(2023-03) Rapports statistiques sur le système bancaire, mars 2023

Banque de la République d'Haïti (BRH) • 2023 • 333 pages

Resume — Le système bancaire en mars 2023 : actif total 700,5 milliards de gourdes, dépôts 577,4 milliards, prêts bruts 170,9 milliards, prêts improductifs 11,13 % 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 : 700,5 milliards de gourdes.
Dépôts totaux : 577,4 milliards de gourdes.
Portefeuille brut : 170,9 milliards de gourdes.
Prêts improductifs en part des prêts bruts : 11,13 %.
Banques déclarantes : 8.

Description Complete

État de supervision de la BRH pour le trimestre clos en mars 2023, déposé au titre du trimestre 2 de l'exercice 2023 : l'exercice haïtien se termine le 30 septembre, de sorte que ce trimestre se clôt en mars 2023. Le classeur compte 333 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 700,5 milliards de gourdes d'actif, 577,4 milliards de dépôts et 170,9 milliards de prêts bruts pour 8 banques. Il s'agit de l'édition définitive de la BRH pour ce trimestre.

Sujets

Geographie

Periode Couverte

2023-03 — 2023-03

Mots-cles

supervision bancaire, système bancaire, bilan, compte de résultat, ratios prudentiels, prêts improductifs, crédit par secteur, dépôts, BRH, Haïti, period:2023-03, 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 2 2023 (1er janvier au 31 mars 2023) [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 mars 2022 | 39 Ratios financiers clés décembre 2022 | 40 Ratios financiers clés septembre 2022 | 41 Ratios financiers clés juin 2022 | 42 Ratios financiers clés mars 2022 | 43 Ratios financiers clés décembre 2021 | 44 Ratios financiers clés septembre 2021 | 45 Ratios financiers clés juin 2021 | 46 Ratios financiers clés mars 2021 | 47 Ratios financiers clés décembre 2020 | 48 Ratios financiers clés septembre 2020 | 49 Ratios financiers clés juin 2020 | 50 Ratios financiers clés mars 2020 | 51 Ratios financiers clés décembre 2019 | 52 Bilan au 31 mars 2023 Gourdes et devises | 53 Devises seulement | 54 Gourdes seulement | 55 Bilan au 31 décembre 2022 | 56 Bilan au 30 septembre 2022 | 57 Bilan au 30 juin 2022 | 58 Bilan au 31 mars 2022 | 59 Bilan au 31 décembre 20201 | 60 Bilan au 30 septembre 2021 | 61 Bilan au 30 juin 2021 | 62 Bilan au 31 mars 2021 | 63 Bilan au 31 décembre 2020 | 64 Bilan au 30 septembre 2020 | 65 Bilan au 30 juin 2020 | 66 Bilan au 31 mars 2020 | 67 Bilan au 31 décembre 2019 | 68 Résultats (Trim. 2 2023/ Trim. 2 2022) | 69 Résultats (Cumul oct.-mars 23 / Cumul oct. -mars 22) | 70 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 72 BPH (Banque Populaire Haïtienne) | 78 BUH (Banque de l'Union Haïtienne) | 84 CAPITALBK (Capital Bank) | 90 CBNA (Citibank N.A.) | 96 SOGEBK (Société Générale Haïtienne de Banque) | 102 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 108 UNIBK (Unibank) | 114 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 121 Limites relatives à la concentration des risques de crédit | 122 Classification des prêts | 225 Suffisance des fonds propres | 191 ANNEXE 1 Information sur le calcul des ratios financiers clés | 193 [Noteutili] NOTE AUX UTILISATEURS Ce rapport a été préparé par la Direction de la Supervision de la Banque de la République d'Haïti (BRH) à partir des informations périodiques soumises par les établissements bancaires. Ce rapport ne constitue pas une analyse de la performance financière des établissements bancaires effectuée par la BRH. Toute conclusion tirée de ce rapport n'engage que l'utilisateur et ne saurait en aucune manière être attribuée à la BRH. Ce rapport comporte les cinq sections suivantes : Section 1 : Graphes et tableaux Section 2 : Sommaire financier (sommaire consolidé de l'ensemble des banques) Section 3 : Sommaire financier détaillé (sommaire détaillé banque par banque) Section 4 : Statistiques par banque ( données financières et indicateurs financiers banque par banque) Section 5 : Respect des normes prudentielles Les périodes TRIM 2 2023 et TRIM 2 2022 doivent être lues comme deuxième trimestre de l'exercice fiscal 2022-2023 (1er janvier au 31 mars 2023) et deuxième trimestre de l'exercice fiscal 2021-2022 (1er janvier au 31 mars 2022). Les périodes CUMUL 2023 et CUMUL 2022 doivent être lues respectivement comme période cumulative allant du 1er octobre au 31 mars 2023 et période cumulative allant du 1er octobre au 31 mars 2022. [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 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 Déc. 2022 | 855 | 127 | 479 | 1163 | 1350 | 820 | 76 | 20 | 0 | 4890 0 Mars 2023 | 842 | 127 | 480 | 1141 | 1335 | 798 | 71 | 20 | 0 | 4814 [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 Déc. 2022 | 29357 | 195 | 646 | 27991 | 11820 | 4518 | 436 | 1 | ** | 74964 Mars 2023 | 30560 | 191 | 618 | 25849 | 10658 | 4315 | 427 | 1 | ** | 72619 Mars98 | Juin 98 1327 | 1348 1050 | 1028 875 | 869 862 | 954 664 624 | 645 496 | 518 278 | 1539 171 | 186 103 12 | 22 0 | 636 0 0 | 2545 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Mars 2023 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 39039 | 3572 | 11217 | 26400 | 78874 | 12133 | 3866 | 132 | 175233 Épargne | 507655 | 13244 | 89605 | 640275 | 1226508 | 112493 | 3530 | 967 | 2594277 À Terme | 3418 | 116 | 814 | 10367 | 4497 | 637 | 714 | 5 | 20568 TOTAL | 550112 | 16932 | 101636 | 677042 | 1309879 | 125263 | 8110 | 1104 | 2790078 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Décembre 2022 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38741 | 3562 | 11038 | 26588 | 80162 | 11964 | 4024 | 132 | 176211 Épargne | 512637 | 13118 | 95181 | 625038 | 1215910 | 108273 | 3654 | 1029 | 2574840 À Terme | 3668 | 119 | 822 | 10511 | 4565 | 634 | 712 | 5 | 21036 TOTAL | 555046 | 16799 | 107041 | 662137 | 1300637 | 120871 | 8390 | 1166 | 2772087 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 [dépôts P-AU-P et Prov. ] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 31 Mars 2023 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 38049348.46386045 | 2030863.3050699998 | 16792257.638497442 | 19560948 | 58691569.03826001 | 89925348.18426995 | 4219091.84691 | 3483045 | 0 | 232752471.47686785 Épargne | 20213526.674214184 | 676991.94642 | 6179184.252095052 | 9528819 | 33554416.64202 | 60839686.28166 | 1347814.24676 | 924890 | 0 | 133265329.04316922 À terme | 10757337.768996516 | 2275004.68838 | 13629834.534841077 | 10098415 | 26100101.920780003 | 29345306.45325999 | 3685687.73972 | 4426 | 0 | 95896114.10597758 TOTAL | 69020212.90707116 | 4982859.93987 | 36601276.42543357 | 39188182 | 118346087.60106002 | 180110340.91918993 | 9252593.83339 | 4412361 | 0 | 461913914.62601465 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 31 Mars 2023 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 7967976.536113835 | N/A | 2023217.0224565861 | 1912724 | 9512248.71509 | 12473671.49176 | N/A | N/A | N/A | 33889837.76542042 Épargne | 19063632.32574595 | N/A | 3087410.4135060133 | 2533921 | 18744828.292380005 | 27802680.427089997 | N/A | N/A | N/A | 71232472.45872197 À terme | 2572874.2290493357 | N/A | 1291611.5411516563 | 511305 | 3969197.4282599995 | 2053849.9703299997 | N/A | N/A | N/A | 10398838.16879099 TOTAL | 29604483.090909123 | N/A | 6402238.9771142565 | 4957950 | 32226274.435730003 | 42330201.88918 | N/A | N/A | N/A | 115521148.39293338 | 0 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 31 Mars 2023 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 46017324.99997429 | 2030863.3050699998 | 18815474.66095403 | 21473672 | 68203817.75335002 | 102399019.67602995 | 4219091.84691 | 3483045 | 0 | 266642309.2422883 Épargne | 39277158.99996014 | 676991.94642 | 9266594.665601065 | 12062740 | 52299244.93440001 | 88642366.70875 | 1347814.24676 | 924890 | 0 | 204497801.5018912 À terme | 13330211.998045852 | 2275004.68838 | 14921446.075992733 | 10609720 | 30069299.34904 | 31399156.42358999 | 3685687.73972 | 4426 | 0 | 106294952.27476858 TOTAL | 98624695.99798028 | 4982859.93987 | 43003515.40254783 | 44146132 | 150572362.03679 | 222440542.80836993 | 9252593.83339 | 4412361 | 0 | 577435063.0189481 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 31 MARS 2023 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 17291566.8057771 | 142516.79717 | 776985.954143044 | 12244079.34516 | 2970071.47435 | 1287080 | 1707369.77875 | 3483045 | 39902715.15535014 Place Geffrard | 0 | 0 | 0 | 4493366.143309999 | 0 | 0 | 0 | 0 | 4493366.143309999 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée | 1680593.2556829562 | 0 | 0 | 2069320.43894 | 0 | 0 | 0 | 0 | 3749913.694622956 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1680593.2556829562 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1680593.2556829562 Delmas | 3283645.071751539 | 46965.74845 | 914159.1147136539 | 7287672.57724 | 15008442.317 | 1867707 | 1568684.10749 | 0 | 29977275.93664519 Delmas 52 | 1947148.353376616 | 0 | 0 | 0 | 0 | 0 | 0 | 1947148.353376616 Delmas 2 | 551180.913836356 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 551180.913836356 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1609946 | 0 | 0 | 1609946 Delmas 32 | 785315.8045385671 | 0 | 0 | 0 | 2107770.75661 | 0 | 0 | 0 | 2893086.561148567 0 | 0 | 0 | 0 | 0 | 257761 | 0 | 0 | 257761 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 1568684.10749 | 0 | 1568684.10749 Delmas 48 | 0 | 0 | 0 | 1384556.367 | 0 | 0 | 0 | 0 | 1384556.367 Delmas-Aéroport | 0 | 0 | 0 | 5903116.21024 | 0 | 0 | 0 | 0 | 5903116.21024 Delmas 16 | 0 | 0 | 0 | 0 | 4000645.4690500004 | 0 | 0 | 0 | 4000645.4690500004 Delmas 18 | 3413100.60764 | 3413100.60764 Delmas 71 | 0 | 0 | 0 | 0 | 5387759.43901 | 0 | 0 | 0 | 5387759.43901 Kiosque Mégamart | 0 | 0 | 0 | 0 | 2540.0729 | 0 | 0 | 0 | 2540.0729 Delmas 35 | 433279.210203483 Delmas 64 | 480879.904510171 Delmas 75 | 96625.97179000001 Pétion-Ville | 8111351.854813669 | 954184.60817 | 6537456.494300918 | 11813666.54218 | 33021214.39691 | 7075998 | 242414.77346000003 | 0 | 67756286.66983458 P-V 1 | 2758606.464108083 | 954184.60817 | 3233752.611225465 | 2988274.25975 | 17663679.91437 | 4779721 | 242414.77346000003 | 0 | 32620633.631083548 Place Boyer | 1851626.6019046872 | 0 | 201687.760067334 | 0 | 0 | 1163466 | 0 | 0 | 3216780.361972021 Choucoune Plaza | 2186146.6523006097 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2186146.6523006097 P-V 2 | 0 | 0 | 2662586.745230293 | 0 | 5902235.22403 | 1132811 | 0 | 0 | 9697632.969260294 P-V 3 | 1314972.13650029 | 0 | 0 | 5555643.51222 | 5683986.36264 | 0 | 0 | 0 | 12554602.01136029 P-V 4 | 0 | 0 | 0 | 3269748.77021 | 2124373.44752 | 0 | 0 | 0 | 5394122.217730001 Juvénat | 439429.377777826 | 1646939.4483500002 Lalue | 893251.7841197641 | 0 | 613715.611122585 | 1890608.9024600002 | 2082893.63938 | 0 | 0 | 0 | 5480469.93708235 Champs de Mars | 0 | 0 | 0 | 1447836.53266 | 0 | 0 | 0 | 0 | 1447836.53266 Laboule | 0 | 0 | 0 | 0 | 599668.0579400001 | 388379 | 0 | 0 | 988047.0579400001 Aéroport | 0 | 163895.74775 | 122373.75196540999 | 4106430.57344 | 2092750.93088 | 4374867 | 0 | 0 | 10860318.00403541 Aéroport 2 | 0 | 0 | 0 | 2539077.4538799995 | 0 | 375878 | 0 | 0 | 2914955.4538799995 Carrefour | 766221.682771758 | 0 | 484039.939069431 | 899440.2286500001 | 0 | 93803 | 0 | 0 | 2243504.850491189 Arcachon | 193689.11513807 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 193689.11513807 Carrefour | 572532.567633688 | 0 | 0 | 682797.36747 | 0 | 0 | 0 | 0 | 1255329.935103688 Truitiers | 0 | 0 | 0 | 216642.86117999998 | 0 | 0 | 0 | 0 | 216642.86117999998 Thor | 0 | 0 | 0 | 0 | 1499185.3849199999 | 0 | 0 | 0 | 1499185.3849199999 Diquini | 0 | 0 | 0 | 483497.014 | 0 | 77986 | 0 | 0 | 561483.014 Rue du Quai | 0 | 0 | 0 | 113944.72968 | 0 | 0 | 0 | 0 | 113944.72968 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 454052.2163900001 | 0 | 0 | 0 | 454052.2163900001 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 758792 | 0 | 0 | 758792 Parc Industriel | 2281853.4402800333 | 630039.4628 | 5739106.747897171 | 0 | 0 | 0 | 0 | 0 | 8650999.650977205 Varreux | 0 | 0 | 0 | 0 | 7763649.96962 | 249251 | 0 | 0 | 8012900.96962 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1107445.7946100002 | 0 | 0 | 0 | 1107445.7946100002 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 1569.295 | 0 | 0 | 0 | 1569.295 Canapé-Vert | 0 | 0 | 0 | 0 | 1508554.58871 | 0 | 0 | 0 | 1508554.58871 Rue Capois | 0 | 0 | 0 | 0 | 1244042.2191700002 | 0 | 0 | 0 | 1244042.2191700002 Damien | 280549.155423871 | 0 | 124528.75102896402 | 847150.7376100001 | 2978161.84935 | 0 | 0 | 0 | 4230390.493412835 Frères | 350335.461230842 | 0 | 491330.528003037 | 2813272.46544 | 2823784.9216 | 0 | 0 | 0 | 6478723.376273879 Portail Léogane | 0 | 0 | 0 | 148058.6467 | 352425.63482 | 0 | 0 | 0 | 500484.28151999996 Croix des Bossales | 0 | 0 | 0 | 0 | 62460.91126 | 0 | 0 | 0 | 62460.91126 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 1192393.5029 | 0 | 0 | 0 | 1192393.5029 Martissant | 0 | 0 | 0 | 678929.07188 | 1374632.7901700002 | 0 | 0 | 0 | 2053561.86205 Nazon | 0 | 0 | 0 | 0 | 348397.59844 | 0 | 0 | 0 | 348397.59844 Croix des Bouquets | 353701.774368472 | 0 | 0 | 173500.09877 | 968372.69879 | 0 | 0 | 0 | 1495574.571928472 Lathan | 0 | 0 | 0 | 928001.12452 | 592209.10247 | 0 | 0 | 0 | 1520210.2269899999 Turgeau | 721873.297808414 | 0 | 0 | 2912192.05176 | 4110634.65751 | 0 | 700623.18721 | 0 | 8445323.194288414 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 848405.553282027 | 93260.94073 | 765754.867485655 | 801524.3599800001 | 2556866.96661 | 1616126 | 0 | 0 | 6681938.688087682 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1238810.66924 | 0 | 0 | 0 | 1238810.66924 Avenue Christophe | 0 | 0 | 0 | 0 | 1524522.76432 | 0 | 0 | 0 | 1524522.76432 Autres succursales non précisées | 1185999.32655 | 0 | 222805.87876757002 | 0 | 448133.83191000007 | 1395081 | 0 | 0 | 3252020.03722757 TOTAL | 38049348.46386045 | 2030863.3050699998 | 16792257.63849744 | 58691569.03826 | 89925348.18427001 | 19560948 | 4219091.84691 | 3483045 | 232752471.4768679 0 VILLES DE PROVINCES Aquin | 161995.62189202 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 161995.62189202 | 0 Jacmel | 378499.80711037497 | 0 | 0 | 826907.55864 | 878409.3250699999 | 203751 | 0 | 0 | 2287567.690820375 Hinche | 581615.961530649 | 0 | 0 | 173077.72428999998 | 1155035.95076 | 183657 | 0 | 0 | 2093386.6365806488 Cap-Haïtien | 861076.697954636 | 0 | 772159.697860035 | 1815547.4073899998 | 2800409.4515 | 593816 | 0 | 0 | 6843009.254704671 Cap-Haïtien 1 | 861076.697954636 | 0 | 545534.009711827 | 1026922.73442 | 1814921.3273 | 533862 | 0 | 0 | 4782316.769386463 Cap-Haïtien 2 | 0 | 0 | 226625.688148208 | 788624.67297 | 985488.1242 | 59954 | 0 | 0 | 2060692.4853182079 Cayes | 1310009.363623293 | 0 | 206319.530823022 | 1343749.62234 | 1876775.5532300002 | 511616 | 0 | 0 | 5248470.070016315 Cayes 1 | 1016730.241413003 | 0 | 206319.530823022 | 0 | 1478341.5340500001 | 0 | 0 | 0 | 2701391.306286025 Cayes 2 | 293279.12221028993 | 0 | 0 | 0 | 398434.01918 | 0 | 0 | 0 | 691713.1413902899 Cabaret | 461428.796407985 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 461428.796407985 Cap Saint-Michel | 0 | 0 | 0 | 216041.20643000002 | 0 | 0 | 0 | 0 | 216041.20643000002 Ouanaminthe | 137244.00505800598 | 0 | 79935.83050091998 | 228006.72444000002 | 273678.03432 | 0 | 0 | 0 | 718864.594318926 Fort-Liberté | 280200.31571397197 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 280200.31571397197 Gonaïves | 591416.69384899 | 0 | 198127.829521462 | 791235.3115399998 | 1007446.7325400001 | 207273 | 0 | 0 | 2795499.567450452 Port-de-Paix | 522668.380770131 | 0 | 174483.095851356 | 230189.88820000004 | 625228.90095 | 0 | 0 | 0 | 1552570.265771487 Petit-Goave | 220066.008882144 | 0 | 0 | 170204.15611999997 | 398544.82638 | 0 | 0 | 0 | 788814.9913821439 Miragoane | 311058.68296889495 | 0 | 0 | 291233.45014 | 295081.25801 | 0 | 0 | 0 | 897373.3911188949 Mirebalais | 0 | 0 | 0 | 596507.0401 | 615516.28603 | 0 | 0 | 0 | 1212023.32613 Jérémie | 461050.674442644 | 0 | 0 | 533416.63718 | 527711.9677 | 0 | 0 | 0 | 1522179.279322644 La Gonave | 0 | 0 | 0 | 0 | 133616.58148999998 | 0 | 0 | 0 | 133616.58148999998 Léogane | 608089.065450799 | 0 | 0 | 617856.2683100001 | 310164.09421 | 0 | 0 | 0 | 1536109.427970799 Fonds-des-Nègres | 92712.98116157501 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 92712.98116157501 Limbé | 0 | 0 | 0 | 0 | 112649.02691 | 0 | 0 | 0 | 112649.02691 Vertières | 194680.169454958 | 0 | 0 | 161052.91919999997 | 341953.40368 | 85931 | 0 | 0 | 783617.4923349579 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 4572.8124328720005 St-Marc | 458864.98950471403 | 0 | 592191.037899791 | 1517222.80077 | 1121450.09898 | 126680 | 0 | 0 | 3816408.9271545056 Belladerre | 330725.507905177 TOTAL | 7967976.536113835 | 0 | 2023217.0224565861 | 9512248.715090001 | 12473671.491760002 | 1912724 | 0 | 0 | 33889837.76542042 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 | 46017324.99997429 | 2030863.3050699998 | 18815474.660954025 | 68203817.75335 | 102399019.67603001 | 21473672 | 4219091.84691 | 3483045 | 266642309.24228835 0 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 MARS 2023 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 3038716.82724543 | 174086.87816000002 | 310754.970392901 | 3270650.8551 | 2880421.2654899997 | 1180453 | 546309.2802 | 924890 | 12326283.07658833 Place Geffrard | 0 | 0 | 0 | 3484128.03948 | 0 | 0 | 0 | 0 | 3484128.03948 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 1291634.765326569 | 0 | 0 | 1245371.7859 | 0 | 0 | 0 | 0 | 2537006.5512265693 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1291634.765326569 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1291634.765326569 Delmas | 3392080.5219610017 | 88525.87216999999 | 471096.82639362395 | 2701484.69565 | 9245118.37221 | 1394007 | 362546.09683999995 | 0 | 17654859.385224625 Delmas 52 | 1391571.3707005891 | 0 | 0 | 0 | 0 | 0 | 0 | 1391571.3707005891 Delmas 2 | 1203873.4761837667 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1203873.4761837667 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 991198 | 0 | 0 | 991198 Delmas 32 | 796635.675076646 | 0 | 0 | 0 | 3986923.81199 | 0 | 0 | 0 | 4783559.487066646 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 402809 | 0 | 0 | 402809 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 362546.09683999995 | 0 | 362546.09683999995 Delmas 48 | 0 | 0 | 0 | 1000904.83845 | 0 | 0 | 0 | 0 | 1000904.83845 Delmas-Aéroport | 0 | 0 | 0 | 1700579.8572 | 0 | 0 | 0 | 0 | 1700579.8572 Delmas 16 | 0 | 0 | 0 | 0 | 1815348.5909499999 | 0 | 0 | 0 | 1815348.5909499999 Delmas 18 | 653547.74236 | 653547.74236 Delmas 71 | 0 | 0 | 0 | 0 | 2571081.75974 | 0 | 0 | 0 | 2571081.75974 Kiosque Mégamart | 0 | 0 | 0 | 0 | 32014.20729 | 0 | 0 | 0 | 32014.20729 Delmas 35 | 231368.263124056 Delmas 64 | 239728.563269568 Delmas 75 | 186202.25988 Pétion-Ville | 4202581.840396932 | 137644.01402 | 2562484.015334461 | 5163279.630410001 | 9956416.38615 | 2682073 | 30819.340150000004 | 0 | 24735298.226461396 P-V 1 | 1781370.4948433351 | 137644.01402 | 1330792.718714003 | 1776014.26692 | 4950087.0409200005 | 1222034 | 30819.340150000004 | 0 | 11228761.87556734 Place Boyer | 1025041.727092625 | 0 | 194752.390341927 | 0 | 0 | 658073 | 0 | 0 | 1877867.117434552 Choucoune Plaza | 1303519.392658711 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1303519.392658711 P-V 2 | 0 | 0 | 692924.3997185639 | 0 | 2490190.98111 | 801966 | 0 | 0 | 3985081.380828564 P-V 3 | 92650.22580226099 | 0 | 0 | 2352004.21949 | 1567510.2592700003 | 0 | 0 | 0 | 4012164.7045622612 P-V 4 | 0 | 0 | 0 | 1035261.144 | 700369.9652000001 | 0 | 0 | 0 | 1735631.1092 Juvénat | 344014.506559967 | 248258.13965 Lalue | 1305360.982674782 | 0 | 546709.039531079 | 1729258.99672 | 2636855.03837 | 0 | 0 | 0 | 6218184.057295861 Champs de Mars | 0 | 0 | 0 | 972507.26671 | 0 | 0 | 0 | 0 | 972507.26671 Laboule | 0 | 0 | 0 | 0 | 898510.10282 | 701318 | 0 | 0 | 1599828.1028200001 Aéroport | 0 | 121050.51392 | 74516.04911034 | 1040534.9364100001 | 1033732.42863 | 670176 | 0 | 0 | 2940009.9280703403 Aéroport 2 | 0 | 0 | 0 | 1157602.0295799999 | 0 | 210261 | 0 | 0 | 1367863.0295799999 Carrefour | 1670757.725792925 | 0 | 363431.245402411 | 2891010.7333500003 | 0 | 561737 | 0 | 0 | 5486936.704545336 Arcachon | 885826.4176138771 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 885826.4176138771 Carrefour | 784931.308179048 | 0 | 0 | 1739097.15222 | 0 | 0 | 0 | 0 | 2524028.460399048 Truitiers | 0 | 0 | 0 | 1151913.58113 | 0 | 0 | 0 | 0 | 1151913.58113 Thor | 0 | 0 | 0 | 0 | 3834106.6386200003 | 0 | 0 | 0 | 3834106.6386200003 Diquini | 0 | 0 | 0 | 1090118.2734400001 | 0 | 344108 | 0 | 0 | 1434226.2734400001 Rue du Quai | 0 | 0 | 0 | 330938.87542 | 0 | 0 | 0 | 0 | 330938.87542 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 287770.34433000005 | 0 | 0 | 0 | 287770.34433000005 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 746004 | 0 | 0 | 746004 Parc Industriel | 1125871.6128811932 | 91221.63954999999 | 784035.7759431379 | 0 | 0 | 0 | 0 | 0 | 2001129.028374331 Varreux | 0 | 0 | 0 | 0 | 2475453.33719 | 123808 | 0 | 0 | 2599261.33719 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1508924.08332 | 0 | 0 | 0 | 1508924.08332 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 88793.81344 | 0 | 0 | 0 | 88793.81344 Canapé-Vert | 0 | 0 | 0 | 0 | 1460352.5656700002 | 0 | 0 | 0 | 1460352.5656700002 Rue Capois | 0 | 0 | 0 | 0 | 2267093.93191 | 0 | 0 | 0 | 2267093.93191 Damien | 785185.6899241 | 0 | 120008.520374395 | 1180376.63101 | 2561121.77756 | 0 | 0 | 0 | 4646692.618868494 Frères | 458716.91783414397 | 0 | 297417.84440786997 | 1469431.9049099998 | 2901430.7666399996 | 0 | 0 | 0 | 5126997.433792014 Portail Léogane | 0 | 0 | 0 | 398044.70239 | 1229930.54624 | 0 | 0 | 0 | 1627975.24863 Croix des Bossales | 0 | 0 | 0 | 0 | 477637.16522 | 0 | 0 | 0 | 477637.16522 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 845150.93102 | 0 | 0 | 0 | 845150.93102 Martissant | 0 | 0 | 0 | 730944.23496 | 1648672.56148 | 0 | 0 | 0 | 2379616.7964399997 Nazon | 0 | 0 | 0 | 0 | 1174204.38882 | 0 | 0 | 0 | 1174204.38882 Croix des Bouquets | 1177448.5495579692 | 0 | 0 | 864578.2877699999 | 2381735.71769 | 0 | 0 | 0 | 4423762.555017969 Lathan | 0 | 0 | 0 | 1249863.7039 | 1549669.0853900001 | 0 | 0 | 0 | 2799532.78929 Turgeau | 1028492.646171141 | 0 | 0 | 1889845.17636 | 2731523.1321300003 | 0 | 408139.52957 | 0 | 6058000.484231141 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 736678.5944479969 | 64463.028600000005 | 451229.1550087071 | 694445.88255 | 2276270.41837 | 800413 | 0 | 0 | 5023500.078976704 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 695765.23557 | 0 | 0 | 0 | 695765.23557 Avenue Christophe | 0 | 0 | 0 | 0 | 1129608.18183 | 0 | 0 | 0 | 1129608.18183 Autres succursales non précisées | 0 | 0 | 197500.810196126 | 0 | 663418.0655499999 | 114461 | 0 | 0 | 975379.8757461259 TOTAL | 20213526.674214184 | 676991.9464199999 | 6179184.252095052 | 33554416.64202 | 60839686.281660005 | 9528819 | 1347814.24676 | 924890 | 133265329.04316923 VILLES DE PROVINCES Aquin | 1589973.072603605 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1589973.072603605 Jacmel | 880480.497959663 | 0 | 0 | 1474154.15629 | 1672013.1221200002 | 274184 | 0 | 0 | 4300831.776369663 Hinche | 761140.4607781959 | 0 | 0 | 344002.46498000005 | 676737.86272 | 393545 | 0 | 0 | 2175425.788478196 Cap-Haïtien | 1627016.612407448 | 0 | 999168.771739214 | 4090592.8906800007 | 5551155.55897 | 590365 | 0 | 0 | 12858298.833796661 Cap-Haïtien 1 | 1627016.612407448 | 0 | 833128.462894408 | 2814245.3104300005 | 2750768.79156 | 492126 | 0 | 0 | 8517285.177291855 Cap-Haïtien 2 | 0 | 0 | 166040.308844806 | 1276347.58025 | 2800386.76741 | 98239 | 0 | 0 | 4341013.656504806 Cayes | 1725736.559657099 | 0 | 552771.972056158 | 1878860.56671 | 3749345.78367 | 471512 | 0 | 0 | 8378226.882093256 Cayes 1 | 1308532.895929713 | 0 | 552771.972056158 | 0 | 2759123.5598599995 | 0 | 0 | 0 | 4620428.427845871 Cayes 2 | 417203.663727386 | 0 | 0 | 0 | 990222.2238100001 | 0 | 0 | 0 | 1407425.887537386 Cabaret | 1399890.7665962032 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1399890.7665962032 Cap Saint-Michel | 0 | 0 | 0 | 893221.61869 | 0 | 0 | 0 | 0 | 893221.61869 Ouanaminthe | 254974.25706900298 | 0 | 280434.440003862 | 660950.96773 | 758668.2908600001 | 0 | 0 | 0 | 1955027.9556628652 Fort-Liberté | 518636.08016872895 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 518636.08016872895 Gonaïves | 1565686.2498054449 | 0 | 596007.764856199 | 1935286.6571900002 | 2836844.35122 | 380721 | 0 | 0 | 7314546.023071644 Port-de-Paix | 1500308.370864087 | 0 | 465243.035708864 | 888994.1475900001 | 1543234.55414 | 0 | 0 | 0 | 4397780.108302951 Petit-Goave | 805970.712138984 | 0 | 0 | 724342.0935 | 977633.1586800001 | 0 | 0 | 0 | 2507945.964318984 Miragoane | 576800.469768243 | 0 | 0 | 933810.71202 | 1197122.39359 | 0 | 0 | 0 | 2707733.575378243 Mirebalais | 0 | 0 | 0 | 936987.63983 | 1073948.1932899999 | 0 | 0 | 0 | 2010935.8331199999 Jérémie | 695342.0643833871 | 0 | 0 | 596146.8897599999 | 881022.2911800001 | 0 | 0 | 0 | 2172511.245323387 La Gonave | 0 | 0 | 0 | 0 | 1079310.7718 | 0 | 0 | 0 | 1079310.7718 Léogane | 1522594.295148754 | 0 | 0 | 1155143.4630699998 | 828620.4522599999 | 0 | 0 | 0 | 3506358.210478754 Fonds-des-Nègres | 866125.567139587 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 866125.567139587 Limbé | 0 | 0 | 0 | 0 | 1093444.00676 | 0 | 0 | 0 | 1093444.00676 Vertières | 413009.272232023 | 0 | 0 | 247615.54064 | 1448691.00903 | 164174 | 0 | 0 | 2273489.821902023 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 14620.851534945998 St-Marc | 2004141.200164895 | 0 | 193784.429141716 | 1984718.4836999997 | 2434888.6268 | 259420 | 0 | 0 | 6876952.739806611 Belladerre | 341184.965325656 TOTAL | 19063632.325745955 | 0 | 3087410.4135060133 | 18744828.29238 | 27802680.42709 | 2533921 | 0 | 0 | 71232472.45872197 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 | 39277158.99996014 | 676991.9464199999 | 9266594.665601065 | 52299244.9344 | 88642366.70875001 | 12062740 | 1347814.24676 | 924890 | 204497801.5018912 0 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 MARS 2023 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1209163.59035452 | 148591.69283 | 93776.245595217 | 12493958.385300001 | 7737818.80527 | 3871318 | 2010956.20418 | 4426 | 27570008.923529737 Place Geffrard | 0 | 0 | 0 | 628846.41686 | 0 | 0 | 0 | 0 | 628846.41686 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 142143.12565944702 | 0 | 0 | 387506.04062 | 0 | 0 | 0 | 0 | 529649.166279447 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 142143.12565944702 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 142143.12565944702 Delmas | 925377.425936451 | 824.58694 | 1365862.62126317 | 2352026.39253 | 1742418.67302 | 446557 | 1054279.07046 | 0 | 7887345.770149621 Delmas 52 | 576741.590086217 | 0 | 0 | 0 | 0 | 0 | 0 | 576741.590086217 Delmas 2 | 244608.878503779 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 244608.878503779 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 249621 | 0 | 0 | 249621 Delmas 32 | 104026.957346455 | 0 | 0 | 0 | 647577.82477 | 0 | 0 | 0 | 751604.7821164549 Delmas 55 | 0 | 0 | 0 | 0 | 0 | 196936 | 0 | 0 | 196936 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 1054279.07046 | 0 | 1054279.07046 Delmas 48 | 0 | 0 | 0 | 388484.76927 | 0 | 0 | 0 | 0 | 388484.76927 Delmas-Aéroport | 0 | 0 | 0 | 1963541.62326 | 0 | 0 | 0 | 0 | 1963541.62326 Delmas 16 | 0 | 0 | 0 | 0 | 298422.28643 | 0 | 0 | 0 | 298422.28643 Delmas 18 | 129242.99197 | 129242.99197 Delmas 71 | 0 | 0 | 0 | 0 | 654364.04743 | 0 | 0 | 0 | 654364.04743 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 616312.6482785019 Delmas 64 | 749549.972984668 Delmas 75 | 12811.52242 Pétion-Ville | 5761727.940757655 | 2124786.4982700003 | 7118339.414786717 | 3416669.2573599997 | 11514407.670260001 | 2085012 | 256426.47495000006 | 0 | 32277369.256384373 P-V 1 | 234838.99122950202 | 2124786.4982700003 | 2371044.4901404507 | 2159556.82376 | 4072382.76136 | 931517 | 256426.47495000006 | 0 | 12150553.039709954 Place Boyer | 306384.566618657 | 0 | 509380.608182062 | 0 | 0 | 275974 | 0 | 0 | 1091739.174800719 Choucoune Plaza | 1639693.026753795 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1639693.026753795 P-V 2 | 0 | 0 | 3405091.9889956713 | 0 | 5223907.04241 | 877521 | 0 | 0 | 9506520.031405672 P-V 3 | 3580811.3561557 | 0 | 0 | 892727.54577 | 2083184.47552 | 0 | 0 | 0 | 6556723.3774457 P-V 4 | 0 | 0 | 0 | 364384.88783 | 53789.90829 | 0 | 0 | 0 | 418174.79612 Juvénat | 832822.3274685331 | 81143.48268 Lalue | 62789.06119116 | 0 | 75852.77324943 | 749803.654 | 488137.11425 | 0 | 0 | 0 | 1376582.60269059 Champs de Mars | 0 | 0 | 0 | 589007.47208 | 0 | 0 | 0 | 0 | 589007.47208 Laboule | 0 | 0 | 0 | 0 | 150514.41893 | 88039 | 0 | 0 | 238553.41893 Aéroport | 0 | 301.49938 | 231950.200212163 | 1518561.6243399999 | 69639.12667 | 1096360 | 0 | 0 | 2916812.4506021626 Aéroport 2 | 0 | 0 | 0 | 372616.86204 | 0 | 71069 | 0 | 0 | 443685.86204 Carrefour | 243261.30923598603 | 0 | 1099465.267252813 | 1404306.37449 | 0 | 183164 | 0 | 0 | 2930196.9509787993 Arcachon | 101773.27557656499 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 101773.27557656499 Carrefour | 141488.03365942102 | 0 | 0 | 1332193.9671800002 | 0 | 0 | 0 | 0 | 1473682.000839421 Truitiers | 0 | 0 | 0 | 72112.40731000001 | 0 | 0 | 0 | 0 | 72112.40731000001 Thor | 0 | 0 | 0 | 0 | 453779.21585 | 0 | 0 | 0 | 453779.21585 Diquini | 0 | 0 | 0 | 206829.91332 | 0 | 56948 | 0 | 0 | 263777.91332 Rue du Quai | 0 | 0 | 0 | 33518.303530000005 | 0 | 0 | 0 | 0 | 33518.303530000005 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 31484.986719999997 | 0 | 0 | 31484.986719999997 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 1196623 | 0 | 0 | 1196623 Parc Industriel | 905105.1299983351 | 500.41096 | 3516875.083442913 | 0 | 0 | 0 | 0 | 0 | 4422480.624401248 Varreux | 0 | 0 | 0 | 0 | 859713.5864500001 | 12030 | 0 | 0 | 871743.5864500001 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 745766.7112799999 | 0 | 0 | 0 | 745766.7112799999 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 779.1440200000001 | 0 | 0 | 0 | 779.1440200000001 Canapé-Vert | 0 | 0 | 0 | 0 | 17141.61765 | 0 | 0 | 0 | 17141.61765 Rue Capois | 0 | 0 | 0 | 0 | 53401.74043 | 0 | 0 | 0 | 53401.74043 Damien | 286870.02661617805 | 0 | 0 | 271561.73170999996 | 570805.6727100001 | 0 | 0 | 0 | 1129237.431036178 Frères | 177235.167896906 | 0 | 60582.208453135994 | 423805.91189 | 787607.71764 | 0 | 0 | 0 | 1449231.005880042 Portail Léogane | 0 | 0 | 0 | 104593.96314 | 37811.98132 | 0 | 0 | 0 | 142405.94446 Croix des Bossales | 0 | 0 | 0 | 0 | 255.61156 | 0 | 0 | 0 | 255.61156 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 10480.61506 | 0 | 0 | 0 | 10480.61506 Martissant | 0 | 0 | 0 | 187360.00268 | 97931.37908 | 0 | 0 | 0 | 285291.38176 Nazon | 0 | 0 | 0 | 0 | 102245.98714 | 0 | 0 | 0 | 102245.98714 Croix des Bouquets | 199776.91707719202 | 0 | 0 | 138924.87367000003 | 166420.83043 | 0 | 0 | 0 | 505122.6211771921 Lathan | 0 | 0 | 0 | 144865.3007 | 154778.66887999998 | 0 | 0 | 0 | 299643.96958 Turgeau | 611632.4146150689 | 0 | 0 | 545472.96569 | 1782709.8776200002 | 0 | 364025.99013 | 0 | 3303841.248055069 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 232255.65965761797 | 0 | 39278.430590755 | 129866.47482999999 | 265018.34721 | 487103 | 0 | 0 | 1153521.9122883729 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 166692.37928999998 | 0 | 0 | 0 | 166692.37928999998 Avenue Christophe | 0 | 0 | 0 | 0 | 223551.97189 | 0 | 0 | 0 | 223551.97189 Autres succursales non précisées | 0 | 0 | 27852.289994763 | 0 | 1113992.60263 | 504192 | 0 | 0 | 1646036.892624763 TOTAL | 10757337.768996516 | 2275004.68838 | 13629834.534841077 | 26100101.920780003 | 29345306.45326001 | 10098415 | 3685687.73972 | 4426 | 95896114.1059776 VILLES DE PROVINCES Aquin | 207570.402409739 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 207570.402409739 Jacmel | 101867.060985091 | 0 | 0 | 105217.20425 | 66739.7561 | 0 | 0 | 0 | 273824.021335091 Hinche | 135268.11267153698 | 0 | 0 | 70981.95712 | 16934.06937 | 21608 | 0 | 0 | 244792.139161537 Cap-Haïtien | 347830.45083223097 | 0 | 130668.92767033202 | 1676987.0565499999 | 452493.88124 | 68306 | 0 | 0 | 2676286.316292563 Cap-Haïtien 1 | 347830.45083223097 | 0 | 130209.98508033202 | 819300.89428 | 213913.62472 | 68306 | 0 | 0 | 1579560.954912563 Cap-Haïtien 2 | 0 | 0 | 458.94259000000005 | 857686.16227 | 238580.25652 | 0 | 0 | 0 | 1096725.36138 Cayes | 186740.622519794 | 0 | 31533.012480525 | 280937.63021 | 141203.59203 | 4286 | 0 | 0 | 644700.857240319 Cayes 1 | 131293.121404042 | 0 | 31533.012480525 | 0 | 105140.39981999999 | 0 | 0 | 0 | 267966.533704567 Cayes 2 | 55447.501115752 | 0 | 0 | 0 | 36063.19221 | 0 | 0 | 0 | 91510.693325752 Cabaret | 45140.731168229 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 45140.731168229 Cap Saint-Michel | 0 | 0 | 0 | 169957.77185 | 0 | 0 | 0 | 0 | 169957.77185 Ouanaminthe | 1843.180986075 | 0 | 11488.162682549 | 3491.78008 | 24727.99869 | 0 | 0 | 0 | 41551.122438624 Fort-Liberté | 14179.978178022 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14179.978178022 Gonaïves | 161234.327252404 | 0 | 56808.515795663 | 126008.91979 | 254525.40501000002 | 6850 | 0 | 0 | 605427.167848067 Port-de-Paix | 92377.557247628 | 0 | 796316.373619876 | 116265.49879 | 253454.81844 | 0 | 0 | 0 | 1258414.248097504 Petit-Goave | 45909.408045065 | 0 | 0 | 58900.06707 | 53730.8161 | 0 | 0 | 0 | 158540.291215065 Miragoane | 46443.277378379 | 0 | 0 | 110038.89769 | 65646.09495 | 0 | 0 | 0 | 222128.270018379 Mirebalais | 0 | 0 | 0 | 160936.98630000002 | 40187.59372999999 | 0 | 0 | 0 | 201124.58003 Jérémie | 59904.78381324 | 0 | 0 | 37641.687439999994 | 35372.29515 | 0 | 0 | 0 | 132918.76640323998 La Gonave | 0 | 0 | 0 | 0 | 39477.766630000006 | 0 | 0 | 0 | 39477.766630000006 Léogane | 194020.056072767 | 0 | 0 | 355440.67593 | 106785.82093 | 0 | 0 | 0 | 656246.5529327671 Fonds-des-Nègres | 89717.114562257 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 89717.114562257 Limbé | 0 | 0 | 0 | 0 | 48675.016630000006 | 0 | 0 | 0 | 48675.016630000006 Vertières | 470028.56287306704 | 0 | 0 | 270710.4158 | 273603.94626999996 | 410118 | 0 | 0 | 1424460.9249430671 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 0 St-Marc | 334515.60506634496 | 0 | 264796.54890271096 | 425680.87938999996 | 180291.09906 | 137 | 0 | 0 | 1205421.1324190558 Belladerre | 38282.996987466 | 38282.996987466 TOTAL | 2572874.229049336 | 0 | 1291611.541151656 | 3969197.42826 | 2053849.9703299997 | 511305 | 0 | 0 | 10398838.168790994 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 | 13330211.998045852 | 2275004.68838 | 14921446.075992733 | 30069299.34904 | 31399156.42359001 | 10609720 | 3685687.73972 | 4426 | 106294952.27476859 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 682756010.7690928 | 0.025959440017468274 | 700479974.477219 | 0 | 0 | 0 | 0 | 0.14794722054919796 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705 | -0.06730737764893079 | 401945075.24158365 Bons B.R.H. | 900000 | -0.2222222222222222 | 700000 | 0 | 0 | 0 | 0 | -0.125 | 800000 | -0.8688524590163934 | 6100000 | 0.5061728395061729 | 4050000 | 1.201086956521739 | 1840000 Prêts Nets | 162727967.45292908 | -0.01935295271194992 | 159578700.79390082 | 0 | 0 | 0 | 0 | 0.06731425655672209 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012 | -0.13732603248487774 | 124751434.68466097 Dépôts | 564139666.708994 | 0.023567561541160263 | 577435063.0219679 | 0 | 0 | 0 | 0 | 0.15445152546083674 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615 | -0.09521631559106729 | 324498235.4560933 Avoir des Actionnaires | 48779470.37534565 | 0.05026519758593966 | 51231380.09189989 | 0 | 0 | 0 | 0 | 0.134888952850537 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 | 0.15092665615592596 | 34802646.32275001 | 0.030181524583940307 | 33783023.178178005 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 5187691.318052313 | 0.3833350367965119 | 3750133.6842200006 | 5452440.7093121745 | 0.3968485708827286 | 3903387.1122240135 | 0 | 0 | 3985999.7479934786 | 0 | 0 | 4878413.54444698 | 10640132.027364489 | 0.390227100749255 | 7653520.796444013 Autres revenus | 5292086.362040338 | 0.5878619980091252 | 3332837.7205800004 | 4800344.09542671 | 0.3021297310765507 | 3686532.90134 | 0 | 0 | 4753159.249690001 | 0 | 0 | 4241646.043024171 | 10092430.45746705 | 0.4377970620258372 | 7019370.62192 Dot. à la provision pr créances douteuses | 921600.13689 | 0.2539836708713288 | 734937.9089200001 | 628348.5759041249 | 1.760136256375726 | 227651.28875528614 | 0 | 0 | 482862.27042682347 | 0 | 0 | 1019952.6026021984 | 1549948.7127941248 | 0.6101871042572979 | 962589.1976752862 Dépenses d'exploitation | 5328579.889715601 | 0.21546842978629646 | 4383972.2687429 | 6000261.475698506 | 0.2563779374229981 | 4775841.1676711375 | 0 | 0 | 4904257.985099652 | 0 | 0 | 5513263.137406368 | 11328841.365414107 | 0.23679826494907522 | 9159813.436414037 Bénéfice net | 3582545.0997885396 | 1.0785743169219322 | 1723558.8213626014 | 2985369.619761673 | 0.32929564263647837 | 2245828.1844967124 | 0 | 0 | 2787074.597902915 | 0 | 0 | 2339155.1291517336 | 6567914.719550215 | 0.6546420668619986 | 3969387.0058593135 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumul) Structure financière Avoir des actionnaires en % de l'actif | 0.07144495193883076 | 0.07949144992126933 | 0.07313753705826466 | 0.07717527162035406 | 0 | 0.0733200844966198 | 0 | 0.07397907273039252 | 0.07144495193883076 | 0.07949144992126933 | 0.07397907273039252 | 0.07699229990709759 | 0.09283398954376826 | 0.08404885458012684 Dépôts en % de l'actif | 0.8262683269144961 | 0.8133602695771747 | 0.8243419998593368 | 0.8116579485690781 | 0 | 0.8250024352247319 | 0 | 0.8196975677629654 | 0.8262683269144961 | 0.8133602695771747 | 0.8196975677629654 | 0.8146924700293188 | 0.7831624325968863 | 0.807319844038537 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.10937447262631271 | 0.06338908023632309 | 0.11134241262413323 | 0.07821643026021918 | 0 | 0.08670257284697762 | 0 | 0.06674650919428594 | 0.10937447262631271 | 0.06338908023632309 | 0.06674650919428594 | 0.0560625008532209 | 0.05048908872771796 | 0.06535921843623994 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.5723920608954656 | 0.9646658405485288 | 0.5959985117322967 | 0.7784233070167529 | 0 | 0.7130101873543241 | 0 | 0.8951093289409422 | 0.5723920608954656 | 0.9646658405485288 | 0.8951093289409422 | 1.0311341084197292 | 1.0536617311481398 | 0.46572376763467743 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.16644250960435622 | 0.00743532747544858 | 0.15007314071472166 | 0.05933391971191285 | 0 | 0.08742236781864827 | 0 | 0.02466152296339713 | 0.16644250960435622 | 0.00743532747544858 | 0.02466152296339713 | -0.006033336650386162 | -0.008848776197957842 | 0.13299789206400983 Rentabilité ROA (rendement de l'actif) | 0.02216650120420597 | 0.013096028231539896 | 0.01726600320757312 | 0.01659668054618359 | 0 | 0.01960286328009687 | 0 | 0.015624342420439719 | 0.020044262773374892 | 0.015010581988141144 | 0.01609198724553268 | 0.018894056402956595 | 0.011456388140477728 | 0.018724146924643456 ROE ( rendement avoir des action.) | 0.30515174781371207 | 0.16734735504996048 | 0.2388036582682123 | 0.21192250171600405 | 0 | 0.2607318561462673 | 0 | 0.21212636399758728 | 0.2726023025487639 | 0.19472432438206577 | 0.2135184205617245 | 0.22593275500188215 | 0.12976089651586392 | 0.2169808833566835 Revenus nets d'intérêts en % des revenus d'intérêt | 0.8544615134988002 | 0.8271758363739855 | 0.8433257412122186 | 0.8338718686867325 | 0 | 0.8309495561201606 | 0 | 0.8511384415908967 | 0.8487185952088453 | 0.8307085322767712 | 0.8366368653542322 | 0.8238534845742289 | 0.7704450787600935 | 0.7739859225582887 Rendement moyen des prêts | 0.0980052777411061 | 0.09803521651405525 | 0.09902695412768145 | 0.09714005892755889 | 0 | 0.09493324173103872 | 0 | 0.10574974405269066 | 0.10110162161747979 | 0.09712620089769183 | 0.09757312636359047 | 0.10019938664732281 | 0.11306702887653855 | 0.11640768542321629 Rendement moyen des prêts productifs | 0.10757928235406083 | 0.10426541955573582 | 0.11131011462910598 | 0.10455576890913622 | 0 | 0.10347465223038338 | 0 | 0.11450698321833018 | 0.11108226593021706 | 0.1041463505976893 | 0.10399743464962523 | 0.10586862841677029 | 0.12007769396051457 | 0.12220968811849597 Rémunération moyenne des dépôts | 0.006641663137465678 | 0.007313623001071259 | 0.007098701005154455 | 0.007073090556819826 | 0 | 0.0069679383527784305 | 0 | 0.006930643374757184 | 0.0070398703770972225 | 0.007170701316965 | 0.006981018553340822 | 0.0083099864925933 | 0.013334542446873971 | 0.013043243209962358 Dépenses d'exploitation en % du produit net bancaire | 0.5084630659520337 | 0.6189453575616529 | 0.5852323627162406 | 0.6292347164576425 | 0 | 0.5611819153764842 | 0 | 0.6045205170567433 | 0.5464274555401711 | 0.6245326995091792 | 0.6017849612829476 | 0.5855856691805337 | 0.7006410517279876 | 0.6172109710663901 (marge nette d'int.+autres revenus) Productivité par employé ('000 gdes) | 1340.2 | 1340.2 | 0 | 1340.2 | 0 | 1340.2 | 0 | 1340.2 | 8541.585120952328 | 6113.017010262304 | 6722.204773947442 | 5709.007071960184 | 4869.394611425701 | 4924.278001179502 Productivité par Employé ('000 gdes) | 8568.034894301605 | 5940.221327015412 | 8452.419459801224 | 6354.721099791952 | 0 | 7210.527225811453 | 0 | 7451.790082705464 | 8541.585120952328 | 6113.017010262304 | 6722.204773947442 | 5709.007071960184 | 4869.394611425701 | 4924.278001179502 Nombre de succursales autorisées | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 139 A partir du Trim 2 1998, les prêts improductifs désignent les prêts dont le principal ou les intérêts sont dus et impayés depuis 90 jours ou plus. Avant cette date, ce rapport considérait les prêts échus depuis plus de 15 jours. [partdemarc. ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage) AU 31 Mars 2023 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 262432974.8710572 | 0.37464736242733526 | 1 | UNIBK | 58786577.7385 | 0.34394004542711903 | 1 | UNIBK | 222440542.80938613 | 0.3852217453600036 | 1 | UNIBK | 175969281.39911616 | 0.4190009741015519 | 1 SOGEBK | 181715415.53643 | 0.259415575259018 | 2 | SOGEBK | 45495817.38686 | 0.26618037825550434 | 2 | SOGEBK | 150572362.03678524 | 0.2607606840651048 | 2 | SOGEBK | 113567580.45952526 | 0.2704161002451901 | 2 BNC | 125457686.00213 | 0.17910245913277018 | 3 | BNC | 24123925 | 0.14114078722678378 | 3 | BNC | 98624696 | 0.1707978997393304 | 3 | BNC | 50907389 | 0.12121573385065698 | 3 CAPITALBK | 54378964 | 0.07763100442747706 | 4 | BUH | 18404441.470837764 | 0.10767805643829967 | 4 | CAPITALBK | 44146132 | 0.07645211527156692 | 4 | CAPITALBK | 32922100 | 0.0783909092529714 | 4 BUH | 51638244.06605551 | 0.07371837304070551 | 5 | CAPITALBK | 16539858 | 0.09676901991443007 | 5 | BUH | 43003515.40254782 | 0.07447333588904663 | 5 | BUH | 32124345.815317824 | 0.07649137441474423 | 5 SOGEBL | 13013012.62393 | 0.01857728000524476 | 6 | SOGEBL | 5903324.200780001 | 0.03453831932212579 | 6 | SOGEBL | 9252593.833378673 | 0.016023609278168597 | 6 | SOGEBL | 7530227.297358673 | 0.017930246391375148 | 6 CBNA | 6003214 | 0.008570143642550678 | 7 | BPH | 1570392.79100624 | 0.009187828049452436 | 7 | BPH | 4982859.93987 | 0.008629299221617292 | 7 | CBNA | 3832049 | 0.009124503157816172 | 7 BPH | 5840463.377616241 | 0.00833780206489855 | 8 | CBNA | 96667 | 0.0005655653662847778 | 8 | CBNA | 4412361 | 0.007641311175161763 | 8 | BPH | 3120469.27769 | 0.007430158585694169 | 8 TOTAL | 700479974.477219 | 1 | TOTAL | 170921003.587984 | 1 | TOTAL | 577435063.0219679 | 1 | TOTAL | 419973442.2490079 | 1.0000000000000002 AU 31 Décembre 2022 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 248522304.96947524 | 0.36399870678476554 | 1 | UNIBK | 58161264.90512 | 0.33503813221579937 | 1 | UNIBK | 212059987.11934546 | 0.3758997986375146 | 1 | UNIBK | 166922463.93277547 | 0.41283727950553606 | 1 SOGEBK | 178646567.28389004 | 0.2616550633990802 | 2 | SOGEBK | 47851007.48159 | 0.27564586494859483 | 2 | SOGEBK | 148227669.30697447 | 0.2627499501527452 | 2 | SOGEBK | 108500888.9607345 | 0.2683474157230354 | 2 BNC | 127711242.00213 | 0.18705253412308923 | 3 | BNC | 25618437 | 0.14757507933794167 | 3 | BNC | 99573837 | 0.17650564722895865 | 3 | BNC | 50611711 | 0.12517429103356154 | 3 CAPITALBK | 52805947 | 0.0773423392355295 | 4 | BUH | 18005276.5023574 | 0.10371944659765818 | 4 | CAPITALBK | 42655914 | 0.07561232885615121 | 4 | BUH | 32531242.263402194 | 0.08045717298042745 | 4 BUH | 49641932.00914547 | 0.07270815815041475 | 5 | CAPITALBK | 16526732 | 0.09520228677873281 | 5 | BUH | 42316571.22319219 | 0.07501080622473014 | 5 | CAPITALBK | 31424276 | 0.07771939323574661 | 5 SOGEBL | 13000997.80809 | 0.0190419382664167 | 6 | SOGEBL | 5808284.6898 | 0.03345864050623334 | 6 | SOGEBL | 9310027.567461899 | 0.016503054326552764 | 6 | SOGEBL | 7630986.763121899 | 0.01887316866170117 | 6 CBNA | 6293856 | 0.009218309177403308 | 7 | BPH | 1528286.560412 | 0.008803699086088308 | 7 | BPH | 5188976.49202 | 0.00919803516439606 | 7 | BPH | 3386945.4436 | 0.008376687653811615 | 7 BPH | 6133163.696362 | 0.008982950863300752 | 8 | CBNA | 96667 | 0.000556850528951505 | 8 | CBNA | 4806684 | 0.008520379408951367 | 8 | CBNA | 3321405 | 0.008214591206180056 | 8 TOTAL | 682756010.7690928 | 0.9999999999999998 | TOTAL | 173595956.1392794 | 1.0000000000000002 | TOTAL | 564139666.708994 | 1 | TOTAL | 404329919.3636341 | 0.9999999999999999 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 | 0.33297989042967113 | 1 | UNIBK | 187147926.7207068 | 0.374160184105989 | 1 | UNIBK | 139122011.7240868 | 0.4134034010339841 | 1 SOGEBK | 156974593.89408997 | 0.25725010753097566 | 2 | SOGEBK | 42803425.86067 | 0.26917912171813896 | 2 | SOGEBK | 129332295.37609139 | 0.2585708337607479 | 2 | SOGEBK | 88538517.4464814 | 0.2630936958234415 | 2 BNC | 120274655.00213 | 0.19710621422868257 | 3 | BNC | 25652901 | 0.16132412819430994 | 3 | BNC | 92094057 | 0.18412135216229933 | 3 | BNC | 43342122 | 0.12879184552308828 | 3 CAPITALBK | 45776286 | 0.07501821921459391 | 4 | BUH | 16045910.847193018 | 0.1009083759574418 | 4 | BUH | 37778218.982636556 | 0.07552905136285273 | 4 | CAPITALBK | 27141824 | 0.0806523871586825 | 4 BUH | 45411624.72350161 | 0.07442061198233767 | 5 | CAPITALBK | 14839783 | 0.09332336545748729 | 5 | CAPITALBK | 37028252 | 0.07402966107190136 | 5 | BUH | 26495196.55505655 | 0.07873092281505516 | 5 SOGEBL | 11749300.163209999 | 0.019254763815084338 | 6 | SOGEBL | 5279058.54194 | 0.033198565611164035 | 6 | SOGEBL | 8021818.657985269 | 0.01603782205087359 | 6 | SOGEBL | 6356459.9129952695 | 0.01888832769166655 | 6 BPH | 5654908.94470912 | 0.009267269932138153 | 7 | BPH | 1348228.0550891198 | 0.00847864011927393 | 7 | BPH | 4690683.72937 | 0.009377967036649296 | 7 | CBNA | 2787396 | 0.008282794161385873 | 7 CBNA | 5654172 | 0.00926606222647724 | 8 | CBNA | 96667 | 0.0006079125125130822 | 8 | CBNA | 4088046 | 0.008173128448686751 | 8 | BPH | 2744936.75263 | 0.008156625792695858 | 8 TOTAL | 610202247.9239918 | 0.9999999999999999 | TOTAL | 159014657.55390212 | 1.0000000000000002 | TOTAL | 500181298.46679 | 0.9999999999999999 | TOTAL | 336528464.3912501 | 0.9999999999999998 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE DEUXIEME TRIMESTRE DE L'EXERCICE 2022-2023 AU 31 Mars 2023 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 241743884.76038763 | 0.37234410186230954 | 1 | UNIBK | 4030317.08148 | 0.38458039898460594 | 1 | UNIBK | 1758421.5338500005 | 0.5890130060311851 | 1 SOGEBK | 170736368.92908525 | 0.2629753385784477 | 2 | SOGEBK | 2271269.95254 | 0.21672882973982324 | 2 | BNC | 394759 | 0.1322311975665894 | 2 BNC | 114945555 | 0.17704397975552363 | 3 | BNC | 1508683 | 0.14396135548427605 | 3 | CAPITALBK | 365236 | 0.12234196984598414 | 3 CAPITALBK | 49621963 | 0.07642983508845855 | 4 | CAPITALBK | 1261150 | 0.12034129334591478 | 4 | SOGEBK | 269617.4497200004 | 0.09031292069674247 | 4 BUH | 48453721.010178775 | 0.0746304596259149 | 5 | BUH | 880632.795913899 | 0.08403162956278604 | 5 | BUH | 151652.64080488743 | 0.05079861461744024 | 5 SOGEBL | 12036244.800398674 | 0.018538730625767212 | 6 | SOGEBL | 175984.59520498704 | 0.016792779444098967 | 6 | SOGEBL | 47549.766666787065 | 0.015927597826423587 | 6 BPH | 6185414.88156 | 0.009527036230939276 | 7 | CBNA | 74554 | 0.007114082213940713 | 7 | CBNA | 12801.699999999997 | 0.004288145734202912 | 7 CBNA | 5525442 | 0.008510518232639095 | 8 | BPH | 50193.37959999999 | 0.004789546222468742 | 8 | BPH | -14668.471280000012 | -0.004913452318567846 | 8 TOTAL | 649248594.3816104 | 0.9999999999999998 | TOTAL | 10252784.804738885 | 0.9783399149979145 | TOTAL | 2985369.619761675 | 1 POUR LE PREMIER TRIMESTRE DE L'EXERCICE 2022-2023 AU 31 Décembre 2022 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 229859120.43607527 | 0.3625672336288653 | 1 | UNIBK | 4275363.08106 | 0.407963146888265 | 1 | UNIBK | 2209856.5451999996 | 0.6168398397358451 | 1 SOGEBK | 167795823.55566448 | 0.2646719757982087 | 2 | SOGEBK | 2553818.88754 | 0.24369017793108583 | 2 | SOGEBK | 563104.73688 | 0.15718008320767196 | 2 BNC | 117465529 | 0.1852837155884161 | 3 | BNC | 1449539 | 0.13831772431141734 | 3 | CAPITALBK | 433049 | 0.12087747339888642 | 3 CAPITALBK | 48074700 | 0.0758304084409174 | 4 | CAPITALBK | 1372876 | 0.13100239737030972 | 4 | BNC | 403109 | 0.11252028621322693 | 4 BUH | 46465127.875603095 | 0.073291557202987 | 5 | BUH | 561381.7727776379 | 0.053568099430585894 | 5 | SOGEBL | 36007.07039311301 | 0.010050695634016818 | 5 SOGEBL | 11999779.751211898 | 0.018927797775866482 | 6 | SOGEBL | 125708.694855013 | 0.011995358937223335 | 6 | BPH | -3617.5814599999867 | -0.0010097797401667089 | 6 BPH | 6487770.774959999 | 0.010233455595901044 | 7 | CBNA | 85602 | 0.008168303051181063 | 7 | CBNA | -6439.656619999994 | -0.0017975088772448666 | 7 CBNA | 5828689 | 0.009193855968837712 | 8 | BPH | 55488.24386 | 0.0052947920799317405 | 8 | BUH | -52524.01460457347 | -0.014661089572235594 | 8 TOTAL | 633976540.3935148 | 0.9999999999999998 | TOTAL | 10479777.680092651 | 1 | TOTAL | 3582545.0997885386 | 1 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 | 0.35790945531098145 | 1 | UNIBK | 3294646.88474 | 0.36125278054828525 | 1 | UNIBK | 1424736.9001599997 | 0.6090818357466793 | 1 SOGEBK | 147297712.8812514 | 0.26067621044038575 | 2 | SOGEBK | 2447946.3556 | 0.2684134168336917 | 2 | SOGEBK | 371118.0521900002 | 0.15865474143417815 | 2 BNC | 110432051 | 0.19543418565532616 | 3 | BNC | 1366222 | 0.14980406508274055 | 3 | BNC | 230580 | 0.0985740522834058 | 3 BUH | 42009286.78726158 | 0.07434481818353188 | 4 | CAPITALBK | 998104 | 0.10944051301716973 | 4 | CAPITALBK | 152273 | 0.06509743543824725 | 4 CAPITALBK | 41094601 | 0.07272607733479071 | 5 | BUH | 653946.883037399 | 0.07170423359248339 | 5 | SOGEBL | 76670.59896855296 | 0.03277704758143021 | 5 SOGEBL | 10797166.102295268 | 0.019107997591997706 | 6 | SOGEBL | 202024.28212375296 | 0.022151640588104 | 6 | BUH | 70459.17684318259 | 0.030121634929246317 | 6 BPH | 6005898.44184 | 0.010628779058985264 | 7 | CBNA | 90709 | 0.009946097295747186 | 7 | CBNA | 18948.994820000007 | 0.008100785870867665 | 7 CBNA | 5183000 | 0.009172476424000814 | 8 | BPH | 66460.18197 | 0.007287253041778467 | 8 | BPH | -5631.593829999991 | -0.0024075332840546647 | 8 TOTAL | 565060051.442389 | 0.9999999999999998 | TOTAL | 9120059.587471154 | 1.0000000000000002 | TOTAL | 2339155.1291517355 | 1 [partdemarc. (3)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) CUMUL 2023 (Octobre - Mars 2023) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 8305680.16254 | 0.4006104006013074 | 1 | UNIBK | 3968278.07905 | 0.6041914745387796 | 1 SOGEBK | 4825088.84008 | 0.23272997940366302 | 2 | SOGEBK | 832722.1866000011 | 0.12678638839832984 | 2 BNC | 2958222 | 0.14268482259075835 | 3 | CAPITALBK | 798285 | 0.1215431433090636 | 3 CAPITALBK | 2634026 | 0.127047778195634 | 4 | BNC | 797868 | 0.12147965283791623 | 4 BUH | 1442014.5686915368 | 0.06955312782713428 | 5 | BUH | 99128.62620031388 | 0.01509286134688156 | 5 SOGEBL | 301693.29006 | 0.014551664333857737 | 6 | SOGEBL | 83556.83705990006 | 0.012721973507235524 | 6 CBNA | 160156 | 0.007724853120166604 | 7 | CBNA | 6362.043379999988 | 0.0009686549919813324 | 7 BPH | 105681.62346 | 0.0050973739274785415 | 8 | BPH | -18286.05274 | -0.002784148930187734 | 8 TOTAL | 20732562.484831534 | 0.9999999999999998 | TOTAL | 6567914.719550214 | 1.0000000000000002 CUMUL 2022 (Octobre - Mars 2022) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 4542776.262050001 | 0.309603344870694 | 1 | UNIBK | 1598056.467800001 | 0.43565034406857267 | 1 SOGEBK | 3686842.0597300003 | 0.2512689526970597 | 2 | BNC | 868629.0070500001 | 0.23679922043695567 | 2 BNC | 2897287.00705 | 0.19745849161153536 | 3 | SOGEBK | 698147.9195300001 | 0.19032392627071254 | 3 CAPITALBK | 1888349 | 0.12869644749341064 | 4 | CAPITALBK | 659245 | 0.17971849985430535 | 4 BUH | 1201579.0072540122 | 0.08189108560771895 | 5 | BUH | 112576.84106731205 | 0.030689866430468 | 5 SOGEBL | 206794.49055000002 | 0.014093642803843294 | 6 | SOGEBL | 56250.217844900035 | 0.015334518680556259 | 6 CBNA | 155737 | 0.010613927109491569 | 7 | BPH | -25254.343080000006 | -0.006884652372249404 | 7 BPH | 93526.59172999999 | 0.006374107806246408 | 8 | CBNA | -299442.2138858 | -0.08163172336932098 | 8 TOTAL | 14672891.418364014 | 0.9999999999999999 | TOTAL | 3668208.896326413 | 1.0000000000000002 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 31 Mars 2023 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 57691121.15658 | 1 | SOGEBL | 80317.33606503402 | 1 | CBNA | 4412361 | 1 | CBNA | 220618.05 | 1 SOGEBK | 42190618.89283 | 2 | UNIBK | 43788.88472141527 | 2 | UNIBK | 3937000.7576882504 | 2 | UNIBK | 165691.27956006417 | 2 BNC | 20335518 | 3 | SOGEBK | 39492.89703720486 | 3 | SOGEBK | 3542879.106747888 | 3 | SOGEBK | 130705.17537915386 | 3 BUH | 17094592.77779457 | 4 | BUH | 38382.568239494816 | 4 | BNC | 2465617.4 | 4 | SOGEBL | 125885.63038610439 | 4 CAPITALBK | 16072830 | 5 | BNC | 28431.26104890984 | 5 | SOGEBL | 2313148.458344668 | 5 | BNC | 116234.1732469063 | 5 SOGEBL | 5641275.62442 | 6 | CAPITALBK | 20444.818294190358 | 6 | BUH | 1791813.141772826 | 6 | BUH | 89684.07800322799 | 6 BPH | 456077.34227624023 | 7 | BPH | 12365.297566978268 | 7 | CAPITALBK | 1765845.28 | 7 | CAPITALBK | 54568.76637824475 | 7 CBNA | 96667 | 8 | CBNA | 4833.35 | 8 | BPH | 996571.9879739999 | 8 | BPH | 39235.117636771654 | 8 TOTAL | 159578700.79390082 AU 31 Décembre 2022 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 57215399.10988 | 1 | SOGEBL | 75925.2900627451 | 1 | CBNA | 4806684 | 1 | CBNA | 228889.7142857143 | 1 SOGEBK | 44646771.153790005 | 2 | UNIBK | 43066.46790456868 | 2 | UNIBK | 4001131.83244048 | 2 | UNIBK | 157023.31515686447 | 2 BNC | 21868803 | 3 | SOGEBK | 40828.504677124576 | 3 | SOGEBK | 3293948.206821655 | 3 | SOGEBK | 126474.12056909084 | 3 BUH | 16837600.82391708 | 4 | BUH | 37278.00518086419 | 4 | BNC | 2428630.1707317075 | 4 | SOGEBL | 121699.70676420782 | 4 CAPITALBK | 16063748 | 5 | BNC | 29980.616734932708 | 5 | SOGEBL | 2327506.8918654746 | 5 | BNC | 116528.77355178467 | 5 SOGEBL | 5562221.41577 | 6 | CAPITALBK | 20403.372839506173 | 6 | BUH | 1763190.467633008 | 6 | BUH | 87611.94870226127 | 6 BPH | 436756.94957199995 | 7 | BPH | 12226.292483296 | 7 | CAPITALBK | 1706236.56 | 7 | CAPITALBK | 52661.62222222222 | 7 CBNA | 96667 | 8 | CBNA | 4603.190476190476 | 8 | BPH | 1297244.123005 | 8 | BPH | 41511.81193616 | 8 TOTAL | 162727967.45292908 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 | 9 | CBNA | 4296.311111111111 | 8 | BPH | 1172670.9323425 | 8 | BPH | 37080.50378948617 | 8 TOTAL | 149514259.56654972 [partdemarc. (5)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes et en pourcentage) TRIM 2 2023 | AU 31 Mars 2023 COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang UNIBK | 0.46540567162551866 | 1 | CBNA | 14910.8 | 1 | CBNA | 300160.7 | 1 SOGEBL | 0.5531616470555787 | 2 | UNIBK | 12008.393538860335 | 2 | UNIBK | 195480.8006488322 | 2 CAPITALBK | 0.5945692423581652 | 3 | SOGEBL | 9577.392936325825 | 3 | SOGEBL | 177047.79080176872 | 3 SOGEBK | 0.6311762691470523 | 4 | SOGEBK | 7886.354001875 | 4 | SOGEBK | 157739.0759864844 | 4 BUH | 0.6984707770282104 | 5 | BUH | 7346.258985725956 | 5 | BNC | 147858.2038917266 | 5 BNC | 0.7383419843664971 | 6 | BNC | 7112.235710076606 | 6 | BUH | 107691.85415235767 | 6 CBNA | 0.7898476272232208 | 7 | CAPITALBK | 6235.599505562423 | 6 | CAPITALBK | 67217.50803461063 | 7 BPH | 1.112932648193309 | 8 | BPH | 1580.893845669291 | 8 | BPH | 45987.900611151505 | 8 SOGEBK | 0 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9 UNIBK | 0 | 10 | UNIBK | 0 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 AU 30 JUIN 2004 | TRIM 1 2023 | AU 31 Décembre 2022 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BPH | 0 | 1 | BPH | 0 | 1 | UNIBK | 0.37729880835291857 | 1 | CBNA | 16305.142857142857 | 1 | CBNA | 299707.4285714286 | 1 BNC | 0 | 2 | SCOTIA | 0 | 2 | CAPITALBK | 0.4822183503827003 | 2 | UNIBK | 12663.052442976674 | 2 | UNIBK | 184022.4398144948 | 2 SOGEBL | 0 | 3 | SOGEBL | 0 | 3 | SOGEBK | 0.4912185162387916 | 3 | SOGEBK | 8716.105418225256 | 3 | SOGEBL | 169947.68376588234 | 3 SCOTIA | 0 | 4 | SOCABK | #REF! | 4 | SOGEBL | 0.6466124329247901 | 4 | BNC | 6785.437097717963 | 4 | SOGEBK | 152428.8116756741 | 4 SOCABK | #REF! | 5 | BUH | 0 | 5 | BNC | 0.721905378192653 | 5 | CAPITALBK | 6779.634567901235 | 5 | BNC | 149457.27560225863 | 5 CAPITALBK | 0 | 6 | BNC | 0 | 6 | BPH | 0.9029989387737669 | 6 | SOGEBL | 6573.0036525497 | 6 | BUH | 102778.32714108792 | 6 BUH | 0 | 7 | CAPITALBK | 0 | 7 | BUH | 0.9425298575292057 | 7 | BUH | 4649.124412237167 | 6 | CAPITALBK | 65192.527160493824 | 7 PROMOBK | #REF! | 8 | SOGEBK | 0 | 8 | CBNA | 1.0752278757505664 | 8 | BPH | 1775.6238035200001 | 8 | BPH | 49065.309570896 | 8 BUH | 0.011978860754924808 | 9 | UNIBK | 0.3574729135761009 | 9 CAPITALBK | 0.02726025494390717 | 10 | CAPITALBK | 0.30794810590954197 | 10 SOGEBK | 0.0059854804351975 | 11 | BICH | 11 BICH | #REF! | 12 | SOGEBK | 12 SOCABEL | #REF! | 13 | SOCABEL | 13 TRIM 4 2022 | AU 30 Septembre 2022 AU 31 MARS 2004 | COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang SOGEBL | 0.39646323396380884 | 1 | CBNA | 16126.044444444444 | 1 | CBNA | 251296.53333333333 | 1 CBNA | 0.008328292837236836 | 1 | CBNA | 0.10861105543412668 | 1 | SOGEBK | 0.4814846113615545 | 2 | SOGEBL | 10563.36115679754 | 2 | UNIBK | 162788.7660560857 | 2 BNC | 0.012474169025777365 | 2 | BPH | -0.1677454515043801 | 2 | UNIBK | 0.5571778377168534 | 3 | UNIBK | 9809.145916605881 | 3 | SOGEBL | 153585.62304849672 | 3 BPH | -0.009800519885492914 | 3 | SCOTIA | 0 | 3 | CAPITALBK | 0.6816073274929266 | 4 | SOGEBK | 8284.082421658206 | 4 | BNC | 140017.06053798602 | 4 SCOTIA | 0 | 4 | BNC | 0.1521387288583535 | 4 | CBNA | 0.7862946915962031 | 5 | BNC | 6361.918509895227 | 5 | SOGEBK | 132804.2249526988 | 5 SOGEBL | 0.014622817743859819 | 5 | SOGEBL | 0.19231589927285853 | 5 | BUH | 0.7927898162742965 | 6 | BUH | 5404.519694523959 | 6 | BUH | 93825.67091632563 | 6 PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | BNC | 0.7946307408312852 | 7 | CAPITALBK | 4981.180286961946 | 6 | CAPITALBK | 57113.27011852776 | 7 SOCABK | #REF! | 7 | SOCABK | #REF! | 7 | BPH | 0.9493169282696141 | 8 | BPH | 2101.50773027668 | 8 | BPH | 44702.83750758198 | 8 SOCABK | #REF! | 10 | BUH | 10 BUH | 0.005808606807929885 | 11 | SOCABK | 11 SOCABEL | #REF! | 12 | BICH | 12 BICH | #REF! | 13 | SOCABEL | 13 * Banque dessaisie le 25 février 2002 [somfinbilsys] Sept.22 | Sept.21 | Sept. 20 | Sept. 19 SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 16647162.739869399 | 0.41302543400716174 | 23522864.35549181 | 0 | 0 | 0 | 0 | 0.16971795791289482 | 20109859.98493449 | 0.10936239656836208 | 18127403.675427593 | 0.11268819226386657 | 16291539.535928499 | -0.2218753639612513 | 20936928.072172258 Avoirs à la BRH | 267675064.3318038 | 0.007800200040809882 | 269762983.3795285 | 0 | 0 | 0 | 0 | 0.1767981011335017 | 229234720.14416966 | 0.17799247816585675 | 194597779.18199432 | 0.5581389565547891 | 124891158.36771753 | -0.07505609380724572 | 135025656.7252747 Avoirs à l'étranger | 34335830.22824723 | 0.2287179165011803 | 42189049.779390186 | 0 | 0 | 0 | 0 | 0.16419925415673284 | 36238684.768741824 | -0.11607028552863714 | 40997246.9252428 | 0.8490523297910515 | 22172031.72928892 | 0.0958618838145898 | 20232505.62571828 Avoirs dans les banques locales | 819948.3871188 | -0.20352179876167212 | 653071.0164806499 | 0 | 0 | 0 | 0 | -0.16532992310041525 | 782430.1296465644 | 1.571935597492979 | 304218.3989401781 | 0.26425196145166263 | 240631.14649303202 | 0.7420928243156626 | 138127.626228848 Autres liquidités | 2932915.8832789008 | -0.29945069473252245 | 2054652.1844389841 | 0 | 0 | 0 | 0 | -0.18353004020709968 | 2516506.773819519 | 0.46681532692001537 | 1715626.178452622 | -0.18554549139354778 | 2106472.68855825 | 1.035712684173447 | 1034759.327745474 322410921.57031816 | 0.048918005222016454 | 338182620.7153301 | 0 | 0 | 0 | 0 | 0.17065924659465878 | 288882201.801312 | 0.12958329835839766 | 255742274.3600575 | 0.5433883198973005 | 165701833.4679862 | -0.06577367618252486 | 177367977.37713957 Bons B.R.H. | 900000 | -0.2222222222222222 | 700000 | 0 | 0 | 0 | 0 | -0.125 | 800000 | -0.8688524590163934 | 6100000 | 0.5061728395061729 | 4050000 | 1.201086956521739 | 1840000 Bons du Trésor / M.E.F. | 30471000 | -0.04597814315250566 | 29070000 | 0 | 0 | 0 | 0 | -0.27261353684473916 | 39965000 | 0.5110783424077435 | 26448000 | 0.10420841683366733 | 23952000 | 1.8733779866534261 | 8335833.33319 Autres Placements | 130169505.73823431 | 0.05566613293506705 | 137415538.74875084 | 0 | 0 | 0 | 0 | 0.3991836864307694 | 98211221.35814014 | 0.33329401187026897 | 73660588.35018319 | 0.4717288979450937 | 50050378.47189929 | -0.26071048992453283 | 67700647.43214078 Portefeuille net | 162727967.45292908 | -0.01935295271194992 | 159578700.79390082 | 0 | 0 | 0 | 0 | 0.06731425655672209 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012 | -0.13732603248487774 | 124751434.68466097 Immobilisations | 14111132.34218 | 0.020262559426352873 | 14397059.999836553 | 0 | 0 | 0 | 0 | 0.03063250682761229 | 13969149.919549998 | 0.04526091416921278 | 13364270.80568 | 0.030057953242254312 | 12974290.197570002 | 0.19837678230914665 | 10826553.37545 Autres actifs | 21965483.6654312 | -0.037760581950486476 | 21136054.219400615 | 0 | 0 | 0 | 0 | 0.12065688413351372 | 18860415.278439935 | 0.3021256224470254 | 14484328.511251023 | 0.3738481441274274 | 10542889.018094834 | -0.05212257092046869 | 11122629.039002296 682756010.7690928 | 0.025959440017468274 | 700479974.477219 | 0 | 0 | 0 | 0 | 0.14794722054919796 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705 | -0.06730737764893079 | 401945075.24158365 PASSIF Dépôts À vue | 260623335.54935282 | 0.023094530966220835 | 266642309.24271712 | 0 | 0 | 0 | 0 | 0.1327697001677779 | 235389690.5992665 | 0.1810964519041873 | 199297602.0034321 | 0.4990879970594297 | 132945899.36972937 | -0.06507977368200733 | 142200260.11557347 Épargne | 199874947.6184947 | 0.023128730934893017 | 204497801.5025887 | 0 | 0 | 0 | 0 | 0.18892798780095246 | 172001839.97756577 | 0.20970385870819858 | 142185080.04202008 | 0.45749917098703513 | 97554141.28004664 | -0.060610887447728294 | 103848490.44609116 À terme | 103641383.54114649 | 0.025603370438046166 | 106294952.27666208 | 0 | 0 | 0 | 0 | 0.14554605204660648 | 92789767.88995776 | 0.1266144747918965 | 82361597.48178053 | 0.3052412843890737 | 63100668.41038543 | -0.1956522277322602 | 78449484.8944287 564139666.708994 | 0.023567561541160263 | 577435063.0219679 | 0 | 0 | 0 | 0 | 0.15445152546083674 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615 | -0.09521631559106729 | 324498235.4560933 Obligations à vue Banques locales | 720000 | -0.16666666666666666 | 600000 | 0 | 0 | 0 | 0 | -0.4 | 1000000 | 2.3333333333333335 | 300000 | -0.25 | 400000 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 28001907.01866168 | 0.12567284835714052 | 31520986.4331287 | 0 | 0 | 0 | 0 | 0.3413711624734982 | 23499078.640548505 | 0.4066237528633815 | 16706015.800396381 | 0.22279379640350863 | 13662169.246795539 | -0.031013523077518604 | 14099442.63637903 28721907.01866168 | 0.11834448918236909 | 32120986.4331287 | 0 | 0 | 0 | 0 | 0.31110997700808024 | 24499078.640548505 | 0.440612482553231 | 17006015.800396383 | 0.20934512321217313 | 14062169.246795539 | -0.030157944725845806 | 14499442.63637903 Obligations à terme Banques locales | 18076579.94163 | -0.0989766244924241 | 16287421.07664 | 0 | 0 | 0 | 0 | -0.1357156161420342 | 18844979.014820002 | -0.08889799666700945 | 20683720.31439 | 0.08009787716952063 | 19149857.3894 | 0.20483143167381415 | 15894221.287699997 Banque à l'étranger | 0.6105499999999999 | 0.056637458029645496 | 0.64513 | 0 | 0 | 0 | 0 | 0.30498017638967545 | 0.49436 | -0.9992275395675808 | 639.981 | -0.8455089016889208 | 4142.51052 | 5.2790585070954466 | 659.73434 Autres | 12895736.08861531 | -0.013860094177271659 | 12716999.97194186 | 0 | 0 | 0 | 0 | 0.0633855407680663 | 11958973.941621 | 0.20992854969449307 | 9884033.189100828 | 0.37958104541362175 | 7164517.968668834 | 0.03997763993376929 | 6889107.701512799 30972316.64079531 | -0.06353722163912745 | 29004421.693711862 | 0 | 0 | 0 | 0 | -0.05841885717569621 | 30803953.450801 | 0.007705997583081588 | 30568393.484490827 | 0.1614785314705818 | 26318517.868588835 | 0.15513214950735302 | 22783988.723552797 Autres passifs | 10142650.025063701 | 0.05378014684429267 | 10688123.232801896 | 0 | 0 | 0 | 0 | 0.11616904481649046 | 9575720.884249331 | 0.09104402553527072 | 8776658.558348682 | 0.4371087499240954 | 6107163.8168038735 | -0.04282208926218638 | 6380385.243216006 633976540.3935149 | 0.024089304595744224 | 649248594.3816104 | 0 | 0 | 0 | 0 | 0.14899043513042437 | 565060051.4423889 | 0.1767295425427094 | 480195347.37046856 | 0.4119714799617799 | 340088559.9923497 | -0.07625308450414144 | 368162052.0592411 AVOIR DES ACTIONNAIRES Capital versé | 15620130.26157 | -0.00039212221008612564 | 15614005.26157 | 0 | 0 | 0 | 0 | -0.0005568817854741821 | 15622705.26157 | 0.08369008875558102 | 14416211.26157 | -0.0009105399908589126 | 14429349.76157 | 0.11320054767539729 | 12962039.76157 Réserves | 8604644.488429999 | 0.12649106181824282 | 9693055.10634 | 0 | 0 | 0 | 0 | 0.17346124356706705 | 8260226.02747 | 0.16423590658785386 | 7094976.182 | 0.20956622179333192 | 5865719.50685 | -0.021812221055108886 | 5996516.85812 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | -1 | 228000 | 0.4250008906255567 | 159999.9 Surplus d'apport | 1304377.70404 | 0.07336831939367867 | 1400077.70404 | 0 | 0 | 0 | 0 | 0.07336831939367867 | 1304377.70404 | -0.10000497777305484 | 1449316.57601 | 0.08306599211208662 | 1338160.9122300001 | -0.14357217736930486 | 1562491.1719 BNR | 23250317.921305653 | 0.05479168512688859 | 24524242.019949887 | 0 | 0 | 0 | 0 | 0.2289842293894302 | 19954887.486337997 | 0.16730818331487665 | 17094789.33804 | 0.32093653046427917 | 12941416.142100008 | -0.01225459051212189 | 13101975.486588003 48779470.37534565 | 0.05026519758593966 | 51231380.09189989 | 0 | 0 | 0 | 0 | 0.134888952850537 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 | 0.15092665615592596 | 34802646.32275001 | 0.030181524583940307 | 33783023.178178005 682756010.7688606 | 0.02595944001238524 | 700479974.4735103 | 0 | 0 | 0 | 0 | 0.1479472205472304 | 610202247.9218069 | 0.1729005216943731 | 520250640.72808856 | 0.38773764752116596 | 374891206.3150997 | -0.06730737752251188 | 401945075.2374191 Hors-bilan Effets à l'encaissement | 1911316.933031762 | 1993769.504604417 | 0 | 0 | 1537300.341460401 | 1267194.203952186 | 842980.4345114 | 1158998.117186356 Crédit documentaire | 5025389.225333599 | 4752417.051200084 | 0 | 0 | 4188643.145419392 | 3567610.27823485 | 2172312.9430766744 | 3511756.937318244 Autres | 21890899.839796398 | 21261334.541365445 | 0 | 0 | 151487184.2710981 | 20774183.971271355 | 14917365.835079007 | 20421271.079468198 Portefeuille brut | 173595956.1392794 | -0.015409071793983518 | 170921003.58798403 | 0 | 0 | 0 | 0 | 0.07487577697072303 | 159014657.55390215 | 0.1484936095543595 | 138454978.09570163 | 0.218078583345102 | 113666704.25768009 | -0.11658920065531717 | 128668003.99315748 Provisions pour créances douteuses | 10867988.68635032 | 0.04364322796255663 | 11342302.794083193 | 0 | 0 | 0 | 0 | 0.19387659434719012 | 9500397.987352408 | 0.18698601951706315 | 8003799.397079452 | 0.32362264382143874 | 6046889.145059981 | 0.5439249681965298 | 3916569.3084965115 Portefeuille de crédit improductif | 18986966.152794197 | 0.0023063587135342773 | 19030756.907624274 | 0 | 0 | 0 | 0 | 0.7930415196815356 | 10613673.30244776 | 0.3673656740786397 | 7762132.327622954 | 0.352540387218065 | 5738928.316653286 | -0.3175774236858533 | 8409640.178743772 Graphe Dépots US | 404329919.363634 | 0.038689995808360876 | 419973442.2490079 | -1 | #DIV/0! | 0 | 0.24795815714638697 | 336528464.39125 | 0.20050798867282424 | 280321720.1105727 | 0.2483634522489311 | 224551367.3166033 | 0.36879974577312535 | 164049831.25546405 Graphe Bons BRH | Sept. 19 | Sept. 20 | Sept. 21 | Sept. 22 | Déc. 22 | 2023-03-01 00:00:00 | Juin 22 | Sept. 22 1840000 | 4050000 | 6100000 | 800000 | 900000 | 700000 | 0 | 0 immobilisations/Avoir des Actionnaires | 0.28928424670457503 | 0.28102034288381095 | #DIV/0! | #DIV/0! liquidites/actif | 0.5181674214362453 | 0.5252864237695587 | #DIV/0! | #DIV/0! liquidites/depot | 0.6271176136827357 | 0.6372190472633834 | #DIV/0! | #DIV/0! comm/sal | 0.6582779305033502 | 0.6925549846899509 | #DIV/0! | #DIV/0! [sofibilcompsys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 16647162.739869399 | 0.024382301257395225 | 23522864.35549181 | 0.033581066144035526 | 0 | 0 | 0 | 0 | 20109859.98493449 | 0.03295605687024513 | 18127403.675427593 | 0.034843597021117216 | 16291539.535928499 | 0.04345671294374051 | 20936928.072172258 | 0.05208902748612706 Avoirs à la BRH | 267675064.3318038 | 0.39205083530539747 | 269762983.3795285 | 0.3851116280388423 | 0 | 0 | 0 | 0 | 229234720.14416966 | 0.3756700682832025 | 194597779.18199432 | 0.3740462076327554 | 124891158.36771753 | 0.33313973835486366 | 135025656.7252747 | 0.33593061600299334 Avoirs à l'étranger | 34335830.22824723 | 0.05029004459377739 | 42189049.779390186 | 0.060228773578968685 | 0 | 0 | 0 | 0 | 36238684.768741824 | 0.059387989624803544 | 40997246.9252428 | 0.07880287637521821 | 22172031.72928892 | 0.05914257618896675 | 20232505.62571828 | 0.05033649339666074 Avoirs dans les banques locales | 819948.3871188 | 0.0012009390971090337 | 653071.0164806499 | 0.0009323193242862493 | 0 | 0 | 0 | 0 | 782430.1296465644 | 0.0012822472095252355 | 304218.3989401781 | 0.0005847535305593619 | 240631.14649303202 | 0.000641869274257934 | 138127.626228848 | 0.0003436480124699333 Autres liquidités | 2932915.8832789008 | 0.004295701300344625 | 2054652.1844389841 | 0.0029332061719143485 | 0 | 0 | 0 | 0 | 2516506.773819519 | 0.004124053594330549 | 1715626.178452622 | 0.003297691620445056 | 2106472.68855825 | 0.005618890636371528 | 1034759.327745474 | 0.0025743799127867055 322410921.57031816 | 0.4722198215540238 | 338182620.7153301 | 0.4827869932580471 | 0 | 0 | 0 | 0 | 288882201.801312 | 0.4734204155821069 | 255742274.3600575 | 0.49157512618009525 | 165701833.4679862 | 0.4419997873982003 | 177367977.37713957 | 0.4412741648110378 Bons B.R.H. | 900000 | 0.001318186857097299 | 700000 | 0.0009993147920073272 | 0 | 0 | 0 | 0 | 800000 | 0.0013110407290725843 | 6100000 | 0.011725117707668715 | 4050000 | 0.01080313416875113 | 1840000 | 0.00457773987874859 Bons du Trésor / M.E.F. | 30471000 | 0.044629413025124215 | 29070000 | 0.041500115719504294 | 0 | 0 | 0 | 0 | 39965000 | 0 | 26448000 | 0.050837034939741337 | 23952000 | 0.06389053570615483 | 8335833.33319 | 0 Autres Placements | 130169505.73823431 | 0.19065303517665766 | 137415538.74875084 | 0.1961734007475468 | 0 | 0 | 0 | 0 | 98211221.35814014 | 0 | 73660588.35018319 | 0.14158673259377522 | 50050378.47189929 | 0.13350640835276573 | 67700647.43214078 | 0.16843258346043977 Portefeuille net | 162727967.45292908 | 0.2383398533095646 | 159578700.79390082 | 0.2278133659895093 | 0 | 0 | 0 | 0 | 149514259.56654975 | 0.24502410483609624 | 130451178.69862218 | 0.2507467910402411 | 107619815.11262012 | 0.2870694572537841 | 124751434.68466097 | 0.31036935732993076 Immobilisations | 14111132.34218 | 0.020667899102469224 | 14397059.999836553 | 0.020553135741790966 | 0 | 0 | 0 | 0 | 13969149.919549998 | 0.022892655618813824 | 13364270.80568 | 0.025688139061271903 | 12974290.197570002 | 0.03460814759226206 | 10826553.37545 | 0.026935404965324795 Autres actifs | 21965483.6654312 | 0.032171790975063126 | 21136054.219400615 | 0.030173673751594167 | 0 | 0 | 0 | 0 | 18860415.278439935 | 0.030908465746571998 | 14484328.511251023 | 0.027841058477206592 | 10542889.018094834 | 0.028122529528081815 | 11122629.039002296 | 0.02767201223280865 682756010.7690928 | 1 | 700479974.477219 | 1 | 0 | 0 | 0 | 0 | 610202247.9239918 | 1 | 520250640.72579384 | 1 | 374891206.2681705 | 1 | 401945075.24158365 | 1 PASSIF Dépôts À vue | 260623335.54935282 | 0.38172250619335124 | 266642309.24271712 | 0.3806565768589133 | 0 | 0 | 0 | 0 | 235389690.5992665 | 0.38575683947429046 | 199297602.0034321 | 0.38307997415513995 | 132945899.36972937 | 0.35462528100653645 | 142200260.11557347 | 0.35378032690189304 Épargne | 199874947.6184947 | 0.29274725445967864 | 204497801.5025887 | 0.291939539963593 | 0 | 0 | 0 | 0 | 172001839.97756577 | 0.2818767721075172 | 142185080.04202008 | 0.2733011147158989 | 97554141.28004664 | 0.2602198708557153 | 103848490.44609116 | 0.25836487829506166 À terme | 103641383.54114649 | 0.15179856626146623 | 106294952.27666208 | 0.15174588303683048 | 0 | 0 | 0 | 0 | 92789767.88995776 | 0.1520639561811576 | 82361597.48178053 | 0.15831138115827997 | 63100668.41038543 | 0.16831728073463453 | 78449484.8944287 | 0.19517463884158226 564139666.708994 | 0.8262683269144961 | 577435063.0219679 | 0.8243419998593368 | 0 | 0 | 0 | 0 | 500181298.4667901 | 0.8196975677629654 | 423844279.5272327 | 0.8146924700293188 | 293600709.0601615 | 0.7831624325968863 | 324498235.4560933 | 0.807319844038537 Obligations à vue Banques locales | 720000 | 0.0010545494856778392 | 600000 | 0.0008565555360062805 | 0 | 0 | 0 | 0 | 1000000 | 0.0016388009113407302 | 300000 | 0.0005766451331640351 | 400000 | 0.0010669762141976423 | 400000 | 0.0009951608432062153 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 28001907.01866168 | 0.04101305089517826 | 31520986.4331287 | 0.04499912571612542 | 0 | 0 | 0 | 0 | 23499078.640548505 | 0.03851031149179838 | 16706015.800396381 | 0.03211147568620015 | 13662169.246795539 | 0.0364430240516834 | 14099442.63637903 | 0.03507803305689154 28721907.01866168 | 0.0420676003808561 | 32120986.4331287 | 0.04585568125213169 | 0 | 0 | 0 | 0 | 24499078.640548505 | 0.040149112403139106 | 17006015.800396383 | 0.032688120819364196 | 14062169.246795539 | 0.03751000026588104 | 14499442.63637903 | 0.03607319390009776 Obligations à terme Banques locales | 18076579.94163 | 0.02647590011147258 | 16287421.07664 | 0.023251801150768945 | 0 | 0 | 0 | 0 | 18844979.014820002 | 0.030883168783683957 | 20683720.31439 | 0.03975722218339694 | 19149857.3894 | 0.0510811058494169 | 15894221.287699997 | 0.039543266646934264 Banque à l'étranger | 0.6105499999999999 | 8.942433173341731e-10 | 0.64513 | 9.209827882395528e-10 | 0 | 0 | 0 | 0 | 0.49436 | 8.101576185304035e-10 | 639.981 | 1.2301397632248413e-06 | 4142.51052 | 1.1049900479758767e-05 | 659.73434 | 1.6413544552162396e-06 Autres | 12895736.08861531 | 0.0188877664717867 | 12716999.97194186 | 0.018154694545597524 | 0 | 0 | 0 | 0 | 11958973.941621 | 0.01959837739422854 | 9884033.189100828 | 0.018998598781755967 | 7164517.968668834 | 0.01911092564690314 | 6889107.701512799 | 0.01713942557293977 30972316.64079531 | 0.045363667477502596 | 29004421.693711862 | 0.041406496617349256 | 0 | 0 | 0 | 0 | 30803953.450801 | 0.050481546988070114 | 30568393.484490827 | 0.05875705110491612 | 26318517.868588835 | 0.0702030813967998 | 22783988.723552797 | 0.056684333574329254 Autres passifs | 10142650.025063701 | 0.014855453287973955 | 10688123.232801896 | 0.015258285207623012 | 0 | 0 | 0 | 0 | 9575720.884249331 | 0.015692700111852267 | 8776658.558348682 | 0.01687005814371415 | 6107163.8168038735 | 0.016290496321845552 | 6380385.243216006 | 0.015873773896548333 633976540.3935149 | 0.928555048060829 | 649248594.3816104 | 0.9268624629364408 | 0 | 0 | 0 | 0 | 565060051.4423889 | 0.9260209272660268 | 480195347.37046856 | 0.9230077000973133 | 340088559.9923497 | 0.9071660105814127 | 368162052.0592411 | 0.9159511454095123 AVOIR DES ACTIONNAIRES Capital versé | 15620130.26157 | 0.02287805601883263 | 15614005.26157 | 0.022290437743381623 | 0 | 0 | 0 | 0 | 15622705.26157 | 0.025602503620268537 | 14416211.26157 | 0.02771012687549632 | 14429349.76157 | 0.03848943245483403 | 12962039.76157 | 0.032248286046991224 Réserves | 8604644.488429999 | 0.01260281030515904 | 9693055.10634 | 0.013837733353582456 | 0 | 0 | 0 | 0 | 8260226.02747 | 0.013536865941698256 | 7094976.182 | 0.01363761161755016 | 5865719.50685 | 0.015646457982410187 | 5996516.85812 | 0.01491874693206746 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 159999.9 | 0.00039806408849227525 Surplus d'apport | 1304377.70404 | 0.0019104594957291981 | 1400077.70404 | 0.0019987405137240413 | 0 | 0 | 0 | 0 | 1304377.70404 | 0.0021376153701132814 | 1449316.57601 | 0 | 1338160.9122300001 | 0 | 1562491.1719 | 0.0038873250803256785 BNR | 23250317.921305653 | 0.03405362611910989 | 24524242.019949887 | 0.035010625447576535 | 0 | 0 | 0 | 0 | 19954887.486337997 | 0.03270208779831244 | 17094789.33804 | 0.03285875691415068 | 12941416.142100008 | 0.034520458004135314 | 13101975.486588003 | 0.032596432432250196 48779470.37534565 | 0.07144495193883076 | 51231380.09189989 | 0.07313753705826466 | 0 | 0 | 0 | 0 | 45142196.479417995 | 0.07397907273039252 | 40055293.35762 | 0.07699229990709759 | 34802646.32275001 | 0.09283398954376826 | 33783023.178178005 | 0.08404885458012684 682756010.7688606 | 0.9999999999996598 | 700479974.4735103 | 0.9999999999947055 | 0 | 0 | 0 | 0 | 610202247.9218069 | 0.9999999999964194 | 520250640.72808856 | 1.0000000000044107 | 374891206.3150997 | 1.000000000125181 | 401945075.2374191 | 0.9999999999896391 [sofibilgdes&$ ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 5988417.445501811 | 17534446.90999 | 23522864.355491813 | 0.2545785817152711 | 10209943.917254493 | 9899916.06768 | 20109859.984934494 | 0.5077083542552447 Avoirs à la BRH | 193549249.85837853 | 76213733.52115 | 269762983.3795285 | 0.7174789047542331 | 149087525.59960967 | 80147194.54455999 | 229234720.14416966 | 0.6503706136044574 Avoirs à l'étranger | 42189049.779390186 | 0 | 42189049.779390186 | 1 | 36238684.768741824 | 0 | 36238684.768741824 | 1 Avoirs dans les banques locales | 454287.9321806533 | 198783.08429999664 | 653071.0164806499 | 0.6956179660655842 | 323663.733756558 | 458766.39589000127 | 782430.1296465592 | 0.413664711381659 Autres liquidités | 973465.1312289841 | 1081187.05321 | 2054652.1844389841 | 0.4737858497908177 | 1048286.7072395189 | 1468220.0665799999 | 2516506.7738195187 | 0.4165642302835704 243154470.14668015 | 95028150.56864999 | 338182620.7153301 | 0.7190034474047049 | 196908104.72660208 | 91974097.07470998 | 288882201.8013121 | 0.6816207557917738 Bons B.R.H. | 0 | 700000 | 700000 | 0 | 0 | 800000 | 800000 | 0 Bons du Trésor / M.E.F. | 0 | 29070000 | 29070000 | 0 | 0 | 39965000 | 39965000 | 0 Autres Placements | 106095764.8609164 | 31319773.887834415 | 137415538.7487508 | 0.7720798231916176 | 77979025.64570013 | 20232195.71244 | 98211221.35814013 | 0.7939930342719124 Portefeuille net | 92724052.4363387 | 66854648.357562125 | 159578700.79390082 | 0.5810553161232571 | 75541687.04859972 | 73972572.51795001 | 149514259.56654972 | 0.505247374180893 Immobilisations | 0 | 14397059.99983655 | 14397059.99983655 | 0 | 0 | 13969149.91955 | 13969149.91955 | 0 Autres actifs | 7811246.453447351 | 13324807.765953261 | 21136054.219400615 | 0.36956975849718776 | 8570086.956256093 | 10290328.222183846 | 18860415.178439938 | 0.4543954560476955 449785533.8973826 | 250694440.57983634 | 700479974.477219 | 0.6421104817922394 | 358998904.377158 | 251203343.44683382 | 610202247.8239918 | 0.5883277317600254 PASSIF Dépôts À vue | 191212961.5127871 | 75429347.72993 | 266642309.2427171 | 0.7171141071191791 | 153964267.06018648 | 81425423.53908001 | 235389690.59926647 | 0.654082456492537 Épargne | 142294518.78477868 | 62203282.717810005 | 204497801.5025887 | 0.6958241983006228 | 112856361.09213577 | 59145478.88543 | 172001839.97756577 | 0.6561346152276956 À terme | 86465961.95144208 | 19828990.325219996 | 106294952.27666208 | 0.813453132999114 | 69707836.23892777 | 23081931.651030004 | 92789767.88995777 | 0.7512448605496721 419973442.2490079 | 157461620.77296 | 577435063.0219679 | 0.7273085220199564 | 336528464.39125 | 163652834.07554 | 500181298.46679 | 0.6728129688631174 Obligations à vue Banques locales | 0 | 600000 | 600000 | 0 | 0 | 1000000 | 1000000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 15833246.185778704 | 15687740.24735 | 31520986.433128703 | 0.5023080803441445 | 11009340.164068505 | 12489738.47648 | 23499078.640548505 | 0.468500928588387 15833246.185778704 | 16287740.24735 | 32120986.433128703 | 0.49292527857888974 | 11009340.164068505 | 13489738.47648 | 24499078.640548505 | 0.4493777225502232 Obligations à terme Banques locales | 0 | 16287421.07664 | 16287421.07664 | 0 | 0 | 18844979.014820002 | 18844979.014820002 | 0 Banque à l'étranger | 0.64513 | 0 | 0.64513 | 1 | 0.49436 | 0 | 0.49436 | 1 Autres | 6952885.396136001 | 5764114.575805858 | 12716999.971941859 | 0.546739436303884 | 6065268.486501 | 5893705.45512 | 11958973.941621 | 0.5071729829088392 6952886.041266001 | 22051535.65244586 | 29004421.693711862 | 0.23971814072657002 | 6065268.980861 | 24738684.469940003 | 30803953.450801004 | 0.19689904383696188 Autres passifs | 7010923.436024481 | 3677199.796777415 | 10688123.232801896 | 0.6559545846653346 | 5522789.620208523 | 4052931.264040806 | 9575720.88424933 | 0.5767492272349657 449770497.91207707 | 199478096.4695333 | 649248594.3816104 | 0.6927554434530118 | 359125863.15638804 | 205934188.28600082 | 565060051.4423889 | 0.6355534464694024 AVOIR DES ACTIONNAIRES Capital versé | 0 | 15614005.26157 | 15614005.26157 | 0 | 0 | 15622705.26157 | 15622705.26157 | 0 Réserves | 0 | 9693055.10634 | 9693055.10634 | 0 | 0 | 8260226.027469999 | 8260226.027469999 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1400077.70404 | 1400077.70404 | 0 | 0 | 1304377.70404 | 1304377.70404 | 0 BNR | 0 | 24524242.01994989 | 24524242.01994989 | 0 | 0 | 19954887.486337997 | 19954887.486337997 | 0 0 | 51231380.09189989 | 51231380.09189989 | 0 | 0 | 45142196.479417995 | 45142196.479417995 | 0 449770497.91207707 | 250709476.5614332 | 700479974.4735103 | 0.6420890165348843 | 359125863.15638804 | 251076384.76541883 | 610202247.8218068 | 0.5885357919252718 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes | 0 [somfinrésys] TRIM 1 23 | TRIM 1 22 | TRIM 2 23 | TRIM 2 22 | TRIM 3 23 | TRIM 3 22 | TRIM 4 23 | TRIM 4 22 | CUMUL 23 | CUMUL 22 SYSTÈME BANCAIRE SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 4074699.4468300003 | 0.04659452839097218 | 4264558.145889999 | 0 | 0 | 0 | 0 | 3419042.5401700004 | 0.015170141950740665 | 3470909.9008400002 | 0.014168519844925356 | 3520087.5566499997 | 0.16544861757053925 | 4102481.1766249994 Intérêts sur Bons B.R.H. | 204125.71977000003 | -0.1404843938446928 | 175449.24175999995 | 0 | 0 | 0 | 0 | 171365.50549999997 | -0.03340546239628117 | 165640.96155 | 0.10061199146667212 | 182306.42855999997 | 0.25296814903497467 | 228424.14835 Autres | 1792473.8165573 | 0.1299442776392953 | 2025395.531837189 | 0 | 0 | 0 | 0 | 943251.56975 | 0.10732769442971825 | 1044488.5859984801 | 0.04790753819997478 | 1094527.46283164 | 0.279756014805164 | 1400728.1039282267 6071298.9831573 | 0.06491262206377763 | 6465402.919487188 | 0 | 0 | 0 | 0 | 4533659.615420001 | 0.032507917547935854 | 4681039.448388481 | 0.024755612707569225 | 4796921.448041639 | 0.19485663690473543 | 5731633.428903227 Dépenses d'intérêt | 883607.6651049871 | 0.1463936429916058 | 1012962.2101750129 | 0 | 0 | 0 | 0 | 783525.9312 | -0.0074963633003659325 | 777652.3361644673 | 0.042781796358748604 | 810921.7000481606 | 0.052160627105643204 | 853219.884456247 5187691.318052313 | 0.05103414506151837 | 5452440.7093121745 | 0 | 0 | 0 | 0 | 3750133.6842200006 | 0.04086612395949518 | 3903387.1122240135 | 0.021164346090796825 | 3985999.7479934786 | 0.22388706795647323 | 4878413.54444698 AUTRES REVENUS Commissions | 1624429.3434400002 | 0.15039729035098195 | 1868739.115060001 | 0 | 0 | 0 | 0 | 1392439.7375000003 | 0.07851088856906416 | 1501761.4185699997 | 0.11189775710179989 | 1669805.15301 | 0.01398657457602189 | 1693160.00731 Gains sur change | 1628412.479170338 | -0.2035357666291961 | 1296972.2968338535 | 0 | 0 | 0 | 0 | 1020534.51562 | 0.27856682100290214 | 1304821.57136 | 0.32520128053809433 | 1729151.2172400004 | -0.011070029101550641 | 1710009.4629441719 Autres | 2039244.53943 | -0.19841262196550452 | 1634632.683532856 | 0 | 0 | 0 | 0 | 919863.4674600001 | -0.04339073945420671 | 879949.9114100001 | 0.5389545039786118 | 1354202.87944 | -0.3808338576884928 | 838476.5727699999 5292086.362040338 | -0.09292030268834066 | 4800344.09542671 | 0 | 0 | 0 | 0 | 3332837.7205800004 | 0.10612433319989167 | 3686532.90134 | 0.28933048392496324 | 4753159.249690001 | -0.10761541530492387 | 4241646.043024171 PRODUIT NET BANCAIRE | 10479777.680092651 | -0.021660085002085633 | 10252784.804738885 | 0 | 0 | 0 | 0 | 7082971.4048000015 | 0.071572872427589 | 7589920.013564013 | 0.15141648160529392 | 8739158.99768348 | 0.04358549717297009 | 9120059.58747115 Dotation à la provision pour créances douteuses | 921600.13689 | -0.31819826109778115 | 628348.5759041249 | 0 | 0 | 0 | 0 | 734937.9089200001 | -0.6902441879888569 | 227651.28875528614 | 1.1210610010904727 | 482862.27042682347 | 1.1123054441603335 | 1019952.6026021984 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 9558177.543202652 | 0.006932146356627158 | 9624436.22883476 | 0 | 0 | 0 | 0 | 6348033.495880001 | 0.15977156226207437 | 7362268.724808726 | 0.12143376394769632 | 8256296.727256657 | -0.01891765128451277 | 8100106.984868951 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2467695.2821400003 | 0.09345996244317308 | 2698325.99053 | 0 | 0 | 0 | 0 | 2155345.26467 | 0.07612676159572136 | 2319424.71979 | -0.0688756156330282 | 2159672.9143 | 0.26529889822955416 | 2732631.759 Frais de locaux | 358131.83571 | 0.1257153942785959 | 403154.52064 | 0 | 0 | 0 | 0 | 318707.92462 | 0.020869021402677747 | 325359.0471200978 | 0.08151417286397068 | 351880.4207299022 | -0.08428419421555655 | 322222.4630084514 Amortissement | 319120.95514 | 0.026154790241420256 | 327467.49678332836 | 0 | 0 | 0 | 0 | 309887.79759000003 | 0.004894410886119082 | 311404.5158 | 0.005729364570762668 | 313188.6658 | 0.0256407445316945 | 321219.05637000006 Autres dépenses d'exploitation | 2183631.8167256 | 0.17753984350755353 | 2571313.467745178 | 0 | 0 | 0 | 0 | 1600031.2818629001 | 0.13726081832752463 | 1819652.88496104 | 0.14280915962402024 | 2079515.98426975 | 0.027734278165897297 | 2137189.859027917 5328579.889715601 | 0.12605264439767178 | 6000261.475698506 | 0 | 0 | 0 | 0 | 4383972.2687429 | 0.08938671937370743 | 4775841.1676711375 | 0.026888837572279393 | 4904257.985099652 | 0.12417885726179662 | 5513263.137406368 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 4229597.653487051 | -0.14313959623361877 | 3624174.753136253 | 0 | 0 | 0 | 0 | 1964061.2271371009 | 0.31687725484387047 | 2586427.557137589 | 0.29601106859019133 | 3352038.742157005 | -0.22827746143590985 | 2586843.8474625833 Impôts sur le revenu | 647052.5536985113 | -0.012746136734627529 | 638805.1333745802 | 0 | 0 | 0 | 0 | 240502.4057744996 | 0.41619944109927104 | 340599.37264087645 | 0.6587351288218036 | 564964.1442540897 | -0.5615850654772649 | 247688.71831084974 0 BÉNÉFICE NET | 