 | 8937487.01580312 | 0.01625234849729082 | 9636916.84369147 | 0.01640338602634382 | 9575720.884249331 | 0.015692700111852267 | 8776658.558348682 | 0.01687005814371415 | 6107163.8168038735 | 0.016290496321845552 | 6380385.243216006 | 0.015873773896548333 | 5221276.687212977 | 0.015866796359122665 490284563.0218284 | 0.9205085500828212 | 507479520.8235849 | 0.9228247283693444 | 544420357.6009274 | 0.9266799154933193 | 565060051.4423889 | 0.9260209272660268 | 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 | 14408023.76157 | 0.026200230883271464 | 15623023.76157 | 0.026592580782466218 | 15622705.26157 | 0.025602503620268537 | 14416211.26157 | 0.02771012687549632 | 14429349.76157 | 0.03848943245483403 | 12962039.76157 | 0.032248286046991224 | 12990646.08697 | 0.03947692267298897 Réserves | 7430666.27956 | 0.013951065073290013 | 8465545.55723 | 0.015394147859741605 | 8187213.923630001 | 0.013935788037589455 | 8260226.02747 | 0.013536865941698256 | 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 | 1307887.03833 | 0.002378323560576232 | 1307887.03833 | 0.0022262074392208355 | 1304377.70404 | 0.0021376153701132814 | 1449316.57601 | 0.002785804499900433 | 1338160.9122300001 | 0 | 1562491.1719 | 0 | 1557566.8059 | 0.0047332475954527725 BNR | 19113798.781044003 | 0.035886129259448604 | 18258747.787087772 | 0.033202569316764755 | 17957101.094577998 | 0.030565508237343303 | 19954887.486337997 | 0.03270208779831244 | 17094789.33804 | 0.03285875691415068 | 12941416.142100008 | 0.034520458004135314 | 13101975.486588003 | 0.032596432432250196 | 9738061.723445745 | 0.029592732114136697 42339020.95218401 | 0.07949144992126933 | 42440204.144217774 | 0.07717527162035406 | 43075225.81810799 | 0.0733200844966198 | 45142196.479417995 | 0.07397907273039252 | 40055293.35762 | 0.07699229990709759 | 34802646.32275001 | 0.09283398954376826 | 33783023.178178005 | 0.08404885458012684 | 29299132.592245743 | 0.0890363407629032 532623583.97401243 | 1.0000000000040905 | 549919724.9678026 | 0.9999999999896984 | 587495583.4190353 | 0.999999999989939 | 610202247.9218069 | 0.9999999999964194 | 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) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 10209943.917254493 | 9899916.06768 | 20109859.984934494 | 0.5077083542552447 | 7607470.174887593 | 10519933.50054 | 18127403.675427593 | 0.4196668376288115 Avoirs à la BRH | 149087525.59960967 | 80147194.54455999 | 229234720.14416966 | 0.6503706136044574 | 129430368.72212432 | 65167410.45987 | 194597779.18199432 | 0.6651173989045206 Avoirs à l'étranger | 36238684.768741824 | 0 | 36238684.768741824 | 1 | 40997246.9252428 | 0 | 40997246.9252428 | 1 Avoirs dans les banques locales | 323663.733756558 | 458766.39589000127 | 782430.1296465592 | 0.413664711381659 | 94958.3491301778 | 209260.0498100003 | 304218.3989401781 | 0.3121387446025266 Autres liquidités | 1048286.7072395189 | 1468220.0665799999 | 2516506.7738195187 | 0.4165642302835704 | 726263.469962622 | 989362.7084900001 | 1715626.1784526221 | 0.4233226789635853 196908104.72660208 | 91974097.07470998 | 288882201.8013121 | 0.6816207557917738 | 178856307.64134753 | 76885966.71871 | 255742274.36005753 | 0.6993615274944225 Bons B.R.H. | 0 | 800000 | 800000 | 0 | 0 | 6100000 | 6100000 | 0 Bons du Trésor / M.E.F. | 0 | 39965000 | 39965000 | 0 | 0 | 26448000 | 26448000 | 0 Autres Placements | 77979025.64570013 | 20232195.71244 | 98211221.35814013 | 0.7939930342719124 | 55123090.26768319 | 18537498.0825 | 73660588.35018319 | 0.7483389897135692 Portefeuille net | 75541687.04859972 | 73972572.51795001 | 149514259.56654972 | 0.505247374180893 | 58632557.03458227 | 71818621.6640399 | 130451178.69862217 | 0.4494597719966907 Immobilisations | 0 | 13969149.91955 | 13969149.91955 | 0 | 0 | 13364270.805680001 | 13364270.805680001 | 0 Autres actifs | 8570086.956256093 | 10290328.322183846 | 18860415.27843994 | 0.4543954536384407 | 5300946.062748093 | 9183382.34850293 | 14484328.411251023 | 0.3659780358632621 358998904.377158 | 251203343.5468338 | 610202247.9239918 | 0.5883277316636102 | 297912901.00636107 | 222337739.61943284 | 520250640.62579393 | 0.572633415017059 PASSIF Dépôts À vue | 153964267.06018648 | 81425423.53908001 | 235389690.59926647 | 0.654082456492537 | 131744169.1771621 | 67553432.82627001 | 199297602.0034321 | 0.6610424202439392 Épargne | 112856361.09213577 | 59145478.88542999 | 172001839.97756577 | 0.6561346152276956 | 90649060.19443007 | 51536019.84759 | 142185080.04202008 | 0.6375427025651388 À terme | 69707836.23892777 | 23081931.651030004 | 92789767.88995777 | 0.7512448605496721 | 57928490.73898055 | 24433106.742799994 | 82361597.48178054 | 0.7033434575111912 336528464.39125 | 163652834.07554 | 500181298.46679 | 0.6728129688631174 | 280321720.1105727 | 143522559.41666 | 423844279.5272327 | 0.6613790338830362 Obligations à vue Banques locales | 0 | 1000000 | 1000000 | 0 | 0 | 300000 | 300000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 11009340.164068505 | 12489738.47648 | 23499078.640548505 | 0.468500928588387 | 8308524.881046379 | 8397490.91935 | 16706015.80039638 | 0.4973373053345996 11009340.164068505 | 13489738.47648 | 24499078.640548505 | 0.4493777225502232 | 8308524.881046379 | 8697490.91935 | 17006015.80039638 | 0.4885638693133945 Obligations à terme Banques locales | 0 | 18844979.01482 | 18844979.01482 | 0 | 0 | 20683720.31439 | 20683720.31439 | 0 Banque à l'étranger | 0.49436 | 0 | 0.49436 | 1 | 639.981 | 0 | 639.981 | 1 Autres | 6065268.486501 | 5893705.455120001 | 11958973.941621002 | 0.507172982908839 | 4461928.201150828 | 5422104.98795 | 9884033.189100828 | 0.451427885336425 6065268.980861 | 24738684.46994 | 30803953.450801 | 0.19689904383696188 | 4462568.182150828 | 26105825.30234 | 30568393.484490827 | 0.14598634973784133 Autres passifs | 5522789.620208524 | 4052931.2640408063 | 9575720.88424933 | 0.5767492272349658 | 4808765.327817892 | 3967893.2305307896 | 8776658.558348682 | 0.5479038857269452 359125863.15638804 | 205934188.28600082 | 565060051.4423889 | 0.6355534464694024 | 297901578.5015878 | 182293768.8688808 | 480195347.37046856 | 0.6203758119125592 AVOIR DES ACTIONNAIRES Capital versé | 0 | 15622705.26157 | 15622705.26157 | 0 | 0 | 14416211.26157 | 14416211.26157 | 0 Réserves | 0 | 8260226.02747 | 8260226.02747 | 0 | 0 | 7094976.182000001 | 7094976.182000001 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1304377.70404 | 1304377.70404 | 0 | 0 | 1449316.57601 | 1449316.57601 | 0 BNR | 0 | 19954887.486337997 | 19954887.486337997 | 0 | 0 | 17094789.33804 | 17094789.33804 | 0 0 | 45142196.479417995 | 45142196.479417995 | 0 | 0 | 40055293.35762 | 40055293.35762 | 0 359125863.15638804 | 251076384.76541883 | 610202247.9218068 | 0.5885357918288225 | 297901578.5015878 | 222349062.2265008 | 520250640.6280886 | 0.5726116514569535 *Converties au taux de 117,7047 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 | 0.015170141950740665 | 3470909.9008400002 | 0.014168519844925356 | 3520087.5566499997 | 0.16544861757053925 | 4102481.1766249994 | 2738764.21528 | 0.16162754732237655 | 3181423.95809 | 0.01971444995581617 | 3244143.9814999998 | 0.06865997041136575 | 3466886.81128 Intérêts sur Bons B.R.H. | 171365.50549999997 | -0.03340546239628117 | 165640.96155 | 0.10061199146667212 | 182306.42855999997 | 0.25296814903497467 | 228424.14835 | 143461.43675 | 0.16877868588612216 | 167674.66952000002 | -0.06594879996874552 | 156616.72628000003 | -0.1668044995608884 | 130492.35162999999 Autres | 943251.56975 | 0.10732769442971825 | 1044488.5859984801 | 0.04790753819997478 | 1094527.46283164 | 0.279756014805164 | 1400728.1039282267 | 939276.17781142 | -0.06276583729634022 | 880321.7220585801 | 0.05433504664312821 | 928154.043887592 | 0.019310166553545314 | 946076.853062408 4533659.615420001 | 0.032507917547935854 | 4681039.448388481 | 0.024755612707569225 | 4796921.448041639 | 0.19485663690473543 | 5731633.428903227 | 3821501.82984142 | 0.10674298691728935 | 4229420.34966858 | 0.02352435884194109 | 4328914.751667592 | 0.0495600575692025 | 4543456.015972408 Dépenses d'intérêt | 783525.9312 | -0.0074963633003659325 | 777652.3361644673 | 0.042781796358748604 | 810921.7000481606 | 0.052160627105643204 | 853219.884456247 | 738819.89547 | -0.03606753009386739 | 712172.4866561878 | 0.01588747012784674 | 723487.1057638123 | 0.1147394167150336 | 806499.59428 3750133.6842200006 | 0.04086612395949518 | 3903387.1122240135 | 0.021164346090796825 | 3985999.7479934786 | 0.22388706795647323 | 4878413.54444698 | 3082681.93437142 | 0.14097008315896295 | 3517247.863012392 | 0.025070676371344615 | 3605427.645903779 | 0.03648076974670724 | 3736956.4216924077 AUTRES REVENUS Commissions | 1392439.7375000003 | 0.07851088856906416 | 1501761.4185699997 | 0.11189775710179989 | 1669805.15301 | 0.01398657457602189 | 1693160.00731 | 1083489.3257 | 0.016343298867812724 | 1101197.11557 | 0.23587380534097394 | 1360940.66965 | 0.18762474551493025 | 1616286.816454 Gains sur change | 1020534.51562 | 0.27856682100290214 | 1304821.57136 | 0.32520128053809433 | 1729151.2172400004 | -0.011070029101550641 | 1710009.4629441719 | 1246162.6528800002 | -0.0863063876705324 | 1138610.8558599998 | -0.23930907907442517 | 866130.9405200002 | 0.20477063403775767 | 1043489.12237 Autres | 919863.4674600001 | -0.04339073945420671 | 879949.9114100001 | 0.5389545039786118 | 1354202.87944 | -0.3808338576884928 | 838476.5727699999 | 867287.4199172001 | 0.07469020397857376 | 932065.2942188667 | 0.35656227451279066 | 1264404.6155199793 | -0.16107202768808718 | 1060744.40028 3332837.7205800004 | 0.10612433319989167 | 3686532.90134 | 0.28933048392496324 | 4753159.249690001 | -0.10761541530492387 | 4241646.043024171 | 3196939.3984972 | -0.00784066562541552 | 3171873.2656488665 | 0.10076157944341194 | 3491476.2256899793 | 0.06560093742833864 | 3720520.3391039995 PRODUIT NET BANCAIRE | 7082971.4048000015 | 0.071572872427589 | 7589920.013564013 | 0.15141648160529392 | 8739158.99768348 | 0.04358549717297009 | 9120059.58747115 | 6279621.332868621 | 0.06521090589479414 | 6689121.128661258 | 0.060962080830806065 | 7096903.871593758 | 0.05080706963580085 | 7457476.760796407 Dotation à la provision pour créances douteuses | 734937.9089200001 | -0.6902441879888569 | 227651.28875528614 | 1.1210610010904727 | 482862.27042682347 | 1.1123054441603335 | 1019952.6026021984 | 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 | 0.15977156226207437 | 7362268.724808726 | 0.12143376394769632 | 8256296.727256657 | -0.01891765128451277 | 8100106.984868951 | 5771442.410666176 | 0.06329580715947242 | 6136750.516523703 | 0.09506770954745264 | 6720157.332193758 | 0.05095106611155407 | 7062556.512706407 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2155345.26467 | 0.07612676159572136 | 2319424.71979 | -0.0688756156330282 | 2159672.9143 | 0.26529889822955416 | 2732631.759 | 1769747.3205300001 | 0.054476400654262555 | 1866156.78462 | 0.06819114637568502 | 1993412.1550800002 | 0.03259558441259336 | 2058388.58925 Frais de locaux | 318707.92462 | 0.020869021402677747 | 325359.0471200978 | 0.08151417286397068 | 351880.4207299022 | -0.08428419421555655 | 322222.4630084514 | 264973.13051 | 0.19332094400872096 | 316197.9862371392 | 0.19739947467252508 | 378615.3026128608 | -0.16306309807553912 | 316877.11838999996 Amortissement | 309887.79759000003 | 0.004894410886119082 | 311404.5158 | 0.005729364570762668 | 313188.6658 | 0.0256407445316945 | 321219.05637000006 | 301555.76876999997 | -0.011583243040739795 | 298062.7750099999 | -0.009982387602410676 | 295087.39686 | 0.13329477303519438 | 334421.00445 Autres dépenses d'exploitation | 1600031.2818629001 | 0.13726081832752463 | 1819652.88496104 | 0.14280915962402024 | 2079515.98426975 | 0.027734278165897297 | 2137189.859027917 | 1331472.7039899998 | -0.0014764862352105608 | 1329506.80287 | 0.0837396486307864 | 1440839.235394574 | 0.2644244656607291 | 1821832.3803167976 4383972.2687429 | 0.08938671937370743 | 4775841.1676711375 | 0.026888837572279393 | 4904257.985099652 | 0.12417885726179662 | 5513263.137406368 | 3667748.9238 | 0.038763674365648045 | 3809924.3487371393 | 0.07822458241436804 | 4107954.089947435 | 0.10310850442459109 | 4531519.092406797 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1964061.2271371009 | 0.31687725484387047 | 2586427.557137589 | 0.29601106859019133 | 3352038.742157005 | -0.22827746143590985 | 2586843.8474625833 | 2103693.486866176 | 0.10606710640758947 | 2326826.1677865637 | 0.12264649521765938 | 2612203.2422463233 | -0.03107178669486524 | 2531037.42029961 Impôts sur le revenu | 240502.4057744996 | 0.41619944109927104 | 340599.37264087645 | 0.6587351288218036 | 564964.1442540897 | -0.5615850654772649 | 247688.71831084974 | 291036.2914146925 | 0.16644611390231354 | 339478.1511252093 | -0.15039949097578903 | 288420.80999857583 | -0.31213426733729 | 198394.79178484264 0 BÉNÉFICE NET | 1723558.8213626014 | 0.3030180094005833 | 2245828.1844967124 | 0.24100081081113303 | 2787074.597902915 | -0.16071312518445344 | 2339155.1291517336 | 1812657.1954514836 | 0.09637278446703763 | 1987348.0166613543 | 0.16928812304932198 | 2323782.4322477477 | 0.0038128338281866038 | 2332642.6285147676 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct.21 -sept. 22) | 2021 (oct.20 -sept. 21) 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 | 3470909.9008400002 | 0.09099257017093573 | 3181423.95809 | 3520087.5566499997 | 0.08505897910930929 | 3244143.9814999998 | 4102481.1766249994 | 0.18333288623009103 | 3466886.81128 | 14512521.174284998 | 0.148940669398309 | 12631218.96615 | 12631218.96615 Intérêts sur Bons B.R.H. | 171365.50549999997 | 0.19450571095719893 | 143461.43675 | 165640.96155 | -0.012128892073095391 | 167674.66952000002 | 182306.42855999997 | 0.16402911036508186 | 156616.72628000003 | 228424.14835 | 0.7504792081429977 | 130492.35162999999 | 747737.0439599999 | 0.24988393343258522 | 598245.1841800001 | 598245.1841800001 Autres | 943251.56975 | 0.004232399407640585 | 939276.17781142 | 1044488.5859984801 | 0.18648507679215898 | 880321.7220585801 | 1094527.46283164 | 0.17925194641957218 | 928154.043887592 | 1400728.1039282267 | 0.4805648181689819 | 946076.853062408 | 4482995.722508347 | 0.2136446947318556 | 3693828.7968200003 | 3693828.7968200003 4533659.615420001 | 0.1863554741796716 | 3821501.82984142 | 4681039.448388481 | 0.10678037683232162 | 4229420.34966858 | 4796921.448041639 | 0.1081117839508762 | 4328914.751667592 | 5731633.428903227 | 0.26151401240681343 | 4543456.015972408 | 19743253.940753344 | 0.16663193164650866 | 16923292.947150003 | 16923292.947150003 Dépenses d'intérêt | 783525.9312 | 0.06051005935832342 | 738819.89547 | 777652.3361644673 | 0.09194380678158783 | 712172.4866561878 | 810921.7000481606 | 0.12085162760715734 | 723487.1057638123 | 853219.884456247 | 0.05792971317977712 | 806499.59428 | 3225319.851868875 | 0 | 2980979.0821700003 | 2980979.0821700003 3750133.6842200006 | 0.21651658006186045 | 3082681.93437142 | 3903387.1122240135 | 0.10978448612401957 | 3517247.863012392 | 3985999.7479934786 | 0.10555532920542098 | 3605427.645903779 | 4878413.54444698 | 0.30545101252147444 | 3736956.4216924077 | 16517934.08888447 | 0.18473405841005003 | 13942313.864980003 | 13942313.864980003 AUTRES REVENUS Commissions | 1392439.7375000003 | 0.2851439367899629 | 1083489.3257 | 1501761.4185699997 | 0.3637534982033261 | 1101197.11557 | 1669805.15301 | 0.22694926402591245 | 1360940.66965 | 1693160.00731 | 0.04756160235511503 | 1616286.816454 | 6257166.31639 | 0.21217951411545213 | 5161913.927374 | 5161913.927374 Gains sur change | 1020534.51562 | -0.18105833675768743 | 1246162.6528800002 | 1304821.57136 | 0.14597675285157913 | 1138610.8558599998 | 1729151.2172400004 | 0.9964085525011582 | 866130.9405200002 | 1710009.4629441719 | 0.6387420110909765 | 1043489.12237 | 5764516.767164173 | 0.34233545924766406 | 4294393.57163 | 4294393.57163 Autres | 919863.4674600001 | 0.060621250043981265 | 867287.4199172001 | 879949.9114100001 | -0.0559138754893163 | 932065.2942188667 | 1354202.87944 | 0.07102019623923292 | 1264404.6155199793 | 838476.5727699999 | -0.2095394776077338 | 1060744.40028 | 3992492.8310800004 | -0.03200602339378632 | 4124501.7299360456 | 4124501.7299360456 3332837.7205800004 | 0.042508882760393475 | 3196939.3984972 | 3686532.90134 | 0.162257313766239 | 3171873.2656488665 | 4753159.249690001 | 0.3613609093817301 | 3491476.2256899793 | 4241646.043024171 | 0.14006796265644728 | 3720520.3391039995 | 16014175.914634174 | 0.17917685497773905 | 13580809.228940044 | 13580809.228940044 PRODUIT NET BANCAIRE | 7082971.4048000015 | 0.1279296997936019 | 6279621.332868621 | 7589920.013564013 | 0.134666253993077 | 6689121.128661258 | 8739158.99768348 | 0.23140444844730848 | 7096903.871593758 | 9120059.58747115 | 0.2229417375344513 | 7457476.760796407 | 32532110.00351864 | 0.1819919524577899 | 27523123.093920045 | 27523123.093920045 Dotation à la provision pour créances douteuses | 734937.9089200001 | 0.44621879580283014 | 508178.922202445 | 227651.28875528614 | -0.5878649519851811 | 552370.6121375549 | 482862.27042682347 | 0.28166345255837394 | 376746.5394 | 1019952.6026021984 | 1.5826799398995546 | 394920.24809 | 2465404.070704308 | 0.345585693856218 | 1832216.3218299998 | 1832216.3218299998 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 6348033.495880001 | 0.09990415639394232 | 5771442.410666176 | 7362268.724808726 | 0.19970148778009067 | 6136750.516523703 | 8256296.727256657 | 0.22858682008884368 | 6720157.332193758 | 8100106.984868951 | 0.14690862583483233 | 7062556.512706407 | 30066705.932814334 | 0.17032482346937042 | 25690906.772090044 | 25690906.772090044 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2155345.26467 | 0.2178830501206928 | 1769747.3205300001 | 2319424.71979 | 0.24288845337413467 | 1866156.78462 | 2159672.9143 | 0.08340510957370341 | 1993412.1550800002 | 2732631.759 | 0.32755873855464246 | 2058388.58925 | 9367074.65776 | 0.21844878818332794 | 7687704.84948 | 7687704.84948 Frais de locaux | 318707.92462 | 0.20279337005444817 | 264973.13051 | 325359.0471200978 | 0.02897254657431011 | 316197.9862371392 | 351880.4207299022 | -0.07061225919411755 | 378615.3026128608 | 322222.4630084514 | 0.016868824879531348 | 316877.11838999996 | 1318169.8554784514 | 0.0325115557084071 | 1276663.5377500001 | 1276663.5377500001 Amortissement | 309887.79759000003 | 0.0276301423580293 | 301555.76876999997 | 311404.5158 | 0.04476151303883035 | 298062.7750099999 | 313188.6658 | 0.0613420604628124 | 295087.39686 | 321219.05637000006 | -0.03947703016355779 | 334421.00445 | 1255700.0355600002 | 0.02161948411931887 | 1229126.94509 | 1229126.94509 Autres dépenses d'exploitation | 1600031.2818629001 | 0.20170040066770856 | 1331472.7039899998 | 1819652.88496104 | 0.36866759991973264 | 1329506.80287 | 2079515.98426975 | 0.4432671828930827 | 1440839.235394574 | 2137189.859027917 | 0.17309906340356188 | 1821832.3803167976 | 7636390.010121608 | 0.2891356786735883 | 5923651.1225713715 | 5923651.1225713715 4383972.2687429 | 0.19527600166285417 | 3667748.9238 | 4775841.1676711375 | 0.2535265088017212 | 3809924.3487371393 | 4904257.985099652 | 0.19384439984391505 | 4107954.089947435 | 5513263.137406368 | 0.21664788892639159 | 4531519.092406797 | 19577334.55892006 | 0.21468987166636802 | 16117146.454891372 | 16117146.454891372 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1964061.2271371009 | -0.06637481201554805 | 2103693.486866176 | 2586427.557137589 | 0.11156887993827912 | 2326826.1677865637 | 3352038.742157005 | 0.2832227936730036 | 2612203.2422463233 | 2586843.8474625833 | 0.022048835278131586 | 2531037.42029961 | 10489371.373894274 | 0.09563755790405197 | 9573760.317198671 | 9573760.317198671 Impôts sur le revenu | 240502.4057744996 | -0.17363430998434495 | 291036.2914146925 | 340599.37264087645 | 0.0033027796102660534 | 339478.1511252093 | 564964.1442540897 | 0.9588189363204388 | 288420.80999857583 | 247688.71831084974 | 0.24846381340224855 | 198394.79178484264 | 1393754.6409803154 | 0.24739744363036792 | 1117330.0443233203 | 1117330.0443233203 BÉNÉFICE NET | 1723558.8213626014 | -0.04915346062810859 | 1812657.1954514836 | 2245828.1844967124 | 0.1300628604896247 | 1987348.0166613543 | 2787074.597902915 | 0.1993698546068421 | 2323782.4322477477 | 2339155.1291517336 | 0.0027918981490587715 | 2332642.6285147676 | 9095616.73291396 | 0.07558584880535792 | 8456430.272875352 | 8456430.272875352 Marge nette en % Revenu d'intérêt | 0.8271758363739855 | 0.02050817752339651 | 0.806667658850589 | 0.8338718686867325 | 0.8316146356292076 | 0.8309495561201606 | 0.8328710202747445 | 0.8511384415908967 | 0.8224920431836975 | 0.8366368653542321 | 0.8238534845742289 Frais d'exploitation en % Produit net bancaire | 0.6189453575616529 | 0.0348736867743763 | 0.5840716707872766 | 0.6292347164576425 | 0.5695702433033452 | 0.5611819153764842 | 0.5788374993199545 | 0.6045205170567433 | 0.6076477658272799 | 0.6017849612829477 | 0.5855856691805338 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 14512521.174284998 | 0.148940669398309 | 12631218.96615 | 12631218.96615 | -0.0780154166693527 | 13700032.727792501 | 0.009213809757034444 | 13574955.668800002 | 0.28974560523689 | 10525297.092449998 Intérêts sur Bons B.R.H. | 747737.0439599999 | 0.24988393343258522 | 598245.1841800001 | 598245.1841800001 | -0.41979894631794185 | 1031099.78926 | 0.2972424078048941 | 794839.71774 | -0.48372035860421997 | 1539552.70363 Autres | 4482995.722508347 | 0.2136446947318556 | 3693828.7968200003 | 3693438.2971200002 | 0.1466233351360828 | 3221143.4949399997 | 0.1872046271950245 | 2713216.76243 | 0.9477445944789268 | 1393004.38575 19743253.940753344 | 0.16663193164650866 | 16923292.947150003 | 16922902.44745 | -0.05733944619918138 | 17952276.0119925 | 0.05088469500824595 | 17083012.14897 | 0.269371173008731 | 13457854.181829998 Dépenses d'intérêt | 3225319.851868875 | 0.08196661665972073 | 2980979.0821700003 | 2980979.0821700003 | -0.2766428075641553 | 4121033.3060099995 | 0.06734835336553478 | 3861001.230775 | 0.32456912511129704 | 2914911.08888 16517934.08888447 | 0.18473405841005003 | 13942313.864980003 | 13941923.36528 | 0.00800222088862835 | 13831242.705982499 | 0.04607709005512363 | 13222010.918195 | 0.25411005272678355 | 10542943.092949998 AUTRES REVENUS Commissions | 6257166.31639 | 0.21217951411545213 | 5161913.927374 | 5161913.927374 | 0.00705841879223077 | 5125734.34773 | 0.09740206191196975 | 4670789.791300001 | 0.08623806784063293 | 4299968.790990001 Gains sur change | 5764516.767164173 | 0.34233545924766406 | 4294393.57163 | 4294393.571629999 | 0.690010859895623 | 2541044.9563 | 0.3212029208149823 | 1923281.3644799998 | -0.10300997058771345 | 2144150.21507 Autres | 3992492.8310800004 | -0.03200602339378632 | 4124501.7299360456 | 4124501.7299360465 | 1.0630330769333194 | 1999241.687422231 | -0.4695209127842268 | 3768747.4126742273 | 1.3530997022722424 | 1601609.7443873635 16014175.914634174 | 0.17917685497773905 | 13580809.228940044 | 13580809.228940045 | 0.4050051454419255 | 9666020.99145223 | -0.06724015984638976 | 10362818.568454228 | 0.2879900491149453 | 8045728.7504473645 PRODUIT NET BANCAIRE | 32532110.00351864 | 0.1819919524577899 | 27523123.093920045 | 27522732.594220046 | 0.1713164966193399 | 23497263.69743473 | -0.003712801454174941 | 23584829.48664923 | 0.26877432047553657 | 18588671.843397364 Dotation à la provision pour créances douteuses | 2465404.070704308 | 0.345585693856218 | 1832216.3218299998 | 1832216.32183 | -0.0721443583671605 | 1974678.2146042325 | 0.4275780599742894 | 1383236.59488 | 0.9381663545929539 | 713683.11167 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 30066705.932814334 | 0.17032482346937042 | 25690906.772090044 | 25690516.272390045 | 0.1936538150997001 | 21522585.4828305 | -0.030583724881761056 | 22201592.89176923 | 0.24204793776246256 | 17874988.731727365 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 9367074.65776 | 0.21844878818332794 | 7687704.84948 | 7687704.849479999 | 0.023320555923212874 | 7512508.96406 | 0.10903144974034822 | 6773936.812899999 | 0.217408794003298 | 5564225.30071 Frais de locaux | 1318169.8554784514 | 0.0325115557084071 | 1276663.5377500001 | 1276663.5377500001 | 0.008853460946946261 | 1265459.83849 | 0.2227896838535982 | 1034895.7430700001 | 0.23340425680549703 | 839056.40617 Amortissement | 1255700.0355600002 | 0.02161948411931887 | 1229126.94509 | 1229126.9450899998 | 0.1232949752391037 | 1094215.6532200002 | 0.15514566390857673 | 947253.39618 | 0.034603067251782166 | 915571.8034900001 Autres dépenses d'exploitation | 7636390.010121608 | 0.2891356786735883 | 5923651.1225713715 | 5923651.122571371 | -0.1012465040160323 | 6590963.0939305285 | 0.13623002560705647 | 5800729.557739999 | 0.19419593256707113 | 4857435.3668 19577334.55892006 | 0.21468987166636802 | 16117146.454891372 | 16117146.454891369 | -0.021016703747847632 | 16463147.549700528 | 0.13095804082392581 | 14556815.509889998 | 0.19550510477649546 | 12176288.87717 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 10489371.373894274 | 0.09563755790405197 | 9573760.317198671 | 9573369.817498676 | 0.8921805038482226 | 5059437.93312997 | -0.33818374553030306 | 7644777.381879233 | 0.34149500359552193 | 5698699.854557365 Impôts sur le revenu | 1393754.6409803154 | 0.24739744363036792 | 1117330.0443233203 | 1117330.0443233203 | 0.8329838502301781 | 609568.9518393797 | -0.2389581870711061 | 800966.4403240001 | 0.8456466041517587 | 433976.05940499995 BÉNÉFICE NET | 9095616.73291396 | 0.07558584880535792 | 8456430.272875352 | 8456039.773175357 | 0.9002896059925931 | 4449868.98129059 | -0.34979662365141656 | 6843810.941555233 | 0.29993732014143915 | 5264723.795152365 [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 30 SEPTEMBRE 2022 Actif | 120274655.00213 | 5654908.94470912 | 45411624.72350161 | 45776286 | 156974593.89408997 | 218706707.19635114 | 592798775.7607819 | 11749300.163209999 | 11749300.163209999 | 5654172 | 5654172 | 610202247.9239919 Bons B.R.H. | 800000 | 0 | 0 | 0 | 0 | 0 | 800000 | 0 | 0 | 0 | 0 | 800000 Prêts | 22033575 | 310180.8351391199 | 15318865.81299061 | 14510277 | 39968237.37019 | 52219581.492960006 | 144360717.51127973 | 5056875.055269999 | 5056875.055269999 | 96667 | 96667 | 149514259.56654972 Dépôts | 92094057 | 4690683.72937 | 37778218.982636556 | 37028252 | 129332295.37609139 | 187147926.7207068 | 488071433.80880475 | 8021818.657985269 | 8021818.657985269 | 4088046 | 4088046 | 500181298.46679 Avoir des Actionnaires | 9842604 | -350989.49713 | 3402337.9337179996 | 4681685 | 9676881.012829997 | 16466371.96907 | 43718890.418487996 | 952134.0609299999 | 952134.0609299999 | 471172 | 471172 | 45142196.479417995 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 Sept. 22/Sept. 21 Actif | 0.16181561174710765 | 0.13091239986930125 | 0.17853905544743237 | 0.17680518514976562 | 0.1485376622745154 | 0.20484270627840398 | 0.1758364317134995 | 0.16574413488971185 | 0.16574413488971185 | -0.0609448825959384 | -0.0609448825959384 | 0.1729005217037464 Bons B.R.H. | -0.2 | 0 | 0 | 0 | -1 | 0 | -0.8688524590163934 | 0 | 0 | 0 | 0 | -0.8688524590163934 Prêts | -0.09050578950008019 | 0.03488718909236587 | 0.1894056984488929 | 0.2171181591149883 | 0.1329775017952737 | 0.2782957527678963 | 0.15069467615007057 | 0.048856248464813914 | 0.048856248464813914 | -0.4462882346202314 | -0.4462882346202314 | 0.14613191738166267 Dépôts | 0.17949430932194144 | 0.14275078134580654 | 0.19833310653819397 | 0.19574335313889535 | 0.16153231073178817 | 0.1944090174683744 | 0.1826035107894244 | 0.21756413592273668 | 0.21756413592273668 | -0.10085488207430972 | -0.10085488207430972 | 0.18010628579134222 Avoir des Actionnaires | 0.1310342640293881 | -0.004444980957996317 | 0.05127384725056708 | 0.16174216472289643 | -0.009563707985374472 | 0.23551904190526105 | 0.12919219498359147 | 0.1074711266239172 | 0.1074711266239172 | -0.0155099823441532 | -0.0155099823441532 | 0.1269970257459187 RÉSULTATS TRIM 4 2022 (Juil. -Sept. 22) Revenus nets d'intérêt | 1099281 | 43374.006330000004 | 334753.9665432271 | 485908 | 1597193.9382399998 | 1176642.54808 | 4737153.459193227 | 130506.08525375297 | 130506.08525375297 | 10754 | 10754 | 4878413.54444698 Autres revenus | 266941 | 23086.17564 | 319192.91649417195 | 512196 | 850752.41736 | 2118004.33666 | 4090172.846154172 | 71518.19686999999 | 71518.19686999999 | 79955 | 79955 | 4241646.043024172 Dot. à la provision pr créances dout. | 50000 | 9000 | 34848.48686219829 | 112929 | 786179.80375 | 10094.44786 | 1003051.7384721981 | 16900.864129999998 | 16900.864129999998 | 0 | 0 | 1019952.6026021981 Frais d'exploitation | 1085642 | 63091.775799999996 | 518442.4292563684 | 680315 | 1178648.4996599997 | 1835704.2272800002 | 5361843.931996368 | 80095.20022999999 | 80095.20022999999 | 71324.00518 | 71324.00518 | 5513263.137406368 Bénéfice net | 230580 | -5631.593829999991 | 70459.17684318259 | 152273 | 371118.0521900002 | 1424736.9001599997 | 2243535.5353631824 | 76670.59896855296 | 76670.59896855296 | 18948.994820000007 | 18948.994820000007 | 2339155.1291517355 TRIM 4 2021 (Juil. -Sept. 21) Revenus nets d'intérêt | 818384.00192 | 35029.21560000001 | 339742.10227240797 | 387894 | 1162333.2952299998 | 843607.20973 | 3586989.824752408 | 138144.59694 | 138144.59694 | 11822 | 11822 | 3736956.421692408 Autres revenus | 235052 | 3270.0146600000003 | 194961.453384 | 447032 | 934315.3230800001 | 1787599.4893699999 | 3602230.280494 | 31868.05861 | 31868.05861 | 86422 | 86422 | 3720520.339104 Dot. à la provision pr créances dout. | 20000 | 12000 | -87381.28886 | 18439 | 449683.91792 | -42657.11 | 370084.51905999996 | 24835.729030000002 | 24835.729030000002 | 0 | 0 | 394920.24808999995 Frais d'exploitation | 851517 | 52681.50879 | 405915.641885266 | 537625 | 1180262.18603 | 1333978.9241 | 4361980.260805266 | 73088.05468 | 73088.05468 | 96450.77692153188 | 96450.77692153188 | 4531519.092406798 Bénéfice net | 181919.00191999995 | -26382.27852999999 | 151318.4418417993 | 256697 | 359702.5143599999 | 1354649.3225199997 | 2277904.002111799 | 53501.40332449998 | 53501.40332449998 | 1237.223078468116 | 1237.223078468116 | 2332642.6285147676 VARIATION TRIM 4 22 / TRIM 4 21 Revenus nets d'intérêt | 0.34323373553367525 | 0.23822373944336883 | -0.014682124163643851 | 0.25268243386079703 | 0.3741273219949797 | 0.39477535813923337 | 0.32064870284938957 | -0.05529359711089268 | -0.05529359711089268 | -0.09034004398578921 | -0.09034004398578921 | 0.3054510125214743 Autres revenus | 0.13566785221993433 | 6.0599608993801874 | 0.6372103867397991 | 0.14577032516687843 | -0.08943758456677386 | 0.1848315851815577 | 0.13545568374747466 | 1.2441968538227182 | 1.2441968538227182 | -0.07483048297887113 | -0.07483048297887113 | 0.1400679626564474 Dot. à la provision pr créances dout. | 0 | -0.25 | 1.3988094856100328 | 5.1244644503498025 | 0.748294240511095 | 1.2366416257453916 | 1.7103315237824859 | -0.3194939391718755 | -0.3194939391718755 | 0 | 0 | 1.5826799398995541 Frais d'exploitation | 0.2749504707480884 | 0.19760760937006558 | 0.2772171746042461 | 0.2654080446407812 | -0.001367227035738673 | 0.3761118666237557 | 0.22922241995806666 | 0.09587265088227118 | 0.09587265088227118 | -0.26051393823373686 | -0.26051393823373686 | 0.21664788892639134 Bénéfice net | 0.26748716498235314 | 0.7865387622378349 | -0.534364906315607 | -0.40679867703946676 | 0.031736052360688535 | 0.05173853961674666 | -0.015087759061292462 | 0.4330577181971426 | 0.4330577181971426 | 14.315746327220111 | 14.315746327220111 | 0.0027918981490595704 RÉSULTATS CUMUL 2022 (Octobre 21 - Septembre 2022) Revenus nets d'intérêt | 4110963.0114 | 167417.20245999997 | 1411370.282933347 | 1661062 | 4821039.630389999 | 3905587.6702300003 | 16077439.797413345 | 409505.291471125 | 409505.291471125 | 30989 | 30989 | 16517934.088884471 Autres revenus | 1421248 | 46417.41885 | 1096701.7255341718 | 2397080 | 3528478.63371 | 7132795.236020001 | 15622721.014114173 | 115434.90052 | 115434.90052 | 276020 | 276020 | 16014175.914634174 Dot. à la provision pr créances dout. | 430000 | 36002.51826 | 169842.66459430777 | 189086 | 1815833.61457 | -186425.86183 | 2454338.935594308 | 11065.13511 | 11065.13511 | 0 | 0 | 2465404.0707043083 Frais d'exploitation | 3600050 | 221407.89015 | 1989946.2810271583 | 2366033 | 4474795.24361 | 6324612.40327 | 18976844.818057157 | 294886.63133 | 294886.63133 | 305603.1095329 | 305603.1095329 | 19577334.558920056 Bénéfice net | 1502161.0114000002 | -43575.787100000016 | 243798.14399223748 | 1198227 | 1557889.405919998 | 4471424.51742 | 8929924.291632235 | 159861.55081462505 | 159861.55081462505 | 5830.89046710002 | 5830.89046710002 | 9095616.73291396 CUMUL 2021 (Octobre 20 -Septembre 21) Revenus nets d'intérêt | 3621123.30863 | 142300.99094000002 | 1392027.8499399999 | 1323088 | 3860291.68961 | 3144128.6079499996 | 13482960.44707 | 403600.41790999996 | 403600.41790999996 | 55753 | 55753 | 13942313.864980001 Autres revenus | 973247 | 27526.21252 | 693512.948694 | 1829469 | 3418356.6165960464 | 6262273.43977 | 13204385.217580047 | 77005.01136 | 77005.01136 | 299419 | 299419 | 13580809.228940047 Dot. à la provision pr créances dout. | 445000 | 48000 | 65137.02223999999 | 94553 | 1144469.03525 | -3111.7980499999976 | 1794047.25944 | 38169.06239000001 | 38169.06239000001 | 0 | 0 | 1832216.32183 Frais d'exploitation | 2940770.1787400004 | 200661.76457000003 | 1492969.065795266 | 1904689 | 4046009.68375 | 4960450.3695 | 15545550.062355267 | 282178.50802999997 | 282178.50802999997 | 289417.88450610574 | 289417.88450610574 | 16117146.454891372 Bénéfice net | 1208600.1298899995 | -78834.56111000001 | 369204.2974191136 | 1025285 | 1694169.587206046 | 4074807.9307499994 | 8293232.384155158 | 117864.77322629999 | 117864.77322629999 | 45333.11549389426 | 45333.11549389426 | 8456430.272875352 VARIATION CUMUL 22/ CUMUL 21 Revenus nets d'intérêt | 0.13527285900554548 | 0.1765006087033504 | 0.013895147998785202 | 0.2554433265209873 | 0.24887962310357487 | 0.24218445147397416 | 0.19242653425621778 | 0.014630494169710599 | 0.014630494169710599 | -0.4441734077090022 | -0.4441734077090022 | 0.18473405841005033 Autres revenus | 0.4603158293834967 | 0.6862987894274966 | 0.5813716637871624 | 0.31025997160924834 | 0.03221490015971823 | 0.13901050546939595 | 0.18314641361071504 | 0.49905698968524886 | 0.49905698968524886 | -0.07814801331912805 | -0.07814801331912805 | 0.17917685497773872 Dot. à la provision pr créances dout. | -0.033707865168539325 | -0.24994753625000007 | 1.6074674394619333 | 0.9997884784195108 | 0.5866166393687933 | -58.90937034940303 | 0.36804586539175893 | -0.7101019931550905 | -0.7101019931550905 | 0 | 0 | 0.34558569385621807 Frais d'exploitation | 0.22418610812439416 | 0.10338853355773597 | 0.3328784410996254 | 0.2422148707741789 | 0.10597739337652429 | 0.2750076973167062 | 0.22072520701670323 | 0.04503575906159715 | 0.04503575906159715 | 0.05592337548322032 | 0.05592337548322032 | 0.21468987166636777 Bénéfice net | 0.2428933062722069 | 0.44725020997836806 | -0.3396660177129993 | 0.16867700200432076 | -0.08044069632414766 | 0.09733381141157266 | 0.07677246675174866 | 0.3563132260704509 | 0.3563132260704509 | -0.8713767980961873 | -0.8713767980961873 | 0.07558584880535792 0 | 0 [sysratfinclé sept. 22] 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 2022 | 0.08183439811010634 | -0.062068107649796 | 0.07492218026626138 | 0.10227315077505414 | 0.06164616052046577 | 0.07528974387734151 | 0.07374996745291919 | 0.08103751267768017 | 0.08103751267768017 | 0.08333174158833513 | 0.08333174158833513 | 0.0739790727303925 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 30 septembre 2022 | 0.765697951894928 | 0.8294888167489815 | 0.8319063502496844 | 0.8088959423226253 | 0.823905908387642 | 0.8557027313876048 | 0.8233340785537676 | 0.6827486357956529 | 0.6827486357956529 | 0.7230140858820708 | 0.7230140858820708 | 0.8196975677629652 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 30 septembre 2022 | 0.2061279151235176 | 0.8837942060835163 | 0.11408158078922474 | 0.006870518254882838 | 0.04079652422411654 | 0.00150175380596432 | 0.06663403455584209 | 0.07124213430332414 | 0.07124213430332414 | 0 | 0 | 0.06674650919428593 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 30 septembre 2022 | 0.6844699825768059 | 0.8711693742290048 | 0.3971745454698088 | 3.231813411536236 | 1.623604489028084 | 9.169258965939676 | 0.9062896479807585 | 0.5907699247156862 | 0.5907699247156862 | 0 | 0 | 0.8951093289409423 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 30 septembre 2022 | 0.16951337268064426 | -0.43736044774056343 | 0.32433516656661493 | -0.048604081650089656 | -0.11253186734818964 | -0.03944924059046916 | 0.021944001664773515 | 0.16164521078016045 | 0.16164521078016045 | 0 | 0 | 0.02466152296339709 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 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2022 (juil. - sept. 2022) | 0.007883922288292948 | -0.004078821286011897 | 0.0063182329260558145 | 0.013240374726003411 | 0.009527779067045439 | 0.02683211789763392 | 0.015437601219708589 | 0.026301638224567984 | 0.026301638224567984 | 0.012908963439552664 | 0.012908963439552664 | 0.015624342420439726 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 CUMUL 2022 (octobre 2021 - septembre 2022) | 0.013424277485871085 | -0.008179240704489846 | 0.005808606807929885 | 0.028301767134140763 | 0.010610589707617024 | 0.022344288908249615 | 0.01628137736653519 | 0.014647318005265836 | 0.014647318005265836 | 0.0009988419942406658 | 0.0009988419942406658 | 0.01609198724553268 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 ROE (rendement de l'avoir des actionn.) TRIM 4 2022 (juil. - sept. 2022) | 0.09481754161529071 | -0.0684437011341434 | 0.08365534134771802 | 0.13230823335777445 | 0.15449711479319964 | 0.3617459899133362 | 0.21000391077805397 | 0.33561261933379466 | 0.33561261933379466 | 0.16416787441141184 | 0.16416787441141184 | 0.2121263639975873 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 CUMUL 2022 (octobre 2021 - septembre 2022) | 0.16200253044124027 | -0.12442656964191413 | 0.07344718595589103 | 0.27508870963298454 | 0.16021732726987387 | 0.3001573948726735 | 0.2166514717707131 | 0.1764601706585961 | 0.1764601706585961 | 0.012278570359045997 | 0.012278570359045997 | 0.2135184205617245 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2022 (juil. - sept. 2022) | 0.8923351042888511 | 0.8072015395866203 | 0.7079805821056311 | 0.8209208894655571 | 0.8903138384564633 | 0.8383169864575818 | 0.8538598517752259 | 0.7584482235809376 | 0.7584482235809376 | 0.9242801890846584 | 0.9242801890846584 | 0.8511384415908967 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 CUMUL 2022 (octobre 2021 - septembre 2022) | 0.8894728611533587 | 0.8040760696012017 | 0.7407085462128182 | 0.7993268773615595 | 0.8647163500819798 | 0.8223947513581819 | 0.8400862877723744 | 0.7168337269853914 | 0.7168337269853914 | 0.9076769866143347 | 0.9076769866143347 | 0.8366368653542322 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 Rendement moyen des prêts TRIM 4 2022 (juil. - sept. 2022) | 0.07609584982290095 | 0.016115680018635756 | 0.09309445012105606 | 0.14490838322525623 | 0.1409974986077111 | 0.08616690466955708 | 0.10555154489165082 | 0.1087913307976483 | 0.1087913307976483 | 0.24893707263078405 | 0.24893707263078405 | 0.10574974405269069 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 CUMUL 2022 (octobre 2021 - septembre 2022) | 0.07913494619422924 | 0.0184541692292859 | 0.11366742252460704 | 0.14536228814988364 | 0.11372415049100124 | 0.07746518073442459 | 0.09746746948339706 | 0.09780828444250475 | 0.09780828444250475 | 0.20038562638480795 | 0.20038562638480795 | 0.09757312636359047 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 Rendement moyen des prêts productifs TRIM 4 2022 (juil. - sept. 2022) | 0.09965577743923786 | 0.1254959725292135 | 0.10920170418203277 | 0.14579140680521516 | 0.1465475836032492 | 0.08631841208813087 | 0.11436941256465137 | 0.11573762474410372 | 0.11573762474410372 | 0.24893707263078405 | 0.24893707263078405 | 0.1145069832183302 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 CUMUL 2022 (octobre 2021 - septembre 2022) | 0.09738041457047548 | 0.1382750432870205 | 0.12458455227695817 | 0.14619540671723333 | 0.11750112390798706 | 0.07770523120931115 | 0.10391192509078516 | 0.10367512754125206 | 0.10367512754125206 | 0.20038562638480795 | 0.20038562638480795 | 0.10399743464962523 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 Rémunération moyenne des dépôts TRIM 4 2022 (juil. - sept. 2022) | 0.005951963754203808 | 0.009089230227218534 | 0.01485188832492587 | 0.011296959519179542 | 0.0061107130587003825 | 0.004964755579890735 | 0.006755667960861668 | 0.02071227440771414 | 0.02071227440771414 | 0.0008100803046122625 | 0.0008100803046122625 | 0.006930643374757185 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 CUMUL 2022 (octobre 2021 - septembre 2022) | 0.006003690507811597 | 0.009276072555108485 | 0.014257861429705245 | 0.012266024250557107 | 0.006267652596267851 | 0.004906166998469684 | 0.006795002510713612 | 0.022143966999330952 | 0.022143966999330952 | 0.0007300827203178639 | 0.0007300827203178639 | 0.006981018553340822 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2022 (juil. - sept. 2022) | 0.7946307408312852 | 0.9493169282696141 | 0.7927898162742965 | 0.6816073274929266 | 0.4814846113615545 | 0.5571778377168534 | 0.6074142663955089 | 0.39646323396380884 | 0.39646323396380884 | 0.7862946915962031 | 0.7862946915962031 | 0.6045205170567433 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 CUMUL 2022 (octobre 2021 - septembre 2022) | 0.6507434355959172 | 1.0354164764976057 | 0.7934167257992941 | 0.5830335656071177 | 0.5359345416190119 | 0.572965483892479 | 0.5986356009637773 | 0.561752816471301 | 0.561752816471301 | 0.9954206864714064 | 0.9954206864714064 | 0.6017849612829476 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 Productivité par employé ('000) TRIM 4 2022 (juil. - sept. 2022) | 6361.918509895227 | 2101.50773027668 | 5404.519694523959 | 4981.180286961946 | 8284.082421658206 | 9809.145916605881 | 7361.472995181818 | 10563.36115679754 | 10563.36115679754 | 16126.044444444444 | 16126.044444444444 | 7451.790082705464 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 CUMUL 2022 (octobre 2021 - juin 2022) | 6754.8363997558 | 1638.5794736398464 | 5258.012596367964 | 5034.915632754342 | 7090.885999235667 | 8302.657319481008 | 6688.50317787267 | 6817.405090793831 | 6817.405090793831 | 13348.217391304348 | 13348.217391304348 | 6722.204773947442 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 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 22 ] 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 2022 | 0.08453828080120149 | -0.05699821592332317 | 0.0761539449753558 | 0.09789278215508394 | 0.0616934436809952 | 0.07298972053179775 | 0.073262438899672 | 0.07565946881307865 | 0.07565946881307865 | 0.07426921704330591 | 0.07426921704330591 | 0.07332008449661981 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 30 juin 2022 | 0.7579449558519507 | 0.8213556988377361 | 0.835491944205346 | 0.8227477513286313 | 0.8295599138945747 | 0.8662947098197487 | 0.8283811788170311 | 0.6941395164809281 | 0.6941395164809281 | 0.7574870877451949 | 0.7574870877451949 | 0.8250024352247319 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 30 juin 2022 | 0.2653888699235632 | 0.8593509453446603 | 0.1795261904107955 | 0.005208969928074696 | 0.03481482475688844 | 0.0020469217341074764 | 0.08810638855611949 | 0.04851361544850205 | 0.04851361544850205 | 0 | 0 | 0.08670257284697765 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 30 juin 2022 | 0.501180780900637 | 0.8462386358091112 | 0.4649659923328839 | 3.3656886397024137 | 1.6013322115235527 | 7.19781739606222 | 0.7110536205575596 | 0.8137932089681862 | 0.8137932089681862 | 0 | 0 | 0.713010187354324 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 30 juin 2022 | 0.36926801264749237 | -0.5787125377208372 | 0.4821331693964625 | -0.03878636573960519 | -0.08984148955485266 | -0.03880314185298652 | 0.08908807713653255 | 0.053149354634739146 | 0.053149354634739146 | 0 | 0 | 0.0874223678186483 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 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2022 (avril - juin 2022) | 0.014501256425361387 | -0.00954026312008516 | 0.005732304005390755 | 0.03505819943823195 | 0.013180898654507753 | 0.028917322415471455 | 0.02012112569416985 | 0.009625670113224943 | 0.009625670113224943 | -0.01014669294077686 | -0.01014669294077686 | 0.01960286328009687 TRIM 3 2021 (avril - juin 2021) | 0.01854313454212857 | -0.01300475364812358 | 0.006412908238969311 | 0.03367184546570979 | 0.015529647146222365 | 0.02603528974661471 | 0.02020369372665318 | 0.011349995326862643 | 0.011349995326862643 | 0.014202235996729092 | 0.014202235996729092 | 0.019950871816362393 CUMUL 2022 (octobre 2021 - juin 2022) | 0.01561012645028106 | -0.009737773029291614 | 0.00561415267735569 | 0.032765001195164595 | 0.010863835478889652 | 0.020960942985606825 | 0.016602047427650323 | 0.010246815439494053 | 0.010246815439494053 | -0.0028886282478422444 | -0.0028886282478422444 | 0.016264764032194252 CUMUL 2021 (octobre 2020 - juin 2021) | 0.014645645597504612 | -0.01532424078660198 | 0.008927426923273876 | 0.032404400585040107 | 0.015835200562598635 | 0.02545916754638093 | 0.019232714996362657 | 0.009785462708572843 | 0.009785462708572843 | 0.011239049168265042 | 0.011239049168265042 | 0.018943474888722982 ROE (rendement de l'avoir des actionn.) TRIM 3 2022 (avril - juin 2022) | 0.1680458266550967 | -0.16868577904218246 | 0.07360785050517939 | 0.35706147186786724 | 0.2071368074083345 | 0.384420490784114 | 0.267896066059294 | 0.12501600840368496 | 0.12501600840368496 | -0.12862722006217472 | -0.12862722006217472 | 0.26073185614626726 TRIM 3 2021 (avril - juin 2021) | 0.20816522668438317 | -0.1814712405043372 | 0.07724979698137946 | 0.32892527328689025 | 0.2080623559405835 | 0.3225716393846873 | 0.2490287971486955 | 0.13331256542834347 | 0.13331256542834347 | 0.16899227209281942 | 0.16899227209281942 | 0.24555892029586734 CUMUL 2022 (octobre 2021 - juin 2022) | 0.18514917375437787 | -0.15408211479819015 | 0.07033324198380678 | 0.32601889769363046 | 0.16388812395237728 | 0.2863852619263382 | 0.22159300202634266 | 0.12784835239551542 | 0.12784835239551542 | -0.03758154013587318 | -0.03758154013587318 | 0.21673425261882062 CUMUL 2021 (octobre 2020 - juin 2021) | 0.1639159317846849 | -0.21410922794418405 | 0.09867217757864845 | 0.2856623180626953 | 0.20200953547221426 | 0.3047638584334084 | 0.22743437694845103 | 0.10131441831435078 | 0.10131441831435078 | 0.12644146638573442 | 0.12644146638573442 | 0.22322979988275546 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2022 (avril - juin 2022) | 0.8820861030533907 | 0.804125909768196 | 0.7758772238421225 | 0.7889157065263712 | 0.8620560404589264 | 0.8049924557813037 | 0.8345401726055454 | 0.7107911722591582 | 0.7107911722591582 | 0.8779342723004695 | 0.8779342723004695 | 0.8309495561201607 TRIM 3 2021 (avril - juin 2021) | 0.9145257247864683 | 0.7546998175593943 | 0.7430818906155263 | 0.7959235703587021 | 0.8380277127606562 | 0.8171584027298451 | 0.8364701649507802 | 0.7097164313035347 | 0.7097164313035347 | 0.9609944821462548 | 0.9609944821462548 | 0.8328710202747445 CUMUL 2022 (octobre 2021 - juin 2022) | 0.8884326950825625 | 0.8029888945420977 | 0.7515103777636202 | 0.7907264983144593 | 0.8525721537040425 | 0.8157146389778976 | 0.8344633865128464 | 0.6988963363721356 | 0.6988963363721356 | 0.8990935750466542 | 0.8990935750466542 | 0.8307048092398406 CUMUL 2021 (octobre 2020 - juin 2021) | 0.8810536422643965 | 0.7027812217798918 | 0.7636576210458883 | 0.7833154087639418 | 0.8371116892382033 | 0.8144275785565329 | 0.8278888452002042 | 0.6961276427589153 | 0.6961276427589153 | 0.9692229625380576 | 0.9692229625380576 | 0.8243475990686558 Rendement moyen des prêts TRIM 3 2022 (avril - juin 2022) | 0.0654482747982354 | 0.01843891047492803 | 0.11222829934872594 | 0.1448978198601099 | 0.10886985041497797 | 0.08003014934419056 | 0.09457980532222261 | 0.1020850020215895 | 0.1020850020215895 | 0.24620604756535322 | 0.24620604756535322 | 0.09493324173103873 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 CUMUL 2022 (octobre 2021 - juin 2022) | 0.07869014714419756 | 0.019050206484997754 | 0.11446414251345922 | 0.14495222345742934 | 0.10486670448539676 | 0.07907832229975778 | 0.09571590540491948 | 0.09490263222443612 | 0.09490263222443612 | 0.20803670946898337 | 0.20803670946898337 | 0.09579246630797188 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 Rendement moyen des prêts productifs TRIM 3 2022 (avril - juin 2022) | 0.08590593468087729 | 0.12987277369971886 | 0.1359051026021244 | 0.14564642878934778 | 0.11300942902165849 | 0.08019377262685874 | 0.10322841264230738 | 0.10734227767126663 | 0.10734227767126663 | 0.24620604756535322 | 0.24620604756535322 | 0.10347465223038341 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 CUMUL 2022 (octobre 2021 - juin 2022) | 0.10051039326499038 | 0.13033930511254763 | 0.13073002487132124 | 0.14564773206394965 | 0.10797674550207964 | 0.07935610686924241 | 0.10326715703788368 | 0.09936459909325453 | 0.09936459909325453 | 0.20803670946898337 | 0.20803670946898337 | 0.10323172294050854 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 Rémunération moyenne des dépôts TRIM 3 2022 (avril - juin 2022) | 0.006077212962581006 | 0.009416366180181922 | 0.012780412825913055 | 0.01212609402964075 | 0.006099495797004544 | 0.005215718597937413 | 0.006785805439105902 | 0.021253780031581432 | 0.021253780031581432 | 0.0007520183376779264 | 0.0007520183376779264 | 0.0069679383527784305 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 CUMUL 2022 (octobre 2021 - juin 2022) | 0.006139941582644379 | 0.009511614267556118 | 0.013935279031897826 | 0.012019680905772786 | 0.0062038202056707535 | 0.0049045261223624155 | 0.006780454834957238 | 0.021923831727903322 | 0.021923831727903322 | 0.0006612134752161772 | 0.0006612134752161772 | 0.006962459061419659 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2022 (avril - juin 2022) | 0.6350979167978958 | 1.068476867575209 | 0.8048541994512503 | 0.5390636935227693 | 0.5231640021483848 | 0.49085561971109004 | 0.5547439163032288 | 0.6305150650104628 | 0.6305150650104628 | 1.3384574740353021 | 1.3384574740353021 | 0.5611819153764842 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 CUMUL 2022 (octobre 2021 - juin 2022) | 0.6035560807096372 | 1.0742440484184441 | 0.7936378357579457 | 0.5508813942833389 | 0.5585201358306892 | 0.5796824896304612 | 0.5952476455151235 | 0.6651621197240457 | 0.6651621197240457 | 1.08312114818724 | 1.08312114818724 | 0.6007193377592271 CUMUL 2021 (octobre 2020 - juin 2021) | 0.5900287883852877 | 1.12508580630968 | 0.7009461688080615 | 0.5898540362982718 | 0.5530612969129957 | 0.5352571045997448 | 0.5735830221974505 | 0.6731980620337789 | 0.6731980620337789 | 0.7510551889423257 | 0.7510551889423257 | 0.5773974405641941 Productivité par employé ('000) TRIM 3 2022 (avril - juin 2022) | 6257.469811837238 | 1656.8568495384613 | 5460.636972185002 | 5832.925948973242 | 7460.142648488421 | 9562.239759402539 | 7212.023228777518 | 6152.128175754808 | 6152.128175754808 | 10308.595744680852 | 10308.595744680852 | 7210.527225811453 TRIM 3 2021 (avril - juin 2021) | 5864.200743157895 | 1326.0900385401458 | 4358.543166911083 | 4179.288282703038 | 6157.552107541993 | 7388.594293415194 | 5791.397387211243 | 5733.70324789809 | 5733.70324789809 | 15509.735849056604 | 15509.735849056604 | 5843.4778687474345 CUMUL 2022 (octobre 2021 - juin 2022) | 6741.082542718446 | 1466.4123317412934 | 5215.541843685288 | 5052.6943240454075 | 6676.930457926745 | 7810.122059011599 | 6433.990015803128 | 5628.164006402996 | 5628.164006402996 | 12272.340425531916 | 12272.340425531916 | 6449.600665577821 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 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 22 ] 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 2022 | 0.08813109599337998 | -0.05610282302922067 | 0.07971639922394488 | 0.0985072258126921 | 0.06574781130116394 | 0.07758728737959601 | 0.07707924776343568 | 0.078424324312613 | 0.078424324312613 | 0.08388275580315163 | 0.08388275580315163 | 0.07717527162035406 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 mars 2022 | 0.7469014560282239 | 0.8172947588948617 | 0.8162338246630101 | 0.8058356782141815 | 0.8196373617615267 | 0.8509749691821498 | 0.8148953647192523 | 0.6820667120048294 | 0.6820667120048294 | 0.7538609271205152 | 0.7538609271205152 | 0.8116579485690781 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 mars 2022 | 0.2111665428298482 | 0.8566284546641875 | 0.1685051785572723 | 0.005062584551945037 | 0.03850415445078194 | 0.0020334703426735747 | 0.07927722689182627 | 0.049462341479011226 | 0.049462341479011226 | 0 | 0 | 0.07821643026021917 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 mars 2022 | 0.6101198963200616 | 0.8868347282651149 | 0.4864143772884634 | 3.5374082066727732 | 1.3091563751028727 | 7.769483162232821 | 0.7787361386591076 | 0.7641048129005024 | 0.7641048129005024 | 0 | 0 | 0.7784233070167529 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 mars 2022 | 0.23298969567651392 | -0.4215385944478241 | 0.41231153138547294 | -0.03948923038561661 | -0.05060206003365272 | -0.04006211592461645 | 0.0598448617399591 | 0.0675521262380453 | 0.0675521262380453 | 0 | 0 | 0.05933391971191285 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 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2022 (janv. - mars 2022) | 0.01616460834466482 | -0.00337187055575921 | 0.013476867016298555 | 0.03369773639519513 | 0.010347570271476382 | 0.02087308769862451 | 0.017284592743121652 | 0.009987018959129712 | 0.009987018959129712 | -0.002152467589525793 | -0.002152467589525793 | 0.01694092911458873 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 CUMUL 2022 (octobre 2021 - mars 2022) | 0.0163798123279165 | -0.009854609115666324 | 0.008005064800092478 | 0.03259002788501548 | 0.010023540746351303 | 0.01699114849890916 | 0.015257808897298263 | 0.010766397853991453 | 0.010766397853991453 | 0.0005963459409795015 | 0.0005963459409795015 | 0.015010581988141144 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 ROE (rendement de l'avoir des actionn.) TRIM 2 2022 (janv. - mars 2022) | 0.1879498749021253 | -0.05207899929455463 | 0.16205963423485942 | 0.3251212270075694 | 0.1462827642456745 | 0.2734475711121911 | 0.22127922354785823 | 0.11820023094343796 | 0.11820023094343796 | -0.02513903616248677 | -0.02513903616248677 | 0.21631820106236196 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 CUMUL 2022 (octobre 2021 - mars 2022) | 0.19014232880893908 | 0.1568587133988878 | 0.0978758012702258 | 0.32281683512969145 | 0.14619444466520565 | 0.22481981389435535 | 0.19830319108713262 | 0.13171349123933263 | 0.13171349123933263 | 0.007307349767158932 | 0.007307349767158932 | 0.19472432438206577 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2022 (janv. - mars 2022) | 0.894104148254797 | 0.8140863005258641 | 0.7521874197728488 | 0.7910417090497356 | 0.8513628043831508 | 0.8228894595655942 | 0.8377755890021429 | 0.713981341651645 | 0.713981341651645 | 0.8767191383595692 | 0.8767191383595692 | 0.8341300032822191 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 CUMUL 2022 (octobre 2021 - mars 2022) | 0.8913910650721537 | 0.8024053391509818 | 0.7397658551457373 | 0.7916902938987098 | 0.8472940697372164 | 0.8213365786880824 | 0.8345586061916366 | 0.6923597011064909 | 0.6923597011064909 | 0.9082855321861057 | 0.9082855321861057 | 0.8307085322767712 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 Rendement moyen des prêts TRIM 2 2022 (janv. - mars 2022) | 0.08299545865700374 | 0.020488325721886975 | 0.1126388716953756 | 0.1521980832473955 | 0.10208362829775754 | 0.08129511629964044 | 0.09683860650143425 | 0.10268250668680891 | 0.10268250668680891 | 0.24351640166758046 | 0.24351640166758046 | 0.09714005892755892 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 CUMUL 2022 (octobre 2021 - mars 2022) | 0.08504871864354034 | 0.019731938357714047 | 0.11632177709121679 | 0.1521582069961706 | 0.10280460941199457 | 0.07946074003223277 | 0.09710999323754321 | 0.0941022879944949 | 0.0941022879944949 | 0.22431215829115161 | 0.22431215829115161 | 0.09712620089769183 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 Rendement moyen des prêts productifs TRIM 2 2022 (janv. - mars 2022) | 0.1046072008028485 | 0.14027096031563313 | 0.12793446317812998 | 0.15299606513244987 | 0.10539222286486251 | 0.0814296807005268 | 0.10433179588809378 | 0.10778807671491467 | 0.10778807671491467 | 0.24351640166758046 | 0.24351640166758046 | 0.10455576890913623 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 CUMUL 2022 (octobre 2021 - mars 2022) | 0.10504550216369297 | 0.13361400563109843 | 0.13163156590764438 | 0.15287271091101975 | 0.1060505826706715 | 0.07974209156610382 | 0.10422629517610006 | 0.09856607783125057 | 0.09856607783125057 | 0.22431215829115161 | 0.22431215829115161 | 0.1041463505976893 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 Rémunération moyenne des dépôts TRIM 2 2022 (janv. - mars 2022) | 0.006002193145708482 | 0.00947124874203056 | 0.014458730714239306 | 0.012459695888569006 | 0.006404058827119816 | 0.004907350022829359 | 0.006868248476217768 | 0.022402319335235593 | 0.022402319335235593 | 0.0007149525503097407 | 0.0007149525503097407 | 0.007062100188389793 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 CUMUL 2022 (octobre 2021 - mars 2022) | 0.006309793519201546 | 0.00961002734772496 | 0.014947392918664832 | 0.012467324912050118 | 0.006517503607369406 | 0.004865563002892743 | 0.006982341655752275 | 0.02269622381083614 | 0.02269622381083614 | 0.0006551992381658337 | 0.0006551992381658337 | 0.007170701316965 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2022 (janv. - mars 2022) | 0.6305493155254529 | 0.9108332208295561 | 0.8247692747755057 | 0.5767873400370306 | 0.5964882490640168 | 0.6101725667136788 | 0.6257826737711913 | 0.62808729117425 | 0.62808729117425 | 1.063903154805576 | 1.063903154805576 | 0.6297648437298237 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 CUMUL 2022 (octobre 2021 - mars 2022) | 0.5897441281593103 | 1.0775644973885332 | 0.7764335537870933 | 0.5664059519472466 | 0.5797589855928179 | 0.6422722408682617 | 0.6197455790114829 | 0.6846174986261016 | 0.6846174986261016 | 0.983825965267727 | 0.983825965267727 | 0.6245326995091792 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 Productivité par employé ('000) TRIM 2 2022 (janv. - mars 2022) | 6953.51707648294 | 1611.9504366153847 | 5186.774048443802 | 4860.509633312617 | 6577.5297329596615 | 7454.134091793908 | 6313.9249929549715 | 5955.5448052287575 | 5955.5448052287575 | 11126.530612244898 | 11126.530612244898 | 6332.866437918141 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 CUMUL 2022 (octobre 2021 - mars 2022) | 7515.660199870299 | 1395.9192795522385 | 5107.377263178256 | 4606.529702970297 | 6233.038139864751 | 6857.020772905662 | 6088.771213145133 | 5441.96027763158 | 5441.96027763158 | 12978.083333333334 | 12978.083333333334 | 6113.017010262304 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 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. 