Rapports statistiques sur le système bancaire, juin 2024
Résumé — Le système bancaire en juin 2024 : actif total 645,5 milliards de gourdes, dépôts 527,2 milliards, prêts bruts 128,6 milliards, prêts improductifs 12,02 % des prêts bruts. Le classeur contient le bilan, le compte de résultat, les ratios prudentiels, la classification des prêts, le crédit par secteur, les dépôts par succursale et les tableaux de risques, pour le système et pour chacune des 8 banques déclarantes.
Constats Clés
- Actif total du système bancaire : 645,5 milliards de gourdes.
- Dépôts totaux : 527,2 milliards de gourdes.
- Portefeuille brut : 128,6 milliards de gourdes.
- Prêts improductifs en part des prêts bruts : 12,02 %.
- Banques déclarantes : 8.
Description Complète
État de supervision de la BRH pour le trimestre clos en juin 2024, déposé au titre du trimestre 3 de l'exercice 2024 : l'exercice haïtien se termine le 30 septembre, de sorte que ce trimestre se clôt en juin 2024. Le classeur compte 370 feuilles et présente le système ainsi que chaque banque agréée nommément. Il contient le bilan en gourdes et en devises, le compte de résultat du trimestre et cumulé depuis octobre, les ratios prudentiels et d'adéquation des fonds propres, la classification des prêts par catégorie, le crédit par secteur au sens de la Circulaire 83-4, les dépôts et comptes par succursale et localité, les tableaux de grands risques et de parties liées, ainsi que les effectifs et le nombre de succursales. À cette date, le système déclare 645,5 milliards de gourdes d'actif, 527,2 milliards de dépôts et 128,6 milliards de prêts bruts pour 8 banques. Il s'agit de l'édition définitive de la BRH pour ce trimestre.
Texte Intégral du Document
Texte extrait du document original pour l'indexation.
[XXXX]
[pagecouvert.]
Banque de la République d’Haïti
RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS
DONNÉES FINANCIÈRES TRIMESTRIELLES
DES ÉTABLISSEMENTS BANCAIRES
TRIM 3 2024
(1er avril au 30 juin 2024)
[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 juin 2024 | 39
Ratios financiers clés mars 2024 | 40
Ratios financiers clés décembre 2023 | 41
Ratios financiers clés septembre 2023 | 42
Ratios financiers clés juin 2023 | 43
Ratios financiers clés mars 2023 | 44
Ratios financiers clés décembre 2022 | 45
Ratios financiers clés septembre 2022 | 46
Ratios financiers clés juin 2022 | 47
Ratios financiers clés mars 2022 | 48
Ratios financiers clés décembre 2021 | 49
Ratios financiers clés septembre 2021 | 50
Ratios financiers clés juin 2021 | 51
Ratios financiers clés mars 2021 | 52
Ratios financiers clés décembre 2020 | 53
Ratios financiers clés septembre 2020 | 54
Ratios financiers clés juin 2020
Bilan au 30 juin 2024 | 55
Gourdes et devises | 56
Devises seulement | 57
Gourdes seulement | 58
Bilan au 31 mars 2024 | 59
Bilan au 31 décembre 2023 | 59
Bilan au 30 septembre 2023 | 60
Bilan au 30 juin 2023 | 61
Bilan au 31 mars 2023 | 62
Bilan au 31 décembre 2022 | 63
Bilan au 30 septembre 2022 | 64
Bilan au 30 juin 2022 | 65
Bilan au 31 mars 2022 | 66
Bilan au 31 décembre 2021 | 67
Bilan au 30 septembre 2021 | 68
Bilan au 30 juin 2021 | 69
Bilan au 31 mars 2021 | 70
Bilan au 31 décembre 2020 | 71
Bilan au 30 septembre 2020 | 72
Résultats (Trim. 3 2024/ Trim. 3 2023) | 73
Résultats (Cumul oct.-juin 24 / Cumul oct. -juin 23) | 74
SECTION 4 | STATISTIQUES PAR BANQUE
BNC (Banque Nationale de Crédit) | 76
BPH (Banque Populaire Haïtienne) | 82
BUH (Banque de l'Union Haïtienne) | 88
CAPITALBK (Capital Bank) | 94
CBNA (Citibank N.A.) | 100
SOGEBK (Société Générale Haïtienne de Banque) | 106
SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 112
UNIBK (Unibank) | 118
SECTION 5 | RESPECT DES NORMES PRUDENTIELLES
Limite relative à la position nette de change des banques | 121
Limites relatives à la concentration des risques de crédit | 122
Classification des prêts | 225
Suffisance des fonds propres | 220
ANNEXE 1
Information sur le calcul des ratios financiers clés | 222
[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 3 2024 et TRIM 3 2023 doivent être lues comme étant le troisième trimestre de l'exercice fiscal 2023-2024
(1er avril au 30 juin 2024) et troisième trimestre de l'exercice fiscal 2022-2023 (1er avril au 30 juin 2023).
Les périodes CUMUL 2024 et CUMUL 2023 doivent être lues respectivement comme période cumulative allant du
1er octobre au 30 juin 2024 et période cumulative allant du 1er octobre au 30 juin 2023.
[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
Mars 2024 | 818 | 125 | 464 | 1168 | 1586 | 736 | 69 | 13 | 0 | 4979
Juin 2024 | 802 | 125 | 468 | 1113 | 1539 | 739 | 71 | 13 | 0 | 4870
[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
Mars 24 | 30940 | 182 | 494 | 18828 | 9931 | 2824 | 396 | 1 | ** | 63596
Juin 24 | 28301 | 180 | 470 | 17275 | 9014 | 2264 | 397 | 1 | ** | 57902
Mars98 | Juin 98
1327 | 1348
1050 | 1028
875 | 869
862 | 954
664
624 | 645
496 | 518
278 | 1539
171 | 186
103
12 | 22
0 | 636
0
0 | 2545
[nbre de cptes de dépôts ]
NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE
(En unités)
AU 30 juin 2024
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
À vue | 38797 | 3711 | 11206 | 25075 | 56126 | 11904 | 3779 | 133 | 150731
Épargne | 507718 | 9295 | 92519 | 687539 | 1256289 | 135672 | 3493 | 23 | 2692548
À Terme | 3121 | 115 | 798 | 10648 | 4342 | 620 | 780 | 5 | 20429
TOTAL | 549636 | 13121 | 104523 | 723262 | 1316757 | 148196 | 8052 | 161 | 2863708
NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE
(En unités)
AU 31 Mars 2024
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
À vue | 38900 | 3702 | 11352 | 25447 | 56361 | 12066 | 3812 | 135 | 151775
Épargne | 511193 | 9344 | 92934 | 674133 | 1261352 | 132840 | 3517 | 857 | 2686170
À Terme | 3139 | 114 | 800 | 10584 | 4355 | 631 | 742 | 5 | 20370
TOTAL | 553232 | 13160 | 105086 | 710164 | 1322068 | 145537 | 8071 | 997 | 2858315
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
[dépôts P-AU-P et Prov.]
RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE
En Milliers de Gourdes
Au 30 juin 2024
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL
À vue | 33672768.28255796 | 1940341.89397 | 14113838.324988974 | 16455742 | 54931336.49814999 | 82123014.26222 | 3784809.25529 | 3788310 | 0 | 210810160.51717693
Épargne | 20026379.394374583 | 572676.0355199999 | 6029994.190445187 | 8806160 | 30376826.396190003 | 51036918.345470004 | 1215221.8782300001 | 9 | 0 | 118064185.24022979
À terme | 9841647.690512758 | 2135251.14809 | 11441758.718173154 | 10205292 | 21037883.269790005 | 31736984.272129998 | 2911290.2353100004 | 4429 | 0 | 89314536.33400592
TOTAL | 63540795.367445305 | 4648269.077579999 | 31585591.233607315 | 35467194 | 106346046.16413 | 164896916.87982 | 7911321.36883 | 3792748 | 0 | 418188882.09141266
RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE
En Milliers de Gourdes
Au 30 juin 2024
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL
À vue | 8675946.717829596 | N/A | 1965547.740254799 | 2040035 | 11170746.172300002 | 11691811.847130002 | N/A | N/A | N/A | 35544087.4775144
Épargne | 17917072.603181288 | N/A | 2614765.211554957 | 2399982 | 17283411.8919 | 22585358.66532 | N/A | N/A | N/A | 62800590.371956244
À terme | 2362340.308907604 | N/A | 1193314.7838979259 | 120178 | 4468890.05485 | 2230826.1479700003 | N/A | N/A | N/A | 10375549.29562553
TOTAL | 28955359.629918486 | N/A | 5773627.735707683 | 4560195 | 32923048.11905 | 36507996.66042 | N/A | N/A | N/A | 108720227.14509618 | 0
SCOTIA | 1327
PROMOBK | 1050
SOGEBK | 875
UNIBK | 862
CAPITALBK | 664
SOCABK | 624
SOGEBL | 496
BPH | 278
CBNA | 171
BICH | 103
BMH | 12
BIDC | 0
BNC | 0
BUH | 0
TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE
En Milliers de Gourdes
Au 30 juin 2024
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL
À vue | 42348715.00038755 | 1940341.89397 | 16079386.065243773 | 18495777 | 66102082.670449995 | 93814826.10935 | 3784809.25529 | 3788310 | 0 | 246354247.9946913
Épargne | 37943451.99755587 | 572676.0355199999 | 8644759.402000144 | 11206142 | 47660238.288090006 | 73622277.01079 | 1215221.8782300001 | 9 | 0 | 180864775.61218604
À terme | 12203987.999420362 | 2135251.14809 | 12635073.502071079 | 10325470 | 25506773.324640006 | 33967810.420099996 | 2911290.2353100004 | 4429 | 0 | 99690085.62963144
TOTAL | 92496154.99736378 | 4648269.077579999 | 37359218.96931499 | 40027389 | 139269094.28318 | 201404913.54024002 | 7911321.36883 | 3792748 | 0 | 526909109.2365088
[ dépôts à vue]
RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES
(EN MILLIERS DE GOURDES)
Au 30 juin 2024
PORT-AU-PRINCE ET SES ENVIRONS
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
Siège Social | 16121557.5733408 | 302129.39195 | 841302.273870046 | 11970098.71124 | 1968528.97333 | 1378887 | 2749190.12412 | 3788310 | 39120004.04785084
Place Geffrard | 0 | 0 | 0 | 3438475.035510001 | 0 | 0 | 0 | 0 | 3438475.035510001
Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Rue Pavée | 885660.7090958011 | 0 | 0 | 2182022.2339500003 | 0 | 0 | 0 | 0 | 3067682.9430458015
Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Pavée 2 | 885660.7090958011 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 885660.7090958011
Delmas | 2920663.1798103075 | 45078.857560000004 | 1419971.4207531437 | 6450738.349040001 | 11774487.533499999 | 1641861 | 268195.53411 | 0 | 24520995.874773446
Delmas 52 | 1820183.7145066508 | 0 | 0 | 0 | 0 | 0 | 0 | 1820183.7145066508
Delmas 2 | 361805.87512887095 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 361805.87512887095
Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1304636 | 0 | 0 | 1304636
Delmas 32 | 738673.5901747859 | 0 | 0 | 0 | 2230951.88645 | 0 | 0 | 0 | 2969625.476624786
0 | 0 | 0 | 0 | 0 | 337225 | 0 | 0 | 337225
Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 268195.53411 | 0 | 268195.53411
Delmas 48 | 0 | 0 | 0 | 1242386.2969000002 | 0 | 0 | 0 | 0 | 1242386.2969000002
Delmas-Aéroport | 0 | 0 | 0 | 5208352.05214 | 0 | 0 | 0 | 0 | 5208352.05214
Delmas 16 | 0 | 0 | 0 | 0 | 2842132.30052 | 0 | 0 | 0 | 2842132.30052
Delmas 18 | 2213256.40088 | 2213256.40088
Delmas 71 | 0 | 0 | 0 | 0 | 4338731.96114 | 0 | 0 | 0 | 4338731.96114
Kiosque Mégamart | 0 | 0 | 0 | 0 | 3131.14641 | 0 | 0 | 0 | 3131.14641
Delmas 35 | 881590.6572248259
Delmas 64 | 538380.7635283179
Delmas 75 | 146283.8381
Pétion-Ville | 6433973.730675233 | 722737.3045600001 | 5124155.044868781 | 11268967.65651 | 26507083.133270003 | 6010424 | 0 | 0 | 56067340.869884014
P-V 1 | 1843267.6739469809 | 722737.3045600001 | 2321212.4676668947 | 2816012.7112399996 | 12717624.25572 | 3127209 | 0 | 0 | 23548063.413133875
Place Boyer | 1549196.0488719977 | 0 | 125844.42765732299 | 0 | 0 | 1520290 | 0 | 0 | 3195330.4765293207
Choucoune Plaza | 1708215.6933117518 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1708215.6933117518
P-V 2 | 0 | 0 | 2233211.741131231 | 0 | 6896167.71149 | 1362925 | 0 | 0 | 10492304.45262123
P-V 3 | 1333294.314544502 | 0 | 0 | 5308014.7686 | 4366731.66278 | 0 | 0 | 0 | 11008040.745924503
P-V 4 | 0 | 0 | 0 | 3144940.17667 | 1729556.36389 | 0 | 0 | 0 | 4874496.54056
Juvénat | 443886.4084133329 | 797003.13939
Lalue | 615428.515678479 | 0 | 508551.264066773 | 1576617.79074 | 3509502.63758 | 0 | 0 | 0 | 6210100.208065252
Champs de Mars | 0 | 0 | 0 | 1473818.9951000002 | 0 | 0 | 0 | 0 | 1473818.9951000002
Laboule | 0 | 0 | 0 | 0 | 529491.2707999999 | 231678 | 0 | 0 | 761169.2707999999
Aéroport | 0 | 164472.12225000001 | 241634.063655962 | 4689062.825979999 | 1995892.57655 | 2243585 | 0 | 0 | 9334646.588435963
Aéroport 2 | 0 | 0 | 0 | 2068196.60699 | 0 | 462145 | 0 | 0 | 2530341.6069900002
Carrefour | 643431.867934969 | 0 | 150795.70694176797 | 2075484.5882 | 0 | 110004 | 0 | 0 | 2979716.163076737
Arcachon | 285797.9034068 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 285797.9034068
Carrefour | 357633.964528169 | 0 | 0 | 1630845.84725 | 0 | 0 | 0 | 0 | 1988479.8117781691
Truitiers | 0 | 0 | 0 | 444638.74095 | 0 | 0 | 0 | 0 | 444638.74095
Thor | 0 | 0 | 0 | 0 | 1444791.82369 | 0 | 0 | 0 | 1444791.82369
Diquini | 0 | 0 | 0 | 478369.24565000006 | 0 | 80000 | 0 | 0 | 558369.24565
Rue du Quai | 0 | 0 | 0 | 102986.55784000001 | 0 | 0 | 0 | 0 | 102986.55784000001
Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Clercine | 0 | 0 | 0 | 0 | 357863.14884 | 0 | 0 | 0 | 357863.14884
Rue Cameau | 0 | 0 | 0 | 0 | 0 | 614301 | 0 | 0 | 614301
Parc Industriel | 2728003.2311762143 | 658496.10244 | 4311589.871341433 | 0 | 0 | 0 | 0 | 0 | 7698089.204957647
Varreux | 0 | 0 | 0 | 0 | 8594607.53426 | 260538 | 0 | 0 | 8855145.53426
Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bourdon | 0 | 0 | 0 | 0 | 987872.58036 | 0 | 0 | 0 | 987872.58036
Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bel-Air | 0 | 0 | 0 | 0 | 1112.98656 | 0 | 0 | 0 | 1112.98656
Canapé-Vert | 0 | 0 | 0 | 0 | 1093945.98312 | 0 | 0 | 0 | 1093945.98312
Rue Capois | 0 | 0 | 0 | 0 | 1100847.33913 | 0 | 0 | 0 | 1100847.33913
Damien | 265416.884471741 | 0 | 103918.436311079 | 939806.9077999999 | 2868766.18109 | 0 | 0 | 0 | 4177908.40967282
Frères | 321880.018369423 | 0 | 454441.83937978395 | 1897260.13655 | 2409425.2675 | 0 | 0 | 0 | 5083007.261799207
Portail Léogane | 0 | 0 | 0 | 126239.11892000001 | 332330.41718 | 0 | 0 | 0 | 458569.5361
Croix des Bossales | 0 | 0 | 0 | 0 | 65444.32318 | 0 | 0 | 0 | 65444.32318
Monseigneur Guilloux | 0 | 0 | 0 | 0 | 2158094.32005 | 0 | 0 | 0 | 2158094.32005
Martissant | 0 | 0 | 0 | 222.21769 | 1017684.01774 | 0 | 0 | 0 | 1017906.23543
Nazon | 0 | 0 | 0 | 0 | 379682.23054 | 0 | 0 | 0 | 379682.23054
Croix des Bouquets | 380358.46498578 | 0 | 0 | 203842.61516999998 | 992045.74574 | 0 | 0 | 0 | 1576246.82589578
Lathan | 0 | 0 | 0 | 621197.6238699999 | 639805.30976 | 0 | 0 | 0 | 1261002.9336299999
Turgeau | 748374.7908774018 | 0 | 0 | 2548893.1959199994 | 5300244.02224 | 0 | 767423.59706 | 0 | 9364935.606097402
Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Tabarre | 641379.680701807 | 47428.11521 | 786827.516236524 | 819036.08548 | 2314804.55191 | 1909857 | 0 | 0 | 6519332.9495383315
Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Grand Rue | 0 | 0 | 0 | 0 | 1430223.92364 | 0 | 0 | 0 | 1430223.92364
Avenue Christophe | 0 | 0 | 0 | 0 | 1903347.40244 | 0 | 0 | 0 | 1903347.40244
Autres succursales non précisées | 966639.63544 | 0 | 170650.887563682 | 0 | 445089.02822 | 1512462 | 0 | 0 | 3094841.5512236822
TOTAL | 33672768.28255796 | 1940341.89397 | 14113838.324988974 | 54931336.49814999 | 82123014.26222 | 16455742 | 3784809.25529 | 3788310 | 210810160.51717693
#REF!
VILLES DE PROVINCES
Aquin | 187898.518191093 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 187898.518191093
Jacmel | 483183.337852759 | 0 | 0 | 1152963.29326 | 698641.9062 | 281058 | 0 | 0 | 2615846.537312759
Hinche | 677304.550678711 | 0 | 0 | 218704.72122 | 1251492.8395 | 215360 | 0 | 0 | 2362862.111398711
Cap-Haïtien | 703300.66551144 | 0 | 964606.4374193449 | 2250406.42722 | 2928787.28508 | 768176 | 0 | 0 | 7615276.815230785
Cap-Haïtien 1 | 703300.66551144 | 0 | 625785.2999060419 | 1175673.93884 | 1905350.79502 | 659759 | 0 | 0 | 5069869.699277482
Cap-Haïtien 2 | 0 | 0 | 338821.13751330297 | 1074732.4883799998 | 1023436.49006 | 108417 | 0 | 0 | 2545407.115953303
Cayes | 1176785.1201861198 | 0 | 147884.41269705197 | 1655108.6471900002 | 1609041.6769400002 | 399042 | 0 | 0 | 4987861.857013172
Cayes 1 | 912507.7699082709 | 0 | 147884.41269705197 | 0 | 1178318.77291 | 0 | 0 | 0 | 2238710.955515323
Cayes 2 | 264277.350277849 | 0 | 0 | 0 | 430722.90403 | 0 | 0 | 0 | 695000.254307849
Cabaret | 338318.5639219689 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 338318.5639219689
Cap Saint-Michel | 0 | 0 | 0 | 206745.46738999998 | 0 | 0 | 0 | 0 | 206745.46738999998
Ouanaminthe | 130489.994482357 | 0 | 75586.53716429 | 271890.22215000005 | 307308.77885 | 0 | 0 | 0 | 785275.5326466471
Fort-Liberté | 363376.40253063303 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 363376.40253063303
Gonaïves | 725851.121720932 | 0 | 230352.15864981498 | 1013164.71122 | 875672.02923 | 143659 | 0 | 0 | 2988699.020820747
Port-de-Paix | 874543.9832642629 | 0 | 203611.388264992 | 189766.44907000003 | 498430.10461 | 0 | 0 | 0 | 1766351.925209255
Petit-Goave | 196604.37277308598 | 0 | 0 | 156449.17880999998 | 244951.79669 | 0 | 0 | 0 | 598005.3482730859
Miragoane | 443024.809007931 | 0 | 0 | 516591.45175 | 286608.39912 | 0 | 0 | 0 | 1246224.659877931
Mirebalais | 0 | 0 | 0 | 629616.36692 | 757595.71576 | 0 | 0 | 0 | 1387212.08268
Jérémie | 511166.030280285 | 0 | 0 | 472998.70734 | 411608.27667 | 0 | 0 | 0 | 1395773.014290285
La Gonave | 0 | 0 | 0 | 0 | 156325.34679 | 0 | 0 | 0 | 156325.34679
Léogane | 750315.732096318 | 0 | 0 | 931525.5358 | 511004.1687 | 0 | 0 | 0 | 2192845.4365963177
Fonds-des-Nègres | 167918.480823498 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 167918.480823498
Limbé | 0 | 0 | 0 | 0 | 107769.59998 | 0 | 0 | 0 | 107769.59998
Vertières | 292747.326013448 | 0 | 0 | 580363.8577 | 310584.6984 | 113695 | 0 | 0 | 1297390.8821134479
L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
ANSE-A-VEAU | 600.078133628
St-Marc | 407630.64173172496 | 0 | 343506.80605930503 | 924451.13526 | 735989.22461 | 119045 | 0 | 0 | 2530622.80766103
Belladerre | 244886.988629403
TOTAL | 8675946.717829596 | 0 | 1965547.740254799 | 11170746.172300002 | 11691811.847130002 | 2040035 | 0 | 0 | 35544087.4775144
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 | 42348715.00038755 | 1940341.89397 | 16079386.065243773 | 66102082.670449995 | 93814826.10935 | 18495777 | 3784809.25529 | 3788310 | 246354247.9946913
[ dépôts d'épargne]
RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES
(EN MILLIERS DE GOURDES)
Au 30 juin 2024
PORT-AU-PRINCE ET SES ENVIRONS
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
Siège Social | 3289929.31144497 | 167742.56504000002 | 298880.947147488 | 2941902.92019 | 2447533.91228 | 972857 | 814895.0172000001 | 9 | 10933750.673302457
Place Geffrard | 0 | 0 | 0 | 3016487.42026 | 0 | 0 | 0 | 0 | 3016487.42026
Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Rue Pavée II | 1238875.1167538657 | 0 | 0 | 1012458.03943 | 0 | 0 | 0 | 0 | 2251333.156183866
Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Pavée 2 | 1238875.1167538657 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1238875.1167538657
Delmas | 3514914.2274599383 | 59795.87058 | 520009.666022535 | 2486459.5131200003 | 7660115.33282 | 1391346 | 86239.65815 | 0 | 15718880.268152473
Delmas 52 | 1377948.896372589 | 0 | 0 | 0 | 0 | 0 | 0 | 1377948.896372589
Delmas 2 | 1334510.6011618064 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1334510.6011618064
Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 967809 | 0 | 0 | 967809
Delmas 32 | 802454.7299255431 | 0 | 0 | 0 | 3243744.03355 | 0 | 0 | 0 | 4046198.763475543
Delmas 53 | 0 | 0 | 0 | 0 | 0 | 423537 | 0 | 0 | 423537
Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 86239.65815 | 0 | 86239.65815
Delmas 48 | 0 | 0 | 0 | 980299.6460899999 | 0 | 0 | 0 | 0 | 980299.6460899999
Delmas-Aéroport | 0 | 0 | 0 | 1506159.86703 | 0 | 0 | 0 | 0 | 1506159.86703
Delmas 16 | 0 | 0 | 0 | 0 | 1555042.7901 | 0 | 0 | 0 | 1555042.7901
Delmas 18 | 556746.01025 | 556746.01025
Delmas 71 | 0 | 0 | 0 | 0 | 2110862.57567 | 0 | 0 | 0 | 2110862.57567
Kiosque Mégamart | 0 | 0 | 0 | 0 | 31592.2565 | 0 | 0 | 0 | 31592.2565
Delmas 35 | 254990.03657757398
Delmas 64 | 265019.629444961
Delmas 75 | 162127.66675
Pétion-Ville | 3916967.7673292765 | 134208.33289 | 2368898.210353187 | 4612894.99162 | 8308249.24441 | 2501260 | 0 | 0 | 21842478.546602465
P-V 1 | 1719747.8094728529 | 134208.33289 | 1152870.0357668619 | 1582967.55201 | 4092172.78038 | 1046564 | 0 | 0 | 9728530.510519715
Place Boyer | 944861.577344403 | 0 | 150969.484471175 | 0 | 0 | 678536 | 0 | 0 | 1774367.061815578
Choucoune Plaza | 1130193.134353135 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1130193.134353135
P-V 2 | 0 | 0 | 687908.6667167931 | 0 | 2009799.04207 | 776160 | 0 | 0 | 3473867.708786793
P-V 3 | 122165.24615888599 | 0 | 0 | 2063114.78398 | 1421013.49462 | 0 | 0 | 0 | 3606293.524758886
P-V 4 | 0 | 0 | 0 | 966812.65563 | 549379.11949 | 0 | 0 | 0 | 1516191.77512
Juvénat | 377150.023398357 | 235884.80785
Lalue | 1110437.08631485 | 0 | 532120.710057849 | 1603487.56676 | 2211247.26376 | 0 | 0 | 0 | 5457292.626892699
Champs de Mars | 0 | 0 | 0 | 1039241.6594300001 | 0 | 0 | 0 | 0 | 1039241.6594300001
Laboule | 0 | 0 | 0 | 0 | 729955.91576 | 557656 | 0 | 0 | 1287611.91576
Aéroport | 0 | 88822.12182 | 156361.77582071399 | 894740.1781300001 | 797756.80127 | 656464 | 0 | 0 | 2594144.877040714
Aéroport 2 | 0 | 0 | 0 | 1206881.959 | 0 | 173647 | 0 | 0 | 1380528.959
Carrefour | 1741657.468458496 | 0 | 324286.31135414203 | 3345681.18894 | 0 | 544305 | 0 | 0 | 5955929.9687526375
Arcachon | 938285.305691476 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 938285.305691476
Carrefour | 803372.1627670199 | 0 | 0 | 2214729.97117 | 0 | 0 | 0 | 0 | 3018102.13393702
Truitiers | 0 | 0 | 0 | 1130951.21777 | 0 | 0 | 0 | 0 | 1130951.21777
Thor | 0 | 0 | 0 | 0 | 3227756.5409500003 | 0 | 0 | 0 | 3227756.5409500003
Diquini | 0 | 0 | 0 | 958403.46523 | 0 | 347695 | 0 | 0 | 1306098.46523
Rue du Quai | 0 | 0 | 0 | 263162.25499 | 0 | 0 | 0 | 0 | 263162.25499
Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Clercine | 0 | 0 | 0 | 0 | 286321.88276 | 0 | 0 | 0 | 286321.88276
Rue Cameau | 0 | 0 | 0 | 0 | 0 | 688261 | 0 | 0 | 688261
Parc Industriel | 1212796.174633018 | 83112.12951 | 706174.716543157 | 0 | 0 | 0 | 0 | 0 | 2002083.0206861752
Varreux | 0 | 0 | 0 | 0 | 2147637.77389 | 135673 | 0 | 0 | 2283310.77389
Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bourdon | 0 | 0 | 0 | 0 | 1029502.02552 | 0 | 0 | 0 | 1029502.02552
Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bel-Air | 0 | 0 | 0 | 0 | 73277.74821 | 0 | 0 | 0 | 73277.74821
Canapé-Vert | 0 | 0 | 0 | 0 | 1076499.33867 | 0 | 0 | 0 | 1076499.33867
Rue Capois | 0 | 0 | 0 | 0 | 1937949.62307 | 0 | 0 | 0 | 1937949.62307
Damien | 789018.616006734 | 0 | 153039.79796504398 | 1066715.6161800001 | 2269382.84806 | 0 | 0 | 0 | 4278156.878211779
Frères | 444709.41285611293 | 0 | 364048.949519219 | 1381059.12151 | 2359319.15354 | 0 | 0 | 0 | 4549136.637425331
Portail Léogane | 0 | 0 | 0 | 357148.43603 | 1041127.77142 | 0 | 0 | 0 | 1398276.20745
Croix des Bossales | 0 | 0 | 0 | 0 | 410445.70441 | 0 | 0 | 0 | 410445.70441
Monseigneur Guilloux | 0 | 0 | 0 | 0 | 682435.00821 | 0 | 0 | 0 | 682435.00821
Martissant | 0 | 0 | 0 | 0 | 1345268.38591 | 0 | 0 | 0 | 1345268.38591
Nazon | 0 | 0 | 0 | 0 | 1008057.96114 | 0 | 0 | 0 | 1008057.96114
Croix des Bouquets | 1014427.440779204 | 0 | 0 | 712721.4671300001 | 1798195.00489 | 0 | 0 | 0 | 3525343.9127992042
Lathan | 0 | 0 | 0 | 1062496.51996 | 1288016.47451 | 0 | 0 | 0 | 2350512.9944700003
Turgeau | 1060006.22009084 | 0 | 0 | 1758192.61851 | 2381520.14857 | 0 | 314087.20288 | 0 | 5513806.190050839
Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Tabarre | 692640.552247276 | 38995.01568 | 408940.507560734 | 656691.45977 | 2456150.23372 | 613449 | 0 | 0 | 4866866.76897801
Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Grand Rue | 0 | 0 | 0 | 0 | 597474.84862 | 0 | 0 | 0 | 597474.84862
Avenue Christophe | 0 | 0 | 0 | 0 | 895456.04011 | 0 | 0 | 0 | 895456.04011
Autres succursales non précisées | 0 | 0 | 197232.598101118 | 0 | 570265.35899 | 223547 | 0 | 0 | 991044.957091118
TOTAL | 20026379.394374583 | 572676.0355199999 | 6029994.190445187 | 30376826.396190003 | 51036918.345470004 | 8806160 | 1215221.8782300001 | 9 | 118064185.24022979
#REF!
VILLES DE PROVINCES
Aquin | 1368043.116068804 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1368043.116068804
Jacmel | 837092.235448107 | 0 | 0 | 1280292.9929000002 | 1392953.43192 | 267811 | 0 | 0 | 3778149.660268107
Hinche | 849757.309745383 | 0 | 0 | 344326.67841999995 | 603640.90626 | 342662 | 0 | 0 | 2140386.894425383
Cap-Haïtien | 1484953.284462976 | 0 | 885880.5590860611 | 3833176.18812 | 4433804.26395 | 640174 | 0 | 0 | 11277988.295619037
Cap-Haïtien 1 | 1484953.284462976 | 0 | 729343.519135831 | 2613249.78832 | 2238142.64572 | 506949 | 0 | 0 | 7572638.237638807
Cap-Haïtien 2 | 0 | 0 | 156537.03995022998 | 1219926.3998 | 2195661.61823 | 133225 | 0 | 0 | 3705350.05798023
Cayes | 1675754.685223674 | 0 | 516792.698128052 | 1713154.718 | 2931752.4957299996 | 448031 | 0 | 0 | 7285485.5970817255
Cayes 1 | 1277650.1047013889 | 0 | 516792.698128052 | 0 | 2171982.20619 | 0 | 0 | 0 | 3966425.009019441
Cayes 2 | 398104.58052228496 | 0 | 0 | 0 | 759770.28954 | 0 | 0 | 0 | 1157874.870062285
Cabaret | 1192745.9286305162 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1192745.9286305162
Cap Saint-Michel | 0 | 0 | 0 | 827040.56537 | 0 | 0 | 0 | 0 | 827040.56537
Ouanaminthe | 258154.134773294 | 0 | 247599.64122831402 | 631712.75879 | 732359.99801 | 0 | 0 | 0 | 1869826.5328016079
Fort-Liberté | 433366.8694698449 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 433366.8694698449
Gonaïves | 1451087.326445786 | 0 | 435617.147345923 | 2076203.6732600003 | 2159481.48347 | 319143 | 0 | 0 | 6441532.630521709
Port-de-Paix | 1412056.3313191459 | 0 | 396469.818322579 | 807099.02375 | 1285495.80763 | 0 | 0 | 0 | 3901120.9810217246
Petit-Goave | 796685.319710754 | 0 | 0 | 634336.8128600001 | 779778.80569 | 0 | 0 | 0 | 2210800.938260754
Miragoane | 564750.374609774 | 0 | 0 | 1068918.69252 | 909166.99338 | 0 | 0 | 0 | 2542836.060509774
Mirebalais | 0 | 0 | 0 | 785384.71018 | 942733.7994 | 0 | 0 | 0 | 1728118.50958
Jérémie | 734956.469415088 | 0 | 0 | 520586.81208000006 | 849507.19878 | 0 | 0 | 0 | 2105050.480275088
La Gonave | 0 | 0 | 0 | 0 | 977597.62232 | 0 | 0 | 0 | 977597.62232
Léogane | 1587752.540047409 | 0 | 0 | 962641.00193 | 691611.24105 | 0 | 0 | 0 | 3242004.783027409
Fonds-des-Nègres | 732433.544347391 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 732433.544347391
Limbé | 0 | 0 | 0 | 0 | 886959.53986 | 0 | 0 | 0 | 886959.53986
Vertières | 376687.341455855 | 0 | 0 | 293183.44844999997 | 1137088.30852 | 156254 | 0 | 0 | 1963213.098425855
L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
ANSE-A-VEAU | 24955.484162309996
St-Marc | 1817511.804089117 | 0 | 132405.34744402798 | 1505353.81527 | 1871426.76935 | 225907 | 0 | 0 | 5552604.736153144
Belladerre | 318328.503756062
TOTAL | 17917072.603181288 | 0 | 2614765.211554957 | 17283411.8919 | 22585358.66532 | 2399982 | 0 | 0 | 62800590.371956244
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 | 37943451.99755587 | 572676.0355199999 | 8644759.402000144 | 47660238.288090006 | 73622277.01079 | 11206142 | 1215221.8782300001 | 9 | 180864775.612186
[ dépôts à terme]
RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES
(EN MILLIERS DE GOURDES)
Au 30 juin 2024
PORT-AU-PRINCE ET SES ENVIRONS
BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL
Siège Social | 1418228.0433588298 | 134248.23561 | 84999.178136319 | 9789326.28613 | 5580033.72766 | 2376962 | 2123526.36634 | 4429 | 21511752.83723515
Place Geffrard | 0 | 0 | 0 | 550413.1043 | 0 | 0 | 0 | 0 | 550413.1043
Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Rue Pavée II | 121485.64761758498 | 0 | 0 | 272072.65231 | 0 | 0 | 0 | 0 | 393558.29992758494
Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Pavée 2 | 121485.64761758498 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 121485.64761758498
Delmas | 817380.4983126699 | 828.67802 | 1540950.804691226 | 1782695.28614 | 1650227.40826 | 736988 | 481019.60526 | 0 | 7010090.280683896
Delmas 52 | 541025.7626158219 | 0 | 0 | 0 | 0 | 0 | 0 | 541025.7626158219
Delmas 2 | 197538.060617226 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 197538.060617226
Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 543231 | 0 | 0 | 543231
Delmas 32 | 78816.675079622 | 0 | 0 | 0 | 481826.83183 | 0 | 0 | 0 | 560643.506909622
Delmas 55 | 0 | 0 | 0 | 0 | 0 | 193757 | 0 | 0 | 193757
Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 481019.60526 | 0 | 481019.60526
Delmas 48 | 0 | 0 | 0 | 193154.85974 | 0 | 0 | 0 | 0 | 193154.85974
Delmas-Aéroport | 0 | 0 | 0 | 1589540.4264 | 0 | 0 | 0 | 0 | 1589540.4264
Delmas 16 | 0 | 0 | 0 | 0 | 206963.35231 | 0 | 0 | 0 | 206963.35231
Delmas 18 | 116938.02154 | 116938.02154
Delmas 71 | 0 | 0 | 0 | 0 | 832205.68295 | 0 | 0 | 0 | 832205.68295
Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Delmas 35 | 540691.973242382
Delmas 64 | 1000258.8314488439
Delmas 75 | 12293.51963
Pétion-Ville | 5334297.738041269 | 1999370.81727 | 7732713.415104518 | 3184513.49392 | 14809166.33884 | 3224368 | 0 | 0 | 36284429.803175785
P-V 1 | 202215.19507866 | 1999370.81727 | 3315505.4938537194 | 2062413.4737 | 3646386.72969 | 2137696 | 0 | 0 | 13363587.70959238
Place Boyer | 373892.444664517 | 0 | 294414.523839608 | 0 | 0 | 236434 | 0 | 0 | 904740.968504125
Choucoune Plaza | 1582404.779699861 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1582404.779699861
P-V 2 | 0 | 0 | 3397175.772751252 | 0 | 9457042.10273 | 850238 | 0 | 0 | 13704455.875481252
P-V 3 | 3175785.31859823 | 0 | 0 | 741082.84868 | 1626012.76708 | 0 | 0 | 0 | 5542880.93435823
P-V 4 | 0 | 0 | 0 | 381017.17154 | 30959.44424 | 0 | 0 | 0 | 411976.61578
Juvénat | 725617.624659939 | 48765.2951
Lalue | 85993.66954088799 | 0 | 78842.287570088 | 501608.58573 | 761440.45913 | 0 | 0 | 0 | 1427885.0019709761
Champs de Mars | 0 | 0 | 0 | 83639.62845 | 0 | 0 | 0 | 0 | 83639.62845
Laboule | 0 | 0 | 0 | 0 | 146871.67906 | 162672 | 0 | 0 | 309543.67906
Aéroport | 0 | 303.00623 | 141979.67799999999 | 1379037.66359 | 59971.38449 | 985843 | 0 | 0 | 2567134.73231
Aéroport 2 | 0 | 0 | 0 | 864012.97763 | 0 | 47249 | 0 | 0 | 911261.97763
Carrefour | 232204.611303758 | 0 | 11001.956147658 | 918743.2974100001 | 0 | 88551 | 0 | 0 | 1250500.8648614162
Arcachon | 94340.301688961 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 94340.301688961
Carrefour | 137864.309614797 | 0 | 0 | 824372.8583600001 | 0 | 0 | 0 | 0 | 962237.1679747971
Truitiers | 0 | 0 | 0 | 94370.43905 | 0 | 0 | 0 | 0 | 94370.43905
Thor | 0 | 0 | 0 | 0 | 403479.17392 | 0 | 0 | 0 | 403479.17392
Diquini | 0 | 0 | 0 | 163148.63372 | 0 | 59267 | 0 | 0 | 222415.63372
Rue du Quai | 0 | 0 | 0 | 24797.266010000003 | 0 | 0 | 0 | 0 | 24797.266010000003
Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Clercine | 0 | 0 | 0 | 0 | 290623.11037 | 0 | 0 | 290623.11037
Rue Cameau | 0 | 0 | 0 | 0 | 0 | 1409815 | 0 | 0 | 1409815
Parc Industriel | 818896.565008799 | 500.41096 | 1723758.295400024 | 0 | 0 | 0 | 0 | 0 | 2543155.271368823
Varreux | 0 | 0 | 0 | 0 | 780582.64119 | 2390 | 0 | 0 | 782972.64119
Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bourdon | 0 | 0 | 0 | 0 | 239221.94805 | 0 | 0 | 0 | 239221.94805
Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Bel-Air | 0 | 0 | 0 | 0 | 707.63993 | 0 | 0 | 0 | 707.63993
Canapé-Vert | 0 | 0 | 0 | 0 | 15301.61264 | 0 | 0 | 0 | 15301.61264
Rue Capois | 0 | 0 | 0 | 0 | 47827.29883 | 0 | 0 | 0 | 47827.29883
Damien | 240377.882695265 | 0 | 0 | 247521.75095 | 476750.96444 | 0 | 0 | 0 | 964650.598085265
Frères | 155781.005999425 | 0 | 69075.772803135 | 319937.72779999994 | 597159.00171 | 0 | 0 | 0 | 1141953.50831256
Portail Léogane | 0 | 0 | 0 | 78216.42546 | 25601.70502 | 0 | 0 | 0 | 103818.13047999999
Croix des Bossales | 0 | 0 | 0 | 0 | 264.01541 | 0 | 0 | 0 | 264.01541
Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8773.14238 | 0 | 0 | 0 | 8773.14238
Martissant | 0 | 0 | 0 | 0 | 86226.45299 | 0 | 0 | 0 | 86226.45299
Nazon | 0 | 0 | 0 | 0 | 98665.9707 | 0 | 0 | 0 | 98665.9707
Croix des Bouquets | 137561.767750556 | 0 | 0 | 101484.25996000001 | 197829.43939 | 0 | 0 | 0 | 436875.467100556
Lathan | 0 | 0 | 0 | 133054.08771000002 | 153639.19579 | 0 | 0 | 0 | 286693.2835
Turgeau | 337059.004405233 | 0 | 0 | 543619.45328 | 3740429.32301 | 0 | 306744.26370999997 | 0 | 4927852.044405233
Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Tabarre | 142381.256478481 | 0 | 34269.62234115399 | 100040.68929 | 229323.28001999998 | 401116 | 0 | 0 | 907130.848129635
Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Grand Rue | 0 | 0 | 0 | 0 | 159305.53688 | 0 | 0 | 0 | 159305.53688
Avenue Christophe | 0 | 0 | 0 | 0 | 133706.9444 | 0 | 0 | 0 | 133706.9444
Autres succursales non précisées | 0 | 0 | 24167.707979032002 | 0 | 1043854.87762 | 710071 | 0 | 0 | 1778093.585599032
TOTAL | 9841647.690512758 | 2135251.14809 | 11441758.718173154 | 21037883.269790005 | 31736984.272129998 | 10205292 | 2911290.2353100004 | 4429 | 89314536.3340059
#REF!
VILLES DE PROVINCES
Aquin | 201058.855548347 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 201058.855548347
Jacmel | 96464.873047129 | 0 | 0 | 91937.30427 | 57369.31972 | 918 | 0 | 0 | 246689.49703712898
Hinche | 136317.06836053 | 0 | 0 | 85835.35798 | 15939.90905 | 19875 | 0 | 0 | 257967.33539052997
Cap-Haïtien | 280264.779471131 | 0 | 408846.364352557 | 2385935.8319300003 | 559568.53931 | 70579 | 0 | 0 | 3705194.515063688
Cap-Haïtien 1 | 280264.779471131 | 0 | 121320.643295126 | 789642.37876 | 213803.61064 | 63783 | 0 | 0 | 1468814.412166257
Cap-Haïtien 2 | 0 | 0 | 287525.721057431 | 1596293.45317 | 345764.92867 | 6796 | 0 | 0 | 2236380.1028974312
Cayes | 178597.756604132 | 0 | 27757.180861697998 | 157181.18143 | 332933.30973 | 4055 | 0 | 0 | 700524.42862583
Cayes 1 | 107040.07838210299 | 0 | 27757.180861697998 | 0 | 298647.46012 | 0 | 0 | 0 | 433444.719363801
Cayes 2 | 71557.678222029 | 0 | 0 | 0 | 34285.84961 | 0 | 0 | 0 | 105843.52783202901
Cabaret | 38378.052767518995 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 38378.052767518995
Cap Saint-Michel | 0 | 0 | 0 | 187040.49798 | 0 | 0 | 0 | 0 | 187040.49798
Ouanaminthe | 1201.066667902 | 0 | 10942.93166744 | 2944.52659 | 24684.81754 | 0 | 0 | 0 | 39773.342465342
Fort-Liberté | 15681.360753447 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15681.360753447
Gonaïves | 205743.32162386697 | 0 | 53907.837858722996 | 142349.84874000002 | 222410.71697 | 12687 | 0 | 0 | 637098.7251925899
Port-de-Paix | 88664.36269552699 | 0 | 684063.2210107939 | 101847.45369999998 | 209939.60146 | 0 | 0 | 0 | 1084514.638866321
Petit-Goave | 22742.903000657 | 0 | 0 | 45742.49346 | 52855.01829 | 0 | 0 | 0 | 121340.41475065699
Miragoane | 40835.664256357 | 0 | 0 | 87737.09565 | 60203.94165 | 0 | 0 | 0 | 188776.701556357
Mirebalais | 0 | 0 | 0 | 243409.83432999998 | 51798.53464 | 0 | 0 | 0 | 295208.36896999995
Jérémie | 102776.639039619 | 0 | 0 | 33265.269870000004 | 29660.88009 | 0 | 0 | 0 | 165702.788999619
La Gonave | 0 | 0 | 0 | 0 | 39924.5017 | 0 | 0 | 0 | 39924.5017
Léogane | 141971.409813651 | 0 | 0 | 324293.86047 | 106046.99827 | 0 | 0 | 0 | 572312.268553651
Fonds-des-Nègres | 63902.598231731994 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 63902.598231731994
Limbé | 0 | 0 | 0 | 0 | 38560.23947 | 0 | 0 | 0 | 38560.23947
Vertières | 410663.86302648403 | 0 | 0 | 274460.54110000003 | 265602.99319 | 11924 | 0 | 0 | 962651.397316484
L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
ANSE-A-VEAU | 7954.4659202819985
St-Marc | 296762.054611166 | 0 | 7797.248146714 | 304908.95735000004 | 163326.82689 | 140 | 0 | 0 | 772935.08699788
Belladerre | 32359.213468125 | 32359.213468125
TOTAL | 2362340.308907604 | 0 | 1193314.7838979259 | 4468890.05485 | 2230826.1479700003 | 120178 | 0 | 0 | 10367594.829705248
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 | 12203987.999420362 | 2135251.14809 | 12635073.502071079 | 25506773.324640006 | 33967810.420099996 | 10325470 | 2911290.2353100004 | 4429 | 99682131.16371116
526901154.7705885
[pageintsect2]
SECTION 2
SOMMAIRE FINANCIER - SYSTÈME BANCAIRE
[sofiinfisys]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
INDICATEURS FINANCIERS
Var.juin. 24 | 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 | 0.02679469456220079 | 647856340.9657975 | -0.003682403201179906 | 645470672.7019204 | 0 | 0 | 0.015537432199640211 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705
Bons B.R.H. | 1600000 | 1.1875 | 3500000 | 1.4142857142857144 | 8450000 | 0 | 0 | 2.3137254901960786 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000 | 0.5061728395061729 | 4050000
Prêts Nets | 126356471.21989949 | -0.02110328363616359 | 123689934.76848121 | -0.042826495080284306 | 118392728.38563816 | 0 | 0 | -0.12411523770472933 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012
Dépôts | 510595093.8343375 | 0.024323103690021317 | 523014351.2452862 | 0.007937867776473793 | 527165970.0106695 | 0 | 0 | 0.01669569060560612 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615
Avoir des Actionnaires | 53625015.512389995 | 0.02054382201781837 | 54726678.286779284 | -0.03730576391215382 | 52685057.7469163 | 0 | 0 | 0.032943713331953305 | 51004771.18639 | 0.12986906185756752 | 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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 5743434.11966864 | 0.10712719156639743 | 5187691.318052313 | 5481001.596528769 | 0.005238183914190059 | 5452440.7093121745 | 5556091.395330159 | 0.0058531970291009075 | 5523759.741223363 | 0 | 0 | 6960962.655227186 | 16780527.111527562 | 0.03814894035222672 | 16163891.768587856
Autres revenus | 3868889.2411898365 | -0.2689293075523044 | 5292086.362040338 | 3421761.1392631778 | -0.2871841952906895 | 4800344.09542671 | 3109891.98995077 | -0.09718794429580876 | 3444672.6428847495 | 0 | 0 | 2996482.265923959 | 10400542.370403785 | -0.2317010298803516 | 13537103.100351797
Dot. à la provision pr créances douteuses | 979920.3727152854 | 0.06328149648728448 | 921600.13689 | 818125.277716415 | 0.30202455944015183 | 628348.5759041249 | 893292.1615534102 | 0.1796131503346867 | 757275.5197752417 | 0 | 0 | 377597.4216382579 | 2691337.811985111 | 0.16648298591593255 | 2307224.2325693667
Dépenses d'exploitation | 6264784.354023656 | 0.1756949287961267 | 5328579.889715601 | 6313996.9763033185 | 0.0522869714720706 | 6000261.475698506 | 6411316.498187465 | -0.010568826280856683 | 6479800.382767564 | 0 | 0 | 7076727.342186629 | 18990097.828514438 | 0.06634172875387301 | 17808641.74818167
Bénéfice net | 1884234.6387687642 | -0.47405138350387227 | 3582545.0997885396 | 1507993.8427459237 | -0.49487198075449385 | 2985369.619761673 | 1030811.1988509672 | -0.2115711634845152 | 1307424.5272492922 | 0 | 0 | 2085072.4039773494 | 4423039.680365652 | -0.43836836207873214 | 7875339.246799508
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 - juin. 24) | (oct. 22- juin 23) | 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 | 0.08447347787812805 | 0.07313753705826466 | 0.08162269793975034 | 0.07738036926478917 | 0 | 0.08024726227101067 | 0.08162269793975035 | 0.07738036926478917 | 0.08024726227101067 | 0.07397907273039252 | 0.07699229990709759 | 0.09283398954376826
Dépôts en % de l'actif | 0.8092478228074719 | 0.8262683269144961 | 0.8072998876040913 | 0.8243419998593368 | 0.816715603520713 | 0.8180666255295604 | 0 | 0.8157851700372211 | 0.816715603520713 | 0.8180666255295604 | 0.8157851700372211 | 0.8196975677629654 | 0.8146924700293188 | 0.7831624325968863
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.08773775090068439 | 0.10937447262631274 | 0.12813520542710025 | 0.11134241262413326 | 0.12021049476337706 | 0.10457010194952449 | 0 | 0.0850650584764555 | 0.12021049476337706 | 0.10457010194952449 | 0.0850650584764555 | 0.06674650919428594 | 0.0560625008532209 | 0.05048908872771796
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.8470827182282726 | 0.5723920608954655 | 0.5949891682704127 | 0.5959985117322967 | 0.6605006997802079 | 0.651338926398179 | 0 | 0.7938214552869993 | 0.6605006997802079 | 0.6513389263981791 | 0.7938214552869993 | 0.8951093289409422 | 1.0311341084197292 | 1.0536617311481398
Prêts improductifs nets
en % de l'avoir des actionnaires (tx. d'exposition) | 0.034151735287229146 | 0.1664425096043563 | 0.12697282561688436 | 0.15007314071472166 | 0.09962020913519354 | 0.11392599467736823 | 0 | 0.04984543795117829 | 0.09962020913519352 | 0.11392599467736819 | 0.04984543795117829 | 0.02466152296339713 | -0.006033336650386162 | -0.008848776197957842
Rentabilité
ROA (rendement de l'actif) | 0.011901568917852337 | 0.02216650120420597 | 0.009433757291288774 | 0.01800968382825401 | 0.006376182901663592 | 0.007759881719294255 | 0 | 0.01300127077705108 | 0.009206999528189928 | 0.016699150732027445 | 0.015990419660432787 | 0.01609198724553268 | 0.018894056402956595 | 0.011456388140477728
ROE ( rendement avoir des action.) | 0.14406869769835703 | 0.30515174781371207 | 0.1153013030285386 | 0.24493199551737171 | 0.07677456761541192 | 0.103223666563168 | 0 | 0.16498943600368976 | 0.1137505250255696 | 0.220508983636288 | 0.20719138403610818 | 0.2135184205617245 | 0.22593275500188215 | 0.12976089651586392
Revenus nets d'intérêts
en % des revenus d'intérêt | 0.8459431221062925 | 0.8544615134988002 | 0.8487401626903636 | 0.8458967774270696 | 0.842606579513076 | 0.8492505186709678 | 0 | 0.8804912704263947 | 0.8457446361284385 | 0.8489002968533592 | 0.8581686138445854 | 0.8366368653542322 | 0.8238534845742289 | 0.7704450787600935
Rendement moyen des prêts | 0.12178027234709553 | 0.0980052777411061 | 0.11219086594005472 | 0.09980227442828447 | 0.1148661139265196 | 0.10598596629442758 | 0 | 0.14148939094091112 | 0.11547081970383516 | 0.10713522844214125 | 0.11849612948383223 | 0.09757312636359047 | 0.10019938664732281 | 0.11306702887653855
Rendement moyen des prêts productifs | 0.13329149288472703 | 0.10757928235406083 | 0.1257381480156025 | 0.10965464857159579 | 0.13116354774878294 | 0.1188323363175544 | 0 | 0.15637506553232386 | 0.12852758286659108 | 0.11715295284885763 | 0.1281707420455697 | 0.10399743464962523 | 0.10586862841677029 | 0.12007769396051457
Rémunération moyenne des dépôts | 0.008130967219891013 | 0.006641663137465677 | 0.007560357318195583 | 0.0071913569668651 | 0.007906007457224494 | 0.007085601079601165 | 0 | 0.007211411825496683 | 0.007805102281382185 | 0.007450225016372655 | 0.007503545317516618 | 0.006981018553340822 | 0.0083099864925933 | 0.013334542446873971
Dépenses d'exploitation
en % du produit net bancaire | 0.6517450692029307 | 0.5084630659520337 | 0.7092177073212382 | 0.5872910868935428 | 0.7398256162222755 | 0.7225120405935873 | 0 | 0.7106971113799053 | 0.6986516053438635 | 0.5995974823996679 | 0.6274923880537089 | 0.6017849612829476 | 0.5855856691805337 | 0.7006410517279876
(marge nette d'int.+autres revenus)
Productivité par employé ('000 gdes) | 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 | 7186.892218600965 | 8299.523114590822 | 7039.076767412675 | 7399.696686557849 | 0 | 8315.194088643964 | 7420.4393890066485 | 8157.653000704406 | 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 30 Juin 2024
ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US
Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang
UNIBK | 237618633.5730105 | 0.36813234686302043 | 1 | UNIBK | 42325548.86485 | 0.32911597051438274 | 1 | UNIBK | 201404913.3117923 | 0.38205218995398355 | 1 | UNIBK | 153268691.7934423 | 0.4228543625936771 | 1
SOGEBK | 166286128.94781002 | 0.2576199601009623 | 2 | SOGEBK | 33053676.25624 | 0.2570195315098412 | 2 | SOGEBK | 139269094.28316343 | 0.2641845305006025 | 2 | SOGEBK | 99153642.5966134 | 0.2735558700764361 | 2
BNC | 119827548.99841 | 0.18564367687971875 | 3 | BNC | 22103390 | 0.1718720452919916 | 3 | BNC | 92496155 | 0.17545926759674554 | 3 | BNC | 40053849 | 0.11050492171711122 | 3
CAPITALBK | 51961654 | 0.08050195957391854 | 4 | BUH | 12508778.85665793 | 0.09726604861059858 | 4 | CAPITALBK | 40284250 | 0.07641663592053309 | 4 | CAPITALBK | 30672737 | 0.08462328803992199 | 4
BUH | 47508589.05394023 | 0.07360301724487456 | 5 | CAPITALBK | 12072901 | 0.09387673960771314 | 5 | BUH | 37359218.96931499 | 0.07086803984816938 | 5 | BUH | 27470369.856735 | 0.07578824872881987 | 5
SOGEBL | 11740495.136423156 | 0.018189045037906686 | 6 | SOGEBL | 5154628.884363157 | 0.04008148112469049 | 6 | SOGEBL | 7911321.368822355 | 0.015007268713991979 | 6 | SOGEBL | 6188555.987422355 | 0.017073662382161257 | 6
BPH | 5517104.99232648 | 0.008547413888274813 | 7 | BPH | 1329384.7868364798 | 0.01033706061801579 | 7 | BPH | 4648269.07757648 | 0.008817468011985678 | 7 | CBNA | 2995710 | 0.008264891072944506 | 7
CBNA | 5010518 | 0.007762580411323919 | 8 | CBNA | 55444 | 0.00043112272276647073 | 8 | CBNA | 3792748 | 0.007194599453988346 | 8 | BPH | 2658571.04131648 | 0.0073347553889279524 | 8
TOTAL | 645470672.7019203 | 0.9999999999999999 | TOTAL | 128603752.64894755 | 1 | TOTAL | 527165970.0106695 | 1 | TOTAL | 362462127.27552956 | 0.9999999999999999
AU 31 Mars 2024
ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US
Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang
UNIBK | 237486826.71488774 | 0.36657328438099746 | 1 | SOGEBK | 44335893.46919 | 0.3311164059904345 | 1 | UNIBK | 197704477.71312612 | 0.37800966119265345 | 1 | UNIBK | 150865423.39940614 | 0.42107277982704067 | 1
SOGEBK | 165569844.79929 | 0.25556567765079724 | 2 | UNIBK | 34941744.90297999 | 0.26095752416378887 | 2 | SOGEBK | 136936662.43257463 | 0.26182199801311623 | 2 | SOGEBK | 96650610.65687463 | 0.26975658427397753 | 2
BNC | 120683202.99841 | 0.186280808517673 | 3 | BNC | 22434449 | 0.16754853780984177 | 3 | BNC | 92899565 | 0.17762335733007723 | 3 | BNC | 40497015 | 0.11302915072596076 | 3
CAPITALBK | 52439874 | 0.08094367637403192 | 4 | BUH | 13123124.937287312 | 0.09800821917838769 | 4 | BUH | 39275994 | 0.07509544223114466 | 4 | CAPITALBK | 29955056 | 0.08360602724987497 | 4
BUH | 46946883.43898683 | 0.07246495939053456 | 5 | CAPITALBK | 12485770 | 0.09324822316474043 | 5 | CAPITALBK | 37612879.697333515 | 0.07191557862184475 | 5 | BUH | 27376706.70584351 | 0.07640972818947783 | 5
SOGEBL | 11483316.210767062 | 0.017725096575651644 | 6 | SOGEBL | 5111149.474447064 | 0.03817190344060364 | 6 | SOGEBL | 7844100.654636071 | 0.014997868865279568 | 6 | SOGEBL | 5825060.626406071 | 0.016258029277711236 | 6
CBNA | 7712578 | 0.011904765782646206 | 7 | BPH | 1369409.4204659201 | 0.010227242312128446 | 7 | CBNA | 5989253 | 0.01145141234793981 | 7 | CBNA | 4387642 | 0.012246123546378811 | 7
BPH | 5533814.80345592 | 0.00854173132766801 | 8 | CBNA | 96667 | 0.0007219439400746582 | 8 | BPH | 4751418.74761592 | 0.009084681397944227 | 8 | BPH | 2730721.34443592 | 0.0076215769095782935 | 8
TOTAL | 647856340.9657975 | 1.0000000000000002 | TOTAL | 133898208.20437029 | 1 | TOTAL | 523014351.2452863 | 0.9999999999999999 | TOTAL | 358288235.73296624 | 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 | 0.4163656141909198 | 1
SOGEBK | 166710262.341787 | 0.2622900139385419 | 2 | SOGEBK | 38054230.792337 | 0.2625193998840984 | 2 | SOGEBK | 139060465.8677532 | 0.26819291157676806 | 2 | SOGEBK | 98515561.09349318 | 0.26860263579121635 | 2
BNC | 118159286.99713 | 0.1859033787008627 | 3 | BNC | 23438695 | 0.16169324717254493 | 3 | BNC | 92208311 | 0.17783354344709335 | 3 | BNC | 42273455 | 0.11747336057593502 | 3
CAPITALBK | 48941900 | 0.07700168815558905 | 5 | CAPITALBK | 13207089 | 0.09110989780390075 | 4 | CAPITALBK | 38194690 | 0.07366252553485403 | 4 | CAPITALBK | 29327238 | 0.08637911646487788 | 4
BUH | 45488261.80110802 | 0.07156798060452726 | 4 | BUH | 12144397.018233247 | 0.08377885325231231 | 5 | BUH | 38028696.9219254 | 0.07334239021362798 | 5 | BUH | 25725925.7796441 | 0.07640493270923918 | 5
SOGEBL | 12304824.358960003 | 0.01935953136469843 | 6 | SOGEBL | 5333683.14358 | 0.03679473395916101 | 6 | SOGEBL | 8431399.10121467 | 0.016260850699083326 | 6 | SOGEBL | 6662153.567984669 | 0.017633651103468012 | 6
CBNA | 5857140 | 0.009215205534799974 | 7 | BPH | 1399192.2574197599 | 0.009652411941914187 | 7 | BPH | 4892559.53917 | 0.009435821890029839 | 7 | CBNA | 3441799 | 0.009387504071054313 | 7
BPH | 5750073.0222397605 | 0.009046754002815 | 8 | CBNA | 96667 | 0.0006668631135149974 | 8 | CBNA | 4330332 | 0.008351506230955024 | 8 | BPH | 2681755.15236 | 0.0077531850932893815 | 8
.
TOTAL | 635595156.0582458 | 0.9999999999999999 | TOTAL | 144957785.24991998 | 1.0000000000000002 | TOTAL | 518509102.45981 | 0.9999999999999999 | TOTAL | 356165227.22749865 | 0.9999999999999999
[partdemarc. (2)]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
PARTS DE MARCHÉ
(En milliers de gourdes et en pourcentage )
POUR LE TROISIEME TRIMESTRE DE L'EXERCICE 2023-2024
AU 30 Juin 2024
PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.)
Montant | % | Rang | Montant | % | Rang | Montant | % | Rang
UNIBK | 218573309.93138131 | 0.3687223583526275 | 1 | UNIBK | 3038645.016124 | 0.35064053103137754 | 1 | BNC | 360451 | 0.3496770314503668 | 1
SOGEBK | 154901643.82670343 | 0.26131140825204896 | 2 | SOGEBK | 1895024.5541400001 | 0.21867391961063265 | 2 | CAPITALBK | 194737 | 0.1889162634409395 | 2
BNC | 107177892 | 0.18080380039955346 | 3 | BNC | 1772694 | 0.20455774274976107 | 3 | UNIBK | 160371.35749400005 | 0.15557781839464305 | 3
CAPITALBK | 46760352 | 0.07888240001604865 | 4 | CAPITALBK | 1020547 | 0.11776470766530513 | 4 | SOGEBK | 150206.51918000006 | 0.14571680958397953 | 4
BUH | 44259762.81089276 | 0.07466402978883215 | 5 | BUH | 603175.4934369288 | 0.06960265980447358 | 5 | BPH | 64289.172600000005 | 0.06236755350704607 | 5
SOGEBL | 10670261.053502355 | 0.01800020240861398 | 6 | SOGEBL | 143133.15812000004 | 0.016516666575095217 | 6 | BUH | 55978.44550706694 | 0.05430523607957057 | 6
BPH | 6050188.29905648 | 0.010206368283510575 | 7 | BPH | 103923.16346000001 | 0.011992079702865838 | 7 | CBNA | 25966 | 0.025189869909197714 | 7
CBNA | 4392205 | 0.007409432498764958 | 8 | CBNA | 88841 | 0.010251692860488907 | 8 | SOGEBL | 18811.704069900043 | 0.018249417634256613 | 8
TOTAL | 592785614.9215364 | 1.0000000000000002 | TOTAL | 8665983.38528093 | 1 | TOTAL | 1030811.1988509672 | 0.9999999999999999
POUR LE DEUXIEME TRIMESTRE DE L'EXERCICE 2023-2024
AU 31 Mars 2024
PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.)
Montant | % | Rang | Montant | % | Rang | Montant | % | Rang
UNIBK | 216189403.77612802 | 0.3644892801285516 | 1 | UNIBK | 3521783.4420299996 | 0.395583207881224 | 1 | UNIBK | 830796.8896399993 | 0.5509285688641753 | 1
SOGEBK | 154110009.6494246 | 0.25982516023722646 | 2 | SOGEBK | 1862652.15577 | 0.20922181249215419 | 2 | BNC | 390616 | 0.2590302353547565 | 2
BNC | 108393997 | 0.18274924324088898 | 3 | BNC | 1676975 | 0.1883656848742049 | 3 | CAPITALBK | 176216 | 0.1168545885301006 | 3
CAPITALBK | 47023996 | 0.07928114029379865 | 4 | CAPITALBK | 1012458 | 0.11372402365948672 | 4 | SOGEBK | 127577.36583000026 | 0.08460072064862893 | 4
BUH | 43729290.81127753 | 0.07372635961769847 | 5 | BUH | 569701.4364449218 | 0.0639915331175277 | 5 | CBNA | 27925 | 0.018517980119302783 | 5
SOGEBL | 10431893.83193607 | 0.01758788084321325 | 6 | SOGEBL | 133762.861167024 | 0.015024870945875558 | 6 | SOGEBL | 19208.092906224017 | 0.012737514147436962 | 6
CBNA | 7119868 | 0.012003898047739874 | 7 | CBNA | 92020 | 0.010336117307726314 | 7 | BUH | -25833.06567030087 | -0.017130750098595337 | 7
BPH | 6131203.61947592 | 0.010337037590882673 | 8 | BPH | 33409.84038000001 | 0.003752749721800604 | 8 | BPH | -38512.439959999996 | -0.025538857565805623 | 8
TOTAL | 593129662.6882422 | 1 | TOTAL | 8902762.735791946 | 1 | TOTAL | 1507993.8427459225 | 1.0000000000000002
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 | 0.36432009154926864 | 1 | UNIBK | 3884173.0056100003 | 0.39007727749107807 | 1 | UNIBK | 810635.5975300006 | 0.3887805507298861 | 1
SOGEBK | 155613713.5806632 | 0.2661927353048904 | 2 | SOGEBK | 2555289.27692 | 0.25662098029708136 | 2 | SOGEBK | 450263.9677100001 | 0.2159464423638748 | 2
BNC | 106697763 | 0.18251713637796138 | 3 | BNC | 2058893 | 0.2067692079949742 | 3 | BNC | 406248 | 0.19483639955383228 | 3
CAPITALBK | 43777437 | 0.07488566034141327 | 4 | CAPITALBK | 1079888 | 0.10845031115423516 | 4 | BUH | 240201.2908496047 | 0.11520045557718403 | 4
BUH | 42852734.59611163 | 0.07330386490340093 | 5 | SOGEBL | 174532.39816404195 | 0.017527829633614978 | 5 | CAPITALBK | 130472 | 0.06257432583689668 | 5
SOGEBL | 11237233.118534671 | 0.01922240496838286 | 6 | CBNA | 110226 | 0.01106970722638526 | 6 | CBNA | 40686.19447 | 0.019513084721849316 | 6
BPH | 6134551.03807 | 0.010493759727961557 | 7 | BPH | 51994.28471000001 | 0.00522164924051512 | 7 | SOGEBL | 39835.51451774192 | 0.019105098912514648 | 7
CBNA | 5298930 | 0.00906434682672092 | 8 | BUH | 42448.955747101805 | 0.004263036962116024 | 8 | BPH | -33270.16109999998 | -0.0159563576960378 | 8
TOTAL | 584590384.8669169 | 1 | TOTAL | 9957444.921151143 | 1.0000000000000002 | TOTAL | 2085072.4039773473 | 1
[partdemarc. (3)]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
PARTS DE MARCHÉ
(En milliers de gourdes et en pourcentage )
CUMUL 2024 (Octobre 23 - juin 2024)
REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.)
Montant | % | Rang | Montant | % | Rang
UNIBK | 10138197.064944 | 0.37298742316535344 | 1 | UNIBK | 1813291.316804001 | 0.40996496704594265 | 1
SOGEBK | 5964439.266350001 | 0.2194335756477452 | 2 | BNC | 1188133 | 0.26862363574856674 | 2
BNC | 5248279 | 0.19308581671110478 | 3 | CAPITALBK | 641815 | 0.14510722181604785 | 4
CAPITALBK | 3152593 | 0.11598487697828411 | 4 | SOGEBK | 579039.3329300005 | 0.13091434279923336 | 3
BUH | 1796895.0425103279 | 0.06610832747787265 | 5 | CBNA | 77221 | 0.01745880787432053 | 5
SOGEBL | 413473.618757024 | 0.015211823031168113 | 6 | SOGEBL | 68876.81610672394 | 0.015572280848502337 | 7
CBNA | 276255 | 0.010163507369849478 | 7 | BPH | 62067.052584930556 | 0.014032669175556544 | 6
BPH | 190937.48937000002 | 0.007024649618622474 | 8 | BUH | -7403.83805999998 | -0.0016739253081690432 | 8
TOTAL | 27181069.48193135 | 1.0000000000000002 | TOTAL | 4423039.680365656 | 1.000000000000001
CUMUL 2023 (Octobre 22 - Juin 2023)
REVENUS BRUTS (P.N.B.) | REVENUS NETS
Montant | % | Rang | Montant | % | Rang
UNIBK | 11499031.69683 | 0.3871598156079048 | 1 | UNIBK | 4503394.072720001 | 0.5718349307364955 | 1
SOGEBK | 6756938.434660001 | 0.22749872401500568 | 2 | BNC | 1163621 | 0.14775503169249357 | 2
BNC | 4474770 | 0.15066060984642543 | 3 | CAPITALBK | 1071143 | 0.13601229946193188 | 3
CAPITALBK | 3808728 | 0.12823570445389512 | 4 | SOGEBK | 854105.950900001 | 0.10845322647492354 | 4
BUH | 2263208.1990596503 | 0.07619974378119035 | 5 | BUH | 141152.9642514065 | 0.01792341381468363 | 5
SOGEBL | 476645.10182000004 | 0.016048119058747767 | 6 | SOGEBL | 134544.75164810015 | 0.01708431185396595 | 6
CBNA | 274224 | 0.009232822038792199 | 7 | CBNA | 49116.94337999998 | 0.006236803500237887 | 7
BPH | 147449.43657 | 0.004964461198038787 | 8 | BPH | -41739.43609999999 | -0.0053000175347319356 | 8
TOTAL | 29700994.86893965 | 1 | TOTAL | 7875339.246799509 | 1
[partdemarc. (4)]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ
(En milliers de gourdes )
AU 30 Juin 2024
Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang
UNIBK | 41135607.29257 | 1 | SOGEBL | 73637.55549090223 | 1 | CBNA | 3792748 | 1 | CBNA | 291749.8461538461 | 1
SOGEBK | 30046085.12185 | 2 | SOGEBK | 28981.741566190267 | 2 | SOGEBK | 3481727.357079086 | 2 | UNIBK | 128899.14451954709 | 2
BNC | 18217233 | 3 | BNC | 27288.135802469136 | 3 | UNIBK | 3356748.5551965386 | 3 | SOGEBK | 122112.3141456935 | 3
BUH | 12198959.349928532 | 4 | UNIBK | 27088.351273504 | 4 | SOGEBL | 2637107.122940785 | 4 | BNC | 114192.78395061729 | 4
CAPITALBK | 11677967 | 5 | BUH | 26842.873082956932 | 5 | BNC | 2312403.875 | 5 | SOGEBL | 113018.87669746221 | 5
SOGEBL | 4868924.653973157 | 6 | CAPITALBK | 16370.035254237288 | 6 | CAPITALBK | 1611370 | 6 | BUH | 80169.9977882296 | 6
BPH | 192507.96731647965 | 7 | BPH | 10635.078294691839 | 7 | BUH | 1556634.123721458 | 7 | CAPITALBK | 54622.71186440678 | 7
CBNA | 55444 | 8 | CBNA | 4264.923076923077 | 8 | BPH | 774711.5129294134 | 8 | BPH | 37186.152620611836 | 8
TOTAL | 118392728.38563818
AU 31 Mars 2024
Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang
UNIBK | 43258286.58501 | 1 | SOGEBL | 71988.02076686006 | 1 | CBNA | 5989253 | 1 | CBNA | 413051.9310344828 | 1
SOGEBK | 32023284.95524999 | 2 | SOGEBK | 30935.586456821595 | 2 | SOGEBK | 3423416.5608143657 | 2 | UNIBK | 125010.73519641235 | 2
BNC | 18427273 | 3 | BUH | 28313.10666081405 | 3 | UNIBK | 3295074.628552102 | 3 | SOGEBK | 121236.5315914782 | 3
BUH | 12770145.135648241 | 4 | UNIBK | 28034.077438627886 | 4 | SOGEBL | 2614700.218212024 | 4 | BNC | 111256.96407185629 | 4
CAPITALBK | 12056420 | 5 | BNC | 26867.603592814372 | 5 | BNC | 2322489.125 | 5 | SOGEBL | 110480.2909103672 | 5
SOGEBL | 4845913.562587064 | 6 | CAPITALBK | 16987.442176870747 | 6 | CAPITALBK | 1571039.76 | 6 | BUH | 81149.68650988892 | 6
BPH | 211944.52998592006 | 7 | BPH | 10635.078294691839 | 7 | BUH | 1567203.3207222298 | 7 | CAPITALBK | 53436.72653061224 | 7
CBNA | 96667 | 8 | CBNA | 6666.689655172414 | 8 | BPH | 791903.1246026534 | 8 | BPH | 38011.34998092736 | 8
TOTAL | 123689934.76848121
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 | 4 | BNC | 29390.2131661442 | 4 | SOGEBL | 2810466.3670715564 | 4 | BNC | 115621.7065830721 | 4
BUH | 11906854.07882657 | 5 | BUH | 26088.93022176852 | 5 | BNC | 2334387.620253165 | 5 | SOGEBL | 112418.65468286227 | 5
SOGEBL | 5065652.31197 | 6 | CAPITALBK | 17763.401479488904 | 6 | BUH | 1584529.0384135584 | 6 | BUH | 81694.30058415768 | 6
BPH | 300528.43588976003 | 7 | BPH | 11193.53805935808 | 7 | CAPITALBK | 1527787.6 | 7 | CAPITALBK | 51371.47276395427 | 7
CBNA | 96667 | 8 | CBNA | 5523.828571428571 | 8 | BPH | 815426.5898616667 | 8 | BPH | 39140.47631336 | 8
TOTAL | 135169297.92840332
[partdemarc. (5)]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ
(En milliers de gourdes et en pourcentage)
TRIM 3 2024 | AU 30 Juin 2024
COEFICIENT
D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang
BPH | 0.5545827218989856 | 1 | CBNA | 27335.69230769231 | 1 | CBNA | 385424.46153846156 | 1
CBNA | 0.5760403417341092 | 2 | BNC | 8754.044444444444 | 2 | SOGEBL | 167721.35909175937 | 2
BNC | 0.6443542991627432 | 3 | SOGEBL | 8179.037606857145 | 3 | UNIBK | 152075.92548672672 | 3
SOGEBL | 0.6732451219249319 | 4 | UNIBK | 7778.93124127744 | 4 | BNC | 147935.2456770494 | 4
CAPITALBK | 0.7054030828565465 | 5 | SOGEBK | 6646.293920701447 | 5 | SOGEBK | 145801.0775517843 | 5
SOGEBK | 0.7572080718242719 | 6 | CAPITALBK | 5535.1701694915255 | 6 | BUH | 101949.76191832667 | 6
UNIBK | 0.7696771053511438 | 7 | BUH | 5177.472046668917 | 7 | CAPITALBK | 70456.48 | 7
BUH | 0.9454950079086686 | 8 | BPH | 3325.5412307200004 | 8 | BPH | 44136.83993861184 | 8
SOGEBK | 0.003621005039842232 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9
UNIBK | 0.002700391738656429 | 10 | UNIBK | 0.03180177277463805 | 10
SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13
AU 30 JUIN 2004 | TRIM 2 2024 | AU 31 Mars 2024
COEFICIENT
R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang
CBNA | 0.5597913497065855 | 1 | CBNA | 25384.827586206895 | 1 | CBNA | 531901.9310344828 | 1
BNC | 0.647808703170888 | 2 | UNIBK | 8907.451007347454 | 2 | SOGEBL | 161736.8480389727 | 2
UNIBK | 0.655585965453106 | 3 | BNC | 8033.413173652694 | 3 | UNIBK | 150165.5559373302 | 3
SOGEBL | 0.7143268639468638 | 4 | SOGEBL | 7535.9358403957185 | 4 | SOGEBK | 146586.84798520585 | 4
CAPITALBK | 0.7204634661388423 | 5 | SOGEBK | 6596.377709676848 | 5 | BNC | 144530.78203402396 | 5
SOGEBK | 0.7570729904462777 | 6 | CAPITALBK | 5509.975510204082 | 6 | BUH | 101287.77440989607 | 6
BUH | 0.9991529224419473 | 7 | BUH | 4916.517250873111 | 7 | CAPITALBK | 71346.76734693878 | 7
BPH | 1.8833457336020947 | 8 | BPH | 1069.1148921600002 | 8 | BPH | 44270.51842764736 | 8
BUH | -0.0021982579094638626 | 9 | UNIBK | 0.16012660802772066 | 9
CAPITALBK | 0.013694438375202168 | 10 | CAPITALBK | 0.13044544796808671 | 10
SOGEBK | 0.0031312602546621454 | 11 | BICH | 11
BICH | #REF! | 12 | SOGEBK | 12
SOCABEL | #REF! | 13 | SOCABEL | 13
TRIM 4 2023 | AU 30 Septembre 2023
AU 31 MARS 2004 | COEFICIENT
D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang
R.O.A. | Rang | R.O.E. | Rang
CBNA | 0.5040353957324043 | 1 | CBNA | 25194.514285714286 | 1 | CBNA | 334693.71428571426 | 1
CBNA | 0.01655369792865371 | 1 | CBNA | 0.18838505770873512 | 1 | BNC | 0.51126746266076 | 2 | UNIBK | 10681.809571976626 | 2 | SOGEBL | 164064.32478613337 | 2
BNC | 0.013069108924284001 | 2 | BPH | -0.2664609483969341 | 2 | SOGEBK | 0.5719697363508162 | 3 | BNC | 10326.73605015674 | 3 | UNIBK | 159768.58544999722 | 3
BPH | -0.02821149031739372 | 3 | SCOTIA | 0 | 3 | SOGEBL | 0.6101101926641512 | 4 | SOGEBL | 9308.394568748905 | 4 | SOGEBK | 149986.74074834638 | 4
SCOTIA | 0 | 4 | BNC | 0.12919440327699128 | 4 | UNIBK | 0.6981800297986752 | 5 | SOGEBK | 9195.82285891138 | 5 | BNC | 148162.11535690282 | 5
SOGEBL | 0.006608745901828573 | 5 | SOGEBL | 0.0711860155793014 | 5 | CAPITALBK | 0.7948463173958781 | 6 | CAPITALBK | 5809.753866845998 | 6 | BUH | 97719.1445781053 | 6
PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | BPH | 1.466785171396581 | 7 | BPH | 1663.8171107200003 | 7 | CAPITALBK | 65826.36180228648 | 7
SOCABK | #REF! | 7 | SOCABK | #REF! | 7 | BUH | 17.76323878139477 | 8 | BUH | 364.76009234888767 | 8 | BPH | 46000.584177918085 | 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.23 | Sept.22 | Sept. 21 | Sept. 20
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
BILAN - ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.juin. 24 | 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 | -0.07440941555839839 | 25941905.15904365 | -0.0628599811563353 | 24311197.48958673 | 0 | 0 | -0.15745706439291432 | 28854550.26938128 | 0.4348459059883045 | 20109859.98493449 | 0.10936239656836208 | 18127403.675427593 | 0.11268819226386657 | 16291539.535928499
Avoirs à la BRH | 233483235.36568993 | 0.0590838819890229 | 247278331.29045162 | 0.006416173626809613 | 248864911.9981589 | 0 | 0 | 0.05153330185565459 | 236668597.71248683 | 0.03242910831152402 | 229234720.14416966 | 0.17799247816585675 | 194597779.18199432 | 0.5581389565547891 | 124891158.36771753
Avoirs à l'étranger | 35451129.04751848 | 0.006542536463091733 | 35683069.35196964 | -0.05595982013497613 | 33686251.20916954 | 0 | 0 | -0.016318299294722387 | 34245072.5524499 | -0.055013371180941545 | 36238684.768741824 | -0.11607028552863714 | 40997246.9252428 | 0.8490523297910515 | 22172031.72928892
Avoirs dans les banques locales | 659762.8277465475 | -0.1335769098031196 | 571633.7480131958 | 0.02239645795447372 | 584436.3192159316 | 0 | 0 | -0.2164238777717971 | 745857.7445596596 | -0.04674204596827713 | 782430.1296465644 | 1.571935597492979 | 304218.3989401781 | 0.26425196145166263 | 240631.14649303202
Autres liquidités | 3524740.83813081 | -0.27343222998403216 | 2560963.090644916 | -0.18116045974228465 | 2097017.839760661 | 0 | 0 | -0.5956619364147319 | 5186298.369157706 | 1.0609117460415234 | 2516506.773819519 | 0.46681532692001537 | 1715626.178452622 | -0.18554549139354778 | 2106472.68855825
301146276.3037428 | 0.03616058770521428 | 312035902.640123 | -0.0079865418150469 | 309543814.85589176 | 0 | 0 | 0.012572566151207118 | 305700376.6480354 | 0.05821810669488948 | 288882201.801312 | 0.12958329835839766 | 255742274.3600575 | 0.5433883198973005 | 165701833.4679862
Bons B.R.H. | 1600000 | 1.1875 | 3500000 | 1.4142857142857144 | 8450000 | 0 | 0 | 2.3137254901960786 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000 | 0.5061728395061729 | 4050000
Bons du Trésor / M.E.F. | 36270000 | 0.06484698097601324 | 38622000 | -0.0991921702656517 | 34791000 | 0 | 0 | 0.0027669693039342846 | 34695000 | -0.13186538220943325 | 39965000 | 0.5110783424077435 | 26448000 | 0.10420841683366733 | 23952000
Autres Placements | 123899296.18267074 | 0.03432728087795679 | 128152422.12331444 | 0.04028275581645582 | 133314754.85099529 | 0 | 0 | 0.116499272588827 | 119404246.9386284 | 0.21579026599419945 | 98211221.35814014 | 0.33329401187026897 | 73660588.35018319 | 0.4717288979450937 | 50050378.47189929
Portefeuille net | 126356471.21989949 | -0.02110328363616359 | 123689934.76848121 | -0.042826495080284306 | 118392728.38563816 | 0 | 0 | -0.12411523770472933 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 | 0.21214832567877856 | 107619815.11262012
Immobilisations | 21547441.51114 | -0.005003086134577138 | 21439637.805280004 | 0.01767099496898651 | 21818497.537074 | 0 | 0 | 0.07412910788217576 | 20312732.77762 | 0.4541137359541169 | 13969149.919549998 | 0.04526091416921278 | 13364270.80568 | 0.030057953242254312 | 12974290.197570002
Autres actifs | 20130737.253288224 | 0.014192544054191925 | 20416443.62859888 | -0.06154678939859685 | 19159877.07232118 | 0 | 0 | 0.07860923624135822 | 17763501.7655586 | -0.05815956312135178 | 18860415.278439935 | 0.3021256224470254 | 14484328.511251023 | 0.3738481441274274 | 10542889.018094834
630950222.4707414 | 0.02679469456220079 | 647856340.9657975 | -0.003682403201179906 | 645470672.7019204 | 0 | 0 | 0.015537432199640211 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 | 0.3877376476887633 | 374891206.2681705
PASSIF
Dépôts
À vue | 240451742.85101944 | 0.025717738893849998 | 246635617.99023312 | 0.0003715765195804076 | 246727261.9947705 | 0 | 0 | 0.001965335813735065 | 246243311.19638354 | 0.04610915868696442 | 235389690.5992665 | 0.1810964519041873 | 199297602.0034321 | 0.4990879970594297 | 132945899.36972937
Épargne | 175957628.65959236 | 0.02140215537569606 | 179723501.167704 | 0.005725078864285002 | 180752432.3856545 | 0 | 0 | 0.0075551281546892045 | 179397064.5722362 | 0.04299503188823448 | 172001839.97756577 | 0.20970385870819858 | 142185080.04202008 | 0.45749917098703513 | 97554141.28004664
À terme | 94185722.32372573 | 0.026219576626863358 | 96655232.08734913 | 0.03135933231380802 | 99686275.63024455 | 0 | 0 | 0.07341059990759055 | 92868726.69119021 | 0.0008509429760196925 | 92789767.88995776 | 0.1266144747918965 | 82361597.48178053 | 0.3052412843890737 | 63100668.41038543
510595093.8343375 | 0.024323103690021317 | 523014351.2452862 | 0.007937867776473793 | 527165970.0106695 | 0 | 0 | 0.01669569060560612 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 | 0.4436078198993148 | 293600709.0601615
0 | 0 | 0 | 0 | 0 | 0
Obligations à vue
Banques locales | 1250000 | 0 | 1250000 | 0 | 1250000 | 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 | 0.2046534233088562 | 37767567.855687864 | -0.11281845762646543 | 33506689.101906285 | 0 | 0 | 0.10878243115271855 | 30219354.27590774 | 0.28598038834438205 | 23499078.640548505 | 0.4066237528633815 | 16706015.800396381 | 0.22279379640350863 | 13662169.246795539
32601397.1113373 | 0.19680661912858047 | 39017567.855687864 | -0.10920410953191798 | 34756689.101906285 | 0 | 0 | 0.1259286083943923 | 30869354.27590774 | 0.26002102890578793 | 24499078.640548505 | 0.440612482553231 | 17006015.800396383 | 0.20934512321217313 | 14062169.246795539
Obligations à terme
Banques locales | 7957189.363190001 | 0.05519977699561913 | 8396424.441550002 | -0.0279467783844767 | 8161771.42846 | 0 | 0 | -0.20649713607121487 | 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 | -0.225320266694746 | 12200130.542603474 | 0.04288721050635488 | 12723360.109389119 | 0 | 0 | -0.14918512321736938 | 14954322.56368471 | 0.2504686971211595 | 11958973.941621 | 0.20992854969449307 | 9884033.189100828 | 0.37958104541362175 | 7164517.968668834
23705801.36127379 | -0.1311597245642847 | 20596554.984153476 | 0.014010913665788743 | 20885131.53784912 | 0 | 0 | -0.17254074167704647 | 25240072.33924471 | -0.1806223061738724 | 30803953.450801 | 0.007705997583081588 | 30568393.484490827 | 0.1614785314705818 | 26318517.868588835
0 | 0 | 0 | 0
Autres passifs | 10422914.653132273 | 0.007509794773073829 | 10501188.60311456 | -0.04983858035346158 | 9977824.27111138 | 0 | 0 | 0.0005985324378414302 | 9971855.791954419 | 0.04136867735531761 | 9575720.884249331 | 0.09104402553527072 | 8776658.558348682 | 0.4371087499240954 | 6107163.8168038735
577325206.9600809 | 0.02737530864342484 | 593129662.6882422 | -0.0005800548992047739 | 592785614.9215362 | 0 | 0 | 0.014018756152626375 | 584590384.8669169 | 0.03456328822870118 | 565060051.4423889 | 0.1767295425427094 | 480195347.37046856 | 0.4119714799617799 | 340088559.9923497
0 | 0 | 0 | 0 | 0 | 0
AVOIR DES ACTIONNAIRES
Capital versé | 21876042.76157 | 0.0013483242980223144 | 21905538.76157 | -0.0005135687427024825 | 21894288.76157 | 0 | 0 | 0.00049105394483343 | 21883542.76157 | 0.4007524558119212 | 15622705.26157 | 0.08369008875558102 | 14416211.26157 | -0.0009105399908589126 | 14429349.76157
Réserves | 9703758.89786 | 0.08237377919769628 | 10503094.1907 | -0.002245984026391806 | 10479504.40892 | 0 | 0 | 0.3515001918520004 | 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 | 1253740.31161 | 0 | 1253740.31161 | 0 | 0 | -0.12900830653462425 | 1439440.03257 | 0.10354541335050162 | 1304377.70404 | -0.10000497777305484 | 1449316.57601 | 0.08306599211208662 | 1338160.9122300001
BNR | 20791473.54135 | 0.013122277312701425 | 21064305.02289929 | -0.09526926029134994 | 19057524.264816307 | 0 | 0 | -0.0436718806386635 | 19927809.1682 | -0.0013569767384824854 | 19954887.486337997 | 0.16730818331487665 | 17094789.33804 | 0.32093653046427917 | 12941416.142100008
53625015.512389995 | 0.02054382201781837 | 54726678.286779284 | -0.03730576391215382 | 52685057.7469163 | 0 | 0 | 0.032943713331953305 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 | 0.15092665615592596 | 34802646.32275001
630950222.4724709 | 0.02679469457400538 | 647856340.9750215 | -0.003682403267024535 | 645470672.6684525 | 0 | 0 | 0.015537432154875188 | 635595156.0533069 | 0.041613920987642654 | 610202247.9218069 | 0.1729005216943731 | 520250640.72808856 | 0.38773764752116596 | 374891206.3150997
Hors-bilan
Effets à l'encaissement | 1646900.680897493 | 0.005392876476450866 | 1655782.212838556 | -0.003349167556046603 | 1650236.720771438 | 0 | 1689770.930555273 | 1537300.341460401 | 1267194.203952186 | 842980.4345114
Crédit documentaire | 3781390.06579342 | 0.03359696999804432 | 3908433.3143847845 | -0.052233542169337226 | 3704281.9980418244 | 0 | 4533183.750797793 | 4188643.145419392 | 3567610.27823485 | 2172312.9430766744
Autres | 22754133.801268972 | 0.0252451886996125 | 23328566.20277824 | -0.08566160362249597 | 21330203.811634693 | 0 | 21247677.55485199 | 151487184.2710981 | 20774183.971271355 | 14917365.835079007
Portefeuille brut | 136501410.65060127 | -0.01907088310533512 | 133898208.2043703 | -0.03954089921309292 | 128603752.64894757 | 0 | 0 | -0.112819277507425 | 144957785.24992 | -0.08839985269419076 | 159014657.55390215 | 0.1484936095543595 | 138454978.09570163 | 0.218078583345102 | 113666704.25768009
Provisions pour créances douteuses | 10144939.430701781 | 0.006242916048923974 | 10208273.43588907 | 0.00026947038964069775 | 10211024.263309399 | 0 | 0 | 0.04316672514494843 | 9788487.321516676 | 0.030323922697532462 | 9500397.987352408 | 0.18698601951706315 | 8003799.397079452 | 0.32362264382143874 | 6046889.145059981
Portefeuille de crédit improductif | 11976326.76525448 | 0.4325823560829554 | 17157074.414587624 | -0.09894190811385348 | 15459520.73435695 | 0 | 0 | 0.25372785848235385 | 12330842.478901925 | 0.16178839573459877 | 10613673.30244776 | 0.3673656740786397 | 7762132.327622954 | 0.352540387218065 | 5738928.316653286
Graphe Dépots US | 345871980.91375756 | 0.03589841185286601 | 358288235.73296624 | 0.011649535559057927 | 362462127.27552956 | -1 | -1 | 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 | 3500000 | 8450000 | 0
immobilisations/Avoir des Actionnaires | 0.40181697488108864 | 0.3917584343952286 | 0.41413065620775663 | #DIV/0!
liquidites/actif | 0.5373106534081042 | 0.5466611658259901 | 0.546554366876415 | #DIV/0!
liquidites/depot | 0.6639630509527313 | 0.6771475807439709 | 0.6692101442905194 | #DIV/0!
comm/sal | 0.6709322039480677 | 0.5445841692223592 | 0.5827611762116525 | #DIV/0!
[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 | 25941905.15904365 | 0.040042681561734086 | 24311197.48958673 | 0.03766429447184766 | 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 | 247278331.29045162 | 0.3816869815950543 | 248864911.9981589 | 0.38555572316929293 | 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 | 35683069.35196964 | 0.05507867577366733 | 33686251.20916954 | 0.05218866268262805 | 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 | 571633.7480131958 | 0.0008823464584154996 | 584436.3192159316 | 0.0009054420966478603 | 0 | 0 | 745857.7445596596 | 0.0011734792775722625 | 782430.1296465644 | 0.0012822472095252355 | 304218.3989401781 | 0.0005847535305593619 | 240631.14649303202 | 0.000641869274257934
Autres liquidités | 3524740.83813081 | 0.005586400816736791 | 2560963.090644916 | 0.003952979894936488 | 2097017.839760661 | 0.003248819703895467 | 0 | 0 | 5186298.369157706 | 0.00815975125002752 | 2516506.773819519 | 0.004124053594330549 | 1715626.178452622 | 0.003297691620445056 | 2106472.68855825 | 0.005618890636371528
301146276.3037428 | 0.47729007071981444 | 312035902.640123 | 0.48164366528380775 | 309543814.85589176 | 0.479562942124312 | 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 | 3500000 | 0.005402432265743273 | 8450000 | 0.013091222200117257 | 0 | 0 | 2550000 | 0.0040119877813642735 | 800000 | 0.0013110407290725843 | 6100000 | 0.011725117707668715 | 4050000 | 0.01080313416875113
Bons du Trésor / M.E.F. | 36270000 | 0.05748472495654271 | 38622000 | 0.05961506827643905 | 34791000 | 0.053900202551985736 | 0 | 0 | 34695000 | 0 | 39965000 | 0.06549467842173229 | 26448000 | 0.050837034939741337 | 23952000 | 0
Autres Placements | 123899296.18267074 | 0.19636936761428314 | 128152422.12331444 | 0.1978099372034703 | 133314754.85099529 | 0.2065388258353301 | 0 | 0 | 119404246.9386284 | 0 | 98211221.35814014 | 0.16094863906560625 | 73660588.35018319 | 0.14158673259377522 | 50050378.47189929 | 0.13350640835276573
Portefeuille net | 126356471.21989949 | 0.20026377156204098 | 123689934.76848121 | 0.19092185558312103 | 118392728.38563816 | 0.1834207709082271 | 0 | 0 | 135169297.92840332 | 0.2126657143938593 | 149514259.56654975 | 0.24502410483609624 | 130451178.69862218 | 0.2507467910402411 | 107619815.11262012 | 0.2870694572537841
Immobilisations | 21547441.51114 | 0.034150778847120866 | 21439637.805280004 | 0.033093197441455426 | 21818497.537074 | 0.033802461459236315 | 0 | 0 | 20312732.77762 | 0.031958602239187846 | 13969149.919549998 | 0.022892655618813824 | 13364270.80568 | 0.025688139061271903 | 12974290.197570002 | 0.03460814759226206
Autres actifs | 20130737.253288224 | 0.03190542856845055 | 20416443.62859888 | 0.03151384394596322 | 19159877.07232118 | 0.02968357492079156 | 0 | 0 | 17763501.7655586 | 0.02794782432849561 | 18860415.278439935 | 0.030908465746571998 | 14484328.511251023 | 0.027841058477206592 | 10542889.018094834 | 0.028122529528081815
630950222.4707414 | 1 | 647856340.9657975 | 1 | 645470672.7019204 | 1 | 0 | 0 | 635595156.0582457 | 1 | 610202247.9239918 | 1 | 520250640.72579384 | 1 | 374891206.2681705 | 1
PASSIF
Dépôts
À vue | 240451742.85101944 | 0.38109463201301863 | 246635617.99023312 | 0.3806949201462764 | 246727261.9947705 | 0.38224395379882675 | 0 | 0 | 246243311.19638354 | 0.3874216297108122 | 235389690.5992665 | 0.38575683947429046 | 199297602.0034321 | 0.38307997415513995 | 132945899.36972937 | 0.35462528100653645
Épargne | 175957628.65959236 | 0.2788771956851983 | 179723501.167704 | 0.27741258332021507 | 180752432.3856545 | 0.2800319829079614 | 0 | 0 | 179397064.5722362 | 0.28225052199075656 | 172001839.97756577 | 0.2818767721075172 | 142185080.04202008 | 0.2733011147158989 | 97554141.28004664 | 0.2602198708557153
À terme | 94185722.32372573 | 0.149275995109255 | 96655232.08734913 | 0.14919238413759986 | 99686275.63024455 | 0.1544396668139249 | 0 | 0 | 92868726.69119021 | 0.14611301833565227 | 92789767.88995776 | 0.1520639561811576 | 82361597.48178053 | 0.15831138115827997 | 63100668.41038543 | 0.16831728073463453
510595093.8343375 | 0.8092478228074719 | 523014351.2452862 | 0.8072998876040913 | 527165970.0106695 | 0.816715603520713 | 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 | 1250000 | 0.0019294400949083118 | 1250000 | 0.0019365713313782924 | 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 | 37767567.855687864 | 0.0582962077663476 | 33506689.101906285 | 0.05191047481932574 | 0 | 0 | 30219354.27590774 | 0.04754497259437649 | 23499078.640548505 | 0.03851031149179838 | 16706015.800396381 | 0.03211147568620015 | 13662169.246795539 | 0.0364430240516834
32601397.1113373 | 0.051670315581589486 | 39017567.855687864 | 0.06022564786125591 | 34756689.101906285 | 0.053847046150704035 | 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 | 8396424.441550002 | 0.012960318377115762 | 8161771.42846 | 0.012644682049294472 | 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 | 12200130.542603474 | 0.018831536825611714 | 12723360.109389119 | 0.019711755541316114 | 0 | 0 | 14954322.56368471 | 0.02352806251140514 | 11958973.941621 | 0.01959837739422854 | 9884033.189100828 | 0.018998598781755967 | 7164517.968668834 | 0.01911092564690314
23705801.36127379 | 0.037571587293279834 | 20596554.984153476 | 0.031791855202727475 | 20885131.53784912 | 0.03235643759061059 | 0 | 0 | 25240072.33924471 | 0.03971092620619613 | 30803953.450801 | 0.050481546988070114 | 30568393.484490827 | 0.05875705110491612 | 26318517.868588835 | 0.0702030813967998
Autres passifs | 10422914.653132273 | 0.016519392944053694 | 10501188.60311456 | 0.01620913146803475 | 9977824.27111138 | 0.015458214746371844 | 0 | 0 | 9971855.791954419 | 0.015689005331312816 | 9575720.884249331 | 0.015692700111852267 | 8776658.558348682 | 0.01687005814371415 | 6107163.8168038735 | 0.016290496321845552
577325206.9600809 | 0.9150091186263949 | 593129662.6882422 | 0.9155265221361095 | 592785614.9215362 | 0.9183773020083993 | 0 | 0 | 584590384.8669169 | 0.919752737721219 | 565060051.4423889 | 0.9260209272660268 | 480195347.37046856 | 0.9230077000973133 | 340088559.9923497 | 0.9071660105814127
AVOIR DES ACTIONNAIRES
Capital versé | 21876042.76157 | 0.03467158261059879 | 21905538.76157 | 0.03381233982971306 | 21894288.76157 | 0.03391988154925952 | 0 | 0 | 21883542.76157 | 0.034430002420541735 | 15622705.26157 | 0.025602503620268537 | 14416211.26157 | 0.02771012687549632 | 14429349.76157 | 0.03848943245483403
Réserves | 9703758.89786 | 0.015379595017592668 | 10503094.1907 | 0.016212072841708117 | 10479504.40892 | 0.01623544624429351 | 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 | 1253740.31161 | 0.0019352134606585398 | 1253740.31161 | 0.0019423660355657702 | 0 | 0 | 1439440.03257 | 0.002264712087324483 | 1304377.70404 | 0 | 1449316.57601 | 0 | 1338160.9122300001 | 0.003569464660296073
BNR | 20791473.54135 | 0.03295263683390515 | 21064305.02289929 | 0.032513851746048344 | 19057524.264816307 | 0.029525004110631543 | 0 | 0 | 19927809.1682 | 0.03135299093810876 | 19954887.486337997 | 0.03270208779831244 | 17094789.33804 | 0.03285875691415068 | 12941416.142100008 | 0.034520458004135314
53625015.512389995 | 0.08499088137634615 | 54726678.286779284 | 0.08447347787812805 | 52685057.7469163 | 0.08162269793975034 | 0 | 0 | 51004771.18639 | 0.08024726227101067 | 45142196.479417995 | 0.07397907273039252 | 40055293.35762 | 0.07699229990709759 | 34802646.32275001 | 0.09283398954376826
630950222.4724709 | 1.0000000000027411 | 647856340.9750215 | 1.0000000000142377 | 645470672.6684525 | 0.9999999999481496 | 0 | 0 | 635595156.0533069 | 0.9999999999922298 | 610202247.9218069 | 0.9999999999964194 | 520250640.72808856 | 1.0000000000044107 | 374891206.3150997 | 1.000000000125181
[sofibilgdes&$ ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER
BILAN
DEVISES ET GOURDES
(En milliers de gourdes)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 6566061.794226733 | 17745135.695359997 | 24311197.48958673 | 0.27008384910036576 | 6209441.218881281 | 22645109.050499998 | 28854550.269381277 | 0.21519798994997225
Avoirs à la BRH | 170549966.47169888 | 78314945.52645999 | 248864911.99815887 | 0.6853114209726786 | 169419432.62348685 | 67249165.089 | 236668597.71248686 | 0.7158509166868998
Avoirs à l'étranger | 33686251.20916953 | 0 | 33686251.20916953 | 1 | 34245072.5524499 | 0 | 34245072.5524499 | 1
Avoirs dans les banques locales | 399006.7538759295 | 185429.56534000215 | 584436.3192159317 | 0.6827206673452964 | 439678.94787965657 | 306178.7966800032 | 745857.7445596597 | 0.5894943789036268
Autres liquidités | 1142220.9001206611 | 954796.93964 | 2097017.8397606611 | 0.5446882131680034 | 2464544.748737706 | 2721753.6204199996 | 5186298.369157705 | 0.4752030394923011
212343507.12909177 | 97200307.7268 | 309543814.85589176 | 0.6859885319561251 | 212778170.09143534 | 92922206.55659999 | 305700376.64803535 | 0.696035027580012
Bons B.R.H. | 0 | 8200000 | 8200000 | 0 | 0 | 2550000 | 2550000 | 0
Bons du Trésor / M.E.F. | 0 | 34791000 | 34791000 | 0 | 0 | 34695000 | 34695000 | 0
Autres Placements | 103166238.60965511 | 30398516.24134017 | 133564754.85099529 | 0.7724061540392694 | 93132748.02911003 | 26271498.90951839 | 119404246.93862842 | 0.7799785218441899
Portefeuille net | 68777490.78396541 | 49615237.60167275 | 118392728.38563816 | 0.580926647453701 | 73185191.57928632 | 61984106.349116996 | 135169297.92840332 | 0.5414335407590204
Immobilisations | 0 | 21818497.537074 | 21818497.537074 | 0 | 0 | 20312732.777620003 | 20312732.777620003 | 0
Autres actifs | 5127107.2829829175 | 14032769.789338263 | 19159877.07232118 | 0.2675960426901517 | 5317266.004781496 | 12446235.755530002 | 17763501.7603115 | 0.29933658782649014
389414343.80569524 | 256056328.89622515 | 645470672.7019204 | 0.6033029233932795 | 384413375.7046132 | 251181780.3483854 | 635595156.0529985 | 0.6048085358167192
PASSIF
Dépôts
À vue | 168517988.5719005 | 78209273.42287 | 246727261.99477047 | 0.6830132479461161 | 164611336.44935223 | 81631974.7470313 | 246243311.19638354 | 0.6684905902604261
Épargne | 115893413.07172453 | 64859019.31393 | 180752432.38565454 | 0.6411720801878539 | 117763876.33376624 | 61633188.23847 | 179397064.57223624 | 0.6564426046466735
À terme | 78050725.63190456 | 21635549.998340003 | 99686275.63024455 | 0.7829636039509552 | 73790014.44438021 | 19078712.246810004 | 92868726.69119021 | 0.7945625731442287
362462127.27552956 | 164703842.73514 | 527165970.0106696 | 0.6875673846477486 | 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 | 14733085.487427484 | 18773594.366935212 | 33506679.854362696 | 0.4397059198782174 | 14269062.117216054 | 15950292.14501 | 30219354.262226053 | 0.4721828929035809
14733085.487427484 | 20023594.366935212 | 34756679.8543627 | 0.4238921999788818 | 14269062.117216054 | 16600292.14501 | 30869354.262226053 | 0.46224038235476467
Obligations à terme
Banques locales | 0 | 8161771.428459999 | 8161771.428459999 | 0 | 0 | 10285749.17556 | 10285749.17556 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0.64 | 0 | 0.64 | 1
Autres | 6832356.481947912 | 5891012.874984799 | 12723369.35693271 | 0.5369927014046084 | 7966240.995284712 | 6988081.60287 | 14954322.598154712 | 0.5327049047522692
6832356.481947912 | 14052784.303444799 | 20885140.78539271 | 0.3271395942289522 | 7966241.635284712 | 17273830.77843 | 25240072.41371471 | 0.31561881062417596
Autres passifs | 5107168.594706537 | 4870655.677314845 | 9977824.272021383 | 0.5118519283835702 | 5873982.679746352 | 4097873.082853847 | 9971855.762600198 | 0.5890561215071857
389134737.8396115 | 203650877.08283487 | 592785614.9224465 | 0.6564510474676778 | 384274513.6597458 | 200315871.23860514 | 584590384.8983511 | 0.6573397777087348
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 21894288.76157 | 21894288.76157 | 0 | 0 | 21883542.76157 | 21883542.76157 | 0
Réserves | 0 | 10479504.408920001 | 10479504.408920001 | 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 | 19057524.264816307 | 19057524.264816307 | 0 | 0 | 19927809.1682 | 19927809.1682 | 0
0 | 52685057.74691631 | 52685057.74691631 | 0 | 0 | 51004771.18639 | 51004771.18639 | 0
389134737.8396115 | 256335934.8297512 | 645470672.6693627 | 0.6028697419052883 | 384274513.6597458 | 251320642.42499512 | 635595156.0847409 | 0.6045900601679732
*Converties au taux de 132.0563 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 | -0.11494310118318696 | 3792045.9236500002 | -0.006058314284307894 | 3769072.517664 | 0 | 0 | 4074699.4468300003 | 0.04659452839097218 | 4264558.145889999 | 0.017277490102991976 | 4338239.007049248 | 0.22913522343179388 | 5332282.371230001
Intérêts sur Bons B.R.H. | 177151.97251999998 | 0.2546270216376367 | 222259.65166000003 | 0.6805110719842832 | 373509.80547 | 0 | 0 | 204125.71977000003 | -0.1404843938446928 | 175449.24175999995 | -0.7928109674037497 | 36351.15867000004 | 1.5157808665800059 | 91451.54946
Autres | 2327711.51646864 | 0.049744822527995516 | 2443503.1127517438 | 0.003211635300753878 | 2451350.7536061592 | 0 | 0 | 1792473.8165573 | 0.1299442776392953 | 2025395.531837189 | 0.05149131167102336 | 2129685.804424116 | 0.16544770083787352 | 2482037.424273143
6789385.68040864 | -0.04883755437604465 | 6457808.688061744 | 0.02107903706253511 | 6593933.076740159 | 0 | 0 | 6071298.9831573 | 0.06491262206377763 | 6465402.919487188 | 0.006012471479389023 | 6504275.970143363 | 0.21547292600330592 | 7905771.3449631445
Dépenses d'intérêt | 1045951.56074 | -0.06610676039156639 | 976807.0915329759 | 0.06248377024089572 | 1037841.68141 | 0 | 0 | 883607.6651049871 | 0.1463936429916058 | 1012962.2101750129 | -0.03203079140475251 | 980516.22892 | -0.036417081258687936 | 944808.6897359581
5743434.11966864 | -0.04569261484886891 | 5481001.596528769 | 0.013700014035563568 | 5556091.395330159 | 0 | 0 | 5187691.318052313 | 0.05103414506151837 | 5452440.7093121745 | 0.013080203107827216 | 5523759.741223363 | 0.26018563104367054 | 6960962.655227186
AUTRES REVENUS
Commissions | 1961211.5126999998 | -0.18687093910408914 | 1594718.0755399996 | 0.09118497920893187 | 1740132.4101022223 | 0 | 0 | 1624429.3434400002 | 0.15039729035098195 | 1868739.115060001 | 0.03375783565592755 | 1931823.70299 | 0.14664208992856875 | 2215110.36817
Gains sur change | 1186051.5796605824 | -0.1657552545696512 | 989457.2981412056 | -0.014266138053164687 | 975341.5637282118 | 0 | 0 | 1628412.479170338 | -0.2035357666291961 | 1296972.2968338535 | 0.03842937034801734 | 1346814.1255600003 | -0.37841386746674394 | 837160.9835479998
Autres | 721626.1488292546 | 0.16069209373973947 | 837585.7655819723 | -0.5291013382417191 | 394418.0161203359 | 0 | 0 | 2039244.53943 | -0.19841262196550452 | 1634632.683532856 | -0.8984268355775771 | 166034.8143347493 | -1.3360083607619935 | -55789.08579404105
3868889.2411898365 | -0.11557014792937034 | 3421761.1392631778 | -0.09114287544324727 | 3109891.98995077 | 0 | 0 | 5292086.362040338 | -0.09292030268834066 | 4800344.09542671 | -0.2824113075213732 | 3444672.6428847495 | -0.1301111668438404 | 2996482.265923959
PRODUIT NET BANCAIRE | 9612323.360858478 | -0.07381780641669558 | 8902762.735791946 | -0.026596165430657587 | 8665983.38528093 | 0 | 0 | 10479777.680092651 | -0.021660085002085633 | 10252784.804738885 | -0.1252686411634367 | 8968432.384108113 | 0.11027708017239936 | 9957444.921151146
Dotation à la provision pour créances douteuses | 979920.3727152854 | -0.16511045132223182 | 818125.277716415 | 0.09187698496103694 | 893292.1615534102 | 0 | 0 | 921600.13689 | -0.31819826109778115 | 628348.5759041249 | 0.2051837925877449 | 757275.5197752417 | -0.5013737909416004 | 377597.4216382579
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 8632402.988143193 | -0.06345458278766997 | 8084637.458075531 | -0.03858506160179345 | 7772691.22372752 | 0 | 0 | 9558177.543202652 | 0.006932146356627158 | 9624436.22883476 | -0.14684282080520317 | 8211156.8643328715 | 0.1666866993036332 | 9579847.499512888
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 2923114.28958 | 0.0017817332078206784 | 2928322.49938 | 0.019700847666954367 | 2986012.9348600004 | 0 | 0 | 2467695.2821400003 | 0.09345996244317308 | 2698325.99053 | 0.11711967305252344 | 3014353.04833 | 0.09018666816105418 | 3286207.50642
Frais de locaux | 354660.94539999997 | 0.06471393049526342 | 377612.44917 | 0.07498431275832397 | 405927.45915999997 | 0 | 0 | 358131.83571 | 0.1257153942785959 | 403154.52064 | 0.06604984118180818 | 429782.8127 | 0.03142004496449236 | 443286.608
Amortissement | 401527.75710999995 | 0.025931737334780457 | 411940.06944 | 0.009654415957657415 | 415917.11022000003 | 0 | 0 | 319120.95514 | 0.026154790241420256 | 327467.49678332836 | 0.06436468322417238 | 348544.83848 | 0.14800640246164523 | 400131.70612
Autres dépenses d'exploitation | 2585481.361933655 | 0.004115518501245664 | 2596121.958313319 | 0.002826152142294562 | 2603458.993947464 | 0 | 0 | 2183631.8167256 | 0.17753984350755353 | 2571313.467745178 | 0.04503776648202221 | 2687119.683257564 | 0.09675111979898571 | 2947101.521646629
6264784.354023656 | 0.007855437553577573 | 6313996.9763033185 | 0.015413298778791022 | 6411316.498187465 | 0 | 0 | 5328579.889715601 | 0.12605264439767178 | 6000261.475698506 | 0.07991966833632576 | 6479800.382767564 | 0.0921211957403098 | 7076727.342186629
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2367618.6341195367 | -0.2521428678353543 | 1770640.4817722123 | -0.23113995215026842 | 1361374.725540055 | 0 | 0 | 4229597.653487051 | -0.14313959623361877 | 3624174.753136253 | -0.5222756628755157 | 1731356.4815653078 | 0.44575665611232496 | 2503120.1573262597
Impôts sur le revenu | 483383.99535077263 | -0.456650113465804 | 262646.63902628864 | 0.2585865477456239 | 330563.5266890877 | 0 | 0 | 647052.5536985113 | -0.012746136734627529 | 638805.1333745802 | -0.3363673330605001 | 423931.9543160156 | -0.01388006001245931 | 418047.75334891013
0
BÉNÉFICE NET | 1884234.6387687642 | -0.1996783140918647 | 1507993.8427459237 | -0.31643540601336206 | 1030811.1988509672 | 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- juin. 24) | 2023 (oct22.- juin. 23)
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 | 3792045.9236500002 | -0.1107998076413582 | 4264558.145889999 | 3769072.517664 | -0.13119758696106956 | 4338239.007049248 | 0 | 0 | 5332282.371230001 | 11845640.632733999 | -0.0656167375387338 | 12677496.599769248 | 18009778.97099925
Intérêts sur Bons B.R.H. | 177151.97251999998 | -0.13214281512585915 | 204125.71977000003 | 222259.65166000003 | 0.2668031473400886 | 175449.24175999995 | 373509.80547 | 9.275045394309561 | 36351.15867000004 | 0 | 0 | 91451.54946 | 772921.4296500001 | 0.85831423445668 | 415926.1202 | 507377.66966
Autres | 2327711.51646864 | 0.2986027996433107 | 1792473.8165573 | 2443503.1127517438 | 0.20643255815583783 | 2025395.531837189 | 2451350.7536061592 | 0.1510386877321672 | 2129685.804424116 | 0 | 0 | 2482037.424273143 | 7222565.3828265425 | 0.21437552023434323 | 5947555.152818605 | 8429592.577091748
6789385.68040864 | 0.11827562754583826 | 6071298.9831573 | 6457808.688061744 | -0.0011745952294100815 | 6465402.919487188 | 6593933.076740159 | 0.013784333107689414 | 6504275.970143363 | 0 | 0 | 7905771.3449631445 | 19841127.44521054 | 0.04202250418904198 | 19040977.872787856 | 26946749.217750996
Dépenses d'intérêt | 1045951.56074 | 0.18372848272623774 | 883607.6651049871 | 976807.0915329759 | -0.03569246540380849 | 1012962.2101750129 | 1037841.68141 | 0.0584645626448648 | 980516.22892 | 0 | 0 | 944808.6897359581 | 3060600.3336829757 | 0 | 2877086.1042 | 3821894.7939359583
5743434.11966864 | 0.10712719156639743 | 5187691.318052313 | 5481001.596528769 | 0.005238183914190059 | 5452440.7093121745 | 5556091.395330159 | 0.0058531970291009075 | 5523759.741223363 | 0 | 0 | 6960962.655227186 | 16780527.111527562 | 0.03814894035222672 | 16163891.768587856 | 23124854.423815038
AUTRES REVENUS
Commissions | 1961211.5126999998 | 0.20732337212451926 | 1624429.3434400002 | 1594718.0755399996 | -0.146634186287262 | 1868739.115060001 | 1740132.4101022223 | -0.09922815036956291 | 1931823.70299 | 0 | 0 | 2215110.36817 | 5296061.998342222 | -0.023765963029957243 | 5424992.161490001 | 7640102.529660001
Gains sur change | 1186051.5796605824 | -0.2716516270712533 | 1628412.479170338 | 989457.2981412056 | -0.23710221062034112 | 1296972.2968338535 | 975341.5637282118 | -0.2758157601572018 | 1346814.1255600003 | 0 | 0 | 837160.9835479998 | 3150850.44153 | -0.26247571470130515 | 4272198.901564192 | 5109359.885112192
Autres | 721626.1488292546 | -0.6461306455031822 | 2039244.53943 | 837585.7655819723 | -0.4876000131284926 | 1634632.683532856 | 394418.0161203359 | 1.375513940860224 | 166034.8143347493 | 0 | 0 | -55789.08579404105 | 1953629.9305315628 | -0.4912305512325072 | 3839912.037297605 | 3784122.951503564
3868889.2411898365 | -0.2689293075523044 | 5292086.362040338 | 3421761.1392631778 | -0.2871841952906895 | 4800344.09542671 | 3109891.98995077 | -0.09718794429580876 | 3444672.6428847495 | 0 | 0 | 2996482.265923959 | 10400542.370403785 | -0.2317010298803516 | 13537103.100351797 | 16533585.366275758
PRODUIT NET BANCAIRE | 9612323.360858478 | -0.08277411465340404 | 10479777.680092651 | 8902762.735791946 | -0.13167369594287714 | 10252784.804738885 | 8665983.38528093 | -0.033723730733937106 | 8968432.384108113 | 0 | 0 | 9957444.921151146 | 27181069.481931347 | -0.08484313061322948 | 29700994.868939653 | 39658439.7900908
Dotation à la provision pour créances douteuses | 979920.3727152854 | 0.06328149648728448 | 921600.13689 | 818125.277716415 | 0.30202455944015183 | 628348.5759041249 | 893292.1615534102 | 0.1796131503346867 | 757275.5197752417 | 0 | 0 | 377597.4216382579 | 2691337.811985111 | 0.16648298591593255 | 2307224.2325693667 | 2684821.6542076245
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 8632402.988143193 | -0.09685680673695254 | 9558177.543202652 | 8084637.458075531 | -0.1599884641706077 | 9624436.22883476 | 7772691.22372752 | -0.05339876558806622 | 8211156.8643328715 | 0 | 0 | 9579847.499512888 | 24489731.66994624 | -0.10601092507390714 | 27393770.636370286 | 36973618.135883175
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 2923114.28958 | 0.1845523678454569 | 2467695.2821400003 | 2928322.49938 | 0.08523673924395785 | 2698325.99053 | 2986012.9348600004 | -0.009401723360075763 | 3014353.04833 | 0 | 0 | 3286207.50642 | 8837449.72382 | 0.08032339071981208 | 8180374.321 | 11466581.82742
Frais de locaux | 354660.94539999997 | -0.009691655317709946 | 358131.83571 | 377612.44917 | -0.0633555377959113 | 403154.52064 | 405927.45915999997 | -0.05550560151564674 | 429782.8127 | 0 | 0 | 443286.608 | 1138200.85373 | -0.04438727547802111 | 1191069.1690500001 | 1634355.7770500001
Amortissement | 401527.75710999995 | 0.2582306195901416 | 319120.95514 | 411940.06944 | 0.2579571208942414 | 327467.49678332836 | 415917.11022000003 | 0.19329585264785373 | 348544.83848 | 0 | 0 | 400131.70612 | 1229384.93677 | 0.23539725645368498 | 995133.2904033284 | 1395264.9965233284
Autres dépenses d'exploitation | 2585481.361933655 | 0.18402806834470684 | 2183631.8167256 | 2596121.958313319 | 0.009648178209052012 | 2571313.467745178 | 2603458.993947464 | -0.031133964680233016 | 2687119.683257564 | 0 | 0 | 2947101.521646629 | 7785062.314194438 | 0.04608900190383511 | 7442064.967728342 | 10389166.489374971
6264784.354023656 | 0.1756949287961267 | 5328579.889715601 | 6313996.9763033185 | 0.0522869714720706 | 6000261.475698506 | 6411316.498187465 | -0.010568826280856683 | 6479800.382767564 | 0 | 0 | 7076727.342186629 | 18990097.828514438 | 0.06634172875387301 | 17808641.74818167 | 24885369.0903683
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2367618.6341195367 | -0.44022603848203473 | 4229597.653487051 | 1770640.4817722123 | -0.5114362296575371 | 3624174.753136253 | 1361374.725540055 | -0.21369473009437942 | 1731356.4815653078 | 0 | 0 | 2503120.1573262597 | 5499633.8414318 | -0.426232666708448 | 9585128.888188615 | 12088249.045514874
Impôts sur le revenu | 483383.99535077263 | -0.2529447684152077 | 647052.5536985113 | 262646.63902628864 | -0.5888470124859205 | 638805.1333745802 | 330563.5266890877 | -0.22024390158928053 | 423931.9543160156 | 0 | 0 | 418047.75334891013 | 1076594.161066149 | -0.37033531201447845 | 1709789.641389107 | 2127837.394738017
BÉNÉFICE NET | 1884234.6387687642 | -0.47405138350387227 | 3582545.0997885396 | 1507993.8427459237 | -0.49487198075449385 | 2985369.619761673 | 1030811.1988509672 | -0.2115711634845152 | 1307424.5272492922 | 0 | 0 | 2085072.4039773494 | 4423039.680365652 | -0.43836836207873214 | 7875339.246799508 | 9960411.650776858
Marge nette en % Revenu d'intérêt | 0.8459431221062925 | -0.008518391392507652 | 0.8544615134988002 | 0.8487401626903637 | 0.005414421478145082 | 0.8433257412122186 | 0.842606579513076 | -0.006643939157891743 | 0.8492505186709678 | 0 | 0 | 0.8804912704263947 | 0.8457446361284385 | 0.8489002968533592
0
Frais d'exploitation en % Produit net bancaire | 0.6517450692029307 | 0.14328200325089702 | 0.5084630659520337 | 0.7092177073212382 | 0.12398534460499766 | 0.5852323627162406 | 0.7398256162222755 | 0.017313575628688183 | 0.7225120405935873 | 0 | 0 | 0.7106971113799053 | 0.6986516053438637 | 0.5995974823996679
9698502.09438983 | 64306.39438983053
[somfindétvan]
SOMMAIRE FINANCIER
RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 11845640.632733999 | -0.0656167375387338 | 12677496.599769248 | 18009778.97099925 | 0.24098209778402271 | 14512521.174285 | 0.14894066939830933 | 12631218.966149999 | -0.07801541666935259 | 13700032.727792498
Intérêts sur Bons B.R.H. | 772921.4296500001 | 0.85831423445668 | 415926.1202 | 507377.66966 | -0.32144906587356115 | 747737.0439599999 | 0.24988393343258522 | 598245.1841800001 | -0.41979894631794185 | 1031099.78926
Autres | 7222565.3828265425 | 0.21437552023434323 | 5947555.152818605 | 8429592.57709175 | 0.8803481196219355 | 4482995.722508347 | 0.21377301091073125 | 3693438.2971200002 | 0.1466233351360828 | 3221143.4949399997
19841127.44521054 | 0.04202250418904198 | 19040977.872787856 | 26946749.217750996 | 0.3648585637714176 | 19743253.94075335 | 0.1666588519351967 | 16922902.44745 | -0.05733944619918138 | 17952276.0119925
Dépenses d'intérêt | 3060600.3336829757 | 0.06378475403119838 | 2877086.1042 | 3821894.7939359583 | 0.18496613342748142 | 3225319.8518688753 | 0.08196661665972088 | 2980979.0821700003 | -0.2766428075641553 | 4121033.3060099995
16780527.111527562 | 0.03814894035222672 | 16163891.768587856 | 23124854.423815038 | 0.3999846651147861 | 16517934.088884473 | 0.18476724165760305 | 13941923.36528 | 0.00800222088862835 | 13831242.705982499
AUTRES REVENUS
Commissions | 5296061.998342222 | -0.023765963029957243 | 5424992.161490001 | 7640102.5296600005 | 0.22101637440058797 | 6257166.31639 | 0.21217951411545213 | 5161913.927374 | 0.00705841879223077 | 5125734.34773
Gains sur change | 3150850.44153 | -0.26247571470130515 | 4272198.901564192 | 5109359.885112192 | -0.1136533916917172 | 5764516.767164173 | 0.34233545924766406 | 4294393.57163 | 0.6900108598956237 | 2541044.9562999997
Autres | 1953629.9305315628 | -0.4912305512325072 | 3839912.037297605 | 3784122.9515035637 | -0.05219042046972708 | 3992492.83108 | -0.03200602339378654 | 4124501.729936046 | 1.063033076933319 | 1999241.687422231
10400542.370403785 | -0.2317010298803516 | 13537103.100351797 | 16533585.366275756 | 0.03243435406294831 | 16014175.914634172 | 0.17917685497773875 | 13580809.228940045 | 0.4050051454419255 | 9666020.99145223
PRODUIT NET BANCAIRE | 27181069.481931347 | -0.08484313061322948 | 29700994.868939653 | 39658439.79009079 | 0.21905525912095372 | 32532110.003518645 | 0.18200872286753245 | 27522732.594220046 | 0.1713164966193399 | 23497263.69743473
Dotation à la provision pour créances douteuses | 2691337.811985111 | 0.16648298591593255 | 2307224.2325693667 | 2684821.6542076245 | 0.08899862951902796 | 2465404.0707043083 | 0.34558569385621807 | 1832216.32183 | -0.0721443583671605 | 1974678.2146042325
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 24489731.66994624 | -0.10601092507390714 | 27393770.636370286 | 36973618.13588317 | 0.22971961805535648 | 30066705.932814337 | 0.17034261258219416 | 25690516.272390045 | 0.1936538150997001 | 21522585.4828305
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 8837449.72382 | 0.08032339071981208 | 8180374.321 | 11466581.82742 | 0.22413691001391725 | 9367074.657760002 | 0.21844878818332833 | 7687704.849479999 | 0.023320555923212874 | 7512508.96406
Frais de locaux | 1138200.85373 | -0.04438727547802111 | 1191069.1690500001 | 1634355.7770500001 | 0.23986735871515127 | 1318169.8554784514 | 0.0325115557084071 | 1276663.5377500001 | 0.008853460946946261 | 1265459.83849
Amortissement | 1229384.93677 | 0.23539725645368498 | 995133.2904033284 | 1395264.9965233284 | 0.11114514375329043 | 1255700.0355600002 | 0.02161948411931887 | 1229126.94509 | 0.12329497523910415 | 1094215.65322
Autres dépenses d'exploitation | 7785062.314194438 | 0.04608900190383511 | 7442064.967728342 | 10389166.48937497 | 0.360481389191059 | 7636390.010121607 | 0.28913567867358814 | 5923651.1225713715 | -0.10124650401603204 | 6590963.093930528
18990097.828514438 | 0.06634172875387301 | 17808641.74818167 | 24885369.090368297 | 0.2711316249652447 | 19577334.55892006 | 0.21468987166636816 | 16117146.45489137 | -0.021016703747847407 | 16463147.549700527
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 5499633.8414318 | -0.426232666708448 | 9585128.888188615 | 12088249.04551487 | 0.15242835958690956 | 10489371.373894278 | 0.09568224918265361 | 9573369.817498675 | 0.8921805038482216 | 5059437.933129972
Impôts sur le revenu | 1076594.161066149 | -0.37033531201447845 | 1709789.641389107 | 2127837.394738017 | 0.5266943923798346 | 1393754.6409803154 | 0.24739744363036792 | 1117330.0443233203 | 0.8329838502301781 | 609568.9518393797
BÉNÉFICE NET | 4423039.680365652 | -0.43836836207873214 | 7875339.246799508 | 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 30 JUIN 2024
Actif | 119827548.99841 | 5517104.99232648 | 47508589.05394023 | 51961654 | 166286128.94781002 | 237618633.5730105 | 628719659.5654972 | 11740495.136423156 | 11740495.136423156 | 5010518 | 5010518 | 645470672.7019203
Bons B.R.H. | 6700000 | 0 | 0 | 250000 | 1500000 | 0 | 8450000 | 0 | 0 | 0 | 0 | 8450000
Prêts | 18217233 | 192507.96731647965 | 12198959.349928532 | 11677967 | 30046085.12185 | 41135607.29257 | 113468359.73166502 | 4868924.653973157 | 4868924.653973157 | 55444 | 55444 | 118392728.38563818
Dépôts | 92496155 | 4648269.07757648 | 37359218.96931499 | 40284250 | 139269094.28316343 | 201404913.3117923 | 515461900.6418472 | 7911321.368822355 | 7911321.368822355 | 3792748 | 3792748 | 527165970.0106695
Avoir des Actionnaires | 12649657 | -533083.3067300001 | 3248826.244056309 | 5201302 | 11384485.086939998 | 19045323.63973 | 50996510.66399631 | 1070234.0829200002 | 1070234.0829200002 | 618313 | 618313 | 52685057.74691631
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 | 38028696.4219254 | 38194690 | 139060465.8677532 | 193362648.0297467 | 505747370.8585953 | 8431399.10121467 | 8431399.10121467 | 4330332 | 4330332 | 518509101.95980996
Avoir des Actionnaires | 11461524 | -384478.01583000005 | 2635527.1766600003 | 5164463 | 11096548.763020003 | 19405385.00992 | 49378969.93377 | 1067591.25262 | 1067591.25262 | 558210 | 558210 | 51004771.18639
VARIATION Juin. 24/Sept. 23
Actif | 0.01411875480697946 | -0.04051566458586204 | 0.04441425486130578 | 0.0617007921637697 | -0.0025441348841946762 | 0.022528398612777594 | 0.018279658460130806 | -0.04586243623428232 | -0.04586243623428232 | -0.14454529002209268 | -0.14454529002209268 | 0.015537432199639833
Bons B.R.H. | 0 | 0 | 0 | -0.5454545454545454 | -0.25 | 0 | 2.3137254901960786 | 0 | 0 | 0 | 0 | 2.3137254901960786
Prêts | -0.08495522280103493 | -0.3594351005536943 | 0.02453253136119294 | -0.0851632535409288 | -0.14544200059341775 | -0.17673044923143416 | -0.12721331624483864 | -0.038835602185325946 | -0.038835602185325946 | -0.4264433570918721 | -0.4264433570918721 | -0.12411523770472922
Dépôts | 0.0031216708871286015 | -0.049931014561544335 | -0.01760453330249901 | 0.05470812827646984 | 0.0015002712245234867 | 0.04159161742969298 | 0.0192082655155671 | -0.061683443773571316 | -0.061683443773571316 | -0.12414383008046496 | -0.12414383008046496 | 0.01669569158600917
Avoir des Actionnaires | 0.10366274153419737 | -0.3865118024477816 | 0.23270451271670883 | 0.007133171444930479 | 0.025948277258922337 | -0.01855471406549982 | 0.03275768474708666 | 0.002475507637885224 | 0.002475507637885224 | 0.10767094820945522 | 0.10767094820945522 | 0.03294371333195345
RÉSULTATS
TRIM 3 2024 (Avril.-Juin. 24)
Revenus nets d'intérêt | 1486579 | 48636.102960000004 | 303026.59109615895 | 466848 | 1068832.2478999998 | 2036553.453704 | 5410475.395660158 | 125376.99967000002 | 125376.99967000002 | 20239 | 20239 | 5556091.395330158
Autres revenus | 286115 | 55287.0605 | 300148.9023407698 | 553699 | 826192.3062400002 | 1002091.5624200001 | 3023533.8315007705 | 17756.15845000001 | 17756.15845000001 | 68602 | 68602 | 3109891.9899507705
Dot. à la provision pr créances dout. | 270000 | -18000 | -10729.95542658987 | 45106 | 244590.14625999998 | 341325.97072000004 | 872292.1615534101 | 21000 | 21000 | 0 | 0 | 893292.1615534101
Frais d'exploitation | 1142243 | 57633.990860000005 | 570299.4179374641 | 719897 | 1434927.8887 | 2338775.5001999997 | 6263776.797697464 | 96363.70048999999 | 96363.70048999999 | 51176 | 51176 | 6411316.498187464
Bénéfice net | 360451 | 64289.172600000005 | 55978.44550706694 | 194737 | 150206.51918000006 | 160371.35749400005 | 986033.4947810671 | 18811.704069900043 | 18811.704069900043 | 25966 | 25966 | 1030811.1988509672
TRIM 3 2023 (Avril.-Juin.23)
Revenus nets d'intérêt | 1322099 | 49260.13752000001 | 457782.4592333641 | 555085 | 1106189.0240200001 | 1856202.27111 | 5346617.891883365 | 153624.84934000002 | 153624.84934000002 | 23517 | 23517 | 5523759.741223365
Autres revenus | 194449 | -7492.324410000002 | 363411.1711347492 | 619617 | 825660.5705600001 | 1337149.2631799998 | 3332794.680464749 | 21326.962419999996 | 21326.962419999996 | 90551 | 90551 | 3444672.642884749
Dot. à la provision pr créances dout. | 40000 | 9000 | 207864.7237352416 | 27600 | 337247.50404000015 | 123063.29200000002 | 744775.5197752417 | 12500 | 12500 | 0 | 0 | 757275.5197752417
Frais d'exploitation | 1110795 | 56221.196469999995 | 575380.5113675639 | 797878 | 1498898.3262400003 | 2295970.89527 | 6335143.9293475645 | 92605.35342 | 92605.35342 | 52051.1 | 52051.1 | 6479800.382767564
Bénéfice net | 365753 | -23453.383359999985 | 42024.33805109226 | 272858 | 21383.764299999923 | 535115.9936699998 | 1213681.712661092 | 50987.914588200045 | 50987.914588200045 | 42754.9 | 42754.9 | 1307424.527249292
VARIATION TRIM 3 24 / TRIM 3 23
Revenus nets d'intérêt | 0.12440823266638883 | -0.012668144902085267 | -0.3380554781333706 | -0.15896124017042434 | -0.03377069859565418 | 0.09716138451126383 | 0.011943532354113927 | -0.18387552398819487 | -0.18387552398819487 | -0.13938852744822894 | -0.13938852744822894 | 0.0058531970291004
Autres revenus | 0.4714140982982684 | 8.37915998754784 | -0.17407904274500785 | -0.10638507335983358 | 0.0006440124416252486 | -0.2505761398418361 | -0.09279324969423353 | -0.16743143724262197 | -0.16743143724262197 | -0.24239378913540435 | -0.24239378913540435 | -0.09718794429580851
Dot. à la provision pr créances dout. | 0 | -3 | -1.0516198960255356 | 0.6342753623188406 | -0.2747458666706998 | 1.773580693095712 | 0.1712148672886702 | 0.68 | 0.68 | 0 | 0 | 0.17961315033468656
Frais d'exploitation | 0.02831125455192002 | 0.02512921244488076 | -0.008830840339070641 | -0.09773549339623351 | -0.04267830340465501 | 0.018643356942451894 | -0.01126527391421876 | 0.04058455511696474 | 0.04058455511696474 | -0.016812324811579363 | -0.016812324811579363 | -0.010568826280856827
Bénéfice net | -0.014496121699616955 | 3.741147049582873 | 0.33204823926101085 | -0.28630643045100385 | 6.024325421506849 | -0.7003054302411688 | -0.1875683018910191 | -0.6310556291264053 | -0.6310556291264053 | -0.39267779833422606 | -0.39267779833422606 | -0.21157116348451507
RÉSULTATS
CUMUL 2024 (Octobre 23 - juin 2024)
Revenus nets d'intérêt | 4375769 | 114349.40523 | 917125.0500865432 | 1459573 | 3319231.4189500003 | 6176478.284594 | 16362526.158860542 | 357990.952667024 | 357990.952667024 | 60010 | 60010 | 16780527.111527566
Autres revenus | 872510 | 76588.08414 | 879769.9924237847 | 1693020 | 2645207.8474000003 | 3961718.78035 | 10128814.704313785 | 55482.66609 | 55482.66609 | 216245 | 216245 | 10400542.370403785
Dot. à la provision pr créances dout. | 770000 | 0 | 35559.648125110536 | 158819 | 874182.6108399999 | 821697.9608200002 | 2660259.2197851106 | 31078.5922 | 31078.5922 | 0 | 0 | 2691337.8119851104
Frais d'exploitation | 3290146 | 198341.32743 | 1709831.137194438 | 2159115 | 4256257.32258 | 6924121.817639999 | 18537812.604844436 | 288043.22367000004 | 288043.22367000004 | 164242 | 164242 | 18990097.828514434
Bénéfice net | 1188133 | -7403.83805999998 | 62067.052584930556 | 641815 | 579039.3329300005 | 1813291.316804001 | 4276941.864258932 | 68876.81610672394 | 68876.81610672394 | 77221 | 77221 | 4423039.680365656
CUMUL 2023 (Octobre 22 - Juin 2023)
Revenus nets d'intérêt | 3820105 | 148258.96664 | 1105177.498437853 | 1608921 | 3862324.4502800005 | 5153930.0659799995 | 15698716.981337853 | 412196.78725000005 | 412196.78725000005 | 52978 | 52978 | 16163891.768587854
Autres revenus | 654665 | -809.5300700000016 | 1158030.7006217972 | 2199807 | 2894613.9843800003 | 6345101.63085 | 13251408.785781797 | 64448.31457 | 64448.31457 | 221246 | 221246 | 13537103.100351797
Dot. à la provision pr créances dout. | 40000 | 27000 | 364051.61372936657 | 201335 | 1316559.3379700002 | 337179.145 | 2286125.096699367 | 21099.13587 | 21099.13587 | 0 | 0 | 2307224.2325693667
Frais d'exploitation | 3271149 | 162188.87266999998 | 1719595.86692167 | 2209745 | 4186953.14579 | 5784792.7192 | 17334424.60458167 | 271238.0869799999 | 271238.0869799999 | 202979.05662000002 | 202979.05662000002 | 17808641.74818167
Bénéfice net | 1163621 | -41739.43609999999 | 141152.9642514065 | 1071143 | 854105.950900001 | 4503394.072720001 | 7691677.551771409 | 134544.75164810015 | 134544.75164810015 | 49116.94337999998 | 49116.94337999998 | 7875339.246799509
VARIATION CUMUL 24/ CUMUL 23
Revenus nets d'intérêt | 0.14545778191960693 | -0.22871845243828415 | -0.17015587868656243 | -0.09282494292758936 | -0.14061300088101827 | 0.19840164797027904 | 0.04228429484471915 | -0.13150474787689181 | -0.13150474787689181 | 0.13273434255728794 | 0.13273434255728794 | 0.038148940352227066
Autres revenus | 0.3327579754530943 | 95.60807816564474 | -0.24028785078720472 | -0.23037793770089832 | -0.08616214055685924 | -0.3756256383525757 | -0.23564242352997397 | -0.13911377729299715 | -0.13911377729299715 | -0.022603798486752303 | -0.022603798486752303 | -0.2317010298803516
Dot. à la provision pr créances dout. | 18.25 | -1 | -0.9023225092704977 | -0.2111704373308168 | -0.3360097143909214 | 1.436977413950083 | 0.16365426530066374 | 0.4729793860510365 | 0.4729793860510365 | 0 | 0 | 0.16648298591593236
Frais d'exploitation | 0.005807439526600592 | 0.22290342219443227 | -0.005678502673254522 | -0.02291214597159401 | 0.016552412787252245 | 0.196952449939738 | 0.0694218601259311 | 0.061957142070683015 | 0.061957142070683015 | -0.1908426281265077 | -0.1908426281265077 | 0.0663417287538728
Bénéfice net | 0.021065278127500277 | 0.8226176788238885 | -0.5602851635876142 | -0.4008129633484978 | -0.32205210334871603 | -0.5973500680768111 | -0.4439520071568856 | -0.4880750437083547 | -0.4880750437083547 | 0.5721865956228 | 0.5721865956228 | -0.4383683620787317
0 | 0
[sysratfinclé juin 24]
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 2024 | 0.10556551565757094 | -0.09662373789722041 | 0.06838397663983795 | 0.10009885366620547 | 0.06846322756429728 | 0.08015080026911336 | 0.08111168449741106 | 0.09115749127136527 | 0.09115749127136527 | 0.12340300942936439 | 0.12340300942936439 | 0.08162269793975035
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 30 juin 2024 | 0.7719105979646411 | 0.8425195975138358 | 0.7863676803135142 | 0.7752688165007219 | 0.8375268289928978 | 0.8475973044845778 | 0.8198596827687533 | 0.6738490393202111 | 0.6738490393202111 | 0.7569572646979813 | 0.7569572646979813 | 0.816715603520713
Au 30 septembre 2023 | 0.7803729469207077 | 0.850869114226354 | 0.8360112019272429 | 0.7804088112639681 | 0.8341446046233999 | 0.8320845712658815 | 0.8191127034597685 | 0.6852108453766899 | 0.6852108453766899 | 0.7393253362562616 | 0.7393253362562616 | 0.8157851692505569
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 30 juin 2024 | 0.4039337404805326 | 0.9226256772917395 | 0.015999920355612943 | 0.027223365784246886 | 0.11771849430108207 | 0.00851933571922217 | 0.12103738695177041 | 0.10170900389715984 | 0.10170900389715984 | 0 | 0 | 0.12021049476337706
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 30 juin 2024 | 0.4352625722351555 | 0.9269091510677405 | 1.5480180584519778 | 1.2016308399129814 | 0.7729552091207751 | 3.300025578827929 | 0.6645567356765079 | 0.5449540279392477 | 0.5449540279392477 | 0 | 0 | 0.6605006997802079
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 30 juin 2024 | 0.39859958258156725 | N/A | -0.033759897586876246 | -0.012740848349124893 | 0.0776001601182172 | -0.04354643836400344 | 0.09824061424826994 | 0.22291192432145512 | 0.22291192432145512 | 0 | 0 | 0.09962020913519352
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 3 2024 (janvier-juin 2024) | 0.011989518040499606 | 0.04654032336713623 | 0.004741150006846553 | 0.014922157078007517 | 0.003621005039842232 | 0.002700391738656429 | 0.006273574648267644 | 0.006480143603879565 | 0.006480143603879565 | 0.016326843717912685 | 0.016326843717912685 | 0.006376182901663598
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
CUMUL 2024 (octobre-juin 2024) | 0.013313150928759954 | -0.0017523081764107575 | 0.0017797606983967762 | 0.016961807575842838 | 0.0046370018660967195 | 0.010288133004820968 | 0.009152310884748046 | 0.007638555588882756 | 0.007638555588882756 | 0.018948210062063663 | 0.018948210062063663 | 0.009206999528189928
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
ROE (rendement de l'avoir des actionn.)
TRIM 3 2024 (janvier-juin 2024) | 0.11562708372069729 | 0.45495450126525466 | 0.06925433890648355 | 0.14673350173963332 | 0.05260179076656699 | 0.03180177277463805 | 0.07579111704185382 | 0.07093213970825911 | 0.07093213970825911 | 0.17153101138458973 | 0.17153101138458973 | 0.07677456761541199
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
CUMUL 2024 (octobre-juin 2024) | 0.13140603385071295 | -0.021517437226882347 | 0.02812749819611166 | 0.16511146709062638 | 0.0686847810522772 | 0.12575694132288381 | 0.11362514268194984 | 0.08591511503045048 | 0.08591511503045048 | 0.17502646923746212 | 0.17502646923746212 | 0.1137505250255696
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
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 3 2024 (janvier-juin 2024) | 0.9002400512561511 | 0.6085503603294993 | 0.7109422383041422 | 0.7754228842499701 | 0.8093266884227364 | 0.8775537016611055 | 0.8452700288113956 | 0.725518995481194 | 0.725518995481194 | 1 | 1 | 0.842606579513076
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
CUMUL 2024 (octobre-juin 2024) | 0.8982956936600708 | 0.5889730962345919 | 0.7155872569234246 | 0.7841551104262968 | 0.8182933366584223 | 0.8804923862504328 | 0.8487052404178776 | 0.714874717123059 | 0.714874717123059 | 0.9844967599048479 | 0.9844967599048479 | 0.8457446361284385
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
Rendement moyen des prêts
TRIM 3 2024 (janvier-juin 2024) | 0.09003795626455967 | 0.09292569810673944 | 0.11156709665067921 | 0.16147974782511643 | 0.09708990680506772 | 0.13122220752475516 | 0.11527845898896928 | 0.10273871175631309 | 0.10273871175631309 | 0.24997534695058213 | 0.24997534695058213 | 0.11486611392651959
TRIM 3 2023 (avril-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
CUMUL 2024 (octobre-juin 2024) | 0.08957552119100388 | 0.038557364780346194 | 0.11714981595730882 | 0.16277242725702554 | 0.10205380812876219 | 0.1292426883122328 | 0.11616725312291871 | 0.09544916748467396 | 0.09544916748467396 | 0.29222519519736684 | 0.29222519519736684 | 0.11547081970383516
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
Rendement moyen des prêts productifs
TRIM 3 2024 (janvier-juin 2024) | 0.15254673143927325 | 1.1844393230973453 | 0.11413562149232556 | 0.1619280724364435 | 0.15752357052449856 | 0.1325296009332405 | 0.1317501051451311 | 0.11507570830408798 | 0.11507570830408798 | 0.24997534695058213 | 0.24997534695058213 | 0.13116354774878294
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
CUMUL 2024 (octobre-juin 2024) | 0.13903534705515733 | 0.4538988392174144 | 0.11927945608820094 | 0.1655736889169301 | 0.11214760233384803 | 0.13075039457572285 | 0.12948674923582096 | 0.10275067767736833 | 0.10275067767736833 | 0.29222519519736684 | 0.29222519519736684 | 0.12852758286659108
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
Rémunération moyenne des dépôts
TRIM 3 2024 (janvier-juin 2024) | 0.007108470465229726 | 0.026626537793011978 | 0.01314683999740382 | 0.013595533970458915 | 0.007293447429458357 | 0.005695945323667079 | 0.007732712321519613 | 0.024084704706418568 | 0.024084704706418568 | 0 | 0 | 0.007906007457224494
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
CUMUL 2024 (octobre-juin 2024) | 0.007152629794380103 | 0.02230444083928718 | 0.012893831976766376 | 0.013651526553917949 | 0.007061691982797683 | 0.0056628904760808564 | 0.00761677872060914 | 0.023298192125724673 | 0.023298192125724673 | 0.00031022715521698667 | 0.00031022715521698667 | 0.007805102281382185
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
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 3 2024 (janvier-juin 2024) | 0.6443542991627432 | 0.5545827218989856 | 0.9454950079086686 | 0.7054030828565465 | 0.7572080718242719 | 0.7696771053511438 | 0.742680809208219 | 0.6732451219249319 | 0.6732451219249319 | 0.5760403417341092 | 0.5760403417341092 | 0.7398256162222754
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
CUMUL 2024 (octobre-juin 2024) | 0.6268999799743878 | 1.038776240770888 | 0.9515475844408483 | 0.6848695661000326 | 0.7136056102696574 | 0.682973685881716 | 0.6997687546504636 | 0.6966423263856827 | 0.6966423263856827 | 0.5945304157390816 | 0.5945304157390816 | 0.6986516053438635
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
Productivité par employé ('000)
TRIM 3 2024 (janvier-juin 2024) | 8754.044444444444 | 3325.5412307200004 | 5177.472046668917 | 5535.1701694915255 | 6646.293920701447 | 7778.93124127744 | 6968.096025744855 | 8179.037606857145 | 8179.037606857145 | 27335.69230769231 | 27335.69230769231 | 7039.076767412675
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
CUMUL 2024 (octobre-juin 2024) | 8852.252161079485 | 2036.6665532800005 | 5152.387218667606 | 5734.593906321054 | 7177.423906558364 | 8588.053422231258 | 7365.611055690912 | 7500.655215546921 | 7500.655215546921 | 24556 | 24556 | 7420.4393890066485
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
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 24]
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 2024 | 0.10183029365040891 | -0.10795244099006078 | 0.06853687384575673 | 0.10327786066000082 | 0.06921450682279763 | 0.08967833390311958 | 0.08443754682185996 | 0.0915608661776777 | 0.0915608661776777 | 0.07684979004426276 | 0.07684979004426276 | 0.08447347787812805
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 mars 2024 | 0.7697804059876 | 0.8586154246883387 | 0.8011794807682179 | 0.7489719368890932 | 0.8270628181029849 | 0.832486081219478 | 0.8099459735679255 | 0.683086706894062 | 0.683086706894062 | 0.776556554760289 | 0.776556554760289 | 0.8072998876040913
Au 30 septembre 2023 | 0.7803729469207077 | 0.850869114226354 | 0.8360112019272429 | 0.7804088112639681 | 0.8341446046233999 | 0.8320845712658815 | 0.8191127034597685 | 0.6852108453766899 | 0.6852108453766899 | 0.7393253362562616 | 0.7393253362562616 | 0.8157851692505569
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 mars 2024 | 0.4155162446824524 | 0.9204950581095075 | 0.028703885368071384 | 0.03351871770823906 | 0.13476287498162143 | 0.011149483370252043 | 0.12884238179704663 | 0.11275307689406115 | 0.11275307689406115 | 0 | 0 | 0.12813520542710025
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 mars 2024 | 0.42986788713604707 | 0.9182333327027283 | 0.9370697193806308 | 1.0259087661616173 | 0.619781888938913 | 2.179968148414549 | 0.5996726071984568 | 0.460241038897821 | 0.460241038897821 | 0 | 0 | 0.5949891682704127
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 mars 2024 | 0.4324691115113539 | N/A | 0.007367269562828305 | -0.002002076117667348 | 0.15623174578369547 | -0.027387566034684025 | 0.12504560486533983 | 0.29584867519140695 | 0.29584867519140695 | 0 | 0 | 0.12697282561688436
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 2 2024 (janvier-mars 2024) | 0.013069108924284001 | -0.02821149031739372 | -0.0021982579094638626 | 0.013694438375202168 | 0.0031312602546621454 | 0.01416742643038573 | 0.009409281339274532 | 0.006608745901828573 | 0.006608745901828573 | 0.01655369792865371 | 0.01655369792865371 | 0.009433757291288774
TRIM 2 2023 (janv. - mars 2023) | 0.012474169025777365 | -0.009800519885492914 | 0.011978860754924808 | 0.02726025494390717 | 0.0059854804351975 | 0.027531513668261513 | 0.01739884891788083 | 0.014622817743859819 | 0.014622817743859819 | 0.008328292837236836 | 0.008328292837236836 | 0.017065036390414463
CUMUL 2024 (octobre-mars 2024) | 0.01386155369616948 | -0.02541429399776222 | 0.00026347584837124814 | 0.017639383583877708 | 0.005162304989482022 | 0.014071288954420814 | 0.01056391997493858 | 0.008418499443464223 | 0.008418499443464223 | 0.015108641167045623 | 0.015108641167045623 | 0.010572206240376962
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
ROE (rendement de l'avoir des actionn.)