3582545.0997885396 | -0.1666902895547959 | 2985369.619761673 | 0 | 0 | 0 | 0 | 1723558.8213626014 | 0.3030180094005833 | 2245828.1844967124 | 0.24100081081113303 | 2787074.597902915 | -0.16071312518445344 | 2339155.1291517336 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) 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 | 2022 Revenus d'intérêt Prêts | 4074699.4468300003 | 0.19176623249250346 | 3419042.5401700004 | 4264558.145889999 | 0.22865711520138482 | 3470909.9008400002 | 0 | 0 | 3520087.5566499997 | 0 | 0 | 4102481.1766249994 | 8339257.59272 | 0.2103505305905342 | 6889952.44101 | 14512521.174284998 Intérêts sur Bons B.R.H. | 204125.71977000003 | 0.19117157898501377 | 171365.50549999997 | 175449.24175999995 | 0.05921409848275502 | 165640.96155 | 0 | 0 | 182306.42855999997 | 0 | 0 | 228424.14835 | 379574.96153 | 0.12631358339388876 | 337006.46705 | 747737.0439599999 Autres | 1792473.8165573 | 0.9003136321653601 | 943251.56975 | 2025395.531837189 | 0.9391265342560061 | 1044488.5859984801 | 0 | 0 | 1094527.46283164 | 0 | 0 | 1400728.1039282267 | 3817869.348394489 | 0.9207084675294881 | 1987740.15574848 | 4482995.722508347 6071298.9831573 | 0.3391607438960439 | 4533659.615420001 | 6465402.919487188 | 0.38118958209442166 | 4681039.448388481 | 0 | 0 | 4796921.448041639 | 0 | 0 | 5731633.428903227 | 12536701.902644489 | 0.36051126746867507 | 9214699.06380848 | 19743253.940753344 Dépenses d'intérêt | 883607.6651049871 | 0.12773251008005326 | 783525.9312 | 1012962.2101750129 | 0.3025900689389551 | 777652.3361644673 | 0 | 0 | 810921.7000481606 | 0 | 0 | 853219.884456247 | 1896569.87528 | 0 | 1561178.2673644673 | 3225319.851868875 5187691.318052313 | 0.3833350367965119 | 3750133.6842200006 | 5452440.7093121745 | 0.3968485708827286 | 3903387.1122240135 | 0 | 0 | 3985999.7479934786 | 0 | 0 | 4878413.54444698 | 10640132.027364489 | 0.390227100749255 | 7653520.796444013 | 16517934.08888447 AUTRES REVENUS Commissions | 1624429.3434400002 | 0.16660656809214328 | 1392439.7375000003 | 1868739.115060001 | 0.24436484514260792 | 1501761.4185699997 | 0 | 0 | 1669805.15301 | 0 | 0 | 1693160.00731 | 3493168.458500001 | 0.20695427516286788 | 2894201.15607 | 6257166.31639 Gains sur change | 1628412.479170338 | 0.5956466481499032 | 1020534.51562 | 1296972.2968338535 | -0.006015592245279382 | 1304821.57136 | 0 | 0 | 1729151.2172400004 | 0 | 0 | 1710009.4629441719 | 2925384.7760041915 | 0.2580373356080118 | 2325356.08698 | 5764516.767164173 Autres | 2039244.53943 | 1.2168991503281716 | 919863.4674600001 | 1634632.683532856 | 0.8576428752786387 | 879949.9114100001 | 0 | 0 | 1354202.87944 | 0 | 0 | 838476.5727699999 | 3673877.222962856 | 1.0412545356616214 | 1799813.3788700001 | 3992492.8310800004 5292086.362040338 | 0.5878619980091252 | 3332837.7205800004 | 4800344.09542671 | 0.3021297310765507 | 3686532.90134 | 0 | 0 | 4753159.249690001 | 0 | 0 | 4241646.043024171 | 10092430.45746705 | 0.4377970620258372 | 7019370.62192 | 16014175.914634174 PRODUIT NET BANCAIRE | 10479777.680092651 | 0.4795736254124499 | 7082971.4048000015 | 10252784.804738885 | 0.35084227322765493 | 7589920.013564013 | 0 | 0 | 8739158.99768348 | 0 | 0 | 9120059.58747115 | 20732562.484831538 | 0.4129841142887134 | 14672891.418364013 | 32532110.00351864 Dotation à la provision pour créances douteuses | 921600.13689 | 0.2539836708713288 | 734937.9089200001 | 628348.5759041249 | 1.760136256375726 | 227651.28875528614 | 0 | 0 | 482862.27042682347 | 0 | 0 | 1019952.6026021984 | 1549948.7127941248 | 0.6101871042572979 | 962589.1976752862 | 2465404.070704308 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 9558177.543202652 | 0.5056911009379672 | 6348033.495880001 | 9624436.22883476 | 0.30726500058374395 | 7362268.724808726 | 0 | 0 | 8256296.727256657 | 0 | 0 | 8100106.984868951 | 19182613.772037413 | 0.39913865232606 | 13710302.220688727 | 30066705.932814334 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2467695.2821400003 | 0.14491878521273643 | 2155345.26467 | 2698325.99053 | 0.16336002091687013 | 2319424.71979 | 0 | 0 | 2159672.9143 | 0 | 0 | 2732631.759 | 5166021.272670001 | 0.15447750177340538 | 4474769.98446 | 9367074.65776 Frais de locaux | 358131.83571 | 0.12369918676169003 | 318707.92462 | 403154.52064 | 0.23910653233252815 | 325359.0471200978 | 0 | 0 | 351880.4207299022 | 0 | 0 | 322222.4630084514 | 761286.35635 | 0.1819987512994288 | 644066.9717400977 | 1318169.8554784514 Amortissement | 319120.95514 | 0.029795163352046412 | 309887.79759000003 | 327467.49678332836 | 0.051582363672737615 | 311404.5158 | 0 | 0 | 313188.6658 | 0 | 0 | 321219.05637000006 | 646588.4519233283 | 0.04071535730951385 | 621292.31339 | 1255700.0355600002 Autres dépenses d'exploitation | 2183631.8167256 | 0.36474320313489106 | 1600031.2818629001 | 2571313.467745178 | 0.4130791037106132 | 1819652.88496104 | 0 | 0 | 2079515.98426975 | 0 | 0 | 2137189.859027917 | 4754945.284470778 | 0.39046328623001825 | 3419684.1668239404 | 7636390.010121608 5328579.889715601 | 0.21546842978629646 | 4383972.2687429 | 6000261.475698506 | 0.2563779374229981 | 4775841.1676711375 | 0 | 0 | 4904257.985099652 | 0 | 0 | 5513263.137406368 | 11328841.365414107 | 0.23679826494907522 | 9159813.436414037 | 19577334.55892006 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 4229597.653487051 | 1.1534958254088097 | 1964061.2271371009 | 3624174.753136253 | 0.4012280155053496 | 2586427.557137589 | 0 | 0 | 3352038.742157005 | 0 | 0 | 2586843.8474625833 | 7853772.406623306 | 0.7259184186463459 | 4550488.78427469 | 10489371.373894274 Impôts sur le revenu | 647052.5536985113 | 1.6904202958585044 | 240502.4057744996 | 638805.1333745802 | 0.8755323253285261 | 340599.37264087645 | 0 | 0 | 564964.1442540897 | 0 | 0 | 247688.71831084974 | 1285857.6870730915 | 1.2127925517274023 | 581101.7784153761 | 1393754.6409803154 BÉNÉFICE NET | 3582545.0997885396 | 1.0785743169219322 | 1723558.8213626014 | 2985369.619761673 | 0.32929564263647837 | 2245828.1844967124 | 0 | 0 | 2787074.597902915 | 0 | 0 | 2339155.1291517336 | 6567914.719550215 | 0.6546420668619986 | 3969387.0058593135 | 9095616.73291396 Marge nette en % Revenu d'intérêt | 0.8544615134988002 | 0.027285677124814667 | 0.8271758363739855 | 0.8433257412122186 | 0.8338718686867325 | #DIV/0! | 0.8309495561201606 | #DIV/0! | 0.8511384415908967 | 0.8487185952088453 | 0.8305774006775621 Frais d'exploitation en % Produit net bancaire | 0.5084630659520337 | -0.1104822916096192 | 0.6189453575616529 | 0.5852323627162406 | 0.6292347164576425 | #DIV/0! | 0.5611819153764842 | #DIV/0! | 0.6045205170567433 | 0.5464274555401712 | 0.6242677857582981 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 8339257.59272 | 0.2103505305905342 | 6889952.44101 | 14512521.174284998 | 0.148940669398309 | 12631218.96615 | -0.06952042611962546 | 13574955.668800002 | 0.10221107109532396 | 10525297.092449998 Intérêts sur Bons B.R.H. | 379574.96153 | 0.12631358339388876 | 337006.46705 | 747737.0439599999 | 0.24988393343258522 | 598245.1841800001 | -0.24733858811055026 | 794839.71774 | 0.3764514871167556 | 1539552.70363 Autres | 3817869.348394489 | 0.9207084675294881 | 1987740.15574848 | 4482995.722508347 | 0.21377301091073125 | 3693438.2971200002 | 0.3612765291233488 | 2713216.76243 | 0.045313730158228135 | 1393004.38575 12536701.902644489 | 0.36051126746867507 | 9214699.06380848 | 19743253.940753344 | 0.16665885193519647 | 16922902.44745 | -0.009372451422722501 | 17083012.14897 | 0.1214532954883421 | 13457854.181829998 Dépenses d'intérêt | 1896569.87528 | 0.21483235766645054 | 1561178.2673644673 | 3225319.851868875 | 0.08196661665972073 | 2980979.0821700003 | -0.22792589175848493 | 3861001.230775 | -0.06481787968917979 | 2914911.08888 10640132.027364489 | 0.390227100749255 | 7653520.796444013 | 16517934.08888447 | 0.1847672416576028 | 13941923.36528 | 0.054448029996278305 | 13222010.918195 | 0.18681063082400412 | 10542943.092949998 AUTRES REVENUS Commissions | 3493168.458500001 | 0.20695427516286788 | 2894201.15607 | 6257166.31639 | 0.21217951411545213 | 5161913.927374 | 0.10514798524840199 | 4670789.791300001 | 0.035991983616458355 | 4299968.790990001 Gains sur change | 2925384.7760041915 | 0.2580373356080118 | 2325356.08698 | 5764516.767164173 | 0.34233545924766434 | 4294393.571629999 | 1.2328472843031368 | 1923281.3644799998 | 0.2911084900348542 | 2144150.21507 Autres | 3673877.222962856 | 1.0412545356616214 | 1799813.3788700001 | 3992492.8310800004 | -0.03200602339378654 | 4124501.7299360465 | 0.09439590354753521 | 3768747.4126742273 | -0.834444320179241 | 1601609.7443873635 10092430.45746705 | 0.4377970620258372 | 7019370.62192 | 16014175.914634174 | 0.1791768549777389 | 13580809.228940045 | 0.3105323748774103 | 10362818.568454228 | -0.48043238633924795 | 8045728.7504473645 PRODUIT NET BANCAIRE | 20732562.484831538 | 0.4129841142887134 | 14672891.418364013 | 32532110.00351864 | 0.1820087228675323 | 27522732.594220046 | 0.1669676310273925 | 23584829.48664923 | -0.23719556381534496 | 18588671.843397364 Dotation à la provision pour créances douteuses | 1549948.7127941248 | 0.6101871042572979 | 962589.1976752862 | 2465404.070704308 | 0.3455856938562178 | 1832216.32183 | 0.3245863568184085 | 1383236.59488 | 0.7516557642478882 | 713683.11167 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 19182613.772037413 | 0.39913865232606 | 13710302.220688727 | 30066705.932814334 | 0.170342612582194 | 25690516.272390045 | 0.1571474352146264 | 22201592.89176923 | -0.2540097189914074 | 17874988.731727365 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 5166021.272670001 | 0.15447750177340538 | 4474769.98446 | 9367074.65776 | 0.21844878818332808 | 7687704.849479999 | 0.13489467968461985 | 6773936.812899999 | 0.121465999512354 | 5564225.30071 Frais de locaux | 761286.35635 | 0.1819987512994288 | 644066.9717400977 | 1318169.8554784514 | 0.0325115557084071 | 1276663.5377500001 | 0.2336156045659248 | 1034895.7430700001 | 0.05854950379052781 | 839056.40617 Amortissement | 646588.4519233283 | 0.04071535730951385 | 621292.31339 | 1255700.0355600002 | 0.021619484119319063 | 1229126.9450899998 | 0.2975693199377427 | 947253.39618 | 0.17337981531807783 | 915571.8034900001 Autres dépenses d'exploitation | 4754945.284470778 | 0.39046328623001825 | 3419684.1668239404 | 7636390.010121608 | 0.28913567867358847 | 5923651.122571371 | 0.02119070775629513 | 5800729.557739999 | 0.0553271902395891 | 4857435.3668 11328841.365414107 | 0.23679826494907522 | 9159813.436414037 | 19577334.55892006 | 0.2146898716663683 | 16117146.454891369 | 0.1071890307286832 | 14556815.509889998 | 0.09329167793133764 | 12176288.87717 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 7853772.406623306 | 0.7259184186463459 | 4550488.78427469 | 10489371.373894274 | 0.09568224918265301 | 9573369.817498676 | 0.25227581383741465 | 7644777.381879233 | -0.5556274509417913 | 5698699.854557365 Impôts sur le revenu | 1285857.6870730915 | 1.2127925517274023 | 581101.7784153761 | 1393754.6409803154 | 0.24739744363036792 | 1117330.0443233203 | 0.39497735244855886 | 800966.4403240001 | 0.47219818940911573 | 433976.05940499995 BÉNÉFICE NET | 6567914.719550215 | 0.6546420668619986 | 3969387.0058593135 | 9095616.73291396 | 0.07563551933228822 | 8456039.773175357 | 0.2355747178565033 | 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 31 MARS 2023 Actif | 125457686.00213 | 5840463.377616241 | 51638244.06605551 | 54378964 | 181715415.53643 | 262432974.8710572 | 681463747.8532889 | 13013012.62393 | 13013012.62393 | 6003214 | 6003214 | 700479974.4772189 Bons B.R.H. | 0 | 0 | 0 | 700000 | 0 | 0 | 700000 | 0 | 0 | 0 | 0 | 700000 Prêts | 20335518 | 456077.34227624023 | 17094592.77779457 | 16072830 | 42190618.89283 | 57691121.15658 | 153840758.1694808 | 5641275.62442 | 5641275.62442 | 96667 | 96667 | 159578700.7939008 Dépôts | 98624696 | 4982859.93987 | 43003515.40254782 | 44146132 | 150572362.03678524 | 222440542.80938613 | 563770108.1885892 | 9252593.833378673 | 9252593.833378673 | 4412361 | 4412361 | 577435063.0219679 Avoir des Actionnaires | 10512131 | -344951.5036500001 | 3184523.055779882 | 4757001 | 10979046.610420005 | 20689090.10583 | 49776840.26837988 | 976767.8235200001 | 976767.8235200001 | 477772 | 477772 | 51231380.09189988 AU 30 SEPTEMBRE 2022 Actif | 120274655.00213 | 5654908.94470912 | 45411624.72350161 | 45776286 | 156974593.89408997 | 218706707.19635114 | 592798775.7607818 | 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 | 500181298.4667901 Avoir des Actionnaires | 9842604 | -350989.49713 | 3402337.9337179996 | 4681685 | 9676881.012829997 | 16466371.96907 | 43718890.418487996 | 952134.0609299999 | 952134.0609299999 | 471172 | 471172 | 45142196.479417995 VARIATION Mars. 23/Sept. 22 Actif | 0.04309329342834707 | 0.03281298332499763 | 0.13711509730087842 | 0.18792870177366508 | 0.15761035610025245 | 0.1999310777215871 | 0.14957009986857162 | 0.10755640277852471 | 0.10755640277852471 | 0.061731761962671106 | 0.061731761962671106 | 0.14794722054919754 Bons B.R.H. | -1 | 0 | 0 | 0 | - | 0 | -0.125 | 0 | 0 | 0 | 0 | -0.125 Prêts | -0.07706679465316 | 0.4703595148671387 | 0.11591765255219608 | 0.10768595251489685 | 0.05560369105237408 | 0.10477946217086481 | 0.06566911568211303 | 0.11556555437156202 | 0.11556555437156202 | 0 | 0 | 0.0673142565567221 Dépôts | 0.07091270829777865 | 0.0622886187509474 | 0.13831505456392454 | 0.19222835579708164 | 0.16422863754894998 | 0.18858138963702678 | 0.15509753109098856 | 0.15342844657404914 | 0.15342844657404914 | 0.07933252218786188 | 0.07933252218786188 | 0.15445152546083674 Avoir des Actionnaires | 0.06802336048468474 | 0.017202775380379908 | -0.06401917804211016 | 0.01608737025237708 | 0.13456459740111978 | 0.2564449621745361 | 0.1385659560868013 | 0.02587215771478553 | 0.02587215771478553 | 0.014007623542994915 | 0.014007623542994915 | 0.13488895285053684 RÉSULTATS TRIM 2 2023 (Janv.-Mars.23) Revenus nets d'intérêt | 1312266 | 45718.26804999999 | 351884.8770971891 | 532277 | 1317069.7804999999 | 1724234.2299499994 | 5283450.1555971885 | 152068.55371498704 | 152068.55371498704 | 16922 | 16922 | 5452440.709312175 Autres revenus | 196417 | 4475.1115500000005 | 528747.9188167099 | 728873 | 954200.1720400001 | 2306082.8515300006 | 4718796.053936711 | 23916.04149 | 23916.04149 | 57632 | 57632 | 4800344.09542671 Dot. à la provision pr créances dout. | 0 | 9000 | 48889.89295412495 | 35185 | 410080.80794999993 | 111692.875 | 614848.5759041249 | 13499.999999999998 | 13499.999999999998 | 0 | 0 | 628348.5759041249 Frais d'exploitation | 1113924 | 55861.850880000005 | 615096.2732385064 | 749841 | 1433571.6948699998 | 1875732.4281699997 | 5844027.247158506 | 97347.92853999994 | 97347.92853999994 | 58886.3 | 58886.3 | 6000261.4756985055 Bénéfice net | 394759 | -14668.471280000012 | 151652.64080488743 | 365236 | 269617.4497200004 | 1758421.5338500005 | 2925018.1530948887 | 47549.766666787065 | 47549.766666787065 | 12801.699999999997 | 12801.699999999997 | 2985369.619761676 TRIM 2 2022 (Janv.-Mars.22) Revenus nets d'intérêt | 1036374.0030700001 | 44081.29787 | 359977.86742401274 | 384947 | 1043242.5093600003 | 929695.06788 | 3798317.745604013 | 99778.36661999999 | 99778.36661999999 | 5291 | 5291 | 3903387.112224013 Autres revenus | 288271 | 8307.09132 | 252149.8255799996 | 619934 | 893017.80578 | 1547872.7508800002 | 3609552.47356 | 14121.427780000004 | 14121.427780000004 | 62859 | 62859 | 3686532.90134 Dot. à la provision pr créances dout. | 50000 | 9000 | -34078.36208471388 | 23478 | 312578.84012 | -139327.18928 | 221651.28875528614 | 6000 | 6000 | 0 | 0 | 227651.28875528614 Frais d'exploitation | 835254 | 47717.08526 | 518275.6287911377 | 563850 | 1154956.52511 | 1511743.91518 | 4631797.154341137 | 71539.01333 | 71539.01333 | 72505 | 72505 | 4775841.1676711375 Bénéfice net | 439391.0030700001 | -4328.696069999998 | 89551.298408312 | 343487 | 361724.9499100002 | 992461.2590000002 | 2222286.8143183123 | 26543.370178399997 | 26543.370178399997 | -3002 | -3002 | 2245828.1844967124 VARIATION TRIM 2 23 / TRIM 2 22 Revenus nets d'intérêt | 0.266208913107371 | 0.037135253703908 | -0.0224819108595114 | 0.3827280119081328 | 0.2624771025751097 | 0.8546234023611645 | 0.3909974123971052 | 0.5240633703108324 | 0.5240633703108324 | 2.198261198261198 | 2.198261198261198 | 0.39684857088272907 Autres revenus | -0.31863767080282096 | -0.46129019441187497 | 1.0969592883932175 | 0.17572677091432315 | 0.06851192200648311 | 0.48984007258926227 | 0.30730778635355177 | 0.693599391123324 | 0.693599391123324 | -0.08315436134841471 | -0.08315436134841471 | 0.3021297310765507 Dot. à la provision pr créances dout. | 0 | 0 | 2.434631536357051 | 0.4986370218928358 | 0.31192760134553127 | 1.801658854794921 | 1.7739454137934103 | 1.2499999999999998 | 1.2499999999999998 | 0 | 0 | 1.760136256375726 Frais d'exploitation | 0.33363503796449945 | 0.17068866582317324 | 0.18681303744341582 | 0.3298590050545358 | 0.24123433540796174 | 0.2407739229740246 | 0.2617191669719841 | 0.3607669998319214 | 0.3607669998319214 | -0.18783118405627194 | -0.18783118405627194 | 0.25637793742299786 Bénéfice net | -0.10157696165410492 | -2.3886581646745224 | 0.6934722723217522 | 0.06331826240876656 | -0.2546340809858895 | 0.771778513170155 | 0.31621991106136293 | 0.791398995199234 | 0.791398995199234 | 5.264390406395735 | 5.264390406395735 | 0.3292956426364798 RÉSULTATS CUMUL 2023 (Octobre - Mars 2023) Revenus nets d'intérêt | 2498006 | 98998.82912 | 647395.039204489 | 1053836 | 2756135.42626 | 3297727.7948699994 | 10352099.089454487 | 258571.93791000004 | 258571.93791000004 | 29461 | 29461 | 10640132.027364487 Autres revenus | 460216 | 6682.79434 | 794619.5294870478 | 1580190 | 2068953.41382 | 5007952.3676700005 | 9918614.105317049 | 43121.35215 | 43121.35215 | 130695 | 130695 | 10092430.45746705 Dot. à la provision pr créances dout. | 0 | 18000 | 156186.88999412494 | 173735 | 979311.83393 | 214115.853 | 1541349.5769241247 | 8599.13587 | 8599.13587 | 0 | 0 | 1549948.7127941248 Frais d'exploitation | 2160354 | 105967.6762 | 1144215.3555541064 | 1411867 | 2688054.8195499997 | 3488821.82393 | 10999280.675234105 | 178632.73355999994 | 178632.73355999994 | 150927.95662 | 150927.95662 | 11328841.365414105 Bénéfice net | 797868 | -18286.05274 | 99128.62620031388 | 798285 | 832722.1866000011 | 3968278.07905 | 6477995.839110315 | 83556.83705990006 | 83556.83705990006 | 6362.043379999988 | 6362.043379999988 | 6567914.719550215 CUMUL 2022 (Octobre - Mars 2022) Revenus nets d'intérêt | 2061004.0070500001 | 81912.65393999999 | 689152.6063240126 | 767881 | 2058350.3099700003 | 1802599.78315 | 7460900.360434014 | 178369.43601 | 178369.43601 | 14251 | 14251 | 7653520.796444015 Autres revenus | 836283 | 11613.93779 | 512426.4009299995 | 1120468 | 1628491.74976 | 2740176.4789000005 | 6849459.56738 | 28425.054540000005 | 28425.054540000005 | 141486 | 141486 | 7019370.62192 Dot. à la provision pr créances dout. | 320000 | 18000 | 94455.5803652861 | 45102 | 624214.32761 | -127346.98127999999 | 974424.9266952863 | -11835.729019999999 | -11835.729019999999 | 0 | 0 | 962589.1976752863 Frais d'exploitation | 1708658 | 100780.93480999999 | 946299.3682211378 | 1054103 | 2137479.81259 | 2917699.08959 | 8865020.205211138 | 141575.12685 | 141575.12685 | 458821.2138858 | 458821.2138858 | 9465416.545946937 Bénéfice net | 868629.0070500001 | -25254.343080000006 | 112576.84106731205 | 659245 | 698147.9195300001 | 1598056.467800001 | 3911400.8923673127 | 56250.217844900035 | 56250.217844900035 | -299442.2138858 | -299442.2138858 | 3668208.896326413 VARIATION CUMUL 23/ CUMUL 22 Revenus nets d'intérêt | 0.21203354843327005 | 0.20859017939420468 | -0.06059262743307521 | 0.372394941403681 | 0.3390021187890849 | 0.8294287094095278 | 0.3875133816761341 | 0.44964262765008467 | 0.44964262765008467 | 1.0672935232615255 | 1.0672935232615255 | 0.3902271007492544 Autres revenus | -0.4496886819414002 | -0.4245884160190598 | 0.5506998235159192 | 0.41029462688805035 | 0.27047214953647336 | 0.8276021293637124 | 0.448087109317887 | 0.5170191525690557 | 0.5170191525690557 | -0.07626903015139307 | -0.07626903015139307 | 0.4377970620258372 Dot. à la provision pr créances dout. | -1 | 0 | 0.6535485716154262 | 2.8520464724402466 | 0.5688711242492653 | 2.6813578998721597 | 0.5818043388437683 | 1.7265404484564653 | 1.7265404484564653 | 0 | 0 | 0.6101871042572977 Frais d'exploitation | 0.26435717387563806 | 0.051465501880672726 | 0.20914733115061981 | 0.33940136779802355 | 0.2575813833267803 | 0.19574422063525923 | 0.2407507733336447 | 0.2617522409092578 | 0.2617522409092578 | -0.6710527934360816 | -0.6710527934360816 | 0.19686664716991048 Bénéfice net | -0.08146286444003933 | 0.27592443477646794 | -0.11945809404047143 | 0.21090793255921547 | 0.1927589602509991 | 1.4831901494150679 | 0.6561830447376136 | 0.48544912822014613 | 0.48544912822014613 | 1.0212463142635804 | 1.0212463142635804 | 0.7904963717109348 0 | 0 [sysratfinclé mars 23] 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 2023 | 0.08379025100001866 | -0.05906235196543438 | 0.06166985561527321 | 0.08747869856439339 | 0.06041890600205542 | 0.07883571077908672 | 0.07304400333133532 | 0.07506085268247523 | 0.07506085268247523 | 0.07958603508054185 | 0.07958603508054185 | 0.07313753705826466 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 Dépôts en % de l'actif Au 31 mars 2023 | 0.7861192019620509 | 0.8531617472283051 | 0.8327842315385054 | 0.8118237044751349 | 0.8286163372121764 | 0.8476089672750888 | 0.8272928823646863 | 0.7110262704551453 | 0.7110262704551453 | 0.7349997851151067 | 0.7349997851151067 | 0.8243419998593368 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 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2023 | 0.32293642100114306 | 0.8990194311367232 | 0.228963731225407 | 0.00929524304259444 | 0.10715723510460648 | 0.00233734323813193 | 0.11267581592487286 | 0.0759143930602332 | 0.0759143930602332 | 0 | 0 | 0.11134241262413326 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 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2023 | 0.48628585042232236 | 0.7892794220038946 | 0.3108363460407084 | 3.0377385489976714 | 0.6779607864836891 | 7.972499442770248 | 0.596270084559007 | 0.5847376336200403 | 0.5847376336200403 | 0 | 0 | 0.5959985117322967 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 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2023 | 0.3807112944083364 | 0.8624348111365049 | 0.9119421798402496 | -0.06585787978602485 | 0.1430003498190759 | -0.046307119696870055 | 0.15071980012614136 | 0.1905250079894646 | 0.1905250079894646 | 0 | 0 | 0.15007314071472166 Au 30 septembre 2022 | 0.16951337268064426 | 0.43736044774056343 | 0.32433516656661493 | -0.048604081650089656 | -0.11253186734818964 | -0.03944924059046916 | 0.021944001664773515 | 0.16164521078016045 | 0.16164521078016045 | #REF! | #REF! | 0.02466152296339709 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2023 (janvier-mars 2023) | 0.012474169025777365 | -0.009800519885492914 | 0.011978860754924808 | 0.02726025494390717 | 0.0059854804351975 | 0.027531513668261513 | 0.01739884891788083 | 0.014622817743859819 | 0.014622817743859819 | 0.008328292837236836 | 0.008328292837236836 | 0.017065036390414463 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 CUMUL 2023 (octobre-mars 2023) | 0.012987594497969124 | -0.0063629266550980145 | 0.004085677907108328 | 0.0318819033450568 | 0.009834623560348374 | 0.03299065304278136 | 0.020334886160623754 | 0.013497420499961423 | 0.013497420499961423 | 0.002183008568130107 | 0.002183008568130107 | 0.020044262773374892 CUMUL 2022 (octobre - 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 ROE (rendement de l'avoir des actionn.) TRIM 2 2023 (janvier-mars 2023) | 0.1521387288583535 | -0.1677454515043801 | 0.19071824004332602 | 0.30794810590954197 | 0.098807160504061 | 0.3574729135761009 | 0.24101517313269746 | 0.19231589927285853 | 0.19231589927285853 | 0.10861105543412668 | 0.10861105543412668 | 0.23602411452835267 TRIM 2 2022 (janvier-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 CUMUL 2023 (octobre-mars 2023) | 0.1567926086976814 | 0.10510116644661124 | 0.060197794584318676 | 0.33830344605170676 | 0.16125582966561164 | 0.4272080450567972 | 0.2771461666332619 | 0.1732733794984604 | 0.1732733794984604 | 0.02681736068724809 | 0.02681736068724809 | 0.2726023025487639 CUMUL 2022 (octobre - 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2023 (janvier-mars 2023) | 0.8929713177503318 | 0.8113283262966033 | 0.7260956274955812 | 0.82591431719087 | 0.8386410207466267 | 0.851717777207179 | 0.845366004314531 | 0.7701144708119058 | 0.9378186654843715 | 0.9378186654843715 | 0.9378186654843715 | 0.8458967774270696 TRIM 2 2022 (janvier-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 CUMUL 2023 (octobre-mars 2023) | 0.8910159554963925 | 0.8232333119899784 | 0.7224701159109226 | 0.8257375595109369 | 0.8507762529410452 | 0.8623531534158136 | 0.8513391280246406 | 0.7488980800016366 | 0.7488980800016366 | 0.9308666940503649 | 0.9308666940503649 | 0.8487185952088453 CUMUL 2022 (octobre - 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 Rendement moyen des prêts TRIM 2 2023 (janvier-mars 2023) | 0.0805737371297326 | 0.01555734666703605 | 0.0901905240775977 | 0.13758007705058187 | 0.10461532673406028 | 0.09559326437023316 | 0.09871617300309984 | 0.10546866632077467 | 0.10546866632077467 | 0.24347502249992242 | 0.24347502249992242 | 0.09557825374700764 TRIM 2 2022 (janvier-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 CUMUL 2023 (octobre-mars 2023) | 0.07223297041880493 | 0.02451735215135307 | 0.0888272247584062 | 0.14625839728376752 | 0.11461106693417886 | 0.09648258901158396 | 0.10113427112201723 | 0.0976627799751341 | 0.0976627799751341 | 0.24620604756535322 | 0.24620604756535322 | 0.10110162161747979 CUMUL 2022 (octobre - 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 Rendement moyen des prêts productifs TRIM 2 2023 (janvier-mars 2023) | 0.1168042380882673 | 0.14501270214608075 | 0.11749320065310036 | 0.1389493928754054 | 0.11617453341410951 | 0.09624681936865803 | 0.11109595593761727 | 0.11481843130506011 | 0.11481843130506011 | 0.24347502249992242 | 0.24347502249992242 | 0.10743364242943305 TRIM 2 2022 (janvier-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 CUMUL 2023 (octobre-mars 2023) | 0.09797465311506968 | 0.2269837032763427 | 0.1077287997682746 | 0.1474599843426003 | 0.12390232969052152 | 0.09667026246235086 | 0.11119401969323293 | 0.10543419534216984 | 0.10543419534216984 | 0.24620604756535322 | 0.24620604756535322 | 0.11108226593021706 CUMUL 2022 (octobre - 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 Rémunération moyenne des dépôts TRIM 2 2023 (janvier-mars 2023) | 0.006348543457685431 | 0.008361620481169743 | 0.012446419817858323 | 0.010340124932078214 | 0.0067847706264383524 | 0.0055269980924393825 | 0.006941659257316104 | 0.01956349508823465 | 0.01956349508823465 | 0.0009736366402376819 | 0.0009736366402376819 | 0.0067884508363516005 TRIM 2 2022 (janvier-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 CUMUL 2023 (octobre-mars 2023) | 0.006408221429593764 | 0.00878985967783203 | 0.012314195717769118 | 0.010959122276801016 | 0.006908328833656071 | 0.005140533390345614 | 0.006874358455884143 | 0.020075455695721795 | 0.020075455695721795 | 0.001029597759260233 | 0.001029597759260233 | 0.0070398703770972225 CUMUL 2022 (octobre - 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2023 (janvier-mars 2023) | 0.7383419843664971 | 1.112932648193309 | 0.6984707770282104 | 0.5945692423581652 | 0.6311762691470523 | 0.46540567162551866 | 0.5842714850978293 | 0.5531616470555787 | 0.3346105375382952 | 0.7898476272232208 | 0.7898476272232208 | 0.5872910868935428 TRIM 2 2022 (janvier-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 CUMUL 2023 (octobre-mars 2023) | 0.7302879905564896 | 1.0027067405915493 | 0.7934839081357902 | 0.5360110340596486 | 0.5570995495920095 | 0.4200525129374915 | 0.5426193232348218 | 0.5921004524975477 | 0.5921004524975477 | 0.9423809074901971 | 0.9423809074901971 | 0.5464274555401711 CUMUL 2022 (octobre - 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 Productivité par employé ('000) TRIM 2 2023 (janvier-mars 2023) | 7112.235710076606 | 1580.893845669291 | 7346.258985725956 | 6235.599505562423 | 7886.354001875 | 12008.393538860335 | 8343.896733709196 | 9577.392936325825 | 9577.392936325825 | 14910.8 | 14910.8 | 8368.799842979308 TRIM 2 2022 (janvier-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 CUMUL 2023 (octobre-mars 2023) | 6976.938679245283 | 1690.90597536 | 5964.899973905012 | 6593.306633291614 | 8311.953212885444 | 12368.84610951601 | 8518.001132375897 | 8153.872704324325 | 8153.872704324325 | 15252.952380952382 | 15252.952380952382 | 8541.585120952328 CUMUL 2022 (octobre - 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 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. 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 décembre 2022 | 0.08022561553217938 | -0.057817970658494214 | 0.06399436943450135 | 0.08959685923254061 | 0.06073860748175987 | 0.07509661772516678 | 0.07131251742785394 | 0.07701086267678488 | 0.07701086267678488 | 0.07390810975020719 | 0.07390810975020719 | 0.07144495193883076 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 Dépôts en % de l'actif Au 31 décembre 2022 | 0.7796794975836135 | 0.846052176154688 | 0.852436025563958 | 0.8077861760532389 | 0.8297258187526412 | 0.8532835197444018 | 0.8290205829997999 | 0.7161010027760055 | 0.7161010027760055 | 0.7637105138725767 | 0.7637105138725767 | 0.8262683269144961 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 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2022 | 0.2981704543489519 | 0.8862416427797208 | 0.23586523452058458 | 0.010414763184881319 | 0.09221697164260782 | 0.011291345643897582 | 0.11021120043127976 | 0.08703761573150567 | 0.08703761573150567 | 0 | 0 | 0.10937447262631274 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 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2022 | 0.490875822346351 | 0.8058952107256309 | 0.2749530279249567 | 2.689859518248684 | 0.7261437399763181 | 1.4402901001321995 | 0.5747351364534472 | 0.4867342616756395 | 0.4867342616756395 | 0 | 0 | 0.5723920608954655 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 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2022 | 0.37957602365008664 | 0.7413884181499935 | 0.9692580827003553 | -0.061476815731666516 | 0.11136920219184251 | -0.015492899917854087 | 0.16611686675426135 | 0.25916030487280994 | 0.25916030487280994 | 0 | 0 | 0.1664425096043563 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 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2023 (octobre - décembre 2022) | 0.01300425564097543 | -0.00245507917716481 | -0.004420582788063823 | 0.03514215386052373 | 0.013422389336919917 | 0.037837659694226165 | 0.02262574865899051 | 0.011638508897102141 | 0.011638508897102141 | -0.004311778726999967 | -0.004311778726999967 | 0.02216650120420597 TRIM 1 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 2023 (octobre- décembre 2022) | 0.01300425564097543 | -0.00245507917716481 | -0.004420582788063823 | 0.03514215386052373 | 0.013422389336919917 | 0.037837659694226165 | 0.02262574865899051 | 0.011638508897102141 | 0.011638508897102141 | -0.004311778726999967 | -0.004311778726999967 | 0.02216650120420597 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 ROE (rendement de l'avoir des actionn.) TRIM 1 2023 (octobre - décembre 2022) | 0.16053470283249713 | -0.041015861859048396 | -0.06386731162757432 | 0.3680460030944662 | 0.2194524671932197 | 0.5032472402782824 | 0.3122399712629633 | 0.1474678121376334 | 0.1474678121376334 | -0.055019873101515536 | -0.055019873101515536 | 0.30515174781371207 TRIM 1 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 2023 (octobre- décembre 2022) | 0.16053470283249713 | 0.041015861859048396 | -0.06386731162757432 | 0.3680460030944662 | 0.2194524671932197 | 0.5032472402782824 | 0.3122399712629633 | 0.1474678121376334 | 0.1474678121376334 | -0.055019873101515536 | -0.055019873101515536 | 0.30515174781371207 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2023 (octobre - décembre 2022) | 0.8888619023416827 | 0.8337306452253245 | 0.7181999081704018 | 0.8255572474618768 | 0.8621946593657374 | 0.8743166236176858 | 0.8576559001870077 | 0.7205542261597033 | 0.7205542261597033 | 0.9216464535097391 | 0.9216464535097391 | 0.8544615134988002 TRIM 1 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 2023 (octobre- décembre 2022) | 0.8888619023416827 | 0.8337306452253245 | 0.7181999081704018 | 0.8255572474618768 | 0.8621946593657374 | 0.8743166236176858 | 0.8576559001870077 | 0.7205542261597033 | 0.7205542261597033 | 0.9216464535097391 | 0.9216464535097391 | 0.8544615134988002 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 Rendement moyen des prêts TRIM 1 2023 (octobre - décembre 2022) | 0.06208396589923204 | 0.03299356824698987 | 0.0832994985485418 | 0.14760224398534552 | 0.11554462354216807 | 0.09343527434788128 | 0.09834275175849341 | 0.08559285852387816 | 0.08559285852387816 | 0.24893707263078405 | 0.24893707263078405 | 0.0980052777411061 TRIM 1 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 2023 (octobre- décembre 2022) | 0.06208396589923204 | 0.03299356824698987 | 0.0832994985485418 | 0.14760224398534552 | 0.11554462354216807 | 0.09343527434788128 | 0.09834275175849341 | 0.08559285852387816 | 0.08559285852387816 | 0.24893707263078405 | 0.24893707263078405 | 0.0980052777411061 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 Rendement moyen des prêts productifs TRIM 1 2023 (octobre - décembre 2022) | 0.08301307777634459 | 0.2871366057320032 | 0.1013964575528055 | 0.14890335385751055 | 0.12396670809013541 | 0.09405852332098852 | 0.10799483952044137 | 0.09298688287589536 | 0.09298688287589536 | 0.24893707263078405 | 0.24893707263078405 | 0.10757928235406083 TRIM 1 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 2023 (octobre- décembre 2022) | 0.08301307777634459 | 0.2871366057320032 | 0.1013964575528055 | 0.14890335385751055 | 0.12396670809013541 | 0.09405852332098852 | 0.10799483952044137 | 0.09298688287589536 | 0.09298688287589536 | 0.24893707263078405 | 0.24893707263078405 | 0.10757928235406083 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 Rémunération moyenne des dépôts TRIM 1 2023 (octobre - décembre 2022) | 0.006188120374505706 | 0.00860405572004989 | 0.011581209662404434 | 0.011064381347732246 | 0.006629404054079213 | 0.004532782905914557 | 0.006482936175933769 | 0.01906511564790731 | 0.01906511564790731 | 0.000958769968284591 | 0.000958769968284591 | 0.006641663137465677 TRIM 1 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 2023 (octobre- décembre 2022) | 0.006188120374505706 | 0.00860405572004989 | 0.011581209662404434 | 0.011064381347732246 | 0.006629404054079213 | 0.004532782905914557 | 0.006482936175933769 | 0.01906511564790731 | 0.01906511564790731 | 0.000958769968284591 | 0.000958769968284591 | 0.006641663137465677 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2023 (octobre - décembre 2022) | 0.721905378192653 | 0.9029989387737669 | 0.9425298575292057 | 0.4822183503827003 | 0.4912185162387916 | 0.37729880835291857 | 0.5020470373510476 | 0.6466124329247901 | 0.6466124329247901 | 1.0752278757505664 | 1.0752278757505664 | 0.5084630659520337 TRIM 1 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 2023 (octobre- décembre 2022) | 0.721905378192653 | 0.9029989387737669 | 0.9425298575292057 | 0.4822183503827003 | 0.4912185162387916 | 0.37729880835291857 | 0.5020470373510476 | 0.6466124329247901 | 0.6466124329247901 | 1.0752278757505664 | 1.0752278757505664 | 0.5084630659520337 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 Productivité par employé ('000) TRIM 1 2023 (octobre - décembre 2022) | 6785.437097717963 | 1775.6238035200001 | 4649.124412237167 | 6779.634567901235 | 8716.105418225256 | 12663.052442976674 | 8565.978715526706 | 6573.0036525497 | 6573.0036525497 | 16305.142857142857 | 16305.142857142857 | 8568.034894301605 TRIM 1 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 2023 (octobre- décembre 2022) | 6785.437097717963 | 1775.6238035200001 | 4649.124412237167 | 6779.634567901235 | 8716.105418225256 | 12663.052442976674 | 8565.978715526706 | 6573.0036525497 | 6573.0036525497 | 16305.142857142857 | 16305.142857142857 | 8568.034894301605 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 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. 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 | 0.437360447740563 | 0.32433516656661493 | -0.048604081650089656 | -0.11253186734818964 | -0.03944924059046916 | 0.021944001664773515 | 0.16164521078016045 | 0.16164521078016045 | 0 | 0 | 0.02466152296339709 Au 30 septembre 2021 | 0.17351669167153894 | 0.314507504586552 | 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 | 0.8423450801784862 | 0.8144197355633667 | 0.8268420647181494 | 0.7220485329128635 | 0.7220485329128635 | 0.9639843695967909 | 0.9639843695967909 | 0.8238494199546021 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 | 0.5559035955188706 | 0.5273483255696426 | 0.5825149390880077 | 0.5871313365281908 | 0.5871313365281908 | 0.8148668377746718 | 0.8148668377746718 | 0.5855939776225589 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 | 0.578712537720837 | 0.4821331693964625 | -0.03878636573960519 | -0.08984148955485266 | -0.03880314185298652 | 0.08908807713653255 | 0.053149354634739146 | 0.053149354634739146 | 0 | 0 | 0.0874223678186483 Au 30 septembre 2021 | 0.17351669167153894 | 0.314507504586552 | 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 | 0.421538594447824 | 0.41231153138547294 | -0.03948923038561661 | -0.05060206003365272 | -0.04006211592461645 | 0.0598448617399591 | 0.0675521262380453 | 0.0675521262380453 | 0 | 0 | 0.05933391971191285 Au 30 septembre 2021 | 0.17351669167153894 | 0.314507504586552 | 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 | 0.308429404930284 | -0.057524902065865635 | -0.03688590534316315 | -0.08747310755687124 | -0.05325811370584367 | 0.006453365711147582 | 0.05360292830474964 | 0.05360292830474964 | 0 | 0 | 0.007435327475448581 Au 30 septembre 2021 | 0.17351669167153894 | 0.314507504586552 | 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 | 0.314507504586552 | 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 | 0.0315947534551971 | -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 | 10.4837736889378 | 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 | 0.829648756412417 | -0.0734147220346416 | -0.04765981217444394 | -0.08463506167649712 | -0.06691681623902972 | 0.11154719169151828 | 0.41277475077025183 | 0.41277475077025183 | 0 | 0 | 0.116449216102434 Au 30 septembre 2019 | 0.5889828175113131 | 10.4837736889378 | 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 | 12.2218118448314 | -0.1113479378397061 | 0.005013532448269014 | -0.1668649038445832 | -0.028104007912528088 | 0.08117999520295544 | 0.6789100051581731 | 0.6789100051581731 | 0 | 0 | 0.09264077844295279 Au 30 septembre 2019 | 0.5889828175113131 | 10.4837736889378 | 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 | 12.683212813852 | -0.026806988526566714 | -0.0055743027876959785 | -0.080584939165063 | -0.0232824582826041 | 0.11452112368370644 | 0.6680983058800134 | 0.6680983058800134 | 0 | 0 | 0.12515247583713598 Au 30 septembre 2019 | 0.5889828175113131 | 10.4837736889378 | 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 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. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2017 | 0.08102107582265142 | -0.01174894809648042 | 0.08162506837054122 | 0.08651993424157746 | 0.07946894976397167 | 0.13682085071269867 | 0.10274779831155015 | 0.08992051528136087 | 0.08992051528136087 | 0.0640527220129743 | 0 | 0.0640527220129743 | 0.101685765232157 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 juin 2017 | 0.7935861776006404 | 0.8658293811261846 | 0.7595661331068647 | 0.8209516379773892 | 0.8271017810729085 | 0.7941601146396632 | 0.8029045000896806 | 0.6244917837809718 | 0.6244917837809718 | 0.8306234564943674 | 0 | 0.8306234564943674 | 0.7992623149106796 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2017 | 0.07213809638017675 | 0.5455303337022512 | 0.005977766301569762 | 0.011136216357939217 | 0.035500500020747706 | 0.0035450139074200714 | 0.03473618647419924 | 0.11483555104987128 | 0.11483555104987128 | 0 | 0 | 0 | 0.038368529588421026 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2017 | 0.37938610194472794 | 0.8254684050277725 | 1.0000100626631443 | 0.5292129824474537 | 1.2011860140913466 | 2.026691708702309 | 0.8052393477636457 | 0.24652784587111465 | 0.24652784587111465 | 0 | 0 | 0 | 0.7242478782185418 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2017 | 0.12771973756780336 | -3.0966442132034366 | -3.661017580394584e-07 | 0.02257616256879013 | -0.028339436056358046 | -0.006023138354832103 | 0.01816720069176477 | 0.5551045407449487 | 0.5551045407449487 | 0 | 0 | 0 | 0.02908589736634229 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2017 (avril - juin 2017) | 0.014230351844717829 | 0.002443999470485995 | 0.01836617884435404 | 0.02639552767462581 | 0.011130101508962431 | 0.31171301453004147 | 0.13006363049249164 | 0.015578634987185378 | 0.015578634987185378 | 0.003786341209833135 | 0 | 0.003786341209833135 | 0.12461638838151672 TRIM 3 2016 (avril - juin 2016) | 0.019911545014999327 | -0.02063591790293716 | 0.015339621331204208 | 0.0229429049102063 | 0.014798529592930699 | 0.02453331198642385 | 0.01940820317964486 | 0.013277654846450724 | 0.013277654846450724 | -0.011173411267785907 | 0.009105410782358542 | -0.0003918495410553343 | 0.01821682530186565 CUMUL 2017 (octobre 2016- juin 2017) | 0.01828167673082888 | 0.0068159466344366905 | 0.016136896268359555 | 0.022724676967052413 | 0.010316905137148039 | 0.12763519996776176 | 0.05767046720949124 | 0.015512883379127282 | 0.015512883379127282 | 0.002072180990059106 | -0.020308014028361684 | -0.006054958231891859 | 0.05447122808559555 CUMUL 2016 (octobre 2015 - juin 2016) | 0.022477441615451482 | -0.016622975511305014 | 0.02103870618716056 | 0.026248675726797777 | 0.01606775159678749 | 0.07209049599940802 | 0.03770358005114629 | 0.016001923014604267 | 0.016001923014604267 | -0.0034498343331314523 | 0.009201384165931548 | 0.0030429524924592763 | 0.03523623678118958 ROE (rendement de l'avoir des actionn.) TRIM 3 2017 (avril - juin 2017) | 0.18416184718444123 | -0.4672838999650673 | 0.23553250484975194 | 0.31690221677521596 | 0.14833171437875353 | 2.4017733881242154 | 1.3476321501196276 | 0.18360700778403577 | 0.18360700778403577 | 0.06272951161393699 | 0 | 0.06272951161393699 | 1.3052780541550195 TRIM 3 2016 (avril - juin 2016) | 0.2542310750395305 | -13.5780622457336 | 0.25423236763972035 | 0.2705324976978403 | 0.20251114771001666 | 0.19317294129383694 | 0.21081495913324563 | 0.18449633431881354 | 0.18449633431881354 | -0.15673788322941518 | 0.16462566063684775 | -0.006240380429663563 | 0.20254545206358493 CUMUL 2017 (octobre 2016- juin 2017) | 0.23597500471757352 | -0.9052640435548027 | 0.19871756851326736 | 0.25892594725466433 | 0.13374474294978808 | 0.9623771308329362 | 0.5882223186828521 | 0.18897247989886823 | 0.18897247989886823 | 0.0322527394436632 | -0.35671611124505986 | -0.09830937958351153 | 0.5648603171884249 CUMUL 2016 (octobre 2015 - juin 2016) | 0.2961377240066761 | -1.7252626497284809 | 0.34525407628134047 | 0.2977654568409157 | 0.21928238112032564 | 0.6839046488731917 | 0.44493381128783877 | 0.21727860242280306 | 0.21727860242280306 | -0.04797924461751013 | 0.1724463882294498 | 0.04877680650228625 | 0.42330142448204167 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2017 (avril - juin 2017) | 0.8711427136565073 | 0.6498990629292265 | 0.7019976541419117 | 0.7815971369192667 | 0.7432778573793763 | 0.7209317479900967 | 0.7626086116271422 | 0.5924470532761797 | 0.5924470532761797 | 0.9818373256120032 | 0 | 0.9818373256120032 | 0.7571365221017792 TRIM 3 2016 (avril - juin 2016) | 0.9332635993951712 | 0.662300155287165 | 0.7413061463859962 | 0.7644662243127717 | 0.7277559959814078 | 0.6603661141659318 | 0.7591945386711655 | 0.4594464118233303 | 0.7413061463859962 | 0.5764086174242424 | 0.8951325740855184 | 0.789285924877646 | 0.7449032862656447 CUMUL 2017 (octobre 2016- juin 2017) | 0.8893219115290251 | 0.6695199363350418 | 0.6872821735876505 | 0.7804078268741383 | 0.7361449921850155 | 0.6156612177961783 | 0.7366917956880726 | 0.5377651862182473 | 0.5377651862182473 | 0.8386982708831815 | 0.8934731761341566 | 0.8708959647094261 | 0.7304799281339487 CUMUL 2016 (octobre 2015 - juin 2016) | 0.9166109630114884 | 0.6519413185620322 | 0.7577193294949203 | 0.7952468746564428 | 0.743044164085532 | 0.6827768851366872 | 0.7688462289789834 | 0.5167919970824469 | 0.5167919970824469 | 0.6799548395243294 | 0.9012982044609104 | 0.8118875453808995 | 0.757887610383223 Rendement moyen des prêts TRIM 3 2017 (avril - juin 2017) | 0.09563242642481255 | 0.06590183427389895 | 0.1381647155586286 | 0.1536109587213957 | 0.10578842736935999 | 0.10848757457323976 | 0.11189335161860821 | 0.09887798463350371 | 0.09887798463350371 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11135033054151028 TRIM 3 2016 (avril - juin 2016) | 0.09337066200819989 | 0.06121460351828856 | 0.14200864415727035 | 0.15854155336570794 | 0.12221106007134766 | 0.12182779491025064 | 0.12103802005960006 | 0.1076550916621657 | 0.1076550916621657 | 0.12502378426644348 | 0.12106177534443686 | 0.12212464046276986 | 0.12035520383847599 CUMUL 2017 (octobre 2016- juin 2017) | 0.09639325489025959 | 0.0708480389062848 | 0.14255624806995 | 0.15995741851844544 | 0.10977499064058284 | 0.11096640524364004 | 0.11483831366347631 | 0.10350194490281833 | 0.10350194490281833 | 0.1327389073560339 | 0.14760325672190297 | 0.14179818672365724 | 0.11483304938613698 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09019646999718021 | 0.054926100101777175 | 0.14706060977351473 | 0.16196937277307707 | 0.11991728873343777 | 0.12790082525858557 | 0.12199575318849559 | 0.11245431287159298 | 0.11245431287159298 | 0.13601282994752154 | 0.11879360608705153 | 0.1241382018862278 | 0.1215808923904879 Rendement moyen des prêts productifs TRIM 3 2017 (avril - juin 2017) | 0.10302312575957692 | 0.13273939918377675 | 0.13902616075972318 | 0.1551322948524673 | 0.1097087733994453 | 0.1089426677622746 | 0.11589835677627364 | 0.10984265172849343 | 0.10984265172849343 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11569209218485246 TRIM 3 2016 (avril - juin 2016) | 0.10276715044855231 | 0.1062237818120657 | 0.14277480207451584 | 0.16076959336074356 | 0.12909376550652923 | 0.1229880041871539 | 0.12671820829602004 | 0.11744143925513033 | 0.11744143925513033 | 0.12502378426644348 | 0.12914877074765363 | 0.12798904649279208 | 0.1262847570465996 CUMUL 2017 (octobre 2016- juin 2017) | 0.10245077929750757 | 0.1296383175996587 | 0.14347085261093848 | 0.1618148583150221 | 0.11365776608300772 | 0.111545592791109 | 0.11865217676836447 | 0.11621414644305798 | 0.11621414644305798 | 0.1327389073560339 | 0.15849505984718443 | 0.14799664483378816 | 0.11914439659697978 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09817492340715712 | 0.09077413657125592 | 0.14865319683593278 | 0.163743487642064 | 0.1264884645477433 | 0.12871224350870966 | 0.12733636917567073 | 0.12244117324936489 | 0.12244117324936489 | 0.13601282994752154 | 0.1261333431373118 | 0.12932798923761532 | 0.12717283757705236 Rémunération moyenne des dépôts TRIM 3 2017 (avril - juin 2017) | 0.0061319535469142065 | 0.020386760420717003 | 0.026934718674021037 | 0.0162942949904938 | 0.011847296179961444 | 0.010311136791463282 | 0.011264448475625887 | 0.042784793884675404 | 0.042784793884675404 | 0.0003283946558132497 | 0 | 0.0003283946558132497 | 0.01164454870755415 TRIM 3 2016 (avril - juin 2016) | 0.0036750865127900705 | 0.015076689154457586 | 0.022805682481002284 | 0.01913373828386521 | 0.015157309230914273 | 0.015784234873827057 | 0.013363631111712621 | 0.05317795633192592 | 0.05317795633192592 | 0.013171228034821767 | 0.004917175739012291 | 0.008454079612896917 | 0.014281220934464597 CUMUL 2017 (octobre 2016- juin 2017) | 0.005879920760751275 | 0.021231904924981528 | 0.029958457476864656 | 0.017623741484096074 | 0.01328835502026258 | 0.014735719354419868 | 0.013427171248150016 | 0.049578693492003396 | 0.049578693492003396 | 0.0038974546502600488 | 0.005825449835098505 | 0.004642720682539691 | 0.013951897127751274 CUMUL 2016 (octobre 2015 - juin 2016) | 0.004559562824372697 | 0.014412296360940586 | 0.023151959008541126 | 0.016739724491173488 | 0.014524191710675748 | 0.015355142388740499 | 0.013049213719986 | 0.048701912566072064 | 0.048701912566072064 | 0.012836624658583075 | 0.004802777763234483 | 0.008427693905447608 | 0.013829618685132957 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2017 (avril - juin 2017) | 0.6469286165290469 | 0.8209477813784245 | 0.6474023912660632 | 0.6528330550289395 | 0.6901136123720241 | 0.0890410243565396 | 0.21339292684841848 | 0.5014154273883946 | 0.5014154273883946 | 0.8805995190425592 | 0 | 0.8805995190425592 | 0.2193384858918227 TRIM 3 2016 (avril - juin 2016) | 0.5634874019283601 | 1.216568612235641 | 0.7677363534225444 | 0.671107356549996 | 0.6397287685064426 | 0.5699539075985189 | 0.6164649014696062 | 0.5039525550922092 | 0.5039525550922092 | 1.3489865808310184 | 0.8937631651250114 | 1.0799961517184982 | 0.6334397744549646 CUMUL 2017 (octobre 2016- juin 2017) | 0.6271738078016506 | 0.7468940807897229 | 0.7078157059883053 | 0.6862085842736059 | 0.7130719390062673 | 0.20134612142507458 | 0.38630939219156746 | 0.4945764251883224 | 0.4945764251883224 | 0.9325514987707484 | 1.175512732350301 | 1.0521604300186065 | 0.4002880632034485 CUMUL 2016 (octobre 2015 - juin 2016) | 0.5567950208262309 | 1.138252256150906 | 0.6833668514963728 | 0.6470838075552823 | 0.5960078460000633 | 0.3155895101602068 | 0.4684984200944234 | 0.47630416773747436 | 0.47630416773747436 | 1.094941511493077 | 0.7801237293356608 | 0.9153222853627816 | 0.48559716626210525 Productivité par employé ('000) TRIM 3 2017 (avril - juin 2017) | 3366.939467312349 | 1288.8009488172045 | 4654.208153508631 | 2889.7596371882087 | 3030.500828791334 | 30010.658008372826 | 10581.344616942491 | 4776.468147397251 | 4776.468147397251 | 8540.179104477613 | 0 | 8540.179104477613 | 10476.120108294986 TRIM 3 2016 (avril - juin 2016) | 4036.6798644565215 | 965.4160479518072 | 3552.6860827789333 | 2545.1014014839243 | 2976.6086750812715 | 4437.407433361415 | 3449.172422234634 | 4666.428012394366 | 4666.428012394366 | 7559.666666666667 | 4416.6741573033705 | 5321.856 | 3519.816150275632 CUMUL 2017 (octobre 2016- juin 2017) | 3881.5569767643315 | 1203.1684601044933 | 4406.409902834008 | 2682.035087719298 | 2901.120054315948 | 13321.109499363265 | 5911.736850208573 | 5086.755008638495 | 5086.755008638495 | 7484.228571428572 | 5582.388278388279 | 6409.27536231884 | 5907.73947014456 CUMUL 2016 (octobre 2015 - juin 2016) | 4061.9285330780563 | 848.4247421814474 | 3953.0258294431737 | 2584.649196956889 | 2887.5192037442143 | 7385.451919750035 | 4246.17406100758 | 4908.2693228169 | 4908.2693228169 | 8453.189189189188 | 4668.883895131086 | 5780.148148148149 | 4300.014414708717 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.mars. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2017 | 0.0736988865014922 | 0.0007909450186385002 | 0.07445828573374791 | 0.080059383841459 | 0.07083251077909412 | 0.12177941515625275 | 0.09013315124618414 | 0.08011571076402878 | 0.08011571076402878 | 0.05702035735992737 | 0 | 0.05702035735992737 | 0.08914327144185961 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 mars 2017 | 0.8049503032547094 | 0.8623080597938928 | 0.7708966215284364 | 0.8392394798116236 | 0.841735416159767 | 0.8102898206503486 | 0.8178135979832046 | 0.6462155888253123 | 0.6462155888253123 | 0.792931646608357 | 0 | 0.792931646608357 | 0.8128665192814553 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2017 | 0.0713384332929066 | 0.4673613599241478 | 0.006413020064993351 | 0.008570233738542361 | 0.03596835960229763 | 0.004795145221727041 | 0.034379302285498216 | 0.08556093207934917 | 0.08556093207934917 | 0 | 0 | 0 | 0.03670438508229733 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2017 | 0.38598416335725255 | 0.75775556179769 | 1.0555358942631836 | 0.6750486163051608 | 1.1904765777751567 | 2.1537141065099825 | 0.8176961015552461 | 0.3157651703685972 | 0.3157651703685972 | 0 | 0 | 0 | 0.7591496770418897 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2017 | 0.1308560092711111 | 58.6833759623123 | -0.0023111336473447004 | 0.013958365863014861 | -0.028832279734334724 | -0.011978085451464473 | 0.019976532724595094 | 0.41400593580359424 | 0.41400593580359424 | 0 | 0 | 0 | 0.028765776722914287 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2017 (janvier-mars 2017) | 0.020603081727528942 | 0.00893218663172735 | 0.016069247249460166 | 0.01803997050490282 | 0.010545599224806202 | 0.03187063639005525 | 0.02129227240415069 | 0.016231023139722887 | 0.016231023139722887 | -0.001574825395034261 | 0 | -0.0010109881321851073 | 0.020417486868180103 TRIM 2 2016 (janvier-mars 2016) | 0.024980414608962935 | -0.013129966728332802 | 0.026077024036181333 | 0.025925701943261818 | 0.01839839115781365 | 0.15495746115467723 | 0.06785344626743901 | 0.01912869140687904 | 0.01912869140687904 | -0.008641165256532092 | 0.0063718776070625606 | -0.0010052911505397638 | 0.06275095152959771 CUMUL 2017 (octobre 2016- mars 2017) | 0.019621100707944802 | 0.008634735281173315 | 0.013584492437108879 | 0.020067610844470188 | 0.009495531204563536 | 0.02409592841671606 | 0.018001828420994348 | 0.015417158574676942 | 0.015417158574676942 | 0.0010491428257548892 | -0.030462021042542527 | -0.010018907819766977 | 0.016984691444393712 CUMUL 2016 (octobre 2015- mars 2016) | 0.023873759794929433 | -0.014166118694393515 | 0.0236541415794388 | 0.02711976864490607 | 0.016423970743072867 | 0.09733603616764135 | 0.04715465929099655 | 0.01697295368720907 | 0.01697295368720907 | 0.00033561112004750187 | 0.009374432138716492 | 0.004831741753345665 | 0.04400863787512705 ROE (rendement de l'avoir des actionn.) TRIM 2 2017 (janvier-mars 2017) | 0.2721328235394424 | -26.72436271548687 | 0.21288960610666205 | 0.21604121794081088 | 0.1456552791917641 | 0.25828690113470354 | 0.23320525282237992 | 0.21314036769398034 | 0.21314036769398034 | -0.025410027257399152 | 0 | -0.016498642566047793 | 0.22715213621851277 TRIM 2 2016 (janvier-mars 2016) | 0.3242037795786949 | -1.2671159352829058 | 0.4307085016022958 | 0.29773500979245887 | 0.24998062795967377 | 1.3637175331431513 | 0.7734395715595391 | 0.2537742466245785 | 0.2537742466245785 | -0.11187989795731092 | 0.1179237384158486 | -0.015363185126325698 | 0.7280568104006448 CUMUL 2017 (octobre 2016- mars 2017) | 0.2658680441575514 | -6.5016508002924684 | 0.17599809105002956 | 0.23796424774500474 | 0.13049264187059048 | 0.19415735918562935 | 0.19714048661727937 | 0.19840232431641028 | 0.19840232431641028 | 0.017333210554200982 | -0.5350741668675898 | -0.1690546076745205 | 0.18903280329027164 CUMUL 2016 (octobre 2015- mars 2016) | 0.3148724569340278 | -1.1282608166894639 | 0.37931751941727904 | 0.31750662199646523 | 0.228435762509175 | 0.8808190980697111 | 0.548239404327035 | 0.23473664890308113 | 0.23473664890308113 | 0.004437685313843696 | 0.17206292504480614 | 0.07420946473303082 | 0.5208353824546921 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2017 (janvier-mars 2017) | 0.8935037845454382 | 0.6954422694255329 | 0.6722531390838068 | 0.7933609821384313 | 0.7299339101185963 | 0.6066707023076311 | 0.7355607978195611 | 0.5631711068809706 | 0.5631711068809706 | 0.9827677732859651 | 0 | 0.9827677732859651 | 0.7289705010822303 TRIM 2 2016 (janvier-mars 2016) | 0.9080253162913378 | 0.6627347863060827 | 0.7698244478366175 | 0.8028698602902288 | 0.7379726592950668 | 0.7242660741733234 | 0.7800456746786468 | 0.5686227904515005 | 0.7698244478366175 | 0.6458112407211029 | 0.8912394634130342 | 0.7960076675264198 | 0.769420991890559 CUMUL 2017 (octobre 2016- mars 2017) | 0.8973105168205402 | 0.6778909737251234 | 0.6789975776397131 | 0.7798217370818282 | 0.7328366152407596 | 0.5595056523710638 | 0.7240366759640798 | 0.515289914198177 | 0.515289914198177 | 0.7861137524779602 | 0.8934731761341566 | 0.8570804195804196 | 0.71785641752369 CUMUL 2016 (octobre 2015- mars 2016) | 0.9074401067801464 | 0.6453390994247824 | 0.7663314810303978 | 0.8120608533220787 | 0.7513845118496085 | 0.6938202075863314 | 0.7739616576293327 | 0.5478382323396979 | 0.5478382323396979 | 0.714654052499529 | 0.9045043114991163 | 0.8218203648676664 | 0.7647266419244265 Rendement moyen des prêts TRIM 2 2017 (janvier-mars 2017) | 0.09097759350709261 | 0.06802299495036186 | 0.13472454628813463 | 0.15253484311557894 | 0.10603141383894181 | 0.10788775374347953 | 0.1105387670020298 | 0.10458548574303947 | 0.10458548574303947 | 0.1319354149546754 | 0 | 0.049018036918113704 | 0.10902035675839465 TRIM 2 2016 (janvier-mars 2016) | 0.096982698205544 | 0.05673521348728673 | 0.15862393079755996 | 0.16323322313521244 | 0.11769366075625844 | 0.12491973088405506 | 0.12281506224320594 | 0.12039968228565831 | 0.12039968228565831 | 0.11471657272811592 | 0.10952141809593473 | 0.11111844487862449 | 0.12217905358870335 CUMUL 2017 (octobre 2016- mars 2017) | 0.09418298228420802 | 0.06893930000321001 | 0.13625437577348382 | 0.1540817020708974 | 0.11191016859088622 | 0.10861012757383716 | 0.11318918919109404 | 0.10255315098200907 | 0.10255315098200907 | 0.14464728745036554 | 0.22140488508285447 | 0.19156870946340576 | 0.11425492609154593 CUMUL 2016 (octobre 2015- mars 2016) | 0.09678498737502761 | 0.05601693738225881 | 0.15277266433271183 | 0.16378251219007578 | 0.11933300894834525 | 0.12682103349457627 | 0.12339992155414406 | 0.11420154540809531 | 0.11420154540809531 | 0.1426408220299191 | 0.11917619022576993 | 0.12688484860499522 | 0.12306495202424649 Rendement moyen des prêts productifs TRIM 2 2017 (janvier-mars 2017) | 0.09681577172323239 | 0.12290819662878413 | 0.1356843921629879 | 0.15387011323745156 | 0.10985656384839715 | 0.10818373914838333 | 0.1141493969992799 | 0.11689804848518216 | 0.11689804848518216 | 0.1319354149546754 | 0 | 0.05096799879324713 | 0.11302784087910467 TRIM 2 2016 (janvier-mars 2016) | 0.10637490242540609 | 0.10271220236170507 | 0.16157144736053827 | 0.16566584073664375 | 0.1244497874722619 | 0.1260649988150655 | 0.12863037162961044 | 0.13112988823787533 | 0.13112988823787533 | 0.11471657272811592 | 0.1162717640721099 | 0.11577365878125424 | 0.12820047600511877 CUMUL 2017 (octobre 2016- mars 2017) | 0.10005682111780399 | 0.11915390128917487 | 0.13716175308118372 | 0.15565874153013878 | 0.11589632506924752 | 0.10924633528774226 | 0.11692873839398567 | 0.11328293428676499 | 0.11328293428676499 | 0.14464728745036554 | 0.23774258977077664 | 0.1999690446622151 | 0.11844266771787731 CUMUL 2016 (octobre 2015- mars 2016) | 0.10526377492849827 | 0.09810106875486002 | 0.1540161106201584 | 0.1654133217718451 | 0.1256063826409868 | 0.12780983411477867 | 0.12867090285802993 | 0.12280062091809413 | 0.12280062091809413 | 0.1426408220299191 | 0.12696315877545333 | 0.13233484755948344 | 0.1285310451705725 Rémunération moyenne des dépôts TRIM 2 2017 (janvier-mars 2017) | 0.005543049974235677 | 0.018792132359079856 | 0.028811605654501714 | 0.015962200753009737 | 0.012636356832706861 | 0.015262439649831393 | 0.013141655670970807 | 0.045713264114936834 | 0.045713264114936834 | 0.000354846050314353 | 0 | 0.00021885717786391894 | 0.013496325257513597 TRIM 2 2016 (janvier-mars 2016) | 0.005112842601815495 | 0.014026432144331927 | 0.022614124863215193 | 0.015829583976266163 | 0.014033847651031717 | 0.013358020083484773 | 0.01228123132493208 | 0.04327095067341572 | 0.04327095067341572 | 0.012911037562949734 | 0.004858118687677981 | 0.008379159222112183 | 0.013012078825395481 CUMUL 2017 (octobre 2016- mars 2017) | 0.005508018679002325 | 0.020976643727997634 | 0.02867929544274023 | 0.017565431002072075 | 0.013297639557189165 | 0.01755440604023919 | 0.014217051290969056 | 0.05282373515154667 | 0.05282373515154667 | 0.005508652748162295 | 0.008738174752647758 | 0.006735079905698583 | 0.014876567181294646 CUMUL 2016 (octobre 2015- mars 2016) | 0.005046357184934562 | 0.013650813262689661 | 0.022404763997266455 | 0.014963457489763913 | 0.013712656037753316 | 0.015257761014677145 | 0.012741730309180273 | 0.04337991665400563 | 0.04337991665400563 | 0.012878365485049555 | 0.004753881144401378 | 0.008489166101733977 | 0.013433732540654825 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2017 (janvier-mars 2017) | 0.5928719590592997 | 0.6993302701031483 | 0.7195441635236152 | 0.7330402449588237 | 0.7049782505827564 | 0.5108524576092318 | 0.6130582599912998 | 0.47672697608856446 | 0.47672697608856446 | 1.0603815780278147 | 0 | 1.0603815780278147 | 0.6158418021094347 TRIM 2 2016 (janvier-mars 2016) | 0.5424385233315692 | 1.0681728082844495 | 0.625641424857486 | 0.6545969158696077 | 0.5791869546116383 | 0.17451632070309883 | 0.33974620790089466 | 0.43473932596836007 | 0.43473932596836007 | 1.2381778873968514 | 0.8193742131225362 | 0.988565910544703 | 0.35747922190933257 CUMUL 2017 (octobre 2016- mars 2017) | 0.6185354179848418 | 0.7132669206378212 | 0.7421025019878225 | 0.705623015950299 | 0.7253896200545115 | 0.5906021613405381 | 0.6549682541241971 | 0.49133112162574855 | 0.49133112162574855 | 0.9622929956698176 | 1.175512732350301 | 1.091061261238413 | 0.6679498194740048 CUMUL 2016 (octobre 2015- mars 2016) | 0.5530457336337286 | 1.0892048317427572 | 0.6443840980864677 | 0.6348969520739726 | 0.5737197608088289 | 0.25096930699369896 | 0.41222462913643204 | 0.4634771309966342 | 0.4634771309966342 | 0.9911552249022751 | 0.7277869686048637 | 0.8432363996251803 | 0.4288481103814173 Productivité par employé ('000) TRIM 2 2017 (janvier-mars 2017) | 3808.055312154964 | 1361.3770200701756 | 4369.327040633662 | 2560.2285714285713 | 3040.718093999292 | 5204.70236844213 | 3729.821682155239 | 5505.267869650349 | 5505.267869650349 | 6636.057971014493 | 0 | 2916.484076433121 | 3743.3083553104634 TRIM 2 2016 (janvier-mars 2016) | 3837.2702184038867 | 856.8143980307692 | 4202.460879997635 | 2523.1414309484194 | 3113.3961605733343 | 12679.421565202703 | 5742.951827809654 | 5542.97764141844 | 5542.97764141844 | 7100.756756756757 | 4355.146067415731 | 5161.396825396825 | 5723.63409390636 CUMUL 2017 (octobre 2016- mars 2017) | 4056.1063011989795 | 1237.276174375 | 4216.560459532 | 2581.4673998428907 | 2857.3211874626863 | 4381.1288455475615 | 3469.755670066749 | 5174.62424 | 5174.62424 | 7038.704225352113 | 8373.582417582418 | 7788.543209876543 | 3571.2904321562055 CUMUL 2016 (octobre 2015- mars 2016) | 3899.3765012058825 | 792.2392324458203 | 4027.987020726037 | 2605.1849315068494 | 2866.822236271689 | 8871.75047500214 | 4626.284153684425 | 5029.189978028168 | 5029.189978028168 | 9002.108108108108 | 4849.477272727273 | 6078.656 | 4673.49889066889 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.déc. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2016 | 0.0778081467695615 | -0.0014350529801539578 | 0.07665168306594922 | 0.08713499653350709 | 0.0739991390390464 | 0.12524162035736658 | 0.09256302354996905 | 0.07285360351294273 | 0.07285360351294273 | 0.06778467148897524 | 0.060022839944129526 | 0.0635329353512034 | 0.09065992070090896 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 décembre 2016 | 0.8179288443298289 | 0.8569966840179011 | 0.7558903915456049 | 0.8154750061356979 | 0.8373754836369536 | 0.8207875425297395 | 0.8213565733649011 | 0.7002624883115279 | 0.7002624883115279 | 0.7777128894577531 | 0.875620063009807 | 0.8313439771119031 | 0.8178939659129922 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2016 | 0.048578308470682514 | 0.42615754766302366 | 0.007811976747086964 | 0.00878999413297487 | 0.033694114801771896 | 0.0004985618662191034 | 0.02875273405145443 | 0.125381829055661 | 0.125381829055661 | 0 | 0.0608757556549956 | 0.04634925139629393 | 0.034184763911252504 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2016 | 0.747191318790873 | 0.8058866763657341 | 0.975395635475628 | 0.9343769453849774 | 1.2283553405418597 | 20.92556172663765 | 1.0559256765339042 | 0.2064496036202033 | 0.2064496036202033 | 0 | 0.5438905940401725 | 0.5438905940401725 | 0.8765862840635527 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2016 | 0.03414099034807677 | -23.585782803322637 | 0.0012412020999128816 | 0.0026920650106916463 | -0.0322365274054283 | -0.022068088336397146 | -0.005136084225934806 | 0.6345587634310909 | 0.6345587634310909 | 0 | 0.14485211013883337 | 0.07496258192387656 | 0.013868265106845318 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2017 (octobre. - décembre. 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 TRIM 1 2016 (octobre. - décembre. 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 CUMUL 2017 (octobre - décembre 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 CUMUL 2016 (octobre - décembre 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 ROE (rendement de l'avoir des actionn.) TRIM 1 2017 (octobre. - décembre. 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 TRIM 1 2016 (octobre. - décembre. 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 CUMUL 2017 (octobre - décembre 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 CUMUL 2016 (octobre - décembre 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2017 (octobre. - décembre. 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 TRIM 1 2016 (octobre. - décembre. 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.762158850562841 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 CUMUL 2017 (octobre - décembre 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 CUMUL 2016 (octobre - décembre 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.5232227749677519 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 Rendement moyen des prêts TRIM 1 2017 (octobre. - décembre. 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.20248345714665372 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 TRIM 1 2016 (octobre. - décembre. 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 CUMUL 2017 (octobre - décembre 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.1007959323575557 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 CUMUL 2016 (octobre - décembre 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 Rendement moyen des prêts productifs TRIM 1 2017 (octobre. - décembre. 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 TRIM 1 2016 (octobre. - décembre. 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 CUMUL 2017 (octobre - décembre 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 CUMUL 2016 (octobre - décembre 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 Rémunération moyenne des dépôts TRIM 1 2017 (octobre. - décembre. 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 TRIM 1 2016 (octobre. - décembre. 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 CUMUL 2017 (octobre - décembre 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 CUMUL 2016 (octobre - décembre 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2017 (octobre. - décembre. 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 TRIM 1 2016 (octobre. - décembre. 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 CUMUL 2017 (octobre - décembre 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 CUMUL 2016 (octobre - décembre 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 Productivité par employé ('000) TRIM 1 2017 (octobre. - décembre. 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 TRIM 1 2016 (octobre. - décembre. 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 CUMUL 2017 (octobre - décembre 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 CUMUL 2016 (octobre - décembre 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.sept. 16] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.09264028791412363 | 0.07554863019553665 | 0.07554863019553665 | 0.06444567566828094 | 0.05693046483793471 | 0.06043220452290159 | 0.0906192688286851 Au 30 septembre 2015 | 0.07311273478667339 | 0.022106575250711222 | 0.06336105060809091 | 0.08911142793390697 | 0.07203573866007543 | 0.08729278529419134 | 0.0778475628014552 | 0.07416133737929038 | 0.07416133737929038 | 0.07617158669023051 | 0.0522375539803038 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.8170382553634135 | 0.7109068765144876 | 0.7109068765144876 | 0.7621981791567485 | 0.8802919302902742 | 0.825265719552309 | 0.8141191051278704 Au 30 septembre 2015 | 0.7866143422427879 | 0.8656070315761414 | 0.8040688805504217 | 0.8476169259116534 | 0.8096830249836857 | 0.8090800159392417 | 0.807361058954389 | 0.7415964005105095 | 0.7415964005105095 | 0.7514868125234071 | 0.8767457712332675 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.02939865585618658 | 0.1040880136032887 | 0.1040880136032887 | 0 | 0.06872014267058517 | 0.050697034468474234 | 0.03394940216672454 Au 30 septembre 2015 | 0.06943674388907971 | 0.39744535391982855 | 0.015435212022437708 | 0.006285618990994649 | 0.04850181662821433 | 0.004510084115484565 | 0.03780035503263564 | 0.06747514519877892 | 0.06747514519877892 | 0.0003530517210407771 | 0.05685393797081728 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 1.036109278122458 | 0.19974725426153223 | 0.19974725426153223 | 0 | 0.5685748629475483 | 0.5685748629475483 | 0.8810163174056982 Au 30 septembre 2015 | 0.56491289338209 | 0.9454014690403388 | 1.325036371586142 | 1.3248644595685777 | 0.8812932065444768 | 1.9699112006201913 | 0.8631981462990274 | 0.3540804752847749 | 0.3540804752847749 | 0 | 0.68622554464597 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2016 | 0.020086764726991935 | -5.448785091579863 | -0.008596697155750272 | 0.020792761718043545 | -0.03493361736482914 | -0.007182810489663147 | -0.0034287634969076973 | 0.5466429004007477 | 0.5466429004007477 | 0 | 0.16272682481943118 | 0.08186804493433891 | 0.013459872248919563 Au 30 septembre 2015 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 201 6 (juil. - sept. 2016) | 0.01357917021322789 | -0.010144683049198074 | 0.011009093567073176 | 0.01630822825992434 | 0.014322806666009668 | 0.0532375191524521 | 0.02718271162079874 | 0.018885212448790854 | 0.018885212448790854 | 0.001751881958331591 | 0.012696554617847449 | 0.007664774293832385 | 0.025981825416948073 TRIM 4 2015 (juil. - sept. 2015) | 0.0010133401004609828 | -0.007856159837074267 | 0.02613730555887643 | 0.030499657967242154 | 0.016207598115097057 | 0.026014222793085483 | 0.0170033272152115 | 0.01570795417872854 | 0.01570795417872854 | 0.01045884704083644 | 0.011622902431853703 | 0.011861159491614861 | 0.020832510000493343 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.019529060226210284 | -0.014990865276120102 | 0.01744300692167167 | 0.023824430796300346 | 0.015564538256984568 | 0.06614101829095291 | 0.0344320721022208 | 0.016960648235968614 | 0.016960648235968614 | -0.0021418922549968364 | 0.010548444886662215 | 0.004287635487077266 | 0.03240628733053552 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.01110359024559657 | -0.008499648430098653 | 0.02085421321318172 | 0.029350489047277058 | 0.01002449969514398 | 0.027227373992676173 | 0.01767301994501408 | 0.014550658097473202 | 0.014550658097473202 | 0.01381854834068994 | 0.008638096021353353 | 0.011408366491358422 | 0.02032082022176322 ROE (rendement de l'avoir des actionn.) TRIM 4 201 6 (juil. - sept. 2016) | 0.1786516827563843 | 4.414968112842477 | 0.15549366177139204 | 0.18474987597709933 | 0.19203370591967966 | 0.42776818311468073 | 0.296297095185858 | 0.2538621953059445 | 0.2538621953059445 | 0.02658732339448941 | 0.22846300792239466 | 0.12707405370275088 | 0.28971330206087686 TRIM 4 2015 (juil. - sept. 2015) | 0.014026744792161946 | -0.34237950511861115 | 0.42935148259592 | 0.3442686061941322 | 0.2267651356750947 | 0.29564529386162663 | 0.2194585083270544 | 0.21430252171971792 | 0.21430252171971792 | 0.1789871742972522 | 0.23342961893511827 | 0.19996542037042286 | 0.2729984742163205 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.26549605001192456 | -1.848055842937219 | 0.23562061642520515 | 0.2672395978336055 | 0.21161221850485226 | 0.608435043921886 | 0.4003915766227895 | 0.22638851768650495 | 0.22638851768650495 | -0.030407044828678585 | 0.19249911632700958 | 0.0685856807705271 | 0.3835190142286141 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.15723599599719898 | -0.26456275726575923 | 0.3615769608375321 | 0.33786765774630395 | 0.1388503826539854 | 0.30404361695885007 | 0.22718373819889298 | 0.18705952739072113 | 0.18705952739072113 | 0.218444446306335 | 0.18415204049069728 | 0.20499683148060432 | 0.2656959787560942 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 201 6 (juil. - sept. 2016) | 0.9088997312279506 | 0.6670901881675468 | 0.7129648772373909 | 0.7228366280919363 | 0.7249191460047677 | 0.6291376525070017 | 0.7432042138528369 | 0.5513729783490157 | 0.5513729783490157 | 0.5912408759124088 | 0.8994449755683025 | 0.7899300651412821 | 0.7352883466718235 TRIM 4 2015 (juil. - sept. 2015) | 0.8943027681155826 | 0.6504700303414029 | 0.8243558991764145 | 0.8562953995157385 | 0.8214027767675842 | 0.7523195347299467 | 0.8162453203812363 | 0.6522463253111943 | 0.8243558991764145 | 0.7169677408452608 | 0.952910587895421 | 0.8379786638569688 | 0.8097322438844055 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.9143506643184073 | 0.6573058064314096 | 0.7449085998425536 | 0.7757136292247017 | 0.7384321497851011 | 0.66949993362236 | 0.7620093641485891 | 0.5260544202341622 | 0.5260544202341622 | 0.6590478136957681 | 0.9007887696143022 | 0.8061886681788796 | 0.7518670085025657 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.9055259117474963 | 0.7487801023801958 | 0.8570382857573255 | 0.8846842975361869 | 0.839938467821129 | 0.8151533594246186 | 0.8513024682934848 | 0.6569155634066655 | 0.6569155634066655 | 0.805840894320821 | 0.9797062610769793 | 0.895316366552881 | 0.8444114776650408 Rendement moyen des prêts TRIM 4 201 6 (juil. - sept. 2016) | 0.11018945358319393 | 0.07994753044498167 | 0.13887951370301477 | 0.1565428027985789 | 0.11499774686806219 | 0.1162745366058481 | 0.11978142395216886 | 0.11400102351468751 | 0.11400102351468751 | 0.14699635151478196 | 0.13533173109235908 | 0.13830482951675474 | 0.12015361160040354 TRIM 4 2015 (juil. - sept. 2015) | 0.09855161484643836 | 0.06009460021270629 | 0.14531043527729448 | 0.1634843536935525 | 0.09819549256953528 | 0.1276218036384814 | 0.11625989848830875 | 0.10433657026275509 | 0.10433657026275509 | 0.11655963869646094 | 0.11219825272654599 | 0.11390238604257702 | 0.11553058044475341 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.09633592835005592 | 0.06146693783202019 | 0.14585129355671123 | 0.15802953367459835 | 0.1165599849408993 | 0.12091848658212812 | 0.11949368001140762 | 0.11429602531156825 | 0.11429602531156825 | 0.12860638622540582 | 0.12596896452166792 | 0.12680791691442875 | 0.11952648983663465 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.0854000422996563 | 0.0690009340555091 | 0.1296367777891094 | 0.14666681745336588 | 0.08533805201672334 | 0.10387924547221736 | 0.09907984845725049 | 0.09600234926819691 | 0.09600234926819691 | 0.10876643157954177 | 0.09405662694680221 | 0.09963286868151143 | 0.09895570708918694 Rendement moyen des prêts productifs TRIM 4 201 6 (juil. - sept. 2016) | 0.11817454887478364 | 0.12994217015999968 | 0.13989669151096742 | 0.15863256012769167 | 0.12025120591872503 | 0.11714964345245969 | 0.12441504423654709 | 0.1265345736833658 | 0.1265345736833658 | 0.14699635151478196 | 0.14458104581134948 | 0.1452274768918207 | 0.12527328403943144 TRIM 4 2015 (juil. - sept. 2015) | 0.10550596345670098 | 0.09744156137508202 | 0.14594631459683716 | 0.16481164587613387 | 0.10318549421519012 | 0.12811348760966673 | 0.12074038182178845 | 0.11430075202807238 | 0.11430075202807238 | 0.11739584114256485 | 0.11926939628171772 | 0.1185131301501236 | 0.12031430646094197 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.10202761183967712 | 0.10012672542382962 | 0.1473249912107327 | 0.15953236774373156 | 0.12144614872788519 | 0.12162364539119629 | 0.12360103468545577 | 0.1251884086558649 | 0.1251884086558649 | 0.12860638622540582 | 0.13439307623958416 | 0.13247016312085885 | 0.12404153454218945 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.09052298009154569 | 0.11230104534300293 | 0.13199479411025508 | 0.14756336380898757 | 0.0886412985887333 | 0.10414954572948672 | 0.10234835405177764 | 0.10431543954003061 | 0.10431543954003061 | 0.1087870835078181 | 0.10023632250565184 | 0.10360640852908441 | 0.10250489500969355 Rémunération moyenne des dépôts TRIM 4 201 6 (juil. - sept. 2016) | 0.005425908473680794 | 0.020287397202389444 | 0.027305560900669976 | 0.023027790359969092 | 0.014382620753842069 | 0.01628634138898156 | 0.014225843355463315 | 0.04632200559215955 | 0.04632200559215955 | 0.015405826122444902 | 0.005095213994109857 | 0.009483717817562383 | 0.014883118125419821 TRIM 4 2015 (juil. - sept. 2015) | 0.005254923366426701 | 0.014191493222792137 | 0.01508299444476527 | 0.012035450087303601 | 0.008936191356393328 | 0.012340308631497189 | 0.009829716073457218 | 0.0302931498389757 | 0.0302931498389757 | 0.012925400072251512 | 0.0023393018152810664 | 0.007718699424832777 | 0.010298554720301079 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.004712985163678976 | 0.01615293422044827 | 0.023940048805936875 | 0.018463017032424905 | 0.014490003478511261 | 0.015445704433420197 | 0.013260407962321348 | 0.04825146953623522 | 0.04825146953623522 | 0.013265786558804471 | 0.005034994051497499 | 0.008789133339888804 | 0.01401804110283661 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.004334308903018387 | 0.010272550317016576 | 0.010967229300165643 | 0.008871019132083869 | 0.007350691862049117 | 0.008296668635488808 | 0.007247797550127812 | 0.02851564938584206 | 0.02851564938584206 | 0.007605083447735179 | 0.0008609572227628543 | 0.004268967381254107 | 0.007657583666099035 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 201 6 (juil. - sept. 2016) | 0.6770912705730295 | 1.0806112874095015 | 0.8332054795866007 | 0.7578729611049446 | 0.6995594773445958 | 0.3782329418548628 | 0.5904986440686749 | 0.6155693220939157 | 0.6155693220939157 | 0.9366464729438341 | 0.8102603341167041 | 0.8541636942978076 | 0.6008509737828742 TRIM 4 2015 (juil. - sept. 2015) | 0.8800508175776631 | 0.9477422658245843 | 0.5522567733120629 | 0.6354979492970743 | 0.5107627361351328 | 0.4954524862876954 | 0.5923274445950876 | 0.5009314662153207 | 0.5009314662153207 | 0.7490805608342551 | 0.7148427929767251 | 0.7326180110047071 | 0.5980370844962793 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.5913411826168897 | 1.118898252521943 | 0.7253859185085992 | 0.6752080410433678 | 0.6230409619146867 | 0.3281101295659893 | 0.49759013671977587 | 0.5139899591332413 | 0.5139899591332413 | 1.0633732637111362 | 0.7879742780532948 | 0.9009224007614355 | 0.5131372781157897 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.6856136647427727 | 0.9200078533327017 | 0.6353475633230857 | 0.6218392164985058 | 0.6409289433457857 | 0.5043522634156501 | 0.5993136998081318 | 0.5135573005486339 | 0.5135573005486339 | 0.6637767459866694 | 0.779948987372431 | 0.7172129794678814 | 0.6039584532746723 Productivité par employé ('000) TRIM 4 201 6 (juil. - sept. 2016) | 4510.701592151556 | 1208.9907112643677 | 4306.34030550107 | 2526.97004048583 | 3128.8255387149447 | 5407.901844163196 | 3889.782729025032 | 5540.92285142857 | 5540.92285142857 | 6403.726027397261 | 4852.2430939226515 | 5298.141732283465 | 3954.1907793328232 TRIM 4 2015 (juil. - sept. 2015) | 3827.7488566608417 | 861.6616226415097 | 4374.249747064675 | 2662.85 | 2665.013720082192 | 4064.2337249804764 | 3241.696708742912 | 4767.653417872341 | 4767.653417872341 | 11282.24 | 4503.908045977011 | 6545.574297188755 | 3360.7953334285053 CUMUL 2016 (octobre 2015 - sept. 2016) | 4248.7397139385075 | 924.0659584070797 | 4019.023697366072 | 2582.7159663865546 | 2941.9717203651107 | 6870.057843196617 | 4159.868845802437 | 5119.021304857143 | 5119.021304857143 | 7813.6 | 4708.715083798883 | 5625.511811023622 | 4216.334641971632 CUMUL 2015 (octobre 2014 - sept. 2015) | 3242.9347772723004 | 905.1859108280255 | 3230.573763258145 | 2457.9636363636364 | 2282.5178260781895 | 3878.687916746242 | 2884.371991947998 | 4320.785065507246 | 4320.785065507246 | 11059.971830985916 | 3757.6067415730336 | 5839.807228915663 | 2992.288856337569 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [bilsysbamars 23] SYSTÈME DANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ DILAN PAR DANQUE (DEVISES ET GOURDES) Au 31 mars 2023 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF DisponiDilités Encaisse | 6372274 | 457821.99488 | 2159265.741576658 | 1901673 | 3830987.2159700003 | 8770075.629005153 | 23492097.581431814 | 25655.77406 | 25655.77406 | 5111 | 5111 | 23522864.355491813 Avoirs à la BRH | 42352927 | 1444943.3738000002 | 19730758.38500018 | 20679795 | 70162332.9826 | 109008483.50779834 | 263379240.24919853 | 2206313.13033 | 2206313.13033 | 4177430 | 4177430 | 269762983.3795285 Avoirs à l'étranger | 4833128 | 0 | 1589579.374266476 | 6132849 | 10508426.80599 | 17737365.599133708 | 40801348.779390186 | 0 | 0 | 1387701 | 1387701 | 42189049.779390186 Avoirs dans les banques locales | 0 | 0 | 345837.47821064596 | 70114 | 32839.61 | 3.967245368767181e-09 | 448791.0882106499 | 204159.92827 | 204159.92827 | 120 | 120 | 653071.0164806499 Autres liquidités | 388309 | 9785.234789999999 | 6379.38293482 | 281914 | 202089.82566000003 | 1111552.019074164 | 2000029.4624589842 | 20680.721980000002 | 20680.721980000002 | 33942 | 33942 | 2054652.1844389841 53946638 | 1912550.6034700002 | 23831820.36198878 | 29066345 | 84736676.44022 | 136627476.75501138 | 330121507.1606901 | 2456809.55464 | 2456809.55464 | 5604304 | 5604304 | 338182620.7153301 Bons B.R.H. | 0 | 0 | 0 | 700000 | 0 | 0 | 700000 | 0 | 0 | 0 | 0 | 700000 Bons du Trésor / M.E.F. | 23600000 | 1770000 | 0 | 0 | 0 | 3700000 | 29070000 | 0 | 0 | 0 | 0 | 29070000 Autres Placements | 21183551 | 0 | 8044835.504598754 | 5375824 | 43762803.08533 | 56435772.79112208 | 134802786.38105083 | 2612752.3677 | 2612752.3677 | 0 | 0 | 137415538.74875084 Portefeuille net | 20335518 | 456077.34227624023 | 17094592.77779457 | 16072830 | 42190618.89283 | 57691121.15658 | 153840758.1694808 | 5641275.62442 | 5641275.62442 | 96667 | 96667 | 159578700.7939008 Immobilisations | 3167251.00213 | 247678.06686999998 | 1116573.32656655 | 1477207 | 4087323.10875 | 3486471.7866100008 | 13582504.29092655 | 551707.70891 | 551707.70891 | 262848 | 262848 | 14397059.99983655 Autres actifs | 3224728 | 1454157.3650000002 | 1550422.095106855 | 1686758 | 6937994.009299999 | 4492132.381733759 | 19346191.851140615 | 1750467.3682600001 | 1750467.3682600001 | 39395 | 39395 | 21136054.219400615 125457686.00213 | 5840463.377616241 | 51638244.06605551 | 54378964 | 181715415.53643 | 262432974.8710572 | 681463747.8532889 | 13013012.62393 | 13013012.62393 | 6003214 | 6003214 | 700479974.477219 PASSIF Dépôts À vue | 46017325 | 2030863.30507 | 18815474.66095402 | 21473672 | 68203817.75334781 | 102399019.67642587 | 258940172.3957977 | 4219091.846919413 | 4219091.846919413 | 3483045 | 3483045 | 266642309.24271712 Épargne | 39277159 | 676991.9464199999 | 9266594.665601065 | 12062740 | 52299244.934397385 | 88642366.7094135 | 202225097.25583196 | 1347814.246756743 | 1347814.246756743 | 924890 | 924890 | 204497801.5025887 À terme | 13330212 | 2275004.68838 | 14921446.075992735 | 10609720 | 30069299.349040058 | 31399156.42354677 | 102604838.53695956 | 3685687.739702517 | 3685687.739702517 | 4426 | 4426 | 106294952.27666208 98624696 | 4982859.93987 | 43003515.40254782 | 44146132 | 150572362.03678524 | 222440542.80938613 | 563770108.1885892 | 9252593.833378673 | 9252593.833378673 | 4412361 | 4412361 | 577435063.0219679 Obligations à vue Banques locales | 0 | 0 | 300000 | 300000 | 0 | 0 | 600000 | 0 | 0 | 0 | 0 | 600000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5179258 | 259185.45615 | 2750848.8857572833 | 2433996 | 10692762.3015 | 8891942.272111418 | 30207992.9155187 | 279979.51761000004 | 279979.51761000004 | 1033014 | 1033014 | 31520986.4331287 5179258 | 259185.45615 | 3050848.8857572833 | 2733996 | 10692762.3015 | 8891942.272111418 | 30807992.9155187 | 279979.51761000004 | 279979.51761000004 | 1033014 | 1033014 | 32120986.4331287 Obligations à terme Banques locales | 2731605 | 0 | 1329930.41818 | 468594 | 4498970.34891 | 5572133.1706300005 | 14601232.93772 | 1686188.13892 | 1686188.13892 | 0 | 0 | 16287421.07664 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.64513 | 0 | 0.64513 | 0 | 0 | 0 | 0 | 0.64513 Autres | 7122567 | 913311.2024000001 | 722054.2016528416 | 165214 | 892471.4202000002 | 2410675.976299017 | 12226293.80055186 | 410639.17139000003 | 410639.17139000003 | 80067 | 80067 | 12716999.97194186 9854172 | 913311.2024000001 | 2051984.6198328417 | 633808 | 5391442.414240001 | 7982809.146929018 | 26827527.38340186 | 2096827.31031 | 2096827.31031 | 80067 | 80067 | 29004421.693711862 Autres passifs | 1287429 | 30058.28314 | 347372.10204082995 | 2108027 | 4079802.1765599996 | 2428590.531961067 | 10281279.093701897 | 406844.1391 | 406844.1391 | 0 | 0 | 10688123.232801897 114945555 | 6185414.88156 | 48453721.010178775 | 49621963 | 170736368.92908525 | 241743884.76038763 | 631686907.5812117 | 12036244.800398674 | 12036244.800398674 | 5525442 | 5525442 | 649248594.3816104 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728180.76157 | 2025000 | 3000000 | 6291987.5 | 15210168.26157 | 300000 | 300000 | 103837 | 103837 | 15614005.26157 Réserves | 2148480 | 238291.42462 | 385845.753 | 469879 | 2479524.37077 | 3586647.97049 | 9308668.51888 | 325098.58746 | 325098.58746 | 59288 | 59288 | 9693055.10634 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 200025 | 1198668.70404 | 1384 | 0 | 0 | 1400077.70404 | 0 | 0 | 0 | 0 | 1400077.70404 BNR | 5363651 | -948267.92827 | 871827.8371698821 | 2260738 | 5499522.2396500055 | 10810454.63534 | 23857925.78388989 | 351669.23606 | 351669.23606 | 314647 | 314647 | 24524242.01994989 10512131 | -344951.5036500001 | 3184523.055779882 | 4757001 | 10979046.610420005 | 20689090.10583 | 49776840.26837988 | 976767.8235200001 | 976767.8235200001 | 477772 | 477772 | 51231380.09189989 125457686 | 5840463.377909999 | 51638244.06595866 | 54378964 | 181715415.53950527 | 262432974.8662176 | 681463747.8495915 | 13013012.623918675 | 13013012.623918675 | 6003214 | 6003214 | 700479974.4735103 Hors-bilan Effets à l'encaissement | 1911405 | 0 | 0 | 0 | 77206.08484 | 5158.419764417 | 1993769.504604417 | 0 | 0 | 0 | 0 | 1993769.504604417 Crédit documentaire | 0 | 0 | 0 | 0 | 2631714.51398 | 2120702.537220084 | 4752417.051200084 | 0 | 0 | 0 | 0 | 4752417.051200084 Autres | 5170796 | 260405.199009103 | 3219404.437522157 | 343044 | 9662637.304200003 | 2171560.2364941826 | 20827847.17722545 | 433487.36413999996 | 433487.36413999996 | 0 | 0 | 21261334.54136545 Portefeuille brut | 24123925 | 1570392.79100624 | 18404441.470837764 | 16539858 | 45495817.38686 | 58786577.7385 | 164921012.387204 | 5903324.200780001 | 5903324.200780001 | 96667 | 96667 | 170921003.587984 Provisions pour créances douteuses | 3788407 | 1114315.4487299998 | 1309848.6930431938 | 467028 | 3305198.4940299997 | 1095456.5819199998 | 11080254.217723193 | 262048.57636 | 262048.57636 | 0 | 0 | 11342302.794083193 Portefeuille de crédit improductif | 7790494 | 1411813.633631641 | 4213949.590282632 | 153742 | 4875206 | 137404.40997 | 18582609.633884273 | 448147.27374 | 448147.27374 | 0 | 0 | 19030756.907624274 Dépôts US convertis | 98624696 | 4982859.93987 | 43003515.40254783 | 44146132 | 150572362.03678524 | 222440542.80938613 | 563770108.1885892 | 7530227.297358673 | 7530227.297358673 | 3832049 | 3832049 | 575132384.4859478 Immobilisation /A | 0.30129485659282595 | -0.7180083700151162 | 0.35062497806067977 | 0.3105332540396775 | 0.37228397453662315 | 0.16851740549129052 | 0.2728679485819968 | 0.564829937703925 | 0.564829937703925 | 0.5501536297648251 | 0.5501536297648251 | 0.2810203428838109 Liquidité en % de l'actif | 0.618109902000611 | 0.6305237042635163 | 0.4615149254785499 | 0.5473871293318497 | 0.46631528860704796 | 