(2023-12) Rapò estatistik sistèm bankè a, desanm 2023

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 1 2024 (1er octobre au 31 décembre 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 décembre 2023 | 39 Ratios financiers clés septembre 2023 | 40 Ratios financiers clés juin 2023 | 41 Ratios financiers clés mars 2023 | 42 Ratios financiers clés décembre 2022 | 43 Ratios financiers clés septembre 2022 | 44 Ratios financiers clés juin 2022 | 45 Ratios financiers clés mars 2022 | 46 Ratios financiers clés décembre 2021 | 47 Ratios financiers clés septembre 2021 | 48 Ratios financiers clés juin 2021 | 49 Ratios financiers clés mars 2021 | 50 Ratios financiers clés décembre 2020 | 51 Bilan au 31 décembre 2023 Gourdes et devises | 55 Devises seulement | 56 Gourdes seulement | 57 Bilan au 30 septembre 2023 Bilan au 30 juin 2023 | 58 Bilan au 31 mars 2023 | 59 Bilan au 31 décembre 2022 | 60 Bilan au 30 septembre 2022 | 61 Bilan au 30 juin 2022 | 62 Bilan au 31 mars 2022 | 63 Bilan au 31 décembre 2021 | 64 Bilan au 30 septembre 2021 | 65 Bilan au 30 juin 2021 | 66 Bilan au 31 mars 2021 | 67 Bilan au 31 décembre 2020 | 68 Résultats (Trim. 1 2024/ Trim. 1 2023) | 72 Résultats (Cumul oct.-déc. 23 / Cumul oct. -déc. 22) | 73 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 ANNEXE 1 Information sur le calcul des ratios financiers clés | 121 [Noteutili] NOTE AUX UTILISATEURS Ce rapport a été préparé par la Direction de la Supervision de la Banque de la République d'Haïti (BRH) à partir des informations périodiques soumises par les établissements bancaires. Ce rapport ne constitue pas une analyse de la performance financière des établissements bancaires effectuée par la BRH. Toute conclusion tirée de ce rapport n'engage que l'utilisateur et ne saurait en aucune manière être attribuée à la BRH. Ce rapport comporte les cinq sections suivantes : Section 1 : Graphes et tableaux Section 2 : Sommaire financier (sommaire consolidé de l'ensemble des banques) Section 3 : Sommaire financier détaillé (sommaire détaillé banque par banque) Section 4 : Statistiques par banque ( données financières et indicateurs financiers banque par banque) Section 5 : Respect des normes prudentielles Les périodes TRIM 1 2024 et TRIM 1 2023 doivent être lues comme premier trimestre de l'exercice fiscal 2023-2024 (1er octobre au 31 décembre 2023) et premier trimestre de l'exercice fiscal 2022-2023 (1er octobre au 31 décembre 2022). Les périodes CUMUL 2024 et CUMUL 2023 doivent être lues respectivement comme période cumulative allant du 1er octobre au 31 décembre 2023 et période cumulative allant du 1er octobre au 31 décembre 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 Juin 2023 | 816 | 125 | 469 | 1120 | 1300 | 760 | 74 | 18 | 0 | 4682 0 Sept. 2023 | 779 | 125 | 462 | 1103 | 1609 | 727 | 76 | 17 | 0 | 4898 Déc. 2023 | 852 | 125 | 463 | 1091 | 1577 | 734 | 73 | 16 | 0 | 4931 [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 Juin 2023 | 31507 | 189 | 584 | 23243 | 9805 | 4129 | 426 | 1 | ** | 69884 Sept. 23 | 32199 | 189 | 518 | 21469 | 10355 | 3949 | 418 | 1 | ** | 69098 Déc. 23 | 32088 | 183 | 522 | 19189 | 10826 | 3400 | 403 | 1 | ** | 66612 Mars98 | Juin 98 1327 | 1348 1050 | 1028 875 | 869 862 | 954 664 624 | 645 496 | 518 278 | 1539 171 | 186 103 12 | 22 0 | 636 0 0 | 2545 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Décembre 2023 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38986 | 3691 | 11485 | 25535 | 76243 | 12112 | 3825 | 136 | 172013 Épargne | 514881 | 10156 | 93189 | 662874 | 1239089 | 130408 | 3530 | 857 | 2654984 À Terme | 3190 | 113 | 797 | 10593 | 4365 | 622 | 745 | 5 | 20430 TOTAL | 557057 | 13960 | 105471 | 699002 | 1319697 | 143142 | 8100 | 998 | 2847427 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Septembre 2023 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38714 | 3652 | 11462 | 25852 | 77008 | 12264 | 3851 | 133 | 172936 Épargne | 515149 | 13437 | 92378 | 655828 | 1236663 | 126528 | 3541 | 901 | 2644425 À Terme | 3435 | 114 | 804 | 10590 | 4373 | 622 | 708 | 5 | 20651 TOTAL | 557298 | 17203 | 104644 | 692270 | 1318044 | 139414 | 8100 | 1039 | 2838012 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Juin 2023 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38763 | 3615 | 11425 | 26215 | 77825 | 12226 | 3842 | 136 | 174047 Épargne | 511119 | 13330 | 91270 | 649133 | 1230527 | 116633 | 3532 | 941 | 2616485 À Terme | 3500 | 115 | 802 | 10760 | 4451 | 618 | 715 | 5 | 20966 TOTAL | 553382 | 17060 | 103497 | 686108 | 1312803 | 129477 | 8089 | 1082 | 2811498 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 [dépôts P-AU-P et Prov.] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 31 Décembre 2023 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 35162163.980274476 | 1983513.9771800002 | 15295478.777979359 | 16534575 | 52528208.38638 | 80046257.47414692 | 3659471.0740500004 | 3653200 | 0 | 208862868.67001075 Épargne | 19426655.232132275 | 564953.4280099999 | 6201781.424990285 | 8562277 | 29211663.886590004 | 49950289.76614001 | 1189608.9308 | 547131 | 0 | 115654360.66866256 À terme | 9499803.569241285 | 2072045.59682 | 10921774.777650112 | 10260835 | 21435683.210780002 | 26860431.620589994 | 3182206.61493 | 4428 | 0 | 84237208.3900114 TOTAL | 64088622.78164804 | 4620513.002010001 | 32419034.98061976 | 35357687 | 103175555.48375002 | 156856978.86087692 | 8031286.61978 | 4204759 | 0 | 408754437.72868466 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 31 Décembre 2023 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 7550427.019725429 | N/A | 2235481.86800356 | 1685506 | 9365746.627729999 | 10751712.663010001 | N/A | N/A | N/A | 31588874.178468987 Épargne | 17426887.767867476 | N/A | 2582497.940718665 | 2211718 | 16295054.202629998 | 21787110.0764 | N/A | N/A | N/A | 60303267.98761614 À terme | 2376535.430758685 | N/A | 905159.955133405 | 115728 | 4570346.49627 | 1980744.0515600003 | N/A | N/A | N/A | 9948513.93372209 TOTAL | 27353850.218351588 | N/A | 5723139.7638556305 | 4012952 | 30231147.326629996 | 34519566.790970005 | N/A | N/A | N/A | 101840656.09980722 | 0 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 31 Décembre 2023 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 42712590.9999999 | 1983513.9771800002 | 17530960.64598292 | 18220081 | 61893955.01411 | 90797970.13715692 | 3659471.0740500004 | 3653200 | 0 | 240451742.84847975 Épargne | 36853542.99999975 | 564953.4280099999 | 8784279.36570895 | 10773995 | 45506718.08922 | 71737399.84254001 | 1189608.9308 | 547131 | 0 | 175957628.6562787 À terme | 11876338.99999997 | 2072045.59682 | 11826934.732783517 | 10376563 | 26006029.707050003 | 28841175.672149993 | 3182206.61493 | 4428 | 0 | 94185722.32373348 TOTAL | 91442472.99999961 | 4620513.002010001 | 38142174.74447539 | 39370639 | 133406702.81038001 | 191376545.65184692 | 8031286.61978 | 4204759 | 0 | 510595093.8284919 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 DÉCEMBRE 2023 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 16158545.2647858 | 274089.88496000005 | 1023926.2067435151 | 9840542.404450001 | 2285131.5971568953 | 1561666 | 2670033.4527200004 | 3653200 | 37467134.81081621 Place Geffrard | 0 | 0 | 0 | 3254394.3515100004 | 0 | 0 | 0 | 0 | 3254394.3515100004 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée | 1090573.7443682798 | 0 | 0 | 2501247.2793400004 | 0 | 0 | 0 | 0 | 3591821.02370828 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1090573.7443682798 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1090573.7443682798 Delmas | 2942964.457145445 | 47543.10671 | 1618147.05992392 | 6707206.936619999 | 13362342.308559999 | 1437650 | 301148.15147 | 0 | 26417002.020429365 Delmas 52 | 1904425.71533081 | 0 | 0 | 0 | 0 | 0 | 0 | 1904425.71533081 Delmas 2 | 421249.78495740995 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 421249.78495740995 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1212470 | 0 | 0 | 1212470 Delmas 32 | 617288.9568572249 | 0 | 0 | 0 | 2420846.1019099997 | 0 | 0 | 0 | 3038135.0587672247 0 | 0 | 0 | 0 | 0 | 225180 | 0 | 0 | 225180 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 301148.15147 | 0 | 301148.15147 Delmas 48 | 0 | 0 | 0 | 1152723.5012399997 | 0 | 0 | 0 | 0 | 1152723.5012399997 Delmas-Aéroport | 0 | 0 | 0 | 5554483.43538 | 0 | 0 | 0 | 0 | 5554483.43538 Delmas 16 | 0 | 0 | 0 | 0 | 3418481.6487 | 0 | 0 | 0 | 3418481.6487 Delmas 18 | 3219635.43848 | 3219635.43848 Delmas 71 | 0 | 0 | 0 | 0 | 4221461.2475 | 0 | 0 | 0 | 4221461.2475 Kiosque Mégamart | 0 | 0 | 0 | 0 | 2771.37199 | 0 | 0 | 0 | 2771.37199 Delmas 35 | 816840.1281966501 Delmas 64 | 801306.93172727 Delmas 75 | 79146.49998000001 Pétion-Ville | 7980195.136675796 | 770273.7228999999 | 5389128.6029261965 | 11922302.14562 | 26555436.80455 | 5768908 | 0 | 0 | 58386244.41267199 P-V 1 | 2896453.43781145 | 770273.7228999999 | 2360862.39386643 | 2865961.68436 | 13284818.85081 | 3285961 | 0 | 0 | 25464331.08974788 Place Boyer | 1929921.61577597 | 0 | 196031.340704365 | 0 | 0 | 1293591 | 0 | 0 | 3419543.956480335 Choucoune Plaza | 1909956.86385971 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1909956.86385971 P-V 2 | 0 | 0 | 2436348.6437124554 | 0 | 5781412.234979999 | 1189356 | 0 | 0 | 9407116.878692456 P-V 3 | 1243863.219228665 | 0 | 0 | 5941366.71819 | 4820569.905809999 | 0 | 0 | 0 | 12005799.843228664 P-V 4 | 0 | 0 | 0 | 3114973.74307 | 1600164.11174 | 0 | 0 | 0 | 4715137.8548099995 Juvénat | 395886.224642945 | 1068471.70121 Lalue | 836863.4101932349 | 0 | 431154.92653044 | 1562411.9549499997 | 2981113.25005 | 0 | 0 | 0 | 5811543.541723674 Champs de Mars | 0 | 0 | 0 | 1126272.1433799998 | 0 | 0 | 0 | 0 | 1126272.1433799998 Laboule | 0 | 0 | 0 | 0 | 491571.96131 | 285078 | 0 | 0 | 776649.9613099999 Aéroport | 0 | 212742.73665 | 231389.901729025 | 3798973.4735199995 | 1915588.8863799998 | 2293213 | 0 | 0 | 8451907.998279024 Aéroport 2 | 0 | 0 | 0 | 2569173.0787500003 | 0 | 297443 | 0 | 0 | 2866616.0787500003 Carrefour | 652072.9785359099 | 0 | 260175.19797905002 | 997287.05109 | 0 | 112761 | 0 | 0 | 2022296.2276049599 Arcachon | 189549.808807005 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 189549.808807005 Carrefour | 462523.16972890496 | 0 | 0 | 609276.1629199999 | 0 | 0 | 0 | 0 | 1071799.332648905 Truitiers | 0 | 0 | 0 | 388010.88817 | 0 | 0 | 0 | 0 | 388010.88817 Thor | 0 | 0 | 0 | 0 | 1144758.1431 | 0 | 0 | 0 | 1144758.1431 Diquini | 0 | 0 | 0 | 398159.9610499999 | 0 | 69638 | 0 | 0 | 467797.9610499999 Rue du Quai | 0 | 0 | 0 | 140075.97407 | 0 | 0 | 0 | 0 | 140075.97407 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 326359.65434 | 0 | 0 | 0 | 326359.65434 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 751775 | 0 | 0 | 751775 Parc Industriel | 2091358.616454855 | 629927.04231 | 4666073.153769171 | 0 | 0 | 0 | 0 | 0 | 7387358.812534026 Varreux | 0 | 0 | 0 | 0 | 7775196.021690001 | 239067 | 0 | 0 | 8014263.021690001 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 870223.28805 | 0 | 0 | 0 | 870223.28805 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 3345.3881800000004 | 0 | 0 | 0 | 3345.3881800000004 Canapé-Vert | 0 | 0 | 0 | 0 | 985802.05409 | 0 | 0 | 0 | 985802.05409 Rue Capois | 0 | 0 | 0 | 0 | 929633.6500799999 | 0 | 0 | 0 | 929633.6500799999 Damien | 251483.31290414502 | 0 | 137357.914837785 | 901525.8078099999 | 3034450.5968899997 | 0 | 0 | 0 | 4324817.63244193 Frères | 393114.25582866505 | 0 | 522684.97630829504 | 1912333.06639 | 2353122.18974 | 0 | 0 | 0 | 5181254.48826696 Portail Léogane | 0 | 0 | 0 | 152276.03174 | 251199.9865 | 0 | 0 | 0 | 403476.01824 Croix des Bossales | 0 | 0 | 0 | 0 | 106014.25428000001 | 0 | 0 | 0 | 106014.25428000001 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 2028071.63028 | 0 | 0 | 0 | 2028071.63028 Martissant | 0 | 0 | 0 | 754504.07952 | 977337.71273 | 0 | 0 | 0 | 1731841.79225 Nazon | 0 | 0 | 0 | 0 | 260460.52337 | 0 | 0 | 0 | 260460.52337 Croix des Bouquets | 367181.91148437 | 0 | 0 | 173881.29346000002 | 866227.0608 | 0 | 0 | 0 | 1407290.26574437 Lathan | 0 | 0 | 0 | 571863.50821 | 598217.06976 | 0 | 0 | 0 | 1170080.57797 Turgeau | 626098.7686513651 | 0 | 0 | 2502469.9815599998 | 4363580.40589 | 0 | 688289.4698600001 | 0 | 8180438.625961365 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 632325.021866615 | 48937.483649999995 | 839850.0029322151 | 741307.86334 | 2093707.38183 | 2214433 | 0 | 0 | 6570560.75361883 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1218511.92197 | 0 | 0 | 0 | 1218511.92197 Avenue Christophe | 0 | 0 | 0 | 0 | 1859913.7343499998 | 0 | 0 | 0 | 1859913.7343499998 Autres succursales non précisées | 1139387.1013800001 | 0 | 175590.83429974498 | 0 | 408939.99821999995 | 1502943 | 0 | 0 | 3226860.9338997453 TOTAL | 35162163.980274476 | 1983513.9771800002 | 15295478.777979359 | 52528208.38638 | 80046257.47414692 | 16534575 | 3659471.0740500004 | 3653200 | 208862868.67001075 VILLES DE PROVINCES Aquin | 119224.000574785 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 119224.000574785 Jacmel | 423099.926820955 | 0 | 0 | 792234.6977600001 | 633234.2545599999 | 166840 | 0 | 0 | 2015408.879140955 Hinche | 653743.03216702 | 0 | 0 | 160977.26461 | 1420953.0301299999 | 181438 | 0 | 0 | 2417111.32690702 Cap-Haïtien | 617745.3404314001 | 0 | 1137425.185419435 | 2034315.17222 | 2500844.2018 | 574659 | 0 | 0 | 6864988.899870835 Cap-Haïtien 1 | 617745.3404314001 | 0 | 581143.29636151 | 1105121.07899 | 1874725.2614699998 | 508150 | 0 | 0 | 4686884.97725291 Cap-Haïtien 2 | 0 | 0 | 556281.889057925 | 929194.09323 | 626118.94033 | 66509 | 0 | 0 | 2178103.922617925 Cayes | 1146289.6050309301 | 0 | 204959.117950255 | 1457209.58969 | 1606064.3328600002 | 431494 | 0 | 0 | 4846016.645531186 Cayes 1 | 882454.587427485 | 0 | 204959.117950255 | 0 | 1207440.1908200001 | 0 | 0 | 0 | 2294853.89619774 Cayes 2 | 263835.017603445 | 0 | 0 | 0 | 398624.14204 | 0 | 0 | 0 | 662459.1596434449 Cabaret | 354075.033345495 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 354075.033345495 Cap Saint-Michel | 0 | 0 | 0 | 203344.46658 | 0 | 0 | 0 | 0 | 203344.46658 Ouanaminthe | 140067.78571171503 | 0 | 82313.001152865 | 227706.44285999998 | 298387.25843 | 0 | 0 | 0 | 748474.48815458 Fort-Liberté | 402031.727640275 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 402031.727640275 Gonaïves | 472014.152746395 | 0 | 188332.10134042002 | 692290.6831 | 718267.9730400001 | 169790 | 0 | 0 | 2240694.9102268154 Port-de-Paix | 803519.078711365 | 0 | 159071.80881586502 | 188086.3639 | 408279.64095 | 0 | 0 | 0 | 1558956.8923772299 Petit-Goave | 122569.05433574501 | 0 | 0 | 140078.7026 | 269090.48642000003 | 0 | 0 | 0 | 531738.243355745 Miragoane | 270037.236342405 | 0 | 0 | 283314.37844 | 277337.89942000003 | 0 | 0 | 0 | 830689.5142024051 Mirebalais | 0 | 0 | 0 | 504410.29559999995 | 477093.63314 | 0 | 0 | 0 | 981503.9287399999 Jérémie | 335985.97324231005 | 0 | 0 | 435502.62581 | 418307.50889 | 0 | 0 | 0 | 1189796.10794231 La Gonave | 0 | 0 | 0 | 0 | 183980.04614 | 0 | 0 | 0 | 183980.04614 Léogane | 628376.16818871 | 0 | 0 | 905446.3041899999 | 391440.95487 | 0 | 0 | 0 | 1925263.4272487098 Fonds-des-Nègres | 119426.49869791999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 119426.49869791999 Limbé | 0 | 0 | 0 | 0 | 91910.81842 | 0 | 0 | 0 | 91910.81842 Vertières | 251581.23657021005 | 0 | 0 | 374493.51878999994 | 311406.85392 | 58867 | 0 | 0 | 996348.60928021 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 483.41544799999997 St-Marc | 393378.03027464 | 0 | 463380.65332472004 | 966336.12158 | 745113.7700199999 | 102418 | 0 | 0 | 2670626.57519936 Belladerre | 296779.72344515496 TOTAL | 7550427.019725429 | 0 | 2235481.86800356 | 9365746.627729999 | 10751712.663010001 | 1685506 | 0 | 0 | 31588874.178468987 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 | 42712590.9999999 | 1983513.9771800002 | 17530960.64598292 | 61893955.01411 | 90797970.13715692 | 18220081 | 3659471.0740500004 | 3653200 | 240451742.84847975 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 DÉCEMBRE 2023 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 3068808.1617635097 | 161719.75439 | 296429.919361815 | 2769397.4644400002 | 2431415.76976 | 1024700 | 846555.67785 | 547131 | 11146157.747565325 Place Geffrard | 0 | 0 | 0 | 3022825.5713500003 | 0 | 0 | 0 | 0 | 3022825.5713500003 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 1218040.5203640151 | 0 | 0 | 1049996.37731 | 0 | 0 | 0 | 0 | 2268036.897674015 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1218040.5203640151 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1218040.5203640151 Delmas | 3455429.86385834 | 67144.38737 | 441029.88432631 | 2365178.6378800003 | 7489623.91441 | 1305158 | 40090.13175 | 0 | 15163654.81959465 Delmas 52 | 1306036.3652899251 | 0 | 0 | 0 | 0 | 0 | 0 | 1306036.3652899251 Delmas 2 | 1321457.579380445 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1321457.579380445 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 899799 | 0 | 0 | 899799 Delmas 32 | 827935.91918797 | 0 | 0 | 0 | 3177858.31421 | 0 | 0 | 0 | 4005794.23339797 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 405359 | 0 | 0 | 405359 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 40090.13175 | 0 | 40090.13175 Delmas 48 | 0 | 0 | 0 | 884239.4206699999 | 0 | 0 | 0 | 0 | 884239.4206699999 Delmas-Aéroport | 0 | 0 | 0 | 1480939.2172100001 | 0 | 0 | 0 | 0 | 1480939.2172100001 Delmas 16 | 0 | 0 | 0 | 0 | 1520388.3328699998 | 0 | 0 | 0 | 1520388.3328699998 Delmas 18 | 555789.5551900001 | 555789.5551900001 Delmas 71 | 0 | 0 | 0 | 0 | 2047214.7058700002 | 0 | 0 | 0 | 2047214.7058700002 Kiosque Mégamart | 0 | 0 | 0 | 0 | 37042.20536 | 0 | 0 | 0 | 37042.20536 Delmas 35 | 206264.47361584503 Delmas 64 | 234765.41071046502 Delmas 75 | 151330.80091 Pétion-Ville | 3887018.903111755 | 123090.32156000001 | 2405963.785383725 | 4458230.63213 | 8182150.64056 | 2404749 | 0 | 0 | 21461203.28274548 P-V 1 | 1678787.73223271 | 123090.32156000001 | 1164170.706507665 | 1517622.17768 | 4034467.07349 | 1011910 | 0 | 0 | 9530048.011470376 Place Boyer | 863640.3581686302 | 0 | 163296.30938183502 | 0 | 0 | 648127 | 0 | 0 | 1675063.667550465 Choucoune Plaza | 1166468.2221099 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1166468.2221099 P-V 2 | 0 | 0 | 725709.6970950251 | 0 | 2050554.58522 | 744712 | 0 | 0 | 3520976.282315025 P-V 3 | 178122.59060051502 | 0 | 0 | 2020993.52983 | 1307590.0103000002 | 0 | 0 | 0 | 3506706.1307305153 P-V 4 | 0 | 0 | 0 | 919614.92462 | 580162.6660399999 | 0 | 0 | 0 | 1499777.5906599998 Juvénat | 352787.07239920006 | 209376.30550999998 Lalue | 1090304.196395195 | 0 | 517384.47667991504 | 1589955.1653099998 | 2150613.07144 | 0 | 0 | 0 | 5348256.90982511 Champs de Mars | 0 | 0 | 0 | 924063.92962 | 0 | 0 | 0 | 0 | 924063.92962 Laboule | 0 | 0 | 0 | 0 | 698202.5967799999 | 568153 | 0 | 0 | 1266355.5967799998 Aéroport | 0 | 91053.2662099999 | 116509.53300109501 | 885881.17837 | 815153.0717999999 | 632088 | 0 | 0 | 2540685.049381095 Aéroport 2 | 0 | 0 | 0 | 1103988.0771299999 | 0 | 180742 | 0 | 0 | 1284730.0771299999 Carrefour | 1668574.75816563 | 0 | 646104.1395337849 | 2475777.52396 | 0 | 498013 | 0 | 0 | 5288469.421659415 Arcachon | 892037.97874942 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 892037.97874942 Carrefour | 776536.77941621 | 0 | 0 | 1445919.0550900002 | 0 | 0 | 0 | 0 | 2222455.83450621 Truitiers | 0 | 0 | 0 | 1029858.46887 | 0 | 0 | 0 | 0 | 1029858.46887 Thor | 0 | 0 | 0 | 0 | 3068528.2541400003 | 0 | 0 | 0 | 3068528.2541400003 Diquini | 0 | 0 | 0 | 900202.1581600001 | 0 | 310653 | 0 | 0 | 1210855.15816 Rue du Quai | 0 | 0 | 0 | 271212.51172 | 0 | 0 | 0 | 0 | 271212.51172 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 254141.5095 | 0 | 0 | 0 | 254141.5095 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 674862 | 0 | 0 | 674862 Parc Industriel | 1142572.46844399 | 79528.41597 | 755044.57968873 | 0 | 0 | 0 | 0 | 0 | 1977145.46410272 Varreux | 0 | 0 | 0 | 0 | 2156485.23204 | 115761 | 0 | 0 | 2272246.23204 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1046575.72664 | 0 | 0 | 0 | 1046575.72664 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 83602.21757 | 0 | 0 | 0 | 83602.21757 Canapé-Vert | 0 | 0 | 0 | 0 | 1080922.4437 | 0 | 0 | 0 | 1080922.4437 Rue Capois | 0 | 0 | 0 | 0 | 1982966.4295599998 | 0 | 0 | 0 | 1982966.4295599998 Damien | 725791.9526189652 | 0 | 139232.27396895 | 1043248.27124 | 2230212.12775 | 0 | 0 | 0 | 4138484.6255779155 Frères | 434271.84068695497 | 0 | 342528.351876565 | 1355704.2488000002 | 2404098.60523 | 0 | 0 | 0 | 4536603.04659352 Portail Léogane | 0 | 0 | 0 | 340890.14522 | 1006508.9995700001 | 0 | 0 | 0 | 1347399.14479 Croix des Bossales | 0 | 0 | 0 | 0 | 438043.48325 | 0 | 0 | 0 | 438043.48325 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 688726.4815499999 | 0 | 0 | 0 | 688726.4815499999 Martissant | 0 | 0 | 0 | 627662.19499 | 1374826.2183 | 0 | 0 | 0 | 2002488.41329 Nazon | 0 | 0 | 0 | 0 | 954719.51112 | 0 | 0 | 0 | 954719.51112 Croix des Bouquets | 1011048.3926835201 | 0 | 0 | 709471.83479 | 1793809.3029399998 | 0 | 0 | 0 | 3514329.53041352 Lathan | 0 | 0 | 0 | 1074336.8795399999 | 1289579.5750199999 | 0 | 0 | 0 | 2363916.4545599995 Turgeau | 1003047.40151948 | 0 | 0 | 1591430.76938 | 2225965.98294 | 0 | 302963.1212 | 0 | 5123407.27503948 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 721746.77252092 | 42417.28251 | 350097.96527045005 | 652210.31525 | 2014190.6935 | 657912 | 0 | 0 | 4438575.02905137 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 608554.7700599999 | 0 | 0 | 0 | 608554.7700599999 Avenue Christophe | 0 | 0 | 0 | 0 | 886720.98067 | 0 | 0 | 0 | 886720.98067 Autres succursales non précisées | 0 | 0 | 191456.51589894498 | 0 | 593952.15634 | 189486 | 0 | 0 | 974894.672238945 TOTAL | 19426655.232132275 | 564953.4280099999 | 6201781.424990285 | 29211663.886590004 | 49950289.76614001 | 8562277 | 1189608.9308 | 547131 | 115654360.66866256 VILLES DE PROVINCES Aquin | 1361729.6343419952 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1361729.6343419952 Jacmel | 820293.486714 | 0 | 0 | 1225811.8498600002 | 1374601.36428 | 248478 | 0 | 0 | 3669184.7008540006 Hinche | 779996.292588565 | 0 | 0 | 288294.50255 | 509118.28397 | 318915 | 0 | 0 | 1896324.0791085649 Cap-Haïtien | 1484979.140334295 | 0 | 880043.9208644449 | 3536520.3389299996 | 4328417.56433 | 559463 | 0 | 0 | 10789423.964458741 Cap-Haïtien 1 | 1484979.140334295 | 0 | 743821.807538945 | 2411194.56541 | 2230718.97121 | 462259 | 0 | 0 | 7332973.48449324 Cap-Haïtien 2 | 0 | 0 | 136222.1133255 | 1125325.77352 | 2097698.59312 | 97204 | 0 | 0 | 3456450.4799654996 Cayes | 1640070.4866821202 | 0 | 488880.38677235006 | 1654586.77272 | 2782504.6211900003 | 405462 | 0 | 0 | 6971504.26736447 Cayes 1 | 1237041.428295595 | 0 | 488880.38677235006 | 0 | 2023565.7494 | 0 | 0 | 0 | 3749487.564467945 Cayes 2 | 403029.058386525 | 0 | 0 | 0 | 758938.87179 | 0 | 0 | 0 | 1161967.930176525 Cabaret | 1169295.570612355 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1169295.570612355 Cap Saint-Michel | 0 | 0 | 0 | 740488.74672 | 0 | 0 | 0 | 0 | 740488.74672 Ouanaminthe | 257659.53222529 | 0 | 245602.037288745 | 573018.5875599999 | 643298.24962 | 0 | 0 | 0 | 1719578.406694035 Fort-Liberté | 451541.8420866001 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 451541.8420866001 Gonaïves | 1401192.873120155 | 0 | 465847.45211458 | 1851832.94628 | 2090984.91311 | 297663 | 0 | 0 | 6107521.184624735 Port-de-Paix | 1403818.5339806199 | 0 | 375324.89850708 | 776074.3380499999 | 1241517.3744100002 | 0 | 0 | 0 | 3796735.1449476997 Petit-Goave | 722774.63303646 | 0 | 0 | 601851.02974 | 776586.4757800001 | 0 | 0 | 0 | 2101212.13855646 Miragoane | 557932.074381475 | 0 | 0 | 907085.8506 | 921833.59127 | 0 | 0 | 0 | 2386851.5162514746 Mirebalais | 0 | 0 | 0 | 769238.3913299999 | 900555.20529 | 0 | 0 | 0 | 1669793.59662 Jérémie | 639530.962491175 | 0 | 0 | 562753.3526799999 | 794879.86342 | 0 | 0 | 0 | 1997164.178591175 La Gonave | 0 | 0 | 0 | 0 | 939438.2046800001 | 0 | 0 | 0 | 939438.2046800001 Léogane | 1458378.585558395 | 0 | 0 | 960795.07088 | 616654.02423 | 0 | 0 | 0 | 3035827.680668395 Fonds-des-Nègres | 798359.0998115999 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 798359.0998115999 Limbé | 0 | 0 | 0 | 0 | 871578.12434 | 0 | 0 | 0 | 871578.12434 Vertières | 377489.01048259495 | 0 | 0 | 241811.83134 | 1098314.38121 | 145277 | 0 | 0 | 1862892.2230325951 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 17672.061704765 St-Marc | 1774287.636702145 | 0 | 126799.24517146501 | 1604890.5933899998 | 1896827.83527 | 236460 | 0 | 0 | 5639265.310533609 Belladerre | 309886.31101287 TOTAL | 17426887.767867476 | 0 | 2582497.940718665 | 16295054.202629998 | 21787110.0764 | 2211718 | 0 | 0 | 60303267.98761614 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 | 36853542.99999975 | 564953.4280099999 | 8784279.36570895 | 45506718.08922 | 71737399.84254001 | 10773995 | 1189608.9308 | 547131 | 175957628.6562787 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 31 DÉCEMBRE 2023 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1032977.1658412201 | 134115.13877000002 | 84497.00594837 | 10217664.68529 | 5223039.947070001 | 2307409 | 2535414.83442 | 4428 | 21539545.77733959 Place Geffrard | 0 | 0 | 0 | 551411.23974 | 0 | 0 | 0 | 0 | 551411.23974 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 128457.420688995 | 0 | 0 | 311756.35036000004 | 0 | 0 | 0 | 0 | 440213.771048995 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 128457.420688995 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 128457.420688995 Delmas | 847147.554377745 | 827.04489 | 1380123.72693928 | 1863746.8643600002 | 1641882.31033 | 742933 | 334038.49840000004 | 0 | 6810698.999297025 Delmas 52 | 519010.32019140007 | 0 | 0 | 0 | 0 | 0 | 0 | 519010.32019140007 Delmas 2 | 235008.566244645 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 235008.566244645 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 550912 | 0 | 0 | 550912 Delmas 32 | 93128.66794170001 | 0 | 0 | 0 | 528460.6648500001 | 0 | 0 | 0 | 621589.3327917 Delmas 55 | 0 | 0 | 0 | 0 | 0 | 192021 | 0 | 0 | 192021 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 334038.49840000004 | 0 | 334038.49840000004 Delmas 48 | 0 | 0 | 0 | 243607.55549999996 | 0 | 0 | 0 | 0 | 243607.55549999996 Delmas-Aéroport | 0 | 0 | 0 | 1620139.3088600002 | 0 | 0 | 0 | 0 | 1620139.3088600002 Delmas 16 | 0 | 0 | 0 | 0 | 208449.61327 | 0 | 0 | 0 | 208449.61327 Delmas 18 | 120514.47714000002 | 120514.47714000002 Delmas 71 | 0 | 0 | 0 | 0 | 772914.2328699998 | 0 | 0 | 0 | 772914.2328699998 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 536811.600153435 Delmas 64 | 843312.126785845 Delmas 75 | 11543.322199999999 Pétion-Ville | 5306636.729510991 | 1936300.59961 | 7365822.93260641 | 2906775.81438 | 11823433.57568 | 3557422 | 0 | 0 | 32896391.6517874 P-V 1 | 202291.60758215497 | 1936300.59961 | 3091573.04864995 | 1789384.27452 | 3562671.06513 | 2431201 | 0 | 0 | 13013421.595492106 Place Boyer | 363067.773616095 | 0 | 3881.85725704 | 0 | 0 | 209460 | 0 | 0 | 576409.6308731351 Choucoune Plaza | 1573270.7308572403 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1573270.7308572403 P-V 2 | 0 | 0 | 3554670.7193762306 | 0 | 6602106.74418 | 916761 | 0 | 0 | 11073538.46355623 P-V 3 | 3168006.6174555 | 0 | 0 | 714396.2626 | 1560724.7543199998 | 0 | 0 | 0 | 5443127.6343755 P-V 4 | 0 | 0 | 0 | 402995.27726 | 29678.93066 | 0 | 0 | 0 | 432674.20792 Juvénat | 715697.3073231899 | 68252.08139 | 783949.3887131899 Lalue | 78541.882140145 | 0 | 70601.08626347501 | 660771.94479 | 692963.61229 | 0 | 0 | 0 | 1502878.52548362 Champs de Mars | 0 | 0 | 0 | 86800.36462000001 | 0 | 0 | 0 | 0 | 86800.36462000001 Laboule | 0 | 0 | 0 | 0 | 136545.86982 | 153167 | 0 | 0 | 289712.86982 Aéroport | 0 | 302.40259 | 92802.51405799501 | 1379522.97882 | 59469.02825 | 976672 | 0 | 0 | 2508768.923717995 Aéroport 2 | 0 | 0 | 0 | 297437.07832 | 0 | 58567 | 0 | 0 | 356004.07832 Carrefour | 228945.739126715 | 0 | 13694.934857190001 | 1244520.19945 | 0 | 85868 | 0 | 0 | 1573028.873433905 Arcachon | 94592.30482085 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 94592.30482085 Carrefour | 134353.434305865 | 0 | 0 | 1148934.16735 | 0 | 0 | 0 | 0 | 1283287.601655865 Truitiers | 0 | 0 | 0 | 95586.0321 | 0 | 0 | 0 | 0 | 95586.0321 Thor | 0 | 0 | 0 | 0 | 392001.95761000004 | 0 | 0 | 0 | 392001.95761000004 Diquini | 0 | 0 | 0 | 170297.31672 | 0 | 51350 | 0 | 0 | 221647.31672 Rue du Quai | 0 | 0 | 0 | 25927.393310000003 | 0 | 0 | 0 | 0 | 25927.393310000003 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 42162.28415 | 0 | 0 | 42162.28415 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 1369025 | 0 | 0 | 1369025 Parc Industriel | 809181.0562262001 | 500.41096 | 1786107.2821914302 | 0 | 0 | 0 | 0 | 0 | 2595788.74937763 Varreux | 0 | 0 | 0 | 0 | 647219.50939 | 2365 | 0 | 0 | 649584.50939 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 223529.10892000003 | 0 | 0 | 0 | 223529.10892000003 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 706.7067099999999 | 0 | 0 | 0 | 706.7067099999999 Canapé-Vert | 0 | 0 | 0 | 0 | 15232.36645 | 0 | 0 | 0 | 15232.36645 Rue Capois | 0 | 0 | 0 | 0 | 51979.8768 | 0 | 0 | 0 | 51979.8768 Damien | 240420.11082215 | 0 | 0 | 246604.57264 | 476842.30515 | 0 | 0 | 0 | 963866.98861215 Frères | 155093.34852871005 | 0 | 69981.94855951001 | 331326.61842 | 1192655.02002 | 0 | 0 | 0 | 1749056.9355282201 Portail Léogane | 0 | 0 | 0 | 84412.18965 | 26095.98768 | 0 | 0 | 0 | 110508.17733 Croix des Bossales | 0 | 0 | 0 | 0 | 260.60837 | 0 | 0 | 0 | 260.60837 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8749.83079 | 0 | 0 | 0 | 8749.83079 Martissant | 0 | 0 | 0 | 163642.72413999998 | 88080.27006 | 0 | 0 | 0 | 251722.99419999996 Nazon | 0 | 0 | 0 | 0 | 96829.14465 | 0 | 0 | 0 | 96829.14465 Croix des Bouquets | 183870.127354895 | 0 | 0 | 107523.70763999998 | 162596.91817 | 0 | 0 | 0 | 453990.753164895 Lathan | 0 | 0 | 0 | 131746.28410999998 | 157863.73855 | 0 | 0 | 0 | 289610.02266 Turgeau | 348257.32502249494 | 0 | 0 | 547114.33796 | 2102598.3241600003 | 0 | 312753.28211000003 | 0 | 3310723.2692524954 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 140275.109601025 | 0 | 34115.431726285 | 106680.54606000001 | 262515.70074 | 397622 | 0 | 0 | 941208.78812731 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 160741.32684 | 0 | 0 | 0 | 160741.32684 Avenue Christophe | 0 | 0 | 0 | 0 | 148944.9498 | 0 | 0 | 0 | 148944.9498 Autres succursales non précisées | 0 | 0 | 24027.91450017 | 0 | 1025491.3421400001 | 558435 | 0 | 0 | 1607954.25664017 TOTAL | 9499803.569241285 | 2072045.59682 | 10921774.777650112 | 21435683.210780002 | 26860431.620589994 | 10260835 | 3182206.61493 | 4428 | 84237208.39001137 #REF! VILLES DE PROVINCES Aquin | 196179.127656105 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 196179.127656105 Jacmel | 98332.79602753001 | 0 | 0 | 92575.72677 | 61668.68098 | 900 | 0 | 0 | 253477.20377753 Hinche | 130160.487734735 | 0 | 0 | 71557.01512000001 | 13687.12687 | 19720 | 0 | 0 | 235124.62972473502 Cap-Haïtien | 280177.198800725 | 0 | 124696.67021946501 | 2377166.53395 | 421641.36187 | 67033 | 0 | 0 | 3270714.7648401903 Cap-Haïtien 1 | 280177.198800725 | 0 | 124230.90425946501 | 793508.62774 | 207883.25783 | 62997 | 0 | 0 | 1468796.98863019 Cap-Haïtien 2 | 0 | 0 | 465.76596 | 1583657.90621 | 213758.10404 | 4036 | 0 | 0 | 1801917.7762099998 Cayes | 157158.604711775 | 0 | 26717.21107604 | 274570.86388 | 237805.49523 | 4004 | 0 | 0 | 700256.174897815 Cayes 1 | 104157.990698015 | 0 | 26717.21107604 | 0 | 194568.25657 | 0 | 0 | 0 | 325443.458344055 Cayes 2 | 53000.61401376 | 0 | 0 | 0 | 43237.238659999995 | 0 | 0 | 0 | 96237.85267376 Cabaret | 36305.724521375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36305.724521375 Cap Saint-Michel | 0 | 0 | 0 | 187688.41565 | 0 | 0 | 0 | 0 | 187688.41565 Ouanaminthe | 1650.5319880700001 | 0 | 11806.012462910001 | 2932.67925 | 22642.29173 | 0 | 0 | 0 | 39031.51543098 Fort-Liberté | 12533.936119955 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12533.936119955 Gonaïves | 203094.07145583 | 0 | 53200.065919895 | 141829.67876999997 | 219108.57749000003 | 12518 | 0 | 0 | 629750.393635725 Port-de-Paix | 86769.22263013 | 0 | 681010.8114027249 | 101509.91237 | 215531.82647 | 0 | 0 | 0 | 1084821.772872855 Petit-Goave | 31293.511994155 | 0 | 0 | 48393.584769999994 | 51392.89228 | 0 | 0 | 0 | 131079.989044155 Miragoane | 39932.57623813499 | 0 | 0 | 97361.16228 | 60833.09718 | 0 | 0 | 0 | 198126.83569813496 Mirebalais | 0 | 0 | 0 | 144741.46282 | 41722.61036 | 0 | 0 | 0 | 186464.07317999998 Jérémie | 99737.50792805498 | 0 | 0 | 33664.82544 | 29386.67693 | 0 | 0 | 0 | 162789.01029805501 La Gonave | 0 | 0 | 0 | 0 | 32124.546879999998 | 0 | 0 | 0 | 32124.546879999998 Léogane | 156052.480176835 | 0 | 0 | 331860.5252 | 109820.91593999999 | 0 | 0 | 0 | 597733.921316835 Fonds-des-Nègres | 76734.37793559 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 76734.37793559 Limbé | 0 | 0 | 0 | 0 | 40436.8024 | 0 | 0 | 0 | 40436.8024 Vertières | 405512.60668289004 | 0 | 0 | 246974.27726 | 259338.76726999998 | 11414 | 0 | 0 | 923239.6512128899 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 6368.079185805001 | 6368.079185805001 St-Marc | 326621.20804011 | 0 | 7729.18405237 | 417519.83274 | 163602.38168000002 | 139 | 0 | 0 | 915611.6065124801 Belladerre | 31921.38093088 | 31921.38093088 TOTAL | 2376535.430758685 | 0 | 905159.955133405 | 4570346.49627 | 1980744.0515600003 | 115728 | 0 | 0 | 9948513.93372209 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 | 11876338.99999997 | 2072045.59682 | 11826934.732783517 | 26006029.707050003 | 28841175.672149993 | 10376563 | 3182206.61493 | 4428 | 94185722.32373346 510595093.8284919 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 630950222.4707414 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07587745472939096 | 682756010.7690928 | 0.11890117267175074 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705 Bons B.R.H. | 1600000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.7777777777777778 | 900000 | 0.125 | 800000 | -0.8688524590163934 | 6100000 | 0.5061728395061729 | 4050000 Prêts Nets | 126356471.21989949 | 0 | 0 | 0 | 0 | 0 | 0 | -0.22351103379663645 | 162727967.45292908 | 0.08837757632406845 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012 Dépôts | 510595093.8343375 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09491368190260056 | 564139666.708994 | 0.12787037107995855 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615 Avoir des Actionnaires | 53625015.512389995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09933574718542673 | 48779470.37534565 | 0.08057370220312654 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 | 0.15092665615592596 | 34802646.32275001 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 5743434.11966864 | 0.10712719156639743 | 5187691.318052313 | 0 | 0 | 5452440.7093121745 | 0 | 0 | 5523759.741223363 | 0 | 0 | 6960962.655227186 | 5743434.11966864 | 0.10712719156639743 | 5187691.318052313 Autres revenus | 3868889.2411898365 | -0.2689293075523044 | 5292086.362040338 | 0 | 0 | 4800344.09542671 | 0 | 0 | 3444672.6428847495 | 0 | 0 | 2996482.265923959 | 3868889.2411898365 | -0.2689293075523044 | 5292086.362040338 Dot. à la provision pr créances douteuses | 979920.3727152854 | 0.06328149648728448 | 921600.13689 | 0 | 0 | 628348.5759041249 | 0 | 0 | 757275.5197752417 | 0 | 0 | 377597.4216382579 | 979920.3727152854 | 0.06328149648728448 | 921600.13689 Dépenses d'exploitation | 6264784.354023656 | 0.1756949287961267 | 5328579.889715601 | 0 | 0 | 6000261.475698506 | 0 | 0 | 6479800.382767564 | 0 | 0 | 7076727.342186629 | 6264784.354023656 | 0.1756949287961267 | 5328579.889715601 Bénéfice net | 1884234.6387687642 | -0.47405138350387227 | 3582545.0997885396 | 0 | 0 | 2985369.619761673 | 0 | 0 | 1307424.5272492922 | 0 | 0 | 2085072.4039773494 | 1884234.6387687642 | -0.47405138350387227 | 3582545.0997885396 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumul) Structure financière Avoir des actionnaires en % de l'actif | 0.08499088137634615 | 0.07144495193883076 | 0 | 0.07313753705826466 | 0 | 0.07738036926478917 | 0 | 0.08024726227101067 | 0.08499088137634615 | 0.07144495193883076 | 0.08024726227101067 | 0.07397907273039252 | 0.07699229990709759 | 0.09283398954376826 Dépôts en % de l'actif | 0.8092478228074719 | 0.8262683269144961 | 0 | 0.8243419998593368 | 0 | 0.8180666255295604 | 0 | 0.8157851700372211 | 0.8092478228074719 | 0.8262683269144961 | 0.8157851700372211 | 0.8196975677629654 | 0.8146924700293188 | 0.7831624325968863 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.08773775090068439 | 0.10937447262631271 | 0 | 0.11134241262413323 | 0 | 0.10457010194952449 | 0 | 0.0850650584764555 | 0.08773775090068439 | 0.10937447262631271 | 0.0850650584764555 | 0.06674650919428594 | 0.0560625008532209 | 0.05048908872771796 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.8470827182282726 | 0.5723920608954656 | 0 | 0.5959985117322967 | 0 | 0.651338926398179 | 0 | 0.7938214552869993 | 0.8470827182282726 | 0.5723920608954656 | 0.7938214552869993 | 0.8951093289409422 | 1.0311341084197292 | 1.0536617311481398 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.034151735287229146 | 0.16644250960435622 | 0 | 0.15007314071472166 | 0 | 0.11392599467736823 | 0 | 0.04984543795117829 | 0.034151735287229146 | 0.16644250960435622 | 0.04984543795117829 | 0.02466152296339713 | -0.006033336650386162 | -0.008848776197957842 Rentabilité ROA (rendement de l'actif) | 0.011901568917852337 | 0.02216650120420597 | 0 | 0.01726600320757312 | 0 | 0.007759881719294255 | 0 | 0.01300127077705108 | 0.011901568917852342 | 0.02216650120420597 | 0.015990419660432787 | 0.01609198724553268 | 0.018894056402956595 | 0.011456388140477728 ROE ( rendement avoir des action.) | 0.14406869769835703 | 0.30515174781371207 | 0 | 0.2388036582682123 | 0 | 0.103223666563168 | 0 | 0.16498943600368976 | 0.14406869769835712 | 0.30515174781371207 | 0.20719138403610818 | 0.2135184205617245 | 0.22593275500188215 | 0.12976089651586392 Revenus nets d'intérêts en % des revenus d'intérêt | 0.8459431221062925 | 0.8544615134988002 | 0 | 0.8433257412122186 | 0 | 0.8492505186709678 | 0 | 0.8804912704263947 | 0.8459431221062926 | 0.8544615134988002 | 0.8581686138445854 | 0.8366368653542322 | 0.8238534845742289 | 0.7704450787600935 Rendement moyen des prêts | 0.12178027234709553 | 0.0980052777411061 | 0 | 0.09902695412768145 | 0 | 0.10598596629442758 | 0 | 0.14148939094091112 | 0.12178027234709556 | 0.0980052777411061 | 0.11849612948383223 | 0.09757312636359047 | 0.10019938664732281 | 0.11306702887653855 Rendement moyen des prêts productifs | 0.13329149288472703 | 0.10757928235406083 | 0 | 0.11131011462910598 | 0 | 0.1188323363175544 | 0 | 0.15637506553232386 | 0.13329149288472705 | 0.10757928235406083 | 0.1281707420455697 | 0.10399743464962523 | 0.10586862841677029 | 0.12007769396051457 Rémunération moyenne des dépôts | 0.008130967219891013 | 0.006641663137465678 | 0 | 0.007098701005154455 | 0 | 0.007085601079601165 | 0 | 0.007211411825496683 | 0.008130967219891013 | 0.006641663137465677 | 0.007503545317516618 | 0.006981018553340822 | 0.0083099864925933 | 0.013334542446873971 Dépenses d'exploitation en % du produit net bancaire | 0.6517450692029307 | 0.5084630659520337 | 0 | 0.5852323627162406 | 0 | 0.7225120405935873 | 0 | 0.7106971113799053 | 0.6517450692029306 | 0.5084630659520337 | 0.6274923880537089 | 0.6017849612829476 | 0.5855856691805337 | 0.7006410517279876 (marge nette d'int.+autres revenus) Productivité par employé ('000 gdes) | 1340.2 | 1340.2 | 0 | 0 | 0 | 0 | 0 | 0 | 5212.926290645321 | 10728.614850969598 | 10799.125849100594 | 6722.204773947442 | 5709.007071960184 | 4869.394611425701 Productivité par Employé ('000 gdes) | 7823.642983708192 | 8568.034894301605 | 0 | 8597.723106699274 | 0 | 7399.696686557849 | 0 | 8315.194088643964 | 7823.642983708192 | 8568.034894301605 | 10799.125849100594 | 6722.204773947442 | 5709.007071960184 | 4869.394611425701 Nombre de succursales autorisées | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 139 A partir du Trim 2 1998, les prêts improductifs désignent les prêts dont le principal ou les intérêts sont dus et impayés depuis 90 jours ou plus. Avant cette date, ce rapport considérait les prêts échus depuis plus de 15 jours. [partdemarc. ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage) AU 31 Décembre 2023 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 231643904.24589664 | 0.3671349909962803 | 1 | UNIBK | 47521075.57704 | 0.3481361500261585 | 2 | UNIBK | 191376545.65769842 | 0.37481078053560485 | 1 | UNIBK | 144017022.38328844 | 0.41638823128375574 | 1 SOGEBK | 160375251.94583 | 0.2541805141423292 | 2 | SOGEBK | 34128853.800799996 | 0.25002564909866487 | 1 | SOGEBK | 133406702.81036398 | 0.26127689909540686 | 2 | SOGEBK | 92907172.188374 | 0.26861722635907936 | 2 BNC | 118424758.99841 | 0.1876927129602552 | 3 | BNC | 22829171 | 0.1672449456103803 | 3 | BNC | 91442473 | 0.17908999538814313 | 3 | BNC | 40632951 | 0.1174797417606711 | 3 CAPITALBK | 50501770 | 0.08004081495088448 | 5 | BUH | 12734010.837312054 | 0.09328849259958882 | 4 | CAPITALBK | 39370639 | 0.07710735860061711 | 5 | CAPITALBK | 29877739 | 0.0863838086018594 | 4 BUH | 47065982.14547537 | 0.07459539670367252 | 4 | CAPITALBK | 12686590 | 0.09294109078823733 | 5 | BUH | 38142174.74447539 | 0.07470141253815223 | 4 | BUH | 26427760.91287539 | 0.07640908304585996 | 5 SOGEBL | 11768408.93231563 | 0.0186518817383591 | 6 | SOGEBL | 5129677.950155631 | 0.0375796698781811 | 6 | SOGEBL | 8031286.619789716 | 0.015729267117469536 | 6 | SOGEBL | 6099317.136459716 | 0.017634608968167813 | 6 CBNA | 5782896 | 0.009165375958430963 | 7 | BPH | 1375364.4852936 | 0.010075826167204092 | 7 | BPH | 4620513.00201 | 0.009049270268760406 | 7 | CBNA | 3247051 | 0.009388014002815814 | 7 BPH | 5387250.2028136 | 0.008538312549788221 | 8 | CBNA | 96667 | 0.000708175831584889 | 8 | CBNA | 4204759 | 0.008235016455845998 | 8 | BPH | 2662967.2927599996 | 0.007699285977790739 | 8 TOTAL | 630950222.4707413 | 0.9999999999999999 | TOTAL | 136501410.6506013 | 0.9999999999999998 | TOTAL | 510595093.8343375 | 1.0000000000000002 | TOTAL | 345871980.91375756 | 1 AU 30 Septembre 2023 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 232383407.53702095 | 0.36561544769816556 | 1 | UNIBK | 51283831.03834999 | 0.3537845928725536 | 1 | UNIBK | 193362648.0297467 | 0.3729204504075883 | 1 | UNIBK | 147537339.6340167 | 0.4142384723587236 | 1 SOGEBK | 166710262.341787 | 0.2622900139385419 | 2 | SOGEBK | 38054230.792337 | 0.2625193998840984 | 2 | SOGEBK | 139060465.8677532 | 0.26819291157676806 | 2 | SOGEBK | 98515561.09349318 | 0.27660072787107565 | 2 BNC | 118159286.99713 | 0.1859033787008627 | 3 | BNC | 23438695 | 0.16169324717254493 | 3 | BNC | 92208311 | 0.17783354344709335 | 3 | BNC | 42273455 | 0.1186905732742912 | 3 CAPITALBK | 48941900 | 0.07700168815558905 | 5 | CAPITALBK | 13207089 | 0.09110989780390075 | 5 | CAPITALBK | 38194690 | 0.07366252553485403 | 4 | CAPITALBK | 29327238 | 0.08234166549130127 | 4 BUH | 45488261.80110802 | 0.07156798060452726 | 4 | BUH | 12144397.018233247 | 0.08377885325231231 | 4 | BUH | 38028696.9219254 | 0.07334239021362798 | 5 | BUH | 25725925.7796441 | 0.0722303128239181 | 5 SOGEBL | 12304824.358960003 | 0.01935953136469843 | 6 | SOGEBL | 5333683.14358 | 0.03679473395916101 | 6 | SOGEBL | 8431399.10121467 | 0.016260850699083326 | 6 | SOGEBL | 6662153.567984669 | 0.018705233017397436 | 6 CBNA | 5857140 | 0.009215205534799974 | 7 | BPH | 1399192.2574197599 | 0.009652411941914187 | 7 | BPH | 4892559.53917 | 0.009435821890029839 | 7 | CBNA | 3441799 | 0.009663489686491963 | 7 BPH | 5750073.0222397605 | 0.009046754002815 | 8 | CBNA | 96667 | 0.0006668631135149974 | 8 | CBNA | 4330332 | 0.008351506230955024 | 8 | BPH | 2681755.15236 | 0.0075295254768008085 | 8 TOTAL | 635595156.0582458 | 0.9999999999999999 | TOTAL | 144957785.24991998 | 1.0000000000000002 | TOTAL | 518509102.45981 | 0.9999999999999999 | TOTAL | 356165227.22749865 | 1 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 PREMIER TRIMESTRE DE L'EXERCICE 2023-2024 AU 31 Décembre 2023 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 211434327.2014258 | 0.3662308949140434 | 1 | UNIBK | 3577768.6067899996 | 0.37220643464396197 | 1 | UNIBK | 822123.0696699995 | 0.4363167159516867 | 1 SOGEBK | 148741994.421614 | 0.2576398754608661 | 2 | SOGEBK | 2206762.55644 | 0.2295763962150888 | 2 | BNC | 437066 | 0.23195943382380282 | 3 BNC | 106526168 | 0.18451674500913612 | 3 | BNC | 1798610 | 0.1871150118944153 | 3 | SOGEBK | 301255.44791999995 | 0.15988213024087736 | 4 CAPITALBK | 45110617 | 0.07813727246993246 | 4 | CAPITALBK | 1119588 | 0.11647423395669135 | 4 | CAPITALBK | 270862 | 0.14375173581194345 | 2 BUH | 43715042.11179142 | 0.0757199609245783 | 5 | BUH | 624018.1126284772 | 0.06491855186327669 | 8 | BUH | 31921.67274816414 | 0.016941453092605852 | 6 SOGEBL | 10661194.646379715 | 0.01846653241163066 | 6 | SOGEBL | 136577.59947000004 | 0.014208593941621444 | 5 | SOGEBL | 30857.019130600005 | 0.016376420693955212 | 5 BPH | 5946126.57887 | 0.010299440431813925 | 7 | CBNA | 95394 | 0.00992413555170707 | 6 | CBNA | 23330 | 0.012381685125608763 | 7 CBNA | 5189737 | 0.008989278377998906 | 8 | BPH | 53604.48553 | 0.005576641933237312 | 7 | BPH | -33180.57069999999 | -0.017609574740480062 | 8 TOTAL | 577325206.960081 | 1 | TOTAL | 9612323.360858478 | 0.9999999999999998 | TOTAL | 1884234.6387687635 | 1 POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2022-2023 AU 30 Septembre 2023 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 212978022.53353736 | 0.36432009249315384 | 1 | UNIBK | 3884173.0056100003 | 0.4004920520517111 | 1 | UNIBK | 810635.5975300006 | 1.0887271811405574 | 1 SOGEBK | 155613713.5806632 | 0.26619273599454596 | 2 | SOGEBK | 2555289.27692 | 0.2634725705114944 | 2 | SOGEBK | 450263.9677100001 | 0.6047287114305748 | 2 BNC | 106697763 | 0.18251713685082913 | 3 | BNC | 2058893 | 0.21228979279088697 | 3 | BNC | 406248 | 0.5456129008294882 | 4 CAPITALBK | 43777437 | 0.074885660535428 | 4 | CAPITALBK | 1079888 | 0.11134585418346915 | 4 | CAPITALBK | 130472 | 0.17523090919099907 | 3 BUH | 42852734.59611163 | 0.07330386509331753 | 5 | SOGEBL | 174532.39816404195 | 0.01799580971014086 | 8 | CBNA | 40686.19447 | 0.054643746156262635 | 6 SOGEBL | 11237233.118534671 | 0.019222405018184514 | 6 | CBNA | 110226 | 0.01136526021515849 | 5 | SOGEBL | 39835.51451774192 | 0.05350123725423967 | 8 BPH | 6134551.03807 | 0.010493759755148924 | 7 | BPH | 51994.28471000001 | 0.005361063409995704 | 6 | BPH | -33270.16109999998 | -0.044683614710313374 | 5 CBNA | 5298930 | 0.009064346850204947 | 8 | BUH | 42448.955747101805 | 0.004376856893360545 | 7 | BUH | 240201.2908496047 | 0.3226032450213673 | 7 TOTAL | 584590383.3523526 | 1.0000000025908127 | TOTAL | 9698502.094389828 | 1.0266992597662175 | TOTAL | 744571.8372538231 | 2.8003643163131753 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 | 0.3612527805482851 | 1 | UNIBK | 1424736.9001599997 | 0.6090818357466793 | 1 SOGEBK | 147297712.8812514 | 0.26067621044038575 | 2 | SOGEBK | 2447946.3556 | 0.2684134168336916 | 2 | SOGEBK | 371118.0521900002 | 0.15865474143417815 | 2 BNC | 110432051 | 0.19543418565532616 | 3 | BNC | 1366222 | 0.1498040650827405 | 3 | BNC | 230580 | 0.0985740522834058 | 3 BUH | 42009286.78726158 | 0.07434481818353188 | 4 | CAPITALBK | 998104 | 0.10944051301716969 | 4 | CAPITALBK | 152273 | 0.06509743543824725 | 4 CAPITALBK | 41094601 | 0.07272607733479071 | 5 | BUH | 653946.883037399 | 0.07170423359248336 | 5 | SOGEBL | 76670.59896855296 | 0.03277704758143021 | 5 SOGEBL | 10797166.102295268 | 0.019107997591997706 | 6 | SOGEBL | 202024.28212375296 | 0.022151640588103993 | 6 | BUH | 70459.17684318259 | 0.030121634929246317 | 6 BPH | 6005898.44184 | 0.010628779058985264 | 7 | CBNA | 90709 | 0.009946097295747181 | 7 | CBNA | 18948.994820000007 | 0.008100785870867665 | 7 CBNA | 5183000 | 0.009172476424000814 | 8 | BPH | 66460.18197 | 0.007287253041778464 | 8 | BPH | -5631.593829999991 | -0.0024075332840546647 | 8 TOTAL | 565060051.442389 | 0.9999999999999998 | TOTAL | 9120059.587471154 | 0.9999999999999998 | TOTAL | 2339155.1291517355 | 1 [partdemarc. (3)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) CUMUL 2024 (Octobre 23 - Décembre 2023) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 3577768.6067899996 | 0.37220643464396197 | 1 | UNIBK | 822123.0696699995 | 0.43631671595168653 | 1 SOGEBK | 2206762.55644 | 0.2295763962150888 | 2 | BNC | 437066 | 0.23195943382380274 | 2 BNC | 1798610 | 0.1871150118944153 | 3 | SOGEBK | 301255.44791999995 | 0.1598821302408773 | 4 CAPITALBK | 1119588 | 0.11647423395669135 | 4 | CAPITALBK | 270862 | 0.1437517358119434 | 3 BUH | 624018.1126284772 | 0.06491855186327669 | 5 | BPH | 31921.67274816414 | 0.016941453092605845 | 5 SOGEBL | 136577.59947000004 | 0.014208593941621444 | 6 | SOGEBL | 30857.019130600005 | 0.01637642069395521 | 7 CBNA | 95394 | 0.00992413555170707 | 7 | CBNA | 23330 | 0.012381685125608758 | 6 BPH | 53604.48553 | 0.005576641933237312 | 8 | BUH | -33180.57069999999 | -0.017609574740480055 | 8 TOTAL | 9612323.360858478 | 0.9999999999999998 | TOTAL | 1884234.6387687635 | 0.9999999999999996 CUMUL 2023 (Octobre 22 - Décembre 2022) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 4275363.08106 | 0.407963146888265 | 1 | UNIBK | 2209856.5451999996 | 0.6168398397358451 | 1 SOGEBK | 2553818.88754 | 0.24369017793108583 | 2 | SOGEBK | 563104.73688 | 0.15718008320767196 | 2 BNC | 1449539 | 0.13831772431141734 | 3 | CAPITALBK | 433049 | 0.12087747339888642 | 3 CAPITALBK | 1372876 | 0.13100239737030972 | 4 | BNC | 403109 | 0.11252028621322693 | 4 BUH | 561381.7727776379 | 0.053568099430585894 | 5 | SOGEBL | 36007.07039311301 | 0.010050695634016818 | 5 SOGEBL | 125708.694855013 | 0.011995358937223335 | 6 | BPH | -3617.5814599999867 | -0.0010097797401667089 | 6 CBNA | 85602 | 0.008168303051181063 | 7 | CBNA | -6439.656619999994 | -0.0017975088772448666 | 7 BPH | 55488.24386 | 0.0052947920799317405 | 8 | BUH | -52524.01460457347 | -0.014661089572235594 | 8 TOTAL | 10479777.680092651 | 1 | TOTAL | 3582545.0997885386 | 1 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 31 Décembre 2023 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 46073606.79762 | 1 | SOGEBL | 68854.73758598162 | 1 | CBNA | 4204759 | 1 | CBNA | 254833.87878787878 | 1 SOGEBK | 31430373.118939996 | 2 | SOGEBK | 31111.07912561531 | 2 | SOGEBK | 3335167.5702590994 | 2 | SOGEBK | 121610.48569768821 | 2 BNC | 19026181 | 3 | UNIBK | 29831.183664180793 | 3 | UNIBK | 3189609.0942949736 | 3 | UNIBK | 120135.9357549896 | 3 BUH | 12391495.619240273 | 5 | BNC | 27994.078479460455 | 5 | BNC | 2286061.825 | 4 | BNC | 112130.56161863887 | 4 CAPITALBK | 12235675 | 4 | BUH | 27532.996404999034 | 4 | SOGEBL | 2677095.5399299054 | 5 | SOGEBL | 107802.50496362035 | 5 SOGEBL | 4874167.84484563 | 6 | CAPITALBK | 17366.995208761124 | 7 | CAPITALBK | 1574825.56 | 6 | BUH | 82469.56701508192 | 6 BPH | 228304.83925360022 | 7 | BPH | 11002.9158823488 | 6 | BUH | 1589257.2810198078 | 7 | CAPITALBK | 53895.4674880219 | 7 CBNA | 96667 | 8 | CBNA | 5858.606060606061 | 8 | BPH | 770085.500335 | 8 | BPH | 36964.10401608 | 8 TOTAL | 126356471.2198995 AU 30 Septembre 2023 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 49966146.876399994 | 1 | SOGEBL | 71115.77524773333 | 1 | CBNA | 4330332 | 1 | CBNA | 247447.54285714286 | 1 SOGEBK | 35159796.225317 | 2 | UNIBK | 35258.73567435544 | 2 | SOGEBK | 3476511.6466938304 | 2 | UNIBK | 132940.9749259173 | 2 BNC | 19908570 | 3 | SOGEBK | 34236.824824414754 | 3 | UNIBK | 3222710.8004957787 | 3 | SOGEBK | 125110.63056028179 | 3 CAPITALBK | 12765083 | 5 | BNC | 29390.2131661442 | 5 | BNC | 2334387.620253165 | 4 | BNC | 115621.7065830721 | 4 BUH | 11906854.07882657 | 4 | BUH | 26088.93022176852 | 4 | SOGEBL | 2408971.17177562 | 5 | SOGEBL | 112418.65468286227 | 5 SOGEBL | 5065652.31197 | 6 | CAPITALBK | 17763.401479488904 | 7 | CAPITALBK | 1527787.6 | 6 | BUH | 81694.30058415768 | 6 BPH | 300528.43588976003 | 7 | BPH | 11193.53805935808 | 6 | BUH | 1584529.0384135584 | 7 | CAPITALBK | 51371.47276395427 | 7 CBNA | 96667 | 8 | CBNA | 5523.828571428571 | 8 | BPH | 815426.5898616667 | 8 | BPH | 39140.47631336 | 8 TOTAL | 135169297.92840332 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 | 3233307.384402285 | 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 1 2024 | AU 31 Décembre 2023 COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BNC | 0.5902024341018898 | 5 | CBNA | 23125.81818181818 | 1 | CBNA | 350478.54545454547 | 1 CAPITALBK | 0.6339644583543232 | 6 | UNIBK | 8983.725315229127 | 2 | SOGEBL | 157965.22056799504 | 2 UNIBK | 0.6362945091416926 | 3 | BNC | 8822.121397915389 | 3 | SOGEBK | 146194.39557505012 | 3 SOGEBK | 0.6394733280351309 | 4 | SOGEBK | 8046.536213090246 | 4 | UNIBK | 145413.62476201923 | 4 CBNA | 0.6452607082206429 | 2 | SOGEBL | 7333.025474899331 | 5 | BNC | 145217.36235243408 | 5 SOGEBL | 0.7038424926418132 | 7 | CAPITALBK | 6130.52977412731 | 6 | BUH | 101764.28571994675 | 6 BUH | 0.9139363947488544 | 8 | BUH | 5396.913406516559 | 6 | CAPITALBK | 69133.15537303218 | 7 BPH | 1.451092300596136 | 1 | BPH | 1715.34353696 | 8 | BPH | 43098.001622508804 | 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 4 2023 | AU 30 Septembre 2023 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BPH | 0 | 1 | BPH | 0 | 1 | CBNA | 0.5040353957324043 | 1 | CBNA | 25194.514285714286 | 1 | CBNA | 334693.71428571426 | 1 BNC | 0 | 2 | SCOTIA | 0 | 2 | BNC | 0.51126746266076 | 2 | UNIBK | 10681.809571976626 | 2 | SOGEBL | 164064.32478613337 | 2 SOGEBL | 0 | 3 | SOGEBL | 0 | 3 | SOGEBK | 0.5719697363508162 | 3 | BNC | 10326.73605015674 | 3 | UNIBK | 159768.58544999722 | 3 SCOTIA | 0 | 4 | SOCABK | #REF! | 4 | SOGEBL | 0.6101101926641512 | 4 | SOGEBL | 9308.394568748905 | 4 | SOGEBK | 149986.74074834638 | 4 SOCABK | #REF! | 5 | BUH | 0 | 5 | UNIBK | 0.6981800297986752 | 5 | SOGEBK | 9195.82285891138 | 5 | BNC | 148162.11535690282 | 5 CAPITALBK | 0 | 6 | BNC | 0 | 6 | CAPITALBK | 0.7948463173958781 | 6 | CAPITALBK | 5809.753866845998 | 6 | BUH | 97719.1445781053 | 6 BUH | 0 | 7 | CAPITALBK | 0 | 7 | BPH | 1.466785171396581 | 7 | BPH | 1663.8171107200003 | 7 | CAPITALBK | 65826.36180228648 | 7 PROMOBK | #REF! | 8 | SOGEBK | 0 | 8 | BUH | 17.76323878139477 | 8 | BUH | 364.76009234888767 | 8 | BPH | 46000.584177918085 | 8 BUH | 0 | 9 | UNIBK | 0 | 9 CAPITALBK | 0 | 10 | CAPITALBK | 0 | 10 SOGEBK | 0 | 11 | BICH | 11 BICH | #REF! | 12 | SOGEBK | 12 SOCABEL | #REF! | 13 | SOCABEL | 13 TRIM 4 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 | 1 | CBNA | 0 | 1 | SOGEBK | 0.4814846113615545 | 2 | SOGEBL | 10563.36115679754 | 2 | UNIBK | 162788.7660560857 | 2 BNC | 0 | 2 | BPH | 0 | 2 | UNIBK | 0.5571778377168534 | 3 | UNIBK | 9809.145916605881 | 3 | SOGEBL | 153585.62304849672 | 3 BPH | 0 | 3 | SCOTIA | 0 | 3 | CAPITALBK | 0.6816073274929266 | 4 | SOGEBK | 8284.082421658206 | 4 | BNC | 140017.06053798602 | 4 SCOTIA | 0 | 4 | BNC | 0 | 4 | CBNA | 0.7862946915962031 | 5 | BNC | 6361.918509895227 | 5 | SOGEBK | 132804.2249526988 | 5 SOGEBL | 0 | 5 | SOGEBL | 0 | 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 | 0.008390643149983825 | 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.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 28027408.22465703 | 0 | 0 | 0 | 0 | 0 | 0 | -0.028665913590826805 | 28854550.26938128 | 0.4348459059883045 | 20109859.98493449 | 0.10936239656836208 | 18127403.675427593 | 0.11268819226386657 | 16291539.535928499 Avoirs à la BRH | 233483235.36568993 | 0 | 0 | 0 | 0 | 0 | 0 | -0.013459167703636745 | 236668597.71248683 | 0.03242910831152402 | 229234720.14416966 | 0.17799247816585675 | 194597779.18199432 | 0.5581389565547891 | 124891158.36771753 Avoirs à l'étranger | 35451129.04751848 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03521839509089603 | 34245072.5524499 | -0.055013371180941545 | 36238684.768741824 | -0.11607028552863714 | 40997246.9252428 | 0.8490523297910515 | 22172031.72928892 Avoirs dans les banques locales | 659762.8277465475 | 0 | 0 | 0 | 0 | 0 | 0 | -0.115430747271976 | 745857.7445596596 | -0.04674204596827713 | 782430.1296465644 | 1.571935597492979 | 304218.3989401781 | 0.26425196145166263 | 240631.14649303202 Autres liquidités | 3524740.83813081 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3203744583821054 | 5186298.369157706 | 1.0609117460415234 | 2516506.773819519 | 0.46681532692001537 | 1715626.178452622 | -0.18554549139354778 | 2106472.68855825 301146276.3037428 | 0 | 0 | 0 | 0 | 0 | 0 | -0.014897267691416331 | 305700376.6480354 | 0.05821810669488948 | 288882201.801312 | 0.12958329835839766 | 255742274.3600575 | 0.5433883198973005 | 165701833.4679862 Bons B.R.H. | 1600000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.37254901960784315 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000 | 0.5061728395061729 | 4050000 Bons du Trésor / M.E.F. | 36270000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04539559014267185 | 34695000 | -0.13186538220943325 | 39965000 | 0.5110783424077435 | 26448000 | 0.10420841683366733 | 23952000 Autres Placements | 123899296.18267074 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03764563957555639 | 119404246.9386284 | 0.21579026599419945 | 98211221.35814014 | 0.33329401187026897 | 73660588.35018319 | 0.4717288979450937 | 50050378.47189929 Portefeuille net | 126356471.21989949 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06519843517402761 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012 Immobilisations | 21547441.51114 | 0 | 0 | 0 | 0 | 0 | 0 | 0.060784964142312194 | 20312732.77762 | 0.4541137359541169 | 13969149.919549998 | 0.04526091416921278 | 13364270.80568 | 0.030057953242254312 | 12974290.197570002 Autres actifs | 20130737.253288224 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13326401060850643 | 17763501.7655586 | -0.05815956312135178 | 18860415.278439935 | 0.3021256224470254 | 14484328.511251023 | 0.3738481441274274 | 10542889.018094834 630950222.4707414 | 0 | 0 | 0 | 0 | 0 | 0 | -0.007308006587574761 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705 PASSIF Dépôts À vue | 240451742.85101944 | 0 | 0 | 0 | 0 | 0 | 0 | -0.023519698127943106 | 246243311.19638354 | 0.04610915868696442 | 235389690.5992665 | 0.1810964519041873 | 199297602.0034321 | 0.4990879970594297 | 132945899.36972937 Épargne | 175957628.65959236 | 0 | 0 | 0 | 0 | 0 | 0 | -0.019172197275607723 | 179397064.5722362 | 0.04299503188823448 | 172001839.97756577 | 0.20970385870819858 | 142185080.04202008 | 0.45749917098703513 | 97554141.28004664 À terme | 94185722.32372573 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014181260790996192 | 92868726.69119021 | 0.0008509429760196925 | 92789767.88995776 | 0.1266144747918965 | 82361597.48178053 | 0.3052412843890737 | 63100668.41038543 510595093.8343375 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01526300808978752 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615 Obligations à vue Banques locales | 1250000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.9230769230769231 | 650000 | -0.35 | 1000000 | 2.3333333333333335 | 300000 | -0.25 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 31351397.1113373 | 0 | 0 | 0 | 0 | 0 | 0 | 0.037460854560088234 | 30219354.27590774 | 0.28598038834438205 | 23499078.640548505 | 0.4066237528633815 | 16706015.800396381 | 0.22279379640350863 | 13662169.246795539 32601397.1113373 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0561088132893453 | 30869354.27590774 | 0.26002102890578793 | 24499078.640548505 | 0.440612482553231 | 17006015.800396383 | 0.20934512321217313 | 14062169.246795539 Obligations à terme Banques locales | 7957189.363190001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.22638699161582676 | 10285749.17556 | -0.45419152934736 | 18844979.014820002 | -0.08889799666700945 | 20683720.31439 | 0.08009787716952063 | 19149857.3894 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 0.21369042802815752 | 0.49436 | -0.9992275395675808 | 639.981 | -0.8455089016889208 | 4142.51052 Autres | 15748611.99808379 | 0 | 0 | 0 | 0 | 0 | 0 | 0.053114370846055255 | 14954322.56368471 | 0.2504686971211595 | 11958973.941621 | 0.20992854969449307 | 9884033.189100828 | 0.37958104541362175 | 7164517.968668834 23705801.36127379 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06078710699990128 | 25240072.33924471 | -0.1806223061738724 | 30803953.450801 | 0.007705997583081588 | 30568393.484490827 | 0.1614785314705818 | 26318517.868588835 0 | 0 | 0 | 0 | 0 | 0 Autres passifs | 10422914.653132273 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0452331913525847 | 9971855.791954419 | 0.04136867735531761 | 9575720.884249331 | 0.09104402553527072 | 8776658.558348682 | 0.4371087499240954 | 6107163.8168038735 577325206.9600809 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012427809445565829 | 584590384.8669169 | 0.03456328822870118 | 565060051.4423889 | 0.1767295425427094 | 480195347.37046856 | 0.4119714799617799 | 340088559.9923497 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 21876042.76157 | 0 | 0 | 0 | 0 | 0 | 0 | -0.000342723300414175 | 21883542.76157 | 0.4007524558119212 | 15622705.26157 | 0.08369008875558102 | 14416211.26157 | -0.0009105399908589126 | 14429349.76157 Réserves | 9703758.89786 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2514553647193816 | 7753979.224049999 | -0.06128728218046807 | 8260226.02747 | 0.16423590658785386 | 7094976.182 | 0.20956622179333192 | 5865719.50685 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 228000 Surplus d'apport | 1253740.31161 | 0 | 0 | 0 | 0 | 0 | 0 | -0.12900830653462425 | 1439440.03257 | 0.10354541335050162 | 1304377.70404 | -0.10000497777305484 | 1449316.57601 | 0.08306599211208662 | 1338160.9122300001 BNR | 20791473.54135 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04333965494451841 | 19927809.1682 | -0.0013569767384824854 | 19954887.486337997 | 0.16730818331487665 | 17094789.33804 | 0.32093653046427917 | 12941416.142100008 53625015.512389995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0513725336875774 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 | 0.15092665615592596 | 34802646.32275001 630950222.4724709 | 0 | 0 | 0 | 0 | 0 | 0 | -0.007308006577140261 | 635595156.0533069 | 0.041613920987642654 | 610202247.9218069 | 0.1729005216943731 | 520250640.72808856 | 0.38773764752116596 | 374891206.3150997 Hors-bilan Effets à l'encaissement | 1646900.680897493 | 0 | 0 | 0 | -0.025370450445429685 | 1689770.930555273 | 1537300.341460401 | 1267194.203952186 | 842980.4345114 Crédit documentaire | 3781390.06579342 | 0 | 0 | 0 | -0.1658423144378529 | 4533183.750797793 | 4188643.145419392 | 3567610.27823485 | 2172312.9430766744 Autres | 22754133.801268972 | 0 | 0 | 0 | 0.0708998074037968 | 21247677.55485199 | 151487184.2710981 | 20774183.971271355 | 14917365.835079007 0 Portefeuille brut | 136501410.65060127 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05833680878015077 | 144957785.24992 | -0.08839985269419076 | 159014657.55390215 | 0.1484936095543595 | 138454978.09570163 | 0.218078583345102 | 113666704.25768009 Provisions pour créances douteuses | 10144939.430701781 | 0 | 0 | 0 | 0 | 0 | 0 | 0.036415443722501016 | 9788487.321516676 | 0.030323922697532462 | 9500397.987352408 | 0.18698601951706315 | 8003799.397079452 | 0.32362264382143874 | 6046889.145059981 Portefeuille de crédit improductif | 11976326.76525448 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02875032377179583 | 12330842.478901925 | 0.16178839573459877 | 10613673.30244776 | 0.3673656740786397 | 7762132.327622954 | 0.352540387218065 | 5738928.316653286 Graphe Dépots US | 345871980.91375756 | 0 | #DIV/0! | 0 | #DIV/0! | 0 | -0.028900200038804995 | 356165227.2274987 | 0.05835097150480227 | 336528464.39125 | 0.20050798867282424 | 280321720.1105727 | 0.2483634522489311 | 224551367.3166033 Graphe Bons BRH | Sept. 20 | Sept. 21 | Sept. 22 | Sept. 23 | Déc. 23 | 2024-03-01 00:00:00 | Juin 24 | Sept. 24 4050000 | 6100000 | 800000 | 2550000 | 1600000 | 0 | 0 | 0 immobilisations/Avoir des Actionnaires | 0.40181697488108864 liquidites/actif | 0.5373106534081042 liquidites/depot | 0.6639630509527313 comm/sal | 0.6709322039480677 [sofibilcompsys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 28027408.22465703 | 0.04442094990458098 | 0 | 0 | 0 | 0 | 0 | 0 | 28854550.26938128 | 0.045397687497066234 | 20109859.98493449 | 0.03295605687024513 | 18127403.675427593 | 0.034843597021117216 | 16291539.535928499 | 0.04345671294374051 Avoirs à la BRH | 233483235.36568993 | 0.370050167272137 | 0 | 0 | 0 | 0 | 0 | 0 | 236668597.71248683 | 0.37235745970788775 | 229234720.14416966 | 0.3756700682832025 | 194597779.18199432 | 0.3740462076327554 | 124891158.36771753 | 0.33313973835486366 Avoirs à l'étranger | 35451129.04751848 | 0.056186887308946824 | 0 | 0 | 0 | 0 | 0 | 0 | 34245072.5524499 | 0.05387875005974982 | 36238684.768741824 | 0.059387989624803544 | 40997246.9252428 | 0.07880287637521821 | 22172031.72928892 | 0.05914257618896675 Avoirs dans les banques locales | 659762.8277465475 | 0.0010456654174127694 | 0 | 0 | 0 | 0 | 0 | 0 | 745857.7445596596 | 0.0011734792775722625 | 782430.1296465644 | 0.0012822472095252355 | 304218.3989401781 | 0.0005847535305593619 | 240631.14649303202 | 0.000641869274257934 Autres liquidités | 3524740.83813081 | 0.005586400816736791 | 0 | 0 | 0 | 0 | 0 | 0 | 5186298.369157706 | 0.00815975125002752 | 2516506.773819519 | 0.004124053594330549 | 1715626.178452622 | 0.003297691620445056 | 2106472.68855825 | 0.005618890636371528 301146276.3037428 | 0.47729007071981444 | 0 | 0 | 0 | 0 | 0 | 0 | 305700376.6480354 | 0.4809671277923036 | 288882201.801312 | 0.4734204155821069 | 255742274.3600575 | 0.49157512618009525 | 165701833.4679862 | 0.4419997873982003 Bons B.R.H. | 1600000 | 0.002535857731747128 | 0 | 0 | 0 | 0 | 0 | 0 | 2550000 | 0.0040119877813642735 | 800000 | 0.0013110407290725843 | 6100000 | 0.011725117707668715 | 4050000 | 0.01080313416875113 Bons du Trésor / M.E.F. | 36270000 | 0.05748472495654271 | 0 | 0 | 0 | 0 | 0 | 0 | 34695000 | 0.054586633754679786 | 39965000 | 0.06549467842173229 | 26448000 | 0.050837034939741337 | 23952000 | 0 Autres Placements | 123899296.18267074 | 0.19636936761428314 | 0 | 0 | 0 | 0 | 0 | 0 | 119404246.9386284 | 0.18786210971010964 | 98211221.35814014 | 0.16094863906560625 | 73660588.35018319 | 0.14158673259377522 | 50050378.47189929 | 0.13350640835276573 Portefeuille net | 126356471.21989949 | 0.20026377156204098 | 0 | 0 | 0 | 0 | 0 | 0 | 135169297.92840332 | 0.2126657143938593 | 149514259.56654975 | 0.24502410483609624 | 130451178.69862218 | 0.2507467910402411 | 107619815.11262012 | 0.2870694572537841 Immobilisations | 21547441.51114 | 0.034150778847120866 | 0 | 0 | 0 | 0 | 0 | 0 | 20312732.77762 | 0.031958602239187846 | 13969149.919549998 | 0.022892655618813824 | 13364270.80568 | 0.025688139061271903 | 12974290.197570002 | 0.03460814759226206 Autres actifs | 20130737.253288224 | 0.03190542856845055 | 0 | 0 | 0 | 0 | 0 | 0 | 17763501.7655586 | 0.02794782432849561 | 18860415.278439935 | 0.030908465746571998 | 14484328.511251023 | 0.027841058477206592 | 10542889.018094834 | 0.028122529528081815 630950222.4707414 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 635595156.0582457 | 1 | 610202247.9239918 | 1 | 520250640.72579384 | 1 | 374891206.2681705 | 1 PASSIF Dépôts À vue | 240451742.85101944 | 0.38109463201301863 | 0 | 0 | 0 | 0 | 0 | 0 | 246243311.19638354 | 0.3874216297108122 | 235389690.5992665 | 0.38575683947429046 | 199297602.0034321 | 0.38307997415513995 | 132945899.36972937 | 0.35462528100653645 Épargne | 175957628.65959236 | 0.2788771956851983 | 0 | 0 | 0 | 0 | 0 | 0 | 179397064.5722362 | 0.28225052199075656 | 172001839.97756577 | 0.2818767721075172 | 142185080.04202008 | 0.2733011147158989 | 97554141.28004664 | 0.2602198708557153 À terme | 94185722.32372573 | 0.149275995109255 | 0 | 0 | 0 | 0 | 0 | 0 | 92868726.69119021 | 0.14611301833565227 | 92789767.88995776 | 0.1520639561811576 | 82361597.48178053 | 0.15831138115827997 | 63100668.41038543 | 0.16831728073463453 510595093.8343375 | 0.8092478228074719 | 0 | 0 | 0 | 0 | 0 | 0 | 518509102.45981 | 0.8157851700372211 | 500181298.4667901 | 0.8196975677629654 | 423844279.5272327 | 0.8146924700293188 | 293600709.0601615 | 0.7831624325968863 Obligations à vue Banques locales | 1250000 | 0.001981138852927444 | 0 | 0 | 0 | 0 | 0 | 0 | 650000 | 0.0010226635521124617 | 1000000 | 0.0016388009113407302 | 300000 | 0.0005766451331640351 | 400000 | 0.0010669762141976423 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 31351397.1113373 | 0.04968917672866204 | 0 | 0 | 0 | 0 | 0 | 0 | 30219354.27590774 | 0.04754497259437649 | 23499078.640548505 | 0.03851031149179838 | 16706015.800396381 | 0.03211147568620015 | 13662169.246795539 | 0.0364430240516834 32601397.1113373 | 0.051670315581589486 | 0 | 0 | 0 | 0 | 0 | 0 | 30869354.27590774 | 0.04856763614648896 | 24499078.640548505 | 0.040149112403139106 | 17006015.800396383 | 0.032688120819364196 | 14062169.246795539 | 0.03751000026588104 Obligations à terme Banques locales | 7957189.363190001 | 0.012611437606013355 | 0 | 0 | 0 | 0 | 0 | 0 | 10285749.17556 | 0.016182862750793867 | 18844979.014820002 | 0.030883168783683957 | 20683720.31439 | 0.03975722218339694 | 19149857.3894 | 0.0510811058494169 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 9.439971250268879e-10 | 0.49436 | 8.101576185304035e-10 | 639.981 | 1.2301397632248413e-06 | 4142.51052 | 1.1049900479758767e-05 Autres | 15748611.99808379 | 0.024960149687266477 | 0 | 0 | 0 | 0 | 0 | 0 | 14954322.56368471 | 0.02352806251140514 | 11958973.941621 | 0.01959837739422854 | 9884033.189100828 | 0.018998598781755967 | 7164517.968668834 | 0.01911092564690314 23705801.36127379 | 0.037571587293279834 | 0 | 0 | 0 | 0 | 0 | 0 | 25240072.33924471 | 0.03971092620619613 | 30803953.450801 | 0.050481546988070114 | 30568393.484490827 | 0.05875705110491612 | 26318517.868588835 | 0.0702030813967998 Autres passifs | 10422914.653132273 | 0.016519392944053694 | 0 | 0 | 0 | 0 | 0 | 0 | 9971855.791954419 | 0.015689005331312816 | 9575720.884249331 | 0.015692700111852267 | 8776658.558348682 | 0.01687005814371415 | 6107163.8168038735 | 0.016290496321845552 577325206.9600809 | 0.9150091186263949 | 0 | 0 | 0 | 0 | 0 | 0 | 584590384.8669169 | 0.919752737721219 | 565060051.4423889 | 0.9260209272660268 | 480195347.37046856 | 0.9230077000973133 | 340088559.9923497 | 0.9071660105814127 0 | 0 | 0 AVOIR DES ACTIONNAIRES | 0 | 0 | 0 Capital versé | 21876042.76157 | 0.03467158261059879 | 0 | 0 | 0 | 0 | 0 | 0 | 21883542.76157 | 0.034430002420541735 | 15622705.26157 | 0.025602503620268537 | 14416211.26157 | 0.02771012687549632 | 14429349.76157 | 0.03848943245483403 Réserves | 9703758.89786 | 0.015379595017592668 | 0 | 0 | 0 | 0 | 0 | 0 | 7753979.224049999 | 0.012199556825035696 | 8260226.02747 | 0.013536865941698256 | 7094976.182 | 0.01363761161755016 | 5865719.50685 | 0.015646457982410187 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228000 | 0.0006081764420926562 Surplus d'apport | 1253740.31161 | 0.001987066914249545 | 0 | 0 | 0 | 0 | 0 | 0 | 1439440.03257 | 0.002264712087324483 | 1304377.70404 | 0 | 1449316.57601 | 0 | 1338160.9122300001 | 0.003569464660296073 BNR | 20791473.54135 | 0.03295263683390515 | 0 | 0 | 0 | 0 | 0 | 0 | 19927809.1682 | 0.03135299093810876 | 19954887.486337997 | 0.03270208779831244 | 17094789.33804 | 0.03285875691415068 | 12941416.142100008 | 0.034520458004135314 53625015.512389995 | 0.08499088137634615 | 0 | 0 | 0 | 0 | 0 | 0 | 51004771.18639 | 0.08024726227101067 | 45142196.479417995 | 0.07397907273039252 | 40055293.35762 | 0.07699229990709759 | 34802646.32275001 | 0.09283398954376826 630950222.4724709 | 1.0000000000027411 | 0 | 0 | 0 | 0 | 0 | 0 | 635595156.0533069 | 0.9999999999922298 | 610202247.9218069 | 0.9999999999964194 | 520250640.72808856 | 1.0000000000044107 | 374891206.3150997 | 1.000000000125181 0 [sofibilgdes&$ ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 11171508.002347032 | 16855900.22231 | 28027408.22465703 | 0.39859226057580777 | 6209441.218881281 | 22645109.050499998 | 28854550.269381277 | 0.21519798994997225 Avoirs à la BRH | 156971322.5481899 | 76511912.8175 | 233483235.3656899 | 0.6723023274126544 | 169419432.62348685 | 67249165.089 | 236668597.71248686 | 0.7158509166868998 Avoirs à l'étranger | 35451129.04751848 | 0 | 35451129.04751848 | 1 | 34245072.5524499 | 0 | 34245072.5524499 | 1 Avoirs dans les banques locales | 367645.375146547 | 292117.4526000006 | 659762.8277465475 | 0.5572386919739899 | 439678.94787965657 | 306178.7966800032 | 745857.7445596597 | 0.5894943789036268 Autres liquidités | 1559374.15768081 | 1965366.68045 | 3524740.8381308103 | 0.4424081739035755 | 2464544.748737706 | 2721753.6204199996 | 5186298.369157705 | 0.4752030394923011 205520979.13088277 | 95625297.17286001 | 301146276.30374277 | 0.6824622959096123 | 212778170.09143534 | 92922206.55659999 | 305700376.64803535 | 0.696035027580012 Bons B.R.H. | 0 | 1600000 | 1600000 | 0 | 0 | 2550000 | 2550000 | 0 Bons du Trésor / M.E.F. | 0 | 36270000 | 36270000 | 0 | 0 | 34695000 | 34695000 | 0 Autres Placements | 94742097.03136073 | 29157199.15131 | 123899296.18267073 | 0.7646701793340123 | 93132748.02911003 | 26271498.90951839 | 119404246.93862842 | 0.7799785218441899 Portefeuille net | 67616664.87652951 | 58739806.343370005 | 126356471.21989952 | 0.5351262521319982 | 73185191.57928632 | 61984106.349116996 | 135169297.92840332 | 0.5414335407590204 Immobilisations | 0 | 21547441.51114 | 21547441.51114 | 0 | 0 | 20312732.777620003 | 20312732.777620003 | 0 Autres actifs | 5656857.15379096 | 14473880.099497266 | 20130737.253288224 | 0.28100596031906133 | 5317266.004781496 | 12446235.761930002 | 17763501.766711496 | 0.29933658771864247 373536598.19256395 | 257413624.27817726 | 630950222.4707413 | 0.5920222941357086 | 384413375.7046132 | 251181780.35478538 | 635595156.0593987 | 0.6048085358106291 PASSIF Dépôts À vue | 159016138.38431942 | 81435604.46669999 | 240451742.8510194 | 0.661322461209373 | 164611336.44935223 | 81631974.7470313 | 246243311.19638354 | 0.6684905902604261 Épargne | 113840940.66468237 | 62116687.994909994 | 175957628.65959236 | 0.6469792843419087 | 117763876.33376624 | 61633188.23847 | 179397064.57223624 | 0.6564426046466735 À terme | 73014901.86475572 | 21170820.458970003 | 94185722.32372573 | 0.7752226140369366 | 73790014.44438021 | 19078712.246810004 | 92868726.69119021 | 0.7945625731442287 345871980.91375756 | 164723112.92058 | 510595093.8343376 | 0.6773899418351552 | 356165227.2274987 | 162343875.2323113 | 518509102.45981 | 0.6869025549172597 Obligations à vue Banques locales | 0 | 1250000 | 1250000 | 0 | 0 | 650000 | 650000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 14571946.313837297 | 16779450.7975 | 31351397.111337297 | 0.4647941609137345 | 14269062.117216054 | 15950292.14501 | 30219354.262226053 | 0.4721828929035809 14571946.313837297 | 18029450.7975 | 32601397.111337297 | 0.44697306265963155 | 14269062.117216054 | 16600292.14501 | 30869354.262226053 | 0.46224038235476467 Obligations à terme Banques locales | 0 | 10118136.36319 | 10118136.36319 | 0 | 0 | 10285749.17556 | 10285749.17556 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.64 | 0 | 0.64 | 1 Autres | 7302489.46844379 | 6285175.52964 | 13587664.99808379 | 0.5374352009321417 | 7966240.995284712 | 6988081.60287 | 14954322.598154712 | 0.5327049047522692 7302489.46844379 | 16403311.892830001 | 23705801.36127379 | 0.3080465138956772 | 7966241.635284712 | 17273830.77843 | 25240072.41371471 | 0.31561881062417596 Autres passifs | 5670571.762685133 | 4752342.890447141 | 10422914.653132275 | 0.5440485652428348 | 5873982.679746352 | 4097873.082853847 | 9971855.762600198 | 0.5890561215071857 373416988.4587238 | 203908218.50135714 | 577325206.960081 | 0.6468052736255177 | 384274513.6597458 | 200315871.23860514 | 584590384.8983511 | 0.6573397777087348 AVOIR DES ACTIONNAIRES Capital versé | 0 | 21876042.76157 | 21876042.76157 | 0 | 0 | 21883542.76157 | 21883542.76157 | 0 Réserves | 0 | 9703758.897860002 | 9703758.897860002 | 0 | 0 | 7753979.224049999 | 7753979.224049999 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1253740.31161 | 1253740.31161 | 0 | 0 | 1439440.03257 | 1439440.03257 | 0 BNR | 0 | 20791473.54135 | 20791473.54135 | 0 | 0 | 19927809.1682 | 19927809.1682 | 0 0 | 53625015.51239 | 53625015.51239 | 0 | 0 | 51004771.18639 | 51004771.18639 | 0 373416988.4587238 | 257533234.01374716 | 630950222.472471 | 0.5918327233413668 | 384274513.6597458 | 251320642.42499512 | 635595156.0847409 | 0.6045900601679732 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes | 0 [somfinrésys] TRIM 1 24 | TRIM 1 23 | TRIM 2 24 | TRIM 2 23 | TRIM 3 24 | TRIM 3 23 | TRIM 4 24 | TRIM 4 23 | CUMUL 24 | CUMUL 23 SYSTÈME BANCAIRE SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 | 4284522.191419999 | 0 | 0 | 0 | 0 | 0 | 0 | 4074699.4468300003 | 0.04659452839097218 | 4264558.145889999 | 0.017277490102991976 | 4338239.007049248 | 0.22913522343179388 | 5332282.371230001 Intérêts sur Bons B.R.H. | 177151.97251999998 | 0 | 0 | 0 | 0 | 0 | 0 | 204125.71977000003 | -0.1404843938446928 | 175449.24175999995 | -0.7928109674037497 | 36351.15867000004 | 1.5157808665800059 | 91451.54946 Autres | 2327711.51646864 | 0 | 0 | 0 | 0 | 0 | 0 | 1792473.8165573 | 0.1299442776392953 | 2025395.531837189 | 0.05149131167102336 | 2129685.804424116 | 0.16544770083787352 | 2482037.424273143 6789385.68040864 | 0 | 0 | 0 | 0 | 0 | 0 | 6071298.9831573 | 0.06491262206377763 | 6465402.919487188 | 0.006012471479389023 | 6504275.970143363 | 0.21547292600330592 | 7905771.3449631445 Dépenses d'intérêt | 1045951.56074 | 0 | 0 | 0 | 0 | 0 | 0 | 883607.6651049871 | 0.1463936429916058 | 1012962.2101750129 | -0.03203079140475251 | 980516.22892 | -0.036417081258687936 | 944808.6897359581 5743434.11966864 | 0 | 0 | 0 | 0 | 0 | 0 | 5187691.318052313 | 0.05103414506151837 | 5452440.7093121745 | 0.013080203107827216 | 5523759.741223363 | 0.26018563104367054 | 6960962.655227186 0 AUTRES REVENUS | 0 Commissions | 1961211.5126999998 | 0 | 0 | 0 | 0 | 0 | 0 | 1624429.3434400002 | 0.15039729035098195 | 1868739.115060001 | 0.03375783565592755 | 1931823.70299 | 0.14664208992856875 | 2215110.36817 Gains sur change | 1186051.5796605824 | 0 | 0 | 0 | 0 | 0 | 0 | 1628412.479170338 | -0.2035357666291961 | 1296972.2968338535 | 0.03842937034801734 | 1346814.1255600003 | -0.37841386746674394 | 837160.9835479998 Autres | 721626.1488292546 | 0 | 0 | 0 | 0 | 0 | 0 | 2039244.53943 | -0.19841262196550452 | 1634632.683532856 | -0.8984268355775771 | 166034.8143347493 | -1.3360083607619935 | -55789.08579404105 3868889.2411898365 | 0 | 0 | 0 | 0 | 0 | 0 | 5292086.362040338 | -0.09292030268834066 | 4800344.09542671 | -0.2824113075213732 | 3444672.6428847495 | -0.1301111668438404 | 2996482.265923959 0 PRODUIT NET BANCAIRE | 9612323.360858478 | 0 | 0 | 0 | 0 | 0 | 0 | 10479777.680092651 | -0.021660085002085633 | 10252784.804738885 | -0.1252686411634367 | 8968432.384108113 | 0.11027708017239936 | 9957444.921151146 0 Dotation à la provision pour créances douteuses | 979920.3727152854 | 0 | 0 | 0 | 0 | 0 | 0 | 921600.13689 | -0.31819826109778115 | 628348.5759041249 | 0.2051837925877449 | 757275.5197752417 | -0.5013737909416004 | 377597.4216382579 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 8632402.988143193 | 0 | 0 | 0 | 0 | 0 | 0 | 9558177.543202652 | 0.006932146356627158 | 9624436.22883476 | -0.14684282080520317 | 8211156.8643328715 | 0.1666866993036332 | 9579847.499512888 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 2923114.28958 | 0 | 0 | 0 | 0 | 0 | 0 | 2467695.2821400003 | 0.09345996244317308 | 2698325.99053 | 0.11711967305252344 | 3014353.04833 | 0.09018666816105418 | 3286207.50642 Frais de locaux | 354660.94539999997 | 0 | 0 | 0 | 0 | 0 | 0 | 358131.83571 | 0.1257153942785959 | 403154.52064 | 0.06604984118180818 | 429782.8127 | 0.03142004496449236 | 443286.608 Amortissement | 401527.75710999995 | 0 | 0 | 0 | 0 | 0 | 0 | 319120.95514 | 0.026154790241420256 | 327467.49678332836 | 0.06436468322417238 | 348544.83848 | 0.14800640246164523 | 400131.70612 Autres dépenses d'exploitation | 2585481.361933655 | 0 | 0 | 0 | 0 | 0 | 0 | 2183631.8167256 | 0.17753984350755353 | 2571313.467745178 | 0.04503776648202221 | 2687119.683257564 | 0.09675111979898571 | 2947101.521646629 6264784.354023656 | 0 | 0 | 0 | 0 | 0 | 0 | 5328579.889715601 | 0.12605264439767178 | 6000261.475698506 | 0.07991966833632576 | 6479800.382767564 | 0.0921211957403098 | 7076727.342186629 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2367618.6341195367 | 0 | 0 | 0 | 0 | 0 | 0 | 4229597.653487051 | -0.14313959623361877 | 3624174.753136253 | -0.5222756628755157 | 1731356.4815653078 | 0.44575665611232496 | 2503120.1573262597 0 Impôts sur le revenu | 483383.99535077263 | 0 | 0 | 0 | 0 | 0 | 0 | 647052.5536985113 | -0.012746136734627529 | 638805.1333745802 | -0.3363673330605001 | 423931.9543160156 | -0.01388006001245931 | 418047.75334891013 0 | 0 BÉNÉFICE NET | 1884234.6387687642 | 0 | 0 | 0 | 0 | 0 | 0 | 3582545.0997885396 | -0.1666902895547959 | 2985369.619761673 | -0.5620560621389099 | 1307424.5272492922 | 0.5947937035907999 | 2085072.4039773494 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 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 | 2023 Revenus d'intérêt Prêts | 4284522.191419999 | 0.05149404203375907 | 4074699.4468300003 | 0 | 0 | 4264558.145889999 | 0 | 0 | 4338239.007049248 | 0 | 0 | 5332282.371230001 | 4284522.191419999 | 0.05149404203375907 | 4074699.4468300003 | 18009778.97099925 Intérêts sur Bons B.R.H. | 177151.97251999998 | -0.13214281512585915 | 204125.71977000003 | 0 | 0 | 175449.24175999995 | 0 | 0 | 36351.15867000004 | 0 | 0 | 91451.54946 | 177151.97251999998 | -0.13214281512585915 | 204125.71977000003 | 507377.66966 Autres | 2327711.51646864 | 0.2986027996433107 | 1792473.8165573 | 0 | 0 | 2025395.531837189 | 0 | 0 | 2129685.804424116 | 0 | 0 | 2482037.424273143 | 2327711.51646864 | 0.2986027996433107 | 1792473.8165573 | 8429592.577091748 6789385.68040864 | 0.11827562754583826 | 6071298.9831573 | 0 | 0 | 6465402.919487188 | 0 | 0 | 6504275.970143363 | 0 | 0 | 7905771.3449631445 | 6789385.68040864 | 0.11827562754583826 | 6071298.9831573 | 26946749.217750996 Dépenses d'intérêt | 1045951.56074 | 0.18372848272623774 | 883607.6651049871 | 0 | 0 | 1012962.2101750129 | 0 | 0 | 980516.22892 | 0 | 0 | 944808.6897359581 | 1045951.56074 | 0 | 883607.6651049871 | 3821894.7939359583 5743434.11966864 | 0.10712719156639743 | 5187691.318052313 | 0 | 0 | 5452440.7093121745 | 0 | 0 | 5523759.741223363 | 0 | 0 | 6960962.655227186 | 5743434.11966864 | 0.10712719156639743 | 5187691.318052313 | 23124854.423815038 AUTRES REVENUS Commissions | 1961211.5126999998 | 0.20732337212451926 | 1624429.3434400002 | 0 | 0 | 1868739.115060001 | 0 | 0 | 1931823.70299 | 0 | 0 | 2215110.36817 | 1961211.5126999998 | 0.20732337212451926 | 1624429.3434400002 | 7640102.529660001 Gains sur change | 1186051.5796605824 | -0.2716516270712533 | 1628412.479170338 | 0 | 0 | 1296972.2968338535 | 0 | 0 | 1346814.1255600003 | 0 | 0 | 837160.9835479998 | 1186051.5796605824 | -0.2716516270712533 | 1628412.479170338 | 5109359.885112192 Autres | 721626.1488292546 | -0.6461306455031822 | 2039244.53943 | 0 | 0 | 1634632.683532856 | 0 | 0 | 166034.8143347493 | 0 | 0 | -55789.08579404105 | 721626.1488292546 | -0.6461306455031822 | 2039244.53943 | 3784122.951503564 3868889.2411898365 | -0.2689293075523044 | 5292086.362040338 | 0 | 0 | 4800344.09542671 | 0 | 0 | 3444672.6428847495 | 0 | 0 | 2996482.265923959 | 3868889.2411898365 | -0.2689293075523044 | 5292086.362040338 | 16533585.366275758 PRODUIT NET BANCAIRE | 9612323.360858478 | -0.08277411465340404 | 10479777.680092651 | 0 | 0 | 10252784.804738885 | 0 | 0 | 8968432.384108113 | 0 | 0 | 9957444.921151146 | 9612323.360858478 | -0.08277411465340404 | 10479777.680092651 | 39658439.7900908 Dotation à la provision pour créances douteuses | 979920.3727152854 | 0.06328149648728448 | 921600.13689 | 0 | 0 | 628348.5759041249 | 0 | 0 | 757275.5197752417 | 0 | 0 | 377597.4216382579 | 979920.3727152854 | 0.06328149648728448 | 921600.13689 | 2684821.6542076245 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 8632402.988143193 | -0.09685680673695254 | 9558177.543202652 | 0 | 0 | 9624436.22883476 | 0 | 0 | 8211156.8643328715 | 0 | 0 | 9579847.499512888 | 8632402.988143193 | -0.09685680673695254 | 9558177.543202652 | 36973618.135883175 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2923114.28958 | 0.1845523678454569 | 2467695.2821400003 | 0 | 0 | 2698325.99053 | 0 | 0 | 3014353.04833 | 0 | 0 | 3286207.50642 | 2923114.28958 | 0.1845523678454569 | 2467695.2821400003 | 11466581.82742 Frais de locaux | 354660.94539999997 | -0.009691655317709946 | 358131.83571 | 0 | 0 | 403154.52064 | 0 | 0 | 429782.8127 | 0 | 0 | 443286.608 | 354660.94539999997 | -0.009691655317709946 | 358131.83571 | 1634355.7770500001 Amortissement | 401527.75710999995 | 0.2582306195901416 | 319120.95514 | 0 | 0 | 327467.49678332836 | 0 | 0 | 348544.83848 | 0 | 0 | 400131.70612 | 401527.75710999995 | 0.2582306195901416 | 319120.95514 | 1395264.9965233284 Autres dépenses d'exploitation | 2585481.361933655 | 0.18402806834470684 | 2183631.8167256 | 0 | 0 | 2571313.467745178 | 0 | 0 | 2687119.683257564 | 0 | 0 | 2947101.521646629 | 2585481.361933655 | 0.18402806834470684 | 2183631.8167256 | 10389166.489374971 6264784.354023656 | 0.1756949287961267 | 5328579.889715601 | 0 | 0 | 6000261.475698506 | 0 | 0 | 6479800.382767564 | 0 | 0 | 7076727.342186629 | 6264784.354023656 | 0.1756949287961267 | 5328579.889715601 | 24885369.0903683 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2367618.6341195367 | -0.44022603848203473 | 4229597.653487051 | 0 | 0 | 3624174.753136253 | 0 | 0 | 1731356.4815653078 | 0 | 0 | 2503120.1573262597 | 2367618.6341195367 | -0.44022603848203473 | 4229597.653487051 | 12088249.045514874 0 Impôts sur le revenu | 483383.99535077263 | -0.2529447684152077 | 647052.5536985113 | 0 | 0 | 638805.1333745802 | 0 | 0 | 423931.9543160156 | 0 | 0 | 418047.75334891013 | 483383.99535077263 | -0.2529447684152077 | 647052.5536985113 | 2127837.394738017 BÉNÉFICE NET | 1884234.6387687642 | -0.47405138350387227 | 3582545.0997885396 | 0 | 0 | 2985369.619761673 | 0 | 0 | 1307424.5272492922 | 0 | 0 | 2085072.4039773494 | 1884234.6387687642 | -0.47405138350387227 | 3582545.0997885396 | 9960411.650776858 Marge nette en % Revenu d'intérêt | 0.8459431221062925 | -0.008518391392507652 | 0.8544615134988002 | 0 | 0 | 0.8433257412122186 | 0 | 0 | 0.8492505186709678 | 0 | 0 | 0.8804912704263947 | 0.8459431221062925 | 0.8544615134988002 Frais d'exploitation en % Produit net bancaire | 0.6517450692029307 | 0.14328200325089702 | 0.5084630659520337 | 0 | 0 | 0.5852323627162406 | 0 | 0 | 0.7225120405935873 | 0 | 0 | 0.7106971113799053 | 0.6517450692029307 | 0.5084630659520337 9698502.09438983 | 64306.39438983053 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 4284522.191419999 | 0.05149404203375907 | 4074699.4468300003 | 18009778.97099925 | 0.24098209778402271 | 14512521.174285 | 0.14894066939830933 | 12631218.966149999 | -0.07801541666935259 | 13700032.727792498 Intérêts sur Bons B.R.H. | 177151.97251999998 | -0.13214281512585915 | 204125.71977000003 | 507377.66966 | -0.32144906587356115 | 747737.0439599999 | 0.24988393343258522 | 598245.1841800001 | -0.41979894631794185 | 1031099.78926 Autres | 2327711.51646864 | 0.2986027996433107 | 1792473.8165573 | 8429592.57709175 | 0.8803481196219355 | 4482995.722508347 | 0.21377301091073125 | 3693438.2971200002 | 0.1466233351360828 | 3221143.4949399997 6789385.68040864 | 0.11827562754583826 | 6071298.9831573 | 26946749.217750996 | 0.3648585637714176 | 19743253.94075335 | 0.1666588519351967 | 16922902.44745 | -0.05733944619918138 | 17952276.0119925 Dépenses d'intérêt | 1045951.56074 | 0.18372848272623774 | 883607.6651049871 | 3821894.7939359583 | 0.18496613342748142 | 3225319.8518688753 | 0.08196661665972088 | 2980979.0821700003 | -0.2766428075641553 | 4121033.3060099995 5743434.11966864 | 0.10712719156639743 | 5187691.318052313 | 23124854.423815038 | 0.3999846651147861 | 16517934.088884473 | 0.18476724165760305 | 13941923.36528 | 0.00800222088862835 | 13831242.705982499 AUTRES REVENUS Commissions | 1961211.5126999998 | 0.20732337212451926 | 1624429.3434400002 | 7640102.5296600005 | 0.22101637440058797 | 6257166.31639 | 0.21217951411545213 | 5161913.927374 | 0.00705841879223077 | 5125734.34773 Gains sur change | 1186051.5796605824 | -0.2716516270712533 | 1628412.479170338 | 5109359.885112192 | -0.1136533916917172 | 5764516.767164173 | 0.34233545924766406 | 4294393.57163 | 0.6900108598956237 | 2541044.9562999997 Autres | 721626.1488292546 | -0.6461306455031822 | 2039244.53943 | 3784122.9515035637 | -0.05219042046972708 | 3992492.83108 | -0.03200602339378654 | 4124501.729936046 | 1.063033076933319 | 1999241.687422231 3868889.2411898365 | -0.2689293075523044 | 5292086.362040338 | 16533585.366275756 | 0.03243435406294831 | 16014175.914634172 | 0.17917685497773875 | 13580809.228940045 | 0.4050051454419255 | 9666020.99145223 PRODUIT NET BANCAIRE | 9612323.360858478 | -0.08277411465340404 | 10479777.680092651 | 39658439.79009079 | 0.21905525912095372 | 32532110.003518645 | 0.18200872286753245 | 27522732.594220046 | 0.1713164966193399 | 23497263.69743473 Dotation à la provision pour créances douteuses | 979920.3727152854 | 0.06328149648728448 | 921600.13689 | 2684821.6542076245 | 0.08899862951902796 | 2465404.0707043083 | 0.34558569385621807 | 1832216.32183 | -0.0721443583671605 | 1974678.2146042325 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 8632402.988143193 | -0.09685680673695254 | 9558177.543202652 | 36973618.13588317 | 0.22971961805535648 | 30066705.932814337 | 0.17034261258219416 | 25690516.272390045 | 0.1936538150997001 | 21522585.4828305 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 2923114.28958 | 0.1845523678454569 | 2467695.2821400003 | 11466581.82742 | 0.22413691001391725 | 9367074.657760002 | 0.21844878818332833 | 7687704.849479999 | 0.023320555923212874 | 7512508.96406 Frais de locaux | 354660.94539999997 | -0.009691655317709946 | 358131.83571 | 1634355.7770500001 | 0.23986735871515127 | 1318169.8554784514 | 0.0325115557084071 | 1276663.5377500001 | 0.008853460946946261 | 1265459.83849 Amortissement | 401527.75710999995 | 0.2582306195901416 | 319120.95514 | 1395264.9965233284 | 0.11114514375329043 | 1255700.0355600002 | 0.02161948411931887 | 1229126.94509 | 0.12329497523910415 | 1094215.65322 Autres dépenses d'exploitation | 2585481.361933655 | 0.18402806834470684 | 2183631.8167256 | 10389166.48937497 | 0.360481389191059 | 7636390.010121607 | 0.28913567867358814 | 5923651.1225713715 | -0.10124650401603204 | 6590963.093930528 6264784.354023656 | 0.1756949287961267 | 5328579.889715601 | 24885369.090368297 | 0.2711316249652447 | 19577334.55892006 | 0.21468987166636816 | 16117146.45489137 | -0.021016703747847407 | 16463147.549700527 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2367618.6341195367 | -0.44022603848203473 | 4229597.653487051 | 12088249.04551487 | 0.15242835958690956 | 10489371.373894278 | 0.09568224918265361 | 9573369.817498675 | 0.8921805038482216 | 5059437.933129972 Impôts sur le revenu | 483383.99535077263 | -0.2529447684152077 | 647052.5536985113 | 2127837.394738017 | 0.5266943923798346 | 1393754.6409803154 | 0.24739744363036792 | 1117330.0443233203 | 0.8329838502301781 | 609568.9518393797 BÉNÉFICE NET | 1884234.6387687642 | -0.47405138350387227 | 3582545.0997885396 | 9960411.650776854 | 0.09507820560792647 | 9095616.732913963 | 0.0756355193322889 | 8456039.773175355 | 0.9002896059925919 | 4449868.981290592 [pageint.sect3] SECTION 3 SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE [somfindétfsfin ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ FAITS SAILLANTS FINANCIERS (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME BILAN AU 31 DECEMBRE 2023 Actif | 118424758.99841 | 5387250.2028136 | 47065982.14547537 | 50501770 | 160375251.94583 | 231643904.24589664 | 613398917.5384257 | 11768408.93231563 | 11768408.93231563 | 5782896 | 5782896 | 630950222.4707413 Bons B.R.H. | 0 | 0 | 0 | 850000 | 750000 | 0 | 1600000 | 0 | 0 | 0 | 0 | 1600000 Prêts | 19026181 | 228304.83925360022 | 12391495.619240273 | 12235675 | 31430373.118939996 | 46073606.79762 | 121385636.37505387 | 4874167.84484563 | 4874167.84484563 | 96667 | 96667 | 126356471.2198995 Dépôts | 91442473 | 4620513.00201 | 38142174.74447539 | 39370639 | 133406702.81036398 | 191376545.65769842 | 498359048.21454775 | 8031286.619789716 | 8031286.619789716 | 4204759 | 4204759 | 510595093.8343375 Avoir des Actionnaires | 11898591 | -558876.37606 | 3350940.03368 | 5391153 | 11633257.52684 | 20209577.04199 | 51924642.226449996 | 1107214.2859399999 | 1107214.2859399999 | 593159 | 593159 | 53625015.512389995 AU 30 SEPTEMBRE 2023 Actif | 118159286.99713 | 5750073.0222397605 | 45488261.80110802 | 48941900 | 166710262.341787 | 232383407.53702095 | 617433191.6992857 | 12304824.358960003 | 12304824.358960003 | 5857140 | 5857140 | 635595156.0582458 Bons B.R.H. | 0 | 0 | 0 | 550000 | 2000000 | 0 | 2550000 | 0 | 0 | 0 | 0 | 2550000 Prêts | 19908570 | 300528.43588976003 | 11906854.07882657 | 12765083 | 35159796.225317 | 49966146.876399994 | 130006978.61643332 | 5065652.31197 | 5065652.31197 | 96667 | 96667 | 135169297.92840332 Dépôts | 92208311 | 4892559.53917 | 38028696.9219254 | 38194690 | 139060465.8677532 | 193362648.0297467 | 505747371.3585953 | 8431399.10121467 | 8431399.10121467 | 4330332 | 4330332 | 518509102.45980996 Avoir des Actionnaires | 11461524 | -384478.01583000005 | 2635527.1766600003 | 5164463 | 11096548.763020003 | 19405385.00992 | 49378969.93377 | 1067591.25262 | 1067591.25262 | 558210 | 558210 | 51004771.18639 VARIATION Déc. 23/Sept. 23 Actif | 0.002246729884942882 | -0.06309881944505012 | 0.0346841202960392 | 0.03187187256726854 | -0.03800012252976409 | -0.0031822551315609914 | -0.006533944425237365 | -0.04359391170453971 | -0.04359391170453971 | -0.012675811061371249 | -0.012675811061371249 | -0.007308006587575135 Bons B.R.H. | 0 | 0 | 0 | 0 | -0.625 | 0 | -0.37254901960784315 | 0 | 0 | 0 | 0 | -0.37254901960784315 Prêts | -0.04432206833539526 | -0.24032200620993116 | 0.040702736189193615 | -0.04147313417390235 | -0.10607066896740472 | -0.07790354714380668 | -0.06631445737090369 | -0.03780055466339395 | -0.03780055466339395 | 0 | 0 | -0.0651984351740275 Dépôts | -0.008305520312588743 | -0.05560413419233551 | 0.002984005020812542 | 0.030788284968407912 | -0.040656868378148324 | -0.010271385876670187 | -0.014608722778331435 | -0.04745505183917952 | -0.04745505183917952 | -0.02899846940142234 | -0.02899846940142234 | -0.015263008089787405 Avoir des Actionnaires | 0.038133410530746176 | -0.45359774304263883 | 0.271449622434416 | 0.04389420545756645 | 0.048367179316925496 | 0.04144169423378604 | 0.0515537747363787 | 0.037114422980480725 | 0.037114422980480725 | 0.06260905394027337 | 0.06260905394027337 | 0.0513725336875774 RÉSULTATS TRIM 1 2023 (Oct-Déc.23) Revenus nets d'intérêt | 1451074 | 41483.02239 | 313755.06545864 | 502939 | 1230692.93079 | 2065121.0358399998 | 5605065.05447864 | 118978.06519000005 | 118978.06519000005 | 19391 | 19391 | 5743434.11966864 Autres revenus | 347536 | 12121.46314 | 310263.0471698372 | 616649 | 976069.6256500001 | 1512647.5709499998 | 3775286.706909837 | 17599.53428 | 17599.53428 | 76003 | 76003 | 3868889.241189837 Dot. à la provision pr créances dout. | 300000 | 9000 | 4685.614875285388 | 61050 | 352491.31236999994 | 254514.85327000002 | 981741.7805152854 | -1821.4077999999997 | -1821.4077999999997 | 0 | 0 | 979920.3727152854 Frais d'exploitation | 1061544 | 77785.05622999999 | 570312.8641136549 | 709779 | 1411165.79615 | 2276514.5194800003 | 6107101.235973655 | 96129.11805000002 | 96129.11805000002 | 61554 | 61554 | 6264784.354023655 Bénéfice net | 437066 | -33180.57069999999 | 31921.67274816414 | 270862 | 301255.44791999995 | 822123.0696699995 | 1830047.6196381636 | 30857.019130600005 | 30857.019130600005 | 23330 | 23330 | 1884234.6387687635 TRIM 1 2023 (Oct.-Déc.22) Revenus nets d'intérêt | 1185740 | 53280.56107 | 295510.16210729996 | 521559 | 1439065.6457600002 | 1573493.5649200003 | 5068648.933857301 | 106503.384195013 | 106503.384195013 | 12539 | 12539 | 5187691.318052314 Autres revenus | 263799 | 2207.68279 | 265871.61067033804 | 851317 | 1114753.2417799998 | 2701869.51614 | 5199818.051380338 | 19205.31066 | 19205.31066 | 73063 | 73063 | 5292086.362040338 Dot. à la provision pr créances dout. | 0 | 9000 | 107296.99703999999 | 138550 | 569231.02598 | 102422.978 | 926501.00102 | -4900.864129999998 | -4900.864129999998 | 0 | 0 | 921600.13689 Frais d'exploitation | 1046430 | 50105.82531999999 | 529119.0823156 | 662026 | 1254483.1246800001 | 1613089.3957600002 | 5155253.4280756 | 81284.80502 | 81284.80502 | 92041.65662 | 92041.65662 | 5328579.8897156 Bénéfice net | 403109 | -3617.5814599999867 | -52524.01460457347 | 433049 | 563104.73688 | 2209856.5451999996 | 3552977.686015426 | 36007.07039311301 | 36007.07039311301 | -6439.656619999994 | -6439.656619999994 | 3582545.099788539 VARIATION TRIM 1 24 / TRIM 1 23 Revenus nets d'intérêt | 0.2237708097896672 | -0.22142294381060287 | 0.06174035850826442 | -0.0357006589858482 | -0.14479722699512737 | 0.31244326756747487 | 0.10583019807077455 | 0.11712943292154256 | 0.11712943292154256 | 0.5464550602121381 | 0.5464550602121381 | 0.10712719156639722 Autres revenus | 0.317427283651568 | 4.490581887445887 | 0.16696568839213688 | -0.27565290015352684 | -0.1244074571234747 | -0.4401478080588328 | -0.27395792129540886 | -0.0836110599004494 | -0.0836110599004494 | 0.040239245582579415 | 0.040239245582579415 | -0.26892930755230426 Dot. à la provision pr créances dout. | 0 | 0 | -0.9563304192610478 | -0.5593648502345724 | -0.3807587846021859 | 1.4849390072411293 | 0.05962301112947531 | 0.6283496641234164 | 0.6283496641234164 | 0 | 0 | 0.06328149648728448 Frais d'exploitation | 0.014443393251340272 | 0.552415427412423 | 0.07785351761984717 | 0.07213160812415223 | 0.12489818985007659 | 0.41127610500931355 | 0.18463647251835866 | 0.1826210080266244 | 0.1826210080266244 | -0.3312375911036704 | -0.3312375911036704 | 0.17569492879612672 Bénéfice net | 0.08423776199489467 | -8.172031388064475 | 1.6077538624662668 | -0.37452343730155246 | -0.4650099205537339 | -0.6279744622085436 | -0.4849256647906181 | -0.143028888667878 | -0.143028888667878 | 4.622863978110687 | 4.622863978110687 | -0.4740513835038724 RÉSULTATS CUMUL 2024 (Octobre 23 - Décembre 2023) Revenus nets d'intérêt | 1451074 | 41483.02239 | 313755.06545864 | 502939 | 1230692.93079 | 2065121.0358399998 | 5605065.05447864 | 118978.06519000005 | 118978.06519000005 | 19391 | 19391 | 5743434.11966864 Autres revenus | 347536 | 12121.46314 | 310263.0471698372 | 616649 | 976069.6256500001 | 1512647.5709499998 | 3775286.706909837 | 17599.53428 | 17599.53428 | 76003 | 76003 | 3868889.241189837 Dot. à la provision pr créances dout. | 300000 | 9000 | 4685.614875285388 | 61050 | 352491.31236999994 | 254514.85327000002 | 981741.7805152854 | -1821.4077999999997 | -1821.4077999999997 | 0 | 0 | 979920.3727152854 Frais d'exploitation | 1061544 | 77785.05622999999 | 570312.8641136549 | 709779 | 1411165.79615 | 2276514.5194800003 | 6107101.235973655 | 96129.11805000002 | 96129.11805000002 | 61554 | 61554 | 6264784.354023655 Bénéfice net | 437066 | -33180.57069999999 | 31921.67274816414 | 270862 | 301255.44791999995 | 822123.0696699995 | 1830047.6196381636 | 30857.019130600005 | 30857.019130600005 | 23330 | 23330 | 1884234.6387687635 CUMUL 2023 (Octobre 22 - Décembre 2022) Revenus nets d'intérêt | 1185740 | 53280.56107 | 295510.16210729996 | 521559 | 1439065.6457600002 | 1573493.5649200003 | 5068648.933857301 | 106503.384195013 | 106503.384195013 | 12539 | 12539 | 5187691.318052314 Autres revenus | 263799 | 2207.68279 | 265871.61067033804 | 851317 | 1114753.2417799998 | 2701869.51614 | 5199818.051380338 | 19205.31066 | 19205.31066 | 73063 | 73063 | 5292086.362040338 Dot. à la provision pr créances dout. | 0 | 9000 | 107296.99703999999 | 138550 | 569231.02598 | 102422.978 | 926501.00102 | -4900.864129999998 | -4900.864129999998 | 0 | 0 | 921600.13689 Frais d'exploitation | 1046430 | 50105.82531999999 | 529119.0823156 | 662026 | 1254483.1246800001 | 1613089.3957600002 | 5155253.4280756 | 81284.80502 | 81284.80502 | 92041.65662 | 92041.65662 | 5328579.8897156 Bénéfice net | 403109 | -3617.5814599999867 | -52524.01460457347 | 433049 | 563104.73688 | 2209856.5451999996 | 3552977.686015426 | 36007.07039311301 | 36007.07039311301 | -6439.656619999994 | -6439.656619999994 | 3582545.099788539 VARIATION CUMUL 24/ CUMUL 23 Revenus nets d'intérêt | 0.2237708097896672 | -0.22142294381060287 | 0.06174035850826442 | -0.0357006589858482 | -0.14479722699512737 | 0.31244326756747487 | 0.10583019807077455 | 0.11712943292154256 | 0.11712943292154256 | 0.5464550602121381 | 0.5464550602121381 | 0.10712719156639722 Autres revenus | 0.317427283651568 | 4.490581887445887 | 0.16696568839213688 | -0.27565290015352684 | -0.1244074571234747 | -0.4401478080588328 | -0.27395792129540886 | -0.0836110599004494 | -0.0836110599004494 | 0.040239245582579415 | 0.040239245582579415 | -0.26892930755230426 Dot. à la provision pr créances dout. | 0 | -0.9563304192610478 | -0.5593648502345724 | -0.3807587846021859 | 1.4849390072411293 | 0.05962301112947531 | 0.6283496641234164 | 0.6283496641234164 | 0 | 0 | 0.06328149648728448 Frais d'exploitation | 0.014443393251340272 | 0.552415427412423 | 0.07785351761984717 | 0.07213160812415223 | 0.12489818985007659 | 0.41127610500931355 | 0.18463647251835866 | 0.1826210080266244 | 0.1826210080266244 | -0.3312375911036704 | -0.3312375911036704 | 0.17569492879612672 Bénéfice net | 0.08423776199489467 | -8.172031388064475 | 1.6077538624662668 | -0.37452343730155246 | -0.4650099205537339 | -0.6279744622085436 | -0.4849256647906181 | -0.143028888667878 | -0.143028888667878 | 4.622863978110687 | 4.622863978110687 | -0.4740513835038724 0 | 0 [sysratfinclé déc. 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 décembre 2023 | 0.1004738460152556 | -0.1037405642990399 | 0.07119664523992385 | 0.1067517633540369 | 0.0725377350039604 | 0.08724415653319742 | 0.08465069099701704 | 0.0940836006216294 | 0.0940836006216294 | 0.10257127224836829 | 0.10257127224836829 | 0.08499088137634617 Au 30 septembre 2023 | 0.09700061917501576 | -0.06686489273143852 | 0.05793862135650572 | 0.10552232340795924 | 0.0665618817170956 | 0.08350589749755921 | 0.07997459579046977 | 0.08676200663056292 | 0.08676200663056292 | 0.09530419283131357 | 0.09530419283131357 | 0.08024726227101069 Dépôts en % de l'actif Au 31 décembre 2023 | 0.7721567159889912 | 0.8576755910829691 | 0.8103979351069833 | 0.7795892896427195 | 0.8318409554575467 | 0.8261669836757143 | 0.8124550499933492 | 0.6824445569473788 | 0.6824445569473788 | 0.7271026489150073 | 0.7271026489150073 | 0.8092478228074719 Au 30 septembre 2023 | 0.7803729469207077 | 0.850869114226354 | 0.8360112129190895 | 0.7804088112639681 | 0.8341446046233999 | 0.8320845712658815 | 0.8191127042695726 | 0.6852108453766899 | 0.6852108453766899 | 0.7393253362562616 | 0.7393253362562616 | 0.8157851700372211 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2023 | 0.3109874642403791 | 0.9124819160739528 | 0.011201807020278919 | 0.02045395965346086 | 0.048181371973337564 | 0.02628287850735127 | 0.0887455797230268 | 0.06359950072111291 | 0.06359950072111291 | 0 | 0 | 0.08773775090068439 Au 30 septembre 2023 | 0.31028335835250215 | 0.9078580468580435 | 0.019764130395404627 | 0.0074986244129951725 | 0.06593237986314099 | 0.014016912999195625 | 0.08679160757841284 | 0.04144079780893058 | 0.04144079780893058 | 0 | 0 | 0.08506505847645551 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2023 | 0.5356636288369491 | 0.9139952304133397 | 2.401190245420913 | 1.7376903245199256 | 1.64103728277309 | 1.1589108153433003 | 0.8488720927222896 | 0.7831848438638832 | 0.7831848438638832 | 0 | 0 | 0.8470827182282726 Au 30 septembre 2023 | 0.48539821250531273 | 0.864907141465704 | 0.9896655644517804 | 4.463129196748624 | 1.1536180332051817 | 1.8330676265606023 | 0.786177172062791 | 1.2126331430000805 | 1.2126331430000805 | 0 | 0 | 0.7938214552869994 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2023 | 0.27705767851000174 | N/A | -0.05964633328832567 | -0.035507061290970594 | -0.09061139405089161 | -0.00982099343680555 | 0.033907840437191056 | 0.06388542134817897 | 0.06388542134817897 | 0 | 0 | 0.03415173528722914 Au 30 septembre 2023 | 0.3265283046128944 | N/A | 0.0009411805187272899 | -0.06640980872551512 | -0.034734093928777805 | -0.030859638379443253 | 0.05243839447720846 | -0.044023165949195725 | -0.044023165949195725 | 0 | 0 | 0.04984543795117824 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2024 (octobre - décembre 2023) | 0.014779221419122721 | -0.023833784854414883 | 0.0027591752803112833 | 0.021790185338091402 | 0.007368236984169129 | 0.014173701397207536 | 0.011894701842132243 | 0.01025438295130314 | 0.01025438295130314 | 0.016034314670504455 | 0.016034314670504455 | 0.011901568917852342 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 CUMUL 2024 (octobre- décembre 2023) | 0.014779221419122721 | -0.023833784854414883 | 0.0027591752803112833 | 0.021790185338091402 | 0.007368236984169129 | 0.014173701397207536 | 0.011894701842132243 | 0.01025438295130314 | 0.01025438295130314 | 0.016034314670504455 | 0.016034314670504455 | 0.011901568917852342 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 ROE (rendement de l'avoir des actionn.) TRIM 1 2024 (octobre - décembre 2023) | 0.14967940012281616 | -0.28138371738343704 | 0.042658444958025454 | 0.20528370869118392 | 0.10603009777673048 | 0.16602274031568567 | 0.1445198314740283 | 0.11350723026402189 | 0.11350723026402189 | 0.16210267950587517 | 0.16210267950587517 | 0.14406869769835712 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 CUMUL 2024 (octobre- décembre 2023) | 0.14967940012281616 | -0.28138371738343704 | 0.042658444958025454 | 0.20528370869118392 | 0.10603009777673048 | 0.16602274031568567 | 0.1445198314740283 | 0.11350723026402189 | 0.11350723026402189 | 0.16210267950587517 | 0.16210267950587517 | 0.14406869769835712 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2024 (octobre - décembre 2023) | 0.8960017882073407 | 0.7053088664254933 | 0.7227154254584183 | 0.7914204651850779 | 0.8371068280672302 | 0.8650701965081747 | 0.8485656193015216 | 0.725741779692905 | 0.725741779692905 | 0.9644864461576722 | 0.9644864461576722 | 0.8459431221062926 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 CUMUL 2024 (octobre- décembre 2023) | 0.8960017882073407 | 0.7053088664254933 | 0.7227154254584183 | 0.7914204651850779 | 0.8371068280672302 | 0.8650701965081747 | 0.8485656193015216 | 0.725741779692905 | 0.725741779692905 | 0.9644864461576722 | 0.9644864461576722 | 0.8459431221062926 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 Rendement moyen des prêts TRIM 1 2024 (octobre - décembre 2023) | 0.09199836448043659 | 0.011675318706338892 | 0.11832803392134418 | 0.16563764461589256 | 0.12025978304320542 | 0.13202374169997094 | 0.12277234658494302 | 0.09375333962499925 | 0.09375333962499925 | 0.24901983096610011 | 0.24901983096610011 | 0.12178027234709556 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 CUMUL 2024 (octobre- décembre 2023) | 0.09199836448043659 | 0.011675318706338892 | 0.11832803392134418 | 0.16563764461589256 | 0.12025978304320542 | 0.13202374169997094 | 0.12277234658494302 | 0.09375333962499925 | 0.09375333962499925 | 0.24901983096610011 | 0.24901983096610011 | 0.12178027234709556 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 Rendement moyen des prêts productifs TRIM 1 2024 (octobre - décembre 2023) | 0.13345296095770823 | 0.12994251715626262 | 0.12017652993045243 | 0.16796327791730875 | 0.1276019390658602 | 0.13470660359022787 | 0.1345802599519748 | 0.09892766550230428 | 0.09892766550230428 | 0.24901983096610011 | 0.24901983096610011 | 0.13329149288472705 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 CUMUL 2024 (octobre- décembre 2023) | 0.13345296095770823 | 0.12994251715626262 | 0.12017652993045243 | 0.16796327791730875 | 0.1276019390658602 | 0.13470660359022787 | 0.1345802599519748 | 0.09892766550230428 | 0.09892766550230428 | 0.24901983096610011 | 0.24901983096610011 | 0.13329149288472705 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 Rémunération moyenne des dépôts TRIM 1 2024 (octobre - décembre 2023) | 0.007336750601620083 | 0.014575628662535223 | 0.012643001618488695 | 0.013671056561882179 | 0.007031492371630715 | 0.006697698674737563 | 0.007969479445935448 | 0.021849108930086233 | 0.021849108930086233 | 0.0006692371528317625 | 0.0006692371528317625 | 0.008130967219891013 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 CUMUL 2024 (octobre- décembre 2023) | 0.007336750601620083 | 0.014575628662535223 | 0.012643001618488695 | 0.013671056561882179 | 0.007031492371630715 | 0.006697698674737563 | 0.007969479445935448 | 0.021849108930086233 | 0.021849108930086233 | 0.0006692371528317625 | 0.0006692371528317625 | 0.008130967219891013 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2024 (octobre - décembre 2023) | 0.5902024341018898 | 1.451092300596136 | 0.9139363947488544 | 0.6339644583543232 | 0.6394733280351309 | 0.6362945091416926 | 0.6510524755704559 | 0.7038424926418132 | 0.7038424926418132 | 0.6452607082206429 | 0.6452607082206429 | 0.6517450692029306 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 CUMUL 2024 (octobre- décembre 2023) | 0.5902024341018898 | 1.451092300596136 | 0.9139363947488544 | 0.6339644583543232 | 0.6394733280351309 | 0.6362945091416926 | 0.6510524755704559 | 0.7038424926418132 | 0.7038424926418132 | 0.6452607082206429 | 0.6452607082206429 | 0.6517450692029306 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 Productivité par employé ('000) TRIM 1 2024 (octobre - décembre 2023) | 8822.121397915389 | 1715.34353696 | 5396.913406516559 | 6130.52977412731 | 8046.536213090246 | 8983.725315229127 | 7778.875722100945 | 7333.025474899331 | 7333.025474899331 | 23125.81818181818 | 23125.81818181818 | 7823.642983708192 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 CUMUL 2024 (octobre- décembre 2023) | 8822.121397915389 | 1715.34353696 | 5396.913406516559 | 6130.52977412731 | 8046.536213090246 | 8983.725315229127 | 7778.875722100945 | 7333.025474899331 | 7333.025474899331 | 23125.81818181818 | 23125.81818181818 | 7823.642983708192 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 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. 