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 | 0.08385763903025426 | -0.07169912346691097 | 0.08173702967987483 | 0.10145767053468073 | 0.07495253238431127 | 0.07696545641513045 | 0.07867891255673413 | 0.08333217670328669 | 0.08333217670328669 | 0.07513263547909292 | 0.07513263547909292 | 0.07872510371268764 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 juin 2021 | 0.733417729685035 | 0.8287333792379387 | 0.8097286030546953 | 0.7932708684865774 | 0.8088953209812653 | 0.8675694140088377 | 0.8120649381213698 | 0.6518576240943386 | 0.6518576240943386 | 0.79655945746365 | 0.79655945746365 | 0.8086340219002265 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 juin 2021 | 0.16466045645604196 | 0.7907045560591718 | 0.02335429161272918 | 0.010570565513785244 | 0.034024196624409864 | 0.006829286341240245 | 0.05963963974101331 | 0.05597967020642519 | 0.05597967020642519 | 0 | 0 | 0.05932885367093607 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 juin 2021 | 0.674006422714821 | 0.9936389199097487 | 2.3173893432374935 | 1.861731810268762 | 1.4331411956566034 | 3.8274468234960537 | 1.0278756065505337 | 0.666033514417232 | 0.666033514417232 | 0 | 0 | 1.0155081133118373 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 juin 2021 | 0.1822467345746914 | -0.017656264458041 | -0.14034302927476822 | -0.028838518396343743 | -0.05974749878597162 | -0.05408616084723422 | -0.005813351705198291 | 0.1117824100028346 | 0.1117824100028346 | 0 | 0 | -0.003234542758974928 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 3 2021 (avril - juin 2021) | 0.01854313454212857 | -0.01300475364812358 | 0.006412908238969311 | 0.03367184546570979 | 0.015529647146222365 | 0.02603528974661471 | 0.02020369372665318 | 0.011349995326862643 | 0.011349995326862643 | 0.014202235996729092 | 0.014202235996729092 | 0.019950871816362393 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) | 0.014645645597504612 | -0.01532424078660198 | 0.008927426923273876 | 0.032404400585040107 | 0.015835200562598635 | 0.02545916754638093 | 0.019232714996362657 | 0.009785462708572843 | 0.009785462708572843 | 0.011239049168265042 | 0.011239049168265042 | 0.018943474888722982 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) | 0.20816522668438317 | -0.1814712405043372 | 0.07724979698137946 | 0.32892527328689025 | 0.2080623559405835 | 0.3225716393846873 | 0.2490287971486955 | 0.13331256542834347 | 0.13331256542834347 | 0.16899227209281942 | 0.16899227209281942 | 0.24555892029586734 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) | 0.1639159317846849 | -0.21410922794418405 | 0.09867217757864845 | 0.2856623180626953 | 0.20200953547221426 | 0.3047638584334084 | 0.22743437694845103 | 0.10131441831435078 | 0.10131441831435078 | 0.12644146638573442 | 0.12644146638573442 | 0.22322979988275546 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) | 0.9145257247864683 | 0.7546998175593943 | 0.7430818906155263 | 0.7959235703587021 | 0.8380277127606562 | 0.8171584027298451 | 0.8364701649507802 | 0.7097164313035347 | 0.7097164313035347 | 0.9609944821462548 | 0.9609944821462548 | 0.8328710202747445 TRIM 3 2020 (avril -juin 2020) | 0.8351782500007618 | 0.518090933498567 | 0.74331940957252 | 0.7225226518262673 | 0.7795262875158522 | 0.788448390358405 | 0.7831756341144467 | 0.6760963578924487 | 0.74331940957252 | 0.9572654334744818 | 0.9572654334744818 | 0.7804278155253289 CUMUL 2021 (octobre 2020 - juin 2021) | 0.8810536422643965 | 0.7027812217798918 | 0.7636576210458883 | 0.7833154087639418 | 0.8371314256874209 | 0.8144275785565329 | 0.8278944679182533 | 0.6961276427589153 | 0.6961276427589153 | 0.9692229625380576 | 0.9692229625380576 | 0.8243531397078621 CUMUL 2020 (octobre 2019 - juin 2020) | 0.8377502250103177 | 0.6436422290492873 | 0.7487135368000568 | 0.7059931035028536 | 0.7587754950084974 | 0.7438504456153846 | 0.7680001038900113 | 0.6989501923651662 | 0.6989501923651662 | 0.9686329086821539 | 0.9686329086821539 | 0.7667032956445794 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 [bilsysbansept.22] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 septembre 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5858323 | 710912.24825 | 1701609.806068133 | 1251444 | 5143265.169060001 | 5338239.978026357 | 20003794.20140449 | 92091.78353 | 92091.78353 | 13974 | 13974 | 20109859.98493449 Avoirs à la BRH | 38481853 | 1503736.9869900001 | 17137285.29468015 | 17660925 | 57854305.92229 | 90664109.2049995 | 223302215.40895966 | 1970852.73521 | 1970852.73521 | 3961652 | 3961652 | 229234720.14416966 Avoirs à l'étranger | 4960805 | 0 | 1650192.737171616 | 4956047 | 6562049.10529 | 16945933.926280208 | 35075027.768741824 | 0 | 0 | 1163657 | 1163657 | 36238684.768741824 Avoirs dans les banques locales | 0 | 0 | 465138.992936558 | 38959 | 12036.435 | 6.375926050532144e-09 | 516134.4279365644 | 266295.70171 | 266295.70171 | 0 | 0 | 782430.1296465644 Autres liquidités | 544868 | 55865.324029999996 | 103935.079844659 | 220158 | 435019.67348 | 1004094.24451486 | 2363940.3218695186 | 27133.451950000002 | 27133.451950000002 | 125433 | 125433 | 2516506.7738195187 49845849 | 2270514.55927 | 21058161.910701115 | 24127533 | 70006676.30512 | 113952377.35382092 | 281261112.12891203 | 2356373.6724 | 2356373.6724 | 5264716 | 5264716 | 288882201.801312 Bons B.R.H. | 800000 | 0 | 0 | 0 | 0 | 0 | 800000 | 0 | 0 | 0 | 0 | 800000 Bons du Trésor / M.E.F. | 25800000 | 1715000 | 0 | 0 | 6250000 | 6200000 | 39965000 | 0 | 0 | 0 | 0 | 39965000 Autres Placements | 14979450 | 0 | 6900648.021722754 | 4676919 | 29115320.248230003 | 40211051.13067739 | 95883388.40063015 | 2327832.95751 | 2327832.95751 | 0 | 0 | 98211221.35814014 Portefeuille net | 22033575 | 310180.8351391199 | 15318865.81299061 | 14510277 | 39968237.37019 | 52219581.492960006 | 144360717.51127973 | 5056875.055269999 | 5056875.055269999 | 96667 | 96667 | 149514259.56654972 Immobilisations | 2971280.00213 | 246446.29027 | 1154136.67362 | 1380496 | 4075512.3594299997 | 3322659.201209999 | 13150530.526659999 | 553756.39289 | 553756.39289 | 264863 | 264863 | 13969149.91955 Autres actifs | 3844501 | 1112767.26003 | 979812.3044671239 | 1081061 | 7558847.611119999 | 2801038.017682816 | 17378027.193299938 | 1454462.0851399999 | 1454462.0851399999 | 27926 | 27926 | 18860415.27843994 120274655.00213 | 5654908.94470912 | 45411624.72350161 | 45776286 | 156974593.89408997 | 218706707.19635114 | 592798775.7607818 | 11749300.163209999 | 11749300.163209999 | 5654172 | 5654172 | 610202247.9239919 PASSIF Dépôts À vue | 45584746 | 2102300.52228 | 16541826.220772717 | 17638295 | 61530595.04608671 | 84937062.30569333 | 228334825.09483278 | 3706701.504433726 | 3706701.504433726 | 3348164 | 3348164 | 235389690.5992665 Épargne | 34124905 | 585333.72123 | 8106410.270673083 | 9428820 | 43121159.669180505 | 74716884.21933973 | 170083512.8804233 | 1182869.097142448 | 1182869.097142448 | 735458 | 735458 | 172001839.97756577 À terme | 12384406 | 2003049.48586 | 13129982.491190754 | 9961137 | 24680540.660824187 | 27493980.195673734 | 89653095.83354867 | 3132248.0564090954 | 3132248.0564090954 | 4424 | 4424 | 92789767.88995776 92094057 | 4690683.72937 | 37778218.982636556 | 37028252 | 129332295.37609139 | 187147926.7207068 | 488071433.80880475 | 8021818.657985269 | 8021818.657985269 | 4088046 | 4088046 | 500181298.4667901 Obligations à vue Banques locales | 0 | 0 | 700000 | 300000 | 0 | 0 | 1000000 | 0 | 0 | 0 | 0 | 1000000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4414910 | 337289.07562 | 1298361.4658313468 | 1722112 | 8234576.19353 | 6191811.12495716 | 22199059.859938506 | 287769.78061 | 287769.78061 | 1012249 | 1012249 | 23499078.640548505 4414910 | 337289.07562 | 1998361.4658313468 | 2022112 | 8234576.19353 | 6191811.12495716 | 23199059.859938506 | 287769.78061 | 287769.78061 | 1012249 | 1012249 | 24499078.640548505 Obligations à terme Banques locales | 6112028 | 0 | 1414978.35488 | 502238 | 4602136.24881 | 4470933.526389999 | 17102314.13008 | 1742664.8847400001 | 1742664.8847400001 | 0 | 0 | 18844979.01482 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.49436 | 0 | 0.49436 | 0 | 0 | 0 | 0 | 0.49436 Autres | 6491592 | 953706.70854 | 577271.5310901105 | 79615 | 1168126.89243 | 2257564.6161708888 | 11527876.748231 | 348392.19339000003 | 348392.19339000003 | 82705 | 82705 | 11958973.941621 12603620 | 953706.70854 | 1992249.8859701105 | 581853 | 5770263.6356 | 6728498.142560888 | 28630191.372671 | 2091057.0781300003 | 2091057.0781300003 | 82705 | 82705 | 30803953.450801 Autres passifs | 1319464 | 24218.928310000003 | 240456.452823575 | 1462384 | 3960577.67603 | 2172099.241515755 | 9179200.298679331 | 396520.58557 | 396520.58557 | 0 | 0 | 9575720.884249331 110432051 | 6005898.44184 | 42009286.78726158 | 41094601 | 147297712.8812514 | 202240335.22974062 | 549079885.3400936 | 10797166.102295268 | 10797166.102295268 | 5183000 | 5183000 | 565060051.4423889 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728180.76157 | 2025000 | 3000000 | 6300687.5 | 15218868.26157 | 300000 | 300000 | 103837 | 103837 | 15622705.26157 Réserves | 2148479 | 238291.42462 | 385030.98121999996 | 442384 | 2131701.77986 | 2563395.56731 | 7909282.75301 | 291655.27446 | 291655.27446 | 59288 | 59288 | 8260226.02747 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 1198668.70404 | 1384 | 0 | 0 | 1304377.70404 | 0 | 0 | 0 | 0 | 1304377.70404 BNR | 4694125 | -858605.92175 | 1090457.486888 | 2212917 | 4545179.232969996 | 7602288.901760001 | 19286361.699867997 | 360478.78646999993 | 360478.78646999993 | 308047 | 308047 | 19954887.486337997 9842604 | -350989.49713 | 3402337.9337179996 | 4681685 | 9676881.012829997 | 16466371.96907 | 43718890.418487996 | 952134.0609299999 | 952134.0609299999 | 471172 | 471172 | 45142196.479417995 120274655 | 5654908.94471 | 45411624.720979586 | 45776286 | 156974593.89408138 | 218706707.1988106 | 592798775.7585816 | 11749300.163225269 | 11749300.163225269 | 5654172 | 5654172 | 610202247.9218069 Hors-bilan Effets à l'encaissement | 1464704 | 0 | 0 | 0 | 68846.26846022 | 3750.073000181 | 1537300.341460401 | 0 | 0 | 0 | 0 | 1537300.341460401 Crédit documentaire | 0 | 0 | 0 | 0 | 2379243.015726165 | 1809400.1296932271 | 4188643.145419392 | 0 | 0 | 0 | 0 | 4188643.145419392 Autres | 4662878 | 224784.359406334 | 2620854.426157199 | 323187 | 10341156.048350725 | 2151870.224273834 | 20324730.058188092 | 131146564.07841 | 131146564.07841 | 15890.1345 | 15890.1345 | 151487184.27109808 Portefeuille brut | 25652901 | 1348228.0550891198 | 16045910.847193018 | 14839783 | 42803425.86067 | 52948683.249010004 | 153638932.01196215 | 5279058.54194 | 5279058.54194 | 96667 | 96667 | 159014657.55390215 Provisions pour créances douteuses | 3619326 | 1038047.2199499999 | 727045.034202408 | 329506 | 2835188.49048 | 729101.75605 | 9278214.500682408 | 222183.48667 | 222183.48667 | 0 | 0 | 9500397.987352408 Portefeuille de crédit improductif | 5287779 | 1191556.143567012 | 1830542.874650748 | 101957 | 1746231 | 79515.88659000001 | 10237581.90480776 | 376091.39764 | 376091.39764 | 0 | 0 | 10613673.302447759 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 | 0.30187946219618306 | -0.7021471932498335 | 0.339218706696423 | 0.2948716113963242 | 0.42115970569716854 | 0.20178453441056687 | 0.3007974447837051 | 0.581594982905156 | 0.581594982905156 | 0.5621365446164034 | 0.5621365446164034 | 0.3094477231722443 Liquidité en % de l'actif | 0.6355939994061607 | 0.7047884587070056 | 0.46371743003951604 | 0.5270749356992396 | 0.48578992570332774 | 0.5493767378882906 | 0.5432300559589256 | 0.20055438533934097 | 0.20055438533934097 | 0.9311205955531597 | 0.9311205955531597 | 0.5402261347329117 Liquidité en % des dépôts | 0.8300844972005088 | 0.8496660165585902 | 0.5574154229022752 | 0.6515979474267378 | 0.5896182085330635 | 0.6420182123264034 | 0.6597929930376981 | 0.29374556729157203 | 0.29374556729157203 | 1.2878318883887314 | 1.2878318883887314 | 0.6590554321238766 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 113952377.35382092 | BNC | 800000 | UNIBK | 52219581.492960006 | UNIBK | 16466371.96907 SOGEBK | 70006676.30512 | SOGEBK | 0 | SOGEBK | 39968237.37019 | BNC | 9842604 BNC | 49845849 | CAPITALBK | 0 | BNC | 22033575 | SOGEBK | 9676881.012829997 CAPITALBK | 24127533 | UNIBK | 0 | BUH | 15318865.81299061 | CAPITALBK | 4681685 BUH | 21058161.910701115 | BPH | 0 | CAPITALBK | 14510277 | BUH | 3402337.9337179996 CBNA | 5264716 | BUH | 0 | SOGEBL | 5056875.055269999 | SOGEBL | 952134.0609299999 SOGEBL | 2356373.6724 | CBNA | 0 | BPH | 310180.8351391199 | CBNA | 471172 BPH | 2270514.55927 | SOGEBL | 0 | CBNA | 96667 | BPH | -350989.49713 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 22$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 30 septembre 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4324942 | 137330.1037 | 674864.533838133 | 574839 | 2506697.4888100005 | 1938850.3345263572 | 10157523.46087449 | 47247.45638 | 47247.45638 | 5173 | 5173 | 10209943.91725449 Avoirs à la BRH | 16813363 | 941357.43102 | 12990275.940660149 | 12062158 | 36884256.65332 | 65469742.13059951 | 145161153.15559965 | 1441163.44401 | 1441163.44401 | 2485209 | 2485209 | 149087525.59960964 Avoirs à l'étranger | 4960805 | 0 | 1650192.737171616 | 4956047 | 6562049.10529 | 16945933.926280208 | 35075027.768741824 | 0 | 0 | 1163657 | 1163657 | 36238684.768741824 Avoirs dans les banques locales | 0 | 0 | 219643.695846558 | 925 | 0 | 0 | 220568.695846558 | 103095.03791 | 103095.03791 | 0 | 0 | 323663.733756558 Autres liquidités | 132838 | 44333.30811 | 18893.248684659 | 83641 | 201958.34102 | 533886.6025848599 | 1015550.500399519 | 14171.20684 | 14171.20684 | 18565 | 18565 | 1048286.707239519 26231948 | 1123020.8428300002 | 15553870.156201115 | 17677610 | 46154961.58844001 | 84888412.99399094 | 191629823.58146206 | 1605677.1451400002 | 1605677.1451400002 | 3672604 | 3672604 | 196908104.72660202 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 | 14884357 | 0 | 5533478.504832754 | 2786625 | 25333693.13749 | 27749695.62293739 | 76287849.26526013 | 1691176.38044 | 1691176.38044 | 0 | 0 | 77979025.64570013 Portefeuille net | 4618612 | 612595.5671391201 | 6506071.565680605 | 8428803 | 20251078.655899998 | 32583203.242650002 | 73000364.03136973 | 2541323.01723 | 2541323.01723 | 0 | 0 | 75541687.04859973 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 1632967 | 1064915.56341 | -18444.945616722103 | 319339 | 3749304.76391 | 765547.282092816 | 7513628.663796094 | 1056214.29246 | 1056214.29246 | 244 | 244 | 8570086.956256093 47367884 | 2800531.97337912 | 27574975.28109775 | 29212377 | 95489038.14574 | 145986859.14167115 | 348431665.541888 | 6894390.835270001 | 6894390.835270001 | 3672848 | 3672848 | 358998904.377158 PASSIF Dépôts À vue | 21445290 | 1190497.11495 | 10884759.255002715 | 11970887 | 39363457.893046714 | 63996058.071853325 | 148850949.33485276 | 3061375.725333726 | 3061375.725333726 | 2051942 | 2051942 | 153964267.06018648 Épargne | 15486304 | 267250.13506999996 | 5247389.000393082 | 6724675 | 29769551.570240505 | 53755521.133949734 | 111250690.83965331 | 870216.252482448 | 870216.252482448 | 735454 | 735454 | 112856361.09213576 À terme | 6410528 | 1287189.5026099999 | 10363048.299660753 | 8446262 | 19405507.983194187 | 21370432.518283732 | 67282968.30374867 | 2424867.9351790952 | 2424867.9351790952 | 0 | 0 | 69707836.23892777 43342122 | 2744936.75263 | 26495196.55505655 | 27141824 | 88538517.4464814 | 139122011.7240868 | 327384608.47825474 | 6356459.9129952695 | 6356459.9129952695 | 2787396 | 2787396 | 336528464.39125 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 | 886670 | 53210.05985 | 559823.446471347 | 963411 | 4248669.96488 | 3377257.3597171586 | 10089041.830918506 | 121438.33314999999 | 121438.33314999999 | 798860 | 798860 | 11009340.164068505 886670 | 53210.05985 | 559823.446471347 | 963411 | 4248669.96488 | 3377257.3597171586 | 10089041.830918506 | 121438.33314999999 | 121438.33314999999 | 798860 | 798860 | 11009340.164068505 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 | 0.49436 | 0 | 0.49436 | 0 | 0 | 0 | 0 | 0.49436 Autres | 3142479 | 8224.02739 | 508147.8566501106 | 0 | 678050.24102 | 1362876.222440889 | 5699777.347500999 | 278960.139 | 278960.139 | 86531 | 86531 | 6065268.486501 3142479 | 8224.02739 | 508147.8566501106 | 0 | 678050.73538 | 1362876.222440889 | 5699777.841860999 | 278960.139 | 278960.139 | 86531 | 86531 | 6065268.980861 Autres passifs | 0 | 3177.81856 | 165207.406082769 | 1112595 | 2037109.1661399999 | 2070401.199225755 | 5388490.590008523 | 134299.03019999998 | 134299.03019999998 | 0 | 0 | 5522789.620208523 47371271 | 2809548.65843 | 27728375.264260776 | 29217830 | 95502347.31288141 | 145932546.5054706 | 348561918.74104273 | 6891157.41534527 | 6891157.41534527 | 3672787 | 3672787 | 359125863.15638804 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 47371271 | 2809548.65843 | 27728375.264260776 | 29217830 | 95502347.31288141 | 145932546.5054706 | 348561918.74104273 | 6891157.41534527 | 6891157.41534527 | 3672787 | 3672787 | 359125863.15638804 Actif devises en % actif total | 0.39383096961833847 | 0.4952390923994224 | 0.6072228300351262 | 0.6381552448357213 | 0.6083088720087151 | 0.6675006039508731 | 0.5877739290111055 | 0.5867916164792576 | 0.5867916164792576 | 0.6495819370192488 | 0.6495819370192488 | 0.5883277316636101 Dépôts devises en % dépôts totaux | 0.4706288702212348 | 0.5851890494008363 | 0.7013352473612943 | 0.7330031134064876 | 0.6845816598941211 | 0.7433799249708374 | 0.6707719112413842 | 0.7923963609757958 | 0.7923963609757958 | 0.6818406642195318 | 0.6818406642195318 | 0.6728129688631173 93.0256 | 509228.3306960665 | 30201.886990570336 | 298072.52266323223 | 314083.7575893088 | 1026624.3626795356 | 1568735.3428031704 | 3746946.2034218833 | 74078.07544746037 | 74078.07544746037 | 39481.46531707401 | 39481.46531707401 | 3860505.744186418 [bilsysbansept. 22 gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 30 septembre 2022 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1533381 | 573582.14455 | 1026745.27223 | 676605 | 2636567.68025 | 3399389.6435 | 9846270.74053 | 44844.32715 | 44844.32715 | 8801 | 8801 | 9899916.06768 Avoirs à la BRH | 21668490 | 562379.55597 | 4147009.35402 | 5598767 | 20970049.26897 | 25194367.0744 | 78141062.25336 | 529689.2912 | 529689.2912 | 1476443 | 1476443 | 80147194.54456 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 245495.29709 | 38034 | 12036.435 | 1.2207310646772385e-09 | 295565.7320900012 | 163200.6638 | 163200.6638 | 0 | 0 | 458766.3958900012 Autres liquidités | 412030 | 11532.01592 | 85041.83116 | 136517 | 233061.33246 | 470207.64193 | 1348389.8214699998 | 12962.24511 | 12962.24511 | 106868 | 106868 | 1468220.0665799999 23613901 | 1147493.7164399999 | 5504291.7545 | 6449923 | 23851714.71668 | 29063964.35983 | 89631288.54745 | 750696.52726 | 750696.52726 | 1592112 | 1592112 | 91974097.07471 Bons B.R.H. | 800000 | 0 | 0 | 0 | 0 | 0 | 800000 | 0 | 0 | 0 | 0 | 800000 Bons du Trésor / M.E.F. | 25800000 | 1715000 | 0 | 0 | 6250000 | 6200000 | 39965000 | 0 | 0 | 0 | 0 | 39965000 Autres Placements | 95093 | 0 | 1367169.51689 | 1890294 | 3781627.1107400004 | 12461355.50774 | 19595539.13537 | 636656.57707 | 636656.57707 | 0 | 0 | 20232195.712440003 Portefeuille net | 17414963 | -302414.7320000001 | 8812794.247310005 | 6081474 | 19717158.714290004 | 19636378.250310004 | 71360353.47991002 | 2515552.03804 | 2515552.03804 | 96667 | 96667 | 73972572.51795001 Immobilisations | 2971280.00213 | 246446.29027 | 1154136.67362 | 1380496 | 4075512.3594299997 | 3322659.201209999 | 13150530.526659999 | 553756.39289 | 553756.39289 | 264863 | 264863 | 13969149.91955 Autres actifs | 2211534 | 47851.696619999995 | 998257.2500838459 | 761722 | 3809542.8472099993 | 2035490.7355900002 | 9864398.529503845 | 398247.79268 | 398247.79268 | 27682 | 27682 | 10290328.322183846 72906771.00213 | 2854376.9713299996 | 17836649.44240385 | 16563909 | 61485555.74835 | 72719848.05467999 | 244367110.2188939 | 4854909.32794 | 4854909.32794 | 1981324 | 1981324 | 251203343.54683387 PASSIF Dépôts À vue | 24139456 | 911803.4073300001 | 5657066.9657700015 | 5667408 | 22167137.153040003 | 20941004.233840004 | 79483875.75998001 | 645325.7790999999 | 645325.7790999999 | 1296222 | 1296222 | 81425423.53908001 Épargne | 18638601 | 318083.58616 | 2859021.2702800003 | 2704145 | 13351608.098940002 | 20961363.085389998 | 58832822.040769994 | 312652.84465999994 | 312652.84465999994 | 4 | 4 | 59145478.88542999 À terme | 5973878 | 715859.98325 | 2766934.1915300004 | 1514875 | 5275032.677630002 | 6123547.677390001 | 22370127.5298 | 707380.1212300002 | 707380.1212300002 | 4424 | 4424 | 23081931.65103 48751935 | 1945746.97674 | 11283022.427580003 | 9886428 | 40793777.92961001 | 48025914.99662001 | 160686825.33055001 | 1665358.74499 | 1665358.74499 | 1300650 | 1300650 | 163652834.07554 Obligations à vue Banques locales | 0 | 0 | 700000 | 300000 | 0 | 0 | 1000000 | 0 | 0 | 0 | 0 | 1000000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3528240 | 284079.01577 | 738538.01936 | 758701 | 3985906.2286500004 | 2814553.76524 | 12110018.02902 | 166331.44745999997 | 166331.44745999997 | 213389 | 213389 | 12489738.47648 3528240 | 284079.01577 | 1438538.01936 | 1058701 | 3985906.2286500004 | 2814553.76524 | 13110018.02902 | 166331.44745999997 | 166331.44745999997 | 213389 | 213389 | 13489738.47648 Obligations à terme Banques locales | 6112028 | 0 | 1414978.35488 | 502238 | 4602136.24881 | 4470933.526389999 | 17102314.13008 | 1742664.8847400001 | 1742664.8847400001 | 0 | 0 | 18844979.01482 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3349113 | 945482.6811500001 | 69123.67443999999 | 79615 | 490076.6514100001 | 894688.39373 | 5828099.400730001 | 69432.05439 | 69432.05439 | -3826 | -3826 | 5893705.455120001 9461141 | 945482.6811500001 | 1484102.02932 | 581853 | 5092212.90022 | 5365621.920119999 | 22930413.53081 | 1812096.93913 | 1812096.93913 | -3826 | -3826 | 24738684.46994 Autres passifs | 1319464 | 21041.109750000003 | 75249.046740806 | 349789 | 1923468.5098899999 | 101698.04229000001 | 3790709.708670806 | 262221.55537 | 262221.55537 | 0 | 0 | 4052931.2640408063 63060780 | 3196349.78341 | 14280911.523000808 | 11876771 | 51795365.56837001 | 56307788.72427001 | 200517966.59905082 | 3906008.68695 | 3906008.68695 | 1510213 | 1510213 | 205934188.28600082 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728180.76157 | 2025000 | 3000000 | 6300687.5 | 15218868.26157 | 300000 | 300000 | 103837 | 103837 | 15622705.26157 Réserves | 2148479 | 238291.42462 | 385030.98121999996 | 442384 | 2131701.77986 | 2563395.56731 | 7909282.75301 | 291655.27446 | 291655.27446 | 59288 | 59288 | 8260226.02747 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 1198668.70404 | 1384 | 0 | 0 | 1304377.70404 | 0 | 0 | 0 | 0 | 1304377.70404 BNR | 4694125 | -858605.92175 | 1090457.486888 | 2212917 | 4545179.232969996 | 7602288.901760001 | 19286361.699867997 | 360478.78646999993 | 360478.78646999993 | 308047 | 308047 | 19954887.486337997 9842604 | -350989.49713 | 3402337.9337179996 | 4681685 | 9676881.012829997 | 16466371.96907 | 43718890.418487996 | 952134.0609299999 | 952134.0609299999 | 471172 | 471172 | 45142196.479417995 72903384 | 2845360.28628 | 17683249.45671881 | 16558456 | 61472246.5812 | 72774160.69334 | 244236857.01753882 | 4858142.74788 | 4858142.74788 | 1981385 | 1981385 | 251076384.76541883 120274655 | 5654908.9447099995 | 45411624.720979586 | 45776286 | 156974593.8940814 | 218706707.1988106 | 592798775.7585815 | 11749300.16322527 | 11749300.16322527 | 5654172 | 5654172 | 610202247.9218068 [bilsysbanjuin22] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 juin 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5641672 | 356624.46559 | 1033836.0637963901 | 1873920 | 4222818.58743 | 6624988.45565023 | 19753859.57246662 | 71514.96538000001 | 71514.96538000001 | 35147 | 35147 | 19860521.53784662 Avoirs à la BRH | 35466900 | 1452335.5067 | 17514949.43646825 | 18212776 | 58492253.10661 | 82834751.44644782 | 213973965.49622607 | 1802985.5336499999 | 1802985.5336499999 | 4843627 | 4843627 | 220620578.02987608 Avoirs à l'étranger | 4119494 | 0 | 1250718.214445145 | 3983769 | 6331113.919128071 | 20963637.859084383 | 36648732.9926576 | 0 | 0 | 738369 | 738369 | 37387101.9926576 Avoirs dans les banques locales | 0 | 0 | 349448.71380222 | 22982 | 3686.435 | -2.886717426008545e-09 | 376117.1488022171 | 355106.83515000006 | 355106.83515000006 | 0 | 0 | 731223.9839522172 Autres liquidités | 358176 | 32999.16894 | 4248.6788989 | 232961 | 201532.44342 | 1389783.85524415 | 2219701.14650305 | 29760.20454 | 29760.20454 | 90327 | 90327 | 2339788.3510430497 45586242 | 1841959.14123 | 20153201.107410904 | 24326408 | 69251404.49158807 | 111813161.61642657 | 272972376.35665554 | 2259367.5387199996 | 2259367.5387199996 | 5707470 | 5707470 | 280939213.8953756 Bons B.R.H. | 1600000 | 0 | 0 | 0 | 500000 | 0 | 2100000 | 0 | 0 | 0 | 0 | 2100000 Bons du Trésor / M.E.F. | 22600000 | 1795000 | 0 | 0 | 6750000 | 6700000 | 37845000 | 0 | 0 | 0 | 0 | 37845000 Autres Placements | 15029515 | 0 | 6407761.6220521405 | 5576895 | 28987613.60339 | 36197024.092172064 | 92198809.3176142 | 2354042.47768 | 2354042.47768 | 0 | 0 | 94552851.7952942 Portefeuille net | 23245872 | 367082.99480706966 | 15345839.19499831 | 13994359 | 38657267.44738 | 45328954.27658 | 136939374.91376537 | 4947470.94898 | 4947470.94898 | 96667 | 96667 | 141983512.86274537 Immobilisations | 2971370.00213 | 247698.77208 | 1027037.47866 | 1276191 | 4085178.5917800004 | 3238997.2068 | 12846473.05145 | 623563.6841399999 | 623563.6841399999 | 265982 | 265982 | 13736018.73559 Autres actifs | 2667255 | 1138882.0498600001 | 868311.5195585999 | 1055112 | 6403226.426000001 | 2800677.3794123256 | 14933464.374830926 | 1386657.7611099998 | 1386657.7611099998 | 18864 | 18864 | 16338986.135940926 113700254.00213 | 5390622.95797707 | 43802150.92267996 | 46228965 | 154634690.56013808 | 206078814.571391 | 569835498.0143161 | 11571102.41063 | 11571102.41063 | 6088983 | 6088983 | 587495583.4249461 PASSIF Dépôts À vue | 41576899 | 1895280.46158 | 14497816.57322244 | 17883462 | 61312424.112319365 | 78807720.0229733 | 215973602.1700951 | 3698681.7597743655 | 3698681.7597743655 | 3891116 | 3891116 | 223563399.92986944 Épargne | 32705222 | 554966.24023 | 8350309.23866706 | 9062473 | 41938431.79575767 | 72946346.28077942 | 165557748.55543417 | 1145359.8438112452 | 1145359.8438112452 | 716787 | 716787 | 167419895.3992454 À terme | 11896413 | 1977372.1850100001 | 13748218.42287637 | 11088842 | 25027884.67810533 | 26770920.565368228 | 90509650.85135993 | 3187917.8288804004 | 3187917.8288804004 | 4423 | 4423 | 93701991.68024033 86178534 | 4427618.88682 | 36596344.23476587 | 38034777 | 128278740.58618236 | 178524986.86912096 | 472041001.57688916 | 8031959.432466011 | 8031959.432466011 | 4612326 | 4612326 | 484685287.0093552 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 | 4121150 | 280001.82876 | 1280772.085842385 | 1374712 | 6899995.30131 | 6008605.547065882 | 19965236.762978267 | 207897.59915999998 | 207897.59915999998 | 938812 | 938812 | 21111946.362138268 4121150 | 280001.82876 | 1280772.085842385 | 1374712 | 6899995.30131 | 6008605.547065882 | 19965236.762978267 | 207897.59915999998 | 207897.59915999998 | 938812 | 938812 | 21111946.362138268 Obligations à terme Banques locales | 6288161 | 0 | 1700835.65634 | 518899 | 4685901.316550001 | 2523427.5776 | 15717224.550490001 | 1756669.92431 | 1756669.92431 | 0 | 0 | 17473894.4748 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.4868 | 0 | 0.4868 | 0 | 0 | 0 | 0 | 0.4868 Autres | 6215157 | 967998.43246 | 663764.24888788 | 205193 | 1057861.21748 | 2000947.0547245452 | 11110920.953552425 | 315770.47059 | 315770.47059 | 85621 | 85621 | 11512312.424142424 12503318 | 967998.43246 | 2364599.90522788 | 724092 | 5743763.020830001 | 4524374.632324545 | 26828145.990842424 | 2072440.3949 | 2072440.3949 | 85621 | 85621 | 28986207.385742426 Autres passifs | 1285228 | 22259.700839999998 | 224728.10600989498 | 1569902 | 4172245.07862 | 1979212.436091575 | 9253575.32156147 | 383341.52213000006 | 383341.52213000006 | 0 | 0 | 9636916.84369147 104088230 | 5697878.8488799995 | 40466444.33184603 | 41703483 | 145094743.98694235 | 191037179.48460296 | 528087959.6522713 | 10695638.94865601 | 10695638.94865601 | 5636759 | 5636759 | 544420357.6009272 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728499.26157 | 2025000 | 3000000 | 6300687.5 | 15219186.76157 | 300000 | 300000 | 103837 | 103837 | 15623023.76157 Réserves | 2148480 | 237593.9566 | 385030.98121999996 | 456811 | 2131701.77986 | 2462989.73455 | 7822607.45223 | 305318.4714 | 305318.4714 | 59288 | 59288 | 8187213.92363 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 1202178.03833 | 1384 | 0 | 0 | 1307887.03833 | 0 | 0 | 0 | 0 | 1307887.03833 BNR | 4463544 | -814174.8479200001 | 1019998.310048 | 2042287 | 4408244.793339998 | 6277957.848540001 | 17397857.104008 | 270144.9905699999 | 270144.9905699999 | 289099 | 289099 | 17957101.094578 9612024 | -307255.89132000005 | 3335706.591168 | 4525482 | 9539946.573199999 | 15041635.08309 | 41747538.356138 | 875463.4619699998 | 875463.4619699998 | 452224 | 452224 | 43075225.818108 113700254 | 5390622.957559999 | 43802150.92301403 | 46228965 | 154634690.56014234 | 206078814.56769297 | 569835498.0084093 | 11571102.41062601 | 11571102.41062601 | 6088983 | 6088983 | 587495583.4190353 Hors-bilan Effets à l'encaissement | 1442315 | 0 | 0 | 0 | 54612.991590000005 | 3896.756599501 | 1500824.748189501 | 0 | 0 | 0 | 0 | 1500824.748189501 Crédit documentaire | 0 | 0 | 0 | 0 | 2209118.33377 | 2167905.5821723 | 4377023.9159423 | 0 | 0 | 0 | 0 | 4377023.9159423 Autres | 5454403 | 274055.030656465 | 2654699.08580754 | 315246 | 11647379.91612 | 2297596.6191816498 | 22643379.651765652 | 602262.4708434 | 602262.4708434 | 173041.25823 | 173041.25823 | 23418683.380839054 Portefeuille brut | 26812089 | 1345690.9374570698 | 16743477.053703833 | 14244083 | 40939657.45779 | 46006789.27329 | 146091786.7222409 | 5150825.81374 | 5150825.81374 | 96667 | 96667 | 151339279.53598088 Provisions pour créances douteuses | 3566217 | 978607.9426500001 | 1397637.858705522 | 249724 | 2282390.01041 | 677834.99671 | 9152411.808475522 | 203354.86476000003 | 203354.86476000003 | 0 | 0 | 9355766.673235523 Portefeuille de crédit improductif | 7115630 | 1156420.779245475 | 3005892.64968202 | 74197 | 1425307 | 94172.29688000001 | 12871619.725807495 | 249885.18277 | 249885.18277 | 0 | 0 | 13121504.908577496 Dépôts US convertis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisation /A | 0.3091305225756823 | -0.8061644351744173 | 0.30789203144524235 | 0.28200112164847857 | 0.4282181834493967 | 0.21533544650616623 | 0.3077180968578289 | 0.712266943427695 | 0.712266943427695 | 0.5881642725728843 | 0.5881642725728843 | 0.3188844277588358 Liquidité en % de l'actif | 0.6137738443283747 | 0.6746825310510747 | 0.46009615242378293 | 0.526215717786457 | 0.49472342987511175 | 0.5750865845327859 | 0.5491363339894877 | 0.195259488555247 | 0.195259488555247 | 0.9373437239026616 | 0.9373437239026616 | 0.5461900020161927 Liquidité en % des dépôts | 0.8097868316024035 | 0.8214255188169851 | 0.5506889152131683 | 0.6395832950460049 | 0.5963685341936423 | 0.6638463539185703 | 0.6629029582416168 | 0.2812971800613686 | 0.2812971800613686 | 1.2374385505274346 | 1.2374385505274346 | 0.6620465330716384 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 111813161.61642657 | BNC | 1600000 | UNIBK | 45328954.27658 | UNIBK | 15041635.08309 SOGEBK | 69251404.49158807 | SOGEBK | 500000 | SOGEBK | 38657267.44738 | BNC | 9612024 BNC | 45586242 | CAPITALBK | 0 | BNC | 23245872 | SOGEBK | 9539946.573199999 CAPITALBK | 24326408 | UNIBK | 0 | BUH | 15345839.19499831 | CAPITALBK | 4525482 BUH | 20153201.107410904 | BPH | 0 | CAPITALBK | 13994359 | BUH | 3335706.591168 CBNA | 5707470 | BUH | 0 | SOGEBL | 4947470.94898 | SOGEBL | 875463.4619699998 SOGEBL | 2259367.5387199996 | CBNA | 0 | BPH | 367082.99480706966 | CBNA | 452224 BPH | 1841959.14123 | SOGEBL | 0 | CBNA | 96667 | BPH | -307255.89132000005 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars22 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 mars 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5036422 | 349485.22975 | 1179087.97617608 | 1547202 | 4614645.8652 | 5967633.78760368 | 18694476.85872976 | 77297.30623000002 | 77297.30623000002 | 49484 | 49484 | 18821258.164959762 Avoirs à la BRH | 33348642 | 1495342.2694 | 15463747.7651532 | 18922169 | 51947148.15360001 | 76105412.6025132 | 197282461.7906664 | 1655334.11145 | 1655334.11145 | 4442361 | 4442361 | 203380156.9021164 Avoirs à l'étranger | 3046599 | 0 | 1745091.7270939199 | 2447945 | 7244863.581099999 | 20837185.845959034 | 35321685.15415295 | 0 | 0 | 692552 | 692552 | 36014237.15415295 Avoirs dans les banques locales | 0 | 0 | 204667.86193928 | 14715 | 36686.435 | -3.7034795968793333e-09 | 256069.2969392763 | 157105.32249000002 | 157105.32249000002 | 0 | 0 | 413174.6194292763 Autres liquidités | 677352 | 7003.33722 | 3252.1966675999997 | 424115 | 160292.58293 | 1153819.06821944 | 2425834.18503704 | 37174.577269999994 | 37174.577269999994 | 58111 | 58111 | 2521119.76230704 42109015 | 1851830.8363700002 | 18595847.52703008 | 23356146 | 64003636.61783001 | 104064051.30429535 | 253980527.28552544 | 1926911.31744 | 1926911.31744 | 5242508 | 5242508 | 261149946.60296544 Bons B.R.H. | 1500000 | 0 | 0 | 0 | 0 | 0 | 1500000 | 0 | 0 | 0 | 0 | 1500000 Bons du Trésor / M.E.F. | 20650000 | 1800000 | 0 | 0 | 5250000 | 9700000 | 37400000 | 0 | 0 | 0 | 0 | 37400000 Autres Placements | 14792050 | 0 | 5732107.56329816 | 3893426 | 25280474.38121 | 32042361.4991649 | 81740419.44367306 | 2224666.61477 | 2224666.61477 | 0 | 0 | 83965086.05844305 Portefeuille net | 23595779 | 307815.1988900001 | 14294328.520206444 | 12495100 | 37668175.41427 | 43266315.300340004 | 131627513.43370643 | 4726902.29294792 | 4726902.29294792 | 96667 | 96667 | 136451082.72665435 Immobilisations | 2974585.0042 | 260419.97009 | 1025048.54414 | 1229136 | 4075119.7471900005 | 3237373.18895 | 12801682.454570001 | 621981.8739799999 | 621981.8739799999 | 266367 | 266367 | 13690031.328550002 Autres actifs | 2977402 | 1030401.35485 | 1350103.3013173598 | 1041120 | 5652468.113729999 | 2376031.49763744 | 14427526.2675348 | 1319174.9893200002 | 1319174.9893200002 | 16877 | 16877 | 15763578.2568548 108598831.0042 | 5250467.3602 | 40997435.45599204 | 42014928 | 141929874.27423003 | 194686132.7903877 | 533477668.88500977 | 10819637.088457922 | 10819637.088457922 | 5622419 | 5622419 | 549919724.9734677 PASSIF Dépôts À vue | 39308520 | 1909445.69482 | 13645241.851466082 | 15761488 | 54591618.13988766 | 74875776.42385721 | 200092090.11003095 | 3332166.0252900003 | 3332166.0252900003 | 3592594 | 3592594 | 207016850.13532096 Épargne | 30539023 | 532605.58394 | 7134554.3697992 | 8154226 | 38144748.59183792 | 66603413.225681044 | 151108570.77125815 | 1079046.8361600002 | 1079046.8361600002 | 641505 | 641505 | 152829122.60741815 À terme | 11265082 | 1849128.17648 | 12683697.322354 | 9941414 | 23594660.973549515 | 24193836.201953836 | 83527818.67433736 | 2968501.43256 | 2968501.43256 | 4423 | 4423 | 86500743.10689735 81112625 | 4291179.45524 | 33463493.543619283 | 33857128 | 116331027.70527509 | 165673025.85149208 | 434728479.5556265 | 7379714.29401 | 7379714.29401 | 4238522 | 4238522 | 446346715.84963644 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 | 3970502 | 251379.90006 | 1563364.43503184 | 1546532 | 6471535.985099999 | 4915567.37648103 | 18718881.69667287 | 171006.48456999997 | 171006.48456999997 | 835216 | 835216 | 19725104.181242872 3970502 | 251379.90006 | 1563364.43503184 | 1846532 | 6471535.985099999 | 4915567.37648103 | 19018881.69667287 | 171006.48456999997 | 171006.48456999997 | 835216 | 835216 | 20025104.181242872 Obligations à terme Banques locales | 6784540 | 0 | 1747248.5136 | 535667 | 5027114.348719999 | 5069733.88215 | 19164303.74447 | 1731616.8439200001 | 1731616.8439200001 | 0 | 0 | 20895920.58839 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.43979 | 0 | 0.43979 | 0 | 0 | 0 | 0 | 0.43979 Autres | 6030361 | 981233.0291 | 758616.9994715872 | 147117 | 791009.07175 | 2209621.1538708797 | 10917958.254192468 | 279277.49453 | 279277.49453 | 77057 | 77057 | 11274292.748722468 12814901 | 981233.0291 | 2505865.5130715873 | 682784 | 5818123.8602599995 | 7279355.03602088 | 30082262.438452467 | 2010894.3384500002 | 2010894.3384500002 | 77057 | 77057 | 32170213.776902467 Autres passifs | 1129869 | 21241.01746 | 196544.03229696 | 1489710 | 3977608.13181 | 1713015.59073616 | 8527987.77230312 | 409499.24350000004 | 409499.24350000004 | 0 | 0 | 8937487.01580312 99027897 | 5545033.40186 | 37729267.52401967 | 37876154 | 132598295.68244508 | 179580963.85473013 | 492357611.4630549 | 9971114.36053 | 9971114.36053 | 5150795 | 5150795 | 507479520.8235849 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728499.26157 | 810000 | 3000000 | 6300687.5 | 14004186.76157 | 300000 | 300000 | 103837 | 103837 | 14408023.76157 Réserves | 2106357 | 237593.9566 | 385030.98121999996 | 781811 | 2131701.77986 | 2458444.36815 | 8100939.085829999 | 305318.4714 | 305318.4714 | 59288 | 59288 | 8465545.55723 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 1202178.03833 | 1384 | 0 | 0 | 1307887.03833 | 0 | 0 | 0 | 0 | 1307887.03833 BNR | 4464577 | -801484.9977300001 | 952459.6508477746 | 2545579 | 4199876.811919998 | 6346037.065479999 | 17707044.53051777 | 243204.25656999997 | 243204.25656999997 | 308499 | 308499 | 18258747.787087772 9570934 | -294566.04113 | 3268167.9319677744 | 4138774 | 9331578.59178 | 15105168.933629999 | 41120057.41624777 | 848522.7279699999 | 848522.7279699999 | 471624 | 471624 | 42440204.144217774 108598831 | 5250467.36073 | 40997435.455987446 | 42014928 | 141929874.2742251 | 194686132.78836012 | 533477668.87930274 | 10819637.0885 | 10819637.0885 | 5622419 | 5622419 | 549919724.9678026 Hors-bilan Effets à l'encaissement | 1303025 | 0 | 0 | 0 | 18210.459740000002 | 4584.049443434 | 1325819.509183434 | 0 | 0 | 0 | 0 | 1325819.509183434 Crédit documentaire | 0 | 0 | 0 | 0 | 1994005.21078 | 1681665.7357104 | 3675670.9464904 | 0 | 0 | 0 | 0 | 3675670.9464904 Autres | 4696508 | 230735.274625 | 2805613.0789375203 | 278392 | 8924504.546120001 | 2083855.6387447198 | 19019608.53842724 | 529486.08056464 | 529486.08056464 | 369426.42164 | 369426.42164 | 19918521.040631883 Portefeuille brut | 27085375 | 1280897.42989 | 15570542.186766557 | 12722948 | 39667745.51438 | 43960853.42089 | 140288361.55192655 | 4912569.99304792 | 4912569.99304792 | 96667 | 96667 | 145297598.54497448 Provisions pour créances douteuses | 3489596 | 973082.2309999999 | 1276213.6665601125 | 227848 | 1999570.10011 | 694538.12055 | 8660848.118220111 | 185667.70010000002 | 185667.70010000002 | 0 | 0 | 8846515.81832011 Portefeuille de crédit improductif | 5719525 | 1097253.18595 | 2623716.9914146396 | 64411 | 1527373 | 89393.09167 | 11121672.269034639 | 242987.21453568002 | 242987.21453568002 | 0 | 0 | 11364659.483570319 Dépôts US convertis | 92094057 | 4690683.72937 | 37778218.982636556 | 37028252 | 129332295.37609142 | 187147926.7207068 | 488071433.80880475 | 8021818.65798527 | 8021818.65798527 | 4088046 | 4088046 | 500181298.46679 Immobilisation /A | 0.31079359696765224 | -0.8840800829959539 | 0.3136462279411741 | 0.296980700081715 | 0.43670207640748926 | 0.21432221004442686 | 0.31132452771118146 | 0.7330173411713146 | 0.7330173411713146 | 0.5647867792987634 | 0.5647867792987634 | 0.32257223085047737 Liquidité en % de l'actif | 0.5917100065056393 | 0.6955249096588795 | 0.4535856284716018 | 0.5559011311408174 | 0.4879426334446086 | 0.5843459401742879 | 0.5490024125989337 | 0.17809389554253846 | 0.17809389554253846 | 0.9324292622090242 | 0.9324292622090242 | 0.5456249939342368 Liquidité en % des dépôts | 0.7922196452155259 | 0.8510086502932696 | 0.5557055034552983 | 0.6898442774000204 | 0.5953152652728578 | 0.6866781766047569 | 0.6737090875318403 | 0.26110920296793116 | 0.26110920296793116 | 1.2368717208498623 | 1.2368717208498623 | 0.6722351390707783 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 104064051.30429535 | BNC | 1500000 | UNIBK | 43266315.300340004 | UNIBK | 15105168.933629999 SOGEBK | 64003636.61783001 | SOGEBK | 0 | SOGEBK | 37668175.41427 | BNC | 9570934 BNC | 42109015 | CAPITALBK | 0 | BNC | 23595779 | SOGEBK | 9331578.59178 CAPITALBK | 23356146 | UNIBK | 0 | BUH | 14294328.520206444 | CAPITALBK | 4138774 BUH | 18595847.52703008 | BPH | 0 | CAPITALBK | 12495100 | BUH | 3268167.9319677744 CBNA | 5242508 | BUH | 0 | SOGEBL | 4726902.29294792 | SOGEBL | 848522.7279699999 SOGEBL | 1926911.31744 | CBNA | 0 | BPH | 307815.1988900001 | CBNA | 471624 BPH | 1851830.8363700002 | SOGEBL | 0 | CBNA | 96667 | BPH | -294566.04113 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [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 | 43342122 | 2744936.75263 | 26495196.55505655 | 27141824 | 88538517.4464814 | 139122011.7240868 | 327384608.4782548 | 6356459.9129952695 | 6356459.9129952695 | 2787396 | 2787396 | 336528464.3912501 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 [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 4 2022 (Juil. -Sept. 22) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 499046 | 5426.79206 | 381563.7545550001 | 526812 | 1475945.6591999999 | 1065835.84592 | 3954630.0517349998 | 141835.12488999998 | 141835.12488999998 | 6016 | 6016 | 4102481.176625 Intérêts sur Bons B.R.H. | 33717 | 0 | 234 | 6249 | 188224.14835 | 0 | 228424.14835 | 0 | 0 | 0 | 0 | 228424.14835 Autres | 699152 | 48307.00824 | 91031.550378227 | 58845 | 129797.52087999997 | 337741.28193 | 1364874.361428227 | 30234.742500000004 | 30234.742500000004 | 5619 | 5619 | 1400728.103928227 1231915 | 53733.8003 | 472829.30493322713 | 591906 | 1793967.3284299998 | 1403577.12785 | 5547928.5615132265 | 172069.86738999997 | 172069.86738999997 | 11635 | 11635 | 5731633.428903227 Dépenses d'intérêt | 132634 | 10359.793969999999 | 138075.33839000002 | 105998 | 196773.39019 | 226934.57977 | 810775.1023200001 | 41563.782136247 | 41563.782136247 | 881 | 881 | 853219.8844562471 1099281 | 43374.006330000004 | 334753.9665432271 | 485908 | 1597193.9382399998 | 1176642.54808 | 4737153.459193226 | 130506.08525375297 | 130506.08525375297 | 10754 | 10754 | 4878413.54444698 AUTRES REVENUS Commissions | 188910 | 3058.76448 | 104841.44252000001 | 219102 | 459676.4501299999 | 694516.27572 | 1670104.93285 | 6141.074459999992 | 6141.074459999992 | 16914 | 16914 | 1693160.00731 Gains sur change | 61743 | 3185.53924 | 154305.13060417195 | 220738 | 358794.10295000003 | 859402.25932 | 1658168.032114172 | -311.56917 | -311.56917 | 52153 | 52153 | 1710009.4629441719 Autres | 16288 | 16841.87192 | 60046.34337 | 72356 | 32281.86428 | 564085.8016199999 | 761899.88119 | 65688.69158 | 65688.69158 | 10888 | 10888 | 838476.57277 266941 | 23086.17564 | 319192.91649417195 | 512196 | 850752.41736 | 2118004.33666 | 4090172.846154172 | 71518.19686999999 | 71518.19686999999 | 79955 | 79955 | 4241646.043024171 PRODUIT NET BANCAIRE | 1366222 | 66460.18197 | 653946.883037399 | 998104 | 2447946.3556 | 3294646.88474 | 8827326.305347398 | 202024.28212375296 | 202024.28212375296 | 90709 | 90709 | 9120059.58747115 Dotation à la provision pour créances douteuses | 50000 | 9000 | 34848.48686219829 | 112929 | 786179.80375 | 10094.44786 | 1003051.7384721981 | 16900.864129999998 | 16900.864129999998 | 0 | 0 | 1019952.6026021981 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1316222 | 57460.181970000005 | 619098.3961752007 | 885175 | 1661766.55185 | 3284552.43688 | 7824274.5668752 | 185123.41799375296 | 185123.41799375296 | 90709 | 90709 | 8100106.984868952 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 726920 | 29853.09971 | 194106.63735000003 | 270375 | 551350.83163 | 889845.88705 | 2662451.45574 | 36912.303259999986 | 36912.303259999986 | 33268 | 33268 | 2732631.759 Frais de locaux | 28644 | 4487.32965 | 89176.93981845137 | 65224 | 54662.94369000001 | 63078.006389999995 | 305273.21954845136 | 15276.243460000002 | 15276.243460000002 | 1673 | 1673 | 322222.4630084514 Amortissement | 36320 | 1676.21222 | 22521.002580000004 | 27024 | 86815.93022000001 | 136839.73469 | 311196.87971 | 4703.176660000001 | 4703.176660000001 | 5319 | 5319 | 321219.05637 Autres dépenses d'exploitation | 293758 | 27075.13422 | 212637.84950791704 | 317692 | 485818.79411999986 | 745940.5991500001 | 2082922.376997917 | 23203.476850000003 | 23203.476850000003 | 31064.005179999993 | 31064.005179999993 | 2137189.859027917 1085642 | 63091.775799999996 | 518442.4292563684 | 680315 | 1178648.4996599997 | 1835704.2272800002 | 5361843.931996368 | 80095.20022999999 | 80095.20022999999 | 71324.00518 | 71324.00518 | 5513263.137406368 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 230580 | -5631.593829999991 | 100655.96691883227 | 204860 | 483118.0521900002 | 1448848.2095999997 | 2462430.634878832 | 105028.21776375297 | 105028.21776375297 | 19384.994820000007 | 19384.994820000007 | 2586843.8474625843 Impôts sur le revenu | 0 | 0 | 30196.79007564968 | 52587 | 112000 | 24111.30944000004 | 218895.09951564972 | 28357.618795200007 | 28357.618795200007 | 436 | 436 | 247688.71831084974 BÉNÉFICE NET (PERTE NETTE) | 230580 | -5631.593829999991 | 70459.17684318259 | 152273 | 371118.0521900002 | 1424736.9001599997 | 2243535.5353631824 | 76670.59896855296 | 76670.59896855296 | 18948.994820000007 | 18948.994820000007 | 2339155.1291517345 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 4 2021 (Juil. -Sept. 21) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 418877.00192 | 6546.1045 | 425867.10245999997 | 473777 | 1156472.12567 | 804180.19627 | 3285719.53082 | 168970.28045999998 | 168970.28045999998 | 12197 | 12197 | 3466886.81128 Intérêts sur Bons B.R.H. | 8219 | 0 | 0 | 2649 | 119624.35162999999 | 0 | 130492.35162999999 | 0 | 0 | 0 | 0 | 130492.35162999999 Autres | 533568 | 39559.160220000005 | 35720.417482408 | 12807 | 83760.51385 | 231685.37410999998 | 937100.4656624079 | 8663.3874 | 8663.3874 | 313 | 313 | 946076.8530624079 960664.00192 | 46105.26472000001 | 461587.51994240796 | 489233 | 1359856.99115 | 1035865.5703799999 | 4353312.348112408 | 177633.66786 | 177633.66786 | 12510 | 12510 | 4543456.015972408 Dépenses d'intérêt | 142280 | 11076.04912 | 121845.41767000001 | 101339 | 197523.69591999997 | 192258.36065 | 766322.52336 | 39489.07092 | 39489.07092 | 688 | 688 | 806499.59428 818384.00192 | 35029.21560000001 | 339742.10227240797 | 387894 | 1162333.2952299998 | 843607.20973 | 3586989.824752408 | 138144.59694 | 138144.59694 | 11822 | 11822 | 3736956.4216924077 AUTRES REVENUS Commissions | 173986 | 3289.2704200000003 | 102208.75779400003 | 192285 | 517288.50535000005 | 602334.39697 | 1591391.930534 | 6765.885919999997 | 6765.885919999997 | 18129 | 18129 | 1616286.816454 Gains sur change | 49890 | -402.05816000000004 | 38174.599 | 206479 | 225167.71271000002 | 460686.48286 | 979995.73641 | 6092.385960000001 | 6092.385960000001 | 57401 | 57401 | 1043489.12237 Autres | 11176 | 382.80240000000003 | 54578.09658999999 | 48268 | 191859.10502000002 | 724578.6095399999 | 1030842.6135499999 | 19009.78673 | 19009.78673 | 10892 | 10892 | 1060744.40028 235052 | 3270.0146600000003 | 194961.453384 | 447032 | 934315.3230800001 | 1787599.4893699999 | 3602230.280494 | 31868.05861 | 31868.05861 | 86422 | 86422 | 3720520.3391039995 PRODUIT NET BANCAIRE | 1053436.00192 | 38299.23026000001 | 534703.555656408 | 834926 | 2096648.6183099998 | 2631206.6991 | 7189220.105246408 | 170012.65555 | 170012.65555 | 98244 | 98244 | 7457476.760796407 Dotation à la provision pour créances douteuses | 20000 | 12000 | -87381.28886 | 18439 | 449683.91792 | -42657.11 | 370084.51905999996 | 24835.729030000002 | 24835.729030000002 | 0 | 0 | 394920.24808999995 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1033436.00192 | 26299.23026000001 | 622084.8445164079 | 816487 | 1646964.70039 | 2673863.8090999997 | 6819135.586186408 | 145176.92651999998 | 145176.92651999998 | 98244 | 98244 | 7062556.512706407 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 555906 | 30146.78684 | 145538.67355999997 | 193499 | 491876.78202999994 | 572402.2457 | 1989369.48813 | 35245.10111999999 | 35245.10111999999 | 33774 | 33774 | 2058388.58925 Frais de locaux | 26947 | 6126.37031 | 68092.17880000001 | 80090 | 34133.61474999999 | 85310.88982 | 300700.05368 | 10851.06471 | 10851.06471 | 5326 | 5326 | 316877.11839 Amortissement | 39059 | 4224.940790000001 | 32186.729500000012 | 22102 | 108550.42777000001 | 117622.91129999999 | 323746.00936 | 4793.995089999998 | 4793.995089999998 | 5881 | 5881 | 334421.00445 Autres dépenses d'exploitation | 229605 | 12183.41085 | 160098.06002526602 | 241934 | 545701.36148 | 558642.87728 | 1748164.709635266 | 22197.893760000006 | 22197.893760000006 | 51469.77692153188 | 51469.77692153188 | 1821832.3803167979 851517 | 52681.50879 | 405915.641885266 | 537625 | 1180262.18603 | 1333978.9241 | 4361980.260805266 | 73088.05468 | 73088.05468 | 96450.77692153188 | 96450.77692153188 | 4531519.092406798 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 181919.00191999995 | -26382.27852999999 | 216169.20263114193 | 278862 | 466702.5143599999 | 1339884.8849999998 | 2457155.325381142 | 72088.87183999998 | 72088.87183999998 | 1793.223078468116 | 1793.223078468116 | 2531037.420299609 Impôts sur le revenu | 0 | 0 | 64850.76078934263 | 22165 | 107000 | -14764.437519999992 | 179251.32326934265 | 18587.468515499997 | 18587.468515499997 | 556 | 556 | 198394.79178484264 BÉNÉFICE NET (PERTE NETTE) | 181919.00191999995 | -26382.27852999999 | 151318.4418417993 | 256697 | 359702.5143599999 | 1354649.3225199997 | 2277904.0021117995 | 53501.40332449998 | 53501.40332449998 | 1237.223078468116 | 1237.223078468116 | 2332642.6285147667 Commissions / salaires | 0.25987729048588565 | 0.10246053206245094 | 0.5401229136279198 | 0.8103633841886269 | 0.833727680741904 | 0.7804905161976385 | 0.6272808953002346 | 0.16636931097861798 | 0.16636931097861798 | 0.5084164963328123 | 0.5084164963328123 | 0.6196078200926742 marge nette en % revenus d'intérêts | 0.8923351042888511 | 0.8072015395866203 | 0.7079805821056311 | 0.8209208894655571 | 0.8903138384564633 | 0.8383169864575818 | 0.8538598517752259 | 0.7584482235809376 | 0.7584482235809376 | 0.9242801890846584 | 0.9242801890846584 | 0.8511384415908967 frais d'exploitation en % produit net bancaire | 0.7946307408312852 | 0.9493169282696141 | 0.7927898162742965 | 0.6816073274929266 | 0.4814846113615545 | 0.5571778377168534 | 0.6074142663955089 | 0.39646323396380884 | 0.39646323396380884 | 0.7862946915962031 | 0.7862946915962031 | 0.6045205170567433 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net SOGEBK | 1793967.3284299998 | CBNA | 0.9242801890846584 | UNIBK | 2118004.33666 | SOGEBL | 0.39646323396380884 | UNIBK | 1835704.2272800002 | UNIBK | 1424736.9001599997 UNIBK | 1403577.12785 | BNC | 0.8923351042888511 | SOGEBK | 850752.41736 | SOGEBK | 0.4814846113615545 | SOGEBK | 1178648.4996599997 | SOGEBK | 371118.0521900002 BNC | 1231915 | SOGEBK | 0.8903138384564633 | CAPITALBK | 512196 | UNIBK | 0.5571778377168534 | BNC | 1085642 | BNC | 230580 CAPITALBK | 591906 | UNIBK | 0.8383169864575818 | BUH | 319192.91649417195 | CAPITALBK | 0.6816073274929266 | CAPITALBK | 680315 | CAPITALBK | 152273 BUH | 472829.30493322713 | CAPITALBK | 0.8209208894655571 | BNC | 266941 | CBNA | 0.7862946915962031 | BUH | 518442.4292563684 | SOGEBL | 76670.59896855296 SOGEBL | 172069.86738999997 | BPH | 0.8072015395866203 | CBNA | 79955 | BUH | 0.7927898162742965 | SOGEBL | 80095.20022999999 | BUH | 70459.17684318259 BPH | 53733.8003 | SOGEBL | 0.7584482235809376 | SOGEBL | 71518.19686999999 | BNC | 0.7946307408312852 | CBNA | 71324.00518 | CBNA | 18948.994820000007 CBNA | 11635 | BUH | 0.7079805821056311 | BPH | 23086.17564 | BPH | 0.9493169282696141 | BPH | 63091.775799999996 | BPH | -5631.593829999991 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 21 - Septembre 2022) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 2097638.0114 | 23955.86657 | 1681379.982105 | 1961129 | 4547954.571599999 | 3669132.37115 | 13981189.802825 | 504154.37145999994 | 504154.37145999994 | 27177 | 27177 | 14512521.174285 Intérêts sur Bons B.R.H. | 122725 | 0 | 234 | 8602 | 616176.0439599999 | 0 | 747737.0439599999 | 0 | 0 | 0 | 0 | 747737.0439599999 Autres | 2401434 | 184254.78512 | 223818.714938347 | 108345 | 411153.84614000004 | 1079910.18266 | 4408916.528858347 | 67115.19365 | 67115.19365 | 6964 | 6964 | 4482995.722508347 4621797.0114 | 208210.65168999997 | 1905432.697043347 | 2078076 | 5575284.461699999 | 4749042.55381 | 19137843.375643346 | 571269.56511 | 571269.56511 | 34141 | 34141 | 19743253.94075335 Dépenses d'intérêt | 510834 | 40793.44923 | 494062.41411 | 417014 | 754244.83131 | 843454.8835799999 | 3060403.57823 | 161764.273638875 | 161764.273638875 | 3152 | 3152 | 3225319.8518688753 4110963.0114 | 167417.20245999997 | 1411370.282933347 | 1661062 | 4821039.630389999 | 3905587.6702300003 | 16077439.797413345 | 409505.291471125 | 409505.291471125 | 30989 | 30989 | 16517934.088884473 AUTRES REVENUS Commissions | 772873 | 13059.07034 | 449377.10533000005 | 933037 | 1932535.9100600001 | 2065190.1579300002 | 6166072.24366 | 22418.072729999996 | 22418.072729999996 | 68676 | 68676 | 6257166.31639 Gains sur change | 287584 | 3242.0414100000003 | 418051.30838417186 | 835085 | 1214671.3382400002 | 2832460.91812 | 5591094.606154172 | 7806.161010000002 | 7806.161010000002 | 165616 | 165616 | 5764516.767164172 Autres | 360791 | 30116.3071 | 229273.31182 | 628958 | 381271.38541000005 | 2235144.15997 | 3865554.1643000003 | 85210.66678 | 85210.66678 | 41728 | 41728 | 3992492.8310800004 1421248 | 46417.41885 | 1096701.7255341718 | 2397080 | 3528478.63371 | 7132795.236020001 | 15622721.014114173 | 115434.90052 | 115434.90052 | 276020 | 276020 | 16014175.914634172 PRODUIT NET BANCAIRE | 5532211.0114 | 213834.62130999996 | 2508072.0084675187 | 4058142 | 8349518.264099998 | 11038382.90625 | 31700160.81152752 | 524940.191991125 | 524940.191991125 | 307009 | 307009 | 32532110.003518645 Dotation à la provision pour créances douteuses | 430000 | 36002.51826 | 169842.66459430777 | 189086 | 1815833.61457 | -186425.86183 | 2454338.935594308 | 11065.13511 | 11065.13511 | 0 | 0 | 2465404.0707043083 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5102211.0114 | 177832.10304999998 | 2338229.343873211 | 3869056 | 6533684.649529998 | 11224808.76808 | 29245821.87593321 | 513875.056881125 | 513875.056881125 | 307009 | 307009 | 30066705.932814337 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2339668 | 109632.52352999999 | 762222.0032899999 | 861958 | 2057757.24083 | 2962479.43511 | 9093717.20276 | 133705.455 | 133705.455 | 139652 | 139652 | 9367074.65776 Frais de locaux | 110579 | 18357.52591 | 309971.1388284514 | 294544 | 227260.61422999998 | 286743.51791999995 | 1247455.7968884513 | 58164.05859 | 58164.05859 | 12550 | 12550 | 1318169.8554784514 Amortissement | 153962 | 10171.469219999999 | 83394.97262 | 96214 | 345650.5553400001 | 525221.4899500001 | 1214614.4871300003 | 18972.54843 | 18972.54843 | 22113 | 22113 | 1255700.0355600002 Autres dépenses d'exploitation | 995841 | 83246.37148999999 | 834358.166288707 | 1113317 | 1844126.8332099998 | 2550167.96029 | 7421057.331278707 | 84044.56931 | 84044.56931 | 131288.10953289998 | 131288.10953289998 | 7636390.010121607 3600050 | 221407.89015 | 1989946.2810271583 | 2366033 | 4474795.24361 | 6324612.40327 | 18976844.81805716 | 294886.63133 | 294886.63133 | 305603.1095329 | 305603.1095329 | 19577334.55892006 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1502161.0114000002 | -43575.787100000016 | 348283.0628460529 | 1503023 | 2058889.405919998 | 4900196.36481 | 10268977.05787605 | 218988.42555112502 | 218988.42555112502 | 1405.89046710002 | 1405.89046710002 | 10489371.373894278 Impôts sur le revenu | 0 | 0 | 104484.91885381544 | 304796 | 501000 | 428771.84739000007 | 1339052.7662438154 | 59126.87473649999 | 59126.87473649999 | -4425 | -4425 | 1393754.6409803154 BÉNÉFICE NET (PERTE NETTE) | 1502161.0114000002 | -43575.787100000016 | 243798.14399223748 | 1198227 | 1557889.405919998 | 4471424.51742 | 8929924.291632235 | 159861.55081462505 | 159861.55081462505 | 5830.89046710002 | 5830.89046710002 | 9095616.732913963 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2021 (Octobre 20 -Septembre 21) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 2048688.10863 | 33867.32252 | 1618150.9311499998 | 1613121 | 3801588.7692 | 2928900.85946 | 12044316.990959998 | 529933.9751899999 | 529933.9751899999 | 56968 | 56968 | 12631218.966149999 Intérêts sur Bons B.R.H. | 49837 | 7965.36002 | 0 | 6490 | 527882.8241600001 | 6070 | 598245.1841800001 | 0 | 0 | 0 | 0 | 598245.1841800001 Autres | 2043261.1 | 156911.51449 | 221391.47154 | 63514 | 253246.60164999997 | 925604.30916 | 3663928.99684 | 29031.799980000003 | 29031.799980000003 | 868 | 868 | 3693828.7968200003 4141786.20863 | 198744.19703 | 1839542.40269 | 1683125 | 4582718.19501 | 3860575.1686199997 | 16306491.17198 | 558965.7751699999 | 558965.7751699999 | 57836 | 57836 | 16923292.94715 Dépenses d'intérêt | 520662.9 | 56443.20608999999 | 447514.55275000003 | 360037 | 722426.5054 | 716446.56067 | 2823530.7249100003 | 155365.35726 | 155365.35726 | 2083 | 2083 | 2980979.0821700003 3621123.30863 | 142300.99094000002 | 1392027.8499399999 | 1323088 | 3860291.68961 | 3144128.6079499996 | 13482960.447069999 | 403600.41790999996 | 403600.41790999996 | 55753 | 55753 | 13942313.86498 AUTRES REVENUS Commissions | 700065 | 13658.338370000001 | 340363.688774 | 731540 | 1669600.70954 | 1624121.2409700002 | 5079348.977654001 | 21045.949719999997 | 21045.949719999997 | 61519 | 61519 | 5161913.927374001 Gains sur change | 209412 | 7452.93864 | 144731.85041 | 635218 | 804539.23952 | 2265663.86052 | 4067017.88909 | 19564.682539999998 | 19564.682539999998 | 207811 | 207811 | 4294393.57163 Autres | 63770 | 6414.935509999999 | 208417.40950999997 | 462711 | 944216.6675360462 | 2372488.33828 | 4058018.350836046 | 36394.379100000006 | 36394.379100000006 | 30089 | 30089 | 4124501.729936046 973247 | 27526.21252 | 693512.948694 | 1829469 | 3418356.6165960464 | 6262273.43977 | 13204385.217580047 | 77005.01136 | 77005.01136 | 299419 | 299419 | 13580809.228940047 PRODUIT NET BANCAIRE | 4594370.30863 | 169827.20346000002 | 2085540.798634 | 3152557 | 7278648.306206046 | 9406402.04772 | 26687345.664650045 | 480605.42926999996 | 480605.42926999996 | 355172 | 355172 | 27523123.093920045 Dotation à la provision pour créances douteuses | 445000 | 48000 | 65137.02223999999 | 94553 | 1144469.03525 | -3111.7980499999976 | 1794047.25944 | 38169.06239000001 | 38169.06239000001 | 0 | 0 | 1832216.32183 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 4149370.30863 | 121827.20346000002 | 2020403.7763939998 | 3058004 | 6134179.270956046 | 9409513.84577 | 24893298.405210044 | 442436.36688 | 442436.36688 | 355172 | 355172 | 25690906.772090044 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2023623.1 | 111554.21149 | 608500.8565 | 713469 | 1775612.10461 | 2206372.78204 | 7439132.05464 | 130739.79483999997 | 130739.79483999997 | 117833 | 117833 | 7687704.849479999 Frais de locaux | 103609 | 25622.10871 | 254623.67733000003 | 257396 | 226680.73657 | 338256.32162999996 | 1206187.84424 | 49332.693510000005 | 49332.693510000005 | 21143 | 21143 | 1276663.53775 Amortissement | 156848 | 15754.31421 | 125721.18615 | 95546 | 328188.08378999995 | 464276.48328 | 1186334.06743 | 19363.877660000002 | 19363.877660000002 | 23429 | 23429 | 1229126.94509 Autres dépenses d'exploitation | 656690.07874 | 47731.13016 | 504123.345815266 | 838278 | 1715528.7587799998 | 1951544.7825500001 | 5713896.096045266 | 82742.14202 | 82742.14202 | 127012.88450610574 | 127012.88450610574 | 5923651.1225713715 2940770.1787400004 | 200661.76457000003 | 1492969.065795266 | 1904689 | 4046009.68375 | 4960450.3695 | 15545550.062355265 | 282178.50802999997 | 282178.50802999997 | 289417.88450610574 | 289417.88450610574 | 16117146.45489137 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1208600.1298899995 | -78834.56111000001 | 527434.7105987337 | 1153315 | 2088169.587206046 | 4449063.4762699995 | 9347748.34285478 | 160257.85885000002 | 160257.85885000002 | 65754.11549389426 | 65754.11549389426 | 9573760.317198673 Impôts sur le revenu | 0 | 0 | 158230.41317962017 | 128030 | 394000 | 374255.54552000004 | 1054515.9586996203 | 42393.085623700026 | 42393.085623700026 | 20421 | 20421 | 1117330.0443233203 BÉNÉFICE NET (PERTE NETTE) | 1208600.1298899995 | -78834.56111000001 | 369204.2974191136 | 1025285 | 1694169.587206046 | 4074807.9307499994 | 8293232.384155159 | 117864.77322629999 | 117864.77322629999 | 45333.11549389426 | 45333.11549389426 | 8456430.272875354 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) Var.sept. 22 | 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 | -0.0023941328366929946 | 108598831.0042 | 0.04697493472772935 | 113700254.00213 | 0.05782221911198931 | 120274655.00213 | 0.16181561174710765 | 103523015 | 0.21434102271599692 | 85250364.6533 | 0.046120395183805105 | 81491924.87383 | 0.20593534220412657 | 67575699.97483 Bons B.R.H. | 800000 | 0.875 | 1500000 | 0.06666666666666667 | 1600000 | -0.5 | 800000 | -0.2 | 1000000 | 0 | 0 | 0 | 1000000 | -0.8906506287588847 | 9145000 Prêts nets | 24192121 | -0.024650256998962596 | 23595779 | -0.014829220090593322 | 23245872 | -0.05215106578922916 | 22033575 | -0.09050578950008019 | 24226185 | 0.07321871539985783 | 22573390.35592 | 0.06277374111676708 | 21240071.6 | 0.3302674404738643 | 15966768 Dépôts | 82488908 | -0.016684461382371556 | 81112625 | 0.0624552466400884 | 86178534 | 0.06864265061645165 | 92094057 | 0.17949430932194144 | 78079272 | 0.2710003946437675 | 61431351.5 | -0.010110508506066363 | 62058797.5 | 0.1692237667667271 | 53076921 Avoir des Actionnaires | 9131542 | 0.04811805059868311 | 9570934 | 0.004293206911676541 | 9612024 | 0.02398870414805456 | 9842604 | 0.1310342640293881 | 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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 1024630.00398 | 0.11165743841172232 | 921713.8019099998 | 1036374.0030700001 | 0.14237938069385325 | 907206.50301 | 950678.0043500001 | -0.02376314017026166 | 973819.0017900001 | 1099281 | 0 | 818384.00192 | 4110963.0114 | 0.13527285900554548 | 3621123.30863 Autres revenus | 548012 | 0.8337421239488839 | 298849 | 288271 | 0.33829305206079796 | 215402 | 318024 | 0.42010502625656415 | 223944 | 266941 | 0 | 235052 | 1421248 | 0.4603158293834967 | 973247 Dot. à la prov. pr créances douteuses | 270000 | -0.1 | 300000 | 50000 | -0.6 | 125000 | 60000 | 0 | 0 | 50000 | 0 | 20000 | 430000 | -0.033707865168539325 | 445000 Dépenses d'exploitation | 873404 | 0.3305988616203856 | 656399.17874 | 835254 | 0.21985109198239275 | 684718 | 805750 | 0.07701006234160634 | 748136 | 1085642 | 0 | 851517 | 3600050 | 0.22418610812439416 | 2940770.1787400004 Bénéfice (perte) net | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 439391.0030700001 | 0.4042963875319571 | 312890.5030100001 | 402952.00435000006 | -0.10380826163505141 | 449627.0017900001 | 230580 | 0 | 181919.00191999995 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 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. 