TRIM 2 2024 (janvier-mars 2024) | 0.12919440327699128 | -0.2664609483969341 | -0.03146281460655722 | 0.13044544796808671 | 0.044195852881699395 | 0.16012660802772066 | 0.11129605702575066 | 0.0711860155793014 | 0.0711860155793014 | 0.18838505770873512 | 0.18838505770873512 | 0.1153013030285386
TRIM 2 2023 (janv. - mars 2023) | 0.1521387288583535 | -0.1677454515043801 | 0.19071824004332602 | 0.30794810590954197 | 0.098807160504061 | 0.3574729135761009 | 0.24101517313269746 | 0.19231589927285853 | 0.19231589927285853 | 0.10861105543412668 | 0.10861105543412668 | 0.23602411452835267
CUMUL 2024 (octobre-mars 2024) | 0.13939478912858677 | -0.29206816376480893 | 0.004160931114595199 | 0.1690221515544726 | 0.07604637611346038 | 0.1624379292153259 | 0.1284739286723901 | 0.09450644638296711 | 0.09450644638296711 | 0.17813575226775102 | 0.17813575226775102 | 0.12833375493922486
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
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 2 2024 (janvier-mars 2024) | 0.898610764838535 | 0.4372605300123484 | 0.7129411855588402 | 0.7851814802168048 | 0.805794111332723 | 0.8994082578297719 | 0.8523574009511524 | 0.6927988246589151 | 0.6927988246589151 | 0.9887923924118189 | 0.9887923924118189 | 0.8487401626903636
TRIM 2 2023 (janv. - 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
CUMUL 2024 (octobre-mars 2024) | 0.8972985295085898 | 0.5752757319473336 | 0.7179017767365256 | 0.788329961025224 | 0.8226220277522881 | 0.8819452478844356 | 0.8504126106062747 | 0.7092660621239302 | 0.7092660621239302 | 0.976790450928382 | 0.976790450928382 | 0.8473066374652628
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
Rendement moyen des prêts
TRIM 2 2024 (janvier-mars 2024) | 0.08774605301122623 | 0.011818478458983905 | 0.11064082649750971 | 0.16247821022740816 | 0.09393442409360393 | 0.12931500585199765 | 0.1127901745673027 | 0.09448787915665326 | 0.09448787915665326 | 0.24405433084713501 | 0.24405433084713501 | 0.11219086594005472
TRIM 2 2023 (janv. - mars 2023) | 0.0805737371297326 | 0.01555734666703605 | 0.0901905240775977 | 0.13758007705058187 | 0.10461532673406028 | 0.09559326437023316 | 0.09871617300309984 | 0.10546866632077467 | 0.10546866632077467 | 0.24347502249992242 | 0.24347502249992242 | 0.09557825374700764
CUMUL 2024 (octobre-mars 2024) | 0.0896850671495287 | 0.011708597527382748 | 0.11486421129500138 | 0.16305947111607938 | 0.1039018169091556 | 0.13032393728280778 | 0.11663767570593986 | 0.09328101184871238 | 0.09328101184871238 | 0.24653708090661755 | 0.24653708090661755 | 0.11585288901303678
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
Rendement moyen des prêts productifs
TRIM 2 2024 (janvier-mars 2024) | 0.13770482345355875 | 0.14150442253314507 | 0.11290854231814104 | 0.16697556768369798 | 0.10344991392152253 | 0.13181669689188685 | 0.1265307357939805 | 0.10362010814926795 | 0.10362010814926795 | 0.24405433084713501 | 0.24405433084713501 | 0.1257381480156025
TRIM 2 2023 (janv. - mars 2023) | 0.1168042380882673 | 0.14501270214608075 | 0.11749320065310036 | 0.1389493928754054 | 0.11617453341410951 | 0.09624681936865803 | 0.11109595593761727 | 0.11481843130506011 | 0.11481843130506011 | 0.24347502249992242 | 0.24347502249992242 | 0.10743364242943305
CUMUL 2024 (octobre-mars 2024) | 0.14051668881080462 | 0.1363185962988799 | 0.1177378564528833 | 0.166411568918874 | 0.11530299949178942 | 0.13199865370551772 | 0.13060854341130138 | 0.10099033761738958 | 0.10099033761738958 | 0.24653708090661755 | 0.24653708090661755 | 0.1295525590357718
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
Rémunération moyenne des dépôts
TRIM 2 2024 (janvier-mars 2024) | 0.007041736188248065 | 0.026618672976353827 | 0.012770668707566424 | 0.013630691602525438 | 0.007272565702928248 | 0.004771252827899299 | 0.007354051027121738 | 0.025391999362005393 | 0.025391999362005393 | 0.00018128289431089544 | 0.00018128289431089544 | 0.007560357318195583
TRIM 2 2023 (janv. - mars 2023) | 0.006348543457685431 | 0.008361620481169743 | 0.012446419817858323 | 0.010340124932078214 | 0.0067847706264383524 | 0.0055269980924393825 | 0.006941659257316104 | 0.01956349508823465 | 0.01956349508823465 | 0.0009736366402376819 | 0.0009736366402376819 | 0.0067884508363516005
CUMUL 2024 (octobre-mars 2024) | 0.007145800754582696 | 0.020122784791614896 | 0.012760648680273119 | 0.01376267698888524 | 0.00703257444754252 | 0.005668171560443158 | 0.007592509412555014 | 0.02343408339487685 | 0.02343408339487685 | 0.00036629379960531356 | 0.00036629379960531356 | 0.007768461271028739
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
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 2 2024 (janvier-mars 2024) | 0.647808703170888 | 1.8833457336020947 | 0.9991529224419473 | 0.7204634661388423 | 0.7570729904462777 | 0.655585965453106 | 0.7107236227674084 | 0.7143268639468638 | 0.7143268639468638 | 0.5597913497065855 | 0.5597913497065855 | 0.7092177073212382
TRIM 2 2023 (janv. - 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
CUMUL 2024 (octobre-mars 2024) | 0.6179975457369047 | 1.6170594335872386 | 0.9546058956155259 | 0.6750407824221428 | 0.6933010355063577 | 0.6458641736702415 | 0.6797258894369386 | 0.7090300975604273 | 0.7090300975604273 | 0.6032953781467767 | 0.6032953781467767 | 0.6793801154725719
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
Productivité par employé ('000)
TRIM 2 2024 (janvier-mars 2024) | 8033.413173652694 | 1069.1148921600002 | 4916.517250873111 | 5509.975510204082 | 6596.377709676848 | 8907.451007347454 | 7127.614641852283 | 7535.9358403957185 | 7535.9358403957185 | 25384.827586206895 | 25384.827586206895 | 7186.892218600965
TRIM 2 2023 (janv. - mars 2023) | 7112.235710076606 | 1580.893845669291 | 7346.258985725956 | 6235.599505562423 | 7886.354001875 | 12008.393538860335 | 8343.896733709196 | 9577.392936325825 | 9577.392936325825 | 14910.8 | 14910.8 | 8368.799842979308
CUMUL 2024 (octobre-mars 2024) | 8705.284909204758 | 1392.22921456 | 5156.455935522242 | 5829.244019138756 | 7167.617282624396 | 8888.328073640063 | 7444.787316435125 | 7457.667879642042 | 7457.667879642042 | 24988.533333333333 | 24988.533333333333 | 7498.263074476226
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
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. 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 | 0.8360112019272429 | 0.7804088112639681 | 0.8341446046233999 | 0.8320845712658815 | 0.8191127034597685 | 0.6852108453766899 | 0.6852108453766899 | 0.7393253362562616 | 0.7393253362562616 | 0.8157851692505569
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 | 0.012643001701479748 | 0.013671056561882179 | 0.007031492371630715 | 0.006697698674737563 | 0.007969479449903892 | 0.021849108930086233 | 0.021849108930086233 | 0.0006692371528317625 | 0.0006692371528317625 | 0.008130967223841521
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 | 0.012643001701479748 | 0.013671056561882179 | 0.007031492371630715 | 0.006697698674737563 | 0.007969479449903892 | 0.021849108930086233 | 0.021849108930086233 | 0.0006692371528317625 | 0.0006692371528317625 | 0.008130967223841521
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 | 0.8390864450292649 | 0.8132041152085546 | 0.7951438750190043 | 0.807347238458576 | 0.8644842417411513 | 0.8172603605297932 | 0.6601889026824257 | 0.6601889026824257 | 0.7383017332585607 | 0.7383017332585607 | 0.8133602695771748
Au 30 septembre 2021 | 0.7542213873890747 | 0.8208956876052808 | 0.8181649316827374 | 0.7960846586962368 | 0.8146884569724315 | 0.8631776716154627 | 0.8186228065470085 | 0.6536905895142436 | 0.6536905895142436 | 0.7551062267558127 | 0.7551062267558127 | 0.8146924700293188
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 décembre 2021 | 0.20211804927361274 | 0.8512048658350672 | 0.06724836294736215 | 0.005374122210170579 | 0.024104693348327433 | 0.0012444096297049678 | 0.06409929382153762 | 0.04529955565395707 | 0.04529955565395707 | 0 | 0 | 0.0633890802363231
Au 30 septembre 2021 | 0.16976937609801523 | 0.8479007695801347 | 0.0562751812861468 | 0.004266541929389752 | 0.022182784323064426 | 0.00510104968168687 | 0.05669662057101958 | 0.041209673197505875 | 0.041209673197505875 | 0 | 0 | 0.05606250085322091
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 décembre 2021 | 0.6122969985606395 | 0.8936029231728382 | 1.2026752139673502 | 3.40737826468541 | 1.979905757227218 | 15.52892382998423 | 0.9695995607870291 | 0.7747545230483569 | 0.7747545230483569 | 0 | 0 | 0.9646658405485288
Au 30 septembre 2021 | 0.6749281125897745 | 0.8961444012475123 | 0.8647964786194402 | 4.266213712168005 | 2.3057497200171206 | 4.3646363278449485 | 1.0318074368622332 | 1.0065933566073082 | 1.0065933566073082 | 0 | 0 | 1.0311341084197292
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 décembre 2021 | 0.23692405948524356 | N/A | -0.057524902065865635 | -0.03688590534316315 | -0.08747310755687124 | -0.05325811370584367 | 0.006453365711147582 | 0.05360292830474964 | 0.05360292830474964 | 0 | 0 | 0.007435327475448581
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
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 sept. 20 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 30 septembre 2020 | 0.0958980531432077 | -0.07142906262228461 | 0.10144165313577588 | 0.13037541849237627 | 0.0828600973304912 | 0.0924458378601654 | 0.09219251933346459 | 0.11337303882952046 | 0.11337303882952046 | 0.11160061304732567 | 0.11160061304732567 | 0.09283398954376823
Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684
Dépôts en % de l'actif
Au 30 septembre 2020 | 0.7205992813031565 | 0.8151621272007507 | 0.7583432115006496 | 0.7838680058422708 | 0.7795264229645499 | 0.8498735706272129 | 0.7881736101890643 | 0.5654159338549604 | 0.5654159338549604 | 0.7489050192236153 | 0.7489050192236153 | 0.7831624325968862
Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 30 septembre 2020 | 0.13055755492733703 | 0.8186232390920686 | 0.011131736542746701 | 0.007614790344608182 | 0.024323463171792417 | 0.007357425798568143 | 0.04836889237792247 | 0.10797350993144256 | 0.10797350993144256 | 0 | 0 | 0.05048908872771796
Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 30 septembre 2020 | 0.6360964566757642 | 1.031441875855655 | 3.0256460890261523 | 4.6709410548086865 | 1.8597512318566836 | 3.4385272737597514 | 1.1106903922967761 | 0.4099381920533815 | 0.4099381920533815 | 0 | 0 | 1.0536617311481398
Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 30 septembre 2020 | 0.14306456095303147 | N/A | -0.09815945941558532 | -0.06755074569100036 | -0.07791846873366302 | -0.05158466141060321 | -0.01742712147524919 | 0.3141390730281408 | 0.3141390730281408 | 0 | 0 | -0.008848776197957844
Au 30 septembre 2019 | 0.5889828175113131 | N/A | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 4 2020 (juil -sept. 2020) | 0.004853745671943869 | -0.03697978396790052 | 0.021370914366379466 | 0.02830752219768892 | -0.011395177788574858 | -0.031876980094077696 | -0.009701771018789461 | 0.0281814484208293 | 0.0281814484208293 | 0.01444978952461686 | 0.01444978952461686 | -0.008671861777922408
TRIM 4 2019 (juil -sept. 2019) | 0.0092 | 0.0006 | 0.0119 | 0.031 | 0.0145 | 0.0132 | 0.0142 | 0.0301 | 0.0301 | -0.0001 | -0.0001 | 0.014
CUMUL 2020 (octobre 2019 - septembre 2020) | 0.017398664580816927 | -0.01384151012519602 | 0.017798307209976546 | 0.03708833677721373 | 0.006944139450366293 | 0.004703772889657475 | 0.011337492199427273 | 0.018926296875654385 | 0.018926296875654385 | 0.008412710989497203 | 0.008412710989497203 | 0.011456388140477728
CUMUL 2019 (octobre 2018- septembre 2019) | 0.018573534464179725 | -0.00017349300779253164 | 0.01706156832542766 | 0.035819170004876506 | 0.011202453549889885 | 0.02259035407657341 | 0.018962642419595083 | 0.013439351213619317 | 0.013439351213619317 | 0.012102312249806381 | 0.012102312249806381 | 0.018724146924643456
ROE (rendement de l'avoir des actionn.)
TRIM 4 2020 (juil -sept. 2020) | 0.05362062776464416 | -0.5747376095717522 | 0.24385665070783374 | 0.26436614052968554 | -0.163165026533376 | -0.39684953203266277 | -0.12050201388741075 | 0.30590930766205016 | 0.30590930766205016 | 0.1505558455968166 | 0.1505558455968166 | -0.107174063180555
TRIM 4 2019 (juil -sept. 2019) | 0.10236669062318933 | -0.0637651020503427 | 0.11936837280339284 | 0.33453155366159176 | 0.200808815417434 | 0.15085635414798923 | 0.1647359285491044 | 0.36518626435745544 | 0.36518626435745544 | -0.001998466929478756 | -0.001998466929478756 | 0.16666873000929777
CUMUL 2020 (octobre 2019 - septembre 2020) | 0.18678417782147982 | -0.35945502947495706 | 0.17784013761266987 | 0.33232252197036666 | 0.09027107495292935 | 0.05209944945323502 | 0.12869126722779084 | 0.19215134776134005 | 0.19215134776134005 | 0.09764153412958018 | 0.09764153412958018 | 0.12976089651586392
CUMUL 2019 (octobre 2018- septembre 2019) | 0.20231433087630732 | 0.01671486341039895 | 0.15873973726900506 | 0.37978477122949955 | 0.14928250147899153 | 0.25113775407264566 | 0.21878847271682278 | 0.15139889090489278 | 0.15139889090489278 | 0.19389415785068315 | 0.19389415785068315 | 0.2169808833566835
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 4 2020 (juil -sept. 2020) | 0.856229322873195 | 0.5666611903373127 | 0.7294318275101508 | 0.7325417413451561 | 0.7514289962720991 | 0.7809230515489263 | 0.7843373458901877 | 0.7180259464874132 | 0.7180259464874132 | 0.948596550557998 | 0.948596550557998 | 0.7823215736062261
TRIM 4 2019 (juil -sept. 2019) | 0.8136259716027285 | 0.6859355283398211 | 0.7638198684574243 | 0.7146865268799274 | 0.7393111929040466 | 0.7614515115780867 | 0.762712022531723 | 0.6649418283571837 | 0.7638198684574243 | 0.9691430725020022 | 0.9691430725020022 | 0.7596278660603382
CUMUL 2020 (octobre 2019 - septembre 2020) | 0.8426242348035025 | 0.6270836139314504 | 0.7438871561707947 | 0.7121990318744932 | 0.7572600983235017 | 0.7526856023912105 | 0.7718990767544225 | 0.7041521584010543 | 0.7041521584010543 | 0.9649378835503667 | 0.9649378835503667 | 0.7704450787600935
CUMUL 2019 (octobre 2018- septembre 2019) | 0.8222549367124287 | 0.6364740199698565 | 0.7581870521830335 | 0.7543258814124651 | 0.7761248646118251 | 0.7713337934352702 | 0.7799014273424083 | 0.5774860997329101 | 0.5774860997329101 | 0.972605082253155 | 0.972605082253155 | 0.7739859225582887
Rendement moyen des prêts
TRIM 4 2020 (juil -sept. 2020) | 0.11833462816134278 | 0.03242497816048294 | 0.13684728122923748 | 0.16945794829809502 | 0.07622705155188007 | 0.10209902988540677 | 0.10716137584669644 | 0.1340789937062624 | 0.1340789937062624 | 0.13831043129686876 | 0.13831043129686876 | 0.10832701582544366
TRIM 4 2019 (juil -sept. 2019) | 0.09250306259368818 | 0.04254549394858834 | 0.13865615005896373 | 0.1719019022042641 | 0.14734584334124715 | 0.11404562410439446 | 0.12701201874074533 | 0.16601373504681544 | 0.16601373504681544 | 0.11033349608996566 | 0.11033349608996566 | 0.12841535088791944
CUMUL 2020 (octobre 2019 - septembre 2020) | 0.09596795073503067 | 0.03294439579726986 | 0.1408633310661932 | 0.17517687234157814 | 0.10474456280882675 | 0.10349718727420207 | 0.11221770181281511 | 0.13074904120467093 | 0.13074904120467093 | 0.14944610562908586 | 0.14944610562908586 | 0.11306702887653855
CUMUL 2019 (octobre 2018- septembre 2019) | 0.08670811586837883 | 0.0443433210471552 | 0.13427588350274616 | 0.1642953644965965 | 0.122047295499413 | 0.10914966133935232 | 0.11623961937146339 | 0.12245710959012242 | 0.12245710959012242 | 0.10111881804711491 | 0.10111881804711491 | 0.11640768542321629
Rendement moyen des prêts productifs
TRIM 4 2020 (juil -sept. 2020) | 0.14908727526674145 | 0.1841902290633599 | 0.13946517839045652 | 0.17134595010205933 | 0.0785202181939746 | 0.10300836769249488 | 0.1146492303590443 | 0.14922789049284296 | 0.14922789049284296 | 0.13831043129686876 | 0.13831043129686876 | 0.11604626000199306
TRIM 4 2019 (juil -sept. 2019) | 0.12278805136230067 | 0.17058820811638975 | 0.14072697569061593 | 0.17312433310830205 | 0.1532698770251001 | 0.11458201320091488 | 0.1360796717195469 | 0.1982610324161049 | 0.1982610324161049 | 0.11033349608996566 | 0.11033349608996566 | 0.1380750640365493
CUMUL 2020 (octobre 2019 - septembre 2020) | 0.11747621163588289 | 0.16981827014559475 | 0.14309615667796707 | 0.1765311040190458 | 0.10696415029108244 | 0.10427436132643232 | 0.11887733485666233 | 0.1492995192767712 | 0.1492995192767712 | 0.14944610562908586 | 0.14944610562908586 | 0.12007769396051457
CUMUL 2019 (octobre 2018- septembre 2019) | 0.10272105950728723 | 0.15485699467589883 | 0.13602181467745952 | 0.1652731115919503 | 0.12377708562221774 | 0.10965032220657434 | 0.12148650220965547 | 0.1454587835706145 | 0.1454587835706145 | 0.10111881804711491 | 0.10111881804711491 | 0.12220968811849597
Rémunération moyenne des dépôts
TRIM 4 2020 (juil -sept. 2020) | 0.010804277397690198 | 0.020349270902167836 | 0.021818631897430163 | 0.018188893745654272 | 0.008899415187510463 | 0.0074734089190782935 | 0.010574537505724414 | 0.03452087421442709 | 0.03452087421442709 | 0.0008842208748842005 | 0.0008842208748842005 | 0.010857599662206214
TRIM 4 2019 (juil -sept. 2019) | 0.014613636273844426 | 0.017890608519726865 | 0.023548610050346138 | 0.024674206119214687 | 0.016430349714417286 | 0.010398655225798957 | 0.014988410505819647 | 0.05325354165490393 | 0.05325354165490393 | 0.0005883831164587601 | 0.0005883831164587601 | 0.0154098777944583
CUMUL 2020 (octobre 2019 - septembre 2020) | 0.012282762603193555 | 0.022461311082748087 | 0.023804172036362935 | 0.023385415843127966 | 0.011920106321050889 | 0.009864320691438952 | 0.013101877370454275 | 0.037619099417430135 | 0.037619099417430135 | 0.0007479361910118877 | 0.0007479361910118877 | 0.013334542446873971
CUMUL 2019 (octobre 2018- septembre 2019) | 0.012096653394315681 | 0.018361007040223812 | 0.02370310842082762 | 0.020726968599444458 | 0.012177762779105613 | 0.009444605335615003 | 0.012615668168602007 | 0.0510484400102438 | 0.0510484400102438 | 0.000495299702696508 | 0.000495299702696508 | 0.013043243209962358
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 4 2020 (juil -sept. 2020) | 0.5025303216521653 | 2.820880469579985 | 0.6039935050982148 | 0.5987770082353718 | 1.3453705489488625 | 3.017082947625521 | 1.1047947910348392 | 0.36568943114524743 | 0.36568943114524743 | 0.7610776670285206 | 0.7610776670285206 | 1.0684399848131745
TRIM 4 2019 (juil -sept. 2019) | 0.6654913670758014 | 0.8990568060299869 | 0.6150987278894205 | 0.6124649307584453 | 0.6863809888817263 | 0.7032448524580133 | 0.6733248192156012 | 0.43060720133796815 | 0.43060720133796815 | 1.0039156774860858 | 1.0039156774860858 | 0.6717362879530209
CUMUL 2020 (octobre 2019 - septembre 2020) | 0.5068533381221949 | 1.2216681302844923 | 0.6222613343159268 | 0.583526490831943 | 0.6407201760379787 | 0.892320545087006 | 0.7033331176051488 | 0.49087972928381 | 0.49087972928381 | 0.866632278167865 | 0.8389449896326516 | 0.7006410517279876
CUMUL 2019 (octobre 2018- septembre 2019) | 0.5972598218834595 | 0.9062650763599059 | 0.5985569077786781 | 0.5863579816296305 | 0.6857698436593007 | 0.5811749575711319 | 0.6155809847019501 | 0.5916207089570608 | 0.5916207089570608 | 0.730726127728492 | 0.730726127728492 | 0.6172109710663901
Productivité par employé ('000)
TRIM 4 2020 (juil -sept. 2020) | 6771.193831553975 | 696.8258607171315 | 6448.010484938578 | 4378.093359631821 | 2702.1761589190555 | 2159.9469836315193 | 3810.96166738958 | 10448.387747222218 | 10448.387747222218 | 15011.851851851852 | 15011.851851851852 | 3973.055292800555
TRIM 4 2019 (juil -sept. 2019) | 6317.4704466235435 | 1577.1901575384618 | 5796.043891246683 | 3877.9693094629156 | 4829.368422545177 | 5756.231666955496 | 5155.036504187972 | 8140.91322308725 | 8140.91322308725 | 11398.17543859649 | 11398.17543859649 | 5238.718660147558
CUMUL 2020 (octobre 2019 - septembre 2020) | 6294.964816176287 | 1360.743204496124 | 5877.378218485537 | 4014.313700384123 | 4177.999999988923 | 4908.461462201694 | 4776.005709503647 | 7456.544110000001 | 7456.544110000001 | 14047.6 | 14047.6 | 4869.394611425701
CUMUL 2019 (octobre 2018- septembre 2019) | 5332.309882864483 | 1403.7325599610897 | 5952.315043404255 | 3603.8797953964195 | 4207.422749826219 | 6122.430413302108 | 4862.919437798959 | 12772.340337049181 | 5228.944701744967 | 13604.16393442623 | 13604.16393442623 | 4924.278001179502
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé juin 20]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 30 juin 2020 | 0.08573911438978488 | -0.058923165729833284 | 0.07657026042942291 | 0.08991131259995506 | 0.06004026608751114 | 0.07144721711798808 | 0.07144527428345726 | 0.07516047247140901 | 0.07516047247140901 | 0.0843299644792254 | 0.0843299644792254 | 0.07166107553236536
Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684
Dépôts en % de l'actif
Au 30 juin 2020 | 0.7704210270398636 | 0.8629659032314602 | 0.8039837252382535 | 0.8252434706337759 | 0.8296671632155007 | 0.85417184822682 | 0.8242616447519785 | 0.6769191528948054 | 0.6769191528948054 | 0.7405982336891077 | 0.7405982336891077 | 0.8203873694271262
Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 30 juin 2020 | 0.281147482341962 | 0.8279649217376991 | 0.024808999908510893 | 0.013559576785149388 | 0.033248046564712086 | 0.010000093599550227 | 0.07948976054041576 | 0.09645939078342647 | 0.09645939078342647 | 0 | 0 | 0.07989117260959057
Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 30 juin 2020 | 0.24863600734854346 | 0.7693103327071958 | 1.505881332048787 | 2.0162868404729988 | 1.5449536197032367 | 2.9578814627810397 | 0.6397364023666007 | 0.4357718511673809 | 0.4357718511673809 | 0 | 0 | 0.6297495206404622
Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 30 juin 2020 | 0.6396040129002063 | N/A | -0.0734147220346416 | -0.04765981217444394 | -0.08463506167649712 | -0.06691681623902972 | 0.11154719169151828 | 0.41277475077025183 | 0.41277475077025183 | 0 | 0 | 0.116449216102434
Au 30 septembre 2019 | 0.5889828175113131 | N/A | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 3 2020 (avril -juin 2020) | 0.01671781611158322 | -0.019696825537021165 | 0.011562846079486438 | 0.03766775670982875 | 0.019376008718451118 | 0.025363711573072118 | 0.02123464223938926 | 0.008750219344335227 | 0.008750219344335227 | 0.019918500282076743 | 0.019918500282076743 | 0.020961593270304342
TRIM 3 2019 (avril - juin 2019) | 0.015348468920800612 | -0.0064210399709367155 | 0.01681171770981441 | 0.04079073852592352 | 0.008782433794080328 | 0.024293737400881286 | 0.01853946419440799 | 0.0007133478599065058 | 0.0007133478599065058 | 0.005451740764938398 | 0.005451740764938398 | 0.017965456869334734
CUMUL 2020 (octobre 2019 - juin 2020) | 0.020154043170710813 | -0.004379773190810974 | 0.01398615209050747 | 0.03350865102549872 | 0.011668164563625709 | 0.015418680427257693 | 0.01640762213435388 | 0.013433877026329944 | 0.013433877026329944 | 0.006052542617894445 | 0.006052542617894445 | 0.016211839440447514
CUMUL 2019 (octobre 2018- juin 2019) | 0.021756373570914766 | -0.00047499192057400295 | 0.01884429289512566 | 0.03682096588938024 | 0.009889984596453788 | 0.02559053973463363 | 0.02056643431957052 | 0.007380595919428877 | 0.007380595919428877 | 0.016505629296348776 | 0.016505629296348776 | 0.020209571914552048
ROE (rendement de l'avoir des actionn.)
TRIM 3 2020 (avril -juin 2020) | 0.18516519498386913 | -0.575103723938027 | 0.14036933275488783 | 0.39386697908793306 | 0.3227633296304878 | 0.33271491901803113 | 0.28259368810436797 | 0.11399442932197489 | 0.11399442932197489 | 0.2598155058988841 | 0.2598155058988841 | 0.27876566931097746
TRIM 3 2019 (avril - juin 2019) | 0.16674153050067514 | 0.6653225103859363 | 0.16055358059987018 | 0.46231775486665777 | 0.12251833124648655 | 0.2690181917584282 | 0.21731026285649138 | 0.008625381973971434 | 0.008625381973971434 | 0.07286474082505377 | 0.07286474082505377 | 0.21111529187265973
CUMUL 2020 (octobre 2019 - juin 2020) | 0.229488462759281 | 0.12185897328660679 | 0.1618529160175133 | 0.36286767819878446 | 0.17912738460798303 | 0.19487669947681951 | 0.21240157845486204 | 0.1687797791184871 | 0.1687797791184871 | 0.07898945940599655 | 0.07898945940599655 | 0.20975921484032908
CUMUL 2019 (octobre 2018- juin 2019) | 0.23674702333066347 | 0.04353861828103738 | 0.17258568857380904 | 0.40251577596406496 | 0.13062931033185843 | 0.2870865294922082 | 0.23775944980216282 | 0.08544973020432862 | 0.08544973020432862 | 0.25918818717674147 | 0.25918818717674147 | 0.2347142583864681
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 3 2020 (avril -juin 2020) | 0.8351782500007618 | 0.518090933498567 | 0.74331940957252 | 0.7225226518262673 | 0.7795262875158522 | 0.788448390358405 | 0.7831756341144467 | 0.6760963578924486 | 0.6760963578924486 | 0.9572654334744818 | 0.9572654334744818 | 0.7804278155253289
TRIM 3 2019 (avril - juin 2019) | 0.7991732121660189 | 0.584805888752053 | 0.7566172339256508 | 0.7622795642867084 | 0.7940562586988974 | 0.7410714351991868 | 0.7703746626772013 | 0.4751031758026804 | 0.7566172339256508 | 0.969113049969673 | 0.969113049969673 | 0.7620861396784123
CUMUL 2020 (octobre 2019 - juin 2020) | 0.8377502250103177 | 0.6436422290492873 | 0.7487135368000568 | 0.7059931035028536 | 0.7587754950084974 | 0.7438504456153846 | 0.7680001038900113 | 0.6989501923651663 | 0.6989501923651663 | 0.9686329086821539 | 0.9686329086821539 | 0.7667032956445794
CUMUL 2019 (octobre 2018- juin 2019) | 0.8261194276513231 | 0.6132258583543213 | 0.7558926056705222 | 0.770074539022827 | 0.7930800143257604 | 0.7752387125862695 | 0.7872341884216528 | 0.5293692702711273 | 0.5293692702711273 | 0.9737103323808092 | 0.9737103323808092 | 0.7801581329476102
Rendement moyen des prêts
TRIM 3 2020 (avril -juin 2020) | 0.0761037858979287 | 0.02717998566663581 | 0.12252313684931804 | 0.15196241202275046 | 0.09003649668553176 | 0.08948115191460596 | 0.09600222334402854 | 0.10439704882376909 | 0.10439704882376909 | 0.12207447978057359 | 0.12207447978057359 | 0.09645599972261636
TRIM 3 2019 (avril - juin 2019) | 0.07691017477253129 | 0.041304134025451966 | 0.13170603987034732 | 0.15920993460155564 | 0.11461819513197079 | 0.10518657891814917 | 0.11061834754578471 | 0.10558516433657272 | 0.10558516433657272 | 0.0928628076980961 | 0.0928628076980961 | 0.11033492416793836
CUMUL 2020 (octobre 2019 - juin 2020) | 0.08580751221077627 | 0.028679509245921705 | 0.12573311818906568 | 0.15655293207174217 | 0.10291644670512982 | 0.09282356622653164 | 0.10336503576338883 | 0.11176967130898917 | 0.11176967130898917 | 0.13817620260423236 | 0.13817620260423236 | 0.10383919973789829
CUMUL 2019 (octobre 2018- juin 2019) | 0.0853484657210849 | 0.04370812788679301 | 0.12896612293128354 | 0.16001858950381642 | 0.11054454117033756 | 0.10463137030956214 | 0.11034483265985444 | 0.10464822506164917 | 0.10464822506164917 | 0.08879338887650091 | 0.08879338887650091 | 0.11000348972325841
Rendement moyen des prêts productifs
TRIM 3 2020 (avril -juin 2020) | 0.1026545648523384 | 0.14603705681488094 | 0.12508606985818635 | 0.1536951746564488 | 0.09249745034058196 | 0.09033207016532609 | 0.10347088851369121 | 0.11789607028379416 | 0.11789607028379416 | 0.12207447978057359 | 0.12207447978057359 | 0.10411567979150106
TRIM 3 2019 (avril - juin 2019) | 0.09294538156142053 | 0.13755554355462607 | 0.13290134426501235 | 0.1600581823342114 | 0.12164987652565022 | 0.10537057393438794 | 0.11715781633155857 | 0.12598586761196412 | 0.12598586761196412 | 0.0928628076980961 | 0.0928628076980961 | 0.11733920459795437
CUMUL 2020 (octobre 2019 - juin 2020) | 0.11630923544859122 | 0.15285602476774549 | 0.12857967364614703 | 0.15822450605786711 | 0.10563403189048777 | 0.09364601161456572 | 0.11130940406810645 | 0.126470625214243 | 0.126470625214243 | 0.13817620260423236 | 0.13817620260423236 | 0.11199624543507698
CUMUL 2019 (octobre 2018- juin 2019) | 0.10140011175142734 | 0.131723648622754 | 0.12992586443563897 | 0.16084756114982116 | 0.11474221297931624 | 0.1047805753964428 | 0.1158066559910348 | 0.1281767877747874 | 0.1281767877747874 | 0.08879338887650091 | 0.08879338887650091 | 0.1160764296472066
Rémunération moyenne des dépôts
TRIM 3 2020 (avril -juin 2020) | 0.010319204897890061 | 0.021772563742620245 | 0.019568605126516144 | 0.017842006666433586 | 0.008835914920241673 | 0.007005045976102866 | 0.010058637838116693 | 0.029852248273961962 | 0.029852248273961962 | 0.000705288572336619 | 0.000705288572336619 | 0.010274560858726349
TRIM 3 2019 (avril - juin 2019) | 0.011637654995215315 | 0.016840897903231032 | 0.02359804999735241 | 0.018828374511909468 | 0.010552784995542096 | 0.010454693104235028 | 0.012300094928839166 | 0.05652274262898843 | 0.05652274262898843 | 0.0006157785820209862 | 0.0006157785820209862 | 0.012835873234276159
CUMUL 2020 (octobre 2019 - juin 2020) | 0.01129260164010539 | 0.01906907625088311 | 0.020122123980743912 | 0.02038541302442347 | 0.010496967386364865 | 0.008831450356259173 | 0.011606283274948163 | 0.030266711426524578 | 0.030266711426524578 | 0.0006448047669652465 | 0.0006448047669652465 | 0.011783822403044632
CUMUL 2019 (octobre 2018- juin 2019) | 0.010942639078804857 | 0.017704604039973693 | 0.0238249179058808 | 0.018735581157075097 | 0.010385794202737776 | 0.009010359890928315 | 0.011554362141635618 | 0.049657653238126404 | 0.049657653238126404 | 0.0004913778714806518 | 0.0004913778714806518 | 0.011994602195689421
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 3 2020 (avril -juin 2020) | 0.5330854115431719 | 1.475878295617167 | 0.7020692859809257 | 0.5576210332676578 | 0.551046928884019 | 0.4979191023478426 | 0.5484775374015628 | 0.5743850275828994 | 0.5743850275828994 | 0.6689164816314098 | 0.6689164816314098 | 0.5510856088452428
TRIM 3 2019 (avril - juin 2019) | 0.6658837600377637 | 1.0569942952206883 | 0.6044430267801003 | 0.5509433360530044 | 0.7015536173695637 | 0.5915624209061623 | 0.6306628695199205 | 0.6673889116391749 | 0.6673889116391749 | 0.8819499744767738 | 0.8819499744767738 | 0.6352370900164351
CUMUL 2020 (octobre 2019 - juin 2020) | 0.5085464793731093 | 0.994149657309267 | 0.6293371628296133 | 0.5780139256920072 | 0.6407201760379787 | 0.6263802046196718 | 0.6035550373107437 | 0.5569687580842909 | 0.5569687580842909 | 0.866632278167865 | 0.866632278167865 | 0.6066740678073432
CUMUL 2019 (octobre 2018- juin 2019) | 0.568833012038608 | 0.9091266291295053 | 0.5921573346474669 | 0.5767502503530184 | 0.6855326441384807 | 0.5441055727487988 | 0.5947780380281374 | 0.6942282068335683 | 0.6942282068335683 | 0.6642434412597575 | 0.6642434412597575 | 0.59748286580008
Productivité par employé ('000)
TRIM 3 2020 (avril -juin 2020) | 5428.266831469195 | 1330.2014478124997 | 5480.877952543107 | 4210.55418559377 | 5611.390085062202 | 7036.744971306013 | 5617.315340755176 | 5916.39277823129 | 5916.39277823129 | 17821.571428571428 | 17821.571428571428 | 5692.983989899741
TRIM 3 2019 (avril - juin 2019) | 4551.981502890174 | 1221.212696 | 5562.041203531034 | 3965.965744400527 | 4468.834262028105 | 6707.122555603006 | 5002.854266765848 | 4174.578436756757 | 4174.578436756757 | 13747.368421052632 | 13747.368421052632 | 5042.330423047017
CUMUL 2020 (octobre 2019 - juin 2020) | 6016.206496478843 | 1619.7413649538867 | 5692.377138946443 | 3990.11306042885 | 4778.4373387837395 | 5859.448208504588 | 5150.51817680965 | 6419.040370810812 | 6419.040370810812 | 13332.350877192983 | 13332.350877192983 | 5218.91781590136
CUMUL 2019 (octobre 2018- juin 2019) | 4999.534365536361 | 1339.7764340856031 | 5775.192280286298 | 3548.821705426357 | 4023.9284966105934 | 6288.722680402458 | 4774.291285804356 | 10574.749844444445 | 4287.060747747748 | 14831.77777777778 | 14831.77777777778 | 4829.859061362402
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé mars 20 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 31 mars 2020 | 0.09420256618331119 | -0.0067993314164298095 | 0.08939263275988853 | 0.10245884646241558 | 0.060021815483584935 | 0.08165872655324702 | 0.07933355325767283 | 0.07847855242754309 | 0.07847855242754309 | 0.07005692615684217 | 0.07005692615684217 | 0.0791823548429326
Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684
Dépôts en % de l'actif
Au 31 mars 2020 | 0.7658486333820822 | 0.851954695642904 | 0.780466419810443 | 0.8178248058697369 | 0.8137372784567682 | 0.8603255118443255 | 0.8183009053713471 | 0.6284297507557721 | 0.6284297507557721 | 0.7780513173829825 | 0.7780513173829825 | 0.8137194379023642
Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 mars 2020 | 0.23414864928628235 | 0.7988521664770759 | 0.015891180976495802 | 0.008965554219023354 | 0.019390433983143454 | 0.008780948279076651 | 0.06427856110998192 | 0.1342088915881554 | 0.1342088915881554 | 0 | 0 | 0.06674131581510853
Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 mars 2020 | 0.25361719756326867 | 0.6100461869955214 | 2.231108488694012 | 0.8438677995802515 | 2.76039087169802 | 2.03944674254619 | 0.6566592256690548 | 0.2917588277083616 | 0.2917588277083616 | 0 | 0 | 0.6272456657542038
Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 mars 2020 | 0.4809180440125918 | N/A | -0.1113479378397061 | 0.005013532448269014 | -0.1668649038445832 | -0.028104007912528088 | 0.08117999520295544 | 0.6789100051581731 | 0.6789100051581731 | 0 | 0 | 0.09264077844295279
Au 30 septembre 2019 | 0.5889828175113131 | N/A | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 2 2020 (janvier - mars 2020) | 0.021760657074730835 | -0.001678898383038154 | 0.015653605603897877 | 0.030304412109995685 | 0.008841594813664129 | 0.019074148687235958 | 0.01717366028238661 | 0.017142749879458727 | 0.017142749879458727 | 0.002020740956685737 | 0.002020740956685737 | 0.016959799387009047
TRIM 2 2019 (janvier-mars 2019) | 0.02268186722825861 | -0.0007165057403698273 | 0.020353999467605036 | 0.04026412525316922 | 0.009588939942352933 | 0.023389713002209225 | 0.020251810664455337 | 0.01244715147614746 | 0.01244715147614746 | 0.016944913006644226 | 0.016944913006644226 | 0.02003021729944826
CUMUL 2020 (octobre 2019 - mars 2020) | 0.022526426495002142 | 0.0037201696403743826 | 0.01715639147376415 | 0.03449651967894263 | 0.00797633777811305 | 0.010775623678789675 | 0.014655761316052673 | 0.016218350596774157 | 0.016218350596774157 | -0.0007326128500132524 | -0.0007326128500132524 | 0.014458665858972613
CUMUL 2019 (octobre 2018- mars 2019) | 0.025325366104606718 | 0.0028725536272824507 | 0.019604791364183943 | 0.03451236302714261 | 0.010313125142571856 | 0.02631730677899574 | 0.02157239921283147 | 0.011080685958427964 | 0.011080685958427964 | 0.022767405556161305 | 0.022767405556161305 | 0.02136684055363022
ROE (rendement de l'avoir des actionn.)
TRIM 2 2020 (janvier - mars 2020) | 0.23081001833348017 | -0.253815752921139 | 0.16397783591910184 | 0.29289911761559234 | 0.1313127199346995 | 0.23027969178714316 | 0.20843053712728732 | 0.20107861944078553 | 0.20107861944078553 | 0.02722273037779759 | 0.02722273037779759 | 0.20597474131614604
TRIM 2 2019 (janvier-mars 2019) | 0.24308228074071578 | 0.07663312624301806 | 0.18401497573904185 | 0.46150256114690935 | 0.12987602941060108 | 0.251103090571519 | 0.23143999613788266 | 0.13454945739224075 | 0.13454945739224075 | 0.25370448348949526 | 0.25370448348949526 | 0.22958426993536216
CUMUL 2020 (octobre 2019 - mars 2020) | 0.24401575332876393 | -0.4717436409843026 | 0.18255963963051966 | 0.34904868489954405 | 0.12179260479019192 | 0.12690163318222725 | 0.17934508711713718 | 0.19902965622254723 | 0.19902965622254723 | -0.010454193248295149 | -0.010454193248295149 | 0.17732093459868628
CUMUL 2019 (octobre 2018- mars 2019) | 0.27020038958153814 | -0.2677168440484297 | 0.17308863179837541 | 0.3862715753321618 | 0.13783092084902657 | 0.28306903452558985 | 0.24476006828732735 | 0.12408711777187649 | 0.12408711777187649 | 0.3494795417596319 | 0.3494795417596319 | 0.2434611690008509
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 2 2020 (janvier - mars 2020) | 0.8403411263777026 | 0.6755788009069311 | 0.7480743635451061 | 0.7086728436679316 | 0.7524060485007702 | 0.7521764507030515 | 0.7699886047080241 | 0.7212921416479149 | 0.7212921416479149 | 0.9713974749673487 | 0.9713974749673487 | 0.7693209483793898
TRIM 2 2019 (janvier-mars 2019) | 0.8423629104488134 | 0.618182892741759 | 0.75813368793518 | 0.7706964050485733 | 0.783713647752467 | 0.7773973836780025 | 0.79025492854515 | 0.6008746961431273 | 0.75813368793518 | 0.9741421733100702 | 0.9741421733100702 | 0.7847672365138632
CUMUL 2020 (octobre 2019 - mars 2020) | 0.8389166965998596 | 0.6946614384549571 | 0.7512993238108773 | 0.6985397810245645 | 0.7491215437694093 | 0.7217119245908057 | 0.7608820557602168 | 0.7094931603408572 | 0.7094931603408572 | 0.9729336621766901 | 0.9729336621766901 | 0.7602756768147578
CUMUL 2019 (octobre 2018- mars 2019) | 0.8389116474585055 | 0.6263199473027965 | 0.7554784552531377 | 0.7742483401917842 | 0.7925301601901361 | 0.7938990169479706 | 0.7962299805104872 | 0.5584176849021352 | 0.5584176849021352 | 0.975897196883947 | 0.975897196883947 | 0.7897957942006811
Rendement moyen des prêts
TRIM 2 2020 (janvier - mars 2020) | 0.09218677052809676 | 0.033864458885747656 | 0.1256322454387969 | 0.1599385843369144 | 0.10597950420248481 | 0.09845371495820776 | 0.10770703901531604 | 0.12341757816979888 | 0.12341757816979888 | 0.12140524177487454 | 0.12140524177487454 | 0.10840077772053833
TRIM 2 2019 (janvier-mars 2019) | 0.09431399997605562 | 0.040084249391138374 | 0.12706644950070067 | 0.15639523492477364 | 0.10227730200528151 | 0.10351228546965903 | 0.10867103731232967 | 0.113467457669822 | 0.113467457669822 | 0.10784674721345557 | 0.10784674721345557 | 0.10885839589444286
CUMUL 2020 (octobre 2019 - mars 2020) | 0.09421493062395758 | 0.030570398148414713 | 0.1317500317774254 | 0.1618447096677688 | 0.11399068874798436 | 0.10066507289616458 | 0.11189351364179032 | 0.11984454050642646 | 0.11984454050642646 | 0.12327571645740668 | 0.12327571645740668 | 0.11225992412144635
CUMUL 2019 (octobre 2018- mars 2019) | 0.09372509414291669 | 0.045565518764527586 | 0.1292097473675441 | 0.16266708927451967 | 0.1066307682083664 | 0.10655912998502658 | 0.11157019064057752 | 0.10472585694693781 | 0.10472585694693781 | 0.10348283567046077 | 0.10348283567046077 | 0.11125607874688788
Rendement moyen des prêts productifs
TRIM 2 2020 (janvier - mars 2020) | 0.12143026524377346 | 0.16380291492225385 | 0.12734029101501654 | 0.1611738222099859 | 0.10818332170317632 | 0.09930066386778566 | 0.1152298049973537 | 0.1431319197488968 | 0.1431319197488968 | 0.12140524177487454 | 0.12140524177487454 | 0.11628646598523394
TRIM 2 2019 (janvier-mars 2019) | 0.10263897162361611 | 0.12410572452539662 | 0.12783048532478195 | 0.15709533019324295 | 0.10611945517601125 | 0.10367055789323434 | 0.11243490232756488 | 0.12773525471302927 | 0.12773525471302927 | 0.10784674721345557 | 0.10784674721345557 | 0.11297564272028743
CUMUL 2020 (octobre 2019 - mars 2020) | 0.12357552809983982 | 0.15094501450834905 | 0.13411280757851907 | 0.16320258967085843 | 0.1161343859239449 | 0.10149065703399461 | 0.11948386987087857 | 0.1387785422821374 | 0.1387785422821374 | 0.12327571645740668 | 0.12327571645740668 | 0.12019823428106376
CUMUL 2019 (octobre 2018- mars 2019) | 0.09997186543923463 | 0.1341754964290585 | 0.13000811613628088 | 0.1633065481107861 | 0.11039273485546712 | 0.1067026138590161 | 0.11502496992531225 | 0.12426626091368263 | 0.12426626091368263 | 0.10348283567046077 | 0.10348283567046077 | 0.11529268223578006
Rémunération moyenne des dépôts
TRIM 2 2020 (janvier - mars 2020) | 0.011458452631423617 | 0.018190588227550767 | 0.021844890168263447 | 0.022732771377280844 | 0.011527305405605663 | 0.00897436012323441 | 0.012213295155460248 | 0.03241618404216323 | 0.03241618404216323 | 0.0006051442093421324 | 0.0006051442093421324 | 0.012387800130462097
TRIM 2 2019 (janvier-mars 2019) | 0.01014578183773737 | 0.01749431707018162 | 0.02332546952140637 | 0.01848949016666928 | 0.010265996118795466 | 0.008807214855897897 | 0.01121702953359048 | 0.04798125578668689 | 0.04798125578668689 | 0.0004731960628122746 | 0.0004731960628122746 | 0.01160651995870145
CUMUL 2020 (octobre 2019 - mars 2020) | 0.012132236354018989 | 0.018563847783927064 | 0.022731186419212047 | 0.023812911801728513 | 0.012095536139478927 | 0.010246110765574405 | 0.013113208841169328 | 0.032421018083637766 | 0.032421018083637766 | 0.0005498600244375095 | 0.0005498600244375095 | 0.013253001861009618
CUMUL 2019 (octobre 2018- mars 2019) | 0.010580342412497046 | 0.01880670281483534 | 0.02390202117357829 | 0.018614189548796307 | 0.010309459699045759 | 0.008199836143487245 | 0.011139429718524652 | 0.04819692575014714 | 0.04819692575014714 | 0.0004622285630863248 | 0.0004622285630863248 | 0.011548725564044425
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 2 2020 (janvier - mars 2020) | 0.5004985836299077 | 0.9198087854633096 | 0.6267635577976874 | 0.6250010397921525 | 0.7078479395662455 | 0.621662853158241 | 0.6207706621549164 | 0.5577907593264487 | 0.5577907593264487 | 0.9470716104589777 | 0.9470716104589777 | 0.6236537505851759
TRIM 2 2019 (janvier-mars 2019) | 0.5288404310286845 | 0.9177519704426 | 0.5726556606719388 | 0.5598822525693687 | 0.6934390281143995 | 0.5522059832837881 | 0.58799581294385 | 0.6289001147735945 | 0.6289001147735945 | 0.5875081738983694 | 0.5875081738983694 | 0.5886580318991319
CUMUL 2020 (octobre 2019 - mars 2020) | 0.49729597566032474 | 0.8095927381717701 | 0.598971601861726 | 0.5891015568438384 | 0.6960305937969488 | 0.713919795067942 | 0.6357596512187293 | 0.5493200375766211 | 0.5493200375766211 | 1.0205706867713509 | 1.0205706867713509 | 0.639152421232802
CUMUL 2019 (octobre 2018- mars 2019) | 0.5267770752768209 | 0.8435034638243205 | 0.5853369607420804 | 0.5916030680303377 | 0.6764132400017467 | 0.5182762567582282 | 0.5756355653308904 | 0.7071265437984247 | 0.7071265437984247 | 0.5737959408733273 | 0.5737959408733273 | 0.5774643143764936
Productivité par employé ('000)
TRIM 2 2020 (janvier - mars 2020) | 5829.231848741878 | 1515.50951625 | 5732.9055647334235 | 3668.3941513032423 | 4435.854609594072 | 6328.1015600770115 | 5101.302037261971 | 7144.876563835616 | 7144.876563835616 | 11298.947368421053 | 11298.947368421053 | 5168.521726219659
TRIM 2 2019 (janvier-mars 2019) | 5271.737493606138 | 1372.3313323320156 | 5473.471573140831 | 3780.8064085447263 | 3903.7291208351335 | 6080.174882333465 | 4754.413361078533 | 5079.668718378378 | 5079.668718378378 | 12641.866666666667 | 12641.866666666667 | 4809.065875881014
CUMUL 2020 (octobre 2019 - mars 2020) | 6195.16616984501 | 1689.8329379467684 | 5770.8373686979185 | 3771.772439949431 | 4392.65845215541 | 5221.070811216113 | 4860.501748665057 | 6645.450289395974 | 6645.450289395974 | 11244.070175438597 | 11244.070175438597 | 4925.8629704266805
CUMUL 2019 (octobre 2018- mars 2019) | 5215.363979591836 | 1391.9306025680935 | 5774.082851891892 | 3445.451910408432 | 3825.816294791137 | 6106.050495689656 | 4686.203159893327 | 4343.301903243242 | 4343.301903243242 | 15460 | 15460 | 4749.832602896402
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé dec. 19 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 31 décembre 2019 | 0.09436117748672314 | -0.006428564913867153 | 0.10162776785899653 | 0.1044668421051927 | 0.07532580625835752 | 0.08410686751631948 | 0.08567328218073887 | 0.0928580302530783 | 0.0928580302530783 | 0.07889649336579027 | 0.07889649336579027 | 0.08572475488034964
Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684
Dépôts en % de l'actif
Au 31 décembre 2019 | 0.7619414616792699 | 0.8585330637261857 | 0.7663555216093153 | 0.7864830077225882 | 0.8087229946706611 | 0.8525598271342133 | 0.8095354196720753 | 0.634507152796285 | 0.634507152796285 | 0.7111720634421281 | 0.7111720634421281 | 0.8046545610095294
Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 décembre 2019 | 0.24763967655945274 | 0.7876574279054495 | 0.010855113704688618 | 0.006385091950170793 | 0.02138492347377597 | 0.008273772085254021 | 0.06631124449054607 | 0.14142684633938823 | 0.14142684633938823 | 0 | 0 | 0.06890648095086685
Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 décembre 2019 | 0.2133166732280095 | 0.613967507096046 | 1.501234252109502 | 1.244602192859151 | 1.9146075871874517 | 1.876150408396283 | 0.5170574328718399 | 0.27011703919503677 | 0.27011703919503677 | 0 | 0 | 0.49723871464141217
Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 décembre 2019 | 0.5564842107168224 | N/A | -0.026806988526566714 | -0.0055743027876959785 | -0.080584939165063 | -0.0232824582826041 | 0.11452112368370644 | 0.6680983058800134 | 0.6680983058800134 | 0 | 0 | 0.12515247583713598
Au 30 septembre 2019 | 0.5889828175113131 | N/A | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 1 2020 (octobre - décembre 2019) | 0.02379299850038146 | 0.009190650593310024 | 0.01867338606244892 | 0.03873158011070086 | 0.0074782954241641286 | 0.0028151832432974384 | 0.012607811648673103 | 0.01654923014973896 | 0.01654923014973896 | -0.0035482765969820406 | -0.0035482765969820406 | 0.012451628273259576
TRIM 1 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.029050635152999014 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012
CUMUL 2020 (octobre - décembre 2019) | 0.02379299850038146 | 0.009190650593310024 | 0.01867338606244892 | 0.03873158011070086 | 0.0074782954241641286 | 0.0028151832432974384 | 0.012607811648673103 | 0.01654923014973896 | 0.01654923014973896 | -0.0035482765969820406 | -0.0035482765969820406 | 0.012451628273259576
CUMUL 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.019490123891151324 | 0.027284255396616375 | 0.011162017828076614 | 0.02905063515299901 | 0.02276806214743428 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022529713532723313
ROE (rendement de l'avoir des actionn.)
TRIM 1 2020 (octobre - décembre 2019) | 0.25767501094667455 | -1.1934859292026445 | 0.18638972687884062 | 0.3879576227899974 | 0.10193133850554109 | 0.03263355241886675 | 0.14838910019142812 | 0.1865433048531802 | 0.1865433048531802 | -0.04781152584532389 | -0.04781152584532389 | 0.14669043242913027
TRIM 1 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.16779320088499758 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.25610076897032075 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25474847216008883
CUMUL 2020 (octobre - décembre 2019) | 0.25767501094667455 | -1.1934859292026445 | 0.18638972687884062 | 0.3879576227899974 | 0.10193133850554109 | 0.03263355241886675 | 0.14838910019142812 | 0.1865433048531802 | 0.1865433048531802 | -0.04781152584532389 | -0.04781152584532389 | 0.14669043242913027
CUMUL 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.16779320088499758 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.25610076897032075 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25474847216008883
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 1 2020 (octobre - décembre 2019) | 0.8375954510608093 | 0.7118784669988987 | 0.7542461032491434 | 0.6888934167362823 | 0.7461146478069605 | 0.6927160144577232 | 0.7524022533979444 | 0.6970810691737223 | 0.6970810691737223 | 0.9743757407331726 | 0.9743757407331726 | 0.7518187373994961
TRIM 1 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.7526942308994241 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005
CUMUL 2020 (octobre - décembre 2019) | 0.8375954510608093 | 0.7118784669988987 | 0.7542461032491434 | 0.6888934167362823 | 0.7461146478069605 | 0.6927160144577232 | 0.7524022533979444 | 0.6970810691737223 | 0.6970810691737223 | 0.9743757407331726 | 0.9743757407331726 | 0.7518187373994961
CUMUL 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005
Rendement moyen des prêts
TRIM 1 2020 (octobre - décembre 2019) | 0.0969628009835767 | 0.02774552620463863 | 0.142724664788435 | 0.16563600362995473 | 0.12557471374958676 | 0.10767786894146938 | 0.11949026882233647 | 0.11928635018216183 | 0.11928635018216183 | 0.1256456899245927 | 0.1256456899245927 | 0.11951289060957562
TRIM 1 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976
CUMUL 2020 (octobre - décembre 2019) | 0.0969628009835767 | 0.02774552620463863 | 0.142724664788435 | 0.16563600362995473 | 0.12557471374958676 | 0.10767786894146938 | 0.11949026882233647 | 0.11928635018216183 | 0.11928635018216183 | 0.1256456899245927 | 0.1256456899245927 | 0.11951289060957562
CUMUL 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976
Rendement moyen des prêts productifs
TRIM 1 2020 (octobre - décembre 2019) | 0.12832445993179606 | 0.133358017075154 | 0.1449247266075275 | 0.1668140323013843 | 0.12806245291986645 | 0.10853389763512604 | 0.12773064533170714 | 0.13871878857439993 | 0.13871878857439993 | 0.1256456899245927 | 0.1256456899245927 | 0.12810858499327352
TRIM 1 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615
CUMUL 2020 (octobre - décembre 2019) | 0.12832445993179606 | 0.133358017075154 | 0.1449247266075275 | 0.1668140323013843 | 0.12806245291986645 | 0.10853389763512604 | 0.12773064533170714 | 0.13871878857439993 | 0.13871878857439993 | 0.1256456899245927 | 0.1256456899245927 | 0.12810858499327352
CUMUL 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615
Rémunération moyenne des dépôts
TRIM 1 2020 (octobre - décembre 2019) | 0.013118688831550901 | 0.01841463685451675 | 0.023884095725704935 | 0.025654107235371242 | 0.013414077993527418 | 0.012164487680102481 | 0.014638640820022667 | 0.03475662103141318 | 0.03475662103141318 | 0.0005923685080084302 | 0.0005923685080084302 | 0.014777851837649908
TRIM 1 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281
CUMUL 2020 (octobre - décembre 2019) | 0.013118688831550901 | 0.01841463685451675 | 0.023884095725704935 | 0.025654107235371242 | 0.013414077993527418 | 0.012164487680102481 | 0.014638640820022667 | 0.03475662103141318 | 0.03475662103141318 | 0.0005923685080084302 | 0.0005923685080084302 | 0.014777851837649908
CUMUL 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 1 2020 (octobre - décembre 2019) | 0.4941718212877114 | 0.7242221429563089 | 0.5714715595256036 | 0.5554918111515788 | 0.6841536312341235 | 0.8579381880663467 | 0.6525381492591302 | 0.5398916086199377 | 0.5398916086199377 | 1.0947907128432197 | 1.0947907128432197 | 0.6564752376044304
TRIM 1 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.5995785177308568 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5628824471909625 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5659659174323198
CUMUL 2020 (octobre - décembre 2019) | 0.4941718212877114 | 0.7242221429563089 | 0.5714715595256036 | 0.5554918111515788 | 0.6841536312341235 | 0.8579381880663467 | 0.6525381492591302 | 0.5398916086199377 | 0.5398916086199377 | 1.0947907128432197 | 1.0947907128432197 | 0.6564752376044304
CUMUL 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.5995785177308568 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5628824471909625 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5659659174323198
Productivité par employé ('000)
TRIM 1 2020 (octobre - décembre 2019) | 6244.886755555554 | 1979.7695225296445 | 5854.667304914587 | 3923.2998090388287 | 4304.4478734843005 | 4104.300162807018 | 4582.3292026877425 | 6375.457196734696 | 6375.457196734696 | 10996.275862068966 | 10996.275862068966 | 4648.235333066113
TRIM 1 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712
CUMUL 2020 (octobre - décembre 2019) | 6244.886755555554 | 1979.7695225296445 | 5854.667304914587 | 3923.2998090388287 | 4304.4478734843005 | 4104.300162807018 | 4582.3292026877425 | 6375.457196734696 | 6375.457196734696 | 10996.275862068966 | 10996.275862068966 | 4648.235333066113
CUMUL 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé sept. 19 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684
Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032
Dépôts en % de l'actif
Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537
Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993
Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754
Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 30 septembre 2019 | 0.5889828175113131 | N/A | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098
Au 30 septembre 2018 | 0.021349068078803504 | N/A | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 4 2019 (juil -sept. 2019) | 0.00924732317210062 | 0.0006016324266610527 | 0.011933237697431322 | 0.03102325477044324 | 0.01445341563999182 | 0.01321785534681411 | 0.014190999083790505 | 0.03011061735800396 | 0.03011061735800396 | -0.000142978296678007 | -0.000142978296678007 | 0.013974305616002493
TRIM 4 2018 (juil -sept. 2018) | 0.01941172005451372 | 0.002167658135441865 | 0.018813338948155907 | 0.024682736080239763 | 0.015586185610724354 | 0.0252147991466564 | 0.0206309277400867 | 0.03688294632223593 | 0.03688294632223593 | 0.008337919554860776 | 0.008337919554860776 | 0.020726571730055023
CUMUL 2019 (octobre 2018- septembre 2019) | 0.018573534464179725 | -0.00017349300779253164 | 0.01706156832542766 | 0.035819170004876506 | 0.011202453549889885 | 0.02259035407657341 | 0.018962642419595083 | 0.013439351213619317 | 0.013439351213619317 | 0.012102312249806381 | 0.012102312249806381 | 0.018724146924643456
CUMUL 2018 (octobre 2018- septembre 2018) | 0.020720351733213273 | 0.0012168757659851144 | 0.018998121490414625 | 0.02473652191211013 | 0.011383686790908908 | 0.017060211186497757 | 0.01682140966064208 | 0.019216713801520603 | 0.019216713801520603 | 0.005161310613850931 | 0.005161310613850931 | 0.016639662285024552
ROE (rendement de l'avoir des actionn.)
TRIM 4 2019 (juil -sept. 2019) | 0.10236669062318933 | -0.0637651020503427 | 0.11936837280339284 | 0.33453155366159176 | 0.200808815417434 | 0.15085635414798923 | 0.1647359285491044 | 0.36518626435745544 | 0.36518626435745544 | -0.001998466929478756 | -0.001998466929478756 | 0.16666873000929777
TRIM 4 2018 (juil -sept. 2018) | 0.2103474914748223 | -0.16754896363016406 | 0.17201526451500967 | 0.2637857262424176 | 0.19792982362464462 | 0.282737645325594 | 0.23555877284774998 | 0.40974677322387293 | 0.40974677322387293 | 0.16989537050308157 | 0.16989537050308157 | 0.2387962793676224
CUMUL 2019 (octobre 2018- septembre 2019) | 0.20231433087630732 | 0.01671486341039895 | 0.15873973726900506 | 0.37978477122949955 | 0.14928250147899153 | 0.25113775407264566 | 0.21878847271682278 | 0.15139889090489278 | 0.15139889090489278 | 0.19389415785068315 | 0.19389415785068315 | 0.2169808833566835
CUMUL 2018 (octobre 2018- septembre 2018) | 0.2334540945330806 | -0.09231568540463884 | 0.18780239558616707 | 0.26492047330513085 | 0.1429027887262395 | 0.1722516699332088 | 0.1864993337687162 | 0.2040257977670168 | 0.2040257977670168 | 0.08867031969088834 | 0.08867031969088834 | 0.18563221399481997
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 4 2019 (juil -sept. 2019) | 0.8136259716027285 | 0.6859355283398211 | 0.7638198684574243 | 0.7146865268799274 | 0.7393111929040466 | 0.7614515115780867 | 0.762712022531723 | 0.6649418283571837 | 0.6649418283571837 | 0.9691430725020022 | 0.9691430725020022 | 0.7596278660603382
TRIM 4 2018 (juil -sept. 2018) | 0.8641093937317053 | 0.6237761660204519 | 0.7333309927531915 | 0.7770362087782747 | 0.7458303788990746 | 0.7939169958127515 | 0.7890998227318937 | 0.5992556105741755 | 0.7333309927531915 | 0.9792784804218976 | 0.9792784804218976 | 0.7828202806399954
CUMUL 2019 (octobre 2018- septembre 2019) | 0.8222549367124287 | 0.6364740199698565 | 0.7581870521830335 | 0.7543258814124651 | 0.7761248646118251 | 0.7713337934352702 | 0.7799014273424083 | 0.5774860997329101 | 0.5774860997329101 | 0.972605082253155 | 0.972605082253155 | 0.7739859225582887
CUMUL 2018 (octobre 2018- septembre 2018) | 0.8701934855721045 | 0.6211145821246524 | 0.7081852736079371 | 0.7883236027626626 | 0.7754640419260888 | 0.7705328185157186 | 0.7898286588026519 | 0.5866113731458331 | 0.5866113731458331 | 0.9625605445738971 | 0.9625605445738971 | 0.7834044677928268
Rendement moyen des prêts
TRIM 4 2019 (juil -sept. 2019) | 0.09250306259368818 | 0.04254549394858834 | 0.13865615005896373 | 0.1719019022042641 | 0.14734584334124715 | 0.11404562410439446 | 0.12701201874074533 | 0.16601373504681544 | 0.16601373504681544 | 0.11033349608996566 | 0.11033349608996566 | 0.12841535088791944
TRIM 4 2018 (juil -sept. 2018) | 0.10026482723882774 | 0.04701723355980835 | 0.12957206369379268 | 0.15554804449352458 | 0.10920311736778807 | 0.09902828128930397 | 0.11008829977172926 | 0.12071770683231385 | 0.12071770683231385 | 0.10245450592510033 | 0.10245450592510033 | 0.11049054888559194
CUMUL 2019 (octobre 2018- septembre 2019) | 0.08670811586837883 | 0.0443433210471552 | 0.13427588350274616 | 0.1642953644965965 | 0.122047295499413 | 0.10914966133935232 | 0.11623961937146339 | 0.12245710959012242 | 0.12245710959012242 | 0.10111881804711491 | 0.10111881804711491 | 0.11640768542321629
CUMUL 2018 (octobre 2018- septembre 2018) | 0.09653255555046658 | 0.051528077885118886 | 0.12747944891409832 | 0.15362525833686036 | 0.10951382869452511 | 0.0978000610885603 | 0.10859905860382285 | 0.10708452236488684 | 0.10708452236488684 | 0.09442684102508472 | 0.09442684102508472 | 0.10844998153226369
Rendement moyen des prêts productifs
TRIM 4 2019 (juil -sept. 2019) | 0.12278805136230067 | 0.17058820811638975 | 0.14072697569061593 | 0.17312433310830205 | 0.1532698770251001 | 0.11458201320091488 | 0.1360796717195469 | 0.1982610324161049 | 0.1982610324161049 | 0.11033349608996566 | 0.11033349608996566 | 0.1380750640365493
TRIM 4 2018 (juillet - septembre 2018) | 0.10631326327305538 | 0.12477193834893978 | 0.13044589003994622 | 0.15615061704405142 | 0.11204749730423721 | 0.09913324922484495 | 0.11310068982550307 | 0.1384804088529939 | 0.1384804088529939 | 0.10245450592510033 | 0.10245450592510033 | 0.11399090609732383
CUMUL 2019 (octobre 2018- septembre 2019) | 0.10272105950728723 | 0.15485699467589883 | 0.13602181467745952 | 0.1652731115919503 | 0.12377708562221774 | 0.10965032220657434 | 0.12148650220965547 | 0.1454587835706145 | 0.1454587835706145 | 0.10111881804711491 | 0.10111881804711491 | 0.12220968811849597
CUMUL 2018 (octobre 17 - septembre 2018) | 0.10065245187677198 | 0.1501073122869796 | 0.12802659839796074 | 0.15432852191630367 | 0.11127261078272137 | 0.09796264458623037 | 0.11105803885616343 | 0.12498660766845193 | 0.12498660766845193 | 0.09442684102508472 | 0.09442684102508472 | 0.11148885421295597
Rémunération moyenne des dépôts
TRIM 4 2019 (juil -sept. 2019) | 0.014613636273844426 | 0.017890608519726865 | 0.023548610050346138 | 0.024674206119214687 | 0.016430349714417286 | 0.010398655225798957 | 0.014988410505819647 | 0.05325354165490393 | 0.05325354165490393 | 0.0005883831164587601 | 0.0005883831164587601 | 0.015409877794458281
TRIM 4 2018 (juillet - septembre 2018) | 0.009083165167091577 | 0.020672517542159714 | 0.02584640782143727 | 0.018380808064435924 | 0.013136357514699671 | 0.007762948344028721 | 0.011474452439749724 | 0.05230512788598553 | 0.05230512788598553 | 0.0003047355231108692 | 0.0003047355231108692 | 0.011895694873154408
CUMUL 2019 (octobre 2018- septembre 2019) | 0.012096653394315681 | 0.018361007040223812 | 0.02370310842082762 | 0.020726968599444458 | 0.012177762779105613 | 0.009444605335615003 | 0.012615668168602007 | 0.0510484400102438 | 0.0510484400102438 | 0.000495299702696508 | 0.000495299702696508 | 0.013043243209962358
CUMUL 2018 (octobre 17 - septembre 2018) | 0.007959520027080298 | 0.02046125980401867 | 0.02716349695726138 | 0.017076611398330867 | 0.011432343876355026 | 0.008493982118062552 | 0.010982976897461564 | 0.04942189001437359 | 0.04942189001437359 | 0.0006607648352968561 | 0.0006607648352968561 | 0.011406478059241762
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 4 2019 (juil -sept. 2019) | 0.6654913670758014 | 0.8990568060299869 | 0.6150987278894205 | 0.6124649307584453 | 0.6863809888817263 | 0.7032448524580133 | 0.6733248192156012 | 0.43060720133796815 | 0.43060720133796815 | 1.0039156774860858 | 1.0039156774860858 | 0.6717362879530209
TRIM 4 2018 (juil -sept. 2018) | 0.6210227671493906 | 0.781755499661932 | 0.5698611363662537 | 0.6698241755508615 | 0.6560976872941655 | 0.6306575030809883 | 0.6365992554240674 | 0.3862848880145627 | 0.3862848880145627 | 0.7701962964546893 | 0.7701962964546893 | 0.6338097089947548
CUMUL 2019 (octobre 2018- septembre 2019) | 0.5972598218834595 | 0.9062650763599059 | 0.5985569077786781 | 0.5863579816296305 | 0.6857698436593007 | 0.5811749575711319 | 0.6155809847019501 | 0.5916207089570608 | 0.5916207089570608 | 0.730726127728492 | 0.730726127728492 | 0.6172109710663901
CUMUL 2018 (octobre 2018- septembre 2018) | 0.5967340321275334 | 0.8415071941828338 | 0.6063052807866373 | 0.6648575227664645 | 0.6863308948616355 | 0.6652059554244748 | 0.6536469512900794 | 0.5277503330403409 | 0.5277503330403409 | 0.861869453677343 | 0.861869453677343 | 0.6550381318122509
Productivité par employé ('000)
TRIM 4 2019 (juil -sept. 2019) | 6317.4704466235435 | 1577.1901575384618 | 5796.043891246683 | 3877.9693094629156 | 4829.368422545177 | 5756.231666955496 | 5155.036504187972 | 8140.91322308725 | 8140.91322308725 | 11398.17543859649 | 11398.17543859649 | 5238.718660147558
TRIM 4 2018 (juillet - septembre 2018) | 5239.994962216625 | 1425.254668108108 | 6090.695999854809 | 3022.23355704698 | 4025.403093485423 | 4878.7171694388935 | 4358.371007771704 | 5894.43830216216 | 5894.43830216216 | 12068.645161290322 | 12068.645161290322 | 4432.02402615825
CUMUL 2019 (octobre 2018- septembre 2019) | 5332.309882864483 | 1403.7325599610897 | 5952.315043404255 | 3603.8797953964195 | 4207.422749826219 | 6122.430413302108 | 4862.919437798959 | 12772.340337049181 | 5228.944701744967 | 13604.16393442623 | 13604.16393442623 | 4924.278001179502
CUMUL 2018 (octobre 17 - septembre 2018) | 4618.834684965689 | 1219.1182222222224 | 5492.893104321223 | 2915.209173036831 | 3418.4905367064193 | 4266.680721185528 | 3838.94212160416 | 5038.16690244898 | 5038.16690244898 | 11050.507936507936 | 11050.507936507936 | 3905.1831603775977
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé juin 19 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 30 juin 2019 | 0.09040015858287682 | -0.009871238409613188 | 0.10129024903766888 | 0.09017428062446882 | 0.07254664008426427 | 0.08684872683670952 | 0.08388019774555616 | 0.08014345220034184 | 0.08014345220034184 | 0.07304854341757229 | 0.07304854341757229 | 0.08363511632973475
Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032
Dépôts en % de l'actif
Au 30 juin 2019 | 0.7764176502799494 | 0.9127604822455222 | 0.7442051552445597 | 0.8090713127784372 | 0.8280068986880826 | 0.8383515443131573 | 0.8142972436226521 | 0.6215532737722155 | 0.6215532737722155 | 0.7238091398189843 | 0.7238091398189843 | 0.8088400886058457
Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 30 juin 2019 | 0.25262345024376176 | 0.7063589473168886 | 0.009953145758146448 | 0.006384856844350402 | 0.059874046537882294 | 0.0018026165698218906 | 0.07057975592998604 | 0.1866063889654444 | 0.1866063889654444 | 0 | 0 | 0.07467359539361851
Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 30 juin 2019 | 0.1570758653731724 | 0.6377732926295672 | 0.9351394003336949 | 0.7039488445142472 | 0.516235041848072 | 4.78497638224745 | 0.35467724144201107 | 0.17757838990980754 | 0.17757838990980754 | 0 | 0 | 0.33760494479256087
Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 30 juin 2019 | 0.6104504779402228 | -8.25337655367105 | 0.003455499452066808 | 0.008027825129389361 | 0.12981510965861282 | -0.022709672875759188 | 0.1729604294840272 | 1.1234480331325625 | 1.1234480331325625 | 0 | 0 | 0.18986899595935502
Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 3 2019 (avril - juin 2019) | 0.015348468920800612 | -0.0064210399709367155 | 0.01681171770981441 | 0.04079073852592352 | 0.008782433794080328 | 0.024293737400881286 | 0.01853946419440799 | 0.0007133478599065058 | 0.0007133478599065058 | 0.005451740764938398 | 0.005451740764938398 | 0.017965456869334734
TRIM 3 2018 (avril - juin 2018) | 0.019971603030366807 | 0.0007566176469736218 | 0.01796819835920119 | 0.02641478031588258 | 0.009826473825225914 | 0.020606453010272238 | 0.01767112228753543 | 0.015350524753707876 | 0.015350524753707876 | 0.003310622991213474 | 0.003310622991213474 | 0.01730361504733849
CUMUL 2019 (octobre 2018- juin 2019) | 0.021756373570914766 | -0.00047499192057400295 | 0.01884429289512566 | 0.03682096588938024 | 0.009889984596453788 | 0.02559053973463363 | 0.02056643431957052 | 0.007380595919428877 | 0.007380595919428877 | 0.016505629296348776 | 0.016505629296348776 | 0.020209571914552048
CUMUL 2018 (octobre 2017- juin 2018) | 0.021210594474235803 | 0.0009376991834971524 | 0.01885114088833868 | 0.02532502674619232 | 0.009959609471361309 | 0.014430217590493911 | 0.015586001357139367 | 0.01345803226849404 | 0.01345803226849404 | 0.003465238323859195 | 0.003465238323859195 | 0.015263826027178512
ROE (rendement de l'avoir des actionn.)
TRIM 3 2019 (avril - juin 2019) | 0.16674153050067514 | 0.6653225103859363 | 0.16055358059987018 | 0.46231775486665777 | 0.12251833124648655 | 0.2690181917584282 | 0.21731026285649138 | 0.008625381973971434 | 0.008625381973971434 | 0.07286474082505377 | 0.07286474082505377 | 0.21111529187265973
TRIM 3 2018 (avril - juin 2018) | 0.22424518143996625 | -0.05536001327891343 | 0.19969134071630226 | 0.28679226590492546 | 0.12536759769939834 | 0.21187948147058258 | 0.19955402252713444 | 0.17951209025491993 | 0.17951209025491993 | 0.06286520466227001 | 0.06286520466227001 | 0.1973142356047935
CUMUL 2019 (octobre 2018- juin 2019) | 0.23674702333066347 | 0.04353861828103738 | 0.17258568857380904 | 0.40251577596406496 | 0.13062931033185843 | 0.2870865294922082 | 0.23775944980216282 | 0.08544973020432862 | 0.08544973020432862 | 0.25918818717674147 | 0.25918818717674147 | 0.2347142583864681
CUMUL 2018 (octobre 2017- juin 2018) | 0.24305390902060572 | -0.06730298862565424 | 0.210096066240312 | 0.26978570446862143 | 0.12621010832096813 | 0.14970611989343716 | 0.17698144672365881 | 0.1481862180263801 | 0.1481862180263801 | 0.06670378092399946 | 0.06670378092399946 | 0.174815516488242
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 3 2019 (avril - juin 2019) | 0.7991732121660189 | 0.584805888752053 | 0.7566172339256508 | 0.7622795642867084 | 0.7940562586988974 | 0.7410714351991868 | 0.7703746626772013 | 0.4751031758026804 | 0.4751031758026804 | 0.969113049969673 | 0.969113049969673 | 0.7620861396784123
TRIM 3 2018 (avril - juin 2018) | 0.8563745903378831 | 0.624445391561287 | 0.6819899915507416 | 0.7897652132790001 | 0.7845708812578047 | 0.7450966354051376 | 0.77902070005898 | 0.5843383968726626 | 0.6819899915507416 | 0.9768858269681993 | 0.9768858269681993 | 0.7728200799318028
CUMUL 2019 (octobre 2018- juin 2019) | 0.8261194276513231 | 0.6132258583543213 | 0.7558926056705222 | 0.770074539022827 | 0.7930800143257604 | 0.7752387125862695 | 0.7872341884216528 | 0.5293692702711273 | 0.5293692702711273 | 0.9737103323808092 | 0.9737103323808092 | 0.7801581329476102
CUMUL 2018 (octobre 2017- juin 2018) | 0.872531660288801 | 0.6202045046858113 | 0.6988019843901012 | 0.7924720664212084 | 0.7862816448566776 | 0.762501271656648 | 0.7900943076319393 | 0.5817167519612552 | 0.5817167519612552 | 0.9574607423015048 | 0.9574607423015048 | 0.7836176334274839
Rendement moyen des prêts
TRIM 3 2019 (avril - juin 2019) | 0.07691017477253129 | 0.041304134025451966 | 0.13170603987034732 | 0.15920993460155564 | 0.11461819513197079 | 0.10518657891814917 | 0.11061834754578471 | 0.10558516433657272 | 0.10558516433657272 | 0.0928628076980961 | 0.0928628076980961 | 0.11033492416793836
TRIM 3 2018 (avril - juin 2018) | 0.08796325925519778 | 0.050288349754839985 | 0.12876989422804172 | 0.1560773568986086 | 0.11069158446339063 | 0.09466662404360382 | 0.10666917479826897 | 0.11140590213442512 | 0.11140590213442512 | 0.11530597748569416 | 0.11530597748569416 | 0.10690765302913809
CUMUL 2019 (octobre 2018- juin 2019) | 0.0853484657210849 | 0.04370812788679301 | 0.12896612293128354 | 0.16001858950381642 | 0.11054454117033756 | 0.10463137030956214 | 0.11034483265985444 | 0.10464822506164917 | 0.10464822506164917 | 0.08879338887650091 | 0.08879338887650091 | 0.11000348972325841
CUMUL 2018 (octobre 2017- juin 2018) | 0.09521167854299738 | 0.05323729687405595 | 0.13002075054942328 | 0.15479455270232342 | 0.10916354157888335 | 0.09775002951230959 | 0.10849875904502698 | 0.10348073784459517 | 0.10348073784459517 | 0.10590643156349783 | 0.10590643156349783 | 0.10826463340838571
Rendement moyen des prêts productifs
TRIM 3 2019 (avril - juin 2019) | 0.10402806386102939 | 0.0106807128514488 | 0.08203601382799487 | 0.07331648982976008 | 0.05442656130365907 | 0.18337146282425135 | 0.221645301997362 | 0.22497995487457814 | 0.22497995487457814 | 0.0928628076980961 | 0.0928628076980961 | 0.11733920459795437
TRIM 3 2018 (avril - juin 2018) | 0.0948562365169664 | 0.12810551413661142 | 0.1298797687719687 | 0.1569132040264162 | 0.115818132077275 | 0.09477485059264971 | 0.11056676779104732 | 0.12404558681778151 | 0.12404558681778151 | 0.11530597748569416 | 0.11530597748569416 | 0.11112047225230857
CUMUL 2019 (octobre 2018- juin 2019) | 0.10140011175142734 | 0.131723648622754 | 0.12992586443563897 | 0.16084756114982116 | 0.11474221297931624 | 0.1047805753964428 | 0.1158066559910348 | 0.1281767877747874 | 0.1281767877747874 | 0.08879338887650091 | 0.08879338887650091 | 0.1160764296472066
CUMUL 2018 (octobre 2017- juin 2018) | 0.10108650728743034 | 0.15349326715447334 | 0.13098542534710547 | 0.15553892522460588 | 0.11290411999626349 | 0.09792277338004736 | 0.11191330234889789 | 0.11371611368701075 | 0.11371611368701075 | 0.10590643156349783 | 0.10590643156349783 | 0.11195371812948991
Rémunération moyenne des dépôts
TRIM 3 2019 (avril - juin 2019) | 0.011637654995215315 | 0.016840897903231032 | 0.02359804999735241 | 0.018828374511909468 | 0.010552784995542096 | 0.010454693104235028 | 0.012300094928839166 | 0.05652274262898843 | 0.05652274262898843 | 0.0006157785820209862 | 0.0006157785820209862 | 0.012835873234276159
TRIM 3 2018 (avril - juin 2018) | 0.008679154202320308 | 0.021083402512938894 | 0.030359393523785944 | 0.017234383465554434 | 0.011444804894507273 | 0.009588287998114672 | 0.011737686726435222 | 0.051260984220338084 | 0.051260984220338084 | 0.00031583730524609686 | 0.00031583730524609686 | 0.01212311424380626
CUMUL 2019 (octobre 2018- juin 2019) | 0.010942639078804857 | 0.017704604039973693 | 0.0238249179058808 | 0.018735581157075097 | 0.010385794202737776 | 0.009010359890928315 | 0.011554362141635618 | 0.049657653238126404 | 0.049657653238126404 | 0.0004913778714806518 | 0.0004913778714806518 | 0.011994602195689421
CUMUL 2018 (octobre 2017- juin 2018) | 0.007657245434626082 | 0.021259566583912547 | 0.02804129148103918 | 0.017062544354140067 | 0.010926414127454353 | 0.008863325880937073 | 0.010959639871566581 | 0.04880441279920065 | 0.04880441279920065 | 0.0006775356375837385 | 0.0006775356375837385 | 0.011344369271907897
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 3 2019 (avril - juin 2019) | 0.6658837600377637 | 1.0569942952206883 | 0.6044430267801003 | 0.5509433360530044 | 0.7015536173695637 | 0.5915624209061623 | 0.6306628695199205 | 0.6673889116391749 | 0.6673889116391749 | 0.8819499744767738 | 0.8819499744767738 | 0.6352370900164351
TRIM 3 2018 (avril - juin 2018) | 0.5949540636992332 | 0.8676880987703675 | 0.6364043190223859 | 0.6526853776534232 | 0.6883995529339914 | 0.6400029930950256 | 0.6474775339572678 | 0.5568523437428733 | 0.5568523437428733 | 0.901332000557906 | 0.901332000557906 | 0.6503871316437595
CUMUL 2019 (octobre 2018- juin 2019) | 0.568833012038608 | 0.9091266291295053 | 0.5921573346474669 | 0.5767502503530184 | 0.6855326441384807 | 0.5441055727487988 | 0.5947780380281374 | 0.6942282068335683 | 0.6942282068335683 | 0.6642434412597575 | 0.6642434412597575 | 0.59748286580008
CUMUL 2018 (octobre 2017- juin 2018) | 0.5872430412302388 | 0.8659166088584042 | 0.621339477977577 | 0.663035757805607 | 0.698888592072047 | 0.6790651334829751 | 0.6604610096451807 | 0.5867969014608542 | 0.5867969014608542 | 0.8955527009455568 | 0.8955527009455568 | 0.6635175030710514
Productivité par employé ('000)
TRIM 3 2019 (avril - juin 2019) | 4551.981502890174 | 1221.212696 | 5562.041203531034 | 3965.965744400527 | 4468.834262028105 | 6707.122555603006 | 5002.854266765848 | 4174.578436756757 | 4174.578436756757 | 13747.368421052632 | 13747.368421052632 | 5042.330423047017
TRIM 3 2018 (avril - juin 2018) | 4444.345986309894 | 1124.526729660377 | 5464.165781930502 | 3048.078706957133 | 3389.5012457457046 | 4331.499855502465 | 3834.778974623932 | 4966.438146938777 | 4966.438146938777 | 11283.409836065573 | 11283.409836065573 | 3899.6535963712377
CUMUL 2019 (octobre 2018- juin 2019) | 4999.534365536361 | 1339.7764340856031 | 5775.192280286298 | 3548.821705426357 | 4023.9284966105934 | 6288.722680402458 | 4774.291285804356 | 10574.749844444445 | 4287.060747747748 | 14831.77777777778 | 14831.77777777778 | 4829.859061362402
CUMUL 2018 (octobre 2017- juin 2018) | 4389.786848072562 | 1132.3539661152884 | 5234.9799731788935 | 2963.2671976828387 | 3194.9089097950437 | 4016.872807778624 | 3654.1570383435774 | 4739.377029297053 | 4739.377029297053 | 11128.262295081966 | 11128.262295081966 | 3718.7709763311054
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé mars 19 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 31 mars 2019 | 0.09379461679007793 | -0.009403183345437252 | 0.10830887649435762 | 0.08614669631655061 | 0.0707927947524805 | 0.09395853342800062 | 0.08681994548406823 | 0.08543823196384444 | 0.08543823196384444 | 0.07668760094252544 | 0.07668760094252544 | 0.08663614671345723
Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032
Dépôts en % de l'actif
Au 31 mars 2019 | 0.7826412066670317 | 0.9075948526935624 | 0.7185365179437421 | 0.8137493834586422 | 0.8045431991107617 | 0.8490726281984488 | 0.811362117422313 | 0.5958115538256509 | 0.5958115538256509 | 0.7475733834046316 | 0.7475733834046316 | 0.8059067629264359
Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 mars 2019 | 0.0821122953639602 | 0.6927974243788257 | 0.007933027024409041 | 0.004130496807432598 | 0.055682150146817815 | 0.0016847718712124967 | 0.03992621777571069 | 0.13607250261440382 | 0.13607250261440382 | 0 | 0 | 0.04356492745206306
Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 mars 2019 | 0.4381632294144356 | 0.6757052813221697 | 1.0039119647752235 | 1.0661093337692362 | 0.4846509786957585 | 4.642832698438702 | 0.5836187164307299 | 0.20358583749420026 | 0.20358583749420026 | 0 | 0 | 0.5365699757778454
Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 mars 2019 | 0.11949373807284139 | -8.19282912207774 | -0.00014773778587604864 | -0.0012085368550379038 | 0.13258893921159043 | -0.018347753479630774 | 0.059563110092661756 | 0.7587947516266242 | 0.7587947516266242 | 0 | 0 | 0.07308476400376915
Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 2 2019 (janvier-mars 2019) | 0.02268186722825861 | -0.0007165057403698273 | 0.020353999467605036 | 0.04026412525316922 | 0.009588939942352933 | 0.023389713002209225 | 0.020251810664455337 | 0.01244715147614746 | 0.01244715147614746 | 0.016944913006644226 | 0.016944913006644226 | 0.02003021729944826
TRIM 2 2018 (janvier-mars 2018) | 0.02007645081647743 | -0.0011794553068383748 | 0.022590323441013745 | 0.024468590036969835 | 0.018276421406504772 | 0.010436727742895405 | 0.013810201788669926 | 0.009790490776753523 | 0.009790490776753523 | 0.008500074201058532 | 0.008500074201058532 | 0.013606135646086738
CUMUL 2019 (octobre 2018- mars 2019) | 0.025325366104606718 | 0.0028725536272824507 | 0.019604791364183943 | 0.03451236302714261 | 0.010313125142571856 | 0.02631730677899574 | 0.02157239921283147 | 0.011080685958427964 | 0.011080685958427964 | 0.022767405556161305 | 0.022767405556161305 | 0.02136684055363022
CUMUL 2018 (octobre 2017- mars 2018) | 0.021330540133946082 | 0.0010196169190796506 | 0.019773057842229713 | 0.024610902850211287 | 0.010172577927970865 | 0.010796872270308734 | 0.014259815004426898 | 0.01266958797684134 | 0.01266958797684134 | 0.00390710710391009 | 0.00390710710391009 | 0.01401208806481492
ROE (rendement de l'avoir des actionn.)
TRIM 2 2019 (janvier-mars 2019) | 0.24308228074071578 | 0.07663312624301806 | 0.18401497573904185 | 0.46150256114690935 | 0.12987602941060108 | 0.251103090571519 | 0.23143999613788266 | 0.13454945739224075 | 0.13454945739224075 | 0.25370448348949526 | 0.25370448348949526 | 0.22958426993536216
TRIM 2 2018 (janvier-mars 2018) | 0.22889931739638508 | 0.08851415850047194 | 0.2832269766935527 | 0.2640517819121411 | 0.06607872944263284 | 0.09686721689742252 | 0.14897134747067103 | 0.10676892397818859 | 0.10676892397818859 | 0.14483293939420452 | 0.14483293939420452 | 0.14797878560312577
CUMUL 2019 (octobre 2018- mars 2019) | 0.27020038958153814 | -0.2677168440484297 | 0.17308863179837541 | 0.3862715753321618 | 0.13783092084902657 | 0.28306903452558985 | 0.24476006828732735 | 0.12408711777187649 | 0.12408711777187649 | 0.3494795417596319 | 0.3494795417596319 | 0.2434611690008509
CUMUL 2018 (octobre 2017- mars 2018) | 0.2497367120694095 | -0.07328727601686073 | 0.249455971169385 | 0.26805751582795573 | 0.12823694478121722 | 0.10113891843541085 | 0.15631454424891678 | 0.14114277786124715 | 0.14114277786124715 | 0.06278625978204946 | 0.06278625978204946 | 0.15466018466627968
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 2 2019 (janvier-mars 2019) | 0.8423629104488134 | 0.618182892741759 | 0.75813368793518 | 0.7706964050485733 | 0.783713647752467 | 0.7773973836780025 | 0.79025492854515 | 0.6008746961431273 | 0.6008746961431273 | 0.9741421733100702 | 0.9741421733100702 | 0.7847672365138632
TRIM 2 2018 (janvier-mars 2018) | 0.8750668907059378 | 0.598030810289222 | 0.707852641892984 | 0.7907228541423226 | 0.792223239695161 | 0.7749310104647635 | 0.796072938242601 | 0.552721212780686 | 0.707852641892984 | 0.9132678541701349 | 0.9132678541701349 | 0.7884463460591302
CUMUL 2019 (octobre 2018- mars 2019) | 0.8389116474585055 | 0.6263199473027965 | 0.7554784552531377 | 0.7742483401917842 | 0.7925301601901361 | 0.7938990169479706 | 0.7962299805104872 | 0.5584176849021352 | 0.5584176849021352 | 0.975897196883947 | 0.975897196883947 | 0.7897957942006811
CUMUL 2018 (octobre 2017- mars 2018) | 0.8811026928933959 | 0.6180583607781363 | 0.707880429903593 | 0.7939115924917471 | 0.7872084314563847 | 0.7716124560920499 | 0.7959878245534213 | 0.5802636318132743 | 0.5802636318132743 | 0.9497112129057956 | 0.9497112129057956 | 0.7893616475196739
Rendement moyen des prêts
TRIM 2 2019 (janvier-mars 2019) | 0.09431399997605562 | 0.040084249391138374 | 0.12706644950070067 | 0.15639523492477364 | 0.10227730200528151 | 0.10351228546965903 | 0.10867103731232967 | 0.113467457669822 | 0.113467457669822 | 0.10784674721345557 | 0.10784674721345557 | 0.10885839589444286
TRIM 2 2018 (janvier-mars 2018) | 0.09045494502795803 | 0.04576778267002639 | 0.12853084932988626 | 0.15061961815411276 | 0.1068145437211407 | 0.09719882073336154 | 0.10618420774106428 | 0.09618720087407989 | 0.09618720087407989 | 0.10863690749901836 | 0.10863690749901836 | 0.10575912873556188
CUMUL 2019 (octobre 2018- mars 2019) | 0.09372509414291669 | 0.045565518764527586 | 0.1292097473675441 | 0.16266708927451967 | 0.1066307682083664 | 0.10655912998502658 | 0.11157019064057752 | 0.10472585694693781 | 0.10472585694693781 | 0.10348283567046077 | 0.10348283567046077 | 0.11125607874688788
CUMUL 2018 (octobre 2017- mars 2018) | 0.09451984754038159 | 0.0545370388540022 | 0.1292530604499425 | 0.15387923328071884 | 0.10804656863881701 | 0.09732548139653623 | 0.10759650624531564 | 0.09852638876460632 | 0.09852638876460632 | 0.11138645329494624 | 0.11138645329494624 | 0.10721477879270713
Rendement moyen des prêts productifs
TRIM 2 2019 (janvier-mars 2019) | 0.10263897162361611 | 0.12410572452539662 | 0.12783048532478195 | 0.15709533019324295 | 0.10611945517601125 | 0.10367055789323434 | 0.11243490232756488 | 0.12773525471302927 | 0.12773525471302927 | 0.10784674721345557 | 0.10784674721345557 | 0.11297564272028743
TRIM 2 2018 (janvier-mars 2018) | 0.0961094673684445 | 0.10333415776673893 | 0.12944524619035852 | 0.15172114567600176 | 0.11097728017383436 | 0.09732464986648694 | 0.1095252069466819 | 0.10821966907657928 | 0.10821966907657928 | 0.10863690749901836 | 0.10863690749901836 | 0.1094686816557519
CUMUL 2019 (octobre 2018- mars 2019) | 0.09997186543923463 | 0.1341754964290585 | 0.13000811613628088 | 0.1633065481107861 | 0.11039273485546712 | 0.1067026138590161 | 0.11502496992531225 | 0.12426626091368263 | 0.12426626091368263 | 0.10348283567046077 | 0.10348283567046077 | 0.11529268223578006
CUMUL 2018 (octobre 2017- mars 2018) | 0.10028340429002348 | 0.1519226499793232 | 0.130045556452174 | 0.15483229978101448 | 0.11206191538618475 | 0.09749640319193643 | 0.11105310829356668 | 0.11155648061833252 | 0.11155648061833252 | 0.11138645329494624 | 0.11138645329494624 | 0.1110754153539554
Rémunération moyenne des dépôts
TRIM 2 2019 (janvier-mars 2019) | 0.01014578183773737 | 0.01749431707018162 | 0.02332546952140637 | 0.01848949016666928 | 0.010265996118795466 | 0.008807214855897897 | 0.01121702953359048 | 0.04798125578668689 | 0.04798125578668689 | 0.0004731960628122746 | 0.0004731960628122746 | 0.01160651995870145
TRIM 2 2018 (janvier-mars 2018) | 0.007306282961500864 | 0.020704457662782613 | 0.027726653883559712 | 0.01704192882893471 | 0.011050628472546908 | 0.00816015901919845 | 0.0105735337481242 | 0.04925635455773916 | 0.04925635455773916 | 0.0014801939274227322 | 0.0014801939274227322 | 0.011006770485380221
CUMUL 2019 (octobre 2018- mars 2019) | 0.010580342412497046 | 0.01880670281483534 | 0.02390202117357829 | 0.018614189548796307 | 0.010309459699045759 | 0.008199836143487245 | 0.011139429718524652 | 0.04819692575014714 | 0.04819692575014714 | 0.0004622285630863248 | 0.0004622285630863248 | 0.011548725564044425
CUMUL 2018 (octobre 2017- mars 2018) | 0.006899023428809755 | 0.021223038024859284 | 0.027014288994901815 | 0.016755876306672846 | 0.011035303710933518 | 0.00824541319777753 | 0.010454705502021603 | 0.04777254502201378 | 0.04777254502201378 | 0.0009656284089790057 | 0.0009656284089790057 | 0.010869521830061032
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 2 2019 (janvier-mars 2019) | 0.5288404310286845 | 0.9177519704426 | 0.5726556606719388 | 0.5598822525693687 | 0.6934390281143995 | 0.5522059832837881 | 0.58799581294385 | 0.6289001147735945 | 0.6289001147735945 | 0.5875081738983694 | 0.5875081738983694 | 0.5886580318991319
TRIM 2 2018 (janvier-mars 2018) | 0.5840935037297303 | 0.9078571020935413 | 0.5820786132305901 | 0.6706026298142346 | 0.7175642589532797 | 0.7190575240258421 | 0.6735802847951629 | 0.6651191416172803 | 0.6651191416172803 | 0.7464640857308361 | 0.7464640857308361 | 0.6748110418861202
CUMUL 2019 (octobre 2018- mars 2019) | 0.5267770752768209 | 0.8435034638243205 | 0.5853369607420804 | 0.5916030680303377 | 0.6764132400017467 | 0.5182762567582282 | 0.5756355653308904 | 0.7071265437984247 | 0.7071265437984247 | 0.5737959408733273 | 0.5737959408733273 | 0.5774643143764936
CUMUL 2018 (octobre 2017- mars 2018) | 0.5833517513717434 | 0.8650449331697323 | 0.6133013367354044 | 0.6686903292440235 | 0.7046303561265072 | 0.7011281081979528 | 0.6674959729785215 | 0.6028715587903788 | 0.6028715587903788 | 0.8926021967327902 | 0.8926021967327902 | 0.6706227204971584
Productivité par employé ('000)
TRIM 2 2019 (janvier-mars 2019) | 5271.74 | 1372.33 | 5473.47 | 3780.81 | 3903.73 | 6080.17 | 4754.41 | 5079.67 | 5079.67 | 12641.87 | 12641.87 | 4809.07
TRIM 2 2018 (janvier-mars 2018) | 4477.47 | 1063.58 | 5896.29 | 2928.92 | 3099.35 | 3865.37 | 3620.21 | 4367.93 | 4367.93 | 10692.13 | 10692.13 | 3677.83
CUMUL 2019 (octobre 2018- mars 2019) | 5215.36 | 1391.93 | 5774.08 | 3445.45 | 3825.82 | 6106.05 | 4686.2 | 4343.3 | 4343.3 | 15460 | 15460 | 4749.83
CUMUL 2018 (octobre 2017- mars 2018) | 4362.76 | 1134.12 | 5412.98 | 2893.37 | 3086.42 | 3840.25 | 3560.35 | 4657.53 | 4657.53 | 10872.45 | 10872.45 | 3624.86
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé déc. 18 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 31 décembre 2018 | 0.09281375145934542 | -0.009296039089162924 | 0.11322574370854148 | 0.08840375173342076 | 0.07709821911893772 | 0.09230122865322289 | 0.08822413101810919 | 0.099790418147069 | 0.099790418147069 | 0.05878127632431514 | 0.05878127632431514 | 0.08788482028094147
Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032
Dépôts en % de l'actif
Au 31 décembre 2018 | 0.7814655803975284 | 0.9038404442881228 | 0.7194887883012883 | 0.8090557423012713 | 0.8083621494722226 | 0.8577423897607274 | 0.815420673029486 | 0.5954570050520034 | 0.5954570050520034 | 0.783929239672412 | 0.783929239672412 | 0.8101395046845172
Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 décembre 2018 | 0.08006517465175418 | 0.6613982938221991 | 0.0038796978148041023 | 0.004775222331496316 | 0.01569543465539145 | 0.001372230883780026 | 0.02689803695164946 | 0.0870793407188987 | 0.0870793407188987 | 0 | 0 | 0.029185323917257172
Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 décembre 2018 | 0.4056036510539327 | 0.7072635588511462 | 1.6347844686883928 | 0.8974683044354043 | 1.6784645111437315 | 5.064618297330565 | 0.816206706365704 | 0.3042875721066296 | 0.3042875721066296 | 0 | 0 | 0.7551138076035544
Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 décembre 2018 | 0.12225458665216385 | -7.273032414622171 | -0.011884878881267616 | 0.002275792571500958 | -0.04612022880070303 | -0.018142831216758047 | 0.018019170958319775 | 0.3701971566637249 | 0.3701971566637249 | 0 | 0 | 0.026245184195151827
Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 1 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.029050635152999014 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012
TRIM 1 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.002755653717549522 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | -0.001180585605183277 | 0.014547998132675433
CUMUL 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.02905063515299901 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012
CUMUL 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.010939616205915983 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | -0.001180585605183277 | 0.014547998132675433
ROE (rendement de l'avoir des actionn.)
TRIM 1 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.17241572095352012 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.2565086662341222 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25514146834497975
TRIM 1 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | -0.02036672284606169 | 0.1586855933606742
CUMUL 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.17241572095352012 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.2565086662341222 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25514146834497975
CUMUL 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | -0.02036672284606169 | 0.1586855933606742
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 1 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005
TRIM 1 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.7079099822758125 | 0.9831563669696738 | 0.9831563669696738 | 0.7903002468161384
CUMUL 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005
CUMUL 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.6064065534310368 | 0.9831563669696738 | 0.9831563669696738 | 0.7903002468161384
Rendement moyen des prêts
TRIM 1 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976
TRIM 1 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0.13140886407741284 | 0.10935602434152218
CUMUL 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976
CUMUL 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0.13140886407741284 | 0.10935602434152218
Rendement moyen des prêts productifs
TRIM 1 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615
TRIM 1 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0.13140886407741284 | 0.11256990051000276
CUMUL 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615
CUMUL 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0.13140886407741284 | 0.11256990051000276
Rémunération moyenne des dépôts
TRIM 1 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281
TRIM 1 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0.00031232020895001006 | 0.010895441584678759
CUMUL 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281
CUMUL 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0.00031232020895001006 | 0.010895441584678759
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 1 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.589656606003306 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5620930070798825 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5652058440950704
TRIM 1 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 1.0339719118831647 | 0.6663294373712607
CUMUL 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.589656606003306 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5620930070798825 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5652058440950704
CUMUL 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 1.0339719118831647 | 0.6663294373712607
Productivité par employé ('000)
TRIM 1 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712
TRIM 1 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 11052.774193548386 | 3604.249963357969
CUMUL 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712
CUMUL 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 11052.774193548386 | 3604.249963357969
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé sept. 18 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846273 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0 | 0.05500245014563468 | 0.0890363407629032
Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288
Dépôts en % de l'actif
Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913702 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0 | 0.7938428627581877 | 0.8129976415592453
Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0 | 0.025469754697323044
Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0 | 0.8786573826806808
Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0 | 0.01102966857089383
Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 4 2018 (juil. - sept. 2018) | 0.01941172005451372 | 0.002167658135441865 | 0.018813338948155907 | 0.024682736080239763 | 0.015586185610724354 | 0.0252147991466564 | 0.0206309277400867 | 0.03688294632223593 | 0.03688294632223593 | 0.008337919554860776 | 0 | 0.008337919554860776 | 0.020726571730055023
TRIM 4 2017 (juil. - sept. 2017) | 0.01806694083661455 | -0.006179669411945845 | 0.010536519132377332 | 0.021466369639495383 | 0.01144427683959751 | 0.005862221150217952 | 0.011008020654770067 | 0.02447647759800863 | 0.02447647759800863 | 0.008626577889473437 | 0 | 0.008626577889473437 | 0.011275612317557242
CUMUL 2018 (octobre 2017- sept. 2018) | 0.020720351733213273 | 0.0012168757659851144 | 0.018998121490414625 | 0.02473652191211013 | 0.011383686790908908 | 0.017060211186497757 | 0.01682140966064208 | 0.019216713801520603 | 0.019216713801520603 | 0.005161310613850931 | 0 | 0.005161310613850931 | 0.016639662285024552
CUMUL 2017 (octobre 2016- sept. 2017) | 0.018062145278275488 | 0.003775823116284691 | 0.014517451786845848 | 0.02293952804710684 | 0.010432367816115416 | 0.09857517999857628 | 0.04596590064012797 | 0.01715282860907039 | 0.01715282860907039 | 0.0036624516274374767 | -0.015231010521271264 | -0.0030311767722261077 | 0.04357447304307952
ROE (rendement de l'avoir des actionn.)