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 30 septembre 2023 | 0.09700061917501576 | -0.06686489273143852 | 0.05793862135650572 | 0.10552232340795924 | 0.0665618817170956 | 0.08350589749755921 | 0.07997459579046977 | 0.08676200663056292 | 0.08676200663056292 | 0.09530419283131357 | 0.09530419283131357 | 0.08024726227101069 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 30 septembre 2023 | 0.7803729469207077 | 0.850869114226354 | 0.8360112129190895 | 0.7804088112639681 | 0.8341446046233999 | 0.8320845712658815 | 0.8191127042695726 | 0.6852108453766899 | 0.6852108453766899 | 0.7393253362562616 | 0.7393253362562616 | 0.8157851700372211 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 30 septembre 2023 | 0.31028335835250215 | 0.9078580468580435 | 0.019764130395404627 | 0.0074986244129951725 | 0.06593237986314099 | 0.014016912999195625 | 0.08679160757841284 | 0.04144079780893058 | 0.04144079780893058 | 0 | 0 | 0.08506505847645551 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 30 septembre 2023 | 0.48539821250531273 | 0.864907141465704 | 0.9896655644517804 | 4.463129196748624 | 1.1536180332051817 | 1.8330676265606023 | 0.786177172062791 | 1.2126331430000805 | 1.2126331430000805 | 0 | 0 | 0.7938214552869994 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 30 septembre 2023 | 0.3265283046128944 | N/A | 0.0009411805187272899 | -0.06640980872551512 | -0.034734093928777805 | -0.030859638379443253 | 0.05243839447720846 | -0.044023165949195725 | -0.044023165949195725 | 0 | 0 | 0.04984543795117824 Au 30 septembre 2022 | 0.16951337268064426 | N/A | 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 4 2023 (juil-sept. 2023) | 0.013597735247297875 | -0.023490696456342896 | 0.020184921947753606 | 0.010501647402069332 | 0.010819068428355082 | 0.013886353655121069 | 0.012881847096048112 | 0.012915897586303501 | 0.012915897586303501 | 0.024221110469741656 | 0.024221110469741656 | 0.01300127077705106 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 CUMUL 2023 (octobre 2022-septembre 2023) | 0.013168167139600218 | -0.013153830039779876 | 0.008390643149983825 | 0.025372424256520285 | 0.008059505370615635 | 0.02356083406257302 | 0.01602375165665246 | 0.014498990890740644 | 0.014498990890740644 | 0.015602589496314581 | 0.015602589496314581 | 0.015990419660432787 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 ROE (rendement de l'avoir des actionn.) TRIM 4 2023 (juil-sept. 2023) | 0.14548188560313574 | -0.3535228210641546 | 0.3276079605706721 | 0.10234650294510354 | 0.1617488278582654 | 0.17063122265722164 | 0.16375908855008967 | 0.15209133262978494 | 0.15209133262978494 | 0.3017331960364613 | 0.3017331960364613 | 0.16498943600368945 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 CUMUL 2023 (octobre 2022-septembre 2023) | 0.1473769778326529 | -0.2039780027757108 | 0.1263208926100493 | 0.24407819179642637 | 0.12558060298029225 | 0.2962793081678389 | 0.20830184947480024 | 0.1726772101096658 | 0.1726772101096658 | 0.17447971277912377 | 0.17447971277912377 | 0.20719138403610818 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2023 (juil-sept. 2023) | 0.9157164955792078 | 0.8292015418935728 | 0.878939509335663 | 0.8120769844981407 | 0.8698093040367393 | 0.8902386290997274 | 0.8830867219893113 | 0.7650861255528165 | 0.9759167683514225 | 0.9759167683514225 | 0.9759167683514225 | 0.8804912704263946 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 CUMUL 2023 (octobre 2022-septembre 2023) | 0.8993440556615856 | 0.8248298888818657 | 0.800697918210508 | 0.8223966371902904 | 0.8541600717358953 | 0.8678564774472659 | 0.8607700700671485 | 0.7556552986673709 | 0.7556552986673709 | 0.9565935768131906 | 0.9565935768131906 | 0.8581686138445854 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 Rendement moyen des prêts TRIM 4 2023 (juil-sept. 2023) | 0.14242968501607192 | 0.032262141406872495 | 0.17057586758956655 | 0.16937784865563657 | 0.15003586861176277 | 0.1255458351183187 | 0.14229225688547653 | 0.11807206520743865 | 0.11807206520743865 | 0.24893707263078405 | 0.24893707263078405 | 0.14148939094091112 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 CUMUL 2023 (octobre 2022-septembre 2023) | 0.08914980071130708 | 0.02563961706888353 | 0.13046658261541064 | 0.16463297582703698 | 0.12657315104814376 | 0.11313361988764775 | 0.1185978197869066 | 0.11334752155150182 | 0.11334752155150182 | 0.24691983820745445 | 0.24691983820745445 | 0.11849612948383223 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 Rendement moyen des prêts productifs TRIM 4 2023 (juil-sept. 2023) | 0.20346527801453637 | 0.3484494813779513 | 0.18653344059307927 | 0.17124896307914653 | 0.16574370369148447 | 0.12717679014573793 | 0.15759077983657513 | 0.1238165638274608 | 0.1238165638274608 | 0.24893707263078405 | 0.24893707263078405 | 0.15637506553232383 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 CUMUL 2023 (octobre 2022-septembre 2023) | 0.11980193358112166 | 0.24665174140256527 | 0.14080894038739883 | 0.1658212992370864 | 0.1336042442954118 | 0.11400684210529684 | 0.1283842537188343 | 0.12010521392894835 | 0.12010521392894835 | 0.24691983820745445 | 0.24691983820745445 | 0.1281707420455697 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 Rémunération moyenne des dépôts TRIM 4 2023 (juil-sept. 2023) | 0.006764184249573036 | 0.008752145841695003 | 0.011868568888347501 | 0.012818878047372598 | 0.0066865654293693 | 0.005243826767135405 | 0.007033093055244525 | 0.02187050337813616 | 0.02187050337813616 | 0.0005857848183905973 | 0.0005857848183905973 | 0.007211411825496683 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 CUMUL 2023 (octobre 2022-septembre 2023) | 0.006733315548067185 | 0.008833825763133048 | 0.0127809960700656 | 0.012338974989837543 | 0.006881152859044764 | 0.005786844443795254 | 0.007316717775324428 | 0.02216781397960733 | 0.02216781397960733 | 0.0008987479535844078 | 0.0008987479535844078 | 0.007503545317516618 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2023 (juil-sept. 2023) | 0.51126746266076 | 1.466785171396581 | 17.76323878139477 | 0.7948463173958781 | 0.5719697363508162 | 0.6981800297986752 | 0.714867118370259 | 0.6101101926641512 | 0.31832373882688275 | 0.5040353957324043 | 0.5040353957324043 | 0.7106971113799055 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 CUMUL 2023 (octobre 2022-septembre 2023) | 0.6617718116162404 | 1.1955920043491077 | 1.0728510952816075 | 0.6275988950655973 | 0.6065682084627226 | 0.5523325541297847 | 0.6278442378567994 | 0.5800600943049423 | 0.5800600943049423 | 0.6724850101443621 | 0.6724850101443621 | 0.6274923880537089 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 Productivité par employé ('000) TRIM 4 2023 (juil-sept. 2023) | 10326.73605015674 | 1663.8171107200003 | 364.76009234888767 | 5809.753866845998 | 9195.82285891138 | 10681.809571976626 | 8236.454729526004 | 9308.394568748905 | 9308.394568748905 | 25194.514285714286 | 25194.514285714286 | 8315.19408864396 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 CUMUL 2023 (octobre 2022-septembre 2023) | 10669.382322923046 | 2144.556142795699 | 6478.839915157717 | 8537.203230735648 | 10872.419978493872 | 13858.742975171173 | 16091.16229147245 | 11349.498910397248 | 11349.498910397248 | 26287.17948717949 | 26287.17948717949 | 10799.125849100594 CUMUL 2022 (octobre 2021 - septembre 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 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 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 30 juin 2023 | 0.09001178039612535 | -0.06601735399018786 | 0.0649752606537627 | 0.09978227045116424 | 0.06721521786007904 | 0.07927892782413647 | 0.07737314321189523 | 0.08309150107589461 | 0.08309150107589461 | 0.06866044445417623 | 0.06866044445417623 | 0.07738036926478917 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 30 juin 2023 | 0.7897401360427808 | 0.8457768689358022 | 0.8057849725186648 | 0.7888599593290305 | 0.8289629632835457 | 0.8407986026386371 | 0.8209229923260924 | 0.6965765528587556 | 0.6965765528587556 | 0.7798765591200982 | 0.7798765591200982 | 0.8180666255295604 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 30 juin 2023 | 0.2897182770420167 | 0.9069847686571637 | 0.1403402627899836 | 0.014219931841530102 | 0.12109744072823111 | 0.011730670301705461 | 0.1065864672096485 | 0.05118964028293402 | 0.05118964028293402 | 0 | 0 | 0.10457010194952449 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 30 juin 2023 | 0.5505672330783483 | 0.8281925303314788 | 0.32051053641239813 | 2.3117142930236128 | 0.607762595181721 | 2.1031925361286063 | 0.6468017175244329 | 0.910036517544946 | 0.910036517544946 | 0 | 0 | 0.6513389263981791 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 30 juin 2023 | 0.28167874419339656 | N/A | 0.43045967611267444 | -0.050927395564949476 | 0.1772215841414789 | -0.03890774534898717 | 0.11703646551323732 | 0.02469706164942791 | 0.02469706164942791 | 0 | 0 | 0.11392599467736819 Au 30 septembre 2022 | 0.16951337268064426 | N/A | 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 3 2023 (avril-juin 2023) | 0.011879551655816048 | -0.016428412688531832 | 0.003317156557295941 | 0.020823150849097558 | 0.0004916568270743302 | 0.008612481472378457 | 0.007956940688582485 | 0.016070589454774867 | 0.016912632003445453 | 0.02517894695308191 | 0.025842967865232432 | 0.00826455631426235 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 CUMUL 2023 (octobre 2022-juin 2023) | 0.01286882208540125 | -0.009906707168416368 | 0.003957038149571484 | 0.029684081670347754 | 0.007046961990700362 | 0.02649047639411556 | 0.016808970983821808 | 0.01487611257816175 | 0.01487611257816175 | 0.009896156849139165 | 0.009896156849139165 | 0.016699150732027445 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 ROE (rendement de l'avoir des actionn.) TRIM 3 2023 (avril-juin 2023) | 0.13679370892482337 | -0.263020095635474 | 0.05241106671241607 | 0.2229461757241938 | 0.007722459567186738 | 0.10895679533472302 | 0.10523244279932698 | 0.20349140539605795 | 0.20602324275996708 | 0.3426233728507105 | 0.3449036246023223 | 0.10913183204985646 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 CUMUL 2023 (octobre 2022-juin 2023) | 0.1497544069154117 | 0.1547206440925701 | 0.05675298445855471 | 0.29399720897758863 | 0.1092375529535396 | 0.3424560339146258 | 0.2223026596275525 | 0.18121513862483674 | 0.18121513862483674 | 0.132075401892719 | 0.132075401892719 | 0.220508983636288 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2023 (avril-juin 2023) | 0.8942896239732843 | 0.8235398253220834 | 0.7924363193225584 | 0.8262652575171182 | 0.8413417891456275 | 0.8535245148360923 | 0.8517486022521693 | 0.757935132688404 | 0.9653148345784418 | 0.9653148345784418 | 0.9653148345784418 | 0.8526233169905298 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 CUMUL 2023 (octobre 2022-juin 2023) | 0.8921462229505548 | 0.8233351279966947 | 0.7498954396331405 | 0.82591954152798 | 0.8480526226559073 | 0.8591525284397574 | 0.8514785412059294 | 0.7522408659380045 | 0.7522408659380045 | 0.9458499223366839 | 0.9458499223366839 | 0.8489002968533592 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 Rendement moyen des prêts TRIM 3 2023 (avri-juin 2023) | 0.0760648870999177 | 0.015333242992805855 | 0.12225722009176727 | 0.1560444293607202 | 0.10017092347686103 | 0.10590357047153512 | 0.10546588531015956 | 0.11799940378443283 | 0.11799940378443283 | 0.24633018506832735 | 0.24633018506832735 | 0.10201799026092359 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 CUMUL 2023 (octobre 2022-juin 2023) | 0.073301600029711 | 0.02250961310544254 | 0.11050238033678265 | 0.16214968189503234 | 0.11430513154751491 | 0.10320691992774127 | 0.10697801943647851 | 0.1090799991657616 | 0.1090799991657616 | 0.24624742673301125 | 0.24624742673301125 | 0.10713522844214125 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 Rendement moyen des prêts productifs TRIM 3 2023 (avril-juin 2023) | 0.09776144409772682 | 0.15886922934149322 | 0.1507551736352565 | 0.16706352403474395 | 0.11240197861676657 | 0.11234122534107709 | 0.11972038501516281 | 0.13293486961815418 | 0.13293486961815418 | 0.24633018506832735 | 0.24633018506832735 | 0.1157664901713485 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 CUMUL 2023 (octobre 2022-juin 2023) | 0.09723256224657201 | 0.2161199615530992 | 0.1265172904092754 | 0.16385449134304156 | 0.12430104329485529 | 0.10390892750685576 | 0.11709919041863648 | 0.11616609783056851 | 0.11616609783056851 | 0.24624742673301125 | 0.24624742673301125 | 0.11715295284885763 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 Rémunération moyenne des dépôts TRIM 3 2023 (avril-juin 2023) | 0.00644238641752595 | 0.00870276283142016 | 0.011548895488264774 | 0.01112314096858599 | 0.0057870478682457 | 0.006071686488010882 | 0.006900679321031059 | 0.021966583043880696 | 0.021966583043880696 | 0.0006547407004059586 | 0.0006547407004059586 | 0.006737152802373518 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 CUMUL 2023 (octobre 2022-juin 2023) | 0.006566941013580887 | 0.009014706084483995 | 0.012628285414850554 | 0.011770836106102139 | 0.006908167901972903 | 0.005861070269052215 | 0.007279106594359499 | 0.0217596311504588 | 0.0217596311504588 | 0.0008087690241463751 | 0.0008087690241463751 | 0.007450225016372655 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2023 (avril-juin 2023) | 0.7324496158380743 | 1.3460411806080306 | 0.7006636316816538 | 0.6792173674685155 | 0.7758876935581898 | 0.7189847001233703 | 0.7299046884268189 | 0.5293192021757203 | 0.2975167817719088 | 0.4563164077567766 | 0.4563164077567766 | 0.7228976723558992 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 CUMUL 2023 (octobre 2022-juin 2023) | 0.7310205887676908 | 1.0999626478260742 | 0.7598045410210833 | 0.5801792619478209 | 0.6196524041587899 | 0.503067812291945 | 0.5987685422862442 | 0.569056696364479 | 0.569056696364479 | 0.7401943543234728 | 0.7401943543234728 | 0.5995974823996679 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 Productivité par employé ('000) TRIM 3 2023 (avril-juin 2023) | 7317.481302774427 | 1325.9623209523813 | 6922.601731238046 | 6031.8459563543 | 6835.381139601947 | 9695.184923840607 | 7455.739351313746 | 9652.513752275863 | 9652.513752275863 | 24014.315789473683 | 24014.315789473683 | 7504.253220175327 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 CUMUL 2023 (octobre 2022-juin 2023) | 7035.801886792452 | 1572.79399008 | 6241.1808316019315 | 6355.824780976221 | 7759.906327487799 | 11416.263784393152 | 12165.19624629463 | 8588.200032792794 | 8588.200032792794 | 17411.04761904762 | 17411.04761904762 | 8157.653000704406 CUMUL 2022 (octobre 2021 - juin 2022) | 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 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 | N/A | 0.9119421798402496 | -0.06585787978602485 | 0.1430003498190759 | -0.046307119696870055 | 0.15071980012614136 | 0.1905250079894646 | 0.1905250079894646 | 0 | 0 | 0.15007314071472166 Au 30 septembre 2022 | 0.16951337268064426 | N/A | 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 2 2023 (janvier-mars 2023) | 0.012474169025777365 | -0.009800519885492914 | 0.011978860754924808 | 0.02726025494390717 | 0.0059854804351975 | 0.027531513668261513 | 0.01836367686494576 | 0.014622817743859819 | 0.01536197917392642 | 0.008328292837236836 | 0.008785297149806996 | 0.01800968382825401 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 | 0.2502803609624693 | 0.19231589927285853 | 0.1972096851586424 | 0.10861105543412668 | 0.10792375524793874 | 0.24493199551737171 TRIM 2 2022 (janvier-mars 2022) | 0.19247176569740362 | -0.046749079802064886 | 0.15774361010495258 | 0.31854951082019634 | 0.13845065229780762 | 0.2849782797342859 | 0.22127922354785823 | 0.1119997812622413 | 0.11820023094343796 | -0.02482515097074031 | -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 | 0.10307066526800268 | 0.10546866632077467 | 0.11046015849923846 | 0.24347502249992242 | 0.24347502249992242 | 0.09980227442828447 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) | 0.10921215340561248 | 0.15291694029369093 | 0.115603314333818 | 0.14616734602577014 | 0.11956134759061697 | 0.10024742091833538 | 0.11332302548339471 | 0.11924991211289507 | 0.11924991211289507 | 0.24347502249992242 | 0.24347502249992242 | 0.10965464857159579 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) | 0.006597526358616659 | 0.008792334923803798 | 0.013145664983825361 | 0.011056985661880724 | 0.007242786506584 | 0.005863162121812515 | 0.007350510148247363 | 0.02102240830370669 | 0.02102240830370669 | 0.0010559494386562901 | 0.0010559494386562901 | 0.0071913569668651 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 | 9201.808899607166 | 14910.8 | 14200.761904761905 | 8299.523114590822 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 | N/A | 0.9692580827003553 | -0.061476815731666516 | 0.11136920219184251 | -0.015492899917854087 | 0.16611686675426135 | 0.25916030487280994 | 0.25916030487280994 | 0 | 0 | 0.1664425096043563 Au 30 septembre 2022 | 0.16951337268064426 | N/A | 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 | N/A | 0.32433516656661493 | -0.048604081650089656 | -0.11253186734818964 | -0.03944924059046916 | 0.021944001664773515 | 0.16164521078016045 | 0.16164521078016045 | 0 | 0 | 0.02466152296339709 Au 30 septembre 2021 | 0.17351669167153894 | N/A | 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 | N/A | 0.4821331693964625 | -0.03878636573960519 | -0.08984148955485266 | -0.03880314185298652 | 0.08908807713653255 | 0.053149354634739146 | 0.053149354634739146 | 0 | 0 | 0.0874223678186483 Au 30 septembre 2021 | 0.17351669167153894 | N/A | 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 | N/A | 0.41231153138547294 | -0.03948923038561661 | -0.05060206003365272 | -0.04006211592461645 | 0.0598448617399591 | 0.0675521262380453 | 0.0675521262380453 | 0 | 0 | 0.05933391971191285 Au 30 septembre 2021 | 0.17351669167153894 | N/A | 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 | N/A | 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 | N/A | 0.8181649316827374 | 0.7960846586962368 | 0.8146884569724315 | 0.8631776716154627 | 0.8186228065470085 | 0.6536905895142436 | 0.6536905895142436 | 0.7551062267558127 | 0.7551062267558127 | 0.8146924700293188 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2021 | 0.20211804927361274 | 0.8512048658350672 | 0.06724836294736215 | 0.005374122210170579 | 0.024104693348327433 | 0.0012444096297049678 | 0.06409929382153762 | 0.04529955565395707 | 0.04529955565395707 | 0 | 0 | 0.0633890802363231 Au 30 septembre 2021 | 0.16976937609801523 | 0.8479007695801347 | 0.0562751812861468 | 0.004266541929389752 | 0.022182784323064426 | 0.00510104968168687 | 0.05669662057101958 | 0.041209673197505875 | 0.041209673197505875 | 0 | 0 | 0.05606250085322091 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2021 | 0.6122969985606395 | 0.8936029231728382 | 1.2026752139673502 | 3.40737826468541 | 1.979905757227218 | 15.52892382998423 | 0.9695995607870291 | 0.7747545230483569 | 0.7747545230483569 | 0 | 0 | 0.9646658405485288 Au 30 septembre 2021 | 0.6749281125897745 | 0.8961444012475123 | 0.8647964786194402 | 4.266213712168005 | 2.3057497200171206 | 4.3646363278449485 | 1.0318074368622332 | 1.0065933566073082 | 1.0065933566073082 | 0 | 0 | 1.0311341084197292 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2021 | 0.23692405948524356 | -0.3084294049302841 | -0.057524902065865635 | -0.03688590534316315 | -0.08747310755687124 | -0.05325811370584367 | 0.006453365711147582 | 0.05360292830474964 | 0.05360292830474964 | 0 | 0 | 0.007435327475448581 Au 30 septembre 2021 | 0.17351669167153894 | -0.3145075045865524 | 0.03182783967513231 | -0.04199030095910973 | -0.11022049368770048 | -0.05380588016584977 | -0.006206591825387157 | -0.0015896654962255787 | -0.0015896654962255787 | 0 | 0 | -0.006033336650386162 0.009333333333333334 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2022 (octobre - décembre 2022) | 0.01616849089211553 | -0.016707144687341653 | 0.0023511841730103717 | 0.032208179420769825 | 0.009808128943864911 | 0.013193213907987396 | 0.013237614852403145 | 0.011580794085294199 | 0.011580794085294199 | 0.003279916565267441 | 0.003279916565267441 | 0.013096028231539882 TRIM 1 2021 (octobre - décembre 2020) | 0.012470793637631103 | -0.01830541585449488 | 0.012250896342965088 | 0.03336798146833412 | 0.020215390686816784 | 0.021673758006321035 | 0.018841623615484214 | 0.010144421633480342 | 0.010144421633480342 | 0.016946241483941145 | 0.016946241483941145 | 0.018640930026998497 CUMUL 2022 (octobre - décembre 2021) | 0.01616849089211553 | -0.016707144687341653 | 0.0023511841730103717 | 0.032208179420769825 | 0.009808128943864911 | 0.013193213907987396 | 0.013237614852403145 | 0.011580794085294199 | 0.011580794085294199 | 0.003279916565267441 | 0.003279916565267441 | 0.013096028231539882 CUMUL 2021 (octobre - décembre 2020) | 0.012470793637631103 | -0.01830541585449488 | 0.012250896342965088 | 0.03336798146833412 | 0.020215390686816784 | 0.021673758006321035 | 0.018841623615484214 | 0.010144421633480342 | 0.010144421633480342 | 0.016946241483941145 | 0.016946241483941145 | 0.018640930026998497 ROE (rendement de l'avoir des actionn.) TRIM 1 2022 (octobre - décembre 2022) | 0.19254983091364591 | -0.23256750567330567 | 0.027540723564809667 | 0.3027756971964951 | 0.13309861416631294 | 0.17773830903005863 | 0.16970840128685602 | 0.13146684305737846 | 0.13146684305737846 | 0.03938817827408972 | 0.03938817827408972 | 0.16734735504996034 TRIM 1 2021 (octobre - décembre 2020) | 0.1271939622553386 | -0.2598636870561391 | 0.1235062043858538 | 0.26673392134850654 | 0.24530124191037384 | 0.23752732553700803 | 0.20576887400990942 | 0.09346161164203193 | 0.09346161164203193 | 0.16287360444981777 | 0.16287360444981777 | 0.20249425544731464 CUMUL 2022 (octobre - décembre 2021) | 0.19254983091364591 | 0.23256750567330567 | 0.027540723564809667 | 0.3027756971964951 | 0.13309861416631294 | 0.17773830903005863 | 0.16970840128685602 | 0.13146684305737846 | 0.13146684305737846 | 0.03938817827408972 | 0.03938817827408972 | 0.16734735504996034 CUMUL 2021 (octobre - décembre 2020) | 0.1271939622553386 | -0.2598636870561391 | 0.1235062043858538 | 0.26673392134850654 | 0.24530124191037384 | 0.23752732553700803 | 0.20576887400990942 | 0.09346161164203193 | 0.09346161164203193 | 0.16287360444981777 | 0.16287360444981777 | 0.20249425544731464 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2022 (octobre - décembre 2022) | 0.8886635835034999 | 0.7892105191389053 | 0.7265999638428119 | 0.7923433610666821 | 0.8431528894548621 | 0.8196891011932392 | 0.8312473459779608 | 0.6667259404459324 | 0.6667259404459324 | 0.928016571724495 | 0.928016571724495 | 0.8271758363739855 TRIM 1 2021 (octobre - décembre 2020) | 0.860679006709034 | 0.6236424772342565 | 0.7758288881241188 | 0.7646304208669223 | 0.7923417478643643 | 0.8121787384952652 | 0.8098835538067094 | 0.6891529778092829 | 0.6891529778092829 | 0.9650512581547064 | 0.9650512581547064 | 0.806667658850589 CUMUL 2022 (octobre - décembre 2021) | 0.8886635835034999 | 0.7892105191389053 | 0.7265999638428119 | 0.7923433610666821 | 0.8431528894548621 | 0.8196891011932392 | 0.8312473459779608 | 0.6667259404459324 | 0.6667259404459324 | 0.928016571724495 | 0.928016571724495 | 0.8271758363739855 CUMUL 2021 (octobre - décembre 2020) | 0.860679006709034 | 0.6236424772342565 | 0.7758288881241188 | 0.7646304208669223 | 0.7923417478643643 | 0.8121787384952652 | 0.8098835538067094 | 0.6891529778092829 | 0.6891529778092829 | 0.9650512581547064 | 0.9650512581547064 | 0.806667658850589 Rendement moyen des prêts TRIM 1 2022 (octobre - décembre 2022) | 0.08589862098799866 | 0.019014571024067263 | 0.12014482903510515 | 0.15380860495812324 | 0.10279429023144279 | 0.08110200438311217 | 0.098325082254928 | 0.0854568669018463 | 0.0854568669018463 | 0.275055576651539 | 0.275055576651539 | 0.09803521651405528 TRIM 1 2021 (octobre - décembre 2020) | 0.08893715156774118 | 0.036068292592882474 | 0.12065094548672055 | 0.16635889327623654 | 0.07862725203503054 | 0.08706029625624709 | 0.0946107738568613 | 0.1083401042030888 | 0.1083401042030888 | 0.1683189517644306 | 0.1683189517644306 | 0.09535995170154736 CUMUL 2022 (octobre - décembre 2021) | 0.08589862098799866 | 0.019014571024067263 | 0.12014482903510515 | 0.15380860495812324 | 0.10279429023144279 | 0.08110200438311217 | 0.098325082254928 | 0.0854568669018463 | 0.0854568669018463 | 0.275055576651539 | 0.275055576651539 | 0.09803521651405528 CUMUL 2021 (octobre - décembre 2020) | 0.08893715156774118 | 0.036068292592882474 | 0.12065094548672055 | 0.16635889327623654 | 0.07862725203503054 | 0.08706029625624709 | 0.0946107738568613 | 0.1083401042030888 | 0.1083401042030888 | 0.1683189517644306 | 0.1683189517644306 | 0.09535995170154736 Rendement moyen des prêts productifs TRIM 1 2022 (octobre - décembre 2022) | 0.10552870884454604 | 0.12639438934139802 | 0.12808113194977452 | 0.15455414737226594 | 0.10523177675496481 | 0.08136155684165879 | 0.1046488642582421 | 0.08931943441497857 | 0.08931943441497857 | 0.275055576651539 | 0.275055576651539 | 0.10426541955573583 TRIM 1 2021 (octobre - décembre 2020) | 0.10368138598454345 | 0.19700428660106364 | 0.12237616910096386 | 0.16780375965483182 | 0.08105658154990979 | 0.08774133154736452 | 0.09974643424804061 | 0.116778895449475 | 0.116778895449475 | 0.1683189517644306 | 0.1683189517644306 | 0.10060345287324719 CUMUL 2022 (octobre - décembre 2021) | 0.10552870884454604 | 0.12639438934139802 | 0.12808113194977452 | 0.15455414737226594 | 0.10523177675496481 | 0.08136155684165879 | 0.1046488642582421 | 0.08931943441497857 | 0.08931943441497857 | 0.275055576651539 | 0.275055576651539 | 0.10426541955573583 CUMUL 2021 (octobre - décembre 2020) | 0.10368138598454345 | 0.19700428660106364 | 0.12237616910096386 | 0.16780375965483182 | 0.08105658154990979 | 0.08774133154736452 | 0.09974643424804061 | 0.116778895449475 | 0.116778895449475 | 0.1683189517644306 | 0.1683189517644306 | 0.10060345287324719 Rémunération moyenne des dépôts TRIM 1 2022 (octobre - décembre 2022) | 0.006395837581269216 | 0.009719606946130055 | 0.015506216519273159 | 0.012866713935473704 | 0.0067882845377061915 | 0.004842563642848403 | 0.007124274898084846 | 0.023310173482949868 | 0.023310173482949868 | 0.0006440329995095619 | 0.0006440329995095619 | 0.007313623001071261 TRIM 1 2021 (octobre - décembre 2020) | 0.009523812489152763 | 0.0216522155731742 | 0.017502141109453466 | 0.016658034825003665 | 0.008273527177211096 | 0.0064593769735604295 | 0.009368346749387423 | 0.03197459006175399 | 0.03197459006175399 | 0.0006467133029080388 | 0.0006467133029080388 | 0.00962276839785126 CUMUL 2022 (octobre - décembre 2021) | 0.006395837581269216 | 0.009719606946130055 | 0.015506216519273159 | 0.012866713935473704 | 0.0067882845377061915 | 0.004842563642848403 | 0.007124274898084846 | 0.023310173482949868 | 0.023310173482949868 | 0.0006440329995095619 | 0.0006440329995095619 | 0.007313623001071261 CUMUL 2021 (octobre - décembre 2020) | 0.009523812489152763 | 0.0216522155731742 | 0.017502141109453466 | 0.016658034825003665 | 0.008273527177211096 | 0.0064593769735604295 | 0.009368346749387423 | 0.03197459006175399 | 0.03197459006175399 | 0.0006467133029080388 | 0.0006467133029080388 | 0.00962276839785126 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2022 (octobre - décembre 2022) | 0.5553736945786852 | 1.2898922722353827 | 0.7261392571065934 | 0.5549187972852441 | 0.5612553029964988 | 0.6807812446138509 | 0.6132892955370941 | 0.7539301641819299 | 0.7539301641819299 | 0.9215192249180815 | 0.9215192249180815 | 0.6189453575616531 TRIM 1 2021 (octobre - décembre 2020) | 0.537784026936453 | 1.1989504109146782 | 0.602651633293291 | 0.6066329580104991 | 0.578914972145188 | 0.5800971551399535 | 0.5806322240484642 | 0.6963644279129818 | 0.6963644279129818 | 0.6924265485909321 | 0.6924265485909321 | 0.5840716707872766 CUMUL 2022 (octobre - décembre 2021) | 0.5553736945786852 | 1.2898922722353827 | 0.7261392571065934 | 0.5549187972852441 | 0.5612553029964988 | 0.6807812446138509 | 0.6132892955370941 | 0.7539301641819299 | 0.7539301641819299 | 0.9215192249180815 | 0.9215192249180815 | 0.6189453575616531 CUMUL 2021 (octobre - décembre 2020) | 0.537784026936453 | 1.1989504109146782 | 0.602651633293291 | 0.6066329580104991 | 0.578914972145188 | 0.5800971551399535 | 0.5806322240484642 | 0.6963644279129818 | 0.6963644279129818 | 0.6924265485909321 | 0.6924265485909321 | 0.5840716707872766 Productivité par employé ('000) TRIM 1 2022 (octobre - décembre 2022) | 8116.861956025807 | 1228.0060459701494 | 5027.303319829422 | 4370.8991960420535 | 5992.577645151903 | 6293.968589074287 | 5915.3634353722555 | 4794.564962580645 | 4794.564962580645 | 14299.918367346938 | 14299.918367346938 | 5940.22132701541 TRIM 1 2021 (octobre - décembre 2020) | 5826.075426778043 | 1283.5837556250003 | 5233.734855721171 | 3739.0606451612903 | 4935.656991324445 | 6150.576264629489 | 5161.056220058153 | 5635.670860273974 | 5635.670860273974 | 13603.764705882353 | 13603.764705882353 | 5212.926290645321 CUMUL 2022 (octobre - décembre 2021) | 8116.861956025807 | 1228.0060459701494 | 5027.303319829422 | 4370.8991960420535 | 5992.577645151903 | 6293.968589074287 | 5915.3634353722555 | 4794.564962580645 | 4794.564962580645 | 14299.918367346938 | 14299.918367346938 | 5940.22132701541 CUMUL 2021 (octobre - décembre 2020) | 5826.075426778043 | 1283.5837556250003 | 5233.734855721171 | 3739.0606451612903 | 4935.656991324445 | 6150.576264629489 | 5161.056220058153 | 5635.670860273974 | 5635.670860273974 | 13603.764705882353 | 13603.764705882353 | 5212.926290645321 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé sept. 21 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2021 | 0.08406153935914637 | -0.06988296413271866 | 0.08399211660595632 | 0.10359921313727577 | 0.07148661419540324 | 0.0734203971703253 | 0.07679640273291768 | 0.0853015512901374 | 0.0853015512901374 | 0.07948592365318863 | 0.07948592365318863 | 0.07699229990709759 Au 30 septembre 2020 | 0.0958980531432077 | -0.07142906262228461 | 0.10144165313577588 | 0.13037541849237627 | 0.0828600973304912 | 0.0924458378601654 | 0.09219251933346459 | 0.11337303882952046 | 0.11337303882952046 | 0.11160061304732567 | 0.11160061304732567 | 0.09283398954376823 Dépôts en % de l'actif Au 30 septembre 2021 | 0.7542213873890747 | 0.8208956876052808 | 0.8181649316827374 | 0.7960846586962368 | 0.8146884569724315 | 0.8631776716154627 | 0.8186228065470085 | 0.6536905895142436 | 0.6536905895142436 | 0.7551062267558127 | 0.7551062267558127 | 0.8146924700293188 Au 30 septembre 2020 | 0.7205992813031565 | 0.8151621272007507 | 0.7583432115006496 | 0.7838680058422708 | 0.7795264229645499 | 0.8498735706272129 | 0.7881736101890643 | 0.5654159338549604 | 0.5654159338549604 | 0.7489050192236153 | 0.7489050192236153 | 0.7831624325968862 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2021 | 0.16976937609801523 | 0.8479007695801347 | 0.0562751812861468 | 0.004266541929389752 | 0.022182784323064426 | 0.00510104968168687 | 0.05669662057101958 | 0.041209673197505875 | 0.041209673197505875 | 0 | 0 | 0.05606250085322091 Au 30 septembre 2020 | 0.13055755492733703 | 0.8186232390920686 | 0.011131736542746701 | 0.007614790344608182 | 0.024323463171792417 | 0.007357425798568143 | 0.04836889237792247 | 0.10797350993144256 | 0.10797350993144256 | 0 | 0 | 0.05048908872771796 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2021 | 0.6749281125897745 | 0.8961444012475123 | 0.8647964786194402 | 4.266213712168005 | 2.3057497200171206 | 4.3646363278449485 | 1.0318074368622332 | 1.0065933566073082 | 1.0065933566073082 | 0 | 0 | 1.0311341084197292 Au 30 septembre 2020 | 0.6360964566757642 | 1.031441875855655 | 3.0256460890261523 | 4.6709410548086865 | 1.8597512318566836 | 3.4385272737597514 | 1.1106903922967761 | 0.4099381920533815 | 0.4099381920533815 | 0 | 0 | 1.0536617311481398 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2021 | 0.17351669167153894 | N/A | 0.03182783967513231 | -0.04199030095910973 | -0.11022049368770048 | -0.05380588016584977 | -0.006206591825387157 | -0.0015896654962255787 | -0.0015896654962255787 | 0 | 0 | -0.006033336650386162 Au 30 septembre 2020 | 0.14306456095303147 | N/A | -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 | N/A | -0.14034302927476822 | -0.028838518396343743 | -0.05974749878597162 | -0.05408616084723422 | -0.005813351705198291 | 0.1117824100028346 | 0.1117824100028346 | 0 | 0 | -0.003234542758974928 Au 30 septembre 2020 | 0.14306456095303147 | N/A | -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 | N/A | -0.12079170343034856 | -0.019318737505888715 | -0.062120775122623074 | -0.04839020566217188 | 0.03983341807454742 | 0.17661717851295514 | 0.17661717851295514 | 0 | 0 | 0.042225837494665845 Au 30 septembre 2020 | 0.14306456095303147 | N/A | -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 | N/A | -0.10559253049317144 | -0.06370398588499479 | -0.03239981978051824 | -0.052749581107391905 | -0.013360123335781212 | 0.008950756384289167 | 0.008950756384289167 | 0 | 0 | -0.012667370544711903 Au 30 septembre 2020 | 0.14306456095303147 | N/A | -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 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 [bilsysbandéc. 23] SYSTÈME DANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ DILAN PAR DANQUE (DEVISES ET GOURDES) AU 31 décembre 2023 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF DisponiDilités Encaisse | 6726892 | 318555.34204 | 2543832.40957058 | 1798875 | 5357187.066860001 | 11216843.71712645 | 27962185.535597034 | 65066.689060000004 | 65066.689060000004 | 156 | 156 | 28027408.224657033 Avoirs à la BRH | 37779678 | 1512594.89109 | 16195878.934646295 | 18141623 | 61994508.13141 | 91111039.04510361 | 226735322.0022499 | 1805564.3634399998 | 1805564.3634399998 | 4942349 | 4942349 | 233483235.3656899 Avoirs à l'étranger | 2515351 | 0 | 2246902.4604731603 | 7688795 | 7829781.2196499985 | 14746557.367395323 | 35027387.04751848 | 0 | 0 | 423742 | 423742 | 35451129.04751848 Avoirs dans les banques locales | 0 | 0 | 378040.75650654006 | 89365 | 6935.81 | 3460.9788800075216 | 477802.5453865476 | 177538.28236 | 177538.28236 | 4422 | 4422 | 659762.8277465475 Autres liquidités | 865531 | 14759.37133 | 159117.2482566 | 310152 | 460325.98734 | 1662741.72107421 | 3472627.32800081 | 39892.510129999995 | 39892.510129999995 | 12221 | 12221 | 3524740.83813081 47887452 | 1845909.60446 | 21523771.80945318 | 28028810 | 75648738.21526001 | 118740642.82957959 | 293675324.45875275 | 2088061.84499 | 2088061.84499 | 5382890 | 5382890 | 301146276.3037428 Bons B.R.H. | 0 | 0 | 0 | 850000 | 750000 | 0 | 1600000 | 0 | 0 | 0 | 0 | 1600000 Bons du Trésor / M.E.F. | 27600000 | 1570000 | 0 | 0 | 0 | 7100000 | 36270000 | 0 | 0 | 0 | 0 | 36270000 Autres Placements | 17951503 | 200000 | 6509975.520152625 | 5572471 | 41095990.6223 | 49889633.46556811 | 121219573.60802074 | 2679722.57465 | 2679722.57465 | 0 | 0 | 123899296.18267074 Portefeuille net | 19026181 | 228304.83925360022 | 12391495.619240273 | 12235675 | 31430373.118939996 | 46073606.79762 | 121385636.37505387 | 4874167.84484563 | 4874167.84484563 | 96667 | 96667 | 126356471.2198995 Immobilisations | 2970057.9984100005 | 295167.5239 | 5218442.34454 | 1681087 | 6326254.68509 | 4227954.076599999 | 20718963.628539998 | 577804.8826 | 577804.8826 | 250673 | 250673 | 21547441.511139996 Autres actifs | 2989565 | 1247868.2351999998 | 1422296.8520893 | 2133727 | 5123895.3042399995 | 5612067.0765289245 | 18529419.468058225 | 1548651.78523 | 1548651.78523 | 52666 | 52666 | 20130737.253288224 118424758.99841 | 5387250.2028136 | 47065982.14547537 | 50501770 | 160375251.94583 | 231643904.24589664 | 613398917.5384256 | 11768408.93231563 | 11768408.93231563 | 5782896 | 5782896 | 630950222.4707414 PASSIF Dépôts À vue | 42712591 | 1983513.97718 | 17530960.645982917 | 18220081 | 61893955.0141101 | 90797970.13969277 | 233139071.7769658 | 3659471.0740536405 | 3659471.0740536405 | 3653200 | 3653200 | 240451742.85101944 Épargne | 36853543 | 564953.42801 | 8784279.36570895 | 10773995 | 45506718.089221254 | 71737399.84585229 | 174220888.7287925 | 1189608.93079988 | 1189608.93079988 | 547131 | 547131 | 175957628.65959236 À terme | 11876339 | 2072045.5968199999 | 11826934.73278352 | 10376563 | 26006029.70703263 | 28841175.67215339 | 90999087.70878954 | 3182206.6149361953 | 3182206.6149361953 | 4428 | 4428 | 94185722.32372573 91442473 | 4620513.00201 | 38142174.74447539 | 39370639 | 133406702.81036398 | 191376545.65769842 | 498359048.2145478 | 8031286.619789716 | 8031286.619789716 | 4204759 | 4204759 | 510595093.8343375 Obligations à vue Banques locales | 0 | 0 | 600000 | 650000 | 0 | 0 | 1250000 | 0 | 0 | 0 | 0 | 1250000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5293697 | 252113.23567 | 2674047.9855176555 | 2946690 | 10033753.00371 | 8995317.705239644 | 30195618.9301373 | 280183.1812 | 280183.1812 | 875595 | 875595 | 31351397.1113373 5293697 | 252113.23567 | 3274047.9855176555 | 3596690 | 10033753.00371 | 8995317.705239644 | 31445618.9301373 | 280183.1812 | 280183.1812 | 875595 | 875595 | 32601397.1113373 Obligations à terme Banques locales | 0 | 0 | 0 | 418290 | 2413368.7060100003 | 3524057.6369899996 | 6355716.343 | 1601473.02019 | 1601473.02019 | 0 | 0 | 7957189.363190001 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8590592 | 1037973.15076 | 763140.5051076051 | 57618 | -216411.30065999995 | 5036074.119616184 | 15268986.474823792 | 370242.5232599999 | 370242.5232599999 | 109383 | 109383 | 15748611.99808379 8590592 | 1037973.15076 | 763140.5051076051 | 475908 | 2196957.4053500006 | 8560131.756606184 | 21624702.81782379 | 1971715.54345 | 1971715.54345 | 109383 | 109383 | 23705801.36127379 Autres passifs | 1199406 | 35527.19043 | 1535678.8766907654 | 1667380 | 3104581.2021899996 | 2502332.081881508 | 10044905.351192273 | 378009.30194000003 | 378009.30194000003 | 0 | 0 | 10422914.653132273 106526168 | 5946126.57887 | 43715042.11179142 | 45110617 | 148741994.421614 | 211434327.2014258 | 561474275.3137012 | 10661194.646379715 | 10661194.646379715 | 5189737 | 5189737 | 577325206.9600809 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12554050 | 21472205.76157 | 300000 | 300000 | 103837 | 103837 | 21876042.76157 Réserves | 2967392 | 58117.833620000005 | 1613369.4674000002 | 554644 | 3314796.1687700003 | 771720.2943599999 | 9280039.764150001 | 364431.13370999997 | 364431.13370999997 | 59288 | 59288 | 9703758.897860002 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 53802.03257 | 1198554.27904 | 1384 | 0 | 0 | 1253740.31161 | 0 | 0 | 0 | 0 | 1253740.31161 BNR | 5931199 | -835796.24225 | -189139.47433000006 | 2810125 | 5318461.358069999 | 6883806.747630001 | 19918656.38912 | 442783.15223 | 442783.15223 | 430034 | 430034 | 20791473.54135 11898591 | -558876.37606 | 3350940.03368 | 5391153 | 11633257.52684 | 20209577.04199 | 51924642.226449996 | 1107214.2859399999 | 1107214.2859399999 | 593159 | 593159 | 53625015.51239 118424759 | 5387250.202810001 | 47065982.14547142 | 50501770 | 160375251.948454 | 231643904.2434158 | 613398917.5401511 | 11768408.932319716 | 11768408.932319716 | 5782896 | 5782896 | 630950222.4724709 Hors-bilan Effets à l'encaissement | 1639837 | 0 | 0 | 0 | 2575.554328956 | 4488.126568537001 | 1646900.680897493 | 0 | 0 | 0 | 0 | 1646900.680897493 Crédit documentaire | 0 | 0 | 0 | 0 | 1944633.033360545 | 1836757.0324328751 | 3781390.06579342 | 0 | 0 | 0 | 0 | 3781390.06579342 Autres | 4124250 | 244025.824932755 | 3671657.5430650506 | 255050 | 11271342.813461311 | 2659201.9244598546 | 22225528.105918974 | 413070.01634999993 | 413070.01634999993 | 115535.679 | 115535.679 | 22754133.801268976 Portefeuille brut | 22829171 | 1375364.4852936 | 12734010.837312054 | 12686590 | 34128853.800799996 | 47521075.57704 | 131275065.70044565 | 5129677.950155631 | 5129677.950155631 | 96667 | 96667 | 136501410.65060127 Provisions pour créances douteuses | 3802990 | 1147059.6460399998 | 342515.2180717805 | 450915 | 2698480.68186 | 1447468.77942 | 9889429.32539178 | 255510.10531 | 255510.10531 | 0 | 0 | 10144939.430701781 Portefeuille de crédit improductif | 7099586 | 1254995.22084077 | 142643.93199371 | 259491 | 1644375 | 1248990.6559300001 | 11650081.80876448 | 326244.95649 | 326244.95649 | 0 | 0 | 11976326.76525448 Dépôts US convertis | 40632951 | 2662967.2927599996 | 26427760.91287539 | 29877739 | 92907172.188374 | 144017022.38328844 | 336525612.77729785 | 6099317.136459716 | 6099317.136459716 | 3247051 | 3247051 | 345871980.91375756 Immobilisation /A | 0.24961426091627156 | -0.5281445710425078 | 1.5573069920947258 | 0.3118232778776637 | 0.5438076712815996 | 0.20920547064470776 | 0.3990198630196035 | 0.5218546129121309 | 0.5218546129121309 | 0.42260675468129116 | 0.42260675468129116 | 0.40181697488108853 Liquidité en % de l'actif | 0.6374296442605681 | 0.634072945540189 | 0.45731058459432017 | 0.5718375811382452 | 0.4763748601378051 | 0.5432503965051295 | 0.5405052323685973 | 0.17742940927692075 | 0.17742940927692075 | 0.9308294667585237 | 0.9308294667585237 | 0.5373106534081042 Liquidité en % des dépôts | 0.8255184874538553 | 0.739292282691126 | 0.5643037386737036 | 0.7335113356935863 | 0.5726754098994553 | 0.6575552003883578 | 0.6652740140799444 | 0.25999095087016977 | 0.25999095087016977 | 1.280189899111935 | 1.280189899111935 | 0.6639630509527313 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 118740642.82957959 | CAPITALBK | 850000 | UNIBK | 46073606.79762 | UNIBK | 20209577.04199 SOGEBK | 75648738.21526001 | SOGEBK | 750000 | SOGEBK | 31430373.118939996 | BNC | 11898591 BNC | 47887452 | BNC | 0 | BNC | 19026181 | SOGEBK | 11633257.52684 CAPITALBK | 28028810 | UNIBK | 0 | BUH | 12391495.619240273 | CAPITALBK | 5391153 BUH | 21523771.80945318 | BPH | 0 | CAPITALBK | 12235675 | BUH | 3350940.03368 CBNA | 5382890 | BUH | 0 | SOGEBL | 4874167.84484563 | SOGEBL | 1107214.2859399999 SOGEBL | 2088061.84499 | CBNA | 0 | BPH | 228304.83925360022 | CBNA | 593159 BPH | 1845909.60446 | SOGEBL | 0 | CBNA | 96667 | BPH | -558876.37606 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 23$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 31 décembre 2023 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3466271 | 83974.13469 | 478649.01457058 | 749815 | 2312729.23785 | 4064412.60912645 | 11155850.99623703 | 15501.00611 | 15501.00611 | 156 | 156 | 11171508.00234703 Avoirs à la BRH | 16537012 | 895223.24923 | 12519151.856156295 | 13506139 | 42027930.504540004 | 66641523.83662361 | 152126980.4465499 | 1303343.1016399998 | 1303343.1016399998 | 3540999 | 3540999 | 156971322.54818988 Avoirs à l'étranger | 2515351 | 0 | 2246902.4604731603 | 7688795 | 7829781.2196499985 | 14746557.367395323 | 35027387.04751848 | 0 | 0 | 423742 | 423742 | 35451129.04751848 Avoirs dans les banques locales | 0 | 0 | 290904.25941654004 | 1464 | 0 | 6.911136937560514e-09 | 292368.25941654696 | 71822.11573 | 71822.11573 | 3455 | 3455 | 367645.375146547 Autres liquidités | 494577 | 2213.35169 | 69095.10463660001 | 160928 | 155793.49558 | 651037.85041421 | 1533644.80232081 | 22812.355359999998 | 22812.355359999998 | 2917 | 2917 | 1559374.15768081 23013211 | 981410.73561 | 15604702.695253177 | 22107141 | 52326234.45762001 | 86103531.6635596 | 200136231.55204278 | 1413478.5788399996 | 1413478.5788399996 | 3971269 | 3971269 | 205520979.1308827 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 | 16564791 | 0 | 5649403.364712625 | 2922667 | 30738441.37258 | 37346488.994488105 | 93221791.73178074 | 1520305.29958 | 1520305.29958 | 0 | 0 | 94742097.03136073 Portefeuille net | 4752451 | 642439.1385536001 | 6942201.879830276 | 6908315 | 16951770.07994 | 28844754.474480003 | 65041931.57280388 | 2574733.30372563 | 2574733.30372563 | 0 | 0 | 67616664.87652951 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 367634 | 1193770.4121899998 | 206413.956252035 | 493777 | 914985.4949200001 | 1315850.4982089251 | 4492431.36157096 | 1164045.79222 | 1164045.79222 | 380 | 380 | 5656857.15379096 44698087 | 2817620.2863536 | 28402721.89604811 | 32431900 | 100931431.40506001 | 153610625.63073665 | 362892386.2181983 | 6672562.97436563 | 6672562.97436563 | 3971649 | 3971649 | 373536598.1925639 PASSIF Dépôts À vue | 17944277 | 1072665.55262 | 10944245.30137292 | 13755085 | 40325951.52991011 | 69208007.03512277 | 153250231.41902578 | 3065982.9652936407 | 3065982.9652936407 | 2699924 | 2699924 | 159016138.38431942 Épargne | 16272224 | 239801.42554 | 5864489.129028951 | 7738042 | 31354310.81735126 | 50919897.65874228 | 112388765.03066249 | 905048.6340198801 | 905048.6340198801 | 547127 | 547127 | 113840940.66468237 À terme | 6416450 | 1350500.3146 | 9619026.48247352 | 8384612 | 21226909.841112625 | 23889117.68942339 | 70886616.32760954 | 2128285.5371461953 | 2128285.5371461953 | 0 | 0 | 73014901.86475573 40632951 | 2662967.2927599996 | 26427760.91287539 | 29877739 | 92907172.188374 | 144017022.38328844 | 336525612.7772978 | 6099317.136459716 | 6099317.136459716 | 3247051 | 3247051 | 345871980.91375756 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 | 1356258 | 26174.31757 | 1235515.660047655 | 1325494 | 5649516.72002 | 4204063.766889644 | 13797022.464527298 | 106240.84930999999 | 106240.84930999999 | 668683 | 668683 | 14571946.313837297 1356258 | 26174.31757 | 1235515.660047655 | 1325494 | 5649516.72002 | 4204063.766889644 | 13797022.464527298 | 106240.84930999999 | 106240.84930999999 | 668683 | 668683 | 14571946.313837297 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2706486 | 10871.72625 | 637382.3652876051 | 0 | 567483.60908 | 3008851.367826185 | 6931075.06844379 | 316268.4 | 316268.4 | 55146 | 55146 | 7302489.46844379 2706486 | 10871.72625 | 637382.3652876051 | 0 | 567483.60908 | 3008851.367826185 | 6931075.06844379 | 316268.4 | 316268.4 | 55146 | 55146 | 7302489.46844379 Autres passifs | 0 | 7135.25625 | 162610.7081336255 | 1280345 | 1769503.3111299998 | 2303483.981991508 | 5523078.257505134 | 147493.50518 | 147493.50518 | 0 | 0 | 5670571.762685134 44695695 | 2707148.5928299995 | 28463269.646344278 | 32483578 | 100893675.828604 | 153533421.49999577 | 362776788.567774 | 6669319.890949717 | 6669319.890949717 | 3970880 | 3970880 | 373416988.4587238 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 44695695 | 2707148.5928299995 | 28463269.646344278 | 32483578 | 100893675.828604 | 153533421.49999577 | 362776788.567774 | 6669319.890949717 | 6669319.890949717 | 3970880 | 3970880 | 373416988.4587238 Actif devises en % actif total | 0.3774386992892266 | 0.52301641473456 | 0.6034660406800534 | 0.6421933330257533 | 0.6293454269312803 | 0.663132604895463 | 0.5916091076170923 | 0.5669893876684562 | 0.5669893876684562 | 0.6867923960589988 | 0.6867923960589988 | 0.5920222941357084 Dépôts devises en % dépôts totaux | 0.4443553380276581 | 0.5763358509329082 | 0.692875041602164 | 0.7588837712286052 | 0.6964205713144745 | 0.7525322493848406 | 0.6752673880066098 | 0.7594445853084764 | 0.7594445853084764 | 0.7722323681333461 | 0.7722323681333461 | 0.6773899418351553 [bilsysbandéc. 23 gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 31 décembre 2023 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3260621 | 234581.20735 | 2065183.395 | 1049060 | 3044457.8290100005 | 7152431.108 | 16806334.53936 | 49565.68295 | 49565.68295 | 0 | 0 | 16855900.222310003 Avoirs à la BRH | 21242666 | 617371.64186 | 3676727.0784899998 | 4635484 | 19966577.626870003 | 24469515.20848 | 74608341.5557 | 502221.26180000004 | 502221.26180000004 | 1401350 | 1401350 | 76511912.81750001 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 87136.49709 | 87901 | 6935.81 | 3460.9788800006104 | 185434.28597000064 | 105716.16662999999 | 105716.16662999999 | 967 | 967 | 292117.45260000066 Autres liquidités | 370954 | 12546.01964 | 90022.14362 | 149224 | 304532.49176 | 1011703.87066 | 1938982.52568 | 17080.15477 | 17080.15477 | 9304 | 9304 | 1965366.6804499999 24874241 | 864498.86885 | 5919069.1142 | 5921669 | 23322503.75764 | 32637111.16602 | 93539092.90671001 | 674583.26615 | 674583.26615 | 1411621 | 1411621 | 95625297.17286003 Bons B.R.H. | 0 | 0 | 0 | 850000 | 750000 | 0 | 1600000 | 0 | 0 | 0 | 0 | 1600000 Bons du Trésor / M.E.F. | 27600000 | 1570000 | 0 | 0 | 0 | 7100000 | 36270000 | 0 | 0 | 0 | 0 | 36270000 Autres Placements | 1386712 | 200000 | 860572.1554400001 | 2649804 | 10357549.24972 | 12543144.471080001 | 27997781.87624 | 1159417.27507 | 1159417.27507 | 0 | 0 | 29157199.15131 Portefeuille net | 14273730 | -414134.2992999999 | 5449293.739409999 | 5327360 | 14478603.039 | 17228852.32314 | 56343704.80225 | 2299434.54112 | 2299434.54112 | 96667 | 96667 | 58739806.34337 Immobilisations | 2970057.9984100005 | 295167.5239 | 5218442.34454 | 1681087 | 6326254.68509 | 4227954.076599999 | 20718963.628539998 | 577804.8826 | 577804.8826 | 250673 | 250673 | 21547441.511139996 Autres actifs | 2621931 | 54097.82301 | 1215882.895837265 | 1639950 | 4208909.80932 | 4296216.57832 | 14036988.106487267 | 384605.9930100001 | 384605.9930100001 | 52286 | 52286 | 14473880.099497266 73726671.99841 | 2569629.91646 | 18663260.249427263 | 18069870 | 59443820.54077 | 78033278.61515999 | 250506531.3202273 | 5095845.957950001 | 5095845.957950001 | 1811247 | 1811247 | 257413624.27817726 PASSIF Dépôts À vue | 24768314 | 910848.4245600001 | 6586715.344609999 | 4464996 | 21568003.484199993 | 21589963.10457 | 79888840.35793999 | 593488.10876 | 593488.10876 | 953276 | 953276 | 81435604.46669999 Épargne | 20581319 | 325152.00247 | 2919790.2366799996 | 3035953 | 14152407.271869995 | 20817502.18711 | 61832123.69813 | 284560.29678 | 284560.29678 | 4 | 4 | 62116687.994909994 À terme | 5459889 | 721545.2822199999 | 2207908.25031 | 1991951 | 4779119.865920002 | 4952057.982729999 | 20112471.381180003 | 1053921.07779 | 1053921.07779 | 4428 | 4428 | 21170820.458970003 50809522 | 1957545.70925 | 11714413.8316 | 9492900 | 40499530.62198999 | 47359523.27441 | 161833435.43724996 | 1931969.48333 | 1931969.48333 | 957708 | 957708 | 164723112.92058 Obligations à vue Banques locales | 0 | 0 | 600000 | 650000 | 0 | 0 | 1250000 | 0 | 0 | 0 | 0 | 1250000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3937439 | 225938.91809999998 | 1438532.32547 | 1621196 | 4384236.28369 | 4791253.93835 | 16398596.465610001 | 173942.33189 | 173942.33189 | 206912 | 206912 | 16779450.7975 3937439 | 225938.91809999998 | 2038532.32547 | 2271196 | 4384236.28369 | 4791253.93835 | 17648596.46561 | 173942.33189 | 173942.33189 | 206912 | 206912 | 18029450.7975 Obligations à terme Banques locales | 2160947 | 0 | 0 | 418290 | 2413368.7060100003 | 3524057.6369899996 | 8516663.343 | 1601473.02019 | 1601473.02019 | 0 | 0 | 10118136.36319 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3723159 | 1027101.42451 | 125758.13982000004 | 57618 | -783894.90974 | 2027222.7517900001 | 6176964.4063800005 | 53974.12326000002 | 53974.12326000002 | 54237 | 54237 | 6285175.52964 5884106 | 1027101.42451 | 125758.13982000004 | 475908 | 1629473.7962700003 | 5551280.38878 | 14693627.74938 | 1655447.14345 | 1655447.14345 | 54237 | 54237 | 16403311.892830001 Autres passifs | 1199406 | 28391.93418 | 1373068.1685571398 | 387035 | 1335077.8910599998 | 198848.09988999998 | 4521827.09368714 | 230515.79676 | 230515.79676 | 0 | 0 | 4752342.890447141 61830473 | 3238977.98604 | 15251772.465447139 | 12627039 | 47848318.593009986 | 57900905.70143 | 198697486.7459271 | 3991874.7554299994 | 3991874.7554299994 | 1218857 | 1218857 | 203908218.50135714 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12554050 | 21472205.76157 | 300000 | 300000 | 103837 | 103837 | 21876042.76157 Réserves | 2967392 | 58117.833620000005 | 1613369.4674000002 | 554644 | 3314796.1687700003 | 771720.2943599999 | 9280039.764150001 | 364431.13370999997 | 364431.13370999997 | 59288 | 59288 | 9703758.897860002 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 53802.03257 | 1198554.27904 | 1384 | 0 | 0 | 1253740.31161 | 0 | 0 | 0 | 0 | 1253740.31161 BNR | 5931199 | -835796.24225 | -189139.47433000006 | 2810125 | 5318461.358069999 | 6883806.747630001 | 19918656.38912 | 442783.15223 | 442783.15223 | 430034 | 430034 | 20791473.54135 11898591 | -558876.37606 | 3350940.03368 | 5391153 | 11633257.52684 | 20209577.04199 | 51924642.226449996 | 1107214.2859399999 | 1107214.2859399999 | 593159 | 593159 | 53625015.51239 73729064 | 2680101.6099799997 | 18602712.49912714 | 18018192 | 59481576.11984999 | 78110482.74342 | 250622128.9723771 | 5099089.041369999 | 5099089.041369999 | 1812016 | 1812016 | 257533234.01374716 118424759 | 5387250.202809999 | 47065982.14547142 | 50501770 | 160375251.948454 | 231643904.24341577 | 613398917.5401511 | 11768408.932319716 | 11768408.932319716 | 5782896 | 5782896 | 630950222.472471 [bilsysbansept. 23] SYSTÈME DANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ DILAN PAR DANQUE (DEVISES ET GOURDES) AU 30 septembre 2023 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF DisponiDilités Encaisse | 5202458 | 473328.30694 | 5406709.096419216 | 2006934 | 4569971.5394 | 11154262.590012066 | 28813663.532771282 | 40727.73661 | 40727.73661 | 159 | 159 | 28854550.26938128 Avoirs à la BRH | 38537903 | 1528830.91744 | 12510744.087535687 | 17902174 | 67120772.75876 | 92257714.23143116 | 229858138.99516684 | 1977401.7173199998 | 1977401.7173199998 | 4833057 | 4833057 | 236668597.71248683 Avoirs à l'étranger | 2846616 | 0 | 1798612.9856990161 | 6896424 | 7145316.13412 | 14952300.432630884 | 33639269.5524499 | 0 | 0 | 605803 | 605803 | 34245072.5524499 Avoirs dans les banques locales | 0 | 0 | 383529.49003965396 | 46744 | 55650.81 | 7876.384950005764 | 493800.6849896597 | 247519.05956999998 | 247519.05956999998 | 4538 | 4538 | 745857.7445596596 Autres liquidités | 689028 | 6533.65276 | 936347.7424438801 | 449999 | 1136579.96884 | 1924732.049203826 | 5143220.413247706 | 35196.95591 | 35196.95591 | 7881 | 7881 | 5186298.369157706 47276005 | 2008692.87714 | 21035943.40213745 | 27302275 | 80028291.21112001 | 120296885.68822795 | 297948093.17862535 | 2300845.46941 | 2300845.46941 | 5451438 | 5451438 | 305700376.6480354 Bons B.R.H. | 0 | 0 | 0 | 550000 | 2000000 | 0 | 2550000 | 0 | 0 | 0 | 0 | 2550000 Bons du Trésor / M.E.F. | 27300000 | 1895000 | 0 | 0 | 0 | 5500000 | 34695000 | 0 | 0 | 0 | 0 | 34695000 Autres Placements | 17800872 | 0 | 6833550.420347888 | 5084498 | 39031329.81307 | 47903911.75169052 | 116654161.9851084 | 2750084.95352 | 2750084.95352 | 0 | 0 | 119404246.9386284 Portefeuille net | 19908570 | 300528.43588976003 | 11906854.07882657 | 12765083 | 35159796.225317 | 49966146.876399994 | 130006978.61643332 | 5065652.31197 | 5065652.31197 | 96667 | 96667 | 135169297.92840332 Immobilisations | 2932656.99713 | 293787.65399999986 | 4163886.6607300006 | 1625295 | 6319104.23212 | 4103023.9034900004 | 19437754.447470002 | 613993.33015 | 613993.33015 | 260985 | 260985 | 20312732.777620003 Autres actifs | 2941183 | 1252064.0552100001 | 1548027.2390661077 | 1614749 | 4171740.8601599997 | 4613439.317212492 | 16141203.4716486 | 1574248.2939099998 | 1574248.2939099998 | 48050 | 48050 | 17763501.7655586 118159286.99713 | 5750073.0222397605 | 45488261.80110802 | 48941900 | 166710262.341787 | 232383407.53702095 | 617433191.6992856 | 12304824.358960003 | 12304824.358960003 | 5857140 | 5857140 | 635595156.0582457 PASSIF Dépôts À vue | 42894374 | 2216737.34825 | 17183701.301108867 | 17653506 | 66851621.98321013 | 91967749.65621388 | 238767690.2887829 | 3758429.907600661 | 3758429.907600661 | 3717191 | 3717191 | 246243311.19638357 Épargne | 37061115 | 585438.6293 | 8502496.641628861 | 10655270 | 46096970.985103056 | 74653581.77466455 | 177554873.03069645 | 1233477.541539746 | 1233477.541539746 | 608714 | 608714 | 179397064.5722362 À terme | 12252822 | 2090383.56162 | 12342498.979187675 | 9885914 | 26111872.899440005 | 26741316.598868273 | 89424808.03911597 | 3439491.6520742616 | 3439491.6520742616 | 4427 | 4427 | 92868726.69119023 92208311 | 4892559.53917 | 38028696.9219254 | 38194690 | 139060465.8677532 | 193362648.0297467 | 505747371.3585953 | 8431399.10121467 | 8431399.10121467 | 4330332 | 4330332 | 518509102.45981 Obligations à vue Banques locales | 0 | 0 | 0 | 650000 | 0 | 0 | 650000 | 0 | 0 | 0 | 0 | 650000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4774339 | 292745.29181 | 2667404.6833660565 | 2499539 | 10171863.605129998 | 8639401.288551684 | 29045292.868857738 | 319567.40705000004 | 319567.40705000004 | 854494 | 854494 | 30219354.275907736 4774339 | 292745.29181 | 2667404.6833660565 | 3149539 | 10171863.605129998 | 8639401.288551684 | 29695292.868857738 | 319567.40705000004 | 319567.40705000004 | 854494 | 854494 | 30869354.275907736 Obligations à terme Banques locales | 2351169 | 0 | 0 | 435058 | 2496252.96759 | 3373557.81487 | 8656037.78246 | 1629711.3931 | 1629711.3931 | 0 | 0 | 10285749.175560001 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.64 | 0 | 0.64 | 0 | 0 | 0 | 0 | 0.64 Autres | 6513249 | 910672.71407 | 680626.682075758 | 277921 | 821636.49 | 5253648.940368953 | 14457754.82651471 | 382463.73716999986 | 382463.73716999986 | 114104 | 114104 | 14954322.56368471 8864418 | 910672.71407 | 680626.682075758 | 712979 | 3317890.0975900004 | 8627206.755238954 | 23113793.24897471 | 2012175.1302699998 | 2012175.1302699998 | 114104 | 114104 | 25240072.37924471 Autres passifs | 850695 | 38573.493019999994 | 1476006.308744419 | 1720229 | 3063494.0501900003 | 2348766.45693578 | 9497764.3088902 | 474091.4677100001 | 474091.4677100001 | 0 | 0 | 9971855.776600199 106697763 | 6134551.03807 | 42852734.59611163 | 43777437 | 155613713.6206632 | 212978022.53047314 | 568054221.7853179 | 11237233.10624467 | 11237233.10624467 | 5298930 | 5298930 | 584590384.8915626 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12561550 | 21479705.76157 | 300000 | 300000 | 103837 | 103837 | 21883542.76157 Réserves | 2967392 | 238291.42462 | 385845 | 554644 | 2432800.08077 | 771920.1329499999 | 7350892.638339999 | 343798.58571 | 343798.58571 | 59288 | 59288 | 7753979.224049999 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 239502.03257 | 1198554 | 1384 | 0 | 0 | 1439440.03257 | 0 | 0 | 0 | 0 | 1439440.03257 BNR | 5494132 | -1027271.47302 | 322972.41509 | 2583435 | 5663748.682250003 | 6071914.87697 | 19108931.501290005 | 423792.66690999997 | 423792.66690999997 | 395085 | 395085 | 19927809.168200005 11461524 | -384478.01583000005 | 2635527.1766600003 | 5164463 | 11096548.763020003 | 19405385.00992 | 49378969.93377 | 1067591.25262 | 1067591.25262 | 558210 | 558210 | 51004771.186390005 118159287 | 5750073.02224 | 45488261.772771634 | 48941900 | 166710262.3836832 | 232383407.54039314 | 617433191.7190881 | 12304824.35886467 | 12304824.35886467 | 5857140 | 5857140 | 635595156.0779527 Hors-bilan Effets à l'encaissement | 1670693 | 0 | 0 | 0 | 14643.749763997997 | 4434.180791275 | 1689770.930555273 | 0 | 0 | 0 | 0 | 1689770.930555273 Crédit documentaire | 0 | 0 | 0 | 0 | 2652074.614870218 | 1881109.1359275752 | 4533183.750797793 | 0 | 0 | 0 | 0 | 4533183.750797793 Autres | 3933127 | 248905.123197079 | 3361981.889064204 | 274169 | 10656889.848709445 | 2316107.008951261 | 20791179.86992199 | 339205.39168 | 339205.39168 | 117292.29325 | 117292.29325 | 21247677.554851986 Portefeuille brut | 23438695 | 1399192.2574197599 | 12144397.018233247 | 13207089 | 38054230.792337 | 51283831.03834999 | 139527435.10634 | 5333683.14358 | 5333683.14358 | 96667 | 96667 | 144957785.24991998 Provisions pour créances douteuses | 3530125 | 1098663.8215299998 | 237542.9394066763 | 442006 | 2894434.56702 | 1317684.16195 | 9520456.489906676 | 268030.83161 | 268030.83161 | 0 | 0 | 9788487.321516676 Portefeuille de crédit improductif | 7272637 | 1270267.95 | 240023.44624192503 | 99035 | 2509006 | 718840.9979300001 | 12109810.394171923 | 221032.08473 | 221032.08473 | 0 | 0 | 12330842.478901923 Dépôts US convertis | 42273455 | 2681755.15236 | 25725925.2796441 | 29327238 | 98515561.09349318 | 147537339.6340167 | 346061274.15951395 | 6662153.567984669 | 6662153.567984669 | 3441799 | 3441799 | 356165226.7274986 Immobilisation /A | 0.255869725276499 | -0.7641208129046847 | 1.5799065544096904 | 0.3147074536113435 | 0.5694657291264146 | 0.21143738716817737 | 0.39364438896844284 | 0.5751202331821145 | 0.5751202331821145 | 0.46753909818885364 | 0.46753909818885364 | 0.39825162048840257 Liquidité en % de l'actif | 0.6311480620377422 | 0.6788944874337333 | 0.4624477297926792 | 0.5690885519360711 | 0.4920410420982169 | 0.5413333379586805 | 0.542881558174925 | 0.18698726631840085 | 0.18698726631840085 | 0.9307337710896444 | 0.9307337710896444 | 0.5395657493283477 Liquidité en % des dépôts | 0.8087774756008708 | 0.7978835711424461 | 0.5531597288727783 | 0.7292185117878951 | 0.5898749921428358 | 0.6505749014611937 | 0.662767841204149 | 0.2728901148895358 | 0.2728901148895358 | 1.258896084642009 | 1.258896084642009 | 0.661406666443856 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 120296885.68822795 | CAPITALBK | 550000 | UNIBK | 49966146.876399994 | UNIBK | 19405385.00992 SOGEBK | 80028291.21112001 | BNC | 0 | SOGEBK | 35159796.225317 | SOGEBK | 11096548.763020003 BNC | 47276005 | SOGEBK | 2000000 | BNC | 19908570 | BNC | 11461524 CAPITALBK | 27302275 | UNIBK | 0 | BUH | 11906854.07882657 | CAPITALBK | 5164463 BUH | 21035943.40213745 | BPH | 0 | CAPITALBK | 12765083 | BUH | 2635527.1766600003 CBNA | 5451438 | BUH | 0 | SOGEBL | 5065652.31197 | SOGEBL | 1067591.25262 SOGEBL | 2300845.46941 | CBNA | 0 | BPH | 300528.43588976003 | CBNA | 558210 BPH | 2008692.87714 | SOGEBL | 0 | CBNA | 96667 | BPH | -384478.01583000005 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 23] SYSTÈME DANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ DILAN PAR DANQUE (DEVISES ET GOURDES) AU 30 juin 2023 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF DisponiDilités Encaisse | 6084079 | 170956.09 | 3741939.03699744 | 2344727 | 5065211.783230001 | 9791079.650810752 | 27197992.561038192 | 31512.97179 | 31512.97179 | 163 | 163 | 27229668.532828193 Avoirs à la BRH | 40122267 | 1598116.9 | 16258681.68 | 18592779 | 63620667.435490005 | 97105828.41358885 | 237298340.42907885 | 2214545.8268299997 | 2214545.8268299997 | 5630291 | 5630291 | 245143177.25590885 Avoirs à l'étranger | 3515123 | 0 | 1742296.66 | 7102287 | 7686307.48335 | 13001291.699347915 | 33047305.84269792 | 0 | 0 | 1522290 | 1522290 | 34569595.84269792 Avoirs dans les banques locales | 0 | 0 | 367138.88 | 43940 | 37839.61 | 959.9298000053135 | 449878.41980000533 | 33949.29496 | 33949.29496 | 4629 | 4629 | 488456.71476000536 Autres liquidités | 779060 | 5994.34 | 1768228.96 | 430316 | 3463706.63003 | 817820.8487991041 | 7265126.778829103 | 16082.33237 | 16082.33237 | 22656 | 22656 | 7303865.111199103 50500529 | 1775067.33 | 23878285.21699744 | 28514049 | 79873732.9421 | 120716980.54234663 | 305258644.031444 | 2296090.4259499996 | 2296090.4259499996 | 7180029 | 7180029 | 314734763.45739406 Bons B.R.H. | 0 | 0 | 0 | 350000 | 500000 | 0 | 850000 | 0 | 0 | 0 | 0 | 850000 Bons du Trésor / M.E.F. | 25400000 | 1730000 | 0 | 0 | 0 | 4300000 | 31430000 | 0 | 0 | 0 | 0 | 31430000 Autres Placements | 19132651 | 120000 | 7235718.824840512 | 5195817 | 38169042.68307001 | 47020996.44127674 | 116874225.94918725 | 2571818.67197 | 2571818.67197 | 0 | 0 | 119446044.62115724 Portefeuille net | 19778441 | 363037.93 | 13924806.15 | 13292627 | 38619878.66272 | 54544401.209139995 | 140523191.95186 | 5254956.125580001 | 5254956.125580001 | 96667 | 96667 | 145874815.07744002 Immobilisations | 3222526 | 248394.93 | 3207718.73105 | 1550532 | 4167084.0956900003 | 3890846.50256 | 16287102.259300001 | 616907.21324 | 616907.21324 | 260985 | 260985 | 17164994.472540002 Autres actifs | 2815779 | 1343924.77 | 1465494.5072627424 | 1546719 | 4901025.161800001 | 4154718.7171115205 | 16227661.156174265 | 1629190.9927599998 | 1629190.9927599998 | 43438 | 43438 | 17900290.148934264 120849926 | 5580424.960000001 | 49712023.430150695 | 50449744 | 166230763.54538003 | 234627943.41243488 | 627450825.3479656 | 12368963.429499999 | 12368963.429499999 | 7581119 | 7581119 | 647400907.7774656 PASSIF Dépôts À vue | 45075486 | 1999408.93 | 20475508.20932164 | 18756061 | 63247960.85782313 | 89537719.17835656 | 239092144.17550132 | 3845653.7063189126 | 3845653.7063189126 | 5268830 | 5268830 | 248206627.88182023 Épargne | 38207660 | 596034.19 | 8736565.325365137 | 11027608 | 47246368.62843681 | 79069203.30030546 | 184883439.4441074 | 1260078.859069456 | 1260078.859069456 | 639081 | 639081 | 186782599.30317688 À terme | 12156891 | 2124351.23 | 10845127.898824416 | 10014114 | 27304816.851204693 | 28667924.48249046 | 91113225.46251957 | 3510197.342768752 | 3510197.342768752 | 4426 | 4426 | 94627848.80528833 95440037 | 4719794.35 | 40057201.4335112 | 39797783 | 137799146.33746463 | 197274846.96115246 | 515088809.08212835 | 8615929.908157121 | 8615929.908157121 | 5912337 | 5912337 | 529617075.9902854 Obligations à vue Banques locales | 0 | 0 | 120000 | 650000 | 0 | 0 | 770000 | 0 | 0 | 0 | 0 | 770000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4208481 | 287787.65 | 3756863.5982176 | 2480403 | 10153256.38101 | 8345114.609280528 | 29231906.238508128 | 279630.98248999997 | 279630.98248999997 | 1043502 | 1043502 | 30555039.220998127 4208481 | 287787.65 | 3876863.5982176 | 3130403 | 10153256.38101 | 8345114.609280528 | 30001906.238508128 | 279630.98248999997 | 279630.98248999997 | 1043502 | 1043502 | 31325039.220998127 Obligations à terme Banques locales | 0 | 0 | 1287406.45 | 451826 | 2578987.37139 | 1800000 | 6118219.82139 | 1660273.44831 | 1660273.44831 | 0 | 0 | 7778493.2697 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.5784 | 0 | 0.5784 | 0 | 0 | 0 | 0 | 0.5784 Autres | 9420145 | 910497.13 | 633535.2374433759 | 225823 | 955989.5996000001 | 6546173.6544472 | 18692163.621490575 | 391369.6351399999 | 391369.6351399999 | 104757 | 104757 | 19188290.256630577 9420145 | 910497.13 | 1920941.6874433758 | 677649 | 3534977.5493900003 | 8346173.6544472 | 24810384.021280576 | 2051643.0834499998 | 2051643.0834499998 | 104757 | 104757 | 26966784.104730576 Autres passifs | 903346 | 30750.73 | 626965.04 | 1809919 | 3570146.2935200003 | 2060756.3958542403 | 9001883.459374242 | 394003.71728 | 394003.71728 | 0 | 0 | 9395887.176654242 109972009 | 5948829.86 | 46481971.75917217 | 45415754 | 155057526.56138462 | 216026891.62073442 | 578902982.8012912 | 11341207.691377122 | 11341207.691377122 | 7060596 | 7060596 | 597304786.4926684 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76 | 2025000 | 3000000 | 12563975 | 21482130.759999998 | 300000 | 300000 | 103837 | 103837 | 21885967.759999998 Réserves | 2148479 | 238291.42 | 385845.75 | 469879 | 2481100.08077 | 890057.7234899999 | 6613652.97426 | 325098.58746 | 325098.58746 | 59288 | 59288 | 6998039.56172 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 200025 | 1198554.28 | 1384 | 0 | 0 | 1399963.28 | 0 | 0 | 0 | 0 | 1399963.28 BNR | 5729438 | -971721.31 | 917495.89 | 2537727 | 5692136.905980002 | 5147019.06783 | 19052095.55381 | 402657.1506500001 | 402657.1506500001 | 357398 | 357398 | 19812150.70446 10877917 | -368404.89 | 3230051.68 | 5033990 | 11173236.986750003 | 18601051.79132 | 48547842.56807 | 1027755.7381100002 | 1027755.7381100002 | 520523 | 520523 | 50096121.30618 120849926 | 5580424.970000001 | 49712023.43917217 | 50449744 | 166230763.54813462 | 234627943.41205442 | 627450825.3693613 | 12368963.429487122 | 12368963.429487122 | 7581119 | 7581119 | 647400907.7988484 Hors-bilan Effets à l'encaissement | 1713713 | 0 | 0 | 0 | 28188.905868746002 | 4644.094596192001 | 1746546.000464938 | 0 | 0 | 0 | 0 | 1746546.000464938 Crédit documentaire | 0 | 0 | 0 | 0 | 2443456.670028416 | 2132761.0567612164 | 4576217.726789633 | 0 | 0 | 0 | 0 | 4576217.726789633 Autres | 4455311 | 212583.73 | 3118928.65 | 208551 | 7007285.681220185 | 2100435.575205488 | 17103095.636425674 | 398240.74218 | 398240.74218 | 0 | 0 | 17501336.378605675 Portefeuille brut | 23532019 | 1458909.45 | 14580651.62 | 13744440 | 41688056.90394 | 55924154.00803 | 150928230.98197 | 5511716.356380001 | 5511716.356380001 | 96667 | 96667 | 156536614.33835 Provisions pour créances douteuses | 3753578 | 1095871.52 | 655845.48 | 451813 | 3068178.24122 | 1379752.7988900002 | 10405039.040110001 | 256760.23080000002 | 256760.23080000002 | 0 | 0 | 10661799.270910002 Portefeuille de crédit improductif | 6817656 | 1323208.65 | 2046252.48 | 195445 | 5048317 | 656027.81257 | 16086906.94257 | 282142.777624656 | 282142.777624656 | 0 | 0 | 16369049.720194656 Dépôts US convertis | 43985256 | 2782857.7 | 28887294.4 | 30531387 | 99587406.8 | 151183435.2 | 356957907.1 | 6784539.8 | 6784539.8 | 4447657 | 4447657 | 368190103.9 Immobilisation /A | 0.29624476818493833 | -0.6742443891013499 | 0.9930858849447263 | 0.3080125308155161 | 0.3729522698419103 | 0.20917346751196217 | 0.33548560343260353 | 0.6002469170101318 | 0.6002469170101318 | 0.5013899481867276 | 0.5013899481867276 | 0.3426411870817328 Liquidité en % de l'actif | 0.6280560651729319 | 0.6281004323369666 | 0.4803321926846995 | 0.5721346970561436 | 0.48350697083911576 | 0.5328307392721278 | 0.5379523468540425 | 0.18563321324678025 | 0.18563321324678025 | 0.9470935623092053 | 0.9470935623092053 | 0.5360121669410375 Liquidité en % des dépôts | 0.7952692746755746 | 0.7426313669789448 | 0.596104679370368 | 0.7252677617745692 | 0.5832672776162773 | 0.6337198201804464 | 0.6553018393719852 | 0.2664936287116471 | 0.2664936287116471 | 1.2144147060629324 | 1.2144147060629324 | 0.6552182306594647 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 120716980.54234663 | CAPITALBK | 350000 | UNIBK | 54544401.209139995 | UNIBK | 18601051.79132 SOGEBK | 79873732.9421 | BNC | 0 | SOGEBK | 38619878.66272 | SOGEBK | 11173236.986750003 BNC | 50500529 | SOGEBK | 500000 | BNC | 19778441 | BNC | 10877917 CAPITALBK | 28514049 | UNIBK | 0 | BUH | 13924806.15 | CAPITALBK | 5033990 BUH | 23878285.21699744 | BPH | 0 | CAPITALBK | 13292627 | BUH | 3230051.68 CBNA | 7180029 | BUH | 0 | SOGEBL | 5254956.125580001 | SOGEBL | 1027755.7381100002 SOGEBL | 2296090.4259499996 | CBNA | 0 | BPH | 363037.93 | CBNA | 520523 BPH | 1775067.33 | SOGEBL | 0 | CBNA | 96667 | BPH | -368404.89 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars 23] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (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 | 0 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 | 50907389 | 3120469.3 | 32124345.8 | 32922100 | 113567580.5 | 175969281.4 | 408611166 | 7530227.3 | 7530227.3 | 3832049 | 3832049 | 419973442.2 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 [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 | 50611711 | 3386945.4436 | 32531242.263402194 | 31424276 | 108500888.9607345 | 166922463.93277547 | 393377527.60051215 | 7630986.763121899 | 7630986.763121899 | 3321405 | 3321405 | 404329919.36363405 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 | 0.446675154564506 | 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 | 43342122 | 2744936.75263 | 26495196.55505655 | 27141824 | 88538517.4464814 | 139122011.7240868 | 327384608.4782548 | 6356459.9129952695 | 6356459.9129952695 | 2787396 | 2787396 | 336528464.3912501 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 [bilsysbajuin 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 11982283 | 315614.78811 | 1113361.989213056 | 993076 | 3495711.0859899996 | 2749285.8549670875 | 20649332.718280144 | 42897.90518 | 42897.90518 | 42580 | 42580 | 20734810.623460144 Avoirs à la BRH | 17747695 | 1635193.81648 | 9439364.16129016 | 10205637 | 37420113.96376 | 49879392.84955875 | 126327396.79108891 | 1729215.8649 | 1729215.8649 | 3909172 | 3909172 | 131965784.6559889 Avoirs à l'étranger | 1202134 | 205346.76658 | 458562.38617860794 | 3218982 | 3407569.6204 | 6343710.650730044 | 14836305.423888652 | 0 | 0 | 809139 | 809139 | 15645444.423888652 Avoirs dans les banques locales | 0 | 0 | 21109.625523824 | 1758 | 6325 | 0 | 29192.625523824 | 113162.24510999999 | 113162.24510999999 | 0 | 0 | 142354.870633824 Autres liquidités | 278630 | 110557.61192 | 55611.311322464 | 289557 | 160621.41852 | 1170631.7272742563 | 2065609.0690367203 | 27190.90036 | 27190.90036 | 251208 | 251208 | 2344007.9693967206 31210742 | 2266712.98309 | 11088009.47352811 | 14709010 | 44490341.08867 | 60143021.08253013 | 163907836.62781826 | 1912466.91555 | 1912466.91555 | 5012099 | 5012099 | 170832402.54336822 Bons B.R.H. | 2700000 | 426000 | 0 | 0 | 0 | 0 | 3126000 | 0 | 0 | 0 | 0 | 3126000 Bons du Trésor / M.E.F. | 6100000 | 292414.23022 | 0 | 0 | 0 | 71682.89429 | 6464097.12451 | 0 | 0 | 0 | 0 | 6464097.12451 Autres Placements | 14866470 | 35010.78178 | 275445.80895409605 | 1840481 | 19691555.809370004 | 29903002.573021054 | 66611965.97312515 | 926427.06897 | 926427.06897 | 0 | 0 | 67538393.04209515 Portefeuille net | 19740447 | 779968.12146 | 14688171.299303299 | 11118727 | 32194562.729650002 | 38529961.175417 | 117051837.32583031 | 4683890.061249999 | 4683890.061249999 | 679685 | 679685 | 122415412.38708031 Immobilisations | 2169508.45983 | 353895.38969 | 932043.11814 | 777888 | 2869940.6394499997 | 2539286.7570399996 | 9642562.364149999 | 554550.66622 | 554550.66622 | 288888 | 288888 | 10486001.030369999 Autres actifs | 2533069.5 | 303682.72689 | 362200.27670878824 | 718008 | 2929500.7683900003 | 3260633.6651251838 | 10107094.937113972 | 180037.43271999998 | 180037.43271999998 | 21460 | 21460 | 10308592.369833972 79320236.95983 | 4457684.2331300005 | 27345869.976634294 | 29164114 | 102175901.03553 | 134447588.1474234 | 376911394.3525477 | 8257372.144709999 | 8257372.144709999 | 6002132 | 6002132 | 391170898.4972576 PASSIF Dépôts À vue | 30754337 | 1893008.27036 | 7073515.86379707 | 9262760 | 33767611.934263065 | 44624601.117652364 | 127375834.1860725 | 2073396.5533099999 | 2073396.5533099999 | 3737546 | 3737546 | 133186776.7393825 Épargne | 20557113 | 453243.14145 | 4063563.12600971 | 5530043 | 28702730.978004172 | 43511240.18425867 | 102817933.42972255 | 768532.71214 | 768532.71214 | 557559 | 557559 | 104144025.14186254 À terme | 10274182 | 1722546.59852 | 9213858.421451889 | 8803045 | 22132008.02482242 | 24578501.850660704 | 76724141.895455 | 2290467.42385 | 2290467.42385 | 49293 | 49293 | 79063902.319305 61585632 | 4068798.01033 | 20350937.411258668 | 23595848 | 84602350.93708965 | 112714343.15257174 | 306917909.51125 | 5132396.6893 | 5132396.6893 | 4344398 | 4344398 | 316394704.2005501 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2964770.5 | 149192.0974 | 1414164.4534648322 | 967747 | 3782334.43556 | 3284028.938525224 | 12562237.424950058 | 140273.03512000002 | 140273.03512000002 | 922190 | 922190 | 13624700.460070057 2964770.5 | 149192.0974 | 1414164.4534648322 | 1367747 | 3782334.43556 | 3284028.938525224 | 12962237.424950058 | 140273.03512000002 | 140273.03512000002 | 922190 | 922190 | 14024700.460070057 Obligations à terme Banques locales | 2530859 | 37499.99983 | 2279178.83241 | 637249 | 3159665.53771 | 2951006.3766099997 | 11595458.74656 | 2037068.24095 | 2037068.24095 | 0 | 0 | 13632526.98751 Banque à l'étranger | 0 | 0 | 0 | 0 | 334971.40664 | 0 | 334971.40664 | 0 | 0 | 0 | 0 | 334971.40664 Autres | 3935010 | 230079.26776 | 271256.548848056 | 138694 | 937864.2086100001 | 905864.650602224 | 6418768.675820281 | 98676.59745 | 98676.59745 | 297097 | 297097 | 6814542.273270281 6465869 | 267579.26759 | 2550435.3812580556 | 775943 | 4432501.152960001 | 3856871.027212224 | 18349198.82902028 | 2135744.8384 | 2135744.8384 | 297097 | 297097 | 20782040.667420283 Autres passifs | 1133403.5 | 16117.721629999998 | 260462.750567728 | 794723 | 1946196.19222 | 2915743.173664944 | 7066646.338082672 | 187183.27197 | 187183.27197 | 0 | 0 | 7253829.610052672 72149675 | 4501687.09695 | 24575999.996549282 | 26534261 | 94763382.71782966 | 122770986.29197413 | 345295992.1033031 | 7595597.83479 | 7595597.83479 | 5563685 | 5563685 | 358455274.93809307 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729502.76157 | 810000 | 1500000 | 6405950 | 12610452.76157 | 250000 | 250000 | 103837 | 103837 | 12964289.76157 Réserves | 929252 | 78594.77100000001 | 345931.59179 | 346086 | 2633808.02281 | 1289213.7989700001 | 5622886.18457 | 305797.94869 | 305797.94869 | 59288 | 59288 | 5987972.13326 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000 Surplus d'apport | 0 | 14325 | 1179547.55698 | 1384 | 376690.93492 | 0 | 1571947.4919000003 | 0 | 0 | 0 | 0 | 1571947.4919000003 BNR | 3081310 | -301922.63482 | 514888.069745 | 1472383 | 2902019.35998 | 3981438.0579000004 | 11650115.852805 | 105976.36108999998 | 105976.36108999998 | 275322 | 275322 | 12031414.213895 7170562 | -44002.86381999997 | 2769869.980085 | 2629853 | 7412518.31771 | 11676601.85687 | 31615402.290845 | 661774.30978 | 661774.30978 | 438447 | 438447 | 32715623.600625 79320237 | 4457684.2331300005 | 27345869.976634283 | 29164114 | 102175901.03553966 | 134447588.14884412 | 376911394.394148 | 8257372.14457 | 8257372.14457 | 6002132 | 6002132 | 391170898.53871804 Hors-bilan Effets à l'encaissement | 1132939 | 0 | 0 | 0 | 30042.307989999998 | 2864.298906772 | 1165845.6068967718 | 0 | 0 | 0 | 0 | 1165845.6068967718 Crédit documentaire | 375940 | 0 | 0 | 0 | 1583434.9459099998 | 1436801.892076672 | 3396176.837986672 | 0 | 0 | 0 | 0 | 3396176.837986672 Autres | 8643090 | 245243.60669952 | 873943.795979488 | 362887 | 4214526.60703 | 1567525.876719824 | 15907216.886428833 | 482992.97388999996 | 482992.97388999996 | 1660053.0692 | 1660053.0692 | 18050262.929518834 Portefeuille brut | 20556136 | 1419406.15287 | 14826167.01645421 | 11168927 | 33221405.85139 | 38865192.023017 | 120057234.04373121 | 4844420.9065499995 | 4844420.9065499995 | 679685 | 679685 | 125581339.95028122 Provisions pour créances douteuses | 815689 | 639438.03141 | 137995.71715091198 | 50200 | 1026843.1217400001 | 335230.8476 | 3005396.7179009123 | 160530.8452999999 | 160530.8452999999 | 0 | 0 | 3165927.563200912 Portefeuille de crédit improductif | 5192962 | 1002610.2359563679 | 147567.001349392 | 71312 | 1989100 | 70059.03913 | 8473610.27643576 | 903999.892 | 903999.892 | 0 | 0 | 9377610.16843576 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.30255766003138945 | -8.042553574186895 | 0.33649345450915286 | 0.2957914377723774 | 0.3871748461778682 | 0.21746795755873058 | 0.30499571934728265 | 0.8379755122321908 | 0.8379755122321908 | 0.6588892158003133 | 0.6588892158003133 | 0.32051967458659947 Liquidité en % de l'actif | 0.5044203539162719 | 0.6696587414434172 | 0.4054729099129876 | 0.5043530552651111 | 0.43542890875216467 | 0.4478674910166034 | 0.46031490783227763 | 0.2316072089321059 | 0.2316072089321059 | 0.8350531111278459 | 0.8350531111278459 | 0.46123702034327874 Liquidité en % des dépôts | 0.6496765674175431 | 0.733663161880059 | 0.5448402326368482 | 0.6233728069446794 | 0.5258759431136026 | 0.5342239709041524 | 0.5652910057566018 | 0.37262648063371706 | 0.37262648063371706 | 1.1536924103178392 | 1.1536924103178392 | 0.5702450049654293 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 60143021.08253013 | BNC | 2700000 | UNIBK | 38529961.175417 | UNIBK | 11676601.85687 SOGEBK | 44490341.08867 | BPH | 426000 | SOGEBK | 32194562.729650002 | BNC | 7170562 BNC | 31210742 | BUH | 0 | BNC | 19740447 | SOGEBK | 7412518.31771 CAPITALBK | 14709010 | SOGEBK | 0 | BUH | 14688171.299303299 | BUH | 2769869.980085 BUH | 11088009.47352811 | UNIBK | 0 | CAPITALBK | 11118727 | CAPITALBK | 2629853 CBNA | 5012099 | CAPITALBK | 0 | SOGEBL | 4683890.061249999 | SOGEBL | 661774.30978 BPH | 2266712.98309 | CBNA | 0 | BPH | 779968.12146 | CBNA | 438447 SOGEBL | 1912466.91555 | SOGEBL | 0 | CBNA | 679685 | BPH | -44002.86381999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbamars 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 10219347 | 293214.81256 | 1064538.969822606 | 769587 | 3880931.9773700004 | 1929812.1157411272 | 18157431.87549373 | 60793.504 | 60793.504 | 82525 | 82525 | 18300750.379493732 Avoirs à la BRH | 18142235 | 1135517.7644500001 | 8656885.216607684 | 9147558 | 34535765.91595 | 47466999.96711744 | 119084961.86412512 | 1530229.82851 | 1530229.82851 | 3693203 | 3693203 | 124308394.69263512 Avoirs à l'étranger | 1090825 | 232343.79689 | 1097033.031506002 | 2945009 | 2735106.4589 | 6276708.831676748 | 14377026.118972749 | 0 | 0 | 1049356 | 1049356 | 15426382.118972749 Avoirs dans les banques locales | 0 | 0 | 20629.760199634 | 1473 | 9803.645629999999 | 0 | 31906.405829634 | 56237.67116 | 56237.67116 | 0 | 0 | 88144.07698963399 Autres liquidités | 416675 | 34550.39956 | 121396.47731007599 | 347994 | 215705.66144999999 | 889524.7425957681 | 2025846.280915844 | 17735.44137 | 17735.44137 | 38825 | 38825 | 2082406.722285844 29869082 | 1695626.77346 | 10960483.455446003 | 13211621 | 41377313.6593 | 56563045.65713108 | 153677172.54533708 | 1664996.4450399997 | 1664996.4450399997 | 4863909 | 4863909 | 160206077.99037707 Bons B.R.H. | 4100000 | 565000 | 200000 | 0 | 0 | 0 | 4865000 | 0 | 0 | 0 | 0 | 4865000 Bons du Trésor / M.E.F. | 8750000 | 355995.12749 | 0 | 0 | 0 | 418365.78854 | 9524360.91603 | 0 | 0 | 0 | 0 | 9524360.91603 Autres Placements | 10059588 | 31089.33607 | 283318.86777200404 | 1744887 | 17879676.08301 | 28865326.476836205 | 58863885.76368821 | 851105.37952 | 851105.37952 | 0 | 0 | 59714991.143208206 Portefeuille net | 17556756.5 | 722392.17602 | 13298521.815699294 | 10321864 | 31577300.622840002 | 35450421.88017 | 108927256.9947293 | 4495599.1914099995 | 4495599.1914099995 | 503049 | 503049 | 113925905.1861393 Immobilisations | 2132170.5222099996 | 319366.44593000005 | 891251.38105 | 785314 | 2849426.6692399997 | 2445558.427 | 9423087.44543 | 542703.82237 | 542703.82237 | 295096 | 295096 | 10260887.2678 Autres actifs | 2496428 | 271507.22206 | 365277.9635391539 | 1128326 | 5531250.350039999 | 3459026.49538748 | 13251816.031026632 | 174556.97959 | 174556.97959 | 31161 | 31161 | 13457534.010616632 74964025.02221 | 3960977.08103 | 25998853.483506456 | 27192012 | 99214967.38443 | 127201744.72506477 | 358532579.69624114 | 7728961.817929999 | 7728961.817929999 | 5693215 | 5693215 | 371954756.5141712 PASSIF Dépôts À vue | 30208280 | 1592597.74068 | 7110121.93054528 | 9139395 | 33195265.592683624 | 43251630.092411 | 124497290.3563199 | 1823062.3843899998 | 1823062.3843899998 | 3711308 | 3711308 | 130031660.7407099 Épargne | 19185109 | 421417.02674 | 3667433.95188314 | 5024319 | 26436872.480796922 | 40150733.39453196 | 94885884.85395202 | 745251.48041 | 745251.48041 | 500470 | 500470 | 96131606.33436202 À terme | 9276546 | 1580947.6429599999 | 7903569.770139838 | 7963769 | 20190589.18565865 | 24601156.218195956 | 71516577.81695445 | 2036690.8854 | 2036690.8854 | 44318 | 44318 | 73597586.70235445 58669935 | 3594962.41038 | 18681125.65256826 | 22127483 | 79822727.2591392 | 108003519.7051389 | 290899753.0272264 | 4605004.7502 | 4605004.7502 | 4256096 | 4256096 | 299760853.77742636 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2391094 | 137439.4435 | 1745932.8454975758 | 848131 | 3183620.3255 | 1683510.2548142478 | 9989727.869311824 | 176817.01948 | 176817.01948 | 894863 | 894863 | 11061407.888791824 2391094 | 137439.4435 | 1745932.8454975758 | 848131 | 3183620.3255 | 1683510.2548142478 | 9989727.869311824 | 176817.01948 | 176817.01948 | 894863 | 894863 | 11061407.888791824 Obligations à terme Banques locales | 2113040 | 49999.99984 | 2327536.13412 | 622163 | 4924646.97991 | 3023024.35248 | 13060410.46635 | 2023255.64181 | 2023255.64181 | 0 | 0 | 15083666.10816 Banque à l'étranger | 0 | 0 | 0 | 0 | 1040299.0017799999 | 0 | 1040299.0017799999 | 0 | 0 | 0 | 0 | 1040299.0017799999 Autres | 3741617 | 204039.33647 | 208158.09206621503 | 89143 | 1361673.7403200003 | 789731.33464254 | 6394362.503498754 | 88060.29406 | 88060.29406 | 105657 | 105657 | 6588079.797558755 5854657 | 254039.33631 | 2535694.226186215 | 711306 | 7326619.72201 | 3812755.6871225396 | 20495071.971628755 | 2111315.93587 | 2111315.93587 | 105657 | 105657 | 22712044.907498755 Autres passifs | 1017117 | 11781.68456 | 220194.148314388 | 1162590 | 1858295.25536 | 1750269.689859218 | 6020247.778093606 | 175475.27938000002 | 175475.27938000002 | 0 | 0 | 6195723.057473606 67932803 | 3998222.87475 | 23182946.872566435 | 24849510 | 92191262.5620092 | 115250055.33693491 | 327404800.64626056 | 7068612.98493 | 7068612.98493 | 5256616 | 5256616 | 339730029.63119054 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 733027.51157 | 810000 | 1500000 | 6405950 | 12613977.51157 | 250000 | 250000 | 103837 | 103837 | 12967814.51157 Réserves | 721981 | 78594.77100000001 | 319739.92462 | 341698 | 2466082.2736 | 1318888.34426 | 5246984.31348 | 290322.19877 | 290322.19877 | 59288 | 59288 | 5596594.51225 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1209904.93985 | 1384 | 376690.93492 | 0 | 1602304.87477 | 0 | 0 | 0 | 0 | 1602304.87477 BNR | 3115241 | -295165.56471999997 | 553234.2349 | 1189420 | 2680931.6139000007 | 4226851.039589999 | 11470512.32367 | 120026.63386999999 | 120026.63386999999 | 273474 | 273474 | 11864012.95754 7031222 | -37245.79371999996 | 2815906.61094 | 2342502 | 7023704.822420001 | 11951689.383849999 | 31127779.023490004 | 660348.83264 | 660348.83264 | 436599 | 436599 | 32224726.856129996 74964025 | 3960977.08103 | 25998853.483506434 | 27192012 | 99214967.3844292 | 127201744.7207849 | 358532579.6697505 | 7728961.81757 | 7728961.81757 | 5693215 | 5693215 | 371954756.48732054 Hors-bilan Effets à l'encaissement | 992903 | 0 | 0 | 0 | 152874.67580000003 | 2274.240087058 | 1148051.915887058 | 0 | 0 | 0 | 0 | 1148051.915887058 Crédit documentaire | 339205 | 0 | 0 | 0 | 1618930.42626 | 1183419.885489608 | 3141555.3117496083 | 0 | 0 | 0 | 0 | 3141555.3117496083 Autres | 10017152 | 254021.018081366 | 686967.210985885 | 463423 | 4832197.41481 | 1366816.714956799 | 17620577.35883405 | 477277.803385 | 477277.803385 | 1660053.0692000003 | 1660053.0692000003 | 19757908.231419053 Portefeuille brut | 18211998.5 | 1358203.95292 | 13405282.29824907 | 10367518 | 32453093.0511 | 35729905.27001 | 111526001.07227907 | 4623686.5651899995 | 4623686.5651899995 | 503049 | 503049 | 116652736.63746907 Provisions pour créances douteuses | 655242 | 635811.7769 | 106760.482549776 | 45654 | 875792.42826 | 279483.38984 | 2598744.0775497756 | 128087.37378 | 128087.37378 | 0 | 0 | 2726831.4513297756 Portefeuille de crédit improductif | 1495429 | 940960.2003641159 | 106344.466741842 | 42823 | 1807058 | 60196.73936 | 4452811.406465958 | 629156.6022300001 | 629156.6022300001 | 0 | 0 | 5081968.008695958 Dépôts US convertis | 62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978931 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933 Immobilisation /A | 0.3032432374073809 | -8.574564105973371 | 0.3165060153584015 | 0.33524581836002704 | 0.40568713254356786 | 0.20462031336796774 | 0.30272276857012637 | 0.821844145919561 | 0.821844145919561 | 0.6758971046658375 | 0.6758971046658375 | 0.3184165784743683 Liquidité en % de l'actif | 0.5698611032070835 | 0.6606001113921067 | 0.42926829302400427 | 0.4858640471326653 | 0.4170470922897609 | 0.4479609267060866 | 0.46876223523049915 | 0.21542303924667666 | 0.21542303924667666 | 0.854334326035465 | 0.854334326035465 | 0.46939966716020504 Liquidité en % des dépôts | 0.7281256064115291 | 0.7278579306962528 | 0.5974202873535982 | 0.5970684058372115 | 0.5183650707018728 | 0.5275884674984334 | 0.5777472538645886 | 0.3615623729742488 | 0.3615623729742488 | 1.1428099836093923 | 1.1428099836093923 | 0.5824490980268053 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 56563045.65713108 | BNC | 4100000 | UNIBK | 35450421.88017 | UNIBK | 11951689.383849999 SOGEBK | 41377313.6593 | BPH | 565000 | SOGEBK | 31577300.622840002 | BNC | 7031222 BNC | 29869082 | BUH | 200000 | BNC | 17556756.5 | SOGEBK | 7023704.822420001 CAPITALBK | 13211621 | SOGEBK | 0 | BUH | 13298521.815699294 | BUH | 2815906.61094 BUH | 10960483.455446003 | UNIBK | 0 | CAPITALBK | 10321864 | CAPITALBK | 2342502 CBNA | 4863909 | CAPITALBK | 0 | SOGEBL | 4495599.1914099995 | SOGEBL | 660348.83264 BPH | 1695626.77346 | CBNA | 0 | BPH | 722392.17602 | CBNA | 436599 SOGEBL | 1664996.4450399997 | SOGEBL | 0 | CBNA | 503049 | BPH | -37245.79371999996 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc.18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 9033083 | 171789.12006000002 | 936195.5229929971 | 711643 | 2934600.8126100004 | 2225294.7669494213 | 16012606.222612418 | 43873.57762 | 43873.57762 | 102454 | 102454 | 16158933.800232418 Avoirs à la BRH | 18577168 | 1036059.12276 | 6812077.946619324 | 8442509 | 32351838.14929 | 43418814.64149393 | 110638466.86016326 | 1373337.94816 | 1373337.94816 | 4980375 | 4980375 | 116992179.80832325 Avoirs à l'étranger | 1535542 | 420285.21962 | 809536.142442291 | 2748317 | 3482506.0780800004 | 5764792.633714011 | 14760979.073856303 | 0 | 0 | 1059358 | 1059358 | 15820337.073856303 Avoirs dans les banques locales | 0 | 0 | 20381.146093474003 | 2113 | 7509.365669999999 | 0 | 30003.511763474 | 114547.79957999999 | 114547.79957999999 | 0 | 0 | 144551.311343474 Autres liquidités | 629530 | 83326.0472 | 5534.282145246001 | 235475 | 174819.34513 | 1040449.4812264551 | 2169134.155701701 | 18128.01823 | 18128.01823 | 53830 | 53830 | 2241092.173931701 29775323 | 1711459.5096399998 | 8583725.040293334 | 12140057 | 38951273.750779994 | 52449351.52338382 | 143611189.82409716 | 1549887.3435899997 | 1549887.3435899997 | 6196017 | 6196017 | 151357094.16768712 Bons B.R.H. | 7550000 | 751000 | 400000 | 0 | 320000 | 0 | 9021000 | 0 | 0 | 0 | 0 | 9021000 Bons du Trésor / M.E.F. | 4525420 | 139156.02476 | 0 | 0 | 0 | 165048.68279 | 4829624.70755 | 0 | 0 | 0 | 0 | 4829624.70755 Autres Placements | 10255433 | 29050.23698 | 376585.850866094 | 1678962 | 16764742.67946 | 26590182.49204907 | 55694956.259355165 | 818296.44007 | 818296.44007 | 0 | 0 | 56513252.69942517 Portefeuille net | 16927589 | 730501.51751 | 12423672.27385414 | 10558877 | 30004764.64312 | 36315495.97061 | 106960900.40509415 | 4456461.4543200005 | 4456461.4543200005 | 509944 | 509944 | 111927305.85941415 Immobilisations | 2066845.3706900002 | 307608.41051 | 762474.3640000001 | 793098 | 2883937.75426 | 2420480.15645 | 9234444.05591 | 531664.78536 | 531664.78536 | 298281 | 298281 | 10064389.84127 Autres actifs | 2278947 | 261822.96198 | 335728.328416596 | 635637 | 3364180.3842200004 | 3861660.820223915 | 10737976.494840512 | 150853.99872000003 | 150853.99872000003 | 31791 | 31791 | 10920621.493560512 73379557.37069 | 3930598.66138 | 22882185.857430164 | 25806631 | 92288899.21184 | 121802219.64550681 | 340090091.7468469 | 7507164.022060001 | 7507164.022060001 | 7036033 | 7036033 | 354633288.7689069 PASSIF Dépôts À vue | 30616034 | 1653907.58055 | 5659380.822246235 | 8746627 | 29952248.416572273 | 43310024.071331784 | 119938221.8907003 | 1856295.49885 | 1856295.49885 | 5024173 | 5024173 | 126818690.3895503 Épargne | 18239741 | 403268.26254 | 3402021.1203855285 | 4652582 | 25379429.74964194 | 37375169.12160332 | 89452211.25417078 | 744706.2467700001 | 744706.2467700001 | 449851 | 449851 | 90646768.50094077 À terme | 8487823.39 | 1495458.1973299999 | 7402074.233615539 | 7479794 | 19271174.773094084 | 23789733.763962902 | 67926058.35800251 | 1869191.6593899997 | 1869191.6593899997 | 41728 | 41728 | 69836978.01739252 57343598.39 | 3552634.04042 | 16463476.176247302 | 20879003 | 74602852.9393083 | 104474926.956898 | 277316491.50287354 | 4470193.40501 | 4470193.40501 | 5515752 | 5515752 | 287302436.9078836 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 2275810.1933500003 | 2575810.1933500003 | 0 | 0 | 0 | 0 | 2575810.1933500003 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2233417 | 143684.65585 | 968799.44096246 | 882557 | 3259001.1612299997 | 1528920.7969596423 | 9016380.055002103 | 135087.39135 | 135087.39135 | 1009568 | 1009568 | 10161035.446352102 2233417 | 143684.65585 | 968799.44096246 | 1182557 | 3259001.1612299997 | 3804730.9903096426 | 11592190.248352103 | 135087.39135 | 135087.39135 | 1009568 | 1009568 | 12736845.639702102 Obligations à terme Banques locales | 2154220 | 62499.99985 | 2375893.43583 | 572090 | 2017389.03244 | 0 | 7182092.46812 | 1909101.16527 | 1909101.16527 | 0 | 0 | 9091193.63339 Banque à l'étranger | 0 | 0 | 0 | 0 | 2233685.36856 | 0 | 2233685.36856 | 0 | 0 | 0 | 0 | 2233685.36856 Autres | 3738178 | 200514.28162 | 246350.13919569098 | 109496 | 1084813.9620299998 | 530526.76403353 | 5909879.146879221 | 79292.39699000001 | 79292.39699000001 | 97126 | 97126 | 6086297.543869222 5892398 | 263014.28147 | 2622243.5750256907 | 681586 | 5335888.36303 | 530526.76403353 | 15325656.983559221 | 1988393.56226 | 1988393.56226 | 97126 | 97126 | 17411176.545819223 Autres passifs | 1099512 | 7804.6824400000005 | 236814.15382619202 | 782082 | 1975846.9746 | 1749540.4085097162 | 5851600.219375908 | 164346.62674 | 164346.62674 | 0 | 0 | 6015946.846115909 66568925.39 | 3967137.66018 | 20291333.346061647 | 23525228 | 85173589.4381683 | 110559725.11975089 | 310085938.9541608 | 6758020.98536 | 6758020.98536 | 6622446 | 6622446 | 323466405.93952084 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729924.2646 | 810000 | 1500000 | 6431912.5 | 12636836.7646 | 250000 | 250000 | 103837 | 103837 | 12990673.7646 Réserves | 721981 | 78594.77100000001 | 266622.46907 | 279593 | 2261528.10928 | 764605.71795 | 4372925.067299999 | 302262.08444 | 302262.08444 | 59288 | 59288 | 4734475.15174 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1141670.62557 | 1384 | 376690.93492 | 0 | 1534070.56049 | 0 | 0 | 0 | 0 | 1534070.56049 BNR | 2894651 | -294458.76979999995 | 452635.1521446 | 1190426 | 2977090.729479999 | 4045976.30802 | 11266320.419844598 | 196880.95242 | 196880.95242 | 250462 | 250462 | 11713663.372264598 6810632 | -36538.99879999994 | 2590852.5113846003 | 2281403 | 7115309.773679999 | 11242494.525969999 | 30004152.812234595 | 749143.03686 | 749143.03686 | 413587 | 413587 | 31166882.8490946 73379557.39 | 3930598.6613800004 | 22882185.857446246 | 25806631 | 92288899.2118483 | 121802219.64572088 | 340090091.76639533 | 7507164.022220001 | 7507164.022220001 | 7036033 | 7036033 | 354633288.78861535 Hors-bilan Effets à l'encaissement | 907521 | 0 | 0 | 0 | 163256.20395 | 18390.350251979 | 1089167.554201979 | 0 | 0 | 0 | 0 | 1089167.554201979 Crédit documentaire | 341342 | 0 | 0 | 0 | 1366941.83391 | 1222879.504750739 | 2931163.3386607394 | 0 | 0 | 0 | 0 | 2931163.3386607394 Autres | 11126198 | 215805.56107147303 | 2506057.600013139 | 446713 | 5704283.398820001 | 1894680.824758106 | 21893738.384662718 | 382897.31029000005 | 382897.31029000005 | 1660053.0692 | 1660053.0692 | 23936688.76415272 Portefeuille brut | 17495759 | 1372563.06262 | 12502971.995279819 | 10604323 | 30816604.357869998 | 36569648.65254 | 109361870.06830981 | 4577759.0743 | 4577759.0743 | 509944 | 509944 | 114449573.14260982 Provisions pour créances douteuses | 568170 | 642061.54511 | 79299.721425678 | 45446 | 811839.71475 | 254152.68193 | 2400969.663215678 | 121297.61998 | 121297.61998 | 0 | 0 | 2522267.283195678 Portefeuille de crédit improductif | 1400801 | 907810.8677802401 | 48507.753128644 | 50638 | 483680 | 50182.00129 | 2941619.6221988844 | 398628.24216 | 398628.24216 | 0 | 0 | 3340247.8643588843 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.30347335910822965 | -8.418632710593059 | 0.29429477774190993 | 0.3476360818321007 | 0.4053144340851998 | 0.21529742806267116 | 0.3077721978587088 | 0.7096972930409251 | 0.7096972930409251 | 0.7212049701755616 | 0.7212049701755616 | 0.3229193593084132 Liquidité en % de l'actif | 0.570332453609436 | 0.6618878594658134 | 0.3926078171144735 | 0.470423938715596 | 0.42552543248605323 | 0.4319658571026273 | 0.463000300075949 | 0.20645443992373344 | 0.20645443992373344 | 0.8806122711476765 | 0.8806122711476765 | 0.465855079337724 Liquidité en % des dépôts | 0.7298241508209614 | 0.7323060874833117 | 0.5456760737598426 | 0.581448117996822 | 0.5264044497430732 | 0.503607915685649 | 0.5678054474088697 | 0.3467159478721777 | 0.3467159478721777 | 1.1233313245410599 | 1.1233313245410599 | 0.5750306911883483 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 52449351.52338382 | BNC | 7550000 | UNIBK | 36315495.97061 | UNIBK | 11242494.525969999 SOGEBK | 38951273.750779994 | BPH | 751000 | SOGEBK | 30004764.64312 | SOGEBK | 7115309.773679999 BNC | 29775323 | BUH | 400000 | BNC | 16927589 | BNC | 6810632 CAPITALBK | 12140057 | SOGEBK | 320000 | BUH | 12423672.27385414 | BUH | 2590852.5113846003 BUH | 8583725.040293334 | UNIBK | 0 | CAPITALBK | 10558877 | CAPITALBK | 2281403 CBNA | 6196017 | CAPITALBK | 0 | SOGEBL | 4456461.4543200005 | SOGEBL | 749143.03686 BPH | 1711459.5096399998 | CBNA | 0 | BPH | 730501.51751 | CBNA | 413587 SOGEBL | 1549887.3435899997 | SOGEBL | 0 | CBNA | 509944 | BPH | -36538.99879999994 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept.18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8704118 | 156341.89627000003 | 633571.457662072 | 662390 | 3231924.03163 | 1358763.6363249 | 14747109.02188697 | 41242.64961 | 41242.64961 | 53823 | 53823 | 14842174.67149697 Avoirs à la BRH | 16208877 | 973311.89836 | 6668594.875817301 | 7980137 | 30082965.03723 | 41662387.0014197 | 103576272.81282699 | 1288027.99239 | 1288027.99239 | 4283082 | 4283082 | 109147382.805217 Avoirs à l'étranger | 523376 | 143346.31372 | 583225.29673392 | 1533599 | 2148084.07039 | 3033594.8964456515 | 7965225.577289571 | 0 | 0 | 1126364 | 1126364 | 9091589.57728957 Avoirs dans les banques locales | 0 | 0 | 20053.356545436 | 1524 | 7870.54654 | 0 | 29447.903085436 | 1111022.35781 | 1111022.35781 | 0 | 0 | 1140470.260895436 Autres liquidités | 209237 | 24261.7074 | 239978.29635888204 | 259499 | 72354.36994 | 1046555.779516078 | 1851886.15321496 | 22518.72334 | 22518.72334 | 123677 | 123677 | 1998081.87655496 25645608 | 1297261.8157499998 | 8145423.283117611 | 10437149 | 35543198.05573 | 47101301.31370633 | 128169941.46830393 | 2462811.72315 | 2462811.72315 | 5586946 | 5586946 | 136219699.19145393 Bons B.R.H. | 9145000 | 760000 | 700000 | 440000 | 1294000 | 600000 | 12939000 | 0 | 0 | 0 | 0 | 12939000 Bons du Trésor / M.E.F. | 4258000 | 177156.92203 | 0 | 0 | 0 | 207564.91037 | 4642721.8324 | 0 | 0 | 0 | 0 | 4642721.8324 Autres Placements | 8683614 | 26281.59406 | 382487.24938199413 | 1481788 | 16069323.339030001 | 27069440.0545805 | 53712934.2370525 | 123093.20361999999 | 123093.20361999999 | 0 | 0 | 53836027.4406725 Portefeuille net | 15966768 | 674025.62975 | 11190428.308710668 | 9273951 | 28261873.66338 | 32150952.53642 | 97517999.13826068 | 4151627.7225300004 | 4151627.7225300004 | 553590 | 553590 | 102223216.86079068 Immobilisations | 2036781.97483 | 308858.18678 | 721694.0708100001 | 790514 | 2999691.31537 | 2422617.05044 | 9280156.59823 | 514471.53456999996 | 514471.53456999996 | 302272 | 302272 | 10096900.1328 Autres actifs | 1839928 | 235905.64195999998 | 234645.417555088 | 603112 | 2475671.40319 | 3548144.1343469657 | 8937406.597052053 | 140040.28505 | 140040.28505 | 34358 | 34358 | 9111804.882102052 67575699.97483 | 3479489.7903299998 | 21374678.329575364 | 23026514 | 86643757.77669999 | 113100019.99986379 | 315200159.87129915 | 7392044.46892 | 7392044.46892 | 6477166 | 6477166 | 329069370.34021914 PASSIF Dépôts À vue | 28522464 | 1335346.15062 | 5262422.308465518 | 7980053 | 29574742.714907434 | 40287381.000812754 | 112962409.1748057 | 1730865.69429 | 1730865.69429 | 4739019 | 4739019 | 119432293.8690957 Épargne | 16397471 | 365901.3889 | 3108469.806059828 | 4212180 | 23372999.71947191 | 34264998.90383934 | 81722020.81827107 | 657739.9596599999 | 657739.9596599999 | 364548 | 364548 | 82744308.77793106 À terme | 8156986 | 1406671.79929 | 6818159.555605287 | 6693512 | 17746916.266448893 | 22515620.62730308 | 63337866.24864726 | 1979868.1003100001 | 1979868.1003100001 | 38285 | 38285 | 65356019.348957255 53076921 | 3107919.33881 | 15189051.670130633 | 18885745 | 70694658.70082822 | 97068000.53195517 | 258022296.241724 | 4368473.75426 | 4368473.75426 | 5141852 | 5141852 | 267532621.99598402 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 | 2124281.0729300003 | 0 | 0 | 0 | 0 | 2124281.0729300003 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1491568 | 127027.80836 | 794798.0651772621 | 597147 | 2602889.5680500004 | 1640163.74646301 | 7253594.188050272 | 188712.75592999998 | 188712.75592999998 | 893927 | 893927 | 8336233.943980272 1491568 | 127027.80836 | 794798.0651772621 | 597147 | 2602889.5680500004 | 3764444.8193930103 | 9377875.260980273 | 188712.75592999998 | 188712.75592999998 | 893927 | 893927 | 10460515.016910272 Obligations à terme Banques locales | 2195401 | 74999.99986 | 2418975.74916 | 531816 | 1927526.08497 | 0 | 7148718.83399 | 1927471.8386900001 | 1927471.8386900001 | 0 | 0 | 9076190.67268 Banque à l'étranger | 0 | 0 | 0 | 0 | 2195530.95112 | 0 | 2195530.95112 | 0 | 0 | 0 | 0 | 2195530.95112 Autres | 3443739 | 201997.29278 | 213261.76947689598 | 178465 | 725977.00568 | 350813.56125417404 | 5114253.62919107 | 84721.82308999999 | 84721.82308999999 | 85127 | 85127 | 5284102.45228107 5639140 | 276997.29264 | 2632237.5186368963 | 710281 | 4849034.04177 | 350813.56125417404 | 14458503.414301071 | 2012193.6617800002 | 2012193.6617800002 | 85127 | 85127 | 16555824.076081071 Autres passifs | 1039317 | 10134.42926 | 208759.927076994 | 688948 | 1614100.30309 | 1527273.975285982 | 5088533.6347129755 | 132743.0525 | 132743.0525 | 0 | 0 | 5221276.687212976 61246946 | 3522078.8690700005 | 18824847.181021787 | 20882121 | 79760682.61373822 | 102710532.88788833 | 286947208.55171835 | 6702123.224470001 | 6702123.224470001 | 6120906 | 6120906 | 299770237.7761884 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729896.58697 | 810000 | 1500000 | 6431912.5 | 12636809.08697 | 250000 | 250000 | 103837 | 103837 | 12990646.08697 Réserves | 721982 | 78594.77100000001 | 249489.23116 | 262050 | 2453566.88816 | 766444.06311 | 4532126.953430001 | 227443.0225 | 227443.0225 | 59288 | 59288 | 4818857.975930001 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1170040.86098 | 1384 | 371816.94492 | 0 | 1557566.8059 | 0 | 0 | 0 | 0 | 1557566.8059 BNR | 2412772 | -300508.84974 | 400404.46944575 | 1070959 | 2557691.3298499957 | 3191130.5522600003 | 9332448.501815746 | 212478.22163000001 | 212478.22163000001 | 193135 | 193135 | 9738061.723445745 6328754 | -42589.07873999997 | 2549831.14855575 | 2144393 | 6883075.162929996 | 10389487.11537 | 28252951.34811575 | 689921.24413 | 689921.24413 | 356260 | 356260 | 29299132.592245743 67575700 | 3479489.7903300007 | 21374678.329577535 | 23026514 | 86643757.77666822 | 113100020.00325833 | 315200159.8998341 | 7392044.468600001 | 7392044.468600001 | 6477166 | 6477166 | 329069370.2684341 Hors-bilan Effets à l'encaissement | 815323 | 0 | 0 | 0 | 140620.2047 | 1197.311534722 | 957140.516234722 | 0 | 0 | 0 | 0 | 957140.516234722 Crédit documentaire | 244921 | 0 | 0 | 0 | 1615259.18351 | 1037165.801866848 | 2897345.985376848 | 0 | 0 | 0 | 0 | 2897345.985376848 Autres | 10588763 | 220689.186544052 | 1187232.1703575342 | 435120 | 5409543.9882499995 | 1323377.4992928582 | 19164725.844444443 | 607470.4712700001 | 607470.4712700001 | 1660069.13821 | 1660069.13821 | 21432265.45392444 Portefeuille brut | 16505563 | 1309781.84108 | 11256471.881454712 | 9307144 | 28986173.17268 | 32364335.316409998 | 99729469.21162471 | 4280198.45026 | 4280198.45026 | 553590 | 553590 | 104563257.66188471 Provisions pour créances douteuses | 538795 | 635756.21133 | 66043.57274404401 | 33193 | 724299.5093 | 213382.77999 | 2211470.073364044 | 128570.72773 | 128570.72773 | 0 | 0 | 2340040.801094044 Portefeuille de crédit improductif | 673908 | 820987.158933496 | 45101.265297692 | 34217 | 286671 | 31370.140610000002 | 1892254.564841188 | 770945.95816 | 770945.95816 | 0 | 0 | 2663200.523001188 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.32182985384326834 | -7.252051368979676 | 0.2830360242554786 | 0.3686423150980254 | 0.43580685149645926 | 0.23317965781544966 | 0.32846680277347073 | 0.7456960326229054 | 0.7456960326229054 | 0.8484589906248245 | 0.8484589906248245 | 0.34461430218149963 Liquidité en % de l'actif | 0.5778498486074799 | 0.6421684995282265 | 0.4138271999573683 | 0.4723749760819202 | 0.4251569761167049 | 0.42359732760554797 | 0.4624098647672528 | 0.3331705773017115 | 0.3331705773017115 | 0.8625602616946979 | 0.8625602616946979 | 0.46738297418821234 Liquidité en % des dépôts | 0.7356984403824027 | 0.7189436063792899 | 0.5823552039468134 | 0.5759449256568909 | 0.5210746997396344 | 0.4935598339465594 | 0.5648801108418895 | 0.5637693761461523 | 0.5637693761461523 | 1.0865629738078808 | 1.0865629738078808 | 0.5748884748199518 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 47101301.31370629 | BNC | 9145000 | UNIBK | 32150952.53642 | UNIBK | 10389487.11537 SOGEBK | 35543198.05573 | UNIBK | 600000 | SOGEBK | 28261873.66338 | SOGEBK | 6883075.162929996 BNC | 25645608 | SOGEBK | 1294000 | BNC | 15966768 | BNC | 6328754 CAPITALBK | 10437149 | BPH | 760000 | BUH | 11190428.308710668 | BUH | 2549831.14855575 BUH | 8145423.283117611 | BUH | 700000 | CAPITALBK | 9273951 | CAPITALBK | 2144393 CBNA | 5586946 | CAPITALBK | 440000 | SOGEBL | 4151627.7225300004 | SOGEBL | 689921.24413 SOGEBL | 2462811.72315 | CBNA | 0 | BPH | 674025.62975 | CBNA | 356260 BPH | 1297261.8157499998 | SOGEBL | 0 | CBNA | 553590 | BPH | -42589.07873999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7118316 | 136390.76737000002 | 729117.0957474699 | 721191 | 2548700.42477 | 1752951.17155947 | 13006666.45944694 | 29877.03009 | 29877.03009 | 58732 | 58732 | 13095275.489536941 Avoirs à la BRH | 16639929 | 948500.5229199999 | 7414195.52946141 | 7382457 | 28728255.17227 | 40171551.159929 | 101284888.3845804 | 1214023.56489 | 1214023.56489 | 5271244 | 5271244 | 107770155.9494704 Avoirs à l'étranger | 922206 | 24211.79451 | 664322.7302331799 | 1191272 | 2076987.36377 | 3336959.8894631728 | 8215959.777976353 | -669.0700100000013 | -669.0700100000013 | 1496541 | 1496541 | 9711831.707966354 Avoirs dans les banques locales | 0 | 0 | 16916.663047179998 | 1620 | 4208.14563 | 0 | 22744.808677179997 | 1089672.25144 | 1089672.25144 | 0 | 0 | 1112417.06011718 Autres liquidités | 182441 | 36744.92263 | 39397.893485529996 | 282385 | 150974.91644 | 948211.3916864931 | 1640155.124242023 | 29979.27212 | 29979.27212 | 128267 | 128267 | 1798401.3963620232 24862892 | 1145848.0074299998 | 8863949.91197477 | 9578925 | 33509126.02288 | 46209673.61263813 | 124170414.5549229 | 2362883.0485300003 | 2362883.0485300003 | 6954784 | 6954784 | 133488081.6034529 Bons B.R.H. | 10000000 | 776000 | 500000 | 450000 | 980000 | 1020000 | 13726000 | 0 | 0 | 0 | 0 | 13726000 Bons du Trésor / M.E.F. | 2500000 | 93737.8193 | 0 | 0 | 0 | 258414.47129 | 2852152.29059 | 0 | 0 | 0 | 0 | 2852152.29059 Autres Placements | 9313505 | 25128.43595 | 261832.29940209002 | 1308089 | 15497948.76399 | 28282396.96167898 | 54688900.46102107 | 136330.51417 | 136330.51417 | 0 | 0 | 54825230.97519107 Portefeuille net | 15511236 | 673365.37958 | 10177873.303764574 | 8729652 | 26833386.28138 | 31244134.13684 | 93169647.10156457 | 4048458.9616199997 | 4048458.9616199997 | 446815 | 446815 | 97664921.06318457 Immobilisations | 1883974.98378 | 310811.01915 | 630644.0446899999 | 784274 | 2829368.8587999996 | 2406210.10329 | 8845283.009709999 | 475012.2687 | 475012.2687 | 307079 | 307079 | 9627374.278409999 Autres actifs | 1958163 | 220297.57828 | 176016.40473067004 | 493964 | 2754603.84766 | 3572724.44948744 | 9175769.28015811 | 167587.14687 | 167587.14687 | 30652 | 30652 | 9374008.42702811 66029770.98378 | 3245188.23969 | 20610315.964562103 | 21344904 | 82404433.77471 | 112993553.73522456 | 306628166.69796664 | 7190271.93989 | 7190271.93989 | 7739330 | 7739330 | 321557768.63785666 PASSIF Dépôts À vue | 27882354 | 1152054.65129 | 4772338.66415404 | 7209213 | 28031986.905589968 | 39476697.34854499 | 108524644.569579 | 1621684.14077 | 1621684.14077 | 6118083 | 6118083 | 116264411.71034901 Épargne | 15823010 | 345535.96504000004 | 2967135.21163612 | 4113242 | 22743427.463979997 | 35447258.12307984 | 81439608.76373595 | 630924.99854 | 630924.99854 | 359258 | 359258 | 82429791.76227595 À terme | 7645630 | 1363517.5089 | 6624328.219950201 | 6069204 | 16356454.751640435 | 19175262.4079032 | 57234396.888393834 | 1988907.43437 | 1988907.43437 | 36816 | 36816 | 59260120.32276383 51350994 | 2861108.1252300004 | 14363802.095740361 | 17391659 | 67131869.1212104 | 94099217.87952802 | 247198650.22170877 | 4241516.57368 | 4241516.57368 | 6514157 | 6514157 | 257954323.7953888 Obligations à vue Banques locales | 0 | 0 | 300000 | 120000 | 0 | 1716320.48109 | 2136320.48109 | 0 | 0 | 0 | 0 | 2136320.48109 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 3789489.38316326 | 3789489.38316326 | 0 | 0 | 0 | 0 | 3789489.38316326 Autres | 1729753.046 | 128208.15 | 925130.7464368099 | 576731 | 2505758.66863 | 1839783.3020865112 | 7705364.913153321 | 162064.15828 | 162064.15828 | 800583 | 800583 | 8668012.07143332 1729753.046 | 128208.15 | 1225130.74643681 | 696731 | 2505758.66863 | 7345593.166339772 | 13631174.77740658 | 162064.15828 | 162064.15828 | 800583 | 800583 | 14593821.93568658 Obligations à terme Banques locales | 2213200 | 87499.99987 | 2461237.50873 | 540234 | 1917847.1375 | 0 | 7220018.6461000005 | 1912045.62395 | 1912045.62395 | 0 | 0 | 9132064.27005 Banque à l'étranger | 0 | 0 | 0 | 0 | 2084750.13275 | 0 | 2084750.13275 | 0 | 0 | 0 | 0 | 2084750.13275 Autres | 3625557 | 204965.61073000001 | 179288.50623503 | 126408 | 675320.6052500001 | 349155.61428608 | 5160695.33650111 | 102370.11157000001 | 102370.11157000001 | 83150 | 83150 | 5346215.44807111 5838757 | 292465.6106 | 2640526.01496503 | 666642 | 4677917.8755 | 349155.61428608 | 14465464.11535111 | 2014415.7355199999 | 2014415.7355199999 | 83150 | 83150 | 16563029.850871112 Autres passifs | 1109366 | 7817.53298 | 338782.23757552996 | 582380 | 1660091.2034200002 | 1425844.626993551 | 5124281.600969081 | 149584.07757000002 | 149584.07757000002 | 0 | 0 | 5273865.678539081 60028870.046000004 | 3289599.41881 | 18568241.094717734 | 19337412 | 75975636.86876039 | 103219811.28714742 | 280419570.71543556 | 6567580.54505 | 6567580.54505 | 7397890 | 7397890 | 294385041.2604856 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 653212.17525 | 810000 | 1500000 | 6468075 | 12596287.17525 | 250000 | 250000 | 103837 | 103837 | 12950124.17525 Réserves | 671982 | 78594.77100000001 | 103338.59228000001 | 278859 | 2171695.39046 | 759836.37234 | 4064306.12608 | 250864.7255 | 250864.7255 | 59288 | 59288 | 4374458.85158 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 129308.80526000001 | 0 | 0 | 0 | 323308.80526 | 0 | 0 | 0 | 0 | 323308.80526 Surplus d'apport | 0 | 14325 | 837703.73559 | 1384 | 371816.94492000004 | 0 | 1225229.68051 | 0 | 0 | 0 | 0 | 1225229.68051 BNR | 2134919 | -302330.95012 | 318511.56146575 | 917249 | 2385284.570419996 | 2545831.07981 | 7999464.261575746 | 121826.66946 | 121826.66946 | 178315 | 178315 | 8299605.931035746 6000901 | -44411.179119999986 | 2042074.86984575 | 2007492 | 6428796.905799996 | 9773742.45215 | 26208596.048675746 | 622691.39496 | 622691.39496 | 341440 | 341440 | 27172727.443635743 66029771.046000004 | 3245188.23969 | 20610315.964563485 | 21344904 | 82404433.77456039 | 112993553.73929742 | 306628166.7641113 | 7190271.94001 | 7190271.94001 | 7739330 | 7739330 | 321557768.60412127 Hors-bilan Effets à l'encaissement | 768906 | 0 | 0 | 0 | 172505.23075 | 119.24767702999999 | 941530.47842703 | 0 | 0 | 0 | 0 | 941530.47842703 Crédit documentaire | 234175 | 0 | 0 | 0 | 1436202.76976 | 1239643.77992125 | 2910021.54968125 | 0 | 0 | 0 | 0 | 2910021.54968125 Autres | 6056675 | 204674.64703368003 | 1154310.06540479 | 209775 | 4574871.24278 | 1713745.4759088699 | 13914051.43112734 | 394690.89292 | 394690.89292 | 1609612.25489 | 1609612.25489 | 15918354.57893734 Portefeuille brut | 15974102 | 1304751.56067 | 10216940.751188975 | 8763980 | 27756570.31376 | 31442013.917710003 | 95458358.54332899 | 4182898.41008 | 4182898.41008 | 446815 | 446815 | 100088071.95340899 Provisions pour créances douteuses | 462866 | 631386.18109 | 39067.4474244 | 34328 | 923184.03238 | 197879.78087 | 2288711.4417644 | 134439.44846 | 134439.44846 | 0 | 0 | 2423150.8902244 Portefeuille de crédit improductif | 1173944 | 808323.6901603399 | 98744.07697016 | 35518 | 1153771 | 36191.65935 | 3306492.4264804996 | 314604.47419000004 | 314604.47419000004 | 0 | 0 | 3621096.9006704995 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.3139486860023186 | -6.99848608635636 | 0.30882513369239795 | 0.39067353693065776 | 0.44010860822922737 | 0.2461912737183584 | 0.3374954916807506 | 0.7628373742510342 | 0.7628373742510342 | 0.8993644564198688 | 0.8993644564198688 | 0.35430283170432614 Liquidité en % de l'actif | 0.5658491835323505 | 0.6210998185185524 | 0.4543331566617116 | 0.46985102392589817 | 0.4185348341470523 | 0.42027254223020527 | 0.4590203449383446 | 0.32862220904626155 | 0.32862220904626155 | 0.8986286926646105 | 0.8986286926646105 | 0.4666851450354783 Liquidité en % des dépôts | 0.7275982233177414 | 0.7044773348326253 | 0.6519130415164717 | 0.5766514281357518 | 0.5137519105956655 | 0.5046597533331838 | 0.5693743340397595 | 0.5570844785076318 | 0.5570844785076318 | 1.0676414461610304 | 1.0676414461610304 | 0.5817550630129252 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46209673.61263813 | BNC | 10000000 | UNIBK | 31244134.13684 | UNIBK | 9773742.45215 SOGEBK | 33509126.02288 | UNIBK | 1020000 | SOGEBK | 26833386.28138 | SOGEBK | 6428796.905799996 BNC | 24862892 | SOGEBK | 980000 | BNC | 15511236 | BNC | 6000901 CAPITALBK | 9578925 | BPH | 776000 | BUH | 10177873.303764574 | BUH | 2042074.86984575 BUH | 8863949.91197477 | BUH | 500000 | CAPITALBK | 8729652 | CAPITALBK | 2007492 CBNA | 6954784 | CAPITALBK | 450000 | SOGEBL | 4048458.9616199997 | SOGEBL | 622691.39496 SOGEBL | 2362883.0485300003 | CBNA | 0 | BPH | 673365.37958 | CBNA | 341440 BPH | 1145848.0074299998 | SOGEBL | 0 | CBNA | 446815 | BPH | -44411.179119999986 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6031592 | 92345.03558 | 404103.28130177 | 478085 | 1914250.94595 | 1855172.5120332101 | 10775548.77486498 | 27924.89082 | 27924.89082 | 108064 | 108064 | 10911537.66568498 Avoirs à la BRH | 17079352 | 1019060.2563 | 6399986.210961295 | 7175600 | 26655426.425019998 | 39338803.01840079 | 97668227.91068208 | 1185825.98683 | 1185825.98683 | 4836788 | 4836788 | 103690841.89751208 Avoirs à l'étranger | 1439604 | 48075.65661 | 991143.9991919202 | 1712761 | 1597882.6869099997 | 4313974.120918374 | 10103441.463630293 | 4767.53806 | 4767.53806 | 510161 | 510161 | 10618370.001690293 Avoirs dans les banques locales | 0 | 0 | 13467.02246931 | 1568 | 5423.0689 | 0 | 20458.09136931 | 1068974.16112 | 1068974.16112 | 0 | 0 | 1089432.25248931 Autres liquidités | 205674 | 25056.50408 | 7246.863238100001 | 209268 | 147784.59048 | 877155.9362591649 | 1472185.894057265 | 8624.68286 | 8624.68286 | 73807 | 73807 | 1554617.576917265 24756222 | 1184537.45257 | 7815947.377162396 | 9577282 | 30320767.71726 | 46385105.58761153 | 120039862.13460392 | 2296117.25969 | 2296117.25969 | 5528820 | 5528820 | 127864799.39429393 Bons B.R.H. | 11671000 | 762000 | 200000 | 180000 | 900000 | 0 | 13713000 | 0 | 0 | 99933 | 99933 | 13812933 Bons du Trésor / M.E.F. | 1400000 | 108318.71657 | 0 | 0 | 0 | 305097.36554 | 1813416.0821099998 | 0 | 0 | 0 | 0 | 1813416.0821099998 Autres Placements | 9028673 | 24514.18696 | 286084.83625785995 | 1185677 | 15169895.79981 | 32146298.499838274 | 57841143.322866134 | 149574.57472 | 149574.57472 | 0 | 0 | 57990717.89758614 Portefeuille net | 15990462 | 688939.39549 | 9763236.137501052 | 8397578 | 25514227.913650002 | 31420085.99562 | 91774529.44226106 | 4086954.1861800007 | 4086954.1861800007 | 433070 | 433070 | 96294553.62844105 Immobilisations | 1863582.04723 | 312830.51628 | 603581.17661 | 785860 | 2717076.62654 | 2346596.05626 | 8629526.42292 | 338352.94484999997 | 338352.94484999997 | 311960 | 311960 | 9279839.36777 Autres actifs | 2092091 | 217889.88306999998 | 195589.74182714004 | 611805 | 3388669.3844600003 | 7367730.999390305 | 13873776.008747445 | 182859.00086 | 182859.00086 | 32865 | 32865 | 14089500.009607445 66802030.04723 | 3299030.15094 | 18864439.26935845 | 20738202 | 78010637.44172001 | 119970914.50426011 | 307685253.41350853 | 7053857.9663 | 7053857.9663 | 6406648 | 6406648 | 321145759.37980855 PASSIF Dépôts À vue | 30039589 | 1156936.73704 | 4231935.23383516 | 7322635 | 25320197.24360852 | 42601970.81758969 | 110673264.03207338 | 1559658.6929700002 | 1559658.6929700002 | 4799671 | 4799671 | 117032593.72504339 Épargne | 15466545 | 350485.04585999995 | 2805135.00150602 | 3922190 | 21932220.365962278 | 33690621.996159405 | 78167197.4094877 | 616592.7384200001 | 616592.7384200001 | 377700 | 377700 | 79161490.14790769 À terme | 7321687 | 1372696.57207 | 6793070.56732914 | 5824859 | 14682191.086497005 | 21133025.936691374 | 57127530.16258752 | 1976927.66738 | 1976927.66738 | 36029 | 36029 | 59140486.82996752 52827821 | 2880118.3549699998 | 13830140.80267032 | 17069684 | 61934608.69606781 | 97425618.75044048 | 245967991.6041486 | 4153179.0987700005 | 4153179.0987700005 | 5213400 | 5213400 | 255334570.70291862 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1908064.00729 | 1908064.00729 | 0 | 0 | 0 | 0 | 1908064.00729 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1700765.046 | 151541.70262 | 772251.76964505 | 611930 | 3901616.05741 | 5005214.43550374 | 12143319.01117879 | 132122.81705999997 | 132122.81705999997 | 726496 | 726496 | 13001937.828238789 1700765.046 | 151541.70262 | 772251.76964505 | 611930 | 3901616.05741 | 6913278.44279374 | 14051383.01846879 | 132122.81705999997 | 132122.81705999997 | 726496 | 726496 | 14910001.83552879 Obligations à terme Banques locales | 1862640 | 99999.99988 | 2207651.92026 | 521529 | 1879155.84435 | 0 | 6570976.76449 | 1920697.81573 | 1920697.81573 | 0 | 0 | 8491674.580219999 Banque à l'étranger | 0 | 0 | 0 | 0 | 2071179.21385 | 0 | 2071179.21385 | 0 | 0 | 0 | 0 | 2071179.21385 Autres | 3555543 | 203495.03523 | 132388.255692235 | 81788 | 573356.5123299999 | 1293656.0085524002 | 5840226.811804635 | 92261.06797999999 | 92261.06797999999 | 63233 | 63233 | 5995720.879784635 5418183 | 303495.03511 | 2340040.1759522352 | 603317 | 4523691.57053 | 1293656.0085524002 | 14482382.790144635 | 2012958.88371 | 2012958.88371 | 63233 | 63233 | 16558574.673854634 Autres passifs | 1025968 | 8905.17125 | 412148.54462783993 | 584731 | 1505978.0704 | 1455019.003346994 | 4992749.789624834 | 160237.63052 | 160237.63052 | 0 | 0 | 5152987.420144835 60972737.046000004 | 3344060.26395 | 17354581.292895447 | 18869662 | 71865894.39440781 | 107087572.20513362 | 279494507.20238686 | 6458498.43006 | 6458498.43006 | 6003129 | 6003129 | 291956134.6324469 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 550000 | 810000 | 1500000 | 6468737.5 | 12493737.5 | 250000 | 250000 | 103837 | 103837 | 12847574.5 Réserves | 671982 | 78594.77100000001 | 103338.59233000001 | 275299 | 2084680.8441400002 | 1209816.82623 | 4423712.0337000005 | 250864.7255 | 250864.7255 | 59288 | 59288 | 4733864.7592 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 134089.14046 | 0 | 0 | 0 | 328089.14046 | 0 | 0 | 0 | 0 | 328089.14046 Surplus d'apport | 0 | 14325 | 411914.92322000006 | 1384 | 371816.94492000004 | 0 | 799440.8681400002 | 0 | 0 | 0 | 0 | 799440.8681400002 BNR | 1963311 | -302949.88401 | 310515.32050475 | 781857 | 2188245.2580999983 | 5204787.968669999 | 10145766.663264748 | 94494.81087000002 | 94494.81087000002 | 240394 | 240394 | 10480655.474134747 5829293 | -45030.11300999997 | 1509857.9765147502 | 1868540 | 6144743.047159999 | 12883342.2949 | 28190746.20556475 | 595359.53637 | 595359.53637 | 403519 | 403519 | 29189624.741934747 66802030.046000004 | 3299030.15094 | 18864439.269410197 | 20738202 | 78010637.44156781 | 119970914.50003362 | 307685253.4079516 | 7053857.96643 | 7053857.96643 | 6406648 | 6406648 | 321145759.37438166 Hors-bilan Effets à l'encaissement | 732807 | 0 | 0 | 0 | 229189.72185 | 1084.04777059 | 963080.76962059 | 0 | 0 | 0 | 0 | 963080.76962059 Crédit documentaire | 229025 | 0 | 0 | 0 | 1171595.58997 | 1059599.7177549351 | 2460220.307724935 | 0 | 0 | 0 | 0 | 2460220.307724935 Autres | 7357670 | 197867.7882428 | 1108804.73144379 | 250807 | 4240416.835810001 | 1533495.88632875 | 14689062.241825342 | 508046.38917 | 508046.38917 | 1609612.25489 | 1609612.25489 | 16806720.885885343 Portefeuille brut | 16416967 | 1316015.89904 | 9806079.009578366 | 8438054 | 26396742.60609 | 31595048.97841 | 93968907.49311836 | 4216974.225670001 | 4216974.225670001 | 433070 | 433070 | 98618951.71878836 Provisions pour créances douteuses | 426505 | 627076.5035499999 | 42842.872077315005 | 40476 | 882514.6924400001 | 174962.98279 | 2194378.0508573153 | 130020.03949 | 130020.03949 | 0 | 0 | 2324398.090347315 Portefeuille de crédit improductif | 1179838 | 783650.656870255 | 72360.63113907499 | 56114 | 1243259 | 35792.45602 | 3371014.7440293296 | 541304.58489 | 541304.58489 | 0 | 0 | 3912319.3289193297 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.31969263635058315 | -6.947140377163361 | 0.3997602330805075 | 0.4205743521680028 | 0.4421790473070781 | 0.18214186990816222 | 0.3061120255559806 | 0.5683169986878697 | 0.5683169986878697 | 0.7730986644990694 | 0.7730986644990694 | 0.31791567893773864 Liquidité en % de l'actif | 0.5662585698856099 | 0.6228667442019301 | 0.4249237023537041 | 0.4704979727750747 | 0.4002116729347883 | 0.3891793535631804 | 0.440600505590438 | 0.32551226161056307 | 0.32551226161056307 | 0.8785800312425468 | 0.8785800312425468 | 0.44681003651896783 Liquidité en % des dépôts | 0.7160473645127252 | 0.7134624053188967 | 0.5795998386086336 | 0.5716146824979302 | 0.5040924351434901 | 0.47923948086745344 | 0.5511541454340492 | 0.5528577518773546 | 0.5528577518773546 | 1.0796702727586605 | 1.0796702727586605 | 0.5619730539479343 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46385105.58761153 | BNC | 11671000 | UNIBK | 