0.5347173952661983 | 0.5281154108261831 | 0.1887963706514895 | 0.1887963706514895 | 0.9335505947314222 | 0.9335505947314222 | 0.5252864237695587 Liquidité en % des dépôts | 0.7862801219686396 | 0.7390435709429305 | 0.554183074079028 | 0.6742684727169302 | 0.5627638119904009 | 0.6308538676569445 | 0.6383657131397631 | 0.2655265754535853 | 0.2655265754535853 | 1.2701372349179951 | 1.2701372349179951 | 0.6372190472633834 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 136627476.75501138 | CAPITALBK | 700000 | UNIBK | 57691121.15658 | UNIBK | 20689090.10583 SOGEBK | 84736676.44022 | BNC | 0 | SOGEBK | 42190618.89283 | SOGEBK | 10979046.610420005 BNC | 53946638 | SOGEBK | 0 | BNC | 20335518 | BNC | 10512131 CAPITALBK | 29066345 | UNIBK | 0 | BUH | 17094592.77779457 | CAPITALBK | 4757001 BUH | 23831820.36198878 | BPH | 0 | CAPITALBK | 16072830 | BUH | 3184523.055779882 CBNA | 5604304 | BUH | 0 | SOGEBL | 5641275.62442 | SOGEBL | 976767.8235200001 SOGEBL | 2456809.55464 | CBNA | 0 | BPH | 456077.34227624023 | CBNA | 477772 BPH | 1912550.6034700002 | SOGEBL | 0 | CBNA | 96667 | BPH | -344951.5036500001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars 23$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 31 mars 2023 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3155523 | 140122.14133 | 404886.900656658 | 454760 | 895516.02363 | 930671.741705153 | 5981479.807321811 | 2693.6381800000004 | 2693.6381800000004 | 4244 | 4244 | 5988417.445501811 Avoirs à la BRH | 22639177 | 882726.8442 | 15447457.72139018 | 14959188 | 50257944.02576999 | 84453255.53471835 | 188639749.12607855 | 1617333.7323000003 | 1617333.7323000003 | 3292167 | 3292167 | 193549249.85837856 Avoirs à l'étranger | 4833128 | 0 | 1589579.374266476 | 6132849 | 10508426.80599 | 17737365.599133708 | 40801348.779390186 | 0 | 0 | 1387701 | 1387701 | 42189049.779390186 Avoirs dans les banques locales | 0 | 0 | 323768.281120646 | 1192 | 0 | 7.324197588968673e-09 | 324960.2811206533 | 129327.65106 | 129327.65106 | 0 | 0 | 454287.9321806533 Autres liquidités | 97081 | 5635.98396 | 508.08436482 | 130212 | 116955.10708 | 576100.754574164 | 926492.9299789841 | 13030.20125 | 13030.20125 | 33942 | 33942 | 973465.1312289841 30724909 | 1028484.96949 | 17766200.361798782 | 21678201 | 61778841.962469995 | 103697393.63013138 | 236674030.9238902 | 1762385.2227900003 | 1762385.2227900003 | 4718054 | 4718054 | 243154470.14668018 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 | 18788458 | 0 | 7061585.42915434 | 3322258 | 34784327.63197 | 40313040.009162076 | 104269669.07028642 | 1826095.79063 | 1826095.79063 | 0 | 0 | 106095764.86091642 Portefeuille net | 6221404 | 779353.12471624 | 9015851.732732454 | 10564592 | 23488674.7464 | 39411285.15846 | 89481160.76230869 | 3242891.67403 | 3242891.67403 | 0 | 0 | 92724052.4363387 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 345186 | 1391022.73218 | 247047.37057359243 | 297413 | 3470990.07748 | 707745.149303758 | 6459404.329537351 | 1348634.12391 | 1348634.12391 | 3208 | 3208 | 7811246.453447351 56079957 | 3198860.8263862403 | 34090684.89425917 | 35862464 | 123522834.41832 | 184129463.94705722 | 436884265.0860227 | 8180006.81136 | 8180006.81136 | 4721262 | 4721262 | 449785533.8973826 PASSIF Dépôts À vue | 23242000 | 1207950.26768 | 13008037.86498402 | 15150833 | 50200571.85887781 | 81890832.01587588 | 184700225.0074177 | 3605573.5053694127 | 3605573.5053694127 | 2907163 | 2907163 | 191212961.51278713 Épargne | 19755616 | 353740.95472 | 6324530.023511065 | 9100317 | 38154123.84135738 | 66680236.5357435 | 140368564.35533196 | 1001068.429446743 | 1001068.429446743 | 924886 | 924886 | 142294518.7847787 À terme | 7909773 | 1558778.05529 | 12791777.926822735 | 8670950 | 25212884.759290062 | 27398212.847496767 | 83542376.58889957 | 2923585.362542517 | 2923585.362542517 | 0 | 0 | 86465961.95144208 50907389 | 3120469.27769 | 32124345.815317824 | 32922100 | 113567580.45952526 | 175969281.39911616 | 408611165.95164925 | 7530227.297358673 | 7530227.297358673 | 3832049 | 3832049 | 419973442.2490079 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 | 1611057 | 53078.09041999999 | 1254749.324037283 | 1351328 | 6418540.48855 | 4169477.4809614187 | 14858230.383968703 | 139646.80181 | 139646.80181 | 835369 | 835369 | 15833246.185778704 1611057 | 53078.09041999999 | 1254749.324037283 | 1351328 | 6418540.48855 | 4169477.4809614187 | 14858230.383968703 | 139646.80181 | 139646.80181 | 835369 | 835369 | 15833246.185778704 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 | 0.64513 | 0 | 0.64513 | 0 | 0 | 0 | 0 | 0.64513 Autres | 3581723 | 14884.02411 | 631886.156556985 | 0 | 765255.9932900001 | 1536611.662179017 | 6530360.836136002 | 368644.56 | 368644.56 | 53880 | 53880 | 6952885.396136002 3581723 | 14884.02411 | 631886.156556985 | 0 | 765256.6384200001 | 1536611.662179017 | 6530361.481266002 | 368644.56 | 368644.56 | 53880 | 53880 | 6952886.041266002 Autres passifs | 0 | 5660.96884 | 263185.005263415 | 1548118 | 2718967.35986 | 2330295.195411067 | 6866226.529374482 | 144696.90665000002 | 144696.90665000002 | 0 | 0 | 7010923.436024482 56100169 | 3194092.36106 | 34274166.30117551 | 35821546 | 123470344.94635527 | 184005665.73766765 | 436865984.34625846 | 8183215.565818673 | 8183215.565818673 | 4721298 | 4721298 | 449770497.91207707 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 56100169 | 3194092.36106 | 34274166.30117551 | 35821546 | 123470344.94635527 | 184005665.73766765 | 436865984.34625846 | 8183215.565818673 | 8183215.565818673 | 4721298 | 4721298 | 449770497.91207707 Actif devises en % actif total | 0.4470029600183115 | 0.5477066834535723 | 0.6601828840394041 | 0.6594914901284255 | 0.6797597994296546 | 0.7016247254657181 | 0.6410968543261067 | 0.6286020806832656 | 0.6286020806832656 | 0.7864557218849769 | 0.7864557218849769 | 0.6421104817922394 Dépôts devises en % dépôts totaux | 0.5161728356556861 | 0.6262406159004765 | 0.7470167383900563 | 0.7457527649307985 | 0.7542392171000172 | 0.7910845710797777 | 0.7247833115248511 | 0.8138504113509691 | 0.8138504113509691 | 0.8684803895238853 | 0.8684803895238853 | 0.7273085220199564 93.0256 | 603061.6195971862 | 34335.62762357889 | 368438.00309995865 | 385071.91568772466 | 1327272.7608997445 | 1978011.0608011952 | 4696190.987709388 | 87967.35055531675 | 87967.35055531675 | 50752.67453260178 | 50752.67453260178 | 4834911.012797306 [bilsysbanmars 23 gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) Au 31 mars 2023 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3216751 | 317699.85355 | 1754378.84092 | 1446913 | 2935471.19234 | 7839403.8873000005 | 17510617.77411 | 22962.135879999998 | 22962.135879999998 | 867 | 867 | 17534446.90999 Avoirs à la BRH | 19713750 | 562216.5296 | 4283300.66361 | 5720607 | 19904388.956830002 | 24555227.97308 | 74739491.12312001 | 588979.3980299999 | 588979.3980299999 | 885263 | 885263 | 76213733.52115001 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 22069.19709 | 68922 | 32839.61 | -3.356952220201492e-09 | 123830.80708999664 | 74832.27721 | 74832.27721 | 120 | 120 | 198783.08429999664 Autres liquidités | 291228 | 4149.25083 | 5871.29857 | 151702 | 85134.71858 | 535451.2645 | 1073536.53248 | 7650.52073 | 7650.52073 | 0 | 0 | 1081187.05321 23221729 | 884065.63398 | 6065620.00019 | 7388144 | 22957834.477750003 | 32930083.124879997 | 93447476.23680001 | 694424.3318499998 | 694424.3318499998 | 886250 | 886250 | 95028150.56865 Bons B.R.H. | 0 | 0 | 0 | 700000 | 0 | 0 | 700000 | 0 | 0 | 0 | 0 | 700000 Bons du Trésor / M.E.F. | 23600000 | 1770000 | 0 | 0 | 0 | 3700000 | 29070000 | 0 | 0 | 0 | 0 | 29070000 Autres Placements | 2395093 | 0 | 983250.075444414 | 2053566 | 8978475.45336 | 16122732.78196 | 30533117.310764413 | 786656.57707 | 786656.57707 | 0 | 0 | 31319773.887834415 Portefeuille net | 14114114 | -323275.78244 | 8078741.045062115 | 5508238 | 18701944.14643 | 18279835.998120002 | 64359597.40717212 | 2398383.9503900004 | 2398383.9503900004 | 96667 | 96667 | 66854648.357562125 Immobilisations | 3167251.00213 | 247678.06686999998 | 1116573.32656655 | 1477207 | 4087323.10875 | 3486471.7866100008 | 13582504.29092655 | 551707.70891 | 551707.70891 | 262848 | 262848 | 14397059.99983655 Autres actifs | 2879542 | 63134.632820000006 | 1303374.7245332624 | 1389345 | 3467003.9318199996 | 3784387.2324300003 | 12886787.521603262 | 401833.24435 | 401833.24435 | 36187 | 36187 | 13324807.765953261 69377729.00213 | 2641602.5512300003 | 17547559.171796344 | 18516500 | 58192581.11811 | 78303510.92400001 | 244579482.76726633 | 4833005.812570001 | 4833005.812570001 | 1281952 | 1281952 | 250694440.5798364 PASSIF Dépôts À vue | 22775325 | 822913.03739 | 5807436.795970002 | 6322839 | 18003245.894470003 | 20508187.660549995 | 74239947.38838 | 613518.34155 | 613518.34155 | 575882 | 575882 | 75429347.72993001 Épargne | 19521543 | 323250.9917 | 2942064.64209 | 2962423 | 14145121.09304 | 21962130.173669998 | 61856532.9005 | 346745.81731 | 346745.81731 | 4 | 4 | 62203282.71781 À terme | 5420439 | 716226.63309 | 2129668.14917 | 1938770 | 4856414.589749996 | 4000943.5760500003 | 19062461.94806 | 762102.3771600001 | 762102.3771600001 | 4426 | 4426 | 19828990.32522 47717307 | 1862390.66218 | 10879169.587230003 | 11224032 | 37004781.57726 | 46471261.41026999 | 155158942.23694 | 1722366.5360200002 | 1722366.5360200002 | 580312 | 580312 | 157461620.77296 Obligations à vue Banques locales | 0 | 0 | 300000 | 300000 | 0 | 0 | 600000 | 0 | 0 | 0 | 0 | 600000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3568201 | 206107.36573000002 | 1496099.56172 | 1082668 | 4274221.812949999 | 4722464.79115 | 15349762.53155 | 140332.7158 | 140332.7158 | 197645 | 197645 | 15687740.24735 3568201 | 206107.36573000002 | 1796099.56172 | 1382668 | 4274221.812949999 | 4722464.79115 | 15949762.53155 | 140332.7158 | 140332.7158 | 197645 | 197645 | 16287740.24735 Obligations à terme Banques locales | 2731605 | 0 | 1329930.41818 | 468594 | 4498970.34891 | 5572133.1706300005 | 14601232.93772 | 1686188.13892 | 1686188.13892 | 0 | 0 | 16287421.07664 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3540844 | 898427.1782900001 | 90168.0450958568 | 165214 | 127215.42690999992 | 874064.3141200007 | 5695932.964415858 | 41994.61138999998 | 41994.61138999998 | 26187 | 26187 | 5764114.575805858 6272449 | 898427.1782900001 | 1420098.4632758568 | 633808 | 4626185.77582 | 6446197.484750001 | 20297165.902135856 | 1728182.75031 | 1728182.75031 | 26187 | 26187 | 22051535.65244586 Autres passifs | 1287429 | 24397.314300000002 | 84187.096777415 | 559909 | 1360834.8167 | 98295.33655 | 3415052.564327415 | 262147.23244999995 | 262147.23244999995 | 0 | 0 | 3677199.796777415 58845386 | 2991322.5205 | 14179554.709003275 | 13800417 | 47266023.98273 | 57738219.022719994 | 194820923.23495325 | 3853029.2345800004 | 3853029.2345800004 | 804144 | 804144 | 199478096.4695333 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728180.76157 | 2025000 | 3000000 | 6291987.5 | 15210168.26157 | 300000 | 300000 | 103837 | 103837 | 15614005.26157 Réserves | 2148480 | 238291.42462 | 385845.753 | 469879 | 2479524.37077 | 3586647.97049 | 9308668.51888 | 325098.58746 | 325098.58746 | 59288 | 59288 | 9693055.10634 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 200025 | 1198668.70404 | 1384 | 0 | 0 | 1400077.70404 | 0 | 0 | 0 | 0 | 1400077.70404 BNR | 5363651 | -948267.92827 | 871827.8371698821 | 2260738 | 5499522.2396500055 | 10810454.63534 | 23857925.78388989 | 351669.23606 | 351669.23606 | 314647 | 314647 | 24524242.01994989 10512131 | -344951.5036500001 | 3184523.055779882 | 4757001 | 10979046.610420005 | 20689090.10583 | 49776840.26837989 | 976767.8235200001 | 976767.8235200001 | 477772 | 477772 | 51231380.09189989 69357517 | 2646371.0168500002 | 17364077.76478316 | 18557418 | 58245070.593150005 | 78427309.12855 | 244597763.50333315 | 4829797.0581 | 4829797.0581 | 1281916 | 1281916 | 250709476.5614332 125457686 | 5840463.37791 | 51638244.06595867 | 54378964 | 181715415.53950527 | 262432974.86621764 | 681463747.8495916 | 13013012.623918673 | 13013012.623918673 | 6003214 | 6003214 | 700479974.4735103 [bilsysbandéc.22] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 décembre 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6122616 | 389484.68627000006 | 1037555.0716755 | 1463199 | 3149037.60915 | 4412972.5885839 | 16574864.9556794 | 67414.78419 | 67414.78419 | 4883 | 4883 | 16647162.739869399 Avoirs à la BRH | 42380046 | 1829511.87379 | 19304924.7764691 | 19899108 | 69715995.11055 | 107209165.9153647 | 260338751.6761738 | 2249158.65563 | 2249158.65563 | 5087154 | 5087154 | 267675064.3318038 Avoirs à l'étranger | 6085610 | 0 | 1802568.8809376 | 5390536 | 6790167.11623 | 13464193.231079632 | 33533075.228247233 | 0 | 0 | 802755 | 802755 | 34335830.22824723 Avoirs dans les banques locales | 0 | 0 | 524016.73531879997 | 105042 | 14686.435 | 0 | 643745.1703188 | 176203.2168 | 176203.2168 | 0 | 0 | 819948.3871188001 Autres liquidités | 677319 | 8059.821900000001 | 194151.8868888 | 372944 | 127096.78302 | 1536383.1918501002 | 2915954.6836589 | 16961.19962 | 16961.19962 | 0 | 0 | 2932915.8832789003 55265591 | 2227056.38196 | 22863217.351289798 | 27230829 | 79796983.05395001 | 126622714.92687833 | 314006391.7140781 | 2509737.85624 | 2509737.85624 | 5894792 | 5894792 | 322410921.57031816 Bons B.R.H. | 0 | 0 | 0 | 900000 | 0 | 0 | 900000 | 0 | 0 | 0 | 0 | 900000 Bons du Trésor / M.E.F. | 25600000 | 1771000 | 0 | 0 | 0 | 3100000 | 30471000 | 0 | 0 | 0 | 0 | 30471000 Autres Placements | 18588524 | 70000 | 7538936.0278832 | 5263383 | 41488034.135520004 | 54476427.81137111 | 127425304.97477433 | 2744200.76346 | 2744200.76346 | 0 | 0 | 130169505.73823433 Portefeuille net | 21868803 | 436756.94957199995 | 16837600.82391708 | 16063748 | 44646771.153790005 | 57215399.10988 | 157069079.0371591 | 5562221.41577 | 5562221.41577 | 96667 | 96667 | 162727967.45292908 Immobilisations | 3070704.00213 | 248459.61039 | 1157611.46514 | 1417205 | 4046527.4907 | 3357407.4235399994 | 13297914.9919 | 547799.35028 | 547799.35028 | 265418 | 265418 | 14111132.34218 Autres actifs | 3317620 | 1379890.75444 | 1244566.3409154 | 1930782 | 8668251.449930001 | 3750355.6978058 | 20291466.243091203 | 1637038.42234 | 1637038.42234 | 36979 | 36979 | 21965483.6654312 127711242.00213 | 6133163.696362 | 49641932.00914547 | 52805947 | 178646567.28389004 | 248522304.96947524 | 663461156.9610027 | 13000997.80809 | 13000997.80809 | 6293856 | 6293856 | 682756010.7690928 PASSIF Dépôts À vue | 47041743 | 2219440.9707 | 17903759.535878193 | 21427523 | 68069469.33739519 | 95187785.76463236 | 251849721.60860574 | 4885280.940747099 | 4885280.940747099 | 3888333 | 3888333 | 260623335.54935285 Épargne | 38869096 | 661576.1766 | 9478593.9944166 | 11337520 | 50518184.392547995 | 86736678.14592691 | 197601648.7094915 | 1359372.9090032 | 1359372.9090032 | 913926 | 913926 | 199874947.6184947 À terme | 13662998 | 2307959.34472 | 14934217.6928974 | 9890871 | 29640015.577031292 | 30135523.2087862 | 100571584.8234349 | 3065373.7177116 | 3065373.7177116 | 4425 | 4425 | 103641383.5411465 99573837 | 5188976.49202 | 42316571.22319219 | 42655914 | 148227669.30697447 | 212059987.11934546 | 550022955.1415322 | 9310027.567461899 | 9310027.567461899 | 4806684 | 4806684 | 564139666.708994 Obligations à vue Banques locales | 0 | 0 | 70000 | 650000 | 0 | 0 | 720000 | 0 | 0 | 0 | 0 | 720000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5240985 | 320711.45651000005 | 1892904.8954188996 | 2145961 | 9965495.178459998 | 7304652.136232784 | 26870709.666621685 | 201613.35203999997 | 201613.35203999997 | 929584 | 929584 | 28001907.018661685 5240985 | 320711.45651000005 | 1962904.8954188996 | 2795961 | 9965495.178459998 | 7304652.136232784 | 27590709.666621685 | 201613.35203999997 | 201613.35203999997 | 929584 | 929584 | 28721907.018661685 Obligations à terme Banques locales | 4421818 | 0 | 1372454.3865399999 | 485363 | 4560984.69475 | 5521533.34851 | 16362153.4298 | 1714426.51183 | 1714426.51183 | 0 | 0 | 18076579.94163 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.6105499999999999 | 0 | 0.6105499999999999 | 0 | 0 | 0 | 0 | 0.6105499999999999 Autres | 6859128 | 951592.62809 | 540573.3836021086 | 104029 | 1160634.9406399997 | 2796621.1343232 | 12412579.08665531 | 390736.00196 | 390736.00196 | 92421 | 92421 | 12895736.08861531 11280946 | 951592.62809 | 1913027.7701421084 | 589392 | 5721620.24594 | 8318154.4828332 | 28774733.12700531 | 2105162.51379 | 2105162.51379 | 92421 | 92421 | 30972316.64079531 Autres passifs | 1369761 | 26490.19834 | 272623.9868499 | 2033433 | 3881038.8242900004 | 2176326.6976638 | 9759673.707143702 | 382976.31792 | 382976.31792 | 0 | 0 | 10142650.025063701 117465529 | 6487770.774959999 | 46465127.875603095 | 48074700 | 167795823.55566448 | 229859120.43607527 | 616148071.6423028 | 11999779.751211898 | 11999779.751211898 | 5828689 | 5828689 | 633976540.3935146 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728180.76157 | 2025000 | 3000000 | 6298112.5 | 15216293.26157 | 300000 | 300000 | 103837 | 103837 | 15620130.26157 Réserves | 2148479 | 238291.42462 | 388674.702 | 442384 | 2441227.9358599996 | 2565754.29641 | 8224811.35889 | 320545.12954 | 320545.12954 | 59288 | 59288 | 8604644.488429999 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 | 5097234 | -862223.50326 | 861279.9688256534 | 2262479 | 5409515.792360001 | 9799317.73606 | 22567602.993985653 | 380672.9273200001 | 380672.9273200001 | 302042 | 302042 | 23250317.921305653 10245713 | -354607.07864 | 3176804.136435653 | 4731247 | 10850743.72822 | 18663184.53247 | 47313085.31848565 | 1001218.0568600001 | 1001218.0568600001 | 465167 | 465167 | 48779470.37534565 127711242 | 6133163.696319999 | 49641932.012038745 | 52805947 | 178646567.28388447 | 248522304.96854526 | 663461156.9607885 | 13000997.808071898 | 13000997.808071898 | 6293856 | 6293856 | 682756010.7688606 Hors-bilan Effets à l'encaissement | 1808968 | 0 | 0 | 0 | 97502.16148000001 | 4846.771551762001 | 1911316.933031762 | 0 | 0 | 0 | 0 | 1911316.933031762 Crédit documentaire | 0 | 0 | 0 | 0 | 2855094.45665 | 2170294.7686836 | 5025389.225333599 | 0 | 0 | 0 | 0 | 5025389.225333599 Autres | 4562165 | 286917.5164485 | 3417508.7292105 | 333165 | 10700438.5787 | 2155435.8899774 | 21455630.7143364 | 401107.17546 | 401107.17546 | 34161.95 | 34161.95 | 21890899.839796398 Portefeuille brut | 25618437 | 1528286.560412 | 18005276.5023574 | 16526732 | 47851007.48159 | 58161264.90512 | 167691004.4494794 | 5808284.6898 | 5808284.6898 | 96667 | 96667 | 173595956.1392794 Provisions pour créances douteuses | 3749634 | 1091529.61084 | 1167675.67844032 | 462984 | 3204236.3277999996 | 945865.7952400001 | 10621925.41232032 | 246063.27403000003 | 246063.27403000003 | 0 | 0 | 10867988.68635032 Portefeuille de crédit improductif | 7638661 | 1354431.1919377 | 4246818.7648364995 | 172122 | 4412675 | 656718.94513 | 18481426.9019042 | 505539.25089 | 505539.25089 | 0 | 0 | 18986966.1527942 Dépôts US convertis | 50907389 | 3120469.27769 | 32124345.815317824 | 32922100 | 113567580.45952526 | 175969281.39911616 | 408611165.95164925 | 7530227.297358673 | 7530227.297358673 | 3832049 | 3832049 | 419973442.24900794 Immobilisation /A | 0.29970622855920326 | -0.7006617333836085 | 0.3643949753977688 | 0.29954153735791006 | 0.3729262797144513 | 0.17989467004941304 | 0.28106209735395093 | 0.5471329112840786 | 0.5471329112840786 | 0.5705864775446238 | 0.5705864775446238 | 0.28928424670457503 Liquidité en % de l'actif | 0.6331908587863495 | 0.6518750484894967 | 0.46056260153367395 | 0.5327208505511699 | 0.44667515456450607 | 0.5219761459351165 | 0.5205691216288928 | 0.19304194134070932 | 0.19304194134070932 | 0.9365946726458311 | 0.9365946726458311 | 0.5181674214362453 Liquidité en % des dépôts | 0.8121168515380199 | 0.7704903631975426 | 0.5402899311170866 | 0.6594825045830691 | 0.5383406716642976 | 0.611726505735717 | 0.627932686237078 | 0.26957362242528843 | 0.26957362242528843 | 1.2263739409538883 | 1.2263739409538883 | 0.6271176136827357 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 126622714.92687833 | CAPITALBK | 900000 | UNIBK | 57215399.10988 | UNIBK | 18663184.53247 SOGEBK | 79796983.05395001 | BNC | 0 | SOGEBK | 44646771.153790005 | SOGEBK | 10850743.72822 BNC | 55265591 | SOGEBK | 0 | BNC | 21868803 | BNC | 10245713 CAPITALBK | 27230829 | UNIBK | 0 | BUH | 16837600.82391708 | CAPITALBK | 4731247 BUH | 22863217.351289798 | BPH | 0 | CAPITALBK | 16063748 | BUH | 3176804.136435653 CBNA | 5894792 | BUH | 0 | SOGEBL | 5562221.41577 | SOGEBL | 1001218.0568600001 SOGEBL | 2509737.85624 | CBNA | 0 | BPH | 436756.94957199995 | CBNA | 465167 BPH | 2227056.38196 | SOGEBL | 0 | CBNA | 96667 | BPH | -354607.07864 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [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 | 92094057 | 4690683.72937 | 37778218.982636556 | 37028252 | 129332295.37609142 | 187147926.7207068 | 488071433.80880475 | 8021818.65798527 | 8021818.65798527 | 4088046 | 4088046 | 500181298.46679 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 [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 [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 2 2023 (Janv.-Mars.23) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 500991 | 6025.903609999998 | 410476.44319 | 568663 | 1220688.5729 | 1397428.2549199993 | 4104273.1746199992 | 154400.97127 | 154400.97127 | 5884 | 5884 | 4116041.1746199992 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 16630 | 158819.24175999995 | 0 | 175449.24175999995 | 0 | 0 | 0 | 0 | 175449.24175999995 Autres | 968559 | 50323.993919999986 | 74149.63603718899 | 59177 | 190973.17532 | 626991.4250400001 | 1970174.2303171891 | 43061.301520000015 | 43061.301520000015 | 12160 | 12160 | 1994494.2303171891 1469550 | 56349.89752999999 | 484626.079227189 | 644470 | 1570480.9899799998 | 2024419.6799599994 | 6249896.646697189 | 197462.27279000002 | 18044 | 18044 | 18044 | 6285984.646697189 Dépenses d'intérêt | 157284 | 10631.629479999998 | 132741.20212999993 | 112193 | 253411.20948 | 300185.45001000003 | 966446.4911 | 45393.71907501299 | 45393.71907501299 | 1122 | 1122 | 968690.4911 1312266 | 45718.26804999999 | 351884.8770971891 | 532277 | 1317069.7804999999 | 1724234.2299499994 | 5283450.1555971885 | 152068.55371498704 | 16922 | 16922 | 16922 | 5317294.1555971885 AUTRES REVENUS Commissions | 260097 | 2649.4908700000005 | 140566.9476 | 299486 | 570490.4671700002 | 570525.6144400006 | 1843815.5200800006 | 5628.594980000002 | 5628.594980000002 | 19295 | 19295 | 1882405.5200800006 Gains sur change | -82988 | -951.32522 | 85193.83240385383 | 224196 | 363408.6978000001 | 685334.1649799998 | 1274193.3699638536 | 7449.92687 | 7449.92687 | 15329 | 15329 | 1304851.3699638536 Autres | 19308 | 2776.9458999999997 | 302987.138812856 | 205191 | 20301.007069999876 | 1050223.07211 | 1600787.1638928559 | 10837.519639999999 | 10837.519639999999 | 23008 | 23008 | 1646803.1638928559 196417 | 4475.1115500000005 | 528747.9188167099 | 728873 | 954200.1720400001 | 2306082.8515300006 | 4718796.053936711 | 23916.04149 | 57632 | 57632 | 57632 | 4834060.053936711 PRODUIT NET BANCAIRE | 1508683 | 50193.37959999999 | 880632.795913899 | 1261150 | 2271269.95254 | 4030317.08148 | 10002246.2095339 | 175984.59520498704 | 175984.59520498704 | 74554 | 74554 | 10151354.2095339 Dotation à la provision pour créances douteuses | 0 | 9000 | 48889.89295412495 | 35185 | 410080.80794999993 | 111692.875 | 614848.5759041249 | 13499.999999999998 | 13499.999999999998 | 0 | 0 | 614848.5759041249 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1508683 | 41193.37959999999 | 831742.902959774 | 1225965 | 1861189.1445900002 | 3918624.20648 | 9387397.633629775 | 162484.59520498704 | 162484.59520498704 | 74554 | 74554 | 9536505.633629775 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 725524 | 29269.302160000007 | 211326.61795000004 | 260950 | 611764.8972299999 | 800978.9186900002 | 2639813.7360300003 | 38470.2545 | 38470.2545 | 20042 | 20042 | 2679897.7360300003 Frais de locaux | 34316 | 5017.09765 | 110734.86236 | 86447 | 65012.19137 | 80434.59959 | 381961.75097 | 18254.769669999998 | 18254.769669999998 | 2938 | 2938 | 387837.75097 Amortissement | 40803 | 1727.5745900000002 | 35946.42420332831 | 25704 | 89080.02638000001 | 123900.15979 | 317161.1849633283 | 3856.31182 | 3856.31182 | 6450 | 6450 | 330061.1849633283 Autres dépenses d'exploitation | 313281 | 19847.87648 | 257088.3687251781 | 376740 | 667714.5798899997 | 870418.7500999997 | 2505090.5751951775 | 36766.59254999993 | 36766.59254999993 | 29456.300000000003 | 29456.300000000003 | 2564003.175195177 1113924 | 55861.850880000005 | 615096.2732385064 | 749841 | 1433571.6948699998 | 1875732.4281699997 | 5844027.247158506 | 97347.92853999994 | 58886.3 | 58886.3 | 58886.3 | 5961799.847158506 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 394759 | -14668.471280000012 | 216646.6297212676 | 476124 | 427617.4497200004 | 2042891.7783100004 | 3543370.3864712687 | 65136.666664987104 | 65136.666664987104 | 15667.699999999997 | 15667.699999999997 | 3574705.786471269 Impôts sur le revenu | 0 | 0 | 64993.98891638019 | 110888 | 158000 | 284470.24445999996 | 618352.2333763802 | 17586.899998200035 | 17586.899998200035 | 2866 | 2866 | 624084.2333763802 BÉNÉFICE NET (PERTE NETTE) | 394759 | -14668.471280000012 | 151652.64080488743 | 365236 | 269617.4497200004 | 1758421.5338500005 | 2925018.1530948887 | 47549.766666787065 | 47549.766666787065 | 12801.699999999997 | 12801.699999999997 | 2950621.553094889 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 2 2022 (Janv.-Mars.22) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 567422.00307 | 6510.80207 | 424369.73957 | 476000 | 1000031.9918900002 | 863714.9464100001 | 3338049.4830100005 | 126975.41782999999 | 126975.41782999999 | 5885 | 5885 | 3349819.4830100005 Intérêts sur Bons B.R.H. | 25835 | 0 | 0 | 0 | 139805.96155 | 0 | 165640.96155 | 0 | 0 | 0 | 0 | 165640.96155 Autres | 565863 | 47637.38571 | 55811.39102848001 | 10633 | 85541.52519000001 | 266078.43844 | 1031564.7403684801 | 12773.84563 | 12773.84563 | 150 | 150 | 1031864.7403684801 1159120.00307 | 54148.18778 | 480181.13059848 | 486633 | 1225379.4786300003 | 1129793.38485 | 4535255.184928481 | 139749.26346 | 6035 | 6035 | 6035 | 4547325.184928481 Dépenses d'intérêt | 122746 | 10066.88991 | 120203.26317446727 | 101686 | 182136.96927 | 200098.31697 | 736937.4393244673 | 39970.89684 | 39970.89684 | 744 | 744 | 738425.4393244673 1036374.0030700001 | 44081.29787 | 359977.86742401274 | 384947 | 1043242.5093600003 | 929695.06788 | 3798317.745604013 | 99778.36661999999 | 5291 | 5291 | 5291 | 3808899.745604013 AUTRES REVENUS Commissions | 195635 | 2833.4022699999996 | 132582.35303 | 214638 | 457902.94249000004 | 476466.1429 | 1480057.84069 | 5243.577880000003 | 5243.577880000003 | 16460 | 16460 | 1512977.84069 Gains sur change | 69182 | 866.05943 | 61030.34523999959 | 208277 | 324424.43886 | 603243.3996300001 | 1267023.2431599996 | 2309.3282000000004 | 2309.3282000000004 | 35489 | 35489 | 1338001.2431599996 Autres | 23454 | 4607.62962 | 58537.127309999996 | 197019 | 110690.42443000001 | 468163.20835 | 862471.38971 | 6568.521700000001 | 6568.521700000001 | 10910 | 10910 | 884291.38971 288271 | 8307.09132 | 252149.8255799996 | 619934 | 893017.80578 | 1547872.7508800002 | 3609552.47356 | 14121.427780000004 | 62859 | 62859 | 62859 | 3735270.47356 PRODUIT NET BANCAIRE | 1324645.00307 | 52388.38919 | 612127.6930040123 | 1004881 | 1936260.3151400003 | 2477567.81876 | 7407870.219164013 | 113899.79439999998 | 68150 | 68150 | 68150 | 7544170.219164013 Dotation à la provision pour créances douteuses | 50000 | 9000 | -34078.36208471388 | 23478 | 312578.84012 | -139327.18928 | 221651.28875528614 | 6000 | 6000 | 0 | 0 | 221651.28875528614 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1274645.00307 | 43388.38919 | 646206.0550887262 | 981403 | 1623681.4750200002 | 2616895.00804 | 7186218.930408726 | 107899.79439999998 | 68150 | 68150 | 68150 | 7322518.930408726 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 573073 | 24440.207349999997 | 188858.08980999998 | 201333 | 520606.44722 | 741708.17309 | 2250018.91747 | 32729.802319999995 | 32729.802319999995 | 36676 | 36676 | 2323370.91747 Frais de locaux | 28428 | 3849.48726 | 73157.5865700978 | 73038 | 58501.56277999999 | 71179.82669 | 308154.4633000978 | 14242.58382 | 14242.58382 | 2962 | 2962 | 314078.4633000978 Amortissement | 39132 | 3107.44769 | 20277.846740000005 | 22617 | 90955.67071 | 124961.6758 | 301051.64094 | 4776.874860000001 | 4776.874860000001 | 5576 | 5576 | 312203.64094 Autres dépenses d'exploitation | 194621 | 16319.94296 | 235982.10567103996 | 266862 | 484892.8444 | 573894.2396 | 1772572.13263104 | 19789.75233 | 19789.75233 | 27291 | 27291 | 1827154.13263104 835254 | 47717.08526 | 518275.6287911377 | 563850 | 1154956.52511 | 1511743.91518 | 4631797.154341138 | 71539.01333 | 72505 | 72505 | 72505 | 4776807.154341138 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 439391.0030700001 | -4328.696069999998 | 127930.4262975885 | 417553 | 468724.9499100002 | 1105151.0928600002 | 2554421.7760675885 | 36360.78106999998 | -4355 | -4355 | -4355 | 2545711.7760675885 Impôts sur le revenu | 0 | 0 | 38379.12788927651 | 74066 | 107000 | 112689.83386000001 | 332134.9617492765 | 9817.410891599986 | 9817.410891599986 | -1353 | -1353 | 329428.9617492765 BÉNÉFICE NET (PERTE NETTE) | 439391.0030700001 | -4328.696069999998 | 89551.298408312 | 343487 | 361724.9499100002 | 992461.2590000002 | 2222286.814318312 | 26543.370178399997 | -3002 | -3002 | -3002 | 2216282.814318312 Commissions / salaires | 0.35849537713431945 | 0.09052114927498497 | 0.6651644216123225 | 1.1476757999616785 | 0.9325322027352575 | 0.712285431148543 | 0.6984642495469788 | 0.14631031307578174 | 0.9627282706316734 | 0.9627282706316734 | 0.9627282706316734 | 0.7024169223966716 marge nette en % revenus d'intérêts | 0.8929713177503318 | 0.8113283262966033 | 0.7260956274955812 | 0.82591431719087 | 0.8386410207466267 | 0.851717777207179 | 0.845366004314531 | 0.7701144708119058 | 0.9378186654843715 | 0.9378186654843715 | 0.9378186654843715 | 0.8458967774270696 frais d'exploitation en % produit net bancaire | 0.7383419843664971 | 1.112932648193309 | 0.6984707770282104 | 0.5945692423581652 | 0.6311762691470523 | 0.46540567162551866 | 0.5842714850978293 | 0.5531616470555787 | 0.7898476272232208 | 0.7898476272232208 | 0.7898476272232208 | 0.5872910868935428 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net UNIBK | 2024419.6799599994 | CBNA | 0.9378186654843715 | UNIBK | 2306082.8515300006 | UNIBK | 0.46540567162551866 | UNIBK | 1875732.4281699997 | UNIBK | 1758421.5338500005 SOGEBK | 1570480.9899799998 | BNC | 0.8929713177503318 | SOGEBK | 954200.1720400001 | SOGEBL | 0.5531616470555787 | SOGEBK | 1433571.6948699998 | BNC | 394759 BNC | 1469550 | UNIBK | 0.851717777207179 | CAPITALBK | 728873 | CAPITALBK | 0.5945692423581652 | BNC | 1113924 | CAPITALBK | 365236 CAPITALBK | 644470 | SOGEBK | 0.8386410207466267 | BUH | 528747.9188167099 | SOGEBK | 0.6311762691470523 | CAPITALBK | 749841 | SOGEBK | 269617.4497200004 BUH | 484626.079227189 | CAPITALBK | 0.82591431719087 | BNC | 196417 | BUH | 0.6984707770282104 | BUH | 615096.2732385064 | BUH | 151652.64080488743 SOGEBL | 197462.27279000002 | BPH | 0.8113283262966033 | CBNA | 57632 | BNC | 0.7383419843664971 | SOGEBL | 97347.92853999994 | SOGEBL | 47549.766666787065 BPH | 56349.89752999999 | SOGEBL | 0.7701144708119058 | SOGEBL | 23916.04149 | CBNA | 0.7898476272232208 | CBNA | 58886.3 | CBNA | 12801.699999999997 CBNA | 18044 | BUH | 0.7260956274955812 | BPH | 4475.1115500000005 | BPH | 1.112932648193309 | BPH | 55861.850880000005 | BPH | -14668.471280000012 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 2023 (Octobre - Mars 2023) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 898882 | 17889.21377 | 765032.29709 | 1147384 | 2530017.61952 | 2695126.8159899996 | 8054331.94637 | 273025.64635 | 273025.64635 | 11900 | 11900 | 8339257.59272 Intérêts sur Bons B.R.H. | 3343 | 0 | 0 | 22990 | 353241.96153 | 0 | 379574.96153 | 0 | 0 | 0 | 0 | 379574.96153 Autres | 1901323 | 102366.88820999999 | 131053.26402448898 | 105862 | 356294.19908 | 1128976.7798600001 | 3725876.1311744894 | 72244.21722000002 | 72244.21722000002 | 19749 | 19749 | 3817869.3483944894 2803548 | 120256.10197999999 | 896085.561114489 | 1276236 | 3239553.7801300003 | 3824103.5958499997 | 12159783.03907449 | 345269.86357000005 | 345269.86357000005 | 31649 | 31649 | 12536701.902644489 Dépenses d'intérêt | 305542 | 21257.272859999997 | 248690.52190999995 | 222400 | 483418.35387 | 526375.80098 | 1807683.94962 | 86697.92566 | 86697.92566 | 2188 | 2188 | 1896569.87528 2498006 | 98998.82912 | 647395.039204489 | 1053836 | 2756135.42626 | 3297727.7948699994 | 10352099.08945449 | 258571.93791000004 | 258571.93791000004 | 29461 | 29461 | 10640132.027364489 AUTRES REVENUS Commissions | 474011 | 5641.39659 | 242640.43281000003 | 564750 | 1060241.58566 | 1100649.3813400008 | 3447933.7964000013 | 9517.662100000001 | 9517.662100000001 | 35717 | 35717 | 3493168.458500001 Gains sur change | -57163 | -2298.06769 | 184867.61819419183 | 488836 | 721319.7159000001 | 1526777.4591199998 | 2862339.7255241917 | 14684.05048 | 14684.05048 | 48361 | 48361 | 2925384.776004192 Autres | 43368 | 3339.46544 | 367111.478482856 | 526604 | 287392.1122599999 | 2380525.52721 | 3608340.5833928557 | 18919.63957 | 18919.63957 | 46617 | 46617 | 3673877.222962856 460216 | 6682.79434 | 794619.5294870478 | 1580190 | 2068953.41382 | 5007952.3676700005 | 9918614.105317049 | 43121.35215 | 43121.35215 | 130695 | 130695 | 10092430.45746705 PRODUIT NET BANCAIRE | 2958222 | 105681.62346 | 1442014.5686915368 | 2634026 | 4825088.84008 | 8305680.16254 | 20270713.19477154 | 301693.29006 | 301693.29006 | 160156 | 160156 | 20732562.484831538 Dotation à la provision pour créances douteuses | 0 | 18000 | 156186.88999412494 | 173735 | 979311.83393 | 214115.853 | 1541349.5769241247 | 8599.13587 | 8599.13587 | 0 | 0 | 1549948.7127941248 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2958222 | 87681.62346 | 1285827.678697412 | 2460291 | 3845777.0061500007 | 8091564.30954 | 18729363.617847413 | 293094.15419000003 | 293094.15419000003 | 160156 | 160156 | 19182613.772037413 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1402494 | 55495.33993 | 419652.94585 | 501681 | 1168203.24137 | 1490475.0500600003 | 5038001.57721 | 76406.69546 | 76406.69546 | 51613 | 51613 | 5166021.27267 Frais de locaux | 65705 | 9770.57826 | 196084.64839 | 159354 | 126330.81688999999 | 158928.33149 | 716173.37503 | 35833.98132 | 35833.98132 | 9279 | 9279 | 761286.35635 Amortissement | 77644 | 3436.4594 | 57983.07753332831 | 54377 | 174550.78710000002 | 259277.2085 | 627268.5325333283 | 7569.91939 | 7569.91939 | 11750 | 11750 | 646588.4519233283 Autres dépenses d'exploitation | 614511 | 37265.29861 | 470494.6837807781 | 696455 | 1218969.9741899997 | 1580141.2338799997 | 4617837.190460777 | 58822.13738999993 | 58822.13738999993 | 78285.95662000001 | 78285.95662000001 | 4754945.284470777 2160354 | 105967.6762 | 1144215.3555541064 | 1411867 | 2688054.8195499997 | 3488821.82393 | 10999280.675234105 | 178632.73355999994 | 178632.73355999994 | 150927.95662 | 150927.95662 | 11328841.365414105 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 797868 | -18286.05274 | 141612.3231433055 | 1048424 | 1157722.186600001 | 4602742.48561 | 7730082.942613307 | 114461.4206300001 | 114461.4206300001 | 9228.043379999988 | 9228.043379999988 | 7853772.406623308 Impôts sur le revenu | 0 | 0 | 42483.6969429916 | 250139 | 325000 | 634464.4065599999 | 1252087.1035029916 | 30904.583570100032 | 30904.583570100032 | 2866 | 2866 | 1285857.6870730917 BÉNÉFICE NET (PERTE NETTE) | 797868 | -18286.05274 | 99128.62620031388 | 798285 | 832722.1866000011 | 3968278.07905 | 6477995.839110316 | 83556.83705990006 | 83556.83705990006 | 6362.043379999988 | 6362.043379999988 | 6567914.719550216 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2022 (Octobre - Mars 2022) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1157655.0070500001 | 12475.14604 | 846497.7994899999 | 945884 | 1975044.4244100002 | 1703281.0401100002 | 6640837.417100001 | 233904.02391 | 233904.02391 | 15211 | 15211 | 6889952.441010001 Intérêts sur Bons B.R.H. | 50254 | 0 | 0 | 1417 | 285335.46705 | 0 | 337006.46705 | 0 | 0 | 0 | 0 | 337006.46705 Autres | 1104212 | 89608.73843 | 86717.67638848 | 22625 | 168942.32793000003 | 491434.04981 | 1963539.7925584798 | 23721.36319 | 23721.36319 | 479 | 479 | 1987740.1557484798 2312121.00705 | 102083.88446999999 | 933215.4758784799 | 969926 | 2429322.21939 | 2194715.08992 | 8941383.67670848 | 257625.3871 | 257625.3871 | 15690 | 15690 | 9214699.06380848 Dépenses d'intérêt | 251117 | 20171.23053 | 244062.86955446727 | 202045 | 370971.90942000004 | 392115.30677 | 1480483.3162744674 | 79255.95109 | 79255.95109 | 1439 | 1439 | 1561178.2673644675 2061004.0070500001 | 81912.65393999999 | 689152.6063240126 | 767881 | 2058350.3099700003 | 1802599.78315 | 7460900.3604340125 | 178369.43601 | 178369.43601 | 14251 | 14251 | 7653520.796444013 AUTRES REVENUS Commissions | 385233 | 6107.0330699999995 | 233002.60781000002 | 448724 | 904099.53219 | 872104.7824900001 | 2849270.95556 | 10117.20051 | 10117.20051 | 34813 | 34813 | 2894201.15607 Gains sur change | 139231 | 527.86626 | 171428.76929999946 | 381545 | 506077.41154 | 1036788.9963600001 | 2235599.04346 | 5457.043520000001 | 5457.043520000001 | 84300 | 84300 | 2325356.0869799997 Autres | 311819 | 4979.03846 | 107995.02381999999 | 290199 | 218314.80603000004 | 831282.70005 | 1764589.56836 | 12850.810510000001 | 12850.810510000001 | 22373 | 22373 | 1799813.37887 836283 | 11613.93779 | 512426.4009299995 | 1120468 | 1628491.74976 | 2740176.4789000005 | 6849459.56738 | 28425.054540000005 | 28425.054540000005 | 141486 | 141486 | 7019370.62192 PRODUIT NET BANCAIRE | 2897287.00705 | 93526.59172999999 | 1201579.0072540122 | 1888349 | 3686842.0597300003 | 4542776.262050001 | 14310359.927814012 | 206794.49055000002 | 206794.49055000002 | 155737 | 155737 | 14672891.418364013 Dotation à la provision pour créances douteuses | 320000 | 18000 | 94455.5803652861 | 45102 | 624214.32761 | -127346.98127999999 | 974424.9266952863 | -11835.729019999999 | -11835.729019999999 | 0 | 0 | 962589.1976752863 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2577287.00705 | 75526.59172999999 | 1107123.426888726 | 1843247 | 3062627.7321200003 | 4670123.243330001 | 13335935.001118727 | 218630.21957000002 | 218630.21957000002 | 155737 | 155737 | 13710302.220688727 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1132240 | 53830.91339 | 366289.62694 | 386144 | 982625.5813 | 1423724.67005 | 4344854.79168 | 62162.19277999999 | 62162.19277999999 | 207405 | 207405 | 4614421.98446 Frais de locaux | 55010 | 9914.22891 | 133759.0706900978 | 144422 | 115852.16915999998 | 150369.06871999998 | 609326.5374800977 | 27875.43426 | 27875.43426 | 19415 | 19415 | 656616.9717400977 Amortissement | 78648 | 6203.05507 | 40293.18239 | 44062 | 179813.31959000003 | 251349.79435 | 600369.3514 | 9459.96199 | 9459.96199 | 33576 | 33576 | 643405.31339 Autres dépenses d'exploitation | 442760 | 30832.73744 | 405957.48820103996 | 479475 | 859188.74254 | 1092255.55647 | 3310469.5246510403 | 42077.53782 | 42077.53782 | 198425.21388579998 | 198425.21388579998 | 3550972.2763568405 1708658 | 100780.93480999999 | 946299.3682211378 | 1054103 | 2137479.81259 | 2917699.08959 | 8865020.205211138 | 141575.12685 | 141575.12685 | 458821.2138858 | 458821.2138858 | 9465416.545946937 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 868629.0070500001 | -25254.343080000006 | 160824.05866758816 | 789144 | 925147.9195300001 | 1752424.153740001 | 4470914.795907589 | 77055.09272000002 | 77055.09272000002 | -303084.2138858 | -303084.2138858 | 4244885.67474179 Impôts sur le revenu | 0 | 0 | 48247.21760027611 | 129899 | 227000 | 154367.68594 | 559513.9035402761 | 20804.87487509998 | 20804.87487509998 | -3642 | -3642 | 576676.7784153761 BÉNÉFICE NET (PERTE NETTE) | 868629.0070500001 | -25254.343080000006 | 112576.84106731205 | 659245 | 698147.9195300001 | 1598056.467800001 | 3911400.8923673127 | 56250.217844900035 | 56250.217844900035 | -299442.2138858 | -299442.2138858 | 3668208.8963264134 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 127711242.00213 | -0.017645713601018888 | 125457686.00213 | 0 | 0 | 0 | 0 | 0.04309329342834707 | 120274655.00213 | 0.16181561174710765 | 103523015 | 0.21434102271599692 | 85250364.6533 | 0.046120395183805105 | 81491924.87383 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 800000 | 0 | 1000000 | 0 | 0 | 0 | 1000000 Prêts nets | 21868803 | -0.07011289095246777 | 20335518 | 0 | 0 | 0 | 0 | -0.07706679465316 | 22033575 | -0.09050578950008019 | 24226185 | 0.07321871539985783 | 22573390.35592 | 0.06277374111676708 | 21240071.6 Dépôts | 99573837 | -0.009532031993504478 | 98624696 | 0 | 0 | 0 | 0 | 0.07091270829777865 | 92094057 | 0.17949430932194144 | 78079272 | 0.2710003946437675 | 61431351.5 | -0.010110508506066363 | 62058797.5 Avoir des Actionnaires | 10245713 | 0.02600287554414222 | 10512131 | 0 | 0 | 0 | 0 | 0.06802336048468474 | 9842604 | 0.1310342640293881 | 8702304 | 0.06445722650936768 | 8175344 | 0.11131662995715223 | 7356448.9 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 1185740 | 0.15723724212076137 | 1024630.00398 | 1312266 | 0.266208913107371 | 1036374.0030700001 | 0 | 0 | 950678.0043500001 | 0 | 0 | 1099281 | 2498006 | 0.21203354843327005 | 2061004.0070500001 Autres revenus | 263799 | -0.5186255045509952 | 548012 | 196417 | -0.31863767080282096 | 288271 | 0 | 0 | 318024 | 0 | 0 | 266941 | 460216 | -0.4496886819414002 | 836283 Dot. à la prov. pr créances douteuses | 0 | -1 | 270000 | 0 | -1 | 50000 | 0 | 0 | 60000 | 0 | 0 | 50000 | 0 | -1 | 320000 Dépenses d'exploitation | 1046430 | 0.19810534414772546 | 873404 | 1113924 | 0.33363503796449945 | 835254 | 0 | 0 | 805750 | 0 | 0 | 1085642 | 2160354 | 0.26435717387563806 | 1708658 Bénéfice (perte) net | 403109 | -0.060872997585781095 | 429238.00398000004 | 394759 | -0.10157696165410492 | 439391.0030700001 | 0 | 0 | 402952.00435000006 | 0 | 0 | 230580 | 797868 | -0.08146286444003933 | 868629.0070500001 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.08022561553217938 | 0.08388377472586098 | 0.08379025100001866 | 0.08813109599337998 | 0 | 0.08453828080120149 | 0 | 0.08183439811010634 | 0.08379025100001866 | 0.08813109599337998 | 0.08183439811010634 | 0.08406153935914637 | 0.0958980531432077 | 0.09027212096645935 Dépôts en % de l'actif | 0.7796794975836135 | 0.7577560258775868 | 0.7861192019620509 | 0.7469014560282239 | 0 | 0.7579449558519507 | 0 | 0.765697951894928 | 0.7861192019620509 | 0.7469014560282239 | 0.765697951894928 | 0.7542213873890747 | 0.7205992813031565 | 0.7615330917275869 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.2981704543489519 | 0.20211804927361274 | 0.32293642100114306 | 0.2111665428298482 | 0 | 0.2653888699235632 | 0 | 0.2061279151235176 | 0.32293642100114306 | 0.2111665428298482 | 0.2061279151235176 | 0.16976937609801523 | 0.13055755492733703 | 0.2411278826739176 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.490875822346351 | 0.6122969985606395 | 0.48628585042232236 | 0.6101198963200616 | 0 | 0.501180780900637 | 0 | 0.6844699825768059 | 0.48628585042232236 | 0.6101198963200616 | 0.6844699825768059 | 0.6749281125897745 | 0.6360964566757642 | 0.19347274672846038 Prêts improductifs nets en % de l'avoir des actionnaires | 0.37957602365008664 | 0.23692405948524356 | 0.3807112944083364 | 0.23298969567651392 | 0 | 0.36926801264749237 | 0 | 0.16951337268064426 | 0.3807112944083364 | 0.23298969567651392 | 0.16951337268064426 | 0.17351669167153894 | 0.14306456095303147 | 0.5889828175113131 Rentabilité ROA (rendement de l'actif) | 0.01300425564097543 | 0.01616849089211553 | 0.012474169025777365 | 0.01616460834466482 | 0 | 0.014501256425361387 | 0 | 0.007883922288292948 | 0.012987594497969124 | 0.0163798123279165 | 0.013424277485871085 | 0.012804772919886341 | 0.017398664580816927 | 0.018573534464179725 ROE ( rendement avoir des action.) | 0.16053470283249713 | 0.19254983091364591 | 0.1521387288583535 | 0.1879498749021253 | 0 | 0.1680458266550967 | 0 | 0.09481754161529071 | 0.1567926086976814 | 0.19014232880893908 | 0.16200253044124027 | 0.14321902315891402 | 0.18678417782147982 | 0.20231433087630732 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8888619023416827 | 0.8886635835034999 | 0.8929713177503318 | 0.894104148254797 | 0 | 0.8820861030533907 | 0 | 0.8923351042888511 | 0.8910159554963925 | 0.8913910650721537 | 0.8894728611533587 | 0.8742902521344234 | 0.8426242348035025 | 0.8222549367124287 Rendement moyen des prêts | 0.06208396589923204 | 0.08589862098799866 | 0.0805737371297326 | 0.08299545865700374 | 0 | 0.0654482747982354 | 0 | 0.07609584982290095 | 0.07223297041880493 | 0.08504871864354034 | 0.07913494619422924 | 0.0788273284435848 | 0.09596795073503067 | 0.08670811586837883 Rendement moyen des prêts productifs | 0.08301307777634459 | 0.10552870884454604 | 0.1168042380882673 | 0.1046072008028485 | 0 | 0.08590593468087729 | 0 | 0.09965577743923786 | 0.09797465311506968 | 0.10504550216369297 | 0.09738041457047548 | 0.09286895347513731 | 0.11747621163588289 | 0.10272105950728723 Rémunération moyenne des dépôts | 0.006188120374505706 | 0.006395837581269216 | 0.006348543457685431 | 0.006002193145708482 | 0 | 0.006077212962581006 | 0 | 0.005951963754203808 | 0.006408221429593764 | 0.006309793519201546 | 0.006003690507811597 | 0.007464132650801321 | 0.012282762603193555 | 0.012096653394315681 Dépenses d'exploitation en % du produit net bancaire | 0.721905378192653 | 0.5553736945786852 | 0.7383419843664971 | 0.6305493155254529 | 0 | 0.6350979167978958 | 0 | 0.7946307408312852 | 0.7302879905564896 | 0.5897441281593103 | 0.6507434355959172 | 0.6400812257592949 | 0.5068533381221949 | 0.5972598218834595 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6785.437097717963 | 8116.861956025807 | 7112.235710076606 | 6953.51707648294 | 0 | 6257.469811837238 | 0 | 6361.918509895227 | 6976.938679245283 | 7515.660199870299 | 6754.8363997558 | 5654.609610621538 | 6294.964816176287 | 5332.309882864483 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 6122616 | 0.0407763609542065 | 6372274 | 0 | 0 | 0 | 0 | 0.08773005517107882 | 5858323 | 0.18497830525081502 | 4943823 | 0.16348325091306345 | 4249157 | -0.6351830731200387 | 11647368 Avoirs à la BRH | 42380046 | -0.0006399002020903894 | 42352927 | 0 | 0 | 0 | 0 | 0.10059479204392782 | 38481853 | 0.20349147715429378 | 31975177 | 0.3722471870644091 | 23301324.5 | 0.32504281834348697 | 17585337 Avoirs à l'étranger | 6085610 | -0.20581042820686835 | 4833128 | 0 | 0 | 0 | 0 | -0.02573715354665221 | 4960805 | -0.13370522083177697 | 5726463 | 2.6639233184809066 | 1562932 | -0.3286406465783715 | 2328011.06 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 677319 | -0.42669702163972956 | 388309 | 0 | 0 | 0 | 0 | -0.2873338129602032 | 544868 | 0.6701600370282954 | 326237 | 0.010631492501202811 | 322805.1 | 1.2212129365030762 | 145328.3 55265591 | -0.023865717820696065 | 53946638 | 0 | 0 | 0 | 0 | 0.08226941826188977 | 49845849 | 0.15996921229553404 | 42971700 | 0.4598240549823882 | 29436218.6 | -0.07158968599891273 | 31706044.36 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 800000 | 0 | 1000000 | 0 | 0 | 0 | 1000000 Bons du Trésor / M.E.F. | 25600000 | -0.078125 | 23600000 | 0 | 0 | 0 | 0 | -0.08527131782945736 | 25800000 | 0.425414364640884 | 18100000 | -0.05974025974025974 | 19250000 | 1.4367088607594938 | 7900000 Autres Placements | 18588524 | 0.13960371463597648 | 21183551 | 0 | 0 | 0 | 0 | 0.4141741519214657 | 14979450 | 0.24755154854898515 | 12007079 | 0.2674044107388846 | 9473755.099999998 | -0.36543955709456505 | 14929633.900000002 Portefeuille net | 21868803 | -0.07011289095246777 | 20335518 | 0 | 0 | 0 | 0 | -0.07706679465316 | 22033575 | -0.09050578950008019 | 24226185 | 0.07321871539985783 | 22573390.35592 | 0.06277374111676708 | 21240071.6 Immobilisations | 3070704.00213 | 0.031441324182672765 | 3167251.00213 | 0 | 0 | 0 | 0 | 0.0659550765527031 | 2971280.00213 | 0.07784804831394886 | 2756678 | 0.17694359185181194 | 2342234.59738 | 0.08320394453898708 | 2162320.96383 Autres actifs | 3317620 | -0.027999590067578566 | 3224728 | 0 | 0 | 0 | 0 | -0.1612102584964863 | 3844501 | 0.5619335224689634 | 2461373 | 0.1317875118518498 | 2174766 | -0.1484376329179813 | 2553854.05 127711242.00213 | -0.017645713601018888 | 125457686.00213 | 0 | 0 | 0 | 0 | 0.04309329342834707 | 120274655.00213 | 0.16181561174710765 | 103523015 | 0.21434102271599692 | 85250364.6533 | 0.046120395183805105 | 81491924.87383 PASSIF Dépôts À vue | 47041743 | -0.021776786629696097 | 46017325 | 0 | 0 | 0 | 0 | 0.009489556001913447 | 45584746 | 0.17756926391991626 | 38710883 | 0.26396948283701815 | 30626438 | -0.010953071434270148 | 30965606.5 Épargne | 38869096 | 0.010498391832935862 | 39277159 | 0 | 0 | 0 | 0 | 0.15098222251461213 | 34124905 | 0.1983036327610699 | 28477678 | 0.3670893355792935 | 20830883 | 0.017728688062133246 | 20468012 À terme | 13662998 | -0.02435673341970774 | 13330212 | 0 | 0 | 0 | 0 | 0.07637071975838002 | 12384406 | 0.1371531206732049 | 10890711 | 0.09190672717513747 | 9974030.5 | -0.061283532258609476 | 10625179 99573837 | -0.009532031993504478 | 98624696 | 0 | 0 | 0 | 0 | 0.07091270829777865 | 92094057 | 0.17949430932194144 | 78079272 | 0.2710003946437675 | 61431351.5 | -0.010110508506066363 | 62058797.5 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 | 5240985 | -0.011777747885178073 | 5179258 | 0 | 0 | 0 | 0 | 0.17312878405222304 | 4414910 | 0.4966435854548364 | 2949874 | -0.006949027916427517 | 2970516.2 | 0.1518832783670273 | 2578834.38 5240985 | -0.011777747885178073 | 5179258 | 0 | 0 | 0 | 0 | 0.17312878405222304 | 4414910 | 0.4966435854548364 | 2949874 | -0.006949027916427517 | 2970516.2 | 0.1518832783670273 | 2578834.38 Obligations à terme Banques locales | 4421818 | -0.3822439096317397 | 2731605 | 0 | 0 | 0 | 0 | -0.5530771455889927 | 6112028 | -0.1785475006898046 | 7440513 | -0.002116734636071315 | 7456296 | 0.7050355319780943 | 4373103 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6859128 | 0.038407068653624775 | 7122567 | 0 | 0 | 0 | 0 | 0.0971988073187594 | 6491592 | 0.23621209339738986 | 5251196 | 0.2501588530488477 | 4200423 | 0.04185817408975263 | 4031664.87 11280946 | -0.12647644975873476 | 9854172 | 0 | 0 | 0 | 0 | -0.21814748461156397 | 12603620 | -0.006940672843980271 | 12691709 | 0.08878913526181767 | 11656719 | 0.3869174235742454 | 8404767.870000001 Autres passifs | 1369761 | -0.06010683615608854 | 1287429 | 0 | 0 | 0 | 0 | -0.024278798057393 | 1319464 | 0.1996697749523574 | 1099856 | 0.08207320888518094 | 1016434 | -0.0701160802857828 | 1093076.22 117465529 | -0.021452880870267907 | 114945555 | 0 | 0 | 0 | 0 | 0.040871322764801314 | 110432051 | 0.16464061316730688 | 94820711 | 0.23023918954328607 | 77075020.7 | 0.039650986137723505 | 74135475.97 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 2148479 | 4.654455547389572e-07 | 2148480 | 0 | 0 | 0 | 0 | 4.654455547389572e-07 | 2148479 | 0.019997559767883602 | 2106357 | 0.833928722239974 | 1148549 | 0.19733813429630587 | 959252 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228000 | 0.4250008906255567 | 159999.9 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 5097234 | 0.05226697459838022 | 5363651 | 0 | 0 | 0 | 0 | 0.14263062871142118 | 4694125 | 0.305393266363492 | 3595947 | -0.05339798541379569 | 3798795 | 0.17348280008908942 | 3237197 10245713 | 0.02600287554414222 | 10512131 | 0 | 0 | 0 | 0 | 0.06802336048468474 | 9842604 | 0.1310342640293881 | 8702304 | 0.06445722650936768 | 8175344 | 0.11131662995715223 | 7356448.9 127711242 | -0.017645713601313187 | 125457686 | 0 | 0 | 0 | 0 | 0.04309329342911023 | 120274655 | 0.1618156117265325 | 103523015 | 0.21434102205078304 | 85250364.7 | 0.04612039580603415 | 81491924.87 Hors-bilan Effets à l'encaissement | 1808968 | 0.056627314579362376 | 1911405 | 0 | 0 | 1464704 | 1211933 | 820292.2 | 1146373 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 355824 Autres | 4562165 | 0.1334083708064044 | 5170796 | 0 | 0 | 4662878 | 4577443 | 3804475.364544665 | 7735704.5 Portefeuille brut | 25618437 | -0.058337360706275716 | 24123925 | 0 | 0 | 0 | 0 | -0.05960245977638163 | 25652901 | -0.06243855144168766 | 27361301 | 0.11144233190052834 | 24617832.35592 | 0.10495716369595375 | 22279445 Provisions pour créances douteuses | 3749634 | 0.010340475897114225 | 3788407 | 0 | 0 | 0 | 0 | 0.046716156544063726 | 3619326 | 0.1544472357641631 | 3135116 | 0.5334824856855808 | 2044442 | 0.9669947297092651 | 1039373.4 Portefeuille de crédit improductif | 7638661 | 0.01987691298252403 | 7790494 | 0 | 0 | 0 | 0 | 0.4733017397285325 | 5287779 | 0.13835363675916462 | 4645111 | 0.4452543275698777 | 3214044 | -0.40172615463689204 | 5372195.4 [bnccomp ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 6122616 | 0.04794108885025083 | 6372274 | 0.05079221690643818 | 0 | 0 | 0 | 0 | 5858323 | 0.048707876151432336 | 4943823 | 0.047755786478977644 | 4249157 | 0.04984327066846766 | 11647368 | 0.14292665215643213 Avoirs à la BRH | 42380046 | 0.3318427206219886 | 42352927 | 0.3375873439852935 | 0 | 0 | 0 | 0 | 38481853 | 0.3199498098690743 | 31975177 | 0.3088702256208438 | 23301324.5 | 0.2733281504983922 | 17585337 | 0.21579238712579835 Avoirs à l'étranger | 6085610 | 0.04765132579243496 | 4833128 | 0.03852396894932323 | 0 | 0 | 0 | 0 | 4960805 | 0.04124563899112533 | 5726463 | 0.055315844500858094 | 1562932 | 0.018333434775982507 | 2328011.06 | 0.028567383376995287 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 677319 | 0.005303519011965317 | 388309 | 0.0030951391849631865 | 0 | 0 | 0 | 0 | 544868 | 0.004530197987184837 | 326237 | 0.003151347553005484 | 322805.1 | 0.0037865538911510607 | 145328.3 | 0.001783346021400338 55265591 | 0.4327386542766397 | 53946638 | 0.4299986690260181 | 0 | 0 | 0 | 0 | 49845849 | 0.4144335229988168 | 42971700 | 0.41509320415368506 | 29436218.6 | 0.3452914098339935 | 31706044.36 | 0.3890697686806261 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 800000 | 0.006651442899468989 | 1000000 | 0.0096596877515594 | 0 | 0 | 1000000 | 0.012271154492279468 Bons du Trésor / M.E.F. | 25600000 | 0.20045220450970977 | 23600000 | 0.1881112329745929 | 0 | 0 | 0 | 0 | 25800000 | 0 | 18100000 | 0 | 19250000 | 0 | 7900000 | 0 Autres Placements | 18588524 | 0.14555119587428314 | 21183551 | 0.16885016514365128 | 0 | 0 | 0 | 0 | 14979450 | 0.12454369542556344 | 12007079 | 0.11598463394830609 | 9473755.099999998 | 0.11112861673411356 | 14929633.900000002 | 0.18320384410007287 Portefeuille net | 21868803 | 0.1712363191929123 | 20335518 | 0.16209065102360287 | 0 | 0 | 0 | 0 | 22033575 | 0.18319383247958432 | 24226185 | 0.23401738251151205 | 22573390.35592 | 0.2647893700833125 | 21240071.6 | 0.26064020003067756 Immobilisations | 3070704.00213 | 0.02404411666499012 | 3167251.00213 | 0.02524557165892751 | 0 | 0 | 0 | 0 | 2971280.00213 | 0.02470412409062724 | 2756678 | 0.02662864871159326 | 2342234.59738 | 0.027474775115690176 | 2162320.96383 | 0.026534174609052573 Autres actifs | 3317620 | 0.025977509481464975 | 3224728 | 0.02570371017320733 | 0 | 0 | 0 | 0 | 3844501 | 0.03196434859806429 | 2461373 | 0.023776094620119013 | 2174766 | 0.025510342493483 | 2553854.05 | 0.03133873759828361 127711242.00213 | 1 | 125457686.00213 | 1 | 0 | 0 | 0 | 0 | 120274655.00213 | 1 | 103523015 | 1 | 85250364.6533 | 1 | 81491924.87383 | 1 PASSIF Dépôts À vue | 47041743 | 0.3683445737628597 | 46017325 | 0.3667955823704474 | 0 | 0 | 0 | 0 | 45584746 | 0.37900541888224676 | 38710883 | 0.373935042367149 | 30626438 | 0.35925286800300466 | 30965606.5 | 0.37998374130863327 Épargne | 38869096 | 0.3043514054882634 | 39277159 | 0.3130709664080139 | 0 | 0 | 0 | 0 | 34124905 | 0.2837248213216298 | 28477678 | 0.2750854773694526 | 20830883 | 0.2443494885296499 | 20468012 | 0.2511661374018301 À terme | 13662998 | 0.10698351833249045 | 13330212 | 0.10625265318358958 | 0 | 0 | 0 | 0 | 12384406 | 0.10296771169105144 | 10890711 | 0.10520086765247322 | 9974030.5 | 0.11699692477050196 | 10625179 | 0.13038321301712347 99573837 | 0.7796794975836135 | 98624696 | 0.7861192019620509 | 0 | 0 | 0 | 0 | 92094057 | 0.765697951894928 | 78079272 | 0.7542213873890747 | 61431351.5 | 0.7205992813031565 | 62058797.5 | 0.7615330917275869 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 | 5240985 | 0.0410377733223563 | 5179258 | 0.041282907130234074 | 0 | 0 | 0 | 0 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146 | 2578834.38 | 0.031645275086981735 5240985 | 0.0410377733223563 | 5179258 | 0.041282907130234074 | 0 | 0 | 0 | 0 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146 | 2578834.38 | 0.031645275086981735 Obligations à terme Banques locales | 4421818 | 0.03462356117346546 | 2731605 | 0.021773117989388257 | 0 | 0 | 0 | 0 | 6112028 | 0.05081725655244456 | 7440513 | 0.07187303229141849 | 7456296 | 0.0874635085764571 | 4373103 | 0.05366302252365082 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6859128 | 0.053708098773995176 | 7122567 | 0.05677266357263336 | 0 | 0 | 0 | 0 | 6491592 | 0.05397306689331212 | 5251196 | 0.050724913682237714 | 4200423 | 0.049271613289661204 | 4031664.87 | 0.04947318248086582 11280946 | 0.08833165994746064 | 9854172 | 0.07854578156202162 | 0 | 0 | 0 | 0 | 12603620 | 0.10479032344575669 | 12691709 | 0.1225979459736562 | 11656719 | 0.1367351218661183 | 8404767.870000001 | 0.10313620500451665 Autres passifs | 1369761 | 0.010725453597711897 | 1287429 | 0.010261858328696914 | 0 | 0 | 0 | 0 | 1319464 | 0.010970424317381188 | 1099856 | 0.010624265531679115 | 1016434 | 0.011922928472314215 | 1093076.22 | 0.01341330716745686 117465529 | 0.9197743844511423 | 114945555 | 0.9162097489830034 | 0 | 0 | 0 | 0 | 110432051 | 0.9181656018721842 | 94820711 | 0.9159384606408536 | 77075020.7 | 0.9041019474045905 | 74135475.97 | 0.9097278789865421 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.023490492715981616 | 3000000 | 0.02391244486965164 | 0 | 0 | 0 | 0 | 3000000 | 0.024942910873008713 | 3000000 | 0.028979063254678198 | 3000000 | 0.03519046531003749 | 3000000 | 0.03681346347683841 Réserves | 2148479 | 0.016822943433313153 | 2148480 | 0.01712513651784972 | 0 | 0 | 0 | 0 | 2148479 | 0.017863106736510294 | 2106357 | 0.020346750913311402 | 1148549 | 0.01347265791379275 | 959252 | 0.011771129489028065 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228000 | 0.0026744753635628495 | 159999.9 | 0.0019633834916492655 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 5097234 | 0.03991217938288461 | 5363651 | 0.042752669612517294 | 0 | 0 | 0 | 0 | 4694125 | 0.03902838050058734 | 3595947 | 0.034735725191156766 | 3798795 | 0.04456045455581462 | 3237197 | 0.03972414450894362 10245713 | 0.08022561553217938 | 10512131 | 0.08379025100001866 | 0 | 0 | 0 | 0 | 9842604 | 0.08183439811010634 | 8702304 | 0.08406153935914637 | 8175344 | 0.0958980531432077 | 7356448.9 | 0.09027212096645935 127711242 | 0.9999999999833218 | 125457686 | 0.9999999999830221 | 0 | 0 | 0 | 0 | 120274655 | 0.9999999999822905 | 103523015 | 1 | 85250364.7 | 1.0000000005477983 | 81491924.87 | 0.9999999999530015 [bncgdes&$ ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 3155523 | 3216751 | 6372274 | 0.4951957495864114 | 4324942 | 1533381 | 5858323 | 0.7382559821300396 Avoirs à la BRH | 22639177 | 19713750 | 42352927 | 0.5345363025322901 | 16813363 | 21668490 | 38481853 | 0.4369166682280087 Avoirs à l'étranger | 4833128 | 0 | 4833128 | 0 | 4960805 | 0 | 4960805 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 97081 | 291228 | 388309 | 0.2500096572574934 | 132838 | 412030 | 544868 | 0.24379849798483302 30724909 | 23221729 | 53946638 | 0.5695426098656973 | 26231948 | 23613901 | 49845849 | 0.5262614345278781 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 800000 | 800000 | 0 Bons du Trésor / M.E.F. | 0 | 23600000 | 23600000 | 0 | 0 | 25800000 | 25800000 | 0 Autres Placements | 18788458 | 2395093 | 21183551 | 0.8869361893102814 | 14884357 | 95093 | 14979450 | 0.9936517695910063 Portefeuille net | 6221404 | 14114114 | 20335518 | 0.30593781776298984 | 4618612 | 17414963 | 22033575 | 0.20961700495720736 Immobilisations | 0 | 3167251.00213 | 3167251.00213 | 0 | 0 | 2971280.00213 | 2971280.00213 | 0 Autres actifs | 345186 | 2879542 | 3224728 | 0.10704344676512252 | 1632967 | 2211534 | 3844501 | 0.4247539537640906 56079957 | 69377729.00213 | 125457686.00213 | 0.4470029600183115 | 47367884 | 72906771.00213 | 120274655.00213 | 0.39383096961833847 PASSIF Dépôts À vue | 23242000 | 22775325 | 46017325 | 0.50507064458875 | 21445290 | 24139456 | 45584746 | 0.4704488207524508 Épargne | 19755616 | 19521543 | 39277159 | 0.5029797598140945 | 15486304 | 18638601 | 34124905 | 0.45381236958754906 À terme | 7909773 | 5420439 | 13330212 | 0.593371883357894 | 6410528 | 5973878 | 12384406 | 0.5176290247590397 50907389 | 47717307 | 98624696 | 0.5161728356556861 | 43342122 | 48751935 | 92094057 | 0.4706288702212348 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 | 1611057 | 3568201 | 5179258 | 0.31105942202531717 | 886670 | 3528240 | 4414910 | 0.2008353511170103 1611057 | 3568201 | 5179258 | 0.31105942202531717 | 886670 | 3528240 | 4414910 | 0.2008353511170103 Obligations à terme Banques locales | 0 | 2731605 | 2731605 | 0 | 0 | 6112028 | 6112028 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3581723 | 3540844 | 7122567 | 0.5028696816751601 | 3142479 | 3349113 | 6491592 | 0.48408448959823724 3581723 | 6272449 | 9854172 | 0.3634727504248962 | 3142479 | 9461141 | 12603620 | 0.2493314619133233 Autres passifs | 0 | 1287429 | 1287429 | 0 | 0 | 1319464 | 1319464 | 0 56100169 | 58845386 | 114945555 | 0.48805862044861154 | 47371271 | 63060780 | 110432051 | 0.428963064355293 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 2148480 | 2148480 | 0 | 0 | 2148479 | 2148479 | 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 | 5363651 | 5363651 | 0 | 0 | 4694125 | 4694125 | 0 0 | 10512131 | 10512131 | 0 | 0 | 9842604 | 9842604 | 0 56100169 | 69357517 | 125457686 | 0.44716406613780524 | 47371271 | 72903384 | 120274655 | 0.3938591301716891 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes [bncrésult ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 397891 | 0.2591161901123675 | 500991 | 0 | 0 | 0 | 0 | 590233.00398 | -0.038647450678263 | 567422.00307 | -0.2229116918900944 | 440937.00434999994 | 0.13178525521045908 | 499046 Intérêts sur bons B.R.H. | 3343 | -1 | 0 | 0 | 0 | 0 | 0 | 24419 | 0.057987632581186783 | 25835 | 0.5000580607702729 | 38754 | -0.129973680136244 | 33717 Autres | 932764 | 0.03837519458298133 | 968559 | 0 | 0 | 0 | 0 | 538349 | 0.05110811016645336 | 565863 | 0.056916603488830333 | 598070 | 0.16901366060829 | 699152 1333998 | 0.10161334574714505 | 1469550 | 0 | 0 | 0 | 0 | 1153001.00398 | 0.005307019741420968 | 1159120.00307 | -0.07019031550185982 | 1077761.00435 | 0.1430317064987618 | 1231915 Dépenses d'intérêt | 148258 | 0.06088035721512498 | 157284 | 0 | 0 | 0 | 0 | 128371 | -0.04381830787327356 | 122746 | 0.03533312694507357 | 127083 | 0.043680114570792315 | 132634 1185740 | 0.10670636058495117 | 1312266 | 0 | 0 | 0 | 0 | 1024630.00398 | 0.011461697436520988 | 1036374.0030700001 | -0.08268829444403947 | 950678.0043500001 | 0.1563126473632922 | 1099281 AUTRES REVENUS Commissions | 213914 | 0.21589517282646298 | 260097 | 0 | 0 | 0 | 0 | 189598 | 0.03184105317566641 | 195635 | 0.01582027755769673 | 198730 | -0.049413777487042725 | 188910 Gains sur change | 25825 | -4.213475314617619 | -82988 | 0 | 0 | 0 | 0 | 70049 | -0.012377050350468958 | 69182 | 0.2519152380677055 | 86610 | -0.2871146518877728 | 61743 Autres | 24060 | -0.1975062344139651 | 19308 | 0 | 0 | 0 | 0 | 288365 | -0.9186655800808003 | 23454 | 0.39353628378954547 | 32684 | -0.501652184555134 | 16288 263799 | -0.25542932308310495 | 196417 | 0 | 0 | 0 | 0 | 548012 | -0.47396954811208514 | 288271 | 0.10321190823912221 | 318024 | -0.16062624204462556 | 266941 PRODUIT NET BANCAIRE | 1449539 | 0.04080193771950944 | 1508683 | 0 | 0 | 0 | 0 | 1572642.00398 | -0.15769450407809013 | 1324645.00307 | -0.04223244611978788 | 1268702.00435 | 0.07686595852740283 | 1366222 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 270000 | -0.8148148148148148 | 50000 | 0.2 | 60000 | -0.16666666666666666 | 50000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1449539 | 0.04080193771950944 | 1508683 | 0 | 0 | 0 | 0 | 1302642.00398 | -0.021492475157763907 | 1274645.00307 | -0.05173440335244355 | 1208702.00435 | 0.0889549245910456 | 1316222 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 676970 | 0.07172252832474113 | 725524 | 0 | 0 | 0 | 0 | 559167 | 0.02486913569649139 | 573073 | -0.16152392452619474 | 480508 | 0.5128156034863103 | 726920 Frais de locaux | 31389 | 0.09324922743636306 | 34316 | 0 | 0 | 0 | 0 | 26582 | 0.06944548942893687 | 28428 | -0.05287040945546644 | 26925 | 0.06384401114206129 | 28644 Amortissement | 36841 | 0.1075432262967889 | 40803 | 0 | 0 | 0 | 0 | 39516 | -0.009717582751290617 | 39132 | -0.003526525605642441 | 38994 | -0.06857465251064267 | 36320 Autres dépenses d'exploitation | 301230 | 0.04000597550044816 | 313281 | 0 | 0 | 0 | 0 | 248139 | -0.21567750333482444 | 194621 | 0.3324512770975383 | 259323 | 0.13278806739086005 | 293758 1046430 | 0.06449929761188039 | 1113924 | 0 | 0 | 0 | 0 | 873404 | -0.043679671721219504 | 835254 | -0.03532338665842965 | 805750 | 0.347368290412659 | 1085642 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 403109 | -0.02071400043164504 | 394759 | 0 | 0 | 0 | 0 | 429238.00398000004 | 0.023653541848249592 | 439391.0030700001 | -0.082930689216217 | 402952.00435000006 | -0.4277730411790667 | 230580 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 403109 | -0.02071400043164504 | 394759 | 0 | 0 | 0 | 0 | 429238.00398000004 | 0.023653541848249592 | 439391.0030700001 | -0.082930689216217 | 402952.00435000006 | -0.4277730411790667 | 230580 0 | 0 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 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 | 397891 | -0.32587470148741043 | 590233.00398 | 500991 | -0.11707512699644945 | 567422.00307 | 0 | 0 | 440937.00434999994 | 0 | 0 | 499046 | 898882 | -0.22353205875161347 | 1157655.0070500001 | 2097638.0114 Intérêts sur bons B.R.H. | 3343 | -0.8630984069781727 | 24419 | 0 | -1 | 25835 | 0 | 0 | 38754 | 0 | 0 | 33717 | 3343 | -0.933477932104907 | 50254 | 122725 Autres | 932764 | 0.7326381213673657 | 538349 | 968559 | 0.7116492861346297 | 565863 | 0 | 0 | 598070 | 0 | 0 | 699152 | 1901323 | 0.7218822110246945 | 1104212 | 2401434 1333998 | 0.15697904459339007 | 1153001.00398 | 1469550 | 0.267815235789053 | 1159120.00307 | 0 | 0 | 1077761.00435 | 0 | 0 | 1231915 | 2803548 | 0.2125438034824155 | 2312121.00705 | 4621797.0114 Dépenses d'intérêt | 148258 | 0.15491816687569623 | 128371 | 157284 | 0.2813778045720431 | 122746 | 0 | 0 | 127083 | 0 | 0 | 132634 | 305542 | 0.21673164301899114 | 251117 | 510834 1185740 | 0.15723724212076137 | 1024630.00398 | 1312266 | 0.266208913107371 | 1036374.0030700001 | 0 | 0 | 950678.0043500001 | 0 | 0 | 1099281 | 2498006 | 0.21203354843327005 | 2061004.0070500001 | 4110963.0114 AUTRES REVENUS Commissions | 213914 | 0.12825029799892404 | 189598 | 260097 | 0.3295013673422445 | 195635 | 0 | 0 | 198730 | 0 | 0 | 188910 | 474011 | 0.23045273899172708 | 385233 | 772873 Gains sur change | 25825 | -0.6313294979228825 | 70049 | -82988 | -2.199560579341447 | 69182 | 0 | 0 | 86610 | 0 | 0 | 61743 | -57163 | -1.4105623029354095 | 139231 | 287584 Autres | 24060 | -0.9165640767776949 | 288365 | 19308 | -0.17677155282680992 | 23454 | 0 | 0 | 32684 | 0 | 0 | 16288 | 43368 | -0.8609193153720588 | 311819 | 360791 263799 | -0.5186255045509952 | 548012 | 196417 | -0.31863767080282096 | 288271 | 0 | 0 | 318024 | 0 | 0 | 266941 | 460216 | -0.4496886819414002 | 836283 | 1421248 PRODUIT NET BANCAIRE | 1449539 | -0.07827783034438497 | 1572642.00398 | 1508683 | 0.13893382491420195 | 1324645.00307 | 0 | 0 | 1268702.00435 | 0 | 0 | 1366222 | 2958222 | 0.02103174204064909 | 2897287.00705 | 5532211.0114 Dotation à la provision pour créances douteuses | 0 | 0 | 270000 | 0 | -1 | 50000 | 0 | 0 | 60000 | 0 | 0 | 50000 | 0 | -1 | 320000 | 430000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1449539 | 0.11276850859344416 | 1302642.00398 | 1508683 | 0.18361033571411348 | 1274645.00307 | 0 | 0 | 1208702.00435 | 0 | 0 | 1316222 | 2958222 | 0.14780464570223537 | 2577287.00705 | 5102211.0114 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 676970 | 0.21067588037205343 | 559167 | 725524 | 0.2660237002964718 | 573073 | 0 | 0 | 480508 | 0 | 0 | 726920 | 1402494 | 0.23868967710026143 | 1132240 | 2339668 Frais de locaux | 31389 | 0.18083665638401927 | 26582 | 34316 | 0.20711974110032363 | 28428 | 0 | 0 | 26925 | 0 | 0 | 28644 | 65705 | 0.1944191965097255 | 55010 | 110579 Amortissement | 36841 | -0.067694098592975 | 39516 | 40803 | 0.0427016252683226 | 39132 | 0 | 0 | 38994 | 0 | 0 | 36320 | 77644 | -0.012765741023293663 | 78648 | 153962 Autres dépenses d'exploitation | 301230 | 0.21395669362736208 | 248139 | 313281 | 0.6096978229481916 | 194621 | 0 | 0 | 259323 | 0 | 0 | 293758 | 614511 | 0.38790992862950585 | 442760 | 995841 1046430 | 0.19810534414772546 | 873404 | 1113924 | 0.33363503796449945 | 835254 | 0 | 0 | 805750 | 0 | 0 | 1085642 | 2160354 | 0.26435717387563806 | 1708658 | 3600050 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 403109 | -0.060872997585781095 | 429238.00398000004 | 394759 | -0.10157696165410492 | 439391.0030700001 | 0 | 0 | 402952.00435000006 | 0 | 0 | 230580 | 797868 | -0.08146286444003933 | 868629.0070500001 | 1502161.0114000002 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 403109 | -0.060872997585781095 | 429238.00398000004 | 394759 | -0.10157696165410492 | 439391.0030700001 | 0 | 0 | 402952.00435000006 | 0 | 0 | 230580 | 797868 | -0.08146286444003933 | 868629.0070500001 | 1502161.0114000002 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 898882 | -0.22353205875161347 | 1157655.0070500001 | 2097638.0114 | 0.023893291791855075 | 2048688.10863 | -0.08960054117248659 | 2250317.80145 | 0.33828995048545685 | 1681487.48381 Intérêts sur Bons B.R.H. | 3343 | -0.933477932104907 | 50254 | 122725 | 1.4625278407608804 | 49837 | -0.9233885335983947 | 650516.2 | 0.017800822669247148 | 639139 Autres | 1901323 | 0.7218822110246945 | 1104212 | 2401434 | 0.17529472860810588 | 2043261.1 | 0.06519383556337942 | 1918205.8999799998 | 0.20096295870232778 | 1597223.2 2803548 | 0.2125438034824155 | 2312121.00705 | 4621797.0114 | 0.11589463545217031 | 4141786.20863 | -0.14053705855372392 | 4819039.90143 | 0.23002164206147308 | 3917849.6838100003 Dépenses d'intérêt | 305542 | 0.21673164301899114 | 251117 | 510834 | -0.018877665376196427 | 520662.9 | -0.3134719978383124 | 758400.092 | 0.08906314216160972 | 696378.44 2498006 | 0.21203354843327005 | 2061004.0070500001 | 4110963.0114 | 0.13527285900554548 | 3621123.30863 | -0.10823823865867468 | 4060639.8094299994 | 0.26049233474687894 | 3221471.2438100004 AUTRES REVENUS Commissions | 474011 | 0.23045273899172708 | 385233 | 772873 | 0.1040017712640969 | 700065 | 0.1670704633389687 | 599848.1 | -0.039636090008885655 | 624605 Gains sur change | -57163 | -1.4105623029354095 | 139231 | 287584 | 0.3732928389968101 | 209412 | -0.2906239340067391 | 295205.9 | 0.46924891625149945 | 200923 Autres | 43368 | -0.8609193153720588 | 311819 | 360791 | 4.657691704563274 | 63770 | -0.4449973389985322 | 114900.35 | 0.10264817089555109 | 104204 460216 | -0.4496886819414002 | 836283 | 1421248 | 0.4603158293834967 | 973247 | -0.03634555363814214 | 1009954.35 | 0.08628545645411793 | 929732 PRODUIT NET BANCAIRE | 2958222 | 0.02103174204064909 | 2897287.00705 | 5532211.0114 | 0.2041282351595329 | 4594370.30863 | -0.09391874715793326 | 5070594.159429999 | 0.22147576536777225 | 4151203.2438100004 Dotation à la provision pour créances douteuses | 0 | 0 | 320000 | 430000 | -0.033707865168539325 | 445000 | -0.5761904761904761 | 1050000 | 2.652173913043478 | 287500 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2958222 | 0.14780464570223537 | 2577287.00705 | 5102211.0114 | 0.2296350125194298 | 4149370.30863 | 0.0320291340268617 | 4020594.159429999 | 0.040606357610759064 | 3863703.2438100004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1402494 | 0.23868967710026143 | 1132240 | 2339668 | 0.1561777487121984 | 2023623.1 | 0.18883419206961014 | 1702191.2 | 0.11924792883487405 | 1520834.8 Frais de locaux | 65705 | 0.1944191965097255 | 55010 | 110579 | 0.06727214817245607 | 103609 | -0.1889801685303108 | 127751.5 | 0.16575840476846615 | 109586.6 Amortissement | 77644 | -0.012765741023293663 | 78648 | 153962 | -0.01839997959808222 | 156848 | 0.45031554127464807 | 108147.5 | 0.12867624037237263 | 95818 Autres dépenses d'exploitation | 614511 | 0.38790992862950585 | 442760 | 995841 | 0.5164550710294472 | 656690.07874 | 0.03913666286755085 | 631957.37597 | -0.16086698435658936 | 753107.51 2160354 | 0.26435717387563806 | 1708658 | 3600050 | 0.22418610812439416 | 2940770.1787400004 | 0.14424736967372298 | 2570047.57597 | 0.03658248291280867 | 2479346.91 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 797868 | -0.08146286444003933 | 868629.0070500001 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | -0.16679674843181033 | 1450546.583459999 | 0.047813014636073604 | 1384356.3338100002 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 797868 | -0.08146286444003933 | 868629.0070500001 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | -0.16679674843181033 | 1450546.583459999 | 0.047813014636073604 | 1384356.3338100002 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 6133163.696362 | -0.04772419802187572 | 5840463.377616241 | 0 | 0 | 0 | 0 | 0.03281298332499763 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 | 0.1644471289336575 | 4294146.689309999 | -0.10464078580606265 | 4796004.353600001 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 540000 Prêts nets | 436756.94957199995 | 0.044236028123131876 | 456077.34227624023 | 0 | 0 | 0 | 0 | 0.4703595148671387 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002 | -0.7715706289926039 | 735168.3774700001 Dépôts | 5188976.49202 | -0.03972200538333166 | 4982859.93987 | 0 | 0 | 0 | 0 | 0.0622886187509474 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 | 0.1726374357804065 | 3500425.74977 | -0.13847968195698723 | 4063079.73992 Avoir des Actionnaires | -354607.07864 | 0.027228940344426553 | -344951.5036500001 | 0 | 0 | 0 | 0 | 0.017202775380379908 | -350989.49713 | 0.004444980957996317 | -349436.25961000007 | -0.13924240299816604 | -306726.8727800001 | -6.082624852556206 | -43306.948929999955 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 53280.56107 | 0.4083703732801453 | 37831.35607000001 | 45718.26804999999 | 0.037135253703908 | 44081.29787 | 0 | 0 | 42130.54218999999 | 0 | 0 | 43374.006330000004 | 98998.82912 | 0.20859017939420468 | 81912.65393999999 Autres revenus | 2207.68279 | -0.3323902969102766 | 3306.84647 | 4475.1115500000005 | -0.46129019441187497 | 8307.09132 | 0 | 0 | 11717.30542 | 0 | 0 | 23086.17564 | 6682.79434 | -0.4245884160190598 | 11613.93779 Dot. à la prov. pr créances douteuses | 9000 | 0 | 9000 | 9000 | 0 | 9000 | 0 | 0 | 9002.51826 | 0 | 0 | 9000 | 18000 | 0 | 18000 Dépenses d'exploitation | 50105.82531999999 | -0.05574462190521588 | 53063.84955 | 55861.850880000005 | 0.17068866582317324 | 47717.08526 | 0 | 0 | 57535.17954 | 0 | 0 | 63091.775799999996 | 105967.6762 | 0.051465501880672726 | 100780.93480999999 Bénéfice (perte) net | -3617.5814599999867 | 0.8271221215634953 | -20925.647009999993 | -14668.471280000012 | -2.3886581646745224 | -4328.696069999998 | 0 | 0 | -12689.850189999997 | 0 | 0 | -5631.593829999991 | -18286.05274 | 0.27592443477646794 | -25254.343080000006 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | -0.057817970658494214 | -0.07378515349902502 | -0.05906235196543438 | -0.05610282302922067 | 0 | -0.05699821592332317 | 0 | -0.062068107649796 | -0.05906235196543438 | -0.05610282302922067 | -0.062068107649796 | -0.06988296413271866 | -0.07142906262228461 | -0.00902979766844721 Dépôts en % de l'actif | 0.846052176154688 | 0.8390864450292649 | 0.8531617472283051 | 0.8172947588948617 | 0 | 0.8213556988377361 | 0 | 0.8294888167489815 | 0.8531617472283051 | 0.8172947588948617 | 0.8294888167489815 | 0.8208956876052808 | 0.8151621272007507 | 0.8471801608916704 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.8862416427797208 | 0.8512048658350672 | 0.8990194311367232 | 0.8566284546641875 | 0 | 0.8593509453446603 | 0 | 0.8837942060835163 | 0.8990194311367232 | 0.8566284546641875 | 0.8837942060835163 | 0.8479007695801347 | 0.8186232390920686 | 0.7961267802538988 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.8058952107256309 | 0.8936029231728382 | 0.7892794220038946 | 0.8868347282651149 | 0 | 0.8462386358091112 | 0 | 0.8711693742290048 | 0.7892794220038946 | 0.8868347282651149 | 0.8711693742290048 | 0.8961444012475123 | 1.031441875855655 | 0.5864595640785304 Prêts improductifs nets en % de l'avoir des actionnaires | 0.7413884181499935 | 0.3084294049302841 | 0.8624348111365049 | 0.4215385944478241 | 0 | 0.5787125377208372 | 0 | 0.43736044774056343 | 0.8624348111365049 | 0.4215385944478241 | 0.43736044774056343 | 0.314507504586552 | 0.0905450304367197 | 10.4837736889378 Rentabilité ROA (rendement de l'actif) | -0.00245507917716481 | -0.016707144687341653 | -0.009800519885492914 | -0.00337187055575921 | 0 | -0.00954026312008516 | 0 | -0.004078821286011897 | -0.0063629266550980145 | -0.009854609115666324 | -0.008179240704489846 | -0.01696378627100233 | -0.01384151012519602 | -0.00017349300779253164 ROE (rendement avoir des action.) | -0.041015861859048396 | -0.23256750567330567 | -0.1677454515043801 | -0.05207899929455463 | 0 | -0.16868577904218246 | 0 | -0.0684437011341434 | 0.10510116644661124 | 0.1568587133988878 | -0.12442656964191413 | -0.24028951709875565 | -0.35945502947495706 | 0.01671486341039895 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8337306452253245 | 0.7892105191389053 | 0.8113283262966033 | 0.8140863005258641 | 0 | 0.804125909768196 | 0 | 0.8072015395866203 | 0.8232333119899784 | 0.8024053391509818 | 0.8040760696012017 | 0.7160007339410267 | 0.6270836139314504 | 0.6364740199698565 Rendement moyen des prêts | 0.03299356824698987 | 0.019014571024067263 | 0.01555734666703605 | 0.020488325721886975 | 0 | 0.01843891047492803 | 0 | 0.016115680018635756 | 0.02451735215135307 | 0.019731938357714047 | 0.0184541692292859 | 0.02910772446253817 | 0.03294439579726986 | 0.0443433210471552 Rendement moyen des prêts productifs | 0.2871366057320032 | 0.12639438934139802 | 0.14501270214608075 | 0.14027096031563313 | 0 | 0.12987277369971886 | 0 | 0.1254959725292135 | 0.2269837032763427 | 0.13361400563109843 | 0.1382750432870205 | 0.1756920006057282 | 0.16981827014559475 | 0.15485699467589883 Rémunération moyenne des dépôts | 0.00860405572004989 | 0.009719606946130055 | 0.008361620481169743 | 0.00947124874203056 | 0 | 0.009416366180181922 | 0 | 0.009089230227218534 | 0.00878985967783203 | 0.00961002734772496 | 0.009276072555108485 | 0.014843405159227984 | 0.022461311082748087 | 0.018361007040223812 Dépenses d'exploitation en % du produit net bancaire | 0.9029989387737669 | 1.2898922722353827 | 1.112932648193309 | 0.9108332208295561 | 0 | 1.068476867575209 | 0 | 0.9493169282696141 | 1.0027067405915493 | 1.0775644973885332 | 1.0354164764976057 | 1.181564322333451 | 1.2216681302844923 | 0.9062650763599059 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1775.6238035200001 | 1228.0060459701494 | 1580.893845669291 | 1611.9504366153847 | 0 | 1656.8568495384613 | 0 | 2101.50773027668 | 1690.90597536 | 1395.9192795522385 | 1638.5794736398464 | 1276.8962666165414 | 1360.743204496124 | 1403.7325599610897 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 389484.68627000006 | 0.17545570087607218 | 457821.99488 | 0 | 0 | 0 | 0 | -0.3560077266821798 | 710912.24825 | 1.2839135849939394 | 311269.32863 | -0.05836252290844363 | 330561.74611 | 0.42864099213285567 | 231381.95525 Avoirs à la BRH | 1829511.87379 | -0.21020278988041294 | 1444943.3738000002 | 0 | 0 | 0 | 0 | -0.03909833547932204 | 1503736.9869900001 | 0.03911636210513871 | 1447130.5060999999 | 0.18980830969902623 | 1216271.97785 | -0.18662370378447105 | 1495337.37768 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 353802.10764 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 8059.821900000001 | 0.21407580854857322 | 9785.234789999999 | 0 | 0 | 0 | 0 | -0.8248424230969238 | 55865.324029999996 | -0.31611259046905577 | 81687.89665 | 2.172786733953176 | 25746.419 | 3.174243188189729 | 6167.925020000001 2227056.38196 | -0.14122039344742937 | 1912550.6034700002 | 0 | 0 | 0 | 0 | -0.15765763506713207 | 2270514.55927 | 0.2339164706930553 | 1840087.7313799998 | 0.1701074438829438 | 1572580.1429599999 | -0.24637554161524114 | 2086689.36559 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 540000 Bons du Trésor / M.E.F. | 1771000 | -0.000564652738565782 | 1770000 | 0 | 0 | 0 | 0 | 0.03206997084548105 | 1715000 | 0.1078811369509044 | 1548000 | 0.10413694721825963 | 1402000 | 2.4125760664315754 | 410833.33315 Autres Placements | 70000 | -1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100000 | 1.847368170879867 | 35120.15096 Portefeuille net | 436756.94957199995 | 0.044236028123131876 | 456077.34227624023 | 0 | 0 | 0 | 0 | 0.4703595148671387 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002 | -0.7715706289926039 | 735168.3774700001 Immobilisations | 248459.61039 | -0.0031455556046845598 | 247678.06686999998 | 0 | 0 | 0 | 0 | 0.004998154359112004 | 246446.29027 | -0.2895195091152242 | 346872.70577 | 0.0050403929189252 | 345133.09933999996 | -0.02520532191542868 | 354057.22569 Autres actifs | 1379890.75444 | 0.053820645091675924 | 1454157.3650000002 | 0 | 0 | 0 | 0 | 0.30679380786310734 | 1112767.26003 | 0.15238385513581038 | 965622.04952 | 0.36676981420646665 | 706499.39696 | 0.11411354590641544 | 634135.90074 6133163.696362 | -0.04772419802187572 | 5840463.377616241 | 0 | 0 | 0 | 0 | 0.03281298332499763 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 | 0.1644471289336575 | 4294146.689309999 | -0.10464078580606265 | 4796004.353600001 PASSIF Dépôts à vue | 2219440.9707 | -0.08496629021429822 | 2030863.30507 | 0 | 0 | 0 | 0 | -0.03398049729470866 | 2102300.52228 | 0.1636145494406905 | 1806698.38074 | 0.09109483268757836 | 1655858.25046 | -0.11647512847444794 | 1874150.12732 Épargne | 661576.1766 | 0.023301579417846177 | 676991.9464199999 | 0 | 0 | 0 | 0 | 0.1565913971219572 | 585333.72123 | 0.12332685279925207 | 521071.6006400001 | 0.2115868586682112 | 430073.66489 | -0.11024491808119823 | 483361.85274999996 À terme | 2307959.34472 | -0.014278698806108213 | 2275004.68838 | 0 | 0 | 0 | 0 | 0.13577058601886594 | 2003049.48586 | 0.12723367689037227 | 1776960.29397 | 0.2562517069568039 | 1414493.8344200002 | -0.170661015224396 | 1705567.75985 5188976.49202 | -0.03972200538333166 | 4982859.93987 | 0 | 0 | 0 | 0 | 0.0622886187509474 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 | 0.1726374357804065 | 3500425.74977 | -0.13847968195698723 | 4063079.73992 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 | 320711.45651000005 | -0.19184222799375303 | 259185.45615 | 0 | 0 | 0 | 0 | -0.23156284954213543 | 337289.07562 | 0.1757971590961116 | 286859.91713 | 1.0477607605903234 | 140084.68306 | -0.266055002498848 | 190865.36939 320711.45651000005 | -0.19184222799375303 | 259185.45615 | 0 | 0 | 0 | 0 | -0.23156284954213543 | 337289.07562 | 0.1757971590961116 | 286859.91713 | 1.0477607605903234 | 140084.68306 | -0.266055002498848 | 190865.36939 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24999.99982 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 951592.62809 | -0.040228795978418774 | 913311.2024000001 | 0 | 0 | 0 | 0 | -0.04235631958785335 | 953706.70854 | 0.016375286830606 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263 | 0.7612580108945921 | 533506.28177 951592.62809 | -0.040228795978418774 | 913311.2024000001 | 0 | 0 | 0 | 0 | -0.04235631958785335 | 953706.70854 | 0.016375286830606 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263 | 0.682420133136107 | 558506.28159 Autres passifs | 26490.19834 | 0.13469452943325907 | 30058.28314 | 0 | 0 | 0 | 0 | 0.24110706944819377 | 24218.928310000003 | 0.22245290381890295 | 19811.747539999997 | -0.043876876020228606 | 20720.91663 | -0.22855603862610321 | 26859.91163 6487770.774959999 | -0.0466039729034452 | 6185414.88156 | 0 | 0 | 0 | 0 | 0.02989002252675481 | 6005898.44184 | 0.12265175964956596 | 5349743.0438399995 | 0.1627668032263457 | 4600873.56209 | -0.04927100687144144 | 4839311.30253 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 165000 | 0 | 0 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 238291.42462 | 0 | 238291.42462 | 0 | 0 | 0 | 0 | 0 | 238291.42462 | 0.5834479743300224 | 150488.951 | 0.19151331147143083 | 126300.688 | 0.6069858896846965 | 78594.77100000001 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 104325 | 0.9173256649892164 | 200025 | 0 | 0 | 0 | 0 | 0.9173256649892164 | 104325 | -0.4015488312060806 | 174325 | 0 | 174325 | 11.169284467713787 | 14325 BNR | -862223.50326 | -0.09979364362566402 | -948267.92827 | 0 | 0 | 0 | 0 | -0.10442742619018054 | -858605.92175 | 0.02306309953253562 | -839250.2106100001 | 0.08661543086286912 | -772352.56078 | 1.5640240711696554 | -301226.71992999996 -354607.07864 | 0.027228940344426553 | -344951.5036500001 | 0 | 0 | 0 | 0 | 0.017202775380379908 | -350989.49713 | 0.004444980957996317 | -349436.25961000007 | 0.13924240299816604 | -306726.8727800001 | 6.082624852556206 | -43306.948929999955 6133163.696319999 | -0.04772419796745763 | 5840463.377909999 | 0 | 0 | 0 | 0 | 0.03281298337678445 | 5654908.94471 | 0.13091239972405086 | 5000306.784229999 | 0.16444712908339598 | 4294146.68931 | -0.10464078580606227 | 4796004.3536 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 | 286917.5164485 | -0.09240396950165218 | 260405.199009103 | 0 | 0 | 224784.359406334 | 202711.42267 | 228705.636893397 | 185921.176250502 Portefeuille brut | 1528286.560412 | 0.027551266683186044 | 1570392.79100624 | 0 | 0 | 0 | 0 | 0.16478275695163072 | 1348228.0550891198 | 0.0802874296785037 | 1248027.1620770001 | 0.1566450656025408 | 1079006.16982 | -0.21756383260130455 | 1379034.11777 Provisions pour créances douteuses | 1091529.61084 | 0.02087514407645316 | 1114315.4487299998 | 0 | 0 | 0 | 0 | 0.07347279325469754 | 1038047.2199499999 | 0.09463680653844488 | 948302.86516 | 0.040864762055718436 | 911072.11977 | 0.4150032572714602 | 643865.7403 Portefeuille de crédit improductif | 1354431.1919377 | 0.04236645023793912 | 1411813.633631641 | 0 | 0 | 0 | 0 | 0.18484860428420263 | 1191556.143567012 | 0.1260182859929372 | 1058203.1911819999 | 0.1980117280119877 | 883299.525738375 | -0.1954542346453527 | 1097885.9920405059 [bphcomp ] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 389484.68627000006 | 0.06350469440446048 | 457821.99488 | 0.07838795747519232 | 0 | 0 | 0 | 0 | 710912.24825 | 0.12571594966443234 | 311269.32863 | 0.06225004626750304 | 330561.74611 | 0.07697961202231682 | 231381.95525 | 0.048244734197607414 Avoirs à la BRH | 1829511.87379 | 0.2982982298149337 | 1444943.3738000002 | 0.2474021803368875 | 0 | 0 | 0 | 0 | 1503736.9869900001 | 0.2659170999379107 | 1447130.5060999999 | 0.28940834407401944 | 1216271.97785 | 0.2832395038757829 | 1495337.37768 | 0.31178816102565926 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 353802.10764 | 0.07377018066600112 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 8059.821900000001 | 0.001314137743426094 | 9785.234789999999 | 0.001675420965312824 | 0 | 0 | 0 | 0 | 55865.324029999996 | 0.009879084628280186 | 81687.89665 | 0.01633657697126349 | 25746.419 | 0.005995700860451285 | 6167.925020000001 | 0.0012860549251524766 2227056.38196 | 0.36311706196282023 | 1912550.6034700002 | 0.32746555877739264 | 0 | 0 | 0 | 0 | 2270514.55927 | 0.4015121342306232 | 1840087.7313799998 | 0.36799496731278597 | 1572580.1429599999 | 0.366214816758551 | 2086689.36559 | 0.4350891308144203 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 540000 | 0.11259372598247591 Bons du Trésor / M.E.F. | 1771000 | 0.2887579865266765 | 1770000 | 