TRIM 4 2018 (juil. - sept. 2018) | 0.2103474914748223 | -0.16754896363016406 | 0.17201526451688273 | 0.2637857262424176 | 0.19792982362464462 | 0.282737645325594 | 0.23555877284796625 | 0.40974677322387293 | 0.40974677322387293 | 0.16989537050308157 | 0 | 0.16989537050308157 | 0.23879627936783382
TRIM 4 2017 (juil. - sept. 2017) | 0.21969608916766412 | 0.4782584103008216 | 0.13177518787491974 | 0.2383568649403244 | 0.1435944111837033 | 0.04820239628593562 | 0.11378187303414009 | 0.26457898747538944 | 0.26457898747538944 | 0.13755868666581791 | 0 | 0.13755868666581791 | 0.11750846719255952
CUMUL 2018 (octobre 2017- sept. 2018) | 0.2334540945330806 | -0.09231568540463884 | 0.18780239558858375 | 0.26492047330513085 | 0.14290278896485956 | 0.1722516699332088 | 0.18649933384166667 | 0.2040257977670168 | 0.2040257977670168 | 0.08867020109884818 | 0 | 0.08867020109884818 | 0.18563221079206246
CUMUL 2017 (octobre 2016- sept. 2017) | 0.2293992337967404 | -0.44256091228108707 | 0.18287346439484464 | 0.25057155038378437 | 0.13475256856226234 | 0.8572216246631783 | 0.5015119822617307 | 0.20302229476133865 | 0.20302229476133865 | 0.05823246127814656 | -0.2675370834337949 | -0.04987047253955227 | 0.48177828328957045
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 4 2018 (juil. - sept. 2018) | 0.8641093937317053 | 0.6237761660204519 | 0.7333309927531915 | 0.7770362087782747 | 0.7458303788990746 | 0.7939169958127515 | 0.7890998227318937 | 0.5992556105741755 | 0.5992556105741755 | 0.9792784804218976 | 0 | 0.9792784804218976 | 0.7828202806399954
TRIM 4 2017 (juil. - sept. 2017) | 0.8836790531385764 | 0.6232858903876597 | 0.7066634276429399 | 0.7885573510105512 | 0.753588310842891 | 0.7204250792926348 | 0.7719959577089655 | 0.658807001323884 | 0.7066634276429399 | 0.9826560951437067 | 0 | 0.9826560951437067 | 0.7689457133974044
CUMUL 2018 (octobre 2017- sept. 2018) | 0.8701934855721045 | 0.6211145821246524 | 0.7081852736079371 | 0.7883236027626626 | 0.7754640419260888 | 0.7705328185157186 | 0.7898286588026519 | 0.5866113731458331 | 0.5866113731458331 | 0.9625605445738971 | 0 | 0.9625605445738971 | 0.7834044677928268
CUMUL 2017 (octobre 2016- sept. 2017) | 0.8878419265598951 | 0.6597828653859523 | 0.6925680448020417 | 0.7804078268741383 | 0.740530066579505 | 0.6431104592380702 | 0.744606319795091 | 0.5660093949999826 | 0.5660093949999826 | 0.8706639647156992 | 0.8934731761341566 | 0.8826602912410345 | 0.7389883217995049
Rendement moyen des prêts
TRIM 4 2018 (juil. - sept. 2018) | 0.10026482723882774 | 0.04701723355980835 | 0.12957206369379268 | 0.15554804449352458 | 0.10920311736778807 | 0.09902828128930397 | 0.11008829977172926 | 0.12071770683231385 | 0.12071770683231385 | 0.10245450592510033 | 0 | 0.10245450592510033 | 0.11049054888559194
TRIM 4 2017 (juil. - sept. 2017) | 0.09532285355980015 | 0.06174015254190699 | 0.1409556868428752 | 0.15786751847391886 | 0.10951337945839311 | 0.1030326206544619 | 0.11102885666753949 | 0.10720920693329444 | 0.10720920693329444 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11090968231107265
CUMUL 2018 (octobre 2017- sept. 2018) | 0.09653255555046658 | 0.051528077885118886 | 0.12747944891409832 | 0.15362525833686036 | 0.10951382869452511 | 0.0978000610885603 | 0.10859905860382285 | 0.10708452236488684 | 0.10708452236488684 | 0.09442684102508472 | 0 | 0.09442684102508472 | 0.10844998153226369
CUMUL 2017 (octobre 2016- sept. 2017) | 0.09628678060173099 | 0.06757785348553112 | 0.13905662432967486 | 0.15571465197765572 | 0.10758340494706214 | 0.1055141735780157 | 0.11166707276238544 | 0.1034675283966458 | 0.1034675283966458 | 0.1268383000573444 | 0.11070244254142723 | 0.11698119811689486 | 0.11137586177051408
Rendement moyen des prêts productifs
TRIM 4 2018 (juil. - sept. 2018) | 0.10631326327305538 | 0.12477193834893978 | 0.13044589003994622 | 0.15615061704405142 | 0.11204749730423721 | 0.09913324922484495 | 0.11310068982550307 | 0.1384804088529939 | 0.1384804088529939 | 0.10245450592510033 | 0 | 0.10245450592510033 | 0.11399090609732383
TRIM 4 2017 (juil. - sept. 2017) | 0.10101694059132878 | 0.1604758079177712 | 0.13558788219041407 | 0.15918672929155678 | 0.11280184149191161 | 0.10333797866218081 | 0.11448062311155488 | 0.12044331550484426 | 0.12044331550484426 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11477904010882127
CUMUL 2018 (octobre 2017- sept. 2018) | 0.10065245187677198 | 0.1501073122869796 | 0.12802659839796074 | 0.15432852191630367 | 0.11127261078272137 | 0.09796264458623037 | 0.11105803885616343 | 0.12498660766845193 | 0.12498660766845193 | 0.09442684102508472 | 0 | 0.09442684102508472 | 0.11148885421295598
CUMUL 2017 (octobre 2016- sept. 2017) | 0.10058319498716185 | 0.13958293070161917 | 0.13983640067396239 | 0.15706652775037006 | 0.11066429918007976 | 0.10599139947090741 | 0.11482741873780761 | 0.11554669873143061 | 0.11554669873143061 | 0.1268383000573444 | 0.11887129488538832 | 0.1221072463423939 | 0.11500363470366654
Rémunération moyenne des dépôts
TRIM 4 2018 (juil. - sept. 2018) | 0.009083165167091577 | 0.020672517542159714 | 0.02584640782143727 | 0.018380808064435924 | 0.013136357514699671 | 0.007762948344028721 | 0.011474452439749724 | 0.05230512788598553 | 0.05230512788598553 | 0.0003047355231108692 | 0 | 0.0003047355231108692 | 0.011895694873154408
TRIM 4 2017 (juil. - sept. 2017) | 0.006556603508245211 | 0.021034957865600716 | 0.027089579263570942 | 0.016522314775565494 | 0.012303241692383074 | 0.010012165498604392 | 0.011377017993347527 | 0.04110516801866475 | 0.04110516801866475 | 0.0003309603672005274 | 0 | 0.0003309603672005274 | 0.01166481375987048
CUMUL 2018 (octobre 2017- sept. 2018) | 0.007959520027080298 | 0.02046125980401867 | 0.02716349695726138 | 0.017076611398330867 | 0.011432343876355026 | 0.008493982118062552 | 0.010982976897461564 | 0.04942189001437359 | 0.04942189001437359 | 0.0006607648352968561 | 0 | 0.0006607648352968561 | 0.011406478059241762
CUMUL 2017 (octobre 2016- sept. 2017) | 0.005968558426564447 | 0.021445903724183868 | 0.028904986775642676 | 0.017747084188045926 | 0.012890351651343439 | 0.013927407641885938 | 0.013003566191134703 | 0.04712371256933539 | 0.04712371256933539 | 0.0029072514642664166 | 0.004369087376323879 | 0.003460012685687764 | 0.013421205154526005
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 4 2018 (juil. - sept. 2018) | 0.6210227671493906 | 0.781755499661932 | 0.5698611363662537 | 0.6698241755508615 | 0.6560976872941655 | 0.6306575030809883 | 0.6365992554240674 | 0.3862848880145627 | 0.3862848880145627 | 0.7701962964546893 | 0 | 0.7701962964546893 | 0.6338097089947548
TRIM 4 2017 (juil. - sept. 2017) | 0.5511684817439795 | 0.9429868355503696 | 0.7714587182189172 | 0.7166367714933392 | 0.7056398846170377 | 1.1174225227867027 | 0.769929160165666 | 0.42515271412878947 | 0.42515271412878947 | 0.7899096220758475 | 0 | 0.7899096220758475 | 0.7604889427295601
CUMUL 2018 (octobre 2017- sept. 2018) | 0.5967340321275334 | 0.8415071941828338 | 0.6063052807866371 | 0.6648575227664645 | 0.6863308948616355 | 0.6652059554244748 | 0.6536469512900794 | 0.5277503330403409 | 0.5277503330403409 | 0.861869453677343 | 0 | 0.861869453677343 | 0.6550381318122509
CUMUL 2017 (octobre 2016- sept. 2017) | 0.6065613951815964 | 0.7914730470838941 | 0.7252914112208851 | 0.6862085842736059 | 0.7110305086638463 | 0.25759194644786443 | 0.4401886549833023 | 0.47447374387287766 | 0.47447374387287766 | 0.8872626843376006 | 1.175512732350301 | 1.0020549634789297 | 0.45197932490196135
Productivité par employé ('000)
TRIM 4 2018 (juil. - sept. 2018) | 5239.994962216625 | 1425.254668108108 | 6090.695999854809 | 3022.23355704698 | 4025.403093485423 | 4878.7171694388935 | 4358.371007771704 | 5894.43830216216 | 5894.43830216216 | 12068.645161290322 | 0 | 12068.645161290322 | 4432.02402615825
TRIM 4 2017 (juil. - sept. 2017) | 4140.606208155813 | 1240.9479495970695 | 4953.7344383775535 | 2784.179640718563 | 3232.208005582419 | 2510.699205770286 | 3163.5759622780806 | 6049.499110684933 | 6049.499110684933 | 11424.25 | 0 | 11424.25 | 3264.567555568354
CUMUL 2018 (octobre 2017- sept. 2018) | 6158.446246620919 | 1219.1182222222224 | 5492.893104321223 | 2915.209173036831 | 3418.4905367064193 | 4266.680721185528 | 3838.94212160416 | 5038.16690244898 | 5038.16690244898 | 11050.507936507936 | 0 | 11050.507936507936 | 3905.1831603775977
CUMUL 2017 (octobre 2016- sept. 2017) | 4022.6345991917897 | 1186.4737313375795 | 4640.315959149691 | 2744.01866251944 | 2975.7234170833362 | 10344.60020767949 | 5208.647266558115 | 5370.043140563378 | 5370.043140563378 | 8466.323529411764 | 4186.791208791209 | 6017.03144654088 | 5224.883469251728
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclé.juin. 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
[bilsysbanjuin 24]
SYSTÈME DANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
DILAN PAR DANQUE (DEVISES ET GOURDES)
AU 30 Juin 2024
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 7184403 | 293511.48355 | 1569740.1780917689 | 1653545 | 3704687.2760499995 | 9848423.244244963 | 24254310.181936733 | 56823.30765 | 56823.30765 | 64 | 64 | 24311197.489586733
Avoirs à la BRH | 37077188 | 1926247.8209000002 | 18424976.993011795 | 20514976 | 67098493.484790005 | 98146693.7800571 | 243188576.0787589 | 1858366.9194 | 1858366.9194 | 3817969 | 3817969 | 248864911.9981589
Avoirs à l'étranger | 1202554 | 0 | 1500657.7952908918 | 8504419 | 6068872.34658 | 15527589.067298641 | 32804092.20916953 | 0 | 0 | 882159 | 882159 | 33686251.20916953
Avoirs dans les banques locales | 0 | 0 | 378745.073335932 | 38085 | 6935.81 | 3602.088539999619 | 427367.9718759316 | 157068.34734 | 157068.34734 | 0 | 0 | 584436.3192159316
Autres liquidités | 351609 | 15784.95594 | 176696.679265102 | 290890 | 295480.58024000004 | 912466.010485559 | 2042927.2259306612 | 54090.61383 | 54090.61383 | 0 | 0 | 2097017.8397606611
45815754 | 2235544.26039 | 22050816.718995485 | 31001915 | 77174469.49766 | 124438774.19062626 | 302717273.66767174 | 2126349.1882200004 | 2126349.1882200004 | 4700192 | 4700192 | 309543814.85589176
Bons B.R.H. | 6700000 | 0 | 0 | 250000 | 1500000 | 0 | 8450000 | 0 | 0 | 0 | 0 | 8450000
Bons du Trésor / M.E.F. | 24920000 | 1297000 | 0 | 0 | 0 | 8574000 | 34791000 | 0 | 0 | 0 | 0 | 34791000
Autres Placements | 17524098 | 200000 | 6750753.497445987 | 5077671 | 46461533.98171 | 54807949.648829296 | 130822006.12798528 | 2492748.72301 | 2492748.72301 | 0 | 0 | 133314754.85099529
Portefeuille net | 18217233 | 192507.96731647965 | 12198959.349928532 | 11677967 | 30046085.12185 | 41135607.29257 | 113468359.73166502 | 4868924.653973157 | 4868924.653973157 | 55444 | 55444 | 118392728.38563818
Immobilisations | 2906754.9984100005 | 352062.49887 | 5118424.27638 | 1804519 | 6293931.225229999 | 4490566.882924 | 20966258.881814 | 607293.65526 | 607293.65526 | 244945 | 244945 | 21818497.537074
Autres actifs | 3743709 | 1239990.26575 | 1389635.211190221 | 2149582 | 4810109.121359999 | 4171735.55806096 | 17504761.15636118 | 1645178.91596 | 1645178.91596 | 9937 | 9937 | 19159877.07232118
119827548.99841 | 5517104.99232648 | 47508589.05394023 | 51961654 | 166286128.94781002 | 237618633.5730105 | 628719659.5654973 | 11740495.136423156 | 11740495.136423156 | 5010518 | 5010518 | 645470672.7019204
PASSIF
Dépôts
À vue | 42348715 | 1940341.89397 | 16079386.06524377 | 18868791 | 66102082.670453876 | 93814826.10980971 | 239154142.73947734 | 3784809.2552931295 | 3784809.2552931295 | 3788310 | 3788310 | 246727261.99477047
Épargne | 37943452 | 572676.03551648 | 8644759.402000144 | 11093799 | 47660238.28809094 | 73622276.78181238 | 179537201.50741994 | 1215221.878234582 | 1215221.878234582 | 9 | 9 | 180752432.38565454
À terme | 12203988 | 2135251.14809 | 12635073.502071083 | 10321660 | 25506773.324618593 | 33967810.42017023 | 96770556.39494991 | 2911290.235294644 | 2911290.235294644 | 4429 | 4429 | 99686275.63024455
92496155 | 4648269.07757648 | 37359218.96931499 | 40284250 | 139269094.28316343 | 201404913.3117923 | 515461900.6418472 | 7911321.368822355 | 7911321.368822355 | 3792748 | 3792748 | 527165970.0106695
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 | 5255025 | 319525.33015 | 4073972.821945915 | 3373377 | 10105485.929599999 | 9527223.017890375 | 32654609.09958629 | 362343.00231999997 | 362343.00231999997 | 489737 | 489737 | 33506689.10190629
5255025 | 319525.33015 | 4673972.821945915 | 4023377 | 10105485.929599999 | 9527223.017890375 | 33904609.09958629 | 362343.00231999997 | 362343.00231999997 | 489737 | 489737 | 34756689.101906285
Obligations à terme
Banques locales | 2079133 | 0 | 0 | 384753 | 2227631.87286 | 1925257.28123 | 6616775.154089999 | 1544996.27437 | 1544996.27437 | 0 | 0 | 8161771.428459999
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 6446368 | 1052265.15025 | 737877.5982503323 | 164232 | 247822.29107999988 | 3580103.7098587845 | 12228668.749439117 | 384971.35994999995 | 384971.35994999995 | 109720 | 109720 | 12723360.109389117
8525501 | 1052265.15025 | 737877.5982503323 | 548985 | 2475454.16394 | 5505360.991088784 | 18845443.903529115 | 1929967.63432 | 1929967.63432 | 109720 | 109720 | 20885131.537849117
Autres passifs | 901211 | 30128.74108 | 1488693.4213815224 | 1903740 | 3051609.45 | 2135812.6106098588 | 9511195.223071381 | 466629.0480399999 | 466629.0480399999 | 0 | 0 | 9977824.271111382
107177892 | 6050188.29905648 | 44259762.81089276 | 46760352 | 154901643.82670343 | 218573309.93138131 | 577723148.868034 | 10670261.053502355 | 10670261.053502355 | 4392205 | 4392205 | 592785614.9215363
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12542800 | 21460955.76157 | 300000 | 300000 | 133333 | 133333 | 21894288.76157
Réserves | 2967392 | 58117.833620000005 | 930894.147 | 658661 | 3314796.1687700003 | 2111176.1258199997 | 10041037.27521 | 364431.13370999997 | 364431.13370999997 | 74036 | 74036 | 10479504.408920001
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 | 6682265 | -810003.17292 | 391222.0564463091 | 2516257 | 5069688.918169998 | 4391347.513909999 | 18240777.315606307 | 405802.94921000017 | 405802.94921000017 | 410944 | 410944 | 19057524.264816307
12649657 | -533083.3067300001 | 3248826.244056309 | 5201302 | 11384485.086939998 | 19045323.63973 | 50996510.66399631 | 1070234.0829200002 | 1070234.0829200002 | 618313 | 618313 | 52685057.74691631
119827549 | 5517104.992326479 | 47508589.05494907 | 51961654 | 166286128.91364342 | 237618633.57111132 | 628719659.5320303 | 11740495.136422355 | 11740495.136422355 | 5010518 | 5010518 | 645470672.6684525
Hors-bilan
Effets à l'encaissement | 1643294 | 0 | 0 | 0 | 2541.7783314380004 | 4400.94244 | 1650236.720771438 | 0 | 0 | 0 | 0 | 1650236.720771438
Crédit documentaire | 0 | 0 | 0 | 0 | 1754326.1467018242 | 1949955.85134 | 3704281.9980418244 | 0 | 0 | 0 | 0 | 3704281.9980418244
Autres | 3795045 | 300183.596265637 | 4709216.476470712 | 137243 | 9120532.772008345 | 2834062.4722199994 | 20896283.316964693 | 433920.49467 | 433920.49467 | 0 | 0 | 21330203.811634693
Portefeuille brut | 22103390 | 1329384.7868364798 | 12508778.85665793 | 12072901 | 33053676.25624 | 42325548.86485 | 123393679.7645844 | 5154628.884363157 | 5154628.884363157 | 55444 | 55444 | 128603752.64894757
Provisions pour créances Fouteuses | 3886157 | 1136876.8195200001 | 309819.5067293988 | 394934 | 3007591.1343900003 | 1189941.57228 | 9925320.0329194 | 285704.23039 | 285704.23039 | 0 | 0 | 10211024.263309399
Portefeuille de crédit improFuctif | 8928305 | 1226524.539336342 | 200139.465452502 | 328665 | 3891029 | 360585.56028 | 14935248.565068845 | 524272.169288105 | 524272.169288105 | 0 | 0 | 15459520.73435695
Dépôts US convertis | 40053849 | 2658571.04131648 | 27470369.856735 | 30672737 | 99153642.5966134 | 153268691.7934423 | 353277861.28810716 | 6188555.987422355 | 6188555.987422355 | 2995710 | 2995710 | 362462127.2755295
Immobilisation /A | 0.22978923447568583 | -0.6604267933835625 | 0.5528516377477838 | 0.3469360171741614 | 0.5528516377477838 | 0.2357831753279495 | 0.4111312442522904 | 0.567440025459734 | 0.567440025459734 | 0.3961504933585417 | 0.3961504933585417 | 0.4141306562077566
Liquidité en % de l'actif | 0.646226636923263 | 0.6402894752416846 | 0.47312707316887803 | 0.601441882508205 | 0.47312707316887803 | 0.5597741733909806 | 0.550258399596985 | 0.18111239462323148 | 0.18111239462323148 | 0.9380650862844919 | 0.9380650862844919 | 0.546554366876415
Liquidité en % des dépôts | 0.83717808594314 | 0.7599698299375995 | 0.5649097518915304 | 0.7757849531764895 | 0.5649097518915304 | 0.6604246738743207 | 0.6711616770063675 | 0.2687729506981865 | 0.2687729506981865 | 1.239257656981165 | 1.239257656981165 | 0.6692101442905194
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 124438774.19062626 | BNC | 6700000 | UNIBK | 41135607.29257 | UNIBK | 19045323.63973
SOGEBK | 77174469.49766 | SOGEBK | 1500000 | SOGEBK | 30046085.12185 | BNC | 12649657
BNC | 45815754 | CAPITALBK | 250000 | BNC | 18217233 | SOGEBK | 11384485.086939998
CAPITALBK | 31001915 | UNIBK | 0 | BUH | 12198959.349928532 | CAPITALBK | 5201302
BUH | 22050816.718995485 | BPH | 0 | CAPITALBK | 11677967 | BUH | 3248826.244056309
CBNA | 4700192 | BUH | 0 | SOGEBL | 4868924.653973157 | SOGEBL | 1070234.0829200002
BPH | 2235544.26039 | CBNA | 0 | BPH | 192507.96731647965 | CBNA | 618313
SOGEBL | 2126349.1882200004 | SOGEBL | 0 | CBNA | 55444 | BPH | -533083.3067300001
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanjuin 24$]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES CONVERTIES)
AU 30 Juin 2024
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 4301860 | 16884.88227 | 153013.85006176896 | 349837 | 716464.3232199999 | 1017398.783594965 | 6555458.839146733 | 10538.95508 | 10538.95508 | 64 | 64 | 6566061.794226733
Avoirs à la BRH | 15910655 | 951810.28407 | 13857011.519441795 | 14366230 | 46425853.767730005 | 75224633.1958771 | 166736193.7671189 | 1313527.70458 | 1313527.70458 | 2500245 | 2500245 | 170549966.4716989
Avoirs à l'étranger | 1202554 | 0 | 1500657.7952908918 | 8504419 | 6068872.34658 | 15527589.067298641 | 32804092.20916953 | 0 | 0 | 882159 | 882159 | 33686251.20916953
Avoirs dans les banques locales | 0 | 0 | 291510.801245932 | 802 | 0 | -2.5173904286930337e-09 | 292312.8012459295 | 106693.95263 | 106693.95263 | 0 | 0 | 399006.7538759295
Autres liquidités | 86398 | 831.97054 | 115135.865535102 | 171832 | 267095.59163000004 | 456514.887885559 | 1097808.315590661 | 44412.58453 | 44412.58453 | 0 | 0 | 1142220.9001206611
21501467 | 969527.13688 | 15917329.831575489 | 23393120 | 53478286.02916 | 92226135.93465626 | 207485865.93227175 | 1475173.19682 | 1475173.19682 | 3382468 | 3382468 | 212343507.1290918
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 | 16837387 | 0 | 5658958.113685813 | 2933228 | 34434608.113350004 | 41718725.9346793 | 101582907.16171512 | 1583331.4479399999 | 1583331.4479399999 | 0 | 0 | 103166238.60965513
Portefeuille net | 5272032 | 642765.0069664799 | 8022011.426905779 | 6766029 | 17911720.991359998 | 27526574.44939 | 66141132.87462226 | 2636357.9093431565 | 2636357.9093431565 | 0 | 0 | 68777490.78396542
Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres actifs | 542149 | 1195950.22898 | 161161.06745195796 | 348610 | 911352.55702 | 795126.7534109601 | 3954349.606862918 | 1172365.67612 | 1172365.67612 | 392 | 392 | 5127107.2829829175
44153035 | 2808242.37282648 | 29759460.43961904 | 33440987 | 106735967.69088998 | 162266563.07213652 | 379164255.57547206 | 6867228.2302231565 | 6867228.2302231565 | 3382860 | 3382860 | 389414343.8056953
PASSIF
Dépôts
À vue | 17033628 | 992990.80181 | 11426120.091923771 | 14700341 | 45116667.78713388 | 73038519.93575971 | 162308267.61662734 | 3214015.9552731295 | 3214015.9552731295 | 2995705 | 2995705 | 168517988.57190046
Épargne | 16346376 | 251698.12325648003 | 5639921.586620144 | 7867247 | 33039134.93446094 | 51828860.921992384 | 114973238.56632996 | 920169.5053945819 | 920169.5053945819 | 5 | 5 | 115893413.07172453
À terme | 6673845 | 1413882.11625 | 10404328.178191083 | 8105149 | 20997839.87501859 | 28401310.935690235 | 75996355.10514991 | 2054370.5267546438 | 2054370.5267546438 | 0 | 0 | 78050725.63190456
40053849 | 2658571.04131648 | 27470369.856735 | 30672737 | 99153642.5966134 | 153268691.7934423 | 353277861.2881072 | 6188555.987422355 | 6188555.987422355 | 2995710 | 2995710 | 362462127.27552956
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 | 1378809 | 35266.6161 | 1525419.750017109 | 1505238 | 5307767.52063 | 4427730.598140375 | 14180231.484887484 | 211526.00254000002 | 211526.00254000002 | 341328 | 341328 | 14733085.487427484
1378809 | 35266.6161 | 1525419.750017109 | 1505238 | 5307767.52063 | 4427730.598140375 | 14180231.484887484 | 211526.00254000002 | 211526.00254000002 | 341328 | 341328 | 14733085.487427484
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 | 2707351 | 13826.29461 | 656894.5939691281 | 0 | 597692.3757799999 | 2494733.097588784 | 6470497.361947913 | 316935.12 | 316935.12 | 44924 | 44924 | 6832356.481947913
2707351 | 13826.29461 | 656894.5939691281 | 0 | 597692.3757799999 | 2494733.097588784 | 6470497.361947913 | 316935.12 | 316935.12 | 44924 | 44924 | 6832356.481947913
Autres passifs | 0 | 8556.19311 | 81258.16643667816 | 1287034 | 1638453.40091 | 1944721.4009798588 | 4960023.161436537 | 147145.43327 | 147145.43327 | 0 | 0 | 5107168.594706537
44140009 | 2716220.14513648 | 29733942.367157917 | 33465009 | 106697555.89393342 | 162135876.89015132 | 378888613.29637915 | 6864162.543232355 | 6864162.543232355 | 3381962 | 3381962 | 389134737.8396115
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
44140009 | 2716220.14513648 | 29733942.367157917 | 33465009 | 106697555.89393342 | 162135876.89015132 | 378888613.29637915 | 6864162.543232355 | 6864162.543232355 | 3381962 | 3381962 | 389134737.8396115
Actif devises en % actif total | 0.36847148563963256 | 0.5090065127874767 | 0.6264016892993978 | 0.6435704875753185 | 0.6418813665714099 | 0.6828865254890822 | 0.6030736430884143 | 0.584918110388598 | 0.584918110388598 | 0.6751517507770654 | 0.6751517507770654 | 0.6033029233932795
Dépôts devises en % dépôts totaux | 0.4330325838949738 | 0.5719486107509527 | 0.7353036443105997 | 0.7614076717327491 | 0.7119572587656322 | 0.7609977794144925 | 0.685361732551348 | 0.7822405005326635 | 0.7822405005326635 | 0.7898521072320123 | 0.7898521072320123 | 0.6875673846477487
[bilsysbanjuin 24 gdes ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES)
AU 30 Juin 2024
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 2882543 | 276626.60128 | 1416726.32803 | 1303708 | 2988222.95283 | 8831024.460649999 | 17698851.34279 | 46284.35257 | 46284.35257 | 0 | 0 | 17745135.69536
Avoirs à la BRH | 21166533 | 974437.53683 | 4567965.473569999 | 6148746 | 20672639.71706 | 22922060.58418 | 76452382.31164 | 544839.2148200001 | 544839.2148200001 | 1317724 | 1317724 | 78314945.52645999
Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Avoirs dans les banques locales | 0 | 0 | 87234.27209 | 37283 | 6935.81 | 3602.0885400021366 | 135055.17063000216 | 50374.39471 | 50374.39471 | 0 | 0 | 185429.56534000215
Autres liquidités | 265211 | 14952.9854 | 61560.813729999994 | 119058 | 28384.98861 | 455951.1226 | 945118.91034 | 9678.0293 | 9678.0293 | 0 | 0 | 954796.93964
24314287 | 1266017.1235099998 | 6133486.88742 | 7608795 | 23696183.4685 | 32212638.255970005 | 95231407.7354 | 651175.9914000002 | 651175.9914000002 | 1317724 | 1317724 | 97200307.7268
Bons B.R.H. | 6700000 | 0 | 0 | 0 | 1500000 | 0 | 8200000 | 0 | 0 | 0 | 0 | 8200000
Bons du Trésor / M.E.F. | 24920000 | 1297000 | 0 | 0 | 0 | 8574000 | 34791000 | 0 | 0 | 0 | 0 | 34791000
Autres Placements | 686711 | 200000 | 1091795.3837601738 | 2394443 | 12026925.86836 | 13089223.714149997 | 29489098.96627017 | 909417.27507 | 909417.27507 | 0 | 0 | 30398516.24134017
Portefeuille net | 12945201 | -450257.03965000017 | 4176947.923022752 | 4911938 | 12134364.13049 | 13609032.84318 | 47327226.85704275 | 2232566.74463 | 2232566.74463 | 55444 | 55444 | 49615237.60167275
Immobilisations | 2906754.9984100005 | 352062.49887 | 5118424.27638 | 1804519 | 6293931.225229999 | 4490566.882924 | 20966258.881814 | 607293.65526 | 607293.65526 | 244945 | 244945 | 21818497.537074
Autres actifs | 3201560 | 44040.03677 | 1228474.1437382628 | 1800972 | 3898756.56434 | 3376608.80465 | 13550411.549498262 | 472813.23984 | 472813.23984 | 9545 | 9545 | 14032769.789338263
75674513.99841 | 2708862.6195 | 17749128.614321187 | 18520667 | 59550161.25692 | 75352070.500874 | 249555403.99002522 | 4873266.9062 | 4873266.9062 | 1627658 | 1627658 | 256056328.89622515
PASSIF
Dépôts
À vue | 25315087 | 947351.09216 | 4653265.973319999 | 4168450 | 20985414.883319996 | 20776306.17405 | 76845875.12285 | 570793.3000200001 | 570793.3000200001 | 792605 | 792605 | 78209273.42287
Épargne | 21597076 | 320977.91226 | 3004837.8153799996 | 3226552 | 14621103.353629997 | 21793415.85982 | 64563962.941089995 | 295052.37284 | 295052.37284 | 4 | 4 | 64859019.31393
À terme | 5530143 | 721369.03184 | 2230745.32388 | 2216511 | 4508933.449600004 | 5566499.484479999 | 20774201.289800003 | 856919.70854 | 856919.70854 | 4429 | 4429 | 21635549.998340003
52442306 | 1989698.03626 | 9888849.112579998 | 9611513 | 40115451.68655 | 48136221.51835 | 162184039.35373998 | 1722765.3814 | 1722765.3814 | 797038 | 797038 | 164703842.73514
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 | 3876216 | 284258.71404999995 | 2548543.824385212 | 1868139 | 4797718.408969999 | 5099492.41975 | 18474368.367155213 | 150816.99978 | 150816.99978 | 148409 | 148409 | 18773594.366935212
3876216 | 284258.71404999995 | 3148543.824385212 | 2518139 | 4797718.408969999 | 5099492.41975 | 19724368.367155213 | 150816.99978 | 150816.99978 | 148409 | 148409 | 20023594.366935212
Obligations à terme
Banques locales | 2079133 | 0 | 0 | 384753 | 2227631.87286 | 1925257.28123 | 6616775.154089999 | 1544996.27437 | 1544996.27437 | 0 | 0 | 8161771.428459999
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 3739017 | 1038438.85564 | 80992.25182479805 | 164232 | -349870.0846999999 | 1085370.6122700002 | 5758180.635034799 | 68036.23995000008 | 68036.23995000008 | 64796 | 64796 | 5891012.874984799
5818150 | 1038438.85564 | 80992.25182479805 | 548985 | 1877761.78816 | 3010627.8935000002 | 12374955.789124798 | 1613032.51432 | 1613032.51432 | 64796 | 64796 | 14052784.303444799
Autres passifs | 901211 | 21572.54797 | 1407435.2549448444 | 616706 | 1413156.05 | 191091.20963 | 4551172.062544845 | 319483.6147699999 | 319483.6147699999 | 0 | 0 | 4870655.677314845
63037883 | 3333968.15392 | 14525820.44373485 | 13295343 | 48204087.93368 | 56437433.04122999 | 198834535.57256484 | 3806098.51027 | 3806098.51027 | 1010243 | 1010243 | 203650877.08283487
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12542800 | 21460955.76157 | 300000 | 300000 | 133333 | 133333 | 21894288.76157
Réserves | 2967392 | 58117.833620000005 | 930894.147 | 658661 | 3314796.1687700003 | 2111176.1258199997 | 10041037.27521 | 364431.13370999997 | 364431.13370999997 | 74036 | 74036 | 10479504.408920001
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 | 6682265 | -810003.17292 | 391222.0564463091 | 2516257 | 5069688.918169998 | 4391347.513909999 | 18240777.315606307 | 405802.94921000017 | 405802.94921000017 | 410944 | 410944 | 19057524.264816307
12649657 | -533083.3067300001 | 3248826.244056309 | 5201302 | 11384485.086939998 | 19045323.63973 | 50996510.66399631 | 1070234.0829200002 | 1070234.0829200002 | 618313 | 618313 | 52685057.74691631
75687540 | 2800884.84719 | 17774646.68779116 | 18496645 | 59588573.020619996 | 75482756.68096 | 249831046.23656115 | 4876332.59319 | 4876332.59319 | 1628556 | 1628556 | 256335934.8297512
[bilsysbanmars 24]
SYSTÈME DANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
DILAN PAR DANQUE (DEVISES ET GOURDES)
AU 31 Mars 2024
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
DisponiDilités
Encaisse | 7957593 | 373482.74172 | 3822928.190317222 | 1595105 | 3921057.7451 | 8188177.193226431 | 25858343.870363653 | 83405.28868 | 83405.28868 | 156 | 156 | 25941905.15904365
Avoirs à la BRH | 38174922 | 1666539.03043 | 15288887.737465197 | 20310677 | 65504320.860700004 | 98974508.39246641 | 239919855.0210616 | 1656091.26939 | 1656091.26939 | 5702385 | 5702385 | 247278331.2904516
Avoirs à l'étranger | 1230841 | 0 | 1703814.918867222 | 8761145 | 6703485.00466 | 15637883.42844242 | 34037169.351969644 | 0 | 0 | 1645900 | 1645900 | 35683069.351969644
Avoirs dans les banques locales | 0 | 0 | 379707.76388320804 | 21676 | 6935.81 | 8328.851219987775 | 416648.4251031958 | 154985.32291 | 154985.32291 | 0 | 0 | 571633.7480131958
Autres liquidités | 1211582 | 30289.41098 | -8401.33885682 | 185460 | 444849.76989 | 681043.990241736 | 2544823.832254916 | 16139.25839 | 16139.25839 | 0 | 0 | 2560963.090644916
48574938 | 2070311.18313 | 21186937.27167603 | 30874063 | 76580649.19035 | 123489941.85559697 | 302776840.500753 | 1910621.13937 | 1910621.13937 | 7348441 | 7348441 | 312035902.640123
Bons B.R.H. | 2500000 | 0 | 0 | 0 | 1000000 | 0 | 3500000 | 0 | 0 | 0 | 0 | 3500000
Bons du Trésor / M.E.F. | 27616000 | 1506000 | 0 | 0 | 0 | 9500000 | 38622000 | 0 | 0 | 0 | 0 | 38622000
Autres Placements | 17493940 | 200000 | 6489723.189347542 | 5223359 | 43610312.668519996 | 52529314.804766916 | 125546649.66263446 | 2605772.4606799996 | 2605772.4606799996 | 0 | 0 | 128152422.12331446
Portefeuille net | 18427273 | 211944.52998592006 | 12770145.135648241 | 12056420 | 32023284.95524999 | 43258286.58501 | 118747354.20589414 | 4845913.562587064 | 4845913.562587064 | 96667 | 96667 | 123689934.76848121
Immobilisations | 2944113.9984100005 | 293810.97251 | 5113420.4998200005 | 1768305 | 6285951.41518 | 4212758.16117 | 20618360.04709 | 573733.75819 | 573733.75819 | 247544 | 247544 | 21439637.80528
Autres actifs | 3126938 | 1251748.1178300001 | 1386657.34249502 | 2517727 | 6069646.569989999 | 4496525.308343862 | 18849242.33865888 | 1547275.2899399998 | 1547275.2899399998 | 19926 | 19926 | 20416443.62859888
120683202.99841 | 5533814.80345592 | 46946883.43898683 | 52439874 | 165569844.79929 | 237486826.71488774 | 628660446.7550305 | 11483316.210767062 | 11483316.210767062 | 7712578 | 7712578 | 647856340.9657975
PASSIF
Dépôts
À vue | 42724924 | 2066421.68281 | 16678217.150545437 | 17936246 | 64926377.113939054 | 93117686.83818284 | 237449872.78547734 | 3751281.2047557924 | 3751281.2047557924 | 5434464 | 5434464 | 246635617.99023312
Épargne | 38003748 | 547059.41604592 | 8513589.373800823 | 10997711 | 46744783.00050031 | 73182629.55352375 | 177989520.3438708 | 1183620.8238331962 | 1183620.8238331962 | 550360 | 550360 | 179723501.167704
À terme | 12170893 | 2137937.64876 | 12421073.172987249 | 10342037 | 25265502.318135273 | 31404161.32141953 | 93741604.46130204 | 2909198.6260470822 | 2909198.6260470822 | 4429 | 4429 | 96655232.08734912
92899565 | 4751418.74761592 | 37612879.697333515 | 39275994 | 136936662.43257463 | 197704477.71312612 | 509180997.5906502 | 7844100.654636071 | 7844100.654636071 | 5989253 | 5989253 | 523014351.2452862
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 | 5807835 | 315431.54280999996 | 3302190.9023893895 | 4374564 | 11506279.237039998 | 11165578.651448475 | 36471879.333687864 | 260482.522 | 260482.522 | 1035206 | 1035206 | 37767567.855687864
5807835 | 315431.54280999996 | 3902190.9023893895 | 5024564 | 11506279.237039998 | 11165578.651448475 | 37721879.333687864 | 260482.522 | 260482.522 | 1035206 | 1035206 | 39017567.855687864
Obligations à terme
Banques locales | 2120042 | 0 | 0 | 401521 | 2310521.53108 | 1991124.1850700001 | 6823208.716150001 | 1573215.7254 | 1573215.7254 | 0 | 0 | 8396424.441550002
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 6548515 | 1041811.15006 | 720959.2977962106 | 107329 | 129367.24203000031 | 3177660.8863272634 | 11725642.576213473 | 379078.96638999996 | 379078.96638999996 | 95409 | 95409 | 12200130.542603474
8668557 | 1041811.15006 | 720959.2977962106 | 508850 | 2439888.7731100004 | 5168785.071397264 | 18548851.292363472 | 1952294.69179 | 1952294.69179 | 95409 | 95409 | 20596554.984153476
Autres passifs | 1018040 | 22542.17899 | 1493260.9137584155 | 2214588 | 3227179.2067 | 2150562.3401561454 | 10126172.639604561 | 375015.96351000003 | 375015.96351000003 | 0 | 0 | 10501188.60311456
108393997 | 6131203.61947592 | 43729290.81127753 | 47023996 | 154110009.6494246 | 216189403.77612802 | 575577900.8563061 | 10431893.83193607 | 10431893.83193607 | 7119868 | 7119868 | 593129662.6882422
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12554050 | 21472205.76157 | 300000 | 300000 | 133333 | 133333 | 21905538.76157
Réserves | 2967392 | 58117.833620000005 | 930894.147 | 658661 | 3314796.1687700003 | 2134765.9075999996 | 10064627.056990001 | 364431.13370999997 | 364431.13370999997 | 74036 | 74036 | 10503094.190700002
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 | 6321814 | -874308.68221 | 359988.4400992861 | 2730833 | 5145038.983740001 | 6608607.03613 | 20291972.777759288 | 386991.2451400001 | 386991.2451400001 | 385341 | 385341 | 21064305.02289929
12289206 | -597388.81602 | 3217592.627709286 | 5415878 | 11459835.152510002 | 21297422.94373 | 53082545.90792929 | 1051422.37885 | 1051422.37885 | 592710 | 592710 | 54726678.286779284
120683203 | 5533814.80345592 | 46946883.438986816 | 52439874 | 165569844.8019346 | 237486826.71985802 | 628660446.7642355 | 11483316.21078607 | 11483316.21078607 | 7712578 | 7712578 | 647856340.9750215
Hors-bilan
Effets à l'encaissement | 1648818 | 0 | 0 | 0 | 2527.089787068 | 4437.123051488001 | 1655782.2128385562 | 0 | 0 | 0 | 0 | 1655782.2128385562
Crédit documentaire | 0 | 0 | 0 | 0 | 1955266.6083380743 | 1953166.7060467103 | 3908433.3143847845 | 0 | 0 | 0 | 0 | 3908433.3143847845
Autres | 4163328 | 270524.934829798 | 4398849.748801652 | 203608 | 11002858.759187132 | 2931164.164310076 | 22970333.607128657 | 358232.595649582 | 358232.595649582 | 0 | 0 | 23328566.20277824
Portefeuille brut | 22434449 | 1369409.4204659201 | 13123124.937287312 | 12485770 | 34941744.90297999 | 44335893.46919 | 128690391.72992322 | 5111149.474447064 | 5111149.474447064 | 96667 | 96667 | 133898208.20437029
Provisions pour créances douteuses | 4007176 | 1157464.89048 | 352979.8016390706 | 429350 | 2918459.94773 | 1077606.88418 | 9943037.52402907 | 265235.91186 | 265235.91186 | 0 | 0 | 10208273.43588907
Portefeuille de crédit improductif | 9321878 | 1260534.6040674841 | 376684.673870774 | 418507 | 4708850 | 494322.30694000004 | 16580776.584878258 | 576297.82970937 | 576297.82970937 | 0 | 0 | 17157074.414587628
Dépôts US convertis | 40497015 | 2730721.34443592 | 27376706.70584351 | 29955056 | 96650610.65687463 | 150865423.39940614 | 348075533.10656023 | 5825060.626406071 | 5825060.626406071 | 4387642 | 4387642 | 358288235.7329663
Immobilisation /A | 0.23956909815084884 | -0.4918253650402512 | 1.5892069293620987 | 0.3265038466523803 | 0.5485202301364006 | 0.19780600555759933 | 0.3884207076814321 | 0.5456739077757932 | 0.5456739077757932 | 0.4176477535388301 | 0.4176477535388301 | 0.3917584343952285
Liquidité en % de l'actif | 0.6520454880621352 | 0.6462650649054174 | 0.4512959267937567 | 0.588751662523064 | 0.4685675056614094 | 0.5599887105117481 | 0.5486250046126242 | 0.16638235021156614 | 0.16638235021156614 | 0.9527866039085764 | 0.9527866039085764 | 0.5466611658259901
Liquidité en % des dépôts | 0.8470538909412547 | 0.7526828034099196 | 0.5632894221916763 | 0.7860797361360224 | 0.5665440343892523 | 0.6726703582736681 | 0.677359999946483 | 0.24357427619707714 | 0.24357427619707714 | 1.2269378167861669 | 1.2269378167861669 | 0.6771475807439709
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 123489941.85559697 | CAPITALBK | 0 | UNIBK | 43258286.58501 | UNIBK | 21297422.94373
SOGEBK | 76580649.19035 | BNC | 2500000 | SOGEBK | 32023284.95524999 | SOGEBK | 11459835.152510002
BNC | 48574938 | SOGEBK | 1000000 | BNC | 18427273 | BNC | 12289206
CAPITALBK | 30874063 | UNIBK | 0 | BUH | 12770145.135648241 | CAPITALBK | 5415878
BUH | 21186937.27167603 | BPH | 0 | CAPITALBK | 12056420 | BUH | 3217592.627709286
CBNA | 7348441 | BUH | 0 | SOGEBL | 4845913.562587064 | SOGEBL | 1051422.37885
SOGEBL | 1910621.13937 | CBNA | 0 | BPH | 211944.52998592006 | CBNA | 592710
BPH | 2070311.18313 | SOGEBL | 0 | CBNA | 96667 | BPH | -597388.81602
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[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 | 2662967.3 | 26427760.9 | 29877739 | 92907172.2 | 144017022.4 | 336525612.79999995 | 6099317.1 | 6099317.1 | 3247051 | 3247051 | 345871980.9
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 | BNC | 0 | SOGEBK | 31430373.118939996 | SOGEBK | 11633257.52684
BNC | 47887452 | SOGEBK | 750000 | BNC | 19026181 | BNC | 11898591
CAPITALBK | 0 | 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
[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 | 8502496.141628861 | 10655270 | 46096970.985103056 | 74653581.77466455 | 177554872.53069645 | 1233477.541539746 | 1233477.541539746 | 608714 | 608714 | 179397064.0722362
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 | 38028696.4219254 | 38194690 | 139060465.8677532 | 193362648.0297467 | 505747370.8585953 | 8431399.10121467 | 8431399.10121467 | 4330332 | 4330332 | 518509101.95981
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 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 6513249 | 910672.71407 | 680626.682075758 | 277921 | 821637.0907899998 | 5253648.940368953 | 14457755.427304711 | 382463.73716999986 | 382463.73716999986 | 114103 | 114103 | 14954322.16447471
8864418 | 910672.71407 | 680626.682075758 | 712979 | 3317890.05838 | 8627206.755238954 | 23113793.20976471 | 2012175.1302699998 | 2012175.1302699998 | 114103 | 114103 | 25240071.340034712
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 | 42852734.09611163 | 43777437 | 155613713.5814532 | 212978022.53047314 | 568054221.2461079 | 11237233.10624467 | 11237233.10624467 | 5298929 | 5298929 | 584590383.3523526
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 | 45488261.272771634 | 48941900 | 166710262.3444732 | 232383407.54039314 | 617433191.179878 | 12304824.35886467 | 12304824.35886467 | 5857139 | 5857139 | 635595154.5387428
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 DANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
DILAN PAR DANQUE (DEVISES ET GOURDES)
AU 31 mars 2023
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
DisponiDilités
Encaisse | 6372274 | 457821.99488 | 2159265.741576658 | 1901673 | 3830987.2159700003 | 8770075.629005153 | 23492097.581431814 | 25655.77406 | 25655.77406 | 5111 | 5111 | 23522864.355491813
Avoirs à la BRH | 42352927 | 1444943.3738000002 | 19730758.38500018 | 20679795 | 70162332.9826 | 109008483.50779834 | 263379240.24919853 | 2206313.13033 | 2206313.13033 | 4177430 | 4177430 | 269762983.3795285
Avoirs à l'étranger | 4833128 | 0 | 1589579.374266476 | 6132849 | 10508426.80599 | 17737365.599133708 | 40801348.779390186 | 0 | 0 | 1387701 | 1387701 | 42189049.779390186
Avoirs dans les banques locales | 0 | 0 | 345837.47821064596 | 70114 | 32839.61 | 3.967245368767181e-09 | 448791.0882106499 | 204159.92827 | 204159.92827 | 120 | 120 | 653071.0164806499
Autres liquidités | 388309 | 9785.234789999999 | 6379.38293482 | 281914 | 202089.82566000003 | 1111552.019074164 | 2000029.4624589842 | 20680.721980000002 | 20680.721980000002 | 33942 | 33942 | 2054652.1844389841 | 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 | 3386945.4 | 32531242.3 | 31424276 | 108500889 | 166922463.9 | 393377527.6 | 7630986.8 | 7630986.8 | 3321405 | 3321405 | 404329919.40000004
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 | 2744936.8 | 26495196.6 | 27141824 | 88538517.4 | 139122011.7 | 327384608.5 | 6356459.9 | 6356459.9 | 2787396 | 278739 | 336528464.4
Immobilisation /A | 0.30187946219618306 | -0.7021471932498335 | 0.339218706696423 | 0.2948716113963242 | 0.42115970569716854 | 0.20178453441056687 | 0.3007974447837051 | 0.581594982905156 | 0.581594982905156 | 0.5621365446164034 | 0.5621365446164034 | 0.3094477231722443
Liquidité en % de l'actif | 0.6355939994061607 | 0.7047884587070056 | 0.46371743003951604 | 0.5270749356992396 | 0.48578992570332774 | 0.5493767378882906 | 0.5432300559589256 | 0.20055438533934097 | 0.20055438533934097 | 0.9311205955531597 | 0.9311205955531597 | 0.5402261347329117
Liquidité en % des dépôts | 0.8300844972005088 | 0.8496660165585902 | 0.5574154229022752 | 0.6515979474267378 | 0.5896182085330635 | 0.6420182123264034 | 0.6597929930376981 | 0.29374556729157203 | 0.29374556729157203 | 1.2878318883887314 | 1.2878318883887314 | 0.6590554321238766
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 113952377.35382092 | BNC | 800000 | UNIBK | 52219581.492960006 | UNIBK | 16466371.96907
SOGEBK | 70006676.30512 | SOGEBK | 0 | SOGEBK | 39968237.37019 | BNC | 9842604
BNC | 49845849 | CAPITALBK | 0 | BNC | 22033575 | SOGEBK | 9676881.012829997
CAPITALBK | 24127533 | UNIBK | 0 | BUH | 15318865.81299061 | CAPITALBK | 4681685
BUH | 21058161.910701115 | BPH | 0 | CAPITALBK | 14510277 | BUH | 3402337.9337179996
CBNA | 5264716 | BUH | 0 | SOGEBL | 5056875.055269999 | SOGEBL | 952134.0609299999
SOGEBL | 2356373.6724 | CBNA | 0 | BPH | 310180.8351391199 | CBNA | 471172
BPH | 2270514.55927 | SOGEBL | 0 | CBNA | 96667 | BPH | -350989.49713
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanjuin22]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 juin 2022
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 5641672 | 356624.46559 | 1033836.0637963901 | 1873920 | 4222818.58743 | 6624988.45565023 | 19753859.57246662 | 71514.96538000001 | 71514.96538000001 | 35147 | 35147 | 19860521.53784662
Avoirs à la BRH | 35466900 | 1452335.5067 | 17514949.43646825 | 18212776 | 58492253.10661 | 82834751.44644782 | 213973965.49622607 | 1802985.5336499999 | 1802985.5336499999 | 4843627 | 4843627 | 220620578.02987608
Avoirs à l'étranger | 4119494 | 0 | 1250718.214445145 | 3983769 | 6331113.919128071 | 20963637.859084383 | 36648732.9926576 | 0 | 0 | 738369 | 738369 | 37387101.9926576
Avoirs dans les banques locales | 0 | 0 | 349448.71380222 | 22982 | 3686.435 | -2.886717426008545e-09 | 376117.1488022171 | 355106.83515000006 | 355106.83515000006 | 0 | 0 | 731223.9839522172
Autres liquidités | 358176 | 32999.16894 | 4248.6788989 | 232961 | 201532.44342 | 1389783.85524415 | 2219701.14650305 | 29760.20454 | 29760.20454 | 90327 | 90327 | 2339788.3510430497
45586242 | 1841959.14123 | 20153201.107410904 | 24326408 | 69251404.49158807 | 111813161.61642657 | 272972376.35665554 | 2259367.5387199996 | 2259367.5387199996 | 5707470 | 5707470 | 280939213.8953756
Bons B.R.H. | 1600000 | 0 | 0 | 0 | 500000 | 0 | 2100000 | 0 | 0 | 0 | 0 | 2100000
Bons du Trésor / M.E.F. | 22600000 | 1795000 | 0 | 0 | 6750000 | 6700000 | 37845000 | 0 | 0 | 0 | 0 | 37845000
Autres Placements | 15029515 | 0 | 6407761.6220521405 | 5576895 | 28987613.60339 | 36197024.092172064 | 92198809.3176142 | 2354042.47768 | 2354042.47768 | 0 | 0 | 94552851.7952942
Portefeuille net | 23245872 | 367082.99480706966 | 15345839.19499831 | 13994359 | 38657267.44738 | 45328954.27658 | 136939374.91376537 | 4947470.94898 | 4947470.94898 | 96667 | 96667 | 141983512.86274537
Immobilisations | 2971370.00213 | 247698.77208 | 1027037.47866 | 1276191 | 4085178.5917800004 | 3238997.2068 | 12846473.05145 | 623563.6841399999 | 623563.6841399999 | 265982 | 265982 | 13736018.73559
Autres actifs | 2667255 | 1138882.0498600001 | 868311.5195585999 | 1055112 | 6403226.426000001 | 2800677.3794123256 | 14933464.374830926 | 1386657.7611099998 | 1386657.7611099998 | 18864 | 18864 | 16338986.135940926
113700254.00213 | 5390622.95797707 | 43802150.92267996 | 46228965 | 154634690.56013808 | 206078814.571391 | 569835498.0143161 | 11571102.41063 | 11571102.41063 | 6088983 | 6088983 | 587495583.4249461
PASSIF
Dépôts
À vue | 41576899 | 1895280.46158 | 14497816.57322244 | 17883462 | 61312424.112319365 | 78807720.0229733 | 215973602.1700951 | 3698681.7597743655 | 3698681.7597743655 | 3891116 | 3891116 | 223563399.92986944
Épargne | 32705222 | 554966.24023 | 8350309.23866706 | 9062473 | 41938431.79575767 | 72946346.28077942 | 165557748.55543417 | 1145359.8438112452 | 1145359.8438112452 | 716787 | 716787 | 167419895.3992454
À terme | 11896413 | 1977372.1850100001 | 13748218.42287637 | 11088842 | 25027884.67810533 | 26770920.565368228 | 90509650.85135993 | 3187917.8288804004 | 3187917.8288804004 | 4423 | 4423 | 93701991.68024033
86178534 | 4427618.88682 | 36596344.23476587 | 38034777 | 128278740.58618236 | 178524986.86912096 | 472041001.57688916 | 8031959.432466011 | 8031959.432466011 | 4612326 | 4612326 | 484685287.0093552
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 4121150 | 280001.82876 | 1280772.085842385 | 1374712 | 6899995.30131 | 6008605.547065882 | 19965236.762978267 | 207897.59915999998 | 207897.59915999998 | 938812 | 938812 | 21111946.362138268
4121150 | 280001.82876 | 1280772.085842385 | 1374712 | 6899995.30131 | 6008605.547065882 | 19965236.762978267 | 207897.59915999998 | 207897.59915999998 | 938812 | 938812 | 21111946.362138268
Obligations à terme
Banques locales | 6288161 | 0 | 1700835.65634 | 518899 | 4685901.316550001 | 2523427.5776 | 15717224.550490001 | 1756669.92431 | 1756669.92431 | 0 | 0 | 17473894.4748
Banque à l'étranger | 0 | 0 | 0 | 0 | 0.4868 | 0 | 0.4868 | 0 | 0 | 0 | 0 | 0.4868
Autres | 6215157 | 967998.43246 | 663764.24888788 | 205193 | 1057861.21748 | 2000947.0547245452 | 11110920.953552425 | 315770.47059 | 315770.47059 | 85621 | 85621 | 11512312.424142424
12503318 | 967998.43246 | 2364599.90522788 | 724092 | 5743763.020830001 | 4524374.632324545 | 26828145.990842424 | 2072440.3949 | 2072440.3949 | 85621 | 85621 | 28986207.385742426
Autres passifs | 1285228 | 22259.700839999998 | 224728.10600989498 | 1569902 | 4172245.07862 | 1979212.436091575 | 9253575.32156147 | 383341.52213000006 | 383341.52213000006 | 0 | 0 | 9636916.84369147
104088230 | 5697878.8488799995 | 40466444.33184603 | 41703483 | 145094743.98694235 | 191037179.48460296 | 528087959.6522713 | 10695638.94865601 | 10695638.94865601 | 5636759 | 5636759 | 544420357.6009272
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728499.26157 | 2025000 | 3000000 | 6300687.5 | 15219186.76157 | 300000 | 300000 | 103837 | 103837 | 15623023.76157
Réserves | 2148480 | 237593.9566 | 385030.98121999996 | 456811 | 2131701.77986 | 2462989.73455 | 7822607.45223 | 305318.4714 | 305318.4714 | 59288 | 59288 | 8187213.92363
Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Surplus d'apport | 0 | 104325 | 1202178.03833 | 1384 | 0 | 0 | 1307887.03833 | 0 | 0 | 0 | 0 | 1307887.03833
BNR | 4463544 | -814174.8479200001 | 1019998.310048 | 2042287 | 4408244.793339998 | 6277957.848540001 | 17397857.104008 | 270144.9905699999 | 270144.9905699999 | 289099 | 289099 | 17957101.094578
9612024 | -307255.89132000005 | 3335706.591168 | 4525482 | 9539946.573199999 | 15041635.08309 | 41747538.356138 | 875463.4619699998 | 875463.4619699998 | 452224 | 452224 | 43075225.818108
113700254 | 5390622.957559999 | 43802150.92301403 | 46228965 | 154634690.56014234 | 206078814.56769297 | 569835498.0084093 | 11571102.41062601 | 11571102.41062601 | 6088983 | 6088983 | 587495583.4190353
Hors-bilan
Effets à l'encaissement | 1442315 | 0 | 0 | 0 | 54612.991590000005 | 3896.756599501 | 1500824.748189501 | 0 | 0 | 0 | 0 | 1500824.748189501
Crédit documentaire | 0 | 0 | 0 | 0 | 2209118.33377 | 2167905.5821723 | 4377023.9159423 | 0 | 0 | 0 | 0 | 4377023.9159423
Autres | 5454403 | 274055.030656465 | 2654699.08580754 | 315246 | 11647379.91612 | 2297596.6191816498 | 22643379.651765652 | 602262.4708434 | 602262.4708434 | 173041.25823 | 173041.25823 | 23418683.380839054
Portefeuille brut | 26812089 | 1345690.9374570698 | 16743477.053703833 | 14244083 | 40939657.45779 | 46006789.27329 | 146091786.7222409 | 5150825.81374 | 5150825.81374 | 96667 | 96667 | 151339279.53598088
Provisions pour créances douteuses | 3566217 | 978607.9426500001 | 1397637.858705522 | 249724 | 2282390.01041 | 677834.99671 | 9152411.808475522 | 203354.86476000003 | 203354.86476000003 | 0 | 0 | 9355766.673235523
Portefeuille de crédit improductif | 7115630 | 1156420.779245475 | 3005892.64968202 | 74197 | 1425307 | 94172.29688000001 | 12871619.725807495 | 249885.18277 | 249885.18277 | 0 | 0 | 13121504.908577496
Dépôts US convertis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Immobilisation /A | 0.3091305225756823 | -0.8061644351744173 | 0.30789203144524235 | 0.28200112164847857 | 0.4282181834493967 | 0.21533544650616623 | 0.3077180968578289 | 0.712266943427695 | 0.712266943427695 | 0.5881642725728843 | 0.5881642725728843 | 0.3188844277588358
Liquidité en % de l'actif | 0.6137738443283747 | 0.6746825310510747 | 0.46009615242378293 | 0.526215717786457 | 0.49472342987511175 | 0.5750865845327859 | 0.5491363339894877 | 0.195259488555247 | 0.195259488555247 | 0.9373437239026616 | 0.9373437239026616 | 0.5461900020161927
Liquidité en % des dépôts | 0.8097868316024035 | 0.8214255188169851 | 0.5506889152131683 | 0.6395832950460049 | 0.5963685341936423 | 0.6638463539185703 | 0.6629029582416168 | 0.2812971800613686 | 0.2812971800613686 | 1.2374385505274346 | 1.2374385505274346 | 0.6620465330716384
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 111813161.61642657 | BNC | 1600000 | UNIBK | 45328954.27658 | UNIBK | 15041635.08309
SOGEBK | 69251404.49158807 | SOGEBK | 500000 | SOGEBK | 38657267.44738 | BNC | 9612024
BNC | 45586242 | CAPITALBK | 0 | BNC | 23245872 | SOGEBK | 9539946.573199999
CAPITALBK | 24326408 | UNIBK | 0 | BUH | 15345839.19499831 | CAPITALBK | 4525482
BUH | 20153201.107410904 | BPH | 0 | CAPITALBK | 13994359 | BUH | 3335706.591168
CBNA | 5707470 | BUH | 0 | SOGEBL | 4947470.94898 | SOGEBL | 875463.4619699998
SOGEBL | 2259367.5387199996 | CBNA | 0 | BPH | 367082.99480706966 | CBNA | 452224
BPH | 1841959.14123 | SOGEBL | 0 | CBNA | 96667 | BPH | -307255.89132000005
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanmars22 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 mars 2022
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 5036422 | 349485.22975 | 1179087.97617608 | 1547202 | 4614645.8652 | 5967633.78760368 | 18694476.85872976 | 77297.30623000002 | 77297.30623000002 | 49484 | 49484 | 18821258.164959762
Avoirs à la BRH | 33348642 | 1495342.2694 | 15463747.7651532 | 18922169 | 51947148.15360001 | 76105412.6025132 | 197282461.7906664 | 1655334.11145 | 1655334.11145 | 4442361 | 4442361 | 203380156.9021164
Avoirs à l'étranger | 3046599 | 0 | 1745091.7270939199 | 2447945 | 7244863.581099999 | 20837185.845959034 | 35321685.15415295 | 0 | 0 | 692552 | 692552 | 36014237.15415295
Avoirs dans les banques locales | 0 | 0 | 204667.86193928 | 14715 | 36686.435 | -3.7034795968793333e-09 | 256069.2969392763 | 157105.32249000002 | 157105.32249000002 | 0 | 0 | 413174.6194292763
Autres liquidités | 677352 | 7003.33722 | 3252.1966675999997 | 424115 | 160292.58293 | 1153819.06821944 | 2425834.18503704 | 37174.577269999994 | 37174.577269999994 | 58111 | 58111 | 2521119.76230704
42109015 | 1851830.8363700002 | 18595847.52703008 | 23356146 | 64003636.61783001 | 104064051.30429535 | 253980527.28552544 | 1926911.31744 | 1926911.31744 | 5242508 | 5242508 | 261149946.60296544
Bons B.R.H. | 1500000 | 0 | 0 | 0 | 0 | 0 | 1500000 | 0 | 0 | 0 | 0 | 1500000
Bons du Trésor / M.E.F. | 20650000 | 1800000 | 0 | 0 | 5250000 | 9700000 | 37400000 | 0 | 0 | 0 | 0 | 37400000
Autres Placements | 14792050 | 0 | 5732107.56329816 | 3893426 | 25280474.38121 | 32042361.4991649 | 81740419.44367306 | 2224666.61477 | 2224666.61477 | 0 | 0 | 83965086.05844305
Portefeuille net | 23595779 | 307815.1988900001 | 14294328.520206444 | 12495100 | 37668175.41427 | 43266315.300340004 | 131627513.43370643 | 4726902.29294792 | 4726902.29294792 | 96667 | 96667 | 136451082.72665435
Immobilisations | 2974585.0042 | 260419.97009 | 1025048.54414 | 1229136 | 4075119.7471900005 | 3237373.18895 | 12801682.454570001 | 621981.8739799999 | 621981.8739799999 | 266367 | 266367 | 13690031.328550002
Autres actifs | 2977402 | 1030401.35485 | 1350103.3013173598 | 1041120 | 5652468.113729999 | 2376031.49763744 | 14427526.2675348 | 1319174.9893200002 | 1319174.9893200002 | 16877 | 16877 | 15763578.2568548
108598831.0042 | 5250467.3602 | 40997435.45599204 | 42014928 | 141929874.27423003 | 194686132.7903877 | 533477668.88500977 | 10819637.088457922 | 10819637.088457922 | 5622419 | 5622419 | 549919724.9734677
PASSIF
Dépôts
À vue | 39308520 | 1909445.69482 | 13645241.851466082 | 15761488 | 54591618.13988766 | 74875776.42385721 | 200092090.11003095 | 3332166.0252900003 | 3332166.0252900003 | 3592594 | 3592594 | 207016850.13532096
Épargne | 30539023 | 532605.58394 | 7134554.3697992 | 8154226 | 38144748.59183792 | 66603413.225681044 | 151108570.77125815 | 1079046.8361600002 | 1079046.8361600002 | 641505 | 641505 | 152829122.60741815
À terme | 11265082 | 1849128.17648 | 12683697.322354 | 9941414 | 23594660.973549515 | 24193836.201953836 | 83527818.67433736 | 2968501.43256 | 2968501.43256 | 4423 | 4423 | 86500743.10689735
81112625 | 4291179.45524 | 33463493.543619283 | 33857128 | 116331027.70527509 | 165673025.85149208 | 434728479.5556265 | 7379714.29401 | 7379714.29401 | 4238522 | 4238522 | 446346715.84963644
Obligations à vue
Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 3970502 | 251379.90006 | 1563364.43503184 | 1546532 | 6471535.985099999 | 4915567.37648103 | 18718881.69667287 | 171006.48456999997 | 171006.48456999997 | 835216 | 835216 | 19725104.181242872
3970502 | 251379.90006 | 1563364.43503184 | 1846532 | 6471535.985099999 | 4915567.37648103 | 19018881.69667287 | 171006.48456999997 | 171006.48456999997 | 835216 | 835216 | 20025104.181242872
Obligations à terme
Banques locales | 6784540 | 0 | 1747248.5136 | 535667 | 5027114.348719999 | 5069733.88215 | 19164303.74447 | 1731616.8439200001 | 1731616.8439200001 | 0 | 0 | 20895920.58839
Banque à l'étranger | 0 | 0 | 0 | 0 | 0.43979 | 0 | 0.43979 | 0 | 0 | 0 | 0 | 0.43979
Autres | 6030361 | 981233.0291 | 758616.9994715872 | 147117 | 791009.07175 | 2209621.1538708797 | 10917958.254192468 | 279277.49453 | 279277.49453 | 77057 | 77057 | 11274292.748722468
12814901 | 981233.0291 | 2505865.5130715873 | 682784 | 5818123.8602599995 | 7279355.03602088 | 30082262.438452467 | 2010894.3384500002 | 2010894.3384500002 | 77057 | 77057 | 32170213.776902467
Autres passifs | 1129869 | 21241.01746 | 196544.03229696 | 1489710 | 3977608.13181 | 1713015.59073616 | 8527987.77230312 | 409499.24350000004 | 409499.24350000004 | 0 | 0 | 8937487.01580312
99027897 | 5545033.40186 | 37729267.52401967 | 37876154 | 132598295.68244508 | 179580963.85473013 | 492357611.4630549 | 9971114.36053 | 9971114.36053 | 5150795 | 5150795 | 507479520.8235849
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728499.26157 | 810000 | 3000000 | 6300687.5 | 14004186.76157 | 300000 | 300000 | 103837 | 103837 | 14408023.76157
Réserves | 2106357 | 237593.9566 | 385030.98121999996 | 781811 | 2131701.77986 | 2458444.36815 | 8100939.085829999 | 305318.4714 | 305318.4714 | 59288 | 59288 | 8465545.55723
Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Surplus d'apport | 0 | 104325 | 1202178.03833 | 1384 | 0 | 0 | 1307887.03833 | 0 | 0 | 0 | 0 | 1307887.03833
BNR | 4464577 | -801484.9977300001 | 952459.6508477746 | 2545579 | 4199876.811919998 | 6346037.065479999 | 17707044.53051777 | 243204.25656999997 | 243204.25656999997 | 308499 | 308499 | 18258747.787087772
9570934 | -294566.04113 | 3268167.9319677744 | 4138774 | 9331578.59178 | 15105168.933629999 | 41120057.41624777 | 848522.7279699999 | 848522.7279699999 | 471624 | 471624 | 42440204.144217774
108598831 | 5250467.36073 | 40997435.455987446 | 42014928 | 141929874.2742251 | 194686132.78836012 | 533477668.87930274 | 10819637.0885 | 10819637.0885 | 5622419 | 5622419 | 549919724.9678026
Hors-bilan
Effets à l'encaissement | 1303025 | 0 | 0 | 0 | 18210.459740000002 | 4584.049443434 | 1325819.509183434 | 0 | 0 | 0 | 0 | 1325819.509183434
Crédit documentaire | 0 | 0 | 0 | 0 | 1994005.21078 | 1681665.7357104 | 3675670.9464904 | 0 | 0 | 0 | 0 | 3675670.9464904
Autres | 4696508 | 230735.274625 | 2805613.0789375203 | 278392 | 8924504.546120001 | 2083855.6387447198 | 19019608.53842724 | 529486.08056464 | 529486.08056464 | 369426.42164 | 369426.42164 | 19918521.040631883
Portefeuille brut | 27085375 | 1280897.42989 | 15570542.186766557 | 12722948 | 39667745.51438 | 43960853.42089 | 140288361.55192655 | 4912569.99304792 | 4912569.99304792 | 96667 | 96667 | 145297598.54497448
Provisions pour créances douteuses | 3489596 | 973082.2309999999 | 1276213.6665601125 | 227848 | 1999570.10011 | 694538.12055 | 8660848.118220111 | 185667.70010000002 | 185667.70010000002 | 0 | 0 | 8846515.81832011
Portefeuille de crédit improductif | 5719525 | 1097253.18595 | 2623716.9914146396 | 64411 | 1527373 | 89393.09167 | 11121672.269034639 | 242987.21453568002 | 242987.21453568002 | 0 | 0 | 11364659.483570319
Dépôts US convertis | 92094057 | 4690683.72937 | 37778218.982636556 | 37028252 | 129332295.37609142 | 187147926.7207068 | 488071433.80880475 | 8021818.65798527 | 8021818.65798527 | 4088046 | 4088046 | 500181298.46679
Immobilisation /A | 0.31079359696765224 | -0.8840800829959539 | 0.3136462279411741 | 0.296980700081715 | 0.43670207640748926 | 0.21432221004442686 | 0.31132452771118146 | 0.7330173411713146 | 0.7330173411713146 | 0.5647867792987634 | 0.5647867792987634 | 0.32257223085047737
Liquidité en % de l'actif | 0.5917100065056393 | 0.6955249096588795 | 0.4535856284716018 | 0.5559011311408174 | 0.4879426334446086 | 0.5843459401742879 | 0.5490024125989337 | 0.17809389554253846 | 0.17809389554253846 | 0.9324292622090242 | 0.9324292622090242 | 0.5456249939342368
Liquidité en % des dépôts | 0.7922196452155259 | 0.8510086502932696 | 0.5557055034552983 | 0.6898442774000204 | 0.5953152652728578 | 0.6866781766047569 | 0.6737090875318403 | 0.26110920296793116 | 0.26110920296793116 | 1.2368717208498623 | 1.2368717208498623 | 0.6722351390707783
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 104064051.30429535 | BNC | 1500000 | UNIBK | 43266315.300340004 | UNIBK | 15105168.933629999
SOGEBK | 64003636.61783001 | SOGEBK | 0 | SOGEBK | 37668175.41427 | BNC | 9570934
BNC | 42109015 | CAPITALBK | 0 | BNC | 23595779 | SOGEBK | 9331578.59178
CAPITALBK | 23356146 | UNIBK | 0 | BUH | 14294328.520206444 | CAPITALBK | 4138774
BUH | 18595847.52703008 | BPH | 0 | CAPITALBK | 12495100 | BUH | 3268167.9319677744
CBNA | 5242508 | BUH | 0 | SOGEBL | 4726902.29294792 | SOGEBL | 848522.7279699999
SOGEBL | 1926911.31744 | CBNA | 0 | BPH | 307815.1988900001 | CBNA | 471624
BPH | 1851830.8363700002 | SOGEBL | 0 | CBNA | 96667 | BPH | -294566.04113
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbandéc. 21 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 décembre 2021
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 3527056 | 296131.89960999996 | 911980.505631775 | 966863 | 3387712.22689 | 3330080.3577089366 | 12419823.98984071 | 67219.84224999999 | 67219.84224999999 | 35320 | 35320 | 12522363.832090711
Avoirs à la BRH | 35766230 | 1521012.79145 | 16149605.89443703 | 14461309 | 49370654.916319996 | 75394417.43543717 | 192663230.0376442 | 1496700.6732799998 | 1496700.6732799998 | 4439023 | 4439023 | 198598953.7109242
Avoirs à l'étranger | 2660092 | 0 | 1364099.720982831 | 5558614 | 9628041.325690001 | 19096774.33684147 | 38307621.3835143 | 0 | 0 | 552701 | 552701 | 38860322.3835143
Avoirs dans les banques locales | 0 | 0 | 84328.688359958 | 31621 | 11048.41 | 2.37455444294028e-09 | 126998.09835996038 | 236407.84713999997 | 236407.84713999997 | 0 | 0 | 363405.94549996033
Autres liquidités | 538450 | 11734.87537 | 48.341 | 134420 | 114311.25438 | 737278.8199936841 | 1536243.2907436842 | 6988.6967 | 6988.6967 | 106277 | 106277 | 1649508.9874436841
42491828 | 1828879.56643 | 18510063.15041159 | 21152827 | 62511768.133279994 | 98558550.94998126 | 245053916.8001029 | 1807317.0593699997 | 1807317.0593699997 | 5133321 | 5133321 | 251994554.85947287
Bons B.R.H. | 800000 | 0 | 0 | 0 | 5500000 | 0 | 6300000 | 0 | 0 | 0 | 0 | 6300000
Bons du Trésor / M.E.F. | 20600000 | 1565000 | 0 | 0 | 0 | 7550000 | 29715000 | 0 | 0 | 0 | 0 | 29715000
Autres Placements | 15302454 | 0 | 5879008.223214399 | 3868880 | 22700012.235310003 | 33791025.81473601 | 81541380.27326041 | 1947287.27127 | 1947287.27127 | 0 | 0 | 83488667.54453042
Portefeuille net | 24192121 | 301918.07063 | 13391292.247499876 | 12071898 | 36854833.957820006 | 40241685.21874 | 127053748.49468988 | 4805310.620719998 | 4805310.620719998 | 96667 | 96667 | 131955726.11540988
Immobilisations | 2959550 | 350682.92631999997 | 1030060.6353700001 | 1173813 | 4088116.9210400004 | 3080944.37777 | 12683167.8605 | 626101.95165 | 626101.95165 | 268082 | 268082 | 13577351.81215
Autres actifs | 2513502 | 973187.89194 | 1002789.401315024 | 1263072 | 6075210.58577 | 2470940.935595562 | 14298702.814620586 | 1256642.8256499998 | 1256642.8256499998 | 36938 | 36938 | 15592283.640270585
108859455 | 5019668.45532 | 39813213.65781089 | 39530490 | 137729941.83322 | 185693147.29682285 | 516645916.2431738 | 10442659.728659997 | 10442659.728659997 | 5535008 | 5535008 | 532623583.9718337
PASSIF
Dépôts
À vue | 41016533 | 1887642.4668400001 | 13879708.585220747 | 14240123 | 52065568.9171979 | 71587322.71611007 | 194676898.68536872 | 3034178.3679099996 | 3034178.3679099996 | 3474785 | 3474785 | 201185862.0532787
Épargne | 30548090 | 530021.06429 | 6881361.233152483 | 7872921 | 37082272.90075241 | 64599656.28404063 | 147514322.48223552 | 972042.9224200002 | 972042.9224200002 | 607299 | 607299 | 149093664.40465552
À terme | 10924285 | 1794272.22827 | 11615199.367836019 | 9319383 | 22048046.37416017 | 24341820.637271136 | 80043006.60753733 | 2887906.77702 | 2887906.77702 | 4422 | 4422 | 82935335.38455734
82488908 | 4211935.7594 | 32376269.186209247 | 31432427 | 111195888.19211048 | 160528799.63742182 | 422234227.77514154 | 6894128.06735 | 6894128.06735 | 4086506 | 4086506 | 433214861.8424916
Obligations à vue
Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2834674 | 237380.48211999997 | 1403588.039140898 | 1288152 | 6095905.496959999 | 4531688.063477618 | 16391388.081698515 | 147782.98613 | 147782.98613 | 867927 | 867927 | 17407098.067828514
2834674 | 237380.48211999997 | 1403588.039140898 | 1588152 | 6095905.496959999 | 4531688.063477618 | 16691388.081698515 | 147782.98613 | 147782.98613 | 867927 | 867927 | 17707098.067828514
Obligations à terme
Banques locales | 7289925 | 0 | 1795605.81531 | 552436 | 5097563.80568 | 3335600.78599 | 18071131.40698 | 1747542.04506 | 1747542.04506 | 0 | 0 | 19818673.45204
Banque à l'étranger | 0 | 0 | 0 | 0 | 0.41944 | 0 | 0.41944 | 0 | 0 | 0 | 0 | 0.41944
Autres | 5882939 | 916604.07276 | 507758.89200395194 | 226021 | 1216992.31308 | 1697761.6634318838 | 10448076.941275835 | 304130.19981 | 304130.19981 | 96872 | 96872 | 10849079.141085835
13172864 | 916604.07276 | 2303364.707313952 | 778457 | 6314556.5382 | 5033362.449421884 | 28519208.767695837 | 2051672.24487 | 2051672.24487 | 96872 | 96872 | 30667753.012565836
Autres passifs | 1231467 | 24125.148220000003 | 277952.14347259275 | 1418316 | 3672938.0652900003 | 1668954.669669894 | 8293753.026652487 | 401097.07229000004 | 401097.07229000004 | 0 | 0 | 8694850.098942487
99727913 | 5390045.462499999 | 36361174.076136686 | 35217352 | 127279288.29256049 | 171762804.8199912 | 475738577.6511884 | 9494680.37064 | 9494680.37064 | 5051305 | 5051305 | 490284563.02182835
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 729186.76157 | 810000 | 3000000 | 6300687.5 | 14004874.26157 | 300000 | 300000 | 103837 | 103837 | 14408711.26157
Réserves | 2106357 | 150488.951 | 294604.93022 | 605876 | 2131701.77986 | 1778707.62408 | 7067736.2851599995 | 303641.99439999997 | 303641.99439999997 | 59288 | 59288 | 7430666.27956
Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Surplus d'apport | 0 | 174325 | 1210135.63001 | 1384 | 0 | 0 | 1385844.63001 | 0 | 0 | 0 | 0 | 1385844.63001
BNR | 4025185 | -860190.95849 | 1218112.259654 | 2895878 | 5318951.760780001 | 5850947.35571 | 18448883.417654 | 344337.36339 | 344337.36339 | 320578 | 320578 | 19113798.781044
9131542 | -370377.00749 | 3452039.581454 | 4313138 | 10450653.54064 | 13930342.47979 | 40907338.594394 | 947979.35779 | 947979.35779 | 483703 | 483703 | 42339020.952184
108859455 | 5019668.45501 | 39813213.65759069 | 39530490 | 137729941.83320048 | 185693147.2997812 | 516645916.24558246 | 10442659.728430001 | 10442659.728430001 | 5535008 | 5535008 | 532623583.9740125
Hors-bilan
Effets à l'encaissement | 1242730 | 0 | 0 | 0 | 37347.965710000004 | 3648.378052342 | 1283726.343762342 | 0 | 0 | 0 | 0 | 1283726.343762342
Crédit documentaire | 0 | 0 | 0 | 0 | 1936095.6816399998 | 1537809.2840606398 | 3473904.9657006394 | 0 | 0 | 0 | 0 | 3473904.9657006394
Autres | 4628093 | 228433.71529999998 | 2512948.538146832 | 256277 | 9264403.43703 | 1897810.7787605058 | 18787966.469237342 | 495070.158135 | 495070.158135 | 536283.99167 | 536283.99167 | 19819320.619042344
Portefeuille brut | 27608895 | 1261351.12995 | 14569656.001132907 | 12297078 | 38701882.099020004 | 41034652.89971 | 135473515.1298129 | 4980092.110909998 | 4980092.110909998 | 96667 | 96667 | 140550274.2407229
Provisions pour créances douteuses | 3416774 | 959433.05932 | 1178363.753633032 | 225180 | 1847048.1412 | 792967.6809700001 | 8419766.635123033 | 174781.49019 | 174781.49019 | 0 | 0 | 8594548.125313032
Portefeuille de crédit improductif | 5580256 | 1073668.21934 | 979785.5147823989 | 66086 | 932897 | 51063.91722 | 8683756.6513424 | 225595.95974 | 225595.95974 | 0 | 0 | 8909352.6110824
Dépôts US convertis | 43342122 | 2744936.75263 | 26495196.55505655 | 27141824 | 88538517.4464814 | 139122011.7240868 | 327384608.4782548 | 6356459.9129952695 | 6356459.9129952695 | 2787396 | 2787396 | 336528464.3912501
Immobilisation /A | 0.3241018877206062 | -0.9468269337142053 | 0.29839189588206816 | 0.27214825957342426 | 0.3911828963750762 | 0.2211678845828667 | 0.31004627277899033 | 0.6604594778409684 | 0.6604594778409684 | 0.5542285245284814 | 0.5542285245284814 | 0.3206817613350984
Liquidité en % de l'actif | 0.5869203368692228 | 0.676116280714329 | 0.4649226085968102 | 0.535101563375511 | 0.4938052483579557 | 0.5714187760540841 | 0.5440262043372274 | 0.17307056883312952 | 0.17307056883312952 | 0.92742792783678 | 0.92742792783678 | 0.5407375180643587
Liquidité en % des dépôts | 0.7745505371461578 | 0.8057766690424228 | 0.5717169895009397 | 0.6729619383193032 | 0.6116392362978178 | 0.6609938602272191 | 0.6656706119755516 | 0.2621531021347425 | 0.2621531021347425 | 1.256163823080157 | 1.256163823080157 | 0.6648191930317189
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 98558550.94998126 | SOGEBK | 5500000 | UNIBK | 40241685.21874 | UNIBK | 13930342.47979
SOGEBK | 62511768.133279994 | BNC | 800000 | SOGEBK | 36854833.957820006 | SOGEBK | 10450653.54064
BNC | 42491828 | CAPITALBK | 0 | BNC | 24192121 | BNC | 9131542
CAPITALBK | 21152827 | UNIBK | 0 | BUH | 13391292.247499876 | CAPITALBK | 4313138
BUH | 18510063.15041159 | BPH | 0 | CAPITALBK | 12071898 | BUH | 3452039.581454
CBNA | 5133321 | BUH | 0 | SOGEBL | 4805310.620719998 | SOGEBL | 947979.35779
BPH | 1828879.56643 | CBNA | 0 | BPH | 301918.07063 | CBNA | 483703
SOGEBL | 1807317.0593699997 | SOGEBL | 0 | CBNA | 96667 | BPH | -370377.00749
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbansept. 21 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 septembre 2021
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 4943823 | 311269.32863 | 1099481.89051165 | 1183107 | 5409199.95624 | 5026401.075495942 | 17973282.25087759 | 88270.42455 | 88270.42455 | 65851 | 65851 | 18127403.67542759
Avoirs à la BRH | 31975177 | 1447130.5060999999 | 20256406.605125606 | 13906636 | 49113854.972090006 | 72338779.38893872 | 189037984.47225434 | 1399708.7097399998 | 1399708.7097399998 | 4160086 | 4160086 | 194597779.18199435
Avoirs à l'étranger | 5726463 | 0 | 899253.4335778401 | 5929326 | 10248018.089629998 | 16946757.402034957 | 39749817.9252428 | 0 | 0 | 1247429 | 1247429 | 40997246.9252428
Avoirs dans les banques locales | 0 | 0 | 81692.253350172 | 60583 | 3196.385 | 6.110186409205198e-09 | 145471.63835017814 | 158746.76059 | 158746.76059 | 0 | 0 | 304218.3989401781
Autres liquidités | 326237 | 81687.89665 | 6984.7992243339995 | 266056 | 138057.36656 | 781780.364158288 | 1600803.426592622 | 48261.75186 | 48261.75186 | 66561 | 66561 | 1715626.178452622
42971700 | 1840087.7313799998 | 22343818.981789604 | 21345708 | 64912326.76952 | 95093718.23062791 | 248507359.71331754 | 1694987.64674 | 1694987.64674 | 5539927 | 5539927 | 255742274.3600575
Bons B.R.H. | 1000000 | 0 | 0 | 150000 | 4950000 | 0 | 6100000 | 0 | 0 | 0 | 0 | 6100000
Bons du Trésor / M.E.F. | 18100000 | 1548000 | 0 | 0 | 0 | 6800000 | 26448000 | 0 | 0 | 0 | 0 | 26448000
Autres Placements | 12007079 | 0 | 1429673.942552724 | 3480953 | 22022722.121720005 | 33002607.99476046 | 71943036.05903319 | 1717552.29115 | 1717552.29115 | 0 | 0 | 73660588.35018319
Portefeuille net | 24226185 | 299724.2969170001 | 12879428.636476168 | 11921831 | 35277167.734450005 | 40850938.74394 | 125455275.41178316 | 4821323.286839 | 4821323.286839 | 174580 | 174580 | 130451178.69862215
Immobilisations | 2756678 | 346872.70577 | 1039354.6431699999 | 1152314 | 4096161.708640001 | 3053038.18846 | 12444419.246040002 | 645881.5596399999 | 645881.5596399999 | 273970 | 273970 | 13364270.805680001
Autres actifs | 2461373 | 965622.04952 | 839857.723691214 | 847974 | 5415062.206769999 | 2722733.8798898105 | 13252622.859871024 | 1199053.65138 | 1199053.65138 | 32652 | 32652 | 14484328.511251025
103523015 | 5000306.783586999 | 38532133.92767971 | 38898780 | 136673440.5411 | 181523037.03767818 | 504150713.29004484 | 10078798.435749 | 10078798.435749 | 6021129 | 6021129 | 520250640.72579384
PASSIF
Dépôts
À vue | 38710883 | 1806698.38074 | 13020462.387828887 | 14465410 | 53654515.87899203 | 70871141.36605118 | 192529111.0136121 | 2801077.98982 | 2801077.98982 | 3967413 | 3967413 | 199297602.0034321
Épargne | 28477678 | 521071.6006400001 | 6703645.475447021 | 7399691 | 36063313.63760547 | 61506483.11393759 | 140671882.82763007 | 938439.2143900001 | 938439.2143900001 | 574758 | 574758 | 142185080.04202008
À terme | 10890711 | 1776960.29397 | 11801532.859254247 | 9101621 | 21628444.86694462 | 24309007.97476168 | 79508277.99493054 | 2848898.48685 | 2848898.48685 | 4421 | 4421 | 82361597.48178053
78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475045 | 412709271.8361727 | 6588415.69106 | 6588415.69106 | 4546592 | 4546592 | 423844279.5272327
Obligations à vue
Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2949874 | 286859.91713 | 1297816.839974808 | 1345439 | 5654482.18983 | 4083656.0309415725 | 15618127.97787638 | 183298.82252 | 183298.82252 | 904589 | 904589 | 16706015.800396381
2949874 | 286859.91713 | 1297816.839974808 | 1645439 | 5654482.18983 | 4083656.0309415725 | 15918127.97787638 | 183298.82252 | 183298.82252 | 904589 | 904589 | 17006015.800396383
Obligations à terme
Banques locales | 7440513 | 0 | 1843963.11702 | 569204 | 5127708.24985 | 3968534.2379099997 | 18949922.60478 | 1733797.70961 | 1733797.70961 | 0 | 0 | 20683720.31439
Banque à l'étranger | 0 | 0 | 0 | 0 | 639.981 | 0 | 639.981 | 0 | 0 | 0 | 0 | 639.981
Autres | 5251196 | 938341.1038200001 | 408627.28477162 | 201823 | 1076224.85696 | 1622216.4417192084 | 9498428.687270828 | 294251.50182999996 | 294251.50182999996 | 91353 | 91353 | 9884033.189100828
12691709 | 938341.1038200001 | 2252590.40179162 | 771027 | 6204573.08781 | 5590750.6796292085 | 28448991.273050826 | 2028049.21144 | 2028049.21144 | 91353 | 91353 | 30568393.484490827
Autres passifs | 1099856 | 19811.747539999997 | 219690.4779300993 | 1485709 | 3697789.3651900003 | 1834504.3993485821 | 8357360.990008681 | 419297.56834 | 419297.56834 | 0 | 0 | 8776658.558348682
94820711 | 5349743.0438399995 | 35295738.442226686 | 34868897 | 126903119.02637212 | 168195543.56466982 | 465433752.0771086 | 9219061.29336 | 9219061.29336 | 5542534 | 5542534 | 480195347.3704686
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 735436.76157 | 810000 | 3000000 | 6301937.5 | 14012374.26157 | 300000 | 300000 | 103837 | 103837 | 14416211.26157
Réserves | 2106357 | 150488.951 | 294604.93022 | 605876 | 1787827.4278599997 | 1776025.1432 | 6721179.452279999 | 314508.72972 | 314508.72972 | 59288 | 59288 | 7094976.181999999
Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Surplus d'apport | 0 | 174325 | 1273607.57601 | 1384 | 0 | 0 | 1449316.57601 | 0 | 0 | 0 | 0 | 1449316.57601
BNR | 3595947 | -839250.2106100001 | 932746.2181299999 | 2612623 | 4982494.086860002 | 5249530.83167 | 16534090.926050004 | 245228.41199 | 245228.41199 | 315470 | 315470 | 17094789.338040005
8702304 | -349436.25961000007 | 3236395.48593 | 4029883 | 9770321.51472 | 13327493.47487 | 38716961.21591 | 859737.1417099999 | 859737.1417099999 | 478595 | 478595 | 40055293.35762
103523015 | 5000306.784229999 | 38532133.92815669 | 38898780 | 136673440.54109213 | 181523037.0395398 | 504150713.2930186 | 10078798.43507 | 10078798.43507 | 6021129 | 6021129 | 520250640.72808856
Hors-bilan
Effets à l'encaissement | 1211933 | 0 | 0 | 0 | 52302.66995 | 2958.534002186 | 1267194.203952186 | 0 | 0 | 0 | 0 | 1267194.203952186
Crédit documentaire | 0 | 0 | 0 | 0 | 1998847.9257 | 1568762.3525348501 | 3567610.27823485 | 0 | 0 | 0 | 0 | 3567610.27823485
Autres | 4577443 | 202711.42267 | 3234982.958983928 | 240645 | 9109167.89706 | 2359671.6640074262 | 19724621.942721352 | 525606.4589699999 | 525606.4589699999 | 523955.56958 | 523955.56958 | 20774183.97127135
Portefeuille brut | 27361301 | 1248027.1620770001 | 13538290.93658562 | 12142855 | 37178786.39529 | 41781164.05436 | 133250424.54831262 | 5029973.547389 | 5029973.547389 | 174580 | 174580 | 138454978.0957016
Provisions pour créances douteuses | 3135116 | 948302.86516 | 658862.300109452 | 221024 | 1901618.66084 | 930225.31042 | 7795149.136529452 | 208650.26055 | 208650.26055 | 0 | 0 | 8003799.397079452
Portefeuille de crédit improductif | 4645111 | 1058203.1911819999 | 761869.776760954 | 51808 | 824729 | 213127.79359999998 | 7554848.761542954 | 207283.56608000002 | 207283.56608000002 | 0 | 0 | 7762132.327622954
Dépôts US convertis | 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475048 | 412709271.83617276 | 6588415.691060001 | 6588415.691060001 | 4546592 | 4546592 | 423844279.52723277
Immobilisation /A | 0.316775649299312 | -0.992663744046307 | 0.32114574615139607 | 0.28594229658776693 | 0.41924533419588184 | 0.22907819795348128 | 0.3214203505446136 | 0.7512546897245296 | 0.7512546897245296 | 0.5724464317429142 | 0.5724464317429142 | 0.3336455605595414
Liquidité en % de l'actif | 0.5995932402084696 | 0.6775759724385421 | 0.5798749434362065 | 0.5526062256965385 | 0.5111624211180316 | 0.5613266497380062 | 0.5574828167536926 | 0.16817358314538394 | 0.16817358314538394 | 0.9200811010692513 | 0.9200811010692513 | 0.5541372788275052
Liquidité en % des dépôts | 0.7949830782233728 | 0.8254105639355576 | 0.708750669921241 | 0.6941550997874428 | 0.6274329981519904 | 0.6503025601756666 | 0.6810008373761083 | 0.2572678662398268 | 0.2572678662398268 | 1.2184790278080813 | 1.2184790278080813 | 0.6801796987365836
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 95093718.23062791 | SOGEBK | 4950000 | UNIBK | 40850938.74394 | UNIBK | 13327493.47487
SOGEBK | 64912326.76952 | BNC | 1000000 | SOGEBK | 35277167.734450005 | SOGEBK | 9770321.51472
BNC | 42971700 | CAPITALBK | 150000 | BNC | 24226185 | BNC | 8702304
BUH | 22343818.981789604 | UNIBK | 0 | BUH | 12879428.636476168 | CAPITALBK | 4029883
CAPITALBK | 21345708 | BPH | 0 | CAPITALBK | 11921831 | BUH | 3236395.48593
CBNA | 5539927 | BUH | 0 | SOGEBL | 4821323.286839 | SOGEBL | 859737.1417099999
BPH | 1840087.7313799998 | CBNA | 0 | BPH | 299724.2969170001 | CBNA | 478595
SOGEBL | 1694987.64674 | SOGEBL | 0 | CBNA | 174580 | BPH | -349436.25961000007
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanjuin 21 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 JUIN 2021
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 4284783 | 281803.37025 | 1136396.532384024 | 1090244 | 8768219.272791402 | 4188459.1425704714 | 19749905.3179959 | 60045.27794045083 | 60045.27794045083 | 125405 | 125405 | 19935355.59593635
Avoirs à la BRH | 30922327 | 1486639.52779 | 17827610.64715474 | 13848423 | 41061127.50611723 | 64514976.38595757 | 169661104.06701955 | 1406396.0162976007 | 1406396.0162976007 | 3966623 | 3966623 | 175034123.08331716
Avoirs à l'étranger | 0 | 0 | 627079.575536216 | 4900669 | 6071030.8522360055 | 16483082.002123505 | 28081861.429895725 | 0 | 0 | 1663671 | 1663671 | 29745532.429895725
Avoirs dans les banques locales | 0 | 0 | 202932.916117776 | 33131 | 38049.71 | 0 | 274113.62611777603 | 37516.80341728182 | 37516.80341728182 | 0 | 0 | 311630.42953505786
Autres liquidités | 2981789 | 25612.42068 | 13358.27329072 | 223429 | 109044.42199636542 | 1037844.385061072 | 4391077.501028157 | 30508.065189876783 | 30508.065189876783 | 33013 | 33013 | 4454598.566218033
38188899 | 1794055.3187199999 | 19807377.944483478 | 20095896 | 56047471.763141 | 86224361.91571261 | 222158061.9420571 | 1534466.1628452102 | 1534466.1628452102 | 5788712 | 5788712 | 229481240.10490233
Bons B.R.H. | 0 | 0 | 0 | 0 | 4650000 | 0 | 4650000 | 0 | 0 | 0 | 0 | 4650000
Bons du Trésor / M.E.F. | 19600000 | 1535000 | 0 | 0 | 0 | 6600000 | 27735000 | 0 | 0 | 0 | 0 | 27735000
Autres Placements | 12998641 | 0 | 1769858.6105526001 | 3357381 | 20505914.818776727 | 30908312.39408446 | 69540107.82341379 | 1763894.8665412134 | 1763894.8665412134 | 0 | 0 | 71304002.689955
Portefeuille net | 25738268 | 260731.6043439199 | 12773712.303171996 | 11666673 | 36733519.47497157 | 34423104.60172 | 121596008.98420748 | 4701779.61812649 | 4701779.61812649 | 402861 | 402861 | 126700649.60233398
Immobilisations | 2612224 | 348470.61344 | 1007955.30115 | 1023609 | 3994726.3280400005 | 2952124.6300799996 | 11939109.87271 | 684566.2632500001 | 684566.2632500001 | 273410 | 273410 | 12897086.135960001
Autres actifs | 2548828 | 895144.44002 | 861449.5900385759 | 906720 | 5150484.842023202 | 2853152.120631112 | 13215778.99271289 | 1117215.4521721243 | 1117215.4521721243 | 51373 | 51373 | 14384367.444885015
101686860 | 4833401.97652392 | 36220353.74939665 | 37050279 | 127082117.22695251 | 163961055.66222817 | 470834067.6151013 | 9801922.362935038 | 9801922.362935038 | 6516356 | 6516356 | 487152345.9780363
PASSIF
Dépôts
À vue | 37575563 | 1797094.00916 | 12251783.405626815 | 13597298 | 48286245.059117734 | 63339478.70831988 | 176847462.18222442 | 2678426.2549199997 | 2678426.2549199997 | 4634997 | 4634997 | 184160885.43714443
Épargne | 26352639 | 514619.75049999997 | 6191614.850486759 | 6998009 | 33718779.982193656 | 56969651.78774321 | 130745314.37092364 | 864430.41435 | 864430.41435 | 551248 | 551248 | 132160992.78527364
À terme | 10650744 | 1693887.7935600001 | 10885258.187532272 | 8795600 | 20791104.96396315 | 21938466.485086612 | 74755061.43014205 | 2846601.15379 | 2846601.15379 | 4420 | 4420 | 77606082.58393204
74578946 | 4005601.55322 | 29328656.443645846 | 29390907 | 102796130.00527453 | 142247596.9811497 | 382347837.9832901 | 6389457.823059999 | 6389457.823059999 | 5190665 | 5190665 | 393927960.8063501
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 3061249 | 230283.7609 | 1265621.1379701518 | 1827918 | 5222793.938547746 | 3690150.8128693495 | 15298016.650287246 | 188150.7885544709 | 188150.7885544709 | 742646 | 742646 | 16228813.438841717
3061249 | 230283.7609 | 1265621.1379701518 | 1827918 | 5222793.938547746 | 3690150.8128693495 | 15298016.650287246 | 188150.7885544709 | 188150.7885544709 | 742646 | 742646 | 16228813.438841717
Obligations à terme
Banques locales | 9257631 | 0 | 1892320.41873 | 590103 | 5061018.88855 | 2153610.26841 | 18954683.57569 | 1764506.13334 | 1764506.13334 | 0 | 0 | 20719189.709030002
Banque à l'étranger | 0 | 0 | 0 | 0 | 594.5295070832163 | 0 | 594.5295070832163 | 0 | 0 | 0 | 0 | 594.5295070832163
Autres | 5079437 | 925422.71412 | 428113.61554739997 | 148530 | 887969.4193710614 | 1546674.3964120797 | 9016147.14545054 | 261955.67809 | 261955.67809 | 93454 | 93454 | 9371556.82354054
14337068 | 925422.71412 | 2320434.0342774 | 738633 | 5949582.837428144 | 3700284.6648220797 | 27971425.250647623 | 2026461.81143 | 2026461.81143 | 93454 | 93454 | 30091341.062077627
Autres passifs | 1182377 | 18644.63342 | 345098.001026392 | 1333786 | 3588483.938748057 | 1703685.719985736 | 8172075.293180184 | 381036.4135697231 | 381036.4135697231 | 0 | 0 | 8553111.706749907
93159640 | 5179952.66166 | 33259809.616919793 | 33291244 | 117556990.71999848 | 151341718.17882684 | 433789355.1774051 | 8985106.836614193 | 8985106.836614193 | 6026765 | 6026765 | 448801227.0140193
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 726186.76157 | 810000 | 3000000 | 6301937.5 | 14003124.26157 | 300000 | 300000 | 103837 | 103837 | 14406961.26157
Réserves | 1987831 | 126300.688 | 289284.22173 | 589002 | 1754893.60196 | 1813291.28815 | 6560602.7998399995 | 302502.72941 | 302502.72941 | 59288 | 59288 | 6922393.52925
Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Surplus d'apport | 0 | 187425 | 1158324.6613599998 | 1384 | 0 | 0 | 1347133.6613599998 | 0 | 0 | 0 | 0 | 1347133.6613599998
BNR | 3539389 | -825276.37308 | 786748.48477 | 2358649 | 4770232.904959999 | 4504108.6952 | 15133851.711849999 | 214312.79697 | 214312.79697 | 326466 | 326466 | 15674630.50882
8527220 | -346550.6850800001 | 2960544.1294299997 | 3759035 | 9525126.506919999 | 12619337.48335 | 37044712.43462 | 816815.52638 | 816815.52638 | 489591 | 489591 | 38351118.960999995
101686860 | 4833401.97658 | 36220353.7463498 | 37050279 | 127082117.22691847 | 163961055.66217685 | 470834067.61202514 | 9801922.362994194 | 9801922.362994194 | 6516356 | 6516356 | 487152345.97501934
Hors-bilan
Effets à l'encaissement | 1128243 | 0 | 0 | 0 | 23410.28661268 | 3215.593571724 | 1154868.8801844039 | 0 | 0 | 0 | 0 | 1154868.8801844039
Crédit documentaire | 0 | 0 | 0 | 0 | 1720748.655919656 | 1575298.6477150558 | 3296047.3036347115 | 0 | 0 | 0 | 0 | 3296047.3036347115
Autres | 5241174 | 200624.880501232 | 2995598.933721352 | 256815 | 9002204.443583364 | 1881070.6299394798 | 19577487.887745425 | 634402.39887 | 634402.39887 | 764944.91811 | 764944.91811 | 20976835.204725422
Portefeuille brut | 28951353 | 1216523.44172392 | 13504594.267226227 | 11900877 | 38616517.95938 | 35347031.11543 | 129536896.78376015 | 4883871.5275 | 4883871.5275 | 402861 | 402861 | 134823629.31126013
Provisions pour créances douteuses | 3213085 | 955791.83738 | 730881.9640542297 | 234204 | 1882998.4844084287 | 923926.5137100001 | 7940887.799552659 | 182091.9093735097 | 182091.9093735097 | 0 | 0 | 8122979.708926168
Portefeuille de crédit improductif | 4767143 | 961910.6279238878 | 315390.232628392 | 125799 | 1313896 | 241394.99680000002 | 7725533.85735228 | 273397.51744 | 273397.51744 | 0 | 0 | 7998931.37479228
Dépôts US convertis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Immobilisation /A | 0.30633946350627755 | -1.0055401083958517 | 0.3404628531391167 | 0.2723063232983997 | 0.4193882700810151 | 0.23393657820587205 | 0.3222891767288319 | 0.8380916389822948 | 0.8380916389822948 | 0.5584457230627197 | 0.5584457230627197 | 0.3362896959818904
Liquidité en % de l'actif | 0.568302522076107 | 0.6887602841413546 | 0.5468576613449951 | 0.5423952677927203 | 0.4776240204964718 | 0.5661366447099342 | 0.5406215893242068 | 0.15654747161104196 | 0.15654747161104196 | 0.8883357508398866 | 0.8883357508398866 | 0.5375448610006465
Liquidité en % des dépôts | 0.7748688081486161 | 0.8310999670059189 | 0.6753591997145445 | 0.6837453502200528 | 0.5904645608742914 | 0.6525548683118595 | 0.6657368936219316 | 0.24015592642418182 | 0.24015592642418182 | 1.1152158731106707 | 1.1152158731106707 | 0.6647566716738658
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 86224361.91571261 | SOGEBK | 4650000 | SOGEBK | 36733519.47497157 | UNIBK | 12619337.48335
SOGEBK | 56047471.763141 | BNC | 0 | UNIBK | 34423104.60172 | SOGEBK | 9525126.506919999
BNC | 38188899 | UNIBK | 0 | BNC | 25738268 | BNC | 8527220
CAPITALBK | 20095896 | BPH | 0 | BUH | 12773712.303171996 | CAPITALBK | 3759035
BUH | 19807377.944483478 | BUH | 0 | CAPITALBK | 11666673 | BUH | 2960544.1294299997
CBNA | 5788712 | CAPITALBK | 0 | SOGEBL | 4701779.61812649 | SOGEBL | 816815.52638
BPH | 1794055.3187199999 | CBNA | 0 | CBNA | 402861 | CBNA | 489591
SOGEBL | 1534466.1628452102 | SOGEBL | 0 | BPH | 260731.6043439199 | BPH | -346550.6850800001
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanars 21]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 MARS 2021
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 4516936 | 407557.91194 | 863244.252048954 | 1103010 | 6960627.265110001 | 4191196.368089582 | 18042571.79718854 | 72513.06816 | 72513.06816 | 96904 | 96904 | 18211988.86534854
Avoirs à la BRH | 28943329 | 1126165.2066799998 | 15740903.224716257 | 12466609 | 39876738.409260005 | 56036509.91823475 | 154190254.75889102 | 1206318.49318 | 1206318.49318 | 3311406 | 3311406 | 158707979.25207102
Avoirs à l'étranger | 2834991 | 0 | 740065.2621599999 | 4533255 | 8483876.18548 | 13210595.509980377 | 29802782.957620375 | 0 | 0 | 735391 | 735391 | 30538173.957620375
Avoirs dans les banques locales | 0 | 0 | 192819.799753812 | 15816 | 8444.185 | 0 | 217079.984753812 | 379483.6174 | 379483.6174 | 0 | 0 | 596563.602153812
Autres liquidités | 298480.1 | 194839.71314 | 551.27077484 | 385520 | 117463.86061 | 930514.539565516 | 1927369.4840903562 | 33432.71423 | 33432.71423 | 52900 | 52900 | 2013702.1983203562
36593736.1 | 1728562.83176 | 17537583.809453864 | 18504210 | 55447149.90546001 | 74368816.33587022 | 204180058.98254412 | 1691747.89297 | 1691747.89297 | 4196601 | 4196601 | 210068407.87551412
Bons B.R.H. | 400000 | 50000 | 0 | 0 | 5500000 | 200000 | 6150000 | 0 | 0 | 0 | 0 | 6150000
Bons du Trésor / M.E.F. | 18800000 | 1490000 | 0 | 0 | 0 | 8400000 | 28690000 | 0 | 0 | 0 | 0 | 28690000
Autres Placements | 11152298.899999999 | 0 | 2563469.619547214 | 2883158 | 15552962.68332 | 25141827.166812636 | 57293716.36967985 | 1332107.52007 | 1332107.52007 | 0 | 0 | 58625823.889749855
Portefeuille net | 20526808.57988 | 207894.26791 | 12543693.808664879 | 10234346 | 33648881.86866 | 32903482.135870002 | 110065106.66098487 | 4398483.662250001 | 4398483.662250001 | 373139 | 373139 | 114836729.32323487
Immobilisations | 2394760.5694199996 | 342286.7104 | 1021465.7187300001 | 985507 | 4805029.25115 | 2907214.55578 | 12456263.80548 | 686773.2420300001 | 686773.2420300001 | 279226 | 279226 | 13422263.04751
Autres actifs | 2426548.4 | 805020.26574 | 756627.579793936 | 882857 | 4235468.611629999 | 2742110.400433938 | 11848632.257597875 | 962442.27093 | 962442.27093 | 45215 | 45215 | 12856289.528527874
92294152.5493 | 4623764.075809999 | 34422840.5361899 | 33490078 | 119189492.32022001 | 146663450.5947668 | 430683778.07628673 | 9071554.588250002 | 9071554.588250002 | 4894181 | 4894181 | 444649513.5645367
PASSIF
Dépôts
À vue | 35345460 | 1760802.7404699998 | 12526916.214018159 | 12775608 | 45863324.853495255 | 53795889.37218051 | 162068001.18016392 | 2355576.31807 | 2355576.31807 | 3221231 | 3221231 | 167644808.4982339
Épargne | 24448797 | 466116.14359 | 5564592.726639216 | 5998241 | 30440590.119239174 | 49752284.456911534 | 116670621.44637993 | 806115.9736299999 | 806115.9736299999 | 466943 | 466943 | 117943680.42000993
À terme | 10618772 | 1558424.34246 | 9603673.44998699 | 7811417 | 18439515.668359984 | 20781559.81183163 | 68813362.2726386 | 2634732.06865 | 2634732.06865 | 4259 | 4259 | 71452353.3412886
70413029 | 3785343.22652 | 27695182.390644364 | 26585266 | 94743430.6410944 | 124329733.64092368 | 347551984.8991825 | 5796424.36035 | 5796424.36035 | 3692433 | 3692433 | 357040842.25953245
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 3224616.99998 | 225530.30306 | 1219943.207967682 | 1528951 | 6558547.559669999 | 3223794.220414256 | 15981383.291091938 | 195684.62355 | 195684.62355 | 665599 | 665599 | 16842666.91464194
3224616.99998 | 225530.30306 | 1219943.207967682 | 1528951 | 6558547.559669999 | 3223794.220414256 | 15981383.291091938 | 195684.62355 | 195684.62355 | 665599 | 665599 | 16842666.91464194
Obligations à terme
Banques locales | 4354353 | 0 | 1940677.72044 | 598365 | 4945455.73073 | 3393646.73628 | 15232498.187450001 | 1740629.7053899998 | 1740629.7053899998 | 0 | 0 | 16973127.89284
Banque à l'étranger | 0 | 0 | 0 | 0 | 522.65291 | 0 | 522.65291 | 0 | 0 | 0 | 0 | 522.65291
Autres | 4565894 | 923408.6272100001 | 346663.30235777225 | 96103 | 661799.0999100001 | 1591285.362765698 | 8185153.392243471 | 272137.32299 | 272137.32299 | 66790 | 66790 | 8524080.715233471
8920247 | 923408.6272100001 | 2287341.022797772 | 694468 | 5607777.48355 | 4984932.099045698 | 23418174.23260347 | 2012767.0283799998 | 2012767.0283799998 | 66790 | 66790 | 25497731.260983475
Autres passifs | 983859.5 | 20659.08976 | 316458.323847368 | 1219262 | 3423300.6486799996 | 1673311.220281824 | 7636850.782569192 | 276639.75591000007 | 276639.75591000007 | 0 | 0 | 7913490.538479192
83541752.49998 | 4954941.246549999 | 31518924.945257187 | 30027947 | 110333056.3329944 | 134211771.18066545 | 394588393.205447 | 8281515.768189999 | 8281515.768189999 | 4424822 | 4424822 | 407294730.97363704
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 726186.76157 | 810000 | 3000000 | 6321512.5 | 14022699.26157 | 300000 | 300000 | 103837 | 103837 | 14426536.26157
Réserves | 2537262 | 126300.688 | 289284.22173 | 589002 | 1754893.60196 | 1809132.6468700003 | 7105875.15856 | 302502.72941 | 302502.72941 | 59288 | 59288 | 7467665.8879700005
Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000
Surplus d'apport | 0 | 187425 | 1158324.6613599998 | 1384 | 0 | 0 | 1347133.6613599998 | 0 | 0 | 0 | 0 | 1347133.6613599998
BNR | 2987138 | -809902.85874 | 730119.94443 | 2061745 | 4101542.38526 | 4321034.2707899995 | 13391676.74174 | 187536.09068 | 187536.09068 | 306234 | 306234 | 13885446.832419999
8752400 | -331177.1707400001 | 2903915.58909 | 3462131 | 8856435.98722 | 12451679.41766 | 36095384.82323 | 790038.82009 | 790038.82009 | 469359 | 469359 | 37354782.643319994
92294152.49998 | 4623764.075809999 | 34422840.534347184 | 33490078 | 119189492.3202144 | 146663450.59832546 | 430683778.0286771 | 9071554.58828 | 9071554.58828 | 4894181 | 4894181 | 444649513.61695707
Hors-bilan
Effets à l'encaissement | 993966 | 0 | 0 | 0 | 34978.44685 | 5140.712637115999 | 1034085.1594871159 | 0 | 0 | 0 | 0 | 1034085.1594871159
Crédit documentaire | 85866 | 0 | 0 | 0 | 1480843.83553 | 1549448.335484694 | 3116158.171014694 | 0 | 0 | 0 | 0 | 3116158.171014694
Autres | 4676674.3 | 191616.531140892 | 2018998.933735124 | 70770 | 8815877.07868 | 1265676.4314339058 | 17039613.27498992 | 547150.24682 | 547150.24682 | 681370.18012 | 681370.18012 | 18268133.70192992
Portefeuille brut | 23136740.57988 | 1149374.0219899998 | 13201246.458100874 | 10440401 | 35347311.53701 | 33719899.51148 | 116994973.10846087 | 4567141.673830001 | 4567141.673830001 | 373139 | 373139 | 121935253.78229088
Provisions pour créances douteuses | 2609932 | 941479.75408 | 657552.6494359953 | 206055 | 1698429.66835 | 816417.37561 | 6929866.447475996 | 168658.01158000002 | 168658.01158000002 | 0 | 0 | 7098524.459055996
Portefeuille de crédit improductif | 5607632 | 951943.21513952 | 306783.73881187005 | 139171 | 1148261 | 213878.04775000003 | 8367669.00170139 | 308192.4389 | 308192.4389 | 0 | 0 | 8675861.44060139
Dépôts US convertis | 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475048 | 412709271.83617276 | 6588415.691060001 | 6588415.691060001 | 4546592 | 4546592 | 423844279.52723277
Immobilisation /A | 0.27361187439102413 | -1.0335456083376042 | 0.35175461799497304 | 0.28465329590359234 | 0.5425466020511801 | 0.23347971452403027 | 0.3450929770241289 | 0.8692905013854432 | 0.8692905013854432 | 0.5949092272652703 | 0.5949092272652703 | 0.35931846199378836
Liquidité en % de l'actif | 0.6045208126289163 | 0.7069051919971516 | 0.5094752070508536 | 0.5525281248971711 | 0.511346669232524 | 0.5657088797475128 | 0.5549780863587731 | 0.18648930307504832 | 0.18648930307504832 | 0.8574674700424851 | 0.8574674700424851 | 0.5507897802748141
Liquidité en % des dépôts | 0.7923780143018702 | 0.8634785899626083 | 0.6332359022621273 | 0.6960325317038393 | 0.6432862890128928 | 0.667328835236567 | 0.6877246264379091 | 0.2918606002249029 | 0.2918606002249029 | 1.1365408661443552 | 1.1365408661443552 | 0.6859394749508533
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 74368816.33587022 | SOGEBK | 5500000 | SOGEBK | 33648881.86866 | UNIBK | 12451679.41766
SOGEBK | 55447149.90546001 | BNC | 400000 | UNIBK | 32903482.135870002 | SOGEBK | 8856435.98722
BNC | 36593736.1 | UNIBK | 200000 | BNC | 20526808.57988 | BNC | 8752400
CAPITALBK | 18504210 | BPH | 50000 | BUH | 12543693.808664879 | CAPITALBK | 3462131
BUH | 17537583.809453864 | BUH | 0 | CAPITALBK | 10234346 | BUH | 2903915.58909
CBNA | 4196601 | CAPITALBK | 0 | SOGEBL | 4398483.662250001 | SOGEBL | 790038.82009
BPH | 1728562.83176 | CBNA | 0 | CBNA | 373139 | CBNA | 469359
SOGEBL | 1691747.89297 | SOGEBL | 0 | BPH | 207894.26791 | BPH | -331177.1707400001
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbandec. 20 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 DECEMBRE 2020
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 4318049 | 293540.17509000003 | 1204198.3468017601 | 1023919 | 5180829.49403 | 3180126.2272822047 | 15200662.243203964 | 70576.45422 | 70576.45422 | 97877 | 97877 | 15369115.697423965
Avoirs à la BRH | 25563296 | 1295392.53614 | 12093890.328258434 | 10005820 | 35180582.071940005 | 50484407.69790576 | 134623388.6342442 | 963290.8987499999 | 963290.8987499999 | 3183793 | 3183793 | 138770472.5329942
Avoirs à l'étranger | 2301664 | 0 | 935719.959600645 | 4412510 | 8292205.11576 | 11163275.75952845 | 27105374.834889095 | 0 | 0 | 701042 | 701042 | 27806416.834889095
Avoirs dans les banques locales | 0 | 0 | 53134.82794637 | 12530 | 8978.31 | 0 | 74643.13794637 | 462716.88632 | 462716.88632 | 0 | 0 | 537360.02426637
Autres liquidités | 274583 | 47550.21082 | 4735.585006900001 | 138589 | 85389.44524 | 510792.882273153 | 1061640.123340053 | 15882.60759 | 15882.60759 | 61882 | 61882 | 1139404.730930053
32457592 | 1636482.92205 | 14291679.047614109 | 15593368 | 48747984.43697 | 65338602.56698956 | 178065708.97362366 | 1512466.8468799999 | 1512466.8468799999 | 4044594 | 4044594 | 183622769.82050368
Bons B.R.H. | 1200000 | 262000 | 0 | 0 | 5400000 | 0 | 6862000 | 0 | 0 | 0 | 0 | 6862000
Bons du Trésor / M.E.F. | 16575000 | 1353000 | 0 | 0 | 0 | 6150000 | 24078000 | 0 | 0 | 0 | 0 | 24078000
Autres Placements | 10070479.599999998 | 0 | 3059206.855704175 | 3229027 | 13941268.914980002 | 23162173.45331397 | 53462155.823998146 | 987402.21257 | 987402.21257 | 0 | 0 | 54449558.03656814
Portefeuille net | 19549731.77216 | 187417.68650999997 | 12270296.6641153 | 8701248 | 32360495.203840006 | 31697850.02548 | 104767039.3521053 | 4268503.9781599995 | 4268503.9781599995 | 357284 | 357284 | 109392827.3302653
Immobilisations | 2394600.1709399996 | 344651.1947 | 1021809.9788599999 | 817598 | 5033277.64147 | 2897608.3141799998 | 12509545.30015 | 685748.53338 | 685748.53338 | 285472 | 285472 | 13480765.83353
Autres actifs | 1962897 | 737976.45755 | 415341.37857113325 | 672526 | 4077962.95192 | 2367048.244026505 | 10233752.032067638 | 867207.40533 | 867207.40533 | 47561 | 47561 | 11148520.437397638
84210300.54309998 | 4521528.26081 | 31058333.924864713 | 29013767 | 109560989.14918001 | 131613282.60399006 | 389978201.48194474 | 8321328.9763199985 | 8321328.9763199985 | 4734911 | 4734911 | 403034441.35826474
PASSIF
Dépôts
À vue | 31572908.477520335 | 1718615.2637500004 | 10869961.247670215 | 11144867 | 40933024.639821835 | 49337867.84780517 | 145577244.47656757 | 2039309.4687199998 | 2039309.4687199998 | 3070934 | 3070934 | 150687487.94528756
Épargne | 21803075 | 457332.06588 | 4806676.181605015 | 5191853 | 27353107.03479497 | 43191964.21237123 | 102804007.49465121 | 753572.6335700001 | 753572.6335700001 | 463865 | 463865 | 104021445.12822121
À terme | 10521382 | 1508405.3519000001 | 8711242.997247435 | 6566345 | 17223153.080456473 | 19131711.935983494 | 63662240.3655874 | 2250339.8013400002 | 2250339.8013400002 | 4258 | 4258 | 65916838.1669274
63897365.47752033 | 3684352.6815300006 | 24387880.426522665 | 22903065 | 85509284.75507328 | 111661543.9961599 | 312043492.3368062 | 5043221.90363 | 5043221.90363 | 3539057 | 3539057 | 320625771.2404362
Obligations à vue
Banques locales | 0 | 0 | 0 | 150000 | 0 | 0 | 150000 | 0 | 0 | 0 | 0 | 150000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2210533 | 208045.22211000003 | 1212291.2275815401 | 1049497 | 6147337.6683600005 | 3375855.825249342 | 14203559.943300882 | 159132.8644999999 | 159132.8644999999 | 648169 | 648169 | 15010861.807800882
2210533 | 208045.22211000003 | 1212291.2275815401 | 1199497 | 6147337.6683600005 | 3375855.825249342 | 14353559.943300882 | 159132.8644999999 | 159132.8644999999 | 648169 | 648169 | 15160861.807800882
Obligations à terme
Banques locales | 4223247 | 0 | 1989035.02215 | 610759 | 4996045.17184 | 2733683.2041499997 | 14552769.398139998 | 1753987.78661 | 1753987.78661 | 0 | 0 | 16306757.184749998
Banque à l'étranger | 0 | 0 | 0 | 0 | 471.13302000000004 | 0 | 471.13302000000004 | 0 | 0 | 0 | 0 | 471.13302000000004
Autres | 4420466 | 921136.55026 | 165227.964999355 | 83079 | 691012.4014900001 | 696630.2493607949 | 6977552.1661101505 | 247482.04515000002 | 247482.04515000002 | 84854 | 84854 | 7309888.21126015
8643713 | 921136.55026 | 2154262.987149355 | 693838 | 5687528.70635 | 3430313.453510795 | 21530792.697270148 | 2001469.83176 | 2001469.83176 | 84854 | 84854 | 23617116.529030148
Autres passifs | 1019180 | 22264.03391 | 288059.84885699 | 726047 | 3231768.6579099996 | 1281150.409685595 | 6568469.950362585 | 251688.19410000002 | 251688.19410000002 | 0 | 0 | 6820158.1444625845
75770791.47752033 | 4835798.487810001 | 28042494.490110546 | 25522447 | 100575919.78769328 | 119748863.68460563 | 354496314.92773974 | 7455512.793989999 | 7455512.793989999 | 4272080 | 4272080 | 366223907.72172976
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 726311.76157 | 810000 | 3000000 | 6322075 | 14023386.76157 | 300000 | 300000 | 103837 | 103837 | 14427223.76157
Réserves | 1148549 | 126300.688 | 222839.40772999998 | 362874 | 1754893.6018700004 | 2079900.0328799998 | 5695356.73048 | 302502.72959999996 | 302502.72959999996 | 59288 | 59288 | 6057147.460080001
Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000
Surplus d'apport | 0 | 187425 | 1159346.97086 | 1384 | 0 | 0 | 1348155.97086 | 0 | 0 | 0 | 0 | 1348155.97086
BNR | 4062960 | -792995.915 | 907341.2967700001 | 2317062 | 4230175.759689999 | 3462443.8872599998 | 14186987.028719997 | 263313.45255 | 263313.45255 | 299706 | 299706 | 14750006.481269997
8439509 | -314270.2270000001 | 3015839.43693 | 3491320 | 8985069.361559998 | 11864418.92014 | 35481886.491629995 | 865816.18215 | 865816.18215 | 462831 | 462831 | 36810533.673779994
84210300.47752033 | 4521528.260810001 | 31058333.927040547 | 29013767 | 109560989.14925328 | 131613282.60474563 | 389978201.4193698 | 8321328.976139999 | 8321328.976139999 | 4734911 | 4734911 | 403034441.39550984
Hors-bilan
Effets à l'encaissement | 897957.2 | 0 | 0 | 0 | 28691.52546 | 4168.475612863 | 930817.201072863 | 0 | 0 | 0 | 0 | 930817.201072863
Crédit documentaire | 77573.3 | 0 | 0 | 0 | 1398947.7501700001 | 1225559.652158655 | 2702080.702328655 | 0 | 0 | 0 | 0 | 2702080.702328655
Autres | 4388082.1 | 181800.15070819 | 2721752.42022182 | 210415 | 8740937.563310003 | 905028.275034035 | 17148015.509274047 | 478427.62514 | 478427.62514 | 623484.92686 | 623484.92686 | 18249928.061274048
Portefeuille brut | 21956998.77216 | 1112945.52394 | 12807101.244374536 | 9009453 | 33835944.831870005 | 32589651.6021 | 111312094.97444454 | 4426131.736409999 | 4426131.736409999 | 357284 | 357284 | 116095510.71085453
Provisions pour créances douteuses | 2407267 | 925527.83743 | 536804.580259235 | 308205 | 1475449.62803 | 891801.57662 | 6545055.622339236 | 157627.75825 | 157627.75825 | 0 | 0 | 6702683.380589236
Portefeuille de crédit improductif | 3409230 | 907341.331572175 | 218354.462552695 | 85794 | 1184335 | 265958.4485 | 6071013.24262487 | 165377.46797 | 165377.46797 | 0 | 0 | 6236390.710594869
Dépôts US convertis | 36013707 | 2368688.90766 | 21574269.326940157 | 23349153 | 76553000.91412212 | 111841687.02080046 | 271700506.16952276 | 5140174.9410500005 | 5140174.9410500005 | 3481039 | 3481039 | 280321720.11057276
Immobilisation /A | 0.28373690589582873 | -1.0966714791598757 | 0.3388144495849422 | 0.23418019545615984 | 0.5601823913573124 | 0.24422673657125116 | 0.35256144858873106 | 0.7920255448184684 | 0.7920255448184684 | 0.6167953313412455 | 0.6167953313412455 | 0.3662203311964558
Liquidité en % de l'actif | 0.596513629283276 | 0.7191114894121042 | 0.4601560110142438 | 0.5374472056661929 | 0.49422686722224857 | 0.5431716400698776 | 0.5359420300401079 | 0.18175784795722244 | 0.18175784795722244 | 0.8542069745344738 | 0.8542069745344738 | 0.5323683234053312
Liquidité en % des dépôts | 0.7861449627007279 | 0.8825113128691462 | 0.5860156273388734 | 0.6808419746440051 | 0.6332409935607302 | 0.640225811040622 | 0.6697967241952029 | 0.2999009117150605 | 0.2999009117150605 | 1.1428451138255191 | 1.1428451138255191 | 0.669200011559906
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 65338602.56698956 | SOGEBK | 5400000 | SOGEBK | 32360495.203840006 | UNIBK | 11864418.92014
SOGEBK | 48747984.43697 | BNC | 1200000 | UNIBK | 31697850.02548 | SOGEBK | 8985069.361559998
BNC | 32457592 | BPH | 262000 | BNC | 19549731.77216 | BNC | 8439509
CAPITALBK | 15593368 | UNIBK | 0 | BUH | 12270296.6641153 | CAPITALBK | 3491320
BUH | 14291679.047614109 | BUH | 0 | CAPITALBK | 8701248 | BUH | 3015839.43693
CBNA | 4044594 | CAPITALBK | 0 | SOGEBL | 4268503.9781599995 | SOGEBL | 865816.18215
BPH | 1636482.92205 | CBNA | 0 | CBNA | 357284 | CBNA | 462831
SOGEBL | 1512466.8468799999 | SOGEBL | 0 | BPH | 187417.68650999997 | BPH | -314270.2270000001
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[sysratfinclé.mars 15 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 31 mars 2015 | 0.07247063166493371 | 0.027728771476712124 | 0.06180543673912304 | 0.08605024373713359 | 0.07199883558162791 | 0.10050115515958631 | 0.08187108182546783 | 0.07303822029155015 | 0.07303822029155015 | 0.051270153771969744 | 0.05017031935932962 | 0.0508153203297936 | 0.07947938312879163
Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679
Dépôts en % de l'actif
Au 31 mars 2015 | 0.7965701684725821 | 0.8450861658054181 | 0.8477810454259005 | 0.8539591780274732 | 0.8227397612852716 | 0.8223934739208267 | 0.8193301710495033 | 0.7182307495598217 | 0.7182307495598217 | 0.7374898371732286 | 0.8666066289754932 | 0.7908857249389082 | 0.8141797460896701
Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 mars 2015 | 0.05587345366272378 | 0.4021111282724963 | 0.024823251362599566 | 0.0064779542679581185 | 0.07264890090241163 | 0.004207954369586466 | 0.04280421588682717 | 0.05546927219093787 | 0.05546927219093787 | 0.03523722497879305 | 0.06571153940084287 | 0.052835138986271006 | 0.04396700004793931
Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.02138304931574691 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 mars 2015 | 0.5362472247283342 | 0.8809161634254901 | 0.8096635787982053 | 1.2256327865155872 | 0.49092749859856877 | 1.440376428785782 | 0.629807228318665 | 0.36906303919177813 | 0.36906303919177813 | 0 | 0.5315905361625738 | 0.43124496373892024 | 0.6007773749138591
Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 mars 2015 | 0.07963858758031334 | 0.7504594042992615 | 0.03581428515696819 | -0.007687063071368211 | 0.188005634656849 | -0.007028156754006801 | 0.06690149418244275 | 0.25844036233846057 | 0.25844036233846057 | 0.11136833821367445 | 0.23368445357131612 | 0.1613097669741492 | 0.07660504691880167
Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 2 2015 (janvier - mars 2015) | 0.015771217285552638 | -0.011718490495650026 | 0.02189202604528634 | 0.029669980927950295 | 0.013177200501023138 | 0.02851417645806862 | 0.01812660270793836 | 0.01431913067201819 | 0.01431913067201819 | 0.010919804465693095 | 0.009830761238872016 | 0.010429351598012913 | 0.01749756367008322
TRIM 2 2014 (janvier - mars 2014) | 0.009550026160036789 | -0.00937151040711154 | -0.01047850009389995 | 0.01942826359963237 | 0.0069249591431309 | 0.02906011203983928 | 0.015072541408737011 | 0.014940139508983591 | 0.014940139508983591 | 0.00258578103666161 | 0.006340200146581622 | 0.004575176685514103 | 0.01440365359604406
CUMUL 2015 (octobre 2014 - mars 2015) | 0.015722305767765257 | -0.006994419762272569 | 0.01655039275990244 | 0.027189381610516913 | 0.006573622213878641 | 0.025427424271113122 | 0.016770869521095452 | 0.014044399583162195 | 0.014044399583162195 | 0.010383671644038275 | 0.012987982788378516 | 0.0115123490406778 | 0.0163332807226659
CUMUL 2014 (octobre 2013 - mars 2014) | 0.010392318600126956 | -0.00011049232563235361 | -0.0017190810050276254 | 0.020416866742206986 | 0.007683980059401221 | 0.023732268852096464 | 0.014237955481915303 | 0.012544878255944603 | 0.012544878255944603 | 0.009466201696793046 | 0.004563175784588311 | 0.006920080730948116 | 0.013736288290721512
ROE (rendement de l'avoir des actionn.)
TRIM 2 2015 (janvier - mars 2015) | 0.2148309985332163 | -0.34447499706359874 | 0.3902456962425636 | 0.3424225150801011 | 0.09332790747403555 | 0.28692960027358755 | 0.2219384112789202 | 0.18647133528335247 | 0.18647133528335247 | 0.19601651869292486 | 0.2082144481083267 | 0.2010155624095763 | 0.21995443223836547
TRIM 2 2014 (janvier - mars 2014) | 0.14400119978241888 | -0.1652853779774771 | -0.21895151492264497 | 0.23374718621826626 | 0.09332131407675243 | 0.30152666612404816 | 0.19040952476323533 | 0.15034044954381628 | 0.15034044954381628 | 0.05264348062050563 | 0.14411292835343134 | 0.09776919764631971 | 0.18559614577682676
CUMUL 2015 (octobre 2014 - mars 2015) | 0.2238334899670998 | -0.19971467015041114 | 0.2842697153789087 | 0.31934651678817877 | 0.09106451567250241 | 0.26332203961987033 | 0.21006263810893278 | 0.18154629478900217 | 0.18154629478900217 | 0.20097607032809997 | 0.2826919736400284 | 0.23405626820651934 | 0.21022029610279883
CUMUL 2014 (octobre 2013 - mars 2014) | 0.1622093922262499 | -0.0019287445616628198 | -0.03562488251347787 | 0.24932516566962185 | 0.10553131359326963 | 0.2546154279463448 | 0.1847190814751632 | 0.12874114169093442 | 0.12874114169093442 | 0.20021388019563746 | 0.10159845832024336 | 0.15026839386683535 | 0.18157746446154233
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 2 2015 (janvier - mars 2015) | 0.9005576885014279 | 0.7835357038234821 | 0.8773262362716712 | 0.8970324064094273 | 0.8437572088069144 | 0.8605594894130195 | 0.8693153225839981 | 0.6715630893517912 | 0.6715630893517912 | 0.8191849245090249 | 0.9909694032653207 | 0.9152811956065062 | 0.8622108536439683
TRIM 2 2014 (janvier - mars 2014) | 0.9275181879691887 | 0.8849406075636684 | 0.9558343093531831 | 0.9250555286068064 | 0.8914698084362648 | 0.9176759708156087 | 0.9135287019121052 | 0.654392189650229 | 0.654392189650229 | 0.9526254762299156 | 0.9842648644166183 | 0.9706954936181297 | 0.9044015282494487
CUMUL 2015 (octobre 2014 - mars 2015) | 0.9168421191148936 | 0.8294835573049971 | 0.8771046489371048 | 0.9004461059190031 | 0.843384832148663 | 0.8688142710171971 | 0.8761817518373888 | 0.6653262338271715 | 0.6653262338271715 | 0.8425549370055669 | 0.9920968164231064 | 0.9243876294786891 | 0.8688242662463537
CUMUL 2014 (octobre 2013 - mars 2014) | 0.9298947937296947 | 0.9146926870998514 | 0.9569567994675174 | 0.9267938546864883 | 0.8985916078609463 | 0.918049737557435 | 0.9174321777303901 | 0.6668892755893672 | 0.6668892755893672 | 0.9348980592727527 | 0.983288420964676 | 0.96262275069267 | 0.9089097572852997
Rendement moyen des prêts
TRIM 2 2015 (janvier - mars 2015) | 0.08014122111136185 | 0.06375459471796402 | 0.13721693394874832 | 0.14291273222458248 | 0.07852558175200942 | 0.08913569468213382 | 0.09050205540241044 | 0.09581578751511748 | 0.09581578751511748 | 0.08097774192729293 | 0.10208484805220962 | 0.09280254412347289 | 0.09088527735135987
TRIM 2 2014 (janvier - mars 2014) | 0.07507806082782871 | 0.07374185322572759 | 0.12037614990826055 | 0.12311582048763477 | 0.06555533111522362 | 0.06757127871773796 | 0.0745961555557843 | 0.08248622996883509 | 0.08248622996883509 | 0.08787875098910464 | 0.08200135748986842 | 0.08443857294228052 | 0.07554203671422424
CUMUL 2015 (octobre 2014 - mars 2015) | 0.07902185796682366 | 0.06955999263717605 | 0.12624161510146545 | 0.1390160393053372 | 0.07665401473538323 | 0.08647007285340168 | 0.08795458579400549 | 0.09018348173085504 | 0.09018348173085504 | 0.08957392392126914 | 0.0923348278155562 | 0.09120922810768992 | 0.08823478059740207
CUMUL 2014 (octobre 2013 - mars 2014) | 0.0757323559560027 | 0.08571300956119571 | 0.13820232406247224 | 0.12241812321290707 | 0.06734761526219836 | 0.06739640737751931 | 0.07589646533700663 | 0.07876580744499925 | 0.07876580744499925 | 0.09829059089116235 | 0.08162443781371893 | 0.0880343086983738 | 0.07672845239347538
Rendement moyen des prêts productifs
TRIM 2 2015 (janvier - mars 2015) | 0.08460459349616214 | 0.10837141647838269 | 0.14099188246762118 | 0.14433090882683236 | 0.0843579070792618 | 0.08941953736472633 | 0.09441838668696859 | 0.10362689899106994 | 0.10362689899106994 | 0.08233864026440688 | 0.10927815868376753 | 0.09708861835908389 | 0.09499583644792464
TRIM 2 2014 (janvier - mars 2014) | 0.07942183742135307 | 0.10387979225175298 | 0.1269040022406348 | 0.1238550402818438 | 0.07011200592210948 | 0.0677775999605375 | 0.07782785233866715 | 0.0919243803448651 | 0.0919243803448651 | 0.08787875098910464 | 0.08919161422469289 | 0.08862023995619532 | 0.07906488003982544
CUMUL 2015 (octobre 2014 - mars 2015) | 0.08319647187828108 | 0.1136571966294598 | 0.12926658575812594 | 0.13987927943444528 | 0.0806128008663464 | 0.0866880631952826 | 0.09109325728701388 | 0.09737003385204082 | 0.09737003385204082 | 0.09127183149939674 | 0.0988605600324375 | 0.09567556478819104 | 0.09162460912361743
CUMUL 2014 (octobre 2013 - mars 2014) | 0.07868543477135646 | 0.12739628935586172 | 0.15149804601874925 | 0.12325561729986595 | 0.07019898197011834 | 0.06757347774823672 | 0.07841849230362784 | 0.08618601807677369 | 0.08618601807677369 | 0.09927320802758871 | 0.08836895877246174 | 0.09274337932141483 | 0.07955890038319643
Rémunération moyenne des dépôts
TRIM 2 2015 (janvier - mars 2015) | 0.0046400941015979965 | 0.007748183609675617 | 0.009131273363631998 | 0.008285668015601303 | 0.007088097333734551 | 0.006488947650281016 | 0.0063357175715063 | 0.026954063463130843 | 0.026954063463130843 | 0.006040902767558744 | 0.00039749245231689395 | 0.0032713867658228928 | 0.0067244069978214015
TRIM 2 2014 (janvier - mars 2014) | 0.0022281779553125084 | 0.004873067972453534 | 0.0024552460812381103 | 0.005044900126702525 | 0.004229886272634966 | 0.002524481197700391 | 0.0031572463727636995 | 0.030359850224953095 | 0.030359850224953095 | 0.0015911492785004994 | 0.0006242919268011547 | 0.0010787871490298136 | 0.003594420053189268
CUMUL 2015 (octobre 2014 - mars 2015) | 0.0034943575324100653 | 0.006863873814266455 | 0.008973282838674773 | 0.007801757700112297 | 0.006838100491900367 | 0.005584533847570773 | 0.0057151276952245875 | 0.026604089602874154 | 0.026604089602874154 | 0.004673931195724783 | 0.0003272340979536125 | 0.002656011182498622 | 0.006076782883194255
CUMUL 2014 (octobre 2013 - mars 2014) | 0.0022449950692803684 | 0.0042814983409671875 | 0.0026147942766082534 | 0.0048765385202920895 | 0.003948125682052602 | 0.0025049786252711137 | 0.0030517693627513253 | 0.027269274855116724 | 0.027269274855116724 | 0.0021762948743712 | 0.0006675822975115974 | 0.001378342642276887 | 0.003451006046199966
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 2 2015 (janvier - mars 2015) | 0.5834969190824814 | 1.0015282455830778 | 0.6943413201356983 | 0.624852681889279 | 0.7263893534775501 | 0.5302681128545018 | 0.6186248944314731 | 0.5100077268799373 | 0.5100077268799373 | 0.5973815859499734 | 0.8030953702139979 | 0.6938105039355831 | 0.6204133921481786
TRIM 2 2014 (janvier - mars 2014) | 0.7023338620043865 | 0.8347920738778455 | 1.103823405632522 | 0.7171561782595318 | 0.7316862155091262 | 0.5215869819847087 | 0.6613419425031223 | 0.57742053302737 | 0.57742053302737 | 0.4939800359542057 | 0.8511851142889314 | 0.6570822622107969 | 0.6590814416023064
CUMUL 2015 (octobre 2014 - mars 2015) | 0.5878158441396769 | 0.8667964923658741 | 0.7577607547488461 | 0.6414839505499529 | 0.7304371384551767 | 0.5430093855573692 | 0.6301172312128893 | 0.5227656089590222 | 0.5227656089590222 | 0.6339319434485854 | 0.7207171568940216 | 0.6740044368369418 | 0.6301382099059023
CUMUL 2014 (octobre 2013 - mars 2014) | 0.6651584146224413 | 0.7890901515774374 | 0.9672494283562587 | 0.7041927036898277 | 0.7145745663899689 | 0.5574014052117194 | 0.6600151750246959 | 0.60593923064633 | 0.60593923064633 | 0.65577319524936 | 0.8557758910017924 | 0.7477601156069364 | 0.6642321984245352
Productivité par employé ('000)
TRIM 2 2015 (janvier - mars 2015) | 3203.7135947704282 | 788.8915745337622 | 2973.715624130757 | 2379.8926919518963 | 2107.8867167560134 | 3576.556950563193 | 2707.939282952228 | 4231.654105693432 | 4231.654105693432 | 11387.878787878788 | 3878.2690058479534 | 5969.552742616033 | 2822.1096888896473
TRIM 2 2014 (janvier - mars 2014) | 2343.8794197685947 | 1023.7078198601398 | 1710.791587469965 | 2030.1741741741741 | 2058.8034931017014 | 3322.5586378857956 | 2387.7631481223266 | 3691.8160024427475 | 3691.8160024427475 | 8672 | 3140.243093922652 | 4806.177606177606 | 2485.3635727736846
CUMUL 2015 (octobre 2014 - mars 2015) | 2961.7310002784225 | 958.372933762058 | 2625.0698114208585 | 2306.8159111933396 | 2094.6891618995182 | 3465.3254137265417 | 2614.368750958807 | 4047.744225588236 | 4047.744225588236 | 10907.522388059702 | 3562.0454545454545 | 5587.341563786008 | 2721.1640312925224
CUMUL 2014 (octobre 2013 - mars 2014) | 2476.6595885194374 | 1133.4299763380282 | 1800.4817211858658 | 1996.516 | 2001.2136067905283 | 3066.824764128181 | 2323.7690570086183 | 3521.20250944 | 3521.20250944 | 8654.78947368421 | 3111.9777777777776 | 4757.5 | 2418.6504792777387
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclédéc. 14]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 31 décembre 2014 | 0.07441205680857094 | 0.03993976408896387 | 0.05017527200186265 | 0.08723395617280141 | 0.0730820017315578 | 0.09817257959842662 | 0.08146991825074841 | 0.08074868884627064 | 0.08074868884627064 | 0.06134703578292764 | 0.04446904811824284 | 0.0530609958051227 | 0.07962523715001245
Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679
Dépôts en % de l'actif
Au 31 décembre 2014 | 0.789876541541452 | 0.8996605861182448 | 0.8340567125343711 | 0.8460375587464395 | 0.8067755355220966 | 0.8379993245123369 | 0.8184297896726818 | 0.7434230048656452 | 0.7434230048656452 | 0.7213813935820159 | 0.8520487367946366 | 0.785530914909063 | 0.813965655305315
Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 décembre 2014 | 0.04983087713195972 | 0.4214990426151619 | 0.029074616878273264 | 0.013055971452746357 | 0.06572007729066545 | 0.0021438281630590567 | 0.040173999507431155 | 0.09568204667475882 | 0.09568204667475882 | 1.3896740547298112e-05 | 0.06594121967427166 | 0.03586517043126149 | 0.04258603176072046
Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.02138304931574691 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 décembre 2014 | 0.5355822040631438 | 0.7821049285679624 | 0.46314330202924026 | 0.5196324481865285 | 0.4694713466802863 | 2.520557549197176 | 0.5914399632072127 | 0.20260584372392962 | 0.20260584372392962 | 0 | 0.571503330834618 | 0.572116438404593 | 0.5488372896692973
Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 décembre 2014 | 0.07841313225111914 | 0.9211558806144916 | 0.1282698216351657 | 0.03313749253031158 | 0.17811709151512586 | -0.013600623566944844 | 0.07330396164272232 | 0.5272138538479961 | 0.5272138538479961 | -0.00019478439161914524 | 0.22214482381882908 | 0.09128510530460046 | 0.08851962525473347
Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 1 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.0015255543790796862 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231
TRIM 1 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199022
CUMUL 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.006286571401482859 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231
CUMUL 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199022
ROE (rendement de l'avoir des actionn.)
TRIM 1 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948
TRIM 1 2014 (octobre - décembre 2013) | 0.17442378619369847 | 0.1368176887755292 | 0.19811700561928142 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444039223193 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.17413231688383354
CUMUL 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948
CUMUL 2014 (octobre - décembre 2013) | 0.17442378619369847 | 0.1368176887755292 | 0.19811700561928142 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444039223193 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.17413231688383354
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 1 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054
TRIM 1 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787
CUMUL 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054
CUMUL 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787
Rendement moyen des prêts
TRIM 1 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626
TRIM 1 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559
CUMUL 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626
CUMUL 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559
Rendement moyen des prêts productifs
TRIM 1 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229
TRIM 1 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846
CUMUL 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229
CUMUL 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846
Rémunération moyenne des dépôts
TRIM 1 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305
TRIM 1 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737
CUMUL 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305
CUMUL 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 1 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673
TRIM 1 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046
CUMUL 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673
CUMUL 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046
Productivité par employé ('000)
TRIM 1 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359
TRIM 1 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544
CUMUL 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359
CUMUL 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclésept. 14 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679
Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622
Dépôts en % de l'actif
Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442
Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.0003530517210407771 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527
Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542
Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474
Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 4 2014 (juillet - septembre 2014) | 0.004504436339437025 | 0.002855833419768662 | 0.009968332455238592 | 0.02125431884266389 | 0.011141491921435145 | 0.03240178640088492 | 0.01701062280447699 | 0.010782537021730522 | 0.010782537021730522 | 0.004983576342994076 | -0.004709689773443081 | 0.0004731436626041405 | 0.01573201148388411
TRIM 4 2013 (juillet - septembre 2013) | 0.0097 | -0.0041 | 0.0461 | 0.0168 | 0.0106 | 0.0327 | 0.0188 | 0.0162 | 0.0162 | -0.0097 | -0.0135 | -0.0116 | 0.0166
CUMUL 2014 (octobre 2013 - septembre 2014) | 0.009402594767414332 | -0.001913737079623673 | 0.002118585548914055 | 0.021077083666040275 | 0.009138060571334029 | 0.02771575027492474 | 0.015845491087009344 | 0.011331509113639653 | 0.011331509113639653 | 0.022338398949436355 | -0.0013401712624093896 | 0.010838546070714756 | 0.015398337683709466
CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0104 | 0.0129 | 0.0106 | 0.0197 | 0.0107 | 0.024 | 0.0157 | 0.013 | 0.013 | -0.0003 | 0.0147 | 0.0072 | 0.0151
ROE (rendement de l'avoir des actionn.)
TRIM 4 2014 (juillet - septembre 2014) | 0.0660981743172076 | 0.07056267018068657 | 0.1819657346248714 | 0.25166098313439694 | 0.153272882144854 | 0.3502657279145414 | 0.21860833238901453 | 0.12799582534765128 | 0.12799582534765128 | 0.09097334739726623 | -0.11066834480013193 | 0.00963776472630021 | 0.20675602610719573
TRIM 4 2013 (juillet - septembre 2013) | 0.1519 | -0.0917 | 1.3792 | 0.207 | 0.148 | 0.3768 | 0.2541 | 0.1575 | 0.1575 | -0.2394 | -0.2969 | -0.2698 | 0.2394
CUMUL 2014 (octobre 2013 - septembre 2014) | 0.1433879248856003 | -0.03405846491251682 | 0.04525205232551107 | 0.24980219847954527 | 0.1252800978873477 | 0.30630635045938825 | 0.20664954889912238 | 0.12333932071595143 | 0.12333932071595143 | 0.4570828276973791 | -0.031128200255743293 | 0.23538578805679017 | 0.20507592021219445
CUMUL 2013 (octobre 2013 - septembre 2013) | 0.179 | 0.307 | -1.0524 | 0.24 | 0.1545 | 0.283 | 0.2242 | 0.1283 | 0.1283 | -0.0062 | 0.3442 | 0.1673 | 0.2186
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 4 2014 (juillet - septembre 2014) | 0.9398676031109472 | 0.8858420671691244 | 0.928805278982118 | 0.9095752680086794 | 0.8447126831619745 | 0.8624726962147817 | 0.8839197217559494 | 0.6004208265230057 | 0.6004208265230057 | 0.8393159021751381 | 0.9786021460481817 | 0.9193227330503394 | 0.8710573464584173
TRIM 4 2013 (juillet - septembre 2013) | 0.9583423729410312 | 0.9000395790436512 | 0.9547625252836981 | 0.9329728200845837 | 0.9063832032694609 | 0.9228542369339289 | 0.9291457891278633 | 0.7970790586090167 | 0.7970790586090167 | 0.9251265804882188 | 0.9788375067035189 | 0.9561877497465259 | 0.9248008658363653
CUMUL 2014 (octobre 2013 - septembre 2014) | 0.9346877432175572 | 0.9098120276371312 | 0.9460195238763798 | 0.9205588404583748 | 0.877635283056174 | 0.881525356991579 | 0.9001839571164845 | 0.6343436522959987 | 0.6343436522959987 | 0.9119244277916934 | 0.9815569711312906 | 0.9515909192142655 | 0.8906179363218174
CUMUL 2013 (octobre 2013 - septembre 2013) | 0.9601693890259704 | 0.9368919507076952 | 0.9574256284489606 | 0.9386604559198135 | 0.9074444603777176 | 0.9378471045777851 | 0.9344396834997565 | 0.7861788355736378 | 0.7861788355736378 | 0.928615595015531 | 0.9791577175618693 | 0.9601541537544207 | 0.9295607228943829
Rendement moyen des prêts
TRIM 4 2014 (juillet - septembre 2014) | 0.07907395176079653 | 0.06465529767455018 | 0.11824747183414595 | 0.12999999908410456 | 0.07199439277607839 | 0.07866026427487564 | 0.08233830348886749 | 0.08878893848420943 | 0.08878893848420943 | 0.09533439944863532 | 0.08099529742201259 | 0.08640641107090946 | 0.08286227995797024
TRIM 4 2013 (juillet - septembre 2013) | 0.0834 | 0.0752 | 0.1471 | 0.1206 | 0.0642 | 0.0688 | 0.0764 | 0.0904 | 0.0904 | 0.0937 | 0.0833 | 0.0873 | 0.0777
CUMUL 2014 (octobre 2013 - septembre 2014) | 0.07388363719790912 | 0.08010018886855656 | 0.12701144854886312 | 0.12750818336585298 | 0.07221575036261622 | 0.07124952630104844 | 0.07877198896851155 | 0.082557802290236 | 0.082557802290236 | 0.10182490311925643 | 0.0829999421085822 | 0.09016982254114234 | 0.07956504360669436
CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0886 | 0.0966 | 0.1347 | 0.1212 | 0.0636 | 0.0638 | 0.0754 | 0.0885 | 0.0885 | 0.087 | 0.0985 | 0.094 | 0.0771
Rendement moyen des prêts productifs
TRIM 4 2014 (juillet - septembre 2014) | 0.08220414482690334 | 0.09942812841778843 | 0.1204467433181131 | 0.1309051013272788 | 0.07441761497089962 | 0.07881357054495323 | 0.08464201091069311 | 0.09850483922809175 | 0.09850483922809175 | 0.09535188977576595 | 0.08670521442823137 | 0.09010732410183606 | 0.08554122063711722
TRIM 4 2013 (juillet - septembre 2013) | 0.0853 | 0.1074 | 0.1602 | 0.1215 | 0.0656 | 0.0689 | 0.0782 | 0.0976 | 0.0976 | 0.0946 | 0.0913 | 0.0927 | 0.0798
CUMUL 2014 (octobre 2013 - septembre 2014) | 0.07647188275185553 | 0.12453649692041639 | 0.13670346608427125 | 0.1283215064777489 | 0.07348336615279534 | 0.07133822630024861 | 0.0806443526706825 | 0.09001886891409101 | 0.09001886891409101 | 0.10290021883855494 | 0.08960208919037671 | 0.09487559457022172 | 0.08179737992803453
CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0905 | 0.143 | 0.1477 | 0.122 | 0.0644 | 0.0639 | 0.0769 | 0.0946 | 0.0946 | 0.0878 | 0.1099 | 0.1007 | 0.0791
Rémunération moyenne des dépôts
TRIM 4 2014 (juillet - septembre 2014) | 0.002280797244357299 | 0.004002059735976259 | 0.004702299606461289 | 0.006828737644815598 | 0.006523005106089453 | 0.005134411295705198 | 0.004912433305153346 | 0.035213393111772844 | 0.035213393111772844 | 0.004351743000693909 | 0.0008297367953460265 | 0.0026427417620906884 | 0.005523714518831194
TRIM 4 2013 (juillet - septembre 2013) | 0.0015 | 0.0049 | 0.0026 | 0.0044 | 0.0034 | 0.0023 | 0.0026 | 0.018 | 0.018 | 0.0022 | 0.0008 | 0.0015 | 0.0028
CUMUL 2014 (octobre 2013 - septembre 2014) | 0.0021957282675551353 | 0.004136318924972395 | 0.0033556219815742113 | 0.005625054054486075 | 0.005048233112163958 | 0.003976522715336909 | 0.0039288702731499585 | 0.030071443498115833 | 0.030071443498115833 | 0.002623494519776049 | 0.0007269498045063902 | 0.0016750619273024974 | 0.004378630147915443
CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0011 | 0.004 | 0.0025 | 0.0041 | 0.0034 | 0.0018 | 0.0023 | 0.0166 | 0.0166 | 0.0022 | 0.0011 | 0.0016 | 0.0025
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 4 2014 (juillet - septembre 2014) | 0.7646124679703716 | 0.7356711444556842 | 1.0632189982968676 | 0.7232397724680854 | 0.6338583142481118 | 0.5014572849478823 | 0.6355778368803148 | 0.5952444596480727 | 0.5952444596480727 | 0.8685680873180873 | 1.2783329063113844 | 1.0641175431684486 | 0.655790623294296
TRIM 4 2013 (juillet - septembre 2013) | 0.7206536751329417 | 0.8080492647218387 | 0.8115984648893941 | 0.7403883807301822 | 0.6944748328100792 | 0.5118765311279985 | 0.6437325788912321 | 0.554560688822761 | 0.554560688822761 | 0.9147307876657613 | 1.6944996042381237 | 1.3319093928069954 | 0.6759956105276037
CUMUL 2014 (octobre 2013 - septembre 2014) | 0.6765288207359405 | 0.7958986463640942 | 1.0056598916110797 | 0.6966345664319791 | 0.6795697610704285 | 0.5268450267320995 | 0.639284622239757 | 0.6076258517981356 | 0.6076258517981356 | 0.5541634438104134 | 0.9811535129454204 | 0.7277552434429897 | 0.6442907360144908
CUMUL 2013 (octobre 2013 - septembre 2013) | 0.6638553044944727 | 0.6582289269889277 | 0.914483829895417 | 0.7033762961717699 | 0.6599955502641739 | 0.5546378635457817 | 0.6383583075893451 | 0.5163221915723314 | 0.5163221915723314 | 0.9304241848201009 | 0.8469337387159586 | 0.8837852513841735 | 0.6505758523215176
Productivité par employé ('000)
TRIM 4 2014 (juillet - septembre 2014) | 2928.572767837627 | 1091.103999739414 | 2431.627096627906 | 2269.5372549019608 | 2351.2508350418293 | 3738.6765651086957 | 2767.6872081885444 | 3579.6744823880595 | 3579.6744823880595 | 9328.484848484848 | 3122.4 | 4787.447154471544 | 2839.304476904206
TRIM 4 2013 (juillet - septembre 2013) | 2990.4 | 1131.95 | 2845.45 | 2013.25 | 2108.38 | 3595.32 | 2646.42 | 4420.7 | 4420.7 | 6766.49 | 3182.9 | 4222.84 | 2723.22
CUMUL 2014 (octobre 2013 - septembre 2014) | 2676.4013162245733 | 1069.7496281756758 | 1929.707924212677 | 2082.6867704280157 | 2154.8660453316106 | 3397.92386234965 | 2512.500441609096 | 3548.1153692063485 | 3548.1153692063485 | 11746.457142857143 | 3129.3777777777777 | 5542.16 | 2619.903655649858
CUMUL 2013 (octobre 2013 - septembre 2013) | 2699.7 | 1295.89 | 1787.18 | 1896.61 | 2059.84 | 3033.68 | 2359.76 | 3910.93 | 3910.93 | 6957.97 | 3710.37 | 4673.1 | 2457.61
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfincléjuin 14 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 30 juin 2014 | 0.06833493698775292 | 0.038863119571471115 | 0.055605232022362866 | 0.0847068744528905 | 0.07302000093478006 | 0.09267736157936914 | 0.07790461213409336 | 0.08636624007953322 | 0.08636624007953322 | 0.05775875585072 | 0.0432620301248619 | 0.05084390333319419 | 0.07635740757058533
Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622
Dépôts en % de l'actif
Au 30 juin 2014 | 0.8002896215267851 | 0.8724826119511965 | 0.8506898390990936 | 0.8561215882111015 | 0.8256504321249453 | 0.8403449795196175 | 0.8276211277882833 | 0.6989199726408724 | 0.6989199726408724 | 0.7801178204169268 | 0.8401637614777273 | 0.8087593795222955 | 0.8227065418823759
Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 30 juin 2014 | 0.02989262632619841 | 0.32612986204396305 | 0.014612971405087473 | 0.007961016993459752 | 0.039304479799887444 | 0.0033189606937650694 | 0.028446926424954597 | 0.10408606390790066 | 0.10408606390790066 | 0 | 0.06543265926120789 | 0.041732708568150235 | 0.03275416477249695
Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 30 juin 2014 | 0.7156925102894751 | 0.8823734460123144 | 0.8037625386410249 | 0.7956784311924499 | 0.6406890130840146 | 2.192712402297941 | 0.7913398562798428 | 0.19866799788030845 | 0.19866799788030845 | 0 | 0.6467353595351883 | 0.6608003216330659 | 0.6933448337478264
Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 30 juin 2014 | 0.028997561164033774 | 0.4338774935791825 | 0.024261419700000092 | 0.009389710995712475 | 0.07593160970165433 | -0.01592790156055473 | 0.02702142130358636 | 0.5710733270473757 | 0.5710733270473757 | -0.0059233164017696216 | 0.21778655494435206 | 0.08487256702643414 | 0.04710549299612725
Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 3 2014 (avril - juin 2014) | 0.013322830045721107 | -0.00966628366366608 | 0.0011008860734992077 | 0.02295407258392324 | 0.010426833461705077 | 0.032768439475096084 | 0.018822586178623507 | 0.010366166897591005 | 0.010366166897591005 | 0.07139614248621405 | -0.009842126668392058 | 0.03110049765842081 | 0.01937569276360065
TRIM 3 2013 (avril - juin 2013) | 0.012716704104397035 | 0.037362557727393414 | -0.028733344606773206 | 0.02147890300822905 | 0.014597072738131595 | 0.029674700359892288 | 0.01902338713923453 | 0.01741214063438429 | 0.01741214063438429 | 0.00017481196493725199 | 0.008415838514377733 | 0.004033198367830645 | 0.017887615447555745
CUMUL 2014 (octobre 2013 - juin 2014) | 0.011278125579922227 | -0.003472205403363291 | -0.0007404416528587352 | 0.02151012251588616 | 0.008590793337490578 | 0.027144061589946145 | 0.01582326197621674 | 0.011668548603281967 | 0.011668548603281967 | 0.029787217521914156 | -0.00022562479155719683 | 0.014823247060945328 | 0.015649113884682053
CUMUL 2013 (octobre 2013 - juin 2013) | 0.010970940171173067 | 0.019568066134870336 | -0.0026584986935804526 | 0.019947785471126685 | 0.01062125298216681 | 0.02175130693274606 | 0.014877681568161943 | 0.01198543784270735 | 0.01198543784270735 | 0.0028551403191436103 | 0.02390833497604457 | 0.012876977156557917 | 0.014670389193682081
ROE (rendement de l'avoir des actionn.)
TRIM 3 2014 (avril - juin 2014) | 0.1996670519474108 | -0.23330870763270256 | 0.019457655567696644 | 0.2796919906315 | 0.1437071661052999 | 0.34396354641510785 | 0.24056143589599274 | 0.11698359039944044 | 0.11698359039944044 | 1.3181741837149543 | -0.22156931382387032 | 0.6304544092419274 | 0.25268642310890993
TRIM 3 2013 (avril - juin 2013) | 0.2105701703275966 | 3.3431883705953833 | 2.241798655876637 | 0.2729795464087588 | 0.21715614584380744 | 0.37062680678300614 | 0.2791927801049516 | 0.17284692080560576 | 0.17284692080560576 | 0.004743206095898205 | 0.17375145147960327 | 0.09539868284177438 | 0.2669133502957532
CUMUL 2014 (octobre 2013 - juin 2014) | 0.1716484860842938 | -0.06442460738875005 | -0.015631736925679963 | 0.25415792307100715 | 0.11722466452016433 | 0.2996944659867589 | 0.2062010618019755 | 0.12337850642981678 | 0.12337850642981678 | 0.5758653935834798 | -0.005155847359333257 | 0.3104036428477012 | 0.20774536741377933
CUMUL 2013 (octobre 2013 - juin 2013) | 0.18802179183277204 | 1.9957515927859377 | 0.16848816336974146 | 0.2537282253786464 | 0.15733949986866128 | 0.2611411332770673 | 0.21764765174181114 | 0.12055145734662644 | 0.12055145734662644 | 0.07255118323640115 | 0.5396585328920329 | 0.30873062814376095 | 0.21793705731086702
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 3 2014 (avril - juin 2014) | 0.9376296541558427 | 0.9194533205715755 | 0.9445528440501495 | 0.9213410739218668 | 0.8737033669393225 | 0.8390419295074107 | 0.8869121351892709 | 0.6178819834652726 | 0.6178819834652726 | 0.9365542244640606 | 0.9810541606142353 | 0.9614162821434368 | 0.8787857547409763
TRIM 3 2013 (avril - juin 2013) | 0.9597137916212669 | 0.9403213311679534 | 0.964666949687675 | 0.9315107342389609 | 0.9042764210967034 | 0.9370052130359405 | 0.9332107125040066 | 0.8048889281105941 | 0.8048889281105941 | 0.6707212310576318 | 0.9761675048752951 | 0.8412282152298005 | 0.9212940316997363
CUMUL 2014 (octobre 2013 - juin 2014) | 0.9326811629168358 | 0.9162234054670474 | 0.9526710351923604 | 0.9247954721077611 | 0.889317575561553 | 0.8888816033320691 | 0.9062664633816025 | 0.6489565671539016 | 0.6489565671539016 | 0.9354741430516591 | 0.9825403662840786 | 0.9622120215818536 | 0.897932745461774
CUMUL 2013 (octobre 2013 - juin 2013) | 0.960970126246683 | 0.9470178295626018 | 0.9583528458735422 | 0.9407416168904134 | 0.9077986706025726 | 0.9430468809761379 | 0.9363563578708023 | 0.7822448281078842 | 0.7822448281078842 | 0.9298235305638796 | 0.9792441277969498 | 0.9613342607905626 | 0.9312613918293057
Rendement moyen des prêts
TRIM 3 2014 (avril - juin 2014) | 0.08408650949685588 | 0.07688779144000053 | 0.11893182763615713 | 0.13428888844822306 | 0.08081431823545056 | 0.07890336197637736 | 0.08664380753096304 | 0.0811807154574455 | 0.0811807154574455 | 0.10406981271489854 | 0.08013679854402148 | 0.08925903241682884 | 0.08654273751555516
TRIM 3 2013 (avril - juin 2013) | 0.07918212074805626 | 0.10687335628570079 | 0.1364067931957637 | 0.1198430349475515 | 0.0637573791891593 | 0.07100010750777302 | 0.07700394003565024 | 0.08899783846219883 | 0.08899783846219883 | 0.08519492641340329 | 0.0842814275821893 | 0.08465904863154819 | 0.07801995748771341
CUMUL 2014 (octobre 2013 - juin 2014) | 0.07805353096943744 | 0.08313784904239105 | 0.12630539126969625 | 0.12333545580192416 | 0.07208802306567089 | 0.07242737782337207 | 0.07972407831993365 | 0.08013574443013936 | 0.08013574443013936 | 0.10820286080122171 | 0.08114457961505274 | 0.09103581304786346 | 0.080384131135286
CUMUL 2013 (octobre 2013 - juin 2013) | 0.08787460548298442 | 0.0954760190395998 | 0.13581305876452454 | 0.11951234381234001 | 0.06382018627765915 | 0.06534516698404373 | 0.07598699553282966 | 0.08631765795866968 | 0.08631765795866968 | 0.07920964672492532 | 0.10308362308151582 | 0.09326600135977019 | 0.07759934910313387
Rendement moyen des prêts productifs
TRIM 3 2014 (avril - juin 2014) | 0.08778658912110278 | 0.11314333844997787 | 0.12203034293170577 | 0.13528535076855402 | 0.08558092235892922 | 0.07916799469177707 | 0.08989460548753914 | 0.09043447199392854 | 0.09043447199392854 | 0.10406981271489854 | 0.08604020827578347 | 0.0932170466812622 | 0.09010941851009828
TRIM 3 2013 (avril - juin 2013) | 0.08085597546139775 | 0.14901302678142064 | 0.1376962673232622 | 0.12075707126949385 | 0.06554405037741956 | 0.07116977191381105 | 0.07878012072226279 | 0.0988074530349786 | 0.0988074530349786 | 0.08519492641340329 | 0.09244705764341409 | 0.08928535727376152 | 0.08024663760100766
CUMUL 2014 (octobre 2013 - juin 2014) | 0.0800920674864757 | 0.12463179355409677 | 0.13556686262138035 | 0.12426249342425406 | 0.07386472954611588 | 0.0726151524656478 | 0.08171247811395156 | 0.08790415638773173 | 0.08790415638773173 | 0.10937145570453273 | 0.08754000494298873 | 0.09585307347707382 | 0.08275332586735364
CUMUL 2013 (octobre 2013 - juin 2013) | 0.08996083264731496 | 0.13303030421182058 | 0.13837364763043103 | 0.12038596426827346 | 0.06545444196063042 | 0.06550936305431845 | 0.07770651007967395 | 0.09273164277326451 | 0.09273164277326451 | 0.07920964672492532 | 0.1152545317956442 | 0.0994492157216451 | 0.07973852612407716
Rémunération moyenne des dépôts
TRIM 3 2014 (avril - juin 2014) | 0.002272875097701529 | 0.0034625018131110514 | 0.0033839093129849947 | 0.005800050904147802 | 0.005673863394028917 | 0.00574893404858615 | 0.0047615049749920105 | 0.0316950805795074 | 0.0316950805795074 | 0.0020790231087938157 | 0.000750231391534403 | 0.0013991652201075977 | 0.005173756600274939
TRIM 3 2013 (avril - juin 2013) | 0.0012025246685935164 | 0.004422350387240892 | 0.001991569567840677 | 0.0044596739694405 | 0.0033824861610969505 | 0.001970590645590894 | 0.002380201675724208 | 0.01690067469894078 | 0.01690067469894078 | 0.0017885346027258068 | 0.0009742935663581718 | 0.0014210481489422835 | 0.0025896194731955054
CUMUL 2014 (octobre 2013 - juin 2014) | 0.002229475529220378 | 0.0039667722598538905 | 0.0028849285130231844 | 0.005282695940145357 | 0.004520988701906856 | 0.0036899917675809264 | 0.0036521560195065437 | 0.02874101495266659 | 0.02874101495266659 | 0.00206053766872093 | 0.0007004679379476833 | 0.0013649109049559602 | 0.004053872889615977
CUMUL 2013 (octobre 2013 - juin 2013) | 0.0010498429889061534 | 0.0035310052091721074 | 0.002422322860989621 | 0.0037585387367797935 | 0.003355279676899374 | 0.0016330829925971736 | 0.0021631347035900327 | 0.01645580587033184 | 0.01645580587033184 | 0.0018740389412922193 | 0.0010859199190845512 | 0.001501147423630761 | 0.0024179986256735076
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 3 2014 (avril - juin 2014) | 0.5997526952708631 | 0.8812194163814072 | 1.0087220184853003 | 0.6559576746594044 | 0.6676786907477196 | 0.5029810121967844 | 0.6074190274824798 | 0.6249601050393291 | 0.6249601050393291 | 0.3131536308734718 | 0.9346189962299056 | 0.49708805521910104 | 0.5985817255667323
TRIM 3 2013 (avril - juin 2013) | 0.5986995508873347 | 0.5126586312167909 | 1.4168077403024997 | 0.6787929953822736 | 0.5839355308161784 | 0.5307319546693219 | 0.5955289931363609 | 0.48340005914533596 | 0.48340005914533596 | 0.8866169418608427 | 0.7631694790902421 | 0.8061860632212055 | 0.6029455473285238
CUMUL 2014 (octobre 2013 - juin 2014) | 0.6413962516559648 | 0.817553889912292 | 0.9807096761685362 | 0.6867788538472863 | 0.697433405952601 | 0.5368729639483506 | 0.6407396495605463 | 0.612164427712371 | 0.612164427712371 | 0.4817545770664879 | 0.8823880032168031 | 0.636990519763324 | 0.6398812478839627
CUMUL 2013 (octobre 2013 - juin 2013) | 0.6408866754833173 | 0.6174923938387047 | 0.9825142509867323 | 0.6900437438564085 | 0.6478675047411852 | 0.5727900488097408 | 0.6362283792656039 | 0.5012602558546387 | 0.5012602558546387 | 0.9353766878094527 | 0.6105534255063708 | 0.7516646807317586 | 0.6406732766000661
Productivité par employé ('000)
TRIM 3 2014 (avril - juin 2014) | 2709.852712069786 | 975.6827297627119 | 1801.840831418956 | 2274.2419354838707 | 2237.2641633424164 | 3608.0478646407323 | 2625.6278751157165 | 3220.0987825563925 | 3220.0987825563925 | 18858.333333333332 | 3171.1555555555556 | 7653.206349206349 | 2787.1366831503274
TRIM 3 2013 (avril - juin 2013) | 2708.618443534558 | 1757.2889783512542 | 1015.2739378794045 | 2017.4709677419355 | 2144.498655198141 | 3143.1670041727316 | 2412.6886225629282 | 3978.1019354385962 | 3978.1019354385962 | 8017.789473684211 | 3277.158469945355 | 4668.2316602316605 | 2510.4884128199205
CUMUL 2014 (octobre 2013 - juin 2014) | 2612.6908763777774 | 1059.8573741069397 | 1790.4172241957867 | 2112.603110209601 | 2082.2370153169427 | 3256.8472624590927 | 2436.882942165624 | 3461.8353583068783 | 3461.8353583068783 | 12730.133333333333 | 3131.703703703704 | 5819.264 | 2556.2485151379965
CUMUL 2013 (octobre 2013 - juin 2013) | 2560.78949801085 | 1372.9309844917254 | 1417.5949555418717 | 1918.7065527065527 | 2065.116615297083 | 2828.609885397436 | 2271.9095539388413 | 3806.646128654971 | 3806.646128654971 | 7051.875555555555 | 3846.7039106145253 | 4793.112860892388 | 2377.0069513974436
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclémars 14 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 31 mars 2014 | 0.06508621346600958 | 0.04418573445791735 | 0.057586176119218305 | 0.07941688747385343 | 0.07208221332595692 | 0.09779983284353788 | 0.07858629677883652 | 0.09105012540417186 | 0.09105012540417186 | 0.04995848519465114 | 0.045575735651482346 | 0.0476944529390944 | 0.0770043504966324
Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622
Dépôts en % de l'actif
Au 31 mars 2014 | 0.8024438729037784 | 0.8680410699758865 | 0.8556175000210494 | 0.8642042317505231 | 0.8226739076585597 | 0.867688515874981 | 0.8372789252875653 | 0.6933572955349637 | 0.6933572955349637 | 0.8017135969010147 | 0.8418603021583528 | 0.8224525040098215 | 0.8325331064551846
Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 mars 2014 | 0.05442506855539557 | 0.31478098996230286 | 0.03840148551589591 | 0.006710116679829678 | 0.07211139631435001 | 0.0033657073790817203 | 0.04391860571753089 | 0.10048908499405608 | 0.10048908499405608 | 0 | 0.0718222388237441 | 0.04315207331523513 | 0.046435050386389516
Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 mars 2014 | 0.4233703882252086 | 0.8827609582159821 | 0.3559013693986774 | 0.7608206604877171 | 0.28886829936273045 | 1.894714995316339 | 0.4741279418708415 | 0.20528726502377548 | 0.20528726502377548 | 0 | 0.5030656185511672 | 0.783522002075555 | 0.46485220722976817
Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 mars 2014 | 0.11427944531677703 | 0.39601902281196266 | 0.17330211422429537 | 0.009024343318885028 | 0.2849541875247341 | -0.011558919762307654 | 0.10431820963109567 | 0.5397315961211763 | 0.5397315961211763 | -0.1735915505956446 | 0.31552100216610873 | 0.06784920488044699 | 0.11661073969908937
Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 2 2014 (janvier - mars 2014) | 0.009550026160036789 | -0.00937151040711154 | -0.01047850009389995 | 0.01942826359963237 | 0.0069249591431309 | 0.02906011203983928 | 0.015072541408737011 | 0.014940139508983591 | 0.014940139508983591 | 0.00258578103666161 | 0.006340200146581622 | 0.004575176685514103 | 0.01440365359604406
TRIM 2 2013 (janvier - mars 2013) | 0.01 | 0.0097 | 0.0226 | 0.0194 | 0.0083 | 0.0194 | 0.0133 | 0.0127 | 0.0127 | 0.0027 | 0.0363 | 0.0186 | 0.0137
CUMUL 2014 (octobre 2013 - mars 2014) | 0.010392318600126956 | -0.00011049232563235361 | -0.0017190810050276254 | 0.020416866742206986 | 0.007683980059401221 | 0.023732268852096464 | 0.014237955481915303 | 0.012544878255944603 | 0.012544878255944603 | 0.009466201696793046 | 0.004563175784588311 | 0.006920080730948116 | 0.013736288290721512
CUMUL 2013 (octobre 2013 - mars 2013) | 0.0099 | 0.0105 | 0.0115 | 0.0198 | 0.0084 | 0.0175 | 0.0127 | 0.0096 | 0.0096 | 0.0041 | 0.0325 | 0.0172 | 0.0129
ROE (rendement de l'avoir des actionn.)
TRIM 2 2014 (janvier - mars 2014) | 0.14400119978241888 | -0.1652853779774771 | -0.21895151492264497 | 0.23374718621826626 | 0.09332131407675243 | 0.30152666612404816 | 0.19040952476323533 | 0.15034044954381628 | 0.15034044954381628 | 0.05264348062050563 | 0.14411292835343134 | 0.09776919764631971 | 0.18559614577682676
TRIM 2 2013 (janvier - mars 2013) | 0.1917 | 1.435 | -0.3451 | 0.2411 | 0.1264 | 0.2325 | 0.2053 | 0.1334 | 0.1334 | 0.0691 | 0.739 | 0.4215 | 0.2126
CUMUL 2014 (octobre 2013 - mars 2014) | 0.1622093922262499 | -0.0019287445616628198 | -0.03562488251347787 | 0.24932516566962185 | 0.10553131359326963 | 0.2546154279463448 | 0.1847190814751632 | 0.12874114169093442 | 0.12874114169093442 | 0.20021388019563746 | 0.10159845832024336 | 0.15026839386683535 | 0.18157746446154233
CUMUL 2013 (octobre 2013 - mars 2013) | 0.1807 | 2.071 | -0.1772 | 0.2502 | 0.1286 | 0.2203 | 0.1964 | 0.0977 | 0.0977 | 0.1058 | 0.7056 | 0.4086 | 0.2021
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 2 2014 (janvier - mars 2014) | 0.9275181879691887 | 0.8849406075636684 | 0.9558343093531831 | 0.9250555286068064 | 0.8914698084362648 | 0.9176759708156087 | 0.9135287019121052 | 0.654392189650229 | 0.654392189650229 | 0.9526254762299156 | 0.9842648644166183 | 0.9706954936181297 | 0.9044015282494487
TRIM 2 2013 (janvier - mars 2013) | 0.9676039301635727 | 0.9433458734530036 | 0.9559015760529685 | 0.9473514188172241 | 0.9115702548492304 | 0.9422253469513527 | 0.9391427584153668 | 0.7596464892263273 | 0.7596464892263273 | 0.932232329476876 | 0.9817876114095258 | 0.9651498379062228 | 0.933188130963662
CUMUL 2014 (octobre 2013 - mars 2014) | 0.9298947937296947 | 0.9146926870998514 | 0.9569567994675174 | 0.9267938546864883 | 0.8985916078609463 | 0.918049737557435 | 0.9174321777303901 | 0.6668892755893672 | 0.6668892755893672 | 0.9348980592727527 | 0.983288420964676 | 0.96262275069267 | 0.9089097572852997
CUMUL 2013 (octobre 2013 - mars 2013) | 0.9617065526335528 | 0.9511575049617146 | 0.9552388508386775 | 0.945658906530902 | 0.9094715828570182 | 0.9463297918368263 | 0.938019200481613 | 0.7700805033740993 | 0.7700805033740993 | 0.9292420000927973 | 0.9803887128183588 | 0.9634819684870298 | 0.9325177804530076
Rendement moyen des prêts
TRIM 2 2014 (janvier - mars 2014) | 0.07507806082782871 | 0.07374185322572759 | 0.12037614990826055 | 0.12311582048763477 | 0.06555533111522362 | 0.06757127871773796 | 0.0745961555557843 | 0.08248622996883509 | 0.08248622996883509 | 0.08787875098910464 | 0.08200135748986842 | 0.08443857294228052 | 0.07554203671422424
TRIM 2 2013 (janvier - mars 2013) | 0.08 | 0.0817 | 0.1358 | 0.1168 | 0.0649 | 0.063 | 0.0738 | 0.0842 | 0.0842 | 0.0791 | 0.1175 | 0.1019 | 0.0761
CUMUL 2014 (octobre 2013 - mars 2014) | 0.0757323559560027 | 0.08571300956119571 | 0.13820232406247224 | 0.12241812321290707 | 0.06734761526219836 | 0.06739640737751931 | 0.07589646533700663 | 0.07876580744499925 | 0.07876580744499925 | 0.09829059089116235 | 0.08162443781371893 | 0.0880343086983738 | 0.07672845239347538
CUMUL 2013 (octobre 2013 - mars 2013) | 0.0893 | 0.093 | 0.1348 | 0.1195 | 0.065 | 0.0627 | 0.0756 | 0.0834 | 0.0834 | 0.0741 | 0.1137 | 0.0971 | 0.0774
Rendement moyen des prêts productifs
TRIM 2 2014 (janvier - mars 2014) | 0.07942183742135307 | 0.10387979225175298 | 0.1269040022406348 | 0.1238550402818438 | 0.07011200592210948 | 0.0677775999605375 | 0.07782785233866715 | 0.0919243803448651 | 0.0919243803448651 | 0.08787875098910464 | 0.08919161422469289 | 0.08862023995619532 | 0.07906488003982544
TRIM 2 2013 (janvier - mars 2013) | 0.0815 | 0.1171 | 0.1373 | 0.1177 | 0.066 | 0.0632 | 0.0753 | 0.0938 | 0.0938 | 0.0791 | 0.1308 | 0.1085 | 0.0781
CUMUL 2014 (octobre 2013 - mars 2014) | 0.07868543477135646 | 0.12739628935586172 | 0.15149804601874925 | 0.12325561729986595 | 0.07019898197011834 | 0.06757347774823672 | 0.07841849230362784 | 0.08618601807677369 | 0.08618601807677369 | 0.09927320802758871 | 0.08836895877246174 | 0.09274337932141483 | 0.07955890038319643
CUMUL 2013 (octobre 2013 - mars 2013) | 0.0911 | 0.1338 | 0.1373 | 0.1203 | 0.0661 | 0.0628 | 0.077 | 0.0918 | 0.0918 | 0.0741 | 0.1277 | 0.1037 | 0.0794
Rémunération moyenne des dépôts
TRIM 2 2014 (janvier - mars 2014) | 0.0022281779553125084 | 0.004873067972453534 | 0.0024552460812381103 | 0.005044900126702525 | 0.004229886272634966 | 0.002524481197700391 | 0.0031572463727636995 | 0.030359850224953095 | 0.030359850224953095 | 0.0015911492785004994 | 0.0006242919268011547 | 0.0010787871490298136 | 0.003594420053189268
TRIM 2 2013 (janvier - mars 2013) | 0.0008 | 0.0035 | 0.0027 | 0.0035 | 0.0034 | 0.0017 | 0.0021 | 0.0181 | 0.0181 | 0.0017 | 0.0011 | 0.0014 | 0.0024
CUMUL 2014 (octobre 2013 - mars 2014) | 0.0022449950692803684 | 0.0042814983409671875 | 0.0026147942766082534 | 0.0048765385202920895 | 0.003948125682052602 | 0.0025049786252711137 | 0.0030517693627513253 | 0.027269274855116724 | 0.027269274855116724 | 0.0021762948743712 | 0.0006675822975115974 | 0.001378342642276887 | 0.003451006046199966
CUMUL 2013 (octobre 2013 - mars 2013) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0015 | 0.0021 | 0.0172 | 0.0172 | 0.0017 | 0.0012 | 0.0015 | 0.0023
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 2 2014 (janvier - mars 2014) | 0.7023338620043865 | 0.8347920738778455 | 1.103823405632522 | 0.7171561782595318 | 0.7316862155091262 | 0.5215869819847087 | 0.6613419425031223 | 0.57742053302737 | 0.57742053302737 | 0.4939800359542057 | 0.8511851142889314 | 0.6570822622107969 | 0.6590814416023064
TRIM 2 2013 (janvier - mars 2013) | 0.6378065026846498 | 0.6755597585907235 | 0.767566282814592 | 0.715894885469409 | 0.6802565878693533 | 0.5818393180426656 | 0.6468844681148346 | 0.5083273523629672 | 0.5083273523629672 | 0.8998143829422683 | 0.4829612455779186 | 0.6440628084782862 | 0.6435223534485189
CUMUL 2014 (octobre 2013 - mars 2014) | 0.6651584146224413 | 0.7890901515774374 | 0.9672494283562587 | 0.7041927036898277 | 0.7145745663899689 | 0.5574014052117194 | 0.6600151750246959 | 0.60593923064633 | 0.60593923064633 | 0.65577319524936 | 0.8557758910017924 | 0.7477601156069364 | 0.6642321984245352
CUMUL 2013 (octobre 2013 - mars 2013) | 0.6650702236273768 | 0.6940672640466446 | 0.8446362848246312 | 0.696055224577671 | 0.6821596140342214 | 0.5971763698886624 | 0.6586939299995481 | 0.5108075878296067 | 0.5108075878296067 | 0.8985716039782262 | 0.5481186389805998 | 0.6883009724632462 | 0.6572077655392679
Productivité par employé ('000)
TRIM 2 2014 (janvier - mars 2014) | 2343.8794197685947 | 1023.7078198601398 | 1710.791587469965 | 2030.1741741741741 | 2058.8034931017014 | 3322.5586378857956 | 2387.7631481223266 | 3691.8160024427475 | 3691.8160024427475 | 8672 | 3140.243093922652 | 4806.177606177606 | 2485.3635727736846
TRIM 2 2013 (janvier - mars 2013) | 2525.21 | 1157.4 | 1823.18 | 1890.64 | 2095.3 | 2855.38 | 2293.74 | 3749.99 | 3749.99 | 6548.88 | 4350.7 | 4999.2 | 2405.87
CUMUL 2014 (octobre 2013 - mars 2014) | 2476.6595885194374 | 1133.4299763380282 | 1800.4817211858658 | 1996.516 | 2001.2136067905283 | 3066.824764128181 | 2323.7690570086183 | 3521.20250944 | 3521.20250944 | 8654.78947368421 | 3111.9777777777776 | 4757.5 | 2418.6504792777387
CUMUL 2013 (octobre 2013 - mars 2013) | 2457.12 | 1177.57 | 1598.98 | 1883.84 | 2033.69 | 2726.32 | 2212.87 | 3720.92 | 3720.92 | 6346.23 | 4072.11 | 4753.46 | 2319.94
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[sysratfinclédéc. 13 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RATIOS FINANCIERS CLÉS
(Données trimestrielles annualisées et cumulées)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
STRUCTURE FINANCIÈRE
Avoirs des actionnaires
en % de l'actif
Au 31 décembre 2013 | 0.06756273498718765 | 0.06987351784593303 | 0.03770170709237968 | 0.0870135131079675 | 0.07636450325518582 | 0.09487612237598875 | 0.07974846780641365 | 0.10871970751419446 | 0.10871970751419446 | 0.04827264032561701 | 0.042455281044486384 | 0.04521781241018626 | 0.07822902880947961
Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622
Dépôts en % de l'actif
Au 31 décembre 2013 | 0.8117420239083275 | 0.8662815810350329 | 0.8820243519796762 | 0.8524718775522453 | 0.7972498069705379 | 0.8658969875930865 | 0.8308793810337939 | 0.6563314665509591 | 0.6563314665509591 | 0.7954428260922484 | 0.8147346034511499 | 0.8055733779743377 | 0.8249857687518566
Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829
QUALITÉ DE L'ACTIF
Prêts improductifs bruts
en % des prêts bruts
Au 31 décembre 2013 | 0.0549588148735503 | 0.265203961110005 | 0.06528125303348466 | 0.005208599663825625 | 0.05798568115084276 | 0.002710543592300367 | 0.039102626496680296 | 0.10501826389970001 | 0.10501826389970001 | 0 | 0.08952756527635604 | 0.051067973089693096 | 0.04265788229027242
Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487
Provision pour créances douteuses
en % des prêts improductifs bruts
Au 31 décembre 2013 | 0.2996864383311242 | 0.8820343312270964 | 0.20196535145315178 | 1.1628201575551245 | 0.2870974822167787 | 2.0359016327263086 | 0.4375677827321229 | 0.20081171778993706 | 0.20081171778993706 | #DIV/0! | 0.4285063134007021 | 0.47359718369959464 | 0.4154185174472904
Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964
Prêts improductifs nets
en % de l'avoir des actionnaires
Au 31 décembre 2013 | 0.13674048326773747 | 0.2211696638111108 | 0.5482128809295178 | -0.004474913069400864 | 0.224060811280408 | -0.011293756854838055 | 0.0998242983077997 | 0.4965043069888507 | 0.4965043069888507 | -0.03579553547026149 | 0.4664890816904084 | 0.2118513748219269 | 0.11746019600354837
Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871
RENTABILITÉ
ROA (rendement de l'actif)
TRIM 1 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199019
TRIM 1 2013 (octobre - décembre 2012) | 0.0085 | 0.0117 | 0.0007 | 0.0202 | 0.0082 | 0.0164 | 0.0116 | 0.0055 | 0.0055 | 0.0061 | 0.0282 | 0.0168 | 0.0117
CUMUL 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199019
CUMUL 2013 (octobre - décembre 2012) | 0.0085 | 0.0117 | 0.0007 | 0.0202 | 0.0082 | 0.0164 | 0.0116 | 0.0055 | 0.0055 | 0.0061 | 0.0282 | 0.0168 | 0.0117
ROE (rendement de l'avoir des actionn.)