31420085.99562 | UNIBK | 12883342.2949 SOGEBK | 30320767.71726 | SOGEBK | 900000 | SOGEBK | 25514227.913650002 | SOGEBK | 6144743.047159999 BNC | 24756222 | BPH | 762000 | BNC | 15990462 | BNC | 5829293 CAPITALBK | 9577282 | BUH | 200000 | BUH | 9763236.137501052 | CAPITALBK | 1868540 BUH | 7815947.377162396 | CAPITALBK | 180000 | CAPITALBK | 8397578 | BUH | 1509857.9765147502 CBNA | 5528820 | CBNA | 99933 | SOGEBL | 4086954.1861800007 | SOGEBL | 595359.53637 SOGEBL | 2296117.25969 | UNIBK | 0 | BPH | 688939.39549 | CBNA | 403519 BPH | 1184537.45257 | SOGEBL | 0 | CBNA | 433070 | BPH | -45030.11300999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2017 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5793865 | 146586.90623 | 550165.4227070439 | 584647 | 3113529.92235 | 2426080.7133978438 | 12614874.964684887 | 41713.3258 | 41713.3258 | 81171 | 81171 | 12737759.290484887 Avoirs à la BRH | 18202548 | 1046780.94008 | 5702633.632497523 | 6893773 | 25329354.59928 | 37831790.1251374 | 95006880.29699492 | 1150637.70499 | 1150637.70499 | 4069950 | 4069950 | 100227468.00198492 Avoirs à l'étranger | 1429845 | 150176.26925 | 707816.876708502 | 964309 | 1478036.7888000002 | 3222197.732811865 | 7952381.667570367 | 5269.82093 | 5269.82093 | 1823940 | 1823940 | 9781591.488500368 Avoirs dans les banques locales | 0 | 0 | 13399.616140574 | 1318 | 5073.43027 | -1.1005385204043706e-09 | 19791.046410572897 | 1044155.06467 | 1044155.06467 | 0 | 0 | 1063946.111080573 Autres liquidités | 319565 | 53466.35445 | 128749.18041960799 | 316795 | 220252.36606 | 907911.238744707 | 1946739.139674315 | 29120.00459 | 29120.00459 | 228836 | 228836 | 2204695.1442643153 25745823 | 1397010.4700099998 | 7102764.728473251 | 8760842 | 30146247.106760003 | 44387979.81009182 | 117540667.11533508 | 2270895.92098 | 2270895.92098 | 6203897 | 6203897 | 126015460.03631507 Bons B.R.H. | 10165000 | 564000 | 350000 | 50000 | 300000 | 1175000 | 12604000 | 0 | 0 | 239591 | 239591 | 12843591 Bons du Trésor / M.E.F. | 0 | 122899.61384 | 0 | 0 | 0 | 351780.25979 | 474679.87363 | 0 | 0 | 0 | 0 | 474679.87363 Autres Placements | 8790887 | 73919.12973000004 | 292871.371009883 | 1350207 | 14990059.35629 | 31745041.449853785 | 57242985.30688366 | 162818.63527 | 162818.63527 | 0 | 0 | 57405803.94215366 Portefeuille net | 14287127 | 692380.5676200001 | 9211638.355980592 | 8257544 | 24543593.0513 | 29734883.37857 | 86727166.3534706 | 4040562.8353200005 | 4040562.8353200005 | 430283 | 430283 | 91198012.18879059 Immobilisations | 1882994.9980899997 | 314829.99394 | 590425.59849 | 632594 | 2726008.34779 | 2325450.1141299997 | 8472303.052439999 | 329168.88068 | 329168.88068 | 317025 | 317025 | 9118496.93312 Autres actifs | 1924742 | 220685.549 | 193252.42467298004 | 772327 | 2854723.91205 | 6617531.298672923 | 12583262.184395902 | 167603.84123999998 | 167603.84123999998 | 34437 | 34437 | 12785303.025635902 62796573.99809 | 3385725.32414 | 17740952.478626706 | 19823514 | 75560631.77419 | 116337666.31110854 | 295645063.8861552 | 6971050.11349 | 6971050.11349 | 7225233 | 7225233 | 309841346.99964523 PASSIF Dépôts À vue | 27032438 | 1272917.63612 | 4202279.511693414 | 6706634 | 25304037.71587409 | 40913131.0549632 | 105431437.9186507 | 1634687.2883999997 | 1634687.2883999997 | 5650015 | 5650015 | 112716140.2070507 Épargne | 15347028 | 343362.34018 | 2775103.469169634 | 3855200 | 20865532.31098656 | 31989327.131498642 | 75175553.25183484 | 656794.42063 | 656794.42063 | 364705 | 364705 | 76197052.67246483 À terme | 7045528 | 1343516.13591 | 6260221.831634482 | 5577399 | 13521378.873094037 | 21192010.238250945 | 54940054.07888946 | 1814554.26024 | 1814554.26024 | 35269 | 35269 | 56789877.33912946 49424994 | 2959796.11221 | 13237604.81249753 | 16139233 | 59690948.89995469 | 94094468.42471278 | 235547045.24937502 | 4106035.9692699993 | 4106035.9692699993 | 6049989 | 6049989 | 245703070.21864498 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1827296.07516 | 1827296.07516 | 0 | 0 | 0 | 0 | 1827296.07516 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2168141.046 | 149758.74738000002 | 743134.789576174 | 628386 | 3297112.7975100004 | 5482623.645124469 | 12469157.025590643 | 54215.45465 | 54215.45465 | 717062 | 717062 | 13240434.480240643 2168141.046 | 149758.74738000002 | 743134.789576174 | 628386 | 3297112.7975100004 | 7309919.720284469 | 14296453.100750644 | 54215.45465 | 54215.45465 | 717062 | 717062 | 15067730.555400643 Obligations à terme Banques locales | 1210400 | 112499.99989 | 1887494.23357 | 506619 | 1707458.37836 | 0 | 5424471.611819999 | 1850880.21572 | 1850880.21572 | 0 | 0 | 7275351.827539999 Banque à l'étranger | 0 | 0 | 0 | 0 | 2258481.81551 | 0 | 2258481.81551 | 0 | 0 | 0 | 0 | 2258481.81551 Autres | 3497167 | 202094.94953 | 141035.52698290898 | 82635 | 566033.36389 | 1128585.99929777 | 5617551.839700678 | 85912.79778 | 85912.79778 | 61662 | 61662 | 5765126.637480678 4707567 | 314594.94942 | 2028529.760552909 | 589254 | 4531973.55776 | 1128585.99929777 | 13300505.267030679 | 1936793.0135 | 1936793.0135 | 61662 | 61662 | 15298960.280530678 Autres passifs | 958246 | 5620.0818500000005 | 321876.98102073 | 576494 | 1671060.82247 | 1227528.8292848493 | 4760826.714625579 | 183309.98127 | 183309.98127 | 0 | 0 | 4944136.69589558 57258948.046000004 | 3429769.89086 | 16331146.343647344 | 17933367 | 69191096.07769468 | 103760502.97357985 | 267904830.3317819 | 6280354.41869 | 6280354.41869 | 6828713 | 6828713 | 281013897.7504719 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 547726.75 | 540000 | 1500000 | 6469425 | 12222151.75 | 250000 | 250000 | 103837 | 103837 | 12575988.75 Réserves | 490508 | 78594.77100000001 | 75647.80833 | 289755 | 2015094.39426 | 1199002.86208 | 4148602.83567 | 251664.7255 | 251664.7255 | 59288 | 59288 | 4459555.56117 Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 116823.26462999999 | 0 | 0 | 0 | 274040.26463 | 0 | 0 | 0 | 0 | 274040.26463 Surplus d'apport | 0 | 14325 | 411912.05858 | 1384 | 371816.94492000004 | 0 | 799438.0035000001 | 0 | 0 | 0 | 0 | 799438.0035000001 BNR | 1889901 | -301964.33771999995 | 257696.25348475 | 1059008 | 2482624.357320001 | 4908735.47406 | 10296000.747144751 | 189030.96922 | 189030.96922 | 233395 | 233395 | 10718426.71636475 5537626 | -44044.566719999944 | 1409806.13502475 | 1890147 | 6369535.6965000015 | 12577163.33614 | 27740233.60094475 | 690695.69472 | 690695.69472 | 396520 | 396520 | 28827449.29566475 62796574.046000004 | 3385725.32414 | 17740952.478672095 | 19823514 | 75560631.77419469 | 116337666.30971986 | 295645063.9327267 | 6971050.11341 | 6971050.11341 | 7225233 | 7225233 | 309841347.04613656 Hors-bilan Effets à l'encaissement | 701512 | 0 | 0 | 0 | 146892.07829 | 1430.933226478 | 849835.011516478 | 0 | 0 | 0 | 0 | 849835.011516478 Crédit documentaire | 222905 | 0 | 0 | 0 | 1096063.0563299998 | 1058927.816524896 | 2377895.872854896 | 0 | 0 | 0 | 0 | 2377895.872854896 Autres | 3581597 | 200552.64254919902 | 823295.86389332 | 167812 | 3942638.8178800005 | 1792472.305597526 | 10508368.629920047 | 601953.48787 | 601953.48787 | 1535642.5912 | 1535642.5912 | 12645964.708990047 Portefeuille brut | 14774252 | 1315212.96665 | 9252945.46004674 | 8296446 | 25417545.77592 | 29903209.7595 | 88959611.96211673 | 4166249.4277100004 | 4166249.4277100004 | 430283 | 430283 | 93556144.38982673 Provisions pour créances douteuses | 487125 | 622832.39903 | 41307.104066148 | 38902 | 873952.72462 | 168326.38093 | 2232445.608646148 | 125686.59239 | 125686.59239 | 0 | 0 | 2358132.201036148 Portefeuille de crédit improductif | 655272 | 682179.3370174301 | 62271.675968292 | 65382 | 700285 | 43717.43789 | 2209107.4508757223 | 390789.11771 | 390789.11771 | 0 | 0 | 2599896.5685857222 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.3400365062736269 | -7.14798708184455 | 0.41879914111711164 | 0.3346797894555291 | 0.4279759903516853 | 0.18489464213666587 | 0.3054157068147926 | 0.4765758396878979 | 0.4765758396878979 | 0.7995183092908302 | 0.7995183092908302 | 0.3163129987532853 Liquidité en % de l'actif | 0.5718595890452918 | 0.6154988619401158 | 0.420088196361042 | 0.44446418531043486 | 0.4029379637500574 | 0.3946680514210868 | 0.44181135741628014 | 0.32576095193828614 | 0.32576095193828614 | 0.8918034892438763 | 0.8918034892438763 | 0.44969379412782057 Liquidité en % des dépôts | 0.7265721266450735 | 0.7040721741789168 | 0.5629994877500156 | 0.5459269346938606 | 0.5100647194902126 | 0.48796449821722854 | 0.5545361303542468 | 0.5530628416252613 | 0.5530628416252613 | 1.0650412752816576 | 1.0650412752816576 | 0.5670817657506497 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 44387979.81009182 | BNC | 10165000 | UNIBK | 29734883.37857 | UNIBK | 12577163.33614 SOGEBK | 30146247.106760003 | UNIBK | 1175000 | SOGEBK | 24543593.0513 | SOGEBK | 6369535.6965000015 BNC | 25745823 | BPH | 564000 | BNC | 14287127 | BNC | 5537626 CAPITALBK | 8760842 | BUH | 350000 | BUH | 9211638.355980592 | CAPITALBK | 1890147 BUH | 7102764.728473251 | SOGEBK | 300000 | CAPITALBK | 8257544 | BUH | 1409806.13502475 CBNA | 6203897 | CBNA | 239591 | SOGEBL | 4040562.8353200005 | SOGEBL | 690695.69472 SOGEBL | 2270895.92098 | CAPITALBK | 50000 | BPH | 692380.5676200001 | CBNA | 396520 BPH | 1397010.4700099998 | SOGEBL | 0 | CBNA | 430283 | BPH | -44044.566719999944 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2016 AU 30 JUIN 2017 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6120461 | 186228.4284 | 393014.500116084 | 556920 | 2101717.8704 | 1850963.009669528 | 11209304.80858561 | 35311.876520000005 | 35311.876520000005 | 57140 | 57140 | 11301756.68510561 Avoirs à la BRH | 16743080 | 1019554.08985 | 5769782.560208991 | 7484279 | 24656648.037609998 | 36209171.94010833 | 91882515.62777732 | 1155740.41916 | 1155740.41916 | 3540142 | 3540142 | 96578398.04693732 Avoirs à l'étranger | 695772 | 105635.01187 | 279776.801888736 | 1795553 | 1012027.0071799998 | 7992691.934771208 | 11881455.755709944 | 8994.77822 | 8994.77822 | 1189323 | 1189323 | 13079773.533929944 Avoirs dans les banques locales | 0 | 0 | 49766.395315104004 | 2629 | 2649.76213 | 6.556914513566881e-10 | 55045.15744510466 | 1198098.7860899998 | 1198098.7860899998 | 0 | 0 | 1253143.9435351044 Autres liquidités | 206428 | 38840.6475 | 114.51978194399999 | 211918 | 100901.81825 | 671607.1828616039 | 1229810.1683935479 | 16558.78168 | 16558.78168 | 112564 | 112564 | 1358932.950073548 23765741 | 1350258.17762 | 6492454.777310859 | 10051299 | 27873944.49557 | 46724434.06741067 | 116258131.51791154 | 2414704.64167 | 2414704.64167 | 4899169 | 4899169 | 123572005.15958153 Bons B.R.H. | 8000000 | 225000 | 500000 | 171834 | 700000 | 2025000 | 11621834 | 0 | 0 | 49967 | 49967 | 11671801 Bons du Trésor / M.E.F. | 1400000 | 152061.40838 | 0 | 0 | 0 | 445146.04829 | 1997207.45667 | 0 | 0 | 0 | 0 | 1997207.45667 Autres Placements | 10079379 | 523417.55253 | 342757.7963052959 | 970886 | 15298941.68221 | 37630757.90899296 | 64846139.94003826 | 189299.25637000002 | 189299.25637000002 | 0 | 0 | 65035439.19640826 Portefeuille net | 13593650 | 740867.47437 | 7818230.427052463 | 7211596 | 21269509.718200002 | 26443577.17437 | 77077430.79399246 | 3951365.913364 | 3951365.913364 | 597474 | 597474 | 81626270.70735645 Immobilisations | 1836571.7673399998 | 314110.97077 | 545528.51762 | 615064 | 2708558.72596 | 2164730.03415 | 8184564.01584 | 337243.66108000005 | 337243.66108000005 | 325954 | 325954 | 8847761.67692 Autres actifs | 1791567 | 221497.70723000003 | 133141.76085192 | 450591 | 2606509.32316 | 2200823.005816232 | 7404129.797058152 | 156420.22295999998 | 156420.22295999998 | 34039 | 34039 | 7594589.020018152 60466908.76734 | 3527213.2909 | 15832113.27914054 | 19471270 | 70457463.94510001 | 117634468.23902987 | 287389437.5215104 | 7049033.695444 | 7049033.695444 | 5906603 | 5906603 | 300345074.2169544 PASSIF Dépôts À vue | 26783475 | 1310469.47706 | 3973806.1236295123 | 7190901 | 24085786.700159997 | 41637104.492469095 | 104981542.7933186 | 1602173.30403 | 1602173.30403 | 4539996 | 4539996 | 111123712.0973486 Épargne | 14553365 | 331266.65408999997 | 2693040.5456529036 | 3755111 | 21518308.51233 | 30949930.910071168 | 73801022.62214407 | 610910.28469 | 610910.28469 | 331548 | 331548 | 74743480.90683407 À terme | 6648863 | 1412228.76961 | 5358690.393064208 | 5038959 | 12671398.706382459 | 20833567.379743513 | 51963707.24880017 | 2188980.03768 | 2188980.03768 | 34619 | 34619 | 54187306.28648017 47985703 | 3053964.9007599996 | 12025537.062346624 | 15984971 | 58275493.91887245 | 93420602.78228378 | 230746272.66426283 | 4402063.6263999995 | 4402063.6263999995 | 4906163 | 4906163 | 240054499.29066283 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2810876.77429 | 2810876.77429 | 0 | 0 | 0 | 0 | 2810876.77429 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1632955.046 | 160638.7507 | 448972.411659452 | 466944 | 1775785.0536099996 | 2563085.085546856 | 7048380.347516308 | 74215.1897999999 | 74215.1897999999 | 584490 | 584490 | 7707085.537316307 1632955.046 | 160638.7507 | 448972.411659452 | 466944 | 1775785.0536099996 | 5373961.859836856 | 9859257.121806309 | 74215.1897999999 | 74215.1897999999 | 584490 | 584490 | 10517962.311606307 Obligations à terme Banques locales | 1210400 | 137499.99991 | 1728870.00016 | 622214 | 1362668.04227 | 0 | 5061652.04234 | 1687772.72404 | 1687772.72404 | 0 | 0 | 6749424.76638 Banque à l'étranger | 0 | 0 | 0 | 0 | 946012.59597 | 0 | 946012.59597 | 0 | 0 | 0 | 0 | 946012.59597 Autres | 3724864.7199999997 | 210337.6667 | 117594.90473915999 | 110059 | 704529.85684 | 1286798.889191012 | 6154185.037470172 | 80856.59292 | 80856.59292 | 37616 | 37616 | 6272657.630390172 4935264.72 | 347837.66661 | 1846464.9048991601 | 732273 | 3013210.4950800003 | 1286798.889191012 | 12161849.675780173 | 1768629.31696 | 1768629.31696 | 37616 | 37616 | 13968094.992740173 Autres passifs | 1013892 | 6213.01871 | 218841.57137286398 | 602429 | 1793793.8147899997 | 1458256.689337416 | 5093426.09421028 | 170272.81991000002 | 170272.81991000002 | 0 | 0 | 5263698.91412028 55567814.766 | 3568654.33678 | 14539815.9502781 | 17786617 | 64858283.282352455 | 101539620.22064908 | 257860805.55605966 | 6415180.953069999 | 6415180.953069999 | 5528269 | 5528269 | 269804255.50912964 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 547696.5 | 540000 | 1345720 | 3232525 | 8830941.5 | 200000 | 200000 | 103837 | 103837 | 9134778.5 Réserves | 490509 | 78594.77100000001 | 80314.03429 | 271906 | 1907418.11602 | 2434254.06523 | 5262995.98654 | 251452.08089999997 | 251452.08089999997 | 63866 | 63866 | 5578314.06744 Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 87894.04088 | 0 | 0 | 0 | 245111.04088 | 0 | 0 | 0 | 0 | 245111.04088 Surplus d'apport | 0 | 14325 | 411816.88018 | 1384 | 210816.3445 | 0 | 638342.22468 | 0 | 0 | 0 | 0 | 638342.22468 BNR | 1251368 | -299360.81688 | 164575.87350999998 | 871363 | 2135226.2022299985 | 10428068.952370001 | 14551241.211229999 | 182400.66122999997 | 182400.66122999997 | 210631 | 210631 | 14944272.872459998 4899094 | -41441.04587999999 | 1292297.32886 | 1684653 | 5599180.662749998 | 16094848.0176 | 29528631.963329997 | 633852.7421299999 | 633852.7421299999 | 378334 | 378334 | 30540818.705459997 60466908.766 | 3527213.2909 | 15832113.2791381 | 19471270 | 70457463.94510245 | 117634468.23824908 | 287389437.51938957 | 7049033.695199999 | 7049033.695199999 | 5906603 | 5906603 | 300345074.2145896 Hors-bilan Effets à l'encaissement | 654000 | 0 | 0 | 0 | 145502.78106 | 4915.137001511999 | 804417.9180615119 | 0 | 0 | 0 | 0 | 804417.9180615119 Crédit documentaire | 187055 | 0 | 0 | 0 | 1340961.9151700002 | 1109038.300194924 | 2637055.215364924 | 0 | 0 | 0 | 0 | 2637055.215364924 Autres | 3060099 | 196209.412267312 | 954478.5688243199 | 172081 | 3320466.45292 | 1477257.998177736 | 9180592.432189368 | 501240.1031119999 | 501240.1031119999 | 1549364.1630000002 | 1549364.1630000002 | 11231196.698301367 Portefeuille brut | 13976152 | 1347811.18495 | 7865247.511693696 | 7254349 | 22216898.34056 | 26634939.90316 | 79295397.9403637 | 4066488.868044 | 4066488.868044 | 597474 | 597474 | 83959360.80840771 Provisions pour créances douteuses | 382502 | 606943.71058 | 47017.084641232 | 42753 | 947388.62236 | 191362.72879 | 2217967.146371232 | 115122.95468 | 115122.95468 | 0 | 0 | 2333090.101051232 Portefeuille de crédit improductif | 1008213 | 735271.8854934 | 47016.611528908 | 80786 | 788711 | 94421.23238 | 2754419.729402308 | 466977.49000000005 | 466977.49000000005 | 0 | 0 | 3221397.219402308 Dépôts US convertis | 21185728 | 1520065.03864 | 8107416.2889783 | 11272143 | 39189592.84966679 | 66808768.472785726 | 148083713.65007082 | 3352471.66432 | 3352471.66432 | 4175420 | 4175420 | 155611605.3143908 Immobilisation /A | 0.37487987928788463 | -7.57970664349459 | 0.42213854771427717 | 0.36509833182263646 | 0.4837419774609863 | 0.13449832093989517 | 0.27717382999672874 | 0.5320536437954435 | 0.5320536437954435 | 0.861550904756115 | 0.861550904756115 | 0.2897028322079075 Liquidité en % de l'actif | 0.548494071817242 | 0.48971225824544873 | 0.44166275556679513 | 0.525036784965747 | 0.40554886445862753 | 0.41819868659361553 | 0.45192048147162867 | 0.3425582492577238 | 0.3425582492577238 | 0.8378988735149459 | 0.8378988735149459 | 0.4569444462309224 Liquidité en % des dépôts | 0.6911588020290127 | 0.565599030155895 | 0.5814671512015094 | 0.6395465465655208 | 0.4903252220452886 | 0.5265924073552424 | 0.56285707879474 | 0.5485392412750612 | 0.5485392412750612 | 1.0087589833440105 | 1.0087589833440105 | 0.5717077331263737 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46724434.06741067 | BNC | 8000000 | UNIBK | 26443577.17437 | UNIBK | 16094848.0176 SOGEBK | 27873944.49557 | UNIBK | 2025000 | SOGEBK | 21269509.718200002 | SOGEBK | 5599180.662749998 BNC | 23765741 | SOGEBK | 700000 | BNC | 13593650 | BNC | 4899094 CAPITALBK | 10051299 | BUH | 500000 | BUH | 7818230.427052463 | CAPITALBK | 1684653 BUH | 6492454.777310859 | BPH | 225000 | CAPITALBK | 7211596 | BUH | 1292297.32886 CBNA | 4899169 | CAPITALBK | 171834 | SOGEBL | 3951365.913364 | SOGEBL | 633852.7421299999 SOGEBL | 2414704.64167 | CBNA | 49967 | BPH | 740867.47437 | CBNA | 378334 BPH | 1350258.17762 | SOGEBL | 0 | CBNA | 597474 | BPH | -41441.04587999999 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2017 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7720608.266 | 137227.50087 | 449110.743461714 | 506300 | 2123951.26676 | 1946365.827485593 | 12883563.604577305 | 42853.75115 | 42853.75115 | 79710 | 79710 | 13006127.355727306 Avoirs à la BRH | 21448956.89774 | 1264344.57729 | 6149845.501019382 | 6932391 | 26657358.09034 | 32596079.75750554 | 95048975.82389492 | 1210652.6864800001 | 1210652.6864800001 | 2973812 | 2973812 | 99233440.51037492 Avoirs à l'étranger | 823674.04171 | 162257.27963 | 0 | 1853105 | 2689589.52957 | 5486138.179536035 | 11014764.030446036 | 13970.19207 | 13970.19207 | 2341113 | 2341113 | 13369847.222516036 Avoirs dans les banques locales | 0 | 0 | 143179.453943912 | 1699 | 6505.75843 | -7.845021457342227e-10 | 151384.2123739112 | 1166516.08428 | 1166516.08428 | 0 | 0 | 1317900.2966539112 Autres liquidités | 231583.06674 | 34338.01446 | 739104.6784002159 | 229360 | 88490.12394 | 791462.8446714389 | 2114338.7282116553 | 24422.72448 | 24422.72448 | 186914 | 186914 | 2325675.452691655 30224822.272189997 | 1598167.37225 | 7481240.376825224 | 9522855 | 31565894.769039996 | 40820046.60919861 | 121213026.39950383 | 2458415.4384600003 | 2458415.4384600003 | 5581549 | 5581549 | 129252990.83796382 Bons B.R.H. | 5123000 | 470000 | 0 | 0 | 225000 | 0 | 5818000 | 0 | 0 | 0 | 0 | 5818000 Bons du Trésor / M.E.F. | 1400000 | 166642.30565 | 0 | 0 | 0 | 491828.94254 | 2058471.24819 | 0 | 0 | 0 | 0 | 2058471.24819 Autres Placements | 9609898.614929998 | 26046.82363 | 372894.224420778 | 1140489 | 16146507.07451 | 30232007.45770801 | 57527843.19519879 | 429478.54691999994 | 429478.54691999994 | 0 | 0 | 57957321.74211879 Portefeuille net | 13591935.38634 | 1011120.33883 | 7876028.323175008 | 7755127 | 21208596.01848 | 26981513.007810004 | 78424320.074635 | 4165633.50705 | 4165633.50705 | 587187 | 587187 | 83177140.581685 Immobilisations | 1782225.1606199995 | 311163.51572 | 520533.6842700001 | 586044 | 2705681.94012 | 2103157.49154 | 8008805.792269999 | 325468.26604 | 325468.26604 | 330528 | 330528 | 8664802.058309998 Autres actifs | 1750920.89829 | 235541.72526 | 161070.80212029198 | 434443 | 2479095.80935 | 2769750.8148342 | 7830823.049854492 | 177706.39054 | 177706.39054 | 32526 | 32526 | 8041055.440394492 63482802.33236999 | 3818682.08134 | 16411767.410811301 | 19438958 | 74330775.6115 | 103398304.32363081 | 280881289.75965214 | 7556702.149010001 | 7556702.149010001 | 6531790 | 6531790 | 294969781.9086621 PASSIF Dépôts À vue | 29579103.693839997 | 1446933.8147200001 | 3678497.0402112994 | 6981693 | 25451485.828617528 | 33792747.061480224 | 100930460.43886906 | 1738766.54973 | 1738766.54973 | 4784106 | 4784106 | 107453332.98859906 Épargne | 14976419.387929998 | 353528.66336 | 2786704.3437564336 | 4011314 | 22922651.71138147 | 31884807.287343316 | 76935425.39377122 | 683801.86462 | 683801.86462 | 357214 | 357214 | 77976441.25839122 À terme | 6544977.90713 | 1492417.85845 | 6186574.666337195 | 5320934 | 14192708.802825214 | 18105039.117121436 | 51842652.351863846 | 2460690.31445 | 2460690.31445 | 37943 | 37943 | 54341285.66631385 51100500.9889 | 3292880.33653 | 12651776.050304927 | 16313941 | 62566846.342824206 | 83782593.46594498 | 229708538.18450415 | 4883258.728800001 | 4883258.728800001 | 5179263 | 5179263 | 239771059.91330412 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1938329.1063899999 | 1938329.1063899999 | 0 | 0 | 0 | 0 | 1938329.1063899999 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1671396.60114 | 162043.5774 | 596730.341796539 | 494546 | 1848738.1106600005 | 3332548.269568963 | 8106002.900565502 | 108026.49785 | 108026.49785 | 944211 | 944211 | 9158240.398415502 1671396.60114 | 162043.5774 | 596730.341796539 | 494546 | 1848738.1106600005 | 5270877.375958962 | 10044332.006955503 | 108026.49785 | 108026.49785 | 944211 | 944211 | 11096569.504805502 Obligations à terme Banques locales | 1070400 | 149999.99992 | 1608257.08345 | 373385 | 1213415.6621400001 | 0 | 4415457.745510001 | 1716218.9782 | 1716218.9782 | 0 | 0 | 6131676.7237100005 Banque à l'étranger | 0 | 0 | 0 | 0 | 704294.00029 | 0 | 704294.00029 | 0 | 0 | 0 | 0 | 704294.00029 Autres | 4106912.4570999998 | 208077.05383 | 71084.451535817 | 70096 | 600047.5461900001 | 453430.917514034 | 5509648.426169851 | 70336.88308 | 70336.88308 | 35871 | 35871 | 5615856.309249851 5177312.4571 | 358077.05374999996 | 1679341.534985817 | 443481 | 2517757.20862 | 453430.917514034 | 10629400.171969851 | 1786555.86128 | 1786555.86128 | 35871 | 35871 | 12451827.033249851 Autres passifs | 854980.41663 | 2660.7460899999996 | 261927.41645855003 | 630719 | 2132398.48467 | 1299617.5340270088 | 5182303.59787556 | 173450.4977299999 | 173450.4977299999 | 0 | 0 | 5355754.09560556 58804190.46377 | 3815661.71377 | 15189775.343545835 | 17882687 | 69065740.1467742 | 90806519.29344499 | 255564573.96130502 | 6951291.58566 | 6951291.58566 | 6159345 | 6159345 | 268675210.546965 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 549088.65917 | 540000 | 1330595 | 3232525 | 8817208.65917 | 200000 | 200000 | 103837 | 103837 | 9121045.65917 Réserves | 490509.017 | 64740.496 | 75378.91922 | 279662 | 1874755.0695 | 2420837.9082299997 | 5205883.409949999 | 251452.08089999997 | 251452.08089999997 | 63865 | 63865 | 5521200.49085 Réserves (Prov. Pour pertes sur prêts) | 157217.06915 | 0 | 93748.95312 | 0 | 0 | 0 | 250966.02227000002 | 0 | 0 | 0 | 0 | 250966.02227000002 Surplus d'apport | 0 | 14325 | 414144.06934 | 1384 | 125897.67262 | 0 | 555750.74196 | 0 | 0 | 0 | 0 | 555750.74196 BNR | 1030885.75774 | -241045.12843 | 89631.46641999998 | 735225 | 1933787.722599999 | 6938422.12045 | 10486906.938779999 | 153958.4828 | 153958.4828 | 204743 | 204743 | 10845608.421579998 4678611.84389 | 3020.367569999973 | 1221992.06727 | 1556271 | 5265035.46472 | 12591785.02868 | 25316715.772129998 | 605410.5636999999 | 605410.5636999999 | 372445 | 372445 | 26294571.335829996 63482802.30766 | 3818682.0813399996 | 16411767.410815835 | 19438958 | 74330775.6114942 | 103398304.32212499 | 280881289.7334351 | 7556702.14936 | 7556702.14936 | 6531790 | 6531790 | 294969781.88279504 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 123167.93713 | 547.674955049 | 123715.61208504901 | 0 | 0 | 0 | 0 | 123715.61208504901 Crédit documentaire | 341213.316 | 0 | 0 | 0 | 1428369.5702 | 1571797.1788139371 | 3341380.065013937 | 0 | 0 | 0 | 0 | 3341380.065013937 Autres | 2116309.91175 | 203466.333166015 | 1559309.544800024 | 171116 | 3837584.7266499996 | 1579792.6691360208 | 9467579.18550206 | 601212.8842099999 | 601212.8842099999 | -757562.20683 | -757562.20683 | 9311229.862882059 Portefeuille brut | 13976793.45937 | 1565554.7878700001 | 7929705.873031712 | 7800254 | 22157362.993809998 | 27263068.859240003 | 80692739.9733217 | 4281302.14185 | 4281302.14185 | 587187 | 587187 | 85561229.1151717 Provisions pour créances douteuses | 384858.07302999997 | 554434.44904 | 53677.549856704 | 45127 | 948766.97533 | 281555.85143000004 | 2268419.898686704 | 115668.6348 | 115668.6348 | 0 | 0 | 2384088.5334867043 Portefeuille de crédit improductif | 997082.54785 | 731679.814694684 | 50853.36287324799 | 66850 | 796964 | 130730.37436999999 | 2774160.099787932 | 366312.20177 | 366312.20177 | 0 | 0 | 3140472.301557932 Dépôts US convertis | 21185728 | 1520065.03864 | 8107416.2889783 | 11272143 | 39189592.84966679 | 66808768.472785726 | 148083713.65007082 | 3352471.66432 | 3352471.66432 | 4175420 | 4175420 | 155611605.3143908 Immobilisation /A | 0.3809303314929799 | 103.02173775491929 | 0.42597141029966096 | 0.37656937641323396 | 0.5138962421526426 | 0.16702615925777717 | 0.3163445789870787 | 0.5375992517389898 | 0.5375992517389898 | 0.8874545234866893 | 0.8874545234866893 | 0.3295281732356293 Liquidité en % de l'actif | 0.5788626355811047 | 0.5852306189144164 | 0.45584611270428643 | 0.48988505453841713 | 0.4276949151613791 | 0.39954113195546015 | 0.4595873856822385 | 0.32532914358442405 | 0.32532914358442405 | 0.8545205831785774 | 0.8545205831785774 | 0.46489325516271424 Liquidité en % des dépôts | 0.7191284148108905 | 0.6786792866742972 | 0.5913193805422216 | 0.583724987113782 | 0.5081108706494057 | 0.4930842295844017 | 0.5619708290686517 | 0.5034374738248049 | 0.5034374738248049 | 1.0776724410403564 | 1.0776724410403564 | 0.57191832131758 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 40820046.60919861 | BNC | 5123000 | UNIBK | 26981513.007810004 | UNIBK | 12591785.02868 SOGEBK | 31565894.769039996 | BPH | 470000 | SOGEBK | 21208596.01848 | SOGEBK | 5265035.46472 BNC | 30224822.272189997 | SOGEBK | 225000 | BNC | 13591935.38634 | BNC | 4678611.84389 CAPITALBK | 9522855 | CAPITALBK | 0 | BUH | 7876028.323175008 | CAPITALBK | 1556271 BUH | 7481240.376825224 | CBNA | 0 | CAPITALBK | 7755127 | BUH | 1221992.06727 CBNA | 5581549 | UNIBK | 0 | SOGEBL | 4165633.50705 | SOGEBL | 605410.5636999999 SOGEBL | 2458415.4384600003 | BUH | 0 | BPH | 1011120.33883 | CBNA | 372445 BPH | 1598167.37225 | SOGEBL | 0 | CBNA | 587187 | BPH | 3020.367569999973 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2016 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7078993.744 | 127789.60646 | 589460.337957808 | 448782 | 2808328.77204 | 2138890.267340015 | 13192244.727797825 | 52972.21194 | 52972.21194 | 60129 | 120855 | 180984 | 13426200.939737825 Avoirs à la BRH | 17364382.190410003 | 999327.5172700001 | 5139154.28615508 | 5963826 | 24239466.10655 | 27829300.15668352 | 81535456.2570686 | 1216117.41803 | 1216117.41803 | 3950016 | 3148403 | 7098419 | 89849992.6750986 Avoirs à l'étranger | 1094957.2488 | 161763.99172 | 432086.789638848 | 1647501 | 1303720.70946 | 2426133.452227305 | 7066163.191846153 | 4589.09092 | 4589.09092 | 265139 | 1354438 | 1619577 | 8690329.282766152 Avoirs dans les banques locales | 0 | 0 | 14861.30772696 | 933 | 2728.25494 | 0 | 18522.56266696 | 785076.45987 | 785076.45987 | 0 | 0 | 0 | 803599.02253696 Autres liquidités | 192549.36944000004 | 37606.66916 | 14863.868736784 | 230988 | 112277.93193000002 | 971104.985121802 | 1559390.824388586 | 15307.381010000001 | 15307.381010000001 | 166497 | 89147 | 255644 | 1830342.2053985859 25730882.55265 | 1326487.7846100002 | 6190426.59021548 | 8292030 | 28466521.774920005 | 33365428.861372642 | 103371777.56376812 | 2074062.5617700003 | 2074062.5617700003 | 4441781 | 4712843 | 9154624 | 114600464.12553813 Bons B.R.H. | 8650000 | 776000 | 0 | 396791 | 425000 | 0 | 10247791 | 0 | 0 | 99950 | 0 | 99950 | 10347741 Bons du Trésor / M.E.F. | 1400000 | 181223.20292 | 0 | 0 | 0 | 538511.83679 | 2119735.03971 | 0 | 0 | 0 | 0 | 0 | 2119735.03971 Autres Placements | 8756662.852840003 | 25311.49003 | 396962.147357864 | 1151594 | 17290537.05805 | 27757422.668712165 | 55378490.21699003 | 2406477.1714 | 2406477.1714 | 0 | 0 | 0 | 57784967.388390034 Portefeuille net | 12680024.04587 | 1048551.42491 | 7050399.810845597 | 7431185 | 21683571.517899998 | 24829952.26824 | 74723684.0677656 | 4110579.8190500005 | 4110579.8190500005 | 662576 | 2044064 | 2706640 | 81540903.8868156 Immobilisations | 1867214.0200299998 | 313177.76937 | 538433.42716 | 564850 | 2678828.43975 | 2100118.6361100003 | 8062622.29242 | 311956.61313 | 311956.61313 | 333343 | 84169 | 417512 | 8792090.90555 Autres actifs | 1744147.24042 | 232433.0241 | 176839.285756008 | 588512 | 2414464.65133 | 1596155.8972029723 | 6752552.09880898 | 178873.64461999998 | 178873.64461999998 | 36029 | -89746 | -53717 | 6877708.74342898 60828930.71181001 | 3903184.6959400005 | 14353061.26133495 | 18424962 | 72958923.44195001 | 90187590.1684278 | 260656652.27946272 | 9081949.809969999 | 9081949.809969999 | 5573679 | 6751330 | 12325009 | 282063611.0894328 PASSIF Dépôts À vue | 28987555.96525 | 1526582.4923999999 | 3104450.41375848 | 6433262 | 23458564.884668484 | 29337345.455783404 | 92847761.21186036 | 1647428.06889 | 1647428.06889 | 3959733 | 3819506 | 7779239 | 102274428.28075036 Épargne | 14571692.493189998 | 366989.80152 | 2559050.9637469603 | 3747576 | 21879983.9511383 | 28081313.57025259 | 71206606.77984785 | 693992.77488 | 693992.77488 | 337984 | 1751322 | 2089306 | 73989905.55472785 À terme | 6194488.5404900005 | 1451444.04761 | 5185839.719203088 | 4844258 | 15755464.967027573 | 16606191.474987146 | 50037686.74931781 | 4018327.92888 | 4018327.92888 | 37005 | 340772 | 377777 | 54433791.67819781 49753736.99893 | 3345016.34153 | 10849341.096708529 | 15025096 | 61094013.80283436 | 74024850.50102314 | 214092054.74102604 | 6359748.77265 | 6359748.77265 | 4334722 | 5911600 | 10246322 | 230698125.51367602 Obligations à vue Banques locales | 0 | 0 | 0 | 285000 | 0 | 954652.59725 | 1239652.59725 | 0 | 0 | 0 | 0 | 0 | 1239652.59725 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1203063.72751 | 185705.00805 | 412808.509568672 | 562049 | 1397450.3706300003 | 2089784.45022354 | 5850861.065982212 | 70794.89456 | 70794.89456 | 812089 | 319866 | 1131955 | 7053610.960542212 1203063.72751 | 185705.00805 | 412808.509568672 | 847049 | 1397450.3706300003 | 3044437.04747354 | 7090513.663232213 | 70794.89456 | 70794.89456 | 812089 | 319866 | 1131955 | 8293263.557792213 Obligations à terme Banques locales | 444000 | 162499.99993 | 1636023.33344 | 226561 | 782121.2656 | 0 | 3251205.59897 | 1726039.9167 | 1726039.9167 | 0 | 0 | 0 | 4977245.51567 Banque à l'étranger | 0 | 0 | 0 | 0 | 1127815.0994000002 | 0 | 1127815.0994000002 | 0 | 0 | 0 | 0 | 0 | 1127815.0994000002 Autres | 3696478.76678 | 206957.95355 | 111380.15434239202 | 94783 | 1102386.86689 | 516127.65118324803 | 5728114.39274564 | 90362.83069 | 90362.83069 | 47799 | 48885 | 96684 | 5915161.22343564 4140478.76678 | 369457.95348 | 1747403.487782392 | 321344 | 3012323.2318900004 | 516127.65118324803 | 10107135.09111564 | 1816402.74739 | 1816402.74739 | 47799 | 48885 | 96684 | 12020221.83850564 Autres passifs | 998664.85 | 8606.66971 | 243321.86449968803 | 626014 | 2056238.5166699998 | 1306935.037305311 | 5239780.938184999 | 173350.62456 | 173350.62456 | 1259 | 65745 | 67004 | 5480135.562744999 56095944.34322 | 3908785.97277 | 13252874.958559282 | 16819503 | 67560025.92202437 | 78892350.23698524 | 236529484.43355888 | 8420297.03916 | 8420297.03916 | 5195869 | 6346096 | 11541965 | 256491746.4727189 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 542746.99917 | 540000 | 1330595 | 3233325 | 7311666.99917 | 200000 | 200000 | 103837 | 94373 | 198210 | 7709876.99917 Réserves | 327142.246 | 64740.496 | 53151.246490000005 | 226473 | 1798415.32429 | 654377.60976 | 3124299.9225399997 | 251452.08089999997 | 251452.08089999997 | 61225 | 47186 | 108411 | 3484163.0034399997 Réserves (Prov. Pour pertes sur prêts) | 159708.82656000002 | 0 | 84645.93348 | 0 | 0 | 0 | 244354.76004000002 | 0 | 0 | 0 | 25933 | 25933 | 270287.76004 Surplus d'apport | 0 | 14325 | 373948.88833999995 | 1384 | 125897.67262 | 0 | 515555.5609599999 | 0 | 0 | 0 | 0 | 0 | 515555.5609599999 BNR | 2746135.2961 | -249666.77283 | 45693.235349999995 | 837602 | 2143989.52301 | 7407537.319060001 | 12931290.60069 | 210200.68967999998 | 210200.68967999998 | 212748 | 237742 | 450490 | 13591981.29037 4732986.36866 | -5601.276830000017 | 1100186.30283 | 1605459 | 5398897.51992 | 11295239.928820001 | 24127167.8434 | 661652.7705799999 | 661652.7705799999 | 377810 | 405234 | 783044 | 25571864.613980003 60828930.711880006 | 3903184.69594 | 14353061.261389282 | 18424962 | 72958923.44194438 | 90187590.16580524 | 260656652.2769589 | 9081949.80974 | 9081949.80974 | 5573679 | 6751330 | 12325009 | 282063611.0866989 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 123451.56952 | 5767.285391336 | 129218.854911336 | 0 | 0 | 0 | 0 | 0 | 129218.854911336 Crédit documentaire | 244450.171 | 0 | 0 | 0 | 1527716.2624000001 | 1055260.1093528161 | 2827426.5427528163 | 0 | 0 | 0 | 71152 | 71152 | 2898578.5427528163 Autres | 2150656.171 | 338881.55855656 | 102781.574883776 | 211084 | 3908603.4265799997 | 628175.882668104 | 7340182.613688439 | 674028.255102 | 674028.255102 | -954648.8684799997 | 1186236 | 231587.1315200003 | 8245798.00031044 Portefeuille brut | 13157609.62294 | 1597025.3201799998 | 7104534.7173067 | 7492724 | 22619766.225759998 | 25091726.39871 | 77063386.2848967 | 4219809.715530001 | 4219809.715530001 | 662576 | 2114060 | 2776636 | 84059832.00042671 Provisions pour créances douteuses | 477585.57707 | 548473.89527 | 54134.90646110401 | 61539 | 936194.70786 | 261774.13047 | 2339702.217131104 | 109229.89648 | 109229.89648 | 0 | 69996 | 69996 | 2518928.113611104 Portefeuille de crédit improductif | 639174.419 | 680584.3940036639 | 55500.460010471994 | 65861 | 762153 | 12509.777940000002 | 2215783.0509541356 | 529087.4604 | 529087.4604 | 0 | 128695 | 128695 | 2873565.5113541353 Dépôts US convertis | 22288435.23879 | 1784556.0548100001 | 6868971.067668528 | 11334024 | 42095786.36407436 | 50163988.93282313 | 134535761.65816602 | 5080523.45405 | 5080523.45405 | 2726740 | 3500837 | 6227577 | 145843862.11221603 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 33365428.861372642 | BNC | 8650000 | UNIBK | 24829952.26824 | UNIBK | 11295239.928820001 SOGEBK | 28466521.774920005 | BPH | 776000 | SOGEBK | 21683571.517899998 | SOGEBK | 5398897.51992 BNC | 25730882.55265 | SOGEBK | 425000 | BNC | 12680024.04587 | BNC | 4732986.36866 CAPITALBK | 8292030 | CAPITALBK | 396791 | CAPITALBK | 7431185 | CAPITALBK | 1605459 BUH | 6190426.59021548 | CBNA | 99950 | BUH | 7050399.810845597 | BUH | 1100186.30283 SCOTIA | 4712843 | UNIBK | 0 | SOGEBL | 4110579.8190500005 | SOGEBL | 661652.7705799999 CBNA | 4441781 | BUH | 0 | SCOTIA | 2044064 | SCOTIA | 405234 SOGEBL | 2074062.5617700003 | SCOTIA | 0 | BPH | 1048551.42491 | CBNA | 377810 BPH | 1326487.7846100002 | SOGEBL | 0 | CBNA | 662576 | BPH | -5601.276830000017 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2016 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8085458.86272 | 146651.21622 | 387879.38370987197 | 483307 | 2247354.50227 | 1464313.4921792662 | 12814964.457099136 | 32876.646459999996 | 32876.646459999996 | 90232 | 90909 | 181141 | 13028982.103559136 Avoirs à la BRH | 17680736.87568 | 1292484.57736 | 4346531.398423185 | 5737111 | 23694209.69418 | 27048046.203845344 | 79799119.74948853 | 1101993.94706 | 1101993.94706 | 3151544 | 3048613 | 6200157 | 87101270.69654854 Avoirs à l'étranger | 829503.02621 | 24158.03431 | 450572.96267541597 | 1526659 | 1657998.83801 | 1551959.0058798597 | 6040850.867085275 | 6106.41099 | 6106.41099 | 662257 | 1300841 | 1963098 | 8010055.278075275 Avoirs dans les banques locales | 0 | 0 | 206162.07681047998 | 762 | 2645.03938 | 0.5135672332618175 | 209569.62975771324 | 356306.96691 | 356306.96691 | 0 | 0 | 0 | 565876.5966677133 Autres liquidités | 529923.70989 | 53003.8307 | 915.3793076000001 | 160484 | 114385.1936 | 640565.204853264 | 1499277.318350864 | 30318.967380000002 | 30318.967380000002 | 140392 | 132799 | 273191 | 1802787.2857308642 27125622.474499997 | 1516297.6585900001 | 5392061.2009265525 | 7908323 | 27716593.26744 | 30704884.420324966 | 100363782.02178153 | 1527602.9388 | 1527602.9388 | 4044425 | 4573162 | 8617587 | 110508971.96058153 Bons B.R.H. | 8550000 | 520000 | 0 | 229280 | 450000 | 0 | 9749280 | 0 | 0 | 717660 | 0 | 717660 | 10466940 Bons du Trésor / M.E.F. | 1400000 | 195804.10019 | 0 | 0 | 0 | 585194.73104 | 2180998.8312299997 | 0 | 0 | 0 | 0 | 0 | 2180998.8312299997 Autres Placements | 7424434.975090001 | 37721.18637 | 421099.653130112 | 1077041 | 16171370.873690002 | 26884592.744854473 | 52016260.433134586 | 2365402.87076 | 2365402.87076 | 0 | 0 | 0 | 54381663.30389459 Portefeuille net | 12070989.83093 | 1083400.16735 | 6260595.229417007 | 7139923 | 21239380.97674 | 24839199.19299 | 72633488.39742701 | 4095844.532667 | 4095844.532667 | 744549 | 2012504 | 2757053 | 79486385.930094 Immobilisations | 1853226.9670299997 | 315400.18067000003 | 545637.47267 | 513620 | 2605701.3763200003 | 1905794.4704099998 | 7739380.467099999 | 288440.87075 | 288440.87075 | 336196 | 100641 | 436837 | 8464658.337849999 Autres actifs | 1740679.9426099998 | 36449.41872 | 168866.35615540008 | 244092 | 2255392.3790499996 | 1240081.660069248 | 5685561.756604647 | 159276.2775299999 | 159276.2775299999 | 5010 | 16115 | 21125 | 5865963.034134647 60164954.19016 | 3705072.71189 | 12788259.91229907 | 17112279 | 70438438.87324001 | 86159747.21968868 | 250368751.90727776 | 8436567.490507 | 8436567.490507 | 5847840 | 6702422 | 12550262 | 271355581.39778477 PASSIF Dépôts À vue | 29560291.305030003 | 1553008.29211 | 2791395.43309088 | 6045670 | 21569671.20947007 | 28337570.484993607 | 89857606.72469455 | 1451241.3418 | 1451241.3418 | 4047601 | 3743014 | 7790615 | 99099463.06649455 Épargne | 13408578.313669998 | 349391.42669999995 | 2543540.021496704 | 3580489 | 21041967.37972573 | 26238291.68289642 | 67162257.82448885 | 625973.66186 | 625973.66186 | 363045 | 1815518 | 2178563 | 69966794.48634885 À terme | 5955359.23224 | 1455748.3975 | 4185222.9343464077 | 4706458 | 15601913.954013113 | 15636281.188554617 | 47540983.70665414 | 3920398.83952 | 3920398.83952 | 46567 | 341556 | 388123 | 51849505.54617414 48924228.85094 | 3358148.11631 | 9520158.388933992 | 14332617 | 58213552.54320891 | 70212143.35644464 | 204560848.25583753 | 5997613.84318 | 5997613.84318 | 4457213 | 5900088 | 10357301 | 220915763.09901753 Obligations à vue Banques locales | 0 | 0 | 0 | 232976 | 0 | 880532.45646 | 1113508.45646 | 0 | 0 | 360000 | 0 | 360000 | 1473508.45646 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 687247.888766208 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 Autres | 2010947.7527799997 | 158807.11024 | 426686.13899043994 | 365337 | 1401479.525 | 1655901.865180896 | 6019159.392191335 | 104794.04464 | 104794.04464 | 613369 | 320949 | 934318 | 7058271.436831335 2010947.7527799997 | 158807.11024 | 426686.13899043994 | 598313 | 1401479.525 | 3223682.210407104 | 7819915.737417542 | 104794.04464 | 104794.04464 | 973369 | 320949 | 1294318 | 9219027.782057542 Obligations à terme Banques locales | 198000 | 174999.99994 | 1415303.33342 | 0 | 712829.73018 | 0 | 2501133.06354 | 1445444.6667 | 1445444.6667 | 0 | 0 | 0 | 3946577.73024 Banque à l'étranger | 0 | 0 | 0 | 0 | 1682965.0831100002 | 0 | 1682965.0831100002 | 0 | 0 | 0 | 0 | 0 | 1682965.0831100002 Autres | 3575140.79943 | 16195.531869999999 | 119459.75453243201 | 88943 | 1070448.7120100001 | 555270.291067928 | 5425458.088910361 | 88800.62738 | 88800.62738 | 38212 | 42741 | 80953 | 5595211.716290361 3773140.79943 | 191195.53181000001 | 1534763.087952432 | 88943 | 3466243.5253 | 555270.291067928 | 9609556.235560361 | 1534245.29408 | 1534245.29408 | 38212 | 42741 | 80953 | 11224754.529640362 Autres passifs | 1010026.04205 | 9934.49585 | 274827.0183998 | 566298 | 2087807.1198 | 1235305.7456866088 | 5184198.421786409 | 162543.19188 | 162543.19188 | 2178 | 57072 | 59250 | 5405991.613666409 55718343.44519999 | 3718085.25421 | 11756434.634276662 | 15586171 | 65169082.713308915 | 75226401.60360628 | 227174518.65060186 | 7799196.37378 | 7799196.37378 | 5470972 | 6320850 | 11791822 | 246765537.02438188 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 539184.99917 | 540000 | 1330595 | 3234712.5 | 7309492.49917 | 200000 | 200000 | 103837 | 94373 | 198210 | 7707702.49917 Réserves | 327142.246 | 64740.496 | 57070.248 | 222733 | 1563251.29725 | 648776.90215 | 2883714.1894 | 223078.9839 | 223078.9839 | 64834 | 87074 | 151908 | 3258701.1733 Réserves (Prov. Pour pertes sur prêts) | 159708.82656000002 | 0 | 67840.98040999999 | 0 | 0 | 0 | 227549.80697 | 0 | 0 | 0 | 25462 | 25462 | 253011.80697 Surplus d'apport | 0 | 14325 | 346520.79623000004 | 1384 | 125897.67262 | 0 | 488127.46885000006 | 0 | 0 | 0 | 0 | 0 | 488127.46885000006 BNR | 2459759.67556 | -257078.03832 | 21208.254140000034 | 761991 | 2249612.190060001 | 7049856.215559999 | 12285349.297 | 214292.13356 | 214292.13356 | 208197 | 174663 | 382860 | 12882501.43056 4446610.74812 | -13012.542320000008 | 1031825.27795 | 1526108 | 5269356.15993 | 10933345.61771 | 23194233.26139 | 637371.11746 | 637371.11746 | 376868 | 381572 | 758440 | 24590044.378849998 60164954.19331999 | 3705072.71189 | 12788259.912226662 | 17112279 | 70438438.87323892 | 86159747.22131628 | 250368751.91199183 | 8436567.49124 | 8436567.49124 | 5847840 | 6702422 | 12550262 | 271355581.40323186 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 111401.26890000001 | 271.457874491 | 111672.726774491 | 0 | 0 | 0 | 0 | 0 | 111672.726774491 Crédit documentaire | 196610.4 | 0 | 0 | 0 | 1115041.48352 | 1022605.422937896 | 2334257.306457896 | 0 | 0 | 0 | 65193 | 65193 | 2399450.306457896 Autres | 1725729.7650000001 | 238690.841050216 | 91104.716427712 | 123434 | 4345757.98061 | 591566.379731576 | 7116283.682819504 | 597211.68542 | 597211.68542 | -1111258 | 933815 | -177443 | 7536052.368239504 Portefeuille brut | 12541336.939 | 1625694.58353 | 6312831.975697439 | 7193246 | 22150423.64859 | 25091895.702 | 74915428.84881744 | 4182810.581047 | 4182810.581047 | 744549 | 2094335 | 2838884 | 81937123.42986444 Provisions pour créances douteuses | 470347.10806999996 | 542294.41618 | 52236.746280432 | 53323 | 911042.67185 | 252696.50901 | 2281940.451390432 | 86966.04838 | 86966.04838 | 0 | 81831 | 81831 | 2450737.4997704322 Portefeuille de crédit improductif | 559665.132 | 613196.962776768 | 43366.456848248 | 85055 | 726965 | 174164.35942000002 | 2202412.911045016 | 435380.44466000004 | 435380.44466000004 | 0 | 143923 | 143923 | 2781716.355705016 Dépôts US convertis | 22113567.72763 | 1734437.25441 | 5917046.689783992 | 10865099 | 39652302.116298914 | 47334513.81060464 | 127616966.59872755 | 4734873.09525 | 4734873.09525 | 3151252 | 3141907 | 6293159 | 138644998.69397753 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 30704884.420324966 | BNC | 8550000 | UNIBK | 24839199.19299 | UNIBK | 10933345.61771 SOGEBK | 27716593.26744 | CBNA | 717660 | SOGEBK | 21239380.97674 | SOGEBK | 5269356.15993 BNC | 27125622.474499997 | BPH | 520000 | BNC | 12070989.83093 | BNC | 4446610.74812 CAPITALBK | 7908323 | SOGEBK | 450000 | CAPITALBK | 7139923 | CAPITALBK | 1526108 BUH | 5392061.2009265525 | CAPITALBK | 229280 | BUH | 6260595.229417007 | BUH | 1031825.27795 SCOTIA | 4573162 | UNIBK | 0 | SOGEBL | 4095844.532667 | SOGEBL | 637371.11746 CBNA | 4044425 | BUH | 0 | SCOTIA | 2012504 | SCOTIA | 381572 SOGEBL | 1527602.9388 | SCOTIA | 0 | BPH | 1083400.16735 | CBNA | 376868 BPH | 1516297.6585900001 | SOGEBL | 0 | CBNA | 744549 | BPH | -13012.542320000008 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 12 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2012 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1370114.043 | 96412.01367 | 209436.958434238 | 218417 | 2498599.17418 | 529917.705687048 | 4922896.894971286 | 15353.20853 | 15353.20853 | 42194 | 81129 | 123323 | 5061573.103501286 Avoirs à la BRH | 18834806.552 | 766794.2219 | 1113552.778932362 | 2755816 | 10043893.1533 | 16212771.642809624 | 49727634.34894199 | 312908.24065000005 | 312908.24065000005 | 2536514 | 1637353 | 4173867 | 54214409.58959199 Avoirs à l'étranger | 1198118.509 | 56353.20409 | 158639.735013642 | 687504 | 972058.23866 | 3641525.8499604375 | 6714199.536724079 | 1050.91609 | 1050.91609 | 395584 | 1020107 | 1415691 | 8130941.45281408 Avoirs dans les banques locales | 0 | 0 | 76348.91644467601 | 15305 | 2406.21458 | 59111.892658244265 | 153172.02368292026 | 1596205.0412599999 | 1596205.0412599999 | 0 | 0 | 0 | 1749377.06494292 Autres liquidités | 264043.619 | 28482.354420000003 | 34882.693079198 | 268085 | 407643.55497999996 | 782101.1513286759 | 1785238.3728078739 | 36795.10037 | 36795.10037 | 245856 | 59929 | 305785 | 2127818.473177874 21667082.723 | 948041.79408 | 1592861.0819041163 | 3945127 | 13924600.3357 | 21225428.24244403 | 63303141.17712815 | 1962312.5069 | 1962312.5069 | 3220148 | 2798518 | 6018666 | 71284119.68402815 Bons B.R.H. | 3397881 | 0 | 0 | 80000 | 599999.605 | 1791680.1 | 5869560.705 | 0 | 0 | 399899 | 0 | 399899 | 6269459.705 Autres Placements | 7262705.038590001 | 24297.35108 | 24215.426527732005 | 652046 | 11469064.330850001 | 10857402.07829904 | 30289730.225346774 | 28992.930800000002 | 28992.930800000002 | 0 | 0 | 0 | 30318723.156146772 Portefeuille net | 6347999.1491 | 871518.50167 | 1384144.9737510919 | 4108729 | 16211855.77159 | 17174851.66467 | 46099099.06078109 | 2089734.9150224 | 2089734.9150224 | 1584777 | 2086555 | 3671332 | 51860165.975803494 Immobilisations | 1109657.26255 | 129549.13488 | 213238.20509 | 296962 | 1420379.1239800001 | 1322498.0337099999 | 4492283.76021 | 154237.68187000003 | 154237.68187000003 | 247807 | 54511 | 302318 | 4948839.44208 Autres actifs | 1820978.734 | 127775.67998000002 | 60051.489842443996 | 344886 | 2230529.631 | 1081183.8865861301 | 5665405.421408573 | 75513.69421 | 75513.69421 | 123299 | 10179 | 133478 | 5874397.1156185735 41606303.90724 | 2101182.4616900003 | 3274511.1771153845 | 9427750 | 45856428.79812 | 53453044.0057092 | 155719220.3498746 | 4310791.728802401 | 4310791.728802401 | 5575930 | 4949763 | 10525693 | 170555705.078677 PASSIF Dépôts À vue | 25592452.41 | 742741.99014 | 902954.3588698499 | 3966588 | 15369480.80241 | 23902240.379860204 | 70476457.94128005 | 840457.01093 | 840457.01093 | 3135559 | 2216716 | 5352275 | 76669189.95221005 Épargne | 7973275.461000001 | 482950.52103 | 1709736.717832484 | 2387708 | 17580604.56353 | 18102263.584215958 | 48236538.84760845 | 429145.14979000005 | 429145.14979000005 | 429570 | 1290146 | 1719716 | 50385399.99739844 À terme | 3051012.0819800003 | 606813.83676 | 615245.1466297801 | 1560473 | 5649320.537453178 | 4465893.249784335 | 15948757.852607295 | 2002074.14769 | 2002074.14769 | 1171474 | 661199 | 1832673 | 19783505.000297293 36616739.95298 | 1832506.3479300002 | 3227936.223332114 | 7914769 | 38599405.90339318 | 46470397.2138605 | 134661754.6414958 | 3271676.30841 | 3271676.30841 | 4736603 | 4168061 | 8904664 | 146838094.9499058 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 200000 | 0 | 200000 | 200000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1216512.3 | 108975.199220276 | 122885.84126214201 | 268674 | 1956972.72036 | 661118.1145989479 | 4335138.175441366 | 102852.65009 | 102852.65009 | 231908 | 160285 | 392193 | 4830183.825531365 1216512.3 | 108975.199220276 | 122885.84126214201 | 268674 | 1956972.72036 | 661118.1145989479 | 4335138.175441366 | 102852.65009 | 102852.65009 | 431908 | 160285 | 592193 | 5030183.825531365 Obligations à terme Banques locales | 3000 | 28530 | 0 | 0 | 0 | 650000 | 681530 | 500000 | 500000 | 0 | 0 | 0 | 1181530 Banque à l'étranger | 0 | 0 | 0 | 0 | 634833 | 0 | 634833 | 0 | 0 | 0 | 0 | 0 | 634833 Autres | 1302768.9079999998 | 124234.22892 | 7564.83929765 | 255237 | 275111.09762 | 846520.293628382 | 2811436.3674660316 | 10784.995340000023 | 10784.995340000023 | 80230 | 53924 | 134154 | 2956375.3628060315 1305768.9079999998 | 152764.22892 | 7564.83929765 | 255237 | 909944.09762 | 1496520.293628382 | 4127799.3674660316 | 510784.99534 | 510784.99534 | 80230 | 53924 | 134154 | 4772738.3628060315 Autres passifs | 275889.672 | 0 | 143634.70773921005 | 241876 | 1399117.24767 | 473583.12652092794 | 2534100.753930138 | 5585.566539999999 | 5585.566539999999 | 94203 | 363592 | 457795 | 2997481.320470138 39414910.83297999 | 2094245.776070276 | 3502021.6116311164 | 8680556 | 42865439.96904319 | 49101618.748608746 | 145658792.9383333 | 3890899.52038 | 3890899.52038 | 5342944 | 4745862 | 10088806 | 159638498.4587133 AVOIR DES ACTIONNAIRES Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2093492 | 3768694.375 | 150000 | 150000 | 103837 | 94373 | 198210 | 4116904.375 Réserves | 186951.353 | 46655 | 24498.97294 | 147921 | 1179291.5603800002 | 105578.7695 | 1690896.65582 | 130984.99542 | 130984.99542 | 79683 | 71875 | 151558 | 1973439.65124 Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002 BNR | 1504441.724 | -59043.31439 | -507532.50594 | 327886 | 963217.813250001 | 2152354.49075 | 4381324.207670001 | 138907.21292000002 | 138907.21292000002 | 49466 | 37653 | 87119 | 4607350.420590001 2191393.077 | 6936.68561 | -227510.43452 | 747194 | 2990988.828800001 | 4351425.26025 | 10060427.417140001 | 419892.20834 | 419892.20834 | 232986 | 203901 | 436887 | 10917206.625480002 41606303.90997999 | 2101182.461680276 | 3274511.1771111162 | 9427750 | 45856428.79784319 | 53453044.00885875 | 155719220.35547334 | 4310791.72872 | 4310791.72872 | 5575930 | 4949763 | 10525693 | 170555705.08419332 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 86017.31283 | 2136.50718429 | 88153.82001429 | 0 | 0 | 0 | 0 | 0 | 88153.82001429 Crédit documentaire | 86889.277 | 0 | 0 | 0 | 779585.4834400001 | 596824.937580654 | 1463299.6980206543 | 0 | 0 | 66592 | 3048 | 69640 | 1532939.6980206543 Autres | 46330.311 | 174516.155339206 | 150 | 162745 | 1980524.7513399995 | 362692.71921780996 | 2726958.936897015 | 1078134.40245 | 1078134.40245 | 2729812 | 293648 | 3023460 | 6828553.339347015 Portefeuille brut | 6541273.8451 | 1199872.87192 | 1433465.548540514 | 4137722 | 16518676.833 | 17231662.81123 | 47062673.909790516 | 2163512.5342324 | 2163512.5342324 | 1617316 | 2258806 | 3876122 | 53102308.444022916 Provisions pour créances douteuses | 193274.696 | 328354.37025 | 49320.574789422 | 28993 | 306821.06140999997 | 56811.14656 | 963574.849009422 | 73777.61921 | 73777.61921 | 32539 | 172250.6 | 204789.6 | 1242142.0682194221 Portefeuille de crédit improductif | 147203.39899999998 | 367554.87442 | 38277 | 24943 | 248992.777 | 44520.28062 | 871491.33104 | 125622.022461 | 125622.022461 | 0 | 287980 | 287980 | 1285093.353501 Dépôts US convertis | 15609345 | 674886.15438 | 1412576.78263281 | 3573548 | 21304801.07 | 22793481.997474585 | 65368639.004487395 | 2317515.34401 | 2317515.34401 | 2910589 | 1358864 | 4269453 | 71955607.34849739 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. BNC | 21667082.723 | SOGEBK | 599999.605 | SOGEBK | 16211855.77159 | UNIBK | 4351425.26025 SOGEBK | 13924600.3357 | BNC | 3397881 | UNIBK | 17174851.66467 | SOGEBK | 2990988.828800001 UNIBK | 21225428.24244403 | UNIBK | 1791680.1 | BNC | 6347999.1491 | BNC | 2191393.077 CAPITALBK | 3945127 | BUH | 0 | CAPITALBK | 4108729 | CAPITALBK | 747194 CBNA | 3220148 | CAPITALBK | 80000 | SCOTIA | 2086555 | SOGEBL | 419892.20834 SCOTIA | 2798518 | CBNA | 399899 | SOGEBL | 2089734.9150224 | CBNA | 232986 SOGEBL | 1962312.5069 | BPH | 0 | CBNA | 1584777 | SCOTIA | 203901 BUH | 1592861.0819041163 | SCOTIA | 0 | BUH | 1384144.9737510919 | BPH | 6936.68561 BPH | 948041.79408 | SOGEBL | 0 | BPH | 871518.50167 | BUH | -227510.43452 [bilsysbansept. 11] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2011 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1488174.722 | 91515.90851 | 201180.01104191 | 186348 | 1766417.2985599998 | 490047.19718948804 | 4223683.137301398 | 36858.32558 | 36858.32558 | 38710 | 42212 | 80922 | 4341463.462881398 Avoirs à la BRH | 17886141.397 | 539315.11344 | 1519274.681042774 | 2367954 | 10646690.897349998 | 14203488.27244992 | 47162864.36128269 | 302769.37097000005 | 302769.37097000005 | 1922661 | 1361981 | 3284642 | 50750275.732252695 Avoirs à l'étranger | 2197690.962 | 84189.00872 | 149426.77713698402 | 790654 | 1676646.894 | 4840002.0959622385 | 9738609.73781922 | -190.6524 | -190.6524 | 717111 | 1099940 | 1817051 | 11555470.08541922 Avoirs dans les banques locales | 0 | 0 | 55838.142408726 | 25071 | 10406.72236 | 82052.4741297409 | 173368.3388984669 | 1606176.10165 | 1606176.10165 | 0 | 0 | 0 | 1779544.440548467 Autres liquidités | 217176.18000000002 | 81184.02363000001 | 15745.951939594 | 200245 | 381007.48737000005 | 422217.551286412 | 1317576.194226006 | 48984.62468 | 48984.62468 | 125904 | 42646 | 168550 | 1535110.818906006 21789183.261 | 796204.0543 | 1941465.5635699881 | 3570272 | 14481169.299639996 | 20037807.591017798 | 62616101.769527785 | 1994597.77048 | 1994597.77048 | 2804386 | 2546779 | 5351165 | 69961864.5400078 Bons B.R.H. | 3847999.5 | 170000 | 0 | 0 | 1425000 | 350000 | 5792999.5 | 0 | 0 | 384920 | 150000 | 534920 | 6327919.5 Autres Placements | 4132127.5435800003 | 23438.94866 | 23328.127456934002 | 685989 | 12500865.426439999 | 12245083.451345455 | 29610832.49748239 | 55725.620800000004 | 55725.620800000004 | 0 | 0 | 0 | 29666558.11828239 Portefeuille net | 3751142.6182700004 | 425797.31739 | 1123957.013653338 | 3304691 | 11647178.84734 | 13143530.35426 | 33396297.150913335 | 1717204.336383 | 1717204.336383 | 1759910 | 1823893 | 3583803 | 38697304.487296335 Immobilisations | 937521.8705500001 | 120710.61300000001 | 236518.38985999997 | 245121 | 1318390.42879 | 1214194.38468 | 4072456.68688 | 177948.04894 | 177948.04894 | 66814 | 48614 | 115428 | 4365832.73582 Autres actifs | 1731794.589 | 18550.0453771 | 66661.62404671001 | 266917 | 1638728.64137 | 1053823.940380842 | 4776475.840174653 | 70314.15616 | 70314.15616 | 114197 | 14838 | 129035 | 4975824.996334652 36189769.3824 | 1554700.9787271 | 3391930.71858697 | 8072990 | 43011332.64358 | 48044439.7216841 | 140265163.44497815 | 4015789.932763 | 4015789.932763 | 5130227 | 4584124 | 9714351 | 153995304.37774116 PASSIF Dépôts À vue | 21232008.13 | 554030.43226 | 937957.143328938 | 3502122 | 15232045.606699996 | 21378208.948365685 | 62836372.26065461 | 725355.0565 | 725355.0565 | 2986574 | 1913087 | 4899661 | 68461388.31715462 Épargne | 7535982.67 | 465547.87168 | 1671035.8748480282 | 2163229 | 17058001.856620006 | 17209814.976216234 | 46103612.24936427 | 408520.66936000006 | 408520.66936000006 | 340790 | 1143934 | 1484724 | 47996856.91872427 À terme | 3013854.00479 | 426649.08075 | 697635.3500488321 | 1256483 | 6078294.673244312 | 4175306.0473045562 | 15648222.156137701 | 1924144.6655100002 | 1924144.6655100002 | 809265 | 709119 | 1518384 | 19090750.8216477 31781844.804789998 | 1446227.38469 | 3306628.3682257985 | 6921834 | 38368342.136564314 | 42763329.97188647 | 124588206.66615659 | 3058020.3913700003 | 3058020.3913700003 | 4136629 | 3766140 | 7902769 | 135548996.0575266 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320000 | 0 | 320000 | 320000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1105932.159 | 85629.8444551 | 110687.06894135599 | 228641 | 1112211.23944 | 626919.9696353759 | 3270021.2814718317 | 144235.87298 | 144235.87298 | 355904 | 227942 | 583846 | 3998103.1544518317 1105932.159 | 85629.8444551 | 110687.06894135599 | 228641 | 1112211.23944 | 626919.9696353759 | 3270021.2814718317 | 144235.87298 | 144235.87298 | 675904 | 227942 | 903846 | 4318103.154451832 Obligations à terme Banques locales | 3000 | 0 | 0 | 0 | 0 | 0 | 3000 | 400000 | 400000 | 0 | 0 | 0 | 403000 Banque à l'étranger | 0 | 0 | 0 | 0 | -0.04578 | 0 | -0.04578 | 0 | 0 | 0 | 0 | 0 | -0.04578 Autres | 1154173.809 | 18750.605170000003 | 7814.75193767 | 37442 | 262627.21996 | 346949.643754244 | 1827758.029821914 | 3877.4264000000003 | 3877.4264000000003 | 79502 | 28117 | 107619 | 1939254.456221914 1157173.809 | 18750.605170000003 | 7814.75193767 | 37442 | 262627.17418000003 | 346949.643754244 | 1830757.9840419139 | 403877.4264 | 403877.4264 | 79502 | 28117 | 107619 | 2342254.410441914 Autres passifs | 278632.205 | 207.92538 | 149604.899336698 | 256606 | 670192.78408 | 553442.697620232 | 1908686.5114169302 | 3256.79684 | 3256.79684 | 23191 | 346382 | 369573 | 2281516.30825693 34323582.97779 | 1550815.7596951 | 3574735.088441523 | 7444523 | 40413373.334264316 | 44290642.282896325 | 131597672.44308726 | 3609390.48759 | 3609390.48759 | 4915226 | 4368581 | 9283807 | 144490869.93067726 AVOIR DES ACTIONNAIRES Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2000000 | 3675202.375 | 150000 | 150000 | 103837 | 94372 | 198209 | 4023411.375 Réserves | 175715.154 | 53964 | 26065.105 | 117270 | 1003392.86263 | 65043.87904 | 1441451.00067 | 129575.44542 | 129575.44542 | 70546 | 67566 | 138112 | 1709138.44609 Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002 BNR | 1190471.26348 | -69403.78114 | -464392.59516 | 239810 | 746086.9915200004 | 1688753.5638000001 | 3331325.4425000004 | 126823.99971999999 | 126823.99971999999 | 40618 | 53605 | 94223 | 3552372.4422200006 1866186.4174799998 | 3885.2188599999936 | -182804.39168 | 628467 | 2597959.30932 | 3753797.44284 | 8667490.996820001 | 406399.44513999997 | 406399.44513999997 | 215001 | 215543 | 430544 | 9504434.44196 36189769.39527 | 1554700.9785550998 | 3391930.696761523 | 8072990 | 43011332.64358432 | 48044439.72573633 | 140265163.43990725 | 4015789.93273 | 4015789.93273 | 5130227 | 4584124 | 9714351 | 153995304.37263727 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 219678.57768 | 145.10341 | 219823.68109 | 0 | 0 | 0 | 0 | 0 | 219823.68109 Crédit documentaire | 52598.229 | 0 | 0 | 0 | 661696.7755499999 | 694553.3393294401 | 1408848.34387944 | 0 | 0 | 28682 | 4817 | 33499 | 1442347.34387944 Autres | 47029.754 | 18741373.979716074 | 0 | 55341 | 2030626.4121399997 | 475139.26518574194 | 21349510.41104182 | 406029.01094 | 406029.01094 | 1397646 | 205630 | 1603276 | 23358815.42198182 0 Portefeuille brut | 4143937.3332700003 | 688058.56169 | 1209091.197351708 | 3342503 | 11928394.60496 | 13196317.68852 | 34508302.385791704 | 1796790.877043 | 1796790.877043 | 1799066 | 1971431 | 3770497 | 40075590.262834705 Provisions pour créances douteuses | 392794.71499999997 | 262261.2443 | 85134.18369837 | 37812 | 281215.75762 | 52787.33426 | 1112005.2348783698 | 79586.54066 | 79586.54066 | 39156 | 147538 | 186694 | 1378285.7755383698 Portefeuille de crédit improductif | 392796.287 | 315640.42819 | 85511 | 23432 | 173346 | 58416.757410000006 | 1049142.4726 | 118165.0926667 | 118165.0926667 | 0 | 313049 | 313049 | 1480356.5652667 Dépôts US convertis | 7797930 | 671682.6 | 1249080.2000000002 | 2777183 | 17897710.200000003 | 16869755.7 | 47263341.7 | 2253304 | 2253304 | 2279642 | 833814 | 3113456 | 52630101.7 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. SOGEBK | 14481169.299639996 | BNC | 3847999.5 | SOGEBK | 11647178.84734 | UNIBK | 3753797.44284 UNIBK | 20037807.591017798 | SOGEBK | 1425000 | UNIBK | 13143530.35426 | SOGEBK | 2597959.30932 BNC | 21789183.261 | UNIBK | 350000 | BNC | 3751142.6182700004 | BNC | 1866186.4174799998 CAPITALBK | 3570272 | CBNA | 384920 | CAPITALBK | 3304691 | CAPITALBK | 628467 CBNA | 2804386 | BPH | 170000 | SCOTIA | 1823893 | SOGEBL | 406399.44513999997 SOGEBL | 1994597.77048 | BUH | 0 | CBNA | 1759910 | CBNA | 215001 SCOTIA | 2546779 | CAPITALBK | 0 | SOGEBL | 1717204.336383 | SCOTIA | 215543 BUH | 1941465.5635699881 | SCOTIA | 150000 | BUH | 1123957.013653338 | BPH | 3885.2188599999936 BPH | 796204.0543 | SOGEBL | 0 | BPH | 425797.31739 | BUH | -182804.39168 BICH | #REF! | BICH | #REF! [RÉSULTsyst ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RÉSULTATS TRIMESTRIELS PAR BANQUE (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME TRIM 1 2023 (Oct-Déc.23) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 532071 | 4049.22928 | 367976.63607999997 | 536121 | 1085090.2615699999 | 1630574.18371 | 4155882.31064 | 122621.88078000004 | 122621.88078000004 | 6018 | 6018 | 4284522.19142 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 9439 | 167712.97251999998 | 0 | 177151.97251999998 | 0 | 0 | 0 | 0 | 177151.97251999998 Autres | 1087428 | 54766.169709999995 | 66156.98609864 | 89929 | 217371.04896 | 756655.2505900001 | 2272306.4553586403 | 41318.06111 | 41318.06111 | 14087 | 14087 | 2327711.5164686404 1619499 | 58815.398989999994 | 434133.62217864 | 635489 | 1470174.28305 | 2387229.4343 | 6605340.73851864 | 163939.94189000005 | 163939.94189000005 | 20105 | 20105 | 6789385.680408641 Dépenses d'intérêt | 168425 | 17332.3766 | 120378.55672 | 132550 | 239481.35226 | 322108.39846 | 1000275.68404 | 44961.8767 | 44961.8767 | 714 | 714 | 1045951.56074 1451074 | 41483.02239 | 313755.06545864 | 502939 | 1230692.93079 | 2065121.0358399998 | 5605065.054478641 | 118978.06519000005 | 118978.06519000005 | 19391 | 19391 | 5743434.119668641 AUTRES REVENUS Commissions | 264052 | 8795.73857 | 172609.9259100001 | 321562 | 507542.17510999995 | 660580.3835099998 | 1935142.2230999998 | 4884.2896 | 4884.2896 | 21185 | 21185 | 1961211.5126999998 Gains sur change | 65950 | 238.34571999999986 | 75002.25032058252 | 181114 | 297868.8237400001 | 538623.91848 | 1158797.3382605826 | 5272.2414 | 5272.2414 | 21982 | 21982 | 1186051.5796605826 Autres | 17534 | 3087.37885 | 62650.87093925457 | 113973 | 170658.62679999997 | 313443.26896 | 681347.1455492545 | 7443.003279999999 | 7443.003279999999 | 32836 | 32836 | 721626.1488292544 347536 | 12121.46314 | 310263.0471698372 | 616649 | 976069.6256500001 | 1512647.5709499998 | 3775286.706909837 | 17599.53428 | 17599.53428 | 76003 | 76003 | 3868889.2411898365 PRODUIT NET BANCAIRE | 1798610 | 53604.48553 | 624018.1126284772 | 1119588 | 2206762.55644 | 3577768.6067899996 | 9380351.761388477 | 136577.59947000004 | 136577.59947000004 | 95394 | 95394 | 9612323.360858478 Dotation à la provision pour créances douteuses | 300000 | 9000 | 4685.614875285388 | 61050 | 352491.31236999994 | 254514.85327000002 | 981741.7805152854 | -1821.4077999999997 | -1821.4077999999997 | 0 | 0 | 979920.3727152854 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1498610 | 44604.48553 | 619332.4977531917 | 1058538 | 1854271.24407 | 3323253.75352 | 8398609.980873192 | 138399.00727000003 | 138399.00727000003 | 95394 | 95394 | 8632402.988143193 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 715518 | 34882.44141 | 236242.04523000002 | 273354 | 585122.31048 | 1019987.8171300001 | 2865106.61425 | 39961.67533 | 39961.67533 | 18046 | 18046 | 2923114.28958 Frais de locaux | 36516 | 4933.73153 | 108590.53133999999 | 32469 | 61009.85541999999 | 91346.85015 | 334865.96843999997 | 19600.97696 | 19600.97696 | 194 | 194 | 354660.94539999997 Amortissement | 53436 | 1832.6163499999998 | 21942.661749999996 | 33589 | 96454.70368 | 185919.64401 | 393174.62578999996 | 4369.13132 | 4369.13132 | 3984 | 3984 | 401527.75710999995 Autres dépenses d'exploitation | 256074 | 36136.26694 | 203537.62579365497 | 370367 | 668578.92657 | 979260.2081899999 | 2513954.0274936548 | 32197.33444000002 | 32197.33444000002 | 39330 | 39330 | 2585481.3619336546 1061544 | 77785.05622999999 | 570312.8641136549 | 709779 | 1411165.79615 | 2276514.5194800003 | 6107101.235973654 | 96129.11805000002 | 96129.11805000002 | 61554 | 61554 | 6264784.354023655 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | -33180.57069999999 | 49019.6336395368 | 348759 | 443105.44791999995 | 1046739.2340399995 | 2291508.7448995374 | 42269.88922000001 | 42269.88922000001 | 33840 | 33840 | 2367618.6341195377 Impôts sur le revenu | 0 | 0 | 17097.96089137266 | 77897 | 141850 | 224616.16437 | 461461.12526137265 | 11412.870089400007 | 11412.870089400007 | 10510 | 10510 | 483383.99535077263 BÉNÉFICE NET (PERTE NETTE) | 437066 | -33180.57069999999 | 31921.67274816414 | 270862 | 301255.44791999995 | 822123.0696699995 | 1830047.6196381648 | 30857.019130600005 | 30857.019130600005 | 23330 | 23330 | 1884234.6387687651 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 1 2023 (Oct.-Déc.22) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 397891 | 11863.31016 | 354555.8539 | 578721 | 1309329.0466200002 | 1297698.5610700003 | 3950058.7717500003 | 118624.67507999999 | 118624.67507999999 | 6016 | 6016 | 4074699.4468300003 Intérêts sur Bons B.R.H. | 3343 | 0 | 0 | 6360 | 194422.71977000003 | 0 | 204125.71977000003 | 0 | 0 | 0 | 0 | 204125.71977000003 Autres | 932764 | 52042.894290000004 | 56903.627987299995 | 46685 | 165321.02375999998 | 501985.35482 | 1755701.9008573 | 29182.915700000005 | 29182.915700000005 | 7589 | 7589 | 1792473.8165573 1333998 | 63906.204450000005 | 411459.4818873 | 631766 | 1669072.7901500002 | 1799683.9158900003 | 5909886.3923773 | 147807.59078 | 147807.59078 | 13605 | 13605 | 6071298.9831573 Dépenses d'intérêt | 148258 | 10625.64338 | 115949.31978 | 110207 | 230007.14439 | 226190.35097000003 | 841237.45852 | 41304.206584987005 | 41304.206584987005 | 1066 | 1066 | 883607.665104987 1185740 | 53280.56107 | 295510.16210729996 | 521559 | 1439065.6457600002 | 1573493.5649200003 | 5068648.9338573 | 106503.384195013 | 106503.384195013 | 12539 | 12539 | 5187691.318052313 AUTRES REVENUS Commissions | 213914 | 2991.9057199999997 | 102073.48521 | 265264 | 489751.1184899999 | 530123.7669000002 | 1604118.2763200002 | 3889.0671199999997 | 3889.0671199999997 | 16422 | 16422 | 1624429.3434400002 Gains sur change | 25825 | -1346.74247 | 99673.785790338 | 264640 | 357911.0181 | 841443.29414 | 1588146.3555603381 | 7234.12361 | 7234.12361 | 33032 | 33032 | 1628412.479170338 Autres | 24060 | 562.51954 | 64124.33967 | 321413 | 267091.10519000003 | 1330302.4551 | 2007553.4194999998 | 8082.119930000001 | 8082.119930000001 | 23609 | 23609 | 2039244.53943 263799 | 2207.68279 | 265871.61067033804 | 851317 | 1114753.2417799998 | 2701869.51614 | 5199818.051380338 | 19205.31066 | 19205.31066 | 73063 | 73063 | 5292086.362040338 PRODUIT NET BANCAIRE | 1449539 | 55488.24386 | 561381.7727776379 | 1372876 | 2553818.88754 | 4275363.08106 | 10268466.98523764 | 125708.694855013 | 125708.694855013 | 85602 | 85602 | 10479777.680092651 Dotation à la provision pour créances douteuses | 0 | 9000 | 107296.99703999999 | 138550 | 569231.02598 | 102422.978 | 926501.00102 | -4900.864129999998 | -4900.864129999998 | 0 | 0 | 921600.13689 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1449539 | 46488.24386 | 454084.77573763794 | 1234326 | 1984587.86156 | 4172940.1030599996 | 9341965.98421764 | 130609.558985013 | 130609.558985013 | 85602 | 85602 | 9558177.543202652 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 676970 | 26226.037769999995 | 208326.32789999997 | 240731 | 556438.3441400001 | 689496.1313700001 | 2398187.84118 | 37936.44096 | 37936.44096 | 31571 | 31571 | 2467695.28214 Frais de locaux | 31389 | 4753.4806100000005 | 85349.78602999999 | 72907 | 61318.62551999999 | 78493.73190000001 | 334211.62406 | 17579.21165 | 17579.21165 | 6341 | 6341 | 358131.83571 Amortissement | 36841 | 1708.88481 | 22036.653329999997 | 28673 | 85470.76072 | 135377.04871 | 310107.34757 | 3713.60757 | 3713.60757 | 5300 | 5300 | 319120.95514 Autres dépenses d'exploitation | 301230 | 17417.42213 | 213406.3150556 | 319715 | 551255.3943 | 709722.48378 | 2112746.6152656 | 22055.544840000002 | 22055.544840000002 | 48829.65662 | 48829.65662 | 2183631.8167256 1046430 | 50105.82531999999 | 529119.0823156 | 662026 | 1254483.1246800001 | 1613089.3957600002 | 5155253.4280756 | 81284.80502 | 81284.80502 | 92041.65662 | 92041.65662 | 5328579.889715601 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 403109 | -3617.5814599999867 | -75034.30657796207 | 572300 | 730104.73688 | 2559850.7072999994 | 4186712.5561420396 | 49324.753965013006 | 49324.753965013006 | -6439.656619999994 | -6439.656619999994 | 4229597.653487051 Impôts sur le revenu | 0 | 0 | -22510.291973388594 | 139251 | 167000 | 349994.16209999996 | 633734.8701266113 | 13317.683571899997 | 13317.683571899997 | 0 | 0 | 647052.5536985113 BÉNÉFICE NET (PERTE NETTE) | 403109 | -3617.5814599999867 | -52524.01460457347 | 433049 | 563104.73688 | 2209856.5451999996 | 3552977.686015428 | 36007.07039311301 | 36007.07039311301 | -6439.656619999994 | -6439.656619999994 | 3582545.0997885396 Commissions / salaires | 0.3690361388532504 | 0.2521537545671463 | 0.7306486266741845 | 1.176357397367516 | 0.8674121051607863 | 0.647635562323395 | 0.6754171776628852 | 0.12222434519238662 | 1.1739443644020835 | 1.1739443644020835 | 1.1739443644020835 | 0.6709322039480677 marge nette en % revenus d'intérêts | 0.8960017882073407 | 0.7053088664254933 | 0.7227154254584183 | 0.7914204651850779 | 0.8371068280672302 | 0.8650701965081747 | 0.8485656193015216 | 0.725741779692905 | 0.9644864461576722 | 0.9644864461576722 | 0.9644864461576722 | 0.8459431221062926 frais d'exploitation en % produit net bancaire | 0.5902024341018898 | 1.451092300596136 | 0.9139363947488544 | 0.6339644583543232 | 0.6394733280351309 | 0.6362945091416926 | 0.6510524755704559 | 0.7038424926418132 | 0.6452607082206429 | 0.6452607082206429 | 0.6452607082206429 | 0.6517450692029306 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net UNIBK | 2387229.4343 | CBNA | 0.9644864461576722 | UNIBK | 1512647.5709499998 | BNC | 0.5902024341018898 | CBNA | 61554 | UNIBK | 822123.0696699995 BNC | 1619499 | BNC | 0.8960017882073407 | SOGEBK | 976069.6256500001 | CAPITALBK | 0.6339644583543232 | BPH | 77785.05622999999 | BNC | 437066 SOGEBK | 1470174.28305 | UNIBK | 0.8650701965081747 | CAPITALBK | 616649 | UNIBK | 0.6362945091416926 | SOGEBL | 96129.11805000002 | SOGEBK | 301255.44791999995 CAPITALBK | 635489 | SOGEBK | 0.8371068280672302 | BNC | 347536 | SOGEBK | 0.6394733280351309 | BUH | 570312.8641136549 | CAPITALBK | 270862 BUH | 434133.62217864 | CAPITALBK | 0.7914204651850779 | BUH | 310263.0471698372 | CBNA | 0.6452607082206429 | CAPITALBK | 709779 | BUH | 31921.67274816414 SOGEBL | 163939.94189000005 | SOGEBL | 0.725741779692905 | CBNA | 76003 | SOGEBL | 0.7038424926418132 | BNC | 1061544 | SOGEBL | 30857.019130600005 BPH | 58815.398989999994 | BUH | 0.7227154254584183 | SOGEBL | 17599.53428 | BUH | 0.9139363947488544 | SOGEBK | 1411165.79615 | CBNA | 23330 CBNA | 20105 | BPH | 0.7053088664254933 | BPH | 12121.46314 | BPH | 1.451092300596136 | UNIBK | 2276514.5194800003 | BPH | -33180.57069999999 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 2024 (Octobre 23 - Décembre 2023) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 532071 | 4049.22928 | 367976.63607999997 | 536121 | 1085090.2615699999 | 1630574.18371 | 4155882.31064 | 122621.88078000004 | 122621.88078000004 | 6018 | 6018 | 4284522.19142 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 9439 | 167712.97251999998 | 0 | 177151.97251999998 | 0 | 0 | 0 | 0 | 177151.97251999998 Autres | 1087428 | 54766.169709999995 | 66156.98609864 | 89929 | 217371.04896 | 756655.2505900001 | 2272306.4553586403 | 41318.06111 | 41318.06111 | 14087 | 14087 | 2327711.5164686404 1619499 | 58815.398989999994 | 434133.62217864 | 635489 | 1470174.28305 | 2387229.4343 | 6605340.73851864 | 163939.94189000005 | 163939.94189000005 | 20105 | 20105 | 6789385.680408641 Dépenses d'intérêt | 168425 | 17332.3766 | 120378.55672 | 132550 | 239481.35226 | 322108.39846 | 1000275.68404 | 44961.8767 | 44961.8767 | 714 | 714 | 1045951.56074 1451074 | 41483.02239 | 313755.06545864 | 502939 | 1230692.93079 | 2065121.0358399998 | 5605065.054478641 | 118978.06519000005 | 118978.06519000005 | 19391 | 19391 | 5743434.119668641 AUTRES REVENUS Commissions | 264052 | 8795.73857 | 172609.9259100001 | 321562 | 507542.17510999995 | 660580.3835099998 | 1935142.2230999998 | 4884.2896 | 4884.2896 | 21185 | 21185 | 1961211.5126999998 Gains sur change | 65950 | 238.34571999999986 | 75002.25032058252 | 181114 | 297868.8237400001 | 538623.91848 | 1158797.3382605826 | 5272.2414 | 5272.2414 | 21982 | 21982 | 1186051.5796605826 Autres | 17534 | 3087.37885 | 62650.87093925457 | 113973 | 170658.62679999997 | 313443.26896 | 681347.1455492545 | 7443.003279999999 | 7443.003279999999 | 32836 | 32836 | 721626.1488292544 347536 | 12121.46314 | 310263.0471698372 | 616649 | 976069.6256500001 | 1512647.5709499998 | 3775286.706909837 | 17599.53428 | 17599.53428 | 76003 | 76003 | 3868889.2411898365 PRODUIT NET BANCAIRE | 1798610 | 53604.48553 | 624018.1126284772 | 1119588 | 2206762.55644 | 3577768.6067899996 | 9380351.761388477 | 136577.59947000004 | 136577.59947000004 | 95394 | 95394 | 9612323.360858478 Dotation à la provision pour créances douteuses | 300000 | 9000 | 4685.614875285388 | 61050 | 352491.31236999994 | 254514.85327000002 | 981741.7805152854 | -1821.4077999999997 | -1821.4077999999997 | 0 | 0 | 979920.3727152854 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1498610 | 44604.48553 | 619332.4977531917 | 1058538 | 1854271.24407 | 3323253.75352 | 8398609.980873192 | 138399.00727000003 | 138399.00727000003 | 95394 | 95394 | 8632402.988143193 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 715518 | 34882.44141 | 236242.04523000002 | 273354 | 585122.31048 | 1019987.8171300001 | 2865106.61425 | 39961.67533 | 39961.67533 | 18046 | 18046 | 2923114.28958 Frais de locaux | 36516 | 4933.73153 | 108590.53133999999 | 32469 | 61009.85541999999 | 91346.85015 | 334865.96843999997 | 19600.97696 | 19600.97696 | 194 | 194 | 354660.94539999997 Amortissement | 53436 | 1832.6163499999998 | 21942.661749999996 | 33589 | 96454.70368 | 185919.64401 | 393174.62578999996 | 4369.13132 | 4369.13132 | 3984 | 3984 | 401527.75710999995 Autres dépenses d'exploitation | 256074 | 36136.26694 | 203537.62579365497 | 370367 | 668578.92657 | 979260.2081899999 | 2513954.0274936548 | 32197.33444000002 | 32197.33444000002 | 39330 | 39330 | 2585481.3619336546 1061544 | 77785.05622999999 | 570312.8641136549 | 709779 | 1411165.79615 | 2276514.5194800003 | 6107101.235973654 | 96129.11805000002 | 96129.11805000002 | 61554 | 61554 | 6264784.354023655 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | -33180.57069999999 | 49019.6336395368 | 348759 | 443105.44791999995 | 1046739.2340399995 | 2291508.7448995374 | 42269.88922000001 | 42269.88922000001 | 33840 | 33840 | 2367618.6341195377 Impôts sur le revenu | 0 | 0 | 17097.96089137266 | 77897 | 141850 | 224616.16437 | 461461.12526137265 | 11412.870089400007 | 11412.870089400007 | 10510 | 10510 | 483383.99535077263 BÉNÉFICE NET (PERTE NETTE) | 437066 | -33180.57069999999 | 31921.67274816414 | 270862 | 301255.44791999995 | 822123.0696699995 | 1830047.6196381648 | 30857.019130600005 | 30857.019130600005 | 23330 | 23330 | 1884234.6387687651 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2023 (Octobre 22 - Décembre 2022) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 397891 | 11863.31016 | 354555.8539 | 578721 | 1309329.0466200002 | 1297698.5610700003 | 3950058.7717500003 | 118624.67507999999 | 118624.67507999999 | 6016 | 6016 | 4074699.4468300003 Intérêts sur Bons B.R.H. | 3343 | 0 | 0 | 6360 | 194422.71977000003 | 0 | 204125.71977000003 | 0 | 0 | 0 | 0 | 204125.71977000003 Autres | 932764 | 52042.894290000004 | 56903.627987299995 | 46685 | 165321.02375999998 | 501985.35482 | 1755701.9008573 | 29182.915700000005 | 29182.915700000005 | 7589 | 7589 | 1792473.8165573 1333998 | 63906.204450000005 | 411459.4818873 | 631766 | 1669072.7901500002 | 1799683.9158900003 | 5909886.3923773 | 147807.59078 | 147807.59078 | 13605 | 13605 | 6071298.9831573 Dépenses d'intérêt | 148258 | 10625.64338 | 115949.31978 | 110207 | 230007.14439 | 226190.35097000003 | 841237.45852 | 41304.206584987005 | 41304.206584987005 | 1066 | 1066 | 883607.665104987 1185740 | 53280.56107 | 295510.16210729996 | 521559 | 1439065.6457600002 | 1573493.5649200003 | 5068648.9338573 | 106503.384195013 | 106503.384195013 | 12539 | 12539 | 5187691.318052313 AUTRES REVENUS Commissions | 213914 | 2991.9057199999997 | 102073.48521 | 265264 | 489751.1184899999 | 530123.7669000002 | 1604118.2763200002 | 3889.0671199999997 | 3889.0671199999997 | 16422 | 16422 | 1624429.3434400002 Gains sur change | 25825 | -1346.74247 | 99673.785790338 | 264640 | 357911.0181 | 841443.29414 | 1588146.3555603381 | 7234.12361 | 7234.12361 | 33032 | 33032 | 1628412.479170338 Autres | 24060 | 562.51954 | 64124.33967 | 321413 | 267091.10519000003 | 1330302.4551 | 2007553.4194999998 | 8082.119930000001 | 8082.119930000001 | 23609 | 23609 | 2039244.53943 263799 | 2207.68279 | 265871.61067033804 | 851317 | 1114753.2417799998 | 2701869.51614 | 5199818.051380338 | 19205.31066 | 19205.31066 | 73063 | 73063 | 5292086.362040338 PRODUIT NET BANCAIRE | 1449539 | 55488.24386 | 561381.7727776379 | 1372876 | 2553818.88754 | 4275363.08106 | 10268466.98523764 | 125708.694855013 | 125708.694855013 | 85602 | 85602 | 10479777.680092651 Dotation à la provision pour créances douteuses | 0 | 9000 | 107296.99703999999 | 138550 | 569231.02598 | 102422.978 | 926501.00102 | -4900.864129999998 | -4900.864129999998 | 0 | 0 | 921600.13689 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1449539 | 46488.24386 | 454084.77573763794 | 1234326 | 1984587.86156 | 4172940.1030599996 | 9341965.98421764 | 130609.558985013 | 130609.558985013 | 85602 | 85602 | 9558177.543202652 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 676970 | 26226.037769999995 | 208326.32789999997 | 240731 | 556438.3441400001 | 689496.1313700001 | 2398187.84118 | 37936.44096 | 37936.44096 | 31571 | 31571 | 2467695.28214 Frais de locaux | 31389 | 4753.4806100000005 | 85349.78602999999 | 72907 | 61318.62551999999 | 78493.73190000001 | 334211.62406 | 17579.21165 | 17579.21165 | 6341 | 6341 | 358131.83571 Amortissement | 36841 | 1708.88481 | 22036.653329999997 | 28673 | 85470.76072 | 135377.04871 | 310107.34757 | 3713.60757 | 3713.60757 | 5300 | 5300 | 319120.95514 Autres dépenses d'exploitation | 301230 | 17417.42213 | 213406.3150556 | 319715 | 551255.3943 | 709722.48378 | 2112746.6152656 | 22055.544840000002 | 22055.544840000002 | 48829.65662 | 48829.65662 | 2183631.8167256 1046430 | 50105.82531999999 | 529119.0823156 | 662026 | 1254483.1246800001 | 1613089.3957600002 | 5155253.4280756 | 81284.80502 | 81284.80502 | 92041.65662 | 92041.65662 | 5328579.889715601 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 403109 | -3617.5814599999867 | -75034.30657796207 | 572300 | 730104.73688 | 2559850.7072999994 | 4186712.5561420396 | 49324.753965013006 | 49324.753965013006 | -6439.656619999994 | -6439.656619999994 | 4229597.653487051 Impôts sur le revenu | 0 | 0 | -22510.291973388594 | 139251 | 167000 | 349994.16209999996 | 633734.8701266113 | 13317.683571899997 | 13317.683571899997 | 0 | 0 | 647052.5536985113 BÉNÉFICE NET (PERTE NETTE) | 403109 | -3617.5814599999867 | -52524.01460457347 | 433049 | 563104.73688 | 2209856.5451999996 | 3552977.686015428 | 36007.07039311301 | 36007.07039311301 | -6439.656619999994 | -6439.656619999994 | 3582545.0997885396 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 118424758.99841 | 0 | 0 | 0 | 0 | 0 | 0 | 0.002246729884942882 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015 | 0.21434102271599692 | 85250364.6533 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 800000 | 0 | 1000000 | 0 | 0 Prêts nets | 19026181 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04432206833539526 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185 | 0.07321871539985783 | 22573390.35592 Dépôts | 91442473 | 0 | 0 | 0 | 0 | 0 | 0 | -0.008305520312588743 | 92208311 | 0.001240622942694337 | 92094057 | 0.17949430932194144 | 78079272 | 0.2710003946437675 | 61431351.5 Avoir des Actionnaires | 11898591 | 0 | 0 | 0 | 0 | 0 | 0 | 0.038133410530746176 | 11461524 | 0.16448086299113526 | 9842604 | 0.1310342640293881 | 8702304 | 0.06445722650936768 | 8175344 0 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 1451074 | 0.2237708097896672 | 1185740 | 0 | 0 | 1312266 | 0 | 0 | 1322099 | 0 | 0 | 1723807 | 1451074 | 0.2237708097896672 | 1185740 Autres revenus | 347536 | 0.317427283651568 | 263799 | 0 | 0 | 196417 | 0 | 0 | 194449 | 0 | 0 | 335086 | 347536 | 0.317427283651568 | 263799 Dot. à la prov. pr créances douteuses | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 40000 | 0 | 0 | 600000 | 300000 | 0 Dépenses d'exploitation | 1061544 | 0.014443393251340272 | 1046430 | 0 | 0 | 1113924 | 0 | 0 | 1110795 | 0 | 0 | 1052645 | 1061544 | 0.014443393251340272 | 1046430 Bénéfice (perte) net | 437066 | 0.08423776199489467 | 403109 | 0 | 0 | 394759 | 0 | 0 | 365753 | 0 | 0 | 406248 | 437066 | 0.08423776199489467 | 403109 0 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) | 0 Structure financière Avoir des actionnaires en % de l'actif | 0.1004738460152556 | 0.08022561553217938 | 0 | 0.08379025100001866 | 0 | 0.09001178039612535 | 0 | 0.09700061917501576 | 0.1004738460152556 | 0.08022561553217938 | 0.09700061917501576 | 0.08183439811010634 | 0.08406153935914637 | 0.0958980531432077 Dépôts en % de l'actif | 0.7721567159889912 | 0.7796794975836135 | 0 | 0.7861192019620509 | 0 | 0.7897401360427808 | 0 | 0.7803729469207077 | 0.7721567159889912 | 0.7796794975836135 | 0.7803729469207077 | 0.765697951894928 | 0.7542213873890747 | 0.7205992813031565 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.3109874642403791 | 0.2981704543489519 | 0 | 0.32293642100114306 | 0 | 0.2897182770420167 | 0 | 0.31028335835250215 | 0.3109874642403791 | 0.2981704543489519 | 0.31028335835250215 | 0.2061279151235176 | 0.16976937609801523 | 0.13055755492733703 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.5356636288369491 | 0.490875822346351 | 0 | 0.48628585042232236 | 0 | 0.5505672330783483 | 0 | 0.48539821250531273 | 0.5356636288369491 | 0.490875822346351 | 0.48539821250531273 | 0.6844699825768059 | 0.6749281125897745 | 0.6360964566757642 Prêts improductifs nets en % de l'avoir des actionnaires | 0.27705767851000174 | 0.37957602365008664 | 0 | 0.3807112944083364 | 0 | 0.28167874419339656 | 0 | 0.3265283046128944 | 0.27705767851000174 | 0.37957602365008664 | 0.3265283046128944 | 0.16951337268064426 | 0.17351669167153894 | 0.14306456095303147 Rentabilité ROA (rendement de l'actif) | 0.014779221419122721 | 0.01300425564097543 | 0 | 0.012474169025777365 | 0 | 0.011879551655816048 | 0 | 0.013597735247297875 | 0.014779221419122721 | 0.01300425564097543 | 0.013168167139600218 | 0.013424277485871085 | 0.012804772919886341 | 0.017398664580816927 ROE ( rendement avoir des action.) | 0.14967940012281616 | 0.16053470283249713 | 0 | 0.1521387288583535 | 0 | 0.13679370892482337 | 0 | 0.14548188560313574 | 0.14967940012281616 | 0.16053470283249713 | 0.1473769778326529 | 0.16200253044124027 | 0.14321902315891402 | 0.18678417782147982 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8960017882073407 | 0.8888619023416827 | 0 | 0.8929713177503318 | 0 | 0.8942896239732843 | 0 | 0.9157164955792078 | 0.8960017882073407 | 0.8888619023416827 | 0.8993440556615856 | 0.8894728611533587 | 0.8742902521344234 | 0.8426242348035025 Rendement moyen des prêts | 0.09199836448043659 | 0.06208396589923204 | 0 | 0.0805737371297326 | 0 | 0.0760648870999177 | 0 | 0.14242968501607192 | 0.09199836448043659 | 0.06208396589923204 | 0.08914980071130708 | 0.07913494619422924 | 0.0788273284435848 | 0.09596795073503067 Rendement moyen des prêts productifs | 0.13345296095770823 | 0.08301307777634459 | 0 | 0.1168042380882673 | 0 | 0.10968792652241781 | 0 | 0.20346527801453637 | 0.13345296095770823 | 0.08301307777634459 | 0.11980193358112166 | 0.09738041457047548 | 0.09286895347513731 | 0.11747621163588289 Rémunération moyenne des dépôts | 0.007336750601620083 | 0.006188120374505706 | 0 | 0.006348543457685431 | 0 | 0.00644238641752595 | 0 | 0.006764184249573036 | 0.007336750601620083 | 0.006188120374505706 | 0.006733315548067185 | 0.006003690507811597 | 0.007464132650801321 | 0.012282762603193555 Dépenses d'exploitation en % du produit net bancaire | 0.5902024341018898 | 0.721905378192653 | 0 | 0.7383419843664971 | 0 | 0.7324496158380743 | 0 | 0.51126746266076 | 0.5902024341018898 | 0.721905378192653 | 0.6617718116162404 | 0.6507434355959172 | 0.6400812257592949 | 0.5068533381221949 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8822.121397915389 | 6785.437097717963 | 0 | 7112.235710076606 | 0 | 7317.481302774427 | 0 | 10326.73605015674 | 8822.121397915389 | 6785.437097717963 | 10669.382322923046 | 6754.8363997558 | 5654.609610621538 | 6294.964816176287 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 6726892 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2930218754288838 | 5202458 | -0.11195439377446413 | 5858323 | 0.18497830525081502 | 4943823 | 0.16348325091306345 | 4249157 Avoirs à la BRH | 37779678 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01967478614495449 | 38537903 | 0.0014565306925318799 | 38481853 | 0.20349147715429378 | 31975177 | 0.3722471870644091 | 23301324.5 Avoirs à l'étranger | 2515351 | 0 | 0 | 0 | 0 | 0 | 0 | -0.11637150918845394 | 2846616 | -0.4261786141563718 | 4960805 | -0.13370522083177697 | 5726463 | 2.6639233184809066 | 1562932 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 865531 | 0 | 0 | 0 | 0 | 0 | 0 | 0.25616230399925694 | 689028 | 0.2645778427068574 | 544868 | 0.6701600370282954 | 326237 | 0.010631492501202811 | 322805.1 47887452 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01293355900101965 | 47276005 | -0.05155582764775458 | 49845849 | 0.15996921229553404 | 42971700 | 0.4598240549823882 | 29436218.6 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 800000 | 0 | 1000000 | 0 | 0 Bons du Trésor / M.E.F. | 27600000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01098901098901099 | 27300000 | 0.05813953488372093 | 25800000 | 0.425414364640884 | 18100000 | -0.05974025974025974 | 19250000 Autres Placements | 17951503 | 0 | 0 | 0 | 0 | 0 | 0 | 0.008462001187357564 | 17800872 | 0.18835284339545177 | 14979450 | 0.24755154854898515 | 12007079 | 0.2674044107388846 | 9473755.099999998 Portefeuille net | 19026181 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04432206833539526 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185 | 0.07321871539985783 | 22573390.35592 Immobilisations | 2970057.9984100005 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012753281858943052 | 2932656.99713 | -0.012998776612205007 | 2971280.00213 | 0.07784804831394886 | 2756678 | 0.17694359185181194 | 2342234.59738 Autres actifs | 2989565 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01644984348134747 | 2941183 | -0.2349636532803607 | 3844501 | 0.5619335224689634 | 2461373 | 0.1317875118518498 | 2174766 118424758.99841 | 0 | 0 | 0 | 0 | 0 | 0 | 0.002246729884942882 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015 | 0.21434102271599692 | 85250364.6533 PASSIF Dépôts À vue | 42712591 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00423792173770854 | 42894374 | -0.05901912889895229 | 45584746 | 0.17756926391991626 | 38710883 | 0.26396948283701815 | 30626438 Épargne | 36853543 | 0 | 0 | 0 | 0 | 0 | 0 | -0.005600802890037173 | 37061115 | 0.08604302341647545 | 34124905 | 0.1983036327610699 | 28477678 | 0.3670893355792935 | 20830883 À terme | 11876339 | 0 | 0 | 0 | 0 | 0 | 0 | -0.030726227802868596 | 12252822 | -0.010624974665720746 | 12384406 | 0.1371531206732049 | 10890711 | 0.09190672717513747 | 9974030.5 91442473 | 0 | 0 | 0 | 0 | 0 | 0 | -0.008305520312588743 | 92208311 | 0.001240622942694337 | 92094057 | 0.17949430932194144 | 78079272 | 0.2710003946437675 | 61431351.5 Obligations à vue Banques locales | 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 Autres | 5293697 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10878113179646438 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874 | -0.006949027916427517 | 2970516.2 5293697 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10878113179646438 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874 | -0.006949027916427517 | 2970516.2 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2351169 | -0.6153209703882246 | 6112028 | -0.1785475006898046 | 7440513 | -0.002116734636071315 | 7456296 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8590592 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3189411306093165 | 6513249 | 0.0033361616071989736 | 6491592 | 0.23621209339738986 | 5251196 | 0.2501588530488477 | 4200423 8590592 | 0 | 0 | 0 | 0 | 0 | 0 | -0.030890465679754724 | 8864418 | -0.29667682776853 | 12603620 | -0.006940672843980271 | 12691709 | 0.08878913526181767 | 11656719 Autres passifs | 1199406 | 0 | 0 | 0 | 0 | 0 | 0 | 0.40991307107717806 | 850695 | -0.3552722923853929 | 1319464 | 0.1996697749523574 | 1099856 | 0.08207320888518094 | 1016434 106526168 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0016082342794759437 | 106697763 | -0.03381525531930943 | 110432051 | 0.16464061316730688 | 94820711 | 0.23023918954328607 | 77075020.7 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 2967392 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2967392 | 0.38115941556794364 | 2148479 | 0.019997559767883602 | 2106357 | 0.833928722239974 | 1148549 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228000 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 5931199 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07955160159967034 | 5494132 | 0.1704272894309376 | 4694125 | 0.305393266363492 | 3595947 | -0.05339798541379569 | 3798795 11898591 | 0 | 0 | 0 | 0 | 0 | 0 | 0.038133410530746176 | 11461524 | 0.16448086299113526 | 9842604 | 0.1310342640293881 | 8702304 | 0.06445722650936768 | 8175344 118424759 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0022467298740555196 | 118159287 | -0.017587811829516367 | 120274655 | 0.1618156117265325 | 103523015 | 0.21434102205078304 | 85250364.7 Hors-bilan Effets à l'encaissement | 1639837 | 0 | 0 | 0 | -0.0184689826317582 | 1670693 | 1464704 | 1211933 | 820292.2 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4124250 | 0 | 0 | 0 | 0.04859314230127835 | 3933127 | 4662878 | 4577443 | 3804475.364544665 Portefeuille brut | 22829171 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02600503142346449 | 23438695 | -0.0863140585932172 | 25652901 | -0.06243855144168766 | 27361301 | 0.11144233190052834 | 24617832.35592 Provisions pour créances douteuses | 3802990 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07729612974044829 | 3530125 | -0.024645748959889215 | 3619326 | 0.1544472357641631 | 3135116 | 0.5334824856855808 | 2044442 Portefeuille de crédit improductif | 7099586 | 0 | 0 | 0 | 0 | 0 | 0 | -0.023794807853052477 | 7272637 | 0.3753670491902177 | 5287779 | 0.13835363675916462 | 4645111 | 0.4452543275698777 | 3214044 [bnccomp ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 6726892 | 0.05680308794287111 | 0 | 0 | 0 | 0 | 0 | 0 | 5202458 | 0.04402919256043212 | 5858323 | 0.048707876151432336 | 4943823 | 0.047755786478977644 | 4249157 | 0.04984327066846766 Avoirs à la BRH | 37779678 | 0.31901840729527886 | 0 | 0 | 0 | 0 | 0 | 0 | 38537903 | 0.32615212887105566 | 38481853 | 0.3199498098690743 | 31975177 | 0.3088702256208438 | 23301324.5 | 0.2733281504983922 Avoirs à l'étranger | 2515351 | 0.021240077001412953 | 0 | 0 | 0 | 0 | 0 | 0 | 2846616 | 0.02409134374743766 | 4960805 | 0.04124563899112533 | 5726463 | 0.055315844500858094 | 1562932 | 0.018333434775982507 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 865531 | 0.007308699695235359 | 0 | 0 | 0 | 0 | 0 | 0 | 689028 | 0.0058313486608694235 | 544868 | 0.004530197987184837 | 326237 | 0.003151347553005484 | 322805.1 | 0.0037865538911510607 47887452 | 0.40437027193479824 | 0 | 0 | 0 | 0 | 0 | 0 | 47276005 | 0.4001040138397949 | 49845849 | 0.4144335229988168 | 42971700 | 0.41509320415368506 | 29436218.6 | 0.3452914098339935 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 800000 | 0.006651442899468989 | 1000000 | 0.0096596877515594 | 0 | 0 Bons du Trésor / M.E.F. | 27600000 | 0.23305937232576984 | 0 | 0 | 0 | 0 | 0 | 0 | 27300000 | 0 | 25800000 | 0 | 18100000 | 0 | 19250000 | 0 Autres Placements | 17951503 | 0.15158572541609328 | 0 | 0 | 0 | 0 | 0 | 0 | 17800872 | 0.15065148455434035 | 14979450 | 0.12454369542556344 | 12007079 | 0.11598463394830609 | 9473755.099999998 | 0.11112861673411356 Portefeuille net | 19026181 | 0.1606605000585684 | 0 | 0 | 0 | 0 | 0 | 0 | 19908570 | 0.1684892529901908 | 22033575 | 0.18319383247958432 | 24226185 | 0.23401738251151205 | 22573390.35592 | 0.2647893700833125 Immobilisations | 2970057.9984100005 | 0.0250797048145133 | 0 | 0 | 0 | 0 | 0 | 0 | 2932656.99713 | 0.024819521779961586 | 2971280.00213 | 0.02470412409062724 | 2756678 | 0.02662864871159326 | 2342234.59738 | 0.027474775115690176 Autres actifs | 2989565 | 0.025244425450256888 | 0 | 0 | 0 | 0 | 0 | 0 | 2941183 | 0.02489167863776496 | 3844501 | 0.03196434859806429 | 2461373 | 0.023776094620119013 | 2174766 | 0.025510342493483 118424758.99841 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 118159286.99713 | 1 | 120274655.00213 | 1 | 103523015 | 1 | 85250364.6533 | 1 PASSIF Dépôts À vue | 42712591 | 0.3606728133647582 | 0 | 0 | 0 | 0 | 0 | 0 | 42894374 | 0.36302160490391133 | 45584746 | 0.37900541888224676 | 38710883 | 0.373935042367149 | 30626438 | 0.35925286800300466 Épargne | 36853543 | 0.311197956505825 | 0 | 0 | 0 | 0 | 0 | 0 | 37061115 | 0.3136538476311234 | 34124905 | 0.2837248213216298 | 28477678 | 0.2750854773694526 | 20830883 | 0.2443494885296499 À terme | 11876339 | 0.10028594611840802 | 0 | 0 | 0 | 0 | 0 | 0 | 12252822 | 0.10369749438567288 | 12384406 | 0.10296771169105144 | 10890711 | 0.10520086765247322 | 9974030.5 | 0.11699692477050196 91442473 | 0.7721567159889912 | 0 | 0 | 0 | 0 | 0 | 0 | 92208311 | 0.7803729469207077 | 92094057 | 0.765697951894928 | 78079272 | 0.7542213873890747 | 61431351.5 | 0.7205992813031565 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 | 5293697 | 0.04470093116314532 | 0 | 0 | 0 | 0 | 0 | 0 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146 5293697 | 0.04470093116314532 | 0 | 0 | 0 | 0 | 0 | 0 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2351169 | 0.01989830050393845 | 6112028 | 0.05081725655244456 | 7440513 | 0.07187303229141849 | 7456296 | 0.0874635085764571 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8590592 | 0.07254050650097028 | 0 | 0 | 0 | 0 | 0 | 0 | 6513249 | 0.05512261596634551 | 6491592 | 0.05397306689331212 | 5251196 | 0.050724913682237714 | 4200423 | 0.049271613289661204 8590592 | 0.07254050650097028 | 0 | 0 | 0 | 0 | 0 | 0 | 8864418 | 0.07502091647028396 | 12603620 | 0.10479032344575669 | 12691709 | 0.1225979459736562 | 11656719 | 0.1367351218661183 Autres passifs | 1199406 | 0.010128000345063852 | 0 | 0 | 0 | 0 | 0 | 0 | 850695 | 0.007199561046950653 | 1319464 | 0.010970424317381188 | 1099856 | 0.010624265531679115 | 1016434 | 0.011922928472314215 106526168 | 0.8995261539981706 | 0 | 0 | 0 | 0 | 0 | 0 | 106697763 | 0.9029993808492734 | 110432051 | 0.9181656018721842 | 94820711 | 0.9159384606408536 | 77075020.7 | 0.9041019474045905 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.025332540470192375 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0.02538945584592828 | 3000000 | 0.024942910873008713 | 3000000 | 0.028979063254678198 | 3000000 | 0.03519046531003749 Réserves | 2967392 | 0.025057192643641698 | 0 | 0 | 0 | 0 | 0 | 0 | 2967392 | 0.025113489387186938 | 2148479 | 0.017863106736510294 | 2106357 | 0.020346750913311402 | 1148549 | 0.01347265791379275 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228000 | 0.0026744753635628495 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 5931199 | 0.050084112901421514 | 0 | 0 | 0 | 0 | 0 | 0 | 5494132 | 0.04649767394190055 | 4694125 | 0.03902838050058734 | 3595947 | 0.034735725191156766 | 3798795 | 0.04456045455581462 11898591 | 0.1004738460152556 | 0 | 0 | 0 | 0 | 0 | 0 | 11461524 | 0.09700061917501576 | 9842604 | 0.08183439811010634 | 8702304 | 0.08406153935914637 | 8175344 | 0.0958980531432077 118424759 | 1.0000000000134261 | 0 | 0 | 0 | 0 | 0 | 0 | 118159287 | 1.0000000000242892 | 120274655 | 0.9999999999822905 | 103523015 | 1 | 85250364.7 | 1.0000000005477983 [bncgdes&$ ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 3466271 | 3260621 | 6726892 | 0.515285662383163 | 1948472 | 3253986 | 5202458 | 0.37452911681362927 Avoirs à la BRH | 16537012 | 21242666 | 37779678 | 0.43772241785649946 | 19326474 | 19211429 | 38537903 | 0.5014926214329825 Avoirs à l'étranger | 2515351 | 0 | 2515351 | 0 | 2846616 | 0 | 2846616 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 494577 | 370954 | 865531 | 0.5714145420556861 | 200064 | 488964 | 689028 | 0.29035685051986276 23013211 | 24874241 | 47887452 | 0.4805687093144985 | 24321626 | 22954379 | 47276005 | 0.5144602637215222 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 27600000 | 27600000 | 0 | 0 | 27300000 | 27300000 | 0 Autres Placements | 16564791 | 1386712 | 17951503 | 0.9227523177307215 | 16514161 | 1286711 | 17800872 | 0.9277164062524578 Portefeuille net | 4752451 | 14273730 | 19026181 | 0.2497848096788315 | 4934627 | 14973943 | 19908570 | 0.24786446238981505 Immobilisations | 0 | 2970057.9984100005 | 2970057.9984100005 | 0 | 0 | 2932656.99713 | 2932656.99713 | 0 Autres actifs | 367634 | 2621931 | 2989565 | 0.12297240568443904 | 457465 | 2483718 | 2941183 | 0.15553775470618456 44698087 | 73726671.99841 | 118424758.99841 | 0.3774386992892266 | 46227879 | 71931407.99713 | 118159286.99713 | 0.39123356424047173 PASSIF Dépôts À vue | 17944277 | 24768314 | 42712591 | 0.42011679881466335 | 18878274 | 24016100 | 42894374 | 0.44011072407770774 Épargne | 16272224 | 20581319 | 36853543 | 0.44153757482693046 | 16762282 | 20298833 | 37061115 | 0.45228757958307514 À terme | 6416450 | 5459889 | 11876339 | 0.5402717116781527 | 6632899 | 5619923 | 12252822 | 0.5413364366184378 40632951 | 50809522 | 91442473 | 0.4443553380276581 | 42273455 | 49934856 | 92208311 | 0.4584560170503503 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 | 1356258 | 3937439 | 5293697 | 0.2562024233725504 | 1228744 | 3545595 | 4774339 | 0.25736421314029023 1356258 | 3937439 | 5293697 | 0.2562024233725504 | 1228744 | 3545595 | 4774339 | 0.25736421314029023 Obligations à terme Banques locales | 0 | 2160947 | 2160947 | 0 | 0 | 2351169 | 2351169 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2706486 | 3723159 | 6429645 | 0.4209386365810243 | 2717774 | 3795475 | 6513249 | 0.41726855521721956 2706486 | 5884106 | 8590592 | 0.3150523270107578 | 2717774 | 6146644 | 8864418 | 0.3065936195698353 Autres passifs | 0 | 1199406 | 1199406 | 0 | 0 | 850695 | 850695 | 0 44695695 | 61830473 | 106526168 | 0.41957479405435855 | 46219973 | 60477790 | 106697763 | 0.433185960984018 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 2967392 | 2967392 | 0 | 0 | 2967392 | 2967392 | 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 | 5931199 | 5931199 | 0 | 0 | 5494132 | 5494132 | 0 0 | 11898591 | 11898591 | 0 | 0 | 11461524 | 11461524 | 0 44695695 | 73729064 | 118424759 | 0.3774185008052244 | 46219973 | 71939314 | 118159287 | 0.39116665455166466 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes [bncrésult ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 | 532071 | 0 | 0 | 0 | 0 | 0 | 0 | 397891 | 0.2591161901123675 | 500991 | -0.09555660680531188 | 453118 | 0.8455523726711365 | 836253 Intérêts sur bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3343 | -1 | 0 | 0 | 1248 | -0.625 | 468 Autres | 1087428 | 0 | 0 | 0 | 0 | 0 | 0 | 932764 | 0.03837519458298133 | 968559 | 0.05725412700723446 | 1024013 | 0.02122433992537204 | 1045747 1619499 | 0 | 0 | 0 | 0 | 0 | 0 | 1333998 | 0.10161334574714505 | 1469550 | 0.006007961620904358 | 1478379 | 0.2733324810484997 | 1882468 Dépenses d'intérêt | 168425 | 0 | 0 | 0 | 0 | 0 | 0 | 148258 | 0.06088035721512498 | 157284 | -0.006383357493451336 | 156280 | 0.015235474788840542 | 158661 1451074 | 0 | 0 | 0 | 0 | 0 | 0 | 1185740 | 0.10670636058495117 | 1312266 | 0.00749314544459736 | 1322099 | 0.30384108905611457 | 1723807 AUTRES REVENUS Commissions | 264052 | 0 | 0 | 0 | 0 | 0 | 0 | 213914 | 0.21589517282646298 | 260097 | -0.1917361599710877 | 210227 | 0.26630737250686165 | 266212 Gains sur change | 65950 | 0 | 0 | 0 | 0 | 0 | 0 | 25825 | -4.213475314617619 | -82988 | 0.4611630597194775 | -44717 | 0.280005367086343 | -32196 Autres | 17534 | 0 | 0 | 0 | 0 | 0 | 0 | 24060 | -0.1975062344139651 | 19308 | 0.49880878392376216 | 28939 | 2.492518746328484 | 101070 347536 | 0 | 0 | 0 | 0 | 0 | 0 | 263799 | -0.25542932308310495 | 196417 | -0.010019499330506016 | 194449 | 0.7232590550735668 | 335086 PRODUIT NET BANCAIRE | 1798610 | 0 | 0 | 0 | 0 | 0 | 0 | 1449539 | 0.04080193771950944 | 1508683 | 0.00521315611032934 | 1516548 | 0.35761809055829424 | 2058893 Dotation à la provision pour créances douteuses | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40000 | 14 | 600000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1498610 | 0 | 0 | 0 | 0 | 0 | 0 | 1449539 | 0.04080193771950944 | 1508683 | -0.021300034533430812 | 1476548 | -0.011956942815269128 | 1458893 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 715518 | 0 | 0 | 0 | 0 | 0 | 0 | 676970 | 0.07172252832474113 | 725524 | 0.009775003997111054 | 732616 | -0.09474404053419527 | 663205 Frais de locaux | 36516 | 0 | 0 | 0 | 0 | 0 | 0 | 31389 | 0.09324922743636306 | 34316 | -0.14672455997202472 | 29281 | 0.27700556674976945 | 37392 Amortissement | 53436 | 0 | 0 | 0 | 0 | 0 | 0 | 36841 | 0.1075432262967889 | 40803 | 0.16903168884640835 | 47700 | 0.05651991614255765 | 50396 Autres dépenses d'exploitation | 256074 | 0 | 0 | 0 | 0 | 0 | 0 | 301230 | 0.04000597550044816 | 313281 | -0.038569207835776824 | 301198 | 0.0015073141255918035 | 301652 1061544 | 0 | 0 | 0 | 0 | 0 | 0 | 1046430 | 0.06449929761188039 | 1113924 | -0.0028089887640449437 | 1110795 | -0.05234989354471347 | 1052645 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | 0 | 0 | 0 | 0 | 0 | 0 | 403109 | -0.02071400043164504 | 394759 | -0.07347774211607588 | 365753 | 0.11071679521425662 | 406248 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 437066 | 0 | 0 | 0 | 0 | 0 | 0 | 403109 | -0.02071400043164504 | 394759 | -0.07347774211607588 | 365753 | 0.11071679521425662 | 406248 0 | 0 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 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 | 532071 | 0.33722803481355446 | 397891 | 0 | 0 | 500991 | 0 | 0 | 453118 | 0 | 0 | 836253 | 532071 | 0.33722803481355446 | 397891 | 2188253 Intérêts sur bons B.R.H. | 0 | -1 | 3343 | 0 | 0 | 0 | 0 | 0 | 1248 | 0 | 0 | 468 | 0 | -1 | 3343 | 5059 Autres | 1087428 | 0.16581257424171603 | 932764 | 0 | 0 | 968559 | 0 | 0 | 1024013 | 0 | 0 | 1045747 | 1087428 | 0.16581257424171603 | 932764 | 3971083 1619499 | 0.21401906149784333 | 1333998 | 0 | 0 | 1469550 | 0 | 0 | 1478379 | 0 | 0 | 1882468 | 1619499 | 0.21401906149784333 | 1333998 | 6164395 Dépenses d'intérêt | 168425 | 0.13602638643445886 | 148258 | 0 | 0 | 157284 | 0 | 0 | 156280 | 0 | 0 | 158661 | 168425 | 0.13602638643445886 | 148258 | 620483 1451074 | 0.2237708097896672 | 1185740 | 0 | 0 | 1312266 | 0 | 0 | 1322099 | 0 | 0 | 1723807 | 1451074 | 0.2237708097896672 | 1185740 | 5543912 AUTRES REVENUS Commissions | 264052 | 0.23438391129145358 | 213914 | 0 | 0 | 260097 | 0 | 0 | 210227 | 0 | 0 | 266212 | 264052 | 0.23438391129145358 | 213914 | 950450 Gains sur change | 65950 | 1.553727008712488 | 25825 | 0 | 0 | -82988 | 0 | 0 | -44717 | 0 | 0 | -32196 | 65950 | 1.553727008712488 | 25825 | -134076 Autres | 17534 | -0.271238570241064 | 24060 | 0 | 0 | 19308 | 0 | 0 | 28939 | 0 | 0 | 101070 | 17534 | -0.271238570241064 | 24060 | 173377 347536 | 0.317427283651568 | 263799 | 0 | 0 | 196417 | 0 | 0 | 194449 | 0 | 0 | 335086 | 347536 | 0.317427283651568 | 263799 | 989751 PRODUIT NET BANCAIRE | 1798610 | 0.24081518331000407 | 1449539 | 0 | 0 | 1508683 | 0 | 0 | 1516548 | 0 | 0 | 2058893 | 1798610 | 0.24081518331000407 | 1449539 | 6533663 Dotation à la provision pour créances douteuses | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40000 | 0 | 0 | 600000 | 300000 | 0 | 640000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1498610 | 0.033852831831361556 | 1449539 | 0 | 0 | 1508683 | 0 | 0 | 1476548 | 0 | 0 | 1458893 | 1498610 | 0.033852831831361556 | 1449539 | 5893663 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 715518 | 0.05694196197763564 | 676970 | 0 | 0 | 725524 | 0 | 0 | 732616 | 0 | 0 | 663205 | 715518 | 0.05694196197763564 | 676970 | 2798315 Frais de locaux | 36516 | 0.16333747491159323 | 31389 | 0 | 0 | 34316 | 0 | 0 | 29281 | 0 | 0 | 37392 | 36516 | 0.16333747491159323 | 31389 | 132378 Amortissement | 53436 | 0.45044922776254714 | 36841 | 0 | 0 | 40803 | 0 | 0 | 47700 | 0 | 0 | 50396 | 53436 | 0.45044922776254714 | 36841 | 175740 Autres dépenses d'exploitation | 256074 | -0.14990538790957075 | 301230 | 0 | 0 | 313281 | 0 | 0 | 301198 | 0 | 0 | 301652 | 256074 | -0.14990538790957075 | 301230 | 1217361 1061544 | 0.014443393251340272 | 1046430 | 0 | 0 | 1113924 | 0 | 0 | 1110795 | 0 | 0 | 1052645 | 1061544 | 0.014443393251340272 | 1046430 | 4323794 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | 0.08423776199489467 | 403109 | 0 | 0 | 394759 | 0 | 0 | 365753 | 0 | 0 | 406248 | 437066 | 0.08423776199489467 | 403109 | 1569869 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 437066 | 0.08423776199489467 | 403109 | 0 | 0 | 394759 | 0 | 0 | 365753 | 0 | 0 | 406248 | 437066 | 0.08423776199489467 | 403109 | 1569869 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 532071 | 0.33722803481355446 | 397891 | 2188253 | 0.04319858245680902 | 2097638.0114 | 0.023893291791855075 | 2048688.10863 | -0.08960054117248659 | 2250317.80145 Intérêts sur Bons B.R.H. | 0 | -1 | 3343 | 5059 | -0.9587777551436137 | 122725 | 1.4625278407608804 | 49837 | -0.9233885335983947 | 650516.2 Autres | 1087428 | 0.16581257424171603 | 932764 | 3971083 | 0.6536298728176582 | 2401434 | 0.17529472860810588 | 2043261.1 | 0.06519383556337942 | 1918205.8999799998 1619499 | 0.21401906149784333 | 1333998 | 6164395 | 0.3337658457944105 | 4621797.0114 | 0.11589463545217031 | 4141786.20863 | -0.14053705855372392 | 4819039.90143 Dépenses d'intérêt | 168425 | 0.13602638643445886 | 148258 | 620483 | 0.21464702819311166 | 510834 | -0.018877665376196427 | 520662.9 | -0.3134719978383124 | 758400.092 1451074 | 0.2237708097896672 | 1185740 | 5543912 | 0.34856771628115546 | 4110963.0114 | 0.13527285900554548 | 3621123.30863 | -0.10823823865867468 | 4060639.8094299994 AUTRES REVENUS Commissions | 264052 | 0.23438391129145358 | 213914 | 950450 | 0.22976219896412475 | 772873 | 0.1040017712640969 | 700065 | 0.1670704633389687 | 599848.1 Gains sur change | 65950 | 1.553727008712488 | 25825 | -134076 | -1.4662150884611105 | 287584 | 0.3732928389968101 | 209412 | -0.2906239340067391 | 295205.9 Autres | 17534 | -0.271238570241064 | 24060 | 173377 | -0.5194530905704411 | 360791 | 4.657691704563274 | 63770 | -0.4449973389985322 | 114900.35 347536 | 0.317427283651568 | 263799 | 989751 | -0.3036042970684919 | 1421248 | 0.4603158293834967 | 973247 | -0.03634555363814214 | 1009954.35 PRODUIT NET BANCAIRE | 1798610 | 0.24081518331000407 | 1449539 | 6533663 | 0.18102201570698384 | 5532211.0114 | 0.2041282351595329 | 4594370.30863 | -0.09391874715793326 | 5070594.159429999 Dotation à la provision pour créances douteuses | 300000 | 0 | 0 | 640000 | 0.4883720930232558 | 430000 | -0.033707865168539325 | 445000 | -0.5761904761904761 | 1050000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1498610 | 0.033852831831361556 | 1449539 | 5893663 | 0.15511941525578588 | 5102211.0114 | 0.2296350125194298 | 4149370.30863 | 0.0320291340268617 | 4020594.159429999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 715518 | 0.05694196197763564 | 676970 | 2798315 | 0.19603080437053463 | 2339668 | 0.1561777487121984 | 2023623.1 | 0.18883419206961014 | 1702191.2 Frais de locaux | 36516 | 0.16333747491159323 | 31389 | 132378 | 0.19713507989762974 | 110579 | 0.06727214817245607 | 103609 | -0.1889801685303108 | 127751.5 Amortissement | 53436 | 0.45044922776254714 | 36841 | 175740 | 0.14145048778269964 | 153962 | -0.01839997959808222 | 156848 | 0.45031554127464807 | 108147.5 Autres dépenses d'exploitation | 256074 | -0.14990538790957075 | 301230 | 1217361 | 0.22244514937625584 | 995841 | 0.5164550710294472 | 656690.07874 | 0.03913666286755085 | 631957.37597 1061544 | 0.014443393251340272 | 1046430 | 4323794 | 0.2010372078165581 | 3600050 | 0.22418610812439416 | 2940770.1787400004 | 0.14424736967372298 | 2570047.57597 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | 0.08423776199489467 | 403109 | 1569869 | 0.045073722514536965 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | -0.16679674843181033 | 1450546.583459999 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 437066 | 0.08423776199489467 | 403109 | 1569869 | 0.045073722514536965 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | -0.16679674843181033 | 1450546.583459999 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 5387250.2028136 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06309881944505012 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 | 0.1644471289336575 | 4294146.689309999 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 228304.83925360022 | 0 | 0 | 0 | 0 | 0 | 0 | -0.24032200620993116 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002 Dépôts | 4620513.00201 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05560413419233551 | 4892559.53917 | 0.043037608469738725 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 | 0.1726374357804065 | 3500425.74977 Avoir des Actionnaires | -558876.37606 | 0 | 0 | 0 | 0 | 0 | 0 | -0.45359774304263883 | -384478.01583000005 | 0.09541174016268797 | -350989.49713 | -0.004444980957996317 | -349436.25961000007 | -0.13924240299816604 | -306726.8727800001 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 41483.02239 | -0.22142294381060287 | 53280.56107 | 0 | 0 | 45718.26804999999 | 0 | 0 | 49260.13752000001 | 0 | 0.0774716458227691 | 51054.081300000005 | 41483.02239 | -0.22142294381060287 | 53280.56107 Autres revenus | 12121.46314 | 4.490581887445887 | 2207.68279 | 0 | 0 | 4475.1115500000005 | 0 | 0 | -7492.324410000002 | 0 | -2.674220704062673 | 940.2034100000001 | 12121.46314 | 4.490581887445887 | 2207.68279 Dot. à la prov. pr créances douteuses | 9000 | 0 | 9000 | 0 | 0 | 9000 | 0 | 0 | 9000 | 0 | 0 | 9000 | 9000 | 0 | 9000 Dépenses d'exploitation | 77785.05622999999 | 0.552415427412423 | 50105.82531999999 | 0 | 0 | 55861.850880000005 | 0 | 0 | 56221.196469999995 | 0 | 0.006432754811005465 | 76264.44580999999 | 77785.05622999999 | 0.552415427412423 | 50105.82531999999 Bénéfice (perte) net | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | 0 | 0 | -14668.471280000012 | 0 | 0 | -23453.383359999985 | 0 | -0.5988975887335933 | -33270.16109999998 | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | -0.1037405642990399 | -0.057817970658494214 | 0 | -0.05906235196543438 | 0 | -0.06601735399018786 | 0 | -0.06686489273143852 | -0.1037405642990399 | -0.057817970658494214 | -0.06686489273143852 | -0.062068107649796 | -0.06988296413271866 | -0.07142906262228461 Dépôts en % de l'actif | 0.8576755910829691 | 0.846052176154688 | 0 | 0.8531617472283051 | 0 | 0.8457768689358022 | 0 | 0.850869114226354 | 0.8576755910829691 | 0.846052176154688 | 0.850869114226354 | 0.8294888167489815 | 0.8208956876052808 | 0.8151621272007507 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.9124819160739528 | 0.8862416427797208 | 0 | 0.8990194311367232 | 0 | 0.9069847686571637 | 0 | 0.9078580468580435 | 0.9124819160739528 | 0.8862416427797208 | 0.9078580468580435 | 0.8837942060835163 | 0.8479007695801347 | 0.8186232390920686 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.9139952304133397 | 0.8058952107256309 | 0 | 0.7892794220038946 | 0 | 0.8281925303314788 | 0 | 0.864907141465704 | 0.9139952304133397 | 0.8058952107256309 | 0.864907141465704 | 0.8711693742290048 | 0.8961444012475123 | 1.031441875855655 Prêts improductifs nets en % de l'avoir des actionnaires | N/A | N/A | 0 | N/A | 0 | N/A | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A Rentabilité ROA (rendement de l'actif) | -0.023833784854414883 | -0.00245507917716481 | 0 | -0.009800519885492914 | 0 | -0.016428412688531832 | 0 | -0.023490696456342896 | -0.023833784854414883 | -0.00245507917716481 | -0.013153830039779876 | -0.008179240704489846 | -0.01696378627100233 | -0.01384151012519602 ROE (rendement avoir des action.) | -0.28138371738343704 | -0.041015861859048396 | 0 | -0.1677454515043801 | 0 | -0.263020095635474 | 0 | -0.3535228210641546 | -0.28138371738343704 | -0.041015861859048396 | -0.2039780027757108 | -0.12442656964191413 | -0.24028951709875565 | -0.35945502947495706 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7053088664254933 | 0.8337306452253245 | 0 | 0.8113283262966033 | 0 | 0.8235398253220834 | 0 | 0.8292015418935728 | 0.7053088664254933 | 0.8337306452253245 | 0.8248298888818657 | 0.8040760696012017 | 0.7160007339410267 | 0.6270836139314504 Rendement moyen des prêts | 0.011675318706338892 | 0.03299356824698987 | 0 | 0.01555734666703605 | 0 | 0.015333242992805855 | 0 | 0.032262141406872495 | 0.011675318706338892 | 0.03299356824698987 | 0.02563961706888353 | 0.0184541692292859 | 0.02910772446253817 | 0.03294439579726986 Rendement moyen des prêts productifs | 0.12994251715626262 | 0.2871366057320032 | 0 | 0.14501270214608075 | 0 | 0.1578395884462952 | 0 | 0.3484494813779513 | 0.12994251715626262 | 0.2871366057320032 | 0.24665174140256527 | 0.1382750432870205 | 0.1756920006057282 | 0.16981827014559475 Rémunération moyenne des dépôts | 0.014575628662535223 | 0.00860405572004989 | 0 | 0.008361620481169743 | 0 | 0.00870276283142016 | 0 | 0.008752145841695003 | 0.014575628662535223 | 0.00860405572004989 | 0.008833825763133048 | 0.009276072555108485 | 0.014843405159227984 | 0.022461311082748087 Dépenses d'exploitation en % du produit net bancaire | 1.451092300596136 | 0.9029989387737669 | 0 | 1.112932648193309 | 0 | 1.3460411806080306 | 0 | 1.466785171396581 | 1.451092300596136 | 0.9029989387737669 | 1.1955920043491077 | 1.0354164764976057 | 1.181564322333451 | 1.2216681302844923 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1715.34353696 | 1775.6238035200001 | 0 | 1580.893845669291 | 0 | 1325.9623209523813 | 0 | 1663.8171107200003 | 1715.34353696 | 1775.6238035200001 | 2144.556142795699 | 1638.5794736398464 | 1276.8962666165414 | 1360.743204496124 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 318555.34204 | 0 | 0 | 0 | 0 | 0 | 0 | -0.32698860945077446 | 473328.30694 | -0.33419587564406544 | 710912.24825 | 1.2839135849939394 | 311269.32863 | -0.05836252290844363 | 330561.74611 Avoirs à la BRH | 1512594.89109 | 0 | 0 | 0 | 0 | 0 | 0 | -0.010619896657497532 | 1528830.91744 | 0.016687712457103206 | 1503736.9869900001 | 0.03911636210513871 | 1447130.5060999999 | 0.18980830969902623 | 1216271.97785 Avoirs à l'étranger | 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 Autres liquidités | 14759.37133 | 0 | 0 | 0 | 0 | 0 | 0 | 1.258977002934573 | 6533.65276 | -0.8830463642081198 | 55865.324029999996 | -0.31611259046905577 | 81687.89665 | 2.172786733953176 | 25746.419 1845909.60446 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08103940355071733 | 2008692.87714 | -0.11531380896063452 | 2270514.55927 | 0.2339164706930553 | 1840087.7313799998 | 0.1701074438829438 | 1572580.1429599999 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 1570000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.17150395778364116 | 1895000 | 0.10495626822157435 | 1715000 | 0.1078811369509044 | 1548000 | 