0.3030581454861237 | 0 | 0 | 0 | 0 | 1715000 | 0.30327632447638236 | 1548000 | 0 | 1402000 | 0 | 410833.33315 | 0 Autres Placements | 70000 | 0.011413359151252037 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100000 | 0.023287513733274073 | 35120.15096 | 0.007322793803061904 Portefeuille net | 436756.94957199995 | 0.07121234181815014 | 456077.34227624023 | 0.0780892392929251 | 0 | 0 | 0 | 0 | 310180.8351391199 | 0.05485160560000407 | 299724.2969170001 | 0.05994118158926063 | 167934.05005000002 | 0.03910766496823711 | 735168.3774700001 | 0.15328767934044185 Immobilisations | 248459.61039 | 0.040510839542303174 | 247678.06686999998 | 0.042407263063960636 | 0 | 0 | 0 | 0 | 246446.29027 | 0.043580947576632785 | 346872.70577 | 0.06937028482103828 | 345133.09933999996 | 0.08037291790687694 | 354057.22569 | 0.07382337453973238 Autres actifs | 1379890.75444 | 0.22498841099879788 | 1454157.3650000002 | 0.24897979337959794 | 0 | 0 | 0 | 0 | 1112767.26003 | 0.19677898811635755 | 965622.04952 | 0.19311256115115907 | 706499.39696 | 0.1645261440925585 | 634135.90074 | 0.1322217108214261 6133163.696362 | 1 | 5840463.377616241 | 1 | 0 | 0 | 0 | 0 | 5654908.94470912 | 1 | 5000306.783586999 | 1 | 4294146.689309999 | 1 | 4796004.353600001 | 1 PASSIF Dépôts À vue | 2219440.9707 | 0.3618753844800364 | 2030863.30507 | 0.34772297568945426 | 0 | 0 | 0 | 0 | 2102300.52228 | 0.37176558328971276 | 1806698.38074 | 0.361317506891838 | 1655858.25046 | 0.3856082174794243 | 1874150.12732 | 0.39077323312127854 Épargne | 661576.1766 | 0.1078686644206849 | 676991.9464199999 | 0.11591408123790192 | 0 | 0 | 0 | 0 | 585333.72123 | 0.1035089560155789 | 521071.6006400001 | 0.10420792627171693 | 430073.66489 | 0.10015346377445386 | 483361.85274999996 | 0.1007842814794729 À terme | 2307959.34472 | 0.3763081272539667 | 2275004.68838 | 0.38952469030094894 | 0 | 0 | 0 | 0 | 2003049.48586 | 0.3542142774436899 | 1776960.29397 | 0.3553702544417259 | 1414493.8344200002 | 0.32940044594687257 | 1705567.75985 | 0.35562264629091883 5188976.49202 | 0.846052176154688 | 4982859.93987 | 0.8531617472283051 | 0 | 0 | 0 | 0 | 4690683.72937 | 0.8294888167489815 | 4104730.27535 | 0.8208956876052808 | 3500425.74977 | 0.8151621272007507 | 4063079.73992 | 0.8471801608916704 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 | 320711.45651000005 | 0.05229135767242541 | 259185.45615 | 0.04437755010044861 | 0 | 0 | 0 | 0 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 | 140084.68306 | 0.03262223980581096 | 190865.36939 | 0.03979674648266983 320711.45651000005 | 0.05229135767242541 | 259185.45615 | 0.04437755010044861 | 0 | 0 | 0 | 0 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 | 140084.68306 | 0.03262223980581096 | 190865.36939 | 0.03979674648266983 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 24999.99982 | 0.005212672461657458 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 951592.62809 | 0.1551552632867854 | 913311.2024000001 | 0.15637649675200327 | 0 | 0 | 0 | 0 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516 | 533506.28177 | 0.11123974092507585 951592.62809 | 0.1551552632867854 | 913311.2024000001 | 0.15637649675200327 | 0 | 0 | 0 | 0 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516 | 558506.28159 | 0.11645241338673332 Autres passifs | 26490.19834 | 0.004319173537747436 | 30058.28314 | 0.0051465579349747 | 0 | 0 | 0 | 0 | 24218.928310000003 | 0.00428281490414799 | 19811.747539999997 | 0.003962106406156928 | 20720.91663 | 0.004825386305871521 | 26859.91163 | 0.005600476907373589 6487770.774959999 | 1.057817970651646 | 6185414.88156 | 1.0590623520157316 | 0 | 0 | 0 | 0 | 6005898.44184 | 1.0620681076499516 | 5349743.0438399995 | 1.0698829642613108 | 4600873.56209 | 1.0714290626222849 | 4839311.30253 | 1.009029797668447 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.0269029179993798 | 165000 | 0.02825118305379119 | 0 | 0 | 0 | 0 | 165000 | 0.0291781886522467 | 165000 | 0.03299797535255153 | 165000 | 0.03842439765990222 | 165000 | 0.034403638494645415 Réserves | 238291.42462 | 0.03885293731216517 | 238291.42462 | 0.040800088830838216 | 0 | 0 | 0 | 0 | 238291.42462 | 0.04213886146530293 | 150488.951 | 0.030095943611692936 | 126300.688 | 0.029412290063219635 | 78594.77100000001 | 0.01638755205486934 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 | 104325 | 0.01700998133506241 | 200025 | 0.034248138729300506 | 0 | 0 | 0 | 0 | 104325 | 0.01844857291603416 | 174325 | 0.03486286092929421 | 174325 | 0.04059595831553003 | 14325 | 0.002986861342035125 BNR | -862223.50326 | -0.1405838073051016 | -948267.92827 | -0.16236176257936427 | 0 | 0 | 0 | 0 | -858605.92175 | -0.1518337306833798 | -839250.2106100001 | -0.16783974402625731 | -772352.56078 | -0.17986170866093648 | -301226.71992999996 | -0.06280784955999709 -354607.07864 | -0.057817970658494214 | -344951.5036500001 | -0.05906235196543438 | 0 | 0 | 0 | 0 | -350989.49713 | -0.062068107649796 | -349436.25961000007 | -0.06988296413271866 | -306726.8727800001 | -0.07142906262228461 | -43306.948929999955 | -0.00902979766844721 6133163.696319999 | 0.9999999999931518 | 5840463.377909999 | 1.000000000050297 | 0 | 0 | 0 | 0 | 5654908.94471 | 1.0000000000001557 | 5000306.784229999 | 1.000000000128592 | 4294146.68931 | 1.0000000000000002 | 4796004.3536 | 0.9999999999999998 [bphgdes&$] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 140122.14133 | 317699.85355 | 457821.99488 | 0.3060624934953759 | 137330.1037 | 573582.14455 | 710912.24825 | 0.1931744797449409 Avoirs à la BRH | 882726.8442 | 562216.5296 | 1444943.3738000002 | 0.6109075692555004 | 941357.43102 | 562379.55597 | 1503736.9869900001 | 0.626012021493397 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 | 5635.98396 | 4149.25083 | 9785.234789999999 | 0.575968188904336 | 44333.30811 | 11532.01592 | 55865.324029999996 | 0.7935747063096378 1028484.96949 | 884065.63398 | 1912550.60347 | 0.5377556900319331 | 1123020.8428300002 | 1147493.7164399999 | 2270514.55927 | 0.4946107208363667 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 1770000 | 1770000 | 0 | 1715000 | 1715000 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 779353.12471624 | -323275.78244 | 456077.34227624 | 1.708817896601836 | 612595.5671391201 | -302414.7320000001 | 310180.83513912 | 1.9749626596509848 Immobilisations | 0 | 247678.06686999998 | 247678.06686999998 | 0 | 0 | 246446.29027 | 246446.29027 | 0 Autres actifs | 1391022.73218 | 63134.632820000006 | 1454157.365 | 0.9565833558735922 | 1064915.56341 | 47851.696619999995 | 1112767.26003 | 0.9569975696277135 3198860.8263862403 | 2641602.5512300003 | 5840463.377616241 | 0.5477066834535723 | 2800531.97337912 | 2854376.9713299996 | 5654908.94470912 | 0.4952390923994224 PASSIF Dépôts À vue | 1207950.26768 | 822913.03739 | 2030863.30507 | 0.5947964418207676 | 1190497.11495 | 911803.4073300001 | 2102300.52228 | 0.566283032484278 Épargne | 353740.95472 | 323250.9917 | 676991.9464199999 | 0.5225187043813696 | 267250.13506999996 | 318083.58616 | 585333.72123 | 0.45657737693364014 À terme | 1558778.05529 | 716226.63309 | 2275004.68838 | 0.6851757551321728 | 1287189.5026099999 | 715859.98325 | 2003049.48586 | 0.6426149287356977 3120469.27769 | 1862390.66218 | 4982859.93987 | 0.6262406159004765 | 2744936.75263 | 1945746.97674 | 4690683.72937 | 0.5851890494008363 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 | 53078.09041999999 | 206107.36573000002 | 259185.45615 | 0.2047880741783666 | 53210.05985 | 284079.01577 | 337289.07562 | 0.15775802922816287 53078.09041999999 | 206107.36573000002 | 259185.45615 | 0.2047880741783666 | 53210.05985 | 284079.01577 | 337289.07562 | 0.15775802922816287 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 | 14884.02411 | 898427.1782900001 | 913311.2024000001 | 0.016296771649014868 | 8224.02739 | 945482.6811500001 | 953706.70854 | 0.008623224851369566 14884.02411 | 898427.1782900001 | 913311.2024000001 | 0.016296771649014868 | 8224.02739 | 945482.6811500001 | 953706.70854 | 0.008623224851369566 Autres passifs | 5660.96884 | 24397.314300000002 | 30058.28314 | 0.18833307323752888 | 3177.81856 | 21041.109750000003 | 24218.928310000003 | 0.1312121873983944 3194092.36106 | 2991322.5205 | 6185414.88156 | 0.5163909652337549 | 2809548.65843 | 3196349.78341 | 6005898.44184 | 0.4677982296299454 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 165000 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 238291.42462 | 238291.42462 | 0 | 0 | 238291.42462 | 238291.42462 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 200025 | 200025 | 0 | 0 | 104325 | 104325 | 0 BNR | 0 | -948267.92827 | -948267.92827 | 0 | 0 | -858605.92175 | -858605.92175 | 0 0 | -344951.5036500001 | -344951.5036500001 | 0 | 0 | -350989.49713 | -350989.49713 0 3194092.36106 | 2646371.0168500002 | 5840463.37791 | 0.5468902301726273 | 2809548.65843 | 2845360.28628 | 5654908.9447099995 | 0.49683358050499643 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes [BPHRÉSULT ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 11863.31016 | -0.49205546101982744 | 6025.903609999998 | 0 | 0 | 0 | 0 | 5964.34397 | 0.09162082246574385 | 6510.80207 | -0.07017163094315965 | 6053.92847 | -0.10359164517845718 | 5426.79206 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 52042.894290000004 | -0.03302853143450753 | 50323.993919999986 | 0 | 0 | 0 | 0 | 41971.35272 | 0.13499762630476397 | 47637.38571 | -0.027254796640266966 | 46339.03844999999 | 0.042468938843507886 | 48307.00824 63906.204450000005 | -0.11824058375915669 | 56349.89752999999 | 0 | 0 | 0 | 0 | 0 | 47935.696690000004 | 0.1296005173383868 | 54148.18778 | -0.032415135796073885 | 52392.96691999999 | 0.0255918581982074 | 53733.8003 Dépenses d'intérêt | 10625.64338 | 0.000563363533474644 | 10631.629479999998 | 0 | 0 | 0 | 0 | 10104.340619999999 | -0.003706398211266869 | 10066.88991 | 0.019423557995380814 | 10262.424729999999 | 0.009487937067675818 | 10359.793969999999 53280.56107 | -0.1419334344108102 | 45718.26804999999 | 0 | 0 | 0 | 0 | 37831.35607000001 | 0.16520533359775996 | 44081.29787 | -0.04425358994086281 | 42130.54218999999 | 0.02951455346556534 | 43374.006330000004 AUTRES REVENUS Commissions | 2991.9057199999997 | -0.11444707221589831 | 2649.4908700000005 | 0 | 0 | 0 | 0 | 3273.6308 | -0.1344771469036766 | 2833.4022699999996 | 0.3740628470661882 | 3893.27279 | -0.21434622103631226 | 3058.76448 Gains sur change | -1346.74247 | 0.29361014359337756 | -951.32522 | 0 | 0 | 0 | 0 | -338.19317 | 3.5608424617209153 | 866.05943 | -1.5442629843543185 | -471.36409 | 7.758128817152788 | 3185.53924 Autres | 562.51954 | 3.9366212238600626 | 2776.9458999999997 | 0 | 0 | 0 | 0 | 371.40884 | 11.405815704332722 | 4607.62962 | 0.8003610107880158 | 8295.39672 | 1.0302672058341291 | 16841.87192 2207.68279 | 1.0270627511663488 | 4475.1115500000005 | 0 | 0 | 0 | 0 | 3306.84647 | 1.51208860023066 | 8307.09132 | 0.4105184316187343 | 11717.30542 | 0.9702631972530763 | 23086.17564 PRODUIT NET BANCAIRE | 55488.24386 | -0.09542317239953121 | 50193.37959999999 | 0 | 0 | 0 | 0 | 41138.202540000006 | 0.2734729753703039 | 52388.38919 | 0.027858432804774607 | 53847.84761 | 0.23422169909829027 | 66460.18197 Dotation à la provision pour créances douteuses | 9000 | 0 | 9000 | 0 | 0 | 0 | 0 | 9000 | 0 | 9000 | 0.00027980666666674856 | 9002.51826 | -0.00027972839679646887 | 9000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 46488.24386 | -0.11389684402675153 | 41193.37959999999 | 0 | 0 | 0 | 0 | 32138.202540000006 | 0.35005649852376575 | 43388.38919 | 0.03357903317452007 | 44845.32935 | 0.28129691102380106 | 57460.181970000005 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 26226.037769999995 | 0.11603980809793563 | 29269.302160000007 | 0 | 0 | 0 | 0 | 29390.706040000005 | -0.1684375558471615 | 24440.207349999997 | 0.06171400505732623 | 25948.51043 | 0.15047450567666362 | 29853.09971 Frais de locaux | 4753.4806100000005 | 0.055457687035773806 | 5017.09765 | 0 | 0 | 0 | 0 | 6064.74165 | -0.36526772579010025 | 3849.48726 | 0.027660850084226547 | 3955.96735 | 0.13431918238657853 | 4487.32965 Amortissement | 1708.88481 | 0.01093682844544692 | 1727.5745900000002 | 0 | 0 | 0 | 0 | 3095.60738 | 0.003824874587293446 | 3107.44769 | -0.262352207125971 | 2292.2019299999997 | -0.26873274205820075 | 1676.21222 Autres dépenses d'exploitation | 17417.42213 | 0.13954156544289945 | 19847.87648 | 0 | 0 | 0 | 0 | 14512.79448 | 0.12452105502426986 | 16319.94296 | 0.5526095827727082 | 25338.499829999997 | 0.06853737994164444 | 27075.13422 50105.82531999999 | 0.11487737250587648 | 55861.850880000005 | 0 | 0 | 0 | 0 | 53063.84955 | -0.10076095751330577 | 47717.08526 | 0.20575637062706872 | 57535.17954 | 0.09657736891455955 | 63091.775799999996 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -3617.5814599999867 | -3.054772903441424 | -14668.471280000012 | 0 | 0 | 0 | 0 | -20925.647009999993 | 0.7931392005259674 | -4328.696069999998 | -1.9315641442112157 | -12689.850189999997 | 0.5562127412317394 | -5631.593829999991 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | -3617.5814599999867 | -3.054772903441424 | -14668.471280000012 | 0 | 0 | 0 | 0 | -20925.647009999993 | 0.7931392005259674 | -4328.696069999998 | -1.9315641442112157 | -12689.850189999997 | 0.5562127412317394 | -5631.593829999991 0 | 0 | 0 0 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 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 | 11863.31016 | 0.9890385631129187 | 5964.34397 | 6025.903609999998 | -0.0744759946296451 | 6510.80207 | 0 | 0 | 6053.92847 | 0 | 0 | 5426.79206 | 17889.21377 | 0.43398832467695897 | 12475.14604 | 23955.86657 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 52042.894290000004 | 0.23996228182564044 | 41971.35272 | 50323.993919999986 | 0.0563970539096148 | 47637.38571 | 0 | 0 | 46339.03844999999 | 0 | 0 | 48307.00824 | 102366.88820999999 | 0.14237617897016067 | 89608.73843 | 184254.78512 63906.204450000005 | 0.3331652372402392 | 47935.696690000004 | 56349.89752999999 | 0.04066082061592472 | 54148.18778 | 0 | 0 | 52392.96691999999 | 0 | 0 | 53733.8003 | 120256.10197999999 | 0.17801259821123266 | 102083.88446999999 | 208210.65168999997 Dépenses d'intérêt | 10625.64338 | 0.051591962267004465 | 10104.340619999999 | 10631.629479999998 | 0.05609871321221173 | 10066.88991 | 0 | 0 | 10262.424729999999 | 0 | 0 | 10359.793969999999 | 21257.272859999997 | 0.05384115403295609 | 20171.23053 | 40793.44923 53280.56107 | 0.4083703732801453 | 37831.35607000001 | 45718.26804999999 | 0.037135253703908 | 44081.29787 | 0 | 0 | 42130.54218999999 | 0 | 0 | 43374.006330000004 | 98998.82912 | 0.20859017939420468 | 81912.65393999999 | 167417.20245999997 AUTRES REVENUS Commissions | 2991.9057199999997 | -0.08605890438225354 | 3273.6308 | 2649.4908700000005 | -0.06490832662458447 | 2833.4022699999996 | 0 | 0 | 3893.27279 | 0 | 0 | 3058.76448 | 5641.39659 | -0.07624594048579456 | 6107.0330699999995 | 13059.07034 Gains sur change | -1346.74247 | -2.9821693323966296 | -338.19317 | -951.32522 | -2.098452585407447 | 866.05943 | 0 | 0 | -471.36409 | 0 | 0 | 3185.53924 | -2298.06769 | -5.353503650716376 | 527.86626 | 3242.0414100000003 Autres | 562.51954 | 0.5145561424978469 | 371.40884 | 2776.9458999999997 | -0.39731572868914755 | 4607.62962 | 0 | 0 | 8295.39672 | 0 | 0 | 16841.87192 | 3339.46544 | -0.32929511052621996 | 4979.03846 | 30116.3071 2207.68279 | -0.3323902969102766 | 3306.84647 | 4475.1115500000005 | -0.46129019441187497 | 8307.09132 | 0 | 0 | 11717.30542 | 0 | 0 | 23086.17564 | 6682.79434 | -0.4245884160190598 | 11613.93779 | 46417.41885 PRODUIT NET BANCAIRE | 55488.24386 | 0.3488251900662647 | 41138.202540000006 | 50193.37959999999 | -0.04189877993841804 | 52388.38919 | 0 | 0 | 53847.84761 | 0 | 0 | 66460.18197 | 105681.62346 | 0.12996337731508628 | 93526.59172999999 | 213834.62130999996 Dotation à la provision pour créances douteuses | 9000 | 0 | 9000 | 9000 | 0 | 9000 | 0 | 0 | 9002.51826 | 0 | 0 | 9000 | 18000 | 0 | 18000 | 36002.51826 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 46488.24386 | 0.4465103890654612 | 32138.202540000006 | 41193.37959999999 | -0.050589792130515565 | 43388.38919 | 0 | 0 | 44845.32935 | 0 | 0 | 57460.181970000005 | 87681.62346 | 0.16093711435375027 | 75526.59172999999 | 177832.10304999998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 26226.037769999995 | -0.10767581648746294 | 29390.706040000005 | 29269.302160000007 | 0.1975881276637373 | 24440.207349999997 | 0 | 0 | 25948.51043 | 0 | 0 | 29853.09971 | 55495.33993 | 0.03091952997232991 | 53830.91339 | 109632.52352999999 Frais de locaux | 4753.4806100000005 | -0.21621053553039632 | 6064.74165 | 5017.09765 | 0.30331582133876184 | 3849.48726 | 0 | 0 | 3955.96735 | 0 | 0 | 4487.32965 | 9770.57826 | -0.014489341662779863 | 9914.22891 | 18357.52591 Amortissement | 1708.88481 | -0.44796461559023676 | 3095.60738 | 1727.5745900000002 | -0.4440535248398662 | 3107.44769 | 0 | 0 | 2292.2019299999997 | 0 | 0 | 1676.21222 | 3436.4594 | -0.44600533749573823 | 6203.05507 | 10171.469219999999 Autres dépenses d'exploitation | 17417.42213 | 0.20014254690940805 | 14512.79448 | 19847.87648 | 0.21617315260518524 | 16319.94296 | 0 | 0 | 25338.499829999997 | 0 | 0 | 27075.13422 | 37265.29861 | 0.20862763750762173 | 30832.73744 | 83246.37148999999 50105.82531999999 | -0.05574462190521588 | 53063.84955 | 55861.850880000005 | 0.17068866582317324 | 47717.08526 | 0 | 0 | 57535.17954 | 0 | 0 | 63091.775799999996 | 105967.6762 | 0.051465501880672726 | 100780.93480999999 | 221407.89015 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -3617.5814599999867 | 0.8271221215634953 | -20925.647009999993 | -14668.471280000012 | -2.3886581646745224 | -4328.696069999998 | 0 | 0 | -12689.850189999997 | 0 | 0 | -5631.593829999991 | -18286.05274 | 0.27592443477646794 | -25254.343080000006 | -43575.787100000016 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | -3617.5814599999867 | 0.8271221215634953 | -20925.647009999993 | -14668.471280000012 | -2.3886581646745224 | -4328.696069999998 | 0 | 0 | -12689.850189999997 | 0 | 0 | -5631.593829999991 | -18286.05274 | 0.27592443477646794 | -25254.343080000006 | -43575.787100000016 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 17889.21377 | 0.43398832467695897 | 12475.14604 | 23955.86657 | -0.29265543339444366 | 33867.32252 | -0.16354936434819972 | 40489.32606 | -0.3208256894583397 | 59615.514650000005 Intérêts sur bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 7965.36002 | -0.9125814590264003 | 91117.51272999999 | 0.23881091407730703 | 73552.39746 Autres | 102366.88820999999 | 0.14237617897016067 | 89608.73843 | 184254.78512 | 0.17425917224030474 | 156911.51449 | 0.6315415278300113 | 96173.7791 | 1.0065942546281599 | 47928.861990000005 120256.10197999999 | 0.17801259821123266 | 102083.88446999999 | 208210.65168999997 | 0.047631351261898824 | 198744.19703 | -0.1274753801661135 | 227780.61789 | 0.25778396121082525 | 181096.7741 Dépenses d'intérêt | 21257.272859999997 | 0.05384115403295609 | 20171.23053 | 40793.44923 | -0.27726555495529603 | 56443.20608999999 | -0.3355176631856061 | 84943.12484 | 0.29027435461650464 | 65833.382285 98998.82912 | 0.20859017939420468 | 81912.65393999999 | 167417.20245999997 | 0.1765006087033504 | 142300.99094000002 | -0.0037560314070492025 | 142837.49305 | 0.23922687681494703 | 115263.39181500001 AUTRES REVENUS Commissions | 5641.39659 | -0.07624594048579456 | 6107.0330699999995 | 13059.07034 | -0.043875617499436796 | 13658.338370000001 | -0.11486573995249984 | 15430.80975 | -0.3453371844369123 | 23570.62198 Gains sur change | -2298.06769 | -5.353503650716376 | 527.86626 | 3242.0414100000003 | -0.5649982420893781 | 7452.93864 | -0.4231387245883686 | 12919.810980000002 | -0.6213127876687322 | 34117.368 Autres | 3339.46544 | -0.32929511052621996 | 4979.03846 | 30116.3071 | 3.6947170479037292 | 6414.935509999999 | 0.4754577299996069 | 4347.7596 | -0.4146995139163396 | 7428.25216 6682.79434 | -0.4245884160190598 | 11613.93779 | 46417.41885 | 0.6862987894274966 | 27526.21252 | -0.1581781041691126 | 32698.380330000004 | -0.4978460172855423 | 65116.24214 PRODUIT NET BANCAIRE | 105681.62346 | 0.12996337731508628 | 93526.59172999999 | 213834.62130999996 | 0.25913055713930516 | 169827.20346000002 | -0.03252138614220387 | 175535.87338 | -0.026853145606274005 | 180379.63395500003 Dotation à la provision pour créances douteuses | 18000 | 0 | 18000 | 36002.51826 | -0.24994753625000007 | 48000 | 1 | 24000 | 0.36164484973097366 | 17625.7414 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 87681.62346 | 0.16093711435375027 | 75526.59172999999 | 177832.10304999998 | 0.4597076679051264 | 121827.20346000002 | -0.19605040877351088 | 151535.87338 | -0.06892627266170655 | 162753.89255500003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 55495.33993 | 0.03091952997232991 | 53830.91339 | 109632.52352999999 | -0.017226494045653087 | 111554.21149 | -0.10569050163401131 | 124737.81357999999 | 0.5252536156845911 | 81781.68685999999 Frais de locaux | 9770.57826 | -0.014489341662779863 | 9914.22891 | 18357.52591 | -0.2835279048349647 | 25622.10871 | 0.08151297241785313 | 23690.986019999997 | 0.3214626470599535 | 17927.85144 Amortissement | 3436.4594 | -0.44600533749573823 | 6203.05507 | 10171.469219999999 | -0.354369280413127 | 15754.31421 | 0.10400466481371046 | 14270.15185 | 0.4768067953120662 | 9662.84276 Autres dépenses d'exploitation | 37265.29861 | 0.20862763750762173 | 30832.73744 | 83246.37148999999 | 0.7440687285414989 | 47731.13016 | -0.07761709201868132 | 51747.63078000001 | -0.043470938612768115 | 54099.38168 105967.6762 | 0.051465501880672726 | 100780.93480999999 | 221407.89015 | 0.10338853355773597 | 200661.76457000003 | -0.06428089231664853 | 214446.58222999997 | 0.3118264502418982 | 163471.76273999998 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -18286.05274 | 0.27592443477646794 | -25254.343080000006 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001 | -0.2531183092844781 | -62910.708849999966 | -86.63521617770552 | -717.8701849999488 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | -18286.05274 | 0.27592443477646794 | -25254.343080000006 | -43575.787100000016 | 0.44725020997836806 | -78834.56111000001 | -0.2531183092844781 | -62910.708849999966 | -86.63521617770552 | -717.8701849999488 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 49641932.00914547 | 0.040214229706899 | 51638244.06605551 | 0 | 0 | 0 | 0 | 0.13711509730087842 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 | 0.3349903103594114 | 28863231.162558727 | 0.0021460629423471185 | 28801421.49919239 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 Prêts nets | 16837600.82391708 | 0.01526297936178913 | 17094592.77779457 | 0 | 0 | 0 | 0 | 0.11591765255219608 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105 | -0.1845108316332431 | 15103214.604820965 Dépôts | 42316571.22319219 | 0.016233455582505687 | 43003515.40254782 | 0 | 0 | 0 | 0 | 0.13831505456392454 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416 | -0.012345655092637974 | 22161837.82004568 Avoir des Actionnaires | 3176804.136435653 | 0.0024297750231744705 | 3184523.055779882 | 0 | 0 | 0 | 0 | -0.06401917804211016 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 | 0.10535128666968242 | 2927933.88397 | 0.02981459789132624 | 2843166.031988 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 295510.16210729996 | -0.1022696240458687 | 329174.73889999994 | 351884.8770971891 | -0.0224819108595114 | 359977.86742401274 | 0 | 0 | 387463.71006610733 | 0 | 0 | 334753.9665432271 | 647395.039204489 | -0.06059262743307521 | 689152.6063240126 Autres revenus | 265871.61067033804 | 0.021496499686206413 | 260276.57534999988 | 528747.9188167099 | 1.0969592883932175 | 252149.8255799996 | 0 | 0 | 265082.4081100005 | 0 | 0 | 319192.91649417195 | 794619.5294870478 | 0.5506998235159192 | 512426.4009299995 Dot. à la prov. pr créances douteuses | 107296.99703999999 | -0.16522441469700677 | 128533.94244999999 | 48889.89295412495 | 2.434631536357051 | -34078.36208471388 | 0 | 0 | 40538.5973668234 | 0 | 0 | 34848.48686219829 | 156186.88999412494 | 0.6535485716154262 | 94455.5803652861 Dépenses d'exploitation | 529119.0823156 | 0.2361909716041191 | 428023.73943 | 615096.2732385064 | 0.18681303744341582 | 518275.6287911377 | 0 | 0 | 525204.4835496522 | 0 | 0 | 518442.4292563684 | 1144215.3555541064 | 0.20914733115061981 | 946299.3682211378 Bénéfice (perte) net | -52524.01460457347 | -3.2811195107292237 | 23025.54265900023 | 151652.64080488743 | 0.6934722723217522 | 89551.298408312 | 0 | 0 | 60762.12608174261 | 0 | 0 | 70459.17684318259 | 99128.62620031388 | -0.11945809404047143 | 112576.84106731205 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.06399436943450135 | 0.08670587637370364 | 0.06166985561527321 | 0.07971639922394488 | 0 | 0.0761539449753558 | 0 | 0.07492218026626138 | 0.06166985561527321 | 0.07971639922394488 | 0.07492218026626138 | 0.08399211660595632 | 0.10144165313577588 | 0.09871617038303905 Dépôts en % de l'actif | 0.852436025563958 | 0.8132041152085546 | 0.8327842315385054 | 0.8162338246630101 | 0 | 0.835491944205346 | 0 | 0.8319063502496844 | 0.8327842315385054 | 0.8162338246630101 | 0.8319063502496844 | 0.8181649316827374 | 0.7583432115006496 | 0.7694702784259142 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.23586523452058458 | 0.06724836294736215 | 0.228963731225407 | 0.1685051785572723 | 0 | 0.1795261904107955 | 0 | 0.11408158078922474 | 0.228963731225407 | 0.1685051785572723 | 0.11408158078922474 | 0.0562751812861468 | 0.011131736542746701 | 0.019326044763293113 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.2749530279249567 | 1.2026752139673502 | 0.3108363460407084 | 0.4864143772884634 | 0 | 0.4649659923328839 | 0 | 0.3971745454698088 | 0.3108363460407084 | 0.4864143772884634 | 0.3971745454698088 | 0.8647964786194402 | 3.0256460890261523 | 0.7068216033211133 Prêts improductifs nets en % de l'avoir des actionnaires | 0.9692580827003553 | -0.057524902065865635 | 0.9119421798402496 | 0.41231153138547294 | 0 | 0.4821331693964625 | 0 | 0.32433516656661493 | 0.9119421798402496 | 0.41231153138547294 | 0.32433516656661493 | 0.03182783967513231 | -0.09815945941558532 | 0.030515149453333168 Rentabilité ROA (rendement de l'actif) | -0.004420582788063823 | 0.0023511841730103717 | 0.011978860754924808 | 0.008865296778616381 | 0 | 0.005732304005390755 | 0 | 0.0063182329260558145 | 0.004085677907108328 | 0.008005064800092478 | 0.005808606807929885 | 0.010956370573103082 | 0.017798307209976546 | 0.01706156832542766 ROE (rendement avoir des action.) | -0.06386731162757432 | 0.027540723564809667 | 0.19071824004332602 | 0.10660539660950387 | 0 | 0.07360785050517939 | 0 | 0.08365534134771802 | 0.060197794584318676 | 0.0978758012702258 | 0.07344718595589103 | 0.11978733622570949 | 0.17784013761266987 | 0.15873973726900506 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7181999081704018 | 0.7265999638428119 | 0.7260956274955812 | 0.7496709980572324 | 0 | 0.7758772238421225 | 0 | 0.7079805821056311 | 0.7224701159109226 | 0.7397658551457373 | 0.7407085462128182 | 0.7567250680954185 | 0.7438871561707947 | 0.7581870521830335 Rendement moyen des prêts | 0.0832994985485418 | 0.12014482903510515 | 0.0901905240775977 | 0.1126388716953756 | 0 | 0.11222829934872594 | 0 | 0.09309445012105606 | 0.0888272247584062 | 0.11632177709121679 | 0.11366742252460704 | 0.12312780632975993 | 0.1408633310661932 | 0.13427588350274616 Rendement moyen des prêts productifs | 0.1013964575528055 | 0.12808113194977452 | 0.11749320065310036 | 0.12793446317812998 | 0 | 0.1359051026021244 | 0 | 0.10920170418203277 | 0.1077287997682746 | 0.13163156590764438 | 0.12458455227695817 | 0.12751218829470384 | 0.14309615667796707 | 0.13602181467745952 Rémunération moyenne des dépôts | 0.011581209662404434 | 0.015506216519273159 | 0.012446419817858323 | 0.014605552412783468 | 0 | 0.012780412825913055 | 0 | 0.01485188832492587 | 0.012314195717769118 | 0.014947392918664832 | 0.014257861429705245 | 0.01675649045222914 | 0.023804172036362935 | 0.02370310842082762 Dépenses d'exploitation en % du produit net bancaire | 0.9425298575292057 | 0.7261392571065934 | 0.6984707770282104 | 0.8466789441394225 | 0 | 0.8048541994512503 | 0 | 0.7927898162742965 | 0.7934839081357902 | 0.7764335537870933 | 0.7934167257992941 | 0.7158666312225299 | 0.6222613343159268 | 0.5985569077786781 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4649.124412237167 | 5027.303319829422 | 7346.258985725956 | 5176.555543374311 | 0 | 5460.636972185002 | 0 | 5404.519694523959 | 5964.899973905012 | 5107.377263178256 | 5258.012596367964 | 4810.9360983483275 | 5877.378218485537 | 5952.315043404255 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 1037555.0716755 | 1.081109524229648 | 2159265.741576658 | 0 | 0 | 0 | 0 | 0.2689546885992736 | 1701609.806068133 | 0.5476469605845711 | 1099481.89051165 | -0.2861222195229068 | 1540154.2400953462 | -0.031599951812533736 | 1590411.1559866401 Avoirs à la BRH | 19304924.7764691 | 0.02205828893206212 | 19730758.38500018 | 0 | 0 | 0 | 0 | 0.15133511788620993 | 17137285.29468015 | -0.15398196586635493 | 20256406.605125606 | 0.9717782488178013 | 10273166.67950391 | 0.13264892289685518 | 9070036.153152673 Avoirs à l'étranger | 1802568.8809376 | -0.1181588725532299 | 1589579.374266476 | 0 | 0 | 0 | 0 | -0.03673108088515142 | 1650192.737171616 | 0.8350697095545467 | 899253.4335778401 | 0.9024526015579162 | 472681.1237459701 | -0.5208401561612379 | 986479.0003250521 Avoirs dans les banques locales | 524016.73531879997 | -0.34002589058487565 | 345837.47821064596 | 0 | 0 | 0 | 0 | -0.25648573122783536 | 465138.992936558 | 4.6937956031491765 | 81692.253350172 | 0.03381154632111516 | 79020.44975303201 | 1.8189835634219538 | 28031.539728848 Autres liquidités | 194151.8868888 | -0.9671423078238031 | 6379.38293482 | 0 | 0 | 0 | 0 | -0.9386214650110954 | 103935.079844659 | 13.880181449248346 | 6984.7992243339995 | -0.9892304438857948 | 648568.905743564 | 145.57908516374027 | 4424.70291733 22863217.351289798 | 0.04236512280037171 | 23831820.36198878 | 0 | 0 | 0 | 0 | 0.13171417633930224 | 21058161.910701115 | -0.05753971924568089 | 22343818.981789604 | 0.7169602377233196 | 13013591.398841823 | 0.11423624842994619 | 11679382.552110543 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 7538936.0278832 | 0.06710489051033931 | 8044835.504598754 | 0 | 0 | 0 | 0 | 0.16580870075885312 | 6900648.021722754 | 3.826728540216274 | 1429673.942552724 | -0.31945176651819684 | 2100767.987065756 | 5.048690190781261 | 347309.5696432779 Portefeuille net | 16837600.82391708 | 0.01526297936178913 | 17094592.77779457 | 0 | 0 | 0 | 0 | 0.11591765255219608 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105 | -0.1845108316332431 | 15103214.604820965 Immobilisations | 1157611.46514 | -0.03545070156029159 | 1116573.32656655 | 0 | 0 | 0 | 0 | -0.03254670604620074 | 1154136.67362 | 0.11043586633713243 | 1039354.6431699999 | 0.017672521729910826 | 1021305.5977999999 | -0.054562497938878164 | 1080246.5478400001 Autres actifs | 1244566.3409154 | 0.24575287321886977 | 1550422.095106855 | 0 | 0 | 0 | 0 | 0.5823664267515606 | 979812.3044671239 | 0.1666408212105296 | 839857.723691214 | 1.0431598222636596 | 411058.26110104204 | 0.4112705270713968 | 291268.22477760597 49641932.00914547 | 0.040214229706899 | 51638244.06605551 | 0 | 0 | 0 | 0 | 0.13711509730087842 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 | 0.3349903103594114 | 28863231.162558727 | 0.0021460629423471185 | 28801421.49919239 PASSIF Dépôts À vue | 17903759.535878193 | 0.05092311049245267 | 18815474.66095402 | 0 | 0 | 0 | 0 | 0.13744845398787506 | 16541826.220772717 | 0.27044844707170224 | 13020462.387828887 | 0.3997158661078782 | 9302218.188062876 | 0.058522628643998695 | 8787925.67711029 Épargne | 9478593.9944166 | -0.02236611558005477 | 9266594.665601065 | 0 | 0 | 0 | 0 | 0.1431193778984062 | 8106410.270673083 | 0.20925402459958112 | 6703645.475447021 | 0.5715754988189116 | 4265557.385238585 | 0.012685015972899253 | 4212126.49339006 À terme | 14934217.6928974 | -0.0008551915585601024 | 14921446.075992735 | 0 | 0 | 0 | 0 | 0.136440668219011 | 13129982.491190754 | 0.11256585460377676 | 11801532.859254247 | 0.4183750760247676 | 8320459.840798957 | -0.09182989440362267 | 9161785.64954533 42316571.22319219 | 0.016233455582505687 | 43003515.40254782 | 0 | 0 | 0 | 0 | 0.13831505456392454 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416 | -0.012345655092637974 | 22161837.82004568 Obligations à vue Banques locales | 70000 | 0 | 300000 | 0 | 0 | 0 | 0 | 0 | 700000 | 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 | 1892904.8954188996 | 0.4532419945739117 | 2750848.8857572833 | 0 | 0 | 0 | 0 | 1.1187080471430213 | 1298361.4658313468 | 0.00041964770356142135 | 1297816.839974808 | 0.13693577756413608 | 1141504.089839935 | 0.05578435173708526 | 1081190.57453524 1962904.8954188996 | 0.5542520133693017 | 3050848.8857572833 | 0 | 0 | 0 | 0 | 0.5266751976165066 | 1998361.4658313468 | 0.539786974770752 | 1297816.839974808 | -0.15808407611194256 | 1541504.089839935 | 0.42574688139744954 | 1081190.57453524 Obligations à terme Banques locales | 1372454.3865399999 | -0.03098388462089736 | 1329930.41818 | 0 | 0 | 0 | 0 | -0.06010546833220825 | 1414978.35488 | -0.23264281057490757 | 1843963.11702 | -0.0949395973346621 | 2037392.32386 | -0.09325938767307816 | 2246940.63127 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 540573.3836021086 | 0.3357191152132507 | 722054.2016528416 | 0 | 0 | 0 | 0 | 0.25080514587186686 | 577271.5310901105 | 0.41270921596130095 | 408627.28477162 | 0.7748804538862697 | 230228.060643122 | 0.055682012204758 | 218084.66752436 1913027.7701421084 | 0.07263713149360654 | 2051984.6198328417 | 0 | 0 | 0 | 0 | 0.02998355491617648 | 1992249.8859701105 | -0.11557383695431052 | 2252590.40179162 | -0.006628085906360925 | 2267620.384503122 | -0.0800823076289677 | 2465025.29879436 Autres passifs | 272623.9868499 | 0.2741802585114582 | 347372.10204082995 | 0 | 0 | 0 | 0 | 0.4446362239889644 | 240456.452823575 | 0.0945237822282083 | 219690.4779300993 | -0.07668787240718367 | 237937.39014655672 | -0.04901797254718011 | 250201.773827278 46465127.875603095 | 0.0427975392621228 | 48453721.010178775 | 0 | 0 | 0 | 0 | 0.1534049900811772 | 42009286.78726158 | 0.1902084682552788 | 35295738.442226686 | 0.36091512902625705 | 25935297.27859003 | -0.0008844272544251432 | 25958255.467202555 AVOIR DES ACTIONNAIRES Capital versé | 728180.76157 | 0 | 728180.76157 | 0 | 0 | 0 | 0 | 0 | 728180.76157 | -0.009866245990355437 | 735436.76157 | 0.011517575156672042 | 727062.76157 | -0.0019766568858251804 | 728502.76157 Réserves | 388674.702 | -0.007278449010041215 | 385845.753 | 0 | 0 | 0 | 0 | 0.0021161200519978986 | 385030.98121999996 | 0.3069400465649817 | 294604.93022 | 0.3220504094004487 | 222839.40772999998 | -0.3811730144418679 | 360099.69334 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1198668.70404 | 0 | 1198668.70404 | 0 | 0 | 0 | 0 | 0 | 1198668.70404 | -0.058839844691228174 | 1273607.57601 | 0.09562173076627604 | 1162451.9122300001 | -0.006528828273013114 | 1170091.23698 BNR | 861279.9688256534 | 0.01224673593490236 | 871827.8371698821 | 0 | 0 | 0 | 0 | -0.20049351061090304 | 1090457.486888 | 0.16908272120811682 | 932746.2181299999 | 0.14366027130572492 | 815579.80244 | 0.39541214611327813 | 584472.340098 3176804.136435653 | 0.0024297750231744705 | 3184523.055779882 | 0 | 0 | 0 | 0 | -0.06401917804211016 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 | 0.10535128666968242 | 2927933.88397 | 0.02981459789132624 | 2843166.031988 49641932.012038745 | 0.04021422964432131 | 51638244.06595866 | 0 | 0 | 0 | 0 | 0.13711509736189756 | 45411624.720979586 | 0.17853905536739112 | 38532133.92815669 | 0.33499031037587657 | 28863231.16256003 | 0.002146062942456292 | 28801421.499190554 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3417508.7292105 | -0.057967457404010304 | 3219404.437522157 | 0 | 0 | 2620854.426157199 | 3234982.958983928 | 1429968.6171458 | 1541318.249651364 Portefeuille brut | 18005276.5023574 | 0.02216933288572944 | 18404441.470837764 | 0 | 0 | 0 | 0 | 0.14698639710174727 | 16045910.847193018 | 0.1852242592771332 | 13538290.93658562 | 0.062177037052262754 | 12745795.158740086 | -0.16761516767883 | 15312382.763147477 Provisions pour créances douteuses | 1167675.67844032 | 0.12175728006322449 | 1309848.6930431938 | 0 | 0 | 0 | 0 | 0.8016059960854285 | 727045.034202408 | 0.10348556000491962 | 658862.300109452 | 0.5347819296703217 | 429287.24098998134 | 1.0523546433863178 | 209168.15832651197 Portefeuille de crédit improductif | 4246818.7648364995 | -0.007739716803086339 | 4213949.590282632 | 0 | 0 | 0 | 0 | 1.302021792899343 | 1830542.874650748 | 1.4026978500619842 | 761869.776760954 | 4.369710744461202 | 141882.83373491102 | -0.5205491465497999 | 295927.794713266 [buhcomp] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 1037555.0716755 | 0.020900779435505303 | 2159265.741576658 | 0.04181524334589168 | 0 | 0 | 0 | 0 | 1701609.806068133 | 0.03747079776221944 | 1099481.89051165 | 0.028534155221593704 | 1540154.2400953462 | 0.05336042355830308 | 1590411.1559866401 | 0.05521988406132094 Avoirs à la BRH | 19304924.7764691 | 0.38888342969634176 | 19730758.38500018 | 0.38209584275872444 | 0 | 0 | 0 | 0 | 17137285.29468015 | 0.3773766166488025 | 20256406.605125606 | 0.5257016557438657 | 10273166.67950391 | 0.35592573200294436 | 9070036.153152673 | 0.31491626735878303 Avoirs à l'étranger | 1802568.8809376 | 0.03631141673949183 | 1589579.374266476 | 0.03078298658322096 | 0 | 0 | 0 | 0 | 1650192.737171616 | 0.03633855311760298 | 899253.4335778401 | 0.02333775324423073 | 472681.1237459701 | 0.01637658379561919 | 986479.0003250521 | 0.03425105251672087 Avoirs dans les banques locales | 524016.73531879997 | 0.010555929515842798 | 345837.47821064596 | 0.006697312901814623 | 0 | 0 | 0 | 0 | 465138.992936558 | 0.010242729604339335 | 81692.253350172 | 0.002120107168305258 | 79020.44975303201 | 0.0027377548032646126 | 28031.539728848 | 0.0009732693134480888 Autres liquidités | 194151.8868888 | 0.003911046146492277 | 6379.38293482 | 0.00012353988889822647 | 0 | 0 | 0 | 0 | 103935.079844659 | 0.002288732906551791 | 6984.7992243339995 | 0.00018127205821104138 | 648568.905743564 | 0.022470419271175886 | 4424.70291733 | 0.0001536279352550037 22863217.351289798 | 0.46056260153367395 | 23831820.36198878 | 0.4615149254785499 | 0 | 0 | 0 | 0 | 21058161.910701115 | 0.46371743003951604 | 22343818.981789604 | 0.5798749434362065 | 13013591.398841823 | 0.45087091343130714 | 11679382.552110543 | 0.40551410118552794 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.01041615255026257 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 7538936.0278832 | 0.15186628970230875 | 8044835.504598754 | 0.15579219723869428 | 0 | 0 | 0 | 0 | 6900648.021722754 | 0.15195774350155553 | 1429673.942552724 | 0.0371034198426709 | 2100767.987065756 | 0.07278353470663619 | 347309.5696432779 | 0.012058764865234748 Portefeuille net | 16837600.82391708 | 0.33918101376100973 | 17094592.77779457 | 0.33104519890194584 | 0 | 0 | 0 | 0 | 15318865.81299061 | 0.33733357716802254 | 12879428.636476168 | 0.33425163165500626 | 12316507.917750105 | 0.4267196506303505 | 15103214.604820965 | 0.5243912910772293 Immobilisations | 1157611.46514 | 0.02331922667568085 | 1116573.32656655 | 0.02162299177211046 | 0 | 0 | 0 | 0 | 1154136.67362 | 0.02541500509279745 | 1039354.6431699999 | 0.026973710958254907 | 1021305.5977999999 | 0.035384312728120114 | 1080246.5478400001 | 0.03750670944731985 Autres actifs | 1244566.3409154 | 0.02507086832732689 | 1550422.095106855 | 0.030024686608699537 | 0 | 0 | 0 | 0 | 979812.3044671239 | 0.02157624419810832 | 839857.723691214 | 0.02179629410786146 | 411058.26110104204 | 0.014241588503586018 | 291268.22477760597 | 0.010112980874425706 49641932.00914547 | 1 | 51638244.06605551 | 1 | 0 | 0 | 0 | 0 | 45411624.72350161 | 1 | 38532133.92767971 | 1 | 28863231.162558727 | 1 | 28801421.49919239 | 1 PASSIF Dépôts À vue | 17903759.535878193 | 0.3606579923718482 | 18815474.66095402 | 0.36437092316472486 | 0 | 0 | 0 | 0 | 16541826.220772717 | 0.3642641354827352 | 13020462.387828887 | 0.33791179103308333 | 9302218.188062876 | 0.32228609942083264 | 8787925.67711029 | 0.3051212481771675 Épargne | 9478593.9944166 | 0.1909392646658146 | 9266594.665601065 | 0.17945216444128623 | 0 | 0 | 0 | 0 | 8106410.270673083 | 0.17850958471604345 | 6703645.475447021 | 0.1739754535274111 | 4265557.385238585 | 0.14778516518870727 | 4212126.49339006 | 0.14624717372051135 À terme | 14934217.6928974 | 0.30083876852629526 | 14921446.075992735 | 0.2889611439324943 | 0 | 0 | 0 | 0 | 13129982.491190754 | 0.2891326300509057 | 11801532.859254247 | 0.3062776871222429 | 8320459.840798957 | 0.2882719468911099 | 9161785.64954533 | 0.31810185652823536 42316571.22319219 | 0.852436025563958 | 43003515.40254782 | 0.8327842315385054 | 0 | 0 | 0 | 0 | 37778218.982636556 | 0.8319063502496844 | 31525640.722530156 | 0.8181649316827374 | 21888235.414100416 | 0.7583432115006496 | 22161837.82004568 | 0.7694702784259142 Obligations à vue Banques locales | 70000 | 0.0014100982207361308 | 300000 | 0.005809647586316855 | 0 | 0 | 0 | 0 | 700000 | 0.015414555287596507 | 0 | 0 | 400000 | 0.013858462268038739 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1892904.8954188996 | 0.03813116892932717 | 2750848.8857572833 | 0.053271541964874033 | 0 | 0 | 0 | 0 | 1298361.4658313468 | 0.028590949426203056 | 1297816.839974808 | 0.03368141620214073 | 1141504.089839935 | 0.039548728394646605 | 1081190.57453524 | 0.03753948653421697 1962904.8954188996 | 0.0395412671500633 | 3050848.8857572833 | 0.059081189551190884 | 0 | 0 | 0 | 0 | 1998361.4658313468 | 0.04400550471379956 | 1297816.839974808 | 0.03368141620214073 | 1541504.089839935 | 0.053407190662685344 | 1081190.57453524 | 0.03753948653421697 Obligations à terme Banques locales | 1372454.3865399999 | 0.027647078407165022 | 1329930.41818 | 0.025754756813162673 | 0 | 0 | 0 | 0 | 1414978.35488 | 0.03115894583150016 | 1843963.11702 | 0.04785520367184704 | 2037392.32386 | 0.07058781161351392 | 2246940.63127 | 0.07801492128897199 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 540573.3836021086 | 0.010889450948494903 | 722054.2016528416 | 0.013982934832741248 | 0 | 0 | 0 | 0 | 577271.5310901105 | 0.012711977045634279 | 408627.28477162 | 0.010604844401780743 | 230228.060643122 | 0.007976517228666102 | 218084.66752436 | 0.0075720105526900896 1913027.7701421084 | 0.038536529355659925 | 2051984.6198328417 | 0.03973769164590392 | 0 | 0 | 0 | 0 | 1992249.8859701105 | 0.04387092287713444 | 2252590.40179162 | 0.058460048073627785 | 2267620.384503122 | 0.07856432884218002 | 2465025.29879436 | 0.08558693184166208 Autres passifs | 272623.9868499 | 0.005491808554100489 | 347372.10204082995 | 0.006727031647251066 | 0 | 0 | 0 | 0 | 240456.452823575 | 0.005295041837583341 | 219690.4779300993 | 0.005701487447916394 | 237937.39014655672 | 0.008243615858754171 | 250201.773827278 | 0.008687132815104068 46465127.875603095 | 0.9360056306237816 | 48453721.010178775 | 0.9383301443828512 | 0 | 0 | 0 | 0 | 42009286.78726158 | 0.9250778196782016 | 35295738.442226686 | 0.9160078834064224 | 25935297.27859003 | 0.8985583468642693 | 25958255.467202555 | 0.9012838296168972 AVOIR DES ACTIONNAIRES Capital versé | 728180.76157 | 0.014668662803773394 | 728180.76157 | 0.014101578679525065 | 0 | 0 | 0 | 0 | 728180.76157 | 0.016035118012264135 | 735436.76157 | 0.019086323195863703 | 727062.76157 | 0.025189929619284724 | 728502.76157 | 0.025293986326002264 Réserves | 388674.702 | 0.007829564367647797 | 385845.753 | 0.007472092825356864 | 0 | 0 | 0 | 0 | 385030.98121999996 | 0.008478687639218888 | 294604.93022 | 0.007645694649897637 | 222839.40772999998 | 0.007720528809645762 | 360099.69334 | 0.012502844463774034 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 | 1198668.70404 | 0.024146294383126966 | 1198668.70404 | 0.023212809144065125 | 0 | 0 | 0 | 0 | 1198668.70404 | 0.026395635728480336 | 1273607.57601 | 0.03305312854980759 | 1162451.9122300001 | 0.04027448991012234 | 1170091.23698 | 0.0406261627403637 BNR | 861279.9688256534 | 0.017349847879953202 | 871827.8371698821 | 0.016883374966326165 | 0 | 0 | 0 | 0 | 1090457.486888 | 0.02401273888629803 | 932746.2181299999 | 0.02420697021038739 | 815579.80244 | 0.02825670479672307 | 584472.340098 | 0.02029317685289905 3176804.136435653 | 0.06399436943450135 | 3184523.055779882 | 0.06166985561527321 | 0 | 0 | 0 | 0 | 3402337.9337179996 | 0.07492218026626138 | 3236395.48593 | 0.08399211660595632 | 2927933.88397 | 0.10144165313577588 | 2843166.031988 | 0.09871617038303905 49641932.012038745 | 1.000000000058283 | 51638244.06595866 | 0.9999999999981245 | 0 | 0 | 0 | 0 | 45411624.720979586 | 0.9999999999444631 | 38532133.92815669 | 1.0000000000123788 | 28863231.16256003 | 1.000000000000045 | 28801421.499190554 | 0.9999999999999363 [buhgdes&$] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 404886.900656658 | 1754378.84092 | 2159265.741576658 | 0.18751138077197327 | 674864.533838133 | 1026745.27223 | 1701609.806068133 | 0.3966035758794347 Avoirs à la BRH | 15447457.72139018 | 4283300.66361 | 19730758.38500018 | 0.782912517601641 | 12990275.940660149 | 4147009.35402 | 17137285.29468015 | 0.7580124691448454 Avoirs à l'étranger | 1589579.374266476 | 0 | 1589579.374266476 | 1 | 1650192.737171616 | 0 | 1650192.737171616 | 1 Avoirs dans les banques locales | 323768.281120646 | 22069.19709 | 345837.47821064596 | 0.9361862190177148 | 219643.695846558 | 245495.29709 | 465138.992936558 | 0.47221088573951486 Autres liquidités | 508.08436482 | 5871.29857 | 6379.38293482 | 0 | 18893.248684659 | 85041.83116 | 103935.079844659 | 0 17766200.361798782 | 6065620.00019 | 23831820.361988783 | 0.7454823044124431 | 15553870.156201115 | 5504291.7545 | 21058161.910701115 | 0.738614805136298 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 | 7061585.42915434 | 983250.075444414 | 8044835.504598754 | 0.8777787221525725 | 5533478.504832754 | 1367169.51689 | 6900648.021722754 | 0.8018780971604048 Portefeuille net | 9015851.732732454 | 8078741.045062115 | 17094592.77779457 | 0.5274095645287211 | 6506071.565680605 | 8812794.247310005 | 15318865.81299061 | 0.4247097432084931 Immobilisations | 0 | 1116573.32656655 | 1116573.32656655 | 0 | 0 | 1154136.67362 | 1154136.67362 | 0 Autres actifs | 247047.37057359243 | 1303374.7245332624 | 1550422.0951068548 | 0.15934200844613605 | -18444.945616722103 | 998257.2500838459 | 979812.3044671238 | -0.018824978552145745 34090684.89425917 | 17547559.171796344 | 51638244.066055514 | 0.6601828840394041 | 27574975.28109775 | 17836649.44240385 | 45411624.7235016 | 0.6072228300351263 PASSIF Dépôts À vue | 13008037.86498402 | 5807436.795970002 | 18815474.66095402 | 0.6913478452913215 | 10884759.255002715 | 5657066.9657700015 | 16541826.220772717 | 0.6580143636942557 Épargne | 6324530.023511065 | 2942064.64209 | 9266594.665601065 | 0.6825085429697958 | 5247389.000393082 | 2859021.2702800003 | 8106410.270673083 | 0.647313524134942 À terme | 12791777.926822735 | 2129668.14917 | 14921446.075992735 | 0.8572746811318479 | 10363048.299660753 | 2766934.1915300004 | 13129982.491190754 | 0.7892659648718947 32124345.815317824 | 10879169.587230003 | 43003515.40254783 | 0.7470167383900562 | 26495196.55505655 | 11283022.427580003 | 37778218.982636556 | 0.7013352473612943 Obligations à vue Banques locales | 300000 | 300000 | 0 | 0 | 700000 | 700000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1254749.324037283 | 1496099.56172 | 2750848.8857572833 | 0.45613168012748256 | 559823.446471347 | 738538.01936 | 1298361.465831347 | 0.4311768804020145 1254749.324037283 | 1796099.56172 | 3050848.8857572833 | 0.41127875257768737 | 559823.446471347 | 1438538.01936 | 1998361.465831347 | 0.280141233727429 Obligations à terme Banques locales | 0 | 1329930.41818 | 1329930.41818 | 0 | 0 | 1414978.35488 | 1414978.35488 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 631886.156556985 | 90168.0450958568 | 722054.2016528418 | 0.8751228856650171 | 508147.8566501106 | 69123.67443999999 | 577271.5310901107 | 0.880257953636709 631886.156556985 | 1420098.4632758568 | 2051984.6198328417 | 0.3079390315354603 | 508147.8566501106 | 1484102.02932 | 1992249.8859701105 | 0.25506230931601837 Autres passifs | 263185.005263415 | 84187.096777415 | 347372.10204083 | 0.7576457744222658 | 165207.406082769 | 75249.046740806 | 240456.452823575 | 0.6870574864712952 34274166.30117551 | 13879554.709003275 | 48453721.01017878 | 0.707358807262201 | 16605368.690802557 | 9352886.7764 | 42009286.78726158 | 0.395278519601951 AVOIR DES ACTIONNAIRES Capital versé | 0 | 728180.76157 | 728180.76157 | 0 | 0 | 728180.76157 | 728180.76157 | 0 Réserves | 0 | 385845.753 | 385845.753 | 0 | 0 | 385030.98121999996 | 385030.98121999996 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1198668.70404 | 1198668.70404 | 0 | 0 | 1198668.70404 | 1198668.70404 | 0 BNR | 0 | 871827.8371698821 | 871827.8371698821 | 0 | 0 | 1090457.486888 | 1090457.486888 | 0 0 | 3184523.055779882 | 3184523.055779882 | 0 | 3402337.9337179996 | 3402337.9337179996 | 0 34274166.30117551 | 17364077.76478316 | 51638244.06595867 | 0.6637360917500673 | 27728375.264260776 | 17683249.45671881 | 45411624.720979586 | 0.610600819385584 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes [buhrésult] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 354555.8539 | 0.1577201128535648 | 410476.44319 | 0 | 0 | 0 | 0 | 422128.05991999997 | 0.005310425586076509 | 424369.73957 | 0.06821572273115621 | 453318.42806000006 | -0.15828757240705577 | 381563.7545550001 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 234 Autres | 56903.627987299995 | 0.3030739631177477 | 74149.63603718899 | 0 | 0 | 0 | 0 | 30906.28536 | 0.8058265617618695 | 55811.39102848001 | -0.17455043992486788 | 46069.48817164 | 0.9759618348498449 | 91031.550378227 411459.4818873 | 0.17782211994309952 | 484626.079227189 | 0 | 0 | 0 | 0 | 453034.34527999995 | 0.05992213526703335 | 480181.13059848 | 0.03999904288038434 | 499387.91623164003 | -0.053182326674668164 | 472829.30493322713 Dépenses d'intérêt | 115949.31978 | 0.1448208784826036 | 132741.20212999993 | 0 | 0 | 0 | 0 | 123859.60638000001 | -0.02952006156321149 | 120203.26317446727 | -0.06887547634142045 | 111924.20616553271 | 0.23365037037466702 | 138075.33839000002 295510.16210729996 | 0.19077081677285745 | 351884.8770971891 | 0 | 0 | 0 | 0 | 329174.73889999994 | 0.09357682982280878 | 359977.86742401274 | 0.0763542571069221 | 387463.71006610733 | -0.13603788471928674 | 334753.9665432271 AUTRES REVENUS Commissions | 102073.48521 | 0.37711519608452504 | 140566.9476 | 0 | 0 | 0 | 0 | 100420.25478 | 0.32027501145521386 | 132582.35303 | -0.15876394971838437 | 111533.055 | -0.05999667524573753 | 104841.44252000001 Gains sur change | 99673.785790338 | -0.1452734364574302 | 85193.83240385383 | 0 | 0 | 0 | 0 | 110398.42405999989 | -0.4471810104206695 | 61030.34523999959 | 0.5126476528514735 | 92317.40848000048 | 0.6714629791368159 | 154305.13060417195 Autres | 64124.33967 | 3.7249942903444166 | 302987.138812856 | 0 | 0 | 0 | 0 | 49457.89650999999 | 0.1835749484041291 | 58537.127309999996 | 0.046036036338592955 | 61231.94463 | -0.01936246296216962 | 60046.34337 265871.61067033804 | 0.9887340264858886 | 528747.9188167099 | 0 | 0 | 0 | 0 | 260276.57534999988 | -0.03122351582762321 | 252149.8255799996 | 0.05128927811174617 | 265082.4081100005 | 0.20412711944927475 | 319192.91649417195 PRODUIT NET BANCAIRE | 561381.7727776379 | 0.5686879029873947 | 880632.795913899 | 0 | 0 | 0 | 0 | 589451.3142499998 | 0.03847031672643781 | 612127.6930040123 | 0.06602940143704704 | 652546.1181761078 | 0.002146614349965743 | 653946.883037399 Dotation à la provision pour créances douteuses | 107296.99703999999 | -0.5443498485246614 | 48889.89295412495 | 0 | 0 | 0 | 0 | 128533.94244999999 | -1.265131228647798 | -34078.36208471388 | 2.189570005332132 | 40538.5973668234 | -0.14036278692962056 | 34848.48686219829 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 454084.77573763794 | 0.8316907929992794 | 831742.902959774 | 0 | 0 | 0 | 0 | 460917.37179999985 | 0.40199978266197 | 646206.0550887262 | -0.05292202697597168 | 612007.5208092844 | 0.01158625527434649 | 619098.3961752007 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 208326.32789999997 | 0.014401876518652297 | 211326.61795000004 | 0 | 0 | 0 | 0 | 177431.53713 | 0.06439978407912902 | 188858.08980999998 | 0.0686634562652098 | 201825.73899999997 | -0.038246368814237014 | 194106.63735000003 Frais de locaux | 85349.78602999999 | 0.2974240183927033 | 110734.86236 | 0 | 0 | 0 | 0 | 60601.48412000001 | 0.20719133586291108 | 73157.5865700978 | 0.18969381578091396 | 87035.1283199022 | 0.02460858666947476 | 89176.93981845137 Amortissement | 22036.653329999997 | 0.6312106772761176 | 35946.42420332831 | 0 | 0 | 0 | 0 | 20015.33565 | 0.013115497765834549 | 20277.846740000005 | 0.014939500918626324 | 20580.78765 | 0.09427311349767538 | 22521.002580000004 Autres dépenses d'exploitation | 213406.3150556 | 0.20468960189016602 | 257088.3687251781 | 0 | 0 | 0 | 0 | 169975.38253 | 0.38833107570380093 | 235982.10567103996 | -0.08568139958660995 | 215762.82857974997 | -0.014483398704044524 | 212637.84950791704 529119.0823156 | 0.16249119299693707 | 615096.2732385064 | 0 | 0 | 0 | 0 | 428023.73943 | 0.21085720497962637 | 518275.6287911377 | 0.013369053788378561 | 525204.4835496522 | -0.012875088665621513 | 518442.4292563684 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -75034.30657796207 | 3.887301017384197 | 216646.6297212676 | 0 | 0 | 0 | 0 | 32893.63236999983 | 2.889215543561119 | 127930.4262975885 | -0.32148246690186716 | 86803.03725963226 | 0.1595903795136247 | 100655.96691883227 Impôts sur le revenu | -22510.291973388594 | 3.8873010173841966 | 64993.98891638019 | 0 | 0 | 0 | 0 | 9868.0897109996 | 2.889215543561252 | 38379.12788927651 | -0.3214824669018671 | 26040.91117788965 | 0.1595903795136257 | 30196.79007564968 BÉNÉFICE NET (PERTE NETTE) | -52524.01460457347 | 3.887301017384197 | 151652.64080488743 | 0 | 0 | 0 | 0 | 23025.54265900023 | 2.8892155435610616 | 89551.298408312 | -0.3214824669018671 | 60762.12608174261 | 0.15959037951362415 | 70459.17684318259 0 | 0 | 0 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 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 | 354555.8539 | -0.16007513462337944 | 422128.05991999997 | 410476.44319 | -0.03273865943900142 | 424369.73957 | 0 | 0 | 453318.42806000006 | 0 | 0 | 381563.7545550001 | 765032.29709 | -0.09623829199447585 | 846497.7994899999 | 1681379.982105 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 234 | 0 | 0 | 0 | 234 Autres | 56903.627987299995 | 0.8411668476000893 | 30906.28536 | 74149.63603718899 | 0.3285753082081605 | 55811.39102848001 | 0 | 0 | 46069.48817164 | 0 | 0 | 91031.550378227 | 131053.26402448898 | 0.511263556433331 | 86717.67638848 | 223818.714938347 411459.4818873 | -0.09176978263536387 | 453034.34527999995 | 484626.079227189 | 0.009256816533313152 | 480181.13059848 | 0 | 0 | 499387.91623164003 | 0 | 0 | 472829.30493322713 | 896085.561114489 | -0.03978707567942844 | 933215.4758784799 | 1905432.697043347 Dépenses d'intérêt | 115949.31978 | -0.06386494218083762 | 123859.60638000001 | 132741.20212999993 | 0.1043061446454632 | 120203.26317446727 | 0 | 0 | 111924.20616553271 | 0 | 0 | 138075.33839000002 | 248690.52190999995 | 0.01896090283614377 | 244062.86955446727 | 494062.41411 295510.16210729996 | -0.1022696240458687 | 329174.73889999994 | 351884.8770971891 | -0.0224819108595114 | 359977.86742401274 | 0 | 0 | 387463.71006610733 | 0 | 0 | 334753.9665432271 | 647395.039204489 | -0.06059262743307521 | 689152.6063240126 | 1411370.282933347 AUTRES REVENUS Commissions | 102073.48521 | 0.01646311726276618 | 100420.25478 | 140566.9476 | 0.06022366014422226 | 132582.35303 | 0 | 0 | 111533.055 | 0 | 0 | 104841.44252000001 | 242640.43281000003 | 0.04136359283952347 | 233002.60781000002 | 449377.10533000005 Gains sur change | 99673.785790338 | -0.09714484931264238 | 110398.42405999989 | 85193.83240385383 | 0.3959257819832448 | 61030.34523999959 | 0 | 0 | 92317.40848000048 | 0 | 0 | 154305.13060417195 | 184867.61819419183 | 0.0783931947307774 | 171428.76929999946 | 418051.30838417186 Autres | 64124.33967 | 0.29654401409964076 | 49457.89650999999 | 302987.138812856 | 4.175982367708301 | 58537.127309999996 | 0 | 0 | 61231.94463 | 0 | 0 | 60046.34337 | 367111.478482856 | 2.3993369832922737 | 107995.02381999999 | 229273.31182 265871.61067033804 | 0.021496499686206413 | 260276.57534999988 | 528747.9188167099 | 1.0969592883932175 | 252149.8255799996 | 0 | 0 | 265082.4081100005 | 0 | 0 | 319192.91649417195 | 794619.5294870478 | 0.5506998235159192 | 512426.4009299995 | 1096701.7255341718 PRODUIT NET BANCAIRE | 561381.7727776379 | -0.04761977926553058 | 589451.3142499998 | 880632.795913899 | 0.43864230613746574 | 612127.6930040123 | 0 | 0 | 652546.1181761078 | 0 | 0 | 653946.883037399 | 1442014.5686915368 | 0.2000996688407497 | 1201579.0072540122 | 2508072.0084675187 Dotation à la provision pour créances douteuses | 107296.99703999999 | -0.16522441469700677 | 128533.94244999999 | 48889.89295412495 | 2.434631536357051 | -34078.36208471388 | 0 | 0 | 40538.5973668234 | 0 | 0 | 34848.48686219829 | 156186.88999412494 | 0.6535485716154262 | 94455.5803652861 | 169842.66459430777 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 454084.77573763794 | -0.014823906583687383 | 460917.37179999985 | 831742.902959774 | 0.28711716086531097 | 646206.0550887262 | 0 | 0 | 612007.5208092844 | 0 | 0 | 619098.3961752007 | 1285827.678697412 | 0.16141312474155337 | 1107123.426888726 | 2338229.343873211 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 208326.32789999997 | 0.17412231934486405 | 177431.53713 | 211326.61795000004 | 0.11897042992759511 | 188858.08980999998 | 0 | 0 | 201825.73899999997 | 0 | 0 | 194106.63735000003 | 419652.94585 | 0.14568613191642799 | 366289.62694 | 762222.0032899999 Frais de locaux | 85349.78602999999 | 0.40837781894903163 | 60601.48412000001 | 110734.86236 | 0.5136483795005535 | 73157.5865700978 | 0 | 0 | 87035.1283199022 | 0 | 0 | 89176.93981845137 | 196084.64839 | 0.4659540274790212 | 133759.0706900978 | 309971.1388284514 Amortissement | 22036.653329999997 | 0.10098844782550506 | 20015.33565 | 35946.42420332831 | 0.7726943429560756 | 20277.846740000005 | 0 | 0 | 20580.78765 | 0 | 0 | 22521.002580000004 | 57983.07753332831 | 0.43902948573549755 | 40293.18239 | 83394.97262 Autres dépenses d'exploitation | 213406.3150556 | 0.2555130741825781 | 169975.38253 | 257088.3687251781 | 0.08944009968094935 | 235982.10567103996 | 0 | 0 | 215762.82857974997 | 0 | 0 | 212637.84950791704 | 470494.6837807781 | 0.15897525592083117 | 405957.48820103996 | 834358.166288707 529119.0823156 | 0.2361909716041191 | 428023.73943 | 615096.2732385064 | 0.18681303744341582 | 518275.6287911377 | 0 | 0 | 525204.4835496522 | 0 | 0 | 518442.4292563684 | 1144215.3555541064 | 0.20914733115061981 | 946299.3682211378 | 1989946.2810271583 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -75034.30657796207 | -3.281119510729257 | 32893.63236999983 | 216646.6297212676 | 0.6934722723217519 | 127930.4262975885 | 0 | 0 | 86803.03725963226 | 0 | 0 | 100655.96691883227 | 141612.3231433055 | -0.11945809404046914 | 160824.05866758816 | 348283.0628460529 Impôts sur le revenu | -22510.291973388594 | -3.281119510729335 | 9868.0897109996 | 64993.98891638019 | 0.6934722723217513 | 38379.12788927651 | 0 | 0 | 26040.91117788965 | 0 | 0 | 30196.79007564968 | 42483.6969429916 | -0.11945809404046398 | 48247.21760027611 | 104484.91885381544 BÉNÉFICE NET (PERTE NETTE) | -52524.01460457347 | -3.2811195107292237 | 23025.54265900023 | 151652.64080488743 | 0.6934722723217522 | 89551.298408312 | 0 | 0 | 60762.12608174261 | 0 | 0 | 70459.17684318259 | 99128.62620031388 | -0.11945809404047143 | 112576.84106731205 | 243798.14399223748 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 765032.29709 | -0.09623829199447585 | 846497.7994899999 | 1681379.982105 | 0.039074878454053726 | 1618150.9311499998 | -0.18117403792312956 | 1976184.2028625 | 0.10786429930434596 | 1783778.21553 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 234 | 0 | 0 | 0 | 23511.14286 | 0.04762359467558138 | 22442.35714 Autres | 131053.26402448898 | 0.511263556433331 | 86717.67638848 | 223818.714938347 | 0.01096358130447881 | 221391.47154 | 3.670571433222289 | 47401.3672 | 0.9432274826592743 | 24393.112810000002 896085.561114489 | -0.03978707567942844 | 933215.4758784799 | 1905432.697043347 | 0.03581885052336621 | 1839542.40269 | -0.10138959675050671 | 2047096.7129225 | 0.11825707912029326 | 1830613.68548 Dépenses d'intérêt | 248690.52190999995 | 0.01896090283614377 | 244062.86955446727 | 494062.41411 | 0.10401418473200696 | 447514.55275000003 | -0.1464333401215379 | 524287.76073999994 | 0.18438654030396023 | 442666.0916 647395.039204489 | -0.06059262743307521 | 689152.6063240126 | 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999 | -0.08588149029138811 | 1522808.9521825002 | 0.097166030545502 | 1387947.59388 AUTRES REVENUS Commissions | 242640.43281000003 | 0.04136359283952347 | 233002.60781000002 | 449377.10533000005 | 0.3202850954773396 | 340363.688774 | 0.049111274854980895 | 324430.4936299999 | 0.2884041580356194 | 251808.01506000003 Gains sur change | 184867.61819419183 | 0.0783931947307774 | 171428.76929999946 | 418051.30838417186 | 1.8884541115166125 | 144731.85041 | -0.3908119661197053 | 237581.57147 | 0.4532383765439991 | 163484.23996 Autres | 367111.478482856 | 2.3993369832922737 | 107995.02381999999 | 229273.31182 | 0.1000679471020839 | 208417.40950999997 | 0.005116413736305116 | 207356.487926859 | 0.33716438074966887 | 155071.80038000003 794619.5294870478 | 0.5506998235159192 | 512426.4009299995 | 1096701.7255341718 | 0.5813716637871624 | 693512.948694 | -0.0985946254684142 | 769368.553026859 | 0.3489078523493135 | 570364.0554000001 PRODUIT NET BANCAIRE | 1442014.5686915368 | 0.2000996688407497 | 1201579.0072540122 | 2508072.0084675187 | 0.20260030880732272 | 2085540.798634 | -0.09014864952899274 | 2292177.5052093593 | 0.17048658013759438 | 1958311.64928 Dotation à la provision pour créances douteuses | 156186.88999412494 | 0.6535485716154262 | 94455.5803652861 | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999 | -0.5093216673652304 | 132748.92716423233 | -0.23997048830030338 | 174662.85864 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1285827.678697412 | 0.16141312474155337 | 1107123.426888726 | 2338229.343873211 | 0.15730794566542727 | 2020403.7763939998 | -0.06438036574332207 | 2159428.578045127 | 0.21068037013625956 | 1783648.79064 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 419652.94585 | 0.14568613191642799 | 366289.62694 | 762222.0032899999 | 0.2526227287076956 | 608500.8565 | 0.03772653703583535 | 586378.8144400001 | 0.21340878298354737 | 483249.1924099999 Frais de locaux | 196084.64839 | 0.4659540274790212 | 133759.0706900978 | 309971.1388284514 | 0.21736965736583627 | 254623.67733000003 | -0.07233048407209214 | 274476.71068 | 0.27471728024617753 | 215323.59758 Amortissement | 57983.07753332831 | 0.43902948573549755 | 40293.18239 | 83394.97262 | -0.3366673098319316 | 125721.18615 | 0.05704353549281257 | 118936.6208 | 0.3058370156924815 | 91080.75462 Autres dépenses d'exploitation | 470494.6837807781 | 0.15897525592083117 | 405957.48820103996 | 834358.166288707 | 0.6550675012667521 | 504123.345815266 | 0.12895125386205997 | 446541.286960528 | 0.167405553078459 | 382507.42065 1144215.3555541064 | 0.20914733115061981 | 946299.3682211378 | 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266 | 0.04671813152424318 | 1426333.4328805283 | 0.21684092471391048 | 1172160.96526 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 141612.3231433055 | -0.11945809404046914 | 160824.05866758816 | 348283.0628460529 | -0.33966601771300053 | 527434.7105987337 | -0.2805371661814633 | 733095.1451645987 | 0.19887120354199625 | 611487.82538 Impôts sur le revenu | 42483.6969429916 | -0.11945809404046398 | 48247.21760027611 | 104484.91885381544 | -0.33966601771300353 | 158230.41317962017 | -0.2805371661814629 | 219928.54354937957 | 0.19887120354199594 | 183446.34761400003 BÉNÉFICE NET (PERTE NETTE) | 99128.62620031388 | -0.11945809404047143 | 112576.84106731205 | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136 | -0.2805371661814634 | 513166.60161521914 | 0.19887120354199642 | 428041.477766 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 52805947 | 0.02978863346584808 | 54378964 | 0 | 0 | 0 | 0 | 0.18792870177366508 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402 | -0.12749715514287227 | 30027870 Bons B.R.H. | 900000 | -0.2222222222222222 | 700000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 0 | 0 | 0 | 0 Prêts nets | 16063748 | 0.0005653724149557127 | 16072830 | 0 | 0 | 0 | 0 | 0.10768595251489685 | 14510277 | 0.2171181591149883 | 11921831 | 0.4975784283343544 | 7960739 | -0.3096787581337181 | 11531934 Dépôts | 42655914 | 0.034935788739634085 | 44146132 | 0 | 0 | 0 | 0 | 0.19222835579708164 | 37028252 | 0.19574335313889535 | 30966722 | 0.5078596434812641 | 20536873 | -0.1483042224540113 | 24112921 Avoir des Actionnaires | 4731247 | 0.005443385221697366 | 4757001 | 0 | 0 | 0 | 0 | 0.01608737025237708 | 4681685 | 0.16174216472289643 | 4029883 | 0.17979171826575535 | 3415758 | 0.19457200621529208 | 2859399 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 521559 | 0.36200755221526426 | 382934 | 532277 | 0.3827280119081328 | 384947 | 0 | 0 | 407273 | 0 | 0 | 485908 | 1053836 | 0.372394941403681 | 767881 Autres revenus | 851317 | 0.7008175268812907 | 500534 | 728873 | 0.17572677091432315 | 619934 | 0 | 0 | 764416 | 0 | 0 | 512196 | 1580190 | 0.41029462688805035 | 1120468 Dot. à la prov. pr créances douteuses | 138550 | 5.4072327044025155 | 21624 | 35185 | 0.4986370218928358 | 23478 | 0 | 0 | 31055 | 0 | 0 | 112929 | 173735 | 2.8520464724402466 | 45102 Dépenses d'exploitation | 662026 | 0.35037623431167175 | 490253 | 749841 | 0.3298590050545358 | 563850 | 0 | 0 | 631615 | 0 | 0 | 680315 | 1411867 | 0.33940136779802355 | 1054103 Bénéfice (perte) net | 433049 | 0.3714585220326959 | 315758 | 365236 | 0.06331826240876656 | 343487 | 0 | 0 | 386709 | 0 | 0 | 152273 | 798285 | 0.21090793255921547 | 659245 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.08959685923254061 | 0.10910914587701796 | 0.08747869856439339 | 0.0985072258126921 | 0 | 0.09789278215508394 | 0 | 0.10227315077505414 | 0.08747869856439339 | 0.0985072258126921 | 0.10227315077505414 | 0.10359921313727577 | 0.13037541849237627 | 0.0952248361272378 Dépôts en % de l'actif | 0.8077861760532389 | 0.7951438750190043 | 0.8118237044751349 | 0.8058356782141815 | 0 | 0.8227477513286313 | 0 | 0.8088959423226253 | 0.8118237044751349 | 0.8058356782141815 | 0.8088959423226253 | 0.7960846586962368 | 0.7838680058422708 | 0.8030180295838499 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.010414763184881319 | 0.005374122210170579 | 0.00929524304259444 | 0.005062584551945037 | 0 | 0.005208969928074696 | 0 | 0.006870518254882838 | 0.00929524304259444 | 0.005062584551945037 | 0.006870518254882838 | 0.004266541929389752 | 0.007614790344608182 | 0.00771156692827035 Provisions pour créances douteuses en % des prêts improductifs bruts | 2.689859518248684 | 3.40737826468541 | 3.0377385489976714 | 3.5374082066727732 | 0 | 3.3656886397024137 | 0 | 3.231813411536236 | 3.0377385489976714 | 3.5374082066727732 | 3.231813411536236 | 4.266213712168005 | 4.6709410548086865 | 0.8499374413512668 Prêts improductifs nets en % de l'avoir des actionnaires | -0.061476815731666516 | -0.03688590534316315 | -0.06585787978602485 | -0.03948923038561661 | 0 | -0.03878636573960519 | 0 | -0.048604081650089656 | -0.06585787978602485 | -0.03948923038561661 | -0.048604081650089656 | -0.04199030095910973 | -0.06755074569100036 | 0.004697840350367332 Rentabilité ROA (rendement de l'actif) | 0.03514215386052373 | 0.032208179420769825 | 0.02726025494390717 | 0.03369773639519513 | 0 | 0.03505819943823195 | 0 | 0.013240374726003411 | 0.0318819033450568 | 0.03259002788501548 | 0.028301767134140763 | 0.031499650789018965 | 0.03708833677721373 | 0.035819170004876506 ROE (rendement avoir des action.) | 0.3680460030944662 | 0.3027756971964951 | 0.30794810590954197 | 0.3251212270075694 | 0 | 0.35706147186786724 | 0 | 0.13230823335777445 | 0.33830344605170676 | 0.32281683512969145 | 0.27508870963298454 | 0.2754054352069889 | 0.33232252197036666 | 0.37978477122949955 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8255572474618768 | 0.7923433610666821 | 0.82591431719087 | 0.7910417090497356 | 0 | 0.7889157065263712 | 0 | 0.8209208894655571 | 0.8257375595109369 | 0.7916902938987098 | 0.7993268773615595 | 0.7860901596732269 | 0.7121990318744932 | 0.7543258814124651 Rendement moyen des prêts | 0.14760224398534552 | 0.15380860495812324 | 0.13758007705058187 | 0.1521980832473955 | 0 | 0.1448978198601099 | 0 | 0.14490838322525623 | 0.14625839728376752 | 0.1521582069961706 | 0.14536228814988364 | 0.15817093593204473 | 0.17517687234157814 | 0.1642953644965965 Rendement moyen des prêts productifs | 0.14890335385751055 | 0.15455414737226594 | 0.1389493928754054 | 0.15299606513244987 | 0 | 0.14564642878934778 | 0 | 0.14579140680521516 | 0.1474599843426003 | 0.15287271091101975 | 0.14619540671723333 | 0.15906512222369967 | 0.1765311040190458 | 0.1652731115919503 Rémunération moyenne des dépôts | 0.011064381347732246 | 0.012866713935473704 | 0.010340124932078214 | 0.012459695888569006 | 0 | 0.01212609402964075 | 0 | 0.011296959519179542 | 0.010959122276801016 | 0.012467324912050118 | 0.012266024250557107 | 0.013981043459199304 | 0.023385415843127966 | 0.020726968599444458 Dépenses d'exploitation en % du produit net bancaire | 0.4822183503827003 | 0.5549187972852441 | 0.5945692423581652 | 0.5611112161539525 | 0 | 0.5390636935227693 | 0 | 0.6816073274929266 | 0.5360110340596486 | 0.5664059519472466 | 0.5830335656071177 | 0.6041727397791697 | 0.583526490831943 | 0.5863579816296305 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6779.634567901235 | 4370.8991960420535 | 6235.599505562423 | 4996.300807955252 | 0 | 5832.925948973242 | 0 | 4981.180286961946 | 6593.306633291614 | 4606.529702970297 | 5034.915632754342 | 3980.501262626263 | 4014.313700384123 | 3603.8797953964195 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 1463199 | 0.29966805608806457 | 1901673 | 0 | 0 | 0 | 0 | 0.51958297774411 | 1251444 | 0.05776062520127089 | 1183107 | -0.023615958432744118 | 1211723 | 0.3364999740800914 | 906639 Avoirs à la BRH | 19899108 | 0.03923226106416428 | 20679795 | 0 | 0 | 0 | 0 | 0.17093498783331 | 17660925 | 0.26996385035173137 | 13906636 | 0.43938520589584795 | 9661511 | -0.0971563002280118 | 10701200 Avoirs à l'étranger | 5390536 | 0.13770671413751806 | 6132849 | 0 | 0 | 0 | 0 | 0.2374477078203657 | 4956047 | -0.16414665005769627 | 5929326 | 0.6611487659175332 | 3569413 | 0.0525028771668686 | 3391357 Avoirs dans les banques locales | 105042 | -0.3325146132023381 | 70114 | 0 | 0 | 0 | 0 | 0.799686850278498 | 38959 | -0.35693181255467704 | 60583 | 4.275426680599095 | 11484 | 4.04126426690079 | 2278 Autres liquidités | 372944 | -0.2440849028272341 | 281914 | 0 | 0 | 0 | 0 | 0.28050763542546714 | 220158 | -0.1725125537480831 | 266056 | 0.792491982644784 | 148428 | 4.312954146830369 | 27937 27230829 | 0.0674058068522262 | 29066345 | 0 | 0 | 0 | 0 | 0.20469610382462228 | 24127533 | 0.13032245170785622 | 21345708 | 0.46177858278127826 | 14602559 | -0.02840111299105467 | 15029411 Bons B.R.H. | 900000 | 0 | 700000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 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 | 5263383 | 0 | 5375824 | 0 | 0 | 0 | 0 | 0.14943705460795878 | 4676919 | 0.3435743027843237 | 3480953 | 0.41816572188909884 | 2454546 | 0.13000863661223822 | 2172148 Portefeuille net | 16063748 | 0.0005653724149557127 | 16072830 | 0 | 0 | 0 | 0 | 0.10768595251489685 | 14510277 | 0.2171181591149883 | 11921831 | 0.4975784283343544 | 7960739 | -0.3096787581337181 | 11531934 Immobilisations | 1417205 | 0.042338264400704206 | 1477207 | 0 | 0 | 0 | 0 | 0.07005525550237016 | 1380496 | 0.1980206783914801 | 1152314 | 0.3935096110241077 | 826915 | 0.028277427176920448 | 804175 Autres actifs | 1930782 | -0.12638609641067713 | 1686758 | 0 | 0 | 0 | 0 | 0.5602801322034556 | 1081061 | 0.27487517305955134 | 847974 | 1.3910636894003265 | 354643 | -0.27653701943280523 | 490202 52805947 | 0.02978863346584808 | 54378964 | 0 | 0 | 0 | 0 | 0.18792870177366508 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402 | -0.12749715514287227 | 30027870 PASSIF Dépôts À vue | 21427523 | 0.002153725374603495 | 21473672 | 0 | 0 | 0 | 0 | 0.21744601731629956 | 17638295 | 0.2193429014455864 | 14465410 | 0.7091304323168086 | 8463608 | -0.12352628005108719 | 9656431 Épargne | 11337520 | 0.06396637007035048 | 12062740 | 0 | 0 | 0 | 0 | 0.27934778689167894 | 9428820 | 0.2742180720789557 | 7399691 | 0.5216271314979276 | 4863012 | -0.12856025176536448 | 5580434 À terme | 9890871 | 0.0726780280523323 | 10609720 | 0 | 0 | 0 | 0 | 0.06511134220922772 | 9961137 | 0.09443548572281794 | 9101621 | 0.2623164540828179 | 7210253 | -0.18767378213927446 | 8876056 42655914 | 0.034935788739634085 | 44146132 | 0 | 0 | 0 | 0 | 0.19222835579708164 | 37028252 | 0.19574335313889535 | 30966722 | 0.5078596434812641 | 20536873 | -0.1483042224540113 | 24112921 Obligations à vue Banques locales | 650000 | -0.5384615384615384 | 300000 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2145961 | 0.13422191736010114 | 2433996 | 0 | 0 | 0 | 0 | 0.4133784562211982 | 1722112 | 0.2799628968686057 | 1345439 | 0.5299545825667105 | 879398 | -0.15489224707493454 | 1040575 2795961 | -0.02216232629854279 | 2733996 | 0 | 0 | 0 | 0 | 0.3520497380956149 | 2022112 | 0.22891945553739762 | 1645439 | 0.8710970459336955 | 879398 | -0.3895507002412231 | 1440575 Obligations à terme Banques locales | 485363 | -0.034549399109532454 | 468594 | 0 | 0 | 0 | 0 | -0.06698816099140248 | 502238 | -0.11764850563242704 | 569204 | -0.08657277839114694 | 623152 | 0.022214202522924494 | 609610 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 104029 | 0.5881533034057811 | 165214 | 0 | 0 | 0 | 0 | 1.075161715757081 | 79615 | -0.6055206790108164 | 201823 | 1.4073835510228425 | 83835 | -0.5356250657774478 | 180533 589392 | 0.07535901403480197 | 633808 | 0 | 0 | 0 | 0 | 0.08929231266316406 | 581853 | -0.2453532755662253 | 771027 | 0.09058158070799038 | 706987 | -0.10524170941209376 | 790143 Autres passifs | 2033433 | 0.03668377566411089 | 2108027 | 0 | 0 | 0 | 0 | 0.4415003172901235 | 1462384 | -0.015699575085026746 | 1485709 | 1.249758474589104 | 660386 | -0.19936908364369957 | 824832 48074700 | 0.03218455861399031 | 49621963 | 0 | 0 | 0 | 0 | 0.20750565262818832 | 41094601 | 0.1785460549555095 | 34868897 | 0.5304354737986601 | 22783644 | -0.16139395551556804 | 27168471 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0 | 2025000 | 0 | 0 | 0 | 0 | 0 | 2025000 | 1.5 | 810000 | 0 | 810000 | 0 | 810000 Réserves | 442384 | 0.062151886144164344 | 469879 | 0 | 0 | 0 | 0 | 0.062151886144164344 | 442384 | -0.26984399448071883 | 605876 | 0.662630897236065 | 364408 | 0.017260101891269454 | 358225 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1384 | 0 | 1384 | 0 | 0 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 2262479 | -0.0007695099048433157 | 2260738 | 0 | 0 | 0 | 0 | 0.021609938375456467 | 2212917 | -0.15299030897301294 | 2612623 | 0.16636725736015637 | 2239966 | 0.3255883867226105 | 1689790 4731247 | 0.005443385221697366 | 4757001 | 0 | 0 | 0 | 0 | 0.01608737025237708 | 4681685 | 0.16174216472289643 | 4029883 | 0.17979171826575535 | 3415758 | 0.19457200621529208 | 2859399 52805947 | 0.02978863346584808 | 54378964 | 0 | 0 | 0 | 0 | 0.18792870177366508 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402 | -0.12749715514287227 | 30027870 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 | 333165 | 343044 | 0 | 0 | 323187 | 240645 | 244796 | 435120 Portefeuille brut | 16526732 | 0.0007942284052285715 | 16539858 | 0 | 0 | 0 | 0 | 0.1145619851718856 | 14839783 | 0.22209999213529272 | 12142855 | 0.47108893500878507 | 8254331 | -0.2889111895683819 | 11608017 Provisions pour créances douteuses | 462984 | 0.008734643097817634 | 467028 | 0 | 0 | 0 | 0 | 0.4173581057704564 | 329506 | 0.4908154770522658 | 221024 | -0.24717294749175728 | 293592 | 2.8588383738811562 | 76083 Portefeuille de crédit improductif | 172122 | -0.10678472246429858 | 153742 | 0 | 0 | 0 | 0 | 0.507910197436174 | 101957 | 0.9679779184681903 | 51808 | -0.1757537188767799 | 62855 | -0.29783502390634076 | 89516 0.018201979682702298 [capitalbkcomp ] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 1463199 | 0.027708981338787467 | 1901673 | 0.03497074714406107 | 0 | 0 | 0 | 0 | 1251444 | 0.027338259814262782 | 1183107 | 0.030415015586607086 | 1211723 | 0.04625002509599265 | 906639 | 0.030193250470313078 Avoirs à la BRH | 19899108 | 0.37683460160273236 | 20679795 | 0.380290345362225 | 0 | 0 | 0 | 0 | 17660925 | 0.38580947785934405 | 13906636 | 0.35750828175073873 | 9661511 | 0.36876837875917934 | 10701200 | 0.35637559374008215 Avoirs à l'étranger | 5390536 | 0.1020819870913403 | 6132849 | 0.11277980580873148 | 0 | 0 | 0 | 0 | 4956047 | 0.10826669074900484 | 5929326 | 0.15242961347373876 | 3569413 | 0.13624024701021803 | 3391357 | 0.11294031178368628 Avoirs dans les banques locales | 105042 | 0.001989207768587125 | 70114 | 0.0012893588778190037 | 0 | 0 | 0 | 0 | 38959 | 0.0008510738507706807 | 60583 | 0.001557452444523967 | 11484 | 0.0004383306153323652 | 2278 | 7.58628567394224e-05 Autres liquidités | 372944 | 0.007062537861502607 | 281914 | 0.005184247349765619 | 0 | 0 | 0 | 0 | 220158 | 0.004809433425857222 | 266056 | 0.0068397003710656224 | 148428 | 0.005665320147383517 | 27937 | 0.0009303690205132765 27230829 | 0.5156773156629498 | 29066345 | 0.5345145045426022 | 0 | 0 | 0 | 0 | 24127533 | 0.5270749356992396 | 21345708 | 0.5487500636266741 | 14602559 | 0.5573623016281058 | 15029411 | 0.5005153878713342 Bons B.R.H. | 900000 | 0.01704353488822007 | 700000 | 0.012872624789247548 | 0 | 0 | 0 | 0 | 0 | 0 | 150000 | 0.003856162069864402 | 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 | 5263383 | 0.09967405754507158 | 5375824 | 0.09885852183575987 | 0 | 0 | 0 | 0 | 4676919 | 0.10216903573173236 | 3480953 | 0.08948745950387132 | 2454546 | 0.09368710018648517 | 2172148 | 0.07233773158069487 Portefeuille net | 16063748 | 0.30420338830397264 | 16072830 | 0.29557072841623094 | 0 | 0 | 0 | 0 | 14510277 | 0.3169824000138412 | 11921831 | 0.3064834167035573 | 7960739 | 0.303851935246461 | 11531934 | 0.38404102588695105 Immobilisations | 1417205 | 0.026837980956955474 | 1477207 | 0.027165044924357146 | 0 | 0 | 0 | 0 | 1380496 | 0.030157448771619435 | 1152314 | 0.02962339692915819 | 826915 | 0.031562361614207834 | 804175 | 0.026780953827227838 Autres actifs | 1930782 | 0.03656372264283036 | 1686758 | 0.031018575491802307 | 0 | 0 | 0 | 0 | 1081061 | 0.023616179783567413 | 847974 | 0.02179950116687464 | 354643 | 0.01353630132474016 | 490202 | 0.016324900833792073 52805947 | 1 | 54378964 | 1 | 0 | 0 | 0 | 0 | 45776286 | 1 | 38898780 | 1 | 26199402 | 1 | 30027870 | 1 PASSIF Dépôts À vue | 21427523 | 0.4057785953540422 | 21473672 | 0.3948893178619585 | 0 | 0 | 0 | 0 | 17638295 | 0.3853151170892283 | 14465410 | 0.3718731024469148 | 8463608 | 0.3230458466189419 | 9656431 | 0.32158228339206213 Épargne | 11337520 | 0.21470157518432537 | 12062740 | 0.22182732278606854 | 0 | 0 | 0 | 0 | 9428820 | 0.2059760811525863 | 7399691 | 0.19022938508611323 | 4863012 | 0.18561538160298469 | 5580434 | 0.1858418196162432 À terme | 9890871 | 0.18730600551487128 | 10609720 | 0.19510706382710785 | 0 | 0 | 0 | 0 | 9961137 | 0.21760474408081076 | 9101621 | 0.2339821711632087 | 7210253 | 0.2752067776203442 | 8876056 | 0.2955939265755447 42655914 | 0.8077861760532389 | 44146132 | 0.8118237044751349 | 0 | 0 | 0 | 0 | 37028252 | 0.8088959423226253 | 30966722 | 0.7960846586962368 | 20536873 | 0.7838680058422708 | 24112921 | 0.8030180295838499 Obligations à vue Banques locales | 650000 | 0.012309219641492274 | 300000 | 0.005516839195391806 | 0 | 0 | 0 | 0 | 300000 | 0.00655361162327586 | 300000 | 0.007712324139728804 | 0 | 0 | 400000 | 0.01332095816319972 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2145961 | 0.04063862352473292 | 2433996 | 0.04475988178075625 | 0 | 0 | 0 | 0 | 1722112 | 0.037620177399276124 | 1345439 | 0.034588205594108606 | 879398 | 0.033565575275344074 | 1040575 | 0.03465364010167887 2795961 | 0.052947843166225195 | 2733996 | 0.050276720976148055 | 0 | 0 | 0 | 0 | 2022112 | 0.04417378902255198 | 1645439 | 0.04230052973383741 | 879398 | 0.033565575275344074 | 1440575 | 0.04797459826487859 Obligations à terme Banques locales | 485363 | 0.009191445804390175 | 468594 | 0.008617192486418094 | 0 | 0 | 0 | 0 | 502238 | 0.010971575981502737 | 569204 | 0.014632952498767313 | 623152 | 0.02378497035924713 | 609610 | 0.020301473264670456 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 104029 | 0.0019700243232073844 | 165214 | 0.0030381969027582062 | 0 | 0 | 0 | 0 | 79615 | 0.0017392192979570251 | 201823 | 0.005188414649508288 | 83835 | 0.0031998821957844687 | 180533 | 0.006012181350192338 589392 | 0.01116147012759756 | 633808 | 0.0116553893891763 | 0 | 0 | 0 | 0 | 581853 | 0.012710795279459763 | 771027 | 0.019821367148275603 | 706987 | 0.0269848525550316 | 790143 | 0.02631365461486279 Autres passifs | 2033433 | 0.03850765142039778 | 2108027 | 0.03876548659514734 | 0 | 0 | 0 | 0 | 1462384 | 0.031946322600308816 | 1485709 | 0.03819423128437447 | 660386 | 0.0252061478349773 | 824832 | 0.027468881409170882 48074700 | 0.9104031407674594 | 49621963 | 0.9125213014356066 | 0 | 0 | 0 | 0 | 41094601 | 0.8977268492249458 | 34868897 | 0.8964007868627242 | 22783644 | 0.8696245815076237 | 27168471 | 0.9047751638727622 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0.03834795349849516 | 2025000 | 0.03723866456889469 | 0 | 0 | 0 | 0 | 2025000 | 0.04423687845711205 | 810000 | 0.02082327517726777 | 810000 | 0.030916736191154287 | 810000 | 0.026974940280479434 Réserves | 442384 | 0.00837754126443372 | 469879 | 0.008640822947638354 | 0 | 0 | 0 | 0 | 442384 | 0.009664043081170894 | 605876 | 0.015575707001607762 | 364408 | 0.013909019755489076 | 358225 | 0.01192975059503055 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 | 2.6209169205885088e-05 | 1384 | 2.5451018154740868e-05 | 0 | 0 | 0 | 0 | 1384 | 3.02339949553793e-05 | 1384 | 3.5579522031282215e-05 | 1384 | 5.282563319575004e-05 | 1384 | 4.609051524467103e-05 BNR | 2262479 | 0.04284515530040584 | 2260738 | 0.04157376002970561 | 0 | 0 | 0 | 0 | 2212917 | 0.048341995241815816 | 2612623 | 0.06716465143636896 | 2239966 | 0.08549683691253716 | 1689790 | 0.05627405473648314 4731247 | 0.08959685923254061 | 4757001 | 0.08747869856439339 | 0 | 0 | 0 | 0 | 4681685 | 0.10227315077505414 | 4029883 | 0.10359921313727577 | 3415758 | 0.13037541849237627 | 2859399 | 0.0952248361272378 52805947 | 1 | 54378964 | 1 | 0 | 0 | 0 | 0 | 45776286 | 1 | 38898780 | 1 | 26199402 | 1 | 30027870 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 454760 | 1446913 | 1901673 | 0.23913680217366498 | 574839 | 676605 | 1251444 | 0.45934056977379734 Avoirs à la BRH | 14959188 | 5720607 | 20679795 | 0.7233721610876703 | 12062158 | 5598767 | 17660925 | 0.6829856307073384 Avoirs à l'étranger | 6132849 | 0 | 6132849 | 1 | 4956047 | 0 | 4956047 | 1 Avoirs dans les banques locales | 1192 | 68922 | 70114 | 0.017000884274182046 | 925 | 38034 | 38959 | 0.023742909212248774 Autres liquidités | 130212 | 151702 | 281914 | 0.4618855395617103 | 83641 | 136517 | 220158 | 0.37991351665621964 21678201 | 7388144 | 29066345 | 0.7458179210354794 | 17677610 | 6449923 | 24127533 | 0.7326737466279706 Bons B.R.H. | 0 | 700000 | 700000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 3322258 | 2053566 | 5375824 | 0.6179997708258306 | 2786625 | 1890294 | 4676919 | 0.5958249437289805 Portefeuille net | 10564592 | 5508238 | 16072830 | 0.6572950749805728 | 8428803 | 6081474 | 14510277 | 0.5808850513329277 Immobilisations | 0 | 1477207 | 1477207 | 0 | 0 | 1380496 | 1380496 | 0 Autres actifs | 297413 | 1389345 | 1686758 | 0.17632227029603537 | 319339 | 761722 | 1081061 | 0.29539406194470064 35862464 | 18516500 | 54378964 | 0.6594914901284255 | 29212377 | 16563909 | 45776286 | 0.6381552448357213 PASSIF Dépôts À vue | 15150833 | 6322839 | 21473672 | 0.7055538987463346 | 11970887 | 5667408 | 17638295 | 0.6786873107633136 Épargne | 9100317 | 2962423 | 12062740 | 0.7544154147399347 | 6724675 | 2704145 | 9428820 | 0.7132043034016982 À terme | 8670950 | 1938770 | 10609720 | 0.8172647346018557 | 8446262 | 1514875 | 9961137 | 0.8479214772369861 32922100 | 11224032 | 44146132 | 0.7457527649307985 | 27141824 | 9886428 | 37028252 | 0.7330031134064876 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 | 1351328 | 1082668 | 2433996 | 0.555189080014922 | 963411 | 758701 | 1722112 | 0.5594357393711907 1351328 | 1382668 | 2733996 | 0.49426846271903835 | 963411 | 1058701 | 2022112 | 0.47643800145590354 Obligations à terme Banques locales | 0 | 468594 | 468594 | 0 | 0 | 502238 | 502238 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 165214 | 165214 | 0 | 0 | 79615 | 79615 | 0 0 | 633808 | 633808 | 0 | 0 | 581853 | 581853 | 0 Autres passifs | 1548118 | 559909 | 2108027 | 0.7343919219250987 | 1112595 | 349789 | 1462384 | 0.7608090624623902 35821546 | 13800417 | 49621963 | 0.7218889345429563 | 29217830 | 11876771 | 41094601 | 0.7109895044363613 AVOIR DES ACTIONNAIRES Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 2025000 | 2025000 | 0 Réserves | 0 | 469879 | 469879 | 0 | 0 | 442384 | 442384 | 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 | 2260738 | 2260738 | 0 | 0 | 2212917 | 2212917 | 0 0 | 4757001 | 4757001 | 0 | 0 | 4681685 | 4681685 | 0 35821546 | 18557418 | 54378964 | 0.6587390300411019 | 29217830 | 16558456 | 45776286 | 0.6382743676496604 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes [CAPITALBKRÉSULT ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 578721 | -0.017379704555390247 | 568663 | 0 | 0 | 0 | 0 | 469884 | 0.013015978411693099 | 476000 | 0.026119747899159666 | 488433 | 0.07857577190730355 | 526812 Intérêts sur Bons B.R.H. | 6360 | 1.6147798742138364 | 16630 | 0 | 0 | 0 | 0 | 1417 | -1 | 0 | #DIV/0! | 936 | 5.676282051282051 | 6249 Autres | 46685 | 0.2675805933383314 | 59177 | 0 | 0 | 0 | 0 | 11992 | -0.11332555036691128 | 10633 | 1.5275086993322675 | 26875 | 1.1895813953488372 | 58845 631766 | 0.020108711136718343 | 644470 | 0 | 0 | 0 | 0 | 483293 | 0.006910921532072676 | 486633 | 0.0608487299463867 | 516244 | 0.14656247820797919 | 591906 Dépenses d'intérêt | 110207 | 0.018020633898028257 | 112193 | 0 | 0 | 0 | 0 | 100359 | 0.013222531113303241 | 101686 | 0.07164211395865704 | 108971 | -0.027282488001394867 | 105998 521559 | 0.020549928196043017 | 532277 | 0 | 0 | 0 | 0 | 382934 | 0.005256780541816605 | 384947 | 0.05799759447404448 | 407273 | 0.1930768796360181 | 485908 AUTRES REVENUS Commissions | 265264 | 0.12901109837746547 | 299486 | 0 | 0 | 0 | 0 | 234086 | -0.08308057722375538 | 214638 | 0.23561997409591964 | 265211 | -0.17385779624525377 | 219102 Gains sur change | 264640 | -0.15282648125755743 | 224196 | 0 | 0 | 0 | 0 | 173268 | 0.20205115774407276 | 208277 | 0.11775184009756239 | 232802 | -0.0518208606455271 | 220738 Autres | 321413 | -0.36159707292486615 | 205191 | 0 | 0 | 0 | 0 | 93180 | 1.1143915003219576 | 197019 | 0.35216908013947895 | 266403 | -0.728396451991907 | 72356 851317 | -0.143828914493661 | 728873 | 0 | 0 | 0 | 0 | 500534 | 0.23854523369041863 | 619934 | 0.23306029351511612 | 764416 | -0.32995123074346955 | 512196 PRODUIT NET BANCAIRE | 1372876 | -0.08138098415297522 | 1261150 | 0 | 0 | 0 | 0 | 883468 | 0.13742772799920314 | 1004881 | 0.16599776490947685 | 1171689 | -0.1481493809364089 | 998104 Dotation à la provisions pour créances douteuses | 138550 | -0.7460483579935041 | 35185 | 0 | 0 | 0 | 0 | 21624 | 0.08573806881243064 | 23478 | 0.3227276599369623 | 31055 | 2.6364192561584288 | 112929 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1234326 | -0.0067737372460759965 | 1225965 | 0 | 0 | 0 | 0 | 861844 | 0.13872464158246736 | 981403 | 0.16224833223456622 | 1140634 | -0.22396228764003176 | 885175 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 240731 | 0.08399001374978711 | 