21-sept 22) | (oct. 20-sept. 21) | 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 | 0.08813109599337998 | 0.0948315766302183 | 0.08453828080120149 | 0.08385763903025426 | 0.08183439811010634 | 0.08406153935914637 | 0.08183439811010634 | 0.08406153935914637 | 0.08406153935914637 | 0.0958980531432077 | 0.09027212096645935 | 0.0936542870049038 Dépôts en % de l'actif | 0.7577560258775868 | 0.7587832493819064 | 0.7469014560282239 | 0.7629197197773505 | 0.7579449558519507 | 0.733417729685035 | 0.765697951894928 | 0.7542213873890747 | 0.765697951894928 | 0.7542213873890747 | 0.7542213873890747 | 0.7205992813031565 | 0.7615330917275869 | 0.7854438950653804 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.20211804927361274 | 0.15526848798309698 | 0.2111665428298482 | 0.242369143598233 | 0.2653888699235632 | 0.16466045645604196 | 0.2061279151235176 | 0.16976937609801523 | 0.2061279151235176 | 0.16976937609801523 | 0.16976937609801523 | 0.13055755492733703 | 0.2411278826739176 | 0.04082914348332135 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.6122969985606395 | 0.7061028443372843 | 0.6101198963200616 | 0.4654249779586107 | 0.501180780900637 | 0.674006422714821 | 0.6844699825768059 | 0.6749281125897745 | 0.6844699825768059 | 0.6749281125897745 | 0.6749281125897745 | 0.6360964566757642 | 0.19347274672846038 | 0.799508241481033 Prêts improductifs nets en % de l'avoir des actionnaires | 0.23692405948524356 | 0.11872290200768788 | 0.23298969567651392 | 0.34250034276312785 | 0.36926801264749237 | 0.1822467345746914 | 0.16951337268064426 | 0.17351669167153894 | 0.16951337268064426 | 0.17351669167153894 | 0.17351669167153894 | 0.14306456095303147 | 0.5889828175113131 | 0.021349068078803504 Rentabilité ROA (rendement de l'actif) | 0.01616849089211553 | 0.012470793637631103 | 0.01616460834466482 | 0.014181647999382863 | 0.014501256425361387 | 0.01854313454212857 | 0.007883922288292948 | 0.007092017454618105 | 0.013424277485871085 | 0.012804772919886341 | 0.012804772919886341 | 0.017398664580816927 | 0.018573534464179725 | 0.020720351733213273 ROE ( rendement avoir des action.) | 0.19254983091364591 | 0.1271939622553386 | 0.1879498749021253 | 0.14559895728159106 | 0.1680458266550967 | 0.20816522668438317 | 0.09481754161529071 | 0.08446849810592559 | 0.16200253044124027 | 0.14321902315891402 | 0.14321902315891402 | 0.18678417782147982 | 0.20231433087630732 | 0.2334540945330806 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8886635835034999 | 0.860679006709034 | 0.894104148254797 | 0.8678308453664403 | 0.8820861030533907 | 0.9145257247864683 | 0.8923351042888511 | 0.8518941068722917 | 0.8894728611533587 | 0.8742902521344234 | 0.8742902521344234 | 0.8426242348035025 | 0.8222549367124287 | 0.8701934855721045 Rendement moyen des prêts | 0.08589862098799866 | 0.08893715156774118 | 0.08299545865700374 | 0.09939242317187073 | 0.0654482747982354 | 0.08474643072798307 | 0.07609584982290095 | 0.0595073358709039 | 0.07913494619422924 | 0.0788273284435848 | 0.0788273284435848 | 0.09596795073503067 | 0.08670811586837883 | 0.09653255555046658 Rendement moyen des prêts productifs | 0.10552870884454604 | 0.10368138598454345 | 0.1046072008028485 | 0.12423403445771236 | 0.08590593468087729 | 0.10582423467139783 | 0.09965577743923786 | 0.07144962549061415 | 0.09738041457047548 | 0.09286895347513731 | 0.09286895347513731 | 0.11747621163588289 | 0.10272105950728723 | 0.10065245187677198 Rémunération moyenne des dépôts | 0.006395837581269216 | 0.009523812489152763 | 0.006002193145708482 | 0.008229653440449092 | 0.006077212962581006 | 0.0050218503472347345 | 0.005951963754203808 | 0.007456133150984377 | 0.006003690507811597 | 0.007464132650801321 | 0.007464132650801321 | 0.012282762603193555 | 0.012096653394315681 | 0.007959520027080298 Dépenses d'exploitation en % du produit net bancaire | 0.5553736945786852 | 0.537784026936453 | 0.6305493155254529 | 0.6099348064477476 | 0.6350979167978958 | 0.6246110448243485 | 0.7946307408312852 | 0.8083234277621223 | 0.6507434355959172 | 0.6400812257592949 | 0.6400812257592949 | 0.5068533381221949 | 0.5972598218834595 | 0.5967340321275334 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8116.861956025807 | 5826.075426778043 | 6953.51707648294 | 5423.229483140097 | 6257.469811837238 | 5864.200743157895 | 6361.918509895227 | 5277.074524333124 | 6754.8363997558 | 5654.609610621538 | 5654.609610621538 | 6294.964816176287 | 5332.309882864483 | 4618.834684965689 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept. 22 | 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 | 0.4279393352416293 | 5036422 | 0.12017460014272037 | 5641672 | 0.03840191347529598 | 5858323 | 0.18497830525081502 | 4943823 | 0.16348325091306345 | 4249157 | -0.6351830731200387 | 11647368 | 0.33814454261764376 | 8704118 Avoirs à la BRH | 35766230 | -0.06759415236104001 | 33348642 | 0.06351856846224803 | 35466900 | 0.08500751404830983 | 38481853 | 0.20349147715429378 | 31975177 | 0.3722471870644091 | 23301324.5 | 0.32504281834348697 | 17585337 | 0.0849201335786557 | 16208877 Avoirs à l'étranger | 2660092 | 0.14529835810190023 | 3046599 | 0.35216154144342593 | 4119494 | 0.2042267812503186 | 4960805 | -0.13370522083177697 | 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 | 0.2579663849939642 | 677352 | -0.4712114233072317 | 358176 | 0.5212297864736889 | 544868 | 0.6701600370282954 | 326237 | 0.010631492501202811 | 322805.1 | 1.2212129365030762 | 145328.3 | -0.3054368969159375 | 209237 42491828 | -0.009009096996250666 | 42109015 | 0.08257678314251711 | 45586242 | 0.09344062623104576 | 49845849 | 0.15996921229553404 | 42971700 | 0.4598240549823882 | 29436218.6 | -0.07158968599891273 | 31706044.36 | 0.23631478575200868 | 25645608 Bons B.R.H. | 800000 | 0.875 | 1500000 | 0.06666666666666667 | 1600000 | -0.5 | 800000 | -0.2 | 1000000 | 0 | 0 | 0 | 1000000 | -0.8906506287588847 | 9145000 Bons du Trésor / M.E.F. | 20600000 | 0.0024271844660194173 | 20650000 | 0.09443099273607748 | 22600000 | 0.1415929203539823 | 25800000 | 0.425414364640884 | 18100000 | -0.05974025974025974 | 19250000 | 1.4367088607594938 | 7900000 | 0.85533114138093 | 4258000 Autres Placements | 15302454 | -0.03335438877973428 | 14792050 | 0.016053555795173757 | 15029515 | -0.0033311121483294705 | 14979450 | 0.24755154854898515 | 12007079 | 0.2674044107388846 | 9473755.099999998 | -0.36543955709456505 | 14929633.900000002 | 0.7192880637025094 | 8683614 Portefeuille net | 24192121 | -0.024650256998962596 | 23595779 | -0.014829220090593322 | 23245872 | -0.05215106578922916 | 22033575 | -0.09050578950008019 | 24226185 | 0.07321871539985783 | 22573390.35592 | 0.06277374111676708 | 21240071.6 | 0.3302674404738643 | 15966768 Immobilisations | 2959550 | 0.005080165633288794 | 2974585.0042 | -0.0010808237335495439 | 2971370.00213 | -3.028905856069231e-05 | 2971280.00213 | 0.07784804831394886 | 2756678 | 0.17694359185181194 | 2342234.59738 | 0.08320394453898708 | 2162320.96383 | 0.06163594854597922 | 2036781.97483 Autres actifs | 2513502 | 0.1845632110099773 | 2977402 | -0.10416698853564282 | 2667255 | 0.4413698727718197 | 3844501 | 0.5619335224689634 | 2461373 | 0.1317875118518498 | 2174766 | -0.1484376329179813 | 2553854.05 | 0.38801847137496676 | 1839928 108859455 | -0.0023941328366929946 | 108598831.0042 | 0.04697493472772935 | 113700254.00213 | 0.05782221911198931 | 120274655.00213 | 0.16181561174710765 | 103523015 | 0.21434102271599692 | 85250364.6533 | 0.046120395183805105 | 81491924.87383 | 0.20593534220412657 | 67575699.97483 PASSIF Dépôts À vue | 41016533 | -0.04164206175105049 | 39308520 | 0.057707056892500656 | 41576899 | 0.09639600586854734 | 45584746 | 0.17756926391991626 | 38710883 | 0.26396948283701815 | 30626438 | -0.010953071434270148 | 30965606.5 | 0.08565678266786488 | 28522464 Épargne | 30548090 | -0.00029681070076721655 | 30539023 | 0.07093216439831752 | 32705222 | 0.04340845018572263 | 34124905 | 0.1983036327610699 | 28477678 | 0.3670893355792935 | 20830883 | 0.017728688062133246 | 20468012 | 0.24824200024503779 | 16397471 À terme | 10924285 | 0.031196275088026356 | 11265082 | 0.05604317838076989 | 11896413 | 0.04102017978024132 | 12384406 | 0.1371531206732049 | 10890711 | 0.09190672717513747 | 9974030.5 | -0.061283532258609476 | 10625179 | 0.30258639649497987 | 8156986 82488908 | -0.016684461382371556 | 81112625 | 0.0624552466400884 | 86178534 | 0.06864265061645165 | 92094057 | 0.17949430932194144 | 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 | 0.40069087309510726 | 3970502 | 0.03794180181750318 | 4121150 | 0.07128107445737233 | 4414910 | 0.4966435854548364 | 2949874 | -0.006949027916427517 | 2970516.2 | 0.1518832783670273 | 2578834.38 | 0.7289418786136468 | 1491568 2834674 | 0.40069087309510726 | 3970502 | 0.03794180181750318 | 4121150 | 0.07128107445737233 | 4414910 | 0.4966435854548364 | 2949874 | -0.006949027916427517 | 2970516.2 | 0.1518832783670273 | 2578834.38 | 0.7289418786136468 | 1491568 Obligations à terme Banques locales | 7289925 | -0.06932650198733183 | 6784540 | -0.07316325056672965 | 6288161 | -0.028010256098722663 | 6112028 | -0.1785475006898046 | 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 | 0.02505924334758528 | 6030361 | 0.03064426822871798 | 6215157 | 0.04447755704320905 | 6491592 | 0.23621209339738986 | 5251196 | 0.2501588530488477 | 4200423 | 0.04185817408975263 | 4031664.87 | 0.17072312100307258 | 3443739 13172864 | -0.027174272808100045 | 12814901 | -0.024314116823844368 | 12503318 | 0.008022030632188992 | 12603620 | -0.006940672843980271 | 12691709 | 0.08878913526181767 | 11656719 | 0.3869174235742454 | 8404767.870000001 | 0.4904343339587244 | 5639140 Autres passifs | 1231467 | -0.0825016017481589 | 1129869 | 0.1375017811799421 | 1285228 | 0.02663807511196457 | 1319464 | 0.1996697749523574 | 1099856 | 0.08207320888518094 | 1016434 | -0.0701160802857828 | 1093076.22 | 0.05172552743773071 | 1039317 99727913 | -0.007019258489847271 | 99027897 | 0.05110007536563157 | 104088230 | 0.06094657388256098 | 110432051 | 0.16464061316730688 | 94820711 | 0.23023918954328607 | 77075020.7 | 0.039650986137723505 | 74135475.97 | 0.21043547167233448 | 61246946 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 2106357 | 0 | 2106357 | 0.01999803452121364 | 2148480 | -4.654453380994936e-07 | 2148479 | 0.019997559767883602 | 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 | 0.10916069696175455 | 4464577 | -0.00023137690311982525 | 4463544 | 0.051658726787503384 | 4694125 | 0.305393266363492 | 3595947 | -0.05339798541379569 | 3798795 | 0.17348280008908942 | 3237197 | 0.34169204549787546 | 2412772 9131542 | 0.04811805059868311 | 9570934 | 0.004293206911676541 | 9612024 | 0.02398870414805456 | 9842604 | 0.1310342640293881 | 8702304 | 0.06445722650936768 | 8175344 | 0.11131662995715223 | 7356448.9 | 0.16238502871181285 | 6328754 108859455 | -0.002394132875274821 | 108598831 | 0.046974934748607006 | 113700254 | 0.05782221911307252 | 120274655 | 0.1618156117265325 | 103523015 | 0.21434102205078304 | 85250364.7 | 0.04612039580603415 | 81491924.87 | 0.20593534169827327 | 67575700 Hors-bilan Effets à l'encaissement | 1242730 | 1303025 | 1442315 | 1464704 | 1211933 | 820292.2 | 1146373 | 815323 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 355824 | 244921 Autres | 4628093 | 4696508 | 5454403 | 4662878 | 4577443 | 3804475.364544665 | 7735704.5 | 10588763 Portefeuille brut | 27608895 | -0.018962004817650254 | 27085375 | -0.010089799384354102 | 26812089 | -0.04323378159754729 | 25652901 | -0.06243855144168766 | 27361301 | 0.11144233190052834 | 24617832.35592 | 0.10495716369595375 | 22279445 | 0.3498143020023007 | 16505563 Provisions pour créances douteuses | 3416774 | 0.02131308655474433 | 3489596 | 0.021956982985996087 | 3566217 | 0.014892251368887536 | 3619326 | 0.1544472357641631 | 3135116 | 0.5334824856855808 | 2044442 | 0.9669947297092651 | 1039373.4 | 0.929070240072755 | 538795 Portefeuille de crédit improductif | 5580256 | 0.024957457148919334 | 5719525 | 0.24409457079040656 | 7115630 | -0.25687830873724465 | 5287779 | 0.13835363675916462 | 4645111 | 0.4452543275698777 | 3214044 | -0.40172615463689204 | 5372195.4 | 6.971704446304244 | 673908 3489596.119448055 | 5757193.1754 [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 | 5036422 | 0.04637639239233818 | 5641672 | 0.049618816154045814 | 5858323 | 0.048707876151432336 | 4943823 | 0.047755786478977644 | 4249157 | 0.04984327066846766 | 11647368 | 0.14292665215643213 | 8704118 | 0.12880544342481148 Avoirs à la BRH | 35766230 | 0.3285541894362782 | 33348642 | 0.30708104029876954 | 35466900 | 0.31193334009030077 | 38481853 | 0.3199498098690743 | 31975177 | 0.3088702256208438 | 23301324.5 | 0.2733281504983922 | 17585337 | 0.21579238712579835 | 16208877 | 0.23986250983766855 Avoirs à l'étranger | 2660092 | 0.0244360216574665 | 3046599 | 0.0280536997666409 | 4119494 | 0.03623117675641101 | 4960805 | 0.04124563899112533 | 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 | 677352 | 0.006237194210440477 | 358176 | 0.0031501776591747114 | 544868 | 0.004530197987184837 | 326237 | 0.003151347553005484 | 322805.1 | 0.0037865538911510607 | 145328.3 | 0.001783346021400338 | 209237 | 0.003096334926281707 42491828 | 0.3903365858298666 | 42109015 | 0.3877483266681891 | 45586242 | 0.4009335106599323 | 49845849 | 0.4144335229988168 | 42971700 | 0.41509320415368506 | 29436218.6 | 0.3452914098339935 | 31706044.36 | 0.3890697686806261 | 25645608 | 0.3795093207995219 Bons B.R.H. | 800000 | 0.0073489252724992975 | 1500000 | 0.013812303374996627 | 1600000 | 0.014072088176425942 | 800000 | 0.006651442899468989 | 1000000 | 0.0096596877515594 | 0 | 0 | 1000000 | 0.012271154492279468 | 9145000 | 0.1353297117663043 Bons du Trésor / M.E.F. | 20600000 | 0.1892348257668569 | 20650000 | 0.19014937646245358 | 22600000 | 0.19876824549201644 | 25800000 | 0.21450903350787492 | 18100000 | 0 | 19250000 | 0 | 7900000 | 0 | 4258000 | 0 Autres Placements | 15302454 | 0.14057073866482245 | 14792050 | 0.13620818809207924 | 15029515 | 0.1321854127055727 | 14979450 | 0.12454369542556344 | 12007079 | 0.11598463394830609 | 9473755.099999998 | 0.11112861673411356 | 14929633.900000002 | 0.18320384410007287 | 8683614 | 0.12850202074465222 Portefeuille net | 24192121 | 0.22223261176532622 | 23595779 | 0.21727470527824969 | 23245872 | 0.2044487253261943 | 22033575 | 0.18319383247958432 | 24226185 | 0.23401738251151205 | 22573390.35592 | 0.2647893700833125 | 21240071.6 | 0.26064020003067756 | 15966768 | 0.23627972785997275 Immobilisations | 2959550 | 0.02718688973778162 | 2974585.0042 | 0.02739058032848401 | 2971370.00213 | 0.026133362921725186 | 2971280.00213 | 0.02470412409062724 | 2756678 | 0.02662864871159326 | 2342234.59738 | 0.027474775115690176 | 2162320.96383 | 0.026534174609052573 | 2036781.97483 | 0.0301407454985837 Autres actifs | 2513502 | 0.02308942296284691 | 2977402 | 0.027416519795547805 | 2667255 | 0.02345865471813311 | 3844501 | 0.03196434859806429 | 2461373 | 0.023776094620119013 | 2174766 | 0.025510342493483 | 2553854.05 | 0.03133873759828361 | 1839928 | 0.027227657289311397 108859455 | 1 | 108598831.0042 | 1 | 113700254.00213 | 1 | 120274655.00213 | 1 | 103523015 | 1 | 85250364.6533 | 1 | 81491924.87383 | 1 | 67575699.97483 | 1 PASSIF Dépôts À vue | 41016533 | 0.37678429494250176 | 39308520 | 0.36196080230808164 | 41576899 | 0.36567111801897223 | 45584746 | 0.37900541888224676 | 38710883 | 0.373935042367149 | 30626438 | 0.35925286800300466 | 30965606.5 | 0.37998374130863327 | 28522464 | 0.42208166560795957 Épargne | 30548090 | 0.28061953828447883 | 30539023 | 0.28120950030133307 | 32705222 | 0.287644229883491 | 34124905 | 0.2837248213216298 | 28477678 | 0.2750854773694526 | 20830883 | 0.2443494885296499 | 20468012 | 0.2511661374018301 | 16397471 | 0.24265336513136504 À terme | 10924285 | 0.10035219265060623 | 11265082 | 0.10373115341880917 | 11896413 | 0.10462960794948742 | 12384406 | 0.10296771169105144 | 10890711 | 0.10520086765247322 | 9974030.5 | 0.11699692477050196 | 10625179 | 0.13038321301712347 | 8156986 | 0.1207088643260557 82488908 | 0.7577560258775868 | 81112625 | 0.7469014560282239 | 86178534 | 0.7579449558519507 | 92094057 | 0.765697951894928 | 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 | 3970502 | 0.03656118545002057 | 4121150 | 0.036245741367673605 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146 | 2578834.38 | 0.031645275086981735 | 1491568 | 0.02207254975613373 2834674 | 0.02603975924737084 | 3970502 | 0.03656118545002057 | 4121150 | 0.036245741367673605 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146 | 2578834.38 | 0.031645275086981735 | 1491568 | 0.02207254975613373 Obligations à terme Banques locales | 7289925 | 0.06696639258390555 | 6784540 | 0.06247341649319975 | 6288161 | 0.05530472253722671 | 6112028 | 0.05081725655244456 | 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 | 6030361 | 0.05552878372849869 | 6215157 | 0.05466264833395683 | 6491592 | 0.05397306689331212 | 5251196 | 0.050724913682237714 | 4200423 | 0.049271613289661204 | 4031664.87 | 0.04947318248086582 | 3443739 | 0.05096120352852717 13172864 | 0.12100799145099524 | 12814901 | 0.11800220022169844 | 12503318 | 0.10996737087118354 | 12603620 | 0.10479032344575669 | 12691709 | 0.1225979459736562 | 11656719 | 0.1367351218661183 | 8404767.870000001 | 0.10313620500451665 | 5639140 | 0.08344922808199422 Autres passifs | 1231467 | 0.011312448698186116 | 1129869 | 0.010404062268002709 | 1285228 | 0.011303651089257226 | 1319464 | 0.010970424317381188 | 1099856 | 0.010624265531679115 | 1016434 | 0.011922928472314215 | 1093076.22 | 0.01341330716745686 | 1039317 | 0.015380040464059056 99727913 | 0.916116225274139 | 99027897 | 0.9118689039679456 | 104088230 | 0.915461719180065 | 110432051 | 0.9181656018721842 | 94820711 | 0.9159384606408536 | 77075020.7 | 0.9041019474045905 | 74135475.97 | 0.9097278789865421 | 61246946 | 0.9063457133675673 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.027558469771872367 | 3000000 | 0.027624606749993254 | 3000000 | 0.02638516533079864 | 3000000 | 0.024942910873008713 | 3000000 | 0.028979063254678198 | 3000000 | 0.03519046531003749 | 3000000 | 0.03681346347683841 | 3000000 | 0.044394656675660234 Réserves | 2106357 | 0.019349325237757252 | 2106357 | 0.019395761266698515 | 2148480 | 0.018896000003304755 | 2148479 | 0.017863106736510294 | 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 | 4464577 | 0.04111072797668821 | 4463544 | 0.0392571154670981 | 4694125 | 0.03902838050058734 | 3595947 | 0.034735725191156766 | 3798795 | 0.04456045455581462 | 3237197 | 0.03972414450894362 | 2412772 | 0.03570472819221537 9131542 | 0.08388377472586098 | 9570934 | 0.08813109599337998 | 9612024 | 0.08453828080120149 | 9842604 | 0.08183439811010634 | 8702304 | 0.08406153935914637 | 8175344 | 0.0958980531432077 | 7356448.9 | 0.09027212096645935 | 6328754 | 0.0936542870049038 108859455 | 1 | 108598831 | 0.9999999999613256 | 113700254 | 0.9999999999812665 | 120274655 | 0.9999999999822905 | 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) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 4324942 | 1533381 | 5858323 | 0.7382559821300396 | 2865754 | 2078069 | 4943823 | 0.579663551870688 Avoirs à la BRH | 16813363 | 21668490 | 38481853 | 0.4369166682280087 | 14451675 | 17523502 | 31975177 | 0.4519654418175699 Avoirs à l'étranger | 4960805 | 0 | 4960805 | 0 | 5726463 | 0 | 5726463 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 132838 | 412030 | 544868 | 0.24379849798483302 | 45473 | 280764 | 326237 | 0.1393863970058577 26231948 | 23613901 | 49845849 | 0.5262614345278781 | 23089365 | 19882335 | 42971700 | 0.5373156053868011 Bons B.R.H. | 0 | 800000 | 800000 | 0 | 0 | 1000000 | 1000000 | 0 Bons du Trésor / M.E.F. | 0 | 25800000 | 25800000 | 0 | 0 | 18100000 | 18100000 | 0 Autres Placements | 14884357 | 95093 | 14979450 | 0.9936517695910063 | 11641087 | 365992 | 12007079 | 0.9695186481241608 Portefeuille net | 4618612 | 17414963 | 22033575 | 0.20961700495720736 | 4577240 | 19648945 | 24226185 | 0.18893771346994997 Immobilisations | 0 | 2971280.00213 | 2971280.00213 | 0 | 0 | 2756678 | 2756678 | 0 Autres actifs | 1632967 | 2211534 | 3844501 | 0.4247539537640906 | 223958 | 2237415 | 2461373 | 0.09098905367045142 47367884 | 72906771.00213 | 120274655.00213 | 0.39383096961833847 | 39531650 | 63991365 | 103523015 | 0.38186339530393315 PASSIF Dépôts À vue | 21445290 | 24139456 | 45584746 | 0.4704488207524508 | 18103996 | 20606887 | 38710883 | 0.4676719980786798 Épargne | 15486304 | 18638601 | 34124905 | 0.45381236958754906 | 12409400 | 16068278 | 28477678 | 0.43575884241685714 À terme | 6410528 | 5973878 | 12384406 | 0.5176290247590397 | 5500311 | 5390400 | 10890711 | 0.5050460892773667 43342122 | 48751935 | 92094057 | 0.4706288702212348 | 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 | 886670 | 3528240 | 4414910 | 0.2008353511170103 | 1231479 | 1718395 | 2949874 | 0.41746833932567967 886670 | 3528240 | 4414910 | 0.2008353511170103 | 1231479 | 1718395 | 2949874 | 0.41746833932567967 Obligations à terme Banques locales | 0 | 6112028 | 6112028 | 0 | 0 | 7440513 | 7440513 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3142479 | 3349113 | 6491592 | 0.48408448959823724 | 2308098 | 2943098 | 5251196 | 0.43953758343813487 3142479 | 9461141 | 12603620 | 0.2493314619133233 | 2308098 | 10383611 | 12691709 | 0.18185872367543252 Autres passifs | 0 | 1319464 | 1319464 | 0 | 0 | 1099856 | 1099856 | 0 47371271 | 63060780 | 110432051 | 0.428963064355293 | 39553284 | 55267427 | 94820711 | 0.417137601931713 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 2148479 | 2148479 | 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 | 4694125 | 4694125 | 0 | 0 | 3595947 | 3595947 | 0 0 | 9842604 | 9842604 | 0 | 0 | 8702304 | 8702304 | 0 47371271 | 72903384 | 120274655 | 0.3938591301716891 | 39553284 | 63969731 | 103523015 | 0.38207237298875035 *Converties au taux de 117,7047 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 | -0.038647450678263 | 567422.00307 | -0.2229116918900944 | 440937.00434999994 | 0.13178525521045908 | 499046 | 517779.10191 | 0.08201934172959668 | 560247.00301 | -0.015104054416242787 | 551785.00179 | -0.24086917810169572 | 418877.00192 Intérêts sur bons B.R.H. | 24419 | 0.057987632581186783 | 25835 | 0.5000580607702729 | 38754 | -0.129973680136244 | 33717 | 15446 | 0.43467564417972293 | 22160 | -0.8189530685920577 | 4012 | 1.048604187437687 | 8219 Autres | 538349 | 0.05110811016645336 | 565863 | 0.056916603488830333 | 598070 | 0.16901366060829 | 699152 | 537689.6 | -0.1389725596329183 | 462965.5 | 0.09951605465202051 | 509038 | 0.048188936778786655 | 533568 1153001.00398 | 0.005307019741420968 | 1159120.00307 | -0.07019031550185982 | 1077761.00435 | 0.1430317064987618 | 1231915 | 1070914.7019099998 | -0.02385082477105298 | 1045372.50301 | 0.01861776421702376 | 1064835.0017900001 | -0.09782830175086986 | 960664.00192 Dépenses d'intérêt | 128371 | -0.04381830787327356 | 122746 | 0.03533312694507357 | 127083 | 0.043680114570792315 | 132634 | 149200.9 | -0.07396000962460679 | 138166 | -0.34125617011421044 | 91016 | 0.5632416278456535 | 142280 1024630.00398 | 0.011461697436520988 | 1036374.0030700001 | -0.08268829444403947 | 950678.0043500001 | 0.1563126473632922 | 1099281 | 921713.8019099998 | -0.01573948319959776 | 907206.50301 | 0.07342594939408838 | 973819.0017900001 | -0.15961384978552623 | 818384.00192 AUTRES REVENUS Commissions | 189598 | 0.03184105317566641 | 195635 | 0.01582027755769673 | 198730 | -0.049413777487042725 | 188910 | 181291 | -0.250315790634946 | 135911 | 0.5368660373332549 | 208877 | -0.16704089009321274 | 173986 Gains sur change | 70049 | -0.012377050350468958 | 69182 | 0.2519152380677055 | 86610 | -0.2871146518877728 | 61743 | 102859 | -0.3762529287665639 | 64158 | -1.1168209732223573 | -7495 | 7.656437625083389 | 49890 Autres | 288365 | -0.9186655800808003 | 23454 | 0.39353628378954547 | 32684 | -0.501652184555134 | 16288 | 14699 | 0.043132185862983875 | 15333 | 0.4714667710167612 | 22562 | -0.5046538427444376 | 11176 548012 | -0.47396954811208514 | 288271 | 0.10321190823912221 | 318024 | -0.16062624204462556 | 266941 | 298849 | -0.2792279713166181 | 215402 | 0.039656084901718645 | 223944 | 0.04960168613581967 | 235052 PRODUIT NET BANCAIRE | 1572642.00398 | -0.15769450407809013 | 1324645.00307 | -0.04223244611978788 | 1268702.00435 | 0.07686595852740283 | 1366222 | 1220562.80191 | -0.08025338700041969 | 1122608.50301 | 0.06694631171819171 | 1197763.0017900001 | -0.12049712643846094 | 1053436.00192 Dotation à la provision pour créances douteuses | 270000 | 0 | 50000 | 0 | 60000 | 0 | 50000 | 300000 | 0 | 125000 | 0 | 0 | 0 | 20000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1302642.00398 | -0.021492475157763907 | 1274645.00307 | -0.05173440335244355 | 1208702.00435 | 0.0889549245910456 | 1316222 | 920562.8019099999 | 0.08369412813568439 | 997608.5030100001 | 0.2006343151407498 | 1197763.0017900001 | -0.1371949205514123 | 1033436.00192 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 559167 | 0.02486913569649139 | 573073 | -0.16152392452619474 | 480508 | 0.5128156034863103 | 726920 | 449884.1 | 0.0737298784286887 | 483054 | 0.10707912572921453 | 534779 | 0.03950603894318962 | 555906 Frais de locaux | 26582 | 0.06944548942893687 | 28428 | -0.05287040945546644 | 26925 | 0.06384401114206129 | 28644 | 25493 | 0.044247440473855565 | 26621 | -0.0778708538371962 | 24548 | 0.09772690239530715 | 26947 Amortissement | 39516 | -0.009717582751290617 | 39132 | -0.003526525605642441 | 38994 | -0.06857465251064267 | 36320 | 38684 | 0.02391169475752249 | 39609 | -0.0028528869701330505 | 39496 | -0.01106441158598339 | 39059 Autres dépenses d'exploitation | 248139 | -0.21567750333482444 | 194621 | 0.3324512770975383 | 259323 | 0.13278806739086005 | 293758 | 142338.07874 | -0.04850479085509678 | 135434 | 0.10247795974422966 | 149313 | 0.537742862309377 | 229605 873404 | -0.043679671721219504 | 835254 | -0.03532338665842965 | 805750 | 0.347368290412659 | 1085642 | 656399.17874 | 0.04314268234515432 | 684718 | 0.0926191512418251 | 748136 | 0.13818476854475656 | 851517 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 429238.00398000004 | 0.023653541848249592 | 439391.0030700001 | -0.082930689216217 | 402952.00435000006 | -0.4277730411790667 | 230580 | 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 | 0.023653541848249592 | 439391.0030700001 | -0.082930689216217 | 402952.00435000006 | -0.4277730411790667 | 230580 | 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.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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 | 567422.00307 | 0.012806851302106693 | 560247.00301 | 440937.00434999994 | -0.2008898340484197 | 551785.00179 | 499046 | 0.19139030720839434 | 418877.00192 | 2097638.0114 | 0.023893291791855075 | 2048688.10863 | 2048688.10863 Intérêts sur bons B.R.H. | 24419 | 0.5809271008675385 | 15446 | 25835 | 0.1658393501805054 | 22160 | 38754 | 8.659521435692922 | 4012 | 33717 | 3.1023238836841465 | 8219 | 122725 | 1.4625278407608804 | 49837 | 49837 Autres | 538349 | 0.001226358106982213 | 537689.6 | 565863 | 0.22225738202954648 | 462965.5 | 598070 | 0.1749024630774127 | 509038 | 699152 | 0.31033345328055656 | 533568 | 2401434 | 0.17529472860810588 | 2043261.1 | 2043261.1 1153001.00398 | 0.07665064446645237 | 1070914.7019099998 | 1159120.00307 | 0.10881049552430404 | 1045372.50301 | 1077761.00435 | 0.012138972271075963 | 1064835.0017900001 | 1231915 | 0.28235782493970113 | 960664.00192 | 4621797.0114 | 0.11589463545217031 | 4141786.20863 | 4141786.20863 Dépenses d'intérêt | 128371 | -0.13960974766238002 | 149200.9 | 122746 | -0.11160488108507158 | 138166 | 127083 | 0.3962709853212622 | 91016 | 132634 | -0.06779589541748665 | 142280 | 510834 | -0.018877665376196427 | 520662.9 | 520662.9 1024630.00398 | 0.11165743841172232 | 921713.8019099998 | 1036374.0030700001 | 0.14237938069385325 | 907206.50301 | 950678.0043500001 | -0.02376314017026166 | 973819.0017900001 | 1099281 | 0.34323373553367525 | 818384.00192 | 4110963.0114 | 0.13527285900554548 | 3621123.30863 | 3621123.30863 AUTRES REVENUS Commissions | 189598 | 0.04582135903050896 | 181291 | 195635 | 0.43943463001523053 | 135911 | 198730 | -0.04857882868865409 | 208877 | 188910 | 0.08577701654156082 | 173986 | 772873 | 0.1040017712640969 | 700065 | 700065 Gains sur change | 70049 | -0.3189803517436491 | 102859 | 69182 | 0.07830668038280494 | 64158 | 86610 | 12.555703802535023 | -7495 | 61743 | 0.2375826819001804 | 49890 | 287584 | 0.3732928389968101 | 209412 | 209412 Autres | 288365 | 18.6180012245731 | 14699 | 23454 | 0.5296419487380161 | 15333 | 32684 | 0.4486304405637798 | 22562 | 16288 | 0.4574087329992842 | 11176 | 360791 | 4.657691704563274 | 63770 | 63770 548012 | 0.8337421239488839 | 298849 | 288271 | 0.33829305206079796 | 215402 | 318024 | 0.42010502625656415 | 223944 | 266941 | 0.13566785221993433 | 235052 | 1421248 | 0.4603158293834967 | 973247 | 973247 PRODUIT NET BANCAIRE | 1572642.00398 | 0.28845644117537284 | 1220562.80191 | 1324645.00307 | 0.17997057702510585 | 1122608.50301 | 1268702.00435 | 0.05922624296625038 | 1197763.0017900001 | 1366222 | 0.29691979152973136 | 1053436.00192 | 5532211.0114 | 0.2041282351595329 | 4594370.30863 | 4594370.30863 Dotation à la provision pour créances douteuses | 270000 | -0.1 | 300000 | 50000 | -0.6 | 125000 | 60000 | 0 | 0 | 50000 | 1.5 | 20000 | 430000 | -0.033707865168539325 | 445000 | 445000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1302642.00398 | 0.4150495775815137 | 920562.8019099999 | 1274645.00307 | 0.27770062025746683 | 997608.5030100001 | 1208702.00435 | 0.009132860627396332 | 1197763.0017900001 | 1316222 | 0.27363668147289005 | 1033436.00192 | 5102211.0114 | 0.2296350125194298 | 4149370.30863 | 4149370.30863 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 559167 | 0.24291345259812477 | 449884.1 | 573073 | 0.18635390660257445 | 483054 | 480508 | -0.10148304252784796 | 534779 | 726920 | 0.30763114627293103 | 555906 | 2339668 | 0.1561777487121984 | 2023623.1 | 2023623.1 Frais de locaux | 26582 | 0.042717608755344603 | 25493 | 28428 | 0.06787874234626798 | 26621 | 26925 | 0.09683069903861821 | 24548 | 28644 | 0.06297547036775894 | 26947 | 110579 | 0.06727214817245607 | 103609 | 103609 Amortissement | 39516 | 0.02150760004136077 | 38684 | 39132 | -0.012042717564189957 | 39609 | 38994 | -0.012710147863074742 | 39496 | 36320 | -0.07012468317161218 | 39059 | 153962 | -0.01839997959808222 | 156848 | 156848 Autres dépenses d'exploitation | 248139 | 0.7433072175525137 | 142338.07874 | 194621 | 0.43701729255578364 | 135434 | 259323 | 0.7367744268750879 | 149313 | 293758 | 0.2794059362818754 | 229605 | 995841 | 0.5164550710294472 | 656690.07874 | 656690.07874 873404 | 0.3305988616203856 | 656399.17874 | 835254 | 0.21985109198239275 | 684718 | 805750 | 0.07701006234160634 | 748136 | 1085642 | 0.2749504707480884 | 851517 | 3600050 | 0.22418610812439416 | 2940770.1787400004 | 2940770.1787400004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 429238.00398000004 | 0.6248944454542408 | 264163.6231699999 | 439391.0030700001 | 0.4042963875319571 | 312890.5030100001 | 402952.00435000006 | -0.10380826163505141 | 449627.0017900001 | 230580 | 0.26748716498235314 | 181919.00191999995 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | 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 | 439391.0030700001 | 0.4042963875319571 | 312890.5030100001 | 402952.00435000006 | -0.10380826163505141 | 449627.0017900001 | 230580 | 0.26748716498235314 | 181919.00191999995 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | 1208600.1298899995 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 2097638.0114 | 0.023893291791855075 | 2048688.10863 | 2048688.10863 | -0.08960054117248659 | 2250317.80145 | 0.33828995048545685 | 1681487.48381 | 0.1276296356619298 | 1491170 Intérêts sur Bons B.R.H. | 122725 | 1.4625278407608804 | 49837 | 49837 | -0.9233885335983947 | 650516.2 | 0.017800822669247148 | 639139 | -0.46289621697299016 | 1189973 Autres | 2401434 | 0.17529472860810588 | 2043261.1 | 2043261.1 | 0.06519383556337942 | 1918205.8999799998 | 0.20096295870232778 | 1597223.2 | 2.4592371682834226 | 461727 4621797.0114 | 0.11589463545217031 | 4141786.20863 | 4141786.20863 | -0.14053705855372392 | 4819039.90143 | 0.23002164206147308 | 3917849.6838100003 | 0.24658343609821606 | 3142870 Dépenses d'intérêt | 510834 | -0.018877665376196427 | 520662.9 | 520662.9 | -0.3134719978383124 | 758400.092 | 0.08906314216160972 | 696378.44 | 0.7069563320382874 | 407965 4110963.0114 | 0.13527285900554548 | 3621123.30863 | 3621123.30863 | -0.10823823865867468 | 4060639.8094299994 | 0.26049233474687894 | 3221471.2438100004 | 0.17790974231646084 | 2734905 AUTRES REVENUS Commissions | 772873 | 0.1040017712640969 | 700065 | 700065 | 0.1670704633389687 | 599848.1 | -0.039636090008885655 | 624605 | 0.04938769407048617 | 595209 Gains sur change | 287584 | 0.3732928389968101 | 209412 | 209412 | -0.2906239340067391 | 295205.9 | 0.46924891625149945 | 200923 | -0.26697993090188726 | 274103 Autres | 360791 | 4.657691704563274 | 63770 | 63770 | -0.4449973389985322 | 114900.35 | 0.10264817089555109 | 104204 | 0.06570940590515346 | 97779 1421248 | 0.4603158293834967 | 973247 | 973247 | -0.03634555363814214 | 1009954.35 | 0.08628545645411793 | 929732 | -0.03863028401670577 | 967091 PRODUIT NET BANCAIRE | 5532211.0114 | 0.2041282351595329 | 4594370.30863 | 4594370.30863 | -0.09391874715793326 | 5070594.159429999 | 0.22147576536777225 | 4151203.2438100004 | 0.12134190415386736 | 3701996 Dotation à la provision pour créances douteuses | 430000 | -0.033707865168539325 | 445000 | 445000 | -0.5761904761904761 | 1050000 | 2.652173913043478 | 287500 | 0.9166666666666666 | 150000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5102211.0114 | 0.2296350125194298 | 4149370.30863 | 4149370.30863 | 0.0320291340268617 | 4020594.159429999 | 0.040606357610759064 | 3863703.2438100004 | 0.08775551656308182 | 3551996 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2339668 | 0.1561777487121984 | 2023623.1 | 2023623.1 | 0.18883419206961014 | 1702191.2 | 0.11924792883487405 | 1520834.8 | 0.09542134726251772 | 1388356 Frais de locaux | 110579 | 0.06727214817245607 | 103609 | 103609 | -0.1889801685303108 | 127751.5 | 0.16575840476846615 | 109586.6 | 0.11727294971656953 | 98084 Amortissement | 153962 | -0.01839997959808222 | 156848 | 156848 | 0.45031554127464807 | 108147.5 | 0.12867624037237263 | 95818 | -0.22049120980141718 | 122921 Autres dépenses d'exploitation | 995841 | 0.5164550710294472 | 656690.07874 | 656690.07874 | 0.03913666286755085 | 631957.37597 | -0.16086698435658936 | 753107.51 | 0.2557107675582663 | 599746 3600050 | 0.22418610812439416 | 2940770.1787400004 | 2940770.1787400004 | 0.14424736967372298 | 2570047.57597 | 0.03658248291280867 | 2479346.91 | 0.12232993241160349 | 2209107 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | 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) | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | 1208600.1298899995 | -0.16679674843181033 | 1450546.583459999 | 0.047813014636073604 | 1384356.3338100002 | 0.030879196873308378 | 1342889 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.sept. 22 | 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 | 0.04597891413234523 | 5250467.3602 | 0.026693928018577524 | 5390622.95797707 | 0.049026984226555693 | 5654908.94470912 | 0.13091239986930125 | 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 | 0.019532213648871196 | 307815.1988900001 | 0.19254343557690695 | 367082.99480706966 | -0.1550117016394514 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002 | -0.7715706289926039 | 735168.3774700001 | 0.0907127934329119 | 674025.62975 Dépôts | 4211935.7594 | 0.018814079883138726 | 4291179.45524 | 0.031795321776485516 | 4427618.88682 | 0.05941451811335514 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 | 0.1726374357804065 | 3500425.74977 | -0.13847968195698723 | 4063079.73992 | 0.3073311424728687 | 3107919.33881 Avoir des Actionnaires | -370377.00749 | 0.20468594115428945 | -294566.04113 | -0.043079813753546865 | -307255.89132000005 | -0.14233610174931474 | -350989.49713 | -0.004444980957996317 | -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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 37831.35607000001 | 0.1740621498825754 | 32222.617920000008 | 44081.29787 | 0.19558743655311378 | 36869.990869999994 | 42130.54218999999 | 0.10349559712952924 | 38179.166549999994 | 43374.006330000004 | 0.23822373944336883 | 35029.21560000001 | 167417.20245999997 | 0.1765006087033504 | 142300.99094000002 Autres revenus | 3306.84647 | -0.6264320818276756 | 8852.062259999999 | 8307.09132 | 0.017437587464208315 | 8164.71833 | 11717.30542 | 0.6185426233899073 | 7239.41727 | 23086.17564 | 6.0599608993801874 | 3270.0146600000003 | 46417.41885 | 0.6862987894274966 | 27526.21252 Dot. à la prov. pr créances douteuses | 9000 | -0.25 | 12000 | 9000 | -0.25 | 12000 | 9002.51826 | -0.24979014499999994 | 12000 | 9000 | -0.25 | 12000 | 36002.51826 | -0.24994753625000007 | 48000 Dépenses d'exploitation | 53063.84955 | 0.07751504182489309 | 49246.504680000005 | 47717.08526 | -0.04454333305052198 | 49941.65294 | 57535.17954 | 0.17919051874607894 | 48792.098159999994 | 63091.775799999996 | 0.19760760937006558 | 52681.50879 | 221407.89015 | 0.10338853355773597 | 200661.76457000003 Bénéfice (perte) net | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | -4328.696069999998 | 0.7439693337502052 | -16906.943740000002 | -12689.850189999997 | 0.17456412962242723 | -15373.514340000002 | -5631.593829999991 | 0.7865387622378349 | -26382.27852999999 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001 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. 21-sept 22) | (oct. 20-sept. 21) | 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 | -0.05610282302922067 | -0.0716250148818382 | -0.05699821592332317 | -0.07169912346691097 | -0.062068107649796 | -0.06988296413271866 | -0.062068107649796 | -0.06988296413271866 | -0.06988296413271866 | -0.07142906262228461 | -0.00902979766844721 | -0.012240035553017318 Dépôts en % de l'actif | 0.8390864450292649 | 0.8148467661838688 | 0.8172947588948617 | 0.8186713604882353 | 0.8213556988377361 | 0.8287333792379387 | 0.8294888167489815 | 0.8208956876052808 | 0.8294888167489815 | 0.8208956876052808 | 0.8208956876052808 | 0.8151621272007507 | 0.8471801608916704 | 0.8932112252340423 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.8512048658350672 | 0.8152612253293816 | 0.8566284546641875 | 0.8282275368390069 | 0.8593509453446603 | 0.7907045560591718 | 0.8837942060835163 | 0.8479007695801347 | 0.8837942060835163 | 0.8479007695801347 | 0.8479007695801347 | 0.8186232390920686 | 0.7961267802538988 | 0.6268121401473538 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.8936029231728382 | 1.020043731311471 | 0.8868347282651149 | 0.9890083138436083 | 0.8462386358091112 | 0.9936389199097487 | 0.8711693742290048 | 0.8961444012475123 | 0.8711693742290048 | 0.8961444012475123 | 0.8961444012475123 | 1.031441875855655 | 0.5864595640785304 | 0.7743802133956389 Prêts improductifs nets en % de l'avoir des actionnaires | 0.3084294049302841 | 0.05786900665529772 | 0.4215385944478241 | -0.03159475345519711 | 0.5787125377208372 | -0.017656264458041 | 0.43736044774056343 | -0.3145075045865524 | 0.43736044774056343 | -0.3145075045865524 | -0.3145075045865524 | 0.0905450304367197 | -10.483773688937786 | -4.349259319139152 Rentabilité ROA (rendement de l'actif) | -0.016707144687341653 | -0.01830541585449488 | -0.00337187055575921 | -0.014789636562890783 | -0.00954026312008516 | -0.01300475364812358 | -0.004078821286011897 | -0.021462729209159464 | -0.008179240704489846 | -0.01696378627100233 | -0.01696378627100233 | -0.01384151012519602 | -0.00017349300779253164 | 0.0012168757659851144 ROE (rendement avoir des action.) | -0.23256750567330567 | -0.2598636870561391 | -0.05207899929455463 | -0.2095531725646275 | -0.16868577904218246 | -0.1814712405043372 | -0.0684437011341434 | -0.3032502690607328 | -0.12442656964191413 | -0.24028951709875565 | -0.24028951709875565 | -0.35945502947495706 | 0.01671486341039895 | -0.09231568540463884 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7892105191389053 | 0.6236424772342565 | 0.8140863005258641 | 0.7318092076476035 | 0.804125909768196 | 0.7546998175593943 | 0.8072015395866203 | 0.7597660660389763 | 0.8040760696012017 | 0.7160007339410267 | 0.7160007339410267 | 0.6270836139314504 | 0.6364740199698565 | 0.6211145821246524 Rendement moyen des prêts | 0.019014571024067263 | 0.036068292592882474 | 0.020488325721886975 | 0.030785522958194422 | 0.01843891047492803 | 0.0295292166594282 | 0.016115680018635756 | 0.02124883778780394 | 0.0184541692292859 | 0.02910772446253817 | 0.02910772446253817 | 0.03294439579726986 | 0.0443433210471552 | 0.051528077885118886 Rendement moyen des prêts productifs | 0.12639438934139802 | 0.19700428660106364 | 0.14027096031563313 | 0.17280556392144925 | 0.12987277369971886 | 0.15454946294665925 | 0.1254959725292135 | 0.11783191176656298 | 0.1382750432870205 | 0.1756920006057282 | 0.1756920006057282 | 0.16981827014559475 | 0.15485699467589883 | 0.1501073122869796 Rémunération moyenne des dépôts | 0.009719606946130055 | 0.0216522155731742 | 0.00947124874203056 | 0.01447125142049041 | 0.009416366180181922 | 0.012742361755426663 | 0.009089230227218534 | 0.010925372085006697 | 0.009276072555108485 | 0.014843405159227984 | 0.014843405159227984 | 0.022461311082748087 | 0.018361007040223812 | 0.02046125980401867 Dépenses d'exploitation en % du produit net bancaire | 1.2898922722353827 | 1.1989504109146782 | 0.9108332208295561 | 1.1089591523331077 | 1.068476867575209 | 1.0742760794429367 | 0.9493169282696141 | 1.375523957854081 | 1.0354164764976057 | 1.181564322333451 | 1.181564322333451 | 1.2216681302844923 | 0.9062650763599059 | 0.8415071941828338 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1228.0060459701494 | 1283.5837556250003 | 1611.9504366153847 | 1364.6881575757575 | 1656.8568495384613 | 1326.0900385401458 | 2101.50773027668 | 1110.1226162318844 | 1638.5794736398464 | 1276.8962666165414 | 1276.8962666165414 | 1360.743204496124 | 1403.7325599610897 | 1219.1182222222224 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept. 22 | 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 | 0.1801674531189154 | 349485.22975 | 0.02042786141522188 | 356624.46559 | 0.9934477772686341 | 710912.24825 | 1.2839135849939394 | 311269.32863 | -0.05836252290844363 | 330561.74611 | 0.42864099213285567 | 231381.95525 | 0.4799740873707132 | 156341.89627000003 Avoirs à la BRH | 1521012.79145 | -0.0168772558615551 | 1495342.2694 | -0.028760480847810424 | 1452335.5067 | 0.03539229059185825 | 1503736.9869900001 | 0.03911636210513871 | 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 | -0.40320310193460535 | 7003.33722 | 3.7119206034748102 | 32999.16894 | 0.692931241134462 | 55865.324029999996 | -0.31611259046905577 | 81687.89665 | 2.172786733953176 | 25746.419 | 3.174243188189729 | 6167.925020000001 | -0.7457753109329807 | 24261.7074 1828879.56643 | 0.012549361019326976 | 1851830.8363700002 | -0.005330775871164839 | 1841959.14123 | 0.23266282538375138 | 2270514.55927 | 0.2339164706930553 | 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 | 0.1501597444089457 | 1800000 | -0.002777777777777778 | 1795000 | -0.04456824512534819 | 1715000 | 0.1078811369509044 | 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 | 0.019532213648871196 | 307815.1988900001 | 0.19254343557690695 | 367082.99480706966 | -0.1550117016394514 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002 | -0.7715706289926039 | 735168.3774700001 | 0.0907127934329119 | 674025.62975 Immobilisations | 350682.92631999997 | -0.25739193286996404 | 260419.97009 | -0.04884878070450435 | 247698.77208 | -0.005056471614625041 | 246446.29027 | -0.2895195091152242 | 346872.70577 | 0.0050403929189252 | 345133.09933999996 | -0.02520532191542868 | 354057.22569 | 0.1463423695554987 | 308858.18678 Autres actifs | 973187.89194 | 0.05878973976540944 | 1030401.35485 | 0.10528003918025917 | 1138882.0498600001 | -0.02293019705878266 | 1112767.26003 | 0.15238385513581038 | 965622.04952 | 0.36676981420646665 | 706499.39696 | 0.11411354590641544 | 634135.90074 | 1.6880912871406597 | 235905.64195999998 5019668.45532 | 0.04597891413234523 | 5250467.3602 | 0.026693928018577524 | 5390622.95797707 | 0.049026984226555693 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 | 0.1644471289336575 | 4294146.689309999 | -0.10464078580606265 | 4796004.353600001 | 0.37836425527926065 | 3479489.7903299998 PASSIF Dépôts à vue | 1887642.4668400001 | 0.01155050724012348 | 1909445.69482 | -0.007418505421980873 | 1895280.46158 | 0.10922924859754955 | 2102300.52228 | 0.1636145494406905 | 1806698.38074 | 0.09109483268757836 | 1655858.25046 | -0.11647512847444794 | 1874150.12732 | 0.4034938629581804 | 1335346.15062 Épargne | 530021.06429 | 0.004876258368074813 | 532605.58394 | 0.04198351831872451 | 554966.24023 | 0.05471951048304225 | 585333.72123 | 0.12332685279925207 | 521071.6006400001 | 0.2115868586682112 | 430073.66489 | -0.11024491808119823 | 483361.85274999996 | 0.321016720387748 | 365901.3889 À terme | 1794272.22827 | 0.03057281238917173 | 1849128.17648 | 0.06935376906868918 | 1977372.1850100001 | 0.012985567939436707 | 2003049.48586 | 0.12723367689037227 | 1776960.29397 | 0.2562517069568039 | 1414493.8344200002 | -0.170661015224396 | 1705567.75985 | 0.2124845047088198 | 1406671.79929 4211935.7594 | 0.018814079883138726 | 4291179.45524 | 0.031795321776485516 | 4427618.88682 | 0.05941451811335514 | 4690683.72937 | 0.14275078134580654 | 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 | 0.058974595615334094 | 251379.90006 | 0.1138592572165413 | 280001.82876 | 0.20459597393952397 | 337289.07562 | 0.1757971590961116 | 286859.91713 | 1.0477607605903234 | 140084.68306 | -0.266055002498848 | 190865.36939 | 0.5025479212321979 | 127027.80836 237380.48211999997 | 0.058974595615334094 | 251379.90006 | 0.1138592572165413 | 280001.82876 | 0.20459597393952397 | 337289.07562 | 0.1757971590961116 | 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 | 0.07050913067121209 | 981233.0291 | -0.013487720294269905 | 967998.43246 | -0.014764201511855844 | 953706.70854 | 0.016375286830606 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263 | 0.7612580108945921 | 533506.28177 | 1.6411556037587802 | 201997.29278 916604.07276 | 0.07050913067121209 | 981233.0291 | -0.013487720294269905 | 967998.43246 | -0.014764201511855844 | 953706.70854 | 0.016375286830606 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263 | 0.682420133136107 | 558506.28159 | 1.0162878715058912 | 276997.29264 Autres passifs | 24125.148220000003 | -0.11954872706684673 | 21241.01746 | 0.04795831376337462 | 22259.700839999998 | 0.08801679250241018 | 24218.928310000003 | 0.22245290381890295 | 19811.747539999997 | -0.043876876020228606 | 20720.91663 | -0.22855603862610321 | 26859.91163 | 1.650362535561277 | 10134.42926 5390045.462499999 | 0.028754477200293227 | 5545033.40186 | 0.027564387072714493 | 5697878.8488799995 | 0.05405864201913431 | 6005898.44184 | 0.12265175964956596 | 5349743.0438399995 | 0.1627668032263457 | 4600873.56209 | -0.04927100687144144 | 4839311.30253 | 0.37399288386969387 | 3522078.8690700005 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 150488.951 | 0.5788132950704136 | 237593.9566 | 0 | 237593.9566 | 0.0029355461308059223 | 238291.42462 | 0.5834479743300224 | 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 | -0.4015488312060806 | 104325 | 0 | 104325 | 0 | 104325 | -0.4015488312060806 | 174325 | 0 | 174325 | 11.169284467713787 | 14325 | 0 | 14325 BNR | -860190.95849 | 0.06824759105007776 | -801484.9977300001 | -0.01583292291925708 | -814174.8479200001 | -0.05457190668995665 | -858605.92175 | -0.02306309953253562 | -839250.2106100001 | 0.08661543086286912 | -772352.56078 | 1.5640240711696554 | -301226.71992999996 | 0.002388848749782536 | -300508.84974 -370377.00749 | 0.20468594115428945 | -294566.04113 | -0.043079813753546865 | -307255.89132000005 | -0.14233610174931474 | -350989.49713 | -0.004444980957996317 | -349436.25961000007 | 0.13924240299816604 | -306726.8727800001 | 6.082624852556206 | -43306.948929999955 | 0.016855734175009473 | -42589.07873999997 5019668.45501 | 0.04597891430252646 | 5250467.36073 | 0.02669392783550466 | 5390622.957559999 | 0.04902698430788178 | 5654908.94471 | 0.13091239972405086 | 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 | 230735.274625 | 274055.030656465 | 224784.359406334 | 202711.42267 | 228705.636893397 | 185921.176250502 | 220689.186544052 Portefeuille brut | 1261351.12995 | 0.015496319364120974 | 1280897.42989 | 0.05058446215528281 | 1345690.9374570698 | 0.001885364284940803 | 1348228.0550891198 | 0.0802874296785037 | 1248027.1620770001 | 0.1566450656025408 | 1079006.16982 | -0.21756383260130455 | 1379034.11777 | 0.05287313850136827 | 1309781.84108 Provisions pour créances douteuses | 959433.05932 | 0.014226288689357639 | 973082.2309999999 | 0.005678565977226427 | 978607.9426500001 | 0.0607386009345505 | 1038047.2199499999 | 0.09463680653844488 | 948302.86516 | 0.040864762055718436 | 911072.11977 | 0.4150032572714602 | 643865.7403 | 0.012755721179718994 | 635756.21133 Portefeuille de crédit improductif | 1073668.21934 | 0.02196671763694192 | 1097253.18595 | 0.05392337343203774 | 1156420.779245475 | 0.030382854538865578 | 1191556.143567012 | 0.1260182859929372 | 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 | 349485.22975 | 0.06656268971390909 | 356624.46559 | 0.0661564476629302 | 710912.24825 | 0.12571594966443234 | 311269.32863 | 0.06225004626750304 | 330561.74611 | 0.07697961202231682 | 231381.95525 | 0.048244734197607414 | 156341.89627000003 | 0.04493241989227746 Avoirs à la BRH | 1521012.79145 | 0.30301060816835096 | 1495342.2694 | 0.2848017455998507 | 1452335.5067 | 0.2694188627217615 | 1503736.9869900001 | 0.2659170999379107 | 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 | 7003.33722 | 0.0013338502536149907 | 32999.16894 | 0.006121587281701399 | 55865.324029999996 | 0.009879084628280186 | 81687.89665 | 0.01633657697126349 | 25746.419 | 0.005995700860451285 | 6167.925020000001 | 0.0012860549251524766 | 24261.7074 | 0.006972777292644099 1828879.56643 | 0.36434270165626115 | 1851830.8363700002 | 0.3526982855673748 | 1841959.14123 | 0.3416968976663931 | 2270514.55927 | 0.4015121342306232 | 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 | 1800000 | 0.3428266240915046 | 1795000 | 0.3329856333846815 | 1715000 | 0.30327632447638236 | 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 | 307815.1988900001 | 0.05862624748861878 | 367082.99480706966 | 0.06809658135408236 | 310180.8351391199 | 0.05485160560000407 | 299724.2969170001 | 0.05994118158926063 | 167934.05005000002 | 0.03910766496823711 | 735168.3774700001 | 0.15328767934044185 | 674025.62975 | 0.19371392657142253 Immobilisations | 350682.92631999997 | 0.06986177064111383 | 260419.97009 | 0.04959938843998073 | 247698.77208 | 0.045949934545775305 | 246446.29027 | 0.043580947576632785 | 346872.70577 | 0.06937028482103828 | 345133.09933999996 | 0.08037291790687694 | 354057.22569 | 0.07382337453973238 | 308858.18678 | 0.08876536658861914 Autres actifs | 973187.89194 | 0.19387493429144417 | 1030401.35485 | 0.19624945441252112 | 1138882.0498600001 | 0.21127095304906773 | 1112767.26003 | 0.19677898811635755 | 965622.04952 | 0.19311256115115907 | 706499.39696 | 0.1645261440925585 | 634135.90074 | 0.1322217108214261 | 235905.64195999998 | 0.06779891770788221 5019668.45532 | 1 | 5250467.3602 | 1 | 5390622.95797707 | 1 | 5654908.94470912 | 1 | 5000306.783586999 | 1 | 4294146.689309999 | 1 | 4796004.353600001 | 1 | 3479489.7903299998 | 1 PASSIF Dépôts À vue | 1887642.4668400001 | 0.3760492318649887 | 1909445.69482 | 0.36367156746733226 | 1895280.46158 | 0.35158839272469516 | 2102300.52228 | 0.37176558328971276 | 1806698.38074 | 0.361317506891838 | 1655858.25046 | 0.3856082174794243 | 1874150.12732 | 0.39077323312127854 | 1335346.15062 | 0.3837764244433532 Épargne | 530021.06429 | 0.10558885890725857 | 532605.58394 | 0.10143965239690816 | 554966.24023 | 0.10295029805576707 | 585333.72123 | 0.1035089560155789 | 521071.6006400001 | 0.10420792627171693 | 430073.66489 | 0.10015346377445386 | 483361.85274999996 | 0.1007842814794729 | 365901.3889 | 0.10515949491126324 À terme | 1794272.22827 | 0.3574483542570177 | 1849128.17648 | 0.35218353903062133 | 1977372.1850100001 | 0.36681700805727385 | 2003049.48586 | 0.3542142774436899 | 1776960.29397 | 0.3553702544417259 | 1414493.8344200002 | 0.32940044594687257 | 1705567.75985 | 0.35562264629091883 | 1406671.79929 | 0.40427530587942584 4211935.7594 | 0.8390864450292649 | 4291179.45524 | 0.8172947588948617 | 4427618.88682 | 0.8213556988377361 | 4690683.72937 | 0.8294888167489815 | 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 | 251379.90006 | 0 | 280001.82876 | 0.05194238791003774 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 | 140084.68306 | 0.03262223980581096 | 190865.36939 | 0.03979674648266983 | 127027.80836 | 0.036507596232363854 237380.48211999997 | 0.04729007189078729 | 251379.90006 | 0 | 280001.82876 | 0.05194238791003774 | 337289.07562 | 0.059645359265347045 | 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 | 981233.0291 | 0.18688489267413008 | 967998.43246 | 0.1795707917259454 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516 | 533506.28177 | 0.11123974092507585 | 201997.29278 | 0.05805371044380684 916604.07276 | 0.18260251267960828 | 981233.0291 | 0.18688489267413008 | 967998.43246 | 0.1795707917259454 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516 | 558506.28159 | 0.11645241338673332 | 276997.29264 | 0.0796085947456478 Autres passifs | 24125.148220000003 | 0.0048061238376075266 | 21241.01746 | 0.004045547948933615 | 22259.700839999998 | 0.0041293373722345 | 24218.928310000003 | 0.00428281490414799 | 19811.747539999997 | 0.003962106406156928 | 20720.91663 | 0.004825386305871521 | 26859.91163 | 0.005600476907373589 | 10134.42926 | 0.0029126193409634454 5390045.462499999 | 1.073785153437268 | 5545033.40186 | 1.056102823130164 | 5697878.8488799995 | 1.0569982158459537 | 6005898.44184 | 1.0620681076499516 | 5349743.0438399995 | 1.0698829642613108 | 4600873.56209 | 1.0714290626222849 | 4839311.30253 | 1.009029797668447 | 3522078.8690700005 | 1.0122400355530174 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.03287069683359822 | 165000 | 0.03142577387505459 | 165000 | 0.03060870724705986 | 165000 | 0.0291781886522467 | 165000 | 0.03299797535255153 | 165000 | 0.03842439765990222 | 165000 | 0.034403638494645415 | 165000 | 0.04742074555256883 Réserves | 150488.951 | 0.029979858697740717 | 237593.9566 | 0.045251963358734146 | 237593.9566 | 0.044075417340848765 | 238291.42462 | 0.04213886146530293 | 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 | 104325 | 0.01986965975463679 | 104325 | 0.01935305080939103 | 104325 | 0.01844857291603416 | 174325 | 0.03486286092929421 | 174325 | 0.04059595831553003 | 14325 | 0.002986861342035125 | 14325 | 0.004116982909336658 BNR | -860190.95849 | -0.17136409827592158 | -801484.9977300001 | -0.1526502200176462 | -814174.8479200001 | -0.15103539132062282 | -858605.92175 | -0.1518337306833798 | -839250.2106100001 | -0.16783974402625731 | -772352.56078 | -0.17986170866093648 | -301226.71992999996 | -0.06280784955999709 | -300508.84974 | -0.08636577999888291 -370377.00749 | -0.07378515349902502 | -294566.04113 | -0.05610282302922067 | -307255.89132000005 | -0.05699821592332317 | -350989.49713 | -0.062068107649796 | -349436.25961000007 | -0.06988296413271866 | -306726.8727800001 | -0.07142906262228461 | -43306.948929999955 | -0.00902979766844721 | -42589.07873999997 | -0.012240035553017318 5019668.45501 | 0.999999999938243 | 5250467.36073 | 1.0000000001009435 | 5390622.957559999 | 0.9999999999226303 | 5654908.94471 | 1.0000000000001557 | 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) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 137330.1037 | 573582.14455 | 710912.24825 | 0.1931744797449409 | 43253.18263 | 268016.146 | 311269.32863 | 0.13895741935246775 Avoirs à la BRH | 941357.43102 | 562379.55597 | 1503736.9869900001 | 0.626012021493397 | 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 | 44333.30811 | 11532.01592 | 55865.324029999996 | 0.7935747063096378 | 14533.79195 | 67154.1047 | 81687.89665 | 0.17791854786360203 1123020.8428300002 | 1147493.7164399999 | 2270514.55927 | 0.4946107208363667 | 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. | 1715000 | 1715000 | 0 | 1548000 | 1548000 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 612595.5671391201 | -302414.7320000001 | 310180.83513912 | 1.9749626596509848 | 579927.9568970001 | -280203.65998 | 299724.2969170001 | 1.9348713563171498 Immobilisations | 0 | 246446.29027 | 246446.29027 | 0 | 0 | 346872.70577 | 346872.70577 | 0 Autres actifs | 1064915.56341 | 47851.696619999995 | 1112767.26003 | 0.9569975696277135 | 879399.1100699999 | 86222.93944999999 | 965622.0495199999 | 0.9107073626861976 2800531.97337912 | 2854376.9713299996 | 5654908.94470912 | 0.4952390923994224 | 2473759.5350470003 | 2526547.2485399996 | 5000306.783586999 | 0.49472155251891053 PASSIF Dépôts À vue | 1190497.11495 | 911803.4073300001 | 2102300.52228 | 0.566283032484278 | 1068970.4394 | 737727.9413399999 | 1806698.38074 | 0.5916706688817442 Épargne | 267250.13506999996 | 318083.58616 | 585333.72123 | 0.45657737693364014 | 233710.88622000001 | 287360.71442000003 | 521071.6006400001 | 0.4485197157798417 À terme | 1287189.5026099999 | 715859.98325 | 2003049.48586 | 0.6426149287356977 | 1066007.58204 | 710952.71193 | 1776960.29397 | 0.5999051220544589 2744936.75263 | 1945746.97674 | 4690683.72937 | 0.5851890494008363 | 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 | 53210.05985 | 284079.01577 | 337289.07562 | 0.15775802922816287 | 93448.87602999998 | 193411.04109999997 | 286859.91712999996 | 0.32576484356875335 53210.05985 | 284079.01577 | 337289.07562 | 0.15775802922816287 | 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 | 8224.02739 | 945482.6811500001 | 953706.70854 | 0.008623224851369566 | 13069.97956 | 925271.1242600001 | 938341.1038200001 | 0.013928814912606861 8224.02739 | 945482.6811500001 | 953706.70854 | 0.008623224851369566 | 13069.97956 | 925271.1242600001 | 938341.1038200001 | 0.013928814912606861 Autres passifs | 3177.81856 | 21041.109750000003 | 24218.928310000003 | 0.1312121873983944 | 1008.46287 | 18803.284669999997 | 19811.747539999997 | 0.050902267352433674 2809548.65843 | 3196349.78341 | 6005898.44184 | 0.4677982296299454 | 2476216.22612 | 2873526.81772 | 5349743.04384 | 0.4628663855119652 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 165000 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 238291.42462 | 238291.42462 | 0 | 0 | 150488.951 | 150488.951 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 104325 | 0 | 0 | 174325 | 174325 | 0 BNR | 0 | -858605.92175 | -858605.92175 | 0 | 0 | -839250.2106100001 | -839250.2106100001 | 0 0 | -350989.49713 | -350989.49713 | 0 | 0 | -349436.25961000007 | -349436.25961000007 0 2809548.65843 | 2845360.28628 | 5654908.9447099995 | 0.49683358050499643 | 2476216.22612 | 2524090.55811 | 5000306.784229999 | 0.4952128605247796 *Converties au taux de 117,7047 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 | 0.09162082246574385 | 6510.80207 | -0.07017163094315965 | 6053.92847 | -0.10359164517845718 | 5426.79206 | 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 | 0.13499762630476397 | 47637.38571 | -0.027254796640266966 | 46339.03844999999 | 0.042468938843507886 | 48307.00824 | 39706.63294 | -0.08674386154083215 | 36262.32627 | 0.14122284245830866 | 41383.395059999995 | -0.044081323858400474 | 39559.160220000005 47935.696690000004 | 0.1296005173383868 | 54148.18778 | -0.032415135796073885 | 52392.96691999999 | 0.0255918581982074 | 53733.8003 | 0 | 51668.41435000001 | -0.024898045666462587 | 50381.971809999995 | 0.0041001638597836215 | 50588.546149999995 | -0.08862246044206568 | 46105.26472000001 Dépenses d'intérêt | 10104.340619999999 | -0.003706398211266869 | 10066.88991 | 0.019423557995380814 | 10262.424729999999 | 0.009487937067675818 | 10359.793969999999 | 19445.79643 | -0.3051464367304395 | 13511.980939999998 | -0.08160175365078627 | 12409.379599999998 | -0.1074453778495098 | 11076.04912 37831.35607000001 | 0.16520533359775996 | 44081.29787 | -0.04425358994086281 | 42130.54218999999 | 0.02951455346556534 | 43374.006330000004 | 32222.617920000008 | 0.14422704454176097 | 36869.990869999994 | 0.035507892709169 | 38179.166549999994 | -0.08250444508459247 | 35029.21560000001 AUTRES REVENUS Commissions | 3273.6308 | -0.1344771469036766 | 2833.4022699999996 | 0.3740628470661882 | 3893.27279 | -0.21434622103631226 | 3058.76448 | 2729.09909 | 0.7182198759957812 | 4689.1923 | -0.3707281827618798 | 2950.7765600000002 | 0.11471348410060571 | 3289.2704200000003 Gains sur change | -338.19317 | 3.5608424617209153 | 866.05943 | -1.5442629843543185 | -471.36409 | 7.758128817152788 | 3185.53924 | 5080.524359999999 | -0.4443999516616823 | 2822.7395800000004 | -1.0170993953328136 | -48.26713999999998 | -7.329852566362958 | -402.05816000000004 Autres | 371.40884 | 11.405815704332722 | 4607.62962 | 0.8003610107880158 | 8295.39672 | 1.0302672058341291 | 16841.87192 | 1042.43881 | -0.3737891915209872 | 652.7864500000001 | 5.643685465591388 | 4336.90785 | -0.9117337943899361 | 382.80240000000003 3306.84647 | 1.51208860023066 | 8307.09132 | 0.4105184316187343 | 11717.30542 | 0.9702631972530763 | 23086.17564 | 8852.062259999999 | -0.07764788699079928 | 8164.71833 | -0.11332920776949813 | 7239.41727 | -0.5483041606745234 | 3270.0146600000003 PRODUIT NET BANCAIRE | 41138.202540000006 | 0.2734729753703039 | 52388.38919 | 0.027858432804774607 | 53847.84761 | 0.23422169909829027 | 66460.18197 | 41074.68018000001 | 0.09641046510030273 | 45034.7092 | 0.008523972438574003 | 45418.58381999999 | -0.15674979185205212 | 38299.23026000001 Dotation à la provision pour créances douteuses | 9000 | 0 | 9000 | 0.00027980666666674856 | 9002.51826 | -0.00027972839679646887 | 9000 | 12000 | 0 | 12000 | 0 | 12000 | 0 | 12000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 32138.202540000006 | 0.35005649852376575 | 43388.38919 | 0.03357903317452007 | 44845.32935 | 0.28129691102380106 | 57460.181970000005 | 29074.68018000001 | 0.13620198039956516 | 33034.7092 | 0.01162034203709579 | 33418.58381999999 | -0.21303576472140234 | 26299.23026000001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29390.706040000005 | -0.1684375558471615 | 24440.207349999997 | 0.06171400505732623 | 25948.51043 | 0.15047450567666362 | 29853.09971 | 28836.302860000003 | -0.11252834962075318 | 25591.401289999998 | 0.054249440828490154 | 26979.7205 | 0.11738692178075015 | 30146.78684 Frais de locaux | 6064.74165 | -0.36526772579010025 | 3849.48726 | 0.027660850084226547 | 3955.96735 | 0.13431918238657853 | 4487.32965 | 4746.39218 | 0.6914002437110033 | 8028.04889 | -0.162773243898369 | 6721.297329999999 | -0.08851371852642013 | 6126.37031 Amortissement | 3095.60738 | 0.003824874587293446 | 3107.44769 | -0.262352207125971 | 2292.2019299999997 | -0.26873274205820075 | 1676.21222 | 3750.66111 | 0.03162009217089732 | 3869.25736 | 0.010388967768223038 | 3909.45495 | 0.08069816484264661 | 4224.940790000001 Autres dépenses d'exploitation | 14512.79448 | 0.12452105502426986 | 16319.94296 | 0.5526095827727082 | 25338.499829999997 | 0.06853737994164444 | 27075.13422 | 11913.14853 | 0.04531101653275535 | 12452.9454 | -0.10208990557366446 | 11181.625380000001 | 0.08959211527438946 | 12183.41085 53063.84955 | -0.10076095751330577 | 47717.08526 | 0.20575637062706872 | 57535.17954 | 0.09657736891455955 | 63091.775799999996 | 49246.504680000005 | 0.014115687286174204 | 49941.65294 | -0.023017956201431364 | 48792.098159999994 | 0.07971394501719879 | 52681.50879 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -20925.647009999993 | 0.7931392005259674 | -4328.696069999998 | -1.9315641442112157 | -12689.850189999997 | 0.5562127412317394 | -5631.593829999991 | -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 | 0.7931392005259674 | -4328.696069999998 | -1.9315641442112157 | -12689.850189999997 | 0.5562127412317394 | -5631.593829999991 | -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.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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 | 6510.80207 | -0.2521336430965669 | 8705.83629 | 6053.92847 | -0.30676668238483584 | 8732.88735 | 5426.79206 | -0.1709890882432446 | 6546.1045 | 23955.86657 | -0.29265543339444366 | 33867.32252 | 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 | 7965.36002 | 7965.36002 Autres | 41971.35272 | 0.05703630885605883 | 39706.63294 | 47637.38571 | 0.31368807823591416 | 36262.32627 | 46339.03844999999 | 0.11974956097282556 | 41383.395059999995 | 48307.00824 | 0.22113330948762988 | 39559.160220000005 | 184254.78512 | 0.17425917224030474 | 156911.51449 | 156911.51449 47935.696690000004 | -0.07224370453319325 | 51668.41435000001 | 54148.18778 | 0.07475324674078104 | 50381.971809999995 | 52392.96691999999 | 0.03566856348568928 | 50588.546149999995 | 53733.8003 | 0.16545909943969617 | 46105.26472000001 | 208210.65168999997 | 0.047631351261898824 | 198744.19703 | 198744.19703 Dépenses d'intérêt | 10104.340619999999 | -0.480384325919841 | 19445.79643 | 10066.88991 | -0.25496565198677656 | 13511.980939999998 | 10262.424729999999 | -0.17301065316754433 | 12409.379599999998 | 10359.793969999999 | -0.06466702542034239 | 11076.04912 | 40793.44923 | -0.27726555495529603 | 56443.20608999999 | 56443.20608999999 37831.35607000001 | 0.1740621498825754 | 32222.617920000008 | 44081.29787 | 0.19558743655311378 | 36869.990869999994 | 42130.54218999999 | 0.10349559712952924 | 38179.166549999994 | 43374.006330000004 | 0.23822373944336883 | 35029.21560000001 | 167417.20245999997 | 0.1765006087033504 | 142300.99094000002 | 142300.99094000002 AUTRES REVENUS Commissions | 3273.6308 | 0.19952800980927363 | 2729.09909 | 2833.4022699999996 | -0.39575899457141056 | 4689.1923 | 3893.27279 | 0.3194061667617421 | 2950.7765600000002 | 3058.76448 | -0.07007813605060798 | 3289.2704200000003 | 13059.07034 | -0.043875617499436796 | 13658.338370000001 | 13658.338370000001 Gains sur change | -338.19317 | -1.0665665876267938 | 5080.524359999999 | 866.05943 | -0.6931847924844701 | 2822.7395800000004 | -471.36409 | -8.765734824976168 | -48.26713999999998 | 3185.53924 | 8.923080680665702 | -402.05816000000004 | 3242.0414100000003 | -0.5649982420893781 | 7452.93864 | 7452.93864 Autres | 371.40884 | -0.6437116150731188 | 1042.43881 | 4607.62962 | 6.058402667518603 | 652.7864500000001 | 8295.39672 | 0.9127445191163104 | 4336.90785 | 16841.87192 | 42.996254777921976 | 382.80240000000003 | 30116.3071 | 3.6947170479037292 | 6414.935509999999 | 6414.935509999999 3306.84647 | -0.6264320818276756 | 8852.062259999999 | 8307.09132 | 0.017437587464208315 | 8164.71833 | 11717.30542 | 0.6185426233899073 | 7239.41727 | 23086.17564 | 6.0599608993801874 | 3270.0146600000003 | 46417.41885 | 0.6862987894274966 | 27526.21252 | 27526.21252 PRODUIT NET BANCAIRE | 41138.202540000006 | 0.001546508937418959 | 41074.68018000001 | 52388.38919 | 0.16328916341709174 | 45034.7092 | 53847.84761 | 0.18559063451661814 | 45418.58381999999 | 66460.18197 | 0.7352876681548217 | 38299.23026000001 | 213834.62130999996 | 0.25913055713930516 | 169827.20346000002 | 169827.20346000002 Dotation à la provision pour créances douteuses | 9000 | -0.25 | 12000 | 9000 | -0.25 | 12000 | 9002.51826 | -0.24979014499999994 | 12000 | 9000 | -0.25 | 12000 | 36002.51826 | -0.24994753625000007 | 48000 | 48000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 32138.202540000006 | 0.10536736229027693 | 29074.68018000001 | 43388.38919 | 0.3134182270930965 | 33034.7092 | 44845.32935 | 0.3419278803538483 | 33418.58381999999 | 57460.181970000005 | 1.1848617393716823 | 26299.23026000001 | 177832.10304999998 | 0.4597076679051264 | 121827.20346000002 | 121827.20346000002 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29390.706040000005 | 0.019225875893023586 | 28836.302860000003 | 24440.207349999997 | -0.04498362270024805 | 25591.401289999998 | 25948.51043 | -0.038221673571451606 | 26979.7205 | 29853.09971 | -0.009741904885542425 | 30146.78684 | 109632.52352999999 | -0.017226494045653087 | 111554.21149 | 111554.21149 Frais de locaux | 6064.74165 | 0.2777582256171676 | 4746.39218 | 3849.48726 | -0.5204952893604015 | 8028.04889 | 3955.96735 | -0.41142800924118617 | 6721.297329999999 | 4487.32965 | -0.26753862026991976 | 6126.37031 | 18357.52591 | -0.2835279048349647 | 25622.10871 | 25622.10871 Amortissement | 3095.60738 | -0.17465020453420813 | 3750.66111 | 3107.44769 | -0.1968878260400854 | 3869.25736 | 2292.2019299999997 | -0.4136773644111183 | 3909.45495 | 1676.21222 | -0.6032578198569264 | 4224.940790000001 | 10171.469219999999 | -0.354369280413127 | 15754.31421 | 15754.31421 Autres dépenses d'exploitation | 14512.79448 | 0.2182165313773688 | 11913.14853 | 16319.94296 | 0.31052874928689556 | 12452.9454 | 25338.499829999997 | 1.266083773055183 | 11181.625380000001 | 27075.13422 | 1.2222950989131258 | 12183.41085 | 83246.37148999999 | 0.7440687285414989 | 47731.13016 | 47731.13016 53063.84955 | 0.07751504182489309 | 49246.504680000005 | 47717.08526 | -0.04454333305052198 | 49941.65294 | 57535.17954 | 0.17919051874607894 | 48792.098159999994 | 63091.775799999996 | 0.19760760937006558 | 52681.50879 | 221407.89015 | 0.10338853355773597 | 200661.76457000003 | 200661.76457000003 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -20925.647009999993 | -0.03737007081337627 | -20171.824499999995 | -4328.696069999998 | 0.7439693337502052 | -16906.943740000002 | -12689.850189999997 | 0.17456412962242723 | -15373.514340000002 | -5631.593829999991 | 0.7865387622378349 | -26382.27852999999 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001 | -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 | -4328.696069999998 | 0.7439693337502052 | -16906.943740000002 | -12689.850189999997 | 0.17456412962242723 | -15373.514340000002 | -5631.593829999991 | 0.7865387622378349 | -26382.27852999999 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001 | -78834.56111000001 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 23955.86657 | -0.29265543339444366 | 33867.32252 | 33867.32252 | -0.16354936434819972 | 40489.32606 | -0.3208256894583397 | 59615.514650000005 | -0.12084865042680461 | 67810.29759999999 Intérêts sur bons B.R.H. | 0 | -1 | 7965.36002 | 7965.36002 | -0.9125814590264003 | 91117.51272999999 | 0.23881091407730703 | 73552.39746 | -0.08651980287699666 | 80518.87462 Autres | 184254.78512 | 0.17425917224030474 | 156911.51449 | 156911.51449 | 0.6315415278300113 | 96173.7791 | 1.0065942546281599 | 47928.861990000005 | 2.8130947789430683 | 12569.54384 208210.65168999997 | 0.047631351261898824 | 198744.19703 | 198744.19703 | -0.1274753801661135 | 227780.61789 | 0.25778396121082525 | 181096.7741 | 0.12553274839351755 | 160898.71606 Dépenses d'intérêt | 40793.44923 | -0.27726555495529603 | 56443.20608999999 | 56443.20608999999 | -0.3355176631856061 | 84943.12484 | 0.29027435461650464 | 65833.382285 | 0.07990536482031393 | 60962.17727 167417.20245999997 | 0.1765006087033504 | 142300.99094000002 | 142300.99094000002 | -0.0037560314070492025 | 142837.49305 | 0.23922687681494703 | 115263.39181500001 | 0.153365858079264 | 99936.53879 AUTRES REVENUS Commissions | 13059.07034 | -0.043875617499436796 | 13658.338370000001 | 13658.338370000001 | -0.11486573995249984 | 15430.80975 | -0.3453371844369123 | 23570.62198 | 0.08426154965981307 | 21738.87102 Gains sur change | 3242.0414100000003 | -0.5649982420893781 | 7452.93864 | 7452.93864 | -0.4231387245883686 | 12919.810980000002 | -0.6213127876687322 | 34117.368 | 0.46999387135888515 | 23209.19064 Autres | 30116.3071 | 3.6947170479037292 | 6414.935509999999 | 6414.935509999999 | 0.4754577299996069 | 4347.7596 | -0.4146995139163396 | 7428.25216 | -0.47726383266936023 | 14210.32755 46417.41885 | 0.6862987894274966 | 27526.21252 | 27526.21252 | -0.1581781041691126 | 32698.380330000004 | -0.4978460172855423 | 65116.24214 | 0.10071019528356089 | 59158.38921 PRODUIT NET BANCAIRE | 213834.62130999996 | 0.25913055713930516 | 169827.20346000002 | 169827.20346000002 | -0.03252138614220387 | 175535.87338 | -0.026853145606274005 | 180379.63395500003 | 0.13378620061979607 | 159094.928 Dotation à la provision pour créances douteuses | 36002.51826 | -0.24994753625000007 | 48000 | 48000 | 1 | 24000 | 0.36164484973097366 | 17625.7414 | -0.16439953658111164 | 21093.50362 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 177832.10304999998 | 0.4597076679051264 | 121827.20346000002 | 121827.20346000002 | -0.19605040877351088 | 151535.87338 | -0.06892627266170655 | 162753.89255500003 | 0.17936386009206504 | 138001.42438 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 109632.52352999999 | -0.017226494045653087 | 111554.21149 | 111554.21149 | -0.10569050163401131 | 124737.81357999999 | 0.5252536156845911 | 81781.68685999999 | 0.008998872116133328 | 81052.30750999998 Frais de locaux | 18357.52591 | -0.2835279048349647 | 25622.10871 | 25622.10871 | 0.08151297241785313 | 23690.986019999997 | 0.3214626470599535 | 17927.85144 | 0.32484351087468327 | 13532.052119999998 Amortissement | 10171.469219999999 | -0.354369280413127 | 15754.31421 | 15754.31421 | 0.10400466481371046 | 14270.15185 | 0.4768067953120662 | 9662.84276 | 0.14413344896195934 | 8445.55569 Autres dépenses d'exploitation | 83246.37148999999 | 0.7440687285414989 | 47731.13016 | 47731.13016 | -0.07761709201868132 | 51747.63078000001 | -0.043470938612768115 | 54099.38168 | 0.7536487386162728 | 30849.611149999997 221407.89015 | 0.10338853355773597 | 200661.76457000003 | 200661.76457000003 | -0.06428089231664853 | 214446.58222999997 | 0.3118264502418982 | 163471.76273999998 | 0.22103630816644013 | 133879.52646999998 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001 | -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 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001 | -78834.56111000001 | -0.2531183092844781 | -62910.708849999966 | -86.63521617770552 | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.sept. 22 | 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 | 0.029744441339485374 | 40997435.45599204 | 0.06841197346840362 | 43802150.92267996 | 0.036744172761349274 | 45411624.72350161 | 0.17853905544743237 | 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 | 0.06743458779156755 | 14294328.520206444 | 0.07356138998103008 | 15345839.19499831 | -0.001757700029627105 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105 | -0.1845108316332431 | 15103214.604820965 | 0.3496547395835216 | 11190428.308710668 Dépôts | 32376269.186209247 | 0.0335809030730799 | 33463493.543619283 | 0.09361995295150384 | 36596344.23476587 | 0.032294885529793545 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416 | -0.012345655092637974 | 22161837.82004568 | 0.45906658962962615 | 15189051.670130633 Avoir des Actionnaires | 3452039.581454 | -0.05326464113391735 | 3268167.9319677744 | 0.020665602443372684 | 3335706.591168 | 0.019975180888637062 | 3402337.9337179996 | 0.05127384725056708 | 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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 329174.73889999994 | -0.06053175404934363 | 350384.10326142004 | 359977.86742401274 | 0.016496669186316586 | 354135.8061823923 | 387463.71006610733 | 0.1141511542510479 | 347765.8382237797 | 334753.9665432271 | -0.014682124163643851 | 339742.10227240797 | 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999 Autres revenus | 260276.57534999988 | 0.3987820317631635 | 186073.71945 | 252149.8255799996 | 0.7150114451930815 | 147025.15617999958 | 265082.4081100005 | 0.6021650707174829 | 165452.6196800003 | 319192.91649417195 | 0.6372103867397991 | 194961.453384 | 1096701.7255341718 | 0.5813716637871624 | 693512.948694 Dot. à la prov. pr créances douteuses | 128533.94244999999 | 0.5661000557386815 | 82072.62491244498 | -34078.36208471388 | -1.8816880553517934 | 38651.268867555 | 40538.5973668234 | 0.2750224971515022 | 31794.417320000022 | 34848.48686219829 | 1.3988094856100328 | -87381.28886 | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999 Dépenses d'exploitation | 428023.73943 | 0.32393278342856263 | 323297.18305 | 518275.6287911377 | 0.4268520349369863 | 363230.1150371392 | 525204.4835496522 | 0.31128645471165206 | 400526.12582286075 | 518442.4292563684 | 0.2772171746042461 | 405915.641885266 | 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266 Bénéfice (perte) net | 23025.54265900023 | -0.7490721601590391 | 91761.61032428255 | 89551.298408312 | 0.288587525098113 | 69495.70492038837 | 60762.12608174261 | 0.07299474301858963 | 56628.54033264346 | 70459.17684318259 | -0.534364906315607 | 151318.4418417993 | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136 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. 