TRIM 1 2014 (octobre - décembre 2013) | 0.17442378768489986 | 0.1368176887755292 | 0.19811700250644249 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444068879312 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.1741323171569377
TRIM 1 2013 (octobre - décembre 2012) | 0.1689 | 2.2983 | -0.0094 | 0.2516 | 0.1247 | 0.1912 | 0.1775 | 0.0585 | 0.0585 | 0.1437 | 0.6301 | 0.3836 | 0.1816
CUMUL 2014 (octobre - décembre 2013) | 0.17442378768489986 | 0.1368176887755292 | 0.19811700250644249 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444068879312 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.1741323171569377
CUMUL 2013 (octobre - décembre 2012) | 0.1689 | 2.2983 | -0.0094 | 0.2516 | 0.1247 | 0.1912 | 0.1775 | 0.0585 | 0.0585 | 0.1437 | 0.6301 | 0.3836 | 0.1816
Revenus nets d'intérêt
en % des revenus d'intérêt
TRIM 1 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787
TRIM 1 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.925931960375391 | 0.9789136778687753 | 0.9616948721750366 | 0.9318060572362425
CUMUL 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787
CUMUL 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.925931960375391 | 0.9789136778687753 | 0.9616948721750366 | 0.9318060572362425
Rendement moyen des prêts
TRIM 1 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559
TRIM 1 2013 (octobre - décembre 2012) | 0.0962 | 0.1039 | 0.1334 | 0.1178 | 0.0616 | 0.0649 | 0.0762 | 0.082 | 0.082 | 0.0781 | 0.1098 | 0.097 | 0.0779
CUMUL 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559
CUMUL 2013 (octobre - décembre 2012) | 0.0962 | 0.1039 | 0.1334 | 0.1178 | 0.0616 | 0.0649 | 0.0762 | 0.082 | 0.082 | 0.0781 | 0.1098 | 0.097 | 0.0779
Rendement moyen des prêts productifs
TRIM 1 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846
TRIM 1 2013 (octobre - décembre 2012) | 0.0982 | 0.149 | 0.136 | 0.1187 | 0.0625 | 0.0651 | 0.0776 | 0.0883 | 0.0883 | 0.0781 | 0.1246 | 0.1044 | 0.0798
CUMUL 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846
CUMUL 2013 (octobre - décembre 2012) | 0.0982 | 0.149 | 0.136 | 0.1187 | 0.0625 | 0.0651 | 0.0776 | 0.0883 | 0.0883 | 0.0781 | 0.1246 | 0.1044 | 0.0798
Rémunération moyenne des dépôts
TRIM 1 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737
TRIM 1 2013 (octobre - décembre 2012) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0019 | 0.0013 | 0.0016 | 0.0023
CUMUL 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737
CUMUL 2013 (octobre - décembre 2012) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0019 | 0.0013 | 0.0016 | 0.0023
Dépenses d'exploitation
en % du produit net bancaire
(revenus nets d'intérêt + autres revenus)
TRIM 1 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046
TRIM 1 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.897246837583711 | 0.6265042859375564 | 0.7390012015936926 | 0.6722430209787185
CUMUL 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046
CUMUL 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.897246837583711 | 0.6265042859375564 | 0.7390012015936926 | 0.6722430209787185
Productivité par employé ('000)
TRIM 1 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544
TRIM 1 2013 (octobre - décembre 2012) | 2338.98 | 1185.27 | 1402.83 | 1829.35 | 1957.11 | 2597.12 | 2100.09 | 3691.84 | 3691.84 | 6224.42 | 3696.84 | 4447.22 | 2201.19
CUMUL 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544
CUMUL 2013 (octobre - décembre 2012) | 2238.98 | 1185.27 | 1402.83 | 1829.35 | 1957.11 | 2597.12 | 2100.09 | 3691.84 | 3691.84 | 6224.42 | 3696.84 | 4447.22 | 2201.19
REVENUS REPORTÉS
ACCEPTATIONS EN CIRCULATION
CAPITAL
Capital autorisé
Moins actions non émises
Capital versé
Profits non distribués
Profits et pertes
RESERVES
Réserve légale
Autres réserves
TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0
[bilsysbansept. 20]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 SEPTEMBRE 2020
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 4249157 | 330561.74611 | 1540154.2400953462 | 1211723 | 4213513.0541900005 | 4617784.8657031525 | 16162893.906098498 | 45626.62983 | 45626.62983 | 83019 | 83019 | 16291539.535928499
Avoirs à la BRH | 23301324.5 | 1216271.97785 | 10273166.67950391 | 9661511 | 32015278.25152 | 45065996.25738363 | 121533548.66625755 | 973212.7014599999 | 973212.7014599999 | 2384397 | 2384397 | 124891158.36771755
Avoirs à l'étranger | 1562932 | 0 | 472681.1237459701 | 3569413 | 7111476.047150001 | 8704248.558392948 | 21420750.72928892 | 0 | 0 | 751281 | 751281 | 22172031.72928892
Avoirs dans les banques locales | 0 | 0 | 79020.44975303201 | 11484 | 20005.81 | 0 | 110510.259753032 | 130120.88674000002 | 130120.88674000002 | 0 | 0 | 240631.14649303202
Autres liquidités | 322805.1 | 25746.419 | 648568.905743564 | 148428 | 72103.76637 | 768548.975584686 | 1986201.16669825 | 71322.52186000001 | 71322.52186000001 | 48949 | 48949 | 2106472.6885582497
29436218.6 | 1572580.1429599999 | 13013591.398841823 | 14602559 | 43432376.929230005 | 59156578.657064416 | 161213904.72809625 | 1220282.7398899999 | 1220282.7398899999 | 3267646 | 3267646 | 165701833.46798626
Bons B.R.H. | 0 | 0 | 0 | 0 | 4050000 | 0 | 4050000 | 0 | 0 | 0 | 0 | 4050000
Bons du Trésor / M.E.F. | 19250000 | 1402000 | 0 | 0 | 0 | 3300000 | 23952000 | 0 | 0 | 0 | 0 | 23952000
Autres Placements | 9473755.099999998 | 100000 | 2100767.987065756 | 2454546 | 13153058.77161 | 22023226.652763538 | 49305354.51143929 | 745023.96046 | 745023.96046 | 0 | 0 | 50050378.47189929
Portefeuille net | 22573390.35592 | 167934.05005000002 | 12316507.917750105 | 7960739 | 28782480.1563 | 31336763.096040003 | 103137814.57606012 | 4134099.53656 | 4134099.53656 | 347901 | 347901 | 107619815.11262012
Immobilisations | 2342234.59738 | 345133.09933999996 | 1021305.5977999999 | 826915 | 4508152.79164 | 2871992.87664 | 11915733.9628 | 767647.23477 | 767647.23477 | 290909 | 290909 | 12974290.19757
Autres actifs | 2174766 | 706499.39696 | 411058.26110104204 | 354643 | 3717661.25549 | 2267644.210743792 | 9632272.124294834 | 870884.8938000001 | 870884.8938000001 | 39732 | 39732 | 10542889.018094834
85250364.6533 | 4294146.689309999 | 28863231.162558727 | 26199402 | 97643729.90427001 | 120956205.49325176 | 363207079.9026905 | 7737938.365479999 | 7737938.365479999 | 3946188 | 3946188 | 374891206.26817054
PASSIF
Dépôts
À vue | 30626438 | 1655858.25046 | 9302218.188062876 | 8463608 | 34366010.2928259 | 44194623.05245058 | 128608755.78379937 | 1786680.5859299998 | 1786680.5859299998 | 2550463 | 2550463 | 132945899.36972937
Épargne | 20830883 | 430073.66489 | 4265557.385238585 | 4863012 | 25812253.94268559 | 40334588.144952476 | 96536368.13776664 | 617173.14228 | 617173.14228 | 400600 | 400600 | 97554141.28004664
À terme | 9974030.5 | 1414493.8344200002 | 8320459.840798957 | 7210253 | 15937603.261680763 | 18268271.05466571 | 61125111.491565436 | 1971299.91882 | 1971299.91882 | 4257 | 4257 | 63100668.41038544
61431351.5 | 3500425.74977 | 21888235.414100416 | 20536873 | 76115867.49719225 | 102797482.25206877 | 286270235.4131315 | 4375153.64703 | 4375153.64703 | 2955320 | 2955320 | 293600709.0601615
Obligations à vue
Banques locales | 0 | 0 | 400000 | 0 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2970516.2 | 140084.68306 | 1141504.089839935 | 879398 | 4934112.777519999 | 2886431.6421956066 | 12952047.39261554 | 238151.85418 | 238151.85418 | 471970 | 471970 | 13662169.24679554
2970516.2 | 140084.68306 | 1541504.089839935 | 879398 | 4934112.777519999 | 2886431.6421956066 | 13352047.39261554 | 238151.85418 | 238151.85418 | 471970 | 471970 | 14062169.24679554
Obligations à terme
Banques locales | 7456296 | 0 | 2037392.32386 | 623152 | 5034091.11166 | 2260374.18273 | 17411305.61825 | 1738551.7711500002 | 1738551.7711500002 | 0 | 0 | 19149857.3894
Banque à l'étranger | 0 | 0 | 0 | 0 | 429.41413 | 0 | 429.41413 | 3713.0963899999997 | 3713.0963899999997 | 0 | 0 | 4142.51052
Autres | 4200423 | 939642.21263 | 230228.060643122 | 83835 | 703471.46983 | 614209.212395713 | 6771808.955498834 | 314208.01317 | 314208.01317 | 78501 | 78501 | 7164517.968668834
11656719 | 939642.21263 | 2267620.384503122 | 706987 | 5737991.99562 | 2874583.395125713 | 24183543.987878833 | 2056472.8807100002 | 2056472.8807100002 | 78501 | 78501 | 26318517.868588835
Autres passifs | 1016434 | 20720.91663 | 237937.39014655672 | 660386 | 2764988.6704599997 | 1215810.4429473171 | 5916277.420183873 | 190886.39661999998 | 190886.39661999998 | 0 | 0 | 6107163.816803873
77075020.7 | 4600873.56209 | 25935297.27859003 | 22783644 | 89552960.94079225 | 109774307.73233742 | 329722104.21380967 | 6860664.778539999 | 6860664.778539999 | 3505791 | 3505791 | 340088559.9923497
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 727062.76157 | 810000 | 3000000 | 6323450 | 14025512.76157 | 300000 | 300000 | 103837 | 103837 | 14429349.76157
Réserves | 1148549 | 126300.688 | 222839.40772999998 | 364408 | 1465069.6438699998 | 2083872.4036499998 | 5411039.14325 | 395392.36360000004 | 395392.36360000004 | 59288 | 59288 | 5865719.50685
Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000
Surplus d'apport | 0 | 174325 | 1162451.9122300001 | 1384 | 0 | 0 | 1338160.9122300001 | 0 | 0 | 0 | 0 | 1338160.9122300001
BNR | 3798795 | -772352.56078 | 815579.80244 | 2239966 | 3625699.3197100074 | 2774575.35756 | 12482262.918930007 | 181881.22316999998 | 181881.22316999998 | 277272 | 277272 | 12941416.142100006
8175344 | -306726.8727800001 | 2927933.88397 | 3415758 | 8090768.963580007 | 11181897.76121 | 33484975.73598001 | 877273.58677 | 877273.58677 | 440397 | 440397 | 34802646.32275
85250364.7 | 4294146.68931 | 28863231.16256003 | 26199402 | 97643729.90437226 | 120956205.49354741 | 363207079.9497898 | 7737938.365309999 | 7737938.365309999 | 3946188 | 3946188 | 374891206.3150997
Hors-bilan
Effets à l'encaissement | 820292.2 | 0 | 0 | 0 | 19878.62198 | 2809.6125314 | 842980.4345114001 | 0 | 0 | 0 | 0 | 842980.4345114001
Crédit documentaire | 0 | 0 | 0 | 0 | 1163260.8931000002 | 1009052.0499766741 | 2172312.9430766744 | 0 | 0 | 0 | 0 | 2172312.9430766744
Autres | 3804475.364544665 | 228705.636893397 | 1429968.6171458 | 244796 | 7004151.97447 | 1199427.898695145 | 13911525.491749007 | 391390.95843999996 | 391390.95843999996 | 614449.38489 | 614449.38489 | 14917365.835079007
Portefeuille brut | 24617832.35592 | 1079006.16982 | 12745795.158740086 | 8254331 | 30146159.48482 | 32150119.625540003 | 108993243.79484008 | 4325559.46284 | 4325559.46284 | 347901 | 347901 | 113666704.25768009
Provisions pour créances douteuses | 2044442 | 911072.11977 | 429287.24098998134 | 293592 | 1363679.32852 | 813356.5295 | 5855429.218779981 | 191459.92628 | 191459.92628 | 0 | 0 | 6046889.145059981
Portefeuille de crédit improductif | 3214044 | 883299.525738375 | 141882.83373491102 | 62855 | 733259 | 236542.11956 | 5271882.479033286 | 467045.83762000006 | 467045.83762000006 | 0 | 0 | 5738928.316653286
Dépôts US convertis | 36013707 | 2368688.90766 | 21574269.326940157 | 23349153 | 76553000.91412212 | 111841687.02080046 | 271700506.16952276 | 5140174.9410500005 | 5140174.9410500005 | 3481039 | 3481039 | 280321720.11057276
Immobilisation /A | 0.2864998215830429 | -1.1252131129297782 | 0.34881443306882554 | 0.242088286113946 | 0.5571970738421915 | 0.25684306349168584 | 0.3558531461020711 | 0.8750374413942758 | 0.8750374413942758 | 0.6605608121762864 | 0.6605608121762864 | 0.372796082149905
Liquidité en % de l'actif | 0.5710968955734007 | 0.6927057592990535 | 0.45087091343130714 | 0.5573623016281058 | 0.48628188390367477 | 0.5163569607889933 | 0.5209587455695811 | 0.15770127419647692 | 0.15770127419647692 | 0.8280512737862463 | 0.8280512737862463 | 0.5166934572731063
Liquidité en % des dépôts | 0.7925304817687432 | 0.8497766716392852 | 0.5945473060134605 | 0.7110410138875572 | 0.6238170632553262 | 0.6075691475002784 | 0.6609695361972541 | 0.2789119739185316 | 0.2789119739185316 | 1.1056826333527334 | 1.1056826333527334 | 0.6597526078463747
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 59156578.657064416 | SOGEBK | 4050000 | UNIBK | 31336763.096040003 | UNIBK | 11181897.76121
SOGEBK | 43432376.929230005 | BNC | 0 | SOGEBK | 28782480.1563 | BNC | 8175344
BNC | 29436218.6 | UNIBK | 0 | BNC | 22573390.35592 | SOGEBK | 8090768.963580007
CAPITALBK | 14602559 | BPH | 0 | BUH | 12316507.917750105 | CAPITALBK | 3415758
BUH | 13013591.398841823 | BUH | 0 | CAPITALBK | 7960739 | BUH | 2927933.88397
CBNA | 3267646 | CAPITALBK | 0 | SOGEBL | 4134099.53656 | SOGEBL | 877273.58677
BPH | 1572580.1429599999 | CBNA | 0 | CBNA | 347901 | CBNA | 440397
SOGEBL | 1220282.7398899999 | SOGEBL | 0 | BPH | 167934.05005000002 | BPH | -306726.8727800001
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanjuin 20 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 JUIN 2020
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 6705846 | 510099.43383 | 1038674.7178146841 | 1324531 | 3854821.6278999997 | 3990220.168851373 | 17424192.948396057 | 70011.04815 | 70011.04815 | 80538 | 80538 | 17574741.996546056
Avoirs à la BRH | 25821495 | 1537694.2832900002 | 14244940.292223778 | 12832022 | 48328263.235209994 | 66264967.339926034 | 169029382.15064982 | 1300007.31888 | 1300007.31888 | 3839642 | 3839642 | 174169031.4695298
Avoirs à l'étranger | 2499662 | 0 | 2242484.118473841 | 5916290 | 8790641.41773 | 14629545.453478722 | 34078622.98968256 | 0 | 0 | 461458 | 461458 | 34540080.98968256
Avoirs dans les banques locales | 0 | 0 | 56973.07296798201 | 10438 | 42416.175 | 0 | 109827.24796798201 | 96719.76277 | 96719.76277 | 0 | 0 | 206547.010737982
Autres liquidités | 252973 | 49092.88003 | 3834.378419367 | 252127 | 72629.68746 | 1807308.524862009 | 2437965.470771376 | 19663.24009 | 19663.24009 | 102936 | 102936 | 2560564.710861376
35279976 | 2096886.5971500003 | 17586906.57989965 | 20335408 | 61088772.14329999 | 86692041.48711814 | 223079990.8074678 | 1486401.3698899997 | 1486401.3698899997 | 4484574 | 4484574 | 229050966.1773578
Bons B.R.H. | 6250000 | 591000 | 0 | 0 | 1150000 | 700000 | 8691000 | 0 | 0 | 0 | 0 | 8691000
Bons du Trésor / M.E.F. | 11200000 | 1022000 | 0 | 0 | 0 | 3200000 | 15422000 | 0 | 0 | 0 | 0 | 15422000
Autres Placements | 15482053.7 | 0 | 1477428.5341915528 | 2949447 | 24585371.000829995 | 30113313.473820463 | 74607613.70884201 | 690861.21273 | 690861.21273 | 0 | 0 | 75298474.92157201
Portefeuille net | 23153999 | 521825.8038 | 15523372.238962563 | 10755330 | 34525290.91696001 | 39132509.671160005 | 123612327.63088259 | 5293255.7954400005 | 5293255.7954400005 | 491544 | 491544 | 129397127.4263226
Immobilisations | 2315853.82957 | 346100.119 | 1016837.3531599999 | 829430 | 2964273.2938 | 2796458.69355 | 10268953.28908 | 651716.62703 | 651716.62703 | 296412 | 296412 | 11217081.91611
Autres actifs | 2212320 | 1038265.9839999999 | 398276.1636587373 | 690115 | 5455522.977029999 | 2503831.596826054 | 12298331.721514791 | 1571018.1404 | 1571018.1404 | 21555 | 21555 | 13890904.861914791
95894202.52957 | 5616078.503950001 | 36002820.8698725 | 35559730 | 129769230.33191998 | 165138154.92247465 | 467980217.1577872 | 9693253.14549 | 9693253.14549 | 5294085 | 5294085 | 482967555.3032772
PASSIF
Dépôts
À vue | 36558392 | 2351493.80142 | 11570138.630378688 | 11912476 | 48802297.57313192 | 59379935.80913526 | 170574733.81406587 | 2569736.4527299996 | 2569736.4527299996 | 3221579 | 3221579 | 176366049.26679587
Épargne | 24277053 | 562387.44738 | 5415970.56163808 | 6668479 | 34874777.690899506 | 54597523.755666494 | 126396191.45558408 | 861817.0721199999 | 861817.0721199999 | 694955 | 694955 | 127952963.52770407
À terme | 13043465 | 1932603.0099799999 | 11959572.850028865 | 10764480 | 23988193.938111547 | 27078903.43809535 | 88767218.23621576 | 3129995.18319 | 3129995.18319 | 4256 | 4256 | 91901469.41940576
73878910 | 4846484.25878 | 28945682.04204563 | 29345435 | 107665269.20214297 | 141056363.0028971 | 385738143.50586575 | 6561548.708039999 | 6561548.708039999 | 3920790 | 3920790 | 396220482.2139057
Obligations à vue
Banques locales | 0 | 0 | 300000 | 0 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2791197.5 | 149136.24042 | 1391485.8109881813 | 1155698 | 4603877.526079999 | 4160825.239728064 | 14252220.317216244 | 185009.17542 | 185009.17542 | 821434 | 821434 | 15258663.492636243
2791197.5 | 149136.24042 | 1691485.8109881813 | 1155698 | 4603877.526079999 | 4160825.239728064 | 14552220.317216244 | 185009.17542 | 185009.17542 | 821434 | 821434 | 15558663.492636243
Obligations à terme
Banques locales | 5167473 | 0 | 2085749.62557 | 590349 | 5062614.20714 | 4109846.3398700003 | 17016032.17258 | 1718044.49071 | 1718044.49071 | 0 | 0 | 18734076.66329
Banque à l'étranger | 0 | 0 | 0 | 0 | 736.44127 | 0 | 736.44127 | 5665.665 | 5665.665 | 0 | 0 | 6402.10627
Autres | 4787717 | 929679.47653 | 173580.32458550198 | 130508 | 1243095.98073 | 1939963.159711875 | 9204543.941557378 | 352935.66617 | 352935.66617 | 105411 | 105411 | 9662890.607727377
9955190 | 929679.47653 | 2259329.9501555017 | 720857 | 6306446.62914 | 6049809.499581875 | 26221312.55540738 | 2076645.8218800002 | 2076645.8218800002 | 105411 | 105411 | 28403369.37728738
Autres passifs | 1047021 | 21695.65265 | 349577.696580012 | 1140518 | 3402257.8555199997 | 2072495.57448897 | 8033565.779238982 | 141499.95392 | 141499.95392 | 0 | 0 | 8175065.733158982
87672318.5 | 5946995.628379999 | 33246075.499769323 | 32362508 | 121977851.21288297 | 153339493.31669602 | 434545242.1577283 | 8964703.65926 | 8964703.65926 | 4847635 | 4847635 | 448357580.8169883
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 727340.26157 | 810000 | 3000000 | 6398450 | 14100790.26157 | 300000 | 300000 | 103837 | 103837 | 14504627.26157
Réserves | 1148548 | 126300.688 | 216699.57184 | 355156 | 958280.3455399999 | 2083232.24989 | 4888216.85527 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 5209110.1446
Réserves (Prov. Pour pertes sur prêts) | 1620018 | 0 | 0 | 0 | 0 | 0 | 1620018 | 0 | 0 | 0 | 0 | 1620018
Surplus d'apport | 0 | 104325 | 1164266.7538800002 | 1384 | 0 | 0 | 1269975.7538800002 | 0 | 0 | 0 | 0 | 1269975.7538800002
BNR | 2453318 | -726542.81244 | 648438.7829100001 | 2030682 | 3833098.7735599964 | 3316979.35932 | 11555974.103349997 | 166944.19687 | 166944.19687 | 283325 | 283325 | 12006243.300219996
8221884 | -330917.12444000004 | 2756745.3702000002 | 3197222 | 7791379.119099997 | 11798661.60921 | 33434974.974069998 | 728549.4861999999 | 728549.4861999999 | 446450 | 446450 | 34609974.460269995
95894202.5 | 5616078.503939998 | 36002820.86996932 | 35559730 | 129769230.33198297 | 165138154.925906 | 467980217.1317984 | 9693253.145459998 | 9693253.145459998 | 5294085 | 5294085 | 482967555.27725834
Hors-bilan
Effets à l'encaissement | 1410058 | 0 | 0 | 0 | 11435.41373 | 234.099873905 | 1421727.513603905 | 0 | 0 | 0 | 0 | 1421727.513603905
Crédit documentaire | 211946 | 0 | 0 | 0 | 2114591.22562 | 1617003.477455793 | 3943540.703075793 | 0 | 0 | 0 | 0 | 3943540.703075793
Autres | 8293817 | 227969.70310999997 | 1789185.436472847 | 349138 | 9294164.66802 | 1424670.682867292 | 21378945.490470137 | 507411.65949999995 | 507411.65949999995 | 0 | 0 | 21886357.149970137
Portefeuille brut | 24894187 | 1437386.0583 | 16125823.487461168 | 11057646 | 36394769.769250005 | 40325295.26905 | 130235107.58406118 | 5525516.962850001 | 5525516.962850001 | 491544 | 491544 | 136252168.54691118
Provisions pour créances douteuses | 1740188 | 915560.2544999999 | 602451.2484986051 | 302316 | 1869478.85229 | 1192785.59789 | 6622779.953178605 | 232261.16741 | 232261.16741 | 0 | 0 | 6855041.120588605
Portefeuille de crédit improductif | 6998938 | 1190105.2352672191 | 400065.55342508695 | 149937 | 1210055 | 403256.72712 | 10352357.515812308 | 532988 | 532988 | 0 | 0 | 10885345.515812308
Dépôts US convertis | 23541423.5 | 1804778.8648800002 | 13351901.36486042 | 13861977 | 48146411.06139225 | 65796994.96058878 | 166503486.75172144 | 3187927.4847999997 | 3187927.4847999997 | 2110639 | 2110639 | 171802053.23652145
Immobilisation /A | 0.28166948470326264 | -1.0458815619943924 | 0.3688542888842247 | 0.2594220857982336 | 0.38045553277381927 | 0.23701490780675435 | 0.3071320764272722 | 0.894539958334542 | 0.894539958334542 | 0.663931011311457 | 0.663931011311457 | 0.3240996877644762
Liquidité en % de l'actif | 0.5498765786569856 | 0.660583108754747 | 0.48848690616397056 | 0.5718662093328605 | 0.4796111681028504 | 0.5485833454397456 | 0.5282124793837655 | 0.15334391329515426 | 0.15334391329515426 | 0.8470914237304463 | 0.8470914237304463 | 0.524184209472176
Liquidité en % des dépôts | 0.71373516474458 | 0.7654799642501854 | 0.6075830776539809 | 0.6929666573352892 | 0.5780765942863698 | 0.6422400206452048 | 0.6408310792414773 | 0.22653209417902848 | 0.22653209417902848 | 1.1437934701935069 | 1.1437934701935069 | 0.638947196174183
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 86692041.48711814 | BNC | 6250000 | UNIBK | 39132509.671160005 | UNIBK | 11798661.60921
SOGEBK | 61088772.14329999 | SOGEBK | 1150000 | SOGEBK | 34525290.91696001 | BNC | 8221884
BNC | 35279976 | UNIBK | 700000 | BNC | 23153999 | SOGEBK | 7791379.119099997
CAPITALBK | 20335408 | BPH | 591000 | BUH | 15523372.238962563 | CAPITALBK | 3197222
BUH | 17586906.57989965 | BUH | 0 | CAPITALBK | 10755330 | BUH | 2756745.3702000002
CBNA | 4484574 | CAPITALBK | 0 | SOGEBL | 5293255.7954400005 | SOGEBL | 728549.4861999999
BPH | 2096886.5971500003 | CBNA | 0 | BPH | 521825.8038 | CBNA | 446450
SOGEBL | 1486401.3698899997 | SOGEBL | 0 | CBNA | 491544 | BPH | -330917.12444000004
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbamars 20 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 MARS 2020
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 7776647.6 | 307528.80507 | 1012087.8492968641 | 994217 | 3377509.92953 | 3473532.274444528 | 16941523.45834139 | 28687.53374 | 28687.53374 | 72580 | 72580 | 17042790.99208139
Avoirs à la BRH | 24610577.28 | 1865114.3940499998 | 10178311.01284821 | 10555566 | 41671302.48884 | 54086808.92859341 | 142967680.1043316 | 1156048.25308 | 1156048.25308 | 3690840 | 3690840 | 147814568.35741162
Avoirs à l'étranger | 1811850.53 | 792.67539 | 1282809.24243768 | 3439666 | 5405934.331990001 | 12220400.784237327 | 24161453.56405501 | 0 | 0 | 1329082 | 1329082 | 25490535.56405501
Avoirs dans les banques locales | 0 | 0 | 55946.16833211201 | 9967 | 11223.04 | 0 | 77136.208332112 | 195634.65436 | 195634.65436 | 0 | 0 | 272770.862692112
Autres liquidités | 293899.25 | 32114.35076 | 18182.5028212 | 331243 | 114321.06595000002 | 774728.70447612 | 1564488.87400732 | 105115.48004 | 105115.48004 | 54849 | 54849 | 1724453.35404732
34492974.660000004 | 2205550.22527 | 12547336.775736064 | 15330659 | 50580290.85631 | 70555470.69175139 | 185712282.20906743 | 1485485.9212200001 | 1485485.9212200001 | 5147351 | 5147351 | 192345119.1302875
Bons B.R.H. | 6350000 | 754000 | 599700 | 200000 | 2400000 | 3400000 | 13703700 | 0 | 0 | 0 | 0 | 13703700
Bons du Trésor / M.E.F. | 9200000 | 401000 | 0 | 0 | 0 | 1700000 | 11301000 | 0 | 0 | 0 | 0 | 11301000
Autres Placements | 12255856.3 | 0 | 608948.6497838618 | 2080192 | 21040166.725150004 | 28084751.92451871 | 64069915.59945257 | 983064.94456 | 983064.94456 | 0 | 0 | 65052980.54401257
Portefeuille net | 21515500.900000002 | 690378.5185499999 | 14611906.309788024 | 10865072 | 31712103.112940002 | 35962296.2653 | 115357257.10657802 | 4859412.630299999 | 4859412.630299999 | 668207 | 668207 | 120884876.73687802
Immobilisations | 2280409.66876 | 348079.55078 | 1015424.75721 | 789170 | 3082839.2359100003 | 2783113.95739 | 10299037.170049999 | 628202.35713 | 628202.35713 | 291474 | 291474 | 11218713.52718
Autres actifs | 2143863.1799999997 | 649148.56492 | 391764.72360745596 | 568612 | 5377338.09899 | 3150172.960011396 | 12280899.527528852 | 1066408.02637 | 1066408.02637 | 35487 | 35487 | 13382794.553898852
88238604.70876002 | 5048156.8595199995 | 29775081.216125403 | 29833705 | 114192738.02929999 | 145635805.7989715 | 412724091.612677 | 9022573.87958 | 9022573.87958 | 6142519 | 6142519 | 427889184.492257
PASSIF
Dépôts
À vue | 33183659 | 2019952.5003 | 9147393.753796978 | 9755711 | 40764134.36102999 | 53414186.628390744 | 148285037.2435177 | 2150831.14615 | 2150831.14615 | 4211896 | 4211896 | 154647764.3896677
Épargne | 22574142.6 | 502381.67238999996 | 4523438.91383672 | 5870244 | 30253888.943820003 | 47342816.10248767 | 111066912.2325344 | 744707.1617200001 | 744707.1617200001 | 563043 | 563043 | 112374662.39425439
À terme | 11819613.227745632 | 1778466.76812 | 9567618.368680865 | 8772789 | 21904864.55863928 | 24537196.43598253 | 78380548.3591683 | 2774515.54645 | 2774515.54645 | 4256 | 4256 | 81159319.90561831
67577414.82774563 | 4300800.94081 | 23238451.036314562 | 24398744 | 92922887.86348927 | 125294199.16686094 | 337732497.8352204 | 5670053.85432 | 5670053.85432 | 4779195 | 4779195 | 348181746.6895404
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2119444.9 | 143461.48152 | 1313863.2200683665 | 834776 | 5371063.6517199995 | 4006492.4700985635 | 13789101.72340693 | 177588.07945 | 177588.07945 | 848368 | 848368 | 14815057.80285693
2119444.9 | 143461.48152 | 1313863.2200683665 | 834776 | 5371063.6517199995 | 4006492.4700985635 | 13789101.72340693 | 177588.07945 | 177588.07945 | 848368 | 848368 | 14815057.80285693
Obligations à terme
Banques locales | 4675930 | 0 | 2134106.92728 | 602183 | 5036485.515559999 | 1632670.0277200001 | 14081375.47056 | 1789726.22193 | 1789726.22193 | 0 | 0 | 15871101.69249
Banque à l'étranger | 0 | 0 | 0 | 0 | 196738.28617 | 0 | 196738.28617 | 195945.6 | 195945.6 | 0 | 0 | 392683.88617
Autres | 4456319 | 616063.8972 | 102935.8676676816 | 79943 | 682443.7352400001 | 1161112.8761488642 | 7098818.376256546 | 249383.22950999998 | 249383.22950999998 | 84630 | 84630 | 7432831.605766546
9132249 | 616063.8972 | 2237042.7949476815 | 682126 | 5915667.53697 | 2793782.9038688643 | 21376932.132986546 | 2235055.05144 | 2235055.05144 | 84630 | 84630 | 23696617.184426546
Autres passifs | 1097193.00098 | 22154.631520000003 | 324051.2642671361 | 861332 | 3129063.52558 | 1648896.8169656321 | 7082691.239312768 | 231798.35713 | 231798.35713 | 0 | 0 | 7314489.596442768
79926301.72872564 | 5082480.951049999 | 27113408.315597743 | 26776978 | 107338682.57775928 | 133743371.35779402 | 379981222.9309267 | 8314495.34234 | 8314495.34234 | 5712193 | 5712193 | 394007911.2732667
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 727340.26157 | 810000 | 3000000 | 6403480.04 | 14105820.30157 | 300000 | 300000 | 103837 | 103837 | 14509657.30157
Réserves | 959252 | 78594.77100000001 | 208891.59874 | 391254 | 1001660.3455399999 | 1360455.52707 | 4000108.24235 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 4321001.53168
Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000
Surplus d'apport | 0 | 14325 | 1164266.7538800002 | 1384 | 0 | 0 | 1179975.7538800002 | 0 | 0 | 0 | 0 | 1179975.7538800002
BNR | 4193051 | -292243.86253 | 561174.286358953 | 1854089 | 2852395.1060999963 | 4128498.8750299998 | 13296964.404958948 | 146473.24791 | 146473.24791 | 267201 | 267201 | 13710638.652868949
8312303 | -34324.091529999976 | 2661672.900548953 | 3056727 | 6854055.451639997 | 11892434.4421 | 32742868.70275895 | 708078.53724 | 708078.53724 | 430326 | 430326 | 33881273.23999895
88238604.72872564 | 5048156.8595199995 | 29775081.216146696 | 29833705 | 114192738.02939928 | 145635805.799894 | 412724091.6336856 | 9022573.87958 | 9022573.87958 | 6142519 | 6142519 | 427889184.51326555
Hors-bilan
Effets à l'encaissement | 1219162.6 | 0 | 0 | 0 | 8313.37009 | 1625.6101626920001 | 1229101.580252692 | 0 | 0 | 0 | 0 | 1229101.580252692
Crédit documentaire | 183253 | 0 | 0 | 0 | 1944464.5675800003 | 1476175.735910064 | 3603893.3034900646 | 0 | 0 | 0 | 0 | 3603893.3034900646
Autres | 8464977.6 | 244819.008726256 | 2142216.11721568 | 305573 | 8405735.0967 | 1212434.7700368483 | 20775755.592678785 | 626489.42224 | 626489.42224 | -1015248.1298199999 | -1015248.1298199999 | 20386996.885098785
Portefeuille brut | 22873844.1 | 1346650.99485 | 15149013.818675995 | 10947901 | 33505490.416810002 | 36618062.65118 | 120440962.981516 | 5057445.13242 | 5057445.13242 | 668207 | 668207 | 126166615.113936
Provisions pour créances douteuses | 1358343.2 | 656272.4763 | 537107.508887971 | 82829 | 1793387.30387 | 655766.38588 | 5083705.874937971 | 198032.50212 | 198032.50212 | 0 | 0 | 5281738.377057971
Portefeuille de crédit improductif | 5355879.699999999 | 1075775.064724432 | 240735.720208016 | 98154 | 649686 | 321541.31422 | 7741771.799152448 | 678754.10549 | 678754.10549 | 0 | 0 | 8420525.904642448
Dépôts US convertis | 23541423.5 | 1804778.8648800002 | 13351901.36486042 | 13861977 | 48146411.06139225 | 65796994.96058878 | 166503486.75172144 | 3187927.4847999997 | 3187927.4847999997 | 2110639 | 2110639 | 171802053.23652145
Immobilisation /A | 0.27434149943282865 | -10.140969076363497 | 0.38149870218860293 | 0.2581748386427705 | 0.4497832352920864 | 0.2340239057814432 | 0.3145429089779843 | 0.8871930500515562 | 0.8871930500515562 | 0.6773329987033087 | 0.6773329987033087 | 0.33111841599670494
Liquidité en % de l'actif | 0.567132433985914 | 0.6656984556517 | 0.44154495097114876 | 0.5205742632368323 | 0.46395499197782725 | 0.5194839982976609 | 0.5105516893518681 | 0.16464103714151568 | 0.16464103714151568 | 0.8379869887256352 | 0.8379869887256352 | 0.5079581980745779
Liquidité en % des dépôts | 0.740528100809408 | 0.7813777646349482 | 0.565744969627764 | 0.6365351839422554 | 0.5701532967221385 | 0.6038226126574063 | 0.6239168085976619 | 0.26198797390402423 | 0.26198797390402423 | 1.077033056822331 | 1.077033056822331 | 0.62424242855008
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 70555470.69175139 | BNC | 6350000 | UNIBK | 35962296.2653 | UNIBK | 11892434.4421
SOGEBK | 50580290.85631 | UNIBK | 3400000 | SOGEBK | 31712103.112940002 | BNC | 8312303
BNC | 34492974.660000004 | SOGEBK | 2400000 | BNC | 21515500.900000002 | SOGEBK | 6854055.451639997
CAPITALBK | 15330659 | BPH | 754000 | BUH | 14611906.309788024 | CAPITALBK | 3056727
BUH | 12547336.775736064 | BUH | 599700 | CAPITALBK | 10865072 | BUH | 2661672.900548953
CBNA | 5147351 | CAPITALBK | 200000 | SOGEBL | 4859412.630299999 | SOGEBL | 708078.53724
BPH | 2205550.22527 | CBNA | 0 | BPH | 690378.5185499999 | CBNA | 430326
SOGEBL | 1485485.9212200001 | SOGEBL | 0 | CBNA | 668207 | BPH | -34324.091529999976
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbadec. 19 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 DECEMBRE 2019
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 8343138 | 169554.05348 | 829114.3198427279 | 1024631 | 2714731.04484 | 2132727.727248616 | 15213896.145411344 | 33701.15597 | 33701.15597 | 60618 | 60618 | 15308215.301381344
Avoirs à la BRH | 22167336 | 1931558.9732599999 | 10204980.17610909 | 10293766 | 39856287.88824 | 52683359.19809669 | 137137288.2357058 | 929740.72968 | 929740.72968 | 4025076 | 4025076 | 142092104.9653858
Avoirs à l'étranger | 1658449 | 2171.276 | 1675414.86728385 | 3363126 | 3920621.2111099996 | 7998791.138207278 | 18618573.492601126 | 0 | 0 | 361857 | 361857 | 18980430.492601126
Avoirs dans les banques locales | 0 | 0 | 33844.697725668004 | 5826 | 11019 | 0 | 50689.697725668004 | 45285.498470000006 | 45285.498470000006 | 0 | 0 | 95975.19619566802
Autres liquidités | 365032.4 | 29196.75036 | 8831.204434038 | 65473 | 251409.79791 | 597103.3215322581 | 1317046.474236296 | 16602.60377 | 16602.60377 | 82443 | 82443 | 1416092.078006296
32533955.4 | 2132481.0530999997 | 12752185.265395373 | 14752822 | 46754068.942099996 | 63411981.385084845 | 172337494.04568022 | 1025329.98789 | 1025329.98789 | 4529994 | 4529994 | 177892818.03357023
Bons B.R.H. | 4850000 | 704000 | 400000 | 200000 | 400000 | 0 | 6554000 | 0 | 0 | 0 | 0 | 6554000
Bons du Trésor / M.E.F. | 7625263 | 516070.17525 | 0 | 0 | 0 | 112500.00003 | 8253833.17528 | 0 | 0 | 0 | 0 | 8253833.17528
Autres Placements | 12357213.5 | 0 | 324167.721583674 | 2304832 | 18566119.05058 | 28861067.808358528 | 62413400.0805222 | 799846.90839 | 799846.90839 | 0 | 0 | 63213246.9889122
Portefeuille net | 21228394.5 | 693888.50057 | 14435059.595338501 | 11053037 | 31085149.57939 | 35548142.796409994 | 114043671.97170849 | 4647070.38344 | 4647070.38344 | 637305 | 637305 | 119328047.3551485
Immobilisations | 2217737.82076 | 350828.33882999996 | 1097630.35347 | 797417 | 2946847.726970001 | 2660569.3925000005 | 10071030.632530002 | 585703.51107 | 585703.51107 | 280979 | 280979 | 10937713.143600002
Autres actifs | 2337235.4 | 613658.86876 | 297789.200606162 | 773584 | 4684650.343819998 | 3075508.623717272 | 11782426.436903434 | 981391.7885799999 | 981391.7885799999 | 44539 | 44539 | 12808357.225483434
83149799.62076001 | 5010926.936509999 | 29306832.13639371 | 29881692 | 104436835.64286 | 133669770.00610064 | 385455856.3426243 | 8039342.5793699995 | 8039342.5793699995 | 5492817 | 5492817 | 398988015.9219943
PASSIF
Dépôts
À vue | 31000481.311380286 | 2112346.43763 | 8839585.076218568 | 8919446 | 34718381.79021001 | 45342489.50369419 | 130932730.11913306 | 1932650.04872 | 1932650.04872 | 3367385 | 3367385 | 136232765.16785306
Épargne | 21436706.75 | 498484.99631 | 4340003.678587761 | 5570126 | 29068346.352240004 | 44990855.020286836 | 105904522.7974246 | 722495.42304 | 722495.42304 | 524800 | 524800 | 107151818.2204646
À terme | 10918091.8 | 1691215.02097 | 9279863.87379632 | 9011871 | 20673742.332571365 | 23628131.485490173 | 75202915.51282786 | 2445874.8986299997 | 2445874.8986299997 | 14153 | 14153 | 77662943.41145785
63355279.86138028 | 4302046.45491 | 22459452.628602646 | 23501443 | 84460470.47502138 | 113961476.00947121 | 312040168.42938554 | 5101020.37039 | 5101020.37039 | 3906338 | 3906338 | 321047526.7997755
Obligations à vue
Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2226567.5 | 171202.38641 | 1181723.748625412 | 1245593 | 4299499.38372 | 3274161.771507476 | 12398747.790262887 | 167487.84716 | 167487.84716 | 1034240 | 1034240 | 13600475.637422888
2226567.5 | 171202.38641 | 1181723.748625412 | 1645593 | 4299499.38372 | 3274161.771507476 | 12798747.790262887 | 167487.84716 | 167487.84716 | 1034240 | 1034240 | 14000475.637422888
Obligations à terme
Banques locales | 4370634 | 12499.99981 | 2182464.2289899997 | 614018 | 4989281.53767 | 1667560.38057 | 13836458.14704 | 1726579.7366900002 | 1726579.7366900002 | 0 | 0 | 15563037.88373
Banque à l'étranger | 0 | 0 | 0 | 0 | 592.90439 | 0 | 592.90439 | 0 | 0 | 0 | 0 | 592.90439
Autres | 4160766 | 529769.75872 | 207498.667544556 | 177927 | 908379.81311 | 1940296.7348619478 | 7924637.974236503 | 122730.36672 | 122730.36672 | 118875 | 118875 | 8166243.3409565035
8531400 | 542269.75853 | 2389962.8965345556 | 791945 | 5898254.255170001 | 3607857.1154319476 | 21761689.025666505 | 1849310.1034100002 | 1849310.1034100002 | 118875 | 118875 | 23729874.129076503
Autres passifs | 1190439.2 | 27621.40575 | 297304.929898544 | 821065 | 1911822.68108 | 1583729.473737282 | 5831982.690465826 | 175006.74182 | 175006.74182 | 0 | 0 | 6006989.432285826
75303686.56138028 | 5043140.0056 | 26328444.20366116 | 26760046 | 96570046.79499137 | 122427224.37014791 | 352432587.93578076 | 7292825.06278 | 7292825.06278 | 5059453 | 5059453 | 364784865.9985608
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728457.76157 | 810000 | 1500000 | 6404700 | 12608157.76157 | 300000 | 300000 | 103837 | 103837 | 13011994.76157
Réserves | 959252 | 78594.77100000001 | 350389.25453 | 352745 | 2630258.98559 | 1398588.42176 | 5769828.43288 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 6090721.72221
Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000
Surplus d'apport | 0 | 14325 | 1169722.8492 | 1384 | 376690.93492 | 0 | 1562122.78412 | 0 | 0 | 0 | 0 | 1562122.78412
BNR | 3726861 | -290132.84009 | 729818.06774 | 1957517 | 3359838.927359999 | 3439257.21508 | 12923159.37009 | 184912.22712 | 184912.22712 | 270239 | 270239 | 13378310.597210001
7846113 | -32213.069090000005 | 2978387.9330399996 | 3121646 | 7866788.84787 | 11242545.63684 | 33023268.34866 | 746517.51645 | 746517.51645 | 433364 | 433364 | 34203149.86511
83149799.56138028 | 5010926.936509999 | 29306832.13670116 | 29881692 | 104436835.64286137 | 133669770.00698791 | 385455856.28444076 | 8039342.57923 | 8039342.57923 | 5492817 | 5492817 | 398988015.86367065
Hors-bilan
Effets à l'encaissement | 1130009.911985724 | 0 | 0 | 0 | 17408.62483 | 7459.049455486001 | 1154877.58627121 | 0 | 0 | 0 | 0 | 1154877.58627121
Crédit documentaire | 172052 | 0 | 0 | 0 | 1741818.1021299998 | 1317411.573499098 | 3231281.675629098 | 0 | 0 | 0 | 0 | 3231281.675629098
Autres | 7625330.9 | 240211.306609718 | 1780494.321030456 | 355723 | 7247480.056159999 | 1585596.484271218 | 18834836.06807139 | 661678.79359 | 661678.79359 | 1660053.0692000003 | 1660053.0692000003 | 21156567.930861395
Portefeuille brut | 22412341.5 | 1343693.29287 | 14674191.220712345 | 11141578 | 32412227.28012 | 36108651.650249995 | 118092682.94395235 | 4831648.04036 | 4831648.04036 | 637305 | 637305 | 123561635.98431236
Provisions pour créances douteuses | 1183947 | 649804.7923 | 239131.625373844 | 88541 | 1327077.70073 | 560508.85384 | 4049010.9722438436 | 184577.65691999998 | 184577.65691999998 | 0 | 0 | 4233588.629163844
Portefeuille de crédit improductif | 5550185 | 1058370.002955788 | 159290.01422517598 | 71140 | 693133 | 298754.75405999995 | 7830872.771240964 | 683324.74497 | 683324.74497 | 0 | 0 | 8514197.516210964
Dépôts US convertis | 28840251.072280288 | 2657168.60872 | 15723987.843592647 | 18487266 | 61804803.15078137 | 82365052.3130812 | 209878528.9884555 | 4108356.97911 | 4108356.97911 | 3168913 | 3168913 | 217155798.9675655
Immobilisation /A | 0.28265433097382103 | -10.890869722776854 | 0.3685316950467442 | 0.2554476068074343 | 0.374593469324893 | 0.2366518650172738 | 0.30496771325599753 | 0.7845810689818276 | 0.7845810689818276 | 0.6483671924756094 | 0.6483671924756094 | 0.3197867210106681
Liquidité en % de l'actif | 0.5413027885248511 | 0.6690481164119663 | 0.44877539831617524 | 0.500400780518051 | 0.45150802063126055 | 0.47523446312667117 | 0.48551688641256585 | 0.1275390341644515 | 0.1275390341644515 | 0.8247123470525233 | 0.8247123470525233 | 0.48297353183290825
Liquidité en % des dépôts | 0.7104256898316764 | 0.7792921958161737 | 0.5855968746382426 | 0.6362512293394069 | 0.5582974932166107 | 0.557420661872047 | 0.5997475522556356 | 0.20100488009060982 | 0.20100488009060982 | 1.159652339352099 | 1.159652339352099 | 0.6002246867611908
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 63411981.385084845 | BNC | 4850000 | UNIBK | 35548142.796409994 | UNIBK | 11242545.63684
SOGEBK | 46754068.942099996 | BPH | 704000 | SOGEBK | 31085149.57939 | SOGEBK | 7866788.84787
BNC | 32533955.4 | BUH | 400000 | BNC | 21228394.5 | BNC | 7846113
CAPITALBK | 14752822 | SOGEBK | 400000 | BUH | 14435059.595338501 | CAPITALBK | 3121646
BUH | 12752185.265395373 | CAPITALBK | 200000 | CAPITALBK | 11053037 | BUH | 2978387.9330399996
CBNA | 4529994 | UNIBK | 0 | SOGEBL | 4647070.38344 | SOGEBL | 746517.51645
BPH | 2132481.0530999997 | CBNA | 0 | BPH | 693888.50057 | CBNA | 433364
SOGEBL | 1025329.98789 | SOGEBL | 0 | CBNA | 637305 | BPH | -32213.069090000005
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbasept. 19]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 SEPTEMBRE 2019
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 11647368 | 231381.95525 | 1590411.1559866401 | 906639 | 4133868.5198899996 | 2346903.82135562 | 20856572.45248226 | 33777.61969 | 33777.61969 | 46578 | 46578 | 20936928.07217226
Avoirs à la BRH | 17585337 | 1495337.37768 | 9070036.153152673 | 10701200 | 38966197.58544999 | 52050817.13178205 | 129868925.24806473 | 989615.4772099999 | 989615.4772099999 | 4167116 | 4167116 | 135025656.72527474
Avoirs à l'étranger | 2328011.06 | 353802.10764 | 986479.0003250521 | 3391357 | 4759170.6993 | 7380096.758453228 | 19198916.62571828 | 0 | 0 | 1033589 | 1033589 | 20232505.62571828
Avoirs dans les banques locales | 0 | 0 | 28031.539728848 | 2278 | 5592 | 0 | 35901.539728848 | 102226.08649999999 | 102226.08649999999 | 0 | 0 | 138127.626228848
Autres liquidités | 145328.3 | 6167.925020000001 | 4424.70291733 | 27937 | 371122.39983999997 | 395833.213658144 | 950813.541435474 | 5765.78631 | 5765.78631 | 78180 | 78180 | 1034759.327745474
31706044.36 | 2086689.36559 | 11679382.552110543 | 15029411 | 48235951.20447999 | 62173650.92524904 | 170911129.4074296 | 1131384.96971 | 1131384.96971 | 5325463 | 5325463 | 177367977.37713957
Bons B.R.H. | 1000000 | 540000 | 300000 | 0 | 0 | 0 | 1840000 | 0 | 0 | 0 | 0 | 1840000
Bons du Trésor / M.E.F. | 7900000 | 410833.33315 | 0 | 0 | 0 | 25000.00004 | 8335833.333190001 | 0 | 0 | 0 | 0 | 8335833.333190001
Autres Placements | 14929633.900000002 | 35120.15096 | 347309.5696432779 | 2172148 | 19037189.698299997 | 30216934.90483751 | 66738336.22374079 | 962311.2083999999 | 962311.2083999999 | 0 | 0 | 67700647.43214078
Portefeuille net | 21240071.6 | 735168.3774700001 | 15103214.604820965 | 11531934 | 32111842.915229995 | 38736782.90442001 | 119459014.40194097 | 4681835.28272 | 4681835.28272 | 610585 | 610585 | 124751434.68466097
Immobilisations | 2162320.96383 | 354057.22569 | 1080246.5478400001 | 804175 | 2927240.25415 | 2625048.9294 | 9953088.92091 | 587881.4545400001 | 587881.4545400001 | 285583 | 285583 | 10826553.37545
Autres actifs | 2553854.05 | 634135.90074 | 291268.22477760597 | 490202 | 2989154.935 | 3134352.5027246904 | 10092967.613242297 | 999816.4257599998 | 999816.4257599998 | 29845 | 29845 | 11122629.039002296
81491924.87383 | 4796004.353600001 | 28801421.49919239 | 30027870 | 105301379.00716 | 136911770.16667125 | 387330369.9004536 | 8363229.34113 | 8363229.34113 | 6251476 | 6251476 | 401945075.24158365
PASSIF
Dépôts
À vue | 30965606.5 | 1874150.12732 | 8787925.67711029 | 9656431 | 36008544.29994681 | 48821346.50753637 | 136114004.11191344 | 2063495.00366 | 2063495.00366 | 4022761 | 4022761 | 142200260.11557344
Épargne | 20468012 | 483361.85274999996 | 4212126.49339006 | 5580434 | 28544183.309672147 | 43263547.106108956 | 102551664.76192117 | 772508.68417 | 772508.68417 | 524317 | 524317 | 103848490.44609116
À terme | 10625179 | 1705567.75985 | 9161785.64954533 | 8876056 | 21724314.25017037 | 23900210.241102997 | 75993112.9006687 | 2442085.99376 | 2442085.99376 | 14286 | 14286 | 78449484.8944287
62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978933 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933
Obligations à vue
Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2578834.38 | 190865.36939 | 1081190.57453524 | 1040575 | 4715026.590960002 | 3180921.766413789 | 12787413.68129903 | 160795.95508 | 160795.95508 | 1151233 | 1151233 | 14099442.636379031
2578834.38 | 190865.36939 | 1081190.57453524 | 1440575 | 4715026.590960002 | 3180921.766413789 | 13187413.68129903 | 160795.95508 | 160795.95508 | 1151233 | 1151233 | 14499442.636379031
Obligations à terme
Banques locales | 4373103 | 24999.99982 | 2246940.63127 | 609610 | 4003233.8392 | 2690584.06942 | 13948471.53971 | 1945749.74799 | 1945749.74799 | 0 | 0 | 15894221.287700001
Banque à l'étranger | 0 | 0 | 0 | 0 | 659.73434 | 0 | 659.73434 | 0 | 0 | 0 | 0 | 659.73434
Autres | 4031664.87 | 533506.28177 | 218084.66752436 | 180533 | 742923.17369 | 979726.8818084379 | 6686438.8747927975 | 102014.82672 | 102014.82672 | 100654 | 100654 | 6889107.701512798
8404767.870000001 | 558506.28159 | 2465025.29879436 | 790143 | 4746816.74723 | 3670310.951228438 | 20635570.148842797 | 2047764.57471 | 2047764.57471 | 100654 | 100654 | 22783988.7235528
Autres passifs | 1093076.22 | 26859.91163 | 250201.773827278 | 824832 | 2041627.0657100002 | 1975849.3866187278 | 6212446.357786005 | 167938.88543 | 167938.88543 | 0 | 0 | 6380385.243216005
74135475.97 | 4839311.30253 | 25958255.467202555 | 27168471 | 97780512.26368931 | 124812185.95900927 | 354694211.96243113 | 7654589.09681 | 7654589.09681 | 5813251 | 5813251 | 368162052.0592411
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 728502.76157 | 810000 | 1500000 | 6404700 | 12608202.76157 | 250000 | 250000 | 103837 | 103837 | 12962039.76157
Réserves | 959252 | 78594.77100000001 | 360099.69334 | 358225 | 2480397.4225700004 | 1395127.22788 | 5631696.114790001 | 305532.74332999997 | 305532.74332999997 | 59288 | 59288 | 5996516.858120001
Réserves (Prov. Pour pertes sur prêts) | 159999.9 | 0 | 0 | 0 | 0 | 0 | 159999.9 | 0 | 0 | 0 | 0 | 159999.9
Surplus d'apport | 0 | 14325 | 1170091.23698 | 1384 | 376690.93492 | 0 | 1562491.1719 | 0 | 0 | 0 | 0 | 1562491.1719
BNR | 3237197 | -301226.71992999996 | 584472.340098 | 1689790 | 3163778.386000003 | 4299756.9795200005 | 12673767.985688005 | 153107.5009 | 153107.5009 | 275100 | 275100 | 13101975.486588005
7356448.9 | -43306.948929999955 | 2843166.031988 | 2859399 | 7520866.743490003 | 12099584.207400002 | 32636157.933948003 | 708640.24423 | 708640.24423 | 438225 | 438225 | 33783023.178178005
81491924.87 | 4796004.3536 | 28801421.499190554 | 30027870 | 105301379.00717932 | 136911770.16640928 | 387330369.8963791 | 8363229.34104 | 8363229.34104 | 6251476 | 6251476 | 401945075.2374191
Hors-bilan
Effets à l'encaissement | 1146373 | 0 | 0 | 0 | 11996.07348 | 629.0437063559999 | 1158998.117186356 | 0 | 0 | 0 | 0 | 1158998.117186356
Crédit documentaire | 355824 | 0 | 0 | 0 | 1838622.5177399998 | 1317310.419578244 | 3511756.937318244 | 0 | 0 | 0 | 0 | 3511756.937318244
Autres | 7735704.5 | 185921.176250502 | 1541318.249651364 | 372570 | 6761928.37086 | 1528207.0292863299 | 18125649.326048195 | 573018.68422 | 573018.68422 | 1660053.0692000003 | 1660053.0692000003 | 20358721.079468198
Portefeuille brut | 22279445 | 1379034.11777 | 15312382.763147477 | 11608017 | 33371415.672019996 | 39251560.03829001 | 123201854.59122749 | 4855564.40193 | 4855564.40193 | 610585 | 610585 | 128668003.99315749
Provisions pour créances douteuses | 1039373.4 | 643865.7403 | 209168.15832651197 | 76083 | 1259572.75679 | 514777.13387 | 3742840.1892865123 | 173729.11921 | 173729.11921 | 0 | 0 | 3916569.3084965125
Portefeuille de crédit improductif | 5372195.4 | 1097885.9920405059 | 295927.794713266 | 89516 | 584779 | 295626.40215999994 | 7735930.588913772 | 673709.5898300001 | 673709.5898300001 | 0 | 0 | 8409640.178743772
Dépôts US convertis | 23541423.5 | 1804778.8648800002 | 13351901.36486042 | 13861977 | 48146411.06139225 | 65796994.96058878 | 166503486.75172144 | 3187927.4847999997 | 3187927.4847999997 | 2110639 | 2110639 | 171802053.23652145
Immobilisation /A | 0.2939354290668694 | -8.175529203460798 | 0.37994494014289754 | 0.28123916948981237 | 0.3892158116860392 | 0.21695364769597145 | 0.3049712206030489 | 0.8295908386896443 | 0.8295908386896443 | 0.6516812139882481 | 0.6516812139882481 | 0.3204731950230956
Liquidité en % de l'actif | 0.49828304366191334 | 0.6333444414953375 | 0.4159302537357905 | 0.5005153878713342 | 0.45807520907394933 | 0.4542973248360659 | 0.4675258559951292 | 0.13528087339969236 | 0.13528087339969236 | 0.8518729016955355 | 0.8518729016955355 | 0.46659064201149597
Liquidité en % des dépôts | 0.6543156811892786 | 0.7475912099130516 | 0.5405410259466402 | 0.6232928395527029 | 0.5590821169189977 | 0.5362641309799775 | 0.5755026499479476 | 0.2143550106123198 | 0.2143550106123198 | 1.1675154624800828 | 1.1675154624800828 | 0.5779501711210551
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 62173650.92524904 | BNC | 1000000 | UNIBK | 38736782.90442001 | UNIBK | 12099584.207400002
SOGEBK | 48235951.20447999 | BPH | 540000 | SOGEBK | 32111842.915229995 | SOGEBK | 7520866.743490003
BNC | 31706044.36 | BUH | 300000 | BNC | 21240071.6 | BNC | 7356448.9
CAPITALBK | 15029411 | SOGEBK | 0 | BUH | 15103214.604820965 | CAPITALBK | 2859399
BUH | 11679382.552110543 | UNIBK | 0 | CAPITALBK | 11531934 | BUH | 2843166.031988
CBNA | 5325463 | CAPITALBK | 0 | SOGEBL | 4681835.28272 | SOGEBL | 708640.24423
BPH | 2086689.36559 | CBNA | 0 | BPH | 735168.3774700001 | CBNA | 438225
SOGEBL | 1131384.96971 | SOGEBL | 0 | CBNA | 610585 | BPH | -43306.948929999955
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbajuin 19]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 JUIN 2019
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 11982283 | 315614.78811 | 1113361.989213056 | 993076 | 3495711.0859899996 | 2749285.8549670875 | 20649332.718280144 | 42897.90518 | 42897.90518 | 42580 | 42580 | 20734810.623460144
Avoirs à la BRH | 17747695 | 1635193.81648 | 9439364.16129016 | 10205637 | 37420113.96376 | 49879392.84955875 | 126327396.79108891 | 1729215.8649 | 1729215.8649 | 3909172 | 3909172 | 131965784.6559889
Avoirs à l'étranger | 1202134 | 205346.76658 | 458562.38617860794 | 3218982 | 3407569.6204 | 6343710.650730044 | 14836305.423888652 | 0 | 0 | 809139 | 809139 | 15645444.423888652
Avoirs dans les banques locales | 0 | 0 | 21109.625523824 | 1758 | 6325 | 0 | 29192.625523824 | 113162.24510999999 | 113162.24510999999 | 0 | 0 | 142354.870633824
Autres liquidités | 278630 | 110557.61192 | 55611.311322464 | 289557 | 160621.41852 | 1170631.7272742563 | 2065609.0690367203 | 27190.90036 | 27190.90036 | 251208 | 251208 | 2344007.9693967206
31210742 | 2266712.98309 | 11088009.47352811 | 14709010 | 44490341.08867 | 60143021.08253013 | 163907836.62781826 | 1912466.91555 | 1912466.91555 | 5012099 | 5012099 | 170832402.54336822
Bons B.R.H. | 2700000 | 426000 | 0 | 0 | 0 | 0 | 3126000 | 0 | 0 | 0 | 0 | 3126000
Bons du Trésor / M.E.F. | 6100000 | 292414.23022 | 0 | 0 | 0 | 71682.89429 | 6464097.12451 | 0 | 0 | 0 | 0 | 6464097.12451
Autres Placements | 14866470 | 35010.78178 | 275445.80895409605 | 1840481 | 19691555.809370004 | 29903002.573021054 | 66611965.97312515 | 926427.06897 | 926427.06897 | 0 | 0 | 67538393.04209515
Portefeuille net | 19740447 | 779968.12146 | 14688171.299303299 | 11118727 | 32194562.729650002 | 38529961.175417 | 117051837.32583031 | 4683890.061249999 | 4683890.061249999 | 679685 | 679685 | 122415412.38708031
Immobilisations | 2169508.45983 | 353895.38969 | 932043.11814 | 777888 | 2869940.6394499997 | 2539286.7570399996 | 9642562.364149999 | 554550.66622 | 554550.66622 | 288888 | 288888 | 10486001.030369999
Autres actifs | 2533069.5 | 303682.72689 | 362200.27670878824 | 718008 | 2929500.7683900003 | 3260633.6651251838 | 10107094.937113972 | 180037.43271999998 | 180037.43271999998 | 21460 | 21460 | 10308592.369833972
79320236.95983 | 4457684.2331300005 | 27345869.976634294 | 29164114 | 102175901.03553 | 134447588.1474234 | 376911394.3525477 | 8257372.144709999 | 8257372.144709999 | 6002132 | 6002132 | 391170898.4972576
PASSIF
Dépôts
À vue | 30754337 | 1893008.27036 | 7073515.86379707 | 9262760 | 33767611.934263065 | 44624601.117652364 | 127375834.1860725 | 2073396.5533099999 | 2073396.5533099999 | 3737546 | 3737546 | 133186776.7393825
Épargne | 20557113 | 453243.14145 | 4063563.12600971 | 5530043 | 28702730.978004172 | 43511240.18425867 | 102817933.42972255 | 768532.71214 | 768532.71214 | 557559 | 557559 | 104144025.14186254
À terme | 10274182 | 1722546.59852 | 9213858.421451889 | 8803045 | 22132008.02482242 | 24578501.850660704 | 76724141.895455 | 2290467.42385 | 2290467.42385 | 49293 | 49293 | 79063902.319305
61585632 | 4068798.01033 | 20350937.411258668 | 23595848 | 84602350.93708965 | 112714343.15257174 | 306917909.51125 | 5132396.6893 | 5132396.6893 | 4344398 | 4344398 | 316394704.2005501
Obligations à vue
Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2964770.5 | 149192.0974 | 1414164.4534648322 | 967747 | 3782334.43556 | 3284028.938525224 | 12562237.424950058 | 140273.03512000002 | 140273.03512000002 | 922190 | 922190 | 13624700.460070057
2964770.5 | 149192.0974 | 1414164.4534648322 | 1367747 | 3782334.43556 | 3284028.938525224 | 12962237.424950058 | 140273.03512000002 | 140273.03512000002 | 922190 | 922190 | 14024700.460070057
Obligations à terme
Banques locales | 2530859 | 37499.99983 | 2279178.83241 | 637249 | 3159665.53771 | 2951006.3766099997 | 11595458.74656 | 2037068.24095 | 2037068.24095 | 0 | 0 | 13632526.98751
Banque à l'étranger | 0 | 0 | 0 | 0 | 334971.40664 | 0 | 334971.40664 | 0 | 0 | 0 | 0 | 334971.40664
Autres | 3935010 | 230079.26776 | 271256.548848056 | 138694 | 937864.2086100001 | 905864.650602224 | 6418768.675820281 | 98676.59745 | 98676.59745 | 297097 | 297097 | 6814542.273270281
6465869 | 267579.26759 | 2550435.3812580556 | 775943 | 4432501.152960001 | 3856871.027212224 | 18349198.82902028 | 2135744.8384 | 2135744.8384 | 297097 | 297097 | 20782040.667420283
Autres passifs | 1133403.5 | 16117.721629999998 | 260462.750567728 | 794723 | 1946196.19222 | 2915743.173664944 | 7066646.338082672 | 187183.27197 | 187183.27197 | 0 | 0 | 7253829.610052672
72149675 | 4501687.09695 | 24575999.996549282 | 26534261 | 94763382.71782966 | 122770986.29197413 | 345295992.1033031 | 7595597.83479 | 7595597.83479 | 5563685 | 5563685 | 358455274.93809307
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 729502.76157 | 810000 | 1500000 | 6405950 | 12610452.76157 | 250000 | 250000 | 103837 | 103837 | 12964289.76157
Réserves | 929252 | 78594.77100000001 | 345931.59179 | 346086 | 2633808.02281 | 1289213.7989700001 | 5622886.18457 | 305797.94869 | 305797.94869 | 59288 | 59288 | 5987972.13326
Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000
Surplus d'apport | 0 | 14325 | 1179547.55698 | 1384 | 376690.93492 | 0 | 1571947.4919000003 | 0 | 0 | 0 | 0 | 1571947.4919000003
BNR | 3081310 | -301922.63482 | 514888.069745 | 1472383 | 2902019.35998 | 3981438.0579000004 | 11650115.852805 | 105976.36108999998 | 105976.36108999998 | 275322 | 275322 | 12031414.213895
7170562 | -44002.86381999997 | 2769869.980085 | 2629853 | 7412518.31771 | 11676601.85687 | 31615402.290845 | 661774.30978 | 661774.30978 | 438447 | 438447 | 32715623.600625
79320237 | 4457684.2331300005 | 27345869.976634283 | 29164114 | 102175901.03553966 | 134447588.14884412 | 376911394.394148 | 8257372.14457 | 8257372.14457 | 6002132 | 6002132 | 391170898.53871804
Hors-bilan
Effets à l'encaissement | 1132939 | 0 | 0 | 0 | 30042.307989999998 | 2864.298906772 | 1165845.6068967718 | 0 | 0 | 0 | 0 | 1165845.6068967718
Crédit documentaire | 375940 | 0 | 0 | 0 | 1583434.9459099998 | 1436801.892076672 | 3396176.837986672 | 0 | 0 | 0 | 0 | 3396176.837986672
Autres | 8643090 | 245243.60669952 | 873943.795979488 | 362887 | 4214526.60703 | 1567525.876719824 | 15907216.886428833 | 482992.97388999996 | 482992.97388999996 | 1660053.0692 | 1660053.0692 | 18050262.929518834
Portefeuille brut | 20556136 | 1419406.15287 | 14826167.01645421 | 11168927 | 33221405.85139 | 38865192.023017 | 120057234.04373121 | 4844420.9065499995 | 4844420.9065499995 | 679685 | 679685 | 125581339.95028122
Provisions pour créances douteuses | 815689 | 639438.03141 | 137995.71715091198 | 50200 | 1026843.1217400001 | 335230.8476 | 3005396.7179009123 | 160530.8452999999 | 160530.8452999999 | 0 | 0 | 3165927.563200912
Portefeuille de crédit improductif | 5192962 | 1002610.2359563679 | 147567.001349392 | 71312 | 1989100 | 70059.03913 | 8473610.27643576 | 903999.892 | 903999.892 | 0 | 0 | 9377610.16843576
Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333
Immobilisation /A | 0.30255766003138945 | -8.042553574186895 | 0.33649345450915286 | 0.2957914377723774 | 0.3871748461778682 | 0.21746795755873058 | 0.30499571934728265 | 0.8379755122321908 | 0.8379755122321908 | 0.6588892158003133 | 0.6588892158003133 | 0.32051967458659947
Liquidité en % de l'actif | 0.5044203539162719 | 0.6696587414434172 | 0.4054729099129876 | 0.5043530552651111 | 0.43542890875216467 | 0.4478674910166034 | 0.46031490783227763 | 0.2316072089321059 | 0.2316072089321059 | 0.8350531111278459 | 0.8350531111278459 | 0.46123702034327874
Liquidité en % des dépôts | 0.6496765674175431 | 0.733663161880059 | 0.5448402326368482 | 0.6233728069446794 | 0.5258759431136026 | 0.5342239709041524 | 0.5652910057566018 | 0.37262648063371706 | 0.37262648063371706 | 1.1536924103178392 | 1.1536924103178392 | 0.5702450049654293
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 60143021.08253013 | BNC | 2700000 | UNIBK | 38529961.175417 | UNIBK | 11676601.85687
SOGEBK | 44490341.08867 | BPH | 426000 | SOGEBK | 32194562.729650002 | BNC | 7170562
BNC | 31210742 | BUH | 0 | BNC | 19740447 | SOGEBK | 7412518.31771
CAPITALBK | 14709010 | SOGEBK | 0 | BUH | 14688171.299303299 | BUH | 2769869.980085
BUH | 11088009.47352811 | UNIBK | 0 | CAPITALBK | 11118727 | CAPITALBK | 2629853
CBNA | 5012099 | CAPITALBK | 0 | SOGEBL | 4683890.061249999 | SOGEBL | 661774.30978
BPH | 2266712.98309 | CBNA | 0 | BPH | 779968.12146 | CBNA | 438447
SOGEBL | 1912466.91555 | SOGEBL | 0 | CBNA | 679685 | BPH | -44002.86381999997
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbamars 19]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 MARS 2019
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 10219347 | 293214.81256 | 1064538.969822606 | 769587 | 3880931.9773700004 | 1929812.1157411272 | 18157431.87549373 | 60793.504 | 60793.504 | 82525 | 82525 | 18300750.379493732
Avoirs à la BRH | 18142235 | 1135517.7644500001 | 8656885.216607684 | 9147558 | 34535765.91595 | 47466999.96711744 | 119084961.86412512 | 1530229.82851 | 1530229.82851 | 3693203 | 3693203 | 124308394.69263512
Avoirs à l'étranger | 1090825 | 232343.79689 | 1097033.031506002 | 2945009 | 2735106.4589 | 6276708.831676748 | 14377026.118972749 | 0 | 0 | 1049356 | 1049356 | 15426382.118972749
Avoirs dans les banques locales | 0 | 0 | 20629.760199634 | 1473 | 9803.645629999999 | 0 | 31906.405829634 | 56237.67116 | 56237.67116 | 0 | 0 | 88144.07698963399
Autres liquidités | 416675 | 34550.39956 | 121396.47731007599 | 347994 | 215705.66144999999 | 889524.7425957681 | 2025846.280915844 | 17735.44137 | 17735.44137 | 38825 | 38825 | 2082406.722285844
29869082 | 1695626.77346 | 10960483.455446003 | 13211621 | 41377313.6593 | 56563045.65713108 | 153677172.54533708 | 1664996.4450399997 | 1664996.4450399997 | 4863909 | 4863909 | 160206077.99037707
Bons B.R.H. | 4100000 | 565000 | 200000 | 0 | 0 | 0 | 4865000 | 0 | 0 | 0 | 0 | 4865000
Bons du Trésor / M.E.F. | 8750000 | 355995.12749 | 0 | 0 | 0 | 418365.78854 | 9524360.91603 | 0 | 0 | 0 | 0 | 9524360.91603
Autres Placements | 10059588 | 31089.33607 | 283318.86777200404 | 1744887 | 17879676.08301 | 28865326.476836205 | 58863885.76368821 | 851105.37952 | 851105.37952 | 0 | 0 | 59714991.143208206
Portefeuille net | 17556756.5 | 722392.17602 | 13298521.815699294 | 10321864 | 31577300.622840002 | 35450421.88017 | 108927256.9947293 | 4495599.1914099995 | 4495599.1914099995 | 503049 | 503049 | 113925905.1861393
Immobilisations | 2132170.5222099996 | 319366.44593000005 | 891251.38105 | 785314 | 2849426.6692399997 | 2445558.427 | 9423087.44543 | 542703.82237 | 542703.82237 | 295096 | 295096 | 10260887.2678
Autres actifs | 2496428 | 271507.22206 | 365277.9635391539 | 1128326 | 5531250.350039999 | 3459026.49538748 | 13251816.031026632 | 174556.97959 | 174556.97959 | 31161 | 31161 | 13457534.010616632
74964025.02221 | 3960977.08103 | 25998853.483506456 | 27192012 | 99214967.38443 | 127201744.72506477 | 358532579.69624114 | 7728961.817929999 | 7728961.817929999 | 5693215 | 5693215 | 371954756.5141712
PASSIF
Dépôts
À vue | 30208280 | 1592597.74068 | 7110121.93054528 | 9139395 | 33195265.592683624 | 43251630.092411 | 124497290.3563199 | 1823062.3843899998 | 1823062.3843899998 | 3711308 | 3711308 | 130031660.7407099
Épargne | 19185109 | 421417.02674 | 3667433.95188314 | 5024319 | 26436872.480796922 | 40150733.39453196 | 94885884.85395202 | 745251.48041 | 745251.48041 | 500470 | 500470 | 96131606.33436202
À terme | 9276546 | 1580947.6429599999 | 7903569.770139838 | 7963769 | 20190589.18565865 | 24601156.218195956 | 71516577.81695445 | 2036690.8854 | 2036690.8854 | 44318 | 44318 | 73597586.70235445
58669935 | 3594962.41038 | 18681125.65256826 | 22127483 | 79822727.2591392 | 108003519.7051389 | 290899753.0272264 | 4605004.7502 | 4605004.7502 | 4256096 | 4256096 | 299760853.77742636
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2391094 | 137439.4435 | 1745932.8454975758 | 848131 | 3183620.3255 | 1683510.2548142478 | 9989727.869311824 | 176817.01948 | 176817.01948 | 894863 | 894863 | 11061407.888791824
2391094 | 137439.4435 | 1745932.8454975758 | 848131 | 3183620.3255 | 1683510.2548142478 | 9989727.869311824 | 176817.01948 | 176817.01948 | 894863 | 894863 | 11061407.888791824
Obligations à terme
Banques locales | 2113040 | 49999.99984 | 2327536.13412 | 622163 | 4924646.97991 | 3023024.35248 | 13060410.46635 | 2023255.64181 | 2023255.64181 | 0 | 0 | 15083666.10816
Banque à l'étranger | 0 | 0 | 0 | 0 | 1040299.0017799999 | 0 | 1040299.0017799999 | 0 | 0 | 0 | 0 | 1040299.0017799999
Autres | 3741617 | 204039.33647 | 208158.09206621503 | 89143 | 1361673.7403200003 | 789731.33464254 | 6394362.503498754 | 88060.29406 | 88060.29406 | 105657 | 105657 | 6588079.797558755
5854657 | 254039.33631 | 2535694.226186215 | 711306 | 7326619.72201 | 3812755.6871225396 | 20495071.971628755 | 2111315.93587 | 2111315.93587 | 105657 | 105657 | 22712044.907498755
Autres passifs | 1017117 | 11781.68456 | 220194.148314388 | 1162590 | 1858295.25536 | 1750269.689859218 | 6020247.778093606 | 175475.27938000002 | 175475.27938000002 | 0 | 0 | 6195723.057473606
67932803 | 3998222.87475 | 23182946.872566435 | 24849510 | 92191262.5620092 | 115250055.33693491 | 327404800.64626056 | 7068612.98493 | 7068612.98493 | 5256616 | 5256616 | 339730029.63119054
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 733027.51157 | 810000 | 1500000 | 6405950 | 12613977.51157 | 250000 | 250000 | 103837 | 103837 | 12967814.51157
Réserves | 721981 | 78594.77100000001 | 319739.92462 | 341698 | 2466082.2736 | 1318888.34426 | 5246984.31348 | 290322.19877 | 290322.19877 | 59288 | 59288 | 5596594.51225
Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000
Surplus d'apport | 0 | 14325 | 1209904.93985 | 1384 | 376690.93492 | 0 | 1602304.87477 | 0 | 0 | 0 | 0 | 1602304.87477
BNR | 3115241 | -295165.56471999997 | 553234.2349 | 1189420 | 2680931.6139000007 | 4226851.039589999 | 11470512.32367 | 120026.63386999999 | 120026.63386999999 | 273474 | 273474 | 11864012.95754
7031222 | -37245.79371999996 | 2815906.61094 | 2342502 | 7023704.822420001 | 11951689.383849999 | 31127779.023490004 | 660348.83264 | 660348.83264 | 436599 | 436599 | 32224726.856129996
74964025 | 3960977.08103 | 25998853.483506434 | 27192012 | 99214967.3844292 | 127201744.7207849 | 358532579.6697505 | 7728961.81757 | 7728961.81757 | 5693215 | 5693215 | 371954756.48732054
Hors-bilan
Effets à l'encaissement | 992903 | 0 | 0 | 0 | 152874.67580000003 | 2274.240087058 | 1148051.915887058 | 0 | 0 | 0 | 0 | 1148051.915887058
Crédit documentaire | 339205 | 0 | 0 | 0 | 1618930.42626 | 1183419.885489608 | 3141555.3117496083 | 0 | 0 | 0 | 0 | 3141555.3117496083
Autres | 10017152 | 254021.018081366 | 686967.210985885 | 463423 | 4832197.41481 | 1366816.714956799 | 17620577.35883405 | 477277.803385 | 477277.803385 | 1660053.0692000003 | 1660053.0692000003 | 19757908.231419053
Portefeuille brut | 18211998.5 | 1358203.95292 | 13405282.29824907 | 10367518 | 32453093.0511 | 35729905.27001 | 111526001.07227907 | 4623686.5651899995 | 4623686.5651899995 | 503049 | 503049 | 116652736.63746907
Provisions pour créances douteuses | 655242 | 635811.7769 | 106760.482549776 | 45654 | 875792.42826 | 279483.38984 | 2598744.0775497756 | 128087.37378 | 128087.37378 | 0 | 0 | 2726831.4513297756
Portefeuille de crédit improductif | 1495429 | 940960.2003641159 | 106344.466741842 | 42823 | 1807058 | 60196.73936 | 4452811.406465958 | 629156.6022300001 | 629156.6022300001 | 0 | 0 | 5081968.008695958
Dépôts US convertis | 62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978931 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933
Immobilisation /A | 0.3032432374073809 | -8.574564105973371 | 0.3165060153584015 | 0.33524581836002704 | 0.40568713254356786 | 0.20462031336796774 | 0.30272276857012637 | 0.821844145919561 | 0.821844145919561 | 0.6758971046658375 | 0.6758971046658375 | 0.3184165784743683
Liquidité en % de l'actif | 0.5698611032070835 | 0.6606001113921067 | 0.42926829302400427 | 0.4858640471326653 | 0.4170470922897609 | 0.4479609267060866 | 0.46876223523049915 | 0.21542303924667666 | 0.21542303924667666 | 0.854334326035465 | 0.854334326035465 | 0.46939966716020504
Liquidité en % des dépôts | 0.7281256064115291 | 0.7278579306962528 | 0.5974202873535982 | 0.5970684058372115 | 0.5183650707018728 | 0.5275884674984334 | 0.5777472538645886 | 0.3615623729742488 | 0.3615623729742488 | 1.1428099836093923 | 1.1428099836093923 | 0.5824490980268053
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 56563045.65713108 | BNC | 4100000 | UNIBK | 35450421.88017 | UNIBK | 11951689.383849999
SOGEBK | 41377313.6593 | BPH | 565000 | SOGEBK | 31577300.622840002 | BNC | 7031222
BNC | 29869082 | BUH | 200000 | BNC | 17556756.5 | SOGEBK | 7023704.822420001
CAPITALBK | 13211621 | SOGEBK | 0 | BUH | 13298521.815699294 | BUH | 2815906.61094
BUH | 10960483.455446003 | UNIBK | 0 | CAPITALBK | 10321864 | CAPITALBK | 2342502
CBNA | 4863909 | CAPITALBK | 0 | SOGEBL | 4495599.1914099995 | SOGEBL | 660348.83264
BPH | 1695626.77346 | CBNA | 0 | BPH | 722392.17602 | CBNA | 436599
SOGEBL | 1664996.4450399997 | SOGEBL | 0 | CBNA | 503049 | BPH | -37245.79371999996
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbandéc.18 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 DECEMBRE 2018
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 9033083 | 171789.12006000002 | 936195.5229929971 | 711643 | 2934600.8126100004 | 2225294.7669494213 | 16012606.222612418 | 43873.57762 | 43873.57762 | 102454 | 102454 | 16158933.800232418
Avoirs à la BRH | 18577168 | 1036059.12276 | 6812077.946619324 | 8442509 | 32351838.14929 | 43418814.64149393 | 110638466.86016326 | 1373337.94816 | 1373337.94816 | 4980375 | 4980375 | 116992179.80832325
Avoirs à l'étranger | 1535542 | 420285.21962 | 809536.142442291 | 2748317 | 3482506.0780800004 | 5764792.633714011 | 14760979.073856303 | 0 | 0 | 1059358 | 1059358 | 15820337.073856303
Avoirs dans les banques locales | 0 | 0 | 20381.146093474003 | 2113 | 7509.365669999999 | 0 | 30003.511763474 | 114547.79957999999 | 114547.79957999999 | 0 | 0 | 144551.311343474
Autres liquidités | 629530 | 83326.0472 | 5534.282145246001 | 235475 | 174819.34513 | 1040449.4812264551 | 2169134.155701701 | 18128.01823 | 18128.01823 | 53830 | 53830 | 2241092.173931701
29775323 | 1711459.5096399998 | 8583725.040293334 | 12140057 | 38951273.750779994 | 52449351.52338382 | 143611189.82409716 | 1549887.3435899997 | 1549887.3435899997 | 6196017 | 6196017 | 151357094.16768712
Bons B.R.H. | 7550000 | 751000 | 400000 | 0 | 320000 | 0 | 9021000 | 0 | 0 | 0 | 0 | 9021000
Bons du Trésor / M.E.F. | 4525420 | 139156.02476 | 0 | 0 | 0 | 165048.68279 | 4829624.70755 | 0 | 0 | 0 | 0 | 4829624.70755
Autres Placements | 10255433 | 29050.23698 | 376585.850866094 | 1678962 | 16764742.67946 | 26590182.49204907 | 55694956.259355165 | 818296.44007 | 818296.44007 | 0 | 0 | 56513252.69942517
Portefeuille net | 16927589 | 730501.51751 | 12423672.27385414 | 10558877 | 30004764.64312 | 36315495.97061 | 106960900.40509415 | 4456461.4543200005 | 4456461.4543200005 | 509944 | 509944 | 111927305.85941415
Immobilisations | 2066845.3706900002 | 307608.41051 | 762474.3640000001 | 793098 | 2883937.75426 | 2420480.15645 | 9234444.05591 | 531664.78536 | 531664.78536 | 298281 | 298281 | 10064389.84127
Autres actifs | 2278947 | 261822.96198 | 335728.328416596 | 635637 | 3364180.3842200004 | 3861660.820223915 | 10737976.494840512 | 150853.99872000003 | 150853.99872000003 | 31791 | 31791 | 10920621.493560512
73379557.37069 | 3930598.66138 | 22882185.857430164 | 25806631 | 92288899.21184 | 121802219.64550681 | 340090091.7468469 | 7507164.022060001 | 7507164.022060001 | 7036033 | 7036033 | 354633288.7689069
PASSIF
Dépôts
À vue | 30616034 | 1653907.58055 | 5659380.822246235 | 8746627 | 29952248.416572273 | 43310024.071331784 | 119938221.8907003 | 1856295.49885 | 1856295.49885 | 5024173 | 5024173 | 126818690.3895503
Épargne | 18239741 | 403268.26254 | 3402021.1203855285 | 4652582 | 25379429.74964194 | 37375169.12160332 | 89452211.25417078 | 744706.2467700001 | 744706.2467700001 | 449851 | 449851 | 90646768.50094077
À terme | 8487823.39 | 1495458.1973299999 | 7402074.233615539 | 7479794 | 19271174.773094084 | 23789733.763962902 | 67926058.35800251 | 1869191.6593899997 | 1869191.6593899997 | 41728 | 41728 | 69836978.01739252
57343598.39 | 3552634.04042 | 16463476.176247302 | 20879003 | 74602852.9393083 | 104474926.956898 | 277316491.50287354 | 4470193.40501 | 4470193.40501 | 5515752 | 5515752 | 287302436.9078836
Obligations à vue
Banques locales | 0 | 0 | 0 | 300000 | 0 | 2275810.1933500003 | 2575810.1933500003 | 0 | 0 | 0 | 0 | 2575810.1933500003
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2233417 | 143684.65585 | 968799.44096246 | 882557 | 3259001.1612299997 | 1528920.7969596423 | 9016380.055002103 | 135087.39135 | 135087.39135 | 1009568 | 1009568 | 10161035.446352102
2233417 | 143684.65585 | 968799.44096246 | 1182557 | 3259001.1612299997 | 3804730.9903096426 | 11592190.248352103 | 135087.39135 | 135087.39135 | 1009568 | 1009568 | 12736845.639702102
Obligations à terme
Banques locales | 2154220 | 62499.99985 | 2375893.43583 | 572090 | 2017389.03244 | 0 | 7182092.46812 | 1909101.16527 | 1909101.16527 | 0 | 0 | 9091193.63339
Banque à l'étranger | 0 | 0 | 0 | 0 | 2233685.36856 | 0 | 2233685.36856 | 0 | 0 | 0 | 0 | 2233685.36856
Autres | 3738178 | 200514.28162 | 246350.13919569098 | 109496 | 1084813.9620299998 | 530526.76403353 | 5909879.146879221 | 79292.39699000001 | 79292.39699000001 | 97126 | 97126 | 6086297.543869222
5892398 | 263014.28147 | 2622243.5750256907 | 681586 | 5335888.36303 | 530526.76403353 | 15325656.983559221 | 1988393.56226 | 1988393.56226 | 97126 | 97126 | 17411176.545819223
Autres passifs | 1099512 | 7804.6824400000005 | 236814.15382619202 | 782082 | 1975846.9746 | 1749540.4085097162 | 5851600.219375908 | 164346.62674 | 164346.62674 | 0 | 0 | 6015946.846115909
66568925.39 | 3967137.66018 | 20291333.346061647 | 23525228 | 85173589.4381683 | 110559725.11975089 | 310085938.9541608 | 6758020.98536 | 6758020.98536 | 6622446 | 6622446 | 323466405.93952084
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 729924.2646 | 810000 | 1500000 | 6431912.5 | 12636836.7646 | 250000 | 250000 | 103837 | 103837 | 12990673.7646
Réserves | 721981 | 78594.77100000001 | 266622.46907 | 279593 | 2261528.10928 | 764605.71795 | 4372925.067299999 | 302262.08444 | 302262.08444 | 59288 | 59288 | 4734475.15174
Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000
Surplus d'apport | 0 | 14325 | 1141670.62557 | 1384 | 376690.93492 | 0 | 1534070.56049 | 0 | 0 | 0 | 0 | 1534070.56049
BNR | 2894651 | -294458.76979999995 | 452635.1521446 | 1190426 | 2977090.729479999 | 4045976.30802 | 11266320.419844598 | 196880.95242 | 196880.95242 | 250462 | 250462 | 11713663.372264598
6810632 | -36538.99879999994 | 2590852.5113846003 | 2281403 | 7115309.773679999 | 11242494.525969999 | 30004152.812234595 | 749143.03686 | 749143.03686 | 413587 | 413587 | 31166882.8490946
73379557.39 | 3930598.6613800004 | 22882185.857446246 | 25806631 | 92288899.2118483 | 121802219.64572088 | 340090091.76639533 | 7507164.022220001 | 7507164.022220001 | 7036033 | 7036033 | 354633288.78861535
Hors-bilan
Effets à l'encaissement | 907521 | 0 | 0 | 0 | 163256.20395 | 18390.350251979 | 1089167.554201979 | 0 | 0 | 0 | 0 | 1089167.554201979
Crédit documentaire | 341342 | 0 | 0 | 0 | 1366941.83391 | 1222879.504750739 | 2931163.3386607394 | 0 | 0 | 0 | 0 | 2931163.3386607394
Autres | 11126198 | 215805.56107147303 | 2506057.600013139 | 446713 | 5704283.398820001 | 1894680.824758106 | 21893738.384662718 | 382897.31029000005 | 382897.31029000005 | 1660053.0692 | 1660053.0692 | 23936688.76415272
Portefeuille brut | 17495759 | 1372563.06262 | 12502971.995279819 | 10604323 | 30816604.357869998 | 36569648.65254 | 109361870.06830981 | 4577759.0743 | 4577759.0743 | 509944 | 509944 | 114449573.14260982
Provisions pour créances douteuses | 568170 | 642061.54511 | 79299.721425678 | 45446 | 811839.71475 | 254152.68193 | 2400969.663215678 | 121297.61998 | 121297.61998 | 0 | 0 | 2522267.283195678
Portefeuille de crédit improductif | 1400801 | 907810.8677802401 | 48507.753128644 | 50638 | 483680 | 50182.00129 | 2941619.6221988844 | 398628.24216 | 398628.24216 | 0 | 0 | 3340247.8643588843
Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333
Immobilisation /A | 0.30347335910822965 | -8.418632710593059 | 0.29429477774190993 | 0.3476360818321007 | 0.4053144340851998 | 0.21529742806267116 | 0.3077721978587088 | 0.7096972930409251 | 0.7096972930409251 | 0.7212049701755616 | 0.7212049701755616 | 0.3229193593084132
Liquidité en % de l'actif | 0.570332453609436 | 0.6618878594658134 | 0.3926078171144735 | 0.470423938715596 | 0.42552543248605323 | 0.4319658571026273 | 0.463000300075949 | 0.20645443992373344 | 0.20645443992373344 | 0.8806122711476765 | 0.8806122711476765 | 0.465855079337724
Liquidité en % des dépôts | 0.7298241508209614 | 0.7323060874833117 | 0.5456760737598426 | 0.581448117996822 | 0.5264044497430732 | 0.503607915685649 | 0.5678054474088697 | 0.3467159478721777 | 0.3467159478721777 | 1.1233313245410599 | 1.1233313245410599 | 0.5750306911883483
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 52449351.52338382 | BNC | 7550000 | UNIBK | 36315495.97061 | UNIBK | 11242494.525969999
SOGEBK | 38951273.750779994 | BPH | 751000 | SOGEBK | 30004764.64312 | SOGEBK | 7115309.773679999
BNC | 29775323 | BUH | 400000 | BNC | 16927589 | BNC | 6810632
CAPITALBK | 12140057 | SOGEBK | 320000 | BUH | 12423672.27385414 | BUH | 2590852.5113846003
BUH | 8583725.040293334 | UNIBK | 0 | CAPITALBK | 10558877 | CAPITALBK | 2281403
CBNA | 6196017 | CAPITALBK | 0 | SOGEBL | 4456461.4543200005 | SOGEBL | 749143.03686
BPH | 1711459.5096399998 | CBNA | 0 | BPH | 730501.51751 | CBNA | 413587
SOGEBL | 1549887.3435899997 | SOGEBL | 0 | CBNA | 509944 | BPH | -36538.99879999994
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbansept.18 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 SEPTEMBRE 2018
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 8704118 | 156341.89627000003 | 633571.457662072 | 662390 | 3231924.03163 | 1358763.6363249 | 14747109.02188697 | 41242.64961 | 41242.64961 | 53823 | 53823 | 14842174.67149697
Avoirs à la BRH | 16208877 | 973311.89836 | 6668594.875817301 | 7980137 | 30082965.03723 | 41662387.0014197 | 103576272.81282699 | 1288027.99239 | 1288027.99239 | 4283082 | 4283082 | 109147382.805217
Avoirs à l'étranger | 523376 | 143346.31372 | 583225.29673392 | 1533599 | 2148084.07039 | 3033594.8964456515 | 7965225.577289571 | 0 | 0 | 1126364 | 1126364 | 9091589.57728957
Avoirs dans les banques locales | 0 | 0 | 20053.356545436 | 1524 | 7870.54654 | 0 | 29447.903085436 | 1111022.35781 | 1111022.35781 | 0 | 0 | 1140470.260895436
Autres liquidités | 209237 | 24261.7074 | 239978.29635888204 | 259499 | 72354.36994 | 1046555.779516078 | 1851886.15321496 | 22518.72334 | 22518.72334 | 123677 | 123677 | 1998081.87655496
25645608 | 1297261.8157499998 | 8145423.283117611 | 10437149 | 35543198.05573 | 47101301.31370633 | 128169941.46830393 | 2462811.72315 | 2462811.72315 | 5586946 | 5586946 | 136219699.19145393
Bons B.R.H. | 9145000 | 760000 | 700000 | 440000 | 1294000 | 600000 | 12939000 | 0 | 0 | 0 | 0 | 12939000
Bons du Trésor / M.E.F. | 4258000 | 177156.92203 | 0 | 0 | 0 | 207564.91037 | 4642721.8324 | 0 | 0 | 0 | 0 | 4642721.8324
Autres Placements | 8683614 | 26281.59406 | 382487.24938199413 | 1481788 | 16069323.339030001 | 27069440.0545805 | 53712934.2370525 | 123093.20361999999 | 123093.20361999999 | 0 | 0 | 53836027.4406725
Portefeuille net | 15966768 | 674025.62975 | 11190428.308710668 | 9273951 | 28261873.66338 | 32150952.53642 | 97517999.13826068 | 4151627.7225300004 | 4151627.7225300004 | 553590 | 553590 | 102223216.86079068
Immobilisations | 2036781.97483 | 308858.18678 | 721694.0708100001 | 790514 | 2999691.31537 | 2422617.05044 | 9280156.59823 | 514471.53456999996 | 514471.53456999996 | 302272 | 302272 | 10096900.1328
Autres actifs | 1839928 | 235905.64195999998 | 234645.417555088 | 603112 | 2475671.40319 | 3548144.1343469657 | 8937406.597052053 | 140040.28505 | 140040.28505 | 34358 | 34358 | 9111804.882102052
67575699.97483 | 3479489.7903299998 | 21374678.329575364 | 23026514 | 86643757.77669999 | 113100019.99986379 | 315200159.87129915 | 7392044.46892 | 7392044.46892 | 6477166 | 6477166 | 329069370.34021914
PASSIF
Dépôts
À vue | 28522464 | 1335346.15062 | 5262422.308465518 | 7980053 | 29574742.714907434 | 40287381.000812754 | 112962409.1748057 | 1730865.69429 | 1730865.69429 | 4739019 | 4739019 | 119432293.8690957
Épargne | 16397471 | 365901.3889 | 3108469.806059828 | 4212180 | 23372999.71947191 | 34264998.90383934 | 81722020.81827107 | 657739.9596599999 | 657739.9596599999 | 364548 | 364548 | 82744308.77793106
À terme | 8156986 | 1406671.79929 | 6818159.555605287 | 6693512 | 17746916.266448893 | 22515620.62730308 | 63337866.24864726 | 1979868.1003100001 | 1979868.1003100001 | 38285 | 38285 | 65356019.348957255
53076921 | 3107919.33881 | 15189051.670130633 | 18885745 | 70694658.70082822 | 97068000.53195517 | 258022296.241724 | 4368473.75426 | 4368473.75426 | 5141852 | 5141852 | 267532621.99598402
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 | 2124281.0729300003 | 0 | 0 | 0 | 0 | 2124281.0729300003
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1491568 | 127027.80836 | 794798.0651772621 | 597147 | 2602889.5680500004 | 1640163.74646301 | 7253594.188050272 | 188712.75592999998 | 188712.75592999998 | 893927 | 893927 | 8336233.943980272
1491568 | 127027.80836 | 794798.0651772621 | 597147 | 2602889.5680500004 | 3764444.8193930103 | 9377875.260980273 | 188712.75592999998 | 188712.75592999998 | 893927 | 893927 | 10460515.016910272
Obligations à terme
Banques locales | 2195401 | 74999.99986 | 2418975.74916 | 531816 | 1927526.08497 | 0 | 7148718.83399 | 1927471.8386900001 | 1927471.8386900001 | 0 | 0 | 9076190.67268
Banque à l'étranger | 0 | 0 | 0 | 0 | 2195530.95112 | 0 | 2195530.95112 | 0 | 0 | 0 | 0 | 2195530.95112
Autres | 3443739 | 201997.29278 | 213261.76947689598 | 178465 | 725977.00568 | 350813.56125417404 | 5114253.62919107 | 84721.82308999999 | 84721.82308999999 | 85127 | 85127 | 5284102.45228107
5639140 | 276997.29264 | 2632237.5186368963 | 710281 | 4849034.04177 | 350813.56125417404 | 14458503.414301071 | 2012193.6617800002 | 2012193.6617800002 | 85127 | 85127 | 16555824.076081071
Autres passifs | 1039317 | 10134.42926 | 208759.927076994 | 688948 | 1614100.30309 | 1527273.975285982 | 5088533.6347129755 | 132743.0525 | 132743.0525 | 0 | 0 | 5221276.687212976
61246946 | 3522078.8690700005 | 18824847.181021787 | 20882121 | 79760682.61373822 | 102710532.88788833 | 286947208.55171835 | 6702123.224470001 | 6702123.224470001 | 6120906 | 6120906 | 299770237.7761884
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 729896.58697 | 810000 | 1500000 | 6431912.5 | 12636809.08697 | 250000 | 250000 | 103837 | 103837 | 12990646.08697
Réserves | 721982 | 78594.77100000001 | 249489.23116 | 262050 | 2453566.88816 | 766444.06311 | 4532126.953430001 | 227443.0225 | 227443.0225 | 59288 | 59288 | 4818857.975930001
Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000
Surplus d'apport | 0 | 14325 | 1170040.86098 | 1384 | 371816.94492 | 0 | 1557566.8059 | 0 | 0 | 0 | 0 | 1557566.8059
BNR | 2412772 | -300508.84974 | 400404.46944575 | 1070959 | 2557691.3298499957 | 3191130.5522600003 | 9332448.501815746 | 212478.22163000001 | 212478.22163000001 | 193135 | 193135 | 9738061.723445745
6328754 | -42589.07873999997 | 2549831.14855575 | 2144393 | 6883075.162929996 | 10389487.11537 | 28252951.34811575 | 689921.24413 | 689921.24413 | 356260 | 356260 | 29299132.592245743
67575700 | 3479489.7903300007 | 21374678.329577535 | 23026514 | 86643757.77666822 | 113100020.00325833 | 315200159.8998341 | 7392044.468600001 | 7392044.468600001 | 6477166 | 6477166 | 329069370.2684341
Hors-bilan
Effets à l'encaissement | 815323 | 0 | 0 | 0 | 140620.2047 | 1197.311534722 | 957140.516234722 | 0 | 0 | 0 | 0 | 957140.516234722
Crédit documentaire | 244921 | 0 | 0 | 0 | 1615259.18351 | 1037165.801866848 | 2897345.985376848 | 0 | 0 | 0 | 0 | 2897345.985376848
Autres | 10588763 | 220689.186544052 | 1187232.1703575342 | 435120 | 5409543.9882499995 | 1323377.4992928582 | 19164725.844444443 | 607470.4712700001 | 607470.4712700001 | 1660069.13821 | 1660069.13821 | 21432265.45392444
Portefeuille brut | 16505563 | 1309781.84108 | 11256471.881454712 | 9307144 | 28986173.17268 | 32364335.316409998 | 99729469.21162471 | 4280198.45026 | 4280198.45026 | 553590 | 553590 | 104563257.66188471
Provisions pour créances douteuses | 538795 | 635756.21133 | 66043.57274404401 | 33193 | 724299.5093 | 213382.77999 | 2211470.073364044 | 128570.72773 | 128570.72773 | 0 | 0 | 2340040.801094044
Portefeuille de crédit improductif | 673908 | 820987.158933496 | 45101.265297692 | 34217 | 286671 | 31370.140610000002 | 1892254.564841188 | 770945.95816 | 770945.95816 | 0 | 0 | 2663200.523001188
Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333
Immobilisation /A | 0.32182985384326834 | -7.252051368979676 | 0.2830360242554786 | 0.3686423150980254 | 0.43580685149645926 | 0.23317965781544966 | 0.32846680277347073 | 0.7456960326229054 | 0.7456960326229054 | 0.8484589906248245 | 0.8484589906248245 | 0.34461430218149963
Liquidité en % de l'actif | 0.5778498486074799 | 0.6421684995282265 | 0.4138271999573683 | 0.4723749760819202 | 0.4251569761167049 | 0.42359732760554797 | 0.4624098647672528 | 0.3331705773017115 | 0.3331705773017115 | 0.8625602616946979 | 0.8625602616946979 | 0.46738297418821234
Liquidité en % des dépôts | 0.7356984403824027 | 0.7189436063792899 | 0.5823552039468134 | 0.5759449256568909 | 0.5210746997396344 | 0.4935598339465594 | 0.5648801108418895 | 0.5637693761461523 | 0.5637693761461523 | 1.0865629738078808 | 1.0865629738078808 | 0.5748884748199518
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 47101301.31370629 | BNC | 9145000 | UNIBK | 32150952.53642 | UNIBK | 10389487.11537
SOGEBK | 35543198.05573 | UNIBK | 600000 | SOGEBK | 28261873.66338 | SOGEBK | 6883075.162929996
BNC | 25645608 | SOGEBK | 1294000 | BNC | 15966768 | BNC | 6328754
CAPITALBK | 10437149 | BPH | 760000 | BUH | 11190428.308710668 | BUH | 2549831.14855575
BUH | 8145423.283117611 | BUH | 700000 | CAPITALBK | 9273951 | CAPITALBK | 2144393
CBNA | 5586946 | CAPITALBK | 440000 | SOGEBL | 4151627.7225300004 | SOGEBL | 689921.24413
SOGEBL | 2462811.72315 | CBNA | 0 | BPH | 674025.62975 | CBNA | 356260
BPH | 1297261.8157499998 | SOGEBL | 0 | CBNA | 553590 | BPH | -42589.07873999997
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanjuin18 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 JUIN 2018
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 7118316 | 136390.76737000002 | 729117.0957474699 | 721191 | 2548700.42477 | 1752951.17155947 | 13006666.45944694 | 29877.03009 | 29877.03009 | 58732 | 58732 | 13095275.489536941
Avoirs à la BRH | 16639929 | 948500.5229199999 | 7414195.52946141 | 7382457 | 28728255.17227 | 40171551.159929 | 101284888.3845804 | 1214023.56489 | 1214023.56489 | 5271244 | 5271244 | 107770155.9494704
Avoirs à l'étranger | 922206 | 24211.79451 | 664322.7302331799 | 1191272 | 2076987.36377 | 3336959.8894631728 | 8215959.777976353 | -669.0700100000013 | -669.0700100000013 | 1496541 | 1496541 | 9711831.707966354
Avoirs dans les banques locales | 0 | 0 | 16916.663047179998 | 1620 | 4208.14563 | 0 | 22744.808677179997 | 1089672.25144 | 1089672.25144 | 0 | 0 | 1112417.06011718
Autres liquidités | 182441 | 36744.92263 | 39397.893485529996 | 282385 | 150974.91644 | 948211.3916864931 | 1640155.124242023 | 29979.27212 | 29979.27212 | 128267 | 128267 | 1798401.3963620232
24862892 | 1145848.0074299998 | 8863949.91197477 | 9578925 | 33509126.02288 | 46209673.61263813 | 124170414.5549229 | 2362883.0485300003 | 2362883.0485300003 | 6954784 | 6954784 | 133488081.6034529
Bons B.R.H. | 10000000 | 776000 | 500000 | 450000 | 980000 | 1020000 | 13726000 | 0 | 0 | 0 | 0 | 13726000
Bons du Trésor / M.E.F. | 2500000 | 93737.8193 | 0 | 0 | 0 | 258414.47129 | 2852152.29059 | 0 | 0 | 0 | 0 | 2852152.29059
Autres Placements | 9313505 | 25128.43595 | 261832.29940209002 | 1308089 | 15497948.76399 | 28282396.96167898 | 54688900.46102107 | 136330.51417 | 136330.51417 | 0 | 0 | 54825230.97519107
Portefeuille net | 15511236 | 673365.37958 | 10177873.303764574 | 8729652 | 26833386.28138 | 31244134.13684 | 93169647.10156457 | 4048458.9616199997 | 4048458.9616199997 | 446815 | 446815 | 97664921.06318457
Immobilisations | 1883974.98378 | 310811.01915 | 630644.0446899999 | 784274 | 2829368.8587999996 | 2406210.10329 | 8845283.009709999 | 475012.2687 | 475012.2687 | 307079 | 307079 | 9627374.278409999
Autres actifs | 1958163 | 220297.57828 | 176016.40473067004 | 493964 | 2754603.84766 | 3572724.44948744 | 9175769.28015811 | 167587.14687 | 167587.14687 | 30652 | 30652 | 9374008.42702811
66029770.98378 | 3245188.23969 | 20610315.964562103 | 21344904 | 82404433.77471 | 112993553.73522456 | 306628166.69796664 | 7190271.93989 | 7190271.93989 | 7739330 | 7739330 | 321557768.63785666
PASSIF
Dépôts
À vue | 27882354 | 1152054.65129 | 4772338.66415404 | 7209213 | 28031986.905589968 | 39476697.34854499 | 108524644.569579 | 1621684.14077 | 1621684.14077 | 6118083 | 6118083 | 116264411.71034901
Épargne | 15823010 | 345535.96504000004 | 2967135.21163612 | 4113242 | 22743427.463979997 | 35447258.12307984 | 81439608.76373595 | 630924.99854 | 630924.99854 | 359258 | 359258 | 82429791.76227595
À terme | 7645630 | 1363517.5089 | 6624328.219950201 | 6069204 | 16356454.751640435 | 19175262.4079032 | 57234396.888393834 | 1988907.43437 | 1988907.43437 | 36816 | 36816 | 59260120.32276383
51350994 | 2861108.1252300004 | 14363802.095740361 | 17391659 | 67131869.1212104 | 94099217.87952802 | 247198650.22170877 | 4241516.57368 | 4241516.57368 | 6514157 | 6514157 | 257954323.7953888
Obligations à vue
Banques locales | 0 | 0 | 300000 | 120000 | 0 | 1716320.48109 | 2136320.48109 | 0 | 0 | 0 | 0 | 2136320.48109
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 3789489.38316326 | 3789489.38316326 | 0 | 0 | 0 | 0 | 3789489.38316326
Autres | 1729753.046 | 128208.15 | 925130.7464368099 | 576731 | 2505758.66863 | 1839783.3020865112 | 7705364.913153321 | 162064.15828 | 162064.15828 | 800583 | 800583 | 8668012.07143332
1729753.046 | 128208.15 | 1225130.74643681 | 696731 | 2505758.66863 | 7345593.166339772 | 13631174.77740658 | 162064.15828 | 162064.15828 | 800583 | 800583 | 14593821.93568658
Obligations à terme
Banques locales | 2213200 | 87499.99987 | 2461237.50873 | 540234 | 1917847.1375 | 0 | 7220018.6461000005 | 1912045.62395 | 1912045.62395 | 0 | 0 | 9132064.27005
Banque à l'étranger | 0 | 0 | 0 | 0 | 2084750.13275 | 0 | 2084750.13275 | 0 | 0 | 0 | 0 | 2084750.13275
Autres | 3625557 | 204965.61073000001 | 179288.50623503 | 126408 | 675320.6052500001 | 349155.61428608 | 5160695.33650111 | 102370.11157000001 | 102370.11157000001 | 83150 | 83150 | 5346215.44807111
5838757 | 292465.6106 | 2640526.01496503 | 666642 | 4677917.8755 | 349155.61428608 | 14465464.11535111 | 2014415.7355199999 | 2014415.7355199999 | 83150 | 83150 | 16563029.850871112
Autres passifs | 1109366 | 7817.53298 | 338782.23757552996 | 582380 | 1660091.2034200002 | 1425844.626993551 | 5124281.600969081 | 149584.07757000002 | 149584.07757000002 | 0 | 0 | 5273865.678539081
60028870.046000004 | 3289599.41881 | 18568241.094717734 | 19337412 | 75975636.86876039 | 103219811.28714742 | 280419570.71543556 | 6567580.54505 | 6567580.54505 | 7397890 | 7397890 | 294385041.2604856
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 653212.17525 | 810000 | 1500000 | 6468075 | 12596287.17525 | 250000 | 250000 | 103837 | 103837 | 12950124.17525
Réserves | 671982 | 78594.77100000001 | 103338.59228000001 | 278859 | 2171695.39046 | 759836.37234 | 4064306.12608 | 250864.7255 | 250864.7255 | 59288 | 59288 | 4374458.85158
Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 129308.80526000001 | 0 | 0 | 0 | 323308.80526 | 0 | 0 | 0 | 0 | 323308.80526
Surplus d'apport | 0 | 14325 | 837703.73559 | 1384 | 371816.94492000004 | 0 | 1225229.68051 | 0 | 0 | 0 | 0 | 1225229.68051
BNR | 2134919 | -302330.95012 | 318511.56146575 | 917249 | 2385284.570419996 | 2545831.07981 | 7999464.261575746 | 121826.66946 | 121826.66946 | 178315 | 178315 | 8299605.931035746
6000901 | -44411.179119999986 | 2042074.86984575 | 2007492 | 6428796.905799996 | 9773742.45215 | 26208596.048675746 | 622691.39496 | 622691.39496 | 341440 | 341440 | 27172727.443635743
66029771.046000004 | 3245188.23969 | 20610315.964563485 | 21344904 | 82404433.77456039 | 112993553.73929742 | 306628166.7641113 | 7190271.94001 | 7190271.94001 | 7739330 | 7739330 | 321557768.60412127
Hors-bilan
Effets à l'encaissement | 768906 | 0 | 0 | 0 | 172505.23075 | 119.24767702999999 | 941530.47842703 | 0 | 0 | 0 | 0 | 941530.47842703
Crédit documentaire | 234175 | 0 | 0 | 0 | 1436202.76976 | 1239643.77992125 | 2910021.54968125 | 0 | 0 | 0 | 0 | 2910021.54968125
Autres | 6056675 | 204674.64703368003 | 1154310.06540479 | 209775 | 4574871.24278 | 1713745.4759088699 | 13914051.43112734 | 394690.89292 | 394690.89292 | 1609612.25489 | 1609612.25489 | 15918354.57893734
Portefeuille brut | 15974102 | 1304751.56067 | 10216940.751188975 | 8763980 | 27756570.31376 | 31442013.917710003 | 95458358.54332899 | 4182898.41008 | 4182898.41008 | 446815 | 446815 | 100088071.95340899
Provisions pour créances douteuses | 462866 | 631386.18109 | 39067.4474244 | 34328 | 923184.03238 | 197879.78087 | 2288711.4417644 | 134439.44846 | 134439.44846 | 0 | 0 | 2423150.8902244
Portefeuille de crédit improductif | 1173944 | 808323.6901603399 | 98744.07697016 | 35518 | 1153771 | 36191.65935 | 3306492.4264804996 | 314604.47419000004 | 314604.47419000004 | 0 | 0 | 3621096.9006704995
Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405
Immobilisation /A | 0.3139486860023186 | -6.99848608635636 | 0.30882513369239795 | 0.39067353693065776 | 0.44010860822922737 | 0.2461912737183584 | 0.3374954916807506 | 0.7628373742510342 | 0.7628373742510342 | 0.8993644564198688 | 0.8993644564198688 | 0.35430283170432614
Liquidité en % de l'actif | 0.5658491835323505 | 0.6210998185185524 | 0.4543331566617116 | 0.46985102392589817 | 0.4185348341470523 | 0.42027254223020527 | 0.4590203449383446 | 0.32862220904626155 | 0.32862220904626155 | 0.8986286926646105 | 0.8986286926646105 | 0.4666851450354783
Liquidité en % des dépôts | 0.7275982233177414 | 0.7044773348326253 | 0.6519130415164717 | 0.5766514281357518 | 0.5137519105956655 | 0.5046597533331838 | 0.5693743340397595 | 0.5570844785076318 | 0.5570844785076318 | 1.0676414461610304 | 1.0676414461610304 | 0.5817550630129252
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 46209673.61263813 | BNC | 10000000 | UNIBK | 31244134.13684 | UNIBK | 9773742.45215
SOGEBK | 33509126.02288 | UNIBK | 1020000 | SOGEBK | 26833386.28138 | SOGEBK | 6428796.905799996
BNC | 24862892 | SOGEBK | 980000 | BNC | 15511236 | BNC | 6000901
CAPITALBK | 9578925 | BPH | 776000 | BUH | 10177873.303764574 | BUH | 2042074.86984575
BUH | 8863949.91197477 | BUH | 500000 | CAPITALBK | 8729652 | CAPITALBK | 2007492
CBNA | 6954784 | CAPITALBK | 450000 | SOGEBL | 4048458.9616199997 | SOGEBL | 622691.39496
SOGEBL | 2362883.0485300003 | CBNA | 0 | BPH | 673365.37958 | CBNA | 341440
BPH | 1145848.0074299998 | SOGEBL | 0 | CBNA | 446815 | BPH | -44411.179119999986
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanmars18 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 MARS 2018
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 6031592 | 92345.03558 | 404103.28130177 | 478085 | 1914250.94595 | 1855172.5120332101 | 10775548.77486498 | 27924.89082 | 27924.89082 | 108064 | 108064 | 10911537.66568498
Avoirs à la BRH | 17079352 | 1019060.2563 | 6399986.210961295 | 7175600 | 26655426.425019998 | 39338803.01840079 | 97668227.91068208 | 1185825.98683 | 1185825.98683 | 4836788 | 4836788 | 103690841.89751208
Avoirs à l'étranger | 1439604 | 48075.65661 | 991143.9991919202 | 1712761 | 1597882.6869099997 | 4313974.120918374 | 10103441.463630293 | 4767.53806 | 4767.53806 | 510161 | 510161 | 10618370.001690293
Avoirs dans les banques locales | 0 | 0 | 13467.02246931 | 1568 | 5423.0689 | 0 | 20458.09136931 | 1068974.16112 | 1068974.16112 | 0 | 0 | 1089432.25248931
Autres liquidités | 205674 | 25056.50408 | 7246.863238100001 | 209268 | 147784.59048 | 877155.9362591649 | 1472185.894057265 | 8624.68286 | 8624.68286 | 73807 | 73807 | 1554617.576917265
24756222 | 1184537.45257 | 7815947.377162396 | 9577282 | 30320767.71726 | 46385105.58761153 | 120039862.13460392 | 2296117.25969 | 2296117.25969 | 5528820 | 5528820 | 127864799.39429393
Bons B.R.H. | 11671000 | 762000 | 200000 | 180000 | 900000 | 0 | 13713000 | 0 | 0 | 99933 | 99933 | 13812933
Bons du Trésor / M.E.F. | 1400000 | 108318.71657 | 0 | 0 | 0 | 305097.36554 | 1813416.0821099998 | 0 | 0 | 0 | 0 | 1813416.0821099998
Autres Placements | 9028673 | 24514.18696 | 286084.83625785995 | 1185677 | 15169895.79981 | 32146298.499838274 | 57841143.322866134 | 149574.57472 | 149574.57472 | 0 | 0 | 57990717.89758614
Portefeuille net | 15990462 | 688939.39549 | 9763236.137501052 | 8397578 | 25514227.913650002 | 31420085.99562 | 91774529.44226106 | 4086954.1861800007 | 4086954.1861800007 | 433070 | 433070 | 96294553.62844105
Immobilisations | 1863582.04723 | 312830.51628 | 603581.17661 | 785860 | 2717076.62654 | 2346596.05626 | 8629526.42292 | 338352.94484999997 | 338352.94484999997 | 311960 | 311960 | 9279839.36777
Autres actifs | 2092091 | 217889.88306999998 | 195589.74182714004 | 611805 | 3388669.3844600003 | 7367730.999390305 | 13873776.008747445 | 182859.00086 | 182859.00086 | 32865 | 32865 | 14089500.009607445
66802030.04723 | 3299030.15094 | 18864439.26935845 | 20738202 | 78010637.44172001 | 119970914.50426011 | 307685253.41350853 | 7053857.9663 | 7053857.9663 | 6406648 | 6406648 | 321145759.37980855
PASSIF
Dépôts
À vue | 30039589 | 1156936.73704 | 4231935.23383516 | 7322635 | 25320197.24360852 | 42601970.81758969 | 110673264.03207338 | 1559658.6929700002 | 1559658.6929700002 | 4799671 | 4799671 | 117032593.72504339
Épargne | 15466545 | 350485.04585999995 | 2805135.00150602 | 3922190 | 21932220.365962278 | 33690621.996159405 | 78167197.4094877 | 616592.7384200001 | 616592.7384200001 | 377700 | 377700 | 79161490.14790769
À terme | 7321687 | 1372696.57207 | 6793070.56732914 | 5824859 | 14682191.086497005 | 21133025.936691374 | 57127530.16258752 | 1976927.66738 | 1976927.66738 | 36029 | 36029 | 59140486.82996752
52827821 | 2880118.3549699998 | 13830140.80267032 | 17069684 | 61934608.69606781 | 97425618.75044048 | 245967991.6041486 | 4153179.0987700005 | 4153179.0987700005 | 5213400 | 5213400 | 255334570.70291862
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 1908064.00729 | 1908064.00729 | 0 | 0 | 0 | 0 | 1908064.00729
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1700765.046 | 151541.70262 | 772251.76964505 | 611930 | 3901616.05741 | 5005214.43550374 | 12143319.01117879 | 132122.81705999997 | 132122.81705999997 | 726496 | 726496 | 13001937.828238789
1700765.046 | 151541.70262 | 772251.76964505 | 611930 | 3901616.05741 | 6913278.44279374 | 14051383.01846879 | 132122.81705999997 | 132122.81705999997 | 726496 | 726496 | 14910001.83552879
Obligations à terme
Banques locales | 1862640 | 99999.99988 | 2207651.92026 | 521529 | 1879155.84435 | 0 | 6570976.76449 | 1920697.81573 | 1920697.81573 | 0 | 0 | 8491674.580219999
Banque à l'étranger | 0 | 0 | 0 | 0 | 2071179.21385 | 0 | 2071179.21385 | 0 | 0 | 0 | 0 | 2071179.21385
Autres | 3555543 | 203495.03523 | 132388.255692235 | 81788 | 573356.5123299999 | 1293656.0085524002 | 5840226.811804635 | 92261.06797999999 | 92261.06797999999 | 63233 | 63233 | 5995720.879784635
5418183 | 303495.03511 | 2340040.1759522352 | 603317 | 4523691.57053 | 1293656.0085524002 | 14482382.790144635 | 2012958.88371 | 2012958.88371 | 63233 | 63233 | 16558574.673854634
Autres passifs | 1025968 | 8905.17125 | 412148.54462783993 | 584731 | 1505978.0704 | 1455019.003346994 | 4992749.789624834 | 160237.63052 | 160237.63052 | 0 | 0 | 5152987.420144835
60972737.046000004 | 3344060.26395 | 17354581.292895447 | 18869662 | 71865894.39440781 | 107087572.20513362 | 279494507.20238686 | 6458498.43006 | 6458498.43006 | 6003129 | 6003129 | 291956134.6324469
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 550000 | 810000 | 1500000 | 6468737.5 | 12493737.5 | 250000 | 250000 | 103837 | 103837 | 12847574.5
Réserves | 671982 | 78594.77100000001 | 103338.59233000001 | 275299 | 2084680.8441400002 | 1209816.82623 | 4423712.0337000005 | 250864.7255 | 250864.7255 | 59288 | 59288 | 4733864.7592
Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 134089.14046 | 0 | 0 | 0 | 328089.14046 | 0 | 0 | 0 | 0 | 328089.14046
Surplus d'apport | 0 | 14325 | 411914.92322000006 | 1384 | 371816.94492000004 | 0 | 799440.8681400002 | 0 | 0 | 0 | 0 | 799440.8681400002
BNR | 1963311 | -302949.88401 | 310515.32050475 | 781857 | 2188245.2580999983 | 5204787.968669999 | 10145766.663264748 | 94494.81087000002 | 94494.81087000002 | 240394 | 240394 | 10480655.474134747
5829293 | -45030.11300999997 | 1509857.9765147502 | 1868540 | 6144743.047159999 | 12883342.2949 | 28190746.20556475 | 595359.53637 | 595359.53637 | 403519 | 403519 | 29189624.741934747
66802030.046000004 | 3299030.15094 | 18864439.269410197 | 20738202 | 78010637.44156781 | 119970914.50003362 | 307685253.4079516 | 7053857.96643 | 7053857.96643 | 6406648 | 6406648 | 321145759.37438166
Hors-bilan
Effets à l'encaissement | 732807 | 0 | 0 | 0 | 229189.72185 | 1084.04777059 | 963080.76962059 | 0 | 0 | 0 | 0 | 963080.76962059
Crédit documentaire | 229025 | 0 | 0 | 0 | 1171595.58997 | 1059599.7177549351 | 2460220.307724935 | 0 | 0 | 0 | 0 | 2460220.307724935
Autres | 7357670 | 197867.7882428 | 1108804.73144379 | 250807 | 4240416.835810001 | 1533495.88632875 | 14689062.241825342 | 508046.38917 | 508046.38917 | 1609612.25489 | 1609612.25489 | 16806720.885885343
Portefeuille brut | 16416967 | 1316015.89904 | 9806079.009578366 | 8438054 | 26396742.60609 | 31595048.97841 | 93968907.49311836 | 4216974.225670001 | 4216974.225670001 | 433070 | 433070 | 98618951.71878836
Provisions pour créances douteuses | 426505 | 627076.5035499999 | 42842.872077315005 | 40476 | 882514.6924400001 | 174962.98279 | 2194378.0508573153 | 130020.03949 | 130020.03949 | 0 | 0 | 2324398.090347315
Portefeuille de crédit improductif | 1179838 | 783650.656870255 | 72360.63113907499 | 56114 | 1243259 | 35792.45602 | 3371014.7440293296 | 541304.58489 | 541304.58489 | 0 | 0 | 3912319.3289193297
Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405
Immobilisation /A | 0.31969263635058315 | -6.947140377163361 | 0.3997602330805075 | 0.4205743521680028 | 0.4421790473070781 | 0.18214186990816222 | 0.3061120255559806 | 0.5683169986878697 | 0.5683169986878697 | 0.7730986644990694 | 0.7730986644990694 | 0.31791567893773864
Liquidité en % de l'actif | 0.5662585698856099 | 0.6228667442019301 | 0.4249237023537041 | 0.4704979727750747 | 0.4002116729347883 | 0.3891793535631804 | 0.440600505590438 | 0.32551226161056307 | 0.32551226161056307 | 0.8785800312425468 | 0.8785800312425468 | 0.44681003651896783
Liquidité en % des dépôts | 0.7160473645127252 | 0.7134624053188967 | 0.5795998386086336 | 0.5716146824979302 | 0.5040924351434901 | 0.47923948086745344 | 0.5511541454340492 | 0.5528577518773546 | 0.5528577518773546 | 1.0796702727586605 | 1.0796702727586605 | 0.5619730539479343
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 46385105.58761153 | BNC | 11671000 | UNIBK | 31420085.99562 | UNIBK | 12883342.2949
SOGEBK | 30320767.71726 | SOGEBK | 900000 | SOGEBK | 25514227.913650002 | SOGEBK | 6144743.047159999
BNC | 24756222 | BPH | 762000 | BNC | 15990462 | BNC | 5829293
CAPITALBK | 9577282 | BUH | 200000 | BUH | 9763236.137501052 | CAPITALBK | 1868540
BUH | 7815947.377162396 | CAPITALBK | 180000 | CAPITALBK | 8397578 | BUH | 1509857.9765147502
CBNA | 5528820 | CBNA | 99933 | SOGEBL | 4086954.1861800007 | SOGEBL | 595359.53637
SOGEBL | 2296117.25969 | UNIBK | 0 | BPH | 688939.39549 | CBNA | 403519
BPH | 1184537.45257 | SOGEBL | 0 | CBNA | 433070 | BPH | -45030.11300999997
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbandéc. 17 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 DECEMBRE 2017
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 5793865 | 146586.90623 | 550165.4227070439 | 584647 | 3113529.92235 | 2426080.7133978438 | 12614874.964684887 | 41713.3258 | 41713.3258 | 81171 | 81171 | 12737759.290484887
Avoirs à la BRH | 18202548 | 1046780.94008 | 5702633.632497523 | 6893773 | 25329354.59928 | 37831790.1251374 | 95006880.29699492 | 1150637.70499 | 1150637.70499 | 4069950 | 4069950 | 100227468.00198492
Avoirs à l'étranger | 1429845 | 150176.26925 | 707816.876708502 | 964309 | 1478036.7888000002 | 3222197.732811865 | 7952381.667570367 | 5269.82093 | 5269.82093 | 1823940 | 1823940 | 9781591.488500368
Avoirs dans les banques locales | 0 | 0 | 13399.616140574 | 1318 | 5073.43027 | -1.1005385204043706e-09 | 19791.046410572897 | 1044155.06467 | 1044155.06467 | 0 | 0 | 1063946.111080573
Autres liquidités | 319565 | 53466.35445 | 128749.18041960799 | 316795 | 220252.36606 | 907911.238744707 | 1946739.139674315 | 29120.00459 | 29120.00459 | 228836 | 228836 | 2204695.1442643153
25745823 | 1397010.4700099998 | 7102764.728473251 | 8760842 | 30146247.106760003 | 44387979.81009182 | 117540667.11533508 | 2270895.92098 | 2270895.92098 | 6203897 | 6203897 | 126015460.03631507
Bons B.R.H. | 10165000 | 564000 | 350000 | 50000 | 300000 | 1175000 | 12604000 | 0 | 0 | 239591 | 239591 | 12843591
Bons du Trésor / M.E.F. | 0 | 122899.61384 | 0 | 0 | 0 | 351780.25979 | 474679.87363 | 0 | 0 | 0 | 0 | 474679.87363
Autres Placements | 8790887 | 73919.12973000004 | 292871.371009883 | 1350207 | 14990059.35629 | 31745041.449853785 | 57242985.30688366 | 162818.63527 | 162818.63527 | 0 | 0 | 57405803.94215366
Portefeuille net | 14287127 | 692380.5676200001 | 9211638.355980592 | 8257544 | 24543593.0513 | 29734883.37857 | 86727166.3534706 | 4040562.8353200005 | 4040562.8353200005 | 430283 | 430283 | 91198012.18879059
Immobilisations | 1882994.9980899997 | 314829.99394 | 590425.59849 | 632594 | 2726008.34779 | 2325450.1141299997 | 8472303.052439999 | 329168.88068 | 329168.88068 | 317025 | 317025 | 9118496.93312
Autres actifs | 1924742 | 220685.549 | 193252.42467298004 | 772327 | 2854723.91205 | 6617531.298672923 | 12583262.184395902 | 167603.84123999998 | 167603.84123999998 | 34437 | 34437 | 12785303.025635902
62796573.99809 | 3385725.32414 | 17740952.478626706 | 19823514 | 75560631.77419 | 116337666.31110854 | 295645063.8861552 | 6971050.11349 | 6971050.11349 | 7225233 | 7225233 | 309841346.99964523
PASSIF
Dépôts
À vue | 27032438 | 1272917.63612 | 4202279.511693414 | 6706634 | 25304037.71587409 | 40913131.0549632 | 105431437.9186507 | 1634687.2883999997 | 1634687.2883999997 | 5650015 | 5650015 | 112716140.2070507
Épargne | 15347028 | 343362.34018 | 2775103.469169634 | 3855200 | 20865532.31098656 | 31989327.131498642 | 75175553.25183484 | 656794.42063 | 656794.42063 | 364705 | 364705 | 76197052.67246483
À terme | 7045528 | 1343516.13591 | 6260221.831634482 | 5577399 | 13521378.873094037 | 21192010.238250945 | 54940054.07888946 | 1814554.26024 | 1814554.26024 | 35269 | 35269 | 56789877.33912946
49424994 | 2959796.11221 | 13237604.81249753 | 16139233 | 59690948.89995469 | 94094468.42471278 | 235547045.24937502 | 4106035.9692699993 | 4106035.9692699993 | 6049989 | 6049989 | 245703070.21864498
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 1827296.07516 | 1827296.07516 | 0 | 0 | 0 | 0 | 1827296.07516
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2168141.046 | 149758.74738000002 | 743134.789576174 | 628386 | 3297112.7975100004 | 5482623.645124469 | 12469157.025590643 | 54215.45465 | 54215.45465 | 717062 | 717062 | 13240434.480240643
2168141.046 | 149758.74738000002 | 743134.789576174 | 628386 | 3297112.7975100004 | 7309919.720284469 | 14296453.100750644 | 54215.45465 | 54215.45465 | 717062 | 717062 | 15067730.555400643
Obligations à terme
Banques locales | 1210400 | 112499.99989 | 1887494.23357 | 506619 | 1707458.37836 | 0 | 5424471.611819999 | 1850880.21572 | 1850880.21572 | 0 | 0 | 7275351.827539999
Banque à l'étranger | 0 | 0 | 0 | 0 | 2258481.81551 | 0 | 2258481.81551 | 0 | 0 | 0 | 0 | 2258481.81551
Autres | 3497167 | 202094.94953 | 141035.52698290898 | 82635 | 566033.36389 | 1128585.99929777 | 5617551.839700678 | 85912.79778 | 85912.79778 | 61662 | 61662 | 5765126.637480678
4707567 | 314594.94942 | 2028529.760552909 | 589254 | 4531973.55776 | 1128585.99929777 | 13300505.267030679 | 1936793.0135 | 1936793.0135 | 61662 | 61662 | 15298960.280530678
Autres passifs | 958246 | 5620.0818500000005 | 321876.98102073 | 576494 | 1671060.82247 | 1227528.8292848493 | 4760826.714625579 | 183309.98127 | 183309.98127 | 0 | 0 | 4944136.69589558
57258948.046000004 | 3429769.89086 | 16331146.343647344 | 17933367 | 69191096.07769468 | 103760502.97357985 | 267904830.3317819 | 6280354.41869 | 6280354.41869 | 6828713 | 6828713 | 281013897.7504719
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 547726.75 | 540000 | 1500000 | 6469425 | 12222151.75 | 250000 | 250000 | 103837 | 103837 | 12575988.75
Réserves | 490508 | 78594.77100000001 | 75647.80833 | 289755 | 2015094.39426 | 1199002.86208 | 4148602.83567 | 251664.7255 | 251664.7255 | 59288 | 59288 | 4459555.56117
Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 116823.26462999999 | 0 | 0 | 0 | 274040.26463 | 0 | 0 | 0 | 0 | 274040.26463
Surplus d'apport | 0 | 14325 | 411912.05858 | 1384 | 371816.94492000004 | 0 | 799438.0035000001 | 0 | 0 | 0 | 0 | 799438.0035000001
BNR | 1889901 | -301964.33771999995 | 257696.25348475 | 1059008 | 2482624.357320001 | 4908735.47406 | 10296000.747144751 | 189030.96922 | 189030.96922 | 233395 | 233395 | 10718426.71636475
5537626 | -44044.566719999944 | 1409806.13502475 | 1890147 | 6369535.6965000015 | 12577163.33614 | 27740233.60094475 | 690695.69472 | 690695.69472 | 396520 | 396520 | 28827449.29566475
62796574.046000004 | 3385725.32414 | 17740952.478672095 | 19823514 | 75560631.77419469 | 116337666.30971986 | 295645063.9327267 | 6971050.11341 | 6971050.11341 | 7225233 | 7225233 | 309841347.04613656
Hors-bilan
Effets à l'encaissement | 701512 | 0 | 0 | 0 | 146892.07829 | 1430.933226478 | 849835.011516478 | 0 | 0 | 0 | 0 | 849835.011516478
Crédit documentaire | 222905 | 0 | 0 | 0 | 1096063.0563299998 | 1058927.816524896 | 2377895.872854896 | 0 | 0 | 0 | 0 | 2377895.872854896
Autres | 3581597 | 200552.64254919902 | 823295.86389332 | 167812 | 3942638.8178800005 | 1792472.305597526 | 10508368.629920047 | 601953.48787 | 601953.48787 | 1535642.5912 | 1535642.5912 | 12645964.708990047
Portefeuille brut | 14774252 | 1315212.96665 | 9252945.46004674 | 8296446 | 25417545.77592 | 29903209.7595 | 88959611.96211673 | 4166249.4277100004 | 4166249.4277100004 | 430283 | 430283 | 93556144.38982673
Provisions pour créances douteuses | 487125 | 622832.39903 | 41307.104066148 | 38902 | 873952.72462 | 168326.38093 | 2232445.608646148 | 125686.59239 | 125686.59239 | 0 | 0 | 2358132.201036148
Portefeuille de crédit improductif | 655272 | 682179.3370174301 | 62271.675968292 | 65382 | 700285 | 43717.43789 | 2209107.4508757223 | 390789.11771 | 390789.11771 | 0 | 0 | 2599896.5685857222
Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405
Immobilisation /A | 0.3400365062736269 | -7.14798708184455 | 0.41879914111711164 | 0.3346797894555291 | 0.4279759903516853 | 0.18489464213666587 | 0.3054157068147926 | 0.4765758396878979 | 0.4765758396878979 | 0.7995183092908302 | 0.7995183092908302 | 0.3163129987532853
Liquidité en % de l'actif | 0.5718595890452918 | 0.6154988619401158 | 0.420088196361042 | 0.44446418531043486 | 0.4029379637500574 | 0.3946680514210868 | 0.44181135741628014 | 0.32576095193828614 | 0.32576095193828614 | 0.8918034892438763 | 0.8918034892438763 | 0.44969379412782057
Liquidité en % des dépôts | 0.7265721266450735 | 0.7040721741789168 | 0.5629994877500156 | 0.5459269346938606 | 0.5100647194902126 | 0.48796449821722854 | 0.5545361303542468 | 0.5530628416252613 | 0.5530628416252613 | 1.0650412752816576 | 1.0650412752816576 | 0.5670817657506497
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 44387979.81009182 | BNC | 10165000 | UNIBK | 29734883.37857 | UNIBK | 12577163.33614
SOGEBK | 30146247.106760003 | UNIBK | 1175000 | SOGEBK | 24543593.0513 | SOGEBK | 6369535.6965000015
BNC | 25745823 | BPH | 564000 | BNC | 14287127 | BNC | 5537626
CAPITALBK | 8760842 | BUH | 350000 | BUH | 9211638.355980592 | CAPITALBK | 1890147
BUH | 7102764.728473251 | SOGEBK | 300000 | CAPITALBK | 8257544 | BUH | 1409806.13502475
CBNA | 6203897 | CBNA | 239591 | SOGEBL | 4040562.8353200005 | SOGEBL | 690695.69472
SOGEBL | 2270895.92098 | CAPITALBK | 50000 | BPH | 692380.5676200001 | CBNA | 396520
BPH | 1397010.4700099998 | SOGEBL | 0 | CBNA | 430283 | BPH | -44044.566719999944
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanjuin 17 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 SEPTEMBRE 2016
AU 30 JUIN 2017
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 6120461 | 186228.4284 | 393014.500116084 | 556920 | 2101717.8704 | 1850963.009669528 | 11209304.80858561 | 35311.876520000005 | 35311.876520000005 | 57140 | 57140 | 11301756.68510561
Avoirs à la BRH | 16743080 | 1019554.08985 | 5769782.560208991 | 7484279 | 24656648.037609998 | 36209171.94010833 | 91882515.62777732 | 1155740.41916 | 1155740.41916 | 3540142 | 3540142 | 96578398.04693732
Avoirs à l'étranger | 695772 | 105635.01187 | 279776.801888736 | 1795553 | 1012027.0071799998 | 7992691.934771208 | 11881455.755709944 | 8994.77822 | 8994.77822 | 1189323 | 1189323 | 13079773.533929944
Avoirs dans les banques locales | 0 | 0 | 49766.395315104004 | 2629 | 2649.76213 | 6.556914513566881e-10 | 55045.15744510466 | 1198098.7860899998 | 1198098.7860899998 | 0 | 0 | 1253143.9435351044
Autres liquidités | 206428 | 38840.6475 | 114.51978194399999 | 211918 | 100901.81825 | 671607.1828616039 | 1229810.1683935479 | 16558.78168 | 16558.78168 | 112564 | 112564 | 1358932.950073548
23765741 | 1350258.17762 | 6492454.777310859 | 10051299 | 27873944.49557 | 46724434.06741067 | 116258131.51791154 | 2414704.64167 | 2414704.64167 | 4899169 | 4899169 | 123572005.15958153
Bons B.R.H. | 8000000 | 225000 | 500000 | 171834 | 700000 | 2025000 | 11621834 | 0 | 0 | 49967 | 49967 | 11671801
Bons du Trésor / M.E.F. | 1400000 | 152061.40838 | 0 | 0 | 0 | 445146.04829 | 1997207.45667 | 0 | 0 | 0 | 0 | 1997207.45667
Autres Placements | 10079379 | 523417.55253 | 342757.7963052959 | 970886 | 15298941.68221 | 37630757.90899296 | 64846139.94003826 | 189299.25637000002 | 189299.25637000002 | 0 | 0 | 65035439.19640826
Portefeuille net | 13593650 | 740867.47437 | 7818230.427052463 | 7211596 | 21269509.718200002 | 26443577.17437 | 77077430.79399246 | 3951365.913364 | 3951365.913364 | 597474 | 597474 | 81626270.70735645
Immobilisations | 1836571.7673399998 | 314110.97077 | 545528.51762 | 615064 | 2708558.72596 | 2164730.03415 | 8184564.01584 | 337243.66108000005 | 337243.66108000005 | 325954 | 325954 | 8847761.67692
Autres actifs | 1791567 | 221497.70723000003 | 133141.76085192 | 450591 | 2606509.32316 | 2200823.005816232 | 7404129.797058152 | 156420.22295999998 | 156420.22295999998 | 34039 | 34039 | 7594589.020018152
60466908.76734 | 3527213.2909 | 15832113.27914054 | 19471270 | 70457463.94510001 | 117634468.23902987 | 287389437.5215104 | 7049033.695444 | 7049033.695444 | 5906603 | 5906603 | 300345074.2169544
PASSIF
Dépôts
À vue | 26783475 | 1310469.47706 | 3973806.1236295123 | 7190901 | 24085786.700159997 | 41637104.492469095 | 104981542.7933186 | 1602173.30403 | 1602173.30403 | 4539996 | 4539996 | 111123712.0973486
Épargne | 14553365 | 331266.65408999997 | 2693040.5456529036 | 3755111 | 21518308.51233 | 30949930.910071168 | 73801022.62214407 | 610910.28469 | 610910.28469 | 331548 | 331548 | 74743480.90683407
À terme | 6648863 | 1412228.76961 | 5358690.393064208 | 5038959 | 12671398.706382459 | 20833567.379743513 | 51963707.24880017 | 2188980.03768 | 2188980.03768 | 34619 | 34619 | 54187306.28648017
47985703 | 3053964.9007599996 | 12025537.062346624 | 15984971 | 58275493.91887245 | 93420602.78228378 | 230746272.66426283 | 4402063.6263999995 | 4402063.6263999995 | 4906163 | 4906163 | 240054499.29066283
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 2810876.77429 | 2810876.77429 | 0 | 0 | 0 | 0 | 2810876.77429
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1632955.046 | 160638.7507 | 448972.411659452 | 466944 | 1775785.0536099996 | 2563085.085546856 | 7048380.347516308 | 74215.1897999999 | 74215.1897999999 | 584490 | 584490 | 7707085.537316307
1632955.046 | 160638.7507 | 448972.411659452 | 466944 | 1775785.0536099996 | 5373961.859836856 | 9859257.121806309 | 74215.1897999999 | 74215.1897999999 | 584490 | 584490 | 10517962.311606307
Obligations à terme
Banques locales | 1210400 | 137499.99991 | 1728870.00016 | 622214 | 1362668.04227 | 0 | 5061652.04234 | 1687772.72404 | 1687772.72404 | 0 | 0 | 6749424.76638
Banque à l'étranger | 0 | 0 | 0 | 0 | 946012.59597 | 0 | 946012.59597 | 0 | 0 | 0 | 0 | 946012.59597
Autres | 3724864.7199999997 | 210337.6667 | 117594.90473915999 | 110059 | 704529.85684 | 1286798.889191012 | 6154185.037470172 | 80856.59292 | 80856.59292 | 37616 | 37616 | 6272657.630390172
4935264.72 | 347837.66661 | 1846464.9048991601 | 732273 | 3013210.4950800003 | 1286798.889191012 | 12161849.675780173 | 1768629.31696 | 1768629.31696 | 37616 | 37616 | 13968094.992740173
Autres passifs | 1013892 | 6213.01871 | 218841.57137286398 | 602429 | 1793793.8147899997 | 1458256.689337416 | 5093426.09421028 | 170272.81991000002 | 170272.81991000002 | 0 | 0 | 5263698.91412028
55567814.766 | 3568654.33678 | 14539815.9502781 | 17786617 | 64858283.282352455 | 101539620.22064908 | 257860805.55605966 | 6415180.953069999 | 6415180.953069999 | 5528269 | 5528269 | 269804255.50912964
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 547696.5 | 540000 | 1345720 | 3232525 | 8830941.5 | 200000 | 200000 | 103837 | 103837 | 9134778.5
Réserves | 490509 | 78594.77100000001 | 80314.03429 | 271906 | 1907418.11602 | 2434254.06523 | 5262995.98654 | 251452.08089999997 | 251452.08089999997 | 63866 | 63866 | 5578314.06744
Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 87894.04088 | 0 | 0 | 0 | 245111.04088 | 0 | 0 | 0 | 0 | 245111.04088
Surplus d'apport | 0 | 14325 | 411816.88018 | 1384 | 210816.3445 | 0 | 638342.22468 | 0 | 0 | 0 | 0 | 638342.22468
BNR | 1251368 | -299360.81688 | 164575.87350999998 | 871363 | 2135226.2022299985 | 10428068.952370001 | 14551241.211229999 | 182400.66122999997 | 182400.66122999997 | 210631 | 210631 | 14944272.872459998
4899094 | -41441.04587999999 | 1292297.32886 | 1684653 | 5599180.662749998 | 16094848.0176 | 29528631.963329997 | 633852.7421299999 | 633852.7421299999 | 378334 | 378334 | 30540818.705459997
60466908.766 | 3527213.2909 | 15832113.2791381 | 19471270 | 70457463.94510245 | 117634468.23824908 | 287389437.51938957 | 7049033.695199999 | 7049033.695199999 | 5906603 | 5906603 | 300345074.2145896
Hors-bilan
Effets à l'encaissement | 654000 | 0 | 0 | 0 | 145502.78106 | 4915.137001511999 | 804417.9180615119 | 0 | 0 | 0 | 0 | 804417.9180615119
Crédit documentaire | 187055 | 0 | 0 | 0 | 1340961.9151700002 | 1109038.300194924 | 2637055.215364924 | 0 | 0 | 0 | 0 | 2637055.215364924
Autres | 3060099 | 196209.412267312 | 954478.5688243199 | 172081 | 3320466.45292 | 1477257.998177736 | 9180592.432189368 | 501240.1031119999 | 501240.1031119999 | 1549364.1630000002 | 1549364.1630000002 | 11231196.698301367
Portefeuille brut | 13976152 | 1347811.18495 | 7865247.511693696 | 7254349 | 22216898.34056 | 26634939.90316 | 79295397.9403637 | 4066488.868044 | 4066488.868044 | 597474 | 597474 | 83959360.80840771
Provisions pour créances douteuses | 382502 | 606943.71058 | 47017.084641232 | 42753 | 947388.62236 | 191362.72879 | 2217967.146371232 | 115122.95468 | 115122.95468 | 0 | 0 | 2333090.101051232
Portefeuille de crédit improductif | 1008213 | 735271.8854934 | 47016.611528908 | 80786 | 788711 | 94421.23238 | 2754419.729402308 | 466977.49000000005 | 466977.49000000005 | 0 | 0 | 3221397.219402308
Dépôts US convertis | 21185728 | 1520065.03864 | 8107416.2889783 | 11272143 | 39189592.84966679 | 66808768.472785726 | 148083713.65007082 | 3352471.66432 | 3352471.66432 | 4175420 | 4175420 | 155611605.3143908
Immobilisation /A | 0.37487987928788463 | -7.57970664349459 | 0.42213854771427717 | 0.36509833182263646 | 0.4837419774609863 | 0.13449832093989517 | 0.27717382999672874 | 0.5320536437954435 | 0.5320536437954435 | 0.861550904756115 | 0.861550904756115 | 0.2897028322079075
Liquidité en % de l'actif | 0.548494071817242 | 0.48971225824544873 | 0.44166275556679513 | 0.525036784965747 | 0.40554886445862753 | 0.41819868659361553 | 0.45192048147162867 | 0.3425582492577238 | 0.3425582492577238 | 0.8378988735149459 | 0.8378988735149459 | 0.4569444462309224
Liquidité en % des dépôts | 0.6911588020290127 | 0.565599030155895 | 0.5814671512015094 | 0.6395465465655208 | 0.4903252220452886 | 0.5265924073552424 | 0.56285707879474 | 0.5485392412750612 | 0.5485392412750612 | 1.0087589833440105 | 1.0087589833440105 | 0.5717077331263737
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 46724434.06741067 | BNC | 8000000 | UNIBK | 26443577.17437 | UNIBK | 16094848.0176
SOGEBK | 27873944.49557 | UNIBK | 2025000 | SOGEBK | 21269509.718200002 | SOGEBK | 5599180.662749998
BNC | 23765741 | SOGEBK | 700000 | BNC | 13593650 | BNC | 4899094
CAPITALBK | 10051299 | BUH | 500000 | BUH | 7818230.427052463 | CAPITALBK | 1684653
BUH | 6492454.777310859 | BPH | 225000 | CAPITALBK | 7211596 | BUH | 1292297.32886
CBNA | 4899169 | CAPITALBK | 171834 | SOGEBL | 3951365.913364 | SOGEBL | 633852.7421299999
SOGEBL | 2414704.64167 | CBNA | 49967 | BPH | 740867.47437 | CBNA | 378334
BPH | 1350258.17762 | SOGEBL | 0 | CBNA | 597474 | BPH | -41441.04587999999
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbanmars. 17 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 MARS 2017
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 7720608.266 | 137227.50087 | 449110.743461714 | 506300 | 2123951.26676 | 1946365.827485593 | 12883563.604577305 | 42853.75115 | 42853.75115 | 79710 | 79710 | 13006127.355727306
Avoirs à la BRH | 21448956.89774 | 1264344.57729 | 6149845.501019382 | 6932391 | 26657358.09034 | 32596079.75750554 | 95048975.82389492 | 1210652.6864800001 | 1210652.6864800001 | 2973812 | 2973812 | 99233440.51037492
Avoirs à l'étranger | 823674.04171 | 162257.27963 | 0 | 1853105 | 2689589.52957 | 5486138.179536035 | 11014764.030446036 | 13970.19207 | 13970.19207 | 2341113 | 2341113 | 13369847.222516036
Avoirs dans les banques locales | 0 | 0 | 143179.453943912 | 1699 | 6505.75843 | -7.845021457342227e-10 | 151384.2123739112 | 1166516.08428 | 1166516.08428 | 0 | 0 | 1317900.2966539112
Autres liquidités | 231583.06674 | 34338.01446 | 739104.6784002159 | 229360 | 88490.12394 | 791462.8446714389 | 2114338.7282116553 | 24422.72448 | 24422.72448 | 186914 | 186914 | 2325675.452691655
30224822.272189997 | 1598167.37225 | 7481240.376825224 | 9522855 | 31565894.769039996 | 40820046.60919861 | 121213026.39950383 | 2458415.4384600003 | 2458415.4384600003 | 5581549 | 5581549 | 129252990.83796382
Bons B.R.H. | 5123000 | 470000 | 0 | 0 | 225000 | 0 | 5818000 | 0 | 0 | 0 | 0 | 5818000
Bons du Trésor / M.E.F. | 1400000 | 166642.30565 | 0 | 0 | 0 | 491828.94254 | 2058471.24819 | 0 | 0 | 0 | 0 | 2058471.24819
Autres Placements | 9609898.614929998 | 26046.82363 | 372894.224420778 | 1140489 | 16146507.07451 | 30232007.45770801 | 57527843.19519879 | 429478.54691999994 | 429478.54691999994 | 0 | 0 | 57957321.74211879
Portefeuille net | 13591935.38634 | 1011120.33883 | 7876028.323175008 | 7755127 | 21208596.01848 | 26981513.007810004 | 78424320.074635 | 4165633.50705 | 4165633.50705 | 587187 | 587187 | 83177140.581685
Immobilisations | 1782225.1606199995 | 311163.51572 | 520533.6842700001 | 586044 | 2705681.94012 | 2103157.49154 | 8008805.792269999 | 325468.26604 | 325468.26604 | 330528 | 330528 | 8664802.058309998
Autres actifs | 1750920.89829 | 235541.72526 | 161070.80212029198 | 434443 | 2479095.80935 | 2769750.8148342 | 7830823.049854492 | 177706.39054 | 177706.39054 | 32526 | 32526 | 8041055.440394492
63482802.33236999 | 3818682.08134 | 16411767.410811301 | 19438958 | 74330775.6115 | 103398304.32363081 | 280881289.75965214 | 7556702.149010001 | 7556702.149010001 | 6531790 | 6531790 | 294969781.9086621
PASSIF
Dépôts
À vue | 29579103.693839997 | 1446933.8147200001 | 3678497.0402112994 | 6981693 | 25451485.828617528 | 33792747.061480224 | 100930460.43886906 | 1738766.54973 | 1738766.54973 | 4784106 | 4784106 | 107453332.98859906
Épargne | 14976419.387929998 | 353528.66336 | 2786704.3437564336 | 4011314 | 22922651.71138147 | 31884807.287343316 | 76935425.39377122 | 683801.86462 | 683801.86462 | 357214 | 357214 | 77976441.25839122
À terme | 6544977.90713 | 1492417.85845 | 6186574.666337195 | 5320934 | 14192708.802825214 | 18105039.117121436 | 51842652.351863846 | 2460690.31445 | 2460690.31445 | 37943 | 37943 | 54341285.66631385
51100500.9889 | 3292880.33653 | 12651776.050304927 | 16313941 | 62566846.342824206 | 83782593.46594498 | 229708538.18450415 | 4883258.728800001 | 4883258.728800001 | 5179263 | 5179263 | 239771059.91330412
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 1938329.1063899999 | 1938329.1063899999 | 0 | 0 | 0 | 0 | 1938329.1063899999
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1671396.60114 | 162043.5774 | 596730.341796539 | 494546 | 1848738.1106600005 | 3332548.269568963 | 8106002.900565502 | 108026.49785 | 108026.49785 | 944211 | 944211 | 9158240.398415502
1671396.60114 | 162043.5774 | 596730.341796539 | 494546 | 1848738.1106600005 | 5270877.375958962 | 10044332.006955503 | 108026.49785 | 108026.49785 | 944211 | 944211 | 11096569.504805502
Obligations à terme
Banques locales | 1070400 | 149999.99992 | 1608257.08345 | 373385 | 1213415.6621400001 | 0 | 4415457.745510001 | 1716218.9782 | 1716218.9782 | 0 | 0 | 6131676.7237100005
Banque à l'étranger | 0 | 0 | 0 | 0 | 704294.00029 | 0 | 704294.00029 | 0 | 0 | 0 | 0 | 704294.00029
Autres | 4106912.4570999998 | 208077.05383 | 71084.451535817 | 70096 | 600047.5461900001 | 453430.917514034 | 5509648.426169851 | 70336.88308 | 70336.88308 | 35871 | 35871 | 5615856.309249851
5177312.4571 | 358077.05374999996 | 1679341.534985817 | 443481 | 2517757.20862 | 453430.917514034 | 10629400.171969851 | 1786555.86128 | 1786555.86128 | 35871 | 35871 | 12451827.033249851
Autres passifs | 854980.41663 | 2660.7460899999996 | 261927.41645855003 | 630719 | 2132398.48467 | 1299617.5340270088 | 5182303.59787556 | 173450.4977299999 | 173450.4977299999 | 0 | 0 | 5355754.09560556
58804190.46377 | 3815661.71377 | 15189775.343545835 | 17882687 | 69065740.1467742 | 90806519.29344499 | 255564573.96130502 | 6951291.58566 | 6951291.58566 | 6159345 | 6159345 | 268675210.546965
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 165000 | 549088.65917 | 540000 | 1330595 | 3232525 | 8817208.65917 | 200000 | 200000 | 103837 | 103837 | 9121045.65917
Réserves | 490509.017 | 64740.496 | 75378.91922 | 279662 | 1874755.0695 | 2420837.9082299997 | 5205883.409949999 | 251452.08089999997 | 251452.08089999997 | 63865 | 63865 | 5521200.49085
Réserves (Prov. Pour pertes sur prêts) | 157217.06915 | 0 | 93748.95312 | 0 | 0 | 0 | 250966.02227000002 | 0 | 0 | 0 | 0 | 250966.02227000002
Surplus d'apport | 0 | 14325 | 414144.06934 | 1384 | 125897.67262 | 0 | 555750.74196 | 0 | 0 | 0 | 0 | 555750.74196
BNR | 1030885.75774 | -241045.12843 | 89631.46641999998 | 735225 | 1933787.722599999 | 6938422.12045 | 10486906.938779999 | 153958.4828 | 153958.4828 | 204743 | 204743 | 10845608.421579998
4678611.84389 | 3020.367569999973 | 1221992.06727 | 1556271 | 5265035.46472 | 12591785.02868 | 25316715.772129998 | 605410.5636999999 | 605410.5636999999 | 372445 | 372445 | 26294571.335829996
63482802.30766 | 3818682.0813399996 | 16411767.410815835 | 19438958 | 74330775.6114942 | 103398304.32212499 | 280881289.7334351 | 7556702.14936 | 7556702.14936 | 6531790 | 6531790 | 294969781.88279504
Hors-bilan
Effets à l'encaissement | 0 | 0 | 0 | 0 | 123167.93713 | 547.674955049 | 123715.61208504901 | 0 | 0 | 0 | 0 | 123715.61208504901
Crédit documentaire | 341213.316 | 0 | 0 | 0 | 1428369.5702 | 1571797.1788139371 | 3341380.065013937 | 0 | 0 | 0 | 0 | 3341380.065013937
Autres | 2116309.91175 | 203466.333166015 | 1559309.544800024 | 171116 | 3837584.7266499996 | 1579792.6691360208 | 9467579.18550206 | 601212.8842099999 | 601212.8842099999 | -757562.20683 | -757562.20683 | 9311229.862882059
Portefeuille brut | 13976793.45937 | 1565554.7878700001 | 7929705.873031712 | 7800254 | 22157362.993809998 | 27263068.859240003 | 80692739.9733217 | 4281302.14185 | 4281302.14185 | 587187 | 587187 | 85561229.1151717
Provisions pour créances douteuses | 384858.07302999997 | 554434.44904 | 53677.549856704 | 45127 | 948766.97533 | 281555.85143000004 | 2268419.898686704 | 115668.6348 | 115668.6348 | 0 | 0 | 2384088.5334867043
Portefeuille de crédit improductif | 997082.54785 | 731679.814694684 | 50853.36287324799 | 66850 | 796964 | 130730.37436999999 | 2774160.099787932 | 366312.20177 | 366312.20177 | 0 | 0 | 3140472.301557932
Dépôts US convertis | 21185728 | 1520065.03864 | 8107416.2889783 | 11272143 | 39189592.84966679 | 66808768.472785726 | 148083713.65007082 | 3352471.66432 | 3352471.66432 | 4175420 | 4175420 | 155611605.3143908
Immobilisation /A | 0.3809303314929799 | 103.02173775491929 | 0.42597141029966096 | 0.37656937641323396 | 0.5138962421526426 | 0.16702615925777717 | 0.3163445789870787 | 0.5375992517389898 | 0.5375992517389898 | 0.8874545234866893 | 0.8874545234866893 | 0.3295281732356293