260950 | 0 | 0 | 0 | 0 | 184811 | 0.08939944050949349 | 201333 | 0.02039407350012169 | 205439 | 0.31608409308845936 | 270375 Frais de locaux | 72907 | 0.18571604921338142 | 86447 | 0 | 0 | 0 | 0 | 71384 | 0.023170458366020396 | 73038 | 0.16238122621101345 | 84898 | -0.23173690781879433 | 65224 Amortissement | 28673 | -0.10354689080319464 | 25704 | 0 | 0 | 0 | 0 | 21445 | 0.05465143390067615 | 22617 | 0.11102268205332272 | 25128 | 0.07545367717287488 | 27024 Autres dépenses d'exploitation | 319715 | 0.17836197863722378 | 376740 | 0 | 0 | 0 | 0 | 212613 | 0.2551537300165089 | 266862 | 0.1846947111241016 | 316150 | 0.004877431598924561 | 317692 662026 | 0.13264584774616103 | 749841 | 0 | 0 | 0 | 0 | 490253 | 0.15012044801357666 | 563850 | 0.12018267269663918 | 631615 | 0.07710393198388259 | 680315 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 572300 | -0.16805172112528394 | 476124 | 0 | 0 | 0 | 0 | 371591 | 0.12368975567223103 | 417553 | 0.2190524316673572 | 509019 | -0.5975395810372501 | 204860 Impôts sur le revenu | 139251 | -0.2036825588326116 | 110888 | 0 | 0 | 0 | 0 | 55833 | 0.32656314366055916 | 74066 | 0.6513649987848675 | 122310 | -0.5700515084621045 | 52587 BÉNÉFICE NET | 433049 | -0.15659428840616188 | 365236 | 0 | 0 | 0 | 0 | 315758 | 0.0878172524528278 | 343487 | 0.12583300095782374 | 386709 | -0.6062336278700522 | 152273 0 | 0 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 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 | 578721 | 0.23162525218990218 | 469884 | 568663 | 0.1946701680672269 | 476000 | 0 | 0 | 488433 | 0 | 0 | 526812 | 1147384 | 0.21302823602048454 | 945884 | 1961129 Intérêts sur Bons B.R.H. | 6360 | 3.4883556810162313 | 1417 | 16630 | 0 | 0 | 0 | 0 | 936 | 0 | 0 | 6249 | 22990 | 15.22441778405081 | 1417 | 8602 Autres | 46685 | 2.893012008005337 | 11992 | 59177 | 4.565409573967836 | 10633 | 0 | 0 | 26875 | 0 | 0 | 58845 | 105862 | 3.6789834254143647 | 22625 | 108345 631766 | 0.30721115348246303 | 483293 | 644470 | 0.32434504030758293 | 486633 | 0 | 0 | 516244 | 0 | 0 | 591906 | 1276236 | 0.31580759769301986 | 969926 | 2078076 Dépenses d'intérêt | 110207 | 0.0981277214798872 | 100359 | 112193 | 0.10332789174517633 | 101686 | 0 | 0 | 108971 | 0 | 0 | 105998 | 222400 | 0.10074488356554233 | 202045 | 417014 521559 | 0.36200755221526426 | 382934 | 532277 | 0.3827280119081328 | 384947 | 0 | 0 | 407273 | 0 | 0 | 485908 | 1053836 | 0.372394941403681 | 767881 | 1661062 AUTRES REVENUS Commissions | 265264 | 0.13319036593388756 | 234086 | 299486 | 0.3953074478890038 | 214638 | 0 | 0 | 265211 | 0 | 0 | 219102 | 564750 | 0.2585687415872563 | 448724 | 933037 Gains sur change | 264640 | 0.5273449223168732 | 173268 | 224196 | 0.07643186717688463 | 208277 | 0 | 0 | 232802 | 0 | 0 | 220738 | 488836 | 0.2812014310238635 | 381545 | 835085 Autres | 321413 | 2.449377548830221 | 93180 | 205191 | 0.04147823306381618 | 197019 | 0 | 0 | 266403 | 0 | 0 | 72356 | 526604 | 0.8146306500022399 | 290199 | 628958 851317 | 0.7008175268812907 | 500534 | 728873 | 0.17572677091432315 | 619934 | 0 | 0 | 764416 | 0 | 0 | 512196 | 1580190 | 0.41029462688805035 | 1120468 | 2397080 PRODUIT NET BANCAIRE | 1372876 | 0.553962339326382 | 883468 | 1261150 | 0.25502422674923697 | 1004881 | 0 | 0 | 1171689 | 0 | 0 | 998104 | 2634026 | 0.3948830433357393 | 1888349 | 4058142 Dotation à la provisions pour créances douteuses | 138550 | 5.4072327044025155 | 21624 | 35185 | 0.4986370218928358 | 23478 | 0 | 0 | 31055 | 0 | 0 | 112929 | 173735 | 2.8520464724402466 | 45102 | 189086 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1234326 | 0.43219190479947645 | 861844 | 1225965 | 0.2491963036591492 | 981403 | 0 | 0 | 1140634 | 0 | 0 | 885175 | 2460291 | 0.3347592590683723 | 1843247 | 3869056 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 240731 | 0.30257939191931216 | 184811 | 260950 | 0.29611141740300895 | 201333 | 0 | 0 | 205439 | 0 | 0 | 270375 | 501681 | 0.2992070315737134 | 386144 | 861958 Frais de locaux | 72907 | 0.021335313235458925 | 71384 | 86447 | 0.18358936444042828 | 73038 | 0 | 0 | 84898 | 0 | 0 | 65224 | 159354 | 0.10339145005608563 | 144422 | 294544 Amortissement | 28673 | 0.33704826299836793 | 21445 | 25704 | 0.13649025069637882 | 22617 | 0 | 0 | 25128 | 0 | 0 | 27024 | 54377 | 0.2341019472561391 | 44062 | 96214 Autres dépenses d'exploitation | 319715 | 0.5037415397929571 | 212613 | 376740 | 0.41174089979090317 | 266862 | 0 | 0 | 316150 | 0 | 0 | 317692 | 696455 | 0.4525366286042025 | 479475 | 1113317 662026 | 0.35037623431167175 | 490253 | 749841 | 0.3298590050545358 | 563850 | 0 | 0 | 631615 | 0 | 0 | 680315 | 1411867 | 0.33940136779802355 | 1054103 | 2366033 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 572300 | 0.5401341797836869 | 371591 | 476124 | 0.14027201337315262 | 417553 | 0 | 0 | 509019 | 0 | 0 | 204860 | 1048424 | 0.3285585393793782 | 789144 | 1503023 Impôts sur le revenu | 139251 | 1.4940626511203052 | 55833 | 110888 | 0.49715118947965325 | 74066 | 0 | 0 | 122310 | 0 | 0 | 52587 | 250139 | 0.9256422297323305 | 129899 | 304796 BÉNÉFICE NET | 433049 | 0.3714585220326959 | 315758 | 365236 | 0.06331826240876656 | 343487 | 0 | 0 | 386709 | 0 | 0 | 152273 | 798285 | 0.21090793255921547 | 659245 | 1198227 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1147384 | 0.21302823602048454 | 945884 | 1961129 | 0.21573583134805138 | 1613121 | -0.07276549221940183 | 1739712 | 0.01256015253775612 | 1718132 Intérêts sur Bons B.R.H. | 22990 | 15.22441778405081 | 1417 | 8602 | 0.3254237288135593 | 6490 | -0.38617232573536364 | 10573 | 0.8033429984649497 | 5863 Autres | 105862 | 3.6789834254143647 | 22625 | 108345 | 0.7058443807664452 | 63514 | -0.0034831178611773564 | 63736 | -0.29067942796728063 | 89855 1276236 | 0.31580759769301986 | 969926 | 2078076 | 0.23465339769773486 | 1683125 | -0.07215792981448396 | 1814021 | 9.427460925655374e-05 | 1813850 Dépenses d'intérêt | 222400 | 0.10074488356554233 | 202045 | 417014 | 0.15825317953432563 | 360037 | -0.3103756725540485 | 522077 | 0.1715849520663531 | 445616 1053836 | 0.372394941403681 | 767881 | 1661062 | 0.2554433265209873 | 1323088 | 0.024106308013350425 | 1291944 | -0.0557580063059389 | 1368234 AUTRES REVENUS Commissions | 564750 | 0.2585687415872563 | 448724 | 933037 | 0.275442217787134 | 731540 | -0.16122515200887919 | 872153 | 0.1736305111932867 | 743124 Gains sur change | 488836 | 0.2812014310238635 | 381545 | 835085 | 0.3146431618751358 | 635218 | 0.6725153897598197 | 379798 | 0.6977475000782273 | 223707 Autres | 526604 | 0.8146306500022399 | 290199 | 628958 | 0.35928905947773015 | 462711 | -0.2174471150919017 | 591284 | 0.22376228607381682 | 483169 1580190 | 0.41029462688805035 | 1120468 | 2397080 | 0.31025997160924834 | 1829469 | -0.007468391170957583 | 1843235 | 0.2711965517241379 | 1450000 PRODUIT NET BANCAIRE | 2634026 | 0.3948830433357393 | 1888349 | 4058142 | 0.2872541241918861 | 3152557 | 0.005542905205731475 | 3135179 | 0.1124622724727613 | 2818234 Dotation à la provisions pour créances douteuses | 173735 | 2.8520464724402466 | 45102 | 189086 | 0.9997884784195108 | 94553 | -0.3132408483439861 | 137680 | 0.5528811991743833 | 88661 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2460291 | 0.3347592590683723 | 1843247 | 3869056 | 0.26522267465967997 | 3058004 | 0.020185161029244714 | 2997499 | 0.09815674466299308 | 2729573 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 501681 | 0.2992070315737134 | 386144 | 861958 | 0.20812256734350057 | 713469 | 0.1465198757494484 | 622291 | 0.06851801293641513 | 582387 Frais de locaux | 159354 | 0.10339145005608563 | 144422 | 294544 | 0.1443223670919517 | 257396 | -0.023728247841852138 | 263652 | 0.22133486510524755 | 215872 Amortissement | 54377 | 0.2341019472561391 | 44062 | 96214 | 0.006991396814100014 | 95546 | -0.05017247721014385 | 100593 | 0.12848328472066411 | 89140 Autres dépenses d'exploitation | 696455 | 0.4525366286042025 | 479475 | 1113317 | 0.3280999859235242 | 838278 | -0.005511766185326316 | 842924 | 0.10172462243250838 | 765095 1411867 | 0.33940136779802355 | 1054103 | 2366033 | 0.2422148707741789 | 1904689 | 0.041120877198736236 | 1829460 | 0.10709025267262695 | 1652494 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1048424 | 0.3285585393793782 | 789144 | 1503023 | 0.30321984887043 | 1153315 | -0.01260574347260665 | 1168039 | 0.08445062989808547 | 1077079 Impôts sur le revenu | 250139 | 0.9256422297323305 | 129899 | 304796 | 1.3806607826290713 | 128030 | 0.021371987459214526 | 125351 | -0.01218310913575577 | 126897 BÉNÉFICE NET | 798285 | 0.21090793255921547 | 659245 | 1198227 | 0.16867700200432076 | 1025285 | -0.01669051528357476 | 1042688 | 0.09735608546573182 | 950182 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 6293856 | -0.04617868600743328 | 6003214 | 0 | 0 | 0 | 0 | 0.061731761962671106 | 5654172 | -0.0609448825959384 | 6021129 | 0.5258089579107736 | 3946188 | -0.36875899387600625 | 6251476 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 | 0 | 0 | 0 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 | -0.4302169231147179 | 610585 Dépôts | 4806684 | -0.08203638932786095 | 4412361 | 0 | 0 | 0 | 0 | 0.07933252218786188 | 4088046 | -0.10085488207430972 | 4546592 | 0.5384432142712126 | 2955320 | -0.3520973112428651 | 4561364 Avoir des Actionnaires | 465167 | 0.027097794985456836 | 477772 | 0 | 0 | 0 | 0 | 0.014007623542994915 | 471172 | -0.0155099823441532 | 478595 | 0.08673537739812033 | 440397 | 0.004956358035255862 | 438225 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 12539 | 0.39944196428571427 | 8960 | 16922 | 2.198261198261198 | 5291 | 0 | 0 | 5984 | 0 | 0 | 10754 | 29461 | 1.0672935232615255 | 14251 Autres revenus | 73063 | -0.07076449565670825 | 78627 | 57632 | -0.08315436134841471 | 62859 | 0 | 0 | 54579 | 0 | 0 | 79955 | 130695 | -0.07626903015139307 | 141486 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 | 92041.65662 | 0.1403557991967256 | 80713.1043529 | 58886.3 | -0.18783118405627194 | 72505 | 0 | 0 | 81061 | 0 | 0 | 71324.00518 | 150927.95662 | -0.6710527934360816 | 458821.2138858 Bénéfice (perte) net | -6439.656619999994 | -2.3591807628649697 | 4737.895647099998 | 12801.699999999997 | 5.264390406395735 | -3002 | 0 | 0 | -14854 | 0 | 0 | 18948.994820000007 | 6362.043379999988 | 1.0212463142635804 | -299442.2138858 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.07390810975020719 | 0.08738975625690153 | 0.07958603508054185 | 0.08388275580315163 | 0 | 0.07426921704330591 | 0 | 0.08333174158833513 | 0.07958603508054185 | 0.08388275580315163 | 0.08333174158833513 | 0.07948592365318863 | 0.11160061304732567 | 0.07009944531499442 Dépôts en % de l'actif | 0.7637105138725767 | 0.7383017332585607 | 0.7349997851151067 | 0.7538609271205152 | 0 | 0.7574870877451949 | 0 | 0.7230140858820708 | 0.7349997851151067 | 0.7538609271205152 | 0.7230140858820708 | 0.7551062267558127 | 0.7489050192236153 | 0.7296459268179227 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) | -0.004311778726999967 | 0.003279916565267441 | 0.008328292837236836 | -0.002152467589525793 | 0 | -0.01014669294077686 | 0 | 0.012908963439552664 | 0.002183008568130107 | 0.0005963459409795015 | 0.0009988419942406658 | 0.009096352708335505 | 0.008412710989497203 | 0.012102312249806381 ROE (rendement avoir des action.) | -0.055019873101515536 | 0.03938817827408972 | 0.10861105543412668 | -0.02513903616248677 | 0 | -0.12862722006217472 | 0 | 0.16416787441141184 | 0.02681736068724809 | 0.007307349767158932 | 0.012278570359045997 | 0.09865834630528723 | 0.09764153412958018 | 0.19389415785068315 Revenus nets d'intérêt en % des revenus d'intérêt | 0.9216464535097391 | 0.928016571724495 | 0.9378186654843715 | 0.8767191383595692 | 0 | 0.8779342723004695 | 0 | 0.9242801890846584 | 0.9308666940503649 | 0.9082855321861057 | 0.9076769866143347 | 0.9639843695967909 | 0.9649378835503667 | 0.972605082253155 Rendement moyen des prêts | 0.24893707263078405 | 0.275055576651539 | 0.24347502249992242 | 0.24351640166758046 | 0 | 0.24620604756535322 | 0 | 0.24893707263078405 | 0.24620604756535322 | 0.22431215829115161 | 0.20038562638480795 | 0.21806725986208111 | 0.14944610562908586 | 0.10111881804711491 Rendement moyen des prêts productifs | 0.24893707263078405 | 0.275055576651539 | 0.24347502249992242 | 0.24351640166758046 | 0 | 0.24620604756535322 | 0 | 0.24893707263078405 | 0.24620604756535322 | 0.22431215829115161 | 0.20038562638480795 | 0.21806725986208111 | 0.14944610562908586 | 0.10111881804711491 Rémunération moyenne des dépôts | 0.000958769968284591 | 0.0006440329995095619 | 0.0009736366402376819 | 0.0007149525503097407 | 0 | 0.0007520183376779264 | 0 | 0.0008100803046122625 | 0.001029597759260233 | 0.0006551992381658337 | 0.0007300827203178639 | 0.0005553250957889135 | 0.0007479361910118877 | 0.000495299702696508 Dépenses d'exploitation en % du produit net bancaire | 1.0752278757505664 | 0.9215192249180815 | 0.7898476272232208 | 1.063903154805576 | 0 | 1.3384574740353021 | 0 | 0.7862946915962031 | 0.9423809074901971 | 0.983825965267727 | 0.9954206864714064 | 0.8148668377746718 | 0.8389449896326516 | 0.730726127728492 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 16305.142857142857 | 14299.918367346938 | 14910.8 | 11126.530612244898 | 0 | 10308.595744680852 | 0 | 16126.044444444444 | 15252.952380952382 | 12978.083333333334 | 13348.217391304348 | 14206.88 | 14047.6 | 13604.16393442623 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 4883 | 0.04669260700389105 | 5111 | 0 | 0 | 0 | 0 | -0.6342493201660226 | 13974 | -0.7877936553734947 | 65851 | -0.20679603464267216 | 83019 | 0.7823650650521705 | 46578 Avoirs à la BRH | 5087154 | -0.1788276902959887 | 4177430 | 0 | 0 | 0 | 0 | 0.05446667198431362 | 3961652 | -0.04769949467390818 | 4160086 | 0.7447119753967145 | 2384397 | -0.4278064253550897 | 4167116 Avoirs à l'étranger | 802755 | 0.7286731319020124 | 1387701 | 0 | 0 | 0 | 0 | 0.19253439802278507 | 1163657 | -0.067155725897025 | 1247429 | 0.6604026988570189 | 751281 | -0.27313371175583334 | 1033589 Avoirs dans les banques locales | 0 | 0 | 120 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 33942 | 0 | 0 | 0 | 0 | -0.729401353710746 | 125433 | 0.8844819038175508 | 66561 | 0.3598030603280966 | 48949 | -0.37389357892044 | 78180 5894792 | -0.049278753177380986 | 5604304 | 0 | 0 | 0 | 0 | 0.06450262464300069 | 5264716 | -0.04967773041052707 | 5539927 | 0.6953877500806391 | 3267646 | -0.38641090924864185 | 5325463 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 | 0 | 0 | 0 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 | -0.4302169231147179 | 610585 Immobilisations | 265418 | -0.00968283989782155 | 262848 | 0 | 0 | 0 | 0 | -0.007607706625689508 | 264863 | -0.03324086578822499 | 273970 | -0.058227830696197094 | 290909 | 0.018649569477174763 | 285583 Autres actifs | 36979 | 0.06533437897184889 | 39395 | 0 | 0 | 0 | 0 | 0.41069254458210985 | 27926 | -0.144738453999755 | 32652 | -0.1781938991241317 | 39732 | 0.33127827106718044 | 29845 6293856 | -0.04617868600743328 | 6003214 | 0 | 0 | 0 | 0 | 0.061731761962671106 | 5654172 | -0.0609448825959384 | 6021129 | 0.5258089579107736 | 3946188 | -0.36875899387600625 | 6251476 PASSIF Dépôts À vue | 3888333 | -0.10423181347893815 | 3483045 | 0 | 0 | 0 | 0 | 0.04028506369460994 | 3348164 | -0.15608382590872188 | 3967413 | 0.5555657933481097 | 2550463 | -0.3659919145084682 | 4022761 Épargne | 913926 | 0.011996594910310025 | 924890 | 0 | 0 | 0 | 0 | 0.2575701127732651 | 735458 | 0.2795959342888659 | 574758 | 0.4347428856714928 | 400600 | -0.23595839921269005 | 524317 À terme | 4425 | 0.00022598870056497175 | 4426 | 0 | 0 | 0 | 0 | 0.0004520795660036166 | 4424 | 0.0006785795068988917 | 4421 | 0.03852478271082922 | 4257 | -0.7020159596808064 | 14286 4806684 | -0.08203638932786095 | 4412361 | 0 | 0 | 0 | 0 | 0.07933252218786188 | 4088046 | -0.10085488207430972 | 4546592 | 0.5384432142712126 | 2955320 | -0.3520973112428651 | 4561364 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 | 929584 | -0.19451656353095048 | 1033014 | 0 | 0 | 0 | 0 | 0.0205137273536452 | 1012249 | 0.11901537604370603 | 904589 | 0.9166239379621586 | 471970 | -0.5900308625621399 | 1151233 929584 | -0.19451656353095048 | 1033014 | 0 | 0 | 0 | 0 | 0.0205137273536452 | 1012249 | 0.11901537604370603 | 904589 | 0.9166239379621586 | 471970 | -0.5900308625621399 | 1151233 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 | 92421 | -0.13367091894699257 | 80067 | 0 | 0 | 0 | 0 | -0.03189649960703706 | 82705 | -0.09466574715663416 | 91353 | 0.1637176596476478 | 78501 | -0.22009060742742464 | 100654 92421 | -0.13367091894699257 | 80067 | 0 | 0 | 0 | 0 | -0.03189649960703706 | 82705 | -0.09466574715663416 | 91353 | 0.1637176596476478 | 78501 | -0.22009060742742464 | 100654 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 5828689 | -0.0520266221100491 | 5525442 | 0 | 0 | 0 | 0 | 0.06607022959675864 | 5183000 | -0.06486816319033857 | 5542534 | 0.5809653228044683 | 3505791 | -0.3969310803885812 | 5813251 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0 | 103837 | 0 | 0 | 0 | 0 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 Réserves | 59288 | 0 | 59288 | 0 | 0 | 0 | 0 | 0 | 59288 | 0 | 59288 | 0 | 59288 | 0 | 59288 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 302042 | 0.041732606723568245 | 314647 | 0 | 0 | 0 | 0 | 0.021425301983138936 | 308047 | -0.02352997115415095 | 315470 | 0.13776364003577715 | 277272 | 0.007895310796074155 | 275100 465167 | 0.027097794985456836 | 477772 | 0 | 0 | 0 | 0 | 0.014007623542994915 | 471172 | -0.0155099823441532 | 478595 | 0.08673537739812033 | 440397 | 0.004956358035255862 | 438225 6293856 | -0.04617868600743328 | 6003214 | 0 | 0 | 0 | 0 | 0.061731761962671106 | 5654172 | -0.0609448825959384 | 6021129 | 0.5258089579107736 | 3946188 | -0.36875899387600625 | 6251476 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 | 34161.95 | 0 | 0 | 0 | 15890.1345 | 523955.56958 | 614449.38489 | 1660053.0692000003 Portefeuille brut | 96667 | 0 | 96667 | 0 | 0 | 0 | 0 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 | -0.4302169231147179 | 610585 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. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 4883 | 0.0007758359898923649 | 5111 | 0.0008513772789042669 | 0 | 0 | 0 | 0 | 13974 | 0.002471449400548834 | 65851 | 0.010936653242273999 | 83019 | 0.021037771135080235 | 46578 | 0.007450720437861395 Avoirs à la BRH | 5087154 | 0.8082730205457512 | 4177430 | 0.6958655813369305 | 0 | 0 | 0 | 0 | 3961652 | 0.7006599728483676 | 4160086 | 0.6909146108645073 | 2384397 | 0.6042279283196847 | 4167116 | 0.6665811401979309 Avoirs à l'étranger | 802755 | 0.12754581611018745 | 1387701 | 0.23115967546717475 | 0 | 0 | 0 | 0 | 1163657 | 0.20580502326423744 | 1247429 | 0.2071752656353983 | 751281 | 0.1903814516693072 | 1033589 | 0.16533519444048095 Avoirs dans les banques locales | 0 | 0 | 120 | 1.9989292402369798e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 33942 | 0.0056539713560102975 | 0 | 0 | 0 | 0 | 125433 | 0.022184150040005856 | 66561 | 0.011054571327071718 | 48949 | 0.01240412266217423 | 78180 | 0.012505846619262396 5894792 | 0.9365946726458311 | 5604304 | 0.9335505947314222 | 0 | 0 | 0 | 0 | 5264716 | 0.9311205955531597 | 5539927 | 0.9200811010692513 | 3267646 | 0.8280512737862463 | 5325463 | 0.8518729016955355 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 | 0.01535894688407234 | 96667 | 0.016102541072165678 | 0 | 0 | 0 | 0 | 96667 | 0.017096579304626745 | 174580 | 0.02899456231547273 | 347901 | 0.08816128375029268 | 610585 | 0.09767053412666064 Immobilisations | 265418 | 0.04217096800435218 | 262848 | 0.043784546078150806 | 0 | 0 | 0 | 0 | 264863 | 0.04684381727333374 | 273970 | 0.04550143336905753 | 290909 | 0.07371899159391292 | 285583 | 0.04568249162277836 Autres actifs | 36979 | 0.00587541246574437 | 39395 | 0.006562318118261318 | 0 | 0 | 0 | 0 | 27926 | 0.004939007868879829 | 32652 | 0.005422903246218442 | 39732 | 0.01006845086954803 | 29845 | 0.004774072555025405 6293856 | 1 | 6003214 | 1 | 0 | 0 | 0 | 0 | 5654172 | 1 | 6021129 | 1 | 3946188 | 1 | 6251476 | 1 PASSIF Dépôts À vue | 3888333 | 0.6177982146398011 | 3483045 | 0.5801967079634343 | 0 | 0 | 0 | 0 | 3348164 | 0.5921581444639463 | 3967413 | 0.6589151303684077 | 2550463 | 0.6463105660450035 | 4022761 | 0.6434897934503787 Épargne | 913926 | 0.14520923262305335 | 924890 | 0.15406580541689835 | 0 | 0 | 0 | 0 | 735458 | 0.1300735103212283 | 574758 | 0.09545684870727732 | 400600 | 0.101515690585446 | 524317 | 0.08387091304517526 À terme | 4425 | 0.0007030666097222434 | 4426 | 0.0007372717347740727 | 0 | 0 | 0 | 0 | 4424 | 0.0007824310968962387 | 4421 | 0.0007342476801277634 | 4257 | 0.0010787625931658602 | 14286 | 0.0022852203223686692 4806684 | 0.7637105138725767 | 4412361 | 0.7349997851151067 | 0 | 0 | 0 | 0 | 4088046 | 0.7230140858820708 | 4546592 | 0.7551062267558127 | 2955320 | 0.7489050192236153 | 4561364 | 0.7296459268179227 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 | 929584 | 0.14769705566825805 | 1033014 | 0.17207682418118028 | 0 | 0 | 0 | 0 | 1012249 | 0.1790269202988519 | 904589 | 0.15023577804096208 | 471970 | 0.119601498965584 | 1151233 | 0.1841537902408967 929584 | 0.14769705566825805 | 1033014 | 0.17207682418118028 | 0 | 0 | 0 | 0 | 1012249 | 0.1790269202988519 | 904589 | 0.15023577804096208 | 471970 | 0.119601498965584 | 1151233 | 0.1841537902408967 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 | 92421 | 0.01468432070895807 | 80067 | 0.013337355623171189 | 0 | 0 | 0 | 0 | 82705 | 0.014627252230742184 | 91353 | 0.015172071550036546 | 78501 | 0.01989286876347503 | 100654 | 0.0161008376261862 92421 | 0.01468432070895807 | 80067 | 0.013337355623171189 | 0 | 0 | 0 | 0 | 82705 | 0.014627252230742184 | 91353 | 0.015172071550036546 | 78501 | 0.01989286876347503 | 100654 | 0.0161008376261862 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 5828689 | 0.9260918902497928 | 5525442 | 0.9204139649194581 | 0 | 0 | 0 | 0 | 5183000 | 0.9166682584116649 | 5542534 | 0.9205140763468114 | 3505791 | 0.8883993869526743 | 5813251 | 0.9299005546850055 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0.016498153119486686 | 103837 | 0.01729690129320727 | 0 | 0 | 0 | 0 | 103837 | 0.01836466948653136 | 103837 | 0.017245436860761496 | 103837 | 0.02631324204523454 | 103837 | 0.016609997383018025 Réserves | 59288 | 0.009419980374511269 | 59288 | 0.00987604306626417 | 0 | 0 | 0 | 0 | 59288 | 0.01048570860596388 | 59288 | 0.00984665832603819 | 59288 | 0.015024119479355773 | 59288 | 0.009483840296275631 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 | 302042 | 0.04798997625620923 | 314647 | 0.052413090721070414 | 0 | 0 | 0 | 0 | 308047 | 0.05448136349583989 | 315470 | 0.052393828466388945 | 277272 | 0.07026325152273535 | 275100 | 0.04400560763570075 465167 | 0.07390810975020719 | 477772 | 0.07958603508054185 | 0 | 0 | 0 | 0 | 471172 | 0.08333174158833513 | 478595 | 0.07948592365318863 | 440397 | 0.11160061304732567 | 438225 | 0.07009944531499442 6293856 | 1 | 6003214 | 1 | 0 | 0 | 0 | 0 | 5654172 | 1 | 6021129 | 1 | 3946188 | 1 | 6251476 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 4244 | 867 | 5111 | 0.8303658775190765 | 5173 | 8801 | 13974 | 0.3701874910548161 Avoirs à la BRH | 3292167 | 885263 | 4177430 | 0.7880843006346007 | 2485209 | 1476443 | 3961652 | 0.627316331671737 Avoirs à l'étranger | 1387701 | 0 | 1387701 | 1 | 1163657 | 0 | 1163657 | 1 Avoirs dans les banques locales | 0 | 120 | 120 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 33942 | 0 | 33942 | 1 | 18565 | 106868 | 125433 | 0.1480073027034353 4718054 | 886250 | 5604304 | 0.8418626113073095 | 3672604 | 1592112 | 5264716 | 0.6975882459756614 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 | 0 | 96667 | 96667 | 0 Immobilisations | 0 | 262848 | 262848 | 0 | 0 | 264863 | 264863 | 0 Autres actifs | 3208 | 36187 | 39395 | 0.08143165376316791 | 244 | 27682 | 27926 | 0.008737377354436726 4721262 | 1281952 | 6003214 | 0.7864557218849769 | 3672848 | 1981324 | 5654172 | 0.6495819370192488 PASSIF Dépôts À vue | 2907163 | 575882 | 3483045 | 0.8346613379959202 | 2051942 | 1296222 | 3348164 | 0.6128558816115339 Épargne | 924886 | 4 | 924890 | 0.9999956751613706 | 735454 | 4 | 735458 | 0.999994561212197 À terme | 0 | 4426 | 4426 | 0 | 0 | 4424 | 4424 | 0 3832049 | 580312 | 4412361 | 0.8684803895238853 | 2787396 | 1300650 | 4088046 | 0.6818406642195318 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 | 835369 | 197645 | 1033014 | 0.8086715184886168 | 798860 | 213389 | 1012249 | 0.7891931728260537 835369 | 197645 | 1033014 | 0.8086715184886168 | 798860 | 213389 | 1012249 | 0.7891931728260537 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 | 53880 | 26187 | 80067 | 0.6729364157518078 | 86531 | -3826 | 82705 | 1.0462608064808658 53880 | 26187 | 80067 | 0.6729364157518078 | 86531 | -3826 | 82705 | 1.0462608064808658 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 4721298 | 804144 | 5525442 | 0.854465217443238 | 2442401 | 1063390 | 5183000 | 0.4712330696507814 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 | 314647 | 314647 | 0 | 0 | 308047 | 308047 | 0 0 | 477772 | 477772 | 0 | 0 | 471172 | 471172 | 0 0 4721298 | 1281916 | 6003214 | 0.7864617186726977 | 3672787 | 1981385 | 5654172 | 0.649571148525372 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes [CBNARÉSULT ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 6016 | -0.021941489361702128 | 5884 | 0 | 0 | 0 | 0 | 9326 | -0.3689684752305383 | 5885 | 0.011045029736618521 | 5950 | 0.011092436974789916 | 6016 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7589 | 0.6023191461325603 | 12160 | 0 | 0 | 0 | 0 | 329 | -0.5440729483282675 | 150 | 4.773333333333333 | 866 | 5.488452655889145 | 5619 13605 | 0.32627710400588017 | 18044 | 0 | 0 | 0 | 0 | 9655 | -0.3749352667011911 | 6035 | 0.12941176470588237 | 6816 | 0.7070129107981221 | 11635 Dépenses d'intérêt | 1066 | 0.0525328330206379 | 1122 | 0 | 0 | 0 | 0 | 695 | 0.07050359712230216 | 744 | 0.11827956989247312 | 832 | 0.05889423076923077 | 881 12539 | 0.34954940585373634 | 16922 | 0 | 0 | 0 | 0 | 8960 | -0.4094866071428571 | 5291 | 0.13097713097713098 | 5984 | 0.7971256684491979 | 10754 AUTRES REVENUS Commissions | 16422 | 0.17494824016563146 | 19295 | 0 | 0 | 0 | 0 | 18353 | -0.10314390017980711 | 16460 | 0.02970838396111786 | 16949 | -0.0020650185851672667 | 16914 Gains sur change | 33032 | -0.5359348510535239 | 15329 | 0 | 0 | 0 | 0 | 48811 | -0.2729302821085411 | 35489 | -0.17825241624165233 | 29163 | 0.7883276754792031 | 52153 Autres | 23609 | -0.025456393748146892 | 23008 | 0 | 0 | 0 | 0 | 11463 | -0.048242170461484775 | 10910 | -0.223923006416132 | 8467 | 0.2859336246604464 | 10888 73063 | -0.21120129203564048 | 57632 | 0 | 0 | 0 | 0 | 78627 | -0.20054179861879506 | 62859 | -0.13172338090010977 | 54579 | 0.46494072811887355 | 79955 PRODUIT NET BANCAIRE | 85602 | -0.12906240508399336 | 74554 | 0 | 0 | 0 | 0 | 87587 | -0.22191649445693995 | 68150 | -0.11132795304475422 | 60563 | 0.497762660370193 | 90709 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 | 85602 | -0.12906240508399336 | 74554 | 0 | 0 | 0 | 0 | 87587 | -0.22191649445693995 | 68150 | -0.11132795304475422 | 60563 | 0.497762660370193 | 90709 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 31571 | -0.3651769028538849 | 20042 | 0 | 0 | 0 | 0 | 31077 | 0.18016539563020884 | 36676 | 0.05330461337114189 | 38631 | -0.13882633118479978 | 33268 Frais de locaux | 6341 | -0.536666140987226 | 2938 | 0 | 0 | 0 | 0 | 3903 | -0.24109659236484754 | 2962 | 0.3544902093180284 | 4012 | -0.5830009970089731 | 1673 Amortissement | 5300 | 0.2169811320754717 | 6450 | 0 | 0 | 0 | 0 | 5887 | -0.052828265670120604 | 5576 | -0.043938307030129124 | 5331 | -0.0022509848058525606 | 5319 Autres dépenses d'exploitation | 48829.65662 | -0.3967538983689048 | 29456.300000000003 | 0 | 0 | 0 | 0 | 39846.1043529 | -0.3150898828579271 | 27291 | 0.21237770693635263 | 33087 | -0.061141681627225414 | 31064.005179999993 92041.65662 | -0.3602212067616737 | 58886.3 | 0 | 0 | 0 | 0 | 80713.1043529 | -0.10169481670549928 | 72505 | 0.1180056547824288 | 81061 | -0.1201193523395962 | 71324.00518 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -6439.656619999994 | 3.4330023981930906 | 15667.699999999997 | 0 | 0 | 0 | 0 | 6873.895647099998 | -1.633556315600647 | -4355 | -3.7067738231917335 | -20498 | 1.945701767001659 | 19384.994820000007 Impôts sur le revenu | 0 | 0 | 2866 | 0 | 0 | 0 | 0 | 2136 | -1.6334269662921348 | -1353 | -3.171470805617147 | -5644 | 1.0772501771793055 | 436 BÉNÉFICE NET | -6439.656619999994 | 2.9879476120265567 | 12801.699999999997 | 0 | 0 | 0 | 0 | 4737.895647099998 | -1.633614630545416 | -3002 | -3.948034643570953 | -14854 | 2.275682968897267 | 18948.994820000007 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 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 | 6016 | -0.3549217242118808 | 9326 | 5884 | -0.0001699235344095157 | 5885 | 0 | 0 | 5950 | 0 | 0 | 6016 | 11900 | -0.21767142199723885 | 15211 | 27177 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7589 | 22.066869300911854 | 329 | 12160 | 80.06666666666666 | 150 | 0 | 0 | 866 | 0 | 0 | 5619 | 19749 | 40.22964509394572 | 479 | 6964 13605 | 0.40911444847229417 | 9655 | 18044 | 1.9898922949461475 | 6035 | 0 | 0 | 6816 | 0 | 0 | 11635 | 31649 | 1.017144678138942 | 15690 | 34141 Dépenses d'intérêt | 1066 | 0.5338129496402878 | 695 | 1122 | 0.5080645161290323 | 744 | 0 | 0 | 832 | 0 | 0 | 881 | 2188 | 0.5205003474635164 | 1439 | 3152 12539 | 0.39944196428571427 | 8960 | 16922 | 2.198261198261198 | 5291 | 0 | 0 | 5984 | 0 | 0 | 10754 | 29461 | 1.0672935232615255 | 14251 | 30989 AUTRES REVENUS Commissions | 16422 | -0.10521440636408216 | 18353 | 19295 | 0.17223572296476305 | 16460 | 0 | 0 | 16949 | 0 | 0 | 16914 | 35717 | 0.025967311061959614 | 34813 | 68676 Gains sur change | 33032 | -0.3232672963061605 | 48811 | 15329 | -0.5680633435712474 | 35489 | 0 | 0 | 29163 | 0 | 0 | 52153 | 48361 | -0.4263226571767497 | 84300 | 165616 Autres | 23609 | 1.0595830061938412 | 11463 | 23008 | 1.108890925756187 | 10910 | 0 | 0 | 8467 | 0 | 0 | 10888 | 46617 | 1.083627586823403 | 22373 | 41728 73063 | -0.07076449565670825 | 78627 | 57632 | -0.08315436134841471 | 62859 | 0 | 0 | 54579 | 0 | 0 | 79955 | 130695 | -0.07626903015139307 | 141486 | 276020 PRODUIT NET BANCAIRE | 85602 | -0.022663180608994485 | 87587 | 74554 | 0.09396918561995599 | 68150 | 0 | 0 | 60563 | 0 | 0 | 90709 | 160156 | 0.028374760012071634 | 155737 | 307009 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 | 85602 | -0.022663180608994485 | 87587 | 74554 | 0.09396918561995599 | 68150 | 0 | 0 | 60563 | 0 | 0 | 90709 | 160156 | 0.028374760012071634 | 155737 | 307009 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 31571 | 0.015896000257425106 | 31077 | 20042 | -0.4535390991384011 | 36676 | 0 | 0 | 38631 | 0 | 0 | 33268 | 51613 | -0.7511487186904848 | 207405 | 139652 Frais de locaux | 6341 | 0.6246477068921342 | 3903 | 2938 | -0.008102633355840648 | 2962 | 0 | 0 | 4012 | 0 | 0 | 1673 | 9279 | -0.5220705639969097 | 19415 | 12550 Amortissement | 5300 | -0.09971122812977748 | 5887 | 6450 | 0.1567431850789096 | 5576 | 0 | 0 | 5331 | 0 | 0 | 5319 | 11750 | -0.6500476530855372 | 33576 | 22113 Autres dépenses d'exploitation | 48829.65662 | 0.22545622496835568 | 39846.1043529 | 29456.300000000003 | 0.07934117474625345 | 27291 | 0 | 0 | 33087 | 0 | 0 | 31064.005179999993 | 78285.95662000001 | -0.6054636651919848 | 198425.21388579998 | 131288.10953289998 92041.65662 | 0.1403557991967256 | 80713.1043529 | 58886.3 | -0.18783118405627194 | 72505 | 0 | 0 | 81061 | 0 | 0 | 71324.00518 | 150927.95662 | -0.6710527934360816 | 458821.2138858 | 305603.1095329 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -6439.656619999994 | -1.936827812147075 | 6873.895647099998 | 15667.699999999997 | 4.597634902411021 | -4355 | 0 | 0 | -20498 | 0 | 0 | 19384.994820000007 | 9228.043379999988 | 1.0304471264329096 | -303084.2138858 | 1405.89046710002 Impôts sur le revenu | 0 | -1 | 2136 | 2866 | 3.1182557280118255 | -1353 | 0 | 0 | -5644 | 0 | 0 | 436 | 2866 | 1.786930258099945 | -3642 | -4425 BÉNÉFICE NET | -6439.656619999994 | -2.3591807628649697 | 4737.895647099998 | 12801.699999999997 | 5.264390406395735 | -3002 | 0 | 0 | -14854 | 0 | 0 | 18948.994820000007 | 6362.043379999988 | 1.0212463142635804 | -299442.2138858 | 5830.89046710002 Profit et Pertc Cum ex en cours | 6362.043380000003 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 11900 | -0.21767142199723885 | 15211 | 27177 | -0.5229427046763095 | 56968 | -0.20459083229778977 | 71621 | 0.21680258239891267 | 58860 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 19749 | 40.22964509394572 | 479 | 6964 | 7.023041474654378 | 868 | -0.8984914045140919 | 8551 | -0.7036767508750044 | 28857 31649 | 1.017144678138942 | 15690 | 34141 | -0.4096929248219102 | 57836 | -0.2786010078331587 | 80172 | -0.0860152535996443 | 87717 Dépenses d'intérêt | 2188 | 0.5205003474635164 | 1439 | 3152 | 0.5132021123379741 | 2083 | -0.2589825684809676 | 2811 | 0.16978776529338327 | 2403 29461 | 1.0672935232615255 | 14251 | 30989 | -0.4441734077090022 | 55753 | -0.2793138661599514 | 77361 | -0.09322033898305085 | 85314 AUTRES REVENUS Commissions | 35717 | 0.025967311061959614 | 34813 | 68676 | 0.1163380419057527 | 61519 | -0.3572958346827694 | 95719 | 0.21329158850073518 | 78892 Gains sur change | 48361 | -0.4263226571767497 | 84300 | 165616 | -0.20304507461106486 | 207811 | 0.3866916676119871 | 149861 | -0.07951181160399494 | 162806 Autres | 46617 | 1.083627586823403 | 22373 | 41728 | 0.38681910332679714 | 30089 | -0.5251704330261331 | 63368 | -0.27921287607348005 | 87915 130695 | -0.07626903015139307 | 141486 | 276020 | -0.07814801331912805 | 299419 | -0.03084337817367324 | 308948 | -0.06269473594791468 | 329613 PRODUIT NET BANCAIRE | 160156 | 0.028374760012071634 | 155737 | 307009 | -0.13560472109287894 | 355172 | -0.0806012803222291 | 386309 | -0.06897116842239719 | 414927 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 | 160156 | 0.028374760012071634 | 155737 | 307009 | -0.13560472109287894 | 355172 | -0.0806012803222291 | 386309 | -0.06897116842239719 | 414927 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 51613 | -0.7511487186904848 | 207405 | 139652 | 0.18516884064735686 | 117833 | 0.1395069966249867 | 103407 | -0.02111002773649384 | 105637 Frais de locaux | 9279 | -0.5220705639969097 | 19415 | 12550 | -0.4064229295748002 | 21143 | -0.3318480596637593 | 31644 | 0.22674937003295212 | 25795 Amortissement | 11750 | -0.6500476530855372 | 33576 | 22113 | -0.056169704212727815 | 23429 | 0.16417391304347825 | 20125 | 0.1053440984236832 | 18207 Autres dépenses d'exploitation | 78285.95662000001 | -0.6054636651919848 | 198425.21388579998 | 131288.10953289998 | 0.03365977430887121 | 127012.88450610574 | -0.2480707303860751 | 168916 | 0.1000071633704309 | 153559 150927.95662 | -0.6710527934360816 | 458821.2138858 | 305603.1095329 | 0.05592337548322032 | 289417.88450610574 | -0.1069884955318066 | 324092 | 0.06891206406374713 | 303198 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 9228.043379999988 | 1.0304471264329096 | -303084.2138858 | 1405.89046710002 | -0.9786189737852901 | 65754.11549389426 | 0.05685127045492813 | 62217 | -0.44314367800660526 | 111729 Impôts sur le revenu | 2866 | 1.786930258099945 | -3642 | -4425 | -1.216688702805935 | 20421 | 0.05687816996170169 | 19322 | -0.4432662940125627 | 34706 BÉNÉFICE NET | 6362.043379999988 | 1.0212463142635804 | -299442.2138858 | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426 | 0.056839153605181575 | 42895 | -0.4430884281318567 | 77023 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 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 2023 | (1er octobre au 31 décembre 2018) et deuxième trimestre de l'exercice fiscal 2014-2015 (1er octobre au 31 décembre 2017). | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) 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 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 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.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 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. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | 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) Mars 2023 | Septembre 22 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 153,6019 Gdes | *Converties au taux de 117,7047 Gdes [SCOTIARÉSULT ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [SCOTIAVARAN ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 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.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 178646567.28389004 | 0.01717832197504925 | 181715415.53643 | 0 | 0 | 0 | 0 | 0.15761035610025245 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001 | -0.07272126134615294 | 105301379.00716 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4950000 | 0.2222222222222222 | 4050000 | 0 | 0 Prêts nets | 44646771.153790005 | -0.05501298744537556 | 42190618.89283 | 0 | 0 | 0 | 0 | 0.05560369105237408 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563 | -0.10368021442179343 | 32111842.915229995 Dépôts | 148227669.30697447 | 0.01581818523338578 | 150572362.03678524 | 0 | 0 | 0 | 0 | 0.16422863754894998 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 | 0.4628523334855173 | 76115867.49719225 | -0.11777379177081918 | 86277041.85978933 Avoir des Actionnaires | 10850743.72822 | 0.011824339917486177 | 10979046.610420005 | 0 | 0 | 0 | 0 | 0.13456459740111978 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 | 0.20758874202197272 | 8090768.963580007 | 0.07577613585339829 | 7520866.743490003 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 1439065.6457600002 | 0.417648100916213 | 1015107.8006099999 | 1317069.7804999999 | 0.2624771025751097 | 1043242.5093600003 | 0 | 0 | 1165495.3821799997 | 0 | 0 | 1597193.9382399998 | 2756135.42626 | 0.3390021187890849 | 2058350.3099700003 Autres revenus | 1114753.2417799998 | 0.5156937249843806 | 735473.94398 | 954200.1720400001 | 0.06851192200648311 | 893017.80578 | 0 | 0 | 1049234.46659 | 0 | 0 | 850752.41736 | 2068953.41382 | 0.27047214953647336 | 1628491.74976 Dot. à la prov. pr créances douteuses | 569231.02598 | 0.8265924415885592 | 311635.48749 | 410080.80794999993 | 0.31192760134553127 | 312578.84012 | 0 | 0 | 405439.48321000003 | 0 | 0 | 786179.80375 | 979311.83393 | 0.5688711242492653 | 624214.32761 Dépenses d'exploitation | 1254483.1246800001 | 0.2767973448217492 | 982523.2874799999 | 1433571.6948699998 | 0.24123433540796174 | 1154956.52511 | 0 | 0 | 1158666.93136 | 0 | 0 | 1178648.4996599997 | 2688054.8195499997 | 0.2575813833267803 | 2137479.81259 Bénéfice (perte) net | 563104.73688 | 0.6737999118075801 | 336422.9696199999 | 269617.4497200004 | -0.2546340809858895 | 361724.9499100002 | 0 | 0 | 488623.4342 | 0 | 0 | 371118.0521900002 | 832722.1866000011 | 0.1927589602509991 | 698147.9195300001 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.06073860748175987 | 0.07587786215211584 | 0.06041890600205542 | 0.06574781130116394 | 0 | 0.0616934436809952 | 0 | 0.06164616052046577 | 0.06041890600205542 | 0.06574781130116394 | 0.06164616052046577 | 0.07148661419540324 | 0.0828600973304912 | 0.07142230058524324 Dépôts en % de l'actif | 0.8297258187526412 | 0.807347238458576 | 0.8286163372121764 | 0.8196373617615267 | 0 | 0.8295599138945747 | 0 | 0.823905908387642 | 0.8286163372121764 | 0.8196373617615267 | 0.823905908387642 | 0.8146884569724315 | 0.7795264229645499 | 0.8193343968830921 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.09221697164260782 | 0.024104693348327433 | 0.10715723510460648 | 0.03850415445078194 | 0 | 0.03481482475688844 | 0 | 0.04079652422411654 | 0.10715723510460648 | 0.03850415445078194 | 0.04079652422411654 | 0.022182784323064426 | 0.024323463171792417 | 0.01752335009540226 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.7261437399763181 | 1.979905757227218 | 0.6779607864836891 | 1.3091563751028727 | 0 | 1.6013322115235527 | 0 | 1.623604489028084 | 0.6779607864836891 | 1.3091563751028727 | 1.623604489028084 | 2.3057497200171206 | 1.8597512318566836 | 2.15392953028409 Prêts improductifs nets en % de l'avoir des actionnaires | 0.11136920219184251 | -0.08747310755687124 | 0.1430003498190759 | -0.05060206003365272 | 0 | -0.08984148955485266 | 0 | -0.11253186734818964 | 0.1430003498190759 | -0.05060206003365272 | -0.11253186734818964 | -0.11022049368770048 | -0.07791846873366302 | -0.0897228710206966 Rentabilité ROA (rendement de l'actif) | 0.013422389336919917 | 0.009808128943864911 | 0.0059854804351975 | 0.010347570271476382 | 0 | 0.013180898654507753 | 0 | 0.009527779067045439 | 0.009834623560348374 | 0.010023540746351303 | 0.010610589707617024 | 0.014460481781901971 | 0.006944139450366293 | 0.011202453549889885 ROE (rendement avoir des action.) | 0.2194524671932197 | 0.13309861416631294 | 0.098807160504061 | 0.1462827642456745 | 0 | 0.2071368074083345 | 0 | 0.15449711479319964 | 0.16125582966561164 | 0.14619444466520565 | 0.16021732726987387 | 0.18970505628022494 | 0.09027107495292935 | 0.14928250147899153 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8621946593657374 | 0.8431528894548621 | 0.8386410207466267 | 0.8513628043831508 | 0 | 0.8620560404589264 | 0 | 0.8903138384564633 | 0.8507762529410452 | 0.8472940697372164 | 0.8647163500819798 | 0.8423585141703387 | 0.7572600983235017 | 0.7761248646118251 Rendement moyen des prêts | 0.11554462354216807 | 0.10279429023144279 | 0.10461532673406028 | 0.10208362829775754 | 0 | 0.10886985041497797 | 0 | 0.1409974986077111 | 0.11461106693417886 | 0.10280460941199457 | 0.11372415049100124 | 0.11293254586404694 | 0.10474456280882675 | 0.122047295499413 Rendement moyen des prêts productifs | 0.12396670809013541 | 0.10523177675496481 | 0.11617453341410951 | 0.10539222286486251 | 0 | 0.11300942902165849 | 0 | 0.1465475836032492 | 0.12390232969052152 | 0.1060505826706715 | 0.11750112390798706 | 0.11560786424484201 | 0.10696415029108244 | 0.12377708562221774 Rémunération moyenne des dépôts | 0.006629404054079213 | 0.0067882845377061915 | 0.0067847706264383524 | 0.006404058827119816 | 0 | 0.006099495797004544 | 0 | 0.0061107130587003825 | 0.006908328833656071 | 0.006517503607369406 | 0.006267652596267851 | 0.007707438933025915 | 0.011920106321050889 | 0.012177762779105613 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.4912185162387916 | 0.5612553029964988 | 0.6311762691470523 | 0.5964882490640168 | 0 | 0.5231640021483848 | 0 | 0.4814846113615545 | 0.5570995495920095 | 0.5797589855928179 | 0.5359345416190119 | 0.555873771274293 | 0.7507729451108703 | 0.6857698436593007 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8716.105418225256 | 5992.577645151903 | 7886.354001875 | 6577.5297329596615 | 0 | 7460.142648488421 | 0 | 8284.082421658206 | 8311.953212885444 | 6233.038139864751 | 7090.885999235667 | 5891.257228819139 | 4177.999999988923 | 4207.422749826219 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 3149037.60915 | 0.21655810170018094 | 3830987.2159700003 | 0 | 0 | 0 | 0 | -0.2551449147487445 | 5143265.169060001 | -0.04916342330314842 | 5409199.95624 | 0.28377434380106764 | 4213513.0541900005 | 0.019266344325368185 | 4133868.5198899996 Avoirs à la BRH | 69715995.11055 | 0.006402230526039765 | 70162332.9826 | 0 | 0 | 0 | 0 | 0.21274176336748676 | 57854305.92229 | 0.17796304026973528 | 49113854.972090006 | 0.534075530633822 | 32015278.25152 | -0.1783833107833306 | 38966197.58544999 Avoirs à l'étranger | 6790167.11623 | 0.5475947242701196 | 10508426.80599 | 0 | 0 | 0 | 0 | 0.6013941129332031 | 6562049.10529 | 0 | 10248018.089629998 | 0 | 7111476.047150001 | 0 | 4759170.6993 Avoirs dans les banques locales | 14686.435 | 0 | 32839.61 | 0 | 0 | 0 | 0 | 1.7283502133314395 | 12036.435 | 2.765639933862785 | 3196.385 | -0.8402271640088556 | 20005.81 | 2.5775768955650933 | 5592 Autres liquidités | 127096.78302 | 0.5900467412160942 | 202089.82566000003 | 0 | 0 | 0 | 0 | -0.5354466982071074 | 435019.67348 | 2.1510066019616536 | 138057.36656 | 0.9147039539038715 | 72103.76637 | -0.805714323896683 | 371122.39983999997 79796983.05395001 | 0.06190325996322825 | 84736676.44022 | 0 | 0 | 0 | 0 | 0.2104085054816793 | 70006676.30512 | 0.07848046417575176 | 64912326.76952 | 0.4945607714560513 | 43432376.929230005 | -0.09958493935129133 | 48235951.20447999 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4950000 | 0.2222222222222222 | 4050000 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 41488034.135520004 | 0.05482951885306259 | 43762803.08533 | 0 | 0 | 0 | 0 | 0.5030850669757088 | 29115320.248230003 | 0.3220581945914348 | 22022722.121720005 | 0.6743422578825986 | 13153058.77161 | -0.3090861109197985 | 19037189.698299997 Portefeuille net | 44646771.153790005 | -0.05501298744537556 | 42190618.89283 | 0 | 0 | 0 | 0 | 0.05560369105237408 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563 | -0.10368021442179343 | 32111842.915229995 Immobilisations | 4046527.4907 | 0.010081636203821518 | 4087323.10875 | 0 | 0 | 0 | 0 | 0.0028979790216247213 | 4075512.3594299997 | -0.0050411459993011404 | 4096161.708640001 | -0.09138800347761133 | 4508152.79164 | 0.5400692803567159 | 2927240.25415 Autres actifs | 8668251.449930001 | -0.19960858895527014 | 6937994.009299999 | 0 | 0 | 0 | 0 | -0.08213601249304817 | 7558847.611119999 | 0.39589303363307704 | 5415062.206769999 | 0.45657762626258325 | 3717661.25549 | 0.24371648052094022 | 2989154.935 178646567.28389004 | 0.01717832197504925 | 181715415.53643 | 0 | 0 | 0 | 0 | 0.15761035610025245 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001 | -0.07272126134615294 | 105301379.00716 PASSIF Dépôts À vue | 68069469.33739519 | 0.001973695656223019 | 68203817.75334781 | 0 | 0 | 0 | 0 | 0.10845373268798757 | 61530595.04608671 | 0.14679247474448834 | 53654515.87899203 | 0.5612669443386832 | 34366010.2928259 | -0.045615118274118446 | 36008544.29994681 Épargne | 50518184.392547995 | 0.035255830415633786 | 52299244.934397385 | 0 | 0 | 0 | 0 | 0.21284411958374644 | 43121159.669180505 | 0.19570708622336286 | 36063313.63760547 | 0.39713927027378887 | 25812253.94268559 | -0.09570879423482571 | 28544183.309672147 À terme | 29640015.577031292 | 0.014483250553398056 | 30069299.349040058 | 0 | 0 | 0 | 0 | 0.21834038250100138 | 24680540.660824187 | 0.14111489811938238 | 21628444.86694462 | 0.35707010093208363 | 15937603.261680763 | -0.2663702486463629 | 21724314.25017037 148227669.30697447 | 0.01581818523338578 | 150572362.03678524 | 0 | 0 | 0 | 0 | 0.16422863754894998 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 | 0.4628523334855173 | 76115867.49719225 | -0.11777379177081918 | 86277041.85978933 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 | 9965495.178459998 | 0.07297852339660546 | 10692762.3015 | 0 | 0 | 0 | 0 | 0.2985200513295906 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999 | 0.046465525131935796 | 4715026.590960002 9965495.178459998 | 0.07297852339660546 | 10692762.3015 | 0 | 0 | 0 | 0 | 0.2985200513295906 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999 | 0.046465525131935796 | 4715026.590960002 Obligations à terme Banques locales | 4560984.69475 | -0.013596701149070353 | 4498970.34891 | 0 | 0 | 0 | 0 | -0.022416959064755156 | 4602136.24881 | -0.10249647121701491 | 5127708.24985 | 0.01859663166865685 | 5034091.11166 | 0.2575061347567958 | 4003233.8392 Banque à l'étranger | 0.6105499999999999 | 0 | 0.64513 | 0 | 0 | 0 | 0 | 0.30498017638967545 | 0.49436 | -0.9992275395675808 | 639.981 | 0.4903585031074781 | 429.41413 | -0.34911053743238524 | 659.73434 Autres | 1160634.9406399997 | -0.2310489810793808 | 892471.4202000002 | 0 | 0 | 0 | 0 | -0.2359807603235352 | 1168126.89243 | 0.08539296864931611 | 1076224.85696 | 0.5298770499108929 | 703471.46983 | -0.05310334265661505 | 742923.17369 5721620.24594 | -0.057707051063776854 | 5391442.414240001 | 0 | 0 | 0 | 0 | -0.0656505915991148 | 5770263.6356 | -0.06999828127793026 | 6204573.08781 | 0.0813143504811713 | 5737991.99562 | 0.20880840807018716 | 4746816.74723 Autres passifs | 3881038.8242900004 | 0.051213956177405956 | 4079802.1765599996 | 0 | 0 | 0 | 0 | 0.03010280577289612 | 3960577.67603 | 0.0710663277129354 | 3697789.3651900003 | 0.33736148892603396 | 2764988.6704599997 | 0.3543064337748882 | 2041627.0657100002 167795823.55566448 | 0.01752454447976937 | 170736368.92908525 | 0 | 0 | 0 | 0 | 0.15912437192239134 | 147297712.8812514 | 0.1607099495374973 | 126903119.02637212 | 0.41707340207627364 | 89552960.94079225 | -0.08414305808410409 | 97780512.26368931 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 1 | 1500000 Réserves | 2441227.9358599996 | 0.01568736550465091 | 2479524.37077 | 0 | 0 | 0 | 0 | 0.1631666278070299 | 2131701.77986 | 0.19234202733516198 | 1787827.4278599997 | 0.2203020077171425 | 1465069.6438699998 | -0.4093407650972297 | 2480397.4225700004 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 | 376690.93492 BNR | 5409515.792360001 | 0.016638540443328156 | 5499522.2396500055 | 0 | 0 | 0 | 0 | 0.20996817897902903 | 4545179.232969996 | -0.0877702705244162 | 4982494.086860002 | 0.3742160194515287 | 3625699.3197100074 | 0.14600293615824828 | 3163778.386000003 10850743.72822 | 0.011824339917486177 | 10979046.610420005 | 0 | 0 | 0 | 0 | 0.13456459740111978 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 | 0.20758874202197272 | 8090768.963580007 | 0.07577613585339829 | 7520866.743490003 178646567.28388447 | 0.01717832199229526 | 181715415.53950527 | 0 | 0 | 0 | 0 | 0.15761035611990665 | 156974593.89408138 | 0.1485376622745187 | 136673440.54109213 | 0.39971548275494756 | 97643729.90437226 | -0.07272126134535209 | 105301379.00717932 Hors-bilan Effets à l'encaissement | 97502.16148000001 | -0.2081602739049351 | 77206.08484 | 0 | 0 | 68846.26846022 | 52302.66995 | 19878.62198 | 11996.07348 Crédit documentaire | 2855094.45665 | 2631714.51398 | 0 | 0 | 2379243.015726165 | 1998847.9257 | 1163260.8931000002 | 1838622.5177399998 Autres | 10700438.5787 | -0.09698679795852633 | 9662637.304200003 | 0 | 0 | 10341156.048350725 | 9109167.89706 | 7004151.97447 | 6761928.37086 Portefeuille brut | 47851007.48159 | -0.04921923735119121 | 45495817.38686 | 0 | 0 | 0 | 0 | 0.06290130923057508 | 42803425.86067 | 0.15128625785624233 | 37178786.39529 | 0.23328433971867155 | 30146159.48482 | -0.09664726899506951 | 33371415.672019996 | 0.15357166325707972 Provisions pour créances douteuses | 3204236.3277999996 | 0.03150896372844004 | 3305198.4940299997 | 0 | 0 | 0 | 0 | 0.1657773390122737 | 2835188.49048 | 0.4909343018476771 | 1901618.66084 | 0.394476414703613 | 1363679.32852 | 0.0826522891740798 | 1259572.75679 | 0.004735417357997233 Portefeuille de crédit improductif | 4412675 | 0.10481873240154782 | 4875206 | 0 | 0 | 0 | 0 | 1.7918448361070214 | 1746231 | 1.1173391501935788 | 824729 | 0.12474446273417715 | 733259 | 0.2539078865691141 | 584779 | -0.3526037102674669 I/Aa | 0.3729262797144513 | 0.37228397453662315 liq/ac | 0.44667515456450607 | 0.46631528860704796 liq/de | 0.5383406716642976 | 0.5627638119904009 lid | 79796983.05395001 [sogebkcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 3149037.60915 | 0.01762719349734728 | 3830987.2159700003 | 0.021082345736385642 | 0 | 0 | 0 | 0 | 5143265.169060001 | 0.03276495285937888 | 5409199.95624 | 0.03957755021622773 | 4213513.0541900005 | 0.04315190599868453 | 4133868.5198899996 | 0.039257496519669664 Avoirs à la BRH | 69715995.11055 | 0.3902453664265669 | 70162332.9826 | 0.38611106699714187 | 0 | 0 | 0 | 0 | 57854305.92229 | 0.3685584048162853 | 49113854.972090006 | 0.35935185927598456 | 32015278.25152 | 0.3278784852125969 | 38966197.58544999 | 0.3700445136886619 Avoirs à l'étranger | 6790167.11623 | 0.03800894257005028 | 10508426.80599 | 0.05782903324392579 | 0 | 0 | 0 | 0 | 6562049.10529 | 0.03673201900858328 | 10248018.089629998 | 0.0749817817496754 | 7111476.047150001 | 0.07283085205903234 | 4759170.6993 | 0.04519571105499387 Avoirs dans les banques locales | 14686.435 | 8.220944417399051e-05 | 32839.61 | 0.00018072000057373433 | 0 | 0 | 0 | 0 | 12036.435 | 7.66775992306177e-05 | 3196.385 | 2.3387023750520083e-05 | 20005.81 | 0.00020488576193897665 | 5592 | 5.3104717646857886e-05 Autres liquidités | 127096.78302 | 0.0007114426263675614 | 202089.82566000003 | 0.001112122629020901 | 0 | 0 | 0 | 0 | 435019.67348 | 0.002771274399814697 | 138057.36656 | 0.0010101257860592441 | 72103.76637 | 0.0007384372395512808 | 371122.39983999997 | 0.00352438309297702 79796983.05395001 | 0.44667515456450607 | 84736676.44022 | 0.46631528860704796 | 0 | 0 | 0 | 0 | 70006676.30512 | 0.44597456549149084 | 64912326.76952 | 0.4749447040516974 | 43432376.929230005 | 0.44480456627180404 | 48235951.20447999 | 0.45807520907394933 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4950000 | 0.03621771706633413 | 4050000 | 0.041477317631870715 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 41488034.135520004 | 0.23223527194670762 | 43762803.08533 | 0.24083153845886293 | 0 | 0 | 0 | 0 | 29115320.248230003 | 0.18547791413860243 | 22022722.121720005 | 0.16113388259291975 | 13153058.77161 | 0.1347045917285756 | 19037189.698299997 | 0.18078765803252736 Portefeuille net | 44646771.153790005 | 0.2499167592895369 | 42190618.89283 | 0.23217963521851945 | 0 | 0 | 0 | 0 | 39968237.37019 | 0.2546159628682103 | 35277167.734450005 | 0.25811282422382253 | 28782480.1563 | 0.2947703880681163 | 32111842.915229995 | 0.3049517795303188 Immobilisations | 4046527.4907 | 0.022651022923209044 | 4087323.10875 | 0.02249299046359983 | 0 | 0 | 0 | 0 | 4075512.3594299997 | 0.025962878822159776 | 4096161.708640001 | 0.029970429458883903 | 4508152.79164 | 0.04616940377082888 | 2927240.25415 | 0.02779868869476972 Autres actifs | 8668251.449930001 | 0.048521791276040296 | 6937994.009299999 | 0.038180547251969836 | 0 | 0 | 0 | 0 | 7558847.611119999 | 0.04231174282295677 | 5415062.206769999 | 0.03962044260634237 | 3717661.25549 | 0.020810146604061004 | 2989154.935 | 0.0283866646684347 178646567.28389004 | 1 | 181715415.53643 | 1 | 0 | 0 | 0 | 0 | 156974593.89408997 | 1 | 136673440.5411 | 1 | 97643729.90427001 | 0.5465749014315111 | 105301379.00716 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 68069469.33739519 | 0.38102870025610364 | 68203817.75334781 | 0.37533314139589014 | 0 | 0 | 0 | 0 | 61530595.04608671 | 0.3919780489293772 | 53654515.87899203 | 0.39257456069423535 | 34366010.2928259 | 0.3519530678162168 | 36008544.29994681 | 0.3419570060663536 Épargne | 50518184.392547995 | 0.2827828441409051 | 52299244.934397385 | 0.28780852070259566 | 0 | 0 | 0 | 0 | 43121159.669180505 | 0.27470152079688864 | 36063313.63760547 | 0.2638648262224776 | 25812253.94268559 | 0.26435137174698203 | 28544183.309672147 | 0.27107131529332845 À terme | 29640015.577031292 | 0.1659142743556325 | 30069299.349040058 | 0.1654746751136907 | 0 | 0 | 0 | 0 | 24680540.660824187 | 0.1572263386613762 | 21628444.86694462 | 0.15824907005571856 | 15937603.261680763 | 0.16322198340135105 | 21724314.25017037 | 0.20630607552341 148227669.30697447 | 0.8297258187526412 | 150572362.03678524 | 0.8286163372121764 | 0 | 0 | 0 | 0 | 129332295.37609139 | 0.823905908387642 | 111346274.38354212 | 0.8146884569724315 | 76115867.49719225 | 0.7795264229645499 | 86277041.85978933 | 0.8193343968830921 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 | 9965495.178459998 | 0.05578330068119179 | 10692762.3015 | 0.05884345183337697 | 0 | 0 | 0 | 0 | 8234576.19353 | 0.052458018773954146 | 5654482.18983 | 0.04137220931472492 | 4934112.777519999 | 0.05053179330979477 | 4715026.590960002 | 0.04477649424362621 9965495.178459998 | 0.05578330068119179 | 10692762.3015 | 0.05884345183337697 | 0 | 0 | 0 | 0 | 8234576.19353 | 0.052458018773954146 | 5654482.18983 | 0.04137220931472492 | 4934112.777519999 | 0.05053179330979477 | 4715026.590960002 | 0.04477649424362621 Obligations à terme | 0 Banques locales | 4560984.69475 | 0.025530771534512994 | 4498970.34891 | 0.024758330687734382 | 0 | 0 | 0 | 0 | 4602136.24881 | 0.029317713998451494 | 5127708.24985 | 0.037517956887227207 | 5034091.11166 | 0.05155570272249357 | 4003233.8392 | 0.038016917508058454 Banque à l'étranger | 0.6105499999999999 | 3.417641935597707e-09 | 0.64513 | 3.550221636923618e-09 | 0 | 0 | 0 | 0 | 0.49436 | 3.149299435891788e-09 | 639.981 | 4.682555714309006e-06 | 429.41413 | 4.397764510030474e-06 | 659.73434 | 6.26520133183765e-06 Autres | 1160634.9406399997 | 0.0064968219556976806 | 892471.4202000002 | 0.004911368788197714 | 0 | 0 | 0 | 0 | 1168126.89243 | 0.00744150287923745 | 1076224.85696 | 0.007874425731138019 | 703471.46983 | 0.00720447150595009 | 742923.17369 | 0.0070552083998775056 5721620.24594 | 0.03202759690785261 | 5391442.414240001 | 0.029669703026153734 | 0 | 0 | 0 | 0 | 5770263.6356 | 0.03675922002698838 | 6204573.08781 | 0.045397065174079536 | 5737991.99562 | 0.05876457199295369 | 4746816.74723 | 0.0450783911092678 0 Autres passifs | 3881038.8242900004 | 0.021724676176523343 | 4079802.1765599996 | 0.022451601943160884 | 0 | 0 | 0 | 0 | 3960577.67603 | 0.02523069229089507 | 3697789.3651900003 | 0.027055654343303176 | 2764988.6704599997 | 0.028317114403257605 | 2041627.0657100002 | 0.019388417178954315 167795823.55566448 | 0.9392613925182091 | 170736368.92908525 | 0.9395810940148681 | 0 | 0 | 0 | 0 | 147297712.8812514 | 0.9383538394794796 | 126903119.02637212 | 0.9285133858045391 | 89552960.94079225 | 0.9171399026705559 | 97780512.26368931 | 0.9285776994149403 AVOIR DES ACTIONNAIRES | 0 Capital versé | 3000000 | 0.01679293392317275 | 3000000 | 0.016509331314263565 | 0 | 0 | 0 | 0 | 3000000 | 0.019111372901681696 | 3000000 | 0.021950131555354017 | 3000000 | 0.030723938986570897 | 1500000 | 0.014244827694972609 Réserves | 2441227.9358599996 | 0.013665126472766792 | 2479524.37077 | 0.01364509644627761 | 0 | 0 | 0 | 0 | 2131701.77986 | 0.013579915876694349 | 1787827.4278599997 | 0.013081015746599062 | 1465069.6438699998 | 0.015004236783113009 | 2480397.4225700004 | 0.023555222599709214 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 | 376690.93492 | 0.003577264974795694 BNR | 5409515.792360001 | 0.030280547085820324 | 5499522.2396500055 | 0.030264478241514247 | 0 | 0 | 0 | 0 | 4545179.232969996 | 0.028954871742089723 | 4982494.086860002 | 0.036455466893450174 | 3625699.3197100074 | 0.037131921560807295 | 3163778.386000003 | 0.030044985315765726 10850743.72822 | 0.06073860748175987 | 10979046.610420005 | 0.06041890600205542 | 0 | 0 | 0 | 0 | 9676881.012829997 | 0.06164616052046577 | 9770321.51472 | 0.07148661419540324 | 8090768.963580007 | 0.0828600973304912 | 7520866.743490003 | 0.07142230058524324 178646567.28388447 | 0.9999999999999688 | 181715415.53950527 | 1.0000000000169236 | 0 | 0 | 0 | 0 | 156974593.89408138 | 0.9999999999999454 | 136673440.54109213 | 0.9999999999999424 | 97643729.90437226 | 1.0000000000010472 | 105301379.00717932 | 1.0000000000001836 [sogebkgdes&$ ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 895516.02363 | 2935471.19234 | 3830987.2159700003 | 0.23375594152257087 | 2506697.4888100005 | 2636567.68025 | 5143265.169060001 | 0.48737473305661433 Avoirs à la BRH | 50257944.02576999 | 19904388.956830002 | 70162332.9826 | 0.7163094767420829 | 36884256.65332 | 20970049.26897 | 57854305.92229 | 0.6375369311812848 Avoirs à l'étranger | 10508426.80599 | 0 | 10508426.80599 | 1 | 6562049.10529 | 0 | 6562049.10529 | 1 Avoirs dans les banques locales | 0 | 32839.61 | 32839.61 | 0 | 0 | 12036.435 | 12036.435 | 0 Autres liquidités | 116955.10708 | 85134.71858 | 202089.82566 | 0.5787283288410948 | 201958.34102 | 233061.33246 | 435019.67348 | 0.4642510519223334 61778841.962469995 | 22957834.477750003 | 84736676.44022 | 0.7290685044279936 | 46154961.58844001 | 23851714.71668 | 70006676.30512 | 0.6592937134635032 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 6250000 | 6250000 | 0 Autres Placements | 34784327.63197 | 8978475.45336 | 43762803.08533 | 0.7948377430062351 | 25333693.13749 | 3781627.1107400004 | 29115320.248230003 | 0.8701155584586127 Portefeuille net | 23488674.7464 | 18701944.14643 | 42190618.89283 | 0.5567274281058658 | 20251078.655899998 | 19717158.714290004 | 39968237.37019 | 0.5066793030758996 Immobilisations | 0 | 4087323.10875 | 4087323.10875 | 0 | 0 | 4075512.3594299997 | 4075512.3594299997 | 0 Autres actifs | 3470990.07748 | 3467003.9318199996 | 6937994.009299999 | 0.5002872693212662 | 3749304.76391 | 3809542.8472099993 | 7558847.61112 | 0.4960153923984801 | 13252658.14675 123522834.41832 | 58192581.11811 | 181715415.53643 | 0.6797597994296546 | 95489038.14574 | 61485555.74835 | 156974593.89409 | 0.608308872008715 | 13252658.14675 13252658.14675 PASSIF | 13252658.14675 Dépôts | 13252658.14675 À vue | 50200571.85887781 | 18003245.894470003 | 68203817.75334781 | 0.7360375637683961 | 39363457.893046714 | 22167137.153040003 | 61530595.04608671 | 0.6397379687871261 Épargne | 38154123.84135738 | 14145121.09304 | 52299244.934397385 | 0.7295348888729996 | 29769551.570240505 | 13351608.098940002 | 43121159.669180505 | 0.690369920443428 À terme | 25212884.759290062 | 4856414.589749996 | 30069299.349040058 | 0.8384925922823329 | 19405507.983194187 | 5275032.677630002 | 24680540.660824187 | 0.7862675396733451 113567580.45952526 | 37004781.57726 | 150572362.03678524 | 0.7542392171000172 | 88538517.4464814 | 40793777.92961001 | 129332295.37609142 | 0.6845816598941209 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 | 6418540.48855 | 4274221.812949999 | 10692762.3015 | 0.6002696316974703 | 4248669.96488 | 3985906.2286500004 | 8234576.193530001 | 0.5159549034494608 6418540.48855 | 4274221.812949999 | 10692762.3015 | 0.6002696316974703 | 4248669.96488 | 3985906.2286500004 | 8234576.193530001 | 0.5159549034494608 Obligations à terme Banques locales | 0 | 4498970.34891 | 4498970.34891 | 0 | 0 | 4602136.24881 | 4602136.24881 | 0 Banque à l'étranger | 0.64513 | 0 | 0.64513 | 1 | 0.49436 | 0 | 0.49436 | 1 Autres | 765255.9932900001 | 127215.42690999992 | 892471.4202 | 0.8574571420096664 | 678050.24102 | 490076.6514100001 | 1168126.89243 | 0.5804594050647046 765256.6384200001 | 4626185.77582 | 5391442.41424 | 0.14193912864557115 | 678050.73538 | 5092212.90022 | 5770263.635600001 | 0.11750775669879687 Autres passifs | 2718967.35986 | 1360834.8167 | 4079802.1765600005 | 0.6664458819796438 | 2037109.1661399999 | 1923468.5098899999 | 3960577.6760299997 | 0.5143464748763508 123470344.94635527 | 47266023.98273 | 170736368.92908525 | 0.7231637039068005 | 95502347.31288141 | 51795365.56837001 | 147297712.88125142 | 0.6483627304510394 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 2479524.37077 | 2479524.37077 | 0 | 0 | 2131701.77986 | 2131701.77986 | 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 | 5499522.2396500055 | 5499522.2396500055 | 0 | 0 | 4545179.232969996 | 4545179.232969996 | 0 0 | 10979046.610420005 | 10979046.610420005 | 0 | 0 | 9676881.012829997 | 9676881.012829997 | 0 123470344.94635527 | 58245070.593150005 | 181715415.53950527 | 0.6794709440570967 | 95502347.31288141 | 61472246.5812 | 156974593.8940814 | 0.608393657494165 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes [SOGEBKRÉSULT] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 1309329.0466200002 | -0.06769915778529718 | 1220688.5729 | 0 | 0 | 0 | 0 | 975012.43252 | 0.025660759325227305 | 1000031.9918900002 | 0.09692939514545236 | 1096964.4879899998 | 0.34548171372841646 | 1475945.6591999999 Intérêts sur bons B.R.H. | 194422.71977000003 | -0.1831240610774225 | 158819.24175999995 | 0 | 0 | 0 | 0 | 145529.50549999997 | -0.03932909639413269 | 139805.96155 | 0.020102626374733187 | 142616.42855999997 | 0.3197928895745168 | 188224.14835 Autres | 165321.02375999998 | 0.1551656950615053 | 190973.17532 | 0 | 0 | 0 | 0 | 0 | 83400.80274 | 0.02566788783404959 | 85541.52519000001 | 0.3141453473071982 | 112413.99733000001 | 0.15463842548868068 | 129797.52087999997 1669072.7901500002 | -0.05906980255854505 | 1570480.9899799998 | 0 | 0 | 0 | 0 | 1203942.74076 | 0.017805446342463234 | 1225379.4786300003 | 0.1033275303349768 | 1351994.9138799997 | 0.3269039032710656 | 1793967.3284299998 Dépenses d'intérêt | 230007.14439 | 0.10175364400992722 | 253411.20948 | 0 | 0 | 0 | 0 | 188834.94015 | -0.0354699764496947 | 182136.96927 | 0.02395209741045446 | 186499.5317 | 0.05508785140826181 | 196773.39019 1439065.6457600002 | -0.08477435731958691 | 1317069.7804999999 | 0 | 0 | 0 | 0 | 1015107.8006099999 | 0.02771598123183921 | 1043242.5093600003 | 0.1171854786620976 | 1165495.3821799997 | 0.37039919905347884 | 1597193.9382399998 AUTRES REVENUS Commissions | 489751.1184899999 | 0.1648579158510873 | 570490.4671700002 | 0 | 0 | 0 | 0 | 446196.5897 | 0.026235863429325608 | 457902.94249000004 | 0.24209712356766738 | 568759.9277400001 | -0.19179177767225897 | 459676.4501299999 Gains sur change | 357911.0181 | 0.015360465093209421 | 363408.6978000001 | 0 | 0 | 0 | 0 | 181652.97268 | 0.7859572242261419 | 324424.43886 | 0.07821662566225608 | 349799.8237500001 | 0.025712646460417005 | 358794.10295000003 Autres | 267091.10519000003 | -0.9239922008800765 | 20301.007069999876 | 0 | 0 | 0 | 0 | 107624.38160000002 | 0.028488366524560736 | 110690.42443000001 | 0.18054218124927285 | 130674.71510000002 | -0.7529601326829295 | 32281.86428 1114753.2417799998 | -0.14402565852478175 | 954200.1720400001 | 0 | 0 | 0 | 0 | 735473.94398 | 0.21420726470261497 | 893017.80578 | 0.17493118255750084 | 1049234.46659 | -0.18916844189751456 | 850752.41736 PRODUIT NET BANCAIRE | 2553818.88754 | -0.11063781240656774 | 2271269.95254 | 0 | 0 | 0 | 0 | 1750581.7445899998 | 0.1060667810136955 | 1936260.3151400003 | 0.14381823118130949 | 2214729.84877 | 0.10530246249199282 | 2447946.3556 Dotation à la provision pour créances douteuses | 569231.02598 | -0.27958809475643703 | 410080.80794999993 | 0 | 0 | 0 | 0 | 311635.48749 | 0.003027102714129277 | 312578.84012 | 0.297079108279852 | 405439.48321000003 | 0.9390805195526382 | 786179.80375 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1984587.86156 | -0.06217851039006228 | 1861189.1445900002 | 0 | 0 | 0 | 0 | 1438946.2570999998 | 0.1283822915612631 | 1623681.4750200002 | 0.11431360977849028 | 1809290.36556 | -0.08153683704845215 | 1661766.55185 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 556438.3441400001 | 0.09942979967620573 | 611764.8972299999 | 0 | 0 | 0 | 0 | 462019.13408 | 0.1268071142911917 | 520606.44722 | 0.006097467092370643 | 523780.8278999999 | 0.05263652707667217 | 551350.83163 Frais de locaux | 61318.62551999999 | 0.060235626918860107 | 65012.19137 | 0 | 0 | 0 | 0 | 57350.60637999998 | 0.02006877472879495 | 58501.56277999999 | -0.03001734170083309 | 56745.501379999994 | -0.03669996104279707 | 54662.94369000001 Amortissement | 85470.76072 | 0.04222807460230599 | 89080.02638000001 | 0 | 0 | 0 | 0 | 88857.64888000001 | 0.023611043691166338 | 90955.67071 | -0.13121078748406062 | 79021.30553 | 0.09863953319577624 | 86815.93022000001 Autres dépenses d'exploitation | 551255.3943 | 0.21126176141619962 | 667714.5798899997 | 0 | 0 | 0 | 0 | 374295.89813999995 | 0.29547998471154197 | 484892.8444 | 0.02933937325390666 | 499119.2965500001 | -0.02664794273019622 | 485818.79411999986 1254483.1246800001 | 0.14275885156739948 | 1433571.6948699998 | 0 | 0 | 0 | 0 | 982523.2874799999 | 0.17550040780433931 | 1154956.52511 | 0.003212593867675335 | 1158666.93136 | 0.017245308171992164 | 1178648.4996599997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 730104.73688 | -0.41430670406637343 | 427617.4497200004 | 0 | 0 | 0 | 0 | 456422.9696199999 | 0.02695302626912594 | 468724.9499100002 | 0.38807083839877976 | 650623.4342 | -0.2574536563011487 | 483118.0521900002 Impôts sur le revenu | 167000 | -0.05389221556886228 | 158000 | 0 | 0 | 0 | 0 | 120000 | -0.10833333333333334 | 107000 | 0.514018691588785 | 162000 | -0.30864197530864196 | 112000 BÉNÉFICE NET (PERTE NETTE) | 563104.73688 | -0.5211948469588935 | 269617.4497200004 | 0 | 0 | 0 | 0 | 336422.9696199999 | 0.07520883701424934 | 361724.9499100002 | 0.35081485068025603 | 488623.4342 | -0.2404824938500664 | 371118.0521900002 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 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 | 1309329.0466200002 | 0.34288446275083 | 975012.43252 | 1220688.5729 | 0.22064952201476296 | 1000031.9918900002 | 0 | 0 | 1096964.4879899998 | 0 | 0 | 1475945.6591999999 | 2530017.61952 | 0.2809927656567956 | 1975044.4244100002 | 4547954.571599999 Intérêts sur Bons B.R.H. | 194422.71977000003 | 0.3359677070434357 | 145529.50549999997 | 158819.24175999995 | 0.13599763557436037 | 139805.96155 | 0 | 0 | 142616.42855999997 | 0 | 0 | 188224.14835 | 353241.96153 | 0.23798827107637688 | 285335.46705 | 616176.0439599999 Autres | 165321.02375999998 | 0.9822473924547741 | 83400.80274 | 190973.17532 | 1.2325201110901536 | 85541.52519000001 | 0 | 0 | 112413.99733000001 | 0 | 0 | 129797.52087999997 | 356294.19908 | 1.1089693947370478 | 168942.32793000003 | 411153.84614000004 1669072.7901500002 | 0.38633901234902807 | 1203942.74076 | 1570480.9899799998 | 0.2816282770916241 | 1225379.4786300003 | 0 | 0 | 1351994.9138799997 | 0 | 0 | 1793967.3284299998 | 3239553.7801300003 | 0.33352165236583897 | 2429322.21939 | 5575284.461699999 Dépenses d'intérêt | 230007.14439 | 0.21803276558509285 | 188834.94015 | 253411.20948 | 0.3913222038099415 | 182136.96927 | 0 | 0 | 186499.5317 | 0 | 0 | 196773.39019 | 483418.35387 | 0.30311309723101554 | 370971.90942000004 | 754244.83131 1439065.6457600002 | 0.417648100916213 | 1015107.8006099999 | 1317069.7804999999 | 0.2624771025751097 | 1043242.5093600003 | 0 | 0 | 1165495.3821799997 | 0 | 0 | 1597193.9382399998 | 2756135.42626 | 0.3390021187890849 | 2058350.3099700003 | 4821039.630389999 AUTRES REVENUS Commissions | 489751.1184899999 | 0.09761286794971641 | 446196.5897 | 570490.4671700002 | 0.24587639482674628 | 457902.94249000004 | 0 | 0 | 568759.9277400001 | 0 | 0 | 459676.4501299999 | 1060241.58566 | 0.17270449536875346 | 904099.53219 | 1932535.9100600001 Gains sur change | 357911.0181 | 0.9703009139877731 | 181652.97268 | 363408.6978000001 | 0.1201643719474016 | 324424.43886 | 0 | 0 | 349799.8237500001 | 0 | 0 | 358794.10295000003 | 721319.7159000001 | 0.42531498038020504 | 506077.41154 | 1214671.3382400002 Autres | 267091.10519000003 | 1.4816970022896743 | 107624.38160000002 | 20301.007069999876 | -0.8165965378257438 | 110690.42443000001 | 0 | 0 | 130674.71510000002 | 0 | 0 | 32281.86428 | 287392.1122599999 | 0.31641145869193826 | 218314.80603000004 | 381271.38541000005 1114753.2417799998 | 0.5156937249843806 | 735473.94398 | 954200.1720400001 | 0.06851192200648311 | 893017.80578 | 0 | 0 | 1049234.46659 | 0 | 0 | 850752.41736 | 2068953.41382 | 0.27047214953647336 | 1628491.74976 | 3528478.63371 PRODUIT NET BANCAIRE | 2553818.88754 | 0.4588401229661656 | 1750581.7445899998 | 2271269.95254 | 0.17301890390485897 | 1936260.3151400003 | 0 | 0 | 2214729.84877 | 0 | 0 | 2447946.3556 | 4825088.84008 | 0.3087321783546534 | 3686842.0597300003 | 8349518.264099998 Dotation à la provision pour créances douteuses | 569231.02598 | 0.8265924415885592 | 311635.48749 | 410080.80794999993 | 0.31192760134553127 | 312578.84012 | 0 | 0 | 405439.48321000003 | 0 | 0 | 786179.80375 | 979311.83393 | 0.5688711242492653 | 624214.32761 | 1815833.61457 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1984587.86156 | 0.37919526303898704 | 1438946.2570999998 | 1861189.1445900002 | 0.14627725525234211 | 1623681.4750200002 | 0 | 0 | 1809290.36556 | 0 | 0 | 1661766.55185 | 3845777.0061500007 | 0.2557115465965862 | 3062627.7321200003 | 6533684.649529998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 556438.3441400001 | 0.20436212073340473 | 462019.13408 | 611764.8972299999 | 0.17510050153389248 | 520606.44722 | 0 | 0 | 523780.8278999999 | 0 | 0 | 551350.83163 | 1168203.24137 | 0.18885897497649443 | 982625.5813 | 2057757.24083 Frais de locaux | 61318.62551999999 | 0.06918879137403124 | 57350.60637999998 | 65012.19137 | 0.11128982339298814 | 58501.56277999999 | 0 | 0 | 56745.501379999994 | 0 | 0 | 54662.94369000001 | 126330.81688999999 | 0.09044843791857073 | 115852.16915999998 | 227260.61422999998 Amortissement | 85470.76072 | -0.03811588763252006 | 88857.64888000001 | 89080.02638000001 | -0.02062152161991347 | 90955.67071 | 0 | 0 | 79021.30553 | 0 | 0 | 86815.93022000001 | 174550.78710000002 | -0.029266644439907653 | 179813.31959000003 | 345650.5553400001 Autres dépenses d'exploitation | 551255.3943 | 0.47277968323823566 | 374295.89813999995 | 667714.5798899997 | 0.377035333891596 | 484892.8444 | 0 | 0 | 499119.2965500001 | 0 | 0 | 485818.79411999986 | 1218969.9741899997 | 0.41874528125960625 | 859188.74254 | 1844126.8332099998 1254483.1246800001 | 0.2767973448217492 | 982523.2874799999 | 1433571.6948699998 | 0.24123433540796174 | 1154956.52511 | 0 | 0 | 1158666.93136 | 0 | 0 | 1178648.4996599997 | 2688054.8195499997 | 0.2575813833267803 | 2137479.81259 | 4474795.24361 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 730104.73688 | 0.5996231247692397 | 456422.9696199999 | 427617.4497200004 | -0.08770068714689257 | 468724.9499100002 | 0 | 0 | 650623.4342 | 0 | 0 | 483118.0521900002 | 1157722.186600001 | 0.2513914393150827 | 925147.9195300001 | 2058889.405919998 Impôts sur le revenu | 167000 | 0.39166666666666666 | 120000 | 158000 | 0.4766355140186916 | 107000 | 0 | 0 | 162000 | 0 | 0 | 112000 | 325000 | 0.43171806167400884 | 227000 | 501000 BÉNÉFICE NET (PERTE NETTE) | 563104.73688 | 0.6737999118075801 | 336422.9696199999 | w | 269617.4497200004 | -0.2546340809858895 | 361724.9499100002 | 0 | 0 | 488623.4342 | 0 | 0 | 371118.0521900002 | 832722.1866000011 | 0.1927589602509991 | 698147.9195300001 | 1557889.405919998 0.9325322027352575 | 0.8795568032919453 | #DIV/0! | 1.085873895041816 Com /sal 1069265.9717200003 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 2530017.61952 | 0.2809927656567956 | 1975044.4244100002 | 4547954.571599999 | 0.1963299682614181 | 3801588.7692 | 0.142798687902863 | 3326560.3202400003 | -0.12580579296264632 | 3805287.53618 Intérêts sur Bons B.R.H. | 353241.96153 | 0.23798827107637688 | 285335.46705 | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001 | 2.4027005155722354 | 155136.43406 | 2.8185652459060764 | 40626.89101 Autres | 356294.19908 | 1.1089693947370478 | 168942.32793000003 | 411153.84614000004 | 0.6260388535978539 | 252856.10194999998 | -0.4998660168645743 | 505576.72639 | 0.1942297910109654 | 423349.61847 3239553.7801300003 | 0.33352165236583897 | 2429322.21939 | 5575284.461699999 | 0.21669265762164655 | 4582327.69531 | 0.14923837492005332 | 3987273.48069 | -0.06605132921133376 | 4269264.045659999 Dépenses d'intérêt | 483418.35387 | 0.30311309723101554 | 370971.90942000004 | 754244.83131 | 0.0440436856512934 | 722426.5054 | -0.2535916732169889 | 967870.37266 | 0.012647555187639336 | 955782.0662300001 2756135.42626 | 0.3390021187890849 | 2058350.3099700003 | 4821039.630389999 | 0.24900597015085998 | 3859901.18991 | 0.2783656410913547 | 3019403.1080300002 | -0.08875221692033707 | 3313481.9794299994 AUTRES REVENUS Commissions | 1060241.58566 | 0.17270449536875346 | 904099.53219 | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954 | 0.07661116970075371 | 1550792.66919 | 0.08693292536766555 | 1426760.2287100002 Gains sur change | 721319.7159000001 | 0.42531498038020504 | 506077.41154 | 1214671.3382400002 | 0.5097726482112807 | 804539.23952 | 0.6220414220540942 | 496004.12701 | -0.07191109914505922 | 534436.0077499999 Autres | 287392.1122599999 | 0.31641145869193826 | 218314.80603000004 | 381271.38541000005 | -0.596203500193514 | 944216.6675360462 | 1.0943075552897912 | 450849.0957553721 | -0.1872287436786713 | 554706.0039942273 2068953.41382 | 0.27047214953647336 | 1628491.74976 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 | 0.368631409122557 | 2497645.891955372 | -0.0072563823050450504 | 2515902.240454227 PRODUIT NET BANCAIRE | 4825088.84008 | 0.3087321783546534 | 3686842.0597300003 | 8349518.264099998 | 0.1471863852687864 | 7278257.806506047 | 0.3192302273417082 | 5517048.999985373 | -0.05357945335520474 | 5829384.219884226 Dotation à la provision pour créances douteuses | 979311.83393 | 0.5688711242492653 | 624214.32761 | 1815833.61457 | 0.5866166393687933 | 1144469.03525 | 1.6470383959393213 | 432358.30542 | -0.21934449185895985 | 553840.07531 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3845777.0061500007 | 0.2557115465965862 | 3062627.7321200003 | 6533684.649529998 | 0.06519557376151089 | 6133788.771256047 | 0.20632485626155658 | 5084690.694565373 | -0.0361770169632912 | 5275544.144574226 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1168203.24137 | 0.18885897497649443 | 982625.5813 | 2057757.24083 | 0.15890020995434195 | 1775612.10461 | -0.14814908981232955 | 2084416.51394 | 0.0965369743408799 | 1900908.55367 Frais de locaux | 126330.81688999999 | 0.09044843791857073 | 115852.16915999998 | 227260.61422999998 | 0.002558125003360841 | 226680.73657 | 0.1621685017225463 | 195049.80236000003 | 0.11301762523896415 | 175244.12726 Amortissement | 174550.78710000002 | -0.029266644439907653 | 179813.31959000003 | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995 | 0.15582726314654727 | 283942.15489999996 | 0.04736573149753937 | 271101.24607 Autres dépenses d'exploitation | 1218969.9741899997 | 0.41874528125960625 | 859188.74254 | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998 | 0.08671126649233586 | 1578642.65484 | -0.043456722956358794 | 1650361.9781 2688054.8195499997 | 0.2575813833267803 | 2137479.81259 | 4474795.24361 | 0.10597739337652429 | 4046009.68375 | -0.0231869282554753 | 4142051.12604 | 0.03613033977469801 | 3997615.9051 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1157722.186600001 | 0.2513914393150827 | 925147.9195300001 | 2058889.405919998 | -0.01383751842277509 | 2087779.0875060475 | 1.2148222472477843 | 942639.5685253725 | -0.26236893480560386 | 1277928.2394742258 Impôts sur le revenu | 325000 | 0.43171806167400884 | 227000 | 501000 | 0.2715736040609137 | 394000 | 0.6554621848739496 | 238000 | 0.17357001972386588 | 202800 BÉNÉFICE NET (PERTE NETTE) | 832722.1866000011 | 0.1927589602509991 | 698147.9195300001 | 1557889.405919998 | -0.08022869250684636 | 1693779.0875060475 | 1.4037524475820835 | 704639.5685253725 | -0.3445995159889343 | 1075128.2394742258 [sgbelinfin] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) INDICATEURS FINANCIERS Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 13000997.80809 | 0.0009241456707672044 | 13013012.62393 | 0 | 0 | 0 | 0 | 0.10755640277852471 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 | 0.30251728040532055 | 7737938.365479999 | -0.07476669001229543 | 8363229.34113 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 5562221.41577 | 0.014212704374886273 | 5641275.62442 | 0 | 0 | 0 | 0 | 0.11556555437156202 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 | 0.16623299565032765 | 4134099.53656 | -0.1169916737954485 | 4681835.28272 Dépôts | 9310027.567461899 | -0.006169018691626017 | 9252593.833378673 | 0 | 0 | 0 | 0 | 0.15342844657404914 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 | 0.505870701371239 | 4375153.64703 | -0.17107250710601704 | 5278089.68159 Avoir des Actionnaires | 1001218.0568600001 | -0.024420487797313966 | 976767.8235200001 | 0 | 0 | 0 | 0 | 0.02587215771478553 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 | -0.01998971053553195 | 877273.58677 | 0.23796749325637734 | 708640.24423 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 106503.384195013 | 0.35515886247203277 | 78591.06939 | 152068.55371498704 | 0.5240633703108324 | 99778.36661999999 | 0 | 0 | 100629.770207372 | 0 | 0 | 130506.08525375297 | 258571.93791000004 | 0.44964262765008467 | 178369.43601 Autres revenus | 19205.31066 | 0.3426881854682847 | 14303.62676 | 23916.04149 | 0.693599391123324 | 14121.427780000004 | 0 | 0 | 15491.649110000004 | 0 | 0 | 71518.19686999999 | 43121.35215 | 0.5170191525690557 | 28425.054540000005 Dot. à la prov. pr créances douteuses | -4900.864129999998 | 0.7252221019670998 | -17835.72902 | 13499.999999999998 | 1.2499999999999998 | 6000 | 0 | 0 | 6000.000000000001 | 0 | 0 | 16900.864129999998 | 8599.13587 | 1.7265404484564653 | -11835.729019999999 Dépenses d'exploitation | 81284.80502 | 0.16061273155581007 | 70036.11352 | 97347.92853999994 | 0.3607669998319214 | 71539.01333 | 0 | 0 | 73216.30425000002 | 0 | 0 | 80095.20022999999 | 178632.73355999994 | 0.2617522409092578 | 141575.12685 Bénéfice (perte) net | 36007.07039311301 | 0.21207981396550785 | 29706.84766650001 | 47549.766666787065 | 0.791398995199234 | 26543.370178399997 | 0 | 0 | 26940.73400117198 | 0 | 0 | 76670.59896855296 | 83556.83705990006 | 0.48544912822014613 | 56250.217844900035 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.07701086267678488 | 0.09077949319637985 | 0.07506085268247523 | 0.078424324312613 | 0 | 0.07565946881307865 | 0 | 0.08103751267768017 | 0.07506085268247523 | 0.078424324312613 | 0.08103751267768017 | 0.0853015512901374 | 0.11337303882952046 | 0.08473284843988887 Dépôts en % de l'actif | 0.7161010027760055 | 0.6601889026824257 | 0.7110262704551453 | 0.6820667120048294 | 0 | 0.6941395164809281 | 0 | 0.6827486357956529 | 0.7110262704551453 | 0.6820667120048294 | 0.6827486357956529 | 0.6536905895142436 | 0.5654159338549604 | 0.6311066534589197 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.08703761573150567 | 0.04529955565395707 | 0.0759143930602332 | 0.049462341479011226 | 0 | 0.04851361544850205 | 0 | 0.07124213430332414 | 0.0759143930602332 | 0.049462341479011226 | 0.07124213430332414 | 0.041209673197505875 | 0.10797350993144256 | 0.13875000598534182 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.4867342616756395 | 0.7747545230483569 | 0.5847376336200403 | 0.7641048129005024 | 0 | 0.8137932089681862 | 0 | 0.5907699247156862 | 0.5847376336200403 | 0.7641048129005024 | 0.5907699247156862 | 1.0065933566073082 | 0.4099381920533815 | 0.2578694467653901 Prêts improductifs nets en % de l'avoir des actionnaires | 0.25916030487280994 | 0.05360292830474964 | 0.1905250079894646 | 0.0675521262380453 | 0 | 0.053149354634739146 | 0 | 0.16164521078016045 | 0.1905250079894646 | 0.0675521262380453 | 0.16164521078016045 | -0.0015896654962255787 | 0.3141390730281408 | 0.7055490775340778 Rentabilité ROA (rendement de l'actif) | 0.011638508897102141 | 0.011580794085294199 | 0.014622817743859819 | 0.009987018959129712 | 0 | 0.009625670113224943 | 0 | 0.026301638224567984 | 0.013497420499961423 | 0.010766397853991453 | 0.014647318005265836 | 0.013230792433120487 | 0.018926296875654385 | 0.013439351213619317 ROE (rendement avoir des action.) | 0.1474678121376334 | 0.13146684305737846 | 0.19231589927285853 | 0.11820023094343796 | 0 | 0.12501600840368496 | 0 | 0.33561261933379466 | 0.1732733794984604 | 0.13171349123933263 | 0.1764601706585961 | 0.1357098966561243 | 0.19215134776134005 | 0.15139889090489278 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7205542261597033 | 0.6667259404459324 | 0.7701144708119058 | 0.713981341651645 | 0 | 0.7107911722591582 | 0 | 0.7584482235809376 | 0.7488980800016366 | 0.6923597011064909 | 0.7168337269853914 | 0.7220485329128635 | 0.7041521584010543 | 0.5774860997329101 Rendement moyen des prêts | 0.08559285852387816 | 0.0854568669018463 | 0.10546866632077467 | 0.10268250668680891 | 0 | 0.1020850020215895 | 0 | 0.1087913307976483 | 0.0976627799751341 | 0.0941022879944949 | 0.09780828444250475 | 0.11328782114511048 | 0.13074904120467093 | 0.12245710959012242 Rendement moyen des prêts productifs | 0.09298688287589536 | 0.08931943441497857 | 0.11481843130506011 | 0.10778807671491467 | 0 | 0.10734227767126663 | 0 | 0.11573762474410372 | 0.10543419534216984 | 0.09856607783125057 | 0.10367512754125206 | 0.12208767337087792 | 0.1492995192767712 | 0.1454587835706145 Rémunération moyenne des dépôts | 0.01906511564790731 | 0.023310173482949868 | 0.01956349508823465 | 0.022402319335235593 | 0 | 0.021253780031581432 | 0 | 0.02071227440771414 | 0.020075455695721795 | 0.02269622381083614 | 0.022143966999330952 | 0.028342112403161347 | 0.037619099417430135 | 0.0510484400102438 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.6466124329247901 | 0.7539301641819299 | 0.5531616470555787 | 0.62808729117425 | 0 | 0.6305150650104628 | 0 | 0.39646323396380884 | 0.5921004524975477 | 0.6846174986261016 | 0.561752816471301 | 0.5871313365281908 | 0.49087972928381 | 0.5916207089570608 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6573.0036525497 | 4794.564962580645 | 9577.392936325825 | 5955.5448052287575 | 0 | 6152.128175754808 | 0 | 10563.36115679754 | 8153.872704324325 | 5441.96027763158 | 6817.405090793831 | 6494.667963108108 | 7456.544110000001 | 12772.340337049181 [sgbelvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 67414.78419 | -0.6194340103842436 | 25655.77406 | 0 | 0 | 0 | 0 | -0.7214108243256868 | 92091.78353 | 0.0432914988171993 | 88270.42455 | 0.9346251274504883 | 45626.62983 | 0.35079470515525835 | 33777.61969 Avoirs à la BRH | 2249158.65563 | -0.01904957891376437 | 2206313.13033 | 0 | 0 | 0 | 0 | 0.11947132878749107 | 1970852.73521 | 0.40804491784300745 | 1399708.7097399998 | 0.43823514391065455 | 973212.7014599999 | -0.01657489815766018 | 989615.4772099999 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 176203.2168 | 0.1586617541820043 | 204159.92827 | 0 | 0 | 0 | 0 | -0.23333374531019196 | 266295.70171 | 0.6774874694783214 | 158746.76059 | 0.21999445720961408 | 130120.88674000002 | 0.2728736000277192 | 102226.08649999999 Autres liquidités | 16961.19962 | 0.21929594859635304 | 20680.721980000002 | 0 | 0 | 0 | 0 | -0.23781456122467307 | 27133.451950000002 | -0.437785598237088 | 48261.75186 | -0.32333082732641344 | 71322.52186000001 | 11.369955809201677 | 5765.78631 2509737.85624 | -0.02108917529709465 | 2456809.55464 | 0 | 0 | 0 | 0 | 0.042623070957037476 | 2356373.6724 | 0.3902010890356963 | 1694987.64674 | 0.3890122275209691 | 1220282.7398899999 | 0.07857428953010247 | 1131384.96971 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 | 2744200.76346 | -0.047900429702623044 | 2612752.3677 | 0 | 0 | 0 | 0 | 0.12239684521640584 | 2327832.95751 | 0.3553199920052403 | 1717552.29115 | 1.3053651725369102 | 745023.96046 | -0.22579727435709243 | 962311.2083999999 Portefeuille net | 5562221.41577 | 0.014212704374886273 | 5641275.62442 | 0 | 0 | 0 | 0 | 0.11556555437156202 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 | 0.16623299565032765 | 4134099.53656 | -0.1169916737954485 | 4681835.28272 Immobilisations | 547799.35028 | 0.007134653642802476 | 551707.70891 | 0 | 0 | 0 | 0 | -0.0036996123318921753 | 553756.39289 | -0.14263476851908946 | 645881.5596399999 | -0.1586219159201207 | 767647.23477 | 0.305785764871017 | 587881.4545400001 Autres actifs | 1637038.42234 | 0.06928911647526485 | 1750467.3682600001 | 0 | 0 | 0 | 0 | 0.20351529692264764 | 1454462.0851399999 | 0.21300834492772563 | 1199053.65138 | 0.37682219535130007 | 870884.8938000001 | -0.12895520481371744 | 999816.4257599998 13000997.80809 | 0.0009241456707672044 | 13013012.62393 | 0 | 0 | 0 | 0 | 0.10755640277852471 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 | 0.30251728040532055 | 7737938.365479999 | -0.07476669001229543 | 8363229.34113 PASSIF Dépôts À vue | 4885280.940747099 | -0.13636658810574095 | 4219091.846919413 | 0 | 0 | 0 | 0 | 0.13823350541520468 | 3706701.504433726 | 0.3233124953696568 | 2801077.98982 | 0.5677553178101992 | 1786680.5859299998 | -0.13414833437397097 | 2063495.00366 Épargne | 1359372.9090032 | -0.00850293703067306 | 1347814.246756743 | 0 | 0 | 0 | 0 | 0.13944497325423943 | 1182869.097142448 | 0.26046426769509096 | 938439.2143900001 | 0.5205444795007745 | 617173.14228 | -0.2010793471621563 | 772508.68417 À terme | 3065373.7177116 | 0.20236162997247903 | 3685687.739702517 | 0 | 0 | 0 | 0 | 0.1766908856918254 | 3132248.0564090954 | 0.0994593422219099 | 2848898.48685 | 0.44518774624376867 | 1971299.91882 | -0.19278030181695036 | 2442085.99376 9310027.567461899 | -0.006169018691626017 | 9252593.833378673 | 0 | 0 | 0 | 0 | 0.15342844657404914 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 | 0.505870701371239 | 4375153.64703 | -0.17107250710601704 | 5278089.68159 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 | 201613.35203999997 | 0.3886953159454056 | 279979.51761000004 | 0 | 0 | 0 | 0 | -0.0270711642601477 | 287769.78061 | 0.5699488772144243 | 183298.82252 | -0.23032796384839807 | 238151.85418 | 0.4810811258374844 | 160795.95508 201613.35203999997 | 