0.10413694721825963 | 1402000 Autres Placements | 200000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 100000 Portefeuille net | 228304.83925360022 | 0 | 0 | 0 | 0 | 0 | 0 | -0.24032200620993116 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002 Immobilisations | 295167.5239 | 0 | 0 | 0 | 0 | 0 | 0 | 0.004696827389486243 | 293787.65399999986 | 0.1920960696066227 | 246446.29027 | -0.2895195091152242 | 346872.70577 | 0.0050403929189252 | 345133.09933999996 Autres actifs | 1247868.2351999998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0033511224865381494 | 1252064.0552100001 | 0.12518052982278138 | 1112767.26003 | 0.15238385513581038 | 965622.04952 | 0.36676981420646665 | 706499.39696 5387250.2028136 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06309881944505012 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 | 0.1644471289336575 | 4294146.689309999 PASSIF Dépôts | 0 | 0 | 0 | 0 | 0 | 0 à vue | 1983513.97718 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10521019608124424 | 2216737.34825 | 0.054434094820035486 | 2102300.52228 | 0.1636145494406905 | 1806698.38074 | 0.09109483268757836 | 1655858.25046 Épargne | 564953.42801 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03499120192067585 | 585438.6293 | 0.00017922779124967338 | 585333.72123 | 0.12332685279925207 | 521071.6006400001 | 0.2115868586682112 | 430073.66489 À terme | 2072045.5968199999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00877253588130433 | 2090383.56162 | 0.04360055823708403 | 2003049.48586 | 0.12723367689037227 | 1776960.29397 | 0.2562517069568039 | 1414493.8344200002 4620513.00201 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05560413419233551 | 4892559.53917 | 0.043037608469738725 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 | 0.1726374357804065 | 3500425.74977 Obligations à vue Banques locales | 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 Autres | 252113.23567 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1387966169798262 | 292745.29181 | -0.1320641165982629 | 337289.07562 | 0.1757971590961116 | 286859.91713 | 1.0477607605903234 | 140084.68306 252113.23567 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1387966169798262 | 292745.29181 | -0.1320641165982629 | 337289.07562 | 0.1757971590961116 | 286859.91713 | 1.0477607605903234 | 140084.68306 Obligations à terme Banques locales | 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 Autres | 1037973.15076 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13978725256965907 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263 1037973.15076 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13978725256965907 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263 Autres passifs | 35527.19043 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07897398839199013 | 38573.493019999994 | 0.5927002436384845 | 24218.928310000003 | 0.22245290381890295 | 19811.747539999997 | -0.043876876020228606 | 20720.91663 5946126.57887 | 0 | 0 | 0 | 0 | 0 | 0 | -0.030715281041867402 | 6134551.03807 | 0.021421040911005582 | 6005898.44184 | 0.12265175964956596 | 5349743.0438399995 | 0.1627668032263457 | 4600873.56209 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 58117.833620000005 | 0 | 0 | 0 | 0 | 0 | 0 | -0.7561060633521342 | 238291.42462 | 0 | 238291.42462 | 0.5834479743300224 | 150488.951 | 0.19151331147143083 | 126300.688 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 53802.03257 | 0 | 0 | 0 | 0 | 0 | 0 | -0.7753587642130965 | 239502.03257 | 1.2957300030673378 | 104325 | -0.4015488312060806 | 174325 | 0 | 174325 BNR | -835796.24225 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1863920451398266 | -1027271.47302 | 0.19644116933904673 | -858605.92175 | 0.02306309953253562 | -839250.2106100001 | 0.08661543086286912 | -772352.56078 -558876.37606 | 0 | 0 | 0 | 0 | 0 | 0 | -0.45359774304263883 | -384478.01583000005 | 0.09541174016268797 | -350989.49713 | 0.004444980957996317 | -349436.25961000007 | 0.13924240299816604 | -306726.8727800001 5387250.202810001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06309881944571512 | 5750073.02224 | 0.016828578224769224 | 5654908.94471 | 0.13091239972405086 | 5000306.784229999 | 0.16444712908339598 | 4294146.68931 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 | 244025.824932755 | 0 | 0 | 0 | 248905.123197079 | 224784.359406334 | 202711.42267 | 228705.636893397 Portefeuille brut | 1375364.4852936 | 0 | 0 | 0 | 0 | 0 | 0 | -0.017029662649863775 | 1399192.2574197599 | 0.03780087659373862 | 1348228.0550891198 | 0.0802874296785037 | 1248027.1620770001 | 0.1566450656025408 | 1079006.16982 Provisions pour créances douteuses | 1147059.6460399998 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04404971162389228 | 1098663.8215299998 | 0.058394840249097385 | 1038047.2199499999 | 0.09463680653844488 | 948302.86516 | 0.040864762055718436 | 911072.11977 Portefeuille de crédit improductif | 1254995.22084077 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012023234278429131 | 1270267.95 | 0.06605799219611959 | 1191556.143567012 | 0.1260182859929372 | 1058203.1911819999 | 0.1980117280119877 | 883299.525738375 [bphcomp ] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 318555.34204 | 0.05913134345860307 | 0 | 0 | 0 | 0 | 0 | 0 | 473328.30694 | 0.08231692103896618 | 710912.24825 | 0.12571594966443234 | 311269.32863 | 0.06225004626750304 | 330561.74611 | 0.07697961202231682 Avoirs à la BRH | 1512594.89109 | 0.2807730909360803 | 0 | 0 | 0 | 0 | 0 | 0 | 1528830.91744 | 0.26588026126396774 | 1503736.9869900001 | 0.2659170999379107 | 1447130.5060999999 | 0.28940834407401944 | 1216271.97785 | 0.2832395038757829 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 | 14759.37133 | 0.0027396855119689112 | 0 | 0 | 0 | 0 | 0 | 0 | 6533.65276 | 0.0011362730064000163 | 55865.324029999996 | 0.009879084628280186 | 81687.89665 | 0.01633657697126349 | 25746.419 | 0.005995700860451285 1845909.60446 | 0.3426441199066523 | 0 | 0 | 0 | 0 | 0 | 0 | 2008692.87714 | 0.3493334553093339 | 2270514.55927 | 0.4015121342306232 | 1840087.7313799998 | 0.36799496731278597 | 1572580.1429599999 | 0.366214816758551 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. | 1570000 | 0.2914288256335367 | 0 | 0 | 0 | 0 | 0 | 0 | 1895000 | 0.3295610321243994 | 1715000 | 0 | 1548000 | 0 | 1402000 | 0 Autres Placements | 200000 | 0.03712469116350786 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100000 | 0.023287513733274073 Portefeuille net | 228304.83925360022 | 0.042378733242121075 | 0 | 0 | 0 | 0 | 0 | 0 | 300528.43588976003 | 0.052265151195018844 | 310180.8351391199 | 0.05485160560000407 | 299724.2969170001 | 0.05994118158926063 | 167934.05005000002 | 0.03910766496823711 Immobilisations | 295167.5239 | 0.05479001583142412 | 0 | 0 | 0 | 0 | 0 | 0 | 293787.65399999986 | 0.05109285618873134 | 246446.29027 | 0.043580947576632785 | 346872.70577 | 0.06937028482103828 | 345133.09933999996 | 0.08037291790687694 Autres actifs | 1247868.2351999998 | 0.2316336142227579 | 0 | 0 | 0 | 0 | 0 | 0 | 1252064.0552100001 | 0.21774750518251643 | 1112767.26003 | 0.19677898811635755 | 965622.04952 | 0.19311256115115907 | 706499.39696 | 0.1645261440925585 5387250.2028136 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5750073.0222397605 | 1 | 5654908.94470912 | 1 | 5000306.783586999 | 1 | 4294146.689309999 | 1 PASSIF Dépôts À vue | 1983513.97718 | 0.3681867191065434 | 0 | 0 | 0 | 0 | 0 | 0 | 2216737.34825 | 0.38551464297518423 | 2102300.52228 | 0.37176558328971276 | 1806698.38074 | 0.361317506891838 | 1655858.25046 | 0.3856082174794243 Épargne | 564953.42801 | 0.10486860768318161 | 0 | 0 | 0 | 0 | 0 | 0 | 585438.6293 | 0.1018141208008452 | 585333.72123 | 0.1035089560155789 | 521071.6006400001 | 0.10420792627171693 | 430073.66489 | 0.10015346377445386 À terme | 2072045.5968199999 | 0.38462026429324414 | 0 | 0 | 0 | 0 | 0 | 0 | 2090383.56162 | 0.3635403504503247 | 2003049.48586 | 0.3542142774436899 | 1776960.29397 | 0.3553702544417259 | 1414493.8344200002 | 0.32940044594687257 4620513.00201 | 0.8576755910829691 | 0 | 0 | 0 | 0 | 0 | 0 | 4892559.53917 | 0.850869114226354 | 4690683.72937 | 0.8294888167489815 | 4104730.27535 | 0.8208956876052808 | 3500425.74977 | 0.8151621272007507 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 | 252113.23567 | 0.04679813006240712 | 0 | 0 | 0 | 0 | 0 | 0 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 | 140084.68306 | 0.03262223980581096 252113.23567 | 0.04679813006240712 | 0 | 0 | 0 | 0 | 0 | 0 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 | 140084.68306 | 0.03262223980581096 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 | 1037973.15076 | 0.19267216328989092 | 0 | 0 | 0 | 0 | 0 | 0 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516 1037973.15076 | 0.19267216328989092 | 0 | 0 | 0 | 0 | 0 | 0 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516 Autres passifs | 35527.19043 | 0.006594679863104411 | 0 | 0 | 0 | 0 | 0 | 0 | 38573.493019999994 | 0.006708348375891564 | 24218.928310000003 | 0.00428281490414799 | 19811.747539999997 | 0.003962106406156928 | 20720.91663 | 0.004825386305871521 5946126.57887 | 1.1037405642983718 | 0 | 0 | 0 | 0 | 0 | 0 | 6134551.03807 | 1.06686489273148 | 6005898.44184 | 1.0620681076499516 | 5349743.0438399995 | 1.0698829642613108 | 4600873.56209 | 1.0714290626222849 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.030627870209893986 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0.028695287757533456 | 165000 | 0.0291781886522467 | 165000 | 0.03299797535255153 | 165000 | 0.03842439765990222 Réserves | 58117.833620000005 | 0.010788033121173171 | 0 | 0 | 0 | 0 | 0 | 0 | 238291.42462 | 0.04144146060377874 | 238291.42462 | 0.04213886146530293 | 150488.951 | 0.030095943611692936 | 126300.688 | 0.029412290063219635 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 | 53802.03257 | 0.009986919215651207 | 0 | 0 | 0 | 0 | 0 | 0 | 239502.03257 | 0.04165199844309273 | 104325 | 0.01844857291603416 | 174325 | 0.03486286092929421 | 174325 | 0.04059595831553003 BNR | -835796.24225 | -0.15514338684575826 | 0 | 0 | 0 | 0 | 0 | 0 | -1027271.47302 | -0.17865363953584343 | -858605.92175 | -0.1518337306833798 | -839250.2106100001 | -0.16783974402625731 | -772352.56078 | -0.17986170866093648 -558876.37606 | -0.1037405642990399 | 0 | 0 | 0 | 0 | 0 | 0 | -384478.01583000005 | -0.06686489273143852 | -350989.49713 | -0.062068107649796 | -349436.25961000007 | -0.06988296413271866 | -306726.8727800001 | -0.07142906262228461 5387250.202810001 | 0.9999999999993319 | 0 | 0 | 0 | 0 | 0 | 0 | 5750073.02224 | 1.0000000000000415 | 5654908.94471 | 1.0000000000001557 | 5000306.784229999 | 1.000000000128592 | 4294146.68931 | 1.0000000000000002 [bphgdes&$] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 83974.13469 | 234581.20735 | 318555.34204 | 0.26360924965890425 | 2667.43859 | 470660.86835 | 473328.30694 | 0.005635493484944119 Avoirs à la BRH | 895223.24923 | 617371.64186 | 1512594.89109 | 0.5918460088047024 | 977777.64094 | 551053.2765 | 1528830.91744 | 0.6395590446177469 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 | 2213.35169 | 12546.01964 | 14759.37133 | 0.14996246388226075 | 1392.98419 | 5140.66857 | 6533.65276 | 0.21320144200623234 981410.73561 | 864498.86885 | 1845909.60446 | 0.5316678201569359 | 981838.06372 | 1026854.81342 | 2008692.87714 | 0.4887945165205904 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 1570000 | 1570000 | 0 | 1895000 | 1895000 | 0 Autres Placements | 0 | 200000 | 200000 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 642439.1385536001 | -414134.2992999999 | 228304.83925360016 | 2.813953224355359 | 663250.69399976 | -362722.25810999994 | 300528.43588976003 | 2.206948211193745 Immobilisations | 0 | 295167.5239 | 295167.5239 | 0 | 0 | 293787.65399999986 | 293787.65399999986 | 0 Autres actifs | 1193770.4121899998 | 54097.82301 | 1247868.2351999998 | 0.9566478082509012 | 1215875.5518200002 | 36188.53 | 1252064.0552100001 | 0.9710969233247972 2817620.2863536 | 2569629.91646 | 5387250.2028136 | 0.52301641473456 | 2860964.30953976 | 2889108.7393099996 | 5750073.04884976 | 0.4975526893718446 PASSIF Dépôts À vue | 1072665.55262 | 910848.4245600001 | 1983513.97718 | 0.5407905187262806 | 1054571.8879200001 | 1162165.46033 | 2216737.34825 | 0.4757315469748955 Épargne | 239801.42554 | 325152.00247 | 564953.42801 | 0.42446228954602494 | 255529.92417 | 329908.70513 | 585438.6293 | 0.43647602221864523 À terme | 1350500.3146 | 721545.2822199999 | 2072045.5968199999 | 0.6517715231135036 | 1371653.34027 | 718730.22135 | 2090383.56162 | 0.6561730418540986 2662967.2927599996 | 1957545.70925 | 4620513.00201 | 0.5763358509329082 | 2681755.15236 | 2210804.38681 | 4892559.539170001 | 0.5481292830245142 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 | 26174.31757 | 225938.91809999998 | 252113.23566999997 | 0.10381968840485828 | 37241.87452 | 255503.41728999998 | 292745.29180999997 | 0.12721596405441435 26174.31757 | 225938.91809999998 | 252113.23566999997 | 0.10381968840485828 | 37241.87452 | 255503.41728999998 | 292745.29180999997 | 0.12721596405441435 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 | 10871.72625 | 1027101.42451 | 1037973.15076 | 0.01047399563470381 | 13210.99704 | 897461.71703 | 910672.7140700001 | 0.014506855026936185 10871.72625 | 1027101.42451 | 1037973.15076 | 0.01047399563470381 | 13210.99704 | 897461.71703 | 910672.7140700001 | 0.014506855026936185 Autres passifs | 7135.25625 | 28391.93418 | 35527.19043 | 0.2008393054344883 | 6442.05405 | 32131.43897 | 38573.49302 | 0.16700727742389973 2707148.5928299995 | 3238977.98604 | 5946126.578869999 | 0.4552793414203546 | 2738650.07797 | 3395900.9601 | 6134551.03807 | 0.4464304006885581 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 165000 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 58117.833620000005 | 58117.833620000005 | 0 | 0 | 238291.42462 | 238291.42462 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 53802.03257 | 53802.03257 | 0 | 0 | 239502.03257 | 239502.03257 | 0 BNR | 0 | -835796.24225 | -835796.24225 | 0 | 0 | -1027271.47302 | -1027271.47302 | 0 0 | -558876.37606 | -558876.37606 | 0 | 0 | -384478.01583000005 | -384478.01583000005 | 0 0 2707148.5928299995 | 2680101.6099799997 | 5387250.202809999 | 0.5025102772130291 | 2738650.07797 | 3011422.94427 | 5750073.02224 | 0.4762809215426504 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes [BPHRÉSULT ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 0 2024 | 2023 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 | 4049.22928 | 0 | 0 | 0 | 0 | 0 | 0 | 11863.31016 | -0.49205546101982744 | 6025.903609999998 | -0.036471740044975054 | 5806.128420000001 | 0.9851541933342216 | 11526.06018 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 54766.169709999995 | 0 | 0 | 0 | 0 | 0 | 0 | 52042.894290000004 | -0.03302853143450753 | 50323.993919999986 | 0.07322555868395644 | 54008.99649000001 | -0.07341156543677171 | 50044.11151 58815.398989999994 | 0 | 0 | 0 | 0 | 0 | 0 | 63906.204450000005 | -0.11824058375915669 | 56349.89752999999 | 0.06149483019299514 | 59815.12491000001 | 0.029341187243873454 | 61570.17169 Dépenses d'intérêt | 17332.3766 | 0 | 0 | 0 | 0 | 0 | 0 | 10625.64338 | 0.000563363533474644 | 10631.629479999998 | -0.0072088751911619075 | 10554.98739 | -0.0036851773064980275 | 10516.09039 41483.02239 | 0 | 0 | 0 | 0 | 0 | 0 | 53280.56107 | -0.1419334344108102 | 45718.26804999999 | 0.0774716458227691 | 49260.13752000001 | 0.03641775825882822 | 51054.081300000005 AUTRES REVENUS Commissions | 8795.73857 | 0 | 0 | 0 | 0 | 0 | 0 | 2991.9057199999997 | -0.11444707221589831 | 2649.4908700000005 | 0.16159149097199882 | 3077.626049999999 | 0.004594872726659285 | 3091.76735 Gains sur change | 238.34571999999986 | 0 | 0 | 0 | 0 | 0 | 0 | -1346.74247 | 0.29361014359337756 | -951.32522 | -10.543285702023121 | -10981.418810000001 | 0.3561254586191309 | -7070.656 Autres | 3087.37885 | 0 | 0 | 0 | 0 | 0 | 0 | 562.51954 | 3.9366212238600626 | 2776.9458999999997 | -0.8518270197485661 | 411.4683500000001 | 10.95497068000491 | 4919.09206 12121.46314 | 0 | 0 | 0 | 0 | 0 | 0 | 2207.68279 | 1.0270627511663488 | 4475.1115500000005 | -2.674220704062673 | -7492.324410000002 | 1.1254888814938542 | 940.2034100000001 PRODUIT NET BANCAIRE | 53604.48553 | 0 | 0 | 0 | 0 | 0 | 0 | 55488.24386 | -0.09542317239953121 | 50193.37959999999 | -0.1678621076553288 | 41767.81311000001 | 0.24484096337693068 | 51994.28471000001 Dotation à la provision pour créances douteuses | 9000 | 0 | 0 | 0 | 0 | 0 | 0 | 9000 | 0 | 9000 | 0 | 9000 | 0 | 9000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 44604.48553 | 0 | 0 | 0 | 0 | 0 | 0 | 46488.24386 | -0.11389684402675153 | 41193.37959999999 | -0.20453690791614448 | 32767.81311000001 | 0.31208892597349147 | 42994.28471000001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 34882.44141 | 0 | 0 | 0 | 0 | 0 | 0 | 26226.037769999995 | 0.11603980809793563 | 29269.302160000007 | 0.013910046019354309 | 29676.439499999993 | 0.6229818860176946 | 48164.323749999996 Frais de locaux | 4933.73153 | 0 | 0 | 0 | 0 | 0 | 0 | 4753.4806100000005 | 0.055457687035773806 | 5017.09765 | -0.011378630431879285 | 4960.00995 | -0.007602514990922423 | 4922.3014 Amortissement | 1832.6163499999998 | 0 | 0 | 0 | 0 | 0 | 0 | 1708.88481 | 0.01093682844544692 | 1727.5745900000002 | 0.05812867970001768 | 1827.9962199999995 | -0.00447579153090335 | 1819.8144900000002 Autres dépenses d'exploitation | 36136.26694 | 0 | 0 | 0 | 0 | 0 | 0 | 17417.42213 | 0.13954156544289945 | 19847.87648 | -0.0045912055172159846 | 19756.7508 | 0.08104851785648877 | 21358.00617 77785.05622999999 | 0 | 0 | 0 | 0 | 0 | 0 | 50105.82531999999 | 0.11487737250587648 | 55861.850880000005 | 0.006432754811005465 | 56221.196469999995 | 0.35650698666107555 | 76264.44580999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -33180.57069999999 | 0 | 0 | 0 | 0 | 0 | 0 | -3617.5814599999867 | -3.054772903441424 | -14668.471280000012 | -0.5988975887335933 | -23453.383359999985 | -0.4185655258909307 | -33270.16109999998 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | -33180.57069999999 | 0 | 0 | 0 | 0 | 0 | 0 | -3617.5814599999867 | -3.054772903441424 | -14668.471280000012 | -0.5988975887335933 | -23453.383359999985 | -0.4185655258909307 | -33270.16109999998 0 | 0 | 0 0 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 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 | 4049.22928 | -0.6586762694907069 | 11863.31016 | 0 | 0 | 6025.903609999998 | 0 | 0 | 5806.128420000001 | 0 | 0 | 11526.06018 | 4049.22928 | -0.6586762694907069 | 11863.31016 | 35221.402369999996 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 54766.169709999995 | 0.052327516698533534 | 52042.894290000004 | 0 | 0 | 50323.993919999986 | 0 | 0 | 54008.99649000001 | 0 | 0 | 50044.11151 | 54766.169709999995 | 0.052327516698533534 | 52042.894290000004 | 206419.99621 58815.398989999994 | -0.07966058231455507 | 63906.204450000005 | 0 | 0 | 56349.89752999999 | 0 | 0 | 59815.12491000001 | 0 | 0 | 61570.17169 | 58815.398989999994 | -0.07966058231455507 | 63906.204450000005 | 241641.39858 Dépenses d'intérêt | 17332.3766 | 0.631183729789358 | 10625.64338 | 0 | 0 | 10631.629479999998 | 0 | 0 | 10554.98739 | 0 | 0 | 10516.09039 | 17332.3766 | 0.631183729789358 | 10625.64338 | 42328.35064 41483.02239 | -0.22142294381060287 | 53280.56107 | 0 | 0 | 45718.26804999999 | 0 | 0 | 49260.13752000001 | 0 | 0 | 51054.081300000005 | 41483.02239 | -0.22142294381060287 | 53280.56107 | 199313.04794000002 0 AUTRES REVENUS | 0 Commissions | 8795.73857 | 1.9398448324100268 | 2991.9057199999997 | 0 | 0 | 2649.4908700000005 | 0 | 0 | 3077.626049999999 | 0 | 0 | 3091.76735 | 8795.73857 | 1.9398448324100268 | 2991.9057199999997 | 11810.78999 Gains sur change | 238.34571999999986 | 1.1769794339373583 | -1346.74247 | 0 | 0 | -951.32522 | 0 | 0 | -10981.418810000001 | 0 | 0 | -7070.656 | 238.34571999999986 | 1.1769794339373583 | -1346.74247 | -20350.1425 Autres | 3087.37885 | 4.488482853413411 | 562.51954 | 0 | 0 | 2776.9458999999997 | 0 | 0 | 411.4683500000001 | 0 | 0 | 4919.09206 | 3087.37885 | 4.488482853413411 | 562.51954 | 8670.02585 12121.46314 | 4.490581887445887 | 2207.68279 | 0 | 0 | 4475.1115500000005 | 0 | 0 | -7492.324410000002 | 0 | 0 | 940.2034100000001 | 12121.46314 | 4.490581887445887 | 2207.68279 | 130.67333999999755 0 PRODUIT NET BANCAIRE | 53604.48553 | -0.03394878264219055 | 55488.24386 | 0 | 0 | 50193.37959999999 | 0 | 0 | 41767.81311000001 | 0 | 0 | 51994.28471000001 | 53604.48553 | -0.03394878264219055 | 55488.24386 | 199443.72128000003 0 Dotation à la provision pour créances douteuses | 9000 | 0 | 9000 | 0 | 0 | 9000 | 0 | 0 | 9000 | 0 | 0 | 9000 | 9000 | 0 | 9000 | 36000 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 44604.48553 | -0.040521176400488884 | 46488.24386 | 0 | 0 | 41193.37959999999 | 0 | 0 | 32767.81311000001 | 0 | 0 | 42994.28471000001 | 44604.48553 | -0.040521176400488884 | 46488.24386 | 163443.72128000003 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 34882.44141 | 0.33006906021854654 | 26226.037769999995 | 0 | 0 | 29269.302160000007 | 0 | 0 | 29676.439499999993 | 0 | 0 | 48164.323749999996 | 34882.44141 | 0.33006906021854654 | 26226.037769999995 | 133336.10317999998 Frais de locaux | 4933.73153 | 0.03791977601019382 | 4753.4806100000005 | 0 | 0 | 5017.09765 | 0 | 0 | 4960.00995 | 0 | 0 | 4922.3014 | 4933.73153 | 0.03791977601019382 | 4753.4806100000005 | 19652.88961 Amortissement | 1832.6163499999998 | 0.07240484512235776 | 1708.88481 | 0 | 0 | 1727.5745900000002 | 0 | 0 | 1827.9962199999995 | 0 | 0 | 1819.8144900000002 | 1832.6163499999998 | 0.07240484512235776 | 1708.88481 | 7084.2701099999995 Autres dépenses d'exploitation | 36136.26694 | 1.0747195922729813 | 17417.42213 | 0 | 0 | 19847.87648 | 0 | 0 | 19756.7508 | 0 | 0 | 21358.00617 | 36136.26694 | 1.0747195922729813 | 17417.42213 | 78380.05558 77785.05622999999 | 0.552415427412423 | 50105.82531999999 | 0 | 0 | 55861.850880000005 | 0 | 0 | 56221.196469999995 | 0 | 0 | 76264.44580999999 | 77785.05622999999 | 0.552415427412423 | 50105.82531999999 | 238453.31848000002 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | 0 | 0 | -14668.471280000012 | 0 | 0 | -23453.383359999985 | 0 | 0 | -33270.16109999998 | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | -75009.59719999999 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 BÉNÉFICE NET (PERTE NETTE) | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | 0 | 0 | -14668.471280000012 | 0 | 0 | -23453.383359999985 | 0 | 0 | -33270.16109999998 | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | -75009.59719999999 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 4049.22928 | -0.6586762694907069 | 11863.31016 | 35221.402369999996 | 0.47026208662006247 | 23955.86657 | -0.16354936434819972 | 33867.32252 | -0.16354936434819972 | 40489.32606 Intérêts sur bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | -0.9125814590264003 | 7965.36002 | -0.9125814590264003 | 91117.51272999999 Autres | 54766.169709999995 | 0.052327516698533534 | 52042.894290000004 | 206419.99621 | 0.1202965289371695 | 184254.78512 | 0.6315415278300113 | 156911.51449 | 0.6315415278300113 | 96173.7791 58815.398989999994 | -0.07966058231455507 | 63906.204450000005 | 241641.39858 | 0.16056213559993227 | 208210.65168999997 | -0.1274753801661135 | 198744.19703 | -0.1274753801661135 | 227780.61789 Dépenses d'intérêt | 17332.3766 | 0.631183729789358 | 10625.64338 | 42328.35064 | 0.037626173784569644 | 40793.44923 | -0.3355176631856061 | 56443.20608999999 | -0.3355176631856061 | 84943.12484 41483.02239 | -0.22142294381060287 | 53280.56107 | 199313.04794000002 | 0.19051713331323128 | 167417.20245999997 | -0.0037560314070492025 | 142300.99094000002 | -0.0037560314070492025 | 142837.49305 AUTRES REVENUS Commissions | 8795.73857 | 1.9398448324100268 | 2991.9057199999997 | 11810.78999 | -0.09558722922079006 | 13059.07034 | -0.11486573995249984 | 13658.338370000001 | -0.11486573995249984 | 15430.80975 Gains sur change | 238.34571999999986 | 1.1769794339373583 | -1346.74247 | -20350.1425 | -7.276953291599074 | 3242.0414100000003 | -0.4231387245883686 | 7452.93864 | -0.4231387245883686 | 12919.810980000002 Autres | 3087.37885 | 4.488482853413411 | 562.51954 | 8670.02585 | -0.7121152397200784 | 30116.3071 | 0.4754577299996069 | 6414.935509999999 | 0.4754577299996069 | 4347.7596 12121.46314 | 4.490581887445887 | 2207.68279 | 130.67333999999755 | -0.997184821059907 | 46417.41885 | -0.1581781041691126 | 27526.21252 | -0.1581781041691126 | 32698.380330000004 PRODUIT NET BANCAIRE | 53604.48553 | -0.03394878264219055 | 55488.24386 | 199443.72128000003 | -0.0672992050671588 | 213834.62130999996 | -0.03252138614220387 | 169827.20346000002 | -0.03252138614220387 | 175535.87338 Dotation à la provision pour créances douteuses | 9000 | 0 | 9000 | 36000 | -6.994677377318269e-05 | 36002.51826 | 1 | 48000 | 1 | 24000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 44604.48553 | -0.040521176400488884 | 46488.24386 | 163443.72128000003 | -0.08090992302978307 | 177832.10304999998 | -0.19605040877351088 | 121827.20346000002 | -0.19605040877351088 | 151535.87338 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 34882.44141 | 0.33006906021854654 | 26226.037769999995 | 133336.10317999998 | 0.21620937735245788 | 109632.52352999999 | -0.10569050163401131 | 111554.21149 | -0.10569050163401131 | 124737.81357999999 Frais de locaux | 4933.73153 | 0.03791977601019382 | 4753.4806100000005 | 19652.88961 | 0.07056308711482559 | 18357.52591 | 0.08151297241785313 | 25622.10871 | 0.08151297241785313 | 23690.986019999997 Amortissement | 1832.6163499999998 | 0.07240484512235776 | 1708.88481 | 7084.2701099999995 | -0.3035155534787137 | 10171.469219999999 | 0.10400466481371046 | 15754.31421 | 0.10400466481371046 | 14270.15185 Autres dépenses d'exploitation | 36136.26694 | 1.0747195922729813 | 17417.42213 | 78380.05558 | -0.05845679304574324 | 83246.37148999999 | -0.07761709201868132 | 47731.13016 | -0.07761709201868132 | 51747.63078000001 77785.05622999999 | 0.552415427412423 | 50105.82531999999 | 238453.31848000002 | 0.076986544239467 | 221407.89015 | -0.06428089231664853 | 200661.76457000003 | -0.06428089231664853 | 214446.58222999997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 | -0.2531183092844781 | -78834.56111000001 | -0.2531183092844781 | -62910.708849999966 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 | -0.2531183092844781 | -78834.56111000001 | -0.2531183092844781 | -62910.708849999966 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 47065982.14547537 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0346841202960392 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 | 0.3349903103594114 | 28863231.162558727 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 12391495.619240273 | 0 | 0 | 0 | 0 | 0 | 0 | 0.040702736189193615 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105 Dépôts | 38142174.74447539 | 0 | 0 | 0 | 0 | 0 | 0 | 0.002984005020812542 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416 Avoir des Actionnaires | 3350940.03368 | 0 | 0 | 0 | 0 | 0 | 0 | 0.271449622434416 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 | 0.10535128666968242 | 2927933.88397 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 313755.06545864 | 0.06174035850826442 | 295510.16210729996 | 0 | -1 | 351884.8770971891 | 0 | -1 | 457782.4592333641 | 0 | -1 | 841080.445653143 | 313755.06545864 | 0.06174035850826442 | 295510.16210729996 Autres revenus | 310263.0471698372 | 0.16696568839213688 | 265871.61067033804 | 0 | -1 | 528747.9188167099 | 0 | -1 | 363411.1711347492 | 0 | 1 | -798631.4899060412 | 310263.0471698372 | 0.16696568839213688 | 265871.61067033804 Dot. à la prov. pr créances douteuses | 4685.614875285388 | -0.9563304192610478 | 107296.99703999999 | 0 | -1 | 48889.89295412495 | 0 | -1 | 207864.7237352416 | 0 | 1 | -995779.9307117421 | 4685.614875285388 | -0.9563304192610478 | 107296.99703999999 Dépenses d'exploitation | 570312.8641136549 | 0.07785351761984717 | 529119.0823156 | 0 | -1 | 615096.2732385064 | 0 | -1 | 575380.5113675639 | 0 | -1 | 754030.9369566292 | 570312.8641136549 | 0.07785351761984717 | 529119.0823156 Bénéfice (perte) net | 31921.67274816414 | 1.6077538624662668 | -52524.01460457347 | 0 | -1 | 151652.64080488743 | 0 | -1 | 42024.33805109226 | 0 | -1 | 240201.2908496047 | 31921.67274816414 | 1.6077538624662668 | -52524.01460457347 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07119664523992385 | 0.06399436943450135 | 0 | 0.06166985561527321 | 0 | 0.0649752606537627 | 0 | 0.05793862135650572 | 0.07119664523992385 | 0.06399436943450135 | 0.05793862135650572 | 0.07492218026626138 | 0.08399211660595632 | 0.10144165313577588 Dépôts en % de l'actif | 0.8103979351069833 | 0.852436025563958 | 0 | 0.8327842315385054 | 0 | 0.8057849725186648 | 0 | 0.8360112129190895 | 0.8103979351069833 | 0.852436025563958 | 0.8360112129190895 | 0.8319063502496844 | 0.8181649316827374 | 0.7583432115006496 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.011201807020278919 | 0.23586523452058458 | 0 | 0.228963731225407 | 0 | 0.1403402627899836 | 0 | 0.019764130395404627 | 0.011201807020278919 | 0.23586523452058458 | 0.019764130395404627 | 0.11408158078922474 | 0.0562751812861468 | 0.011131736542746701 Provisions pour créances douteuses en % des prêts improductifs bruts | 2.401190245420913 | 0.2749530279249567 | 0 | 0.3108363460407084 | 0 | 0.32051053641239813 | 0 | 0.9896655644517804 | 2.401190245420913 | 0.2749530279249567 | 0.9896655644517804 | 0.3971745454698088 | 0.8647964786194402 | 3.0256460890261523 Prêts improductifs nets en % de l'avoir des actionnaires | -0.05964633328832567 | 0.9692580827003553 | 0 | 0.9119421798402496 | 0 | 0.43045967611267444 | 0 | 0.0009411805187272899 | -0.05964633328832567 | 0.9692580827003553 | 0.0009411805187272899 | 0.32433516656661493 | 0.03182783967513231 | -0.09815945941558532 Rentabilité ROA (rendement de l'actif) | 0.0027591752803112833 | -0.004420582788063823 | 0 | 0.011978860754924808 | 0 | 0.003317156557295941 | 0 | 0.020184921947753606 | 0.0027591752803112833 | -0.004420582788063823 | 0.008390643149983825 | 0.005808606807929885 | 0.010956370573103082 | 0.017798307209976546 ROE (rendement avoir des action.) | 0.042658444958025454 | -0.06386731162757432 | 0 | 0.19071824004332602 | 0 | 0.05241106671241607 | 0 | 0.3276079605706721 | 0.042658444958025454 | -0.06386731162757432 | 0.1263208926100493 | 0.07344718595589103 | 0.11978733622570949 | 0.17784013761266987 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7227154254584183 | 0.7181999081704018 | 0 | 0.7260956274955812 | 0 | 0.7924363193225584 | 0 | 0.878939509335663 | 0.7227154254584183 | 0.7181999081704018 | 0.800697918210508 | 0.7407085462128182 | 0.7567250680954185 | 0.7438871561707947 Rendement moyen des prêts | 0.11832803392134418 | 0.0832994985485418 | 0 | 0.0901905240775977 | 0 | 0.12225722009176727 | 0 | 0.17057586758956655 | 0.11832803392134418 | 0.0832994985485418 | 0.13046658261541064 | 0.11366742252460704 | 0.12312780632975993 | 0.1408633310661932 Rendement moyen des prêts productifs | 0.12017652993045243 | 0.1013964575528055 | 0 | 0.11749320065310036 | 0 | 0.15089549972915914 | 0 | 0.18653344059307927 | 0.12017652993045243 | 0.1013964575528055 | 0.14080894038739883 | 0.12458455227695817 | 0.12751218829470384 | 0.14309615667796707 Rémunération moyenne des dépôts | 0.012643001618488695 | 0.011581209662404434 | 0 | 0.012446419817858323 | 0 | 0.011548895488264774 | 0 | 0.011868568888347501 | 0.012643001618488695 | 0.011581209662404434 | 0.0127809960700656 | 0.014257861429705245 | 0.01675649045222914 | 0.023804172036362935 Dépenses d'exploitation en % du produit net bancaire | 0.9139363947488544 | 0.9425298575292057 | 0 | 0.6984707770282104 | 0 | 0.7006636316816538 | 0 | 17.76323878139477 | 0.9139363947488544 | 0.9425298575292057 | 1.0728510952816075 | 0.7934167257992941 | 0.7158666312225299 | 0.6222613343159268 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5396.913406516559 | 4649.124412237167 | 0 | 7346.258985725956 | 0 | 6922.601731238046 | 0 | 364.76009234888767 | 5396.913406516559 | 4649.124412237167 | 6478.839915157717 | 5258.012596367964 | 4810.9360983483275 | 5877.378218485537 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 2543832.40957058 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5295044796740919 | 5406709.096419216 | 2.177408285459028 | 1701609.806068133 | 0.5476469605845711 | 1099481.89051165 | -0.2861222195229068 | 1540154.2400953462 Avoirs à la BRH | 16195878.934646295 | 0 | 0 | 0 | 0 | 0 | 0 | 0.29455760755126204 | 12510744.087535687 | -0.26996931705283905 | 17137285.29468015 | -0.15398196586635493 | 20256406.605125606 | 0.9717782488178013 | 10273166.67950391 Avoirs à l'étranger | 2246902.4604731603 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24924176481463584 | 1798612.9856990161 | 0.08994115971070649 | 1650192.737171616 | 0.8350697095545467 | 899253.4335778401 | 0.9024526015579162 | 472681.1237459701 Avoirs dans les banques locales | 378040.75650654006 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01431111211955673 | 383529.49003965396 | -0.17545186306931493 | 465138.992936558 | 4.6937956031491765 | 81692.253350172 | 0.03381154632111516 | 79020.44975303201 Autres liquidités | 159117.2482566 | 0 | 0 | 0 | 0 | 0 | 0 | -0.8300660736989638 | 936347.7424438801 | 8.008967365429863 | 103935.079844659 | 13.880181449248346 | 6984.7992243339995 | -0.9892304438857948 | 648568.905743564 21523771.80945318 | 0 | 0 | 0 | 0 | 0 | 0 | 0.023190231975341754 | 21035943.40213745 | -0.0010551019912318673 | 21058161.910701115 | -0.05753971924568089 | 22343818.981789604 | 0.7169602377233196 | 13013591.398841823 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 | 0 | 0 Autres Placements | 6509975.520152625 | 0 | 0 | 0 | 0 | 0 | 0 | -0.047350920135420686 | 6833550.420347888 | -0.009723376871802171 | 6900648.021722754 | 3.826728540216274 | 1429673.942552724 | -0.31945176651819684 | 2100767.987065756 Portefeuille net | 12391495.619240273 | 0 | 0 | 0 | 0 | 0 | 0 | 0.040702736189193615 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105 Immobilisations | 5218442.34454 | 0 | 0 | 0 | 0 | 0 | 0 | 0.25326234110923607 | 4163886.6607300006 | 2.607793388689217 | 1154136.67362 | 0.11043586633713243 | 1039354.6431699999 | 0.017672521729910826 | 1021305.5977999999 Autres actifs | 1422296.8520893 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0812197510508007 | 1548027.2390661077 | 0.579922227969989 | 979812.3044671239 | 0.1666408212105296 | 839857.723691214 | 1.0431598222636596 | 411058.26110104204 47065982.14547537 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0346841202960392 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 | 0.3349903103594114 | 28863231.162558727 PASSIF Dépôts À vue | 17530960.645982917 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020208646483609545 | 17183701.301108867 | 0.03880315702567971 | 16541826.220772717 | 0.27044844707170224 | 13020462.387828887 | 0.3997158661078782 | 9302218.188062876 Épargne | 8784279.36570895 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03314117440522824 | 8502496.641628861 | 0.048860883884537326 | 8106410.270673083 | 0.20925402459958112 | 6703645.475447021 | 0.5715754988189116 | 4265557.385238585 À terme | 11826934.73278352 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04177146356451117 | 12342498.979187675 | -0.0599759757891088 | 13129982.491190754 | 0.11256585460377676 | 11801532.859254247 | 0.4183750760247676 | 8320459.840798957 38142174.74447539 | 0 | 0 | 0 | 0 | 0 | 0 | 0.002984005020812542 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416 Obligations à vue Banques locales | 600000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 700000 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2674047.9855176555 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0024905490318085665 | 2667404.6833660565 | 1.0544391939867879 | 1298361.4658313468 | 0.00041964770356142135 | 1297816.839974808 | 0.13693577756413608 | 1141504.089839935 3274047.9855176555 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2274282961016858 | 2667404.6833660565 | 0.3347958960249357 | 1998361.4658313468 | 0.539786974770752 | 1297816.839974808 | -0.15808407611194256 | 1541504.089839935 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 1414978.35488 | -0.23264281057490757 | 1843963.11702 | -0.0949395973346621 | 2037392.32386 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 763140.5051076051 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12123213092410448 | 680626.682075758 | 0.17904079002557635 | 577271.5310901105 | 0.41270921596130095 | 408627.28477162 | 0.7748804538862697 | 230228.060643122 763140.5051076051 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12123213092410448 | 680626.682075758 | -0.6583627953155424 | 1992249.8859701105 | -0.11557383695431052 | 2252590.40179162 | -0.006628085906360925 | 2267620.384503122 Autres passifs | 1535678.8766907654 | 0 | 0 | 0 | 0 | 0 | 0 | 0.040428396269598335 | 1476006.308744419 | 5.138351836319308 | 240456.452823575 | 0.0945237822282083 | 219690.4779300993 | -0.07668787240718367 | 237937.39014655672 43715042.11179142 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020122578496029705 | 42852734.59611163 | 0.02007765123748322 | 42009286.78726158 | 0.1902084682552788 | 35295738.442226686 | 0.36091512902625705 | 25935297.27859003 AVOIR DES ACTIONNAIRES Capital versé | 728155.76157 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 728155.76157 | -3.433213471075307e-05 | 728180.76157 | -0.009866245990355437 | 735436.76157 | 0.011517575156672042 | 727062.76157 Réserves | 1613369.4674000002 | 0 | 0 | 0 | 0 | 0 | 0 | 3.181392702769247 | 385845 | 0.0021141643652174734 | 385030.98121999996 | 0.3069400465649817 | 294604.93022 | 0.3220504094004487 | 222839.40772999998 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1198554.27904 | 0 | 0 | 0 | 0 | 0 | 0 | 2.328138739979809e-07 | 1198554 | -9.569286293484027e-05 | 1198668.70404 | -0.058839844691228174 | 1273607.57601 | 0.09562173076627604 | 1162451.9122300001 BNR | -189139.47433000006 | 0 | 0 | 0 | 0 | 0 | 0 | -1.5856211412894012 | 322972.41509 | -0.703819342823062 | 1090457.486888 | 0.16908272120811682 | 932746.2181299999 | 0.14366027130572492 | 815579.80244 3350940.03368 | 0 | 0 | 0 | 0 | 0 | 0 | 0.271449622434416 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 | 0.10535128666968242 | 2927933.88397 47065982.14547142 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03468412094049666 | 45488261.772771634 | 0.0016876086742750383 | 45411624.720979586 | 0.17853905536739112 | 38532133.92815669 | 0.33499031037587657 | 28863231.16256003 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 | 3671657.5430650506 | 0 | 0 | 0 | 3361981.889064204 | 2620854.426157199 | 3234982.958983928 | 1429968.6171458 Portefeuille brut | 12734010.837312054 | 0 | 0 | 0 | 0 | 0 | 0 | 0.048550275340437044 | 12144397.018233247 | -0.24314692173690344 | 16045910.847193018 | 0.1852242592771332 | 13538290.93658562 | 0.062177037052262754 | 12745795.158740086 Provisions pour créances douteuses | 342515.2180717805 | 0 | 0 | 0 | 0 | 0 | 0 | 0.44190864576863065 | 237542.9394066763 | -0.6732761682812831 | 727045.034202408 | 0.10348556000491962 | 658862.300109452 | 0.5347819296703217 | 429287.24098998134 Portefeuille de crédit improductif | 142643.93199371 | 0 | 0 | 0 | 0 | 0 | 0 | -0.4057083413012245 | 240023.44624192503 | -0.868878544411193 | 1830542.874650748 | 1.4026978500619842 | 761869.776760954 | 4.369710744461202 | 141882.83373491102 [buhcomp] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 2543832.40957058 | 0.05404821685666508 | 0 | 0 | 0 | 0 | 0 | 0 | 5406709.096419216 | 0.11885943499136997 | 1701609.806068133 | 0.03747079776221944 | 1099481.89051165 | 0.028534155221593704 | 1540154.2400953462 | 0.05336042355830308 Avoirs à la BRH | 16195878.934646295 | 0.3441100811322019 | 0 | 0 | 0 | 0 | 0 | 0 | 12510744.087535687 | 0.27503236202423864 | 17137285.29468015 | 0.3773766166488025 | 20256406.605125606 | 0.5257016557438657 | 10273166.67950391 | 0.35592573200294436 Avoirs à l'étranger | 2246902.4604731603 | 0.047739415136993237 | 0 | 0 | 0 | 0 | 0 | 0 | 1798612.9856990161 | 0.03954015639382389 | 1650192.737171616 | 0.03633855311760298 | 899253.4335778401 | 0.02333775324423073 | 472681.1237459701 | 0.01637658379561919 Avoirs dans les banques locales | 378040.75650654006 | 0.00803214422123522 | 0 | 0 | 0 | 0 | 0 | 0 | 383529.49003965396 | 0.008431394712697328 | 465138.992936558 | 0.010242729604339335 | 81692.253350172 | 0.002120107168305258 | 79020.44975303201 | 0.0027377548032646126 Autres liquidités | 159117.2482566 | 0.0033807272472247034 | 0 | 0 | 0 | 0 | 0 | 0 | 936347.7424438801 | 0.020584381670549396 | 103935.079844659 | 0.002288732906551791 | 6984.7992243339995 | 0.00018127205821104138 | 648568.905743564 | 0.022470419271175886 21523771.80945318 | 0.45731058459432017 | 0 | 0 | 0 | 0 | 0 | 0 | 21035943.40213745 | 0.4624477297926792 | 21058161.910701115 | 0.46371743003951604 | 22343818.981789604 | 0.5798749434362065 | 13013591.398841823 | 0.45087091343130714 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 | 6509975.520152625 | 0.1383159391007939 | 0 | 0 | 0 | 0 | 0 | 0 | 6833550.420347888 | 0.15022667716402904 | 6900648.021722754 | 0.15195774350155553 | 1429673.942552724 | 0.0371034198426709 | 2100767.987065756 | 0.07278353470663619 Portefeuille net | 12391495.619240273 | 0.26327923171643647 | 0 | 0 | 0 | 0 | 0 | 0 | 11906854.07882657 | 0.26175662923520504 | 15318865.81299061 | 0.33733357716802254 | 12879428.636476168 | 0.33425163165500626 | 12316507.917750105 | 0.4267196506303505 Immobilisations | 5218442.34454 | 0.11087503344582109 | 0 | 0 | 0 | 0 | 0 | 0 | 4163886.6607300006 | 0.09153760763460465 | 1154136.67362 | 0.02541500509279745 | 1039354.6431699999 | 0.026973710958254907 | 1021305.5977999999 | 0.035384312728120114 Autres actifs | 1422296.8520893 | 0.03021921114262843 | 0 | 0 | 0 | 0 | 0 | 0 | 1548027.2390661077 | 0.03403135617348211 | 979812.3044671239 | 0.02157624419810832 | 839857.723691214 | 0.02179629410786146 | 411058.26110104204 | 0.014241588503586018 47065982.14547537 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 45488261.80110802 | 1 | 45411624.72350161 | 1 | 38532133.92767971 | 1 | 28863231.162558727 | 1 PASSIF Dépôts À vue | 17530960.645982917 | 0.3724762524193545 | 0 | 0 | 0 | 0 | 0 | 0 | 17183701.301108867 | 0.3777612206032964 | 16541826.220772717 | 0.3642641354827352 | 13020462.387828887 | 0.33791179103308333 | 9302218.188062876 | 0.32228609942083264 Épargne | 8784279.36570895 | 0.186637545107585 | 0 | 0 | 0 | 0 | 0 | 0 | 8502496.641628861 | 0.18691627916681033 | 8106410.270673083 | 0.17850958471604345 | 6703645.475447021 | 0.1739754535274111 | 4265557.385238585 | 0.14778516518870727 À terme | 11826934.73278352 | 0.25128413758004386 | 0 | 0 | 0 | 0 | 0 | 0 | 12342498.979187675 | 0.2713337131489828 | 13129982.491190754 | 0.2891326300509057 | 11801532.859254247 | 0.3062776871222429 | 8320459.840798957 | 0.2882719468911099 38142174.74447539 | 0.8103979351069833 | 0 | 0 | 0 | 0 | 0 | 0 | 38028696.9219254 | 0.8360112129190895 | 37778218.982636556 | 0.8319063502496844 | 31525640.722530156 | 0.8181649316827374 | 21888235.414100416 | 0.7583432115006496 Obligations à vue Banques locales | 600000 | 0.012748060757458988 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 700000 | 0.015414555287596507 | 0 | 0 | 400000 | 0.013858462268038739 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2674047.9855176555 | 0.05681487697956648 | 0 | 0 | 0 | 0 | 0 | 0 | 2667404.6833660565 | 0.05863940668977338 | 1298361.4658313468 | 0.028590949426203056 | 1297816.839974808 | 0.03368141620214073 | 1141504.089839935 | 0.039548728394646605 3274047.9855176555 | 0.06956293773702546 | 0 | 0 | 0 | 0 | 0 | 0 | 2667404.6833660565 | 0.05863940668977338 | 1998361.4658313468 | 0.04400550471379956 | 1297816.839974808 | 0.03368141620214073 | 1541504.089839935 | 0.053407190662685344 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1414978.35488 | 0.03115894583150016 | 1843963.11702 | 0.04785520367184704 | 2037392.32386 | 0.07058781161351392 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 763140.5051076051 | 0.01621426920931615 | 0 | 0 | 0 | 0 | 0 | 0 | 680626.682075758 | 0.014962688287622788 | 577271.5310901105 | 0.012711977045634279 | 408627.28477162 | 0.010604844401780743 | 230228.060643122 | 0.007976517228666102 763140.5051076051 | 0.01621426920931615 | 0 | 0 | 0 | 0 | 0 | 0 | 680626.682075758 | 0.014962688287622788 | 1992249.8859701105 | 0.04387092287713444 | 2252590.40179162 | 0.058460048073627785 | 2267620.384503122 | 0.07856432884218002 Autres passifs | 1535678.8766907654 | 0.032628212706667076 | 0 | 0 | 0 | 0 | 0 | 0 | 1476006.308744419 | 0.03244807012407025 | 240456.452823575 | 0.005295041837583341 | 219690.4779300993 | 0.005701487447916394 | 237937.39014655672 | 0.008243615858754171 43715042.11179142 | 0.9288033547599921 | 0 | 0 | 0 | 0 | 0 | 0 | 42852734.59611163 | 0.9420613780205559 | 42009286.78726158 | 0.9250778196782016 | 35295738.442226686 | 0.9160078834064224 | 25935297.27859003 | 0.8985583468642693 AVOIR DES ACTIONNAIRES Capital versé | 728155.76157 | 0.015470956482313634 | 0 | 0 | 0 | 0 | 0 | 0 | 728155.76157 | 0.016007552998040988 | 728180.76157 | 0.016035118012264135 | 735436.76157 | 0.019086323195863703 | 727062.76157 | 0.025189929619284724 Réserves | 1613369.4674000002 | 0.03427888665774075 | 0 | 0 | 0 | 0 | 0 | 0 | 385845 | 0.008482298173692834 | 385030.98121999996 | 0.008478687639218888 | 294604.93022 | 0.007645694649897637 | 222839.40772999998 | 0.007720528809645762 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 | 1198554.27904 | 0.025465404617190622 | 0 | 0 | 0 | 0 | 0 | 0 | 1198554 | 0.026348643639990774 | 1198668.70404 | 0.026395635728480336 | 1273607.57601 | 0.03305312854980759 | 1162451.9122300001 | 0.04027448991012234 BNR | -189139.47433000006 | -0.004018602517321159 | 0 | 0 | 0 | 0 | 0 | 0 | 322972.41509 | 0.007100126544781119 | 1090457.486888 | 0.02401273888629803 | 932746.2181299999 | 0.02420697021038739 | 815579.80244 | 0.02825670479672307 3350940.03368 | 0.07119664523992385 | 0 | 0 | 0 | 0 | 0 | 0 | 2635527.1766600003 | 0.05793862135650572 | 3402337.9337179996 | 0.07492218026626138 | 3236395.48593 | 0.08399211660595632 | 2927933.88397 | 0.10144165313577588 47065982.14547142 | 0.999999999999916 | 0 | 0 | 0 | 0 | 0 | 0 | 45488261.772771634 | 0.9999999993770616 | 45411624.720979586 | 0.9999999999444631 | 38532133.92815669 | 1.0000000000123788 | 28863231.16256003 | 1.000000000000045 [buhgdes&$] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 478649.01457058 | 2065183.395 | 2543832.40957058 | 0.1881605929580007 | 515983.86618921603 | 4890725.23023 | 5406709.096419216 | 0.09543399820251927 Avoirs à la BRH | 12519151.856156295 | 3676727.0784899998 | 16195878.934646295 | 0.772983788448509 | 11930035.173825687 | 580708.91371 | 12510744.087535687 | 0.9535831834104452 Avoirs à l'étranger | 2246902.4604731603 | 0 | 2246902.4604731603 | 1 | 1798612.9856990161 | 0 | 1798612.9856990161 | 1 Avoirs dans les banques locales | 290904.25941654004 | 87136.49709 | 378040.75650654006 | 0.7695050187307183 | 296388.092949654 | 87141.39709 | 383529.49003965396 | 0.7727908821796461 Autres liquidités | 69095.10463660001 | 90022.14362 | 159117.2482566 | 0 | 514148.75129388005 | 422198.99114999996 | 936347.7424438801 | 0.5491002199161019 15604702.695253177 | 5919069.1142 | 21523771.809453174 | 0.7249985194695122 | 15055168.869957453 | 5980774.53218 | 21035943.40213745 | 0.7156878387696985 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 5649403.364712625 | 860572.1554400001 | 6509975.520152625 | 0.8678071595237237 | 5723041.319349498 | 1110509.100998391 | 6833550.420347888 | 0.8374916357254513 Portefeuille net | 6942201.879830276 | 5449293.739409999 | 12391495.619240275 | 0.5602392231855466 | 6296385.062636568 | 5610469.016190002 | 11906854.078826569 | 0.5288034119636311 Immobilisations | 0 | 5218442.34454 | 5218442.34454 | 0 | 0 | 4163886.6607300006 | 4163886.6607300006 | 0 Autres actifs | 206413.956252035 | 1215882.895837265 | 1422296.8520893 | 0.14512719756696413 | 194493.16640149654 | 1353534.09 | 1548027.2564014967 | 0.12563936816823898 28402721.89604811 | 18663260.249427263 | 47065982.14547537 | 0.6034660406800534 | 27269088.41834502 | 18219173.400098395 | 45488261.81844342 | 0.5994752784176213 PASSIF Dépôts À vue | 10944245.30137292 | 6586715.344609999 | 17530960.645982917 | 0.62428098051094 | 10069150.561277568 | 7114550.739831298 | 17183701.301108867 | 0.5859709957032252 Épargne | 5864489.129028951 | 2919790.2366799996 | 8784279.36570895 | 0.667611864886955 | 5509287.084378861 | 2993209.55725 | 8502496.641628861 | 0.6479611009082883 À terme | 9619026.48247352 | 2207908.25031 | 11826934.73278352 | 0.813315258755101 | 10147488.133987674 | 2195010.8452 | 12342498.979187675 | 0.8221583125993124 26427760.91287539 | 11714413.8316 | 38142174.744475394 | 0.6928750416021638 | 25725925.7796441 | 12302771.142281298 | 38028696.921925396 | 0.6764871757888673 Obligations à vue Banques locales | 0 | 600000 | 600000 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1235515.660047655 | 1438532.32547 | 2674047.985517655 | 0.46203944983002165 | 877065.1724860561 | 1790339.5108800004 | 2667404.6833660565 | 0.32880843988744457 1235515.660047655 | 2038532.32547 | 3274047.985517655 | 0.3773663872712939 | 877065.1724860561 | 1790339.5108800004 | 2667404.6833660565 | 0.32880843988744457 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 | 637382.3652876051 | 125758.13982000004 | 763140.5051076051 | 0.8352097169809277 | 654198.283745758 | 26428.398329999996 | 680626.682075758 | 0.9611704932733472 637382.3652876051 | 125758.13982000004 | 763140.5051076051 | 0.8352097169809277 | 654198.283745758 | 26428.398329999996 | 680626.682075758 | 0.9611704932733472 Autres passifs | 162610.7081336255 | 1373068.1685571398 | 1535678.8766907654 | 0.10588848398047601 | 146044.95129057183 | 1329961.357453847 | 1476006.308744419 | 0.0989460210470283 28463269.646344278 | 14651772.465447139 | 43715042.111791424 | 0.651109281184171 | 27403234.187166486 | 15449500.408945145 | 42852734.59611163 | 0.639474573686903 AVOIR DES ACTIONNAIRES Capital versé | 0 | 728155.76157 | 728155.76157 | 0 | 0 | 728155.76157 | 728155.76157 | 0 Réserves | 0 | 1613369.4674000002 | 1613369.4674000002 | 0 | 0 | 385845 | 385845 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1198554.27904 | 1198554.27904 | 0 | 0 | 1198554 | 1198554 | 0 BNR | 0 | -189139.47433000006 | -189139.47433000006 | 0 | 0 | 322972.41509 | 322972.41509 | 0 0 | 3350940.03368 | 3350940.03368 | 0 | 2635527.1766600003 | 2635527.1766600003 28463269.646344278 | 18602712.49912714 | 47065982.14547142 | 0.6047524846792759 | 27403234.187166486 | 18085027.585605145 | 45488261.77277163 | 0.6024242984718646 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes [buhrésult] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 | 367976.63607999997 | 0 | 0 | 0 | 0 | 0 | 0 | 354555.8539 | 0.1577201128535648 | 410476.44319 | 0.22804421930229898 | 504083.22321924806 | 0.1304304894157433 | 569831.04473 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1482.00143 | 0 | -234 Autres | 66156.98609864 | 0 | 0 | 0 | 0 | 0 | 0 | 56903.627987299995 | 0.3030739631177477 | 74149.63603718899 | -0.027309091740617242 | 72124.67682411602 | 4.370275486262329 | 387329.383903143 434133.62217864 | 0 | 0 | 0 | 0 | 0 | 0 | 411459.4818873 | 0.17782211994309952 | 484626.079227189 | 0.19203222078881865 | 577689.9014733641 | 0.6564707573952019 | 956926.428633143 Dépenses d'intérêt | 120378.55672 | 0 | 0 | 0 | 0 | 0 | 0 | 115949.31978 | 0.1448208784826036 | 132741.20212999993 | -0.09668256490122186 | 119907.44224 | -0.033871619510245365 | 115845.98298 313755.06545864 | 0 | 0 | 0 | 0 | 0 | 0 | 295510.16210729996 | 0.19077081677285745 | 351884.8770971891 | 0.30094382858893526 | 457782.4592333641 | 0.8372928640858753 | 841080.445653143 AUTRES REVENUS Commissions | 172609.9259100001 | 0 | 0 | 0 | 0 | 0 | 0 | 102073.48521 | 0.37711519608452504 | 140566.9476 | 0.2692997609773806 | 178421.59299 | 0.12858188745846352 | 201363.37817999997 Gains sur change | 75002.25032058252 | 0 | 0 | 0 | 0 | 0 | 0 | 99673.785790338 | -0.1452734364574302 | 85193.83240385383 | 0.1637353657248449 | 99143.07570999998 | -0.7590344878155685 | 23890.062018000008 Autres | 62650.87093925457 | 0 | 0 | 0 | 0 | 0 | 0 | 64124.33967 | 3.7249942903444166 | 302987.138812856 | -0.7166661833531706 | 85846.50243474921 | -12.926926561536767 | -1023884.9301040411 310263.0471698372 | 0 | 0 | 0 | 0 | 0 | 0 | 265871.61067033804 | 0.9887340264858886 | 528747.9188167099 | -0.312694843417955 | 363411.1711347492 | -3.197597524072579 | -798631.4899060412 PRODUIT NET BANCAIRE | 624018.1126284772 | 0 | 0 | 0 | 0 | 0 | 0 | 561381.7727776379 | 0.5686879029873947 | 880632.795913899 | -0.06749597087637553 | 821193.6303681133 | -0.9483082257614768 | 42448.955747101805 Dotation à la provision pour créances douteuses | 4685.614875285388 | 0 | 0 | 0 | 0 | 0 | 0 | 107296.99703999999 | -0.5443498485246614 | 48889.89295412495 | 3.2516911200907748 | 207864.7237352416 | -5.790519106936453 | -995779.9307117421 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 619332.4977531917 | 0 | 0 | 0 | 0 | 0 | 0 | 454084.77573763794 | 0.8316907929992794 | 831742.902959774 | -0.2625979681337486 | 613328.9066328717 | 0.6927767063167466 | 1038228.886458844 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 236242.04523000002 | 0 | 0 | 0 | 0 | 0 | 0 | 208326.32789999997 | 0.014401876518652297 | 211326.61795000004 | -0.02071442993061946 | 206949.10752999998 | 0.7202370326163061 | 356001.51864 Frais de locaux | 108590.53133999999 | 0 | 0 | 0 | 0 | 0 | 0 | 85349.78602999999 | 0.2974240183927033 | 110734.86236 | 0.11295033816304267 | 123242.40250999999 | -0.29155948576290036 | 87309.91101000001 Amortissement | 21942.661749999996 | 0 | 0 | 0 | 0 | 0 | 0 | 22036.653329999997 | 0.6312106772761176 | 35946.42420332831 | -0.6767178191558753 | 11620.838410000004 | 1.9474790821052297 | 34252.17813000001 Autres dépenses d'exploitation | 203537.62579365497 | 0 | 0 | 0 | 0 | 0 | 0 | 213406.3150556 | 0.20468960189016602 | 257088.3687251781 | -0.09148685303906874 | 233568.1629175638 | 0.18366872318213232 | 276467.329176629 570312.8641136549 | 0 | 0 | 0 | 0 | 0 | 0 | 529119.0823156 | 0.16249119299693707 | 615096.2732385064 | -0.06456836693520751 | 575380.5113675639 | 0.31049092219764124 | 754030.9369566292 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 49019.6336395368 | 0 | 0 | 0 | 0 | 0 | 0 | -75034.30657796207 | 3.887301017384197 | 216646.6297212676 | -0.824837361586786 | 37948.39526530786 | 6.489063701252907 | 284197.9495022148 Impôts sur le revenu | 17097.96089137266 | 0 | 0 | 0 | 0 | 0 | 0 | -22510.291973388594 | 3.8873010173841966 | 64993.98891638019 | -1.0627126116390304 | -4075.9427857843984 | 11.794228713429579 | 43996.6586526101 BÉNÉFICE NET (PERTE NETTE) | 31921.67274816414 | 0 | 0 | 0 | 0 | 0 | 0 | -52524.01460457347 | 3.887301017384197 | 151652.64080488743 | -0.72289082585011 | 42024.33805109226 | 4.715766196187869 | 240201.2908496047 0 | 0 | 0 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 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 | 367976.63607999997 | 0.037852377932491334 | 354555.8539 | 0 | 0 | 410476.44319 | 0 | 0 | 504083.22321924806 | 0 | 0 | 569831.04473 | 367976.63607999997 | 0.037852377932491334 | 354555.8539 | 1838946.565039248 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1482.00143 | 0 | 0 | -234 | 0 | 0 | 0 | 1248.00143 Autres | 66156.98609864 | 0.162614554442912 | 56903.627987299995 | 0 | 0 | 74149.63603718899 | 0 | 0 | 72124.67682411602 | 0 | 0 | 387329.383903143 | 66156.98609864 | 0.162614554442912 | 56903.627987299995 | 590507.324751748 434133.62217864 | 0.05510661751513731 | 411459.4818873 | 0 | 0 | 484626.079227189 | 0 | 0 | 577689.9014733641 | 0 | 0 | 956926.428633143 | 434133.62217864 | 0.05510661751513731 | 411459.4818873 | 2430701.891220996 Dépenses d'intérêt | 120378.55672 | 0.038199766487668374 | 115949.31978 | 0 | 0 | 132741.20212999993 | 0 | 0 | 119907.44224 | 0 | 0 | 115845.98298 | 120378.55672 | 0.038199766487668374 | 115949.31978 | 484443.94713 313755.06545864 | 0.06174035850826442 | 295510.16210729996 | 0 | 0 | 351884.8770971891 | 0 | 0 | 457782.4592333641 | 0 | 0 | 841080.445653143 | 313755.06545864 | 0.06174035850826442 | 295510.16210729996 | 1946257.9440909962 AUTRES REVENUS Commissions | 172609.9259100001 | 0.6910358802276867 | 102073.48521 | 0 | 0 | 140566.9476 | 0 | 0 | 178421.59299 | 0 | 0 | 201363.37817999997 | 172609.9259100001 | 0.6910358802276867 | 102073.48521 | 622425.4039800001 Gains sur change | 75002.25032058252 | -0.24752280927355977 | 99673.785790338 | 0 | 0 | 85193.83240385383 | 0 | 0 | 99143.07570999998 | 0 | 0 | 23890.062018000008 | 75002.25032058252 | -0.24752280927355977 | 99673.785790338 | 307900.75592219183 Autres | 62650.87093925457 | -0.022978306495291347 | 64124.33967 | 0 | 0 | 302987.138812856 | 0 | 0 | 85846.50243474921 | 0 | 0 | -1023884.9301040411 | 62650.87093925457 | -0.022978306495291347 | 64124.33967 | -570926.9491864359 310263.0471698372 | 0.16696568839213688 | 265871.61067033804 | 0 | 0 | 528747.9188167099 | 0 | 0 | 363411.1711347492 | 0 | 0 | -798631.4899060412 | 310263.0471698372 | 0.16696568839213688 | 265871.61067033804 | 359399.21071575605 PRODUIT NET BANCAIRE | 624018.1126284772 | 0.11157530024696641 | 561381.7727776379 | 0 | 0 | 880632.795913899 | 0 | 0 | 821193.6303681133 | 0 | 0 | 42448.955747101805 | 624018.1126284772 | 0.11157530024696641 | 561381.7727776379 | 2305657.154806752 Dotation à la provision pour créances douteuses | 4685.614875285388 | -0.9563304192610478 | 107296.99703999999 | 0 | 0 | 48889.89295412495 | 0 | 0 | 207864.7237352416 | 0 | 0 | -995779.9307117421 | 4685.614875285388 | -0.9563304192610478 | 107296.99703999999 | -631728.3169823756 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 619332.4977531917 | 0.36391381267323303 | 454084.77573763794 | 0 | 0 | 831742.902959774 | 0 | 0 | 613328.9066328717 | 0 | 0 | 1038228.886458844 | 619332.4977531917 | 0.36391381267323303 | 454084.77573763794 | 2937385.4717891277 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 236242.04523000002 | 0.13399994907700788 | 208326.32789999997 | 0 | 0 | 211326.61795000004 | 0 | 0 | 206949.10752999998 | 0 | 0 | 356001.51864 | 236242.04523000002 | 0.13399994907700788 | 208326.32789999997 | 982603.57202 Frais de locaux | 108590.53133999999 | 0.27229998329264704 | 85349.78602999999 | 0 | 0 | 110734.86236 | 0 | 0 | 123242.40250999999 | 0 | 0 | 87309.91101000001 | 108590.53133999999 | 0.27229998329264704 | 85349.78602999999 | 406636.96190999995 Amortissement | 21942.661749999996 | -0.004265238400426464 | 22036.653329999997 | 0 | 0 | 35946.42420332831 | 0 | 0 | 11620.838410000004 | 0 | 0 | 34252.17813000001 | 21942.661749999996 | -0.004265238400426464 | 22036.653329999997 | 103856.09407332834 Autres dépenses d'exploitation | 203537.62579365497 | -0.046243660874674096 | 213406.3150556 | 0 | 0 | 257088.3687251781 | 0 | 0 | 233568.1629175638 | 0 | 0 | 276467.329176629 | 203537.62579365497 | -0.046243660874674096 | 213406.3150556 | 980530.1758749709 570312.8641136549 | 0.07785351761984717 | 529119.0823156 | 0 | 0 | 615096.2732385064 | 0 | 0 | 575380.5113675639 | 0 | 0 | 754030.9369566292 | 570312.8641136549 | 0.07785351761984717 | 529119.0823156 | 2473626.803878299 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 49019.6336395368 | 1.6532962837286231 | -75034.30657796207 | 0 | 0 | 216646.6297212676 | 0 | 0 | 37948.39526530786 | 0 | 0 | 284197.9495022148 | 49019.6336395368 | 1.6532962837286231 | -75034.30657796207 | 463758.6679108287 Impôts sur le revenu | 17097.96089137266 | 1.7595619333407877 | -22510.291973388594 | 0 | 0 | 64993.98891638019 | 0 | 0 | -4075.9427857843984 | 0 | 0 | 43996.6586526101 | 17097.96089137266 | 1.7595619333407877 | -22510.291973388594 | 82404.4128098173 BÉNÉFICE NET (PERTE NETTE) | 31921.67274816414 | 1.6077538624662668 | -52524.01460457347 | 0 | 0 | 151652.64080488743 | 0 | 0 | 42024.33805109226 | 0 | 0 | 240201.2908496047 | 31921.67274816414 | 1.6077538624662668 | -52524.01460457347 | 381354.2551010114 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 367976.63607999997 | 0.037852377932491334 | 354555.8539 | 1838946.565039248 | 0.09371265544447775 | 1681379.982105 | 0.039074878454053726 | 1618150.9311499998 | -0.18117403792312956 | 1976184.2028625 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 1248.00143 | 0 | 234 | 0 | 0 | 0 | 23511.14286 Autres | 66156.98609864 | 0.162614554442912 | 56903.627987299995 | 590507.324751748 | 1.6383286353619217 | 223818.714938347 | 0.01096358130447881 | 221391.47154 | 3.670571433222289 | 47401.3672 434133.62217864 | 0.05510661751513731 | 411459.4818873 | 2430701.891220996 | 0.2756692456221138 | 1905432.697043347 | 0.03581885052336621 | 1839542.40269 | -0.10138959675050671 | 2047096.7129225 Dépenses d'intérêt | 120378.55672 | 0.038199766487668374 | 115949.31978 | 484443.94713 | -0.019468121244006497 | 494062.41411 | 0.10401418473200696 | 447514.55275000003 | -0.1464333401215379 | 524287.76073999994 313755.06545864 | 0.06174035850826442 | 295510.16210729996 | 1946257.9440909962 | 0.37898464182337455 | 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999 | -0.08588149029138811 | 1522808.9521825002 AUTRES REVENUS Commissions | 172609.9259100001 | 0.6910358802276867 | 102073.48521 | 622425.4039800001 | 0.38508481317249577 | 449377.10533000005 | 0.3202850954773396 | 340363.688774 | 0.049111274854980895 | 324430.4936299999 Gains sur change | 75002.25032058252 | -0.24752280927355977 | 99673.785790338 | 307900.75592219183 | -0.2634857259213652 | 418051.30838417186 | 1.8884541115166125 | 144731.85041 | -0.3908119661197053 | 237581.57147 Autres | 62650.87093925457 | -0.022978306495291347 | 64124.33967 | -570926.9491864359 | -3.4901587744964595 | 229273.31182 | 0.1000679471020839 | 208417.40950999997 | 0.005116413736305116 | 207356.487926859 310263.0471698372 | 0.16696568839213688 | 265871.61067033804 | 359399.21071575605 | -0.6722908313646511 | 1096701.7255341718 | 0.5813716637871624 | 693512.948694 | -0.0985946254684142 | 769368.553026859 PRODUIT NET BANCAIRE | 624018.1126284772 | 0.11157530024696641 | 561381.7727776379 | 2305657.154806752 | -0.08070535972547532 | 2508072.0084675187 | 0.20260030880732272 | 2085540.798634 | -0.09014864952899274 | 2292177.5052093593 Dotation à la provision pour créances douteuses | 4685.614875285388 | -0.9563304192610478 | 107296.99703999999 | -631728.3169823756 | -4.719491321520092 | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999 | -0.5093216673652304 | 132748.92716423233 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 619332.4977531917 | 0.36391381267323303 | 454084.77573763794 | 2937385.4717891277 | 0.25624352439416026 | 2338229.343873211 | 0.15730794566542727 | 2020403.7763939998 | -0.06438036574332207 | 2159428.578045127 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 236242.04523000002 | 0.13399994907700788 | 208326.32789999997 | 982603.57202 | 0.2891304210305672 | 762222.0032899999 | 0.2526227287076956 | 608500.8565 | 0.03772653703583535 | 586378.8144400001 Frais de locaux | 108590.53133999999 | 0.27229998329264704 | 85349.78602999999 | 406636.96190999995 | 0.31185426955200085 | 309971.1388284514 | 0.21736965736583627 | 254623.67733000003 | -0.07233048407209214 | 274476.71068 Amortissement | 21942.661749999996 | -0.004265238400426464 | 22036.653329999997 | 103856.09407332834 | 0.24535197758936964 | 83394.97262 | -0.3366673098319316 | 125721.18615 | 0.05704353549281257 | 118936.6208 Autres dépenses d'exploitation | 203537.62579365497 | -0.046243660874674096 | 213406.3150556 | 980530.1758749709 | 0.175190961738229 | 834358.166288707 | 0.6550675012667521 | 504123.345815266 | 0.12895125386205997 | 446541.286960528 570312.8641136549 | 0.07785351761984717 | 529119.0823156 | 2473626.803878299 | 0.2430621004510119 | 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266 | 0.04671813152424318 | 1426333.4328805283 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 49019.6336395368 | 1.6532962837286231 | -75034.30657796207 | 463758.6679108287 | 0.33155676340143475 | 348283.0628460529 | -0.33966601771300053 | 527434.7105987337 | -0.2805371661814633 | 733095.1451645987 Impôts sur le revenu | 17097.96089137266 | 1.7595619333407877 | -22510.291973388594 | 82404.4128098173 | -0.2113272067033035 | 104484.91885381544 | -0.33966601771300353 | 158230.41317962017 | -0.2805371661814629 | 219928.54354937957 BÉNÉFICE NET (PERTE NETTE) | 31921.67274816414 | 1.6077538624662668 | -52524.01460457347 | 381354.2551010114 | 0.5642213220177498 | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136 | -0.2805371661814634 | 513166.60161521914 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 50501770 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03187187256726854 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402 Bons B.R.H. | 850000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5454545454545454 | 550000 | 0 | 0 | 0 | 150000 | 0 | 0 Prêts nets | 12235675 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04147313417390235 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831 | 0.4975784283343544 | 7960739 Dépôts | 39370639 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030788284968407912 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722 | 0.5078596434812641 | 20536873 Avoir des Actionnaires | 5391153 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04389420545756645 | 5164463 | 0.10312056449761144 | 4681685 | 0.16174216472289643 | 4029883 | 0.17979171826575535 | 3415758 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 502939 | -0.0357006589858482 | 521559 | 0 | 0 | 532277 | 0 | 0 | 555085 | 0 | 0 | 540045 | 502939 | -0.0357006589858482 | 521559 Autres revenus | 616649 | -0.27565290015352684 | 851317 | 0 | 0 | 728873 | 0 | 0 | 619617 | 0 | 0 | 539843 | 616649 | -0.27565290015352684 | 851317 Dot. à la prov. pr créances douteuses | 61050 | -0.5593648502345724 | 138550 | 0 | 0 | 35185 | 0 | 0 | 27600 | 0 | 0 | 49909 | 61050 | -0.5593648502345724 | 138550 Dépenses d'exploitation | 709779 | 0.07213160812415223 | 662026 | 0 | 0 | 749841 | 0 | 0 | 797878 | 0 | 0 | 858345 | 709779 | 0.07213160812415223 | 662026 Bénéfice (perte) net | 270862 | -0.37452343730155246 | 433049 | 0 | 0 | 365236 | 0 | 0 | 272858 | 0 | 0 | 130472 | 270862 | -0.37452343730155246 | 433049 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.1067517633540369 | 0.08959685923254061 | 0 | 0.08747869856439339 | 0 | 0.09978227045116424 | 0 | 0.10552232340795924 | 0.1067517633540369 | 0.08959685923254061 | 0.10552232340795924 | 0.10227315077505414 | 0.10359921313727577 | 0.13037541849237627 Dépôts en % de l'actif | 0.7795892896427195 | 0.8077861760532389 | 0 | 0.8118237044751349 | 0 | 0.7888599593290305 | 0 | 0.7804088112639681 | 0.7795892896427195 | 0.8077861760532389 | 0.7804088112639681 | 0.8088959423226253 | 0.7960846586962368 | 0.7838680058422708 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.02045395965346086 | 0.010414763184881319 | 0 | 0.00929524304259444 | 0 | 0.014219931841530102 | 0 | 0.0074986244129951725 | 0.02045395965346086 | 0.010414763184881319 | 0.0074986244129951725 | 0.006870518254882838 | 0.004266541929389752 | 0.007614790344608182 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.7376903245199256 | 2.689859518248684 | 0 | 3.0377385489976714 | 0 | 2.3117142930236128 | 0 | 4.463129196748624 | 1.7376903245199256 | 2.689859518248684 | 4.463129196748624 | 3.231813411536236 | 4.266213712168005 | 4.6709410548086865 Prêts improductifs nets en % de l'avoir des actionnaires | -0.035507061290970594 | -0.061476815731666516 | 0 | -0.06585787978602485 | 0 | -0.050927395564949476 | 0 | -0.06640980872551512 | -0.035507061290970594 | -0.061476815731666516 | -0.06640980872551512 | -0.048604081650089656 | -0.04199030095910973 | -0.06755074569100036 Rentabilité ROA (rendement de l'actif) | 0.021790185338091402 | 0.03514215386052373 | 0 | 0.02726025494390717 | 0 | 0.020823150849097558 | 0 | 0.010501647402069332 | 0.021790185338091402 | 0.03514215386052373 | 0.025372424256520285 | 0.028301767134140763 | 0.031499650789018965 | 0.03708833677721373 ROE (rendement avoir des action.) | 0.20528370869118392 | 0.3680460030944662 | 0 | 0.30794810590954197 | 0 | 0.2229461757241938 | 0 | 0.10234650294510354 | 0.20528370869118392 | 0.3680460030944662 | 0.24407819179642637 | 0.27508870963298454 | 0.2754054352069889 | 0.33232252197036666 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7914204651850779 | 0.8255572474618768 | 0 | 0.82591431719087 | 0 | 0.8262652575171182 | 0 | 0.8120769844981407 | 0.7914204651850779 | 0.8255572474618768 | 0.8223966371902904 | 0.7993268773615595 | 0.7860901596732269 | 0.7121990318744932 Rendement moyen des prêts | 0.16563764461589256 | 0.14760224398534552 | 0 | 0.13758007705058187 | 0 | 0.1560444293607202 | 0 | 0.16937784865563657 | 0.16563764461589256 | 0.14760224398534552 | 0.16463297582703698 | 0.14536228814988364 | 0.15817093593204473 | 0.17517687234157814 Rendement moyen des prêts productifs | 0.16796327791730875 | 0.14890335385751055 | 0 | 0.1389493928754054 | 0 | 0.15786465598874846 | 0 | 0.17124896307914653 | 0.16796327791730875 | 0.14890335385751055 | 0.1658212992370864 | 0.14619540671723333 | 0.15906512222369967 | 0.1765311040190458 Rémunération moyenne des dépôts | 0.013671056561882179 | 0.011064381347732246 | 0 | 0.010340124932078214 | 0 | 0.01112314096858599 | 0 | 0.012818878047372598 | 0.013671056561882179 | 0.011064381347732246 | 0.012338974989837543 | 0.012266024250557107 | 0.013981043459199304 | 0.023385415843127966 Dépenses d'exploitation en % du produit net bancaire | 0.6339644583543232 | 0.4822183503827003 | 0 | 0.5945692423581652 | 0 | 0.6792173674685155 | 0 | 0.7948463173958781 | 0.6339644583543232 | 0.4822183503827003 | 0.6275988950655973 | 0.5830335656071177 | 0.6041727397791697 | 0.583526490831943 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6130.52977412731 | 6779.634567901235 | 0 | 6235.599505562423 | 0 | 6031.8459563543 | 0 | 5809.753866845998 | 6130.52977412731 | 6779.634567901235 | 8537.203230735648 | 5034.915632754342 | 3980.501262626263 | 4014.313700384123 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 1798875 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10367007584703831 | 2006934 | 0.6036946119842358 | 1251444 | 0.05776062520127089 | 1183107 | -0.023615958432744118 | 1211723 Avoirs à la BRH | 18141623 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013375414628413287 | 17902174 | 0.013660043287653393 | 17660925 | 0.26996385035173137 | 13906636 | 0.43938520589584795 | 9661511 Avoirs à l'étranger | 7688795 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1148959228724916 | 6896424 | 0.39151706995514773 | 4956047 | -0.16414665005769627 | 5929326 | 0.6611487659175332 | 3569413 Avoirs dans les banques locales | 89365 | 0 | 0 | 0 | 0 | 0 | 0 | 0.911796166352901 | 46744 | 0.1998254575322775 | 38959 | -0.35693181255467704 | 60583 | 4.275426680599095 | 11484 Autres liquidités | 310152 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3107718017151149 | 449999 | 1.0439820492555347 | 220158 | -0.1725125537480831 | 266056 | 0.792491982644784 | 148428 28028810 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026610786097495537 | 27302275 | 0.13158170791850124 | 24127533 | 0.13032245170785622 | 21345708 | 0.46177858278127826 | 14602559 Bons B.R.H. | 850000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5454545454545454 | 550000 | 0 | 0 | 0 | 150000 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 5572471 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09597269976308379 | 5084498 | 0.08714690162476622 | 4676919 | 0.3435743027843237 | 3480953 | 0.41816572188909884 | 2454546 Portefeuille net | 12235675 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04147313417390235 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831 | 0.4975784283343544 | 7960739 Immobilisations | 1681087 | 0 | 0 | 0 | 0 | 0 | 0 | 0.034327306735085016 | 1625295 | 0.17732684484417194 | 1380496 | 0.1980206783914801 | 1152314 | 0.3935096110241077 | 826915 Autres actifs | 2133727 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3213985579182895 | 1614749 | 0.49367056993083647 | 1081061 | 0.27487517305955134 | 847974 | 1.3910636894003265 | 354643 50501770 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03187187256726854 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402 PASSIF Dépôts À vue | 18220081 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0320941913747898 | 17653506 | 0.0008623849414016491 | 17638295 | 0.2193429014455864 | 14465410 | 0.7091304323168086 | 8463608 Épargne | 10773995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011142373679878595 | 10655270 | 0.1300746010635477 | 9428820 | 0.2742180720789557 | 7399691 | 0.5216271314979276 | 4863012 À terme | 10376563 | 0 | 0 | 0 | 0 | 0 | 0 | 0.049631121614046 | 9885914 | -0.007551647969503883 | 9961137 | 0.09443548572281794 | 9101621 | 0.2623164540828179 | 7210253 39370639 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030788284968407912 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722 | 0.5078596434812641 | 20536873 Obligations à vue Banques locales | 650000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 650000 | 0 | 300000 | 0 | 300000 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2946690 | 0 | 0 | 0 | 0 | 0 | 0 | 0.17889338794073628 | 2499539 | 0.45143811784599375 | 1722112 | 0.2799628968686057 | 1345439 | 0.5299545825667105 | 879398 3596690 | 0 | 0 | 0 | 0 | 0 | 0 | 0.14197347611825095 | 3149539 | 0.5575492356506464 | 2022112 | 0.22891945553739762 | 1645439 | 0.8710970459336955 | 879398 Obligations à terme Banques locales | 418290 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03854198750511426 | 435058 | -0.13376128449062 | 502238 | -0.11764850563242704 | 569204 | -0.08657277839114694 | 623152 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 57618 | 0 | 0 | 0 | 0 | 0 | 0 | -0.792682093112791 | 277921 | 2.4908120329083716 | 79615 | -0.6055206790108164 | 201823 | 1.4073835510228425 | 83835 475908 | 0 | 0 | 0 | 0 | 0 | 0 | -0.33250768956729443 | 712979 | 0.22535932615282553 | 581853 | -0.2453532755662253 | 771027 | 0.09058158070799038 | 706987 Autres passifs | 1667380 | 0 | 0 | 0 | 0 | 0 | 0 | -0.030722072468258588 | 1720229 | 0.176318258405453 | 1462384 | -0.015699575085026746 | 1485709 | 1.249758474589104 | 660386 45110617 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03045358731256926 | 43777437 | 0.06528439100795747 | 41094601 | 0.1785460549555095 | 34868897 | 0.5304354737986601 | 22783644 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2025000 | 0 | 2025000 | 1.5 | 810000 | 0 | 810000 Réserves | 554644 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 554644 | 0.25376143802669177 | 442384 | -0.26984399448071883 | 605876 | 0.662630897236065 | 364408 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1384 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 2810125 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08774751445265702 | 2583435 | 0.16743420562090672 | 2212917 | -0.15299030897301294 | 2612623 | 0.16636725736015637 | 2239966 5391153 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04389420545756645 | 5164463 | 0.10312056449761144 | 4681685 | 0.16174216472289643 | 4029883 | 0.17979171826575535 | 3415758 50501770 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03187187256726854 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402 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 | 255050 | 0 | 0 | 274169 | 274169 | 323187 | 240645 | 244796 Portefeuille brut | 12686590 | 0 | 0 | 0 | 0 | 0 | 13207089 | -0.039410577152921435 | 13207089 | -0.11002142012453955 | 14839783 | 0.22209999213529272 | 12142855 | 0.47108893500878507 | 8254331 Provisions pour créances douteuses | 450915 | 0 | 0 | 0 | 0 | 0 | 442006 | 0.020155834988665314 | 442006 | 0.3414201865823384 | 329506 | 0.4908154770522658 | 221024 | -0.24717294749175728 | 293592 Portefeuille de crédit improductif | 259491 | 0 | 0 | 0 | 0 | 0 | 99035 | 1.6201948805977684 | 99035 | -0.02865914061810371 | 101957 | 0.9679779184681903 | 51808 | -0.1757537188767799 | 62855 [capitalbkcomp ] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 1798875 | 0.03562003866399138 | 0 | 0 | 0 | 0 | 0 | 0 | 2006934 | 0.041006458678555596 | 1251444 | 0.027338259814262782 | 1183107 | 0.030415015586607086 | 1211723 | 0.04625002509599265 Avoirs à la BRH | 18141623 | 0.3592274686609994 | 0 | 0 | 0 | 0 | 0 | 0 | 17902174 | 0.3657842053536949 | 17660925 | 0.38580947785934405 | 13906636 | 0.35750828175073873 | 9661511 | 0.36876837875917934 Avoirs à l'étranger | 7688795 | 0.15224803011854832 | 0 | 0 | 0 | 0 | 0 | 0 | 6896424 | 0.14091042644441676 | 4956047 | 0.10826669074900484 | 5929326 | 0.15242961347373876 | 3569413 | 0.13624024701021803 Avoirs dans les banques locales | 89365 | 0.0017695419388270945 | 0 | 0 | 0 | 0 | 0 | 0 | 46744 | 0.0009550916494864319 | 38959 | 0.0008510738507706807 | 60583 | 0.001557452444523967 | 11484 | 0.0004383306153323652 Autres liquidités | 310152 | 0.006141408509048297 | 0 | 0 | 0 | 0 | 0 | 0 | 449999 | 0.009194555176648229 | 220158 | 0.004809433425857222 | 266056 | 0.0068397003710656224 | 148428 | 0.005665320147383517 28028810 | 0.5550064878914145 | 0 | 0 | 0 | 0 | 0 | 0 | 27302275 | 0.5578507373028019 | 24127533 | 0.5270749356992396 | 21345708 | 0.5487500636266741 | 14602559 | 0.5573623016281058 Bons B.R.H. | 850000 | 0.016831093246830756 | 0 | 0 | 0 | 0 | 0 | 0 | 550000 | 0.011237814633269243 | 0 | 0 | 150000 | 0.003856162069864402 | 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 | 5572471 | 0.11034209296030614 | 0 | 0 | 0 | 0 | 0 | 0 | 5084498 | 0.1038884473222331 | 4676919 | 0.10216903573173236 | 3480953 | 0.08948745950387132 | 2454546 | 0.09368710018648517 Portefeuille net | 12235675 | 0.24228210219166577 | 0 | 0 | 0 | 0 | 0 | 0 | 12765083 | 0.2608211573314481 | 14510277 | 0.3169824000138412 | 11921831 | 0.3064834167035573 | 7960739 | 0.303851935246461 Immobilisations | 1681087 | 0.03328768476827644 | 0 | 0 | 0 | 0 | 0 | 0 | 1625295 | 0.03320866169887152 | 1380496 | 0.030157448771619435 | 1152314 | 0.02962339692915819 | 826915 | 0.031562361614207834 Autres actifs | 2133727 | 0.042250538941506405 | 0 | 0 | 0 | 0 | 0 | 0 | 1614749 | 0.03299318171137614 | 1081061 | 0.023616179783567413 | 847974 | 0.02179950116687464 | 354643 | 0.01353630132474016 50501770 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1 | 26199402 | 1 PASSIF Dépôts À vue | 18220081 | 0.36078103797154043 | 0 | 0 | 0 | 0 | 0 | 0 | 17653506 | 0.3607033237369207 | 17638295 | 0.3853151170892283 | 14465410 | 0.3718731024469148 | 8463608 | 0.3230458466189419 Épargne | 10773995 | 0.21333895821869214 | 0 | 0 | 0 | 0 | 0 | 0 | 10655270 | 0.21771263477715413 | 9428820 | 0.2059760811525863 | 7399691 | 0.19022938508611323 | 4863012 | 0.18561538160298469 À terme | 10376563 | 0.2054692934524869 | 0 | 0 | 0 | 0 | 0 | 0 | 9885914 | 0.20199285274989323 | 9961137 | 0.21760474408081076 | 9101621 | 0.2339821711632087 | 7210253 | 0.2752067776203442 39370639 | 0.7795892896427195 | 0 | 0 | 0 | 0 | 0 | 0 | 38194690 | 0.7804088112639681 | 37028252 | 0.8088959423226253 | 30966722 | 0.7960846586962368 | 20536873 | 0.7838680058422708 Obligations à vue Banques locales | 650000 | 0.012870836012282342 | 0 | 0 | 0 | 0 | 0 | 0 | 650000 | 0.013281053657500015 | 300000 | 0.00655361162327586 | 300000 | 0.007712324139728804 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2946690 | 0.058348251952357315 | 0 | 0 | 0 | 0 | 0 | 0 | 2499539 | 0.051071556273867585 | 1722112 | 0.037620177399276124 | 1345439 | 0.034588205594108606 | 879398 | 0.033565575275344074 3596690 | 0.07121908796463966 | 0 | 0 | 0 | 0 | 0 | 0 | 3149539 | 0.0643526099313676 | 2022112 | 0.04417378902255198 | 1645439 | 0.04230052973383741 | 879398 | 0.033565575275344074 Obligations à terme Banques locales | 418290 | 0.008282679993196278 | 0 | 0 | 0 | 0 | 0 | 0 | 435058 | 0.00888927483403791 | 502238 | 0.010971575981502737 | 569204 | 0.014632952498767313 | 623152 | 0.02378497035924713 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 57618 | 0.0011409105067010522 | 0 | 0 | 0 | 0 | 0 | 0 | 277921 | 0.0056785903285324025 | 79615 | 0.0017392192979570251 | 201823 | 0.005188414649508288 | 83835 | 0.0031998821957844687 475908 | 0.009423590499897331 | 0 | 0 | 0 | 0 | 0 | 0 | 712979 | 0.014567865162570312 | 581853 | 0.012710795279459763 | 771027 | 0.019821367148275603 | 706987 | 0.0269848525550316 Autres passifs | 1667380 | 0.033016268538706664 | 0 | 0 | 0 | 0 | 0 | 0 | 1720229 | 0.03514839023413476 | 1462384 | 0.031946322600308816 | 1485709 | 0.03819423128437447 | 660386 | 0.0252061478349773 45110617 | 0.8932482366459631 | 0 | 0 | 0 | 0 | 0 | 0 | 43777437 | 0.8944776765920408 | 41094601 | 0.8977268492249458 | 34868897 | 0.8964007868627242 | 22783644 | 0.8696245815076237 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0.04009760449980268 | 0 | 0 | 0 | 0 | 0 | 0 | 2025000 | 0.041375590240673124 | 2025000 | 0.04423687845711205 | 810000 | 0.02082327517726777 | 810000 | 0.030916736191154287 Réserves | 554644 | 0.010982664567994349 | 0 | 0 | 0 | 0 | 0 | 0 | 554644 | 0.011332702653554521 | 442384 | 0.009664043081170894 | 605876 | 0.015575707001607762 | 364408 | 0.013909019755489076 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 | 2.7404980063075018e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 2.827842809535388e-05 | 1384 | 3.02339949553793e-05 | 1384 | 3.5579522031282215e-05 | 1384 | 5.282563319575004e-05 BNR | 2810125 | 0.05564408930617679 | 0 | 0 | 0 | 0 | 0 | 0 | 2583435 | 0.05278575208563623 | 2212917 | 0.048341995241815816 | 2612623 | 0.06716465143636896 | 2239966 | 0.08549683691253716 5391153 | 0.1067517633540369 | 0 | 0 | 0 | 0 | 0 | 0 | 5164463 | 0.10552232340795924 | 4681685 | 0.10227315077505414 | 4029883 | 0.10359921313727577 | 3415758 | 0.13037541849237627 50501770 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1 | 26199402 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 749815 | 1049060 | 1798875 | 0.4168244041414773 | 426809 | 1580125 | 2006934 | 0.21266718287696557 Avoirs à la BRH | 13506139 | 4635484 | 18141623 | 0.7444835007319908 | 13892825 | 4009349 | 17902174 | 0.7760412227028963 Avoirs à l'étranger | 7688795 | 0 | 7688795 | 1 | 6896424 | 0 | 6896424 | 1 Avoirs dans les banques locales | 1464 | 87901 | 89365 | 0.016382252559726963 | 1039 | 45705 | 46744 | 0.022227451651548862 Autres liquidités | 160928 | 149224 | 310152 | 0.5188681678660786 | 183393 | 266606 | 449999 | 0.407540905646457 22107141 | 5921669 | 28028810 | 0.7887292039868977 | 21400490 | 5901785 | 27302275 | 0.783835412982984 Bons B.R.H. | 0 | 850000 | 850000 | 0 | 0 | 550000 | 550000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 2922667 | 2649804 | 5572471 | 0.5244831242728765 | 2909027 | 2175471 | 5084498 | 0.572136521638911 Portefeuille net | 6908315 | 5327360 | 12235675 | 0.5646043230144638 | 7415155 | 5349928 | 12765083 | 0.5808935985766799 Immobilisations | 0 | 1681087 | 1681087 | 0 | 0 | 1625295 | 1625295 | 0 Autres actifs | 493777 | 1639950 | 2133727 | 0.23141526540180632 | 290034 | 1324715 | 1614749 | 0.1796155315779728 32431900 | 18069870 | 50501770 | 0.6421933330257533 | 32014706 | 16927194 | 48941900 | 0.6541369664847503 PASSIF Dépôts À vue | 13755085 | 4464996 | 18220081 | 0.7549409357730078 | 13632167 | 4021339 | 17653506 | 0.7722073451018738 Épargne | 7738042 | 3035953 | 10773995 | 0.718214738358427 | 7738003 | 2917267 | 10655270 | 0.7262136951949598 À terme | 8384612 | 1991951 | 10376563 | 0.8080336427389301 | 7957068 | 1928846 | 9885914 | 0.8048894619152058 29877739 | 9492900 | 39370639 | 0.7588837712286052 | 29327238 | 8867452 | 38194690 | 0.7678354766068267 Obligations à vue Banques locales | 0 | 650000 | 650000 | 0 | 0 | 650000 | 650000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1325494 | 1621196 | 2946690 | 0.44982471858254514 | 1369124 | 1130415 | 2499539 | 0.547750605211601 1325494 | 2271196 | 3596690 | 0.3685316221303476 | 1369124 | 1780415 | 3149539 | 0.43470615858384354 Obligations à terme Banques locales | 0 | 418290 | 418290 | 0 | 0 | 435058 | 435058 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 57618 | 57618 | 0 | 0 | 277921 | 277921 | 0 0 | 475908 | 475908 | 0 | 0 | 712979 | 712979 | 0 Autres passifs | 1280345 | 387035 | 1667380 | 0.7678783480670273 | 1300164 | 420065 | 1720229 | 0.7558086743102227 32483578 | 12627039 | 45110617 | 0.7200872025315016 | 31996526 | 11780911 | 43777437 | 0.7308908011220483 AVOIR DES ACTIONNAIRES Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 2025000 | 2025000 | 0 Réserves | 0 | 554644 | 554644 | 0 | 0 | 554644 | 554644 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1384 | 1384 | 0 | 0 | 1384 | 1384 | 0 BNR | 0 | 2810125 | 2810125 | 0 | 0 | 2583435 | 2583435 | 0 0 | 5391153 | 5391153 | 0 | 0 | 5164463 | 5164463 | 0 32483578 | 18018192 | 50501770 | 0.6432166238925883 | 31996526 | 16945374 | 48941900 | 0.6537655056301451 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes [CAPITALBKRÉSULT ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 | 536121 | 0 | 0 | 0 | 0 | 0 | 0 | 578721 | -0.017379704555390247 | 568663 | 0.03877340357997619 | 590712 | -0.03400641937187665 | 570624 Intérêts sur Bons B.R.H. | 9439 | 0 | 0 | 0 | 0 | 0 | 0 | 6360 | 1.6147798742138364 | 16630 | -0.8229705351773903 | 2944 | 0.11820652173913043 | 3292 Autres | 89929 | 0 | 0 | 0 | 0 | 0 | 0 | 46685 | 0.2675805933383314 | 59177 | 0.3205130371597073 | 78144 | 0.16580927518427518 | 91101 635489 | 0 | 0 | 0 | 0 | 0 | 0 | 631766 | 0.020108711136718343 | 644470 | 0.04240693903517619 | 671800 | -0.010096754986603156 | 665017 Dépenses d'intérêt | 132550 | 0 | 0 | 0 | 0 | 0 | 0 | 110207 | 0.018020633898028257 | 112193 | 0.040305544909218935 | 116715 | 0.07074497708092362 | 124972 502939 | 0 | 0 | 0 | 0 | 0 | 0 | 521559 | 0.020549928196043017 | 532277 | 0.042849869522823644 | 555085 | -0.02709494942216057 | 540045 AUTRES REVENUS Commissions | 321562 | 0 | 0 | 0 | 0 | 0 | 0 | 265264 | 0.12901109837746547 | 299486 | 0.0457316869569863 | 313182 | -0.1054913756218429 | 280144 Gains sur change | 181114 | 0 | 0 | 0 | 0 | 0 | 0 | 264640 | -0.15282648125755743 | 224196 | -0.05144159574657889 | 212663 | -0.32056822296309184 | 144490 Autres | 113973 | 0 | 0 | 0 | 0 | 0 | 0 | 321413 | -0.36159707292486615 | 205191 | -0.543001398696824 | 93772 | 0.22860768672951415 | 115209 616649 | 0 | 0 | 0 | 0 | 0 | 0 | 851317 | -0.143828914493661 | 728873 | -0.1498971700145293 | 619617 | -0.12874727452603785 | 539843 PRODUIT NET BANCAIRE | 1119588 | 0 | 0 | 0 | 0 | 0 | 0 | 1372876 | -0.08138098415297522 | 1261150 | -0.06854696110692622 | 1174702 | -0.08071323620799148 | 1079888 Dotation à la provisions pour créances douteuses | 61050 | 0 | 0 | 0 | 0 | 0 | 0 | 138550 | -0.7460483579935041 | 35185 | -0.21557481881483587 | 27600 | 0.8082971014492754 | 49909 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1058538 | 0 | 0 | 0 | 0 | 0 | 0 | 1234326 | -0.0067737372460759965 | 1225965 | -0.06432728503668539 | 1147102 | -0.10210338749300411 | 1029979 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 273354 | 0 | 0 | 0 | 0 | 0 | 0 | 240731 | 0.08399001374978711 | 260950 | 0.010936961103659704 | 263804 | 0.18594865885278464 | 312858 Frais de locaux | 32469 | 0 | 0 | 0 | 0 | 0 | 0 | 72907 | 0.18571604921338142 | 86447 | 0.05239048202945157 | 90976 | -0.008046078086528316 | 90244 Amortissement | 33589 | 0 | 0 | 0 | 0 | 0 | 0 | 28673 | -0.10354689080319464 | 25704 | 0.11959228135698724 | 28778 | 0.08235457641253735 | 31148 Autres dépenses d'exploitation | 370367 | 0 | 0 | 0 | 0 | 0 | 0 | 319715 | 0.17836197863722378 | 376740 | 0.09975049105483888 | 414320 | 0.0235928750724078 | 424095 709779 | 0 | 0 | 0 | 0 | 0 | 0 | 662026 | 0.13264584774616103 | 749841 | 0.06406291467124364 | 797878 | 0.07578476910003785 | 858345 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 348759 | 0 | 0 | 0 | 0 | 0 | 0 | 572300 | -0.16805172112528394 | 476124 | -0.26652720719812484 | 349224 | -0.5085274780656541 | 171634 Impôts sur le revenu | 77897 | 0 | 0 | 0 | 0 | 0 | 0 | 139251 | -0.2036825588326116 | 110888 | -0.3113231368588125 | 76366 | -0.46099049315140245 | 41162 BÉNÉFICE NET | 270862 | 0 | 0 | 0 | 0 | 0 | 0 | 433049 | -0.15659428840616188 | 365236 | -0.2529268746782902 | 272858 | -0.5218318685909887 | 130472 0 | 0 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 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 | 536121 | -0.0736105999263894 | 578721 | 0 | 0 | 568663 | 0 | 0 | 590712 | 0 | 0 | 570624 | 536121 | -0.0736105999263894 | 578721 | 2308720 Intérêts sur Bons B.R.H. | 9439 | 0.4841194968553459 | 6360 | 0 | 0 | 16630 | 0 | 0 | 2944 | 0 | 0 | 3292 | 9439 | 0.4841194968553459 | 6360 | 29226 Autres | 89929 | 0.9262932419406662 | 46685 | 0 | 0 | 59177 | 0 | 0 | 78144 | 0 | 0 | 91101 | 89929 | 0.9262932419406662 | 46685 | 275107 635489 | 0.005893004688444772 | 631766 | 0 | 0 | 644470 | 0 | 0 | 671800 | 0 | 0 | 665017 | 635489 | 0.005893004688444772 | 631766 | 2613053 Dépenses d'intérêt | 132550 | 0.20273666826971062 | 110207 | 0 | 0 | 112193 | 0 | 0 | 116715 | 0 | 0 | 124972 | 132550 | 0.20273666826971062 | 110207 | 464087 502939 | -0.0357006589858482 | 521559 | 0 | 0 | 532277 | 0 | 0 | 555085 | 0 | 0 | 540045 | 502939 | -0.0357006589858482 | 521559 | 2148966 AUTRES REVENUS Commissions | 321562 | 0.21223385005126968 | 265264 | 0 | 0 | 299486 | 0 | 0 | 313182 | 0 | 0 | 280144 | 321562 | 0.21223385005126968 | 265264 | 1158076 Gains sur change | 181114 | -0.31562122128174125 | 264640 | 0 | 0 | 224196 | 0 | 0 | 212663 | 0 | 0 | 144490 | 181114 | -0.31562122128174125 | 264640 | 845989 Autres | 113973 | -0.6454001549408394 | 321413 | 0 | 0 | 205191 | 0 | 0 | 93772 | 0 | 0 | 115209 | 113973 | -0.6454001549408394 | 321413 | 735585 616649 | -0.27565290015352684 | 851317 | 0 | 0 | 728873 | 0 | 0 | 619617 | 0 | 0 | 539843 | 616649 | -0.27565290015352684 | 851317 | 2739650 PRODUIT NET BANCAIRE | 1119588 | -0.18449444815118043 | 1372876 | 0 | 0 | 1261150 | 0 | 0 | 1174702 | 0 | 0 | 1079888 | 1119588 | -0.18449444815118043 | 1372876 | 4888616 Dotation à la provisions pour créances douteuses | 61050 | -0.5593648502345724 | 138550 | 0 | 0 | 35185 | 0 | 0 | 27600 | 0 | 0 | 49909 | 61050 | -0.5593648502345724 | 138550 | 251244 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1058538 | -0.14241618502729425 | 1234326 | 0 | 0 | 1225965 | 0 | 0 | 1147102 | 0 | 0 | 1029979 | 1058538 | -0.14241618502729425 | 1234326 | 4637372 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 273354 | 0.1355164062792079 | 240731 | 0 | 0 | 260950 | 0 | 0 | 263804 | 0 | 0 | 312858 | 273354 | 0.1355164062792079 | 240731 | 1078343 Frais de locaux | 32469 | -0.5546518166979851 | 72907 | 0 | 0 | 86447 | 0 | 0 | 90976 | 0 | 0 | 90244 | 32469 | -0.5546518166979851 | 72907 | 340574 Amortissement | 33589 | 0.17145049349562305 | 28673 | 0 | 0 | 25704 | 0 | 0 | 28778 | 0 | 0 | 31148 | 33589 | 0.17145049349562305 | 28673 | 114303 Autres dépenses d'exploitation | 370367 | 0.15842860047229565 | 319715 | 0 | 0 | 376740 | 0 | 0 | 414320 | 0 | 0 | 424095 | 370367 | 0.15842860047229565 | 319715 | 1534870 709779 | 0.07213160812415223 | 662026 | 0 | 0 | 749841 | 0 | 0 | 797878 | 0 | 0 | 858345 | 709779 | 0.07213160812415223 | 662026 | 3068090 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 348759 | -0.39060108334789445 | 572300 | 0 | 0 | 476124 | 0 | 0 | 349224 | 0 | 0 | 171634 | 348759 | -0.39060108334789445 | 572300 | 1569282 Impôts sur le revenu | 77897 | -0.44060006750400355 | 139251 | 0 | 0 | 110888 | 0 | 0 | 76366 | 0 | 0 | 41162 | 77897 | -0.44060006750400355 | 139251 | 367667 BÉNÉFICE NET | 270862 | -0.37452343730155246 | 433049 | 0 | 0 | 365236 | 0 | 0 | 272858 | 0 | 0 | 130472 | 270862 | -0.37452343730155246 | 433049 | 1201615 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 536121 | -0.0736105999263894 | 578721 | 2308720 | 0.1772402529359364 | 1961129 | 0.21573583134805138 | 1613121 | -0.07276549221940183 | 1739712 Intérêts sur Bons B.R.H. | 9439 | 0.4841194968553459 | 6360 | 29226 | 2.3975819576842596 | 8602 | 0.3254237288135593 | 6490 | -0.38617232573536364 | 10573 Autres | 89929 | 0.9262932419406662 | 46685 | 275107 | 1.5391757810697309 | 108345 | 0.7058443807664452 | 63514 | -0.0034831178611773564 | 63736 635489 | 0.005893004688444772 | 631766 | 2613053 | 0.25743861148485425 | 2078076 | 0.23465339769773486 | 1683125 | -0.07215792981448396 | 1814021 Dépenses d'intérêt | 132550 | 0.20273666826971062 | 110207 | 464087 | 0.11288110231311178 | 417014 | 0.15825317953432563 | 360037 | -0.3103756725540485 | 522077 502939 | -0.0357006589858482 | 521559 | 2148966 | 0.293730155767816 | 1661062 | 0.2554433265209873 | 1323088 | 0.024106308013350425 | 1291944 AUTRES REVENUS Commissions | 321562 | 0.21223385005126968 | 265264 | 1158076 | 0.24118979204468846 | 933037 | 0.275442217787134 | 731540 | -0.16122515200887919 | 872153 Gains sur change | 181114 | -0.31562122128174125 | 264640 | 845989 | 0.013057353443062683 | 835085 | 0.3146431618751358 | 635218 | 0.6725153897598197 | 379798 Autres | 113973 | -0.6454001549408394 | 321413 | 735585 | 0.16952960293056135 | 628958 | 0.35928905947773015 | 462711 | -0.2174471150919017 | 591284 616649 | -0.27565290015352684 | 851317 | 2739650 | 0.1429113755068667 | 2397080 | 0.31025997160924834 | 1829469 | -0.007468391170957583 | 1843235 PRODUIT NET BANCAIRE | 1119588 | -0.18449444815118043 | 1372876 | 4888616 | 0.2046438986117292 | 4058142 | 0.2872541241918861 | 3152557 | 0.005542905205731475 | 3135179 Dotation à la provisions pour créances douteuses | 61050 | -0.5593648502345724 | 138550 | 251244 | 0.32872872661117164 | 189086 | 0.9997884784195108 | 94553 | -0.3132408483439861 | 137680 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1058538 | -0.14241618502729425 | 1234326 | 4637372 | 0.19857970523042312 | 3869056 | 0.26522267465967997 | 3058004 | 0.020185161029244714 | 2997499 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 273354 | 0.1355164062792079 | 240731 | 1078343 | 0.2510389137289752 | 861958 | 0.20812256734350057 | 713469 | 0.1465198757494484 | 622291 Frais de locaux | 32469 | -0.5546518166979851 | 72907 | 340574 | 0.1562754630887066 | 294544 | 0.1443223670919517 | 257396 | -0.023728247841852138 | 263652 Amortissement | 33589 | 0.17145049349562305 | 28673 | 114303 | 0.18800798220633172 | 96214 | 0.006991396814100014 | 95546 | -0.05017247721014385 | 100593 Autres dépenses d'exploitation | 370367 | 0.15842860047229565 | 319715 | 1534870 | 0.37864597414752493 | 1113317 | 0.3280999859235242 | 838278 | -0.005511766185326316 | 842924 709779 | 0.07213160812415223 | 662026 | 3068090 | 0.296723249422134 | 2366033 | 0.2422148707741789 | 1904689 | 0.041120877198736236 | 1829460 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 348759 | -0.39060108334789445 | 572300 | 1569282 | 0.0440838230685758 | 1503023 | 0.30321984887043 | 1153315 | -0.01260574347260665 | 1168039 Impôts sur le revenu | 77897 | -0.44060006750400355 | 139251 | 367667 | 0.2062723920261421 | 304796 | 1.3806607826290713 | 128030 | 0.021371987459214526 | 125351 BÉNÉFICE NET | 270862 | -0.37452343730155246 | 433049 | 1201615 | 0.0028275109808074766 | 1198227 | 0.16867700200432076 | 1025285 | -0.01669051528357476 | 1042688 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 5782896 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012675811061371249 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129 | 0.5258089579107736 | 3946188 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 96667 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 Dépôts | 4204759 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02899846940142234 | 4330332 | 0.05926694562634569 | 4088046 | -0.10085488207430972 | 4546592 | 0.5384432142712126 | 2955320 Avoir des Actionnaires | 593159 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06260905394027337 | 558210 | 0.18472659665684718 | 471172 | -0.0155099823441532 | 478595 | 0.08673537739812033 | 440397 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 19391 | 0.5464550602121381 | 12539 | 0 | 0 | 16922 | 0 | 0 | 23517 | 0 | 0 | 30392 | 19391 | 0.5464550602121381 | 12539 Autres revenus | 76003 | 0.040239245582579415 | 73063 | 0 | 0 | 57632 | 0 | 0 | 90551 | 0 | 0 | 79834 | 76003 | 0.040239245582579415 | 73063 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 | 61554 | -0.3312375911036704 | 92041.65662 | 0 | 0 | 58886.3 | 0 | 0 | 52051.1 | 0 | 0 | 55557.80553 | 61554 | -0.3312375911036704 | 92041.65662 Bénéfice (perte) net | 23330 | 4.622863978110687 | -6439.656619999994 | 0 | 0 | 12801.699999999997 | 0 | 0 | 42754.9 | 0 | 0 | 40686.19447 | 23330 | 4.622863978110687 | -6439.656619999994 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.10257127224836829 | 0.07390810975020719 | 0 | 0.07958603508054185 | 0 | 0.06866044445417623 | 0 | 0.09530419283131357 | 0.10257127224836829 | 0.07390810975020719 | 0.09530419283131357 | 0.08333174158833513 | 0.07948592365318863 | 0.11160061304732567 Dépôts en % de l'actif | 0.7271026489150073 | 0.7637105138725767 | 0 | 0.7349997851151067 | 0 | 0.7798765591200982 | 0 | 0.7393253362562616 | 0.7271026489150073 | 0.7637105138725767 | 0.7393253362562616 | 0.7230140858820708 | 0.7551062267558127 | 0.7489050192236153 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 Rentabilité ROA (rendement de l'actif) | 0.016034314670504455 | -0.004311778726999967 | 0 | 0.008328292837236836 | 0 | 0.02517894695308191 | 0 | 0.024221110469741656 | 0.016034314670504455 | -0.004311778726999967 | 0.015602589496314581 | 0.0009988419942406658 | 0.009096352708335505 | 0.008412710989497203 ROE (rendement avoir des action.) | 0.16210267950587517 | -0.055019873101515536 | 0 | 0.10861105543412668 | 0 | 0.3426233728507105 | 0 | 0.3017331960364613 | 0.16210267950587517 | -0.055019873101515536 | 0.17447971277912377 | 0.012278570359045997 | 0.09865834630528723 | 0.09764153412958018 Revenus nets d'intérêt en % des revenus d'intérêt | 0.9644864461576722 | 0.9216464535097391 | 0 | 0.9378186654843715 | 0 | 0.9653148345784418 | 0 | 0.9759167683514225 | 0.9644864461576722 | 0.9216464535097391 | 0.9565935768131906 | 0.9076769866143347 | 0.9639843695967909 | 0.9649378835503667 Rendement moyen des prêts | 0.24901983096610011 | 0.24893707263078405 | 0 | 0.24347502249992242 | 0 | 0.24633018506832735 | 0 | 0.24893707263078405 | 0.24901983096610011 | 0.24893707263078405 | 0.24691983820745445 | 0.20038562638480795 | 0.21806725986208111 | 0.14944610562908586 Rendement moyen des prêts productifs | 0.24901983096610011 | 0.24893707263078405 | 0 | 0.24347502249992242 | 0 | 0.24633018506832735 | 0 | 0.24893707263078405 | 0.24901983096610011 | 0.24893707263078405 | 0.24691983820745445 | 0.20038562638480795 | 0.21806725986208111 | 0.14944610562908586 Rémunération moyenne des dépôts | 0.0006692371528317625 | 0.000958769968284591 | 0 | 0.0009736366402376819 | 0 | 0.0006547407004059586 | 0 | 0.0005857848183905973 | 0.0006692371528317625 | 0.000958769968284591 | 0.0008987479535844078 | 0.0007300827203178639 | 0.0005553250957889135 | 0.0007479361910118877 Dépenses d'exploitation en % du produit net bancaire | 0.6452607082206429 | 1.0752278757505664 | 0 | 0.7898476272232208 | 0 | 0.4563164077567766 | 0 | 0.5040353957324043 | 0.6452607082206429 | 1.0752278757505664 | 0.6724850101443621 | 0.9954206864714064 | 0.8148668377746718 | 0.8389449896326516 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 23125.81818181818 | 16305.142857142857 | 0 | 14910.8 | 0 | 24014.315789473683 | 0 | 25194.514285714286 | 23125.81818181818 | 16305.142857142857 | 26287.17948717949 | 13348.217391304348 | 14206.88 | 14047.6 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 156 | 0 | 0 | 0 | 0 | 0 | 0 | -0.018867924528301886 | 159 | -0.9886217260626878 | 13974 | -0.7877936553734947 | 65851 | -0.20679603464267216 | 83019 Avoirs à la BRH | 4942349 | 0 | 0 | 0 | 0 | 0 | 0 | 0.022613430795457204 | 4833057 | 0.2199600065831123 | 3961652 | -0.04769949467390818 | 4160086 | 0.7447119753967145 | 2384397 Avoirs à l'étranger | 423742 | 0 | 0 | 0 | 0 | 0 | 0 | -0.30052838959199607 | 605803 | -0.47939727943887245 | 1163657 | -0.067155725897025 | 1247429 | 0.6604026988570189 | 751281 Avoirs dans les banques locales | 4422 | 0 | 0 | 0 | 0 | 0 | 0 | -0.025561921551344204 | 4538 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 12221 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5506915366070295 | 7881 | -0.9371696443519648 | 125433 | 0.8844819038175508 | 66561 | 0.3598030603280966 | 48949 5382890 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012574296910283122 | 5451438 | 0.03546668044392138 | 5264716 | -0.04967773041052707 | 5539927 | 0.6953877500806391 | 3267646 Bons B.R.H. | 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 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 96667 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 Immobilisations | 250673 | 0 | 0 | 0 | 0 | 0 | 0 | -0.039511849340000384 | 260985 | -0.014641531659763727 | 264863 | -0.03324086578822499 | 273970 | -0.058227830696197094 | 290909 Autres actifs | 52666 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09606659729448491 | 48050 | 0.7206187781995274 | 27926 | -0.144738453999755 | 32652 | -0.1781938991241317 | 39732 5782896 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012675811061371249 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129 | 0.5258089579107736 | 3946188 PASSIF Dépôts À vue | 3653200 | 0 | 0 | 0 | 0 | 0 | 0 | -0.017214880806501468 | 3717191 | 0.11021771932318727 | 3348164 | -0.15608382590872188 | 3967413 | 0.5555657933481097 | 2550463 Épargne | 547131 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10116902190519686 | 608714 | -0.17233343032504916 | 735458 | 0.2795959342888659 | 574758 | 0.4347428856714928 | 400600 À terme | 4428 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00022588660492432798 | 4427 | 0.000678119349005425 | 4424 | 0.0006785795068988917 | 4421 | 0.03852478271082922 | 4257 4204759 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02899846940142234 | 4330332 | 0.05926694562634569 | 4088046 | -0.10085488207430972 | 4546592 | 0.5384432142712126 | 2955320 Obligations à vue Banques locales | 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 Autres | 875595 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024694146477330443 | 854494 | -0.15584604183358047 | 1012249 | 0.11901537604370603 | 904589 | 0.9166239379621586 | 471970 875595 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024694146477330443 | 854494 | -0.15584604183358047 | 1012249 | 0.11901537604370603 | 904589 | 0.9166239379621586 | 471970 Obligations à terme Banques locales | 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 Autres | 109383 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04137453551146323 | 114104 | 0.3796505652620761 | 82705 | -0.09466574715663416 | 91353 | 0.1637176596476478 | 78501 109383 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04137453551146323 | 114104 | 0.3796505652620761 | 82705 | -0.09466574715663416 | 91353 | 0.1637176596476478 | 78501 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 5189737 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020606613033197267 | 5298930 | 0.022367354813814393 | 5183000 | -0.06486816319033857 | 5542534 | 0.5809653228044683 | 3505791 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 Réserves | 59288 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 59288 | 0 | 59288 | 0 | 59288 | 0 | 59288 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 430034 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0884594454357923 | 395085 | 0.28254779303158284 | 308047 | -0.02352997115415095 | 315470 | 0.13776364003577715 | 277272 593159 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06260905394027337 | 558210 | 0.18472659665684718 | 471172 | -0.0155099823441532 | 478595 | 0.08673537739812033 | 440397 5782896 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012675811061371249 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129 | 0.5258089579107736 | 3946188 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 | 115535.679 | 0 | 0 | 0 | 117292.29325 | 15890.1345 | 523955.56958 | 614449.38489 Portefeuille brut | 96667 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901 Provisions pour créances douteuses | 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 [cbnacomp ] CITIBANK N.A. (CBNA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 156 | 2.6976103322625894e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 159 | 2.714635470553888e-05 | 13974 | 0.002471449400548834 | 65851 | 0.010936653242273999 | 83019 | 0.021037771135080235 Avoirs à la BRH | 4942349 | 0.854649469746646 | 0 | 0 | 0 | 0 | 0 | 0 | 4833057 | 0.8251564756860857 | 3961652 | 0.7006599728483676 | 4160086 | 0.6909146108645073 | 2384397 | 0.6042279283196847 Avoirs à l'étranger | 423742 | 0.07327505111625732 | 0 | 0 | 0 | 0 | 0 | 0 | 605803 | 0.10342983094138095 | 1163657 | 0.20580502326423744 | 1247429 | 0.2071752656353983 | 751281 | 0.1903814516693072 Avoirs dans les banques locales | 4422 | 0.0007646687749528956 | 0 | 0 | 0 | 0 | 0 | 0 | 4538 | 0.0007747808657467638 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 12221 | 0.002113301017344943 | 0 | 0 | 0 | 0 | 0 | 0 | 7881 | 0.0013455372417254838 | 125433 | 0.022184150040005856 | 66561 | 0.011054571327071718 | 48949 | 0.01240412266217423 5382890 | 0.9308294667585237 | 0 | 0 | 0 | 0 | 0 | 0 | 5451438 | 0.9307337710896444 | 5264716 | 0.9311205955531597 | 5539927 | 0.9200811010692513 | 3267646 | 0.8280512737862463 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 | 0.01671601910184793 | 0 | 0 | 0 | 0 | 0 | 0 | 96667 | 0.016504130002014634 | 96667 | 0.017096579304626745 | 174580 | 0.02899456231547273 | 347901 | 0.08816128375029268 Immobilisations | 250673 | 0.04334731248841411 | 0 | 0 | 0 | 0 | 0 | 0 | 260985 | 0.04455843636996896 | 264863 | 0.04684381727333374 | 273970 | 0.04550143336905753 | 290909 | 0.07371899159391292 Autres actifs | 52666 | 0.009107201651214201 | 0 | 0 | 0 | 0 | 0 | 0 | 48050 | 0.00820366253837197 | 27926 | 0.004939007868879829 | 32652 | 0.005422903246218442 | 39732 | 0.01006845086954803 5782896 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5857140 | 1 | 5654172 | 1 | 6021129 | 1 | 3946188 | 1 PASSIF Dépôts À vue | 3653200 | 0.6317250042193392 | 0 | 0 | 0 | 0 | 0 | 0 | 3717191 | 0.6346426754354514 | 3348164 | 0.5921581444639463 | 3967413 | 0.6589151303684077 | 2550463 | 0.6463105660450035 Épargne | 547131 | 0.09461193837827968 | 0 | 0 | 0 | 0 | 0 | 0 | 608714 | 0.1039268311838201 | 735458 | 0.1300735103212283 | 574758 | 0.09545684870727732 | 400600 | 0.101515690585446 À terme | 4428 | 0.0007657063173883812 | 0 | 0 | 0 | 0 | 0 | 0 | 4427 | 0.0007558296369900668 | 4424 | 0.0007824310968962387 | 4421 | 0.0007342476801277634 | 4257 | 0.0010787625931658602 4204759 | 0.7271026489150073 | 0 | 0 | 0 | 0 | 0 | 0 | 4330332 | 0.7393253362562616 | 4088046 | 0.7230140858820708 | 4546592 | 0.7551062267558127 | 2955320 | 0.7489050192236153 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 | 875595 | 0.151411161466504 | 0 | 0 | 0 | 0 | 0 | 0 | 854494 | 0.14588929067770276 | 1012249 | 0.1790269202988519 | 904589 | 0.15023577804096208 | 471970 | 0.119601498965584 875595 | 0.151411161466504 | 0 | 0 | 0 | 0 | 0 | 0 | 854494 | 0.14588929067770276 | 1012249 | 0.1790269202988519 | 904589 | 0.15023577804096208 | 471970 | 0.119601498965584 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 | 109383 | 0.018914917370120438 | 0 | 0 | 0 | 0 | 0 | 0 | 114104 | 0.019481180234722065 | 82705 | 0.014627252230742184 | 91353 | 0.015172071550036546 | 78501 | 0.01989286876347503 109383 | 0.018914917370120438 | 0 | 0 | 0 | 0 | 0 | 0 | 114104 | 0.019481180234722065 | 82705 | 0.014627252230742184 | 91353 | 0.015172071550036546 | 78501 | 0.01989286876347503 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 5189737 | 0.8974287277516317 | 0 | 0 | 0 | 0 | 0 | 0 | 5298930 | 0.9046958071686865 | 5183000 | 0.9166682584116649 | 5542534 | 0.9205140763468114 | 3505791 | 0.8883993869526743 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0.017955882312253237 | 0 | 0 | 0 | 0 | 0 | 0 | 103837 | 0.017728276940622897 | 103837 | 0.01836466948653136 | 103837 | 0.017245436860761496 | 103837 | 0.02631324204523454 Réserves | 59288 | 0.01025230265251182 | 0 | 0 | 0 | 0 | 0 | 0 | 59288 | 0.010122346401144585 | 59288 | 0.01048570860596388 | 59288 | 0.00984665832603819 | 59288 | 0.015024119479355773 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 | 430034 | 0.07436308728360323 | 0 | 0 | 0 | 0 | 0 | 0 | 395085 | 0.06745356948954609 | 308047 | 0.05448136349583989 | 315470 | 0.052393828466388945 | 277272 | 0.07026325152273535 593159 | 0.10257127224836829 | 0 | 0 | 0 | 0 | 0 | 0 | 558210 | 0.09530419283131357 | 471172 | 0.08333174158833513 | 478595 | 0.07948592365318863 | 440397 | 0.11160061304732567 5782896 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5857140 | 1 | 5654172 | 1 | 6021129 | 1 | 3946188 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 156 | 0 | 156 | 1 | 159 | 0 | 159 | 1 Avoirs à la BRH | 3540999 | 1401350 | 4942349 | 0.7164607355733074 | 3475197 | 1357860 | 4833057 | 0.7190473855367318 Avoirs à l'étranger | 423742 | 0 | 423742 | 1 | 605803 | 0 | 605803 | 1 Avoirs dans les banques locales | 3455 | 967 | 4422 | 0 | 3551 | 987 | 4538 | 0 Autres liquidités | 2917 | 9304 | 12221 | 0.23868750511414777 | 5353 | 2528 | 7881 | 0.6792285242989469 3971269 | 1411621 | 5382890 | 0.7377577843871972 | 4090063 | 1361375 | 5451438 | 0.7502723134703174 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 | 250673 | 250673 | 0 | 0 | 260985 | 260985 | 0 Autres actifs | 380 | 52286 | 52666 | 0.007215281206091217 | 199 | 47851 | 48050 | 0.004141519250780437 3971649 | 1811247 | 5782896 | 0.6867923960589988 | 4090262 | 1766878 | 5857140 | 0.6983377552867099 PASSIF Dépôts À vue | 2699924 | 953276 | 3653200 | 0.7390572648636812 | 2833089 | 884102 | 3717191 | 0.7621585761936903 Épargne | 547127 | 4 | 547131 | 0.9999926891366053 | 608710 | 4 | 608714 | 0.9999934287695043 À terme | 0 | 4428 | 4428 | 0 | 0 | 4427 | 4427 | 0 3247051 | 957708 | 4204759 | 0.7722323681333461 | 3441799 | 888533 | 4330332 | 0.7948118065774171 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 | 668683 | 206912 | 875595 | 0.7636898337701792 | 597290 | 257204 | 854494 | 0.6989984716100991 668683 | 206912 | 875595 | 0.7636898337701792 | 597290 | 257204 | 854494 | 0.6989984716100991 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 | 55146 | 54237 | 109383 | 0.5041551246537396 | 51002 | 63102 | 114104 | 0.4469781953305756 55146 | 54237 | 109383 | 0.5041551246537396 | 51002 | 63102 | 114104 | 0.4469781953305756 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 3970880 | 1218857 | 5189737 | 0.7651408924960937 | 4090091 | 1208839 | 5298930 | 0.7718711136021801 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 | 430034 | 430034 | 0 | 0 | 395085 | 395085 | 0 0 | 593159 | 593159 | 0 | 0 | 558210 | 558210 | 0 0 | 0 3970880 | 1812016 | 5782896 | 0.6866594177035175 | 4090091 | 1767049 | 5857140 | 0.6983085601505171 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes [CBNARÉSULT ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 | 6018 | 0 | 0 | 0 | 0 | 0 | 0 | 6016 | -0.021941489361702128 | 5884 | 0.011726716519374574 | 5953 | 0.01058289937846464 | 6016 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 14087 | 0 | 0 | 0 | 0 | 0 | 0 | 7589 | 0.6023191461325603 | 12160 | 0.5138980263157895 | 18409 | 0.3648758759302515 | 25126 20105 | 0 | 0 | 0 | 0 | 0 | 0 | 13605 | 0.32627710400588017 | 18044 | 0.35014409221902015 | 24362 | 0.2783022740333306 | 31142 Dépenses d'intérêt | 714 | 0 | 0 | 0 | 0 | 0 | 0 | 1066 | 0.0525328330206379 | 1122 | -0.24688057040998218 | 845 | -0.11242603550295859 | 750 19391 | 0 | 0 | 0 | 0 | 0 | 0 | 12539 | 0.34954940585373634 | 16922 | 0.38972934641295354 | 23517 | 0.292341710252158 | 30392 AUTRES REVENUS Commissions | 21185 | 0 | 0 | 0 | 0 | 0 | 0 | 16422 | 0.17494824016563146 | 19295 | -0.010831821715470329 | 19086 | 0.14895735093786022 | 21929 Gains sur change | 21982 | 0 | 0 | 0 | 0 | 0 | 0 | 33032 | -0.5359348510535239 | 15329 | 0.8978406941092048 | 29092 | -0.5756909115908153 | 12344 Autres | 32836 | 0 | 0 | 0 | 0 | 0 | 0 | 23609 | -0.025456393748146892 | 23008 | 0.841663769123783 | 42373 | 0.07523658933754986 | 45561 76003 | 0 | 0 | 0 | 0 | 0 | 0 | 73063 | -0.21120129203564048 | 57632 | 0.5711930871737924 | 90551 | -0.11835319322812558 | 79834 PRODUIT NET BANCAIRE | 95394 | 0 | 0 | 0 | 0 | 0 | 0 | 85602 | -0.12906240508399336 | 74554 | 0.5300050969766881 | 114068 | -0.033681663569099136 | 110226 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 | 95394 | 0 | 0 | 0 | 0 | 0 | 0 | 85602 | -0.12906240508399336 | 74554 | 0.5300050969766881 | 114068 | -0.033681663569099136 | 110226 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 18046 | 0 | 0 | 0 | 0 | 0 | 0 | 31571 | -0.3651769028538849 | 20042 | -0.007683863885839737 | 19888 | 0.16698511665325824 | 23209 Frais de locaux | 194 | 0 | 0 | 0 | 0 | 0 | 0 | 6341 | -0.536666140987226 | 2938 | -1.8407079646017699 | -2470 | 0.7461538461538462 | -627 Amortissement | 3984 | 0 | 0 | 0 | 0 | 0 | 0 | 5300 | 0.2169811320754717 | 6450 | -0.24945736434108526 | 4841 | -0.30778764718033463 | 3351 Autres dépenses d'exploitation | 39330 | 0 | 0 | 0 | 0 | 0 | 0 | 48829.65662 | -0.3967538983689048 | 29456.300000000003 | 0.011399938213556882 | 29792.1 | -0.0056153970347844135 | 29624.805529999998 61554 | 0 | 0 | 0 | 0 | 0 | 0 | 92041.65662 | -0.3602212067616737 | 58886.3 | -0.11607453686171493 | 52051.1 | 0.06737044039415112 | 55557.80553 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 33840 | 0 | 0 | 0 | 0 | 0 | 0 | -6439.656619999994 | 3.4330023981930906 | 15667.699999999997 | 2.9582644548976567 | 62016.9 | -0.11849520904785629 | 54668.19447 Impôts sur le revenu | 10510 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2866 | 5.720865317515702 | 19262 | -0.27411483750389365 | 13982 BÉNÉFICE NET | 23330 | 0 | 0 | 0 | 0 | 0 | 0 | -6439.656619999994 | 2.9879476120265567 | 12801.699999999997 | 2.339782997570636 | 42754.9 | -0.04838522672255108 | 40686.19447 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 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 | 6018 | 0.0003324468085106383 | 6016 | 0 | 0 | 5884 | 0 | 0 | 5953 | 0 | 0 | 6016 | 6018 | 0.0003324468085106383 | 6016 | 23869 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 14087 | 0.8562392937145868 | 7589 | 0 | 0 | 12160 | 0 | 0 | 18409 | 0 | 0 | 25126 | 14087 | 0.8562392937145868 | 7589 | 63284 20105 | 0.47776552737963984 | 13605 | 0 | 0 | 18044 | 0 | 0 | 24362 | 0 | 0 | 31142 | 20105 | 0.47776552737963984 | 13605 | 87153 Dépenses d'intérêt | 714 | -0.3302063789868668 | 1066 | 0 | 0 | 1122 | 0 | 0 | 845 | 0 | 0 | 750 | 714 | -0.3302063789868668 | 1066 | 3783 19391 | 0.5464550602121381 | 12539 | 0 | 0 | 16922 | 0 | 0 | 23517 | 0 | 0 | 30392 | 19391 | 0.5464550602121381 | 12539 | 83370 AUTRES REVENUS Commissions | 21185 | 0.29003775423212763 | 16422 | 0 | 0 | 19295 | 0 | 0 | 19086 | 0 | 0 | 21929 | 21185 | 0.29003775423212763 | 16422 | 76732 Gains sur change | 21982 | -0.3345240978445144 | 33032 | 0 | 0 | 15329 | 0 | 0 | 29092 | 0 | 0 | 12344 | 21982 | -0.3345240978445144 | 33032 | 89797 Autres | 32836 | 0.39082553263585923 | 23609 | 0 | 0 | 23008 | 0 | 0 | 42373 | 0 | 0 | 45561 | 32836 | 0.39082553263585923 | 23609 | 134551 76003 | 0.040239245582579415 | 73063 | 0 | 0 | 57632 | 0 | 0 | 90551 | 0 | 0 | 79834 | 76003 | 0.040239245582579415 | 73063 | 301080 PRODUIT NET BANCAIRE | 95394 | 0.1143898507044228 | 85602 | 0 | 0 | 74554 | 0 | 0 | 114068 | 0 | 0 | 110226 | 95394 | 0.1143898507044228 | 85602 | 384450 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 | 95394 | 0.1143898507044228 | 85602 | 0 | 0 | 74554 | 0 | 0 | 114068 | 0 | 0 | 110226 | 95394 | 0.1143898507044228 | 85602 | 384450 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 18046 | -0.42839948053593485 | 31571 | 0 | 0 | 20042 | 0 | 0 | 19888 | 0 | 0 | 23209 | 18046 | -0.42839948053593485 | 31571 | 94710 Frais de locaux | 194 | -0.9694054565525942 | 6341 | 0 | 0 | 2938 | 0 | 0 | -2470 | 0 | 0 | -627 | 194 | -0.9694054565525942 | 6341 | 6182 Amortissement | 3984 | -0.24830188679245283 | 5300 | 0 | 0 | 6450 | 0 | 0 | 4841 | 0 | 0 | 3351 | 3984 | -0.24830188679245283 | 5300 | 19942 Autres dépenses d'exploitation | 39330 | -0.19454686511371175 | 48829.65662 | 0 | 0 | 29456.300000000003 | 0 | 0 | 29792.1 | 0 | 0 | 29624.805529999998 | 39330 | -0.19454686511371175 | 48829.65662 | 137702.86215 61554 | -0.3312375911036704 | 92041.65662 | 0 | 0 | 58886.3 | 0 | 0 | 52051.1 | 0 | 0 | 55557.80553 | 61554 | -0.3312375911036704 | 92041.65662 | 258536.86215 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 33840 | 6.254938577765351 | -6439.656619999994 | 0 | 0 | 15667.699999999997 | 0 | 0 | 62016.9 | 0 | 0 | 54668.19447 | 33840 | 6.254938577765351 | -6439.656619999994 | 125913.13785 Impôts sur le revenu | 10510 | 0 | 0 | 0 | 0 | 2866 | 0 | 0 | 19262 | 0 | 0 | 13982 | 10510 | #DIV/0! | 0 | 36110 BÉNÉFICE NET | 23330 | 4.622863978110687 | -6439.656619999994 | 0 | 0 | 12801.699999999997 | 0 | 0 | 42754.9 | 0 | 0 | 40686.19447 | 23330 | 4.622863978110687 | -6439.656619999994 | 89803.13785 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 6018 | 0.0003324468085106383 | 6016 | 23869 | -0.12172057254295912 | 27177 | -0.5229427046763095 | 56968 | -0.20459083229778977 | 71621 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 14087 | 0.8562392937145868 | 7589 | 63284 | 8.087306145893164 | 6964 | 7.023041474654378 | 868 | -0.8984914045140919 | 8551 20105 | 0.47776552737963984 | 13605 | 87153 | 1.5527371781728714 | 34141 | -0.4096929248219102 | 57836 | -0.2786010078331587 | 80172 Dépenses d'intérêt | 714 | -0.3302063789868668 | 1066 | 3783 | 0.20019035532994925 | 3152 | 0.5132021123379741 | 2083 | -0.2589825684809676 | 2811 19391 | 0.5464550602121381 | 12539 | 83370 | 1.6903094646487464 | 30989 | -0.4441734077090022 | 55753 | -0.2793138661599514 | 77361 AUTRES REVENUS Commissions | 21185 | 0.29003775423212763 | 16422 | 76732 | 0.1173044440561477 | 68676 | 0.1163380419057527 | 61519 | -0.3572958346827694 | 95719 Gains sur change | 21982 | -0.3345240978445144 | 33032 | 89797 | -0.45779997101729303 | 165616 | -0.20304507461106486 | 207811 | 0.3866916676119871 | 149861 Autres | 32836 | 0.39082553263585923 | 23609 | 134551 | 2.224477569018405 | 41728 | 0.38681910332679714 | 30089 | -0.5251704330261331 | 63368 76003 | 0.040239245582579415 | 73063 | 301080 | 0.09079052242591117 | 276020 | -0.07814801331912805 | 299419 | -0.03084337817367324 | 308948 PRODUIT NET BANCAIRE | 95394 | 0.1143898507044228 | 85602 | 384450 | 0.252243419574019 | 307009 | -0.13560472109287894 | 355172 | -0.0806012803222291 | 386309 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 | 95394 | 0.1143898507044228 | 85602 | 384450 | 0.252243419574019 | 307009 | -0.13560472109287894 | 355172 | -0.0806012803222291 | 386309 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 18046 | -0.42839948053593485 | 31571 | 94710 | -0.3218142239280497 | 139652 | 0.18516884064735686 | 117833 | 0.1395069966249867 | 103407 Frais de locaux | 194 | -0.9694054565525942 | 6341 | 6182 | -0.507410358565737 | 12550 | -0.4064229295748002 | 21143 | -0.3318480596637593 | 31644 Amortissement | 3984 | -0.24830188679245283 | 5300 | 19942 | -0.09817754262198707 | 22113 | -0.056169704212727815 | 23429 | 0.16417391304347825 | 20125 Autres dépenses d'exploitation | 39330 | -0.19454686511371175 | 48829.65662 | 137702.86215 | 0.048860118710845814 | 131288.10953289998 | 0.03365977430887121 | 127012.88450610574 | -0.2480707303860751 | 168916 61554 | -0.3312375911036704 | 92041.65662 | 258536.86215 | -0.15401102251491658 | 305603.1095329 | 0.05592337548322032 | 289417.88450610574 | -0.1069884955318066 | 324092 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 33840 | 6.254938577765351 | -6439.656619999994 | 125913.13785 | 88.56112926046471 | 1405.89046710002 | -0.9786189737852901 | 65754.11549389426 | 0.05685127045492813 | 62217 Impôts sur le revenu | 10510 | #DIV/0! | 0 | 36110 | 9.16045197740113 | -4425 | -1.216688702805935 | 20421 | 0.05687816996170169 | 19322 BÉNÉFICE NET | 23330 | 4.622863978110687 | -6439.656619999994 | 89803.13785 | 14.401273331526562 | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426 | 0.056839153605181575 | 42895 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 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 2024 | (1er octobre au 31 décembre 2018) et deuxième trimestre de l'exercice fiscal 2014-2015 (1er octobre au 31 décembre 2017). | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 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 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépôts en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Provisions pour créances douteuses en % des prêts improductifs bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts improductifs nets en % de l'avoir des actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rentabilité ROA (rendement de l'actif) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ROE (rendement avoir des action.) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Revenus nets d'intérêt en % des revenus d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rendement moyen des prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rendement moyen des prêts productifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rémunération moyenne des dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [scotiavar] SCOTIA BANK (SCOTIA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 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. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [scotiagdes&$] SCOTIA BANK (SCOTIA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 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 | #REF! | #REF! | 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 | #REF! | #REF! | 0 | 0 | 0 | 0 | 0 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | #REF! | #REF! | 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 | #REF! | #REF! | 0 | 0 | 0 | 0 | 0 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes [SCOTIARÉSULT ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [SCOTIAVARAN ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [sogebkinfin ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) INDICATEURS FINANCIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 160375251.94583 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03800012252976409 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001 Bons B.R.H. | 750000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.625 | 2000000 | 0 | 0 | -1 | 4950000 | 0 | 4050000 Prêts nets | 31430373.118939996 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10607066896740472 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563 Dépôts | 133406702.81036398 | 0 | 0 | 0 | 0 | 0 | 0 | -0.040656868378148324 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 | 0.4628523334855173 | 76115867.49719225 Avoir des Actionnaires | 11633257.52684 | 0 | 0 | 0 | 0 | 0 | 0 | 0.048367179316925496 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 | 0.20758874202197272 | 8090768.963580007 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 1230692.93079 | -0.14479722699512737 | 1439065.6457600002 | 0 | 0 | 1317069.7804999999 | 0 | 0 | 1106189.0240200001 | 0 | 0 | 1546026.08825 | 1230692.93079 | -0.14479722699512737 | 1439065.6457600002 Autres revenus | 976069.6256500001 | -0.1244074571234747 | 1114753.2417799998 | 0 | 0 | 954200.1720400001 | 0 | 0 | 825660.5705600001 | 0 | 0 | 1009263.18867 | 976069.6256500001 | -0.1244074571234747 | 1114753.2417799998 Dot. à la prov. pr créances douteuses | 352491.31236999994 | -0.3807587846021859 | 569231.02598 | 0 | 0 | 410080.80794999993 | 0 | 0 | 337247.50404000015 | 0 | 0 | 515024.82910000003 | 352491.31236999994 | -0.3807587846021859 | 569231.02598 Dépenses d'exploitation | 1411165.79615 | 0.12489818985007659 | 1254483.1246800001 | 0 | 0 | 1433571.6948699998 | 0 | 0 | 1498898.3262400003 | 0 | 0 | 1461548.13402 | 1411165.79615 | 0.12489818985007659 | 1254483.1246800001 Bénéfice (perte) net | 301255.44791999995 | -0.4650099205537339 | 563104.73688 | 0 | 0 | 269617.4497200004 | 0 | 0 | 21383.764299999923 | 0 | 0 | 450263.9677100001 | 301255.44791999995 | -0.4650099205537339 | 563104.73688 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.0725377350039604 | 0.06073860748175987 | 0 | 0.06041890600205542 | 0 | 0.06721521786007904 | 0 | 0.0665618817170956 | 0.0725377350039604 | 0.06041890600205542 | 0.0665618817170956 | 0.06164616052046577 | 0.07148661419540324 | 0.0828600973304912 Dépôts en % de l'actif | 0.8318409554575467 | 0.8297258187526412 | 0 | 0.8286163372121764 | 0 | 0.8289629632835457 | 0 | 0.8341446046233999 | 0.8318409554575467 | 0.8286163372121764 | 0.8341446046233999 | 0.823905908387642 | 0.8146884569724315 | 0.7795264229645499 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.048181371973337564 | 0.09221697164260782 | 0 | 0.10715723510460648 | 0 | 0.12109744072823111 | 0 | 0.06593237986314099 | 0.048181371973337564 | 0.10715723510460648 | 0.06593237986314099 | 0.04079652422411654 | 0.022182784323064426 | 0.024323463171792417 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.64103728277309 | 0.7261437399763181 | 0 | 0.6779607864836891 | 0 | 0.607762595181721 | 0 | 1.1536180332051817 | 1.64103728277309 | 0.6779607864836891 | 1.1536180332051817 | 1.623604489028084 | 2.3057497200171206 | 1.8597512318566836 Prêts improductifs nets en % de l'avoir des actionnaires | -0.09061139405089161 | 0.11136920219184251 | 0 | 0.1430003498190759 | 0 | 0.1772215841414789 | 0 | -0.034734093928777805 | -0.09061139405089161 | 0.1430003498190759 | -0.034734093928777805 | -0.11253186734818964 | -0.11022049368770048 | -0.07791846873366302 Rentabilité ROA (rendement de l'actif) | 0.007368236984169129 | 0.013422389336919917 | 0 | 0.0059854804351975 | 0 | 0.0004916568270743302 | 0 | 0.010819068428355082 | 0.007368236984169129 | 0.013422389336919917 | 0.008059505370615635 | 0.010610589707617024 | 0.014460481781901971 | 0.006944139450366293 ROE (rendement avoir des action.) | 0.10603009777673048 | 0.2194524671932197 | 0 | 0.098807160504061 | 0 | 0.007722459567186738 | 0 | 0.1617488278582654 | 0.10603009777673048 | 0.2194524671932197 | 0.12558060298029225 | 0.16021732726987387 | 0.18970505628022494 | 0.09027107495292935 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8371068280672302 | 0.8621946593657374 | 0 | 0.8386410207466267 | 0 | 0.8413417891456275 | 0 | 0.8698093040367393 | 0.8371068280672302 | 0.8621946593657374 | 0.8541600717358953 | 0.8647163500819798 | 0.8423585141703387 | 0.7572600983235017 Rendement moyen des prêts | 0.12025978304320542 | 0.11554462354216807 | 0 | 0.10461532673406028 | 0 | 0.10017092347686103 | 0 | 0.15003586861176277 | 0.12025978304320542 | 0.11554462354216807 | 0.12657315104814376 | 0.11372415049100124 | 0.11293254586404694 | 0.10474456280882675 Rendement moyen des prêts productifs | 0.1276019390658602 | 0.12396670809013541 | 0 | 0.11617453341410951 | 0 | 0.11303714070790072 | 0 | 0.16574370369148447 | 0.1276019390658602 | 0.12396670809013541 | 0.1336042442954118 | 0.11750112390798706 | 0.11560786424484201 | 0.10696415029108244 Rémunération moyenne des dépôts | 0.007031492371630715 | 0.006629404054079213 | 0 | 0.0067847706264383524 | 0 | 0.0057870478682457 | 0 | 0.0066865654293693 | 0.007031492371630715 | 0.006629404054079213 | 0.006881152859044764 | 0.006267652596267851 | 0.007707438933025915 | 0.011920106321050889 0 | 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.6394733280351309 | 0.4912185162387916 | 0 | 0.6311762691470523 | 0 | 0.7758876935581898 | 0 | 0.5719697363508162 | 0.6394733280351309 | 0.4912185162387916 | 0.6065682084627226 | 0.5359345416190119 | 0.555873771274293 | 0.7507729451108703 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8046.536213090246 | 8716.105418225256 | 0 | 7886.354001875 | 0 | 6835.381139601947 | 0 | 9195.82285891138 | 8046.536213090246 | 8716.105418225256 | 10872.419978493872 | 7090.885999235667 | 5891.257228819139 | 4177.999999988923 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 5357187.066860001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1722582997887456 | 4569971.5394 | -0.11146491787137973 | 5143265.169060001 | -0.04916342330314842 | 5409199.95624 | 0.28377434380106764 | 4213513.0541900005 Avoirs à la BRH | 61994508.13141 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07637374268282643 | 67120772.75876 | 0.1601690088360362 | 57854305.92229 | 0.17796304026973528 | 49113854.972090006 | 0.534075530633822 | 32015278.25152 Avoirs à l'étranger | 7829781.2196499985 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09579213469108404 | 7145316.13412 | 0 | 6562049.10529 | 0 | 10248018.089629998 | 0 | 7111476.047150001 Avoirs dans les banques locales | 6935.81 | 0 | 0 | 0 | 0 | 0 | 0 | -0.8753691096320072 | 55650.81 | 3.6235293091351384 | 12036.435 | 2.765639933862785 | 3196.385 | -0.8402271640088556 | 20005.81 Autres liquidités | 460325.98734 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5949902338945747 | 1136579.96884 | 1.6127093511605382 | 435019.67348 | 2.1510066019616536 | 138057.36656 | 0.9147039539038715 | 72103.76637 75648738.21526001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.054725059470611966 | 80028291.21112001 | 0.1431522739677196 | 70006676.30512 | 0.07848046417575176 | 64912326.76952 | 0.4945607714560513 | 43432376.929230005 Bons B.R.H. | 750000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.625 | 2000000 | 0 | 0 | 0 | 4950000 | 0.2222222222222222 | 4050000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 | 0 | 0 | 0 | 0 Autres Placements | 41095990.6223 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05289752665661494 | 39031329.81307 | 0.3405770391772633 | 29115320.248230003 | 0.3220581945914348 | 22022722.121720005 | 0.6743422578825986 | 13153058.77161 Portefeuille net | 31430373.118939996 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10607066896740472 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563 Immobilisations | 6326254.68509 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0011315611686944867 | 6319104.23212 | 0.5505054763234207 | 4075512.3594299997 | -0.0050411459993011404 | 4096161.708640001 | -0.09138800347761133 | 4508152.79164 Autres actifs | 5123895.3042399995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.22823911551483128 | 4171740.8601599997 | -0.44809829820846586 | 7558847.611119999 | 0.39589303363307704 | 5415062.206769999 | 0.45657762626258325 | 3717661.25549 160375251.94583 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03800012252976409 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001 PASSIF Dépôts À vue | 61893955.0141101 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07415926228903096 | 66851621.98321013 | 0.08647774222137691 | 61530595.04608671 | 0.14679247474448834 | 53654515.87899203 | 0.5612669443386832 | 34366010.2928259 Épargne | 45506718.089221254 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012804591782669433 | 46096970.985103056 | 0.069010465830524 | 43121159.669180505 | 0.19570708622336286 | 36063313.63760547 | 0.39713927027378887 | 25812253.94268559 À terme | 26006029.70703263 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0040534508120115345 | 26111872.899440005 | 0.057994363182156485 | 24680540.660824187 | 0.14111489811938238 | 21628444.86694462 | 0.35707010093208363 | 15937603.261680763 133406702.81036398 | 0 | 0 | 0 | 0 | 0 | 0 | -0.040656868378148324 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 | 0.4628523334855173 | 76115867.49719225 Obligations à vue Banques locales | 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 Autres | 10033753.00371 | 0 | 0 | 0 | 0 | 0 | 0 | -0.013577708744575057 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999 10033753.00371 | 0 | 0 | 0 | 0 | 0 | 0 | -0.013577708744575057 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999 Obligations à terme Banques locales | 2413368.7060100003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03320347042392104 | 2496252.96759 | -0.45758820846830206 | 4602136.24881 | -0.10249647121701491 | 5127708.24985 | 0.01859663166865685 | 5034091.11166 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 0.21369042802815752 | 0.49436 | -0.9992275395675808 | 639.981 | 0.4903585031074781 | 429.41413 Autres | -216411.30065999995 | 0 | 0 | 0 | 0 | 0 | 0 | -1.2633905666239336 | 821636.49 | -0.29662051672247025 | 1168126.89243 | 0.08539296864931611 | 1076224.85696 | 0.5298770499108929 | 703471.46983 2196957.4053500006 | 0 | 0 | 0 | 0 | 0 | 0 | -0.337845025839767 | 3317890.0575900003 | -0.42500199867471017 | 5770263.6356 | -0.06999828127793026 | 6204573.08781 | 0.0813143504811713 | 5737991.99562 Autres passifs | 3104581.2021899996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013411859571736738 | 3063494.0501900003 | -0.22650322736233205 | 3960577.67603 | 0.0710663277129354 | 3697789.3651900003 | 0.33736148892603396 | 2764988.6704599997 148741994.421614 | 0 | 0 | 0 | 0 | 0 | 0 | -0.044158827656839 | 155613713.5806632 | 0.05645709316692521 | 147297712.8812514 | 0.1607099495374973 | 126903119.02637212 | 0.41707340207627364 | 89552960.94079225 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 3314796.1687700003 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3625435953293959 | 2432800.08077 | 0.14124785359506264 | 2131701.77986 | 0.19234202733516198 | 1787827.4278599997 | 0.2203020077171425 | 1465069.6438699998 Réserves (Prov. Pour pertes sur prêts) | 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 BNR | 5318461.358069999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06096445014626496 | 5663748.682250003 | 0.2461001848213346 | 4545179.232969996 | -0.0877702705244162 | 4982494.086860002 | 0.3742160194515287 | 3625699.3197100074 11633257.52684 | 0 | 0 | 0 | 0 | 0 | 0 | 0.048367179316925496 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 | 0.20758874202197272 | 8090768.963580007 160375251.948454 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0380001225249662 | 166710262.3436832 | 0.06202066339582934 | 156974593.89408138 | 0.1485376622745187 | 136673440.54109213 | 0.39971548275494756 | 97643729.90437226 Hors-bilan Effets à l'encaissement | 2575.554328956 | 0 | 0 | 0 | 14643.749763997997 | 68846.26846022 | 52302.66995 | 19878.62198 Crédit documentaire | 1944633.033360545 | 0 | 0 | 0 | 2652074.614870218 | 2379243.015726165 | 1998847.9257 | 1163260.8931000002 Autres | 11271342.813461311 | 0 | 0 | 0 | 10656889.848709445 | 10341156.048350725 | 9109167.89706 | 7004151.97447 Portefeuille brut | 34128853.800799996 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10315218333955813 | 38054230.792337 | -0.11095362048337364 | 42803425.86067 | 0.15128625785624233 | 37178786.39529 | 0.23328433971867155 | 30146159.48482 Provisions pour créances douteuses | 2698480.68186 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0677002297418479 | 2894434.56702 | 0.02089669760544541 | 2835188.49048 | 0.4909343018476771 | 1901618.66084 | 0.394476414703613 | 1363679.32852 Portefeuille de crédit improductif | 1644375 | 0 | 0 | 0 | 0 | 0 | 0 | -0.34461097342931823 | 2509006 | 0.43681219724080034 | 1746231 | 1.1173391501935788 | 824729 | 0.12474446273417715 | 733259 [sogebkcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 5357187.066860001 | 0.03340407576519038 | 0 | 0 | 0 | 0 | 0 | 0 | 4569971.5394 | 0.027412658796197618 | 5143265.169060001 | 0.03412359613106029 | 5409199.95624 | 0.03957755021622773 | 4213513.0541900005 | 0.04315190599868453 Avoirs à la BRH | 61994508.13141 | 0.38655906930297396 | 0 | 0 | 0 | 0 | 0 | 0 | 67120772.75876 | 0.40261932178566157 | 57854305.92229 | 0.38384117964811126 | 49113854.972090006 | 0.35935185927598456 | 32015278.25152 | 0.3278784852125969 Avoirs à l'étranger | 7829781.2196499985 | 0.048821630049845015 | 0 | 0 | 0 | 0 | 0 | 0 | 7145316.13412 | 0.04455373286979138 | 6562049.10529 | 0.043536684596416776 | 10248018.089629998 | 0.0749817817496754 | 7111476.047150001 | 0.07283085205903234 Avoirs dans les banques locales | 6935.81 | 4.324738334529764e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 55650.81 | 0.0003338175419933387 | 12036.435 | 7.985714002624994e-05 | 3196.385 | 2.3387023750520083e-05 | 20005.81 | 0.00020488576193897665 Autres liquidités | 460325.98734 | 0.0028703056223131265 | 0 | 0 | 0 | 0 | 0 | 0 | 1136579.96884 | 0.006817696480554988 | 435019.67348 | 0.0028861890567486045 | 138057.36656 | 0.0010101257860592441 | 72103.76637 | 0.0007384372395512808 75648738.21526001 | 0.47169832812366785 | 0 | 0 | 0 | 0 | 0 | 0 | 80028291.21112001 | 0.4800441801659885 | 70006676.30512 | 0.4644675065723632 | 64912326.76952 | 0.4749447040516974 | 43432376.929230005 | 0.44480456627180404 Bons B.R.H. | 750000 | 0.004676532014137242 | 0 | 0 | 0 | 0 | 0 | 0 | 2000000 | 0.011996861932228434 | 0 | 0 | 4950000 | 0.03621771706633413 | 4050000 | 0.041477317631870715 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 41095990.6223 | 0.2562489543971598 | 0 | 0 | 0 | 0 | 0 | 0 | 39031329.81307 | 0.23412673739933612 | 29115320.248230003 | 0.1931690077645095 | 22022722.121720005 | 0.16113388259291975 | 13153058.77161 | 0.1347045917285756 Portefeuille net | 31430373.118939996 | 0.19598019480933532 | 0 | 0 | 0 | 0 | 0 | 0 | 35159796.225317 | 0.21090361044020725 | 39968237.37019 | 0.2651739595880058 | 35277167.734450005 | 0.25811282422382253 | 28782480.1563 | 0.2947703880681163 Immobilisations | 6326254.68509 | 0.03944657675254547 | 0 | 0 | 0 | 0 | 0 | 0 | 6319104.23212 | 0.03790471050405201 | 4075512.3594299997 | 0.027039464855309215 | 4096161.708640001 | 0.029970429458883903 | 4508152.79164 | 0.04616940377082888 Autres actifs | 5123895.3042399995 | 0.03194941390315446 | 0 | 0 | 0 | 0 | 0 | 0 | 4171740.8601599997 | 0.0260123729162969 | 7558847.611119999 | 0.05015006121981256 | 5415062.206769999 | 0.03376494902467275 | 3717661.25549 | 0.038073732528804444 160375251.94583 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 166710262.341787 | 1 | 150724593.89408997 | 1 | 136673440.5411 | 0.8522102935636493 | 97643729.90427001 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 61893955.0141101 | 0.38593208280674157 | 0 | 0 | 0 | 0 | 0 | 0 | 66851621.98321013 | 0.4010048394390496 | 61530595.04608671 | 0.40823195111291904 | 53654515.87899203 | 0.39257456069423535 | 34366010.2928259 | 0.3519530678162168 Épargne | 45506718.089221254 | 0.2837514986700821 | 0 | 0 | 0 | 0 | 0 | 0 | 46096970.985103056 | 0.27650949820111076 | 43121159.669180505 | 0.28609239245640666 | 36063313.63760547 | 0.2638648262224776 | 25812253.94268559 | 0.26435137174698203 À terme | 26006029.70703263 | 0.162157373980723 | 0 | 0 | 0 | 0 | 0 | 0 | 26111872.899440005 | 0.15663026698323954 | 24680540.660824187 | 0.16374594233882311 | 21628444.86694462 | 0.15824907005571856 | 15937603.261680763 | 0.16322198340135105 133406702.81036398 | 0.8318409554575467 | 0 | 0 | 0 | 0 | 0 | 0 | 139060465.8677532 | 0.8341446046233999 | 129332295.37609139 | 0.8580702859081487 | 111346274.38354212 | 0.8146884569724315 | 76115867.49719225 | 0.7795264229645499 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 | 10033753.00371 | 0.06256422285839404 | 0 | 0 | 0 | 0 | 0 | 0 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.054633261770910525 | 5654482.18983 | 0.04137220931472492 | 4934112.777519999 | 0.05053179330979477 10033753.00371 | 0.06256422285839404 | 0 | 0 | 0 | 0 | 0 | 0 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.054633261770910525 | 5654482.18983 | 0.04137220931472492 | 4934112.777519999 | 0.05053179330979477 Obligations à terme | 0 Banques locales | 2413368.7060100003 | 0.015048261354096983 | 0 | 0 | 0 | 0 | 0 | 0 | 2496252.96759 | 0.014973601100046365 | 4602136.24881 | 0.030533412828723856 | 5127708.24985 | 0.037517956887227207 | 5034091.11166 | 0.05155570272249357 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 3.59905857966853e-09 | 0.49436 | 3.2798894143803316e-09 | 639.981 | 4.682555714309006e-06 | 429.41413 | 4.397764510030474e-06 Autres | -216411.30065999995 | -0.0013494058343434265 | 0 | 0 | 0 | 0 | 0 | 0 | 821636.49 | 0.004928529764505394 | 1168126.89243 | 0.007750074903176125 | 1076224.85696 | 0.007874425731138019 | 703471.46983 | 0.00720447150595009 2196957.4053500006 | 0.013698855519753557 | 0 | 0 | 0 | 0 | 0 | 0 | 3317890.0575900003 | 0.01990213446361034 | 5770263.6356 | 0.03828349101178939 | 6204573.08781 | 0.045397065174079536 | 5737991.99562 | 0.05876457199295369 0 Autres passifs | 3104581.2021899996 | 0.01935823117670696 | 0 | 0 | 0 | 0 | 0 | 0 | 3063494.0501900003 | 0.01837615757516636 | 3960577.67603 | 0.026276917215069688 | 3697789.3651900003 | 0.027055654343303176 | 2764988.6704599997 | 0.028317114403257605 148741994.421614 | 0.9274622650124013 | 0 | 0 | 0 | 0 | 0 | 0 | 155613713.5806632 | 0.9334381182942786 | 147297712.8812514 | 0.9772639559059184 | 126903119.02637212 | 0.9285133858045391 | 89552960.94079225 | 0.9171399026705559 AVOIR DES ACTIONNAIRES | 0 Capital versé | 3000000 | 0.01870612805654897 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0.01799529289834265 | 3000000 | 0.019903851936121437 | 3000000 | 0.021950131555354017 | 3000000 | 0.030723938986570897 Réserves | 3314796.1687700003 | 0.020669000538123178 | 0 | 0 | 0 | 0 | 0 | 0 | 2432800.08077 | 0.014592983338855935 | 2131701.77986 | 0.014143025532766659 | 1787827.4278599997 | 0.013081015746599062 | 1465069.6438699998 | 0.015004236783113009 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 | 5318461.358069999 | 0.033162606409288246 | 0 | 0 | 0 | 0 | 0 | 0 | 5663748.682250003 | 0.03397360547989701 | 4545179.232969996 | 0.0301555248253896 | 4982494.086860002 | 0.036455466893450174 | 3625699.3197100074 | 0.037131921560807295 11633257.52684 | 0.0725377350039604 | 0 | 0 | 0 | 0 | 0 | 0 | 11096548.763020003 | 0.0665618817170956 | 9676881.012829997 | 0.0642024022942777 | 9770321.51472 | 0.07148661419540324 | 8090768.963580007 | 0.0828600973304912 160375251.948454 | 1.0000000000163616 | 0 | 0 | 0 | 0 | 0 | 0 | 166710262.3436832 | 1.0000000000113742 | 156974593.89408138 | 1.041466358200196 | 136673440.54109213 | 0.9999999999999424 | 97643729.90437226 | 1.0000000000010472 [sogebkgdes&$ ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 2312729.23785 | 3044457.8290100005 | 5357187.066860001 | 0.4317058950875046 | 1112496.6011 | 3457474.9383 | 4569971.5394 | 0.24343622088422498 Avoirs à la BRH | 42027930.504540004 | 19966577.626870003 | 61994508.13141 | 0.6779298968781756 | 46367082.56153 | 20753690.19723 | 67120772.75876 | 0.6908007857445083 Avoirs à l'étranger | 7829781.2196499985 | 0 | 7829781.2196499985 | 1 | 7145316.13412 | 0 | 7145316.13412 | 1 Avoirs dans les banques locales | 0 | 6935.81 | 6935.81 | 0 | 0 | 55650.81 | 55650.81 | 0 Autres liquidités | 155793.49558 | 304532.49176 | 460325.98734 | 0.3384416693053869 | 484176.81204000005 | 652403.1568 | 1136579.96884 | 0.4259944969240956 52326234.45762001 | 23322503.75764 | 75648738.21526001 | 0.691700029532874 | 55109072.10879 | 24919219.10233 | 80028291.21112001 | 0.6886198777305962 Bons B.R.H. | 0 | 750000 | 750000 | 0 | 0 | 2000000 | 2000000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 30738441.37258 | 10357549.24972 | 41095990.6223 | 0.7479669161667644 | 30570659.677270006 | 8460670.1358 | 39031329.81307001 | 0.783233874522849 Portefeuille net | 16951770.07994 | 14478603.039 | 31430373.11894 | 0.5393435838572604 | 20524238.2828 | 14635557.942517 | 35159796.225317 | 0.5837416733382946 Immobilisations | 0 | 6326254.68509 | 6326254.68509 | 0 | 0 | 6319104.23212 | 6319104.23212 | 0 Autres actifs | 914985.4949200001 | 4208909.80932 | 5123895.30424 | 0.17857224642409333 | 996799.9065599998 | 3174940.96 | 4171740.8601599997 | 0.23894099369388186 | #REF! 100931431.40506001 | 59443820.54077 | 160375251.94583002 | 0.6293454269312801 | 107200769.97542001 | 59509492.372767 | 166710262.34818703 | 0.6430364181871604 | #REF! #REF! PASSIF | #REF! Dépôts | #REF! À vue | 40325951.52991011 | 21568003.484199993 | 61893955.0141101 | 0.6515329569861372 | 44829450.06945013 | 22022171.913760003 | 66851621.98321013 | 0.6705813372891551 Épargne | 31354310.81735126 | 14152407.271869995 | 45506718.089221254 | 0.6890040005934389 | 32155449.551793054 | 13941521.433310006 | 46096970.985103056 | 0.6975610081231711 À terme | 21226909.841112625 | 4779119.865920002 | 26006029.70703263 | 0.816230315824502 | 21530661.472250003 | 4581211.427190002 | 26111872.899440005 | 0.8245544681979419 92907172.188374 | 40499530.62198999 | 133406702.81036398 | 0.6964205713144745 | 98515561.09349318 | 40544904.774260014 | 139060465.8677532 | 0.7084368693772513 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 | 5649516.72002 | 4384236.28369 | 10033753.00371 | 0.5630512050606667 | 5948146.35 | 4223717.2 | 10171863.60513 | 0.5847646587593012 5649516.72002 | 4384236.28369 | 10033753.00371 | 0.5630512050606667 | 5948146.35 | 4223717.2 | 10171863.55 | 0.5847646619286393 Obligations à terme Banques locales | 0 | 2413368.7060100003 | 2413368.7060100003 | 0 | 0 | 2496252.96759 | 2496252.96759 | 0 Banque à l'étranger | 0 | 0 | 0 | - | 0.64 | 0 | 0.56388 | - Autres | 567483.60908 | -783894.90974 | -216411.30066000007 | -2.6222457300026276 | 685342.2 | 136294.32446999988 | 821636.5269099999 | 0.8341184666867552 567483.60908 | 1629473.7962700003 | 2196957.40535 | 0.2583043292956303 | 685342.84 | 2632547.29206 | 3317890.1320599997 | 0.206559835534544 Autres passifs | 1769503.3111299998 | 1335077.8910599998 | 3104581.2021899996 | 0.5699652210358602 | 2016529.85 | 1046964.15 | 3063494.05019 | 0.65824506820078 100893675.828604 | 47848318.593009986 | 148741994.421614 | 0.678313318447362 | 107165580.13349317 | 48448133.41632002 | 155613713.54981318 | 0.6886641137780484 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 3314796.1687700003 | 3314796.1687700003 | 0 | 0 | 2432800.08077 | 2432800.08077 | 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 | 5318461.358069999 | 5318461.358069999 | 0 | 0 | 5663748.682250003 | 5663748.682250003 | 0 0 | 11633257.52684 | 11633257.52684 | 0 | 0 | 11096548.763020003 | 11096548.763020003 | 0 100893675.828604 | 59481576.11984999 | 160375251.948454 | 0.6291100067049753 | 107165580.13349317 | 59544682.17934002 | 166710262.3128332 | 0.6428253344859842 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes [SOGEBKRÉSULT] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 | 1085090.2615699999 | 0 | 0 | 0 | 0 | 0 | 0 | 1309329.0466200002 | -0.06769915778529718 | 1220688.5729 | -0.10570052490412735 | 1091661.15 | 0.36995387712569994 | 1495525.4249500001 Intérêts sur bons B.R.H. | 167712.97251999998 | 0 | 0 | 0 | 0 | 0 | 0 | 194422.71977000003 | -0.1831240610774225 | 158819.24175999995 | -0.8068423139410406 | 30677.15724000004 | 1.866157016183807 | 87925.54946 Autres | 217371.04896 | 0 | 0 | 0 | 0 | 0 | 0 | 165321.02375999998 | 0.1551656950615053 | 190973.17532 | 0.0077498151639364 | 192453.18213000003 | 0.007933985102769221 | 193980.10280999998 1470174.28305 | 0 | 0 | 0 | 0 | 0 | 0 | 1669072.7901500002 | -0.05906980255854505 | 1570480.9899799998 | -0.1628096756607388 | 1314791.48937 | 0.3518729711824344 | 1777431.07722 Dépenses d'intérêt | 239481.35226 | 0 | 0 | 0 | 0 | 0 | 0 | 230007.14439 | 0.10175364400992722 | 253411.20948 | -0.17682226536840098 | 208602.46534999998 | 0.10931090187137164 | 231404.98897000003 1230692.93079 | 0 | 0 | 0 | 0 | 0 | 0 | 1439065.6457600002 | -0.08477435731958691 | 1317069.7804999999 | -0.1601135790997672 | 1106189.0240200001 | 0.3976147427603183 | 1546026.08825 AUTRES REVENUS Commissions | 507542.17510999995 | 0 | 0 | 0 | 0 | 0 | 0 | 489751.1184899999 | 0.1648579158510873 | 570490.4671700002 | 0.008426232192530725 | 575297.5523099999 | -0.07261493752625821 | 533522.35649 Gains sur change | 297868.8237400001 | 0 | 0 | 0 | 0 | 0 | 0 | 357911.0181 | 0.015360465093209421 | 363408.6978000001 | -0.12660429141770504 | 317399.59712000017 | -0.25088589419316115 | 237768.51537999982 Autres | 170658.62679999997 | 0 | 0 | 0 | 0 | 0 | 0 | 267091.10519000003 | -0.9239922008800765 | 20301.007069999876 | -4.302130709025972 | -67036.57886999997 | 4.54988755111572 | 237972.31680000003 976069.6256500001 | 0 | 0 | 0 | 0 | 0 | 0 | 1114753.2417799998 | -0.14402565852478175 | 954200.1720400001 | -0.13470926252842005 | 825660.5705600001 | 0.22237057776111588 | 1009263.18867 PRODUIT NET BANCAIRE | 2206762.55644 | 0 | 0 | 0 | 0 | 0 | 0 | 2553818.88754 | -0.11063781240656774 | 2271269.95254 | -0.14944078205253414 | 1931849.5945800003 | 0.32271647031379824 | 2555289.27692 Dotation à la provision pour créances douteuses | 352491.31236999994 | 0 | 0 | 0 | 0 | 0 | 0 | 569231.02598 | -0.27958809475643703 | 410080.80794999993 | -0.17760719960071908 | 337247.50404000015 | 0.5271420038112843 | 515024.82910000003 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1854271.24407 | 0 | 0 | 0 | 0 | 0 | 0 | 1984587.86156 | -0.06217851039006228 | 1861189.1445900002 | -0.1432347995500082 | 1594602.0905400002 | 0.2794818594079979 | 2040264.4478200001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 585122.31048 | 0 | 0 | 0 | 0 | 0 | 0 | 556438.3441400001 | 0.09942979967620573 | 611764.8972299999 | 0.009622186017297774 | 617651.41287 | -0.038571722550263685 | 593827.53394 Frais de locaux | 61009.85541999999 | 0 | 0 | 0 | 0 | 0 | 0 | 61318.62551999999 | 0.060235626918860107 | 65012.19137 | -0.018192123124552366 | 63829.48158 | -0.06323316076038239 | 59793.34170999999 Amortissement | 96454.70368 | 0 | 0 | 0 | 0 | 0 | 0 | 85470.76072 | 0.04222807460230599 | 89080.02638000001 | 0.07011037337773156 | 95325.46028999999 | -0.004591539539053492 | 94887.76966999998 Autres dépenses d'exploitation | 668578.92657 | 0 | 0 | 0 | 0 | 0 | 0 | 551255.3943 | 0.21126176141619962 | 667714.5798899997 | 0.08143807735778172 | 722091.9715000002 | -0.012536467870145973 | 713039.4887000001 1411165.79615 | 0 | 0 | 0 | 0 | 0 | 0 | 1254483.1246800001 | 0.14275885156739948 | 1433571.6948699998 | 0.04556914146935954 | 1498898.3262400003 | -0.024918429466589374 | 1461548.13402 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 443105.44791999995 | 0 | 0 | 0 | 0 | 0 | 0 | 730104.73688 | -0.41430670406637343 | 427617.4497200004 | -0.7761930333697425 | 95703.76429999992 | 5.046954558505288 | 578716.3138000001 Impôts sur le revenu | 141850 | 0 | 0 | 0 | 0 | 0 | 0 | 167000 | -0.05389221556886228 | 158000 | -0.529620253164557 | 74320 | 0.7283684888320776 | 128452.34609 BÉNÉFICE NET (PERTE NETTE) | 301255.44791999995 | 0 | 0 | 0 | 0 | 0 | 0 | 563104.73688 | -0.5211948469588935 | 269617.4497200004 | -0.9206885002353998 | 21383.764299999923 | 20.056347301302875 | 450263.9677100001 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 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 | 1085090.2615699999 | -0.17126236191648467 | 1309329.0466200002 | 0 | 0 | 1220688.5729 | 0 | 0 | 1091661.15 | 0 | 0 | 1495525.4249500001 | 1085090.2615699999 | -0.17126236191648467 | 1309329.0466200002 | 5117204.19447 Intérêts sur Bons B.R.H. | 167712.97251999998 | -0.13737976344327138 | 194422.71977000003 | 0 | 0 | 158819.24175999995 | 0 | 0 | 30677.15724000004 | 0 | 0 | 87925.54946 | 167712.97251999998 | -0.13737976344327138 | 194422.71977000003 | 471844.66823 Autres | 217371.04896 | 0.3148421417687452 | 165321.02375999998 | 0 | 0 | 190973.17532 | 0 | 0 | 192453.18213000003 | 0 | 0 | 193980.10280999998 | 217371.04896 | 0.3148421417687452 | 165321.02375999998 | 742727.48402 1470174.28305 | -0.11916706585464447 | 1669072.7901500002 | 0 | 0 | 1570480.9899799998 | 0 | 0 | 1314791.48937 | 0 | 0 | 1777431.07722 | 1470174.28305 | -0.11916706585464447 | 1669072.7901500002 | 6331776.346720001 Dépenses d'intérêt | 239481.35226 | 0.041190928634527765 | 230007.14439 | 0 | 0 | 253411.20948 | 0 | 0 | 208602.46534999998 | 0 | 0 | 231404.98897000003 | 239481.35226 | 0.041190928634527765 | 230007.14439 | 923425.80819 1230692.93079 | -0.14479722699512737 | 1439065.6457600002 | 0 | 0 | 1317069.7804999999 | 0 | 0 | 1106189.0240200001 | 0 | 0 | 1546026.08825 | 1230692.93079 | -0.14479722699512737 | 1439065.6457600002 | 5408350.5385300005 0 AUTRES REVENUS | 0 Commissions | 507542.17510999995 | 0.03632672994163528 | 489751.1184899999 | 0 | 0 | 570490.4671700002 | 0 | 0 | 575297.5523099999 | 0 | 0 | 533522.35649 | 507542.17510999995 | 0.03632672994163528 | 489751.1184899999 | 2169061.49446 Gains sur change | 297868.8237400001 | -0.16775732325520132 | 357911.0181 | 0 | 0 | 363408.6978000001 | 0 | 0 | 317399.59712000017 | 0 | 0 | 237768.51537999982 | 297868.8237400001 | -0.16775732325520132 | 357911.0181 | 1276487.8284 Autres | 170658.62679999997 | -0.3610471352889161 | 267091.10519000003 | 0 | 0 | 20301.007069999876 | 0 | 0 | -67036.57886999997 | 0 | 0 | 237972.31680000003 | 170658.62679999997 | -0.3610471352889161 | 267091.10519000003 | 458327.85018999997 976069.6256500001 | -0.1244074571234747 | 1114753.2417799998 | 0 | 0 | 954200.1720400001 | 0 | 0 | 825660.5705600001 | 0 | 0 | 1009263.18867 | 976069.6256500001 | -0.1244074571234747 | 1114753.2417799998 | 3903877.1730500003 0 PRODUIT NET BANCAIRE | 2206762.55644 | -0.13589700224760523 | 2553818.88754 | 0 | 0 | 2271269.95254 | 0 | 0 | 1931849.5945800003 | 0 | 0 | 2555289.27692 | 2206762.55644 | -0.13589700224760523 | 2553818.88754 | 9312227.71158 Dotation à la provision pour créances douteuses | 352491.31236999994 | -0.3807587846021859 | 569231.02598 | 0 | 0 | 410080.80794999993 | 0 | 0 | 337247.50404000015 | 0 | 0 | 515024.82910000003 | 352491.31236999994 | -0.3807587846021859 | 569231.02598 | 1831584.1670700002 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 1854271.24407 | -0.06566432255993128 | 1984587.86156 | 0 | 0 | 1861189.1445900002 | 0 | 0 | 1594602.0905400002 | 0 | 0 | 2040264.4478200001 | 1854271.24407 | -0.06566432255993128 | 1984587.86156 | 7480643.54451 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 585122.31048 | 0.05154922668805698 | 556438.3441400001 | 0 | 0 | 611764.8972299999 | 0 | 0 | 617651.41287 | 0 | 0 | 593827.53394 | 585122.31048 | 0.05154922668805698 | 556438.3441400001 | 2379682.18818 Frais de locaux | 61009.85541999999 | -0.0050355026287939916 | 61318.62551999999 | 0 | 0 | 65012.19137 | 0 | 0 | 63829.48158 | 0 | 0 | 59793.34170999999 | 61009.85541999999 | -0.0050355026287939916 | 61318.62551999999 | 249953.64018 Amortissement | 96454.70368 | 0.1285111173396843 | 85470.76072 | 0 | 0 | 89080.02638000001 | 0 | 0 | 95325.46028999999 | 0 | 0 | 94887.76966999998 | 96454.70368 | 0.1285111173396843 | 85470.76072 | 364764.01706 Autres dépenses d'exploitation | 668578.92657 | 0.2128297219095348 | 551255.3943 | 0 | 0 | 667714.5798899997 | 0 | 0 | 722091.9715000002 | 0 | 0 | 713039.4887000001 | 668578.92657 | 0.2128297219095348 | 551255.3943 | 2654101.43439 1411165.79615 | 0.12489818985007659 | 1254483.1246800001 | 0 | 0 | 1433571.6948699998 | 0 | 0 | 1498898.3262400003 | 0 | 0 | 1461548.13402 | 1411165.79615 | 0.12489818985007659 | 1254483.1246800001 | 5648501.27981 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 443105.44791999995 | -0.3930933117712003 | 730104.73688 | 0 | 0 | 427617.4497200004 | 0 | 0 | 95703.76429999992 | 0 | 0 | 578716.3138000001 | 443105.44791999995 | -0.3930933117712003 | 730104.73688 | 1832142.2647000002 0 Impôts sur le revenu | 141850 | -0.1505988023952096 | 167000 | 0 | 0 | 158000 | 0 | 0 | 74320 | 0 | 0 | 128452.34609 | 141850 | -0.1505988023952096 | 167000 | 527772.34609 0 BÉNÉFICE NET (PERTE NETTE) | 301255.44791999995 | -0.4650099205537339 | 563104.73688 | 0 | 0 | 269617.4497200004 | 0 | 0 | 21383.764299999923 | 0 | 0 | 450263.9677100001 | 301255.44791999995 | -0.4650099205537339 | 563104.73688 | 1304369.91861 Com /sal | #DIV/0! | 0.9325322027352575 | #DIV/0! | 0.931427566297959 | #DIV/0! | 0.8984466465374555 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1085090.2615699999 | -0.17126236191648467 | 1309329.0466200002 | 5117204.19447 | 0.12516607497021137 | 4547954.571599999 | 0.1963299682614181 | 3801588.7692 | 0.142798687902863 | 3326560.3202400003 Intérêts sur Bons B.R.H. | 167712.97251999998 | -0.13737976344327138 | 194422.71977000003 | 471844.66823 | -0.23423723973820934 | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001 | 2.4027005155722354 | 155136.43406 Autres | 217371.04896 | 0.3148421417687452 | 165321.02375999998 | 742727.48402 | 0.8064466403339867 | 411153.84614000004 | 0.6260388535978539 | 252856.10194999998 | -0.4998660168645743 | 505576.72639 1470174.28305 | -0.11916706585464447 | 1669072.7901500002 | 6331776.346720001 | 0.13568668831461464 | 5575284.461699999 | 0.21669265762164655 | 4582327.69531 | 0.14923837492005332 | 3987273.48069 Dépenses d'intérêt | 239481.35226 | 0.041190928634527765 | 230007.14439 | 923425.80819 | 0.22430511931538233 | 754244.83131 | 0.0440436856512934 | 722426.5054 | -0.2535916732169889 | 967870.37266 1230692.93079 | -0.14479722699512737 | 1439065.6457600002 | 5408350.5385300005 | 0.12182246012619714 | 4821039.630389999 | 0.24900597015085998 | 3859901.18991 | 0.2783656410913547 | 3019403.1080300002 AUTRES REVENUS Commissions | 507542.17510999995 | 0.03632672994163528 | 489751.1184899999 | 2169061.49446 | 0.12239130107168697 | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954 | 0.07661116970075371 | 1550792.66919 Gains sur change | 297868.8237400001 | -0.16775732325520132 | 357911.0181 | 1276487.8284 | 0.050891536017939554 | 1214671.3382400002 | 0.5097726482112807 | 804539.23952 | 0.6220414220540942 | 496004.12701 Autres | 170658.62679999997 | -0.3610471352889161 | 267091.10519000003 | 458327.85018999997 | 0.20210398086165654 | 381271.38541000005 | -0.596203500193514 | 944216.6675360462 | 1.0943075552897912 | 450849.0957553721 976069.6256500001 | -0.1244074571234747 | 1114753.2417799998 | 3903877.1730500003 | 0.10639104790193651 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 | 0.368631409122557 | 2497645.891955372 PRODUIT NET BANCAIRE | 2206762.55644 | -0.13589700224760523 | 2553818.88754 | 9312227.71158 | 0.11530119667134757 | 8349518.264099998 | 0.1471863852687864 | 7278257.806506047 | 0.3192302273417082 | 5517048.999985373 Dotation à la provision pour créances douteuses | 352491.31236999994 | -0.3807587846021859 | 569231.02598 | 1831584.1670700002 | 0.008674006458312011 | 1815833.61457 | 0.5866166393687933 | 1144469.03525 | 1.6470383959393213 | 432358.30542 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1854271.24407 | -0.06566432255993128 | 1984587.86156 | 7480643.54451 | 0.1449348944394067 | 6533684.649529998 | 0.06519557376151089 | 6133788.771256047 | 0.20632485626155658 | 5084690.694565373 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 585122.31048 | 0.05154922668805698 | 556438.3441400001 | 2379682.18818 | 0.1564445703129447 | 2057757.24083 | 0.15890020995434195 | 1775612.10461 | -0.14814908981232955 | 2084416.51394 Frais de locaux | 61009.85541999999 | -0.0050355026287939916 | 61318.62551999999 | 249953.64018 | 0.09985463617128768 | 227260.61422999998 | 0.002558125003360841 | 226680.73657 | 0.1621685017225463 | 195049.80236000003 Amortissement | 96454.70368 | 0.1285111173396843 | 85470.76072 | 364764.01706 | 0.05529706642941423 | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995 | 0.15582726314654727 | 283942.15489999996 Autres dépenses d'exploitation | 668578.92657 | 0.2128297219095348 | 551255.3943 | 2654101.43439 | 0.43921848898543975 | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998 | 0.08671126649233586 | 1578642.65484 1411165.79615 | 0.12489818985007659 | 1254483.1246800001 | 5648501.27981 | 0.26229267984407784 | 4474795.24361 | 0.10597739337652429 | 4046009.68375 | -0.0231869282554753 | 4142051.12604 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 443105.44791999995 | -0.3930933117712003 | 730104.73688 | 1832142.2647000002 | -0.11013080186241361 | 2058889.405919998 | -0.01383751842277509 | 2087779.0875060475 | 1.2148222472477843 | 942639.5685253725 Impôts sur le revenu | 141850 | -0.1505988023952096 | 167000 | 527772.34609 | 0.0534378165469062 | 501000 | 0.2715736040609137 | 394000 | 0.6554621848739496 | 238000 BÉNÉFICE NET (PERTE NETTE) | 301255.44791999995 | -0.4650099205537339 | 563104.73688 | 1304369.91861 | -0.1627326601918088 | 1557889.405919998 | -0.08022869250684636 | 1693779.0875060475 | 1.4037524475820835 | 704639.5685253725 [sgbelinfin] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) INDICATEURS FINANCIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 11768408.93231563 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04359391170453971 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 | 0.30251728040532055 | 7737938.365479999 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 4874167.84484563 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03780055466339395 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 | 0.16623299565032765 | 4134099.53656 Dépôts | 8031286.619789716 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04745505183917952 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 | 0.505870701371239 | 4375153.64703 Avoir des Actionnaires | 1107214.2859399999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.037114422980480725 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 | -0.01998971053553195 | 877273.58677 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 118978.06519000005 | 0.11712943292154256 | 106503.384195013 | 0 | 0 | 152068.55371498704 | 0 | 0 | 153624.84934000002 | 0 | 0.010234171279946877 | 151784.27955404195 | 118978.06519000005 | 0.11712943292154256 | 106503.384195013 Autres revenus | 17599.53428 | -0.0836110599004494 | 19205.31066 | 0 | 0 | 23916.04149 | 0 | 0 | 21326.962419999996 | 0 | -0.10825700695838705 | 22748.118609999998 | 17599.53428 | -0.0836110599004494 | 19205.31066 Dot. à la prov. pr créances douteuses | -1821.4077999999997 | 0.6283496641234164 | -4900.864129999998 | 0 | 0 | 13499.999999999998 | 0 | 0 | 12500 | 0 | -0.07407407407407395 | 15221.4078 | -1821.4077999999997 | 0.6283496641234164 | -4900.864129999998 Dépenses d'exploitation | 96129.11805000002 | 0.1826210080266244 | 81284.80502 | 0 | 0 | 97347.92853999994 | 0 | 0 | 92605.35342 | 0 | -0.04871778158126115 | 106483.99506999999 | 96129.11805000002 | 0.1826210080266244 | 81284.80502 Bénéfice (perte) net | 30857.019130600005 | -0.143028888667878 | 36007.07039311301 | 0 | 0 | 47549.766666787065 | 0 | 0 | 50987.914588200045 | 0 | 0.07230630479233212 | 39835.51451774192 | 30857.019130600005 | -0.143028888667878 | 36007.07039311301 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.0940836006216294 | 0.07701086267678488 | 0 | 0.07506085268247523 | 0 | 0.08309150107589461 | 0 | 0.08676200663056292 | 0.0940836006216294 | 0.07506085268247523 | 0.08676200663056292 | 0.08103751267768017 | 0.0853015512901374 | 0.11337303882952046 Dépôts en % de l'actif | 0.6824445569473788 | 0.7161010027760055 | 0 | 0.7110262704551453 | 0 | 0.6965765528587556 | 0 | 0.6852108453766899 | 0.6824445569473788 | 0.7110262704551453 | 0.6852108453766899 | 0.6827486357956529 | 0.6536905895142436 | 0.5654159338549604 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.06359950072111291 | 0.08703761573150567 | 0 | 0.0759143930602332 | 0 | 0.05118964028293402 | 0 | 0.04144079780893058 | 0.06359950072111291 | 0.0759143930602332 | 0.04144079780893058 | 0.07124213430332414 | 0.041209673197505875 | 0.10797350993144256 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.7831848438638832 | 0.4867342616756395 | 0 | 0.5847376336200403 | 0 | 0.910036517544946 | 0 | 1.2126331430000805 | 0.7831848438638832 | 0.5847376336200403 | 1.2126331430000805 | 0.5907699247156862 | 1.0065933566073082 | 0.4099381920533815 Prêts improductifs nets en % de l'avoir des actionnaires | 0.06388542134817897 | 0.25916030487280994 | 0 | 0.1905250079894646 | 0 | 0.02469706164942791 | 0 | -0.044023165949195725 | 0.06388542134817897 | 0.1905250079894646 | -0.044023165949195725 | 0.16164521078016045 | -0.0015896654962255787 | 0.3141390730281408 Rentabilité ROA (rendement de l'actif) | 0.01025438295130314 | 0.011638508897102141 | 0 | 0.014622817743859819 | 0 | 0.016070589454774867 | 0 | 0.012915897586303501 | 0.01025438295130314 | 0.011638508897102141 | 0.014498990890740644 | 0.014647318005265836 | 0.013230792433120487 | 0.018926296875654385 ROE (rendement avoir des action.) | 0.11350723026402189 | 0.1474678121376334 | 0 | 0.19231589927285853 | 0 | 0.20349140539605795 | 0 | 0.15209133262978494 | 0.11350723026402189 | 0.1474678121376334 | 0.1726772101096658 | 0.1764601706585961 | 0.1357098966561243 | 0.19215134776134005 Revenus nets d'intérêt en % des revenus d'intérêt | 0.725741779692905 | 0.7205542261597033 | 0 | 0.7701144708119058 | 0 | 0.757935132688404 | 0 | 0.7650861255528165 | 0.725741779692905 | 0.7205542261597033 | 0.7556552986673709 | 0.7168337269853914 | 0.7220485329128635 | 0.7041521584010543 Rendement moyen des prêts | 0.09375333962499925 | 0.08559285852387816 | 0 | 0.10546866632077467 | 0 | 0.11799940378443283 | 0 | 0.11807206520743865 | 0.09375333962499925 | 0.08559285852387816 | 0.11334752155150182 | 0.09780828444250475 | 0.11328782114511048 | 0.13074904120467093 Rendement moyen des prêts productifs | 0.09892766550230428 | 0.09298688287589536 | 0 | 0.11481843130506011 | 0 | 0.13293486961815418 | 0 | 0.1238165638274608 | 0.09892766550230428 | 0.09298688287589536 | 0.12010521392894835 | 0.10367512754125206 | 0.12208767337087792 | 0.1492995192767712 Rémunération moyenne des dépôts | 0.021849108930086233 | 0.01906511564790731 | 0 | 0.01956349508823465 | 0 | 0.023591558021182842 | 0 | 0.02187050337813616 | 0.021849108930086233 | 0.01906511564790731 | 0.02216781397960733 | 0.022143966999330952 | 0.028342112403161347 | 0.037619099417430135 Dépenses d'exploitation en % du produit net bancaire | 0.7038424926418132 | 0.6466124329247901 | 0 | 0.5531616470555787 | 0 | 0.5293192021757203 | 0 | 0.6101101926641512 | 0.7038424926418132 | 0.6466124329247901 | 0.5800600943049423 | 0.561752816471301 | 0.5871313365281908 | 0.49087972928381 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 7333.025474899331 | 6573.0036525497 | 0 | 9577.392936325825 | 0 | 9652.513752275863 | 0 | 9308.394568748905 | 7333.025474899331 | 6573.0036525497 | 11349.498910397248 | 6817.405090793831 | 6494.667963108108 | 7456.544110000001 [sgbelvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 65066.689060000004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5976014008110627 | 40727.73661 | -0.5577484217499984 | 92091.78353 | 0.0432914988171993 | 88270.42455 | 0.9346251274504883 | 45626.62983 Avoirs à la BRH | 1805564.3634399998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08690057886310205 | 1977401.7173199998 | 0.0033229180410082426 | 1970852.73521 | 0.40804491784300745 | 1399708.7097399998 | 0.43823514391065455 | 973212.7014599999 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 177538.28236 | 0 | 0 | 0 | 0 | 0 | 0 | -0.28272884250438485 | 247519.05956999998 | -0.07051049648727735 | 266295.70171 | 0.6774874694783214 | 158746.76059 | 0.21999445720961408 | 130120.88674000002 Autres liquidités | 39892.510129999995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13340796380251507 | 35196.95591 | 0.29717943647048545 | 27133.451950000002 | -0.437785598237088 | 48261.75186 | -0.32333082732641344 | 71322.52186000001 2088061.84499 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09248062386152495 | 2300845.46941 | -0.023565109235600935 | 2356373.6724 | 0.3902010890356963 | 1694987.64674 | 0.3890122275209691 | 1220282.7398899999 Bons B.R.H. | 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 Autres Placements | 2679722.57465 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02558552919608504 | 2750084.95352 | 0.18139273896253613 | 2327832.95751 | 0.3553199920052403 | 1717552.29115 | 1.3053651725369102 | 745023.96046 Portefeuille net | 4874167.84484563 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03780055466339395 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 | 0.16623299565032765 | 4134099.53656 Immobilisations | 577804.8826 | 0 | 0 | 0 | 0 | 0 | 0 | -0.058939479914479065 | 613993.33015 | 0.10877876631930045 | 553756.39289 | -0.14263476851908946 | 645881.5596399999 | -0.1586219159201207 | 767647.23477 Autres actifs | 1548651.78523 | 0 | 0 | 0 | 0 | 0 | 0 | -0.016259511780333614 | 1574248.2939099998 | 0.08235773898394184 | 1454462.0851399999 | 0.21300834492772563 | 1199053.65138 | 0.37682219535130007 | 870884.8938000001 11768408.93231563 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04359391170453971 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 | 0.30251728040532055 | 7737938.365479999 PASSIF Dépôts À vue | 3659471.0740536405 | 0 | 0 | 0 | 0 | 0 | 0 | -0.026329833462344528 | 3758429.907600661 | 0.013955373289449001 | 3706701.504433726 | 0.3233124953696568 | 2801077.98982 | 0.5677553178101992 | 1786680.5859299998 Épargne | 1189608.93079988 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03556498538684782 | 1233477.541539746 | 0.0427844843690287 | 1182869.097142448 | 0.26046426769509096 | 938439.2143900001 | 0.5205444795007745 | 617173.14228 À terme | 3182206.6149361953 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07480321604586679 | 3439491.6520742616 | 0.09809044179514938 | 3132248.0564090954 | 0.0994593422219099 | 2848898.48685 | 0.44518774624376867 | 1971299.91882 8031286.619789716 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04745505183917952 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 | 0.505870701371239 | 4375153.64703 Obligations à vue Banques locales | 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 Autres | 280183.1812 | 0 | 0 | 0 | 0 | 0 | 0 | -0.12324231126561015 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252 | -0.23032796384839807 | 238151.85418 280183.1812 | 0 | 0 | 0 | 0 | 0 | 0 | -0.12324231126561015 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252 | -0.23032796384839807 | 238151.85418 Obligations à terme Banques locales | 1601473.02019 | 0 | 0 | 0 | 0 | 0 | 0 | -0.017327223108065486 | 1629711.3931 | -0.06481653049252348 | 1742664.8847400001 | 0.00511430778853358 | 1733797.70961 | -0.0027344952384451976 | 1738551.7711500002 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3713.0963899999997 Autres | 370242.5232599999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.031953915423275206 | 382463.73716999986 | 0.09779651905649674 | 348392.19339000003 | 0.18399461421025867 | 294251.50182999996 | -0.06351369316988965 | 314208.01317 1971715.54345 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02010738837358101 | 2012175.1302699998 | -0.03772347904082241 | 2091057.0781300003 | 0.031068213894702316 | 2028049.21144 | -0.013821562898600868 | 2056472.8807100002 Autres passifs | 378009.30194000003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.2026659033400051 | 474091.48 | 0.19562892130427856 | 396520.58557 | -0.05432176213225878 | 419297.56834 | 1.196581714383247 | 190886.39661999998 10661194.646379715 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05126159314118344 | 11237233.118534671 | 0.04075764066886524 | 10797166.102295268 | 0.17117847020627716 | 9219061.29336 | 0.3437562672056228 | 6860664.778539999 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 Réserves | 364431.13370999997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06001347549871499 | 343798.58571 | 0.17878405026805505 | 291655.27446 | -0.07266397750023006 | 314508.72972 | -0.20456549323199935 | 395392.36360000004 Réserves (Prov. Pour pertes sur prêts) | 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 BNR | 442783.15223 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04481079264175425 | 423792.66690999997 | 0.17563829777614168 | 360478.78646999993 | 0.46997154018474685 | 245228.41199 | 0.3482887772356299 | 181881.22316999998 1107214.2859399999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.037114422980480725 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 | -0.01998971053553195 | 877273.58677 11768408.932319716 | 0 | 0 | 0 | 0 | 0 | 0 | -0.043593912652051876 | 12304824.371154672 | 0.04728147210573154 | 11749300.163225269 | 0.165744134969762 | 10078798.43507 | 0.302517280346187 | 7737938.365309999 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 | 413070.01634999993 | 0 | 0 | 0 | 339205.39168 | 131146564.07841 | 525606.4589699999 | 391390.95843999996 Portefeuille brut | 5129677.950155631 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03824846507238143 | 5333683.14358 | 0.010347413503000485 | 5279058.54194 | 0.04952014005725682 | 5029973.547389 | 0.16284924310958557 | 4325559.46284 Provisions pour créances douteuses | 255510.10531 | 0 | 0 | 0 | 0 | 0 | 0 | -0.046713753879696736 | 268030.83161 | 0.20634902092474205 | 222183.48667 | 0.06486081581842533 | 208650.26055 | 0.08978554731531672 | 191459.92628 Portefeuille de crédit improductif | 326244.95649 | 0 | 0 | 0 | 0 | 0 | 0 | 0.47600723618257484 | 221032.08473 | -0.4122915703018152 | 376091.39764 | 0.8143811627345771 | 207283.56608000002 | -0.5561815364070304 | 467045.83762000006 [sgbelcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 65066.689060000004 | 0.005528928288796049 | 0 | 0 | 0 | 0 | 0 | 0 | 40727.73661 | 0.003309899875193528 | 92091.78353 | 0.007838065438004763 | 88270.42455 | 0.008758030544286824 | 45626.62983 | 0.005896484008395134 Avoirs à la BRH | 1805564.3634399998 | 0.1534246790559754 | 0 | 0 | 0 | 0 | 0 | 0 | 1977401.7173199998 | 0.1607013362917379 | 1970852.73521 | 0.1677421384961492 | 1399708.7097399998 | 0.1388765455190871 | 973212.7014599999 | 0.1257715757729003 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 | 177538.28236 | 0.015086005540858307 | 0 | 0 | 0 | 0 | 0 | 0 | 247519.05956999998 | 0.02011561094651173 | 266295.70171 | 0.022664813904732687 | 158746.76059 | 0.015750564077850103 | 130120.88674000002 | 0.01681596319253292 Autres liquidités | 39892.510129999995 | 0.0033897963912909745 | 0 | 0 | 0 | 0 | 0 | 0 | 35196.95591 | 0.0028604192049576584 | 27133.451950000002 | 0.0023093675004543365 | 48261.75186 | 0.004788443004159895 | 71322.52186000001 | 0.009217251222648597 2088061.84499 | 0.17742940927692075 | 0 | 0 | 0 | 0 | 0 | 0 | 2300845.46941 | 0.18698726631840085 | 2356373.6724 | 0.20055438533934097 | 1694987.64674 | 0.16817358314538394 | 1220282.7398899999 | 0.15770127419647692 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 | 2679722.57465 | 0.22770474667068863 | 0 | 0 | 0 | 0 | 0 | 0 | 2750084.95352 | 0.22349648181019918 | 2327832.95751 | 0.19812524364634312 | 1717552.29115 | 0.17041240601239993 | 745023.96046 | 0.09628197140774004 Portefeuille net | 4874167.84484563 | 0.41417390174650875 | 0 | 0 | 0 | 0 | 0 | 0 | 5065652.31197 | 0.4116801804067479 | 5056875.055269999 | 0.43039797988175854 | 4821323.286839 | 0.47836290382968716 | 4134099.53656 | 0.5342636941905331 Immobilisations | 577804.8826 | 0.04909796098377993 | 0 | 0 | 0 | 0 | 0 | 0 | 613993.33015 | 0.04989858548471751 | 553756.39289 | 0.047131010800451754 | 645881.5596399999 | 0.06408319044749322 | 767647.23477 | 0.09920565382047745 Autres actifs | 1548651.78523 | 0.13159398132210187 | 0 | 0 | 0 | 0 | 0 | 0 | 1574248.2939099998 | 0.13376899995267585 | 1454462.0851399999 | 0.12379138033210564 | 1199053.65138 | 0.10188749033758009 | 870884.8938000001 | 0.11254740638477254 11768408.93231563 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 12304824.358960003 | 1.0455809642347993 | 11749300.163209999 | 1 | 10078798.435749 | 0.8564282983125254 | 7737938.365479999 | 1 0 | 0 PASSIF | 0 | 0 Dépôts | 0 | 0 À vue | 3659471.0740536405 | 0.3109571646516177 | 0 | 0 | 0 | 0 | 0 | 0 | 3758429.907600661 | 0.3054436047162173 | 3706701.504433726 | 0.315482748158936 | 2801077.98982 | 0.277917849798912 | 1786680.5859299998 | 0.2308987874471353 Épargne | 1189608.93079988 | 0.10108494169787527 | 0 | 0 | 0 | 0 | 0 | 0 | 1233477.541539746 | 0.100243409052935 | 1182869.097142448 | 0.10067570669837063 | 938439.2143900001 | 0.09311022741177188 | 617173.14228 | 0.07975937686881739 À terme | 3182206.6149361953 | 0.2704024505978858 | 0 | 0 | 0 | 0 | 0 | 0 | 3439491.6520742616 | 0.2795238316075375 | 3132248.0564090954 | 0.2665901809383463 | 2848898.48685 | 0.2826625123035597 | 1971299.91882 | 0.25475776953900775 8031286.619789716 | 0.6824445569473788 | 0 | 0 | 0 | 0 | 0 | 0 | 8431399.10121467 | 0.6852108453766899 | 8021818.657985269 | 0.6827486357956529 | 6588415.69106 | 0.6536905895142436 | 4375153.64703 | 0.5654159338549604 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 | 280183.1812 | 0.023808076589744175 | 0 | 0 | 0 | 0 | 0 | 0 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 | 238151.85418 | 0.03077717124789052 280183.1812 | 0.023808076589744175 | 0 | 0 | 0 | 0 | 0 | 0 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 | 238151.85418 | 0.03077717124789052 Obligations à terme Banques locales | 1601473.02019 | 0.1360823735307508 | 0 | 0 | 0 | 0 | 0 | 0 | 1629711.3931 | 0.13244491311355397 | 1742664.8847400001 | 0.14832073915318975 | 1733797.70961 | 0.17202424680508593 | 1738551.7711500002 | 0.22467893759737312 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3713.0963899999997 | 0.00047985603071803084 Autres | 370242.5232599999 | 0.03146071192710913 | 0 | 0 | 0 | 0 | 0 | 0 | 382463.73716999986 | 0.03108242149685796 | 348392.19339000003 | 0.029652165537561396 | 294251.50182999996 | 0.029195097382472144 | 314208.01317 | 0.04060616643985236 1971715.54345 | 0.16754308545785995 | 0 | 0 | 0 | 0 | 0 | 0 | 2012175.1302699998 | 0.16352733461041194 | 2091057.0781300003 | 0.17797290469075117 | 2028049.21144 | 0.20121934418755807 | 2056472.8807100002 | 0.26576496006794353 Autres passifs | 378009.30194000003 | 0.03212068038373479 | 0 | 0 | 0 | 0 | 0 | 0 | 474091.48 | 0.03852891078894441 | 396520.58557 | 0.03374844289122898 | 419297.56834 | 0.04160194005396241 | 190886.39661999998 | 0.0246688959777155 10661194.646379715 | 0.9059163993787176 | 0 | 0 | 0 | 0 | 0 | 0 | 11237233.118534671 | 0.9132379943604848 | 10797166.102295268 | 0.9189624873236194 | 9219061.29336 | 0.9146984486424935 | 6860664.778539999 | 0.8866269611485099 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0.0254919761647822 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.024380681206680455 | 300000 | 0.025533435679801177 | 300000 | 0.029765452887311927 | 300000 | 0.03877001674481423 Réserves | 364431.13370999997 | 0.030966899247466248 | 0 | 0 | 0 | 0 | 0 | 0 | 343798.58571 | 0.027940145725010388 | 291655.27446 | 0.024823203970330564 | 314508.72972 | 0.031204982590429933 | 395392.36360000004 | 0.05109789519181226 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 | 442783.15223 | 0.03762472520938096 | 0 | 0 | 0 | 0 | 0 | 0 | 423792.66690999997 | 0.03444117969887209 | 360478.78646999993 | 0.030680873027548423 | 245228.41199 | 0.024331115812395547 | 181881.22316999998 | 0.023505126892893975 1107214.2859399999 | 0.0940836006216294 | 0 | 0 | 0 | 0 | 0 | 0 | 1067591.25262 | 0.08676200663056292 | 952134.0609299999 | 0.08103751267768017 | 859737.1417099999 | 0.0853015512901374 | 877273.58677 | 0.11337303882952046 11768408.932319716 | 1.000000000000347 | 0 | 0 | 0 | 0 | 0 | 0 | 12304824.371154672 | 1.0000000009910477 | 11749300.163225269 | 1.0000000000012996 | 10078798.43507 | 0.9999999999326309 | 7737938.365309999 | 0.9999999999780304 [sgbelgdes&$] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 15501.00611 | 49565.68295 | 65066.689060000004 | 0.23823259388081117 | 1731.55089 | 38996.18572 | 40727.73661 | 0.042515274211797155 Avoirs à la BRH | 1303343.1016399998 | 502221.26180000004 | 1805564.3634399998 | 0.7218480426567806 | 1450847.60317 | 526554.1141499999 | 1977401.7173199998 | 0.7337141413715136 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 71822.11573 | 105716.16662999999 | 177538.28236 | 0.40454438769641815 | 138700.85493 | 108818.20464 | 247519.05956999998 | 0.5603643419256549 Autres liquidités | 22812.355359999998 | 17080.15477 | 39892.510129999995 | 0.5718455741606652 | 20442.57331 | 14754.382599999999 | 35196.95591 | 0.5808051515100472 1413478.5788399996 | 674583.26615 | 2088061.8449899997 | 0.6769332921012065 | 1611722.5823 | 689122.8871099999 | 2300845.46941 | 0.7004914513938608 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 | 1520305.29958 | 1159417.27507 | 2679722.57465 | 0 | 1813428.37645 | 936656.57707 | 2750084.95352 | 0.6594081299666338 Portefeuille net | 2574733.30372563 | 2299434.54112 | 4874167.84484563 | 0.5282405911500109 | 2733265.72221 | 2332386.58976 | 5065652.311969999 | 0.539568362351156 Immobilisations | 0 | 577804.8826 | 577804.8826 | 0 | 0 | 613993.33015 | 613993.33015 | 0 Autres actifs | 1164045.79222 | 384605.9930100001 | 1548651.78523 | 0.7516510834274602 | 1192819.44 | 381428.89 | 1574248.2939099995 | 0.7577073099678353 | #REF! 6672562.97436563 | 5095845.957950001 | 11768408.93231563 | 0.5669893876684562 | 7351236.120959999 | 4953588.2740899995 | 12304824.395049999 | 0.5974271460482821 | #REF! #REF! PASSIF | #REF! Dépôts | #REF! À vue | 3065982.9652936407 | 593488.10876 | 3659471.0740536405 | 0.8378213417321575 | 3211899.3009306607 | 546530.60667 | 3758429.907600661 | 0.8545853933407797 Épargne | 905048.6340198801 | 284560.29678 | 1189608.93079988 | 0.7607950903759063 | 884072.7605897462 | 349404.7809499999 | 1233477.541539746 | 0.7167319475360378 À terme | 2128285.5371461953 | 1053921.07779 | 3182206.6149361953 | 0.6688080928361932 | 2566181.5064642616 | 873310.1456100001 | 3439491.6520742616 | 0.7460932504129408 6099317.136459716 | 1931969.48333 | 8031286.619789716 | 0.7594445853084764 | 6662153.567984669 | 1769245.5332300002 | 8431399.10121467 | 0.7901599115412393 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 | 106240.84930999999 | 173942.33189 | 280183.1812 | 0.37918353576749236 | 134109.28021 | 185458.12684000004 | 319567.40705000004 | 0.4196588176747857 106240.84930999999 | 173942.33189 | 280183.1812 | 0.37918353576749236 | 134109.28021 | 185458.12684000004 | 319567.40705000004 | 0.4196588176747857 Obligations à terme Banques locales | 0 | 1601473.02019 | 1601473.02019 | 0 | 0 | 1629711.3931 | 1629711.3931 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 316268.4 | 53974.12326000002 | 370242.52326000005 | 0.8542195456514402 | 322219.44 | 60244.297170000005 | 382463.73717 | 0.8424836361852988 316268.4 | 1655447.14345 | 1971715.5434500002 | 0.16040265090501382 | 322219.44 | 1689955.69027 | 2012175.1302699998 | 0.16013488843625834 Autres passifs | 147493.50518 | 230515.79676 | 378009.30194000003 | 0.3901848563594636 | 233849.04 | 240242.44643000004 | 474091.4677100001 | 0.4932572212901426 6669319.890949717 | 3991874.7554299994 | 10661194.646379715 | 0.6255696582009651 | 7352331.3281946685 | 3884901.7967700004 | 11237233.10624467 | 0.6542830658295133 AVOIR DES ACTIONNAIRES Capital versé | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Réserves | 0 | 364431.13370999997 | 364431.13370999997 | 0 | 0 | 343798.58571 | 343798.58571 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 442783.15223 | 442783.15223 | 0 | 0 | 423792.66690999997 | 423792.66690999997 | 0 0 | 1107214.2859399999 | 1107214.2859399999 | 0 | 1067591.25262 | 1067591.25262 6669319.890949717 | 5099089.041369999 | 11768408.932319716 | 0.5667138123177966 | 7352331.3281946685 | 4952493.04939 | 12304824.37758467 | 0.5975161532242744 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes [SGBELRÉSULT ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 | 122621.88078000004 | 0 | 0 | 0 | 0 | 0 | 0 | 118624.67507999999 | 0.30159236403280043 | 154400.97127 | 0.09047887526284211 | 168370.99749 | -0.04931762592006501 | 160067.33961999998 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 41318.06111 | 0 | 0 | 0 | 0 | 0 | 0 | 29182.915700000005 | 0.47556542885123737 | 43061.301520000015 | -0.2030511858992231 | 34317.653179999994 | 0 | 38321.148270000005 163939.94189000005 | 0 | 0 | 0 | 0 | 0 | 0 | 147807.59078 | 0.33594135286263554 | 197462.27279000002 | 0.02646772877752809 | 202688.65067 | -0.02121560711853158 | 198388.48789 Dépenses d'intérêt | 44961.8767 | 0 | 0 | 0 | 0 | 0 | 0 | 41304.206584987005 | 0.09900958832392664 | 45393.71907501299 | 0.0808500014929861 | 49063.80132999998 | -0.05013050206809033 | 46604.20833595804 118978.06519000005 | 0 | 0 | 0 | 0 | 0 | 0 | 106503.384195013 | 0.4278283724444093 | 152068.55371498704 | 0.010234171279946877 | 153624.84934000002 | -0.011980937939828663 | 151784.27955404195 AUTRES REVENUS Commissions | 4884.2896 | 0 | 0 | 0 | 0 | 0 | 0 | 3889.0671199999997 | 0.44728666446877935 | 5628.594980000002 | -0.034163092331792 | 5436.304770000001 | 0.13998843556373947 | 6197.324569999995 Gains sur change | 5272.2414 | 0 | 0 | 0 | 0 | 0 | 0 | 7234.12361 | 0.029831292860642813 | 7449.92687 | -0.6426217765007403 | 2662.4416300000003 | 0.4227023110362046 | 3787.86186 Autres | 7443.003279999999 | 0 | 0 | 0 | 0 | 0 | 0 | 8082.119930000001 | 0.34092536783229815 | 10837.519639999999 | 0.2205944219170059 | 13228.216019999996 | -0.03517358949207658 | 12762.932180000005 17599.53428 | 0 | 0 | 0 | 0 | 0 | 0 | 19205.31066 | 0.24528271962875922 | 23916.04149 | -0.10825700695838705 | 21326.962419999996 | 0.06663659653037461 | 22748.118609999998 PRODUIT NET BANCAIRE | 136577.59947000004 | 0 | 0 | 0 | 0 | 0 | 0 | 125708.694855013 | 0.3999397210189804 | 175984.59520498704 | -0.005868601418118675 | 174951.81176 | -0.0023973092461220926 | 174532.39816404195 Dotation à la provision pour créances douteuses | -1821.4077999999997 | 0 | 0 | 0 | 0 | 0 | 0 | -4900.864129999998 | 3.7546162558071163 | 13499.999999999998 | -0.07407407407407395 | 12500 | 0.21771262400000008 | 15221.4078 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 138399.00727000003 | 0 | 0 | 0 | 0 | 0 | 0 | 130609.558985013 | 0.2440482646728145 | 162484.59520498704 | -0.00020176340375940884 | 162451.81176 | -0.0193338649900575 | 159310.99036404194 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 39961.67533 | 0 | 0 | 0 | 0 | 0 | 0 | 37936.44096 | 0.014071260415884907 | 38470.2545 | 0.03467515973932538 | 39804.216720000004 | 0.03219774826911818 | 41085.82286999999 Frais de locaux | 19600.97696 | 0 | 0 | 0 | 0 | 0 | 0 | 17579.21165 | 0.03842936949905809 | 18254.769669999998 | 0.030881577811767712 | 18818.50576 | 0.16419879662114056 | 21908.481760000002 Amortissement | 4369.13132 | 0 | 0 | 0 | 0 | 0 | 0 | 3713.60757 | 0.03842739096958481 | 3856.31182 | 0.10609596658602169 | 4265.45095 | 0.014728768595968252 | 4328.275790000003 Autres dépenses d'exploitation | 32197.33444000002 | 0 | 0 | 0 | 0 | 0 | 0 | 22055.544840000002 | 0.6669999683399308 | 36766.59254999993 | -0.19173418233993897 | 29717.17999 | 0.31780386507663344 | 39161.41464999999 96129.11805000002 | 0 | 0 | 0 | 0 | 0 | 0 | 81284.80502 | 0.19761532940932353 | 97347.92853999994 | -0.04871778158126115 | 92605.35342 | 0.14986867537835688 | 106483.99506999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 42269.88922000001 | 0 | 0 | 0 | 0 | 0 | 0 | 49324.753965013006 | 0.3205674925654934 | 65136.666664987104 | 0.07230630482269614 | 69846.45834000001 | -0.24366966415262428 | 52826.995294041946 Impôts sur le revenu | 11412.870089400007 | 0 | 0 | 0 | 0 | 0 | 0 | 13317.683571899997 | 0.3205674923308724 | 17586.899998200035 | 0.0723063049047919 | 18858.54375179997 | -0.3111090152409014 | 12991.480776300028 BÉNÉFICE NET | 30857.019130600005 | 0 | 0 | 0 | 0 | 0 | 0 | 36007.07039311301 | 0.3205674926522708 | 47549.766666787065 | 0.07230630479233212 | 50987.914588200045 | -0.21872634251723422 | 39835.51451774192 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 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 | 122621.88078000004 | 0.03369624150544017 | 118624.67507999999 | 0 | 0 | 154400.97127 | 0 | 0 | 168370.99749 | 0 | 0 | 160067.33961999998 | 122621.88078000004 | 0.03369624150544017 | 118624.67507999999 | 601463.98346 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 41318.06111 | 0.4158304651512253 | 29182.915700000005 | 0 | 0 | 43061.301520000015 | 0 | 0 | 34317.653179999994 | 0 | 0 | 38321.148270000005 | 41318.06111 | 0.4158304651512253 | 29182.915700000005 | 144883.01867000002 163939.94189000005 | 0.10914426671098229 | 147807.59078 | 0 | 0 | 197462.27279000002 | 0 | 0 | 202688.65067 | 0 | 0 | 198388.48789 | 163939.94189000005 | 0.10914426671098229 | 147807.59078 | 746347.00213 Dépenses d'intérêt | 44961.8767 | 0.08855442138773494 | 41304.206584987005 | 0 | 0 | 45393.71907501299 | 0 | 0 | 49063.80132999998 | 0 | 0 | 46604.20833595804 | 44961.8767 | 0.08855442138773494 | 41304.206584987005 | 182365.935325958 118978.06519000005 | 0.11712943292154256 | 106503.384195013 | 0 | 0 | 152068.55371498704 | 0 | 0 | 153624.84934000002 | 0 | 0 | 151784.27955404195 | 118978.06519000005 | 0.11712943292154256 | 106503.384195013 | 563981.0668040421 0 AUTRES REVENUS | 0 Commissions | 4884.2896 | 0.25590262376340794 | 3889.0671199999997 | 0 | 0 | 5628.594980000002 | 0 | 0 | 5436.304770000001 | 0 | 0 | 6197.324569999995 | 4884.2896 | 0.25590262376340794 | 3889.0671199999997 | 21151.291439999997 Gains sur change | 5272.2414 | -0.27119832557022067 | 7234.12361 | 0 | 0 | 7449.92687 | 0 | 0 | 2662.4416300000003 | 0 | 0 | 3787.86186 | 5272.2414 | -0.27119832557022067 | 7234.12361 | 21134.35397 Autres | 7443.003279999999 | -0.07907784783391623 | 8082.119930000001 | 0 | 0 | 10837.519639999999 | 0 | 0 | 13228.216019999996 | 0 | 0 | 12762.932180000005 | 7443.003279999999 | -0.07907784783391623 | 8082.119930000001 | 44910.78777 17599.53428 | -0.0836110599004494 | 19205.31066 | 0 | 0 | 23916.04149 | 0 | 0 | 21326.962419999996 | 0 | 0 | 22748.118609999998 | 17599.53428 | -0.0836110599004494 | 19205.31066 | 87196.43317999999 0 PRODUIT NET BANCAIRE | 136577.59947000004 | 0.08646104096079248 | 125708.694855013 | 0 | 0 | 175984.59520498704 | 0 | 0 | 174951.81176 | 0 | 0 | 174532.39816404195 | 136577.59947000004 | 0.08646104096079248 | 125708.694855013 | 651177.499984042 0 Dotation à la provision pour créances douteuses | -1821.4077999999997 | 0.6283496641234164 | -4900.864129999998 | 0 | 0 | 13499.999999999998 | 0 | 0 | 12500 | 0 | 0 | 15221.4078 | -1821.4077999999997 | 0.6283496641234164 | -4900.864129999998 | 36320.54367 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 138399.00727000003 | 0.05963918985348414 | 130609.558985013 | 0 | 0 | 162484.59520498704 | 0 | 0 | 162451.81176 | 0 | 0 | 159310.99036404194 | 138399.00727000003 | 0.05963918985348414 | 130609.558985013 | 614856.956314042 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 39961.67533 | 0.05338493329238227 | 37936.44096 | 0 | 0 | 38470.2545 | 0 | 0 | 39804.216720000004 | 0 | 0 | 41085.82286999999 | 39961.67533 | 0.05338493329238227 | 37936.44096 | 157296.73505000002 Frais de locaux | 19600.97696 | 0.11500887242574377 | 17579.21165 | 0 | 0 | 18254.769669999998 | 0 | 0 | 18818.50576 | 0 | 0 | 21908.481760000002 | 19600.97696 | 0.11500887242574377 | 17579.21165 | 76560.96884 Amortissement | 4369.13132 | 0.17651939189686655 | 3713.60757 | 0 | 0 | 3856.31182 | 0 | 0 | 4265.45095 | 0 | 0 | 4328.275790000003 | 4369.13132 | 0.17651939189686655 | 3713.60757 | 16163.646130000005 Autres dépenses d'exploitation | 32197.33444000002 | 0.4598294747907038 | 22055.544840000002 | 0 | 0 | 36766.59254999993 | 0 | 0 | 29717.17999 | 0 | 0 | 39161.41464999999 | 32197.33444000002 | 0.4598294747907038 | 22055.544840000002 | 127700.73202999993 96129.11805000002 | 0.1826210080266244 | 81284.80502 | 0 | 0 | 97347.92853999994 | 0 | 0 | 92605.35342 | 0 | 0 | 106483.99506999999 | 96129.11805000002 | 0.1826210080266244 | 81284.80502 | 377722.08204999997 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 42269.88922000001 | -0.14302888869992428 | 49324.753965013006 | 0 | 0 | 65136.666664987104 | 0 | 0 | 69846.45834000001 | 0 | 0 | 52826.995294041946 | 42269.88922000001 | -0.14302888869992428 | 49324.753965013006 | 237134.874264042 0 Impôts sur le revenu | 11412.870089400007 | -0.14302888878656816 | 13317.683571899997 | 0 | 0 | 17586.899998200035 | 0 | 0 | 18858.54375179997 | 0 | 0 | 12991.480776300028 | 11412.870089400007 | -0.14302888878656816 | 13317.683571899997 | 62754.60809820003 0 BÉNÉFICE NET | 30857.019130600005 | -0.143028888667878 | 36007.07039311301 | 0 | 0 | 47549.766666787065 | 0 | 0 | 50987.914588200045 | 0 | 0 | 39835.51451774192 | 30857.019130600005 | -0.143028888667878 | 36007.07039311301 | 174380.26616584198 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 122621.88078000004 | 0.03369624150544017 | 118624.67507999999 | 601463.98346 | 0.19301550776639595 | 504154.37145999994 | -0.04864682193806706 | 529933.9751899999 | -0.11708803932859888 | 600211.57125 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 41318.06111 | 0.4158304651512253 | 29182.915700000005 | 144883.01867000002 | 1.1587216066983668 | 67115.19365 | 1.3117820354313419 | 29031.799980000003 | 1.1462495557952865 | 13526.75876 163939.94189000005 | 0.10914426671098229 | 147807.59078 | 746347.00213 | 0.3064707936721402 | 571269.56511 | 0.02201170534324406 | 558965.7751699999 | -0.08924414878749332 | 613738.33001 Dépenses d'intérêt | 44961.8767 | 0.08855442138773494 | 41304.206584987005 | 182365.935325958 | 0.12735606709473118 | 161764.273638875 | 0.041186249571496025 | 155365.35726 | -0.14433742820447154 | 181573.16024 118978.06519000005 | 0.11712943292154256 | 106503.384195013 | 563981.0668040421 | 0.37722534616823017 | 409505.291471125 | 0.014630494169710599 | 403600.41790999996 | -0.06609683949125827 | 432165.16977000004 AUTRES REVENUS Commissions | 4884.2896 | 0.25590262376340794 | 3889.0671199999997 | 21151.291439999997 | -0.05650714516171521 | 22418.072729999996 | 0.0651965355925976 | 21045.949719999997 | -0.11813599489783431 | 23865.300769999998 Gains sur change | 5272.2414 | -0.27119832557022067 | 7234.12361 | 21134.35397 | 1.7073940625777582 | 7806.161010000002 | -0.6010075300715816 | 19564.682539999998 | -0.608612221926647 | 49987.975190000005 Autres | 7443.003279999999 | -0.07907784783391623 | 8082.119930000001 | 44910.78777 | -0.4729440636117505 | 85210.66678 | 1.3413139305349486 | 36394.379100000006 | -0.04998515985984101 | 38309.274300000005 17599.53428 | -0.0836110599004494 | 19205.31066 | 87196.43317999999 | -0.24462677416270193 | 115434.90052 | 0.49905698968524886 | 77005.01136 | -0.3134516718682177 | 112162.55026 PRODUIT NET BANCAIRE | 136577.59947000004 | 0.08646104096079248 | 125708.694855013 | 651177.499984042 | 0.24047941064312955 | 524940.191991125 | 0.09224773592022438 | 480605.42926999996 | -0.11706604020917423 | 544327.7200300001 Dotation à la provision pour créances douteuses | -1821.4077999999997 | -0.6283496641234164 | -4900.864129999998 | 36320.54367 | 2.282431105353218 | 11065.13511 | -0.7101019931550905 | 38169.06239000001 | -0.4548554297887071 | 70016.40385999999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 138399.00727000003 | 0.05963918985348414 | 130609.558985013 | 614856.956314042 | 0.1965106071616104 | 513875.056881125 | 0.1614665867204832 | 442436.36688 | -0.0672025907949784 | 474311.3161700001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 39961.67533 | 0.05338493329238227 | 37936.44096 | 157296.73505000002 | 0.1764421657291397 | 133705.455 | 0.022683683752367855 | 130739.79483999997 | 0.09225518483576824 | 119697.11534 Frais de locaux | 19600.97696 | 0.11500887242574377 | 17579.21165 | 76560.96884 | 0.31629344127582826 | 58164.05859 | 0.1790164787618951 | 49332.693510000005 | 0.05880450071849114 | 46592.82566 Amortissement | 4369.13132 | 0.17651939189686655 | 3713.60757 | 16163.646130000005 | -0.14805086993787658 | 18972.54843 | -0.020209238917490813 | 19363.877660000002 | 0.11487532030262587 | 17368.64859 Autres dépenses d'exploitation | 32197.33444000002 | 0.4598294747907038 | 22055.544840000002 | 127700.73202999993 | 0.5194406144074976 | 84044.56931 | 0.015740797351912778 | 82742.14202 | -0.009560738240887698 | 83540.85426000001 96129.11805000002 | 0.1826210080266244 | 81284.80502 | 377722.08204999997 | 0.2809060904063194 | 294886.63133 | 0.04503575906159715 | 282178.50802999997 | 0.056059488613340494 | 267199.44385 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 42269.88922000001 | -0.14302888869992428 | 49324.753965013006 | 237134.874264042 | 0.08286487592779426 | 218988.42555112502 | 0.3664754235615759 | 160257.85885000002 | -0.22622562842562635 | 207111.87232000014 Impôts sur le revenu | 11412.870089400007 | -0.14302888878656816 | 13317.683571899997 | 62754.60809820003 | 0.061355067012540426 | 59126.87473649999 | 0.394729207997185 | 42393.085623700026 | -0.22561407313704365 | 54744.1322900001 BÉNÉFICE NET | 30857.019130600005 | -0.143028888667878 | 36007.07039311301 | 174380.26616584198 | 0.09082055864735597 | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999 | -0.2264453538321608 | 152367.74003000004 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 231643904.24589664 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0031822551315609914 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 | 0.5007335613533734 | 120956205.49325176 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 46073606.79762 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07790354714380668 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003 Dépôts | 191376545.65769842 | 0 | 0 | 0 | 0 | 0 | 0 | -0.010271385876670187 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 | 0.5242263625731667 | 102797482.25206877 Avoir des Actionnaires | 20209577.04199 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04144169423378604 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 | 0.19188117790730216 | 11181897.76121 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 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. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) Résultats Revenus nets d'intérêt | 2065121.0358399998 | 0.31244326756747487 | 1573493.5649200003 | 0 | 0 | 1724234.2299499994 | 0 | 0 | 1856202.27111 | 0 | 0 | 2076773.7604700003 | 2065121.0358399998 | 0.31244326756747487 | 1573493.5649200003 Autres revenus | 1512647.5709499998 | -0.4401478080588328 | 2701869.51614 | 0 | 0 | 2306082.8515300006 | 0 | 0 | 1337149.2631799998 | 0 | 0 | 1807399.24514 | 1512647.5709499998 | -0.4401478080588328 | 2701869.51614 Dot. à la prov. pr créances douteuses | 254514.85327000002 | 1.4849390072411293 | 102422.978 | 0 | 0 | 111692.875 | 0 | 0 | 123063.29200000002 | 0 | 0 | 184222.11544999998 | 254514.85327000002 | 1.4849390072411293 | 102422.978 Dépenses d'exploitation | 2276514.5194800003 | 0.41127610500931355 | 1613089.3957600002 | 0 | 0 | 1875732.4281699997 | 0 | 0 | 2295970.89527 | 0 | 0 | 2711852.0248 | 2276514.5194800003 | 0.41127610500931355 | 1613089.3957600002 Bénéfice (perte) net | 822123.0696699995 | -0.6279744622085436 | 2209856.5451999996 | 0 | 0 | 1758421.5338500005 | 0 | 0 | 535115.9936699998 | 0 | 0 | 810635.5975300006 | 822123.0696699995 | -0.6279744622085436 | 2209856.5451999996 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 23) | (oct. - déc. 22) | (janv. - mars 24) | (janv. - mars 23) | (avril - juin 24) | (avril - juin 23) | (juil. - sept. 24) | (juil. - sept. 23) | (oct. 23 - déc. 23) | (oct. 22- Déc. 22) | 2023 | 2022 | 2021 | 2020 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.08724415653319742 | 0.07509661772516678 | 0 | 0.07883571077908672 | 0 | 0.07927892782413647 | 0 | 0.08350589749755921 | 0.08724415653319742 | 0.07883571077908672 | 0.08350589749755921 | 0.07528974387734151 | 0.0734203971703253 | 0.0924458378601654 Dépôts en % de l'actif | 0.8261669836757143 | 0.8532835197444018 | 0 | 0.8476089672750888 | 0 | 0.8407986026386371 | 0 | 0.8320845712658815 | 0.8261669836757143 | 0.8476089672750888 | 0.8320845712658815 | 0.8557027313876048 | 0.8631776716154627 | 0.8498735706272129 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.02628287850735127 | 0.011291345643897582 | 0 | 0.00233734323813193 | 0 | 0.011730670301705461 | 0 | 0.014016912999195625 | 0.02628287850735127 | 0.00233734323813193 | 0.014016912999195625 | 0.00150175380596432 | 0.00510104968168687 | 0.007357425798568143 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.1589108153433003 | 1.4402901001321995 | 0 | 7.972499442770248 | 0 | 2.1031925361286063 | 0 | 1.8330676265606023 | 1.1589108153433003 | 7.972499442770248 | 1.8330676265606023 | 9.169258965939676 | 4.3646363278449485 | 3.4385272737597514 Prêts improductifs nets en % de l'avoir des actionnaires | -0.00982099343680555 | -0.015492899917854087 | 0 | -0.046307119696870055 | 0 | -0.03890774534898717 | 0 | -0.030859638379443253 | -0.00982099343680555 | -0.046307119696870055 | -0.030859638379443253 | -0.03944924059046916 | -0.05380588016584977 | -0.05158466141060321 Rentabilité ROA (rendement de l'actif) | 0.014173701397207536 | 0.037837659694226165 | 0 | 0.027531513668261513 | 0 | 0.008612481472378457 | 0 | 0.013886353655121069 | 0.014173701397207536 | 0.037837659694226165 | 0.02356083406257302 | 0.022344288908249615 | 0.026942727683757217 | 0.004703772889657475 ROE (rendement avoir des action.) | 0.16602274031568567 | 0.5032472402782824 | 0 | 0.3574729135761009 | 0 | 0.10895679533472302 | 0 | 0.17063122265722164 | 0.16602274031568567 | 0.5032472402782824 | 0.2962793081678389 | 0.3001573948726735 | 0.33250992580766514 | 0.05209944945323502 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8650701965081747 | 0.8743166236176858 | 0 | 0.851717777207179 | 0 | 0.8535245148360923 | 0 | 0.8902386290997274 | 0.8650701965081747 | 0.8743166236176858 | 0.8678564774472659 | 0.8223947513581819 | 0.8144197355633667 | 0.7526856023912105 Rendement moyen des prêts | 0.13202374169997094 | 0.09343527434788128 | 0 | 0.09559326437023316 | 0 | 0.10590357047153512 | 0 | 0.1255458351183187 | 0.13202374169997094 | 0.09343527434788128 | 0.11313361988764775 | 0.07746518073442459 | 0.07923305842060718 | 0.10349718727420207 Rendement moyen des prêts productifs | 0.13470660359022787 | 0.09405852332098852 | 0 | 0.09624681936865803 | 0 | 0.10664118719564344 | 0 | 0.12717679014573793 | 0.13470660359022787 | 0.09405852332098852 | 0.11400684210529684 | 0.07770523120931115 | 0.07971792423496582 | 0.10427436132643232 Rémunération moyenne des dépôts | 0.006697698674737563 | 0.004532782905914557 | 0 | 0.0055269980924393825 | 0 | 0.006071686488010882 | 0 | 0.005243826767135405 | 0.006697698674737563 | 0.004532782905914557 | 0.005786844443795254 | 0.004906166998469684 | 0.00552208416672816 | 0.009864320691438952 Dépenses d'exploitation en % du produit net bancaire | 0.6362945091416926 | 0.37729880835291857 | 0 | 0.46540567162551866 | 0 | 0.7189847001233703 | 0 | 0.6981800297986752 | 0.6362945091416926 | 0.37729880835291857 | 0.5523325541297847 | 0.572965483892479 | 0.5273483255696426 | 0.892320545087006 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8983.725315229127 | 12663.052442976674 | 0 | 12008.393538860335 | 0 | 9695.184923840607 | 0 | 10681.809571976626 | 8983.725315229127 | 12663.052442976674 | 13858.742975171173 | 8302.657319481008 | 7150.438652770809 | 4908.461462201694 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 23 | SEPTEMBRE Déc. 23 | Var. | Mars 24 | Var. | Juin 24 | Var. | Sept. 24 | /sept. 23 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 ACTIF Disponibilités Encaisse | 11216843.71712645 | 0 | 0 | 0 | 0 | 0 | 0 | 0.005610512269132065 | 11154262.590012066 | 1.0895019024858448 | 5338239.978026357 | 0.06204019493204622 | 5026401.075495942 | 0.08848749382580189 | 4617784.8657031525 Avoirs à la BRH | 91111039.04510361 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012429043965375934 | 92257714.23143116 | 0.017577021827108776 | 90664109.2049995 | 0.25332650026526293 | 72338779.38893872 | 0.6051743087136726 | 45065996.25738363 Avoirs à l'étranger | 14746557.367395323 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01375996062696554 | 14952300.432630884 | 0 | 16945933.926280208 | 0 | 16946757.402034957 | 0 | 8704248.558392948 Avoirs dans les banques locales | 3460.9788800075216 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5605878963540261 | 7876.384950005764 | 0 | 6.375926050532144e-09 | 0 | 6.110186409205198e-09 | 0 | 0 Autres liquidités | 1662741.72107421 | 0 | 0 | 0 | 0 | 0 | 0 | -0.13611781870520084 | 1924732.049203826 | 0.916883857982657 | 1004094.24451486 | 0.2843687185670473 | 781780.364158288 | 0.017216064289898983 | 768548.975584686 118740642.82957959 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012936684518015341 | 120296885.68822795 | 0.05567684046386677 | 113952377.35382092 | 0.19831656048463345 | 95093718.23062791 | 0.6074918527978784 | 59156578.657064416 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 7100000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2909090909090909 | 5500000 | -0.11290322580645161 | 6200000 | -0.08823529411764706 | 6800000 | 1.0606060606060606 | 3300000 Autres Placements | 49889633.46556811 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04145218294845228 | 47903911.75169052 | 0.1913120996517343 | 40211051.13067739 | 0.21842040898893045 | 33002607.99476046 | 0.4985364549485395 | 22023226.652763538 Portefeuille net | 46073606.79762 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07790354714380668 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003 Immobilisations | 4227954.076599999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030448317155484832 | 4103023.9034900004 | 0.23486149346758736 | 3322659.201209999 | 0.08831236168912789 | 3053038.18846 | 0.0630382175710019 | 2871992.87664 Autres actifs | 5612067.0765289245 | 0 | 0 | 0 | 0 | 0 | 0 | 0.21646058193300738 | 4613439.317212492 | 0.6470463050083847 | 2801038.017682816 | 0.028759379817235177 | 2722733.8798898105 | 0.20068830330166665 | 2267644.210743792 231643904.24589664 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0031822551315609914 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 | 0.5007335613533734 | 120956205.49325176 PASSIF | 0 | 0 | 0 Dépôts | 0 | 0 | 0 À vue | 90797970.13969277 | 0 | 0 | 0 | 0 | 0 | 0 | -0.012719453513801117 | 91967749.65621388 | 0.08277525922920087 | 84937062.30569333 | 0.19847177099902089 | 70871141.36605118 | 0.6036145682686481 | 44194623.05245058 Épargne | 71737399.84585229 | 0 | 0 | 0 | 0 | 0 | 0 | -0.039062853509353526 | 74653581.77466455 | -0.0008472307877473312 | 74716884.21933973 | 0.21478062858724267 | 61506483.11393759 | 0.524906685371339 | 40334588.144952476 À terme | 28841175.67215339 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07852489482039887 | 26741316.598868273 | -0.027375577906464586 | 27493980.195673734 | 0.1310202466599536 | 24309007.97476168 | 0.3306682335739247 | 18268271.05466571 191376545.65769842 | 0 | 0 | 0 | 0 | 0 | 0 | -0.010271385876670187 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 | 0.5242263625731667 | 102797482.25206877 Obligations à vue Banques locales | 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 Autres | 8995317.705239644 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04119688445999085 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066 8995317.705239644 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04119688445999085 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066 Obligations à terme Banques locales | 3524057.6369899996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.044611603054978084 | 3373557.81487 | 0 | 4470933.526389999 | 0 | 3968534.2379099997 | 0 | 2260374.18273 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5036074.119616184 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04141403874189754 | 5253648.940368953 | 1.327131149530416 | 2257564.6161708888 | 0.39165437984239937 | 1622216.4417192084 | 1.6411463862480664 | 614209.212395713 8560131.756606184 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00777482220326273 | 8627206.755238954 | 0.28218906692830137 | 6728498.142560888 | 0.20350531227894741 | 5590750.6796292085 | 0.9448907584692668 | 2874583.395125713 Autres passifs | 2502332.081881508 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06538139252955284 | 2348766.46 | 0.08133478208894412 | 2172099.241515755 | 0.18402509271008033 | 1834504.3993485821 | 0.5088736981905279 | 1215810.4429473171 211434327.2014258 | 0 | 0 | 0 | 0 | 0 | 0 | -0.007248143793186378 | 212978022.53353736 | 0.053093698107249274 | 202240335.22974062 | 0.20241197206262992 | 168195543.56466982 | 0.5321940719934289 | 109774307.73233742 AVOIR DES ACTIONNAIRES Capital versé | 12554050 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0005970600761848658 | 12561550 | 0.993679261191735 | 6300687.5 | -0.00019835169739465045 | 6301937.5 | -0.003402019467221216 | 6323450 Réserves | 771720.2943599999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0002588850600854654 | 771920.1329499999 | -0.6988681174322054 | 2563395.56731 | 0.44333292640853855 | 1776025.1432 | -0.14772845972276943 | 2083872.4036499998 Réserves (Prov. Pour pertes sur prêts) | 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 BNR | 6883806.747630001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13371265689830467 | 6071914.87697 | -0.20130437616435562 | 7602288.901760001 | 0.44818444648348366 | 5249530.83167 | 0.8920123460933894 | 2774575.35756 20209577.04199 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04144169423378604 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 | 0.19188117790730216 | 11181897.76121 231643904.2434158 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0031822551698458246 | 232383407.54345736 | 0.06253443490516385 | 218706707.1988106 | 0.20484270627959664 | 181523037.0395398 | 0.5007335613650962 | 120956205.49354741 Hors-bilan Effets à l'encaissement | 4488.126568537001 | 0 | 0 | 0 | 4434.180791275 | 3750.073000181 | 2958.534002186 | 2809.6125314 Crédit documentaire | 1836757.0324328751 | 0 | 0 | 0 | 1881109.1359275752 | 1809400.1296932271 | 1568762.3525348501 | 1009052.0499766741 Autres | 2659201.9244598546 | 0 | 0 | 0 | 2316107.008951261 | 2151870.224273834 | 2359671.6640074262 | 1199427.898695145 Portefeuille brut | 47521075.57704 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07337118513038168 | 51283831.03834999 | -0.03144275000816264 | 52948683.249010004 | 0.2672859755683287 | 41781164.05436 | 0.2995648084982276 | 32150119.625540003 Provisions pour créances douteuses | 1447468.77942 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09849448086097938 | 1317684.16195 | 0.8072705915409105 | 729101.75605 | -0.21620950550054593 | 930225.31042 | 0.14368702614564804 | 813356.5295 Portefeuille de crédit improductif | 1248990.6559300001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.7375061516060405 | 718840.9979300001 | 8.040218612369747 | 79515.88659000001 | -0.6269098213476743 | 213127.79359999998 | -0.09898586350521335 | 236542.11956 0 [unibkcomp ] UNIBANK (UNIBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 23 | Comp. | Mars 24 | Comp. | Juin 24 | Comp. | Sept. 24 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. | 2020 | Comp. ACTIF Disponibilités Encaisse | 11216843.71712645 | 0.04842278821729515 | 0 | 0 | 0 | 0 | 0 | 0 | 11154262.590012066 | 0.047999393365617475 | 5338239.978026357 | 0.024408213385215368 | 5026401.075495942 | 0.027690155241577558 | 4617784.8657031525 | 0.0381773291157086 Avoirs à la BRH | 91111039.04510361 | 0.3933237066682602 | 0 | 0 | 0 | 0 | 0 | 0 | 92257714.23143116 | 0.39700646104319476 | 90664109.2049995 | 0.4145465421122308 | 72338779.38893872 | 0.398510186747942 | 45065996.25738363 | 0.37258110134661837 Avoirs à l'étranger | 14746557.367395323 | 0.0636604594254353 | 0 | 0 | 0 | 0 | 0 | 0 | 14952300.432630884 | 0.06454864625644795 | 16945933.926280208 | 0.0774824610708735 | 16946757.402034957 | 0.09335871456644575 | 8704248.558392948 | 0.07196198428098478 Avoirs dans les banques locales | 3460.9788800075216 | 1.4940945203261613e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 7876.384950005764 | 3.389392140121269e-05 | 6.375926050532144e-09 | 2.915286015809267e-17 | 6.110186409205198e-09 | 3.366066648574707e-17 | 0 | 0 Autres liquidités | 1662741.72107421 | 0.007178007668654911 | 0 | 0 | 0 | 0 | 0 | 0 | 1924732.049203826 | 0.008282570901268833 | 1004094.24451486 | 0.004591053733040759 | 781780.364158288 | 0.004306783188053515 | 768548.975584686 | 0.006353944160620713 118740642.82957959 | 0.5125999029248488 | 0 | 0 | 0 | 0 | 0 | 0 | 120296885.68822795 | 0.5176655552271454 | 113952377.35382092 | 0.5210282703013603 | 95093718.23062791 | 0.5238658397440188 | 59156578.657064416 | 0.48907435890393247 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. | 7100000 | 0.030650493580280647 | 0 | 0 | 0 | 0 | 0 | 0 | 5500000 | 0 | 6200000 | 0 | 6800000 | 0 | 3300000 | 0 Autres Placements | 49889633.46556811 | 0.2153720972195704 | 0 | 0 | 0 | 0 | 0 | 0 | 47903911.75169052 | 0.20614170460538994 | 40211051.13067739 | 0.18385833542167773 | 33002607.99476046 | 0.1818094746173193 | 22023226.652763538 | 0.18207603787630583 Portefeuille net | 46073606.79762 | 0.1988984210381446 | 0 | 0 | 0 | 0 | 0 | 0 | 49966146.876399994 | 0.21501598330956523 | 52219581.492960006 | 0.2387653408639094 | 40850938.74394 | 0.22504547858275806 | 31336763.096040003 | 0.2590752823987051 Immobilisations | 4227954.076599999 | 0.018251954828528122 | 0 | 0 | 0 | 0 | 0 | 0 | 4103023.9034900004 | 0.01765626878001756 | 3322659.201209999 | 0.015192305914180184 | 3053038.18846 | 0.016819012276806992 | 2871992.87664 | 0.02374407220306056 Autres actifs | 5612067.0765289245 | 0.02422713040862735 | 0 | 0 | 0 | 0 | 0 | 0 | 4613439.317212492 | 0.01985270534634675 | 2801038.017682816 | 0.012807279911942032 | 2722733.8798898105 | 0.014999384785109456 | 2267644.210743792 | 0.018747646732935132 231643904.24589664 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 232383407.53702095 | 1 | 218706707.19635114 | 1 | 181523037.03767818 | 1 | 120956205.49325176 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 90797970.13969277 | 0.3919721973055165 | 0 | 0 | 0 | 0 | 0 | 0 | 91967749.65621388 | 0.3957586758493612 | 84937062.30569333 | 0.3883605738229065 | 70871141.36605118 | 0 | 44194623.05245058 | 0.36537706248495233 Épargne | 71737399.84585229 | 0.30968826949877765 | 0 | 0 | 0 | 0 | 0 | 0 | 74653581.77466455 | 0.3212517733770278 | 74716884.21933973 | 0.34163051136909206 | 61506483.11393759 | 0.3388356878425898 | 40334588.144952476 | 0.333464397138374 À terme | 28841175.67215339 | 0.12450651687142027 | 0 | 0 | 0 | 0 | 0 | 0 | 26741316.598868273 | 0.11507412203949251 | 27493980.195673734 | 0.1257116461956062 | 24309007.97476168 | 0.1339169307183635 | 18268271.05466571 | 0.15103211100388655 191376545.65769842 | 0.8261669836757143 | 0 | 0 | 0 | 0 | 0 | 0 | 193362648.0297467 | 0.8320845712658815 | 187147926.7207068 | 0.8557027313876048 | 156686632.45475045 | 0.8631776716154627 | 102797482.25206877 | 0.8498735706272129 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 | 8995317.705239644 | 0.038832525010849654 | 0 | 0 | 0 | 0 | 0 | 0 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 | 2886431.6421956066 | 0.023863444049231877 8995317.705239644 | 0.038832525010849654 | 0 | 0 | 0 | 0 | 0 | 0 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 | 2886431.6421956066 | 0.023863444049231877 Obligations à terme Banques locales | 3524057.6369899996 | 0.015213254363253659 | 0 | 0 | 0 | 0 | 0 | 0 | 3373557.81487 | 0.014517206071748298 | 4470933.526389999 | 0.020442599057449443 | 3968534.2379099997 | 0.021862427506026485 | 2260374.18273 | 0.018687542102634066 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5036074.119616184 | 0.021740585559593434 | 0 | 0 | 0 | 0 | 0 | 0 | 5253648.940368953 | 0.022607676666984048 | 2257564.6161708888 | 0.010322338281761455 | 1622216.4417192084 | 0.008936697337112588 | 614209.212395713 | 0.0050779470957360694 8560131.756606184 | 0.03695383992284709 | 0 | 0 | 0 | 0 | 0 | 0 | 8627206.755238954 | 0.03712488273873235 | 6728498.142560888 | 0.030764937339210898 | 5590750.6796292085 | 0.030799124843139077 | 2874583.395125713 | 0.023765489198370137 Autres passifs | 2502332.081881508 | 0.010802494846681616 | 0 | 0 | 0 | 0 | 0 | 0 | 2348766.46 | 0.010107289865890354 | 2172099.241515755 | 0.009931562087694374 | 1834504.3993485821 | 0.010106179520166356 | 1215810.4429473171 | 0.010051658267463988 211434327.2014258 | 0.9127558434560928 | 0 | 0 | 0 | 0 | 0 | 0 | 212978022.53353736 | 0.9164941025301382 | 202240335.22974062 | 0.924710256133904 | 168195543.56466982 | 0.9265796028399303 | 109774307.73233742 | 0.9075541621422789 AVOIR DES ACTIONNAIRES Capital versé | 12554050 | 0.054195468863594685 | 0 | 0 | 0 | 0 | 0 | 0 | 12561550 | 0.05405527930387553 | 6300687.5 | 0.028808844414375232 | 6301937.5 | 0.03471701224727706 | 6323450 | 0.052278839057602465 Réserves | 771720.2943599999 | 0.003331494074373728 | 0 | 0 | 0 | 0 | 0 | 0 | 771920.1329499999 | 0.0033217523623196954 | 2563395.56731 | 0.011720699379414218 | 1776025.1432 | 0.009784020652052862 | 2083872.4036499998 | 0.01722832156607509 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 | 6883806.747630001 | 0.029717193595229008 | 0 | 0 | 0 | 0 | 0 | 0 | 6071914.87697 | 0.02612886583136399 | 7602288.901760001 | 0.03476020008355206 | 5249530.83167 | 0.02891936427099537 | 2774575.35756 | 0.022938677236487844 20209577.04199 | 0.08724415653319742 | 0 | 0 | 0 | 0 | 0 | 0 | 19405385.00992 | 0.08350589749755921 | 16466371.96907 | 0.07528974387734151 | 13327493.47487 | 0.0734203971703253 | 11181897.76121 | 0.0924458378601654 231643904.2434158 | 0.9999999999892903 | 0 | 0 | 0 | 0 | 0 | 0 | 232383407.54345736 | 1.0000000000276974 | 218706707.1988106 | 1.0000000000112454 | 181523037.0395398 | 1.0000000000102556 | 120956205.49354741 | 1.0000000000024443 [unibkgdes&$] UNIBANK (UNIBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 2023 | Septembre 23 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 4064412.60912645 | 7152431.108 | 11216843.71712645 | 0.36234904502776455 | 2201121.762112065 | 8953140.8279 | 11154262.590012066 | 0.19733458346973382 Avoirs à la BRH | 66641523.83662361 | 24469515.20848 | 91111039.04510361 | 0.7314319377219854 | 71999193.64402115 | 20258520.58741 | 92257714.23143116 | 0.7804138032664573 Avoirs à l'étranger | 14746557.367395323 | 0 | 14746557.367395323 | 1 | 14952300.432630884 | 0 | 14952300.432630884 | 1 Avoirs dans les banques locales | 6.911136937560514e-09 | 3460.9788800006104 | 3460.9788800075216 | 0 | 2.5593633617972958e-09 | 7876.384950003205 | 7876.384950005764 | 0 Autres liquidités | 651037.85041421 | 1011703.87066 | 1662741.72107421 | 0.3915447854364349 | 1055573.627903826 | 869158.4212999999 | 1924732.049203826 | 0.5484262748887404 86103531.6635596 | 32637111.16602 | 118740642.82957959 | 0.7251395108845602 | 90208189.46666792 | 30088696.221560005 | 120296885.68822792 | 0.7498796743621399 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 7100000 | 7100000 | 0 | 0 | 5500000 | 5500000 | 0 Autres Placements | 37346488.994488105 | 12543144.471080001 | 49889633.46556811 | 0.7485821482385354 | 35602430.65604052 | 12301481.095650002 | 47903911.75169052 | 0.7432050818852829 Portefeuille net | 28844754.474480003 | 17228852.32314 | 46073606.79762 | 0.6260580944136117 | 30618269.817639995 | 19347877.05876 | 49966146.876399994 | 0.6127802868886336 Immobilisations | 0 | 4227954.076599999 | 4227954.076599999 | 0 | 0 | 4103023.9034900004 | 4103023.9034900004 | 0 Autres actifs | 1315850.4982089251 | 4296216.57832 | 5612067.076528925 | 0.23446806324039543 | 969579.94 | 3643859.3919300004 | 4613439.317212491 | 0.21016423395503434 153610625.63073665 | 78033278.61515999 | 231643904.24589664 | 0.663132604895463 | 157398469.88034844 | 74984937.67139001 | 232383407.55173844 | 0.677322324939679 | 0 0 PASSIF | 0 Dépôts | 0 À vue | 69208007.03512277 | 21589963.10457 | 90797970.13969277 | 0.762219760294709 | 70102734.62977387 | 21865015.026440002 | 91967749.65621388 | 0.7622534518005064 | 0 Épargne | 50919897.65874228 | 20817502.18711 | 71737399.84585229 | 0.7098096358128091 | 53850542.01283456 | 20803039.76183 | 74653581.77466455 | 0.7213390266441309 À terme | 23889117.68942339 | 4952057.982729999 | 28841175.67215339 | 0.8282990250112692 | 23584062.991408274 | 3157253.60746 | 26741316.598868273 | 0.8819335018234061 144017022.38328844 | 47359523.27441 | 191376545.65769845 | 0.7525322493848405 | 147537339.6340167 | 45825308.395729996 | 193362648.02974668 | 0.7630084772697141 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 | 4204063.766889644 | 4791253.93835 | 8995317.705239644 | 0.46736134338432944 | 4077341.44 | 4562059.89 | 8639401.288551686 | 0.47194722224594426 4204063.766889644 | 4791253.93835 | 8995317.705239644 | 0.46736134338432944 | 4077341.44 | 4562059.89 | 8639401.33 | 0.47194721998173456 Obligations à terme Banques locales | 0 | 3524057.6369899996 | 3524057.6369899996 | 0 | 0 | 3373557.81487 | 3373557.81487 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3008851.367826185 | 2027222.7517900001 | 5036074.119616185 | 0.5974597069781608 | 3522494.0744989538 | 1731154.8658699999 | 5253648.940368954 | 0.6704852407309072 3008851.367826185 | 5551280.38878 | 8560131.756606184 | 0.3514959177473102 | 3522494.0744989538 | 5104712.68074 | 8627206.755238954 | 0.4083006440479574 Autres passifs | 2303483.981991508 | 198848.09988999998 | 2502332.081881508 | 0.9205348877034395 | 2170952.78440578 | 177813.69 | 2348766.45693578 | 0.9242948689066441 153533421.49999577 | 57900905.70143 | 211434327.20142576 | 0.7261518199631325 | 157308127.9329214 | 55669894.65646999 | 212978022.5893914 | 0.7386120221249394 AVOIR DES ACTIONNAIRES Capital versé | 0 | 12554050 | 12554050 | 0 | 0 | 12561550 | 12561550 | 0 Réserves | 0 | 771720.2943599999 | 771720.2943599999 | 0 | 0 | 771920.1329499999 | 771920.1329499999 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 6883806.747630001 | 6883806.747630001 | 0 | 0 | 6071914.87697 | 6071914.87697 | 0 0 | 20209577.04199 | 20209577.04199 | 0 | 0 | 19405385.00992 | 19405385.00992 | 0 0 | 0 153533421.49999577 | 78110482.74342 | 231643904.24341577 | 0.6627993169147243 | 157308127.9329214 | 75075279.66639 | 232383407.5993114 | 0.6769335623314422 *Converties au taux de 131.7785 Gdes | *Converties au taux de 134.2581 Gdes #REF! [UNIBKRÉSULT ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2024 | 2023 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 | 1630574.18371 | 0 | 0 | 0 | 0 | 0 | 0 | 1297698.5610700003 | 0.07685120169029716 | 1397428.2549199993 | 0.08666366417997887 | 1518534.50792 | 0.10793629843453972 | 1682439.50175 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 756655.2505900001 | 0 | 0 | 0 | 0 | 0 | 0 | 501985.35482 | 0.24902334105907195 | 626991.4250400001 | 0.04660968171635753 | 656215.2958 | -0.008879125581638014 | 650388.67778 2387229.4343 | 0 | 0 | 0 | 0 | 0 | 0 | 1799683.9158900003 | 0.12487513061917886 | 2024419.6799599994 | 0.0742583789557762 | 2174749.80372 | 0.07268807452682624 | 2332828.1795300003 Dépenses d'intérêt | 322108.39846 | 0 | 0 | 0 | 0 | 0 | 0 | 226190.35097000003 | 0.32713640843951863 | 300185.45001000003 | 0.06116912928121024 | 318547.53261 | -0.19618143966762652 | 256054.41906 2065121.0358399998 | 0 | 0 | 0 | 0 | 0 | 0 | 1573493.5649200003 | 0.0957999882494995 | 1724234.2299499994 | 0.07653718901278722 | 1856202.27111 | 0.11882944698052737 | 2076773.7604700003 AUTRES REVENUS Commissions | 660580.3835099998 | 0 | 0 | 0 | 0 | 0 | 0 | 530123.7669000002 | 0.07621210378145836 | 570525.6144400006 | 0.09915420271800676 | 627095.6268699998 | 0.4394145053847172 | 902650.54158 Gains sur change | 538623.91848 | 0 | 0 | 0 | 0 | 0 | 0 | 841443.29414 | -0.18552543023062784 | 685334.1649799998 | 0.08203044266973167 | 741552.4299100001 | -0.387572365793315 | 454147.20028999995 Autres | 313443.26896 | 0 | 0 | 0 | 0 | 0 | 0 | 1330302.4551 | -0.21053812380504555 | 1050223.07211 | -1.0299924791565622 | -31498.793599999946 | 15.30535750010441 | 450601.50327 1512647.5709499998 | 0 | 0 | 0 | 0 | 0 | 0 | 2701869.51614 | -0.14648622453664462 | 2306082.8515300006 | -0.420164257197936 | 1337149.2631799998 | 0.3516809939689566 | 1807399.24514 0 PRODUIT NET BANCAIRE | 3577768.6067899996 | 0 | 0 | 0 | 0 | 0 | 0 | 4275363.08106 | -0.05731583375118747 | 4030317.08148 | -0.20766741927973878 | 3193351.53429 | 0.21633116927529109 | 3884173.0056100003 0 Dotation à la provision pour créances douteuses | 254514.85327000002 | 0 | 0 | 0 | 0 | 0 | 0 | 102422.978 | 0.09050602883270975 | 111692.875 | 0.10180073706581566 | 123063.29200000002 | 0.4969704812544748 | 184222.11544999998 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3323253.75352 | 0 | 0 | 0 | 0 | 0 | 0 | 4172940.1030599996 | -0.060944056300619 | 3918624.20648 | -0.21648821614156227 | 3070288.24229 | 0.20508258449387845 | 3699950.8901600004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1019987.8171300001 | 0 | 0 | 0 | 0 | 0 | 0 | 689496.1313700001 | 0.16168732825010704 | 800978.9186900002 | 0.378268323859923 | 1103963.87171 | 0.13034161642184502 | 1247856.3072199998 Frais de locaux | 91346.85015 | 0 | 0 | 0 | 0 | 0 | 0 | 78493.73190000001 | 0.02472640353592341 | 80434.59959 | 0.2574863729734394 | 101145.4129 | 0.4073161405819918 | 142343.57212 Amortissement | 185919.64401 | 0 | 0 | 0 | 0 | 0 | 0 | 135377.04871 | -0.08477721319354058 | 123900.15979 | 0.2444382063052381 | 154186.09261 | 0.16708754333092912 | 179948.66804000002 Autres dépenses d'exploitation | 979260.2081899999 | 0 | 0 | 0 | 0 | 0 | 0 | 709722.48378 | 0.22642127027472386 | 870418.7500999997 | 0.07612056604064231 | 936675.5180500001 | 0.21888899135191806 | 1141703.47742 2276514.5194800003 | 0 | 0 | 0 | 0 | 0 | 0 | 1613089.3957600002 | 0.1628198865483561 | 1875732.4281699997 | 0.22403966620654583 | 2295970.89527 | 0.1811351922564737 | 2711852.0248 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1046739.2340399995 | 0 | 0 | 0 | 0 | 0 | 0 | 2559850.7072999994 | -0.20194885878140176 | 2042891.7783100004 | -0.6209699626572679 | 774317.3470199998 | 0.2760903125349704 | 988098.8653600006 Impôts sur le revenu | 224616.16437 | 0 | 0 | 0 | 0 | 0 | 0 | 349994.16209999996 | -0.18721431593844293 | 284470.24445999996 | -0.15913401134776808 | 239201.35334999996 | -0.25810090392617746 | 177463.26783 BÉNÉFICE NET (PERTE NETTE) | 822123.0696699995 | 0 | 0 | 0 | 0 | 0 | 0 | 2209856.5451999996 | -0.20428249622381833 | 1758421.5338500005 | -0.6956838941238495 | 535115.9936699998 | 0.5148782826885768 | 810635.5975300006 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- déc. 23) | 2023 (oct22.