Liquidité en % de l'actif | 0.5788626355811047 | 0.5852306189144164 | 0.45584611270428643 | 0.48988505453841713 | 0.4276949151613791 | 0.39954113195546015 | 0.4595873856822385 | 0.32532914358442405 | 0.32532914358442405 | 0.8545205831785774 | 0.8545205831785774 | 0.46489325516271424
Liquidité en % des dépôts | 0.7191284148108905 | 0.6786792866742972 | 0.5913193805422216 | 0.583724987113782 | 0.5081108706494057 | 0.4930842295844017 | 0.5619708290686517 | 0.5034374738248049 | 0.5034374738248049 | 1.0776724410403564 | 1.0776724410403564 | 0.57191832131758
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 40820046.60919861 | BNC | 5123000 | UNIBK | 26981513.007810004 | UNIBK | 12591785.02868
SOGEBK | 31565894.769039996 | BPH | 470000 | SOGEBK | 21208596.01848 | SOGEBK | 5265035.46472
BNC | 30224822.272189997 | SOGEBK | 225000 | BNC | 13591935.38634 | BNC | 4678611.84389
CAPITALBK | 9522855 | CAPITALBK | 0 | BUH | 7876028.323175008 | CAPITALBK | 1556271
BUH | 7481240.376825224 | CBNA | 0 | CAPITALBK | 7755127 | BUH | 1221992.06727
CBNA | 5581549 | UNIBK | 0 | SOGEBL | 4165633.50705 | SOGEBL | 605410.5636999999
SOGEBL | 2458415.4384600003 | BUH | 0 | BPH | 1011120.33883 | CBNA | 372445
BPH | 1598167.37225 | SOGEBL | 0 | CBNA | 587187 | BPH | 3020.367569999973
SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbandéc. 16 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 31 DECEMBRE 2016
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 7078993.744 | 127789.60646 | 589460.337957808 | 448782 | 2808328.77204 | 2138890.267340015 | 13192244.727797825 | 52972.21194 | 52972.21194 | 60129 | 120855 | 180984 | 13426200.939737825
Avoirs à la BRH | 17364382.190410003 | 999327.5172700001 | 5139154.28615508 | 5963826 | 24239466.10655 | 27829300.15668352 | 81535456.2570686 | 1216117.41803 | 1216117.41803 | 3950016 | 3148403 | 7098419 | 89849992.6750986
Avoirs à l'étranger | 1094957.2488 | 161763.99172 | 432086.789638848 | 1647501 | 1303720.70946 | 2426133.452227305 | 7066163.191846153 | 4589.09092 | 4589.09092 | 265139 | 1354438 | 1619577 | 8690329.282766152
Avoirs dans les banques locales | 0 | 0 | 14861.30772696 | 933 | 2728.25494 | 0 | 18522.56266696 | 785076.45987 | 785076.45987 | 0 | 0 | 0 | 803599.02253696
Autres liquidités | 192549.36944000004 | 37606.66916 | 14863.868736784 | 230988 | 112277.93193000002 | 971104.985121802 | 1559390.824388586 | 15307.381010000001 | 15307.381010000001 | 166497 | 89147 | 255644 | 1830342.2053985859
25730882.55265 | 1326487.7846100002 | 6190426.59021548 | 8292030 | 28466521.774920005 | 33365428.861372642 | 103371777.56376812 | 2074062.5617700003 | 2074062.5617700003 | 4441781 | 4712843 | 9154624 | 114600464.12553813
Bons B.R.H. | 8650000 | 776000 | 0 | 396791 | 425000 | 0 | 10247791 | 0 | 0 | 99950 | 0 | 99950 | 10347741
Bons du Trésor / M.E.F. | 1400000 | 181223.20292 | 0 | 0 | 0 | 538511.83679 | 2119735.03971 | 0 | 0 | 0 | 0 | 0 | 2119735.03971
Autres Placements | 8756662.852840003 | 25311.49003 | 396962.147357864 | 1151594 | 17290537.05805 | 27757422.668712165 | 55378490.21699003 | 2406477.1714 | 2406477.1714 | 0 | 0 | 0 | 57784967.388390034
Portefeuille net | 12680024.04587 | 1048551.42491 | 7050399.810845597 | 7431185 | 21683571.517899998 | 24829952.26824 | 74723684.0677656 | 4110579.8190500005 | 4110579.8190500005 | 662576 | 2044064 | 2706640 | 81540903.8868156
Immobilisations | 1867214.0200299998 | 313177.76937 | 538433.42716 | 564850 | 2678828.43975 | 2100118.6361100003 | 8062622.29242 | 311956.61313 | 311956.61313 | 333343 | 84169 | 417512 | 8792090.90555
Autres actifs | 1744147.24042 | 232433.0241 | 176839.285756008 | 588512 | 2414464.65133 | 1596155.8972029723 | 6752552.09880898 | 178873.64461999998 | 178873.64461999998 | 36029 | -89746 | -53717 | 6877708.74342898
60828930.71181001 | 3903184.6959400005 | 14353061.26133495 | 18424962 | 72958923.44195001 | 90187590.1684278 | 260656652.27946272 | 9081949.809969999 | 9081949.809969999 | 5573679 | 6751330 | 12325009 | 282063611.0894328
PASSIF
Dépôts
À vue | 28987555.96525 | 1526582.4923999999 | 3104450.41375848 | 6433262 | 23458564.884668484 | 29337345.455783404 | 92847761.21186036 | 1647428.06889 | 1647428.06889 | 3959733 | 3819506 | 7779239 | 102274428.28075036
Épargne | 14571692.493189998 | 366989.80152 | 2559050.9637469603 | 3747576 | 21879983.9511383 | 28081313.57025259 | 71206606.77984785 | 693992.77488 | 693992.77488 | 337984 | 1751322 | 2089306 | 73989905.55472785
À terme | 6194488.5404900005 | 1451444.04761 | 5185839.719203088 | 4844258 | 15755464.967027573 | 16606191.474987146 | 50037686.74931781 | 4018327.92888 | 4018327.92888 | 37005 | 340772 | 377777 | 54433791.67819781
49753736.99893 | 3345016.34153 | 10849341.096708529 | 15025096 | 61094013.80283436 | 74024850.50102314 | 214092054.74102604 | 6359748.77265 | 6359748.77265 | 4334722 | 5911600 | 10246322 | 230698125.51367602
Obligations à vue
Banques locales | 0 | 0 | 0 | 285000 | 0 | 954652.59725 | 1239652.59725 | 0 | 0 | 0 | 0 | 0 | 1239652.59725
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1203063.72751 | 185705.00805 | 412808.509568672 | 562049 | 1397450.3706300003 | 2089784.45022354 | 5850861.065982212 | 70794.89456 | 70794.89456 | 812089 | 319866 | 1131955 | 7053610.960542212
1203063.72751 | 185705.00805 | 412808.509568672 | 847049 | 1397450.3706300003 | 3044437.04747354 | 7090513.663232213 | 70794.89456 | 70794.89456 | 812089 | 319866 | 1131955 | 8293263.557792213
Obligations à terme
Banques locales | 444000 | 162499.99993 | 1636023.33344 | 226561 | 782121.2656 | 0 | 3251205.59897 | 1726039.9167 | 1726039.9167 | 0 | 0 | 0 | 4977245.51567
Banque à l'étranger | 0 | 0 | 0 | 0 | 1127815.0994000002 | 0 | 1127815.0994000002 | 0 | 0 | 0 | 0 | 0 | 1127815.0994000002
Autres | 3696478.76678 | 206957.95355 | 111380.15434239202 | 94783 | 1102386.86689 | 516127.65118324803 | 5728114.39274564 | 90362.83069 | 90362.83069 | 47799 | 48885 | 96684 | 5915161.22343564
4140478.76678 | 369457.95348 | 1747403.487782392 | 321344 | 3012323.2318900004 | 516127.65118324803 | 10107135.09111564 | 1816402.74739 | 1816402.74739 | 47799 | 48885 | 96684 | 12020221.83850564
Autres passifs | 998664.85 | 8606.66971 | 243321.86449968803 | 626014 | 2056238.5166699998 | 1306935.037305311 | 5239780.938184999 | 173350.62456 | 173350.62456 | 1259 | 65745 | 67004 | 5480135.562744999
56095944.34322 | 3908785.97277 | 13252874.958559282 | 16819503 | 67560025.92202437 | 78892350.23698524 | 236529484.43355888 | 8420297.03916 | 8420297.03916 | 5195869 | 6346096 | 11541965 | 256491746.4727189
AVOIR DES ACTIONNAIRES
Capital versé | 1500000 | 165000 | 542746.99917 | 540000 | 1330595 | 3233325 | 7311666.99917 | 200000 | 200000 | 103837 | 94373 | 198210 | 7709876.99917
Réserves | 327142.246 | 64740.496 | 53151.246490000005 | 226473 | 1798415.32429 | 654377.60976 | 3124299.9225399997 | 251452.08089999997 | 251452.08089999997 | 61225 | 47186 | 108411 | 3484163.0034399997
Réserves (Prov. Pour pertes sur prêts) | 159708.82656000002 | 0 | 84645.93348 | 0 | 0 | 0 | 244354.76004000002 | 0 | 0 | 0 | 25933 | 25933 | 270287.76004
Surplus d'apport | 0 | 14325 | 373948.88833999995 | 1384 | 125897.67262 | 0 | 515555.5609599999 | 0 | 0 | 0 | 0 | 0 | 515555.5609599999
BNR | 2746135.2961 | -249666.77283 | 45693.235349999995 | 837602 | 2143989.52301 | 7407537.319060001 | 12931290.60069 | 210200.68967999998 | 210200.68967999998 | 212748 | 237742 | 450490 | 13591981.29037
4732986.36866 | -5601.276830000017 | 1100186.30283 | 1605459 | 5398897.51992 | 11295239.928820001 | 24127167.8434 | 661652.7705799999 | 661652.7705799999 | 377810 | 405234 | 783044 | 25571864.613980003
60828930.711880006 | 3903184.69594 | 14353061.261389282 | 18424962 | 72958923.44194438 | 90187590.16580524 | 260656652.2769589 | 9081949.80974 | 9081949.80974 | 5573679 | 6751330 | 12325009 | 282063611.0866989
Hors-bilan
Effets à l'encaissement | 0 | 0 | 0 | 0 | 123451.56952 | 5767.285391336 | 129218.854911336 | 0 | 0 | 0 | 0 | 0 | 129218.854911336
Crédit documentaire | 244450.171 | 0 | 0 | 0 | 1527716.2624000001 | 1055260.1093528161 | 2827426.5427528163 | 0 | 0 | 0 | 71152 | 71152 | 2898578.5427528163
Autres | 2150656.171 | 338881.55855656 | 102781.574883776 | 211084 | 3908603.4265799997 | 628175.882668104 | 7340182.613688439 | 674028.255102 | 674028.255102 | -954648.8684799997 | 1186236 | 231587.1315200003 | 8245798.00031044
Portefeuille brut | 13157609.62294 | 1597025.3201799998 | 7104534.7173067 | 7492724 | 22619766.225759998 | 25091726.39871 | 77063386.2848967 | 4219809.715530001 | 4219809.715530001 | 662576 | 2114060 | 2776636 | 84059832.00042671
Provisions pour créances douteuses | 477585.57707 | 548473.89527 | 54134.90646110401 | 61539 | 936194.70786 | 261774.13047 | 2339702.217131104 | 109229.89648 | 109229.89648 | 0 | 69996 | 69996 | 2518928.113611104
Portefeuille de crédit improductif | 639174.419 | 680584.3940036639 | 55500.460010471994 | 65861 | 762153 | 12509.777940000002 | 2215783.0509541356 | 529087.4604 | 529087.4604 | 0 | 128695 | 128695 | 2873565.5113541353
Dépôts US convertis | 22288435.23879 | 1784556.0548100001 | 6868971.067668528 | 11334024 | 42095786.36407436 | 50163988.93282313 | 134535761.65816602 | 5080523.45405 | 5080523.45405 | 2726740 | 3500837 | 6227577 | 145843862.11221603
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 33365428.861372642 | BNC | 8650000 | UNIBK | 24829952.26824 | UNIBK | 11295239.928820001
SOGEBK | 28466521.774920005 | BPH | 776000 | SOGEBK | 21683571.517899998 | SOGEBK | 5398897.51992
BNC | 25730882.55265 | SOGEBK | 425000 | BNC | 12680024.04587 | BNC | 4732986.36866
CAPITALBK | 8292030 | CAPITALBK | 396791 | CAPITALBK | 7431185 | CAPITALBK | 1605459
BUH | 6190426.59021548 | CBNA | 99950 | BUH | 7050399.810845597 | BUH | 1100186.30283
SCOTIA | 4712843 | UNIBK | 0 | SOGEBL | 4110579.8190500005 | SOGEBL | 661652.7705799999
CBNA | 4441781 | BUH | 0 | SCOTIA | 2044064 | SCOTIA | 405234
SOGEBL | 2074062.5617700003 | SCOTIA | 0 | BPH | 1048551.42491 | CBNA | 377810
BPH | 1326487.7846100002 | SOGEBL | 0 | CBNA | 662576 | BPH | -5601.276830000017
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbansept. 16 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 SEPTEMBRE 2016
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 8085458.86272 | 146651.21622 | 387879.38370987197 | 483307 | 2247354.50227 | 1464313.4921792662 | 12814964.457099136 | 32876.646459999996 | 32876.646459999996 | 90232 | 90909 | 181141 | 13028982.103559136
Avoirs à la BRH | 17680736.87568 | 1292484.57736 | 4346531.398423185 | 5737111 | 23694209.69418 | 27048046.203845344 | 79799119.74948853 | 1101993.94706 | 1101993.94706 | 3151544 | 3048613 | 6200157 | 87101270.69654854
Avoirs à l'étranger | 829503.02621 | 24158.03431 | 450572.96267541597 | 1526659 | 1657998.83801 | 1551959.0058798597 | 6040850.867085275 | 6106.41099 | 6106.41099 | 662257 | 1300841 | 1963098 | 8010055.278075275
Avoirs dans les banques locales | 0 | 0 | 206162.07681047998 | 762 | 2645.03938 | 0.5135672332618175 | 209569.62975771324 | 356306.96691 | 356306.96691 | 0 | 0 | 0 | 565876.5966677133
Autres liquidités | 529923.70989 | 53003.8307 | 915.3793076000001 | 160484 | 114385.1936 | 640565.204853264 | 1499277.318350864 | 30318.967380000002 | 30318.967380000002 | 140392 | 132799 | 273191 | 1802787.2857308642
27125622.474499997 | 1516297.6585900001 | 5392061.2009265525 | 7908323 | 27716593.26744 | 30704884.420324966 | 100363782.02178153 | 1527602.9388 | 1527602.9388 | 4044425 | 4573162 | 8617587 | 110508971.96058153
Bons B.R.H. | 8550000 | 520000 | 0 | 229280 | 450000 | 0 | 9749280 | 0 | 0 | 717660 | 0 | 717660 | 10466940
Bons du Trésor / M.E.F. | 1400000 | 195804.10019 | 0 | 0 | 0 | 585194.73104 | 2180998.8312299997 | 0 | 0 | 0 | 0 | 0 | 2180998.8312299997
Autres Placements | 7424434.975090001 | 37721.18637 | 421099.653130112 | 1077041 | 16171370.873690002 | 26884592.744854473 | 52016260.433134586 | 2365402.87076 | 2365402.87076 | 0 | 0 | 0 | 54381663.30389459
Portefeuille net | 12070989.83093 | 1083400.16735 | 6260595.229417007 | 7139923 | 21239380.97674 | 24839199.19299 | 72633488.39742701 | 4095844.532667 | 4095844.532667 | 744549 | 2012504 | 2757053 | 79486385.930094
Immobilisations | 1853226.9670299997 | 315400.18067000003 | 545637.47267 | 513620 | 2605701.3763200003 | 1905794.4704099998 | 7739380.467099999 | 288440.87075 | 288440.87075 | 336196 | 100641 | 436837 | 8464658.337849999
Autres actifs | 1740679.9426099998 | 36449.41872 | 168866.35615540008 | 244092 | 2255392.3790499996 | 1240081.660069248 | 5685561.756604647 | 159276.2775299999 | 159276.2775299999 | 5010 | 16115 | 21125 | 5865963.034134647
60164954.19016 | 3705072.71189 | 12788259.91229907 | 17112279 | 70438438.87324001 | 86159747.21968868 | 250368751.90727776 | 8436567.490507 | 8436567.490507 | 5847840 | 6702422 | 12550262 | 271355581.39778477
PASSIF
Dépôts
À vue | 29560291.305030003 | 1553008.29211 | 2791395.43309088 | 6045670 | 21569671.20947007 | 28337570.484993607 | 89857606.72469455 | 1451241.3418 | 1451241.3418 | 4047601 | 3743014 | 7790615 | 99099463.06649455
Épargne | 13408578.313669998 | 349391.42669999995 | 2543540.021496704 | 3580489 | 21041967.37972573 | 26238291.68289642 | 67162257.82448885 | 625973.66186 | 625973.66186 | 363045 | 1815518 | 2178563 | 69966794.48634885
À terme | 5955359.23224 | 1455748.3975 | 4185222.9343464077 | 4706458 | 15601913.954013113 | 15636281.188554617 | 47540983.70665414 | 3920398.83952 | 3920398.83952 | 46567 | 341556 | 388123 | 51849505.54617414
48924228.85094 | 3358148.11631 | 9520158.388933992 | 14332617 | 58213552.54320891 | 70212143.35644464 | 204560848.25583753 | 5997613.84318 | 5997613.84318 | 4457213 | 5900088 | 10357301 | 220915763.09901753
Obligations à vue
Banques locales | 0 | 0 | 0 | 232976 | 0 | 880532.45646 | 1113508.45646 | 0 | 0 | 360000 | 0 | 360000 | 1473508.45646
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 687247.888766208 | 0 | 0 | 0 | 0 | 0 | 687247.888766208
Autres | 2010947.7527799997 | 158807.11024 | 426686.13899043994 | 365337 | 1401479.525 | 1655901.865180896 | 6019159.392191335 | 104794.04464 | 104794.04464 | 613369 | 320949 | 934318 | 7058271.436831335
2010947.7527799997 | 158807.11024 | 426686.13899043994 | 598313 | 1401479.525 | 3223682.210407104 | 7819915.737417542 | 104794.04464 | 104794.04464 | 973369 | 320949 | 1294318 | 9219027.782057542
Obligations à terme
Banques locales | 198000 | 174999.99994 | 1415303.33342 | 0 | 712829.73018 | 0 | 2501133.06354 | 1445444.6667 | 1445444.6667 | 0 | 0 | 0 | 3946577.73024
Banque à l'étranger | 0 | 0 | 0 | 0 | 1682965.0831100002 | 0 | 1682965.0831100002 | 0 | 0 | 0 | 0 | 0 | 1682965.0831100002
Autres | 3575140.79943 | 16195.531869999999 | 119459.75453243201 | 88943 | 1070448.7120100001 | 555270.291067928 | 5425458.088910361 | 88800.62738 | 88800.62738 | 38212 | 42741 | 80953 | 5595211.716290361
3773140.79943 | 191195.53181000001 | 1534763.087952432 | 88943 | 3466243.5253 | 555270.291067928 | 9609556.235560361 | 1534245.29408 | 1534245.29408 | 38212 | 42741 | 80953 | 11224754.529640362
Autres passifs | 1010026.04205 | 9934.49585 | 274827.0183998 | 566298 | 2087807.1198 | 1235305.7456866088 | 5184198.421786409 | 162543.19188 | 162543.19188 | 2178 | 57072 | 59250 | 5405991.613666409
55718343.44519999 | 3718085.25421 | 11756434.634276662 | 15586171 | 65169082.713308915 | 75226401.60360628 | 227174518.65060186 | 7799196.37378 | 7799196.37378 | 5470972 | 6320850 | 11791822 | 246765537.02438188
AVOIR DES ACTIONNAIRES
Capital versé | 1500000 | 165000 | 539184.99917 | 540000 | 1330595 | 3234712.5 | 7309492.49917 | 200000 | 200000 | 103837 | 94373 | 198210 | 7707702.49917
Réserves | 327142.246 | 64740.496 | 57070.248 | 222733 | 1563251.29725 | 648776.90215 | 2883714.1894 | 223078.9839 | 223078.9839 | 64834 | 87074 | 151908 | 3258701.1733
Réserves (Prov. Pour pertes sur prêts) | 159708.82656000002 | 0 | 67840.98040999999 | 0 | 0 | 0 | 227549.80697 | 0 | 0 | 0 | 25462 | 25462 | 253011.80697
Surplus d'apport | 0 | 14325 | 346520.79623000004 | 1384 | 125897.67262 | 0 | 488127.46885000006 | 0 | 0 | 0 | 0 | 0 | 488127.46885000006
BNR | 2459759.67556 | -257078.03832 | 21208.254140000034 | 761991 | 2249612.190060001 | 7049856.215559999 | 12285349.297 | 214292.13356 | 214292.13356 | 208197 | 174663 | 382860 | 12882501.43056
4446610.74812 | -13012.542320000008 | 1031825.27795 | 1526108 | 5269356.15993 | 10933345.61771 | 23194233.26139 | 637371.11746 | 637371.11746 | 376868 | 381572 | 758440 | 24590044.378849998
60164954.19331999 | 3705072.71189 | 12788259.912226662 | 17112279 | 70438438.87323892 | 86159747.22131628 | 250368751.91199183 | 8436567.49124 | 8436567.49124 | 5847840 | 6702422 | 12550262 | 271355581.40323186
Hors-bilan
Effets à l'encaissement | 0 | 0 | 0 | 0 | 111401.26890000001 | 271.457874491 | 111672.726774491 | 0 | 0 | 0 | 0 | 0 | 111672.726774491
Crédit documentaire | 196610.4 | 0 | 0 | 0 | 1115041.48352 | 1022605.422937896 | 2334257.306457896 | 0 | 0 | 0 | 65193 | 65193 | 2399450.306457896
Autres | 1725729.7650000001 | 238690.841050216 | 91104.716427712 | 123434 | 4345757.98061 | 591566.379731576 | 7116283.682819504 | 597211.68542 | 597211.68542 | -1111258 | 933815 | -177443 | 7536052.368239504
Portefeuille brut | 12541336.939 | 1625694.58353 | 6312831.975697439 | 7193246 | 22150423.64859 | 25091895.702 | 74915428.84881744 | 4182810.581047 | 4182810.581047 | 744549 | 2094335 | 2838884 | 81937123.42986444
Provisions pour créances douteuses | 470347.10806999996 | 542294.41618 | 52236.746280432 | 53323 | 911042.67185 | 252696.50901 | 2281940.451390432 | 86966.04838 | 86966.04838 | 0 | 81831 | 81831 | 2450737.4997704322
Portefeuille de crédit improductif | 559665.132 | 613196.962776768 | 43366.456848248 | 85055 | 726965 | 174164.35942000002 | 2202412.911045016 | 435380.44466000004 | 435380.44466000004 | 0 | 143923 | 143923 | 2781716.355705016
Dépôts US convertis | 22113567.72763 | 1734437.25441 | 5917046.689783992 | 10865099 | 39652302.116298914 | 47334513.81060464 | 127616966.59872755 | 4734873.09525 | 4734873.09525 | 3151252 | 3141907 | 6293159 | 138644998.69397753
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
UNIBK | 30704884.420324966 | BNC | 8550000 | UNIBK | 24839199.19299 | UNIBK | 10933345.61771
SOGEBK | 27716593.26744 | CBNA | 717660 | SOGEBK | 21239380.97674 | SOGEBK | 5269356.15993
BNC | 27125622.474499997 | BPH | 520000 | BNC | 12070989.83093 | BNC | 4446610.74812
CAPITALBK | 7908323 | SOGEBK | 450000 | CAPITALBK | 7139923 | CAPITALBK | 1526108
BUH | 5392061.2009265525 | CAPITALBK | 229280 | BUH | 6260595.229417007 | BUH | 1031825.27795
SCOTIA | 4573162 | UNIBK | 0 | SOGEBL | 4095844.532667 | SOGEBL | 637371.11746
CBNA | 4044425 | BUH | 0 | SCOTIA | 2012504 | SCOTIA | 381572
SOGEBL | 1527602.9388 | SCOTIA | 0 | BPH | 1083400.16735 | CBNA | 376868
BPH | 1516297.6585900001 | SOGEBL | 0 | CBNA | 744549 | BPH | -13012.542320000008
3637.4000000003725
687247.8999999762
3637.4000000003725
[bilsysbansept. 12 ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 SEPTEMBRE 2012
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 1370114.043 | 96412.01367 | 209436.958434238 | 218417 | 2498599.17418 | 529917.705687048 | 4922896.894971286 | 15353.20853 | 15353.20853 | 42194 | 81129 | 123323 | 5061573.103501286
Avoirs à la BRH | 18834806.552 | 766794.2219 | 1113552.778932362 | 2755816 | 10043893.1533 | 16212771.642809624 | 49727634.34894199 | 312908.24065000005 | 312908.24065000005 | 2536514 | 1637353 | 4173867 | 54214409.58959199
Avoirs à l'étranger | 1198118.509 | 56353.20409 | 158639.735013642 | 687504 | 972058.23866 | 3641525.8499604375 | 6714199.536724079 | 1050.91609 | 1050.91609 | 395584 | 1020107 | 1415691 | 8130941.45281408
Avoirs dans les banques locales | 0 | 0 | 76348.91644467601 | 15305 | 2406.21458 | 59111.892658244265 | 153172.02368292026 | 1596205.0412599999 | 1596205.0412599999 | 0 | 0 | 0 | 1749377.06494292
Autres liquidités | 264043.619 | 28482.354420000003 | 34882.693079198 | 268085 | 407643.55497999996 | 782101.1513286759 | 1785238.3728078739 | 36795.10037 | 36795.10037 | 245856 | 59929 | 305785 | 2127818.473177874
21667082.723 | 948041.79408 | 1592861.0819041163 | 3945127 | 13924600.3357 | 21225428.24244403 | 63303141.17712815 | 1962312.5069 | 1962312.5069 | 3220148 | 2798518 | 6018666 | 71284119.68402815
Bons B.R.H. | 3397881 | 0 | 0 | 80000 | 599999.605 | 1791680.1 | 5869560.705 | 0 | 0 | 399899 | 0 | 399899 | 6269459.705
Autres Placements | 7262705.038590001 | 24297.35108 | 24215.426527732005 | 652046 | 11469064.330850001 | 10857402.07829904 | 30289730.225346774 | 28992.930800000002 | 28992.930800000002 | 0 | 0 | 0 | 30318723.156146772
Portefeuille net | 6347999.1491 | 871518.50167 | 1384144.9737510919 | 4108729 | 16211855.77159 | 17174851.66467 | 46099099.06078109 | 2089734.9150224 | 2089734.9150224 | 1584777 | 2086555 | 3671332 | 51860165.975803494
Immobilisations | 1109657.26255 | 129549.13488 | 213238.20509 | 296962 | 1420379.1239800001 | 1322498.0337099999 | 4492283.76021 | 154237.68187000003 | 154237.68187000003 | 247807 | 54511 | 302318 | 4948839.44208
Autres actifs | 1820978.734 | 127775.67998000002 | 60051.489842443996 | 344886 | 2230529.631 | 1081183.8865861301 | 5665405.421408573 | 75513.69421 | 75513.69421 | 123299 | 10179 | 133478 | 5874397.1156185735
41606303.90724 | 2101182.4616900003 | 3274511.1771153845 | 9427750 | 45856428.79812 | 53453044.0057092 | 155719220.3498746 | 4310791.728802401 | 4310791.728802401 | 5575930 | 4949763 | 10525693 | 170555705.078677
PASSIF
Dépôts
À vue | 25592452.41 | 742741.99014 | 902954.3588698499 | 3966588 | 15369480.80241 | 23902240.379860204 | 70476457.94128005 | 840457.01093 | 840457.01093 | 3135559 | 2216716 | 5352275 | 76669189.95221005
Épargne | 7973275.461000001 | 482950.52103 | 1709736.717832484 | 2387708 | 17580604.56353 | 18102263.584215958 | 48236538.84760845 | 429145.14979000005 | 429145.14979000005 | 429570 | 1290146 | 1719716 | 50385399.99739844
À terme | 3051012.0819800003 | 606813.83676 | 615245.1466297801 | 1560473 | 5649320.537453178 | 4465893.249784335 | 15948757.852607295 | 2002074.14769 | 2002074.14769 | 1171474 | 661199 | 1832673 | 19783505.000297293
36616739.95298 | 1832506.3479300002 | 3227936.223332114 | 7914769 | 38599405.90339318 | 46470397.2138605 | 134661754.6414958 | 3271676.30841 | 3271676.30841 | 4736603 | 4168061 | 8904664 | 146838094.9499058
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 200000 | 0 | 200000 | 200000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1216512.3 | 108975.199220276 | 122885.84126214201 | 268674 | 1956972.72036 | 661118.1145989479 | 4335138.175441366 | 102852.65009 | 102852.65009 | 231908 | 160285 | 392193 | 4830183.825531365
1216512.3 | 108975.199220276 | 122885.84126214201 | 268674 | 1956972.72036 | 661118.1145989479 | 4335138.175441366 | 102852.65009 | 102852.65009 | 431908 | 160285 | 592193 | 5030183.825531365
Obligations à terme
Banques locales | 3000 | 28530 | 0 | 0 | 0 | 650000 | 681530 | 500000 | 500000 | 0 | 0 | 0 | 1181530
Banque à l'étranger | 0 | 0 | 0 | 0 | 634833 | 0 | 634833 | 0 | 0 | 0 | 0 | 0 | 634833
Autres | 1302768.9079999998 | 124234.22892 | 7564.83929765 | 255237 | 275111.09762 | 846520.293628382 | 2811436.3674660316 | 10784.995340000023 | 10784.995340000023 | 80230 | 53924 | 134154 | 2956375.3628060315
1305768.9079999998 | 152764.22892 | 7564.83929765 | 255237 | 909944.09762 | 1496520.293628382 | 4127799.3674660316 | 510784.99534 | 510784.99534 | 80230 | 53924 | 134154 | 4772738.3628060315
Autres passifs | 275889.672 | 0 | 143634.70773921005 | 241876 | 1399117.24767 | 473583.12652092794 | 2534100.753930138 | 5585.566539999999 | 5585.566539999999 | 94203 | 363592 | 457795 | 2997481.320470138
39414910.83297999 | 2094245.776070276 | 3502021.6116311164 | 8680556 | 42865439.96904319 | 49101618.748608746 | 145658792.9383333 | 3890899.52038 | 3890899.52038 | 5342944 | 4745862 | 10088806 | 159638498.4587133
AVOIR DES ACTIONNAIRES
Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2093492 | 3768694.375 | 150000 | 150000 | 103837 | 94373 | 198210 | 4116904.375
Réserves | 186951.353 | 46655 | 24498.97294 | 147921 | 1179291.5603800002 | 105578.7695 | 1690896.65582 | 130984.99542 | 130984.99542 | 79683 | 71875 | 151558 | 1973439.65124
Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002
BNR | 1504441.724 | -59043.31439 | -507532.50594 | 327886 | 963217.813250001 | 2152354.49075 | 4381324.207670001 | 138907.21292000002 | 138907.21292000002 | 49466 | 37653 | 87119 | 4607350.420590001
2191393.077 | 6936.68561 | -227510.43452 | 747194 | 2990988.828800001 | 4351425.26025 | 10060427.417140001 | 419892.20834 | 419892.20834 | 232986 | 203901 | 436887 | 10917206.625480002
41606303.90997999 | 2101182.461680276 | 3274511.1771111162 | 9427750 | 45856428.79784319 | 53453044.00885875 | 155719220.35547334 | 4310791.72872 | 4310791.72872 | 5575930 | 4949763 | 10525693 | 170555705.08419332
Hors-bilan
Effets à l'encaissement | 0 | 0 | 0 | 0 | 86017.31283 | 2136.50718429 | 88153.82001429 | 0 | 0 | 0 | 0 | 0 | 88153.82001429
Crédit documentaire | 86889.277 | 0 | 0 | 0 | 779585.4834400001 | 596824.937580654 | 1463299.6980206543 | 0 | 0 | 66592 | 3048 | 69640 | 1532939.6980206543
Autres | 46330.311 | 174516.155339206 | 150 | 162745 | 1980524.7513399995 | 362692.71921780996 | 2726958.936897015 | 1078134.40245 | 1078134.40245 | 2729812 | 293648 | 3023460 | 6828553.339347015
Portefeuille brut | 6541273.8451 | 1199872.87192 | 1433465.548540514 | 4137722 | 16518676.833 | 17231662.81123 | 47062673.909790516 | 2163512.5342324 | 2163512.5342324 | 1617316 | 2258806 | 3876122 | 53102308.444022916
Provisions pour créances douteuses | 193274.696 | 328354.37025 | 49320.574789422 | 28993 | 306821.06140999997 | 56811.14656 | 963574.849009422 | 73777.61921 | 73777.61921 | 32539 | 172250.6 | 204789.6 | 1242142.0682194221
Portefeuille de crédit improductif | 147203.39899999998 | 367554.87442 | 38277 | 24943 | 248992.777 | 44520.28062 | 871491.33104 | 125622.022461 | 125622.022461 | 0 | 287980 | 287980 | 1285093.353501
Dépôts US convertis | 15609345 | 674886.15438 | 1412576.78263281 | 3573548 | 21304801.07 | 22793481.997474585 | 65368639.004487395 | 2317515.34401 | 2317515.34401 | 2910589 | 1358864 | 4269453 | 71955607.34849739
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
BNC | 21667082.723 | SOGEBK | 599999.605 | SOGEBK | 16211855.77159 | UNIBK | 4351425.26025
SOGEBK | 13924600.3357 | BNC | 3397881 | UNIBK | 17174851.66467 | SOGEBK | 2990988.828800001
UNIBK | 21225428.24244403 | UNIBK | 1791680.1 | BNC | 6347999.1491 | BNC | 2191393.077
CAPITALBK | 3945127 | BUH | 0 | CAPITALBK | 4108729 | CAPITALBK | 747194
CBNA | 3220148 | CAPITALBK | 80000 | SCOTIA | 2086555 | SOGEBL | 419892.20834
SCOTIA | 2798518 | CBNA | 399899 | SOGEBL | 2089734.9150224 | CBNA | 232986
SOGEBL | 1962312.5069 | BPH | 0 | CBNA | 1584777 | SCOTIA | 203901
BUH | 1592861.0819041163 | SCOTIA | 0 | BUH | 1384144.9737510919 | BPH | 6936.68561
BPH | 948041.79408 | SOGEBL | 0 | BPH | 871518.50167 | BUH | -227510.43452
[bilsysbansept. 11]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
BILAN PAR BANQUE (DEVISES ET GOURDES)
AU 30 SEPTEMBRE 2011
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
ACTIF
Disponibilités
Encaisse | 1488174.722 | 91515.90851 | 201180.01104191 | 186348 | 1766417.2985599998 | 490047.19718948804 | 4223683.137301398 | 36858.32558 | 36858.32558 | 38710 | 42212 | 80922 | 4341463.462881398
Avoirs à la BRH | 17886141.397 | 539315.11344 | 1519274.681042774 | 2367954 | 10646690.897349998 | 14203488.27244992 | 47162864.36128269 | 302769.37097000005 | 302769.37097000005 | 1922661 | 1361981 | 3284642 | 50750275.732252695
Avoirs à l'étranger | 2197690.962 | 84189.00872 | 149426.77713698402 | 790654 | 1676646.894 | 4840002.0959622385 | 9738609.73781922 | -190.6524 | -190.6524 | 717111 | 1099940 | 1817051 | 11555470.08541922
Avoirs dans les banques locales | 0 | 0 | 55838.142408726 | 25071 | 10406.72236 | 82052.4741297409 | 173368.3388984669 | 1606176.10165 | 1606176.10165 | 0 | 0 | 0 | 1779544.440548467
Autres liquidités | 217176.18000000002 | 81184.02363000001 | 15745.951939594 | 200245 | 381007.48737000005 | 422217.551286412 | 1317576.194226006 | 48984.62468 | 48984.62468 | 125904 | 42646 | 168550 | 1535110.818906006
21789183.261 | 796204.0543 | 1941465.5635699881 | 3570272 | 14481169.299639996 | 20037807.591017798 | 62616101.769527785 | 1994597.77048 | 1994597.77048 | 2804386 | 2546779 | 5351165 | 69961864.5400078
Bons B.R.H. | 3847999.5 | 170000 | 0 | 0 | 1425000 | 350000 | 5792999.5 | 0 | 0 | 384920 | 150000 | 534920 | 6327919.5
Autres Placements | 4132127.5435800003 | 23438.94866 | 23328.127456934002 | 685989 | 12500865.426439999 | 12245083.451345455 | 29610832.49748239 | 55725.620800000004 | 55725.620800000004 | 0 | 0 | 0 | 29666558.11828239
Portefeuille net | 3751142.6182700004 | 425797.31739 | 1123957.013653338 | 3304691 | 11647178.84734 | 13143530.35426 | 33396297.150913335 | 1717204.336383 | 1717204.336383 | 1759910 | 1823893 | 3583803 | 38697304.487296335
Immobilisations | 937521.8705500001 | 120710.61300000001 | 236518.38985999997 | 245121 | 1318390.42879 | 1214194.38468 | 4072456.68688 | 177948.04894 | 177948.04894 | 66814 | 48614 | 115428 | 4365832.73582
Autres actifs | 1731794.589 | 18550.0453771 | 66661.62404671001 | 266917 | 1638728.64137 | 1053823.940380842 | 4776475.840174653 | 70314.15616 | 70314.15616 | 114197 | 14838 | 129035 | 4975824.996334652
36189769.3824 | 1554700.9787271 | 3391930.71858697 | 8072990 | 43011332.64358 | 48044439.7216841 | 140265163.44497815 | 4015789.932763 | 4015789.932763 | 5130227 | 4584124 | 9714351 | 153995304.37774116
PASSIF
Dépôts
À vue | 21232008.13 | 554030.43226 | 937957.143328938 | 3502122 | 15232045.606699996 | 21378208.948365685 | 62836372.26065461 | 725355.0565 | 725355.0565 | 2986574 | 1913087 | 4899661 | 68461388.31715462
Épargne | 7535982.67 | 465547.87168 | 1671035.8748480282 | 2163229 | 17058001.856620006 | 17209814.976216234 | 46103612.24936427 | 408520.66936000006 | 408520.66936000006 | 340790 | 1143934 | 1484724 | 47996856.91872427
À terme | 3013854.00479 | 426649.08075 | 697635.3500488321 | 1256483 | 6078294.673244312 | 4175306.0473045562 | 15648222.156137701 | 1924144.6655100002 | 1924144.6655100002 | 809265 | 709119 | 1518384 | 19090750.8216477
31781844.804789998 | 1446227.38469 | 3306628.3682257985 | 6921834 | 38368342.136564314 | 42763329.97188647 | 124588206.66615659 | 3058020.3913700003 | 3058020.3913700003 | 4136629 | 3766140 | 7902769 | 135548996.0575266
Obligations à vue
Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320000 | 0 | 320000 | 320000
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1105932.159 | 85629.8444551 | 110687.06894135599 | 228641 | 1112211.23944 | 626919.9696353759 | 3270021.2814718317 | 144235.87298 | 144235.87298 | 355904 | 227942 | 583846 | 3998103.1544518317
1105932.159 | 85629.8444551 | 110687.06894135599 | 228641 | 1112211.23944 | 626919.9696353759 | 3270021.2814718317 | 144235.87298 | 144235.87298 | 675904 | 227942 | 903846 | 4318103.154451832
Obligations à terme
Banques locales | 3000 | 0 | 0 | 0 | 0 | 0 | 3000 | 400000 | 400000 | 0 | 0 | 0 | 403000
Banque à l'étranger | 0 | 0 | 0 | 0 | -0.04578 | 0 | -0.04578 | 0 | 0 | 0 | 0 | 0 | -0.04578
Autres | 1154173.809 | 18750.605170000003 | 7814.75193767 | 37442 | 262627.21996 | 346949.643754244 | 1827758.029821914 | 3877.4264000000003 | 3877.4264000000003 | 79502 | 28117 | 107619 | 1939254.456221914
1157173.809 | 18750.605170000003 | 7814.75193767 | 37442 | 262627.17418000003 | 346949.643754244 | 1830757.9840419139 | 403877.4264 | 403877.4264 | 79502 | 28117 | 107619 | 2342254.410441914
Autres passifs | 278632.205 | 207.92538 | 149604.899336698 | 256606 | 670192.78408 | 553442.697620232 | 1908686.5114169302 | 3256.79684 | 3256.79684 | 23191 | 346382 | 369573 | 2281516.30825693
34323582.97779 | 1550815.7596951 | 3574735.088441523 | 7444523 | 40413373.334264316 | 44290642.282896325 | 131597672.44308726 | 3609390.48759 | 3609390.48759 | 4915226 | 4368581 | 9283807 | 144490869.93067726
AVOIR DES ACTIONNAIRES
Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2000000 | 3675202.375 | 150000 | 150000 | 103837 | 94372 | 198209 | 4023411.375
Réserves | 175715.154 | 53964 | 26065.105 | 117270 | 1003392.86263 | 65043.87904 | 1441451.00067 | 129575.44542 | 129575.44542 | 70546 | 67566 | 138112 | 1709138.44609
Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002
BNR | 1190471.26348 | -69403.78114 | -464392.59516 | 239810 | 746086.9915200004 | 1688753.5638000001 | 3331325.4425000004 | 126823.99971999999 | 126823.99971999999 | 40618 | 53605 | 94223 | 3552372.4422200006
1866186.4174799998 | 3885.2188599999936 | -182804.39168 | 628467 | 2597959.30932 | 3753797.44284 | 8667490.996820001 | 406399.44513999997 | 406399.44513999997 | 215001 | 215543 | 430544 | 9504434.44196
36189769.39527 | 1554700.9785550998 | 3391930.696761523 | 8072990 | 43011332.64358432 | 48044439.72573633 | 140265163.43990725 | 4015789.93273 | 4015789.93273 | 5130227 | 4584124 | 9714351 | 153995304.37263727
Hors-bilan
Effets à l'encaissement | 0 | 0 | 0 | 0 | 219678.57768 | 145.10341 | 219823.68109 | 0 | 0 | 0 | 0 | 0 | 219823.68109
Crédit documentaire | 52598.229 | 0 | 0 | 0 | 661696.7755499999 | 694553.3393294401 | 1408848.34387944 | 0 | 0 | 28682 | 4817 | 33499 | 1442347.34387944
Autres | 47029.754 | 18741373.979716074 | 0 | 55341 | 2030626.4121399997 | 475139.26518574194 | 21349510.41104182 | 406029.01094 | 406029.01094 | 1397646 | 205630 | 1603276 | 23358815.42198182
0
Portefeuille brut | 4143937.3332700003 | 688058.56169 | 1209091.197351708 | 3342503 | 11928394.60496 | 13196317.68852 | 34508302.385791704 | 1796790.877043 | 1796790.877043 | 1799066 | 1971431 | 3770497 | 40075590.262834705
Provisions pour créances douteuses | 392794.71499999997 | 262261.2443 | 85134.18369837 | 37812 | 281215.75762 | 52787.33426 | 1112005.2348783698 | 79586.54066 | 79586.54066 | 39156 | 147538 | 186694 | 1378285.7755383698
Portefeuille de crédit improductif | 392796.287 | 315640.42819 | 85511 | 23432 | 173346 | 58416.757410000006 | 1049142.4726 | 118165.0926667 | 118165.0926667 | 0 | 313049 | 313049 | 1480356.5652667
Dépôts US convertis | 7797930 | 671682.6 | 1249080.2000000002 | 2777183 | 17897710.200000003 | 16869755.7 | 47263341.7 | 2253304 | 2253304 | 2279642 | 833814 | 3113456 | 52630101.7
DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION.
SOGEBK | 14481169.299639996 | BNC | 3847999.5 | SOGEBK | 11647178.84734 | UNIBK | 3753797.44284
UNIBK | 20037807.591017798 | SOGEBK | 1425000 | UNIBK | 13143530.35426 | SOGEBK | 2597959.30932
BNC | 21789183.261 | UNIBK | 350000 | BNC | 3751142.6182700004 | BNC | 1866186.4174799998
CAPITALBK | 3570272 | CBNA | 384920 | CAPITALBK | 3304691 | CAPITALBK | 628467
CBNA | 2804386 | BPH | 170000 | SCOTIA | 1823893 | SOGEBL | 406399.44513999997
SOGEBL | 1994597.77048 | BUH | 0 | CBNA | 1759910 | CBNA | 215001
SCOTIA | 2546779 | CAPITALBK | 0 | SOGEBL | 1717204.336383 | SCOTIA | 215543
BUH | 1941465.5635699881 | SCOTIA | 150000 | BUH | 1123957.013653338 | BPH | 3885.2188599999936
BPH | 796204.0543 | SOGEBL | 0 | BPH | 425797.31739 | BUH | -182804.39168
BICH | #REF! | BICH | #REF!
[RÉSULTsyst ]
SYSTÈME BANCAIRE
SOMMAIRE FINANCIER DÉTAILLÉ
RÉSULTATS TRIMESTRIELS PAR BANQUE
(En milliers de gourdes)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
TRIM 3 2024 (Avril.-Juin. 24)
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 501262 | 31348.41697 | 357459.63599 | 495716 | 825208.6379399999 | 1421488.221294 | 3632482.9121939996 | 131836.60547 | 131836.60547 | 4753 | 4753 | 3769072.5176639995
Intérêts sur Bons B.R.H. | 107869 | 0 | 1813.5 | 4187 | 237766.30547000002 | 21874 | 373509.80547 | 0 | 0 | 0 | 0 | 373509.80547
Autres | 1042183 | 48572.82888 | 66959.22828615899 | 102153 | 257668.82528 | 877354.39109 | 2394891.2735361587 | 40973.48007 | 40973.48007 | 15486 | 15486 | 2451350.753606159
1651314 | 79921.24585 | 426232.364276159 | 602056 | 1320643.7686899998 | 2320716.612384 | 6400883.991200158 | 172810.08554 | 172810.08554 | 20239 | 20239 | 6593933.076740159
Dépenses d'intérêt | 164735 | 31285.14289 | 123205.77318000002 | 135208 | 251811.52079 | 284163.15868 | 990408.59554 | 47433.08586999999 | 47433.08586999999 | 0 | 0 | 1037841.68141
1486579 | 48636.102960000004 | 303026.59109615895 | 466848 | 1068832.2478999998 | 2036553.453704 | 5410475.395660158 | 125376.99967000002 | 125376.99967000002 | 20239 | 20239 | 5556091.395330159
AUTRES REVENUS
Commissions | 210656 | 5535.3891300000005 | 171478.93863222204 | 287573 | 476383.57112000004 | 562246.4483400001 | 1713873.3472222222 | 5941.062880000009 | 5941.062880000009 | 20318 | 20318 | 1740132.4101022223
Gains sur change | 60195 | 1854.3585899999998 | 70656.14742821189 | 131678 | 276899.52977 | 417186.65865 | 958469.694438212 | 3708.8692900000005 | 3708.8692900000005 | 13163 | 13163 | 975341.5637282119
Autres | 15264 | 47897.31278 | 58013.81628033587 | 134448 | 72909.20535000002 | 22658.455429999958 | 351190.78984033584 | 8106.226279999999 | 8106.226279999999 | 35121 | 35121 | 394418.01612033584
286115 | 55287.0605 | 300148.9023407698 | 553699 | 826192.3062400002 | 1002091.5624200001 | 3023533.83150077 | 17756.15845000001 | 17756.15845000001 | 68602 | 68602 | 3109891.9899507705
PRODUIT NET BANCAIRE | 1772694 | 103923.16346000001 | 603175.4934369288 | 1020547 | 1895024.5541400001 | 3038645.016124 | 8434009.227160929 | 143133.15812000004 | 143133.15812000004 | 88841 | 88841 | 8665983.38528093
Dotation à la provision pour créances douteuses | 270000 | -18000 | -10729.95542658987 | 45106 | 244590.14625999998 | 341325.97072000004 | 872292.1615534101 | 21000 | 21000 | 0 | 0 | 893292.1615534101
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1502694 | 121923.16346000001 | 613905.4488635187 | 975441 | 1650434.40788 | 2697319.0454039997 | 7561717.065607519 | 122133.15812000004 | 122133.15812000004 | 88841 | 88841 | 7772691.22372752
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 706168 | 29894.101629999997 | 222175.31088 | 291899 | 612718.37783 | 1063054.55498 | 2925909.3453200003 | 39906.58954 | 39906.58954 | 20197 | 20197 | 2986012.9348600004
Frais de locaux | 64936 | 4921.379220000001 | 112852.3588 | 46151 | 54308.98686999998 | 100610.87624 | 383780.60112999997 | 21987.858029999996 | 21987.858029999996 | 159 | 159 | 405927.45915999997
Amortissement | 56679 | 2192.38914 | 26065.69552 | 35351 | 94495.78399 | 194788.79 | 409572.65865 | 3746.45157 | 3746.45157 | 2598 | 2598 | 415917.11022
Autres dépenses d'exploitation | 314460 | 20626.120870000002 | 209206.05273746402 | 346496 | 673404.74001 | 980321.27898 | 2544514.1925974637 | 30722.80135 | 30722.80135 | 28222 | 28222 | 2603458.9939474636
1142243 | 57633.990860000005 | 570299.4179374641 | 719897 | 1434927.8887 | 2338775.5001999997 | 6263776.797697464 | 96363.70048999999 | 96363.70048999999 | 51176 | 51176 | 6411316.498187464
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 360451 | 64289.172600000005 | 43606.03092605458 | 255544 | 215506.51918000006 | 358543.5452040001 | 1297940.267910055 | 25769.457630000048 | 25769.457630000048 | 37665 | 37665 | 1361374.725540056
Impôts sur le revenu | 0 | 0 | -12372.414581012366 | 60807 | 65300 | 198172.18771000003 | 311906.77312898764 | 6957.753560100007 | 6957.753560100007 | 11699 | 11699 | 330563.5266890876
BÉNÉFICE NET (PERTE NETTE) | 360451 | 64289.172600000005 | 55978.44550706694 | 194737 | 150206.51918000006 | 160371.35749400005 | 986033.4947810672 | 18811.704069900043 | 18811.704069900043 | 25966 | 25966 | 1030811.1988509683
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME
TRIM 3 2023 (Avril.-Juin.23)
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 453118 | 5806.128420000001 | 504083.22321924806 | 590712 | 1091661.15 | 1518534.50792 | 4163915.0095592476 | 168370.99749 | 168370.99749 | 5953 | 5953 | 4175821.0095592476
Intérêts sur Bons B.R.H. | 1248 | 0 | 1482.00143 | 2944 | 30677.15724000004 | 0 | 36351.15867000004 | 0 | 0 | 0 | 0 | 36351.15867000004
Autres | 1024013 | 54008.99649000001 | 72124.67682411602 | 78144 | 192453.18213000003 | 656215.2958 | 2076959.151244116 | 34317.653179999994 | 34317.653179999994 | 18409 | 18409 | 2113777.151244116
1478379 | 59815.12491000001 | 577689.9014733641 | 671800 | 1314791.48937 | 2174749.80372 | 6277225.319473363 | 202688.65067 | 24362 | 24362 | 24362 | 6325949.319473363
Dépenses d'intérêt | 156280 | 10554.98739 | 119907.44224 | 116715 | 208602.46534999998 | 318547.53261 | 930607.42759 | 49063.80132999998 | 49063.80132999998 | 845 | 845 | 932297.42759
1322099 | 49260.13752000001 | 457782.4592333641 | 555085 | 1106189.0240200001 | 1856202.27111 | 5346617.891883364 | 153624.84934000002 | 23517 | 23517 | 23517 | 5393651.891883364
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
AUTRES REVENUS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Commissions | 210227 | 3077.626049999999 | 178421.59299 | 313182 | 575297.5523099999 | 627095.6268699998 | 1907301.3982199999 | 5436.304770000001 | 5436.304770000001 | 19086 | 19086 | 1945473.3982199999
Gains sur change | -44717 | -10981.418810000001 | 99143.07570999998 | 212663 | 317399.59712000017 | 741552.4299100001 | 1315059.6839300003 | 2662.4416300000003 | 2662.4416300000003 | 29092 | 29092 | 1373243.6839300003
Autres | 28939 | 411.4683500000001 | 85846.50243474921 | 93772 | -67036.57886999997 | -31498.793599999946 | 110433.59831474928 | 13228.216019999996 | 13228.216019999996 | 42373 | 42373 | 195179.59831474928
194449 | -7492.324410000002 | 363411.1711347492 | 619617 | 825660.5705600001 | 1337149.2631799998 | 3332794.680464749 | 21326.962419999996 | 90551 | 90551 | 90551 | 3513896.680464749
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
PRODUIT NET BANCAIRE | 1516548 | 41767.81311000001 | 821193.6303681133 | 1174702 | 1931849.5945800003 | 3193351.53429 | 8679412.572348114 | 174951.81176 | 174951.81176 | 114068 | 114068 | 8907548.572348114
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Dotation à la provision pour créances douteuses | 40000 | 9000 | 207864.7237352416 | 27600 | 337247.50404000015 | 123063.29200000002 | 744775.5197752417 | 12500 | 12500 | 0 | 0 | 744775.5197752417
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
ET IMPÔTS SUR LE REVENU | 1476548 | 32767.81311000001 | 613328.9066328717 | 1147102 | 1594602.0905400002 | 3070288.24229 | 7934637.0525728725 | 162451.81176 | 162451.81176 | 114068 | 114068 | 8162773.0525728725
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Salaires et avantages sociaux | 732616 | 29676.439499999993 | 206949.10752999998 | 263804 | 617651.41287 | 1103963.87171 | 2954660.83161 | 39804.216720000004 | 39804.216720000004 | 19888 | 19888 | 2994436.83161
Frais de locaux | 29281 | 4960.00995 | 123242.40250999999 | 90976 | 63829.48158 | 101145.4129 | 413434.30694 | 18818.50576 | 18818.50576 | -2470 | -2470 | 408494.30694
Amortissement | 47700 | 1827.9962199999995 | 11620.838410000004 | 28778 | 95325.46028999999 | 154186.09261 | 339438.38752999995 | 4265.45095 | 4265.45095 | 4841 | 4841 | 349120.38752999995
Autres dépenses d'exploitation | 301198 | 19756.7508 | 233568.1629175638 | 414320 | 722091.9715000002 | 936675.5180500001 | 2627610.4032675643 | 29717.17999 | 29717.17999 | 29792.1 | 29792.1 | 2687194.6032675644
1110795 | 56221.196469999995 | 575380.5113675639 | 797878 | 1498898.3262400003 | 2295970.89527 | 6335143.9293475645 | 92605.35342 | 52051.1 | 52051.1 | 52051.1 | 6439246.129347565
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 365753 | -23453.383359999985 | 37948.39526530786 | 349224 | 95703.76429999992 | 774317.3470199998 | 1599493.123225308 | 69846.45834000001 | 69846.45834000001 | 62016.9 | 62016.9 | 1723526.9232253078
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Impôts sur le revenu | 0 | 0 | -4075.9427857843984 | 76366 | 74320 | 239201.35334999996 | 385811.41056421556 | 18858.54375179997 | 18858.54375179997 | 19262 | 19262 | 424335.41056421556
0 | 0 | 0 | 0 | 0 | 0
BÉNÉFICE NET (PERTE NETTE) | 365753 | -23453.383359999985 | 42024.33805109226 | 272858 | 21383.764299999923 | 535115.9936699998 | 1213681.7126610924 | 50987.914588200045 | 50987.914588200045 | 42754.9 | 42754.9 | 1299191.5126610922
Commissions / salaires | 0.29830861777933865 | 0.18516659903387106 | 0.7718181554603077 | 0.9851798053436291 | 0.7774918924533608 | 0.5288970784294115 | 0.5857575013264055 | 0.14887423226294594 | 1.005990988760707 | 1.005990988760707 | 1.005990988760707 | 0.5827611762116525
marge nette en % revenus d'intérêts | 0.9002400512561511 | 0.6085503603294993 | 0.7109422383041422 | 0.7754228842499701 | 0.8093266884227364 | 0.8775537016611055 | 0.8452700288113956 | 0.725518995481194 | 1 | 1 | 1 | 0.842606579513076
frais d'exploitation en % produit net bancaire | 0.6443542991627432 | 0.5545827218989856 | 0.9454950079086686 | 0.7054030828565465 | 0.7572080718242719 | 0.7696771053511438 | 0.742680809208219 | 0.6732451219249319 | 0.5760403417341092 | 0.5760403417341092 | 0.5760403417341092 | 0.7398256162222754
REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net
UNIBK | 2320716.612384 | CBNA | 1 | UNIBK | 1002091.5624200001 | BPH | 0.5545827218989856 | UNIBK | 2338775.5001999997 | BNC | 360451
BNC | 1651314 | BNC | 0.9002400512561511 | SOGEBK | 826192.3062400002 | CBNA | 0.5760403417341092 | SOGEBK | 1434927.8887 | CAPITALBK | 194737
SOGEBK | 1320643.7686899998 | UNIBK | 0.8775537016611055 | CAPITALBK | 553699 | BNC | 0.6443542991627432 | BNC | 1142243 | UNIBK | 160371.35749400005
CAPITALBK | 602056 | SOGEBK | 0.8093266884227364 | BUH | 300148.9023407698 | SOGEBL | 0.6732451219249319 | CAPITALBK | 719897 | SOGEBK | 150206.51918000006
BUH | 426232.364276159 | CAPITALBK | 0.7754228842499701 | BNC | 286115 | CAPITALBK | 0.7054030828565465 | BUH | 570299.4179374641 | BPH | 64289.172600000005
SOGEBL | 172810.08554 | SOGEBL | 0.725518995481194 | CBNA | 68602 | SOGEBK | 0.7572080718242719 | SOGEBL | 96363.70048999999 | BUH | 55978.44550706694
BPH | 79921.24585 | BUH | 0.7109422383041422 | BPH | 55287.0605 | UNIBK | 0.7696771053511438 | BPH | 57633.990860000005 | CBNA | 25966
CBNA | 20239 | BPH | 0.6085503603294993 | SOGEBL | 17756.15845000001 | BUH | 0.9454950079086686 | CBNA | 51176 | SOGEBL | 18811.704069900043
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 - juin 2024)
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 1529796 | 39452.52766 | 1083043.13119 | 1543082 | 2721312.26339 | 4536872.966224 | 11453558.888464 | 375412.74427 | 375412.74427 | 16669 | 16669 | 11845640.632734
Intérêts sur Bons B.R.H. | 119005 | 0 | 2164.5 | 18765 | 610644.9296500001 | 22342 | 772921.4296500001 | 0 | 0 | 0 | 0 | 772921.4296500001
Autres | 3222389 | 154697.94536 | 196432.086696543 | 299485 | 724328.33472 | 2455585.36714 | 7052917.733916543 | 125361.64891000002 | 125361.64891000002 | 44286 | 44286 | 7222565.382826543
4871190 | 194150.47302 | 1281639.7178865431 | 1861332 | 4056285.5277600004 | 7014800.333364001 | 19279398.05203054 | 500774.39318 | 500774.39318 | 60955 | 60955 | 19841127.445210543
Dépenses d'intérêt | 495421 | 79801.06779 | 364514.6678 | 401759 | 737054.10881 | 838322.04877 | 2916871.89317 | 142783.440512976 | 142783.440512976 | 945 | 945 | 3060600.333682976
4375769 | 114349.40523 | 917125.0500865432 | 1459573 | 3319231.4189500003 | 6176478.284594 | 16362526.158860542 | 357990.952667024 | 357990.952667024 | 60010 | 60010 | 16780527.111527566
AUTRES REVENUS
Commissions | 643621 | 22580.11805 | 492118.675272222 | 873038 | 1394615.57005 | 1799249.74513 | 5225223.108502222 | 16792.889840000003 | 16792.889840000003 | 54046 | 54046 | 5296061.9983422225
Gains sur change | 181031 | 2776.4513999999995 | 211060.73705999996 | 459486 | 908538.9685500002 | 1324333.3765699998 | 3087226.53358 | 12118.90795 | 12118.90795 | 51505 | 51505 | 3150850.44153
Autres | 47858 | 51231.51469 | 176590.58009156276 | 360496 | 342053.3088 | 838135.65865 | 1816365.0622315628 | 26570.8683 | 26570.8683 | 110694 | 110694 | 1953629.9305315628
872510 | 76588.08414 | 879769.9924237847 | 1693020 | 2645207.8474000003 | 3961718.78035 | 10128814.704313785 | 55482.66609 | 55482.66609 | 216245 | 216245 | 10400542.370403785
PRODUIT NET BANCAIRE | 5248279 | 190937.48937000002 | 1796895.0425103279 | 3152593 | 5964439.266350001 | 10138197.064944 | 26491340.863174327 | 413473.618757024 | 413473.618757024 | 276255 | 276255 | 27181069.48193135
Dotation à la provision pour créances douteuses | 770000 | 0 | 35559.648125110536 | 158819 | 874182.6108399999 | 821697.9608200002 | 2660259.2197851106 | 31078.5922 | 31078.5922 | 0 | 0 | 2691337.8119851104
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 4478279 | 190937.48937000002 | 1761335.3943852175 | 2993774 | 5090256.655510001 | 9316499.104124 | 23831081.643389218 | 382395.026557024 | 382395.026557024 | 276255 | 276255 | 24489731.669946242
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 2144730 | 99828.12361000001 | 680728.15169 | 857501 | 1808440.41695 | 3065462.12443 | 8656689.81668 | 119517.90714000001 | 119517.90714000001 | 61242 | 61242 | 8837449.723819999
Frais de locaux | 149812 | 14770.56765 | 329903.41516999993 | 126321 | 171834.11932999996 | 281078.73614 | 1073719.8382899999 | 63939.015439999996 | 63939.015439999996 | 542 | 542 | 1138200.8537299999
Amortissement | 168056 | 5864.17933 | 74461.71160000001 | 102331 | 286319.27396 | 570088.37995 | 1207120.54484 | 12552.391930000002 | 12552.391930000002 | 9712 | 9712 | 1229384.93677
Autres dépenses d'exploitation | 827548 | 77878.45684 | 624737.858734438 | 1072962 | 1989663.51234 | 3007492.5771199996 | 7600282.405034437 | 92033.90916000002 | 92033.90916000002 | 92746 | 92746 | 7785062.314194437
3290146 | 198341.32743 | 1709831.137194438 | 2159115 | 4256257.32258 | 6924121.817639999 | 18537812.604844436 | 288043.22367000004 | 288043.22367000004 | 164242 | 164242 | 18990097.828514434
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1188133 | -7403.83805999998 | 51504.25719077955 | 834659 | 833999.3329300005 | 2392377.286484001 | 5293269.0385447815 | 94351.80288702395 | 94351.80288702395 | 112013 | 112013 | 5499633.841431808
Impôts sur le revenu | 0 | 0 | -10562.795394151008 | 192844 | 254960 | 579085.9696800001 | 1016327.1742858491 | 25474.9867803 | 25474.9867803 | 34792 | 34792 | 1076594.1610661491
BÉNÉFICE NET (PERTE NETTE) | 1188133 | -7403.83805999998 | 62067.052584930556 | 641815 | 579039.3329300005 | 1813291.316804001 | 4276941.864258932 | 68876.81610672394 | 68876.81610672394 | 77221 | 77221 | 4423039.680365658
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME
CUMUL 2023 (Octobre 22 - Juin 2023)
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 1352000 | 23695.34219 | 1269115.520309248 | 1738096 | 3621678.76952 | 4213661.32391 | 12218246.955929248 | 441396.64384000003 | 441396.64384000003 | 17853 | 17853 | 12677496.599769248
Intérêts sur Bons B.R.H. | 4591 | 0 | 1482.00143 | 25934 | 383919.11877 | 0 | 415926.1202 | 0 | 0 | 0 | 0 | 415926.1202
Autres | 2925336 | 156375.8847 | 203177.940848605 | 184006 | 548747.38121 | 1785192.07566 | 5802835.282418605 | 106561.87040000001 | 106561.87040000001 | 38158 | 38158 | 5947555.152818605
4281927 | 180071.22689 | 1473775.462587853 | 1948036 | 4554345.2695 | 5998853.399569999 | 18437008.35854785 | 547958.51424 | 547958.51424 | 56011 | 56011 | 19040977.872787856
Dépenses d'intérêt | 461822 | 31812.26025 | 368597.96414999996 | 339115 | 692020.81922 | 844923.33359 | 2738291.37721 | 135761.72698999997 | 135761.72698999997 | 3033 | 3033 | 2877086.1042
3820105 | 148258.96664 | 1105177.498437853 | 1608921 | 3862324.4502800005 | 5153930.0659799995 | 15698716.98133785 | 412196.78725000005 | 412196.78725000005 | 52978 | 52978 | 16163891.768587856
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
AUTRES REVENUS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Commissions | 684238 | 8719.02264 | 421062.02580000006 | 877932 | 1635539.13797 | 1727745.0082100006 | 5355235.19462 | 14953.966870000002 | 14953.966870000002 | 54803 | 54803 | 5424992.16149
Gains sur change | -101880 | -13279.4865 | 284010.69390419184 | 701499 | 1038719.3130200002 | 2268329.8890299997 | 4177399.409454192 | 17346.49211 | 17346.49211 | 77453 | 77453 | 4272198.901564192
Autres | 72307 | 3750.93379 | 452957.9809176052 | 620376 | 220355.53338999994 | 2349026.73361 | 3718774.1817076053 | 32147.855589999996 | 32147.855589999996 | 88990 | 88990 | 3839912.037297605
654665 | -809.5300700000016 | 1158030.7006217972 | 2199807 | 2894613.9843800003 | 6345101.63085 | 13251408.785781797 | 64448.31457 | 64448.31457 | 221246 | 221246 | 13537103.100351797
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
PRODUIT NET BANCAIRE | 4474770 | 147449.43657 | 2263208.1990596503 | 3808728 | 6756938.434660001 | 11499031.69683 | 28950125.767119646 | 476645.10182000004 | 476645.10182000004 | 274224 | 274224 | 29700994.868939653
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Dotation à la provision pour créances douteuses | 40000 | 27000 | 364051.61372936657 | 201335 | 1316559.3379700002 | 337179.145 | 2286125.096699367 | 21099.13587 | 21099.13587 | 0 | 0 | 2307224.2325693667
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
ET IMPÔTS SUR LE REVENU | 4434770 | 120449.43656999999 | 1899156.5853302837 | 3607393 | 5440379.096690001 | 11161852.551830001 | 26664000.670420278 | 455545.96595000004 | 455545.96595000004 | 274224 | 274224 | 27393770.636370286
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Salaires et avantages sociaux | 2135110 | 85171.77943 | 626602.0533799999 | 765485 | 1785854.65424 | 2594438.9217700004 | 7992662.408820001 | 116210.91218000001 | 116210.91218000001 | 71501 | 71501 | 8180374.321000001
Frais de locaux | 94986 | 14730.58821 | 319327.0509 | 250330 | 190160.29846999998 | 260073.74439 | 1129607.6819699998 | 54652.48708 | 54652.48708 | 6809 | 6809 | 1191069.16905
Amortissement | 125344 | 5264.45562 | 69603.91594332832 | 83155 | 269876.24739000003 | 413463.30111 | 966706.9200633283 | 11835.370340000001 | 11835.370340000001 | 16591 | 16591 | 995133.2904033284
Autres dépenses d'exploitation | 915709 | 57022.04941 | 704062.8466983419 | 1110775 | 1941061.94569 | 2516816.75193 | 7245447.593728341 | 88539.31737999993 | 88539.31737999993 | 108078.05662000002 | 108078.05662000002 | 7442064.967728341
3271149 | 162188.87266999998 | 1719595.86692167 | 2209745 | 4186953.14579 | 5784792.7192 | 17334424.60458167 | 271238.0869799999 | 271238.0869799999 | 202979.05662000002 | 202979.05662000002 | 17808641.74818167
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1163621 | -41739.43609999999 | 179560.7184086137 | 1397648 | 1253425.950900001 | 5377059.832630001 | 9329576.065838609 | 184307.87897000014 | 184307.87897000014 | 71244.94337999998 | 71244.94337999998 | 9585128.888188615
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Impôts sur le revenu | 0 | 0 | 38407.7541572072 | 326505 | 399320 | 873665.7599099999 | 1637898.514067207 | 49763.1273219 | 49763.1273219 | 22128 | 22128 | 1709789.641389107
BÉNÉFICE NET (PERTE NETTE) | 1163621 | -41739.43609999999 | 141152.9642514065 | 1071143 | 854105.950900001 | 4503394.072720001 | 7691677.551771402 | 134544.75164810015 | 134544.75164810015 | 49116.94337999998 | 49116.94337999998 | 7875339.246799508
[pageint.sect4]
SECTION 4
STATISTIQUES PAR BANQUE
[bncinfin ]
BANQUE NATIONALE DE CRÉDIT (BNC)
Var.juin. 24 | 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 | 0.019070708009887718 | 120683202.99841 | -0.007090083613469168 | 119827548.99841 | 0 | 0 | 0.01411875480697946 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015 | 0.21434102271599692 | 85250364.6533
Bons B.R.H. | 0 | 0 | 2500000 | 0 | 6700000 | 0 | 0 | 0 | 0 | 0 | 800000 | -0.2 | 1000000 | 0 | 0
Prêts nets | 19026181 | -0.03147809852119035 | 18427273 | -0.011398322475604503 | 18217233 | 0 | 0 | -0.08495522280103493 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185 | 0.07321871539985783 | 22573390.35592
Dépôts | 91442473 | 0.015934520930990133 | 92899565 | -0.004342431528070126 | 92496155 | 0 | 0 | 0.0031216708871286015 | 92208311 | 0.001240622942694337 | 92094057 | 0.17949430932194144 | 78079272 | 0.2710003946437675 | 61431351.5
Avoir des Actionnaires | 11898591 | 0.032828676941664775 | 12289206 | 0.029330698826270794 | 12649657 | 0 | 0 | 0.10366274153419737 | 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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 1451074 | 0.2237708097896672 | 1185740 | 1438116 | 0.09590281238712273 | 1312266 | 1486579 | 0.12440823266638883 | 1322099 | 0 | 0 | 1723807 | 4375769 | 0.14545778191960693 | 3820105
Autres revenus | 347536 | 0.317427283651568 | 263799 | 238859 | 0.21608109277710177 | 196417 | 286115 | 0.4714140982982684 | 194449 | 0 | 0 | 335086 | 872510 | 0.3327579754530943 | 654665
Dot. à la prov. pr créances douteuses | 300000 | 0 | 200000 | 0 | 270000 | 5.75 | 40000 | 0 | 0 | 600000 | 770000 | 18.25 | 40000
Dépenses d'exploitation | 1061544 | 0.014443393251340272 | 1046430 | 1086359 | -0.024745853397538792 | 1113924 | 1142243 | 0.02831125455192002 | 1110795 | 0 | 0 | 1052645 | 3290146 | 0.005807439526600592 | 3271149
Bénéfice (perte) net | 437066 | 0.08423776199489467 | 403109 | 390616 | -0.010495010880055933 | 394759 | 360451 | -0.014496121699616955 | 365753 | 0 | 0 | 406248 | 1188133 | 0.021065278127500277 | 1163621
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 - juin. 24) | (oct. 22- juin 23) | 2023 | 2022 | 2021 | 2020
RATIOS FINANCIERS CLÉS
(Données trimestrielles
et cumulatives annualisées)
Structure financière
Avoir des actionnaires
en % de l'actif | 0.1004738460152556 | 0.08022561553217938 | 0.10183029365040891 | 0.08379025100001866 | 0.10556551565757094 | 0.09001178039612535 | 0 | 0.09700061917501576 | 0.10556551565757094 | 0.09001178039612535 | 0.09700061917501576 | 0.08183439811010634 | 0.08406153935914637 | 0.0958980531432077
Dépôts en % de l'actif | 0.7721567159889912 | 0.7796794975836135 | 0.7697804059876 | 0.7861192019620509 | 0.7719105979646411 | 0.7897401360427808 | 0 | 0.7803729469207077 | 0.7719105979646411 | 0.7897401360427808 | 0.7803729469207077 | 0.765697951894928 | 0.7542213873890747 | 0.7205992813031565
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.3109874642403791 | 0.2981704543489519 | 0.4155162446824524 | 0.32293642100114306 | 0.4039337404805326 | 0.2897182770420167 | 0 | 0.31028335835250215 | 0.4039337404805326 | 0.2897182770420167 | 0.31028335835250215 | 0.2061279151235176 | 0.16976937609801523 | 0.13055755492733703
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.5356636288369491 | 0.490875822346351 | 0.42986788713604707 | 0.48628585042232236 | 0.4352625722351555 | 0.5505672330783483 | 0 | 0.48539821250531273 | 0.4352625722351555 | 0.5505672330783483 | 0.48539821250531273 | 0.6844699825768059 | 0.6749281125897745 | 0.6360964566757642
Prêts improductifs nets
en % de l'avoir des actionnaires | 0.27705767851000174 | 0.37957602365008664 | 0.4324691115113539 | 0.3807112944083364 | 0.39859958258156725 | 0.28167874419339656 | 0 | 0.3265283046128944 | 0.39859958258156725 | 0.28167874419339656 | 0.3265283046128944 | 0.16951337268064426 | 0.17351669167153894 | 0.14306456095303147
Rentabilité
ROA (rendement de l'actif) | 0.014779221419122721 | 0.01300425564097543 | 0.013069108924284001 | 0.012474169025777365 | 0.011989518040499606 | 0.011879551655816048 | 0 | 0.013597735247297875 | 0.013313150928759954 | 0.01286882208540125 | 0.013168167139600218 | 0.013424277485871085 | 0.012804772919886341 | 0.017398664580816927
ROE ( rendement avoir des action.) | 0.14967940012281616 | 0.16053470283249713 | 0.12919440327699128 | 0.1521387288583535 | 0.11562708372069729 | 0.13679370892482337 | 0 | 0.14548188560313574 | 0.13140603385071295 | 0.1497544069154117 | 0.1473769778326529 | 0.16200253044124027 | 0.14321902315891402 | 0.18678417782147982
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.8960017882073407 | 0.8888619023416827 | 0.898610764838535 | 0.8929713177503318 | 0.9002400512561511 | 0.8942896239732843 | 0 | 0.9157164955792078 | 0.8982956936600708 | 0.8921462229505548 | 0.8993440556615856 | 0.8894728611533587 | 0.8742902521344234 | 0.8426242348035025
Rendement moyen des prêts | 0.09199836448043659 | 0.06208396589923204 | 0.08774605301122623 | 0.0805737371297326 | 0.09003795626455967 | 0.0760648870999177 | 0 | 0.14242968501607192 | 0.08957552119100388 | 0.073301600029711 | 0.08914980071130708 | 0.07913494619422924 | 0.0788273284435848 | 0.09596795073503067
Rendement moyen des prêts productifs | 0.13345296095770823 | 0.08301307777634459 | 0.13770482345355875 | 0.1168042380882673 | 0.15254673143927325 | 0.10968792652241781 | 0 | 0.20346527801453637 | 0.13903534705515733 | 0.09723256224657201 | 0.11980193358112166 | 0.09738041457047548 | 0.09286895347513731 | 0.11747621163588289
Rémunération moyenne des dépôts | 0.007336750601620083 | 0.006188120374505706 | 0.007041736188248065 | 0.006348543457685431 | 0.007108470465229726 | 0.00644238641752595 | 0 | 0.006764184249573036 | 0.007152629794380103 | 0.006566941013580887 | 0.006733315548067185 | 0.006003690507811597 | 0.007464132650801321 | 0.012282762603193555
Dépenses d'exploitation
en % du produit net bancaire | 0.5902024341018898 | 0.721905378192653 | 0.647808703170888 | 0.7383419843664971 | 0.6443542991627432 | 0.7324496158380743 | 0 | 0.51126746266076 | 0.6268999799743878 | 0.7310205887676908 | 0.6617718116162404 | 0.6507434355959172 | 0.6400812257592949 | 0.5068533381221949
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 8822.121397915389 | 6785.437097717963 | 8033.413173652694 | 7112.235710076606 | 8754.044444444444 | 7317.481302774427 | 0 | 10326.73605015674 | 8852.252161079485 | 7035.801886792452 | 10669.382322923046 | 6754.8363997558 | 5654.609610621538 | 6294.964816176287
[bncvar]
BANQUE NATIONALE DE CRÉDIT (BNC)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.juin. 24 | 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 | 0.18295239465714627 | 7957593 | -0.0971638031751561 | 7184403 | 0 | 0 | 0.38096319086093533 | 5202458 | -0.11195439377446413 | 5858323 | 0.18497830525081502 | 4943823 | 0.16348325091306345 | 4249157
Avoirs à la BRH | 37779678 | 0.010461814947178745 | 38174922 | -0.02875536982105687 | 37077188 | 0 | 0 | -0.037903333764683564 | 38537903 | 0.0014565306925318799 | 38481853 | 0.20349147715429378 | 31975177 | 0.3722471870644091 | 23301324.5
Avoirs à l'étranger | 2515351 | 0 | 1230841 | 0 | 1202554 | 0 | 0 | -0.5775496238340542 | 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 | 0.3998135248766364 | 1211582 | -0.709793476628078 | 351609 | 0 | 0 | -0.48970288580435045 | 689028 | 0.2645778427068574 | 544868 | 0.6701600370282954 | 326237 | 0.010631492501202811 | 322805.1
47887452 | 0.01435628690371749 | 48574938 | -0.056802625255023484 | 45815754 | 0 | 0 | -0.030887783348021898 | 47276005 | -0.05155582764775458 | 49845849 | 0.15996921229553404 | 42971700 | 0.4598240549823882 | 29436218.6
Bons B.R.H. | 0 | 0 | 2500000 | 1.68 | 6700000 | 0 | 0 | 0 | 0 | 800000 | 0 | 1000000 | 0 | 0
Bons du Trésor / M.E.F. | 27600000 | 0 | 27616000 | -0.09762456546929317 | 24920000 | 0 | 0 | -0.08717948717948718 | 27300000 | 0.05813953488372093 | 25800000 | 0.425414364640884 | 18100000 | -0.05974025974025974 | 19250000
Autres Placements | 17951503 | -0.025488840683702083 | 17493940 | 0.0017239112515533951 | 17524098 | 0 | 0 | -0.015548339429663894 | 17800872 | 0.18835284339545177 | 14979450 | 0.24755154854898515 | 12007079 | 0.2674044107388846 | 9473755.099999998
Portefeuille net | 19026181 | -0.03147809852119035 | 18427273 | -0.011398322475604503 | 18217233 | 0 | 0 | -0.08495522280103493 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185 | 0.07321871539985783 | 22573390.35592
Immobilisations | 2970057.9984100005 | -0.008735182953965524 | 2944113.9984100005 | -0.012689386355343618 | 2906754.9984100005 | 0 | 0 | -0.008832263283891762 | 2932656.99713 | -0.012998776612205007 | 2971280.00213 | 0.07784804831394886 | 2756678 | 0.17694359185181194 | 2342234.59738
Autres actifs | 2989565 | 0.04595083231172428 | 3126938 | 0.1972443969148093 | 3743709 | 0 | 0 | 0.27285823425471994 | 2941183 | -0.2349636532803607 | 3844501 | 0.5619335224689634 | 2461373 | 0.1317875118518498 | 2174766
118424758.99841 | 0.019070708009887718 | 120683202.99841 | -0.007090083613469168 | 119827548.99841 | 0 | 0 | 0.01411875480697946 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015 | 0.21434102271599692 | 85250364.6533
PASSIF
Dépôts
À vue | 42712591 | 0.00028874389755470466 | 42724924 | -0.008805375522727671 | 42348715 | 0 | 0 | -0.012720992268123553 | 42894374 | -0.05901912889895229 | 45584746 | 0.17756926391991626 | 38710883 | 0.26396948283701815 | 30626438
Épargne | 36853543 | 0.031210160716433694 | 38003748 | -0.0015865803551797049 | 37943452 | 0 | 0 | 0.023807621546194712 | 37061115 | 0.08604302341647545 | 34124905 | 0.1983036327610699 | 28477678 | 0.3670893355792935 | 20830883
À terme | 11876339 | 0.024801750775217853 | 12170893 | 0.0027191924208026476 | 12203988 | 0 | 0 | -0.003985530843425294 | 12252822 | -0.010624974665720746 | 12384406 | 0.1371531206732049 | 10890711 | 0.09190672717513747 | 9974030.5
91442473 | 0.015934520930990133 | 92899565 | -0.004342431528070126 | 92496155 | 0 | 0 | 0.0031216708871286015 | 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 | 0.09712267249145541 | 5807835 | -0.09518348920036468 | 5255025 | 0 | 0 | 0.1006811623556685 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874 | -0.006949027916427517 | 2970516.2
5293697 | 0.09712267249145541 | 5807835 | -0.09518348920036468 | 5255025 | 0 | 0 | 0.1006811623556685 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874 | -0.006949027916427517 | 2970516.2
Obligations à terme
Banques locales | 0 | 0 | 2120042 | 0 | 2079133 | 0 | 0 | -0.1157024441884016 | 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 | -0.237710858576452 | 6548515 | -0.015598498285489154 | 6446368 | 0 | 0 | -0.01026845434590325 | 6513249 | 0.0033361616071989736 | 6491592 | 0.23621209339738986 | 5251196 | 0.2501588530488477 | 4200423
8590592 | 0.009075625987126383 | 8668557 | -0.01650286201036689 | 8525501 | 0 | 0 | -0.03823341814431585 | 8864418 | -0.29667682776853 | 12603620 | -0.006940672843980271 | 12691709 | 0.08878913526181767 | 11656719
Autres passifs | 1199406 | -0.1512131838593437 | 1018040 | -0.1147587521119013 | 901211 | 0 | 0 | 0.05938203468928347 | 850695 | -0.3552722923853929 | 1319464 | 0.1996697749523574 | 1099856 | 0.08207320888518094 | 1016434
106526168 | 0.017533992211190775 | 108393997 | -0.011219302116887524 | 107177892 | 0 | 0 | 0.0044998975283108795 | 106697763 | -0.03381525531930943 | 110432051 | 0.16464061316730688 | 94820711 | 0.23023918954328607 | 77075020.7
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000
Réserves | 2967392 | 0 | 2967392 | 0 | 2967392 | 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 | 0.0658576790291474 | 6321814 | 0.057017020747525946 | 6682265 | 0 | 0 | 0.21625490614350001 | 5494132 | 0.1704272894309376 | 4694125 | 0.305393266363492 | 3595947 | -0.05339798541379569 | 3798795
11898591 | 0.032828676941664775 | 12289206 | 0.029330698826270794 | 12649657 | 0 | 0 | 0.10366274153419737 | 11461524 | 0.16448086299113526 | 9842604 | 0.1310342640293881 | 8702304 | 0.06445722650936768 | 8175344
118424759 | 0.01907070800963167 | 120683203 | -0.007090083613375757 | 119827549 | 0 | 0 | 0.014118754795803736 | 118159287 | -0.017587811829516367 | 120274655 | 0.1618156117265325 | 103523015 | 0.21434102205078304 | 85250364.7
Hors-bilan
Effets à l'encaissement | 1639837 | 1648818 | 1643294 | 0 | 1670693 | 1464704 | 1211933 | 820292.2
Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 4124250 | 4163328 | 3795045 | 0 | 3933127 | 4662878 | 4577443 | 3804475.364544665
Portefeuille brut | 22829171 | -0.01729024676366917 | 22434449 | -0.014756725248745802 | 22103390 | 0 | 0 | -0.05697010861739529 | 23438695 | -0.0863140585932172 | 25652901 | -0.06243855144168766 | 27361301 | 0.11144233190052834 | 24617832.35592
Provisions pour créances douteuses | 3802990 | 0.05369091162480048 | 4007176 | -0.030200570177102277 | 3886157 | 0 | 0 | 0.10085535214758684 | 3530125 | -0.024645748959889215 | 3619326 | 0.1544472357641631 | 3135116 | 0.5334824856855808 | 2044442
Portefeuille de crédit improductif | 7099586 | 0.3130171252239215 | 9321878 | -0.04222035516877608 | 8928305 | 0 | 0 | 0.22765717579469455 | 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 | 7957593 | 0.0659378670957618 | 7184403 | 0.05995618753827077 | 0 | 0 | 5202458 | 0.04402919256043212 | 5858323 | 0.048707876151432336 | 4943823 | 0.047755786478977644 | 4249157 | 0.04984327066846766
Avoirs à la BRH | 37779678 | 0.31901840729527886 | 38174922 | 0.316323407496095 | 37077188 | 0.30942123334669874 | 0 | 0 | 38537903 | 0.32615212887105566 | 38481853 | 0.3199498098690743 | 31975177 | 0.3088702256208438 | 23301324.5 | 0.2733281504983922
Avoirs à l'étranger | 2515351 | 0.021240077001412953 | 1230841 | 0.010198942101463916 | 1202554 | 0.010035705562299007 | 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 | 1211582 | 0.010039358998583776 | 351609 | 0.002934291846398907 | 0 | 0 | 689028 | 0.0058313486608694235 | 544868 | 0.004530197987184837 | 326237 | 0.003151347553005484 | 322805.1 | 0.0037865538911510607
47887452 | 0.40437027193479824 | 48574938 | 0.4024995756919045 | 45815754 | 0.3823474182936674 | 0 | 0 | 47276005 | 0.4001040138397949 | 49845849 | 0.4144335229988168 | 42971700 | 0.41509320415368506 | 29436218.6 | 0.3452914098339935
Bons B.R.H. | 0 | 0 | 2500000 | 0.02071539317723393 | 6700000 | 0.05591368642689089 | 0 | 0 | 0 | 0 | 800000 | 0.006651442899468989 | 1000000 | 0.0096596877515594 | 0 | 0
Bons du Trésor / M.E.F. | 27600000 | 0.23305937232576984 | 27616000 | 0.2288305191929969 | 24920000 | 0.2079655322027046 | 0 | 0 | 27300000 | 0 | 25800000 | 0 | 18100000 | 0 | 19250000 | 0
Autres Placements | 17951503 | 0.15158572541609328 | 17493940 | 0.1449575381275759 | 17524098 | 0.14624431649046354 | 0 | 0 | 17800872 | 0.15065148455434035 | 14979450 | 0.12454369542556344 | 12007079 | 0.11598463394830609 | 9473755.099999998 | 0.11112861673411356
Portefeuille net | 19026181 | 0.1606605000585684 | 18427273 | 0.1526912821516908 | 18217233 | 0.15202875425785206 | 0 | 0 | 19908570 | 0.1684892529901908 | 22033575 | 0.18319383247958432 | 24226185 | 0.23401738251151205 | 22573390.35592 | 0.2647893700833125
Immobilisations | 2970057.9984100005 | 0.0250797048145133 | 2944113.9984100005 | 0.024395391614264572 | 2906754.9984100005 | 0.02425781902998425 | 0 | 0 | 2932656.99713 | 0.024819521779961586 | 2971280.00213 | 0.02470412409062724 | 2756678 | 0.02662864871159326 | 2342234.59738 | 0.027474775115690176
Autres actifs | 2989565 | 0.025244425450256888 | 3126938 | 0.025910300044333406 | 3743709 | 0.031242473298437202 | 0 | 0 | 2941183 | 0.02489167863776496 | 3844501 | 0.03196434859806429 | 2461373 | 0.023776094620119013 | 2174766 | 0.025510342493483
118424758.99841 | 1 | 120683202.99841 | 1 | 119827548.99841 | 1 | 0 | 0 | 118159286.99713 | 1 | 120274655.00213 | 1 | 103523015 | 1 | 85250364.6533 | 1
PASSIF
Dépôts
À vue | 42712591 | 0.3606728133647582 | 42724924 | 0.35402543965097527 | 42348715 | 0.35341384643160756 | 0 | 0 | 42894374 | 0.36302160490391133 | 45584746 | 0.37900541888224676 | 38710883 | 0.373935042367149 | 30626438 | 0.35925286800300466
Épargne | 36853543 | 0.311197956505825 | 38003748 | 0.3149050328114071 | 37943452 | 0.3166504891166845 | 0 | 0 | 37061115 | 0.3136538476311234 | 34124905 | 0.2837248213216298 | 28477678 | 0.2750854773694526 | 20830883 | 0.2443494885296499
À terme | 11876339 | 0.10028594611840802 | 12170893 | 0.10084993352521768 | 12203988 | 0.10184626241634914 | 0 | 0 | 12252822 | 0.10369749438567288 | 12384406 | 0.10296771169105144 | 10890711 | 0.10520086765247322 | 9974030.5 | 0.11699692477050196
91442473 | 0.7721567159889912 | 92899565 | 0.7697804059876 | 92496155 | 0.7719105979646411 | 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 | 5807835 | 0.04812463421340017 | 5255025 | 0.043854898509771985 | 0 | 0 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146
5293697 | 0.04470093116314532 | 5807835 | 0.04812463421340017 | 5255025 | 0.043854898509771985 | 0 | 0 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 | 2970516.2 | 0.03484461576300146
Obligations à terme
Banques locales | 0 | 0 | 2120042 | 0.01756700143289975 | 2079133 | 0.017351043373403124 | 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 | 6548515 | 0.05426202518080562 | 6446368 | 0.05379704461855877 | 0 | 0 | 6513249 | 0.05512261596634551 | 6491592 | 0.05397306689331212 | 5251196 | 0.050724913682237714 | 4200423 | 0.049271613289661204
8590592 | 0.07254050650097028 | 8668557 | 0.07182902661370537 | 8525501 | 0.07114808799196189 | 0 | 0 | 8864418 | 0.07502091647028396 | 12603620 | 0.10479032344575669 | 12691709 | 0.1225979459736562 | 11656719 | 0.1367351218661183
Autres passifs | 1199406 | 0.010128000345063852 | 1018040 | 0.008435639548060493 | 901211 | 0.007520899889323099 | 0 | 0 | 850695 | 0.007199561046950653 | 1319464 | 0.010970424317381188 | 1099856 | 0.010624265531679115 | 1016434 | 0.011922928472314215
106526168 | 0.8995261539981706 | 108393997 | 0.898169706362766 | 107177892 | 0.8944344843556982 | 0 | 0 | 106697763 | 0.9029993808492734 | 110432051 | 0.9181656018721842 | 94820711 | 0.9159384606408536 | 77075020.7 | 0.9041019474045905
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 0.025332540470192375 | 3000000 | 0.024858471812680718 | 3000000 | 0.02503597899711532 | 0 | 0 | 3000000 | 0.02538945584592828 | 3000000 | 0.024942910873008713 | 3000000 | 0.028979063254678198 | 3000000 | 0.03519046531003749
Réserves | 2967392 | 0.025057192643641698 | 2967392 | 0.02458827679639142 | 2967392 | 0.024763854596069345 | 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 | 6321814 | 0.05238354504133678 | 6682265 | 0.05576568206438627 | 0 | 0 | 5494132 | 0.04649767394190055 | 4694125 | 0.03902838050058734 | 3595947 | 0.034735725191156766 | 3798795 | 0.04456045455581462
11898591 | 0.1004738460152556 | 12289206 | 0.10183029365040891 | 12649657 | 0.10556551565757094 | 0 | 0 | 11461524 | 0.09700061917501576 | 9842604 | 0.08183439811010634 | 8702304 | 0.08406153935914637 | 8175344 | 0.0958980531432077
118424759 | 1.0000000000134261 | 120683203 | 1.000000000013175 | 119827549 | 1.0000000000132692 | 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)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 4301860 | 2882543 | 7184403 | 0.5987776576564539 | 1948472 | 3253986 | 5202458 | 0.37452911681362927
Avoirs à la BRH | 15910655 | 21166533 | 37077188 | 0.42912248361445315 | 19326474 | 19211429 | 38537903 | 0.5014926214329825
Avoirs à l'étranger | 1202554 | 0 | 1202554 | 0 | 2846616 | 0 | 2846616 | 1
Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres liquidités | 86398 | 265211 | 351609 | 0.24572181030633458 | 200064 | 488964 | 689028 | 0.29035685051986276
21501467 | 24314287 | 45815754 | 0.4693029170708399 | 24321626 | 22954379 | 47276005 | 0.5144602637215222
Bons B.R.H. | 6700000 | 6700000 | 0 | 0 | 0 | 0 | 0
Bons du Trésor / M.E.F. | 0 | 24920000 | 24920000 | 0 | 0 | 27300000 | 27300000 | 0
Autres Placements | 16837387 | 686711 | 17524098 | 0.9608133325892152 | 16514161 | 1286711 | 17800872 | 0.9277164062524578
Portefeuille net | 5272032 | 12945201 | 18217233 | 0.289398066105868 | 4934627 | 14973943 | 19908570 | 0.24786446238981505
Immobilisations | 0 | 2906754.9984100005 | 2906754.9984100005 | 0 | 0 | 2932656.99713 | 2932656.99713 | 0
Autres actifs | 542149 | 3201560 | 3743709 | 0.14481601000505115 | 457465 | 2483718 | 2941183 | 0.15553775470618456
44153035 | 75674513.99841 | 119827548.99841 | 0.36847148563963256 | 46227879 | 71931407.99713 | 118159286.99713 | 0.39123356424047173
PASSIF
Dépôts
À vue | 17033628 | 25315087 | 42348715 | 0.4022230190455602 | 18878274 | 24016100 | 42894374 | 0.44011072407770774
Épargne | 16346376 | 21597076 | 37943452 | 0.4308088784330957 | 16762282 | 20298833 | 37061115 | 0.45228757958307514
À terme | 6673845 | 5530143 | 12203988 | 0.5468577156909692 | 6632899 | 5619923 | 12252822 | 0.5413364366184378
40053849 | 52442306 | 92496155 | 0.4330325838949738 | 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 | 1378809 | 3876216 | 5255025 | 0.2623791513836756 | 1228744 | 3545595 | 4774339 | 0.25736421314029023
1378809 | 3876216 | 5255025 | 0.2623791513836756 | 1228744 | 3545595 | 4774339 | 0.25736421314029023
Obligations à terme
Banques locales | 2079133 | 2079133 | 0 | 0 | 2351169 | 2351169 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2707351 | 3739017 | 6446368 | 0.4199808326176849 | 2717774 | 3795475 | 6513249 | 0.41726855521721956
2707351 | 5818150 | 8525501 | 0.3175591674905674 | 2717774 | 6146644 | 8864418 | 0.3065936195698353
Autres passifs | 0 | 901211 | 901211 | 0 | 0 | 850695 | 850695 | 0
44140009 | 63037883 | 107177892 | 0.4118387493570036 | 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 | 6682265 | 6682265 | 0 | 0 | 5494132 | 5494132 | 0
0 | 12649657 | 12649657 | 0 | 0 | 11461524 | 11461524 | 0
44140009 | 75687540 | 119827549 | 0.3683627794139393 | 46219973 | 71939314 | 118159287 | 0.39116665455166466
*Converties au taux de 132.0563 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 | -0.06692339932076734 | 496463 | 0.009666379971921372 | 501262 | 0 | 0 | 397891 | 0.2591161901123675 | 500991 | -0.09555660680531188 | 453118 | 0.8455523726711365 | 836253
Intérêts sur bons B.R.H. | 0 | 0 | 11136 | 0 | 107869 | 0 | 0 | 3343 | -1 | 0 | #DIV/0! | 1248 | -0.625 | 468
Autres | 1087428 | 0.00491986595894165 | 1092778 | -0.04629943135751269 | 1042183 | 0 | 0 | 932764 | 0.03837519458298133 | 968559 | 0.05725412700723446 | 1024013 | 0.02122433992537204 | 1045747
1619499 | -0.011807355237638307 | 1600377 | 0.03182812549792955 | 1651314 | 0 | 0 | 1333998 | 0.10161334574714505 | 1469550 | 0.006007961620904358 | 1478379 | 0.2733324810484997 | 1882468
Dépenses d'intérêt | 168425 | -0.0365978922369007 | 162261 | 0.015247040262293465 | 164735 | 0 | 0 | 148258 | 0.06088035721512498 | 157284 | -0.006383357493451336 | 156280 | 0.015235474788840542 | 158661
1451074 | -0.008929937411875618 | 1438116 | 0.03369895057144208 | 1486579 | 0 | 0 | 1185740 | 0.10670636058495117 | 1312266 | 0.00749314544459736 | 1322099 | 0.30384108905611457 | 1723807
0
AUTRES REVENUS
Commissions | 264052 | -0.36030403102419223 | 168913 | 0.2471272193377656 | 210656 | 0 | 0 | 213914 | 0.21589517282646298 | 260097 | -0.1917361599710877 | 210227 | 0.26630737250686165 | 266212
Gains sur change | 65950 | -0.16776345716451857 | 54886 | 0.09672776299967205 | 60195 | 0 | 0 | 25825 | -4.213475314617619 | -82988 | 0.4611630597194775 | -44717 | 0.280005367086343 | -32196
Autres | 17534 | -0.14109729668073456 | 15060 | 0.013545816733067729 | 15264 | 0 | 0 | 24060 | -0.1975062344139651 | 19308 | 0.49880878392376216 | 28939 | 2.492518746328484 | 101070
347536 | -0.31270717278210025 | 238859 | 0.1978405670290841 | 286115 | 0 | 0 | 263799 | -0.25542932308310495 | 196417 | -0.010019499330506016 | 194449 | 0.7232590550735668 | 335086
0
PRODUIT NET BANCAIRE | 1798610 | -0.06762722324461667 | 1676975 | 0.05707837027981932 | 1772694 | 0 | 0 | 1449539 | 0.04080193771950944 | 1508683 | 0.00521315611032934 | 1516548 | 0.35761809055829424 | 2058893
0
Dotation à la provision pour créances douteuses | 300000 | -0.3333333333333333 | 200000 | 0.35 | 270000 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | 40000 | 14 | 600000
0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0
ET IMPÔTS SUR LE REVENU | 1498610 | -0.014436711352520002 | 1476975 | 0.017413294063880567 | 1502694 | 0 | 0 | 1449539 | 0.04080193771950944 | 1508683 | -0.021300034533430812 | 1476548 | -0.011956942815269128 | 1458893
0
DÉPENSES D'EXPLOITATION | 0
Salaires et avantages sociaux | 715518 | 0.010518253908357303 | 723044 | -0.023340211660701146 | 706168 | 0 | 0 | 676970 | 0.07172252832474113 | 725524 | 0.009775003997111054 | 732616 | -0.09474404053419527 | 663205
Frais de locaux | 36516 | 0.3243509694380545 | 48360 | 0.34276261373035566 | 64936 | 0 | 0 | 31389 | 0.09324922743636306 | 34316 | -0.14672455997202472 | 29281 | 0.27700556674976945 | 37392
Amortissement | 53436 | 0.08430646006437607 | 57941 | -0.021780776997290346 | 56679 | 0 | 0 | 36841 | 0.1075432262967889 | 40803 | 0.16903168884640835 | 47700 | 0.05651991614255765 | 50396
Autres dépenses d'exploitation | 256074 | 0.003670813905355483 | 257014 | 0.2235131160170263 | 314460 | 0 | 0 | 301230 | 0.04000597550044816 | 313281 | -0.038569207835776824 | 301198 | 0.0015073141255918035 | 301652
1061544 | 0.023376327311915475 | 1086359 | 0.051441558453513066 | 1142243 | 0 | 0 | 1046430 | 0.06449929761188039 | 1113924 | -0.0028089887640449437 | 1110795 | -0.05234989354471347 | 1052645
0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | -0.10627685521179868 | 390616 | -0.07722417924508981 | 360451 | 0 | 0 | 403109 | -0.02071400043164504 | 394759 | -0.07347774211607588 | 365753 | 0.11071679521425662 | 406248
0
Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0
BÉNÉFICE NET (PERTE NETTE) | 437066 | -0.10627685521179868 | 390616 | -0.07722417924508981 | 360451 | 0 | 0 | 403109 | -0.02071400043164504 | 394759 | -0.07347774211607588 | 365753 | 0.11071679521425662 | 406248
0
2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- juin. 24) | 2023 (oct22.- juin. 23) | 2023
TRIM 1 | Var. | TRIM 1 | Var. | 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 | -0.1985485323176148 | 496463 | -0.009038086512532162 | 500991 | 501262 | 0.10625046897276207 | 453118 | 0 | 0 | 836253 | 1529796 | 0.1315059171597633 | 1352000 | 2188253
Intérêts sur bons B.R.H. | 0 | -1 | 3343 | -0.6998024425287356 | 11136 | 0 | 0 | 107869 | 85.43349358974359 | 1248 | 0 | 0 | 468 | 119005 | 24.921367893705074 | 4591 | 5059
Autres | 1087428 | 0.16581257424171603 | 932764 | -0.1464286433292032 | 1092778 | 0.12825135071792218 | 968559 | 1042183 | 0.017743915360449527 | 1024013 | 0 | 0 | 1045747 | 3222389 | 0.10154491654975702 | 2925336 | 3971083
1619499 | 0.21401906149784333 | 1333998 | -0.16644765577110893 | 1600377 | 0.08902521179953046 | 1469550 | 1651314 | 0.11697609341041776 | 1478379 | 0 | 0 | 1882468 | 4871190 | 0.13761631153450304 | 4281927 | 6164395
Dépenses d'intérêt | 168425 | 0.13602638643445886 | 148258 | -0.08629923395024067 | 162261 | 0.0316433966582742 | 157284 | 164735 | 0.054101612490401844 | 156280 | 0 | 0 | 158661 | 495421 | 0.07275313865515286 | 461822 | 620483
1451074 | 0.2237708097896672 | 1185740 | -0.1754907114586028 | 1438116 | 0.09590281238712273 | 1312266 | 1486579 | 0.12440823266638883 | 1322099 | 0 | 0 | 1723807 | 4375769 | 0.14545778191960693 | 3820105 | 5543912
AUTRES REVENUS
Commissions | 264052 | 0.23438391129145358 | 213914 | 0.2664152551905419 | 168913 | -0.3505769001564801 | 260097 | 210656 | 0.0020406512959800596 | 210227 | 0 | 0 | 266212 | 643621 | -0.059360924122892914 | 684238 | 950450
Gains sur change | 65950 | 1.553727008712488 | 25825 | -0.5294792843348031 | 54886 | 1.6613727285872657 | -82988 | 60195 | 2.3461323434040744 | -44717 | 0 | 0 | -32196 | 181031 | 2.776904201020809 | -101880 | -134076
Autres | 17534 | -0.271238570241064 | 24060 | 0.5976095617529881 | 15060 | -0.22001243008079552 | 19308 | 15264 | -0.47254569957496806 | 28939 | 0 | 0 | 101070 | 47858 | -0.33812770547803117 | 72307 | 173377
347536 | 0.317427283651568 | 263799 | 0.10441306377402568 | 238859 | 0.21608109277710177 | 196417 | 286115 | 0.4714140982982684 | 194449 | 0 | 0 | 335086 | 872510 | 0.3327579754530943 | 654665 | 989751
PRODUIT NET BANCAIRE | 1798610 | 0.24081518331000407 | 1449539 | -0.13562277314807913 | 1676975 | 0.1115489469954921 | 1508683 | 1772694 | 0.1689006876142397 | 1516548 | 0 | 0 | 2058893 | 5248279 | 0.1728600576118996 | 4474770 | 6533663
Dotation à la provision pour créances douteuses | 300000 | 0 | 0 | 0 | 200000 | 0 | 0 | 270000 | 5.75 | 40000 | 0 | 0 | 600000 | 770000 | 18.25 | 40000 | 640000
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1498610 | 0.033852831831361556 | 1449539 | -0.01857580527767904 | 1476975 | -0.021017006223308675 | 1508683 | 1502694 | 0.017707517805042573 | 1476548 | 0 | 0 | 1458893 | 4478279 | 0.009810880834857276 | 4434770 | 5893663
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 715518 | 0.05694196197763564 | 676970 | -0.0637222630987879 | 723044 | -0.003418219107844813 | 725524 | 706168 | -0.03610076766000197 | 732616 | 0 | 0 | 663205 | 2144730 | 0.004505622661127529 | 2135110 | 2798315
Frais de locaux | 36516 | 0.16333747491159323 | 31389 | -0.3509305210918114 | 48360 | 0.4092551579438163 | 34316 | 64936 | 1.2176838222738295 | 29281 | 0 | 0 | 37392 | 149812 | 0.577200850651675 | 94986 | 132378
Amortissement | 53436 | 0.45044922776254714 | 36841 | -0.36416354567577364 | 57941 | 0.4200181359213783 | 40803 | 56679 | 0.18823899371069183 | 47700 | 0 | 0 | 50396 | 168056 | 0.34075823334184324 | 125344 | 175740
Autres dépenses d'exploitation | 256074 | -0.14990538790957075 | 301230 | 0.172037320924152 | 257014 | -0.17960552985977446 | 313281 | 314460 | 0.04403083685814647 | 301198 | 0 | 0 | 301652 | 827548 | -0.09627621875508485 | 915709 | 1217361
1061544 | 0.014443393251340272 | 1046430 | -0.036754884895324656 | 1086359 | -0.024745853397538792 | 1113924 | 1142243 | 0.02831125455192002 | 1110795 | 0 | 0 | 1052645 | 3290146 | 0.005807439526600592 | 3271149 | 4323794
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | 0.08423776199489467 | 403109 | 0.03198281688410101 | 390616 | -0.010495010880055933 | 394759 | 360451 | -0.014496121699616955 | 365753 | 0 | 0 | 406248 | 1188133 | 0.021065278127500277 | 1163621 | 1569869
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) | 437066 | 0.08423776199489467 | 403109 | 0.03198281688410101 | 390616 | -0.010495010880055933 | 394759 | 360451 | -0.014496121699616955 | 365753 | 0 | 0 | 406248 | 1188133 | 0.021065278127500277 | 1163621 | 1569869
Com /sal | 0.3690361388532504 | 0.315987414508767 | 0.23361372198649044 | 0.35849537713431945 | 0.29830861777933865 | 0.28695387488124746 | #DIV/0! | 0.4014022813458885
[BNCVARAN ]
BANQUE NATIONALE DE CRÉDIT (BNC)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 1529796 | 0.1315059171597633 | 1352000 | 2188253 | 0.04319858245680902 | 2097638.0114 | 0.023893291791855075 | 2048688.10863 | -0.08960054117248659 | 2250317.80145
Intérêts sur Bons B.R.H. | 119005 | 24.921367893705074 | 4591 | 5059 | -0.9587777551436137 | 122725 | 1.4625278407608804 | 49837 | -0.9233885335983947 | 650516.2
Autres | 3222389 | 0.10154491654975702 | 2925336 | 3971083 | 0.6536298728176582 | 2401434 | 0.17529472860810588 | 2043261.1 | 0.06519383556337942 | 1918205.8999799998
4871190 | 0.13761631153450304 | 4281927 | 6164395 | 0.3337658457944105 | 4621797.0114 | 0.11589463545217031 | 4141786.20863 | -0.14053705855372392 | 4819039.90143
Dépenses d'intérêt | 495421 | 0.07275313865515286 | 461822 | 620483 | 0.21464702819311166 | 510834 | -0.018877665376196427 | 520662.9 | -0.3134719978383124 | 758400.092
4375769 | 0.14545778191960693 | 3820105 | 5543912 | 0.34856771628115546 | 4110963.0114 | 0.13527285900554548 | 3621123.30863 | -0.10823823865867468 | 4060639.8094299994
AUTRES REVENUS
Commissions | 643621 | -0.059360924122892914 | 684238 | 950450 | 0.22976219896412475 | 772873 | 0.1040017712640969 | 700065 | 0.1670704633389687 | 599848.1
Gains sur change | 181031 | 2.776904201020809 | -101880 | -134076 | -1.4662150884611105 | 287584 | 0.3732928389968101 | 209412 | -0.2906239340067391 | 295205.9
Autres | 47858 | -0.33812770547803117 | 72307 | 173377 | -0.5194530905704411 | 360791 | 4.657691704563274 | 63770 | -0.4449973389985322 | 114900.35
872510 | 0.3327579754530943 | 654665 | 989751 | -0.3036042970684919 | 1421248 | 0.4603158293834967 | 973247 | -0.03634555363814214 | 1009954.35
PRODUIT NET BANCAIRE | 5248279 | 0.1728600576118996 | 4474770 | 6533663 | 0.18102201570698384 | 5532211.0114 | 0.2041282351595329 | 4594370.30863 | -0.09391874715793326 | 5070594.159429999
Dotation à la provision pour créances douteuses | 770000 | 0 | 40000 | 640000 | 0.4883720930232558 | 430000 | -0.033707865168539325 | 445000 | -0.5761904761904761 | 1050000
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 4478279 | 0.009810880834857276 | 4434770 | 5893663 | 0.15511941525578588 | 5102211.0114 | 0.2296350125194298 | 4149370.30863 | 0.0320291340268617 | 4020594.159429999
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 2144730 | 0.004505622661127529 | 2135110 | 2798315 | 0.19603080437053463 | 2339668 | 0.1561777487121984 | 2023623.1 | 0.18883419206961014 | 1702191.2
Frais de locaux | 149812 | 0.577200850651675 | 94986 | 132378 | 0.19713507989762974 | 110579 | 0.06727214817245607 | 103609 | -0.1889801685303108 | 127751.5
Amortissement | 168056 | 0.34075823334184324 | 125344 | 175740 | 0.14145048778269964 | 153962 | -0.01839997959808222 | 156848 | 0.45031554127464807 | 108147.5
Autres dépenses d'exploitation | 827548 | -0.09627621875508485 | 915709 | 1217361 | 0.22244514937625584 | 995841 | 0.5164550710294472 | 656690.07874 | 0.03913666286755085 | 631957.37597
3290146 | 0.005807439526600592 | 3271149 | 4323794 | 0.2010372078165581 | 3600050 | 0.22418610812439416 | 2940770.1787400004 | 0.14424736967372298 | 2570047.57597
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1188133 | 0.021065278127500277 | 1163621 | 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) | 1188133 | 0.021065278127500277 | 1163621 | 1569869 | 0.045073722514536965 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 | -0.16679674843181033 | 1450546.583459999
[bphinfin ]
BANQUE POPULAIRE HAÏTIENNE (BPH)
INDICATEURS FINANCIERS
Var.juin. 24 | 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 | 0.027205827671744936 | 5533814.80345592 | -0.0030195826428821193 | 5517104.99232648 | 0 | 0 | -0.10044713210588954 | 6133163.696362 | 0.08457337798521888 | 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 | 0
Prêts nets | 228304.83925360022 | -0.07165993205035477 | 211944.52998592006 | -0.09170589432400836 | 192507.96731647965 | 0 | 0 | -0.5592331902099603 | 436756.94957199995 | 0.40807200217933887 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002
Dépôts | 4620513.00201 | 0.028331431065982127 | 4751418.74761592 | -0.021709235813239372 | 4648269.07757648 | 0 | 0 | -0.10420309578874767 | 5188976.49202 | 0.10623030487645456 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 | 0.1726374357804065 | 3500425.74977
Avoir des Actionnaires | -558876.37606 | -0.0689104811183956 | -597388.81602 | 0.10764431399707869 | -533083.3067300001 | 0 | 0 | -0.5033070089139156 | -354607.07864 | 0.010306808436094493 | -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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 41483.02239 | -0.22142294381060287 | 53280.56107 | 24230.27988000001 | -0.4700087970633434 | 45718.26804999999 | 48636.102960000004 | -0.012668144902085267 | 49260.13752000001 | 0 | 0 | 51054.081300000005 | 114349.40523 | -0.22871845243828415 | 148258.96664
Autres revenus | 12121.46314 | 4.490581887445887 | 2207.68279 | 9179.560500000001 | 1.0512473035448693 | 4475.1115500000005 | 55287.0605 | 8.37915998754784 | -7492.324410000002 | 0 | 0 | 940.2034100000001 | 76588.08414 | 95.60807816564474 | -809.5300700000016
Dot. à la prov. pr créances douteuses | 9000 | 0 | 9000 | 9000 | 0 | 9000 | -18000 | -3 | 9000 | 0 | 0 | 9000 | 0 | -1 | 27000
Dépenses d'exploitation | 77785.05622999999 | 0.552415427412423 | 50105.82531999999 | 62922.280340000005 | 0.12639089734364345 | 55861.850880000005 | 57633.990860000005 | 0.02512921244488076 | 56221.196469999995 | 0 | 0 | 76264.44580999999 | 198341.32743 | 0.22290342219443227 | 162188.87266999998
Bénéfice (perte) net | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | -38512.439959999996 | -1.6255251297052655 | -14668.471280000012 | 64289.172600000005 | 3.741147049582873 | -23453.383359999985 | 0 | 0 | -33270.16109999998 | -7403.83805999998 | 0.8226176788238885 | -41739.43609999999
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 - juin. 24) | (oct. 22- juin 23) | 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 | -0.10795244099006078 | -0.05906235196543438 | -0.09662373789722041 | -0.06601735399018786 | 0 | -0.06686489273143852 | -0.09662373789722041 | -0.06601735399018786 | -0.06686489273143852 | -0.062068107649796 | -0.06988296413271866 | -0.07142906262228461
Dépôts en % de l'actif | 0.8576755910829691 | 0.846052176154688 | 0.8586154246883387 | 0.8531617472283051 | 0.8425195975138358 | 0.8457768689358022 | 0 | 0.850869114226354 | 0.8425195975138358 | 0.8457768689358022 | 0.850869114226354 | 0.8294888167489815 | 0.8208956876052808 | 0.8151621272007507
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.9124819160739528 | 0.8862416427797208 | 0.9204950581095075 | 0.8990194311367232 | 0.9226256772917395 | 0.9069847686571637 | 0 | 0.9078580468580435 | 0.9226256772917395 | 0.9069847686571637 | 0.9078580468580435 | 0.8837942060835163 | 0.8479007695801347 | 0.8186232390920686
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.9139952304133397 | 0.8058952107256309 | 0.9182333327027283 | 0.7892794220038946 | 0.9269091510677405 | 0.8281925303314788 | 0 | 0.864907141465704 | 0.9269091510677405 | 0.8281925303314788 | 0.864907141465704 | 0.8711693742290048 | 0.8961444012475123 | 1.031441875855655
Prêts improductifs nets
en % de l'avoir des actionnaires | NA | N/A | NA | N/A | N/A | N/A | 0 | N/A | NA | N/A | N/A | N/A | N/A | N/A
Rentabilité
ROA (rendement de l'actif) | -0.023833784854414883 | -0.00245507917716481 | -0.02821149031739372 | -0.009800519885492914 | 0.04654032336713623 | -0.016428412688531832 | 0 | -0.023490696456342896 | -0.0017523081764107575 | -0.009906707168416368 | -0.013153830039779876 | -0.008179240704489846 | -0.01696378627100233 | -0.01384151012519602
ROE (rendement avoir des action.) | -0.28138371738343704 | -0.041015861859048396 | -0.2664609483969341 | -0.1677454515043801 | 0.45495450126525466 | -0.263020095635474 | 0 | -0.3535228210641546 | -0.021517437226882347 | 0.1547206440925701 | -0.2039780027757108 | -0.12442656964191413 | -0.24028951709875565 | -0.35945502947495706
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.7053088664254933 | 0.8337306452253245 | 0.4372605300123484 | 0.8113283262966033 | 0.6085503603294993 | 0.8235398253220834 | 0 | 0.8292015418935728 | 0.5889730962345919 | 0.8233351279966947 | 0.8248298888818657 | 0.8040760696012017 | 0.7160007339410267 | 0.6270836139314504
Rendement moyen des prêts | 0.011675318706338892 | 0.03299356824698987 | 0.011818478458983905 | 0.01555734666703605 | 0.09292569810673944 | 0.015333242992805855 | 0 | 0.032262141406872495 | 0.038557364780346194 | 0.02250961310544254 | 0.02563961706888353 | 0.0184541692292859 | 0.02910772446253817 | 0.03294439579726986
Rendement moyen des prêts productifs | 0.12994251715626262 | 0.2871366057320032 | 0.14150442253314507 | 0.14501270214608075 | 1.1844393230973453 | 0.1578395884462952 | 0 | 0.3484494813779513 | 0.4538988392174144 | 0.2161199615530992 | 0.24665174140256527 | 0.1382750432870205 | 0.1756920006057282 | 0.16981827014559475
Rémunération moyenne des dépôts | 0.014575628662535223 | 0.00860405572004989 | 0.026618672976353827 | 0.008361620481169743 | 0.026626537793011978 | 0.00870276283142016 | 0 | 0.008752145841695003 | 0.02230444083928718 | 0.009014706084483995 | 0.008833825763133048 | 0.009276072555108485 | 0.014843405159227984 | 0.022461311082748087
Dépenses d'exploitation
en % du produit net bancaire | 1.451092300596136 | 0.9029989387737669 | 1.8833457336020947 | 1.112932648193309 | 0.5545827218989856 | 1.3460411806080306 | 0 | 1.466785171396581 | 1.038776240770888 | 1.0999626478260742 | 1.1955920043491077 | 1.0354164764976057 | 1.181564322333451 | 1.2216681302844923
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 1715.34353696 | 1775.6238035200001 | 1069.1148921600002 | 1580.893845669291 | 3325.5412307200004 | 1325.9623209523813 | 0 | 1663.8171107200003 | 2036.6665532800005 | 1572.79399008 | 2144.556142795699 | 1638.5794736398464 | 1276.8962666165414 | 1360.743204496124
[bphvar]
BANQUE POPULAIRE HAÏTIENNE (BPH)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.juin. 24 | 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 | 0.1724265533525503 | 373482.74172 | -0.21412303498070184 | 293511.48355 | 0 | 0 | -0.37989873150095355 | 473328.30694 | -0.33419587564406544 | 710912.24825 | 1.2839135849939394 | 311269.32863 | -0.05836252290844363 | 330561.74611
Avoirs à la BRH | 1512594.89109 | 0.10177486400807911 | 1666539.03043 | 0.15583720856690053 | 1926247.8209000002 | 0 | 0 | 0.25994823817761853 | 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 | 1.0522155248193759 | 30289.41098 | -0.47886223504237985 | 15784.95594 | 0 | 0 | 1.4159465646288798 | 6533.65276 | -0.8830463642081198 | 55865.324029999996 | -0.31611259046905577 | 81687.89665 | 2.172786733953176 | 25746.419
1845909.60446 | 0.12156693812514513 | 2070311.18313 | 0.07981074468727561 | 2235544.26039 | 0 | 0 | 0.11293482733557235 | 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 | -0.04076433121019108 | 1506000 | -0.1387782204515272 | 1297000 | 0 | 0 | -0.31556728232189973 | 1895000 | 0.10495626822157435 | 1715000 | 0.1078811369509044 | 1548000 | 0.10413694721825963 | 1402000
Autres Placements | 200000 | 0 | 200000 | 0 | 200000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 100000
Portefeuille net | 228304.83925360022 | -0.07165993205035477 | 211944.52998592006 | -0.09170589432400836 | 192507.96731647965 | 0 | 0 | -0.3594351005536943 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 | 0.7847738253663349 | 167934.05005000002
Immobilisations | 295167.5239 | -0.00459586939672796 | 293810.97251 | 0.19826191602839952 | 352062.49887 | 0 | 0 | 0.19835702445821693 | 293787.65399999986 | 0.1920960696066227 | 246446.29027 | -0.2895195091152242 | 346872.70577 | 0.0050403929189252 | 345133.09933999996
Autres actifs | 1247868.2351999998 | 0.0031092085851344036 | 1251748.1178300001 | -0.009393145404031623 | 1239990.26575 | 0 | 0 | -0.009643108441424797 | 1252064.0552100001 | 0.12518052982278138 | 1112767.26003 | 0.15238385513581038 | 965622.04952 | 0.36676981420646665 | 706499.39696
5387250.2028136 | 0.027205827671744936 | 5533814.80345592 | -0.0030195826428821193 | 5517104.99232648 | 0 | 0 | -0.04051566458586204 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 | 0.1644471289336575 | 4294146.689309999
PASSIF
Dépôts
à vue | 1983513.97718 | 0.041798397482366856 | 2066421.68281 | -0.061013582023854714 | 1940341.89397 | 0 | 0 | -0.12468570284079876 | 2216737.34825 | 0.054434094820035486 | 2102300.52228 | 0.1636145494406905 | 1806698.38074 | 0.09109483268757836 | 1655858.25046
Épargne | 564953.42801 | -0.03167342842242796 | 547059.41604592 | 0.046826027885076636 | 572676.03551648 | 0 | 0 | -0.02180005408727484 | 585438.6293 | 0.00017922779124967338 | 585333.72123 | 0.12332685279925207 | 521071.6006400001 | 0.2115868586682112 | 430073.66489
À terme | 2072045.5968199999 | 0.03180048356132966 | 2137937.64876 | -0.0012565851354730318 | 2135251.14809 | 0 | 0 | 0.02146380563537745 | 2090383.56162 | 0.04360055823708403 | 2003049.48586 | 0.12723367689037227 | 1776960.29397 | 0.2562517069568039 | 1414493.8344200002
4620513.00201 | 0.028331431065982127 | 4751418.74761592 | -0.021709235813239372 | 4648269.07757648 | 0 | 0 | -0.049931014561544335 | 4892559.53917 | 0.043037608469738725 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 | 0.1726374357804065 | 3500425.74977
0 | 0
Obligations à vue | 0 | 0 | 0
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 | 0.25115026972593996 | 315431.54280999996 | 0.012978370214756644 | 319525.33015 | 0 | 0 | 0.09147897195689478 | 292745.29181 | -0.1320641165982629 | 337289.07562 | 0.1757971590961116 | 286859.91713 | 1.0477607605903234 | 140084.68306
252113.23567 | 0.25115026972593996 | 315431.54280999996 | 0.012978370214756644 | 319525.33015 | 0 | 0 | 0.09147897195689478 | 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 | 0.0036975901517200677 | 1041811.15006 | 0.010034448363696113 | 1052265.15025 | 0 | 0 | 0.15548114486398928 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263
1037973.15076 | 0.0036975901517200677 | 1041811.15006 | 0.010034448363696113 | 1052265.15025 | 0 | 0 | 0.15548114486398928 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001 | -0.0013846853541819564 | 939642.21263
Autres passifs | 35527.19043 | -0.3654950274096302 | 22542.17899 | 0.33654963406002125 | 30128.74108 | 0 | 0 | -0.2189262957238918 | 38573.493019999994 | 0.5927002436384845 | 24218.928310000003 | 0.22245290381890295 | 19811.747539999997 | -0.043876876020228606 | 20720.91663
5946126.57887 | 0.031125647621361503 | 6131203.61947592 | -0.013213607873353428 | 6050188.29905648 | 0 | 0 | -0.013752064085860398 | 6134551.03807 | 0.021421040911005582 | 6005898.44184 | 0.12265175964956596 | 5349743.0438399995 | 0.1627668032263457 | 4600873.56209
AVOIR DES ACTIONNAIRES
Capital versé | 165000 | 0 | 165000 | 0 | 165000 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000
Réserves | 58117.833620000005 | 0 | 58117.833620000005 | 0 | 58117.833620000005 | 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 | 53802.03257 | 0 | 53802.03257 | 0 | 0 | -0.7753587642130965 | 239502.03257 | 1.2957300030673378 | 104325 | -0.4015488312060806 | 174325 | 0 | 174325
BNR | -835796.24225 | -0.04607874265661068 | -874308.68221 | 0.0735501209109055 | -810003.17292 | 0 | 0 | 0.21150037337381603 | -1027271.47302 | 0.19644116933904673 | -858605.92175 | 0.02306309953253562 | -839250.2106100001 | 0.08661543086286912 | -772352.56078
-558876.37606 | -0.0689104811183956 | -597388.81602 | 0.10764431399707869 | -533083.3067300001 | 0 | 0 | -0.3865118024477816 | -384478.01583000005 | 0.09541174016268797 | -350989.49713 | 0.004444980957996317 | -349436.25961000007 | 0.13924240299816604 | -306726.8727800001
5387250.202810001 | 0.02720582767243128 | 5533814.80345592 | -0.0030195826428822876 | 5517104.992326479 | 0 | 0 | -0.04051566458590214 | 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 | 270524.934829798 | 300183.596265637 | 0 | 248905.123197079 | 224784.359406334 | 202711.42267 | 228705.636893397
Portefeuille brut | 1375364.4852936 | -0.004329808491753121 | 1369409.4204659201 | -0.029227660501869906 | 1329384.7868364798 | 0 | 0 | -0.049891264201255316 | 1399192.2574197599 | 0.03780087659373862 | 1348228.0550891198 | 0.0802874296785037 | 1248027.1620770001 | 0.1566450656025408 | 1079006.16982
Provisions pour créances douteuses | 1147059.6460399998 | 0.0090712322379419 | 1157464.89048 | -0.01778720990099498 | 1136876.8195200001 | 0 | 0 | 0.03478133824119634 | 1098663.8215299998 | 0.058394840249097385 | 1038047.2199499999 | 0.09463680653844488 | 948302.86516 | 0.040864762055718436 | 911072.11977
Portefeuille de crédit improductif | 1254995.22084077 | 0.0044138679850932415 | 1260534.6040674841 | -0.026980667267204578 | 1226524.539336342 | 0 | 0 | -0.03443636491313353 | 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 | 373482.74172 | 0.06749100846070173 | 293511.48355 | 0.05320027151164122 | 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 | 1666539.03043 | 0.3011555481381904 | 1926247.8209000002 | 0.3491410483540083 | 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 | 30289.41098 | 0.005473513671090687 | 15784.95594 | 0.0028610939907713667 | 0 | 0 | 6533.65276 | 0.0011362730064000163 | 55865.324029999996 | 0.009879084628280186 | 81687.89665 | 0.01633657697126349 | 25746.419 | 0.005995700860451285
1845909.60446 | 0.3426441199066523 | 2070311.18313 | 0.37412007026998284 | 2235544.26039 | 0.4052024138564208 | 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 | 1506000 | 0.2721449946354346 | 1297000 | 0.2350870613852637 | 0 | 0 | 1895000 | 0.3295610321243994 | 1715000 | 0 | 1548000 | 0 | 1402000 | 0
Autres Placements | 200000 | 0.03712469116350786 | 200000 | 0.036141433550522524 | 200000 | 0.036250896127257314 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100000 | 0.023287513733274073
Portefeuille net | 228304.83925360022 | 0.042378733242121075 | 211944.52998592006 | 0.038299895734414294 | 192507.96731647965 | 0.03489293163429575 | 0 | 0 | 300528.43588976003 | 0.052265151195018844 | 310180.8351391199 | 0.05485160560000407 | 299724.2969170001 | 0.05994118158926063 | 167934.05005000002 | 0.03910766496823711
Immobilisations | 295167.5239 | 0.05479001583142412 | 293810.97251 | 0.05309374869692283 | 352062.49887 | 0.06381290538419508 | 0 | 0 | 293787.65399999986 | 0.05109285618873134 | 246446.29027 | 0.043580947576632785 | 346872.70577 | 0.06937028482103828 | 345133.09933999996 | 0.08037291790687694
Autres actifs | 1247868.2351999998 | 0.2316336142227579 | 1251748.1178300001 | 0.22619985711272295 | 1239990.26575 | 0.22475379161256723 | 0 | 0 | 1252064.0552100001 | 0.21774750518251643 | 1112767.26003 | 0.19677898811635755 | 965622.04952 | 0.19311256115115907 | 706499.39696 | 0.1645261440925585
5387250.2028136 | 1 | 5533814.80345592 | 1 | 5517104.99232648 | 1 | 0 | 0 | 5750073.0222397605 | 1 | 5654908.94470912 | 1 | 5000306.783586999 | 1 | 4294146.689309999 | 1
PASSIF
Dépôts
À vue | 1983513.97718 | 0.3681867191065434 | 2066421.68281 | 0.37341720968318276 | 1940341.89397 | 0.351695662248361 | 0 | 0 | 2216737.34825 | 0.38551464297518423 | 2102300.52228 | 0.37176558328971276 | 1806698.38074 | 0.361317506891838 | 1655858.25046 | 0.3856082174794243
Épargne | 564953.42801 | 0.10486860768318161 | 547059.41604592 | 0.09885755766605636 | 572676.03551648 | 0.10380009739038717 | 0 | 0 | 585438.6293 | 0.1018141208008452 | 585333.72123 | 0.1035089560155789 | 521071.6006400001 | 0.10420792627171693 | 430073.66489 | 0.10015346377445386
À terme | 2072045.5968199999 | 0.38462026429324414 | 2137937.64876 | 0.3863406573390995 | 2135251.14809 | 0.38702383787508754 | 0 | 0 | 2090383.56162 | 0.3635403504503247 | 2003049.48586 | 0.3542142774436899 | 1776960.29397 | 0.3553702544417259 | 1414493.8344200002 | 0.32940044594687257
4620513.00201 | 0.8576755910829691 | 4751418.74761592 | 0.8586154246883387 | 4648269.07757648 | 0.8425195975138358 | 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 | 315431.54280999996 | 0.057000740721032075 | 319525.33015 | 0.05791539776647625 | 0 | 0 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 | 140084.68306 | 0.03262223980581096
252113.23567 | 0.04679813006240712 | 315431.54280999996 | 0.057000740721032075 | 319525.33015 | 0.05791539776647625 | 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 | 1041811.15006 | 0.1882627422604347 | 1052265.15025 | 0.1907277733002278 | 0 | 0 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516
1037973.15076 | 0.19267216328989092 | 1041811.15006 | 0.1882627422604347 | 1052265.15025 | 0.1907277733002278 | 0 | 0 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 | 939642.21263 | 0.2188193093098516
Autres passifs | 35527.19043 | 0.006594679863104411 | 22542.17899 | 0.00407353332025535 | 30128.74108 | 0.005460969316680552 | 0 | 0 | 38573.493019999994 | 0.006708348375891564 | 24218.928310000003 | 0.00428281490414799 | 19811.747539999997 | 0.003962106406156928 | 20720.91663 | 0.004825386305871521
5946126.57887 | 1.1037405642983718 | 6131203.61947592 | 1.1079524409900607 | 6050188.29905648 | 1.0966237378972203 | 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 | 165000 | 0.029816682679181084 | 165000 | 0.029906989304987284 | 0 | 0 | 165000 | 0.028695287757533456 | 165000 | 0.0291781886522467 | 165000 | 0.03299797535255153 | 165000 | 0.03842439765990222
Réserves | 58117.833620000005 | 0.010788033121173171 | 58117.833620000005 | 0.010502309109387771 | 58117.833620000005 | 0.010534117748499215 | 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 | 53802.03257 | 0.009722412925058519 | 53802.03257 | 0.009751859470651925 | 0 | 0 | 239502.03257 | 0.04165199844309273 | 104325 | 0.01844857291603416 | 174325 | 0.03486286092929421 | 174325 | 0.04059595831553003
BNR | -835796.24225 | -0.15514338684575826 | -874308.68221 | -0.15799384570368816 | -810003.17292 | -0.14681670442135883 | 0 | 0 | -1027271.47302 | -0.17865363953584343 | -858605.92175 | -0.1518337306833798 | -839250.2106100001 | -0.16783974402625731 | -772352.56078 | -0.17986170866093648
-558876.37606 | -0.1037405642990399 | -597388.81602 | -0.10795244099006078 | -533083.3067300001 | -0.09662373789722041 | 0 | 0 | -384478.01583000005 | -0.06686489273143852 | -350989.49713 | -0.062068107649796 | -349436.25961000007 | -0.06988296413271866 | -306726.8727800001 | -0.07142906262228461
5387250.202810001 | 0.9999999999993319 | 5533814.80345592 | 1 | 5517104.992326479 | 0.9999999999999998 | 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)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 16884.88227 | 276626.60128 | 293511.48355 | 0.05752716066090014 | 2667.43859 | 470660.86835 | 473328.30694 | 0.005635493484944119
Avoirs à la BRH | 951810.28407 | 974437.53683 | 1926247.8209000002 | 0.4941265987391415 | 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 | 831.97054 | 14952.9854 | 15784.95594 | 0.05270654813116951 | 1392.98419 | 5140.66857 | 6533.65276 | 0.21320144200623234
969527.13688 | 1266017.1235099998 | 2235544.26039 | 0.43368729219919894 | 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. | 1297000 | 1297000 | 0 | 1895000 | 1895000 | 0
Autres Placements | 0 | 200000 | 200000 | 0 | 0 | 0 | 0 | 0
Portefeuille net | 642765.0069664799 | -450257.03965000017 | 192507.96731647977 | 3.338900804608182 | 663250.69399976 | -362722.25810999994 | 300528.43588976003 | 2.206948211193745
Immobilisations | 0 | 352062.49887 | 352062.49887 | 0 | 0 | 293787.65399999986 | 293787.65399999986 | 0
Autres actifs | 1195950.22898 | 44040.03677 | 1239990.2657499998 | 0.9644835625033213 | 1215875.5518200002 | 36188.53 | 1252064.0552100001 | 0.9710969233247972
2808242.37282648 | 2708862.6195 | 5517104.992326479 | 0.5090065127874768 | 2860964.30953976 | 2889108.7393099996 | 5750073.04884976 | 0.4975526893718446
PASSIF
Dépôts
À vue | 992990.80181 | 947351.09216 | 1940341.89397 | 0.5117607391233046 | 1054571.8879200001 | 1162165.46033 | 2216737.34825 | 0.4757315469748955
Épargne | 251698.12325648003 | 320977.91226 | 572676.03551648 | 0.4395122331764429 | 255529.92417 | 329908.70513 | 585438.6293 | 0.43647602221864523
À terme | 1413882.11625 | 721369.03184 | 2135251.14809 | 0.6621619744893847 | 1371653.34027 | 718730.22135 | 2090383.56162 | 0.6561730418540986
2658571.04131648 | 1989698.03626 | 4648269.07757648 | 0.5719486107509527 | 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 | 35266.6161 | 284258.71404999995 | 319525.33014999994 | 0.11037189472097321 | 37241.87452 | 255503.41728999998 | 292745.29180999997 | 0.12721596405441435
35266.6161 | 284258.71404999995 | 319525.33014999994 | 0.11037189472097321 | 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 | 13826.29461 | 1038438.85564 | 1052265.15025 | 0.013139553853622457 | 13210.99704 | 897461.71703 | 910672.7140700001 | 0.014506855026936185
13826.29461 | 1038438.85564 | 1052265.15025 | 0.013139553853622457 | 13210.99704 | 897461.71703 | 910672.7140700001 | 0.014506855026936185
Autres passifs | 8556.19311 | 21572.54797 | 30128.74108 | 0.2839877407184383 | 6442.05405 | 32131.43897 | 38573.49302 | 0.16700727742389973
2716220.14513648 | 3333968.15392 | 6050188.29905648 | 0.44894803448680626 | 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 | 0
Surplus d'apport | 0 | 53802.03257 | 53802.03257 | 0 | 0 | 239502.03257 | 239502.03257 | 0
BNR | 0 | -810003.17292 | -810003.17292 | 0 | 0 | -1027271.47302 | -1027271.47302 | 0
0 | -533083.3067300001 | -533083.3067300001 | 0 | 0 | -384478.01583000005 | -384478.01583000005 | 0
0
2716220.14513648 | 2800884.84719 | 5517104.99232648 | 0.49232707170053164 | 2738650.07797 | 3011422.94427 | 5750073.02224 | 0.4762809215426504
*Converties au taux de 132.0563 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 | 0.0013958532869248633 | 4054.8814100000004 | 6.731031761542933 | 31348.41697 | 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 | -0.06221400835665622 | 51358.94677 | -0.05424795610542855 | 48572.82888 | 0 | 0 | 52042.894290000004 | -0.03302853143450753 | 50323.993919999986 | 0.07322555868395644 | 54008.99649000001 | -0.07341156543677171 | 50044.11151
58815.398989999994 | -0.05783469751821861 | 55413.828180000004 | 0.44226176885655477 | 79921.24585 | 0 | 0 | 63906.204450000005 | -0.11824058375915669 | 56349.89752999999 | 0.06149483019299514 | 59815.12491000001 | 0.029341187243873454 | 61570.17169
Dépenses d'intérêt | 17332.3766 | 0.7991501696310935 | 31183.548299999995 | 0.003257954772260611 | 31285.14289 | 0 | 0 | 10625.64338 | 0.000563363533474644 | 10631.629479999998 | -0.0072088751911619075 | 10554.98739 | -0.0036851773064980275 | 10516.09039
41483.02239 | -0.41589887901125977 | 24230.27988000001 | 1.0072447863115639 | 48636.102960000004 | 0 | 0 | 53280.56107 | -0.1419334344108102 | 45718.26804999999 | 0.0774716458227691 | 49260.13752000001 | 0.03641775825882822 | 51054.081300000005
AUTRES REVENUS
Commissions | 8795.73857 | -0.06216058101872388 | 8248.99035 | -0.32896161892103554 | 5535.3891300000005 | 0 | 0 | 2991.9057199999997 | -0.11444707221589831 | 2649.4908700000005 | 0.16159149097199882 | 3077.626049999999 | 0.004594872726659285 | 3091.76735
Gains sur change | 238.34571999999986 | 1.868719815904394 | 683.7470899999998 | 1.7120533558687616 | 1854.3585899999998 | 0 | 0 | -1346.74247 | 0.29361014359337756 | -951.32522 | -10.543285702023121 | -10981.418810000001 | 0.3561254586191309 | -7070.656
Autres | 3087.37885 | -0.9200541715183415 | 246.82306 | 193.0552587752538 | 47897.31278 | 0 | 0 | 562.51954 | 3.9366212238600626 | 2776.9458999999997 | -0.8518270197485661 | 411.4683500000001 | 10.95497068000491 | 4919.09206
12121.46314 | -0.24270194167335465 | 9179.560500000001 | 5.022843958596928 | 55287.0605 | 0 | 0 | 2207.68279 | 1.0270627511663488 | 4475.1115500000005 | -2.674220704062673 | -7492.324410000002 | 1.1254888814938542 | 940.2034100000001
PRODUIT NET BANCAIRE | 53604.48553 | -0.37673424062055333 | 33409.84038000001 | 2.1105555213071625 | 103923.16346000001 | 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 | 9000 | -3 | -18000 | 0 | 0 | 9000 | 0 | 9000 | 0 | 9000 | 0 | 9000
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 44604.48553 | -0.4527492002215229 | 24409.84038000001 | 3.9948365725445996 | 121923.16346000001 | 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 | 0.004848833773186465 | 35051.580570000006 | -0.14713969687330444 | 29894.101629999997 | 0 | 0 | 26226.037769999995 | 0.11603980809793563 | 29269.302160000007 | 0.013910046019354309 | 29676.439499999993 | 0.6229818860176946 | 48164.323749999996
Frais de locaux | 4933.73153 | -0.0037040179200832778 | 4915.4569 | 0.001204836116048659 | 4921.379220000001 | 0 | 0 | 4753.4806100000005 | 0.055457687035773806 | 5017.09765 | -0.011378630431879285 | 4960.00995 | -0.007602514990922423 | 4922.3014
Amortissement | 1832.6163499999998 | 0.003578212100967092 | 1839.17384 | 0.19205106788600274 | 2192.38914 | 0 | 0 | 1708.88481 | 0.01093682844544692 | 1727.5745900000002 | 0.05812867970001768 | 1827.9962199999995 | -0.00447579153090335 | 1819.8144900000002
Autres dépenses d'exploitation | 36136.26694 | -0.4156543877357134 | 21116.06903 | -0.023202621629239688 | 20626.120870000002 | 0 | 0 | 17417.42213 | 0.13954156544289945 | 19847.87648 | -0.0045912055172159846 | 19756.7508 | 0.08104851785648877 | 21358.00617
77785.05622999999 | -0.19107495205830727 | 62922.280340000005 | -0.08404478431844448 | 57633.990860000005 | 0 | 0 | 50105.82531999999 | 0.11487737250587648 | 55861.850880000005 | 0.006432754811005465 | 56221.196469999995 | 0.35650698666107555 | 76264.44580999999
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -33180.57069999999 | -0.16069251213934088 | -38512.439959999996 | 2.6693092586907605 | 64289.172600000005 | 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 | -0.16069251213934088 | -38512.439959999996 | 2.6693092586907605 | 64289.172600000005 | 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- juin. 24) | 2023 (oct22.- juin. 23) | 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 | 4054.8814100000004 | -0.327091557974655 | 6025.903609999998 | 31348.41697 | 4.39919455829053 | 5806.128420000001 | 0 | 0 | 11526.06018 | 39452.52766 | 0.6649908384378559 | 23695.34219 | 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 | 51358.94677 | 0.020565793161116737 | 50323.993919999986 | 48572.82888 | -0.10065300159773456 | 54008.99649000001 | 0 | 0 | 50044.11151 | 154697.94536 | -0.010730166887426618 | 156375.8847 | 206419.99621
58815.398989999994 | -0.07966058231455507 | 63906.204450000005 | 55413.828180000004 | -0.01661173118374584 | 56349.89752999999 | 79921.24585 | 0.3361377405840477 | 59815.12491000001 | 0 | 0 | 61570.17169 | 194150.47302 | 0.07818709503545836 | 180071.22689 | 241641.39858
Dépenses d'intérêt | 17332.3766 | 0.631183729789358 | 10625.64338 | 31183.548299999995 | 1.9330920870278487 | 10631.629479999998 | 31285.14289 | 1.964015183915819 | 10554.98739 | 0 | 0 | 10516.09039 | 79801.06779 | 1.5085004071661334 | 31812.26025 | 42328.35064
41483.02239 | -0.22142294381060287 | 53280.56107 | 24230.27988000001 | -0.4700087970633434 | 45718.26804999999 | 48636.102960000004 | -0.012668144902085267 | 49260.13752000001 | 0 | 0 | 51054.081300000005 | 114349.40523 | -0.22871845243828415 | 148258.96664 | 199313.04794000002
0
AUTRES REVENUS | 0
Commissions | 8795.73857 | 1.9398448324100268 | 2991.9057199999997 | 8248.99035 | 2.113424712424089 | 2649.4908700000005 | 5535.3891300000005 | 0.7985905500117542 | 3077.626049999999 | 0 | 0 | 3091.76735 | 22580.11805 | 1.5897533453359634 | 8719.02264 | 11810.78999
Gains sur change | 238.34571999999986 | 1.1769794339373583 | -1346.74247 | 683.7470899999998 | 1.718731171659677 | -951.32522 | 1854.3585899999998 | 1.1688632973647601 | -10981.418810000001 | 0 | 0 | -7070.656 | 2776.4513999999995 | 1.209078220004968 | -13279.4865 | -20350.1425
Autres | 3087.37885 | 4.488482853413411 | 562.51954 | 246.82306 | -0.9111170800986795 | 2776.9458999999997 | 47897.31278 | 115.40582508958462 | 411.4683500000001 | 0 | 0 | 4919.09206 | 51231.51469 | 12.65833617926911 | 3750.93379 | 8670.02585
12121.46314 | 4.490581887445887 | 2207.68279 | 9179.560500000001 | 1.0512473035448693 | 4475.1115500000005 | 55287.0605 | 8.37915998754784 | -7492.324410000002 | 0 | 0 | 940.2034100000001 | 76588.08414 | 95.60807816564474 | -809.5300700000016 | 130.67333999999755
0
PRODUIT NET BANCAIRE | 53604.48553 | -0.03394878264219055 | 55488.24386 | 33409.84038000001 | -0.3343775484685631 | 50193.37959999999 | 103923.16346000001 | 1.488115985060248 | 41767.81311000001 | 0 | 0 | 51994.28471000001 | 190937.48937000002 | 0.2949353609727397 | 147449.43657 | 199443.72128000003
0
Dotation à la provision pour créances douteuses | 9000 | 0 | 9000 | 9000 | 0 | 9000 | -18000 | -3 | 9000 | 0 | 0 | 9000 | 0 | -1 | 27000 | 36000
0
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0
ET IMPÔTS SUR LE REVENU | 44604.48553 | -0.040521176400488884 | 46488.24386 | 24409.84038000001 | -0.4074329269162462 | 41193.37959999999 | 121923.16346000001 | 2.720820887579823 | 32767.81311000001 | 0 | 0 | 42994.28471000001 | 190937.48937000002 | 0.5852086552437747 | 120449.43656999999 | 163443.72128000003
0
DÉPENSES D'EXPLOITATION | 0
Salaires et avantages sociaux | 34882.44141 | 0.33006906021854654 | 26226.037769999995 | 35051.580570000006 | 0.1975543652660832 | 29269.302160000007 | 29894.101629999997 | 0.007334509586300078 | 29676.439499999993 | 0 | 0 | 48164.323749999996 | 99828.12361000001 | 0.17207981655526644 | 85171.77943 | 133336.10317999998
Frais de locaux | 4933.73153 | 0.03791977601019382 | 4753.4806100000005 | 4915.4569 | -0.020258874172002526 | 5017.09765 | 4921.379220000001 | -0.007788438005048548 | 4960.00995 | 0 | 0 | 4922.3014 | 14770.56765 | 0.002714042333547859 | 14730.58821 | 19652.88961
Amortissement | 1832.6163499999998 | 0.07240484512235776 | 1708.88481 | 1839.17384 | 0.06459880264851531 | 1727.5745900000002 | 2192.38914 | 0.1993400839745723 | 1827.9962199999995 | 0 | 0 | 1819.8144900000002 | 5864.17933 | 0.11391941604020972 | 5264.45562 | 7084.2701099999995
Autres dépenses d'exploitation | 36136.26694 | 1.0747195922729813 | 17417.42213 | 21116.06903 | 0.06389562889903676 | 19847.87648 | 20626.120870000002 | 0.04400369670097781 | 19756.7508 | 0 | 0 | 21358.00617 | 77878.45684 | 0.3657603970007854 | 57022.04941 | 78380.05558
77785.05622999999 | 0.552415427412423 | 50105.82531999999 | 62922.280340000005 | 0.12639089734364345 | 55861.850880000005 | 57633.990860000005 | 0.02512921244488076 | 56221.196469999995 | 0 | 0 | 76264.44580999999 | 198341.32743 | 0.22290342219443227 | 162188.87266999998 | 238453.31848000002
0
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -33180.57069999999 | -8.172031388064475 | -3617.5814599999867 | -38512.439959999996 | -1.6255251297052655 | -14668.471280000012 | 64289.172600000005 | 3.741147049582873 | -23453.383359999985 | 0 | 0 | -33270.16109999998 | -7403.83805999998 | 0.8226176788238885 | -41739.43609999999 | -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 | -38512.439959999996 | -1.6255251297052655 | -14668.471280000012 | 64289.172600000005 | 3.741147049582873 | -23453.383359999985 | 0 | 0 | -33270.16109999998 | -7403.83805999998 | 0.8226176788238885 | -41739.43609999999 | -75009.59719999999
Com /sal | 0.2521537545671463 | 0.1140814997003644 | 0.23533861286301472 | 0.09052114927498497 | 0.18516659903387106 | 0.10370604094874655 | #DIV/0! | 0.06419206394442527
[BPHVARAN ]
BANQUE POPULAIRE HAÏTIENNE (BPH)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 39452.52766 | 0.6649908384378559 | 23695.34219 | 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 | 154697.94536 | -0.010730166887426618 | 156375.8847 | 206419.99621 | 0.1202965289371695 | 184254.78512 | 0.6315415278300113 | 156911.51449 | 0.6315415278300113 | 96173.7791
194150.47302 | 0.07818709503545836 | 180071.22689 | 241641.39858 | 0.16056213559993227 | 208210.65168999997 | -0.1274753801661135 | 198744.19703 | -0.1274753801661135 | 227780.61789
Dépenses d'intérêt | 79801.06779 | 1.5085004071661334 | 31812.26025 | 42328.35064 | 0.037626173784569644 | 40793.44923 | -0.3355176631856061 | 56443.20608999999 | -0.3355176631856061 | 84943.12484
114349.40523 | -0.22871845243828415 | 148258.96664 | 199313.04794000002 | 0.19051713331323128 | 167417.20245999997 | -0.0037560314070492025 | 142300.99094000002 | -0.0037560314070492025 | 142837.49305
AUTRES REVENUS
Commissions | 22580.11805 | 1.5897533453359634 | 8719.02264 | 11810.78999 | -0.09558722922079006 | 13059.07034 | -0.11486573995249984 | 13658.338370000001 | -0.11486573995249984 | 15430.80975
Gains sur change | 2776.4513999999995 | 1.209078220004968 | -13279.4865 | -20350.1425 | -7.276953291599074 | 3242.0414100000003 | -0.4231387245883686 | 7452.93864 | -0.4231387245883686 | 12919.810980000002
Autres | 51231.51469 | 12.65833617926911 | 3750.93379 | 8670.02585 | -0.7121152397200784 | 30116.3071 | 0.4754577299996069 | 6414.935509999999 | 0.4754577299996069 | 4347.7596
76588.08414 | 95.60807816564474 | -809.5300700000016 | 130.67333999999755 | -0.997184821059907 | 46417.41885 | -0.1581781041691126 | 27526.21252 | -0.1581781041691126 | 32698.380330000004
PRODUIT NET BANCAIRE | 190937.48937000002 | 0.2949353609727397 | 147449.43657 | 199443.72128000003 | -0.0672992050671588 | 213834.62130999996 | -0.03252138614220387 | 169827.20346000002 | -0.03252138614220387 | 175535.87338
Dotation à la provision pour créances douteuses | 0 | -1 | 27000 | 36000 | -6.994677377318269e-05 | 36002.51826 | 1 | 48000 | 1 | 24000
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 190937.48937000002 | 0.5852086552437747 | 120449.43656999999 | 163443.72128000003 | -0.08090992302978307 | 177832.10304999998 | -0.19605040877351088 | 121827.20346000002 | -0.19605040877351088 | 151535.87338
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 99828.12361000001 | 0.17207981655526644 | 85171.77943 | 133336.10317999998 | 0.21620937735245788 | 109632.52352999999 | -0.10569050163401131 | 111554.21149 | -0.10569050163401131 | 124737.81357999999
Frais de locaux | 14770.56765 | 0.002714042333547859 | 14730.58821 | 19652.88961 | 0.07056308711482559 | 18357.52591 | 0.08151297241785313 | 25622.10871 | 0.08151297241785313 | 23690.986019999997
Amortissement | 5864.17933 | 0.11391941604020972 | 5264.45562 | 7084.2701099999995 | -0.3035155534787137 | 10171.469219999999 | 0.10400466481371046 | 15754.31421 | 0.10400466481371046 | 14270.15185
Autres dépenses d'exploitation | 77878.45684 | 0.3657603970007854 | 57022.04941 | 78380.05558 | -0.05845679304574324 | 83246.37148999999 | -0.07761709201868132 | 47731.13016 | -0.07761709201868132 | 51747.63078000001
198341.32743 | 0.22290342219443227 | 162188.87266999998 | 238453.31848000002 | 0.076986544239467 | 221407.89015 | -0.06428089231664853 | 200661.76457000003 | -0.06428089231664853 | 214446.58222999997
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -7403.83805999998 | 0.8226176788238885 | -41739.43609999999 | -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 | -7403.83805999998 | 0.8226176788238885 | -41739.43609999999 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 | -0.2531183092844781 | -78834.56111000001 | -0.2531183092844781 | -62910.708849999966
[buhinfin]
BANQUE DE L'UNION HAÏTIENNE (BUH)
INDICATEURS FINANCIERS
Var.juin. 24 | 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 | -0.002530462577417853 | 46946883.43898683 | 0.011964705083850844 | 47508589.05394023 | 0 | 0 | 0.04441425486130578 | 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 | 0
Prêts nets | 12391495.619240273 | 0.030557208592321933 | 12770145.135648241 | -0.04472821410034153 | 12198959.349928532 | 0 | 0 | 0.02453253136119294 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105