0.3886953159454056 | 279979.51761000004 | 0 | 0 | 0 | 0 | -0.0270711642601477 | 287769.78061 | 0.5699488772144243 | 183298.82252 | -0.23032796384839807 | 238151.85418 | 0.4810811258374844 | 160795.95508 Obligations à terme Banques locales | 1714426.51183 | -0.016471031400382353 | 1686188.13892 | 0 | 0 | 0 | 0 | -0.03240826524626174 | 1742664.8847400001 | 0.00511430778853358 | 1733797.70961 | -0.0027344952384451976 | 1738551.7711500002 | -0.10648747458610221 | 1945749.74799 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3713.0963899999997 | 0 | 0 Autres | 390736.00196 | 0.05093763904570409 | 410639.17139000003 | 0 | 0 | 0 | 0 | 0.17866926751231474 | 348392.19339000003 | 0.18399461421025867 | 294251.50182999996 | -0.06351369316988965 | 314208.01317 | 2.0800230052089037 | 102014.82672 2105162.51379 | -0.003959410936400332 | 2096827.31031 | 0 | 0 | 0 | 0 | 0.002759480953604598 | 2091057.0781300003 | 0.031068213894702316 | 2028049.21144 | -0.013821562898600868 | 2056472.8807100002 | 0.004252591390410858 | 2047764.57471 Autres passifs | 382976.31792 | 0.06232192452428801 | 406844.1391 | 0 | 0 | 0 | 0 | 0.026035353284772907 | 396520.58557 | -0.05432176213225878 | 419297.56834 | 1.196581714383247 | 190886.39661999998 | 0.13664203576940454 | 167938.88543 11999779.751211898 | 0.003038809873413946 | 12036244.800398674 | 0 | 0 | 0 | 0 | 0.11475962177149442 | 10797166.102295268 | 0.17117847020627716 | 9219061.29336 | 0.3437562672056228 | 6860664.778539999 | -0.10371873763947217 | 7654589.09681 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0 | 300000 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0.2 | 250000 Réserves | 320545.12954 | 0.01420535675127705 | 325098.58746 | 0 | 0 | 0 | 0 | 0.11466726621666742 | 291655.27446 | -0.07266397750023006 | 314508.72972 | -0.20456549323199935 | 395392.36360000004 | 0.2941079875453625 | 305532.74332999997 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 | 380672.9273200001 | -0.0761905803603918 | 351669.23606 | 0 | 0 | 0 | 0 | -0.024438471113009765 | 360478.78646999993 | 0.46997154018474685 | 245228.41199 | 0.3482887772356299 | 181881.22316999998 | 0.18793149976886578 | 153107.5009 1001218.0568600001 | -0.024420487797313966 | 976767.8235200001 | 0 | 0 | 0 | 0 | 0.02587215771478553 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 | -0.01998971053553195 | 877273.58677 | 0.23796749325637734 | 708640.24423 13000997.808071898 | 0.0009241456712897052 | 13013012.623918675 | 0 | 0 | 0 | 0 | 0.1075564027761214 | 11749300.163225269 | 0.165744134969762 | 10078798.43507 | 0.302517280346187 | 7737938.365309999 | -0.07476669002266577 | 8363229.34104 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 | 401107.17546 | 433487.36413999996 | 0 | 0 | 131146564.07841 | 525606.4589699999 | 391390.95843999996 | 573018.68422 Portefeuille brut | 5808284.6898 | 0.01636275011569264 | 5903324.200780001 | 0 | 0 | 0 | 0 | 0.1182532176675937 | 5279058.54194 | 0.04952014005725682 | 5029973.547389 | 0.16284924310958557 | 4325559.46284 | -0.10915413641292289 | 4855564.40193 Provisions pour créances douteuses | 246063.27403000003 | 0.06496419424237625 | 262048.57636 | 0 | 0 | 0 | 0 | 0.17942417903095548 | 222183.48667 | 0.06486081581842533 | 208650.26055 | 0.08978554731531672 | 191459.92628 | 0.1020600757698391 | 173729.11921 Portefeuille de crédit improductif | 505539.25089 | -0.11352625349853979 | 448147.27374 | 0 | 0 | 0 | 0 | 0.19159139653859592 | 376091.39764 | 0.8143811627345771 | 207283.56608000002 | -0.5561815364070304 | 467045.83762000006 | -0.30675495099030475 | 673709.5898300001 Im/ Av | 0.5471329112840786 | -0.5471329112840786 Liq / Ac | 0.19304194134070932 Liq \ De | 0.26957362242528843 [sgbelcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 67414.78419 | 0.005185354630861524 | 25655.77406 | 0.0019715476194052763 | 0 | 0 | 0 | 0 | 92091.78353 | 0.007838065438004763 | 88270.42455 | 0.008758030544286824 | 45626.62983 | 0.005896484008395134 | 33777.61969 | 0.0040388249935803065 Avoirs à la BRH | 2249158.65563 | 0.1729989258386336 | 2206313.13033 | 0.16954668331549513 | 0 | 0 | 0 | 0 | 1970852.73521 | 0.1677421384961492 | 1399708.7097399998 | 0.1388765455190871 | 973212.7014599999 | 0.1257715757729003 | 989615.4772099999 | 0.11832934825105344 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 | 176203.2168 | 0.013553053342594658 | 204159.92827 | 0.01568890572614711 | 0 | 0 | 0 | 0 | 266295.70171 | 0.022664813904732687 | 158746.76059 | 0.015750564077850103 | 130120.88674000002 | 0.01681596319253292 | 102226.08649999999 | 0.012223279110290152 Autres liquidités | 16961.19962 | 0.001304607528619513 | 20680.721980000002 | 0.0015892339904419698 | 0 | 0 | 0 | 0 | 27133.451950000002 | 0.0023093675004543365 | 48261.75186 | 0.004788443004159895 | 71322.52186000001 | 0.009217251222648597 | 5765.78631 | 0.0006894210447684501 2509737.85624 | 0.19304194134070932 | 2456809.55464 | 0.1887963706514895 | 0 | 0 | 0 | 0 | 2356373.6724 | 0.20055438533934097 | 1694987.64674 | 0.16817358314538394 | 1220282.7398899999 | 0.15770127419647692 | 1131384.96971 | 0.13528087339969236 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 | 2744200.76346 | 0.21107616538112128 | 2612752.3677 | 0.20077997641340445 | 0 | 0 | 0 | 0 | 2327832.95751 | 0.19812524364634312 | 1717552.29115 | 0.17041240601239993 | 745023.96046 | 0.09628197140774004 | 962311.2083999999 | 0.11506454853119895 Portefeuille net | 5562221.41577 | 0.4278303479375139 | 5641275.62442 | 0.4335103474844939 | 0 | 0 | 0 | 0 | 5056875.055269999 | 0.43039797988175854 | 4821323.286839 | 0.47836290382968716 | 4134099.53656 | 0.5342636941905331 | 4681835.28272 | 0.5598118970258219 Immobilisations | 547799.35028 | 0.0421351774968477 | 551707.70891 | 0.042396616744645975 | 0 | 0 | 0 | 0 | 553756.39289 | 0.047131010800451754 | 645881.5596399999 | 0.06408319044749322 | 767647.23477 | 0.09920565382047745 | 587881.4545400001 | 0.07029359480180994 Autres actifs | 1637038.42234 | 0.12591636784380786 | 1750467.3682600001 | 0.1345166887059662 | 0 | 0 | 0 | 0 | 1454462.0851399999 | 0.11187311209566903 | 1199053.65138 | 0.11896791656503576 | 870884.8938000001 | 0.06698600420177622 | 999816.4257599998 | 0.11954908624147684 13000997.80809 | 1 | 13013012.62393 | 1 | 0 | 0 | 0 | 0 | 11749300.163209999 | 0.9037229554718393 | 10078798.435749 | 1 | 7737938.365479999 | 0.5951803453627991 | 8363229.34113 | 1 0 | 0 PASSIF | 0 | 0 Dépôts | 0 | 0 À vue | 4885280.940747099 | 0.3757620001833386 | 4219091.846919413 | 0.32422099085347883 | 0 | 0 | 0 | 0 | 3706701.504433726 | 0.315482748158936 | 2801077.98982 | 0.277917849798912 | 1786680.5859299998 | 0.2308987874471353 | 2063495.00366 | 0.24673423620129856 Épargne | 1359372.9090032 | 0.10455912146660903 | 1347814.246756743 | 0.10357434405913116 | 0 | 0 | 0 | 0 | 1182869.097142448 | 0.10067570669837063 | 938439.2143900001 | 0.09311022741177188 | 617173.14228 | 0.07975937686881739 | 772508.68417 | 0.09236966399699645 À terme | 3065373.7177116 | 0.23577988112605794 | 3685687.739702517 | 0.2832309355425354 | 0 | 0 | 0 | 0 | 3132248.0564090954 | 0.2665901809383463 | 2848898.48685 | 0.2826625123035597 | 1971299.91882 | 0.25475776953900775 | 2442085.99376 | 0.2920027532606247 9310027.567461899 | 0.7161010027760055 | 9252593.833378673 | 0.7110262704551453 | 0 | 0 | 0 | 0 | 8021818.657985269 | 0.6827486357956529 | 6588415.69106 | 0.6536905895142436 | 4375153.64703 | 0.5654159338549604 | 5278089.68159 | 0.6311066534589197 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 | 201613.35203999997 | 0.01550752911553789 | 279979.51761000004 | 0.021515349727328915 | 0 | 0 | 0 | 0 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 | 238151.85418 | 0.03077717124789052 | 160795.95508 | 0.019226538998424025 201613.35203999997 | 0.01550752911553789 | 279979.51761000004 | 0.021515349727328915 | 0 | 0 | 0 | 0 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 | 238151.85418 | 0.03077717124789052 | 160795.95508 | 0.019226538998424025 Obligations à terme Banques locales | 1714426.51183 | 0.13186884092566964 | 1686188.13892 | 0.12957707701130025 | 0 | 0 | 0 | 0 | 1742664.8847400001 | 0.14832073915318975 | 1733797.70961 | 0.17202424680508593 | 1738551.7711500002 | 0.22467893759737312 | 1945749.74799 | 0.23265531394922856 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3713.0963899999997 | 0.00047985603071803084 | 0 | 0 Autres | 390736.00196 | 0.030054308732892845 | 410639.17139000003 | 0.031556041883403996 | 0 | 0 | 0 | 0 | 348392.19339000003 | 0.029652165537561396 | 294251.50182999996 | 0.029195097382472144 | 314208.01317 | 0.04060616643985236 | 102014.82672 | 0.012198018559445153 2105162.51379 | 0.16192314965856253 | 2096827.31031 | 0.16113311889470425 | 0 | 0 | 0 | 0 | 2091057.0781300003 | 0.17797290469075117 | 2028049.21144 | 0.20121934418755807 | 2056472.8807100002 | 0.26576496006794353 | 2047764.57471 | 0.24485333250867372 Autres passifs | 382976.31792 | 0.029457455771716937 | 406844.1391 | 0.03126440823947582 | 0 | 0 | 0 | 0 | 396520.58557 | 0.03374844289122898 | 419297.56834 | 0.04160194005396241 | 190886.39661999998 | 0.0246688959777155 | 167938.88543 | 0.02008062658333233 11999779.751211898 | 0.9229891373218229 | 12036244.800398674 | 0.9249391473166544 | 0 | 0 | 0 | 0 | 10797166.102295268 | 0.9189624873236194 | 9219061.29336 | 0.9146984486424935 | 6860664.778539999 | 0.8866269611485099 | 7654589.09681 | 0.9152671515493498 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0.023075151955900035 | 300000 | 0.02305384684314541 | 0 | 0 | 0 | 0 | 300000 | 0.025533435679801177 | 300000 | 0.029765452887311927 | 300000 | 0.03877001674481423 | 250000 | 0.029892759100902666 Réserves | 320545.12954 | 0.02465542524286387 | 325098.58746 | 0.024982576814085843 | 0 | 0 | 0 | 0 | 291655.27446 | 0.024823203970330564 | 314508.72972 | 0.031204982590429933 | 395392.36360000004 | 0.05109789519181226 | 305532.74332999997 | 0.03653286677520646 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 | 380672.9273200001 | 0.02928028547802097 | 351669.23606 | 0.027024429025243966 | 0 | 0 | 0 | 0 | 360478.78646999993 | 0.030680873027548423 | 245228.41199 | 0.024331115812395547 | 181881.22316999998 | 0.023505126892893975 | 153107.5009 | 0.018307222563779754 1001218.0568600001 | 0.07701086267678488 | 976767.8235200001 | 0.07506085268247523 | 0 | 0 | 0 | 0 | 952134.0609299999 | 0.08103751267768017 | 859737.1417099999 | 0.0853015512901374 | 877273.58677 | 0.11337303882952046 | 708640.24423 | 0.08473284843988887 13000997.808071898 | 0.9999999999986077 | 13013012.623918675 | 0.9999999999991297 | 0 | 0 | 0 | 0 | 11749300.163225269 | 1.0000000000012996 | 10078798.43507 | 0.9999999999326309 | 7737938.365309999 | 0.9999999999780304 | 8363229.34104 | 0.9999999999892387 [sgbelgdes&$] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 2693.6381800000004 | 22962.135879999998 | 25655.77406 | 0.10499149913389907 | 47247.45638 | 44844.32715 | 92091.78353 | 0.5130474681773166 Avoirs à la BRH | 1617333.7323000003 | 588979.3980299999 | 2206313.13033 | 0.7330481381208542 | 1441163.44401 | 529689.2912 | 1970852.73521 | 0.7312385234386576 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 129327.65106 | 74832.27721 | 204159.92827 | 0.6334624632555961 | 103095.03791 | 163200.6638 | 266295.70171 | 0.38714495670783317 Autres liquidités | 13030.20125 | 7650.52073 | 20680.721980000002 | 0.6300651042357854 | 14171.20684 | 12962.24511 | 27133.451950000002 | 0.5222780671664594 1762385.2227900003 | 694424.3318499998 | 2456809.55464 | 0.7173471055017308 | 1605677.1451400002 | 750696.52726 | 2356373.6724 | 0.6814187257085568 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 | 1826095.79063 | 786656.57707 | 2612752.3677 | 0 | 1691176.38044 | 636656.57707 | 2327832.95751 | 0.7265024644418606 Portefeuille net | 3242891.67403 | 2398383.9503900004 | 5641275.62442 | 0.5748507766562839 | 2541323.01723 | 2515552.03804 | 5056875.055269999 | 0.502548113104272 Immobilisations | 0 | 551707.70891 | 551707.70891 | 0 | 0 | 553756.39289 | 553756.39289 | 0 Autres actifs | 1348634.12391 | 401833.24435 | 1750467.3682600001 | 0.7704423106444821 | 1056214.29246 | 398247.79268 | 1454462.0851399999 | 0.7261889486506165 | 297367.42498 8180006.81136 | 4833005.812570001 | 13013012.62393 | 0.6286020806832656 | 6894390.835270001 | 4854909.32794 | 11749300.16321 | 0.5867916164792575 | 297367.42498 297367.42498 PASSIF | 297367.42498 Dépôts | 297367.42498 À vue | 3605573.5053694127 | 613518.34155 | 4219091.846919413 | 0.8545852131666763 | 3061375.725333726 | 645325.7790999999 | 3706701.504433726 | 0.8259029548702259 Épargne | 1001068.429446743 | 346745.81731 | 1347814.246756743 | 0.7427347142646864 | 870216.252482448 | 312652.84465999994 | 1182869.097142448 | 0.7356826335092357 À terme | 2923585.362542517 | 762102.3771600001 | 3685687.739702517 | 0.7932265479382387 | 2424867.9351790952 | 707380.1212300002 | 3132248.0564090954 | 0.7741621645250657 7530227.297358673 | 1722366.5360200002 | 9252593.833378673 | 0.8138504113509691 | 6356459.9129952695 | 1665358.74499 | 8021818.65798527 | 0.7923963609757958 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 | 139646.80181 | 140332.7158 | 279979.51761 | 0.49877506398351 | 121438.33314999999 | 166331.44745999997 | 287769.78060999996 | 0.4219982129206934 139646.80181 | 140332.7158 | 279979.51761 | 0.49877506398351 | 121438.33314999999 | 166331.44745999997 | 287769.78060999996 | 0.4219982129206934 Obligations à terme Banques locales | 0 | 1686188.13892 | 1686188.13892 | 0 | 0 | 1742664.8847400001 | 1742664.8847400001 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 368644.56 | 41994.61138999998 | 410639.17139 | 0.8977335473188064 | 278960.139 | 69432.05439 | 348392.19339000003 | 0 368644.56 | 1728182.75031 | 2096827.31031 | 0.1758106441037811 | 278960.139 | 1812096.93913 | 2091057.07813 | 0.1334062766232425 Autres passifs | 144696.90665000002 | 262147.23244999995 | 406844.1391 | 0.35565685417047227 | 134299.03019999998 | 262221.55537 | 396520.58557 | 0.3386937149982883 8183215.565818673 | 3853029.2345800004 | 12036244.800398674 | 0.6798811175348994 | 3569028.71031 | 3906008.68695 | 10797166.10229527 | 0.3305523575812447 AVOIR DES ACTIONNAIRES Capital versé | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Réserves | 0 | 325098.58746 | 325098.58746 | 0 | 0 | 291655.27446 | 291655.27446 | 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 | 351669.23606 | 351669.23606 | 0 | 0 | 360478.78646999993 | 360478.78646999993 | 0 0 | 976767.8235200001 | 976767.8235200001 | 0 | 952134.0609299999 | 952134.0609299999 8183215.565818673 | 4829797.0581 | 13013012.623918673 | 0.6288486611299714 | 6891157.41534527 | 4858142.74788 | 11749300.16322527 | 0.5865164154129157 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes [SGBELRÉSULT ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 118624.67507999999 | 0.30159236403280043 | 154400.97127 | 0 | 0 | 0 | 0 | 106928.60608 | 0.18747847264558667 | 126975.41782999999 | 0.011339240733412503 | 128415.22266 | 0.10450398287694701 | 141835.12488999998 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 29182.915700000005 | 0.47556542885123737 | 43061.301520000015 | 0 | 0 | 0 | 0 | 10947.51756 | 0.16682577214336064 | 12773.84563 | 0.030158680569556666 | 13159.087959999997 | 0 | 30234.742500000004 147807.59078 | 0.33594135286263554 | 197462.27279000002 | 0 | 0 | 0 | 0 | 117876.12364 | 0.1855603929325138 | 139749.26346 | 0.013059440277639776 | 141574.31062 | 0.2154031803965705 | 172069.86738999997 Dépenses d'intérêt | 41304.206584987005 | 0.09900958832392664 | 45393.71907501299 | 0 | 0 | 0 | 0 | 39285.05425 | 0.017458104693848047 | 39970.89684 | 0.024358812275977026 | 40944.540412628005 | 0.015123914382197075 | 41563.782136247 106503.384195013 | 0.4278283724444093 | 152068.55371498704 | 0 | 0 | 0 | 0 | 78591.06939 | 0.26958911991463336 | 99778.36661999999 | 0.008532947734197067 | 100629.770207372 | 0.29689340425615196 | 130506.08525375297 AUTRES REVENUS Commissions | 3889.0671199999997 | 0.44728666446877935 | 5628.594980000002 | 0 | 0 | 0 | 0 | 4873.622629999998 | 0.07590970374331274 | 5243.577880000003 | 0.1747318149873651 | 6159.797760000003 | -0.00303959654675602 | 6141.074459999992 Gains sur change | 7234.12361 | 0.029831292860642813 | 7449.92687 | 0 | 0 | 0 | 0 | 3147.7153200000002 | -0.2663478220768706 | 2309.3282000000004 | 0.1521474773486072 | 2660.6866600000003 | -1.1171010381207382 | -311.56917 Autres | 8082.119930000001 | 0.34092536783229815 | 10837.519639999999 | 0 | 0 | 0 | 0 | 6282.28881 | 0.045561880177234504 | 6568.521700000001 | 0.01562649781609132 | 6671.16469 | 8.846660160926113 | 65688.69158 19205.31066 | 0.24528271962875922 | 23916.04149 | 0 | 0 | 0 | 0 | 14303.62676 | -0.012737956817323691 | 14121.427780000004 | 0.09703135910524764 | 15491.649110000004 | 3.6165644704561712 | 71518.19686999999 PRODUIT NET BANCAIRE | 125708.694855013 | 0.3999397210189804 | 175984.59520498704 | 0 | 0 | 0 | 0 | 92894.69615 | 0.22611730400713498 | 113899.79439999998 | 0.019505082771001155 | 116121.419317372 | 0.7397675925024602 | 202024.28212375296 Dotation à la provision pour créances douteuses | -4900.864129999998 | 3.7546162558071163 | 13499.999999999998 | 0 | 0 | 0 | 0 | -17835.72902 | 1.3364034065146388 | 6000 | 1.5158245029548803e-16 | 6000.000000000001 | 1.8168106883333328 | 16900.864129999998 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 130609.558985013 | 0.2440482646728145 | 162484.59520498704 | 0 | 0 | 0 | 0 | 110730.42517 | -0.02556326109697731 | 107899.79439999998 | 0.02058970482497985 | 110121.419317372 | 0.681084562306846 | 185123.41799375296 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 37936.44096 | 0.014071260415884907 | 38470.2545 | 0 | 0 | 0 | 0 | 29432.390459999995 | 0.11203343691982268 | 32729.802319999995 | 0.058086407654172736 | 34630.95896 | 0.06587586276877336 | 36912.303259999986 Frais de locaux | 17579.21165 | 0.03842936949905809 | 18254.769669999998 | 0 | 0 | 0 | 0 | 13632.85044 | 0.04472530397685487 | 14242.58382 | 0.05404897452097291 | 15012.38087 | 0.017576331981244267 | 15276.243460000002 Amortissement | 3713.60757 | 0.03842739096958481 | 3856.31182 | 0 | 0 | 0 | 0 | 4683.08713 | 0.02002690263847406 | 4776.874860000001 | 0.006810921565568965 | 4809.409779999999 | -0.022088598156424524 | 4703.176660000001 Autres dépenses d'exploitation | 22055.544840000002 | 0.6669999683399308 | 36766.59254999993 | 0 | 0 | 0 | 0 | 22287.78549 | -0.11208081489840287 | 19789.75233 | -0.051855004190443914 | 18763.554640000002 | 0.23662479179371526 | 23203.476850000003 81284.80502 | 0.19761532940932353 | 97347.92853999994 | 0 | 0 | 0 | 0 | 70036.11352 | 0.021458926466141275 | 71539.01333 | 0.02344582126486555 | 73216.30425000002 | 0.0939530621009182 | 80095.20022999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 49324.753965013006 | 0.3205674925654934 | 65136.666664987104 | 0 | 0 | 0 | 0 | 40694.31165 | -0.1064898361537962 | 36360.78106999998 | 0.014970360409037266 | 36905.11506737198 | 1.845898666675856 | 105028.21776375297 Impôts sur le revenu | 13317.683571899997 | 0.3205674923308724 | 17586.899998200035 | 0 | 0 | 0 | 0 | 10987.463983499994 | -0.1064898227340805 | 9817.410891599986 | 0.014970359927154377 | 9964.381066200003 | 1.845898667142646 | 28357.618795200007 BÉNÉFICE NET | 36007.07039311301 | 0.3205674926522708 | 47549.766666787065 | 0 | 0 | 0 | 0 | 29706.84766650001 | -0.1064898411172526 | 26543.370178399997 | 0.014970360587267924 | 26940.73400117198 | 1.8458986665032078 | 76670.59896855296 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 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 | 118624.67507999999 | 0.1093820393697962 | 106928.60608 | 154400.97127 | 0.21599104699713215 | 126975.41782999999 | 0 | 0 | 128415.22266 | 0 | 0 | 141835.12488999998 | 273025.64635 | 0.16725502103825696 | 233904.02391 | 504154.37145999994 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 29182.915700000005 | 1.6657107915157348 | 10947.51756 | 43061.301520000015 | 2.371052286624511 | 12773.84563 | 0 | 0 | 13159.087959999997 | 0 | 0 | 30234.742500000004 | 72244.21722000002 | 2.0455339619965582 | 23721.36319 | 67115.19365 147807.59078 | 0.2539230695387668 | 117876.12364 | 197462.27279000002 | 0.41297540968091795 | 139749.26346 | 0 | 0 | 141574.31062 | 0 | 0 | 172069.86738999997 | 345269.86357000005 | 0.3402012412541468 | 257625.3871 | 571269.56511 Dépenses d'intérêt | 41304.206584987005 | 0.05139746841477262 | 39285.05425 | 45393.71907501299 | 0.1356692659842002 | 39970.89684 | 0 | 0 | 40944.540412628005 | 0 | 0 | 41563.782136247 | 86697.92566 | 0.0938979908467589 | 79255.95109 | 161764.273638875 106503.384195013 | 0.35515886247203277 | 78591.06939 | 152068.55371498704 | 0.5240633703108324 | 99778.36661999999 | 0 | 0 | 100629.770207372 | 0 | 0 | 130506.08525375297 | 258571.93791000004 | 0.44964262765008467 | 178369.43601 | 409505.291471125 AUTRES REVENUS Commissions | 3889.0671199999997 | -0.2020171820320029 | 4873.622629999998 | 5628.594980000002 | 0.07342641013658387 | 5243.577880000003 | 0 | 0 | 6159.797760000003 | 0 | 0 | 6141.074459999992 | 9517.662100000001 | -0.059259318761885366 | 10117.20051 | 22418.072729999996 Gains sur change | 7234.12361 | 1.2982140614927016 | 3147.7153200000002 | 7449.92687 | 2.22601476481342 | 2309.3282000000004 | 0 | 0 | 2660.6866600000003 | 0 | 0 | -311.56917 | 14684.05048 | 1.6908435723818447 | 5457.043520000001 | 7806.161010000002 Autres | 8082.119930000001 | 0.2864928968459826 | 6282.28881 | 10837.519639999999 | 0.6499176123601749 | 6568.521700000001 | 0 | 0 | 6671.16469 | 0 | 0 | 65688.69158 | 18919.63957 | 0.47225262992380684 | 12850.810510000001 | 85210.66678 19205.31066 | 0.3426881854682847 | 14303.62676 | 23916.04149 | 0.693599391123324 | 14121.427780000004 | 0 | 0 | 15491.649110000004 | 0 | 0 | 71518.19686999999 | 43121.35215 | 0.5170191525690557 | 28425.054540000005 | 115434.90052 PRODUIT NET BANCAIRE | 125708.694855013 | 0.3532386677063586 | 92894.69615 | 175984.59520498704 | 0.5450826415625827 | 113899.79439999998 | 0 | 0 | 116121.419317372 | 0 | 0 | 202024.28212375296 | 301693.29006 | 0.4589039062772072 | 206794.49055000002 | 524940.191991125 Dotation à la provision pour créances douteuses | -4900.864129999998 | 0.7252221019670998 | -17835.72902 | 13499.999999999998 | 1.2499999999999998 | 6000 | 0 | 0 | 6000.000000000001 | 0 | 0 | 16900.864129999998 | 8599.13587 | 1.7265404484564653 | -11835.729019999999 | 11065.13511 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 130609.558985013 | 0.1795272959937918 | 110730.42517 | 162484.59520498704 | 0.5058841966151797 | 107899.79439999998 | 0 | 0 | 110121.419317372 | 0 | 0 | 185123.41799375296 | 293094.15419000003 | 0.340593056012362 | 218630.21957000002 | 513875.056881125 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 37936.44096 | 0.2889350938571371 | 29432.390459999995 | 38470.2545 | 0.1753891491270091 | 32729.802319999995 | 0 | 0 | 34630.95896 | 0 | 0 | 36912.303259999986 | 76406.69546 | 0.22915058241933553 | 62162.19277999999 | 133705.455 Frais de locaux | 17579.21165 | 0.2894744006301885 | 13632.85044 | 18254.769669999998 | 0.28170350974981995 | 14242.58382 | 0 | 0 | 15012.38087 | 0 | 0 | 15276.243460000002 | 35833.98132 | 0.2855039668895905 | 27875.43426 | 58164.05859 Amortissement | 3713.60757 | -0.20701719465979695 | 4683.08713 | 3856.31182 | -0.19271240444427318 | 4776.874860000001 | 0 | 0 | 4809.409779999999 | 0 | 0 | 4703.176660000001 | 7569.91939 | -0.19979388944669532 | 9459.96199 | 18972.54843 Autres dépenses d'exploitation | 22055.544840000002 | -0.010420086378891118 | 22287.78549 | 36766.59254999993 | 0.8578601660549396 | 19789.75233 | 0 | 0 | 18763.554640000002 | 0 | 0 | 23203.476850000003 | 58822.13738999993 | 0.39794627816937067 | 42077.53782 | 84044.56931 81284.80502 | 0.16061273155581007 | 70036.11352 | 97347.92853999994 | 0.3607669998319214 | 71539.01333 | 0 | 0 | 73216.30425000002 | 0 | 0 | 80095.20022999999 | 178632.73355999994 | 0.2617522409092578 | 141575.12685 | 294886.63133 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 49324.753965013006 | 0.21207982062065428 | 40694.31165 | 65136.666664987104 | 0.7913989949662854 | 36360.78106999998 | 0 | 0 | 36905.11506737198 | 0 | 0 | 105028.21776375297 | 114461.4206300001 | 0.4854491324269225 | 77055.09272000002 | 218988.42555112502 Impôts sur le revenu | 13317.683571899997 | 0.21207983861419902 | 10987.463983499994 | 17586.899998200035 | 0.7913989943364611 | 9817.410891599986 | 0 | 0 | 9964.381066200003 | 0 | 0 | 28357.618795200007 | 30904.583570100032 | 0.48544914380079957 | 20804.87487509998 | 59126.87473649999 BÉNÉFICE NET | 36007.07039311301 | 0.21207981396550785 | 29706.84766650001 | 47549.766666787065 | 0.791398995199234 | 26543.370178399997 | 0 | 0 | 26940.73400117198 | 0 | 0 | 76670.59896855296 | 83556.83705990006 | 0.48544912822014613 | 56250.217844900035 | 159861.55081462505 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 273025.64635 | 0.16725502103825696 | 233904.02391 | 504154.37145999994 | -0.04864682193806706 | 529933.9751899999 | -0.11708803932859888 | 600211.57125 | 0.07301436839641733 | 559369.55639 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 72244.21722000002 | 2.0455339619965582 | 23721.36319 | 67115.19365 | 1.3117820354313419 | 29031.799980000003 | 1.1462495557952865 | 13526.75876 | -0.4215103039300804 | 23382.886249999996 345269.86357000005 | 0.3402012412541468 | 257625.3871 | 571269.56511 | 0.02201170534324406 | 558965.7751699999 | -0.08924414878749332 | 613738.33001 | 0.05317161302598227 | 582752.44264 Dépenses d'intérêt | 86697.92566 | 0.0938979908467589 | 79255.95109 | 161764.273638875 | 0.041186249571496025 | 155365.35726 | -0.14433742820447154 | 181573.16024 | -0.26256024156825547 | 246221.00743000003 258571.93791000004 | 0.44964262765008467 | 178369.43601 | 409505.291471125 | 0.014630494169710599 | 403600.41790999996 | -0.06609683949125827 | 432165.16977000004 | 0.28417474433056544 | 336531.43521 AUTRES REVENUS Commissions | 9517.662100000001 | -0.059259318761885366 | 10117.20051 | 22418.072729999996 | 0.0651965355925976 | 21045.949719999997 | -0.11813599489783431 | 23865.300769999998 | 0.3583651339024408 | 17569.135260000003 Gains sur change | 14684.05048 | 1.6908435723818447 | 5457.043520000001 | 7806.161010000002 | -0.6010075300715816 | 19564.682539999998 | -0.608612221926647 | 49987.975190000005 | 1.3463635189092802 | 21304.446130000004 Autres | 18919.63957 | 0.47225262992380684 | 12850.810510000001 | 85210.66678 | 1.3413139305349486 | 36394.379100000006 | -0.04998515985984101 | 38309.274300000005 | 1.7071083159386375 | 14151.36368 43121.35215 | 0.5170191525690557 | 28425.054540000005 | 115434.90052 | 0.49905698968524886 | 77005.01136 | -0.3134516718682177 | 112162.55026 | 1.115278952423816 | 53024.94507000001 PRODUIT NET BANCAIRE | 301693.29006 | 0.4589039062772072 | 206794.49055000002 | 524940.191991125 | 0.09224773592022438 | 480605.42926999996 | -0.11706604020917423 | 544327.7200300001 | 0.397301514196111 | 389556.38028000004 Dotation à la provision pour créances douteuses | 8599.13587 | -1.7265404484564653 | -11835.729019999999 | 11065.13511 | -0.7101019931550905 | 38169.06239000001 | -0.4548554297887071 | 70016.40385999999 | 1.1040100502705938 | 33277.59953 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 293094.15419000003 | 0.340593056012362 | 218630.21957000002 | 513875.056881125 | 0.1614665867204832 | 442436.36688 | -0.0672025907949784 | 474311.3161700001 | 0.3312926331776779 | 356278.78075000003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 76406.69546 | 0.22915058241933553 | 62162.19277999999 | 133705.455 | 0.022683683752367855 | 130739.79483999997 | 0.09225518483576824 | 119697.11534 | 0.14860336496865487 | 104211.00877 Frais de locaux | 35833.98132 | 0.2855039668895905 | 27875.43426 | 58164.05859 | 0.1790164787618951 | 49332.693510000005 | 0.05880450071849114 | 46592.82566 | 0.14215284257692892 | 40793.86219 Amortissement | 7569.91939 | -0.19979388944669532 | 9459.96199 | 18972.54843 | -0.020209238917490813 | 19363.877660000002 | 0.11487532030262587 | 17368.64859 | 0.2252690793554905 | 14175.37493 Autres dépenses d'exploitation | 58822.13738999993 | 0.39794627816937067 | 42077.53782 | 84044.56931 | 0.015740797351912778 | 82742.14202 | -0.009560738240887698 | 83540.85426000001 | 0.1718555969927211 | 71289.37599 178632.73355999994 | 0.2617522409092578 | 141575.12685 | 294886.63133 | 0.04503575906159715 | 282178.50802999997 | 0.056059488613340494 | 267199.44385 | 0.15936947208220062 | 230469.62188 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 114461.4206300001 | 0.4854491324269225 | 77055.09272000002 | 218988.42555112502 | 0.3664754235615759 | 160257.85885000002 | -0.22622562842562635 | 207111.87232000014 | 0.6462384311305274 | 125809.15887000004 Impôts sur le revenu | 30904.583570100032 | 0.48544914380079957 | 20804.87487509998 | 59126.87473649999 | 0.394729207997185 | 42393.085623700026 | -0.22561407313704365 | 54744.1322900001 | 1.74560407614133 | 19938.82977 BÉNÉFICE NET | 83556.83705990006 | 0.48544912822014613 | 56250.217844900035 | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999 | -0.2264453538321608 | 152367.74003000004 | 0.4391920883336517 | 105870.32910000005 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 248522304.96947524 | 0.055973526815995656 | 262432974.8710572 | 0 | 0 | 0 | 0 | 0.1999310777215871 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 | 0.5007335613533734 | 120956205.49325176 | -0.11653902841220871 | 136911770.16667125 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 57215399.10988 | 0.008314580586712235 | 57691121.15658 | 0 | 0 | 0 | 0 | 0.10477946217086481 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003 | -0.19103341200633464 | 38736782.90442001 Dépôts | 212059987.11934546 | 0.04895103423824408 | 222440542.80938613 | 0 | 0 | 0 | 0 | 0.18858138963702678 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 | 0.5242263625731667 | 102797482.25206877 | -0.1137009940448456 | 115985103.85474831 Avoir des Actionnaires | 18663184.53247 | 0.10855090511672068 | 20689090.10583 | 0 | 0 | 0 | 0 | 0.2564449621745361 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 | 0.19188117790730216 | 11181897.76121 | -0.07584446130212907 | 12099584.207400002 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 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. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) Résultats Revenus nets d'intérêt | 1573493.5649200003 | 0.8025948736378395 | 872904.7152700002 | 1724234.2299499994 | 0.8546234023611645 | 929695.06788 | 0 | 0 | 926345.339 | 0 | 0 | 1176642.54808 | 3297727.7948699994 | 0.8294287094095278 | 1802599.78315 Autres revenus | 2701869.51614 | 1.2660916448083752 | 1192303.7280200003 | 2306082.8515300006 | 0.48984007258926227 | 1547872.7508800002 | 0 | 0 | 2274614.4204599997 | 0 | 0 | 2118004.33666 | 5007952.3676700005 | 0.8276021293637124 | 2740176.4789000005 Dot. à la prov. pr créances douteuses | 102422.978 | 7.549348892773816 | 11980.207999999999 | 111692.875 | 1.801658854794921 | -139327.18928 | 0 | 0 | -69173.32841 | 0 | 0 | 10094.44786 | 214115.853 | 2.6813578998721597 | -127346.98127999999 Dépenses d'exploitation | 1613089.3957600002 | 0.14732633381211657 | 1405955.17441 | 1875732.4281699997 | 0.2407739229740246 | 1511743.91518 | 0 | 0 | 1571209.0864 | 0 | 0 | 1835704.2272800002 | 3488821.82393 | 0.19574422063525923 | 2917699.08959 Bénéfice (perte) net | 2209856.5451999996 | 2.649065436925892 | 605595.2088000003 | 1758421.5338500005 | 0.771778513170155 | 992461.2590000002 | 0 | 0 | 1448631.14946 | 0 | 0 | 1424736.9001599997 | 3968278.07905 | 1.4831901494150679 | 1598056.467800001 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 22) | (oct. - déc. 21) | (janv. - mars 23) | (janv. - mars 22) | (avril - juin 23) | (avril - juin 22) | (juil. - sept. 23) | (juil. - sept. 22) | (oct. - mars. 23) | (oct. - mars. 22) | 2022 | 2021 | 2020 | 2019 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07509661772516678 | 0.07501807515558408 | 0.07883571077908672 | 0.07758728737959601 | 0 | 0.07298972053179775 | 0 | 0.07528974387734151 | 0.07883571077908672 | 0.07758728737959601 | 0.07528974387734151 | 0.0734203971703253 | 0.0924458378601654 | 0.08837504761402487 Dépôts en % de l'actif | 0.8532835197444018 | 0.8644842417411513 | 0.8476089672750888 | 0.8509749691821498 | 0 | 0.8662947098197487 | 0 | 0.8557027313876048 | 0.8476089672750888 | 0.8509749691821498 | 0.8557027313876048 | 0.8631776716154627 | 0.8498735706272129 | 0.8471521748170548 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.011291345643897582 | 0.0012444096297049678 | 0.00233734323813193 | 0.0020334703426735747 | 0 | 0.0020469217341074764 | 0 | 0.00150175380596432 | 0.00233734323813193 | 0.0020334703426735747 | 0.00150175380596432 | 0.00510104968168687 | 0.007357425798568143 | 0.007531583505766791 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.4402901001321995 | 15.52892382998423 | 7.972499442770248 | 7.769483162232821 | 0 | 7.19781739606222 | 0 | 9.169258965939676 | 7.972499442770248 | 7.769483162232821 | 9.169258965939676 | 4.3646363278449485 | 3.4385272737597514 | 1.741309741311233 Prêts improductifs nets en % de l'avoir des actionnaires | -0.015492899917854087 | -0.05325811370584367 | -0.046307119696870055 | -0.04006211592461645 | 0 | -0.03880314185298652 | 0 | -0.03944924059046916 | -0.046307119696870055 | -0.04006211592461645 | -0.03944924059046916 | -0.05380588016584977 | -0.05158466141060321 | -0.018112253111637455 Rentabilité ROA (rendement de l'actif) | 0.037837659694226165 | 0.013193213907987396 | 0.027531513668261513 | 0.02087308769862451 | 0 | 0.028917322415471455 | 0 | 0.02683211789763392 | 0.03299065304278136 | 0.01699114849890916 | 0.022344288908249615 | 0.026942727683757217 | 0.004703772889657475 | 0.02259035407657341 ROE (rendement avoir des action.) | 0.5032472402782824 | 0.17773830903005863 | 0.3574729135761009 | 0.2734475711121911 | 0 | 0.384420490784114 | 0 | 0.3617459899133362 | 0.4272080450567972 | 0.22481981389435535 | 0.3001573948726735 | 0.33250992580766514 | 0.05209944945323502 | 0.25113775407264566 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8743166236176858 | 0.8196891011932392 | 0.851717777207179 | 0.8228894595655942 | 0 | 0.8049924557813037 | 0 | 0.8383169864575818 | 0.8623531534158136 | 0.8213365786880824 | 0.8223947513581819 | 0.8144197355633667 | 0.7526856023912105 | 0.7713337934352702 Rendement moyen des prêts | 0.09343527434788128 | 0.08110200438311217 | 0.09559326437023316 | 0.08129511629964044 | 0 | 0.08003014934419056 | 0 | 0.08616690466955708 | 0.09648258901158396 | 0.07946074003223277 | 0.07746518073442459 | 0.07923305842060718 | 0.10349718727420207 | 0.10914966133935232 Rendement moyen des prêts productifs | 0.09405852332098852 | 0.08136155684165879 | 0.09624681936865803 | 0.0814296807005268 | 0 | 0.08019377262685874 | 0 | 0.08631841208813087 | 0.09667026246235086 | 0.07974209156610382 | 0.07770523120931115 | 0.07971792423496582 | 0.10427436132643232 | 0.10965032220657434 Rémunération moyenne des dépôts | 0.004532782905914557 | 0.004842563642848403 | 0.0055269980924393825 | 0.004907350022829359 | 0 | 0.005215718597937413 | 0 | 0.004964755579890735 | 0.005140533390345614 | 0.004865563002892743 | 0.004906166998469684 | 0.00552208416672816 | 0.009864320691438952 | 0.009444605335615003 Dépenses d'exploitation en % du produit net bancaire | 0.37729880835291857 | 0.6807812446138509 | 0.46540567162551866 | 0.6101725667136788 | 0 | 0.49085561971109004 | 0 | 0.5571778377168534 | 0.4200525129374915 | 0.6422722408682617 | 0.572965483892479 | 0.5273483255696426 | 0.892320545087006 | 0.5811749575711319 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 12663.052442976674 | 6293.968589074287 | 12008.393538860335 | 7454.134091793908 | 0 | 9562.239759402539 | 0 | 9809.145916605881 | 12368.84610951601 | 6857.020772905662 | 8302.657319481008 | 7150.438652770809 | 4908.461462201694 | 6122.430413302108 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.mars. 23 | SEPTEMBRE Déc. 22 | Var. | Mars 23 | Var. | Juin 23 | Var. | Sept. 23 | /sept. 22 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 ACTIF Disponibilités Encaisse | 4412972.5885839 | 0.9873397019715967 | 8770075.629005153 | 0 | 0 | 0 | 0 | 0.6428777396867061 | 5338239.978026357 | 0.06204019493204622 | 5026401.075495942 | 0.08848749382580189 | 4617784.8657031525 | 0.9676072038758814 | 2346903.82135562 Avoirs à la BRH | 107209165.9153647 | 0.016783244017158954 | 109008483.50779834 | 0 | 0 | 0 | 0 | 0.20233336502893992 | 90664109.2049995 | 0.25332650026526293 | 72338779.38893872 | 0.6051743087136726 | 45065996.25738363 | -0.13419233855088725 | 52050817.13178205 Avoirs à l'étranger | 13464193.231079632 | 0.3173730720226324 | 17737365.599133708 | 0 | 0 | 0 | 0 | 0.04670333758507852 | 16945933.926280208 | 0 | 16946757.402034957 | 0 | 8704248.558392948 | 0 | 7380096.758453228 Avoirs dans les banques locales | 0 | 0 | 3.967245368767181e-09 | 0 | 0 | 0 | 0 | 0 | 6.375926050532144e-09 | 0 | 6.110186409205198e-09 | 0 | 0 | 0 | 0 Autres liquidités | 1536383.1918501002 | -0.2765138118078198 | 1111552.019074164 | 0 | 0 | 0 | 0 | 0.10701961010763847 | 1004094.24451486 | 0.2843687185670473 | 781780.364158288 | 0.017216064289898983 | 768548.975584686 | 0.9415979990209538 | 395833.213658144 126622714.92687833 | 0.07901237810222726 | 136627476.75501138 | 0 | 0 | 0 | 0 | 0.19898750625258582 | 113952377.35382092 | 0.19831656048463345 | 95093718.23062791 | 0.6074918527978784 | 59156578.657064416 | -0.048526541763037695 | 62173650.92524904 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. | 3100000 | 0.1935483870967742 | 3700000 | 0 | 0 | 0 | 0 | -0.4032258064516129 | 6200000 | -0.08823529411764706 | 6800000 | 1.0606060606060606 | 3300000 | 130.9999997888 | 25000.00004 Autres Placements | 54476427.81137111 | 0.035966840310002586 | 56435772.79112208 | 0 | 0 | 0 | 0 | 0.4034891206329769 | 40211051.13067739 | 0.21842040898893045 | 33002607.99476046 | 0.4985364549485395 | 22023226.652763538 | -0.2711627859635168 | 30216934.90483751 Portefeuille net | 57215399.10988 | 0.008314580586712235 | 57691121.15658 | 0 | 0 | 0 | 0 | 0.10477946217086481 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003 | -0.19103341200633464 | 38736782.90442001 Immobilisations | 3357407.4235399994 | 0.03844167441969788 | 3486471.7866100008 | 0 | 0 | 0 | 0 | 0.049301651322033464 | 3322659.201209999 | 0.08831236168912789 | 3053038.18846 | 0.0630382175710019 | 2871992.87664 | 0.0940721311798342 | 2625048.9294 Autres actifs | 3750355.6978058 | 0.19778835494509134 | 4492132.381733759 | 0 | 0 | 0 | 0 | 0.6037384545926001 | 2801038.017682816 | 0.028759379817235177 | 2722733.8798898105 | 0.20068830330166665 | 2267644.210743792 | -0.2765190868696069 | 3134352.5027246904 248522304.96947524 | 0.055973526815995656 | 262432974.8710572 | 0 | 0 | 0 | 0 | 0.1999310777215871 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 | 0.5007335613533734 | 120956205.49325176 | -0.11653902841220871 | 136911770.16667125 PASSIF | 0 | 0 | 0 Dépôts | 0 | 0 | 0 À vue | 95187785.76463236 | 0.07575797518417426 | 102399019.67642587 | 0 | 0 | 0 | 0 | 0.20558701816041114 | 84937062.30569333 | 0.19847177099902089 | 70871141.36605118 | 0.6036145682686481 | 44194623.05245058 | -0.09476845245084697 | 48821346.50753637 Épargne | 86736678.14592691 | 0.02197096550412544 | 88642366.7094135 | 0 | 0 | 0 | 0 | 0.1863766488066334 | 74716884.21933973 | 0.21478062858724267 | 61506483.11393759 | 0.524906685371339 | 40334588.144952476 | -0.06770038882787079 | 43263547.106108956 À terme | 30135523.2087862 | 0.04193168328307464 | 31399156.42354677 | 0 | 0 | 0 | 0 | 0.14203750057576336 | 27493980.195673734 | 0.1310202466599536 | 24309007.97476168 | 0.3306682335739247 | 18268271.05466571 | -0.23564391817573282 | 23900210.241102997 212059987.11934546 | 0.04895103423824408 | 222440542.80938613 | 0 | 0 | 0 | 0 | 0.18858138963702678 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 | 0.5242263625731667 | 102797482.25206877 | -0.1137009940448456 | 115985103.85474831 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 | 7304652.136232784 | 0.21729852514198494 | 8891942.272111418 | 0 | 0 | 0 | 0 | 0.43608099353530255 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066 | -0.09258012168912726 | 3180921.766413789 7304652.136232784 | 0.21729852514198494 | 8891942.272111418 | 0 | 0 | 0 | 0 | 0.43608099353530255 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066 | -0.09258012168912726 | 3180921.766413789 Obligations à terme Banques locales | 5521533.34851 | 0.009164088836600996 | 5572133.1706300005 | 0 | 0 | 0 | 0 | 0.246301949635371 | 4470933.526389999 | 0 | 3968534.2379099997 | 0 | 2260374.18273 | 0 | 2690584.06942 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2796621.1343232 | -0.13800409118254917 | 2410675.976299017 | 0 | 0 | 0 | 0 | 0.06782147409265495 | 2257564.6161708888 | 0.39165437984239937 | 1622216.4417192084 | 1.6411463862480664 | 614209.212395713 | -0.37308118844103855 | 979726.8818084379 8318154.4828332 | -0.04031487231888507 | 7982809.146929018 | 0 | 0 | 0 | 0 | 0.18641767862489672 | 6728498.142560888 | 0.20350531227894741 | 5590750.6796292085 | 0.9448907584692668 | 2874583.395125713 | -0.2168011284810618 | 3670310.951228438 Autres passifs | 2176326.6976638 | 0.11591266815228726 | 2428590.531961067 | 0 | 0 | 0 | 0 | 0.11808451729227837 | 2172099.241515755 | 0.18402509271008033 | 1834504.3993485821 | 0.5088736981905279 | 1215810.4429473171 | -0.38466441259071155 | 1975849.3866187278 229859120.43607527 | 0.05170455843459803 | 241743884.76038763 | 0 | 0 | 0 | 0 | 0.19532972730574164 | 202240335.22974062 | 0.20241197206262992 | 168195543.56466982 | 0.5321940719934289 | 109774307.73233742 | -0.12048405459071591 | 124812185.95900927 AVOIR DES ACTIONNAIRES Capital versé | 6298112.5 | -0.0009725135903812451 | 6291987.5 | 0 | 0 | 0 | 0 | -0.001380801698227376 | 6300687.5 | -0.00019835169739465045 | 6301937.5 | -0.003402019467221216 | 6323450 | -0.012685996221524817 | 6404700 Réserves | 2565754.29641 | 0.39789222043140815 | 3586647.97049 | 0 | 0 | 0 | 0 | 0.39917850222928747 | 2563395.56731 | 0.44333292640853855 | 1776025.1432 | -0.14772845972276943 | 2083872.4036499998 | 0.4936791154284901 | 1395127.22788 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 | 9799317.73606 | 0.10318441819262278 | 10810454.63534 | 0 | 0 | 0 | 0 | 0.42199997593320593 | 7602288.901760001 | 0.44818444648348366 | 5249530.83167 | 0.8920123460933894 | 2774575.35756 | -0.35471344757960316 | 4299756.9795200005 18663184.53247 | 0.10855090511672068 | 20689090.10583 | 0 | 0 | 0 | 0 | 0.2564449621745361 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 | 0.19188117790730216 | 11181897.76121 | -0.07584446130212907 | 12099584.207400002 248522304.96854526 | 0.055973526800473655 | 262432974.8662176 | 0 | 0 | 0 | 0 | 0.19993107768596502 | 218706707.1988106 | 0.20484270627959664 | 181523037.0395398 | 0.5007335613650962 | 120956205.49354741 | -0.11653902840835889 | 136911770.16640928 Hors-bilan Effets à l'encaissement | 4846.771551762001 | 5158.419764417 | 0 | 0 | 3750.073000181 | 2958.534002186 | 2809.6125314 | 629.0437063559999 Crédit documentaire | 2170294.7686836 | 2120702.537220084 | 0 | 0 | 1809400.1296932271 | 1568762.3525348501 | 1009052.0499766741 | 1317310.419578244 Autres | 2155435.8899774 | 2171560.2364941826 | 0 | 0 | 2151870.224273834 | 2359671.6640074262 | 1199427.898695145 | 1528207.0292863299 Portefeuille brut | 58161264.90512 | 0.010751362343994549 | 58786577.7385 | 0 | 0 | 0 | 0 | 0.11025570668179265 | 52948683.249010004 | 0.2672859755683287 | 41781164.05436 | 0.2995648084982276 | 32150119.625540003 | -0.18092122722823067 | 39251560.03829001 Provisions pour créances douteuses | 945865.7952400001 | 0.15815223198978573 | 1095456.5819199998 | 0 | 0 | 0 | 0 | 0.502474205870485 | 729101.75605 | -0.21620950550054593 | 930225.31042 | 0.14368702614564804 | 813356.5295 | 0.580016818900511 | 514777.13387 Portefeuille de crédit improductif | 656718.94513 | -0.7907713627131614 | 137404.40997 | 0 | 0 | 0 | 0 | 0.7280120471835387 | 79515.88659000001 | -0.6269098213476743 | 213127.79359999998 | -0.09898586350521335 | 236542.11956 | -0.19986131877362615 | 295626.40215999994 0 [unibkcomp ] UNIBANK (UNIBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 22 | Comp. | Mars 23 | Comp. | Juin 23 | Comp. | Sept. 23 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. | 2019 | Comp. ACTIF Disponibilités Encaisse | 4412972.5885839 | 0.017756847173640705 | 8770075.629005153 | 0.03341834475379554 | 0 | 0 | 0 | 0 | 5338239.978026357 | 0.024408213385215368 | 5026401.075495942 | 0.027690155241577558 | 4617784.8657031525 | 0.0381773291157086 | 2346903.82135562 | 0.017141724327269944 Avoirs à la BRH | 107209165.9153647 | 0.43138649437736654 | 109008483.50779834 | 0.41537647302652475 | 0 | 0 | 0 | 0 | 90664109.2049995 | 0.4145465421122308 | 72338779.38893872 | 0.398510186747942 | 45065996.25738363 | 0.37258110134661837 | 52050817.13178205 | 0.3801778113628751 Avoirs à l'étranger | 13464193.231079632 | 0.05417700126647937 | 17737365.599133708 | 0.06758817411511917 | 0 | 0 | 0 | 0 | 16945933.926280208 | 0.0681867727259394 | 16946757.402034957 | 0.09335871456644575 | 8704248.558392948 | 0.07196198428098478 | 7380096.758453228 | 0.0539040343242146 Avoirs dans les banques locales | 0 | 0 | 3.967245368767181e-09 | 1.5117175616808185e-17 | 0 | 0 | 0 | 0 | 6.375926050532144e-09 | 2.915286015809267e-17 | 6.110186409205198e-09 | 3.366066648574707e-17 | 0 | 0 | 0 | 0 Autres liquidités | 1536383.1918501002 | 0.006182073645417084 | 1111552.019074164 | 0.004235565365291118 | 0 | 0 | 0 | 0 | 1004094.24451486 | 0.004591053733040759 | 781780.364158288 | 0.004306783188053515 | 768548.975584686 | 0.006353944160620713 | 395833.213658144 | 0.0028911554731654663 126622714.92687833 | 0.5095024164629037 | 136627476.75501138 | 0.5206185572607306 | 0 | 0 | 0 | 0 | 113952377.35382092 | 0.5210282703013603 | 95093718.23062791 | 0.5238658397440188 | 59156578.657064416 | 0.48907435890393247 | 62173650.92524904 | 0.4541147254875251 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. | 3100000 | 0.012473729472212796 | 3700000 | 0.014098838005467657 | 0 | 0 | 0 | 0 | 6200000 | 0 | 6800000 | 0 | 3300000 | 0 | 25000.00004 | 0 Autres Placements | 54476427.81137111 | 0.21920136230050732 | 56435772.79112208 | 0.2150483292690296 | 0 | 0 | 0 | 0 | 40211051.13067739 | 0.18385833542167773 | 33002607.99476046 | 0.1818094746173193 | 22023226.652763538 | 0.18207603787630583 | 30216934.90483751 | 0.22070370478778084 Portefeuille net | 57215399.10988 | 0.2302223903681703 | 57691121.15658 | 0.21983183014606197 | 0 | 0 | 0 | 0 | 52219581.492960006 | 0.2387653408639094 | 40850938.74394 | 0.22504547858275806 | 31336763.096040003 | 0.2590752823987051 | 38736782.90442001 | 0.2829324524638262 Immobilisations | 3357407.4235399994 | 0.013509481267495781 | 3486471.7866100008 | 0.01328518944055346 | 0 | 0 | 0 | 0 | 3322659.201209999 | 0.015192305914180184 | 3053038.18846 | 0.016819012276806992 | 2871992.87664 | 0.02374407220306056 | 2625048.9294 | 0.019173288945167854 Autres actifs | 3750355.6978058 | 0.015090620128710128 | 4492132.381733759 | 0.017117255878156722 | 0 | 0 | 0 | 0 | 2801038.017682816 | 0.011270771120631823 | 2722733.8798898105 | 0.014999384785109456 | 2267644.210743792 | 3134352.5027246904 | 0.022893228967159267 248522304.96947524 | 1 | 262432974.8710572 | 1 | 0 | 0 | 0 | 0 | 218706707.19635114 | 0.8800284836534644 | 181523037.03767818 | 1 | 120956205.49325176 | 0 | 136911770.16667125 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 95187785.76463236 | 0.3830150608667653 | 102399019.67642587 | 0.39019113252341175 | 0 | 0 | 0 | 0 | 84937062.30569333 | 0.3883605738229065 | 70871141.36605118 | 0.3904250530545094 | 44194623.05245058 | 0 | 48821346.50753637 | 0.35658984211586114 Épargne | 86736678.14592691 | 0.34900963177764 | 88642366.7094135 | 0.33777145098845407 | 0 | 0 | 0 | 0 | 74716884.21933973 | 0.34163051136909206 | 61506483.11393759 | 0.3388356878425898 | 40334588.144952476 | 0.333464397138374 | 43263547.106108956 | 0.3159958201799709 À terme | 30135523.2087862 | 0.12125882709999651 | 31399156.42354677 | 0.119646383763223 | 0 | 0 | 0 | 0 | 27493980.195673734 | 0.1257116461956062 | 24309007.97476168 | 0.1339169307183635 | 18268271.05466571 | 0.15103211100388655 | 23900210.241102997 | 0.17456651252122282 212059987.11934546 | 0.8532835197444018 | 222440542.80938613 | 0.8476089672750888 | 0 | 0 | 0 | 0 | 187147926.7207068 | 0.8557027313876048 | 156686632.45475045 | 0.8631776716154627 | 102797482.25206877 | 0.8498735706272129 | 115985103.85474831 | 0.8471521748170548 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 | 7304652.136232784 | 0.029392340205157755 | 8891942.272111418 | 0.03388271720228889 | 0 | 0 | 0 | 0 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 | 2886431.6421956066 | 0.023863444049231877 | 3180921.766413789 | 0.02323336965508118 7304652.136232784 | 0.029392340205157755 | 8891942.272111418 | 0.03388271720228889 | 0 | 0 | 0 | 0 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 | 2886431.6421956066 | 0.023863444049231877 | 3180921.766413789 | 0.02323336965508118 Obligations à terme Banques locales | 5521533.34851 | 0.022217455890682258 | 5572133.1706300005 | 0.021232595383136554 | 0 | 0 | 0 | 0 | 4470933.526389999 | 0.020442599057449443 | 3968534.2379099997 | 0.021862427506026485 | 2260374.18273 | 0.018687542102634066 | 2690584.06942 | 0.019651955899369238 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2796621.1343232 | 0.011252998537361447 | 2410675.976299017 | 0.009185872992841198 | 0 | 0 | 0 | 0 | 2257564.6161708888 | 0.010322338281761455 | 1622216.4417192084 | 0.008936697337112588 | 614209.212395713 | 0.0050779470957360694 | 979726.8818084379 | 0.00715589960319522 8318154.4828332 | 0.0334704544280437 | 7982809.146929018 | 0.030418468375977753 | 0 | 0 | 0 | 0 | 6728498.142560888 | 0.030764937339210898 | 5590750.6796292085 | 0.030799124843139077 | 2874583.395125713 | 0.023765489198370137 | 3670310.951228438 | 0.026807855502564457 Autres passifs | 2176326.6976638 | 0.0087570678934879 | 2428590.531961067 | 0.00925413634911665 | 0 | 0 | 0 | 0 | 2172099.241515755 | 0.009931562087694374 | 1834504.3993485821 | 0.010106179520166356 | 1215810.4429473171 | 0.010051658267463988 | 1975849.3866187278 | 0.014431552409361175 229859120.43607527 | 0.9249033822710913 | 241743884.76038763 | 0.9211642892024721 | 0 | 0 | 0 | 0 | 202240335.22974062 | 0.924710256133904 | 168195543.56466982 | 0.9265796028399303 | 109774307.73233742 | 0.9075541621422789 | 124812185.95900927 | 0.9116249523840617 AVOIR DES ACTIONNAIRES Capital versé | 6298112.5 | 0.025342242422761875 | 6291987.5 | 0.02397559797160201 | 0 | 0 | 0 | 0 | 6300687.5 | 0.028808844414375232 | 6301937.5 | 0.03471701224727706 | 6323450 | 0.052278839057602465 | 6404700 | 0.04677976182911928 Réserves | 2565754.29641 | 0.010324040317930975 | 3586647.97049 | 0.013666910464480502 | 0 | 0 | 0 | 0 | 2563395.56731 | 0.011720699379414218 | 1776025.1432 | 0.009784020652052862 | 2083872.4036499998 | 0.01722832156607509 | 1395127.22788 | 0.010189972901392074 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 | 9799317.73606 | 0.03943033498447393 | 10810454.63534 | 0.041193202343004214 | 0 | 0 | 0 | 0 | 7602288.901760001 | 0.03476020008355206 | 5249530.83167 | 0.02891936427099537 | 2774575.35756 | 0.022938677236487844 | 4299756.9795200005 | 0.0314053128835135 18663184.53247 | 0.07509661772516678 | 20689090.10583 | 0.07883571077908672 | 0 | 0 | 0 | 0 | 16466371.96907 | 0.07528974387734151 | 13327493.47487 | 0.0734203971703253 | 11181897.76121 | 0.0924458378601654 | 12099584.207400002 | 0.08837504761402487 248522304.96854526 | 0.999999999996258 | 262432974.8662176 | 0.9999999999815588 | 0 | 0 | 0 | 0 | 218706707.1988106 | 1.0000000000112454 | 181523037.0395398 | 1.0000000000102556 | 120956205.49354741 | 1.0000000000024443 | 136911770.16640928 | 0.9999999999980866 [unibkgdes&$] UNIBANK (UNIBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Mars 2023 | Septembre 22 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 930671.741705153 | 7839403.8873000005 | 8770075.629005153 | 0.10611900980957963 | 1938850.3345263572 | 3399389.6435 | 5338239.978026357 | 0.36320029494874545 Avoirs à la BRH | 84453255.53471835 | 24555227.97308 | 109008483.50779834 | 0.7747402111935321 | 65469742.13059951 | 25194367.0744 | 90664109.2049995 | 0.7221131129471166 Avoirs à l'étranger | 17737365.599133708 | 0 | 17737365.599133708 | 1 | 16945933.926280208 | 0 | 16945933.926280208 | 0 Avoirs dans les banques locales | 7.324197588968673e-09 | -3.356952220201492e-09 | 3.967245368767181e-09 | 0 | 0 | 1.2207310646772385e-09 | 1.2207310646772385e-09 | 0 Autres liquidités | 576100.754574164 | 535451.2645 | 1111552.019074164 | 0.5182850147256365 | 533886.6025848599 | 470207.64193 | 1004094.24451486 | 0.5317096532535286 103697393.63013138 | 32930083.124879997 | 136627476.75501138 | 0.758979058188073 | 84888412.99399094 | 29063964.35983 | 113952377.35382095 | 0.7449463974798288 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 3700000 | 3700000 | 0 | 0 | 6200000 | 6200000 | 0 Autres Placements | 40313040.009162076 | 16122732.78196 | 56435772.79112208 | 0.7143171434608888 | 27749695.62293739 | 12461355.50774 | 40211051.13067739 | 0.6901012244807221 Portefeuille net | 39411285.15846 | 18279835.998120002 | 57691121.15658 | 0.6831429926884844 | 32583203.242650002 | 19636378.250310004 | 52219581.492960006 | 0.6239652312618154 Immobilisations | 0 | 3486471.7866100008 | 3486471.7866100008 | 0 | 0 | 3322659.201209999 | 3322659.201209999 | 0 Autres actifs | 707745.149303758 | 3784387.2324300003 | 4492132.381733758 | 0.15755215767497055 | 765547.282092816 | 2035490.7355900002 | 2801038.017682816 | 0.27330842254191245 184129463.94705722 | 78303510.92400001 | 262432974.8710572 | 0.7016247254657181 | 145986859.14167115 | 72719848.05467999 | 218706707.19635114 | 0.6675006039508731 | 0 0 PASSIF | 0 Dépôts | 0 À vue | 81890832.01587588 | 20508187.660549995 | 102399019.67642587 | 0.7997228125293141 | 63996058.071853325 | 20941004.233840004 | 84937062.30569333 | 0.7534526899638684 | 0 Épargne | 66680236.5357435 | 21962130.173669998 | 88642366.7094135 | 0.7522389012280546 | 53755521.133949734 | 20961363.085389998 | 74716884.21933973 | 0.7194561402767334 À terme | 27398212.847496767 | 4000943.5760500003 | 31399156.42354677 | 0.8725779915205102 | 21370432.518283732 | 6123547.677390001 | 27493980.195673734 | 0.7772767844521267 175969281.39911616 | 46471261.41026999 | 222440542.80938613 | 0.7910845710797777 | 139122011.7240868 | 48025914.99662001 | 187147926.7207068 | 0.7433799249708374 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 | 4169477.4809614187 | 4722464.79115 | 8891942.27211142 | 0.4689051450590854 | 3377257.3597171586 | 2814553.76524 | 6191811.124957159 | 0.545439337789963 4169477.4809614187 | 4722464.79115 | 8891942.27211142 | 0.4689051450590854 | 3377257.3597171586 | 2814553.76524 | 6191811.124957159 | 0.545439337789963 Obligations à terme Banques locales | 0 | 5572133.1706300005 | 5572133.1706300005 | 0 | 0 | 4470933.526389999 | 4470933.526389999 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1536611.662179017 | 874064.3141200007 | 2410675.9762990177 | 0.6374194115204546 | 1362876.222440889 | 894688.39373 | 2257564.616170889 | 0.603693118096658 1536611.662179017 | 6446197.484750001 | 7982809.146929018 | 0.19249009138219852 | 1362876.222440889 | 5365621.920119999 | 6728498.142560888 | 0.20255281246494838 Autres passifs | 2330295.195411067 | 98295.33655 | 2428590.531961067 | 0.9595257680303038 | 2070401.199225755 | 101698.04229000001 | 2172099.2415157547 | 0.9531798361943021 184005665.73766765 | 57738219.022719994 | 241743884.76038766 | 0.761159546683263 | 145932546.5054706 | 56307788.72427001 | 202240335.22974062 | 0.7215798289678189 AVOIR DES ACTIONNAIRES Capital versé | 0 | 6291987.5 | 6291987.5 | 0 | 0 | 6300687.5 | 6300687.5 | 0 Réserves | 0 | 3586647.97049 | 3586647.97049 | 0 | 0 | 2563395.56731 | 2563395.56731 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 10810454.63534 | 10810454.63534 | 0 | 0 | 7602288.901760001 | 7602288.901760001 | 0 0 | 20689090.10583 | 20689090.10583 | 0 | 0 | 16466371.96907 | 16466371.96907 | 0 0 184005665.73766765 | 78427309.12855 | 262432974.86621764 | 0.701152992803094 | 145932546.5054706 | 72774160.69334 | 218706707.1988106 | 0.6672522684583869 *Converties au taux de 153,6019 Gdes | *Converties au taux de 117,7047 Gdes #REF! [UNIBKRÉSULT ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2023 | 2022 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 | 1297698.5610700003 | 0.07685120169029716 | 1397428.2549199993 | 0 | 0 | 0 | 0 | 839566.0937000001 | 0.028763492107661333 | 863714.9464100001 | 0.04202837853030316 | 900015.4851200001 | 0.18424167532838714 | 1065835.84592 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | 0 | 0 | 0 Autres | 501985.35482 | 0.24902334105907195 | 626991.4250400001 | 0 | 0 | 0 | 0 | 225355.61137000003 | 0.18070473959993483 | 266078.43844 | -0.05766565532313863 | 250734.85092 | 0.3470057341081813 | 337741.28193 1799683.9158900003 | 0.12487513061917886 | 2024419.6799599994 | 0 | 0 | 0 | 0 | 1064921.7050700001 | 0.06091685376601062 | 1129793.38485 | 0.018549366168206356 | 1150750.33604 | 0.2197060334390481 | 1403577.12785 Dépenses d'intérêt | 226190.35097000003 | 0.32713640843951863 | 300185.45001000003 | 0 | 0 | 0 | 0 | 192016.9898 | 0.042086521502171806 | 200098.31697 | 0.12147368572642293 | 224404.99703999996 | 0.0112723992930922 | 226934.57977 1573493.5649200003 | 0.0957999882494995 | 1724234.2299499994 | 0 | 0 | 0 | 0 | 872904.7152700002 | 0.06505905125330189 | 929695.06788 | -0.0036030403900478864 | 926345.339 | 0.27019859499719473 | 1176642.54808 AUTRES REVENUS Commissions | 530123.7669000002 | 0.07621210378145836 | 570525.6144400006 | 0 | 0 | 0 | 0 | 395638.6395900001 | 0.2042962825717967 | 476466.1429 | 0.046389354520493094 | 498569.09972 | 0.3930190942640556 | 694516.27572 Gains sur change | 841443.29414 | -0.18552543023062784 | 685334.1649799998 | 0 | 0 | 0 | 0 | 433545.59673 | 0.3914185824511629 | 603243.3996300001 | 0.5520595219346981 | 936269.66244 | -0.08209964095138671 | 859402.25932 Autres | 1330302.4551 | -0.21053812380504555 | 1050223.07211 | 0 | 0 | 0 | 0 | 363119.4917 | 0.28928140474702024 | 468163.20835 | 0.7937668815533698 | 839775.6583 | -0.3282898878470625 | 564085.8016199999 2701869.51614 | -0.14648622453664462 | 2306082.8515300006 | 0 | 0 | 0 | 0 | 1192303.7280200003 | 0.2982201720114352 | 1547872.7508800002 | 0.46950995756390873 | 2274614.4204599997 | -0.06885126656689713 | 2118004.33666 0 PRODUIT NET BANCAIRE | 4275363.08106 | -0.05731583375118747 | 4030317.08148 | 0 | 0 | 0 | 0 | 2065208.4432900003 | 0.19966961534066108 | 2477567.81876 | 0.29197664549180763 | 3200959.75946 | 0.029268448315578087 | 3294646.88474 0 Dotation à la provision pour créances douteuses | 102422.978 | 0.09050602883270975 | 111692.875 | 0 | 0 | 0 | 0 | 11980.207999999999 | -12.629780491290301 | -139327.18928 | 0.5035188123189274 | -69173.32841 | 1.1459297693493768 | 10094.44786 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 4172940.1030599996 | -0.060944056300619 | 3918624.20648 | 0 | 0 | 0 | 0 | 2053228.2352900002 | 0.27452709010227844 | 2616895.00804 | 0.24962334286359522 | 3270133.08787 | 0.004409407391853902 | 3284552.43688 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 689496.1313700001 | 0.16168732825010704 | 800978.9186900002 | 0 | 0 | 0 | 0 | 682016.49696 | 0.08752233471780804 | 741708.17309 | -0.1251156431152602 | 648908.87801 | 0.3712955966620125 | 889845.88705 Frais de locaux | 78493.73190000001 | 0.02472640353592341 | 80434.59959 | 0 | 0 | 0 | 0 | 79189.24203 | -0.10114272008015572 | 71179.82669 | 0.029736179735561974 | 73296.44281 | -0.13941244661065427 | 63078.006389999995 Amortissement | 135377.04871 | -0.08477721319354058 | 123900.15979 | 0 | 0 | 0 | 0 | 126388.11855000001 | -0.011286209228881796 | 124961.6758 | 0.09659189533692215 | 137031.96091 | -0.001402783837605833 | 136839.73469 Autres dépenses d'exploitation | 709722.48378 | 0.22642127027472386 | 870418.7500999997 | 0 | 0 | 0 | 0 | 518361.31687 | 0.10713168772955933 | 573894.2396 | 0.24059757973218035 | 711971.80467 | 0.0477108703704141 | 745940.5991500001 1613089.3957600002 | 0.1628198865483561 | 1875732.4281699997 | 0 | 0 | 0 | 0 | 1405955.17441 | 0.07524332403726428 | 1511743.91518 | 0.03933547912638333 | 1571209.0864 | 0.1683386018890836 | 1835704.2272800002 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2559850.7072999994 | -0.20194885878140176 | 2042891.7783100004 | 0 | 0 | 0 | 0 | 647273.0608800002 | 0.7073954713293518 | 1105151.0928600002 | 0.5372775835323891 | 1698924.00147 | -0.14719657362755564 | 1448848.2095999997 Impôts sur le revenu | 349994.16209999996 | -0.18721431593844293 | 284470.24445999996 | 0 | 0 | 0 | 0 | 41677.85208 | 1.703830169647265 | 112689.83386000001 | 1.2210774782129048 | 250292.85201000003 | -0.9036676067799303 | 24111.30944000004 BÉNÉFICE NET (PERTE NETTE) | 2209856.5451999996 | -0.20428249622381833 | 1758421.5338500005 | 0 | 0 | 0 | 0 | 605595.2088000003 | 0.6388195358523117 | 992461.2590000002 | 0.4596349593732602 | 1448631.14946 | -0.016494363875101826 | 1424736.9001599997 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 | 2022 | 2023 (oct.- mars. 23) | 2022 (oct.- mars. 22) | 2022 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 | 1297698.5610700003 | 0.5456776670803758 | 839566.0937000001 | 1397428.2549199993 | 0.6179276053151092 | 863714.9464100001 | 0 | 0 | 900015.4851200001 | 0 | 0 | 1065835.84592 | 2695126.8159899996 | 0.5823148103708973 | 1703281.0401100002 | 3669132.37115 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 501985.35482 | 1.2275254286693378 | 225355.61137000003 | 626991.4250400001 | 1.356415757383457 | 266078.43844 | 0 | 0 | 250734.85092 | 0 | 0 | 337741.28193 | 1128976.7798600001 | 1.2973108605243964 | 491434.04981 | 1079910.18266 1799683.9158900003 | 0.6899682928067489 | 1064921.7050700001 | 2024419.6799599994 | 0.7918494718649612 | 1129793.38485 | 0 | 0 | 1150750.33604 | 0 | 0 | 1403577.12785 | 3824103.5958499997 | 0.7424145910389638 | 2194715.08992 | 4749042.55381 Dépenses d'intérêt | 226190.35097000003 | 0.17797050774306022 | 192016.9898 | 300185.45001000003 | 0.5001897794822817 | 200098.31697 | 0 | 0 | 224404.99703999996 | 0 | 0 | 226934.57977 | 526375.80098 | 0.34240054364608663 | 392115.30677 | 843454.8835799999 1573493.5649200003 | 0.8025948736378395 | 872904.7152700002 | 1724234.2299499994 | 0.8546234023611645 | 929695.06788 | 0 | 0 | 926345.339 | 0 | 0 | 1176642.54808 | 3297727.7948699994 | 0.8294287094095278 | 1802599.78315 | 3905587.6702300003 AUTRES REVENUS Commissions | 530123.7669000002 | 0.339919092456103 | 395638.6395900001 | 570525.6144400006 | 0.19741060921456008 | 476466.1429 | 0 | 0 | 498569.09972 | 0 | 0 | 694516.27572 | 1100649.3813400008 | 0.262060939738765 | 872104.7824900001 | 2065190.1579300002 Gains sur change | 841443.29414 | 0.9408415181391572 | 433545.59673 | 685334.1649799998 | 0.13608232663689332 | 603243.3996300001 | 0 | 0 | 936269.66244 | 0 | 0 | 859402.25932 | 1526777.4591199998 | 0.4726019127134553 | 1036788.9963600001 | 2832460.91812 Autres | 1330302.4551 | 2.663539098030743 | 363119.4917 | 1050223.07211 | 1.2432840799502782 | 468163.20835 | 0 | 0 | 839775.6583 | 0 | 0 | 564085.8016199999 | 2380525.52721 | 1.8636774554153672 | 831282.70005 | 2235144.15997 2701869.51614 | 1.2660916448083752 | 1192303.7280200003 | 2306082.8515300006 | 0.48984007258926227 | 1547872.7508800002 | 0 | 0 | 2274614.4204599997 | 0 | 0 | 2118004.33666 | 5007952.3676700005 | 0.8276021293637124 | 2740176.4789000005 | 7132795.236020001 PRODUIT NET BANCAIRE | 4275363.08106 | 1.0701847772078112 | 2065208.4432900003 | 4030317.08148 | 0.6267232125646258 | 2477567.81876 | 0 | 0 | 3200959.75946 | 0 | 0 | 3294646.88474 | 8305680.16254 | 0.8283269268453753 | 4542776.262050001 | 11038382.90625 Dotation à la provision pour créances douteuses | 102422.978 | 7.549348892773816 | 11980.207999999999 | 111692.875 | 1.801658854794921 | -139327.18928 | 0 | 0 | -69173.32841 | 0 | 0 | 10094.44786 | 214115.853 | 2.6813578998721597 | -127346.98127999999 | -186425.86183 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 4172940.1030599996 | 1.0323800497856532 | 2053228.2352900002 | 3918624.20648 | 0.4974327187145991 | 2616895.00804 | 0 | 0 | 3270133.08787 | 0 | 0 | 3284552.43688 | 8091564.30954 | 0.7326232923502812 | 4670123.243330001 | 11224808.76808 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 689496.1313700001 | 0.010966940599442325 | 682016.49696 | 800978.9186900002 | 0.07991113992053601 | 741708.17309 | 0 | 0 | 648908.87801 | 0 | 0 | 889845.88705 | 1490475.0500600003 | 0.04688433193171821 | 1423724.67005 | 2962479.43511 Frais de locaux | 78493.73190000001 | -0.008782886566037519 | 79189.24203 | 80434.59959 | 0.13001960429471224 | 71179.82669 | 0 | 0 | 73296.44281 | 0 | 0 | 63078.006389999995 | 158928.33149 | 0.05692169834434572 | 150369.06871999998 | 286743.51791999995 Amortissement | 135377.04871 | 0.0711216391471474 | 126388.11855000001 | 123900.15979 | -0.008494732510621406 | 124961.6758 | 0 | 0 | 137031.96091 | 0 | 0 | 136839.73469 | 259277.2085 | 0.031539369946574206 | 251349.79435 | 525221.4899500001 Autres dépenses d'exploitation | 709722.48378 | 0.36916560067693394 | 518361.31687 | 870418.7500999997 | 0.5166884245199519 | 573894.2396 | 0 | 0 | 711971.80467 | 0 | 0 | 745940.5991500001 | 1580141.2338799997 | 0.4466772217545593 | 1092255.55647 | 2550167.96029 1613089.3957600002 | 0.14732633381211657 | 1405955.17441 | 1875732.4281699997 | 0.2407739229740246 | 1511743.91518 | 0 | 0 | 1571209.0864 | 0 | 0 | 1835704.2272800002 | 3488821.82393 | 0.19574422063525923 | 2917699.08959 | 6324612.40327 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2559850.7072999994 | 2.9548234926072063 | 647273.0608800002 | 2042891.7783100004 | 0.8485180818337141 | 1105151.0928600002 | 0 | 0 | 1698924.00147 | 0 | 0 | 1448848.2095999997 | 4602742.48561 | 1.626500254397251 | 1752424.153740001 | 4900196.36481 Impôts sur le revenu | 349994.16209999996 | 7.397605553860874 | 41677.85208 | 284470.24445999996 | 1.524364751601382 | 112689.83386000001 | 0 | 0 | 250292.85201000003 | 0 | 0 | 24111.30944000004 | 634464.4065599999 | 3.1100856224961815 | 154367.68594 | 428771.84739000007 BÉNÉFICE NET (PERTE NETTE) | 2209856.5451999996 | 2.649065436925892 | 605595.2088000003 | 1758421.5338500005 | 0.771778513170155 | 992461.2590000002 | 0 | 0 | 1448631.14946 | 0 | 0 | 1424736.9001599997 | 3968278.07905 | 1.4831901494150679 | 1598056.467800001 | 4471424.51742 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Mars) | ANNÉE 2023 | Var. | 2022 | 2022 | Var. | 2021 | Var. | 2020 | Var. | 2019 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 2695126.8159899996 | 0.5823148103708973 | 1703281.0401100002 | 3669132.37115 | 0.2527335499592418 | 2928900.85946 | -0.20732038161970853 | 3694936.50593 | -0.054622728214936474 | 3908425.36224 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | -1 | 6070 | -0.9394486533199493 | 100245.49961 | 6.5851204975225865 | 13216.07213 Autres | 1128976.7798600001 | 1.2973108605243964 | 491434.04981 | 1079910.18266 | 0.16670824884127314 | 925604.30916 | 0.6296654916553878 | 567971.9635099999 | 0.18766164403300722 | 478227.08291000006 3824103.5958499997 | 0.7424145910389638 | 2194715.08992 | 4749042.55381 | 0.2301386053590538 | 3860575.1686199997 | -0.11518704221648808 | 4363153.9690499995 | -0.008344464859758517 | 4399868.51728 Dépenses d'intérêt | 526375.80098 | 0.34240054364608663 | 392115.30677 | 843454.8835799999 | 0.17727536132105284 | 716446.56067 | -0.3360523112683188 | 1079070.79553 | 0.072527047144617 | 1006101.24323 3297727.7948699994 | 0.8294287094095278 | 1802599.78315 | 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996 | -0.04261602346081622 | 3284083.1735199997 | -0.03231927579969481 | 3393767.27405 AUTRES REVENUS Commissions | 1100649.3813400008 | 0.262060939738765 | 872104.7824900001 | 2065190.1579300002 | 0.2715738861321544 | 1624121.2409700002 | -0.01178813061304961 | 1643494.97439 | 0.09241462788352228 | 1504460.79029 Gains sur change | 1526777.4591199998 | 0.4726019127134553 | 1036788.9963600001 | 2832460.91812 | 0.2501682034465221 | 2265663.86052 | 1.4635173877282956 | 919686.57165 | 0.5788521154847199 | 582503.30264 Autres | 2380525.52721 | 1.8636774554153672 | 831282.70005 | 2235144.15997 | -0.057890349172199214 | 2372488.33828 | 3.4863246301128887 | 528826.7198399999 | -0.7761202854372703 | 2362101.99246 5007952.3676700005 | 0.8276021293637124 | 2740176.4789000005 | 7132795.236020001 | 0.13901050546939595 | 6262273.43977 | 1.0253094109978802 | 3092008.2658800003 | -0.3050208276218584 | 4449066.08539 PRODUIT NET BANCAIRE | 8305680.16254 | 0.8283269268453753 | 4542776.262050001 | 11038382.90625 | 0.1734968216594115 | 9406402.04772 | 0.4752614728193353 | 6376091.4394000005 | -0.1870168410851877 | 7842833.35944 Dotation à la provision pour créances douteuses | 214115.853 | 2.6813578998721597 | -127346.98127999999 | -186425.86183 | -58.90937034940303 | -3111.7980499999976 | -1.024334766884677 | 127874.57815999999 | -0.4383319712994268 | 227669.32 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 8091564.30954 | 0.7326232923502812 | 4670123.243330001 | 11224808.76808 | 0.19292122335587583 | 9409513.84577 | 0.5059518667062748 | 6248216.86124 | -0.17950331353604315 | 7615164.0394399995 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1490475.0500600003 | 0.04688433193171821 | 1423724.67005 | 2962479.43511 | 0.34269215937793973 | 2206372.78204 | 0.017047780108070364 | 2169389.5067600003 | 0.0874527667517931 | 1994927.57119 Frais de locaux | 158928.33149 | 0.05692169834434572 | 150369.06871999998 | 286743.51791999995 | -0.15228925644838956 | 338256.32162999996 | 0.11782574549255928 | 302602.01377 | 0.2912247558076615 | 234352.7046 Amortissement | 259277.2085 | 0.031539369946574206 | 251349.79435 | 525221.4899500001 | 0.1312687781199653 | 464276.48328 | 0.07762622415108102 | 430832.57708 | 0.20321381175805792 | 358068.1778 Autres dépenses d'exploitation | 1580141.2338799997 | 0.4466772217545593 | 1092255.55647 | 2550167.96029 | 0.30674324416875764 | 1951544.7825500001 | -0.2996915775522413 | 2786693.29112 | 0.41405556616628486 | 1970709.89132 3488821.82393 | 0.19574422063525923 | 2917699.08959 | 6324612.40327 | 0.2750076973167062 | 4960450.3695 | -0.12814215502252663 | 5689517.388730001 | 0.2482326811554542 | 4558058.3449099995 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 4602742.48561 | 1.626500254397251 | 1752424.153740001 | 4900196.36481 | 0.1013995172121529 | 4449063.4762699995 | 6.963249824243156 | 558699.4725099998 | -0.8172456145334895 | 3057105.69453 Impôts sur le revenu | 634464.4065599999 | 3.1100856224961815 | 154367.68594 | 428771.84739000007 | 0.14566598283601573 | 374255.54552000004 | 8.833428376545871 | -47776.72399999999 | -1.2048935582485818 | 233178.26294 BÉNÉFICE NET (PERTE NETTE) | 3968278.07905 | 1.4831901494150679 | 1598056.467800001 | 4471424.51742 | 0.09733381141157266 | 4074807.9307499994 | 5.718825823995572 | 606476.1965099997 | -0.7852366212652547 | 2823927.43159 [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 2 2023 | Trim 1 2023 Janvier1 | Nombre de jours de dépassement | Février1 | Nombre de jours de dépassement | Mars 1 | Nombre de jours de dépassement | Octobre1 | Nombre de jours de dépassement | Novembre1 | Nombre de jours de dépassement | Décembre 1 | Nombre de jours de dépassement BNC | 0.0010825769577968852 | 0 | 0.0006242121229699829 | 0 | 0.002152478496518759 | 0 | BNC | 0.0023 | 0 | 0.0008 | 0 | 0.0027 | 0 BPH | 0 | 0 | 0 | 0 | 0 | 0 | BPH | 0 | 0 | 0 | 0 | 0 | 0 BUH | 0.0002611224774756012 | 0 | 0.009775515875338916 | 2 | 0.000768680707949857 | 3 | BUH | 0.0009 | 0 | 0.0032 | 0 | 0.0018 | 0 CAPITALBK | 0.030542466683730524 | 31 | 0.00024327102751705616 | 14 | 0.01792053269627394 | 31 | CAPITALBK | 0.0017 | 5 | 0.005 | 6 | 0.0172 | 31 CBNA | 0.00010808832096859839 | 0 | 0.0005765982186822394 | 2 | 0.0006105656461380304 | 0 | CBNA | 0.0001 | 0 | 0.0003 | 5 | 0.0001 | 0 SCOTIA | 0 | 0 | 0 | SCOTIA | 0 SOGEBK | 0.018956251934262577 | 30 | 0.0005298349457166529 | 9 | 0.011836315522059642 | 31 | SOGEBK | 0.0032 | 0 | 0.0025 | 6 | 0.0125 | 30 SOGEBL | 0.0022599975673630976 | 0 | 0.002382612504489046 | 0 | 0.004526025691476576 | 0 | SOGEBL | 0.0003 | 0 | 0.0021 | 0 | 0.0002 | 0 UNIBK | 0.016635222888727444 | 31 | 0.003171476966136035 | 9 | 0.009268475062554423 | 31 | UNIBK | 0.001 | 0 | 0.0052 | 7 | 0.0219 | 30 1 Position de chaque banque le dernier jour du mois [Apparentés mars 23] 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 | 47 | 165675859 | 2 | 935254960 | 1 | 1347845030 | 50 | 2448775849 | 0.06765660444897666 | 0.3819275497926556 | 0.5504158457583678 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 21 | 397224207.09727657 | 2 | 514440892.6160641 | 1 | 420716301.7813146 | 24 | 1332381401.4946551 | 0.2981310056202177 | 0.386106329643275 | 0.3157626647365074 | 1 CAPITALBK | 11 | 566599000 | 2 | 1153132000 | 0 | 0 | 13 | 1719731000 | 0.3294695507611365 | 0.6705304492388635 | 0 | 1 SOGEBK | 21 | 2193550697.351 | 0 | 0 | 0 | 0 | 21 | 2193550697.351 | 1 | 0 | 0 | 1 SOGEBL | 5 | 49256601.06218299 | 1 | 55989259.588178 | 0 | 0 | 6 | 105245860.650361 | 0.46801461604099714 | 0.5319853839590027 | - | 0.9999999999999999 UNIBK | 10 | 1777933710 | 0 | 0 | 0 | 0 | 10 | 1777933710 | 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 | 2448775849 | 7195399180 | 0.3403252255700427 BPH | 0 | -344951.51 | 0 BUH | 1332381401.4946551 | 3080324450 | 0.4325457993539139 CAPITALBK | 1719731000 | 7389023000 | 0.2327413245296435 SOGEBK | 2193550697.351 | 10968790000 | 0.19998110068211716 SOGEBL | 105245860.650361 | 1016000010 | 0.10358844450243755 UNIBK | 1777933710 | 19147632347 | 0.09285397159187475 CBNA | 0 | 465250000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc. 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 31 DECEMBRE 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 | 50 | 186762621 | 2 | 1123458170 | 2 | 2957804860 | 54 | 4268025651 | 0.04375855167511504 | 0.2632266677536892 | 0.6930147805711958 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 19 | 423364856.5239999 | 1 | 227842179.815 | 2 | 745486810.369 | 22 | 1396693846.708 | 0.3031192967033317 | 0.16312965103413524 | 0.533751052262533 | 1 CAPITALBK | 13 | 869082500 | 1 | 634512000 | 0 | 0 | 14 | 1503594500 | 0.5780032448908267 | 0.4219967551091734 | 0 | 1 SOGEBK | 21 | 2292818179.3743 | 0 | 0 | 0 | 0 | 21 | 2292818179.3743 | 1 | 0 | 0 | 1 SOGEBL | 5 | 48620442.8834 | 1 | 57683463.210200004 | 0 | 0 | 6 | 106303906.0936 | 0.45737211989736265 | 0.5426278801026374 | - | 1 UNIBK | 11 | 1716534030 | 0 | 0 | 0 | 0 | 11 | 1716534030 | 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 | 4268025651 | 7191203860 | 0.5935064189655722 BPH | 0 | -354607.08 | 0 BUH | 1396693846.708 | 3256492900 | 0.428895099604854 CAPITALBK | 1503594500 | 7773452000 | 0.19342687135650932 SOGEBK | 2292818179.3743 | 10940392000 | 0.209573677010321 SOGEBL | 106303906.0936 | 1054286797.13843 | 0.100830159670151 UNIBK | 1716534030 | 18915406966.4705 | 0.09074793014195955 CBNA | 0 | 325679000 | 0 SCOTIABK | 0 | 0 | 0 [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 | 51 | 182354190 | 1 | 474542760 | 3 | 5282843660 | 55 | 5939740610 | 0.03070069923474318 | 0.07989284232396808 | 0.8894064584412887 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 12 | 175705690.28974298 | 3 | 578896204.8804231 | 2 | 661778857.4806087 | 17 | 1416380752.6507747 | 0.12405258258480817 | 0.40871510276951406 | 0.46723231464567777 | 1 CAPITALBK | 14 | 1133850726.32 | 0 | 0 | 0 | 0 | 14 | 1133850726.32 | 1 | 0 | 0 | 1 SOGEBK | 22 | 1574970843.658201 | 2 | 979453868.864121 | 0 | 0 | 24 | 2554424712.5223217 | 0.6165657715169157 | 0.38343422848308434 | 0 | 1 SOGEBL | 6 | 85517984.39233999 | 0 | 0 | 0 | 0 | 6 | 85517984.39233999 | 1 | 0 | - | 1 UNIBK | 11 | 1915328760 | 0 | 0 | 0 | 0 | 11 | 1915328760 | 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 | 5939740610 | 7257210130 | 0.8184606072581779 BPH | 0 | -350989500 | 0 BUH | 1416380752.6507747 | 2759281110 | 0.5133151339737091 CAPITALBK | 1133850726.32 | 7293687000 | 0.1554564551947458 SOGEBK | 2554424712.5223217 | 9188135365 | 0.27801339565074223 SOGEBL | 85517984.39233999 | 952134060.9300001 | 0.08981716745729064 UNIBK | 1915328760 | 13418084694.282 | 0.14274233645403958 CBNA | 0 | 325679000 | 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 juin 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2018 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 50 | 124974750 | 0 | 0 | 0 | 0 | 50 | 124974750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 84785000 | 6 | 834848000 | 0 | 16 | 919633000 | 0.09219438623885833 | 0.9078056137611417 | 0 | 1 CAPITALBK | 11 | 415331440 | 2 | 324115720 | 0 | 0 | 13 | 739447160 | 0.5616783219506855 | 0.43832167804931454 | 0 | 1 SOGEBK | 25 | 945958905.55 | 1 | 320930536.98 | 1 | 653489862.98 | 27 | 1920379305.51 | 0.4925896164553696 | 0.16711830629458366 | 0.34029207725004673 | 1 SOGEBL | 5 | 48225614.1 | 1 | 40878234.02 | 0 | 0 | 6 | 89103848.12 | 0.5412293084699606 | 0.4587706915300394 | - | 1 UNIBK | 8 | 894407000 | 1 | 705097000 | 0 | 0 | 9 | 1599504000 | 0.5591777200932289 | 0.4408222799067711 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 124974750 | 5108336000 | 0.02446486487967902 BPH | 0 | -44411179.12 | 0 BUH | 919633000 | 2031872000 | 0.4526038057515434 CAPITALBK | 739447160 | 2534410770 | 0.29176294890823873 SOGEBK | 1920379305.51 | 5696183472 | 0.3371343839168388 SOGEBL | 89103848.12 | 523750866.35 | 0.17012639757707965 UNIBK | 1599504000 | 13439818000 | 0.119012325910961 CBNA | 0 | 507809000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2018 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 52 | 3 | 1045426000 | 6 | 4469337000 | 2 | 3498367000 | 11 | 0.2727272727272727 | 0.5454545454545454 | 0.18181818181818182 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 8 | 858188000 | 5 | 1075711000 | 2 | 1076965000 | 15 | 0.5333333333333333 | 0.3333333333333333 | 0.13333333333333333 | 1 CAPITALBK | 10 | 6 | 1018505080 | 5 | 1676728270 | 0 | 0 | 11 | 0.5454545454545454 | 0.45454545454545453 | 0 | 1 SOGEBK | 26 | 13 | 4961236000 | 3 | 2731424000 | 0 | 0 | 16 | 0.8125 | 0.1875 | 0 | 1 SOGEBL | 5 | 7 | 249099193.67999998 | 1 | 53645057.79 | 0 | 0 | 8 | 0.875 | 0.125 | - | 1 UNIBK | 6 | 5 | 4781519000 | 3 | 4644359000 | 0 | 0 | 8 | 0.625 | 0.375 | - | 1 CBNA | 0 | 2 | 65962000 | 3 | 280270000 | 0 | 0 | 5 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 125261500 | 4989272000 | 0.025106167793617986 BPH | 0 | -45030000 | 0 BUH | 755161000 | 1496676000 | 0.5045587688985459 CAPITALBK | 745553350 | 2246991000 | 0.3318007726777722 SOGEBK | 1921436000 | 5479827000 | 0.35063807671300573 SOGEBL | 89003304.81 | 496930144.96 | 0.17910627019249206 UNIBK | 1647963000 | 13031372000 | 0.12646120454546153 CBNA | 0 | 598461000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU31 DECEMBRE 2017 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 53 | 137867750 | 0 | 0 | 0 | 0 | 53 | 137867750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 8009000 | 5 | 571705000 | 1 | 154658000 | 13 | 734372000 | 0.010905916892256241 | 0.7784950951288993 | 0.21059898797884452 | 1 CAPITALBK | 11 | 351935730 | 1 | 175808990 | 0 | 0 | 12 | 527744720 | 0.6668673634479944 | 0.3331326365520057 | 0 | 1 SOGEBK | 22 | 1136703572.7 | 0 | 0 | 1 | 627123442.71 | 23 | 1763827015.41 | 0.6444529779672153 | 0 | 0.3555470220327846 | 1 SOGEBL | 5 | 50405130.74 | 1 | 39112356.15 | 0 | 0 | 6 | 89517486.89 | 0.563075802183079 | 0.43692419781692104 | - | 1 UNIBK | 6 | 1468197000 | 0 | 0 | 0 | 0 | 6 | 1468197000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 137867750 | 4745132000 | 0.02905456581608267 BPH | 0 | -44045000 | 0 BUH | 734372000 | 1457229000 | 0.5039509919168504 CAPITALBK | 527744720 | 2481279050 | 0.2126905960053143 SOGEBK | 1763827015.41 | 5804910517.94 | 0.3038508535073738 SOGEBL | 89517486.89 | 590705431.33 | 0.15154336178769734 UNIBK | 1468197000 | 13031372000 | 0.11266634088874142 CBNA | 0 | 586280000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2017 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 55 | 152564250 | 0 | 0 | 0 | 0 | 55 | 152564250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 5 | 61109000 | 5 | 473144000 | 1 | 143693000 | 11 | 677946000 | 0.09013844760497149 | 0.6979080929749567 | 0.2119534594200718 | 1 CAPITALBK | 6 | 174107480 | 2 | 305552370 | 0 | 0 | 8 | 479659850 | 0.3629811417403395 | 0.6370188582596604 | 0 | 1 SOGEBK | 21 | 595360396 | 3 | 1258690221 | 0 | 0 | 24 | 1854050617 | 0.32111334531057195 | 0.678886654689428 | 0 | 1 SOGEBL | 5 | 54666094 | 1 | 38595477 | 0 | 0 | 6 | 93261571 | 0.5861588370626954 | 0.4138411629373046 | - | 1 UNIBK | 7 | 1509522000 | 0 | 0 | 0 | 0 | 7 | 1509522000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 152564250 | 4266484000 | 0.03575877701639101 BPH | 0 | -46711000 | 0 BUH | 677946000 | 1389154000 | 0.4880279652219984 CAPITALBK | 479359850 | 2187573000 | 0.2191286187935214 SOGEBK | 1854050617 | 5289347398 | 0.3505254008653413 SOGEBL | 93261570 | 567604020 | 0.1643074515222778 UNIBK | 1509522000 | 16630099000 | 0.09077047587028797 CBNA | 0 | 576396000 | 0 [Apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2017 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 56 | 166714750 | 0 | 0 | 0 | 0 | 56 | 166714750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 65421000 | 5 | 550439000 | 1 | 158300000 | 13 | 774160000 | 0.08450578691743309 | 0.7110145189624884 | 0.20447969412007855 | 1 CAPITALBK | 10 | 254256300 | 2 | 270536830 | 0 | 0 | 12 | 524793130 | 0.4844886212591998 | 0.5155113787408002 | 0 | 1 SOGEBK | 20 | 514528628.20000005 | 3 | 978177082.98 | 0 | 0 | 23 | 1492705711.18 | 0.34469529013408784 | 0.6553047098659122 | 0 | 1 SOGEBL | 5 | 50024261.21 | 1 | 38479653.33 | 0 | 0 | 6 | 88503914.53999999 | 0.5652208884770986 | 0.4347791115229015 | - | 1 UNIBK | 9 | 1556542000 | 0 | 0 | 0 | 0 | 9 | 1556542000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 166714750 | 4026319000 | 0.04140624476103359 BPH | 0 | -41441000 | 0 BUH | 774160000 | 1341481000 | 0.577093525737599 CAPITALBK | 524793130 | 2098319000 | 0.25010169092497375 SOGEBK | 1492705711.18 | 5176367094 | 0.2883693687239099 SOGEBL | 88503914.53999999 | 543397152.06 | 0.16287150973185024 UNIBK | 1556542000 | 13370343000 | 0.11641750701533984 CBNA | 0 | 561718000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2017 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 55 | 163553000 | 0 | 0 | 0 | 0 | 55 | 163553000 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 47452000 | 4 | 401689000 | 1 | 163986000 | 11 | 613127000 | 0.0773934274628258 | 0.6551481177635302 | 0.26745845477364394 | 1 CAPITALBK | 9 | 163820860 | 2 | 282182060 | 0 | 0 | 11 | 446002920 | 0.36730894048855106 | 0.6326910595114489 | 0 | 1 SOGEBK | 19 | 741386568 | 2 | 734668772 | 0 | 0 | 21 | 1476055340 | 0.5022755908325226 | 0.4977244091674774 | 0 | 1 SOGEBL | 4 | 29039474 | 2 | 84622499 | 0 | 0 | 6 | 113661973 | 0.2554897934069823 | 0.7445102065930177 | - | 1 UNIBK | 9 | 1742645000 | 0 | 0 | 0 | 0 | 9 | 1742645000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 163553000 | 3820406000 | 0.04281037146313769 BPH | 0 | 2227000 | 0 BUH | 613127000 | 1286179000 | 0.47670425345150247 CAPITALBK | 446002920 | 1983799000 | 0.22482263576098183 SOGEBK | 1476055340 | 4835607082 | 0.3052471623458508 SOGEBL | 113661973 | 516772949 | 0.21994567095655002 UNIBK | 1742645000 | 12529639000 | 0.13908182031421656 CBNA | 0 | 549556000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2016 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 53 | 147718750 | 0 | 0 | 0 | 0 | 53 | 147718750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 3 | 1449000 | 3 | 264105000 | 2 | 273893000 | 8 | 539447000 | 0.0026860840824029053 | 0.4895847043361072 | 0.50772921158149 | 1 CAPITALBK | 35 | 224831880 | 1 | 153755320 | 0 | 0 | 36 | 378587200 | 0.5938707911942084 | 0.4061292088057916 | 0 | 1 SOGEBK | 18 | 711296441.6999999 | 3 | 862344092.96 | 0 | 0 | 21 | 1573640534.6599998 | 0.45200693934443065 | 0.5479930606555694 | 0 | 1 SOGEBL | 5 | 48599855.68 | 1 | 40075501.980000004 | 0 | 0 | 6 | 88675357.66 | 0.5480649524566011 | 0.45193504754339897 | - | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 65131000 | 0 | 0 | 0 | 0 | 2 | 65131000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 147718750 | 3950164000 | 0.03739559927132139 BPH | 0 | -5601000 | 0 BUH | 539447000 | 1190335000 | 0.45318922824246954 CAPITALBK | 378587200 | 1943218000 | 0.1948248729684472 SOGEBK | 1573640534.6599998 | 5147732725 | 0.3056958507223197 SOGEBL | 88675357.66 | 572092769.13 | 0.15500171029053816 UNIBK | 1467155000 | 9280136000 | 0.15809628220965727 CBNA | 0 | 562695000 | 0 SCOTIABK | 65131000 | 4928470000 | 0.01321525747341467 [Apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2016 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 51 | 129154750 | 0 | 0 | 0 | 0 | 51 | 129154750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 26804000 | 2 | 176899000 | 3 | 469930000 | 12 | 673633000 | 0.03979021217784758 | 0.26260441516374644 | 0.6976053726584059 | 1 CAPITALBK | 35 | 191746700 | 1 | 158930410 | 0 | 0 | 36 | 350677110 | 0.5467898945557068 | 0.4532101054442932 | 0 | 1 SOGEBK | 19 | 699022319.36 | 2 | 557723696.05 | 0 | 0 | 21 | 1256746015.4099998 | 0.5562160617887072 | 0.4437839382112929 | 0 | 1 SOGEBL | 4 | 39564295.89 | 1 | 38794443.550000004 | 0 | 0 | 5 | 78358739.44 | 0.5049123578652608 | 0.4950876421347393 | - | 1 UNIBK | 7 | 286789000 | 2 | 1096212000 | 0 | 0 | 9 | 1383001000 | 0.2073671674857791 | 0.7926328325142209 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 8628000 | 0 | 0 | 0 | 0 | 1 | 8628000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 129154750 | 3658023000 | 0.03530725476575735 BPH | 0 | -9375000 | 0 BUH | 673633000 | 1104228000 | 0.6100488304951514 CAPITALBK | 350677110 | 1851215000 | 0.18943078464684004 SOGEBK | 1256746015.4099998 | 5067415459 | 0.2480053245245467 SOGEBL | 78358739.44 | 572431847.0400001 | 0.13688745628879115 UNIBK | 1383001000 | 8300270000 | 0.16662120629810837 CBNA | 0 | 571732000 | 0 SCOTIABK | 8628000 | 468914000 | 0.018399962466465067 [Apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2016 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 51 | 135498500 | 0 | 0 | 0 | 0 | 51 | 135498500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 21539000 | 1 | 43625000 | 5 | 925796000 | 13 | 990960000 | 0.021735488818923066 | 0.04402296762735126 | 0.9342415435537257 | 1 CAPITALBK | 35 | 209574940 | 1 | 119382970 | 0 | 0 | 36 | 328957910 | 0.6370874012423048 | 0.36291259875769516 | 0 | 1 SOGEBK | 21 | 745642383 | 2 | 597134500 | 0 | 0 | 23 | 1342776883 | 0.5552987934481741 | 0.44470120655182593 | 0 | 1 SOGEBL | 3 | 35639081 | 1 | 38994967 | 0 | 0 | 4 | 74634048 | 0.4775177275658423 | 0.5224822724341577 | - | 1 UNIBK | 8 | 238119000 | 2 | 1081740000 | 0 | 0 | 10 | 1319859000 | 0.18041245314840448 | 0.8195875468515955 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 9783000 | 0 | 0 | 0 | 0 | 1 | 9783000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 135498500 | 3525332000 | 0.03843567073966367 BPH | 0 | -3758000 | 0 BUH | 990960000 | 753949000 | 1.3143594593268244 CAPITALBK | 328957910 | 1775420000 | 0.18528455802007412 SOGEBK | 1342776883 | 4764211494 | 0.28184661505709385 SOGEBL | 74634048 | 535941700 | 0.13925777374665937 UNIBK | 1319859000 | 8300270000 | 0.15901398388245203 CBNA | 0 | 574144000 | 0 SCOTIABK | 9783000 | 457663000 | 0.021375990630660553 [Apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2016 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 48 | 124438750 | 0 | 0 | 0 | 0 | 48 | 124438750 | 1 | 0 | 0 | 1 BPH | 1 | 513000 | 1 | 890000 | 0 | 0 | 2 | 1403000 | 0.36564504632929434 | 0.6343549536707056 | 0 | 1 BUH | 8 | 37799000 | 2 | 94873000 | 3 | 661374000 | 13 | 794046000 | 0.04760303559239641 | 0.11948048349843712 | 0.8329164809091665 | 1 CAPITALBK | 35 | 252982390 | 1 | 125497560 | 0 | 0 | 36 | 378479950 | 0.6684168870768451 | 0.33158311292315484 | 0 | 1 SOGEBK | 20 | 773038480 | 2 | 561079405 | 0 | 0 | 22 | 1334117885 | 0.579437910766034 | 0.420562089233966 | 0 | 1 SOGEBL | 3 | 28557370 | 2 | 64467678 | 0 | 0 | 5 | 93025048 | 0.3069858131113246 | 0.6930141868886754 | - | 1 UNIBK | 7 | 292615000 | 2 | 1109454000 | 0 | 0 | 9 | 1402069000 | 0.20870228212734182 | 0.7912977178726582 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 9479000 | 0 | 0 | 0 | 0 | 2 | 9479000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 124438750 | 3339833000 | 0.03725897372712947 BPH | 1403000 | 14536000 | 0.09651898734177215 BUH | 794046000 | 709303000 | 1.119473624107046 CAPITALBK | 378479950 | 1371419000 | 0.27597688963037553 SOGEBK | 1334117885 | 4508100610 | 0.2959379127521291 SOGEBL | 93025048 | 506768165 | 0.18356529558244844 UNIBK | 1402069000 | 7895160000 | 0.1775858880630665 CBNA | 0 | 633552000 | 0 SCOTIABK | 9479000 | 440234000 | 0.02153173085222859 [Apparentés décembre 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2015 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 47 | 111677500 | 0 | 0 | 0 | 0 | 47 | 111677500 | 1 | 0 | 0 | 1 BPH | 1 | 658000 | 0 | 0 | 0 | 0 | 1 | 658000 | 1 | 0 | 0 | 1 BUH | 5 | 30488000 | 2 | 101673000 | 2 | 310074000 | 9 | 442235000 | 0.06894072156206542 | 0.22990717604893326 | 0.7011521023890013 | 1 CAPITALBK | 35 | 190107920 | 1 | 120225730 | 0 | 0 | 36 | 310333650 | 0.6125920279673184 | 0.3874079720326816 | 0 | 1 SOGEBK | 19 | 976916854 | 1 | 305790927 | 0 | 0 | 20 | 1282707781 | 0.7616051515945392 | 0.2383948484054608 | 0 | 1 SOGEBL | 7 | 253504073 | 1 | 169656588 | 0 | 0 | 8 | 423160661 | 0.5990728731752312 | 0.40092712682476883 | - | 1 UNIBK | 6 | 149242000 | 2 | 1072817000 | 0 | 0 | 8 | 1222059000 | 0.12212339993404574 | 0.8778766000659542 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 10663000 | 0 | 0 | 0 | 0 | 2 | 10663000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 111677500 | 3024880000 | 0.036919646399196 BPH | 658000 | 55895000 | 0.011772072636192862 BUH | 442235000 | 666093000 | 0.6639238064354377 CAPITALBK | 310333650 | 1401795000 | 0.22138304816324783 SOGEBK | 1282707781 | 4460283138 | 0.28758438451402185 SOGEBL | 423160661 | 534803669 | 0.7912448727048654 UNIBK | 1222059000 | 7895160000 | 0.15478584347878954 CBNA | 0 | 648908000 | 0 SCOTIABK | 10663000 | 366551000 | 0.029090085690667875 [Apparentés septembre 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2015 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 59172500 | 0 | 0 | 0 | 0 | 41 | 59172500 | 1 | 0 | 0 | 1 BPH | 2 | 2117000 | 0 | 0 | 0 | 0 | 2 | 2117000 | 1 | 0 | 0 | 1 BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0.33074705818532624 | 0.13718694194955883 | 0.5320659998651149 | 1 CAPITALBK | 36 | 166682770 | 1 | 93256350 | 0 | 0 | 37 | 259939120 | 0.641237725202732 | 0.3587622747972679 | 0 | 1 SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1 SOGEBL | 2 | 26789144 | 3 | 95027845 | 0 | 0 | 5 | 121816989 | 0.21991303692459513 | 0.7800869630754048 | - | 1 UNIBK | 7 | 158137000 | 2 | 1050193000 | 0 | 0 | 9 | 1208330000 | 0.13087236102720284 | 0.8691276389727972 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 9322000 | 0 | 0 | 0 | 0 | 1 | 9322000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 59172500 | 2757312000 | 0.02146021197456073 BPH | 2117000 | 68029380 | 0.031118907742507723 BUH | 341031000 | 583323000 | 0.5846349278187214 CAPITALBK | 259939120 | 1286648000 | 0.20202815377632422 SOGEBK | 1526220033 | 4260714061 | 0.3582075706441076 SOGEBL | 121816989 | 509363626 | 0.23915525723071557 UNIBK | 1208330000 | 6069313000 | 0.19908843060161835 CBNA | 0 | 625499000 | 0 SCOTIABK | 9322000 | 359538000 | 0.02592771834965984 [Apparentés juin 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2015 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 38 | 56685250 | 0 | 0 | 0 | 0 | 38 | 56685250 | 1 | 0 | 0 | 1 BPH | 2 | 2130000 | 0 | 0 | 0 | 0 | 2 | 2130000 | 1 | 0 | 0 | 1 BUH | 7 | 59697000 | 2 | 53303000 | 4 | 382738000 | 13 | 495738000 | 0.12042046403543807 | 0.1075225219773348 | 0.7720570139872271 | 1 CAPITALBK | 34 | 143151530 | 1 | 73481940 | 0 | 0 | 35 | 216633470 | 0.6608006140510051 | 0.33919938594899485 | 0 | 1 SOGEBK | 17 | 743554354 | 3 | 882844708 | 0 | 0 | 20 | 1626399062 | 0.4571782973642664 | 0.5428217026357336 | 0 | 1 SOGEBL | 4 | 34994327 | 2 | 56689915 | 0 | 0 | 6 | 91684242 | 0.38168311409500444 | 0.6183168859049956 | - | 1 UNIBK | 6 | 131754000 | 2 | 976810000 | 0 | 0 | 8 | 1108564000 | 0.11885105415654847 | 0.8811489458434515 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 2593000 | 0 | 0 | 1 | 117901000 | 2 | 120494000 | 0.02151974372167909 | 0 | 0.9784802562783209 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 56685250 | 2590220000 | 0.021884338009898772 BPH | 2130000 | 83507000 | 0.025506843737650737 BUH | 495738000 | 450430000 | 1.1005883267100327 CAPITALBK | 216633470 | 1067618000 | 0.20291290517769464 SOGEBK | 1626399062 | 3893953602 | 0.41767294329461296 SOGEBL | 91684242 | 456907834 | 0.20066244257042 UNIBK | 1108564000 | 6067523000 | 0.1827045402217676 CBNA | 0 | 561408000 | 0 SCOTIABK | 120494000 | 347180000 | 0.3470649230946483 [Apparentés mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2015 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 38 | 56685250 | 0 | 0 | 0 | 0 | 38 | 56685250 | 1 | 0 | 0 | 1 BPH | 2 | 2130000 | 0 | 0 | 0 | 0 | 2 | 2130000 | 1 | 0 | 0 | 1 BUH | 7 | 59697000 | 2 | 53303000 | 4 | 382738000 | 13 | 495738000 | 0.12042046403543807 | 0.1075225219773348 | 0.7720570139872271 | 1 CAPITALBK | 34 | 143151530 | 1 | 73481940 | 0 | 0 | 35 | 216633470 | 0.6608006140510051 | 0.33919938594899485 | 0 | 1 SOGEBK | 17 | 743554354 | 3 | 882844708 | 0 | 0 | 20 | 1626399062 | 0.4571782973642664 | 0.5428217026357336 | 0 | 1 SOGEBL | 4 | 34994327 | 2 | 56689915 | 0 | 0 | 6 | 91684242 | 0.38168311409500444 | 0.6183168859049956 | - | 1 UNIBK | 6 | 131754000 | 2 | 976810000 | 0 | 0 | 8 | 1108564000 | 0.11885105415654847 | 0.8811489458434515 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 2593000 | 0 | 0 | 1 | 117901000 | 2 | 120494000 | 0.02151974372167909 | 0 | 0.9784802562783209 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 56685250 | 2590220000 | 0.021884338009898772 BPH | 2130000 | 83507000 | 0.025506843737650737 BUH | 495738000 | 450430000 | 1.1005883267100327 CAPITALBK | 216633470 | 1067618000 | 0.20291290517769464 SOGEBK | 1626399062 | 3893953602 | 0.41767294329461296 SOGEBL | 91684242 | 456907834 | 0.20066244257042 UNIBK | 1108564000 | 6067523000 | 0.1827045402217676 CBNA | 0 | 561408000 | 0 SCOTIABK | 120494000 | 347180000 | 0.3470649230946483 [Apparentés déc. 14] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 42 | 64503750 | 0 | 0 | 0 | 0 | 42 | 64503750 | 1 | 0 | 0 | 1 BPH | 2 | 2380000 | 0 | 0 | 0 | 0 | 2 | 2380000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 3 | 89511000 | 1 | 47863000 | 4 | 137374000 | 0 | 0.651586180791125 | 0.34841381920887504 | 1 CAPITALBK | 30 | 70156010 | 2 | 127386810 | 0 | 0 | 32 | 197542820 | 0.35514330513252773 | 0.6448566948674723 | 0 | 1 SOGEBK | 15 | 620007703 | 2 | 549687708 | 1 | 582060848 | 18 | 1751756259 | 0.3539349152112834 | 0.31379234706647624 | 0.33227273772224036 | 1 SOGEBL | 4 | 25488005 | 1 | 28915401 | 0 | 0 | 5 | 54403406 | 0.4685001707429862 | 0.5314998292570138 | - | 1 UNIBK | 5 | 119674000 | 2 | 961076000 | 0 | 0 | 7 | 1080750000 | 0.1107323617857969 | 0.8892676382142031 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 4613000 | 0 | 0 | 1 | 115036000 | 2 | 119649000 | 0.0385544383989837 | 0 | 0.9614455616010164 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 64503750 | 2280241000 | 0.028288128316261308 BPH | 2380000 | 129301000 | 0.01840666352155049 BUH | 137374000 | 389080000 | 0.3530739179603166 CAPITALBK | 197542820 | 1007077000 | 0.19615463365760513 SOGEBK | 1751756260 | 3967203492 | 0.4415594671492087 SOGEBL | 54403406 | 451558205 | 0.12047927686310118 UNIBK | 1080750000 | 5190006000 | 0.208236753483522 CBNA | 0 | 442537000 | 0 SCOTIABK | 119649000 | 306459000 | 0.39042416767006355 [Apparentés sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 42 | 64503750 | 0 | 0 | 0 | 0 | 42 | 64503750 | 1 | 0 | 0 | 1 BPH | 2 | 2380000 | 0 | 0 | 0 | 0 | 2 | 2380000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 3 | 89511000 | 1 | 47863000 | 4 | 137374000 | 0 | 0.651586180791125 | 0.34841381920887504 | 1 CAPITALBK | 30 | 70156010 | 2 | 127386810 | 0 | 0 | 32 | 197542820 | 0.35514330513252773 | 0.6448566948674723 | 0 | 1 SOGEBK | 15 | 620007703 | 2 | 549687708 | 1 | 582060848 | 18 | 1751756259 | 0.3539349152112834 | 0.31379234706647624 | 0.33227273772224036 | 1 SOGEBL | 4 | 25488005 | 1 | 28915401 | 0 | 0 | 5 | 54403406 | 0.4685001707429862 | 0.5314998292570138 | - | 1 UNIBK | 5 | 119674000 | 2 | 961076000 | 0 | 0 | 7 | 1080750000 | 0.1107323617857969 | 0.8892676382142031 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 4613000 | 0 | 0 | 1 | 115036000 | 2 | 119649000 | 0.0385544383989837 | 0 | 0.9614455616010164 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 64503750 | 2280241000 | 0.028288128316261308 BPH | 2380000 | 129301000 | 0.01840666352155049 BUH | 137374000 | 389080000 | 0.3530739179603166 CAPITALBK | 197542820 | 1007077000 | 0.19615463365760513 SOGEBK | 1751756260 | 3967203492 | 0.4415594671492087 SOGEBL | 54403406 | 451558205 | 0.12047927686310118 UNIBK | 1080750000 | 5190006000 | 0.208236753483522 CBNA | 0 | 442537000 | 0 SCOTIABK | 119649000 | 306459000 | 0.39042416767006355 [Apparentés juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 58825250 | 0 | 0 | 0 | 0 | 41 | 58825250 | 1 | 0 | 0 | 1 BPH | 2 | 2007000 | 0 | 0 | 0 | 0 | 2 | 2007000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 1 | 29776000 | 4 | 212528000 | 5 | 242304000 | 0 | 0.12288695192815637 | 0.8771130480718436 | 1 CAPITALBK | 28 | 55850680 | 2 | 122838770 | 0 | 0 | 30 | 178689450 | 0.31255723267378127 | 0.6874427673262188 | 0 | 1 SOGEBK | 16 | 744706296 | 1 | 291572647 | 1 | 419951237 | 18 | 1456230180 | 0.5113932578982809 | 0.20022428528434977 | 0.28838245681736935 | 1 SOGEBL | 5 | 34033675 | 1 | 29482605 | 0 | 0 | 6 | 63516280 | 0.53582601185082 | 0.46417398814918004 | - | 1 UNIBK | 6 | 118130000 | 2 | 904558000 | 0 | 0 | 8 | 1022688000 | 0.11550932444694766 | 0.8844906755530524 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 58825250 | 2118187000 | 0.027771509314333438 BPH | 2007000 | 127040000 | 0.01579817380352645 BUH | 242304000 | 372108000 | 0.6511657905769292 CAPITALBK | 178689450 | 905300000 | 0.19738147575389373 SOGEBK | 1456230180 | 3838666380 | 0.37935835934770656 SOGEBL | 63516280 | 399003481 | 0.1591872828798704 UNIBK | 1022688000 | 5619638000 | 0.18198467588125783 CBNA | 0 | 435685000 | 0 SCOTIABK | 0 | 309086000 | 0 [Apparentés mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 59692250 | 0 | 0 | 0 | 0 | 41 | 59692250 | 1 | 0 | 0 | 1 BPH | 2 | 2128000 | 0 | 0 | 0 | 0 | 2 | 2128000 | 1 | 0 | 0 | 1 BUH | 1 | 17710000 | 2 | 62358000 | 1 | 53582000 | 4 | 133650000 | 0.1325102880658436 | 0.46657687991021324 | 0.4009128320239431 | 1 CAPITALBK | 30 | 72040450 | 2 | 127887770 | 0 | 0 | 32 | 199928220 | 0.3603315730015503 | 0.6396684269984497 | 0 | 1 SOGEBK | 16 | 686856444 | 1 | 299447475 | 1 | 441034364 | 18 | 1427338283 | 0.4812148964128919 | 0.20979432736198808 | 0.30899077622512 | 1 SOGEBL | 6 | 46486230 | 0 | 0 | 0 | 0 | 6 | 46486230 | 1 | 0 | - | 1 UNIBK | 7 | 124081000 | 2 | 995259000 | 0 | 0 | 9 | 1119340000 | 0.11085193060196187 | 0.8891480693980381 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 7323000 | 0 | 0 | 0 | 0 | 1 | 7323000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 59692250 | 1858857000 | 0.032112341078415395 BPH | 2128000 | 134672000 | 0.01580135440180587 BUH | 133650000 | 383104000 | 0.3488608837287003 CAPITALBK | 199928220 | 824283000 | 0.2425480326538337 SOGEBK | 1427338283 | 3694541732 | 0.3863370308250182 SOGEBL | 46486230 | 361072049 | 0.12874502506839017 UNIBK | 1119340000 | 5266914000 | 0.2125229308851445 CBNA | 0 | 355797000 | 0 SCOTIABK | 7323000 | 322186000 | 0.022729106789245963 [Apparentés déc. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DÉCEMBRE 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 58450250 | 0 | 0 | 0 | 0 | 41 | 58450250 | 1 | 0 | 0 | 1 BPH | 2 | 1824000 | 0 | 0 | 0 | 0 | 2 | 1824000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 0 | 0 | 3 | 114786000 | 3 | 114786000 | 0 | 0 | 1 | 1 CAPITALBK | 31 | 97532880 | 1 | 48759000 | 0 | 0 | 32 | 146291880 | 0.6667005714876314 | 0.33329942851236855 | 0 | 1 SOGEBK | 15 | 475948270 | 2 | 519196608 | 1 | 462172372 | 18 | 1457317250 | 0.3265920786980323 | 0.35626875891299575 | 0.31713916238897194 | 1 SOGEBL | 6 | 55340626 | 0 | 0 | 0 | 0 | 6 | 55340626 | 1 | 0 | - | 1 UNIBK | 7 | 90109500 | 2 | 764987000 | 0 | 0 | 9 | 855096500 | 0.10537933437921919 | 0.8946206656207808 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 7694000 | 0 | 0 | 0 | 0 | 1 | 7694000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 58450250 | 1891133000 | 0.03090753003622696 BPH | 1824000 | 202275000 | 0.009017426770485724 BUH | 114786000 | 221541000 | 0.5181253131474535 CAPITALBK | 146291880 | 851135000 | 0.17187858565327474 SOGEBK | 1457317250 | 3856976950 | 0.3778392427260941 SOGEBL | 55340626 | 386006883 | 0.14336694094649086 UNIBK | 855096500 | 4921291000 | 0.17375450872545437 CBNA | 0 | 329080000 | 0 SCOTIABK | 7694000 | 309696000 | 0.02484371771027072 [Apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 40 | 50822500 | 0 | 0 | 0 | 0 | 40 | 50822500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 BUH | 0 | 0 | 0 | 0 | 2 | 87742900 | 2 | 87742900 | 0 | 0 | 1 | 1 CAPITALBK | 32 | 137959600 | 0 | 0 | 0 | 0 | 32 | 137959600 | 1 | - | - | 1 SOGEBK | 14 | 636670157 | 1 | 311426690 | 1 | 542642824 | 16 | 1490739671 | 0.42708339315402843 | 0.20890749475466264 | 0.36400911209130893 | 1 SOGEBL | 6 | 50315020 | 0 | 0 | 0 | 0 | 6 | 50315020 | 1 | 0 | - | 1 UNIBK | 7 | 42411200 | 2 | 725913000 | 0 | 0 | 9 | 768324200 | 0.05519961495420813 | 0.9448003850457919 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | 0 | #DIV/0! SCOTIABK | 1 | 7667000 | 0 | 0 | 0 | 0 | 1 | 7667000 | 1 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 50822500 | 1693916000 | 0.03000296354718888 BPH | 0 | 195473000 | 0 BUH | 87742900 | 221541000 | 0.3960571632338935 CAPITALBK | 137959600 | 804757000 | 0.17143013356826967 SOGEBK | 1490739671 | 3859900176 | 0.38621197518761946 SOGEBL | 50315020 | 384139418 | 0.13098114289328153 UNIBK | 768324200 | 4595480000 | 0.16719128360911156 CBNA | 0 | 347892000 | 0 SCOTIABK | 7667000 | 314826000 | 0.024353134747447797 [Non apparentés mars 23] 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 | 3 | 1340528625 | 4 | 3947954650 | 1 | 2248750970 | 8 | 7537234245 | 0.1778541811791601 | 0.5237935457053053 | 0.2983522731155346 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 2 | 402692786.6042601 | 9 | 4078392280.292735 | 3 | 2386867080.172161 | 14 | 6867952147.069157 | 0.05863360401777202 | 0.5938294549756227 | 0.3475369410066052 | 1 CAPITALBK | 1 | 735669000 | 3 | 2802395000 | 0 | 0 | 4 | 3538064000 | 0.207929816984656 | 0.7920701830153439 | 0 | 1 SOGEBK | 11 | 8394807035.32 | 6 | 10367621227.537 | 2 | 4537809266.955 | 19 | 23300237529.812004 | 0.3602884745092868 | 0.4449577483608018 | 0.1947537771299112 | 0.9999999999999998 SOGEBL | 2 | 118969321.46351801 | 0 | 0 | 0 | 0 | 2 | 118969321.46351801 | 1 | 0 | 0 | 1 UNIBK | 4 | 6350529630 | 9 | 23818635030 | 0 | 0 | 13 | 30169164660 | 0.21049736383387155 | 0.7895026361661285 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 1 | 93050067.5 | 1 | 93050067.5 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc. 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 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 | 2 | 770502956 | 5 | 4689503765 | 1 | 2128227730 | 8 | 7588234451 | 0.10153916052217665 | 0.6179966888585003 | 0.280464150619323 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 1079936564.074 | 6 | 3056700469.9597 | 3 | 2512473592.376 | 13 | 6649110626.4097 | 0.16241819767362328 | 0.4597156885642339 | 0.37786611376214274 | 0.9999999999999999 CAPITALBK | 3 | 2163144000 | 1 | 1133769000 | 0 | 0 | 4 | 3296913000 | 0.6561119447191964 | 0.3438880552808036 | 0 | 1 SOGEBK | 9 | 6486543770.7227 | 5 | 8043988757.084217 | 3 | 6760158185.03075 | 17 | 21290690712.83767 | 0.30466572729890357 | 0.3778171814892753 | 0.3175170912118211 | 1 SOGEBL | 4 | 241261877.6016 | 0 | 0 | 0 | 0 | 4 | 241261877.6016 | 1 | 0 | 0 | 1 UNIBK | 4 | 5537076810 | 9 | 23393050580 | 0 | 0 | 13 | 28930127390 | 0.1913948298725414 | 0.8086051701274586 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 1 | 92745470 | 1 | 92745470 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [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 | 2154395435 | 3 | 2812938605 | 1 | 1723199839.9999998 | 8 | 6690533880 | 0.3220065055555776 | 0.42043559683760245 | 0.25755789760681996 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 2 | 406106991.3250065 | 8 | 3272216767.6059375 | 2 | 1517407628.044643 | 12 | 5195731386.975587 | 0.07816166023190041 | 0.6297894413496 | 0.29204889841849957 | 1 CAPITALBK | 3 | 1764162685.8899999 | 1 | 892540238.6700001 | 0 | 0 | 4 | 2656702924.56 | 0.6640421364320132 | 0.33595786356798685 | 0 | 1 SOGEBK | 6 | 3211196670.927303 | 10 | 14049425400.632898 | 0 | 0 | 16 | 17260622071.5602 | 0.1860417693878075 | 0.8139582306121926 | 0 | 1.0000000000000002 SOGEBL | 1 | 53069407.446582004 | 0 | 0 | 0 | 0 | 1 | 53069407.446582004 | 1 | 0 | 0 | 1 UNIBK | 8 | 7994556320 | 8 | 16685831110 | 0 | 0 | 16 | 24680387430 | 0.3239234530930538 | 0.6760765469069462 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 1 | 92745467.50000001 | 1 | 92745467.50000001 | 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 juin 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2018 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 680201000 | 7 | 4914939000 | 2 | 2769595000 | 11 | 8364735000 | 0.08131769864795478 | 0.5875785664459184 | 0.3311037349061267 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 815193000 | 6 | 1664694000 | 1 | 736271000 | 13 | 3216158000 | 0.2534679577309324 | 0.5176033018278331 | 0.22892874044123454 | 1 CAPITALBK | 3 | 571957550 | 5 | 1725597730 | 0 | 0 | 8 | 2297555280 | 0.2489418013045588 | 0.7510581986954412 | 0 | 1 SOGEBK | 13 | 5103768692.749999 | 2 | 1642143063.71 | 1 | 1238780228 | 16 | 7984691984.459999 | 0.6391941859101237 | 0.20566141648368888 | 0.15514439760618745 | 1 SOGEBL | 6 | 208059865.17 | 1 | 54029353.190000005 | 0 | 0 | 7 | 262089218.35999998 | 0.7938512941200562 | 0.2061487058799438 | 0 | 1 UNIBK | 5 | 5112220000 | 4 | 6240759000 | 0 | 0 | 9 | 11352979000 | 0.45029767076993626 | 0.5497023292300638 | 0 | 1 CBNA | 0 | 0 | 3 | 232620000 | 2 | 203124000 | 5 | 435744000 | 0 | 0.5338455606961886 | 0.4661544393038114 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2018 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 3 | 1045426000 | 6 | 4469337000 | 2 | 3498367000 | 11 | 9013130000 | 0.11598922904695705 | 0.49586958137739057 | 0.3881411895756524 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 858188000 | 5 | 1075711000 | 2 | 1076965000 | 15 | 3010864000 | 0.285030476301819 | 0.3572765159768093 | 0.3576930077213717 | 1 CAPITALBK | 6 | 1018505080 | 5 | 1676728270 | 0 | 0 | 11 | 2695233350 | 0.377891242700748 | 0.6221087572992521 | 0 | 1 SOGEBK | 13 | 4961236000 | 3 | 2731424000 | 0 | 0 | 16 | 7692660000 | 0.6449311421536894 | 0.35506885784631065 | 0 | 1 SOGEBL | 7 | 249099193.67999998 | 1 | 53645057.79 | 0 | 0 | 8 | 302744251.46999997 | 0.8228040415977448 | 0.1771959584022552 | 0 | 1 UNIBK | 5 | 4781519000 | 3 | 4644359000 | 0 | 0 | 8 | 9425878000 | 0.5072757147928288 | 0.49272428520717115 | 0 | 1 CBNA | 2 | 65962000 | 3 | 280270000 | 0 | 0 | 5 | 346232000 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 3 | 1056653000 | 7 | 5114509000 | 1 | 1425996000 | 11 | 7597158000 | 0.13908530005562605 | 0.6732134569269193 | 0.1877012430174547 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 832874000 | 5 | 1120713000 | 3 | 1307314000 | 16 | 3260901000 | 0.25541223115942496 | 0.3436820069054534 | 0.4009057619351216 | 1 CAPITALBK | 5 | 868935680 | 4 | 1492921740 | 0 | 0 | 9 | 2361857420 | 0.3679035290792448 | 0.6320964709207553 | 0 | 1 SOGEBK | 13 | 5115263701.09 | 3 | 2570954947.29 | 0 | 0 | 16 | 7686218648.38 | 0.6655110835505738 | 0.33448891644942624 | 0 | 1 SOGEBL | 7 | 274934541.44 | 0 | 0 | 0 | 0 | 7 | 274934541.44 | 1 | 0 | 0 | 1 UNIBK | 4 | 3708081000 | 3 | 4514574000 | 0 | 0 | 7 | 8222655000 | 0.45095908803178536 | 0.5490409119682147 | 0 | 1 CBNA | 0 | 0 | 4 | 392599000 | 2 | 234512000 | 6 | 627111000 | 0 | 0 | 0.37395612578953324 | 0.37395612578953324 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 320369000 | 6 | 3669300000 | 3 | 3362537000 | 10 | 7352206000 | 0.04357454075688304 | 0.4990746994847533 | 0.4573507597583637 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 577973000 | 7 | 1285049000 | 3 | 1272468000 | 16 | 3135490000 | 0.18433259235398614 | 0.40983992932524105 | 0.4058274783207728 | 1 CAPITALBK | 4 | 572627300 | 5 | 1582548240 | 0 | 0 | 9 | 2155175540 | 0.2656986817881202 | 0.7343013182118798 | 0 | 1 SOGEBK | 10 | 3558718351 | 3 | 2105115830 | 1 | 1074335019 | 14 | 6738169200 | 0.5281432159643602 | 0.3124165878767188 | 0.15944019615892102 | 1 SOGEBL | 7 | 271337489 | 0 | 0 | 0 | 0 | 7 | 271337489 | 1 | 0 | 0 | 1 UNIBK | 4 | 4593110000 | 1 | 1685502000 | 0 | 0 | 5 | 6278612000 | 0.7315486289007825 | 0.26845137109921746 | 0 | 1 CBNA | 1 | 40623000 | 4 | 408402000 | 0 | 0 | 5 | 449025000 | 0.09046935025889427 | 0.9095306497411058 | 0 | 1 [Non apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 454025000 | 5 | 2837413500 | 3 | 3371018000 | 10 | 6662456500 | 0.0681467863992808 | 0.42588097948556963 | 0.5059722341151496 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 550073000 | 6 | 1009142000 | 3 | 1199664000 | 15 | 2758879000 | 0.19938279279373977 | 0.36577972430106576 | 0.4348374829051945 | 1 CAPITALBK | 5 | 711931850 | 3 | 839336020 | 0 | 0 | 8 | 1551267870 | 0.4589354706353842 | 0.5410645293646158 | 0 | 1 SOGEBK | 12 | 4216569227.7999997 | 3 | 2232194985.83 | 1 | 1047560480.67 | 16 | 7496324694.299999 | 0.5624848708869513 | 0.2977719184879092 | 0.13974321062513959 | 1 SOGEBL | 8 | 303211655.82000005 | 0 | 0 | 0 | 0 | 8 | 303211655.82000005 | 1 | 0 | 0 | 1 UNIBK | 6 | 6325622000 | 1 | 1685502000 | 0 | 0 | 7 | 8011124000 | 0.7896048045193159 | 0.2103951954806841 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 3 | 337032000 | 3 | 337032000 | 0 | 0 | 1 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 478322500 | 5 | 2793614000 | 3 | 3683647000 | 10 | 6955583500 | 0.0687681342622082 | 0.40163618192492406 | 0.5295956838128677 | 1 BPH | 34 | 5340000 | 31 | 9793000 | 206 | 918277000 | 271 | 933410000 | 0.005720958635540652 | 0.010491638186863222 | 0.9837874031775962 | 1 BUH | 7 | 602774000 | 6 | 1221958000 | 2 | 840903000 | 15 | 2665635000 | 0.2261277331667689 | 0.45841159798697123 | 0.3154606688462599 | 1 CAPITALBK | 6 | 955477130 | 5 | 1335216710 | 0 | 0 | 11 | 2290693840 | 0.4171125417615826 | 0.5828874582384174 | 0 | 1 SOGEBK | 14 | 4614566512 | 2 | 1567495336 | 2 | 2020358013 | 18 | 8202419861 | 0.5625859917194502 | 0.1911015727752442 | 0.24631243550530557 | 1 SOGEBL | 6 | 225565628 | 2 | 138380347 | 0 | 0 | 8 | 363945975 | 0.6197777788310477 | 0.3802222211689523 | 0 | 1 UNIBK | 7 | 3873522000 | 3 | 4370137000 | 0 | 0 | 10 | 8243659000 | 0.46987897000591605 | 0.530121029994084 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 466480000 | 3 | 1568528000 | 3 | 3785905000 | 8 | 5820913000 | 0.08013863117349461 | 0.26946425758295994 | 0.6503971112435455 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 393381000 | 2 | 351447000 | 3 | 983322000 | 9 | 1728150000 | 0.22763128200677024 | 0.20336602725457859 | 0.5690026907386512 | 1 CAPITALBK | 6 | 904143070 | 5 | 1254438780 | 0 | 0 | 11 | 2158581850 | 0.4188597573911779 | 0.5811402426088221 | 0 | 1 SOGEBK | 11 | 3771563052.0900006 | 6 | 4529791118.53 | 0 | 0 | 17 | 8301354170.620001 | 0.4543310614837091 | 0.5456689385162908 | 0 | 1 SOGEBL | 7 | 284435888.55 | 1 | 85798355.44 | 0 | 0 | 8 | 370234243.99 | 0.7682592660382939 | 0.23174073396170616 | 0 | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 Septembre 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 226398500 | 1 | 708806000 | 2 | 2619224000 | 4 | 3554428500 | 0.06369476837134296 | 0.19941489890709577 | 0.7368903327215612 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 484377000 | 1 | 200731000 | 3 | 826881000 | 10 | 1511989000 | 0.32035748937326924 | 0.13275956372698478 | 0.5468829468997459 | 1 CAPITALBK | 2 | 302040090 | 5 | 1278507530 | 0 | 0 | 7 | 1580547620 | 0.19109838019306244 | 0.8089016198069375 | 0 | 1 SOGEBK | 10 | 3327371131.96 | 7 | 4583884954.53 | 0 | 0 | 17 | 7911256086.49 | 0.4205869580738424 | 0.5794130419261576 | 0 | 1 SOGEBL | 5 | 176908283.2 | 3 | 219364522.76 | 0 | 0 | 8 | 396272805.96 | 0.44643054113043834 | 0.5535694588695617 | 0 | 1 UNIBK | 6 | 3120313000 | 5 | 5385967000 | 0 | 0 | 11 | 8506280000 | 0.36682462839219965 | 0.6331753716078004 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 97224000 | 1 | 88661000 | 1 | 127206000 | 5 | 313091000 | 0.31052952655937094 | 0.28317965064470074 | 0.4062908227959283 | 1 [Non apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1230945500 | 1 | 702823000 | 2 | 2587443000 | 8 | 4521211500 | 0.27226010108131415 | 0.15545014870461157 | 0.5722897502140742 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 322994000 | 4 | 434584000 | 2 | 491450000 | 12 | 1249028000 | 0.2585962844708045 | 0.34793775639937613 | 0.39346595912981935 | 1 CAPITALBK | 5 | 682519230 | 3 | 670231790 | 0 | 0 | 8 | 1352751020 | 0.5045416487654912 | 0.49545835123450876 | 0 | 1 SOGEBK | 10 | 3343415364 | 5 | 3642683848 | 0 | 0 | 15 | 6986099212 | 0.47858114557792514 | 0.5214188544220749 | 0 | 1 SOGEBL | 7 | 245504616 | 2 | 151807320 | 0 | 0 | 9 | 397311936 | 0.6179140210879545 | 0.3820859789120456 | 0 | 1 UNIBK | 7 | 3440582000 | 4 | 4334581000 | 0 | 0 | 11 | 7775163000 | 0.4425093081649864 | 0.5574906918350137 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 108702000 | 1 | 89155000 | 0 | 0 | 4 | 197857000 | 0.5493967865680769 | 0.45060321343192306 | 0 | 1 [Non apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1039389500 | 1 | 353457000 | 1 | 777875000 | 7 | 2170721500 | 0.47882213356250447 | 0.16282927128146102 | 0.3583485951560345 | 1 BPH | 76 | 75085000 | 30 | 57800000 | 37 | 543349000 | 143 | 676234000 | 0.11103405034352014 | 0.0854733716435435 | 0.8034925780129364 | 1 BUH | 4 | 232268000 | 2 | 197998000 | 3 | 546034000 | 9 | 976300000 | 0.23790638123527605 | 0.2028044658404179 | 0.559289152924306 | 1 CAPITALBK | 4 | 338768270 | 5 | 985335970 | 0 | 0 | 9 | 1324104240 | 0.25584713028333783 | 0.7441528697166622 | 0 | 1 SOGEBK | 11 | 3483107611 | 4 | 2750016511 | 1 | 930603331 | 16 | 7163727453 | 0.4862144231270771 | 0.38388067232350637 | 0.12990490454941656 | 1 SOGEBL | 7 | 233005373 | 3 | 220375627 | 0 | 0 | 10 | 453381000 | 0.5139284023812202 | 0.48607159761877977 | 0 | 1 UNIBK | 8 | 2585024000 | 5 | 4931479000 | 0 | 0 | 13 | 7516503000 | 0.3439131202368974 | 0.6560868797631026 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 103023000 | 1 | 44550000 | 0 | 0 | 4 | 147573000 | 0.6981155089345612 | 0.3018844910654388 | 0 | 1 [Secteur d' activitémars 23] 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 | 140116.41363271303 | 1003.47878 | 0 | 1.19 | 0 | 0 | 0 | 141121.08241271303 200 | Industrie alimentaire | 2803482.87 | 755.6581600000001 | 1116419.365555317 | 1741403.86087 | 6559532.24 | 1436530.62 | 13113.49393 | 24166.66675 | 0 | 13695404.77526532 210 | Industrie des boissons | 382558.55 | 0 | 1612650.6440950828 | 4282841.88708 | 3029728.57 | 110034.77 | 0 | 0 | 0 | 9417814.421175081 220 | Industrie du bois | 40.36 | 0 | 0 | 37500 | 0 | 16186.33 | 0 | 0 | 0 | 53726.69 230 | Industrie chimique | 96.35 | 0 | 9574.470080000001 | 461201.75173 | 230142.82 | 91252.5 | 0 | 24166.66675 | 0 | 816434.5585599999 240 | Industrie du textile | 227926.89 | 0 | 603996.799569371 | 2305991.3601599997 | 4436.63 | 445275.37 | 0 | 0 | 0 | 3587627.0497293705 250 | Industrie pharmacie | 0 | 0 | 70408.20032999999 | 0 | 254583.2 | 57603.07 | 0 | 0 | 0 | 382594.47033 260 | Imprimerie, édition | 98083.95 | 0 | 0.39936494 | 164901.6346 | 215034.33 | 82345.59 | 0 | 0 | 0 | 560365.90396494 270 | Sidérurgie, aciérie | 13933.23 | 0 | 83681.14696112298 | 1132849.15201 | 0 | 776119.1 | 0 | 0 | 0 | 2006582.6289711231 280 | Industrie de la fabrication | 1212.9 | 1036.4475400000001 | 280195.528035576 | 3365292.43655 | 1030974.59 | 368655.27 | 0 | 0 | 0 | 5047367.172125576 290 | Autres industries | 0 | 0 | 29292.092764603003 | 21522.51237 | 4128181.52 | 301819.78 | 0 | 0 | 0 | 4480815.905134603 300 | Production et distribution de l'électricité | 2248750.97 | 0 | 11208.392380000001 | 4323.25918 | 0 | 9098.16 | 0 | 0 | 0 | 2273380.7815600005 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 145570.41 | 73890.38 | 0 | 0 | 0 | 219460.79 500 | Traitement et distribution de l'eau | 0 | 0 | 459940.4088085639 | 275517.05327 | 7821.21 | 84239.08 | 0 | 0 | 0 | 827517.7520785638 600 | Entrep/ batiment et corps/ métiers corresp. | 744786.01 | 126064.17081 | 1701343.103828582 | 7187086.2229700005 | 1268137.56 | 785399.02 | 0 | 0 | 0 | 11812816.087608581 700 | Commerce de gros(1) | 2336238.46 | 429565.32104 | 4770074.540631605 | 12502470.143469999 | 17318970.02 | 4166198.43 | 0 | 24166.66675 | 0 | 41547683.581891604 800 | Commerce de détail(2) | 1104212.75 | 549465.9519199999 | 1439269.8221949476 | 6728622.31757 | 12652609.11 | 1992765.61 | 0 | 24166.66675 | 0 | 24491112.228434946 900 | Rest/débits/boissons, casinos/activités/loterie | 46028.18 | 0 | 445.07031 | 0 | 509.06 | 64833.32 | 0 | 0 | 0 | 111815.63031000001 1000 | Hotels,motels et pensions | 2331186.67 | 0 | 40853.06280000001 | 343642.06451999996 | 1330347.02 | 135164.65 | 153054.68 | 0 | 0 | 4334248.1473199995 1100 | Transport | 414094.77 | 143348.99169 | 344333.86174061405 | 335563.34187 | 1116248.7 | 38175.52 | 0 | 0 | 0 | 2391765.185300614 1200 | Immobilier résidentiel / Avance Hypothécaire | 2353157.08 | 220970.26653 | 1667602.76229975 | 476574.66497000004 | 3163725.94 | 1693605 | 4407772.65 | 0 | 0 | 13983408.36379975 1300 | Immobilier commercial | 3192226.55 | 47872.019479999995 | 2006870.6252787341 | 7411693.63296 | 3279086.44 | 181614.17 | 1300403.07 | 0 | 0 | 17419766.507718734 1400 | Télécommunications | 517058.63 | 0 | 113117.59471940897 | 382942.68172000005 | 28302.41 | 24708.68 | 0 | 0 | 0 | 1066129.9964394092 1500 | Services financiers | 71267.3 | 0 | 252922.177988949 | 1247453.51223 | 1650322.78 | 2483732.79 | 0 | 0 | 0 | 5705698.560218949 1510 | Services professionnels | 296263.64 | 0 | 182034.72491159197 | 120868.50503 | 489287.07 | 906912.6 | 0 | 0 | 0 | 1995366.5399415921 1520 | Services médicaux | 10424.1 | 0 | 2479.21025299 | 15213.261050000001 | 119972.52 | 69155.05 | 0 | 0 | 0 | 217244.14130299003 1530 | Services d'agence ou de représentation | 976.46 | 775.39098 | 20963.07680623 | 26334.765629999998 | 70563.13 | 21.3 | 0 | 0 | 0 | 119634.12341623001 1540 | Services d'enseignement | 429675.52 | 0 | 867.329762615 | 12572.17591 | 89791.37 | 477.93 | 0 | 0 | 0 | 533384.325672615 1550 | Autres services | 41055.16 | 15638.580689999999 | 789924.931284916 | 939834.7917599999 | 2321368.47 | 197295.57 | 0 | 0 | 0 | 4305117.503734916 1560 | Crédit à la consommation | 4458803.43 | 34899.99219 | 663449.0419410412 | 3586356.50926 | 1665487.98 | 345445.84 | 28756.94 | 0 | 0 | 10783199.733391041 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 | 24123540.78 | 1570392.7910299997 | 18414034.79832926 | 55111576.97752001 | 62170735.1 | 16938556.69 | 5903100.833930001 | 96666.667 | 0 | 184328604.63780928 (1) Commerce de gros Import-export | 773173.83 | 39519.42726 | 1077968.683732092 | 2977027.026929062 | 3149246.1776199997 | 301046 | 0 | 8317981.145541154 Produits pétroliers | 137603.53 | 0 | 988599.273735116 | 1375512.5366368291 | 537995.78888 | 1766544 | 0 | 4806255.129251945 Produits pharmaceutiques | 0 | 0 | 38479.232712708 | 158048.43838175398 | 114449.14283 | 10466 | 0 | 321442.81392446195 Produits alimentaires | 212353.21 | 17265.20303 | 704863.5395007661 | 3553563.475555466 | 3135192.3503400013 | 1438023 | 0 | 9061260.778426234 Matériaux de construction | 131116.7 | 240589.81953 | 1433568.04944545 | 891149.257995239 | 7419302.49907 | 636901 | 0 | 10752627.326040689 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1081991.19 | 132190.87120999998 | 526595.761505474 | 3547169.4079742106 | 2962784.06391 | 13216 | 0 | 0 | 8263947.294599684 S-Total | 2336238.46 | 429565.32103 | 4770074.540631606 | 12502470.14347256 | 17318970.02265 | 4166196 | 0 | 0 | 0 | 41523514.48778417 0 (2) Commerce de détail Produits pétroliers | 101056.21 | 0 | 73921.15131999999 | 64290.336370000005 | 107858.58128 | 75344 | 422470.27897 Produits pharmaceutiques | 0 | 0 | 2552.26787 | 233.05656 | 6785.205730000001 | 3363 | 0 | 12933.53016 Véhicules automobiles | 24278.03 | 0 | 70121.79269 | 1410370.1583372236 | 3587741.8726500003 | 706943 | 0 | 5799454.853677224 Produits alimentaires | 157430.11 | 0 | 626541.1799798409 | 819195.3562336181 | 2296126.42498 | 260042 | 0 | 4159335.071193459 Librairie ,papeterie | 178.45 | 0 | 0 | 40712.392493584 | 141646.37792 | 13 | 0 | 182550.220413584 Appareils électro- ménagers électroni.équip. inform. | 4546.25 | 0 | 79820.92617201399 | 364801.091134503 | 2733734.8689099997 | 766827 | 0 | 3949730.1362165166 Matériaux de construction | 82937.38 | 0 | 25664.293771962002 | 135842.677574543 | 1835776.43398 | 1135 | 0 | 2081355.785326505 Autres | 733786.34 | 549465.9519199999 | 560648.210391131 | 3893177.2488632216 | 1942939.34806 | 179098 | 0 | 0 | 7859115.099234352 S-Total | 1104212.77 | 549465.9519199999 | 1439269.8221949479 | 6728622.317566693 | 12652609.11351 | 1992765 | 0 | 0 | 0 | 24466944.97519164 [Secteur d'activitésmars. 23% ] 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 | 0.0076092184666353545 | 1.8208130397163532e-05 | 0 | 7.02539196094871e-08 | 0 | 0 | 0.0007655951320740723 200 | Industrie alimentaire | 0.11621357310549832 | 0.0004811905431025151 | 0.06062872030939204 | 0.031597786823997394 | 0.10550835902855522 | 0.0848083249529804 | 0.002221458568795896 | 0.25 | 0.0742988577501342 210 | Industrie des boissons | 0.01585830842531898 | 0 | 0.08757725624812013 | 0.0777121999036059 | 0.04873239097345014 | 0.006496112509099499 | 0 | 0 | 0.05109252814928166 220 | Industrie du bois | 1.6730545639245915e-06 | 0 | 0 | 0.0006804377964959383 | 0 | 0.0009555908626828818 | 0 | 0 | 0.00029147234150428566 230 | Industrie chimique | 3.994023965166858e-06 | 0 | 0.000519955033476352 | 0.008368509431659414 | 0.003701787016508994 | 0.005387265377449346 | 0 | 0.25 | 0.004429234193815048 240 | Industrie du textile | 0.009448318224867153 | 0 | 0.032800893784787066 | 0.04184223146255845 | 7.136203219832927e-05 | 0.02628768071265935 | 0 | 0 | 0.019463213844529263 250 | Industrie pharmacie | 0 | 0 | 0.003823616122219355 | 0 | 0.004094904131188245 | 0.003400707100033326 | 0 | 0 | 0.0020756109507895806 260 | Imprimerie, édition | 0.004065901887890273 | 0 | 2.1688073492520776e-08 | 0.0029921414636213967 | 0.0034587709097234076 | 0.004861428958030071 | 0 | 0 | 0.003040037681975695 270 | Sidérurgie, aciérie | 0.0005775781477133557 | 0 | 0.004544422114848807 | 0.02055555682015938 | 0 | 0.04581967130990544 | 0 | 0 | 0.010885899304201292 280 | Industrie de la fabrication | 5.027868881526603e-05 | 0.0006599925483102911 | 0.015216411346251972 | 0.06106325786908078 | 0.016582956407732743 | 0.021764266976633414 | 0 | 0 | 0.027382441168277937 290 | Autres industries | 0 | 0 | 0.0015907482029555375 | 0.00039052615712265 | 0.06640071913835228 | 0.017818506353506795 | 0 | 0 | 0.024308847310698427 300 | Production et distribution de l'électricité | 0.09321811381289277 | 0 | 0.0006086874768487437 | 7.844557200320099e-05 | 0 | 0.0005371272279279421 | 0 | 0 | 0.012333304350819608 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.002341461939702881 | 0.004362259509608784 | 0 | 0 | 0.001190595406671811 500 | Traitement et distribution de l'eau | 0 | 0 | 0.02497770933127025 | 0.004999259109975809 | 0.00012580211553586728 | 0.004973214751510213 | 0 | 0 | 0.004489361560049613 600 | Entrep/ batiment et corps/ métiers corresp. | 0.030873826391914924 | 0.0802755664252102 | 0.09239382473541041 | 0.13040973634090727 | 0.020397660699366573 | 0.046367529086092395 | 0 | 0 | 0.06408563722825225 700 | Commerce de gros(1) | 0.09684475762931513 | 0.27354004902063633 | 0.2590455917387754 | 0.2268574196047729 | 0.27857109928236956 | 0.24595947023394232 | 0 | 0.25 | 0.2254000873251844 800 | Commerce de détail(2) | 0.04577324531544162 | 0.3498907757718453 | 0.07816156741082814 | 0.12209090515255265 | 0.20351390553205795 | 0.1176467184583954 | 0 | 0.25 | 0.13286658506723897 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0019080192422731071 | 0 | 2.4170167748373217e-05 | 0 | 8.188096846228218e-06 | 0.003827558698568195 | 0 | 0 | 0.0006066103008250327 1000 | Hotels,motels et pensions | 0.09663534434102256 | 0 | 0.002218582904150191 | 0.006235387977741436 | 0.021398283579246273 | 0.00797970290348274 | 0.025927844416999996 | 0 | 0.023513703452789896 1100 | Transport | 0.01716558832620922 | 0.09128225276427772 | 0.018699533562946027 | 0.006088799491382294 | 0.017954568145358795 | 0.0022537646328826613 | 0 | 0 | 0.012975550864719224 1200 | Immobilier résidentiel | 0.09754608999815324 | 0.14071018906363456 | 0.09056150814111934 | 0.00864745106394605 | 0.05088770359416259 | 0.09998520127750034 | 0.7466876772060012 | 0 | 0.0758613042792572 1300 | Immobilier commercial | 0.13232827548460735 | 0.03048410547567617 | 0.10898592553223703 | 0.1344852395710474 | 0.05274324703939362 | 0.01072193890682666 | 0.22029152246993794 | 0 | 0.09450387009627269 1400 | Télécommunications | 0.021433778511845806 | 0 | 0.006143009718308577 | 0.006948497987568061 | 0.00045523685628738847 | 0.0014587240490559175 | 0 | 0 | 0.005783855406133345 1500 | Services financiers | 0.002954263665103643 | 0 | 0.013735293799482615 | 0.02263505384247734 | 0.026545009920592045 | 0.14663190231941775 | 0 | 0 | 0.030953950806659566 1510 | Services professionnels | 0.012281100966970073 | 0 | 0.009885651184286255 | 0.0021931599794232383 | 0.007870054443026844 | 0.05354131503632851 | 0 | 0 | 0.010825050967332635 1520 | Services médicaux | 0.00043211318334505287 | 0 | 0.00013463699184574927 | 0.00027604474203678627 | 0.0019297265796685103 | 0.00408270027167232 | 0 | 0 | 0.0011785698792103217 1530 | Services d'agence ou de représentation | 4.047747421927172e-05 | 0.0004937560745496236 | 0.0011384293032905542 | 0.00047784453057371116 | 0.00113498947513651 | 1.2574861241025843e-06 | 0 | 0 | 0.0006490263605656938 1540 | Services d'enseignement | 0.01781146158926343 | 0 | 4.710155987614917e-05 | 0.00022812223128959247 | 0.00144427068226832 | 2.8215509074758128e-05 | 0 | 0 | 0.0028936600845032804 1550 | Autres services | 0.0017018712292035266 | 0.009958387977407144 | 0.04289798188915052 | 0.017053309727343823 | 0.037338604188387664 | 0.011647720263939442 | 0 | 0 | 0.023355666974174315 1560 | Crédit à la consommation | 0.18483204727958677 | 0.0222237343353503 | 0.03602953123566581 | 0.06507446721625973 | 0.02678893819288297 | 0.020394054010749365 | 0.0048714973382650165 | 0 | 0.05849987176205859 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 | 1.0000000000000004 | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 (1) Commerce de gros Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867 Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875 Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486 Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796 Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524 S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964 [Secteur d'activitémars 23 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3440451.21 | 979031.27296 | 6209344.362826553 | 19231092.461039998 | 29971579.13 | 6158964.04 | 0 | 48333.3335 | 0 | 66038795.81032655 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3226877.0300000003 | 16413.97167 | 1290489.584117292 | 2705919.07613 | 6072161.42 | 3857593.21 | 153054.68 | 0 | 0 | 17322508.971917294 Industries Manufacturières ( 200 à 290 ) | 3527335.1 | 1792.1057 | 3806218.6467560125 | 13513504.595369998 | 15452613.9 | 3685822.4000000004 | 13113.49393 | 48333.3335 | 0 | 40048733.575256005 Prêts aux Particuliers ( 1560 ) | 4458803.43 | 34899.99219 | 663449.0419410412 | 3586356.50926 | 1665487.98 | 345445.84 | 28756.94 | 0 | 0 | 10783199.733391041 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5545383.63 | 268842.28601 | 3674473.387578484 | 7888268.29793 | 6442812.38 | 1875219.17 | 5708175.720000001 | 0 | 0 | 31403174.871518478 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 931153.4 | 143348.99169 | 457451.456460023 | 718506.0235900001 | 1144551.1099999999 | 62884.2 | 0 | 0 | 0 | 3457895.181740023 Bâtiments et Travaux Publics ( 600 ) | 744786.01 | 126064.17081 | 1701343.103828582 | 7187086.2229700005 | 1268137.56 | 785399.02 | 0 | 0 | 0 | 11812816.087608581 Électricité, Gaz et Eau ( 300 à 500 ) | 2248750.97 | 0 | 471148.80118856387 | 279840.31244999997 | 153391.62 | 167227.62 | 0 | 0 | 0 | 3320359.3236385644 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 140116.41363271303 | 1003.47878 | 0 | 1.19 | 0 | 0 | 0 | 141121.08241271303 Total | 24123540.779999997 | 1570392.79103 | 18414034.798329264 | 55111576.97752 | 62170735.099999994 | 16938556.69 | 5903100.833930001 | 96666.667 | 0 | 184328604.63780925 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1426180029447568 | 0.6234308247924816 | 0.33720715914960353 | 0.3489483247573256 | 0.48208500481442756 | 0.36360618869233774 | 0 | 0.5 | #DIV/0! | 0.35826667239242344 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1337646516914007 | 0.010452144051956767 | 0.07008184779983039 | 0.04909892303088594 | 0.09766912696517241 | 0.2277403724886078 | 0.025927844416999996 | 0 | #DIV/0! | 0.09397623882606077 Industries Manufacturières ( 200 à 290 ) | 0.14621962555863247 | 0.001141183091412806 | 0.2067020448501247 | 0.24520264772830136 | 0.2485512496377094 | 0.21759955511298054 | 0.002221458568795896 | 0.5 | #DIV/0! | 0.2172681426952074 Prêts aux Particuliers ( 1560 ) | 0.1848320472795868 | 0.022223734335350298 | 0.0360295312356658 | 0.06507446721625974 | 0.026788938192882975 | 0.020394054010749365 | 0.0048714973382650165 | 0 | #DIV/0! | 0.0584998717620586 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.22987436548276063 | 0.17119429453931068 | 0.19954743367335634 | 0.1431326906349935 | 0.10363095063355621 | 0.110707140184327 | 0.966979199675939 | 0 | #DIV/0! | 0.17036517437552987 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.03859936683805503 | 0.0912822527642777 | 0.024842543281254598 | 0.01303729747895036 | 0.018409805001646184 | 0.0037124886819385784 | 0 | 0 | #DIV/0! | 0.018759406270852572 Bâtiments et Travaux Publics ( 600 ) | 0.03087382639191493 | 0.08027556642521019 | 0.09239382473541038 | 0.13040973634090733 | 0.020397660699366577 | 0.046367529086092395 | 0 | 0 | #DIV/0! | 0.06408563722825227 Électricité, Gaz et Eau ( 300 à 500 ) | 0.09321811381289279 | 0 | 0.02558639680811899 | 0.005077704681979011 | 0.0024672640552387487 | 0.009872601489046938 | 0 | 0 | #DIV/0! | 0.018013261317541034 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007609218466635353 | 1.820813039716354e-05 | 0 | 7.02539196094871e-08 | 0 | 0 | #DIV/0! | 0.0007655951320740724 Total | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activitédéc. 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | 133444.68012 | 1121.47878 | 0 | 0 | 0 | 0 | 0 | 134566.1589 200 | Industrie alimentaire | 2762499.38 | 755.6581600000001 | 1119369.00713 | 1742509.3697198997 | 6238395.46487 | 1382542 | 0 | 24166.66675 | 0 | 13270237.5466299 210 | Industrie des boissons | 382558.55 | 0 | 1814536.4565599998 | 4005191.9811771 | 3005982.1513900002 | 110096 | 0 | 0 | 0 | 9318365.1391271 220 | Industrie du bois | 131.28 | 0 | 0 | 0 | 0 | 9122 | 0 | 0 | 0 | 9253.28 230 | Industrie chimique | 108.52 | 0 | 10573.492849999999 | 377044.47201880004 | 196135.45487000002 | 90369 | 0 | 24166.66675 | 0 | 698397.6064888 240 | Industrie du textile | 220703.96 | 0 | 582741.56276 | 2215072.0854347995 | 72391.12587999999 | 466430 | 0 | 0 | 0 | 3557338.7340748 250 | Industrie pharmacie | 0 | 0 | 71536.35554 | 0 | 215919.1052 | 66773 | 0 | 0 | 0 | 354228.46074 260 | Imprimerie, édition | 42669.72 | 0 | 4304.82006 | 161594.49565609999 | 238106.97259 | 78637 | 0 | 0 | 0 | 525313.0083061 270 | Sidérurgie, aciérie | 24729.42 | 0 | 78940.75942 | 1069291.1276867 | 0 | 748186 | 0 | 0 | 0 | 1921147.3071067 280 | Industrie de la fabrication | 837.66 | 1186.28595 | 272092.43469 | 3914543.952521 | 1183937.5528199999 | 359974 | 0 | 0 | 0 | 5732571.885981 290 | Autres industries | 0 | 0 | 17216.66306 | 16340.2101836 | 3974054.53451 | 299352 | 0 | 0 | 0 | 4306963.4077536 300 | Production et distribution de l'électricité | 2128227.74 | 0 | 11208.392380000001 | 89319.46523019999 | 0 | 8254 | 0 | 0 | 0 | 2237009.5976102003 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 146092.8154 | 76497 | 0 | 0 | 0 | 222589.8154 500 | Traitement et distribution de l'eau | 0 | 0 | 451356.44577 | 279962.3362125 | 8101.3418 | 81712 | 0 | 0 | 0 | 821132.1237825 600 | Entrep/ batiment et corps/ métiers corresp. | 759219.49 | 121014.69717 | 1330969.65486 | 6063714.6240537 | 1338965.24678 | 725288 | 0 | 2391.3365 | 0 | 10341563.0493637 700 | Commerce de gros(1) | 2910269.41 | 410498.434 | 4821401.37739 | 14112616.495939996 | 17163216.00844 | 4122212 | 0 | 24166.66675 | 0 | 43564380.392519996 800 | Commerce de détail(2) | 932202 | 530622.36348 | 1244788.05477 | 7331885.336047694 | 13021277.551910002 | 2252483 | 0 | 24166.66675 | 0 | 25337424.972957693 900 | Rest/débits/boissons, casinos/activités/loterie | 42242.42 | 0 | 685.84586 | 0 | 5439.88674 | 15910 | 0 | 0 | 0 | 64278.1526 1000 | Hotels,motels et pensions | 2321708.51 | 0 | 50538.80289 | 343372.7078768 | 1391832.96353 | 134607 | 154537.3909046 | 0 | 0 | 4396597.375201399 1100 | Transport | 396763.31 | 140840.55675 | 339270.80468 | 419255.98305379995 | 1054533.30444 | 37969 | 0 | 0 | 0 | 2388632.9589238 1200 | Immobilier résidentiel / Avance Hypothécaire | 2385264.14 | 220621.67685 | 1712287.5899 | 507688.13836830005 | 3209330.83752 | 1684276 | 4326893.4277509 | 0 | 0 | 14046361.8103892 1300 | Immobilier commercial | 3680661.67 | 48548.65375 | 2006299.72202 | 7370288.7827036 | 3100029.5821 | 184524 | 1279561.0236494 | 0 | 0 | 17669913.434223 1400 | Télécommunications | 677874.61 | 0 | 8818.52457 | 426144.78311250004 | 32735.874519999998 | 28936 | 0 | 0 | 0 | 1174509.7922025002 1500 | Services financiers | 233945.49 | 0 | 266848.12143 | 1268296.5729353 | 1649243.59337 | 2487371 | 0 | 2049.717 | 0 | 5907754.494735301 1510 | Services professionnels | 106469.74 | 5825.237730000001 | 189137.37075 | 148526.2186268 | 470643.80811000004 | 806703 | 0 | 2391.3365 | 0 | 1729696.7117168 1520 | Services médicaux | 10920.09 | 0 | 2273.32677 | 13733.843620000001 | 121428.35495000001 | 71292 | 0 | 0 | 0 | 219647.61534000002 1530 | Services d'agence ou de représentation | 188.35 | 775.39098 | 15187.91792 | 30204.9732058 | 88204.16872 | 1966 | 0 | 0 | 0 | 136526.8008258 1540 | Services d'enseignement | 4809.39 | 0 | 5097.48299 | 21776.7520839 | 85435.49597 | 1132 | 0 | 0 | 0 | 118251.1210439 1550 | Autres services | 1529482.14 | 14529.76427 | 744215.8458 | 898367.5587186018 | 1820113.05524 | 261800 | 0 | 0 | 0 | 5268508.364028602 1560 | Crédit à la consommation | 4063564.81 | 33067.84138 | 707455.49113 | 3719137.7173458925 | 1794669.9598700001 | 322209 | 45846.815473 | 0 | 0 | 10685951.635198893 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 | 25618051.799999997 | 1528286.56047 | 18012597.004070006 | 56547001.46231339 | 61626216.211540006 | 16916622 | 5806838.6577779 | 103499.05700000002 | 0 | 186159112.7531713 (1) Commerce de gros Import-export | 717896.0900000001 | 39463.27203 | 1220460.2450960001 | 2770241.423037 | 3346889.81171 | 292202 | 0 | 8387152.841873 Produits pétroliers | 535904.23 | 0 | 1052580.7286704 | 3905546.6543294 | 537642.9827 | 2099585 | 0 | 8131259.5956998 Produits pharmaceutiques | 0 | 0 | 32543.1312566 | 141105.0280668 | 108278.35990000001 | 5846 | 0 | 287772.51922340004 Produits alimentaires | 374165.26 | 16361.75511 | 590638.6294005001 | 3166212.5306053003 | 2735864.40848 | 1304599 | 0 | 8187841.583595801 Matériaux de construction | 164995.25 | 228231.30618 | 1408671.7364205 | 725096.3370791 | 7441067.27785 | 405030 | 0 | 10373091.9075296 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1117308.58 | 126442.10068 | 516506.9065439 | 3404414.5228224 | 2993473.1678000004 | 14946 | 0 | 0 | 8173091.277846301 S-Total | 2910269.41 | 410498.434 | 4821401.377387901 | 14112616.495940002 | 17163216.008440003 | 4122208 | 0 | 0 | 0 | 43540209.7257679 0 (2) Commerce de détail Produits pétroliers | 120254.34 | 995.39698 | 88242.803182 | 162285.16761999996 | 618954.84467 | 169174 | 1159906.5524519999 Produits pharmaceutiques | 0 | 0 | 1882.8228399999998 | 238.63835999999998 | 7172.7953 | 16705 | 0 | 25999.2565 Véhicules automobiles | 25097.07 | 0 | 10523.9588 | 1497678.1762408 | 3788027.85796 | 688884 | 0 | 6010211.0630008 Produits alimentaires | 14597.94 | 0 | 541731.7500898 | 816279.6769265002 | 2177926.58769 | 230310 | 0 | 3780845.9547063 Librairie ,papeterie | 178.45 | 0 | 0 | 33561.1139845 | 150208.61444 | 1 | 0 | 183949.1784245 Appareils électro- ménagers électroni.équip. inform. | 4780.26 | 0 | 61772.8271166 | 374310.48585409997 | 2558950.28754 | 728567 | 0 | 3728380.8605107 Matériaux de construction | 78492.56 | 0 | 26226.4618254 | 129268.2020742 | 1779723.06582 | 52 | 0 | 2013762.2897196 Autres | 688801.38 | 529626.9665 | 514407.4309153001 | 4318263.874987606 | 1940313.49849 | 418790 | 0 | 0 | 8410203.150892906 S-Total | 932202 | 530622.3634799999 | 1244788.0547691002 | 7331885.336047705 | 13021277.55191 | 2252483 | 0 | 0 | 0 | 25313258.306206804 [Secteur d'activitésdéc. 22%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 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 | 0.00740840868697877 | 1.983268344913791e-05 | 0 | 0 | 0 | 0 | 0.0007228556094292387 200 | Industrie alimentaire | 0.10783409298906954 | 0.0004944479520696757 | 0.0621436768322233 | 0.030815239087102108 | 0.10122957157479694 | 0.08172683648071111 | 0 | 0.2334964921467835 | 0.07128438329110932 210 | Industrie des boissons | 0.014933163262633423 | 0 | 0.10073708172952514 | 0.07082943175769313 | 0.0487776523723536 | 0.006508155115128777 | 0 | 0 | 0.05005591722755113 220 | Industrie du bois | 5.124511458751911e-06 | 0 | 0 | 0 | 0 | 0.000539232950881092 | 0 | 0 | 4.97062962062402e-05 230 | Industrie chimique | 4.236075438023746e-06 | 0 | 0.0005870054633216345 | 0.006667806643471397 | 0.00318266262197146 | 0.005342023957265227 | 0 | 0.2334964921467835 | 0.0037516165400659526 240 | Industrie du textile | 0.008615173461394907 | 0 | 0.03235189032588291 | 0.03917222890962783 | 0.0011746806851082342 | 0.02757228955047881 | 0 | 0 | 0.01910913025671476 250 | Industrie pharmacie | 0 | 0 | 0.003971462611628747 | 0 | 0.003503689151688781 | 0.00394718283591133 | 0 | 0 | 0.0019028263269049426 260 | Imprimerie, édition | 0.0016656114341996923 | 0 | 0.00023898941718550142 | 0.002857702291496342 | 0.003863728575719574 | 0.004648504884722258 | 0 | 0 | 0.0028218495486848046 270 | Sidérurgie, aciérie | 0.0009653122803038442 | 0 | 0.004382530703493953 | 0.018909775939213072 | 0 | 0.044227860621346274 | 0 | 0 | 0.01031992083919068 280 | Industrie de la fabrication | 3.269803678045495e-05 | 0.0007762195786339813 | 0.01510567491342419 | 0.06922637542734972 | 0.019211589248899853 | 0.02127930741728461 | 0 | 0 | 0.03079393644071471 290 | Autres industries | 0 | 0 | 0.000955812371536977 | 0.00028896687288520827 | 0.06448642767338726 | 0.017695731452768763 | 0 | 0 | 0.023135925736089052 300 | Production et distribution de l'électricité | 0.08307531566471422 | 0 | 0.0006222529920292686 | 0.0015795614784230125 | 0 | 0.00048792247057361687 | 0 | 0 | 0.012016653735217655 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0023706277032897395 | 0.0045220020876508326 | 0 | 0 | 0.00119569658507737 500 | Traitement et distribution de l'eau | 0 | 0 | 0.025057821793715504 | 0.004950966965049157 | 0.00013145934146258616 | 0.004830278763691711 | 0 | 0 | 0.004410915542293331 600 | Entrep/ batiment et corps/ métiers corresp. | 0.029636113469018753 | 0.07918325024907887 | 0.0738910471687821 | 0.10723317713132773 | 0.02172720197819427 | 0.042874280692682024 | 0 | 0.023104910994503066 | 0.05555227942601767 700 | Commerce de gros(1) | 0.11360229234917858 | 0.26860043438042003 | 0.26766830881191583 | 0.2495732069072763 | 0.27850510811056495 | 0.24367820005672527 | 0 | 0.2334964921467835 | 0.23401691030984922 800 | Commerce de détail(2) | 0.03638848134423712 | 0.34720083078975433 | 0.06910652886359119 | 0.12966001992049286 | 0.21129445149143625 | 0.1331520560073991 | 0 | 0.2334964921467835 | 0.13610628348101675 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0016489317895750373 | 0 | 3.8075900984462755e-05 | 0 | 8.827228206461485e-05 | 0.0009404950941151254 | 0 | 0 | 0.0003452860923613582 1000 | Hotels,motels et pensions | 0.09062783259732499 | 0 | 0.002805747715256195 | 0.006072341574214964 | 0.022585079031176476 | 0.007957085049249194 | 0.02661299891596037 | 0 | 0.023617416897720477 1100 | Transport | 0.01548764570770366 | 0.09215585636419307 | 0.018835196535143747 | 0.007414292043994932 | 0.017111764590903605 | 0.0022444788327125828 | 0 | 0 | 0.012831136352110212 1200 | Immobilier résidentiel | 0.09310872499680091 | 0.14435884117318373 | 0.09506056175648092 | 0.008978161975691257 | 0.05207736309014258 | 0.09956337618704254 | 0.7451375322707297 | 0 | 0.07545352791304553 1300 | Immobilier commercial | 0.1436745346107857 | 0.03176672163829645 | 0.11138314600424747 | 0.1303391619733478 | 0.05030374689010186 | 0.01090785146112504 | 0.22035415465444483 | 0 | 0.09491833718423212 1400 | Télécommunications | 0.02646081814855258 | 0 | 0.0004895754103646145 | 0.007536116365012046 | 0.0005312004619532351 | 0.0017105069794667044 | 0 | 0 | 0.006309171626531035 1500 | Services financiers | 0.00913205624793061 | 0 | 0.014814527931186424 | 0.022429068564857067 | 0.02676204535596923 | 0.14703709759548922 | 0 | 0.019804209423859773 | 0.031734973417972843 1510 | Services professionnels | 0.004156043591105551 | 0.0038116135289500567 | 0.0105002832577259 | 0.0026265976052821747 | 0.007637071315468306 | 0.047687002759770836 | 0 | 0.023104910994503066 | 0.009291496323417742 1520 | Services médicaux | 0.00042626543521939486 | 0 | 0.0001262076073475876 | 0.00024287483447116344 | 0.0019704009497059074 | 0.004214316546175708 | 0 | 0 | 0.0011798918252862065 1530 | Services d'agence ou de représentation | 7.3522374562456e-06 | 0.0005073596798244048 | 0.0008431831299266974 | 0.0005341569389126771 | 0.0014312767218618082 | 0.00011621705562729959 | 0 | 0 | 0.0007333876854410084 1540 | Services d'enseignement | 0.0001877344162447201 | 0 | 0.00028299544973155215 | 0.0003851088744009432 | 0.0013863498559887491 | 6.691643284338918e-05 | 0 | 0 | 0.0006352153235747818 1550 | Autres services | 0.0597032964075746 | 0.009507225049163296 | 0.04131641015628351 | 0.015887094549431283 | 0.02953472023971462 | 0.015475902931448134 | 0 | 0 | 0.02830110374996322 1560 | Crédit à la consommation | 0.15862114893529883 | 0.02163719961643222 | 0.03927559646008558 | 0.06577073268552654 | 0.02912185868607545 | 0.019046887729713413 | 0.007895314158865262 | 0 | 0.057402248416210576 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 | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.028023055601753454 | 0.02582190608145092 | 0.06775592907675851 | 0.048990067579149525 | 0.054309513344472836 | 0 | 0 | 0 | 0.04348404288220964 Produits pétroliers | 0.020919007978584852 | 0 | 0.058435811806180196 | 0.06906726357421995 | 0.008724257560361496 | 0 | 0 | 0 | 0.032400641077921385 Produits pharmaceutiques | 0 | 0 | 0.0018066873560346002 | 0.002495358275731766 | 0.0017570178173574773 | 0 | 0 | 0 | 0.0015144384556516819 Produits alimentaires | 0.014605531401103657 | 0.010705947126151659 | 0.032790309429953014 | 0.055992580485730456 | 0.04439448949922205 | 0 | 0 | 0 | 0.03697505043828988 Matériaux de construction | 0.006440585384404602 | 0.14933803128505635 | 0.07820481056130918 | 0.012822896322139229 | 0.12074515904574716 | 0 | 0 | 0 | 0.05354592509659342 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.04361411198333201 | 0.08273454988776108 | 0.028674760581563756 | 0.06020504067030546 | 0.04857467084340395 | 0 | 0 | 0 | 0.04382350752102692 S-Total | 0.11360229234917858 | 0.26860043438042003 | 0.26766830881179926 | 0.24957320690727638 | 0.27850510811056495 | 0 | - | 0 | 0.21174360547169294 (2) Commerce de détail Produits pétroliers | 0.004694125101269411 | 0.0006513156666730628 | 0.004898949505285731 | 0.0028699164133072093 | 0.010043693783589713 | 0 | 0 | 0 | 0.005321966450095914 Produits pharmaceutiques | 0 | 0 | 0.00010452811660498316 | 4.220177088594948e-06 | 0.00011639194714435244 | 0 | 0 | 0 | 4.992641167302549e-05 Véhicules automobiles | 0.00097966348869667 | 0 | 0.000584255496174265 | 0.02648554543142222 | 0.06146779878480778 | 0 | 0 | 0 | 0.0285848325354685 Produits alimentaires | 0.0005698302163632912 | 0 | 0.030075160731536595 | 0.014435419311676892 | 0.03534091043678527 | 0 | 0 | 0 | 0.019072587434459692 Librairie ,papeterie | 6.965791208213577e-06 | 0 | 0 | 0.00059350828720542 | 0.0024374141992490567 | 0 | 0 | 0 | 0.0009881234160607395 Appareils électro- ménagers électroni.équip. inform. | 0.00018659732743611678 | 0 | 0.003429423702903153 | 0.006619457728515718 | 0.041523728777312405 | 0 | 0 | 0 | 0.01611424665784779 Matériaux de construction | 0.0030639550818614553 | 0 | 0.0014560066946189961 | 0.0022860310667463554 | 0.028879317524718198 | 0 | 0 | 0 | 0.010817145934669243 Autres | 0.02688734433740196 | 0.3465495151230812 | 0.0285582046164175 | 0.07636592150453068 | 0.03148519603782944 | 0 | 0 | 0 | 0.042927864409671605 S-Total | 0.03638848134423712 | 0.3472008307897542 | 0.06910652886354123 | 0.12966001992049309 | 0.21129445149143622 | 0 | - | 0 | 0.12387669324994652 [Secteur d'activitédéc. 22 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2022 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3842471.41 | 941120.7974800001 | 6066189.43216 | 21444501.83198769 | 30184493.56035 | 6374695 | 0 | 48333.3335 | 0 | 68901805.36547768 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 4249766.13 | 21130.39298 | 1273984.71441 | 2724278.627067202 | 5632341.32663 | 3780781 | 154537.3909046 | 4441.0535 | 0 | 17841260.635491803 Industries Manufacturières ( 200 à 290 ) | 3434238.4899999998 | 1941.94411 | 3971311.5520699997 | 13501587.694397997 | 15124922.36213 | 3611481 | 0 | 48333.3335 | 0 | 39693816.37620799 Prêts aux Particuliers ( 1560 ) | 4063564.81 | 33067.84138 | 707455.49113 | 3719137.7173458925 | 1794669.9598700001 | 322209 | 45846.815473 | 0 | 0 | 10685951.635198893 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 6065925.8100000005 | 269170.3306 | 3718587.3119200002 | 7877976.9210719 | 6309360.41962 | 1868800 | 5606454.4514003005 | 0 | 0 | 31716275.244612202 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1074637.92 | 140840.55675 | 348089.32925 | 845400.7661663 | 1087269.1789600002 | 66905 | 0 | 0 | 0 | 3563142.7511263 Bâtiments et Travaux Publics ( 600 ) | 759219.49 | 121014.69717 | 1330969.65486 | 6063714.6240537 | 1338965.24678 | 725288 | 0 | 2391.3365 | 0 | 10341563.0493637 Électricité, Gaz et Eau ( 300 à 500 ) | 2128227.74 | 0 | 462564.83814999997 | 369281.8014427 | 154194.1572 | 166463 | 0 | 0 | 0 | 3280731.5367927 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 133444.68012 | 1121.47878 | 0 | 0 | 0 | 0 | 0 | 134566.1589 Total | 25618051.799999997 | 1528286.5604700001 | 18012597.00407 | 56547001.462313384 | 61626216.211540006 | 16916622 | 5806838.657777901 | 103499.057 | 0 | 186159112.75317127 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1499907736934157 | 0.6158012651701742 | 0.33677483767550714 | 0.3792332268277692 | 0.48979955960200117 | 0.3768302560641244 | 0 | 0.46699298429356706 | #DIV/0! | 0.370123193790866 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16588951272243116 | 0.013826198257937756 | 0.07072743114844236 | 0.04817724294157028 | 0.09139521575194971 | 0.2234950334647189 | 0.026612998915960362 | 0.042909120418362846 | #DIV/0! | 0.09583877131573766 Industries Manufacturières ( 200 à 290 ) | 0.13405541205127863 | 0.0012706675307036569 | 0.22047412436822245 | 0.2387675269288388 | 0.2454300019039257 | 0.21348712526649824 | 0 | 0.46699298429356706 | #DIV/0! | 0.2132252125032316 Prêts aux Particuliers ( 1560 ) | 0.15862114893529883 | 0.021637199616432217 | 0.03927559646008559 | 0.06577073268552655 | 0.02912185868607545 | 0.019046887729713413 | 0.00789531415886526 | 0 | #DIV/0! | 0.05740224841621058 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2367832596075866 | 0.17612556281148017 | 0.20644370776072848 | 0.13931732394903906 | 0.10238110998024444 | 0.11047122764816758 | 0.9654916869251743 | 0 | #DIV/0! | 0.1703718650972777 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.04194846385625624 | 0.09215585636419306 | 0.01932477194550837 | 0.014950408409006981 | 0.017642965052856844 | 0.003954985812179288 | 0 | 0 | #DIV/0! | 0.01914030797864125 Bâtiments et Travaux Publics ( 600 ) | 0.029636113469018753 | 0.07918325024907885 | 0.07389104716878213 | 0.10723317713132774 | 0.02172720197819427 | 0.042874280692682024 | 0 | 0.02310491099450307 | #DIV/0! | 0.055552279426017676 Électricité, Gaz et Eau ( 300 à 500 ) | 0.08307531566471422 | 0 | 0.025680074785744782 | 0.00653052844347217 | 0.0025020870447523256 | 0.009840203321916161 | 0 | 0 | #DIV/0! | 0.017623265862588357 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007408408686978773 | 1.983268344913791e-05 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0007228556094292388 Total | 1.0000000000000002 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1 | #DIV/0! | 1.0000000000000002 [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 | 755.6581600000001 | 121498.235256976 | 1121.47878 | 10000 | 0 | 0 | 0 | 0 | 133375.372196976 200 | Industrie alimentaire | 2317524.55 | 0 | 1089854.4629643199 | 2239964.98868745 | 6440578.373400001 | 907868 | 4176.8799 | 24166.66675 | 0 | 13024133.92170177 210 | Industrie des boissons | 356649.17 | 0 | 1531.02035250293 | 2884448.341569565 | 4990500.03443 | 110000 | 0 | 0 | 0 | 8343128.5663520675 220 | Industrie du bois | 244.55 | 0 | 1531020.35250293 | 0 | 0 | 7027 | 0 | 0 | 0 | 1538291.90250293 230 | Industrie chimique | 132.51 | 0 | 725.99488 | 348423.079230495 | 135647.31583 | 74105 | 0 | 24166.66675 | 0 | 583200.566690495 240 | Industrie du textile | 0 | 0 | 9543.806120000001 | 1876774.24393288 | 3547.74071 | 341148 | 0 | 0 | 0 | 2231013.79076288 250 | Industrie pharmacie | 0 | 0 | 494674.056436272 | 12499.99993 | 204162.5924 | 76454 | 0 | 0 | 0 | 787790.648766272 260 | Imprimerie, édition | 33961.2 | 0 | 67360.56448000002 | 103596.97182513101 | 164566.66672 | 85823 | 0 | 0 | 0 | 455308.40302513103 270 | Sidérurgie, aciérie | 0 | 0 | 0.177734097 | 643062.0727572171 | 0 | 601216 | 0 | 0 | 0 | 1244278.250491314 280 | Industrie de la fabrication | 851.66 | 1228.53306 | 57606.665858289 | 2816684.8038514596 | 1136663.4462300001 | 300542 | 0 | 0 | 0 | 4313577.108999749 290 | Autres industries | 0 | 0 | 220236.93075398201 | 6706.133509727 | 1430779.96259 | 249784 | 0 | 0 | 0 | 1907507.026853709 300 | Production et distribution de l'électricité | 1723199.84 | 0 | 7030.473024186 | 72321.11755576199 | 0 | 2686 | 0 | 0 | 0 | 1805237.430579948 400 | Production et distribution de gaz | 0 | 0 | 11208.392380000001 | 0 | 145522.99931 | 78919 | 0 | 0 | 0 | 235650.39169000002 500 | Traitement et distribution de l'eau | 0 | 0 | 0 | 238154.163055513 | 9850.18075 | 73067 | 0 | 0 | 0 | 321071.343805513 600 | Entrep/ batiment et corps/ métiers corresp. | 763935.74 | 104044.71417 | 415299.0154358609 | 6019639.135975246 | 1339885.13974 | 599148 | 0 | 1112.3094149999997 | 0 | 9243064.054736108 700 | Commerce de gros(1) | 2872415.52 | 347034.45319 | 1491014.818241241 | 12287611.660786364 | 15741223.171659999 | 4374086 | 0 | 24166.66675 | 0 | 37137552.2906276 800 | Commerce de détail(2) | 837787.2 | 452863.85317 | 3535781.9042376773 | 6880768.988221388 | 10634420.813709997 | 1648241 | 0 | 24166.66675 | 0 | 24014030.426089063 900 | Rest/débits/boissons, casinos/activités/loterie | 34771.07 | 0 | 1210250.513286262 | 0 | 5683.6117699999995 | 7166 | 0 | 0 | 0 | 1257871.1950562622 1000 | Hotels,motels et pensions | 2199143.96 | 0 | 1154.654083559 | 345659.165750498 | 1174854.68125 | 129496 | 154457.270918126 | 0 | 0 | 4004765.732002183 1100 | Transport | 332833.03 | 135606.32291 | 54026.85486772099 | 377395.067572865 | 945685.19163 | 25731 | 0 | 0 | 0 | 1871277.466980586 1200 | Immobilier résidentiel / Avance Hypothécaire | 2350775.25 | 211496.19097 | 284946.70354381 | 549191.098261545 | 3219660.0365000004 | 1551803 | 3928346.918475233 | 0 | 0 | 12096219.197750589 1300 | Immobilier commercial | 3241899.8800000004 | 47355.35506 | 1745572.6356219258 | 6624230.108105225 | 2649467.7055899994 | 149199 | 1139917.491154695 | 0 | 0 | 15597642.175531844 1400 | Télécommunications | 836340.76 | 0 | 1974207.9220915257 | 13339.746477276 | 44594.333959999996 | 27007 | 0 | 0 | 0 | 2895489.762528802 1500 | Services financiers | 220636.09 | 0 | 9423.446511786 | 1386105.799365676 | 1767401.32852 | 2482118 | 0 | 953.40807 | 0 | 5866638.072467462 1510 | Services professionnels | 71682.34000000001 | 6772.97746 | 263806.951063312 | 201371.54641846102 | 533787.6227899999 | 700385 | 0 | 1112.3094149999997 | 0 | 1778918.747146773 1520 | Services médicaux | 10891.91 | 0 | 214310.57423133604 | 1770.50059 | 37546.0583 | 61785 | 0 | 0 | 0 | 326304.043121336 1530 | Services d'agence ou de représentation | 1814.09 | 775.39098 | 22199.012158969 | 19035.341123717 | 77412.70735 | 636 | 0 | 0 | 0 | 121872.541612686 1540 | Services d'enseignement | 432376.96 | 0 | 14809.705753971999 | 22338.689500763998 | 77700.95620999999 | 1294 | 0 | 0 | 0 | 548520.311464736 1550 | Autres services | 3180844.74 | 12706.93277 | 5451.237003824999 | 781056.0202130461 | 1711766.0182 | 220660 | 0 | 0 | 0 | 5912484.948186872 1560 | Crédit à la consommation | 3831803.76 | 27587.67246 | 462255.526147657 | 4043776.936708953 | 1866495.8672 | 329014 | 52159.981497337 | 0 | 0 | 10613093.744013947 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 | 25652515.78 | 1348228.05436 | 15316802.607023997 | 50797047.19975622 | 56499404.55674999 | 15216408 | 5279058.541945391 | 99844.69390000001 | 0 | 170209309.4337356 (1) Commerce de gros Import-export | 879311.1599999999 | 39152.85997 | 824896.299692933 | 2627045.4126431798 | 3116977.0057099997 | 218974.89 | 0 | 7706357.628016111 Produits pétroliers | 559696.9 | 0 | 436842.29223141307 | 3699246.93305554 | 1091407.9326099998 | 2320254.57 | 0 | 8107448.627896953 Produits pharmaceutiques | 0 | 0 | 25955.101601093 | 142699.427911335 | 81646.56745999999 | 22635.36 | 0 | 272936.45697242796 Produits alimentaires | 150043.8 | 12331.74962 | 539078.054448813 | 2843996.8329113 | 2530327.48432 | 1240464.55 | 0 | 7316242.471300113 Matériaux de construction | 157853.98 | 159917.42 | 1170069.914098911 | 252628.73646007304 | 6311420.546060001 | 533347.43 | 0 | 8585238.026618984 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1125509.67 | 104484.46758 | 538940.242164515 | 2721994.317804933 | 2609443.6355 | 5409.19 | 0 | 0 | 7105781.523049448 S-Total | 2872415.51 | 315886.49717 | 3535781.9042376783 | 12287611.66078636 | 15741223.171659999 | 4341085.99 | 0 | 0 | 0 | 39094004.73385404 (2) Commerce de détail Produits pétroliers | 137438.92 | 4834.70675 | 84900.69902999999 | 113344.28463000001 | 272484.14892 | 80177 | 693179.75933 Produits pharmaceutiques | 0 | 0 | 2617.4835199999998 | 0 | 6295.7121 | 28588 | 0 | 37501.19562 Véhicules automobiles | 25901.43 | 0 | 37980.16082047 | 1174283.604378841 | 3071299.61981 | 577832 | 0 | 4887296.815009311 Produits alimentaires | 126769.06999999999 | 0 | 550451.11037364 | 699199.1561567289 | 1792777.4134099998 | 146351.36 | 0 | 3315548.109940368 Librairie ,papeterie | 178.45 | 0 | 0 | 30091.046476608 | 131347.88805 | 0 | 0 | 161617.38452660802 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 62687.292715935 | 357293.33766586805 | 2168742.3980300003 | 683745 | 0 | 3272468.0284118033 Matériaux de construction | 63957.71 | 0 | 26756.895804264 | 104093.59038275403 | 1449793.65052 | 21 | 0 | 1644622.8467070179 Autres | 483541.63 | 415445.29527 | 444856.87102195306 | 4402463.968530589 | 1741679.98287 | 131483 | 0 | 0 | 7619470.747692542 S-Total | 837787.21 | 420280.00202 | 1210250.513286262 | 6880768.988221388 | 10634420.81371 | 1648197.3599999999 | 0 | 0 | 0 | 21631704.887237653 [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 | 0.0005604824477255881 | 0.007932349745191546 | 2.2077637221507276e-05 | 0.00017699301573976143 | 0 | 0 | 0 | 0.0007835962242059418 200 | Industrie alimentaire | 0.090342973370544 | 0 | 0.07115417564136611 | 0.04409636213457305 | 0.11399373894163534 | 0.05966375244407222 | 0.0007912168176980992 | 0.2420425743826132 | 0.07651834065381842 210 | Industrie des boissons | 0.01390308744213157 | 0 | 9.995691606032927e-05 | 0.056783779778116855 | 0.0883283651143149 | 0.0072290385483880296 | 0 | 0 | 0.049016875716778235 220 | Industrie du bois | 9.5331780359205e-06 | 0 | 0.09995691606032925 | 0 | 0 | 0.00046180412617747896 | 0 | 0 | 0.009037648455426019 230 | Industrie chimique | 5.165575226088019e-06 | 0 | 4.7398592162248824e-05 | 0.006859120725272533 | 0.002400862750575558 | 0.004870071832984499 | 0 | 0.2420425743826132 | 0.0034263729089244765 240 | Industrie du textile | 0 | 0 | 0.0006230938900801262 | 0.03694652243372695 | 6.279253273256224e-05 | 0.022419745842777086 | 0 | 0 | 0.013107472195176485 250 | Industrie pharmacie | 0 | 0 | 0.032296169711648816 | 0.0002460772942341418 | 0.0036135352930123698 | 0.005024444665258713 | 0 | 0 | 0.004628364050046086 260 | Imprimerie, édition | 0.001323893542888993 | 0 | 0.00439782154332326 | 0.0020394290128271115 | 0.0029127150633013036 | 0.005640161593984599 | 0 | 0 | 0.0026749911890241685 270 | Sidérurgie, aciérie | 0 | 0 | 1.1603864171918916e-08 | 0.012659438061988439 | 0 | 0.03951103309006961 | 0 | 0 | 0.0073102831721183 280 | Industrie de la fabrication | 3.319986262961378e-05 | 0.000911220513493306 | 0.0037610111807454953 | 0.055449774329894064 | 0.02011814912293979 | 0.019751179121905774 | 0 | 0 | 0.025342780153156504 290 | Autres industries | 0 | 0 | 0.014378779723451258 | 0.0001320181758470241 | 0.02532380604388271 | 0.016415437861550506 | 0 | 0 | 0.011206831360750704 300 | Production et distribution de l'électricité | 0.06717469174479541 | 0 | 0.00045900395823877477 | 0.001423726801901766 | 0 | 0.00017651997764518406 | 0 | 0 | 0.010605985281214874 400 | Production et distribution de gaz | 0 | 0 | 0.0007317710273853136 | 0 | 0.0025756554507372124 | 0.005186440847274863 | 0 | 0 | 0.0013844741658019673 500 | Traitement et distribution de l'eau | 0 | 0 | 0 | 0.004688346590678521 | 0.0001743413196524245 | 0.00480185599650062 | 0 | 0 | 0.0018863324507553429 600 | Entrep/ batiment et corps/ métiers corresp. | 0.029780148916060817 | 0.07717145021091386 | 0.02711394969896737 | 0.1185037215313597 | 0.023715031162747428 | 0.039375127165359916 | 0 | 0.011140395864341466 | 0.0543041040791869 700 | Commerce de gros(1) | 0.11197402799141754 | 0.25740040942460307 | 0.0973450436422997 | 0.24189617976151445 | 0.27860865605847157 | 0.28745851189058547 | 0 | 0.2420425743826132 | 0.21818755045878183 800 | Commerce de détail(2) | 0.0326590657690261 | 0.33589558658529267 | 0.23084334210954932 | 0.1354560819482911 | 0.188221821046422 | 0.10831997932757849 | 0 | 0.2420425743826132 | 0.14108529378316992 900 | Rest/débits/boissons, casinos/activités/loterie | 0.001355464325534468 | 0 | 0.07901456618179985 | 0 | 0.00010059595874663033 | 0.0004709390021613511 | 0 | 0 | 0.007390143343163997 1000 | Hotels,motels et pensions | 0.08572819831240738 | 0 | 7.538479885021808e-05 | 0.006804709816915438 | 0.020794107309041365 | 0.00851028705329142 | 0.029258487984337982 | 0 | 0.023528476470091566 1100 | Transport | 0.012974674018502837 | 0.10058114609873767 | 0.0035272932774458613 | 0.007429468608456362 | 0.01673796740070279 | 0.0016910035535324763 | 0 | 0 | 0.010993978374074159 1200 | Immobilier résidentiel | 0.09163916982492545 | 0.15686974491151398 | 0.01860353696881481 | 0.010811476818758485 | 0.05698573395169254 | 0.10198221551367445 | 0.744137782762226 | 0 | 0.07106673094434815 1300 | Immobilier commercial | 0.126377463629807 | 0.03512414306085587 | 0.11396455777405129 | 0.13040581044122215 | 0.046893727931748036 | 0.009805139294372232 | 0.21593196629613862 | 0 | 0.09163800868132997 1400 | Télécommunications | 0.032602679876414055 | 0 | 0.12889164747649037 | 0.0002626086989824089 | 0.0007892885652486457 | 0.0017748604006937775 | 0 | 0 | 0.017011347805603125 1500 | Services financiers | 0.00860095329020396 | 0 | 0.0006152358787639259 | 0.02728713332322057 | 0.031281769115721565 | 0.16312115185134363 | 0 | 0.009548910740864116 | 0.03446719860379558 1510 | Services professionnels | 0.0027943590646141298 | 0.005023614097108455 | 0.017223369513317037 | 0.003964237244471711 | 0.00944766811221603 | 0.04602827421557046 | 0 | 0.011140395864341466 | 0.010451359876054993 1520 | Services médicaux | 0.00042459422278152867 | 0 | 0.0139918610776545 | 3.485439976535677e-05 | 0.00066453900876579 | 0.00406041951556504 | 0 | 0 | 0.0019170751835308388 1530 | Services d'agence ou de représentation | 7.071782025427526e-05 | 0.0005751185620952502 | 0.001449324165657717 | 0.00037473322118235946 | 0.0013701508530456095 | 4.1796986516134425e-05 | 0 | 0 | 0.0007160157221607925 1540 | Services d'enseignement | 0.016855148388100902 | 0 | 0.0009668927735074778 | 0.0004397635439894468 | 0.0013752526565471042 | 8.503978074194646e-05 | 0 | 0 | 0.0032226222718933074 1550 | Autres services | 0.12399737972210693 | 0.009424913484708598 | 0.00035589914838526183 | 0.015376012254050752 | 0.030297062980206135 | 0.014501451328066387 | 0 | 0 | 0.03473655446847734 1560 | Crédit à la consommation | 0.149373410111591 | 0.020462170602951732 | 0.030179635920598424 | 0.07960653541153785 | 0.03303567324015293 | 0.02162231717235763 | 0.009880546139599254 | 0 | 0.06235319195713994 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 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999997 | 0.9999999999999999 | 1.0000000000000004 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.03427777484053066 | 0.029040235324717188 | 0.05385564604159951 | 0.05171649844748825 | 0.05516831602321044 | 0.014390708372172987 | 0 | 0 | 0.045275770483143185 Produits pétroliers | 0.02181840193765198 | 0 | 0.028520462360145937 | 0.07282405448703509 | 0.019317158139494216 | 0.15248372480548628 | 0 | 0 | 0.0476322279602061 Produits pharmaceutiques | 0 | 0 | 0.001694550897273461 | 0.002809207144466063 | 0.001445087219954527 | 0.0014875626363330952 | 0 | 0 | 0.0016035342478061413 Produits alimentaires | 0.005849087133862392 | 0.009146634784909477 | 0.0351952080522081 | 0.055987443949792194 | 0.044785029225900067 | 0.081521509544171 | 0 | 0 | 0.042983797394163144 Matériaux de construction | 0.006153547720378793 | 0.1186130339617598 | 0.0763912641638627 | 0.004973295700961245 | 0.11170773560490514 | 0.035050810283215335 | 0 | 0 | 0.050439297681078445 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.04387521596916838 | 0.07749762159458881 | 0.03518621059445965 | 0.05358568003177153 | 0.04618532984500718 | 0.00035548402750504586 | 0 | 0 | 0.04174731421383158 S-Total | 0.1119740276015922 | 0.23429752566597528 | 0.23084334210954938 | 0.24189617976151437 | 0.27860865605847157 | 0.2852897996688838 | - | 0 | 0.2296819419802286 (2) Commerce de détail Produits pétroliers | 0.005357717004394335 | 0.0035859710338804825 | 0.005542977944435095 | 0.002231316402787758 | 0.004822779125863306 | 0.0052691147608555184 | 0 | 0 | 0.004072513786914003 Produits pharmaceutiques | 0 | 0 | 0.0001708896815579298 | 0 | 0.00011142970708083065 | 0.0018787614001937907 | 0 | 0 | 0.0002203239984038572 Véhicules automobiles | 0.0010097033063787867 | 0 | 0.002479640287526655 | 0.02311716269178096 | 0.05435985819505546 | 0.03797427093174684 | 0 | 0 | 0.028713451874452203 Produits alimentaires | 0.004941779242519191 | 0 | 0.03593772959646378 | 0.013764562995308994 | 0.03173090809495649 | 0.009617996573172853 | 0 | 0 | 0.01947924071233688 Librairie ,papeterie | 6.956432715232111e-06 | 0 | 0 | 0.0005923778671283163 | 0.0023247658817018074 | 0 | 0 | 0 | 0.0009495214160981451 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.004092714016382753 | 0.007033742261845148 | 0.03838522573900118 | 0.04493471783879612 | 0 | 0 | 0.019226140093622855 Matériaux de construction | 0.0024932334336527206 | 0 | 0.0017468982587784863 | 0.002049205536955967 | 0.025660335040589254 | 1.3800891774195328e-06 | 0 | 0 | 0.009662355438597722 Autres | 0.018849676739191152 | 0.30814170787093637 | 0.02904371639665514 | 0.08666771419248394 | 0.03082651926217373 | 0.008640869776888212 | 0 | 0 | 0.044765299695072716 S-Total | 0.03265906615885142 | 0.31172767890481684 | 0.07901456618179985 | 0.13545608194829106 | 0.18822182104642204 | 0.10831711137083076 | - | 0 | 0.12708884701549839 [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 ) | 3710202.7199999997 | 799898.30636 | 5026796.722478919 | 19168380.649007753 | 26375643.985369995 | 6022327 | 0 | 48333.3335 | 0 | 61151582.71671666 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6152161.16 | 20255.301209999998 | 1741406.0940930212 | 2757337.0629621623 | 5386152.98439 | 3603540 | 154457.270918126 | 2065.7174849999997 | 0 | 19817375.59105831 Industries Manufacturières ( 200 à 290 ) | 2709363.6399999997 | 1228.53306 | 3472554.0320823933 | 10932160.635293925 | 14506446.132309997 | 2753967 | 4176.8799 | 48333.3335 | 0 | 34428230.18614631 Prêts aux Particuliers ( 1560 ) | 3831803.76 | 27587.67246 | 462255.526147657 | 4043776.936708953 | 1866495.8672 | 329014 | 52159.981497337 | 0 | 0 | 10613093.744013947 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592675.130000001 | 258851.54603 | 2030519.3391657358 | 7173421.20636677 | 5869127.74209 | 1701002 | 5068264.409629928 | 0 | 0 | 27693861.373282433 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1169173.79 | 135606.32291 | 2028234.7769592467 | 390734.814050141 | 990279.52559 | 52738 | 0 | 0 | 0 | 4766767.229509387 Bâtiments et Travaux Publics ( 600 ) | 763935.74 | 104044.71417 | 415299.0154358609 | 6019639.135975246 | 1339885.13974 | 599148 | 0 | 1112.3094149999997 | 0 | 9243064.054736108 Électricité, Gaz et Eau ( 300 à 500 ) | 1723199.84 | 0 | 18238.865404186 | 310475.280611275 | 155373.18006 | 154672 | 0 | 0 | 0 | 2361959.166075461 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 755.6581600000001 | 121498.235256976 | 1121.47878 | 10000 | 0 | 0 | 0 | 0 | 133375.372196976 Total | 25652515.779999997 | 1348228.0543600004 | 15316802.607023995 | 50797047.199756235 | 56499404.55674999 | 15216408 | 5279058.541945391 | 99844.6939 | 0 | 170209309.4337356 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14463309376044364 | 0.5932959960098956 | 0.3281883857518491 | 0.3773522617098054 | 0.46683047710489356 | 0.395778491218164 | 0 | 0.48408514876522646 | #DIV/0! | 0.35927284424195177 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.23982681514600362 | 0.015023646143912297 | 0.113692533537936 | 0.05428144380359562 | 0.09533114599429023 | 0.23681935973325635 | 0.029258487984337982 | 0.020689306605205585 | #DIV/0! | 0.11642944593916843 Industries Manufacturières ( 200 à 290 ) | 0.10561785297145619 | 0.0009112205134933056 | 0.22671533486303114 | 0.2152125219464801 | 0.2567539648623945 | 0.18098666912716851 | 0.0007912168176980992 | 0.48408514876522646 | #DIV/0! | 0.20226995985521937 Prêts aux Particuliers ( 1560 ) | 0.14937341011159103 | 0.020462170602951725 | 0.030179635920598427 | 0.07960653541153782 | 0.03303567324015293 | 0.02162231717235763 | 0.009880546139599254 | 0 | #DIV/0! | 0.06235319195713994 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2180166334547325 | 0.19199388797236977 | 0.13256809474286613 | 0.14121728725998062 | 0.10387946188344058 | 0.11178735480804668 | 0.9600697490583646 | 0 | #DIV/0! | 0.16270473962567814 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.0455773538949169 | 0.10058114609873764 | 0.13241894075393626 | 0.007692077307438769 | 0.017527255965951435 | 0.0034658639542262536 | 0 | 0 | #DIV/0! | 0.02800532617967728 Bâtiments et Travaux Publics ( 600 ) | 0.02978014891606082 | 0.07717145021091383 | 0.027113949698967372 | 0.11850372153135967 | 0.023715031162747428 | 0.039375127165359916 | 0 | 0.011140395864341467 | #DIV/0! | 0.0543041040791869 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06717469174479541 | 0 | 0.0011907749856240886 | 0.006112073392580286 | 0.002749996770389637 | 0.010164816821420666 | 0 | 0 | #DIV/0! | 0.013876791897772186 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0.0005604824477255879 | 0.007932349745191546 | 2.207763722150727e-05 | 0.00017699301573976143 | 0 | 0 | 0 | #DIV/0! | 0.0007835962242059418 Total | 1.0000000000000002 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [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 | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867 Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875 Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486 Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796 Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524 S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964 [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 | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867 Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875 Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486 Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796 Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524 S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681 (2) Commerce de détail Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693 Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05 Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694 Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145 Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685 Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898 Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652 Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351 S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964 [Secteur d'activitémars 21 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2021 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3947839 | 658836.43652 | 4254174.579700001 | 14463318.208999999 | 16743671.55 | 3725610.676 | 0 | 187412.5096 | 0 | 43980862.96082 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3168261 | 19062.509599999998 | 800531.78947 | 2297139.698 | 3620138.5400000005 | 2767491.699 | 174336.87 | 70442.501567836 | 0 | 12917404.607637836 Industries Manufacturières ( 200 à 290 ) | 2429513 | 3340.20664 | 2628834.53612 | 7808323.355 | 6725624.050000001 | 1894603.201 | 10484.3 | 185726.8904 | 0 | 21686449.539160002 Prêts aux Particuliers ( 1560 ) | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5457765 | 262247.84927999997 | 3170556.05197 | 6446761.879 | 3710595.92 | 1166540.854 | 4314572.82 | 0 | 0 | 24529040.37425 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2428944 | 125752.9157 | 258862.25959 | 372978.31899999996 | 1628162.67 | 67056.28899999999 | 0 | 0 | 0 | 4881756.45329 Bâtiments et Travaux Publics ( 600 ) | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893 Électricité, Gaz et Eau ( 300 à 500 ) | 1288751 | 0 | 666826.9595900001 | 1117840.543 | 81885 | 175303.117 | 0 | 0 | 0 | 3330606.6195900002 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301 Total | 23136284 | 1172973.7336899997 | 14397797.893599998 | 41315370.35699999 | 36008900.14 | 10535035.494 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.17063410010008523 | 0.5616804687070011 | 0.29547397533556397 | 0.3500711256857825 | 0.4649870305647164 | 0.3536400687137542 | 0 | 0.35154423176517513 | #DIV/0! | 0.3340320004665636 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13693906074112852 | 0.016251437736829962 | 0.055600988108455554 | 0.05560012358961704 | 0.10053454912327685 | 0.2626941029839116 | 0.038171986379016816 | 0.13213448317903564 | #DIV/0! | 0.09810690858360605 Industries Manufacturières ( 200 à 290 ) | 0.10500878187698595 | 0.0028476397587286206 | 0.18258587566981682 | 0.1889931831066607 | 0.18677671419708075 | 0.17983833106960387 | 0.002295593334866721 | 0.3483823846292643 | #DIV/0! | 0.16470727573117502 Prêts aux Particuliers ( 1560 ) | 0.15783187135842558 | 0.018804241950595393 | 0.05930609513136443 | 0.09868132014237727 | 0.05126944540994803 | 0.03167846023775342 | 0.014833717617448642 | 0 | #DIV/0! | 0.08242233641789375 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.23589635224048944 | 0.22357521038003766 | 0.22021117919562908 | 0.15603785766155515 | 0.10304663307053176 | 0.1107296557913239 | 0.9446987026686677 | 0 | #DIV/0! | 0.18629658160720797 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10498418847209863 | 0.1072086374043519 | 0.017979295271610077 | 0.009027592292581418 | 0.04521556236568796 | 0.006365074805698608 | 0 | 0 | #DIV/0! | 0.03707664570692208 Bâtiments et Travaux Publics ( 600 ) | 0.03300305269420102 | 0.06963236406245568 | 0.11463502604962 | 0.11391905918622772 | 0.021229390151542685 | 0.038414294401806784 | 0 | 0.16793890042652498 | #DIV/0! | 0.06426092277522277 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05570259251658564 | 0 | 0.046314510352059676 | 0.02705628760775725 | 0.0022740211359313124 | 0.016640011996147525 | 0 | 0 | #DIV/0! | 0.025295756313374627 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007893054885880539 | 0.0006134507274410975 | 0.024666653981284304 | 0 | 0 | 0 | #DIV/0! | 0.007801572398034099 Total | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | #DIV/0! | 1 [Secteur d' activitédec. 