- déc. 22) | 2023 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 | 1630574.18371 | 0.2565122846137176 | 1297698.5610700003 | 0 | 0 | 1397428.2549199993 | 0 | 0 | 1518534.50792 | 0 | 0 | 1682439.50175 | 1630574.18371 | 0.2565122846137176 | 1297698.5610700003 | 5896100.82566 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 756655.2505900001 | 0.5073253498826049 | 501985.35482 | 0 | 0 | 626991.4250400001 | 0 | 0 | 656215.2958 | 0 | 0 | 650388.67778 | 756655.2505900001 | 0.5073253498826049 | 501985.35482 | 2435580.75344 2387229.4343 | 0.3264715060363474 | 1799683.9158900003 | 0 | 0 | 2024419.6799599994 | 0 | 0 | 2174749.80372 | 0 | 0 | 2332828.1795300003 | 2387229.4343 | 0.3264715060363474 | 1799683.9158900003 | 8331681.5791 Dépenses d'intérêt | 322108.39846 | 0.42405897103330337 | 226190.35097000003 | 0 | 0 | 300185.45001000003 | 0 | 0 | 318547.53261 | 0 | 0 | 256054.41906 | 322108.39846 | 0.42405897103330337 | 226190.35097000003 | 1100977.7526500002 2065121.0358399998 | 0.31244326756747487 | 1573493.5649200003 | 0 | 0 | 1724234.2299499994 | 0 | 0 | 1856202.27111 | 0 | 0 | 2076773.7604700003 | 2065121.0358399998 | 0.31244326756747487 | 1573493.5649200003 | 7230703.82645 AUTRES REVENUS Commissions | 660580.3835099998 | 0.2460870927799929 | 530123.7669000002 | 0 | 0 | 570525.6144400006 | 0 | 0 | 627095.6268699998 | 0 | 0 | 902650.54158 | 660580.3835099998 | 0.2460870927799929 | 530123.7669000002 | 2630395.5497900005 Gains sur change | 538623.91848 | -0.3598809067335875 | 841443.29414 | 0 | 0 | 685334.1649799998 | 0 | 0 | 741552.4299100001 | 0 | 0 | 454147.20028999995 | 538623.91848 | -0.3598809067335875 | 841443.29414 | 2722477.08932 Autres | 313443.26896 | -0.7643819510680838 | 1330302.4551 | 0 | 0 | 1050223.07211 | 0 | 0 | -31498.793599999946 | 0 | 0 | 450601.50327 | 313443.26896 | -0.7643819510680838 | 1330302.4551 | 2799628.2368799997 1512647.5709499998 | -0.4401478080588328 | 2701869.51614 | 0 | 0 | 2306082.8515300006 | 0 | 0 | 1337149.2631799998 | 0 | 0 | 1807399.24514 | 1512647.5709499998 | -0.4401478080588328 | 2701869.51614 | 8152500.875990001 PRODUIT NET BANCAIRE | 3577768.6067899996 | -0.1631661360786799 | 4275363.08106 | 0 | 0 | 4030317.08148 | 0 | 0 | 3193351.53429 | 0 | 0 | 3884173.0056100003 | 3577768.6067899996 | -0.1631661360786799 | 4275363.08106 | 15383204.702440001 Dotation à la provision pour créances douteuses | 254514.85327000002 | 1.4849390072411293 | 102422.978 | 0 | 0 | 111692.875 | 0 | 0 | 123063.29200000002 | 0 | 0 | 184222.11544999998 | 254514.85327000002 | 1.4849390072411293 | 102422.978 | 521401.26045 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3323253.75352 | -0.20361815136453273 | 4172940.1030599996 | 0 | 0 | 3918624.20648 | 0 | 0 | 3070288.24229 | 0 | 0 | 3699950.8901600004 | 3323253.75352 | -0.20361815136453273 | 4172940.1030599996 | 14861803.441990001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1019987.8171300001 | 0.479323480906741 | 689496.1313700001 | 0 | 0 | 800978.9186900002 | 0 | 0 | 1103963.87171 | 0 | 0 | 1247856.3072199998 | 1019987.8171300001 | 0.479323480906741 | 689496.1313700001 | 3842295.22899 Frais de locaux | 91346.85015 | 0.16374706538828718 | 78493.73190000001 | 0 | 0 | 80434.59959 | 0 | 0 | 101145.4129 | 0 | 0 | 142343.57212 | 91346.85015 | 0.16374706538828718 | 78493.73190000001 | 402417.31651000003 Amortissement | 185919.64401 | 0.37334685444554616 | 135377.04871 | 0 | 0 | 123900.15979 | 0 | 0 | 154186.09261 | 0 | 0 | 179948.66804000002 | 185919.64401 | 0.37334685444554616 | 135377.04871 | 593411.96915 Autres dépenses d'exploitation | 979260.2081899999 | 0.3797790412027461 | 709722.48378 | 0 | 0 | 870418.7500999997 | 0 | 0 | 936675.5180500001 | 0 | 0 | 1141703.47742 | 979260.2081899999 | 0.3797790412027461 | 709722.48378 | 3658520.2293499997 2276514.5194800003 | 0.41127610500931355 | 1613089.3957600002 | 0 | 0 | 1875732.4281699997 | 0 | 0 | 2295970.89527 | 0 | 0 | 2711852.0248 | 2276514.5194800003 | 0.41127610500931355 | 1613089.3957600002 | 8496644.743999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1046739.2340399995 | -0.5910936403224675 | 2559850.7072999994 | 0 | 0 | 2042891.7783100004 | 0 | 0 | 774317.3470199998 | 0 | 0 | 988098.8653600006 | 1046739.2340399995 | -0.5910936403224675 | 2559850.7072999994 | 6365158.697990002 Impôts sur le revenu | 224616.16437 | -0.3582288258116062 | 349994.16209999996 | 0 | 0 | 284470.24445999996 | 0 | 0 | 239201.35334999996 | 0 | 0 | 177463.26783 | 224616.16437 | -0.3582288258116062 | 349994.16209999996 | 1051129.0277399998 BÉNÉFICE NET (PERTE NETTE) | 822123.0696699995 | -0.6279744622085436 | 2209856.5451999996 | 0 | 0 | 1758421.5338500005 | 0 | 0 | 535115.9936699998 | 0 | 0 | 810635.5975300006 | 822123.0696699995 | -0.6279744622085436 | 2209856.5451999996 | 5314029.670250002 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1630574.18371 | 0.2565122846137176 | 1297698.5610700003 | 5896100.82566 | 0.6069468825982995 | 3669132.37115 | 0.2527335499592418 | 2928900.85946 | -0.20732038161970853 | 3694936.50593 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6070 | -0.9394486533199493 | 100245.49961 Autres | 756655.2505900001 | 0.5073253498826049 | 501985.35482 | 2435580.75344 | 1.2553549290930437 | 1079910.18266 | 0.16670824884127314 | 925604.30916 | 0.6296654916553878 | 567971.9635099999 2387229.4343 | 0.3264715060363474 | 1799683.9158900003 | 8331681.5791 | 0.7543918557680149 | 4749042.55381 | 0.2301386053590538 | 3860575.1686199997 | -0.11518704221648808 | 4363153.9690499995 Dépenses d'intérêt | 322108.39846 | 0.42405897103330337 | 226190.35097000003 | 1100977.7526500002 | 0.3053190799927057 | 843454.8835799999 | 0.17727536132105284 | 716446.56067 | -0.3360523112683188 | 1079070.79553 2065121.0358399998 | 0.31244326756747487 | 1573493.5649200003 | 7230703.82645 | 0.8513740919363828 | 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996 | -0.04261602346081622 | 3284083.1735199997 AUTRES REVENUS Commissions | 660580.3835099998 | 0.2460870927799929 | 530123.7669000002 | 2630395.5497900005 | 0.27368200922791636 | 2065190.1579300002 | 0.2715738861321544 | 1624121.2409700002 | -0.01178813061304961 | 1643494.97439 Gains sur change | 538623.91848 | -0.3598809067335875 | 841443.29414 | 2722477.08932 | -0.0388297780549785 | 2832460.91812 | 0.2501682034465221 | 2265663.86052 | 1.4635173877282956 | 919686.57165 Autres | 313443.26896 | -0.7643819510680838 | 1330302.4551 | 2799628.2368799997 | 0.2525492928015777 | 2235144.15997 | -0.057890349172199214 | 2372488.33828 | 3.4863246301128887 | 528826.7198399999 1512647.5709499998 | -0.4401478080588328 | 2701869.51614 | 8152500.875990001 | 0.14296017286751403 | 7132795.236020001 | 0.13901050546939595 | 6262273.43977 | 1.0253094109978802 | 3092008.2658800003 PRODUIT NET BANCAIRE | 3577768.6067899996 | -0.1631661360786799 | 4275363.08106 | 15383204.702440001 | 0.39361035335437916 | 11038382.90625 | 0.1734968216594115 | 9406402.04772 | 0.4752614728193353 | 6376091.4394000005 Dotation à la provision pour créances douteuses | 254514.85327000002 | 1.4849390072411293 | 102422.978 | 521401.26045 | 3.7968290200286745 | -186425.86183 | -58.90937034940303 | -3111.7980499999976 | -1.024334766884677 | 127874.57815999999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3323253.75352 | -0.20361815136453273 | 4172940.1030599996 | 14861803.441990001 | 0.3240139541844603 | 11224808.76808 | 0.19292122335587583 | 9409513.84577 | 0.5059518667062748 | 6248216.86124 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1019987.8171300001 | 0.479323480906741 | 689496.1313700001 | 3842295.22899 | 0.2969862958212676 | 2962479.43511 | 0.34269215937793973 | 2206372.78204 | 0.017047780108070364 | 2169389.5067600003 Frais de locaux | 91346.85015 | 0.16374706538828718 | 78493.73190000001 | 402417.31651000003 | 0.40340510372852617 | 286743.51791999995 | -0.15228925644838956 | 338256.32162999996 | 0.11782574549255928 | 302602.01377 Amortissement | 185919.64401 | 0.37334685444554616 | 135377.04871 | 593411.96915 | 0.12983185285600465 | 525221.4899500001 | 0.1312687781199653 | 464276.48328 | 0.07762622415108102 | 430832.57708 Autres dépenses d'exploitation | 979260.2081899999 | 0.3797790412027461 | 709722.48378 | 3658520.2293499997 | 0.4346193216755654 | 2550167.96029 | 0.30674324416875764 | 1951544.7825500001 | -0.2996915775522413 | 2786693.29112 2276514.5194800003 | 0.41127610500931355 | 1613089.3957600002 | 8496644.743999999 | 0.3434253677912339 | 6324612.40327 | 0.2750076973167062 | 4960450.3695 | -0.12814215502252663 | 5689517.388730001 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1046739.2340399995 | -0.5910936403224675 | 2559850.7072999994 | 6365158.697990002 | 0.2989599240757782 | 4900196.36481 | 0.1013995172121529 | 4449063.4762699995 | 6.963249824243156 | 558699.4725099998 Impôts sur le revenu | 224616.16437 | -0.3582288258116062 | 349994.16209999996 | 1051129.0277399998 | 1.4514879746382214 | 428771.84739000007 | 0.14566598283601573 | 374255.54552000004 | 8.833428376545871 | -47776.72399999999 BÉNÉFICE NET (PERTE NETTE) | 822123.0696699995 | -0.6279744622085436 | 2209856.5451999996 | 5314029.670250002 | 0.1884422178094114 | 4471424.51742 | 0.09733381141157266 | 4074807.9307499994 | 5.718825823995572 | 606476.1965099997 [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 juin 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2018 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 680201000 | 7 | 4914939000 | 2 | 2769595000 | 11 | 8364735000 | 0.08131769864795478 | 0.5875785664459184 | 0.3311037349061267 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 815193000 | 6 | 1664694000 | 1 | 736271000 | 13 | 3216158000 | 0.2534679577309324 | 0.5176033018278331 | 0.22892874044123454 | 1 CAPITALBK | 3 | 571957550 | 5 | 1725597730 | 0 | 0 | 8 | 2297555280 | 0.2489418013045588 | 0.7510581986954412 | 0 | 1 SOGEBK | 13 | 5103768692.749999 | 2 | 1642143063.71 | 1 | 1238780228 | 16 | 7984691984.459999 | 0.6391941859101237 | 0.20566141648368888 | 0.15514439760618745 | 1 SOGEBL | 6 | 208059865.17 | 1 | 54029353.190000005 | 0 | 0 | 7 | 262089218.35999998 | 0.7938512941200562 | 0.2061487058799438 | 0 | 1 UNIBK | 5 | 5112220000 | 4 | 6240759000 | 0 | 0 | 9 | 11352979000 | 0.45029767076993626 | 0.5497023292300638 | 0 | 1 CBNA | 0 | 0 | 3 | 232620000 | 2 | 203124000 | 5 | 435744000 | 0 | 0.5338455606961886 | 0.4661544393038114 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2018 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 3 | 1045426000 | 6 | 4469337000 | 2 | 3498367000 | 11 | 9013130000 | 0.11598922904695705 | 0.49586958137739057 | 0.3881411895756524 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 858188000 | 5 | 1075711000 | 2 | 1076965000 | 15 | 3010864000 | 0.285030476301819 | 0.3572765159768093 | 0.3576930077213717 | 1 CAPITALBK | 6 | 1018505080 | 5 | 1676728270 | 0 | 0 | 11 | 2695233350 | 0.377891242700748 | 0.6221087572992521 | 0 | 1 SOGEBK | 13 | 4961236000 | 3 | 2731424000 | 0 | 0 | 16 | 7692660000 | 0.6449311421536894 | 0.35506885784631065 | 0 | 1 SOGEBL | 7 | 249099193.67999998 | 1 | 53645057.79 | 0 | 0 | 8 | 302744251.46999997 | 0.8228040415977448 | 0.1771959584022552 | 0 | 1 UNIBK | 5 | 4781519000 | 3 | 4644359000 | 0 | 0 | 8 | 9425878000 | 0.5072757147928288 | 0.49272428520717115 | 0 | 1 CBNA | 2 | 65962000 | 3 | 280270000 | 0 | 0 | 5 | 346232000 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 3 | 1056653000 | 7 | 5114509000 | 1 | 1425996000 | 11 | 7597158000 | 0.13908530005562605 | 0.6732134569269193 | 0.1877012430174547 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 832874000 | 5 | 1120713000 | 3 | 1307314000 | 16 | 3260901000 | 0.25541223115942496 | 0.3436820069054534 | 0.4009057619351216 | 1 CAPITALBK | 5 | 868935680 | 4 | 1492921740 | 0 | 0 | 9 | 2361857420 | 0.3679035290792448 | 0.6320964709207553 | 0 | 1 SOGEBK | 13 | 5115263701.09 | 3 | 2570954947.29 | 0 | 0 | 16 | 7686218648.38 | 0.6655110835505738 | 0.33448891644942624 | 0 | 1 SOGEBL | 7 | 274934541.44 | 0 | 0 | 0 | 0 | 7 | 274934541.44 | 1 | 0 | 0 | 1 UNIBK | 4 | 3708081000 | 3 | 4514574000 | 0 | 0 | 7 | 8222655000 | 0.45095908803178536 | 0.5490409119682147 | 0 | 1 CBNA | 0 | 0 | 4 | 392599000 | 2 | 234512000 | 6 | 627111000 | 0 | 0 | 0.3739561257895333 | 0.3739561257895333 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 320369000 | 6 | 3669300000 | 3 | 3362537000 | 10 | 7352206000 | 0.04357454075688304 | 0.4990746994847533 | 0.4573507597583637 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 577973000 | 7 | 1285049000 | 3 | 1272468000 | 16 | 3135490000 | 0.18433259235398614 | 0.40983992932524105 | 0.4058274783207728 | 1 CAPITALBK | 4 | 572627300 | 5 | 1582548240 | 0 | 0 | 9 | 2155175540 | 0.2656986817881202 | 0.7343013182118798 | 0 | 1 SOGEBK | 10 | 3558718351 | 3 | 2105115830 | 1 | 1074335019 | 14 | 6738169200 | 0.5281432159643602 | 0.3124165878767188 | 0.15944019615892102 | 1 SOGEBL | 7 | 271337489 | 0 | 0 | 0 | 0 | 7 | 271337489 | 1 | 0 | 0 | 1 UNIBK | 4 | 4593110000 | 1 | 1685502000 | 0 | 0 | 5 | 6278612000 | 0.7315486289007825 | 0.26845137109921746 | 0 | 1 CBNA | 1 | 40623000 | 4 | 408402000 | 0 | 0 | 5 | 449025000 | 0.09046935025889427 | 0.9095306497411058 | 0 | 1 [Non apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 454025000 | 5 | 2837413500 | 3 | 3371018000 | 10 | 6662456500 | 0.0681467863992808 | 0.42588097948556963 | 0.5059722341151496 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 550073000 | 6 | 1009142000 | 3 | 1199664000 | 15 | 2758879000 | 0.19938279279373977 | 0.36577972430106576 | 0.4348374829051945 | 1 CAPITALBK | 5 | 711931850 | 3 | 839336020 | 0 | 0 | 8 | 1551267870 | 0.4589354706353842 | 0.5410645293646158 | 0 | 1 SOGEBK | 12 | 4216569227.7999997 | 3 | 2232194985.83 | 1 | 1047560480.67 | 16 | 7496324694.299999 | 0.5624848708869513 | 0.2977719184879092 | 0.13974321062513959 | 1 SOGEBL | 8 | 303211655.82000005 | 0 | 0 | 0 | 0 | 8 | 303211655.82000005 | 1 | 0 | 0 | 1 UNIBK | 6 | 6325622000 | 1 | 1685502000 | 0 | 0 | 7 | 8011124000 | 0.7896048045193159 | 0.2103951954806841 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 3 | 337032000 | 3 | 337032000 | 0 | 0 | 1 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 478322500 | 5 | 2793614000 | 3 | 3683647000 | 10 | 6955583500 | 0.0687681342622082 | 0.40163618192492406 | 0.5295956838128677 | 1 BPH | 34 | 5340000 | 31 | 9793000 | 206 | 918277000 | 271 | 933410000 | 0.005720958635540652 | 0.010491638186863222 | 0.9837874031775962 | 1 BUH | 7 | 602774000 | 6 | 1221958000 | 2 | 840903000 | 15 | 2665635000 | 0.2261277331667689 | 0.45841159798697123 | 0.3154606688462599 | 1 CAPITALBK | 6 | 955477130 | 5 | 1335216710 | 0 | 0 | 11 | 2290693840 | 0.4171125417615826 | 0.5828874582384174 | 0 | 1 SOGEBK | 14 | 4614566512 | 2 | 1567495336 | 2 | 2020358013 | 18 | 8202419861 | 0.5625859917194502 | 0.1911015727752442 | 0.24631243550530557 | 1 SOGEBL | 6 | 225565628 | 2 | 138380347 | 0 | 0 | 8 | 363945975 | 0.6197777788310477 | 0.3802222211689523 | 0 | 1 UNIBK | 7 | 3873522000 | 3 | 4370137000 | 0 | 0 | 10 | 8243659000 | 0.46987897000591605 | 0.530121029994084 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 466480000 | 3 | 1568528000 | 3 | 3785905000 | 8 | 5820913000 | 0.08013863117349461 | 0.26946425758295994 | 0.6503971112435455 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 393381000 | 2 | 351447000 | 3 | 983322000 | 9 | 1728150000 | 0.22763128200677024 | 0.20336602725457859 | 0.5690026907386512 | 1 CAPITALBK | 6 | 904143070 | 5 | 1254438780 | 0 | 0 | 11 | 2158581850 | 0.4188597573911779 | 0.5811402426088221 | 0 | 1 SOGEBK | 11 | 3771563052.0900006 | 6 | 4529791118.53 | 0 | 0 | 17 | 8301354170.620001 | 0.4543310614837091 | 0.5456689385162908 | 0 | 1 SOGEBL | 7 | 284435888.55 | 1 | 85798355.44 | 0 | 0 | 8 | 370234243.99 | 0.7682592660382939 | 0.23174073396170616 | 0 | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 Septembre 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 226398500 | 1 | 708806000 | 2 | 2619224000 | 4 | 3554428500 | 0.06369476837134296 | 0.19941489890709577 | 0.7368903327215612 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 484377000 | 1 | 200731000 | 3 | 826881000 | 10 | 1511989000 | 0.32035748937326924 | 0.13275956372698478 | 0.5468829468997459 | 1 CAPITALBK | 2 | 302040090 | 5 | 1278507530 | 0 | 0 | 7 | 1580547620 | 0.19109838019306244 | 0.8089016198069375 | 0 | 1 SOGEBK | 10 | 3327371131.96 | 7 | 4583884954.53 | 0 | 0 | 17 | 7911256086.49 | 0.4205869580738424 | 0.5794130419261576 | 0 | 1 SOGEBL | 5 | 176908283.2 | 3 | 219364522.76 | 0 | 0 | 8 | 396272805.96 | 0.44643054113043834 | 0.5535694588695617 | 0 | 1 UNIBK | 6 | 3120313000 | 5 | 5385967000 | 0 | 0 | 11 | 8506280000 | 0.36682462839219965 | 0.6331753716078004 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 97224000 | 1 | 88661000 | 1 | 127206000 | 5 | 313091000 | 0.31052952655937094 | 0.28317965064470074 | 0.4062908227959283 | 1 [Non apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1230945500 | 1 | 702823000 | 2 | 2587443000 | 8 | 4521211500 | 0.27226010108131415 | 0.15545014870461157 | 0.5722897502140742 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 322994000 | 4 | 434584000 | 2 | 491450000 | 12 | 1249028000 | 0.2585962844708045 | 0.34793775639937613 | 0.39346595912981935 | 1 CAPITALBK | 5 | 682519230 | 3 | 670231790 | 0 | 0 | 8 | 1352751020 | 0.5045416487654912 | 0.49545835123450876 | 0 | 1 SOGEBK | 10 | 3343415364 | 5 | 3642683848 | 0 | 0 | 15 | 6986099212 | 0.47858114557792514 | 0.5214188544220749 | 0 | 1 SOGEBL | 7 | 245504616 | 2 | 151807320 | 0 | 0 | 9 | 397311936 | 0.6179140210879545 | 0.3820859789120456 | 0 | 1 UNIBK | 7 | 3440582000 | 4 | 4334581000 | 0 | 0 | 11 | 7775163000 | 0.4425093081649864 | 0.5574906918350137 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 108702000 | 1 | 89155000 | 0 | 0 | 4 | 197857000 | 0.5493967865680769 | 0.45060321343192306 | 0 | 1 [Non apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1039389500 | 1 | 353457000 | 1 | 777875000 | 7 | 2170721500 | 0.47882213356250447 | 0.16282927128146102 | 0.3583485951560345 | 1 BPH | 76 | 75085000 | 30 | 57800000 | 37 | 543349000 | 143 | 676234000 | 0.11103405034352014 | 0.0854733716435435 | 0.8034925780129364 | 1 BUH | 4 | 232268000 | 2 | 197998000 | 3 | 546034000 | 9 | 976300000 | 0.23790638123527605 | 0.2028044658404179 | 0.559289152924306 | 1 CAPITALBK | 4 | 338768270 | 5 | 985335970 | 0 | 0 | 9 | 1324104240 | 0.25584713028333783 | 0.7441528697166622 | 0 | 1 SOGEBK | 11 | 3483107611 | 4 | 2750016511 | 1 | 930603331 | 16 | 7163727453 | 0.4862144231270771 | 0.38388067232350637 | 0.12990490454941656 | 1 SOGEBL | 7 | 233005373 | 3 | 220375627 | 0 | 0 | 10 | 453381000 | 0.5139284023812202 | 0.48607159761877977 | 0 | 1 UNIBK | 8 | 2585024000 | 5 | 4931479000 | 0 | 0 | 13 | 7516503000 | 0.3439131202368974 | 0.6560868797631026 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 103023000 | 1 | 44550000 | 0 | 0 | 4 | 147573000 | 0.6981155089345612 | 0.3018844910654388 | 0 | 1 [Secteur d'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 | #REF! | #REF! Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 8286273.5200000005 | 17318.505549999998 | 824207.7830655519 | 1399903.2920797616 | 4400898.42492 | 3332400 | 159127.88071753603 | 80389.809165184 | #REF! | #REF! Industries Manufacturières ( 200 à 290 ) | 2224266.8099999996 | 2596.46861 | 3225229.919062481 | 9438956.73229649 | 7625424.396310001 | 2274874 | 9618.8578 | 193577.3528 | #REF! | #REF! Prêts aux Particuliers ( 1560 ) | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | #REF! | #REF! Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5558632.86 | 262865.42678000004 | 3152635.131892032 | 7160912.960058656 | 4475852.72382 | 1363093 | 4649498.076819712 | 0 | #REF! | #REF! Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2460776.96 | 129045.9157 | 389941.750138712 | 379529.79600407195 | 1394221.18309 | 59987 | 0 | 0 | #REF! | #REF! Bâtiments et Travaux Publics ( 600 ) | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | #REF! | #REF! Électricité, Gaz et Eau ( 300 à 500 ) | 1333322.96 | 0 | 778674.5079062879 | 1332440.07390016 | 78844.75991 | 173086 | 0 | 0 | #REF! | #REF! Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | #REF! | #REF! Total | 28950968.67 | 1216523.44256 | 14806560.216318712 | 44728796.560141556 | 38506824.5336 | 12026969 | 4883871.527565504 | 572780.700445184 | #REF! | #REF! 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 | #REF! | #REF! Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2862174877273286 | 0.01423606397058463 | 0.05566504110503465 | 0.031297584548188685 | 0.11428879109675472 | 0.2770772918762824 | 0.0325823232284854 | 0.14035006609458453 | #REF! | #REF! Industries Manufacturières ( 200 à 290 ) | 0.07682875261803802 | 0.0021343350396405857 | 0.21782438810520402 | 0.21102639592829273 | 0.1980278687913168 | 0.18914773955100408 | 0.0019695149116247894 | 0.3379606761358148 | #REF! | #REF! Prêts aux Particuliers ( 1560 ) | 0.140240084754304 | 0.018794561436387875 | 0.05585641340454803 | 0.091604453416525 | 0.04698445180415545 | 0.0287066508610773 | 0.013437436234316626 | 0 | #REF! | #REF! Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19200161912924346 | 0.21607921194419175 | 0.21292150815808167 | 0.16009625813272704 | 0.11623531096194373 | 0.11333636928805586 | 0.9520107256255732 | 0 | #REF! | #REF! Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08499808721598813 | 0.1060776234845432 | 0.026335742025277865 | 0.008485133184698204 | 0.03620711912698594 | 0.004987707210353664 | 0 | 0 | #REF! | #REF! Bâtiments et Travaux Publics ( 600 ) | 0.030153169310172166 | 0.07241743414710641 | 0.12421647748909265 | 0.10736602313061941 | 0.026735970739463894 | 0.03540226968241125 | 0 | 0.1563081161959789 | #REF! | #REF! Électricité, Gaz et Eau ( 300 à 500 ) | 0.04605451980546805 | 0 | 0.05258983156993409 | 0.029789311950492215 | 0.0020475528913375396 | 0.014391489659614155 | 0 | 0 | #REF! | #REF! Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007847061804587002 | 0.00044920272051120923 | 0.0009196703389317151 | 0 | 0 | 0 | #REF! | #REF! Total | 1 | 1 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | #REF! | #REF! [Non apparentés déc. 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 1271385500 | 1 | 407756000 | 1 | 777875000 | 8 | 2457016500 | 0.5174509410091467 | 0.16595574347994815 | 0.3165933155109052 | 1 BPH | 24 | 90763000 | 6 | 46317000 | 10 | 399638000 | 40 | 536718000 | 0.16910742699145548 | 0.08629671447575822 | 0.7445958585327863 | 1 BUH | 1 | 46070000 | 4 | 323444000 | 2 | 374868000 | 7 | 744382000 | 0.06189026601932879 | 0.43451346217399134 | 0.5035962718066799 | 1 CAPITALBK | 5 | 511418610 | 3 | 634341010 | 0 | 0 | 8 | 1145759620 | 0.44635768364746525 | 0.5536423163525348 | 0 | 1 SOGEBK | 9 | 2994096900.7200003 | 6 | 3362866544.34 | 1 | 915485203.34 | 16 | 7272448648.400001 | 0.41170409658082996 | 0.4624118652360452 | 0.1258840381831248 | 1 SOGEBL | 7 | 253504072.72 | 2 | 169656587.54 | 0 | 0 | 9 | 423160660.26 | 0.5990728735611696 | 0.40092712643883044 | 0 | 1 UNIBK | 4 | 2087539000 | 5 | 4653720000 | 0 | 0 | 9 | 6741259000 | 0.3096660430937307 | 0.6903339569062693 | 0 | 1 CBNA | 2 | 94433000 | 2 | 174253000 | 5 | 1850616000 | 9 | 2119302000 | 0.04455853861318491 | 0.08222188248772473 | 0.8732195788990904 | 1 SCOTIABK | 1 | 24375000 | 2 | 88351000 | 0 | 0 | 3 | 112726000 | 0.21623228004187145 | 0.7837677199581286 | 0 | 1 [Non apparentés sept. 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 920530500 | 2 | 921079000 | 0 | 0 | 7 | 1841609500 | 0.499851081350308 | 0.500148918649692 | 0 | 1 BPH | 18 | 80947000 | 6 | 48936000 | 9 | 376113000 | 33 | 505996000 | 0.15997557292943027 | 0.09671222697412628 | 0.7433122000964435 | 1 BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0 | 0 | 0 | 0 CAPITALBK | 4 | 316015870 | 5 | 887645820 | 0 | 0 | 9 | 1203661690 | 0.2625454250355015 | 0.7374545749644985 | 0 | 1 SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1 SOGEBL | 6 | 215643401 | 1 | 76305974 | 0 | 0 | 7 | 291949375 | 0.738632857152032 | 0.2613671428479681 | 0 | 1 UNIBK | 9 | 3799089000 | 5 | 3974975000 | 0 | 0 | 14 | 7774064000 | 0.488687641367501 | 0.511312358632499 | 0 | 1 CBNA | 0 | 0 | 4 | 293242000 | 4 | 500400000 | 8 | 793642000 | 0 | 0.36948901393827444 | 0.6305109860617255 | 1 SCOTIABK | 1 | 25000000 | 2 | 89970000 | 0 | 0 | 3 | 114970000 | 0.2174480299208489 | 0.7825519700791511 | 0 | 1 [Non apparentés juin 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés DéC. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 4 | 743386500 | 5 | 1533648500 | 1 | 936747000 | 10 | 3213782000 | 0.23131204916823855 | 0.4772098729783165 | 0.29147807785344493 | 1 BPH | 6 | 52193000 | 6 | 102341000 | 6 | 342508000 | 18 | 497042000 | 0.10500722272966873 | 0.20590010502130604 | 0.6890926722490253 | 1 BUH | 6 | 187647000 | 4 | 229489000 | 2 | 221504000 | 12 | 638640000 | 0.2938228109733183 | 0.359340160340724 | 0.34683702868595767 | 1 CAPITALBK | 1 | 69150020 | 6 | 844385210 | 0 | 0 | 7 | 913535230 | 0.07569496799811432 | 0.9243050320018857 | 0 | 1 SOGEBK | 7 | 2080407302 | 7 | 3998178183 | 0 | 0 | 14 | 6078585485 | 0.34225187868687185 | 0.6577481213131282 | 0 | 1 SOGEBL | 7 | 235730310 | 1 | 75635390 | 0 | 0 | 8 | 311365700 | 0.7570850289546986 | 0.24291497104530138 | 0 | 1 UNIBK | 9 | 3337704000 | 8 | 6149121000 | 0 | 0 | 17 | 9486825000 | 0.35182518914389166 | 0.6481748108561083 | 0 | 1 CBNA | 2 | 65458000 | 7 | 495504000 | 5 | 795024000 | 14 | 1355986000 | 0.04827335975445174 | 0.3654197019733242 | 0.586306938272224 | 1 SCOTIABK | 2 | 54012000 | 1 | 44550000 | 2 | 462008000 | 5 | 560570000 | 0.09635192750236367 | 0.0794726795939847 | 0.8241753929036516 | 1 [Non apparentés sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 807172000 | 5 | 1463639000 | 1 | 1178140000 | 11 | 3448951000 | 0.2340340584716918 | 0.42437222216262277 | 0.3415937193656854 | 1 BPH | 8 | 76137000 | 7 | 117733000 | 6 | 340386000 | 21 | 534256000 | 0.14251033212542302 | 0.22036813812105058 | 0.6371215297535264 | 1 BUH | 1 | 33168000 | 2 | 130533000 | 2 | 252370000 | 5 | 416071000 | 0.07971716365716429 | 0.3137277051272499 | 0.6065551312155858 | 1 CAPITALBK | 4 | 280073830 | 5 | 751688300 | 0 | 0 | 9 | 1031762130 | 0.2714519382485961 | 0.7285480617514039 | 0 | 1 SOGEBK | 6 | 1869211455 | 7 | 4003560114 | 0 | 0 | 13 | 5872771569 | 0.3182843795367107 | 0.6817156204632893 | 0 | 1 SOGEBL | 4 | 122658800 | 3 | 178547114 | 0 | 0 | 7 | 301205914 | 0.4072257359462072 | 0.5927742640537927 | 0 | 1 UNIBK | 8 | 3018748000 | 8 | 5327083000 | 0 | 0 | 16 | 8345831000 | 0.36170730032755277 | 0.6382926996724473 | 0 | 1 CBNA | 6 | 161979000 | 5 | 323317000 | 4 | 626030000 | 15 | 1111326000 | 0.14575291138693777 | 0.2909290343247616 | 0.5633180542883006 | 1 SCOTIABK | 1 | 25175000 | 2 | 75221000 | 2 | 517789000 | 5 | 618185000 | 0.040724055096775236 | 0.1216804031155722 | 0.8375955417876526 | 1 [Non apparentés juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 956102500 | 4 | 1379948000 | 1 | 1375804000 | 11 | 3711854500 | 0.2575808130410284 | 0.37176780501498646 | 0.37065138194398517 | 1 BPH | 7 | 60508000 | 8 | 133387000 | 8 | 436233000 | 23 | 630128000 | 0.09602493461645888 | 0.21168238834014677 | 0.6922926770433944 | 1 BUH | 1 | 18783000 | 2 | 116421000 | 2 | 225366000 | 5 | 360570000 | 0.05209252017638739 | 0.32288043930443466 | 0.625027040519178 | 1 CAPITALBK | 4 | 245223310 | 6 | 784515870 | 0 | 0 | 10 | 1029739180 | 0.23814118639246104 | 0.7618588136075389 | 0 | 1 SOGEBK | 7 | 2243937185 | 6 | 3516685009 | 0 | 0 | 13 | 5760622194 | 0.38953035096402994 | 0.6104696490359701 | 0 | 1 SOGEBL | 6 | 184614626 | 2 | 122450985 | 0 | 0 | 8 | 307065611 | 0.6012220821432199 | 0.39877791785678013 | 0 | 1 UNIBK | 7 | 2794933000 | 6 | 4111261000 | 0 | 0 | 13 | 6906194000 | 0.4046994625404383 | 0.5953005374595617 | 0 | 1 CBNA | 8 | 252666000 | 5 | 309401000 | 4 | 769098000 | 17 | 1331165000 | 0.18980817554548085 | 0.23242873723392668 | 0.5777630872205924 | 1 SCOTIABK | 2 | 55578000 | 1 | 44550000 | 2 | 527204000 | 5 | 627332000 | 0.08859423718222569 | 0.07101502872482195 | 0.8403907340929524 | 1 [Non apparentés mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 937491000 | 5 | 1276354000 | 1 | 1609063000 | 12 | 3822908000 | 0.24522980934932256 | 0.3338699231056567 | 0.4209002675450207 | 1 BPH | 9 | 77303000 | 9 | 173744000 | 6 | 320108000 | 24 | 571155000 | 0.1353450464409836 | 0.30419763461757315 | 0.5604573189414432 | 1 BUH | 0 | 0 | 2 | 120333000 | 0 | 0 | 2 | 120333000 | 0 | 1 | 0 | 1 CAPITALBK | 3 | 181318490 | 7 | 785771280 | 0 | 0 | 10 | 967089770 | 0.18748878917414255 | 0.8125112108258574 | 0 | 1 SOGEBK | 7 | 1966515369 | 8 | 4297521801 | 0 | 0 | 15 | 6264037170 | 0.3139373722777574 | 0.6860626277222426 | 0 | 1 SOGEBL | 7 | 173426563 | 3 | 153744093 | 0 | 0 | 10 | 327170656 | 0.5300798217062597 | 0.4699201782937404 | 0 | 1 UNIBK | 6 | 2329520000 | 7 | 4599670000 | 0 | 0 | 13 | 6929190000 | 0.3361893670111514 | 0.6638106329888486 | 0 | 1 CBNA | 6 | 144291000 | 7 | 382373000 | 4 | 848239000 | 17 | 1374903000 | 0.10494631257623264 | 0.27810907387648437 | 0.616944613547283 | 1 SCOTIABK | 2 | 54802000 | 1 | 44550000 | 2 | 527978000 | 5 | 627330000 | 0.08735753112396984 | 0.07101525512887953 | 0.8416272137471507 | 1 [Non apparentés déc. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DÉCEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 888868000 | 5 | 1290177000 | 1 | 1849250000 | 12 | 4028295000 | 0.22065613367442058 | 0.3202786786965701 | 0.4590651876290093 | 1 BPH | 9 | 131606000 | 5 | 143377000 | 3 | 219729000 | 17 | 494712000 | 0.26602548553501837 | 0.28981912708808355 | 0.4441553873768981 | 1 BUH | 8 | 129362000 | 2 | 53707000 | 3 | 196516000 | 13 | 379585000 | 0 | 0 | 0 | 0 CAPITALBK | 7 | 453439100 | 3 | 406075030 | 0 | 0 | 10 | 859514130 | 0.52755281638011 | 0.47244718361989 | 0 | 1 SOGEBK | 5 | 1697231868 | 6 | 3125726039 | 1 | 779466640 | 12 | 5602424547 | 0.3029459573728374 | 0.5579238083043477 | 0.13913023432281488 | 1 SOGEBL | 7 | 183773710 | 2 | 92676250 | 0 | 0 | 9 | 276449960 | 0.6647630189564867 | 0.33523698104351324 | 0 | 1 UNIBK | 6 | 2091605000 | 8 | 5010051000 | 1 | 1022161000 | 15 | 8123817000 | 0.25746579471201775 | 0.6167114547262696 | 0.12582275056171255 | 0.9999999999999999 CBNA | 6 | 132898000 | 5 | 222917000 | 7 | 920941000 | 18 | 1276756000 | 0.10409036652265585 | 0.17459639899871235 | 0.7213132344786318 | 1 SCOTIABK | 2 | 52540000 | 1 | 44550000 | 2 | 524083000 | 5 | 621173000 | 0.08458191196333388 | 0.07171915070358821 | 0.8436989373330779 | 1 [Non apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 7 | 818453500 | 5 | 1103273000 | 2 | 2351200000 | 14 | 4272926500 | 0.1915440155593596 | 0.2582007904886733 | 0.5502551939519671 | 1 BPH | 7 | 98725000 | 6 | 165900000 | 2 | 180898000 | 15 | 445523000 | 0.22159349797878 | 0.37237134783164955 | 0.4060351541895705 | 1 BUH | 5 | 78191820 | 2 | 51018829 | 0 | 0 | 7 | 129210649 | 0.6051499671671798 | 0.39485003283282016 | 0 | 1 CAPITALBK | 9 | 528081050 | 4 | 425166050 | 0 | 0 | 13 | 953247100 | 0.5539812814536755 | 0.44601871854632447 | 0 | 1 SOGEBK | 5 | 1408727705 | 6 | 3159970620 | 1 | 816660703 | 12 | 5385359028 | 0.2615847332880923 | 0.5867706504933881 | 0.15164461621851966 | 1 SOGEBL | 6 | 147806581 | 3 | 134909608 | 0 | 0 | 9 | 282716189 | 0.5228090457883189 | 0.4771909542116812 | 0 | 1 UNIBK | 6 | 2176665000 | 8 | 5254876000 | 0 | 0 | 14 | 7431541000 | 0.29289551117325463 | 0.7071044888267454 | 0 | 1 CBNA | 5 | 119947000 | 6 | 290928000 | 5 | 676619000 | 16 | 1087494000 | 0.11029670048754292 | 0.26752147598055714 | 0.6221818235319 | 1 SCOTIABK | 3 | 69873000 | 1 | 44550000 | 2 | 528614000 | 6 | 643037000 | 0.10866093241912984 | 0.06928061682298219 | 0.822058450757888 | 1 [Secteur d'activitésept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. | 0 Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 200 | Industrie alimentaire | 669613 | 1209.3 | 389022.28 | 90684.15 | 1637870.2 | 503318.08 | 16768.49 | 147583.78 | 3456069.28 210 | Industrie des boissons | 14 | 0 | 2991.73 | 775777.93 | 2464556.54 | 237266.08 | 0 | 71400 | 3552006.2800000003 220 | Industrie du bois | 18217 | 0 | 25.64 | 742.23 | 994.35 | 30378.34 | 0 | 0 | 50357.56 230 | Industrie chimique | 0 | 0 | 13946.18 | 299705.35 | 71244.26 | 45351.92 | 0 | 141796.18 | 572043.8899999999 240 | Industrie du textile | 51322 | 0 | 244352.44 | 731575.9 | 9943.26 | 117365.7 | 0 | 0 | 1154559.3 250 | Industrie pharmacie | 0 | 0 | 72686.73 | 517.59 | 17605.32 | 134784.95 | 0 | 0 | 225594.59 260 | Imprimerie, édition | 25590 | 0 | 2775.87 | 131320.68 | 33199.18 | 50305.62 | 0 | 0 | 243191.34999999998 270 | Sidérurgie, aciérie | 317501 | 0 | 116925.03 | 373105.58 | 0 | 363529.79 | 0 | 0 | 1171061.4000000001 280 | Industrie de la fabrication | 52833 | 3200.07 | 361798.65 | 1200274.99 | 611897.34 | 184895.04 | 0 | 1.11 | 2414900.1999999997 290 | Autres industries | 0 | 0 | 24745.01 | 4448.89 | 235395.55 | 109209.78 | 0 | 154217.4 | 528016.63 300 | Production et distribution de l'électricité | 747044 | 0 | 68965 | 1342068.25 | 125380 | 3408.81 | 0 | 0 | 2286866.06 400 | Production et distribution de gaz | 0 | 456.82 | 2.93 | 5843.82 | 197.81 | 93411.72 | 0 | 0 | 99913.1 500 | Traitement et distribution de l'eau | 0 | 1893.87 | 312811.71 | 25121.12 | 51194.1 | 0 | 0 | 0 | 391020.8 600 | Entrep/ batiment et corps/ métiers corresp. | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 700 | Commerce de gros(1) | 1252939 | 274002.05 | 1418628.14 | 4469159.84 | 4458634.31 | 1641378.41 | 0 | 132600 | 13647341.75 800 | Commerce de détail(2) | 113385 | 406375.8 | 613725.45 | 3741952.21 | 6290060.43 | 720882.22 | 93.11 | 33852.6 | 11920326.82 900 | Rest/débits/boissons, casinos/activités/loterie | 96077 | 1013.91 | 12286.63 | 1706.28 | 22265.82 | 29342.14 | 0 | 0 | 162691.78000000003 1000 | Hotels,motels et pensions | 901199 | 0 | 4112.18 | 1590510.53 | 26513.58 | 340954.28 | 118631.94 | 0 | 2981921.5100000002 1100 | Transport | 1583514 | 140227.64 | 126298.15 | 217554.29 | 864912.9 | 67489 | 0 | 0 | 2999995.98 1200 | Immobilier résidentiel / Avance Hypothécaire | 1708159 | 292817.95 | 1288768.4 | 245336.48 | 2571857.71 | 294918.04 | 2915350.4 | 0 | 9317207.979999999 1300 | Immobilier commercial | 1918481 | 25980.43 | 1169509.16 | 2815214.41 | 4074065.82 | 132290.9 | 957670.74 | 0 | 11093212.46 1400 | Télécommunications | 85375 | 0 | 19162.88 | 109098 | 147324.95 | 30603.88 | 0 | 0 | 391564.71 1500 | Services financiers | 157052 | 0 | 268773.08 | 1687293.83 | 3730110.94 | 1493343.68 | 0 | 128706.57 | 7465280.1 1510 | Services professionnels | 746533 | 26328.82 | 85110.33 | 109954.64 | 222195.89 | 162420.57 | 0 | 0 | 1352543.25 1520 | Services médicaux | 562 | 397.52 | 2268.01 | 3663.67 | 16572.78 | 48309 | 0 | 0 | 71772.98 1530 | Services d'agence ou de représentation | 1742 | 941.22 | 11760.56 | 12334.25 | 27475.5 | 9867.95 | 0 | 0 | 64121.479999999996 1540 | Services d'enseignement | 24811 | 0 | 16313.58 | 156343.37 | 9691.07 | 27585.99 | 0 | 0 | 234745.01 1550 | Autres services | 35275 | 10498.45 | 21504.73 | 669186.53 | 319218.96 | 367621.9 | 0 | 0 | 1423305.5699999998 1560 | Crédit à la consommation | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprise d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 14388284 | 1330577.7099999997 | 8574671.979999999 | 26416606.560000006 | 31758653.639999997 | 7903541.660000001 | 4129252.6599999997 | 812236.95 | 95313825.16 (1) Commerce de gros Import-export | 33547 | 48467.25 | 646849.78 | 960684.54 | 1866081.11 | 108136 | 0 | 0 | 3663765.68 Produits pétroliers | 0 | 0 | 80488.62 | 74623.57 | 21063.62 | 95992 | 0 | 0 | 272167.81 Produits pharmaceutiques | 0 | 0 | 14207.32 | 126756.56 | 106678.27 | 14926 | 0 | 0 | 262568.15 Produits alimentaires | 382121 | 13293.6 | 532945.56 | 1941057.5 | 1156711.21 | 614650 | 0 | 132600 | 4773378.87 Matériaux de construction | 0 | 104104.2 | 29465.09 | 371155.82 | 626894.44 | 697653 | 0 | 0 | 1829272.5499999998 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 837270 | 108136.99 | 114671.76 | 994881.84 | 681205.65 | 110021 | 0 | 0 | 2846187.2399999998 S-Total | 1252938 | 274002.04 | 1418628.1300000001 | 4469159.83 | 4458634.3 | 1641378 | - | 132600 | 13647340.300000003 (2) Commerce de détail Produits pétroliers | 19893 | 5361.76 | 2210.09 | 60790.06 | 124025.57 | 1081 | 0 | 0 | 213361.48 Produits pharmaceutiques | 9329 | 0 | 954.99 | 15980.58 | 2902.05 | 26309 | 0 | 0 | 55475.619999999995 Véhicules automobiles | 15408 | 0 | 92985.8 | 1126906.92 | 3809917.59 | 241294 | 0 | 0 | 5286512.31 Produits alimentaires | 2298 | 0 | 283293.83 | 540529.04 | 670830.56 | 102056 | 0 | 0 | 1599007.4300000002 Librairie ,papeterie | 1077 | 0 | 0 | 26802.12 | 22377.04 | 3 | 0 | 0 | 50259.16 Appareils électro- ménagers électroni.équip. inform. | 25378 | 0 | 37048.65 | 213057.23 | 251921.09 | 255725 | 0 | 33852.6 | 816982.57 Matériaux de construction | 0 | 0 | 0 | 161378.9 | 548251.68 | 108 | 0 | 0 | 709738.5800000001 Autres | 40003 | 396939.18 | 197232.09 | 1596507.36 | 859834.85 | 94306 | 93.11 | 0 | 3184915.59 S-Total | 113386 | 402300.94 | 613725.4500000001 | 3741952.21 | 6290060.429999999 | 720882 | 93.11 | 33852.6 | 11916252.74 [Secteur d'activité sept. 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507632 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 200 | Industrie alimentaire | 0.046538767235898316 | 0.0009088533431091373 | 0.04536876523176343 | 0.003432846296666803 | 0.051572406644376886 | 0.06368259973213071 | 0.004060901906641867 | 0.18170040158847736 | 0.036259894870428466 210 | Industrie des boissons | 9.730138771239155e-07 | 0 | 0.0003489031425316401 | 0.02936705470621204 | 0.07760267698804124 | 0.030020222604861927 | 0 | 0.0879053827826966 | 0.03726643300735619 220 | Industrie du bois | 0.0012660995571118834 | 0 | 2.9902018479312143e-06 | 2.8097098630521446e-05 | 3.1309576636070525e-05 | 0.003843636347707946 | 0 | 0 | 0.0005283342675154052 230 | Industrie chimique | 0 | 0 | 0.0016264388926513784 | 0.011345338748157512 | 0.0022433022762107244 | 0.005738176877023002 | 0 | 0.17457489467820936 | 0.0060016885172715475 240 | Industrie du textile | 0.003566929871553828 | 0 | 0.028497001467804258 | 0.02769378793367621 | 0.0003130882093652885 | 0.014849760404755047 | 0 | 0 | 0.012113240634943373 250 | Industrie pharmaceutique | 0 | 0 | 0.00847691085671128 | 1.959335688421594e-05 | 0.0005543471772942577 | 0.017053740689715047 | 0 | 0 | 0.002366861151793061 260 | Imprimerie, édition | 0.0017785303654000713 | 0 | 0.000323729001701124 | 0.004971141153264008 | 0.001045358546251018 | 0.006364946521962155 | 0 | 0 | 0.0025514803292362165 270 | Sidérurgie, aciérie | 0.022066634214337164 | 0 | 0.013636093633986454 | 0.014123902672834445 | 0 | 0.04599580866889489 | 0 | 0 | 0.012286375014686277 280 | Industrie de la fabrication | 0.003671945869291988 | 0.002405023003128469 | 0.04219387643560915 | 0.04543638060679054 | 0.01926710580795263 | 0.023393947669784282 | 0 | 1.3665962869578884e-06 | 0.025336305577351354 290 | Autres industries | 0 | 0 | 0.002885825843567721 | 0.0001684126229421346 | 0.0074120128853170115 | 0.013817828095056816 | 0 | 0.18986750110297249 | 0.005539769588657646 300 | Production et distribution de l'électricité | 0.051920298487297026 | 0 | 0.008042873262190959 | 0.05080396102170663 | 0.003947900355639888 | 0.0004313015792972994 | 0 | 0 | 0.02399301524370801 400 | Production et distribution de gaz | 0 | 0.00034332455486572075 | 3.4170403332443285e-07 | 0.0002212176642267408 | 6.228538597456741e-06 | 0.011818969775633471 | 0 | 0 | 0.0010482540159549715 500 | Traitement et distribution de l'eau | 0 | 0.0014233441502638732 | 0.03648089521437298 | 0.0009509593877223567 | 0.0016119732461051522 | 0 | 0 | 0 | 0.00410245627372112 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06893504465160682 | 0.07180656889254519 | 0.07264523371306854 | 0.08243512220443197 | 0.04205770040319631 | 0.052922483108667505 | 0 | 0 | 0.05919327485313989 700 | Commerce de gros(1) | 0.08708050244212583 | 0.20592713070475233 | 0.1654440127049618 | 0.16917993724323382 | 0.14039116269035892 | 0.20767631532924694 | 0 | 0.16325285373929369 | 0.1431832341959908 800 | Commerce de détail(2) | 0.007880369889835368 | 0.3054130525003309 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09121002343144477 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12506398520875395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006677446733745316 | 0.0007620073539335031 | 0.0014328979614214934 | 6.459118797581091e-05 | 0.0007010945820434976 | 0.0037125305669610397 | 0 | 0 | 0.0017069064191568748 1000 | Hotels,motels et pensions | 0.06263422378929968 | 0 | 0.0004795728640805687 | 0.06020873749955262 | 0.0008348458439247616 | 0.043139429722446734 | 0.028729639420998765 | 0 | 0.0312852989059494 1100 | Transport | 0.11005579261571428 | 0.10538853833647946 | 0.014729210667718162 | 0.008235512366278735 | 0.027233928421658372 | 0.008539083224114997 | 0 | 0 | 0.03147493005305381 1200 | Immobilier résidentiel | 0.11871874366672218 | 0.22006828146850593 | 0.15029944037579385 | 0.009287206494247002 | 0.08098132052930442 | 0.03731466887719295 | 0.7060237384456877 | 0 | 0.0977529541423768 1300 | Immobilier commercial | 0.13333633114275475 | 0.019525676557440606 | 0.13639112524978478 | 0.10656987314422112 | 0.1282820697055217 | 0.01673817962768858 | 0.231923502593324 | 0 | 0.11638618470487583 1400 | Télécommunications | 0.005933647125675306 | 0 | 0.002234823681266931 | 0.004129902141374815 | 0.004638891549685984 | 0.003872172921525411 | 0 | 0 | 0.0041081627911029065 1500 | Services financiers | 0.010915269673576084 | 0 | 0.031344998459054765 | 0.0638724669713974 | 0.11745179698996838 | 0.18894613886301698 | 0 | 0.15845938799016718 | 0.07832316127768763 1510 | Services professionnels | 0.051884783480782 | 0.01978751019359854 | 0.009925782607021665 | 0.004162330227777749 | 0.00699638884313863 | 0.02055035286547727 | 0 | 0 | 0.014190420410990041 1520 | Services médicaux | 3.9059557067402894e-05 | 0.00029875744724447553 | 0.0002645010800751355 | 0.00013868813890530228 | 0.000521835093762495 | 0.00611232306707421 | 0 | 0 | 0.0007530175174432166 1530 | Services d'agence ou de représentation | 0.00012107072671070435 | 0.0007073769483181859 | 0.0013715463433972667 | 0.0004669127343054163 | 0.0008651342815551422 | 0.0012485478567085834 | 0 | 0 | 0.0006727406007718345 1540 | Services d'enseignement | 0.0017243890932372478 | 0 | 0.0019025310866760414 | 0.005918374475725998 | 0.00030514738155631717 | 0.003490332712436161 | 0 | 0 | 0.0024628642235891987 1550 | Autres services | 0.0024516474653961517 | 0.007890144199093794 | 0.00250793616947199 | 0.02533203984698328 | 0.010051400906930892 | 0.04651356516035622 | 0 | 0 | 0.014932834429955428 1560 | Crédit à la consommation | 0.20080149933098346 | 0.03734441034639007 | 0.1495670450124904 | 0.1292061625041668 | 0.05435874736911549 | 0.031002913698818912 | 0.029239668758849938 | 0.0025599795724634295 | 0.1020708808367376 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000004 | 1.0000000000000004 | 0.9999999999999998 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.002331549752562571 | 0.03642571917126134 | 0.07543726238260139 | 0.03636668993869437 | 0.058758193314897726 | 0.013681967483929221 | 0 | 0 | 0.03843897434448533 Produits pétroliers | 0 | 0 | 0.009386787061678364 | 0.0028248734306773123 | 0.0006632403325017024 | 0.012145441136322167 | 0 | 0 | 0.0028554914205061164 Produits pharmaceutiques | 0 | 0 | 0.0016568937019559322 | 0.004798366501469369 | 0.003359029989408582 | 0.0018885204433780384 | 0 | 0 | 0.002754775076535183 Produits alimentaires | 0.026557788267176266 | 0.009990848260940733 | 0.06215346327452168 | 0.0734786845385034 | 0.036421922135361655 | 0.07776893276981853 | 0 | 0.16325285373929369 | 0.05008065579140377 Matériaux de construction | 0 | 0.07823984966650314 | 0.003436293547872837 | 0.014050094555369716 | 0.019739326707805614 | 0.08827093346402376 | 0 | 0 | 0.019192100903822333 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.05819109492139577 | 0.08127070609051465 | 0.013373311570106267 | 0.037661227899969896 | 0.02144944989550886 | 0.013920468156297413 | 0 | 0 | 0.029861221446334827 S-Total | 0.0870804329411346 | 0.20592712318921985 | 0.16544401153873647 | 0.16917993686468405 | 0.14039116237548416 | 0.20767626345376913 | - | 0.16325285373929369 | 0.14318321898308756 (2) Commerce de détail Produits pétroliers | 0.0013825832184018608 | 0.004029648144338749 | 0.000257746302733787 | 0.0023012062454701595 | 0.0039052527668802027 | 0.00013677412563926433 | 0 | 0 | 0.0022385155526161867 Produits pharmaceutiques | 0.0006483747471206434 | 0 | 0.00011137335658174065 | 0.0006049444679316902 | 9.137824395505453e-05 | 0.0033287608431483862 | 0 | 0 | 0.0005820311996384051 Véhicules automobiles | 0.0010708712727660922 | 0 | 0.010844239898259061 | 0.04265903409813284 | 0.11996470735778962 | 0.03052985742090717 | 0 | 0 | 0.05546427604941587 Produits alimentaires | 0.00015971327783076842 | 0 | 0.033038445162773454 | 0.020461713686513713 | 0.021122764447265154 | 0.01291269210568063 | 0 | 0 | 0.016776238151346903 Librairie ,papeterie | 7.485256754731835e-05 | 0 | 0 | 0.0010145936019119025 | 0.0007045966196695486 | 3.7957666689897596e-07 | 0 | 0 | 0.0005273018884262771 Appareils électro- ménagers électroni.équip. inform. | 0.0017637961552607662 | 0 | 0.004320707554343089 | 0.008065276269156048 | 0.00793236051048164 | 0.032355747714246874 | 0 | 0.04167823194943298 | 0.008571501234249698 Matériaux de construction | 0 | 0 | 0 | 0.006108994341625988 | 0.017263064304132766 | 1.3664760008363135e-05 | 0 | 0 | 0.0074463340319055145 Autres | 0.0027802481518991425 | 0.29832093008682675 | 0.023001706707852402 | 0.06043574735361466 | 0.02707403341925801 | 0.011932119049524943 | 2.2548874497788665e-05 | 0 | 0.03341504324953482 S-Total | 0.007880439390826593 | 0.3023505782311655 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09120999559582253 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12502124135713366 [Secteur d'activité sept. 17glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1366324 | 680377.85 | 2032353.5899999999 | 8211112.05 | 10748694.739999998 | 2362260.63 | 93.11 | 166452.6 | 25567668.569999997 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 1963251 | 39179.920000000006 | 422129.10000000003 | 4230993.1 | 4374044.54 | 2479445.51 | 118631.94 | 128706.57 | 13756381.68 Industries Manufacturières ( 200 à 290 ) | 1135090 | 4409.37 | 1229269.56 | 3608153.2900000005 | 5082705.999999999 | 1776405.3000000003 | 16768.49 | 514998.47 | 13367800.48 Prêts aux Particuliers ( 1560 ) | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3626640 | 318798.38 | 2458277.5599999996 | 3060550.89 | 6645923.529999999 | 427208.93999999994 | 3873021.1399999997 | 0 | 20410420.439999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1668889 | 140227.64 | 145461.03 | 326652.29000000004 | 1012237.8500000001 | 98092.88 | 0 | 0 | 3391560.69 Bâtiments et Travaux Publics ( 600 ) | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 Électricité, Gaz et Eau ( 300 à 500 ) | 747044 | 2350.69 | 381779.64 | 1373033.1900000002 | 176771.91 | 96820.53 | 0 | 0 | 2777799.9600000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 Total | 14388284 | 1330577.7100000002 | 8574671.979999999 | 26416606.560000002 | 31758653.64 | 7903541.659999999 | 4129252.6599999997 | 812236.9500000001 | 95313825.16 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0949608723319612 | 0.511340183205083 | 0.23701823168750535 | 0.3108314473075909 | 0.33844932035979086 | 0.29888633876069176 | 2.2548874497788665e-05 | 0.20493108568872667 | 0.2682472194047447 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 0.1364478905198146 | 0.029445796142188493 | 0.04922976657119892 | 0.16016414108262356 | 0.1377276439228801 | 0.3137132208144772 | 0.028729639420998765 | 0.15845938799016715 | 0.14432724378554362 Industries Manufacturières ( 200 à 290 ) | 0.07888988012747038 | 0.003313876346237605 | 0.14336053470817436 | 0.13658655519605847 | 0.16004160811144508 | 0.22476066761189192 | 0.004060901906641867 | 0.6340495467486427 | 0.14025038295923953 Prêts aux Particuliers ( 1560 ) | 0.20080149933098346 | 0.03734441034639006 | 0.1495670450124904 | 0.12920616250416683 | 0.05435874736911548 | 0.03100291369881892 | 0.029239668758849938 | 0.002559979572463429 | 0.1020708808367376 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2520550748094769 | 0.23959395802594646 | 0.2866905656255786 | 0.11585707963846814 | 0.20926339023482607 | 0.05405284850488154 | 0.9379472410390116 | 0 | 0.2141391388472526 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11598943974138959 | 0.10538853833647942 | 0.016964034348985094 | 0.012365414507653553 | 0.031872819971344356 | 0.01241125614564041 | 0 | 0 | 0.035583092844156713 Bâtiments et Travaux Publics ( 600 ) | 0.06893504465160682 | 0.07180656889254516 | 0.07264523371306854 | 0.08243512220443198 | 0.042057700403196306 | 0.05292248310866752 | 0 | 0 | 0.05919327485313989 Électricité, Gaz et Eau ( 300 à 500 ) | 0.051920298487297026 | 0.0017666687051295935 | 0.04452411018059726 | 0.05197613807365574 | 0.005566102140342496 | 0.012250271354930772 | 0 | 0 | 0.029143725533384107 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507633 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 Total | 1.0000000000000002 | 0.9999999999999998 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 [Secteur d'activité juin 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 | AU30 JUIN 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 200 | Industrie alimentaire | 609570 | 9972.45242 | 371053.16452 | 48864.158 | 1724057.33 | 523157.321 | 43416.32 | 135436.28663 | 0 | 3465527.03257 210 | Industrie des boissons | 1307 | 0 | 3027.3905600000003 | 849453.487 | 2600850.86 | 203609.831 | 0 | 71400 | 0 | 3729648.5685599996 220 | Industrie du bois | 27907 | 0 | 0 | 817.606 | 0 | 31393.975 | 0 | 0 | 0 | 60118.581 230 | Industrie chimique | 0 | 0 | 14168.43999 | 404534.91 | 91629.49 | 62229.462 | 0 | 130125.0597 | 0 | 702687.3616899999 240 | Industrie du textile | 59082 | 0 | 250866.77469999998 | 696720.091 | 9880.72 | 61351.985 | 0 | 0 | 0 | 1077901.5707 250 | Industrie pharmacie | 0 | 0 | 59866.315729999995 | 708.214 | 22889.06 | 165573.769 | 0 | 0 | 0 | 249037.35872999998 260 | Imprimerie, édition | 99127 | 0 | 6327.462219999999 | 141081.008 | 108963.26 | 82874.736 | 0 | 0 | 0 | 438373.46622000006 270 | Sidérurgie, aciérie | 317516 | 0 | 129658.77097 | 386674.73 | 81786.02 | 282135.054 | 0 | 0 | 0 | 1197770.57497 280 | Industrie de la fabrication | 54661 | 3160.19415 | 275856.32536 | 1226333.304 | 730077.65 | 121965.937 | 0 | 0 | 0 | 2412054.41051 290 | Autres industries | 0 | 0 | 18155.116710000002 | 4660.112 | 120219.35 | 86933.632 | 0 | 0 | 0 | 229968.21071 300 | Production et distribution de l'électricité | 364177 | 0 | 223889.13402 | 1487434.441 | 124703.2 | 3823.731 | 0 | 173337.448 | 0 | 2377364.95402 400 | Production et distribution de gaz | 0 | 900.74772 | 0 | 4816.642 | 240.09 | 96366.808 | 0 | 0 | 0 | 102324.28772000001 500 | Traitement et distribution de l'eau | 0 | 2379.72675 | 308654.47486 | 22457.285 | 39184.68 | 10.434 | 0 | 0 | 0 | 372686.60060999996 600 | Entrep/ batiment et corps/ métiers corresp. | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 700 | Commerce de gros(1) | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.857 | 3696800.26 | 1285858.518 | 0 | 132600 | 0 | 12090633.242619999 800 | Commerce de détail(2) | 116979 | 406132.4997 | 329560.08626999997 | 4107586.302 | 3986175.3 | 609134.5 | 220.68 | 44893.152 | 0 | 9600681.519970002 900 | Rest/débits/boissons, casinos/activités/loterie | 95929 | 1126.51548 | 14313.146279999999 | 2278.352 | 22559.24 | 32921.555 | 0 | 0 | 0 | 169127.80875999999 1000 | Hotels,motels et pensions | 824739 | 0 | 4176.98035 | 1600853.994 | 30806.5 | 341924.623 | 309105.4 | 0 | 0 | 3111606.49735 1100 | Transport | 1577751 | 143148.1405 | 139417.12642 | 275079.046 | 911747.53 | 69870.234 | 0 | 0 | 0 | 3117013.07692 1200 | Immobilier résidentiel / Avance Hypothécaire | 1593406 | 298031.35456999997 | 1214025.8549000002 | 229209.937 | 2691718.91 | 337077.682 | 2667528.76 | 0 | 0 | 9030998.49847 1300 | Immobilier commercial | 1957568 | 26547.4025 | 920305.7325299999 | 1477381.976 | 4065714.14 | 144639.911 | 956784.02 | 0 | 0 | 9548941.18203 1400 | Télécommunications | 98110 | 0 | 19090.70193 | 123031.754 | 167269.05 | 32574.53 | 0 | 0 | 0 | 440076.03593 1500 | Services financiers | 82268 | 0 | 113665.87138 | 1637522.969 | 3562884.73 | 1558213.491 | 0 | 118623.69665000001 | 0 | 7073178.758030001 1510 | Services professionnels | 773411 | 26514.18563 | 70716.96675 | 111139.543 | 248781.66 | 146381.1 | 0 | 0 | 0 | 1376944.45538 1520 | Services médicaux | 0 | 500.01556 | 4511.57466 | 1788.5 | 14886.98 | 45770.503 | 0 | 0 | 0 | 67457.57321999999 1530 | Services d'agence ou de représentation | 896 | 941.2188100000001 | 8.02929 | 11909.261 | 25005.99 | 1450.141 | 0 | 0 | 0 | 40210.640100000004 1540 | Services d'enseignement | 23517 | 0 | 15569.11289 | 129217.094 | 12500.25 | 17408.36 | 0 | 0 | 0 | 198211.81689000002 1550 | Autres services | 339871 | 10341.215380000001 | 19119.24896 | 1885328.328 | 325091.95 | 381844.191 | 0 | 0 | 0 | 2961595.9333400005 1560 | Crédit à la consommation | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975277 | 1358964.8256599999 | 7865247.5116799995 | 24926869.562000006 | 29117389.459999997 | 7250826.757999999 | 4066488.88 | 809624.61268 | 0 | 89370688.61002 (1) Commerce de gros Import-export | 49739 | 36742.859079999995 | 731204.49127 | 829095.211 | 1499586.78 | 128551 | 0 | 0 | 0 | 3274919.3413500004 Produits pétroliers | 0 | 0 | 82156.21687 | 0 | 6225.5 | 83036 | 0 | 0 | 0 | 171417.71687 Produits pharmaceutiques | 0 | 0 | 11928.65419 | 0 | 112608.9 | 15850 | 0 | 0 | 0 | 140387.55419 Produits alimentaires | 759826 | 13664.00651 | 520685.40427999996 | 1935565.17 | 945829.52 | 505682 | 0 | 132600 | 0 | 4813852.10079 Matériaux de construction | 0 | 103596.16662999999 | 35617.69318 | 0 | 673613.14 | 440618 | 0 | 0 | 0 | 1253444.99981 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 178329 | 112699.47312000001 | 112637.64249 | 1461887.477 | 458936.43 | 112121 | 0 | 0 | 0 | 2436611.02261 S-Total | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.858 | 3696800.2700000005 | 1285858 | - | 132600 | 0 | 12090632.735619998 (2) Commerce de détail Produits pétroliers | 21023 | 5456.08876 | 2346.23014 | 135878.049 | 132821.41 | 16887 | 0 | 0 | 314411.7779 Produits pharmaceutiques | 10132 | 0 | 1378.041 | 2918.275 | 2608.75 | 22571 | 0 | 0 | 0 | 39608.066 Véhicules automobiles | 16750 | 0 | 121821.91031 | 1136821.984 | 1772200 | 173620 | 0 | 0 | 0 | 3221213.89431 Produits alimentaires | 2629 | 0 | 64379.304509999994 | 896311.734 | 544816.54 | 96606 | 0 | 0 | 0 | 1604742.5785100001 Librairie ,papeterie | 1083 | 0 | 0 | 34696.289 | 25067.93 | 12906 | 0 | 0 | 0 | 73753.219 Appareils électro- ménagers électroni.équip. inform. | 25799 | 0 | 36362.946200000006 | 543477.312 | 276184.12 | 197742 | 0 | 44893.152 | 0 | 1124458.5302000002 Matériaux de construction | 0 | 0 | 7904.55363 | 166653.601 | 509612.29 | 363 | 0 | 0 | 0 | 684533.44463 Autres | 39564 | 400676.41094 | 95367.10048000001 | 1190829.058 | 722864.25 | 88439 | 220.68 | 0 | 0 | 2537960.4994200002 S-Total | 116980 | 406132.4997 | 329560.08627 | 4107586.301999999 | 3986175.2900000005 | 609134 | 220.68 | 44893.152 | 0 | 9600682.00997 [Secteur d'activité juin 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698842 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 200 | Industrie alimentaire | 0.043617740099176565 | 0.007338271183845205 | 0.04717628580270119 | 0.001960300625734866 | 0.05921057354294839 | 0.07215140265526118 | 0.010676611022725827 | 0.16728281787491864 | #DIV/0! | 0.038776998213499884 210 | Industrie des boissons | 9.352229655269087e-05 | 0 | 0.0003849072207205538 | 0.03407782452935675 | 0.08932294097219524 | 0.0280809123973832 | 0 | 0.08818901856707818 | #DIV/0! | 0.041732346774620704 220 | Industrie du bois | 0.0019968834964773866 | 0 | 0 | 3.280018768367155e-05 | 0 | 0.004329709707291286 | 0 | 0 | #DIV/0! | 0.0006726879017608875 230 | Industrie chimique | 0 | 0 | 0.0018013978541628441 | 0.016228869373019743 | 0.0031468992138143424 | 0.008582395370478385 | 0 | 0.16072270736590274 | #DIV/0! | 0.007862615502004944 240 | Industrie du textile | 0.004227608511802664 | 0 | 0.03189559824118178 | 0.027950565122791083 | 0.00033934086067618233 | 0.008461377860436258 | 0 | 0 | #DIV/0! | 0.012061018970140829 250 | Industrie pharmacie | 0 | 0 | 0.007611498003222111 | 2.841167031578018e-05 | 0.0007860958837482267 | 0.022835157220839508 | 0 | 0 | #DIV/0! | 0.0027865664078824005 260 | Imprimerie, édition | 0.007093025776877267 | 0 | 0.000804483547479419 | 0.0056597964557519986 | 0.003742205672307548 | 0.011429694677032858 | 0 | 0 | #DIV/0! | 0.004905114563152765 270 | Sidérurgie, aciérie | 0.022719835893056 | 0 | 0.016485021072439866 | 0.015512366245518041 | 0.0028088376573852376 | 0.03891074265272082 | 0 | 0 | #DIV/0! | 0.01340227532761462 280 | Industrie de la fabrication | 0.003911264155980593 | 0.00232544219712619 | 0.035072809209163426 | 0.04919724480243179 | 0.02507359566017908 | 0.016820969672931747 | 0 | 0 | #DIV/0! | 0.026989323323168026 290 | Autres industries | 0 | 0 | 0.0023082702334592023 | 0.00018695135337427811 | 0.004128781880159665 | 0.011989478565886873 | 0 | 0 | #DIV/0! | 0.0025731950182625828 300 | Production et distribution de l'électricité | 0.026058660590412626 | 0 | 0.028465618365794795 | 0.05967193101806627 | 0.0042827740505827615 | 0.0005273510356293083 | 0 | 0.21409607030871075 | #DIV/0! | 0.026601170820042853 400 | Production et distribution de gaz | 0 | 0.000662819009728629 | 0 | 0.00019323092247984375 | 8.245588098817154e-06 | 0.013290457932080137 | 0 | 0 | #DIV/0! | 0.0011449423665795464 500 | Traitement et distribution de l'eau | 0 | 0.0017511319682937732 | 0.03924281777549199 | 0.000900926806879722 | 0.0013457483904534071 | 1.4390083156362733e-06 | 0 | 0 | #DIV/0! | 0.004170121170669993 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07244636367493824 | 0.07379896766738807 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.04623042836186323 | 0 | 0 | #DIV/0! | 0.05658228691753691 700 | Commerce de gros(1) | 0.07068868831723335 | 0.19625416368703458 | 0.18997877689939802 | 0.16955790804326265 | 0.1269619402205846 | 0.17733957256409189 | 0 | 0.16377960591028803 | #DIV/0! | 0.13528633862696265 800 | Commerce de détail(2) | 0.008370424428796652 | 0.2988543132474059 | 0.04190079025238542 | 0.164785485469136 | 0.13690016082918446 | 0.08400897171180215 | 5.4267946258345606e-05 | 0.05544934195045746 | #DIV/0! | 0.10742539493976327 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006864193103292336 | 0.0008289511683666223 | 0.0018197960405880148 | 9.140144912032012e-05 | 0.0007747686320228244 | 0.004540386372309462 | 0 | 0 | #DIV/0! | 0.0018924304085650497 1000 | Hotels,motels et pensions | 0.059014143333259154 | 0 | 0.0005310678835977033 | 0.06422202314728025 | 0.0010580103701370762 | 0.04715663943049624 | 0.0760128477223329 | 0 | #DIV/0! | 0.0348168571345341 1100 | Transport | 0.11289586603542813 | 0.10533616308316013 | 0.017725713807857115 | 0.011035442910944049 | 0.03131281845347135 | 0.009636174788331635 | 0 | 0 | #DIV/0! | 0.034877353250812135 1200 | Immobilier résidentiel | 0.11401605850102291 | 0.21930762955932798 | 0.15435316601253238 | 0.009195295720142138 | 0.09244368949001242 | 0.046488172073356274 | 0.6559783731659927 | 0 | #DIV/0! | 0.10105101167876053 1300 | Immobilier commercial | 0.14007364576745063 | 0.01953501812462798 | 0.11700912541701115 | 0.05926865274138588 | 0.13963182192501403 | 0.019948057763263416 | 0.23528504521571444 | 0 | #DIV/0! | 0.10684645413999191 1400 | Télécommunications | 0.007020254410699695 | 0 | 0.0024272220170630417 | 0.004935708180041865 | 0.005744644458246705 | 0.004492526312818023 | 0 | 0 | #DIV/0! | 0.004924165213164307 1500 | Services financiers | 0.005886681172759581 | 0 | 0.014451658541095449 | 0.065693085324133 | 0.12236278032048552 | 0.21490149234096487 | 0 | 0.14651691017314147 | #DIV/0! | 0.07914427949520102 1510 | Services professionnels | 0.05534137176672777 | 0.019510575350707125 | 0.008991066923829715 | 0.004458624165524085 | 0.008544092194177082 | 0.020188194379143657 | 0 | 0 | #DIV/0! | 0.015407114757596494 1520 | Services médicaux | 0 | 0.0003679385592317745 | 0.0005736087330119301 | 7.174988401778678e-05 | 0.0005112745433601107 | 0.006312452983309852 | 0 | 0 | #DIV/0! | 0.0007548064613707903 1530 | Services d'agence ou de représentation | 6.411321936588448e-05 | 0.0006925998320397176 | 1.0208566212412762e-06 | 0.0004777680153690531 | 0.0008587991734063925 | 0.00019999664154160448 | 0 | 0 | #DIV/0! | 0.00044993096422770205 1540 | Services d'enseignement | 0.0016827573435574837 | 0 | 0.0019794816204931447 | 0.005183847641943222 | 0.00042930531314190146 | 0.0024008793177678627 | 0 | 0 | #DIV/0! | 0.0022178615827267672 1550 | Autres services | 0.024319446405248354 | 0.007609626963654228 | 0.002430851531577062 | 0.07563438013388195 | 0.011164872814116628 | 0.0526621589156992 | 0 | 0 | #DIV/0! | 0.03313833628678066 1560 | Crédit à la consommation | 0.211597451699884 | 0.04582638839806217 | 0.1494116300669333 | 0.08158870514973811 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.003559070779062197 | 0.02703738786039243 | 0.0929664947204969 | 0.033261104405341045 | 0.05150141574539355 | 0.017729150659704675 | 0 | 0 | #DIV/0! | 0.03664422186160514 Produits pétroliers | 0 | 0 | 0.010445471264317736 | 0 | 0.00021380694201835225 | 0.011451935451137972 | 0 | 0 | #DIV/0! | 0.001918052994063885 Produits pharmaceutiques | 0 | 0 | 0.0015166279474721914 | 0 | 0.0038674105779536463 | 0.0021859576195931507 | 0 | 0 | #DIV/0! | 0.0015708456136284052 Produits alimentaires | 0.05436929801105195 | 0.010054716834458086 | 0.06620076526603581 | 0.07764974920680333 | 0.03248332139456846 | 0.06974128839060591 | 0 | 0.16377960591028803 | #DIV/0! | 0.053863880604029316 Matériaux de construction | 0 | 0.07623167625378906 | 0.004528489806214902 | 0 | 0.023134393312469713 | 0.06076796684100283 | 0 | 0 | #DIV/0! | 0.014025236006399834 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.012760319527119212 | 0.082930382738395 | 0.01432092789486047 | 0.05864705447123564 | 0.015761592591618273 | 0.01546320216191821 | 0 | 0 | #DIV/0! | 0.02726409587423514 S-Total | 0.07068868831723335 | 0.19625416368703458 | 0.189978776899398 | 0.16955790808338 | 0.126961940564022 | 0.17733950112396274 | - | 0.16377960591028803 | #DIV/0! | 0.13528633295396172 (2) Commerce de détail Produits pétroliers | 0.0015042993423314615 | 0.004014885931539969 | 0.000298303408318151 | 0.00545106751820696 | 0.004561583729285325 | 0.002328975793190507 | 0 | 0 | #DIV/0! | 0.0035180637274931886 Produits pharmaceutiques | 0.0007249945743472562 | 0 | 0.00017520631079360062 | 0.00011707346535197468 | 8.959422696817548e-05 | 0.003112886399484984 | 0 | 0 | #DIV/0! | 0.00044318855114605497 Véhicules automobiles | 0.0011985451164939342 | 0 | 0.01548863022162911 | 0.04560628767171946 | 0.06086397279655029 | 0.023944855641246866 | 0 | 0 | #DIV/0! | 0.03604329276644788 Produits alimentaires | 0.0001881179170903017 | 0 | 0.008185286529685918 | 0.03595765331746232 | 0.018711036604034902 | 0.01332344617024706 | 0 | 0 | #DIV/0! | 0.0179560279043221 Librairie ,papeterie | 7.749399171121975e-05 | 0 | 0 | 0.001391923238243003 | 0.0008609264245490504 | 0.0017799349551084669 | 0 | 0 | #DIV/0! | 0.000825250651495271 Appareils électro- ménagers électroni.équip. inform. | 0.0018460456991299706 | 0 | 0.004623242453082441 | 0.021802870619121343 | 0.009485195105811523 | 0.02727164868224535 | 0 | 0.05544934195045746 | #DIV/0! | 0.012581961129411382 Matériaux de construction | 0 | 0 | 0.0010049974420082307 | 0.006685701170196541 | 0.017501991059331732 | 5.006325652443619e-05 | 0 | 0 | #DIV/0! | 0.007659484952801986 Autres | 0.0028309993426248368 | 0.29483942731586593 | 0.012125123886867968 | 0.04777290846883438 | 0.024825860539216076 | 0.01219709185610086 | 0 | 0 | #DIV/0! | 0.028398130739427367 S-Total | 0.00837049598372898 | 0.2988543132474059 | 0.04190079025238542 | 0.16478548546913596 | 0.13690016048574707 | 0.08400890275414853 | - | 0.05544934195045746 | #DIV/0! | 0.10742540042254523 [Secteur d'activité juin 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1104873 | 672835.00504 | 1823790.18855 | 8334134.159 | 7682975.56 | 1894993.018 | 220.68 | 177493.152 | #REF! | #REF! Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2140631 | 39423.15086 | 242080.93056 | 5380038.041 | 4242517.300000001 | 2525913.9639999997 | 309105.4 | 118623.69665000001 | #REF! | #REF! Industries Manufacturières ( 200 à 290 ) | 1169170 | 13132.646569999999 | 1128979.76076 | 3759847.62 | 5490353.739999998 | 1621225.7019999998 | 43416.32 | 336961.34633 | #REF! | #REF! Prêts aux Particuliers ( 1560 ) | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | #REF! | #REF! Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3550974 | 324578.75707 | 2134331.5874300003 | 1706591.913 | 6757433.050000001 | 481717.593 | 3624312.78 | 0 | #REF! | #REF! Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1675861 | 143148.1405 | 158507.82835 | 398110.8 | 1079016.58 | 102444.764 | 0 | 0 | #REF! | #REF! Bâtiments et Travaux Publics ( 600 ) | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | #REF! | #REF! Électricité, Gaz et Eau ( 300 à 500 ) | 364177 | 3280.4744699999997 | 532543.60888 | 1514708.368 | 164127.97 | 100200.973 | 0 | 173337.448 | #REF! | #REF! Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | #REF! | #REF! Total | 13975277 | 1358964.82566 | 7865247.51168 | 24926869.562000003 | 29117389.459999997 | 7250826.758 | 4066488.88 | 809624.6126799999 | #REF! | #REF! Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07905911274603 | 0.4951084769344404 | 0.23187956715178343 | 0.33434339351239867 | 0.26386210104976904 | 0.261348544275894 | 5.4267946258345606e-05 | 0.21922894786074554 | #REF! | #REF! Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15317270634421057 | 0.029009691873999464 | 0.030778552130814256 | 0.2158328797612697 | 0.14570390336084754 | 0.34836220038123267 | 0.0760128477223329 | 0.14651691017314147 | #REF! | #REF! Industries Manufacturières ( 200 à 290 ) | 0.08365988022992317 | 0.009663713380971392 | 0.14354027118453036 | 0.15083513036597804 | 0.18855927134341385 | 0.22359184078026206 | 0.010676611022725827 | 0.4161945438078996 | #REF! | #REF! Prêts aux Particuliers ( 1560 ) | 0.211597451699884 | 0.04582638839806216 | 0.14941163006693328 | 0.08158870514973812 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #REF! | #REF! Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25408970426847355 | 0.23884264768395594 | 0.27136229142954355 | 0.06846394846152803 | 0.23207551141502647 | 0.06643622983661969 | 0.8912634183817072 | 0 | #REF! | #REF! Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11991612044612783 | 0.1053361630831601 | 0.020152935824920157 | 0.015971151090985916 | 0.037057462911718055 | 0.014128701101149657 | 0 | 0 | #REF! | #REF! Bâtiments et Travaux Publics ( 600 ) | 0.07244636367493824 | 0.07379896766738805 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.046230428361863224 | 0 | 0 | #REF! | #REF! Électricité, Gaz et Eau ( 300 à 500 ) | 0.026058660590412626 | 0.0024139509780224016 | 0.06770843614128677 | 0.06076608874742584 | 0.005636768029134986 | 0.01381924797602508 | 0 | 0.2140960703087108 | #REF! | #REF! Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698844 | 0.024898835831280598 | 0 | 0 | 0 | #REF! | #REF! Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1 | #REF! | #REF! [Secteur d'activité mars 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 200 | Industrie alimentaire | 523212 | 9972.45242 | 464970.92687 | 55414.358 | 1913902.01 | 386914.111 | 44995.29 | 184954.59248 | 0 | 3584335.7407700005 210 | Industrie des boissons | 1331 | 0 | 3055.86105 | 834659.013 | 2718960.41 | 333050.647 | 0 | 71400 | 0 | 3962456.93105 220 | Industrie du bois | 44017 | 0 | 0 | 1051.747 | 0 | 991.602 | 0 | 0 | 0 | 46060.349 230 | Industrie chimique | 0 | 0 | 222109.5366 | 433994.653 | 61440.75 | 55546.066 | 0 | 119166.13831000001 | 0 | 892257.1439099999 240 | Industrie du textile | 64303 | 0 | 247815.51309 | 730422.098 | 5284.23 | 217422.907 | 0 | 0 | 0 | 1265247.74809 250 | Industrie pharmacie | 0 | 0 | 47148.35615 | 800.878 | 7628.26 | 31600.515 | 0 | 0 | 0 | 87178.00915 260 | Imprimerie, édition | 41967 | 0 | 5263.05221 | 118588.597 | 76742.56 | 46702.109 | 0 | 0 | 0 | 289263.31821 270 | Sidérurgie, aciérie | 347036 | 0 | 111607.91109000001 | 422318.217 | 28183.54 | 318281.09 | 0 | 0 | 0 | 1227426.7580900001 280 | Industrie de la fabrication | 55908 | 3394.46677 | 321179.81545999995 | 1171284.903 | 292027.96 | 181265.127 | 0 | 0 | 0 | 2025060.27223 290 | Autres industries | 0 | 0 | 21251.54249 | 5416.283 | 80611.15 | 68902.872 | 0 | 0 | 0 | 176181.84749000001 300 | Production et distribution de l'électricité | 296388 | 0 | 306439.91486 | 1339357.622 | 138704.6 | 876.901 | 0 | 154999.488 | 0 | 2236766.52586 400 | Production et distribution de gaz | 0 | 1185.8063 | 6.80819 | 6298.239 | 0.07 | 110875.898 | 0 | 0 | 0 | 118366.82149 500 | Traitement et distribution de l'eau | 0 | 3798.0301600000003 | 319352.14338 | 25944.744 | 39538.65 | 5.978 | 0 | 0 | 0 | 388639.5455400001 600 | Entrep/ batiment et corps/ métiers corresp. | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 700 | Commerce de gros(1) | 1089800 | 292766.93299 | 1184121.93706 | 3828757.024 | 3541554.01 | 1370639.3369200001 | 0 | 132600 | 0 | 11440239.24097 800 | Commerce de détail(2) | 126197 | 444857.24362 | 339706.2093800001 | 4398770.173 | 4303131.71 | 554792.245 | 405.82 | 87187.212 | 0 | 10255047.612999998 900 | Rest/débits/boissons, casinos/activités/loterie | 103048 | 1198.96598 | 16240.107800000002 | 2425.967 | 21114.32 | 34803.577 | 0 | 0 | 0 | 178830.93777999998 1000 | Hotels,motels et pensions | 757020 | 0 | 4350.06168 | 1724013.987 | 35129.74 | 924164.178 | 312725.91000000003 | 0 | 0 | 3757403.87668 1100 | Transport | 1682081 | 151023.80558000001 | 163931.50694999998 | 266738.96 | 995635.39 | 55721.531 | 0 | 0 | 0 | 3315132.1935300003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1511434 | 310319.12106 | 1152123.3084500001 | 239667.465 | 1904251.69 | 344674.54 | 2635371.2899999996 | 0 | 0 | 8097841.4145100005 1300 | Immobilier commercial | 1848627 | 28082.340170000003 | 805056.85733 | 1854782.489 | 4649712.84 | 175311.469 | 1114063.6 | 0 | 0 | 10475636.5955 1400 | Télécommunications | 192710 | 0 | 2938.3977200000004 | 113027.28 | 144004.78 | 37532.952 | 0 | 0 | 0 | 490213.40972000005 1500 | Services financiers | 72402 | 98560.46883 | 204117.46637 | 1303982.227 | 2477238.61 | 1492414.609 | 0 | 192546.40399000002 | 0 | 5841261.785189999 1510 | Services professionnels | 885078 | 27616.084059999997 | 68746.83884 | 111606.882 | 253282.38 | 170984.052 | 0 | 0 | 0 | 1517314.2369000001 1520 | Services médicaux | 0 | 726.99936 | 5303.1562699999995 | 1764.553 | 15148.5 | 43153.913 | 0 | 0 | 0 | 66097.12163000001 1530 | Services d'agence ou de représentation | 197 | 941.2188100000001 | 24.3436 | 11741.925 | 16999.53 | 25457.8691 | 0 | 0 | 0 | 55361.88651 1540 | Services d'enseignement | 19646 | 0 | 14784.77707 | 108118.604 | 4931.29 | 18782.085 | 0 | 0 | 0 | 166262.75607 1550 | Autres services | 410555 | 16261.32726 | 8530.9971 | 682177.252 | 311839.48 | 345835.75 | 0 | 0 | 0 | 1775199.8063599998 1560 | Crédit à la consommation | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975928 | 1574069.79752 | 7929638.260180001 | 25495776.707000002 | 27070843.17 | 7932130.917330001 | 4281302.13 | 947192.2773200001 | 0 | 89206881.25935 (1) Commerce de gros Import-export | 72728 | 38183.3037 | 666032.88226 | 724339.424 | 1583283.47 | 72806 | 0 | 0 | 0 | 3157373.07996 Produits pétroliers | 0 | 0 | 83198.24827 | 79168.312 | 6500 | 91439 | 0 | 0 | 0 | 260305.56027000002 Produits pharmaceutiques | 0 | 0 | 13546.61458 | 138099.056 | 106996.22 | 12345 | 0 | 132600 | 0 | 403586.89058 Produits alimentaires | 851929 | 14220.03849 | 341582.52309 | 1728509.078 | 1082427.61 | 516619 | 0 | 0 | 0 | 4535287.2495800005 Matériaux de construction | 0 | 114106.28513 | 44988.68958 | 431752.057 | 341807.83 | 502303 | 0 | 0 | 0 | 1434957.86171 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 165143 | 126257.30567 | 34772.97928 | 726889.096 | 420538.88 | 175128 | 0 | 0 | 0 | 1648729.26095 S-Total | 1089800 | 292766.93299 | 1184121.9370600001 | 3828757.023 | 3541554.01 | 1370640 | - | 132600 | 0 | 11440239.903050002 (2) Commerce de détail Produits pétroliers | 22734 | 6200.22997 | 2476.4245699999997 | 147369.864 | 120955.58 | 21242 | 0 | 0 | 320978.09854 Produits pharmaceutiques | 7326 | 0 | 989.3670400000001 | 10516.502 | 1108.99 | 23402 | 0 | 0 | 0 | 43342.85904 Véhicules automobiles | 16787 | 0 | 145359.40511000002 | 1422244.901 | 1877548.64 | 121303 | 0 | 0 | 0 | 3583242.94611 Produits alimentaires | 1951 | 0 | 92111.01670000001 | 903080.429 | 672661.29 | 106597 | 0 | 0 | 0 | 1776400.7357 Librairie ,papeterie | 1139 | 0 | 0 | 32795.299 | 24650.85 | 14356 | 0 | 0 | 0 | 72941.149 Appareils électro- ménagers électroni.équip. inform. | 29230 | 0 | 40828.98966 | 321399.463 | 337126.19 | 188066 | 0 | 87187.212 | 0 | 1003837.85466 Matériaux de construction | 0 | 0 | 12379.362539999998 | 172785.243 | 373019.59 | 41 | 0 | 0 | 0 | 558225.19554 Autres | 47030 | 434149.11415 | 45561.64376 | 1388578.472 | 896060.59 | 79785 | 0 | 0 | 0 | 2891164.81991 S-Total | 126197 | 440349.34411999997 | 339706.20938 | 4398770.173 | 4303131.72 | 554792 | - | 87187.212 | 0 | 10250133.6585 [Secteur d'activité mars 17 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2.9327706052851012e-06 | 0.00015950202446209398 | 0.026392422486188855 | 2.772268918552085e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 200 | Industrie alimentaire | 0.03743665536914615 | 0.006335457573553558 | 0.05863709183367531 | 0.002173472047422885 | 0.07069975611697948 | 0.048778079312165136 | 0.010509720789081523 | 0.19526615335517014 | #DIV/0! | 0.04018003645200092 210 | Industrie des boissons | 9.52351786586193e-05 | 0 | 0.0003853720623481042 | 0.03273714790461119 | 0.10043870421491567 | 0.04198753783455035 | - | 0.0753806821588751 | #DIV/0! | 0.044418736257912664 220 | Industrie du bois | 0.0031494867460679535 | 0 | 0 | 4.125181248984022e-05 | 0 | 0.00012501079600609754 | - | 0 | #DIV/0! | 0.0005163317935764322 230 | Industrie chimique | 0 | 0 | 0.02801004652574885 | 0.017022217365154614 | 0.0022696282348563432 | 0.007002666317400761 | - | 0.12580987109309047 | #DIV/0! | 0.010002111174764112 240 | Industrie du textile | 0.0046009824893202085 | 0 | 0.03125180556273883 | 0.028648748629786152 | 0.0001952000522043584 | 0.027410403240442957 | - | 0 | #DIV/0! | 0.01418329763610457 250 | Industrie pharmacie | 0 | 0 | 0.00594583946997473 | 3.141218285694017e-05 | 0.0002817887847857529 | 0.003983862007491539 | - | 0 | #DIV/0! | 0.0009772565515046817 260 | Imprimerie, édition | 0.0030028059675178635 | 0 | 0.0006637190799017016 | 0.004651303561481257 | 0.0028348788221360744 | 0.005887712833630359 | - | 0 | #DIV/0! | 0.003242612163169661 270 | Sidérurgie, aciérie | 0.02483098081215072 | 0 | 0.014074779634079618 | 0.016564242064610265 | 0.0010411031464004452 | 0.04012554675624734 | - | 0 | #DIV/0! | 0.013759328212826076 280 | Industrie de la fabrication | 0.004000306813257767 | 0.0021564906304333497 | 0.0405037159226869 | 0.04594034990424188 | 0.010787545780015688 | 0.02285200898587978 | - | 0 | #DIV/0! | 0.022700718191711787 290 | Autres industries | 0 | 0 | 0.002680014118262892 | 0.00021243843881457164 | 0.0029777849730714535 | 0.00868655254409153 | - | 0 | #DIV/0! | 0.0019749804611797696 300 | Production et distribution de l'électricité | 0.021207035411172696 | 0 | 0.03864487947689103 | 0.052532528716109764 | 0.005123763568388328 | 0.00011055049508627748 | - | 0.16364099635457108 | #DIV/0! | 0.025073923606376034 400 | Production et distribution de gaz | 0 | 0.0007533378137794637 | 8.585751047671946e-07 | 0.00024703067776204616 | 2.5858078952477638e-09 | 0.01397807211650529 | - | 0 | #DIV/0! | 0.0013268799426568191 500 | Traitement et distribution de l'eau | 0 | 0.0024128727747549216 | 0.04027322973655431 | 0.0010176094769796416 | 0.0014605621905348285 | 7.536436377946505e-07 | - | 0 | #DIV/0! | 0.004356609490809497 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07088395131972632 | 0.0644068211776434 | 0.0899532106580368 | 0.09888383229006759 | 0.030341489729076656 | 0.044888424437383355 | - | 0 | #DIV/0! | 0.06169812073284562 700 | Commerce de gros(1) | 0.07797693290921362 | 0.18599361569052666 | 0.14932861981942674 | 0.15017220569510223 | 0.13082540457863395 | 0.172795854128611 | - | 0.13999269543791087 | #DIV/0! | 0.12824390988078535 800 | Commerce de détail(2) | 0.009029597175944239 | 0.2826159578951884 | 0.042840063850817935 | 0.17252936529650004 | 0.15895817071441443 | 0.06994239641051539 | 9.478891880961459e-05 | 0.09204806044944622 | #DIV/0! | 0.1149580331497705 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007373249203916906 | 0.0007616981037873996 | 0.002048026311812029 | 9.515171974870402e-05 | 0.0007799653622683966 | 0.0043876705216704965 | - | 0 | #DIV/0! | 0.0020046764919410993 1000 | Hotels,motels et pensions | 0.054165991696580006 | 0 | 0.0005485826133891326 | 0.06761959075860052 | 0.0012976965578571594 | 0.11650894162385797 | 0.07304457861281564 | 0 | #DIV/0! | 0.042120112525357196 1100 | Transport | 0.1203555856899091 | 0.09594479597915105 | 0.02067326422356608 | 0.010462084095942266 | 0.03677888360357266 | 0.007024787107113984 | - | 0 | #DIV/0! | 0.0371622922663551 1200 | Immobilier résidentiel | 0.10814551992540317 | 0.19714444781858986 | 0.14529329972535812 | 0.009400280985917091 | 0.0703432722077271 | 0.043452956537436895 | 0.6155536820289764 | 0 | #DIV/0! | 0.09077597266254889 1300 | Immobilier commercial | 0.13227221834571556 | 0.017840593990333005 | 0.10152504198996404 | 0.07274861677348937 | 0.17176091674724145 | 0.022101434132533307 | 0.2602160665544994 | 0 | #DIV/0! | 0.11743081304506452 1400 | Télécommunications | 0.013788708699701372 | 0 | 0.00037055886076867514 | 0.004433176572689694 | 0.005319552815391675 | 0.004731761539386418 | - | 0 | #DIV/0! | 0.005495242102398009 1500 | Services financiers | 0.0051804788919920025 | 0.06261505619718093 | 0.02574108170797776 | 0.05114502852709659 | 0.09150947365929421 | 0.18814800518980276 | - | 0.20328122240902732 | #DIV/0! | 0.06547994619616591 1510 | Services professionnels | 0.063328746398808 | 0.0175443834215675 | 0.008669605924550643 | 0.00437746546349999 | 0.009356279684730632 | 0.021555878714310753 | 0 | 0 | #DIV/0! | 0.017008937152378775 1520 | Services médicaux | 0 | 0.0004618596717536999 | 0.00066877656911926 | 6.920961931375609e-05 | 0.0005595872985880106 | 0.005440393439008676 | 0 | 0 | #DIV/0! | 0.0007409419620649746 1530 | Services d'agence ou de représentation | 1.409566506066717e-05 | 0.0005979523979704851 | 3.0699508856848412e-06 | 0.00046054392203616183 | 0.0006279645555643031 | 0.0032094615388129854 | 0 | 0 | #DIV/0! | 0.0006206010761551803 1540 | Services d'enseignement | 0.0014057027197049098 | 0 | 0.0018644957796176175 | 0.004240647588128408 | 0.0001821624087965192 | 0.002367848588954222 | 0 | 0 | #DIV/0! | 0.001863788462536051 1550 | Autres services | 0.029375866847625432 | 0.010330753620722707 | 0.001075836856624321 | 0.026756480488500062 | 0.011519385563342243 | 0.0435993497339313 | 0 | 0 | #DIV/0! | 0.019899807966596038 1560 | Crédit à la consommation | 0.2083798657234067 | 0.05208390524306361 | 0.14832218038951273 | 0.12462706539658429 | 0.05533665355721537 | 0.02891580224664335 | 0.0405811630958173 | 0.004580318741908722 | #DIV/0! | 0.10372902965039071 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999999 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.005203804713361431 | 0.024257694137934084 | 0.08399284562633771 | 0.028410172881735692 | 0.05848666995916108 | 0.009178618048390319 | - | 0 | #DIV/0! | 0.0353938287650771 Produits pétroliers | 0 | 0 | 0.010492060991961493 | 0.0031051539598032298 | 0.00024011073313014947 | 0.011527671561777359 | - | 0 | #DIV/0! | 0.0029179986632781956 Produits pharmaceutiques | 0 | 0 | 0 | 0.00541654633969571 | 0.003952452434823809 | 0.0015563283219429509 | - | 0.13999269543791087 | #DIV/0! | 0.004524167697407301 Produits alimentaires | 0.06095688243385341 | 0.009033931349425641 | 0.04307668419192758 | 0.0677958980369258 | 0.03998499799960239 | 0.06512991343490039 | - | 0 | #DIV/0! | 0.05084010544427194 Matériaux de construction | 0 | 0.07249124867892028 | 0.005673485738424941 | 0.016934257856182907 | 0.012626419792450078 | 0.06332510207346376 | - | 0 | #DIV/0! | 0.016085730623607006 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | #DIV/0! | 0 Autres | 0.011816245761998774 | 0.08021074152424666 | 0.004385191119577082 | 0.02851017658153669 | 0.015534753659466454 | 0.022078304282318762 | - | 0 | #DIV/0! | 0.018482086108992768 S-Total | 0.0779769329092136 | 0.18599361569052666 | 0.1476202676682288 | 0.15017220565588002 | 0.13082540457863398 | 0.17279593772279356 | - | 0.13999269543791087 | #DIV/0! | 0.1282439173026343 (2) Commerce de détail Produits pétroliers | 0.00162665405832085 | 0.0039389803296960985 | 0.00031229981605034594 | 0.0057801676604556556 | 0.004468112767689607 | 0.002677968911681828 | - | 0 | #DIV/0! | 0.0035981316016062094 Produits pharmaceutiques | 0.0005241870164185161 | 0 | 0.00012476824383884843 | 0.00041248015782600726 | 4.096621568215453e-05 | 0.0029502790919488813 | - | 0 | #DIV/0! | 0.0004858690095216968 Véhicules automobiles | 0.0012011366973270039 | 0 | 0.01833115210815435 | 0.05578354867728015 | 0.06935685852891 | 0.015292611943025175 | - | 0 | #DIV/0! | 0.04016778633581511 Produits alimentaires | 0.00013959717022010988 | 0 | 0.01161604270935672 | 0.0354207851511366 | 0.02484818392156494 | 0.013438633465706985 | - | 0 | #DIV/0! | 0.01991327026146664 Librairie ,papeterie | 8.149727159441578e-05 | 0 | 0 | 0.0012863031935401235 | 0.0009106051793509761 | 0.0018098541425526937 | - | 0 | #DIV/0! | 0.0008176628077372098 Appareils électro- ménagers électroni.équip. inform. | 0.002091453247326403 | 0 | 0.005148909486203119 | 0.012605988305183032 | 0.012453479482811395 | 0.02370939183430725 | - | 0.09204806044944622 | #DIV/0! | 0.011252919511237651 Matériaux de construction | 0 | 0 | 0.0015611509798832853 | 0.006777014286941134 | 0.013779385727201197 | 0 | - | 0 | #DIV/0! | 0.006257647253882569 Autres | 0.003365071714736939 | 0.2758131277494915 | 0.005745740507331259 | 0.05446307786413734 | 0.03310057926060527 | 0.010058457283614285 | - | 0 | #DIV/0! | 0.032409661441975025 S-Total | 0.009029597175944237 | 0.2797521080791876 | 0.04284006385081792 | 0.17252936529650004 | 0.15895817108381555 | 0.0699371966728371 | - | 0.09204806044944622 | #DIV/0! | 0.1149029482232421 [Secteur d'activité mars 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1215997 | 737624.17661 | 1523828.14644 | 8227527.197000001 | 7844685.72 | 1925431.5819200003 | 405.82 | 219787.212 | #REF! | #REF! Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2247946 | 145305.0643 | 322097.74873 | 3945831.397 | 3135683.8499999996 | 3055596.0330999997 | 312725.91000000003 | 192546.40399000002 | #REF! | #REF! Industries Manufacturières ( 200 à 290 ) | 1077774 | 13366.91919 | 1444402.51501 | 3773950.747 | 5184780.87 | 1640677.046 | 44995.29 | 375520.73079 | #REF! | #REF! Prêts aux Particuliers ( 1560 ) | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | #REF! | #REF! Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3360061 | 338401.46122999996 | 1957180.1657800002 | 2094449.9540000001 | 6553964.529999999 | 519986.00899999996 | 3749434.8899999997 | 0 | #REF! | #REF! Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1874791 | 151023.80558000001 | 166869.90467 | 379766.24 | 1139640.17 | 93254.48300000001 | 0 | 0 | #REF! | #REF! Bâtiments et Travaux Publics ( 600 ) | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | #REF! | #REF! Électricité, Gaz et Eau ( 300 à 500 ) | 296388 | 4983.83646 | 625798.86643 | 1371600.605 | 178243.32 | 111758.777 | 0 | 154999.488 | #REF! | #REF! Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | #REF! | #REF! Total | 13975928 | 1574069.7975199998 | 7929638.26018 | 25495776.706999995 | 27070843.170000006 | 7932130.917329999 | 4281302.13 | 947192.27732 | #REF! | #REF! Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08700653008515785 | 0.4686095735857151 | 0.1921686836702447 | 0.32270157099160235 | 0.2897835752930483 | 0.24273825053912645 | 9.478891880961459e-05 | 0.23204075588735715 | #REF! | #REF! Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16084413142368792 | 0.09231170341298273 | 0.04061947571397645 | 0.15476411808692425 | 0.11583251509044146 | 0.38521754935034924 | 0.07304457861281564 | 0.20328122240902735 | #REF! | #REF! Industries Manufacturières ( 200 à 290 ) | 0.07711645337611928 | 0.00849194820398691 | 0.18215238420941696 | 0.14802258391146964 | 0.19152639012536524 | 0.2068393806279059 | 0.010509720789081523 | 0.3964567066071358 | #REF! | #REF! Prêts aux Particuliers ( 1560 ) | 0.2083798657234067 | 0.05208390524306362 | 0.14832218038951275 | 0.12462706539658433 | 0.055336653557215364 | 0.028915802246643356 | 0.0405811630958173 | 0.004580318741908723 | #REF! | #REF! Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24041773827111873 | 0.2149850418089229 | 0.2468183417153222 | 0.0821488977594065 | 0.2421041889549685 | 0.06555439066997022 | 0.8757697485834759 | 0 | #REF! | #REF! Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13414429438961048 | 0.09594479597915107 | 0.021043823084334758 | 0.014895260668631964 | 0.042098436418964325 | 0.011756548646500404 | 0 | 0 | #REF! | #REF! Bâtiments et Travaux Publics ( 600 ) | 0.07088395131972632 | 0.06440682117764342 | 0.08995321065803681 | 0.09888383229006763 | 0.03034148972907665 | 0.04488842443738336 | 0 | 0 | #REF! | #REF! Électricité, Gaz et Eau ( 300 à 500 ) | 0.021207035411172696 | 0.003166210588534386 | 0.07891896778855012 | 0.05379716887085147 | 0.0065843283447310505 | 0.014089376255229364 | 0 | 0.1636409963545711 | #REF! | #REF! Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.9327706052851016e-06 | 0.00015950202446209403 | 0.026392422486188852 | 2.7722689185520856e-07 | 0 | 0 | #REF! | #REF! Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | #REF! | #REF! [Secteur d'activité déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 200 | Industrie alimentaire | 435785 | 5780.0034000000005 | 364476.57951999997 | 485713.746 | 1909756.97 | 382984.98 | 41142.04 | 129027.14433 | 191013 | 3945679.46325 210 | Industrie des boissons | 1363 | 0 | 3094.87404 | 841673.32 | 2699024.04 | 337983.308 | 0 | 94988.04 | 63023 | 4041149.5820400002 220 | Industrie du bois | 22980 | 0 | 34.59961 | 3262.98 | 0 | 694.727 | 0 | 0 | 0 | 26972.30661 230 | Industrie chimique | 0 | 0 | 205364.18073 | 386031.262 | 61402.27 | 55611.087 | 0 | 123967.25631 | 0 | 832376.05604 240 | Industrie du textile | 67941 | 0 | 273609.49755000003 | 780450.242 | 4866.12 | 241839.919 | 0 | 0 | 9250 | 1377956.7785500002 250 | Industrie pharmacie | 0 | 0 | 2476.14946 | 17436.149 | 8216.4 | 31116.744 | 0 | 0 | 0 | 59245.44246 260 | Imprimerie, édition | 8323 | 0 | 6255.29504 | 79016.38 | 43993.54 | 44942.388 | 0 | 0 | 0 | 182530.60304000002 270 | Sidérurgie, aciérie | 347036 | 0 | 114528.92006 | 442369.624 | 47322.77 | 250984.496 | 0 | 0 | 49574 | 1251815.81006 280 | Industrie de la fabrication | 59632 | 3439.80517 | 232747.62600999998 | 1209116.021 | 349446.09 | 192438.15 | 0 | 0 | 5682 | 2052501.69218 290 | Autres industries | 0 | 0 | 11146.8061 | 29312.261 | 55939.36 | 62990.819 | 0 | 0 | 0 | 159389.2461 300 | Production et distribution de l'électricité | 479041 | 0 | 311164.30458 | 1487434.441 | 67394.4 | 3195.722 | 0 | 149650.50525999998 | 0 | 2497880.37284 400 | Production et distribution de gaz | 0 | 1731.22517 | 352.9756 | 2015.445 | 0.07 | 111371.55 | 0 | 0 | 0 | 115471.26577 500 | Traitement et distribution de l'eau | 0 | 4894.53313 | 303772.08931 | 66079.022 | 40528.07 | 1.624 | 0 | 0 | 0 | 415275.33844 600 | Entrep/ batiment et corps/ métiers corresp. | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 700 | Commerce de gros(1) | 696876 | 290205.42068 | 930792.04192 | 4296548.442 | 3261441.74 | 1242535.58598 | 0 | 176406.36 | 30467 | 10925272.59058 800 | Commerce de détail(2) | 116531 | 447014.02119 | 211332.74159 | 4132767.234 | 4021629.71 | 546066.743 | 584.4 | 84178.40921 | 8398 | 9568502.258990003 900 | Rest/débits/boissons, casinos/activités/loterie | 100654 | 2189.4061 | 16189.067939999999 | 28862.675 | 21762.41 | 37965.586 | 0 | 0 | 0 | 207623.14504 1000 | Hotels,motels et pensions | 612383 | 0 | 31453.608070000002 | 1492828.692 | 37580.87 | 834261.35 | 314447.68 | 0 | 0 | 3322955.2000700003 1100 | Transport | 1596214 | 151323.39733 | 178010.69873 | 90610.778 | 999013.13 | 35478.375 | 0 | 0 | 0 | 3050650.37906 1200 | Immobilier résidentiel / Avance Hypothécaire | 1458908 | 308639.88079 | 1118630.05776 | 248491.306 | 1789417.45 | 398658.82148000004 | 2635767.51 | 0 | 808940 | 8767453.02603 1300 | Immobilier commercial | 1156682 | 29492.42043 | 696708.72209 | 1465978.881 | 4595523.32 | 187989.054 | 1092441.76 | 0 | 11284 | 9236100.15752 1400 | Télécommunications | 199627 | 0 | 3517.17933 | 123031.754 | 158903.05 | 39490.874 | 0 | 0 | 158215 | 682784.85733 1500 | Services financiers | 76725 | 98374.19715 | 145344.95135 | 1637522.969 | 2679611.48 | 1431713.391 | 0 | 125249.62026000001 | 622028 | 6816569.60876 1510 | Services professionnels | 900063 | 27612.436850000002 | 84934.70023999999 | 630832.312 | 320446.92 | 181719.779 | 0 | 0 | 65716 | 2211325.1480900003 1520 | Services médicaux | 0 | 868.7529000000001 | 3287.2553399999997 | 40280.403 | 19023.7 | 44908.784 | 0 | 0 | 910 | 109278.89524 1530 | Services d'agence ou de représentation | 407 | 941.2188100000001 | 2394.5638799999997 | 28901.023 | 14170.68 | 16573.272800000002 | 0 | 0 | 0 | 63387.75849000001 1540 | Services d'enseignement | 23966 | 0 | 12213.52288 | 149228.158 | 6403.37 | 15994.975 | 0 | 0 | 7547 | 215353.02588 1550 | Autres services | 451350 | 17128.96682 | 8673.50574 | 1100971.637 | 324087.58 | 378099.783 | 0 | 0 | 11483 | 2291794.47256 1560 | Crédit à la consommation | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13156425 | 1708591.34689 | 7104534.7173 | 26100194.560000002 | 26503591.68 | 7607607.265570001 | 4219809.71 | 883467.3353699999 | 3106261 | 90390482.61512998 (1) Commerce de gros Import-export | 35853 | 37731.26498 | 286551.30374 | 955099.495 | 1405261.65 | 90046 | 2810542.71372 Produits pétroliers | 0 | 0 | 93301.68539 | 4011.016 | 6500 | 93856 | 197668.70139 Produits pharmaceutiques | 0 | 0 | 13253.08382 | 140674.463 | 116699.82 | 13358 | 283985.36682 Produits alimentaires | 455435 | 18715.29864 | 308957.89441 | 1935565.17 | 804349.72 | 444191 | 176406.36 | 3957 | 4147577.4430499994 Matériaux de construction | 0 | 111166.89892 | 203531.59159 | 416544.279 | 367340.35 | 474132 | 26509 | 1599224.11951 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 205588 | 122591.95814 | 25196.482949999998 | 844654.02 | 561290.2 | 126953 | 0 | 0 | 1886273.6610899998 S-Total | 696876 | 290205.42068 | 930792.0419 | 4296548.443 | 3261441.74 | 1242536 | - | 176406.36 | 30466 | 10925272.005579999 (2) Commerce de détail Produits pétroliers | 21027 | 6990.63075 | 2600.9317 | 135241.221 | 140062.89 | 9329 | 315251.67345 Produits pharmaceutiques | 7742 | 0 | 294.7079 | 6200.399 | 1175.26 | 24184 | 1189 | 40785.3669 Véhicules automobiles | 19640 | 0 | 45680.596549999995 | 1380457.811 | 2000336.09 | 98854 | 3544968.49755 Produits alimentaires | 2115 | 0 | 59865.84543 | 896311.734 | 699593.19 | 104491 | 5064 | 1767440.7694299999 Librairie ,papeterie | 1209 | 0 | 4109.76144 | 34696.289 | 22560.24 | 13881 | 411 | 76867.29044 Appareils électro- ménagers électroni.équip. inform. | 470 | 0 | 40331.05993 | 322377.121 | 197575.5 | 210944 | 84178.40921 | 855876.09014 Matériaux de construction | 18156 | 0 | 14157.09041 | 166653.601 | 299127.43 | 224 | 498318.12141 Autres | 46172 | 440023.39044 | 44292.74823 | 1190829.058 | 661199.11 | 84160 | 1734 | 2468410.30667 S-Total | 116531 | 447014.02119 | 211332.74159000002 | 4132767.2339999992 | 4021629.7100000004 | 546067 | - | 84178.40921 | 8398 | 9567918.115989998 [Secteur d'activité déc. 16 (%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.0303694948910037e-07 | 0.00032023711473819753 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.007692747779107541 200 | Industrie alimentaire | 0.03312335987929852 | 0.0033829056962747924 | 0.051301963326673035 | 0.018609583345573343 | 0.07205653456550686 | 0.05034237002917957 | 0.009749738217460996 | 0.14604630999284526 | 0.06149290095069281 | 0.043651492381671986 210 | Industrie des boissons | 0.00010359957207220047 | 0 | 0.00043561952515536065 | 0.03224777953532619 | 0.10183616139984239 | 0.04442701840427834 | - | 0.10751731976623516 | 0.02028902271895375 | 0.04470768896374466 220 | Industrie du bois | 0.0017466751036090732 | 0 | 4.870074026909562e-06 | 0.00012501745887368587 | 0 | 9.132004002679645e-05 | - | 0 | 0 | 0.0002983976391059256 230 | Industrie chimique | 0 | 0 | 0.028906070404572024 | 0.014790359555082181 | 0.0023167527911447205 | 0.0073099313698383106 | - | 0.14031900371062614 | 0 | 0.009208669231075365 240 | Industrie du textile | 0.0051640928291690185 | 0 | 0.03851195165303975 | 0.029902085220317984 | 0.0001836022852582673 | 0.03178922236095216 | - | 0 | 0.0029778566578919155 | 0.015244489670634322 250 | Industrie pharmacie | 0 | 0 | 0.0003485308410092524 | 0.0006680467059322948 | 0.00031001081284391413 | 0.004090214296527382 | - | 0 | 0 | 0.0006554389438571625 260 | Imprimerie, édition | 0.0006326186635047135 | 0 | 0.0008804651238831945 | 0.003027424941923498 | 0.0016599086090357397 | 0.0059075588987614076 | - | 0 | 0 | 0.0020193564384116606 270 | Sidérurgie, aciérie | 0.026377682387122642 | 0 | 0.016120537743466116 | 0.016948901395469135 | 0.0017855229046450506 | 0.032991252996969075 | - | 0 | 0.015959380103603656 | 0.013848978054360618 280 | Industrie de la fabrication | 0.004532538284526382 | 0.002013240425372151 | 0.03276043193134724 | 0.04632593899713826 | 0.013184857894701765 | 0.025295489538599565 | - | 0 | 0.0018292088140693908 | 0.022707055353595854 290 | Autres industries | 0 | 0 | 0.0015689706002641958 | 0.0011230667623038592 | 0.002110633180415795 | 0.008279977764504174 | - | 0 | 0 | 0.0017633410231767109 300 | Production et distribution de l'électricité | 0.036411183129155526 | 0 | 0.043797984943657865 | 0.05698940050353402 | 0.0025428402615656352 | 0.00042006926599155356 | - | 0.16938996980270438 | 0 | 0.02763432941801655 400 | Production et distribution de gaz | 0 | 0.0010132470664510845 | 4.968314098606368e-05 | 7.721953931672147e-05 | 2.6411514652492567e-09 | 0.014639497822664677 | - | 0 | 0 | 0.001277471503959775 500 | Traitement et distribution de l'eau | 0 | 0.002864659907653806 | 0.04275749241822908 | 0.0025317444223680145 | 0.001529153878060349 | 2.134705359134127e-07 | - | 0 | 0 | 0.0045942374288251596 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07681646039862652 | 0.11604170582444404 | 0.09970170957644284 | 0.10410645816273945 | 0.02883155533129614 | 0.042075996057088345 | - | 0 | 0.13792240896692196 | 0.06800595781741153 700 | Commerce de gros(1) | 0.05296849258062126 | 0.1698506908677933 | 0.13101379315572367 | 0.16461748712726834 | 0.12305659472037264 | 0.163328040289801 | - | 0.19967502242300816 | 0.009808255004972215 | 0.12086751032294275 800 | Commerce de détail(2) | 0.008857345365477325 | 0.2616272299421747 | 0.029746176209877778 | 0.15834239183541166 | 0.15173904573223487 | 0.07177903957678682 | 0.00013848965715565405 | 0.09528185801543611 | 0.0027035719149163576 | 0.10585740868019641 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007650558567391978 | 0.0012814100363935388 | 0.002278695028483509 | 0.001105841373467524 | 0.0008211117294122153 | 0.004990476594634703 | - | 0 | 0 | 0.002296958031787819 1000 | Hotels,motels et pensions | 0.04654630722251676 | 0 | 0.004427257986847251 | 0.05719607524642145 | 0.0014179538552263119 | 0.10966146396326794 | 0.07451702839936827 | 0 | 0 | 0.036762224339687156 1100 | Transport | 0.12132581609365767 | 0.0885661733014397 | 0.025055926364401102 | 0.0034716514389078945 | 0.03769349988718208 | 0.004663539239277723 | - | 0 | 0 | 0.03374968570584187 1200 | Immobilier résidentiel | 0.11088939434534838 | 0.1806399648176788 | 0.15745296522178487 | 0.0095206687225553 | 0.06751603600014411 | 0.05240265533740463 | 0.6246176228643258 | 0 | 0.26042241782000936 | 0.0969953115900552 1300 | Immobilier commercial | 0.08791765240177328 | 0.01726124885490172 | 0.09806535541215239 | 0.05616735452411892 | 0.17339247357435897 | 0.02471066755125337 | 0.25888412868740474 | 0 | 0.0036326631921786354 | 0.10218000712360417 1400 | Télécommunications | 0.01517334686284458 | 0 | 0.000495061178522422 | 0.004713825167746182 | 0.005995528904858226 | 0.0051909716973331625 | - | 0 | 0.05093422606793183 | 0.0075537250999887055 1500 | Services financiers | 0.005831751406632121 | 0.0575762000252793 | 0.020458053501529898 | 0.06273987595133083 | 0.10110371123858183 | 0.1881949660413666 | - | 0.14177051628914492 | 0.20024975364272352 | 0.07541247055604293 1510 | Services professionnels | 0.06841242966839396 | 0.0161609368444131 | 0.011954998267962366 | 0.02416964021282759 | 0.012090697889894446 | 0.0238865878135449 | 0 | 0 | 0.021155981419462178 | 0.024464136976738063 1520 | Services médicaux | 0 | 0.000508461488805568 | 0.00046269818796089787 | 0.0015432989553929208 | 0.0007177781875637468 | 0.005903141741194392 | 0 | 0 | 0.00029295670904666413 | 0.001208964617495121 1530 | Services d'agence ou de représentation | 3.093545549037827e-05 | 0.0005508741523906338 | 0.0003370472487338379 | 0.0011073106345457066 | 0.0005346701749368334 | 0.0021785131936300404 | 0 | 0 | 0 | 0.0007012658485285028 1540 | Services d'enseignement | 0.0018216194748953457 | 0 | 0.0017191165031904601 | 0.005717511325708676 | 0.00024160385797190187 | 0.002102497466238693 | 0 | 0 | 0.002429609102390301 | 0.0023824745664534513 1550 | Autres services | 0.03430643202845758 | 0.010025198155883423 | 0.0012208407848130372 | 0.042182506895458174 | 0.012228062668372652 | 0.04970022371044029 | 0 | 0 | 0.0036967273516294993 | 0.025354378096620417 1560 | Crédit à la consommation | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.07961129692820189 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706289 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0027251323972887773 | 0.022083258848687802 | 0.04033357779816729 | 0.03659357759975257 | 0.053021555227944106 | 0.011836310269001945 | - | 0 | 0 | 0.031093347799534352 Produits pétroliers | 0 | 0 | 0.013132694694672176 | 0.00015367762837090513 | 0.0002452497789160024 | 0.012337124765202746 | - | 0 | 0 | 0.002186830910413939 Produits pharmaceutiques | 0 | 0 | 0 | 0.005389785990928643 | 0.00440317000839035 | 0.0017558740263124177 | - | 0 | 0 | 0.00314176181611033 Produits alimentaires | 0.034616926710713584 | 0.010953642410788179 | 0.04348742130257561 | 0.07415903224592667 | 0.030348706307868987 | 0.0583877406514253 | - | 0.19967502242300816 | 0.0012738787886787362 | 0.04588511227127533 Matériaux de construction | 0 | 0.0650634799961661 | 0.028648124006542958 | 0.015959431951452854 | 0.013860021480681066 | 0.06232340648626735 | - | 0 | 0.008534054285843978 | 0.017692394965068088 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.01562643347261889 | 0.07175030961215124 | 0.0035465352697404574 | 0.03236198174915061 | 0.021177891916572114 | 0.016687638513433176 | - | 0 | 0 | 0.020868056088620402 S-Total | 0.05296849258062125 | 0.1698506908677933 | 0.1291483530716985 | 0.16461748716558225 | 0.12305659472037263 | 0.16332809471164295 | - | 0.19967502242300816 | 0.009807933074522714 | 0.12086750385102242 (2) Commerce de détail Produits pétroliers | #REF! | #REF! | #REF! | #REF! | #REF! | #REF! | - | #REF! | #REF! | #REF! Produits pharmaceutiques | #REF! | #REF! | #REF! | #REF! | #REF! | #REF! | - | #REF! | #REF! | #REF! Véhicules automobiles | #REF! | #REF! | #REF! | #REF! | #REF! | #REF! | - | #REF! | #REF! | #REF! Produits alimentaires | #REF! | #REF! | #REF! | #REF! | #REF! | #REF! | - | #REF! | #REF! | #REF! Librairie ,papeterie | #REF! | #REF! | #REF! | #REF! | #REF! | #REF! | - | #REF! | #REF! | #REF! Appareils électro- ménagers électroni.équip. inform. | #REF! | #REF! | #REF! | #REF! | #REF! | #REF! | - | #REF! | #REF! | #REF! Matériaux de construction | #REF! | #REF! | #REF! | #REF! | #REF! | 0 | - | #REF! | #REF! | #REF! Autres | #REF! | #REF! | #REF! | #REF! | #REF! | #REF! | - | #REF! | #REF! | #REF! S-Total | #REF! | #REF! | #REF! | #REF! | #REF! | #REF! | - | #REF! | #REF! | #REF! [Secteur d'activité déc.16 g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 813407 | 737219.44187 | 1142124.78351 | 8429315.675999999 | 7283071.45 | 1788602.32898 | 584.4 | 260584.76921 | 38865 | 20493774.849569995 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2165548 | 147114.97863 | 304491.17543999996 | 5109427.869 | 3423087.0100000007 | 2941236.9208000004 | 314447.68 | 125249.62026000001 | 707684 | 15238287.254130002 Industries Manufacturières ( 200 à 290 ) | 943060 | 9219.808570000001 | 1213734.52812 | 4274381.984999999 | 5179967.56 | 1601586.6179999998 | 41142.04 | 347982.44064 | 318542 | 13929616.98033 Prêts aux Particuliers ( 1560 ) | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2615590 | 338132.30122 | 1815338.77985 | 1714470.1870000002 | 6384940.7700000005 | 586647.87548 | 3728209.2699999996 | 0 | 820224 | 18003553.18355 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1795841 | 151323.39733 | 181527.87806000002 | 213642.532 | 1157916.18 | 74969.24900000001 | 0 | 0 | 158215 | 3733435.23639 Bâtiments et Travaux Publics ( 600 ) | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 Électricité, Gaz et Eau ( 300 à 500 ) | 479041 | 6625.7582999999995 | 615289.36949 | 1555528.9080000003 | 107922.54000000001 | 114568.896 | 0 | 149650.50525999998 | 0 | 3028626.9770500003 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 Total | 13156425 | 1708591.3468900002 | 7104534.717299999 | 26100194.56 | 26503591.68 | 7607607.26557 | 4219809.71 | 883467.33537 | 3106261 | 90390482.61512999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.061825837946098576 | 0.43147792080996794 | 0.16075996936560147 | 0.32295987896268 | 0.2747956404526075 | 0.23510707986658785 | 0.00013848965715565405 | 0.29495688043844426 | 0.012511826919888573 | 0.22672491900313904 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1646000338237781 | 0.08610308070316554 | 0.04285870750952126 | 0.19576206059515291 | 0.12915558960195997 | 0.3866178705243177 | 0.07451702839936827 | 0.1417705162891449 | 0.22782502822525216 | 0.16858287303335345 Industries Manufacturières ( 200 à 290 ) | 0.07168056671930255 | 0.005396146121646943 | 0.1708394112234371 | 0.16376820391794045 | 0.1954439844433945 | 0.2105243556996368 | 0.009749738217460996 | 0.39388263346970653 | 0.10254836924521153 | 0.15410490769963422 Prêts aux Particuliers ( 1560 ) | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.0796112969282019 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706288 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19880704674712166 | 0.19790121367258048 | 0.25551832063393726 | 0.06568802324667423 | 0.2409085095745031 | 0.077113322888658 | 0.8835017515517304 | 0 | 0.26405508101218794 | 0.19917531871365934 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13649916295650225 | 0.08856617330143969 | 0.02555098754292353 | 0.008185476606654078 | 0.043689028792040306 | 0.009854510936610888 | 0 | 0 | 0.05093422606793183 | 0.04130341080583057 Bâtiments et Travaux Publics ( 600 ) | 0.07681646039862652 | 0.11604170582444402 | 0.09970170957644285 | 0.10410645816273946 | 0.02883155533129614 | 0.04207599605708835 | 0 | 0 | 0.13792240896692196 | 0.06800595781741152 Électricité, Gaz et Eau ( 300 à 500 ) | 0.036411183129155526 | 0.0038779069741048905 | 0.08660516050287302 | 0.059598364465218774 | 0.00407199678077745 | 0.015059780559192144 | 0 | 0.16938996980270435 | 0 | 0.03350603835080149 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.030369494891004e-07 | 0.0003202371147381976 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.0076927477791075395 Total | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 [Secteur d'activité sept. 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 8.85384 | 7954.259 | 0 | 0 | 0 | 0 | 0 | 7963.11284 200 | Industrie alimentaire | 93460 | 5780.0034000000005 | 191299.35254 | 427062.236 | 1857046.87 | 354573.387 | 26932.01 | 138099.8964 | 239485 | 3333738.7553399997 210 | Industrie des boissons | 1372 | 0 | 9094.51485 | 971885.456 | 2485173.95 | 140849.197 | 0 | 117275.76 | 66076 | 3791726.8778500003 220 | Industrie du bois | 15439 | 0 | 10013.08783 | 3606.966 | 0 | 969.82 | 0 | 0 | 0 | 30028.87383 230 | Industrie chimique | 0 | 0 | 14640.51494 | 322304.533 | 74162.5 | 56684.693 | 0 | 128741.03232 | 0 | 596533.27326 240 | Industrie du textile | 73259 | 0 | 111668.04076999999 | 780865.518 | 4616.44 | 204354.443 | 0 | 0 | 7435 | 1182198.44177 250 | Industrie pharmacie | 0 | 0 | 6715.45017 | 17634.359 | 2565.19 | 32444.16 | 0 | 0 | 0 | 59359.15917 260 | Imprimerie, édition | 16786 | 0 | 4816.01013 | 157627.112 | 36122.41 | 77707.754 | 0 | 0 | 4494 | 297553.28613 270 | Sidérurgie, aciérie | 347036 | 0 | 143264.28512000002 | 444349.504 | 76426.02 | 220866.303 | 0 | 0 | 50459 | 1282401.1121200002 280 | Industrie de la fabrication | 61504 | 3471.5940499999997 | 167834.5011 | 1335603.687 | 357187.25 | 154637.502 | 0 | 0 | 1898 | 2082136.53415 290 | Autres industries | 0 | 0 | 160274.14904 | 131567.472 | 366835.99 | 66469.538 | 0 | 149461.6532 | 0 | 874608.8022400001 300 | Production et distribution de l'électricité | 446347 | 0 | 320499.74552 | 1109133.244 | 65536.8 | 239.402 | 0 | 0 | 0 | 1941756.1915199999 400 | Production et distribution de gaz | 0 | 1991.44471 | 874.08243 | 2504.429 | 89326.43 | 111715.291 | 0 | 0 | 0 | 206411.67713999999 500 | Traitement et distribution de l'eau | 0 | 7058.053150000001 | 299069.88724 | 47806.979 | 37004.57 | 5.883 | 0 | 0 | 0 | 390945.37239 600 | Entrep/ batiment et corps/ métiers corresp. | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 700 | Commerce de gros(1) | 674585 | 291599.06827999995 | 952354.90876 | 4097032.977 | 3506808.23 | 1359146.4268 | 0 | 217797.84 | 11782 | 11111106.45084 800 | Commerce de détail(2) | 105321 | 461120.52403 | 195970.47025 | 3989980.142 | 4057719.65 | 510854.05 | 699.06 | 84072.17992 | 7260 | 9412997.076200001 900 | Rest/débits/boissons, casinos/activités/loterie | 98787 | 4123.83202 | 15906.198349999999 | 28264.149 | 22524.47 | 32312.986 | 0 | 0 | 0 | 201918.63537 1000 | Hotels,motels et pensions | 574918 | 0 | 30891.063149999998 | 1450360.295 | 60188.81 | 813842.034 | 315297.13 | 0 | 0 | 3245497.3321499997 1100 | Transport | 1560837 | 153123.54994 | 217895.63706 | 75192.216 | 651278.05 | 32294.282 | 0 | 0 | 0 | 2690620.7350000003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1429818 | 311137.84364 | 1035465.75943 | 255469.533 | 1768911.73 | 408231.204 | 2524152.72 | 0 | 792510 | 8525696.790070001 1300 | Immobilier commercial | 899225 | 29941.753539999998 | 471503.20225 | 1304337.924 | 4761777.7 | 93245.402 | 1159031.32 | 0 | 13967 | 8733029.301789999 1400 | Télécommunications | 246900 | 0 | 3646.7466099999997 | 127224.312 | 183246.92 | 37915.403 | 0 | 0 | 153854 | 752787.38161 1500 | Services financiers | 85549 | 86594.69965000001 | 119656.60457 | 1649354.295 | 2336040.86 | 1336913.933 | 0 | 77535.02437 | 635599 | 6327243.41659 1510 | Services professionnels | 901730 | 27451.660809999998 | 53864.94053 | 598920.54 | 302508.24 | 198448.457 | 0 | 0 | 71030 | 2153953.8383400002 1520 | Services médicaux | 0 | 998.4891899999999 | 3483.65875 | 41120.732 | 24401.62 | 47191.427 | 0 | 0 | 1145 | 118340.92694 1530 | Services d'agence ou de représentation | 1521 | 1058.40156 | 0.74427 | 28684.531 | 24667.94 | 7378.231 | 0 | 0 | 0 | 63310.84783 1540 | Services d'enseignement | 23079 | 0 | 9464.889449999999 | 151258.693 | 8288.22 | 17053.249 | 0 | 0 | 7110 | 216254.05145 1550 | Autres services | 470208 | 17990.21457 | 11556.63282 | 1052832.902 | 318336 | 457638.73 | 0 | 0 | 13213 | 2341775.47939 1560 | Crédit à la consommation | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 1570 | Zone Franche | 0 | 0 | 281497.47002 | 334689.683 | 0 | 0 | 0 | 0 | 0 | 616187.1530200001 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 723382.11 | 0 | 0 | 0 | 0 | 723382.11 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 10703.32 | 0 | 0 | 0 | 0 | 10703.32 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.329999994 | 26460875.400000006 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80681996 (1) Commerce de gros Import-export | 40997 | 38477.17 | 480886.19 | 926447.91 | 1599901.62 | 132487 | 0 | 0 | 0 | 3219196.89 Produits pétroliers | 0 | 0 | 0 | 3790.79 | 0 | 105931 | 0 | 0 | 0 | 109721.79 Produits pharmaceutiques | 0 | 0 | 0 | 140532.02 | 117279.92 | 12185 | 0 | 0 | 0 | 269996.94 Produits alimentaires | 425371 | 18893.67 | 303150.21 | 1883830.76 | 847937.12 | 440114 | 0 | 217797.84 | 3785 | 4140879.6 Matériaux de construction | 0 | 108378.09 | 0 | 277868.61 | 399763.72 | 492596 | 0 | 0 | 7997 | 1286603.42 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 208216 | 125850.13 | 168318.51 | 864563.89 | 541925.85 | 175833.6 | 0 | 0 | 0 | 2084707.98 S-Total | 674584 | 291599.06 | 952354.91 | 4097033.98 | 3506808.23 | 1359146.6 | - | 217797.84 | 11782 | 11111106.620000001 (2) Commerce de détail Produits pétroliers | 20448 | 6863.81 | 13448.94 | 120083.89 | 140973.02 | 13269 | 0 | 0 | 0 | 315086.66000000003 Produits pharmaceutiques | 8107 | 0 | 505.49 | 6260.02 | 8035.49 | 18334 | 0 | 0 | 1012 | 42254 Véhicules automobiles | 10931 | 0 | 16661.02 | 1255009.62 | 2177823.42 | 98846 | 0 | 0 | 0 | 3559271.06 Produits alimentaires | 2273 | 0 | 93322.98 | 1085500.09 | 542180.28 | 113031 | 0 | 0 | 4695 | 1841002.35 Librairie ,papeterie | 1231 | 0 | 1.33 | 37490.88 | 26491.31 | 13565 | 0 | 0 | 534 | 79313.52 Appareils électro- ménagers électroni.équip. inform. | 18163 | 0 | 32201.24 | 310677.73 | 217451.58 | 190078 | 0 | 84072.18 | 0 | 852643.73 Matériaux de construction | 0 | 1184.66 | 0 | 257614.67 | 347672.81 | 654 | 0 | 0 | 0 | 607126.14 Autres | 44169 | 438981.64 | 39829.46 | 917343.26 | 597091.74 | 63077 | 0 | 0 | 1020 | 2101512.1 S-Total | 105322 | 447030.11 | 195970.46 | 3989980.16 | 4057719.6500000004 | 510854 | - | 84072.18 | 7261 | 9398209.56 [Secteur d'activité sept. 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.3426439350318606e-06 | 0.0003084411953050685 | 0 | 0 | 0 | 0 | 0 | 9.006232135412004e-05 200 | Industrie alimentaire | 0.007452870918285243 | 0.0034836524124156687 | 0.029009663091195768 | 0.01656013294783276 | 0.07018085539225961 | 0.048552511129800004 | 0.006444643638917624 | 0.1512622228245399 | 0.08036770780968003 | 0.037704382334749785 210 | Industrie des boissons | 0.00010940871923697147 | 0 | 0.0013791411642191062 | 0.03768666719907556 | 0.09391881078885242 | 0.019286789295796452 | - | 0.12845333416946186 | 0.022174151455132546 | 0.04288420011388172 220 | Industrie du bois | 0.0012311670672737628 | 0 | 0.0015184385132203466 | 0.00013986681907953233 | 0 | 0.00013279957850841932 | - | 0 | 0 | 0.0003396247345880616 230 | Industrie chimique | 0 | 0 | 0.0022201664577103657 | 0.012497958063819885 | 0.0028027228456697236 | 0.007761959269018113 | - | 0.1410113636946156 | 0 | 0.006746754998233483 240 | Industrie du textile | 0.0058419630922604176 | 0 | 0.01693394252400439 | 0.030279513622127656 | 0.00017446285998535025 | 0.027982701838199665 | - | 0 | 0.0024950786377642485 | 0.013370592393492907 250 | Industrie pharmacie | 0 | 0 | 0.0010183669957621979 | 0.0006838050871110298 | 9.694274891600901e-05 | 0.004442649948505617 | - | 0 | 0 | 0.0006713484758906043 260 | Imprimerie, édition | 0.0013385821873992735 | 0 | 0.0007303256882998227 | 0.006112284605991068 | 0.0013651252822875239 | 0.010640693095663045 | - | 0 | 0.0015081215061348396 | 0.003365309548396967 270 | Sidérurgie, aciérie | 0.027674026449797107 | 0 | 0.021725367018496297 | 0.017230478935495352 | 0.0028882649891469572 | 0.030243707023069052 | - | 0 | 0.016933311766368017 | 0.014503878493907212 280 | Industrie de la fabrication | 0.004904572790051525 | 0.00209235637944614 | 0.025451326767934945 | 0.051790518472196664 | 0.01349869362220722 | 0.021174852124306417 | - | 0 | 0.0006369413926666501 | 0.023548837421946044 290 | Autres industries | 0 | 0 | 0.02430483430364096 | 0.0051017735689705525 | 0.013863335375518223 | 0.009101819543883774 | - | 0.16370687074651932 | 0 | 0.009891772299245845 300 | Production et distribution de l'électricité | 0.03559347930412865 | 0 | 0.04860230583585006 | 0.04300870559180286 | 0.0024767434564919944 | 3.278184064473057e-05 | - | 0 | 0 | 0.02196114429442475 400 | Production et distribution de gaz | 0 | 0.0012002590116441663 | 0.0001325505626211238 | 9.711389512419416e-05 | 0.003375792699586952 | 0.01529741968380257 | - | 0 | 0 | 0.002334503500244956 500 | Traitement et distribution de l'eau | 0 | 0.004253942806150514 | 0.045352566824501964 | 0.0018538045777343067 | 0.001398463559523809 | 8.055720859180372e-07 | - | 0 | 0 | 0.004421568357443281 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189846 | 0.02755894349587542 | 0.047987871164615496 | - | 0 | 0.08845599097409078 | 0.06789284243894879 700 | Commerce de gros(1) | 0.05379408226419271 | 0.17574899656145238 | 0.1444202224395782 | 0.15887007810911907 | 0.1325280504514223 | 0.18611089955895338 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593741441798 800 | Commerce de détail(2) | 0.008398714080726729 | 0.27792087906929025 | 0.029718016513343836 | 0.15471890521065093 | 0.15334789906459403 | 0.06995236489175204 | 0.00016728022090522595 | 0.09208511478944056 | 0.00243635116478392 | 0.10646042378348576 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00787766701695532 | 0.0024854652100844746 | 0.0024121014999188245 | 0.001095994976004749 | 0.000851236765961265 | 0.004424688005143691 | - | 0 | 0 | 0.002283687471403247 1000 | Hotels,motels et pensions | 0.04584624055851397 | 0 | 0.004684487023148566 | 0.05624041950517474 | 0.0022746341188697025 | 0.11144117371020876 | 0.07544842153346458 | 0 | 0 | 0.03670637721140625 1100 | Transport | 0.12446733025340878 | 0.09228873881737372 | 0.033042866775152085 | 0.0029157181053165227 | 0.024612868627921506 | 0.004422126825423308 | - | 0 | 0 | 0.030430756683541945 1200 | Immobilier résidentiel | 0.1140193557740292 | 0.18752516643680434 | 0.1570235990069675 | 0.009906306561371417 | 0.06685008350101673 | 0.05589999363302937 | 0.6040122802050282 | 0 | 0.2659549120665157 | 0.09642511157421627 1300 | Immobilier commercial | 0.07170776644013532 | 0.018046124670372404 | 0.07150128247732772 | 0.05057813032744994 | 0.17995541069665438 | 0.012768297295836464 | 0.27734817504316606 | 0 | 0.004687123514950001 | 0.09877002965749226 1400 | Télécommunications | 0.019688784824787357 | 0 | 0.0005530122769910567 | 0.004933359457511375 | 0.006925202482152196 | 0.00519183924581557 | - | 0 | 0.05163118073094562 | 0.00851397944950965 1500 | Services financiers | 0.006822016415454572 | 0.05219129011898726 | 0.0181453713205136 | 0.06395678217560537 | 0.08828282604739522 | 0.18306655544784922 | - | 0.0849249017464221 | 0.21329784627899376 | 0.07156073778186835 1510 | Services professionnels | 0.0719075250711037 | 0.016545326669803195 | 0.008168369398301342 | 0.023224258507342683 | 0.011432283906979129 | 0.02717398222891482 | 0 | 0 | 0.023836642318815677 | 0.024361086759448383 1520 | Services médicaux | 0 | 0.0006017970985128601 | 0.0005282807564184774 | 0.0015945329074523952 | 0.0009221773516986514 | 0.006462025545782557 | 0 | 0 | 0.0003842454660712931 | 0.001338428678026208 1530 | Services d'agence ou de représentation | 0.00012129056994127815 | 0.0006379067437570204 | 1.1286510728973675e-07 | 0.0011122960703700108 | 0.0009322420224993763 | 0.0010103173443914881 | 0 | 0 | 0 | 0.0007160418340206834 1540 | Services d'enseignement | 0.0018404109557361987 | 0 | 0.0014353067613362724 | 0.00586533730787524 | 0.0003132254649443683 | 0.002335138767399232 | 0 | 0 | 0.002386013330800781 | 0.002445820154398353 1550 | Autres services | 0.037496250040071344 | 0.010842840401556858 | 0.0017525099804337045 | 0.040825555057910995 | 0.012030440988358228 | 0.06266547447271484 | 0 | 0 | 0.004434092002794756 | 0.026485338083444852 1560 | Crédit à la consommation | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390658 | 0.05739996568669832 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.1028379210394141 Zone Franche | 0 | 0 | 0.042687790930168834 | 0.012978215303373258 | 0 | 0 | 0 | 0 | 0 | 0.006969039181613253 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.02733779964059692 | 0 | 0 | 0 | 0 | 0.008181407618059248 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0.000404496065916247 | 0 | 0 | 0 | 0 | 0.00012105389748514226 Total | 0.9999999999999999 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0032692633109024194 | 0.023190485682660286 | 0.07292416922420994 | 0.03592474179534291 | 0.060462913483202436 | 0.018141735330107597 | - | 0 | 0 | 0.03640892081209838 Produits pétroliers | 0 | 0 | 0 | 0.00014699493676915734 | 0 | 0.014505364037631072 | - | 0 | 0 | 0.001240946764045764 Produits pharmaceutiques | 0 | 0 | 0 | 0.005449390600360862 | 0.004432201060135749 | 0.001668518760311284 | - | 0 | 0 | 0.0030536489515460724 Produits alimentaires | 0.03392076990564854 | 0.011387359923505501 | 0.045971328921703455 | 0.07304904345795826 | 0.03204493831674215 | 0.06026577477846864 | - | 0.2385561920290006 | 0.0012701913441745367 | 0.04683309614182487 Matériaux de construction | 0 | 0.06532030667689614 | 0 | 0.010774872455895378 | 0.01510772844650483 | 0.06745225008242078 | - | 0 | 0.0026836777224210754 | 0.014551406340155525 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.016603969303677298 | 0.07585083928797091 | 0.025524724481705067 | 0.03352507375598403 | 0.02048026914483713 | 0.02407728028666969 | - | 0 | 0 | 0.02357792031793668 S-Total | 0.05379400252022826 | 0.17574899157103285 | 0.14442022262761847 | 0.15887011700231057 | 0.1325280504514223 | 0.18611092327560907 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593932760728 (2) Commerce de détail Produits pétroliers | 0.0016306045852460588 | 0.004136870968771886 | 0.0020394696226278533 | 0.004656476306401686 | 0.005327602275773535 | 0.001816953256509678 | - | 0 | 0 | 0.0035636109392764 Produits pharmaceutiques | 0.0006464843198645245 | 0 | 7.665522335159154e-05 | 0.00024274392516432204 | 0.00030367438259431125 | 0.002510514809318595 | - | 0 | 0.0003396125866062434 | 0.0004778901671945902 Véhicules automobiles | 0.0008716812754951422 | 0 | 0.002526566716186935 | 0.04866533354171141 | 0.08230352877894581 | 0.013535199456850977 | - | 0 | 0 | 0.040255138968009335 Produits alimentaires | 0.00018125803121402052 | 0 | 0.014151998804597736 | 0.042092286065032514 | 0.02048988447298308 | 0.01547758260129214 | - | 0 | 0.0015755742036722457 | 0.020821624481638035 Librairie ,papeterie | 9.816482024833227e-05 | 0 | 2.0168835596671893e-07 | 0.0014537786411328681 | 0.0010011501735879833 | 0.0018574851853608999 | - | 0 | 0.00017920268897997428 | 0.0008970310818760703 Appareils électro- ménagers électroni.