Dépôts | 38142174.74447539 | -0.013876897441946118 | 37612879.697333515 | -0.006743985838353797 | 37359218.96931499 | 0 | 0 | -0.01760454621900084 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416
Avoir des Actionnaires | 3350940.03368 | -0.03979402932623418 | 3217592.627709286 | 0.009707138211980416 | 3248826.244056309 | 0 | 0 | 0.23270451271670883 | 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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 313755.06545864 | 0.06174035850826442 | 295510.16210729996 | 300343.393531744 | -0.14647257361733543 | 351884.8770971891 | 303026.59109615895 | -0.3380554781333706 | 457782.4592333641 | 0 | 0 | 841080.445653143 | 917125.0500865432 | -0.17015587868656243 | 1105177.498437853
Autres revenus | 310263.0471698372 | 0.16696568839213688 | 265871.61067033804 | 269358.04291317775 | -0.4905738002411873 | 528747.9188167099 | 300148.9023407698 | -0.17407904274500785 | 363411.1711347492 | 0 | 0 | -798631.4899060412 | 879769.9924237847 | -0.24028785078720472 | 1158030.7006217972
Dot. à la prov. pr créances douteuses | 4685.614875285388 | -0.9563304192610478 | 107296.99703999999 | 41603.98867641502 | -0.14902679955848017 | 48889.89295412495 | -10729.95542658987 | -1.0516198960255356 | 207864.7237352416 | 0 | 0 | -995779.9307117421 | 35559.648125110536 | -0.9023225092704977 | 364051.61372936657
Dépenses d'exploitation | 570312.8641136549 | 0.07785351761984717 | 529119.0823156 | 569218.8551433189 | -0.07458575200535858 | 615096.2732385064 | 570299.4179374641 | -0.008830840339070641 | 575380.5113675639 | 0 | 0 | 754030.9369566292 | 1709831.137194438 | -0.005678502673254522 | 1719595.86692167
Bénéfice (perte) net | 31921.67274816414 | 1.6077538624662668 | -52524.01460457347 | -25833.06567030087 | -1.1703436585950195 | 151652.64080488743 | 55978.44550706694 | 0.33204823926101085 | 42024.33805109226 | 0 | 0 | 240201.2908496047 | 62067.052584930556 | -0.5602851635876142 | 141152.9642514065
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 - juin. 24) | (oct. 22- juin 23) | 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 | 0.06853687384575673 | 0.06166985561527321 | 0.06838397663983795 | 0.0649752606537627 | 0 | 0.05793862135650572 | 0.06838397663983795 | 0.0649752606537627 | 0.05793862135650572 | 0.07492218026626138 | 0.08399211660595632 | 0.10144165313577588
Dépôts en % de l'actif | 0.8103979351069833 | 0.852436025563958 | 0.8011794807682179 | 0.8327842315385054 | 0.7863676803135142 | 0.8057849725186648 | 0 | 0.8360112129190895 | 0.7863676803135142 | 0.8057849725186648 | 0.8360112129190895 | 0.8319063502496844 | 0.8181649316827374 | 0.7583432115006496
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.011201807020278919 | 0.23586523452058458 | 0.028703885368071384 | 0.228963731225407 | 0.015999920355612943 | 0.1403402627899836 | 0 | 0.019764130395404627 | 0.015999920355612943 | 0.1403402627899836 | 0.019764130395404627 | 0.11408158078922474 | 0.0562751812861468 | 0.011131736542746701
Provisions pour créances douteuses
en % des prêts improductifs bruts | 2.401190245420913 | 0.2749530279249567 | 0.9370697193806308 | 0.3108363460407084 | 1.5480180584519778 | 0.32051053641239813 | 0 | 0.9896655644517804 | 1.5480180584519778 | 0.32051053641239813 | 0.9896655644517804 | 0.3971745454698088 | 0.8647964786194402 | 3.0256460890261523
Prêts improductifs nets
en % de l'avoir des actionnaires | -0.05964633328832567 | 0.9692580827003553 | 0.007367269562828305 | 0.9119421798402496 | -0.033759897586876246 | 0.43045967611267444 | 0 | 0.0009411805187272899 | -0.033759897586876246 | 0.43045967611267444 | 0.0009411805187272899 | 0.32433516656661493 | 0.03182783967513231 | -0.09815945941558532
Rentabilité
ROA (rendement de l'actif) | 0.0027591752803112833 | -0.004420582788063823 | -0.0021982579094638626 | 0.011978860754924808 | 0.004741150006846553 | 0.003317156557295941 | 0 | 0.020184921947753606 | 0.0017797606983967762 | 0.003957038149571484 | 0.008390643149983825 | 0.005808606807929885 | 0.010956370573103082 | 0.017798307209976546
ROE (rendement avoir des action.) | 0.042658444958025454 | -0.06386731162757432 | -0.03146281460655722 | 0.19071824004332602 | 0.06925433890648355 | 0.05241106671241607 | 0 | 0.3276079605706721 | 0.02812749819611166 | 0.05675298445855471 | 0.1263208926100493 | 0.07344718595589103 | 0.11978733622570949 | 0.17784013761266987
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.7227154254584183 | 0.7181999081704018 | 0.7129411855588402 | 0.7260956274955812 | 0.7109422383041422 | 0.7924363193225584 | 0 | 0.878939509335663 | 0.7155872569234246 | 0.7498954396331405 | 0.800697918210508 | 0.7407085462128182 | 0.7567250680954185 | 0.7438871561707947
Rendement moyen des prêts | 0.11832803392134418 | 0.0832994985485418 | 0.11064082649750971 | 0.0901905240775977 | 0.11156709665067921 | 0.12225722009176727 | 0 | 0.17057586758956655 | 0.11714981595730882 | 0.11050238033678265 | 0.13046658261541064 | 0.11366742252460704 | 0.12312780632975993 | 0.1408633310661932
Rendement moyen des prêts productifs | 0.12017652993045243 | 0.1013964575528055 | 0.11290854231814104 | 0.11749320065310036 | 0.11413562149232556 | 0.15089549972915914 | 0 | 0.18653344059307927 | 0.11927945608820094 | 0.1265172904092754 | 0.14080894038739883 | 0.12458455227695817 | 0.12751218829470384 | 0.14309615667796707
Rémunération moyenne des dépôts | 0.012643001618488695 | 0.011581209662404434 | 0.012770668707566424 | 0.012446419817858323 | 0.01314683999740382 | 0.011548895488264774 | 0 | 0.011868568888347501 | 0.012643001701479748 | 0.011581209662404434 | 0.0127809960700656 | 0.014257861429705245 | 0.01675649045222914 | 0.023804172036362935
Dépenses d'exploitation
en % du produit net bancaire | 0.9139363947488544 | 0.9425298575292057 | 0.9991529224419473 | 0.6984707770282104 | 0.9454950079086686 | 0.7006636316816538 | 0 | 17.76323878139477 | 0.9515475844408483 | 0.7598045410210833 | 1.0728510952816075 | 0.7934167257992941 | 0.7158666312225299 | 0.6222613343159268
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 5396.913406516559 | 4649.124412237167 | 4916.517250873111 | 7346.258985725956 | 5177.472046668917 | 6922.601731238046 | 0 | 364.76009234888767 | 5152.387218667606 | 6241.1808316019315 | 6478.839915157717 | 5258.012596367964 | 4810.9360983483275 | 5877.378218485537
[buhvar]
BANQUE DE L'UNION HAÏTIENNE (BUH)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.juin. 24 | 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 | 0.5028223462891426 | 3822928.190317222 | -0.5893880031365397 | 1569740.1780917689 | 0 | 0 | -0.7096680901268787 | 5406709.096419216 | 2.177408285459028 | 1701609.806068133 | 0.5476469605845711 | 1099481.89051165 | -0.2861222195229068 | 1540154.2400953462
Avoirs à la BRH | 16195878.934646295 | -0.056001356940305266 | 15288887.737465197 | 0.20512213245321023 | 18424976.993011795 | 0 | 0 | 0.47273230625574 | 12510744.087535687 | -0.26996931705283905 | 17137285.29468015 | -0.15398196586635493 | 20256406.605125606 | 0.9717782488178013 | 10273166.67950391
Avoirs à l'étranger | 2246902.4604731603 | 0 | 1703814.918867222 | 0 | 1500657.7952908918 | 0 | 0 | -0.16565831158631744 | 1798612.9856990161 | 0.08994115971070649 | 1650192.737171616 | 0.8350697095545467 | 899253.4335778401 | 0.9024526015579162 | 472681.1237459701
Avoirs dans les banques locales | 378040.75650654006 | 0 | 379707.76388320804 | 0 | 378745.073335932 | 0 | 0 | -0.012474703583360182 | 383529.49003965396 | -0.17545186306931493 | 465138.992936558 | 4.6937956031491765 | 81692.253350172 | 0.03381154632111516 | 79020.44975303201
Autres liquidités | 159117.2482566 | -1.0527996741325716 | -8401.33885682 | 22.0319667229782 | 176696.679265102 | 0 | 0 | -0.8112916053987365 | 936347.7424438801 | 8.008967365429863 | 103935.079844659 | 13.880181449248346 | 6984.7992243339995 | -0.9892304438857948 | 648568.905743564
21523771.80945318 | -0.015649419663017028 | 21186937.27167603 | 0.040774154198980964 | 22050816.718995485 | 0 | 0 | 0.0482447255850153 | 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 | 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 | -0.003110968811232641 | 6489723.189347542 | 0.04022210200381258 | 6750753.497445987 | 0 | 0 | -0.012116237944972436 | 6833550.420347888 | -0.009723376871802171 | 6900648.021722754 | 3.826728540216274 | 1429673.942552724 | -0.31945176651819684 | 2100767.987065756
Portefeuille net | 12391495.619240273 | 0.030557208592321933 | 12770145.135648241 | -0.04472821410034153 | 12198959.349928532 | 0 | 0 | 0.02453253136119294 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 | 0.04570457165986166 | 12316507.917750105
Immobilisations | 5218442.34454 | -0.020125132709357743 | 5113420.4998200005 | 0.000978557613279673 | 5118424.27638 | 0 | 0 | 0.2292419783305659 | 4163886.6607300006 | 2.607793388689217 | 1154136.67362 | 0.11043586633713243 | 1039354.6431699999 | 0.017672521729910826 | 1021305.5977999999
Autres actifs | 1422296.8520893 | -0.025057715301785948 | 1386657.34249502 | 0.0021475159031306115 | 1389635.211190221 | 0 | 0 | -0.10231863101546027 | 1548027.2390661077 | 0.579922227969989 | 979812.3044671239 | 0.1666408212105296 | 839857.723691214 | 1.0431598222636596 | 411058.26110104204
47065982.14547537 | -0.002530462577417853 | 46946883.43898683 | 0.011964705083850844 | 47508589.05394023 | 0 | 0 | 0.04441425486130578 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 | 0.3349903103594114 | 28863231.162558727
PASSIF
Dépôts
À vue | 17530960.645982917 | -0.04864214304382002 | 16678217.150545437 | -0.035904981923207756 | 16079386.06524377 | 0 | 0 | -0.06426527187095808 | 17183701.301108867 | 0.03880315702567971 | 16541826.220772717 | 0.27044844707170224 | 13020462.387828887 | 0.3997158661078782 | 9302218.188062876
Épargne | 8784279.36570895 | -0.030815275862561428 | 8513589.373800823 | 0.015407135867155508 | 8644759.402000144 | 0 | 0 | 0.0167318808071918 | 8502496.641628861 | 0.048860883884537326 | 8106410.270673083 | 0.20925402459958112 | 6703645.475447021 | 0.5715754988189116 | 4265557.385238585
À terme | 11826934.73278352 | 0.0502360462476227 | 12421073.172987249 | 0.017228811561084065 | 12635073.502071083 | 0 | 0 | 0.023704642258974985 | 12342498.979187675 | -0.0599759757891088 | 13129982.491190754 | 0.11256585460377676 | 11801532.859254247 | 0.4183750760247676 | 8320459.840798957
38142174.74447539 | -0.013876897441946118 | 37612879.697333515 | -0.006743985838353797 | 37359218.96931499 | 0 | 0 | -0.01760454621900084 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 | 0.44030069697721347 | 21888235.414100416
Obligations à vue
Banques locales | 600000 | 0 | 600000 | 0 | 600000 | 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 | 0.23490338253976206 | 3302190.9023893895 | 0.23371814118865203 | 4073972.821945915 | 0 | 0 | 0.5273171136540404 | 2667404.6833660565 | 1.0544391939867879 | 1298361.4658313468 | 0.00041964770356142135 | 1297816.839974808 | 0.13693577756413608 | 1141504.089839935
3274047.9855176555 | 0.1918551345765994 | 3902190.9023893895 | 0.19778169209608581 | 4673972.821945915 | 0 | 0 | 0.7522548607239177 | 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 | -0.05527318629935234 | 720959.2977962106 | 0.023466373907426688 | 737877.5982503323 | 0 | 0 | 0.08411500413115146 | 680626.682075758 | 0.17904079002557635 | 577271.5310901105 | 0.41270921596130095 | 408627.28477162 | 0.7748804538862697 | 230228.060643122
763140.5051076051 | -0.05527318629935234 | 720959.2977962106 | 0.023466373907426688 | 737877.5982503323 | 0 | 0 | 0.08411500413115146 | 680626.682075758 | -0.6583627953155424 | 1992249.8859701105 | -0.11557383695431052 | 2252590.40179162 | -0.006628085906360925 | 2267620.384503122
Autres passifs | 1535678.8766907654 | -0.027621635991865928 | 1493260.9137584155 | -0.0030587369794586373 | 1488693.4213815224 | 0 | 0 | 0.008595568028361592 | 1476006.308744419 | 5.138351836319308 | 240456.452823575 | 0.0945237822282083 | 219690.4779300993 | -0.07668787240718367 | 237937.39014655672
43715042.11179142 | 0.00032594500194409583 | 43729290.81127753 | 0.012130816433876947 | 44259762.81089276 | 0 | 0 | 0.032834035634888015 | 42852734.59611163 | 0.02007765123748322 | 42009286.78726158 | 0.1902084682552788 | 35295738.442226686 | 0.36091512902625705 | 25935297.27859003
AVOIR DES ACTIONNAIRES
Capital versé | 728155.76157 | 0 | 728155.76157 | 0 | 728155.76157 | 0 | 0 | 0 | 728155.76157 | -3.433213471075307e-05 | 728180.76157 | -0.009866245990355437 | 735436.76157 | 0.011517575156672042 | 727062.76157
Réserves | 1613369.4674000002 | -0.423012418537852 | 930894.147 | 0 | 930894.147 | 0 | 0 | 1.4126116627143024 | 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 | 1198554.27904 | 0 | 1198554.27904 | 0 | 0 | 2.328138739979809e-07 | 1198554 | -9.569286293484027e-05 | 1198668.70404 | -0.058839844691228174 | 1273607.57601 | 0.09562173076627604 | 1162451.9122300001
BNR | -189139.47433000006 | 2.90329618592044 | 359988.4400992861 | 0.08676283143538902 | 391222.0564463091 | 0 | 0 | 0.21131724620287 | 322972.41509 | -0.703819342823062 | 1090457.486888 | 0.16908272120811682 | 932746.2181299999 | 0.14366027130572492 | 815579.80244
3350940.03368 | -0.03979402932623418 | 3217592.627709286 | 0.009707138211980416 | 3248826.244056309 | 0 | 0 | 0.23270451271670883 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 | 0.10535128666968242 | 2927933.88397
47065982.14547142 | -0.0025304625773343247 | 46946883.438986816 | 0.011964705105340097 | 47508589.05494907 | 0 | 0 | 0.04441425553408948 | 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 | 4398849.748801652 | 4709216.476470712 | 0 | 3361981.889064204 | 2620854.426157199 | 3234982.958983928 | 1429968.6171458
Portefeuille brut | 12734010.837312054 | 0.03055707309711964 | 13123124.937287312 | -0.046814008368068934 | 12508778.85665793 | 0 | 0 | 0.030004111186221122 | 12144397.018233247 | -0.24314692173690344 | 16045910.847193018 | 0.1852242592771332 | 13538290.93658562 | 0.062177037052262754 | 12745795.158740086
Provisions pour créances douteuses | 342515.2180717805 | 0.030552171159580567 | 352979.8016390706 | -0.12227412081160424 | 309819.5067293988 | 0 | 0 | 0.30426737794544234 | 237542.9394066763 | -0.6732761682812831 | 727045.034202408 | 0.10348556000491962 | 658862.300109452 | 0.5347819296703217 | 429287.24098998134
Portefeuille de crédit improductif | 142643.93199371 | 1.6407339492533353 | 376684.673870774 | -0.46868168700391 | 200139.465452502 | 0 | 0 | -0.16616701998863515 | 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 | 3822928.190317222 | 0.08143092598011498 | 1569740.1780917689 | 0.033041187064291044 | 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 | 15288887.737465197 | 0.3256635290249876 | 18424976.993011795 | 0.38782412527748344 | 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 | 1703814.918867222 | 0.03629239672706999 | 1500657.7952908918 | 0.03158708404467826 | 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 | 379707.76388320804 | 0.008088029195307168 | 378745.073335932 | 0.00797213895167278 | 0 | 0 | 383529.49003965396 | 0.008431394712697328 | 465138.992936558 | 0.010242729604339335 | 81692.253350172 | 0.002120107168305258 | 79020.44975303201 | 0.0027377548032646126
Autres liquidités | 159117.2482566 | 0.0033807272472247034 | -8401.33885682 | -0.00017895413372303104 | 176696.679265102 | 0.003719257565500091 | 0 | 0 | 936347.7424438801 | 0.020584381670549396 | 103935.079844659 | 0.002288732906551791 | 6984.7992243339995 | 0.00018127205821104138 | 648568.905743564 | 0.022470419271175886
21523771.80945318 | 0.45731058459432017 | 21186937.27167603 | 0.4512959267937567 | 22050816.718995485 | 0.46414379290362556 | 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 | 6489723.189347542 | 0.13823544214136652 | 6750753.497445987 | 0.14209543225502502 | 0 | 0 | 6833550.420347888 | 0.15022667716402904 | 6900648.021722754 | 0.15195774350155553 | 1429673.942552724 | 0.0371034198426709 | 2100767.987065756 | 0.07278353470663619
Portefeuille net | 12391495.619240273 | 0.26327923171643647 | 12770145.135648241 | 0.27201262789349145 | 12198959.349928532 | 0.25677376644627553 | 0 | 0 | 11906854.07882657 | 0.26175662923520504 | 15318865.81299061 | 0.33733357716802254 | 12879428.636476168 | 0.33425163165500626 | 12316507.917750105 | 0.4267196506303505
Immobilisations | 5218442.34454 | 0.11087503344582109 | 5113420.4998200005 | 0.10891927483249257 | 5118424.27638 | 0.10773681934794256 | 0 | 0 | 4163886.6607300006 | 0.09153760763460465 | 1154136.67362 | 0.02541500509279745 | 1039354.6431699999 | 0.026973710958254907 | 1021305.5977999999 | 0.035384312728120114
Autres actifs | 1422296.8520893 | 0.03021921114262843 | 1386657.34249502 | 0.029536728338892815 | 1389635.211190221 | 0.029250189047131225 | 0 | 0 | 1548027.2390661077 | 0.03403135617348211 | 979812.3044671239 | 0.02157624419810832 | 839857.723691214 | 0.02179629410786146 | 411058.26110104204 | 0.014241588503586018
47065982.14547537 | 1 | 46946883.43898683 | 1 | 47508589.05394023 | 1 | 0 | 0 | 45488261.80110802 | 1 | 45411624.72350161 | 1 | 38532133.92767971 | 1 | 28863231.162558727 | 1
PASSIF
Dépôts
À vue | 17530960.645982917 | 0.3724762524193545 | 16678217.150545437 | 0.3552571742535541 | 16079386.06524377 | 0.33845219118142156 | 0 | 0 | 17183701.301108867 | 0.3777612206032964 | 16541826.220772717 | 0.3642641354827352 | 13020462.387828887 | 0.33791179103308333 | 9302218.188062876 | 0.32228609942083264
Épargne | 8784279.36570895 | 0.186637545107585 | 8513589.373800823 | 0.18134514477122354 | 8644759.402000144 | 0.18196203200615094 | 0 | 0 | 8502496.641628861 | 0.18691627916681033 | 8106410.270673083 | 0.17850958471604345 | 6703645.475447021 | 0.1739754535274111 | 4265557.385238585 | 0.14778516518870727
À terme | 11826934.73278352 | 0.25128413758004386 | 12421073.172987249 | 0.2645771617434401 | 12635073.502071083 | 0.2659534571259418 | 0 | 0 | 12342498.979187675 | 0.2713337131489828 | 13129982.491190754 | 0.2891326300509057 | 11801532.859254247 | 0.3062776871222429 | 8320459.840798957 | 0.2882719468911099
38142174.74447539 | 0.8103979351069833 | 37612879.697333515 | 0.8011794807682179 | 37359218.96931499 | 0.7863676803135142 | 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 | 600000 | 0.012780401084126761 | 600000 | 0.012629295290558364 | 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 | 3302190.9023893895 | 0.07033887364815147 | 4073972.821945915 | 0.08575234295677386 | 0 | 0 | 2667404.6833660565 | 0.05863940668977338 | 1298361.4658313468 | 0.028590949426203056 | 1297816.839974808 | 0.03368141620214073 | 1141504.089839935 | 0.039548728394646605
3274047.9855176555 | 0.06956293773702546 | 3902190.9023893895 | 0.08311927473227823 | 4673972.821945915 | 0.09838163824733222 | 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 | 720959.2977962106 | 0.0153569149852766 | 737877.5982503323 | 0.015531456794319064 | 0 | 0 | 680626.682075758 | 0.014962688287622788 | 577271.5310901105 | 0.012711977045634279 | 408627.28477162 | 0.010604844401780743 | 230228.060643122 | 0.007976517228666102
763140.5051076051 | 0.01621426920931615 | 720959.2977962106 | 0.0153569149852766 | 737877.5982503323 | 0.015531456794319064 | 0 | 0 | 680626.682075758 | 0.014962688287622788 | 1992249.8859701105 | 0.04387092287713444 | 2252590.40179162 | 0.058460048073627785 | 2267620.384503122 | 0.07856432884218002
Autres passifs | 1535678.8766907654 | 0.032628212706667076 | 1493260.9137584155 | 0.031807455668470284 | 1488693.4213815224 | 0.031335248026231464 | 0 | 0 | 1476006.308744419 | 0.03244807012407025 | 240456.452823575 | 0.005295041837583341 | 219690.4779300993 | 0.005701487447916394 | 237937.39014655672 | 0.008243615858754171
43715042.11179142 | 0.9288033547599921 | 43729290.81127753 | 0.931463126154243 | 44259762.81089276 | 0.9403769090399745 | 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 | 728155.76157 | 0.015510204474303959 | 728155.76157 | 0.015326823550648233 | 0 | 0 | 728155.76157 | 0.016007552998040988 | 728180.76157 | 0.016035118012264135 | 735436.76157 | 0.019086323195863703 | 727062.76157 | 0.025189929619284724
Réserves | 1613369.4674000002 | 0.03427888665774075 | 930894.147 | 0.019828667609210093 | 930894.147 | 0.019594228444525744 | 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 | 1198554.27904 | 0.02553000734537931 | 1198554.27904 | 0.025228159852930743 | 0 | 0 | 1198554 | 0.026348643639990774 | 1198668.70404 | 0.026395635728480336 | 1273607.57601 | 0.03305312854980759 | 1162451.9122300001 | 0.04027448991012234
BNR | -189139.47433000006 | -0.004018602517321159 | 359988.4400992861 | 0.007667994416863363 | 391222.0564463091 | 0.008234764791733216 | 0 | 0 | 322972.41509 | 0.007100126544781119 | 1090457.486888 | 0.02401273888629803 | 932746.2181299999 | 0.02420697021038739 | 815579.80244 | 0.02825670479672307
3350940.03368 | 0.07119664523992385 | 3217592.627709286 | 0.06853687384575673 | 3248826.244056309 | 0.06838397663983795 | 0 | 0 | 2635527.1766600003 | 0.05793862135650572 | 3402337.9337179996 | 0.07492218026626138 | 3236395.48593 | 0.08399211660595632 | 2927933.88397 | 0.10144165313577588
47065982.14547142 | 0.999999999999916 | 46946883.438986816 | 0.9999999999999997 | 47508589.05494907 | 1.0000000000212348 | 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)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 153013.85006176896 | 1416726.32803 | 1569740.1780917689 | 0.09747718265565321 | 515983.86618921603 | 4890725.23023 | 5406709.096419216 | 0.09543399820251927
Avoirs à la BRH | 13857011.519441795 | 4567965.473569999 | 18424976.993011795 | 0.7520775480315371 | 11930035.173825687 | 580708.91371 | 12510744.087535687 | 0.9535831834104452
Avoirs à l'étranger | 1500657.7952908918 | 0 | 1500657.7952908918 | 1 | 1798612.9856990161 | 0 | 1798612.9856990161 | 1
Avoirs dans les banques locales | 291510.801245932 | 87234.27209 | 378745.073335932 | 0.7696754935406734 | 296388.092949654 | 87141.39709 | 383529.49003965396 | 0.7727908821796461
Autres liquidités | 115135.865535102 | 61560.813729999994 | 176696.679265102 | 0 | 514148.75129388005 | 422198.99114999996 | 936347.7424438801 | 0.5491002199161019
15917329.831575489 | 6133486.88742 | 22050816.71899549 | 0.7218476319683724 | 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 | 5658958.113685813 | 1091795.3837601738 | 6750753.497445987 | 0.838270589472237 | 5723041.319349498 | 1110509.100998391 | 6833550.420347888 | 0.8374916357254513
Portefeuille net | 8022011.426905779 | 4176947.923022752 | 12198959.349928532 | 0.657598012813509 | 6296385.062636568 | 5610469.016190002 | 11906854.078826569 | 0.5288034119636311
Immobilisations | 0 | 5118424.27638 | 5118424.27638 | 0 | 0 | 4163886.6607300006 | 4163886.6607300006 | 0
Autres actifs | 161161.06745195796 | 1228474.1437382628 | 1389635.211190221 | 0.1159736498860904 | 194493.16640149654 | 1353534.09 | 1548027.2564014967 | 0.12563936816823898
29759460.43961904 | 17749128.614321187 | 47508589.05394022 | 0.6264016892993979 | 27269088.41834502 | 18219173.400098395 | 45488261.81844342 | 0.5994752784176213
PASSIF
Dépôts
À vue | 11426120.091923771 | 4653265.973319999 | 16079386.06524377 | 0.7106067386877278 | 10069150.561277568 | 7114550.739831298 | 17183701.301108867 | 0.5859709957032252
Épargne | 5639921.586620144 | 3004837.8153799996 | 8644759.402000144 | 0.6524093181026219 | 5509287.084378861 | 2993209.55725 | 8502496.641628861 | 0.6479611009082883
À terme | 10404328.178191083 | 2230745.32388 | 12635073.502071083 | 0.8234481719861506 | 10147488.133987674 | 2195010.8452 | 12342498.979187675 | 0.8221583125993124
27470369.856735 | 9888849.112579998 | 37359218.96931499 | 0.7353036443105997 | 25725925.7796441 | 12302771.142281298 | 38028696.921925396 | 0.6764871757888673
Obligations à vue
Banques locales | 600000 | 600000 | 0 | 0 | 0 | 0
Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1525419.750017109 | 2548543.824385212 | 4073963.574402321 | 0.37443136693751583 | 877065.1724860561 | 1790339.5108800004 | 2667404.6833660565 | 0.32880843988744457
1525419.750017109 | 3148543.824385212 | 4673963.574402321 | 0.3263653483247718 | 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 | 656894.5939691281 | 80992.25182479805 | 737886.8457939262 | 0.8902375719441714 | 654198.283745758 | 26428.398329999996 | 680626.682075758 | 0.9611704932733472
656894.5939691281 | 80992.25182479805 | 737886.8457939262 | 0.8902375719441714 | 654198.283745758 | 26428.398329999996 | 680626.682075758 | 0.9611704932733472
Autres passifs | 81258.16643667816 | 1407435.2549448444 | 1488693.4213815227 | 0.05458354639685971 | 146044.95129057183 | 1329961.357453847 | 1476006.308744419 | 0.0989460210470283
29733942.367157917 | 13925820.44373485 | 44259762.81089276 | 0.6718052804349892 | 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 | 930894.147 | 930894.147 | 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 | 391222.0564463091 | 391222.0564463091 | 0 | 0 | 322972.41509 | 322972.41509 | 0
0 | 3248826.244056309 | 3248826.244056309 | 0 | 2635527.1766600003 | 2635527.1766600003
29733942.367157917 | 17774646.68779116 | 47508589.054949075 | 0.6258645638321786 | 27403234.187166486 | 18085027.585605145 | 45488261.77277163 | 0.6024242984718646
*Converties au taux de 132.0563 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 | -0.028180530890405626 | 357606.85912 | -0.0004116898942103225 | 357459.63599 | 0 | 0 | 354555.8539 | 0.1577201128535648 | 410476.44319 | 0.22804421930229898 | 504083.22321924806 | 0.1304304894157433 | 569831.04473
Intérêts sur Bons B.R.H. | 0 | 0 | 351 | 0 | 1813.5 | 0 | 0 | 0 | 0 | 0 | 0 | 1482.00143 | 0 | -234
Autres | 66156.98609864 | -0.04294503051665465 | 63315.87231174401 | 0.05754253777751716 | 66959.22828615899 | 0 | 0 | 56903.627987299995 | 0.3030739631177477 | 74149.63603718899 | -0.027309091740617242 | 72124.67682411602 | 4.370275486262329 | 387329.383903143
434133.62217864 | -0.02962196450567543 | 421273.731431744 | 0.011770572135040376 | 426232.364276159 | 0 | 0 | 411459.4818873 | 0.17782211994309952 | 484626.079227189 | 0.19203222078881865 | 577689.9014733641 | 0.6564707573952019 | 956926.428633143
Dépenses d'intérêt | 120378.55672 | 0.004583716527549267 | 120930.33789999998 | 0.01881608304015195 | 123205.77318000002 | 0 | 0 | 115949.31978 | 0.1448208784826036 | 132741.20212999993 | -0.09668256490122186 | 119907.44224 | -0.033871619510245365 | 115845.98298
313755.06545864 | -0.04274567458310544 | 300343.393531744 | 0.008933765889980669 | 303026.59109615895 | 0 | 0 | 295510.16210729996 | 0.19077081677285745 | 351884.8770971891 | 0.30094382858893526 | 457782.4592333641 | 0.8372928640858753 | 841080.445653143
AUTRES REVENUS
Commissions | 172609.9259100001 | -0.14240267499342119 | 148029.81072999985 | 0.15840814621449736 | 171478.93863222204 | 0 | 0 | 102073.48521 | 0.37711519608452504 | 140566.9476 | 0.2692997609773806 | 178421.59299 | 0.12858188745846352 | 201363.37817999997
Gains sur change | 75002.25032058252 | -0.12799497306206134 | 65402.33931120558 | 0.08033058407906456 | 70656.14742821189 | 0 | 0 | 99673.785790338 | -0.1452734364574302 | 85193.83240385383 | 0.1637353657248449 | 99143.07570999998 | -0.7590344878155685 | 23890.062018000008
Autres | 62650.87093925457 | -0.10734053599674101 | 55925.89287197234 | 0.0373337518838239 | 58013.81628033587 | 0 | 0 | 64124.33967 | 3.7249942903444166 | 302987.138812856 | -0.7166661833531706 | 85846.50243474921 | -12.926926561536767 | -1023884.9301040411
310263.0471698372 | -0.13183975542620188 | 269358.04291317775 | 0.11431201049198632 | 300148.9023407698 | 0 | 0 | 265871.61067033804 | 0.9887340264858886 | 528747.9188167099 | -0.312694843417955 | 363411.1711347492 | -3.197597524072579 | -798631.4899060412
PRODUIT NET BANCAIRE | 624018.1126284772 | -0.08704342884337721 | 569701.4364449218 | 0.058757192540874546 | 603175.4934369288 | 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 | 7.879088397951409 | 41603.98867641502 | -1.2579068922945025 | -10729.95542658987 | 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 | -0.14731190485832188 | 528097.4477685067 | 0.16248516529969328 | 613905.4488635187 | 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 | -0.058970238072722767 | 222310.79557999998 | -0.0006094382400391201 | 222175.31088 | 0 | 0 | 208326.32789999997 | 0.014401876518652297 | 211326.61795000004 | -0.02071442993061946 | 206949.10752999998 | 0.7202370326163061 | 356001.51864
Frais de locaux | 108590.53133999999 | -0.0011972158934645803 | 108460.52502999998 | 0.04049246275347878 | 112852.3588 | 0 | 0 | 85349.78602999999 | 0.2974240183927033 | 110734.86236 | 0.11295033816304267 | 123242.40250999999 | -0.29155948576290036 | 87309.91101000001
Amortissement | 21942.661749999996 | 0.20556724755600844 | 26453.354330000002 | -0.014654429270633854 | 26065.69552 | 0 | 0 | 22036.653329999997 | 0.6312106772761176 | 35946.42420332831 | -0.6767178191558753 | 11620.838410000004 | 1.9474790821052297 | 34252.17813000001
Autres dépenses d'exploitation | 203537.62579365497 | 0.04154786800076578 | 211994.180203319 | -0.013151905694679677 | 209206.05273746402 | 0 | 0 | 213406.3150556 | 0.20468960189016602 | 257088.3687251781 | -0.09148685303906874 | 233568.1629175638 | 0.18366872318213232 | 276467.329176629
570312.8641136549 | -0.001918261079445049 | 569218.8551433189 | 0.0018983257219635332 | 570299.4179374641 | 0 | 0 | 529119.0823156 | 0.16249119299693707 | 615096.2732385064 | -0.06456836693520751 | 575380.5113675639 | 0.31049092219764124 | 754030.9369566292
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 49019.6336395368 | -1.8388762689904254 | -41121.407374812174 | 2.060421656501093 | 43606.03092605458 | 0 | 0 | -75034.30657796207 | 3.887301017384197 | 216646.6297212676 | -0.824837361586786 | 37948.39526530786 | 6.489063701252907 | 284197.9495022148
Impôts sur le revenu | 17097.96089137266 | -1.8941616957508387 | -15288.3417045113 | 0.19072880367649678 | -12372.414581012366 | 0 | 0 | -22510.291973388594 | 3.8873010173841966 | 64993.98891638019 | -1.0627126116390304 | -4075.9427857843984 | 11.794228713429579 | 43996.6586526101
BÉNÉFICE NET (PERTE NETTE) | 31921.67274816414 | -1.8092641596229186 | -25833.06567030087 | 3.1669300199016983 | 55978.44550706694 | 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- juin. 24) | 2023 (oct22.- juin. 23) | 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 | 357606.85912 | 0 | 410476.44319 | 357459.63599 | -0.29087178560091653 | 504083.22321924806 | 0 | 0 | 569831.04473 | 1083043.13119 | -0.1466158014314625 | 1269115.520309248 | 1838946.565039248
Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 351 | 0 | 0 | 1813.5 | 0 | 1482.00143 | 0 | 0 | -234 | 2164.5 | 0 | 1482.00143 | 1248.00143
Autres | 66156.98609864 | 0.162614554442912 | 56903.627987299995 | 63315.87231174401 | 0 | 74149.63603718899 | 66959.22828615899 | -0.0716183248980587 | 72124.67682411602 | 0 | 0 | 387329.383903143 | 196432.086696543 | -0.033201705479870856 | 203177.940848605 | 590507.324751748
434133.62217864 | 0.05510661751513731 | 411459.4818873 | 421273.731431744 | 0 | 484626.079227189 | 426232.364276159 | -0.2621779207338082 | 577689.9014733641 | 0 | 0 | 956926.428633143 | 1281639.7178865431 | -0.1303697541306137 | 1473775.462587853 | 2430701.891220996
Dépenses d'intérêt | 120378.55672 | 0.038199766487668374 | 115949.31978 | 120930.33789999998 | 0 | 132741.20212999993 | 123205.77318000002 | 0.027507307956734332 | 119907.44224 | 0 | 0 | 115845.98298 | 364514.6678 | -0.011077913464378968 | 368597.96414999996 | 484443.94713
313755.06545864 | 0.06174035850826442 | 295510.16210729996 | 300343.393531744 | 0 | 351884.8770971891 | 303026.59109615895 | -0.3380554781333706 | 457782.4592333641 | 0 | 0 | 841080.445653143 | 917125.0500865432 | -0.17015587868656243 | 1105177.498437853 | 1946257.9440909962
AUTRES REVENUS
Commissions | 172609.9259100001 | 0.6910358802276867 | 102073.48521 | 148029.81072999985 | 0 | 140566.9476 | 171478.93863222204 | -0.03891151424798164 | 178421.59299 | 0 | 0 | 201363.37817999997 | 492118.675272222 | 0.16875577733997107 | 421062.02580000006 | 622425.4039800001
Gains sur change | 75002.25032058252 | -0.24752280927355977 | 99673.785790338 | 65402.33931120558 | 0 | 85193.83240385383 | 70656.14742821189 | -0.2873314962016533 | 99143.07570999998 | 0 | 0 | 23890.062018000008 | 211060.73705999996 | -0.2568563734040269 | 284010.69390419184 | 307900.75592219183
Autres | 62650.87093925457 | -0.022978306495291347 | 64124.33967 | 55925.89287197234 | 0 | 302987.138812856 | 58013.81628033587 | -0.32421456163072687 | 85846.50243474921 | 0 | 0 | -1023884.9301040411 | 176590.58009156276 | -0.6101391574251006 | 452957.9809176052 | -570926.9491864359
310263.0471698372 | 0.16696568839213688 | 265871.61067033804 | 269358.04291317775 | 0 | 528747.9188167099 | 300148.9023407698 | -0.17407904274500785 | 363411.1711347492 | 0 | 0 | -798631.4899060412 | 879769.9924237847 | -0.24028785078720472 | 1158030.7006217972 | 359399.21071575605
PRODUIT NET BANCAIRE | 624018.1126284772 | 0.11157530024696641 | 561381.7727776379 | 569701.4364449218 | 0 | 880632.795913899 | 603175.4934369288 | -0.26548931807161524 | 821193.6303681133 | 0 | 0 | 42448.955747101805 | 1796895.0425103279 | -0.20604076847329944 | 2263208.1990596503 | 2305657.154806752
Dotation à la provision pour créances douteuses | 4685.614875285388 | -0.9563304192610478 | 107296.99703999999 | 41603.98867641502 | 0 | 48889.89295412495 | -10729.95542658987 | -1.0516198960255356 | 207864.7237352416 | 0 | 0 | -995779.9307117421 | 35559.648125110536 | -0.9023225092704977 | 364051.61372936657 | -631728.3169823756
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 619332.4977531917 | 0.36391381267323303 | 454084.77573763794 | 528097.4477685067 | 0 | 831742.902959774 | 613905.4488635187 | 0.000940021291042865 | 613328.9066328717 | 0 | 0 | 1038228.886458844 | 1761335.3943852175 | -0.07256968277899933 | 1899156.5853302837 | 2937385.4717891277
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 236242.04523000002 | 0.13399994907700788 | 208326.32789999997 | 222310.79557999998 | 0 | 211326.61795000004 | 222175.31088 | 0.07357462678495866 | 206949.10752999998 | 0 | 0 | 356001.51864 | 680728.15169 | 0.08638033983137222 | 626602.0533799999 | 982603.57202
Frais de locaux | 108590.53133999999 | 0.27229998329264704 | 85349.78602999999 | 108460.52502999998 | 0 | 110734.86236 | 112852.3588 | -0.08430575433773231 | 123242.40250999999 | 0 | 0 | 87309.91101000001 | 329903.41516999993 | 0.033120790237442306 | 319327.0509 | 406636.96190999995
Amortissement | 21942.661749999996 | -0.004265238400426464 | 22036.653329999997 | 26453.354330000002 | 0 | 35946.42420332831 | 26065.69552 | 1.2430133352142525 | 11620.838410000004 | 0 | 0 | 34252.17813000001 | 74461.71160000001 | 0.06979198786210418 | 69603.91594332832 | 103856.09407332834
Autres dépenses d'exploitation | 203537.62579365497 | -0.046243660874674096 | 213406.3150556 | 211994.180203319 | 0 | 257088.3687251781 | 209206.05273746402 | -0.10430407070803659 | 233568.1629175638 | 0 | 0 | 276467.329176629 | 624737.858734438 | -0.11266748179639564 | 704062.8466983419 | 980530.1758749709
570312.8641136549 | 0.07785351761984717 | 529119.0823156 | 569218.8551433189 | 0 | 615096.2732385064 | 570299.4179374641 | -0.008830840339070641 | 575380.5113675639 | 0 | 0 | 754030.9369566292 | 1709831.137194438 | -0.005678502673254522 | 1719595.86692167 | 2473626.803878299
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 49019.6336395368 | 1.6532962837286231 | -75034.30657796207 | -41121.407374812174 | 0 | 216646.6297212676 | 43606.03092605458 | 0.14908761282769933 | 37948.39526530786 | 0 | 0 | 284197.9495022148 | 51504.25719077955 | -0.7131652309745445 | 179560.7184086137 | 463758.6679108287
Impôts sur le revenu | 17097.96089137266 | 1.7595619333407877 | -22510.291973388594 | -15288.3417045113 | 0 | 64993.98891638019 | -12372.414581012366 | -2.035473074883053 | -4075.9427857843984 | 0 | 0 | 43996.6586526101 | -10562.795394151008 | -1.2750172621631641 | 38407.7541572072 | 82404.4128098173
BÉNÉFICE NET (PERTE NETTE) | 31921.67274816414 | 1.6077538624662668 | -52524.01460457347 | -25833.06567030087 | 0 | 151652.64080488743 | 55978.44550706694 | 0.33204823926101085 | 42024.33805109226 | 0 | 0 | 240201.2908496047 | 62067.052584930556 | -0.5602851635876142 | 141152.9642514065 | 381354.2551010114
Com /sal | 0.7306486266741845 | 0.48996920475167655 | 0.6658687462468748 | 0.6651644216123225 | 0.7718181554603077 | 0.8621520291607706 | #DIV/0! | 0.5656250539302473
15288.341704511293 | 31233.61634504224
9521.43863702345
[BUHVARAN]
BANQUE DE L'UNION HAÏTIENNE (BUH)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 1083043.13119 | -0.1466158014314625 | 1269115.520309248 | 1838946.565039248 | 0.09371265544447775 | 1681379.982105 | 0.039074878454053726 | 1618150.9311499998 | -0.18117403792312956 | 1976184.2028625
Intérêts sur Bons B.R.H. | 2164.5 | 0 | 1482.00143 | 1248.00143 | 0 | 234 | 0 | 0 | 0 | 23511.14286
Autres | 196432.086696543 | -0.033201705479870856 | 203177.940848605 | 590507.324751748 | 1.6383286353619217 | 223818.714938347 | 0.01096358130447881 | 221391.47154 | 3.670571433222289 | 47401.3672
1281639.7178865431 | -0.1303697541306137 | 1473775.462587853 | 2430701.891220996 | 0.2756692456221138 | 1905432.697043347 | 0.03581885052336621 | 1839542.40269 | -0.10138959675050671 | 2047096.7129225
Dépenses d'intérêt | 364514.6678 | -0.011077913464378968 | 368597.96414999996 | 484443.94713 | -0.019468121244006497 | 494062.41411 | 0.10401418473200696 | 447514.55275000003 | -0.1464333401215379 | 524287.76073999994
917125.0500865432 | -0.17015587868656243 | 1105177.498437853 | 1946257.9440909962 | 0.37898464182337455 | 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999 | -0.08588149029138811 | 1522808.9521825002
AUTRES REVENUS
Commissions | 492118.675272222 | 0.16875577733997107 | 421062.02580000006 | 622425.4039800001 | 0.38508481317249577 | 449377.10533000005 | 0.3202850954773396 | 340363.688774 | 0.049111274854980895 | 324430.4936299999
Gains sur change | 211060.73705999996 | -0.2568563734040269 | 284010.69390419184 | 307900.75592219183 | -0.2634857259213652 | 418051.30838417186 | 1.8884541115166125 | 144731.85041 | -0.3908119661197053 | 237581.57147
Autres | 176590.58009156276 | -0.6101391574251006 | 452957.9809176052 | -570926.9491864359 | -3.4901587744964595 | 229273.31182 | 0.1000679471020839 | 208417.40950999997 | 0.005116413736305116 | 207356.487926859
879769.9924237847 | -0.24028785078720472 | 1158030.7006217972 | 359399.21071575605 | -0.6722908313646511 | 1096701.7255341718 | 0.5813716637871624 | 693512.948694 | -0.0985946254684142 | 769368.553026859
PRODUIT NET BANCAIRE | 1796895.0425103279 | -0.20604076847329944 | 2263208.1990596503 | 2305657.154806752 | -0.08070535972547532 | 2508072.0084675187 | 0.20260030880732272 | 2085540.798634 | -0.09014864952899274 | 2292177.5052093593
Dotation à la provision pour créances douteuses | 35559.648125110536 | -0.9023225092704977 | 364051.61372936657 | -631728.3169823756 | -4.719491321520092 | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999 | -0.5093216673652304 | 132748.92716423233
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1761335.3943852175 | -0.07256968277899933 | 1899156.5853302837 | 2937385.4717891277 | 0.25624352439416026 | 2338229.343873211 | 0.15730794566542727 | 2020403.7763939998 | -0.06438036574332207 | 2159428.578045127
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 680728.15169 | 0.08638033983137222 | 626602.0533799999 | 982603.57202 | 0.2891304210305672 | 762222.0032899999 | 0.2526227287076956 | 608500.8565 | 0.03772653703583535 | 586378.8144400001
Frais de locaux | 329903.41516999993 | 0.033120790237442306 | 319327.0509 | 406636.96190999995 | 0.31185426955200085 | 309971.1388284514 | 0.21736965736583627 | 254623.67733000003 | -0.07233048407209214 | 274476.71068
Amortissement | 74461.71160000001 | 0.06979198786210418 | 69603.91594332832 | 103856.09407332834 | 0.24535197758936964 | 83394.97262 | -0.3366673098319316 | 125721.18615 | 0.05704353549281257 | 118936.6208
Autres dépenses d'exploitation | 624737.858734438 | -0.11266748179639564 | 704062.8466983419 | 980530.1758749709 | 0.175190961738229 | 834358.166288707 | 0.6550675012667521 | 504123.345815266 | 0.12895125386205997 | 446541.286960528
1709831.137194438 | -0.005678502673254522 | 1719595.86692167 | 2473626.803878299 | 0.2430621004510119 | 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266 | 0.04671813152424318 | 1426333.4328805283
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 51504.25719077955 | -0.7131652309745445 | 179560.7184086137 | 463758.6679108287 | 0.33155676340143475 | 348283.0628460529 | -0.33966601771300053 | 527434.7105987337 | -0.2805371661814633 | 733095.1451645987
Impôts sur le revenu | -10562.795394151008 | -1.2750172621631641 | 38407.7541572072 | 82404.4128098173 | -0.2113272067033035 | 104484.91885381544 | -0.33966601771300353 | 158230.41317962017 | -0.2805371661814629 | 219928.54354937957
BÉNÉFICE NET (PERTE NETTE) | 62067.052584930556 | -0.5602851635876142 | 141152.9642514065 | 381354.2551010114 | 0.5642213220177498 | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136 | -0.2805371661814634 | 513166.60161521914
[capitalbkinfin ]
CAPITAL BANK (CAPITALBK)
INDICATEURS FINANCIERS
Var.juin. 24 | 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 | 0.038376951936536084 | 52439874 | -0.009119396434857948 | 51961654 | 0 | 0 | 0.0617007921637697 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402
Bons B.R.H. | 850000 | 0 | 0 | 0 | 250000 | 0 | 0 | 0 | 550000 | 0 | 0 | 0 | 150000 | 0 | 0
Prêts nets | 12235675 | -0.014650192980771392 | 12056420 | -0.03139016391267059 | 11677967 | 0 | 0 | -0.0851632535409288 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831 | 0.4975784283343544 | 7960739
Dépôts | 39370639 | -0.002403948790366344 | 39275994 | 0.02567104985299672 | 40284250 | 0 | 0 | 0.05470812827646984 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722 | 0.5078596434812641 | 20536873
Avoir des Actionnaires | 5391153 | 0.004586217456636827 | 5415878 | -0.03961979941202516 | 5201302 | 0 | 0 | 0.007133171444930479 | 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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 502939 | -0.0357006589858482 | 521559 | 489786 | -0.07982873578982372 | 532277 | 466848 | -0.15896124017042434 | 555085 | 0 | 0 | 540045 | 1459573 | -0.09282494292758936 | 1608921
Autres revenus | 616649 | -0.27565290015352684 | 851317 | 522672 | -0.2829038803742216 | 728873 | 553699 | -0.10638507335983358 | 619617 | 0 | 0 | 539843 | 1693020 | -0.23037793770089832 | 2199807
Dot. à la prov. pr créances douteuses | 61050 | -0.5593648502345724 | 138550 | 52663 | 0.49674577234617023 | 35185 | 45106 | 0.6342753623188406 | 27600 | 0 | 0 | 49909 | 158819 | -0.2111704373308168 | 201335
Dépenses d'exploitation | 709779 | 0.07213160812415223 | 662026 | a | 729439 | -0.027208434854855894 | 749841 | 719897 | -0.09773549339623351 | 797878 | 0 | 0 | 858345 | 2159115 | -0.02291214597159401 | 2209745
Bénéfice (perte) net | 270862 | -0.37452343730155246 | 433049 | 176216 | -0.5175283926009484 | 365236 | 194737 | -0.28630643045100385 | 272858 | 0 | 0 | 130472 | 641815 | -0.4008129633484978 | 1071143
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 - juin. 24) | (oct. 22- juin 23) | 2023 | 2022 | 2021 | 2020
RATIOS FINANCIERS CLÉS
(Données trimestrielles
et cumulatives annualisées)
Avoir des actionnaires
en % de l'actif | 0.1067517633540369 | 0.08959685923254061 | 0.10327786066000082 | 0.08747869856439339 | 0.10009885366620547 | 0.09978227045116424 | 0 | 0.10552232340795924 | 0.10009885366620547 | 0.09978227045116424 | 0.10552232340795924 | 0.10227315077505414 | 0.10359921313727577 | 0.13037541849237627
Dépôts en % de l'actif | 0.7795892896427195 | 0.8077861760532389 | 0.7489719368890932 | 0.8118237044751349 | 0.7752688165007219 | 0.7888599593290305 | 0 | 0.7804088112639681 | 0.7752688165007219 | 0.7888599593290305 | 0.7804088112639681 | 0.8088959423226253 | 0.7960846586962368 | 0.7838680058422708
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.02045395965346086 | 0.010414763184881319 | 0.03351871770823906 | 0.00929524304259444 | 0.027223365784246886 | 0.014219931841530102 | 0 | 0.0074986244129951725 | 0.027223365784246886 | 0.014219931841530102 | 0.0074986244129951725 | 0.006870518254882838 | 0.004266541929389752 | 0.007614790344608182
Provisions pour créances douteuses
en % des prêts improductifs bruts | 1.7376903245199256 | 2.689859518248684 | 1.0259087661616173 | 3.0377385489976714 | 1.2016308399129814 | 2.3117142930236128 | 0 | 4.463129196748624 | 1.2016308399129814 | 2.3117142930236128 | 4.463129196748624 | 3.231813411536236 | 4.266213712168005 | 4.6709410548086865
Prêts improductifs nets
en % de l'avoir des actionnaires | -0.035507061290970594 | -0.061476815731666516 | -0.002002076117667348 | -0.06585787978602485 | -0.012740848349124893 | -0.050927395564949476 | 0 | -0.06640980872551512 | -0.012740848349124893 | -0.050927395564949476 | -0.06640980872551512 | -0.048604081650089656 | -0.04199030095910973 | -0.06755074569100036
Rentabilité
ROA (rendement de l'actif) | 0.021790185338091402 | 0.03514215386052373 | 0.013694438375202168 | 0.02726025494390717 | 0.014922157078007517 | 0.020823150849097558 | 0 | 0.010501647402069332 | 0.016961807575842838 | 0.029684081670347754 | 0.025372424256520285 | 0.028301767134140763 | 0.031499650789018965 | 0.03708833677721373
ROE (rendement avoir des action.) | 0.20528370869118392 | 0.3680460030944662 | 0.13044544796808671 | 0.30794810590954197 | 0.14673350173963332 | 0.2229461757241938 | 0 | 0.10234650294510354 | 0.16511146709062638 | 0.29399720897758863 | 0.24407819179642637 | 0.27508870963298454 | 0.2754054352069889 | 0.33232252197036666
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.7914204651850779 | 0.8255572474618768 | 0.7851814802168048 | 0.82591431719087 | 0.7754228842499701 | 0.8262652575171182 | 0 | 0.8120769844981407 | 0.7841551104262968 | 0.82591954152798 | 0.8223966371902904 | 0.7993268773615595 | 0.7860901596732269 | 0.7121990318744932
Rendement moyen des prêts | 0.16563764461589256 | 0.14760224398534552 | 0.16247821022740816 | 0.13758007705058187 | 0.16147974782511643 | 0.1560444293607202 | 0 | 0.16937784865563657 | 0.16277242725702554 | 0.16214968189503234 | 0.16463297582703698 | 0.14536228814988364 | 0.15817093593204473 | 0.17517687234157814
Rendement moyen des prêts productifs | 0.16796327791730875 | 0.14890335385751055 | 0.16697556768369798 | 0.1389493928754054 | 0.16654675961391596 | 0.15786465598874846 | 0 | 0.17124896307914653 | 0.1655736889169301 | 0.16385449134304156 | 0.1658212992370864 | 0.14619540671723333 | 0.15906512222369967 | 0.1765311040190458
Rémunération moyenne des dépôts | 0.013671056561882179 | 0.011064381347732246 | 0.013630691602525438 | 0.010340124932078214 | 0.013595533970458915 | 0.01112314096858599 | 0 | 0.012818878047372598 | 0.013651526553917949 | 0.011770836106102139 | 0.012338974989837543 | 0.012266024250557107 | 0.013981043459199304 | 0.023385415843127966
Dépenses d'exploitation
en % du produit net bancaire | 0.6339644583543232 | 0.4822183503827003 | 0.7204634661388423 | 0.5945692423581652 | 0.7054030828565465 | 0.6792173674685155 | 0 | 0.7948463173958781 | 0.6848695661000326 | 0.5801792619478209 | 0.6275988950655973 | 0.5830335656071177 | 0.6041727397791697 | 0.583526490831943
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 6130.52977412731 | 6779.634567901235 | 5509.975510204082 | 6235.599505562423 | 5535.1701694915255 | 6031.8459563543 | 0 | 5809.753866845998 | 5734.593906321054 | 6355.824780976221 | 8537.203230735648 | 5034.915632754342 | 3980.501262626263 | 4014.313700384123
[capitalbkvar]
CAPITAL BANK (CAPITALBK)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.juin. 24 | 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 | -0.11327635327635327 | 1595105 | 0.03663708658677642 | 1653545 | 0 | 0 | -0.17608401671405238 | 2006934 | 0.6036946119842358 | 1251444 | 0.05776062520127089 | 1183107 | -0.023615958432744118 | 1211723
Avoirs à la BRH | 18141623 | 0.11956229054037779 | 20310677 | 0.010058699668159756 | 20514976 | 0 | 0 | 0.14594886632204557 | 17902174 | 0.013660043287653393 | 17660925 | 0.26996385035173137 | 13906636 | 0.43938520589584795 | 9661511
Avoirs à l'étranger | 7688795 | 0 | 8761145 | 0 | 8504419 | 0 | 0 | 0.23316359318974586 | 6896424 | 0.39151706995514773 | 4956047 | -0.16414665005769627 | 5929326 | 0.6611487659175332 | 3569413
Avoirs dans les banques locales | 89365 | 0 | 21676 | 0 | 38085 | 0 | 0 | -0.18524302584288893 | 46744 | 0.1998254575322775 | 38959 | -0.35693181255467704 | 60583 | 4.275426680599095 | 11484
Autres liquidités | 310152 | -0.40203513116149503 | 185460 | 0.568478378086919 | 290890 | 0 | 0 | -0.3535763412807584 | 449999 | 1.0439820492555347 | 220158 | -0.1725125537480831 | 266056 | 0.792491982644784 | 148428
28028810 | 0.10151173025183731 | 30874063 | 0.004141081139855159 | 31001915 | 0 | 0 | 0.135506656496574 | 27302275 | 0.13158170791850124 | 24127533 | 0.13032245170785622 | 21345708 | 0.46177858278127826 | 14602559
Bons B.R.H. | 850000 | 0 | 0 | 0 | 250000 | 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 | 0
Autres Placements | 5572471 | -0.06264940634056239 | 5223359 | -0.027891630653761306 | 5077671 | 0 | 0 | -0.0013427087590554662 | 5084498 | 0.08714690162476622 | 4676919 | 0.3435743027843237 | 3480953 | 0.41816572188909884 | 2454546
Portefeuille net | 12235675 | -0.014650192980771392 | 12056420 | -0.03139016391267059 | 11677967 | 0 | 0 | -0.0851632535409288 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831 | 0.4975784283343544 | 7960739
Immobilisations | 1681087 | 0.051881907361130034 | 1768305 | 0.020479498729008852 | 1804519 | 0 | 0 | 0.11027167375768707 | 1625295 | 0.17732684484417194 | 1380496 | 0.1980206783914801 | 1152314 | 0.3935096110241077 | 826915
Autres actifs | 2133727 | 0.17996679050318995 | 2517727 | -0.14622117489306824 | 2149582 | 0 | 0 | 0.33121742140728994 | 1614749 | 0.49367056993083647 | 1081061 | 0.27487517305955134 | 847974 | 1.3910636894003265 | 354643
50501770 | 0.038376951936536084 | 52439874 | -0.009119396434857948 | 51961654 | 0 | 0 | 0.0617007921637697 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 | 0.4847201474293192 | 26199402
PASSIF | 0
Dépôts
À vue | 18220081 | -0.015578141502224935 | 17936246 | 0.0519922061729082 | 18868791 | 0 | 0 | 0.06884099962919547 | 17653506 | 0.0008623849414016491 | 17638295 | 0.2193429014455864 | 14465410 | 0.7091304323168086 | 8463608
Épargne | 10773995 | 0.020764442530370582 | 10997711 | 0.008737090836447694 | 11093799 | 0 | 0 | 0.04115606643473136 | 10655270 | 0.1300746010635477 | 9428820 | 0.2742180720789557 | 7399691 | 0.5216271314979276 | 4863012
À terme | 10376563 | -0.003327305968267142 | 10342037 | -0.0019703081704310283 | 10321660 | 0 | 0 | 0.04407746213450774 | 9885914 | -0.007551647969503883 | 9961137 | 0.09443548572281794 | 9101621 | 0.2623164540828179 | 7210253
39370639 | -0.002403948790366344 | 39275994 | 0.02567104985299672 | 40284250 | 0 | 0 | 0.05470812827646984 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722 | 0.5078596434812641 | 20536873
Obligations à vue
Banques locales | 650000 | 0 | 650000 | 0 | 650000 | 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
Autres | 2946690 | 0.4845687873512314 | 4374564 | -0.22886555094404837 | 3373377 | 0 | 0 | 0.3495996661784433 | 2499539 | 0.45143811784599375 | 1722112 | 0.2799628968686057 | 1345439 | 0.5299545825667105 | 879398
3596690 | 0.3969966830613703 | 5024564 | -0.19925848292508563 | 4023377 | 0 | 0 | 0.2774494934020503 | 3149539 | 0.5575492356506464 | 2022112 | 0.22891945553739762 | 1645439 | 0.8710970459336955 | 879398
Obligations à terme
Banques locales | 418290 | 0 | 401521 | 0 | 384753 | 0 | 0 | -0.11562826105944495 | 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 | 0.8627685792634247 | 107329 | 0.5301735784363965 | 164232 | 0 | 0 | -0.409069483774166 | 277921 | 2.4908120329083716 | 79615 | -0.6055206790108164 | 201823 | 1.4073835510228425 | 83835
475908 | 0.06921926086554545 | 508850 | 0.07887393141397268 | 548985 | 0 | 0 | -0.23001238465649057 | 712979 | 0.22535932615282553 | 581853 | -0.2453532755662253 | 771027 | 0.09058158070799038 | 706987
Autres passifs | 1667380 | 0.3281843371037196 | 2214588 | -0.1403638058185089 | 1903740 | 0 | 0 | 0.10667823876937314 | 1720229 | 0.176318258405453 | 1462384 | -0.015699575085026746 | 1485709 | 1.249758474589104 | 660386
45110617 | 0.04241527000173817 | 47023996 | -0.005606584348977913 | 46760352 | 0 | 0 | 0.06813818268986373 | 43777437 | 0.06528439100795747 | 41094601 | 0.1785460549555095 | 34868897 | 0.5304354737986601 | 22783644
AVOIR DES ACTIONNAIRES
Capital versé | 2025000 | 0 | 2025000 | 0 | 2025000 | 0 | 0 | 0 | 2025000 | 0 | 2025000 | 1.5 | 810000 | 0 | 810000
Réserves | 554644 | 0.18753831286374684 | 658661 | 0 | 658661 | 0 | 0 | 0.18753831286374684 | 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 | 1384 | 0 | 1384 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384
BNR | 2810125 | -0.028216538410213068 | 2730833 | -0.07857529186149427 | 2516257 | 0 | 0 | -0.026003363738588352 | 2583435 | 0.16743420562090672 | 2212917 | -0.15299030897301294 | 2612623 | 0.16636725736015637 | 2239966
5391153 | 0.004586217456636827 | 5415878 | -0.03961979941202516 | 5201302 | 0 | 0 | 0.007133171444930479 | 5164463 | 0.10312056449761144 | 4681685 | 0.16174216472289643 | 4029883 | 0.17979171826575535 | 3415758
50501770 | 0.038376951936536084 | 52439874 | -0.009119396434857948 | 51961654 | 0 | 0 | 0.0617007921637697 | 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 | 203608 | 137243 | 0 | 274169 | 323187 | 240645 | 244796
Portefeuille brut | 12686590 | -0.01582931268370776 | 12485770 | -0.03306716365910953 | 12072901 | 0 | 0 | -0.08587721336624596 | 13207089 | -0.11002142012453955 | 14839783 | 0.22209999213529272 | 12142855 | 0.47108893500878507 | 8254331
Provisions pour créances douteuses | 450915 | -0.04782497810008538 | 429350 | -0.08015837894491673 | 394934 | 0 | 0 | -0.10649629190553975 | 442006 | 0.3414201865823384 | 329506 | 0.4908154770522658 | 221024 | -0.24717294749175728 | 293592
Portefeuille de crédit improductif | 259491 | 0.6127996732063925 | 418507 | -0.21467263391054392 | 328665 | 0 | 0 | 2.3186752158327866 | 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 | 1595105 | 0.03041778857058276 | 1653545 | 0.0318224088863684 | 0 | 0 | 2006934 | 0.041006458678555596 | 1251444 | 0.027338259814262782 | 1183107 | 0.030415015586607086 | 1211723 | 0.04625002509599265
Avoirs à la BRH | 18141623 | 0.3592274686609994 | 20310677 | 0.38731361177564994 | 20514976 | 0.39480991117026415 | 0 | 0 | 17902174 | 0.3657842053536949 | 17660925 | 0.38580947785934405 | 13906636 | 0.35750828175073873 | 9661511 | 0.36876837875917934
Avoirs à l'étranger | 7688795 | 0.15224803011854832 | 8761145 | 0.1670702908248788 | 8504419 | 0.16366721120925057 | 0 | 0 | 6896424 | 0.14091042644441676 | 4956047 | 0.10826669074900484 | 5929326 | 0.15242961347373876 | 3569413 | 0.13624024701021803
Avoirs dans les banques locales | 89365 | 0.0017695419388270945 | 21676 | 0.000413349582037516 | 38085 | 0.0007329443362214759 | 0 | 0 | 46744 | 0.0009550916494864319 | 38959 | 0.0008510738507706807 | 60583 | 0.001557452444523967 | 11484 | 0.0004383306153323652
Autres liquidités | 310152 | 0.006141408509048297 | 185460 | 0.003536621769915008 | 290890 | 0.005598166678835897 | 0 | 0 | 449999 | 0.009194555176648229 | 220158 | 0.004809433425857222 | 266056 | 0.0068397003710656224 | 148428 | 0.005665320147383517
28028810 | 0.5550064878914145 | 30874063 | 0.588751662523064 | 31001915 | 0.5966306422809404 | 0 | 0 | 27302275 | 0.5578507373028019 | 24127533 | 0.5270749356992396 | 21345708 | 0.5487500636266741 | 14602559 | 0.5573623016281058
Bons B.R.H. | 850000 | 0.016831093246830756 | 0 | 0 | 250000 | 0.004811240227264513 | 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 | 5223359 | 0.09960662758266735 | 5077671 | 0.0977195799040577 | 0 | 0 | 5084498 | 0.1038884473222331 | 4676919 | 0.10216903573173236 | 3480953 | 0.08948745950387132 | 2454546 | 0.09368710018648517
Portefeuille net | 12235675 | 0.24228210219166577 | 12056420 | 0.22990940062136686 | 11677967 | 0.22474201841226993 | 0 | 0 | 12765083 | 0.2608211573314481 | 14510277 | 0.3169824000138412 | 11921831 | 0.3064834167035573 | 7960739 | 0.303851935246461
Immobilisations | 1681087 | 0.03328768476827644 | 1768305 | 0.033720618779518804 | 1804519 | 0.03472789761465253 | 0 | 0 | 1625295 | 0.03320866169887152 | 1380496 | 0.030157448771619435 | 1152314 | 0.02962339692915819 | 826915 | 0.031562361614207834
Autres actifs | 2133727 | 0.042250538941506405 | 2517727 | 0.048011690493382955 | 2149582 | 0.041368621560814826 | 0 | 0 | 1614749 | 0.03299318171137614 | 1081061 | 0.023616179783567413 | 847974 | 0.02179950116687464 | 354643 | 0.01353630132474016
50501770 | 1 | 52439874 | 1 | 51961654 | 1 | 0 | 0 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1 | 26199402 | 1
PASSIF
Dépôts
À vue | 18220081 | 0.36078103797154043 | 17936246 | 0.3420344984047826 | 18868791 | 0.3631291451961864 | 0 | 0 | 17653506 | 0.3607033237369207 | 17638295 | 0.3853151170892283 | 14465410 | 0.3718731024469148 | 8463608 | 0.3230458466189419
Épargne | 10773995 | 0.21333895821869214 | 10997711 | 0.20972039330224174 | 11093799 | 0.21349972808794732 | 0 | 0 | 10655270 | 0.21771263477715413 | 9428820 | 0.2059760811525863 | 7399691 | 0.19022938508611323 | 4863012 | 0.18561538160298469
À terme | 10376563 | 0.2054692934524869 | 10342037 | 0.1972170451820689 | 10321660 | 0.19863994321658815 | 0 | 0 | 9885914 | 0.20199285274989323 | 9961137 | 0.21760474408081076 | 9101621 | 0.2339821711632087 | 7210253 | 0.2752067776203442
39370639 | 0.7795892896427195 | 39275994 | 0.7489719368890932 | 40284250 | 0.7752688165007219 | 0 | 0 | 38194690 | 0.7804088112639681 | 37028252 | 0.8088959423226253 | 30966722 | 0.7960846586962368 | 20536873 | 0.7838680058422708
Obligations à vue
Banques locales | 650000 | 0.012870836012282342 | 650000 | 0.012395148012750755 | 650000 | 0.012509224590887734 | 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 | 4374564 | 0.08342056657115537 | 3373377 | 0.06492050849651552 | 0 | 0 | 2499539 | 0.051071556273867585 | 1722112 | 0.037620177399276124 | 1345439 | 0.034588205594108606 | 879398 | 0.033565575275344074
3596690 | 0.07121908796463966 | 5024564 | 0.09581571458390613 | 4023377 | 0.07742973308740327 | 0 | 0 | 3149539 | 0.0643526099313676 | 2022112 | 0.04417378902255198 | 1645439 | 0.04230052973383741 | 879398 | 0.033565575275344074
Obligations à terme
Banques locales | 418290 | 0.008282679993196278 | 401521 | 0.00765678803881184 | 384753 | 0.007404556444642813 | 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 | 107329 | 0.002046705909323886 | 164232 | 0.003160638420016422 | 0 | 0 | 277921 | 0.0056785903285324025 | 79615 | 0.0017392192979570251 | 201823 | 0.005188414649508288 | 83835 | 0.0031998821957844687
475908 | 0.009423590499897331 | 508850 | 0.009703493948135727 | 548985 | 0.010565194864659235 | 0 | 0 | 712979 | 0.014567865162570312 | 581853 | 0.012710795279459763 | 771027 | 0.019821367148275603 | 706987 | 0.0269848525550316
Autres passifs | 1667380 | 0.033016268538706664 | 2214588 | 0.042230993918864104 | 1903740 | 0.036637401881010175 | 0 | 0 | 1720229 | 0.03514839023413476 | 1462384 | 0.031946322600308816 | 1485709 | 0.03819423128437447 | 660386 | 0.0252061478349773
45110617 | 0.8932482366459631 | 47023996 | 0.8967221393399992 | 46760352 | 0.9259151114901517 | 0 | 0 | 43777437 | 0.8944776765920408 | 41094601 | 0.8977268492249458 | 34868897 | 0.8964007868627242 | 22783644 | 0.8696245815076237
AVOIR DES ACTIONNAIRES
Capital versé | 2025000 | 0.04009760449980268 | 2025000 | 0.03861565342433889 | 2025000 | 0.03897104584084256 | 0 | 0 | 2025000 | 0.041375590240673124 | 2025000 | 0.04423687845711205 | 810000 | 0.02082327517726777 | 810000 | 0.030916736191154287
Réserves | 554644 | 0.010982664567994349 | 658661 | 0.012560308592656038 | 658661 | 0.012675905197321086 | 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 | 1384 | 2.6392130537918532e-05 | 1384 | 2.6635025898136346e-05 | 0 | 0 | 1384 | 2.827842809535388e-05 | 1384 | 3.02339949553793e-05 | 1384 | 3.5579522031282215e-05 | 1384 | 5.282563319575004e-05
BNR | 2810125 | 0.05564408930617679 | 2730833 | 0.05207550651246797 | 2516257 | 0.04842526760214369 | 0 | 0 | 2583435 | 0.05278575208563623 | 2212917 | 0.048341995241815816 | 2612623 | 0.06716465143636896 | 2239966 | 0.08549683691253716
5391153 | 0.1067517633540369 | 5415878 | 0.10327786066000082 | 5201302 | 0.10009885366620547 | 0 | 0 | 5164463 | 0.10552232340795924 | 4681685 | 0.10227315077505414 | 4029883 | 0.10359921313727577 | 3415758 | 0.13037541849237627
50501770 | 1 | 52439874 | 1 | 51961654 | 1 | 0 | 0 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1 | 26199402 | 1
[capitalbkgdes&$]
CAPITAL BANK (CAPITALBK)
BILAN
DEVISES ET GOURDES
(En milliers de gourdes)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 349837 | 1303708 | 1653545 | 0.21156787387098627 | 426809 | 1580125 | 2006934 | 0.21266718287696557
Avoirs à la BRH | 14366230 | 6148746 | 20514976 | 0.7002801270642481 | 13892825 | 4009349 | 17902174 | 0.7760412227028963
Avoirs à l'étranger | 8504419 | 0 | 8504419 | 1 | 6896424 | 0 | 6896424 | 1
Avoirs dans les banques locales | 802 | 37283 | 38085 | 0.021058159380333466 | 1039 | 45705 | 46744 | 0.022227451651548862
Autres liquidités | 171832 | 119058 | 290890 | 0.5907112654267936 | 183393 | 266606 | 449999 | 0.407540905646457
23393120 | 7608795 | 31001915 | 0.7545701612303627 | 21400490 | 5901785 | 27302275 | 0.783835412982984
Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 550000 | 550000 | 0
Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres Placements | 2933228 | 2394443 | 5327671 | 0.5505647777424695 | 2909027 | 2175471 | 5084498 | 0.572136521638911
Portefeuille net | 6766029 | 4911938 | 11677967 | 0.5793841513681277 | 7415155 | 5349928 | 12765083 | 0.5808935985766799
Immobilisations | 0 | 1804519 | 1804519 | 0 | 0 | 1625295 | 1625295 | 0
Autres actifs | 348610 | 1800972 | 2149582 | 0.1621757160229291 | 290034 | 1324715 | 1614749 | 0.1796155315779728
33440987 | 18520667 | 51961654 | 0.6435704875753185 | 32014706 | 16927194 | 48941900 | 0.6541369664847503
PASSIF
Dépôts
À vue | 14700341 | 4168450 | 18868791 | 0.7790822952037574 | 13632167 | 4021339 | 17653506 | 0.7722073451018738
Épargne | 7867247 | 3226552 | 11093799 | 0.7091571606804846 | 7738003 | 2917267 | 10655270 | 0.7262136951949598
À terme | 8105149 | 2216511 | 10321660 | 0.7852563444252184 | 7957068 | 1928846 | 9885914 | 0.8048894619152058
30672737 | 9611513 | 40284250 | 0.7614076717327491 | 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 | 1505238 | 1868139 | 3373377 | 0.44621102236720056 | 1369124 | 1130415 | 2499539 | 0.547750605211601
1505238 | 2518139 | 4023377 | 0.3741230314733121 | 1369124 | 1780415 | 3149539 | 0.43470615858384354
Obligations à terme
Banques locales | 0 | 384753 | 384753 | 0 | 0 | 435058 | 435058 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0 | 164232 | 164232 | 0 | 0 | 277921 | 277921 | 0
0 | 548985 | 548985 | 0 | 0 | 712979 | 712979 | 0
Autres passifs | 1287034 | 616706 | 1903740 | 0.6760555538046161 | 1300164 | 420065 | 1720229 | 0.7558086743102227
33465009 | 13295343 | 46760352 | 0.7156705963205752 | 31996526 | 11780911 | 43777437 | 0.7308908011220483
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 2025000 | 2025000 | 0
Réserves | 0 | 658661 | 658661 | 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 | 2516257 | 2516257 | 0 | 0 | 2583435 | 2583435 | 0
0 | 5201302 | 5201302 | 0 | 0 | 5164463 | 5164463 | 0
33465009 | 18496645 | 51961654 | 0.6440327900262759 | 31996526 | 16945374 | 48941900 | 0.6537655056301451
*Converties au taux de 132.0563 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 | -0.04639997314039181 | 511245 | -0.030374869191874737 | 495716 | 0 | 0 | 578721 | -0.017379704555390247 | 568663 | 0.03877340357997619 | 590712 | -0.03400641937187665 | 570624
Intérêts sur Bons B.R.H. | 9439 | 0 | 5139 | 0 | 4187 | 0 | 0 | 6360 | 1.6147798742138364 | 16630 | -0.8229705351773903 | 2944 | 0.11820652173913043 | 3292
Autres | 89929 | 0.19430884364331863 | 107403 | -0.04888131616435295 | 102153 | 0 | 0 | 46685 | 0.2675805933383314 | 59177 | 0.3205130371597073 | 78144 | 0.16580927518427518 | 91101
635489 | -0.018414166098862452 | 623787 | -0.03483721206116831 | 602056 | 0 | 0 | 631766 | 0.020108711136718343 | 644470 | 0.04240693903517619 | 671800 | -0.010096754986603156 | 665017
Dépenses d'intérêt | 132550 | 0.01094681252357601 | 134001 | 0.009007395467198006 | 135208 | 0 | 0 | 110207 | 0.018020633898028257 | 112193 | 0.040305544909218935 | 116715 | 0.07074497708092362 | 124972
502939 | -0.02615227691628607 | 489786 | -0.046832698362141836 | 466848 | 0 | 0 | 521559 | 0.020549928196043017 | 532277 | 0.042849869522823644 | 555085 | -0.02709494942216057 | 540045
AUTRES REVENUS
Commissions | 321562 | -0.17930912234654592 | 263903 | 0.0896920459411223 | 287573 | 0 | 0 | 265264 | 0.12901109837746547 | 299486 | 0.0457316869569863 | 313182 | -0.1054913756218429 | 280144
Gains sur change | 181114 | -0.1900460483452411 | 146694 | -0.10236274148908613 | 131678 | 0 | 0 | 264640 | -0.15282648125755743 | 224196 | -0.05144159574657889 | 212663 | -0.32056822296309184 | 144490
Autres | 113973 | -0.016653066954454124 | 112075 | 0.19962525094802588 | 134448 | 0 | 0 | 321413 | -0.36159707292486615 | 205191 | -0.543001398696824 | 93772 | 0.22860768672951415 | 115209
616649 | -0.15239950117489853 | 522672 | 0.059362276915541676 | 553699 | 0 | 0 | 851317 | -0.143828914493661 | 728873 | -0.1498971700145293 | 619617 | -0.12874727452603785 | 539843
PRODUIT NET BANCAIRE | 1119588 | -0.09568698485514314 | 1012458 | 0.00798946721740556 | 1020547 | 0 | 0 | 1372876 | -0.08138098415297522 | 1261150 | -0.06854696110692622 | 1174702 | -0.08071323620799148 | 1079888
Dotation à la provisions pour créances douteuses | 61050 | -0.13737919737919738 | 52663 | -0.14349733209274063 | 45106 | 0 | 0 | 138550 | -0.7460483579935041 | 35185 | -0.21557481881483587 | 27600 | 0.8082971014492754 | 49909
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1058538 | -0.0932824329405274 | 959795 | 0.016301397694299304 | 975441 | 0 | 0 | 1234326 | -0.0067737372460759965 | 1225965 | -0.06432728503668539 | 1147102 | -0.10210338749300411 | 1029979
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 273354 | 0.06911916416075857 | 292248 | -0.0011941912348416414 | 291899 | 0 | 0 | 240731 | 0.08399001374978711 | 260950 | 0.010936961103659704 | 263804 | 0.18594865885278464 | 312858
Frais de locaux | 32469 | 0.4691243955773199 | 47701 | -0.03249407769229157 | 46151 | 0 | 0 | 72907 | 0.18571604921338142 | 86447 | 0.05239048202945157 | 90976 | -0.008046078086528316 | 90244
Amortissement | 33589 | -0.005894786983833993 | 33391 | 0.05869845167859603 | 35351 | 0 | 0 | 28673 | -0.10354689080319464 | 25704 | 0.11959228135698724 | 28778 | 0.08235457641253735 | 31148
Autres dépenses d'exploitation | 370367 | -0.03852395056795017 | 356099 | -0.026967219790002217 | 346496 | 0 | 0 | 319715 | 0.17836197863722378 | 376740 | 0.09975049105483888 | 414320 | 0.0235928750724078 | 424095
709779 | 0.02769876257257541 | 729439 | -0.013081285755217366 | 719897 | 0 | 0 | 662026 | 0.13264584774616103 | 749841 | 0.06406291467124364 | 797878 | 0.07578476910003785 | 858345
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 348759 | -0.33949804879587336 | 230356 | 0.10934379829481325 | 255544 | 0 | 0 | 572300 | -0.16805172112528394 | 476124 | -0.26652720719812484 | 349224 | -0.5085274780656541 | 171634
Impôts sur le revenu | 77897 | -0.304979652618201 | 54140 | 0.1231437015145918 | 60807 | 0 | 0 | 139251 | -0.2036825588326116 | 110888 | -0.3113231368588125 | 76366 | -0.46099049315140245 | 41162
BÉNÉFICE NET | 270862 | -0.34942516853600725 | 176216 | 0.10510396331774641 | 194737 | 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- juin. 24) | 2023 (oct22.- juin. 23) | 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 | 511245 | -0.1009701703821068 | 568663 | 495716 | -0.16081609989301046 | 590712 | 0 | 0 | 570624 | 1543082 | -0.11219978643297034 | 1738096 | 2308720
Intérêts sur Bons B.R.H. | 9439 | 0.4841194968553459 | 6360 | 5139 | -0.6909801563439567 | 16630 | 4187 | 0.42221467391304346 | 2944 | 0 | 0 | 3292 | 18765 | -0.27643248245546387 | 25934 | 29226
Autres | 89929 | 0.9262932419406662 | 46685 | 107403 | 0.8149449955219088 | 59177 | 102153 | 0.30724047911547914 | 78144 | 0 | 0 | 91101 | 299485 | 0.6275827962131669 | 184006 | 275107
635489 | 0.005893004688444772 | 631766 | 623787 | -0.03209303768988471 | 644470 | 602056 | -0.10381661208693063 | 671800 | 0 | 0 | 665017 | 1861332 | -0.04450841770891298 | 1948036 | 2613053
Dépenses d'intérêt | 132550 | 0.20273666826971062 | 110207 | 134001 | 0.19437932847860384 | 112193 | 135208 | 0.15844578674549115 | 116715 | 0 | 0 | 124972 | 401759 | 0.18472789466700087 | 339115 | 464087
502939 | -0.0357006589858482 | 521559 | 489786 | -0.07982873578982372 | 532277 | 466848 | -0.15896124017042434 | 555085 | 0 | 0 | 540045 | 1459573 | -0.09282494292758936 | 1608921 | 2148966
AUTRES REVENUS
Commissions | 321562 | 0.21223385005126968 | 265264 | 263903 | -0.11881356724521347 | 299486 | 287573 | -0.08177034440038061 | 313182 | 0 | 0 | 280144 | 873038 | -0.005574463625884465 | 877932 | 1158076
Gains sur change | 181114 | -0.31562122128174125 | 264640 | 146694 | -0.34568859390890117 | 224196 | 131678 | -0.38081377578610287 | 212663 | 0 | 0 | 144490 | 459486 | -0.3449940769694611 | 701499 | 845989
Autres | 113973 | -0.6454001549408394 | 321413 | 112075 | -0.45380157999132514 | 205191 | 134448 | 0.433775540673122 | 93772 | 0 | 0 | 115209 | 360496 | -0.41890724334919466 | 620376 | 735585
616649 | -0.27565290015352684 | 851317 | 522672 | -0.2829038803742216 | 728873 | 553699 | -0.10638507335983358 | 619617 | 0 | 0 | 539843 | 1693020 | -0.23037793770089832 | 2199807 | 2739650
PRODUIT NET BANCAIRE | 1119588 | -0.18449444815118043 | 1372876 | 1012458 | -0.1971946239543274 | 1261150 | 1020547 | -0.13122902659568128 | 1174702 | 0 | 0 | 1079888 | 3152593 | -0.17227142500068265 | 3808728 | 4888616
Dotation à la provisions pour créances douteuses | 61050 | -0.5593648502345724 | 138550 | 52663 | 0.49674577234617023 | 35185 | 45106 | 0.6342753623188406 | 27600 | 0 | 0 | 49909 | 158819 | -0.2111704373308168 | 201335 | 251244
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1058538 | -0.14241618502729425 | 1234326 | 959795 | -0.21711060266810228 | 1225965 | 975441 | -0.1496475466000408 | 1147102 | 0 | 0 | 1029979 | 2993774 | -0.17010040214636996 | 3607393 | 4637372
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 273354 | 0.1355164062792079 | 240731 | 292248 | 0.11993868557194864 | 260950 | 291899 | 0.10649952237267062 | 263804 | 0 | 0 | 312858 | 857501 | 0.12020614381731844 | 765485 | 1078343
Frais de locaux | 32469 | -0.5546518166979851 | 72907 | 47701 | -0.44820525871343136 | 86447 | 46151 | -0.49271236370031657 | 90976 | 0 | 0 | 90244 | 126321 | -0.49538209563376345 | 250330 | 340574
Amortissement | 33589 | 0.17145049349562305 | 28673 | 33391 | 0.2990585122938064 | 25704 | 35351 | 0.2284036416707207 | 28778 | 0 | 0 | 31148 | 102331 | 0.2306054957609284 | 83155 | 114303
Autres dépenses d'exploitation | 370367 | 0.15842860047229565 | 319715 | 356099 | -0.05478844826670914 | 376740 | 346496 | -0.16369955589882218 | 414320 | 0 | 0 | 424095 | 1072962 | -0.034041997704305556 | 1110775 | 1534870
709779 | 0.07213160812415223 | 662026 | 729439 | -0.027208434854855894 | 749841 | 719897 | -0.09773549339623351 | 797878 | 0 | 0 | 858345 | 2159115 | -0.02291214597159401 | 2209745 | 3068090
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 348759 | -0.39060108334789445 | 572300 | 230356 | -0.5161848594063732 | 476124 | 255544 | -0.2682518956314572 | 349224 | 0 | 0 | 171634 | 834659 | -0.402811723695809 | 1397648 | 1569282
Impôts sur le revenu | 77897 | -0.44060006750400355 | 139251 | 54140 | -0.5117596133035135 | 110888 | 60807 | -0.20374250320823403 | 76366 | 0 | 0 | 41162 | 192844 | -0.4093689223748488 | 326505 | 367667
BÉNÉFICE NET | 270862 | -0.37452343730155246 | 433049 | 176216 | -0.5175283926009484 | 365236 | 194737 | -0.28630643045100385 | 272858 | 0 | 0 | 130472 | 641815 | -0.4008129633484978 | 1071143 | 1201615
Com /sal | 1.176357397367516 | 1.101910431145137 | 0.9030104568722455 | 1.1476757999616785 | 0.9851798053436291 | 1.1871768434140497 | #DIV/0! | 0.8954349896758274
[CAPITALBKVARAN ]
CAPITAL BANK (CAPITALBK)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 1543082 | -0.11219978643297034 | 1738096 | 2308720 | 0.1772402529359364 | 1961129 | 0.21573583134805138 | 1613121 | -0.07276549221940183 | 1739712
Intérêts sur Bons B.R.H. | 18765 | -0.27643248245546387 | 25934 | 29226 | 2.3975819576842596 | 8602 | 0.3254237288135593 | 6490 | -0.38617232573536364 | 10573
Autres | 299485 | 0.6275827962131669 | 184006 | 275107 | 1.5391757810697309 | 108345 | 0.7058443807664452 | 63514 | -0.0034831178611773564 | 63736
1861332 | -0.04450841770891298 | 1948036 | 2613053 | 0.25743861148485425 | 2078076 | 0.23465339769773486 | 1683125 | -0.07215792981448396 | 1814021
Dépenses d'intérêt | 401759 | 0.18472789466700087 | 339115 | 464087 | 0.11288110231311178 | 417014 | 0.15825317953432563 | 360037 | -0.3103756725540485 | 522077
1459573 | -0.09282494292758936 | 1608921 | 2148966 | 0.293730155767816 | 1661062 | 0.2554433265209873 | 1323088 | 0.024106308013350425 | 1291944
AUTRES REVENUS
Commissions | 873038 | -0.005574463625884465 | 877932 | 1158076 | 0.24118979204468846 | 933037 | 0.275442217787134 | 731540 | -0.16122515200887919 | 872153
Gains sur change | 459486 | -0.3449940769694611 | 701499 | 845989 | 0.013057353443062683 | 835085 | 0.3146431618751358 | 635218 | 0.6725153897598197 | 379798
Autres | 360496 | -0.41890724334919466 | 620376 | 735585 | 0.16952960293056135 | 628958 | 0.35928905947773015 | 462711 | -0.2174471150919017 | 591284
1693020 | -0.23037793770089832 | 2199807 | 2739650 | 0.1429113755068667 | 2397080 | 0.31025997160924834 | 1829469 | -0.007468391170957583 | 1843235
PRODUIT NET BANCAIRE | 3152593 | -0.17227142500068265 | 3808728 | 4888616 | 0.2046438986117292 | 4058142 | 0.2872541241918861 | 3152557 | 0.005542905205731475 | 3135179
Dotation à la provisions pour créances douteuses | 158819 | -0.2111704373308168 | 201335 | 251244 | 0.32872872661117164 | 189086 | 0.9997884784195108 | 94553 | -0.3132408483439861 | 137680
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 2993774 | -0.17010040214636996 | 3607393 | 4637372 | 0.19857970523042312 | 3869056 | 0.26522267465967997 | 3058004 | 0.020185161029244714 | 2997499
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 857501 | 0.12020614381731844 | 765485 | 1078343 | 0.2510389137289752 | 861958 | 0.20812256734350057 | 713469 | 0.1465198757494484 | 622291
Frais de locaux | 126321 | -0.49538209563376345 | 250330 | 340574 | 0.1562754630887066 | 294544 | 0.1443223670919517 | 257396 | -0.023728247841852138 | 263652
Amortissement | 102331 | 0.2306054957609284 | 83155 | 114303 | 0.18800798220633172 | 96214 | 0.006991396814100014 | 95546 | -0.05017247721014385 | 100593
Autres dépenses d'exploitation | 1072962 | -0.034041997704305556 | 1110775 | 1534870 | 0.37864597414752493 | 1113317 | 0.3280999859235242 | 838278 | -0.005511766185326316 | 842924
2159115 | -0.02291214597159401 | 2209745 | 3068090 | 0.296723249422134 | 2366033 | 0.2422148707741789 | 1904689 | 0.041120877198736236 | 1829460
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 834659 | -0.402811723695809 | 1397648 | 1569282 | 0.0440838230685758 | 1503023 | 0.30321984887043 | 1153315 | -0.01260574347260665 | 1168039
Impôts sur le revenu | 192844 | -0.4093689223748488 | 326505 | 367667 | 0.2062723920261421 | 304796 | 1.3806607826290713 | 128030 | 0.021371987459214526 | 125351
BÉNÉFICE NET | 641815 | -0.4008129633484978 | 1071143 | 1201615 | 0.0028275109808074766 | 1198227 | 0.16867700200432076 | 1025285 | -0.01669051528357476 | 1042688
[cbnainfin]
CITIBANK N.A. (CBNA)
INDIfATEURS FINANfIERS
Var.juin. 24 | 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 | 0.3336878269987909 | 7712578 | -0.3503445929493355 | 5010518 | 0 | 0 | -0.14454529002209268 | 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 | 96667 | -0.4264433570918721 | 55444 | 0 | 0 | -0.4264433570918721 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901
Dépôts | 4204759 | 0.4243986397317896 | 5989253 | -0.36674106103048243 | 3792748 | 0 | 0 | -0.12414383008046496 | 4330332 | 0.05926694562634569 | 4088046 | -0.10085488207430972 | 4546592 | 0.5384432142712126 | 2955320
Avoir des Actionnaires | 593159 | -0.0007569639843616973 | 592710 | 0.04319650419260684 | 618313 | 0 | 0 | 0.10767094820945522 | 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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 19391 | 0.5464550602121381 | 12539 | 20380 | 0.20434936768703463 | 16922 | 20239 | -0.13938852744822894 | 23517 | 0 | 0 | 30392 | 60010 | 0.13273434255728794 | 52978
Autres revenus | 76003 | 0.040239245582579415 | 73063 | 71640 | 0.24305941143808996 | 57632 | 68602 | -0.24239378913540435 | 90551 | 0 | 0 | 79834 | 216245 | -0.022603798486752303 | 221246
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 | 51512 | -0.12522946763508663 | 58886.3 | 51176 | -0.016812324811579363 | 52051.1 | 0 | 0 | 55557.80553 | 164242 | -0.1908426281265077 | 202979.05662000002
Bénéfice (perte) net | 23330 | 4.622863978110687 | -6439.656619999994 | 27925 | 1.181350914331691 | 12801.699999999997 | 25966 | -0.39267779833422606 | 42754.9 | 0 | 0 | 40686.19447 | 77221 | 0.5721865956228 | 49116.94337999998
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 - juin. 24) | (oct. 22- juin 23) | 2023 | 2022 | 2021 | 2020
RATIOS FINANCIERS CLÉS
(Données trimestrielles
et cumulatives annualisées)
Avoir des actionnaires
en % de l'actif | 0.10257127224836829 | 0.07390810975020719 | 0.07684979004426276 | 0.07958603508054185 | 0.12340300942936439 | 0.06866044445417623 | 0 | 0.09530419283131357 | 0.12340300942936439 | 0.06866044445417623 | 0.09530419283131357 | 0.08333174158833513 | 0.07948592365318863 | 0.11160061304732567
Dépôts en % de l'actif | 0.7271026489150073 | 0.7637105138725767 | 0.776556554760289 | 0.7349997851151067 | 0.7569572646979813 | 0.7798765591200982 | 0 | 0.7393253362562616 | 0.7569572646979813 | 0.7798765591200982 | 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 | 0
Rentabilité
ROA (rendement de l'actif) | 0.016034314670504455 | -0.004311778726999967 | 0.01655369792865371 | 0.008328292837236836 | 0.016326843717912685 | 0.02517894695308191 | 0 | 0.024221110469741656 | 0.018948210062063663 | 0.009896156849139165 | 0.015602589496314581 | 0.0009988419942406658 | 0.009096352708335505 | 0.008412710989497203
ROE (rendement avoir des action.) | 0.16210267950587517 | -0.055019873101515536 | 0.18838505770873512 | 0.10861105543412668 | 0.17153101138458973 | 0.3426233728507105 | 0 | 0.3017331960364613 | 0.17502646923746212 | 0.132075401892719 | 0.17447971277912377 | 0.012278570359045997 | 0.09865834630528723 | 0.09764153412958018
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.9644864461576722 | 0.9216464535097391 | 0.9887923924118189 | 0.9378186654843715 | 1 | 0.9653148345784418 | 0 | 0.9759167683514225 | 0.9844967599048479 | 0.9458499223366839 | 0.9565935768131906 | 0.9076769866143347 | 0.9639843695967909 | 0.9649378835503667
Rendement moyen des prêts | 0.24901983096610011 | 0.24893707263078405 | 0.24405433084713501 | 0.24347502249992242 | 0.24997534695058213 | 0.24633018506832735 | 0 | 0.24893707263078405 | 0.29222519519736684 | 0.24624742673301125 | 0.24691983820745445 | 0.20038562638480795 | 0.21806725986208111 | 0.14944610562908586
Rendement moyen des prêts productifs | 0.24901983096610011 | 0.24893707263078405 | 0.24405433084713501 | 0.24347502249992242 | 0.24997534695058213 | 0.24633018506832735 | 0 | 0.24893707263078405 | 0.29222519519736684 | 0.24624742673301125 | 0.24691983820745445 | 0.20038562638480795 | 0.21806725986208111 | 0.14944610562908586
Rémunération moyenne des dépôts | 0.0006692371528317625 | 0.000958769968284591 | 0.00018128289431089544 | 0.0009736366402376819 | 0 | 0.0006547407004059586 | 0 | 0.0005857848183905973 | 0.00031022715521698667 | 0.0008087690241463751 | 0.0008987479535844078 | 0.0007300827203178639 | 0.0005553250957889135 | 0.0007479361910118877
Dépenses d'exploitation
en % du produit net bancaire | 0.6452607082206429 | 1.0752278757505664 | 0.5597913497065855 | 0.7898476272232208 | 0.5760403417341092 | 0.4563164077567766 | 0 | 0.5040353957324043 | 0.5945304157390816 | 0.7401943543234728 | 0.6724850101443621 | 0.9954206864714064 | 0.8148668377746718 | 0.8389449896326516
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 23125.81818181818 | 16305.142857142857 | 25384.827586206895 | 14910.8 | 27335.69230769231 | 24014.315789473683 | 0 | 25194.514285714286 | 24556 | 17411.04761904762 | 26287.17948717949 | 13348.217391304348 | 14206.88 | 14047.6
[cbnavar]
CITIBANK N.A. (CBNA)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.juin. 24 | 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 | 156 | -0.5897435897435898 | 64 | 0 | 0 | -0.5974842767295597 | 159 | -0.9886217260626878 | 13974 | -0.7877936553734947 | 65851 | -0.20679603464267216 | 83019
Avoirs à la BRH | 4942349 | 0.15378031782053433 | 5702385 | -0.3304610263950961 | 3817969 | 0 | 0 | -0.2100302148309031 | 4833057 | 0.2199600065831123 | 3961652 | -0.04769949467390818 | 4160086 | 0.7447119753967145 | 2384397
Avoirs à l'étranger | 423742 | 2.8842031235987937 | 1645900 | -0.4640263685521599 | 882159 | 0 | 0 | 0.45618129986150613 | 605803 | -0.47939727943887245 | 1163657 | -0.067155725897025 | 1247429 | 0.6604026988570189 | 751281
Avoirs dans les banques locales | 4422 | -1 | 0 | 0 | 0 | 0 | -1 | 4538 | 0 | 0 | 0 | 0 | 0 | 0
Autres liquidités | 12221 | -1 | 0 | 0 | 0 | 0 | -1 | 7881 | -0.9371696443519648 | 125433 | 0.8844819038175508 | 66561 | 0.3598030603280966 | 48949
5382890 | 0.36514790382118156 | 7348441 | -0.36038242669431514 | 4700192 | 0 | 0 | -0.1378069419481612 | 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 | 96667 | -0.4264433570918721 | 55444 | 0 | 0 | -0.4264433570918721 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 | -0.4981905772044346 | 347901
Immobilisations | 250673 | -0.012482397386236252 | 247544 | -0.010499143586594706 | 244945 | 0 | 0 | -0.061459470850815184 | 260985 | -0.014641531659763727 | 264863 | -0.03324086578822499 | 273970 | -0.058227830696197094 | 290909
Autres actifs | 52666 | -0.6216534386511222 | 19926 | -0.5013048278630935 | 9937 | 0 | 0 | -0.7931945889698231 | 48050 | 0.7206187781995274 | 27926 | -0.144738453999755 | 32652 | -0.1781938991241317 | 39732
5782896 | 0.3336878269987909 | 7712578 | -0.3503445929493355 | 5010518 | 0 | 0 | -0.14454529002209268 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129 | 0.5258089579107736 | 3946188
PASSIF
Dépôts
À vue | 3653200 | 0.487590058031315 | 5434464 | -0.302910093801339 | 3788310 | 0 | 0 | 0.019132457815592474 | 3717191 | 0.11021771932318727 | 3348164 | -0.15608382590872188 | 3967413 | 0.5555657933481097 | 2550463
Épargne | 547131 | 0.005901694475363304 | 550360 | -0.9999836470673741 | 9 | 0 | 0 | -0.9999852147313846 | 608714 | -0.17233343032504916 | 735458 | 0.2795959342888659 | 574758 | 0.4347428856714928 | 400600
À terme | 4428 | 0.00022583559168925022 | 4429 | 0 | 4429 | 0 | 0 | 0.00045177320984865596 | 4427 | 0.000678119349005425 | 4424 | 0.0006785795068988917 | 4421 | 0.03852478271082922 | 4257
4204759 | 0.4243986397317896 | 5989253 | -0.36674106103048243 | 3792748 | 0 | 0 | -0.12414383008046496 | 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 | 0.18228861517025566 | 1035206 | -0.5269183138428487 | 489737 | 0 | 0 | -0.4268690008355822 | 854494 | -0.15584604183358047 | 1012249 | 0.11901537604370603 | 904589 | 0.9166239379621586 | 471970
875595 | 0.18228861517025566 | 1035206 | -0.5269183138428487 | 489737 | 0 | 0 | -0.4268690008355822 | 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 | -0.12775294149913607 | 95409 | 0.14999633158297435 | 109720 | 0 | 0 | -0.03842108953235645 | 114104 | 0.3796505652620761 | 82705 | -0.09466574715663416 | 91353 | 0.1637176596476478 | 78501
109383 | -0.12775294149913607 | 95409 | 0.14999633158297435 | 109720 | 0 | 0 | -0.03842108953235645 | 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 | 0.37191306611491104 | 7119868 | -0.38310583847902796 | 4392205 | 0 | 0 | -0.1711147344841317 | 5298930 | 0.022367354813814393 | 5183000 | -0.06486816319033857 | 5542534 | 0.5809653228044683 | 3505791
AVOIR DES ACTIONNAIRES
Capital versé | 103837 | 0.2840605949709641 | 133333 | 0 | 133333 | 0 | 0 | 0.2840605949709641 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837
Réserves | 59288 | 0.24875185535015518 | 74036 | 0 | 74036 | 0 | 0 | 0.24875185535015518 | 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 | -0.10392899166112447 | 385341 | 0.0664424496744442 | 410944 | 0 | 0 | 0.040140729210169965 | 395085 | 0.28254779303158284 | 308047 | -0.02352997115415095 | 315470 | 0.13776364003577715 | 277272
593159 | -0.0007569639843616973 | 592710 | 0.04319650419260684 | 618313 | 0 | 0 | 0.10767094820945522 | 558210 | 0.18472659665684718 | 471172 | -0.0155099823441532 | 478595 | 0.08673537739812033 | 440397
5782896 | 0.3336878269987909 | 7712578 | -0.3503445929493355 | 5010518 | 0 | 0 | -0.14454529002209268 | 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 | 96667 | -0.4264433570918721 | 55444 | 0 | 0 | -0.4264433570918721 | 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 | 156 | 2.0226699814251472e-05 | 64 | 1.2773130442800526e-05 | 0 | 0 | 159 | 2.714635470553888e-05 | 13974 | 0.002471449400548834 | 65851 | 0.010936653242273999 | 83019 | 0.021037771135080235
Avoirs à la BRH | 4942349 | 0.854649469746646 | 5702385 | 0.7393617283351948 | 3817969 | 0.7619908759932605 | 0 | 0 | 4833057 | 0.8251564756860857 | 3961652 | 0.7006599728483676 | 4160086 | 0.6909146108645073 | 2384397 | 0.6042279283196847
Avoirs à l'étranger | 423742 | 0.07327505111625732 | 1645900 | 0.2134046488735673 | 882159 | 0.17606143716078856 | 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 | 7348441 | 0.9527866039085764 | 4700192 | 0.9380650862844919 | 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 | 96667 | 0.012533681993232354 | 55444 | 0.011065522566728629 | 0 | 0 | 96667 | 0.016504130002014634 | 96667 | 0.017096579304626745 | 174580 | 0.02899456231547273 | 347901 | 0.08816128375029268
Immobilisations | 250673 | 0.04334731248841411 | 247544 | 0.03209614217191709 | 244945 | 0.04888616306737148 | 0 | 0 | 260985 | 0.04455843636996896 | 264863 | 0.04684381727333374 | 273970 | 0.04550143336905753 | 290909 | 0.07371899159391292
Autres actifs | 52666 | 0.009107201651214201 | 19926 | 0.0025835719262741978 | 9937 | 0.0019832280814079503 | 0 | 0 | 48050 | 0.00820366253837197 | 27926 | 0.004939007868879829 | 32652 | 0.005422903246218442 | 39732 | 0.01006845086954803
5782896 | 1 | 7712578 | 1 | 5010518 | 1 | 0 | 0 | 5857140 | 1 | 5654172 | 1 | 6021129 | 1 | 3946188 | 1
PASSIF
Dépôts
À vue | 3653200 | 0.6317250042193392 | 5434464 | 0.7046235383292072 | 3788310 | 0.7560715279338384 | 0 | 0 | 3717191 | 0.6346426754354514 | 3348164 | 0.5921581444639463 | 3967413 | 0.6589151303684077 | 2550463 | 0.6463105660450035
Épargne | 547131 | 0.09461193837827968 | 550360 | 0.07135875967802206 | 9 | 1.7962214685188238e-06 | 0 | 0 | 608714 | 0.1039268311838201 | 735458 | 0.1300735103212283 | 574758 | 0.09545684870727732 | 400600 | 0.101515690585446
À terme | 4428 | 0.0007657063173883812 | 4429 | 0.0005742567530597422 | 4429 | 0.0008839405426744301 | 0 | 0 | 4427 | 0.0007558296369900668 | 4424 | 0.0007824310968962387 | 4421 | 0.0007342476801277634 | 4257 | 0.0010787625931658602
4204759 | 0.7271026489150073 | 5989253 | 0.776556554760289 | 3792748 | 0.7569572646979813 | 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 | 1035206 | 0.13422308338405134 | 489737 | 0.09774179036977813 | 0 | 0 | 854494 | 0.14588929067770276 | 1012249 | 0.1790269202988519 | 904589 | 0.15023577804096208 | 471970 | 0.119601498965584
875595 | 0.151411161466504 | 1035206 | 0.13422308338405134 | 489737 | 0.09774179036977813 | 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 | 95409 | 0.012370571811396915 | 109720 | 0.02189793550287615 | 0 | 0 | 114104 | 0.019481180234722065 | 82705 | 0.014627252230742184 | 91353 | 0.015172071550036546 | 78501 | 0.01989286876347503
109383 | 0.018914917370120438 | 95409 | 0.012370571811396915 | 109720 | 0.02189793550287615 | 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 | 7119868 | 0.9231502099557373 | 4392205 | 0.7595165121420133 | 0 | 0 | 5298930 | 0.9046958071686865 | 5183000 | 0.9166682584116649 | 5542534 | 0.9205140763468114 | 3505791 | 0.8883993869526743
AVOIR DES ACTIONNAIRES
Capital versé | 103837 | 0.017955882312253237 | 133333 | 0.017287734399574307 | 133333 | 0.026610621895780038 | 0 | 0 | 103837 | 0.017728276940622897 | 103837 | 0.01836466948653136 | 103837 | 0.017245436860761496 | 103837 | 0.02631324204523454
Réserves | 59288 | 0.01025230265251182 | 74036 | 0.009599384278512322 | 74036 | 0.014776116960362183 | 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 | 385341 | 0.04996267136617613 | 410944 | 0.08201627057322217 | 0 | 0 | 395085 | 0.06745356948954609 | 308047 | 0.05448136349583989 | 315470 | 0.052393828466388945 | 277272 | 0.07026325152273535
593159 | 0.10257127224836829 | 592710 | 0.07684979004426276 | 618313 | 0.12340300942936439 | 0 | 0 | 558210 | 0.09530419283131357 | 471172 | 0.08333174158833513 | 478595 | 0.07948592365318863 | 440397 | 0.11160061304732567
5782896 | 1 | 7712578 | 1 | 5010518 | 1 | 0 | 0 | 5857140 | 1 | 5654172 | 1 | 6021129 | 1 | 3946188 | 1
[cbnagdes&$]
CITIBANK N.A. (CBNA)
BILAN
DEVISES ET GOURDES
(En milliers de gourdes)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 64 | 0 | 64 | 1 | 159 | 0 | 159 | 1
Avoirs à la BRH | 2500245 | 1317724 | 3817969 | 0.6548625722209898 | 3475197 | 1357860 | 4833057 | 0.7190473855367318
Avoirs à l'étranger | 882159 | 0 | 882159 | 1 | 605803 | 0 | 605803 | 1
Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 3551 | 987 | 4538 | 0
Autres liquidités | 0 | 0 | 0 | #DIV/0! | 5353 | 2528 | 7881 | 0.6792285242989469
3382468 | 1317724 | 4700192 | 0.7196446443038923 | 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 | 55444 | 55444 | 0 | 0 | 96667 | 96667 | 0
Immobilisations | 0 | 244945 | 244945 | 0 | 0 | 260985 | 260985 | 0
Autres actifs | 392 | 9545 | 9937 | 0.03944852571198551 | 199 | 47851 | 48050 | 0.004141519250780437
3382860 | 1627658 | 5010518 | 0.6751517507770654 | 4090262 | 1766878 | 5857140 | 0.6983377552867099
PASSIF
Dépôts
À vue | 2995705 | 792605 | 3788310 | 0.7907760980489981 | 2833089 | 884102 | 3717191 | 0.7621585761936903
Épargne | 5 | 4 | 9 | 0.5555555555555556 | 608710 | 4 | 608714 | 0.9999934287695043
À terme | 0 | 4429 | 4429 | 0 | 0 | 4427 | 4427 | 0
2995710 | 797038 | 3792748 | 0.7898521072320123 | 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 | 341328 | 148409 | 489737 | 0.6969618387011804 | 597290 | 257204 | 854494 | 0.6989984716100991
341328 | 148409 | 489737 | 0.6969618387011804 | 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 | 44924 | 64796 | 109720 | 0.4094422165512213 | 51002 | 63102 | 114104 | 0.4469781953305756
44924 | 64796 | 109720 | 0.4094422165512213 | 51002 | 63102 | 114104 | 0.4469781953305756
Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
3381962 | 1010243 | 4392205 | 0.7699918378126704 | 4090091 | 1208839 | 5298930 | 0.7718711136021801
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 133333 | 133333 | 0 | 0 | 103837 | 103837 | 0
Réserves | 0 | 74036 | 74036 | 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 | 410944 | 410944 | 0 | 0 | 395085 | 395085 | 0
0 | 618313 | 618313 | 0 | 0 | 558210 | 558210 | 0
0 | 0
3381962 | 1628556 | 5010518 | 0.6749725277905398 | 4090091 | 1767049 | 5857140 | 0.6983085601505171
*Converties au taux de 132.0563 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 | -0.019940179461615155 | 5898 | -0.1941336046117328 | 4753 | 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 | 0.04443813445020232 | 14713 | 0.05253857133147557 | 15486 | 0 | 0 | 7589 | 0.6023191461325603 | 12160 | 0.5138980263157895 | 18409 | 0.3648758759302515 | 25126
20105 | 0.02516786868938075 | 20611 | -0.01804861481733055 | 20239 | 0 | 0 | 13605 | 0.32627710400588017 | 18044 | 0.35014409221902015 | 24362 | 0.2783022740333306 | 31142
Dépenses d'intérêt | 714 | -0.6764705882352942 | 231 | -1 | 0 | 0 | 0 | 1066 | 0.0525328330206379 | 1122 | -0.24688057040998218 | 845 | -0.11242603550295859 | 750
19391 | 0.05100304264865144 | 20380 | -0.006918547595682042 | 20239 | 0 | 0 | 12539 | 0.34954940585373634 | 16922 | 0.38972934641295354 | 23517 | 0.292341710252158 | 30392
AUTRES REVENUS
Commissions | 21185 | -0.40793013924946897 | 12543 | 0.6198676552658854 | 20318 | 0 | 0 | 16422 | 0.17494824016563146 | 19295 | -0.010831821715470329 | 19086 | 0.14895735093786022 | 21929
Gains sur change | 21982 | -0.25575470839778003 | 16360 | -0.1954156479217604 | 13163 | 0 | 0 | 33032 | -0.5359348510535239 | 15329 | 0.8978406941092048 | 29092 | -0.5756909115908153 | 12344
Autres | 32836 | 0.3015288098428554 | 42737 | -0.17820623815429254 | 35121 | 0 | 0 | 23609 | -0.025456393748146892 | 23008 | 0.841663769123783 | 42373 | 0.07523658933754986 | 45561
76003 | -0.0574056287251819 | 71640 | -0.042406476828587385 | 68602 | 0 | 0 | 73063 | -0.21120129203564048 | 57632 | 0.5711930871737924 | 90551 | -0.11835319322812558 | 79834
PRODUIT NET BANCAIRE | 95394 | -0.03536910078201983 | 92020 | -0.034546837643990434 | 88841 | 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 | -0.03536910078201983 | 92020 | -0.034546837643990434 | 88841 | 0 | 0 | 85602 | -0.12906240508399336 | 74554 | 0.5300050969766881 | 114068 | -0.033681663569099136 | 110226
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 18046 | 0.2744652554582733 | 22999 | -0.12183138397321623 | 20197 | 0 | 0 | 31571 | -0.3651769028538849 | 20042 | -0.007683863885839737 | 19888 | 0.16698511665325824 | 23209
Frais de locaux | 194 | -0.02577319587628866 | 189 | -0.15873015873015872 | 159 | 0 | 0 | 6341 | -0.536666140987226 | 2938 | -1.8407079646017699 | -2470 | 0.7461538461538462 | -627
Amortissement | 3984 | -0.2143574297188755 | 3130 | -0.16996805111821087 | 2598 | 0 | 0 | 5300 | 0.2169811320754717 | 6450 | -0.24945736434108526 | 4841 | -0.30778764718033463 | 3351
Autres dépenses d'exploitation | 39330 | -0.35942028985507246 | 25194 | 0.12018734619353814 | 28222 | 0 | 0 | 48829.65662 | -0.3967538983689048 | 29456.300000000003 | 0.011399938213556882 | 29792.1 | -0.0056153970347844135 | 29624.805529999998
61554 | -0.16314130682002795 | 51512 | -0.006522751980121136 | 51176 | 0 | 0 | 92041.65662 | -0.3602212067616737 | 58886.3 | -0.11607453686171493 | 52051.1 | 0.06737044039415112 | 55557.80553
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 33840 | 0.19704491725768322 | 40508 | -0.07018366742371877 | 37665 | 0 | 0 | -6439.656619999994 | 3.4330023981930906 | 15667.699999999997 | 2.9582644548976567 | 62016.9 | -0.11849520904785629 | 54668.19447
Impôts sur le revenu | 10510 | 0.1972407231208373 | 12583 | -0.07025351664944766 | 11699 | 0 | 0 | 0 | #DIV/0! | 2866 | 5.720865317515702 | 19262 | -0.27411483750389365 | 13982
BÉNÉFICE NET | 23330 | 0.1969567081011573 | 27925 | -0.0701521933751119 | 25966 | 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- juin. 24) | 2023 (oct22.- juin. 23) | 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 | 5898 | 0.002379333786539769 | 5884 | 4753 | -0.20157903578027886 | 5953 | 0 | 0 | 6016 | 16669 | -0.06631938609757464 | 17853 | 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 | 14713 | 0.20995065789473685 | 12160 | 15486 | -0.15878103101743712 | 18409 | 0 | 0 | 25126 | 44286 | 0.16059541904711988 | 38158 | 63284
20105 | 0.47776552737963984 | 13605 | 20611 | 0.14226335624030148 | 18044 | 20239 | -0.1692389787373779 | 24362 | 0 | 0 | 31142 | 60955 | 0.08826837585474281 | 56011 | 87153
Dépenses d'intérêt | 714 | -0.3302063789868668 | 1066 | 231 | -0.7941176470588235 | 1122 | 0 | -1 | 845 | 0 | 0 | 750 | 945 | -0.6884272997032641 | 3033 | 3783
19391 | 0.5464550602121381 | 12539 | 20380 | 0.20434936768703463 | 16922 | 20239 | -0.13938852744822894 | 23517 | 0 | 0 | 30392 | 60010 | 0.13273434255728794 | 52978 | 83370
AUTRES REVENUS
Commissions | 21185 | 0.29003775423212763 | 16422 | 12543 | -0.3499352163772998 | 19295 | 20318 | 0.0645499318872472 | 19086 | 0 | 0 | 21929 | 54046 | -0.013813112420852872 | 54803 | 76732
Gains sur change | 21982 | -0.3345240978445144 | 33032 | 16360 | 0.06725813816948267 | 15329 | 13163 | -0.547538842293414 | 29092 | 0 | 0 | 12344 | 51505 | -0.3350160742643926 | 77453 | 89797
Autres | 32836 | 0.39082553263585923 | 23609 | 42737 | 0.8574843532684284 | 23008 | 35121 | -0.17114672078918178 | 42373 | 0 | 0 | 45561 | 110694 | 0.2438925721991235 | 88990 | 134551
76003 | 0.040239245582579415 | 73063 | 71640 | 0.24305941143808996 | 57632 | 68602 | -0.24239378913540435 | 90551 | 0 | 0 | 79834 | 216245 | -0.022603798486752303 | 221246 | 301080
PRODUIT NET BANCAIRE | 95394 | 0.1143898507044228 | 85602 | 92020 | 0.23427314429809265 | 74554 | 88841 | -0.22115755514254656 | 114068 | 0 | 0 | 110226 | 276255 | 0.0074063539296341675 | 274224 | 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 | 92020 | 0.23427314429809265 | 74554 | 88841 | -0.22115755514254656 | 114068 | 0 | 0 | 110226 | 276255 | 0.0074063539296341675 | 274224 | 384450
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 18046 | -0.42839948053593485 | 31571 | 22999 | 0.14754016565213052 | 20042 | 20197 | 0.015537007240547063 | 19888 | 0 | 0 | 23209 | 61242 | -0.14348051076208723 | 71501 | 94710
Frais de locaux | 194 | -0.9694054565525942 | 6341 | 189 | -0.9356705241660994 | 2938 | 159 | 1.0643724696356276 | -2470 | 0 | 0 | -627 | 542 | -0.9203994712880011 | 6809 | 6182
Amortissement | 3984 | -0.24830188679245283 | 5300 | 3130 | -0.5147286821705427 | 6450 | 2598 | -0.4633340218963024 | 4841 | 0 | 0 | 3351 | 9712 | -0.41462238563076365 | 16591 | 19942
Autres dépenses d'exploitation | 39330 | -0.19454686511371175 | 48829.65662 | 25194 | -0.14469909662788613 | 29456.300000000003 | 28222 | -0.052701890769700645 | 29792.1 | 0 | 0 | 29624.805529999998 | 92746 | -0.14186095771417484 | 108078.05662000002 | 137702.86215
61554 | -0.3312375911036704 | 92041.65662 | 51512 | -0.12522946763508663 | 58886.3 | 51176 | -0.016812324811579363 | 52051.1 | 0 | 0 | 55557.80553 | 164242 | -0.1908426281265077 | 202979.05662000002 | 258536.86215
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 33840 | 6.254938577765351 | -6439.656619999994 | 40508 | 1.5854464918271354 | 15667.699999999997 | 37665 | -0.3926655476168593 | 62016.9 | 0 | 0 | 54668.19447 | 112013 | 0.5722238615947094 | 71244.94337999998 | 125913.13785
Impôts sur le revenu | 10510 | 0 | 0 | 12583 | 3.3904396371249126 | 2866 | 11699 | -0.39263835531097496 | 19262 | 0 | 0 | 13982 | 34792 | 0.5723065798987708 | 22128 | 36110
BÉNÉFICE NET | 23330 | 4.622863978110687 | -6439.656619999994 | 27925 | 1.181350914331691 | 12801.699999999997 | 25966 | -0.39267779833422606 | 42754.9 | 0 | 0 | 40686.19447 | 77221 | 0.5721865956228 | 49116.94337999998 | 89803.13785
Com /sal | 1.1739443644020835 | 0.5201609071616357 | 0.5453715378929519 | 0.9627282706316734 | 1.005990988760707 | 0.95967417538214 | #DIV/0! | 0.9448489809987505
[CBNAVARAN ]
CITIBANK N.A. (CBNA)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 16669 | -0.06631938609757464 | 17853 | 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 | 44286 | 0.16059541904711988 | 38158 | 63284 | 8.087306145893164 | 6964 | 7.023041474654378 | 868 | -0.8984914045140919 | 8551
60955 | 0.08826837585474281 | 56011 | 87153 | 1.5527371781728714 | 34141 | -0.4096929248219102 | 57836 | -0.2786010078331587 | 80172
Dépenses d'intérêt | 945 | -0.6884272997032641 | 3033 | 3783 | 0.20019035532994925 | 3152 | 0.5132021123379741 | 2083 | -0.2589825684809676 | 2811
60010 | 0.13273434255728794 | 52978 | 83370 | 1.6903094646487464 | 30989 | -0.4441734077090022 | 55753 | -0.2793138661599514 | 77361
AUTRES REVENUS
Commissions | 54046 | -0.013813112420852872 | 54803 | 76732 | 0.1173044440561477 | 68676 | 0.1163380419057527 | 61519 | -0.3572958346827694 | 95719
Gains sur change | 51505 | -0.3350160742643926 | 77453 | 89797 | -0.45779997101729303 | 165616 | -0.20304507461106486 | 207811 | 0.3866916676119871 | 149861
Autres | 110694 | 0.2438925721991235 | 88990 | 134551 | 2.224477569018405 | 41728 | 0.38681910332679714 | 30089 | -0.5251704330261331 | 63368
216245 | -0.022603798486752303 | 221246 | 301080 | 0.09079052242591117 | 276020 | -0.07814801331912805 | 299419 | -0.03084337817367324 | 308948
PRODUIT NET BANCAIRE | 276255 | 0.0074063539296341675 | 274224 | 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 | 276255 | 0.0074063539296341675 | 274224 | 384450 | 0.252243419574019 | 307009 | -0.13560472109287894 | 355172 | -0.0806012803222291 | 386309
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 61242 | -0.14348051076208723 | 71501 | 94710 | -0.3218142239280497 | 139652 | 0.18516884064735686 | 117833 | 0.1395069966249867 | 103407
Frais de locaux | 542 | -0.9203994712880011 | 6809 | 6182 | -0.507410358565737 | 12550 | -0.4064229295748002 | 21143 | -0.3318480596637593 | 31644
Amortissement | 9712 | -0.41462238563076365 | 16591 | 19942 | -0.09817754262198707 | 22113 | -0.056169704212727815 | 23429 | 0.16417391304347825 | 20125
Autres dépenses d'exploitation | 92746 | -0.14186095771417484 | 108078.05662000002 | 137702.86215 | 0.048860118710845814 | 131288.10953289998 | 0.03365977430887121 | 127012.88450610574 | -0.2480707303860751 | 168916
164242 | -0.1908426281265077 | 202979.05662000002 | 258536.86215 | -0.15401102251491658 | 305603.1095329 | 0.05592337548322032 | 289417.88450610574 | -0.1069884955318066 | 324092
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 112013 | 0.5722238615947094 | 71244.94337999998 | 125913.13785 | 88.56112926046471 | 1405.89046710002 | -0.9786189737852901 | 65754.11549389426 | 0.05685127045492813 | 62217
Impôts sur le revenu | 34792 | 0.5723065798987708 | 22128 | 36110 | 9.16045197740113 | -4425 | -1.216688702805935 | 20421 | 0.05687816996170169 | 19322
BÉNÉFICE NET | 77221 | 0.5721865956228 | 49116.94337999998 | 89803.13785 | 14.401273331526562 | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426 | 0.056839153605181575 | 42895
[scotiainfin]
SCOTIA BANK (SCOTIA)
INDICATEURS FINANCIERS
Var.juin. 24 | 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 - juin. 24) | (oct. 22- juin 23)
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 - juin. 24) | (oct. 22- juin 23) | 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.juin. 24 | 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)
Juin 2024 | 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 132.0563 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- juin. 24) | 2023 (oct22.- juin. 23) | 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-Juin) | 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.juin. 24 | 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 | 0.03239023970615238 | 165569844.79929 | 0.004326175152174173 | 166286128.94781002 | 0 | 0 | -0.0025441348841946762 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001
Bons B.R.H. | 750000 | 0 | 1000000 | 0 | 1500000 | 0 | 0 | -0.25 | 2000000 | 0 | 0 | -1 | 4950000 | 0 | 4050000
Prêts nets | 31430373.118939996 | 0.01886429518562431 | 32023284.95524999 | -0.0617425675149496 | 30046085.12185 | 0 | 0 | -0.14544200059341775 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563
Dépôts | 133406702.81036398 | 0.026460136918520855 | 136936662.43257463 | 0.017032924632125086 | 139269094.28316343 | 0 | 0 | 0.0015002712245234867 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 | 0.4628523334855173 | 76115867.49719225
Avoir des Actionnaires | 11633257.52684 | -0.014907464562688558 | 11459835.152510002 | -0.006575143932458807 | 11384485.086939998 | 0 | 0 | 0.025948277258922337 | 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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 1230692.93079 | -0.14479722699512737 | 1439065.6457600002 | 1019706.2402600001 | -0.22577660245694156 | 1317069.7804999999 | 1068832.2478999998 | -0.03377069859565418 | 1106189.0240200001 | 0 | 0 | 1546026.08825 | 3319231.4189500003 | -0.14061300088101827 | 3862324.4502800005
Autres revenus | 976069.6256500001 | -0.1244074571234747 | 1114753.2417799998 | 842945.91551 | -0.11659425327093355 | 954200.1720400001 | 826192.3062400002 | 0.0006440124416252486 | 825660.5705600001 | 0 | 0 | 1009263.18867 | 2645207.8474000003 | -0.08616214055685924 | 2894613.9843800003
Dot. à la prov. pr créances douteuses | 352491.31236999994 | -0.3807587846021859 | 569231.02598 | 277101.15221 | -0.32427671122861673 | 410080.80794999993 | 244590.14625999998 | -0.2747458666706998 | 337247.50404000015 | 0 | 0 | 515024.82910000003 | 874182.6108399999 | -0.3360097143909214 | 1316559.3379700002
Dépenses d'exploitation | 1411165.79615 | 0.12489818985007659 | 1254483.1246800001 | 1410163.6377299998 | -0.016328487248851994 | 1433571.6948699998 | 1434927.8887 | -0.04267830340465501 | 1498898.3262400003 | 0 | 0 | 1461548.13402 | 4256257.32258 | 0.016552412787252245 | 4186953.14579
Bénéfice (perte) net | 301255.44791999995 | -0.4650099205537339 | 563104.73688 | 127577.36583000026 | -0.5268208123677075 | 269617.4497200004 | 150206.51918000006 | 6.024325421506849 | 21383.764299999923 | 0 | 0 | 450263.9677100001 | 579039.3329300005 | -0.32205210334871603 | 854105.950900001
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 - juin. 24) | (oct. 22- juin 23) | 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 | 0.06921450682279763 | 0.06041890600205542 | 0.06846322756429728 | 0.06721521786007904 | 0 | 0.0665618817170956 | 0.06846322756429728 | 0.06721521786007904 | 0.0665618817170956 | 0.06164616052046577 | 0.07148661419540324 | 0.0828600973304912
Dépôts en % de l'actif | 0.8318409554575467 | 0.8297258187526412 | 0.8270628181029849 | 0.8286163372121764 | 0.8375268289928978 | 0.8289629632835457 | 0 | 0.8341446046233999 | 0.8375268289928978 | 0.8289629632835457 | 0.8341446046233999 | 0.823905908387642 | 0.8146884569724315 | 0.7795264229645499
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.048181371973337564 | 0.09221697164260782 | 0.13476287498162143 | 0.10715723510460648 | 0.11771849430108207 | 0.12109744072823111 | 0 | 0.06593237986314099 | 0.11771849430108207 | 0.12109744072823111 | 0.06593237986314099 | 0.04079652422411654 | 0.022182784323064426 | 0.024323463171792417
Provisions pour créances douteuses
en % des prêts improductifs bruts | 1.64103728277309 | 0.7261437399763181 | 0.619781888938913 | 0.6779607864836891 | 0.7729552091207751 | 0.607762595181721 | 0 | 1.1536180332051817 | 0.7729552091207751 | 0.607762595181721 | 1.1536180332051817 | 1.623604489028084 | 2.3057497200171206 | 1.8597512318566836
Prêts improductifs nets
en % de l'avoir des actionnaires | -0.09061139405089161 | 0.11136920219184251 | 0.15623174578369547 | 0.1430003498190759 | 0.0776001601182172 | 0.1772215841414789 | 0 | -0.034734093928777805 | 0.0776001601182172 | 0.1772215841414789 | -0.034734093928777805 | -0.11253186734818964 | -0.11022049368770048 | -0.07791846873366302
Rentabilité
ROA (rendement de l'actif) | 0.007368236984169129 | 0.013422389336919917 | 0.0031312602546621454 | 0.0059854804351975 | 0.003621005039842232 | 0.0004916568270743302 | 0 | 0.010819068428355082 | 0.0046370018660967195 | 0.007046961990700362 | 0.008059505370615635 | 0.010610589707617024 | 0.014460481781901971 | 0.006944139450366293
0
ROE (rendement avoir des action.) | 0.10603009777673048 | 0.2194524671932197 | 0.044195852881699395 | 0.098807160504061 | 0.05260179076656699 | 0.007722459567186738 | 0 | 0.1617488278582654 | 0.0686847810522772 | 0.1092375529535396 | 0.12558060298029225 | 0.16021732726987387 | 0.18970505628022494 | 0.09027107495292935
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.8371068280672302 | 0.8621946593657374 | 0.805794111332723 | 0.8386410207466267 | 0.8093266884227364 | 0.8413417891456275 | 0 | 0.8698093040367393 | 0.8182933366584223 | 0.8480526226559073 | 0.8541600717358953 | 0.8647163500819798 | 0.8423585141703387 | 0.7572600983235017
Rendement moyen des prêts | 0.12025978304320542 | 0.11554462354216807 | 0.09393442409360393 | 0.10461532673406028 | 0.09708990680506772 | 0.10017092347686103 | 0 | 0.15003586861176277 | 0.10205380812876219 | 0.11430513154751491 | 0.12657315104814376 | 0.11372415049100124 | 0.11293254586404694 | 0.10474456280882675
Rendement moyen des prêts productifs | 0.1276019390658602 | 0.12396670809013541 | 0.10344991392152253 | 0.11617453341410951 | 0.11114755187894551 | 0.11303714070790072 | 0 | 0.16574370369148447 | 0.11214760233384803 | 0.12430104329485529 | 0.1336042442954118 | 0.11750112390798706 | 0.11560786424484201 | 0.10696415029108244
Rémunération moyenne des dépôts | 0.007031492371630715 | 0.006629404054079213 | 0.007272565702928248 | 0.0067847706264383524 | 0.007293447429458357 | 0.0057870478682457 | 0 | 0.0066865654293693 | 0.007061691982797683 | 0.006908167901972903 | 0.006881152859044764 | 0.006267652596267851 | 0.007707438933025915 | 0.011920106321050889
0 | 0 | 0 | 0
Dépenses d'exploitation
en % du produit net bancaire | 0.6394733280351309 | 0.4912185162387916 | 0.7570729904462777 | 0.6311762691470523 | 0.7572080718242719 | 0.7758876935581898 | 0 | 0.5719697363508162 | 0.7136056102696574 | 0.6196524041587899 | 0.6065682084627226 | 0.5359345416190119 | 0.555873771274293 | 0.7507729451108703
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 8046.536213090246 | 8716.105418225256 | 6596.377709676848 | 7886.354001875 | 6646.293920701447 | 6835.381139601947 | 0 | 9195.82285891138 | 7177.423906558364 | 7759.906327487799 | 10872.419978493872 | 7090.885999235667 | 5891.257228819139 | 4177.999999988923
[sogebkvar]
SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.juin. 24 | 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 | -0.26807526110932633 | 3921057.7451 | -0.05518165839827035 | 3704687.2760499995 | 0 | 0 | -0.18934128055064547 | 4569971.5394 | -0.11146491787137973 | 5143265.169060001 | -0.04916342330314842 | 5409199.95624 | 0.28377434380106764 | 4213513.0541900005
Avoirs à la BRH | 61994508.13141 | 0.056614897594642374 | 65504320.860700004 | 0.024336907903833277 | 67098493.484790005 | 0 | 0 | -0.00033192815061999943 | 67120772.75876 | 0.1601690088360362 | 57854305.92229 | 0.17796304026973528 | 49113854.972090006 | 0.534075530633822 | 32015278.25152
Avoirs à l'étranger | 7829781.2196499985 | -0.14384772491003844 | 6703485.00466 | -0.0946690650667291 | 6068872.34658 | 0 | 0 | -0.15065026757875874 | 7145316.13412 | 0 | 6562049.10529 | 0 | 10248018.089629998 | 0 | 7111476.047150001
Avoirs dans les banques locales | 6935.81 | 0 | 6935.81 | 0 | 6935.81 | 0 | 0 | -0.8753691096320072 | 55650.81 | 3.6235293091351384 | 12036.435 | 2.765639933862785 | 3196.385 | -0.8402271640088556 | 20005.81
Autres liquidités | 460325.98734 | -0.03362012546680132 | 444849.76989 | -0.33577445636744996 | 295480.58024000004 | 0 | 0 | -0.7400265811990605 | 1136579.96884 | 1.6127093511605382 | 435019.67348 | 2.1510066019616536 | 138057.36656 | 0.9147039539038715 | 72103.76637
75648738.21526001 | 0.012318922920276748 | 76580649.19035 | 0.007754182206447369 | 77174469.49766 | 0 | 0 | -0.03566016055411504 | 80028291.21112001 | 0.1431522739677196 | 70006676.30512 | 0.07848046417575176 | 64912326.76952 | 0.4945607714560513 | 43432376.929230005
Bons B.R.H. | 750000 | 0 | 1000000 | 0.5 | 1500000 | 0 | 0 | -0.25 | 2000000 | 0 | 0 | 0 | 4950000 | 0.2222222222222222 | 4050000
Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 | 0 | 0 | 0 | 0
Autres Placements | 41095990.6223 | 0 | 43610312.668519996 | 0.06537952008879205 | 46461533.98171 | 0 | 0 | 0.19036512986426435 | 39031329.81307 | 0.3405770391772633 | 29115320.248230003 | 0.3220581945914348 | 22022722.121720005 | 0.6743422578825986 | 13153058.77161
Portefeuille net | 31430373.118939996 | 0.01886429518562431 | 32023284.95524999 | -0.0617425675149496 | 30046085.12185 | 0 | 0 | -0.14544200059341775 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 | 0.22564725287332218 | 28782480.1563
Immobilisations | 6326254.68509 | -0.006370794714444364 | 6285951.41518 | 0.0012694673443910164 | 6293931.225229999 | 0 | 0 | -0.003983635332686302 | 6319104.23212 | 0.5505054763234207 | 4075512.3594299997 | -0.0050411459993011404 | 4096161.708640001 | -0.09138800347761133 | 4508152.79164
Autres actifs | 5123895.3042399995 | 0.18457661790384253 | 6069646.569989999 | -0.20751413350119904 | 4810109.121359999 | 0 | 0 | 0.15302203147285523 | 4171740.8601599997 | -0.44809829820846586 | 7558847.611119999 | 0.39589303363307704 | 5415062.206769999 | 0.45657762626258325 | 3717661.25549
160375251.94583 | 0.03239023970615238 | 165569844.79929 | 0.004326175152174173 | 166286128.94781002 | 0 | 0 | -0.0025441348841946762 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 | 0.39971548275649393 | 97643729.90427001
PASSIF
Dépôts
À vue | 61893955.0141101 | 0.04899383306718149 | 64926377.113939054 | 0.018108288322503822 | 66102082.670453876 | 0 | 0 | -0.011211983950733506 | 66851621.98321013 | 0.08647774222137691 | 61530595.04608671 | 0.14679247474448834 | 53654515.87899203 | 0.5612669443386832 | 34366010.2928259
Épargne | 45506718.089221254 | 0.027206200826253416 | 46744783.00050031 | 0.019584116746906972 | 47660238.28809094 | 0 | 0 | 0.03391258188077206 | 46096970.985103056 | 0.069010465830524 | 43121159.669180505 | 0.19570708622336286 | 36063313.63760547 | 0.39713927027378887 | 25812253.94268559
À terme | 26006029.70703263 | -0.028475218910370623 | 25265502.318135273 | 0.009549424485819098 | 25506773.324618593 | 0 | 0 | -0.023173350190226667 | 26111872.899440005 | 0.057994363182156485 | 24680540.660824187 | 0.14111489811938238 | 21628444.86694462 | 0.35707010093208363 | 15937603.261680763
133406702.81036398 | 0.026460136918520855 | 136936662.43257463 | 0.017032924632125086 | 139269094.28316343 | 0 | 0 | 0.0015002712245234867 | 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 | 0.1467572734534654 | 11506279.237039998 | -0.12174164024550087 | 10105485.929599999 | 0 | 0 | -0.006525615964465279 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999
10033753.00371 | 0.1467572734534654 | 11506279.237039998 | -0.12174164024550087 | 10105485.929599999 | 0 | 0 | -0.006525615964465279 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 | 0.14599775983881647 | 4934112.777519999
Obligations à terme
Banques locales | 2413368.7060100003 | 0 | 2310521.53108 | -0.03587486942017599 | 2227631.87286 | 0 | 0 | -0.10760972474249653 | 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 | 1.5977841343564907 | 129367.24203000031 | 0.9156494889373138 | 247822.29107999988 | 0 | 0 | -0.6983796434357488 | 821636.49 | -0.29662051672247025 | 1168126.89243 | 0.08539296864931611 | 1076224.85696 | 0.5298770499108929 | 703471.46983
2196957.4053500006 | 0.11057627570221283 | 2439888.7731100004 | 0.014576644321645078 | 2475454.16394 | 0 | 0 | -0.2539071153737736 | 3317890.0575900003 | -0.42500199867471017 | 5770263.6356 | -0.06999828127793026 | 6204573.08781 | 0.0813143504811713 | 5737991.99562
Autres passifs | 3104581.2021899996 | 0 | 3227179.2067 | -0.05440347295728001 | 3051609.45 | 0 | 0 | -0.0038794265617271397 | 3063494.0501900003 | -0.22650322736233205 | 3960577.67603 | 0.0710663277129354 | 3697789.3651900003 | 0.33736148892603396 | 2764988.6704599997
148741994.421614 | 0.03608943962788887 | 154110009.6494246 | 0.005136812197206766 | 154901643.82670343 | 0 | 0 | -0.004575880477209162 | 155613713.5806632 | 0.05645709316692521 | 147297712.8812514 | 0.1607099495374973 | 126903119.02637212 | 0.41707340207627364 | 89552960.94079225
AVOIR DES ACTIONNAIRES
Capital versé | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000
Réserves | 3314796.1687700003 | 0 | 3314796.1687700003 | 0 | 3314796.1687700003 | 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 | -0.03260762138787653 | 5145038.983740001 | -0.014645188463709236 | 5069688.918169998 | 0 | 0 | -0.10488808692055297 | 5663748.682250003 | 0.2461001848213346 | 4545179.232969996 | -0.0877702705244162 | 4982494.086860002 | 0.3742160194515287 | 3625699.3197100074
11633257.52684 | -0.014907464562688558 | 11459835.152510002 | -0.006575143932458807 | 11384485.086939998 | 0 | 0 | 0.025948277258922337 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 | 0.20758874202197272 | 8090768.963580007
160375251.948454 | 0.03239023970575083 | 165569844.8019346 | 0.004326174929774715 | 166286128.91364342 | 0 | 0 | -0.002544135100485996 | 166710262.3436832 | 0.06202066339582934 | 156974593.89408138 | 0.1485376622745187 | 136673440.54109213 | 0.39971548275494756 | 97643729.90437226
Hors-bilan
Effets à l'encaissement | 2575.554328956 | 2527.089787068 | 2541.7783314380004 | 0 | 14643.749763997997 | 68846.26846022 | 52302.66995 | 19878.62198
Crédit documentaire | 1944633.033360545 | 1955266.6083380743 | 1754326.1467018242 | 0 | 2652074.614870218 | 2379243.015726165 | 1998847.9257 | 1163260.8931000002
Autres | 11271342.813461311 | 11002858.759187132 | 9120532.772008345 | 0 | 10656889.848709445 | 10341156.048350725 | 9109167.89706 | 7004151.97447
Portefeuille brut | 34128853.800799996 | 0.02381829483417759 | 34941744.90297999 | -0.054034755619172585 | 33053676.25624 | 0 | 0 | -0.13140600747877856 | 38054230.792337 | -0.11095362048337364 | 42803425.86067 | 0.15128625785624233 | 37178786.39529 | 0.23328433971867155 | 30146159.48482 | 0.15357166325707972
Provisions pour créances douteuses | 2698480.68186 | 0.08151967414433134 | 2918459.94773 | 0.030540486508758506 | 3007591.1343900003 | 0 | 0 | 0.0390945328871269 | 2894434.56702 | 0.02089669760544541 | 2835188.49048 | 0.4909343018476771 | 1901618.66084 | 0.394476414703613 | 1363679.32852 | 0.004735417357997233
Portefeuille de crédit improductif | 1644375 | 1.8636107943747624 | 4708850 | -0.17367743716618708 | 3891029 | 0 | 0 | 0.5508249083501594 | 2509006 | 0.43681219724080034 | 1746231 | 1.1173391501935788 | 824729 | 0.12474446273417715 | 733259 | -0.3526037102674669
[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 | 3921057.7451 | 0.023682197382338878 | 3704687.2760499995 | 0.02227899163623407 | 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 | 65504320.860700004 | 0.3956295359224792 | 67098493.484790005 | 0.4035122707429752 | 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 | 6703485.00466 | 0.040487354522716484 | 6068872.34658 | 0.03649656399473196 | 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 | 6935.81 | 4.1890538753647143e-05 | 6935.81 | 4.1710093583192674e-05 | 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 | 444849.76989 | 0.0026867801345665547 | 295480.58024000004 | 0.0017769406390639986 | 0 | 0 | 1136579.96884 | 0.006817696480554988 | 435019.67348 | 0.0028861890567486045 | 138057.36656 | 0.0010101257860592441 | 72103.76637 | 0.0007384372395512808
75648738.21526001 | 0.47169832812366785 | 76580649.19035 | 0.4625277585008547 | 77174469.49766 | 0.46410647710658837 | 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 | 1000000 | 0.006039747160554735 | 1500000 | 0.009020596062289625 | 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 | 43610312.668519996 | 0.2633952621105978 | 46461533.98171 | 0.2794071536555659 | 0 | 0 | 39031329.81307 | 0.23412673739933612 | 29115320.248230003 | 0.1931690077645095 | 22022722.121720005 | 0.16113388259291975 | 13153058.77161 | 0.1347045917285756
Portefeuille net | 31430373.118939996 | 0.19598019480933532 | 32023284.95524999 | 0.1934125443801063 | 30046085.12185 | 0.18068906475825267 | 0 | 0 | 35159796.225317 | 0.21090361044020725 | 39968237.37019 | 0.2651739595880058 | 35277167.734450005 | 0.25811282422382253 | 28782480.1563 | 0.2947703880681163
Immobilisations | 6326254.68509 | 0.03944657675254547 | 6285951.41518 | 0.03796555721121842 | 6293931.225229999 | 0.03785000748442097 | 0 | 0 | 6319104.23212 | 0.03790471050405201 | 4075512.3594299997 | 0.027039464855309215 | 4096161.708640001 | 0.029970429458883903 | 4508152.79164 | 0.04616940377082888
Autres actifs | 5123895.3042399995 | 0.03194941390315446 | 6069646.569989999 | 0.03665913063666788 | 4810109.121359999 | 0.02892670093288228 | 0 | 0 | 4171740.8601599997 | 0.0260123729162969 | 7558847.611119999 | 0.05015006121981256 | 5415062.206769999 | 0.03376494902467275 | 3717661.25549 | 0.038073732528804444
160375251.94583 | 1 | 165569844.79929 | 1 | 166286128.94781002 | 1 | 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 | 64926377.113939054 | 0.39213890181901934 | 66102082.670453876 | 0.39752012443082635 | 0 | 0 | 66851621.98321013 | 0.4010048394390496 | 61530595.04608671 | 0.40823195111291904 | 53654515.87899203 | 0.39257456069423535 | 34366010.2928259 | 0.3519530678162168
Épargne | 45506718.089221254 | 0.2837514986700821 | 46744783.00050031 | 0.282326670398019 | 47660238.28809094 | 0.28661583855289224 | 0 | 0 | 46096970.985103056 | 0.27650949820111076 | 43121159.669180505 | 0.28609239245640666 | 36063313.63760547 | 0.2638648262224776 | 25812253.94268559 | 0.26435137174698203
À terme | 26006029.70703263 | 0.162157373980723 | 25265502.318135273 | 0.1525972458859466 | 25506773.324618593 | 0.15339086600917903 | 0 | 0 | 26111872.899440005 | 0.15663026698323954 | 24680540.660824187 | 0.16374594233882311 | 21628444.86694462 | 0.15824907005571856 | 15937603.261680763 | 0.16322198340135105
133406702.81036398 | 0.8318409554575467 | 136936662.43257463 | 0.8270628181029849 | 139269094.28316343 | 0.8375268289928978 | 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 | 11506279.237039998 | 0.06949501735046223 | 10105485.929599999 | 0.060771671056048644 | 0 | 0 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.054633261770910525 | 5654482.18983 | 0.04137220931472492 | 4934112.777519999 | 0.05053179330979477
10033753.00371 | 0.06256422285839404 | 11506279.237039998 | 0.06949501735046223 | 10105485.929599999 | 0.060771671056048644 | 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 | 2310521.53108 | 0.01395496585674101 | 2227631.87286 | 0.013396378200367853 | 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 | 129367.24203000031 | 0.0007813454327194917 | 247822.29107999988 | 0.00149033652204256 | 0 | 0 | 821636.49 | 0.004928529764505394 | 1168126.89243 | 0.007750074903176125 | 1076224.85696 | 0.007874425731138019 | 703471.46983 | 0.00720447150595009
2196957.4053500006 | 0.013698855519753557 | 2439888.7731100004 | 0.014736311289460503 | 2475454.16394 | 0.014886714722410413 | 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 | 3227179.2067 | 0.019491346450267608 | 3051609.45 | 0.018351557458877208 | 0 | 0 | 3063494.0501900003 | 0.01837615757516636 | 3960577.67603 | 0.026276917215069688 | 3697789.3651900003 | 0.027055654343303176 | 2764988.6704599997 | 0.028317114403257605
148741994.421614 | 0.9274622650124013 | 154110009.6494246 | 0.9307854931931752 | 154901643.82670343 | 0.9658699951974175 | 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 | 3000000 | 0.018119241481664206 | 3000000 | 0.01804119212457925 | 0 | 0 | 3000000 | 0.01799529289834265 | 3000000 | 0.019903851936121437 | 3000000 | 0.021950131555354017 | 3000000 | 0.030723938986570897
Réserves | 3314796.1687700003 | 0.020669000538123178 | 3314796.1687700003 | 0.020020530748146324 | 3314796.1687700003 | 0.019934291511532934 | 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 | 5145038.983740001 | 0.031074734592987093 | 5069688.918169998 | 0.03048774392818509 | 0 | 0 | 5663748.682250003 | 0.03397360547989701 | 4545179.232969996 | 0.0301555248253896 | 4982494.086860002 | 0.036455466893450174 | 3625699.3197100074 | 0.037131921560807295
11633257.52684 | 0.0725377350039604 | 11459835.152510002 | 0.06921450682279763 | 11384485.086939998 | 0.06846322756429728 | 0 | 0 | 11096548.763020003 | 0.0665618817170956 | 9676881.012829997 | 0.0642024022942777 | 9770321.51472 | 0.07148661419540324 | 8090768.963580007 | 0.0828600973304912
160375251.948454 | 1.0000000000163616 | 165569844.8019346 | 1.0000000000159728 | 166286128.91364342 | 0.9999999997945312 | 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)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 716464.3232199999 | 2988222.95283 | 3704687.2760499995 | 0.19339400867970327 | 1112496.6011 | 3457474.9383 | 4569971.5394 | 0.24343622088422498
Avoirs à la BRH | 46425853.767730005 | 20672639.71706 | 67098493.484790005 | 0.6919060526784241 | 46367082.56153 | 20753690.19723 | 67120772.75876 | 0.6908007857445083
Avoirs à l'étranger | 6068872.34658 | 0 | 6068872.34658 | 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 | 267095.59163000004 | 28384.98861 | 295480.58024000004 | 0.9039361957833415 | 484176.81204000005 | 652403.1568 | 1136579.96884 | 0.4259944969240956
53478286.02916 | 23696183.4685 | 77174469.49766 | 0.6929530760270599 | 55109072.10879 | 24919219.10233 | 80028291.21112001 | 0.6886198777305962
Bons B.R.H. | 0 | 1500000 | 1500000 | 0 | 0 | 2000000 | 2000000 | 0
Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres Placements | 34434608.113350004 | 12026925.86836 | 46461533.98171 | 0.7411422990662662 | 30570659.677270006 | 8460670.1358 | 39031329.81307001 | 0.783233874522849
Portefeuille net | 17911720.991359998 | 12134364.13049 | 30046085.12185 | 0.5961415911164515 | 20524238.2828 | 14635557.942517 | 35159796.225317 | 0.5837416733382946
Immobilisations | 0 | 6293931.225229999 | 6293931.225229999 | 0 | 0 | 6319104.23212 | 6319104.23212 | 0
Autres actifs | 911352.55702 | 3898756.56434 | 4810109.12136 | 0.1894660877802136 | 996799.9065599998 | 3174940.9535999997 | 4171740.8601599997 | 0.23894099369388186 | #REF!