21-sept 22) | (oct. 20-sept. 21) | 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 | 0.07971639922394488 | 0.08436013832260632 | 0.0761539449753558 | 0.08173702967987483 | 0.07492218026626138 | 0.08399211660595632 | 0.07492218026626138 | 0.08399211660595632 | 0.08399211660595632 | 0.10144165313577588 | 0.09871617038303905 | 0.11929214134781348 Dépôts en % de l'actif | 0.8132041152085546 | 0.7852282252332341 | 0.8162338246630101 | 0.8045583095191543 | 0.835491944205346 | 0.8097286030546953 | 0.8319063502496844 | 0.8181649316827374 | 0.8319063502496844 | 0.8181649316827374 | 0.8181649316827374 | 0.7583432115006496 | 0.7694702784259142 | 0.7106096024431907 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.06724836294736215 | 0.017049483594002685 | 0.1685051785572723 | 0.023238997907172158 | 0.1795261904107955 | 0.02335429161272918 | 0.11408158078922474 | 0.0562751812861468 | 0.11408158078922474 | 0.0562751812861468 | 0.0562751812861468 | 0.011131736542746701 | 0.019326044763293113 | 0.004006696394098167 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.2026752139673502 | 2.458409019827974 | 0.4864143772884634 | 2.143375173607974 | 0.4649659923328839 | 2.3173893432374935 | 0.3971745454698088 | 0.8647964786194402 | 0.3971745454698088 | 0.8647964786194402 | 0.8647964786194402 | 3.0256460890261523 | 0.7068216033211133 | 1.4643396877697732 Prêts improductifs nets en % de l'avoir des actionnaires | -0.057524902065865635 | -0.10559253049317144 | 0.41231153138547294 | -0.12079170343034856 | 0.4821331693964625 | -0.14034302927476822 | 0.32433516656661493 | 0.03182783967513231 | 0.32433516656661493 | 0.03182783967513231 | 0.03182783967513231 | -0.09815945941558532 | 0.030515149453333168 | -0.008213213435020567 Rentabilité ROA (rendement de l'actif) | 0.0023511841730103717 | 0.012250896342965088 | 0.008865296778616381 | 0.008490465296919368 | 0.005732304005390755 | 0.006412908238969311 | 0.0063182329260558145 | 0.016194076911043343 | 0.005808606807929885 | 0.010956370573103082 | 0.010956370573103082 | 0.017798307209976546 | 0.01706156832542766 | 0.018998121490414625 ROE (rendement avoir des action.) | 0.027540723564809667 | 0.1235062043858538 | 0.10660539660950387 | 0.0939170011122735 | 0.07360785050517939 | 0.07724979698137946 | 0.08365534134771802 | 0.19534602721218705 | 0.07344718595589103 | 0.11978733622570949 | 0.11978733622570949 | 0.17784013761266987 | 0.15873973726900506 | 0.18780239558858375 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7265999638428119 | 0.7758288881241188 | 0.7496709980572324 | 0.7726745581257369 | 0.7758772238421225 | 0.7430818906155263 | 0.7079805821056311 | 0.7360296533034459 | 0.7407085462128182 | 0.7567250680954185 | 0.7567250680954185 | 0.7438871561707947 | 0.7581870521830335 | 0.7081852736079371 Rendement moyen des prêts | 0.12014482903510515 | 0.12065094548672055 | 0.1126388716953756 | 0.12008273868865366 | 0.11222829934872594 | 0.12477180299064285 | 0.09309445012105606 | 0.12598274163437903 | 0.11366742252460704 | 0.12312780632975993 | 0.12312780632975993 | 0.1408633310661932 | 0.13427588350274616 | 0.12747944891409832 Rendement moyen des prêts productifs | 0.12808113194977452 | 0.12237616910096386 | 0.12793446317812998 | 0.12255731055948263 | 0.1359051026021244 | 0.12774798609108376 | 0.10920170418203277 | 0.13120950464970205 | 0.12458455227695817 | 0.12751218829470384 | 0.12751218829470384 | 0.14309615667796707 | 0.13602181467745952 | 0.12802659839796074 Rémunération moyenne des dépôts | 0.015506216519273159 | 0.017502141109453466 | 0.014605552412783468 | 0.01600349147237112 | 0.012780412825913055 | 0.01686857881220145 | 0.01485188832492587 | 0.016017987007527094 | 0.014257861429705245 | 0.01675649045222914 | 0.01675649045222914 | 0.023804172036362935 | 0.02370310842082762 | 0.02716349695726138 Dépenses d'exploitation en % du produit net bancaire | 0.7261392571065934 | 0.602651633293291 | 0.8466789441394225 | 0.724777351621585 | 0.8048541994512503 | 0.7804203446984224 | 0.7927898162742965 | 0.7591414674378956 | 0.7934167257992941 | 0.7158666312225299 | 0.7158666312225299 | 0.6222613343159268 | 0.5985569077786781 | 0.6063052807866371 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5027.303319829422 | 5233.734855721171 | 5176.555543374311 | 4514.9636248864135 | 5460.636972185002 | 4358.543166911083 | 5404.519694523959 | 4545.832566685721 | 5258.012596367964 | 4810.9360983483275 | 4810.9360983483275 | 5877.378218485537 | 5952.315043404255 | 5492.893104321223 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept. 22 | 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 | 0.2928872589872589 | 1179087.97617608 | -0.12319005478349367 | 1033836.0637963901 | 0.6459184058830225 | 1701609.806068133 | 0.5476469605845711 | 1099481.89051165 | -0.2861222195229068 | 1540154.2400953462 | -0.031599951812533736 | 1590411.1559866401 | 1.510231698024057 | 633571.457662072 Avoirs à la BRH | 16149605.89443703 | -0.04246903198548545 | 15463747.7651532 | 0.13264583091152937 | 17514949.43646825 | -0.02156238835618675 | 17137285.29468015 | -0.15398196586635493 | 20256406.605125606 | 0.9717782488178013 | 10273166.67950391 | 0.13264892289685518 | 9070036.153152673 | 0.36011203590187385 | 6668594.875817301 Avoirs à l'étranger | 1364099.720982831 | 0.27929923322364214 | 1745091.7270939199 | -0.28329371171339457 | 1250718.214445145 | 0.3193961022656805 | 1650192.737171616 | 0.8350697095545467 | 899253.4335778401 | 0.9024526015579162 | 472681.1237459701 | -0.5208401561612379 | 986479.0003250521 | 0.6914201181762271 | 583225.29673392 Avoirs dans les banques locales | 84328.688359958 | 1.4270253210349106 | 204667.86193928 | 0.7073941677560153 | 349448.71380222 | 0.33106511646746545 | 465138.992936558 | 4.6937956031491765 | 81692.253350172 | 0.03381154632111516 | 79020.44975303201 | 1.8189835634219538 | 28031.539728848 | 0.3978477700396635 | 20053.356545436 Autres liquidités | 48.341 | 66.27615621522104 | 3252.1966675999997 | 0.30640282035445504 | 4248.6788989 | 23.462917136799444 | 103935.079844659 | 13.880181449248346 | 6984.7992243339995 | -0.9892304438857948 | 648568.905743564 | 145.57908516374027 | 4424.70291733 | -0.9815620704686021 | 239978.29635888204 18510063.15041159 | 0.004634472390580803 | 18595847.52703008 | 0.08374738382411046 | 20153201.107410904 | 0.044904072482928326 | 21058161.910701115 | -0.05753971924568089 | 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 | -0.02498732002724086 | 5732107.56329816 | 0.11787183881197444 | 6407761.6220521405 | 0.07692021469312443 | 6900648.021722754 | 3.826728540216274 | 1429673.942552724 | -0.31945176651819684 | 2100767.987065756 | 5.048690190781261 | 347309.5696432779 | -0.09197085601037616 | 382487.24938199413 Portefeuille net | 13391292.247499876 | 0.06743458779156755 | 14294328.520206444 | 0.07356138998103008 | 15345839.19499831 | -0.001757700029627105 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105 | -0.1845108316332431 | 15103214.604820965 | 0.3496547395835216 | 11190428.308710668 Immobilisations | 1030060.6353700001 | -0.004865821542825759 | 1025048.54414 | 0.0019403320275613828 | 1027037.47866 | 0.1237532199173776 | 1154136.67362 | 0.11043586633713243 | 1039354.6431699999 | 0.017672521729910826 | 1021305.5977999999 | -0.054562497938878164 | 1080246.5478400001 | 0.4968205941162512 | 721694.0708100001 Autres actifs | 1002789.401315024 | 0.346347797001923 | 1350103.3013173598 | -0.3568554949007626 | 868311.5195585999 | 0.1284110395831264 | 979812.3044671239 | 0.1666408212105296 | 839857.723691214 | 1.0431598222636596 | 411058.26110104204 | 0.4112705270713968 | 291268.22477760597 | 0.24131222255480253 | 234645.417555088 39813213.65781089 | 0.029744441339485374 | 40997435.45599204 | 0.06841197346840362 | 43802150.92267996 | 0.036744172761349274 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 | 0.3349903103594114 | 28863231.162558727 | 0.0021460629423471185 | 28801421.49919239 | 0.34745520166920657 | 21374678.329575364 PASSIF Dépôts À vue | 13879708.585220747 | -0.01689277064536695 | 13645241.851466082 | 0.06248146650949648 | 14497816.57322244 | 0.140987412637402 | 16541826.220772717 | 0.27044844707170224 | 13020462.387828887 | 0.3997158661078782 | 9302218.188062876 | 0.058522628643998695 | 8787925.67711029 | 0.6699392716873728 | 5262422.308465518 Épargne | 6881361.233152483 | 0.036794048164032395 | 7134554.3697992 | 0.1704037569626197 | 8350309.23866706 | -0.029208375525133196 | 8106410.270673083 | 0.20925402459958112 | 6703645.475447021 | 0.5715754988189116 | 4265557.385238585 | 0.012685015972899253 | 4212126.49339006 | 0.35504822507160944 | 3108469.806059828 À terme | 11615199.367836019 | 0.0919913572449552 | 12683697.322354 | 0.08392829578534927 | 13748218.42287637 | -0.044968439740301236 | 13129982.491190754 | 0.11256585460377676 | 11801532.859254247 | 0.4183750760247676 | 8320459.840798957 | -0.09182989440362267 | 9161785.64954533 | 0.34373294946043353 | 6818159.555605287 32376269.186209247 | 0.0335809030730799 | 33463493.543619283 | 0.09361995295150384 | 36596344.23476587 | 0.032294885529793545 | 37778218.982636556 | 0.19833310653819397 | 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 | 700000 | 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 | 0.11383425295411986 | 1563364.43503184 | -0.18075910060196537 | 1280772.085842385 | 0.013733419226882218 | 1298361.4658313468 | 0.00041964770356142135 | 1297816.839974808 | 0.13693577756413608 | 1141504.089839935 | 0.05578435173708526 | 1081190.57453524 | 0.360333677075704 | 794798.0651772621 1403588.039140898 | 0.11383425295411986 | 1563364.43503184 | -0.18075910060196537 | 1280772.085842385 | 0.5602787474221 | 1998361.4658313468 | 0.539786974770752 | 1297816.839974808 | -0.15808407611194256 | 1541504.089839935 | 0.42574688139744954 | 1081190.57453524 | 0.360333677075704 | 794798.0651772621 Obligations à terme Banques locales | 1795605.81531 | -0.026930911727778877 | 1747248.5136 | -0.026563397764392274 | 1700835.65634 | -0.16806873750232376 | 1414978.35488 | -0.23264281057490757 | 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 | 0.4940496590371535 | 758616.9994715872 | -0.1250337794299056 | 663764.24888788 | -0.13030638203652245 | 577271.5310901105 | 0.41270921596130095 | 408627.28477162 | 0.7748804538862697 | 230228.060643122 | 0.055682012204758 | 218084.66752436 | 0.022614920898827683 | 213261.76947689598 2303364.707313952 | 0.08791521599450908 | 2505865.5130715873 | -0.056373978215035855 | 2364599.90522788 | -0.15746850806960747 | 1992249.8859701105 | -0.11557383695431052 | 2252590.40179162 | -0.006628085906360925 | 2267620.384503122 | -0.0800823076289677 | 2465025.29879436 | -0.0635247460225881 | 2632237.5186368963 Autres passifs | 277952.14347259275 | -0.29288535126429033 | 196544.03229696 | 0.14339826746991444 | 224728.10600989498 | 0.0699883387660798 | 240456.452823575 | 0.0945237822282083 | 219690.4779300993 | -0.07668787240718367 | 237937.39014655672 | -0.04901797254718011 | 250201.773827278 | 0.19851437644447717 | 208759.927076994 36361174.076136686 | 0.037625117522837294 | 37729267.52401967 | 0.0725478385204213 | 40466444.33184603 | 0.03812646455328367 | 42009286.78726158 | 0.1902084682552788 | 35295738.442226686 | 0.36091512902625705 | 25935297.27859003 | -0.0008844272544251432 | 25958255.467202555 | 0.3789357872382779 | 18824847.181021787 AVOIR DES ACTIONNAIRES Capital versé | 729186.76157 | -0.0009428311596328972 | 728499.26157 | 0 | 728499.26157 | -0.0004372001686228147 | 728180.76157 | -0.009866245990355437 | 735436.76157 | 0.011517575156672042 | 727062.76157 | -0.0019766568858251804 | 728502.76157 | -0.0019096203830547042 | 729896.58697 Réserves | 294604.93022 | 0.3069400465649817 | 385030.98121999996 | 0 | 385030.98121999996 | 0 | 385030.98121999996 | 0.3069400465649817 | 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 | -0.0065757849638179095 | 1202178.03833 | 0 | 1202178.03833 | -0.0029191468968064725 | 1198668.70404 | -0.058839844691228174 | 1273607.57601 | 0.09562173076627604 | 1162451.9122300001 | -0.006528828273013114 | 1170091.23698 | 4.305490661047279e-05 | 1170040.86098 BNR | 1218112.259654 | -0.21808548982314893 | 952459.6508477746 | 0.07090973264863232 | 1019998.310048 | 0.06907773880202249 | 1090457.486888 | 0.16908272120811682 | 932746.2181299999 | 0.14366027130572492 | 815579.80244 | 0.39541214611327813 | 584472.340098 | 0.459704835230839 | 400404.46944575 3452039.581454 | -0.05326464113391735 | 3268167.9319677744 | 0.020665602443372684 | 3335706.591168 | 0.019975180888637062 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 | 0.10535128666968242 | 2927933.88397 | 0.02981459789132624 | 2843166.031988 | 0.11504090519813354 | 2549831.14855575 39813213.65759069 | 0.029744441345065296 | 40997435.455987446 | 0.06841197347667197 | 43802150.92301403 | 0.03674417269586469 | 45411624.720979586 | 0.17853905536739112 | 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 | 2805613.0789375203 | 2654699.08580754 | 2620854.426157199 | 3234982.958983928 | 1429968.6171458 | 1541318.249651364 | 1187232.1703575342 Portefeuille brut | 14569656.001132907 | 0.0686966243784907 | 15570542.186766557 | 0.07533038046254781 | 16743477.053703833 | -0.04166196807708509 | 16045910.847193018 | 0.1852242592771332 | 13538290.93658562 | 0.062177037052262754 | 12745795.158740086 | -0.16761516767883 | 15312382.763147477 | 0.3603181284870412 | 11256471.881454712 Provisions pour créances douteuses | 1178363.753633032 | 0.0830388007314361 | 1276213.6665601125 | 0.09514409328705475 | 1397637.858705522 | -0.47980442167201326 | 727045.034202408 | 0.10348556000491962 | 658862.300109452 | 0.5347819296703217 | 429287.24098998134 | 1.0523546433863178 | 209168.15832651197 | 2.1671236069731754 | 66043.57274404401 Portefeuille de crédit improductif | 979785.5147823989 | 1.677848316626055 | 2623716.9914146396 | 0.14566192143357698 | 3005892.64968202 | -0.39101521977360265 | 1830542.874650748 | 1.4026978500619842 | 761869.776760954 | 4.369710744461202 | 141882.83373491102 | -0.5205491465497999 | 295927.794713266 | 5.561407817718359 | 45101.265297692 2623716.9914146396 [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 | 1179087.97617608 | 0.028760042257807827 | 1033836.0637963901 | 0.0236024040376768 | 1701609.806068133 | 0.03747079776221944 | 1099481.89051165 | 0.028534155221593704 | 1540154.2400953462 | 0.05336042355830308 | 1590411.1559866401 | 0.05521988406132094 | 633571.457662072 | 0.02964121601705801 Avoirs à la BRH | 16149605.89443703 | 0.4056343211387224 | 15463747.7651532 | 0.3771881727029604 | 17514949.43646825 | 0.39986505382774085 | 17137285.29468015 | 0.3773766166488025 | 20256406.605125606 | 0.5257016557438657 | 10273166.67950391 | 0.35592573200294436 | 9070036.153152673 | 0.31491626735878303 | 6668594.875817301 | 0.3119857418668242 Avoirs à l'étranger | 1364099.720982831 | 0.03426248714075385 | 1745091.7270939199 | 0.042565875345231215 | 1250718.214445145 | 0.028553808160081604 | 1650192.737171616 | 0.03633855311760298 | 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 | 204667.86193928 | 0.004992211333779085 | 349448.71380222 | 0.00797788936025244 | 465138.992936558 | 0.010242729604339335 | 81692.253350172 | 0.002120107168305258 | 79020.44975303201 | 0.0027377548032646126 | 28031.539728848 | 0.0009732693134480888 | 20053.356545436 | 0.000938182845899903 Autres liquidités | 48.341 | 1.2141948754874265e-06 | 3252.1966675999997 | 7.932683182320054e-05 | 4248.6788989 | 9.699703803130158e-05 | 103935.079844659 | 0.002288732906551791 | 6984.7992243339995 | 0.00018127205821104138 | 648568.905743564 | 0.022470419271175886 | 4424.70291733 | 0.0001536279352550037 | 239978.29635888204 | 0.011227223757881438 18510063.15041159 | 0.4649226085968102 | 18595847.52703008 | 0.4535856284716018 | 20153201.107410904 | 0.46009615242378293 | 21058161.910701115 | 0.46371743003951604 | 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 | 5732107.56329816 | 0.1398162470296755 | 6407761.6220521405 | 0.14628874352228027 | 6900648.021722754 | 0.15195774350155553 | 1429673.942552724 | 0.0371034198426709 | 2100767.987065756 | 0.07278353470663619 | 347309.5696432779 | 0.012058764865234748 | 382487.24938199413 | 0.01789440961330213 Portefeuille net | 13391292.247499876 | 0.3363529596629952 | 14294328.520206444 | 0.34866396790966186 | 15345839.19499831 | 0.3503444208045161 | 15318865.81299061 | 0.33733357716802254 | 12879428.636476168 | 0.33425163165500626 | 12316507.917750105 | 0.4267196506303505 | 15103214.604820965 | 0.5243912910772293 | 11190428.308710668 | 0.5235366884200957 Immobilisations | 1030060.6353700001 | 0.02587233083526565 | 1025048.54414 | 0.025002747921643045 | 1027037.47866 | 0.023447192821031502 | 1154136.67362 | 0.02541500509279745 | 1039354.6431699999 | 0.026973710958254907 | 1021305.5977999999 | 0.035384312728120114 | 1080246.5478400001 | 0.03750670944731985 | 721694.0708100001 | 0.033763973412007715 Autres actifs | 1002789.401315024 | 0.025187351363641763 | 1350103.3013173598 | 0.03293140866741784 | 868311.5195585999 | 0.019823490428389077 | 979812.3044671239 | 0.02157624419810832 | 839857.723691214 | 0.02179629410786146 | 411058.26110104204 | 0.014241588503586018 | 291268.22477760597 | 0.010112980874425706 | 234645.417555088 | 0.010977728597226078 39813213.65781089 | 1 | 40997435.45599204 | 1 | 43802150.92267996 | 1 | 45411624.72350161 | 1 | 38532133.92767971 | 1 | 28863231.162558727 | 1 | 28801421.49919239 | 1 | 21374678.329575364 | 1 PASSIF Dépôts À vue | 13879708.585220747 | 0.3486206540500583 | 13645241.851466082 | 0.33283159543267826 | 14497816.57322244 | 0.3309841244740274 | 16541826.220772717 | 0.3642641354827352 | 13020462.387828887 | 0.33791179103308333 | 9302218.188062876 | 0.32228609942083264 | 8787925.67711029 | 0.3051212481771675 | 5262422.308465518 | 0.24619890074247788 Épargne | 6881361.233152483 | 0.17284113993652556 | 7134554.3697992 | 0.17402440641580275 | 8350309.23866706 | 0.19063696788331508 | 8106410.270673083 | 0.17850958471604345 | 6703645.475447021 | 0.1739754535274111 | 4265557.385238585 | 0.14778516518870727 | 4212126.49339006 | 0.14624717372051135 | 3108469.806059828 | 0.14542767653063352 À terme | 11615199.367836019 | 0.2917423212219708 | 12683697.322354 | 0.30937782281452914 | 13748218.42287637 | 0.31387085184800345 | 13129982.491190754 | 0.2891326300509057 | 11801532.859254247 | 0.3062776871222429 | 8320459.840798957 | 0.2882719468911099 | 9161785.64954533 | 0.31810185652823536 | 6818159.555605287 | 0.3189830251700793 32376269.186209247 | 0.8132041152085546 | 33463493.543619283 | 0.8162338246630101 | 36596344.23476587 | 0.835491944205346 | 37778218.982636556 | 0.8319063502496844 | 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 | 700000 | 0.015414555287596507 | 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 | 1563364.43503184 | 0.038133225106482704 | 1280772.085842385 | 0.029239935913266405 | 1298361.4658313468 | 0.028590949426203056 | 1297816.839974808 | 0.03368141620214073 | 1141504.089839935 | 0.039548728394646605 | 1081190.57453524 | 0.03753948653421697 | 794798.0651772621 | 0.037184094793021 1403588.039140898 | 0.035254326646538624 | 1563364.43503184 | 0.038133225106482704 | 1280772.085842385 | 0.029239935913266405 | 1998361.4658313468 | 0.04400550471379956 | 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 | 1747248.5136 | 0.042618483184772675 | 1700835.65634 | 0.038829957445293814 | 1414978.35488 | 0.03115894583150016 | 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 | 758616.9994715872 | 0.018504011068836514 | 663764.24888788 | 0.015153690741341994 | 577271.5310901105 | 0.012711977045634279 | 408627.28477162 | 0.010604844401780743 | 230228.060643122 | 0.007976517228666102 | 218084.66752436 | 0.0075720105526900896 | 213261.76947689598 | 0.009977308953548716 2303364.707313952 | 0.057854277404257186 | 2505865.5130715873 | 0.06112249425360919 | 2364599.90522788 | 0.053983648186635806 | 1992249.8859701105 | 0.04387092287713444 | 2252590.40179162 | 0.058460048073627785 | 2267620.384503122 | 0.07856432884218002 | 2465025.29879436 | 0.08558693184166208 | 2632237.5186368963 | 0.12314746814200077 Autres passifs | 277952.14347259275 | 0.006981404361415115 | 196544.03229696 | 0.0047940567528409585 | 224728.10600989498 | 0.005130526727022778 | 240456.452823575 | 0.005295041837583341 | 219690.4779300993 | 0.005701487447916394 | 237937.39014655672 | 0.008243615858754171 | 250201.773827278 | 0.008687132815104068 | 208759.927076994 | 0.009766693274075639 36361174.076136686 | 0.9132941236207655 | 37729267.52401967 | 0.9202836007759431 | 40466444.33184603 | 0.9238460550322709 | 42009286.78726158 | 0.9250778196782016 | 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 | 728499.26157 | 0.01776938614494544 | 728499.26157 | 0.0166315864911738 | 728180.76157 | 0.016035118012264135 | 735436.76157 | 0.019086323195863703 | 727062.76157 | 0.025189929619284724 | 728502.76157 | 0.025293986326002264 | 729896.58697 | 0.034147722633096594 Réserves | 294604.93022 | 0.007399677221539787 | 385030.98121999996 | 0.009391586984344533 | 385030.98121999996 | 0.008790230002623864 | 385030.98121999996 | 0.008478687639218888 | 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 | 1202178.03833 | 0.029323249734009734 | 1202178.03833 | 0.027445639380862776 | 1198668.70404 | 0.026395635728480336 | 1273607.57601 | 0.03305312854980759 | 1162451.9122300001 | 0.04027448991012234 | 1170091.23698 | 0.0406261627403637 | 1170040.86098 | 0.05473957750096558 BNR | 1218112.259654 | 0.03059567786020761 | 952459.6508477746 | 0.023232176360645174 | 1019998.310048 | 0.023286489100695355 | 1090457.486888 | 0.02401273888629803 | 932746.2181299999 | 0.02420697021038739 | 815579.80244 | 0.02825670479672307 | 584472.340098 | 0.02029317685289905 | 400404.46944575 | 0.018732654745579256 3452039.581454 | 0.08670587637370364 | 3268167.9319677744 | 0.07971639922394488 | 3335706.591168 | 0.0761539449753558 | 3402337.9337179996 | 0.07492218026626138 | 3236395.48593 | 0.08399211660595632 | 2927933.88397 | 0.10144165313577588 | 2843166.031988 | 0.09871617038303905 | 2549831.14855575 | 0.11929214134781348 39813213.65759069 | 0.9999999999944691 | 40997435.455987446 | 0.9999999999998879 | 43802150.92301403 | 1.0000000000076268 | 45411624.720979586 | 0.9999999999444631 | 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) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 674864.533838133 | 1026745.27223 | 1701609.806068133 | 0.3966035758794347 | 312795.36233165005 | 786686.5281799999 | 1099481.89051165 | 0.2844934191558981 Avoirs à la BRH | 12990275.940660149 | 4147009.35402 | 17137285.29468015 | 0.7580124691448454 | 16399007.092755606 | 3857399.5123699997 | 20256406.605125606 | 0.8095713821525513 Avoirs à l'étranger | 1650192.737171616 | 0 | 1650192.737171616 | 1 | 899253.4335778401 | 0 | 899253.4335778401 | 1 Avoirs dans les banques locales | 219643.695846558 | 245495.29709 | 465138.992936558 | 0.47221088573951486 | 48946.931260172 | 32745.32209 | 81692.253350172 | 0.5991624573062281 Autres liquidités | 18893.248684659 | 85041.83116 | 103935.079844659 | 0 | 605.107914334 | 6379.691309999999 | 6984.7992243339995 | 0 15553870.156201115 | 5504291.7545 | 21058161.910701115 | 0.738614805136298 | 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 | 5533478.504832754 | 1367169.51689 | 6900648.021722754 | 0.8018780971604048 | 148457.16263272398 | 1281216.7799200001 | 1429673.9425527242 | 0.10383987440356465 Portefeuille net | 6506071.565680605 | 8812794.247310005 | 15318865.81299061 | 0.4247097432084931 | 4710043.98524627 | 8169384.651229898 | 12879428.636476168 | 0.36570286758737347 Immobilisations | 0 | 1154136.67362 | 1154136.67362 | 0 | 0 | 1039354.6431699999 | 1039354.6431699999 | 0 Autres actifs | -18444.945616722103 | 998257.2500838459 | 979812.3044671238 | -0.018824978552145745 | 155389.59842828318 | 684468.1252629308 | 839857.7236912139 | 0.18501895505031335 27574975.28109775 | 17836649.44240385 | 45411624.7235016 | 0.6072228300351263 | 22674498.674146876 | 15857635.253532827 | 38532133.9276797 | 0.5884568634767089 PASSIF Dépôts À vue | 10884759.255002715 | 5657066.9657700015 | 16541826.220772717 | 0.6580143636942557 | 8571389.477888886 | 4449072.90994 | 13020462.387828887 | 0.6583014659987151 Épargne | 5247389.000393082 | 2859021.2702800003 | 8106410.270673083 | 0.647313524134942 | 4325570.438717022 | 2378075.03673 | 6703645.475447021 | 0.6452564436111649 À terme | 10363048.299660753 | 2766934.1915300004 | 13129982.491190754 | 0.7892659648718947 | 8677309.410334246 | 3124223.44892 | 11801532.859254247 | 0.7352696902868748 26495196.55505655 | 11283022.427580003 | 37778218.982636556 | 0.7013352473612943 | 21574269.326940157 | 9951371.39559 | 31525640.722530156 | 0.6843403918995328 Obligations à vue Banques locales | 0 | 700000 | 700000 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 559823.446471347 | 738538.01936 | 1298361.465831347 | 0.4311768804020145 | 669056.003174808 | 628760.8368 | 1297816.839974808 | 0.515524211558077 559823.446471347 | 1438538.01936 | 1998361.465831347 | 0.280141233727429 | 669056.003174808 | 628760.8368 | 1297816.839974808 | 0.515524211558077 Obligations à terme Banques locales | 0 | 1414978.35488 | 1414978.35488 | 0 | 0 | 1843963.11702 | 1843963.11702 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 508147.8566501106 | 69123.67443999999 | 577271.5310901107 | 0.880257953636709 | 286361.68415161996 | 122265.60062000001 | 408627.28477161995 | 0.7007894353204199 508147.8566501106 | 1484102.02932 | 1992249.8859701105 | 0.25506230931601837 | 286361.68415161996 | 1966228.71764 | 2252590.40179162 | 0.12712550134452288 Autres passifs | 165207.406082769 | 75249.046740806 | 240456.452823575 | 0.6870574864712952 | 168651.96300930998 | 51038.51492078931 | 219690.4779300993 | 0.7676798949063752 27728375.264260776 | 13580911.523000808 | 42009286.78726158 | 0.660053464003793 | 16605368.690802557 | 9352886.7764 | 35295738.442226686 | 0.47046384134965225 AVOIR DES ACTIONNAIRES Capital versé | 0 | 728180.76157 | 728180.76157 | 0 | 0 | 735436.76157 | 735436.76157 | 0 Réserves | 0 | 385030.98121999996 | 385030.98121999996 | 0 | 0 | 294604.93022 | 294604.93022 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1198668.70404 | 1198668.70404 | 0 | 0 | 1273607.57601 | 1273607.57601 | 0 BNR | 0 | 1090457.486888 | 1090457.486888 | 0 | 0 | 932746.2181299999 | 932746.2181299999 | 0 0 | 3402337.9337179996 | 3402337.9337179996 | 0 | 3236395.48593 | 3236395.48593 | 0 27728375.264260776 | 17683249.45671881 | 45411624.720979586 | 0.610600819385584 | 22698338.977275893 | 15833794.950880788 | 38532133.92815668 | 0.5890755757155064 *Converties au taux de 117,7047 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 | 0.005310425586076509 | 424369.73957 | 0.06821572273115621 | 453318.42806000006 | -0.15828757240705577 | 381563.7545550001 | 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 | 234 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 30906.28536 | 0.8058265617618695 | 55811.39102848001 | -0.17455043992486788 | 46069.48817164 | 0.9759618348498449 | 91031.550378227 | 66252.85307142 | 0.025321278698013937 | 67930.46002858 | -0.24205222611579758 | 51487.740957592 | -0.3062345168371399 | 35720.417482408 453034.34527999995 | 0.05992213526703335 | 480181.13059848 | 0.03999904288038434 | 499387.91623164003 | -0.053182326674668164 | 472829.30493322713 | 451625.49194142 | 0.014833464489265258 | 458324.66263858 | 0.02112054252826742 | 468004.72816759197 | -0.013711844857443424 | 461587.51994240796 Dépenses d'intérêt | 123859.60638000001 | -0.02952006156321149 | 120203.26317446727 | -0.06887547634142045 | 111924.20616553271 | 0.23365037037466702 | 138075.33839000002 | 101241.38868 | 0.029113268936916552 | 104188.85645618774 | 0.15404750597655026 | 120238.88994381226 | 0.013361132383528165 | 121845.41767000001 329174.73889999994 | 0.09357682982280878 | 359977.86742401274 | 0.0763542571069221 | 387463.71006610733 | -0.13603788471928674 | 334753.9665432271 | 350384.10326142004 | 0.010707400495772847 | 354135.8061823923 | -0.01798735922041118 | 347765.8382237797 | -0.023072237320241402 | 339742.10227240797 AUTRES REVENUS Commissions | 100420.25478 | 0.32027501145521386 | 132582.35303 | -0.15876394971838437 | 111533.055 | -0.05999667524573753 | 104841.44252000001 | 60585.13935000001 | 0.18693364414948704 | 71910.54023 | 0.46931522224777394 | 105659.25139999994 | -0.03265680534624632 | 102208.75779400003 Gains sur change | 110398.42405999989 | -0.4471810104206695 | 61030.34523999959 | 0.5126476528514735 | 92317.40848000048 | 0.6714629791368159 | 154305.13060417195 | 83927.00016 | -0.8327380794829115 | 14037.791229999588 | -0.3879051284337516 | 8592.460020000406 | 3.4428020510007795 | 38174.599 Autres | 49457.89650999999 | 0.1835749484041291 | 58537.127309999996 | 0.046036036338592955 | 61231.94463 | -0.01936246296216962 | 60046.34337 | 41561.57994 | 0.46955011835866184 | 61076.82471999999 | -0.16169662560676784 | 51200.90825999997 | 0.06595953948415409 | 54578.09658999999 260276.57534999988 | -0.03122351582762321 | 252149.8255799996 | 0.05128927811174617 | 265082.4081100005 | 0.20412711944927475 | 319192.91649417195 | 186073.71945 | -0.20985533790274552 | 147025.15617999958 | 0.12533544584329762 | 165452.6196800003 | 0.1783521697092034 | 194961.453384 PRODUIT NET BANCAIRE | 589451.3142499998 | 0.03847031672643781 | 612127.6930040123 | 0.06602940143704704 | 652546.1181761078 | 0.002146614349965743 | 653946.883037399 | 536457.82271142 | -0.06579615182164207 | 501160.9623623919 | 0.024059127599546107 | 513218.45790378 | 0.041863454873355466 | 534703.555656408 Dotation à la provision pour créances douteuses | 128533.94244999999 | -1.265131228647798 | -34078.36208471388 | 2.189570005332132 | 40538.5973668234 | -0.14036278692962056 | 34848.48686219829 | 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 | 0.40199978266197 | 646206.0550887262 | -0.05292202697597168 | 612007.5208092844 | 0.01158625527434649 | 619098.3961752007 | 454385.19779897504 | 0.017880194458834854 | 462509.69349483686 | 0.040895028482585236 | 481424.04058378 | 0.29217652646108233 | 622084.8445164079 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 177431.53713 | 0.06439978407912902 | 188858.08980999998 | 0.0686634562652098 | 201825.73899999997 | -0.038246368814237014 | 194106.63735000003 | 135595.80228 | 0.15533427507222083 | 156658.47793 | 0.08968186711400157 | 170707.90273 | -0.14744032799588033 | 145538.67355999997 Frais de locaux | 60601.48412000001 | 0.20719133586291108 | 73157.5865700978 | 0.18969381578091396 | 87035.1283199022 | 0.02460858666947476 | 89176.93981845137 | 59566.53534 | 0.058481214615817366 | 63050.05867713921 | 0.013716812543350781 | 63914.9045128608 | 0.0653568102616608 | 68092.17880000001 Amortissement | 20015.33565 | 0.013115497765834549 | 20277.846740000005 | 0.014939500918626324 | 20580.78765 | 0.09427311349767538 | 22521.002580000004 | 30866.0522 | 0.04354827599235379 | 32210.215559999997 | -0.05439350962232451 | 30458.18888999999 | 0.05675126043254446 | 32186.729500000012 Autres dépenses d'exploitation | 169975.38253 | 0.38833107570380093 | 235982.10567103996 | -0.08568139958660995 | 215762.82857974997 | -0.014483398704044524 | 212637.84950791704 | 97268.79323000001 | 0.1443687042235139 | 111311.36287000001 | 0.21681314645464989 | 135445.12969 | 0.18201415135184562 | 160098.06002526602 428023.73943 | 0.21085720497962637 | 518275.6287911377 | 0.013369053788378561 | 525204.4835496522 | -0.012875088665621513 | 518442.4292563684 | 323297.18305 | 0.12351772326133549 | 363230.1150371392 | 0.10267874067079522 | 400526.12582286075 | 0.013456091163423514 | 405915.641885266 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 32893.63236999983 | 2.889215543561119 | 127930.4262975885 | -0.32148246690186716 | 86803.03725963226 | 0.1595903795136247 | 100655.96691883227 | 131088.01474897505 | -0.24264946228828377 | 99279.57845769764 | -0.18515050106312364 | 80897.91476091923 | 1.6721232960082497 | 216169.20263114193 Impôts sur le revenu | 9868.0897109996 | 2.889215543561252 | 38379.12788927651 | -0.3214824669018671 | 26040.91117788965 | 0.1595903795136257 | 30196.79007564968 | 39326.4044246925 | -0.24264946228828377 | 29783.87353730928 | -0.18515050106312325 | 24269.37442827577 | 1.672123296008252 | 64850.76078934263 BÉNÉFICE NET (PERTE NETTE) | 23025.54265900023 | 2.8892155435610616 | 89551.298408312 | -0.3214824669018671 | 60762.12608174261 | 0.15959037951362415 | 70459.17684318259 | 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.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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 | 424369.73957 | 0.08702879482547328 | 390394.20261000004 | 453318.42806000006 | 0.08835519793925126 | 416516.98720999993 | 381563.7545550001 | -0.10403092337746632 | 425867.10245999997 | 1681379.982105 | 0.039074878454053726 | 1618150.9311499998 | 1618150.9311499998 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 234 | 0 | 0 | 234 | 0 | 0 | 0 Autres | 30906.28536 | -0.5335101217953091 | 66252.85307142 | 55811.39102848001 | -0.17840404724185885 | 67930.46002858 | 46069.48817164 | -0.10523384178798526 | 51487.740957592 | 91031.550378227 | 1.5484458691743808 | 35720.417482408 | 223818.714938347 | 0.01096358130447881 | 221391.47154 | 221391.47154 453034.34527999995 | 0.003119516864567688 | 451625.49194142 | 480181.13059848 | 0.04768774133617872 | 458324.66263858 | 499387.91623164003 | 0.06705741667808489 | 468004.72816759197 | 472829.30493322713 | 0.02435461208358017 | 461587.51994240796 | 1905432.697043347 | 0.03581885052336621 | 1839542.40269 | 1839542.40269 Dépenses d'intérêt | 123859.60638000001 | 0.22340880537989088 | 101241.38868 | 120203.26317446727 | 0.15370556183245676 | 104188.85645618774 | 111924.20616553271 | -0.06915136843133704 | 120238.88994381226 | 138075.33839000002 | 0.13320091169908668 | 121845.41767000001 | 494062.41411 | 0.10401418473200696 | 447514.55275000003 | 447514.55275000003 329174.73889999994 | -0.06053175404934363 | 350384.10326142004 | 359977.86742401274 | 0.016496669186316586 | 354135.8061823923 | 387463.71006610733 | 0.1141511542510479 | 347765.8382237797 | 334753.9665432271 | -0.014682124163643851 | 339742.10227240797 | 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999 | 1392027.8499399999 AUTRES REVENUS Commissions | 100420.25478 | 0.6575063762727812 | 60585.13935000001 | 132582.35303 | 0.8437123765993991 | 71910.54023 | 111533.055 | 0.055591947909637195 | 105659.25139999994 | 104841.44252000001 | 0.025757917255056634 | 102208.75779400003 | 449377.10533000005 | 0.3202850954773396 | 340363.688774 | 340363.688774 Gains sur change | 110398.42405999989 | 0.31541010460917557 | 83927.00016 | 61030.34523999959 | 3.3475746461860854 | 14037.791229999588 | 92317.40848000048 | 9.744002097782948 | 8592.460020000406 | 154305.13060417195 | 3.0420891023418988 | 38174.599 | 418051.30838417186 | 1.8884541115166125 | 144731.85041 | 144731.85041 Autres | 49457.89650999999 | 0.18999076987447142 | 41561.57994 | 58537.127309999996 | -0.04158201448164599 | 61076.82471999999 | 61231.94463 | 0.1959152036729912 | 51200.90825999997 | 60046.34337 | 0.10019123277747156 | 54578.09658999999 | 229273.31182 | 0.1000679471020839 | 208417.40950999997 | 208417.40950999997 260276.57534999988 | 0.3987820317631635 | 186073.71945 | 252149.8255799996 | 0.7150114451930815 | 147025.15617999958 | 265082.4081100005 | 0.6021650707174829 | 165452.6196800003 | 319192.91649417195 | 0.6372103867397991 | 194961.453384 | 1096701.7255341718 | 0.5813716637871624 | 693512.948694 | 693512.948694 PRODUIT NET BANCAIRE | 589451.3142499998 | 0.09878407825378457 | 536457.82271142 | 612127.6930040123 | 0.2214193422379533 | 501160.9623623919 | 652546.1181761078 | 0.27147827231585936 | 513218.45790378 | 653946.883037399 | 0.2230082933235906 | 534703.555656408 | 2508072.0084675187 | 0.20260030880732272 | 2085540.798634 | 2085540.798634 Dotation à la provision pour créances douteuses | 128533.94244999999 | 0.5661000557386815 | 82072.62491244498 | -34078.36208471388 | -1.8816880553517934 | 38651.268867555 | 40538.5973668234 | 0.2750224971515022 | 31794.417320000022 | 34848.48686219829 | 1.3988094856100328 | -87381.28886 | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999 | 65137.02223999999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 460917.37179999985 | 0.014375851221972921 | 454385.19779897504 | 646206.0550887262 | 0.3971729980529371 | 462509.69349483686 | 612007.5208092844 | 0.2712442030671287 | 481424.04058378 | 619098.3961752007 | -0.004800709047218172 | 622084.8445164079 | 2338229.343873211 | 0.15730794566542727 | 2020403.7763939998 | 2020403.7763939998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 177431.53713 | 0.308532669496736 | 135595.80228 | 188858.08980999998 | 0.20554018081541553 | 156658.47793 | 201825.73899999997 | 0.18228702814782669 | 170707.90273 | 194106.63735000003 | 0.3337117386189271 | 145538.67355999997 | 762222.0032899999 | 0.2526227287076956 | 608500.8565 | 608500.8565 Frais de locaux | 60601.48412000001 | 0.017374668076506696 | 59566.53534 | 73157.5865700978 | 0.16030957155355344 | 63050.05867713921 | 87035.1283199022 | 0.36173446527467173 | 63914.9045128608 | 89176.93981845137 | 0.30965026218916286 | 68092.17880000001 | 309971.1388284514 | 0.21736965736583627 | 254623.67733000003 | 254623.67733000003 Amortissement | 20015.33565 | -0.35154209160574146 | 30866.0522 | 20277.846740000005 | -0.3704529327899969 | 32210.215559999997 | 20580.78765 | -0.32429378108042833 | 30458.18888999999 | 22521.002580000004 | -0.30030161716181836 | 32186.729500000012 | 83394.97262 | -0.3366673098319316 | 125721.18615 | 125721.18615 Autres dépenses d'exploitation | 169975.38253 | 0.7474811487388285 | 97268.79323000001 | 235982.10567103996 | 1.1200181148320165 | 111311.36287000001 | 215762.82857974997 | 0.5929906750695065 | 135445.12969 | 212637.84950791704 | 0.3281725554598188 | 160098.06002526602 | 834358.166288707 | 0.6550675012667521 | 504123.345815266 | 504123.345815266 428023.73943 | 0.32393278342856263 | 323297.18305 | 518275.6287911377 | 0.4268520349369863 | 363230.1150371392 | 525204.4835496522 | 0.31128645471165206 | 400526.12582286075 | 518442.4292563684 | 0.2772171746042461 | 405915.641885266 | 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266 | 1492969.065795266 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 32893.63236999983 | -0.7490721601590429 | 131088.01474897505 | 127930.4262975885 | 0.28858752509811264 | 99279.57845769764 | 86803.03725963226 | 0.07299474301858912 | 80897.91476091923 | 100655.96691883227 | -0.5343649063156072 | 216169.20263114193 | 348283.0628460529 | -0.33966601771300053 | 527434.7105987337 | 527434.7105987337 Impôts sur le revenu | 9868.0897109996 | -0.7490721601590516 | 39326.4044246925 | 38379.12788927651 | 0.2885875250981119 | 29783.87353730928 | 26040.91117788965 | 0.07299474301858806 | 24269.37442827577 | 30196.79007564968 | -0.5343649063156075 | 64850.76078934263 | 104484.91885381544 | -0.33966601771300353 | 158230.41317962017 | 158230.41317962017 BÉNÉFICE NET (PERTE NETTE) | 23025.54265900023 | -0.7490721601590391 | 91761.61032428255 | 89551.298408312 | 0.288587525098113 | 69495.70492038837 | 60762.12608174261 | 0.07299474301858963 | 56628.54033264346 | 70459.17684318259 | -0.534364906315607 | 151318.4418417993 | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136 | 369204.2974191136 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1681379.982105 | 0.039074878454053726 | 1618150.9311499998 | 1618150.9311499998 | -0.18117403792312956 | 1976184.2028625 | 0.10786429930434596 | 1783778.21553 | 0.41118161231659467 | 1264031.64551 Intérêts sur Bons B.R.H. | 234 | 0 | 0 | 0 | -1 | 23511.14286 | 0.04762359467558138 | 22442.35714 | -0.2789359630205743 | 31123.944600000003 Autres | 223818.714938347 | 0.01096358130447881 | 221391.47154 | 221391.47154 | 3.670571433222289 | 47401.3672 | 0.9432274826592743 | 24393.112810000002 | 0.08939996835998403 | 22391.32873 1905432.697043347 | 0.03581885052336621 | 1839542.40269 | 1839542.40269 | -0.10138959675050671 | 2047096.7129225 | 0.11825707912029326 | 1830613.68548 | 0.38941062310837204 | 1317546.91884 Dépenses d'intérêt | 494062.41411 | 0.10401418473200696 | 447514.55275000003 | 447514.55275000003 | -0.1464333401215379 | 524287.76073999994 | 0.18438654030396023 | 442666.0916 | 0.15133832571097428 | 384479.59363 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999 | 1392027.8499399999 | -0.08588149029138811 | 1522808.9521825002 | 0.097166030545502 | 1387947.59388 | 0.4875106612136728 | 933067.3252099999 AUTRES REVENUS Commissions | 449377.10533000005 | 0.3202850954773396 | 340363.688774 | 340363.688774 | 0.049111274854980895 | 324430.4936299999 | 0.2884041580356194 | 251808.01506000003 | 0.12171206691205605 | 224485.42945 Gains sur change | 418051.30838417186 | 1.8884541115166125 | 144731.85041 | 144731.85041 | -0.3908119661197053 | 237581.57147 | 0.4532383765439991 | 163484.23996 | 0.050628347786426206 | 155606.15730999998 Autres | 229273.31182 | 0.1000679471020839 | 208417.40950999997 | 208417.40950999997 | 0.005116413736305116 | 207356.487926859 | 0.33716438074966887 | 155071.80038000003 | 0.25836634605021336 | 123232.63481 1096701.7255341718 | 0.5813716637871624 | 693512.948694 | 693512.948694 | -0.0985946254684142 | 769368.553026859 | 0.3489078523493135 | 570364.0554000001 | 0.13319413403329824 | 503324.22157 PRODUIT NET BANCAIRE | 2508072.0084675187 | 0.20260030880732272 | 2085540.798634 | 2085540.798634 | -0.09014864952899274 | 2292177.5052093593 | 0.17048658013759438 | 1958311.64928 | 0.36335503621558013 | 1436391.54678 Dotation à la provision pour créances douteuses | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999 | 65137.02223999999 | -0.5093216673652304 | 132748.92716423233 | -0.23997048830030338 | 174662.85864 | 2.9449199995853053 | 44275.386739999994 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2338229.343873211 | 0.15730794566542727 | 2020403.7763939998 | 2020403.7763939998 | -0.06438036574332207 | 2159428.578045127 | 0.21068037013625956 | 1783648.79064 | 0.28124997168968285 | 1392116.16004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 762222.0032899999 | 0.2526227287076956 | 608500.8565 | 608500.8565 | 0.03772653703583535 | 586378.8144400001 | 0.21340878298354737 | 483249.1924099999 | 0.3468627523064355 | 358796.16656000004 Frais de locaux | 309971.1388284514 | 0.21736965736583627 | 254623.67733000003 | 254623.67733000003 | -0.07233048407209214 | 274476.71068 | 0.27471728024617753 | 215323.59758 | 0.38336549129692954 | 155651.99430999998 Amortissement | 83394.97262 | -0.3366673098319316 | 125721.18615 | 125721.18615 | 0.05704353549281257 | 118936.6208 | 0.3058370156924815 | 91080.75462 | 0.5061696738011746 | 60471.77566 Autres dépenses d'exploitation | 834358.166288707 | 0.6550675012667521 | 504123.345815266 | 504123.345815266 | 0.12895125386205997 | 446541.286960528 | 0.167405553078459 | 382507.42065 | 0.2923777344801969 | 295971.84355999995 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266 | 1492969.065795266 | 0.04671813152424318 | 1426333.4328805283 | 0.21684092471391048 | 1172160.96526 | 0.3459318276478233 | 870891.78009 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 348283.0628460529 | -0.33966601771300053 | 527434.7105987337 | 527434.7105987337 | -0.2805371661814633 | 733095.1451645987 | 0.19887120354199625 | 611487.82538 | 0.1731757931942072 | 521224.37995 Impôts sur le revenu | 104484.91885381544 | -0.33966601771300353 | 158230.41317962017 | 158230.41317962017 | -0.2805371661814629 | 219928.54354937957 | 0.19887120354199594 | 183446.34761400003 | 0.17317579319420734 | 156367.313985 BÉNÉFICE NET (PERTE NETTE) | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136 | 369204.2974191136 | -0.2805371661814634 | 513166.60161521914 | 0.19887120354199642 | 428041.477766 | 0.17317579319420726 | 364857.06596499996 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.sept. 22 | 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 | 0.06284865176222203 | 42014928 | 0.10029856530992984 | 46228965 | -0.009792107610455913 | 45776286 | 0.17680518514976562 | 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 | 0.03505679057261749 | 12495100 | 0.11998775520003842 | 13994359 | 0.03686614013546458 | 14510277 | 0.2171181591149883 | 11921831 | 0.4975784283343544 | 7960739 | -0.3096787581337181 | 11531934 | 0.2434758389385495 | 9273951 Dépôts | 31432427 | 0.07714011393393198 | 33857128 | 0.12339053093930472 | 38034777 | -0.026463281222866116 | 37028252 | 0.19574335313889535 | 30966722 | 0.5078596434812641 | 20536873 | -0.1483042224540113 | 24112921 | 0.27677891446696967 | 18885745 Avoir des Actionnaires | 4313138 | -0.04042625114243968 | 4138774 | 0.09343539898530338 | 4525482 | 0.034516323344121136 | 4681685 | 0.16174216472289643 | 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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 382934 | 0.30316591174378676 | 293849 | 384947 | 0.31970818434576315 | 291691 | 407273 | 0.1647886196068113 | 349654 | 485908 | 0.25268243386079703 | 387894 | 1661062 | 0.2554433265209873 | 1323088 Autres revenus | 500534 | 0.1624267871823574 | 430594 | 619934 | 0.35106614826696425 | 458848 | 764416 | 0.550555279465309 | 492995 | 512196 | 0.14577032516687843 | 447032 | 2397080 | 0.31025997160924834 | 1829469 Dot. à la prov. pr créances douteuses | 21624 | 0.14219311219099937 | 18932 | 23478 | -0.16129032258064516 | 27993 | 31055 | 0.0639281921271712 | 29189 | 112929 | 5.1244644503498025 | 18439 | 189086 | 0.9997884784195108 | 94553 Dépenses d'exploitation | 490253 | 0.11555256205756466 | 439471 | 563850 | 0.2520762459696402 | 450332 | 631615 | 0.3234163277535772 | 477261 | 680315 | 0.2654080446407812 | 537625 | 2366033 | 0.2422148707741789 | 1904689 Bénéfice (perte) net | 315758 | 0.37110823555976274 | 230294 | 343487 | 0.4229486600577486 | 241391 | 386709 | 0.30247589280000536 | 296903 | 152273 | -0.40679867703946676 | 256697 | 1198227 | 0.16867700200432076 | 1025285 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. 21-sept 22) | (oct. 20-sept. 21) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.10910914587701796 | 0.12033321974357897 | 0.0985072258126921 | 0.10337781237774364 | 0.09789278215508394 | 0.10145767053468073 | 0.10227315077505414 | 0.10359921313727577 | 0.10227315077505414 | 0.10359921313727577 | 0.10359921313727577 | 0.13037541849237627 | 0.0952248361272378 | 0.09312712293315437 Dépôts en % de l'actif | 0.7951438750190043 | 0.7893861214229783 | 0.8058356782141815 | 0.7938251442710883 | 0.8227477513286313 | 0.7932708684865774 | 0.8088959423226253 | 0.7960846586962368 | 0.8088959423226253 | 0.7960846586962368 | 0.7960846586962368 | 0.7838680058422708 | 0.8030180295838499 | 0.8201738656576502 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.005374122210170579 | 0.00952266469451586 | 0.005062584551945037 | 0.013330043549093564 | 0.005208969928074696 | 0.010570565513785244 | 0.006870518254882838 | 0.004266541929389752 | 0.006870518254882838 | 0.004266541929389752 | 0.004266541929389752 | 0.007614790344608182 | 0.00771156692827035 | 0.003676423186317951 Provisions pour créances douteuses en % des prêts improductifs bruts | 3.40737826468541 | 3.5923840828029934 | 3.5374082066727732 | 1.4805886283780385 | 3.3656886397024137 | 1.861731810268762 | 3.231813411536236 | 4.266213712168005 | 3.231813411536236 | 4.266213712168005 | 4.266213712168005 | 4.6709410548086865 | 0.8499374413512668 | 0.97007335534968 Prêts improductifs nets en % de l'avoir des actionnaires | -0.03688590534316315 | -0.06370398588499479 | -0.03948923038561661 | -0.019318737505888715 | -0.03878636573960519 | -0.028838518396343743 | -0.048604081650089656 | -0.04199030095910973 | -0.048604081650089656 | -0.04199030095910973 | -0.04199030095910973 | -0.06755074569100036 | 0.004697840350367332 | 0.0004775244090052523 Rentabilité ROA (rendement de l'actif) | 0.032208179420769825 | 0.03336798146833412 | 0.03369773639519513 | 0.03089614726902001 | 0.03505819943823195 | 0.03367184546570979 | 0.013240374726003411 | 0.027038860349803677 | 0.028301767134140763 | 0.031499650789018965 | 0.031499650789018965 | 0.03708833677721373 | 0.035819170004876506 | 0.02473652191211013 ROE (rendement avoir des action.) | 0.3027756971964951 | 0.26673392134850654 | 0.3251212270075694 | 0.2777222418048247 | 0.35706147186786724 | 0.32892527328689025 | 0.13230823335777445 | 0.26365356523203864 | 0.27508870963298454 | 0.2754054352069889 | 0.2754054352069889 | 0.33232252197036666 | 0.37978477122949955 | 0.26492047330513085 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7923433610666821 | 0.7646304208669223 | 0.7910417090497356 | 0.7877494031608171 | 0.7889157065263712 | 0.7959235703587021 | 0.8209208894655571 | 0.79286147909074 | 0.7993268773615595 | 0.7860901596732269 | 0.7860901596732269 | 0.7121990318744932 | 0.7543258814124651 | 0.7883236027626626 Rendement moyen des prêts | 0.15380860495812324 | 0.16635889327623654 | 0.1521980832473955 | 0.14637929929962457 | 0.1448978198601099 | 0.15199273738950833 | 0.14490838322525623 | 0.15763842318655025 | 0.14536228814988364 | 0.15817093593204473 | 0.15817093593204473 | 0.17517687234157814 | 0.1642953644965965 | 0.15362525833686036 Rendement moyen des prêts productifs | 0.15455414737226594 | 0.16780375965483182 | 0.15299606513244987 | 0.14809219444648028 | 0.14564642878934778 | 0.15381702411472062 | 0.14579140680521516 | 0.15881153727301772 | 0.14619540671723333 | 0.15906512222369967 | 0.15906512222369967 | 0.1765311040190458 | 0.1652731115919503 | 0.15432852191630367 Rémunération moyenne des dépôts | 0.012866713935473704 | 0.016658034825003665 | 0.012459695888569006 | 0.012704894008246105 | 0.01212609402964075 | 0.012812880223162095 | 0.011296959519179542 | 0.01343180660724761 | 0.012266024250557107 | 0.013981043459199304 | 0.013981043459199304 | 0.023385415843127966 | 0.020726968599444458 | 0.017076611398330867 Dépenses d'exploitation en % du produit net bancaire | 0.5549187972852441 | 0.6066329580104991 | 0.5611112161539525 | 0.6000114584318736 | 0.5390636935227693 | 0.5663817318954867 | 0.6816073274929266 | 0.6439193413548027 | 0.5830335656071177 | 0.6041727397791697 | 0.6041727397791697 | 0.583526490831943 | 0.5863579816296305 | 0.6648575227664645 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4370.8991960420535 | 3739.0606451612903 | 4996.300807955252 | 3800.1974683544304 | 5832.925948973242 | 4179.288282703038 | 4981.180286961946 | 4115.47011706716 | 5034.915632754342 | 3980.501262626263 | 3980.501262626263 | 4014.313700384123 | 3603.8797953964195 | 2915.209173036831 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept. 22 | 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 | 0.6002287811199726 | 1547202 | 0.21116699694028318 | 1873920 | -0.3321785348360656 | 1251444 | 0.05776062520127089 | 1183107 | -0.023615958432744118 | 1211723 | 0.3364999740800914 | 906639 | 0.36873896043116594 | 662390 Avoirs à la BRH | 14461309 | 0.30846861788237845 | 18922169 | -0.037490046727729785 | 18212776 | -0.030300213432592593 | 17660925 | 0.26996385035173137 | 13906636 | 0.43938520589584795 | 9661511 | -0.0971563002280118 | 10701200 | 0.34097948443742254 | 7980137 Avoirs à l'étranger | 5558614 | -0.5596123422133646 | 2447945 | 0.6273931808108434 | 3983769 | 0.24405983379056365 | 4956047 | -0.16414665005769627 | 5929326 | 0.6611487659175332 | 3569413 | 0.0525028771668686 | 3391357 | 1.211371421082043 | 1533599 Avoirs dans les banques locales | 31621 | -0.5346446981436387 | 14715 | 0.5618076792388719 | 22982 | 0.6951962405360718 | 38959 | -0.35693181255467704 | 60583 | 4.275426680599095 | 11484 | 4.04126426690079 | 2278 | 0.494750656167979 | 1524 Autres liquidités | 134420 | 2.155148043445916 | 424115 | -0.4507126604812374 | 232961 | -0.054957696781864775 | 220158 | -0.1725125537480831 | 266056 | 0.792491982644784 | 148428 | 4.312954146830369 | 27937 | -0.892342552379778 | 259499 21152827 | 0.1041619165135705 | 23356146 | 0.04154204208177154 | 24326408 | -0.008175271910263118 | 24127533 | 0.13032245170785622 | 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 | 0.006344471785116106 | 3893426 | 0.4323875681726069 | 5576895 | -0.16137581934033185 | 4676919 | 0.3435743027843237 | 3480953 | 0.41816572188909884 | 2454546 | 0.13000863661223822 | 2172148 | 0.4658966059922202 | 1481788 Portefeuille net | 12071898 | 0.03505679057261749 | 12495100 | 0.11998775520003842 | 13994359 | 0.03686614013546458 | 14510277 | 0.2171181591149883 | 11921831 | 0.4975784283343544 | 7960739 | -0.3096787581337181 | 11531934 | 0.2434758389385495 | 9273951 Immobilisations | 1173813 | 0.04713101660997109 | 1229136 | 0.038282989026438084 | 1276191 | 0.0817314963042366 | 1380496 | 0.1980206783914801 | 1152314 | 0.3935096110241077 | 826915 | 0.028277427176920448 | 804175 | 0.017281161370956113 | 790514 Autres actifs | 1263072 | -0.17572394922854753 | 1041120 | 0.013439372982941448 | 1055112 | 0.024593597646505774 | 1081061 | 0.27487517305955134 | 847974 | 1.3910636894003265 | 354643 | -0.27653701943280523 | 490202 | -0.18721232540556315 | 603112 39530490 | 0.06284865176222203 | 42014928 | 0.10029856530992984 | 46228965 | -0.009792107610455913 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402 | -0.12749715514287227 | 30027870 | 0.30405627182646927 | 23026514 PASSIF Dépôts À vue | 14240123 | 0.10683650695994691 | 15761488 | 0.1346303090165091 | 17883462 | -0.013709146472869738 | 17638295 | 0.2193429014455864 | 14465410 | 0.7091304323168086 | 8463608 | -0.12352628005108719 | 9656431 | 0.21007103586906 | 7980053 Épargne | 7872921 | 0.035730702746795 | 8154226 | 0.11138359422463885 | 9062473 | 0.04042461698920372 | 9428820 | 0.2742180720789557 | 7399691 | 0.5216271314979276 | 4863012 | -0.12856025176536448 | 5580434 | 0.32483274693863984 | 4212180 À terme | 9319383 | 0.06674594230111586 | 9941414 | 0.11541899371658801 | 11088842 | -0.10169727370991488 | 9961137 | 0.09443548572281794 | 9101621 | 0.2623164540828179 | 7210253 | -0.18767378213927446 | 8876056 | 0.3260685870138128 | 6693512 31432427 | 0.07714011393393198 | 33857128 | 0.12339053093930472 | 38034777 | -0.026463281222866116 | 37028252 | 0.19574335313889535 | 30966722 | 0.5078596434812641 | 20536873 | -0.1483042224540113 | 24112921 | 0.27677891446696967 | 18885745 Obligations à vue Banques locales | 300000 | 0 | 300000 | 0 | 0 | 0 | 300000 | 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 | 0.20058191890398028 | 1546532 | -0.11110019062004536 | 1374712 | 0.25270747618410255 | 1722112 | 0.2799628968686057 | 1345439 | 0.5299545825667105 | 879398 | -0.15489224707493454 | 1040575 | 0.7425776232652931 | 597147 1588152 | 0.16269223600763655 | 1846532 | -0.2555168283030026 | 1374712 | 0.4709350031133794 | 2022112 | 0.22891945553739762 | 1645439 | 0.8710970459336955 | 879398 | -0.3895507002412231 | 1440575 | 1.412429435298176 | 597147 Obligations à terme Banques locales | 552436 | -0.030354647416171283 | 535667 | -0.03130302968075315 | 518899 | -0.032108367909747366 | 502238 | -0.11764850563242704 | 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 | -0.3491003048389309 | 147117 | 0.39476063269370637 | 205193 | -0.6119994346785709 | 79615 | -0.6055206790108164 | 201823 | 1.4073835510228425 | 83835 | -0.5356250657774478 | 180533 | 0.011587706272938671 | 178465 778457 | -0.12290081533084037 | 682784 | 0.06049936729624596 | 724092 | -0.19643774547985615 | 581853 | -0.2453532755662253 | 771027 | 0.09058158070799038 | 706987 | -0.10524170941209376 | 790143 | 0.1124371903514243 | 710281 Autres passifs | 1418316 | 0.05033716040713071 | 1489710 | 0.05383061132703681 | 1569902 | -0.06848707753732398 | 1462384 | -0.015699575085026746 | 1485709 | 1.249758474589104 | 660386 | -0.19936908364369957 | 824832 | 0.19723404378850073 | 688948 35217352 | 0.07549693117188368 | 37876154 | 0.10104851194764917 | 41703483 | -0.014600267320597658 | 41094601 | 0.1785460549555095 | 34868897 | 0.5304354737986601 | 22783644 | -0.16139395551556804 | 27168471 | 0.30103982253526834 | 20882121 AVOIR DES ACTIONNAIRES Capital versé | 810000 | 0 | 810000 | 1.5 | 2025000 | 0 | 2025000 | 1.5 | 810000 | 0 | 810000 | 0 | 810000 | 0 | 810000 Réserves | 605876 | 0.2903812001135546 | 781811 | -0.41570149307185494 | 456811 | -0.03158198905017611 | 442384 | -0.26984399448071883 | 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 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 2895878 | -0.1209646953359223 | 2545579 | -0.1977121904289751 | 2042287 | 0.08354849244988584 | 2212917 | -0.15299030897301294 | 2612623 | 0.16636725736015637 | 2239966 | 0.3255883867226105 | 1689790 | 0.5778288431209785 | 1070959 4313138 | -0.04042625114243968 | 4138774 | 0.09343539898530338 | 4525482 | 0.034516323344121136 | 4681685 | 0.16174216472289643 | 4029883 | 0.17979171826575535 | 3415758 | 0.19457200621529208 | 2859399 | 0.3334304859230561 | 2144393 39530490 | 0.06284865176222203 | 42014928 | 0.10029856530992984 | 46228965 | -0.009792107610455913 | 45776286 | 0.17680518514976562 | 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 | 278392 | 315246 | 323187 | 240645 | 244796 | 435120 | 154018 Portefeuille brut | 12297078 | 0.03463180440101299 | 12722948 | 0.1195583759361431 | 14244083 | 0.04182087397272257 | 14839783 | 0.22209999213529272 | 12142855 | 0.47108893500878507 | 8254331 | -0.2889111895683819 | 11608017 | 0.24721579466268062 | 9307144 Provisions pour créances douteuses | 225180 | 0.011848299138467005 | 227848 | 0.096011376005056 | 249724 | 0.319480706700197 | 329506 | 0.4908154770522658 | 221024 | -0.24717294749175728 | 293592 | 2.8588383738811562 | 76083 | 1.2921399090169614 | 33193 Portefeuille de crédit improductif | 66086 | -0.02534576158339134 | 64411 | 0.15193057086522488 | 74197 | 0.37413911613677103 | 101957 | 0.9679779184681903 | 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 | 1547202 | 0.03682505418074262 | 1873920 | 0.04053562522976666 | 1251444 | 0.027338259814262782 | 1183107 | 0.030415015586607086 | 1211723 | 0.04625002509599265 | 906639 | 0.030193250470313078 | 662390 | 0.028766403807367454 Avoirs à la BRH | 14461309 | 0.36582670743519746 | 18922169 | 0.45036775976386295 | 18212776 | 0.3939689326810583 | 17660925 | 0.38580947785934405 | 13906636 | 0.35750828175073873 | 9661511 | 0.36876837875917934 | 10701200 | 0.35637559374008215 | 7980137 | 0.3465629665002701 Avoirs à l'étranger | 5558614 | 0.14061586385597546 | 2447945 | 0.058263696179605494 | 3983769 | 0.08617473914892967 | 4956047 | 0.10826669074900484 | 5929326 | 0.15242961347373876 | 3569413 | 0.13624024701021803 | 3391357 | 0.11294031178368628 | 1533599 | 0.06660144040908668 Avoirs dans les banques locales | 31621 | 0.0007999141928167347 | 14715 | 0.0003502326601630735 | 22982 | 0.0004971342101212951 | 38959 | 0.0008510738507706807 | 60583 | 0.001557452444523967 | 11484 | 0.0004383306153323652 | 2278 | 7.58628567394224e-05 | 1524 | 6.618457314033726e-05 Autres liquidités | 134420 | 0.003400413200038755 | 424115 | 0.010094388356443214 | 232961 | 0.005039286516581109 | 220158 | 0.004809433425857222 | 266056 | 0.0068397003710656224 | 148428 | 0.005665320147383517 | 27937 | 0.0009303690205132765 | 259499 | 0.011269573848651168 21152827 | 0.535101563375511 | 23356146 | 0.5559011311408174 | 24326408 | 0.526215717786457 | 24127533 | 0.5270749356992396 | 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 | 3893426 | 0.09266768230567954 | 5576895 | 0.12063638024342531 | 4676919 | 0.10216903573173236 | 3480953 | 0.08948745950387132 | 2454546 | 0.09368710018648517 | 2172148 | 0.07233773158069487 | 1481788 | 0.0643513820633032 Portefeuille net | 12071898 | 0.30538194694778636 | 12495100 | 0.29739667767608696 | 13994359 | 0.30271841474279165 | 14510277 | 0.3169824000138412 | 11921831 | 0.3064834167035573 | 7960739 | 0.303851935246461 | 11531934 | 0.38404102588695105 | 9273951 | 0.40275097654816533 Immobilisations | 1173813 | 0.0296938641539733 | 1229136 | 0.02925474488496089 | 1276191 | 0.027605874369023835 | 1380496 | 0.030157448771619435 | 1152314 | 0.02962339692915819 | 826915 | 0.031562361614207834 | 804175 | 0.026780953827227838 | 790514 | 0.03433059819649644 Autres actifs | 1263072 | 0.03195184274214663 | 1041120 | 0.024779763992455253 | 1055112 | 0.022823612858302148 | 1081061 | 0.023616179783567413 | 847974 | 0.02179950116687464 | 354643 | 0.01353630132474016 | 490202 | 0.016324900833792073 | 603112 | 0.02619206711011489 39530490 | 1 | 42014928 | 1 | 46228965 | 1 | 45776286 | 1 | 38898780 | 1 | 26199402 | 1 | 30027870 | 1 | 23026514 | 1 PASSIF Dépôts À vue | 14240123 | 0.36023138089105394 | 15761488 | 0.37514018826832213 | 17883462 | 0.3868453901141849 | 17638295 | 0.3853151170892283 | 14465410 | 0.3718731024469148 | 8463608 | 0.3230458466189419 | 9656431 | 0.32158228339206213 | 7980053 | 0.34655931853167177 Épargne | 7872921 | 0.19916072378561459 | 8154226 | 0.19407925678225607 | 9062473 | 0.1960345207815057 | 9428820 | 0.2059760811525863 | 7399691 | 0.19022938508611323 | 4863012 | 0.18561538160298469 | 5580434 | 0.1858418196162432 | 4212180 | 0.1829273853610668 À terme | 9319383 | 0.23575177034233574 | 9941414 | 0.2366162331636032 | 11088842 | 0.23986784043294068 | 9961137 | 0.21760474408081076 | 9101621 | 0.2339821711632087 | 7210253 | 0.2752067776203442 | 8876056 | 0.2955939265755447 | 6693512 | 0.29068716176491155 31432427 | 0.7951438750190043 | 33857128 | 0.8058356782141815 | 38034777 | 0.8227477513286313 | 37028252 | 0.8088959423226253 | 30966722 | 0.7960846586962368 | 20536873 | 0.7838680058422708 | 24112921 | 0.8030180295838499 | 18885745 | 0.8201738656576502 Obligations à vue Banques locales | 300000 | 0.007589078708612011 | 300000 | 0.0071403192693796835 | 0 | 0 | 300000 | 0.00655361162327586 | 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 | 1546532 | 0.036809107467707665 | 1374712 | 0.029737027424256633 | 1722112 | 0.037620177399276124 | 1345439 | 0.034588205594108606 | 879398 | 0.033565575275344074 | 1040575 | 0.03465364010167887 | 597147 | 0.02593301791143896 1588152 | 0.04017536843079861 | 1846532 | 0.04394942673708735 | 1374712 | 0.029737027424256633 | 2022112 | 0.04417378902255198 | 1645439 | 0.04230052973383741 | 879398 | 0.033565575275344074 | 1440575 | 0.04797459826487859 | 597147 | 0.02593301791143896 Obligations à terme Banques locales | 552436 | 0.013974934284902615 | 535667 | 0.012749444673569357 | 518899 | 0.011224542881286657 | 502238 | 0.010971575981502737 | 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 | 147117 | 0.003501541166511103 | 205193 | 0.004438624139649244 | 79615 | 0.0017392192979570251 | 201823 | 0.005188414649508288 | 83835 | 0.0031998821957844687 | 180533 | 0.006012181350192338 | 178465 | 0.007750413284442447 778457 | 0.019692571480899933 | 682784 | 0.01625098584008046 | 724092 | 0.0156631670209359 | 581853 | 0.012710795279459763 | 771027 | 0.019821367148275603 | 706987 | 0.0269848525550316 | 790143 | 0.02631365461486279 | 710281 | 0.030846223618564234 Autres passifs | 1418316 | 0.03587903919227917 | 1489710 | 0.03545668339595869 | 1569902 | 0.03395927207109223 | 1462384 | 0.031946322600308816 | 1485709 | 0.03819423128437447 | 660386 | 0.0252061478349773 | 824832 | 0.027468881409170882 | 688948 | 0.029919769879192308 35217352 | 0.8908908541229821 | 37876154 | 0.9014927741873079 | 41703483 | 0.9021072178449161 | 41094601 | 0.8977268492249458 | 34868897 | 0.8964007868627242 | 22783644 | 0.8696245815076237 | 27168471 | 0.9047751638727622 | 20882121 | 0.9068728770668456 AVOIR DES ACTIONNAIRES Capital versé | 810000 | 0.02049051251325243 | 810000 | 0.019278862027325146 | 2025000 | 0.04380370618290935 | 2025000 | 0.04423687845711205 | 810000 | 0.02082327517726777 | 810000 | 0.030916736191154287 | 810000 | 0.026974940280479434 | 810000 | 0.035176840054903666 Réserves | 605876 | 0.015326802172196702 | 781811 | 0.018607933827709998 | 456811 | 0.009881488802528891 | 442384 | 0.009664043081170894 | 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 | 1384 | 3.2940672896071606e-05 | 1384 | 2.993794042328224e-05 | 1384 | 3.02339949553793e-05 | 1384 | 3.5579522031282215e-05 | 1384 | 5.282563319575004e-05 | 1384 | 4.609051524467103e-05 | 1384 | 6.010462547652675e-05 BNR | 2895878 | 0.07325682024179311 | 2545579 | 0.06058748928476088 | 2042287 | 0.04417764922922242 | 2212917 | 0.048341995241815816 | 2612623 | 0.06716465143636896 | 2239966 | 0.08549683691253716 | 1689790 | 0.05627405473648314 | 1070959 | 0.046509819072048854 4313138 | 0.10910914587701796 | 4138774 | 0.0985072258126921 | 4525482 | 0.09789278215508394 | 4681685 | 0.10227315077505414 | 4029883 | 0.10359921313727577 | 3415758 | 0.13037541849237627 | 2859399 | 0.0952248361272378 | 2144393 | 0.09312712293315437 39530490 | 1 | 42014928 | 1 | 46228965 | 1 | 45776286 | 1 | 38898780 | 1 | 26199402 | 1 | 30027870 | 1 | 23026514 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 574839 | 676605 | 1251444 | 0.45934056977379734 | 375961 | 807146 | 1183107 | 0.3177743010564556 Avoirs à la BRH | 12062158 | 5598767 | 17660925 | 0.6829856307073384 | 10281806 | 3624830 | 13906636 | 0.7393453024872442 Avoirs à l'étranger | 4956047 | 0 | 4956047 | 1 | 5929326 | 0 | 5929326 | 1 Avoirs dans les banques locales | 925 | 38034 | 38959 | 0.023742909212248774 | 2177 | 58406 | 60583 | 0.03593417295280854 Autres liquidités | 83641 | 136517 | 220158 | 0.37991351665621964 | 112057 | 153999 | 266056 | 0.4211782481883513 17677610 | 6449923 | 24127533 | 0.7326737466279706 | 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 | 2786625 | 1890294 | 4676919 | 0.5958249437289805 | 1804836 | 1676117 | 3480953 | 0.5184890459595404 Portefeuille net | 8428803 | 6081474 | 14510277 | 0.5808850513329277 | 6436797 | 5485034 | 11921831 | 0.5399168131136903 Immobilisations | 0 | 1380496 | 1380496 | 0 | 0 | 1152314 | 1152314 | 0 Autres actifs | 319339 | 761722 | 1081061 | 0.29539406194470064 | 160317 | 687657 | 847974 | 0.18905886265380778 29212377 | 16563909 | 45776286 | 0.6381552448357213 | 25103277 | 13795503 | 38898780 | 0.6453486973113296 PASSIF Dépôts À vue | 11970887 | 5667408 | 17638295 | 0.6786873107633136 | 11021236 | 3444174 | 14465410 | 0.7619027735819448 Épargne | 6724675 | 2704145 | 9428820 | 0.7132043034016982 | 5204080 | 2195611 | 7399691 | 0.7032834208887911 À terme | 8446262 | 1514875 | 9961137 | 0.8479214772369861 | 7123837 | 1977784 | 9101621 | 0.7826998069904251 27141824 | 9886428 | 37028252 | 0.7330031134064876 | 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 | 963411 | 758701 | 1722112 | 0.5594357393711907 | 891033 | 454406 | 1345439 | 0.6622619085666462 963411 | 1058701 | 2022112 | 0.47643800145590354 | 891033 | 754406 | 1645439 | 0.5415168839440416 Obligations à terme Banques locales | 0 | 502238 | 502238 | 0 | 0 | 569204 | 569204 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 79615 | 79615 | 0 | 0 | 201823 | 201823 | 0 0 | 581853 | 581853 | 0 | 0 | 771027 | 771027 | 0 Autres passifs | 1112595 | 349789 | 1462384 | 0.7608090624623902 | 876279 | 609430 | 1485709 | 0.5898052714226003 29217830 | 11876771 | 41094601 | 0.7109895044363613 | 25116465 | 9752432 | 34868897 | 0.7203114282622706 AVOIR DES ACTIONNAIRES Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 810000 | 810000 | 0 Réserves | 0 | 442384 | 442384 | 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 | 2212917 | 2212917 | 0 | 0 | 2612623 | 2612623 | 0 0 | 4681685 | 4681685 | 0 | 0 | 4029883 | 4029883 | 0 29217830 | 16558456 | 45776286 | 0.6382743676496604 | 25116465 | 13782315 | 38898780 | 0.645687731080512 *Converties au taux de 117,7047 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 | 0.013015978411693099 | 476000 | 0.026119747899159666 | 488433 | 0.07857577190730355 | 526812 | 358998 | -0.008679714093114724 | 355882 | 0.19270994318341472 | 424464 | 0.11617710807041351 | 473777 Intérêts sur Bons B.R.H. | 1417 | 0 | 0 | 0 | 936 | 0 | 6249 | 2418 | -0.7096774193548387 | 702 | 0.027065527065527065 | 721 | 2.6740638002773927 | 2649 Autres | 11992 | -0.11332555036691128 | 10633 | 1.5275086993322675 | 26875 | 1.1895813953488372 | 58845 | 22886 | -0.4013807567945469 | 13700 | 0.03072992700729927 | 14121 | -0.09305289993626514 | 12807 483293 | 0.006910921532072676 | 486633 | 0.0608487299463867 | 516244 | 0.14656247820797919 | 591906 | 384302 | -0.03647652106936732 | 370284 | 0.18640286914908558 | 439306 | 0.11364971113529067 | 489233 Dépenses d'intérêt | 100359 | 0.013222531113303241 | 101686 | 0.07164211395865704 | 108971 | -0.027282488001394867 | 105998 | 90453 | -0.13111781809337447 | 78593 | 0.140712277174812 | 89652 | 0.13035961272475796 | 101339 382934 | 0.005256780541816605 | 384947 | 0.05799759447404448 | 407273 | 0.1930768796360181 | 485908 | 293849 | -0.007343907925499151 | 291691 | 0.19871370731356128 | 349654 | 0.1093652582267041 | 387894 AUTRES REVENUS Commissions | 234086 | -0.08308057722375538 | 214638 | 0.23561997409591964 | 265211 | -0.17385779624525377 | 219102 | 174262 | -0.030052449759557447 | 169025 | 0.1594024552580979 | 195968 | -0.01879388471587198 | 192285 Gains sur change | 173268 | 0.20205115774407276 | 208277 | 0.11775184009756239 | 232802 | -0.0518208606455271 | 220738 | 154685 | -0.08687978795616899 | 141246 | -0.05973974484233182 | 132808 | 0.5547180892717306 | 206479 Autres | 93180 | 1.1143915003219576 | 197019 | 0.35216908013947895 | 266403 | -0.728396451991907 | 72356 | 101647 | 0.46169586903696125 | 148577 | 0.105278744354779 | 164219 | -0.7060754236720477 | 48268 500534 | 0.23854523369041863 | 619934 | 0.23306029351511612 | 764416 | -0.32995123074346955 | 512196 | 430594 | 0.06561633464470011 | 458848 | 0.07441897970569775 | 492995 | -0.09323218288217933 | 447032 PRODUIT NET BANCAIRE | 883468 | 0.13742772799920314 | 1004881 | 0.16599776490947685 | 1171689 | -0.1481493809364089 | 998104 | 724443 | 0.03602215771289115 | 750539 | 0.12272513486974028 | 842649 | -0.009165144680644017 | 834926 Dotation à la provisions pour créances douteuses | 21624 | 0.08573806881243064 | 23478 | 0.3227276599369623 | 31055 | 2.6364192561584288 | 112929 | 18932 | 0.4786076484259455 | 27993 | 0.04272496695602472 | 29189 | -0.36828942409811916 | 18439 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 861844 | 0.13872464158246736 | 981403 | 0.16224833223456622 | 1140634 | -0.22396228764003176 | 885175 | 705511 | 0.024145619274540016 | 722546 | 0.12582451497897712 | 813460 | 0.003721141789393455 | 816487 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 184811 | 0.08939944050949349 | 201333 | 0.02039407350012169 | 205439 | 0.31608409308845936 | 270375 | 168095 | 0.004384425473690472 | 168832 | 0.08417243176648977 | 183043 | 0.057123189633037044 | 193499 Frais de locaux | 71384 | 0.023170458366020396 | 73038 | 0.16238122621101345 | 84898 | -0.23173690781879433 | 65224 | 52095 | 0.14412131682503118 | 59603 | 0.1007499622502223 | 65608 | 0.220735276185831 | 80090 Amortissement | 21445 | 0.05465143390067615 | 22617 | 0.11102268205332272 | 25128 | 0.07545367717287488 | 27024 | 24464 | 0.07680673642903858 | 26343 | -0.1406825342595756 | 22637 | -0.02363387374652118 | 22102 Autres dépenses d'exploitation | 212613 | 0.2551537300165089 | 266862 | 0.1846947111241016 | 316150 | 0.004877431598924561 | 317692 | 194817 | 0.0037830374145993418 | 195554 | 0.053279401086145005 | 205973 | 0.1745908444310662 | 241934 490253 | 0.15012044801357666 | 563850 | 0.12018267269663918 | 631615 | 0.07710393198388259 | 680315 | 439471 | 0.02471380364119589 | 450332 | 0.059798104509561835 | 477261 | 0.12648006017671673 | 537625 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 371591 | 0.12368975567223103 | 417553 | 0.2190524316673572 | 509019 | -0.5975395810372501 | 204860 | 266040 | 0.02320703653585927 | 272214 | 0.2350540383668731 | 336199 | -0.17054482612976243 | 278862 Impôts sur le revenu | 55833 | 0.32656314366055916 | 74066 | 0.6513649987848675 | 122310 | -0.5700515084621045 | 52587 | 35746 | -0.13772170312762266 | 30823 | 0.2748921260097979 | 39296 | -0.43594767915309446 | 22165 BÉNÉFICE NET | 315758 | 0.0878172524528278 | 343487 | 0.12583300095782374 | 386709 | -0.6062336278700522 | 152273 | 230294 | 0.04818623151276195 | 241391 | 0.22996714873379703 | 296903 | -0.1354179647898472 | 256697 0 | 0 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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 | 476000 | 0.3375219876251117 | 355882 | 488433 | 0.15070536017188738 | 424464 | 526812 | 0.1119408498090874 | 473777 | 1961129 | 0.21573583134805138 | 1613121 | 1613121 Intérêts sur Bons B.R.H. | 1417 | -0.41397849462365593 | 2418 | 0 | 0 | 702 | 936 | 0 | 721 | 6249 | 0 | 2649 | 8602 | 0.3254237288135593 | 6490 | 6490 Autres | 11992 | -0.4760115354365114 | 22886 | 10633 | -0.22386861313868614 | 13700 | 26875 | 0.9031938247999434 | 14121 | 58845 | 3.594752869524479 | 12807 | 108345 | 0.7058443807664452 | 63514 | 63514 483293 | 0.25758648146509777 | 384302 | 486633 | 0.3142155750721068 | 370284 | 516244 | 0.1751353270840826 | 439306 | 591906 | 0.2098652380358643 | 489233 | 2078076 | 0.23465339769773486 | 1683125 | 1683125 Dépenses d'intérêt | 100359 | 0.10951543895724851 | 90453 | 101686 | 0.29383023933429187 | 78593 | 108971 | 0.2154887788337126 | 89652 | 105998 | 0.045974402747214795 | 101339 | 417014 | 0.15825317953432563 | 360037 | 360037 382934 | 0.30316591174378676 | 293849 | 384947 | 0.31970818434576315 | 291691 | 407273 | 0.1647886196068113 | 349654 | 485908 | 0.25268243386079703 | 387894 | 1661062 | 0.2554433265209873 | 1323088 | 1323088 AUTRES REVENUS Commissions | 234086 | 0.3432991702149637 | 174262 | 214638 | 0.2698594882413844 | 169025 | 265211 | 0.35333830013063355 | 195968 | 219102 | 0.13946485685310867 | 192285 | 933037 | 0.275442217787134 | 731540 | 731540 Gains sur change | 173268 | 0.12013446681966578 | 154685 | 208277 | 0.47456919133993175 | 141246 | 232802 | 0.7529215107523644 | 132808 | 220738 | 0.06905787029189409 | 206479 | 835085 | 0.3146431618751358 | 635218 | 635218 Autres | 93180 | -0.08329808061231517 | 101647 | 197019 | 0.326039696588301 | 148577 | 266403 | 0.6222422496787826 | 164219 | 72356 | 0.4990469876522748 | 48268 | 628958 | 0.35928905947773015 | 462711 | 462711 500534 | 0.1624267871823574 | 430594 | 619934 | 0.35106614826696425 | 458848 | 764416 | 0.550555279465309 | 492995 | 512196 | 0.14577032516687843 | 447032 | 2397080 | 0.31025997160924834 | 1829469 | 1829469 PRODUIT NET BANCAIRE | 883468 | 0.2195134744900565 | 724443 | 1004881 | 0.33887912553511546 | 750539 | 1171689 | 0.3904828700918176 | 842649 | 998104 | 0.1954400749287961 | 834926 | 4058142 | 0.2872541241918861 | 3152557 | 3152557 Dotation à la provisions pour créances douteuses | 21624 | 0.14219311219099937 | 18932 | 23478 | -0.16129032258064516 | 27993 | 31055 | 0.0639281921271712 | 29189 | 112929 | 5.1244644503498025 | 18439 | 189086 | 0.9997884784195108 | 94553 | 94553 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 861844 | 0.22158832392407773 | 705511 | 981403 | 0.35825677534717515 | 722546 | 1140634 | 0.40220047697489736 | 813460 | 885175 | 0.08412626287987439 | 816487 | 3869056 | 0.26522267465967997 | 3058004 | 3058004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 184811 | 0.09944376691751688 | 168095 | 201333 | 0.19250497536012132 | 168832 | 205439 | 0.12235376386969182 | 183043 | 270375 | 0.39729404286327064 | 193499 | 861958 | 0.20812256734350057 | 713469 | 713469 Frais de locaux | 71384 | 0.3702658604472598 | 52095 | 73038 | 0.22540811704108854 | 59603 | 84898 | 0.2940190220704792 | 65608 | 65224 | -0.1856161817954801 | 80090 | 294544 | 0.1443223670919517 | 257396 | 257396 Amortissement | 21445 | -0.12340582079790713 | 24464 | 22617 | -0.14144174923129485 | 26343 | 25128 | 0.1100410831824005 | 22637 | 27024 | 0.22269477875305402 | 22102 | 96214 | 0.006991396814100014 | 95546 | 95546 Autres dépenses d'exploitation | 212613 | 0.09134726435578004 | 194817 | 266862 | 0.3646460824120192 | 195554 | 316150 | 0.5349099153772582 | 205973 | 317692 | 0.31313498722792166 | 241934 | 1113317 | 0.3280999859235242 | 838278 | 838278 490253 | 0.11555256205756466 | 439471 | 563850 | 0.2520762459696402 | 450332 | 631615 | 0.3234163277535772 | 477261 | 680315 | 0.2654080446407812 | 537625 | 2366033 | 0.2422148707741789 | 1904689 | 1904689 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 371591 | 0.39674860923169447 | 266040 | 417553 | 0.5339144937438927 | 272214 | 509019 | 0.5140407913170474 | 336199 | 204860 | -0.2653714023423772 | 278862 | 1503023 | 0.30321984887043 | 1153315 | 1153315 Impôts sur le revenu | 55833 | 0.5619369999440497 | 35746 | 74066 | 1.4029458521234144 | 30823 | 122310 | 2.1125305374592833 | 39296 | 52587 | 1.3725242499436048 | 22165 | 304796 | 1.3806607826290713 | 128030 | 128030 BÉNÉFICE NET | 315758 | 0.37110823555976274 | 230294 | 343487 | 0.4229486600577486 | 241391 | 386709 | 0.30247589280000536 | 296903 | 152273 | -0.40679867703946676 | 256697 | 1198227 | 0.16867700200432076 | 1025285 | 1025285 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1961129 | 0.21573583134805138 | 1613121 | 1613121 | -0.07276549221940183 | 1739712 | 0.01256015253775612 | 1718132 | 0.3123114842874612 | 1309241 Intérêts sur Bons B.R.H. | 8602 | 0.3254237288135593 | 6490 | 6490 | -0.38617232573536364 | 10573 | 0.8033429984649497 | 5863 | -0.7533445519562474 | 23770 Autres | 108345 | 0.7058443807664452 | 63514 | 63514 | -0.0034831178611773564 | 63736 | -0.29067942796728063 | 89855 | 0.5501328364903564 | 57966 2078076 | 0.23465339769773486 | 1683125 | 1683125 | -0.07215792981448396 | 1814021 | 9.427460925655374e-05 | 1813850 | 0.30401149695501795 | 1390977 Dépenses d'intérêt | 417014 | 0.15825317953432563 | 360037 | 360037 | -0.3103756725540485 | 522077 | 0.1715849520663531 | 445616 | 0.5134510948012648 | 294437 1661062 | 0.2554433265209873 | 1323088 | 1323088 | 0.024106308013350425 | 1291944 | -0.0557580063059389 | 1368234 | 0.2477739070166159 | 1096540 AUTRES REVENUS Commissions | 933037 | 0.275442217787134 | 731540 | 731540 | -0.16122515200887919 | 872153 | 0.1736305111932867 | 743124 | 0.15711930042555577 | 642219 Gains sur change | 835085 | 0.3146431618751358 | 635218 | 635218 | 0.6725153897598197 | 379798 | 0.6977475000782273 | 223707 | 0.16853058090397663 | 191443 Autres | 628958 | 0.35928905947773015 | 462711 | 462711 | -0.2174471150919017 | 591284 | 0.22376228607381682 | 483169 | 1.8881948221960536 | 167291 2397080 | 0.31025997160924834 | 1829469 | 1829469 | -0.007468391170957583 | 1843235 | 0.2711965517241379 | 1450000 | 0.44861946564923627 | 1000953 PRODUIT NET BANCAIRE | 4058142 | 0.2872541241918861 | 3152557 | 3152557 | 0.005542905205731475 | 3135179 | 0.1124622724727613 | 2818234 | 0.3436202170877328 | 2097493 Dotation à la provisions pour créances douteuses | 189086 | 0.9997884784195108 | 94553 | 94553 | -0.3132408483439861 | 137680 | 0.5528811991743833 | 88661 | 0.7102486448949673 | 51841 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3869056 | 0.26522267465967997 | 3058004 | 3058004 | 0.020185161029244714 | 2997499 | 0.09815674466299308 | 2729573 | 0.3343291038749504 | 2045652 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 861958 | 0.20812256734350057 | 713469 | 713469 | 0.1465198757494484 | 622291 | 0.06851801293641513 | 582387 | 0.22829917682714634 | 474141 Frais de locaux | 294544 | 0.1443223670919517 | 257396 | 257396 | -0.023728247841852138 | 263652 | 0.22133486510524755 | 215872 | 0.20862213761827444 | 178610 Amortissement | 96214 | 0.006991396814100014 | 95546 | 95546 | -0.05017247721014385 | 100593 | 0.12848328472066411 | 89140 | 0.15424457450665563 | 77228 Autres dépenses d'exploitation | 1113317 | 0.3280999859235242 | 838278 | 838278 | -0.005511766185326316 | 842924 | 0.10172462243250838 | 765095 | 0.15128920856813957 | 664555 2366033 | 0.2422148707741789 | 1904689 | 1904689 | 0.041120877198736236 | 1829460 | 0.10709025267262695 | 1652494 | 0.1849793551107395 | 1394534 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1503023 | 0.30321984887043 | 1153315 | 1153315 | -0.01260574347260665 | 1168039 | 0.08445062989808547 | 1077079 | 0.6541993924296364 | 651118 Impôts sur le revenu | 304796 | 1.3806607826290713 | 128030 | 128030 | 0.021371987459214526 | 125351 | -0.01218310913575577 | 126897 | -0.02548841924187504 | 130216 BÉNÉFICE NET | 1198227 | 0.16867700200432076 | 1025285 | 1025285 | -0.01669051528357476 | 1042688 | 0.09735608546573182 | 950182 | 0.824108949476101 | 520902 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.sept. 22 | 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 | 0.01579238909862461 | 5622419 | 0.08298278730204917 | 6088983 | -0.07140946197419175 | 5654172 | -0.0609448825959384 | 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 | 96667 | 0 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 | -0.4302169231147179 | 610585 | 0.10295525569464767 | 553590 Dépôts | 4086506 | 0.037199504907126035 | 4238522 | 0.08819206317673944 | 4612326 | -0.1136693286641057 | 4088046 | -0.10085488207430972 | 4546592 | 0.5384432142712126 | 2955320 | -0.3520973112428651 | 4561364 | -0.11289473131470917 | 5141852 Avoir des Actionnaires | 483703 | -0.02497193525779249 | 471624 | -0.04113446304683392 | 452224 | 0.04189958958392301 | 471172 | -0.0155099823441532 | 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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 8960 | -0.38194109126026077 | 14497 | 5291 | -0.6295336787564767 | 14282 | 5984 | -0.6050686378035903 | 15152 | 10754 | 0 | 11822 | 30989 | -0.4441734077090022 | 55753 Autres revenus | 78627 | 0.08860952275464853 | 72227 | 62859 | 0.1822268196351326 | 53170 | 54579 | -0.37695205479452054 | 87600 | 79955 | 0 | 86422 | 276020 | -0.07814801331912805 | 299419 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 | 72505 | 0.2176096192923237 | 59547 | 81061 | 0.10482324026253938 | 73370.10758457385 | 71324.00518 | 0 | 96450.77692153188 | 305603.1095329 | 0.05592337548322032 | 289417.88450610574 Bénéfice (perte) net | 4737.895647099998 | -0.7423516424438524 | 18389 | -3002 | -1.5508256880733946 | 5450 | -14854 | -1.7332812800391977 | 20256.892415426148 | 18948.994820000007 | 0 | 1237.223078468116 | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426 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. 21-sept 22) | (oct. 20-sept. 21) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.08738975625690153 | 0.09774861660546523 | 0.08388275580315163 | 0.09590143887199921 | 0.07426921704330591 | 0.07513263547909292 | 0.08333174158833513 | 0.07948592365318863 | 0.08333174158833513 | 0.07948592365318863 | 0.07948592365318863 | 0.11160061304732567 | 0.07009944531499442 | 0.05500245014563468 Dépôts en % de l'actif | 0.7383017332585607 | 0.7474389698137938 | 0.7538609271205152 | 0.7544537073720813 | 0.7574870877451949 | 0.79655945746365 | 0.7230140858820708 | 0.7551062267558127 | 0.7230140858820708 | 0.7551062267558127 | 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 | -0.002152467589525793 | 0.00452794510635063 | -0.01014669294077686 | 0.014202235996729092 | 0.012908963439552664 | 0.0007894553515114816 | 0.0009988419942406658 | 0.009096352708335505 | 0.009096352708335505 | 0.008412710989497203 | 0.012102312249806381 | 0.005161310613850931 ROE (rendement avoir des action.) | 0.03938817827408972 | 0.16287360444981777 | -0.02513903616248677 | 0.0467715809008893 | -0.12862722006217472 | 0.16899227209281942 | 0.16416787441141184 | 0.010223019778993838 | 0.012278570359045997 | 0.09865834630528723 | 0.09865834630528723 | 0.09764153412958018 | 0.19389415785068315 | 0.08867020109884818 Revenus nets d'intérêt en % des revenus d'intérêt | 0.928016571724495 | 0.9650512581547064 | 0.8767191383595692 | 0.9824585540345325 | 0.8779342723004695 | 0.9609944821462548 | 0.9242801890846584 | 0.945003996802558 | 0.9076769866143347 | 0.9639843695967909 | 0.9639843695967909 | 0.9649378835503667 | 0.972605082253155 | 0.9625605445738971 Rendement moyen des prêts | 0.275055576651539 | 0.1683189517644306 | 0.24351640166758046 | 0.15758539914542669 | 0.24620604756535322 | 0.1602680412371134 | 0.24893707263078405 | 0.168980034323853 | 0.20038562638480795 | 0.21806725986208111 | 0.21806725986208111 | 0.14944610562908586 | 0.10111881804711491 | 0.09442684102508472 Rendement moyen des prêts productifs | 0.275055576651539 | 0.1683189517644306 | 0.24351640166758046 | 0.15758539914542669 | 0.24620604756535322 | 0.1602680412371134 | 0.24893707263078405 | 0.168980034323853 | 0.20038562638480795 | 0.21806725986208111 | 0.21806725986208111 | 0.14944610562908586 | 0.10111881804711491 | 0.09442684102508472 Rémunération moyenne des dépôts | 0.0006440329995095619 | 0.0006467133029080388 | 0.0007149525503097407 | 0.00028209953965227085 | 0.0007520183376779264 | 0.0005538608264819324 | 0.0008100803046122625 | 0.0005652515898471202 | 0.0007300827203178639 | 0.0005553250957889135 | 0.0005553250957889135 | 0.0007479361910118877 | 0.000495299702696508 | 0.0006607648352968561 Dépenses d'exploitation en % du produit net bancaire | 0.9215192249180815 | 0.6924265485909321 | 1.063903154805576 | 0.8828055506137698 | 1.3384574740353021 | 0.714050408601038 | 0.7862946915962031 | 0.9817472509418579 | 0.9954206864714064 | 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 | 11126.530612244898 | 10580.70588235294 | 10308.595744680852 | 15509.735849056604 | 16126.044444444444 | 15410.823529411764 | 13348.217391304348 | 14206.88 | 14206.88 | 14047.6 | 13604.16393442623 | 11050.507936507936 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept. 22 | 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 | 0.40101925254813137 | 49484 | -0.28973001374181556 | 35147 | -0.6024127237033032 | 13974 | -0.7877936553734947 | 65851 | -0.20679603464267216 | 83019 | 0.7823650650521705 | 46578 | -0.13460788138899726 | 53823 Avoirs à la BRH | 4439023 | 0.0007519672684732654 | 4442361 | 0.0903271931299595 | 4843627 | -0.18208978519609376 | 3961652 | -0.04769949467390818 | 4160086 | 0.7447119753967145 | 2384397 | -0.4278064253550897 | 4167116 | -0.027075363021301018 | 4283082 Avoirs à l'étranger | 552701 | 0.2530319286558193 | 692552 | 0.0661567651237741 | 738369 | 0.5759830112044249 | 1163657 | -0.067155725897025 | 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 | -0.4532118896845037 | 58111 | 0.5543872932835435 | 90327 | 0.3886545551164104 | 125433 | 0.8844819038175508 | 66561 | 0.3598030603280966 | 48949 | -0.37389357892044 | 78180 | -0.367869531117346 | 123677 5133321 | 0.021270245909032377 | 5242508 | 0.0886907564089554 | 5707470 | -0.07757447695739093 | 5264716 | -0.04967773041052707 | 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 | 96667 | 0 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 | -0.4302169231147179 | 610585 | 0.10295525569464767 | 553590 Immobilisations | 268082 | -0.006397296349624369 | 266367 | -0.001445374239301415 | 265982 | -0.004207051604995827 | 264863 | -0.03324086578822499 | 273970 | -0.058227830696197094 | 290909 | 0.018649569477174763 | 285583 | -0.05521186216387889 | 302272 Autres actifs | 36938 | -0.5430992473875143 | 16877 | 0.11773419446584109 | 18864 | 0.48038592027141647 | 27926 | -0.144738453999755 | 32652 | -0.1781938991241317 | 39732 | 0.33127827106718044 | 29845 | -0.13135223237673904 | 34358 5535008 | 0.01579238909862461 | 5622419 | 0.08298278730204917 | 6088983 | -0.07140946197419175 | 5654172 | -0.0609448825959384 | 6021129 | 0.5258089579107736 | 3946188 | -0.36875899387600625 | 6251476 | -0.034843942551418323 | 6477166 PASSIF Dépôts À vue | 3474785 | 0.03390396815918107 | 3592594 | 0.08309372002514061 | 3891116 | -0.13953631811541983 | 3348164 | -0.15608382590872188 | 3967413 | 0.5555657933481097 | 2550463 | -0.3659919145084682 | 4022761 | -0.1511405630574598 | 4739019 Épargne | 607299 | 0.05632480870213848 | 641505 | 0.11735216405172212 | 716787 | 0.026048184467631248 | 735458 | 0.2795959342888659 | 574758 | 0.4347428856714928 | 400600 | -0.23595839921269005 | 524317 | 0.43826601709514246 | 364548 À terme | 4422 | 0.0002261420171867933 | 4423 | 0 | 4423 | 0.00022609088853719196 | 4424 | 0.0006785795068988917 | 4421 | 0.03852478271082922 | 4257 | -0.7020159596808064 | 14286 | -0.6268512472247617 | 38285 4086506 | 0.037199504907126035 | 4238522 | 0.08819206317673944 | 4612326 | -0.1136693286641057 | 4088046 | -0.10085488207430972 | 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 | -0.037688653538834486 | 835216 | 0.12403498017279363 | 938812 | 0.07822332905842704 | 1012249 | 0.11901537604370603 | 904589 | 0.9166239379621586 | 471970 | -0.5900308625621399 | 1151233 | 0.2878378212091144 | 893927 867927 | -0.037688653538834486 | 835216 | 0.12403498017279363 | 938812 | 0.07822332905842704 | 1012249 | 0.11901537604370603 | 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 | -0.20454826988190603 | 77057 | 0.11113850785781954 | 85621 | -0.03405706543955338 | 82705 | -0.09466574715663416 | 91353 | 0.1637176596476478 | 78501 | -0.22009060742742464 | 100654 | 0.1823980640689793 | 85127 96872 | -0.20454826988190603 | 77057 | 0.11113850785781954 | 85621 | -0.03405706543955338 | 82705 | -0.09466574715663416 | 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 | 0.019695900366340974 | 5150795 | 0.09434737744367618 | 5636759 | -0.0804999823480124 | 5183000 | -0.06486816319033857 | 5542534 | 0.5809653228044683 | 3505791 | -0.3969310803885812 | 5813251 | -0.0502629839438802 | 6120906 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 Réserves | 59288 | 0 | 59288 | 0 | 59288 | 0 | 59288 | 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 | -0.037678817635645616 | 308499 | -0.06288513090804185 | 289099 | 0.06554156188710442 | 308047 | -0.02352997115415095 | 315470 | 0.13776364003577715 | 277272 | 0.007895310796074155 | 275100 | 0.4243922644782147 | 193135 483703 | -0.02497193525779249 | 471624 | -0.04113446304683392 | 452224 | 0.04189958958392301 | 471172 | -0.0155099823441532 | 478595 | 0.08673537739812033 | 440397 | 0.004956358035255862 | 438225 | 0.23007073485656543 | 356260 5535008 | 0.01579238909862461 | 5622419 | 0.08298278730204917 | 6088983 | -0.07140946197419175 | 5654172 | -0.0609448825959384 | 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 | 369426.42164 | 173041.25823 | 15890.1345 | 523955.56958 | 614449.38489 | 1660053.0692000003 | 1660069.13821 Portefeuille brut | 96667 | 0 | 96667 | 0 | 96667 | 0 | 96667 | -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 | 49484 | 0.008801193934496878 | 35147 | 0.005772228301507821 | 13974 | 0.002471449400548834 | 65851 | 0.010936653242273999 | 83019 | 0.021037771135080235 | 46578 | 0.007450720437861395 | 53823 | 0.008309652709224992 Avoirs à la BRH | 4439023 | 0.8019903494267759 | 4442361 | 0.7901156068233264 | 4843627 | 0.7954738911243471 | 3961652 | 0.7006599728483676 | 4160086 | 0.6909146108645073 | 2384397 | 0.6042279283196847 | 4167116 | 0.6665811401979309 | 4283082 | 0.661258643054694 Avoirs à l'étranger | 552701 | 0.09985550156386404 | 692552 | 0.12317687458014068 | 738369 | 0.12126310748445183 | 1163657 | 0.20580502326423744 | 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 | 58111 | 0.010335586871060303 | 90327 | 0.014834496992354881 | 125433 | 0.022184150040005856 | 66561 | 0.011054571327071718 | 48949 | 0.01240412266217423 | 78180 | 0.012505846619262396 | 123677 | 0.01909430760304738 5133321 | 0.92742792783678 | 5242508 | 0.9324292622090242 | 5707470 | 0.9373437239026616 | 5264716 | 0.9311205955531597 | 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 | 96667 | 0.017193133418195977 | 96667 | 0.015875721774884246 | 96667 | 0.017096579304626745 | 174580 | 0.02899456231547273 | 347901 | 0.08816128375029268 | 610585 | 0.09767053412666064 | 553590 | 0.08546793458744148 Immobilisations | 268082 | 0.04843389566916615 | 266367 | 0.047375871488766666 | 265982 | 0.04368250001683368 | 264863 | 0.04684381727333374 | 273970 | 0.04550143336905753 | 290909 | 0.07371899159391292 | 285583 | 0.04568249162277836 | 302272 | 0.04666732333245743 Autres actifs | 36938 | 0.0066735224230931554 | 16877 | 0.003001732884013091 | 18864 | 0.0030980543056204953 | 27926 | 0.004939007868879829 | 32652 | 0.005422903246218442 | 39732 | 0.01006845086954803 | 29845 | 0.004774072555025405 | 34358 | 0.005304480385403122 5535008 | 1 | 5622419 | 1 | 6088983 | 1 | 5654172 | 1 | 6021129 | 1 | 3946188 | 1 | 6251476 | 1 | 6477166 | 1 PASSIF Dépôts À vue | 3474785 | 0.6277831938092953 | 3592594 | 0.6389765686264222 | 3891116 | 0.6390420206461408 | 3348164 | 0.5921581444639463 | 3967413 | 0.6589151303684077 | 2550463 | 0.6463105660450035 | 4022761 | 0.6434897934503787 | 4739019 | 0.7316500765921392 Épargne | 607299 | 0.10971962461481537 | 641505 | 0.11409768642287244 | 716787 | 0.1177186732168574 | 735458 | 0.1300735103212283 | 574758 | 0.09545684870727732 | 400600 | 0.101515690585446 | 524317 | 0.08387091304517526 | 364548 | 0.0562820221065818 À terme | 4422 | 0.0007989148344501038 | 4423 | 0.0007866720712205903 | 4423 | 0.0007263938821967478 | 4424 | 0.0007824310968962387 | 4421 | 0.0007342476801277634 | 4257 | 0.0010787625931658602 | 14286 | 0.0022852203223686692 | 38285 | 0.005910764059466748 4086506 | 0.7383017332585607 | 4238522 | 0.7538609271205152 | 4612326 | 0.7574870877451949 | 4088046 | 0.7230140858820708 | 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 | 835216 | 0.14855100624837814 | 938812 | 0.1541820694851669 | 1012249 | 0.1790269202988519 | 904589 | 0.15023577804096208 | 471970 | 0.119601498965584 | 1151233 | 0.1841537902408967 | 893927 | 0.13801205650742934 867927 | 0.1568068194300713 | 835216 | 0.14855100624837814 | 938812 | 0.1541820694851669 | 1012249 | 0.1790269202988519 | 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 | 77057 | 0.013705310827955014 | 85621 | 0.014061625726332296 | 82705 | 0.014627252230742184 | 91353 | 0.015172071550036546 | 78501 | 0.01989286876347503 | 100654 | 0.0161008376261862 | 85127 | 0.013142630588748228 96872 | 0.017501691054466407 | 77057 | 0.013705310827955014 | 85621 | 0.014061625726332296 | 82705 | 0.014627252230742184 | 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 | 5150795 | 0.9161172441968484 | 5636759 | 0.9257307829566941 | 5183000 | 0.9166682584116649 | 5542534 | 0.9205140763468114 | 3505791 | 0.8883993869526743 | 5813251 | 0.9299005546850055 | 6120906 | 0.9449975498543653 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0.0187600451525996 | 103837 | 0.01846838522707041 | 103837 | 0.0170532583191643 | 103837 | 0.01836466948653136 | 103837 | 0.017245436860761496 | 103837 | 0.02631324204523454 | 103837 | 0.016609997383018025 | 103837 | 0.016031239588424936 Réserves | 59288 | 0.010711456966277195 | 59288 | 0.010544927370229789 | 59288 | 0.009736929795993847 | 59288 | 0.01048570860596388 | 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 | 308499 | 0.05486944320585143 | 289099 | 0.04747902892814777 | 308047 | 0.05448136349583989 | 315470 | 0.052393828466388945 | 277272 | 0.07026325152273535 | 275100 | 0.04400560763570075 | 193135 | 0.029817824647384365 483703 | 0.08738975625690153 | 471624 | 0.08388275580315163 | 452224 | 0.07426921704330591 | 471172 | 0.08333174158833513 | 478595 | 0.07948592365318863 | 440397 | 0.11160061304732567 | 438225 | 0.07009944531499442 | 356260 | 0.05500245014563468 5535008 | 1 | 5622419 | 1 | 6088983 | 1 | 5654172 | 1 | 6021129 | 1 | 3946188 | 1 | 6251476 | 1 | 6477166 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 5173 | 8801 | 13974 | 0.3701874910548161 | 25654 | 40197 | 65851 | 0.389576468087045 Avoirs à la BRH | 2485209 | 1476443 | 3961652 | 0.627316331671737 | 2775573 | 1384513 | 4160086 | 0.6671912551807824 Avoirs à l'étranger | 1163657 | 0 | 1163657 | 1 | 1247429 | 0 | 1247429 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 18565 | 106868 | 125433 | 0.1480073027034353 | 34830 | 31731 | 66561 | 0.5232793978455853 3672604 | 1592112 | 5264716 | 0.6975882459756614 | 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 | 264863 | 264863 | 0 | 0 | 273970 | 273970 | 0 Autres actifs | 244 | 27682 | 27926 | 0.008737377354436726 | 6480 | 26172 | 32652 | 0.19845644983461963 3672848 | 1981324 | 5654172 | 0.6495819370192488 | 4167879 | 1853250 | 6021129 | 0.6922088864065195 PASSIF Dépôts À vue | 2051942 | 1296222 | 3348164 | 0.6128558816115339 | 2906285 | 1061128 | 3967413 | 0.7325390626083041 Épargne | 735454 | 4 | 735458 | 0.999994561212197 | 574754 | 4 | 574758 | 0.9999930405492399 À terme | 0 | 4424 | 4424 | 0 | 0 | 4421 | 4421 | 0 2787396 | 1300650 | 4088046 | 0.6818406642195318 | 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 | 798860 | 213389 | 1012249 | 0.7891931728260537 | 583375 | 321214 | 904589 | 0.6449061396943805 798860 | 213389 | 1012249 | 0.7891931728260537 | 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 | 86531 | -3826 | 82705 | 1.0462608064808658 | 103732 | -12379 | 91353 | 1.135507317767342 86531 | -3826 | 82705 | 1.0462608064808658 | 103732 | -12379 | 91353 | 1.135507317767342 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 3672787 | 1510213 | 5183000 | 0.7086218406328382 | 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 | 308047 | 308047 | 0 | 0 | 315470 | 315470 | 0 0 | 471172 | 471172 | 0 | 0 | 478595 | 478595 | 0 0 3672787 | 1981385 | 5654172 | 0.649571148525372 | 4168146 | 1852983 | 6021129 | 0.6922532302496758 *Converties au taux de 117,7047 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 | -0.3689684752305383 | 5885 | 0.011045029736618521 | 5950 | 0.011092436974789916 | 6016 | 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 | -0.5440729483282675 | 150 | 4.773333333333333 | 866 | 5.488452655889145 | 5619 | 185 | -0.1945945945945946 | 149 | 0.48322147651006714 | 221 | 0.416289592760181 | 313 9655 | -0.3749352667011911 | 6035 | 0.12941176470588237 | 6816 | 0.7070129107981221 | 11635 | 15022 | -0.032285980561842634 | 14537 | 0.08461168053931348 | 15767 | -0.20657068560918374 | 12510 Dépenses d'intérêt | 695 | 0.07050359712230216 | 744 | 0.11827956989247312 | 832 | 0.05889423076923077 | 881 | 525 | -0.5142857142857142 | 255 | 1.411764705882353 | 615 | 0.11869918699186992 | 688 8960 | -0.4094866071428571 | 5291 | 0.13097713097713098 | 5984 | 0.7971256684491979 | 10754 | 14497 | -0.014830654618196869 | 14282 | 0.06091583811791065 | 15152 | -0.21977296726504753 | 11822 AUTRES REVENUS Commissions | 18353 | -0.10314390017980711 | 16460 | 0.02970838396111786 | 16949 | -0.0020650185851672667 | 16914 | 13283 | 0.15531130015809683 | 15346 | -0.038120682914114426 | 14761 | 0.2281688232504573 | 18129 Gains sur change | 48811 | -0.2729302821085411 | 35489 | -0.17825241624165233 | 29163 | 0.7883276754792031 | 52153 | 53879 | -0.4202750607843501 | 31235 | 1.0904754282055387 | 65296 | -0.12091092869394757 | 57401 Autres | 11463 | -0.048242170461484775 | 10910 | -0.223923006416132 | 8467 | 0.2859336246604464 | 10888 | 5065 | 0.300888450148075 | 6589 | 0.14478676582182426 | 7543 | 0.4439878032613019 | 10892 78627 | -0.20054179861879506 | 62859 | -0.13172338090010977 | 54579 | 0.46494072811887355 | 79955 | 72227 | -0.26384869923989646 | 53170 | 0.647545608425804 | 87600 | -0.013447488584474886 | 86422 PRODUIT NET BANCAIRE | 87587 | -0.22191649445693995 | 68150 | -0.11132795304475422 | 60563 | 0.497762660370193 | 90709 | 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 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 87587 | -0.22191649445693995 | 68150 | -0.11132795304475422 | 60563 | 0.497762660370193 | 90709 | 86724 | -0.2222222222222222 | 67452 | 0.5233351123762082 | 102752 | -0.043872625350358144 | 98244 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 31077 | 0.18016539563020884 | 36676 | 0.05330461337114189 | 38631 | -0.13882633118479978 | 33268 | 25943 | 0.04903056701229619 | 27215 | 0.13544001469777697 | 30901 | 0.09297433740008414 | 33774 Frais de locaux | 3903 | -0.24109659236484754 | 2962 | 0.3544902093180284 | 4012 | -0.5830009970089731 | 1673 | 6077 | 0.05018923811090999 | 6382 | -0.47383265434033217 | 3358 | 0.586063132817153 | 5326 Amortissement | 5887 | -0.052828265670120604 | 5576 | -0.043938307030129124 | 5331 | -0.0022509848058525606 | 5319 | 5486 | 0.14509660955158585 | 6282 | -0.07991085641515441 | 5780 | 0.017474048442906575 | 5881 Autres dépenses d'exploitation | 39846.1043529 | -0.3150898828579271 | 27291 | 0.21237770693635263 | 33087 | -0.061141681627225414 | 31064.005179999993 | 22544 | -0.12757274662881476 | 19668 | 0.6946871865250082 | 33331.10758457386 | 0.5441964174437716 | 51469.77692153188 80713.1043529 | -0.10169481670549928 | 72505 | 0.1180056547824288 | 81061 | -0.1201193523395962 | 71324.00518 | 60050 | -0.008376353039134055 | 59547 | 0.232137766546994 | 73370.10758457385 | 0.31457864921831963 | 96450.77692153188 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 6873.895647099998 | -1.633556315600647 | -4355 | -3.7067738231917335 | -20498 | 1.945701767001659 | 19384.994820000007 | 26674 | -0.7036439979005773 | 7905 | 2.7168744358540353 | 29381.892415426148 | -0.938968428135465 | 1793.223078468116 Impôts sur le revenu | 2136 | -1.6334269662921348 | -1353 | -3.171470805617147 | -5644 | 1.0772501771793055 | 436 | 8285 | -0.7036813518406759 | 2455 | 2.716904276985743 | 9125 | -0.939068493150685 | 556 BÉNÉFICE NET | 4737.895647099998 | -1.633614630545416 | -3002 | -3.948034643570953 | -14854 | 2.275682968897267 | 18948.994820000007 | 18389 | -0.7036271684159008 | 5450 | 2.716860993656174 | 20256.892415426148 | -0.9389233524523268 | 1237.223078468116 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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 | 5885 | -0.5909785932721713 | 14388 | 5950 | -0.6172648912903641 | 15546 | 6016 | -0.506763958350414 | 12197 | 27177 | -0.5229427046763095 | 56968 | 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 | 150 | 0.006711409395973154 | 149 | 866 | 2.918552036199095 | 221 | 5619 | 16.952076677316295 | 313 | 6964 | 7.023041474654378 | 868 | 868 9655 | -0.3572759952070297 | 15022 | 6035 | -0.5848524454839376 | 14537 | 6816 | -0.5677046996892243 | 15767 | 11635 | -0.06994404476418865 | 12510 | 34141 | -0.4096929248219102 | 57836 | 57836 Dépenses d'intérêt | 695 | 0.3238095238095238 | 525 | 744 | 1.9176470588235295 | 255 | 832 | 0.35284552845528455 | 615 | 881 | 0.2805232558139535 | 688 | 3152 | 0.5132021123379741 | 2083 | 2083 8960 | -0.38194109126026077 | 14497 | 5291 | -0.6295336787564767 | 14282 | 5984 | -0.6050686378035903 | 15152 | 10754 | -0.09034004398578921 | 11822 | 30989 | -0.4441734077090022 | 55753 | 55753 AUTRES REVENUS Commissions | 18353 | 0.38169088308364074 | 13283 | 16460 | 0.07259220643815978 | 15346 | 16949 | 0.14822843980760111 | 14761 | 16914 | -0.06701969220585802 | 18129 | 68676 | 0.1163380419057527 | 61519 | 61519 Gains sur change | 48811 | -0.09406262180070157 | 53879 | 35489 | 0.1361933728189531 | 31235 | 29163 | -0.5533723352119578 | 65296 | 52153 | -0.09142697862406578 | 57401 | 165616 | -0.20304507461106486 | 207811 | 207811 Autres | 11463 | 1.2631786771964462 | 5065 | 10910 | 0.6557899529518895 | 6589 | 8467 | 0.12249767996818242 | 7543 | 10888 | -0.0003672420124862284 | 10892 | 41728 | 0.38681910332679714 | 30089 | 30089 78627 | 0.08860952275464853 | 72227 | 62859 | 0.1822268196351326 | 53170 | 54579 | -0.37695205479452054 | 87600 | 79955 | -0.07483048297887113 | 86422 | 276020 | -0.07814801331912805 | 299419 | 299419 PRODUIT NET BANCAIRE | 87587 | 0.00995110926617776 | 86724 | 68150 | 0.01034809938919528 | 67452 | 60563 | -0.4105905481158518 | 102752 | 90709 | -0.07669679573307275 | 98244 | 307009 | -0.13560472109287894 | 355172 | 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 | 68150 | 0.01034809938919528 | 67452 | 60563 | -0.4105905481158518 | 102752 | 90709 | -0.07669679573307275 | 98244 | 307009 | -0.13560472109287894 | 355172 | 355172 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 31077 | 0.19789538603862314 | 25943 | 36676 | 0.3476391695756017 | 27215 | 38631 | 0.25015371670819714 | 30901 | 33268 | -0.014981938769467637 | 33774 | 139652 | 0.18516884064735686 | 117833 | 117833 Frais de locaux | 3903 | -0.3577423070594043 | 6077 | 2962 | -0.5358821685991852 | 6382 | 4012 | 0.1947587849910661 | 3358 | 1673 | -0.6858805858054825 | 5326 | 12550 | -0.4064229295748002 | 21143 | 21143 Amortissement | 5887 | 0.07309515129420342 | 5486 | 5576 | -0.11238459089461955 | 6282 | 5331 | -0.07768166089965398 | 5780 | 5319 | -0.0955619792552287 | 5881 | 22113 | -0.056169704212727815 | 23429 | 23429 Autres dépenses d'exploitation | 39846.1043529 | 0.7674815628504259 | 22544 | 27291 | 0.3875838926174497 | 19668 | 33087 | -0.007323716559807221 | 33331.10758457386 | 31064.005179999993 | -0.3964612431221813 | 51469.77692153188 | 131288.10953289998 | 0.03365977430887121 | 127012.88450610574 | 127012.88450610574 80713.1043529 | 0.3440983239450458 | 60050 | 72505 | 0.2176096192923237 | 59547 | 81061 | 0.10482324026253938 | 73370.10758457385 | 71324.00518 | -0.26051393823373686 | 96450.77692153188 | 305603.1095329 | 0.05592337548322032 | 289417.88450610574 | 289417.88450610574 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 6873.895647099998 | -0.7422997807940317 | 26674 | -4355 | -1.5509171410499685 | 7905 | -20498 | -1.697640564133238 | 29381.892415426148 | 19384.994820000007 | 9.81014127732501 | 1793.223078468116 | 1405.89046710002 | -0.9786189737852901 | 65754.11549389426 | 65754.11549389426 Impôts sur le revenu | 2136 | -0.7421846710923355 | 8285 | -1353 | -1.5511201629327902 | 2455 | -5644 | -1.6185205479452054 | 9125 | 436 | -0.2158273381294964 | 556 | -4425 | -1.216688702805935 | 20421 | 20421 BÉNÉFICE NET | 4737.895647099998 | -0.7423516424438524 | 18389 | -3002 | -1.5508256880733946 | 5450 | -14854 | -1.7332812800391977 | 20256.892415426148 | 18948.994820000007 | 14.315746327220111 | 1237.223078468116 | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426 | 45333.11549389426 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 27177 | -0.5229427046763095 | 56968 | 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 | 6964 | 7.023041474654378 | 868 | 868 | -0.8984914045140919 | 8551 | -0.7036767508750044 | 28857 | 0.48962419987610983 | 19372 34141 | -0.4096929248219102 | 57836 | 57836 | -0.2786010078331587 | 80172 | -0.0860152535996443 | 87717 | -0.04310119125539992 | 91668 Dépenses d'intérêt | 3152 | 0.5132021123379741 | 2083 | 2083 | -0.2589825684809676 | 2811 | 0.16978776529338327 | 2403 | -0.29982517482517484 | 3432 30989 | -0.4441734077090022 | 55753 | 55753 | -0.2793138661599514 | 77361 | -0.09322033898305085 | 85314 | -0.033115735074119405 | 88236 AUTRES REVENUS Commissions | 68676 | 0.1163380419057527 | 61519 | 61519 | -0.3572958346827694 | 95719 | 0.21329158850073518 | 78892 | -0.19021175697730516 | 97423 Gains sur change | 165616 | -0.20304507461106486 | 207811 | 207811 | 0.3866916676119871 | 149861 | -0.07951181160399494 | 162806 | 0.003266040572851192 | 162276 Autres | 41728 | 0.38681910332679714 | 30089 | 30089 | -0.5251704330261331 | 63368 | -0.27921287607348005 | 87915 | 562.5576923076923 | 156 276020 | -0.07814801331912805 | 299419 | 299419 | -0.03084337817367324 | 308948 | -0.06269473594791468 | 329613 | 0.268449712339574 | 259855 PRODUIT NET BANCAIRE | 307009 | -0.13560472109287894 | 355172 | 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 | 307009 | -0.13560472109287894 | 355172 | 355172 | -0.0806012803222291 | 386309 | -0.06897116842239719 | 414927 | 0.19200726246872227 | 348091 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 139652 | 0.18516884064735686 | 117833 | 117833 | 0.1395069966249867 | 103407 | -0.02111002773649384 | 105637 | 0.0926458419528341 | 96680 Frais de locaux | 12550 | -0.4064229295748002 | 21143 | 21143 | -0.3318480596637593 | 31644 | 0.22674937003295212 | 25795 | 0.4347294065298404 | 17979 Amortissement | 22113 | -0.056169704212727815 | 23429 | 23429 | 0.16417391304347825 | 20125 | 0.1053440984236832 | 18207 | -0.09566383549396514 | 20133 Autres dépenses d'exploitation | 131288.10953289998 | 0.03365977430887121 | 127012.88450610574 | 127012.88450610574 | -0.2480707303860751 | 168916 | 0.1000071633704309 | 153559 | -0.07056174606729332 | 165217 305603.1095329 | 0.05592337548322032 | 289417.88450610574 | 289417.88450610574 | -0.1069884955318066 | 324092 | 0.06891206406374713 | 303198 | 0.010629681109566714 | 300009 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1405.89046710002 | -0.9786189737852901 | 65754.11549389426 | 65754.11549389426 | 0.05685127045492813 | 62217 | -0.44314367800660526 | 111729 | 1.323717815398694 | 48082 Impôts sur le revenu | -4425 | -1.216688702805935 | 20421 | 20421 | 0.05687816996170169 | 19322 | -0.4432662940125627 | 34706 | 1.3241143775530704 | 14933 BÉNÉFICE NET | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426 | 45333.11549389426 | 0.056839153605181575 | 42895 | -0.4430884281318567 | 77023 | 1.3235391716190534 | 33149 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.sept. 22 | 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. 21-sept 22) | (oct. 20-sept. 21) 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. 21-sept 22) | (oct. 20-sept. 21) | 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.sept. 22 | 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) Septembre 2022 | 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 117,7047 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.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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-Septembre) | 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.sept. 22 | 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 | 0.030493968015290474 | 141929874.27423003 | 0.08951474346662502 | 154634690.56013808 | 0.015131813731291377 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001 | -0.07272126134615294 | 105301379.00716 | 0.21533716576034012 | 86643757.77669999 Bons B.R.H. | 5500000 | 0 | 0 | 0 | 500000 | 0 | 0 | 0 | 4950000 | 0.2222222222222222 | 4050000 | 0 | 0 | -1 | 1294000 Prêts nets | 36854833.957820006 | 0.0220687863464764 | 37668175.41427 | 0.02625802875324028 | 38657267.44738 | 0.03391263814998011 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563 | -0.10368021442179343 | 32111842.915229995 | 0.13622484120147163 | 28261873.66338 Dépôts | 111195888.19211048 | 0.046181019789983166 | 116331027.70527509 | 0.1027044385026566 | 128278740.58618236 | 0.008213011642418007 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 | 0.4628523334855173 | 76115867.49719225 | -0.11777379177081918 | 86277041.85978933 | 0.2204181114290965 | 70694658.70082822 Avoir des Actionnaires | 10450653.54064 | -0.10708181498010587 | 9331578.59178 | 0.022329338961314255 | 9539946.573199999 | 0.014353795231377899 | 9676881.012829997 | -0.009563707985374472 | 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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 1015107.8006099999 | 0.591619173898797 | 637783.0936300001 | 1043242.5093600003 | -0.045087985692300124 | 1092501.18726 | 1165495.3821799997 | 0.2044296379661745 | 967674.1134900001 | 1597193.9382399998 | 0.3741273219949797 | 1162333.2952299998 | 4821039.630389999 | 0.24887962310357487 | 3860291.68961 Autres revenus | 735473.94398 | -0.19791170788621087 | 916948.8586372 | 893017.80578 | 0.35506475323221326 | 659022.2376088668 | 1049234.46659 | 0.15545523875182413 | 908070.1972699794 | 850752.41736 | -0.08943758456677386 | 934315.3230800001 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 Dot. à la prov. pr créances douteuses | 311635.48749 | 4.983347295239178 | 52083.80394999999 | 312578.84012 | -0.19604644360901002 | 388802.11130999995 | 405439.48321000003 | 0.5968521362198704 | 253899.20207 | 786179.80375 | 0.748294240511095 | 449683.91792 | 1815833.61457 | 0.5866166393687933 | 1144469.03525 Dépenses d'exploitation | 982523.2874799999 | 0.09162267192293726 | 900057.6048399999 | 1154956.52511 | 0.233389378864767 | 936408.68399 | 1158666.93136 | 0.1257049301517244 | 1029281.2088900001 | 1178648.4996599997 | -0.001367227035738673 | 1180262.18603 | 4474795.24361 | 0.10597739337652429 | 4046009.68375 Bénéfice (perte) net | 336422.9696199999 | -0.3574693549929451 | 523590.5434772002 | 361724.9499100002 | 0.0868726657957278 | 332812.6295688667 | 488623.4342 | 0.022088123375219443 | 478063.8997999795 | 371118.0521900002 | 0.031736052360688535 | 359702.5143599999 | 1557889.405919998 | -0.08044069632414766 | 1694169.587206046 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. 21-sept 22) | (oct. 20-sept. 21) | 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 | 0.06574781130116394 | 0.07430550977955246 | 0.0616934436809952 | 0.07495253238431127 | 0.06164616052046577 | 0.07148661419540324 | 0.06164616052046577 | 0.07148661419540324 | 0.07148661419540324 | 0.0828600973304912 | 0.07142230058524324 | 0.07944109696475993 Dépôts en % de l'actif | 0.807347238458576 | 0.7804720039414984 | 0.8196373617615267 | 0.7948975098119582 | 0.8295599138945747 | 0.8088953209812653 | 0.823905908387642 | 0.8146884569724315 | 0.823905908387642 | 0.8146884569724315 | 0.8146884569724315 | 0.7795264229645499 | 0.8193343968830921 | 0.8159232761236407 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.024104693348327433 | 0.0350022736437517 | 0.03850415445078194 | 0.032485101414225705 | 0.03481482475688844 | 0.034024196624409864 | 0.04079652422411654 | 0.022182784323064426 | 0.04079652422411654 | 0.022182784323064426 | 0.022182784323064426 | 0.024323463171792417 | 0.01752335009540226 | 0.009889922284401194 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.979905757227218 | 1.245804293574031 | 1.3091563751028727 | 1.4791320687108593 | 1.6013322115235527 | 1.4331411956566034 | 1.623604489028084 | 2.3057497200171206 | 1.623604489028084 | 2.3057497200171206 | 2.3057497200171206 | 1.8597512318566836 | 2.15392953028409 | 2.526588002623216 Prêts improductifs nets en % de l'avoir des actionnaires | -0.08747310755687124 | -0.03239981978051824 | -0.05060206003365272 | -0.062120775122623074 | -0.08984148955485266 | -0.05974749878597162 | -0.11253186734818964 | -0.11022049368770048 | -0.11253186734818964 | -0.11022049368770048 | -0.11022049368770048 | -0.07791846873366302 | -0.0897228710206966 | -0.06358037634935687 Rentabilité ROA (rendement de l'actif) | 0.009808128943864911 | 0.020215390686816784 | 0.010347570271476382 | 0.01163932429539868 | 0.013180898654507753 | 0.015529647146222365 | 0.009527779067045439 | 0.010910178118068653 | 0.010610589707617024 | 0.014460481781901971 | 0.014460481781901971 | 0.006944139450366293 | 0.011202453549889885 | 0.011383686790908908 ROE (rendement avoir des action.) | 0.13309861416631294 | 0.24530124191037384 | 0.1462827642456745 | 0.14923073947529855 | 0.2071368074083345 | 0.2080623559405835 | 0.15449711479319964 | 0.14913466179446705 | 0.16021732726987387 | 0.18970505628022494 | 0.18970505628022494 | 0.09027107495292935 | 0.14928250147899153 | 0.14290278896485956 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8431528894548621 | 0.7923417478643643 | 0.8513628043831508 | 0.8648524325933664 | 0.8620560404589264 | 0.8380277127606562 | 0.8903138384564633 | 0.8547467143931372 | 0.8647163500819798 | 0.8423585141703387 | 0.8423585141703387 | 0.7572600983235017 | 0.7761248646118251 | 0.7754640419260888 Rendement moyen des prêts | 0.10279429023144279 | 0.07862725203503054 | 0.10208362829775754 | 0.12403946011567196 | 0.10886985041497797 | 0.1020599175131736 | 0.1409974986077111 | 0.12206266712866583 | 0.11372415049100124 | 0.11293254586404694 | 0.11293254586404694 | 0.10474456280882675 | 0.122047295499413 | 0.10951382869452511 Rendement moyen des prêts productifs | 0.10523177675496481 | 0.08105658154990979 | 0.10539222286486251 | 0.128367524295015 | 0.11300942902165849 | 0.10557434635869704 | 0.1465475836032492 | 0.1256067621622073 | 0.11750112390798706 | 0.11560786424484201 | 0.11560786424484201 | 0.10696415029108244 | 0.12377708562221774 | 0.11127261078272137 Rémunération moyenne des dépôts | 0.0067882845377061915 | 0.008273527177211096 | 0.006404058827119816 | 0.007576982958610327 | 0.006099495797004544 | 0.0075743847382476375 | 0.0061107130587003825 | 0.007379153007411191 | 0.006267652596267851 | 0.007707438933025915 | 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 | 0.5964882490640168 | 0.5346252700332039 | 0.5231640021483848 | 0.5487321502113339 | 0.4814846113615545 | 0.5629279869420124 | 0.5359345416190119 | 0.555873771274293 | 0.555873771274293 | 0.7507729451108703 | 0.6857698436593007 | 0.686330894861635 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5992.577645151903 | 4935.656991324445 | 6577.5297329596615 | 5730.955991390975 | 7460.142648488421 | 6157.552107541993 | 8284.082421658206 | 7021.008349300962 | 7090.885999235667 | 5891.257228819139 | 5891.257228819139 | 4177.999999988923 | 4207.422749826219 | 3418.4905367064193 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept. 22 | 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 | 0.36217174191219714 | 4614645.8652 | -0.08490950101390232 | 4222818.58743 | 0.21796971917521632 | 5143265.169060001 | -0.04916342330314842 | 5409199.95624 | 0.28377434380106764 | 4213513.0541900005 | 0.019266344325368185 | 4133868.5198899996 | 0.2790735423954596 | 3231924.03163 Avoirs à la BRH | 49370654.916319996 | 0.052186734035572294 | 51947148.15360001 | 0.12599546241994053 | 58492253.10661 | -0.010906524376095723 | 57854305.92229 | 0.17796304026973528 | 49113854.972090006 | 0.534075530633822 | 32015278.25152 | -0.1783833107833306 | 38966197.58544999 | 0.29529112363845467 | 30082965.03723 Avoirs à l'étranger | 9628041.325690001 | -0.24752466924202882 | 7244863.581099999 | -0.1261237912547682 | 6331113.919128071 | 0.03647623295234189 | 6562049.10529 | -0.35967627614453973 | 10248018.089629998 | 0 | 7111476.047150001 | 0 | 4759170.6993 | 0 | 2148084.07039 Avoirs dans les banques locales | 11048.41 | 2.320517160387784 | 36686.435 | -0.8995150387329813 | 3686.435 | 2.2650609599789497 | 12036.435 | 2.765639933862785 | 3196.385 | -0.8402271640088556 | 20005.81 | 2.5775768955650933 | 5592 | -0.28950296252234603 | 7870.54654 Autres liquidités | 114311.25438 | 0.40224673239212516 | 160292.58293 | 0.25727865716662324 | 201532.44342 | 1.1585590195689 | 435019.67348 | 2.1510066019616536 | 138057.36656 | 0.9147039539038715 | 72103.76637 | -0.805714323896683 | 371122.39983999997 | 4.129232693861531 | 72354.36994 62511768.133279994 | 0.023865402133070902 | 64003636.61783001 | 0.08199171408169875 | 69251404.49158807 | 0.010906230986602988 | 70006676.30512 | 0.07848046417575176 | 64912326.76952 | 0.4945607714560513 | 43432376.929230005 | -0.09958493935129133 | 48235951.20447999 | 0.35710779679556054 | 35543198.05573 Bons B.R.H. | 5500000 | 0 | 0 | 0 | 500000 | 0 | 0 | -1 | 4950000 | 0.2222222222222222 | 4050000 | 0 | 0 | 0 | 1294000 Bons du Trésor / M.E.F. | 0 | 0 | 5250000 | 0.2857142857142857 | 6750000 | -0.07407407407407407 | 6250000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 22700012.235310003 | 0.11367668524363489 | 25280474.38121 | 0.14664041371531283 | 28987613.60339 | 0.004405559098009613 | 29115320.248230003 | 0.3220581945914348 | 22022722.121720005 | 0.6743422578825986 | 13153058.77161 | -0.3090861109197985 | 19037189.698299997 | 0.1846914332765642 | 16069323.339030001 Portefeuille net | 36854833.957820006 | 0.0220687863464764 | 37668175.41427 | 0.02625802875324028 | 38657267.44738 | 0.03391263814998011 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563 | -0.10368021442179343 | 32111842.915229995 | 0.13622484120147163 | 28261873.66338 Immobilisations | 4088116.9210400004 | -0.003179256880621085 | 4075119.7471900005 | 0.0024683555856084855 | 4085178.5917800004 | -0.0023661713026330287 | 4075512.3594299997 | -0.0050411459993011404 | 4096161.708640001 | -0.09138800347761133 | 4508152.79164 | 0.5400692803567159 | 2927240.25415 | -0.02415283894338424 | 2999691.31537 Autres actifs | 6075210.58577 | -0.06958482608490847 | 5652468.113729999 | 0.13281955725612835 | 6403226.426000001 | 0.18047482756937222 | 7558847.611119999 | 0.39589303363307704 | 5415062.206769999 | 0.45657762626258325 | 3717661.25549 | 0.24371648052094022 | 2989154.935 | 0.20741182822096516 | 2475671.40319 137729941.83322 | 0.030493968015290474 | 141929874.27423003 | 0.08951474346662502 | 154634690.56013808 | 0.015131813731291377 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001 | -0.07272126134615294 | 105301379.00716 | 0.21533716576034012 | 86643757.77669999 PASSIF Dépôts À vue | 52065568.9171979 | 0.04851669299354141 | 54591618.13988766 | 0.12311058366524423 | 61312424.112319365 | 0.0035583478703708916 | 61530595.04608671 | 0.14679247474448834 | 53654515.87899203 | 0.5612669443386832 | 34366010.2928259 | -0.045615118274118446 | 36008544.29994681 | 0.21754378886942452 | 29574742.714907434 Épargne | 37082272.90075241 | 0.028651849198379424 | 38144748.59183792 | 0.09945492745314652 | 41938431.79575767 | 0.028201528354297487 | 43121159.669180505 | 0.19570708622336286 | 36063313.63760547 | 0.39713927027378887 | 25812253.94268559 | -0.09570879423482571 | 28544183.309672147 | 0.2212460382606412 | 23372999.71947191 À terme | 22048046.37416017 | 0.0701474667253033 | 23594660.973549515 | 0.06074356000124392 | 25027884.67810533 | -0.01387828103527269 | 24680540.660824187 | 0.14111489811938238 | 21628444.86694462 | 0.35707010093208363 | 15937603.261680763 | -0.2663702486463629 | 21724314.25017037 | 0.2241176959425268 | 17746916.266448893 111195888.19211048 | 0.046181019789983166 | 116331027.70527509 | 0.1027044385026566 | 128278740.58618236 | 0.008213011642418007 | 129332295.37609139 | 0.16153231073178817 | 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 | 0.0616201298276893 | 6471535.985099999 | 0.06620674244823506 | 6899995.30131 | 0.19341765232312877 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999 | 0.046465525131935796 | 4715026.590960002 | 0.8114585608379633 | 2602889.5680500004 6095905.496959999 | 0.0616201298276893 | 6471535.985099999 | 0.06620674244823506 | 6899995.30131 | 0.19341765232312877 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999 | 0.046465525131935796 | 4715026.590960002 | 0.8114585608379633 | 2602889.5680500004 Obligations à terme Banques locales | 5097563.80568 | -0.01382022072612454 | 5027114.348719999 | -0.06787453168971143 | 4685901.316550001 | -0.01787597776422507 | 4602136.24881 | -0.10249647121701491 | 5127708.24985 | 0.01859663166865685 | 5034091.11166 | 0.2575061347567958 | 4003233.8392 | 1.0768766090458932 | 1927526.08497 Banque à l'étranger | 0.41944 | 0.04851707037955377 | 0.43979 | 0.10689192569180744 | 0.4868 | 0.015529991783073153 | 0.49436 | -0.9992275395675808 | 639.981 | 0.4903585031074781 | 429.41413 | -0.34911053743238524 | 659.73434 | -0.9996995103441091 | 2195530.95112 Autres | 1216992.31308 | -0.35002952504433577 | 791009.07175 | 0.3373566186031546 | 1057861.21748 | 0.10423453769547476 | 1168126.89243 | 0.08539296864931611 | 1076224.85696 | 0.5298770499108929 | 703471.46983 | -0.05310334265661505 | 742923.17369 | 0.02334256853511094 | 725977.00568 6314556.5382 | -0.07861718791126886 | 5818123.8602599995 | -0.012780896594160122 | 5743763.020830001 | 0.004613807128513717 | 5770263.6356 | -0.06999828127793026 | 6204573.08781 | 0.0813143504811713 | 5737991.99562 | 0.20880840807018716 | 4746816.74723 | -0.02107992925178324 | 4849034.04177 Autres passifs | 3672938.0652900003 | 0.08294996025094814 | 3977608.13181 | 0.048933162936146406 | 4172245.07862 | -0.05073225532091948 | 3960577.67603 | 0.0710663277129354 | 3697789.3651900003 | 0.33736148892603396 | 2764988.6704599997 | 0.3543064337748882 | 2041627.0657100002 | 0.26487000950408834 | 1614100.30309 127279288.29256049 | 0.04179004660725691 | 132598295.68244508 | 0.09424290289842464 | 145094743.98694235 | 0.01518296827145784 | 147297712.8812514 | 0.1607099495374973 | 126903119.02637212 | 0.41707340207627364 | 89552960.94079225 | -0.08414305808410409 | 97780512.26368931 | 0.225923714033602 | 79760682.61373822 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 1 | 1500000 | 0 | 1500000 Réserves | 2131701.77986 | 0 | 2131701.77986 | 0 | 2131701.77986 | 0 | 2131701.77986 | 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 | -0.21039388947116439 | 4199876.811919998 | 0.04961287931793967 | 4408244.793339998 | 0.031063256704091945 | 4545179.232969996 | -0.0877702705244162 | 4982494.086860002 | 0.3742160194515287 | 3625699.3197100074 | 0.14600293615824828 | 3163778.386000003 | 0.23696645841371075 | 2557691.3298499957 10450653.54064 | -0.10708181498010587 | 9331578.59178 | 0.022329338961314255 | 9539946.573199999 | 0.014353795231377899 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 | 0.20758874202197272 | 8090768.963580007 | 0.07577613585339829 | 7520866.743490003 | 0.09266084787144925 | 6883075.162929996 137729941.83320048 | 0.030493968015400604 | 141929874.2742251 | 0.08951474346669303 | 154634690.56014234 | 0.015131813731207895 | 156974593.89408138 | 0.1485376622745187 | 136673440.54109213 | 0.39971548275494756 | 97643729.90437226 | -0.07272126134535209 | 105301379.00717932 | 0.21533716576100878 | 86643757.77666822 Hors-bilan Effets à l'encaissement | 37347.965710000004 | 18210.459740000002 | 54612.991590000005 | 68846.26846022 | 52302.66995 | 19878.62198 | 11996.07348 | 140620.2047 Crédit documentaire | 1936095.6816399998 | 1994005.21078 | 2209118.33377 | 2379243.015726165 | 1998847.9257 | 1163260.8931000002 | 1838622.5177399998 | 1615259.18351 Autres | 9264403.43703 | 8924504.546120001 | 11647379.91612 | 10341156.048350725 | 9109167.89706 | 7004151.97447 | 6761928.37086 | 5409543.9882499995 Portefeuille brut | 38701882.099020004 | 0.02495649728064397 | 39667745.51438 | 0.03206413490146344 | 40939657.45779 | 0.04552476788066921 | 42803425.86067 | 0.15128625785624233 | 37178786.39529 | 0.23328433971867155 | 30146159.48482 | -0.09664726899506951 | 33371415.672019996 | 0.15128739048151293 | 28986173.17268 | 0.15357166325707972 Provisions pour créances douteuses | 1847048.1412 | 0.08257606042195997 | 1999570.10011 | 0.14144035774711858 | 2282390.01041 | 0.24220158585898183 | 2835188.49048 | 0.4909343018476771 | 1901618.66084 | 0.394476414703613 | 1363679.32852 | 0.0826522891740798 | 