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372 200 | Industrie alimentaire | 1461272 | 1209.3326299999999 | 768534.66862 | 1009513.407 | 2388621.91 | 431102.061 | 11339.35 | 98956.1961 | 0 | 6170548.92535 210 | Industrie des boissons | 775134 | 0 | 1161561.9498299998 | 2239363.501 | 2892103.46 | 231330.511 | 0 | 0 | 0 | 7299493.42183 220 | Industrie du bois | 39519 | 0 | 1093.86803 | 2611.107 | 0 | 2417.377 | 0 | 0 | 0 | 45641.35203 230 | Industrie chimique | 144 | 0 | 12243.857689999999 | 262562.284 | 17986.98 | 54310.439 | 0 | 81333.3335 | 0 | 428580.89418999996 240 | Industrie du textile | 94 | 0 | 472377.69596 | 1378927.462 | 6980.49 | 140535.348 | 0 | 0 | 0 | 1998914.99596 250 | Industrie pharmacie | 0 | 0 | 23384.421489999997 | 100000 | 97573.5 | 3338.039 | 0 | 0 | 0 | 224295.96048999997 260 | Imprimerie, édition | 17883 | 0 | 2171.05723 | 83784.868 | 212900.32 | 40447.519 | 0 | 0 | 0 | 357186.76423 270 | Sidérurgie, aciérie | 16951 | 0 | 18886.86477 | 123216.215 | 0 | 287585.18 | 0 | 0 | 0 | 446639.25977 280 | Industrie de la fabrication | 29664 | 0 | 269568.00508 | 1980950.654 | 341754.76 | 170670.718 | 0 | 0 | 0 | 2792608.1370800002 290 | Autres industries | 0 | 0 | 35877.16663 | 80951.908 | 998365.05 | 130940.355 | 0 | 0 | 0 | 1246134.47963 300 | Production et distribution de l'électricité | 1143930 | 0 | 334958.39235000004 | 470640.333 | 2164.82 | 4272.917 | 0 | 89530.27228 | 0 | 2045496.7346299998 400 | Production et distribution de gaz | 0 | 0 | 5.1320500000000004 | 356333.923 | 78053.52 | 139436.194 | 0 | 0 | 0 | 573828.76905 500 | Traitement et distribution de l'eau | 0 | 0 | 329156.58926 | 230613.265 | 35109.5 | 7912.071 | 0 | 0 | 0 | 602791.4252599999 600 | Entrep/ batiment et corps/ métiers corresp. | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935 700 | Commerce de gros(1) | 2899120 | 274916.69956 | 2750384.36444 | 5823173.494 | 8959107.78 | 1806430.919 | 0 | 104763.48023999999 | 0 | 22617896.737239998 800 | Commerce de détail(2) | 750114 | 348104.40419 | 793801.95903 | 7415455.482 | 6543126.6 | 920779.963 | 0 | 72230.14684 | 0 | 16843612.55506 900 | Rest/débits/boissons, casinos/activités/loterie | 105104 | 34.29018 | 1826.14382 | 2554.759 | 14879.49 | 17711.879 | 0 | 0 | 0 | 142110.562 1000 | Hotels,motels et pensions | 1962401 | 0 | 126438.167 | 729172.49 | 938052.62 | 269731.502 | 174528.45 | 0 | 0 | 4200324.228999999 1100 | Transport | 733614 | 123678.2832 | 289316.55755 | 240066.162 | 427515.27 | 32473.679 | 0 | 0 | 0 | 1846663.95175 1200 | Immobilier résidentiel / Avance Hypothécaire | 2198734 | 210428.49223 | 1767510.3556400002 | 443863.835 | 2916808.01 | 991513.941 | 3253166.43 | 0 | 0 | 11782025.06387 1300 | Immobilier commercial | 3153220 | 51382.948130000004 | 1444105.37007 | 6048077.722 | 238395.95 | 91450.041 | 917185.54 | 0 | 0 | 11943817.571199998 1400 | Télécommunications | 1514621 | 0 | 14352.70458 | 52348.763 | 1088546.49 | 33947.031 | 0 | 0 | 0 | 2703815.98858 1500 | Services financiers | 308016 | 0 | 317526.73782 | 1013840.406 | 1212841.11 | 1978977.628 | 0 | 63552.83092 | 0 | 4894754.71274 1510 | Services professionnels | 382273 | 7525.799 | 266483.15502 | 121765.428 | 320930.93 | 328410.163 | 0 | 0 | 0 | 1427388.47502 1520 | Services médicaux | 12103 | 0 | 14211.253560000001 | 3424.22 | 57999.97 | 41857.976 | 0 | 0 | 0 | 129596.41956000001 1530 | Services d'agence ou de représentation | 1379 | 775.39098 | 15896.55094 | 18520.544 | 27868.68 | 2414.846 | 0 | 0 | 0 | 66855.01192 1540 | Services d'enseignement | 252690 | 0 | 23505.02829 | 41760.715 | 31594.67 | 4749.988 | 0 | 0 | 0 | 354300.40129 1550 | Autres services | 39827 | 10896.931630000001 | 95218.69323 | 199118.785 | 909978.84 | 220387.83 | 0 | 0 | 0 | 1475428.07986 1560 | Crédit à la consommation | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 21956538 | 1126759.7359699998 | 13879954.478999997 | 38490975.02900001 | 34246036.20999999 | 9241170.66 | 4426131.739999999 | 510366.25988 | 0 | 123877932.11385003 (1) Commerce de gros Import-export | 947362 | 38963.20002 | 925490.69303 | 1270857.032 | 2004414.1 | 199996 | 0 | 5387083.025049999 Produits pétroliers | 169843 | 0 | 291990.20916 | 1422446.068 | 342632.09 | 496721 | 55511.41484 | 0 | 2779143.782 Produits pharmaceutiques | 0 | 18175.24635 | 69623.584 | 64680.46 | 12979 | 0 | 165458.29035 Produits alimentaires | 379630 | 8451.23978 | 492276.30757 | 1920799.521 | 2380833.64 | 770692 | 0 | 5952682.70835 Matériaux de construction | 118176.59714 | 733798.84015 | 346704.373 | 2714587.09 | 306105 | 0 | 4219371.900289999 Appareils électroménagers électron.,équipe.inform. | 0 | 0 Autres | 1402285 | 109325.66262 | 288653.0682 | 792742.916 | 1451960.39 | 19938 | 49252.0654 | 0 | 4114157.1022200002 S-Total | 2899120 | 274916.69956 | 2750384.36446 | 5823173.493999999 | 8959107.77 | 1806431 | 0 | 104763.48024 | 0 | 22617896.808259998 (2) Commerce de détail Produits pétroliers | 123913 | 4910.85576 | 87529.44709 | 53074.906 | 245804.86 | 40463 | 55511.41484 | 611207.4836899999 Produits pharmaceutiques | 455 | 0 | 1012.16571 | 3810.17 | 4072.06 | 48438 | 0 | 57787.39571 Véhicules automobiles | 30000 | 0 | 96021.01586 | 1164613.031 | 2829095.74 | 472042 | 0 | 4591771.78686 Produits alimentaires | 71449 | 0 | 464376.65750000003 | 655936.192 | 1339606.42 | 138066 | 16718.732 | 0 | 2686153.0015 Librairie ,papeterie | 810 | 0 | 0 | 28054.788 | 125982.72 | 0 | 0 | 154847.508 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 42573.76663 | 202717.577 | 621809.82 | 159228 | 0 | 1026329.16363 Matériaux de construction | 19446 | 0 | 29990.03587 | 137874.898 | 413247.49 | 2 | 0 | 600560.4238699999 Autres | 504041 | 348104.40419 | 72298.87036 | 5169373.918 | 963507.49 | 62540 | 0 | 7119865.68255 S-Total | 750114 | 353015.25995 | 793801.95902 | 7415455.4799999995 | 6543126.600000001 | 920779 | 0 | 72230.14684 | 0 | 16848522.445809998 [Secteur d'activitésdec. 20%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007963033732367331 | 0.0004763230338069282 | 0.02788406500957794 | 0 | 0 | 0 | 0.00874876876959774 200 | Industrie alimentaire | 0.06655293288951108 | 0.0010732834972656483 | 0.05537011449012838 | 0.026227275516907764 | 0.06974885780511182 | 0.04665015687525459 | 0.002561909736559265 | 0.19389251186641354 | 0.0498115267187295 210 | Industrie des boissons | 0.035303106527996356 | 0 | 0.08368629389868766 | 0.0581789237428465 | 0.08445075051212768 | 0.025032598088606233 | 0 | 0 | 0.05892488918140319 220 | Industrie du bois | 0.0017998739145488236 | 0 | 7.880919434245937e-05 | 6.783686300574954e-05 | 0 | 0.0002615877456374126 | 0 | 0 | 0.00036843811687180337 230 | Industrie chimique | 6.558410984463944e-06 | 0 | 0.0008821252049871367 | 0.006821398621421759 | 0.0005252280844913586 | 0.005877008552074505 | 0 | 0.15936267714704241 | 0.003459703329533404 240 | Industrie du textile | 4.281184948191741e-06 | 0 | 0.034033086828540754 | 0.035824695554245736 | 0.0002038335168833836 | 0.015207526532141762 | 0 | 0 | 0.01613616696574251 250 | Industrie pharmacie | 0 | 0 | 0.0016847621168628475 | 0.002598011609855496 | 0.00284919105386883 | 0.0003612138681139777 | 0 | 0 | 0.0018106207995453197 260 | Imprimerie, édition | 0.000814472664133116 | 0 | 0.0001564167399312982 | 0.0021767405979421024 | 0.0062167872128171195 | 0.00437688259292465 | 0 | 0 | 0.0028833768705609926 270 | Sidérurgie, aciérie | 0.0007720251708170022 | 0 | 0.0013607295901852795 | 0.003201171570924509 | 0 | 0.031119994487797932 | 0 | 0 | 0.003605478814091893 280 | Industrie de la fabrication | 0.0013510326627995724 | 0 | 0.019421389709011597 | 0.051465327976428374 | 0.009979396094319555 | 0.018468517061235614 | 0 | 0 | 0.022543225330185955 290 | Autres industries | 0 | 0 | 0.0025848187531364894 | 0.0021031399682395397 | 0.0291527184015671 | 0.014169238921944115 | 0 | 0 | 0.010059374243386142 300 | Production et distribution de l'électricité | 0.05209974359345722 | 0 | 0.02413252816187425 | 0.012227290492002565 | 6.321373915290854e-05 | 0.00046237832383024083 | 0 | 0.17542357188943256 | 0.01651219631879297 400 | Production et distribution de gaz | 0 | 0 | 3.697454489324627e-07 | 0.009257596689393544 | 0.0022791986646678846 | 0.015088585540741436 | 0 | 0 | 0.004632211397608919 500 | Traitement et distribution de l'eau | 0 | 0 | 0.023714529450222996 | 0.005991359398566821 | 0.001025213539596383 | 0.0008561762671743582 | 0 | 0 | 0.004866011362750263 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03532551443219327 | 0.06827933415083301 | 0.108795211836948 | 0.09277071532507682 | 0.019351428467113685 | 0.05817422486600848 | 0 | 0 | 0.05758714096707476 700 | Commerce de gros(1) | 0.13203903092554936 | 0.24398875002693537 | 0.19815514298705078 | 0.15128672343614794 | 0.2616100656164085 | 0.1954764158635287 | 0 | 0.2052711718533912 | 0.18258213025749426 800 | Commerce de détail(2) | 0.03416358261944574 | 0.3089428855836115 | 0.05719053043228646 | 0.19265439434602583 | 0.19106230455042789 | 0.09963888741775492 | 0 | 0.14152610099457422 | 0.13596943594101873 900 | Rest/débits/boissons, casinos/activités/loterie | 0.004786911306327072 | 3.0432557097436947e-05 | 0.00013156698912542597 | 6.637293542382817e-05 | 0.0004344879479995154 | 0.0019166271949359283 | 0 | 0 | 0.0011471822266890383 1000 | Hotels,motels et pensions | 0.08937661301613214 | 0 | 0.009109407901250512 | 0.018943985946072404 | 0.027391567720356627 | 0.029188023024779845 | 0.03943137264142979 | 0 | 0.0339069611296037 1100 | Transport | 0.03341209802747592 | 0.10976455694303666 | 0.02084420074919758 | 0.006236946760094503 | 0.012483642409837892 | 0.0035140222158823327 | 0 | 0 | 0.014907126073535223 1200 | Immobilier résidentiel | 0.10014028623273852 | 0.18675542399360523 | 0.12734266227704108 | 0.011531633965249843 | 0.0851721347286399 | 0.10729311009174675 | 0.7349908726395028 | 0 | 0.09510995915754977 1300 | Immobilier commercial | 0.1436118936418847 | 0.04560239995243146 | 0.10404251485513825 | 0.1571297613906438 | 0.0069612713289833915 | 0.009895936820627874 | 0.20722056953505866 | 0 | 0.09641602315594865 1400 | Télécommunications | 0.06898268752569281 | 0 | 0.0010340599172508282 | 0.0013600269403557382 | 0.031786057905356636 | 0.0036734556961422896 | 0 | 0 | 0.021826454013577315 1500 | Services financiers | 0.014028441095768377 | 0 | 0.02287664115184308 | 0.026339691453286095 | 0.035415517946741096 | 0.2141479365342659 | 0 | 0.124523966249146 | 0.0395127253839003 1510 | Services professionnels | 0.017410440571277677 | 0.006679151517178792 | 0.01919913753486598 | 0.0031634799562302346 | 0.009371330685747706 | 0.0355377229880094 | 0 | 0 | 0.01152254038038154 1520 | Services médicaux | 0.0005512253343400494 | 0 | 0.0010238688881509842 | 8.896163314699386e-05 | 0.0016936257861884685 | 0.004529510117282046 | 0 | 0 | 0.0010461622772399398 1530 | Services d'agence ou de représentation | 6.280589408038735e-05 | 0.0006881600000842105 | 0.0011452884059563063 | 0.0004811658833283955 | 0.0008137782670410838 | 0.0002613138625880544 | 0 | 0 | 0.000539684597403167 1540 | Services d'enseignement | 0.01150864494211246 | 0 | 0.001693451396080764 | 0.0010849482240586654 | 0.0009225788878531354 | 0.0005140028438777907 | 0 | 0 | 0.0028600768130709526 1550 | Autres services | 0.0018139016269322604 | 0.009671033923322704 | 0.006860158898508159 | 0.005173129151703204 | 0.026571800439032477 | 0.02384847527531755 | 0 | 0 | 0.01191033830387165 1560 | Crédit à la consommation | 0.15408189578885342 | 0.018524587854598082 | 0.06548714816357866 | 0.11507097101756818 | 0.05457995367809022 | 0.034458470329775295 | 0.015795275447449745 | 0 | 0.08879407110284013 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 (1) Commerce de gros Import-export | 0.043147148243498135 | 0.034579865410665864 | 0.0666782224992339 | 0.033017013236024975 | 0.05852981313541631 | 0.021641846835019924 | 0 | 0 | 0.043487027375456996 Produits pétroliers | 0.007735418033571595 | 0 | 0.021036827577624515 | 0.036955313990573 | 0.01000501453362214 | 0.05375087402617019 | 0 | 0.1087677991351782 | 0.022434534824538624 Produits pharmaceutiques | 0 | 0 | 0.0013094600834245291 | 0.0018088287955174936 | 0.0018886991651639094 | 0.0014044757398734154 | 0 | 0 | 0.001335655895498284 Produits alimentaires | 0.017290066403000327 | 0.007500480812552762 | 0.035466709081416734 | 0.04990259455762875 | 0.06952143674089752 | 0.08339765905805704 | 0 | 0 | 0.04805280978438667 Matériaux de construction | 0 | 0.10488180697925335 | 0.052867524980735214 | 0.009007419862416703 | 0.07926719090506973 | 0.03312405010817104 | 0 | 0 | 0.034060722747714135 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.06386639824547932 | 0.09702659682446341 | 0.02079639876605679 | 0.020595552993987 | 0.04239791084423432 | 0.0021575188613603634 | 0 | 0.09650337271821299 | 0.033211380203205874 S-Total | 0.1320390309255494 | 0.24398875002693537 | 0.19815514298849168 | 0.15128672343614794 | 0.26161006532440395 | 0.19547642462865197 | - | 0.2052711718533912 | 0.18258213083080058 (2) Commerce de détail Produits pétroliers | 0.00564355819665195 | 0.004358387687480122 | 0.006306176812209992 | 0.0013788922197998912 | 0.007177614906808511 | 0.004378557813583328 | 0 | 0.1087677991351782 | 0.004933949681435347 Produits pharmaceutiques | 2.0722756930077047e-05 | 0 | 7.292284074356151e-05 | 9.898865895523116e-05 | 0.00011890602389805745 | 0.005241543715847793 | 0 | 0 | 0.000466486602770302 Véhicules automobiles | 0.0013663356217633218 | 0 | 0.0069179633121475475 | 0.030256781755269985 | 0.08261089612391088 | 0.05108032492498088 | 0 | 0 | 0.03706690698259261 Produits alimentaires | 0.0032541104613122524 | 0 | 0.03345664124493993 | 0.017041298421404037 | 0.03911712327188479 | 0.014940314931917944 | 0 | 0.03275830185939602 | 0.021683870207256047 Librairie ,papeterie | 3.6891061787609686e-05 | 0 | 0 | 0.0007288666493603465 | 0.003678753337392445 | 0 | 0 | 0 | 0.0012500007495902287 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003067284312381066 | 0.005266626185677754 | 0.01815713258571013 | 0.017230284544923664 | 0 | 0 | 0.008285004004480411 Matériaux de construction | 0.0008856587500269852 | 0 | 0.0021606724946666165 | 0.0035820058571164226 | 0.012067016675037267 | 2.1642279680613537e-07 | 0 | 0 | 0.004848001686999867 Autres | 0.02295630577097355 | 0.3089428855836115 | 0.005208869414477279 | 0.1343009345464819 | 0.028134861625785806 | 0.006767540856127853 | 0 | 0 | 0.057474850936375714 S-Total | 0.03416358261944574 | 0.31330127327109164 | 0.057190530431565995 | 0.19265439429406556 | 0.19106230455042789 | 0.09963878321017827 | - | 0.14152610099457422 | 0.13600907085150052 [Secteur d'activitédec 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3649234 | 623021.10375 | 3544186.32347 | 13238628.976 | 15502234.379999999 | 2727210.882 | 0 | 176993.62708 | 0 | 39461509.29229999 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3063793 | 19232.41179 | 861105.72968 | 2130157.347 | 3514146.3100000005 | 2864241.812 | 174528.45 | 63552.83092 | 0 | 12690757.89139 Industries Manufacturières ( 200 à 290 ) | 2340661 | 1209.3326299999999 | 2765699.55533 | 7261881.4059999995 | 6956286.470000001 | 1492677.5469999998 | 11339.35 | 180289.5296 | 0 | 21010044.19056 Prêts aux Particuliers ( 1560 ) | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5351954 | 261811.44036 | 3211615.72571 | 6491941.557 | 3155203.96 | 1082963.982 | 4170351.97 | 0 | 0 | 23725842.63507 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248235 | 123678.2832 | 303669.26213000005 | 292414.925 | 1516061.76 | 66420.71 | 0 | 0 | 0 | 4550479.94033 Bâtiments et Travaux Publics ( 600 ) | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935 Électricité, Gaz et Eau ( 300 à 500 ) | 1143930 | 0 | 664120.11366 | 1057587.5210000002 | 115327.84000000001 | 151621.18199999997 | 0 | 89530.27228 | 0 | 3222116.92894 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372 Total | 21956538 | 1126759.73597 | 13879954.478999998 | 38490975.02899999 | 34246036.21 | 9241170.660000002 | 4426131.74 | 510366.25988 | 0 | 123877932.11384998 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1662026135449951 | 0.5529316356105468 | 0.25534567341933717 | 0.3439411177821739 | 0.45267237016683626 | 0.2951153032812836 | 0 | 0.34679727284796547 | #DIV/0! | 0.3185515661985131 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1395389837869704 | 0.017068777997683138 | 0.0620395211657812 | 0.05534173518324984 | 0.1026146876809601 | 0.30994361184105645 | 0.039431372641429784 | 0.124523966249146 | #DIV/0! | 0.10244567111216032 Industries Manufacturières ( 200 à 290 ) | 0.1066042834257386 | 0.0010732834972656481 | 0.19925854652581387 | 0.18866452202181758 | 0.20312676268118682 | 0.16152472472573073 | 0.0025619097365592648 | 0.353255189013456 | #DIV/0! | 0.16960280037005077 Prêts aux Particuliers ( 1560 ) | 0.15408189578885342 | 0.018524587854598075 | 0.06548714816357865 | 0.11507097101756823 | 0.05457995367809021 | 0.03445847032977529 | 0.01579527544744974 | 0 | #DIV/0! | 0.08879407110284016 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24375217987462322 | 0.23235782394603666 | 0.2313851771321793 | 0.16866139535589372 | 0.09213340605762327 | 0.11718904691237461 | 0.9422114421745612 | 0 | #DIV/0! | 0.1915259823134985 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10239478555316872 | 0.10976455694303665 | 0.021878260666448407 | 0.007596973700450244 | 0.04426970031519452 | 0.007187477912024621 | 0 | 0 | #DIV/0! | 0.03673358008711255 Bâtiments et Travaux Publics ( 600 ) | 0.03532551443219327 | 0.068279334150833 | 0.10879521183694799 | 0.09277071532507686 | 0.01935142846711368 | 0.05817422486600846 | 0 | 0 | #DIV/0! | 0.05758714096707478 Électricité, Gaz et Eau ( 300 à 500 ) | 0.05209974359345722 | 0 | 0.04784742735754617 | 0.027476246579962945 | 0.0033676259434171755 | 0.016407140131746028 | 0 | 0.17542357188943256 | #DIV/0! | 0.026010419079152164 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00796303373236733 | 0.00047632303380692835 | 0.027884065009577935 | 0 | 0 | 0 | #DIV/0! | 0.008748768769597744 Total | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activitésept. 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486 200 | Industrie alimentaire | 1441830.9485499999 | 1209.3326299999999 | 604415.94 | 905028.224 | 2187482.25 | 402011.535 | 12429.97 | 94679.83290000001 | 0 | 5649088.0330799995 210 | Industrie des boissons | 775189.04235 | 0 | 1041130.5716 | 1278551.228 | 2919311.85 | 220837.65 | 0 | 0 | 0 | 6235020.341950001 220 | Industrie du bois | 36458.33746 | 0 | 1163.50729 | 382.958 | 0 | 3733.517 | 0 | 0 | 0 | 41738.31975 230 | Industrie chimique | 231.68579 | 0 | 13312.69546 | 264733.6 | 20854.66 | 56225.348 | 0 | 81333.3335 | 0 | 436691.32274999993 240 | Industrie du textile | 344.65772 | 0 | 402590.57766 | 1108916.659 | 8190.39 | 63787.397 | 0 | 0 | 0 | 1583829.68138 250 | Industrie pharmacie | 0 | 0 | 25387.99782 | 0 | 88417.91 | 4321.414 | 0 | 0 | 0 | 118127.32182000001 260 | Imprimerie, édition | 75288.50398000001 | 0 | 7112.42619 | 141531.13 | 170252.05 | 56677.011 | 0 | 0 | 0 | 450861.12117 270 | Sidérurgie, aciérie | 20609.96818 | 0 | 28375.25991 | 187080.826 | 0 | 275022.983 | 0 | 0 | 0 | 511089.03709 280 | Industrie de la fabrication | 31430.145510000002 | 0 | 261486.88496999998 | 1755736.334 | 390201.23 | 175938.944 | 0 | 0 | 0 | 2614793.53848 290 | Autres industries | 0 | 0 | 14286.592869999999 | 77043.858 | 1146016.45 | 132416.394 | 0 | 0 | 0 | 1369763.29487 300 | Production et distribution de l'électricité | 1026559.05192 | 0 | 334960.71611000004 | 455246.279 | 0 | 3484.422 | 0 | 89530.27228 | 0 | 1909780.74131 400 | Production et distribution de gaz | 0 | 0 | 0 | 336812.017 | 65274.55 | 127478.815 | 0 | 0 | 0 | 529565.382 500 | Traitement et distribution de l'eau | 0 | 0 | 344372.56169999996 | 270133.423 | 38715.3 | 7035.755 | 0 | 0 | 0 | 660257.0397 600 | Entrep/ batiment et corps/ métiers corresp. | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001 700 | Commerce de gros(1) | 3178016.0804000003 | 248573.93335 | 2815102.98311 | 4986794.818 | 8362650.75 | 1545884.677 | 0 | 102210.0335 | 0 | 21239233.275360003 800 | Commerce de détail(2) | 640763.91258 | 336087.6155 | 1034421.73729 | 6813508.613 | 6759646.12 | 776339.653 | 0 | 69676.70009999999 | 0 | 16430444.35147 900 | Rest/débits/boissons, casinos/activités/loterie | 97885.77997 | 34.29018 | 1929.3141799999999 | 2559.367 | 13811.87 | 17217.297 | 0 | 0 | 0 | 133437.91833 1000 | Hotels,motels et pensions | 1812083.8661300002 | 0 | 131228.54258 | 688174.233 | 872662.34 | 258048.3 | 173187.4 | 0 | 0 | 3935384.6817099997 1100 | Transport | 928436.11628 | 121958.20726000001 | 249095.21922 | 239791.074 | 349839.11 | 51131.733 | 0 | 0 | 0 | 1940251.45976 1200 | Immobilier résidentiel / Avance Hypothécaire | 2151349.1525100004 | 210231.65282 | 1755745.8927200001 | 432717.997 | 2772863.44 | 953815.529 | 3170457.8 | 0 | 0 | 11447181.46405 1300 | Immobilier commercial | 3113565.6451999997 | 51918.20269 | 1545758.7623299998 | 6064286.379 | 154866.65 | 96174.588 | 903162.52 | 0 | 0 | 11929732.74722 1400 | Télécommunications | 1319651.38919 | 0 | 13542.6569 | 50764.484 | 1073933.85 | 34344.56 | 0 | 0 | 0 | 2492236.94009 1500 | Services financiers | 158746.44713 | 0 | 167426.26632 | 592574.02 | 1036533.41 | 1869972.489 | 0 | 58134.25836 | 0 | 3883386.89081 1510 | Services professionnels | 350305.10968 | 7730.82381 | 288521.98436 | 95522.377 | 312725.89 | 293957.064 | 0 | 0 | 0 | 1348763.2488499999 1520 | Services médicaux | 1156.79087 | 0 | 13260.4141 | 3919.212 | 42439.21 | 40933.645 | 0 | 0 | 0 | 101709.27197 1530 | Services d'agence ou de représentation | 1420.9521599999998 | 775.39098 | 14905.35161 | 20135.457 | 18054.57 | 2333.098 | 0 | 0 | 0 | 57624.819749999995 1540 | Services d'enseignement | 184749.22172 | 0 | 26109.10945 | 35733.943 | 40112.33 | 5472.254 | 0 | 0 | 0 | 292176.85817 1550 | Autres services | 3385203.8818 | 9500.61441 | 164387.2754 | 139497.758 | 1091845.04 | 170677.02 | 0 | 0 | 0 | 4961111.589609999 1560 | Crédit à la consommation | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 24617365.626319997 | 1081270.13673 | 13760430.835709997 | 34111123.87500001 | 34006206.78 | 8501114.916 | 4325559.459999999 | 495564.43064000004 | 0 | 120898636.06039998 (1) Commerce de gros Import-export | 892104 | 40284.00969 | 971287.42856 | 1147790.135 | 1697163.46 | 150038 | 0 | 0 | 4898667.03325 Produits pétroliers | 321619 | 465185.71355 | 571905.106 | 316412.64 | 196098 | 54383.4225 | 0 | 1925603.8820500004 Produits pharmaceutiques | 0 | 22432.6165 | 54787.442 | 77043.61 | 12614 | 0 | 166877.6685 Produits alimentaires | 428392 | 8425.87964 | 425244.57588 | 1982644.661 | 2290598.14 | 780233 | 0 | 5915538.25652 Matériaux de construction | 0 | 108952.33812 | 774327.52341 | 321195.638 | 2455958.27 | 386292 | 0 | 4046725.76953 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1535900 | 90911.7059 | 156625.1252 | 908471.837 | 1525474.63 | 20609 | 47826.611 | 0 | 4285818.9091 S-Total | 3178015 | 248573.93335 | 2815102.9831 | 4986794.819 | 8362650.750000001 | 1545884 | 0 | 102210.03349999999 | 0 | 21239231.51895 (2) Commerce de détail Produits pétroliers | 140376 | 4910.85576 | 89305.22299 | 79154.028 | 247726.63 | 15655 | 54383.4225 | 631511.1592499999 Produits pharmaceutiques | 780 | 993.32416 | 4058.949 | 4014.31 | 47530 | 0 | 57376.58316 Véhicules automobiles | 47284 | 173700.51208 | 1227481.382 | 3106748.43 | 403555 | 0 | 4958769.32408 Produits alimentaires | 65371 | 621842.17585 | 524193.742 | 1321637.24 | 117717 | 15293.2776 | 0 | 2666054.43545 Librairie ,papeterie | 898 | 2978.9453 | 17697.821 | 117380.21 | 0 | 0 | 138954.9763 Appareils électro- ménagers électroni.équip. inform. | 0 | 40183.3653 | 214235.762 | 610966.3 | 132335 | 0 | 997720.4273000001 Matériaux de construction | 17764 | 30388.73357 | 133608.24 | 485030.83 | 1 | 0 | 666792.80357 Autres | 368290 | 331176.75974 | 75029.45742 | 4613078.689 | 866142.16 | 59547 | 0 | 6313264.066160001 S-Total | 640763 | 336087.6155 | 1034421.73667 | 6813508.613 | 6759646.11 | 776340 | 0 | 69676.7001 | 0 | 16430443.775270002 [Secteur d'activitésept. 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007540706108614086 | 0.0006233758253736222 | 0.04219832747838158 | 0 | 0 | 0 | 0.012903639906083146 200 | Industrie alimentaire | 0.0585696686817068 | 0.0011184370944131402 | 0.04392420173585458 | 0.02653176211128282 | 0.06432597037804638 | 0.047289271933422715 | 0.002873609787345289 | 0.1910545371017147 | 0.046725821044480274 210 | Industrie des boissons | 0.03148952061390338 | 0 | 0.07566118997510886 | 0.037481943798898056 | 0.08584644176535822 | 0.025977492620922006 | 0 | 0 | 0.05157229680271195 220 | Industrie du bois | 0.0014810007704894332 | 0 | 8.45545683773619e-05 | 1.1226777558058395e-05 | 0 | 0.00043917968841629526 | 0 | 0 | 0.00034523400023427786 230 | Industrie chimique | 9.411477796482412e-06 | 0 | 0.0009674621106667629 | 0.007760916965682941 | 0.0006132604008120425 | 0.006613879303546166 | 0 | 0.1641226215427962 | 0.0036120450732945613 240 | Industrie du textile | 1.4000593127296465e-05 | 0 | 0.029257120105224348 | 0.03250894526558603 | 0.000240849855821526 | 0.0075034154496541805 | 0 | 0 | 0.013100476010239946 250 | Industrie pharmacie | 0 | 0 | 0.0018450002127923966 | 0 | 0.002600052119073776 | 0.000508334970495063 | 0 | 0 | 0.00097707737381739 260 | Imprimerie, édition | 0.0030583493426081408 | 0 | 0.0005168752544827584 | 0.004149119522377507 | 0.005006499287069264 | 0.006667009158213807 | 0 | 0 | 0.0037292490292839485 270 | Sidérurgie, aciérie | 0.0008372125796419324 | 0 | 0.0020620909511323395 | 0.0054844521302070395 | 0 | 0.03235140163584633 | 0 | 0 | 0.004227417725661223 280 | Industrie de la fabrication | 0.0012767469105790924 | 0 | 0.019002812345919405 | 0.0514710784796738 | 0.01147441208378137 | 0.020695984672417997 | 0 | 0 | 0.021627982115312454 290 | Autres industries | 0 | 0 | 0.0010382373226951985 | 0.0022586138845007487 | 0.033700214123087796 | 0.0155763561966182 | 0 | 0 | 0.011329849033083197 300 | Production et distribution de l'électricité | 0.04170060547918418 | 0 | 0.024342313122982757 | 0.013345977126647807 | 0 | 0.00040987823766997297 | 0 | 0.1806632331629926 | 0.015796544969753745 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009873964230385533 | 0.0019194892985944492 | 0.014995540733142115 | 0 | 0 | 0.0043802428154394845 500 | Traitement et distribution de l'eau | 0 | 0 | 0.025026292113348017 | 0.007919217906448998 | 0.0011384774623781195 | 0.0008276273253003513 | 0 | 0 | 0.005461244735384284 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03208289727742347 | 0.06781857571852187 | 0.1012561674678196 | 0.08822648280450418 | 0.02219087723844041 | 0.06709529992665729 | 0 | 0 | 0.054516512478331065 700 | Commerce de gros(1) | 0.12909651376352718 | 0.22989068587591124 | 0.2045795670731809 | 0.14619262725772617 | 0.24591542373724282 | 0.18184493354989015 | 0 | 0.20624973702814015 | 0.17567802224624812 800 | Commerce de détail(2) | 0.02602893917677846 | 0.31082668806187813 | 0.07517364460751835 | 0.19974447743111773 | 0.1987768339977141 | 0.09132209841544979 | 0 | 0.14060068841102163 | 0.13590264445383388 900 | Rest/débits/boissons, casinos/activités/loterie | 0.003976289805166807 | 3.1712870664958056e-05 | 0.00014020739634061416 | 7.503027485634258e-05 | 0.00040615732561278037 | 0.0020252987014203537 | 0 | 0 | 0.001103717317897081 1000 | Hotels,motels et pensions | 0.07360998303541406 | 0 | 0.009536659436523305 | 0.02017448136630766 | 0.025661854779793818 | 0.030354642014581608 | 0.04003815034830201 | 0 | 0.03255110901122088 1100 | Transport | 0.03771468200022791 | 0.1127916171150612 | 0.01810228343821674 | 0.007029703122028838 | 0.010287507579520752 | 0.006014709071131912 | 0 | 0 | 0.01604858022377247 1200 | Immobilier résidentiel | 0.08739152617572758 | 0.19443027757687548 | 0.1275938169147746 | 0.012685539139246547 | 0.08153992175424865 | 0.11219887490343392 | 0.7329590147397952 | 0 | 0.09468412413131842 1300 | Immobilier commercial | 0.12647842553352207 | 0.048015940629796854 | 0.11233360210776012 | 0.1777803159234078 | 0.004554070114373397 | 0.011313173501394415 | 0.20879669516784316 | 0 | 0.09867549491013283 1400 | Télécommunications | 0.05360652350952924 | 0 | 0.0009841739013618058 | 0.0014882090717979893 | 0.03158052460680826 | 0.004040006556711743 | 0 | 0 | 0.020614268459115608 1500 | Services financiers | 0.006448555444140376 | 0 | 0.012167225599180253 | 0.017371870307512697 | 0.030480712438930833 | 0.21996791097136137 | 0 | 0.11730918275333466 | 0.032121014904335984 1510 | Services professionnels | 0.014229999870719979 | 0.00714976169912518 | 0.020967510959849472 | 0.0028003292225152452 | 0.009196141516845767 | 0.03457864843665878 | 0 | 0 | 0.011156149422365433 1520 | Services médicaux | 4.6990847337588436e-05 | 0 | 0.0009636627121868603 | 0.00011489542280582508 | 0.0012479842363647474 | 0.004815091362070467 | 0 | 0 | 0.0008412772491427188 1530 | Services d'agence ou de représentation | 5.772153615335547e-05 | 0.0007171112506121309 | 0.0010832038464463477 | 0.0005902900494802296 | 0.0005309198440391299 | 0.0002744461194859115 | 0 | 0 | 0.0004766374677809525 1540 | Services d'enseignement | 0.007504833154140296 | 0 | 0.0018974049404211731 | 0.0010475744842341403 | 0.0011795590804791313 | 0.0006437101549704542 | 0 | 0 | 0.002416709300376481 1550 | Autres services | 0.137512840861439 | 0.00878653177154412 | 0.011946375615899684 | 0.00408950929061114 | 0.03210722816171736 | 0.020077015978076918 | 0 | 0 | 0.041035298257057824 1560 | Crédit à la consommation | 0.12577676155971604 | 0.018422660335595788 | 0.07000563805532156 | 0.12116807080722429 | 0.05528028933546348 | 0.033578768411039794 | 0.015332529956714552 | 0 | 0.08638931953229056 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.03623880855253637 | 0.037256193731409024 | 0.07058553908351406 | 0.03364855814209082 | 0.04990746162839159 | 0.01764921442452361 | 0 | 0 | 0.040518794858882164 Produits pétroliers | 0.013064720444990938 | 0 | 0.03380604278339791 | 0.01676594145932402 | 0.009304555549138492 | 0.023067327278557637 | 0 | 0.10974036701900934 | 0.01592742436802996 Produits pharmaceutiques | 0 | 0 | 0.0016302263183347882 | 0.0016061459071465434 | 0.002265574943375087 | 0.0014838053743114466 | 0 | 0 | 0.0013803105968592504 Produits alimentaires | 0.017402024509965388 | 0.007792575928788455 | 0.03090343470761384 | 0.058123111635529474 | 0.06735823712473468 | 0.0917800791672065 | 0 | 0 | 0.04892973526653059 Matériaux de construction | 0 | 0.10076329163172486 | 0.05627204065446306 | 0.009416155245339302 | 0.0722208826726425 | 0.04544015741664161 | 0 | 0 | 0.03347205478404478 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.062390916368316486 | 0.08407862458398889 | 0.01138228352513053 | 0.02663271489761197 | 0.04485871181896048 | 0.002424270252036198 | 0 | 0.09650937000913079 | 0.03544968784394589 S-Total | 0.1290964698758092 | 0.22989068587591122 | 0.20457956707245417 | 0.14619262728704213 | 0.24591542373724282 | 0.181844853913277 | - | 0.20624973702814015 | 0.17567800771829264 (2) Commerce de détail Produits pétroliers | 0.005702316085760007 | 0.004541747333234888 | 0.006490001952427394 | 0.0023204755225907955 | 0.00728474750514353 | 0.0018415231595723556 | 0 | 0.10974036701900934 | 0.005223476292441397 Produits pharmaceutiques | 3.168495004055398e-05 | 0 | 7.218699558608315e-05 | 0.00011899194570293235 | 0.00011804639152994058 | 0.0055910313493755396 | 0 | 0 | 0.0004745842056591534 Véhicules automobiles | 0.001920757920150711 | 0 | 0.012623188485437968 | 0.03598478274999374 | 0.09135827615525662 | 0.047470832236424274 | 0 | 0 | 0.041015924460906565 Produits alimentaires | 0.0026554831655141724 | 0 | 0.045190603642746685 | 0.015367237500614304 | 0.03886458870729716 | 0.013847242527970552 | 0 | 0.03086032139201232 | 0.022051981083707685 Librairie ,papeterie | 3.6478314277458304e-05 | 0 | 0.0002164863393862112 | 0.0005188284345263308 | 0.0034517289963970515 | 0 | 0 | 0 | 0.0011493510665461868 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.002920211276795147 | 0.006280524874673304 | 0.017966317265333057 | 0.015566781687767978 | 0 | 0 | 0.008252536668830135 Matériaux de construction | 0.0007216044263082063 | 0 | 0.002208414397254011 | 0.003916852475738018 | 0.014263008901223884 | 1.1763162948402145e-07 | 0 | 0 | 0.005515304599771297 Autres | 0.014960577244148239 | 0.30628494072864326 | 0.005452551472828119 | 0.1352367839272783 | 0.025470119781468906 | 0.007004610640885025 | 0 | 0 | 0.052219481309995465 S-Total | 0.026028902106199348 | 0.31082668806187813 | 0.07517364456246163 | 0.19974447743111773 | 0.19877683370365018 | 0.0913221392336252 | - | 0.14060068841102166 | 0.1359026396878579 [Secteur d'activitésept 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3818779.9929800006 | 584661.54885 | 3849524.7204 | 11800303.431 | 15122296.870000001 | 2322224.33 | 0 | 171886.73359999998 | 0 | 37669677.62683 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 5991552.04946 | 18041.11938 | 807768.258 | 1578116.367 | 3428184.66 | 2658611.167000001 | 173187.4 | 58134.25836 | 0 | 14713595.279200003 Industries Manufacturières ( 200 à 290 ) | 2381383.28954 | 1209.3326299999999 | 2399262.4537699996 | 5719004.817 | 6930726.79 | 1390972.193 | 12429.97 | 176013.1664 | 0 | 19011002.012339998 Prêts aux Particuliers ( 1560 ) | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5264914.79771 | 262149.85550999996 | 3301504.65505 | 6497004.376 | 2927730.09 | 1049990.117 | 4073620.32 | 0 | 0 | 23376914.211269997 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248087.50547 | 121958.20726000001 | 262637.87612 | 290555.55799999996 | 1423772.96 | 85476.293 | 0 | 0 | 0 | 4432488.39985 Bâtiments et Travaux Publics ( 600 ) | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001 Électricité, Gaz et Eau ( 300 à 500 ) | 1026559.05192 | 0 | 679333.27781 | 1062191.719 | 103989.85 | 137998.992 | 0 | 89530.27228 | 0 | 3099603.1630100003 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486 Total | 24617365.62632 | 1081270.13673 | 13760430.835709998 | 34111123.875 | 34006206.78 | 8501114.916000001 | 4325559.46 | 495564.43064000004 | 0 | 120898636.0604 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.15512545294030564 | 0.5407173739377894 | 0.2797532116806992 | 0.345937104688844 | 0.44469225773495696 | 0.27316703196533987 | 0 | 0.3468504254391617 | #DIV/0! | 0.31158066670008194 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24338721455451143 | 0.01668511759194639 | 0.05870225050684771 | 0.04626398041832329 | 0.10081055738378357 | 0.3127367637386259 | 0.040038150348302 | 0.11730918275333466 | #DIV/0! | 0.12170191293017737 Industries Manufacturières ( 200 à 290 ) | 0.09673591096985254 | 0.0011184370944131402 | 0.17435954458225394 | 0.16765805893576702 | 0.20380770001305037 | 0.16362232562955273 | 0.002873609787345288 | 0.3551771586445108 | #DIV/0! | 0.15724744820811917 Prêts aux Particuliers ( 1560 ) | 0.125776761559716 | 0.018422660335595788 | 0.07000563805532155 | 0.12116807080722432 | 0.05528028933546348 | 0.03357876841103979 | 0.015332529956714549 | 0 | #DIV/0! | 0.08638931953229055 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2138699517092496 | 0.2424462182066723 | 0.2399274190225347 | 0.1904658550626544 | 0.08609399186862204 | 0.12351204840482831 | 0.9417557099076381 | 0 | #DIV/0! | 0.1933596190414512 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09132120550975714 | 0.1127916171150612 | 0.01908645733957854 | 0.008517912193826829 | 0.041868032186329014 | 0.010054715627843654 | 0 | 0 | #DIV/0! | 0.03666284868288807 Bâtiments et Travaux Publics ( 600 ) | 0.032082897277423465 | 0.06781857571852187 | 0.10125616746781958 | 0.0882264828045042 | 0.02219087723844041 | 0.06709529992665728 | 0 | 0 | #DIV/0! | 0.05451651247833106 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04170060547918417 | 0 | 0.04936860523633077 | 0.031139159263482347 | 0.0030579667609725684 | 0.016233046296112434 | 0 | 0.1806632331629926 | #DIV/0! | 0.025638032520577513 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007540706108614085 | 0.0006233758253736223 | 0.04219832747838158 | 0 | 0 | 0 | #DIV/0! | 0.012903639906083144 Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 0.9999999999999998 | #DIV/0! | 0.9999999999999999 [Secteur d' activitéjuin 20] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999 200 | Industrie alimentaire | 1446166 | 1209.3326299999999 | 651545.9562799999 | 793172.946 | 2712546.15 | 550575.742 | 11232.94 | 161826.05697 | 0 | 6328275.123880001 210 | Industrie des boissons | 187 | 0 | 1603453.33536 | 1180348.372 | 3545963.01 | 299448.6 | 0 | 0 | 0 | 6629400.317359999 220 | Industrie du bois | 62563 | 0 | 2182.06742 | 773.525 | 0 | 4604.07 | 0 | 0 | 0 | 70122.66242000001 230 | Industrie chimique | 308 | 0 | 12822.91841 | 601363.09 | 976.22 | 68251.166 | 0 | 79706.66683 | 0 | 763428.06124 240 | Industrie du textile | 801 | 0 | 419948.56712 | 1716604.049 | 7703.9 | 276350.702 | 0 | 0 | 0 | 2421408.2181200003 250 | Industrie pharmacie | 0 | 0 | 128544.44072 | 0 | 51681.55 | 11513.829 | 0 | 0 | 0 | 191739.81972 260 | Imprimerie, édition | 95853 | 0 | 6005.12723 | 102239.726 | 113001.47 | 48125.398 | 0 | 0 | 0 | 365224.72122999997 270 | Sidérurgie, aciérie | 871 | 0 | 81486.85698000001 | 226698.564 | 0 | 218893.067 | 0 | 0 | 0 | 527949.4879800001 280 | Industrie de la fabrication | 33985 | 50.45233 | 428288.62489 | 2449521.502 | 703647.38 | 320477.775 | 0 | 0 | 0 | 3935970.7342199995 290 | Autres industries | 0 | 0 | 42085.785619999995 | 133555.365 | 894965.47 | 211928.527 | 0 | 0 | 0 | 1282535.14762 300 | Production et distribution de l'électricité | 1729544 | 0 | 334959.19423 | 1812502.799 | 0 | 6310.847 | 0 | 126020.19311 | 0 | 4009337.03334 400 | Production et distribution de gaz | 0 | 0 | 0 | 603638.716 | 81351.47 | 220064.755 | 0 | 0 | 0 | 905054.941 500 | Traitement et distribution de l'eau | 0 | 0 | 390754.08341 | 84168.318 | 35782.85 | 0 | 0 | 0 | 0 | 510705.25141 600 | Entrep/ batiment et corps/ métiers corresp. | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496 700 | Commerce de gros(1) | 3267195 | 355252.30939999997 | 3526119.0043699997 | 8472334.348 | 10351920.34 | 2482739.552 | 0 | 125005.3153 | 0 | 28580565.869069997 800 | Commerce de détail(2) | 610060 | 488227.61473000003 | 1376000.73142 | 6569841.476 | 8476138.56 | 1093342.875 | 0 | 0 | 0 | 18613611.25715 900 | Rest/débits/boissons, casinos/activités/loterie | 156013 | 34.29018 | 2751.40477 | 2998.82 | 14796.49 | 21260.707 | 0 | 0 | 0 | 197854.71195 1000 | Hotels,motels et pensions | 1908215 | 0 | 138823.57815000002 | 927154.415 | 1138830.9 | 366691.824 | 182892.34 | 0 | 0 | 4662608.05715 1100 | Transport | 2276985 | 139495.27721 | 404963.37520999997 | 308618.198 | 482920.97 | 84827.807 | 0 | 0 | 0 | 3697810.62742 1200 | Immobilier résidentiel / Avance Hypothécaire | 2202905 | 244881.32452000002 | 1861197.2661 | 519811.802 | 3176117.14 | 1133566.539 | 3847947.41 | 0 | 0 | 12986426.48162 1300 | Immobilier commercial | 3450007 | 57631.9491 | 1598732.2311600002 | 6716277.417 | 3666677.43 | 160284.48 | 1394622.88 | 0 | 0 | 17044233.38726 1400 | Télécommunications | 2267603 | 0 | 21836.45346 | 65792.537 | 1211777.99 | 35307.464 | 0 | 0 | 0 | 3602317.4444600004 1500 | Services financiers | 147152 | 0 | 341596.10394999996 | 593089.45 | 754976.52 | 1785620.707 | 0 | 142453.52453999998 | 0 | 3764888.3054899997 1510 | Services professionnels | 1033745 | 7730.82381 | 295990.13444 | 112901.666 | 268725.31 | 507917.983 | 0 | 0 | 0 | 2227010.91725 1520 | Services médicaux | 1361 | 0 | 20343.73127 | 4374.659 | 2430.5 | 29265.131 | 0 | 0 | 0 | 57775.02127 1530 | Services d'agence ou de représentation | 332 | 775.39098 | 18453.79668 | 38501.762 | 27903.82 | 4358.514 | 0 | 0 | 0 | 90325.28365999999 1540 | Services d'enseignement | 184328 | 0 | 28427.56297 | 76104.427 | 29582.57 | 8420.13 | 0 | 0 | 0 | 326862.68997 1550 | Autres services | 58638 | 10374.469550000002 | 212922.66759 | 122798.496 | 1722988.91 | 216825.56 | 0 | 0 | 0 | 2344548.10314 1560 | Crédit à la consommation | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 24893714 | 1437386.05913 | 17176865.26148 | 42467615.83300001 | 42887602.28000001 | 11404122.992000002 | 5525516.96 | 635011.7567500001 | 0 | 146427835.14236003 (1) Commerce de gros Import-export | 591791 | 43655.47777 | 1043755.79298 | 1873384.304 | 2800657.33 | 131016 | 0 | 6484259.904750001 Produits pétroliers | 470304 | 0 | 317144.34985 | 2429165.901 | 543903.84 | 387526 | 98716.6297 | 0 | 4246760.72055 Produits pharmaceutiques | 0 | 0 | 30078.18817 | 71040.589 | 86306.5 | 12535 | 0 | 199960.27717000002 Produits alimentaires | 435232 | 9861.4907 | 804906.61799 | 2487432.629 | 2646321.4 | 996818 | 0 | 7380572.13769 Matériaux de construction | 0 | 180104.73089 | 1040341.75969 | 392876.018 | 3158410.67 | 822404 | 0 | 5594137.17858 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1769867 | 121630.61004 | 289892.29569 | 1218434.906 | 1116320.6 | 32612 | 26288.6856 | 0 | 4575046.09733 S-Total | 3267194 | 355252.3094 | 3526119.00437 | 8472334.347000001 | 10351920.34 | 2382911 | 0 | 125005.3153 | 0 | 28480736.31607 (2) Commerce de détail Produits pétroliers | 100898 | 4910.85576 | 65604.18463 | 26082.376 | 170636 | 29952 | 398083.41639 Produits pharmaceutiques | 1094 | 0 | 946.7156 | 4208.249 | 859.28 | 41624 | 0 | 48732.2446 Véhicules automobiles | 34804 | 0 | 270960.12985 | 1860673.37 | 4336398.03 | 552894 | 0 | 7055729.5298500005 Produits alimentaires | 113458 | 0 | 845997.42634 | 852566.569 | 1326136.93 | 169789 | 0 | 3307947.9253399996 Librairie ,papeterie | 478 | 0 | 0 | 29918.831 | 180128.02 | 0 | 0 | 210524.851 Appareils électro- ménagers électroni.équip. inform. | 30535 | 0 | 70611.37865 | 312193.331 | 686831.95 | 194703 | 0 | 1294874.6596499998 Matériaux de construction | 0 | 0 | 30770.39849 | 222624.362 | 874853.86 | 28 | 0 | 1128276.62049 Autres | 328793 | 483316.75897 | 91110.49785 | 3261574.39 | 900294.49 | 104354 | 0 | 5169443.136820001 S-Total | 610060 | 488227.61473000003 | 1376000.7314100002 | 6569841.478 | 8476138.56 | 1093344 | 0 | 0 | 0 | 18613612.38414 [Secteur d'activitéjuin 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.00736419763585553 | 0.0002212475510032948 | 0.017355681605616676 | 0 | 0 | 0 | 0.006011379296116888 200 | Industrie alimentaire | 0.05809362154638717 | 0.0008413415604795604 | 0.03793159848212381 | 0.01867712444981794 | 0.06324779203767601 | 0.0482786569722397 | 0.002032921097033426 | 0.25483946596237567 | 0.04321770596230919 210 | Industrie des boissons | 0 | 0 | 0.09334959033274984 | 0.02779408141586312 | 0.08268037431539059 | 0.026257924455046943 | 0 | 0 | 0.045274181038835716 220 | Industrie du bois | 0.0025132047391562386 | 0 | 0.00012703525275321322 | 1.8214467302374963e-05 | 0 | 0.00040371977777070247 | 0 | 0 | 0.0004788888830585071 230 | Industrie chimique | 1.2372601372378586e-05 | 0 | 0.0007465226171830114 | 0.014160509795624152 | 2.276228905562402e-05 | 0.0059847798947694816 | 0 | 0.1255199860203218 | 0.005213681268303804 240 | Industrie du textile | 3.2176797724919634e-05 | 0 | 0.024448498647873556 | 0.04042148388434113 | 0.0001796300000569768 | 0.02423252556938049 | 0 | 0 | 0.0165365295182153 250 | Industrie pharmacie | 0 | 0 | 0.007483579731411615 | 0 | 0.0012050463829287308 | 0.0010096198548609969 | 0 | 0 | 0.0013094492555570925 260 | Imprimerie, édition | 0.003850490127748716 | 0 | 0.00034960553853017674 | 0.0024074750605743516 | 0.0026348283418188793 | 0.004219999910011493 | 0 | 0 | 0.0024942301501276807 270 | Sidérurgie, aciérie | 3.49887525822784e-05 | 0 | 0.0047439888326270135 | 0.005338151425582054 | 0 | 0.019194204337637678 | 0 | 0 | 0.0036055268280564086 280 | Industrie de la fabrication | 0.0013652040832476825 | 3.5100055186660884e-05 | 0.0249340387998769 | 0.05767975088671136 | 0.01640677824342107 | 0.02810192201757341 | 0 | 0 | 0.026879935296409807 290 | Autres industries | 0 | 0 | 0.0024501435494391124 | 0.003144875509969624 | 0.020867696546825926 | 0.018583500646973727 | 0 | 0 | 0.008758820659836252 300 | Production et distribution de l'électricité | 0.06947713788308164 | 0 | 0.019500600903074157 | 0.04267964573588262 | 0 | 0.0005533829304039479 | 0 | 0.19845332274629573 | 0.0273809759561223 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014214094767498926 | 0.001896852835672211 | 0.01929694682829846 | 0 | 0 | 0.006180894091072833 500 | Traitement et distribution de l'eau | 0 | 0 | 0.022748858855304994 | 0.0019819412121222946 | 0.0008343401845219684 | 0 | 0 | 0 | 0.0034877607178545136 600 | Entrep/ batiment et corps/ métiers corresp. | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264722 | 0.1040958450642486 | 0.018413269290371712 | 0.0831068693896808 | 0 | 0 | 0.06286858394109307 700 | Commerce de gros(1) | 0.13124578357411834 | 0.2471516313543641 | 0.20528303335286108 | 0.1995010593793792 | 0.24137325916276423 | 0.2177054345820054 | 0 | 0.19685511956468196 | 0.19518533372622363 800 | Commerce de détail(2) | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094284172 | 0.15470238550323373 | 0.1976361024955858 | 0.0958725958819438 | 0 | 0 | 0.12711798435764265 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006267164473730195 | 2.385592915848555e-05 | 0.00016018084371716918 | 7.061427728348546e-05 | 0.00034500623055115675 | 0.00186430004437118 | 0 | 0 | 0.0013512097051605095 1000 | Hotels,motels et pensions | 0.07665449197335521 | 0 | 0.008082008913542507 | 0.021832033581681377 | 0.026553848652226396 | 0.032154320350388586 | 0.03309958892968451 | 0 | 0.03184236147872377 1100 | Transport | 0.09146827186975796 | 0.09704788516902109 | 0.02357609313721236 | 0.007267142078651474 | 0.011260153152119742 | 0.007438345505349841 | 0 | 0 | 0.025253467852098716 1200 | Immobilier résidentiel | 0.08849242021499885 | 0.1703657294883034 | 0.10835488535116067 | 0.012240192716353846 | 0.07405676631824985 | 0.09939971182310096 | 0.6963959097141202 | 0 | 0.08868823655689739 1300 | Immobilier commercial | 0.13858948487959652 | 0.0400949687343445 | 0.09307473784202284 | 0.15815056450098688 | 0.08549504367395937 | 0.01405495890498898 | 0.25239681465026215 | 0 | 0.11640022793951206 1400 | Télécommunications | 0.09109138957730453 | 0 | 0.0012712711619721072 | 0.0015492401847733363 | 0.02825473856264272 | 0.0030960262375956662 | 0 | 0 | 0.024601316006330056 1500 | Services financiers | 0.005911211159572252 | 0 | 0.019886987453761235 | 0.013965687462471866 | 0.01760360756637757 | 0.15657676686340666 | 0 | 0.22433210570632472 | 0.025711561615520035 1510 | Services professionnels | 0.04152634677171916 | 0.005378390698097629 | 0.017231906400510286 | 0.0026585355402096366 | 0.006265804001948508 | 0.04453810111977087 | 0 | 0 | 0.015208931519644853 1520 | Services médicaux | 5.4672436583789785e-05 | 0 | 0.001184368099784881 | 0.00010301164579624491 | 5.667138918450163e-05 | 0.0025661886512912484 | 0 | 0 | 0.00039456310484840525 1530 | Services d'agence ou de représentation | 1.3336700180615877e-05 | 0.0005394451790281849 | 0.0010743401894979978 | 0.0009066146343464309 | 0.0006506267199976467 | 0.00038218756523912447 | 0 | 0 | 0.0006168586974749983 1540 | Services d'enseignement | 0.007404600213531818 | 0 | 0.001654991323344095 | 0.0017920579130053743 | 0.000689769733613562 | 0.000738340861976561 | 0 | 0 | 0.0022322442290580724 1550 | Autres services | 0.0023555344132257646 | 0.007217594385379882 | 0.012395897874770549 | 0.002891579703529715 | 0.040174521735935095 | 0.019012909642600596 | 0 | 0 | 0.016011628532652852 1560 | Crédit à la consommation | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155034 | 0.0895348396517553 | 0.0438390285314873 | 0.02537575938132253 | 0.016074765608899696 | 0 | 0.06968553181524241 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999924880634526 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999999 | 1 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.023772708242731477 | 0.030371435351490155 | 0.06076520815009685 | 0.04411324410974497 | 0.06530225942022515 | 0.011488476587976804 | 0 | 0 | 0.04428297323692504 Produits pétroliers | 0.01889248024621798 | 0 | 0.018463459136587188 | 0.0572004303361995 | 0.012682076196496566 | 0.033981218921599644 | 0 | 0.0006741657390756734 | 0.02900241416818882 Produits pharmaceutiques | 0 | 0 | 0.0017510871577628242 | 0.0016728179250598994 | 0.0020123880891389384 | 0.0010991638733459214 | 0 | 0 | 0.0013655892472602268 Produits alimentaires | 0.017483610521113885 | 0.006860711245501309 | 0.04685992500593483 | 0.058572457629399305 | 0.06170364532675384 | 0.08740856273641281 | 0 | 0 | 0.05040416072882907 Matériaux de construction | 0 | 0.12530017927056505 | 0.06056645050497192 | 0.009251190826086135 | 0.07364390877763939 | 0.07211462035063256 | 0 | 0 | 0.03820405575989886 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.07109694439327133 | 0.08461930548680763 | 0.01687690339750748 | 0.028690918529342052 | 0.02602898135251034 | 0.00285966750997664 | 0 | 0.04139873840217683 | 0.031244374356023567 S-Total | 0.13124574340333467 | 0.24715163135436413 | 0.2052830333528611 | 0.19950105935583184 | 0.24137325916276423 | 0.2089517099799444 | - | 0.042072904141252504 | 0.19450356749712558 (2) Commerce de détail Produits pétroliers | 0.0040531517313969305 | 0.0034165182894374054 | 0.0038193339489668555 | 0.0006141709509327423 | 0.003978678940500564 | 0.0026264185348589576 | 0 | 0 | 0.0027186321234823657 Produits pharmaceutiques | 4.394683734214991e-05 | 0 | 5.51157376848649e-05 | 9.909313055266751e-05 | 2.0035626948553203e-05 | 0.0036499080226685783 | 0 | 0 | 0.0003328072463314202 Véhicules automobiles | 0.00139810395507878 | 0 | 0.01577471358861049 | 0.043813935242254395 | 0.10111075927464974 | 0.04848193941681052 | 0 | 0 | 0.048185712251979144 Produits alimentaires | 0.0045576967743744465 | 0 | 0.04925214312748861 | 0.020075687138939927 | 0.03092121870889537 | 0.014888387306863234 | 0 | 0 | 0.022590977474494157 Librairie ,papeterie | 1.920163459739274e-05 | 0 | 0 | 0.0007045093164083674 | 0.004200002108394854 | 0 | 0 | 0 | 0.0014377379191280373 Appareils électro- ménagers électroni.équip. inform. | 0.0012266148795635717 | 0 | 0.004110841971168606 | 0.007351327002383923 | 0.016014696870109098 | 0.017073035790352686 | 0 | 0 | 0.008843090921825739 Matériaux de construction | 0 | 0 | 0.0017913861476811018 | 0.005242214747242929 | 0.02039875893010636 | 2.455252369659816e-06 | 0 | 0 | 0.007705342494431247 Autres | 0.013207872477365169 | 0.3362470060844579 | 0.0053042564206590105 | 0.07680144802161348 | 0.020991952035981244 | 0.009150550206552874 | 0 | 0 | 0.03530369162252632 S-Total | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094225953 | 0.15470238555032842 | 0.1976361024955858 | 0.09587269453047652 | - | 0 | 0.12711799205419844 [Secteur d'activitéjuin 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3877255 | 843479.9241299999 | 4902119.735789999 | 15042175.824 | 18828058.9 | 3576082.427 | 0 | 125005.3153 | 0 | 47194177.12622 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3489784 | 18914.974520000003 | 1059308.97982 | 1877923.695 | 3960235.0199999996 | 2940360.556 | 182892.34 | 142453.52453999998 | 0 | 13671873.089879999 Industries Manufacturières ( 200 à 290 ) | 1640734 | 1259.78496 | 3376363.6800300004 | 7204277.139 | 8030485.149999999 | 2010168.876 | 11232.94 | 241532.7238 | 0 | 22516054.293789998 Prêts aux Particuliers ( 1560 ) | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5652912 | 302513.27362 | 3459929.49726 | 7236089.2190000005 | 6842794.57 | 1293851.019 | 5242570.29 | 0 | 0 | 30030659.868880004 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4544588 | 139495.27721 | 426799.82866999996 | 374410.735 | 1694698.96 | 120135.27100000001 | 0 | 0 | 0 | 7300128.07188 Bâtiments et Travaux Publics ( 600 ) | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496 Électricité, Gaz et Eau ( 300 à 500 ) | 1729544 | 0 | 725713.27764 | 2500309.833 | 117134.32 | 226375.602 | 0 | 126020.19311 | 0 | 5425097.225750001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999 Total | 24893714 | 1437386.05913 | 17176865.261480004 | 42467615.833 | 42887602.279999994 | 11404122.991999997 | 5525516.96 | 635011.75675 | 0 | 146427835.14236 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.15575237186383678 | 0.5868151557282594 | 0.2853908242957027 | 0.354203444882613 | 0.43900936165835014 | 0.31357803046394933 | 0 | 0.196855119564682 | #DIV/0! | 0.32230331808386636 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14018735814189878 | 0.013159286191664182 | 0.06167068109892871 | 0.04422013475832415 | 0.09233985602983447 | 0.25783311509904494 | 0.03309958892968451 | 0.22433210570632478 | #DIV/0! | 0.09336935888308351 Industries Manufacturières ( 200 à 290 ) | 0.0659095705847669 | 0.0008764416156662214 | 0.19656460178456822 | 0.16964166689578616 | 0.18724490815717387 | 0.1762668534362647 | 0.002032921097033426 | 0.38035945198269755 | #DIV/0! | 0.15376894886070977 Prêts aux Particuliers ( 1560 ) | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155033 | 0.08953483965175532 | 0.043839028531487315 | 0.02537575938132254 | 0.016074765608899696 | 0 | #DIV/0! | 0.06968553181524242 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.22708190509459536 | 0.21046069822264787 | 0.20142962319318347 | 0.1703907572173408 | 0.15955180999220928 | 0.11345467072808998 | 0.9487927243643823 | 0 | #DIV/0! | 0.2050884644964095 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.1825596614470625 | 0.09704788516902109 | 0.02484736429918446 | 0.008816382263424814 | 0.039514891714762475 | 0.010534371742945513 | 0 | 0 | #DIV/0! | 0.04985478385842878 Bâtiments et Travaux Publics ( 600 ) | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264719 | 0.10409584506424864 | 0.01841326929037172 | 0.08310686938968083 | 0 | 0 | #DIV/0! | 0.06286858394109308 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06947713788308164 | 0 | 0.04224945975837914 | 0.05887568171550386 | 0.0027311930201941803 | 0.01985032975870242 | 0 | 0.19845332274629576 | #DIV/0! | 0.03704963076504966 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007364197635855528 | 0.00022124755100329488 | 0.017355681605616683 | 0 | 0 | 0 | #DIV/0! | 0.006011379296116889 Total | 1 | 1 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activitémars 20 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522 200 | Industrie alimentaire | 1243884 | 1209.3326299999999 | 591255.1010599999 | 573744.954 | 1913350.97 | 391296.701 | 11885.69 | 182892.25616999998 | 0 | 4909519.004860001 210 | Industrie des boissons | 237 | 0 | 1382915.18714 | 709677.07 | 3467603.26 | 429391.277 | 0 | 0 | 0 | 5989823.794139999 220 | Industrie du bois | 54956 | 0 | 2110.51323 | 6797.559 | 0 | 567.7 | 0 | 0 | 0 | 64431.772229999995 230 | Industrie chimique | 368 | 0 | 86521.49491 | 572130.459 | 3275.34 | 55801.101 | 0 | 175720.01083 | 0 | 893816.4057400001 240 | Industrie du textile | 1089 | 0 | 379969.48713 | 1489898.06 | 96966.11 | 194716.222 | 0 | 0 | 0 | 2162638.8791300002 250 | Industrie pharmacie | 0 | 0 | 104023.18229000001 | 0 | 63006.65 | 41726.361 | 0 | 0 | 0 | 208756.19329000002 260 | Imprimerie, édition | 7883 | 0 | 8332.8557 | 58010.366 | 70014.31 | 37996.96 | 0 | 0 | 0 | 182237.49169999998 270 | Sidérurgie, aciérie | 13931 | 0 | 76828.00676999999 | 260651.093 | 0 | 203752.009 | 0 | 0 | 0 | 555162.1087699999 280 | Industrie de la fabrication | 35859 | 1774.11606 | 371723.85717000003 | 1840066.652 | 597992.65 | 311674.467 | 0 | 0 | 0 | 3159090.74223 290 | Autres industries | 0 | 0 | 65068.74748 | 106219.112 | 700002.75 | 138408.013 | 0 | 0 | 0 | 1009698.62248 300 | Production et distribution de l'électricité | 1468147 | 0 | 334973.96181 | 1831110.861 | 0 | 5689.781 | 0 | 0 | 0 | 3639921.60381 400 | Production et distribution de gaz | 0 | 0 | 0 | 530272.329 | 58704.91 | 190455.47 | 0 | 0 | 0 | 779432.709 500 | Traitement et distribution de l'eau | 0 | 0 | 280873.98708 | 74228.006 | 25812.81 | 0 | 0 | 0 | 0 | 380914.80308 600 | Entrep/ batiment et corps/ métiers corresp. | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995 700 | Commerce de gros(1) | 3050434 | 320720.70177 | 3513709.63175 | 7446698.863 | 9302432.83 | 2708220.159 | 0 | 102283.6032 | 0 | 26444499.78872 800 | Commerce de détail(2) | 368952 | 441584.78372 | 1033116.95574 | 6548283.915 | 7634890.93 | 1080846.076 | 0 | 207310.4448 | 0 | 17314985.10526 900 | Rest/débits/boissons, casinos/activités/loterie | 136647 | 34.29018 | 2870.8339100000003 | 3675.73 | 18805.96 | 22522.149 | 0 | 0 | 0 | 184555.96309 1000 | Hotels,motels et pensions | 1684564 | 0 | 142952.45309 | 855133.443 | 573791.14 | 333158.647 | 180466.42 | 0 | 0 | 3770066.10309 1100 | Transport | 1978085 | 134864.90372 | 362503.81329 | 286496.299 | 1380392.25 | 69683.819 | 0 | 0 | 0 | 4212026.08501 1200 | Immobilier résidentiel / Avance Hypothécaire | 2104796 | 250441.02992 | 1864722.5311500002 | 420442.784 | 2961199.14 | 616041.379 | 3606271.25 | 0 | 0 | 11823914.114070002 1300 | Immobilier commercial | 3411022 | 57262.897229999995 | 1475138.99907 | 6200878.609 | 3286048.67 | 123629.735 | 1168931.11 | 0 | 0 | 15722912.020299999 1400 | Télécommunications | 1960364 | 0 | 25543.57482 | 64120.655 | 1295546.03 | 32723.352 | 0 | 0 | 0 | 3378297.61182 1500 | Services financiers | 242946 | 0 | 524662.68235 | 597337.366 | 571633.43 | 1968742.352 | 0 | 123167.98354 | 0 | 4028489.81389 1510 | Services professionnels | 901840 | 8865.33452 | 224556.64953 | 123251.717 | 328527.61 | 525159.309 | 0 | 0 | 0 | 2112200.62005 1520 | Services médicaux | 1555 | 0 | 17600.029739999998 | 3240.235 | 2447.3 | 34034.738 | 0 | 0 | 0 | 58877.30274 1530 | Services d'agence ou de représentation | 0 | 775.39098 | 17313.649960000002 | 34373.616 | 32420.68 | 3596.484 | 0 | 0 | 0 | 88479.82094 1540 | Services d'enseignement | 181329 | 0 | 27794.951269999998 | 51290.09 | 3440 | 8012.816 | 0 | 0 | 0 | 271866.85727 1550 | Autres services | 60421 | 9682.29822 | 144180.50582 | 148532.267 | 540518.88 | 624683.811 | 0 | 0 | 0 | 1528018.76204 1560 | Crédit à la consommation | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22873364 | 1362690.5206899997 | 16087988.99735 | 38668212.44399999 | 38749971.830000006 | 11250823.148 | 5057445.14 | 917394.4916500001 | 0 | 134967890.57169 (1) Commerce de gros Import-export | 523857 | 42953.67873 | 825024.15054 | 1672942.952 | 2569024.75 | 320665 | 0 | 5954467.53127 Produits pétroliers | 512730 | 0 | 574399.86403 | 1979765.106 | 478448.88 | 471926 | 0 | 4017269.85003 Produits pharmaceutiques | 0 | 0 | 22266.94109 | 60280.018 | 71755.66 | 22126 | 0 | 176428.61909 Produits alimentaires | 202094 | 10159.88879 | 827785.59405 | 2180680.339 | 2046832.46 | 985866 | 0 | 6253418.28184 Matériaux de construction | 0 | 157074.10927 | 1007386.5573 | 377900.272 | 3011101.13 | 873462 | 0 | 5426924.068569999 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1811753 | 110533.02498 | 256846.52474 | 1175130.176 | 1125269.95 | 34176 | 102283.6032 | 0 | 4615992.2789199995 S-Total | 3050434 | 320720.70177 | 3513709.6317499997 | 7446698.863000001 | 9302432.83 | 2708221 | 0 | 102283.6032 | 0 | 26444500.62972 (2) Commerce de détail Produits pétroliers | 106138 | 4910.85576 | 83565.46961 | 53012.978 | 172398.55 | 38736 | 195945.6 | 654707.45337 Produits pharmaceutiques | 1395 | 958.92298 | 0 | 630.36 | 37456 | 0 | 40440.28298 Véhicules automobiles | 192126 | 259941.18104 | 1885721.25 | 3544711.23 | 620888 | 0 | 6503387.661040001 Produits alimentaires | 233 | 506254.67156 | 815034.498 | 1381394.1 | 133577 | 11364.8448 | 0 | 2847858.11436 Librairie ,papeterie | 523 | 0 | 28301.578 | 158223.71 | 7 | 0 | 187055.288 Appareils électro- ménagers électroni.équip. inform. | 0 | 51156.20723 | 381709.484 | 630528.96 | 202312 | 0 | 1265706.65123 Matériaux de construction | 26402 | 31141.77092 | 200112.039 | 784380.32 | 9 | 0 | 1042045.12992 Autres | 42136 | 436673.92796 | 100098.73239 | 3184392.088 | 962623.7 | 47862 | 0 | 4773786.44835 S-Total | 368953 | 441584.78372 | 1033116.95573 | 6548283.915000001 | 7634890.930000001 | 1080847 | 0 | 207310.4448 | 0 | 17314987.029250003 [Secteur d'activitémars 20% ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828042 | 0.028598957306648444 | 0 | 0 | 0 | 0.00828841282531421 200 | Industrie alimentaire | 0.05438133192826381 | 0.0008874594866834863 | 0.036751336736828386 | 0.014837638404695017 | 0.049376835121172774 | 0.03477938421506152 | 0.0023501372078155655 | 0.19936053446435575 | 0.03637545925971366 210 | Industrie des boissons | 0 | 0 | 0.08595948116124351 | 0.01835298363035962 | 0.08948660079580759 | 0.03816532100376412 | 0 | 0 | 0.04437962072881642 220 | Industrie du bois | 0.0024026199207077717 | 0 | 0.00013118564603367406 | 0.00017579191202190557 | 0 | 5.045853023660025e-05 | 0 | 0 | 0.0004773859319952563 230 | Industrie chimique | 1.6088582335331173e-05 | 0 | 0.005378018030982725 | 0.014795885892800703 | 8.452496467272915e-05 | 0.004959734969251514 | 0 | 0.19154247428928303 | 0.006622437395694775 240 | Industrie du textile | 4.7609962399933825e-05 | 0 | 0.023618209037350055 | 0.03853030605326527 | 0.0025023530449363937 | 0.017306842302877518 | 0 | 0 | 0.01602335837042134 250 | Industrie pharmacie | 0 | 0 | 0.006465890939329622 | 0 | 0.0016259792465505901 | 0.00370873850305055 | 0 | 0 | 0.0015467100538191815 260 | Imprimerie, édition | 0.00034463666997123815 | 0 | 0.0005179550844653474 | 0.0015002081123871882 | 0.001806822216727273 | 0.0033772604457616524 | 0 | 0 | 0.0013502284945559116 270 | Sidérurgie, aciérie | 0.000609049023134507 | 0 | 0.00477548852020318 | 0.006740707069856918 | 0 | 0.01810996460612039 | 0 | 0 | 0.0041132902531000005 280 | Industrie de la fabrication | 0.001567718679246306 | 0.0013019214803825557 | 0.023105675745503686 | 0.047586028308518734 | 0.015432079605720838 | 0.02770237011995027 | 0 | 0 | 0.02340623928290564 290 | Autres industries | 0 | 0 | 0.004044554449329749 | 0.0027469361857321035 | 0.01806460022915583 | 0.012302034364890366 | 0 | 0 | 0.007481028400185933 300 | Production et distribution de l'électricité | 0.06418588013551482 | 0 | 0.020821369399567382 | 0.04735442228295006 | 0 | 0.0005057213081348134 | 0 | 0 | 0.026968796714479337 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013713391322858539 | 0.0015149665206866292 | 0.016928136501181808 | 0 | 0 | 0.005774949180123653 500 | Traitement et distribution de l'eau | 0 | 0 | 0.01745861382216667 | 0.0019196130699731296 | 0.0006661375165185506 | 0 | 0 | 0 | 0.0028222624023131783 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0392971930145474 | 0.08075695395186117 | 0.11408679525839618 | 0.0994588166848854 | 0.016814765514114694 | 0.0784583184170766 | 0 | 0.13736750575354295 | 0.06187056794196912 700 | Commerce de gros(1) | 0.13336184393340655 | 0.2353584301794385 | 0.21840577043711154 | 0.19257934081603706 | 0.24006295722770332 | 0.24071306813505697 | 0 | 0.11149358768879848 | 0.19593178552845242 800 | Commerce de détail(2) | 0.016130202798329097 | 0.32405361086419177 | 0.0642166622509609 | 0.16934540029444972 | 0.19702958658899233 | 0.09606817757082389 | 0 | 0.2259774248558406 | 0.12828966231833427 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005974066604282606 | 2.516358592018174e-05 | 0.00017844579023971744 | 9.50581826176542e-05 | 0.00048531544958286995 | 0.002001822329240296 | 0 | 0 | 0.0013674064424380305 1000 | Hotels,motels et pensions | 0.07364740927482288 | 0 | 0.008885663280447731 | 0.022114636000782808 | 0.014807524054914905 | 0.029611935288416998 | 0.03568331736763041 | 0 | 0.027933059390058995 1100 | Transport | 0.08647984616517274 | 0.09896957649027384 | 0.02253257466484539 | 0.007409090849878544 | 0.03562305170326106 | 0.006193664062027971 | 0 | 0 | 0.031207615879368922 1200 | Immobilier résidentiel | 0.09201952104640139 | 0.18378423135517882 | 0.115907745303478 | 0.010873085602518939 | 0.07641809787607269 | 0.05475522731947932 | 0.7130618622983225 | 0 | 0.08760538572535201 1300 | Immobilier commercial | 0.14912638123539676 | 0.04202193848167732 | 0.09169194479887968 | 0.16036113947548586 | 0.0848013176478224 | 0.010988505762974063 | 0.23113075429227498 | 0 | 0.11649372271954243 1400 | Télécommunications | 0.08570510223157381 | 0 | 0.0015877419374296885 | 0.0016582265108029159 | 0.033433470240538235 | 0.002908529586638917 | 0 | 0 | 0.025030380170501163 1500 | Services financiers | 0.010621349793585238 | 0 | 0.03261207366790355 | 0.01544776259996696 | 0.014751841175725571 | 0.1749865166398934 | 0 | 0.13425847294817905 | 0.029847764507738333 1510 | Services professionnels | 0.03942751927525833 | 0.00650575782644399 | 0.01395803102345413 | 0.003187416981803733 | 0.008478138034300604 | 0.04667741214058234 | 0 | 0 | 0.015649652751504452 1520 | Services médicaux | 6.798300416152168e-05 | 0 | 0.001093985689752713 | 8.379583112854176e-05 | 6.315617494475995e-05 | 0.003025088702603078 | 0 | 0 | 0.0004362319251683535 1530 | Services d'agence ou de représentation | 0 | 0.0005690147309510747 | 0.001076184845902859 | 0.0008889372905401433 | 0.0008366633179046622 | 0.00031966407725814513 | 0 | 0 | 0.0006555620048977706 1540 | Services d'enseignement | 0.007927517788813223 | 0 | 0.0017276833838323956 | 0.0013264148187423776 | 8.877425808440903e-05 | 0.0007121982004867258 | 0 | 0 | 0.002014307670649963 1550 | Autres services | 0.002641544112182187 | 0.007105280379507857 | 0.008961996794238813 | 0.0038411981731792523 | 0.013948884462969683 | 0.05552338729198199 | 0 | 0 | 0.011321350252772694 1560 | Crédit à la consommation | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977287 | 0.05319659970447002 | 0.019160517605178163 | 0.017773928833956665 | 0 | 0.07871536547781263 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 0.9999896386032242 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 (1) Commerce de gros Import-export | 0.02290249042510756 | 0.03152122809825547 | 0.051281993708219044 | 0.0432640364336155 | 0.06629746109934138 | 0.02850147013972066 | 0 | 0 | 0.044117660178642305 Produits pétroliers | 0.02241602940433248 | 0 | 0.03570364600103933 | 0.051198774933471046 | 0.012347076846894315 | 0.041945908649705495 | 0 | 0 | 0.029764633891912043 Produits pharmaceutiques | 0 | 0 | 0.0013840723718587693 | 0.0015589036624669066 | 0.0018517603139119492 | 0.0019666116611150555 | 0 | 0 | 0.0013071895718507031 Produits alimentaires | 0.008835342278468527 | 0.007455756560818763 | 0.051453639991073594 | 0.0563946508300093 | 0.052821521238251685 | 0.08762612184293841 | 0 | 0 | 0.04633263700982578 Matériaux de construction | 0 | 0.1152676318541244 | 0.06261730769867731 | 0.00977289220564002 | 0.07770589210258012 | 0.07763538618552286 | 0 | 0 | 0.0402090011600753 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.07920798182549799 | 0.08111381366623986 | 0.015965110666243464 | 0.03039008275083429 | 0.029039245626723848 | 0.0030376444061406553 | 0 | 0.11149358768879848 | 0.03420066994725796 S-Total | 0.13336184393340655 | 0.23535843017943853 | 0.2184057704371115 | 0.19257934081603706 | 0.2400629572277033 | 0.24071314288514314 | - | 0.11149358768879848 | 0.1959317917595641 (2) Commerce de détail Produits pétroliers | 0.004640244434530924 | 0.003603793880883081 | 0.005194276899602855 | 0.0013709704858163372 | 0.004448998072987759 | 0.0034429480839262764 | 0 | 0.21358924844597413 | 0.004850838600179821 Produits pharmaceutiques | 6.0987968363551595e-05 | 0 | 5.960490028666436e-05 | 0 | 1.6267366664560488e-05 | 0.003329178630512769 | 0 | 0 | 0.0002996289177278029 Véhicules automobiles | 0.008399551548254992 | 0 | 0.016157468847275896 | 0.04876670347073674 | 0.09147648533916365 | 0.05518600655547341 | 0 | 0 | 0.04818470255031244 Produits alimentaires | 1.0186520880793923e-05 | 0 | 0.03146786535243092 | 0.021077635775906316 | 0.035648905915604635 | 0.011872642405168842 | 0 | 0.012388176409866499 | 0.021100263939053877 Librairie ,papeterie | 2.2865023264614683e-05 | 0 | 0 | 0.000731908102578749 | 0.004083195484480433 | 6.221766983551202e-07 | 0 | 0 | 0.001385924364733574 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0031797763684713117 | 0.009871402370947418 | 0.01627172692579477 | 0.017981973171088725 | 0 | 0 | 0.009377835319710379 Matériaux de construction | 0.001154268344612537 | 0 | 0.0019357155779463576 | 0.005175104468296948 | 0.02024208748953818 | 7.99941469313726e-07 | 0 | 0 | 0.007720689161741798 Autres | 0.0018421426773954194 | 0.32044981698330866 | 0.006221954304325306 | 0.0823516756201672 | 0.02484191999475835 | 0.004254088733810395 | 0 | 0 | 0.03536979372004292 S-Total | 0.016130246517302833 | 0.3240536108641917 | 0.06421666225033931 | 0.16934540029444972 | 0.19702958658899233 | 0.09606825969814808 | - | 0.22597742485584063 | 0.12828967657350263 [Secteur d'activité mars 20 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2020 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3419386 | 762305.48549 | 4546826.58749 | 13994982.778 | 16937323.759999998 | 3789066.235 | 0 | 309594.048 | 0 | 43759484.89398 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3209302 | 19357.3139 | 1101931.7556699999 | 1816834.464 | 2071585 | 3519910.306 | 180466.42 | 123167.98354 | 0 | 12042555.24311 Industries Manufacturières ( 200 à 290 ) | 1358207 | 2983.44869 | 3068748.4328799997 | 5617195.324999999 | 6912212.04 | 1805330.811 | 11885.69 | 358612.267 | 0 | 19135175.01457 Prêts aux Particuliers ( 1560 ) | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5515818 | 307703.92715 | 3339861.53022 | 6621321.393 | 6247247.8100000005 | 739671.114 | 4775202.36 | 0 | 0 | 27546826.13437 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 3938449 | 134864.90372 | 388047.38811 | 350616.954 | 2675938.2800000003 | 102407.171 | 0 | 0 | 0 | 7590323.69683 Bâtiments et Travaux Publics ( 600 ) | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995 Électricité, Gaz et Eau ( 300 à 500 ) | 1468147 | 0 | 615847.94889 | 2435611.196 | 84517.72 | 196145.251 | 0 | 0 | 0 | 4800269.11589 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522 Total | 22873364 | 1362690.52069 | 16087988.99735 | 38668212.444 | 38749971.82999999 | 11250823.148 | 5057445.140000001 | 917394.49165 | 0 | 134967890.57169 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14949204673173566 | 0.5594120410436302 | 0.2826224326880724 | 0.3619247411104867 | 0.43709254381669577 | 0.33678124570588086 | 0 | 0.3374710125446392 | #DIV/0! | 0.32422144784678664 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.140307389853106 | 0.0142052165228231 | 0.0684940644757719 | 0.04698521987876146 | 0.053460296928427485 | 0.312858024670463 | 0.035683317367630404 | 0.13425847294817905 | #DIV/0! | 0.0892253349452286 Industries Manufacturières ( 200 à 290 ) | 0.05937941616283464 | 0.0021893809670660417 | 0.1907477953512699 | 0.1452664855696374 | 0.1783797952247441 | 0.1604621090609645 | 0.002350137207815565 | 0.3909030087536388 | #DIV/0! | 0.14177575817120813 Prêts aux Particuliers ( 1560 ) | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977285 | 0.05319659970447004 | 0.019160517605178163 | 0.017773928833956662 | 0 | #DIV/0! | 0.07871536547781263 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24114590228179816 | 0.2258061698368561 | 0.20759969010235768 | 0.17123422507800476 | 0.16121941552389515 | 0.06574373308245339 | 0.9441926165905973 | 0 | #DIV/0! | 0.20409910844489443 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.17218494839674653 | 0.09896957649027381 | 0.02412031660227508 | 0.009067317360681459 | 0.06905652194379933 | 0.009102193648666887 | 0 | 0 | #DIV/0! | 0.056237996049870086 Bâtiments et Travaux Publics ( 600 ) | 0.0392971930145474 | 0.08075695395186115 | 0.11408679525839618 | 0.09945881668488539 | 0.0168147655141147 | 0.0784583184170766 | 0 | 0.13736750575354295 | #DIV/0! | 0.06187056794196912 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06418588013551482 | 0 | 0.03827998322173405 | 0.06298742667578172 | 0.0021811040372051805 | 0.017433857809316618 | 0 | 0 | #DIV/0! | 0.03556600829691617 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828037 | 0.028598957306648454 | 0 | 0 | 0 | #DIV/0! | 0.00828841282531421 Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1 | #DIV/0! | 1 [Secteur d' activitédec 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921 200 | Industrie alimentaire | 1234243.83326 | 1209.3326200000001 | 532436.20767 | 481002.287 | 2152123.9 | 501018.534 | 12084.56 | 176783.88416999998 | 0 | 5090902.538720001 210 | Industrie des boissons | 21.3744 | 0 | 1152266.4556 | 740915.121 | 3170160.76 | 419860.716 | 0 | 0 | 0 | 5483224.427 220 | Industrie du bois | 51309.55207 | 0 | 418.17833 | 6405.661 | 0 | 717.218 | 0 | 0 | 0 | 58850.6094 230 | Industrie chimique | 349.59389 | 0 | 77904.08155 | 519645.421 | 1585.54 | 37346.352 | 0 | 169851.18283 | 0 | 806682.17127 240 | Industrie du textile | 1320.4393799999998 | 0 | 386671.10436 | 1453026.759 | 61335.95 | 121773.474 | 0 | 0 | 0 | 2024127.72674 250 | Industrie pharmacie | 0 | 0 | 118136.23861 | 0 | 32228.46 | 43132.398 | 0 | 0 | 0 | 193497.09661 260 | Imprimerie, édition | 4900.8755 | 23.28764 | 9537.19261 | 100848.575 | 87750.21 | 51853.561 | 0 | 0 | 0 | 254913.70175 270 | Sidérurgie, aciérie | 24716.560940000003 | 0 | 83378.22409999999 | 315176.006 | 0 | 293675.148 | 0 | 0 | 0 | 716945.93904 280 | Industrie de la fabrication | 37169.08606 | 2323.28297 | 371064.52044 | 1873804.318 | 558592.08 | 319377.121 | 0 | 0 | 0 | 3162330.4084699997 290 | Autres industries | 0 | 840.0571199999999 | 39555.813740000005 | 111340.902 | 690842.56 | 166509.055 | 0 | 0 | 0 | 1009088.3878600001 300 | Production et distribution de l'électricité | 1356574.7821300002 | 0 | 334960.41272 | 2008166.366 | 0 | 5566.606 | 0 | 126020.19311 | 0 | 3831288.35996 400 | Production et distribution de gaz | 0 | 0 | 0 | 513504.298 | 60993.18 | 182462.074 | 0 | 0 | 0 | 756959.552 500 | Traitement et distribution de l'eau | 0 | 0 | 315123.88811 | 76111.31 | 28547.77 | 8988.873 | 0 | 0 | 0 | 428771.84111000004 600 | Entrep/ batiment et corps/ métiers corresp. | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873 700 | Commerce de gros(1) | 2779023.9667399996 | 311191.60852999997 | 3043943.03972 | 5973976.675 | 8800895.47 | 2600553.176 | 0 | 96031.5048 | 0 | 23605615.440789998 800 | Commerce de détail(2) | 334098.04858 | 429984.45061 | 1282746.3488599998 | 6459160.714 | 7547692.58 | 1162834.138 | 0 | 194638.5672 | 0 | 17411154.84725 900 | Rest/débits/boissons, casinos/activités/loterie | 129173.32322 | 34.29018 | 8330.80946 | 3974.507 | 20229.67 | 19428.878 | 0 | 0 | 0 | 181171.47786 1000 | Hotels,motels et pensions | 1599585.59072 | 0 | 147037.25407 | 828314.93 | 636982.95 | 329963.616 | 180985.89 | 0 | 0 | 3722870.2307900004 1100 | Transport | 2255489.34463 | 133223.39257999999 | 347356.05415 | 269344.989 | 1372416.18 | 65743.307 | 0 | 0 | 0 | 4443573.26736 1200 | Immobilier résidentiel / Avance Hypothécaire | 2070437.02245 | 251390.32571 | 1900725.0343499999 | 377596.598 | 2807317.74 | 548681.592 | 3436947.14 | 0 | 0 | 11393095.452510001 1300 | Immobilier commercial | 3418020.74521 | 58108.47088 | 1405070.4039200002 | 5913945.004 | 3330367.88 | 128430.182 | 1081134.07 | 0 | 0 | 15335076.75601 1400 | Télécommunications | 1840100.71515 | 0 | 28049.91773 | 62800.061 | 1421109.92 | 31642.205 | 0 | 0 | 0 | 3383702.81888 1500 | Services financiers | 152503.65112 | 0 | 499581.47417 | 1054270.823 | 779128.37 | 2036183.535 | 0 | 115639.3247 | 0 | 4637307.17799 1510 | Services professionnels | 846014.84866 | 24221.35504 | 198471.65184 | 115015.685 | 333482.75 | 331492.018 | 0 | 0 | 0 | 1848698.30854 1520 | Services médicaux | 1735.75035 | 0 | 15205.089119999999 | 3482.538 | 3246.19 | 36965.801 | 0 | 0 | 0 | 60635.36847 1530 | Services d'agence ou de représentation | 1547.75827 | 941.2188100000001 | 15853.94866 | 31404.003 | 35846.56 | 3705.383 | 0 | 0 | 0 | 89298.87174 1540 | Services d'enseignement | 181188.41395 | 0 | 29261.78364 | 60510.543 | 5922.73 | 8142.778 | 0 | 0 | 0 | 285026.24859 1550 | Autres services | 136784.22222999998 | 14784.18872 | 179659.43476 | 207296.649 | 543764.82 | 644101.612 | 0 | 0 | 0 | 1726390.92671 1560 | Crédit à la consommation | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22411861.882659994 | 1358752.40064 | 15522736.513929999 | 36774085.74299999 | 38477202.23999999 | 11520492.262 | 4831648.04 | 878964.6568099998 | 0 | 131775743.73904 (1) Commerce de gros Import-export | 504335 | 45175.29072 | 750056.60526 | 1832870.92 | 2614814.39 | 299758 | 0 | 0 | 0 | 6047010.20598 Produits pétroliers | 0 | 0 | 293103.2139 | 469576.47 | 340801.49 | 317675 | 0 | 0 | 0 | 1421156.1738999998 Produits pharmaceutiques | 0 | 0 | 21023.26026 | 75389.758 | 113628.76 | 20801 | 0 | 0 | 0 | 230842.77826 Produits alimentaires | 434608 | 10873.28613 | 738206.85184 | 2109016.426 | 3177523.28 | 1033613 | 0 | 0 | 0 | 7503840.84397 Matériaux de construction | 0 | 148083.45181 | 936942.35047 | 389853.841 | 1304946.19 | 893898 | 0 | 0 | 0 | 3673723.83328 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1840081 | 107059.57987 | 304610.75799 | 1097269.259 | 1249181.39 | 34807 | 0 | 96031.5048 | 0 | 4729040.49166 S-Total | 2779024 | 311191.60853 | 3043943.03972 | 5973976.673999999 | 8800895.5 | 2600552 | 0 | 96031.5048 | 0 | 23605614.32705 (2) Commerce de détail Produits pétroliers | 108168 | 4910.85576 | 349009.77841 | 64625.448 | 186737.81 | 41980 | 0 | 183968.4 | 939400.2921700001 Produits pharmaceutiques | 1684 | 0 | 1027.42775 | 1089.892 | 762.28 | 59965 | 0 | 0 | 0 | 64528.59975 Véhicules automobiles | 152120 | 0 | 266954.61787 | 1926279.88 | 4097126.14 | 621380 | 0 | 0 | 0 | 7063860.637870001 Produits alimentaires | 0 | 0 | 489033.84125 | 763428.564 | 920174.09 | 151549 | 0 | 10670.1672 | 0 | 2334855.66245 Librairie ,papeterie | 761 | 0 | 0 | 26137.783 | 114130.45 | 0 | 0 | 0 | 0 | 141029.233 Appareils électro- ménagers électroni.équip. inform. | 0 | 33.06631 | 47830.24295 | 306212.212 | 400532.95 | 232677 | 0 | 0 | 0 | 987285.47126 Matériaux de construction | 24788 | 0 | 31500 | 182737.385 | 749338.05 | 31 | 0 | 0 | 0 | 988394.435 Autres | 46578 | 425040.52854 | 97390.44063 | 3188649.549 | 1078890.8 | 55253 | 0 | 0 | 0 | 4891802.31817 S-Total | 334099 | 429984.45061000006 | 1282746.3488600003 | 6459160.7129999995 | 7547692.57 | 1162835 | 0 | 194638.5672 | 0 | 17411156.649670005 [Secteur d'activitédec 19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 8.728417239989429e-05 | 0.0002943986174302319 | 0.02169305306538837 | 0 | 0 | 0 | #DIV/0! | 0.006426593356111758 200 | Industrie alimentaire | 0.05507100836699925 | 0.0008900316344835012 | 0.034300408770850124 | 0.013079925096208804 | 0.05593244245192814 | 0.043489333841453516 | 0.002501125889128298 | 0.20112740916295366 | #DIV/0! | 0.03863307763833751 210 | Industrie des boissons | 0 | 0 | 0.07423088413347503 | 0.02014775095098141 | 0.08239062549886686 | 0.036444685387698066 | 0 | 0 | #DIV/0! | 0.041610271142605855 220 | Industrie du bois | 0.002289392659058732 | 0 | 2.693972996479903e-05 | 0.00017418953783832213 | 0 | 6.225584668510409e-05 | 0 | 0 | #DIV/0! | 0.0004465966780391987 230 | Industrie chimique | 1.5598609871430628e-05 | 0 | 0.005018707975883595 | 0.01413075024166754 | 4.120725800462982e-05 | 0.003241732310622336 | 0 | 0.19324005978401432 | #DIV/0! | 0.006121628672933164 240 | Industrie du textile | 5.891698721477579e-05 | 0 | 0.024909983108519815 | 0.039512246997917166 | 0.0015940854955466745 | 0.010570162388083552 | 0 | 0 | #DIV/0! | 0.01536039690846632 250 | Industrie pharmacie | 0 | 0 | 0.007610529142460502 | 0 | 0.0008375988409702006 | 0.00374397178688891 | 0 | 0 | #DIV/0! | 0.0014683817455296547 260 | Imprimerie, édition | 0.00021867328674695234 | 1.713898719813194e-05 | 0.0006144015007560934 | 0.0027423815701304467 | 0.002280576676356603 | 0.004500984838211942 | 0 | 0 | #DIV/0! | 0.0019344508671854989 270 | Sidérurgie, aciérie | 0.001102833895256295 | 0 | 0.005371361165937265 | 0.008570600726898948 | 0 | 0.025491545093839323 | 0 | 0 | #DIV/0! | 0.005440651812671932 280 | Industrie de la fabrication | 0.0016584559665146624 | 0.0017098648502153055 | 0.023904581521886247 | 0.050954477321212034 | 0.014517481715947135 | 0.027722523806856404 | 0 | 0 | #DIV/0! | 0.02399781870882452 290 | Autres industries | 0 | 0.0006182562176922859 | 0.0025482500269525857 | 0.003027700070590985 | 0.01795459440348333 | 0.014453293419520374 | 0 | 0 | #DIV/0! | 0.007657618611952836 300 | Production et distribution de l'électricité | 0.0605293210011962 | 0 | 0.021578696025627234 | 0.05460819284629687 | 0 | 0.0004831916790883393 | 0 | 0.14337344753697073 | #DIV/0! | 0.02907430647894677 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013963754302110594 | 0.0015851771035627154 | 0.015838044924681362 | 0 | 0 | #DIV/0! | 0.0057443011173515576 500 | Traitement et distribution de l'eau | 0 | 0 | 0.020300794761748998 | 0.0020696995849716782 | 0.0007419398588788874 | 0.0007802507736279229 | 0 | 0 | #DIV/0! | 0.00325379943944093 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04094264788638313 | 0.07751215969914182 | 0.11087402144431975 | 0.08445425209765223 | 0.027187557283270925 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.061519605116281156 700 | Commerce de gros(1) | 0.12399790705876712 | 0.22902745811777217 | 0.19609577454261276 | 0.16245071914907241 | 0.22873012998982548 | 0.22573281738818116 | 0 | 0.10925525168272894 | #DIV/0! | 0.17913475402223494 800 | Commerce de détail(2) | 0.014907197372945212 | 0.31645533829965533 | 0.08263661163795906 | 0.1756443588874133 | 0.19616011925507407 | 0.1009361502577085 | 0 | 0.22144072084353872 | #DIV/0! | 0.13212716053213786 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005763614102938101 | 2.5236518429589253e-05 | 0.0005366843309183268 | 0.00010807901596184629 | 0.0005257573010069249 | 0.0016864624842538695 | 0 | 0 | #DIV/0! | 0.0013748469385897002 1000 | Hotels,motels et pensions | 0.07137227594453434 | 0 | 0.009472379688855104 | 0.022524419391110793 | 0.016554814615336238 | 0.0286414511199643 | 0.03745841760444124 | 0 | #DIV/0! | 0.028251559241149322 1100 | Transport | 0.10063819581072232 | 0.09804832176726906 | 0.022377243460796042 | 0.0073243150321220495 | 0.03566829447316906 | 0.005706640437305994 | 0 | 0 | #DIV/0! | 0.03372072235205714 1200 | Immobilier résidentiel | 0.09238130385105989 | 0.1850155522018508 | 0.12244780632875538 | 0.010268007766090449 | 0.07296054745585372 | 0.04762657528184015 | 0.7113405429258047 | 0 | #DIV/0! | 0.08645821400235947 1300 | Immobilier commercial | 0.15250945071433422 | 0.04276604836365311 | 0.09051692674542916 | 0.1608182741871626 | 0.08655431492204047 | 0.011147976933557182 | 0.22376093230499464 | 0 | #DIV/0! | 0.11637253048921184 1400 | Télécommunications | 0.08210387538456507 | 0 | 0.0018070214426965372 | 0.001707725963301592 | 0.03693381631896946 | 0.00274660181877565 | 0 | 0 | #DIV/0! | 0.025677736454903736 1500 | Services financiers | 0.006804595348590459 | 0 | 0.032183853260775185 | 0.02866885203803285 | 0.020249091010833335 | 0.1767444904864257 | 0 | 0.13156311098979376 | #DIV/0! | 0.035190901196303755 1510 | Services professionnels | 0.0377485303581386 | 0.017826172765980947 | 0.012785867470074808 | 0.003127628673185802 | 0.008667021783962225 | 0.02877411923563514 | 0 | 0 | #DIV/0! | 0.0140291244510146 1520 | Services médicaux | 7.74478425348028e-05 | 0 | 0.000979536636878108 | 9.470087235718448e-05 | 8.436658101470117e-05 | 0.003208699781165653 | 0 | 0 | #DIV/0! | 0.000460140589986563 1530 | Services d'agence ou de représentation | 6.905978084745815e-05 | 0.0006927081119096216 | 0.0010213372265755315 | 0.0008539710060902821 | 0.0009316311455393388 | 0.0003216340860904091 | 0 | 0 | #DIV/0! | 0.0006776578845712426 1540 | Services d'enseignement | 0.008084487353109428 | 0 | 0.0018850918208745393 | 0.0016454669579791872 | 0.00015392829143494403 | 0.0007068081653818484 | 0 | 0 | #DIV/0! | 0.002162964446282672 1550 | Autres services | 0.006103206549556225 | 0.010880708444773565 | 0.0115739537676733 | 0.005637030664710931 | 0.014132129893652064 | 0.055909209203199584 | 0 | 0 | #DIV/0! | 0.01310097653577908 1560 | Crédit à la consommation | 0.13555105015886504 | 0.018515004019974794 | 0.08230306815834428 | 0.11139613043350163 | 0.05493769731008386 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.0825712125687394 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999990462907496 | 1 | 1 | 1.0000000000000002 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.022503038910399623 | 0.03324762532064085 | 0.04831986966904349 | 0.04984137288440651 | 0.06795749788901494 | 0.026019547878934204 | 0 | 0 | #DIV/0! | 0.04588864410399459 Produits pétroliers | 0 | 0 | 0.01888218701882694 | 0.012769222144139494 | 0.008857231559463823 | 0.027574776561227466 | 0 | 0 | #DIV/0! | 0.01078465682359846 Produits pharmaceutiques | 0 | 0 | 0.0013543527097257542 | 0.002050078376573932 | 0.0029531450673374125 | 0.00180556520736631 | 0 | 0 | #DIV/0! | 0.001751785053227594 Produits alimentaires | 0.019391873922632693 | 0.008002404356289242 | 0.04755648922968822 | 0.057350614798124644 | 0.08258197309098327 | 0.08971951688291495 | 0 | 0 | #DIV/0! | 0.05694402195012545 Matériaux de construction | 0 | 0.10898486857520892 | 0.06035935414024417 | 0.010601319737070807 | 0.03391478886277778 | 0.07759199691045285 | 0 | 0 | #DIV/0! | 0.027878604430836684 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.0821029957097704 | 0.07879255986563319 | 0.019623521775084207 | 0.029838111181563966 | 0.03246549429993069 | 0.0030213118683139824 | 0 | 0.10925525168272894 | #DIV/0! | 0.035887033208669115 S-Total | 0.12399790854280271 | 0.2290274581177722 | 0.1960957745426128 | 0.16245071912187936 | 0.22873013076950788 | 0.22573271530920974 | - | 0.10925525168272894 | #DIV/0! | 0.1791347455704519 (2) Commerce de détail Produits pétroliers | 0.004826372773771613 | 0.0036142388839106284 | 0.022483779074443544 | 0.0017573638254841334 | 0.004853206551641423 | 0.003643941512679087 | 0 | 0.2093012484343466 | #DIV/0! | 0.007128780043391951 Produits pharmaceutiques | 7.513878181191661e-05 | 0 | 6.618857113744045e-05 | 2.9637500918903546e-05 | 1.9811211720782332e-05 | 0.005205072720528859 | 0 | 0 | #DIV/0! | 0.0004896849596067405 Véhicules automobiles | 0.006787477131370995 | 0 | 0.01719765182063335 | 0.05238144854129162 | 0.1064819140031113 | 0.05393693132797835 | 0 | 0 | #DIV/0! | 0.05360516615150968 Produits alimentaires | 0 | 0 | 0.031504357547468796 | 0.020759960406230356 | 0.02391478684599913 | 0.013154733022987208 | 0 | 0.012139472409192104 | #DIV/0! | 0.017718402463155848 Librairie ,papeterie | 3.395523334849676e-05 | 0 | 0 | 0.000710766358208521 | 0.002966183697247943 | 0 | 0 | 0 | #DIV/0! | 0.0010702214914399195 Appareils électro- ménagers électroni.équip. inform. | 0 | 2.50928653952296e-07 | 0.0030813022502235647 | 0.008326847719342364 | 0.010409617297580318 | 0.020196793219286135 | 0 | 0 | #DIV/0! | 0.00749216390851988 Matériaux de construction | 0.0011060214510414425 | 0 | 0.0020292813687671704 | 0.00496918907181219 | 0.01947485800360521 | 2.690857238995991e-06 | 0 | 0 | #DIV/0! | 0.007500579446224574 Autres | 0.002078274453227703 | 0.31281676362801447 | 0.006274051005285213 | 0.08670914543693217 | 0.028039741384273797 | 0.004796062420201468 | 0 | 0 | #DIV/0! | 0.03712217574622385 S-Total | 0.014907239824572168 | 0.31643125344057904 | 0.08263661163795907 | 0.17564435886022028 | 0.19616011899517988 | 0.10093622508090011 | - | 0.22144072084353872 | #DIV/0! | 0.13212717421007245 [Secteur d'activité dec 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3113122.01532 | 741176.05914 | 4326689.38858 | 12433137.388999999 | 16348588.05 | 3763387.3140000002 | 0 | 290670.072 | 0 | 41016770.288040005 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3048533.55852 | 39981.052749999995 | 1093401.44572 | 2304269.6780000003 | 2358604.04 | 3409983.6210000003 | 180985.89 | 115639.3247 | 0 | 12551398.61069 Industries Manufacturières ( 200 à 290 ) | 1354031.3155 | 4395.96035 | 2771368.0170099996 | 5602165.05 | 6754619.460000001 | 1955263.577 | 12084.56 | 346635.067 | 0 | 18800563.00686 Prêts aux Particuliers ( 1560 ) | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5488457.767659999 | 309498.79659 | 3305795.43827 | 6291541.602 | 6137685.62 | 677111.774 | 4518081.21 | 0 | 0 | 26728172.20852 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4095590.0597800002 | 133223.39257999999 | 375405.97187999997 | 332145.05 | 2793526.0999999996 | 97385.512 | 0 | 0 | 0 | 7827276.08624 Bâtiments et Travaux Publics ( 600 ) | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873 Électricité, Gaz et Eau ( 300 à 500 ) | 1356574.7821300002 | 0 | 650084.3008300001 | 2597781.974 | 89540.95 | 197017.55299999999 | 0 | 126020.19311 | 0 | 5017019.753070001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921 Total | 22411861.88266 | 1358752.40064 | 15522736.51393 | 36774085.743 | 38477202.24000001 | 11520492.262 | 4831648.04 | 878964.65681 | 0 | 131775743.73903999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1389051044317123 | 0.5454827964174276 | 0.27873238618057183 | 0.33809507803648564 | 0.42489024924489927 | 0.32666896764588965 | 0 | 0.3306959725262676 | #DIV/0! | 0.3112619145543729 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13602321728024935 | 0.02942482584109372 | 0.0704387042026249 | 0.06266014861942887 | 0.061298740622779735 | 0.29599287456211654 | 0.03745841760444124 | 0.13156311098979376 | #DIV/0! | 0.09524817128367694 Industries Manufacturières ( 200 à 290 ) | 0.060415833480912645 | 0.0032352916895892246 | 0.17853604707668602 | 0.1523400225134456 | 0.1755486123411035 | 0.16972048871985954 | 0.002501125889128298 | 0.39436746894696795 | #DIV/0! | 0.1426708927865465 Prêts aux Particuliers ( 1560 ) | 0.13555105015886498 | 0.018515004019974794 | 0.08230306815834426 | 0.1113961304335016 | 0.054937697310083834 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.08257121256873941 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.244890754565394 | 0.2277816005655039 | 0.2129647330741845 | 0.171086281953253 | 0.1595148623778941 | 0.05877455221539734 | 0.9351014752307993 | 0 | #DIV/0! | 0.20283074449157132 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18274207119528732 | 0.09804832176726906 | 0.024184264903492573 | 0.00903204099542364 | 0.07260211079213848 | 0.008453242256081643 | 0 | 0 | #DIV/0! | 0.05939845880696088 [text truncated at 1,600,000 bytes for storage]

(2023-03) Rapports statistiques sur le système bancaire, mars 2023

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