106735967.69088998 | 59550161.25692 | 166286128.94781 | 0.64188136657141 | 107200769.97542001 | 59509492.366367 | 166710262.341787 | 0.6430364182118466 | #REF!
#REF!
PASSIF | #REF!
Dépôts | #REF!
À vue | 45116667.78713388 | 20985414.883319996 | 66102082.670453876 | 0.682530201235248 | 44829450.06945013 | 22022171.913760003 | 66851621.98321013 | 0.6705813372891551
Épargne | 33039134.93446094 | 14621103.353629997 | 47660238.28809094 | 0.6932221936187123 | 32155449.551793054 | 13941521.433310006 | 46096970.985103056 | 0.6975610081231711
À terme | 20997839.87501859 | 4508933.449600004 | 25506773.324618593 | 0.8232260352097113 | 21530661.472250003 | 4581211.427190002 | 26111872.899440005 | 0.8245544681979419
99153642.5966134 | 40115451.68655 | 139269094.2831634 | 0.7119572587656323 | 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 | 5307767.52063 | 4797718.408969999 | 10105485.9296 | 0.5252362486679643 | 5948146.35 | 4223717.2 | 10171863.60513 | 0.5847646587593012
5307767.52063 | 4797718.408969999 | 10105485.9296 | 0.5252362486679643 | 5948146.35 | 4223717.2 | 10171863.55 | 0.5847646619286393
Obligations à terme
Banques locales | 0 | 2227631.87286 | 2227631.87286 | 0 | 0 | 2496252.96759 | 2496252.96759 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0.64 | 0 | 0.56388 | -
Autres | 597692.3757799999 | -349870.0846999999 | 247822.29108 | 2.4117781058970906 | 685342.2 | 136294.32446999988 | 821636.5269099999 | 0.8341184666867552
597692.3757799999 | 1877761.78816 | 2475454.16394 | 0.2414475632336882 | 685342.84 | 2632547.29206 | 3317890.1320599997 | 0.206559835534544
Autres passifs | 1638453.40091 | 1413156.05 | 3051609.45091 | 0.5369145125767676 | 2016529.85 | 1046964.15 | 3063494.05019 | 0.65824506820078
106697555.89393342 | 48204087.93368 | 154901643.8276134 | 0.6888084158272377 | 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 | 5069688.918169998 | 5069688.918169998 | 0 | 0 | 5663748.682250003 | 5663748.682250003 | 0
0 | 11384485.086939998 | 11384485.086939998 | 0 | 0 | 11096548.763020003 | 11096548.763020003 | 0
106697555.89393342 | 59588573.020619996 | 166286128.9145534 | 0.6416503684968231 | 107165580.13349317 | 59544682.17934002 | 166710262.3128332 | 0.6428253344859842
*Converties au taux de 132.0563 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 | -0.2525844230630568 | 811013.3638800001 | 0.017503132121137556 | 825208.6379399999 | 0 | 0 | 5117204.19447 | 0.12516607497021137 | 4547954.571599999 | 0.1963299682614181 | 3801588.7692 | 0.142798687902863 | 3326560.3202400003
Intérêts sur bons B.R.H. | 167712.97251999998 | 0 | 205165.65166000003 | 0 | 237766.30547000002 | 0 | 0 | 471844.66823 | -0.23423723973820934 | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001 | 2.4027005155722354 | 155136.43406
Autres | 217371.04896 | 0.14683377419719498 | 249288.46048000004 | 0.033617138891482275 | 257668.82528 | 0 | 0 | 742727.48402 | 0.8064466403339867 | 411153.84614000004 | 0.6260388535978539 | 252856.10194999998 | -0.4998660168645743 | 505576.72639
1470174.28305 | -0.13923982305371194 | 1265467.4760200002 | 0.04360150988908355 | 1320643.7686899998 | 0 | 0 | 6331776.346720001 | 0.13568668831461464 | 5575284.461699999 | 0.21669265762164655 | 4582327.69531 | 0.14923837492005332 | 3987273.48069
Dépenses d'intérêt | 239481.35226 | 0.026222849673832035 | 245761.23576 | 0.024618549020922285 | 251811.52079 | 0 | 0 | 923425.80819 | 0.22430511931538233 | 754244.83131 | 0.0440436856512934 | 722426.5054 | -0.2535916732169889 | 967870.37266
1230692.93079 | -0.1714373140947225 | 1019706.2402600001 | 0.048176627444658775 | 1068832.2478999998 | 0 | 0 | 5408350.5385300005 | 0.12182246012619714 | 4821039.630389999 | 0.24900597015085998 | 3859901.18991 | 0.2783656410913547 | 3019403.1080300002
AUTRES REVENUS
Commissions | 507542.17510999995 | -0.1908262131496937 | 410689.82381999993 | 0.15995952051831902 | 476383.57112000004 | 0 | 0 | 2169061.49446 | 0.12239130107168697 | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954 | 0.07661116970075371 | 1550792.66919
Gains sur change | 297868.8237400001 | 0.1205288651871049 | 333770.61504000006 | -0.17038973087305614 | 276899.52977 | 0 | 0 | 1276487.8284 | 0.050891536017939554 | 1214671.3382400002 | 0.5097726482112807 | 804539.23952 | 0.6220414220540942 | 496004.12701
Autres | 170658.62679999997 | -0.42290947433077525 | 98485.47665000003 | -0.25969586755307644 | 72909.20535000002 | 0 | 0 | 458327.85018999997 | 0.20210398086165654 | 381271.38541000005 | -0.596203500193514 | 944216.6675360462 | 1.0943075552897912 | 450849.0957553721
976069.6256500001 | -0.1363875144166567 | 842945.91551 | -0.019875070228987938 | 826192.3062400002 | 0 | 0 | 3903877.1730500003 | 0.10639104790193651 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 | 0.368631409122557 | 2497645.891955372
PRODUIT NET BANCAIRE | 2206762.55644 | -0.15593449311788518 | 1862652.15577 | 0.01737973366080135 | 1895024.5541400001 | 0 | 0 | 9312227.71158 | 0.11530119667134757 | 8349518.264099998 | 0.1471863852687864 | 7278257.806506047 | 0.3192302273417082 | 5517048.999985373
Dotation à la provision pour créances douteuses | 352491.31236999994 | -0.21387806596738218 | 277101.15221 | -0.11732540875673321 | 244590.14625999998 | 0 | 0 | 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 | -0.1449195965096116 | 1585551.00356 | 0.04092167591854113 | 1650434.40788 | 0 | 0 | 7480643.54451 | 0.1449348944394067 | 6533684.649529998 | 0.06519557376151089 | 6133788.771256047 | 0.20632485626155658 | 5084690.694565373
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 585122.31048 | 0.0435420384826889 | 610599.72864 | 0.0034697840346554557 | 612718.37783 | 0 | 0 | 2379682.18818 | 0.1564445703129447 | 2057757.24083 | 0.15890020995434195 | 1775612.10461 | -0.14814908981232955 | 2084416.51394
Frais de locaux | 61009.85541999999 | -0.07366971039447175 | 56515.27704 | -0.0390388278277123 | 54308.98686999998 | 0 | 0 | 249953.64018 | 0.09985463617128768 | 227260.61422999998 | 0.002558125003360841 | 226680.73657 | 0.1621685017225463 | 195049.80236000003
Amortissement | 96454.70368 | -0.011258314510017858 | 95368.78628999999 | -0.009153962569528187 | 94495.78399 | 0 | 0 | 364764.01706 | 0.05529706642941423 | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995 | 0.15582726314654727 | 283942.15489999996
Autres dépenses d'exploitation | 668578.92657 | -0.03125895833603117 | 647679.8457599999 | 0.03971853442469547 | 673404.74001 | 0 | 0 | 2654101.43439 | 0.43921848898543975 | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998 | 0.08671126649233586 | 1578642.65484
1411165.79615 | -0.0007101634852080136 | 1410163.6377299998 | 0.01756126048595625 | 1434927.8887 | 0 | 0 | 5648501.27981 | 0.26229267984407784 | 4474795.24361 | 0.10597739337652429 | 4046009.68375 | -0.0231869282554753 | 4142051.12604
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 443105.44791999995 | -0.6041859411720314 | 175387.36583000026 | 0.2287459712969665 | 215506.51918000006 | 0 | 0 | 1832142.2647000002 | -0.11013080186241361 | 2058889.405919998 | -0.01383751842277509 | 2087779.0875060475 | 1.2148222472477843 | 942639.5685253725
Impôts sur le revenu | 141850 | -0.6629538244624603 | 47810 | 0.3658230495712194 | 65300 | 0 | 0 | 527772.34609 | 0.0534378165469062 | 501000 | 0.2715736040609137 | 394000 | 0.6554621848739496 | 238000
BÉNÉFICE NET (PERTE NETTE) | 301255.44791999995 | -0.5765143279205389 | 127577.36583000026 | 0.17737592560230211 | 150206.51918000006 | 0 | 0 | 1304369.91861 | -0.1627326601918088 | 1557889.405919998 | -0.08022869250684636 | 1693779.0875060475 | 1.4037524475820835 | 704639.5685253725
2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 (oct.23- juin. 24) | 2023 (oct22.- juin. 23) | 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 | 811013.3638800001 | -0.33560993206214024 | 1220688.5729 | 825208.6379399999 | -0.24407987044331475 | 1091661.15 | 0 | 0 | 1495525.4249500001 | 2721312.26339 | -0.24860473924619503 | 3621678.76952 | 5117204.19447
Intérêts sur Bons B.R.H. | 167712.97251999998 | -0.13737976344327138 | 194422.71977000003 | 205165.65166000003 | 0.2918186070302273 | 158819.24175999995 | 237766.30547000002 | 6.750597736610868 | 30677.15724000004 | 0 | 0 | 87925.54946 | 610644.9296500001 | 0.5905561869551695 | 383919.11877 | 471844.66823
Autres | 217371.04896 | 0.3148421417687452 | 165321.02375999998 | 249288.46048000004 | 0.3053585146829407 | 190973.17532 | 257668.82528 | 0.3388649770724368 | 192453.18213000003 | 0 | 0 | 193980.10280999998 | 724328.33472 | 0.31996681810643024 | 548747.38121 | 742727.48402
1470174.28305 | -0.11916706585464447 | 1669072.7901500002 | 1265467.4760200002 | -0.19421662274554755 | 1570480.9899799998 | 1320643.7686899998 | 0.004451108306765765 | 1314791.48937 | 0 | 0 | 1777431.07722 | 4056285.5277600004 | -0.10935924095949791 | 4554345.2695 | 6331776.346720001
Dépenses d'intérêt | 239481.35226 | 0.041190928634527765 | 230007.14439 | 245761.23576 | -0.030187984721345724 | 253411.20948 | 251811.52079 | 0.20713588100458194 | 208602.46534999998 | 0 | 0 | 231404.98897000003 | 737054.10881 | 0.06507505025753214 | 692020.81922 | 923425.80819
1230692.93079 | -0.14479722699512737 | 1439065.6457600002 | 1019706.2402600001 | -0.22577660245694156 | 1317069.7804999999 | 1068832.2478999998 | -0.03377069859565418 | 1106189.0240200001 | 0 | 0 | 1546026.08825 | 3319231.4189500003 | -0.14061300088101827 | 3862324.4502800005 | 5408350.5385300005
AUTRES REVENUS
Commissions | 507542.17510999995 | 0.03632672994163528 | 489751.1184899999 | 410689.82381999993 | -0.2801109791417099 | 570490.4671700002 | 476383.57112000004 | -0.17193534162074786 | 575297.5523099999 | 0 | 0 | 533522.35649 | 1394615.57005 | -0.14730529054720745 | 1635539.13797 | 2169061.49446
Gains sur change | 297868.8237400001 | -0.16775732325520132 | 357911.0181 | 333770.61504000006 | -0.08155578812346195 | 363408.6978000001 | 276899.52977 | -0.1275996180130253 | 317399.59712000017 | 0 | 0 | 237768.51537999982 | 908538.9685500002 | -0.12532774045715026 | 1038719.3130200002 | 1276487.8284
Autres | 170658.62679999997 | -0.3610471352889161 | 267091.10519000003 | 98485.47665000003 | 3.851260644874039 | 20301.007069999876 | 72909.20535000002 | 2.087603314175511 | -67036.57886999997 | 0 | 0 | 237972.31680000003 | 342053.3088 | 0.5522791896249377 | 220355.53338999994 | 458327.85018999997
976069.6256500001 | -0.1244074571234747 | 1114753.2417799998 | 842945.91551 | -0.11659425327093355 | 954200.1720400001 | 826192.3062400002 | 0.0006440124416252486 | 825660.5705600001 | 0 | 0 | 1009263.18867 | 2645207.8474000003 | -0.08616214055685924 | 2894613.9843800003 | 3903877.1730500003
PRODUIT NET BANCAIRE | 2206762.55644 | -0.13589700224760523 | 2553818.88754 | 1862652.15577 | -0.1799071908264518 | 2271269.95254 | 1895024.5541400001 | -0.019062063911867936 | 1931849.5945800003 | 0 | 0 | 2555289.27692 | 5964439.266350001 | -0.11728672326579767 | 6756938.434660001 | 9312227.71158
Dotation à la provision pour créances douteuses | 352491.31236999994 | -0.3807587846021859 | 569231.02598 | 277101.15221 | -0.32427671122861673 | 410080.80794999993 | 244590.14625999998 | -0.2747458666706998 | 337247.50404000015 | 0 | 0 | 515024.82910000003 | 874182.6108399999 | -0.3360097143909214 | 1316559.3379700002 | 1831584.1670700002
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 1854271.24407 | -0.06566432255993128 | 1984587.86156 | 1585551.00356 | -0.14809786626534413 | 1861189.1445900002 | 1650434.40788 | 0.03501332255314718 | 1594602.0905400002 | 0 | 0 | 2040264.4478200001 | 5090256.655510001 | -0.06435625807639384 | 5440379.096690001 | 7480643.54451
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 585122.31048 | 0.05154922668805698 | 556438.3441400001 | 610599.72864 | -0.0019046019071634328 | 611764.8972299999 | 612718.37783 | -0.0079867623342396 | 617651.41287 | 0 | 0 | 593827.53394 | 1808440.41695 | 0.012647032980190466 | 1785854.65424 | 2379682.18818
Frais de locaux | 61009.85541999999 | -0.0050355026287939916 | 61318.62551999999 | 56515.27704 | -0.13069724540805 | 65012.19137 | 54308.98686999998 | -0.14915513136461261 | 63829.48158 | 0 | 0 | 59793.34170999999 | 171834.11932999996 | -0.09637226743673413 | 190160.29846999998 | 249953.64018
Amortissement | 96454.70368 | 0.1285111173396843 | 85470.76072 | 95368.78628999999 | 0.07059674503432695 | 89080.02638000001 | 94495.78399 | -0.00870361703448316 | 95325.46028999999 | 0 | 0 | 94887.76966999998 | 286319.27396 | 0.06092802434086782 | 269876.24739000003 | 364764.01706
Autres dépenses d'exploitation | 668578.92657 | 0.2128297219095348 | 551255.3943 | 647679.8457599999 | -0.03000493733909527 | 667714.5798899997 | 673404.74001 | -0.06742524970726704 | 722091.9715000002 | 0 | 0 | 713039.4887000001 | 1989663.51234 | 0.025038647920493474 | 1941061.94569 | 2654101.43439
1411165.79615 | 0.12489818985007659 | 1254483.1246800001 | 1410163.6377299998 | -0.016328487248851994 | 1433571.6948699998 | 1434927.8887 | -0.04267830340465501 | 1498898.3262400003 | 0 | 0 | 1461548.13402 | 4256257.32258 | 0.016552412787252245 | 4186953.14579 | 5648501.27981
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 443105.44791999995 | -0.3930933117712003 | 730104.73688 | 175387.36583000026 | -0.5898498390445897 | 427617.4497200004 | 215506.51918000006 | 1.2518081786674324 | 95703.76429999992 | 0 | 0 | 578716.3138000001 | 833999.3329300005 | -0.33462416959600877 | 1253425.950900001 | 1832142.2647000002
Impôts sur le revenu | 141850 | -0.1505988023952096 | 167000 | 47810 | -0.6974050632911393 | 158000 | 65300 | -0.12136706135629709 | 74320 | 0 | 0 | 128452.34609 | 254960 | -0.3615145747771211 | 399320 | 527772.34609
BÉNÉFICE NET (PERTE NETTE) | 301255.44791999995 | -0.4650099205537339 | 563104.73688 | 127577.36583000026 | -0.5268208123677075 | 269617.4497200004 | 150206.51918000006 | 6.024325421506849 | 21383.764299999923 | 0 | 0 | 450263.9677100001 | 579039.3329300005 | -0.32205210334871603 | 854105.950900001 | 1304369.91861
Com /sal | 0.8674121051607863 | 0.8801534323572395 | 0.6726007309808947 | 0.9325322027352575 | 0.7774918924533608 | 0.931427566297959 | #DIV/0! | 0.8984466465374555
1304369.918610001
[SOGEBKVARAN ]
SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 2721312.26339 | -0.24860473924619503 | 3621678.76952 | 5117204.19447 | 0.12516607497021137 | 4547954.571599999 | 0.1963299682614181 | 3801588.7692 | 0.142798687902863 | 3326560.3202400003
Intérêts sur Bons B.R.H. | 610644.9296500001 | 0.5905561869551695 | 383919.11877 | 471844.66823 | -0.23423723973820934 | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001 | 2.4027005155722354 | 155136.43406
Autres | 724328.33472 | 0.31996681810643024 | 548747.38121 | 742727.48402 | 0.8064466403339867 | 411153.84614000004 | 0.6260388535978539 | 252856.10194999998 | -0.4998660168645743 | 505576.72639
4056285.5277600004 | -0.10935924095949791 | 4554345.2695 | 6331776.346720001 | 0.13568668831461464 | 5575284.461699999 | 0.21669265762164655 | 4582327.69531 | 0.14923837492005332 | 3987273.48069
Dépenses d'intérêt | 737054.10881 | 0.06507505025753214 | 692020.81922 | 923425.80819 | 0.22430511931538233 | 754244.83131 | 0.0440436856512934 | 722426.5054 | -0.2535916732169889 | 967870.37266
3319231.4189500003 | -0.14061300088101827 | 3862324.4502800005 | 5408350.5385300005 | 0.12182246012619714 | 4821039.630389999 | 0.24900597015085998 | 3859901.18991 | 0.2783656410913547 | 3019403.1080300002
AUTRES REVENUS
Commissions | 1394615.57005 | -0.14730529054720745 | 1635539.13797 | 2169061.49446 | 0.12239130107168697 | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954 | 0.07661116970075371 | 1550792.66919
Gains sur change | 908538.9685500002 | -0.12532774045715026 | 1038719.3130200002 | 1276487.8284 | 0.050891536017939554 | 1214671.3382400002 | 0.5097726482112807 | 804539.23952 | 0.6220414220540942 | 496004.12701
Autres | 342053.3088 | 0.5522791896249377 | 220355.53338999994 | 458327.85018999997 | 0.20210398086165654 | 381271.38541000005 | -0.596203500193514 | 944216.6675360462 | 1.0943075552897912 | 450849.0957553721
2645207.8474000003 | -0.08616214055685924 | 2894613.9843800003 | 3903877.1730500003 | 0.10639104790193651 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 | 0.368631409122557 | 2497645.891955372
PRODUIT NET BANCAIRE | 5964439.266350001 | -0.11728672326579767 | 6756938.434660001 | 9312227.71158 | 0.11530119667134757 | 8349518.264099998 | 0.1471863852687864 | 7278257.806506047 | 0.3192302273417082 | 5517048.999985373
Dotation à la provision pour créances douteuses | 874182.6108399999 | -0.3360097143909214 | 1316559.3379700002 | 1831584.1670700002 | 0.008674006458312011 | 1815833.61457 | 0.5866166393687933 | 1144469.03525 | 1.6470383959393213 | 432358.30542
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 5090256.655510001 | -0.06435625807639384 | 5440379.096690001 | 7480643.54451 | 0.1449348944394067 | 6533684.649529998 | 0.06519557376151089 | 6133788.771256047 | 0.20632485626155658 | 5084690.694565373
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 1808440.41695 | 0.012647032980190466 | 1785854.65424 | 2379682.18818 | 0.1564445703129447 | 2057757.24083 | 0.15890020995434195 | 1775612.10461 | -0.14814908981232955 | 2084416.51394
Frais de locaux | 171834.11932999996 | -0.09637226743673413 | 190160.29846999998 | 249953.64018 | 0.09985463617128768 | 227260.61422999998 | 0.002558125003360841 | 226680.73657 | 0.1621685017225463 | 195049.80236000003
Amortissement | 286319.27396 | 0.06092802434086782 | 269876.24739000003 | 364764.01706 | 0.05529706642941423 | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995 | 0.15582726314654727 | 283942.15489999996
Autres dépenses d'exploitation | 1989663.51234 | 0.025038647920493474 | 1941061.94569 | 2654101.43439 | 0.43921848898543975 | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998 | 0.08671126649233586 | 1578642.65484
4256257.32258 | 0.016552412787252245 | 4186953.14579 | 5648501.27981 | 0.26229267984407784 | 4474795.24361 | 0.10597739337652429 | 4046009.68375 | -0.0231869282554753 | 4142051.12604
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 833999.3329300005 | -0.33462416959600877 | 1253425.950900001 | 1832142.2647000002 | -0.11013080186241361 | 2058889.405919998 | -0.01383751842277509 | 2087779.0875060475 | 1.2148222472477843 | 942639.5685253725
Impôts sur le revenu | 254960 | -0.3615145747771211 | 399320 | 527772.34609 | 0.0534378165469062 | 501000 | 0.2715736040609137 | 394000 | 0.6554621848739496 | 238000
BÉNÉFICE NET (PERTE NETTE) | 579039.3329300005 | -0.32205210334871603 | 854105.950900001 | 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.juin. 24 | 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 | -0.024225256208229986 | 11483316.210767062 | 0.0223958759765716 | 11740495.136423156 | 0 | 0 | -0.04586243623428232 | 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 | 0
Prêts nets | 4874167.84484563 | -0.0057967397016179915 | 4845913.562587064 | 0.00474855588918264 | 4868924.653973157 | 0 | 0 | -0.038835602185325946 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 | 0.16623299565032765 | 4134099.53656
Dépôts | 8031286.619789716 | -0.02330709561434453 | 7844100.654636071 | 0.00856958842650171 | 7911321.368822355 | 0 | 0 | -0.061683443773571316 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 | 0.505870701371239 | 4375153.64703
Avoir des Actionnaires | 1107214.2859399999 | -0.05038943933299579 | 1051422.37885 | 0.01789167174715801 | 1070234.0829200002 | 0 | 0 | 0.002475507637885224 | 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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 118978.06519000005 | 0.11712943292154256 | 106503.384195013 | 113635.88780702402 | -0.25273250102710293 | 152068.55371498704 | 125376.99967000002 | -0.18387552398819487 | 153624.84934000002 | 0 | 0 | 151784.27955404195 | 357990.952667024 | -0.13150474787689181 | 412196.78725000005
Autres revenus | 17599.53428 | -0.0836110599004494 | 19205.31066 | 20126.973359999996 | -0.15843207713050356 | 23916.04149 | 17756.15845000001 | -0.16743143724262197 | 21326.962419999996 | 0 | 0 | 22748.118609999998 | 55482.66609 | -0.13911377729299715 | 64448.31457
Dot. à la prov. pr créances douteuses | -1821.4077999999997 | 0.6283496641234164 | -4900.864129999998 | 11900 | -0.1185185185185184 | 13499.999999999998 | 21000 | 0.68 | 12500 | 0 | 0 | 15221.4078 | 31078.5922 | 0.4729793860510365 | 21099.13587
Dépenses d'exploitation | 96129.11805000002 | 0.1826210080266244 | 81284.80502 | 95550.40513 | -0.0184649374358422 | 97347.92853999994 | 96363.70048999999 | 0.04058455511696474 | 92605.35342 | 0 | 0 | 106483.99506999999 | 288043.22367000004 | 0.061957142070683015 | 271238.0869799999
Bénéfice (perte) net | 30857.019130600005 | -0.143028888667878 | 36007.07039311301 | 19208.092906224017 | -0.5960423309576273 | 47549.766666787065 | 18811.704069900043 | -0.6310556291264053 | 50987.914588200045 | 0 | 0 | 39835.51451774192 | 68876.81610672394 | -0.4880750437083547 | 134544.75164810015
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 - juin. 24) | (oct. 22- juin 23) | 2023 | 2022 | 2021 | 2020
RATIOS FINANCIERS CLÉS
(Données trimestrielles
et cumulatives annualisées)
Avoir des actionnaires
en % de l'actif | 0.0940836006216294 | 0.07701086267678488 | 0.0915608661776777 | 0.07506085268247523 | 0.09115749127136527 | 0.08309150107589461 | 0 | 0.08676200663056292 | 0.09115749127136527 | 0.08309150107589461 | 0.08676200663056292 | 0.08103751267768017 | 0.0853015512901374 | 0.11337303882952046
Dépôts en % de l'actif | 0.6824445569473788 | 0.7161010027760055 | 0.683086706894062 | 0.7110262704551453 | 0.6738490393202111 | 0.6965765528587556 | 0 | 0.6852108453766899 | 0.6738490393202111 | 0.6965765528587556 | 0.6852108453766899 | 0.6827486357956529 | 0.6536905895142436 | 0.5654159338549604
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.06359950072111291 | 0.08703761573150567 | 0.11275307689406115 | 0.0759143930602332 | 0.10170900389715984 | 0.05118964028293402 | 0 | 0.04144079780893058 | 0.10170900389715984 | 0.05118964028293402 | 0.04144079780893058 | 0.07124213430332414 | 0.041209673197505875 | 0.10797350993144256
Provisions pour créances douteuses
en % des prêts improductifs bruts | 0.7831848438638832 | 0.4867342616756395 | 0.460241038897821 | 0.5847376336200403 | 0.5449540279392477 | 0.910036517544946 | 0 | 1.2126331430000805 | 0.5449540279392477 | 0.910036517544946 | 1.2126331430000805 | 0.5907699247156862 | 1.0065933566073082 | 0.4099381920533815
Prêts improductifs nets
en % de l'avoir des actionnaires | 0.06388542134817897 | 0.25916030487280994 | 0.29584867519140695 | 0.1905250079894646 | 0.22291192432145512 | 0.02469706164942791 | 0 | -0.044023165949195725 | 0.22291192432145512 | 0.02469706164942791 | -0.044023165949195725 | 0.16164521078016045 | -0.0015896654962255787 | 0.3141390730281408
Rentabilité
ROA (rendement de l'actif) | 0.01025438295130314 | 0.011638508897102141 | 0.006608745901828573 | 0.014622817743859819 | 0.006480143603879565 | 0.016070589454774867 | 0 | 0.012915897586303501 | 0.007638555588882756 | 0.01487611257816175 | 0.014498990890740644 | 0.014647318005265836 | 0.013230792433120487 | 0.018926296875654385
ROE (rendement avoir des action.) | 0.11350723026402189 | 0.1474678121376334 | 0.0711860155793014 | 0.19231589927285853 | 0.07093213970825911 | 0.20349140539605795 | 0 | 0.15209133262978494 | 0.08591511503045048 | 0.18121513862483674 | 0.1726772101096658 | 0.1764601706585961 | 0.1357098966561243 | 0.19215134776134005
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.725741779692905 | 0.7205542261597033 | 0.6927988246589151 | 0.7701144708119058 | 0.725518995481194 | 0.757935132688404 | 0 | 0.7650861255528165 | 0.714874717123059 | 0.7522408659380045 | 0.7556552986673709 | 0.7168337269853914 | 0.7220485329128635 | 0.7041521584010543
Rendement moyen des prêts | 0.09375333962499925 | 0.08559285852387816 | 0.09448787915665326 | 0.10546866632077467 | 0.10273871175631309 | 0.11799940378443283 | 0 | 0.11807206520743865 | 0.09544916748467396 | 0.1090799991657616 | 0.11334752155150182 | 0.09780828444250475 | 0.11328782114511048 | 0.13074904120467093
Rendement moyen des prêts productifs | 0.09892766550230428 | 0.09298688287589536 | 0.10362010814926795 | 0.11481843130506011 | 0.11507570830408798 | 0.13293486961815418 | 0 | 0.1238165638274608 | 0.10275067767736833 | 0.11616609783056851 | 0.12010521392894835 | 0.10367512754125206 | 0.12208767337087792 | 0.1492995192767712
Rémunération moyenne des dépôts | 0.021849108930086233 | 0.01906511564790731 | 0.025391999362005393 | 0.01956349508823465 | 0.024084704706418568 | 0.023591558021182842 | 0 | 0.02187050337813616 | 0.023298192125724673 | 0.0217596311504588 | 0.02216781397960733 | 0.022143966999330952 | 0.028342112403161347 | 0.037619099417430135
Dépenses d'exploitation
en % du produit net bancaire | 0.7038424926418132 | 0.6466124329247901 | 0.7143268639468638 | 0.5531616470555787 | 0.6732451219249319 | 0.5293192021757203 | 0 | 0.6101101926641512 | 0.6966423263856827 | 0.569056696364479 | 0.5800600943049423 | 0.561752816471301 | 0.5871313365281908 | 0.49087972928381
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 7333.025474899331 | 6573.0036525497 | 7535.9358403957185 | 9577.392936325825 | 8179.037606857145 | 9652.513752275863 | 0 | 9308.394568748905 | 7500.655215546921 | 8588.200032792794 | 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.juin. 24 | 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 | 0.28184313486566687 | 83405.28868 | -0.318708578924614 | 56823.30765 | 0 | 0 | 0.395199251903628 | 40727.73661 | -0.5577484217499984 | 92091.78353 | 0.0432914988171993 | 88270.42455 | 0.9346251274504883 | 45626.62983
Avoirs à la BRH | 1805564.3634399998 | -0.08278469440171071 | 1656091.26939 | 0.12214039995785113 | 1858366.9194 | 0 | 0 | -0.060197579923885844 | 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 | -0.1270315289198792 | 154985.32291 | 0.013440139949313989 | 157068.34734 | 0 | 0 | -0.3654292820404803 | 247519.05956999998 | -0.07051049648727735 | 266295.70171 | 0.6774874694783214 | 158746.76059 | 0.21999445720961408 | 130120.88674000002
Autres liquidités | 39892.510129999995 | -0.5954313644990982 | 16139.25839 | 2.3514931431740957 | 54090.61383 | 0 | 0 | 0.5367980676599372 | 35196.95591 | 0.29717943647048545 | 27133.451950000002 | -0.437785598237088 | 48261.75186 | -0.32333082732641344 | 71322.52186000001
2088061.84499 | -0.08497866384836399 | 1910621.13937 | 0.11290990369819398 | 2126349.1882200004 | 0 | 0 | -0.07584006988298314 | 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
Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres Placements | 2679722.57465 | -0.027596182780099527 | 2605772.4606799996 | -0.043374369548945635 | 2492748.72301 | 0 | 0 | -0.0935739203913028 | 2750084.95352 | 0.18139273896253613 | 2327832.95751 | 0.3553199920052403 | 1717552.29115 | 1.3053651725369102 | 745023.96046
Portefeuille net | 4874167.84484563 | -0.0057967397016179915 | 4845913.562587064 | 0.00474855588918264 | 4868924.653973157 | 0 | 0 | -0.038835602185325946 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 | 0.16623299565032765 | 4134099.53656
Immobilisations | 577804.8826 | -0.007045846327363741 | 573733.75819 | 0.058493851182600684 | 607293.65526 | 0 | 0 | -0.010911641154739055 | 613993.33015 | 0.10877876631930045 | 553756.39289 | -0.14263476851908946 | 645881.5596399999 | -0.1586219159201207 | 767647.23477
Autres actifs | 1548651.78523 | -0.0008888345999586941 | 1547275.2899399998 | 0.06327485913886506 | 1645178.91596 | 0 | 0 | 0.04505682002286181 | 1574248.2939099998 | 0.08235773898394184 | 1454462.0851399999 | 0.21300834492772563 | 1199053.65138 | 0.37682219535130007 | 870884.8938000001
11768408.93231563 | -0.024225256208229986 | 11483316.210767062 | 0.0223958759765716 | 11740495.136423156 | 0 | 0 | -0.04586243623428232 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 | 0.30251728040532055 | 7737938.365479999
PASSIF
Dépôts
À vue | 3659471.0740536405 | 0.025088360816158256 | 3751281.2047557924 | 0.008937759849843022 | 3784809.2552931295 | 0 | 0 | 0.007018714820016145 | 3758429.907600661 | 0.013955373289449001 | 3706701.504433726 | 0.3233124953696568 | 2801077.98982 | 0.5677553178101992 | 1786680.5859299998
Épargne | 1189608.93079988 | -0.005033676876196227 | 1183620.8238331962 | 0.026698629970909726 | 1215221.878234582 | 0 | 0 | -0.01480015864932214 | 1233477.541539746 | 0.0427844843690287 | 1182869.097142448 | 0.26046426769509096 | 938439.2143900001 | 0.5205444795007745 | 617173.14228
À terme | 3182206.6149361953 | -0.08579203738930918 | 2909198.6260470822 | 0.0007189640572612087 | 2911290.235294644 | 0 | 0 | -0.15356961731861574 | 3439491.6520742616 | 0.09809044179514938 | 3132248.0564090954 | 0.0994593422219099 | 2848898.48685 | 0.44518774624376867 | 1971299.91882
8031286.619789716 | -0.02330709561434453 | 7844100.654636071 | 0.00856958842650171 | 7911321.368822355 | 0 | 0 | -0.061683443773571316 | 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 | -0.07031349674746286 | 260482.522 | 0.39104535512751204 | 362343.00231999997 | 0 | 0 | 0.133854687074853 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252 | -0.23032796384839807 | 238151.85418
280183.1812 | -0.07031349674746286 | 260482.522 | 0.39104535512751204 | 362343.00231999997 | 0 | 0 | 0.133854687074853 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252 | -0.23032796384839807 | 238151.85418
Obligations à terme
Banques locales | 1601473.02019 | -0.01764456499345052 | 1573215.7254 | -0.01793743259388355 | 1544996.27437 | 0 | 0 | -0.05198166932419661 | 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 | 3713.0963899999997
Autres | 370242.5232599999 | 0.023866634907829604 | 379078.96638999996 | 0.015543973901041631 | 384971.35994999995 | 0 | 0 | 0.006556498136411528 | 382463.73716999986 | 0.09779651905649674 | 348392.19339000003 | 0.18399461421025867 | 294251.50182999996 | -0.06351369316988965 | 314208.01317
1971715.54345 | -0.009849722859119113 | 1952294.69179 | -0.011436315205840729 | 1929967.63432 | 0 | 0 | -0.0408550402563464 | 2012175.1302699998 | -0.03772347904082241 | 2091057.0781300003 | 0.031068213894702316 | 2028049.21144 | -0.013821562898600868 | 2056472.8807100002
Autres passifs | 378009.30194000003 | -0.007918689869899352 | 375015.96351000003 | 0.2442911594283558 | 466629.0480399999 | 0 | 0 | -0.01574048949371559 | 474091.48 | 0.19562892130427856 | 396520.58557 | -0.05432176213225878 | 419297.56834 | 1.196581714383247 | 190886.39661999998
10661194.646379715 | -0.02150798499129825 | 10431893.83193607 | 0.022849851178177217 | 10670261.053502355 | 0 | 0 | -0.0504547746808913 | 11237233.118534671 | 0.04075764066886524 | 10797166.102295268 | 0.17117847020627716 | 9219061.29336 | 0.3437562672056228 | 6860664.778539999
AVOIR DES ACTIONNAIRES
Capital versé | 300000 | 0 | 300000 | 0 | 300000 | 0 | 0 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000
Réserves | 364431.13370999997 | 0 | 364431.13370999997 | 0 | 364431.13370999997 | 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
Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BNR | 442783.15223 | -0.12600277767799822 | 386991.2451400001 | 0.04861015412168993 | 405802.94921000017 | 0 | 0 | -0.04244933691554471 | 423792.66690999997 | 0.17563829777614168 | 360478.78646999993 | 0.46997154018474685 | 245228.41199 | 0.3482887772356299 | 181881.22316999998
1107214.2859399999 | -0.05038943933299579 | 1051422.37885 | 0.01789167174715801 | 1070234.0829200002 | 0 | 0 | 0.002475507637885224 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 | -0.01998971053553195 | 877273.58677
11768408.932319716 | -0.02422525620695348 | 11483316.21078607 | 0.022395875974809486 | 11740495.136422355 | 0 | 0 | -0.04586243717994333 | 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 | 358232.595649582 | 433920.49467 | 339205.39168 | 339205.39168 | 131146564.07841 | 525606.4589699999 | 391390.95843999996
Portefeuille brut | 5129677.950155631 | -0.0036120153913374747 | 5111149.474447064 | 0.008506777219775273 | 5154628.884363157 | 0.034736595637372435 | 5333683.14358 | -0.033570471735345886 | 5333683.14358 | 0.010347413503000485 | 5279058.54194 | 0.04952014005725682 | 5029973.547389 | 0.16284924310958557 | 4325559.46284
Provisions pour créances douteuses | 255510.10531 | 0.03806427357618617 | 265235.91186 | 0.07717023832279478 | 285704.23039 | -0.061859072775628667 | 268030.83161 | 0.06593793211713711 | 268030.83161 | 0.20634902092474205 | 222183.48667 | 0.06486081581842533 | 208650.26055 | 0.08978554731531672 | 191459.92628
Portefeuille de crédit improductif | 326244.95649 | 0.7664574371038119 | 576297.82970937 | -0.09027564869973892 | 524272.169288105 | -0.5784020253637848 | 221032.08473 | 1.3719279032658336 | 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 | 83405.28868 | 0.007263170947238828 | 56823.30765 | 0.004839941330388534 | 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 | 1656091.26939 | 0.14421716157543452 | 1858366.9194 | 0.15828692894175225 | 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 | 154985.32291 | 0.01349656493519543 | 157068.34734 | 0.013378340991149394 | 0 | 0 | 247519.05956999998 | 0.02011561094651173 | 266295.70171 | 0.022664813904732687 | 158746.76059 | 0.015750564077850103 | 130120.88674000002 | 0.01681596319253292
Autres liquidités | 39892.510129999995 | 0.0033897963912909745 | 16139.25839 | 0.0014054527536973512 | 54090.61383 | 0.0046071833599412556 | 0 | 0 | 35196.95591 | 0.0028604192049576584 | 27133.451950000002 | 0.0023093675004543365 | 48261.75186 | 0.004788443004159895 | 71322.52186000001 | 0.009217251222648597
2088061.84499 | 0.17742940927692075 | 1910621.13937 | 0.16638235021156614 | 2126349.1882200004 | 0.18111239462323148 | 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 | 2605772.4606799996 | 0.22691811431934253 | 2492748.72301 | 0.21232057882095742 | 0 | 0 | 2750084.95352 | 0.22349648181019918 | 2327832.95751 | 0.19812524364634312 | 1717552.29115 | 0.17041240601239993 | 745023.96046 | 0.09628197140774004
Portefeuille net | 4874167.84484563 | 0.41417390174650875 | 4845913.562587064 | 0.42199600478156357 | 4868924.653973157 | 0.4147120370475718 | 0 | 0 | 5065652.31197 | 0.4116801804067479 | 5056875.055269999 | 0.43039797988175854 | 4821323.286839 | 0.47836290382968716 | 4134099.53656 | 0.5342636941905331
Immobilisations | 577804.8826 | 0.04909796098377993 | 573733.75819 | 0.04996237564650984 | 607293.65526 | 0.05172640916786899 | 0 | 0 | 613993.33015 | 0.04989858548471751 | 553756.39289 | 0.047131010800451754 | 645881.5596399999 | 0.06408319044749322 | 767647.23477 | 0.09920565382047745
Autres actifs | 1548651.78523 | 0.13159398132210187 | 1547275.2899399998 | 0.13474115504101797 | 1645178.91596 | 0.14012858034037037 | 0 | 0 | 1574248.2939099998 | 0.13376899995267585 | 1454462.0851399999 | 0.12379138033210564 | 1199053.65138 | 0.10188749033758009 | 870884.8938000001 | 0.11254740638477254
11768408.93231563 | 1 | 11483316.210767062 | 1 | 11740495.136423156 | 1 | 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 | 3751281.2047557924 | 0.32667229012107946 | 3784809.2552931295 | 0.3223722007729739 | 0 | 0 | 3758429.907600661 | 0.3054436047162173 | 3706701.504433726 | 0.315482748158936 | 2801077.98982 | 0.277917849798912 | 1786680.5859299998 | 0.2308987874471353
Épargne | 1189608.93079988 | 0.10108494169787527 | 1183620.8238331962 | 0.10307308464809163 | 1215221.878234582 | 0.10350686782063691 | 0 | 0 | 1233477.541539746 | 0.100243409052935 | 1182869.097142448 | 0.10067570669837063 | 938439.2143900001 | 0.09311022741177188 | 617173.14228 | 0.07975937686881739
À terme | 3182206.6149361953 | 0.2704024505978858 | 2909198.6260470822 | 0.2533413321248909 | 2911290.235294644 | 0.24796997072660035 | 0 | 0 | 3439491.6520742616 | 0.2795238316075375 | 3132248.0564090954 | 0.2665901809383463 | 2848898.48685 | 0.2826625123035597 | 1971299.91882 | 0.25475776953900775
8031286.619789716 | 0.6824445569473788 | 7844100.654636071 | 0.683086706894062 | 7911321.368822355 | 0.6738490393202111 | 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 | 260482.522 | 0.022683562589329784 | 362343.00231999997 | 0.0308626678951456 | 0 | 0 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 | 238151.85418 | 0.03077717124789052
280183.1812 | 0.023808076589744175 | 260482.522 | 0.022683562589329784 | 362343.00231999997 | 0.0308626678951456 | 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 | 1573215.7254 | 0.13700012231004413 | 1544996.27437 | 0.13159549545545798 | 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 | 379078.96638999996 | 0.033011279967590325 | 384971.35994999995 | 0.032790044668191465 | 0 | 0 | 382463.73716999986 | 0.03108242149685796 | 348392.19339000003 | 0.029652165537561396 | 294251.50182999996 | 0.029195097382472144 | 314208.01317 | 0.04060616643985236
1971715.54345 | 0.16754308545785995 | 1952294.69179 | 0.17001140227763445 | 1929967.63432 | 0.16438554012364945 | 0 | 0 | 2012175.1302699998 | 0.16352733461041194 | 2091057.0781300003 | 0.17797290469075117 | 2028049.21144 | 0.20121934418755807 | 2056472.8807100002 | 0.26576496006794353
Autres passifs | 378009.30194000003 | 0.03212068038373479 | 375015.96351000003 | 0.032657462062951385 | 466629.0480399999 | 0.03974526138956031 | 0 | 0 | 474091.48 | 0.03852891078894441 | 396520.58557 | 0.03374844289122898 | 419297.56834 | 0.04160194005396241 | 190886.39661999998 | 0.0246688959777155
10661194.646379715 | 0.9059163993787176 | 10431893.83193607 | 0.9084391338239776 | 10670261.053502355 | 0.9066868014929528 | 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 | 300000 | 0.026124857531895886 | 300000 | 0.025552585007193967 | 0 | 0 | 300000 | 0.024380681206680455 | 300000 | 0.025533435679801177 | 300000 | 0.029765452887311927 | 300000 | 0.03877001674481423
Réserves | 364431.13370999997 | 0.030966899247466248 | 364431.13370999997 | 0.031735704827870165 | 364431.13370999997 | 0.03104052507797615 | 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 | 386991.2451400001 | 0.033700303817911656 | 405802.94921000017 | 0.03456438118619515 | 0 | 0 | 423792.66690999997 | 0.03444117969887209 | 360478.78646999993 | 0.030680873027548423 | 245228.41199 | 0.024331115812395547 | 181881.22316999998 | 0.023505126892893975
1107214.2859399999 | 0.0940836006216294 | 1051422.37885 | 0.0915608661776777 | 1070234.0829200002 | 0.09115749127136527 | 0 | 0 | 1067591.25262 | 0.08676200663056292 | 952134.0609299999 | 0.08103751267768017 | 859737.1417099999 | 0.0853015512901374 | 877273.58677 | 0.11337303882952046
11768408.932319716 | 1.000000000000347 | 11483316.21078607 | 1.0000000000016553 | 11740495.136422355 | 0.9999999999999318 | 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)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 10538.95508 | 46284.35257 | 56823.30765 | 0.18546887739999415 | 1731.55089 | 38996.18572 | 40727.73661 | 0.042515274211797155
Avoirs à la BRH | 1313527.70458 | 544839.2148200001 | 1858366.9194 | 0.7068182773098926 | 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 | 106693.95263 | 50374.39471 | 157068.34734 | 0.6792836012913764 | 138700.85493 | 108818.20464 | 247519.05956999998 | 0.5603643419256549
Autres liquidités | 44412.58453 | 9678.0293 | 54090.61383 | 0.8210774732485597 | 20442.57331 | 14754.382599999999 | 35196.95591 | 0.5808051515100472
1475173.19682 | 651175.9914000002 | 2126349.18822 | 0.6937586756645979 | 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 | 1583331.4479399999 | 909417.27507 | 2492748.72301 | 0 | 1813428.37645 | 936656.57707 | 2750084.95352 | 0.6594081299666338
Portefeuille net | 2636357.9093431565 | 2232566.74463 | 4868924.653973157 | 0.5414661545834 | 2733265.72221 | 2332386.58976 | 5065652.311969999 | 0.539568362351156
Immobilisations | 0 | 607293.65526 | 607293.65526 | 0 | 0 | 613993.33015 | 613993.33015 | 0
Autres actifs | 1172365.67612 | 472813.23984 | 1645178.91596 | 0.7126067959823674 | 1192819.44 | 381428.89 | 1574248.2939099995 | 0.7577073099678353 | #REF!
6867228.2302231565 | 4873266.9062 | 11740495.136423156 | 0.584918110388598 | 7351236.120959999 | 4953588.2740899995 | 12304824.395049999 | 0.5974271460482821 | #REF!
#REF!
PASSIF | #REF!
Dépôts | #REF!
À vue | 3214015.9552731295 | 570793.3000200001 | 3784809.2552931295 | 0.8491883575845376 | 3211899.3009306607 | 546530.60667 | 3758429.907600661 | 0.8545853933407797
Épargne | 920169.5053945819 | 295052.37284 | 1215221.878234582 | 0.7572028794703413 | 884072.7605897462 | 349404.7809499999 | 1233477.541539746 | 0.7167319475360378
À terme | 2054370.5267546438 | 856919.70854 | 2911290.235294644 | 0.7056563793773473 | 2566181.5064642616 | 873310.1456100001 | 3439491.6520742616 | 0.7460932504129408
6188555.987422355 | 1722765.3814 | 7911321.368822356 | 0.7822405005326634 | 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 | 211526.00254000002 | 150816.99978 | 362343.00232 | 0.5837728372995946 | 134109.28021 | 185458.12684000004 | 319567.40705000004 | 0.4196588176747857
211526.00254000002 | 150816.99978 | 362343.00232 | 0.5837728372995946 | 134109.28021 | 185458.12684000004 | 319567.40705000004 | 0.4196588176747857
Obligations à terme
Banques locales | 0 | 1544996.27437 | 1544996.27437 | 0 | 0 | 1629711.3931 | 1629711.3931 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 316935.12 | 68036.23995000008 | 384971.3599500001 | 0.8232693466889678 | 322219.44 | 60244.297170000005 | 382463.73717 | 0.8424836361852988
316935.12 | 1613032.51432 | 1929967.6343200002 | 0.16421784198037503 | 322219.44 | 1689955.69027 | 2012175.1302699998 | 0.16013488843625834
Autres passifs | 147145.43327 | 319483.6147699999 | 466629.0480399999 | 0.3153370624654866 | 233849.04 | 240242.44643000004 | 474091.4677100001 | 0.4932572212901426
6864162.543232355 | 3806098.51027 | 10670261.053502357 | 0.6432984637221499 | 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 | 405802.94921000017 | 405802.94921000017 | 0 | 0 | 423792.66690999997 | 423792.66690999997 | 0
0 | 1070234.0829200002 | 1070234.0829200002 | 0 | 1067591.25262 | 1067591.25262
6864162.543232355 | 4876332.59319 | 11740495.136422355 | 0.5846569896305115 | 7352331.3281946685 | 4952493.04939 | 12304824.37758467 | 0.5975161532242744
*Converties au taux de 132.0563 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 | -0.013599716048981213 | 120954.25802000001 | 0.08997076769468161 | 131836.60547 | 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 | 0.0424038924608679 | 43070.10773000001 | -0.048679415272036335 | 40973.48007 | 0 | 0 | 29182.915700000005 | 0.47556542885123737 | 43061.301520000015 | -0.2030511858992231 | 34317.653179999994 | 0 | 38321.148270000005
163939.94189000005 | 0.0005149682196217152 | 164024.36575000003 | 0.05356350411615582 | 172810.08554 | 0 | 0 | 147807.59078 | 0.33594135286263554 | 197462.27279000002 | 0.02646772877752809 | 202688.65067 | -0.02121560711853158 | 198388.48789
Dépenses d'intérêt | 44961.8767 | 0.12069338829391008 | 50388.47794297601 | -0.058652140203968854 | 47433.08586999999 | 0 | 0 | 41304.206584987005 | 0.09900958832392664 | 45393.71907501299 | 0.0808500014929861 | 49063.80132999998 | -0.05013050206809033 | 46604.20833595804
118978.06519000005 | -0.04490052325565164 | 113635.88780702402 | 0.10332221703512105 | 125376.99967000002 | 0 | 0 | 106503.384195013 | 0.4278283724444093 | 152068.55371498704 | 0.010234171279946877 | 153624.84934000002 | -0.011980937939828663 | 151784.27955404195
AUTRES REVENUS | .
Commissions | 4884.2896 | 0.2217820499423285 | 5967.537359999996 | -0.004436416297523966 | 5941.062880000009 | 0 | 0 | 3889.0671199999997 | 0.44728666446877935 | 5628.594980000002 | -0.034163092331792 | 5436.304770000001 | 0.13998843556373947 | 6197.324569999995
Gains sur change | 5272.2414 | -0.40484567721045545 | 3137.7972600000003 | 0.18199774640634372 | 3708.8692900000005 | 0 | 0 | 7234.12361 | 0.029831292860642813 | 7449.92687 | -0.6426217765007403 | 2662.4416300000003 | 0.4227023110362046 | 3787.86186
Autres | 7443.003279999999 | 0.4808053047102782 | 11021.638739999999 | -0.2645171492891809 | 8106.226279999999 | 0 | 0 | 8082.119930000001 | 0.34092536783229815 | 10837.519639999999 | 0.2205944219170059 | 13228.216019999996 | -0.03517358949207658 | 12762.932180000005
17599.53428 | 0.14360829325308694 | 20126.973359999996 | -0.11779291737483508 | 17756.15845000001 | 0 | 0 | 19205.31066 | 0.24528271962875922 | 23916.04149 | -0.10825700695838705 | 21326.962419999996 | 0.06663659653037461 | 22748.118609999998
PRODUIT NET BANCAIRE | 136577.59947000004 | -0.0206090772857251 | 133762.861167024 | 0.07005155893963526 | 143133.15812000004 | 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 | 7.533407839803915 | 11900 | 0.7647058823529411 | 21000 | 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 | -0.11948168147417393 | 121862.861167024 | 0.002218042071124229 | 122133.15812000004 | 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 | -0.0078083077704638945 | 39649.642270000004 | 0.006480443587618701 | 39906.58954 | 0 | 0 | 37936.44096 | 0.014071260415884907 | 38470.2545 | 0.03467515973932538 | 39804.216720000004 | 0.03219774826911818 | 41085.82286999999
Frais de locaux | 19600.97696 | 0.1402584930134013 | 22350.18045 | -0.016211163073629863 | 21987.858029999996 | 0 | 0 | 17579.21165 | 0.03842936949905809 | 18254.769669999998 | 0.030881577811767712 | 18818.50576 | 0.16419879662114056 | 21908.481760000002
Amortissement | 4369.13132 | 0.015489971585472684 | 4436.809039999999 | -0.15559774238108728 | 3746.45157 | 0 | 0 | 3713.60757 | 0.03842739096958481 | 3856.31182 | 0.10609596658602169 | 4265.45095 | 0.014728768595968252 | 4328.275790000003
Autres dépenses d'exploitation | 32197.33444000002 | -0.09577069417799966 | 29113.773370000003 | 0.05526689926280754 | 30722.80135 | 0 | 0 | 22055.544840000002 | 0.6669999683399308 | 36766.59254999993 | -0.19173418233993897 | 29717.17999 | 0.31780386507663344 | 39161.41464999999
96129.11805000002 | -0.00602016258693866 | 95550.40513 | 0.008511689289997982 | 96363.70048999999 | 0 | 0 | 81284.80502 | 0.19761532940932353 | 97347.92853999994 | -0.04871778158126115 | 92605.35342 | 0.14986867537835688 | 106483.99506999999
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 42269.88922000001 | -0.3775130116836393 | 26312.456037024007 | -0.02063655351138301 | 25769.457630000048 | 0 | 0 | 49324.753965013006 | 0.3205674925654934 | 65136.666664987104 | 0.07230630482269614 | 69846.45834000001 | -0.24366966415262428 | 52826.995294041946
Impôts sur le revenu | 11412.870089400007 | -0.377513011613236 | 7104.363130799988 | -0.02063655362215014 | 6957.753560100007 | 0 | 0 | 13317.683571899997 | 0.3205674923308724 | 17586.899998200035 | 0.0723063049047919 | 18858.54375179997 | -0.3111090152409014 | 12991.480776300028
BÉNÉFICE NET | 30857.019130600005 | -0.377513011709679 | 19208.092906224017 | -0.020636553470414157 | 18811.704069900043 | 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- juin. 24) | 2023 (oct22.- juin. 23) | 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 | 120954.25802000001 | -0.21662242779232227 | 154400.97127 | 131836.60547 | -0.21698744180790325 | 168370.99749 | 0 | 0 | 160067.33961999998 | 375412.74427 | -0.14948890185471875 | 441396.64384000003 | 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 | 43070.10773000001 | 0.0002045040370158135 | 43061.301520000015 | 40973.48007 | 0.19394761218342743 | 34317.653179999994 | 0 | 0 | 38321.148270000005 | 125361.64891000002 | 0.17642125123584543 | 106561.87040000001 | 144883.01867000002
163939.94189000005 | 0.10914426671098229 | 147807.59078 | 164024.36575000003 | -0.169338206066133 | 197462.27279000002 | 172810.08554 | -0.1474111403437466 | 202688.65067 | 0 | 0 | 198388.48789 | 500774.39318 | -0.08610892947879972 | 547958.51424 | 746347.00213
Dépenses d'intérêt | 44961.8767 | 0.08855442138773494 | 41304.206584987005 | 50388.47794297601 | 0.11003193767202014 | 45393.71907501299 | 47433.08586999999 | -0.03323663099464928 | 49063.80132999998 | 0 | 0 | 46604.20833595804 | 142783.440512976 | 0.05172086182649431 | 135761.72698999997 | 182365.935325958
118978.06519000005 | 0.11712943292154256 | 106503.384195013 | 113635.88780702402 | -0.25273250102710293 | 152068.55371498704 | 125376.99967000002 | -0.18387552398819487 | 153624.84934000002 | 0 | 0 | 151784.27955404195 | 357990.952667024 | -0.13150474787689181 | 412196.78725000005 | 563981.0668040421
AUTRES REVENUS
Commissions | 4884.2896 | 0.25590262376340794 | 3889.0671199999997 | 5967.537359999996 | 0.06021793737235539 | 5628.594980000002 | 5941.062880000009 | 0.0928494871710454 | 5436.304770000001 | 0 | 0 | 6197.324569999995 | 16792.889840000003 | 0.12297225117498212 | 14953.966870000002 | 21151.291439999997
Gains sur change | 5272.2414 | -0.27119832557022067 | 7234.12361 | 3137.7972600000003 | -0.5788150253346044 | 7449.92687 | 3708.8692900000005 | 0.39303308970570755 | 2662.4416300000003 | 0 | 0 | 3787.86186 | 12118.90795 | -0.30136261134816833 | 17346.49211 | 21134.35397
Autres | 7443.003279999999 | -0.07907784783391623 | 8082.119930000001 | 11021.638739999999 | 0.01698904418317621 | 10837.519639999999 | 8106.226279999999 | -0.3872018518790411 | 13228.216019999996 | 0 | 0 | 12762.932180000005 | 26570.8683 | -0.17347929395747289 | 32147.855589999996 | 44910.78777
17599.53428 | -0.0836110599004494 | 19205.31066 | 20126.973359999996 | -0.15843207713050356 | 23916.04149 | 17756.15845000001 | -0.16743143724262197 | 21326.962419999996 | 0 | 0 | 22748.118609999998 | 55482.66609 | -0.13911377729299715 | 64448.31457 | 87196.43317999999
PRODUIT NET BANCAIRE | 136577.59947000004 | 0.08646104096079248 | 125708.694855013 | 133762.861167024 | -0.2399172154175376 | 175984.59520498704 | 143133.15812000004 | -0.18187095817932428 | 174951.81176 | 0 | 0 | 174532.39816404195 | 413473.618757024 | -0.13253358278888194 | 476645.10182000004 | 651177.499984042
Dotation à la provision pour créances douteuses | -1821.4077999999997 | 0.6283496641234164 | -4900.864129999998 | 11900 | -0.1185185185185184 | 13499.999999999998 | 21000 | 0.68 | 12500 | 0 | 0 | 15221.4078 | 31078.5922 | 0.4729793860510365 | 21099.13587 | 36320.54367
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 138399.00727000003 | 0.05963918985348414 | 130609.558985013 | 121862.861167024 | -0.25000360179816145 | 162484.59520498704 | 122133.15812000004 | -0.24818839016437186 | 162451.81176 | 0 | 0 | 159310.99036404194 | 382395.026557024 | -0.16057861305044457 | 455545.96595000004 | 614856.956314042
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 39961.67533 | 0.05338493329238227 | 37936.44096 | 39649.642270000004 | 0.030657134592130163 | 38470.2545 | 39906.58954 | 0.0025719089191009927 | 39804.216720000004 | 0 | 0 | 41085.82286999999 | 119517.90714000001 | 0.028456836780334064 | 116210.91218000001 | 157296.73505000002
Frais de locaux | 19600.97696 | 0.11500887242574377 | 17579.21165 | 22350.18045 | 0.2243474365349252 | 18254.769669999998 | 21987.858029999996 | 0.16841678666840101 | 18818.50576 | 0 | 0 | 21908.481760000002 | 63939.015439999996 | 0.16991959298039683 | 54652.48708 | 76560.96884
Amortissement | 4369.13132 | 0.17651939189686655 | 3713.60757 | 4436.809039999999 | 0.15053171192987172 | 3856.31182 | 3746.45157 | -0.12167514902498179 | 4265.45095 | 0 | 0 | 4328.275790000003 | 12552.391930000002 | 0.06058294496934181 | 11835.370340000001 | 16163.646130000005
Autres dépenses d'exploitation | 32197.33444000002 | 0.4598294747907038 | 22055.544840000002 | 29113.773370000003 | -0.20814600019277393 | 36766.59254999993 | 30722.80135 | 0.03383973042995326 | 29717.17999 | 0 | 0 | 39161.41464999999 | 92033.90916000002 | 0.03946937793750689 | 88539.31737999993 | 127700.73202999993
96129.11805000002 | 0.1826210080266244 | 81284.80502 | 95550.40513 | -0.0184649374358422 | 97347.92853999994 | 96363.70048999999 | 0.04058455511696474 | 92605.35342 | 0 | 0 | 106483.99506999999 | 288043.22367000004 | 0.061957142070683015 | 271238.0869799999 | 377722.08204999997
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 42269.88922000001 | -0.14302888869992428 | 49324.753965013006 | 26312.456037024007 | -0.59604233092929 | 65136.666664987104 | 25769.457630000048 | -0.6310556291264052 | 69846.45834000001 | 0 | 0 | 52826.995294041946 | 94351.80288702395 | -0.4880750437023822 | 184307.87897000014 | 237134.874264042
Impôts sur le revenu | 11412.870089400007 | -0.14302888878656816 | 13317.683571899997 | 7104.363130799988 | -0.5960423308526746 | 17586.899998200035 | 6957.753560100007 | -0.6310556291264049 | 18858.54375179997 | 0 | 0 | 12991.480776300028 | 25474.9867803 | -0.4880750436862346 | 49763.1273219 | 62754.60809820003
BÉNÉFICE NET | 30857.019130600005 | -0.143028888667878 | 36007.07039311301 | 19208.092906224017 | -0.5960423309576273 | 47549.766666787065 | 18811.704069900043 | -0.6310556291264053 | 50987.914588200045 | 0 | 0 | 39835.51451774192 | 68876.81610672394 | -0.4880750437083547 | 134544.75164810015 | 174380.26616584198
Com /sal | 0.12222434519238662 | 0.10251533938306477 | 0.15050671376460809 | 0.14631031307578174 | 0.14887423226294594 | 0.1365761021813671 | #DIV/0! | 0.15083851647827534
[SGBELVARAN ]
SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 375412.74427 | -0.14948890185471875 | 441396.64384000003 | 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 | 125361.64891000002 | 0.17642125123584543 | 106561.87040000001 | 144883.01867000002 | 1.1587216066983668 | 67115.19365 | 1.3117820354313419 | 29031.799980000003 | 1.1462495557952865 | 13526.75876
500774.39318 | -0.08610892947879972 | 547958.51424 | 746347.00213 | 0.3064707936721402 | 571269.56511 | 0.02201170534324406 | 558965.7751699999 | -0.08924414878749332 | 613738.33001
Dépenses d'intérêt | 142783.440512976 | 0.05172086182649431 | 135761.72698999997 | 182365.935325958 | 0.12735606709473118 | 161764.273638875 | 0.041186249571496025 | 155365.35726 | -0.14433742820447154 | 181573.16024
357990.952667024 | -0.13150474787689181 | 412196.78725000005 | 563981.0668040421 | 0.37722534616823017 | 409505.291471125 | 0.014630494169710599 | 403600.41790999996 | -0.06609683949125827 | 432165.16977000004
AUTRES REVENUS
Commissions | 16792.889840000003 | 0.12297225117498212 | 14953.966870000002 | 21151.291439999997 | -0.05650714516171521 | 22418.072729999996 | 0.0651965355925976 | 21045.949719999997 | -0.11813599489783431 | 23865.300769999998
Gains sur change | 12118.90795 | -0.30136261134816833 | 17346.49211 | 21134.35397 | 1.7073940625777582 | 7806.161010000002 | -0.6010075300715816 | 19564.682539999998 | -0.608612221926647 | 49987.975190000005
Autres | 26570.8683 | -0.17347929395747289 | 32147.855589999996 | 44910.78777 | -0.4729440636117505 | 85210.66678 | 1.3413139305349486 | 36394.379100000006 | -0.04998515985984101 | 38309.274300000005
55482.66609 | -0.13911377729299715 | 64448.31457 | 87196.43317999999 | -0.24462677416270193 | 115434.90052 | 0.49905698968524886 | 77005.01136 | -0.3134516718682177 | 112162.55026
PRODUIT NET BANCAIRE | 413473.618757024 | -0.13253358278888194 | 476645.10182000004 | 651177.499984042 | 0.24047941064312955 | 524940.191991125 | 0.09224773592022438 | 480605.42926999996 | -0.11706604020917423 | 544327.7200300001
Dotation à la provision pour créances douteuses | 31078.5922 | 0.4729793860510365 | 21099.13587 | 36320.54367 | 2.282431105353218 | 11065.13511 | -0.7101019931550905 | 38169.06239000001 | -0.4548554297887071 | 70016.40385999999
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 382395.026557024 | -0.16057861305044457 | 455545.96595000004 | 614856.956314042 | 0.1965106071616104 | 513875.056881125 | 0.1614665867204832 | 442436.36688 | -0.0672025907949784 | 474311.3161700001
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 119517.90714000001 | 0.028456836780334064 | 116210.91218000001 | 157296.73505000002 | 0.1764421657291397 | 133705.455 | 0.022683683752367855 | 130739.79483999997 | 0.09225518483576824 | 119697.11534
Frais de locaux | 63939.015439999996 | 0.16991959298039683 | 54652.48708 | 76560.96884 | 0.31629344127582826 | 58164.05859 | 0.1790164787618951 | 49332.693510000005 | 0.05880450071849114 | 46592.82566
Amortissement | 12552.391930000002 | 0.06058294496934181 | 11835.370340000001 | 16163.646130000005 | -0.14805086993787658 | 18972.54843 | -0.020209238917490813 | 19363.877660000002 | 0.11487532030262587 | 17368.64859
Autres dépenses d'exploitation | 92033.90916000002 | 0.03946937793750689 | 88539.31737999993 | 127700.73202999993 | 0.5194406144074976 | 84044.56931 | 0.015740797351912778 | 82742.14202 | -0.009560738240887698 | 83540.85426000001
288043.22367000004 | 0.061957142070683015 | 271238.0869799999 | 377722.08204999997 | 0.2809060904063194 | 294886.63133 | 0.04503575906159715 | 282178.50802999997 | 0.056059488613340494 | 267199.44385
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 94351.80288702395 | -0.4880750437023822 | 184307.87897000014 | 237134.874264042 | 0.08286487592779426 | 218988.42555112502 | 0.3664754235615759 | 160257.85885000002 | -0.22622562842562635 | 207111.87232000014
Impôts sur le revenu | 25474.9867803 | -0.4880750436862346 | 49763.1273219 | 62754.60809820003 | 0.061355067012540426 | 59126.87473649999 | 0.394729207997185 | 42393.085623700026 | -0.22561407313704365 | 54744.1322900001
BÉNÉFICE NET | 68876.81610672394 | -0.4880750437083547 | 134544.75164810015 | 174380.26616584198 | 0.09082055864735597 | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999 | -0.2264453538321608 | 152367.74003000004
[unibkinfin]
UNIBANK (UNIBK)
INDICATEURS FINANCIERS
Var.juin. 24 | 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 | 0.02522372642618159 | 237486826.71488774 | 0.0005550070290046248 | 237618633.5730105 | 0 | 0 | 0.022528398612777594 | 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 | 0
Prêts nets | 46073606.79762 | -0.06110483654940226 | 43258286.58501 | -0.0490698883384705 | 41135607.29257 | 0 | 0 | -0.17673044923143416 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003
Dépôts | 191376545.65769842 | 0.03306534786528136 | 197704477.71312612 | 0.018717004498176367 | 201404913.3117923 | 0 | 0 | 0.04159161742969298 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 | 0.5242263625731667 | 102797482.25206877
Avoir des Actionnaires | 20209577.04199 | 0.05382823695319065 | 21297422.94373 | -0.10574515564396131 | 19045323.63973 | 0 | 0 | -0.01855471406549982 | 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 - juin. 24) | (oct. 22- juin 23)
Résultats
Revenus nets d'intérêt | 2065121.0358399998 | 0.31244326756747487 | 1573493.5649200003 | 2074803.7950499998 | 0.2033189917069252 | 1724234.2299499994 | 2036553.453704 | 0.09716138451126383 | 1856202.27111 | 0 | 0 | 2076773.7604700003 | 6176478.284594 | 0.19840164797027904 | 5153930.0659799995
Autres revenus | 1512647.5709499998 | -0.4401478080588328 | 2701869.51614 | 1446979.64698 | -0.3725378747689041 | 2306082.8515300006 | 1002091.5624200001 | -0.2505761398418361 | 1337149.2631799998 | 0 | 0 | 1807399.24514 | 3961718.78035 | -0.3756256383525757 | 6345101.63085
Dot. à la prov. pr créances douteuses | 254514.85327000002 | 1.4849390072411293 | 102422.978 | 225857.13683 | 1.0221266292053097 | 111692.875 | 341325.97072000004 | 1.773580693095712 | 123063.29200000002 | 0 | 0 | 184222.11544999998 | 821697.9608200002 | 1.436977413950083 | 337179.145
Dépenses d'exploitation | 2276514.5194800003 | 0.41127610500931355 | 1613089.3957600002 | 2308831.79796 | 0.23089613597635583 | 1875732.4281699997 | 2338775.5001999997 | 0.018643356942451894 | 2295970.89527 | 0 | 0 | 2711852.0248 | 6924121.817639999 | 0.196952449939738 | 5784792.7192
Bénéfice (perte) net | 822123.0696699995 | -0.6279744622085436 | 2209856.5451999996 | 830796.8896399993 | -0.5275325775720003 | 1758421.5338500005 | 160371.35749400005 | -0.7003054302411688 | 535115.9936699998 | 0 | 0 | 810635.5975300006 | 1813291.316804001 | -0.5973500680768111 | 4503394.072720001
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 - juin. 24) | (oct. 22- juin 23) | 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 | 0.08967833390311958 | 0.07883571077908672 | 0.08015080026911336 | 0.07927892782413647 | 0 | 0.08350589749755921 | 0.08015080026911336 | 0.07927892782413647 | 0.08350589749755921 | 0.07528974387734151 | 0.0734203971703253 | 0.0924458378601654
Dépôts en % de l'actif | 0.8261669836757143 | 0.8532835197444018 | 0.832486081219478 | 0.8476089672750888 | 0.8475973044845778 | 0.8407986026386371 | 0 | 0.8320845712658815 | 0.8475973044845778 | 0.8407986026386371 | 0.8320845712658815 | 0.8557027313876048 | 0.8631776716154627 | 0.8498735706272129
Qualité de l'actif
Prêts improductifs bruts
en % des prêts bruts | 0.02628287850735127 | 0.011291345643897582 | 0.011149483370252043 | 0.00233734323813193 | 0.00851933571922217 | 0.011730670301705461 | 0 | 0.014016912999195625 | 0.00851933571922217 | 0.011730670301705461 | 0.014016912999195625 | 0.00150175380596432 | 0.00510104968168687 | 0.007357425798568143
Provisions pour créances douteuses
en % des prêts improductifs bruts | 1.1589108153433003 | 1.4402901001321995 | 2.179968148414549 | 7.972499442770248 | 3.300025578827929 | 2.1031925361286063 | 0 | 1.8330676265606023 | 3.300025578827929 | 2.1031925361286063 | 1.8330676265606023 | 9.169258965939676 | 4.3646363278449485 | 3.4385272737597514
Prêts improductifs nets
en % de l'avoir des actionnaires | -0.00982099343680555 | -0.015492899917854087 | -0.027387566034684025 | -0.046307119696870055 | -0.04354643836400344 | -0.03890774534898717 | 0 | -0.030859638379443253 | -0.04354643836400344 | -0.03890774534898717 | -0.030859638379443253 | -0.03944924059046916 | -0.05380588016584977 | -0.05158466141060321
Rentabilité
ROA (rendement de l'actif) | 0.014173701397207536 | 0.037837659694226165 | 0.01416742643038573 | 0.027531513668261513 | 0.002700391738656429 | 0.008612481472378457 | 0 | 0.013886353655121069 | 0.010288133004820968 | 0.02649047639411556 | 0.02356083406257302 | 0.022344288908249615 | 0.026942727683757217 | 0.004703772889657475
ROE (rendement avoir des action.) | 0.16602274031568567 | 0.5032472402782824 | 0.16012660802772066 | 0.3574729135761009 | 0.03180177277463805 | 0.10895679533472302 | 0 | 0.17063122265722164 | 0.12575694132288381 | 0.3424560339146258 | 0.2962793081678389 | 0.3001573948726735 | 0.33250992580766514 | 0.05209944945323502
Revenus nets d'intérêt
en % des revenus d'intérêt | 0.8650701965081747 | 0.8743166236176858 | 0.8994082578297719 | 0.851717777207179 | 0.8775537016611055 | 0.8535245148360923 | 0 | 0.8902386290997274 | 0.8804923862504328 | 0.8591525284397574 | 0.8678564774472659 | 0.8223947513581819 | 0.8144197355633667 | 0.7526856023912105
Rendement moyen des prêts | 0.13202374169997094 | 0.09343527434788128 | 0.12931500585199765 | 0.09559326437023316 | 0.13122220752475516 | 0.10590357047153512 | 0 | 0.1255458351183187 | 0.1292426883122328 | 0.10320691992774127 | 0.11313361988764775 | 0.07746518073442459 | 0.07923305842060718 | 0.10349718727420207
Rendement moyen des prêts productifs | 0.13470660359022787 | 0.09405852332098852 | 0.13181669689188685 | 0.09624681936865803 | 0.1325296009332405 | 0.10664118719564344 | 0 | 0.12717679014573793 | 0.13075039457572285 | 0.10390892750685576 | 0.11400684210529684 | 0.07770523120931115 | 0.07971792423496582 | 0.10427436132643232
Rémunération moyenne des dépôts | 0.006697698674737563 | 0.004532782905914557 | 0.004771252827899299 | 0.0055269980924393825 | 0.005695945323667079 | 0.006071686488010882 | 0 | 0.005243826767135405 | 0.0056628904760808564 | 0.005861070269052215 | 0.005786844443795254 | 0.004906166998469684 | 0.00552208416672816 | 0.009864320691438952
Dépenses d'exploitation
en % du produit net bancaire | 0.6362945091416926 | 0.37729880835291857 | 0.655585965453106 | 0.46540567162551866 | 0.7696771053511438 | 0.7189847001233703 | 0 | 0.6981800297986752 | 0.682973685881716 | 0.503067812291945 | 0.5523325541297847 | 0.572965483892479 | 0.5273483255696426 | 0.892320545087006
(revenus nets d'int.+autres revenus)
Productivité par employé ('000 gdes) | 8983.725315229127 | 12663.052442976674 | 8907.451007347454 | 12008.393538860335 | 7778.93124127744 | 9695.184923840607 | 0 | 10681.809571976626 | 8588.053422231258 | 11416.263784393152 | 13858.742975171173 | 8302.657319481008 | 7150.438652770809 | 4908.461462201694
[unibkvar]
UNIBANK (UNIBK)
BILAN
ANALYSE DES VARIATIONS
(En milliers de gourdes)
Var.juin. 24 | 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 | -0.2700105841071581 | 8188177.193226431 | 0.20276137311634518 | 9848423.244244963 | 0 | 0 | -0.11707088077130257 | 11154262.590012066 | 1.0895019024858448 | 5338239.978026357 | 0.06204019493204622 | 5026401.075495942 | 0.08848749382580189 | 4617784.8657031525
Avoirs à la BRH | 91111039.04510361 | 0.0863064391513532 | 98974508.39246641 | -0.008363917395040265 | 98146693.7800571 | 0 | 0 | 0.06383183886231204 | 92257714.23143116 | 0.017577021827108776 | 90664109.2049995 | 0.25332650026526293 | 72338779.38893872 | 0.6051743087136726 | 45065996.25738363
Avoirs à l'étranger | 14746557.367395323 | 0.060442992817959125 | 15637883.42844242 | -0.0070530236171970654 | 15527589.067298641 | 0 | 0 | 0.038474924795671384 | 14952300.432630884 | 0 | 16945933.926280208 | 0 | 16946757.402034957 | 0 | 8704248.558392948
Avoirs dans les banques locales | 3460.9788800075216 | 1.4065016022200267 | 8328.851219987775 | -0.5675167625332002 | 3602.088539999619 | 0 | 0 | -0.5426723601165554 | 7876.384950005764 | 0 | 6.375926050532144e-09 | 0 | 6.110186409205198e-09 | 0 | 0
Autres liquidités | 1662741.72107421 | -0.5904090324973927 | 681043.990241736 | 0.3398048049167571 | 912466.010485559 | 0 | 0 | -0.5259256939878958 | 1924732.049203826 | 0.916883857982657 | 1004094.24451486 | 0.2843687185670473 | 781780.364158288 | 0.017216064289898983 | 768548.975584686
118740642.82957959 | 0.039997248733390556 | 123489941.85559697 | 0.007683478676658595 | 124438774.19062626 | 0 | 0 | 0.03443055469559533 | 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
Bons du Trésor / M.E.F. | 7100000 | 0.3380281690140845 | 9500000 | -0.09747368421052631 | 8574000 | 0 | 0 | 0.5589090909090909 | 5500000 | -0.11290322580645161 | 6200000 | -0.08823529411764706 | 6800000 | 1.0606060606060606 | 3300000
Autres Placements | 49889633.46556811 | 0.05291041757243238 | 52529314.804766916 | 0.04337834697694552 | 54807949.648829296 | 0 | 0 | 0.14412263309363524 | 47903911.75169052 | 0.1913120996517343 | 40211051.13067739 | 0.21842040898893045 | 33002607.99476046 | 0.4985364549485395 | 22023226.652763538
Portefeuille net | 46073606.79762 | -0.06110483654940226 | 43258286.58501 | -0.0490698883384705 | 41135607.29257 | 0 | 0 | -0.17673044923143416 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 | 0.3036106702769916 | 31336763.096040003
Immobilisations | 4227954.076599999 | -0.0035941533788416274 | 4212758.16117 | 0.06594461659694331 | 4490566.882924 | 0 | 0 | 0.09445301527596715 | 4103023.9034900004 | 0.23486149346758736 | 3322659.201209999 | 0.08831236168912789 | 3053038.18846 | 0.0630382175710019 | 2871992.87664
Autres actifs | 5612067.0765289245 | -0.19877555862625707 | 4496525.308343862 | -0.07223127370821521 | 4171735.55806096 | 0 | 0 | -0.09574283496123152 | 4613439.317212492 | 0.6470463050083847 | 2801038.017682816 | 0.028759379817235177 | 2722733.8798898105 | 0.20068830330166665 | 2267644.210743792
231643904.24589664 | 0.02522372642618159 | 237486826.71488774 | 0.0005550070290046248 | 237618633.5730105 | 0 | 0 | 0.022528398612777594 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 | 0.5007335613533734 | 120956205.49325176
PASSIF | 132989941.85559697 | 0.00017168467562818333 | 133012774.19062626 | 0 | 0 | 0
Dépôts | 22832.335029289126 | 0 | 0 | 0
À vue | 90797970.13969277 | 0.02554811186771226 | 93117686.83818284 | 0.007486647223511284 | 93814826.10980971 | 0 | 0 | 0.02008395834953468 | 91967749.65621388 | 0.08277525922920087 | 84937062.30569333 | 0.19847177099902089 | 70871141.36605118 | 0.6036145682686481 | 44194623.05245058
Épargne | 71737399.84585229 | 0.020146112220082422 | 73182629.55352375 | 0.006007535271291254 | 73622276.78181238 | 0 | 0 | -0.013814541356703717 | 74653581.77466455 | -0.0008472307877473312 | 74716884.21933973 | 0.21478062858724267 | 61506483.11393759 | 0.524906685371339 | 40334588.144952476
À terme | 28841175.67215339 | 0.08886550529008919 | 31404161.32141953 | 0.08163405710828965 | 33967810.42017023 | 0 | 0 | 0.27023702421621953 | 26741316.598868273 | -0.027375577906464586 | 27493980.195673734 | 0.1310202466599536 | 24309007.97476168 | 0.3306682335739247 | 18268271.05466571
191376545.65769842 | 0.03306534786528136 | 197704477.71312612 | 0.018717004498176367 | 201404913.3117923 | 0 | 0 | 0.04159161742969298 | 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 | 0.24126562477550792 | 11165578.651448475 | -0.14673271172968375 | 9527223.017890375 | 0 | 0 | 0.10276426568067493 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066
8995317.705239644 | 0.24126562477550792 | 11165578.651448475 | -0.14673271172968375 | 9527223.017890375 | 0 | 0 | 0.10276426568067493 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 | 0.414776629816627 | 2886431.6421956066
Obligations à terme
Banques locales | 3524057.6369899996 | -0.43499102734009837 | 1991124.1850700001 | -0.033080259048575825 | 1925257.28123 | 0 | 0 | -0.4293095340640576 | 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
Autres | 5036074.119616184 | -0.36902023066939227 | 3177660.8863272634 | 0.1266475051705923 | 3580103.7098587845 | 0 | 0 | -0.31854911691009163 | 5253648.940368953 | 1.327131149530416 | 2257564.6161708888 | 0.39165437984239937 | 1622216.4417192084 | 1.6411463862480664 | 614209.212395713
8560131.756606184 | -0.39617926238012485 | 5168785.071397264 | 0.06511702751078699 | 5505360.991088784 | 0 | 0 | -0.3618605479988525 | 8627206.755238954 | 0.28218906692830137 | 6728498.142560888 | 0.20350531227894741 | 5590750.6796292085 | 0.9448907584692668 | 2874583.395125713
Autres passifs | 2502332.081881508 | -0.14057676208221992 | 2150562.3401561454 | -0.006858545446869353 | 2135812.6106098588 | 0 | 0 | -0.09066625099463538 | 2348766.46 | 0.08133478208894412 | 2172099.241515755 | 0.18402509271008033 | 1834504.3993485821 | 0.5088736981905279 | 1215810.4429473171
211434327.2014258 | 0.022489614802104697 | 216189403.77612802 | 0.011026933390879382 | 218573309.93138131 | 0 | 0 | 0.026271665645514548 | 212978022.53353736 | 0.053093698107249274 | 202240335.22974062 | 0.20241197206262992 | 168195543.56466982 | 0.5321940719934289 | 109774307.73233742
AVOIR DES ACTIONNAIRES
Capital versé | 12554050 | 0 | 12554050 | -0.0008961251548305129 | 12542800 | 0 | 0 | -0.0014926501904621644 | 12561550 | 0.993679261191735 | 6300687.5 | -0.00019835169739465045 | 6301937.5 | -0.003402019467221216 | 6323450
Réserves | 771720.2943599999 | 1.7662430587890594 | 2134765.9075999996 | -0.01105028972779528 | 2111176.1258199997 | 0 | 0 | 1.7349670460748927 | 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
Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BNR | 6883806.747630001 | -0.03997783807553119 | 6608607.03613 | -0.3355108739403013 | 4391347.513909999 | 0 | 0 | -0.27677716125998053 | 6071914.87697 | -0.20130437616435562 | 7602288.901760001 | 0.44818444648348366 | 5249530.83167 | 0.8920123460933894 | 2774575.35756
20209577.04199 | 0.05382823695319065 | 21297422.94373 | -0.10574515564396131 | 19045323.63973 | 0 | 0 | -0.01855471406549982 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 | 0.19188117790730216 | 11181897.76121
231643904.2434158 | 0.025223726458617982 | 237486826.71985802 | 0.0005550070000673413 | 237618633.57111132 | 0 | 0 | 0.022528398576283627 | 232383407.54345736 | 0.06253443490516385 | 218706707.1988106 | 0.20484270627959664 | 181523037.0395398 | 0.5007335613650962 | 120956205.49354741
Hors-bilan
Effets à l'encaissement | 4488.126568537001 | 4437.123051488001 | 4400.94244 | 0 | 4434.180791275 | 3750.073000181 | 2958.534002186 | 2809.6125314
Crédit documentaire | 1836757.0324328751 | 1953166.7060467103 | 1949955.85134 | 0 | 1881109.1359275752 | 1809400.1296932271 | 1568762.3525348501 | 1009052.0499766741
Autres | 2659201.9244598546 | 2931164.164310076 | 2834062.4722199994 | 0 | 2316107.008951261 | 2151870.224273834 | 2359671.6640074262 | 1199427.898695145
0
Portefeuille brut | 47521075.57704 | -0.06702672591419488 | 44335893.46919 | -0.04534350042448192 | 42325548.86485 | 0 | 0 | -0.1746804400552876 | 51283831.03834999 | -0.03144275000816264 | 52948683.249010004 | 0.2672859755683287 | 41781164.05436 | 0.2995648084982276 | 32150119.625540003
Provisions pour créances douteuses | 1447468.77942 | -0.25552322820268597 | 1077606.88418 | 0.10424459025749494 | 1189941.57228 | 0 | 0 | -0.09694477125759622 | 1317684.16195 | 0.8072705915409105 | 729101.75605 | -0.21620950550054593 | 930225.31042 | 0.14368702614564804 | 813356.5295
Portefeuille de crédit improductif | 1248990.6559300001 | -0.6042225739695971 | 494322.30694000004 | -0.2705456435657734 | 360585.56028 | 0 | 0 | -0.4983792503232914 | 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 | 8188177.193226431 | 0.034478447948006224 | 9848423.244244963 | 0.04144634238551391 | 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 | 98974508.39246641 | 0.41675788826505816 | 98146693.7800571 | 0.41304291799111215 | 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 | 15637883.42844242 | 0.06584737201957022 | 15527589.067298641 | 0.06534668108226305 | 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 | 8328.851219987775 | 3.50707924948902e-05 | 3602.088539999619 | 1.5159116462526262e-05 | 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 | 681043.990241736 | 0.0028677127050055545 | 912466.010485559 | 0.0038400440098701077 | 0 | 0 | 1924732.049203826 | 0.008282570901268833 | 1004094.24451486 | 0.004591053733040759 | 781780.364158288 | 0.004306783188053515 | 768548.975584686 | 0.006353944160620713
118740642.82957959 | 0.5125999029248488 | 123489941.85559697 | 0.519986491730135 | 124438774.19062626 | 0.5236911445852217 | 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 | 9500000 | 0.04000221878161319 | 8574000 | 0.03608302880575887 | 0 | 0 | 5500000 | 0 | 6200000 | 0 | 6800000 | 0 | 3300000 | 0
Autres Placements | 49889633.46556811 | 0.2153720972195704 | 52529314.804766916 | 0.22118833087037043 | 54807949.648829296 | 0.230655099832434 | 0 | 0 | 47903911.75169052 | 0.20614170460538994 | 40211051.13067739 | 0.18385833542167773 | 33002607.99476046 | 0.1818094746173193 | 22023226.652763538 | 0.18207603787630583
Portefeuille net | 46073606.79762 | 0.1988984210381446 | 43258286.58501 | 0.18215025727276768 | 41135607.29257 | 0.17311608384420202 | 0 | 0 | 49966146.876399994 | 0.21501598330956523 | 52219581.492960006 | 0.2387653408639094 | 40850938.74394 | 0.22504547858275806 | 31336763.096040003 | 0.2590752823987051
Immobilisations | 4227954.076599999 | 0.018251954828528122 | 4212758.16117 | 0.01773891301443672 | 4490566.882924 | 0.01889821019252782 | 0 | 0 | 4103023.9034900004 | 0.01765626878001756 | 3322659.201209999 | 0.015192305914180184 | 3053038.18846 | 0.016819012276806992 | 2871992.87664 | 0.02374407220306056
Autres actifs | 5612067.0765289245 | 0.02422713040862735 | 4496525.308343862 | 0.01893378833067704 | 4171735.55806096 | 0.017556432739855632 | 0 | 0 | 4613439.317212492 | 0.019916083404962794 | 2801038.017682816 | 0.012807279911942032 | 2722733.8798898105 | 2267644.210743792 | 0.018747646732935132
231643904.24589664 | 1 | 237486826.71488774 | 1 | 237618633.5730105 | 1 | 0 | 0 | 232383407.53702095 | 1.0031924142080566 | 218706707.19635114 | 1 | 181523037.03767818 | 0 | 120956205.49325176 | 1
0
PASSIF | 0
Dépôts | 0
À vue | 90797970.13969277 | 0.3919721973055165 | 93117686.83818284 | 0.3920962190882877 | 93814826.10980971 | 0.39481258140045755 | 0 | 0 | 91967749.65621388 | 0.3957586758493612 | 84937062.30569333 | 0.3883605738229065 | 70871141.36605118 | 0 | 44194623.05245058 | 0.36537706248495233
Épargne | 71737399.84585229 | 0.30968826949877765 | 73182629.55352375 | 0.30815447983303246 | 73622276.78181238 | 0.30983376882011765 | 0 | 0 | 74653581.77466455 | 0.3212517733770278 | 74716884.21933973 | 0.34163051136909206 | 61506483.11393759 | 0.3388356878425898 | 40334588.144952476 | 0.333464397138374
À terme | 28841175.67215339 | 0.12450651687142027 | 31404161.32141953 | 0.1322353822981578 | 33967810.42017023 | 0.14295095426400267 | 0 | 0 | 26741316.598868273 | 0.11507412203949251 | 27493980.195673734 | 0.1257116461956062 | 24309007.97476168 | 0.1339169307183635 | 18268271.05466571 | 0.15103211100388655
191376545.65769842 | 0.8261669836757143 | 197704477.71312612 | 0.832486081219478 | 201404913.3117923 | 0.8475973044845778 | 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 | 11165578.651448475 | 0.04701557053037384 | 9527223.017890375 | 0.040094595590556024 | 0 | 0 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 | 2886431.6421956066 | 0.023863444049231877
8995317.705239644 | 0.038832525010849654 | 11165578.651448475 | 0.04701557053037384 | 9527223.017890375 | 0.040094595590556024 | 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 | 1991124.1850700001 | 0.008384145818161203 | 1925257.28123 | 0.008102299269549697 | 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 | 3177660.8863272634 | 0.01338036694617243 | 3580103.7098587845 | 0.015066594972059566 | 0 | 0 | 5253648.940368953 | 0.022607676666984048 | 2257564.6161708888 | 0.010322338281761455 | 1622216.4417192084 | 0.008936697337112588 | 614209.212395713 | 0.0050779470957360694
8560131.756606184 | 0.03695383992284709 | 5168785.071397264 | 0.02176451276433363 | 5505360.991088784 | 0.023168894241609263 | 0 | 0 | 8627206.755238954 | 0.03712488273873235 | 6728498.142560888 | 0.030764937339210898 | 5590750.6796292085 | 0.030799124843139077 | 2874583.395125713 | 0.023765489198370137
Autres passifs | 2502332.081881508 | 0.010802494846681616 | 2150562.3401561454 | 0.009055501603623598 | 2135812.6106098588 | 0.00898840540615099 | 0 | 0 | 2348766.46 | 0.010107289865890354 | 2172099.241515755 | 0.009931562087694374 | 1834504.3993485821 | 0.010106179520166356 | 1215810.4429473171 | 0.010051658267463988
211434327.2014258 | 0.9127558434560928 | 216189403.77612802 | 0.9103216661178091 | 218573309.93138131 | 0.9435746243482388 | 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 | 12554050 | 0.05286208996792748 | 12542800 | 0.05278542263877681 | 0 | 0 | 12561550 | 0.05405527930387553 | 6300687.5 | 0.028808844414375232 | 6301937.5 | 0.03471701224727706 | 6323450 | 0.052278839057602465
Réserves | 771720.2943599999 | 0.003331494074373728 | 2134765.9075999996 | 0.008988986619299394 | 2111176.1258199997 | 0.008884724628177451 | 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 | 6608607.03613 | 0.02782725731589269 | 4391347.513909999 | 0.0184806530021591 | 0 | 0 | 6071914.87697 | 0.02612886583136399 | 7602288.901760001 | 0.03476020008355206 | 5249530.83167 | 0.02891936427099537 | 2774575.35756 | 0.022938677236487844
20209577.04199 | 0.08724415653319742 | 21297422.94373 | 0.08967833390311958 | 19045323.63973 | 0.08015080026911336 | 0 | 0 | 19405385.00992 | 0.08350589749755921 | 16466371.96907 | 0.07528974387734151 | 13327493.47487 | 0.0734203971703253 | 11181897.76121 | 0.0924458378601654
231643904.2434158 | 0.9999999999892903 | 237486826.71985802 | 1.0000000000209286 | 237618633.57111132 | 0.9999999999920074 | 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)
Juin 2024 | Septembre 23
ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total
Disponibilités
Encaisse | 1017398.783594965 | 8831024.460649999 | 9848423.244244963 | 0.1033057534554573 | 2201121.762112065 | 8953140.8279 | 11154262.590012066 | 0.19733458346973382
Avoirs à la BRH | 75224633.1958771 | 22922060.58418 | 98146693.7800571 | 0.7664510163169894 | 71999193.64402115 | 20258520.58741 | 92257714.23143116 | 0.7804138032664573
Avoirs à l'étranger | 15527589.067298641 | 0 | 15527589.067298641 | 1 | 14952300.432630884 | 0 | 14952300.432630884 | 1
Avoirs dans les banques locales | -2.5173904286930337e-09 | 3602.0885400021366 | 3602.088539999619 | 0 | 2.5593633617972958e-09 | 7876.384950003205 | 7876.384950005764 | 0
Autres liquidités | 456514.887885559 | 455951.1226 | 912466.010485559 | 0.5003089239922806 | 1055573.627903826 | 869158.4212999999 | 1924732.049203826 | 0.5484262748887404
92226135.93465626 | 32212638.255970005 | 124438774.19062626 | 0.7411366475964811 | 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 | 8574000 | 8574000 | 0 | 0 | 5500000 | 5500000 | 0
Autres Placements | 41718725.9346793 | 13089223.714149997 | 54807949.648829296 | 0.7611801974345599 | 35602430.65604052 | 12301481.095650002 | 47903911.75169052 | 0.7432050818852829
Portefeuille net | 27526574.44939 | 13609032.84318 | 41135607.29257 | 0.6691665994769915 | 30618269.817639995 | 19347877.05876 | 49966146.876399994 | 0.6127802868886336
Immobilisations | 0 | 4490566.882924 | 4490566.882924 | 0 | 0 | 4103023.9034900004 | 4103023.9034900004 | 0
Autres actifs | 795126.7534109601 | 3376608.80465 | 4171735.55806096 | 0.1905985512131882 | 969579.94 | 3643859.3919300004 | 4613439.317212491 | 0.21016423395503434
162266563.07213652 | 75352070.500874 | 237618633.5730105 | 0.6828865254890822 | 157398469.88034844 | 74984937.67139001 | 232383407.55173844 | 0.677322324939679 | 0
0
PASSIF | 0
Dépôts | 0
À vue | 73038519.93575971 | 20776306.17405 | 93814826.10980971 | 0.7785392028576437 | 70102734.62977387 | 21865015.026440002 | 91967749.65621388 | 0.7622534518005064 | 0
Épargne | 51828860.921992384 | 21793415.85982 | 73622276.78181238 | 0.703983402681132 | 53850542.01283456 | 20803039.76183 | 74653581.77466455 | 0.7213390266441309
À terme | 28401310.935690235 | 5566499.484479999 | 33967810.42017023 | 0.8361242772017302 | 23584062.991408274 | 3157253.60746 | 26741316.598868273 | 0.8819335018234061
153268691.7934423 | 48136221.51835 | 201404913.3117923 | 0.7609977794144925 | 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 | 4427730.598140375 | 5099492.41975 | 9527223.017890375 | 0.4647451403022591 | 4077341.44 | 4562059.89 | 8639401.288551686 | 0.47194722224594426
4427730.598140375 | 5099492.41975 | 9527223.017890375 | 0.4647451403022591 | 4077341.44 | 4562059.89 | 8639401.33 | 0.47194721998173456
Obligations à terme
Banques locales | 0 | 1925257.28123 | 1925257.28123 | 0 | 0 | 3373557.81487 | 3373557.81487 | 0
Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 2494733.097588784 | 1085370.6122700002 | 3580103.7098587845 | 0.6968326338476903 | 3522494.0744989538 | 1731154.8658699999 | 5253648.940368954 | 0.6704852407309072
2494733.097588784 | 3010627.8935000002 | 5505360.991088784 | 0.45314614275555537 | 3522494.0744989538 | 5104712.68074 | 8627206.755238954 | 0.4083006440479574
Autres passifs | 1944721.4009798588 | 191091.20963 | 2135812.6106098588 | 0.9105299740807149 | 2170952.78440578 | 177813.69 | 2348766.45693578 | 0.9242948689066441
162135876.89015132 | 56437433.04122999 | 218573309.93138131 | 0.7417917445686855 | 157308127.9329214 | 55669894.65646999 | 212978022.5893914 | 0.7386120221249394
AVOIR DES ACTIONNAIRES
Capital versé | 0 | 12542800 | 12542800 | 0 | 0 | 12561550 | 12561550 | 0
Réserves | 0 | 2111176.1258199997 | 2111176.1258199997 | 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 | 4391347.513909999 | 4391347.513909999 | 0 | 0 | 6071914.87697 | 6071914.87697 | 0
0 | 19045323.63973 | 19045323.63973 | 0 | 0 | 19405385.00992 | 19405385.00992 | 0
0 | 0
162135876.89015132 | 75482756.68096 | 237618633.57111132 | 0.6823365426080084 | 157308127.9329214 | 75075279.66639 | 232383407.5993114 | 0.6769335623314422
*Converties au taux de 132.0563 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 | -0.08939404532846709 | 1484810.56122 | -0.042646746716275344 | 1421488.221294 | 0 | 0 | 1297698.5610700003 | 0.07685120169029716 | 1397428.2549199993 | 0.08666366417997887 | 1518534.50792 | 0.10793629843453972 | 1682439.50175
Intérêts sur Bons B.R.H. | 0 | 0 | 468 | 0 | 21874 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 756655.2505900001 | 0.08579927889138196 | 821575.72546 | 0.06789230000529727 | 877354.39109 | 0 | 0 | 501985.35482 | 0.24902334105907195 | 626991.4250400001 | 0.04660968171635753 | 656215.2958 | -0.008879125581638014 | 650388.67778
2387229.4343 | -0.03366879884487019 | 2306854.28668 | 0.006009189996976563 | 2320716.612384 | 0 | 0 | 1799683.9158900003 | 0.12487513061917886 | 2024419.6799599994 | 0.0742583789557762 | 2174749.80372 | 0.07268807452682624 | 2332828.1795300003
Dépenses d'intérêt | 322108.39846 | -0.27958881935574104 | 232050.49163 | 0.22457468925811466 | 284163.15868 | 0 | 0 | 226190.35097000003 | 0.32713640843951863 | 300185.45001000003 | 0.06116912928121024 | 318547.53261 | -0.19618143966762652 | 256054.41906
2065121.0358399998 | 0.0046887126913902795 | 2074803.7950499998 | -0.018435642655588103 | 2036553.453704 | 0 | 0 | 1573493.5649200003 | 0.0957999882494995 | 1724234.2299499994 | 0.07653718901278722 | 1856202.27111 | 0.11882944698052737 | 2076773.7604700003
AUTRES REVENUS
Commissions | 660580.3835099998 | -0.12739928755199842 | 576422.91328 | -0.024593860884766006 | 562246.4483400001 | 0 | 0 | 530123.7669000002 | 0.07621210378145836 | 570525.6144400006 | 0.09915420271800676 | 627095.6268699998 | 0.4394145053847172 | 902650.54158
Gains sur change | 538623.91848 | -0.31580684259255765 | 368522.79944000003 | 0.13205114930188472 | 417186.65865 | 0 | 0 | 841443.29414 | -0.18552543023062784 | 685334.1649799998 | 0.08203044266973167 | 741552.4299100001 | -0.387572365793315 | 454147.20028999995
Autres | 313443.26896 | 0.6016739996546774 | 502033.93426 | -0.9548666855291393 | 22658.455429999958 | 0 | 0 | 1330302.4551 | -0.21053812380504555 | 1050223.07211 | -1.0299924791565622 | -31498.793599999946 | 15.30535750010441 | 450601.50327
1512647.5709499998 | -0.043412573577041445 | 1446979.64698 | -0.30745980808266965 | 1002091.5624200001 | 0 | 0 | 2701869.51614 | -0.14648622453664462 | 2306082.8515300006 | -0.420164257197936 | 1337149.2631799998 | 0.3516809939689566 | 1807399.24514
0
PRODUIT NET BANCAIRE | 3577768.6067899996 | -0.01564806752838898 | 3521783.4420299996 | -0.13718572815695695 | 3038645.016124 | 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 | -0.11259742239718604 | 225857.13683 | 0.5112472225170908 | 341325.97072000004 | 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 | -0.008223100114174285 | 3295926.3051999994 | -0.1816203411015513 | 2697319.0454039997 | 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 | -0.036831876007801356 | 982419.75232 | 0.08207774983104693 | 1063054.55498 | 0 | 0 | 689496.1313700001 | 0.16168732825010704 | 800978.9186900002 | 0.378268323859923 | 1103963.87171 | 0.13034161642184502 | 1247856.3072199998
Frais de locaux | 91346.85015 | -0.024366909163752934 | 89121.00975 | 0.12892433021384164 | 100610.87624 | 0 | 0 | 78493.73190000001 | 0.02472640353592341 | 80434.59959 | 0.2574863729734394 | 101145.4129 | 0.4073161405819918 | 142343.57212
Amortissement | 185919.64401 | 0.018611814520330613 | 189379.94594 | 0.02856080686449056 | 194788.79 | 0 | 0 | 135377.04871 | -0.08477721319354058 | 123900.15979 | 0.2444382063052381 | 154186.09261 | 0.16708754333092912 | 179948.66804000002
Autres dépenses d'exploitation | 979260.2081899999 | 0.07010484157922621 | 1047911.0899499999 | -0.06449956644053167 | 980321.27898 | 0 | 0 | 709722.48378 | 0.22642127027472386 | 870418.7500999997 | 0.07612056604064231 | 936675.5180500001 | 0.21888899135191806 | 1141703.47742
2276514.5194800003 | 0.01419594656808152 | 2308831.79796 | 0.012969200383699114 | 2338775.5001999997 | 0 | 0 | 1613089.3957600002 | 0.1628198865483561 | 1875732.4281699997 | 0.22403966620654583 | 2295970.89527 | 0.1811351922564737 | 2711852.0248
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1046739.2340399995 | -0.0569814571388475 | 987094.5072399992 | -0.6367687768757638 | 358543.5452040001 | 0 | 0 | 2559850.7072999994 | -0.20194885878140176 | 2042891.7783100004 | -0.6209699626572679 | 774317.3470199998 | 0.2760903125349704 | 988098.8653600006
Impôts sur le revenu | 224616.16437 | -0.304156857818398 | 156297.6176 | 0.2679156007173844 | 198172.18771000003 | 0 | 0 | 349994.16209999996 | -0.18721431593844293 | 284470.24445999996 | -0.15913401134776808 | 239201.35334999996 | -0.25810090392617746 | 177463.26783
BÉNÉFICE NET (PERTE NETTE) | 822123.0696699995 | 0.010550512800329754 | 830796.8896399993 | -0.806966829686264 | 160371.35749400005 | 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- juin. 24) | 2023 (oct22.- juin. 23) | 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 | 1484810.56122 | 0.06253079969747947 | 1397428.2549199993 | 1421488.221294 | -0.06390785729257369 | 1518534.50792 | 0 | 0 | 1682439.50175 | 4536872.966224 | 0.0767056527490636 | 4213661.32391 | 5896100.82566
Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 468 | 0 | 0 | 21874 | 0 | 0 | 0 | 0 | 0 | 22342 | 0 | 0 | 0
Autres | 756655.2505900001 | 0.5073253498826049 | 501985.35482 | 821575.72546 | 0.31034603129952854 | 626991.4250400001 | 877354.39109 | 0.3369916804825568 | 656215.2958 | 0 | 0 | 650388.67778 | 2455585.36714 | 0.3755300623503778 | 1785192.07566 | 2435580.75344
2387229.4343 | 0.3264715060363474 | 1799683.9158900003 | 2306854.28668 | 0.13951386143686428 | 2024419.6799599994 | 2320716.612384 | 0.06711889727007556 | 2174749.80372 | 0 | 0 | 2332828.1795300003 | 7014800.333364001 | 0.16935685307242626 | 5998853.399569999 | 8331681.5791
Dépenses d'intérêt | 322108.39846 | 0.42405897103330337 | 226190.35097000003 | 232050.49163 | -0.22697621879318353 | 300185.45001000003 | 284163.15868 | -0.1079411089713165 | 318547.53261 | 0 | 0 | 256054.41906 | 838322.04877 | -0.007812880243171672 | 844923.33359 | 1100977.7526500002
2065121.0358399998 | 0.31244326756747487 | 1573493.5649200003 | 2074803.7950499998 | 0.2033189917069252 | 1724234.2299499994 | 2036553.453704 | 0.09716138451126383 | 1856202.27111 | 0 | 0 | 2076773.7604700003 | 6176478.284594 | 0.19840164797027904 | 5153930.0659799995 | 7230703.82645
AUTRES REVENUS
Commissions | 660580.3835099998 | 0.2460870927799929 | 530123.7669000002 | 576422.91328 | 0.01033660661456516 | 570525.6144400006 | 562246.4483400001 | -0.10341194508671524 | 627095.6268699998 | 0 | 0 | 902650.54158 | 1799249.74513 | 0.04138616322444512 | 1727745.0082100006 | 2630395.5497900005
Gains sur change | 538623.91848 | -0.3598809067335875 | 841443.29414 | 368522.79944000003 | -0.46227283233318056 | 685334.1649799998 | 417186.65865 | -0.4374144809954535 | 741552.4299100001 | 0 | 0 | 454147.20028999995 | 1324333.3765699998 | -0.41616367928902914 | 2268329.8890299997 | 2722477.08932
Autres | 313443.26896 | -0.7643819510680838 | 1330302.4551 | 502033.93426 | -0.5219740000080506 | 1050223.07211 | 22658.455429999958 | 1.719343595114703 | -31498.793599999946 | 0 | 0 | 450601.50327 | 838135.65865 | -0.6431987568902855 | 2349026.73361 | 2799628.2368799997
1512647.5709499998 | -0.4401478080588328 | 2701869.51614 | 1446979.64698 | -0.3725378747689041 | 2306082.8515300006 | 1002091.5624200001 | -0.2505761398418361 | 1337149.2631799998 | 0 | 0 | 1807399.24514 | 3961718.78035 | -0.3756256383525757 | 6345101.63085 | 8152500.875990001
PRODUIT NET BANCAIRE | 3577768.6067899996 | -0.1631661360786799 | 4275363.08106 | 3521783.4420299996 | -0.1261770796612505 | 4030317.08148 | 3038645.016124 | -0.04844644145962997 | 3193351.53429 | 0 | 0 | 3884173.0056100003 | 10138197.064944 | -0.11834341079876737 | 11499031.69683 | 15383204.702440001
Dotation à la provision pour créances douteuses | 254514.85327000002 | 1.4849390072411293 | 102422.978 | 225857.13683 | 1.0221266292053097 | 111692.875 | 341325.97072000004 | 1.773580693095712 | 123063.29200000002 | 0 | 0 | 184222.11544999998 | 821697.9608200002 | 1.436977413950083 | 337179.145 | 521401.26045
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 3323253.75352 | -0.20361815136453273 | 4172940.1030599996 | 3295926.3051999994 | -0.15890727675552088 | 3918624.20648 | 2697319.0454039997 | -0.12147693227910682 | 3070288.24229 | 0 | 0 | 3699950.8901600004 | 9316499.104124 | -0.16532680745755352 | 11161852.551830001 | 14861803.441990001
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 1019987.8171300001 | 0.479323480906741 | 689496.1313700001 | 982419.75232 | 0.22652385649143672 | 800978.9186900002 | 1063054.55498 | -0.037056753194860466 | 1103963.87171 | 0 | 0 | 1247856.3072199998 | 3065462.12443 | 0.18155108555751007 | 2594438.9217700004 | 3842295.22899
Frais de locaux | 91346.85015 | 0.16374706538828718 | 78493.73190000001 | 89121.00975 | 0.10799345311939533 | 80434.59959 | 100610.87624 | -0.005284833436079611 | 101145.4129 | 0 | 0 | 142343.57212 | 281078.73614 | 0.08076552209938359 | 260073.74439 | 402417.31651000003
Amortissement | 185919.64401 | 0.37334685444554616 | 135377.04871 | 189379.94594 | 0.5284883107574885 | 123900.15979 | 194788.79 | 0.2633356660298859 | 154186.09261 | 0 | 0 | 179948.66804000002 | 570088.37995 | 0.3788125292366168 | 413463.30111 | 593411.96915
Autres dépenses d'exploitation | 979260.2081899999 | 0.3797790412027461 | 709722.48378 | 1047911.0899499999 | 0.20391603447146409 | 870418.7500999997 | 980321.27898 | 0.04659645745931629 | 936675.5180500001 | 0 | 0 | 1141703.47742 | 3007492.5771199996 | 0.19495889989357754 | 2516816.75193 | 3658520.2293499997
2276514.5194800003 | 0.41127610500931355 | 1613089.3957600002 | 2308831.79796 | 0.23089613597635583 | 1875732.4281699997 | 2338775.5001999997 | 0.018643356942451894 | 2295970.89527 | 0 | 0 | 2711852.0248 | 6924121.817639999 | 0.196952449939738 | 5784792.7192 | 8496644.743999999
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1046739.2340399995 | -0.5910936403224675 | 2559850.7072999994 | 987094.5072399992 | -0.5168150766867438 | 2042891.7783100004 | 358543.5452040001 | -0.5369552980003955 | 774317.3470199998 | 0 | 0 | 988098.8653600006 | 2392377.286484001 | -0.555077056802276 | 5377059.832630001 | 6365158.697990002
Impôts sur le revenu | 224616.16437 | -0.3582288258116062 | 349994.16209999996 | 156297.6176 | -0.4505660235336938 | 284470.24445999996 | 198172.18771000003 | -0.1715256417465413 | 239201.35334999996 | 0 | 0 | 177463.26783 | 579085.9696800001 | -0.33717675997780405 | 873665.7599099999 | 1051129.0277399998
BÉNÉFICE NET (PERTE NETTE) | 822123.0696699995 | -0.6279744622085436 | 2209856.5451999996 | 830796.8896399993 | -0.5275325775720003 | 1758421.5338500005 | 160371.35749400005 | -0.7003054302411688 | 535115.9936699998 | 0 | 0 | 810635.5975300006 | 1813291.316804001 | -0.5973500680768111 | 4503394.072720001 | 5314029.670250002
Com /sal | 0.647635562323395 | 0.7688567676901483 | 0.5867379110800328 | 0.712285431148543 | 0.5288970784294115 | 0.5680399902024433
[UNIBKVARAN ]
UNIBANK (UNIBK)
RÉSULTATS
ANALYSE DES VARIATIONS ANNUELLES
(En milliers de gourdes)
CUMUL (Octobre-Juin) | ANNÉE
2024 | Var. | 2023 | 2023 | Var. | 2022 | Var. | 2021 | Var. | 2020
REVENUS NETS D'INTÉRÊT
Revenus d'intérêt
Prêts | 4536872.966224 | 0.0767056527490636 | 4213661.32391 | 5896100.82566 | 0.6069468825982995 | 3669132.37115 | 0.2527335499592418 | 2928900.85946 | -0.20732038161970853 | 3694936.50593
Intérêts sur Bons B.R.H. | 22342 | 0 | 0 | 0 | 0 | 0 | 0 | 6070 | -0.9394486533199493 | 100245.49961
Autres | 2455585.36714 | 0.3755300623503778 | 1785192.07566 | 2435580.75344 | 1.2553549290930437 | 1079910.18266 | 0.16670824884127314 | 925604.30916 | 0.6296654916553878 | 567971.9635099999
7014800.333364001 | 0.16935685307242626 | 5998853.399569999 | 8331681.5791 | 0.7543918557680149 | 4749042.55381 | 0.2301386053590538 | 3860575.1686199997 | -0.11518704221648808 | 4363153.9690499995
Dépenses d'intérêt | 838322.04877 | -0.007812880243171672 | 844923.33359 | 1100977.7526500002 | 0.3053190799927057 | 843454.8835799999 | 0.17727536132105284 | 716446.56067 | -0.3360523112683188 | 1079070.79553
6176478.284594 | 0.19840164797027904 | 5153930.0659799995 | 7230703.82645 | 0.8513740919363828 | 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996 | -0.04261602346081622 | 3284083.1735199997
AUTRES REVENUS
Commissions | 1799249.74513 | 0.04138616322444512 | 1727745.0082100006 | 2630395.5497900005 | 0.27368200922791636 | 2065190.1579300002 | 0.2715738861321544 | 1624121.2409700002 | -0.01178813061304961 | 1643494.97439
Gains sur change | 1324333.3765699998 | -0.41616367928902914 | 2268329.8890299997 | 2722477.08932 | -0.0388297780549785 | 2832460.91812 | 0.2501682034465221 | 2265663.86052 | 1.4635173877282956 | 919686.57165
Autres | 838135.65865 | -0.6431987568902855 | 2349026.73361 | 2799628.2368799997 | 0.2525492928015777 | 2235144.15997 | -0.057890349172199214 | 2372488.33828 | 3.4863246301128887 | 528826.7198399999
3961718.78035 | -0.3756256383525757 | 6345101.63085 | 8152500.875990001 | 0.14296017286751403 | 7132795.236020001 | 0.13901050546939595 | 6262273.43977 | 1.0253094109978802 | 3092008.2658800003
PRODUIT NET BANCAIRE | 10138197.064944 | -0.11834341079876737 | 11499031.69683 | 15383204.702440001 | 0.39361035335437916 | 11038382.90625 | 0.1734968216594115 | 9406402.04772 | 0.4752614728193353 | 6376091.4394000005
Dotation à la provision pour créances douteuses | 821697.9608200002 | 1.436977413950083 | 337179.145 | 521401.26045 | 3.7968290200286745 | -186425.86183 | -58.90937034940303 | -3111.7980499999976 | -1.024334766884677 | 127874.57815999999
BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION
ET IMPÔTS SUR LE REVENU | 9316499.104124 | -0.16532680745755352 | 11161852.551830001 | 14861803.441990001 | 0.3240139541844603 | 11224808.76808 | 0.19292122335587583 | 9409513.84577 | 0.5059518667062748 | 6248216.86124
DÉPENSES D'EXPLOITATION
Salaires et avantages sociaux | 3065462.12443 | 0.18155108555751007 | 2594438.9217700004 | 3842295.22899 | 0.2969862958212676 | 2962479.43511 | 0.34269215937793973 | 2206372.78204 | 0.017047780108070364 | 2169389.5067600003
Frais de locaux | 281078.73614 | 0.08076552209938359 | 260073.74439 | 402417.31651000003 | 0.40340510372852617 | 286743.51791999995 | -0.15228925644838956 | 338256.32162999996 | 0.11782574549255928 | 302602.01377
Amortissement | 570088.37995 | 0.3788125292366168 | 413463.30111 | 593411.96915 | 0.12983185285600465 | 525221.4899500001 | 0.1312687781199653 | 464276.48328 | 0.07762622415108102 | 430832.57708
Autres dépenses d'exploitation | 3007492.5771199996 | 0.19495889989357754 | 2516816.75193 | 3658520.2293499997 | 0.4346193216755654 | 2550167.96029 | 0.30674324416875764 | 1951544.7825500001 | -0.2996915775522413 | 2786693.29112
6924121.817639999 | 0.196952449939738 | 5784792.7192 | 8496644.743999999 | 0.3434253677912339 | 6324612.40327 | 0.2750076973167062 | 4960450.3695 | -0.12814215502252663 | 5689517.388730001
BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2392377.286484001 | -0.555077056802276 | 5377059.832630001 | 6365158.697990002 | 0.2989599240757782 | 4900196.36481 | 0.1013995172121529 | 4449063.4762699995 | 6.963249824243156 | 558699.4725099998
Impôts sur le revenu | 579085.9696800001 | -0.33717675997780405 | 873665.7599099999 | 1051129.0277399998 | 1.4514879746382214 | 428771.84739000007 | 0.14566598283601573 | 374255.54552000004 | 8.833428376545871 | -47776.72399999999
BÉNÉFICE NET (PERTE NETTE) | 1813291.316804001 | -0.5973500680768111 | 4503394.072720001 | 5314029.670250002 | 0.1884422178094114 | 4471424.51742 | 0.09733381141157266 | 4074807.9307499994 | 5.718825823995572 | 606476.1965099997
[pageint.sect5]
SECTION 5
RESPECT DES NORMES PRUDENTIELLES
LIMITE RELATIVE À LA POSITION NETTE DE CHANGE DES BANQUES
LIMITES SUR LA CONCENTRATION DES RISQUES DE CRÉDIT
CLASSIFICATION DES PRÊTS
SUFFISANCE DES FONDS PROPRES
[posinette]
Circulaire 81-3 - POSITION NETTE DE CHANGE DES BANQUES
AU 31 mars 2016
Circulaire 81-6 - POSITION NETTE DE CHANGE DES BANQUES
Trim 3 2024 | Trim 2 2024
Avril1 | Nombre de jours de dépassement | Mai1 | Nombre de jours de dépassement | Juin 1 | Nombre de jours de dépassement | Janvier1 | Nombre de jours de dépassement | Février1 | Nombre de jours de dépassement | Mars 1 | Nombre de jours de dépassement
BNC | 0.002914035553289945 | 0 | 0.002616852431981076 | 0 | 0.002794177748659811 | 0 | BNC | 0.004003779941083804 | 0 | 0.0038794018548210804 | 0 | 0.000935834343158686 | 0
BPH | 0 | 0 | 0 | 0 | 0 | 0 | BPH | 0 | 0 | 0 | 0 | 0 | 0
BUH | 0.01933811726549689 | 0 | 0.0003 | 0 | 0.0015 | 0 | BUH | 0.020250896994964414 | 0 | 0.020337811569313753 | 0 | 0.0433 | 3
CAPITALBK | 0.0068 | 0 | 0.0058 | 0.0014 | 0 | CAPITALBK | 0.0020610832804858945 | 0 | 0 | 31
CBNA | 0 | 0.0001 | 0 | 0.0015 | 0 | CBNA | 0 | 0 | 0 | 0
SCOTIA | 0 | 0 | 0 | SCOTIA | 0 | 0 | 0
SOGEBK | 0.0022 | 0.0041 | 0 | 0.0034 | 0 | SOGEBK | 0 | 0 | 31
SOGEBL | 0.0043967885312176155 | 0 | 0.003 | 0 | 0.0029 | 0 | SOGEBL | 0 | 0 | 0 | 0
UNIBK | 0.0046 | 0 | 0.0035 | 0 | 0.0069 | 0 | UNIBK | 0.001188001385794075 | 0 | 0.00501671749941575 | 0 | 0.006684810688637301 | 31
1 Position de chaque banque le dernier jour du mois
[Apparentés juin 24]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES APPARENTES
Au 30 JUIN 2024
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 | 119841589.49499999 | 1 | 1311739510 | 49 | 1431581099.495 | 0.08371274916752879 | 0 | 0.9162872508324713 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 10 | 139663530.57917202 | 2 | 546028797.4826101 | 1 | 389459105.9310766 | 13 | 1075151433.9928586 | 0.1299012642902727 | 0.5078622231426396 | 0.3622365125670878 | 1
CAPITALBK | 15 | 671132000 | 1 | 532085000 | 0 | 0 | 16 | 1203217000 | 0.5577813478366745 | 0.4422186521633255 | 0 | 1
SOGEBK | 20 | 1439798672.0451448 | 0 | 0 | 0 | 0 | 20 | 1439798672.0451448 | 1 | 0 | 0 | 1
SOGEBL | 5 | 64537852.92033601 | 0 | 0 | 0 | 0 | 5 | 64537852.92033601 | 1 | 0 | - | 1
UNIBK | 13 | 1432954670 | 0 | 0 | 0 | 0 | 13 | 1432954670 | 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 | 1431581099.495 | 7573511886.889999 | 0.18902473791229063
BPH | 0 | -533083.3 | 0
BUH | 1075151433.9928586 | 3634647150 | 0.2958062748932475
CAPITALBK | 1203217000 | 7370510000 | 0.16324745506077598
SOGEBK | 1439798672.0451448 | 11013906000 | 0.13072552753266142
SOGEBL | 64537852.92033601 | 1026086610 | 0.0628970812905706
UNIBK | 1432954670 | 18295583468.53 | 0.0783224362570785
CBNA | 0 | 534782050 | 0
SCOTIABK | 0 | 0 | 0
[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
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
rélgementaires.
Limite cumulative
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 48 | 187372230 | 0 | 0 | 1 | 1676104910 | 49 | 1863477140 | 0.1005497872648977 | 0 | 0.8994502127351023 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 9 | 155555485 | 4 | 862843445 | 0 | 0 | 13 | 1018398930 | 0.15274513789993868 | 0.8472548621000613 | 0 | 1
CAPITALBK | 12 | 476236550 | 1 | 377313000 | 0 | 0 | 13 | 853549550 | 0.5579483346924616 | 0.44205166530753837 | 0 | 1
SOGEBK | #REF! | #REF! | #REF! | #REF! | 0 | 0 | #REF! | #REF! | #REF! | #REF! | #REF! | #REF!
SOGEBL | 8 | 71523088.11 | 0 | 0 | 0 | 0 | 8 | 71523088.11 | 1 | 0 | - | 1
UNIBK | 9 | 1202946000 | 1 | 732383000 | 0 | 0 | 10 | 1935329000 | 0.6215718361064191 | 0.37842816389358086 | - | 1
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0!
LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
Total Risques | Fonds
Apparentés | Propres
(gourdes) | (gourdes)
(a) | (b) | (a) / (b)
BNC | 1863477140 | 6280096070 | 0.29672748939332705
BPH | 0 | -331177000 | 0
BUH | 1018398930 | 3062000000 | 0.3325927269758328
CAPITALBK | 853549550 | 4860195000 | 0.1756204329250164
SOGEBK | #REF! | 9081006000 | #REF!
SOGEBL | 71523088.11 | 802385256.49 | 0.08913808863198046
UNIBK | 1935329000 | 12314883000 | 0.15715366520331536
CBNA | 0 | 698582000 | 0
SCOTIABK | 0 | 0 | 0
[Apparentés déc. 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES APPARENTES
AU 31 DECEMBRE 2020
Limite individuelle
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
rélgementaires.
Limite cumulative
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 44 | 122749250 | 0 | 0 | 0 | 0 | 44 | 122749250 | 1 | 0 | 0 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 12 | 309405000 | 3 | 656253000 | 0 | 0 | 15 | 965658000 | 0.3204084675941172 | 0.6795915324058829 | 0 | 1
CAPITALBK | 14 | 565302000 | 0 | 0 | 0 | 0 | 14 | 565302000 | 1 | 0 | 0 | 1
SOGEBK | 22 | 1250370000 | 1 | 623196000 | 0 | 0 | 23 | 1873566000 | 0.667374407947198 | 0.332625592052802 | 0 | 1
SOGEBL | 8 | 70134614.03 | 0 | 0 | 0 | 0 | 8 | 70134614.03 | 1 | 0 | - | 1
UNIBK | 10 | 1237884000 | 1 | 854738000 | 0 | 0 | 11 | 2092622000 | 0.5915468727749207 | 0.40845312722507937 | - | 1
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0!
LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
Total Risques | Fonds
Apparentés | Propres
(gourdes) | (gourdes)
(a) | (b) | (a) / (b)
BNC | 122749250 | 7362838000 | 0.016671458750009166
BPH | 0 | -314270000 | 0
BUH | 965658000 | 3269397000 | 0.2953627228507275
CAPITALBK | 565302000 | 5026823000 | 0.11245711257388613
SOGEBK | 1873566000 | 9228616000 | 0.20301700710052298
SOGEBL | 70134614.03 | 909558710.91 | 0.07710839683986025
UNIBK | 2092622000 | 11069641000 | 0.18904154163626444
CBNA | 0 | 677012000 | 0
SCOTIABK | 0 | 0 | 0
[Apparentés sept 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES APPARENTES
AU 30 SEPTEMBRE 2020
Limite individuelle
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
rélgementaires.
Limite cumulative
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 44 | 98283000 | 0 | 0 | 0 | 0 | 44 | 98283000 | 1 | 0 | 0 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 12 | 263752000 | 5 | 1014003000 | 0 | 0 | 17 | 1277755000 | 0.20641828832600928 | 0.7935817116739907 | 0 | 1
CAPITALBK | 13 | 656815000 | 0 | 0 | 0 | 0 | 13 | 656815000 | 1 | 0 | 0 | 1
SOGEBK | #REF! | #REF! | #REF! | #REF! | 0 | 0 | #REF! | #REF! | #REF! | #REF! | #REF! | #REF!
SOGEBL | 8 | 71179678.24000001 | 0 | 0 | 0 | 0 | 8 | 71179678.24000001 | 1 | 0 | - | 1
UNIBK | 10 | 1048827000 | 1 | 562531000 | 0 | 0 | 11 | 1611358000 | 0.6508963247149299 | 0.3491036752850701 | - | 1
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0!
LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
Total Risques | Fonds
Apparentés | Propres
(gourdes) | (gourdes)
(a) | (b) | (a) / (b)
BNC | 98283000 | 7120424000 | 0.013802970160203943
BPH | 0 | -376727000 | 0
BUH | 1277755000 | 3070684000 | 0.41611412962063177
CAPITALBK | 656815000 | 4661707000 | 0.1408958134863474
SOGEBK | #REF! | 8173027000 | #REF!
SOGEBL | 71179678.24000001 | 731955267.11 | 0.09724594034419723
UNIBK | 1611358000 | 11069640000 | 0.14556552877961704
CBNA | 0 | 636004000 | 0
SCOTIABK | 0 | 0 | 0
[Apparentés juin 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES APPARENTES
AU 30 JUIN 2020
Limite individuelle
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
rélgementaires.