1259572.75679 | 0.739021966213004 | 724299.5093 | 0.004735417357997233 Portefeuille de crédit improductif | 932897 | 0.6372364794827297 | 1527373 | -0.06682454122208524 | 1425307 | 0.22516131612347376 | 1746231 | 1.1173391501935788 | 824729 | 0.12474446273417715 | 733259 | 0.2539078865691141 | 584779 | 1.0398959085502195 | 286671 | -0.3526037102674669 I/Aa | 0.3911828963750762 | 0.43670207640748926 | 0.41924533419588184 | 0.5571970738421915 liq/ac | 0.4938052483579557 | 0.4879426334446086 | 0.5111624211180316 | 0.48628188390367477 liq/de | 0.6116392362978178 | 0.5953152652728578 | 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 | 4614645.8652 | 0.03251356269282536 | 4222818.58743 | 0.027308352169448862 | 5143265.169060001 | 0.03276495285937888 | 5409199.95624 | 0.03957755021622773 | 4213513.0541900005 | 0.04315190599868453 | 4133868.5198899996 | 0.039257496519669664 | 3231924.03163 | 0.03730129110927274 Avoirs à la BRH | 49370654.916319996 | 0.35845985454712476 | 51947148.15360001 | 0.3660057364190307 | 58492253.10661 | 0.37826087338314374 | 57854305.92229 | 0.3685584048162853 | 49113854.972090006 | 0.35935185927598456 | 32015278.25152 | 0.3278784852125969 | 38966197.58544999 | 0.3700445136886619 | 30082965.03723 | 0.3472029123524445 Avoirs à l'étranger | 9628041.325690001 | 0.06990521594315921 | 7244863.581099999 | 0.051045374472056704 | 6331113.919128071 | 0.0409423907157875 | 6562049.10529 | 0.04180325581678131 | 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 | 36686.435 | 0.00025848282602657877 | 3686.435 | 2.383963770772594e-05 | 12036.435 | 7.66775992306177e-05 | 3196.385 | 2.3387023750520083e-05 | 20005.81 | 0.00020488576193897665 | 5592 | 5.3104717646857886e-05 | 7870.54654 | 9.083801005358203e-05 Autres liquidités | 114311.25438 | 0.0008299666206090599 | 160292.58293 | 0.0011293787424928627 | 201532.44342 | 0.0013032809306241873 | 435019.67348 | 0.002771274399814697 | 138057.36656 | 0.0010101257860592441 | 72103.76637 | 0.0007384372395512808 | 371122.39983999997 | 0.00352438309297702 | 72354.36994 | 0.000835078853879735 62511768.133279994 | 0.453872028850319 | 64003636.61783001 | 0.4509525351524322 | 69251404.49158807 | 0.447838736836712 | 70006676.30512 | 0.44597456549149084 | 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 | 500000 | 0.0032334271060965323 | 0 | 0 | 4950000 | 0.03621771706633413 | 4050000 | 0.041477317631870715 | 0 | 0 | 1294000 | 0.014934716974475211 Bons du Trésor / M.E.F. | 0 | 0 | 5250000 | 0.036990098292176345 | 6750000 | 0.04365126593230318 | 6250000 | 0.03981536021183687 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 22700012.235310003 | 0.16481537662157666 | 25280474.38121 | 0.17811947280643883 | 28987613.60339 | 0.1874586711325076 | 29115320.248230003 | 0.18547791413860243 | 22022722.121720005 | 0.16113388259291975 | 13153058.77161 | 0.1347045917285756 | 19037189.698299997 | 0.18078765803252736 | 16069323.339030001 | 0.18546429369377285 Portefeuille net | 36854833.957820006 | 0.2675876680645685 | 37668175.41427 | 0.26539990686872145 | 38657267.44738 | 0.24999091282396319 | 39968237.37019 | 0.2546159628682103 | 35277167.734450005 | 0.25811282422382253 | 28782480.1563 | 0.2947703880681163 | 32111842.915229995 | 0.3049517795303188 | 28261873.66338 | 0.3261847637797181 Immobilisations | 4088116.9210400004 | 0.029682121887413447 | 4075119.7471900005 | 0.028712205714466085 | 4085178.5917800004 | 0.026418254383813428 | 4075512.3594299997 | 0.025962878822159776 | 4096161.708640001 | 0.029970429458883903 | 4508152.79164 | 0.04616940377082888 | 2927240.25415 | 0.02779868869476972 | 2999691.31537 | 0.03462097434763695 Autres actifs | 6075210.58577 | 0.04410958506848566 | 5652468.113729999 | 0.03982578116576482 | 6403226.426000001 | 0.041408731784604046 | 7558847.611119999 | 0.04815331846770005 | 5415062.206769999 | 0.03931652140917338 | 3717661.25549 | 0.038073732528804444 | 2989154.935 | 0.021703014574852787 | 2475671.40319 | 0.028572992062167357 137729941.83322 | 1 | 141929874.27423003 | 1 | 154634690.56013808 | 1 | 156974593.89408997 | 1 | 136673440.5411 | 1 | 97643729.90427001 | 1 | 105301379.00716 | 0.76454965133632 | 86643757.77669999 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 52065568.9171979 | 0.3780265077018994 | 54591618.13988766 | 0.3846379658901718 | 61312424.112319365 | 0.39649850813052007 | 61530595.04608671 | 0.3919780489293772 | 53654515.87899203 | 0.39257456069423535 | 34366010.2928259 | 0.3519530678162168 | 36008544.29994681 | 0.3419570060663536 | 29574742.714907434 | 0.3413372581453363 Épargne | 37082272.90075241 | 0.2692390079250603 | 38144748.59183792 | 0.26875771423665523 | 41938431.79575767 | 0.2712097243111671 | 43121159.669180505 | 0.27470152079688864 | 36063313.63760547 | 0.2638648262224776 | 25812253.94268559 | 0.26435137174698203 | 28544183.309672147 | 0.27107131529332845 | 23372999.71947191 | 0.26975976480278324 À terme | 22048046.37416017 | 0.16008172283161637 | 23594660.973549515 | 0.16624168163469977 | 25027884.67810533 | 0.1618516814528877 | 24680540.660824187 | 0.1572263386613762 | 21628444.86694462 | 0.15824907005571856 | 15937603.261680763 | 0.16322198340135105 | 21724314.25017037 | 0.20630607552341 | 17746916.266448893 | 0.20482625317552128 111195888.19211048 | 0.807347238458576 | 116331027.70527509 | 0.8196373617615267 | 128278740.58618236 | 0.8295599138945747 | 129332295.37609139 | 0.823905908387642 | 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 | 6471535.985099999 | 0.04559671470289624 | 6899995.30131 | 0.04462126367838892 | 8234576.19353 | 0.052458018773954146 | 5654482.18983 | 0.04137220931472492 | 4934112.777519999 | 0.05053179330979477 | 4715026.590960002 | 0.04477649424362621 | 2602889.5680500004 | 0.03004128208241174 6095905.496959999 | 0.04425984223780226 | 6471535.985099999 | 0.04559671470289624 | 6899995.30131 | 0.04462126367838892 | 8234576.19353 | 0.052458018773954146 | 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 | 5027114.348719999 | 0.03541970550193578 | 4685901.316550001 | 0.030303040666852396 | 4602136.24881 | 0.029317713998451494 | 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 | 0.43979 | 3.0986429196030924e-09 | 0.4868 | 3.148064630495584e-09 | 0.49436 | 3.149299435891788e-09 | 639.981 | 4.682555714309006e-06 | 429.41413 | 4.397764510030474e-06 | 659.73434 | 6.26520133183765e-06 | 2195530.95112 | 0.02533974757625778 Autres | 1216992.31308 | 0.008836076577696379 | 791009.07175 | 0.005573238726482985 | 1057861.21748 | 0.006841034270176222 | 1168126.89243 | 0.00744150287923745 | 1076224.85696 | 0.007874425731138019 | 703471.46983 | 0.00720447150595009 | 742923.17369 | 0.0070552083998775056 | 725977.00568 | 0.00837887257326722 6314556.5382 | 0.045847376787876856 | 5818123.8602599995 | 0.040992947327061685 | 5743763.020830001 | 0.03714407808509325 | 5770263.6356 | 0.03675922002698838 | 6204573.08781 | 0.045397065174079536 | 5737991.99562 | 0.05876457199295369 | 4746816.74723 | 0.0450783911092678 | 4849034.04177 | 0.055965186254583126 0 Autres passifs | 3672938.0652900003 | 0.026667680363487236 | 3977608.13181 | 0.02802516490731654 | 4172245.07862 | 0.026981300660975528 | 3960577.67603 | 0.02523069229089507 | 3697789.3651900003 | 0.027055654343303176 | 2764988.6704599997 | 0.028317114403257605 | 2041627.0657100002 | 0.019388417178954315 | 1614100.30309 | 0.018629158574237872 127279288.29256049 | 0.9241221378477424 | 132598295.68244508 | 0.9342521886988011 | 145094743.98694235 | 0.9383065563190325 | 147297712.8812514 | 0.9383538394794796 | 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 | 3000000 | 0.02113719902410077 | 3000000 | 0.019400562636579192 | 3000000 | 0.019111372901681696 | 3000000 | 0.021950131555354017 | 3000000 | 0.030723938986570897 | 1500000 | 0.014244827694972609 | 1500000 | 0.01731226851755241 Réserves | 2131701.77986 | 0.015477402745448926 | 2131701.77986 | 0.015019401593643556 | 2131701.77986 | 0.013785404634227094 | 2131701.77986 | 0.013579915876694349 | 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 | 4199876.811919998 | 0.029591210683419612 | 4408244.793339998 | 0.028507476410188914 | 4545179.232969996 | 0.028954871742089723 | 4982494.086860002 | 0.036455466893450174 | 3625699.3197100074 | 0.037131921560807295 | 3163778.386000003 | 0.030044985315765726 | 2557691.3298499957 | 0.029519626058252556 10450653.54064 | 0.07587786215211584 | 9331578.59178 | 0.06574781130116394 | 9539946.573199999 | 0.0616934436809952 | 9676881.012829997 | 0.06164616052046577 | 9770321.51472 | 0.07148661419540324 | 8090768.963580007 | 0.0828600973304912 | 7520866.743490003 | 0.07142230058524324 | 6883075.162929996 | 0.07944109696475993 137729941.83320048 | 0.9999999999998582 | 141929874.2742251 | 0.9999999999999651 | 154634690.56014234 | 1.0000000000000275 | 156974593.89408138 | 0.9999999999999454 | 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) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 2506697.4888100005 | 2636567.68025 | 5143265.169060001 | 0.48737473305661433 | 2198821.10559 | 3210378.85065 | 5409199.95624 | 0.40649654724881473 Avoirs à la BRH | 36884256.65332 | 20970049.26897 | 57854305.92229 | 0.6375369311812848 | 33284293.577400003 | 15829561.39469 | 49113854.972090006 | 0.6776966213772979 Avoirs à l'étranger | 6562049.10529 | 0 | 6562049.10529 | 1 | 10248018.089629998 | 0 | 10248018.089629998 | 1 Avoirs dans les banques locales | 0 | 12036.435 | 12036.435 | 0 | 0 | 3196.385 | 3196.385 | 0 Autres liquidités | 201958.34102 | 233061.33246 | 435019.67348 | 0.4642510519223334 | 117730.86958 | 20326.49698 | 138057.36656 | 0.8527677480276573 46154961.58844001 | 23851714.71668 | 70006676.30512 | 0.6592937134635032 | 45848863.6422 | 19063463.127320003 | 64912326.76952 | 0.7063198305152825 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 4950000 | 4950000 | 0 Bons du Trésor / M.E.F. | 0 | 6250000 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 25333693.13749 | 3781627.1107400004 | 29115320.248230003 | 0.8701155584586127 | 18610416.142680004 | 3412305.9790400006 | 22022722.121720005 | 0.8450552134209331 Portefeuille net | 20251078.655899998 | 19717158.714290004 | 39968237.37019 | 0.5066793030758996 | 14988740.43994 | 20288427.29451 | 35277167.73445 | 0.424885029114815 Immobilisations | 0 | 4075512.3594299997 | 4075512.3594299997 | 0 | 0 | 4096161.708640001 | 4096161.708640001 | 0 Autres actifs | 3749304.76391 | 3809542.8472099993 | 7558847.61112 | 0.4960153923984801 | 2281112.39548 | 3133949.8112899996 | 5415062.206769999 | 0.4212532208084546 | 13252658.14675 95489038.14574 | 61485555.74835 | 156974593.89409 | 0.608308872008715 | 81729132.62030001 | 54944307.9208 | 136673440.54110003 | 0.5979884043068534 | 13252658.14675 13252658.14675 PASSIF | 13252658.14675 Dépôts | 13252658.14675 À vue | 39363457.893046714 | 22167137.153040003 | 61530595.04608671 | 0.6397379687871261 | 35740182.26988202 | 17914333.609110005 | 53654515.87899203 | 0.666116946250852 Épargne | 29769551.570240505 | 13351608.098940002 | 43121159.669180505 | 0.690369920443428 | 24161725.71634547 | 11901587.921260001 | 36063313.63760547 | 0.6699807443970021 À terme | 19405507.983194187 | 5275032.677630002 | 24680540.660824187 | 0.7862675396733451 | 16651092.927894624 | 4977351.939049996 | 21628444.86694462 | 0.7698700960855015 88538517.4464814 | 40793777.92961001 | 129332295.37609142 | 0.6845816598941209 | 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 | 4248669.96488 | 3985906.2286500004 | 8234576.193530001 | 0.5159549034494608 | 2737529.18014 | 2916953.00969 | 5654482.18983 | 0.4841343713246894 4248669.96488 | 3985906.2286500004 | 8234576.193530001 | 0.5159549034494608 | 2737529.18014 | 2916953.00969 | 5654482.18983 | 0.4841343713246894 Obligations à terme Banques locales | 0 | 4602136.24881 | 4602136.24881 | 0 | 0 | 5127708.24985 | 5127708.24985 | 0 Banque à l'étranger | 0.49436 | 0 | 0.49436 | 1 | 639.981 | 0 | 639.981 | 1 Autres | 678050.24102 | 490076.6514100001 | 1168126.89243 | 0.5804594050647046 | 526543.0077999999 | 549681.8491600001 | 1076224.85696 | 0.4892499967779223 678050.73538 | 5092212.90022 | 5770263.635600001 | 0.11750775669879687 | 527182.9887999999 | 5677390.09901 | 6204573.08781 | 0.0849668432201638 Autres passifs | 2037109.1661399999 | 1923468.5098899999 | 3960577.6760299997 | 0.5143464748763508 | 1902625.98397 | 1795163.38122 | 3697789.3651900003 | 0.5145306549585577 95502347.31288141 | 51795365.56837001 | 147297712.88125142 | 0.6483627304510394 | 81720339.06703213 | 45182779.95934 | 126903119.02637212 | 0.6439584755206023 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 | 4545179.232969996 | 4545179.232969996 | 0 | 0 | 4982494.086860002 | 4982494.086860002 | 0 0 | 9676881.012829997 | 9676881.012829997 | 0 | 0 | 9770321.51472 | 9770321.51472 | 0 95502347.31288141 | 61472246.5812 | 156974593.8940814 | 0.608393657494165 | 81720339.06703213 | 54953101.47406 | 136673440.54109213 | 0.5979240644231982 *Converties au taux de 117,7047 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 | 0.025660759325227305 | 1000031.9918900002 | 0.09692939514545236 | 1096964.4879899998 | 0.34548171372841646 | 1475945.6591999999 | 628842.1302300001 | 0.7058044770913563 | 1072681.72113 | -0.12034224730147652 | 943592.79217 | 0.22560508650181282 | 1156472.12567 Intérêts sur bons B.R.H. | 145529.50549999997 | -0.03932909639413269 | 139805.96155 | 0.020102626374733187 | 142616.42855999997 | 0.3197928895745168 | 188224.14835 | 122504.14971999999 | 0.11205960395118629 | 136231.91622 | 0.09755783181187358 | 149522.40659000003 | -0.19995702076935137 | 119624.35162999999 Autres | 83400.80274 | 0.02566788783404959 | 85541.52519000001 | 0.3141453473071982 | 112413.99733000001 | 0.15463842548868068 | 129797.52087999997 | 0 | 53588.07488999999 | 0.013453443167717698 | 54309.01901 | 0.13404725444699203 | 61588.9939 | 0.35999159177691975 | 83760.51385 1203942.74076 | 0.017805446342463234 | 1225379.4786300003 | 0.1033275303349768 | 1351994.9138799997 | 0.3269039032710656 | 1793967.3284299998 | 804934.3548400002 | 0.5693486664649758 | 1263222.65636 | -0.0859060460589725 | 1154704.1926600002 | 0.17766697288714745 | 1359856.99115 Dépenses d'intérêt | 188834.94015 | -0.0354699764496947 | 182136.96927 | 0.02395209741045446 | 186499.5317 | 0.05508785140826181 | 196773.39019 | 167151.26121 | 0.02135914419164669 | 170721.4691 | 0.09552758745560756 | 187030.07917000004 | 0.056106572785342236 | 197523.69591999997 1015107.8006099999 | 0.02771598123183921 | 1043242.5093600003 | 0.1171854786620976 | 1165495.3821799997 | 0.37039919905347884 | 1597193.9382399998 | 637783.0936300001 | 0.712966678125522 | 1092501.18726 | -0.11425806692537058 | 967674.1134900001 | 0.20116191910719255 | 1162333.2952299998 AUTRES REVENUS Commissions | 446196.5897 | 0.026235863429325608 | 457902.94249000004 | 0.24209712356766738 | 568759.9277400001 | -0.19179177767225897 | 459676.4501299999 | 356010.47283999994 | -0.006539719636411919 | 353682.2641599999 | 0.2514607376234348 | 442619.46719 | 0.1686980435678565 | 517288.50535000005 Gains sur change | 181652.97268 | 0.7859572242261419 | 324424.43886 | 0.07821662566225608 | 349799.8237500001 | 0.025712646460417005 | 358794.10295000003 | 224099.42096999998 | -0.3081898167833535 | 155034.26148000007 | 0.291571569074306 | 200237.84435999993 | 0.12450128211118593 | 225167.71271000002 Autres | 107624.38160000002 | 0.028488366524560736 | 110690.42443000001 | 0.18054218124927285 | 130674.71510000002 | -0.7529601326829295 | 32281.86428 | 336838.96482720005 | -0.5537757573682895 | 150305.7119688667 | 0.7644897339291656 | 265212.8857199794 | -0.2765845275611109 | 191859.10502000002 735473.94398 | 0.21420726470261497 | 893017.80578 | 0.17493118255750084 | 1049234.46659 | -0.18916844189751456 | 850752.41736 | 916948.8586372 | -0.2812879023718644 | 659022.2376088668 | 0.377905244236878 | 908070.1972699794 | 0.02890208916548965 | 934315.3230800001 PRODUIT NET BANCAIRE | 1750581.7445899998 | 0.1060667810136955 | 1936260.3151400003 | 0.14381823118130949 | 2214729.84877 | 0.10530246249199282 | 2447946.3556 | 1554731.9522672002 | 0.12657582055523708 | 1751523.4248688668 | 0.0709216240715781 | 1875744.3107599795 | 0.11776888048271267 | 2096648.6183099998 Dotation à la provision pour créances douteuses | 311635.48749 | 0.003027102714129277 | 312578.84012 | 0.297079108279852 | 405439.48321000003 | 0.9390805195526382 | 786179.80375 | 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 | 0.1283822915612631 | 1623681.4750200002 | 0.11431360977849028 | 1809290.36556 | -0.08153683704845215 | 1661766.55185 | 1502648.1483172001 | -0.0931201591770076 | 1362721.3135588667 | 0.1901517152134271 | 1621845.1086899797 | 0.015488280332953748 | 1646964.70039 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 462019.13408 | 0.1268071142911917 | 520606.44722 | 0.006097467092370643 | 523780.8278999999 | 0.05263652707667217 | 551350.83163 | 410976.80285000004 | 0.00964969397907216 | 414942.60323 | 0.10332347880469554 | 457815.9165000001 | 0.07439860499039645 | 491876.78202999994 Frais de locaux | 57350.60637999998 | 0.02006877472879495 | 58501.56277999999 | -0.03001734170083309 | 56745.501379999994 | -0.03669996104279707 | 54662.94369000001 | 36632.25243 | 1.0216613767203175 | 74058.00988 | 0.1053073076448702 | 81856.85951 | -0.583008498562908 | 34133.61474999999 Amortissement | 88857.64888000001 | 0.023611043691166338 | 90955.67071 | -0.13121078748406062 | 79021.30553 | 0.09863953319577624 | 86815.93022000001 | 70513.56282 | 0.058085832656838386 | 74609.40182999999 | -0.0012694172272792509 | 74514.69136999999 | 0.4567654481852017 | 108550.42777000001 Autres dépenses d'exploitation | 374295.89813999995 | 0.29547998471154197 | 484892.8444 | 0.02933937325390666 | 499119.2965500001 | -0.02664794273019622 | 485818.79411999986 | 381934.98673999996 | -0.023921133195947387 | 372798.66905 | 0.11345285262895424 | 415093.74150999996 | 0.3146460833037001 | 545701.36148 982523.2874799999 | 0.17550040780433931 | 1154956.52511 | 0.003212593867675335 | 1158666.93136 | 0.017245308171992164 | 1178648.4996599997 | 900057.6048399999 | 0.04038750292706224 | 936408.68399 | 0.09917947845621632 | 1029281.2088900001 | 0.14668583846276678 | 1180262.18603 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 456422.9696199999 | 0.02695302626912594 | 468724.9499100002 | 0.38807083839877976 | 650623.4342 | -0.2574536563011487 | 483118.0521900002 | 602590.5434772002 | -0.292533488645766 | 426312.6295688667 | 0.3899750058994125 | 592563.8997999795 | -0.21240137221059913 | 466702.5143599999 Impôts sur le revenu | 120000 | -0.10833333333333334 | 107000 | 0.514018691588785 | 162000 | -0.30864197530864196 | 112000 | 79000 | 0.18354430379746836 | 93500 | 0.22459893048128343 | 114500 | -0.06550218340611354 | 107000 BÉNÉFICE NET (PERTE NETTE) | 336422.9696199999 | 0.07520883701424934 | 361724.9499100002 | 0.35081485068025603 | 488623.4342 | -0.2404824938500664 | 371118.0521900002 | 523590.5434772002 | -0.36436470498753565 | 332812.6295688667 | 0.43643557162862107 | 478063.8997999795 | -0.247584863633296 | 359702.5143599999 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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 | 1000031.9918900002 | -0.06772719979181527 | 1072681.72113 | 1096964.4879899998 | 0.16254013075628493 | 943592.79217 | 1475945.6591999999 | 0.2762483646935403 | 1156472.12567 | 4547954.571599999 | 0.1963299682614181 | 3801588.7692 | 3801588.7692 Intérêts sur Bons B.R.H. | 145529.50549999997 | 0.1879557209500869 | 122504.14971999999 | 139805.96155 | 0.026235007398914448 | 136231.91622 | 142616.42855999997 | -0.04618691062762713 | 149522.40659000003 | 188224.14835 | 0.5734601340384294 | 119624.35162999999 | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001 | 527882.8241600001 Autres | 83400.80274 | 0.5563313836370586 | 53588.07488999999 | 85541.52519000001 | 0.5750887559624143 | 54309.01901 | 112413.99733000001 | 0.825228668494291 | 61588.9939 | 129797.52087999997 | 0.5496266070244501 | 83760.51385 | 411153.84614000004 | 0.6235315438042329 | 253246.60164999997 | 253246.60164999997 1203942.74076 | 0.4957030141909053 | 804934.3548400002 | 1225379.4786300003 | -0.02995764645248327 | 1263222.65636 | 1351994.9138799997 | 0.17085823579242104 | 1154704.1926600002 | 1793967.3284299998 | 0.31923234583136767 | 1359856.99115 | 5575284.461699999 | 0.21658898157228565 | 4582718.19501 | 4582718.19501 Dépenses d'intérêt | 188834.94015 | 0.12972488979761743 | 167151.26121 | 182136.96927 | 0.06686622502828506 | 170721.4691 | 186499.5317 | -0.0028366959601070917 | 187030.07917000004 | 196773.39019 | -0.0037985606056290516 | 197523.69591999997 | 754244.83131 | 0.0440436856512934 | 722426.5054 | 722426.5054 1015107.8006099999 | 0.591619173898797 | 637783.0936300001 | 1043242.5093600003 | -0.045087985692300124 | 1092501.18726 | 1165495.3821799997 | 0.2044296379661745 | 967674.1134900001 | 1597193.9382399998 | 0.3741273219949797 | 1162333.2952299998 | 4821039.630389999 | 0.24887962310357487 | 3860291.68961 | 3860291.68961 AUTRES REVENUS Commissions | 446196.5897 | 0.25332433661447923 | 356010.47283999994 | 457902.94249000004 | 0.29467318237606754 | 353682.2641599999 | 568759.9277400001 | 0.28498624642700743 | 442619.46719 | 459676.4501299999 | -0.11137315951186572 | 517288.50535000005 | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954 | 1669600.70954 Gains sur change | 181652.97268 | -0.18940900474563138 | 224099.42096999998 | 324424.43886 | 1.0925983441527976 | 155034.26148000007 | 349799.8237500001 | 0.7469216414510956 | 200237.84435999993 | 358794.10295000003 | 0.5934527141202579 | 225167.71271000002 | 1214671.3382400002 | 0.5097726482112807 | 804539.23952 | 804539.23952 Autres | 107624.38160000002 | -0.6804871382525124 | 336838.96482720005 | 110690.42443000001 | -0.2635647509329009 | 150305.7119688667 | 130674.71510000002 | -0.5072836874224477 | 265212.8857199794 | 32281.86428 | -0.8317418176393826 | 191859.10502000002 | 381271.38541000005 | -0.596203500193514 | 944216.6675360462 | 944216.6675360462 735473.94398 | -0.19791170788621087 | 916948.8586372 | 893017.80578 | 0.35506475323221326 | 659022.2376088668 | 1049234.46659 | 0.15545523875182413 | 908070.1972699794 | 850752.41736 | -0.08943758456677386 | 934315.3230800001 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 | 3418356.6165960464 PRODUIT NET BANCAIRE | 1750581.7445899998 | 0.12597013397531326 | 1554731.9522672002 | 1936260.3151400003 | 0.10547212081103877 | 1751523.4248688668 | 2214729.84877 | 0.1807205470732184 | 1875744.3107599795 | 2447946.3556 | 0.16755203243029013 | 2096648.6183099998 | 8349518.264099998 | 0.1471248386847994 | 7278648.306206046 | 7278648.306206046 Dotation à la provision pour créances douteuses | 311635.48749 | 4.983347295239178 | 52083.80394999999 | 312578.84012 | -0.19604644360901002 | 388802.11130999995 | 405439.48321000003 | 0.5968521362198704 | 253899.20207 | 786179.80375 | 0.748294240511095 | 449683.91792 | 1815833.61457 | 0.5866166393687933 | 1144469.03525 | 1144469.03525 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1438946.2570999998 | -0.042393085359696075 | 1502648.1483172001 | 1623681.4750200002 | 0.19149928812635436 | 1362721.3135588667 | 1809290.36556 | 0.11557531349058754 | 1621845.1086899797 | 1661766.55185 | 0.008987351979368452 | 1646964.70039 | 6533684.649529998 | 0.0651277637850462 | 6134179.270956046 | 6134179.270956046 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 462019.13408 | 0.12419759674034349 | 410976.80285000004 | 520606.44722 | 0.25464689132301793 | 414942.60323 | 523780.8278999999 | 0.14408610321873724 | 457815.9165000001 | 551350.83163 | 0.12091249632590448 | 491876.78202999994 | 2057757.24083 | 0.15890020995434195 | 1775612.10461 | 1775612.10461 Frais de locaux | 57350.60637999998 | 0.5655768503340154 | 36632.25243 | 58501.56277999999 | -0.2100575903296202 | 74058.00988 | 56745.501379999994 | -0.30677158005227756 | 81856.85951 | 54662.94369000001 | 0.6014402251375974 | 34133.61474999999 | 227260.61422999998 | 0.002558125003360841 | 226680.73657 | 226680.73657 Amortissement | 88857.64888000001 | 0.2601497545490214 | 70513.56282 | 90955.67071 | 0.21909127374115045 | 74609.40182999999 | 79021.30553 | 0.06047953869422318 | 74514.69136999999 | 86815.93022000001 | -0.2002248908318604 | 108550.42777000001 | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995 | 328188.08378999995 Autres dépenses d'exploitation | 374295.89813999995 | -0.020001018145007706 | 381934.98673999996 | 484892.8444 | 0.30068287431296015 | 372798.66905 | 499119.2965500001 | 0.2024254924546384 | 415093.74150999996 | 485818.79411999986 | -0.1097350521493885 | 545701.36148 | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998 | 1715528.7587799998 982523.2874799999 | 0.09162267192293726 | 900057.6048399999 | 1154956.52511 | 0.233389378864767 | 936408.68399 | 1158666.93136 | 0.1257049301517244 | 1029281.2088900001 | 1178648.4996599997 | -0.001367227035738673 | 1180262.18603 | 4474795.24361 | 0.10597739337652429 | 4046009.68375 | 4046009.68375 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 456422.9696199999 | -0.2425653297075525 | 602590.5434772002 | 468724.9499100002 | 0.09948642709465451 | 426312.6295688667 | 650623.4342 | 0.09798020841232236 | 592563.8997999795 | 483118.0521900002 | 0.035173450591992825 | 466702.5143599999 | 2058889.405919998 | -0.01402193646792107 | 2088169.587206046 | 2088169.587206046 Impôts sur le revenu | 120000 | 0.5189873417721519 | 79000 | 107000 | 0.1443850267379679 | 93500 | 162000 | 0.4148471615720524 | 114500 | 112000 | 0.04672897196261682 | 107000 | 501000 | 0.2715736040609137 | 394000 | 394000 BÉNÉFICE NET (PERTE NETTE) | 336422.9696199999 | -0.3574693549929451 | 523590.5434772002 | 361724.9499100002 | 0.0868726657957278 | 332812.6295688667 | 488623.4342 | 0.022088123375219443 | 478063.8997999795 | 371118.0521900002 | 0.031736052360688535 | 359702.5143599999 | 1557889.405919998 | -0.08044069632414766 | 1694169.587206046 | 1694169.587206046 0.8795568032919453 | 0.8523643063085429 | 1.085873895041816 | 0.9668066382965081 Com /sal 2053872.101566046 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 4547954.571599999 | 0.1963299682614181 | 3801588.7692 | 3801588.7692 | 0.142798687902863 | 3326560.3202400003 | -0.12580579296264632 | 3805287.53618 | 0.32617667440682857 | 2869366.96265 Intérêts sur Bons B.R.H. | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001 | 527882.8241600001 | 2.4027005155722354 | 155136.43406 | 2.8185652459060764 | 40626.89101 | -0.5715272199614806 | 94817.90419999999 Autres | 411153.84614000004 | 0.6235315438042329 | 253246.60164999997 | 252856.10194999998 | -0.4998660168645743 | 505576.72639 | 0.1942297910109654 | 423349.61847 | 0.15846736714909224 | 365439.39905 5575284.461699999 | 0.21658898157228565 | 4582718.19501 | 4582327.69531 | 0.14923837492005332 | 3987273.48069 | -0.06605132921133376 | 4269264.045659999 | 0.2822059501978113 | 3329624.2659 Dépenses d'intérêt | 754244.83131 | 0.0440436856512934 | 722426.5054 | 722426.5054 | -0.2535916732169889 | 967870.37266 | 0.012647555187639336 | 955782.0662300001 | 0.2784323417880711 | 747620.3745700001 4821039.630389999 | 0.24887962310357487 | 3860291.68961 | 3859901.18991 | 0.2783656410913547 | 3019403.1080300002 | -0.08875221692033707 | 3313481.9794299994 | 0.2832986001904173 | 2582003.89133 AUTRES REVENUS Commissions | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954 | 1669600.70954 | 0.07661116970075371 | 1550792.66919 | 0.08693292536766555 | 1426760.2287100002 | 0.08751678362766846 | 1311943.18119 Gains sur change | 1214671.3382400002 | 0.5097726482112807 | 804539.23952 | 804539.23952 | 0.6220414220540942 | 496004.12701 | -0.07191109914505922 | 534436.0077499999 | 0.04932355245255623 | 509314.7928500001 Autres | 381271.38541000005 | -0.596203500193514 | 944216.6675360462 | 944216.6675360462 | 1.0943075552897912 | 450849.0957553721 | -0.1872287436786713 | 554706.0039942273 | 0.04736608490415729 | 529619.9790973635 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 | 3418356.6165960464 | 0.368631409122557 | 2497645.891955372 | -0.0072563823050450504 | 2515902.240454227 | 0.070196875638155 | 2350877.9531373633 PRODUIT NET BANCAIRE | 8349518.264099998 | 0.1471248386847994 | 7278648.306206046 | 7278257.806506047 | 0.3192302273417082 | 5517048.999985373 | -0.05357945335520474 | 5829384.219884226 | 0.18174008696810054 | 4932881.844467363 Dotation à la provision pour créances douteuses | 1815833.61457 | 0.5866166393687933 | 1144469.03525 | 1144469.03525 | 1.6470383959393213 | 432358.30542 | -0.21934449185895985 | 553840.07531 | 0.3198199706419619 | 419633.04665 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 6533684.649529998 | 0.0651277637850462 | 6134179.270956046 | 6133788.771256047 | 0.20632485626155658 | 5084690.694565373 | -0.0361770169632912 | 5275544.144574226 | 0.16890168942725106 | 4513248.797817363 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2057757.24083 | 0.15890020995434195 | 1775612.10461 | 1775612.10461 | -0.14814908981232955 | 2084416.51394 | 0.0965369743408799 | 1900908.55367 | 0.24105099774000616 | 1531692.5389300003 Frais de locaux | 227260.61422999998 | 0.002558125003360841 | 226680.73657 | 226680.73657 | 0.1621685017225463 | 195049.80236000003 | 0.11301762523896415 | 175244.12726 | 0.2170269490192777 | 143993.62923000002 Amortissement | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995 | 328188.08378999995 | 0.15582726314654727 | 283942.15489999996 | 0.04736573149753937 | 271101.24607 | 0.05368006471883872 | 257289.9072 Autres dépenses d'exploitation | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998 | 1715528.7587799998 | 0.08671126649233586 | 1578642.65484 | -0.043456722956358794 | 1650361.9781 | 0.1361331782758342 | 1452613.1352 4474795.24361 | 0.10597739337652429 | 4046009.68375 | 4046009.68375 | -0.0231869282554753 | 4142051.12604 | 0.03613033977469801 | 3997615.9051 | 0.18077405629455146 | 3385589.2105600005 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2058889.405919998 | -0.01402193646792107 | 2088169.587206046 | 2087779.0875060475 | 1.2148222472477843 | 942639.5685253725 | -0.26236893480560386 | 1277928.2394742258 | 0.13325710517155162 | 1127659.587257363 Impôts sur le revenu | 501000 | 0.2715736040609137 | 394000 | 394000 | 0.6554621848739496 | 238000 | 0.17357001972386588 | 202800 | -0.060240963855421686 | 215800 BÉNÉFICE NET (PERTE NETTE) | 1557889.405919998 | -0.08044069632414766 | 1694169.587206046 | 1693779.0875060475 | 1.4037524475820835 | 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.sept. 22 | 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 | 0.03609974561972044 | 10819637.088457922 | 0.06945383805652049 | 11571102.41063 | 0.01540023986100872 | 11749300.163209999 | 0.16574413488971185 | 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 | -0.01631701547741567 | 4726902.29294792 | 0.04666241067879632 | 4947470.94898 | 0.022113137685539106 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 | 0.16623299565032765 | 4134099.53656 | -0.1169916737954485 | 4681835.28272 | 0.12771076686685454 | 4151627.7225300004 Dépôts | 6894128.06735 | 0.07043475576841905 | 7379714.29401 | 0.0883835217015688 | 8031959.432466011 | -0.0012625530004237088 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 | 0.505870701371239 | 4375153.64703 | -0.17107250710601704 | 5278089.68159 | 0.2082228207146652 | 4368473.75426 Avoir des Actionnaires | 947979.35779 | -0.1049143412277044 | 848522.7279699999 | 0.03175016191310841 | 875463.4619699998 | 0.08757715460502842 | 952134.0609299999 | 0.1074711266239172 | 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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 78591.06939 | -0.05829848155399589 | 83456.45393000002 | 99778.36661999999 | 0.19111693708168573 | 83768.74135000003 | 100629.770207372 | 0.024423589898972 | 98230.62569000002 | 130506.08525375297 | -0.05529359711089268 | 138144.59694 | 409505.291471125 | 0.014630494169710599 | 403600.41790999996 Autres revenus | 14303.62676 | -0.26249205712634605 | 19394.53927 | 14121.427780000004 | 0.23340802613604794 | 11449.11293 | 15491.649110000004 | 0.08383987699747936 | 14293.30055 | 71518.19686999999 | 1.2441968538227182 | 31868.05861 | 115434.90052 | 0.49905698968524886 | 77005.01136 Dot. à la prov. pr créances douteuses | -17835.72902 | -6.350718695298562 | 3333.33334 | 6000 | 0.19999999760000006 | 5000.00001 | 6000.000000000001 | 0.19999999760000026 | 5000.00001 | 16900.864129999998 | -0.3194939391718755 | 24835.729030000002 | 11065.13511 | -0.7101019931550905 | 38169.06239000001 Dépenses d'exploitation | 70036.11352 | -0.022139350265936966 | 71621.77304 | 71539.01333 | 0.07375308564367768 | 66625.19930000001 | 73216.30425000002 | 0.03349388265753187 | 70843.48100999999 | 80095.20022999999 | 0.09587265088227118 | 73088.05468 | 294886.63133 | 0.04503575906159715 | 282178.50802999997 Bénéfice (perte) net | 29706.84766650001 | 0.45879255001652164 | 20363.99738000003 | 26543.370178399997 | 0.5411907275889198 | 17222.63812210002 | 26940.73400117198 | 0.006124705090020888 | 26776.7343997 | 76670.59896855296 | 0.4330577181971426 | 53501.40332449998 | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999 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. 21-sept 22) | (oct. 20-sept. 21) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.09077949319637985 | 0.10404782512671386 | 0.078424324312613 | 0.08708968373660052 | 0.07565946881307865 | 0.08333217670328669 | 0.08103751267768017 | 0.0853015512901374 | 0.08103751267768017 | 0.0853015512901374 | 0.0853015512901374 | 0.11337303882952046 | 0.08473284843988887 | 0.0933329401670658 Dépôts en % de l'actif | 0.6601889026824257 | 0.6060596712353872 | 0.6820667120048294 | 0.6389670374533006 | 0.6941395164809281 | 0.6518576240943386 | 0.6827486357956529 | 0.6536905895142436 | 0.6827486357956529 | 0.6536905895142436 | 0.6536905895142436 | 0.5654159338549604 | 0.6311066534589197 | 0.5909696258764859 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.04529955565395707 | 0.03736388291599661 | 0.049462341479011226 | 0.06748037632945818 | 0.04851361544850205 | 0.05597967020642519 | 0.07124213430332414 | 0.041209673197505875 | 0.07124213430332414 | 0.041209673197505875 | 0.041209673197505875 | 0.10797350993144256 | 0.13875000598534182 | 0.1801192087514468 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.7747545230483569 | 0.9531392648882143 | 0.7641048129005024 | 0.5472490246093445 | 0.8137932089681862 | 0.666033514417232 | 0.5907699247156862 | 1.0065933566073082 | 0.5907699247156862 | 1.0065933566073082 | 1.0065933566073082 | 0.4099381920533815 | 0.2578694467653901 | 0.16677009117066643 Prêts improductifs nets en % de l'avoir des actionnaires | 0.05360292830474964 | 0.008950756384289167 | 0.0675521262380453 | 0.17661717851295514 | 0.053149354634739146 | 0.1117824100028346 | 0.16164521078016045 | -0.0015896654962255787 | 0.16164521078016045 | -0.0015896654962255787 | -0.0015896654962255787 | 0.3141390730281408 | 0.7055490775340778 | 0.9310848678678446 Rentabilité ROA (rendement de l'actif) | 0.011580794085294199 | 0.010144421633480342 | 0.009987018959129712 | 0.007921694207018425 | 0.009625670113224943 | 0.011349995326862643 | 0.026301638224567984 | 0.021528959182623354 | 0.014647318005265836 | 0.013230792433120487 | 0.013230792433120487 | 0.018926296875654385 | 0.013439351213619317 | 0.019216713801520603 ROE (rendement avoir des action.) | 0.13146684305737846 | 0.09346161164203193 | 0.11820023094343796 | 0.08320843599857068 | 0.12501600840368496 | 0.13331256542834347 | 0.33561261933379466 | 0.25529244308418203 | 0.1764601706585961 | 0.1357098966561243 | 0.1357098966561243 | 0.19215134776134005 | 0.15139889090489278 | 0.2040257977670168 Revenus nets d'intérêt en % des revenus d'intérêt | 0.6667259404459324 | 0.6891529778092829 | 0.713981341651645 | 0.6876221733528087 | 0.7107911722591582 | 0.7097164313035347 | 0.7584482235809376 | 0.777693770580007 | 0.7168337269853914 | 0.7220485329128635 | 0.7220485329128635 | 0.7041521584010543 | 0.5774860997329101 | 0.5866113731458331 Rendement moyen des prêts | 0.0854568669018463 | 0.1083401042030888 | 0.10268250668680891 | 0.10113689563628281 | 0.1020850020215895 | 0.10898288311511962 | 0.1087913307976483 | 0.13635095499968106 | 0.09780828444250475 | 0.11328782114511048 | 0.11328782114511048 | 0.13074904120467093 | 0.12245710959012242 | 0.10708452236488684 Rendement moyen des prêts productifs | 0.08931943441497857 | 0.116778895449475 | 0.10778807671491467 | 0.1067586159495132 | 0.10734227767126663 | 0.11612915953941053 | 0.11573762474410372 | 0.14329892334287975 | 0.10367512754125206 | 0.12208767337087792 | 0.12208767337087792 | 0.1492995192767712 | 0.1454587835706145 | 0.12498660766845193 Rémunération moyenne des dépôts | 0.023310173482949868 | 0.03197459006175399 | 0.022402319335235593 | 0.028085825521045958 | 0.021253780031581432 | 0.02637652120070441 | 0.02071227440771414 | 0.024342398391869465 | 0.022143966999330952 | 0.028342112403161347 | 0.028342112403161347 | 0.037619099417430135 | 0.0510484400102438 | 0.04942189001437359 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.7539301641819299 | 0.6963644279129818 | 0.62808729117425 | 0.6997133027602183 | 0.6305150650104628 | 0.6295859323189572 | 0.39646323396380884 | 0.42989772992814124 | 0.561752816471301 | 0.5871313365281908 | 0.5871313365281908 | 0.49087972928381 | 0.5916207089570608 | 0.5277503330403409 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4794.564962580645 | 5635.670860273974 | 5955.5448052287575 | 4978.711334901962 | 6152.128175754808 | 5733.70324789809 | 10563.36115679754 | 8718.59772051282 | 6817.405090793831 | 6494.667963108108 | 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.sept. 22 | 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 | 0.14991799508425702 | 77297.30623000002 | -0.07480649885514136 | 71514.96538000001 | 0.28772744334928446 | 92091.78353 | 0.0432914988171993 | 88270.42455 | 0.9346251274504883 | 45626.62983 | 0.35079470515525835 | 33777.61969 | -0.1810026754001269 | 41242.64961 Avoirs à la BRH | 1496700.6732799998 | 0.10598875313014801 | 1655334.11145 | 0.0891973536814654 | 1802985.5336499999 | 0.09310512947941767 | 1970852.73521 | 0.40804491784300745 | 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 | -0.335447937153445 | 157105.32249000002 | 1.260310659892526 | 355106.83515000006 | -0.25009694167808827 | 266295.70171 | 0.6774874694783214 | 158746.76059 | 0.21999445720961408 | 130120.88674000002 | 0.2728736000277192 | 102226.08649999999 | -0.9079891725117902 | 1111022.35781 Autres liquidités | 6988.6967 | 4.319243181636426 | 37174.577269999994 | -0.19944739858503835 | 29760.20454 | -0.08826392931773837 | 27133.451950000002 | -0.437785598237088 | 48261.75186 | -0.32333082732641344 | 71322.52186000001 | 11.369955809201677 | 5765.78631 | -0.7439558973683807 | 22518.72334 1807317.0593699997 | 0.06617226205549609 | 1926911.31744 | 0.17253322364709797 | 2259367.5387199996 | 0.042935083388405834 | 2356373.6724 | 0.3902010890356963 | 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 | 0.14244397711237342 | 2224666.61477 | 0.058155168981746885 | 2354042.47768 | -0.011133834847292311 | 2327832.95751 | 0.3553199920052403 | 1717552.29115 | 1.3053651725369102 | 745023.96046 | -0.22579727435709243 | 962311.2083999999 | 6.8177444416081885 | 123093.20361999999 Portefeuille net | 4805310.620719998 | -0.01631701547741567 | 4726902.29294792 | 0.04666241067879632 | 4947470.94898 | 0.022113137685539106 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 | 0.16623299565032765 | 4134099.53656 | -0.1169916737954485 | 4681835.28272 | 0.12771076686685454 | 4151627.7225300004 Immobilisations | 626101.95165 | -0.006580522004670592 | 621981.8739799999 | 0.0025431772631542273 | 623563.6841399999 | -0.11194893645269928 | 553756.39289 | -0.14263476851908946 | 645881.5596399999 | -0.1586219159201207 | 767647.23477 | 0.305785764871017 | 587881.4545400001 | 0.14268995471509768 | 514471.53456999996 Autres actifs | 1256642.8256499998 | 0.04976128649575154 | 1319174.9893200002 | 0.05115528442878171 | 1386657.7611099998 | 0.04889766309440595 | 1454462.0851399999 | 0.21300834492772563 | 1199053.65138 | 0.37682219535130007 | 870884.8938000001 | -0.12895520481371744 | 999816.4257599998 | 6.139491507054738 | 140040.28505 10442659.728659997 | 0.03609974561972044 | 10819637.088457922 | 0.06945383805652049 | 11571102.41063 | 0.01540023986100872 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 | 0.30251728040532055 | 7737938.365479999 | -0.07476669001229543 | 8363229.34113 | 0.13138244450413766 | 7392044.46892 PASSIF Dépôts À vue | 3034178.3679099996 | 0.09821032953486526 | 3332166.0252900003 | 0.10999323914313877 | 3698681.7597743655 | 0.0021682710706772824 | 3706701.504433726 | 0.3233124953696568 | 2801077.98982 | 0.5677553178101992 | 1786680.5859299998 | -0.13414833437397097 | 2063495.00366 | 0.19217511241185253 | 1730865.69429 Épargne | 972042.9224200002 | 0.11008146993509588 | 1079046.8361600002 | 0.06145517083135412 | 1145359.8438112452 | 0.032748881090844575 | 1182869.097142448 | 0.26046426769509096 | 938439.2143900001 | 0.5205444795007745 | 617173.14228 | -0.2010793471621563 | 772508.68417 | 0.1744895118875346 | 657739.9596599999 À terme | 2887906.77702 | 0.027907637525323773 | 2968501.43256 | 0.07391486960852776 | 3187917.8288804004 | -0.017462737579674772 | 3132248.0564090954 | 0.0994593422219099 | 2848898.48685 | 0.44518774624376867 | 1971299.91882 | -0.19278030181695036 | 2442085.99376 | 0.23345893263173823 | 1979868.1003100001 6894128.06735 | 0.07043475576841905 | 7379714.29401 | 0.0883835217015688 | 8031959.432466011 | -0.0012625530004237088 | 8021818.657985269 | 0.21756413592273668 | 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 | 0.1571459546741801 | 171006.48456999997 | 0.21572933145057996 | 207897.59915999998 | 0.3841900136063122 | 287769.78061 | 0.5699488772144243 | 183298.82252 | -0.23032796384839807 | 238151.85418 | 0.4810811258374844 | 160795.95508 | -0.14793277069386485 | 188712.75592999998 147782.98613 | 0.1571459546741801 | 171006.48456999997 | 0.21572933145057996 | 207897.59915999998 | 0.3841900136063122 | 287769.78061 | 0.5699488772144243 | 183298.82252 | -0.23032796384839807 | 238151.85418 | 0.4810811258374844 | 160795.95508 | -0.14793277069386485 | 188712.75592999998 Obligations à terme Banques locales | 1747542.04506 | -0.00911291444175411 | 1731616.8439200001 | 0.014468027657484039 | 1756669.92431 | -0.007972493509559465 | 1742664.8847400001 | 0.00511430778853358 | 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 | -0.08171732138250751 | 279277.49453 | 0.13066923319909646 | 315770.47059 | 0.10330833893064202 | 348392.19339000003 | 0.18399461421025867 | 294251.50182999996 | -0.06351369316988965 | 314208.01317 | 2.0800230052089037 | 102014.82672 | 0.20411510280686063 | 84721.82308999999 2051672.24487 | -0.01987544868434076 | 2010894.3384500002 | 0.030606310472503284 | 2072440.3949 | 0.008982976434841502 | 2091057.0781300003 | 0.031068213894702316 | 2028049.21144 | -0.013821562898600868 | 2056472.8807100002 | 0.004252591390410858 | 2047764.57471 | 0.0176776786477568 | 2012193.6617800002 Autres passifs | 401097.07229000004 | 0.020947974419332303 | 409499.24350000004 | -0.06387733746814597 | 383341.52213000006 | 0.034379431079554726 | 396520.58557 | -0.05432176213225878 | 419297.56834 | 1.196581714383247 | 190886.39661999998 | 0.13664203576940454 | 167938.88543 | 0.26514256126511787 | 132743.0525 9494680.37064 | 0.05017904461147071 | 9971114.36053 | 0.07266234865322498 | 10695638.94865601 | 0.009492387890675432 | 10797166.102295268 | 0.17117847020627716 | 9219061.29336 | 0.3437562672056228 | 6860664.778539999 | -0.10371873763947217 | 7654589.09681 | 0.1421140495988597 | 6702123.224470001 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0.2 | 250000 | 0 | 250000 Réserves | 303641.99439999997 | 0.005521229049073898 | 305318.4714 | 0 | 305318.4714 | -0.044750639806851844 | 291655.27446 | -0.07266397750023006 | 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 | -0.2937035523079604 | 243204.25656999997 | 0.11077410560141966 | 270144.9905699999 | 0.3343900462836558 | 360478.78646999993 | 0.46997154018474685 | 245228.41199 | 0.3482887772356299 | 181881.22316999998 | 0.18793149976886578 | 153107.5009 | -0.27942026375477436 | 212478.22163000001 947979.35779 | -0.1049143412277044 | 848522.7279699999 | 0.03175016191310841 | 875463.4619699998 | 0.08757715460502842 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 | -0.01998971053553195 | 877273.58677 | 0.23796749325637734 | 708640.24423 | 0.027132082479363072 | 689921.24413 10442659.728430001 | 0.03609974564656968 | 10819637.0885 | 0.0694538380519923 | 11571102.41062601 | 0.015400239862678662 | 11749300.163225269 | 0.165744134969762 | 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 | 529486.08056464 | 602262.4708434 | 131146564.07841 | 525606.4589699999 | 391390.95843999996 | 573018.68422 | 607470.4712700001 Portefeuille brut | 4980092.110909998 | -0.013558407426673125 | 4912569.99304792 | 0.04849922159465423 | 5150825.81374 | 0.02489556681531235 | 5279058.54194 | 0.04952014005725682 | 5029973.547389 | 0.16284924310958557 | 4325559.46284 | -0.10915413641292289 | 4855564.40193 | 0.13442506424790862 | 4280198.45026 Provisions pour créances douteuses | 174781.49019 | 0.062284684139984815 | 185667.70010000002 | 0.09526247511265427 | 203354.86476000003 | 0.092589975323293 | 222183.48667 | 0.06486081581842533 | 208650.26055 | 0.08978554731531672 | 191459.92628 | 0.1020600757698391 | 173729.11921 | 0.3512338483051379 | 128570.72773 Portefeuille de crédit improductif | 225595.95974 | 0.07709027597712077 | 242987.21453568002 | 0.028388194199852047 | 249885.18277 | 0.5050568163785967 | 376091.39764 | 0.8143811627345771 | 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 | 77297.30623000002 | 0.0071441681082315195 | 71514.96538000001 | 0.006180479857675575 | 92091.78353 | 0.007838065438004763 | 88270.42455 | 0.008758030544286824 | 45626.62983 | 0.005896484008395134 | 33777.61969 | 0.0040388249935803065 | 41242.64961 | 0.0055793292076915324 Avoirs à la BRH | 1496700.6732799998 | 0.14332561935081423 | 1655334.11145 | 0.15299349672419815 | 1802985.5336499999 | 0.15581795663597747 | 1970852.73521 | 0.1677421384961492 | 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 | 157105.32249000002 | 0.014520387440498857 | 355106.83515000006 | 0.030689110038795854 | 266295.70171 | 0.022664813904732687 | 158746.76059 | 0.015750564077850103 | 130120.88674000002 | 0.01681596319253292 | 102226.08649999999 | 0.012223279110290152 | 1111022.35781 | 0.15029973946738495 Autres liquidités | 6988.6967 | 0.0006692448936949888 | 37174.577269999994 | 0.0034358432696099178 | 29760.20454 | 0.002571942022798126 | 27133.451950000002 | 0.0023093675004543365 | 48261.75186 | 0.004788443004159895 | 71322.52186000001 | 0.009217251222648597 | 5765.78631 | 0.0006894210447684501 | 22518.72334 | 0.003046345761944537 1807317.0593699997 | 0.17307056883312952 | 1926911.31744 | 0.17809389554253846 | 2259367.5387199996 | 0.195259488555247 | 2356373.6724 | 0.20055438533934097 | 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 | 2224666.61477 | 0.20561379245734687 | 2354042.47768 | 0.20344150402794955 | 2327832.95751 | 0.19812524364634312 | 1717552.29115 | 0.17041240601239993 | 745023.96046 | 0.09628197140774004 | 962311.2083999999 | 0.11506454853119895 | 123093.20361999999 | 0.016652118928335433 Portefeuille net | 4805310.620719998 | 0.46016156281830856 | 4726902.29294792 | 0.4368817784092263 | 4947470.94898 | 0.427571269651448 | 5056875.055269999 | 0.43039797988175854 | 4821323.286839 | 0.47836290382968716 | 4134099.53656 | 0.5342636941905331 | 4681835.28272 | 0.5598118970258219 | 4151627.7225300004 | 0.5616345707856064 Immobilisations | 626101.95165 | 0.05995617667514878 | 621981.8739799999 | 0.05748638969078846 | 623563.6841399999 | 0.05388973859285456 | 553756.39289 | 0.047131010800451754 | 645881.5596399999 | 0.06408319044749322 | 767647.23477 | 0.09920565382047745 | 587881.4545400001 | 0.07029359480180994 | 514471.53456999996 | 0.06959800319561198 Autres actifs | 1256642.8256499998 | 0.12033742918972352 | 1319174.9893200002 | 0.12192414390009977 | 1386657.7611099998 | 0.11983799917250078 | 1454462.0851399999 | 0.12379138033210564 | 1199053.65138 | 0.11482262972613995 | 870884.8938000001 | 0.11254740638477254 | 999816.4257599998 | 0.09574346495423885 | 140040.28505 | 0.01894472978873466 10442659.728659997 | 1 | 10819637.088457922 | 1 | 11571102.41063 | 1 | 11749300.163209999 | 1 | 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 | 3332166.0252900003 | 0.3079739179833175 | 3698681.7597743655 | 0.31964817426354336 | 3706701.504433726 | 0.315482748158936 | 2801077.98982 | 0.277917849798912 | 1786680.5859299998 | 0.2308987874471353 | 2063495.00366 | 0.24673423620129856 | 1730865.69429 | 0.23415250024096307 Épargne | 972042.9224200002 | 0.09308384527288747 | 1079046.8361600002 | 0.09973040937861921 | 1145359.8438112452 | 0.09898450494734537 | 1182869.097142448 | 0.10067570669837063 | 938439.2143900001 | 0.09311022741177188 | 617173.14228 | 0.07975937686881739 | 772508.68417 | 0.09236966399699645 | 657739.9596599999 | 0.08897943761370496 À terme | 2887906.77702 | 0.2765489685634501 | 2968501.43256 | 0.2743623846428927 | 3187917.8288804004 | 0.27550683727003944 | 3132248.0564090954 | 0.2665901809383463 | 2848898.48685 | 0.2826625123035597 | 1971299.91882 | 0.25475776953900775 | 2442085.99376 | 0.2920027532606247 | 1979868.1003100001 | 0.267837688021818 6894128.06735 | 0.6601889026824257 | 7379714.29401 | 0.6820667120048294 | 8031959.432466011 | 0.6941395164809281 | 8021818.657985269 | 0.6827486357956529 | 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 | 171006.48456999997 | 0.015805195975789686 | 207897.59915999998 | 0.017966965616777457 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 | 238151.85418 | 0.03077717124789052 | 160795.95508 | 0.019226538998424025 | 188712.75592999998 | 0.025529169463664157 147782.98613 | 0.014151853069042165 | 171006.48456999997 | 0.015805195975789686 | 207897.59915999998 | 0.017966965616777457 | 287769.78061 | 0.02449250394598644 | 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 | 1731616.8439200001 | 0.16004389331757155 | 1756669.92431 | 0.1518152602898237 | 1742664.8847400001 | 0.14832073915318975 | 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 | 279277.49453 | 0.025812094458133466 | 315770.47059 | 0.027289575304416266 | 348392.19339000003 | 0.029652165537561396 | 294251.50182999996 | 0.029195097382472144 | 314208.01317 | 0.04060616643985236 | 102014.82672 | 0.012198018559445153 | 84721.82308999999 | 0.011461216642596592 2051672.24487 | 0.1964702765559968 | 2010894.3384500002 | 0.18585598777570503 | 2072440.3949 | 0.17910483559423995 | 2091057.0781300003 | 0.17797290469075117 | 2028049.21144 | 0.20121934418755807 | 2056472.8807100002 | 0.26576496006794353 | 2047764.57471 | 0.24485333250867372 | 2012193.6617800002 | 0.2722107084501871 Autres passifs | 401097.07229000004 | 0.038409474474130824 | 409499.24350000004 | 0.03784777993495198 | 383341.52213000006 | 0.033129213494630945 | 396520.58557 | 0.03374844289122898 | 419297.56834 | 0.04160194005396241 | 190886.39661999998 | 0.0246688959777155 | 167938.88543 | 0.02008062658333233 | 132743.0525 | 0.017957555999307206 9494680.37064 | 0.9092205067815955 | 9971114.36053 | 0.9215756756912761 | 10695638.94865601 | 0.9243405311865764 | 10797166.102295268 | 0.9189624873236194 | 9219061.29336 | 0.9146984486424935 | 6860664.778539999 | 0.8866269611485099 | 7654589.09681 | 0.9152671515493498 | 6702123.224470001 | 0.9066670597896446 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0.028728313264545682 | 300000 | 0.02772736253048925 | 300000 | 0.025926656713745756 | 300000 | 0.025533435679801177 | 300000 | 0.029765452887311927 | 300000 | 0.03877001674481423 | 250000 | 0.029892759100902666 | 250000 | 0.033820142864552566 Réserves | 303641.99439999997 | 0.029077074451315417 | 305318.4714 | 0.028218919812542046 | 305318.4714 | 0.026386290654511337 | 291655.27446 | 0.024823203970330564 | 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 | 243204.25656999997 | 0.022478041969581707 | 270144.9905699999 | 0.023346521444821574 | 360478.78646999993 | 0.030680873027548423 | 245228.41199 | 0.024331115812395547 | 181881.22316999998 | 0.023505126892893975 | 153107.5009 | 0.018307222563779754 | 212478.22163000001 | 0.028744175244530656 947979.35779 | 0.09077949319637985 | 848522.7279699999 | 0.078424324312613 | 875463.4619699998 | 0.07565946881307865 | 952134.0609299999 | 0.08103751267768017 | 859737.1417099999 | 0.0853015512901374 | 877273.58677 | 0.11337303882952046 | 708640.24423 | 0.08473284843988887 | 689921.24413 | 0.0933329401670658 10442659.728430001 | 0.9999999999779754 | 10819637.0885 | 1.0000000000038891 | 11571102.41062601 | 0.999999999999655 | 11749300.163225269 | 1.0000000000012996 | 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) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 47247.45638 | 44844.32715 | 92091.78353 | 0.5130474681773166 | 32291.83684 | 55978.58771 | 88270.42455 | 0.36582849810253915 Avoirs à la BRH | 1441163.44401 | 529689.2912 | 1970852.73521 | 0.7312385234386576 | 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 | 103095.03791 | 163200.6638 | 266295.70171 | 0.38714495670783317 | 43834.41787 | 114912.34272 | 158746.76059 | 0.2761279518844007 Autres liquidités | 14171.20684 | 12962.24511 | 27133.451950000002 | 0.5222780671664594 | 11540.30792 | 36721.44394 | 48261.75186 | 0.23911912591728285 1605677.1451400002 | 750696.52726 | 2356373.6724 | 0.6814187257085568 | 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 | 1691176.38044 | 636656.57707 | 2327832.95751 | 0 | 1365920.21608 | 351632.07506999996 | 1717552.29115 | 0.7952714005379352 Portefeuille net | 2541323.01723 | 2515552.03804 | 5056875.055269999 | 0.502548113104272 | 2234380.659359 | 2586942.62748 | 4821323.286839 | 0.4634372197065269 Immobilisations | 0 | 553756.39289 | 553756.39289 | 0 | 0 | 645881.5596399999 | 645881.5596399999 | 0 Autres actifs | 1056214.29246 | 398247.79268 | 1454462.0851399999 | 0.7261889486506165 | 864641.9928800002 | 334411.6585 | 1199053.6513800002 | 0.7211036736220077 | 297367.42498 6894390.835270001 | 4854909.32794 | 11749300.16321 | 0.5867916164792575 | 5578505.074259 | 4500293.361489999 | 10078798.435748998 | 0.5534890998982894 | 297367.42498 297367.42498 PASSIF | 297367.42498 Dépôts | 297367.42498 À vue | 3061375.725333726 | 645325.7790999999 | 3706701.504433726 | 0.8259029548702259 | 2259948.00985 | 541129.97997 | 2801077.98982 | 0.8068136689029592 Épargne | 870216.252482448 | 312652.84465999994 | 1182869.097142448 | 0.7356826335092357 | 695751.5105300001 | 242687.70386 | 938439.2143900001 | 0.7413921965976765 À terme | 2424867.9351790952 | 707380.1212300002 | 3132248.0564090954 | 0.7741621645250657 | 2184475.42067 | 664423.0661800001 | 2848898.48685 | 0.7667789606239546 6356459.9129952695 | 1665358.74499 | 8021818.65798527 | 0.7923963609757958 | 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 | 121438.33314999999 | 166331.44745999997 | 287769.78060999996 | 0.4219982129206934 | 64032.45943 | 119266.36308999998 | 183298.82252 | 0.349333719386077 121438.33314999999 | 166331.44745999997 | 287769.78060999996 | 0.4219982129206934 | 64032.45943 | 119266.36308999998 | 183298.82252 | 0.349333719386077 Obligations à terme Banques locales | 0 | 1742664.8847400001 | 1742664.8847400001 | 0 | 0 | 1733797.70961 | 1733797.70961 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 278960.139 | 69432.05439 | 348392.19339000003 | 0.8007072038141917 | 230818.566 | 63432.935829999995 | 294251.50182999996 | 0 278960.139 | 1812096.93913 | 2091057.07813 | 0.1334062766232425 | 230818.566 | 1797230.64544 | 2028049.2114400002 | 0.11381309915853033 Autres passifs | 134299.03019999998 | 262221.55537 | 396520.58557 | 0.3386937149982883 | 140817.37488000002 | 278480.19346 | 419297.56834 | 0.3358411436476875 6891157.41534527 | 3906008.68695 | 10797166.10229527 | 0.6382376032800258 | 3569028.71031 | 3643217.9519999996 | 9219061.29336 | 0.3871358044750805 AVOIR DES ACTIONNAIRES Capital versé | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Réserves | 0 | 291655.27446 | 291655.27446 | 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 | 360478.78646999993 | 360478.78646999993 | 0 | 0 | 245228.41199 | 245228.41199 | 0 0 | 952134.0609299999 | 952134.0609299999 | 0 | 859737.1417099999 | 859737.1417099999 6891157.41534527 | 4858142.74788 | 11749300.16322527 | 0.5865164154129157 | 5575843.34136 | 4502955.09371 | 10078798.43507 | 0.5532250076515469 *Converties au taux de 117,7047 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 | 0.18747847264558667 | 126975.41782999999 | 0.011339240733412503 | 128415.22266 | 0.10450398287694701 | 141835.12488999998 | 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 | 0.16682577214336064 | 12773.84563 | 0.030158680569556666 | 13159.087959999997 | 1.297632069327699 | 30234.742500000004 | 0 | 2580.14903 | 2.1509124765556664 | 8129.823770000001 | 0.18802572518739866 | 9658.439780000002 | 0 | 8663.3874 117876.12364 | 0.1855603929325138 | 139749.26346 | 0.013059440277639776 | 141574.31062 | 0.2154031803965705 | 172069.86738999997 | 121100.04109000001 | 0.005976479970490797 | 121823.79306000001 | 0.13613498384368888 | 138408.27316 | 0.2834035408754461 | 177633.66786 Dépenses d'intérêt | 39285.05425 | 0.017458104693848047 | 39970.89684 | 0.024358812275977026 | 40944.540412628005 | 0.015123914382197075 | 41563.782136247 | 37643.587159999995 | 0.010930535080281042 | 38055.05170999999 | 0.055776977421429744 | 40177.64747 | -0.017138299361956277 | 39489.07092 78591.06939 | 0.26958911991463336 | 99778.36661999999 | 0.008532947734197067 | 100629.770207372 | 0.29689340425615196 | 130506.08525375297 | 83456.45393000002 | 0.003741920550110387 | 83768.74135000003 | 0.17264058295415685 | 98230.62569000002 | 0.4063291969244095 | 138144.59694 AUTRES REVENUS Commissions | 4873.622629999998 | 0.07590970374331274 | 5243.577880000003 | 0.1747318149873651 | 6159.797760000003 | -0.00303959654675602 | 6141.074459999992 | 2813.62714 | 0.8072580896415434 | 5084.9504099999995 | 0.25497511980652776 | 6381.486250000002 | 0.06023669956195473 | 6765.885919999997 Gains sur change | 3147.7153200000002 | -0.2663478220768706 | 2309.3282000000004 | 0.1521474773486072 | 2660.6866600000003 | -1.1171010381207382 | -311.56917 | 8182.473059999999 | -0.7300231771248876 | 2209.078079999999 | 0.3945842240216337 | 3080.745439999999 | 0.9775687666034503 | 6092.385960000001 Autres | 6282.28881 | 0.045561880177234504 | 6568.521700000001 | 0.01562649781609132 | 6671.16469 | 8.846660160926113 | 65688.69158 | 8398.43907 | -0.5052551545152782 | 4155.0844400000005 | 0.16268849159657503 | 4831.06886 | 2.9349028715769534 | 19009.78673 14303.62676 | -0.012737956817323691 | 14121.427780000004 | 0.09703135910524764 | 15491.649110000004 | 3.6165644704561712 | 71518.19686999999 | 19394.53927 | -0.4096733740043107 | 11449.11293 | 0.2484199114280202 | 14293.30055 | 1.2295801098228498 | 31868.05861 PRODUIT NET BANCAIRE | 92894.69615 | 0.22611730400713498 | 113899.79439999998 | 0.019505082771001155 | 116121.419317372 | 0.7397675925024602 | 202024.28212375296 | 102850.99320000003 | -0.07421551005498696 | 95217.85428000003 | 0.18175238342495426 | 112523.92624000002 | 0.5109022696860348 | 170012.65555 Dotation à la provision pour créances douteuses | -17835.72902 | 1.3364034065146388 | 6000 | 1.5158245029548803e-16 | 6000.000000000001 | 1.8168106883333328 | 16900.864129999998 | 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 | -0.02556326109697731 | 107899.79439999998 | 0.02058970482497985 | 110121.419317372 | 0.681084562306846 | 185123.41799375296 | 99517.65986000003 | -0.09344879695807591 | 90217.85427000003 | 0.1918253554136539 | 107523.92623000001 | 0.3501825278353209 | 145176.92651999998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29432.390459999995 | 0.11203343691982268 | 32729.802319999995 | 0.058086407654172736 | 34630.95896 | 0.06587586276877336 | 36912.303259999986 | 32070.255169999997 | -0.05745625815050212 | 30227.61831 | 0.09822811375839395 | 33196.820239999994 | 0.06170111670912246 | 35245.10111999999 Frais de locaux | 13632.85044 | 0.04472530397685487 | 14242.58382 | 0.05404897452097291 | 15012.38087 | 0.017576331981244267 | 15276.243460000002 | 13286.73277 | -0.03353853936207368 | 12841.115160000001 | -0.03795108788666937 | 12353.780869999999 | -0.12164018253304167 | 10851.06471 Amortissement | 4683.08713 | 0.02002690263847406 | 4776.874860000001 | 0.006810921565568965 | 4809.409779999999 | -0.022088598156424524 | 4703.176660000001 | 4700.70154 | 0.041858318024590224 | 4897.465000000001 | 0.01516111498499741 | 4971.716030000001 | -0.03574639800978411 | 4793.995089999998 Autres dépenses d'exploitation | 22287.78549 | -0.11208081489840287 | 19789.75233 | -0.051855004190443914 | 18763.554640000002 | 0.23662479179371526 | 23203.476850000003 | 21564.08356 | -0.13471858063974218 | 18659.00083 | 0.0890810314627118 | 20321.163869999997 | 0.09235346469355596 | 22197.893760000006 70036.11352 | 0.021458926466141275 | 71539.01333 | 0.02344582126486555 | 73216.30425000002 | 0.0939530621009182 | 80095.20022999999 | 71621.77304 | -0.06976333491785325 | 66625.19930000001 | 0.06331360737858206 | 70843.48100999999 | 0.031683559842057694 | 73088.05468 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 40694.31165 | -0.1064898361537962 | 36360.78106999998 | 0.014970360409037266 | 36905.11506737198 | 1.845898666675856 | 105028.21776375297 | 27895.88682000003 | -0.15426044268701283 | 23592.654970000018 | 0.5547400352627628 | 36680.44522000002 | 0.9653216150357276 | 72088.87183999998 Impôts sur le revenu | 10987.463983499994 | -0.1064898227340805 | 9817.410891599986 | 0.014970359927154377 | 9964.381066200003 | 1.845898667142646 | 28357.618795200007 | 7531.88944 | -0.15426044173319683 | 6370.016847899999 | 0.5547385598461922 | 9903.710820300026 | 0.8768185837373735 | 18587.468515499997 BÉNÉFICE NET | 29706.84766650001 | -0.1064898411172526 | 26543.370178399997 | 0.014970360587267924 | 26940.73400117198 | 1.8458986665032078 | 76670.59896855296 | 20363.99738000003 | -0.15426044303979408 | 17222.63812210002 | 0.5547405809647827 | 26776.7343997 | 0.9980555704021697 | 53501.40332449998 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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 | 126975.41782999999 | 0.11681752887105998 | 113693.96929000001 | 128415.22266 | -0.0025989215769499814 | 128749.83338 | 141835.12488999998 | -0.16059129153439297 | 168970.28045999998 | 504154.37145999994 | -0.04864682193806706 | 529933.9751899999 | 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 | 12773.84563 | 0.5712327833153016 | 8129.823770000001 | 13159.087959999997 | 0.3624444796196673 | 9658.439780000002 | 30234.742500000004 | 2.489944649133433 | 8663.3874 | 67115.19365 | 1.3117820354313419 | 29031.799980000003 | 29031.799980000003 117876.12364 | -0.02662193522794954 | 121100.04109000001 | 139749.26346 | 0.14714260613418448 | 121823.79306000001 | 141574.31062 | 0.022874625827749847 | 138408.27316 | 172069.86738999997 | -0.03132176764139704 | 177633.66786 | 571269.56511 | 0.02201170534324406 | 558965.7751699999 | 558965.7751699999 Dépenses d'intérêt | 39285.05425 | 0.04360549070478133 | 37643.587159999995 | 39970.89684 | 0.050344042220722265 | 38055.05170999999 | 40944.540412628005 | 0.019087552181860014 | 40177.64747 | 41563.782136247 | 0.05253887133607448 | 39489.07092 | 161764.273638875 | 0.041186249571496025 | 155365.35726 | 155365.35726 78591.06939 | -0.05829848155399589 | 83456.45393000002 | 99778.36661999999 | 0.19111693708168573 | 83768.74135000003 | 100629.770207372 | 0.024423589898972 | 98230.62569000002 | 130506.08525375297 | -0.05529359711089268 | 138144.59694 | 409505.291471125 | 0.014630494169710599 | 403600.41790999996 | 403600.41790999996 AUTRES REVENUS Commissions | 4873.622629999998 | 0.7321494240349125 | 2813.62714 | 5243.577880000003 | 0.031195480232815702 | 5084.9504099999995 | 6159.797760000003 | -0.03473931954331149 | 6381.486250000002 | 6141.074459999992 | -0.09234732411805217 | 6765.885919999997 | 22418.072729999996 | 0.0651965355925976 | 21045.949719999997 | 21045.949719999997 Gains sur change | 3147.7153200000002 | -0.6153100295083648 | 8182.473059999999 | 2309.3282000000004 | 0.04538097630302029 | 2209.078079999999 | 2660.6866600000003 | -0.13634972060528266 | 3080.745439999999 | -311.56917 | -1.0511407471630376 | 6092.385960000001 | 7806.161010000002 | -0.6010075300715816 | 19564.682539999998 | 19564.682539999998 Autres | 6282.28881 | -0.25196947222717664 | 8398.43907 | 6568.521700000001 | 0.5808395220001835 | 4155.0844400000005 | 6671.16469 | 0.3808879325309387 | 4831.06886 | 65688.69158 | 2.4555196495884095 | 19009.78673 | 85210.66678 | 1.3413139305349486 | 36394.379100000006 | 36394.379100000006 14303.62676 | -0.26249205712634605 | 19394.53927 | 14121.427780000004 | 0.23340802613604794 | 11449.11293 | 15491.649110000004 | 0.08383987699747936 | 14293.30055 | 71518.19686999999 | 1.2441968538227182 | 31868.05861 | 115434.90052 | 0.49905698968524886 | 77005.01136 | 77005.01136 PRODUIT NET BANCAIRE | 92894.69615 | -0.09680312012776966 | 102850.99320000003 | 113899.79439999998 | 0.19620207009772947 | 95217.85428000003 | 116121.419317372 | 0.03197091674262203 | 112523.92624000002 | 202024.28212375296 | 0.18828966861433724 | 170012.65555 | 524940.191991125 | 0.09224773592022438 | 480605.42926999996 | 480605.42926999996 Dotation à la provision pour créances douteuses | -17835.72902 | -6.350718695298562 | 3333.33334 | 6000 | 0.19999999760000006 | 5000.00001 | 6000.000000000001 | 0.19999999760000026 | 5000.00001 | 16900.864129999998 | -0.3194939391718755 | 24835.729030000002 | 11065.13511 | -0.7101019931550905 | 38169.06239000001 | 38169.06239000001 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 110730.42517 | 0.11267111109499485 | 99517.65986000003 | 107899.79439999998 | 0.1959915836291365 | 90217.85427000003 | 110121.419317372 | 0.024157349702947 | 107523.92623000001 | 185123.41799375296 | 0.27515730241230746 | 145176.92651999998 | 513875.056881125 | 0.1614665867204832 | 442436.36688 | 442436.36688 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29432.390459999995 | -0.0822526885432325 | 32070.255169999997 | 32729.802319999995 | 0.08277807349354457 | 30227.61831 | 34630.95896 | 0.04320108702073721 | 33196.820239999994 | 36912.303259999986 | 0.04730308857175991 | 35245.10111999999 | 133705.455 | 0.022683683752367855 | 130739.79483999997 | 130739.79483999997 Frais de locaux | 13632.85044 | 0.026049870648523595 | 13286.73277 | 14242.58382 | 0.10913917074473137 | 12841.115160000001 | 15012.38087 | 0.21520537137388956 | 12353.780869999999 | 15276.243460000002 | 0.4078105576056417 | 10851.06471 | 58164.05859 | 0.1790164787618951 | 49332.693510000005 | 49332.693510000005 Amortissement | 4683.08713 | -0.0037471874889551345 | 4700.70154 | 4776.874860000001 | -0.02462297127187233 | 4897.465000000001 | 4809.409779999999 | -0.032645921251460194 | 4971.716030000001 | 4703.176660000001 | -0.01894420588570037 | 4793.995089999998 | 18972.54843 | -0.020209238917490813 | 19363.877660000002 | 19363.877660000002 Autres dépenses d'exploitation | 22287.78549 | 0.0335605233575713 | 21564.08356 | 19789.75233 | 0.06060086015870542 | 18659.00083 | 18763.554640000002 | -0.07664960727468385 | 20321.163869999997 | 23203.476850000003 | 0.0453008335327755 | 22197.893760000006 | 84044.56931 | 0.015740797351912778 | 82742.14202 | 82742.14202 70036.11352 | -0.022139350265936966 | 71621.77304 | 71539.01333 | 0.07375308564367768 | 66625.19930000001 | 73216.30425000002 | 0.03349388265753187 | 70843.48100999999 | 80095.20022999999 | 0.09587265088227118 | 73088.05468 | 294886.63133 | 0.04503575906159715 | 282178.50802999997 | 282178.50802999997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 40694.31165 | 0.45879254216159604 | 27895.88682000003 | 36360.78106999998 | 0.5411907272087723 | 23592.654970000018 | 36905.11506737198 | 0.006125057807353374 | 36680.44522000002 | 105028.21776375297 | 0.4569269164991416 | 72088.87183999998 | 218988.42555112502 | 0.3664754235615759 | 160257.85885000002 | 160257.85885000002 Impôts sur le revenu | 10987.463983499994 | 0.4587925209242044 | 7531.88944 | 9817.410891599986 | 0.5411907261809656 | 6370.016847899999 | 9964.381066200003 | 0.006126011451749873 | 9903.710820300026 | 28357.618795200007 | 0.5256310331637001 | 18587.468515499997 | 59126.87473649999 | 0.394729207997185 | 42393.085623700026 | 42393.085623700026 BÉNÉFICE NET | 29706.84766650001 | 0.45879255001652164 | 20363.99738000003 | 26543.370178399997 | 0.5411907275889198 | 17222.63812210002 | 26940.73400117198 | 0.006124705090020888 | 26776.7343997 | 76670.59896855296 | 0.4330577181971426 | 53501.40332449998 | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999 | 117864.77322629999 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 504154.37145999994 | -0.04864682193806706 | 529933.9751899999 | 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 | 67115.19365 | 1.3117820354313419 | 29031.799980000003 | 29031.799980000003 | 1.1462495557952865 | 13526.75876 | -0.4215103039300804 | 23382.886249999996 | -0.5595688381679579 | 53090.89882 571269.56511 | 0.02201170534324406 | 558965.7751699999 | 558965.7751699999 | -0.08924414878749332 | 613738.33001 | 0.05317161302598227 | 582752.44264 | 0.1577435414236141 | 503351.92708000005 Dépenses d'intérêt | 161764.273638875 | 0.041186249571496025 | 155365.35726 | 155365.35726 | -0.14433742820447154 | 181573.16024 | -0.26256024156825547 | 246221.00743000003 | 0.18329994445756406 | 208079.96196 409505.291471125 | 0.014630494169710599 | 403600.41790999996 | 403600.41790999996 | -0.06609683949125827 | 432165.16977000004 | 0.28417474433056544 | 336531.43521 | 0.1397337877073155 | 295271.96512000007 AUTRES REVENUS Commissions | 22418.072729999996 | 0.0651965355925976 | 21045.949719999997 | 21045.949719999997 | -0.11813599489783431 | 23865.300769999998 | 0.3583651339024408 | 17569.135260000003 | -0.09248961744497271 | 19359.707169999998 Gains sur change | 7806.161010000002 | -0.6010075300715816 | 19564.682539999998 | 19564.682539999998 | -0.608612221926647 | 49987.975190000005 | 1.3463635189092802 | 21304.446130000004 | 0.1164540272069853 | 19082.24218 Autres | 85210.66678 | 1.3413139305349486 | 36394.379100000006 | 36394.379100000006 | 38309.274300000005 | 14151.36368 | 36591.35286 115434.90052 | 0.49905698968524886 | 77005.01136 | 77005.01136 | 112162.55026 | 53024.94507000001 | 75033.30221 PRODUIT NET BANCAIRE | 524940.191991125 | 0.09224773592022438 | 480605.42926999996 | 480605.42926999996 | 544327.7200300001 | 389556.38028000004 | 370305.26733000006 Dotation à la provision pour créances douteuses | 11065.13511 | -0.7101019931550905 | 38169.06239000001 | 38169.06239000001 | -0.4548554297887071 | 70016.40385999999 | 1.1040100502705938 | 33277.59953 | 3.057751603814935 | -16171.825339999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 513875.056881125 | 0.1614665867204832 | 442436.36688 | 442436.36688 | -0.0672025907949784 | 474311.3161700001 | 0.3312926331776779 | 356278.78075000003 | -0.07813739156277845 | 386477.09267000004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 133705.455 | 0.022683683752367855 | 130739.79483999997 | 130739.79483999997 | 0.09225518483576824 | 119697.11534 | 0.14860336496865487 | 104211.00877 | 0.29706568313219434 | 80343.66349 Frais de locaux | 58164.05859 | 0.1790164787618951 | 49332.693510000005 | 49332.693510000005 | 0.05880450071849114 | 46592.82566 | 0.14215284257692892 | 40793.86219 | 0.030840805156282087 | 39573.38707 Amortissement | 18972.54843 | -0.020209238917490813 | 19363.877660000002 | 19363.877660000002 | 0.11487532030262587 | 17368.64859 | 0.2252690793554905 | 14175.37493 | 0.46123948664450987 | 9700.92518 Autres dépenses d'exploitation | 84044.56931 | 0.015740797351912778 | 82742.14202 | 82742.14202 | -0.009560738240887698 | 83540.85426000001 | 0.1718555969927211 | 71289.37599 | 0.08324815274920079 | 65810.75242 294886.63133 | 0.04503575906159715 | 282178.50802999997 | 282178.50802999997 | 0.056059488613340494 | 267199.44385 | 0.15936947208220062 | 230469.62188 | 0.1793026749440418 | 195428.72816 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 218988.42555112502 | 0.3664754235615759 | 160257.85885000002 | 160257.85885000002 | -0.22622562842562635 | 207111.87232000014 | 0.6462384311305274 | 125809.15887000004 | -0.34148005300817524 | 191048.36451000004 Impôts sur le revenu | 59126.87473649999 | 0.394729207997185 | 42393.085623700026 | 42393.085623700026 | -0.22561407313704365 | 54744.1322900001 | 1.74560407614133 | 19938.82977 | -0.6134616600734702 | 51583.05842 BÉNÉFICE NET | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999 | 117864.77322629999 | -0.2264453538321608 | 152367.74003000004 | 0.4391920883336517 | 105870.32910000005 | -0.2408841161422641 | 139465.30609000003 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.sept. 22 | 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 | 0.04842928037182723 | 194686132.7903877 | 0.05851819858823448 | 206078814.571391 | 0.06127700535944964 | 218706707.19635114 | 0.20484270627840398 | 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 | 0.07516161575140681 | 43266315.300340004 | 0.04767309076175907 | 45328954.27658 | 0.1520138138271628 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003 | -0.19103341200633464 | 38736782.90442001 | 0.20484090978454544 | 32150952.53642 Dépôts | 160528799.63742182 | 0.03204550352141959 | 165673025.85149208 | 0.07757425176231929 | 178524986.86912096 | 0.04830102498709286 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 | 0.5242263625731667 | 102797482.25206877 | -0.1137009940448456 | 115985103.85474831 | 0.19488506221538535 | 97068000.53195517 Avoir des Actionnaires | 13930342.47979 | 0.08433579113682417 | 15105168.933629999 | -0.004206099966121395 | 15041635.08309 | 0.09471954864678962 | 16466371.96907 | 0.23551904190526105 | 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. 