équip. inform. | 0.001448389626458537 | 0 | 0.004883169289992292 | 0.012047107140447065 | 0.008217852837929918 | 0.02602779720331951 | - | 0.09208511487706537 | 0 | 0.00964334866964356 Matériaux de construction | 0 | 0.0007140036746158914 | 0 | 0.009989488240566566 | 0.01313912728677147 | 0 | - | 0 | 0 | 0.006866559676073417 Autres | 0.003522211166164572 | 0.26457760374192624 | 0.00603995361386631 | 0.03557169204817799 | 0.02256507885600791 | 0.008637271878880168 | - | 0 | 0.0003422972710853441 | 0.02376797389194998 S-Total | 0.008398793824691188 | 0.26942847838531403 | 0.029718014958978686 | 0.15471890590863444 | 0.15334789906459403 | 0.06986280439153196 | - | 0.09208511487706537 | 0.0024366867503438075 | 0.10629317787566138 [Secteur d'activité sept.16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 779906 | 752719.59231 | 1148325.37901 | 8087013.119 | 7564527.88 | 1870000.4768 | 699.06 | 301870.01992 | 19042 | 20524103.527039997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2155792 | 138217.2978 | 244824.73188999997 | 5000796.137 | 3096956.16 | 2910779.047 | 315297.13 | 77535.02437 | 728097 | 14668294.52806 Industries Manufacturières ( 200 à 290 ) | 608856 | 9251.597450000001 | 1101117.3765099999 | 4927196.5260000015 | 5260136.620000001 | 1309556.797 | 26932.01 | 533578.34192 | 369847 | 14146472.268880002 Prêts aux Particuliers ( 1560 ) | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2329043 | 341079.59718 | 1506968.96168 | 1559807.4570000002 | 6530689.43 | 501476.606 | 3683184.04 | 0 | 806477 | 17258726.09186 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1807737 | 153123.54994 | 221542.38367 | 202416.528 | 834524.9700000001 | 70209.685 | 0 | 0 | 153854 | 3443408.1166100004 Bâtiments et Travaux Publics ( 600 ) | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 Électricité, Gaz et Eau ( 300 à 500 ) | 446347 | 9049.497860000001 | 620443.71519 | 1159444.652 | 191867.8 | 111960.576 | 0 | 0 | 0 | 2539113.24105 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.85384 | 7954.259 | 734085.4299999999 | 0 | 0 | 0 | 0 | 742048.5428399999 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.33 | 26460875.4 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80682 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.06219279634491944 | 0.4536698756307427 | 0.17413823895292202 | 0.3135889833197699 | 0.2858759495160164 | 0.25606326445070543 | 0.00016728022090522595 | 0.33064130681844117 | 0.006390220231379532 | 0.23212636119790359 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17191140062777638 | 0.08330462624270167 | 0.03712653960517807 | 0.19391517650773615 | 0.11703906666670598 | 0.3985793555224046 | 0.07544842153346458 | 0.0849249017464221 | 0.24433883939747628 | 0.16589751797401625 Industries Manufacturières ( 200 à 290 ) | 0.0485525912243043 | 0.005576008791861809 | 0.166979363454653 | 0.19106121462507336 | 0.1987892139048431 | 0.17932048284675056 | 0.006444643638917624 | 0.5844337914351367 | 0.12411531256774634 | 0.15999573999594582 Prêts aux Particuliers ( 1560 ) | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390657 | 0.05739996568669834 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.10283792103941405 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18572712221416454 | 0.20557129110717673 | 0.2285248814842952 | 0.06048443688882135 | 0.24680549419767117 | 0.06866829092886584 | 0.8813604552481942 | 0 | 0.27064203558146577 | 0.19519514123170842 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.14415611507819615 | 0.09228873881737372 | 0.03359587905214314 | 0.007849077562827897 | 0.03153807111007371 | 0.00961396607123888 | 0 | 0 | 0.05163118073094562 | 0.03894473613305158 Bâtiments et Travaux Publics ( 600 ) | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189843 | 0.027558943495875426 | 0.047987871164615496 | 0 | 0 | 0.08845599097409078 | 0.06789284243894876 Électricité, Gaz et Eau ( 300 à 500 ) | 0.03559347930412865 | 0.005454201817794681 | 0.09408742322297316 | 0.04495962406466135 | 0.007250999715602758 | 0.01533100709653322 | 0 | 0 | 0 | 0.028717216152112975 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.3426439350318606e-06 | 0.00030844119530506846 | 0.02774229570651317 | 0 | 0 | 0 | 0 | 0.008392523836898504 Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 [Secteur d'activité juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7641.554 | 82076.32 | 2003.886 | 0 | 0 | 0 | 91721.76000000001 200 | Industrie alimentaire | 351505 | 5780.0034000000005 | 232348 | 429346.733 | 1268610.73 | 194407.615 | 0 | 140535.88934 | 192385 | 2814918.9707400007 210 | Industrie des boissons | 1228 | 0 | 3085 | 982813.872 | 2130703.81 | 140909.228 | 0 | 244488.9683 | 69130 | 3572358.8783 220 | Industrie du bois | 13139 | 48.68306 | 143 | 1209.002 | 0 | 1121.229 | 0 | 0 | 0 | 15660.91406 230 | Industrie chimique | 0 | 0 | 26599 | 331900.712 | 71039.18 | 86674.929 | 0 | 135024.67799 | 0 | 651238.49899 240 | Industrie du textile | 252664 | 0 | 211570 | 772048.106 | 123954.46 | 185900.851 | 0 | 0 | 10987 | 1557124.4170000001 250 | Industrie pharmacie | 0 | 0 | 153 | 10601.085 | 8798.7 | 31009.916 | 0 | 0 | 0 | 50562.701 260 | Imprimerie, édition | 426110 | 133.4868 | 6621 | 165027.037 | 121272.84 | 56677.751 | 0 | 0 | 4565 | 780407.1148000001 270 | Sidérurgie, aciérie | 0 | 0 | 141486 | 455702.936 | 81269.24 | 286892.94 | 0 | 0 | 50312 | 1015663.1159999999 280 | Industrie de la fabrication | 62125 | 3571.18483 | 107245 | 1097222.513 | 410160.21 | 106405.657 | 0 | 2209.39352 | 5077 | 1794015.95835 290 | Autres industries | 0 | 0 | 15719 | 126722.53 | 397161.27 | 63180.634 | 0 | 0 | 0 | 602783.434 300 | Production et distribution de l'électricité | 308289 | 0 | 287232 | 1090414.871 | 62893.9 | 238.801 | 0 | 78439.51105 | 0 | 1827508.08305 400 | Production et distribution de gaz | 0 | 2366.73555 | 1390 | 2966.934 | 112584.23 | 110029.288 | 0 | 0 | 0 | 229337.18755 500 | Traitement et distribution de l'eau | 0 | 5446.20654 | 329288 | 49519.873 | 38727.42 | 0 | 0 | 0 | 0 | 422981.49954 600 | Entrep/ batiment et corps/ métiers corresp. | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 700 | Commerce de gros(1) | 795584 | 302411.91104000004 | 937466 | 3955374.707 | 2904491.1 | 901101.56 | 0 | 0 | 38436 | 9834865.278040001 800 | Commerce de détail(2) | 112223 | 309282.21386 | 252270 | 3540223.815 | 3838202.34 | 590120.703 | 976.35 | 219335.64534000002 | 7112 | 8869746.0672 900 | Rest/débits/boissons, casinos/activités/loterie | 96038 | 0 | 16459 | 24265.352 | 22399.4 | 34664.245 | 0 | 0 | 40 | 193865.997 1000 | Hotels,motels et pensions | 395855 | 0 | 31067 | 1397934.103 | 59244.35 | 784205.434 | 317525.88 | 0 | 0 | 2985831.767 1100 | Transport | 1554313 | 152884.53365 | 92419 | 61328.091 | 655729.32 | 35197.837 | 0 | 266599.47722 | 0 | 2818471.25887 1200 | Immobilier résidentiel / Avance Hypothécaire | 1394969 | 313445.49375 | 820815 | 258007.947 | 1570107.39 | 408753.777 | 2428502.02 | 0 | 799993 | 7994593.62775 1300 | Immobilier commercial | 679838 | 30206.472719999998 | 299085 | 994917.856 | 4708091.56 | 65250.352 | 1166713.92 | 0 | 19914 | 7964017.16072 1400 | Télécommunications | 309684 | 0 | 1937 | 149013.612 | 206746.26 | 748.646 | 0 | 0 | 238979 | 907108.5179999999 1500 | Services financiers | 87834 | 97327.28409 | 126258 | 1372830.564 | 1905198.12 | 1265374.71 | 0 | 0 | 1032237 | 5887059.6780900005 1510 | Services professionnels | 907374 | 27184.64624 | 126959 | 576492.22 | 170534.24 | 170042.2 | 0 | 0 | 72278 | 2050864.30624 1520 | Services médicaux | 0 | 1101.76905 | 3510 | 42628.315 | 4106.41 | 45914.378 | 0 | 0 | 1380 | 98640.87205 1530 | Services d'agence ou de représentation | 1729 | 1058.40156 | 16 | 19665.103 | 18428.8 | 72.765 | 0 | 0 | 0 | 40970.06956 1540 | Services d'enseignement | 24706 | 0 | 17421 | 157030.586 | 7961.86 | 18295.095 | 0 | 0 | 6766 | 232180.541 1550 | Autres services | 478400 | 52582.514950000004 | 5622 | 1151037.549 | 393967.7 | 441943.405 | 0 | 328.07344 | 13340 | 2537221.24239 1560 | Crédit à la consommation | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 729409.43 | 0 | 0 | 0 | 0 | 729409.43 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 2215.05 | 0 | 0 | 0 | 0 | 2215.05 Total | 12151127 | 1584348.5938299997 | 5730601 | 23979083.321999993 | 24119833.540000003 | 6576308.780999999 | 4129516.06 | 1094556.1471000002 | 3529473 | 82894847.44393001 (1) Commerce de gros Import-export | 8678 | 38282.444729999996 | 754600 | 974884.688 | 1203274.73 | 134705 | 0 | 0 | 0 | 3114424.86273 Produits pétroliers | 111145 | 0 | 0 | 5212.261 | 0 | 35282 | 0 | 0 | 0 | 151639.261 Produits pharmaceutiques | 0 | 361.83167 | 0 | 141785.045 | 108152.28 | 12979 | 0 | 0 | 0 | 263278.15667000005 Produits alimentaires | 447832 | 19235.82991 | 172249 | 1877821.23 | 603263.2 | 338755 | 0 | 0 | 3659 | 3462815.2599099996 Matériaux de construction | 0 | 104410.31911 | 0 | 142653.666 | 441951.57 | 372745 | 0 | 0 | 34777 | 1096537.55511 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 227930 | 140121.48562 | 10616 | 813017.817 | 547849.32 | 6635 | 0 | 0 | 0 | 1746169.62262 S-Total | 795585 | 302411.91104 | 937465 | 3955374.7070000004 | 2904491.0999999996 | 901101 | - | 0 | 38436 | 9834864.718039999 (2) Commerce de détail Produits pétroliers | 21692 | 7117.233179999999 | 10634 | 120698.032 | 120499.19 | 10790 | 0 | 0 | 0 | 291430.45518 Produits pharmaceutiques | 0 | 0 | 187 | 7206.571 | 1025.43 | 19419 | 0 | 0 | 733 | 28571.001 Véhicules automobiles | 18156 | 0 | 27493 | 915218.07 | 1960724.54 | 118790 | 0 | 0 | 0 | 3040381.61 Produits alimentaires | 19 | 0 | 156672 | 809466.819 | 472160.61 | 167918 | 0 | 0 | 5241 | 1611477.429 Librairie ,papeterie | 1255 | 0 | 21 | 43520.698 | 36348.78 | 13099 | 0 | 0 | 658 | 94902.478 Appareils électro- ménagers électroni.équip. inform. | 17272 | 0 | 31222 | 289345.54 | 191049.31 | 190590 | 0 | 21780.72068 | 0 | 741259.57068 Matériaux de construction | 0 | 1253.0785700000001 | 0 | 321784.218 | 259718.9 | 18 | 0 | 1528.38466 | 0 | 584302.58123 Autres | 53831 | 287389.71361000004 | 26042 | 1032983.866 | 796675.59 | 69497 | 0 | 0 | 482 | 2266901.16961 S-Total | 112225 | 295760.02536 | 252271 | 3540223.814 | 3838202.3499999996 | 590121 | - | 23309.10534 | 7114 | 8659226.2947 [Secteur d'activité juin 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 juin 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00031867581831158384 | 0.0034028559883668252 | 0.0003047128817596803 | 0 | 0 | 0 | 0.0011064832474906297 200 | Industrie alimentaire | 0.02892776941595623 | 0.003648189181667045 | 0.040545136539780036 | 0.017905051966940245 | 0.0525961643929322 | 0.029561813697324326 | 0 | 0.12839532235266907 | 0.05450813761714567 | 0.03395770735501997 210 | Industrie des boissons | 0.00010106058475069844 | 0 | 0.0005383379509409222 | 0.04098629871719498 | 0.08833824688161591 | 0.02142679620018895 | - | 0.22336813780432146 | 0.019586493507670975 | 0.04309506547697479 220 | Industrie du bois | 0.0010812988786966017 | 3.0727492793939816e-05 | 2.4953752669222653e-05 | 5.0419024937904185e-05 | 0 | 0.00017049518770155818 | - | 0 | 0 | 0.00018892506039766855 230 | Industrie chimique | 0 | 0 | 0.004641572498242331 | 0.01384125938190024 | 0.0029452599613587543 | 0.01317987519844227 | - | 0.12336021166912688 | 0 | 0.007856199981916813 240 | Industrie du textile | 0.020793462203135563 | 0 | 0.03691933882676529 | 0.032196731444344755 | 0.005139109264350255 | 0.0282682667725544 | - | 0 | 0.0031129293240095618 | 0.018784332983461216 250 | Industrie pharmacie | 0 | 0 | 2.669877033839906e-05 | 0.0004420971751774124 | 0.0003647910747563144 | 0.004715398414623197 | - | 0 | 0 | 0.0006099619283840357 260 | Imprimerie, édition | 0.03506752912713364 | 8.425342788818298e-05 | 0.0011553761987617005 | 0.006882124507595055 | 0.005027930221777143 | 0.00861847472304692 | - | 0 | 0.0012933942262768408 | 0.009414422474543627 270 | Sidérurgie, aciérie | 0 | 0 | 0.024689556994109345 | 0.019004185017444268 | 0.0033693947292473725 | 0.04362522344280416 | - | 0 | 0.014254819345551022 | 0.012252427591316738 280 | Industrie de la fabrication | 0.005112694485046531 | 0.0022540398267827085 | 0.0187144419930824 | 0.045757483647981476 | 0.017005101188604637 | 0.016180149160182816 | - | 0.002018529178109076 | 0.0014384583760805084 | 0.021642068399528334 290 | Autres industries | 0 | 0 | 0.002742993274178398 | 0.005284711191763381 | 0.016466169608565215 | 0.009607309526362098 | - | 0 | 0 | 0.007271663469888428 300 | Production et distribution de l'électricité | 0.025371226882905593 | 0 | 0.05012249151528784 | 0.04547358447182931 | 0.0026075594549895055 | 3.63123156093178e-05 | - | 0.07166330503722772 | 0 | 0.022046099840959652 400 | Production et distribution de gaz | 0 | 0.0014938224827647684 | 0.00024255745601552088 | 0.00012373008426381084 | 0.004667703440543727 | 0.01673116206433191 | - | 0 | 0 | 0.0027666036505480445 500 | Traitement et distribution de l'eau | 0 | 0.0034375052063727696 | 0.057461337824776144 | 0.0020651278589355914 | 0.0016056255088068901 | 0 | - | 0 | 0 | 0.005102627154553897 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08535562174603228 | 0.06521343077045474 | 0.10994309322879049 | 0.12188592173240044 | 0.023157639917941158 | 0.04902432196180663 | - | 0 | 0.09743409285182235 | 0.07139272417797728 700 | Commerce de gros(1) | 0.06547409141555346 | 0.19087460437538584 | 0.16358947342521316 | 0.16495103894864396 | 0.12041920169901801 | 0.13702239204512806 | - | 0 | 0.010890011058308138 | 0.11864266092886284 800 | Commerce de détail(2) | 0.009235604236545302 | 0.19521096245135175 | 0.04402156074031328 | 0.1476379963095572 | 0.15913054846065905 | 0.08973433618338489 | 0.00023643206269550142 | 0.20038775162071354 | 0.00201503170586657 | 0.10699996852276598 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007903629021406821 | 0 | 0.002872124581697452 | 0.0010119382661195127 | 0.0009286714173567219 | 0.005271079286932286 | - | 0 | 1.133313670341153e-05 | 0.0023386977957964247 1000 | Hotels,motels et pensions | 0.03257763662580434 | 0 | 0.005421246392830351 | 0.0582980627002302 | 0.002456250367638316 | 0.11924705182118184 | 0.07689178959144186 | 0 | 0 | 0.03601950976530373 1100 | Transport | 0.12791513083518918 | 0.0964967774424045 | 0.016127278796761457 | 0.0025575661161214435 | 0.02718631199973032 | 0.005352217812778522 | - | 0.24356857154048134 | 0 | 0.034000560297507164 1200 | Immobilier résidentiel | 0.11480161469796177 | 0.19783871742031076 | 0.14323366781250343 | 0.010759708514932532 | 0.06509611218486044 | 0.06215550251851839 | 0.5880839267156162 | 0 | 0.22666075076930747 | 0.09644258810123915 1300 | Immobilier commercial | 0.05594855522454831 | 0.01906554708833298 | 0.05219086095856264 | 0.041491071307433874 | 0.19519585623143562 | 0.009922032886977364 | 0.282530423189588 | 0 | 0.005642202107793429 | 0.09607372962604042 1400 | Télécommunications | 0.025486031048807242 | 0 | 0.0003380099225194705 | 0.006214316452342658 | 0.008571628807352042 | 0.00011383984921191007 | - | 0 | 0.0677095419061146 | 0.01094288180714208 1500 | Services financiers | 0.007228465310254761 | 0.061430473362381256 | 0.022032244087487506 | 0.05725116951157489 | 0.0789888585607544 | 0.1924141265470789 | - | 0 | 0.29246207578298516 | 0.07101840294804815 1510 | Services professionnels | 0.07467406109737805 | 0.017158248093801072 | 0.022154569826096773 | 0.024041461979953504 | 0.007070290917107216 | 0.025856784658785936 | 0 | 0 | 0.020478411366229462 | 0.024740552271686155 1520 | Services médicaux | 0 | 0.0006954082291552939 | 0.0006125012018809196 | 0.001777729132826774 | 0.00017025034576586051 | 0.00698178560785557 | 0 | 0 | 0.0003909932162676978 | 0.001189951789424796 1530 | Services d'agence ou de représentation | 0.00014229132820354852 | 0.0006680357871504927 | 2.792028270682255e-06 | 0.0008200940267786607 | 0.0007640517074646443 | 1.1064717674180637e-05 | 0 | 0 | 0 | 0.0004942414495389731 1540 | Services d'enseignement | 0.00203322704140941 | 0 | 0.0030399952814722225 | 0.006548648415426698 | 0.0003300959762759623 | 0.002781970191676133 | 0 | 0 | 0.00191700007338206 | 0.002800904376560276 1550 | Autres services | 0.03937083366835027 | 0.03318872826016602 | 0.0009810489336109774 | 0.04800173274113287 | 0.016333765295131468 | 0.0672023500898931 | 0 | 0.0002997319423669792 | 0.003779601090587745 | 0.030607707482737976 1560 | Crédit à la consommation | 0.2353981651249304 | 0.11121052910083615 | 0.17561473918704165 | 0.07642006353590503 | 0.06033165517443284 | 0.03448315423618489 | 0.0522574284406585 | 0.0069384388549837955 | 0.1764147225378973 | 0.1013743957124001 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.03024106401026182 | 0 | 0 | 0 | 0 | 0.00879921312954188 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 9.183521089922082e-05 | 0 | 0 | 0 | 0 | 2.6721202442627783e-05 Total | 1 | 1.0000000000000002 | 1 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0007141724384906848 | 0.024162892484068877 | 0.13167903331605185 | 0.04065562786153616 | 0.04988735631216134 | 0.02048337517076208 | - | 0 | 0 | 0.03757078948527644 Produits pétroliers | 0.009146888185762522 | 0 | 0 | 0.0002173669831330845 | 0 | 0.0053650157215755 | - | 0 | 0 | 0.0018292965808588842 Produits pharmaceutiques | 0 | 0.00022837882484264978 | 0 | 0.005912863435856076 | 0.004483956318381789 | 0.001973599542268817 | - | 0 | 0 | 0.003176049715853342 Produits alimentaires | 0.03685518223947458 | 0.012141160086177348 | 0.030057754849796732 | 0.07831080132563545 | 0.025011084715802722 | 0.051511419442273915 | - | 0 | 0.0010366986799445696 | 0.04177358866909363 Matériaux de construction | 0 | 0.06590110252037325 | 0 | 0.005949087547859684 | 0.018323160036203132 | 0.056679972369442194 | - | 0 | 0.009853312378363569 | 0.013228054443935093 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.018757930848718806 | 0.08844107045992367 | 0.0018525107575976761 | 0.03390529179462352 | 0.022713644316469023 | 0.0010089246446531783 | - | 0 | 0 | 0.021064875278298898 S-Total | 0.0654741737124466 | 0.19087460437538578 | 0.16358929892344626 | 0.164951038948644 | 0.120419201699018 | 0.1370223068909757 | - | 0 | 0.01089001105830814 | 0.11864265417331629 (2) Commerce de détail Produits pétroliers | 0.0017851842055473536 | 0.004492214155216195 | 0.0018556517894021936 | 0.00503347147925641 | 0.004995854958955906 | 0.0016407380430757791 | - | 0 | 0 | 0.003515664292368995 Produits pharmaceutiques | 0 | 0 | 3.263183041359885e-05 | 0.00030053571703419606 | 4.251397499487055e-05 | 0.0029528722945772524 | - | 0 | 0.00020767973009001628 | 0.0003446655839414554 Véhicules automobiles | 0.0014941823914769387 | 0 | 0.004797577077866702 | 0.038167350173904206 | 0.08129096482976805 | 0.0180633245724719 | - | 0 | 0 | 0.036677570485385246 Produits alimentaires | 1.5636409692697641e-06 | 0 | 0.02733954082652064 | 0.033757204482347404 | 0.019575616441007988 | 0.025533776711510536 | - | 0 | 0.0014849242365644955 | 0.019440019237504498 Librairie ,papeterie | 0.00010328260086492389 | 0 | 3.6645371052704594e-06 | 0.001814944191801996 | 0.0015070079127917561 | 0.001991846860634813 | - | 0 | 0.00018643009877111966 | 0.0011448537626441973 Appareils électro- ménagers électroni.équip. inform. | 0.001421431937959335 | 0 | 0.005448294166702585 | 0.012066580532481627 | 0.007920838660978586 | 0.028981303394792653 | - | 0.019899135131356657 | 0 | 0.008942167016850923 Matériaux de construction | 0 | 0.0007909108985736603 | 0 | 0.013419371111020493 | 0.010767856236208502 | 0 | - | 0.0013963510817141887 | 0 | 0.007048720146631811 Autres | 0.004430124053513719 | 0.18139298051526967 | 0.004544375014069205 | 0.043078538580007875 | 0.033029895860549954 | 0.010567782370680021 | - | 0 | 0.00013656429727610894 | 0.027346707781123906 S-Total | 0.009235768830331541 | 0.18667610556905953 | 0.044021735242080196 | 0.14763799626785418 | 0.15913054887525563 | 0.08973164424774295 | - | 0.021295486213070845 | 0.0020155983627017406 | 0.10446036830645103 [Secteur d'activité juin 16 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 907807 | 611694.1249 | 1189736 | 7495598.522 | 6742693.4399999995 | 1491222.263 | 976.35 | 219335.64534000002 | 45548 | 18704611.34524 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1991936 | 179254.61589000002 | 327312 | 4741883.791999999 | 2581840.88 | 2760512.232 | 317525.88 | 328.07344 | 1126041 | 14026634.47333 Industries Manufacturières ( 200 à 290 ) | 1106771 | 9533.358090000002 | 744969 | 4372594.526000001 | 4612970.440000001 | 1153180.75 | 0 | 522258.92915 | 332456 | 12854734.003240002 Prêts aux Particuliers ( 1560 ) | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2074807 | 343651.96647000004 | 1119900 | 1252925.803 | 6278198.949999999 | 474004.129 | 3595215.94 | 0 | 819907 | 15958610.788469998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1863997 | 152884.53365 | 94356 | 210341.70299999998 | 862475.58 | 35946.483 | 0 | 266599.47722 | 238979 | 3725579.77687 Bâtiments et Travaux Publics ( 600 ) | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 Électricité, Gaz et Eau ( 300 à 500 ) | 308289 | 7812.9420900000005 | 617910 | 1142901.6779999998 | 214205.55 | 110268.089 | 0 | 78439.51105 | 0 | 2479826.7701399997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7641.554 | 813700.8 | 2003.886 | 0 | 0 | 0 | 823346.2400000001 Total | 12151127 | 1584348.5938300004 | 5730601 | 23979083.322 | 24119833.540000003 | 6576308.7809999995 | 4129516.06 | 1094556.1471 | 3529473 | 82894847.44392999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07470969565209877 | 0.3860855668267374 | 0.20761103416552645 | 0.3125890352582011 | 0.27954975015967704 | 0.22675672822851292 | 0.00023643206269550142 | 0.20038775162071357 | 0.012905042764174708 | 0.2256426294516289 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1639301440928072 | 0.1131408937326541 | 0.05711652233334689 | 0.197750836774043 | 0.10704223458749457 | 0.41976621292107785 | 0.07689178959144186 | 0.00029973194236697923 | 0.31903941466615554 | 0.16920996787909653 Industries Manufacturières ( 200 à 290 ) | 0.09108381469471927 | 0.006017209929131875 | 0.12999840679886804 | 0.1823503620752797 | 0.19125216732320785 | 0.17535380232323067 | 0 | 0.4771422010042266 | 0.09419423239673458 | 0.1550727747214317 Prêts aux Particuliers ( 1560 ) | 0.2353981651249304 | 0.1112105291008361 | 0.17561473918704165 | 0.076420063535905 | 0.06033165517443284 | 0.034483154236184886 | 0.0522574284406585 | 0.006938438854983797 | 0.1764147225378973 | 0.10137439571240013 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17075016992251008 | 0.21690426450864367 | 0.19542452877106606 | 0.05225077982236639 | 0.26029196841629604 | 0.07207753540549575 | 0.8706143499052041 | 0 | 0.23230295287710093 | 0.19251631772727962 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.15340116188399644 | 0.09649677744240445 | 0.016465288719280928 | 0.008771882568464099 | 0.03575794080708236 | 0.005466057661990431 | 0 | 0.2435685715404814 | 0.0677095419061146 | 0.04494344210464926 Bâtiments et Travaux Publics ( 600 ) | 0.08535562174603228 | 0.06521343077045472 | 0.10994309322879049 | 0.1218859217324004 | 0.023157639917941158 | 0.04902432196180662 | 0 | 0 | 0.09743409285182235 | 0.0713927241779773 Électricité, Gaz et Eau ( 300 à 500 ) | 0.025371226882905593 | 0.004931327689137536 | 0.1078263867960795 | 0.04766244241502869 | 0.008880888404340122 | 0.016767474379941225 | 0 | 0.07166330503722773 | 0 | 0.0299153306460616 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00031867581831158373 | 0.033735755209527866 | 0.00030471288175968025 | 0 | 0 | 0 | 0.00993241757947514 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 [Secteur d'activité mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 200 | Industrie alimentaire | 363609 | 5780 | 225599 | 423391.53 | 1558843.45 | 134810.04 | 20812.35 | 260667.81 | 160516 | 3154029.18 210 | Industrie des boissons | 1263 | 0 | 3173 | 879171.91 | 2799602.62 | 141517.82 | 0 | 244944.87 | 72183 | 4141856.22 220 | Industrie du bois | 18147 | 73.09 | 6778 | 922.01 | 0 | 0 | 0 | 0 | 0 | 25920.1 230 | Industrie chimique | 0 | 0 | 24318 | 289241.07 | 120456.73 | 91586.99 | 0 | 168523.45 | 0 | 694126.24 240 | Industrie du textile | 257038 | 0 | 229610 | 785562.47 | 127295.25 | 208975.28 | 0 | 0 | 11297 | 1619778 250 | Industrie pharmacie | 0 | 0 | 5461 | 9953.67 | 15734.84 | 18932.1 | 0 | 0 | 0 | 50081.61 260 | Imprimerie, édition | 38925 | 0 | 5151 | 119644.15 | 104728.4 | 36258.7 | 0 | 0 | 3756 | 308463.25 270 | Sidérurgie, aciérie | 376194 | 0 | 152569 | 479243.92 | 87281.38 | 224211.46 | 0 | 0 | 49833 | 1369332.7599999998 280 | Industrie de la fabrication | 63239 | 3791.36 | 109529 | 989786.37 | 472275.93 | 133043.64 | 0 | 28565.25 | 7040 | 1807270.5499999998 290 | Autres industries | 0 | 0 | 18 | 125365.32 | 330482.27 | 61524.52 | 0 | 0 | 0 | 517390.11000000004 300 | Production et distribution de l'électricité | 187454 | 0 | 321352 | 1026916.69 | 0 | 543.19 | 0 | 50974.24 | 0 | 1587240.1199999999 400 | Production et distribution de gaz | 0 | 0 | 1892 | 2421.97 | 170699.76 | 110172.77 | 0 | 0 | 0 | 285186.5 500 | Traitement et distribution de l'eau | 0 | 7180.02 | 264189 | 53100.51 | 43672.86 | 969.91 | 0 | 0 | 0 | 369112.3 600 | Entrep/ batiment et corps/ métiers corresp. | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 700 | Commerce de gros(1) | 821812 | 217564.7 | 730946 | 3852704.81 | 3017367.2 | 792702.91 | 0 | 30881.35 | 46575 | 9510553.97 800 | Commerce de détail(2) | 99883 | 302043.19 | 243896 | 3408913.06 | 3933454.77 | 622140.35 | 1082.05 | 189544.27 | 6659 | 8807615.69 900 | Rest/débits/boissons, casinos/activités/loterie | 94513 | 0 | 7214 | 24878.16 | 21163.37 | 20981.93 | 0 | 0 | 161 | 168911.46 1000 | Hotels,motels et pensions | 355891 | 0 | 6691 | 1393462.51 | 306445.68 | 771254.99 | 319008.65 | 0 | 0 | 3152753.8299999996 1100 | Transport | 103700 | 132182.39 | 61225 | 66564.67 | 655292.14 | 32292.09 | 0 | 0 | 0 | 1051256.29 1200 | Immobilier résidentiel / Avance Hypothécaire | 1331300 | 270168.75 | 754087 | 305844.46 | 1493239.23 | 412769.92 | 2422473.81 | 0 | 788369 | 7778252.17 1300 | Immobilier commercial | 668182 | 45893.09 | 201637 | 893800.24 | 4438249.79 | 65341.5 | 969314.73 | 0 | 27081 | 7309499.35 1400 | Télécommunications | 369355 | 0 | 2435 | 151077.08 | 215303.74 | 839.17 | 0 | 0 | 256285 | 995294.99 1500 | Services financiers | 81362 | 38293.52 | 114378 | 1354371.13 | 2041172.24 | 1160405.61 | 0 | 281192.43 | 858112 | 5929286.93 1510 | Services professionnels | 913678 | 26072.68 | 62168 | 603160.52 | 174172.16 | 141931.7 | 0 | 0 | 73112 | 1994295.06 1520 | Services médicaux | 0 | 1219.36 | 3698 | 44442.05 | 46318.54 | 47531.99 | 0 | 0 | 939 | 144148.94 1530 | Services d'agence ou de représentation | 2110 | 0 | 12 | 18472.21 | 19970.68 | 344.09 | 0 | 0 | 0 | 40908.979999999996 1540 | Services d'enseignement | 24593 | 0 | 10443 | 149075.27 | 8588.1 | 19487.46 | 0 | 0 | 6718 | 218904.83 1550 | Autres services | 512446 | 19220.33 | 6417 | 1250820.03 | 280616.13 | 442721.39 | 7304.25 | 398.01 | 12433 | 2532376.1399999997 1560 | Crédit à la consommation | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001 Total | 10256256 | 1374957.6700000004 | 4934301 | 23460076.459999997 | 24724128.809999995 | 6224453.19 | 4023425.87 | 1255691.68 | 3356708 | 79609998.67999999 (1) Commerce de gros Import-export | 6340 | 38054.27 | 615322 | 1013451.29 | 1092040.13 | 131995.97 | 0 | 0 | 0 | 2897203.66 Produits pétroliers | 131296 | 0 | 0 | 4670.92 | 0 | 38365.77 | 0 | 0 | 0 | 174332.69 Produits pharmaceutiques | 0 | 361831.67 | 818 | 142728.77 | 103855.15 | 8439.78 | 0 | 0 | 0 | 617673.37 Produits alimentaires | 453310 | 19529.46 | 104060 | 1709064.88 | 795472.08 | 301592.62 | 0 | 30881.35 | 8163 | 3422073.39 Matériaux de construction | 0 | 102712.05 | 0 | 132925.07 | 442221.27 | 301746.77 | 0 | 0 | 38412 | 1018017.16 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 230866 | 56907.08 | 10747 | 849863.89 | 583778.57 | 10561.99 | 0 | 0 | 0 | 1742724.53 S-Total | 821812 | 579034.53 | 730947 | 3852704.82 | 3017367.1999999997 | 792702.9 | - | 30881.35 | 46575 | 9872024.8 (2) Commerce de détail Produits pétroliers | 24735 | 7377.75 | 10163 | 127490.4 | 107468.31 | 19201.6 | 0 | 0 | 0 | 296436.05999999994 Produits pharmaceutiques | 0 | 0 | 9 | 7247.89 | 1126.56 | 20093.68 | 0 | 0 | 404 | 28881.13 Véhicules automobiles | 0 | 0 | 17818 | 900755.18 | 2012361.65 | 116969.86 | 0 | 129869.19 | 0 | 3177773.88 Produits alimentaires | 1000 | 0 | 130023 | 874961.29 | 520056.46 | 182744.22 | 0 | 0 | 3699 | 1712483.97 Librairie ,papeterie | 1406 | 0 | 15 | 44350.33 | 17843.59 | 11990 | 0 | 0 | 781 | 76385.92 Appareils électro- ménagers électroni.équip. inform. | 16818 | 0 | 30829 | 310385.51 | 209406.61 | 210262.96 | 0 | 0 | 0 | 777702.08 Matériaux de construction | 0 | 1340.08 | 0 | 359534.19 | 538218.27 | 141.18 | 0 | 0 | 0 | 899233.7200000001 Autres | 55923 | 280046.38 | 54918 | 784188.28 | 526973.31 | 60736.85 | 0 | 59675.08 | 1775 | 1824235.9000000004 S-Total | 99882 | 288764.21 | 243775 | 3408913.0700000003 | 3933454.76 | 622140.35 | - | 189544.27000000002 | 6659 | 8793132.66 [Secteur d'activité mars 16 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.0003211698824957709 | 0.003536388306011257 | 0.0003213133650379335 | 0 | 0 | 0 | 0.0012180478785055043 200 | Industrie alimentaire | 0.03545241070425699 | 0.0042037657784766555 | 0.04572055900116349 | 0.01804732097620794 | 0.06304947939639861 | 0.02165813379664921 | 0.005172793204712381 | 0.20758902376417754 | 0.047819470743359266 | 0.039618505618596006 210 | Industrie des boissons | 0.00012314435209105545 | 0 | 0.0006430495423769243 | 0.0374752363445622 | 0.11323362054592048 | 0.022735783478516288 | - | 0.1950676857236165 | 0.021504104616785254 | 0.052026834426270846 220 | Industrie du bois | 0.0017693591111610318 | 5.315800012956034e-05 | 0.0013736494794298118 | 3.930123593467607e-05 | 0 | 0 | - | 0 | 0 | 0.0003255884993063286 230 | Industrie chimique | 0 | 0 | 0.00492835763363443 | 0.012329076185798588 | 0.004872031323153426 | 0.014714061975297786 | - | 0.13420766632777245 | 0 | 0.00871908367678923 240 | Industrie du textile | 0.02506158192619217 | 0 | 0.04653344009617573 | 0.033485077141133926 | 0.005148624284327211 | 0.033573275213272184 | - | 0 | 0.003365499769416941 | 0.02034641410447515 250 | Industrie pharmacie | 0 | 0 | 0.0011067423734385073 | 0.0004242812258933278 | 0.0006364163575153289 | 0.0030415683791173305 | - | 0 | 0 | 0.0006290869341840819 260 | Imprimerie, édition | 0.0037952445804784905 | 0 | 0.0010439168587404782 | 0.0050999045209420436 | 0.004235878271174563 | 0.00582520245445046 | - | 0 | 0.0011189534508214596 | 0.003874679752726759 270 | Sidérurgie, aciérie | 0.03667946665917855 | 0 | 0.03092008371601165 | 0.020428063003849223 | 0.003530210535252426 | 0.03602106934633401 | - | 0 | 0.014845795344724654 | 0.0172005122811792 280 | Industrie de la fabrication | 0.006165895235064335 | 0.0027574376162431235 | 0.022197470320517537 | 0.042190244847991436 | 0.019101822904634837 | 0.02137434983264771 | - | 0.022748617718005428 | 0.00209729294296674 | 0.022701552317121582 290 | Autres industries | 0 | 0 | 3.6479331114984677e-06 | 0.005343772865094917 | 0.013366791304951144 | 0.00988432527677182 | - | 0 | 0 | 0.006499059396793851 300 | Production et distribution de l'électricité | 0.018277039886679895 | 0 | 0.06512614451368086 | 0.04377294727708658 | 0 | 8.726710337747756e-05 | - | 0.04059455104456852 | 0 | 0.019937698107244838 400 | Production et distribution de gaz | 0 | 0 | 0.0003834383026086167 | 0.00010323794145042612 | 0.006904176940340089 | 0.017699991732125147 | - | 0 | 0 | 0.003582294997219312 500 | Traitement et distribution de l'eau | 0 | 0.00522199348871591 | 0.053541322266314924 | 0.0022634414721766855 | 0.0017664064257073417 | 0.00015582252294197104 | - | 0 | 0 | 0.004636506797138412 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07584395319305602 | 0.10838405665244949 | 0.09503858803911638 | 0.1272403679114011 | 0.022512437719337385 | 0.05105111891764423 | - | 0 | 0.1087377871414493 | 0.07059770196192648 700 | Commerce de gros(1) | 0.08012787512324185 | 0.15823374402500692 | 0.14813567311763104 | 0.16422388122088843 | 0.12204139620804705 | 0.1273530197437311 | - | 0.024593099159500684 | 0.013875201536743738 | 0.11946431513243183 800 | Commerce de détail(2) | 0.009738738970634118 | 0.2196745373259381 | 0.04942868300900168 | 0.14530698848370252 | 0.1590937662648426 | 0.09995100469218886 | 0.00026893747640987354 | 0.15094809738645398 | 0.001983788878865841 | 0.1106345413395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.009215156095947682 | 0 | 0.0014620105259083303 | 0.001060446671707054 | 0.0008559804134105708 | 0.0033708872666451846 | - | 0 | 4.796365963318823e-05 | 0.0021217367516730627 1000 | Hotels,motels et pensions | 0.03469989438641157 | 0 | 0.001356017802724236 | 0.05939718535768149 | 0.012394599718961749 | 0.12390726806959888 | 0.0792878159825522 | 0 | 0 | 0.039602485645965094 1100 | Transport | 0.010110902067967102 | 0.09613560685108218 | 0.01240803915286076 | 0.0028373594652811294 | 0.026504154910200865 | 0.005187940051003902 | - | 0 | 0 | 0.013205078601063985 1200 | Immobilier résidentiel | 0.1298037022476818 | 0.19649241274460466 | 0.1528254964583636 | 0.01303680576324942 | 0.06039603018877818 | 0.06631424599081931 | 0.6020923184052599 | 0 | 0.23486374149911163 | 0.09770446299422048 1300 | Immobilier commercial | 0.06514872483682155 | 0.03337782027864173 | 0.04086434937795647 | 0.0380987777905989 | 0.17951086665609395 | 0.010497548620813067 | 0.2409177554947719 | 0 | 0.00806772587904578 | 0.09181634808689336 1400 | Télécommunications | 0.03601265413031812 | 0 | 0.0004934842848054871 | 0.0064397522428194165 | 0.008708243742562835 | 0.00013481826826944134 | - | 0 | 0.0763501025409419 | 0.0125021354918078 1500 | Services financiers | 0.007932914311031238 | 0.02785069012342757 | 0.023180182968165097 | 0.05773089155567058 | 0.08255790348311166 | 0.186426915678998 | - | 0.22393429412544966 | 0.25564094344816407 | 0.07447917382630963 1510 | Services professionnels | 0.08908494483757036 | 0.018962532861102548 | 0.012599150315313152 | 0.02571008329953244 | 0.007044622738316822 | 0.022802276066277237 | 0 | 0 | 0.021780863870196635 | 0.0250508113687611 1520 | Services médicaux | 0 | 0.0008868345743327498 | 0.0007494475914622963 | 0.0018943693587603937 | 0.0018734144428686954 | 0.007636331826924703 | 0 | 0 | 0.0002797383627053649 | 0.001810688888206373 1530 | Services d'agence ou de représentation | 0.00020572809415053602 | 0 | 2.431955407665645e-06 | 0.0007873891643744456 | 0.0008077404932432887 | 5.528035788795127e-05 | 0 | 0 | 0 | 0.0005138673618679176 1540 | Services d'enseignement | 0.0023978535637175983 | 0 | 0.0021164091935210274 | 0.006354423876417324 | 0.00034735703190991434 | 0.003130790674321064 | 0 | 0 | 0.0020013656237003637 | 0.0027497152823718653 1550 | Autres services | 0.04996423646211639 | 0.013978852163499693 | 0.0013004881542492037 | 0.05331696305988937 | 0.011349889500919488 | 0.07112614979758568 | 0.0018154304903348448 | 0.00031696475045530286 | 0.0037039265852138463 | 0.0318097749276335 1560 | Crédit à la consommation | 0.27238857922423154 | 0.11378655751634882 | 0.18451772601630909 | 0.07524123985740838 | 0.06461974989200844 | 0.03396223950075203 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181654 Total | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 (1) Commerce de gros Import-export | 0.0006181592971158286 | 0.027676684766593566 | 0.12470297211297 | 0.04319897642822943 | 0.04416900342139902 | 0.02120603464607306 | - | 0 | 0 | 0.03639245959098163 Produits pétroliers | 0.012801552535350131 | 0 | 0 | 0.0001991008003730948 | 0 | 0.0061637173304856996 | - | 0 | 0 | 0.002189834102381372 Produits pharmaceutiques | 0 | 0.2631584069057194 | 0 | 0.006083900461422452 | 0.004200558523137706 | 0.0013559070559899255 | - | 0 | 0 | 0.0077587411159595315 Produits alimentaires | 0.04419838974378175 | 0.014203680903136453 | 0.02108910664347392 | 0.07284992795799268 | 0.03217391747604312 | 0.048452869801403384 | - | 0.024593099159500684 | 0.002431846916681463 | 0.04298547226153528 Matériaux de construction | 0 | 0.07470197246145037 | 0 | 0.005666011797814918 | 0.017886222539867123 | 0.04847763502901369 | - | 0 | 0.011443354620062275 | 0.01278755403692465 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.022509773546994148 | 0.04138824142855248 | 0.002178018730515224 | 0.036225964201311904 | 0.023611694247600064 | 0.0016968542741985018 | - | 0 | 0 | 0.021890774511943507 S-Total | 0.08012787512324185 | 0.42112898646545227 | 0.14797009748695916 | 0.1642238816471445 | 0.12204139620804705 | 0.12735301813716426 | - | 0.024593099159500684 | 0.013875201536743738 | 0.12400483561972597 (2) Commerce de détail Produits pétroliers | 0.0024116987719495302 | 0.00536580155227615 | 0.0020596635673421626 | 0.00543435569007519 | 0.0043466975449720615 | 0.003084865355056192 | - | 0 | 0 | 0.003723603377906751 Produits pharmaceutiques | 0 | 0 | 1.8239665557492338e-06 | 0.0003089457109126575 | 4.556520509407588e-05 | 0.003228183968397712 | - | 0 | 0.0001203560154770686 | 0.0003627826966319955 Véhicules automobiles | 0 | 0 | 0.0036110484544822053 | 0.038395236329933094 | 0.08139262117037968 | 0.01879198966230799 | - | 0.10342442501490494 | 0 | 0.0399167684045991 Produits alimentaires | 9.750146642205499e-05 | 0 | 0.02635084483090918 | 0.037295756111103494 | 0.0210343694613683 | 0.029359080134716217 | - | 0 | 0.0011019725278457347 | 0.02151091569393806 Librairie ,papeterie | 0.00013708706178940932 | 0 | 3.039944259582056e-06 | 0.001890459738083906 | 0.0007217075326343927 | 0.0019262736234024116 | - | 0 | 0.00023266843586037273 | 0.0009595015860638374 Appareils électro- ménagers électroni.équip. inform. | 0.0016397796622861208 | 0 | 0.006247896105243681 | 0.013230370776037958 | 0.008469726541600235 | 0.033780149610218205 | - | 0 | 0 | 0.009768899546475912 Matériaux de construction | 0 | 0.0009746336409032865 | 0 | 0.01532536309559837 | 0.021768947821623977 | 0 | - | 0 | 0 | 0.011295487186409285 Autres | 0.005452574506720581 | 0.2036763648149255 | 0.011129843923181825 | 0.03342650145821392 | 0.021314130582706675 | 0.009757780827652107 | - | 0.047523672371549044 | 0.0005287918996826653 | 0.022914658086262394 S-Total | 0.009738641469167697 | 0.2100168000081049 | 0.04940416079197438 | 0.1453069889099586 | 0.1590937658603794 | 0.09992832318175084 | - | 0.15094809738645398 | 0.0019837888788658414 | 0.11045261657828734 [Secteur d'activité mars 16 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 921695 | 519607.89 | 974842 | 7261617.87 | 6950821.970000001 | 1414843.26 | 1082.05 | 220425.62 | 53234 | 18318169.660000004 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1984593 | 84805.89 | 211021 | 4838681.88 | 2898446.9000000004 | 2604659.16 | 326312.9 | 281590.44 | 951475 | 14181586.17 Industries Manufacturières ( 200 à 290 ) | 1118415 | 9644.45 | 762206 | 4102282.42 | 5616700.870000001 | 1050860.5499999998 | 20812.35 | 702701.38 | 304625 | 13688248.020000003 Prêts aux Particuliers ( 1560 ) | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1999482 | 316061.83999999997 | 955724 | 1199644.7 | 5931489.02 | 478111.42 | 3391788.54 | 0 | 815450 | 15087751.52 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 473055 | 132182.39 | 63660 | 217641.75 | 870595.88 | 33131.26 | 0 | 0 | 256285 | 2046551.28 Bâtiments et Travaux Publics ( 600 ) | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 Électricité, Gaz et Eau ( 300 à 500 ) | 187454 | 7180.02 | 587433 | 1082439.17 | 214372.62 | 111685.87000000001 | 0 | 50974.24 | 0 | 2241538.9200000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 Total | 10256256 | 1374957.6700000002 | 4934301 | 23460076.46 | 24724128.810000002 | 6224453.1899999995 | 4023425.87 | 1255691.68 | 3356708 | 79609998.68 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08986661409387597 | 0.3779082813509451 | 0.19756435612663273 | 0.30953086970459087 | 0.28113516247288955 | 0.22730402443592 | 0.00026893747640987354 | 0.17554119654595465 | 0.015858990415609578 | 0.23009885647193182 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.19350072775094537 | 0.06167890972236257 | 0.042766138506751004 | 0.20625175234403306 | 0.11723150782274216 | 0.41845589973823877 | 0.08110324647288705 | 0.22425125887590497 | 0.2834548015496135 | 0.17813825405278852 Industries Manufacturières ( 200 à 290 ) | 0.10904710256842264 | 0.007014361394849341 | 0.15447091695460005 | 0.17486227834740825 | 0.227174874923328 | 0.1688277697530568 | 0.005172793204712381 | 0.5596129935335719 | 0.09075111686807431 | 0.17194131700744303 Prêts aux Particuliers ( 1560 ) | 0.27238857922423154 | 0.11378655751634885 | 0.18451772601630909 | 0.07524123985740837 | 0.06461974989200843 | 0.033962239500752035 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181653 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19495242708450336 | 0.2298702330232464 | 0.19368984583632007 | 0.05113558355384831 | 0.23990689684487204 | 0.07681179461163239 | 0.8430100739000318 | 0 | 0.2429314673781574 | 0.1895208110811138 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.046123556198285225 | 0.09613560685108219 | 0.012901523437666247 | 0.009277111708100545 | 0.03521239865276369 | 0.005322758319273344 | 0 | 0 | 0.0763501025409419 | 0.025707214092871782 Bâtiments et Travaux Publics ( 600 ) | 0.07584395319305602 | 0.1083840566524495 | 0.09503858803911638 | 0.12724036791140106 | 0.022512437719337378 | 0.05105111891764424 | 0 | 0 | 0.1087377871414493 | 0.07059770196192647 Électricité, Gaz et Eau ( 300 à 500 ) | 0.018277039886679895 | 0.005221993488715911 | 0.11905090508260441 | 0.04613962669071369 | 0.008670583366047428 | 0.0179430813584446 | 0 | 0.04059455104456852 | 0 | 0.028156499901602565 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00032116988249577085 | 0.003536388306011256 | 0.0003213133650379336 | 0 | 0 | 0 | 0.0012180478785055041 Total | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité décembre 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904 200 | Industrie alimentaire | 268686 | 6301.91 | 67422.95 | 237927.936 | 1455113.3 | 146509.16 | 22240.2 | 263703.94571 | 164449 | 2632354.4017100004 210 | Industrie des boissons | 1341 | 0 | 3224.62 | 874619.092 | 2647731.17 | 109587.606 | 0 | 257844.48585 | 75237 | 3969584.9738499997 220 | Industrie du bois | 12614 | 127.92 | 13891.09 | 1479.074 | 0 | 0 | 0 | 0 | 0 | 28112.084000000003 230 | Industrie chimique | 0 | 0 | 24000.33 | 307906.017 | 72731.59 | 91660.408 | 0 | 200261.53 | 0 | 696559.875 240 | Industrie du textile | 251727 | 0 | 223463.39 | 770516.697 | 131861.81 | 213049.294 | 0 | 0 | 9975 | 1600593.191 250 | Industrie pharmacie | 0 | 0 | 12830.58 | 2673.794 | 7597.47 | 18836.878 | 0 | 0 | 0 | 41938.722 260 | Imprimerie, édition | 19084 | 0 | 975.54 | 80107.091 | 53043.65 | 34688.161 | 0 | 0 | 0 | 187898.44199999998 270 | Sidérurgie, aciérie | 376194 | 0 | 160304.46 | 488485.061 | 313486.87 | 217668.187 | 0 | 0 | 48923 | 1605061.5779999997 280 | Industrie de la fabrication | 64539 | 3800.13 | 94118.93 | 1009263.273 | 506549.97 | 101715.323 | 0 | 0 | 7710 | 1787696.6260000002 290 | Autres industries | 0 | 0 | 1.13 | 111221.785 | 118141.7 | 55969.27 | 0 | 0 | 2179 | 287512.885 300 | Production et distribution de l'électricité | 209203 | 0 | 342646.22 | 1059696.588 | 108.77 | 375.153 | 0 | 48389.528770000004 | 0 | 1660419.25977 400 | Production et distribution de gaz | 0 | 300.19 | 2369.32 | 2426.681 | 287140.01 | 104749.459 | 0 | 0 | 0 | 396985.66000000003 500 | Traitement et distribution de l'eau | 0 | 8267.16 | 10062.98 | 249257.269 | 38705.94 | 0 | 0 | 0 | 0 | 306293.349 600 | Entrep/ batiment et corps/ métiers corresp. | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538 700 | Commerce de gros(1) | 840149 | 217749.08 | 544821.78 | 4175451.036 | 3464810.46 | 614629.179 | 1603.52 | 81190.84998999999 | 42841 | 9983245.904989997 800 | Commerce de détail(2) | 119950 | 297332.58 | 281496.41 | 2958113.836 | 3647202.55 | 625702.641 | 2373.39 | 282192.93239 | 7705 | 8222069.339389999 900 | Rest/débits/boissons, casinos/activités/loterie | 88073 | 0 | 7593.02 | 27182.119 | 20982.13 | 19016.491 | 0 | 0 | 4987 | 167833.76 1000 | Hotels,motels et pensions | 324710 | 0 | 7730.43 | 1328495.867 | 295275.98 | 734325.606 | 315287.95 | 0 | 0 | 3005825.833 1100 | Transport | 107809 | 133438.64 | 69437.82 | 68874.922 | 732263.4 | 36073.766 | 0 | 1.29836 | 0 | 1147898.84636 1200 | Immobilier résidentiel / Avance Hypothécaire | 1268052 | 264142.57 | 667063.53 | 306539.308 | 1324510.62 | 402425.232 | 2092504.71 | 0 | 791413 | 7116650.970000001 1300 | Immobilier commercial | 630863 | 46347.81 | 191571.72 | 849703.248 | 4268949.98 | 66598.942 | 999775.3 | 0 | 28472 | 7082282 1400 | Télécommunications | 404856 | 0 | 3317.47 | 155312.228 | 271563.41 | 2779.951 | 0 | 45357.6 | 312059 | 1195245.659 1500 | Services financiers | 80840 | 48572.15 | 43459.73 | 1464141.103 | 2288194.65 | 1073597.169 | 0 | 209976.37103 | 712963 | 5921744.17303 1510 | Services professionnels | 864080 | 25390.03 | 26748.73 | 567305.593 | 168236.05 | 131263.918 | 0 | 0.8425199999999999 | 76416 | 1859441.1635200002 1520 | Services médicaux | 2785 | 1242.63 | 3.18 | 42862.455 | 44309.81 | 47270.459 | 0 | 0 | 1092 | 139565.53399999999 1530 | Services d'agence ou de représentation | 1538 | 0 | 4660.47 | 19798.56 | 29298.46 | 111.483 | 0 | 0 | 0 | 55406.973000000005 1540 | Services d'enseignement | 23413 | 0 | 10705.16 | 159901.115 | 11460.99 | 20419.925 | 0 | 0 | 6074 | 231974.18999999997 1550 | Autres services | 768043 | 45754.98 | 5355.98 | 1403108.441 | 173076.06 | 410364.78 | 0 | 27948.04322 | 13886 | 2847537.2842200003 1560 | Crédit à la consommation | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531 Total | 10472517 | 1407363.63 | 4296729.98 | 23091310.062999997 | 24629665.839999996 | 5843261.914999999 | 3897485.14 | 1420702.08284 | 3283751 | 78342786.65084 (1) Commerce de gros Import-export | 2137 | 43096.41 | 482665.7 | 954480.852 | 1456099.03 | 147468 | 0 | 0 | 0 | 3085946.9919999996 Produits pétroliers | 150798 | 0 | 0 | 3803.572 | 0 | 34605 | 0 | 0 | 0 | 189206.572 Produits pharmaceutiques | 0 | 361.83 | 36.56 | 131605.165 | 104828.75 | 2648 | 0 | 0 | 0 | 239480.30500000002 Produits alimentaires | 454433 | 19572.7 | 50897.8 | 1824038.656 | 861384.86 | 256308 | 0 | 81191.84998999999 | 10101 | 3557927.86599 Matériaux de construction | 0 | 95106.94 | 10827.02 | 190420.123 | 582821.6 | 163552 | 0 | 0 | 32740 | 1075467.683 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 232780 | 59611.2 | 428.21 | 1071102.668 | 459676.23 | 10048 | 0 | 0 | 0 | 1833646.3080000002 S-Total | 840148 | 217749.08000000002 | 544855.29 | 4175451.0360000003 | 3464810.47 | 614629 | - | 81191.84998999999 | 42841 | 9981675.725990001 (2) Commerce de détail Produits pétroliers | 27275 | 7647.25 | 8240.14707 | 131358.737 | 105119.25 | 6215 | 0 | 0 | 0 | 285855.38407000003 Produits pharmaceutiques | 0 | 0 | 20.93805 | 13338.551 | 1261.87 | 16951 | 0 | 0 | 440 | 32012.35905 Véhicules automobiles | 9608 | 0 | 23921.26184 | 858223.614 | 1849649.65 | 118997 | 0 | 93609.86793000001 | 0 | 2954009.39377 Produits alimentaires | 0 | 0 | 165981.65627 | 727617.648 | 559526.3 | 200836 | 0 | 0 | 4020 | 1657981.60427 Librairie ,papeterie | 1422 | 0 | 0 | 56487.759 | 23831.83 | 11008 | 0 | 0 | 904 | 93653.589 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 28495.04417 | 289395.635 | 200453.33 | 214205 | 0 | 0 | 0 | 732549.00917 Matériaux de construction | 16440 | 1295.69 | 52466.45965999999 | 327522.232 | 424789.19 | 147 | 0 | 0 | 0 | 822660.57166 Autres | 65205 | 288389.63 | 2370.9033999999997 | 554169.661 | 482571.14 | 57343 | 0 | 188583.06446 | 2341 | 1640973.39886 S-Total | 119950 | 297332.57 | 281496.41046 | 2958113.837 | 3647202.5600000005 | 625702 | - | 282192.93239 | 7705 | 8219695.309849999 [Secteur d'activité décem 15 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.000761048521834e-06 | 0.00014262265722537063 | 0.003540294073271114 | 0 | 0 | 0 | 0 | 0.0011551019292090718 200 | Industrie alimentaire | 0.025656296380325763 | 0.00447781217708461 | 0.015691688868938417 | 0.010303786807715173 | 0.05907970126159049 | 0.02507318037959283 | 0.0057062950084782104 | 0.18561523129666477 | 0.05007961931340105 | 0.03360046935070028 210 | Industrie des boissons | 0.00012804944599278283 | 0 | 0.0007504823470429016 | 0.0378765470479491 | 0.10750170900410398 | 0.018754525741637926 | - | 0.18149089028895196 | 0.022911907754272477 | 0.050669438036991726 220 | Industrie du bois | 0.001204485989375811 | 9.089335355355176e-05 | 0.0032329446031421315 | 6.405327354596357e-05 | 0 | 0 | - | 0 | 0 | 0.0003588343637212014 230 | Industrie chimique | 0 | 0 | 0.00558571986410931 | 0.013334280998347011 | 0.0029530075833136033 | 0.015686513685909287 | - | 0.1409595526175867 | 0 | 0.0088911807299432 240 | Industrie du textile | 0.0240369149078488 | 0 | 0.05200778057735897 | 0.033368253897150056 | 0.005353779903333029 | 0.036460678487317134 | - | 0 | 0.003037684647831093 | 0.020430638983185038 250 | Industrie pharmacie | 0 | 0 | 0.002986126673010064 | 0.00011579221762234756 | 0.000308468253258283 | 0.0032236922243113254 | - | 0 | 0 | 0.0005353233372577555 260 | Imprimerie, édition | 0.0018222935326817804 | 0 | 0.00022704242634302094 | 0.0034691444868846294 | 0.002153648788602485 | 0.005936437815829107 | - | 0 | 0 | 0.0023984140727266985 270 | Sidérurgie, aciérie | 0.03592202333020801 | 0 | 0.03730847894705266 | 0.021154497500023458 | 0.012728019618150047 | 0.03725114331110726 | - | 0 | 0.014898510879783515 | 0.020487675338298553 280 | Industrie de la fabrication | 0.006162701860498293 | 0.00270017635740665 | 0.021904781179663515 | 0.04370749300262428 | 0.020566660274267044 | 0.01740728457488629 | - | 0 | 0.002347924675165687 | 0.02281890525502302 290 | Autres industries | 0 | 0 | 2.6299069414643546e-07 | 0.004816607836305248 | 0.004796723624570297 | 0.009578429105894359 | - | 0 | 0.0006635704107893686 | 0.0036699343652580843 300 | Production et distribution de l'électricité | 0.01997638199107244 | 0 | 0.07974581172075419 | 0.04589157501713116 | 4.416219071204419e-06 | 6.420266718439576e-05 | - | 0.034060292692236205 | 0 | 0.02119428387415163 400 | Production et distribution de gaz | 0 | 0.0002132995294187047 | 0.0005514239924380819 | 0.00010509065935970236 | 0.011658299055510047 | 0.017926538382799843 | - | 0 | 0 | 0.005067290518644622 500 | Traitement et distribution de l'eau | 0 | 0.005874217454376024 | 0.0023420089339661037 | 0.010794418693437127 | 0.001571517057983764 | 0 | - | 0 | 0 | 0.003909656039746141 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0743634982879474 | 0.09345613826897033 | 0.13494150498142307 | 0.11215217611882622 | 0.02522909665265682 | 0.0583943814197485 | - | 0 | 0.11444747180891608 | 0.06916096260589047 700 | Commerce de gros(1) | 0.08022417151483259 | 0.1547212641838698 | 0.1267991664675191 | 0.18082347968166904 | 0.14067630809561973 | 0.10518597111353344 | 0.0004114242755008939 | 0.05714839935174765 | 0.013046360701527003 | 0.12743031403112537 800 | Commerce de détail(2) | 0.011453788998385011 | 0.2112691941598633 | 0.0655141028899377 | 0.12810506757431178 | 0.1480816903360797 | 0.10708105337427785 | 0.0006089542139986196 | 0.1986292100212122 | 0.0023464020262194056 | 0.10494992188667368 900 | Rest/débits/boissons, casinos/activités/loterie | 0.008409917119256049 | 0 | 0.00176716247829006 | 0.001177157940620911 | 0.0008519047776086272 | 0.0032544307061067286 | - | 0 | 0.0015186900590209184 | 0.0021423001041309076 1000 | Hotels,motels et pensions | 0.0310059176795798 | 0 | 0.0017991426121685215 | 0.05753228653443508 | 0.01198863118639859 | 0.12567049307082107 | 0.08089522824967076 | 0 | 0 | 0.03836761444798276 1100 | Transport | 0.010294468846410085 | 0.09481461447174105 | 0.016160619895411718 | 0.0029827204178580007 | 0.029730951477659192 | 0.006173566498430699 | - | 0 | 0 | 0.014652259581676397 1200 | Immobilier résidentiel | 0.12108378530204343 | 0.18768608508093962 | 0.15524911574732 | 0.013275093841088667 | 0.053777043854525974 | 0.06886996301961934 | 0.5368858725141925 | 0 | 0.24100883410465654 | 0.0908399008286195 1300 | Immobilier commercial | 0.06023986401740861 | 0.03293236304536305 | 0.04458546869170494 | 0.036797533170779634 | 0.17332553383923624 | 0.011397562349385121 | 0.2565180530746039 | 0 | 0.008670572159703948 | 0.0904012009626934 1400 | Télécommunications | 0.03865890119825062 | 0 | 0.0007720918036371462 | 0.006726003313638845 | 0.011025866601850738 | 0.00047575327624176854 | - | 0.03192618674094545 | 0.09503126150551611 | 0.015256614043191997 1500 | Services financiers | 0.007719252210333008 | 0.03451286431211811 | 0.01011460580541298 | 0.06340658451189583 | 0.09290400709715842 | 0.1837325084203418 | - | 0.14779760905977896 | 0.21711847213750374 | 0.0755876121616936 1510 | Services professionnels | 0.08250929552083802 | 0.018040845634187664 | 0.006225369088704056 | 0.02456792583236814 | 0.006830626574184979 | 0.02246415100152156 | 0 | 0 | 0.023270948375805595 | 0.02373468245145787 1520 | Services médicaux | 0.00026593415890372867 | 0.000882948779911273 | 7.400977056510308e-07 | 0.001856215818117656 | 0.0017990422723494005 | 0.00808973817837156 | 0 | 0 | 0.00033254652986782493 | 0.0017814726788060143 1530 | Services d'agence ou de représentation | 0.00014686058757412378 | 0 | 0.0010846550799545472 | 0.0008574030640090843 | 0.0011895597849491573 | 1.907889833139544e-05 | 0 | 0 | 0 | 0.000707237709668653 1540 | Services d'enseignement | 0.002235661207329623 | 0 | 0.0024914667781846507 | 0.006924731189514235 | 0.000465332744441327 | 0.0034946105954245937 | 0 | 0 | 0.0018497139399424622 | 0.0029610153010495794 1550 | Autres services | 0.07333891174394847 | 0.032511128627077 | 0.0012465246885260402 | 0.060763483629638196 | 0.007027137969485339 | 0.07022871573608046 | - | 0.01967199426084569 | 0.004228700653612287 | 0.036347153400490745 1560 | Crédit à la consommation | 0.28314062416895575 | 0.1258161545641193 | 0.20891270900853767 | 0.07690797326590817 | 0.06288102201877052 | 0.038105395965294504 | 0.11897417266355505 | 0.0026991267531152486 | 0.18319080831646492 | 0.11049259160999203 Total | 1 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999984930830849 | 1 | 1 (1) Commerce de gros Import-export | 0.00020405791654480007 | 0.03062208592103521 | 0.11233326325988956 | 0.041335067148459345 | 0.05911972332305099 | 0.0252372736572771 | - | 0 | 0 | 0.039390314334279704 Produits pétroliers | 0.014399403696360674 | 0 | 0 | 0.00016471876171697138 | 0 | 0.005922205867781986 | - | 0 | 0 | 0.002415111589574422 Produits pharmaceutiques | 0 | 0.0002570977338671172 | 0 | 0.005699337310916608 | 0.004256198629774021 | 0.00045317153988980494 | - | 0 | 0 | 0.0030568264831747887 Produits alimentaires | 0.043392911178850316 | 0.013907351009205775 | 0.01184570597568712 | 0.07899242836476048 | 0.03497346921374229 | 0.04386385613522512 | - | 0.057149103229085535 | 0.0030760554012773805 | 0.04541487503944757 Matériaux de construction | 0 | 0.06757808570056625 | 0.0025198278808295045 | 0.008246397561700786 | 0.023663398593636788 | 0.02798984580515762 | - | 0 | 0.009970305300249623 | 0.013727718006677117 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.02222770323504846 | 0.04235664381919547 | 9.965950897384525e-05 | 0.04638553053411486 | 0.018663518741430074 | 0.001719587474627175 | - | 0 | 0 | 0.023405426158406118 S-Total | 0.08022407602680426 | 0.15472126418386983 | 0.12679845662538 | 0.18082347968166906 | 0.14067630850163415 | 0.10518594047995881 | - | 0.057149103229085535 | 0.013046360701527003 | 0.1274102716115597 (2) Commerce de détail Produits pétroliers | 0.002604435972746571 | 0.005433741384946832 | 0.001917771679476121 | 0.005688665417493165 | 0.004267993349275583 | 0.001063618247890913 | - | 0 | 0 | 0.0036487773321621443 Produits pharmaceutiques | 0 | 0 | 4.873019737675021e-06 | 0.0005776437527194621 | 5.123374422525255e-05 | 0.002900948176990968 | - | 0 | 0.00013399310727274998 | 0.00040861910098594583 Véhicules automobiles | 0.000917448976210781 | 0 | 0.00556731792580552 | 0.03716651899171201 | 0.07509844680864741 | 0.020364823917019305 | - | 0.06588986463852632 | 0 | 0.03770620780870994 Produits alimentaires | 0 | 0 | 0.03862976194515253 | 0.03151045332702396 | 0.022717575773654918 | 0.03437052846877223 | - | 0 | 0.0012242097528101248 | 0.021163168622777385 Librairie ,papeterie | 0.0001357839762876489 | 0 | 0 | 0.002446277792203409 | 0.0009676067127673221 | 0.0018838792715660773 | - | 0 | 0.00027529492948764997 | 0.0011954334662283275 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.00663179773982446 | 0.012532664201833599 | 0.008138694666106765 | 0.03665846287843492 | - | 0 | 0 | 0.009350561046990093 Matériaux de construction | 0.0015698231857728185 | 0.0009206504789384107 | 0.01221078818176049 | 0.014183787368772991 | 0.01724705453819507 | 0 | - | 0 | 0 | 0.010500782609718151 Autres | 0.006226296887367192 | 0.20491479519049388 | 0.0005517925052390654 | 0.023999056765859512 | 0.019593085149221826 | 0.009813525533195273 | - | 0.1327393453826859 | 0.0007129042366488811 | 0.020946068796014742 S-Total | 0.011453788998385011 | 0.21126918705437914 | 0.06551410299699587 | 0.1281050676176181 | 0.14808169074209415 | 0.10705578649386968 | - | 0.1986292100212122 | 0.002346402026219406 | 0.10491961878358672 [Secteur d'activité déc. 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 960099 | 515081.66000000003 | 826318.19 | 7133564.8719999995 | 7112013.01 | 1240331.8199999998 | 3976.91 | 363383.78238 | 50546 | 18205315.244379997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2153482 | 120959.79000000001 | 106256.70000000001 | 5012795.2530000005 | 3030834.13 | 2436369.8310000002 | 315287.95 | 237925.25677 | 815418 | 14229328.910769999 Industries Manufacturières ( 200 à 290 ) | 994185 | 10229.96 | 600233.0199999999 | 3884199.8200000003 | 5306257.529999999 | 989684.287 | 22240.2 | 721809.96156 | 308473 | 12837312.77856 Prêts aux Particuliers ( 1560 ) | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1898915 | 310490.38 | 858635.25 | 1156242.556 | 5593460.600000001 | 469024.174 | 3092280.01 | 0 | 819885 | 14198932.97 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 512665 | 133438.64 | 72755.29000000001 | 224187.15000000002 | 1003826.81 | 38853.717000000004 | 0 | 45358.89836 | 312059 | 2343144.50536 Bâtiments et Travaux Publics ( 600 ) | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538 Électricité, Gaz et Eau ( 300 à 500 ) | 209203 | 8567.35 | 355078.51999999996 | 1311380.5380000002 | 325954.72000000003 | 105124.61200000001 | 0 | 48389.528770000004 | 0 | 2363698.268770001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904 Total | 10472517 | 1407363.6300000004 | 4296729.9799999995 | 23091310.063 | 24629665.84 | 5843261.915 | 3897485.1399999997 | 1420702.0828399998 | 3283751 | 78342786.65084 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0916779605132176 | 0.365990458343733 | 0.19231326935745682 | 0.30892854725598073 | 0.28875799843169936 | 0.21226702448781123 | 0.0010203784894995136 | 0.2557776093729599 | 0.015392762727746409 | 0.23238023591779905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2056317502277628 | 0.08594778735329403 | 0.024729666628946514 | 0.21708578852059912 | 0.12305624240657582 | 0.41695372660699914 | 0.08089522824967077 | 0.16747019635135937 | 0.24831907169575282 | 0.18162908825528012 Industries Manufacturières ( 200 à 290 ) | 0.09493276544693124 | 0.007268881888044809 | 0.13969530847735515 | 0.16821045706816726 | 0.21544171831118922 | 0.16937188532648548 | 0.005706295008478211 | 0.5080656742032035 | 0.09393921768124319 | 0.16386081383310555 Prêts aux Particuliers ( 1560 ) | 0.28314062416895575 | 0.12581615456411926 | 0.20891270900853773 | 0.07690797326590816 | 0.06288102201877052 | 0.0381053959652945 | 0.11897417266355506 | 0.002699126753115249 | 0.18319080831646492 | 0.11049259160999203 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18132364931945205 | 0.2206184481263026 | 0.19983458443902496 | 0.0500726270118683 | 0.2271025776937622 | 0.08026752536900444 | 0.7934039255887965 | 0 | 0.24967940626436047 | 0.1812411017913129 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.04895337004466071 | 0.09481461447174103 | 0.01693271169904887 | 0.009708723731496845 | 0.04075681807950993 | 0.006649319774672467 | 0 | 0.03192710062712588 | 0.09503126150551611 | 0.02990887362486839 Bâtiments et Travaux Publics ( 600 ) | 0.0743634982879474 | 0.0934561382689703 | 0.1349415049814231 | 0.1121521761188262 | 0.025229096652656817 | 0.05839438141974849 | 0 | 0 | 0.11444747180891608 | 0.06916096260589047 Électricité, Gaz et Eau ( 300 à 500 ) | 0.01997638199107244 | 0.006087516983794727 | 0.0826392446471584 | 0.05679108436992798 | 0.013234232332565014 | 0.017990741049984237 | 0 | 0.034060292692236205 | 0 | 0.03017123043254241 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.0007610485218343e-06 | 0.0001426226572253706 | 0.0035402940732711134 | 0 | 0 | 0 | 0 | 0.0011551019292090718 Total | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité septembre 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001 200 | Industrie alimentaire | 411980 | 6301.91 | 68116.3 | 232336.11 | 1098557.65 | 157519.05 | 40840.1 | 274015.72 | 157926 | 2447592.84 210 | Industrie des boissons | 1386 | 0 | 3.78 | 768839.45 | 2440676.15 | 111255.26 | 0 | 244232.04 | 78291 | 3644683.6799999997 220 | Industrie du bois | 18282 | 261.03 | 25913.28 | 140.59 | 0 | 286.17 | 0 | 0 | 0 | 44883.06999999999 230 | Industrie chimique | 0 | 0 | 24000 | 299506.74 | 79472.34 | 79485.68 | 0 | 244696.17 | 0 | 727160.9299999999 240 | Industrie du textile | 269695 | 0 | 100891.71 | 759474.43 | 123787.13 | 196574.21 | 0 | 0 | 9056 | 1459478.48 250 | Industrie pharmacie | 0 | 0 | 5837.73 | 3090.76 | 10474.48 | 17342.66 | 0 | 0 | 0 | 36745.630000000005 260 | Imprimerie, édition | 9463 | 0 | 5469.25 | 217596.64 | 36907.59 | 28110.6 | 0 | 0 | 4542 | 302089.07999999996 270 | Sidérurgie, aciérie | 376194 | 0 | 38896.11 | 413568.79 | 316381.04 | 211187.78 | 0 | 66560.1 | 49195 | 1471982.82 280 | Industrie de la fabrication | 64909 | 3087.35 | 105408.62 | 999240.37 | 522046.02 | 117177.47 | 0 | 12507.68 | 5605 | 1829981.51 290 | Autres industries | 0 | 0 | 121.02 | 104927.18 | 88820.38 | 52184.21 | 0 | 0 | 854 | 246906.79 300 | Production et distribution de l'électricité | 356730 | 0 | 378988.13 | 1019739.65 | 204.02 | 897.21 | 0 | 126617.72 | 0 | 1883176.73 400 | Production et distribution de gaz | 0 | 0 | 2847.28 | 2587.47 | 374644.65 | 96441.07 | 0 | 0 | 0 | 476520.47000000003 500 | Traitement et distribution de l'eau | 0 | 9430.46 | 9477.34 | 284938.7 | 25848.49 | 0 | 0 | 0 | 0 | 329694.99 600 | Entrep/ batiment et corps/ métiers corresp. | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96 700 | Commerce de gros(1) | 771976 | 136035.79 | 334986.74 | 3758446.95 | 3033083.4 | 546479.22 | 1584.76 | 0 | 23360 | 8605952.860000001 800 | Commerce de détail(2) | 108383 | 359820.93 | 194060.44 | 2651494.27 | 3563570.78 | 575358.98 | 4070.66 | 333537.23 | 9060 | 7799356.290000001 900 | Rest/débits/boissons, casinos/activités/loterie | 81993 | 0 | 11267.53 | 15831.53 | 10986.41 | 18549.26 | 0 | 0 | 7076 | 145703.73 1000 | Hotels,motels et pensions | 277180 | 0 | 8247.69 | 1272988.94 | 291582.24 | 649669.38 | 329073.83 | 0 | 0 | 2828742.08 1100 | Transport | 114998 | 133732.47 | 67596.85 | 65345.86 | 726423.24 | 30940.75 | 0 | 1.15 | 0 | 1139038.3199999998 1200 | Immobilier résidentiel / Avance Hypothécaire | 1222698 | 259232.15 | 566377.35 | 298733.64 | 1122643.48 | 444860.38 | 1961700.44 | 0 | 805461 | 6681706.4399999995 1300 | Immobilier commercial | 600528 | 45374.93 | 237195.85 | 815883.07 | 4157762.83 | 68800.11 | 883362.28 | 0 | 32346 | 6841253.07 1400 | Télécommunications | 420990 | 0 | 3950.35 | 139370.01 | 368107.24 | 1914.25 | 0 | 32109.91 | 310317 | 1276758.76 1500 | Services financiers | 81527 | 11911.46 | 46650.62 | 1555891.64 | 2120374.62 | 992963.09 | 0 | 221620.85 | 653191 | 5684130.279999999 1510 | Services professionnels | 822829 | 24758.89 | 19443.54 | 597221.87 | 171186.55 | 126633.93 | 0 | 0 | 78309 | 1840382.78 1520 | Services médicaux | 2785 | 1253.36 | 1.25 | 47190.19 | 45047.19 | 48788.89 | 0 | 0 | 1246 | 146311.88 1530 | Services d'agence ou de représentation | 1617 | 0 | 4358.76 | 102581.81 | 31209.97 | 121.17 | 0 | 0 | 0 | 139888.71 1540 | Services d'enseignement | 24394 | 0 | 3324.4 | 80254.24 | 9876.91 | 21457.86 | 262.6 | 0 | 5871 | 145441.01000000004 1550 | Autres services | 525228 | 17530.95 | 5684.78 | 1487759.86 | 201465.51 | 403859.81 | 0 | 63300.73 | 15202 | 2720031.64 1560 | Crédit à la consommation | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999 Total | 10251637 | 1373469.1099999999 | 3641461.5 | 22760038.39 | 23212727.060000002 | 5512617.169999999 | 3657584.66 | 1623927.04 | 3421281 | 75454742.92999999 (1) Commerce de gros Import-export | 0 | 42642.02 | 252584.63 | 935331.9 | 1177857.08 | 150857 | 0 | 0 | 0 | 2559272.63 Produits pétroliers | 169686 | 0 | 0 | 4266.03 | 8868.01 | 34721 | 0 | 0 | 0 | 217541.04 Produits pharmaceutiques | 0 | 524.77 | 0.17 | 149945.19 | 104948.74 | 17942 | 0 | 0 | 0 | 273360.87 Produits alimentaires | 289545 | 19760.55 | 62905.91 | 1699202.62 | 875248.03 | 228958 | 0 | 0 | 17785 | 3193405.1100000003 Matériaux de construction | 0 | 0 | 9957.13 | 181410.73 | 405308.95 | 108156 | 0 | 0 | 5575 | 710407.81 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 312745 | 73108.46 | 9538.9 | 788290.48 | 460852.6 | 5844 | 0 | 0 | 0 | 1650379.44 S-Total | 771976 | 136035.8 | 334986.74000000005 | 3758446.95 | 3033083.4100000006 | 546478 | - | 0 | 23360 | 8604366.9 (2) Commerce de détail Produits pétroliers | 26912 | 7881.18 | 911.85 | 117152.94 | 98952.68 | 10308 | 0 | 0 | 0 | 262118.65 Produits pharmaceutiques | 0 | 0 | 593.31 | 8461.62 | 1136.07 | 17933 | 0 | 0 | 642 | 28766 Véhicules automobiles | 18869 | 0 | 9319 | 774669.67 | 1611447.82 | 93100 | 0 | 86955.62 | 0 | 2594361.1100000003 Produits alimentaires | 0 | 0 | 102944.43 | 698361.59 | 552338.86 | 191347 | 0 | 0 | 4240 | 1549231.88 Librairie ,papeterie | 1500 | 0 | 0 | 45134.64 | 23631.03 | 10128 | 0 | 0 | 1028 | 81421.67 Appareils électro- ménagers électroni.équip. inform. | 15119 | 0 | 77460.23 | 273009.17 | 205223.76 | 208260 | 0 | 0 | 0 | 779072.1599999999 Matériaux de construction | 0 | 1303.54 | 0 | 271101.18 | 260423.76 | 1 | 0 | 0 | 0 | 532829.48 Autres | 45984 | 350636.2 | 2831.61 | 463603.47 | 810416.79 | 44283 | 0 | 246581.6 | 3151 | 1967487.6700000002 S-Total | 108384 | 359820.92000000004 | 194060.43 | 2651494.2799999993 | 3563570.7699999996 | 575360 | - | 333537.22 | 9061 | 7795288.620000001 [Secteur d'activité septem 15 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.6724054339171236e-06 | 0.00012386754150813187 | 0.0038194379217415396 | 0 | 0 | 0 | 0 | 0.001212447176248037 200 | Industrie alimentaire | 0.04018675261326557 | 0.0045883157867307265 | 0.018705758663108207 | 0.010208071973291604 | 0.04732566092559742 | 0.028574276998088736 | 0.011165865946080383 | 0.16873647229865693 | 0.04615990326430364 | 0.03243789250293587 210 | Industrie des boissons | 0.00013519792009802922 | 0 | 1.0380447520864905e-06 | 0.03378023520108834 | 0.10514387834274563 | 0.020181931117121275 | - | 0.1503959438965928 | 0.022883533974555146 | 0.04830291030719174 220 | Industrie du bois | 0.0017833249460549568 | 0.0001900515986122178 | 0.007116175744271908 | 6.177054607331882e-06 | 0 | 5.1911821767227865e-05 | - | 0 | 0 | 0.0005948343107024882 230 | Industrie chimique | 0 | 0 | 0.006590760330707876 | 0.013159324903933081 | 0.003423653747988367 | 0.014418864497350904 | - | 0.15068175107177229 | 0 | 0.009637047344718852 240 | Industrie du textile | 0.026307505815900425 | 0 | 0.0277063783318868 | 0.03336876752957006 | 0.005332726727025066 | 0.03565896269194402 | - | 0 | 0.002646961766659915 | 0.01934243525756851 250 | Industrie pharmacie | 0 | 0 | 0.0016031283043909704 | 0.0001357976619827661 | 0.0004512386663111869 | 0.0031459939018402766 | - | 0 | 0 | 0.000486989002587806 260 | Imprimerie, édition | 0.0009230720908280307 | 0 | 0.0015019381641135023 | 0.009560468935571071 | 0.0015899721693449314 | 0.0050993201837014205 | - | 0 | 0.0013275729178632214 | 0.004003579738920462 270 | Sidérurgie, aciérie | 0.03669599303994084 | 0 | 0.010681455783618747 | 0.018170830071258064 | 0.013629636844573313 | 0.03830989410062735 | - | 0.04098712464323521 | 0.014379117061708758 | 0.019508154992530703 280 | Industrie de la fabrication | 0.006331574167130576 | 0.0022478481514593366 | 0.028946789633777534 | 0.04390328139512422 | 0.022489646246674128 | 0.021256232092024634 | - | 0.00770211942526679 | 0.0016382752542103381 | 0.02425270352716846 290 | Autres industries | 0 | 0 | 3.323390896759447e-05 | 0.004610149517414764 | 0.0038263655868790453 | 0.009466322146219345 | - | 0 | 0.00024961410652910417 | 0.003272250098698998 300 | Production et distribution de l'électricité | 0.034797369434754664 | 0 | 0.10407583054221499 | 0.04480395122918771 | 8.789143967128522e-06 | 0.00016275572424703677 | - | 0.07797007924691 | 0 | 0.024957698573660758 400 | Production et distribution de gaz | 0 | 0 | 0.0007819058364340801 | 0.0001136847818823033 | 0.016139622416255644 | 0.01749460683118687 | - | 0 | 0 | 0.006315315002028065 500 | Traitement et distribution de l'eau | 0 | 0.006866160972488125 | 0.002602619854692958 | 0.012519253927321693 | 0.0011135481812708653 | 0 | - | 0 | 0 | 0.0043694402392419635 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05351174646546693 | 0.127827854825217 | 0.14707569474509066 | 0.11847883882238038 | 0.025389009592740198 | 0.05714686695720611 | - | 0 | 0.16806833463840007 | 0.07203907599344332 700 | Commerce de gros(1) | 0.07530270531428297 | 0.09904539462121578 | 0.09199238822104806 | 0.16513359448687645 | 0.13066467339921412 | 0.09913244528823323 | 0.00043328046984973954 | 0 | 0.006827851906931936 | 0.11405449844264684 800 | Commerce de détail(2) | 0.010572262751792714 | 0.26197963054298323 | 0.053291910404654835 | 0.11649779427283294 | 0.15351797187762217 | 0.10437129266496845 | 0.0011129366449169216 | 0.20538929507571965 | 0.0026481309193837044 | 0.1033646923591739 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007998039727703975 | 0 | 0.0030942329062108717 | 0.0006955845033616395 | 0.0004732925162822295 | 0.003364873603221753 | - | 0 | 0.0020682311683840058 | 0.0019310082354288929 1000 | Hotels,motels et pensions | 0.027037633111667923 | 0 | 0.002264939502999002 | 0.05593087841887423 | 0.012561309114880015 | 0.11785135081310211 | 0.08997025649161597 | 0 | 0 | 0.037489254752670065 1100 | Transport | 0.01121752555226058 | 0.09736838566394844 | 0.018563109894200448 | 0.0028710786370514554 | 0.031294179185511 | 0.005612715167013857 | - | 7.08159893685864e-07 | 0 | 0.01509564907081713 1200 | Immobilier résidentiel | 0.11926856169409822 | 0.18874261394928643 | 0.15553572377464378 | 0.01312535747440802 | 0.04836327403920287 | 0.08069858041674968 | 0.5363376715386815 | 0 | 0.2354267305140969 | 0.08855250419710098 1300 | Immobilier commercial | 0.05857874210723614 | 0.03303673134665548 | 0.065137541616189 | 0.03584717459696692 | 0.1791156557888722 | 0.012480480301518927 | 0.24151519708090638 | 0 | 0.00945435350092553 | 0.0906669720728714 1400 | Télécommunications | 0.04106563663929966 | 0 | 0.0010848254196838274 | 0.0061234523251610384 | 0.015857991999325215 | 0.00034724885493907795 | - | 0.019773000392924057 | 0.09070199144706324 | 0.016920854944591886 1500 | Services financiers | 0.007952583572750381 | 0.008672535780582644 | 0.012810960654121979 | 0.06836067731254823 | 0.09134534751213329 | 0.18012553010279148 | - | 0.13647217180397464 | 0.19092000920123195 | 0.07533164993051816 1510 | Services professionnels | 0.08026318138264162 | 0.018026535740581745 | 0.00533948800502216 | 0.026239932453822192 | 0.0073746849974808595 | 0.022971653226556275 | 0 | 0 | 0.0228887951618122 | 0.02439055132302735 1520 | Services médicaux | 0.00027166393035570806 | 0.000912550556015053 | 3.4326876722436855e-07 | 0.002073379191694764 | 0.0019406246359405562 | 0.008850404171998762 | 0 | 0 | 0.00036419107346049624 | 0.001939068033612344 1530 | Services d'agence ou de représentation | 0.0001577309067810341 | 0 | 0.001196980937461511 | 0.004507101800191647 | 0.0013445197507095487 | 2.1980485178512773e-05 | 0 | 0 | 0 | 0.0018539419070021342 1540 | Services d'enseignement | 0.0023795224118840727 | 0 | 0.0009129301518085528 | 0.0035261030155055027 | 0.00042549546093702267 | 0.003892499576566824 | 7.179601414885636e-05 | 0 | 0.0017160239103423541 | 0.001927526413216024 1550 | Autres services | 0.05123357372095793 | 0.012763992923000652 | 0.0015611259380333966 | 0.06536719466403326 | 0.008679097009121513 | 0.07326099338039105 | - | 0.038980033240902254 | 0.004443364926762812 | 0.036048517752202754 1560 | Crédit à la consommation | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169352 | 0.09075799630055018 | 0.0673586961996528 | 0.03605001288344499 | 0.11939299581380024 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0 | 0.03104694506016229 | 0.06936353164793861 | 0.04109535686947494 | 0.05074186574268021 | 0.02736576753796238 | - | 0 | 0 | 0.0339179822317367 Produits pétroliers | 0.016552088217715862 | 0 | 0 | 0.00018743509685266395 | 0.00038203223503546416 | 0.006298460228465313 | - | 0 | 0 | 0.0028830664786945823 Produits pharmaceutiques | 0 | 0.0003820763031212257 | 4.668455234251413e-08 | 0.006588090381511874 | 0.004521172360693755 | 0.0032547154004528857 | - | 0 | 0 | 0.0036228454221042036 Produits alimentaires | 0.028243781944288508 | 0.014387327575208445 | 0.017274907341461664 | 0.07465728268483822 | 0.03770552368697002 | 0.04153344825866079 | - | 0 | 0.00519834529815002 | 0.04232212563446872 Matériaux de construction | 0 | 0 | 0.0027343773921542215 | 0.007970581019744932 | 0.017460634804017723 | 0.019619719030842843 | - | 0 | 0.0016295066087819153 | 0.009415018624595295 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.030506835152278606 | 0.05322905296355738 | 0.002619525154941223 | 0.0346348484344538 | 0.019853445000615103 | 0.001060113521360309 | - | 0 | 0 | 0.021872441359068323 S-Total | 0.07530270531428297 | 0.09904540190204933 | 0.09199238822104808 | 0.16513359448687642 | 0.1306646738300123 | 0.0991322239777445 | - | 0 | 0.006827851906931935 | 0.11403347975066783 (2) Commerce de détail Produits pétroliers | 0.0026251417212685155 | 0.005738155989543879 | 0.0002504077003148324 | 0.005147308541073159 | 0.004262863201907652 | 0.0018698922276150008 | - | 0 | 0 | 0.0034738525349316965 Produits pharmaceutiques | 0 | 0 | 0.00016293183382551208 | 0.00037177529558639734 | 4.894168604419027e-05 | 0.003253082782093501 | - | 0 | 0.00018764901216824926 | 0.0003812351468308157 Véhicules automobiles | 0.0018405840940329823 | 0 | 0.0025591373134111126 | 0.03403639557745052 | 0.06942087484313013 | 0.016888529917632573 | - | 0.05354650662138121 | 0 | 0.03438300906288702 Produits alimentaires | 0 | 0 | 0.028270086062972242 | 0.030683673640323764 | 0.023794656206154518 | 0.03471073613479313 | - | 0 | 0.001239301887217098 | 0.020531935036041876 Librairie ,papeterie | 0.00014631809534418748 | 0 | 0 | 0.001983065196402773 | 0.001018020413496388 | 0.0018372398604273117 | - | 0 | 0.0003004722500139568 | 0.0010790795493867838 Appareils électro- ménagers électroni.équip. inform. | 0.0014747888556725136 | 0 | 0.02127174212881284 | 0.011995110259565778 | 0.008841001725886833 | 0.03777878883615639 | - | 0 | 0 | 0.010325025700806532 Matériaux de construction | 0 | 0.0009490857788567229 | 0 | 0.011911279557380394 | 0.011219007543872787 | 0 | - | 0 | 0 | 0.0070615770369042334 Autres | 0.0044855275308714115 | 0.2552923814937491 | 0.0007776026191681555 | 0.020369186644416726 | 0.034912605826331544 | 0.008033026534291336 | - | 0.1518427822964263 | 0.000921000058165348 | 0.026075069552953817 S-Total | 0.010572360297189609 | 0.2619796232621497 | 0.053291907658504695 | 0.11649779471219951 | 0.15351797144682405 | 0.10437129629300923 | - | 0.20538928891780753 | 0.002648423207564652 | 0.10331078362074278 [Secteur d'activité sept 15 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 880359 | 495856.72 | 529047.1799999999 | 6409941.220000001 | 6596654.18 | 1121838.2 | 5655.42 | 333537.23 | 32420 | 16405309.15 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1817553 | 55454.66 | 98978.56999999999 | 5159720.08 | 2881729.4000000004 | 2262043.39 | 329336.43 | 284921.58 | 760895 | 13650632.110000001 Industries Manufacturières ( 200 à 290 ) | 1151909 | 9650.289999999999 | 374657.80000000005 | 3798721.06 | 4717122.779999999 | 971123.09 | 40840.1 | 842011.7100000001 | 305469 | 12211504.83 Prêts aux Particuliers ( 1560 ) | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1823226 | 304607.08 | 803573.2 | 1114616.71 | 5280406.3100000005 | 513660.49 | 2845062.7199999997 | 0 | 837807 | 13522959.510000002 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 535988 | 133732.47 | 71547.20000000001 | 204715.87 | 1094530.48 | 32855 | 0 | 32111.06 | 310317 | 2415797.08 Bâtiments et Travaux Publics ( 600 ) | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96 Électricité, Gaz et Eau ( 300 à 500 ) | 356730 | 9430.46 | 391312.75000000006 | 1307265.82 | 400697.16000000003 | 97338.28000000001 | 0 | 126617.72 | 0 | 2689392.1900000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001 Total | 10251637 | 1373469.1099999999 | 3641461.4999999995 | 22760038.390000004 | 23212727.06 | 5512617.17 | 3657584.6599999997 | 1623927.04 | 3421281 | 75454742.92999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0858749680660757 | 0.361025025164199 | 0.14528429862570288 | 0.28163138875970933 | 0.28418264527683634 | 0.20350373795320162 | 0.0015462171147666616 | 0.20538929507571965 | 0.00947598282631564 | 0.2174191908018207 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17729392876474265 | 0.040375615000180096 | 0.0271810013644247 | 0.22670085136003143 | 0.12414437099748506 | 0.41033928535980674 | 0.09004205250576483 | 0.1754522050448769 | 0.2224006154419938 | 0.18091151834767774 Industries Manufacturières ( 200 à 290 ) | 0.11236342059321842 | 0.00702621553680228 | 0.10288665690959525 | 0.16690310424384128 | 0.2032127792571391 | 0.17616370955068517 | 0.011165865946080385 | 0.518503411335524 | 0.08928497834583012 | 0.1618387970830239 Prêts aux Particuliers ( 1560 ) | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169355 | 0.09075799630055016 | 0.06735869619965282 | 0.03605001288344498 | 0.11939299581380025 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17784730380133437 | 0.22177934529594193 | 0.2206732653908328 | 0.04897253207137493 | 0.22747892982807513 | 0.09317906071826859 | 0.7778528686195879 | 0 | 0.24488108401502245 | 0.1792194762699724 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.052283162191560234 | 0.09736838566394844 | 0.01964793531388428 | 0.008994530962212493 | 0.04715217118483622 | 0.005959964021952934 | 0 | 0.019773708552817744 | 0.09070199144706324 | 0.03201650401540902 Bâtiments et Travaux Publics ( 600 ) | 0.05351174646546693 | 0.127827854825217 | 0.1470756947450907 | 0.11847883882238036 | 0.0253890095927402 | 0.0571468669572061 | 0 | 0 | 0.16806833463840007 | 0.07203907599344332 Électricité, Gaz et Eau ( 300 à 500 ) | 0.034797369434754664 | 0.006866160972488125 | 0.10746035623334206 | 0.0574368899383917 | 0.01726195974149364 | 0.017657362555433903 | 0 | 0.07797007924691 | 0 | 0.035642453814930794 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.6724054339171238e-06 | 0.00012386754150813184 | 0.00381943792174154 | 0 | 0 | 0 | 0 | 0.001212447176248037 Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité juin 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83 200 | Industrie alimentaire | 505062 | 6306.91 | 50390.73 | 283914.84 | 1131463.34 | 173287.39 | 39105.43 | 331324.17 | 159274 | 2680128.81 210 | Industrie des boissons | 4018 | 0 | 33733.24 | 624269.44 | 2239352.61 | 110234.18 | 0 | 327162.18 | 81344 | 3420113.6500000004 220 | Industrie du bois | 16775 | 338.31 | 0 | 1321.51 | 0 | 0 | 0 | 0 | 0 | 18434.82 230 | Industrie chimique | 0 | 33.85 | 24000 | 335672.67 | 95243.54 | 86306.82 | 0 | 244003.08 | 0 | 785259.9599999998 240 | Industrie du textile | 273965 | 0 | 81819.89 | 701075.74 | 261922.46 | 155960.09 | 0 | 0 | 9162 | 1483905.18 250 | Industrie pharmacie | 0 | 0 | 18649.25 | 367.14 | 7131.69 | 17902.29 | 0 | 0 | 0 | 44050.369999999995 260 | Imprimerie, édition | 139450 | 0 | 5521.3 | 151462.56 | 128933.01 | 53117.93 | 0 | 0 | 4501 | 482985.8 270 | Sidérurgie, aciérie | 406290 | 0 | 48140.6 | 459474.86 | 343513.14 | 217091.44 | 0 | 77738.9 | 48452 | 1600700.94 280 | Industrie de la fabrication | 66297 | 1892 | 136638.93 | 995032.06 | 593335.81 | 98813.54 | 0 | 127742.55 | 3531 | 2023282.8900000001 290 | Autres industries | 0 | 0 | 0 | 124890.94 | 119423.14 | 50928.25 | 0 | 0 | 4158 | 299400.33 300 | Production et distribution de l'électricité | 618860 | 0 | 401566.4 | 1041002.6 | 595 | 944.63 | 0 | 157526.1 | 0 | 2220494.73 400 | Production et distribution de gaz | 0 | 0 | 3315.22 | 9270.91 | 776725.59 | 99056.77 | 0 | 0 | 0 | 888368.49 500 | Traitement et distribution de l'eau | 0 | 11584.96 | 8410.4 | 250092.73 | 36546.2 | 5399.96 | 0 | 0 | 0 | 312034.25000000006 600 | Entrep/ batiment et corps/ métiers corresp. | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08 700 | Commerce de gros(1) | 1117704 | 133431.06 | 550747.29 | 3899693.21 | 3227625.4 | 594603.64 | 7206.9 | 7806.74 | 41170 | 9579988.240000002 800 | Commerce de détail(2) | 134319 | 388895.08 | 177489.11 | 3556164.74 | 3943767.52 | 628985.18 | 5771.59 | 467668.16 | 7982 | 9311042.379999999 900 | Rest/débits/boissons, casinos/activités/loterie | 81243 | 0 | 6704.88 | 7519.99 | 11421.66 | 19462.23 | 0 | 0 | 6986 | 133337.76 1000 | Hotels,motels et pensions | 170793 | 0 | 9324.79 | 1104221.18 | 254069.57 | 649680.27 | 326541.52 | 0 | 0 | 2514630.33 1100 | Transport | 113869 | 137234.9 | 51999.97 | 281598.02 | 619451.06 | 38321.74 | 0 | 0 | 0 | 1242474.6900000002 1200 | Immobilier résidentiel / Avance Hypothécaire | 1186795 | 261272.79 | 461060.56 | 141541.59 | 1178901.47 | 440630.64 | 1944576.23 | 0 | 805116 | 6419894.28 1300 | Immobilier commercial | 600978 | 43477.1 | 70487.46 | 747726.72 | 4213379.84 | 72260.04 | 790765.18 | 0 | 35339 | 6574413.339999999 1400 | Télécommunications | 466413 | 0 | 4372.71 | 116652.63 | 458693.64 | 2532.3 | 0 | 0 | 409653 | 1458317.28 1500 | Services financiers | 67693 | 46960.86 | 50164.24 | 1650902.94 | 1978318.2 | 997723.75 | 0 | 141074.61 | 693999 | 5626836.600000001 1510 | Services professionnels | 850875 | 24727.13 | 53531.35 | 107068.49 | 206375.74 | 127075.65 | 0 | 4.2 | 24253 | 1393910.5599999998 1520 | Services médicaux | 48635 | 1346.35 | 300.81 | 11686.07 | 42371.76 | 53253.44 | 0 | 0 | 1400 | 158993.43 1530 | Services d'agence ou de représentation | 1123 | 0 | 4415.57 | 128017.05 | 34318.42 | 150.52 | 0 | 0 | 573 | 168597.55999999997 1540 | Services d'enseignement | 27979 | 0 | 15613.09 | 156004.46 | 10610.58 | 22449.7 | 225.76 | 0 | 7760 | 240642.59 1550 | Autres services | 346660 | 20795.77 | 5871.66 | 696289.92 | 189743.15 | 426727.29 | 0 | 82259.37 | 15774 | 1784121.1600000001 1560 | Crédit à la consommation | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6 Total | 10124864 | 1479837.6900000002 | 3526871.1799999997 | 23481762.930000003 | 24494488.28 | 5688109.300000002 | 3595462.57 | 1971123.9799999995 | 3556803 | 77919322.92999999 (1) Commerce de gros Import-export | 862 | 39575.82 | 53775.63 | 990037.91 | 1241038.36 | 169677 | 0 | 0 | 0 | 2494966.72 Produits pétroliers | 408735 | 0 | 0 | 3298.36 | 0 | 22503 | 0 | 0 | 0 | 434536.36 Produits pharmaceutiques | 0 | 1304.26 | 584.27 | 154657.11 | 99073.43 | 17973 | 0 | 0 | 0 | 273592.06999999995 Produits alimentaires | 397729 | 20067.97 | 213918.04 | 1711533.74 | 789168.98 | 235536 | 0 | 7806.74 | 23874 | 3399634.47 Matériaux de construction | 0 | 0 | 0 | 235641.41 | 550069.98 | 143326 | 0 | 0 | 17296 | 946333.39 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 310377 | 72483.01 | 282469.35 | 804524.69 | 548274.66 | 5588 | 0 | 0 | 0 | 2023716.71 S-Total | 1117703 | 133431.06 | 550747.29 | 3899693.22 | 3227625.41 | 594603 | - | 7806.74 | 41170 | 9572779.719999999 (2) Commerce de détail Produits pétroliers | 27375 | 8108.34 | 927.47 | 125341.58 | 76531.82 | 36921 | 0 | 0 | 0 | 275205.21 Produits pharmaceutiques | 0 | 0 | 0 | 8719.42 | 2580.83 | 22665 | 0 | 0 | 325 | 34290.25 Véhicules automobiles | 18131 | 0 | 47848.13 | 1064241.7 | 1871480.74 | 101367 | 0 | 213874.43 | 0 | 3316943.0000000005 Produits alimentaires | 1464 | 0 | 69160.45 | 911551.46 | 619683.9 | 190172 | 0 | 0 | 4612 | 1796643.81 Librairie ,papeterie | 1636 | 0 | 0 | 45594.87 | 25038.92 | 12127 | 0 | 0 | 1151 | 85547.79000000001 Appareils électro- ménagers électroni.équip. inform. | 14653 | 0 | 6652.26 | 283776.17 | 196673.09 | 215442 | 0 | 0 | 0 | 717196.52 Matériaux de construction | 0 | 0 | 0 | 265926.63 | 240343.9 | 691 | 0 | 0 | 0 | 506961.53 Autres | 71058 | 380786.74 | 52900.79 | 851012.9 | 911434.32 | 49600 | 0 | 253793.73 | 1894 | 2572480.48 S-Total | 134317 | 388895.08 | 177489.09999999998 | 3556164.73 | 3943767.5199999996 | 628985 | - | 467668.16000000003 | 7982 | 9305268.59 [Secteur d'activité juin 15 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 4.2574742066012326e-05 | 0.003683444984383238 | 0 | 0 | 0 | 0 | 0.0011707472109575737 200 | Industrie alimentaire | 0.04988333670457203 | 0.0042618930728815264 | 0.014287658218353188 | 0.012090865615429327 | 0.04619256900026164 | 0.030464848838259836 | 0.010876327937965434 | 0.16808895501337265 | 0.044780101681200786 | 0.03439620249790587 210 | Industrie des boissons | 0.0003968448366318797 | 0 | 0.00956463626777545 | 0.02658528841556616 | 0.09142271454711116 | 0.019379757699100466 | 0 | 0.1659774744356771 | 0.02286997621178345 | 0.043893010377830305 220 | Industrie du bois | 0.0016568123779242862 | 0.0002286129095684811 | 0 | 5.6278142486127205e-05 | 0 | 0 | 0 | 0 | 0 | 0.00023658855476145756 230 | Industrie chimique | 0 | 2.2874130202752166e-05 | 0.0068048983858832075 | 0.014295037003850713 | 0.0038883661871706586 | 0.015173199994592225 | 0 | 0.12378880398989416 | 0 | 0.010077859130083177 240 | Industrie du textile | 0.027058635059196843 | 0 | 0.02319900155808923 | 0.029856179967830035 | 0.010693118264236707 | 0.02741861693832078 | 0 | 0 | 0.002575908758511506 | 0.019044123128907173 250 | Industrie pharmacie | 0 | 0 | 0.005287760467622183 | 1.563511228243202e-05 | 0.0002911548883355566 | 0.0031473182134527542 | 0 | 0 | 0 | 0.0005653330694309717 260 | Imprimerie, édition | 0.013773024506798313 | 0 | 0.0015654952274157064 | 0.006450220984323683 | 0.005263756014257098 | 0.009338415842325672 | 0 | 0 | 0.0012654622704715442 | 0.006198536920474753 270 | Sidérurgie, aciérie | 0.04012794640994684 | 0 | 0.01364966213481038 | 0.019567306823159377 | 0.014024099465694165 | 0.03816583482318104 | 0 | 0.03943886878186121 | 0.013622345685156023 | 0.020543055044741777 280 | Industrie de la fabrication | 0.006547939804426015 | 0.001278518592130195 | 0.03874225142524202 | 0.042374674464018186 | 0.02422323762054114 | 0.01737194817968775 | 0 | 0.06480695851511077 | 0.0009927454514630132 | 0.025966381815427826 290 | Autres industries | 0 | 0 | 0 | 0.005318635588490714 | 0.004875510712240933 | 0.008953458401370731 | 0 | 0 | 0.0011690273540592494 | 0.0038424400872806718 300 | Production et distribution de l'électricité | 0.06112279631607891 | 0 | 0.11385910613270543 | 0.04433238692951917 | 2.4291179027643684e-05 | 0.00016607100007730156 | 0 | 0.0799168908695434 | 0 | 0.02849735657989245 400 | Production et distribution de gaz | 0 | 0 | 0.0009399889677853218 | 0.00039481320153162785 | 0.031710219095869185 | 0.017414709312987352 | 0 | 0 | 0 | 0.01140113205036547 500 | Traitement et distribution de l'eau | 0 | 0.007828534222560583 | 0.002384663224359672 | 0.010650509109794508 | 0.001492017289042137 | 0.0009493418138079728 | 0 | 0 | 0 | 0.004004581126562416 600 | Entrep/ batiment et corps/ métiers corresp. | 0.028828634142641325 | 0.11698416060750554 | 0.12308103637627049 | 0.13563038514161507 | 0.02667828258055775 | 0.053462601360350075 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381 700 | Commerce de gros(1) | 0.11039200131478309 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327233586033 | 0.13176945617742866 | 0.10453449619893905 | 0.0020044430611330212 | 0.003960552496550725 | 0.011575001483073423 | 0.12294752931318885 800 | Commerce de détail(2) | 0.013266252267684782 | 0.2627957664735516 | 0.05032480658961862 | 0.15144368634506097 | 0.1610063241541619 | 0.11057895459217 | 0.0016052426878692275 | 0.23725963701177238 | 0.002244150153944427 | 0.11949593540956092 900 | Rest/débits/boissons, casinos/activités/loterie | 0.008024107780608214 | 0 | 0.0019010844620641915 | 0.00032024810157641766 | 0.000466295105635087 | 0.003421563998427385 | 0 | 0 | 0.0019641233995810283 | 0.0017112284217328994 1000 | Hotels,motels et pensions | 0.016868671026099707 | 0 | 0.002643927017487495 | 0.04702462857204222 | 0.01037252001738899 | 0.11421726196435779 | 0.09082044761767609 | 0 | 0 | 0.03227223024331277 1100 | Transport | 0.011246472051377679 | 0.09273645409044824 | 0.014743937996623966 | 0.011992200962059538 | 0.0252894060459221 | 0.0067371666012114055 | 0 | 0 | 0 | 0.01594565562532154 1200 | Immobilier résidentiel | 0.11721589544313879 | 0.17655503151835522 | 0.13072792752243365 | 0.006027724171389545 | 0.04812925489701228 | 0.07746522029736663 | 0.5408417393147831 | 0 | 0.22635945819883754 | 0.08239155627375523 1300 | Immobilier commercial | 0.05935664913622544 | 0.02937964095238039 | 0.019985833449125297 | 0.031842869814715395 | 0.17201338488219275 | 0.012703701034718157 | 0.21993419889780694 | 0 | 0.00993560790406441 | 0.08437462098979252 1400 | Télécommunications | 0.046066100245889724 | 0 | 0.0012398269675389733 | 0.004967796938745433 | 0.018726402232069818 | 0.00044519186718159574 | 0 | 0 | 0.1151744979972183 | 0.018715733468450457 1500 | Services financiers | 0.006685818199632113 | 0.03173379102136532 | 0.014223439825210741 | 0.07030574939885911 | 0.08076585137789209 | 0.17540516494646116 | 0 | 0.07157064265434994 | 0.19511876255165103 | 0.07221362286547273 1510 | Services professionnels | 0.08403816584598074 | 0.016709352766924052 | 0.015178141550381209 | 0.00455964444914869 | 0.0084253950374831 | 0.022340578089805687 | 0 | 2.13076399182156e-06 | 0.006818763929292682 | 0.01788915133736776 1520 | Services médicaux | 0.004803521311496134 | 0.000909795722259243 | 8.529089514406364e-05 | 0.0004976657857775245 | 0.001729848752733364 | 0.009362239224200559 | 0 | 0 | 0.00039361190372365297 | 0.0020404878279401137 1530 | Services d'agence ou de représentation | 0.00011091507006908933 | 0 | 0.0012519793819064297 | 0.005451764860314088 | 0.001401067032211542 | 2.6462220056144132e-05 | 0 | 0 | 0.0001610997291668951 | 0.0021637451874609095 1540 | Services d'enseignement | 0.0027633951428878453 | 0 | 0.004426895455818719 | 0.006643643429373468 | 0.0004331823501968664 | 0.003946777183061513 | 6.279025177002468e-05 | 0 | 0.0021817345520682477 | 0.0030883557627443057 1550 | Autres services | 0.034238484586064565 | 0.014052737094430943 | 0.0016648354023522914 | 0.029652369887033857 | 0.007746361051964789 | 0.07502093709767495 | 0 | 0.041732215139506354 | 0.004434881549526358 | 0.02289703109462068 1560 | Crédit à la consommation | 0.25552758041984563 | 0.15435682679497098 | 0.23207844240004255 | 0.11553594370608015 | 0.06726246905697758 | 0.042388162266853754 | 0.13385481023099624 | 0.003456870328369706 | 0.16612502857200695 | 0.11954325640596272 Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 0.9999999999999996 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 8.513694603700356e-05 | 0.02674335183340275 | 0.01524740407445219 | 0.0421619923917697 | 0.05066602518140052 | 0.02983012299007685 | 0 | 0 | 0 | 0.032019871659323726 Produits pétroliers | 0.040369431135075 | 0 | 0 | 0.00014046475172381785 | 0 | 0.00395614760778243 | 0 | 0 | 0 | 0.005576747123308199 Produits pharmaceutiques | 0 | 0.0008813534138328372 | 0.00016566241582999922 | 0.006586264858436673 | 0.00404472340338273 | 0.003159749409175382 | 0 | 0 | 0 | 0.0035112223735027258 Produits alimentaires | 0.039282404188342675 | 0.013560926401327162 | 0.06065377187947081 | 0.07288778722032689 | 0.0322182268508285 | 0.04140848699936197 | 0 | 0.003960552496550725 | 0.006712207563927494 | 0.043630184942111384 Matériaux de construction | 0 | 0 | 0 | 0.010035081722886637 | 0.022456888003214083 | 0.02519747642683307 | 0 | 0 | 0.004862793919145929 | 0.012145041235152325 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.030654930278569668 | 0.04898037838190213 | 0.08009063432818661 | 0.034261681816579 | 0.022383593146857936 | 0.0009824002502905487 | 0 | 0 | 0 | 0.02597194936893942 S-Total | 0.11039190254802433 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327276172273 | 0.1317694565856838 | 0.10453438368352025 | - | 0.003960552496550725 | 0.011575001483073423 | 0.12285501670233777 (2) Commerce de détail Produits pétroliers | 0.0027037400206066965 | 0.00547920900703644 | 0.0002629724627481291 | 0.005337826651842447 | 0.0031244506570275656 | 0.006490909026660227 | - | 0 | 0 | 0.0035319250687949996 Produits pharmaceutiques | 0 | 0 | 0 | 0.0003713273158405061 | 0.00010536370347884645 | 0.003984628073163079 | - | 0 | 9.1374191935848e-05 | 0.00044007376746336936 Véhicules automobiles | 0.0017907401027806398 | 0 | 0.01356673594185541 | 0.04532205282765794 | 0.07640415748256651 | 0.017820860087903016 | - | 0.1085037938608002 | 0 | 0.04256894022269452 Produits alimentaires | 0.00014459453480066497 | 0 | 0.019609576440498176 | 0.03881954956778025 | 0.025298911857896546 | 0.03343325347141272 | - | 0 | 0.0012966700714096338 | 0.02305774411841389 Librairie ,papeterie | 0.00016158241730456825 | 0 | 0 | 0.0019417140925883623 | 0.0010222267031577276 | 0.002131991380686021 | - | 0 | 0.00032360521513280326 | 0.0010979021221328266 Appareils électro- ménagers électroni.équip. inform. | 0.0014472293158703168 | 0 | 0.0018861647223531426 | 0.012084960181479865 | 0.00802927939346198 | 0.03787585446011031 | - | 0 | 0 | 0.009204347433104679 Matériaux de construction | 0 | 0 | 0 | 0.011324815380886736 | 0.009812162526222001 | 0.00012148149122239964 | - | 0 | 0 | 0.006506236334412667 Autres | 0.007018168342804407 | 0.2573165574665151 | 0.014999354186789438 | 0.03624143990112245 | 0.03720977183035072 | 0.008719944956050683 | - | 0.12875584315097222 | 0.0005325006754661419 | 0.03301466675103205 S-Total | 0.013266054734167292 | 0.2627957664735515 | 0.05032480375424429 | 0.15144368591919855 | 0.1610063241541619 | 0.11057892294720845 | - | 0.2372596370117724 | 0.002244150153944427 | 0.119421835818049 [Secteur d'activité juin 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1252023 | 522326.14 | 728236.4 | 7455857.95 | 7171392.92 | 1223588.82 | 12978.49 | 475474.89999999997 | 49152 | 18891030.619999997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1595001 | 93830.11000000002 | 145926.39 | 3861710.1000000006 | 2727229.0799999996 | 2296522.8499999996 | 326767.28 | 223338.18 | 750745 | 12021069.989999998 Industries Manufacturières ( 200 à 290 ) | 1411857 | 8571.07 | 398893.93999999994 | 3677481.76 | 4920318.739999999 | 963641.9300000002 | 39105.43 | 1107970.88 | 310422 | 12838262.749999996 Prêts aux Particuliers ( 1560 ) | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1787773 | 304749.89 | 531548.02 | 889268.3099999999 | 5392281.31 | 512890.68 | 2735341.41 | 0 | 840455 | 12994307.62 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 580282 | 137234.9 | 56372.68 | 398250.65 | 1078144.7000000002 | 40854.04 | 0 | 0 | 409653 | 2700791.97 Bâtiments et Travaux Publics ( 600 ) | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08 Électricité, Gaz et Eau ( 300 à 500 ) | 618860 | 11584.96 | 413292.02 | 1300366.24 | 813866.7899999999 | 105401.36000000002 | 0 | 157526.1 | 0 | 3420897.4699999997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83 Total | 10124864 | 1479837.6899999997 | 3526871.18 | 23481762.929999996 | 24494488.279999997 | 5688109.3 | 3595462.5700000003 | 1971123.98 | 3556803 | 77919322.92999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12365825358246788 | 0.35296177650401656 | 0.20648227928755822 | 0.3175169586809214 | 0.29277578033159063 | 0.2151134507911091 | 0.0036096857490022483 | 0.24122018950832305 | 0.01381915163701785 | 0.24244346472274972 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1575330789628384 | 0.06340567660497959 | 0.04137559399036514 | 0.16445571448412546 | 0.11134052072550583 | 0.40374098472404524 | 0.0908832378694461 | 0.1133049885578481 | 0.21107297761500987 | 0.15427585274065214 Industries Manufacturières ( 200 à 290 ) | 0.13944453969949622 | 0.005791898704782956 | 0.11310136368519134 | 0.1566101221174368 | 0.20087452669984907 | 0.16941339893029134 | 0.010876327937965433 | 0.5621010607359157 | 0.08727556741264557 | 0.16476353062684393 Prêts aux Particuliers ( 1560 ) | 0.25552758041984563 | 0.15435682679497104 | 0.23207844240004252 | 0.11553594370608018 | 0.0672624690569776 | 0.04238816226685377 | 0.1338548102309962 | 0.003456870328369705 | 0.16612502857200695 | 0.11954325640596272 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17657254457936422 | 0.20593467247073569 | 0.15071376097155892 | 0.03787059398610495 | 0.22014263977920506 | 0.09016892133208482 | 0.7607759382125899 | 0 | 0.23629506610290196 | 0.16676617726354775 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.0573125722972674 | 0.09273645409044827 | 0.015983764964162938 | 0.016959997900804977 | 0.04401580827799193 | 0.007182358468393004 | 0 | 0 | 0.1151744979972183 | 0.034661389093772 Bâtiments et Travaux Publics ( 600 ) | 0.028828634142641325 | 0.11698416060750558 | 0.12308103637627048 | 0.1356303851416151 | 0.026678282580557756 | 0.05346260136035009 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06112279631607891 | 0.007828534222560584 | 0.11718375832485041 | 0.05537770924084533 | 0.03322652756393897 | 0.018530122126872637 | 0 | 0.07991689086954339 | 0 | 0.04390306975682033 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 4.257474206601234e-05 | 0.0036834449843832382 | 0 | 0 | 0 | 0 | 0.0011707472109575737 Total | 0.9999999999999999 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 [Sheet2] [Sheet3] [Secteur d'activité mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09 200 | Industrie alimentaire | 319338 | 6316 | 19234.64 | 370588.11 | 1146703.81 | 178893.7 | 20656.68 | 235801.73 | 161652 | 2459184.67 210 | Industrie des boissons | 4006 | 0 | 8648.47 | 560531.55 | 2190603.46 | 110472.89 | 0 | 288559.71 | 84398 | 3247220.08 220 | Industrie du bois | 17934 | 413.77 | 4011.62 | 3031.37 | 0 | 0 | 0 | 0 | 0 | 25390.76 230 | Industrie chimique | 0 | 178.03 | 24000 | 377744.2 | 105220.37 | 80902.95 | 0 | 0 | 0 | 588045.5499999999 240 | Industrie du textile | 281522 | 0 | 81768.11 | 595494.26 | 261827.29 | 97941.45 | 0 | 0 | 9496 | 1328049.1099999999 250 | Industrie pharmacie | 0 | 0 | 6817.5 | 456.51 | 10411.13 | 0 | 0 | 0 | 0 | 17685.14 260 | Imprimerie, édition | 106001 | 0 | 3231.37 | 123115.34 | 87867.99 | 38879.22 | 0 | 27300.61 | 4538 | 390933.53 270 | Sidérurgie, aciérie | 430323 | 0 | 23415.37 | 510010.55 | 355329.57 | 65182.37 | 0 | 75017.95 | 45290 | 1504568.81 280 | Industrie de la fabrication | 67557 | 0 | 53819.97 | 905169.44 | 587458.34 | 50240.89 | 0 | 59372.42 | 3858 | 1727476.0599999998 290 | Autres industries | 0 | 0 | 60425.92 | 118808.2 | 112231.77 | 45284.95 | 0 | 0 | 4566 | 341316.84 300 | Production et distribution de l'électricité | 1001049 | 0 | 206773.778 | 949775.95 | 96464.65 | 913.21 | 0 | 70457.76 | 0 | 2325434.3479999998 400 | Production et distribution de gaz | 0 | 0 | 3773.37 | 9708.27 | 2110385.65 | 91183.62 | 0 | 0 | 0 | 2215050.91 500 | Traitement et distribution de l'eau | 0 | 12606.49 | 9355.36 | 281780.53 | 36766.04 | 6649.18 | 0 | 0 | 0 | 347157.6 600 | Entrep/ batiment et corps/ métiers corresp. | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999 700 | Commerce de gros(1) | 1234979 | 136224.43 | 598872.18 | 3710670.53 | 3413581.94 | 553654.92 | 2747.06 | 349280.54 | 22233 | 10022243.6 800 | Commerce de détail(2) | 111021 | 369242.69 | 101269.63 | 3402006.65 | 3897490.33 | 602831.78 | 6911.42 | 605022.84 | 8425 | 9104221.34 900 | Rest/débits/boissons, casinos/activités/loterie | 75882 | 0 | 4266.89 | 8898.28 | 14897.37 | 16677.68 | 0 | 0 | 4853 | 125475.22 1000 | Hotels,motels et pensions | 160270 | 0 | 14158.2 | 1021537.02 | 260083.15 | 583488.74 | 272075.55 | 0 | 0 | 2311612.6599999997 1100 | Transport | 78737 | 132582.28 | 31409.78 | 303154.33 | 573982.55 | 25427.17 | 0 | 0 | 0 | 1145293.1099999999 1200 | Immobilier résidentiel / Avance Hypothécaire | 1120118 | 255038.86 | 496676.14 | 182200.85 | 1080798.3 | 514921.09 | 2040336.57 | 0 | 800490 | 6490579.8100000005 1300 | Immobilier commercial | 552151 | 43193.24 | 43496.39 | 702698.91 | 4087284.2 | 31063.11 | 702910.92 | 0 | 36002 | 6198799.7700000005 1400 | Télécommunications | 478180 | 0 | 4463.88 | 114526.4 | 551347.66 | 3599.15 | 0 | 65031.99 | 392649 | 1609798.0799999998 1500 | Services financiers | 6729 | 0 | 22207.41 | 1546273.74 | 1562647.58 | 903782.73 | 0 | 616927.48 | 816716 | 5475283.9399999995 1510 | Services professionnels | 1088964 | 24147.3 | 71650.52 | 95014.5 | 202041.89 | 139031.79 | 0 | 0 | 23280 | 1644130 1520 | Services médicaux | 78638 | 1321.01 | 1.58 | 8920.73 | 39845.17 | 47813.55 | 0 | 0 | 811 | 177351.03999999998 1530 | Services d'agence ou de représentation | 2725 | 0 | 4410.14 | 121612.09 | 39369.74 | 70671.91 | 0 | 0 | 652 | 239440.88 1540 | Services d'enseignement | 23799 | 0 | 6080.59 | 150559.75 | 9509.3 | 20023.85 | 0 | 0 | 6970 | 216942.49 1550 | Autres services | 331011 | 17853.78 | 6724.48 | 873745.6 | 143929.91 | 727226.08 | 0 | 63395.55 | 25851 | 2189737.3999999994 1560 | Crédit à la consommation | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001 Total | 10142663 | 1393961.4100000001 | 2738950.1579999994 | 22176934.22 | 25168847.91 | 5472342.199999999 | 3479433.83 | 2490403 | 3403598 | 76467133.72800002 (1) Commerce de gros Import-export | 1667 | 42119.51 | 11716.37 | 949820.08 | 1314248.5 | 134811 | 0 | 0 | 0 | 2454382.46 Produits pétroliers | 432843 | 0 | 822.63 | 3673.51 | 75.38 | 12216 | 0 | 0 | 0 | 449630.52 Produits pharmaceutiques | 0 | 1606.28 | 342.9 | 137933.81 | 98364.88 | 22492 | 0 | 0 | 0 | 260739.87 Produits alimentaires | 478536 | 15926.13 | 394424.64 | 1607367.93 | 793088.16 | 204605 | 0 | 50958.97 | 22233 | 3567139.8300000005 Matériaux de construction | 0 | 0 | 61973.97 | 360472.13 | 644898.19 | 173006 | 0 | 0 | 0 | 1240350.29 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 321932 | 76572.51 | 129591.66 | 651403.07 | 562906.84 | 6525 | 0 | 298321.57 | 0 | 2047252.6500000001 S-Total | 1234978 | 136224.43 | 598872.17 | 3710670.53 | 3413581.9499999997 | 553655 | - | 349280.54000000004 | 22233 | 10019495.620000001 (2) Commerce de détail Produits pétroliers | 21930 | 8210.13 | 0 | 120302 | 90715.74 | 43825 | 0 | 0 | 0 | 284982.87 Produits pharmaceutiques | 0 | 0 | 0 | 10161.83 | 2733.92 | 19189 | 0 | 0 | 238 | 32322.75 Véhicules automobiles | 1930 | 0 | 55580.92 | 1037859.85 | 1929683.47 | 111176 | 0 | 429597.28 | 0 | 3565827.5200000005 Produits alimentaires | 1270 | 0 | 6491.92 | 785989.47 | 576452.69 | 167618 | 0 | 0 | 4899 | 1542721.08 Librairie ,papeterie | 1780 | 0 | 0 | 49693.97 | 24603.78 | 10703 | 0 | 0 | 1274 | 88054.75 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 6139.54 | 277967.05 | 215046.15 | 195758 | 0 | 0 | 0 | 694910.74 Matériaux de construction | 14081 | 0 | 0 | 243734.81 | 244804.65 | 543 | 0 | 27923.56 | 0 | 531087.02 Autres | 70031 | 361032.57 | 33057.25 | 876297.68 | 813449.93 | 54019 | 0 | 147502 | 2015 | 2357404.43 S-Total | 111022 | 369242.7 | 101269.62999999999 | 3402006.66 | 3897490.3299999996 | 602831 | - | 605022.8400000001 | 8426 | 9097311.16 [Secteur d'activité mars 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 6.248158497716824e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150192 200 | Industrie alimentaire | 0.03148463081145455 | 0.004530971915499439 | 0.0070226323556195226 | 0.01671052032366988 | 0.04556044099040368 | 0.03269051778231267 | 0.0059367934581471835 | 0.09468416557480858 | 0.04749444558376165 | 0.03216002156884192 210 | Industrie des boissons | 0.00039496530644861214 | 0 | 0.0031575857540668694 | 0.025275430067988904 | 0.08703630248922267 | 0.020187496681037236 | - | 0.1158686806914383 | 0.024796700432894836 | 0.042465565553308604 220 | Industrie du bois | 0.0017681746894282102 | 0.000296830311823338 | 0.0014646560793677651 | 0.00013669021921281597 | 0 | 0 | - | 0 | 0 | 0.00033204801542996307 230 | Industrie chimique | 0 | 0.00012771515676319905 | 0.008762481467543378 | 0.017033201986022758 | 0.004180579515449104 | 0.014783971294777582 | - | 0 | 0 | 0.007690173821497313 240 | Industrie du textile | 0.02775622141837898 | 0 | 0.02985381452129368 | 0.026851964933140342 | 0.010402831744077237 | 0.017897537547999103 | - | 0 | 0.0027899887119454177 | 0.017367580622597696 250 | Industrie pharmacie | 0 | 0 | 0.0024890923918740406 | 2.0584901207322965e-05 | 0.00041365143280410084 | 0 | - | 0 | 0 | 0.0002312776631972047 260 | Imprimerie, édition | 0.010451002857927943 | 0 | 0.0011797841558239851 | 0.005551504043736123 | 0.003491140727386596 | 0.007104676312091741 | - | 0.010962326177731074 | 0.0013332949425872269 | 0.00511243865097106 270 | Sidérurgie, aciérie | 0.0424270233566865 | 0 | 0.008549031070027965 | 0.022997342416250358 | 0.014117832141963943 | 0.011911237933914296 | - | 0.030122815464003215 | 0.013306506820135632 | 0.019676019443227426 280 | Industrie de la fabrication | 0.006660676786757087 | 0 | 0.01964985373786419 | 0.0408158057836364 | 0.02334069251404205 | 0.009180875055657156 | - | 0.02384048686096186 | 0.0011335063659104277 | 0.022591092091208447 290 | Autres industries | 0 | 0 | 0.02206170850663578 | 0.005357286937021902 | 0.004459154046356189 | 0.008275240901418774 | - | 0 | 0.0013415215310386243 | 0.0044635757005629705 300 | Production et distribution de l'électricité | 0.09869686097231073 | 0 | 0.07549380823745536 | 0.04282719787045479 | 0.00383270026283853 | 0.0001668773564635633 | - | 0.028291710217181715 | 0 | 0.030410899881140624 400 | Production et distribution de gaz | 0 | 0 | 0.0013776701956326731 | 0.0004377642961687966 | 0.08384911607978325 | 0.016662631222148352 | - | 0 | 0 | 0.02896735894245914 500 | Traitement et distribution de l'eau | 0 | 0.009043643467863289 | 0.0034156736925915255 | 0.01270601820813806 | 0.0014607756434251503 | 0.001215051938820639 | - | 0 | 0 | 0.004539958320327117 600 | Entrep/ batiment et corps/ métiers corresp. | 6.901540552022679e-07 | 0.12095943172487104 | 0.019769253500961304 | 0.11388533351568014 | 0.024811443584268532 | 0.04689487437390155 | - | 0.010398300997870626 | 0.11008761904314199 | 0.05270348636755951 700 | Commerce de gros(1) | 0.12176082356280594 | 0.09772467804542737 | 0.21865026577822091 | 0.1673211677136859 | 0.13562726240813458 | 0.10117330016386769 | 0.0007895135054199321 | 0.14025061004182857 | 0.006532205037140109 | 0.13106602943494597 800 | Commerce de détail(2) | 0.010945941908944426 | 0.2648873113352542 | 0.036973885670832284 | 0.15340292829709265 | 0.15485374395907342 | 0.11015973745209137 | 0.0019863633963690007 | 0.242941740754408 | 0.0024753217036794593 | 0.11906058061996251 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007481467145265499 | 0 | 0.0015578560228769235 | 0.00040124031174584965 | 0.0005918971759561958 | 0.003047631049096309 | - | 0 | 0.00142584406266545 | 0.001640903926729173 1000 | Hotels,motels et pensions | 0.01580157006103821 | 0 | 0.005169206879740527 | 0.04606304053870256 | 0.010333534174071776 | 0.10662504621878363 | 0.07819535110975225 | 0 | 0 | 0.030230146564962132 1100 | Transport | 0.007762951406351567 | 0.09511187257328736 | 0.011467817297900609 | 0.013669803363830333 | 0.02280527706522265 | 0.0046464875679740935 | - | 0 | 0 | 0.014977586502377651 1200 | Immobilier résidentiel | 0.11043628285786485 | 0.18295977074429912 | 0.1813381446717075 | 0.008215781685264881 | 0.042941905957109026 | 0.09409519200023714 | 0.5863990148075326 | 0 | 0.23518934962354543 | 0.08488064732604644 1300 | Immobilier commercial | 0.054438464533426774 | 0.030985965386229733 | 0.015880679636668296 | 0.03168602580632086 | 0.16239456865945995 | 0.005676382957191531 | 0.20201876349520922 | 0 | 0.010577629908114883 | 0.0810648898133105 1400 | Télécommunications | 0.0471454094452315 | 0 | 0.0016297777405557305 | 0.005164212458939241 | 0.021905955408508804 | 0.0006576982704042157 | - | 0.02611303873308858 | 0.11536291888760071 | 0.021052156678530495 1500 | Services financiers | 0.0006634352339222944 | 0 | 0.008108000773630728 | 0.06972441387347002 | 0.06208657565844062 | 0.16515464438609123 | - | 0.24772194701018269 | 0.23995665763113036 | 0.07160310152955442 1510 | Services professionnels | 0.10736470293846892 | 0.017322789445082268 | 0.026159848068326923 | 0.00428438390344831 | 0.008027458814264019 | 0.02540626753933627 | 0 | 0 | 0.0068398206838762975 | 0.02150113283764902 1520 | Services médicaux | 0.007753190656142278 | 0.0009476661193942232 | 5.76863363279939e-07 | 0.0004022526247994616 | 0.0015831145764987062 | 0.0087373099584306 | - | 0 | 0.00023827725836012361 | 0.002319310680989462 1530 | Services d'agence ou de représentation | 0.0002686671143465971 | 0 | 0.001610157084136323 | 0.005483719651850056 | 0.0015642249554202975 | 0.012914380610189182 | - | 0 | 0.00019156198822540147 | 0.0031312914232108037 1540 | Services d'enseignement | 0.002346425194251253 | 0 | 0.0022200440494470662 | 0.006789024511071486 | 0.00037782023372717814 | 0.0036591004853461103 | - | 0 | 0.0020478329109371906 | 0.0028370684165001207 1550 | Autres services | 0.032635511995222556 | 0.012807944231397337 | 0.00245513047411942 | 0.03939884527465582 | 0.005718573631763823 | 0.13289119236731944 | - | 0.02545594026348346 | 0.007595197787752843 | 0.02863632116497368 1560 | Crédit à la consommation | 0.25355490959326954 | 0.1622934095428079 | 0.2825315633217157 | 0.11732403289781684 | 0.058596677339928356 | 0.03818464057309867 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.1160728527052134 Total | 1 | 0.9999999999999999 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 (1) Commerce de gros Import-export | 0.00016435525857459723 | 0.030215692986795092 | 0.00427768645799505 | 0.042829187775802496 | 0.05221726893100368 | 0.024634972571707964 | - | 0 | 0 | 0.03209722060108129 Produits pétroliers | 0.04267547881655932 | 0 | 0.0003003450054018837 | 0.0001656455289788022 | 2.994972208086262e-06 | 0.0022323165389766747 | - | 0 | 0 | 0.005880049350344075 Produits pharmaceutiques | 0 | 0.0011523131045643507 | 0.000125193953967526 | 0.006219696944206384 | 0.003908199546985145 | 0.004110123084042515 | - | 0 | 0 | 0.003409829259816034 Produits alimentaires | 0.047180508708610354 | 0.011425086724603085 | 0.1440057749309362 | 0.07247926670361923 | 0.031510705727809375 | 0.03738892644542588 | - | 0.020462138055567715 | 0.006532205037140109 | 0.04664932051315818 Matériaux de construction | 0 | 0 | 0.022626906816462053 | 0.01625437161079337 | 0.02562287285878394 | 0.03161461649821534 | - | 0 | 0 | 0.016220698089875182 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.031740382185625214 | 0.05493158522946484 | 0.04731435496242427 | 0.029372999150285614 | 0.022365220768660918 | 0.0011923596444681404 | - | 0.11978847198626086 | 0 | 0.026772974874175993 S-Total | 0.12176072496936949 | 0.09772467804542737 | 0.21865026212718697 | 0.16732116771368588 | 0.13562726280545115 | 0.10117331478283652 | - | 0.14025061004182857 | 0.006532205037140109 | 0.13103009268845076 (2) Commerce de détail Produits pétroliers | 0.002162154061512248 | 0.0058897828455667205 | 0 | 0.005424645210495647 | 0.0036042865499599265 | 0.008008453857289847 | - | 0 | 0 | 0.003726867427955491 Produits pharmaceutiques | 0 | 0 | 0 | 0.0004582161762844423 | 0.00010862316820285478 | 0.003506542408842781 | - | 0 | 6.992600183687968e-05 | 0.0004227012106269698 Véhicules automobiles | 0.000190285332362911 | 0 | 0.02029278256037546 | 0.04679906788306287 | 0.07666951927637915 | 0.020315980970634476 | - | 0.17250110925822046 | 0 | 0.04663215876096451 Produits alimentaires | 0.0001252136643009829 | 0 | 0.002370222028698925 | 0.03544175503263047 | 0.022903419817279985 | 0.03063002894811659 | - | 0 | 0.0014393591722641746 | 0.02017495628236293 Librairie ,papeterie | 0.00017549631689429097 | 0 | 0 | 0.0022407953014165548 | 0.0009775489163421148 | 0.001955835291148277 | - | 0 | 0.0003743097745385912 | 0.0011515372122252955 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0022415668945517195 | 0.012534061166548385 | 0.008544139595462318 | 0.03577225123092632 | - | 0 | 0 | 0.009087704823249367 Matériaux de construction | 0.0013882941787575905 | 0 | 0 | 0.010990464578291021 | 0.009726494072171459 | 0 | - | 0.011212466416078041 | 0 | 0.006945297856842927 Autres | 0.00690459694855286 | 0.25899753566348727 | 0.01206931418720618 | 0.0395139233992822 | 0.03231971256327561 | 0.009871275959314096 | - | 0.05922816508010952 | 0.0005920205617702208 | 0.03082898907111498 S-Total | 0.010946040502380884 | 0.264887318509054 | 0.036973885670832284 | 0.1534029287480116 | 0.15485374395907342 | 0.11006036866627238 | - | 0.24294174075440803 | 0.0024756155104098663 | 0.11897021264534248 [Secteur d'activité mars 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1346000 | 505467.12 | 700141.81 | 7112677.18 | 7311072.27 | 1156486.7000000002 | 9658.48 | 954303.3799999999 | 30658 | 19126464.939999998 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1768018 | 43322.09 | 129499.81 | 3826561.71 | 2272324.1100000003 | 2508716.33 | 272075.55 | 680323.03 | 879133 | 12379973.63 Industries Manufacturières ( 200 à 290 ) | 1226681 | 6907.8 | 285372.97 | 3564949.5300000003 | 4857653.7299999995 | 667798.42 | 20656.68 | 686052.42 | 313798 | 11629870.55 Prêts aux Particuliers ( 1560 ) | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1672269 | 298232.1 | 540172.53 | 884899.76 | 5168082.5 | 545984.2000000001 | 2743247.49 | 0 | 836492 | 12689379.58 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 556917 | 132582.28 | 35873.659999999996 | 417680.73 | 1125330.21 | 29026.32 | 0 | 65031.99 | 392649 | 2755091.19 Bâtiments et Travaux Publics ( 600 ) | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999 Électricité, Gaz et Eau ( 300 à 500 ) | 1001049 | 12606.49 | 219902.50799999997 | 1241264.75 | 2243616.34 | 98746.01000000001 | 0 | 70457.76 | 0 | 4887642.857999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09 Total | 10142663 | 1393961.41 | 2738950.1580000003 | 22176934.220000003 | 25168847.91 | 5472342.2 | 3479433.83 | 2490403 | 3403598 | 76467133.728 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.13270676547175037 | 0.3626119893806817 | 0.25562415144905315 | 0.3207240960107785 | 0.290481006367208 | 0.21133303761595906 | 0.0027758769017889326 | 0.38319235079623654 | 0.009007526740819567 | 0.2501266100549085 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17431497033865762 | 0.03107839979587383 | 0.04728082021564117 | 0.17254692068974353 | 0.09028319922014262 | 0.4584355726145927 | 0.07819535110975225 | 0.27317788727366615 | 0.2582951923229477 | 0.16189927654456887 Industries Manufacturières ( 200 à 290 ) | 0.12094269522708188 | 0.004955517384085977 | 0.10419064004011713 | 0.1607503316118868 | 0.19300262560170556 | 0.12203155350920855 | 0.0059367934581471835 | 0.27547847476894305 | 0.09219596438827382 | 0.15208979313084264 Prêts aux Particuliers ( 1560 ) | 0.25355490959326954 | 0.16229340954280794 | 0.2825315633217156 | 0.11732403289781682 | 0.058596677339928356 | 0.038184640573098665 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.11607285270521342 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.16487474739129163 | 0.2139457361305289 | 0.19721882430837573 | 0.03990180749158573 | 0.20533647461656898 | 0.09977157495742865 | 0.788417778302742 | 0 | 0.24576697953166032 | 0.16594553713935697 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05490836085158306 | 0.09511187257328738 | 0.013097595038456334 | 0.01883401582276957 | 0.04471123247373145 | 0.005304185838378309 | 0 | 0.02611303873308858 | 0.11536291888760071 | 0.03602974318090815 Bâtiments et Travaux Publics ( 600 ) | 6.901540552022679e-07 | 0.12095943172487107 | 0.019769253500961297 | 0.11388533351568013 | 0.024811443584268532 | 0.04689487437390154 | 0 | 0.010398300997870626 | 0.11008761904314199 | 0.052703486367559525 Électricité, Gaz et Eau ( 300 à 500 ) | 0.09869686097231073 | 0.009043643467863289 | 0.08028715212567952 | 0.05597098037476164 | 0.08914259198604692 | 0.018044560517432556 | 0 | 0.028291710217181715 | 0 | 0.06391821714392688 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 6.248158497716823e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150194 Total | 1 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 [Secteur d'activité déc. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74 200 | Industrie alimentaire | 361302 | 6805.65 | 3434.57 | 348108.23 | 1240812.27 | 215906.73 | 19524.08 | 424133.56 | 154234 | 2774261.0900000003 210 | Industrie des boissons | 3959 | 0 | 8723.47 | 585966.51 | 2123451.62 | 110009.96 | 0 | 399721.34 | 67479 | 3299310.9 220 | Industrie du bois | 6185 | 462.93 | 4893.82 | 3267.9 | 0 | 0 | 0 | 0 | 0 | 14809.65 230 | Industrie chimique | 0 | 319.05 | 0 | 412519.63 | 94192.48 | 82027.17 | 0 | 0 | 0 | 589058.33 240 | Industrie du textile | 288169 | 0 | 56580.33 | 606136.54 | 261276.66 | 103722.21 | 0 | 0 | 8208 | 1324092.74 250 | Industrie pharmacie | 0 | 0 | 18951.48 | 6217.83 | 15185.97 | 0 | 0 | 0 | 0 | 40355.28 260 | Imprimerie, édition | 73656 | 0 | 3256.77 | 89512.64 | 46580.78 | 39351.98 | 0 | 0 | 758 | 253116.17 270 | Sidérurgie, aciérie | 430734 | 0 | 21595.87 | 549247.35 | 380444.33 | 64975 | 0 | 141465.05 | 49937 | 1638398.6 280 | Industrie de la fabrication | 69091 | 0 | 41650.38 | 912042.77 | 539768.09 | 67149.47 | 0 | 0 | 10062 | 1639763.71 290 | Autres industries | 0 | 0 | 84348.03 | 117121.55 | 110518.65 | 45046.75 | 0 | 2407.55 | 4253 | 363695.52999999997 300 | Production et distribution de l'électricité | 1396964 | 0 | 279025.85 | 923195.54 | 95723.14 | 1477.81 | 0 | 70606.48 | 0 | 2766992.8200000003 400 | Production et distribution de gaz | 0 | 0 | 4222.21 | 10376.78 | 2332312.9 | 91429.23 | 0 | 0 | 0 | 2438341.12 500 | Traitement et distribution de l'eau | 0 | 15859.26 | 9527.96 | 273579.09 | 55755.55 | 6596.89 | 0 | 0 | 0 | 361318.75000000006 600 | Entrep/ batiment et corps/ métiers corresp. | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34 700 | Commerce de gros(1) | 1167311 | 137136.91 | 538243.57 | 3957202.88 | 3567388.11 | 419866.63 | 6919.18 | 256414.7 | 27136 | 10077618.979999999 800 | Commerce de détail(2) | 102587 | 413710.91 | 55162.94 | 3523047.76 | 3927742.48 | 678381.51 | 6281.62 | 405054.5 | 9830 | 9121798.719999999 900 | Rest/débits/boissons, casinos/activités/loterie | 75582 | 311.79 | 4821.08 | 9221.69 | 16121.79 | 14801.33 | 0 | 0 | 2536 | 123395.68000000001 1000 | Hotels,motels et pensions | 161911 | 0 | 15018.09 | 1013229.95 | 263461.96 | 571185.9 | 22446.78 | 0 | 0 | 2047253.68 1100 | Transport | 83039 | 56150.11 | 39362.89 | 264862.11 | 466496.06 | 23437.93 | 0 | 0 | 0 | 933348.1 1200 | Immobilier résidentiel / Avance Hypothécaire | 1087188 | 233824.75 | 151906.04 | 170596.38 | 1024905.96 | 622328.97 | 1954469.31 | 0 | 805756 | 6050975.41 1300 | Immobilier commercial | 549526 | 44395.6 | 85851.47 | 677665.91 | 4142670.34 | 12872.05 | 1007189.17 | 0 | 28081 | 6548251.54 1400 | Télécommunications | 517683 | 0 | 65446.01 | 119442.08 | 613515.33 | 3893.62 | 0 | 24794.49 | 437332 | 1782106.53 1500 | Services financiers | 8062 | 0 | 49861.79 | 1643431.38 | 1208743.25 | 867963.93 | 0 | 13187.6 | 944078 | 4735327.95 1510 | Services professionnels | 1089598 | 22902.44 | 97378.93 | 110211.16 | 215309.95 | 149400.21 | 0 | 0.7 | 25898 | 1710699.3899999997 1520 | Services médicaux | 123398 | 0 | 1656.7 | 8970.17 | 40803.67 | 42979.68 | 0 | 0 | 962 | 218770.21999999997 1530 | Services d'agence ou de représentation | 611 | 0 | 4645.18 | 124186.56 | 31103.86 | 138763.09 | 0 | 0 | 754 | 300063.68999999994 1540 | Services d'enseignement | 24591 | 0 | 7032.99 | 156785.47 | 9902.5 | 20282.6 | 0 | 0 | 5960 | 224554.56 1550 | Autres services | 331555 | 49468.99 | 7084.27 | 610119.61 | 149902.54 | 784120.66 | 0 | 28923.05 | 25553 | 1986727.1199999999 1560 | Crédit à la consommation | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97 Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.559999995 | 25162945.939999998 | 5672059.329999999 | 3411437.5100000002 | 1798984.06 | 3549306 | 76669787.31 (1) Commerce de gros Import-export | 1555 | 42837.33 | 28543.37 | 971367.69 | 1425883.23 | 151540 | 0 | 12926.16 | 0 | 2634652.7800000003 Produits pétroliers | 406085 | 0 | 782.74 | 5115.63 | 735.55 | 7311 | 0 | 0 | 0 | 420029.92 Produits pharmaceutiques | 0 | 1901.24 | 360.48 | 121929.7 | 93279.74 | 20879 | 0 | 0 | 0 | 238350.16 Produits alimentaires | 474552 | 16368.98 | 303968.06 | 1680104.09 | 842178.67 | 170235 | 0 | 54156.48 | 27136 | 3568699.28 Matériaux de construction | 0 | 0 | 71995.62 | 429164.34 | 642953.42 | 59977 | 0 | 0 | 0 | 1204090.3800000001 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 285118 | 76029.35 | 132593.3 | 749521.43 | 562357.5 | 9925 | 0 | 189332.06 | 0 | 2004876.6400000001 S-Total | 1167310 | 137136.90000000002 | 538243.5700000001 | 3957202.8800000004 | 3567388.11 | 419867 | - | 256414.7 | 27136 | 10070699.16 (2) Commerce de détail Produits pétroliers | 23297 | 8386.8 | 0 | 131942.36 | 93629.34 | 46656 | 0 | 0 | 0 | 303911.5 Produits pharmaceutiques | 0 | 0 | 0 | 8527.91 | 1306.64 | 19044 | 0 | 0 | 0 | 28878.55 Véhicules automobiles | 0 | 36463.21 | 0 | 941810.21 | 1915418.26 | 124491 | 0 | 174849.44 | 988 | 3194020.1199999996 Produits alimentaires | 1261 | 0 | 7537.6 | 784303.09 | 602522.6 | 155624 | 0 | 0 | 5021 | 1556269.29 Librairie ,papeterie | 1693 | 0 | 0 | 44392.35 | 22710.63 | 9200 | 0 | 0 | 1398 | 79393.98 Appareils électro- ménagers électroni.équip. inform. | 13952 | 0 | 6224.35 | 279814.84 | 201510.09 | 195125 | 0 | 0 | 0 | 696626.28 Matériaux de construction | 0 | 0 | 0 | 220982.99 | 252031.26 | 262 | 0 | 33602.14 | 0 | 506878.39 Autres | 62384 | 368860.9 | 41401 | 1111274.01 | 838613.66 | 127979 | 0 | 196602.92 | 2423 | 2749538.49 S-Total | 102587 | 413710.91000000003 | 55162.95 | 3523047.76 | 3927742.4799999995 | 678381 | - | 405054.5 | 9830 | 9115516.6 [Secteur d'activité déc. 14 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7.172580930585297e-05 | 0.0037060386419921713 | 0 | 0 | 0 | 0 | 0.001237420153735392 200 | Industrie alimentaire | 0.033416709705202066 | 0.004930014676059646 | 0.0014766046256150976 | 0.015432658909306568 | 0.04931108912917691 | 0.03806496325912022 | 0.005723124032836234 | 0.23576282271228127 | 0.0434546922694183 | 0.03618454136024654 210 | Industrie des boissons | 0.00036616667973854276 | 0 | 0.0037504305206807645 | 0.025977614149216687 | 0.0843880372776416 | 0.019395065107684625 | - | 0.2221928192070807 | 0.01901188570385309 | 0.04303273839354544 220 | Industrie du bois | 0.0005720487280078017 | 0.00033534661553096207 | 0.0021039714575413152 | 0.00014487559242630643 | 0 | 0 | - | 0 | 0 | 0.000193161485372588 230 | Industrie chimique | 0 | 0.0002311199051371772 | 0 | 0.018288205203259196 | 0.0037433009721754384 | 0.014461620590982079 | - | 0 | 0 | 0.007683056790261493 240 | Industrie du textile | 0.026652661261322586 | 0 | 0.024325250903847837 | 0.026871810741984636 | 0.010383389155745253 | 0.018286517112295442 | - | 0 | 0.0023125647661824595 | 0.017270071907807407 250 | Industrie pharmacie | 0 | 0 | 0.008147699138539032 | 0.00027565464208086565 | 0.0006035052507846384 | 0 | - | 0 | 0 | 0.0005263517927450475 260 | Imprimerie, édition | 0.0068124205513569345 | 0 | 0.0014001641097908853 | 0.003968357890278985 | 0.0018511656032274575 | 0.006937864664402234 | - | 0 | 0.00021356287679901367 | 0.003301380881318634 270 | Sidérurgie, aciérie | 0.03983845380916935 | 0 | 0.009284586290622206 | 0.024349746081529077 | 0.015119228523844298 | 0.01145527509847116 | - | 0.07863607752033111 | 0.014069511053710218 | 0.021369546694781357 280 | Industrie de la fabrication | 0.0063902051199332295 | 0 | 0.01790650467645922 | 0.04043353120410035 | 0.02145091005190945 | 0.011838640270358388 | - | 0 | 0.0028349204041578833 | 0.0213873517526522 290 | Autres industries | 0 | 0 | 0.03626325602899955 | 0.005192341853219888 | 0.004392118882404593 | 0.00794186861934676 | - | 0.0013382831196403152 | 0.0011982624208788986 | 0.004743661652920268 300 | Production et distribution de l'électricité | 0.12920476625265814 | 0 | 0.11995995445606998 | 0.040927966211580485 | 0.0038041308926326776 | 0.0002605420560718994 | - | 0.039247974214957744 | 0 | 0.03608974169723701 400 | Production et distribution de gaz | 0 | 0 | 0.0018152300917781033 | 0.000460033094641038 | 0.09268838813870615 | 0.01611923019147968 | - | 0 | 0 | 0.0318031548743056 500 | Traitement et distribution de l'eau | 0 | 0.011488452175978152 | 0.00409630020895647 | 0.012128563523730778 | 0.0022157799064126595 | 0 | - | 0 | 0 | 0.0047126614364935565 600 | Entrep/ batiment et corps/ métiers corresp. | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245013 | 0.026448427842546963 | 0.039643374111180185 | - | 0.01249961603328492 | 0.10905089614702142 | 0.05383866950497739 700 | Commerce de gros(1) | 0.10796423164745594 | 0.09934201419841909 | 0.23140391524108794 | 0.1754344109645601 | 0.1417714809111099 | 0.0740236668152059 | 0.0020282300290471976 | 0.14253305835294616 | 0.007645438291316669 | 0.13144185387202162 800 | Commerce de détail(2) | 0.009488239751032555 | 0.29969229360105076 | 0.023715880697300705 | 0.1561870410282358 | 0.15609231484125663 | 0.11960056666050425 | 0.0018413410714945206 | 0.2251573590929983 | 0.0027695555131059422 | 0.11897514053505463 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006990555692851361 | 0.00022586075919987615 | 0.0020726987740708252 | 0.0004088245668232644 | 0.0006406956498035541 | 0.0026095160750019874 | - | 0 | 0.0007145058780505259 | 0.0016094433587127686 1000 | Hotels,motels et pensions | 0.01497509807606648 | 0 | 0.006456639742938371 | 0.04491945569641875 | 0.010470235107932678 | 0.10070167936695402 | 0.006579859643977473 | 0 | 0 | 0.026702221981160727 1100 | Transport | 0.0076802513055844535 | 0.04067515466742538 | 0.016923057457433756 | 0.011742114231626286 | 0.018539008155576877 | 0.00413217292633644 | - | 0 | 0 | 0.012173610137017607 1200 | Immobilier résidentiel | 0.10055368027572287 | 0.1693827112951706 | 0.06530807679647584 | 0.0075630379198516765 | 0.04073076190855577 | 0.10971834633471651 | 0.5729166383000813 | 0 | 0.22701790152779164 | 0.07892255375033204 1300 | Immobilier commercial | 0.05082548897448912 | 0.03216018448678284 | 0.03690962120959997 | 0.030042917524514844 | 0.16463375750510395 | 0.0022693785891693065 | 0.29523893286850794 | 0 | 0.007911687524265307 | 0.08540850013739265 1400 | Télécommunications | 0.047880339799719125 | 0 | 0.028136820939463143 | 0.005295217754714124 | 0.024381697256867372 | 0.0006864561481940635 | - | 0.013782495660356213 | 0.12321620057554913 | 0.0232439216610108 1500 | Services financiers | 0.0007456518747290052 | 0 | 0.021436788231262896 | 0.07285813359940094 | 0.04803663501412745 | 0.1530244800877286 | - | 0.007330581906323283 | 0.26598946385575095 | 0.06176263318500655 1510 | Services professionnels | 0.10077658042681402 | 0.016590533647421697 | 0.04186555477845808 | 0.004885983994917362 | 0.008556627292901143 | 0.02633967688063658 | 0 | 3.891085060531331e-07 | 0.0072966377088929495 | 0.02231256209285028 1520 | Services médicaux | 0.011413042674002703 | 0 | 0.0007122553575139047 | 0.00039767394746310507 | 0.001621577620414345 | 0.007577438369284478 | - | 0 | 0.0002710389016895134 | 0.0028534084634334947 1530 | Services d'agence ou de représentation | 5.651120013140935e-05 | 0 | 0.001997075114152496 | 0.005505554469654839 | 0.001236097715830486 | 0.02446432273126452 | - | 0 | 0.00021243589591880778 | 0.003913714913369309 1540 | Services d'enseignement | 0.00227441394833304 | 0 | 0.0030236523250085816 | 0.006950759769297376 | 0.00039353500276208123 | 0.0035758793799499982 | - | 0 | 0.0016792015115067566 | 0.002928853305566839 1550 | Autres services | 0.030665418919098898 | 0.03583534955659604 | 0.0030456988359842036 | 0.027048391918252403 | 0.0059572730616453415 | 0.13824267596298223 | - | 0.016077435394285817 | 0.007199435607975193 | 0.025912777245188368 1560 | Crédit à la consommation | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.1188258047051585 | 0.05683279268691224 | 0.04746573234451693 | 0.11567187405405528 | 0.0054410876770081 | 0.15593020156616533 | 0.11846529498348234 Total | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9988369497538384 | 1 | 1 | 1 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.00014382146678288305 | 0.031031373282964913 | 0.012271484399107661 | 0.043063578919955554 | 0.05666598948310581 | 0.02671692787106302 | - | 0.007185255438005382 | 0 | 0.034363637521873804 Produits pétroliers | 0.037558675458859846 | 0 | 0.0003365188377741497 | 0.00022679088310039656 | 2.9231473999661585e-05 | 0.0012889498460165085 | - | 0 | 0 | 0.005478428136257731 Produits pharmaceutiques | 0 | 0.001377258763338056 | 0.00015497906155406073 | 0.005405501246017875 | 0.003707027794854453 | 0.0036810263760058384 | - | 0 | 0 | 0.0031087885901688434 Produits alimentaires | 0.043891167012701425 | 0.011857693479994831 | 0.13068321316358306 | 0.07448394240234109 | 0.033469001284990245 | 0.03001290890939958 | - | 0.03010392432270912 | 0.007645438291316669 | 0.04654635685332775 Matériaux de construction | 0 | 0 | 0.03095265652353186 | 0.01902611401993476 | 0.025551595649138056 | 0.010574113652651092 | - | 0 | 0 | 0.015704887443230866 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.02637047521942254 | 0.05507568142811862 | 0.05700506325553716 | 0.033228483493210434 | 0.02234863522502167 | 0.0017498053921096769 | - | 0.10524387859223165 | 0 | 0.02614950047916078 S-Total | 0.1079641391577667 | 0.09934200695441642 | 0.23140391524108794 | 0.17543441096456008 | 0.14177148091110992 | 0.07402373204724572 | - | 0.14253305835294616 | 0.007645438291316669 | 0.13135159902401977 (2) Commerce de détail Produits pétroliers | 0.0021547322904442614 | 0.006075400157983005 | 0 | 0.005849391833019675 | 0.003720921239637651 | 0.00822558391680293 | - | 0 | 0 | 0.003963901696651256 Produits pharmaceutiques | 0 | 0 | 0 | 0.00037806726442309214 | 5.1927147286952375e-05 | 0.003357510719127122 | - | 0 | 0 | 0.0003766614074881278 Véhicules automobiles | 0 | 0.026413959054057266 | 0 | 0.041753209133356 | 0.07612058876441716 | 0.021948113155579426 | - | 0.09719343483232419 | 0.0002783642774108516 | 0.041659436292493864 Produits alimentaires | 0.00011662949814354696 | 0 | 0.0032405963558862854 | 0.03477045650280998 | 0.02394483545117055 | 0.027436948548279733 | - | 0 | 0.001414642749878427 | 0.020298338427724015 Librairie ,papeterie | 0.0001565850438993061 | 0 | 0 | 0.001968043087440235 | 0.0009025425740750927 | 0.0016219858546507836 | - | 0 | 0.000393879817631954 | 0.0010355315018546383 Appareils électro- ménagers électroni.équip. inform. | 0.0012904161444082215 | 0 | 0.0026759984514647633 | 0.012405012611974709 | 0.00800820740466925 | 0.034401085857471106 | - | 0 | 0 | 0.009086059899753229 Matériaux de construction | 0 | 0 | 0 | 0.009796824135495746 | 0.010015967947511317 | 0 | - | 0.01867839785084032 | 0 | 0.006611188158779307 Autres | 0.005769876774137219 | 0.26720293438901055 | 0.017799290189191266 | 0.04926603645971638 | 0.03332732431248867 | 0.022563057357864416 | - | 0.10928552640983379 | 0.0006826686681847099 | 0.035862085789839925 S-Total | 0.009488239751032555 | 0.2996922936010508 | 0.023715884996542314 | 0.15618704102823583 | 0.15609231484125663 | 0.11955428540977552 | - | 0.22515735909299828 | 0.0027695555131059422 | 0.11889320317458435 [Secteur d'activité déc. 14 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT AU 31 mars 2016 RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1269898 | 550847.82 | 593406.51 | 7480250.64 | 7495130.59 | 1098248.1400000001 | 13200.8 | 661469.2 | 36966 | 19199417.7 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1815308 | 72683.21999999999 | 187499.02999999997 | 3676155.9899999993 | 1935349.52 | 2589497.4000000004 | 22446.78 | 42111.35 | 1005741 | 11346792.29 Industries Manufacturières ( 200 à 290 ) | 1233096 | 7587.63 | 243434.72 | 3630140.9499999997 | 4812230.850000001 | 728189.27 | 19524.08 | 967727.5 | 294931 | 11936862 Prêts aux Particuliers ( 1560 ) | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1636714 | 278220.35 | 237757.51 | 848262.29 | 5167576.3 | 635201.02 | 2961658.48 | 0 | 833837 | 12599226.950000001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 600722 | 56150.11 | 104808.9 | 384304.19 | 1080011.39 | 27331.55 | 0 | 24794.49 | 437332 | 2715454.63 Bâtiments et Travaux Publics ( 600 ) | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34 Électricité, Gaz et Eau ( 300 à 500 ) | 1396964 | 15859.26 | 292776.02 | 1207151.4100000001 | 2483791.59 | 99503.93 | 0 | 70606.48 | 0 | 5566652.69 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74 Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.56 | 25162945.94 | 5672059.330000001 | 3411437.51 | 1798984.0599999998 | 3549306 | 76669787.30999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1174524713984885 | 0.39903430779946986 | 0.2551197959383887 | 0.33162145199279586 | 0.2978637957523665 | 0.19362423347571012 | 0.0038695711005417186 | 0.3676904174459445 | 0.010414993804422611 | 0.2504169944070763 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1678972728120269 | 0.05265174396321761 | 0.08061036315938935 | 0.16297477796222798 | 0.07691267646541707 | 0.4565356688538023 | 0.006579859643977474 | 0.023408406409115155 | 0.2833627193597847 | 0.14799561454528837 Industries Manufacturières ( 200 à 290 ) | 0.11404866585473052 | 0.005496481196727785 | 0.10465846775209592 | 0.1609347962674025 | 0.19124274484690962 | 0.12838181472266086 | 0.005723124032836235 | 0.5379300025593334 | 0.08309539949499986 | 0.155691862711651 Prêts aux Particuliers ( 1560 ) | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.11882580470515848 | 0.056832792686912235 | 0.04746573234451692 | 0.1156718740540553 | 0.0054410876770081005 | 0.15593020156616533 | 0.11846529498348235 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.151379169250212 | 0.20154289578195342 | 0.1022176980060758 | 0.03760595544436651 | 0.2053645194136597 | 0.11198772492388578 | 0.8681555711685893 | 0 | 0.23492958905205694 | 0.16433105388772473 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05556059110530358 | 0.04067515466742538 | 0.045059878396896895 | 0.017037331986340408 | 0.04292070541244424 | 0.004818629074530501 | 0 | 0.013782495660356215 | 0.12321620057554913 | 0.035417531798028416 Bâtiments et Travaux Publics ( 600 ) | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245012 | 0.02644842784254696 | 0.03964337411118017 | 0 | 0.012499616033284922 | 0.10905089614702142 | 0.053838669504977406 Électricité, Gaz et Eau ( 300 à 500 ) | 0.12920476625265814 | 0.011488452175978152 | 0.12587148475680457 | 0.0535165628299523 | 0.09870829893775147 | 0.017542822493713226 | 0 | 0.03924797421495775 | 0 | 0.07260555800803618 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7.172580930585296e-05 | 0.0037060386419921704 | 0 | 0 | 0 | 0 | 0.0012374201537353922 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1 | 1 [Secteur d'activité sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84 200 | Industrie alimentaire | 334535 | 22143.37 | 3612.97 | 351551.03 | 1186357.14 | 228978.03 | 21168.66 | 354780.98 | 153155 | 2656282.1799999997 210 | Industrie des boissons | 3906 | 0 | 8948.47 | 601418.91 | 2131987.99 | 110013.03 | 0 | 120744.08 | 70042 | 3047060.48 220 | Industrie du bois | 9360 | 535.05 | 0 | 2167.2 | 0 | 0 | 0 | 0 | 0 | 12062.25 230 | Industrie chimique | 0 | 505.24 | 0 | 473361.57 | 96753.39 | 74056.07 | 0 | 0 | 0 | 644676.27 240 | Industrie du textile | 293147 | 0 | 0 | 599776.96 | 252840.84 | 90253.04 | 0 | 0 | 7816 | 1243833.84 250 | Industrie pharmacie | 0 | 0 | 13741.24 | 7086.11 | 18136.48 | 0 | 0 | 0 | 0 | 38963.83 260 | Imprimerie, édition | 170483 | 0 | 4139.94 | 242155.17 | 86636.88 | 56682 | 0 | 0 | 4533 | 564629.99 270 | Sidérurgie, aciérie | 431148 | 0 | 22654.58 | 546259.3 | 394550.14 | 64975 | 0 | 184082.63 | 45940 | 1689609.65 280 | Industrie de la fabrication | 70545 | 0 | 177724.75 | 849460.16 | 561869.64 | 75161.54 | 0 | 0 | 8852 | 1743613.0900000003 290 | Autres industries | 0 | 0 | 83131.05 | 153898.81 | 108962 | 45108.36 | 0 | 13821.5 | 1355 | 406276.72 300 | Production et distribution de l'électricité | 1626641 | 0 | 356620.26 | 931540.88 | 93722.46 | 1662.85 | 0 | 68794.75 | 0 | 3078982.2 400 | Production et distribution de gaz | 0 | 3401.19 | 4661.25 | 1618.71 | 1441022.63 | 90111.48 | 0 | 47.55 | 0 | 1540862.8099999998 500 | Traitement et distribution de l'eau | 0 | 15644.45 | 7609.61 | 282251.81 | 52871.59 | 0.02 | 0 | 0 | 0 | 358377.48 600 | Entrep/ batiment et corps/ métiers corresp. | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004 700 | Commerce de gros(1) | 1036115 | 132151.8 | 452499.95 | 3948676.91 | 3383162.53 | 464549.86 | 6713.53 | 279574.38 | 14138 | 9717581.959999999 800 | Commerce de détail(2) | 101583 | 400241.74 | 112969.67 | 3327649.59 | 3683975.55 | 606566.62 | 6814.8 | 351991.98 | 7524 | 8599316.95 900 | Rest/débits/boissons, casinos/activités/loterie | 61471 | 2401.36 | 5557.96 | 9456.31 | 18428.69 | 16657.45 | 0 | 0 | 5565 | 119537.77 1000 | Hotels,motels et pensions | 155724 | 0 | 16162.58 | 1003262.96 | 280261.18 | 559783.83 | 22352.12 | 0 | 0 | 2037546.67 1100 | Transport | 66627 | 57765.61 | 49061.22 | 241470.02 | 457851.15 | 25091.45 | 0 | 0 | 0 | 897866.45 1200 | Immobilier résidentiel / Avance Hypothécaire | 1024328 | 196644.01 | 110407.89 | 175289.72 | 987513.74 | 622498.52 | 1792708.15 | 0 | 810855 | 5720245.029999999 1300 | Immobilier commercial | 522551 | 111498.37 | 95202.35 | 657601.64 | 4036654.06 | 2973.24 | 1136279.55 | 0 | 29320 | 6592080.21 1400 | Télécommunications | 550079 | 0 | 9398.62 | 121550.73 | 679719.22 | 4376.57 | 0 | 2020.3 | 443433 | 1810577.44 1500 | Services financiers | 6154 | 0 | 27678.12 | 1456312.66 | 925196.06 | 849051.55 | 0 | 2157.11 | 1099483 | 4366032.5 1510 | Services professionnels | 1072537 | 22871.55 | 106201.57 | 96436.73 | 181769.48 | 127450.77 | 0 | 133.98 | 22638 | 1630039.08 1520 | Services médicaux | 182027 | 0 | 1535.02 | 6637.42 | 40593.8 | 18113.85 | 0 | 0 | 1132 | 250039.09 1530 | Services d'agence ou de représentation | 363 | 0 | 10518.08 | 112290.7 | 26755.21 | 503.81 | 0 | 0 | 1005 | 151435.8 1540 | Services d'enseignement | 24848 | 0 | 7465.06 | 144572.01 | 7119.52 | 21665.64 | 0 | 0 | 6261 | 211931.22999999998 1550 | Autres services | 322835 | 72558.78 | 7639.34 | 623825.99 | 232285.33 | 816860.69 | 0 | 47412.33 | 24216 | 2147633.46 1560 | Crédit à la consommation | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08 Total | 11520613 | 1435916.55 | 2291705.8800000004 | 21961529.130000003 | 23566817.349999998 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.98 (1) Commerce de gros Import-export | 0 | 35569.42 | 37082.86 | 820918.35 | 1357868.59 | 171607 | 0 | 0 | 0 | 2423046.22 Produits pétroliers | 232625 | 0 | 751.29 | 4483.19 | 50939.21 | 12710 | 0 | 0 | 0 | 301508.69 Produits pharmaceutiques | 0 | 2190.43 | 0 | 117053.56 | 86122.47 | 30950 | 0 | 0 | 0 | 236316.46 Produits alimentaires | 495967 | 16523.15 | 202478.96 | 1813347.99 | 899364.39 | 183615 | 0 | 63902.51 | 3933 | 3679132 Matériaux de construction | 0 | 0 | 53123.68 | 418762.2 | 610267.47 | 56846 | 0 | 0 | 4642 | 1143641.35 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 307523 | 77868.8 | 159063.15 | 774111.63 | 378600.39 | 8822 | 0 | 215671.86 | 5563 | 1927223.83 S-Total | 1036115 | 132151.8 | 452499.93999999994 | 3948676.92 | 3383162.52 | 464550 | - | 279574.37 | 14138 | 9710868.55 (2) Commerce de détail Produits pétroliers | 22236 | 5886.8 | 0 | 99849.23 | 100309.17 | 33976 | 0 | 0 | 0 | 262257.2 Produits pharmaceutiques | 0 | 0 | 0 | 9472.6 | 0 | 18026 | 0 | 0 | 308 | 27806.6 Véhicules automobiles | 0 | 35535.01 | 34168.28 | 869268.15 | 1905391.22 | 122864 | 0 | 106361.8 | 0 | 3073588.46 Produits alimentaires | 1201 | 0 | 8413.09 | 683474.84 | 451976.99 | 148249 | 0 | 0 | 4982 | 1298296.92 Librairie ,papeterie | 1743 | 0 | 0 | 45597.13 | 22381.53 | 8704 | 0 | 0 | 0 | 78425.66 Appareils électro- ménagers électroni.équip. inform. | 13592 | 0 | 6094.6 | 317938.38 | 168892.13 | 169566 | 0 | 0 | 0 | 676083.11 Matériaux de construction | 0 | 0 | 0 | 200750.56 | 261595.69 | 319 | 0 | 65010.1 | 0 | 527675.35 Autres | 62812 | 358819.93 | 64293.7 | 1101298.71 | 773428.82 | 104862 | 0 | 180620.08 | 2234 | 2648369.2399999998 S-Total | 101584 | 400241.74 | 112969.66999999998 | 3327649.5999999996 | 3683975.5499999993 | 606566 | - | 351991.98 | 7524 | 8592502.54 [Secteur d'activité sept. 14 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 8.310714564528139e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.0013436947724269218 200 | Industrie alimentaire | 0.02903795136595596 | 0.015421070256485307 | 0.001576541750636866 | 0.016007584349842584 | 0.0503401508307612 | 0.042064329526349566 | 0.006515853312805958 | 0.24511951114966657 | 0.040343675271807135 | 0.035553368010037445 210 | Industrie des boissons | 0.0003390444588321819 | 0 | 0.00390472009436045 | 0.027385110865456388 | 0.09046567291361472 | 0.02020990549229627 | - | 0.0834225382201048 | 0.018450273927641377 | 0.04078379300586256 220 | Industrie du bois | 0.0008124567677084545 | 0.00037261914698315853 | 0 | 9.868165313860363e-05 | 0 | 0 | - | 0 | 0 | 0.00016144881613408793 230 | Industrie chimique | 0 | 0.0003518588876212897 | 0 | 0.02155412618119456 | 0.004105492420256739 | 0.013604444635611593 | - | 0 | 0 | 0.008628756706355748 240 | Industrie du textile | 0.02544543419694768 | 0 | 0 | 0.027310346035089583 | 0.010728679916552245 | 0.016579903387739025 | - | 0 | 0.002058869549962094 | 0.016648262217705365 250 | Industrie pharmacie | 0 | 0 | 0.0059960748540733326 | 0.00032266013709947885 | 0.0007695769747203477 | 0 | - | 0 | 0 | 0.0005215166511678881 260 | Imprimerie, édition | 0.01479808409500432 | 0 | 0.0018064883614122415 | 0.011026334667617018 | 0.003676223170626814 | 0.01041274713653771 | - | 0 | 0.0011940705821364092 | 0.007557366448158668 270 | Sidérurgie, aciérie | 0.03742405026538084 | 0 | 0.009885465756190318 | 0.024873463808756196 | 0.01674176593896333 | 0.011936209823163221 | - | 0.12718338022727416 | 0.012101390369147725 | 0.022614808822668295 280 | Industrie de la fabrication | 0.006123372080982149 | 0 | 0.07755129118052442 | 0.03867946330019507 | 0.02384155788435302 | 0.013807524618269723 | - | 0 | 0.002331769863902822 | 0.023337625167476957 290 | Autres industries | 0 | 0 | 0.03627474656564567 | 0.007007654571273471 | 0.004623534793933471 | 0.008286615617372574 | - | 0.00954932624447657 | 0.00035693042991282467 | 0.00543786569394933 300 | Production et distribution de l'électricité | 0.1411939625087658 | 0 | 0.1556134507103503 | 0.04241694075516316 | 0.003976882351489859 | 0.0003054732820999917 | - | 0.047530551073125524 | 0 | 0.04121105358352957 400 | Production et distribution de gaz | 0 | 0.002368654362260815 | 0.002033965196266809 | 7.370661625691635e-05 | 0.06114625528762797 | 0.016553898157072353 | - | 0 | 0 | 0.020623886629736906 500 | Traitement et distribution de l'eau | 0 | 0.010895096933035558 | 0.0033205002729233294 | 0.012852101888225848 | 0.0022434760372935974 | 0 | - | 0 | 0 | 0.004796751839426124 600 | Entrep/ batiment et corps/ métiers corresp. | 0.002493877712930727 | 0.10490500301009831 | 0 | 0.11215744748098055 | 0.0342026815937452 | 0.03639073440318197 | - | 0.0038425994120685407 | 0.117275485491239 | 0.05484256076683749 700 | Commerce de gros(1) | 0.08993575255066723 | 0.09203306417771978 | 0.19745114499597127 | 0.17979972553942103 | 0.14355619088294075 | 0.08533997079309118 | 0.0020664688596785143 | 0.19315898883748256 | 0.003724193666500011 | 0.1300662897160952 800 | Commerce de détail(2) | 0.008817499554928197 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176200036757 | 0.156320452409328 | 0.11142911039702828 | 0.0020976404343076055 | 0.24319258057803217 | 0.001981951700859109 | 0.11509872048243865 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0053357403811758975 | 0.0016723534525735497 | 0.002425250137247106 | 0.0004305852267400835 | 0.0007819761882272152 | 0.003060051070701812 | - | 0 | 0.0014659172269113428 | 0.0015999694459830373 1000 | Hotels,motels et pensions | 0.013516989069939247 | 0 | 0.00705264150214599 | 0.045682746135810616 | 0.01189219468364064 | 0.10283489419767496 | 0.006880130114529512 | 0 | 0 | 0.027271818913507273 1100 | Transport | 0.0057832860109093154 | 0.04022908573621496 | 0.021408166042668614 | 0.010995136931068513 | 0.0194277887930421 | 0.004609416113388362 | - | 0 | 0 | 0.012017614905926857 1200 | Immobilier résidentiel | 0.08891262990953692 | 0.136946683983829 | 0.048177163991044075 | 0.007981671902825282 | 0.04190271963048927 | 0.1143558745568075 | 0.5518074048178646 | 0 | 0.2135932278575376 | 0.07656339307263571 1300 | Immobilier commercial | 0.045357916284489375 | 0.07764961689451938 | 0.04154213279759966 | 0.02994334484212666 | 0.17128549859109424 | 0.0005461980222335024 | 0.34975434770746766 | 0 | 0.007723394985272339 | 0.0882325889254036 1400 | Télécommunications | 0.04774737247054475 | 0 | 0.004101145824175308 | 0.005534711598654514 | 0.02884221530235605 | 0.0008039962728089489 | - | 0.0013958328554582362 | 0.11680791979891778 | 0.024233918564702903 1500 | Services financiers | 0.0005341729645809645 | 0 | 0.012077518429197378 | 0.06631198817620765 | 0.03925842196931187 | 0.15597472029983778 | - | 0.0014903553981277613 | 0.2896228338537581 | 0.058437752353661394 1510 | Services professionnels | 0.09309721626791907 | 0.0159281888630645 | 0.046341710307083554 | 0.0043911664542641065 | 0.007712941348866525 | 0.02341329946662126 | 0 | 9.256728504395114e-05 | 0.005963240643812933 | 0.021817478473609635 1520 | Services médicaux | 0.015800114108511412 | 0 | 0.0006698154476961065 | 0.00030222941037985905 | 0.0017224981802644644 | 0.003327598527207466 | - | 0 | 0.0002981883739197915 | 0.003346682009388353 1530 | Services d'agence ou de représentation | 3.1508740029718905e-05 | 0 | 0.004589629101968355 | 0.005113063818794296 | 0.001135291609496859 | 9.25522411851922e-05 | - | 0 | 0.000264734377905822 | 0.0020269129416417755 1540 | Services d'enseignement | 0.0021568296756431277 | 0 | 0.0032574249885853586 | 0.006582966474884984 | 0.00030209934138603577 | 0.003980078876385041 | - | 0 | 0.0016492556617595537 | 0.0028366222044262962 1550 | Autres services | 0.028022380406320394 | 0.05053133484672211 | 0.003333473141850122 | 0.028405398654497056 | 0.00985645734637138 | 0.1500611095364969 | - | 0.032757356812269565 | 0.006378913129718791 | 0.028745290439756682 1560 | Crédit à la consommation | 0.29728235815229626 | 0.171959296659684 | 0.2603145260507862 | 0.11515477337802296 | 0.05495891111491133 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934918 Total | 1.0000000000000002 | 1 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999963259071 | 1 | 0.9999671475264676 | 1 | 1 (1) Commerce de gros Import-export | 0 | 0.0247712306122525 | 0.016181334753131583 | 0.03737983567267203 | 0.05761781787645586 | 0.03152500437281371 | - | 0 | 0 | 0.03243158976618597 Produits pétroliers | 0.02019206790472 | 0 | 0.00032783002677463994 | 0.00020413833542564435 | 0.002161480239078613 | 0.0023348861385518206 | - | 0 | 0 | 0.004035583830101325 Produits pharmaceutiques | 0 | 0.0015254577294202785 | 0 | 0.005329936695532821 | 0.0036543954459765018 | 0.0056856590077245354 | - | 0 | 0 | 0.003163009612634338 Produits alimentaires | 0.04305040018269861 | 0.011507040572796518 | 0.08835294344141577 | 0.08256929557436513 | 0.0381623185109465 | 0.03373092984501908 | - | 0.04415048408862471 | 0.0010360202072672616 | 0.04924383973147954 Matériaux de construction | 0 | 0 | 0.023180845528048298 | 0.019067989187873093 | 0.025895200906286144 | 0.010442874699615799 | - | 0 | 0.0012227830669043042 | 0.015307222287673535 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.026693284463248614 | 0.0542293352632505 | 0.06940818688303928 | 0.035248530528894 | 0.016064977479871716 | 0.0016206424480176367 | - | 0.14900849783982031 | 0.0014653903923284456 | 0.02579518794411513 S-Total | 0.08993575255066723 | 0.09203306417771981 | 0.1974511406324096 | 0.17979972599476268 | 0.1435561904586153 | 0.08533999651174261 | - | 0.19315898192844502 | 0.003724193666500011 | 0.12997643317218982 (2) Commerce de détail Produits pétroliers | 0.001930105628927905 | 0.004099681140940955 | 0 | 0.00454655180925464 | 0.004256373209427025 | 0.006241549287445842 | - | 0 | 0 | 0.0035102169547672054 Produits pharmaceutiques | 0 | 0 | 0 | 0.00043132697836874165 | 0 | 0.0033114600734488685 | - | 0 | 8.113252576616236e-05 | 0.0003721811975969764 Véhicules automobiles | 0 | 0.02474726682410618 | 0.014909539787889357 | 0.03958140368343285 | 0.08085059563632593 | 0.022570688475769544 | - | 0.07348576696811258 | 0 | 0.04113886034117967 Produits alimentaires | 0.00010424792500190745 | 0 | 0.003671103728197442 | 0.03112145952835115 | 0.019178533243904488 | 0.027234031090021153 | - | 0 | 0.001312344945996821 | 0.0173772306762447 Librairie ,papeterie | 0.00015129403270468334 | 0 | 0 | 0.00207622746713539 | 0.0009497052430798425 | 0.0015989652989736466 | - | 0 | 0 | 0.0010496988506733399 Appareils électro- ménagers électroni.équip. inform. | 0.0011797983319116786 | 0 | 0.0026594163121840047 | 0.014477060231916554 | 0.007166522636116583 | 0.031150063176213848 | - | 0 | 0 | 0.009049125803042743 Matériaux de construction | 0 | 0 | 0 | 0.009141010118724823 | 0.011100170469136344 | 0 | - | 0.04491572217820397 | 0 | 0.007062742072220397 Autres | 0.005452140437318743 | 0.24988912482414105 | 0.02805495267132621 | 0.05014672263852512 | 0.03281855197133778 | 0.01926363731399064 | - | 0.12479109143171561 | 0.0005884742290961257 | 0.03544745619465142 S-Total | 0.008817586355864918 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176245570928 | 0.15632045240932801 | 0.11137039471586355 | - | 0.24319258057803217 | 0.001981951700859109 | 0.11500751209037645 [Secteur d'activité sept. 14glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1137698 | 532393.54 | 565469.62 | 7276326.5 | 7067138.08 | 1071116.48 | 13528.33 | 631566.36 | 21662 | 18316898.909999996 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1825959 | 97831.69 | 182757.72999999995 | 3452794.78 | 1712409.27 | 2410087.59 | 22352.12 | 49703.42 | 1160300 | 10914195.599999998 Industries Manufacturières ( 200 à 290 ) | 1313124 | 23183.66 | 313953 | 3827135.22 | 4838094.5 | 745227.07 | 21168.66 | 673429.19 | 291693 | 12047008.299999999 Prêts aux Particuliers ( 1560 ) | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1546879 | 308142.38 | 205610.24 | 832891.36 | 5024167.8 | 625471.76 | 2928987.7 | 0 | 840175 | 12312325.239999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 616706 | 57765.61 | 58459.840000000004 | 363020.75 | 1137570.37 | 29468.02 | 0 | 2020.3 | 443433 | 2708443.89 Bâtiments et Travaux Publics ( 600 ) | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004 Électricité, Gaz et Eau ( 300 à 500 ) | 1626641 | 19045.64 | 368891.12 | 1215411.4 | 1587616.68 | 91774.35 | 0 | 68842.3 | 0 | 4978222.489999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84 Total | 11520613 | 1435916.5500000003 | 2291705.8800000004 | 21961529.13 | 23566817.35 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.97999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.09875325210559542 | 0.37076913696690794 | 0.24674615749556827 | 0.33132148753978863 | 0.2998766432922687 | 0.19676908119011946 | 0.00416410929398612 | 0.43635156941551473 | 0.005706145367359121 | 0.24516501019853387 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15849495161411983 | 0.06813187716236016 | 0.07974746305577395 | 0.15722014435157866 | 0.07266188066756497 | 0.4427443042161104 | 0.006880130114529512 | 0.03434027949544127 | 0.30564308326778633 | 0.14608252678197445 Industries Manufacturières ( 200 à 290 ) | 0.11398039323081159 | 0.016145548291089756 | 0.1369953285628433 | 0.17426542556966299 | 0.20529265484378184 | 0.13690168023733967 | 0.006515853312805958 | 0.4652747558415221 | 0.07683697999451039 | 0.16124481153951636 Prêts aux Particuliers ( 1560 ) | 0.29728235815229626 | 0.17195929665968399 | 0.2603145260507862 | 0.11515477337802299 | 0.05495891111491132 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934921 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1342705461940263 | 0.21459630087834836 | 0.08971929678864374 | 0.03792501674495195 | 0.21318821822158346 | 0.114902072579041 | 0.9015617525253324 | 0 | 0.22131662284280995 | 0.16479598199803933 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.053530658481454066 | 0.040229085736214955 | 0.025509311866843923 | 0.016529848529723033 | 0.048270004095398146 | 0.005413412386197311 | 0 | 0.0013958328554582362 | 0.11680791979891778 | 0.03625153347062977 Bâtiments et Travaux Publics ( 600 ) | 0.002493877712930727 | 0.1049050030100983 | 0 | 0.11215744748098057 | 0.0342026815937452 | 0.03639073440318197 | 0 | 0.0038425994120685407 | 0.117275485491239 | 0.0548425607668375 Électricité, Gaz et Eau ( 300 à 500 ) | 0.1411939625087658 | 0.013263751295296371 | 0.16096791617954043 | 0.055342749259645926 | 0.06736661367641142 | 0.016859375113265403 | 0 | 0.047563403546657695 | 0 | 0.0666316920526926 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 8.31071456452814e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.001343694772426922 Total | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 [Secteur d'activité juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31 200 | Industrie alimentaire | 175355 | 21647.54 | 3853.78 | 365879.14 | 1044804.42 | 234585.21 | 0 | 329481.61 | 164052 | 2339658.6999999997 210 | Industrie des boissons | 3923 | 0 | 9464.22 | 656348.93 | 1150654.99 | 110005.88 | 0 | 209649.24 | 72604 | 2212650.26 220 | Industrie du bois | 13969 | 0 | 0 | 2433.4 | 0 | 0 | 0 | 0 | 0 | 16402.4 230 | Industrie chimique | 0 | 0 | 0 | 470541.41 | 69914.34 | 73403.38 | 0 | 0 | 0 | 613859.13 240 | Industrie du textile | 288970 | 0 | 0 | 614771.88 | 252586.35 | 101474.68 | 0 | 0 | 7785 | 1265587.91 250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 18463.09 | 1.47 | 0 | 0 | 0 | 18464.56 260 | Imprimerie, édition | 99256 | 0 | 0 | 188700.8 | 138599.55 | 61303.91 | 0 | 0 | 4479 | 492339.26 270 | Sidérurgie, aciérie | 431555 | 0 | 0 | 576663.91 | 409547.13 | 64975 | 0 | 123176.08 | 47509 | 1653426.12 280 | Industrie de la fabrication | 72094 | 0 | 45339.9 | 807237.81 | 536003.33 | 65654.15 | 0 | 0 | 8865 | 1535194.19 290 | Autres industries | 0 | 0 | 20402.96 | 77748.88 | 118684.96 | 44182.28 | 0 | 0 | 1508 | 262527.07999999996 300 | Production et distribution de l'électricité | 1885691 | 0 | 194690.72 | 892425.13 | 93656.42 | 1896.15 | 0 | 68383.83 | 0 | 3136743.25 400 | Production et distribution de gaz | 0 | 1735.16 | 5091 | 1677.26 | 1648869.45 | 91427.62 | 0 | 400.39 | 0 | 1749200.8799999997 500 | Traitement et distribution de l'eau | 0 | 4528.48 | 0 | 261435.89 | 56519.29 | 0.39 | 0 | 0 | 0 | 322484.05 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004 700 | Commerce de gros(1) | 856008 | 115928.27 | 160366.16 | 4085966.62 | 3062102.96 | 558911.26 | 0 | 273399.35 | 30747 | 9143429.62 800 | Commerce de détail(2) | 346006 | 389129.43 | 105432.92 | 2799559.63 | 3183161.83 | 561865.48 | 0 | 199876.2 | 10007 | 7595038.490000001 900 | Rest/débits/boissons, casinos/activités/loterie | 13944 | 2795.46 | 4557.78 | 11375.69 | 20640.48 | 16846.08 | 0 | 0 | 5603 | 75762.49 1000 | Hotels,motels et pensions | 161040 | 0 | 16741.67 | 1043091.98 | 90149.18 | 560589.1 | 107027.54 | 0 | 0 | 1978639.4699999997 1100 | Transport | 34589 | 48263.26 | 61463.32 | 34599.91 | 431988.23 | 32562.6 | 0 | 4848.65 | 0 | 648314.97 1200 | Immobilier résidentiel / Avance Hypothécaire | 935996 | 243779.62 | 66844.25 | 171124.94 | 932112.31 | 597698.51 | 1739389.78 | 0 | 812569 | 5499514.41 1300 | Immobilier commercial | 495532 | 98375.37 | 106423.38 | 587354.91 | 4129584.01 | 2590.63 | 991044.82 | 0 | 31474 | 6442379.12 1400 | Télécommunications | 515888 | 0 | 9592.7 | 128255.12 | 788316.54 | 2112.53 | 0 | 36899.81 | 368394 | 1849458.7 1500 | Services financiers | 5150 | 51351.65 | 1505.29 | 1494069.36 | 743953.93 | 794518.19 | 0 | 9546.87 | 638892 | 3738987.29 1510 | Services professionnels | 402171 | 22055.97 | 80427.82 | 281948.25 | 152575.58 | 133284.78 | 6746.97 | 358.46 | 23249 | 1102817.8299999998 1520 | Services médicaux | 210936 | 282.35 | 0 | 6219.77 | 40524.73 | 14078.01 | 0 | 0 | 1242 | 273282.86 1530 | Services d'agence ou de représentation | 1190 | 0 | 4272.72 | 141033.92 | 32429.11 | 0 | 0 | 0 | 979 | 179904.75 1540 | Services d'enseignement | 23271 | 0 | 3227.06 | 148836.65 | 8401.25 | 10650.57 | 0 | 0 | 7045 | 201431.53 1550 | Autres services | 400561 | 36792.89 | 5423.63 | 1342962.69 | 148840.96 | 795704.88 | 0 | 50191.5 | 34152 | 2814629.55 1560 | Crédit à la consommation | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58 Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.71 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.88999999 (1) Commerce de gros Import-export | 1413 | 43839.71 | 0 | 877952.76 | 1528065.23 | 176478 | 0 | 0 | 0 | 2627748.7 Produits pétroliers | 247985 | 0 | 0 | 3365.62 | 2466.71 | 5497 | 0 | 0 | 0 | 259314.33 Produits pharmaceutiques | 0 | 0 | 0 | 125966.09 | 86654.88 | 31040 | 0 | 0 | 0 | 243660.97 Produits alimentaires | 451644 | 5690.49 | 16301.62 | 1865807.93 | 656849.62 | 192600 | 0 | 71855.39 | 3995 | 3264744.0500000003 Matériaux de construction | 0 | 0 | 0 | 422208.66 | 592890.48 | 139708 | 0 | 0 | 15083 | 1169890.14 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 154965 | 66398.07 | 144064.54 | 790665.56 | 195176.03 | 13588 | 0 | 201543.95 | 11670 | 1578071.15 S-Total | 856007 | 115928.27 | 160366.16 | 4085966.62 | 3062102.9499999997 | 558911 | - | 273399.34 | 30748 | 9143429.34 (2) Commerce de détail Produits pétroliers | 30838 | 6285.23 | 0 | 113115.28 | 92514.6 | 44944 | 0 | 0 | 0 | 287697.11 Produits pharmaceutiques | 0 | 0 | 0 | 11339.75 | 0 | 12397 | 0 | 0 | 1925 | 25661.75 Véhicules automobiles | 19102 | 0 | 34004.93 | 887873.39 | 1397071.53 | 83238 | 0 | 30117.03 | 0 | 2451406.88 Produits alimentaires | 13496 | 176.88 | 21.89 | 684620.13 | 436580.32 | 137248 | 0 | 0 | 5110 | 1277253.22 Librairie ,papeterie | 1772 | 1813.6 | 0 | 43769.34 | 17543.59 | 8465 | 0 | 0 | 0 | 73363.53 Appareils électro- ménagers électroni.équip. inform. | 13518 | 0 | 6196.59 | 376273.31 | 103577.42 | 174131 | 0 | 0 | 0 | 673696.3200000001 Matériaux de construction | 0 | 0 | 0 | 175375.35 | 314069.95 | 113 | 0 | 61041.59 | 0 | 550599.89 Autres | 267280 | 380853.72 | 65209.52 | 507193.09 | 821804.42 | 101330 | 0 | 108717.58 | 2972 | 2255360.33 S-Total | 346006 | 389129.43 | 105432.93 | 2799559.64 | 3183161.83 | 561866 | - | 199876.2 | 10007 | 7595039.029999999 [Secteur d'activité juin 14 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380178 200 | Industrie alimentaire | 0.017585999957477894 | 0.0138935032006792 | 0.0031682833150895894 | 0.016863372359004137 | 0.04915045165604585 | 0.04291874297727294 | - | 0.24616931324282373 | 0.04872773306379201 | 0.0339268213190522 210 | Industrie des boissons | 0.0003934297729359629 | 0 | 0.007780758194898823 | 0.0302511272001567 | 0.05412995138246344 | 0.020126222321128984 | - | 0.1566376024224233 | 0.02156528619805644 | 0.03208510284537415 220 | Industrie du bois | 0.0014009228901714162 | 0 | 0 | 0.00011215542459840883 | 0 | 0 | - | 0 | 0 | 0.00023784720993862133 230 | Industrie chimique | 0 | 0 | 0 | 0.021687257183234967 | 0.0032889613811495477 | 0.013429579809754831 | - | 0 | 0 | 0.008901421826430852 240 | Industrie du textile | 0.02898021959859934 | 0 | 0 | 0.028334840647884454 | 0.011882351325286387 | 0.01856538913779355 | - | 0 | 0.0023123485352304195 | 0.018351982229768263 250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 0.0008685541476425065 | 0 | - | 0 | 0 | 0.0002677500901541402 260 | Imprimerie, édition | 0.009954184436026494 | 0 | 0 | 0.008697221314234988 | 0.0065201011322527785 | 0.011215910656907453 | - | 0 | 0.0013303801013869042 | 0.007139291770365645 270 | Sidérurgie, aciérie | 0.04327978222263051 | 0 | 0 | 0.026578444019326297 | 0.019266214832760108 | 0.0118875581497585 | - | 0.09202993460406825 | 0.014111415100868593 | 0.023975929710386288 280 | Industrie de la fabrication | 0.007230162133582797 | 0 | 0.037274999786658936 | 0.03720559683259623 | 0.025215059636371547 | 0.012011812634058745 | - | 0 | 0.0026331367713317492 | 0.022261477271952986 290 | Autres industries | 0 | 0 | 0.016773754014614294 | 0.003583446473432537 | 0.0055832644628166245 | 0.008083407813603878 | - | 0 | 0.00044791542596370876 | 0.003806841286112594 300 | Production et distribution de l'électricité | 0.18911215446275526 | 0 | 0.16005982691767018 | 0.04113188106248056 | 0.004405853627120303 | 0.00034691178738998973 | - | 0.05109238257034743 | 0 | 0.045485150362526414 400 | Production et distribution de gaz | 0 | 0.0011136346676661885 | 0.004185431020224584 | 7.730492621925173e-05 | 0.07756731943128255 | 0.016727220457776425 | - | 0.0002991478988138191 | 0 | 0.025364736192885252 500 | Traitement et distribution de l'eau | 0 | 0.002906401899440386 | 0 | 0.012049582168247268 | 0.002658821668058253 | 7.135279228019723e-08 | - | 0 | 0 | 0.004676262714127618 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631132 | - | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002739 700 | Commerce de gros(1) | 0.08584731916170475 | 0.07440336362904064 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968108893995 | 0.10225610009703413 | - | 0.2042679414809658 | 0.009132662866118139 | 0.13258664734350753 800 | Commerce de détail(2) | 0.03470024522418577 | 0.24974528196661017 | 0.08667888704004262 | 0.12903172474365673 | 0.1497446207576203 | 0.10279659200988028 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013380445684409 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0013984156904968308 | 0.001794140694848961 | 0.0037470582980473786 | 0.0005243056390440837 | 0.0009709845163151024 | 0.003082089351219449 | - | 0 | 0.001664237487847918 | 0.0010986134263585023 1000 | Hotels,motels et pensions | 0.016150377423810213 | 0 | 0.013763721262691674 | 0.04807611733052312 | 0.004240863484691397 | 0.10256307078677619 | 0.034622401810537995 | 0 | 0 | 0.028691769339482778 1100 | Transport | 0.0034688611817695696 | 0.03097561003630031 | 0.05053044316126303 | 0.0015947101163461541 | 0.020321905428573716 | 0.005957519061290129 | - | 0.0036226265880357246 | 0 | 0.00940105757547316 1200 | Immobilier résidentiel | 0.09386915466453467 | 0.1564590217054852 | 0.05495423246388669 | 0.007887149792503177 | 0.04384910721440116 | 0.10935245546208562 | 0.5626762221041732 | 0 | 0.24135423724131622 | 0.07974711983830068 1300 | Immobilier commercial | 0.049695906765868866 | 0.06313782157062652 | 0.08749316753666248 | 0.027071192291037313 | 0.19426690331486626 | 0.00047397098529448043 | 0.32059367122043825 | 0 | 0.009348600873197459 | 0.09341937149800214 1400 | Télécommunications | 0.0517373690289034 | 0 | 0.007886384629288621 | 0.00591127946105033 | 0.037084561710536534 | 0.0003864997801940643 | - | 0.027569371433175525 | 0.10942264949103085 | 0.02681855043723538 1500 | Services financiers | 0.0005164831329646212 | 0.03295775472109801 | 0.001237534366614391 | 0.06886166822153075 | 0.03499762345070316 | 0.14536177275361095 | - | 0.007132860712676853 | 0.18976762753634338 | 0.05421814459606318 1510 | Services professionnels | 0.04033292001310965 | 0.014155635688354632 | 0.06612160532646616 | 0.012994996997422667 | 0.007177571730298723 | 0.02438523390115843 | 0.0021825812902328276 | 0.0002678202647638592 | 0.006905560834370202 | 0.01599169291908896 1520 | Services médicaux | 0.021154346822335017 | 0.00018121369119594063 | 0 | 0.0002866692468375299 | 0.001906393909339808 | 0.002575654674996255 | - | 0 | 0.00036890647151652933 | 0.0039628082338588775 1530 | Services d'agence ou de représentation | 0.00011934270451027169 | 0 | 0.0035127037573627943 | 0.006500254450718346 | 0.0015255538479666776 | 0 | - | 0 | 0.00029078859550296475 | 0.002608754989648172 1540 | Services d'enseignement | 0.002333801745091204 | 0 | 0.0026530420404883024 | 0.006859882336054395 | 0.0003952177307742966 | 0.0019485843817325648 | - | 0 | 0.002092549188272101 | 0.0029209095866560802 1550 | Autres services | 0.04017145635406634 | 0.023613867209726264 | 0.004458893978436586 | 0.06189716064632665 | 0.007001885012047951 | 0.1455788846640494 | - | 0.03750014177005869 | 0.010144036888270943 | 0.04081425800360296 1560 | Crédit à la consommation | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793729 Total | 1 | 1 | 0.9999999999999999 | 0.9999999999999998 | 1.0000000000000002 | 0.9999997310548598 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0001417069256075747 | 0.028136552753885564 | 0 | 0.040464849418568635 | 0.07188435919365614 | 0.032287687374422176 | - | 0 | 0 | 0.03810434428588738 Produits pétroliers | 0.024869916452083803 | 0 | 0 | 0.00015512145152334045 | 0.00011604077115646663 | 0.001005708459395498 | - | 0 | 0 | 0.0037602539803689044 Produits pharmaceutiques | 0 | 0 | 0 | 0.0058057780508553375 | 0.004076482075181549 | 0.005678950441993133 | - | 0 | 0 | 0.0035332684171485943 Produits alimentaires | 0.045294467593140465 | 0.003652185930984905 | 0.01340194579216529 | 0.08599510175401834 | 0.030899998961625836 | 0.035237302033758945 | - | 0.05368612836721074 | 0.0011866194474303823 | 0.04734125880701695 Matériaux de construction | 0 | 0 | 0 | 0.019459600366329096 | 0.02789118644288451 | 0.025560399753543066 | - | 0 | 0.004480045338070703 | 0.016964292160519378 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.015541127902885928 | 0.042614624944170176 | 0.1184388518229003 | 0.03644178170343498 | 0.009181613174008159 | 0.002486004465393128 | - | 0.15058180564234225 | 0.003466295106761592 | 0.022883225632354502 S-Total | 0.08584721887371777 | 0.07440336362904065 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968061851264 | 0.10225605252850595 | - | 0.20426793400955298 | 0.009132959892262676 | 0.1325866432832957 (2) Commerce de détail Produits pétroliers | 0.0030926809425947553 | 0.004033893140837477 | 0 | 0.005213484119736953 | 0.004352139297782085 | 0.008222768964720985 | - | 0 | 0 | 0.004171825764577417 Produits pharmaceutiques | 0 | 0 | 0 | 0.0005226491641693952 | 0 | 0.0022681040151220646 | - | 0 | 0.0005717753282361667 | 0.00037211479049665993 Véhicules automobiles | 0.0019157011273573193 | 0 | 0.027956253950611975 | 0.04092209133109173 | 0.06572205800517479 | 0.015228881343125788 | - | 0.022501676472970737 | 0 | 0.03554725447692658 Produits alimentaires | 0.0013534866723282578 | 0.00011352249937573215 | 0 | 0.0315541470242327 | 0.020537929876044192 | 0.025110328294544897 | - | 0 | 0.0015178035985905516 | 0.018521138050658442 Librairie ,papeterie | 0.00017771031293462307 | 0.0011639778656028258 | 0 | 0.0020173292151278535 | 0.0008252983579151486 | 0.001548721504235563 | - | 0 | 0 | 0.0010638266913225102 Appareils électro- ménagers électroni.équip. inform. | 0.0013556930080418932 | 0 | 0.005094362601770468 | 0.01734243973374649 | 0.004872564545973069 | 0.0318582899295975 | - | 0 | 0 | 0.009769106353821186 Matériaux de construction | 0 | 0 | 0 | 0.008083051221888944 | 0.01477470768557022 | 0 | - | 0.045606691947238015 | 0 | 0.007984114984941948 Autres | 0.026804973160928922 | 0.2444338884607941 | 0.05361028242426938 | 0.023376533394562745 | 0.03865992298916078 | 0.018538919081416375 | - | 0.08122739234527157 | 0.0008827617015677337 | 0.03270443117450789 S-Total | 0.03470024522418577 | 0.24974528196661014 | 0.08666089897665183 | 0.1290317252045568 | 0.1497446207576203 | 0.10277601313276317 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013381228725264 [Secteur d'activité juin 14g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1202014 | 505057.7 | 265799.08 | 6885526.25 | 6245264.79 | 1120776.74 | 0 | 473275.55 | 40754 | 16738468.110000001 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1218263 | 113278.32 | 116155.97 | 4469538.31 | 1237515.22 | 2325671.61 | 113774.51 | 60096.83 | 711162 | 10365455.77 Industries Manufacturières ( 200 à 290 ) | 1085122 | 21647.54 | 79060.86 | 3760326.16 | 3739258.1599999997 | 755585.96 | 0 | 662306.9299999999 | 306802 | 10410109.61 Prêts aux Particuliers ( 1560 ) | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1431528 | 342154.99 | 173267.63 | 758479.8500000001 | 5061696.32 | 600289.14 | 2730434.6 | 0 | 844043 | 11941893.530000001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 550477 | 48263.26 | 71056.02 | 162855.03 | 1220304.77 | 34675.13 | 0 | 41748.46 | 368394 | 2497773.67 Bâtiments et Travaux Publics ( 600 ) | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004 Électricité, Gaz et Eau ( 300 à 500 ) | 1885691 | 6263.639999999999 | 199781.72 | 1155538.28 | 1799045.16 | 93324.15999999999 | 0 | 68784.22 | 0 | 5208428.18 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31 Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.709999999 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.89000002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12054756438589052 | 0.3241486455956508 | 0.2185196846551082 | 0.31735395748838646 | 0.29379430184656025 | 0.20505269210691446 | 0 | 0.35360370224644616 | 0.01210500349451259 | 0.24272045180035154 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12217714388638413 | 0.07270261200522381 | 0.09549455903010728 | 0.20600105486845752 | 0.058216093682137114 | 0.4254952905135433 | 0.03680498310077082 | 0.04490082274749941 | 0.21123370700212404 | 0.15030695109475944 Industries Manufacturières ( 200 à 290 ) | 0.10882470101142441 | 0.0138935032006792 | 0.06499779531126164 | 0.17331346145446871 | 0.17590490995678876 | 0.13823889244541904 | 0 | 0.4948368502693153 | 0.09112821519662982 | 0.15095446555953568 Prêts aux Particuliers ( 1560 ) | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989016 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793723 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.14356506143040354 | 0.2195968432761117 | 0.14244740000054917 | 0.0349583420835405 | 0.23811601052926745 | 0.10982642644738011 | 0.8832698933246116 | 0 | 0.25070283811451366 | 0.17316649133630277 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05520623021067297 | 0.03097561003630031 | 0.058416827790551656 | 0.007505989577396485 | 0.05740646713911025 | 0.006344018841484194 | 0 | 0.031191998021211254 | 0.10942264949103085 | 0.03621960801270852 Bâtiments et Travaux Publics ( 600 ) | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631133 | 0 | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002736 Électricité, Gaz et Eau ( 300 à 500 ) | 0.18911215446275526 | 0.004020036567106575 | 0.16424525793789477 | 0.05325876815694708 | 0.0846319947264611 | 0.017074203597958696 | 0 | 0.05139153046916125 | 0 | 0.07552614926953925 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380174 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 [Secteur d'activité mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17 200 | Industrie alimentaire | 174753 | 21753.16 | 18489.38 | 359734.74 | 1073693.77 | 253118.9 | 0 | 366720.2 | 168820 | 2437083.15 210 | Industrie des boissons | 3927 | 0 | 9464.22 | 688840.96 | 1144715.91 | 110012.93 | 0 | 347370.5 | 75167 | 2379498.5199999996 220 | Industrie du bois | 4948 | 0 | 8820.91 | 2850.04 | 0 | 1.19 | 0 | 0 | 0 | 16620.14 230 | Industrie chimique | 0 | 0 | 487.47 | 523138.59 | 96015.57 | 68607 | 0 | 0 | 0 | 688248.63 240 | Industrie du textile | 213999 | 0 | 0 | 623348.23 | 241025.69 | 35654.43 | 0 | 0 | 7950 | 1121977.3499999999 250 | Industrie pharmacie | 0 | 0 | 9511.73 | 0 | 65367.38 | 179.95 | 0 | 0 | 0 | 75059.06 260 | Imprimerie, édition | 57170 | 0 | 3999.91 | 140128.16 | 116931.44 | 47241.67 | 0 | 0 | 4536 | 370007.18 270 | Sidérurgie, aciérie | 458122 | 0 | 17019.96 | 611370.78 | 460121.69 | 64975 | 0 | 193045.29 | 49614 | 1854268.72 280 | Industrie de la fabrication | 73993 | 0 | 0 | 790967.15 | 542941.86 | 86402.12 | 0 | 0 | 12783 | 1507087.13 290 | Autres industries | 0 | 0 | 0 | 81731.11 | 118528.21 | 38579.96 | 0 | 0 | 2387 | 241226.28 300 | Production et distribution de l'électricité | 2207081 | 0 | 368512.18 | 897062.67 | 3585.99 | 2063.53 | 0 | 362.08 | 0 | 3478667.45 400 | Production et distribution de gaz | 0 | 1965.3 | 6127.89 | 811.36 | 2489695.82 | 91949.16 | 0 | 1125.18 | 0 | 2591674.71 500 | Traitement et distribution de l'eau | 0 | 4186.25 | 0 | 262285.64 | 61242.18 | 0 | 0 | 0 | 0 | 327714.07 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97 700 | Commerce de gros(1) | 935690 | 129686.48 | 259655.25 | 3943135.1 | 3135128.29 | 559132.5 | 0 | 307979.2 | 20847 | 9291253.82 800 | Commerce de détail(2) | 311249 | 405901.83 | 123269.38 | 2767818.27 | 3133645.17 | 574643.07 | 0 | 182194.7 | 9824 | 7508545.420000001 900 | Rest/débits/boissons, casinos/activités/loterie | 7649 | 2792.01 | 5108.06 | 11691.88 | 22896.44 | 15316.66 | 0 | 0 | 5641 | 71095.05 1000 | Hotels,motels et pensions | 153202 | 0 | 18882.74 | 1056366.4 | 56635.13 | 559558.31 | 0 | 0 | 0 | 1844644.5799999998 1100 | Transport | 33933 | 48470.9 | 69188.78 | 34089.87 | 409860.72 | 28820.84 | 0 | 4963.32 | 0 | 629327.4299999999 1200 | Immobilier résidentiel / Avance Hypothécaire | 869208 | 189850.58 | 66854.53 | 178457.55 | 929993.53 | 585314.44 | 1645143.52 | 0 | 812137 | 5276959.15 1300 | Immobilier commercial | 468197 | 97936.57 | 114213.47 | 900045.86 | 3853906.06 | 3133.02 | 1064749.53 | 963.26 | 42815 | 6545959.77 1400 | Télécommunications | 542564 | 0 | 8197.99 | 136136.02 | 844196.86 | 4074.94 | 0 | 62506.01 | 363245 | 1960920.82 1500 | Services financiers | 8493 | 25282.49 | 8840.21 | 1402910.68 | 765117.27 | 669708.78 | 0 | 11898.79 | 473163 | 3365414.2199999997 1510 | Services professionnels | 338333 | 23890.68 | 68083.18 | 179492.06 | 136553.76 | 137764.47 | 0 | 762.99 | 27342 | 912222.1399999999 1520 | Services médicaux | 253747 | 300.91 | 0 | 6471.14 | 40884.01 | 15755.38 | 0 | 0 | 1332 | 318490.44 1530 | Services d'agence ou de représentation | 1778 | 0 | 4310.86 | 136074.52 | 31972.92 | 55.66 | 0 | 1239.06 | 1025 | 176456.02 1540 | Services d'enseignement | 25160 | 0 | 5353.79 | 148456.7 | 7732.17 | 11118.63 | 0 | 0 | 5808 | 203629.29000000004 1550 | Autres services | 209898 | 36813.36 | 1571.65 | 1226710.59 | 139130.52 | 448818.59 | 0 | 46900.72 | 22501 | 2132344.43 1560 | Crédit à la consommation | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8 Total | 9954558 | 1564916.07 | 1585365.62 | 21793833.06 | 21851694.200000007 | 4963954.539999999 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.90999998 (1) Commerce de gros Import-export | 2255 | 45618.32 | 120923.07 | 793915.62 | 1357676.34 | 179046 | 0 | 0 | 4404 | 2503838.35 Produits pétroliers | 396024 | 0 | 0 | 135295.42 | 38403.14 | 5273 | 0 | 0 | 0 | 574995.56 Produits pharmaceutiques | 0 | 0 | 0 | 120997.87 | 90309.45 | 31203 | 0 | 0 | 0 | 242510.32 Produits alimentaires | 472462 | 16421.86 | 51106.64 | 1775401.72 | 649563.27 | 229806 | 0 | 112290.95 | 3411 | 3310463.44 Matériaux de construction | 0 | 0 | 0 | 0 | 625849.12 | 99431 | 0 | 0 | 0 | 725280.12 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 64950 | 67646.3 | 87625.54 | 1117524.47 | 373326.96 | 14373 | 0 | 195688.25 | 13032 | 1934166.52 S-Total | 935691 | 129686.48000000001 | 259655.25 | 3943135.0999999996 | 3135128.2800000003 | 559132 | - | 307979.2 | 20847 | 9291254.31 (2) Commerce de détail Produits pétroliers | 27397 | 6556.48 | 822.42 | 147107.45 | 87080.24 | 33911 | 0 | 30329.42 | 0 | 333204.01 Produits pharmaceutiques | 0 | 0 | 0 | 11635.18 | 13796.9 | 19704 | 0 | 0 | 1697 | 46833.08 Véhicules automobiles | 17731 | 0 | 0 | 848425.1 | 1219219.99 | 83261 | 0 | 5871.77 | 0 | 2174508.86 Produits alimentaires | 13105 | 176.88 | 36829.92 | 667629.58 | 571416.2 | 161709 | 0 | 0 | 5350 | 1456216.58 Librairie ,papeterie | 1800 | 1788.25 | 0 | 59160.42 | 18301.19 | 8235 | 0 | 0 | 0 | 89284.86 Appareils électro- ménagers électroni.équip. inform. | 13328 | 0 | 6136.44 | 366204.2 | 155242.65 | 174159 | 0 | 3135.23 | 0 | 718205.52 Matériaux de construction | 0 | 0 | 0 | 0 | 305851.45 | 761 | 0 | 37723.06 | 0 | 344335.51 Autres | 237887 | 397380.22 | 79480.6 | 667656.35 | 762736.55 | 92902 | 0 | 105135.22 | 2777 | 2345954.94 S-Total | 311248 | 405901.82999999996 | 123269.38 | 2767818.2800000003 | 3133645.17 | 574642 | - | 182194.7 | 9824 | 7508543.359999999 [Secteur d'activité mars 14 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294738 | 0 | 0 | 0 | 0 | 0.001561314586242175 200 | Industrie alimentaire | 0.017555073766208403 | 0.013900528224494493 | 0.011662533718878047 | 0.016506262987773846 | 0.04913549311888136 | 0.05099138156087949 | - | 0.23643959354978028 | 0.053085679821844436 | 0.035111955457258065 210 | Industrie des boissons | 0.0003944926535161079 | 0 | 0.00596973964907855 | 0.031607150431205516 | 0.05238568229643263 | 0.022162356466705276 | - | 0.2239640462433865 | 0.023636365923282672 | 0.03428231246227749 220 | Industrie du bois | 0.0004970587343004079 | 0 | 0.005563959435426636 | 0.00013077277375455864 | 0 | 0 | - | 0 | 0 | 0.00023945248457090724 230 | Industrie chimique | 0 | 0 | 0.00030748112224106386 | 0.024003973443302132 | 0.0043939645649992655 | 0.013821037128192559 | - | 0 | 0 | 0.009915851759132177 240 | Industrie du textile | 0.02149758934550384 | 0 | 0 | 0.028602046656220466 | 0.011030068780662322 | 0.007182666503629988 | - | 0 | 0.0024998883697646204 | 0.01616474133730416 250 | Industrie pharmacie | 0 | 0 | 0.005999707499649197 | 0 | 0.0029914101580279288 | 0 | - | 0 | 0 | 0.0010814035505451098 260 | Imprimerie, édition | 0.00574309778495439 | 0 | 0.0025230205257005633 | 0.006429716131816604 | 0.005351138402806313 | 0.009516942514143171 | - | 0 | 0.0014263514019185308 | 0.005330829858236748 270 | Sidérurgie, aciérie | 0.046021330128369335 | 0 | 0.010735668659195471 | 0.02805246687523264 | 0.021056568236251443 | 0.013089362417891928 | - | 0.12446423705129814 | 0.015601190135534829 | 0.026715133089499604 280 | Industrie de la fabrication | 0.0074330773902768965 | 0 | 0 | 0.03629316365883919 | 0.02484667115650922 | 0.017405904768821676 | - | 0 | 0.0040196318277611505 | 0.021713159921838074 290 | Autres industries | 0 | 0 | 0 | 0.003750194368057622 | 0.005424211455421153 | 0.0077720212159718945 | - | 0 | 0.0007505954136639182 | 0.00347543595239254 300 | Production et distribution de l'électricité | 0.22171562012095364 | 0 | 0.23244617856668293 | 0.04116130776675776 | 0.00016410581107253455 | 0.0004157028400183537 | - | 0.00023344786579115203 | 0 | 0.05011844448352675 400 | Production et distribution de gaz | 0 | 0.001255850098082257 | 0.0038652850312220093 | 0 | 0.11393605444103273 | 0.018523368668883905 | - | 0.0007254498167004211 | 0 | 0.037339213057717056 500 | Traitement et distribution de l'eau | 0 | 0.0026750635898320093 | 0 | 0.012034855882299762 | 0.0028026284570648982 | 0 | - | 0 | 0 | 0.004721497429645251 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.12912896983670186 | 0.08176943435924894 | 0.11227373694492272 | 0.029265496951719185 | 0.056984556913367714 | - | 0 | 0.143346743635976 | 0.059888809048870534 700 | Commerce de gros(1) | 0.09399613724687726 | 0.08287120471579028 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300769017712 | 0.1126385214639778 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386251932763102 800 | Commerce de détail(2) | 0.03126698342608481 | 0.2593761018761856 | 0.07775454345982348 | 0.12700006751359416 | 0.14340513560728846 | 0.11576316127987749 | - | 0.1174684154702254 | 0.003089170232021086 | 0.1081783821515647 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0007683917256798343 | 0.0017841276305635995 | 0.003222007551797421 | 0.0005364765329628527 | 0.001047810745951222 | 0.003085576202718408 | - | 0 | 0.0017738201627474496 | 0.001024292597005373 1000 | Hotels,motels et pensions | 0.0153901358553539 | 0 | 0.011910653140062417 | 0.048470886103043315 | 0.0025917958343019453 | 0.11272430186276447 | - | 0 | 0 | 0.026576474556246676 1100 | Transport | 0.003408790224538347 | 0.030973482175309246 | 0.043642159970644495 | 0.001564197996109639 | 0.01875647335390589 | 0.005806024162340537 | - | 0.0032000565102699424 | 0 | 0.009066952307388729 1200 | Immobilier résidentiel | 0.08731758858605274 | 0.12131678090570057 | 0.042169786676716246 | 0.0081884425520143 | 0.042559332996706487 | 0.11791293318330834 | 0.5551440660288318 | 0 | 0.2553775900572993 | 0.07602709600801696 1300 | Immobilier commercial | 0.047033429309468085 | 0.06258263422395553 | 0.07204235323331913 | 0.04129819006698402 | 0.17636646498558445 | 0.000631154047595287 | 0.35929350612917205 | 0.0006210533340753014 | 0.013463235289493362 | 0.09431005580143756 1400 | Télécommunications | 0.05450407742865128 | 0 | 0.005171040608285677 | 0.006246538625179319 | 0.03863301638186021 | 0.0008209059867820629 | - | 0.040300195077387344 | 0.11422288690253454 | 0.028251709215194386 1500 | Services financiers | 0.0008531770069550049 | 0.016155812113297554 | 0.00557613328337472 | 0.06437191090423082 | 0.03501409378134167 | 0.13491436607717205 | - | 0.0076716392261298675 | 0.14878675228967764 | 0.0484867634441865 1510 | Services professionnels | 0.03398774712046482 | 0.015266428952959758 | 0.04294478140632316 | 0.008235910567262096 | 0.006249115457601451 | 0.027752967697403617 | - | 0.0004919310293857466 | 0.0085977292837867 | 0.013142720693302823 1520 | Services médicaux | 0.025490534084989008 | 0.00019228507251510302 | 0 | 0.0002969252807518753 | 0.0018709766677953963 | 0.0031739573505441495 | - | 0 | 0.0004188492211982987 | 0.004588609191624226 1530 | Services d'agence ou de représentation | 0.00017861164704650875 | 0 | 0.002719158246915938 | 0.00624371672598285 | 0.0014631780816335965 | 0 | - | 0.0007988729357798962 | 0.00032231265144763976 | 0.00254226693677031 1540 | Services d'enseignement | 0.0025274853991508212 | 0 | 0.0033770064977188033 | 0.00681186735675583 | 0.0003538476206572577 | 0.002239873453796779 | - | 0 | 0.00182633354108087 | 0.0029337622560285177 1550 | Autres services | 0.021085617261961807 | 0.023524175325262013 | 0.0009913486076479948 | 0.05628705086538825 | 0.006367035833770726 | 0.09041553188760672 | - | 0.030238822879110696 | 0.007075470214852041 | 0.030721472365722254 1560 | Crédit à la consommation | 0.26133395375264273 | 0.2389965552593501 | 0.16385345230332418 | 0.10251982218312909 | 0.05422179118724806 | 0.05420772044378956 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882361 Total | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999999 | 0.9999627711198041 | 0.9999999999999993 | 0.9999522960981834 | 1 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0002265293948761964 | 0.029150649593623252 | 0.076274563087851 | 0.03642845284784429 | 0.0621313994042622 | 0.036069226371279385 | - | 0 | 0.00138484382143942 | 0.03607372223527725 Produits pétroliers | 0.039783182739002575 | 0 | 0 | 0.006207968081040262 | 0.0017574445097259318 | 0.0010622579150372318 | - | 0 | 0 | 0.00828417302497092 Produits pharmaceutiques | 0 | 0 | 0 | 0.005551931579308886 | 0.0041328351556374964 | 0.0062859157449093005 | - | 0 | 0 | 0.00349393559007841 Produits alimentaires | 0.04746187625809202 | 0.010493764052151373 | 0.032236500751164264 | 0.08146349084680013 | 0.029725991223142772 | 0.04629494451413732 | - | 0.07239859319808044 | 0.0010725936137442919 | 0.04769506729721606 Matériaux de construction | 0 | 0 | 0 | 0 | 0.02864075958009699 | 0.020030602455920157 | - | 0 | 0 | 0.010449378088505016 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.006524649311400868 | 0.04322679107001566 | 0.05527150260770761 | 0.05127709599882564 | 0.017084577359681333 | 0.0028954737365503758 | - | 0.126168262049562 | 0.004097930218210382 | 0.027866250151193997 S-Total | 0.09399623770337166 | 0.08287120471579029 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300723254672 | 0.11263842073783377 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386252638724166 (2) Commerce de détail Produits pétroliers | 0.002752206577127784 | 0.004189668778850229 | 0.0005187573072260769 | 0.00674995764145768 | 0.0039850566826987715 | 0.00683144854102552 | - | 0.019554624308670686 | 0 | 0.004800593019281993 Produits pharmaceutiques | 0 | 0 | 0 | 0.0005338748795573274 | 0.0006313881145197426 | 0.003969415884296153 | - | 0 | 0.000533623970250385 | 0.0006747414501988591 Véhicules automobiles | 0.0017811941022393963 | 0 | 0 | 0.038929595251290784 | 0.055795215640533705 | 0.016773118957692956 | - | 0.0037857715833973515 | 0 | 0.0313289508541114 Produits alimentaires | 0.0013164823591363876 | 0.00011302842586311992 | 0.023231183731611385 | 0.03063387602180706 | 0.026149743574573718 | 0.032576648052864726 | - | 0 | 0.0016823148148730465 | 0.020980249152795907 Librairie ,papeterie | 0.0001808216899233497 | 0.0011427130401951843 | 0 | 0.0027145486448908315 | 0.0008375181270841687 | 0.0016589595923253563 | - | 0 | 0 | 0.0012863598959795533 Appareils électro- ménagers électroni.équip. inform. | 0.0013388841573880026 | 0 | 0.0038706781089399424 | 0.01680311118249889 | 0.007104375916078852 | 0.035084729039440404 | - | 0.0020214117108495184 | 0 | 0.010347451718008417 Matériaux de construction | 0 | 0 | 0 | 0 | 0.013996692759868474 | 0.00015330519122763766 | - | 0.02432160806482428 | 0 | 0.004960968643795448 Autres | 0.023897294083775493 | 0.253930691631277 | 0.05013392431204607 | 0.03063510435093697 | 0.03490514479193105 | 0.018715320467056498 | - | 0.06778499980248355 | 0.0008732314468976542 | 0.03379903773821361 S-Total | 0.03126688296959042 | 0.25937610187618554 | 0.07775454345982348 | 0.12700006797243954 | 0.14340513560728846 | 0.11576294572592925 | - | 0.11746841547022538 | 0.0030891702320210855 | 0.10817835247238519 [Secteur d'activité mars 14g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1246939 | 535588.31 | 382924.63 | 6710953.37 | 6268773.46 | 1133775.5699999998 | 0 | 490173.9 | 30671 | 16799799.240000002 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 998260 | 89079.45 | 112150.48999999998 | 4168173.9699999997 | 1200922.22 | 1858096.48 | 0 | 60801.56 | 536812 | 9024296.17 Industries Manufacturières ( 200 à 290 ) | 986912 | 21753.16 | 67793.57999999999 | 3822109.76 | 3859341.519999999 | 704773.1499999999 | 0 | 907135.99 | 321257 | 10691076.16 Prêts aux Particuliers ( 1560 ) | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1337405 | 287787.15 | 181068 | 1078503.41 | 4783899.59 | 588447.46 | 2709893.05 | 963.26 | 854952 | 11822918.92 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 576497 | 48470.9 | 77386.77 | 170225.88999999998 | 1254057.58 | 32895.78 | 0 | 67469.33 | 363245 | 2590248.25 Bâtiments et Travaux Publics ( 600 ) | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97 Électricité, Gaz et Eau ( 300 à 500 ) | 2207081 | 6151.55 | 374640.07 | 1160159.67 | 2554523.99 | 94012.69 | 0 | 1487.26 | 0 | 6398056.2299999995 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17 Total | 9954558 | 1564916.07 | 1585365.6199999999 | 21793833.06 | 21851694.199999996 | 4963954.540000001 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.91000001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12526312067296208 | 0.3422473065919759 | 0.24153710990654637 | 0.30792900686741337 | 0.28687814329746575 | 0.2284016827438552 | 0 | 0.31603527071786786 | 0.00964453788541518 | 0.2420409014791956 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1002817001016017 | 0.05692282909459802 | 0.07074108873384045 | 0.19125474433637787 | 0.05495785402305329 | 0.37431778736636045 | 0 | 0.0392012660704062 | 0.16880126736479062 | 0.13001636204088662 Industries Manufacturières ( 200 à 290 ) | 0.09914171980312939 | 0.013900528224494493 | 0.042762110610169525 | 0.17537574732620256 | 0.17661520816999168 | 0.14197816364369842 | 0 | 0.5848678768444648 | 0.10101970289377016 | 0.15403027587305482 Prêts aux Particuliers ( 1560 ) | 0.26133395375264273 | 0.2389965552593501 | 0.1638534523033242 | 0.10251982218312909 | 0.05422179118724809 | 0.05420772044378954 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882356 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1343510178955208 | 0.18389941512965613 | 0.1142121399100354 | 0.04948663261899832 | 0.21892579798229103 | 0.11854408723090358 | 0.9144375721580038 | 0.0006210533340753014 | 0.2688408253467927 | 0.17033715180945444 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05791286765318963 | 0.030973482175309246 | 0.04881320057893018 | 0.007810736621288958 | 0.05738948973576613 | 0.006626930149122597 | 0 | 0.04350025158765728 | 0.11422288690253454 | 0.0373186615225831 Bâtiments et Travaux Publics ( 600 ) | 0 | 0.12912896983670186 | 0.08176943435924895 | 0.11227373694492272 | 0.0292654969517192 | 0.05698455691336769 | 0 | 0 | 0.143346743635976 | 0.059888809048870506 Électricité, Gaz et Eau ( 300 à 500 ) | 0.22171562012095364 | 0.003930913687914266 | 0.23631146359790497 | 0.05323339252925341 | 0.11690278870917023 | 0.018939071508902252 | 0 | 0.0009588976824915731 | 0 | 0.09217915497088901 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294741 | 0 | 0 | 0 | 0 | 0.0015613145862421744 Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999998 | 1 | 0.9999999999999998 | 1 | 0.9999999999999998 [Secteur d'activité déc. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2337.11 | 105841.22 | 0 | 0 | 0 | 0 | 108178.33 200 | Industrie alimentaire | 138568 | 21966.42 | 4225.95 | 296603.87 | 1086374.63 | 199451.56 | 0 | 363000.18 | 154449 | 2264639.61 210 | Industrie des boissons | 3840 | 0 | 9464.22 | 664886.27 | 1037245.67 | 110000.66 | 0 | 318271.72 | 77729 | 2221437.54 220 | Industrie du bois | 6723 | 0 | 10206.39 | 2975.48 | 0 | 0.13 | 0 | 0 | 0 | 19905 230 | Industrie chimique | 0 | 0 | 0 | 553729.18 | 90063.31 | 67416.02 | 0 | 0 | 0 | 711208.51 240 | Industrie du textile | 218286 | 0 | 0 | 589336.61 | 252938.44 | 65250.35 | 0 | 0 | 6510 | 1132321.4000000001 250 | Industrie pharmacie | 0 | 0 | 9102.35 | 0 | 61120.48 | 215.11 | 0 | 0 | 0 | 70437.94 260 | Imprimerie, édition | 13011 | 0 | 0 | 146228.9 | 53376.12 | 33209.67 | 0 | 0 | 4272 | 250097.69 270 | Sidérurgie, aciérie | 458554 | 23.68 | 17301.04 | 653387.58 | 47117.08 | 64975 | 0 | 168770.61 | 35731 | 1445859.9899999998 280 | Industrie de la fabrication | 75439 | 3293.31 | 0 | 664199.83 | 542140.56 | 88983.02 | 0 | 0 | 8484 | 1382539.72 290 | Autres industries | 0 | 0 | 0 | 49296.57 | 109349.41 | 43625.74 | 0 | 0 | 1289 | 203560.72 300 | Production et distribution de l'électricité | 2553161 | 0 | 389577.04 | 871975.87 | 90644.01 | 2166.29 | 0 | 66754.06 | 0 | 3974278.27 400 | Production et distribution de gaz | 0 | 8155.65 | 753.51 | 0 | 1736492.91 | 92211.32 | 0 | 1635.41 | 0 | 1839248.7999999998 500 | Traitement et distribution de l'eau | 0 | 5647.77 | 0 | 267259.81 | 59555.34 | 0.001 | 0 | 0 | 0 | 332462.92100000003 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 172905.3 | 174540.89 | 1835512.96 | 883789.31 | 305966.39 | 0 | 0 | 438017 | 3841680.85 700 | Commerce de gros(1) | 964590 | 130518.81 | 151178.41 | 4121138.55 | 3050500.63 | 478462.32 | 0 | 449593.94 | 41247 | 9387229.659999998 800 | Commerce de détail(2) | 292858 | 422577.28 | 89004.88 | 2375882.06 | 2986472.21 | 569487.22 | 0 | 200621.13 | 14434 | 6951336.779999999 900 | Rest/débits/boissons, casinos/activités/loterie | 1497 | 2528.58 | 4596.03 | 11461.33 | 18938.12 | 14603.17 | 0 | 0 | 7020 | 60644.229999999996 1000 | Hotels,motels et pensions | 103193 | 0 | 5543.13 | 1021737.87 | 87527.57 | 556356.58 | 0 | 0 | 0 | 1774358.15 1100 | Transport | 38735 | 48275.11 | 55227.54 | 29793.11 | 385926.99 | 37218.26 | 0 | 4996.96 | 0 | 600172.97 1200 | Immobilier résidentiel / Avance Hypothécaire | 794273 | 195138.11 | 60240.26 | 185987.61 | 844864.93 | 626782.63 | 1538922.2 | 0 | 827601 | 5073809.74 1300 | Immobilier commercial | 414904 | 114267.17 | 109404.51 | 902493.58 | 3793965.71 | 4060.81 | 981326.08 | 12336.45 | 35442 | 6368200.31 1400 | Télécommunications | 564784 | 0 | 7402.01 | 126107.51 | 925022.03 | 4382.9 | 0 | 55945.02 | 359574 | 2043217.47 1500 | Services financiers | 7763 | 0 | 0 | 1751489.13 | 1486354.83 | 701446.12 | 0 | 17400.04 | 327984 | 4292437.12 1510 | Services professionnels | 343027 | 22641.24 | 35146.64 | 57627.63 | 207532.01 | 150079.82 | 0 | 0 | 26669 | 842723.3400000001 1520 | Services médicaux | 297588 | 1362.41 | 0 | 2682.65 | 40501.36 | 17679.5 | 0 | 0 | 1462 | 361275.92 1530 | Services d'agence ou de représentation | 1431 | 0 | 4323.96 | 119439.65 | 28013.88 | 234.32 | 0 | 464.09 | 783 | 154689.9 1540 | Services d'enseignement | 27316 | 0 | 1715.12 | 143414.84 | 8127.87 | 11158.97 | 0 | 0 | 5165 | 196897.8 1550 | Autres services | 39311 | 38083.63 | 1604.76 | 2076491.11 | 83534.97 | 339705.48 | 0 | 49418.95 | 21365 | 2649514.9000000004 1560 | Crédit à la consommation | 2604337 | 332756.51 | 171784.87 | 2241605.93 | 666480.38 | 260257.66 | 239285.55 | 25582.19 | 601358 | 7143448.090000001 Total | 9994138 | 1520140.9799999997 | 1312343.5100000002 | 21765082.599999994 | 20769811.980000004 | 4845387.021 | 2759533.8299999996 | 1734790.7499999998 | 2996585 | 67697813.671 (1) Commerce de gros Import-export | 6051 | 9156 | 17990.23 | 787478.51 | 1359135.38 | 177673 | 0 | 0 | 24578 | 2382062.12 Produits pétroliers | 428216 | 0 | 0 | 293608.09 | 8607.64 | 13149 | 0 | 0 | 0 | 743580.7300000001 Produits pharmaceutiques | 0 | 0 | 0 | 101070.65 | 82200.3 | 55756 | 0 | 0 | 0 | 239026.95 Produits alimentaires | 466939 | 43794.41 | 46774.6 | 1753837.75 | 693007.09 | 146674 | 0 | 92670.67 | 3637 | 3247334.5199999996 Matériaux de construction | 0 | 0 | 0 | 0 | 725422.96 | 70100 | 0 | 0 | 0 | 795522.96 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 63384 | 77568.42 | 43660.32 | 1185143.55 | 182127.26 | 15109 | 0 | 356923.27 | 13032 | 1936947.82 S-Total | 964590 | 130518.83 | 108425.15 | 4121138.55 | 3050500.63 | 478461 | - | 449593.94 | 41247 | 9344475.1 (2) Commerce de détail Produits pétroliers | 21988 | 6556.48 | 0 | 122447.12 | 79413.5 | 35356 | 0 | 43219.97 | 0 | 308981.06999999995 Produits pharmaceutiques | 0 | 0 | 5794.22 | 8872.96 | 13584.14 | 8027 | 0 | 0 | 2009 | 38287.32 Véhicules automobiles | 18942 | 0 | 0 | 716569.97 | 1187586.97 | 105766 | 0 | 18586.16 | 1220 | 2048671.0999999999 Produits alimentaires | 11453 | 176.88 | 0 | 611977.01 | 578848.81 | 147383 | 0 | 0 | 6312 | 1356150.7000000002 Librairie ,papeterie | 1828 | 1755.28 | 22455.93 | 62313.62 | 21055.09 | 8830 | 0 | 0 | 0 | 118237.92 Appareils électro- ménagers électroni.équip. inform. | 13317 | 0 | 0 | 355502.98 | 164595.63 | 169611 | 0 | 3016.7 | 0 | 706043.3099999999 Matériaux de construction | 0 | 0 | 0 | 0 | 260397.95 | 601 | 0 | 35113.4 | 0 | 296112.35000000003 Autres | 225330 | 414088.64 | 60754.73 | 498198.41 | 680990.12 | 93912 | 0 | 100684.8 | 4893 | 2078851.7 S-Total | 292858 | 422577.28 | 89004.88 | 2375882.0700000003 | 2986472.2100000004 | 569486 | - | 200621.03000000003 | 14434 | 6951335.47 [Secteur d'activité déc. 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.0001073788711465768 | 0.005095916135491178 | 0 | 0 | 0 | 0 | 0.0015979589906068238 200 | Industrie alimentaire | 0.013864927620571179 | 0.01445025184440459 | 0.0032201553692295082 | 0.01362750950460441 | 0.05230546290193233 | 0.04116318451664916 | - | 0.20924724206651438 | 0.05154167160284123 | 0.033452182385176686 210 | Industrie des boissons | 0.00038422523283148584 | 0 | 0.007211694139440669 | 0.030548299871832336 | 0.04994006065143012 | 0.02270214113408383 | - | 0.18346404025961058 | 0.025939194115968678 | 0.032814021894352646 220 | Industrie du bois | 0.0006726943334182498 | 0 | 0.007777224425028777 | 0.0001367088769973242 | 0 | 0 | - | 0 | 0 | 0.00029402722068300397 230 | Industrie chimique | 0 | 0 | 0 | 0.0254411706206895 | 0.004336260245722262 | 0.013913443798775555 | - | 0 | 0 | 0.010505634841567467 240 | Industrie du textile | 0.021841403430691072 | 0 | 0 | 0.0270771593579893 | 0.012178176684678873 | 0.013466488789688778 | - | 0 | 0.0021724729984298795 | 0.01672611475317197 250 | Industrie pharmacie | 0 | 0 | 0.006935950786238885 | 0 | 0.002942755575199963 | 0 | - | 0 | 0 | 0.0010404758467136997 260 | Imprimerie, édition | 0.0013018631521798077 | 0 | 0 | 0.006718508846826064 | 0.0025698894169768017 | 0.006853873561816354 | - | 0 | 0.001425622833992695 | 0.0036943244757568204 270 | Sidérurgie, aciérie | 0.04588229620203363 | 0 | 0.013183316615022539 | 0.03001999082695878 | 0.0022685366649139974 | 0.013409661543731617 | - | 0.09728585998051927 | 0.01192390671380922 | 0.021357558118887506 280 | Industrie de la fabrication | 0.007548324828014182 | 0.0021664503775169594 | 0 | 0.030516761282587557 | 0.026102333546497512 | 0.018364481436538693 | - | 0 | 0.002831222875373133 | 0.02042222111808382 290 | Autres industries | 0 | 0 | 0 | 0.002264938337518646 | 0.005264824260580523 | 0.009003561492802372 | - | 0 | 0.0004301563279533202 | 0.003006902423603676 300 | Production et distribution de l'électricité | 0.25546585408366385 | 0 | 0.2968559961865472 | 0.040063062751712245 | 0.004364219092945298 | 0.00044708296584179094 | - | 0.038479603375796194 | 0 | 0.05870615392860875 400 | Production et distribution de gaz | 0 | 0.0053650616010628175 | 0.0005741713158622622 | 0 | 0.08360657822382461 | 0.0190307440046284 | - | 0.0009427131197235173 | 0 | 0.02716851106800051 500 | Traitement et distribution de l'eau | 0 | 0.003715293564416638 | 0 | 0.01227929224582865 | 0.002867399091399959 | 0 | - | 0 | 0 | 0.004910984608981819 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030967152945056394 | 0.1137429371846814 | 0.13299939281903408 | 0.08433291955436918 | 0.0425516278554198 | 0.0631459135614835 | - | 0 | 0.14617205919404921 | 0.0567474877205034 700 | Commerce de gros(1) | 0.09651557743149033 | 0.08585967467306882 | 0.11519728550339688 | 0.18934633172492535 | 0.14687184616487794 | 0.09874594494234107 | - | 0.25916321031801676 | 0.013764668781296042 | 0.1386637049406109 800 | Commerce de détail(2) | 0.029302977405355018 | 0.27798558525802003 | 0.06782132827402788 | 0.10916025928612835 | 0.14378908258176729 | 0.1175318333771547 | - | 0.11564572269018614 | 0.0048168164760886145 | 0.1026818504624437 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00014978780561164954 | 0.0016633851947074015 | 0.0035021547064304826 | 0.000526592534043496 | 0.0009118098911167897 | 0.0030138294292508696 | - | 0 | 0.0023426667356340634 | 0.0008958078069510599 1000 | Hotels,motels et pensions | 0.0103253527217655 | 0 | 0.004223840753401523 | 0.04694390041046756 | 0.004214172477068326 | 0.11482190743252085 | - | 0 | 0 | 0.026209977158539895 1100 | Transport | 0.00387577197753323 | 0.031756995328157005 | 0.042083143307501854 | 0.0013688489286964622 | 0.018581149909860664 | 0.007681173833729969 | - | 0.0028804396149795016 | 0 | 0.00886547049978216 1200 | Immobilier résidentiel | 0.07947388759290697 | 0.12836842935449316 | 0.04590281396674868 | 0.008545228769313287 | 0.04067754348539846 | 0.1293565668301649 | 0.5576746997154951 | 0 | 0.27618138647827445 | 0.07494791138540843 1300 | Immobilier commercial | 0.041514735938206974 | 0.0751687978308433 | 0.08336575688174812 | 0.041465203536604094 | 0.18266731127144267 | 0.0008380775327957027 | 0.3556129913435416 | 0.0071112034693521405 | 0.011827463596060182 | 0.09406803506163999 1400 | Télécommunications | 0.05651152705716091 | 0 | 0.005640299162221634 | 0.005794028551033389 | 0.044536851411593754 | 0.000904551067026107 | - | 0.03224885767923307 | 0.11999459384599469 | 0.0301814395355468 1500 | Services financiers | 0.0007767553339767772 | 0 | 0 | 0.08047243202284013 | 0.07156322991422669 | 0.14476575698905353 | - | 0.01003005117475984 | 0.10945259353564141 | 0.06340584558403205 1510 | Services professionnels | 0.03432282003710575 | 0.01489417119720041 | 0.026781585562152085 | 0.0026477101446883556 | 0.009992002344548907 | 0.030973752839463846 | - | 0 | 0.008899797602938011 | 0.0124483095435769 1520 | Services médicaux | 0.029776254840587553 | 0.0008962392422313359 | 0 | 0.00012325475851858247 | 0.0019500109119427855 | 0.003648728145631445 | - | 0 | 0.0004878887133186611 | 0.0053365965665559045 1530 | Services d'agence ou de représentation | 0.00014318393442235838 | 0 | 0.0032948385594561286 | 0.005487672718503721 | 0.001348778699921577 | 4.8359398121234204e-05 | - | 0.00026751929591508375 | 0.00026129744358995325 | 0.002285005846005115 1540 | Services d'enseignement | 0.0027332022031314757 | 0 | 0.001306913919207022 | 0.0065892164360543265 | 0.0003913309377969631 | 0.0023030090169550567 | - | 0 | 0.0017236287307051193 | 0.002908480929042852 1550 | Autres services | 0.003933405762457953 | 0.0250526960992789 | 0.0012228200831350929 | 0.09540469697091802 | 0.004021941560204725 | 0.07010904980917107 | - | 0.02848698034618873 | 0.007129782736014496 | 0.03913737765411742 1560 | Crédit à la consommation | 0.2605864557803785 | 0.21889845374736233 | 0.13089931766416857 | 0.10299092225820455 | 0.032088898091219016 | 0.053712460712021216 | 0.08671230894096342 | 0.014746556609204887 | 0.20068110866202693 | 0.10551962763104815 Total | 1 | 0.999984422497445 | 0.9999999999999998 | 1.0000000000000004 | 0.9999999999999999 | 0.9999555781614414 | 1 | 1 | 0.9999999999999998 | 0.9999999999999999 (1) Commerce de gros Import-export | 0.0006054549176727397 | 0.006023125565630104 | 0.013708476372927691 | 0.03618081881297341 | 0.06543802039752503 | 0.03666848473196503 | - | 0 | 0.008202003280400856 | 0.03518669201898338 Produits pétroliers | 0.04284671674535613 | 0 | 0 | 0.01348986794104793 | 0.0004144303284155198 | 0.0027137151156371997 | - | 0 | 0 | 0.01098382192390551 Produits pharmaceutiques | 0 | 0 | 0 | 0.004643706245341795 | 0.003957681469584492 | 0.01150702714940054 | - | 0 | 0 | 0.003530792754425288 Produits alimentaires | 0.04672128801903676 | 0.02880943976656692 | 0.03564204009360323 | 0.08058033972267123 | 0.03336607431339876 | 0.030270853363067198 | - | 0.05341893251390694 | 0.0012137149455129757 | 0.04796808558370141 Matériaux de construction | 0 | 0 | 0 | 0 | 0.034926794748962375 | 0.01446736859123642 | - | 0 | 0 | 0.011751087913504975 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.006342117749424713 | 0.051027122497546255 | 0.0332689723897061 | 0.054451599002891 | 0.008768844906991785 | 0.0031182235669756217 | - | 0.20574427780410984 | 0.00434895055538221 | 0.028611674660768825 S-Total | 0.09651557743149035 | 0.08585968782974328 | 0.08261948885623702 | 0.18934633172492538 | 0.14687184616487794 | 0.09874567251828201 | - | 0.25916321031801676 | 0.013764668781296042 | 0.13803215485528939 (2) Commerce de détail Produits pétroliers | 0.002200089692577789 | 0.0043130736466298015 | 0 | 0.005625851380871857 | 0.003823505965122366 | 0.007296837145674107 | - | 0.024913650248596268 | 0 | 0.004564121841535327 Produits pharmaceutiques | 0 | 0 | 0.004415170232373077 | 0.0004076694843326715 | 0.0006540328825836582 | 0.0016566272137211804 | - | 0 | 0.0006704298393004036 | 0.0005655621344888616 Véhicules automobiles | 0.0018953110313265637 | 0 | 0 | 0.03292291525693544 | 0.05717851327414856 | 0.021828184114418135 | - | 0.010713776286851889 | 0.0004071301164492247 | 0.030261997971695175 Produits alimentaires | 0.0011459717686507832 | 0.00011635762888255273 | 0 | 0.028117375947840428 | 0.027869718346867765 | 0.030417178103882985 | - | 0 | 0.0021063977828094313 | 0.020032415028802326 Librairie ,papeterie | 0.00018290722021248857 | 0.0011546823768937538 | 0.0171113201908546 | 0.002863008661405219 | 0.0010137352240008094 | 0.0018223518496521768 | - | 0 | 0 | 0.0017465544836442787 Appareils électro- ménagers électroni.équip. inform. | 0.0013324811004210668 | 0 | 0 | 0.016333637989501593 | 0.007924753009728495 | 0.03500463415304138 | - | 0.0017389417138637614 | 0 | 0.010429336956600279 Matériaux de construction | 0 | 0 | 0 | 0 | 0.012537328226694903 | 0.00012403549961958758 | - | 0.020240712028237413 | 0 | 0.004374031212278971 Autres | 0.022546216592166327 | 0.2724014716056139 | 0.0462948378508002 | 0.02288980102469265 | 0.03278749565262073 | 0.01938173351127239 | - | 0.05803858476879705 | 0.0016328587375295544 | 0.03070781148269972 S-Total | 0.02930297740535502 | 0.27798558525802003 | 0.06782132827402787 | 0.10916025974557986 | 0.14378908258176729 | 0.11753158159128194 | - | 0.11564566504634638 | 0.0048168164760886145 | 0.10268183111174493 [Secteur d'activité sept. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2583.17 | 104065.61 | 0 | 0 | 0 | 0 | 106648.78 200 | Industrie alimentaire | 223727 | 22251.14 | 19.41 | 215321.66 | 1040692.7 | 215246.84 | 0 | 300727.12 | 142758 | 2160743.87 210 | Industrie des boissons | 3827 | 0 | 9540.07 | 665004.44 | 1032914.31 | 90512.49 | 0 | 182388.78 | 80292 | 2064479.0899999999 220 | Industrie du bois | 14454 | 0 | 656.88 | 5924.5 | 0 | 0 | 0 | 0 | 0 | 21035.379999999997 230 | Industrie chimique | 0 | 0 | 0 | 459982.92 | 89144.19 | 58668.18 | 0 | 652.77 | 0 | 608448.06 240 | Industrie du textile | 223934 | 0 | 0 | 591490.53 | 259885.86 | 26872.78 | 0 | 0 | 6207 | 1108390.1700000002 250 | Industrie pharmacie | 0 | 0 | 8945.97 | 0 | 58759.42 | 368.16 | 0 | 0 | 0 | 68073.55 260 | Imprimerie, édition | 35094 | 0 | 0 | 267201.37 | 81969.63 | 56244.05 | 0 | 0 | 4488 | 444997.05 270 | Sidérurgie, aciérie | 458981 | 0 | 16078.28 | 693142.16 | 492235.84 | 64975 | 0 | 116469.54 | 20057 | 1861938.82 280 | Industrie de la fabrication | 5318 | 800.87 | 0 | 578525.78 | 532320.65 | 120897.77 | 0 | 0 | 6998 | 1244861.07 290 | Autres industries | 0 | 0 | 0 | 48909.06 | 164985.21 | 337.58 | 0 | 0 | 2227 | 216458.84999999998 300 | Production et distribution de l'électricité | 2998322 | 0 | 527752.35 | 896694.32 | 92435.89 | 1889.41 | 0 | 66070.95 | 0 | 4583164.92 400 | Production et distribution de gaz | 0 | 6633.13 | 1010.76 | 0 | 1725329.26 | 92537.1 | 0 | 2122.4 | 0 | 1827632.65 500 | Traitement et distribution de l'eau | 0 | 4254.39 | 0 | 260645.95 | 77111.96 | 0 | 0 | 0 | 0 | 342012.30000000005 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 161344.75 | 173220.41 | 1885338 | 748114.32 | 302024.76 | 0 | 8812.72 | 82490 | 3392293.9600000004 700 | Commerce de gros(1) | 843481 | 135171.94 | 108438.8 | 3907598.75 | 3307179.06 | 503485.65 | 0 | 294341.77 | 51943 | 9151639.97 800 | Commerce de détail(2) | 266107 | 396242.23 | 88838.84 | 2412459.07 | 2906995.2 | 524322.47 | 0 | 206777.18 | 12460 | 6814201.989999999 900 | Rest/débits/boissons, casinos/activités/loterie | 1825 | 2285.21 | 90.73 | 11359.5 | 12669.5 | 13522.6 | 0 | 0 | 6269 | 48021.54 1000 | Hotels,motels et pensions | 105441 | 0 | 0 | 977188.3 | 26080.39 | 556134.46 | 0 | 0 | 0 | 1664844.15 1100 | Transport | 41858 | 47779.83 | 0 | 31112.11 | 323671.74 | 32603.02 | 0 | 4533.55 | 0 | 481558.25 1200 | Immobilier résidentiel / Avance Hypothécaire | 684986 | 168576.75 | 56280.22 | 216655.71 | 822793.33 | 607876.07 | 1464659.47 | 8353.35 | 842300 | 4872480.9 1300 | Immobilier commercial | 415383 | 116285.99 | 74246.99 | 856546.93 | 3570698.53 | 4276.01 | 900844.02 | 0 | 36427 | 5974708.469999999 1400 | Télécommunications | 574045 | 0 | 1405.23 | 126662.51 | 993171.09 | 3997.12 | 0 | 41301.17 | 355418 | 2096000.12 1500 | Services financiers | 4022 | 0 | 5565.44 | 1479071.64 | 1510940.21 | 699492.07 | 0 | 21018.03 | 345522 | 4065631.3899999997 1510 | Services professionnels | 349257 | 25105.81 | 13128.1 | 64321.81 | 212554.79 | 148278.98 | 0 | 1747.4 | 32304 | 846697.89 1520 | Services médicaux | 352853 | 328.4 | 0 | 2036.25 | 41386.83 | 20273.18 | 0 | 0 | 1606 | 418483.66000000003 1530 | Services d'agence ou de représentation | 1391 | 0 | 4493.93 | 118885.84 | 19539.32 | 225.83 | 0 | 6.02 | 793 | 145334.93999999997 1540 | Services d'enseignement | 27889 | 0 | 1517.95 | 134442.64 | 8330.19 | 9930.81 | 0 | 0 | 17343 | 199453.59000000003 1550 | Autres services | 35665 | 37596.64 | 3503.82 | 1960073.99 | 115714.35 | 326676.39 | 0 | 64041.39 | 21518 | 2564789.58 1560 | Crédit à la consommation | 2560247 | 338847.27 | 256841.12 | 2184438.32 | 627139.9 | 261148.73 | 231147.86 | 17347.13 | 586012 | 7063169.330000001 Total | 10259056 | 1463504.3499999999 | 1351575.2999999998 | 21053617.23 | 20998829.28 | 4742817.51 | 2596651.35 | 1336711.2699999998 | 2655432 | 66458194.28999999 (1) Commerce de gros Import-export | 5406 | 12926.66 | 17991.14 | 797425.95 | 1442825.75 | 177806 | 0 | 0 | 23760 | 2478141.5 Produits pétroliers | 480407 | 0 | 0 | 137876.61 | 9870.5 | 6494 | 0 | 0 | 0 | 634648.11 Produits pharmaceutiques | 0 | 0 | 0 | 114622.41 | 82673.82 | 50565 | 0 | 0 | 0 | 247861.23 Produits alimentaires | 295904 | 44182.47 | 46781.81 | 1706738.17 | 744906.74 | 152655 | 0 | 102512.26 | 3842 | 3097522.4499999997 Matériaux de construction | 0 | 0 | 0 | 0 | 787257.43 | 97342 | 0 | 0 | 11309 | 895908.43 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 61764 | 78062.81 | 43665.85 | 1150935.61 | 239644.82 | 18624 | 0 | 191829.5 | 13032 | 1797558.59 S-Total | 843481 | 135171.94 | 108438.79999999999 | 3907598.75 | 3307179.06 | 503486 | - | 294341.76 | 51943 | 9151640.309999999 (2) Commerce de détail Produits pétroliers | 21132 | 6698.07 | 6522.86 | 114106.48 | 80269.85 | 34394 | 0 | 14318.44 | 0 | 277441.7 Produits pharmaceutiques | 0 | 0 | 0 | 10937.59 | 10583.34 | 10782 | 0 | 0 | 1498 | 33800.93 Véhicules automobiles | 11023 | 0 | 0 | 794605.21 | 1178256.44 | 123655 | 0 | 34150.35 | 1216 | 2142906 Produits alimentaires | 11317 | 176.88 | 22367.27 | 585274.81 | 503463.4 | 162928 | 0 | 0 | 6352 | 1291879.36 Librairie ,papeterie | 1910 | 1749.72 | 0 | 63817.28 | 22030.57 | 5197 | 0 | 0 | 0 | 94704.57 Appareils électro- ménagers électroni.équip. inform. | 13978 | 0 | 0 | 344909.53 | 93173.89 | 117078 | 0 | 2473.61 | 0 | 571613.03 Matériaux de construction | 0 | 0 | 0 | 0 | 235251.99 | 578 | 0 | 37149.28 | 850 | 273829.27 Autres | 206747 | 387617.56 | 59948.71 | 498807.81 | 783965.72 | 69710 | 0 | 118685.5 | 2544 | 2128026.3 S-Total | 266107 | 396242.23 | 88838.84 | 2412458.71 | 2906995.1999999993 | 524322 | - | 206777.18 | 12460 | 6814201.159999999 [Secteur d'activité sept 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00012269483062127468 | 0.004955781515835058 | 0 | - | 0 | 0 | 0.0016047498903539652 200 | Industrie alimentaire | 0.021807756971011758 | 0.015204013571944628 | 0 | 0.010227300023920877 | 0.04955955811266065 | 0.04538374912088912 | - | 0.2249753755723179 | 0.05376074401453323 | 0.03251282844928467 210 | Industrie des boissons | 0.0003730362715633875 | 0 | 0.007058482054237009 | 0.03158623208236221 | 0.049189137938455585 | 0.019084118208039593 | - | 0.13644590577888974 | 0.030236888009182686 | 0.03106432716169424 220 | Industrie du bois | 0.001408901559753646 | 0 | 0.00048601065734184403 | 0.00028140057526827183 | 0 | 0 | - | 0 | 0 | 0.0003165204866718024 230 | Industrie chimique | 0 | 0 | 0 | 0.02184816580328795 | 0.004245198092300505 | 0.012369900354863116 | - | 0.0004883403130131461 | 0 | 0.009155350465060013 240 | Industrie du textile | 0.021827934266076723 | 0 | 0 | 0.02809448483546882 | 0.0123762070987226 | 0.005665994937258297 | - | 0 | 0.0023374727727917717 | 0.01667800610355705 250 | Industrie pharmacie | 0 | 0 | 0.006618920899190745 | 0 | 0.0027982236160167496 | 7.762474504316318e-05 | - | 0 | 0 | 0.00102430634366849 260 | Imprimerie, édition | 0.0034207825749269717 | 0 | 0 | 0.01269147088032245 | 0.0039035333306924242 | 0.011858784336823452 | - | 0 | 0.0016901204775720108 | 0.006695894385246019 270 | Sidérurgie, aciérie | 0.044739106600061446 | 0 | 0.01189595577841649 | 0.0329227112105144 | 0.02344110871308536 | 0.013699662671608886 | - | 0.08713141170718192 | 0.007553196617348891 | 0.028016692898322808 280 | Industrie de la fabrication | 0.0005183712809443676 | 0.0005472276184214964 | 0 | 0.02747868804110485 | 0.025350015608108224 | 0.025490706683336 | - | 0 | 0.002635352741098247 | 0.01873149102679299 290 | Autres industries | 0 | 0 | 0 | 0.0023230715874471134 | 0.007856876581073856 | 7.117710080310469e-05 | - | 0 | 0.0008386582672800509 | 0.003257067880229341 300 | Production et distribution de l'électricité | 0.29226100335157545 | 0 | 0.3904720291943779 | 0.04259098615710893 | 0.004401954450291145 | 0.0003983729072468572 | - | 0.04942798903760272 | 0 | 0.06896312740609072 400 | Production et distribution de gaz | 0 | 0.0045323609731669065 | 0.0007478384667136194 | 0 | 0.08216311666685448 | 0.019510997377590437 | - | 0.0015877774412719663 | 0 | 0.027500486125531173 500 | Traitement et distribution de l'eau | 0 | 0.002906988284660719 | 0 | 0.012380103008075825 | 0.0036722028152990443 | 0 | - | 0 | 0 | 0.00514627735005227 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030167492993507395 | 0.11024548714187288 | 0.12816186415954778 | 0.08954936243989081 | 0.03562647755380008 | 0.06368045141167576 | - | 0.0065928373597089526 | 0.031064625266246697 | 0.0510440284488807 700 | Commerce de gros(1) | 0.08221818849609555 | 0.09236183001437612 | 0.08023141588929601 | 0.18560225101993078 | 0.15749349718033423 | 0.10615750003841072 | - | 0.22019846514797475 | 0.019561035643164654 | 0.1377052155534875 800 | Commerce de détail(2) | 0.025938741342283345 | 0.27074892534484096 | 0.06572984871801076 | 0.11458644106830282 | 0.13843606046974824 | 0.1105508421722935 | - | 0.15469098274304222 | 0.004692268527305538 | 0.10253366139117831 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0001778916110800058 | 0.0015614644397879652 | 6.712907523539386e-05 | 0.0005395509890724845 | 0.0006033431593287376 | 0.0028511744277506476 | - | 0 | 0.002360821139460547 | 0.0007225826779230719 1000 | Hotels,motels et pensions | 0.010277846226787337 | 0 | 0 | 0.04641427120692457 | 0.001241992572644983 | 0.11725824551069433 | - | 0 | 0 | 0.025050998869081673 1100 | Transport | 0.004080102496759936 | 0.03264754901480136 | 0 | 0.0014777560387897297 | 0.015413799297291109 | 0.006874188165844062 | - | 0.0033915701182051085 | 0 | 0.007246032714922265 1200 | Immobilier résidentiel | 0.06676891129164321 | 0.11518705086185771 | 0.04164046205934661 | 0.010290664432299076 | 0.039182819148096806 | 0.12816771227615711 | 0.5640570383082041 | 0.0062491804980442794 | 0.3171988587920911 | 0.07331648041381054 1300 | Immobilier commercial | 0.04048939785492934 | 0.07945722197545912 | 0.05493366888252546 | 0.04068407441071351 | 0.17004274297333588 | 0.0009015759073555416 | 0.34692528898806535 | 0 | 0.013717918591023984 | 0.08990175754593166 1400 | Télécommunications | 0.055954953360231194 | 0 | 0.0010396978991847514 | 0.006016187556574096 | 0.04729649814077635 | 0.000842773307548154 | - | 0.030897599898293673 | 0.13384564168843338 | 0.031538625784110215 1500 | Services financiers | 0.0003920438683637169 | 0 | 0.004117743199361516 | 0.07025261378327052 | 0.0719535451168733 | 0.1474845001995449 | - | 0.01572368728513825 | 0.13011894109884944 | 0.06117577273103488 1510 | Services professionnels | 0.03404377556765457 | 0.017154585157194785 | 0.009713184311669502 | 0.0030551429380194918 | 0.010122220966025207 | 0.031263901612777846 | - | 0.0013072381741795298 | 0.01216525220755041 | 0.012740308385528963 1520 | Services médicaux | 0.03439429514762372 | 0.0002243929100723206 | 0 | 9.671734684615048e-05 | 0.0019709113040610425 | 0.004274501381774649 | - | 0 | 0.0006047980140331216 | 0.006296945989442412 1530 | Services d'agence ou de représentation | 0.00013558752384234963 | 0 | 0.003324957181445977 | 0.005646813025107895 | 0.0009304956833288755 | 4.7615156923885104e-05 | - | 0 | 0.0002986331414248228 | 0.0021868626066758575 1540 | Services d'enseignement | 0.0027184762418686476 | 0 | 0.0011230968781391613 | 0.006385726430346051 | 0.00039669782962300457 | 0.002093862978927899 | - | 0 | 0.0065311406957512 | 0.003001188824506054 1550 | Autres services | 0.003476440717352552 | 0.025689462419431826 | 0.0025923971827540803 | 0.09309915576915806 | 0.005510514346159778 | 0.06887812767647475 | - | 0.04790966563781572 | 0.00810338958030181 | 0.038592525833731926 1560 | Crédit à la consommation | 0.24955970607822006 | 0.23153144027211128 | 0.1900309364931425 | 0.10375596250925095 | 0.029865469719176647 | 0.055061939332344254 | 0.08901767270373051 | 0.012977469696952584 | 0.22068424271455642 | 0.10627988625719854 Total | 1 | 1 | 0.9999856389799372 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999954964096326 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0005269490682183624 | 0.008832676172093374 | 0.01331123763507664 | 0.037875959332238696 | 0.06870981856946645 | 0.03748953014217914 | - | - | 0.008947696645969469 | 0.03728872754481215 Produits pétroliers | 0.04682760285156841 | - | - | 0.006548832368982895 | 0.00047005001414059783 | 0.0013692283091870428 | - | - | - | 0.00954958401714348 Produits pharmaceutiques | - | - | - | 0.005444309581000205 | 0.003937068057348386 | 0.010661384270718019 | - | - | - | 0.0037295811697564563 Produits alimentaires | 0.02884319960822906 | 0.03018950370731731 | 0.03461280329701202 | 0.08106626768002659 | 0.03547372713342046 | 0.032186564142123196 | - | 0.07668990476903813 | 0.0014468455603457366 | 0.04660858578979005 Matériaux de construction | - | 0 | - | - | 0.03749053909161549 | 0.020524087168599495 | - | - | - | 0.013480782009974171 Appareils électroménagers électron.,équipe.inform. | - | - | - | - | - | - | - | - | - | - Autres | 0.006020436968079714 | - | 0.03230737495720735 | 0.0546668820576824 | 0.011412294314342842 | 0.0039267798014012145 | - | 0.1435085528978895 | 0.004907676039152951 | 0.027047960138009346 S-Total | 0.08221818849609555 | 0.03902217987941068 | 0.080231415889296 | 0.18560225101993078 | 0.15749349718033423 | 0.1061575738342081 | - | 0.22019845766692764 | 0.015302218245468157 | 0.13770522066948565 (2) Commerce de détail Produits pétroliers | 0.0020598386440233876 | 0.00457673391951312 | 0.00482611660630377 | 0.005419804053310415 | 0.0038225869132833866 | 0.0072518075864150214 | - | - | - | 0.0041746800821783215 Produits pharmaceutiques | - | - | - | 0.0005195112023037383 | 0.0005039966685228463 | 0.0022733322497158447 | - | - | 0.0005641266656423512 | 0.0005086043995192637 Véhicules automobiles | 0.0010744653309232351 | 0 | - | 0.037741980454918715 | 0.05611057760835322 | 0.026072055215972247 | - | 0.025548037759867172 | 0.00045792925595533986 | 0.03224442106640933 Produits alimentaires | 0.0011031229384068086 | 0.00012086059054077975 | 0.016549037260447128 | 0.02779925195780716 | 0.023975784234767587 | 0.03435257621792832 | - | 0 | 0.0023920778238719726 | 0.019438977748367593 Librairie ,papeterie | 0.00018617697378784168 | 0.0011955687046642535 | - | 0.003031178884978712 | 0.0010491332495846644 | 0.0010957621685933263 | - | - | - | 0.0014250247243664618 Appareils électro- ménagers électroni.équip. inform. | 0.001362503528589765 | - | - | 0.016382435675164026 | 0.00443709926670731 | 0.024685326760548288 | - | 0.0018505192972600587 | - | 0.008601091800744443 Matériaux de construction | - | - | - | - | 0.011203100271121398 | 0.00012186848825224988 | - | 0.02779155142456456 | 0.0003200985752977293 | 0.004120323654974828 Autres | 0.020152633926552307 | 0.26485576213012285 | 0.04435469485125987 | 0.023692261740620616 | 0.03733378225740783 | 0.014698014387654565 | - | 0.08878918182533167 | 0.0009580362065381452 | 0.032020525425563745 S-Total | 0.025938741342283345 | 0.270748925344841 | 0.06572984871801077 | 0.11458642396910337 | 0.1384360604697482 | 0.11055074307507987 | - | 0.14397929030702347 | 0.004692268527305538 | 0.10253364890212399 [classifiprêts] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS QUALITÉ DU PORTEFEUILLE AU 30 SEPTEMBRE 2022 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 13554058.077613642 | 136673.05 | 10265526.83 | 12357283.75 | 18752003.8 | 44812054.99 | 3072617.51 | 96667.67 | 0 | 103046885.67761365 A signaler | 7903344.649645065 | 18057.37 | 2617089.33 | 2455729.42 | 16387388.69 | 7318255.38 | 1132307.35 | 0 | 0 | 37832172.18964507 Restructurés | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Faible | 230415.84557999996 | 24932.07 | 447438.39 | 17878.49 | 6084672.18 | 185444.95 | 732051.5 | 0 | 0 | 7722833.42558 Douteux | 3947503.7589572542 | 8316.9 | 2529304.55 | 4547.43 | 1299189.87 | 616785.11 | 100638.34 | 0 | 0 | 8506285.958957253 Perte | 1109859.250019833 | 1160250.66 | 180763.5 | 1636.6 | 280171.32 | 16142.82 | 241443.83 | 0 | 0 | 2990267.9800198325 TOTAL | 26745181.581815798 | 1348230.0499999998 | 16040122.600000001 | 14837075.69 | 42803425.86 | 52948683.25000001 | 5279058.529999999 | 96667.67 | 0 | 160098445.2318158 Provisions spécifiques | 2127492.0966929244 | 1081985.5225 | 728708.1135494204 | 181738.00045745 | 1891250.18105192 | 331915.9297 | 161432.23641703353 | 0 | 0 | 6504522.080368749 Provisions générales | 169198.26715482835 | 2230.51 | 128319.0854067384 | 147768.48028 | 296322.906859919 | 560150.687362625 | 40044.874974259306 | 0 | 0 | 1344034.8120383702 TOTAL 1 | 2296690.3638477526 | 1084216.0325 | 857027.1989561588 | 329506.48073744995 | 2187573.087911839 | 892066.617062625 | 201477.11139129283 | 0 | 0 | 7848556.892407117 Portefeuille de Prêts Net | 24448491.217968047 | 264014.01749999984 | 15183095.401043843 | 14507569.20926255 | 40615852.77208816 | 52056616.63293738 | 5077581.418608706 | 96667.67 | 0 | 152249888.33940867 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 0.5067850459773705 | 0.10137220276317087 | 0.6399905465809843 | 0.8328651823437587 | 0.4380958631987407 | 0.8463299224726234 | 0.5820389170794058 | 1 | #DIV/0! | 0.6436470106152881 A signaler | 0.2955053651614986 | 0.013393389355177183 | 0.16315893558070435 | 0.16551303446238602 | 0.3828522684983047 | 0.13821411470133205 | 0.2144903951273297 | 0 | #DIV/0! | 0.23630568138788405 Restructurés | 0.00861522831225274 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Faible | 0.14759682026766213 | 0.018492444965160067 | 0.027894948259310683 | 0.0012049874499224856 | 0.1421538593640037 | 0.0035023524404641355 | 0.13867084364378132 | 0 | #DIV/0! | 0.04823802888527533 Douteux | #REF! | 0.006168754360578153 | 0.1576861108281055 | 0.00030649098885873516 | 0.030352473987697772 | 0.011648733682154407 | 0.019063690888837335 | 0 | #DIV/0! | 0.05313159629152245 Perte | 0.041497540281215835 | 0.8605732085559138 | 0.011269458750895082 | 0.00011030475507401013 | 0.006545534951253082 | 0.000304876703425859 | 0.045736153260645895 | 0 | #DIV/0! | 0.018677682820030204 TOTAL | #REF! | 1 | 1 | 1 | 1 | 0.9999999999999998 | 1 | 1 | #DIV/0! | 1 Provisions spécifiques | 0.07954674340814416 | 0.8025229244074482 | 0.04543033315402591 | 0.01224890970799179 | 0.044184551658032166 | 0.006268634257302327 | 0.030579739834222592 | 0 | #DIV/0! | 0.040628265133683686 Provisions générales | 0.006326308409506826 | 0.001654398668832519 | 0.007999881834240993 | 0.009959407323074727 | 0.006922878272153308 | 0.010579124030674077 | 0.00758560920412059 | 0 | #DIV/0! | 0.008395052244837635 TOTAL | 0.08587305181765098 | 0.8041773230762808 | 0.0534302149882669 | 0.022208317031066516 | 0.05110742993018547 | 0.016847758287976404 | 0.038165349038343184 | 0 | #DIV/0! | 0.04902331737852132 Portefeuille de Prêts Net | #REF! | 0.19582267692371924 | 0.9465697850117331 | 0.9777916829689335 | 0.9488925700698145 | 0.9831522417120234 | 0.9618346509616568 | 1 | #DIV/0! | 0.9509766826214787 1 Tel que soumis au formulaire transmis à la BRH, un écart existe par rapport au chiffre définitif soumis dans le Bilan transmis à la BRH à la même date. REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (2)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 30 SEPTEMBRE 2022 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 19469936.77364 | 1109144.19 | 13087618.21443 | 12875029.32605 | 38977584.8996157 | 47862527.345309995 | 1297125.3876578687 | 96666.667 | 134775632.80370358 Prêts à la Consommation | 3831803.76757 | 27587.67 | 943712.3635900001 | 406840.25033999997 | 2978395.33251759 | 1866495.8672 | 53586.23581228899 | 0 | 10108421.48702988 Prêts au Logement | 2350775.2429299997 | 211496.19 | 2008792.0215099999 | 1555206.11103 | 847445.628537346 | 3219660.0365 | 3928346.9184752307 | 0 | 14121722.148982577 TOTAL | 25652515.78414 | 1348228.0499999998 | 16040122.59953 | 14837075.68742 | 42803425.86067063 | 52948683.24901 | 5279058.541945389 | 96666.667 | 159005776.439716 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.7589874200828888 | 0.8226680864561452 | 0.8159300612087271 | 0.8677605747449566 | 0.9106183469167065 | 0.9039417868093047 | 0.24571149900146103 | 1 | 0.8476146956510172 Prêts à la Consommation | 0.14937341038258176 | 0.020462168844506686 | 0.05883448569262509 | 0.027420514588663188 | 0.06958310631986701 | 0.035251034637105896 | 0.010150718236313003 | 0 | 0.06357266832291653 Prêts au Logement | 0.09163916953452952 | 0.15686974469934817 | 0.12523545309864778 | 0.1048189106663803 | 0.019798546763426485 | 0.06080717855358942 | 0.744137782762226 | 0 | 0.08881263602606637 TOTAL | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 TRIM 4 2021 (1er juillet au 30 septembre 2021) REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (5)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 30 SEPTEMBRE 2019 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 16932730.44452 | 1098033 | 11480175 | 10070095.266819999 | 29845403 | 33993003.65 | 1320535.22162 | 610584 | 105350559.58295998 Prêts à la Consommation | 3272516.66902 | 25896 | 1566199 | 434269.84787 | 3068786 | 2349998.29 | 79259.31258 | 0 | 10796925.11947 Prêts au Logement | 2073695.43736 | 255105 | 2266008 | 1101088.5214 | 457226 | 2908558.09 | 3455769.86766 | 0 | 12517450.916420002 TOTAL | 22278942.5509 | 1379034 | 15312382 | 11605453.63609 | 33371415 | 39251560.03 | 4855564.40186 | 610584 | 128664935.61885 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.7600329506588709 | 0.796233450371782 | 0.749731491808394 | 0.8677037178025142 | 0.8943403508661529 | 0.8660293660689948 | 0.2719632801315844 | 1 | 0.8187977484016683 Prêts à la Consommation | 0.14688833015944916 | 0.018778362244875762 | 0.10228317188011636 | 0.037419463425327176 | 0.09195852198655646 | 0.05987018829834774 | 0.016323398480645932 | 0 | 0.0839150547702773 Prêts au Logement | 0.09307871918167988 | 0.18498818738334225 | 0.1479853363114896 | 0.0948768187721586 | 0.013701127147290578 | 0.07410044563265732 | 0.7117133213877698 | 0 | 0.09728719682805437 TOTAL | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts ] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS QUALITÉ DU PORTEFEUILLE AU 30 SEPTEMBRE 2014 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 8793982.69 | 620397 | 2573916 | 5242601.36 | 12812969.49 | 19612204.26 | 2401486.31 | 1520241 | 1863998 | 55441796.11 A signaler | 781905.91 | 173929 | 97047 | 174026.28 | 4688561.58 | 4122544.28 | 822149.69 | 20000 | 163724 | 11043887.74 Restructurés | 0 | 0 | 0 | 0 | 372881.96 | 0 | 22099.24 | 0 | 0 | 394981.2 Faible | 83919.21 | 33997 | 29155 | 12077.12 | 569900.34 | 230488.44 | 35609.31 | 47179 | 39547 | 1081872.42 Douteux | 377908.78 | 240574 | 16680 | 23506.04 | 523594.56 | 75889.09 | 146694.95 | 504 | 16411 | 1421762.4200000002 Perte | 104950.75 | 325065 | 22153 | 20131.39 | 332287.7 | 70604.76 | 51394.33 | 0 | 86502 | 1013088.93 TOTAL | 10142667.34 | 1393962 | 2738951 | 5472342.19 | 19300195.63 | 24111730.830000006 | 3479433.8300000005 | 1587924 | 2170182 | 70397388.82 Provisions spécifiques | 212137 | 380075 | 26409 | 43482 | 672585.86421 | 194740.18 | 57031.14457 | 9820 | 78189.8 | 1674469.98878 Provisions générales | 109924 | 7755 | 32174 | 68029 | 189072.26386 | 245132.56 | 33648.94897 | 19003 | 23300 | 728038.77283 TOTAL 1 | 322061 | 387830 | 58583 | 111511 | 861658.1280700001 | 439872.74 | 90680.09354 | 28823 | 101489.8 | 2402508.7616099995 Portefeuille de Prêts Net | 9820606.34 | 1006132 | 2680368 | 5360831.19 | 18438537.50193 | 23671858.090000007 | 3388753.7364600007 | 1559101 | 2068692.2 | 67994880.05839 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 0.8670286025569286 | 0.4450601953281366 | 0.939745179815192 | 0.9580178245395872 | 0.66387770029044 | 0.8133884870512217 | 0.6901945624871962 | 0.9573764235567949 | 0.8589132155736247 | 0.7875547238230647 A signaler | 0.0770907576665134 | 0.12477312867926098 | 0.03543217823173909 | 0.03180105957518713 | 0.24292818942789132 | 0.17097670462008882 | 0.23628835326924433 | 0.012595061224592613 | 0.07544252048906497 | 0.1568792241462004 Restructurés | 0 | 0 | 0 | 0 | 0.01932011297441963 | 0 | 0.006351389645481488 | 0 | 0 | 0.005610736514814954 Faible | 0.008273879758339783 | 0.024388756651902994 | 0.010644586193765423 | 0.0022069380131362 | 0.02952821571995641 | 0.00955918269099224 | 0.010234225376833791 | 0.029711119675752743 | 0.018222895591245344 | 0.015368075977452142 Douteux | 0.037259309344557484 | 0.17258289680780395 | 0.006089922747796511 | 0.004295425831183265 | 0.027128976826853026 | 0.0031473928825374157 | 0.04216058047581839 | 0.00031739554285973383 | 0.007562038575566473 | 0.020196238011545048 Perte | 0.010347450673660762 | 0.23319502253289545 | 0.00808813301150696 | 0.003678752040906272 | 0.017216804760439623 | 0.0029282327551596998 | 0.014770888745425573 | 0 | 0.03985932977049851 | 0.01439100152692283 TOTAL | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 Provisions spécifiques | 0.02091530688021165 | 0.2726580781972536 | 0.0096420125807289 | 0.007945775042989408 | 0.03484865527293104 | 0.008076574069817615 | 0.016390926615207392 | 0.006184175061274973 | 0.03602914409943498 | 0.023785967304291274 Provisions générales | 0.010837780271713024 | 0.005563279343339345 | 0.011746833002854012 | 0.01243142289681998 | 0.009796391056581224 | 0.010166526896319037 | 0.009670811578560755 | 0.011967197422546672 | 0.010736426714441461 | 0.01034184342677158 TOTAL | 0.031753087151924674 | 0.2782213575405929 | 0.02138884558358291 | 0.02037719793980939 | 0.04464504632951226 | 0.01824310096613665 | 0.02606173819376815 | 0.018151372483821645 | 0.046765570813876445 | 0.03412781073106286 Portefeuille de Prêts Net | 0.9682469128480753 | 0.721778642459407 | 0.9786111544164171 | 0.9796228020601906 | 0.9553549536704877 | 0.9817568990338632 | 0.9739382618062318 | 0.9818486275161784 | 0.9532344291861236 | 0.9658721892689371 1 Tel que soumis au formulaire transmis à la BRH, un écart existe par rapport au chiffre définitif soumis dans le Bilan transmis à la BRH à la même date. REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (4)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 30 Septembre 2017 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 9790933.92852 | 979685 | 5498981 | 5893131.915440001 | 20529064.645 | 25084793.99 | 1076516.94092 | 587416.08 | 0 | 69440523.49987999 Prêts à la Consommation | 2889189.07423 | 49690 | 1366380 | 1049226.73957 | 2641336.893 | 1726360.7 | 116907.90899 | 2079.31 | 0 | 9841170.62579 Prêts au Logement | 1708159.42971 | 292818 | 1709311 | 791483.50751 | 245336.479 | 2571857.71 | 2935827.81986 | 0 | 0 | 10254793.94608 TOTAL | 14388282.43246 | 1322193 | 8574672 | 7733842.162520001 | 23415738.016999997 | 29383012.4 | 4129252.66977 | 589495.39 | 0 | 89536488.07175 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.6804796871676377 | 0.740954611013672 | 0.6413051134783931 | 0.7619927833541121 | 0.8767208033373003 | 0.8537175715176161 | 0.2607050299443076 | 0.9964727289894497 | #DIV/0! | 0.7755555862793487 Prêts à la Consommation | 0.20080152636648155 | 0.03758150285170168 | 0.15935070169447882 | 0.13566694503474572 | 0.11280177849113149 | 0.05875370014818494 | 0.02831212288021885 | 0.0035272710105502267 | #DIV/0! | 0.1099124037331438 Prêts au Logement | 0.1187187864658806 | 0.22146388613462634 | 0.19934418482712807 | 0.10234027161114218 | 0.010477418171568366 | 0.08752872833419899 | 0.7109828471754736 | 0 | #DIV/0! | 0.1145320099875073 TOTAL | 0.9999999999999999 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [pageint.sect5] SECTION 5 RESPECT DES NORMES PRUDENTIELLES LIMITES SUR LA CONCENTRATION DES RISQUES DE CRÉDIT [Apparentés sept. 23 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 30 SEPTEMBRE 2023 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 | 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 | 346020617.5 | 0 | 0 | 1 | 1331276160 | 49 | 1677296777.5 | 0.20629659708506773 | 0 | 0.7937034029149322 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 19 | 405111726.9095485 | 2 | 572132275.9095219 | 1 | 371768665.92304415 | 22 | 1349012668.7421145 | 0.3003023887739279 | 0.42411186282112984 | 0.2755857484049423 | 1 CAPITALBK | 13 | 349590000 | 2 | 1030981000 | 0 | 0 | 15 | 1380571000 | 0.25322131205131787 | 0.7467786879486821 | 0 | 1 SOGEBK | 21 | 1832283116.3981264 | 0 | 0 | 0 | 0 | 21 | 1832283116.3981264 | 1 | 0 | 0 | 1 SOGEBL | 5 | 74217375.68173726 | 0 | 0 | 0 | 0 | 5 | 74217375.68173726 | 1 | 0 | - | 1 UNIBK | 15 | 1431534350 | 0 | 0 | 0 | 0 | 15 | 1431534350 | 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 | 1677296777.5 | 7662982630 | 0.21888301963957343 BPH | 0 | -384478.01 | 0 BUH | 1349012668.7421145 | 3569339350 | 0.37794463805805256 CAPITALBK | 1380571000 | 7314683000 | 0.18873968974458633 SOGEBK | 1832283116.3981264 | 10323952000 | 0.17747884883600062 SOGEBL | 74217375.68173726 | 982791810 | 0.07551688457979443 UNIBK | 1431534350 | 15594575984.2073 | 0.09179693961860338 CBNA | 0 | 465250000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés juin 23] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 30 JUIN 2023 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 | 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 | 179123512.5 | 2 | 743653630 | 1 | 1339584540 | 50 | 2262361682.5 | 0.07917545363571636 | 0.3287067827184171 | 0.5921177636458665 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 19 | 392539585.3500999 | 2 | 456674795.64100003 | 2 | 810030013.38 | 23 | 1659244394.3711 | 0.23657731596488737 | 0.27523057916618276 | 0.48819210486892983 | 1 CAPITALBK | 13 | 542660000 | 2 | 1020293000 | 0 | 0 | 15 | 1562953000 | 0.34720173927175035 | 0.6527982607282496 | 0 | 1 SOGEBK | 22 | 2107794488.4808362 | 0 | 0 | 0 | 0 | 22 | 2107794488.4808362 | 1 | 0 | 0 | 1 SOGEBL | 4 | 12569051 | 1 | 50373339 | 0 | 0 | 5 | 62942390 | 0.19969135267980767 | 0.8003086473201924 | - | 1 UNIBK | 15 | 1587923090 | 0 | 0 | 0 | 0 | 15 | 1587923090 | 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 | 2262361682.5 | 6688171620 | 0.3382631025398239 BPH | 0 | -368404.88 | 0 BUH | 1659244394.3711 | 3044840270 | 0.5449364325344724 CAPITALBK | 1562953000 | 7285562000 | 0.21452744482855268 SOGEBK | 2107794488.4808362 | 10927332000 | 0.19289196013087515 SOGEBL | 62942390 | 974761480 | 0.064572094088084 UNIBK | 1587923090 | 15671656531.099998 | 0.10132452091767118 CBNA | 0 | 465250000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 23] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 31 MARS 2023 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 | #REF! | #REF! BPH | 0 | #REF! | 0 BUH | 1059318989.0176561 | #REF! | #REF! CAPITALBK | 644592330 | #REF! | #REF! SOGEBK | 2094472165.033 | #REF! | #REF! SOGEBL | 102677603.53170401 | #REF! | #REF! UNIBK | 1049947840 | #REF! | #REF! CBNA | 0 | #REF! | #REF! 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 [text truncated at 1,600,000 bytes for storage]