21-sept 22) | (oct. 20-sept. 21) Résultats Revenus nets d'intérêt | 872904.7152700002 | 0.16577571148369352 | 748775.86372 | 929695.06788 | 0.26181373774562355 | 736792.6343400001 | 926345.339 | 0.13668573830233668 | 814952.90016 | 1176642.54808 | 0.39477535813923337 | 843607.20973 | 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996 Autres revenus | 1192303.7280200003 | -0.05672189750372694 | 1264000.21888 | 1547872.7508800002 | -0.04381000643771004 | 1618792.0406 | 2274614.4204599997 | 0.428884089461087 | 1591881.69092 | 2118004.33666 | 0.1848315851815577 | 1787599.4893699999 | 7132795.236020001 | 0.13901050546939595 | 6262273.43977 Dot. à la prov. pr créances douteuses | 11980.207999999999 | -0.6986653976290057 | 39757.16 | -139327.18928 | -2.0909554136815203 | -45075.76805 | -69173.32841 | -2.5418476229896987 | 44863.92 | 10094.44786 | 1.2366416257453916 | -42657.11 | -186425.86183 | -58.90937034940303 | -3111.7980499999976 Dépenses d'exploitation | 1405955.17441 | 0.2041352651455705 | 1167605.6794500002 | 1511743.91518 | 0.26070933281383774 | 1199121.6974699998 | 1571209.0864 | 0.24724467906867142 | 1259744.06848 | 1835704.2272800002 | 0.3761118666237557 | 1333978.9241 | 6324612.40327 | 0.2750076973167062 | 4960450.3695 Bénéfice (perte) net | 605595.2088000003 | -0.11497138329688751 | 684266.2456 | 992461.2590000002 | -0.03173801394942195 | 1024992.4847800005 | 1448631.14946 | 0.43301149916149456 | 1010899.8778499998 | 1424736.9001599997 | 0.05173853961674666 | 1354649.3225199997 | 4471424.51742 | 0.09733381141157266 | 4074807.9307499994 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. 21-sept 22) | (oct. 20-sept. 21) | 2021 | 2020 | 2019 | 2018 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07501807515558408 | 0.09014606037780196 | 0.07758728737959601 | 0.08489967587128552 | 0.07298972053179775 | 0.07696545641513045 | 0.07528974387734151 | 0.0734203971703253 | 0.07528974387734151 | 0.0734203971703253 | 0.0734203971703253 | 0.0924458378601654 | 0.08837504761402487 | 0.09186105462565361 Dépôts en % de l'actif | 0.8644842417411513 | 0.848406344609892 | 0.8509749691821498 | 0.8477213180020461 | 0.8662947098197487 | 0.8675694140088377 | 0.8557027313876048 | 0.8631776716154627 | 0.8557027313876048 | 0.8631776716154627 | 0.8631776716154627 | 0.8498735706272129 | 0.8471521748170548 | 0.8582491898062627 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0012444096297049678 | 0.008160825152327258 | 0.0020334703426735747 | 0.006342784256435427 | 0.0020469217341074764 | 0.006829286341240245 | 0.00150175380596432 | 0.00510104968168687 | 0.00150175380596432 | 0.00510104968168687 | 0.00510104968168687 | 0.007357425798568143 | 0.007531583505766791 | 0.0009692811640748915 Provisions pour créances douteuses en % des prêts improductifs bruts | 15.52892382998423 | 3.3531612988786104 | 7.769483162232821 | 3.8172097800532683 | 7.19781739606222 | 3.8274468234960537 | 9.169258965939676 | 4.3646363278449485 | 9.169258965939676 | 4.3646363278449485 | 4.3646363278449485 | 3.4385272737597514 | 1.741309741311233 | 6.802098296045859 Prêts improductifs nets en % de l'avoir des actionnaires | -0.05325811370584367 | -0.052749581107391905 | -0.04006211592461645 | -0.04839020566217188 | -0.03880314185298652 | -0.05408616084723422 | -0.03944924059046916 | -0.05380588016584977 | -0.03944924059046916 | -0.05380588016584977 | -0.05380588016584977 | -0.05158466141060321 | -0.018112253111637455 | -0.01751892440491448 Rentabilité ROA (rendement de l'actif) | 0.013193213907987396 | 0.021673758006321035 | 0.02087308769862451 | 0.029466854034049854 | 0.028917322415471455 | 0.02603528974661471 | 0.02683211789763392 | 0.03136814345189947 | 0.022344288908249615 | 0.026942727683757217 | 0.026942727683757217 | 0.004703772889657475 | 0.02259035407657341 | 0.017060211186497757 ROE (rendement avoir des action.) | 0.17773830903005863 | 0.23752732553700803 | 0.2734475711121911 | 0.33722268121826876 | 0.384420490784114 | 0.3225716393846873 | 0.3617459899133362 | 0.4176692944741584 | 0.3001573948726735 | 0.33250992580766514 | 0.33250992580766514 | 0.05209944945323502 | 0.25113775407264566 | 0.1722516699332088 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8196891011932392 | 0.8121787384952652 | 0.8228894595655942 | 0.8137095348514025 | 0.8049924557813037 | 0.8171584027298451 | 0.8383169864575818 | 0.8143983484464385 | 0.8223947513581819 | 0.8144197355633667 | 0.8144197355633667 | 0.7526856023912105 | 0.7713337934352702 | 0.7705328185157186 Rendement moyen des prêts | 0.08110200438311217 | 0.08706029625624709 | 0.08129511629964044 | 0.08028179525693957 | 0.08003014934419056 | 0.08742319634003601 | 0.08616690466955708 | 0.08341231836162408 | 0.07746518073442459 | 0.07923305842060718 | 0.07923305842060718 | 0.10349718727420207 | 0.10914966133935232 | 0.0978000610885603 Rendement moyen des prêts productifs | 0.08136155684165879 | 0.08774133154736452 | 0.0814296807005268 | 0.08086697378266583 | 0.08019377262685874 | 0.08800329345712204 | 0.08631841208813087 | 0.08390678795619183 | 0.07770523120931115 | 0.07971792423496582 | 0.07971792423496582 | 0.10427436132643232 | 0.10965032220657434 | 0.09796264458623037 Rémunération moyenne des dépôts | 0.004842563642848403 | 0.0064593769735604295 | 0.004907350022829359 | 0.005718215694714083 | 0.005215718597937413 | 0.0054722765556840195 | 0.004964755579890735 | 0.005145168179978547 | 0.004906166998469684 | 0.00552208416672816 | 0.00552208416672816 | 0.009864320691438952 | 0.009444605335615003 | 0.008493982118062552 Dépenses d'exploitation en % du produit net bancaire | 0.6807812446138509 | 0.5800971551399535 | 0.6101725667136788 | 0.5090548050456063 | 0.49085561971109004 | 0.5234028433647885 | 0.5571778377168534 | 0.5069837062045659 | 0.572965483892479 | 0.5273483255696426 | 0.5273483255696426 | 0.892320545087006 | 0.5811749575711319 | 0.6652059554244748 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6293.968589074287 | 6150.576264629489 | 7454.134091793908 | 7264.717578843486 | 9562.239759402539 | 7388.594293415194 | 9809.145916605881 | 8049.580723824091 | 8302.657319481008 | 7150.438652770809 | 7150.438652770809 | 4908.461462201694 | 6122.430413302108 | 4266.680721185528 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept. 22 | 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 | 0.7920389740112322 | 5967633.78760368 | 0.11015331896069858 | 6624988.45565023 | -0.19422652374985633 | 5338239.978026357 | 0.06204019493204622 | 5026401.075495942 | 0.08848749382580189 | 4617784.8657031525 | 0.9676072038758814 | 2346903.82135562 | 0.7272347880190411 | 1358763.6363249 Avoirs à la BRH | 75394417.43543717 | 0.009430342341790372 | 76105412.6025132 | 0.08842129112525704 | 82834751.44644782 | 0.09451779140803387 | 90664109.2049995 | 0.25332650026526293 | 72338779.38893872 | 0.6051743087136726 | 45065996.25738363 | -0.13419233855088725 | 52050817.13178205 | 0.24934793414521225 | 41662387.0014197 Avoirs à l'étranger | 19096774.33684147 | 0.0911364128003525 | 20837185.845959034 | 0.00606857442555621 | 20963637.859084383 | -0.1916510845975687 | 16945933.926280208 | -4.859193621607797e-05 | 16946757.402034957 | 0 | 8704248.558392948 | 0 | 7380096.758453228 | 0 | 3033594.8964456515 Avoirs dans les banques locales | 2.37455444294028e-09 | -2.5596524256961315 | -3.7034795968793333e-09 | 0.22053913070265524 | -2.886717426008545e-09 | 3.208711525792851 | 6.375926050532144e-09 | 0 | 6.110186409205198e-09 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 737278.8199936841 | 0.564969773890052 | 1153819.06821944 | 0.2045076160761045 | 1389783.85524415 | -0.2775176940456932 | 1004094.24451486 | 0.2843687185670473 | 781780.364158288 | 0.017216064289898983 | 768548.975584686 | 0.9415979990209538 | 395833.213658144 | -0.6217753306554045 | 1046555.779516078 98558550.94998126 | 0.05586019986341059 | 104064051.30429535 | 0.0744648148424659 | 111813161.61642657 | 0.019132056606474435 | 113952377.35382092 | 0.19831656048463345 | 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 | 0.2847682119205298 | 9700000 | -0.30927835051546393 | 6700000 | -0.07462686567164178 | 6200000 | -0.08823529411764706 | 6800000 | 1.0606060606060606 | 3300000 | 130.9999997888 | 25000.00004 | -0.8795557495944972 | 207564.91037 Autres Placements | 33791025.81473601 | -0.05174937053282732 | 32042361.4991649 | 0.12966156046630464 | 36197024.092172064 | 0.1108938411147836 | 40211051.13067739 | 0.21842040898893045 | 33002607.99476046 | 0.4985364549485395 | 22023226.652763538 | -0.2711627859635168 | 30216934.90483751 | 0.1162748414415176 | 27069440.0545805 Portefeuille net | 40241685.21874 | 0.07516161575140681 | 43266315.300340004 | 0.04767309076175907 | 45328954.27658 | 0.1520138138271628 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003 | -0.19103341200633464 | 38736782.90442001 | 0.20484090978454544 | 32150952.53642 Immobilisations | 3080944.37777 | 0.05077300723397789 | 3237373.18895 | 0.00050164678435688 | 3238997.2068 | 0.025829597578645048 | 3322659.201209999 | 0.08831236168912789 | 3053038.18846 | 0.0630382175710019 | 2871992.87664 | 0.0940721311798342 | 2625048.9294 | 0.08355917371391151 | 2422617.05044 Autres actifs | 2470940.935595562 | -0.038410241455345245 | 2376031.49763744 | 0.1787206449902385 | 2800677.3794123256 | 0.00012876823055071448 | 2801038.017682816 | 0.028759379817235177 | 2722733.8798898105 | 0.20068830330166665 | 2267644.210743792 | -0.2765190868696069 | 3134352.5027246904 | -0.11662199052644559 | 3548144.1343469657 185693147.29682285 | 0.04842928037182723 | 194686132.7903877 | 0.05851819858823448 | 206078814.571391 | 0.06127700535944964 | 218706707.19635114 | 0.20484270627840398 | 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 | 0.04593625774759014 | 74875776.42385721 | 0.052512892512234115 | 78807720.0229733 | 0.07777591181337641 | 84937062.30569333 | 0.19847177099902089 | 70871141.36605118 | 0.6036145682686481 | 44194623.05245058 | -0.09476845245084697 | 48821346.50753637 | 0.21182725942278177 | 40287381.000812754 Épargne | 64599656.28404063 | 0.031018074350582004 | 66603413.225681044 | 0.09523435433565226 | 72946346.28077942 | 0.024271783699012006 | 74716884.21933973 | 0.21478062858724267 | 61506483.11393759 | 0.524906685371339 | 40334588.144952476 | -0.06770038882787079 | 43263547.106108956 | 0.26261632832742743 | 34264998.90383934 À terme | 24341820.637271136 | -0.0060794316712166115 | 24193836.201953836 | 0.10651821984337782 | 26770920.565368228 | 0.027009143318025484 | 27493980.195673734 | 0.1310202466599536 | 24309007.97476168 | 0.3306682335739247 | 18268271.05466571 | -0.23564391817573282 | 23900210.241102997 | 0.06149462352021182 | 22515620.62730308 160528799.63742182 | 0.03204550352141959 | 165673025.85149208 | 0.07757425176231929 | 178524986.86912096 | 0.04830102498709286 | 187147926.7207068 | 0.1944090174683744 | 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 | 0.08471000378362835 | 4915567.37648103 | 0.22236256506514188 | 6008605.547065882 | 0.03049053169761508 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066 | -0.09258012168912726 | 3180921.766413789 | 0.9393928034767269 | 1640163.74646301 4531688.063477618 | 0.08471000378362835 | 4915567.37648103 | 0.22236256506514188 | 6008605.547065882 | 0.03049053169761508 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066 | -0.09258012168912726 | 3180921.766413789 | -0.15500906002742537 | 3764444.8193930103 Obligations à terme Banques locales | 3335600.78599 | 0.5198862835875345 | 5069733.88215 | -0.5022564031448035 | 2523427.5776 | 0.7717700979721588 | 4470933.526389999 | 0.12659567950321746 | 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 | 0.3014907813410715 | 2209621.1538708797 | -0.09443885834491265 | 2000947.0547245452 | 0.12824805176150456 | 2257564.6161708888 | 0.39165437984239937 | 1622216.4417192084 | 1.6411463862480664 | 614209.212395713 | -0.37308118844103855 | 979726.8818084379 | 1.7927280755791506 | 350813.56125417404 5033362.449421884 | 0.44622111146733806 | 7279355.03602088 | -0.3784649038360811 | 4524374.632324545 | 0.4871664460517725 | 6728498.142560888 | 0.20350531227894741 | 5590750.6796292085 | 0.9448907584692668 | 2874583.395125713 | -0.2168011284810618 | 3670310.951228438 | 9.462283550575735 | 350813.56125417404 Autres passifs | 1668954.669669894 | 0.026400310246281835 | 1713015.59073616 | 0.15539662732492598 | 1979212.436091575 | 0.0974563426880446 | 2172099.241515755 | 0.18402509271008033 | 1834504.3993485821 | 0.5088736981905279 | 1215810.4429473171 | -0.38466441259071155 | 1975849.3866187278 | 0.29370985074812794 | 1527273.975285982 171762804.8199912 | 0.04551718308822694 | 179580963.85473013 | 0.06379415381209445 | 191037179.48460296 | 0.05864385024612763 | 202240335.22974062 | 0.20241197206262992 | 168195543.56466982 | 0.5321940719934289 | 109774307.73233742 | -0.12048405459071591 | 124812185.95900927 | 0.21518390032350015 | 102710532.88788833 AVOIR DES ACTIONNAIRES Capital versé | 6300687.5 | 0 | 6300687.5 | 0 | 6300687.5 | 0 | 6300687.5 | -0.00019835169739465045 | 6301937.5 | -0.003402019467221216 | 6323450 | -0.012685996221524817 | 6404700 | -0.004230856685317159 | 6431912.5 Réserves | 1778707.62408 | 0.3821520382932973 | 2458444.36815 | 0.0018488790956130523 | 2462989.73455 | 0.04076583485166019 | 2563395.56731 | 0.44333292640853855 | 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 | 0.0846170166420719 | 6346037.065479999 | -0.01072783159592993 | 6277957.848540001 | 0.2109493381718047 | 7602288.901760001 | 0.44818444648348366 | 5249530.83167 | 0.8920123460933894 | 2774575.35756 | -0.35471344757960316 | 4299756.9795200005 | 0.34740867197515835 | 3191130.5522600003 13930342.47979 | 0.08433579113682417 | 15105168.933629999 | -0.004206099966121395 | 15041635.08309 | 0.09471954864678962 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 | 0.19188117790730216 | 11181897.76121 | -0.07584446130212907 | 12099584.207400002 | 0.16459879809659886 | 10389487.11537 185693147.2997812 | 0.048429280344205315 | 194686132.78836012 | 0.058518198580263706 | 206078814.56769297 | 0.061277005390428525 | 218706707.1988106 | 0.20484270627959664 | 181523037.0395398 | 0.5007335613650962 | 120956205.49354741 | -0.11653902840835889 | 136911770.16640928 | 0.21053709948472998 | 113100020.00325833 Hors-bilan Effets à l'encaissement | 3648.378052342 | 4584.049443434 | 3896.756599501 | 3750.073000181 | 2958.534002186 | 2809.6125314 | 629.0437063559999 | 1197.311534722 Crédit documentaire | 1537809.2840606398 | 1681665.7357104 | 2167905.5821723 | 1809400.1296932271 | 1568762.3525348501 | 1009052.0499766741 | 1317310.419578244 | 1037165.801866848 Autres | 1897810.7787605058 | 2083855.6387447198 | 2297596.6191816498 | 2151870.224273834 | 2359671.6640074262 | 1199427.898695145 | 1528207.0292863299 | 1323377.4992928582 Portefeuille brut | 41034652.89971 | 0.07131047332925494 | 43960853.42089 | 0.04653994845850235 | 46006789.27329 | 0.15088846853632176 | 52948683.249010004 | 0.2672859755683287 | 41781164.05436 | 0.2995648084982276 | 32150119.625540003 | -0.18092122722823067 | 39251560.03829001 | 0.21280290957768924 | 32364335.316409998 Provisions pour créances douteuses | 792967.6809700001 | -0.12412808590079719 | 694538.12055 | -0.02404925423931076 | 677834.99671 | 0.07563309594345656 | 729101.75605 | -0.21620950550054593 | 930225.31042 | 0.14368702614564804 | 813356.5295 | 0.580016818900511 | 514777.13387 | 1.4124586524466716 | 213382.77999 Portefeuille de crédit improductif | 51063.91722 | 0.7506117144296904 | 89393.09167 | 0.05346280255797327 | 94172.29688000001 | -0.1556339897780775 | 79515.88659000001 | -0.6269098213476743 | 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 | 5967633.78760368 | 0.030652587845220798 | 6624988.45565023 | 0.0321478385317243 | 5338239.978026357 | 0.024408213385215368 | 5026401.075495942 | 0.027690155241577558 | 4617784.8657031525 | 0.0381773291157086 | 2346903.82135562 | 0.017141724327269944 | 1358763.6363249 | 0.012013823130416214 Avoirs à la BRH | 75394417.43543717 | 0.40601615370825883 | 76105412.6025132 | 0.39091337175233454 | 82834751.44644782 | 0.4019566573047796 | 90664109.2049995 | 0.4145465421122308 | 72338779.38893872 | 0.398510186747942 | 45065996.25738363 | 0.37258110134661837 | 52050817.13178205 | 0.3801778113628751 | 41662387.0014197 | 0.36836763602225603 Avoirs à l'étranger | 19096774.33684147 | 0.10284049042647796 | 20837185.845959034 | 0.1070296355847479 | 20963637.859084383 | 0.10172631234649325 | 16945933.926280208 | 0.0774824610708735 | 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 | -3.7034795968793333e-09 | -1.9022821727455807e-17 | -2.886717426008545e-09 | -1.400783206178873e-17 | 6.375926050532144e-09 | 2.915286015809267e-17 | 6.110186409205198e-09 | 3.366066648574707e-17 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 737278.8199936841 | 0.003970414798426429 | 1153819.06821944 | 0.005926560108221575 | 1389783.85524415 | 0.006743943370087143 | 1004094.24451486 | 0.004591053733040759 | 781780.364158288 | 0.004306783188053515 | 768548.975584686 | 0.006353944160620713 | 395833.213658144 | 0.0028911554731654663 | 1046555.779516078 | 0.00925336511450076 98558550.94998126 | 0.5307603020613328 | 104064051.30429535 | 0.5345221552905248 | 111813161.61642657 | 0.5425747515530842 | 113952377.35382092 | 0.5210282703013603 | 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 | 9700000 | 0.04982378488376303 | 6700000 | 0.032511832979701796 | 6200000 | 0.028348467586930225 | 6800000 | 0 | 3300000 | 0 | 25000.00004 | 0 | 207564.91037 | 0 Autres Placements | 33791025.81473601 | 0.1819723899704411 | 32042361.4991649 | 0.1645847140723879 | 36197024.092172064 | 0.17564650770849852 | 40211051.13067739 | 0.18385833542167773 | 33002607.99476046 | 0.1818094746173193 | 22023226.652763538 | 0.18207603787630583 | 30216934.90483751 | 0.22070370478778084 | 27069440.0545805 | 0.2393407185481762 Portefeuille net | 40241685.21874 | 0.21671066382657259 | 43266315.300340004 | 0.2222362460038356 | 45328954.27658 | 0.21995931202756838 | 52219581.492960006 | 0.2387653408639094 | 40850938.74394 | 0.22504547858275806 | 31336763.096040003 | 0.2590752823987051 | 38736782.90442001 | 0.2829324524638262 | 32150952.53642 | 0.28427008710041535 Immobilisations | 3080944.37777 | 0.01659158898763904 | 3237373.18895 | 0.016628678902547083 | 3238997.2068 | 0.015717274061074957 | 3322659.201209999 | 0.015192305914180184 | 3053038.18846 | 0.016819012276806992 | 2871992.87664 | 0.02374407220306056 | 2625048.9294 | 0.019173288945167854 | 2422617.05044 | 0.02142012928417623 Autres actifs | 2470940.935595562 | 0.01330658116126313 | 2376031.49763744 | 0.012204420846941557 | 2800677.3794123256 | 0.013590321670072006 | 2801038.017682816 | 0.012807279911942032 | 2722733.8798898105 | 0.014662543661547362 | 2267644.210743792 | 0.018747646732935132 | 3134352.5027246904 | 3548144.1343469657 | 0.03137173746168426 185693147.29682285 | 1 | 194686132.7903877 | 1 | 206078814.571391 | 1 | 218706707.19635114 | 1 | 181523037.03767818 | 0.9775430040373062 | 120956205.49325176 | 1 | 136911770.16667125 | 0 | 113100019.99986379 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 71587322.71611007 | 0.38551407931968906 | 74875776.42385721 | 0.3845973791285564 | 78807720.0229733 | 0.382415437447464 | 84937062.30569333 | 0.3883605738229065 | 70871141.36605118 | 0.3904250530545094 | 44194623.05245058 | 0.36537706248495233 | 48821346.50753637 | 0 | 40287381.000812754 | 0.3562102022692947 Épargne | 64599656.28404063 | 0.34788389999540875 | 66603413.225681044 | 0.34210661165780515 | 72946346.28077942 | 0.3539730487701779 | 74716884.21933973 | 0.34163051136909206 | 61506483.11393759 | 0.3388356878425898 | 40334588.144952476 | 0.333464397138374 | 43263547.106108956 | 0.3159958201799709 | 34264998.90383934 | 0.30296191728242494 À terme | 24341820.637271136 | 0.13108626242605356 | 24193836.201953836 | 0.12427097839578828 | 26770920.565368228 | 0.12990622360210682 | 27493980.195673734 | 0.1257116461956062 | 24309007.97476168 | 0.1339169307183635 | 18268271.05466571 | 0.15103211100388655 | 23900210.241102997 | 0.17456651252122282 | 22515620.62730308 | 0.1990770702545428 160528799.63742182 | 0.8644842417411513 | 165673025.85149208 | 0.8509749691821498 | 178524986.86912096 | 0.8662947098197487 | 187147926.7207068 | 0.8557027313876048 | 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 | 4915567.37648103 | 0.02524867747911693 | 6008605.547065882 | 0.02915683283389786 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 | 2886431.6421956066 | 0.023863444049231877 | 3180921.766413789 | 0.02323336965508118 | 1640163.74646301 | 0.01450188732473244 4531688.063477618 | 0.024404175002935898 | 4915567.37648103 | 0.02524867747911693 | 6008605.547065882 | 0.02915683283389786 | 6191811.12495716 | 0.028311025319393876 | 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 | 5069733.88215 | 0.026040549521872826 | 2523427.5776 | 0.01224496357303055 | 4470933.526389999 | 0.020442599057449443 | 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 | 2209621.1538708797 | 0.011349658664440718 | 2000947.0547245452 | 0.009709620364840394 | 2257564.6161708888 | 0.010322338281761455 | 1622216.4417192084 | 0.008936697337112588 | 614209.212395713 | 0.0050779470957360694 | 979726.8818084379 | 0.00715589960319522 | 350813.56125417404 | 0.0031017992857525272 5033362.449421884 | 0.02710580612528615 | 7279355.03602088 | 0.03739020818631354 | 4524374.632324545 | 0.02195458393787094 | 6728498.142560888 | 0.030764937339210898 | 5590750.6796292085 | 0.030799124843139077 | 2874583.395125713 | 0.023765489198370137 | 3670310.951228438 | 0.026807855502564457 | 350813.56125417404 | 0.0031017992857525272 Autres passifs | 1668954.669669894 | 0.00898770199097406 | 1713015.59073616 | 0.00879885776240935 | 1979212.436091575 | 0.00960415285874 | 2172099.241515755 | 0.009931562087694374 | 1834504.3993485821 | 0.010106179520166356 | 1215810.4429473171 | 0.010051658267463988 | 1975849.3866187278 | 0.014431552409361175 | 1527273.975285982 | 0.013503746288354514 171762804.8199912 | 0.9249819248603474 | 179580963.85473013 | 0.9224127126099895 | 191037179.48460296 | 0.9270102794502575 | 202240335.22974062 | 0.924710256133904 | 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 | 6300687.5 | 0.03236330913606337 | 6300687.5 | 0.030574164127954453 | 6300687.5 | 0.028808844414375232 | 6301937.5 | 0.03471701224727706 | 6323450 | 0.052278839057602465 | 6404700 | 0.04677976182911928 | 6431912.5 | 0.05686924281717851 Réserves | 1778707.62408 | 0.009578746711836431 | 2458444.36815 | 0.012627732303856115 | 2462989.73455 | 0.01195168819110592 | 2563395.56731 | 0.011720699379414218 | 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 | 6346037.065479999 | 0.03259624593967653 | 6277957.848540001 | 0.03046386821273739 | 7602288.901760001 | 0.03476020008355206 | 5249530.83167 | 0.02891936427099537 | 2774575.35756 | 0.022938677236487844 | 4299756.9795200005 | 0.0314053128835135 | 3191130.5522600003 | 0.028215119256953653 13930342.47979 | 0.07501807515558408 | 15105168.933629999 | 0.07758728737959601 | 15041635.08309 | 0.07298972053179775 | 16466371.96907 | 0.07528974387734151 | 13327493.47487 | 0.0734203971703253 | 11181897.76121 | 0.0924458378601654 | 12099584.207400002 | 0.08837504761402487 | 10389487.11537 | 0.09186105462565358 185693147.2997812 | 1.0000000000159315 | 194686132.78836012 | 0.9999999999895854 | 206078814.56769297 | 0.9999999999820554 | 218706707.1988106 | 1.0000000000112454 | 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) Septembre 2022 | Septembre 21 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1938850.3345263572 | 3399389.6435 | 5338239.978026357 | 0.36320029494874545 | 1752939.6874959422 | 3273461.388 | 5026401.075495942 | 0.34874648106408507 Avoirs à la BRH | 65469742.13059951 | 25194367.0744 | 90664109.2049995 | 0.7221131129471166 | 50255472.91515872 | 22083306.47378 | 72338779.38893872 | 0.6947238167367149 Avoirs à l'étranger | 16945933.926280208 | 0 | 16945933.926280208 | 1 | 16946757.402034957 | 0 | 16946757.402034957 | 0 Avoirs dans les banques locales | 0 | 1.2207310646772385e-09 | 1.2207310646772385e-09 | 0 | 5.805003643035889e-09 | 3.0518276616930964e-10 | 6.110186409205198e-09 | 0 Autres liquidités | 533886.6025848599 | 470207.64193 | 1004094.24451486 | 0.5317096532535286 | 389493.392598288 | 392286.97156 | 781780.364158288 | 0.49821332237941296 84888412.99399094 | 29063964.35983 | 113952377.35382095 | 0.7449463974798288 | 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 | 6200000 | 6200000 | 0 | 0 | 6800000 | 6800000 | 0 Autres Placements | 27749695.62293739 | 12461355.50774 | 40211051.13067739 | 0.6901012244807221 | 21552373.746290464 | 11450234.248469999 | 33002607.99476046 | 0.6530506240510492 Portefeuille net | 32583203.242650002 | 19636378.250310004 | 52219581.492960006 | 0.6239652312618154 | 25027513.993140005 | 15823424.750799999 | 40850938.74394 | 0.612654562237023 Immobilisations | 0 | 3322659.201209999 | 3322659.201209999 | 0 | 0 | 3053038.18846 | 3053038.18846 | 0 Autres actifs | 765547.282092816 | 2035490.7355900002 | 2801038.017682816 | 0.27330842254191245 | 729647.9658898101 | 1993085.9139999999 | 2722733.87988981 | 0.2679835775648185 145986859.14167115 | 72719848.05467999 | 218706707.19635114 | 0.6675006039508731 | 116654199.10260817 | 64868837.93506999 | 181523037.03767818 | 0.642641292291703 | 0 0 PASSIF | 0 Dépôts | 0 À vue | 63996058.071853325 | 20941004.233840004 | 84937062.30569333 | 0.7534526899638684 | 52072161.980141185 | 18798979.38591 | 70871141.36605118 | 0.7347442270075374 | 0 Épargne | 53755521.133949734 | 20961363.085389998 | 74716884.21933973 | 0.7194561402767334 | 43044067.64261758 | 18462415.471320003 | 61506483.11393759 | 0.699829765309141 À terme | 21370432.518283732 | 6123547.677390001 | 27493980.195673734 | 0.7772767844521267 | 16725457.398041679 | 7583550.576719999 | 24309007.97476168 | 0.6880353741874837 139122011.7240868 | 48025914.99662001 | 187147926.7207068 | 0.7433799249708374 | 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 | 3377257.3597171586 | 2814553.76524 | 6191811.124957159 | 0.545439337789963 | 2038571.362271572 | 2045084.6686700003 | 4083656.030941572 | 0.49920251530135284 3377257.3597171586 | 2814553.76524 | 6191811.124957159 | 0.545439337789963 | 2038571.362271572 | 2045084.6686700003 | 4083656.030941572 | 0.49920251530135284 Obligations à terme Banques locales | 0 | 4470933.526389999 | 4470933.526389999 | 0 | 0 | 3968534.2379099997 | 3968534.2379099997 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1362876.222440889 | 894688.39373 | 2257564.616170889 | 0.603693118096658 | 993304.9636392081 | 628911.47808 | 1622216.4417192081 | 0.6123134608267894 1362876.222440889 | 5365621.920119999 | 6728498.142560888 | 0.20255281246494838 | 993304.9636392081 | 4597445.7159899995 | 5590750.679629208 | 0.17766933647362837 Autres passifs | 2070401.199225755 | 101698.04229000001 | 2172099.2415157547 | 0.9531798361943021 | 1719382.5430885819 | 115121.85626 | 1834504.399348582 | 0.9372463449524139 145932546.5054706 | 56307788.72427001 | 202240335.22974062 | 0.7215798289678189 | 116592945.88979983 | 51602597.67487001 | 168195543.56466985 | 0.693198781720223 AVOIR DES ACTIONNAIRES Capital versé | 0 | 6300687.5 | 6300687.5 | 0 | 0 | 6301937.5 | 6301937.5 | 0 Réserves | 0 | 2563395.56731 | 2563395.56731 | 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 | 7602288.901760001 | 7602288.901760001 | 0 | 0 | 5249530.83167 | 5249530.83167 | 0 0 | 16466371.96907 | 16466371.96907 | 0 | 0 | 13327493.47487 | 13327493.47487 | 0 0 145932546.5054706 | 72774160.69334 | 218706707.1988106 | 0.6672522684583869 | 116592945.88979983 | 64930091.14974001 | 181523037.03953984 | 0.6423038518488606 *Converties au taux de 117,7047 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 | 0.028763492107661333 | 863714.9464100001 | 0.04202837853030316 | 900015.4851200001 | 0.18424167532838714 | 1065835.84592 | 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 | 0.18070473959993483 | 266078.43844 | -0.05766565532313863 | 250734.85092 | 0.3470057341081813 | 337741.28193 | 216387.86788000003 | 0.09468056273543786 | 236875.59298000002 | 0.015957242206541336 | 240655.47418999998 | -0.03727361744083169 | 231685.37410999998 1064921.7050700001 | 0.06091685376601062 | 1129793.38485 | 0.018549366168206356 | 1150750.33604 | 0.2197060334390481 | 1403577.12785 | 921934.82571 | -0.01785490954561018 | 905473.7627900001 | 0.10141348178555303 | 997301.0097399999 | 0.0386689276992249 | 1035865.5703799999 Dépenses d'intérêt | 192016.9898 | 0.042086521502171806 | 200098.31697 | 0.12147368572642293 | 224404.99703999996 | 0.0112723992930922 | 226934.57977 | 173158.96199 | -0.025859669569159336 | 168681.12845 | 0.08102258536912225 | 182348.10958 | 0.054347978121770224 | 192258.36065 872904.7152700002 | 0.06505905125330189 | 929695.06788 | -0.0036030403900478864 | 926345.339 | 0.27019859499719473 | 1176642.54808 | 748775.86372 | -0.01600376021799892 | 736792.6343400001 | 0.1060817687055379 | 814952.90016 | 0.03516069402829824 | 843607.20973 AUTRES REVENUS Commissions | 395638.6395900001 | 0.2042962825717967 | 476466.1429 | 0.046389354520493094 | 498569.09972 | 0.3930190942640556 | 694516.27572 | 292514.98728 | 0.1813007315732367 | 345548.16847000003 | 0.11047814245125803 | 383723.68825 | 0.5697086612426513 | 602334.39697 Gains sur change | 433545.59673 | 0.3914185824511629 | 603243.3996300001 | 0.5520595219346981 | 936269.66244 | -0.08209964095138671 | 859402.25932 | 613450.23433 | 0.18651513155743615 | 727867.98549 | -0.3629900379148217 | 463659.15784 | -0.006411336710890168 | 460686.48286 Autres | 363119.4917 | 0.28928140474702024 | 468163.20835 | 0.7937668815533698 | 839775.6583 | -0.3282898878470625 | 564085.8016199999 | 358034.99727000005 | 0.5232474221751098 | 545375.88664 | 0.3651114086043925 | 744498.84483 | -0.026756569776207936 | 724578.6095399999 1192303.7280200003 | 0.2982201720114352 | 1547872.7508800002 | 0.46950995756390873 | 2274614.4204599997 | -0.06885126656689713 | 2118004.33666 | 1264000.21888 | 0.28068968376791287 | 1618792.0406 | -0.016623722507324506 | 1591881.69092 | 0.12294745241833156 | 1787599.4893699999 0 PRODUIT NET BANCAIRE | 2065208.4432900003 | 0.19966961534066108 | 2477567.81876 | 0.29197664549180763 | 3200959.75946 | 0.029268448315578087 | 3294646.88474 | 2012776.0826 | 0.17031630855687524 | 2355584.6749400003 | 0.021756770913490854 | 2406834.5910799997 | 0.09322290316565521 | 2631206.6991 0 Dotation à la provision pour créances douteuses | 11980.207999999999 | -12.629780491290301 | -139327.18928 | 0.5035188123189274 | -69173.32841 | 1.1459297693493768 | 10094.44786 | 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 | 0.27452709010227844 | 2616895.00804 | 0.24962334286359522 | 3270133.08787 | 0.004409407391853902 | 3284552.43688 | 1973018.9226000002 | 0.21674476381932706 | 2400660.4429900004 | -0.016116303337681874 | 2361970.67108 | 0.13204784540249534 | 2673863.8090999997 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 682016.49696 | 0.08752233471780804 | 741708.17309 | -0.1251156431152602 | 648908.87801 | 0.3712955966620125 | 889845.88705 | 518346.05737000005 | 0.07965648798313717 | 559635.68386 | -0.006516540769606031 | 555988.79511 | 0.029521189517412293 | 572402.2457 Frais de locaux | 79189.24203 | -0.10114272008015572 | 71179.82669 | 0.029736179735561974 | 73296.44281 | -0.13941244661065427 | 63078.006389999995 | 67076.21779 | -0.02178811221252079 | 65614.75362999999 | 0.8327350746161752 | 120254.46039 | -0.29058024506262553 | 85310.88982 Amortissement | 126388.11855000001 | -0.011286209228881796 | 124961.6758 | 0.09659189533692215 | 137031.96091 | -0.001402783837605833 | 136839.73469 | 123090.7911 | -0.10438112977567827 | 110242.43526 | 0.027919469964002037 | 113320.34562000001 | 0.03796816587930192 | 117622.91129999999 Autres dépenses d'exploitation | 518361.31687 | 0.10713168772955933 | 573894.2396 | 0.24059757973218035 | 711971.80467 | 0.0477108703704141 | 745940.5991500001 | 459092.61318999995 | 0.009880820121413442 | 463628.82472 | 0.014131223708872669 | 470180.46736 | 0.18814565057690405 | 558642.87728 1405955.17441 | 0.07524332403726428 | 1511743.91518 | 0.03933547912638333 | 1571209.0864 | 0.1683386018890836 | 1835704.2272800002 | 1167605.6794500002 | 0.026992004727867724 | 1199121.6974699998 | 0.05055564513418939 | 1259744.06848 | 0.05892852165564979 | 1333978.9241 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647273.0608800002 | 0.7073954713293518 | 1105151.0928600002 | 0.5372775835323891 | 1698924.00147 | -0.14719657362755564 | 1448848.2095999997 | 805413.24315 | 0.49182889124189166 | 1201538.7455200006 | -0.08265413270299538 | 1102226.6025999999 | 0.21561653641764492 | 1339884.8849999998 Impôts sur le revenu | 41677.85208 | 1.703830169647265 | 112689.83386000001 | 1.2210774782129048 | 250292.85201000003 | -0.9036676067799303 | 24111.30944000004 | 121146.99755 | 0.457289609403118 | 176546.26074 | -0.4827037153480298 | 91326.72475 | -1.161666123037003 | -14764.437519999992 BÉNÉFICE NET (PERTE NETTE) | 605595.2088000003 | 0.6388195358523117 | 992461.2590000002 | 0.4596349593732602 | 1448631.14946 | -0.016494363875101826 | 1424736.9001599997 | 684266.2456 | 0.49794395291445964 | 1024992.4847800005 | -0.013748985616246228 | 1010899.8778499998 | 0.3400430173174938 | 1354649.3225199997 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 | 2021 | 2022 (oct.21 -sept. 22) | 2021 (oct.20 -sept. 21) | 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 | 863714.9464100001 | 0.2979777818865309 | 665431.22576 | 900015.4851200001 | 0.19245810992836176 | 754756.4796 | 1065835.84592 | 0.32536942698120147 | 804180.19627 | 3669132.37115 | 0.2527335499592418 | 2928900.85946 | 2928900.85946 Intérêts sur Bons B.R.H. | 0 | 0 | 1014 | 0 | 0 | 3166.94405 | 0 | 0 | 1889.05595 | 0 | 0 | 0 | 0 | 0 | 6070 | 6070 Autres | 225355.61137000003 | 0.04144291257111116 | 216387.86788000003 | 266078.43844 | 0.1232834716849264 | 236875.59298000002 | 250734.85092 | 0.04188301456231262 | 240655.47418999998 | 337741.28193 | 0.457758320858211 | 231685.37410999998 | 1079910.18266 | 0.16670824884127314 | 925604.30916 | 925604.30916 1064921.7050700001 | 0.15509434655522764 | 921934.82571 | 1129793.38485 | 0.24773729651626006 | 905473.7627900001 | 1150750.33604 | 0.15386460537125585 | 997301.0097399999 | 1403577.12785 | 0.3549799973901128 | 1035865.5703799999 | 4749042.55381 | 0.2301386053590538 | 3860575.1686199997 | 3860575.1686199997 Dépenses d'intérêt | 192016.9898 | 0.10890587234571814 | 173158.96199 | 200098.31697 | 0.18625194654962618 | 168681.12845 | 224404.99703999996 | 0.23064065515605864 | 182348.10958 | 226934.57977 | 0.1803626068731905 | 192258.36065 | 843454.8835799999 | 0.17727536132105284 | 716446.56067 | 716446.56067 872904.7152700002 | 0.16577571148369352 | 748775.86372 | 929695.06788 | 0.26181373774562355 | 736792.6343400001 | 926345.339 | 0.13668573830233668 | 814952.90016 | 1176642.54808 | 0.39477535813923337 | 843607.20973 | 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996 | 3144128.6079499996 AUTRES REVENUS Commissions | 395638.6395900001 | 0.35254143136019384 | 292514.98728 | 476466.1429 | 0.3788704046954485 | 345548.16847000003 | 498569.09972 | 0.29929195143974796 | 383723.68825 | 694516.27572 | 0.1530410337077118 | 602334.39697 | 2065190.1579300002 | 0.2715738861321544 | 1624121.2409700002 | 1624121.2409700002 Gains sur change | 433545.59673 | -0.293266882188885 | 613450.23433 | 603243.3996300001 | -0.1712186664950001 | 727867.98549 | 936269.66244 | 1.0193058771915575 | 463659.15784 | 859402.25932 | 0.8654818217906503 | 460686.48286 | 2832460.91812 | 0.2501682034465221 | 2265663.86052 | 2265663.86052 Autres | 363119.4917 | 0.014201110139424895 | 358034.99727000005 | 468163.20835 | -0.1415769933755208 | 545375.88664 | 839775.6583 | 0.1279744275382398 | 744498.84483 | 564085.8016199999 | -0.2214981311991657 | 724578.6095399999 | 2235144.15997 | -0.057890349172199214 | 2372488.33828 | 2372488.33828 1192303.7280200003 | -0.05672189750372694 | 1264000.21888 | 1547872.7508800002 | -0.04381000643771004 | 1618792.0406 | 2274614.4204599997 | 0.428884089461087 | 1591881.69092 | 2118004.33666 | 0.1848315851815577 | 1787599.4893699999 | 7132795.236020001 | 0.13901050546939595 | 6262273.43977 | 6262273.43977 PRODUIT NET BANCAIRE | 2065208.4432900003 | 0.02604977331719424 | 2012776.0826 | 2477567.81876 | 0.05178465674264371 | 2355584.6749400003 | 3200959.75946 | 0.3299458846582634 | 2406834.5910799997 | 3294646.88474 | 0.2521429372564797 | 2631206.6991 | 11038382.90625 | 0.1734968216594115 | 9406402.04772 | 9406402.04772 Dotation à la provision pour créances douteuses | 11980.207999999999 | -0.6986653976290057 | 39757.16 | -139327.18928 | -2.0909554136815203 | -45075.76805 | -69173.32841 | -2.5418476229896987 | 44863.92 | 10094.44786 | 1.2366416257453916 | -42657.11 | -186425.86183 | -58.90937034940303 | -3111.7980499999976 | -3111.7980499999976 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2053228.2352900002 | 0.04065308840743505 | 1973018.9226000002 | 2616895.00804 | 0.09007294875100358 | 2400660.4429900004 | 3270133.08787 | 0.3844935197162068 | 2361970.67108 | 3284552.43688 | 0.22839182223927587 | 2673863.8090999997 | 11224808.76808 | 0.19292122335587583 | 9409513.84577 | 9409513.84577 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 682016.49696 | 0.31575515480996613 | 518346.05737000005 | 741708.17309 | 0.32534110043552517 | 559635.68386 | 648908.87801 | 0.16712581929212478 | 555988.79511 | 889845.88705 | 0.5545814044838225 | 572402.2457 | 2962479.43511 | 0.34269215937793973 | 2206372.78204 | 2206372.78204 Frais de locaux | 79189.24203 | 0.1805859757615293 | 67076.21779 | 71179.82669 | 0.08481435579841269 | 65614.75362999999 | 73296.44281 | -0.390488780438658 | 120254.46039 | 63078.006389999995 | -0.2606101457493859 | 85310.88982 | 286743.51791999995 | -0.15228925644838956 | 338256.32162999996 | 338256.32162999996 Amortissement | 126388.11855000001 | 0.026787767147594614 | 123090.7911 | 124961.6758 | 0.13351701189551535 | 110242.43526 | 137031.96091 | 0.20924411375793672 | 113320.34562000001 | 136839.73469 | 0.1633765324936318 | 117622.91129999999 | 525221.4899500001 | 0.1312687781199653 | 464276.48328 | 464276.48328 Autres dépenses d'exploitation | 518361.31687 | 0.12909966742477538 | 459092.61318999995 | 573894.2396 | 0.23783123266029188 | 463628.82472 | 711971.80467 | 0.5142521948383474 | 470180.46736 | 745940.5991500001 | 0.3352727287635742 | 558642.87728 | 2550167.96029 | 0.30674324416875764 | 1951544.7825500001 | 1951544.7825500001 1405955.17441 | 0.2041352651455705 | 1167605.6794500002 | 1511743.91518 | 0.26070933281383774 | 1199121.6974699998 | 1571209.0864 | 0.24724467906867142 | 1259744.06848 | 1835704.2272800002 | 0.3761118666237557 | 1333978.9241 | 6324612.40327 | 0.2750076973167062 | 4960450.3695 | 4960450.3695 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 647273.0608800002 | -0.19634663772290092 | 805413.24315 | 1105151.0928600002 | -0.08022017851641217 | 1201538.7455200006 | 1698924.00147 | 0.5413563757783324 | 1102226.6025999999 | 1448848.2095999997 | 0.08132290006391105 | 1339884.8849999998 | 4900196.36481 | 0.1013995172121529 | 4449063.4762699995 | 4449063.4762699995 Impôts sur le revenu | 41677.85208 | -0.6559728848187208 | 121146.99755 | 112689.83386000001 | -0.36169798562905536 | 176546.26074 | 250292.85201000003 | 1.7406309893972196 | 91326.72475 | 24111.30944000004 | 2.6330665768566344 | -14764.437519999992 | 428771.84739000007 | 0.14566598283601573 | 374255.54552000004 | 374255.54552000004 BÉNÉFICE NET (PERTE NETTE) | 605595.2088000003 | -0.11497138329688751 | 684266.2456 | 992461.2590000002 | -0.03173801394942195 | 1024992.4847800005 | 1448631.14946 | 0.43301149916149456 | 1010899.8778499998 | 1424736.9001599997 | 0.05173853961674666 | 1354649.3225199997 | 4471424.51742 | 0.09733381141157266 | 4074807.9307499994 | 4074807.9307499994 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2022 | Var. | 2021 | 2021 | Var. | 2020 | Var. | 2019 | Var. | 2018 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 3669132.37115 | 0.2527335499592418 | 2928900.85946 | 2928900.85946 | -0.20732038161970853 | 3694936.50593 | -0.054622728214936474 | 3908425.36224 | 0.29441753975659435 | 3019447.15843 Intérêts sur Bons B.R.H. | 0 | -1 | 6070 | 6070 | -0.9394486533199493 | 100245.49961 | 6.5851204975225865 | 13216.07213 | -0.869176271317123 | 101021.98021000001 Autres | 1079910.18266 | 0.16670824884127314 | 925604.30916 | 925604.30916 | 0.6296654916553878 | 567971.9635099999 | 0.18766164403300722 | 478227.08291000006 | 0.1942295273804352 | 400448.21531 4749042.55381 | 0.2301386053590538 | 3860575.1686199997 | 3860575.1686199997 | -0.11518704221648808 | 4363153.9690499995 | -0.008344464859758517 | 4399868.51728 | 0.2496369766657358 | 3520917.35395 Dépenses d'intérêt | 843454.8835799999 | 0.17727536132105284 | 716446.56067 | 716446.56067 | -0.3360523112683188 | 1079070.79553 | 0.072527047144617 | 1006101.24323 | 0.24527501139305916 | 807934.9814500002 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996 | 3144128.6079499996 | -0.04261602346081622 | 3284083.1735199997 | -0.03231927579969481 | 3393767.27405 | 0.25093598412239615 | 2712982.3724999996 AUTRES REVENUS Commissions | 2065190.1579300002 | 0.2715738861321544 | 1624121.2409700002 | 1624121.2409700002 | -0.01178813061304961 | 1643494.97439 | 0.09241462788352228 | 1504460.79029 | 0.08422526640644101 | 1387590.60216 Gains sur change | 2832460.91812 | 0.2501682034465221 | 2265663.86052 | 2265663.86052 | 1.4635173877282956 | 919686.57165 | 0.5788521154847199 | 582503.30264 | -0.28007427424160614 | 809115.83209 Autres | 2235144.15997 | -0.057890349172199214 | 2372488.33828 | 2372488.33828 | 3.4863246301128887 | 528826.7198399999 | -0.7761202854372703 | 2362101.99246 | 2.733194325313412 | 632729.45007 7132795.236020001 | 0.13901050546939595 | 6262273.43977 | 6262273.43977 | 1.0253094109978802 | 3092008.2658800003 | -0.3050208276218584 | 4449066.08539 | 0.5724215947233757 | 2829435.88432 PRODUIT NET BANCAIRE | 11038382.90625 | 0.1734968216594115 | 9406402.04772 | 9406402.04772 | 0.4752614728193353 | 6376091.4394000005 | -0.1870168410851877 | 7842833.35944 | 0.41505620760203665 | 5542418.25682 Dotation à la provision pour créances douteuses | -186425.86183 | -58.90937034940303 | -3111.7980499999976 | -3111.7980499999976 | -1.024334766884677 | 127874.57815999999 | -0.4383319712994268 | 227669.32 | 4.293158188412536 | 43012 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 11224808.76808 | 0.19292122335587583 | 9409513.84577 | 9409513.84577 | 0.5059518667062748 | 6248216.86124 | -0.17950331353604315 | 7615164.0394399995 | 0.3847247655137638 | 5499406.25682 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2962479.43511 | 0.34269215937793973 | 2206372.78204 | 2206372.78204 | 0.017047780108070364 | 2169389.5067600003 | 0.0874527667517931 | 1994927.57119 | 0.2844284659266689 | 1553163.62422 Frais de locaux | 286743.51791999995 | -0.15228925644838956 | 338256.32162999996 | 338256.32162999996 | 0.11782574549255928 | 302602.01377 | 0.2912247558076615 | 234352.7046 | 0.22292876240578735 | 191632.34344 Amortissement | 525221.4899500001 | 0.1312687781199653 | 464276.48328 | 464276.48328 | 0.07762622415108102 | 430832.57708 | 0.20321381175805792 | 358068.1778 | -0.00365478314606498 | 359381.63976000005 Autres dépenses d'exploitation | 2550167.96029 | 0.30674324416875764 | 1951544.7825500001 | 1951544.7825500001 | -0.2996915775522413 | 2786693.29112 | 0.41405556616628486 | 1970709.89132 | 0.2451789510716503 | 1582672.02447 6324612.40327 | 0.2750076973167062 | 4960450.3695 | 4960450.3695 | -0.12814215502252663 | 5689517.388730001 | 0.2482326811554542 | 4558058.3449099995 | 0.23630166673583294 | 3686849.6318900003 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 4900196.36481 | 0.1013995172121529 | 4449063.4762699995 | 4449063.4762699995 | 6.963249824243156 | 558699.4725099998 | -0.8172456145334895 | 3057105.69453 | 0.6866263114114103 | 1812556.6249299995 Impôts sur le revenu | 428771.84739000007 | 0.14566598283601573 | 374255.54552000004 | 374255.54552000004 | 8.833428376545871 | -47776.72399999999 | -1.2048935582485818 | 233178.26294 | 2.728228115329484 | -134923.313 BÉNÉFICE NET (PERTE NETTE) | 4471424.51742 | 0.09733381141157266 | 4074807.9307499994 | 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 4 2022 | Trim 3 2022 Juillet | Nombre de jours de dépassement | Aout1 | Nombre de jours de dépassement | Septembre | Nombre de jours de dépassement | Avril | Nombre de jours de dépassement | Mai1 | Nombre de jours de dépassement | Juin | Nombre de jours de dépassement BNC | 0.004829749526365199 | 0 | 0.004663190156355909 | 0 | 0.001865660322587315 | 0 | BNC | 0.0032 | 0 | 0.0035 | 0 | 0.0023 | 0 BPH | 0 | 0 | 0 | 0 | 0 | 0 | BPH | 0 | 0 | 0 | 0 | 0 | 0 BUH | 0.0018779911430622607 | 0 | 0.00139984784022114 | 1 | 0.00048173936455899423 | 0 | BUH | 0.0015 | 0 | 0.0052 | 1 | 0.0284 | 1 CAPITALBK | 0.0019059168076808223 | 0 | 0.0021644191182619366 | 2 | 0.0009702398210242237 | 0 | CAPITALBK | 0.0009 | 0 | 0.0015 | 0 | 0.0012 | 0 CBNA | 1.3669491020671979e-05 | 0 | 6.691568402847967e-05 | 0 | 0.001230597466478 | 0 | CBNA | 0.0002 | 1 | 0 | 1 | 0.0001 | 0 SCOTIA | 0 | SCOTIA | 0 SOGEBK | 0.002738309315117361 | 0 | 0.0011049062603641026 | 1 | 0.002346362245412419 | 0 | SOGEBK | 0.0008 | 0 | 0.0009 | 0 | 0.0033 | 0 SOGEBL | 0.003683336752379976 | 0 | 0.0009749174143459036 | 0 | 0.003966151159783696 | 1 | SOGEBL | 0.0039 | 1 | 0.0046 | 0 | 0.0044 | 0 UNIBK | 0.0029061073289586795 | 0 | 0.0032257166755080688 | 1 | 0.002965885953480502 | 0 | UNIBK | 0.0017 | 0 | 0.0026 | 0 | 0.0031 | 0 1 Position de chaque banque le dernier jour du mois [Apparentés sept. 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 30 SEPTEMBRE 2022 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 | 197442435 | 2 | 990167640 | 3 | 6130012730 | 58 | 7317622805 | 0.026981772668726672 | 0.13531274655526604 | 0.8377054807760073 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 13 | 323959255.58219 | 4 | 903158637.4530449 | 0 | 0 | 17 | 1227117893.035235 | 0.26400010742316504 | 0.735999892576835 | 0 | 1 CAPITALBK | 2 | 1104262090 | 1 | 782642060 | 0 | 0 | 3 | 1886904150 | 0.5852242627162594 | 0.4147757372837407 | 0 | 1 SOGEBK | 22 | 2212019983.4583898 | 1 | 592274282.4890001 | 0 | 0 | 23 | 2804294265.9473896 | 0.7887973848960859 | 0.2112026151039142 | 0 | 1 SOGEBL | 6 | 55303345.290635 | 0 | 0 | 0 | 0 | 6 | 55303345.290635 | 1 | 0 | - | 1 UNIBK | 11 | 1885333130 | 0 | 0 | 0 | 0 | 11 | 1885333130 | 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 | 7317622805 | 7230069860 | 1.0121095572650525 BPH | 0 | -307255890 | 0 BUH | 1227117893.035235 | 3252400230 | 0.3772960909657896 CAPITALBK | 1886904150 | 6730619000 | 0.28034630247232833 SOGEBK | 2804294265.9473896 | 9153894000 | 0.30634987317390716 SOGEBL | 55303345.290635 | 851299590 | 0.06496343465951275 UNIBK | 1885333130 | 15921951389.939333 | 0.1184109336743292 CBNA | 0 | 463727000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés juin 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 30 JUIN 2022 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 | 197442435 | 2 | 990167640 | 3 | 6130012730 | 58 | 7317622805 | 0.026981772668726672 | 0.13531274655526604 | 0.8377054807760073 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 13 | 323959255.58219 | 4 | 903158637.4530449 | 0 | 0 | 17 | 1227117893.035235 | 0.26400010742316504 | 0.735999892576835 | 0 | 1 CAPITALBK | 2 | 1104262090 | 1 | 782642060 | 0 | 0 | 3 | 1886904150 | 0.5852242627162594 | 0.4147757372837407 | 0 | 1 SOGEBK | 22 | 2212019983.4583898 | 1 | 592274282.4890001 | 0 | 0 | 23 | 2804294265.9473896 | 0.7887973848960859 | 0.2112026151039142 | 0 | 1 SOGEBL | 6 | 55303345.290635 | 0 | 0 | 0 | 0 | 6 | 55303345.290635 | 1 | 0 | - | 1 UNIBK | 11 | 1885333130 | 0 | 0 | 0 | 0 | 11 | 1885333130 | 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 | 7317622805 | 7230069860 | 1.0121095572650525 BPH | 0 | -307255890 | 0 BUH | 1227117893.035235 | 3252400230 | 0.3772960909657896 CAPITALBK | 1886904150 | 6730619000 | 0.28034630247232833 SOGEBK | 2804294265.9473896 | 9153894000 | 0.30634987317390716 SOGEBL | 55303345.290635 | 851299590 | 0.06496343465951275 UNIBK | 1885333130 | 15921951389.939333 | 0.1184109336743292 CBNA | 0 | 463727000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 22] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2022 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 | 225912367.5 | 0 | 0 | 1 | 1297683590 | 53 | 1523595957.5 | 0.14827577244999351 | 0 | 0.8517242275500064 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 142074725.56608003 | 4 | 946393893.2916601 | 0 | 0 | 12 | 1088468618.8577402 | 0.130527167347439 | 0.8694728326525609 | 0 | 0.9999999999999999 CAPITALBK | 3 | 1353929200 | 1 | 714912400.0000002 | 0 | 0 | 4 | 2068841600.0000002 | 0.6544383098251697 | 0.3455616901748303 | 0 | 1 SOGEBK | 23 | 2048353990.67792 | 1 | 579357973.69048 | 0 | 0 | 24 | 2627711964.3684 | 0.7795199848588674 | 0.22048001514113255 | 0 | 1 SOGEBL | 6 | 79389851.08 | 0 | 0 | 0 | 0 | 6 | 79389851.08 | 1 | 0 | - | 1 UNIBK | 11 | 1697627700 | 0 | 0 | 0 | 0 | 11 | 1697627700 | 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 | 1523595957.5 | 7105418670 | 0.21442733050099072 BPH | 0 | -294566 | 0 BUH | 1088468618.8577402 | 3202927520 | 0.3398355448448425 CAPITALBK | 2068841600.0000002 | 5923098000 | 0.3492837025489027 SOGEBK | 2627711964.3684 | 9124493000 | 0.2879844353399581 SOGEBL | 79389851.08 | 947015629.41297 | 0.08383161651641555 UNIBK | 1697627700 | 15784369038.88 | 0.10755119167693113 CBNA | 0 | 463727000 | 0 SCOTIABK | 0 | 0 | 0 [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 AU 30 JUIN 21 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 AU 30 JUIN 21 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 AU 31 MARS 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 | 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 sept. 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2022 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 | 1635872995 | 4 | 3422922235 | 1 | 1696853770 | 9 | 6755649000 | 0.24214890308836354 | 0.5066755592245837 | 0.2511755376870527 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 2 | 446685551.34889996 | 8 | 3683103747.434232 | 1 | 1618236861.0972395 | 11 | 5748026159.880371 | 0.07771112011748334 | 0.6407597399506069 | 0.28152913993190987 | 1 CAPITALBK | 2 | 1104262090 | 1 | 782642060 | 0 | 0 | 3 | 1886904150 | 0.5852242627162594 | 0.4147757372837407 | 0 | 1 SOGEBK | 5 | 2850836968.1466074 | 8 | 11792945980.338305 | 0 | 0 | 13 | 14643782948.484913 | 0.19467899641612504 | 0.8053210035838749 | 0 | 1 SOGEBL | 3 | 141582499.6781975 | 0 | 0 | 0 | 0 | 3 | 141582499.6781975 | 1 | 0 | 0 | 1 UNIBK | 7 | 7994418510 | 6 | 12642547540 | 0 | 0 | 13 | 20636966050 | 0.3873834211206642 | 0.6126165788793358 | 0 | 1 CBNA | 0 | 0 | 2 | 127110646.49 | 1 | 92745467.50000001 | 3 | 219856113.99 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés juin 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2022 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 | 1635872995 | 4 | 3422922235 | 1 | 1696853770 | 9 | 6755649000 | 0.24214890308836354 | 0.5066755592245837 | 0.2511755376870527 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 2 | 446685551.34889996 | 8 | 3683103747.434232 | 1 | 1618236861.0972395 | 11 | 5748026159.880371 | 0.07771112011748334 | 0.6407597399506069 | 0.28152913993190987 | 1 CAPITALBK | 2 | 1104262090 | 1 | 782642060 | 0 | 0 | 3 | 1886904150 | 0.5852242627162594 | 0.4147757372837407 | 0 | 1 SOGEBK | 5 | 2850836968.1466074 | 8 | 11792945980.338305 | 0 | 0 | 13 | 14643782948.484913 | 0.19467899641612504 | 0.8053210035838749 | 0 | 1 SOGEBL | 3 | 141582499.6781975 | 0 | 0 | 0 | 0 | 3 | 141582499.6781975 | 1 | 0 | 0 | 1 UNIBK | 7 | 7994418510 | 6 | 12642547540 | 0 | 0 | 13 | 20636966050 | 0.3873834211206642 | 0.6126165788793358 | 0 | 1 CBNA | 0 | 0 | 2 | 127110646.49 | 1 | 92745467.50000001 | 3 | 219856113.99 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 22] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2022 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 | 2075657895 | 3 | 3006594880 | 1 | 1532976010 | 9 | 6615228785 | 0.3137696310226707 | 0.4544959785544288 | 0.23173439042290053 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 2 | 553233823.4519601 | 6 | 2764593246.35172 | 2 | 2177113101.8637996 | 10 | 5494940171.6674795 | 0.10068059090151608 | 0.5031161686902924 | 0.39620324040819155 | 1 CAPITALBK | 3 | 1353929200 | 1 | 714912400.0000002 | 0 | 0 | 4 | 2068841600.0000002 | 0.6544383098251697 | 0.3455616901748303 | 0 | 1 SOGEBK | 5 | 2849746903.8690395 | 8 | 11145572201.858389 | 0 | 0 | 13 | 13995319105.727428 | 0.20362143101851907 | 0.796378568981481 | 0 | 1 SOGEBL | 1 | 48617766.94032 | 0 | 0 | 0 | 0 | 1 | 48617766.94032 | 1 | 0 | 0 | 1 UNIBK | 8 | 8993765350 | 5 | 10175114560 | 0 | 0 | 13 | 19168879910 | 0.4691857527527283 | 0.5308142472472718 | 0 | 1 CBNA | 0 | 0 | 2 | 119471309.5642116 | 1 | 92745467.50000001 | 3 | 212216777.0642116 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [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 | 0.37395612578953324 | 0.37395612578953324 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 320369000 | 6 | 3669300000 | 3 | 3362537000 | 10 | 7352206000 | 0.04357454075688304 | 0.4990746994847533 | 0.4573507597583637 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 577973000 | 7 | 1285049000 | 3 | 1272468000 | 16 | 3135490000 | 0.18433259235398614 | 0.40983992932524105 | 0.4058274783207728 | 1 CAPITALBK | 4 | 572627300 | 5 | 1582548240 | 0 | 0 | 9 | 2155175540 | 0.2656986817881202 | 0.7343013182118798 | 0 | 1 SOGEBK | 10 | 3558718351 | 3 | 2105115830 | 1 | 1074335019 | 14 | 6738169200 | 0.5281432159643602 | 0.3124165878767188 | 0.15944019615892102 | 1 SOGEBL | 7 | 271337489 | 0 | 0 | 0 | 0 | 7 | 271337489 | 1 | 0 | 0 | 1 UNIBK | 4 | 4593110000 | 1 | 1685502000 | 0 | 0 | 5 | 6278612000 | 0.7315486289007825 | 0.26845137109921746 | 0 | 1 CBNA | 1 | 40623000 | 4 | 408402000 | 0 | 0 | 5 | 449025000 | 0.09046935025889427 | 0.9095306497411058 | 0 | 1 [Non apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 454025000 | 5 | 2837413500 | 3 | 3371018000 | 10 | 6662456500 | 0.0681467863992808 | 0.42588097948556963 | 0.5059722341151496 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 550073000 | 6 | 1009142000 | 3 | 1199664000 | 15 | 2758879000 | 0.19938279279373977 | 0.36577972430106576 | 0.4348374829051945 | 1 CAPITALBK | 5 | 711931850 | 3 | 839336020 | 0 | 0 | 8 | 1551267870 | 0.4589354706353842 | 0.5410645293646158 | 0 | 1 SOGEBK | 12 | 4216569227.7999997 | 3 | 2232194985.83 | 1 | 1047560480.67 | 16 | 7496324694.299999 | 0.5624848708869513 | 0.2977719184879092 | 0.13974321062513959 | 1 SOGEBL | 8 | 303211655.82000005 | 0 | 0 | 0 | 0 | 8 | 303211655.82000005 | 1 | 0 | 0 | 1 UNIBK | 6 | 6325622000 | 1 | 1685502000 | 0 | 0 | 7 | 8011124000 | 0.7896048045193159 | 0.2103951954806841 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 3 | 337032000 | 3 | 337032000 | 0 | 0 | 1 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 478322500 | 5 | 2793614000 | 3 | 3683647000 | 10 | 6955583500 | 0.0687681342622082 | 0.40163618192492406 | 0.5295956838128677 | 1 BPH | 34 | 5340000 | 31 | 9793000 | 206 | 918277000 | 271 | 933410000 | 0.005720958635540652 | 0.010491638186863222 | 0.9837874031775962 | 1 BUH | 7 | 602774000 | 6 | 1221958000 | 2 | 840903000 | 15 | 2665635000 | 0.2261277331667689 | 0.45841159798697123 | 0.3154606688462599 | 1 CAPITALBK | 6 | 955477130 | 5 | 1335216710 | 0 | 0 | 11 | 2290693840 | 0.4171125417615826 | 0.5828874582384174 | 0 | 1 SOGEBK | 14 | 4614566512 | 2 | 1567495336 | 2 | 2020358013 | 18 | 8202419861 | 0.5625859917194502 | 0.1911015727752442 | 0.24631243550530557 | 1 SOGEBL | 6 | 225565628 | 2 | 138380347 | 0 | 0 | 8 | 363945975 | 0.6197777788310477 | 0.3802222211689523 | 0 | 1 UNIBK | 7 | 3873522000 | 3 | 4370137000 | 0 | 0 | 10 | 8243659000 | 0.46987897000591605 | 0.530121029994084 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 466480000 | 3 | 1568528000 | 3 | 3785905000 | 8 | 5820913000 | 0.08013863117349461 | 0.26946425758295994 | 0.6503971112435455 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 393381000 | 2 | 351447000 | 3 | 983322000 | 9 | 1728150000 | 0.22763128200677024 | 0.20336602725457859 | 0.5690026907386512 | 1 CAPITALBK | 6 | 904143070 | 5 | 1254438780 | 0 | 0 | 11 | 2158581850 | 0.4188597573911779 | 0.5811402426088221 | 0 | 1 SOGEBK | 11 | 3771563052.0900006 | 6 | 4529791118.53 | 0 | 0 | 17 | 8301354170.620001 | 0.4543310614837091 | 0.5456689385162908 | 0 | 1 SOGEBL | 7 | 284435888.55 | 1 | 85798355.44 | 0 | 0 | 8 | 370234243.99 | 0.7682592660382939 | 0.23174073396170616 | 0 | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 Septembre 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 226398500 | 1 | 708806000 | 2 | 2619224000 | 4 | 3554428500 | 0.06369476837134296 | 0.19941489890709577 | 0.7368903327215612 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 484377000 | 1 | 200731000 | 3 | 826881000 | 10 | 1511989000 | 0.32035748937326924 | 0.13275956372698478 | 0.5468829468997459 | 1 CAPITALBK | 2 | 302040090 | 5 | 1278507530 | 0 | 0 | 7 | 1580547620 | 0.19109838019306244 | 0.8089016198069375 | 0 | 1 SOGEBK | 10 | 3327371131.96 | 7 | 4583884954.53 | 0 | 0 | 17 | 7911256086.49 | 0.4205869580738424 | 0.5794130419261576 | 0 | 1 SOGEBL | 5 | 176908283.2 | 3 | 219364522.76 | 0 | 0 | 8 | 396272805.96 | 0.44643054113043834 | 0.5535694588695617 | 0 | 1 UNIBK | 6 | 3120313000 | 5 | 5385967000 | 0 | 0 | 11 | 8506280000 | 0.36682462839219965 | 0.6331753716078004 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 97224000 | 1 | 88661000 | 1 | 127206000 | 5 | 313091000 | 0.31052952655937094 | 0.28317965064470074 | 0.4062908227959283 | 1 [Non apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1230945500 | 1 | 702823000 | 2 | 2587443000 | 8 | 4521211500 | 0.27226010108131415 | 0.15545014870461157 | 0.5722897502140742 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 322994000 | 4 | 434584000 | 2 | 491450000 | 12 | 1249028000 | 0.2585962844708045 | 0.34793775639937613 | 0.39346595912981935 | 1 CAPITALBK | 5 | 682519230 | 3 | 670231790 | 0 | 0 | 8 | 1352751020 | 0.5045416487654912 | 0.49545835123450876 | 0 | 1 SOGEBK | 10 | 3343415364 | 5 | 3642683848 | 0 | 0 | 15 | 6986099212 | 0.47858114557792514 | 0.5214188544220749 | 0 | 1 SOGEBL | 7 | 245504616 | 2 | 151807320 | 0 | 0 | 9 | 397311936 | 0.6179140210879545 | 0.3820859789120456 | 0 | 1 UNIBK | 7 | 3440582000 | 4 | 4334581000 | 0 | 0 | 11 | 7775163000 | 0.4425093081649864 | 0.5574906918350137 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 108702000 | 1 | 89155000 | 0 | 0 | 4 | 197857000 | 0.5493967865680769 | 0.45060321343192306 | 0 | 1 [Non apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1039389500 | 1 | 353457000 | 1 | 777875000 | 7 | 2170721500 | 0.47882213356250447 | 0.16282927128146102 | 0.3583485951560345 | 1 BPH | 76 | 75085000 | 30 | 57800000 | 37 | 543349000 | 143 | 676234000 | 0.11103405034352014 | 0.0854733716435435 | 0.8034925780129364 | 1 BUH | 4 | 232268000 | 2 | 197998000 | 3 | 546034000 | 9 | 976300000 | 0.23790638123527605 | 0.2028044658404179 | 0.559289152924306 | 1 CAPITALBK | 4 | 338768270 | 5 | 985335970 | 0 | 0 | 9 | 1324104240 | 0.25584713028333783 | 0.7441528697166622 | 0 | 1 SOGEBK | 11 | 3483107611 | 4 | 2750016511 | 1 | 930603331 | 16 | 7163727453 | 0.4862144231270771 | 0.38388067232350637 | 0.12990490454941656 | 1 SOGEBL | 7 | 233005373 | 3 | 220375627 | 0 | 0 | 10 | 453381000 | 0.5139284023812202 | 0.48607159761877977 | 0 | 1 UNIBK | 8 | 2585024000 | 5 | 4931479000 | 0 | 0 | 13 | 7516503000 | 0.3439131202368974 | 0.6560868797631026 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 103023000 | 1 | 44550000 | 0 | 0 | 4 | 147573000 | 0.6981155089345612 | 0.3018844910654388 | 0 | 1 [Secteur d' activitésept. 22] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2022 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 | 123678.534959365 | 10406.40085506 | 10000 | 0 | 0 | 0 | 0 | 144084.935814425 200 | Industrie alimentaire | 2316524.36 | 755.6581600000001 | 964511.534122915 | 1822577.2443266704 | 5122371.940179999 | 917471 | 5012.76662 | 29000.000099999997 | 0 | 11178224.503509585 210 | Industrie des boissons | 765117.1 | 0 | 1490520.7878341351 | 2840947.1263840157 | 2582113.2070900006 | 110035 | 0 | 0 | 0 | 7788733.221308151 220 | Industrie du bois | 272.15 | 0 | 643.7551 | 0 | 0 | 10045 | 0 | 0 | 0 | 10960.9051 230 | Industrie chimique | 144.4 | 0 | 9367.90409 | 343491.977495055 | 114351.75343000001 | 75128 | 0 | 29000.000099999997 | 0 | 571484.0351150549 240 | Industrie du textile | 0 | 0 | 497850.887540235 | 1894960.1512439852 | 109860.10552 | 209456 | 0 | 0 | 0 | 2712127.1443042206 250 | Industrie pharmacie | 0 | 0 | 72072.79023 | 24999.99994 | 149007.27638 | 93309 | 0 | 0 | 0 | 339389.06655 260 | Imprimerie, édition | 64465.56 | 0 | 541.3238534650001 | 152104.98329189 | 142788.08028999998 | 56647 | 0 | 0 | 0 | 416546.947435355 270 | Sidérurgie, aciérie | 0 | 0 | 45608.872202750004 | 591996.123159555 | 0 | 613874 | 0 | 0 | 0 | 1251478.995362305 280 | Industrie de la fabrication | 1267.04 | 1374.87208 | 210687.39639683 | 2978831.1095886216 | 1171727.82893 | 69845 | 0 | 0 | 0 | 4433733.246995452 290 | Autres industries | 0 | 0 | 16792.453747080002 | 12289.479868935001 | 3363823.28124 | 167360 | 0 | 0 | 0 | 3560265.214856015 300 | Production et distribution de l'électricité | 1696853.76 | 0 | 11208.392380000001 | 132443.29777303 | 0 | 7012 | 0 | 0 | 0 | 1847517.45015303 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 158869.46036000003 | 81254 | 0 | 0 | 0 | 240123.46036000003 500 | Traitement et distribution de l'eau | 0 | 0 | 474411.8725155251 | 189024.10429075998 | 10978.32858 | 5284 | 0 | 0 | 0 | 679698.3053862851 600 | Entrep/ batiment et corps/ métiers corresp. | 787695.19 | 102941.07917 | 1072816.36121677 | 6338955.723570005 | 1456127.28192 | 572306 | 0 | 44488.72627 | 0 | 10375330.362146774 700 | Commerce de gros(1) | 2484769.01 | 343503.9883 | 4835778.577028035 | 10744713.173112402 | 12805313.76838 | 4667658 | 0 | 38666.6668 | 0 | 35920403.18362044 800 | Commerce de détail(2) | 844629.099839005 | 450726.76094999997 | 1293688.917585395 | 7274705.717091341 | 9532287.734170005 | 1424035 | 0 | 0 | 0 | 20820073.229635745 900 | Rest/débits/boissons, casinos/activités/loterie | 30415.03 | 0 | 1225.28006139 | 169.91044 | 7163.93113 | 7705 | 0 | 0 | 0 | 46679.15163139 1000 | Hotels,motels et pensions | 2204521.71 | 0 | 61549.904181980004 | 350556.739826155 | 1172259.551 | 131272 | 155850.25830619 | 0 | 0 | 4076010.163314325 1100 | Transport | 1017183.75 | 132174.76106 | 377582.96765133995 | 318594.43108773505 | 866702.36626 | 42652 | 0 | 0 | 0 | 2754890.2760590753 1200 | Immobilier résidentiel / Avance Hypothécaire | 2385872.99 | 212798.16577000002 | 1821417.8711438156 | 544358.1167670705 | 3211002.08529 | 1410094 | 3821887.695541501 | 0 | 0 | 13407430.924512386 1300 | Immobilier commercial | 2997262.26 | 48308.55951 | 1883385.873864815 | 6613704.123910519 | 1881599.36308 | 153232 | 1114917.8123927703 | 0 | 0 | 14692409.992758103 1400 | Télécommunications | 992957.55 | 0 | 6546.534714920001 | 33967.290054130004 | 49910.788199999995 | 27793 | 0 | 0 | 0 | 1111175.16296905 1500 | Services financiers | 253581.8 | 6296.42604 | 235991.549525195 | 1028315.4217399851 | 1762751.1748199998 | 2440701 | 0 | 0 | 0 | 5727637.37212518 1510 | Services professionnels | 565313.93 | 6881.17737 | 211068.016289115 | 197110.16386231504 | 234534.75176 | 720415 | 0 | 38133.19395 | 0 | 1973456.2332314302 1520 | Services médicaux | 8790.74 | 0 | 24589.621853255 | 2237.55647 | 27308.8769 | 40324 | 0 | 0 | 0 | 103250.795223255 1530 | Services d'agence ou de représentation | 0 | 775.39098 | 18107.882239060003 | 15831.022453674997 | 61188.13577 | 560 | 0 | 0 | 0 | 96462.431442735 1540 | Services d'enseignement | 432172.94 | 0 | 5899.79102826 | 55308.281787709995 | 78453.67278000001 | 1625 | 0 | 0 | 0 | 573459.68559597 1550 | Autres services | 3180476.07 | 12106.509269999999 | 618442.258346245 | 786318.1931080807 | 1796211.95981 | 236667 | 0 | 44488.72627 | 0 | 6674710.716804326 1560 | Crédit à la consommation | 3781417.83 | 27047.5888 | 755470.6479719443 | 3972103.01756411 | 1986958.99277 | 343333 | 53157.280887469984 | 0 | 0 | 10919488.357993523 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 | 26811704.269839004 | 1345690.93746 | 17141458.559673835 | 49271020.88106281 | 49865665.696040004 | 14637092 | 5150825.813747931 | 223777.31348999997 | 0 | 164447235.47131357 (1) Commerce de gros Import-export | 892188.27 | 39262.27523 | 876633.150597345 | 1450056.931250385 | 2793742.6629500003 | 275434 | 0 | 6327317.29002773 Produits pétroliers | 0 | 0 | 1163097.035571375 | 3739987.2857168205 | 584141.4878400001 | 2619688 | 0 | 8106913.809128195 Produits pharmaceutiques | 0 | 0 | 23389.81335196 | 158295.085038275 | 83264.23720999999 | 28020 | 0 | 292969.13560023496 Produits alimentaires | 300174.36 | 13590.12827 | 1296339.82713535 | 2532550.66558885 | 2895900.7011700002 | 1205242 | 0 | 8243797.682164201 Matériaux de construction | 134026.3 | 183996.38875 | 998246.984811775 | 212248.31085738004 | 4764417.23571 | 537529 | 0 | 6830464.220129155 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 3.5617760150000004 | 0 | 0 | 0 | 0 | 3.5617760150000004 Autres | 1158380.0799999998 | 106655.19605 | 478068.20378421503 | 2651574.894660695 | 1683847.4434999991 | 1745 | 0 | 0 | 6080270.817994909 S-Total | 2484769.01 | 343503.98829999997 | 4835778.577028035 | 10744713.173112405 | 12805313.76838 | 4667658 | 0 | 0 | 0 | 35881736.51682044 (2) Commerce de détail Produits pétroliers | 169695.16 | 4773.446599999999 | 84835.70311 | 144629.63805 | 170276.88470999998 | 72034 | 646244.83247 Produits pharmaceutiques | 0 | 0 | 2868.62576 | 198.72929000000002 | 5958.10948 | 3864 | 0 | 12889.464530000001 Véhicules automobiles | 26165.79 | 0 | 50906.57321055 | 1318672.13273302 | 3079573.56888 | 611541 | 0 | 5086859.06482357 Produits alimentaires | 110435.17 | 0 | 695524.8375118399 | 619257.1314157802 | 1865313.5693299994 | 143732 | 0 | 3434262.7082576193 Librairie ,papeterie | 228.46 | 0 | 0 | 33192.493649590004 | 156066.39927000002 | 0 | 0 | 189487.35291959002 Appareils électro- ménagers électroni.équip. inform. | 2390.39 | 0 | 55835.00815596001 | 286959.332168355 | 1743544.7843 | 456716 | 0 | 2545445.514624315 Matériaux de construction | 64484.399999999994 | 0 | 27269.972094324996 | 93085.18054041 | 1144914.36626 | 19 | 0 | 1329772.9188947352 Autres | 479918.29806 | 445953.31435 | 376448.19774271996 | 4778711.079244199 | 1366640.05194 | 136128 | 0 | 0 | 7583798.941336919 S-Total | 853317.66806 | 450726.76095 | 1293688.9175853948 | 7274705.717091354 | 9532287.73417 | 1424034 | 0 | 0 | 0 | 20828760.797856748 [Secteur d'activitéssept. 22% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2022 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 | 0.007215169848517158 | 0.00021120733179408652 | 0.000200538784761358 | 0 | 0 | 0 | 0.0008761773063649914 200 | Industrie alimentaire | 0.08639974306317791 | 0.0005615391610099638 | 0.05626776337411439 | 0.03699085612060401 | 0.10272342439793766 | 0.06268123476985729 | 0.0009731966875332027 | 0.1295931193726478 | 0.06797453585323136 210 | Industrie des boissons | 0.02853668279717283 | 0 | 0.08695414002520545 | 0.057659595347981235 | 0.05178138446660815 | 0.007517545151728226 | 0 | 0 | 0.04736311436908789 220 | Industrie du bois | 1.015041778997043e-05 | 0 | 3.755544475745297e-05 | 0 | 0 | 0.0006862701962930888 | 0 | 0 | 6.665302136935003e-05 230 | Industrie chimique | 5.385707620326035e-06 | 0 | 0.0005465056580446706 | 0.006971480828948589 | 0.0022931961668182653 | 0.005132713519871297 | 0 | 0.1295931193726478 | 0.003475181771692024 240 | Industrie du textile | 0 | 0 | 0.029043671272610073 | 0.03845993278317292 | 0.002203121205473536 | 0.01430994626528275 | 0 | 0 | 0.016492385150356195 250 | Industrie pharmacie | 0 | 0 | 0.0042045891240290924 | 0.0005073976445576082 | 0.0029881738125845003 | 0.006374831831350107 | 0 | 0 | 0.0020638174036632165 260 | Imprimerie, édition | 0.002404381286292141 | 0 | 3.157980119255968e-05 | 0.003087108417320234 | 0.002863454809976381 | 0.0038700993339387357 | 0 | 0 | 0.0025330127699715456 270 | Sidérurgie, aciérie | 0 | 0 | 0.0026607346185841636 | 0.012015097567971991 | 0 | 0.04193961478140603 | 0 | 0 | 0.007610216077974841 280 | Industrie de la fabrication | 4.7256973568268e-05 | 0.001021684877060315 | 0.01229110088055651 | 0.0604580756867071 | 0.02349768748846866 | 0.0047717811707407454 | 0 | 0 | 0.026961433764989495 290 | Autres industries | 0 | 0 | 0.000979639724858952 | 0.00024942612613205323 | 0.06745770329718334 | 0.011433965161932439 | 0 | 0 | 0.021649893989717287 300 | Production et distribution de l'électricité | 0.0632877993477208 | 0 | 0.0006538762346845048 | 0.0026880566995504296 | 0 | 0.00047905690556566835 | 0 | 0 | 0.01123471273237253 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0031859488516287142 | 0.005551239276216888 | 0 | 0 | 0.0014601854489787853 500 | Traitement et distribution de l'eau | 0 | 0 | 0.02767628383920628 | 0.0038364154204771285 | 0.0002201580672144085 | 0.00036100066871206385 | 0 | 0 | 0.00413323035463769 600 | Entrep/ batiment et corps/ métiers corresp. | 0.029378781075326616 | 0.07649682130155526 | 0.06258606042665621 | 0.1286548484325472 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | 0.06309215434610735 700 | Commerce de gros(1) | 0.09267478803259678 | 0.2552621695947258 | 0.28211009933568043 | 0.21807368674275032 | 0.2567962061598811 | 0.318892441203485 | 0 | 0.1727908258301971 | 0.21843117691015518 800 | Commerce de détail(2) | 0.031502253319612525 | 0.33494077161636354 | 0.07547134411472224 | 0.14764674218242868 | 0.19115933982060515 | 0.09728947525915667 | 0 | 0 | 0.12660640460123535 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0011343937593036354 | 0 | 7.148050191437818e-05 | 3.4484862899462394e-06 | 0.00014366460429242624 | 0.0005264023755538326 | 0 | 0 | 0.00028385488815062986 1000 | Hotels,motels et pensions | 0.08222236407701648 | 0 | 0.0035907040213473624 | 0.007114866579939093 | 0.023508350578243516 | 0.008968448104309244 | 0.030257334249241014 | 0 | 0.024786127608848435 1100 | Transport | 0.037938048986473766 | 0.09822074101909364 | 0.022027470202542938 | 0.006466162571642309 | 0.01738074392795738 | 0.0029139667906712616 | 0 | 0 | 0.016752426808291605 1200 | Immobilier résidentiel | 0.08898624891532592 | 0.1581330154245208 | 0.1062580447750692 | 0.011048241076252859 | 0.0643930456050243 | 0.09633703197329087 | 0.7419951350986482 | 0 | 0.08153029077129849 1300 | Immobilier commercial | 0.11178932267172875 | 0.035898703160758966 | 0.10987313986778101 | 0.13423111609308017 | 0.03773336496798085 | 0.010468746114323801 | 0.21645418670865807 | 0 | 0.08934422005118517 1400 | Télécommunications | 0.0370344809120171 | 0 | 0.0003819123496480668 | 0.000689396920273378 | 0.0010009048812109527 | 0.0018988061289769854 | 0 | 0 | 0.006757031577845437 1500 | Services financiers | 0.009457876957312967 | 0.0046789540337431 | 0.01376729691371639 | 0.0208705929642147 | 0.03534999784350589 | 0.16674767091714665 | 0 | 0 | 0.03482963611829351 1510 | Services professionnels | 0.021084595157046113 | 0.005113490162152883 | 0.012313305519150127 | 0.004000529324085384 | 0.004703331410225718 | 0.04921845131532958 | 0 | 0.1704068806407584 | 0.012000543685489216 1520 | Services médicaux | 0.0003278694972735795 | 0 | 0.0014345116413315817 | 4.541323540669722e-05 | 0.0005476488986723521 | 0.0027549188049101558 | 0 | 0 | 0.0006278658010110863 1530 | Services d'agence ou de représentation | 0 | 0.0005762028697789668 | 0.001056379314281909 | 0.0003213049409284639 | 0.001227059438912878 | 3.8258965647001467e-05 | 0 | 0 | 0.0005865859110751793 1540 | Services d'enseignement | 0.016118816456071373 | 0 | 0.0003441825564447335 | 0.0011225316788385765 | 0.0015733004199366433 | 0.00011101931995781675 | 0 | 0 | 0.003487195658549123 1550 | Autres services | 0.11862267455999721 | 0.008996500558182484 | 0.036078741852292685 | 0.01595904000053508 | 0.03602101635941146 | 0.01616899039781946 | 0 | 0.1988080273918745 | 0.040588768170375676 1560 | Crédit à la consommation | 0.14103608602955497 | 0.020099406221054363 | 0.044072716761059526 | 0.08061742879556971 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | 0.0664011670776815 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 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 (1) Commerce de gros Import-export | 0.03327607454643007 | 0.02917629459860062 | 0.051141106081816726 | 0.02943021892626768 | 0.056025375856395325 | 0.018817535614314648 | 0 | 0 | 0.03847627642929563 Produits pétroliers | 0 | 0 | 0.06785286278424525 | 0.07590642976010012 | 0.01171430241001252 | 0.17897598785332497 | 0 | 0 | 0.04929796348289709 Produits pharmaceutiques | 0 | 0 | 0.0013645171016535165 | 0.003212742139449262 | 0.0016697708944174844 | 0.0019143146739803235 | 0 | 0 | 0.0017815388307414932 Produits alimentaires | 0.011195646385585113 | 0.010098996650487557 | 0.07562599312202384 | 0.0514004098210644 | 0.05807404074021964 | 0.08234162906129168 | 0 | 0 | 0.05013035128585218 Matériaux de construction | 0.004998798235693235 | 0.1367300496927581 | 0.058235825226693516 | 0.004307771729953278 | 0.0955450442545352 | 0.03672375633083402 | 0 | 0 | 0.041535901777568475 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.077872196581487e-07 | 0 | 0 | 0 | 0 | 0 | 2.165908113196176e-08 Autres | 0.04320426886488837 | 0.0792568286528795 | 0.027889587232027918 | 0.053816114365915664 | 0.033767672004300926 | 0.00011921766973931707 | 0 | 0 | 0.03697399229952735 S-Total | 0.0926747880325968 | 0.2552621695947258 | 0.28211009933568043 | 0.2180736867427504 | 0.2567962061598811 | 0.318892441203485 | - | 0 | 0.21819604576496335 (2) Commerce de détail Produits pétroliers | 0.006329144850030787 | 0.0035472086993540357 | 0.0049491531198856305 | 0.002935389514236512 | 0.003414711953269326 | 0.004921332734671614 | 0 | 0 | 0.003929800526094779 Produits pharmaceutiques | 0 | 0 | 0.00016735015576495866 | 4.033390955704372e-06 | 0.00011948320345943267 | 0.0002639868629643101 | 0 | 0 | 7.838054858786884e-05 Véhicules automobiles | 0.0009759092423466119 | 0 | 0.0029697923915477263 | 0.026763645427932428 | 0.06175739410863935 | 0.041780225197737365 | 0 | 0 | 0.030933077410784018 Produits alimentaires | 0.004118916458594191 | 0 | 0.040575592508101846 | 0.012568384424398846 | 0.03740677163923092 | 0.009819710089955027 | 0 | 0 | 0.020883675535285588 Librairie ,papeterie | 8.520905560524141e-06 | 0 | 0 | 0.0006736717254086256 | 0.0031297366051686697 | 0 | 0 | 0 | 0.001152268400113327 Appareils électro- ménagers électroni.équip. inform. | 8.915472048858136e-05 | 0 | 0.0032573078866996036 | 0.005824099583019744 | 0.034964835222052605 | 0.031202645990064146 | 0 | 0 | 0.015478797848616594 Matériaux de construction | 0.002405083964488588 | 0 | 0.0015908781624032282 | 0.001889248058511145 | 0.022959973566560075 | 1.2980720487375499e-06 | 0 | 0 | 0.008086319694481595 Autres | 0.017899581959803623 | 0.3313935629170095 | 0.021961269890319237 | 0.09698827005796594 | 0.027406433522224678 | 0.009300207992133956 | 0 | 0 | 0.046116913547384314 S-Total | 0.031826312101312905 | 0.33494077161636354 | 0.07547134411472223 | 0.14764674218242893 | 0.19115933982060507 | 0.09728940693957516 | - | 0 | 0.12665923351134808 [Secteur d'activitésept. 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3329398.109839005 | 794230.74925 | 6129467.49461343 | 18019418.890203744 | 22337601.502550006 | 6091693 | 0 | 38666.6668 | 0 | 56740476.41325618 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6675272.22 | 26059.50366 | 1176874.3035245002 | 2435847.289687921 | 5139872.05397 | 3579269 | 155850.25830619 | 82621.92022 | 0 | 19271666.54936861 Industries Manufacturières ( 200 à 290 ) | 3147790.61 | 2130.53024 | 3308597.70511741 | 10662198.195298728 | 12756043.473059999 | 2323170 | 5012.76662 | 58000.000199999995 | 0 | 32262943.280536138 Prêts aux Particuliers ( 1560 ) | 3781417.83 | 27047.5888 | 755470.6479719443 | 3972103.01756411 | 1986958.99277 | 343333 | 53157.280887469984 | 0 | 0 | 10919488.357993523 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5383135.25 | 261106.72528 | 3704803.7450086307 | 7158062.24067759 | 5092601.44837 | 1563326 | 4936805.507934271 | 0 | 0 | 28099840.917270493 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2010141.3 | 132174.76106 | 384129.5023662599 | 352561.72114186507 | 916613.15446 | 70445 | 0 | 0 | 0 | 3866065.439028125 Bâtiments et Travaux Publics ( 600 ) | 787695.19 | 102941.07917 | 1072816.36121677 | 6338955.723570005 | 1456127.28192 | 572306 | 0 | 44488.72627 | 0 | 10375330.362146774 Électricité, Gaz et Eau ( 300 à 500 ) | 1696853.76 | 0 | 485620.26489552506 | 321467.40206379 | 169847.78894000003 | 93550 | 0 | 0 | 0 | 2767339.215899315 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 123678.534959365 | 10406.40085506 | 10000 | 0 | 0 | 0 | 0 | 144084.935814425 Total | 26811704.269839007 | 1345690.93746 | 17141458.55967384 | 49271020.881062806 | 49865665.696040004 | 14637092 | 5150825.813747931 | 223777.31348999997 | 0 | 164447235.47131357 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12417704135220929 | 0.5902029412110893 | 0.3575814434504026 | 0.3657204289251791 | 0.4479555459804863 | 0.41618191646264163 | 0 | 0.1727908258301971 | #DIV/0! | 0.3450375815113905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24896859046402134 | 0.019365147623857434 | 0.06865660232047915 | 0.049437727210237946 | 0.10307436955320089 | 0.24453416020067373 | 0.030257334249241014 | 0.3692149080326329 | #DIV/0! | 0.11719057784179283 Industries Manufacturières ( 200 à 290 ) | 0.11740360024562142 | 0.0015832240380702787 | 0.19301727992395326 | 0.21639897052339577 | 0.2558081456450505 | 0.1587180021824007 | 0.0009731966875332027 | 0.2591862387452956 | #DIV/0! | 0.19619024417205322 Prêts aux Particuliers ( 1560 ) | 0.14103608602955495 | 0.020099406221054363 | 0.04407271676105952 | 0.08061742879556973 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | #DIV/0! | 0.0664011670776815 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20077557158705464 | 0.19403171858527976 | 0.21613118464285017 | 0.14527935716933305 | 0.10212641057300516 | 0.10680577808761467 | 0.9584493218073064 | 0 | #DIV/0! | 0.17087451082248367 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.07497252989849086 | 0.09822074101909364 | 0.022409382552190996 | 0.007155559491915689 | 0.018381648809168333 | 0.004812772919648247 | 0 | 0 | #DIV/0! | 0.023509458386137036 Bâtiments et Travaux Publics ( 600 ) | 0.029378781075326613 | 0.07649682130155526 | 0.0625860604266562 | 0.12865484843254724 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | #DIV/0! | 0.06309215434610735 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0632877993477208 | 0 | 0.028330160073890776 | 0.00652447212002756 | 0.003406106918843123 | 0.00639129685049462 | 0 | 0 | #DIV/0! | 0.016828128535989004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007215169848517156 | 0.00021120733179408658 | 0.000200538784761358 | 0 | 0 | 0 | #DIV/0! | 0.0008761773063649914 Total | 0.9999999999999999 | 1 | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitéjuin 22] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2022 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 | 123678.534959365 | 10406.40085506 | 10000 | 0 | 0 | 0 | 0 | 144084.935814425 200 | Industrie alimentaire | 2316524.36 | 755.6581600000001 | 964511.534122915 | 1822577.2443266704 | 5122371.940179999 | 917471 | 5012.76662 | 29000.000099999997 | 0 | 11178224.503509585 210 | Industrie des boissons | 765117.1 | 0 | 1490520.7878341351 | 2840947.1263840157 | 2582113.2070900006 | 110035 | 0 | 0 | 0 | 7788733.221308151 220 | Industrie du bois | 272.15 | 0 | 643.7551 | 0 | 0 | 10045 | 0 | 0 | 0 | 10960.9051 230 | Industrie chimique | 144.4 | 0 | 9367.90409 | 343491.977495055 | 114351.75343000001 | 75128 | 0 | 29000.000099999997 | 0 | 571484.0351150549 240 | Industrie du textile | 0 | 0 | 497850.887540235 | 1894960.1512439852 | 109860.10552 | 209456 | 0 | 0 | 0 | 2712127.1443042206 250 | Industrie pharmacie | 0 | 0 | 72072.79023 | 24999.99994 | 149007.27638 | 93309 | 0 | 0 | 0 | 339389.06655 260 | Imprimerie, édition | 64465.56 | 0 | 541.3238534650001 | 152104.98329189 | 142788.08028999998 | 56647 | 0 | 0 | 0 | 416546.947435355 270 | Sidérurgie, aciérie | 0 | 0 | 45608.872202750004 | 591996.123159555 | 0 | 613874 | 0 | 0 | 0 | 1251478.995362305 280 | Industrie de la fabrication | 1267.04 | 1374.87208 | 210687.39639683 | 2978831.1095886216 | 1171727.82893 | 69845 | 0 | 0 | 0 | 4433733.246995452 290 | Autres industries | 0 | 0 | 16792.453747080002 | 12289.479868935001 | 3363823.28124 | 167360 | 0 | 0 | 0 | 3560265.214856015 300 | Production et distribution de l'électricité | 1696853.76 | 0 | 11208.392380000001 | 132443.29777303 | 0 | 7012 | 0 | 0 | 0 | 1847517.45015303 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 158869.46036000003 | 81254 | 0 | 0 | 0 | 240123.46036000003 500 | Traitement et distribution de l'eau | 0 | 0 | 474411.8725155251 | 189024.10429075998 | 10978.32858 | 5284 | 0 | 0 | 0 | 679698.3053862851 600 | Entrep/ batiment et corps/ métiers corresp. | 787695.19 | 102941.07917 | 1072816.36121677 | 6338955.723570005 | 1456127.28192 | 572306 | 0 | 44488.72627 | 0 | 10375330.362146774 700 | Commerce de gros(1) | 2484769.01 | 343503.9883 | 4835778.577028035 | 10744713.173112402 | 12805313.76838 | 4667658 | 0 | 38666.6668 | 0 | 35920403.18362044 800 | Commerce de détail(2) | 844629.099839005 | 450726.76094999997 | 1293688.917585395 | 7274705.717091341 | 9532287.734170005 | 1424035 | 0 | 0 | 0 | 20820073.229635745 900 | Rest/débits/boissons, casinos/activités/loterie | 30415.03 | 0 | 1225.28006139 | 169.91044 | 7163.93113 | 7705 | 0 | 0 | 0 | 46679.15163139 1000 | Hotels,motels et pensions | 2204521.71 | 0 | 61549.904181980004 | 350556.739826155 | 1172259.551 | 131272 | 155850.25830619 | 0 | 0 | 4076010.163314325 1100 | Transport | 1017183.75 | 132174.76106 | 377582.96765133995 | 318594.43108773505 | 866702.36626 | 42652 | 0 | 0 | 0 | 2754890.2760590753 1200 | Immobilier résidentiel / Avance Hypothécaire | 2385872.99 | 212798.16577000002 | 1821417.8711438156 | 544358.1167670705 | 3211002.08529 | 1410094 | 3821887.695541501 | 0 | 0 | 13407430.924512386 1300 | Immobilier commercial | 2997262.26 | 48308.55951 | 1883385.873864815 | 6613704.123910519 | 1881599.36308 | 153232 | 1114917.8123927703 | 0 | 0 | 14692409.992758103 1400 | Télécommunications | 992957.55 | 0 | 6546.534714920001 | 33967.290054130004 | 49910.788199999995 | 27793 | 0 | 0 | 0 | 1111175.16296905 1500 | Services financiers | 253581.8 | 6296.42604 | 235991.549525195 | 1028315.4217399851 | 1762751.1748199998 | 2440701 | 0 | 0 | 0 | 5727637.37212518 1510 | Services professionnels | 565313.93 | 6881.17737 | 211068.016289115 | 197110.16386231504 | 234534.75176 | 720415 | 0 | 38133.19395 | 0 | 1973456.2332314302 1520 | Services médicaux | 8790.74 | 0 | 24589.621853255 | 2237.55647 | 27308.8769 | 40324 | 0 | 0 | 0 | 103250.795223255 1530 | Services d'agence ou de représentation | 0 | 775.39098 | 18107.882239060003 | 15831.022453674997 | 61188.13577 | 560 | 0 | 0 | 0 | 96462.431442735 1540 | Services d'enseignement | 432172.94 | 0 | 5899.79102826 | 55308.281787709995 | 78453.67278000001 | 1625 | 0 | 0 | 0 | 573459.68559597 1550 | Autres services | 3180476.07 | 12106.509269999999 | 618442.258346245 | 786318.1931080807 | 1796211.95981 | 236667 | 0 | 44488.72627 | 0 | 6674710.716804326 1560 | Crédit à la consommation | 3781417.83 | 27047.5888 | 755470.6479719443 | 3972103.01756411 | 1986958.99277 | 343333 | 53157.280887469984 | 0 | 0 | 10919488.357993523 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 | 26811704.269839004 | 1345690.93746 | 17141458.559673835 | 49271020.88106281 | 49865665.696040004 | 14637092 | 5150825.813747931 | 223777.31348999997 | 0 | 164447235.47131357 (1) Commerce de gros Import-export | 892188.27 | 39262.27523 | 876633.150597345 | 1450056.931250385 | 2793742.6629500003 | 275434 | 0 | 6327317.29002773 Produits pétroliers | 0 | 0 | 1163097.035571375 | 3739987.2857168205 | 584141.4878400001 | 2619688 | 0 | 8106913.809128195 Produits pharmaceutiques | 0 | 0 | 23389.81335196 | 158295.085038275 | 83264.23720999999 | 28020 | 0 | 292969.13560023496 Produits alimentaires | 300174.36 | 13590.12827 | 1296339.82713535 | 2532550.66558885 | 2895900.7011700002 | 1205242 | 0 | 8243797.682164201 Matériaux de construction | 134026.3 | 183996.38875 | 998246.984811775 | 212248.31085738004 | 4764417.23571 | 537529 | 0 | 6830464.220129155 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 3.5617760150000004 | 0 | 0 | 0 | 0 | 3.5617760150000004 Autres | 1158380.0799999998 | 106655.19605 | 478068.20378421503 | 2651574.894660695 | 1683847.4434999991 | 1745 | 0 | 0 | 6080270.817994909 S-Total | 2484769.01 | 343503.98829999997 | 4835778.577028035 | 10744713.173112405 | 12805313.76838 | 4667658 | 0 | 0 | 0 | 35881736.51682044 (2) Commerce de détail Produits pétroliers | 169695.16 | 4773.446599999999 | 84835.70311 | 144629.63805 | 170276.88470999998 | 72034 | 646244.83247 Produits pharmaceutiques | 0 | 0 | 2868.62576 | 198.72929000000002 | 5958.10948 | 3864 | 0 | 12889.464530000001 Véhicules automobiles | 26165.79 | 0 | 50906.57321055 | 1318672.13273302 | 3079573.56888 | 611541 | 0 | 5086859.06482357 Produits alimentaires | 110435.17 | 0 | 695524.8375118399 | 619257.1314157802 | 1865313.5693299994 | 143732 | 0 | 3434262.7082576193 Librairie ,papeterie | 228.46 | 0 | 0 | 33192.493649590004 | 156066.39927000002 | 0 | 0 | 189487.35291959002 Appareils électro- ménagers électroni.équip. inform. | 2390.39 | 0 | 55835.00815596001 | 286959.332168355 | 1743544.7843 | 456716 | 0 | 2545445.514624315 Matériaux de construction | 64484.399999999994 | 0 | 27269.972094324996 | 93085.18054041 | 1144914.36626 | 19 | 0 | 1329772.9188947352 Autres | 479918.29806 | 445953.31435 | 376448.19774271996 | 4778711.079244199 | 1366640.05194 | 136128 | 0 | 0 | 7583798.941336919 S-Total | 853317.66806 | 450726.76095 | 1293688.9175853948 | 7274705.717091354 | 9532287.73417 | 1424034 | 0 | 0 | 0 | 20828760.797856748 [Secteur d'activitésjuin 22% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2022 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 | 0.007215169848517158 | 0.00021120733179408652 | 0.000200538784761358 | 0 | 0 | 0 | 0.0008761773063649914 200 | Industrie alimentaire | 0.08639974306317791 | 0.0005615391610099638 | 0.05626776337411439 | 0.03699085612060401 | 0.10272342439793766 | 0.06268123476985729 | 0.0009731966875332027 | 0.1295931193726478 | 0.06797453585323136 210 | Industrie des boissons | 0.02853668279717283 | 0 | 0.08695414002520545 | 0.057659595347981235 | 0.05178138446660815 | 0.007517545151728226 | 0 | 0 | 0.04736311436908789 220 | Industrie du bois | 1.015041778997043e-05 | 0 | 3.755544475745297e-05 | 0 | 0 | 0.0006862701962930888 | 0 | 0 | 6.665302136935003e-05 230 | Industrie chimique | 5.385707620326035e-06 | 0 | 0.0005465056580446706 | 0.006971480828948589 | 0.0022931961668182653 | 0.005132713519871297 | 0 | 0.1295931193726478 | 0.003475181771692024 240 | Industrie du textile | 0 | 0 | 0.029043671272610073 | 0.03845993278317292 | 0.002203121205473536 | 0.01430994626528275 | 0 | 0 | 0.016492385150356195 250 | Industrie pharmacie | 0 | 0 | 0.0042045891240290924 | 0.0005073976445576082 | 0.0029881738125845003 | 0.006374831831350107 | 0 | 0 | 0.0020638174036632165 260 | Imprimerie, édition | 0.002404381286292141 | 0 | 3.157980119255968e-05 | 0.003087108417320234 | 0.002863454809976381 | 0.0038700993339387357 | 0 | 0 | 0.0025330127699715456 270 | Sidérurgie, aciérie | 0 | 0 | 0.0026607346185841636 | 0.012015097567971991 | 0 | 0.04193961478140603 | 0 | 0 | 0.007610216077974841 280 | Industrie de la fabrication | 4.7256973568268e-05 | 0.001021684877060315 | 0.01229110088055651 | 0.0604580756867071 | 0.02349768748846866 | 0.0047717811707407454 | 0 | 0 | 0.026961433764989495 290 | Autres industries | 0 | 0 | 0.000979639724858952 | 0.00024942612613205323 | 0.06745770329718334 | 0.011433965161932439 | 0 | 0 | 0.021649893989717287 300 | Production et distribution de l'électricité | 0.0632877993477208 | 0 | 0.0006538762346845048 | 0.0026880566995504296 | 0 | 0.00047905690556566835 | 0 | 0 | 0.01123471273237253 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0031859488516287142 | 0.005551239276216888 | 0 | 0 | 0.0014601854489787853 500 | Traitement et distribution de l'eau | 0 | 0 | 0.02767628383920628 | 0.0038364154204771285 | 0.0002201580672144085 | 0.00036100066871206385 | 0 | 0 | 0.00413323035463769 600 | Entrep/ batiment et corps/ métiers corresp. | 0.029378781075326616 | 0.07649682130155526 | 0.06258606042665621 | 0.1286548484325472 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | 0.06309215434610735 700 | Commerce de gros(1) | 0.09267478803259678 | 0.2552621695947258 | 0.28211009933568043 | 0.21807368674275032 | 0.2567962061598811 | 0.318892441203485 | 0 | 0.1727908258301971 | 0.21843117691015518 800 | Commerce de détail(2) | 0.031502253319612525 | 0.33494077161636354 | 0.07547134411472224 | 0.14764674218242868 | 0.19115933982060515 | 0.09728947525915667 | 0 | 0 | 0.12660640460123535 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0011343937593036354 | 0 | 7.148050191437818e-05 | 3.4484862899462394e-06 | 0.00014366460429242624 | 0.0005264023755538326 | 0 | 0 | 0.00028385488815062986 1000 | Hotels,motels et pensions | 0.08222236407701648 | 0 | 0.0035907040213473624 | 0.007114866579939093 | 0.023508350578243516 | 0.008968448104309244 | 0.030257334249241014 | 0 | 0.024786127608848435 1100 | Transport | 0.037938048986473766 | 0.09822074101909364 | 0.022027470202542938 | 0.006466162571642309 | 0.01738074392795738 | 0.0029139667906712616 | 0 | 0 | 0.016752426808291605 1200 | Immobilier résidentiel | 0.08898624891532592 | 0.1581330154245208 | 0.1062580447750692 | 0.011048241076252859 | 0.0643930456050243 | 0.09633703197329087 | 0.7419951350986482 | 0 | 0.08153029077129849 1300 | Immobilier commercial | 0.11178932267172875 | 0.035898703160758966 | 0.10987313986778101 | 0.13423111609308017 | 0.03773336496798085 | 0.010468746114323801 | 0.21645418670865807 | 0 | 0.08934422005118517 1400 | Télécommunications | 0.0370344809120171 | 0 | 0.0003819123496480668 | 0.000689396920273378 | 0.0010009048812109527 | 0.0018988061289769854 | 0 | 0 | 0.006757031577845437 1500 | Services financiers | 0.009457876957312967 | 0.0046789540337431 | 0.01376729691371639 | 0.0208705929642147 | 0.03534999784350589 | 0.16674767091714665 | 0 | 0 | 0.03482963611829351 1510 | Services professionnels | 0.021084595157046113 | 0.005113490162152883 | 0.012313305519150127 | 0.004000529324085384 | 0.004703331410225718 | 0.04921845131532958 | 0 | 0.1704068806407584 | 0.012000543685489216 1520 | Services médicaux | 0.0003278694972735795 | 0 | 0.0014345116413315817 | 4.541323540669722e-05 | 0.0005476488986723521 | 0.0027549188049101558 | 0 | 0 | 0.0006278658010110863 1530 | Services d'agence ou de représentation | 0 | 0.0005762028697789668 | 0.001056379314281909 | 0.0003213049409284639 | 0.001227059438912878 | 3.8258965647001467e-05 | 0 | 0 | 0.0005865859110751793 1540 | Services d'enseignement | 0.016118816456071373 | 0 | 0.0003441825564447335 | 0.0011225316788385765 | 0.0015733004199366433 | 0.00011101931995781675 | 0 | 0 | 0.003487195658549123 1550 | Autres services | 0.11862267455999721 | 0.008996500558182484 | 0.036078741852292685 | 0.01595904000053508 | 0.03602101635941146 | 0.01616899039781946 | 0 | 0.1988080273918745 | 0.040588768170375676 1560 | Crédit à la consommation | 0.14103608602955497 | 0.020099406221054363 | 0.044072716761059526 | 0.08061742879556971 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | 0.0664011670776815 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 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 (1) Commerce de gros Import-export | 0.03327607454643007 | 0.02917629459860062 | 0.051141106081816726 | 0.02943021892626768 | 0.056025375856395325 | 0.018817535614314648 | 0 | 0 | 0.03847627642929563 Produits pétroliers | 0 | 0 | 0.06785286278424525 | 0.07590642976010012 | 0.01171430241001252 | 0.17897598785332497 | 0 | 0 | 0.04929796348289709 Produits pharmaceutiques | 0 | 0 | 0.0013645171016535165 | 0.003212742139449262 | 0.0016697708944174844 | 0.0019143146739803235 | 0 | 0 | 0.0017815388307414932 Produits alimentaires | 0.011195646385585113 | 0.010098996650487557 | 0.07562599312202384 | 0.0514004098210644 | 0.05807404074021964 | 0.08234162906129168 | 0 | 0 | 0.05013035128585218 Matériaux de construction | 0.004998798235693235 | 0.1367300496927581 | 0.058235825226693516 | 0.004307771729953278 | 0.0955450442545352 | 0.03672375633083402 | 0 | 0 | 0.041535901777568475 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.077872196581487e-07 | 0 | 0 | 0 | 0 | 0 | 2.165908113196176e-08 Autres | 0.04320426886488837 | 0.0792568286528795 | 0.027889587232027918 | 0.053816114365915664 | 0.033767672004300926 | 0.00011921766973931707 | 0 | 0 | 0.03697399229952735 S-Total | 0.0926747880325968 | 0.2552621695947258 | 0.28211009933568043 | 0.2180736867427504 | 0.2567962061598811 | 0.318892441203485 | - | 0 | 0.21819604576496335 (2) Commerce de détail Produits pétroliers | 0.006329144850030787 | 0.0035472086993540357 | 0.0049491531198856305 | 0.002935389514236512 | 0.003414711953269326 | 0.004921332734671614 | 0 | 0 | 0.003929800526094779 Produits pharmaceutiques | 0 | 0 | 0.00016735015576495866 | 4.033390955704372e-06 | 0.00011948320345943267 | 0.0002639868629643101 | 0 | 0 | 7.838054858786884e-05 Véhicules automobiles | 0.0009759092423466119 | 0 | 0.0029697923915477263 | 0.026763645427932428 | 0.06175739410863935 | 0.041780225197737365 | 0 | 0 | 0.030933077410784018 Produits alimentaires | 0.004118916458594191 | 0 | 0.040575592508101846 | 0.012568384424398846 | 0.03740677163923092 | 0.009819710089955027 | 0 | 0 | 0.020883675535285588 Librairie ,papeterie | 8.520905560524141e-06 | 0 | 0 | 0.0006736717254086256 | 0.0031297366051686697 | 0 | 0 | 0 | 0.001152268400113327 Appareils électro- ménagers électroni.équip. inform. | 8.915472048858136e-05 | 0 | 0.0032573078866996036 | 0.005824099583019744 | 0.034964835222052605 | 0.031202645990064146 | 0 | 0 | 0.015478797848616594 Matériaux de construction | 0.002405083964488588 | 0 | 0.0015908781624032282 | 0.001889248058511145 | 0.022959973566560075 | 1.2980720487375499e-06 | 0 | 0 | 0.008086319694481595 Autres | 0.017899581959803623 | 0.3313935629170095 | 0.021961269890319237 | 0.09698827005796594 | 0.027406433522224678 | 0.009300207992133956 | 0 | 0 | 0.046116913547384314 S-Total | 0.031826312101312905 | 0.33494077161636354 | 0.07547134411472223 | 0.14764674218242893 | 0.19115933982060507 | 0.09728940693957516 | - | 0 | 0.12665923351134808 [Secteur d'activitéjuin 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3329398.109839005 | 794230.74925 | 6129467.49461343 | 18019418.890203744 | 22337601.502550006 | 6091693 | 0 | 38666.6668 | 0 | 56740476.41325618 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6675272.22 | 26059.50366 | 1176874.3035245002 | 2435847.289687921 | 5139872.05397 | 3579269 | 155850.25830619 | 82621.92022 | 0 | 19271666.54936861 Industries Manufacturières ( 200 à 290 ) | 3147790.61 | 2130.53024 | 3308597.70511741 | 10662198.195298728 | 12756043.473059999 | 2323170 | 5012.76662 | 58000.000199999995 | 0 | 32262943.280536138 Prêts aux Particuliers ( 1560 ) | 3781417.83 | 27047.5888 | 755470.6479719443 | 3972103.01756411 | 1986958.99277 | 343333 | 53157.280887469984 | 0 | 0 | 10919488.357993523 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5383135.25 | 261106.72528 | 3704803.7450086307 | 7158062.24067759 | 5092601.44837 | 1563326 | 4936805.507934271 | 0 | 0 | 28099840.917270493 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2010141.3 | 132174.76106 | 384129.5023662599 | 352561.72114186507 | 916613.15446 | 70445 | 0 | 0 | 0 | 3866065.439028125 Bâtiments et Travaux Publics ( 600 ) | 787695.19 | 102941.07917 | 1072816.36121677 | 6338955.723570005 | 1456127.28192 | 572306 | 0 | 44488.72627 | 0 | 10375330.362146774 Électricité, Gaz et Eau ( 300 à 500 ) | 1696853.76 | 0 | 485620.26489552506 | 321467.40206379 | 169847.78894000003 | 93550 | 0 | 0 | 0 | 2767339.215899315 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 123678.534959365 | 10406.40085506 | 10000 | 0 | 0 | 0 | 0 | 144084.935814425 Total | 26811704.269839007 | 1345690.93746 | 17141458.55967384 | 49271020.881062806 | 49865665.696040004 | 14637092 | 5150825.813747931 | 223777.31348999997 | 0 | 164447235.47131357 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12417704135220929 | 0.5902029412110893 | 0.3575814434504026 | 0.3657204289251791 | 0.4479555459804863 | 0.41618191646264163 | 0 | 0.1727908258301971 | #DIV/0! | 0.3450375815113905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24896859046402134 | 0.019365147623857434 | 0.06865660232047915 | 0.049437727210237946 | 0.10307436955320089 | 0.24453416020067373 | 0.030257334249241014 | 0.3692149080326329 | #DIV/0! | 0.11719057784179283 Industries Manufacturières ( 200 à 290 ) | 0.11740360024562142 | 0.0015832240380702787 | 0.19301727992395326 | 0.21639897052339577 | 0.2558081456450505 | 0.1587180021824007 | 0.0009731966875332027 | 0.2591862387452956 | #DIV/0! | 0.19619024417205322 Prêts aux Particuliers ( 1560 ) | 0.14103608602955495 | 0.020099406221054363 | 0.04407271676105952 | 0.08061742879556973 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | #DIV/0! | 0.0664011670776815 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20077557158705464 | 0.19403171858527976 | 0.21613118464285017 | 0.14527935716933305 | 0.10212641057300516 | 0.10680577808761467 | 0.9584493218073064 | 0 | #DIV/0! | 0.17087451082248367 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.07497252989849086 | 0.09822074101909364 | 0.022409382552190996 | 0.007155559491915689 | 0.018381648809168333 | 0.004812772919648247 | 0 | 0 | #DIV/0! | 0.023509458386137036 Bâtiments et Travaux Publics ( 600 ) | 0.029378781075326613 | 0.07649682130155526 | 0.0625860604266562 | 0.12865484843254724 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | #DIV/0! | 0.06309215434610735 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0632877993477208 | 0 | 0.028330160073890776 | 0.00652447212002756 | 0.003406106918843123 | 0.00639129685049462 | 0 | 0 | #DIV/0! | 0.016828128535989004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007215169848517156 | 0.00021120733179408658 | 0.000200538784761358 | 0 | 0 | 0 | #DIV/0! | 0.0008761773063649914 Total | 0.9999999999999999 | 1 | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitémars 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2022 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 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976 200 | Industrie alimentaire | 1605868.49 | 755.6581600000001 | 992357.2937635999 | 1425543.2072053596 | 4284529.67234 | 871821 | 5943.5138099999995 | 29000.000099999997 | 0 | 9215818.83537896 210 | Industrie des boissons | 765181.12 | 0 | 1403617.1605545601 | 3273172.0407628 | 2416220.00723 | 238303 | 0 | 0 | 0 | 8096493.32854736 220 | Industrie du bois | 54614.82 | 0 | 592.36105744 | 0 | 0 | 4558 | 0 | 0 | 0 | 59765.18105744 230 | Industrie chimique | 167.5 | 0 | 10614.949359999999 | 371559.72717008 | 111177.98531999999 | 70895 | 0 | 29000.000099999997 | 0 | 593415.16195008 240 | Industrie du textile | 926.1 | 0 | 466517.95370952005 | 1721947.5989116 | 93738.60612000001 | 131512 | 0 | 0 | 0 | 2414642.2587411203 250 | Industrie pharmacie | 0 | 0 | 43559.46534 | 37499.999950000005 | 158931.05851 | 38004 | 0 | 0 | 0 | 277994.5238 260 | Imprimerie, édition | 9697.55 | 0 | 490.86500567999997 | 114213.97331304 | 131528.511 | 21240 | 0 | 0 | 0 | 277170.89931872 270 | Sidérurgie, aciérie | 23044.7 | 0 | 62712.703747199994 | 590363.4978812799 | 0 | 625257 | 0 | 0 | 0 | 1301377.9016284798 280 | Industrie de la fabrication | 1471.38 | 1463.65172 | 185432.18689728 | 2326071.67430944 | 740105.1583400001 | 69672 | 0 | 0 | 0 | 3324216.05126672 290 | Autres industries | 0 | 0 | 11855.68317728 | 9869.48194224 | 2608620.36303 | 211776 | 0 | 0 | 0 | 2842121.52814952 300 | Production et distribution de l'électricité | 1532976.01 | 0 | 333373.89535 | 393121.56418352004 | 0 | 3793 | 0 | 0 | 0 | 2263264.4695335203 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 82464.18302 | 179312 | 0 | 0 | 0 | 261776.18302 500 | Traitement et distribution de l'eau | 0 | 0 | 479629.18235464 | 184159.85203367998 | 30696.79721 | 12649 | 0 | 0 | 0 | 707134.8315983199 600 | Entrep/ batiment et corps/ métiers corresp. | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024 700 | Commerce de gros(1) | 3068985.4299999997 | 318021.94368 | 4418960.48127512 | 10092358.923678879 | 12167989.0131 | 3432976 | 0 | 38666.666800000006 | 0 | 33537958.458533995 800 | Commerce de détail(2) | 737354.96 | 433318.83444999997 | 933224.2341565599 | 7191232.00337737 | 8951983.784030002 | 1265434 | 0 | 0 | 0 | 19512547.816013932 900 | Rest/débits/boissons, casinos/activités/loterie | 24795.75 | 0 | 1285.90793664 | 427.06474 | 8968.365730000001 | 10127 | 0 | 0 | 0 | 45604.08840664 1000 | Hotels,motels et pensions | 2192040.36 | 0 | 68970.983322 | 359833.497942 | 1110743.1417999999 | 246616 | 157238.13318696004 | 0 | 0 | 4135442.11625096 1100 | Transport | 920747.52 | 128961.34726000001 | 307927.53131016006 | 281939.45264264 | 823599.00015 | 37138 | 0 | 0 | 0 | 2500312.8513628 1200 | Immobilier résidentiel / Avance Hypothécaire | 2398774.37 | 210405.09181 | 1662768.3216169602 | 481695.9095548802 | 3138080.48398 | 1331951 | 3655625.7513001584 | 0 | 0 | 12879300.928261999 1300 | Immobilier commercial | 3302473.18 | 48417.51509 | 1687550.5935830404 | 6468829.365071842 | 1659398.7390899998 | 126846 | 1072790.5891846397 | 0 | 0 | 14366305.982019523 1400 | Télécommunications | 1297941.57 | 0 | 7994.835871519999 | 33447.34859616 | 66948.63506 | 29967 | 0 | 0 | 0 | 1436299.3895276801 1500 | Services financiers | 362471.39 | 0 | 244686.33605736 | 1054626.0147484 | 3011320.14783 | 2239715 | 0 | 0 | 0 | 6912818.88863576 1510 | Services professionnels | 513325.09 | 6874.63521 | 238713.90092736 | 179521.71209224008 | 249714.22431000002 | 616085 | 0 | 42159.9734441424 | 0 | 1846394.5359837424 1520 | Services médicaux | 9166.77 | 0 | 22729.691506159998 | 2577.99479 | 28292.02048 | 40331 | 0 | 0 | 0 | 103097.47677616 1530 | Services d'agence ou de représentation | 14.38 | 775.39098 | 20827.09445168 | 16267.045146400002 | 66333.69965 | 183 | 0 | 0 | 0 | 104400.61022808 1540 | Services d'enseignement | 435833.99 | 0 | 4798.82072448 | 30990.765940000005 | 74457.76887 | 1751 | 0 | 0 | 0 | 547832.34553448 1550 | Autres services | 3186191.95 | 11092.08531 | 511858.08744960005 | 594676.2793248259 | 1716546.5301199998 | 344915 | 0 | 36137.120094979204 | 0 | 6401417.0522994045 1560 | Crédit à la consommation | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902 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 | 27084989.479999993 | 1280897.4307999995 | 15983184.363910321 | 46801438.45946611 | 46984023.285190016 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208 (1) Commerce de gros Import-export | 843081.9400000001 | 38471.60732 | 975704.02633208 | 1295099.45394944 | 2482605.69591 | 261303 | 0 | 5896265.72351152 Produits pétroliers | 532349.13 | 0 | 872375.3303851999 | 3355741.746343599 | 683554.0143200001 | 1449691 | 0 | 6893711.221048799 Produits pharmaceutiques | 0 | 0 | 21206.78418744 | 144640.17159248 | 95857.68712999999 | 11952 | 0 | 273656.64290992 Produits alimentaires | 293742.77 | 8040.253549999999 | 1157187.82677184 | 2635470.901138 | 2651229.68458 | 1135981 | 0 | 7881652.436039841 Matériaux de construction | 123836.72 | 167191.63902 | 850722.4706471201 | 114961.22336096001 | 4483629.58922 | 560830 | 0 | 6301171.642248081 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.9706794400000005 | 0 | 0 | 0 | 0 | 2.9706794400000005 Autres | 1275974.87 | 104318.44379 | 541761.0722719999 | 2546445.427294399 | 1771112.34194 | 13177 | 0 | 0 | 6252789.155296399 S-Total | 3068985.43 | 318021.94368 | 4418960.481275121 | 10092358.923678879 | 12167989.013100002 | 3432934 | 0 | 0 | 0 | 33499249.791734003 (2) Commerce de détail Produits pétroliers | 146878.18 | 4773.446599999999 | 83243.4338 | 87599.21272 | 144986.67606 | 50625 | 518105.94918 Produits pharmaceutiques | 0 | 0 | 1004.13114 | 492.85256 | 6080.81138 | 3176 | 0 | 10753.79508 Véhicules automobiles | 26554.24 | 0 | 47313.7431712 | 1353845.89952488 | 2715771.74416 | 564051 | 0 | 4707536.626856079 Produits alimentaires | 99769.96 | 0 | 636568.0090797599 | 561687.7482310398 | 1802195.72278 | 132666 | 0 | 3232887.4400907997 Librairie ,papeterie | 228.45 | 0 | 0 | 32767.336429439998 | 122572.20153 | 114 | 0 | 155681.98795944 Appareils électro- ménagers électroni.équip. inform. | 2998.38 | 0 | 59696.08921056 | 276617.76466384 | 1516975.64813 | 411313 | 0 | 2267600.8820044002 Matériaux de construction | 28217.62 | 0 | 27764.122664159997 | 140465.05538448 | 1102725.83049 | 39 | 0 | 1299211.62853864 Autres | 432708.13999999996 | 428545.38785 | 77634.70509087999 | 4737756.133863685 | 1540675.1495 | 103493 | 0 | 0 | 7320812.516304565 S-Total | 737354.97 | 433318.83445 | 933224.2341565599 | 7191232.003377365 | 8951983.78403 | 1265477 | 0 | 0 | 0 | 19512590.826013926 [Secteur d'activitésmars. 22 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 Mars 2022 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 | 0.007251663637137929 | 0.0003737739641799795 | 0.000212838307594491 | 0 | 0 | 0 | 0.0009173546809406942 200 | Industrie alimentaire | 0.05928998020050183 | 0.0005899443170309468 | 0.06208758349833722 | 0.030459388730968113 | 0.09119120442992247 | 0.06679366197199285 | 0.00120985834673208 | 0.13356439467937362 | 0.05895608177094257 210 | Industrie des boissons | 0.028251113797368187 | 0 | 0.08781836764167576 | 0.06993742390199471 | 0.051426417711478205 | 0.018257337261790907 | 0 | 0 | 0.05179545423606417 220 | Industrie du bois | 0.00201642389561674 | 0 | 3.7061516901321506e-05 | 0 | 0 | 0.00034920644406173217 | 0 | 0 | 0.0003823340024818024 230 | Industrie chimique | 6.184237218319202e-06 | 0 | 0.0006641323229661494 | 0.007939066391984538 | 0.0023662934237273963 | 0.005431546917893045 | 0 | 0.13356439467937362 | 0.0037962370394846656 240 | Industrie du textile | 3.419237067394277e-05 | 0 | 0.02918804808151418 | 0.03679262124395916 | 0.0019951166282847397 | 0.0100756555224762 | 0 | 0 | 0.01544711858998486 250 | Industrie pharmacie | 0 | 0 | 0.0027253308444815487 | 0.0008012574225144402 | 0.003382661751746943 | 0.002911637055752977 | 0 | 0 | 0.0017784060396357712 260 | Imprimerie, édition | 0.0003580414903672321 | 0 | 3.071133977459225e-05 | 0.0024403945065055786 | 0.0027994305681663394 | 0.0016272805774179885 | 0 | 0 | 0.0017731370914137764 270 | Sidérurgie, aciérie | 0.0008508292025373164 | 0 | 0.003923667669679385 | 0.01261421694105798 | 0 | 0.04790341676057623 | 0 | 0 | 0.008325265866638683 280 | Industrie de la fabrication | 5.4324554974868704e-05 | 0.001142676755222984 | 0.011601704808960459 | 0.04970085858202861 | 0.01575227293430384 | 0.005337848040954147 | 0 | 0 | 0.02126590776615474 290 | Autres industries | 0 | 0 | 0.000741759771228684 | 0.0002108798846169607 | 0.05552143432238319 | 0.016224998661170994 | 0 | 0 | 0.018181818914808256 300 | Production et distribution de l'électricité | 0.05659873012437295 | 0 | 0.02085778952176457 | 0.008399775244600562 | 0 | 0.0002905967622479487 | 0 | 0 | 0.014478713993687173 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0017551537151139162 | 0.013737802961298227 | 0 | 0 | 0.0016746529339926766 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030008362003108226 | 0.003934918628477147 | 0.0006533454366747693 | 0.0009690900199510422 | 0 | 0 | 0.004523732475593737 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03242040099917366 | 0.07504916333539735 | 0.05907656776526549 | 0.11794506848434527 | 0.02937377930052715 | 0.040944800329072294 | 0 | 0.1941748728740641 | 0.06010334583916316 700 | Commerce de gros(1) | 0.11330945623095735 | 0.24828056957017683 | 0.27647559964665336 | 0.21564206690825735 | 0.25898141883765646 | 0.2630138967769348 | 0 | 0.17808585957249817 | 0.21455137699986035 800 | Commerce de détail(2) | 0.027223749174592634 | 0.33829315605650456 | 0.058387878967582935 | 0.15365408073099224 | 0.1905325078206273 | 0.09694991385142913 | 0 | 0 | 0.12482703763490809 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0009154794030217214 | 0 | 8.0453801155141e-05 | 9.125034487345366e-06 | 0.0001908811783861632 | 0.0007758696048734448 | 0 | 0 | 0.00029174166866970574 1000 | Hotels,motels et pensions | 0.08093192584101386 | 0 | 0.004315221657439863 | 0.007688513639461004 | 0.02364086904728997 | 0.01889422913750069 | 0.032007306442317175 | 0 | 0.026455539970981407 1100 | Transport | 0.033994752727517036 | 0.10068046368041794 | 0.019265718538882256 | 0.006024162118154183 | 0.017529341732844095 | 0.002845289363660511 | 0 | 0 | 0.01599517650585655 1200 | Immobilier résidentiel | 0.08856471484957729 | 0.16426380969363724 | 0.10403235574079059 | 0.010292331291741567 | 0.06679037393056045 | 0.10204604483862839 | 0.7441371332052524 | 0 | 0.08239236602223936 1300 | Immobilier commercial | 0.12193001523735504 | 0.037799681633962114 | 0.10558287730156529 | 0.13821860135077643 | 0.03531836192523479 | 0.009718174770393698 | 0.21837665228217285 | 0 | 0.09190513890863568 1400 | Télécommunications | 0.04792106605610542 | 0 | 0.000500202943887212 | 0.000714664969648917 | 0.0014249234181931605 | 0.002295890633874052 | 0 | 0 | 0.009188395059533174 1500 | Services financiers | 0.01338274066038146 | 0 | 0.015308985399045785 | 0.022534051291218174 | 0.06409242838893296 | 0.1715934424883112 | 0 | 0 | 0.04422316919919872 1510 | Services professionnels | 0.01895238284582122 | 0.005367045826383122 | 0.01493531548483985 | 0.003835816120218626 | 0.0053148752884411505 | 0.04720071349051607 | 0 | 0.1941748728740641 | 0.01181188445534399 1520 | Services médicaux | 0.0003384446579449069 | 0 | 0.001422100314220434 | 5.508366569187303e-05 | 0.0006021625757391878 | 0.003089917748015296 | 0 | 0 | 0.0006595423998418042 1530 | Services d'agence ou de représentation | 5.309213802951052e-07 | 0.0006053497816103202 | 0.001303062892692843 | 0.00034757575155491425 | 0.0014118352369987279 | 1.4020355257414872e-05 | 0 | 0 | 0.0006678788964377345 1540 | Services d'enseignement | 0.016091347952039158 | 0 | 0.0003002418426277827 | 0.0006621755005851061 | 0.0015847465513552576 | 0.0001341510494848822 | 0 | 0 | 0.0035046314534860263 1550 | Autres services | 0.1176368169665614 | 0.008659620234441652 | 0.03202478778918201 | 0.012706367558336148 | 0.03653468583779367 | 0.02642530510170082 | 0 | 0.16643560532062637 | 0.040951593550911075 1560 | Crédit à la consommation | 0.13892635560292643 | 0.01926851911521533 | 0.05005244725663911 | 0.08606574014164287 | 0.03962063970002291 | 0.024148261502762967 | 0.004269049723525499 | 0 | 0.06917496603310959 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 | 1.0000000000000002 | 1.0000000000000004 | 1 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999998 | 1 | 1 | 1 (1) Commerce de gros Import-export | 0.03327607454643007 | 0.02917629459860062 | 0.051141106081816726 | 0.02943021892626768 | 0.056025375856395325 | 0.018817535614314648 | 0 | 0 | 0.03847627642929563 Produits pétroliers | 0 | 0 | 0.06785286278424525 | 0.07590642976010012 | 0.01171430241001252 | 0.17897598785332497 | 0 | 0 | 0.04929796348289709 Produits pharmaceutiques | 0 | 0 | 0.0013645171016535165 | 0.003212742139449262 | 0.0016697708944174844 | 0.0019143146739803235 | 0 | 0 | 0.0017815388307414932 Produits alimentaires | 0.011195646385585113 | 0.010098996650487557 | 0.07562599312202384 | 0.0514004098210644 | 0.05807404074021964 | 0.08234162906129168 | 0 | 0 | 0.05013035128585218 Matériaux de construction | 0.004998798235693235 | 0.1367300496927581 | 0.058235825226693516 | 0.004307771729953278 | 0.0955450442545352 | 0.03672375633083402 | 0 | 0 | 0.041535901777568475 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.077872196581487e-07 | 0 | 0 | 0 | 0 | 0 | 2.165908113196176e-08 Autres | 0.04320426886488837 | 0.0792568286528795 | 0.027889587232027918 | 0.053816114365915664 | 0.033767672004300926 | 0.00011921766973931707 | 0 | 0 | 0.03697399229952735 S-Total | 0.0926747880325968 | 0.2552621695947258 | 0.28211009933568043 | 0.2180736867427504 | 0.2567962061598811 | 0.318892441203485 | - | 0 | 0.21819604576496335 (2) Commerce de détail Produits pétroliers | 0.006329144850030787 | 0.0035472086993540357 | 0.0049491531198856305 | 0.002935389514236512 | 0.003414711953269326 | 0.004921332734671614 | 0 | 0 | 0.003929800526094779 Produits pharmaceutiques | 0 | 0 | 0.00016735015576495866 | 4.033390955704372e-06 | 0.00011948320345943267 | 0.0002639868629643101 | 0 | 0 | 7.838054858786884e-05 Véhicules automobiles | 0.0009759092423466119 | 0 | 0.0029697923915477263 | 0.026763645427932428 | 0.06175739410863935 | 0.041780225197737365 | 0 | 0 | 0.030933077410784018 Produits alimentaires | 0.004118916458594191 | 0 | 0.040575592508101846 | 0.012568384424398846 | 0.03740677163923092 | 0.009819710089955027 | 0 | 0 | 0.020883675535285588 Librairie ,papeterie | 8.520905560524141e-06 | 0 | 0 | 0.0006736717254086256 | 0.0031297366051686697 | 0 | 0 | 0 | 0.001152268400113327 Appareils électro- ménagers électroni.équip. inform. | 8.915472048858136e-05 | 0 | 0.0032573078866996036 | 0.005824099583019744 | 0.034964835222052605 | 0.031202645990064146 | 0 | 0 | 0.015478797848616594 Matériaux de construction | 0.002405083964488588 | 0 | 0.0015908781624032282 | 0.001889248058511145 | 0.022959973566560075 | 1.2980720487375499e-06 | 0 | 0 | 0.008086319694481595 Autres | 0.017899581959803623 | 0.3313935629170095 | 0.021961269890319237 | 0.09698827005796594 | 0.027406433522224678 | 0.009300207992133956 | 0 | 0 | 0.046116913547384314 S-Total | 0.031826312101312905 | 0.33494077161636354 | 0.07547134411472223 | 0.14764674218242893 | 0.19115933982060507 | 0.09728940693957516 | - | 0 | 0.12665923351134808 [Secteur d'activitémars 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31MARS 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3806340.3899999997 | 751340.77813 | 5352184.71543168 | 17283590.92705625 | 21119972.797130004 | 4698410 | 0 | 38666.666800000006 | 0 | 53050506.27454793 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6723839.68 | 18742.1115 | 1113870.8223752799 | 2238920.374723866 | 6266375.89879 | 3499723 | 157238.13318696004 | 78297.0935391216 | 0 | 20097007.114115227 Industries Manufacturières ( 200 à 290 ) | 2460971.6599999997 | 2219.3098800000002 | 3177750.6226125597 | 9870241.20144584 | 10544851.36189 | 2283038 | 5943.5138099999995 | 58000.000199999995 | 0 | 28403015.669838402 Prêts aux Particuliers ( 1560 ) | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5701247.550000001 | 258822.6069 | 3350318.9152000006 | 6950525.274626723 | 4797479.223069999 | 1458797 | 4728416.340484798 | 0 | 0 | 27245606.910281524 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2218689.09 | 128961.34726000001 | 315922.36718168005 | 315386.8012388 | 890547.63521 | 67105 | 0 | 0 | 0 | 3936612.24089048 Bâtiments et Travaux Publics ( 600 ) | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024 Électricité, Gaz et Eau ( 300 à 500 ) | 1532976.01 | 0 | 813003.07770464 | 577281.4162172 | 113160.98023 | 195754 | 0 | 0 | 0 | 3232175.4841518397 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976 Total | 27084989.480000004 | 1280897.4307999997 | 15983184.36391032 | 46801438.4594661 | 46984023.28519 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14053320540554992 | 0.5865737256266813 | 0.3348634786142363 | 0.3692961476392497 | 0.44951392665828394 | 0.35996381062836397 | 0 | 0.17808585957249817 | #DIV/0! | 0.3393784146347684 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24824966924816388 | 0.014632015842435089 | 0.0696901691812037 | 0.0478387085615532 | 0.13337248410493716 | 0.2681276489756598 | 0.032007306442317175 | 0.3606104781946905 | #DIV/0! | 0.12856598159487045 Industries Manufacturières ( 200 à 290 ) | 0.09086108974925838 | 0.0017326210722539304 | 0.1988183674955193 | 0.21089610760563016 | 0.22443483177001317 | 0.17491258921408706 | 0.00120985834673208 | 0.26712878935874723 | #DIV/0! | 0.18170176131760932 Prêts aux Particuliers ( 1560 ) | 0.13892635560292638 | 0.019268519115215328 | 0.05005244725663912 | 0.08606574014164288 | 0.03962063970002292 | 0.024148261502762967 | 0.004269049723525499 | 0 | #DIV/0! | 0.06917496603310959 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.21049473008693226 | 0.20206349132759932 | 0.2096152330423559 | 0.14851093264251802 | 0.10210873585579526 | 0.1117642196090221 | 0.9625137854874253 | 0 | #DIV/0! | 0.17429750493087506 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08191581878362242 | 0.10068046368041793 | 0.01976592148276947 | 0.006738827087803101 | 0.01895426515103726 | 0.005141179997534563 | 0 | 0 | #DIV/0! | 0.025183571565389723 Bâtiments et Travaux Publics ( 600 ) | 0.03242040099917365 | 0.07504916333539734 | 0.0590765677652655 | 0.11794506848434529 | 0.02937377930052716 | 0.040944800329072294 | 0 | 0.1941748728740641 | #DIV/0! | 0.06010334583916316 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05659873012437293 | 0 | 0.0508661515248728 | 0.01233469387307771 | 0.0024084991517886864 | 0.014997489743497218 | 0 | 0 | #DIV/0! | 0.020677099403273586 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00725166363713793 | 0.00037377396417997955 | 0.00021283830759449105 | 0 | 0 | 0 | #DIV/0! | 0.0009173546809406942 Total | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [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 (gl] 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' 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 | 0.03327607454643007 | 0.02917629459860062 | 0.051141106081816726 | 0.02943021892626768 | 0.056025375856395325 | 0.018817535614314648 | 0 | 0 | 0.03847627642929563 Produits pétroliers | 0 | 0 | 0.06785286278424525 | 0.07590642976010012 | 0.01171430241001252 | 0.17897598785332497 | 0 | 0 | 0.04929796348289709 Produits pharmaceutiques | 0 | 0 | 0.0013645171016535165 | 0.003212742139449262 | 0.0016697708944174844 | 0.0019143146739803235 | 0 | 0 | 0.0017815388307414932 Produits alimentaires | 0.011195646385585113 | 0.010098996650487557 | 0.07562599312202384 | 0.0514004098210644 | 0.05807404074021964 | 0.08234162906129168 | 0 | 0 | 0.05013035128585218 Matériaux de construction | 0.004998798235693235 | 0.1367300496927581 | 0.058235825226693516 | 0.004307771729953278 | 0.0955450442545352 | 0.03672375633083402 | 0 | 0 | 0.041535901777568475 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.077872196581487e-07 | 0 | 0 | 0 | 0 | 0 | 2.165908113196176e-08 Autres | 0.04320426886488837 | 0.0792568286528795 | 0.027889587232027918 | 0.053816114365915664 | 0.033767672004300926 | 0.00011921766973931707 | 0 | 0 | 0.03697399229952735 S-Total | 0.0926747880325968 | 0.2552621695947258 | 0.28211009933568043 | 0.2180736867427504 | 0.2567962061598811 | 0.318892441203485 | - | 0 | 0.21819604576496335 (2) Commerce de détail Produits pétroliers | 0.006329144850030787 | 0.0035472086993540357 | 0.0049491531198856305 | 0.002935389514236512 | 0.003414711953269326 | 0.004921332734671614 | 0 | 0 | 0.003929800526094779 Produits pharmaceutiques | 0 | 0 | 0.00016735015576495866 | 4.033390955704372e-06 | 0.00011948320345943267 | 0.0002639868629643101 | 0 | 0 | 7.838054858786884e-05 Véhicules automobiles | 0.0009759092423466119 | 0 | 0.0029697923915477263 | 0.026763645427932428 | 0.06175739410863935 | 0.041780225197737365 | 0 | 0 | 0.030933077410784018 Produits alimentaires | 0.004118916458594191 | 0 | 0.040575592508101846 | 0.012568384424398846 | 0.03740677163923092 | 0.009819710089955027 | 0 | 0 | 0.020883675535285588 Librairie ,papeterie | 8.520905560524141e-06 | 0 | 0 | 0.0006736717254086256 | 0.0031297366051686697 | 0 | 0 | 0 | 0.001152268400113327 Appareils électro- ménagers électroni.équip. inform. | 8.915472048858136e-05 | 0 | 0.0032573078866996036 | 0.005824099583019744 | 0.034964835222052605 | 0.031202645990064146 | 0 | 0 | 0.015478797848616594 Matériaux de construction | 0.002405083964488588 | 0 | 0.0015908781624032282 | 0.001889248058511145 | 0.022959973566560075 | 1.2980720487375499e-06 | 0 | 0 | 0.008086319694481595 Autres | 0.017899581959803623 | 0.3313935629170095 | 0.021961269890319237 | 0.09698827005796594 | 0.027406433522224678 | 0.009300207992133956 | 0 | 0 | 0.046116913547384314 S-Total | 0.031826312101312905 | 0.33494077161636354 | 0.07547134411472223 | 0.14764674218242893 | 0.19115933982060507 | 0.09728940693957516 | - | 0 | 0.12665923351134808 [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 [text truncated at 1,600,000 bytes for storage]

(2022-09) Rapports statistiques sur le système bancaire, septembre 2022

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