Limite cumulative
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 41 | 74796750 | 0 | 0 | 0 | 0 | 41 | 74796750 | 1 | 0 | 0 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 12 | 226874000 | 6 | 1196855000 | 0 | 0 | 18 | 1423729000 | 0.15935195532295823 | 0.8406480446770418 | 0 | 1
CAPITALBK | 13 | 823774000 | 0 | 0 | 0 | 0 | 13 | 823774000 | 1 | 0 | 0 | 1
SOGEBK | 23 | 1548924000 | 2 | 1176358000 | 0 | 0 | 25 | 2725282000 | 0.5683536602817617 | 0.43164633971823835 | 0 | 1
SOGEBL | 8 | 82553782.58 | 0 | 0 | 0 | 0 | 8 | 82553782.58 | 1 | 0 | - | 1
UNIBK | 6 | 588113000 | 0 | 0 | 0 | 0 | 6 | 588113000 | 1 | 0 | - | 1
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0!
LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
Total Risques | Fonds
Apparentés | Propres
(gourdes) | (gourdes)
(a) | (b) | (a) / (b)
BNC | 74796750 | 5736616000 | 0.013038479479888492
BPH | 0 | -330917000 | 0
BUH | 1423729000 | 3025699000 | 0.4705454838700082
CAPITALBK | 823774000 | 4965533000 | 0.16589840405853712
SOGEBK | 2725282000 | 8878497000 | 0.30695308000892496
SOGEBL | 82553782.58 | 803231015.31 | 0.10277713510370251
UNIBK | 588113000 | 12505458000 | 0.047028505473370105
CBNA | 0 | 665995000 | 0
SCOTIABK | 0 | 0 | 0
[Apparentés mars 20]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES APPARENTES
AU 31 MARS 2020
Limite individuelle
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
rélgementaires.
Limite cumulative
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 45 | 71758000 | 0 | 0 | 0 | 0 | 45 | 71758000 | 1 | 0 | 0 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 12 | 305429000 | 5 | 1016339000 | 0 | 0 | 17 | 1321768000 | 0.23107610412719934 | 0.7689238958728006 | 0 | 1
CAPITALBK | 12 | 800580000 | 1 | 232966000 | 0 | 0 | 13 | 1033546000 | 0.7745954219744453 | 0.22540457802555475 | 0 | 1
SOGEBK | 22 | 1120718000 | 1 | 458450000 | 1 | 879880000 | 24 | 2459048000 | 0.4557527953907366 | 0.18643393703579597 | 0.35781326757346743 | 1
SOGEBL | 7 | 77566037.74 | 0 | 0 | 0 | 0 | 7 | 77566037.74 | 1 | 0 | - | 1
UNIBK | 7 | 969768000 | 0 | 0 | 0 | 0 | 7 | 969768000 | 1 | 0 | - | 1
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0!
LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
Total Risques | Fonds
Apparentés | Propres
(gourdes) | (gourdes)
(a) | (b) | (a) / (b)
BNC | 71758000 | 7365889000 | 0.009741933390524891
BPH | 0 | -34324000 | 0
BUH | 1321768000 | 2916854000 | 0.4531484949195263
CAPITALBK | 1033546000 | 4478959000 | 0.2307558519736394
SOGEBK | 2459048000 | 7668716000 | 0.3206596775783586
SOGEBL | 77566037.74 | 739885219.14 | 0.10483523083507236
UNIBK | 969768000 | 12185941000 | 0.07958088751619592
CBNA | 0 | 644459000 | 0
SCOTIABK | 0 | 0 | 0
[Apparentés déc 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES APPARENTES
AU 31 décembre 2019
Limite individuelle
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
rélgementaires.
Limite cumulative
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 48 | 79520250 | 0 | 0 | 0 | 0 | 48 | 79520250 | 1 | 0 | 0 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 9 | 384874000 | 4 | 758554000 | 0 | 0 | 13 | 1143428000 | 0.33659661998831586 | 0.6634033800116842 | 0 | 1
CAPITALBK | 4 | 1085566000 | 4 | 2164288000 | 0 | 0 | 8 | 3249854000 | 0.33403531358639493 | 0.6659646864136051 | 0 | 1
SOGEBK | 22 | 1095430000 | 1 | 463941000 | 1 | 740839000 | 24 | 2300210000 | 0.4762304311345486 | 0.20169506262471687 | 0.3220745062407345 | 1
SOGEBL | 7 | 77636300 | 0 | 0 | 0 | 0 | 7 | 77636300 | 1 | 0 | - | 1
UNIBK | 7 | 579852000 | 0 | 0 | 0 | 0 | 7 | 579852000 | 1 | 0 | - | 1
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0!
LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
Total Risques | Fonds
Apparentés | Propres
(gourdes) | (gourdes)
(a) | (b) | (a) / (b)
BNC | 79520250 | 6899714000 | 0.01152515162222666
BPH | 0 | -32213000 | 0
BUH | 1143428000 | 3058435000 | 0.37386048747153366
CAPITALBK | 3249854000 | 4279526000 | 0.7593957835517298
SOGEBK | 2300210000 | 6574807000 | 0.34985209451775545
SOGEBL | 77636300 | 609363210 | 0.12740562397917
UNIBK | 579852000 | 13137842000 | 0.0441360156409249
CBNA | 0 | 648552000 | 0
SCOTIABK | 0 | 0 | 0
[Apparentés sept 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES APPARENTES
AU 30 septembre 2019
Limite individuelle
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
rélgementaires.
Limite cumulative
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 53 | 98900750 | 0 | 0 | 0 | 0 | 53 | 98900750 | 1 | 0 | 0 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 11 | 194403000 | 4 | 794336000 | 2 | 593953000 | 17 | 1582692000 | 0.12283059496099051 | 0.5018891862725028 | 0 | 0.6247197812334933
CAPITALBK | 9 | 324150000 | 4 | 924314000 | 0 | 0 | 13 | 1248464000 | 0.25963904445782976 | 0.7403609555421702 | 0 | 1
SOGEBK | 21 | 929659000 | 2 | 836366000 | 1 | 673312000 | 24 | 2439337000 | 0.3811113429591729 | 0.3428661148500597 | 0.2760225421907674 | 1
SOGEBL | 6 | 60471815 | 1 | 29977051 | 0 | 0 | 7 | 90448866 | 0.6685746065627843 | 0.33142539343721567 | - | 1
UNIBK | 7 | 644375000 | 0 | 0 | 0 | 0 | 7 | 644375000 | 1 | 0 | - | 1
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0!
LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
Total Risques | Fonds
Apparentés | Propres
(gourdes) | (gourdes)
(a) | (b) | (a) / (b)
BNC | 98900750 | 6427681000 | 0.015386692338963306
BPH | 0 | 0 | 0
BUH | 1582692000 | 2925143000 | 0.5410648299929268
CAPITALBK | 1248464000 | 3989303000 | 0.3129529143311501
SOGEBK | 2439337000 | 6328604000 | 0.38544630063754975
SOGEBL | 90448866 | 561101892 | 0.16119864732161696
UNIBK | 644375000 | 12884842000 | 0.05001031444545459
CBNA | 0 | 655443000 | 0
SCOTIABK | 0 | 0 | 0
[Apparentés juin 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 24]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2024
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 | 1005134685 | 4 | 4297137150 | 1 | 1933318519.9999998 | 7 | 7235590355 | 0.13891536636059326 | 0.5938889488168101 | 0.2671956848225966 | 0.9999999999999999
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 3 | 818857556.0618244 | 7 | 3465476874.9164023 | 0 | 10 | 4284334430.9782267 | 0.19112829991538677 | 0.8088717000846133 | 0 | 1
CAPITALBK | 3 | 1785379000 | 1 | 1031913000 | 0 | 0 | 4 | 2817292000 | 0.6337216731528006 | 0.36627832684719935 | 0 | 1
SOGEBK | 10 | 7021490913.346679 | 5 | 8406283647.911404 | 15 | 15427774561.258083 | 0.455120139684884 | 0.5448798603151159 | 0 | 1
SOGEBL | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
UNIBK | 4 | 3840942259.9999995 | 5 | 11958306620 | 0 | 0 | 9 | 15799248880 | 0.24310916861764123 | 0.7568908313823587 | 0 | 0.9999999999999999
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés sept 23]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2023
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 | 2438115160 | 2 | 2312806400 | 1 | 1965553120 | 7 | 6716474680 | 0.3630051889066304 | 0.3443482645571441 | 0.29264654653622546 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 2 | 501686561.56738305 | 5 | 2563340807.244761 | 0 | 7 | 3065027368.8121443 | 0.16368094023310872 | 0.8363190597668912 | 0 | 1
CAPITALBK | 3 | 1944203000 | 1 | 1100496000 | 0 | 0 | 4 | 3044699000 | 0.6385534333607361 | 0.36144656663926383 | 0 | 1
SOGEBK | 11 | 7738747113.288241 | 6 | 8537922090.333229 | 1 | 2138020105.8373923 | 18 | 18414689309.458862 | 0.42024858433604784 | 0.4636473603683149 | 0.11610405529563728 | 1
SOGEBL | 1 | 60317786 | 0 | 0 | 0 | 0 | 1 | 60317786 | 1 | 0 | 0 | 1
UNIBK | 7 | 7336545730 | 8 | 17168849070 | 0 | 0 | 15 | 24505394800 | 0.29938492278443113 | 0.7006150772155689 | 0 | 1
CBNA | 1 | 23646015.985489335 | 0 | 0 | 1 | 93050067.5 | 2 | 116696083.48548934 | 0.20262904528779338 | 0 | 0.7973709547122066 | 1
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés juin 23]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2024
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 | 1801998100 | 4 | 3764289495 | 1 | 2016165430 | 9 | 7582453025 | 0.23765371101656116 | 0.4964474534281734 | 0.26589883555526544 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 4 | 854080247.318 | 4 | 1854915484.624 | 4 | 2956337938.488 | 12 | 5665333670.43 | 0.15075550656015907 | 0.32741504605556826 | 0.5218294473842726 | 1
CAPITALBK | 3 | 1831960000 | 1 | 1133506000 | 0 | 0 | 4 | 2965466000 | 0.6177646278864772 | 0.3822353721135228 | 0 | 1
SOGEBK | 8 | 6112433159.980316 | 8 | 13349545615.308279 | 0 | 0 | 16 | 19461978775.288597 | 0.31407048741320376 | 0.6859295125867961 | 0 | 0.9999999999999999
SOGEBL | 1 | 60317786 | 0 | 0 | 0 | 0 | 1 | 60317786 | 1 | 0 | 0 | 1
UNIBK | 4 | 4614430400 | 11 | 23818635030 | 0 | 0 | 15 | 28433065430 | 0.16229099220273557 | 0.8377090077972644 | 0 | 1
CBNA | 0 | 0 | 0 | 0 | 1 | 93050067.5 | 1 | 93050067.5 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés mars 23]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 MARS 2023
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 3 | 1340528625 | 4 | 3947954650 | 1 | 2248750970 | 8 | 7537234245 | 0.1778541811791601 | 0.5237935457053053 | 0.2983522731155346 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 2 | 402692786.6042601 | 9 | 4078392280.292735 | 3 | 2386867080.172161 | 14 | 6867952147.069157 | 0.05863360401777202 | 0.5938294549756227 | 0.3475369410066052 | 1
CAPITALBK | 1 | 735669000 | 3 | 2802395000 | 0 | 0 | 4 | 3538064000 | 0.207929816984656 | 0.7920701830153439 | 0 | 1
SOGEBK | 11 | 8394807035.32 | 6 | 10367621227.537 | 2 | 4537809266.955 | 19 | 23300237529.812004 | 0.3602884745092868 | 0.4449577483608018 | 0.1947537771299112 | 0.9999999999999998
SOGEBL | 2 | 118969321.46351801 | 0 | 0 | 0 | 0 | 2 | 118969321.46351801 | 1 | 0 | 0 | 1
UNIBK | 4 | 6350529630 | 9 | 23818635030 | 0 | 0 | 13 | 30169164660 | 0.21049736383387155 | 0.7895026361661285 | 0 | 1
CBNA | 0 | 0 | 0 | 0 | 1 | 93050067.5 | 1 | 93050067.5 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés déc. 22 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DECEMBRE 2022
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 2 | 770502956 | 5 | 4689503765 | 1 | 2128227730 | 8 | 7588234451 | 0.10153916052217665 | 0.6179966888585003 | 0.280464150619323 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 4 | 1079936564.074 | 6 | 3056700469.9597 | 3 | 2512473592.376 | 13 | 6649110626.4097 | 0.16241819767362328 | 0.4597156885642339 | 0.37786611376214274 | 0.9999999999999999
CAPITALBK | 3 | 2163144000 | 1 | 1133769000 | 0 | 0 | 4 | 3296913000 | 0.6561119447191964 | 0.3438880552808036 | 0 | 1
SOGEBK | 9 | 6486543770.7227 | 5 | 8043988757.084217 | 3 | 6760158185.03075 | 17 | 21290690712.83767 | 0.30466572729890357 | 0.3778171814892753 | 0.3175170912118211 | 1
SOGEBL | 4 | 241261877.6016 | 0 | 0 | 0 | 0 | 4 | 241261877.6016 | 1 | 0 | 0 | 1
UNIBK | 4 | 5537076810 | 9 | 23393050580 | 0 | 0 | 13 | 28930127390 | 0.1913948298725414 | 0.8086051701274586 | 0 | 1
CBNA | 0 | 0 | 0 | 0 | 1 | 92745470 | 1 | 92745470 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés sept. 22 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2022
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 4 | 2154395435 | 3 | 2812938605 | 1 | 1723199839.9999998 | 8 | 6690533880 | 0.3220065055555776 | 0.42043559683760245 | 0.25755789760681996 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 2 | 406106991.3250065 | 8 | 3272216767.6059375 | 2 | 1517407628.044643 | 12 | 5195731386.975587 | 0.07816166023190041 | 0.6297894413496 | 0.29204889841849957 | 1
CAPITALBK | 3 | 1764162685.8899999 | 1 | 892540238.6700001 | 0 | 0 | 4 | 2656702924.56 | 0.6640421364320132 | 0.33595786356798685 | 0 | 1
SOGEBK | 6 | 3211196670.927303 | 10 | 14049425400.632898 | 0 | 0 | 16 | 17260622071.5602 | 0.1860417693878075 | 0.8139582306121926 | 0 | 1.0000000000000002
SOGEBL | 1 | 53069407.446582004 | 0 | 0 | 0 | 0 | 1 | 53069407.446582004 | 1 | 0 | 0 | 1
UNIBK | 8 | 7994556320 | 8 | 16685831110 | 0 | 0 | 16 | 24680387430 | 0.3239234530930538 | 0.6760765469069462 | 0 | 1
CBNA | 0 | 0 | 0 | 0 | 1 | 92745467.50000001 | 1 | 92745467.50000001 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés juin 22 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2022
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 4 | 1635872995 | 4 | 3422922235 | 1 | 1696853770 | 9 | 6755649000 | 0.24214890308836354 | 0.5066755592245837 | 0.2511755376870527 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 2 | 446685551.34889996 | 8 | 3683103747.434232 | 1 | 1618236861.0972395 | 11 | 5748026159.880371 | 0.07771112011748334 | 0.6407597399506069 | 0.28152913993190987 | 1
CAPITALBK | 2 | 1104262090 | 1 | 782642060 | 0 | 0 | 3 | 1886904150 | 0.5852242627162594 | 0.4147757372837407 | 0 | 1
SOGEBK | 5 | 2850836968.1466074 | 8 | 11792945980.338305 | 0 | 0 | 13 | 14643782948.484913 | 0.19467899641612504 | 0.8053210035838749 | 0 | 1
SOGEBL | 3 | 141582499.6781975 | 0 | 0 | 0 | 0 | 3 | 141582499.6781975 | 1 | 0 | 0 | 1
UNIBK | 7 | 7994418510 | 6 | 12642547540 | 0 | 0 | 13 | 20636966050 | 0.3873834211206642 | 0.6126165788793358 | 0 | 1
CBNA | 0 | 0 | 2 | 127110646.49 | 1 | 92745467.50000001 | 3 | 219856113.99 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés mars 22]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 MARS 2022
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 2075657895 | 3 | 3006594880 | 1 | 1532976010 | 9 | 6615228785 | 0.3137696310226707 | 0.4544959785544288 | 0.23173439042290053 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 2 | 553233823.4519601 | 6 | 2764593246.35172 | 2 | 2177113101.8637996 | 10 | 5494940171.6674795 | 0.10068059090151608 | 0.5031161686902924 | 0.39620324040819155 | 1
CAPITALBK | 3 | 1353929200 | 1 | 714912400.0000002 | 0 | 0 | 4 | 2068841600.0000002 | 0.6544383098251697 | 0.3455616901748303 | 0 | 1
SOGEBK | 5 | 2849746903.8690395 | 8 | 11145572201.858389 | 0 | 0 | 13 | 13995319105.727428 | 0.20362143101851907 | 0.796378568981481 | 0 | 1
SOGEBL | 1 | 48617766.94032 | 0 | 0 | 0 | 0 | 1 | 48617766.94032 | 1 | 0 | 0 | 1
UNIBK | 8 | 8993765350 | 5 | 10175114560 | 0 | 0 | 13 | 19168879910 | 0.4691857527527283 | 0.5308142472472718 | 0 | 1
CBNA | 0 | 0 | 2 | 119471309.5642116 | 1 | 92745467.50000001 | 3 | 212216777.0642116 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés décembre 21]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DECEMBRE 2021
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 3135406550.645 | 2 | 2150595485 | 0 | 0 | 8 | 5286002035.645 | 0.5931527323489606 | 0.4068472676510393 | 0 | 0.9999999999999999
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 3 | 702296595.6876445 | 5 | 2027626118.6134224 | 3 | 2660857334.032674 | 11 | 5390780048.33374 | 0.13027736049158978 | 0.37612851951549203 | 0.49359411999291825 | 1
CAPITALBK | 4 | 1532319940 | 1 | 787274760 | 0 | 0 | 5 | 2319594700 | 0.660598138114387 | 0.33940186188561305 | 0 | 1
SOGEBK | 5 | 2862576206.583494 | 7 | 10124404994.664722 | 0 | 0 | 12 | 12986981201.248217 | 0.22041890738306172 | 0.7795810926169383 | 0 | 1
SOGEBL | 1 | 62976818.887131006 | 0 | 0 | 0 | 0 | 1 | 62976818.887131006 | 1 | 0 | 0 | 1
UNIBK | 9 | 8760422900 | 5 | 9074851060 | 0 | 0 | 14 | 17835273960 | 0.49118521642265817 | 0.5088147835773418 | 0 | 1
CBNA | 0 | 0 | 3 | 189503163.72243115 | 1 | 85421600 | 4 | 274924763.7224312 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés septembre 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 septembre 2021
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 3090590010 | 2 | 2132220825.0000002 | 1 | 1425799164.93 | 9 | 6648609999.93 | 0.46484754106986864 | 0.320701744428151 | 0.21445071450198033 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 3 | 679513467.0053409 | 6 | 2509623825.571724 | 2 | 2184024604.3211465 | 11 | 5373161896.8982115 | 0.12646435749453347 | 0.4670664822179405 | 0.406469160287526 | 1
CAPITALBK | 4 | 1569006270 | 1 | 939692180 | 0 | 0 | 5 | 2508698450 | 0.6254264118511335 | 0.3745735881488666 | 0 | 1
SOGEBK | 7 | 4074665688.859984 | 5 | 5296861248.873039 | 2 | 3591567123.652376 | 14 | 12963094061.385399 | 0.3143281742433422 | 0.4086108782201454 | 0.27706094753651245 | 1
SOGEBL | 3 | 152968497.39399403 | 0 | 0 | 0 | 0 | 3 | 152968497.39399403 | 1 | 0 | 0 | 1
UNIBK | 8 | 8346076530 | 3 | 5393985500 | 0 | 0 | 11 | 13740062030 | 0.6074264083944605 | 0.3925735916055395 | 0 | 1
CBNA | 0 | 0 | 2 | 142377130.09320787 | 2 | 171232900.00000003 | 4 | 313610030.0932079 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés juin 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2021
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 2514290500 | 3 | 3469067403.69 | 0 | 0 | 8 | 5983357903.690001 | 0.4202139568568028 | 0.5797860431431971 | 0 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 4 | 779500601.5524001 | 4 | 1523099106.661852 | 2 | 2099398230.4366398 | 10 | 4401997938.650892 | 0.1770788202121009 | 0.34600177644077806 | 0.4769194033471209 | 0.9999999999999999
CAPITALBK | 4 | 1331297600 | 2 | 1247492670 | 0 | 0 | 6 | 2578790270 | 0.5162488844042366 | 0.48375111559576345 | 0 | 1
SOGEBK | 6 | 2961105079.5685964 | 7 | 6850753233.733779 | 2 | 3515607566.746416 | 15 | 13327465880.048792 | 0.222180653563058 | 0.5140326972428684 | 0.26378664919407363 | 1
SOGEBL | 2 | 98746273.85316603 | 0 | 0 | 0 | 0 | 2 | 98746273.85316603 | 1 | 0 | 0 | 1
UNIBK | 13 | 11536699870 | 2 | 4035574640 | 0 | 0 | 15 | 15572274510 | 0.7408487348840089 | 0.25915126511599107 | 0 | 1
CBNA | 0 | 0 | 1 | 77937508.66729 | 3 | 395533474.5 | 4 | 473470983.16729 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés mars 21]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 MARS 2021
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 4 | 1640388950 | 4 | 3546224180 | 1 | 1288751470 | 9 | 6475364600 | 0.25332765818313924 | 0.5476485725606864 | 0.1990237692561744 | 1.0000000000000002
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 6 | 1384005817 | 3 | 1112709061 | 2 | 1993096454 | 11 | 4489811332 | 0.30825478280921226 | 0.2478298036867265 | 0.4439154135040612 | 1
CAPITALBK | 5 | 1651408060 | 1 | 587179200 | 0 | 0 | 6 | 2238587260 | 0.7377009998707845 | 0.2622990001292154 | 0 | 1
SOGEBK | 5 | 2909855000 | 6 | 7496503000 | 0 | 0 | 11 | 10406358000 | 0.279622803674446 | 0.7203771963255541 | 0 | 1
SOGEBL | 1 | 56439144.150000006 | 0 | 0 | 0 | 0 | 1 | 56439144.150000006 | 1 | 0 | 0 | 1
UNIBK | 10 | 9183056000 | 3 | 4902209000 | 0 | 0 | 13 | 14085265000 | 0.6519618906708535 | 0.3480381093291465 | 0 | 1
CBNA | 1 | 66841000 | 2 | 202939000 | 1 | 139717000 | 4 | 409497000 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés décembre 20]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DECEMBRE 2020
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 3 | 1217382000 | 5 | 4594404500 | 0 | 0 | 8 | 5811786500 | 0.20946777724887175 | 0.7905322227511282 | 0 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 7 | 1865464000 | 1 | 428403000 | 2 | 1949183000 | 10 | 4243050000 | 0.43965166566502867 | 0.10096581468519107 | 0.4593825196497802 | 1
CAPITALBK | 4 | 1673374000 | 0 | 0 | 0 | 0 | 4 | 1673374000 | 1 | 0 | 0 | 1
SOGEBK | 6 | 3437111000 | 4 | 4290249000 | 0 | 0 | 10 | 7727360000 | 0.444797576403843 | 0.555202423596157 | 0 | 1
SOGEBL | 1 | 53571632.76999998 | 0 | 0 | 0 | 0 | 1 | 53571632.76999998 | 1 | 0 | 0 | 1
UNIBK | 9 | 7719065000 | 4 | 5797168000 | 0 | 0 | 13 | 13516233000 | 0.5710958815226106 | 0.42890411847738935 | 0 | 1
CBNA | 0 | 0 | 3 | 270850000 | 1 | 135403000 | 4 | 406253000 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés septembre 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2020
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 2602606000 | 7 | 7240180500 | 1 | 4078862000 | 13 | 13921648500 | 0.1869466823559006 | 0.5200663197321783 | 0.2929869979119211 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 9 | 2033315000 | 3 | 1027390000 | 2 | 1847580000 | 14 | 4908285000 | 0.4142618042758316 | 0.20931751110622143 | 0.376420684617947 | 1
CAPITALBK | 4 | 1592908000 | 0 | 0 | 0 | 0 | 4 | 1592908000 | 1 | 0 | 0 | 1
SOGEBK | 10 | 5158946000 | 4 | 4229818000 | 0 | 0 | 14 | 9388764000 | 0.5494808475322204 | 0.45051915246777957 | 0 | 1
SOGEBL | 2 | 89791892.22 | 0 | 0 | 0 | 0 | 2 | 89791892.22 | 1 | 0 | 0 | 1
UNIBK | 9 | 0 | 4 | 5297015000 | 0 | 0 | 13 | 5297015000 | 0 | 1 | 0 | 1
CBNA | 1 | 37555000 | 2 | 235071000 | 2 | 254402000 | 5 | 527028000 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés juin 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2020
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 1849381000 | 7 | 5286345000 | 4 | 7381148000 | 16 | 14516874000 | 0.12739526429725848 | 0.3641517450657766 | 0.5084529906369649 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 5 | 1167591000 | 6 | 2406011000 | 2 | 2551407000 | 13 | 6125009000 | 0.19062682193609837 | 0.39281754524768864 | 0.416555632816213 | 1
CAPITALBK | 5 | 2002344000 | 2 | 1197485000 | 0 | 0 | 7 | 3199829000 | 0.6257659393673849 | 0.37423406063261505 | 0 | 1
SOGEBK | 13 | 7810002000 | 5 | 5866180000 | 0 | 0 | 18 | 13676182000 | 0.5710659597832202 | 0.4289340402167798 | 0 | 1
SOGEBL | 6 | 309009726.89000005 | 0 | 0 | 0 | 0 | 6 | 309009726.89000005 | 1 | 0 | 0 | 1
UNIBK | 8 | 7590073000 | 7 | 10854416000 | 1 | 2501659000 | 16 | 20946148000 | 0.36236127998331724 | 0.5182058295396366 | 0.11943289047704618 | 1
CBNA | 1 | 66480108.25678101 | 2 | 251721930.443333 | 2 | 298897892.607767 | 5 | 617099931.307881 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés mars 20]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 MARS 2020
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 3643481000 | 3 | 2972025000 | 2 | 3699378000 | 11 | 10314884000 | 0.3532255912911866 | 0.2881297550219663 | 0.35864465368684706 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 6 | 1326979000 | 5 | 1756663000 | 3 | 2914758000 | 14 | 5998400000 | 0.22122215924246466 | 0.2928552614030408 | 0.4859225793544945 | 1
CAPITALBK | 3 | 879417000 | 3 | 1563202000 | 0 | 0 | 6 | 2442619000 | 0.36003036085447626 | 0.6399696391455237 | 0 | 1
SOGEBK | 15 | 7472477000 | 3 | 3292503000 | 1 | 1728974000 | 19 | 12493954000 | 0.5980874429343985 | 0.26352770307942547 | 0.13838485398617603 | 1
SOGEBL | 6 | 264044249 | 0 | 0 | 0 | 0 | 6 | 264044249 | 1 | 0 | 0 | 1
UNIBK | 6 | 5910469000 | 7 | 13451143000 | 0 | 0 | 13 | 19361612000 | 0.3052674023216662 | 0.6947325976783338 | 0 | 1
CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés déc 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DECEMBRE 2019
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 3 | 1495603000 | 7 | 6744772650 | 2 | 3485466000 | 12 | 11725841650 | 0.12754760337395482 | 0.5752058446056194 | 0.29724655202042577 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 7 | 1567348000 | 6 | 2370348000 | 2 | 2228181000 | 15 | 6165877000 | 0.25419709150863695 | 0.3844299845747815 | 0.36137292391658155 | 1
CAPITALBK | 4 | 1085566000 | 4 | 2164288000 | 0 | 0 | 8 | 3249854000 | 0.33403531358639493 | 0.6659646864136051 | 0 | 1
SOGEBK | 11 | 5086914000 | 6 | 5584852000 | 0 | 0 | 17 | 10671766000 | 0.47667030930026016 | 0.5233296906997399 | 0 | 1
SOGEBL | 8 | 292177410 | 1 | 63743409 | 0 | 0 | 9 | 355920819 | 0.8209056464325567 | 0.17909435356744333 | 0 | 1
UNIBK | 6 | 5445618000 | 5 | 8593430000 | 0 | 0 | 11 | 14039048000 | 0.3878908313441196 | 0.6121091686558804 | 0 | 1
CBNA | 0 | 0 | 5 | 610735000 | 0 | 0 | 5 | 610735000 | 0 | 1 | 0 | 1
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés sept 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2019
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 4 | 1778988000 | 4 | 3160231000 | 4 | 6338804000 | 12 | 11278023000 | 0.15773934846559542 | 0.2802114342203416 | 0.562049217314063 | 1
BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
BUH | 4 | 858622000 | 8 | 3278829000 | 2 | 1931115000 | 14 | 6068566000 | 0.1414868026482698 | 0.5402971641076326 | 0.31821603324409753 | 1
CAPITALBK | 4 | 1250061000 | 3 | 1551126000 | 0 | 0 | 7 | 2801187000 | 0.4462611742807603 | 0.5537388257192397 | 0 | 1
SOGEBK | 15 | 6100050000 | 7 | 6532509000 | 0 | 0 | 22 | 12632559000 | 0.48288315930287756 | 0.5171168406971224 | 0 | 1
SOGEBL | 9 | 330244072 | 1 | 64646181 | 0 | 0 | 10 | 394890253 | 0.8362932979254871 | 0.16370670207451285 | 0 | 1
UNIBK | 8 | 6338253000 | 6 | 9640230000 | 0 | 0 | 14 | 16046791000 | 0.3949857015025621 | 0.6007574972466457 | 0 | 0.9957431987492078
CBNA | 1 | 58988000 | 3 | 354295000 | 1 | 131089000 | 5 | 544372000 | 0.10835972460008965 | 0.6508325189392548 | 0.24080775646065558 | 1
SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0!
[Non apparentés juin 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' activitésjuin. 24]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2024
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 755.6581600000001 | 0 | 4377.20254 | 0 | 49.629999999999995 | 0 | 0 | 0 | 5182.4907
200 | Industrie alimentaire | 2783141.26 | 0 | 1043477.4976556209 | 1478595.005902099 | 4118552.90554 | 1020464.4 | 9471.23797 | 0 | 0 | 10453702.30706772
210 | Industrie des boissons | 0 | 0 | 97705.543917644 | 2622525.334974068 | 1768088.15334 | 182203.8 | 0 | 0 | 0 | 4670522.832231712
220 | Industrie du bois | 0 | 0 | 0 | 44100 | 0 | 3714.4 | 0 | 0 | 0 | 47814.4
230 | Industrie chimique | 0 | 0 | 6350.40373 | 192863.25819199398 | 118874.96844 | 144471.74 | 0 | 0 | 0 | 462560.37036199396
240 | Industrie du textile | 269343.48 | 0 | 55222.332749726986 | 950098.033182152 | 32665.799 | 269832.67 | 0 | 0 | 0 | 1577162.3149318788
250 | Industrie pharmacie | 0 | 0 | 40260.41378 | 0 | 178736.56828 | 21721.95 | 0 | 0 | 0 | 240718.93206000002
260 | Imprimerie, édition | 89758.06 | 0 | 0 | 137017.390675246 | 217948.53352 | 96705.3 | 0 | 0 | 0 | 541429.2841952461
270 | Sidérurgie, aciérie | 25043.94 | 0 | 189031.264507775 | 1018559.699548365 | 0 | 646078.9 | 0 | 0 | 0 | 1878713.8040561401
280 | Industrie de la fabrication | 996.49 | 952.45541 | 228746.48884394497 | 2622069.752831511 | 664898.6978099999 | 272446.36 | 0 | 0 | 0 | 3790110.244895456
290 | Autres industries | 0 | 0 | 41011.854839982996 | 0 | 929074.7558500001 | 271448.43 | 0 | 0 | 0 | 1241535.0406899832
300 | Production et distribution de l'électricité | 1933318.52 | 0 | 11208.392380000001 | 0 | 0 | 6821.49 | 0 | 0 | 0 | 1951348.40238
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 110939.2696 | 2902.18 | 0 | 0 | 0 | 113841.44959999999
500 | Traitement et distribution de l'eau | 0 | 0 | 319449.699421833 | 224002.80582689703 | 6719.70982 | 15326.29 | 0 | 0 | 0 | 565498.5050687301
600 | Entrep/ batiment et corps/ métiers corresp. | 502917.12 | 83285.22348999999 | 1797510.762831268 | 4427612.394981552 | 602088.96522 | 717209.12 | 0 | 0 | 0 | 8130623.5865228195
700 | Commerce de gros(1) | 2657749.3200000003 | 353368.67819999997 | 4448531.062721452 | 10486882.606467066 | 11162703.673630001 | 2001093.63 | 0 | 0 | 0 | 31110328.97101852
800 | Commerce de détail(2) | 1023341.23 | 480487.0867 | 1404071.7634836428 | 3473139.900110926 | 7498710.410499999 | 1630791.23 | 0 | 0 | 0 | 15510541.620794568
900 | Rest/débits/boissons, casinos/activités/loterie | 14004.98 | 0 | 3607.16714 | 2759.02809 | 416.89955 | 62673.19 | 0 | 0 | 0 | 83461.26478
1000 | Hotels,motels et pensions | 2509778.86 | 0 | 327.10442 | 476205.3753207459 | 829161.14829 | 113848.61 | 144352.74799 | 0 | 0 | 4073673.846020746
1100 | Transport | 240050.53 | 133886.55104000002 | 236748.95759722195 | 308317.512148705 | 796651.86179 | 36502.49 | 0 | 0 | 0 | 1752157.902575927
1200 | Immobilier résidentiel / Avance Hypothécaire | 2134308.58 | 188864.6407 | 1257605.4853838906 | 360481.6764211669 | 2457197.87561 | 1393009.84 | 3905602.4644150315 | 0 | 0 | 11697070.56253009
1300 | Immobilier commercial | 3168717.02 | 37897.08719 | 1115273.72900469 | 5647457.844726887 | 2632936.5441300003 | 238618.88 | 1049800.2564193099 | 0 | 0 | 13890701.36147089
1400 | Télécommunications | 241.96 | 0 | 72744.299495853 | 33234.859011199995 | 11808.092600000002 | 18188.35 | 0 | 0 | 0 | 136217.561107053
1500 | Services financiers | 66387.44 | 0 | 282556.637927118 | 1127845.2122736152 | 46665.4907 | 1960077.37 | 0 | 0 | 0 | 3483532.150900733
1510 | Services professionnels | 272071.85 | 0 | 76221.33073963801 | 75550.13752443402 | 590206.7119199999 | 554754.94 | 0 | 0 | 0 | 1568804.970184072
1520 | Services médicaux | 37596.14 | 0 | 2841.035017493 | 12318.58157 | 78762.47399 | 32887.17 | 0 | 0 | 0 | 164405.400577493
1530 | Services d'agence ou de représentation | 194.24 | 775.39098 | 17736.896981287 | 42318.226966285 | 44302.70903 | 1837.7 | 0 | 0 | 0 | 107165.163957572
1540 | Services d'enseignement | 495745.11 | 0 | 2995.8983900000003 | 24689.184562436 | 75522.76591 | 1160.92 | 0 | 0 | 0 | 600113.878862436
1550 | Autres services | 27098.94 | 18173.93015 | 580589.757020626 | 656592.7073671209 | 2765612.98271 | 153983.44 | 0 | 0 | 0 | 4202051.757247747
1560 | Crédit à la consommation | 3851199.9200000004 | 30938.08483 | 559623.2179128384 | 2428025.0421339353 | 1140586.63099 | 344063.6 | 34479.03714314599 | 0 | 0 | 8388915.53300992
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 | 0
Total | 22103004.990000006 | 1329384.7868499998 | 13891448.99789355 | 38877638.773348406 | 38879834.597770005 | 12214888.020000001 | 5143705.743937488 | 0 | 0 | 132439905.90979943
1000
(1) Commerce de gros
Import-export | 776538.71 | 11582.652320000001 | 785352.3736056699 | 2151407.4060448143 | 1441523.35148 | 240362 | 0 | 5406766.493450484
Produits pétroliers | 489149.77 | 0 | 1551991.3466546498 | 1469867.098219291 | 514655.53794999997 | 156004 | 0 | 4181667.7528239405
Produits pharmaceutiques | 0 | 0 | 14385.385328998998 | 102672.710180916 | 109786.74086 | 22290 | 0 | 249134.836369915
Produits alimentaires | 395915.18 | 16616.35914 | 727604.7708444599 | 3324177.6751765595 | 1566327.86909 | 1160913 | 0 | 7191554.85425102
Matériaux de construction | 147705.52 | 208243.51001 | 1149322.188046369 | 324602.636962211 | 5584906.70967 | 409113 | 0 | 7823893.56468858
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 15 | 0 | 15
Autres | 848440.14 | 116926.15673 | 219874.99824130398 | 3114155.0798832737 | 2002108.63029 | 12395 | 0 | 0 | 6313900.0051445775
S-Total | 2657749.32 | 353368.6782 | 4448531.062721452 | 10486882.606467064 | 11219308.83934 | 2001092 | 0 | 0 | 0 | 31166932.50672852
0
(2) Commerce de détail
Produits pétroliers | 108427.87 | 0 | 40363.477674605994 | 78140.498154244 | 149192.91064000002 | 100741 | 476865.75646885
Produits pharmaceutiques | 0 | 0 | 0 | 225.37882000000002 | 9090.85077 | 209 | 0 | 9525.229589999999
Véhicules automobiles | 21836.05 | 0 | 81577.68952 | 1083201.3419591899 | 1752991.99868 | 568292 | 0 | 3507899.08015919
Produits alimentaires | 132413.66 | 0 | 755507.2348267531 | 767930.1223647721 | 1448185.45322 | 209082 | 0 | 3313118.470411525
Librairie ,papeterie | 48.92 | 0 | 0 | 42736.652966354995 | 135891.24201 | 0 | 0 | 178676.81497635497
Appareils électro- ménagers électroni.équip. inform. | 4656.09 | 0 | 67999.56568017999 | 261611.84780752595 | 1648775.10489 | 604720 | 0 | 2587762.6083777063
Matériaux de construction | 71478.89 | 0 | 6847.605376674999 | 98234.43292247399 | 936484.92799 | 6310 | 0 | 1119355.856289149
Autres | 684479.74 | 480487.0867 | 451776.190405429 | 1141059.6251163671 | 1423956.7061 | 141452 | 0 | 0 | 4323211.348321796
S-Total | 1023341.22 | 480487.0867 | 1404071.763483643 | 3473139.9001109283 | 7504569.194300001 | 1630806 | 0 | 0 | 0 | 15516415.164594572
[Secteur d'activitésjuin. 24%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 Juin 2024
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 | 0.0005684269652209163 | 0 | 0.00011258920752668452 | 0 | 4.063074497182332e-06 | 0 | #DIV/0! | 3.91308847918514e-05
200 | Industrie alimentaire | 0.12591687244603925 | 0 | 0.0751165337621619 | 0.038032016669585215 | 0.10593030932740193 | 0.0835426733613232 | 0.0018413257759083634 | #DIV/0! | 0.07893166515980012
210 | Industrie des boissons | 0 | 0 | 0.007033502691652953 | 0.06745587997931281 | 0.04547571180874855 | 0.014916534617564179 | 0 | #DIV/0! | 0.03526522312249795
220 | Industrie du bois | 0 | 0 | 0 | 0.0011343281482987504 | 0 | 0.00030408792892069425 | 0 | #DIV/0! | 0.000361027136583477
230 | Industrie chimique | 0 | 0 | 0.00045714480404189316 | 0.004960776021310394 | 0.00305749676329174 | 0.01182751243920122 | 0 | #DIV/0! | 0.003492605700558478
240 | Industrie du textile | 0.012185830846161335 | 0 | 0.003975275204055438 | 0.024438161965573586 | 0.0008401733016084791 | 0.02209047430956309 | 0 | #DIV/0! | 0.01190851280131559
250 | Industrie pharmacie | 0 | 0 | 0.0028982155703199106 | 0 | 0.00459715351490337 | 0.0017783175715105736 | 0 | #DIV/0! | 0.0018175709987588331
260 | Imprimerie, édition | 0.004060898508624007 | 0 | 0 | 0.003524323878670709 | 0.005605696006034467 | 0.007917002582558263 | 0 | #DIV/0! | 0.00408811287259594
270 | Sidérurgie, aciérie | 0.0011330558904244265 | 0 | 0.0136077427586164 | 0.026199114238558467 | 0 | 0.05289274031347198 | 0 | #DIV/0! | 0.014185405759316016
280 | Industrie de la fabrication | 4.508391508081543e-05 | 0.0007164632989797179 | 0.016466711923186075 | 0.067444161619944 | 0.017101376708226427 | 0.022304450073869768 | 0 | #DIV/0! | 0.02861758484996794
290 | Autres industries | 0 | 0 | 0.0029523093556476283 | 0 | 0.02389605731253003 | 0.02222275223117436 | 0 | #DIV/0! | 0.00937432741409189
300 | Production et distribution de l'électricité | 0.08746858270514282 | 0 | 0.0008068555254170823 | 0 | 0 | 0.00055845702300593 | 0 | #DIV/0! | 0.01473384014414055
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0028533884145269237 | 0.00023759366399823937 | 0 | #DIV/0! | 0.0008595706016095614
500 | Traitement et distribution de l'eau | 0 | 0 | 0.022996139529452488 | 0.005761738955722192 | 0.00017283277795593853 | 0.0012547221042800848 | 0 | #DIV/0! | 0.004269849794773133
600 | Entrep/ batiment et corps/ métiers corresp. | 0.02275333694343974 | 0.06264944831161019 | 0.1293969234673673 | 0.11388583604045395 | 0.01548589317441524 | 0.05871597994395694 | 0 | #DIV/0! | 0.06139104019041154
700 | Commerce de gros(1) | 0.12024380038833804 | 0.26581369193889537 | 0.32023520824904667 | 0.26974072853560455 | 0.2871077973739695 | 0.16382414859010713 | 0 | #DIV/0! | 0.23490147291562383
800 | Commerce de détail(2) | 0.0462987376812785 | 0.3614356741952211 | 0.10107453611905794 | 0.08933515536678761 | 0.1928688866112125 | 0.13350848794764472 | 0 | #DIV/0! | 0.11711380730939436
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0006336233469764057 | 0 | 0.0002596681700049418 | 7.096696654045211e-05 | 1.0722770667957309e-05 | 0.0051308853505150675 | 0 | #DIV/0! | 0.000630182150966211
1000 | Hotels,motels et pensions | 0.11354921473960176 | 0 | 2.3547177839374493e-05 | 0.012248824526020254 | 0.021326251947006932 | 0.00932047922286233 | 0.02806395917187489 | #DIV/0! | 0.03075865856319163
1100 | Transport | 0.010860538198702183 | 0.10071316624379802 | 0.0170427834873901 | 0.007930458790106985 | 0.020490104189787188 | 0.0029883605924370966 | 0 | #DIV/0! | 0.013229833489682978
1200 | Immobilier résidentiel | 0.09656191911306262 | 0.14206920567183412 | 0.09053090758023799 | 0.009272211168037451 | 0.06319980270057361 | 0.1140419656503736 | 0.7592974129630726 | #DIV/0! | 0.08831983443492167
1300 | Immobilier commercial | 0.1433613674445449 | 0.028507237005320183 | 0.08028490974367081 | 0.14526236733796602 | 0.0677198494121427 | 0.019535085349067324 | 0.2040941509254555 | #DIV/0! | 0.10488305066398493
1400 | Télécommunications | 1.0946927809565677e-05 | 0 | 0.005236624308010179 | 0.0008548579610236854 | 0.00030370737741454456 | 0.0014890312518804406 | 0 | #DIV/0! | 0.0010285235418381106
1500 | Services financiers | 0.003003548161439382 | 0 | 0.020340328641739524 | 0.029010126331200477 | 0.0012002492084335296 | 0.16046625779873502 | 0 | #DIV/0! | 0.026302738037833215
1510 | Services professionnels | 0.0123092697179905 | 0 | 0.005486924420281566 | 0.0019432799909706842 | 0.015180278363474619 | 0.04541629355027029 | 0 | #DIV/0! | 0.011845409881614796
1520 | Services médicaux | 0.0017009515229720802 | 0 | 0.00020451682311354306 | 0.0003168551887066942 | 0.00202579241410964 | 0.0026923840763953227 | 0 | #DIV/0! | 0.0012413584821591784
1530 | Services d'agence ou de représentation | 8.787945353488334e-06 | 0.0005832705381241065 | 0.0012768212289428237 | 0.0010884978692506193 | 0.0011394778164138853 | 0.00015044755195389828 | 0 | #DIV/0! | 0.0008091606772248748
1540 | Services d'enseignement | 0.02242885572456272 | 0 | 0.00021566493102730233 | 0.00063504845822481 | 0.0019424662345228108 | 9.504139523008087e-05 | 0 | #DIV/0! | 0.004531216439183779
1550 | Autres services | 0.0012260296738954856 | 0.013670932847865245 | 0.041794758567566606 | 0.016888698184449196 | 0.07113232376941811 | 0.012606209712923753 | 0 | #DIV/0! | 0.03172798808925181
1560 | Crédit à la consommation | 0.17423874815855975 | 0.023272482983131112 | 0.040285445960151295 | 0.06245299660015379 | 0.029336200701209247 | 0.0281675607207081 | 0.006703151163688539 | #DIV/0! | 0.06334129789191591
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999999999999999 | 1 | 0.9999999999999996 | 1 | 0.9999999999999997 | 1 | 0.9999999999999999 | #DIV/0! | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.03513272110970101 | 0.008712791386341418 | 0.056534949933931156 | 0.05533791335907102 | 0.03707637561716068 | 0.019677789891028405 | 0 | #DIV/0! | 0.04082430032178413
Produits pétroliers | 0.022130464623308213 | 0 | 0.11172278333887187 | 0.03780751981334118 | 0.013237081465864019 | 0.01277162752082274 | 0 | #DIV/0! | 0.03157407674143124
Produits pharmaceutiques | 0 | 0 | 0.001035556861719778 | 0.0026409193927513083 | 0.002823745059509511 | 0.0018248222958330482 | 0 | #DIV/0! | 0.0018811160779560862
Produits alimentaires | 0.01791227845169119 | 0.012499284860459965 | 0.052377888797258756 | 0.08550358972560254 | 0.04028638200996458 | 0.0950408221589247 | 0 | #DIV/0! | 0.05430051316367558
Matériaux de construction | 0.006682599043289631 | 0.15664652707771434 | 0.08273594700024801 | 0.008349340320141414 | 0.1436453309909484 | 0.03349297998722054 | 0 | #DIV/0! | 0.059075046232796205
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.1325891465232555e-07
Autres | 0.03838573716034798 | 0.0879550886143797 | 0.015828082317017114 | 0.08010144592469708 | 0.05149478260395771 | 0.0010147452829452953 | 0 | #DIV/0! | 0.047673697453732504
S-Total | 0.12024380038833804 | 0.2658136919388954 | 0.32023520824904667 | 0.26974072853560455 | 0.2885636977474049 | 0.16382278713677473 | - | #DIV/0! | 0.23532886325029043
(2) Commerce de détail
Produits pétroliers | 0.004905571439225376 | 0 | 0.0029056348031603163 | 0.002009908539193776 | 0.0038372825446268007 | 0.008247394477546752 | 0 | #DIV/0! | 0.0036006198675014763
Produits pharmaceutiques | 0 | 0 | 0 | 5.797132416243932e-06 | 0.00023381917294785546 | 1.7110267376810546e-05 | 0 | 0 | 7.192114434517438e-05
Véhicules automobiles | 0.0009879222309310076 | 0 | 0.005872511178090216 | 0.027861808899303613 | 0.04508743457413126 | 0.04652453621101636 | 0 | #DIV/0! | 0.02648672283524807
Produits alimentaires | 0.005990753748637685 | 0 | 0.054386495961747085 | 0.019752488746595572 | 0.03724772669951282 | 0.017116980496068433 | 0 | #DIV/0! | 0.02501601347155882
Librairie ,papeterie | 2.2132737164984005e-06 | 0 | 0 | 0.0010992605084764572 | 0.0034951599824396933 | 0 | 0 | 0 | 0.0013491161425170902
Appareils électro- ménagers électroni.équip. inform. | 0.00021065416227823052 | 0 | 0.004895066431910106 | 0.0067291084557035245 | 0.04240694750755363 | 0.04950679850767882 | 0 | #DIV/0! | 0.019539145626848668
Matériaux de construction | 0.0032338991929983718 | 0 | 0.0004929367251546866 | 0.0025267592380074314 | 0.024086648970562057 | 0.000516582713625237 | 0 | 0 | 0.008451801959535567
Autres | 0.03096772318106416 | 0.3614356741952211 | 0.03252189101899555 | 0.029350023847091043 | 0.03662455668424249 | 0.011580294454471797 | 0 | #DIV/0! | 0.032642815008236244
S-Total | 0.04629873722885133 | 0.3614356741952211 | 0.10107453611905796 | 0.08933515536678767 | 0.1930195761360166 | 0.1335096971277842 | - | #DIV/0! | 0.11715815605579111
[Secteur d'activitéjuin. 24 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 Juin 2024
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3681090.5500000003 | 833855.7649 | 5852602.826205094 | 13960022.506577993 | 18661414.08413 | 3631884.86 | 0 | 0 | 0 | 46620870.59181309
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3422877.56 | 18949.32113 | 966875.827636162 | 2418278.453674637 | 4430651.1821 | 2881223.34 | 144352.74799 | 0 | 0 | 14283208.432530798
Industries Manufacturières ( 200 à 290 ) | 3168283.23 | 952.45541 | 1701805.8000246948 | 9065828.475305434 | 8028840.38178 | 2929087.9499999997 | 9471.23797 | 0 | 0 | 24904269.530490126
Prêts aux Particuliers ( 1560 ) | 3851199.9200000004 | 30938.08483 | 559623.2179128384 | 2428025.0421339353 | 1140586.63099 | 344063.6 | 34479.03714314599 | 0 | 0 | 8388915.53300992
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5303025.6 | 226761.72788999998 | 2372879.2143885805 | 6007939.521148054 | 5090134.419740001 | 1631628.7200000002 | 4955402.720834341 | 0 | 0 | 25587771.924000975
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 240292.49 | 133886.55104000002 | 309493.25709307496 | 341552.371159905 | 808459.95439 | 54690.84 | 0 | 0 | 0 | 1888375.46368298
Bâtiments et Travaux Publics ( 600 ) | 502917.12 | 83285.22348999999 | 1797510.762831268 | 4427612.394981552 | 602088.96522 | 717209.12 | 0 | 0 | 0 | 8130623.5865228195
Électricité, Gaz et Eau ( 300 à 500 ) | 1933318.52 | 0 | 330658.09180183295 | 224002.80582689703 | 117658.97942 | 25049.96 | 0 | 0 | 0 | 2630688.35704873
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 755.6581600000001 | 0 | 4377.20254 | 0 | 49.629999999999995 | 0 | 0 | 0 | 5182.4907
Total | 22103004.99 | 1329384.7868500003 | 13891448.997893546 | 38877638.773348406 | 38879834.59776999 | 12214888.02 | 5143705.743937487 | 0 | 0 | 132439905.90979944
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1665425380696166 | 0.6272493661341163 | 0.4213097443681047 | 0.3590758839023922 | 0.47997668398518223 | 0.2973326365377519 | 0 | #DIV/0! | #DIV/0! | 0.35201528022501816
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15486028083279188 | 0.014254203385989346 | 0.06960222996051571 | 0.06220229751536318 | 0.11395756252404753 | 0.23587799865888578 | 0.028063959171874892 | #DIV/0! | #DIV/0! | 0.10784671232142548
Industries Manufacturières ( 200 à 290 ) | 0.1433417416063299 | 0.0007164632989797177 | 0.12250743606968223 | 0.2331887625212539 | 0.20650397474274507 | 0.23979654542915735 | 0.0018413257759083638 | #DIV/0! | #DIV/0! | 0.18804203581548617
Prêts aux Particuliers ( 1560 ) | 0.1742387481585598 | 0.0232724829831311 | 0.04028544596015131 | 0.06245299660015379 | 0.029336200701209257 | 0.028167560720708106 | 0.00670315116368854 | #DIV/0! | #DIV/0! | 0.06334129789191591
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.23992328655760756 | 0.17057644267715424 | 0.17081581732390885 | 0.15453457850600347 | 0.13091965211271636 | 0.13357705099944095 | 0.9633915638885282 | #DIV/0! | #DIV/0! | 0.19320288509890654
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.010871485126511751 | 0.10071316624379797 | 0.02227940779540029 | 0.00878531675113067 | 0.02079381156720174 | 0.004477391844317538 | 0 | #DIV/0! | #DIV/0! | 0.014258357031521087
Bâtiments et Travaux Publics ( 600 ) | 0.022753336943439745 | 0.06264944831161016 | 0.12939692346736734 | 0.11388583604045395 | 0.015485893174415245 | 0.05871597994395695 | 0 | #DIV/0! | #DIV/0! | 0.061391040190411535
Électricité, Gaz et Eau ( 300 à 500 ) | 0.08746858270514285 | 0 | 0.023802995054869575 | 0.005761738955722192 | 0.003026221192482864 | 0.0020507727912842545 | 0 | #DIV/0! | #DIV/0! | 0.01986326054052324
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0.0005684269652209161 | 0 | 0.00011258920752668452 | 0 | 4.0630744971823326e-06 | 0 | #DIV/0! | #DIV/0! | 3.913088479185139e-05
Total | 1 | 0.9999999999999998 | 0.9999999999999999 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | #DIV/0! | #DIV/0! | 1
[Secteur d' activitésept. 23 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0 | 1003.47878 | 0 | 3.43 | 0 | 0 | 0 | 1006.90878
200 | Industrie alimentaire | 2368101.9 | 755.6581600000001 | 1184511.5097257271 | 1264281.3871601762 | 4819730.06699 | 1031362.66 | 11362.46252 | 24166.66675 | 0 | 10704272.311305905
210 | Industrie des boissons | 382558.55 | 0 | 132242.789283526 | 2990733.901931656 | 2268406.41094 | 110020.66 | 0 | 0 | 0 | 5883962.312155182
220 | Industrie du bois | 0 | 0 | 0 | 78000 | 0 | 6985.22 | 0 | 0 | 0 | 84985.22
230 | Industrie chimique | 71.13 | 0 | 8740.28461 | 276964.467469617 | 194880.08638999998 | 113055.5 | 0 | 24166.66675 | 0 | 617878.1352196169
240 | Industrie du textile | 253872.85 | 0 | 89887.95654461501 | 963562.6153608161 | 0.075 | 434919.24 | 0 | 0 | 0 | 1742242.7369054311
250 | Industrie pharmacie | 0 | 0 | 41889.97979000001 | 0 | 255780.41257 | 41785.24 | 0 | 0 | 0 | 339455.63236
260 | Imprimerie, édition | 8908.02 | 0 | 0 | 45136.15185023101 | 148205.83041999998 | 42706.16 | 0 | 0 | 0 | 244956.162270231
270 | Sidérurgie, aciérie | 9487.71 | 0 | 73979.189373353 | 1032562.685989802 | 0 | 685413.4 | 0 | 0 | 0 | 1801442.9853631551
280 | Industrie de la fabrication | 1125.65 | 0 | 236460.17085353503 | 2527777.411660694 | 894076.28185 | 294178.37 | 0 | 0 | 0 | 3953617.884364229
290 | Autres industries | 0 | 936.2676 | 17804.780245086004 | 14570.618078051999 | 3456697.95431 | 244432.04 | 0 | 0 | 0 | 3734441.660233138
300 | Production et distribution de l'électricité | 1965553.11 | 0 | 11208.392380000001 | 0 | 0 | 18814.41 | 0 | 0 | 0 | 1995575.91238
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 121938.48744 | 0 | 0 | 0 | 0 | 121938.48744
500 | Traitement et distribution de l'eau | 0 | 0 | 363881.723670252 | 248489.69419488203 | 7788.57604 | 76458.71 | 0 | 0 | 0 | 696618.703905134
600 | Entrep/ batiment et corps/ métiers corresp. | 578874.61 | 0 | 550343.4352949141 | 5014984.758324441 | 1765265.75279 | 825296.75 | 0 | 8210.4605276043 | 0 | 8742975.76693696
700 | Commerce de gros(1) | 2610349.6 | 84434.76289 | 3925537.7329403562 | 12634221.1094528 | 14316395.232210007 | 2284035.71 | 0 | 24166.66675 | 0 | 35879140.81424316
800 | Commerce de détail(2) | 1034017.2400000001 | 384483.95862 | 1277015.85815406 | 5564782.650609202 | 9688241.865879994 | 1818561.76 | 0 | 24166.66675 | 0 | 19791270.00001326
900 | Rest/débits/boissons, casinos/activités/loterie | 14434.86 | 496210.53455000004 | 2006.4515800000001 | 1781.49657 | 472.94225 | 53564.76 | 0 | 0 | 0 | 568471.04495
1000 | Hotels,motels et pensions | 2477718.94 | 0 | 26013.189850000002 | 485395.36162 | 1017043.30248 | 121047.05 | 150562.656645898 | 0 | 0 | 4277780.500595898
1100 | Transport | 249741.84 | 0 | 277670.56541483605 | 348656.677927636 | 975057.55363 | 34502.77 | 0 | 0 | 0 | 1885629.406972472
1200 | Immobilier résidentiel / Avance Hypothécaire | 2217844.3400000003 | 135763.70307 | 1260874.5397044118 | 411727.35371167597 | 2817443.89783 | 1505828.35 | 3981488.4132924685 | 0 | 0 | 12330970.597608555
1300 | Immobilier commercial | 3154758.26 | 205339.91272999998 | 656536.400614974 | 5980939.297404117 | 2910949.53723 | 172403.12 | 1151985.3643636159 | 0 | 0 | 14232911.892342705
1400 | Télécommunications | 186460.99 | 43103.832259999996 | 108490.978874542 | 299468.71505351004 | 18760.69559 | 22426.64 | 0 | 0 | 0 | 678711.851778052
1500 | Services financiers | 157309.73 | 0 | 523167.4748855939 | 874740.503569443 | 988484.45418 | 2465151.34 | 0 | 7037.537595089401 | 0 | 5015891.040230126
1510 | Services professionnels | 285773.11 | 0 | 152367.79925940296 | 118323.60817887301 | 419626.60979 | 531237.75 | 0 | 0 | 0 | 1507328.8772282759
1520 | Services médicaux | 9373.45 | 0 | 11233.875756453 | 14149.16412 | 108562.42433 | 33869.27 | 0 | 0 | 0 | 177188.18420645298
1530 | Services d'agence ou de représentation | 1167.69 | 0 | 19145.550352152 | 18924.588360638 | 74854.37895 | 1.06 | 0 | 8210.4605276043 | 0 | 122303.7281903943
1540 | Services d'enseignement | 494038.33 | 775.39098 | 476.31867000000005 | 20819.535741763997 | 78993.55981 | 238.8 | 0 | 0 | 0 | 595341.9352017641
1550 | Autres services | 28118.35 | 0 | 584626.4897179321 | 839545.010777521 | 1645967.529 | 163819.49 | 0 | 0 | 0 | 3262076.8694954533
1560 | Crédit à la consommation | 4948649.350000001 | 16306.92687 | 633338.1965306785 | 3099354.9799617254 | 1413335.0992300003 | 396637.34 | 38214.280161219 | 0 | 0 | 10545836.172753623
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 | 0
Total | 23438309.61 | 1368110.9477300001 | 12169451.634076403 | 45170897.22385928 | 50406959.017129995 | 13528757 | 5333613.176983201 | 120125.125650298 | 0 | 151536223.73542917
(1) Commerce de gros
Import-export | 788242.15 | 38471.60732 | 906116.0874764291 | 2859403.46752089 | 2177498.27075 | 222378.26 | 0 | 6992109.843067319
Produits pétroliers | 501179.78 | 0 | 859254.8456029452 | 2551619.9586740257 | 692499.97363 | 233963.05 | 0 | 4838517.607906971
Produits pharmaceutiques | 0 | 0 | 26901.088739526003 | 149336.284840804 | 112262.27601 | 24745.99 | 0 | 313245.63959032996
Produits alimentaires | 248860.08 | 16002.60736 | 599119.4608822181 | 3012866.271424066 | 2423773.24109 | 1278040.75 | 0 | 7578662.410756284
Matériaux de construction | 160061.5 | 211549.06215 | 1126161.4863961262 | 853721.066284728 | 6587222.6702 | 515916.09 | 0 | 9454631.875030853
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 912006.09 | 118460.33179000001 | 432816.57409311197 | 3207274.060708285 | 2323138.80053 | 8989.96 | 0 | 0 | 7002685.817121397
S-Total | 2610349.6 | 384483.60862 | 3950369.5431903563 | 12634221.109452797 | 14316395.23221 | 2284034.1 | 0 | 0 | 0 | 36179853.19347315
0
(2) Commerce de détail
Produits pétroliers | 103400.69 | 0 | 106647.63683995501 | 79899.05372 | 53608.86301 | 67667 | 411223.243569955
Produits pharmaceutiques | 0 | 0 | 2317.23419 | 439.32393 | 11012.95833 | 3823.17 | 0 | 17592.68645
Véhicules automobiles | 23067.18 | 0 | 88433.98651 | 1350223.491472189 | 2546767.62138 | 636864.14 | 0 | 4645356.419362189
Produits alimentaires | 139175.75 | 0 | 475928.78441637603 | 742511.28074814 | 1855897.9126 | 236889 | 0 | 3450402.727764516
Librairie ,papeterie | 101.92 | 0 | 0 | 37598.644174730005 | 135168.89287 | 1.06 | 0 | 172870.51704473002
Appareils électro- ménagers électroni.équip. inform. | 4569.03 | 0 | 56752.703298864006 | 347807.63790390803 | 1931805.33767 | 731147 | 0 | 3072081.708872772
Matériaux de construction | 72492.69 | 0 | 24581.524257983 | 123186.96001415601 | 1440476.6045799998 | 2 | 0 | 1660739.778852139
Autres | 691209.98 | 496210.53455 | 522353.988640882 | 2883116.2586460817 | 1713503.6754400004 | 142168 | 0 | 0 | 6448562.437276964
S-Total | 1034017.24 | 496210.53455 | 1277015.8581540599 | 5564782.650609205 | 9688241.86588 | 1818561.37 | 0 | 0 | 0 | 19878829.519193266
[Secteur d' activitéjuin 23.]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 131170.36 | 1003.47878 | 9458.09 | 5.62 | 0 | 0 | 0 | 141637.54877999998
200 | Industrie alimentaire | 2609845.01 | 755.6581600000001 | 1095190.97 | 1510343.7554038076 | 5694007.34787 | 1242679.33 | 12383.62789 | 24166.66675 | 0 | 12189372.366073808
210 | Industrie des boissons | 382558.55 | 0 | 1542028.84 | 4554143.131241105 | 2723564.04241 | 110107.2 | 0 | 0 | 0 | 9312401.763651103
220 | Industrie du bois | 0 | 0 | 0 | 0 | 710.27 | 12100.46 | 0 | 0 | 0 | 12810.73
230 | Industrie chimique | 88.85 | 0 | 12882.96 | 322387.26191616 | 231947.29226 | 101802.54 | 0 | 24166.66675 | 0 | 693275.57092616
240 | Industrie du textile | 227930.19 | 0 | 543495.92 | 2850610.6703388 | 6107.00944 | 433559.17 | 0 | 0 | 0 | 4061702.9597788006
250 | Industrie pharmacie | 0 | 0 | 45710.49 | 0 | 251583.95211 | 38506.99 | 0 | 0 | 0 | 335801.43211
260 | Imprimerie, édition | 87710.43 | 0 | 197633.38333054405 | 259477.93824 | 82660.44 | 0 | 0 | 0 | 627482.1915705439
270 | Sidérurgie, aciérie | 25241.64 | 0 | 63675.41 | 1010196.446572448 | 0 | 706012.26 | 0 | 0 | 0 | 1805125.756572448
280 | Industrie de la fabrication | 1184.63 | 932.39608 | 252057.14 | 3047940.5131971366 | 1185847.30896 | 327208.76 | 0 | 0 | 0 | 4815170.748237137
290 | Autres industries | 0 | 0 | 1029.05 | 15141.963857488001 | 3613112.08892 | 269668.53 | 0 | 0 | 0 | 3898951.632777488
300 | Production et distribution de l'électricité | 2016165.43 | 0 | 11208.39 | 0 | 0 | 8355.51 | 0 | 0 | 0 | 2035729.3299999998
400 | Production et distribution de gaz | 0 | 0 | 0 | 125757.03183 | 71680.21 | 0 | 0 | 0 | 197437.24183
500 | Traitement et distribution de l'eau | 0 | 0 | 372718.94 | 263552.07925608 | 39689.52362 | 83422.87 | 0 | 0 | 0 | 759383.41287608
600 | Entrep/ batiment et corps/ métiers corresp. | 722244.25 | 116319.21768 | 1337855.46 | 6169743.996645744 | 1126991.52605 | 669457.26 | 0 | 0 | 0 | 10142611.710375743
700 | Commerce de gros(1) | 2560555.68 | 393114.30586 | 4220638.55 | 11527018.63364563 | 17809529.32339 | 2460050.18 | 0 | 24166.66675 | 0 | 38995073.33964563
800 | Commerce de détail(2) | 1018195.17 | 505955.09006 | 1307269.26 | 4980542.789329723 | 12386889.67404 | 1837399.94 | 0 | 24166.66675 | 0 | 22060418.590179723
900 | Rest/débits/boissons, casinos/activités/loterie | 15038.09 | 0 | 1287.34 | 0 | 17665.13963 | 56628.69 | 0 | 0 | 0 | 90619.25963
1000 | Hotels,motels et pensions | 2267632.03 | 0 | 33214.25 | 305551.816340128 | 1201702.87119 | 142788.69 | 151449.645335216 | 0 | 0 | 4102339.3028653436
1100 | Transport | 279564.22 | 137209.78600999998 | 303055.98 | 332890.873778144 | 1019933.87413 | 28170.07 | 0 | 0 | 0 | 2100824.8039181437
1200 | Immobilier résidentiel / Avance Hypothécaire | 2251071.57 | 211636.09543000002 | 1531307.07 | 254721.40321399996 | 2931774.55684 | 1571129.98 | 4153560.09407165 | 0 | 0 | 12905200.76955565
1300 | Immobilier commercial | 3104871.23 | 44975.59609000001 | 1966291.14 | 5165700.121506847 | 2997825.74135 | 155767.65 | 1153447.4947505 | 0 | 0 | 14588878.973697348
1400 | Télécommunications | 353490.42 | 0 | 112822.92 | 334914.5479373921 | 60952.08821 | 23946.01 | 0 | 0 | 0 | 886125.9861473921
1500 | Services financiers | 121938.39 | 0 | 432113.57 | 1236291.8169956962 | 1080923.67978 | 2471288.64 | 0 | 0 | 0 | 5342556.096775696
1510 | Services professionnels | 226078.87 | 0 | 179501.66 | 250111.889390368 | 567130.50151 | 512555.72 | 0 | 0 | 0 | 1735378.640900368
1520 | Services médicaux | 9908.73 | 0 | 2160.92 | 14766.908799999997 | 137008.15857 | 33869.27 | 0 | 0 | 0 | 197713.98737
1530 | Services d'agence ou de représentation | 217.76 | 775.39098 | 20029.97 | 21916.962794352003 | 64701.14331 | 121.39 | 0 | 0 | 0 | 107762.617084352
1540 | Services d'enseignement | 497994.67 | 0 | 1158.31 | 6231.598023216 | 144127.92477 | 684.58 | 0 | 0 | 0 | 650197.082793216
1550 | Autres services | 28593.87 | 15525.61498 | 677779.92 | 997820.7657585918 | 2072203.61646 | 171845.17 | 0 | 0 | 0 | 3963768.957198592
1560 | Crédit à la consommation | 4723514.24 | 31710.30054 | 665632.39 | 4647424.322109603 | 1478573.50083 | 378238.16 | 39499.285990544 | 0 | 0 | 11964592.199470147
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 23531633.92000001 | 1458909.45187 | 16863287.180000003 | 50018601.130162984 | 59239195.215720005 | 14001711.290000001 | 5510340.1480379095 | 96666.667 | 0 | 170720345.00279087
(1) Commerce de gros
Import-export | 811856.21 | 39411.05359 | 969190.34 | 2904003.71081342 | 2984540.2505900003 | 258182 | 0 | 7967183.564993421
Produits pétroliers | 429836.48 | 0 | 907920.46 | 1158461.36224189 | 718003.29386 | 240340 | 0 | 3454561.59610189
Produits pharmaceutiques | 0 | 0 | 17762.2 | 166524.147507472 | 106390.48604 | 23794 | 0 | 314470.833547472
Produits alimentaires | 191133.86 | 16056.22394 | 616095.87 | 2979690.79808075 | 2731725.85445 | 1335185 | 0 | 7869887.60647075
Matériaux de construction | 156862.89 | 216739.19038 | 1190231.9 | 961150.05195024 | 7072333.52805 | 595153 | 0 | 10192470.560380239
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 970866.2400000001 | 120907.83795 | 519437.78 | 3357188.56305186 | 4196535.9103999995 | 7396 | 0 | 0 | 9172332.331401858
S-Total | 2560555.68 | 393114.30586 | 4220638.55 | 11527018.633645631 | 17809529.32339 | 2460050 | 0 | 0 | 0 | 38970906.49289563
0
(2) Commerce de détail
Produits pétroliers | 106019.89 | 0 | 114058.45 | 61713.36558 | 140194.6274 | 79262 | 501248.33298
Produits pharmaceutiques | 0 | 0 | 2247.2 | 200.17329 | 5733.0851600000005 | 3077 | 0 | 11257.45845
Véhicules automobiles | 23974.41 | 0 | 60063.03 | 1199448.3873472 | 3169076.59766 | 638169 | 0 | 5090731.4250072
Produits alimentaires | 140679.22 | 0 | 507298.92 | 955607.487436384 | 1977009.68395 | 231096 | 0 | 3811691.311386384
Librairie ,papeterie | 178.45 | 0 | 0 | 40779.13692304 | 130356.1875 | 26 | 0 | 171339.77442303998
Appareils électro- ménagers électroni.équip. inform. | 4953.89 | 0 | 72962.85 | 331629.021219904 | 2143753.3407 | 748268 | 0 | 3301567.101919904
Matériaux de construction | 74359.34 | 0 | 25133.61 | 361981.89143136 | 1403398.89663 | 615 | 0 | 1865488.73806136
Autres | 668029.9600000001 | 505955.09006 | 525505.19 | 2029183.32610184 | 3417367.2577299997 | 136870 | 0 | 0 | 7282910.82389184
S-Total | 1018195.1600000001 | 505955.09006 | 1307269.25 | 4980542.789329728 | 12386889.67673 | 1837383 | 0 | 0 | 0 | 22036234.96611973
[Secteur d' activitémars 23]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 140116.41363271303 | 1003.47878 | 0 | 1.19 | 0 | 0 | 0 | 141121.08241271303
200 | Industrie alimentaire | 2803482.87 | 755.6581600000001 | 1116419.365555317 | 1741403.86087 | 6559532.24 | 1436530.62 | 13113.49393 | 24166.66675 | 0 | 13695404.77526532
210 | Industrie des boissons | 382558.55 | 0 | 1612650.6440950828 | 4282841.88708 | 3029728.57 | 110034.77 | 0 | 0 | 0 | 9417814.421175081
220 | Industrie du bois | 40.36 | 0 | 0 | 37500 | 0 | 16186.33 | 0 | 0 | 0 | 53726.69
230 | Industrie chimique | 96.35 | 0 | 9574.470080000001 | 461201.75173 | 230142.82 | 91252.5 | 0 | 24166.66675 | 0 | 816434.5585599999
240 | Industrie du textile | 227926.89 | 0 | 603996.799569371 | 2305991.3601599997 | 4436.63 | 445275.37 | 0 | 0 | 0 | 3587627.0497293705
250 | Industrie pharmacie | 0 | 0 | 70408.20032999999 | 0 | 254583.2 | 57603.07 | 0 | 0 | 0 | 382594.47033
260 | Imprimerie, édition | 98083.95 | 0 | 0.39936494 | 164901.6346 | 215034.33 | 82345.59 | 0 | 0 | 0 | 560365.90396494
270 | Sidérurgie, aciérie | 13933.23 | 0 | 83681.14696112298 | 1132849.15201 | 0 | 776119.1 | 0 | 0 | 0 | 2006582.6289711231
280 | Industrie de la fabrication | 1212.9 | 1036.4475400000001 | 280195.528035576 | 3365292.43655 | 1030974.59 | 368655.27 | 0 | 0 | 0 | 5047367.172125576
290 | Autres industries | 0 | 0 | 29292.092764603003 | 21522.51237 | 4128181.52 | 301819.78 | 0 | 0 | 0 | 4480815.905134603
300 | Production et distribution de l'électricité | 2248750.97 | 0 | 11208.392380000001 | 4323.25918 | 0 | 9098.16 | 0 | 0 | 0 | 2273380.7815600005
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 145570.41 | 73890.38 | 0 | 0 | 0 | 219460.79
500 | Traitement et distribution de l'eau | 0 | 0 | 459940.4088085639 | 275517.05327 | 7821.21 | 84239.08 | 0 | 0 | 0 | 827517.7520785638
600 | Entrep/ batiment et corps/ métiers corresp. | 744786.01 | 126064.17081 | 1701343.103828582 | 7187086.2229700005 | 1268137.56 | 785399.02 | 0 | 0 | 0 | 11812816.087608581
700 | Commerce de gros(1) | 2336238.46 | 429565.32104 | 4770074.540631605 | 12502470.143469999 | 17318970.02 | 4166198.43 | 0 | 24166.66675 | 0 | 41547683.581891604
800 | Commerce de détail(2) | 1104212.75 | 549465.9519199999 | 1439269.8221949476 | 6728622.31757 | 12652609.11 | 1992765.61 | 0 | 24166.66675 | 0 | 24491112.228434946
900 | Rest/débits/boissons, casinos/activités/loterie | 46028.18 | 0 | 445.07031 | 0 | 509.06 | 64833.32 | 0 | 0 | 0 | 111815.63031000001
1000 | Hotels,motels et pensions | 2331186.67 | 0 | 40853.06280000001 | 343642.06451999996 | 1330347.02 | 135164.65 | 153054.68 | 0 | 0 | 4334248.1473199995
1100 | Transport | 414094.77 | 143348.99169 | 344333.86174061405 | 335563.34187 | 1116248.7 | 38175.52 | 0 | 0 | 0 | 2391765.185300614
1200 | Immobilier résidentiel / Avance Hypothécaire | 2353157.08 | 220970.26653 | 1667602.76229975 | 476574.66497000004 | 3163725.94 | 1693605 | 4407772.65 | 0 | 0 | 13983408.36379975
1300 | Immobilier commercial | 3192226.55 | 47872.019479999995 | 2006870.6252787341 | 7411693.63296 | 3279086.44 | 181614.17 | 1300403.07 | 0 | 0 | 17419766.507718734
1400 | Télécommunications | 517058.63 | 0 | 113117.59471940897 | 382942.68172000005 | 28302.41 | 24708.68 | 0 | 0 | 0 | 1066129.9964394092
1500 | Services financiers | 71267.3 | 0 | 252922.177988949 | 1247453.51223 | 1650322.78 | 2483732.79 | 0 | 0 | 0 | 5705698.560218949
1510 | Services professionnels | 296263.64 | 0 | 182034.72491159197 | 120868.50503 | 489287.07 | 906912.6 | 0 | 0 | 0 | 1995366.5399415921
1520 | Services médicaux | 10424.1 | 0 | 2479.21025299 | 15213.261050000001 | 119972.52 | 69155.05 | 0 | 0 | 0 | 217244.14130299003
1530 | Services d'agence ou de représentation | 976.46 | 775.39098 | 20963.07680623 | 26334.765629999998 | 70563.13 | 21.3 | 0 | 0 | 0 | 119634.12341623001
1540 | Services d'enseignement | 429675.52 | 0 | 867.329762615 | 12572.17591 | 89791.37 | 477.93 | 0 | 0 | 0 | 533384.325672615
1550 | Autres services | 41055.16 | 15638.580689999999 | 789924.931284916 | 939834.7917599999 | 2321368.47 | 197295.57 | 0 | 0 | 0 | 4305117.503734916
1560 | Crédit à la consommation | 4458803.43 | 34899.99219 | 663449.0419410412 | 3586356.50926 | 1665487.98 | 345445.84 | 28756.94 | 0 | 0 | 10783199.733391041
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 24123540.78 | 1570392.7910299997 | 18414034.79832926 | 55111576.97752001 | 62170735.1 | 16938556.69 | 5903100.833930001 | 96666.667 | 0 | 184328604.63780928
(1) Commerce de gros
Import-export | 773173.83 | 39519.42726 | 1077968.683732092 | 2977027.026929062 | 3149246.1776199997 | 301046 | 0 | 8317981.145541154
Produits pétroliers | 137603.53 | 0 | 988599.273735116 | 1375512.5366368291 | 537995.78888 | 1766544 | 0 | 4806255.129251945
Produits pharmaceutiques | 0 | 0 | 38479.232712708 | 158048.43838175398 | 114449.14283 | 10466 | 0 | 321442.81392446195
Produits alimentaires | 212353.21 | 17265.20303 | 704863.5395007661 | 3553563.475555466 | 3135192.3503400013 | 1438023 | 0 | 9061260.778426234
Matériaux de construction | 131116.7 | 240589.81953 | 1433568.04944545 | 891149.257995239 | 7419302.49907 | 636901 | 0 | 10752627.326040689
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1081991.19 | 132190.87120999998 | 526595.761505474 | 3547169.4079742106 | 2962784.06391 | 13216 | 0 | 0 | 8263947.294599684
S-Total | 2336238.46 | 429565.32103 | 4770074.540631606 | 12502470.14347256 | 17318970.02265 | 4166196 | 0 | 0 | 0 | 41523514.48778417
0
(2) Commerce de détail
Produits pétroliers | 101056.21 | 0 | 73921.15131999999 | 64290.336370000005 | 107858.58128 | 75344 | 422470.27897
Produits pharmaceutiques | 0 | 0 | 2552.26787 | 233.05656 | 6785.205730000001 | 3363 | 0 | 12933.53016
Véhicules automobiles | 24278.03 | 0 | 70121.79269 | 1410370.1583372236 | 3587741.8726500003 | 706943 | 0 | 5799454.853677224
Produits alimentaires | 157430.11 | 0 | 626541.1799798409 | 819195.3562336181 | 2296126.42498 | 260042 | 0 | 4159335.071193459
Librairie ,papeterie | 178.45 | 0 | 0 | 40712.392493584 | 141646.37792 | 13 | 0 | 182550.220413584
Appareils électro- ménagers électroni.équip. inform. | 4546.25 | 0 | 79820.92617201399 | 364801.091134503 | 2733734.8689099997 | 766827 | 0 | 3949730.1362165166
Matériaux de construction | 82937.38 | 0 | 25664.293771962002 | 135842.677574543 | 1835776.43398 | 1135 | 0 | 2081355.785326505
Autres | 733786.34 | 549465.9519199999 | 560648.210391131 | 3893177.2488632216 | 1942939.34806 | 179098 | 0 | 0 | 7859115.099234352
S-Total | 1104212.77 | 549465.9519199999 | 1439269.8221949479 | 6728622.317566693 | 12652609.11351 | 1992765 | 0 | 0 | 0 | 24466944.97519164
[Secteur d'activitésmars. 23% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.0076092184666353545 | 1.8208130397163532e-05 | 0 | 7.02539196094871e-08 | 0 | 0 | 0.0007655951320740723
200 | Industrie alimentaire | 0.11621357310549832 | 0.0004811905431025151 | 0.06062872030939204 | 0.031597786823997394 | 0.10550835902855522 | 0.0848083249529804 | 0.002221458568795896 | 0.25 | 0.0742988577501342
210 | Industrie des boissons | 0.01585830842531898 | 0 | 0.08757725624812013 | 0.0777121999036059 | 0.04873239097345014 | 0.006496112509099499 | 0 | 0 | 0.05109252814928166
220 | Industrie du bois | 1.6730545639245915e-06 | 0 | 0 | 0.0006804377964959383 | 0 | 0.0009555908626828818 | 0 | 0 | 0.00029147234150428566
230 | Industrie chimique | 3.994023965166858e-06 | 0 | 0.000519955033476352 | 0.008368509431659414 | 0.003701787016508994 | 0.005387265377449346 | 0 | 0.25 | 0.004429234193815048
240 | Industrie du textile | 0.009448318224867153 | 0 | 0.032800893784787066 | 0.04184223146255845 | 7.136203219832927e-05 | 0.02628768071265935 | 0 | 0 | 0.019463213844529263
250 | Industrie pharmacie | 0 | 0 | 0.003823616122219355 | 0 | 0.004094904131188245 | 0.003400707100033326 | 0 | 0 | 0.0020756109507895806
260 | Imprimerie, édition | 0.004065901887890273 | 0 | 2.1688073492520776e-08 | 0.0029921414636213967 | 0.0034587709097234076 | 0.004861428958030071 | 0 | 0 | 0.003040037681975695
270 | Sidérurgie, aciérie | 0.0005775781477133557 | 0 | 0.004544422114848807 | 0.02055555682015938 | 0 | 0.04581967130990544 | 0 | 0 | 0.010885899304201292
280 | Industrie de la fabrication | 5.027868881526603e-05 | 0.0006599925483102911 | 0.015216411346251972 | 0.06106325786908078 | 0.016582956407732743 | 0.021764266976633414 | 0 | 0 | 0.027382441168277937
290 | Autres industries | 0 | 0 | 0.0015907482029555375 | 0.00039052615712265 | 0.06640071913835228 | 0.017818506353506795 | 0 | 0 | 0.024308847310698427
300 | Production et distribution de l'électricité | 0.09321811381289277 | 0 | 0.0006086874768487437 | 7.844557200320099e-05 | 0 | 0.0005371272279279421 | 0 | 0 | 0.012333304350819608
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.002341461939702881 | 0.004362259509608784 | 0 | 0 | 0.001190595406671811
500 | Traitement et distribution de l'eau | 0 | 0 | 0.02497770933127025 | 0.004999259109975809 | 0.00012580211553586728 | 0.004973214751510213 | 0 | 0 | 0.004489361560049613
600 | Entrep/ batiment et corps/ métiers corresp. | 0.030873826391914924 | 0.0802755664252102 | 0.09239382473541041 | 0.13040973634090727 | 0.020397660699366573 | 0.046367529086092395 | 0 | 0 | 0.06408563722825225
700 | Commerce de gros(1) | 0.09684475762931513 | 0.27354004902063633 | 0.2590455917387754 | 0.2268574196047729 | 0.27857109928236956 | 0.24595947023394232 | 0 | 0.25 | 0.2254000873251844
800 | Commerce de détail(2) | 0.04577324531544162 | 0.3498907757718453 | 0.07816156741082814 | 0.12209090515255265 | 0.20351390553205795 | 0.1176467184583954 | 0 | 0.25 | 0.13286658506723897
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0019080192422731071 | 0 | 2.4170167748373217e-05 | 0 | 8.188096846228218e-06 | 0.003827558698568195 | 0 | 0 | 0.0006066103008250327
1000 | Hotels,motels et pensions | 0.09663534434102256 | 0 | 0.002218582904150191 | 0.006235387977741436 | 0.021398283579246273 | 0.00797970290348274 | 0.025927844416999996 | 0 | 0.023513703452789896
1100 | Transport | 0.01716558832620922 | 0.09128225276427772 | 0.018699533562946027 | 0.006088799491382294 | 0.017954568145358795 | 0.0022537646328826613 | 0 | 0 | 0.012975550864719224
1200 | Immobilier résidentiel | 0.09754608999815324 | 0.14071018906363456 | 0.09056150814111934 | 0.00864745106394605 | 0.05088770359416259 | 0.09998520127750034 | 0.7466876772060012 | 0 | 0.0758613042792572
1300 | Immobilier commercial | 0.13232827548460735 | 0.03048410547567617 | 0.10898592553223703 | 0.1344852395710474 | 0.05274324703939362 | 0.01072193890682666 | 0.22029152246993794 | 0 | 0.09450387009627269
1400 | Télécommunications | 0.021433778511845806 | 0 | 0.006143009718308577 | 0.006948497987568061 | 0.00045523685628738847 | 0.0014587240490559175 | 0 | 0 | 0.005783855406133345
1500 | Services financiers | 0.002954263665103643 | 0 | 0.013735293799482615 | 0.02263505384247734 | 0.026545009920592045 | 0.14663190231941775 | 0 | 0 | 0.030953950806659566
1510 | Services professionnels | 0.012281100966970073 | 0 | 0.009885651184286255 | 0.0021931599794232383 | 0.007870054443026844 | 0.05354131503632851 | 0 | 0 | 0.010825050967332635
1520 | Services médicaux | 0.00043211318334505287 | 0 | 0.00013463699184574927 | 0.00027604474203678627 | 0.0019297265796685103 | 0.00408270027167232 | 0 | 0 | 0.0011785698792103217
1530 | Services d'agence ou de représentation | 4.047747421927172e-05 | 0.0004937560745496236 | 0.0011384293032905542 | 0.00047784453057371116 | 0.00113498947513651 | 1.2574861241025843e-06 | 0 | 0 | 0.0006490263605656938
1540 | Services d'enseignement | 0.01781146158926343 | 0 | 4.710155987614917e-05 | 0.00022812223128959247 | 0.00144427068226832 | 2.8215509074758128e-05 | 0 | 0 | 0.0028936600845032804
1550 | Autres services | 0.0017018712292035266 | 0.009958387977407144 | 0.04289798188915052 | 0.017053309727343823 | 0.037338604188387664 | 0.011647720263939442 | 0 | 0 | 0.023355666974174315
1560 | Crédit à la consommation | 0.18483204727958677 | 0.0222237343353503 | 0.03602953123566581 | 0.06507446721625973 | 0.02678893819288297 | 0.020394054010749365 | 0.0048714973382650165 | 0 | 0.05849987176205859
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000002 | 1.0000000000000004 | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1
(1) Commerce de gros
Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867
Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875
Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486
Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796
Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524
S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681
(2) Commerce de détail
Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693
Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05
Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694
Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145
Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898
Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652
Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351
S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964
[Secteur d'activitémars 23 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2022
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3440451.21 | 979031.27296 | 6209344.362826553 | 19231092.461039998 | 29971579.13 | 6158964.04 | 0 | 48333.3335 | 0 | 66038795.81032655
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3226877.0300000003 | 16413.97167 | 1290489.584117292 | 2705919.07613 | 6072161.42 | 3857593.21 | 153054.68 | 0 | 0 | 17322508.971917294
Industries Manufacturières ( 200 à 290 ) | 3527335.1 | 1792.1057 | 3806218.6467560125 | 13513504.595369998 | 15452613.9 | 3685822.4000000004 | 13113.49393 | 48333.3335 | 0 | 40048733.575256005
Prêts aux Particuliers ( 1560 ) | 4458803.43 | 34899.99219 | 663449.0419410412 | 3586356.50926 | 1665487.98 | 345445.84 | 28756.94 | 0 | 0 | 10783199.733391041
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5545383.63 | 268842.28601 | 3674473.387578484 | 7888268.29793 | 6442812.38 | 1875219.17 | 5708175.720000001 | 0 | 0 | 31403174.871518478
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 931153.4 | 143348.99169 | 457451.456460023 | 718506.0235900001 | 1144551.1099999999 | 62884.2 | 0 | 0 | 0 | 3457895.181740023
Bâtiments et Travaux Publics ( 600 ) | 744786.01 | 126064.17081 | 1701343.103828582 | 7187086.2229700005 | 1268137.56 | 785399.02 | 0 | 0 | 0 | 11812816.087608581
Électricité, Gaz et Eau ( 300 à 500 ) | 2248750.97 | 0 | 471148.80118856387 | 279840.31244999997 | 153391.62 | 167227.62 | 0 | 0 | 0 | 3320359.3236385644
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 140116.41363271303 | 1003.47878 | 0 | 1.19 | 0 | 0 | 0 | 141121.08241271303
Total | 24123540.779999997 | 1570392.79103 | 18414034.798329264 | 55111576.97752 | 62170735.099999994 | 16938556.69 | 5903100.833930001 | 96666.667 | 0 | 184328604.63780925
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1426180029447568 | 0.6234308247924816 | 0.33720715914960353 | 0.3489483247573256 | 0.48208500481442756 | 0.36360618869233774 | 0 | 0.5 | #DIV/0! | 0.35826667239242344
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1337646516914007 | 0.010452144051956767 | 0.07008184779983039 | 0.04909892303088594 | 0.09766912696517241 | 0.2277403724886078 | 0.025927844416999996 | 0 | #DIV/0! | 0.09397623882606077
Industries Manufacturières ( 200 à 290 ) | 0.14621962555863247 | 0.001141183091412806 | 0.2067020448501247 | 0.24520264772830136 | 0.2485512496377094 | 0.21759955511298054 | 0.002221458568795896 | 0.5 | #DIV/0! | 0.2172681426952074
Prêts aux Particuliers ( 1560 ) | 0.1848320472795868 | 0.022223734335350298 | 0.0360295312356658 | 0.06507446721625974 | 0.026788938192882975 | 0.020394054010749365 | 0.0048714973382650165 | 0 | #DIV/0! | 0.0584998717620586
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.22987436548276063 | 0.17119429453931068 | 0.19954743367335634 | 0.1431326906349935 | 0.10363095063355621 | 0.110707140184327 | 0.966979199675939 | 0 | #DIV/0! | 0.17036517437552987
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.03859936683805503 | 0.0912822527642777 | 0.024842543281254598 | 0.01303729747895036 | 0.018409805001646184 | 0.0037124886819385784 | 0 | 0 | #DIV/0! | 0.018759406270852572
Bâtiments et Travaux Publics ( 600 ) | 0.03087382639191493 | 0.08027556642521019 | 0.09239382473541038 | 0.13040973634090733 | 0.020397660699366577 | 0.046367529086092395 | 0 | 0 | #DIV/0! | 0.06408563722825227
Électricité, Gaz et Eau ( 300 à 500 ) | 0.09321811381289279 | 0 | 0.02558639680811899 | 0.005077704681979011 | 0.0024672640552387487 | 0.009872601489046938 | 0 | 0 | #DIV/0! | 0.018013261317541034
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007609218466635353 | 1.820813039716354e-05 | 0 | 7.02539196094871e-08 | 0 | 0 | #DIV/0! | 0.0007655951320740724
Total | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1
[Secteur d' activitédéc. 22 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 133444.68012 | 1121.47878 | 0 | 0 | 0 | 0 | 0 | 134566.1589
200 | Industrie alimentaire | 2762499.38 | 755.6581600000001 | 1119369.00713 | 1742509.3697198997 | 6238395.46487 | 1382542 | 0 | 24166.66675 | 0 | 13270237.5466299
210 | Industrie des boissons | 382558.55 | 0 | 1814536.4565599998 | 4005191.9811771 | 3005982.1513900002 | 110096 | 0 | 0 | 0 | 9318365.1391271
220 | Industrie du bois | 131.28 | 0 | 0 | 0 | 0 | 9122 | 0 | 0 | 0 | 9253.28
230 | Industrie chimique | 108.52 | 0 | 10573.492849999999 | 377044.47201880004 | 196135.45487000002 | 90369 | 0 | 24166.66675 | 0 | 698397.6064888
240 | Industrie du textile | 220703.96 | 0 | 582741.56276 | 2215072.0854347995 | 72391.12587999999 | 466430 | 0 | 0 | 0 | 3557338.7340748
250 | Industrie pharmacie | 0 | 0 | 71536.35554 | 0 | 215919.1052 | 66773 | 0 | 0 | 0 | 354228.46074
260 | Imprimerie, édition | 42669.72 | 0 | 4304.82006 | 161594.49565609999 | 238106.97259 | 78637 | 0 | 0 | 0 | 525313.0083061
270 | Sidérurgie, aciérie | 24729.42 | 0 | 78940.75942 | 1069291.1276867 | 0 | 748186 | 0 | 0 | 0 | 1921147.3071067
280 | Industrie de la fabrication | 837.66 | 1186.28595 | 272092.43469 | 3914543.952521 | 1183937.5528199999 | 359974 | 0 | 0 | 0 | 5732571.885981
290 | Autres industries | 0 | 0 | 17216.66306 | 16340.2101836 | 3974054.53451 | 299352 | 0 | 0 | 0 | 4306963.4077536
300 | Production et distribution de l'électricité | 2128227.74 | 0 | 11208.392380000001 | 89319.46523019999 | 0 | 8254 | 0 | 0 | 0 | 2237009.5976102003
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 146092.8154 | 76497 | 0 | 0 | 0 | 222589.8154
500 | Traitement et distribution de l'eau | 0 | 0 | 451356.44577 | 279962.3362125 | 8101.3418 | 81712 | 0 | 0 | 0 | 821132.1237825
600 | Entrep/ batiment et corps/ métiers corresp. | 759219.49 | 121014.69717 | 1330969.65486 | 6063714.6240537 | 1338965.24678 | 725288 | 0 | 2391.3365 | 0 | 10341563.0493637
700 | Commerce de gros(1) | 2910269.41 | 410498.434 | 4821401.37739 | 14112616.495939996 | 17163216.00844 | 4122212 | 0 | 24166.66675 | 0 | 43564380.392519996
800 | Commerce de détail(2) | 932202 | 530622.36348 | 1244788.05477 | 7331885.336047694 | 13021277.551910002 | 2252483 | 0 | 24166.66675 | 0 | 25337424.972957693
900 | Rest/débits/boissons, casinos/activités/loterie | 42242.42 | 0 | 685.84586 | 0 | 5439.88674 | 15910 | 0 | 0 | 0 | 64278.1526
1000 | Hotels,motels et pensions | 2321708.51 | 0 | 50538.80289 | 343372.7078768 | 1391832.96353 | 134607 | 154537.3909046 | 0 | 0 | 4396597.375201399
1100 | Transport | 396763.31 | 140840.55675 | 339270.80468 | 419255.98305379995 | 1054533.30444 | 37969 | 0 | 0 | 0 | 2388632.9589238
1200 | Immobilier résidentiel / Avance Hypothécaire | 2385264.14 | 220621.67685 | 1712287.5899 | 507688.13836830005 | 3209330.83752 | 1684276 | 4326893.4277509 | 0 | 0 | 14046361.8103892
1300 | Immobilier commercial | 3680661.67 | 48548.65375 | 2006299.72202 | 7370288.7827036 | 3100029.5821 | 184524 | 1279561.0236494 | 0 | 0 | 17669913.434223
1400 | Télécommunications | 677874.61 | 0 | 8818.52457 | 426144.78311250004 | 32735.874519999998 | 28936 | 0 | 0 | 0 | 1174509.7922025002
1500 | Services financiers | 233945.49 | 0 | 266848.12143 | 1268296.5729353 | 1649243.59337 | 2487371 | 0 | 2049.717 | 0 | 5907754.494735301
1510 | Services professionnels | 106469.74 | 5825.237730000001 | 189137.37075 | 148526.2186268 | 470643.80811000004 | 806703 | 0 | 2391.3365 | 0 | 1729696.7117168
1520 | Services médicaux | 10920.09 | 0 | 2273.32677 | 13733.843620000001 | 121428.35495000001 | 71292 | 0 | 0 | 0 | 219647.61534000002
1530 | Services d'agence ou de représentation | 188.35 | 775.39098 | 15187.91792 | 30204.9732058 | 88204.16872 | 1966 | 0 | 0 | 0 | 136526.8008258
1540 | Services d'enseignement | 4809.39 | 0 | 5097.48299 | 21776.7520839 | 85435.49597 | 1132 | 0 | 0 | 0 | 118251.1210439
1550 | Autres services | 1529482.14 | 14529.76427 | 744215.8458 | 898367.5587186018 | 1820113.05524 | 261800 | 0 | 0 | 0 | 5268508.364028602
1560 | Crédit à la consommation | 4063564.81 | 33067.84138 | 707455.49113 | 3719137.7173458925 | 1794669.9598700001 | 322209 | 45846.815473 | 0 | 0 | 10685951.635198893
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 25618051.799999997 | 1528286.56047 | 18012597.004070006 | 56547001.46231339 | 61626216.211540006 | 16916622 | 5806838.6577779 | 103499.05700000002 | 0 | 186159112.7531713
(1) Commerce de gros
Import-export | 717896.0900000001 | 39463.27203 | 1220460.2450960001 | 2770241.423037 | 3346889.81171 | 292202 | 0 | 8387152.841873
Produits pétroliers | 535904.23 | 0 | 1052580.7286704 | 3905546.6543294 | 537642.9827 | 2099585 | 0 | 8131259.5956998
Produits pharmaceutiques | 0 | 0 | 32543.1312566 | 141105.0280668 | 108278.35990000001 | 5846 | 0 | 287772.51922340004
Produits alimentaires | 374165.26 | 16361.75511 | 590638.6294005001 | 3166212.5306053003 | 2735864.40848 | 1304599 | 0 | 8187841.583595801
Matériaux de construction | 164995.25 | 228231.30618 | 1408671.7364205 | 725096.3370791 | 7441067.27785 | 405030 | 0 | 10373091.9075296
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1117308.58 | 126442.10068 | 516506.9065439 | 3404414.5228224 | 2993473.1678000004 | 14946 | 0 | 0 | 8173091.277846301
S-Total | 2910269.41 | 410498.434 | 4821401.377387901 | 14112616.495940002 | 17163216.008440003 | 4122208 | 0 | 0 | 0 | 43540209.7257679
0
(2) Commerce de détail
Produits pétroliers | 120254.34 | 995.39698 | 88242.803182 | 162285.16761999996 | 618954.84467 | 169174 | 1159906.5524519999
Produits pharmaceutiques | 0 | 0 | 1882.8228399999998 | 238.63835999999998 | 7172.7953 | 16705 | 0 | 25999.2565
Véhicules automobiles | 25097.07 | 0 | 10523.9588 | 1497678.1762408 | 3788027.85796 | 688884 | 0 | 6010211.0630008
Produits alimentaires | 14597.94 | 0 | 541731.7500898 | 816279.6769265002 | 2177926.58769 | 230310 | 0 | 3780845.9547063
Librairie ,papeterie | 178.45 | 0 | 0 | 33561.1139845 | 150208.61444 | 1 | 0 | 183949.1784245
Appareils électro- ménagers électroni.équip. inform. | 4780.26 | 0 | 61772.8271166 | 374310.48585409997 | 2558950.28754 | 728567 | 0 | 3728380.8605107
Matériaux de construction | 78492.56 | 0 | 26226.4618254 | 129268.2020742 | 1779723.06582 | 52 | 0 | 2013762.2897196
Autres | 688801.38 | 529626.9665 | 514407.4309153001 | 4318263.874987606 | 1940313.49849 | 418790 | 0 | 0 | 8410203.150892906
S-Total | 932202 | 530622.3634799999 | 1244788.0547691002 | 7331885.336047705 | 13021277.55191 | 2252483 | 0 | 0 | 0 | 25313258.306206804
[Secteur d'activitésdéc. 22%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.00740840868697877 | 1.983268344913791e-05 | 0 | 0 | 0 | 0 | 0.0007228556094292387
200 | Industrie alimentaire | 0.10783409298906954 | 0.0004944479520696757 | 0.0621436768322233 | 0.030815239087102108 | 0.10122957157479694 | 0.08172683648071111 | 0 | 0.2334964921467835 | 0.07128438329110932
210 | Industrie des boissons | 0.014933163262633423 | 0 | 0.10073708172952514 | 0.07082943175769313 | 0.0487776523723536 | 0.006508155115128777 | 0 | 0 | 0.05005591722755113
220 | Industrie du bois | 5.124511458751911e-06 | 0 | 0 | 0 | 0 | 0.000539232950881092 | 0 | 0 | 4.97062962062402e-05
230 | Industrie chimique | 4.236075438023746e-06 | 0 | 0.0005870054633216345 | 0.006667806643471397 | 0.00318266262197146 | 0.005342023957265227 | 0 | 0.2334964921467835 | 0.0037516165400659526
240 | Industrie du textile | 0.008615173461394907 | 0 | 0.03235189032588291 | 0.03917222890962783 | 0.0011746806851082342 | 0.02757228955047881 | 0 | 0 | 0.01910913025671476
250 | Industrie pharmacie | 0 | 0 | 0.003971462611628747 | 0 | 0.003503689151688781 | 0.00394718283591133 | 0 | 0 | 0.0019028263269049426
260 | Imprimerie, édition | 0.0016656114341996923 | 0 | 0.00023898941718550142 | 0.002857702291496342 | 0.003863728575719574 | 0.004648504884722258 | 0 | 0 | 0.0028218495486848046
270 | Sidérurgie, aciérie | 0.0009653122803038442 | 0 | 0.004382530703493953 | 0.018909775939213072 | 0 | 0.044227860621346274 | 0 | 0 | 0.01031992083919068
280 | Industrie de la fabrication | 3.269803678045495e-05 | 0.0007762195786339813 | 0.01510567491342419 | 0.06922637542734972 | 0.019211589248899853 | 0.02127930741728461 | 0 | 0 | 0.03079393644071471
290 | Autres industries | 0 | 0 | 0.000955812371536977 | 0.00028896687288520827 | 0.06448642767338726 | 0.017695731452768763 | 0 | 0 | 0.023135925736089052
300 | Production et distribution de l'électricité | 0.08307531566471422 | 0 | 0.0006222529920292686 | 0.0015795614784230125 | 0 | 0.00048792247057361687 | 0 | 0 | 0.012016653735217655
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0023706277032897395 | 0.0045220020876508326 | 0 | 0 | 0.00119569658507737
500 | Traitement et distribution de l'eau | 0 | 0 | 0.025057821793715504 | 0.004950966965049157 | 0.00013145934146258616 | 0.004830278763691711 | 0 | 0 | 0.004410915542293331
600 | Entrep/ batiment et corps/ métiers corresp. | 0.029636113469018753 | 0.07918325024907887 | 0.0738910471687821 | 0.10723317713132773 | 0.02172720197819427 | 0.042874280692682024 | 0 | 0.023104910994503066 | 0.05555227942601767
700 | Commerce de gros(1) | 0.11360229234917858 | 0.26860043438042003 | 0.26766830881191583 | 0.2495732069072763 | 0.27850510811056495 | 0.24367820005672527 | 0 | 0.2334964921467835 | 0.23401691030984922
800 | Commerce de détail(2) | 0.03638848134423712 | 0.34720083078975433 | 0.06910652886359119 | 0.12966001992049286 | 0.21129445149143625 | 0.1331520560073991 | 0 | 0.2334964921467835 | 0.13610628348101675
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0016489317895750373 | 0 | 3.8075900984462755e-05 | 0 | 8.827228206461485e-05 | 0.0009404950941151254 | 0 | 0 | 0.0003452860923613582
1000 | Hotels,motels et pensions | 0.09062783259732499 | 0 | 0.002805747715256195 | 0.006072341574214964 | 0.022585079031176476 | 0.007957085049249194 | 0.02661299891596037 | 0 | 0.023617416897720477
1100 | Transport | 0.01548764570770366 | 0.09215585636419307 | 0.018835196535143747 | 0.007414292043994932 | 0.017111764590903605 | 0.0022444788327125828 | 0 | 0 | 0.012831136352110212
1200 | Immobilier résidentiel | 0.09310872499680091 | 0.14435884117318373 | 0.09506056175648092 | 0.008978161975691257 | 0.05207736309014258 | 0.09956337618704254 | 0.7451375322707297 | 0 | 0.07545352791304553
1300 | Immobilier commercial | 0.1436745346107857 | 0.03176672163829645 | 0.11138314600424747 | 0.1303391619733478 | 0.05030374689010186 | 0.01090785146112504 | 0.22035415465444483 | 0 | 0.09491833718423212
1400 | Télécommunications | 0.02646081814855258 | 0 | 0.0004895754103646145 | 0.007536116365012046 | 0.0005312004619532351 | 0.0017105069794667044 | 0 | 0 | 0.006309171626531035
1500 | Services financiers | 0.00913205624793061 | 0 | 0.014814527931186424 | 0.022429068564857067 | 0.02676204535596923 | 0.14703709759548922 | 0 | 0.019804209423859773 | 0.031734973417972843
1510 | Services professionnels | 0.004156043591105551 | 0.0038116135289500567 | 0.0105002832577259 | 0.0026265976052821747 | 0.007637071315468306 | 0.047687002759770836 | 0 | 0.023104910994503066 | 0.009291496323417742
1520 | Services médicaux | 0.00042626543521939486 | 0 | 0.0001262076073475876 | 0.00024287483447116344 | 0.0019704009497059074 | 0.004214316546175708 | 0 | 0 | 0.0011798918252862065
1530 | Services d'agence ou de représentation | 7.3522374562456e-06 | 0.0005073596798244048 | 0.0008431831299266974 | 0.0005341569389126771 | 0.0014312767218618082 | 0.00011621705562729959 | 0 | 0 | 0.0007333876854410084
1540 | Services d'enseignement | 0.0001877344162447201 | 0 | 0.00028299544973155215 | 0.0003851088744009432 | 0.0013863498559887491 | 6.691643284338918e-05 | 0 | 0 | 0.0006352153235747818
1550 | Autres services | 0.0597032964075746 | 0.009507225049163296 | 0.04131641015628351 | 0.015887094549431283 | 0.02953472023971462 | 0.015475902931448134 | 0 | 0 | 0.02830110374996322
1560 | Crédit à la consommation | 0.15862114893529883 | 0.02163719961643222 | 0.03927559646008558 | 0.06577073268552654 | 0.02912185868607545 | 0.019046887729713413 | 0.007895314158865262 | 0 | 0.057402248416210576
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998
(1) Commerce de gros
Import-export | 0.028023055601753454 | 0.02582190608145092 | 0.06775592907675851 | 0.048990067579149525 | 0.054309513344472836 | 0 | 0 | 0 | 0.04348404288220964
Produits pétroliers | 0.020919007978584852 | 0 | 0.058435811806180196 | 0.06906726357421995 | 0.008724257560361496 | 0 | 0 | 0 | 0.032400641077921385
Produits pharmaceutiques | 0 | 0 | 0.0018066873560346002 | 0.002495358275731766 | 0.0017570178173574773 | 0 | 0 | 0 | 0.0015144384556516819
Produits alimentaires | 0.014605531401103657 | 0.010705947126151659 | 0.032790309429953014 | 0.055992580485730456 | 0.04439448949922205 | 0 | 0 | 0 | 0.03697505043828988
Matériaux de construction | 0.006440585384404602 | 0.14933803128505635 | 0.07820481056130918 | 0.012822896322139229 | 0.12074515904574716 | 0 | 0 | 0 | 0.05354592509659342
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.04361411198333201 | 0.08273454988776108 | 0.028674760581563756 | 0.06020504067030546 | 0.04857467084340395 | 0 | 0 | 0 | 0.04382350752102692
S-Total | 0.11360229234917858 | 0.26860043438042003 | 0.26766830881179926 | 0.24957320690727638 | 0.27850510811056495 | 0 | - | 0 | 0.21174360547169294
(2) Commerce de détail
Produits pétroliers | 0.004694125101269411 | 0.0006513156666730628 | 0.004898949505285731 | 0.0028699164133072093 | 0.010043693783589713 | 0 | 0 | 0 | 0.005321966450095914
Produits pharmaceutiques | 0 | 0 | 0.00010452811660498316 | 4.220177088594948e-06 | 0.00011639194714435244 | 0 | 0 | 0 | 4.992641167302549e-05
Véhicules automobiles | 0.00097966348869667 | 0 | 0.000584255496174265 | 0.02648554543142222 | 0.06146779878480778 | 0 | 0 | 0 | 0.0285848325354685
Produits alimentaires | 0.0005698302163632912 | 0 | 0.030075160731536595 | 0.014435419311676892 | 0.03534091043678527 | 0 | 0 | 0 | 0.019072587434459692
Librairie ,papeterie | 6.965791208213577e-06 | 0 | 0 | 0.00059350828720542 | 0.0024374141992490567 | 0 | 0 | 0 | 0.0009881234160607395
Appareils électro- ménagers électroni.équip. inform. | 0.00018659732743611678 | 0 | 0.003429423702903153 | 0.006619457728515718 | 0.041523728777312405 | 0 | 0 | 0 | 0.01611424665784779
Matériaux de construction | 0.0030639550818614553 | 0 | 0.0014560066946189961 | 0.0022860310667463554 | 0.028879317524718198 | 0 | 0 | 0 | 0.010817145934669243
Autres | 0.02688734433740196 | 0.3465495151230812 | 0.0285582046164175 | 0.07636592150453068 | 0.03148519603782944 | 0 | 0 | 0 | 0.042927864409671605
S-Total | 0.03638848134423712 | 0.3472008307897542 | 0.06910652886354123 | 0.12966001992049309 | 0.21129445149143622 | 0 | - | 0 | 0.12387669324994652
[Secteur d'activitédéc. 22 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2022
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3842471.41 | 941120.7974800001 | 6066189.43216 | 21444501.83198769 | 30184493.56035 | 6374695 | 0 | 48333.3335 | 0 | 68901805.36547768
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 4249766.13 | 21130.39298 | 1273984.71441 | 2724278.627067202 | 5632341.32663 | 3780781 | 154537.3909046 | 4441.0535 | 0 | 17841260.635491803
Industries Manufacturières ( 200 à 290 ) | 3434238.4899999998 | 1941.94411 | 3971311.5520699997 | 13501587.694397997 | 15124922.36213 | 3611481 | 0 | 48333.3335 | 0 | 39693816.37620799
Prêts aux Particuliers ( 1560 ) | 4063564.81 | 33067.84138 | 707455.49113 | 3719137.7173458925 | 1794669.9598700001 | 322209 | 45846.815473 | 0 | 0 | 10685951.635198893
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 6065925.8100000005 | 269170.3306 | 3718587.3119200002 | 7877976.9210719 | 6309360.41962 | 1868800 | 5606454.4514003005 | 0 | 0 | 31716275.244612202
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1074637.92 | 140840.55675 | 348089.32925 | 845400.7661663 | 1087269.1789600002 | 66905 | 0 | 0 | 0 | 3563142.7511263
Bâtiments et Travaux Publics ( 600 ) | 759219.49 | 121014.69717 | 1330969.65486 | 6063714.6240537 | 1338965.24678 | 725288 | 0 | 2391.3365 | 0 | 10341563.0493637
Électricité, Gaz et Eau ( 300 à 500 ) | 2128227.74 | 0 | 462564.83814999997 | 369281.8014427 | 154194.1572 | 166463 | 0 | 0 | 0 | 3280731.5367927
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 133444.68012 | 1121.47878 | 0 | 0 | 0 | 0 | 0 | 134566.1589
Total | 25618051.799999997 | 1528286.5604700001 | 18012597.00407 | 56547001.462313384 | 61626216.211540006 | 16916622 | 5806838.657777901 | 103499.057 | 0 | 186159112.75317127
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1499907736934157 | 0.6158012651701742 | 0.33677483767550714 | 0.3792332268277692 | 0.48979955960200117 | 0.3768302560641244 | 0 | 0.46699298429356706 | #DIV/0! | 0.370123193790866
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16588951272243116 | 0.013826198257937756 | 0.07072743114844236 | 0.04817724294157028 | 0.09139521575194971 | 0.2234950334647189 | 0.026612998915960362 | 0.042909120418362846 | #DIV/0! | 0.09583877131573766
Industries Manufacturières ( 200 à 290 ) | 0.13405541205127863 | 0.0012706675307036569 | 0.22047412436822245 | 0.2387675269288388 | 0.2454300019039257 | 0.21348712526649824 | 0 | 0.46699298429356706 | #DIV/0! | 0.2132252125032316
Prêts aux Particuliers ( 1560 ) | 0.15862114893529883 | 0.021637199616432217 | 0.03927559646008559 | 0.06577073268552655 | 0.02912185868607545 | 0.019046887729713413 | 0.00789531415886526 | 0 | #DIV/0! | 0.05740224841621058
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2367832596075866 | 0.17612556281148017 | 0.20644370776072848 | 0.13931732394903906 | 0.10238110998024444 | 0.11047122764816758 | 0.9654916869251743 | 0 | #DIV/0! | 0.1703718650972777
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.04194846385625624 | 0.09215585636419306 | 0.01932477194550837 | 0.014950408409006981 | 0.017642965052856844 | 0.003954985812179288 | 0 | 0 | #DIV/0! | 0.01914030797864125
Bâtiments et Travaux Publics ( 600 ) | 0.029636113469018753 | 0.07918325024907885 | 0.07389104716878213 | 0.10723317713132774 | 0.02172720197819427 | 0.042874280692682024 | 0 | 0.02310491099450307 | #DIV/0! | 0.055552279426017676
Électricité, Gaz et Eau ( 300 à 500 ) | 0.08307531566471422 | 0 | 0.025680074785744782 | 0.00653052844347217 | 0.0025020870447523256 | 0.009840203321916161 | 0 | 0 | #DIV/0! | 0.017623265862588357
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007408408686978773 | 1.983268344913791e-05 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0007228556094292388
Total | 1.0000000000000002 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1 | #DIV/0! | 1.0000000000000002
[Secteur d' activitésept. 22 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 755.6581600000001 | 121498.235256976 | 1121.47878 | 10000 | 0 | 0 | 0 | 0 | 133375.372196976
200 | Industrie alimentaire | 2317524.55 | 0 | 1089854.4629643199 | 2239964.98868745 | 6440578.373400001 | 907868 | 4176.8799 | 24166.66675 | 0 | 13024133.92170177
210 | Industrie des boissons | 356649.17 | 0 | 1531.02035250293 | 2884448.341569565 | 4990500.03443 | 110000 | 0 | 0 | 0 | 8343128.5663520675
220 | Industrie du bois | 244.55 | 0 | 1531020.35250293 | 0 | 0 | 7027 | 0 | 0 | 0 | 1538291.90250293
230 | Industrie chimique | 132.51 | 0 | 725.99488 | 348423.079230495 | 135647.31583 | 74105 | 0 | 24166.66675 | 0 | 583200.566690495
240 | Industrie du textile | 0 | 0 | 9543.806120000001 | 1876774.24393288 | 3547.74071 | 341148 | 0 | 0 | 0 | 2231013.79076288
250 | Industrie pharmacie | 0 | 0 | 494674.056436272 | 12499.99993 | 204162.5924 | 76454 | 0 | 0 | 0 | 787790.648766272
260 | Imprimerie, édition | 33961.2 | 0 | 67360.56448000002 | 103596.97182513101 | 164566.66672 | 85823 | 0 | 0 | 0 | 455308.40302513103
270 | Sidérurgie, aciérie | 0 | 0 | 0.177734097 | 643062.0727572171 | 0 | 601216 | 0 | 0 | 0 | 1244278.250491314
280 | Industrie de la fabrication | 851.66 | 1228.53306 | 57606.665858289 | 2816684.8038514596 | 1136663.4462300001 | 300542 | 0 | 0 | 0 | 4313577.108999749
290 | Autres industries | 0 | 0 | 220236.93075398201 | 6706.133509727 | 1430779.96259 | 249784 | 0 | 0 | 0 | 1907507.026853709
300 | Production et distribution de l'électricité | 1723199.84 | 0 | 7030.473024186 | 72321.11755576199 | 0 | 2686 | 0 | 0 | 0 | 1805237.430579948
400 | Production et distribution de gaz | 0 | 0 | 11208.392380000001 | 0 | 145522.99931 | 78919 | 0 | 0 | 0 | 235650.39169000002
500 | Traitement et distribution de l'eau | 0 | 0 | 0 | 238154.163055513 | 9850.18075 | 73067 | 0 | 0 | 0 | 321071.343805513
600 | Entrep/ batiment et corps/ métiers corresp. | 763935.74 | 104044.71417 | 415299.0154358609 | 6019639.135975246 | 1339885.13974 | 599148 | 0 | 1112.3094149999997 | 0 | 9243064.054736108
700 | Commerce de gros(1) | 2872415.52 | 347034.45319 | 1491014.818241241 | 12287611.660786364 | 15741223.171659999 | 4374086 | 0 | 24166.66675 | 0 | 37137552.2906276
800 | Commerce de détail(2) | 837787.2 | 452863.85317 | 3535781.9042376773 | 6880768.988221388 | 10634420.813709997 | 1648241 | 0 | 24166.66675 | 0 | 24014030.426089063
900 | Rest/débits/boissons, casinos/activités/loterie | 34771.07 | 0 | 1210250.513286262 | 0 | 5683.6117699999995 | 7166 | 0 | 0 | 0 | 1257871.1950562622
1000 | Hotels,motels et pensions | 2199143.96 | 0 | 1154.654083559 | 345659.165750498 | 1174854.68125 | 129496 | 154457.270918126 | 0 | 0 | 4004765.732002183
1100 | Transport | 332833.03 | 135606.32291 | 54026.85486772099 | 377395.067572865 | 945685.19163 | 25731 | 0 | 0 | 0 | 1871277.466980586
1200 | Immobilier résidentiel / Avance Hypothécaire | 2350775.25 | 211496.19097 | 284946.70354381 | 549191.098261545 | 3219660.0365000004 | 1551803 | 3928346.918475233 | 0 | 0 | 12096219.197750589
1300 | Immobilier commercial | 3241899.8800000004 | 47355.35506 | 1745572.6356219258 | 6624230.108105225 | 2649467.7055899994 | 149199 | 1139917.491154695 | 0 | 0 | 15597642.175531844
1400 | Télécommunications | 836340.76 | 0 | 1974207.9220915257 | 13339.746477276 | 44594.333959999996 | 27007 | 0 | 0 | 0 | 2895489.762528802
1500 | Services financiers | 220636.09 | 0 | 9423.446511786 | 1386105.799365676 | 1767401.32852 | 2482118 | 0 | 953.40807 | 0 | 5866638.072467462
1510 | Services professionnels | 71682.34000000001 | 6772.97746 | 263806.951063312 | 201371.54641846102 | 533787.6227899999 | 700385 | 0 | 1112.3094149999997 | 0 | 1778918.747146773
1520 | Services médicaux | 10891.91 | 0 | 214310.57423133604 | 1770.50059 | 37546.0583 | 61785 | 0 | 0 | 0 | 326304.043121336
1530 | Services d'agence ou de représentation | 1814.09 | 775.39098 | 22199.012158969 | 19035.341123717 | 77412.70735 | 636 | 0 | 0 | 0 | 121872.541612686
1540 | Services d'enseignement | 432376.96 | 0 | 14809.705753971999 | 22338.689500763998 | 77700.95620999999 | 1294 | 0 | 0 | 0 | 548520.311464736
1550 | Autres services | 3180844.74 | 12706.93277 | 5451.237003824999 | 781056.0202130461 | 1711766.0182 | 220660 | 0 | 0 | 0 | 5912484.948186872
1560 | Crédit à la consommation | 3831803.76 | 27587.67246 | 462255.526147657 | 4043776.936708953 | 1866495.8672 | 329014 | 52159.981497337 | 0 | 0 | 10613093.744013947
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 25652515.78 | 1348228.05436 | 15316802.607023997 | 50797047.19975622 | 56499404.55674999 | 15216408 | 5279058.541945391 | 99844.69390000001 | 0 | 170209309.4337356
(1) Commerce de gros
Import-export | 879311.1599999999 | 39152.85997 | 824896.299692933 | 2627045.4126431798 | 3116977.0057099997 | 218974.89 | 0 | 7706357.628016111
Produits pétroliers | 559696.9 | 0 | 436842.29223141307 | 3699246.93305554 | 1091407.9326099998 | 2320254.57 | 0 | 8107448.627896953
Produits pharmaceutiques | 0 | 0 | 25955.101601093 | 142699.427911335 | 81646.56745999999 | 22635.36 | 0 | 272936.45697242796
Produits alimentaires | 150043.8 | 12331.74962 | 539078.054448813 | 2843996.8329113 | 2530327.48432 | 1240464.55 | 0 | 7316242.471300113
Matériaux de construction | 157853.98 | 159917.42 | 1170069.914098911 | 252628.73646007304 | 6311420.546060001 | 533347.43 | 0 | 8585238.026618984
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1125509.67 | 104484.46758 | 538940.242164515 | 2721994.317804933 | 2609443.6355 | 5409.19 | 0 | 0 | 7105781.523049448
S-Total | 2872415.51 | 315886.49717 | 3535781.9042376783 | 12287611.66078636 | 15741223.171659999 | 4341085.99 | 0 | 0 | 0 | 39094004.73385404
(2) Commerce de détail
Produits pétroliers | 137438.92 | 4834.70675 | 84900.69902999999 | 113344.28463000001 | 272484.14892 | 80177 | 693179.75933
Produits pharmaceutiques | 0 | 0 | 2617.4835199999998 | 0 | 6295.7121 | 28588 | 0 | 37501.19562
Véhicules automobiles | 25901.43 | 0 | 37980.16082047 | 1174283.604378841 | 3071299.61981 | 577832 | 0 | 4887296.815009311
Produits alimentaires | 126769.06999999999 | 0 | 550451.11037364 | 699199.1561567289 | 1792777.4134099998 | 146351.36 | 0 | 3315548.109940368
Librairie ,papeterie | 178.45 | 0 | 0 | 30091.046476608 | 131347.88805 | 0 | 0 | 161617.38452660802
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 62687.292715935 | 357293.33766586805 | 2168742.3980300003 | 683745 | 0 | 3272468.0284118033
Matériaux de construction | 63957.71 | 0 | 26756.895804264 | 104093.59038275403 | 1449793.65052 | 21 | 0 | 1644622.8467070179
Autres | 483541.63 | 415445.29527 | 444856.87102195306 | 4402463.968530589 | 1741679.98287 | 131483 | 0 | 0 | 7619470.747692542
S-Total | 837787.21 | 420280.00202 | 1210250.513286262 | 6880768.988221388 | 10634420.81371 | 1648197.3599999999 | 0 | 0 | 0 | 21631704.887237653
[Secteur d'activitéssept. 22%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0.0005604824477255881 | 0.007932349745191546 | 2.2077637221507276e-05 | 0.00017699301573976143 | 0 | 0 | 0 | 0.0007835962242059418
200 | Industrie alimentaire | 0.090342973370544 | 0 | 0.07115417564136611 | 0.04409636213457305 | 0.11399373894163534 | 0.05966375244407222 | 0.0007912168176980992 | 0.2420425743826132 | 0.07651834065381842
210 | Industrie des boissons | 0.01390308744213157 | 0 | 9.995691606032927e-05 | 0.056783779778116855 | 0.0883283651143149 | 0.0072290385483880296 | 0 | 0 | 0.049016875716778235
220 | Industrie du bois | 9.5331780359205e-06 | 0 | 0.09995691606032925 | 0 | 0 | 0.00046180412617747896 | 0 | 0 | 0.009037648455426019
230 | Industrie chimique | 5.165575226088019e-06 | 0 | 4.7398592162248824e-05 | 0.006859120725272533 | 0.002400862750575558 | 0.004870071832984499 | 0 | 0.2420425743826132 | 0.0034263729089244765
240 | Industrie du textile | 0 | 0 | 0.0006230938900801262 | 0.03694652243372695 | 6.279253273256224e-05 | 0.022419745842777086 | 0 | 0 | 0.013107472195176485
250 | Industrie pharmacie | 0 | 0 | 0.032296169711648816 | 0.0002460772942341418 | 0.0036135352930123698 | 0.005024444665258713 | 0 | 0 | 0.004628364050046086
260 | Imprimerie, édition | 0.001323893542888993 | 0 | 0.00439782154332326 | 0.0020394290128271115 | 0.0029127150633013036 | 0.005640161593984599 | 0 | 0 | 0.0026749911890241685
270 | Sidérurgie, aciérie | 0 | 0 | 1.1603864171918916e-08 | 0.012659438061988439 | 0 | 0.03951103309006961 | 0 | 0 | 0.0073102831721183
280 | Industrie de la fabrication | 3.319986262961378e-05 | 0.000911220513493306 | 0.0037610111807454953 | 0.055449774329894064 | 0.02011814912293979 | 0.019751179121905774 | 0 | 0 | 0.025342780153156504
290 | Autres industries | 0 | 0 | 0.014378779723451258 | 0.0001320181758470241 | 0.02532380604388271 | 0.016415437861550506 | 0 | 0 | 0.011206831360750704
300 | Production et distribution de l'électricité | 0.06717469174479541 | 0 | 0.00045900395823877477 | 0.001423726801901766 | 0 | 0.00017651997764518406 | 0 | 0 | 0.010605985281214874
400 | Production et distribution de gaz | 0 | 0 | 0.0007317710273853136 | 0 | 0.0025756554507372124 | 0.005186440847274863 | 0 | 0 | 0.0013844741658019673
500 | Traitement et distribution de l'eau | 0 | 0 | 0 | 0.004688346590678521 | 0.0001743413196524245 | 0.00480185599650062 | 0 | 0 | 0.0018863324507553429
600 | Entrep/ batiment et corps/ métiers corresp. | 0.029780148916060817 | 0.07717145021091386 | 0.02711394969896737 | 0.1185037215313597 | 0.023715031162747428 | 0.039375127165359916 | 0 | 0.011140395864341466 | 0.0543041040791869
700 | Commerce de gros(1) | 0.11197402799141754 | 0.25740040942460307 | 0.0973450436422997 | 0.24189617976151445 | 0.27860865605847157 | 0.28745851189058547 | 0 | 0.2420425743826132 | 0.21818755045878183
800 | Commerce de détail(2) | 0.0326590657690261 | 0.33589558658529267 | 0.23084334210954932 | 0.1354560819482911 | 0.188221821046422 | 0.10831997932757849 | 0 | 0.2420425743826132 | 0.14108529378316992
900 | Rest/débits/boissons, casinos/activités/loterie | 0.001355464325534468 | 0 | 0.07901456618179985 | 0 | 0.00010059595874663033 | 0.0004709390021613511 | 0 | 0 | 0.007390143343163997
1000 | Hotels,motels et pensions | 0.08572819831240738 | 0 | 7.538479885021808e-05 | 0.006804709816915438 | 0.020794107309041365 | 0.00851028705329142 | 0.029258487984337982 | 0 | 0.023528476470091566
1100 | Transport | 0.012974674018502837 | 0.10058114609873767 | 0.0035272932774458613 | 0.007429468608456362 | 0.01673796740070279 | 0.0016910035535324763 | 0 | 0 | 0.010993978374074159
1200 | Immobilier résidentiel | 0.09163916982492545 | 0.15686974491151398 | 0.01860353696881481 | 0.010811476818758485 | 0.05698573395169254 | 0.10198221551367445 | 0.744137782762226 | 0 | 0.07106673094434815
1300 | Immobilier commercial | 0.126377463629807 | 0.03512414306085587 | 0.11396455777405129 | 0.13040581044122215 | 0.046893727931748036 | 0.009805139294372232 | 0.21593196629613862 | 0 | 0.09163800868132997
1400 | Télécommunications | 0.032602679876414055 | 0 | 0.12889164747649037 | 0.0002626086989824089 | 0.0007892885652486457 | 0.0017748604006937775 | 0 | 0 | 0.017011347805603125
1500 | Services financiers | 0.00860095329020396 | 0 | 0.0006152358787639259 | 0.02728713332322057 | 0.031281769115721565 | 0.16312115185134363 | 0 | 0.009548910740864116 | 0.03446719860379558
1510 | Services professionnels | 0.0027943590646141298 | 0.005023614097108455 | 0.017223369513317037 | 0.003964237244471711 | 0.00944766811221603 | 0.04602827421557046 | 0 | 0.011140395864341466 | 0.010451359876054993
1520 | Services médicaux | 0.00042459422278152867 | 0 | 0.0139918610776545 | 3.485439976535677e-05 | 0.00066453900876579 | 0.00406041951556504 | 0 | 0 | 0.0019170751835308388
1530 | Services d'agence ou de représentation | 7.071782025427526e-05 | 0.0005751185620952502 | 0.001449324165657717 | 0.00037473322118235946 | 0.0013701508530456095 | 4.1796986516134425e-05 | 0 | 0 | 0.0007160157221607925
1540 | Services d'enseignement | 0.016855148388100902 | 0 | 0.0009668927735074778 | 0.0004397635439894468 | 0.0013752526565471042 | 8.503978074194646e-05 | 0 | 0 | 0.0032226222718933074
1550 | Autres services | 0.12399737972210693 | 0.009424913484708598 | 0.00035589914838526183 | 0.015376012254050752 | 0.030297062980206135 | 0.014501451328066387 | 0 | 0 | 0.03473655446847734
1560 | Crédit à la consommation | 0.149373410111591 | 0.020462170602951732 | 0.030179635920598424 | 0.07960653541153785 | 0.03303567324015293 | 0.02162231717235763 | 0.009880546139599254 | 0 | 0.06235319195713994
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999997 | 0.9999999999999999 | 1.0000000000000004 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998
(1) Commerce de gros
Import-export | 0.03427777484053066 | 0.029040235324717188 | 0.05385564604159951 | 0.05171649844748825 | 0.05516831602321044 | 0.014390708372172987 | 0 | 0 | 0.045275770483143185
Produits pétroliers | 0.02181840193765198 | 0 | 0.028520462360145937 | 0.07282405448703509 | 0.019317158139494216 | 0.15248372480548628 | 0 | 0 | 0.0476322279602061
Produits pharmaceutiques | 0 | 0 | 0.001694550897273461 | 0.002809207144466063 | 0.001445087219954527 | 0.0014875626363330952 | 0 | 0 | 0.0016035342478061413
Produits alimentaires | 0.005849087133862392 | 0.009146634784909477 | 0.0351952080522081 | 0.055987443949792194 | 0.044785029225900067 | 0.081521509544171 | 0 | 0 | 0.042983797394163144
Matériaux de construction | 0.006153547720378793 | 0.1186130339617598 | 0.0763912641638627 | 0.004973295700961245 | 0.11170773560490514 | 0.035050810283215335 | 0 | 0 | 0.050439297681078445
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.04387521596916838 | 0.07749762159458881 | 0.03518621059445965 | 0.05358568003177153 | 0.04618532984500718 | 0.00035548402750504586 | 0 | 0 | 0.04174731421383158
S-Total | 0.1119740276015922 | 0.23429752566597528 | 0.23084334210954938 | 0.24189617976151437 | 0.27860865605847157 | 0.2852897996688838 | - | 0 | 0.2296819419802286
(2) Commerce de détail
Produits pétroliers | 0.005357717004394335 | 0.0035859710338804825 | 0.005542977944435095 | 0.002231316402787758 | 0.004822779125863306 | 0.0052691147608555184 | 0 | 0 | 0.004072513786914003
Produits pharmaceutiques | 0 | 0 | 0.0001708896815579298 | 0 | 0.00011142970708083065 | 0.0018787614001937907 | 0 | 0 | 0.0002203239984038572
Véhicules automobiles | 0.0010097033063787867 | 0 | 0.002479640287526655 | 0.02311716269178096 | 0.05435985819505546 | 0.03797427093174684 | 0 | 0 | 0.028713451874452203
Produits alimentaires | 0.004941779242519191 | 0 | 0.03593772959646378 | 0.013764562995308994 | 0.03173090809495649 | 0.009617996573172853 | 0 | 0 | 0.01947924071233688
Librairie ,papeterie | 6.956432715232111e-06 | 0 | 0 | 0.0005923778671283163 | 0.0023247658817018074 | 0 | 0 | 0 | 0.0009495214160981451
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.004092714016382753 | 0.007033742261845148 | 0.03838522573900118 | 0.04493471783879612 | 0 | 0 | 0.019226140093622855
Matériaux de construction | 0.0024932334336527206 | 0 | 0.0017468982587784863 | 0.002049205536955967 | 0.025660335040589254 | 1.3800891774195328e-06 | 0 | 0 | 0.009662355438597722
Autres | 0.018849676739191152 | 0.30814170787093637 | 0.02904371639665514 | 0.08666771419248394 | 0.03082651926217373 | 0.008640869776888212 | 0 | 0 | 0.044765299695072716
S-Total | 0.03265906615885142 | 0.31172767890481684 | 0.07901456618179985 | 0.13545608194829106 | 0.18822182104642204 | 0.10831711137083076 | - | 0 | 0.12708884701549839
[Secteur d'activitésept. 22 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2022
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3710202.7199999997 | 799898.30636 | 5026796.722478919 | 19168380.649007753 | 26375643.985369995 | 6022327 | 0 | 48333.3335 | 0 | 61151582.71671666
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6152161.16 | 20255.301209999998 | 1741406.0940930212 | 2757337.0629621623 | 5386152.98439 | 3603540 | 154457.270918126 | 2065.7174849999997 | 0 | 19817375.59105831
Industries Manufacturières ( 200 à 290 ) | 2709363.6399999997 | 1228.53306 | 3472554.0320823933 | 10932160.635293925 | 14506446.132309997 | 2753967 | 4176.8799 | 48333.3335 | 0 | 34428230.18614631
Prêts aux Particuliers ( 1560 ) | 3831803.76 | 27587.67246 | 462255.526147657 | 4043776.936708953 | 1866495.8672 | 329014 | 52159.981497337 | 0 | 0 | 10613093.744013947
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592675.130000001 | 258851.54603 | 2030519.3391657358 | 7173421.20636677 | 5869127.74209 | 1701002 | 5068264.409629928 | 0 | 0 | 27693861.373282433
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1169173.79 | 135606.32291 | 2028234.7769592467 | 390734.814050141 | 990279.52559 | 52738 | 0 | 0 | 0 | 4766767.229509387
Bâtiments et Travaux Publics ( 600 ) | 763935.74 | 104044.71417 | 415299.0154358609 | 6019639.135975246 | 1339885.13974 | 599148 | 0 | 1112.3094149999997 | 0 | 9243064.054736108
Électricité, Gaz et Eau ( 300 à 500 ) | 1723199.84 | 0 | 18238.865404186 | 310475.280611275 | 155373.18006 | 154672 | 0 | 0 | 0 | 2361959.166075461
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 755.6581600000001 | 121498.235256976 | 1121.47878 | 10000 | 0 | 0 | 0 | 0 | 133375.372196976
Total | 25652515.779999997 | 1348228.0543600004 | 15316802.607023995 | 50797047.199756235 | 56499404.55674999 | 15216408 | 5279058.541945391 | 99844.6939 | 0 | 170209309.4337356
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.14463309376044364 | 0.5932959960098956 | 0.3281883857518491 | 0.3773522617098054 | 0.46683047710489356 | 0.395778491218164 | 0 | 0.48408514876522646 | #DIV/0! | 0.35927284424195177
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.23982681514600362 | 0.015023646143912297 | 0.113692533537936 | 0.05428144380359562 | 0.09533114599429023 | 0.23681935973325635 | 0.029258487984337982 | 0.020689306605205585 | #DIV/0! | 0.11642944593916843
Industries Manufacturières ( 200 à 290 ) | 0.10561785297145619 | 0.0009112205134933056 | 0.22671533486303114 | 0.2152125219464801 | 0.2567539648623945 | 0.18098666912716851 | 0.0007912168176980992 | 0.48408514876522646 | #DIV/0! | 0.20226995985521937
Prêts aux Particuliers ( 1560 ) | 0.14937341011159103 | 0.020462170602951725 | 0.030179635920598427 | 0.07960653541153782 | 0.03303567324015293 | 0.02162231717235763 | 0.009880546139599254 | 0 | #DIV/0! | 0.06235319195713994
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2180166334547325 | 0.19199388797236977 | 0.13256809474286613 | 0.14121728725998062 | 0.10387946188344058 | 0.11178735480804668 | 0.9600697490583646 | 0 | #DIV/0! | 0.16270473962567814
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.0455773538949169 | 0.10058114609873764 | 0.13241894075393626 | 0.007692077307438769 | 0.017527255965951435 | 0.0034658639542262536 | 0 | 0 | #DIV/0! | 0.02800532617967728
Bâtiments et Travaux Publics ( 600 ) | 0.02978014891606082 | 0.07717145021091383 | 0.027113949698967372 | 0.11850372153135967 | 0.023715031162747428 | 0.039375127165359916 | 0 | 0.011140395864341467 | #DIV/0! | 0.0543041040791869
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06717469174479541 | 0 | 0.0011907749856240886 | 0.006112073392580286 | 0.002749996770389637 | 0.010164816821420666 | 0 | 0 | #DIV/0! | 0.013876791897772186
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0.0005604824477255879 | 0.007932349745191546 | 2.207763722150727e-05 | 0.00017699301573976143 | 0 | 0 | 0 | #DIV/0! | 0.0007835962242059418
Total | 1.0000000000000002 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activitéjuin 22]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 123678.534959365 | 10406.40085506 | 10000 | 0 | 0 | 0 | 0 | 144084.935814425
200 | Industrie alimentaire | 2316524.36 | 755.6581600000001 | 964511.534122915 | 1822577.2443266704 | 5122371.940179999 | 917471 | 5012.76662 | 29000.000099999997 | 0 | 11178224.503509585
210 | Industrie des boissons | 765117.1 | 0 | 1490520.7878341351 | 2840947.1263840157 | 2582113.2070900006 | 110035 | 0 | 0 | 0 | 7788733.221308151
220 | Industrie du bois | 272.15 | 0 | 643.7551 | 0 | 0 | 10045 | 0 | 0 | 0 | 10960.9051
230 | Industrie chimique | 144.4 | 0 | 9367.90409 | 343491.977495055 | 114351.75343000001 | 75128 | 0 | 29000.000099999997 | 0 | 571484.0351150549
240 | Industrie du textile | 0 | 0 | 497850.887540235 | 1894960.1512439852 | 109860.10552 | 209456 | 0 | 0 | 0 | 2712127.1443042206
250 | Industrie pharmacie | 0 | 0 | 72072.79023 | 24999.99994 | 149007.27638 | 93309 | 0 | 0 | 0 | 339389.06655
260 | Imprimerie, édition | 64465.56 | 0 | 541.3238534650001 | 152104.98329189 | 142788.08028999998 | 56647 | 0 | 0 | 0 | 416546.947435355
270 | Sidérurgie, aciérie | 0 | 0 | 45608.872202750004 | 591996.123159555 | 0 | 613874 | 0 | 0 | 0 | 1251478.995362305
280 | Industrie de la fabrication | 1267.04 | 1374.87208 | 210687.39639683 | 2978831.1095886216 | 1171727.82893 | 69845 | 0 | 0 | 0 | 4433733.246995452
290 | Autres industries | 0 | 0 | 16792.453747080002 | 12289.479868935001 | 3363823.28124 | 167360 | 0 | 0 | 0 | 3560265.214856015
300 | Production et distribution de l'électricité | 1696853.76 | 0 | 11208.392380000001 | 132443.29777303 | 0 | 7012 | 0 | 0 | 0 | 1847517.45015303
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 158869.46036000003 | 81254 | 0 | 0 | 0 | 240123.46036000003
500 | Traitement et distribution de l'eau | 0 | 0 | 474411.8725155251 | 189024.10429075998 | 10978.32858 | 5284 | 0 | 0 | 0 | 679698.3053862851
600 | Entrep/ batiment et corps/ métiers corresp. | 787695.19 | 102941.07917 | 1072816.36121677 | 6338955.723570005 | 1456127.28192 | 572306 | 0 | 44488.72627 | 0 | 10375330.362146774
700 | Commerce de gros(1) | 2484769.01 | 343503.9883 | 4835778.577028035 | 10744713.173112402 | 12805313.76838 | 4667658 | 0 | 38666.6668 | 0 | 35920403.18362044
800 | Commerce de détail(2) | 844629.099839005 | 450726.76094999997 | 1293688.917585395 | 7274705.717091341 | 9532287.734170005 | 1424035 | 0 | 0 | 0 | 20820073.229635745
900 | Rest/débits/boissons, casinos/activités/loterie | 30415.03 | 0 | 1225.28006139 | 169.91044 | 7163.93113 | 7705 | 0 | 0 | 0 | 46679.15163139
1000 | Hotels,motels et pensions | 2204521.71 | 0 | 61549.904181980004 | 350556.739826155 | 1172259.551 | 131272 | 155850.25830619 | 0 | 0 | 4076010.163314325
1100 | Transport | 1017183.75 | 132174.76106 | 377582.96765133995 | 318594.43108773505 | 866702.36626 | 42652 | 0 | 0 | 0 | 2754890.2760590753
1200 | Immobilier résidentiel / Avance Hypothécaire | 2385872.99 | 212798.16577000002 | 1821417.8711438156 | 544358.1167670705 | 3211002.08529 | 1410094 | 3821887.695541501 | 0 | 0 | 13407430.924512386
1300 | Immobilier commercial | 2997262.26 | 48308.55951 | 1883385.873864815 | 6613704.123910519 | 1881599.36308 | 153232 | 1114917.8123927703 | 0 | 0 | 14692409.992758103
1400 | Télécommunications | 992957.55 | 0 | 6546.534714920001 | 33967.290054130004 | 49910.788199999995 | 27793 | 0 | 0 | 0 | 1111175.16296905
1500 | Services financiers | 253581.8 | 6296.42604 | 235991.549525195 | 1028315.4217399851 | 1762751.1748199998 | 2440701 | 0 | 0 | 0 | 5727637.37212518
1510 | Services professionnels | 565313.93 | 6881.17737 | 211068.016289115 | 197110.16386231504 | 234534.75176 | 720415 | 0 | 38133.19395 | 0 | 1973456.2332314302
1520 | Services médicaux | 8790.74 | 0 | 24589.621853255 | 2237.55647 | 27308.8769 | 40324 | 0 | 0 | 0 | 103250.795223255
1530 | Services d'agence ou de représentation | 0 | 775.39098 | 18107.882239060003 | 15831.022453674997 | 61188.13577 | 560 | 0 | 0 | 0 | 96462.431442735
1540 | Services d'enseignement | 432172.94 | 0 | 5899.79102826 | 55308.281787709995 | 78453.67278000001 | 1625 | 0 | 0 | 0 | 573459.68559597
1550 | Autres services | 3180476.07 | 12106.509269999999 | 618442.258346245 | 786318.1931080807 | 1796211.95981 | 236667 | 0 | 44488.72627 | 0 | 6674710.716804326
1560 | Crédit à la consommation | 3781417.83 | 27047.5888 | 755470.6479719443 | 3972103.01756411 | 1986958.99277 | 343333 | 53157.280887469984 | 0 | 0 | 10919488.357993523
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 26811704.269839004 | 1345690.93746 | 17141458.559673835 | 49271020.88106281 | 49865665.696040004 | 14637092 | 5150825.813747931 | 223777.31348999997 | 0 | 164447235.47131357
(1) Commerce de gros
Import-export | 892188.27 | 39262.27523 | 876633.150597345 | 1450056.931250385 | 2793742.6629500003 | 275434 | 0 | 6327317.29002773
Produits pétroliers | 0 | 0 | 1163097.035571375 | 3739987.2857168205 | 584141.4878400001 | 2619688 | 0 | 8106913.809128195
Produits pharmaceutiques | 0 | 0 | 23389.81335196 | 158295.085038275 | 83264.23720999999 | 28020 | 0 | 292969.13560023496
Produits alimentaires | 300174.36 | 13590.12827 | 1296339.82713535 | 2532550.66558885 | 2895900.7011700002 | 1205242 | 0 | 8243797.682164201
Matériaux de construction | 134026.3 | 183996.38875 | 998246.984811775 | 212248.31085738004 | 4764417.23571 | 537529 | 0 | 6830464.220129155
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 3.5617760150000004 | 0 | 0 | 0 | 0 | 3.5617760150000004
Autres | 1158380.0799999998 | 106655.19605 | 478068.20378421503 | 2651574.894660695 | 1683847.4434999991 | 1745 | 0 | 0 | 6080270.817994909
S-Total | 2484769.01 | 343503.98829999997 | 4835778.577028035 | 10744713.173112405 | 12805313.76838 | 4667658 | 0 | 0 | 0 | 35881736.51682044
(2) Commerce de détail
Produits pétroliers | 169695.16 | 4773.446599999999 | 84835.70311 | 144629.63805 | 170276.88470999998 | 72034 | 646244.83247
Produits pharmaceutiques | 0 | 0 | 2868.62576 | 198.72929000000002 | 5958.10948 | 3864 | 0 | 12889.464530000001
Véhicules automobiles | 26165.79 | 0 | 50906.57321055 | 1318672.13273302 | 3079573.56888 | 611541 | 0 | 5086859.06482357
Produits alimentaires | 110435.17 | 0 | 695524.8375118399 | 619257.1314157802 | 1865313.5693299994 | 143732 | 0 | 3434262.7082576193
Librairie ,papeterie | 228.46 | 0 | 0 | 33192.493649590004 | 156066.39927000002 | 0 | 0 | 189487.35291959002
Appareils électro- ménagers électroni.équip. inform. | 2390.39 | 0 | 55835.00815596001 | 286959.332168355 | 1743544.7843 | 456716 | 0 | 2545445.514624315
Matériaux de construction | 64484.399999999994 | 0 | 27269.972094324996 | 93085.18054041 | 1144914.36626 | 19 | 0 | 1329772.9188947352
Autres | 479918.29806 | 445953.31435 | 376448.19774271996 | 4778711.079244199 | 1366640.05194 | 136128 | 0 | 0 | 7583798.941336919
S-Total | 853317.66806 | 450726.76095 | 1293688.9175853948 | 7274705.717091354 | 9532287.73417 | 1424034 | 0 | 0 | 0 | 20828760.797856748
[Secteur d'activitésjuin 22% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007215169848517158 | 0.00021120733179408652 | 0.000200538784761358 | 0 | 0 | 0 | 0.0008761773063649914
200 | Industrie alimentaire | 0.08639974306317791 | 0.0005615391610099638 | 0.05626776337411439 | 0.03699085612060401 | 0.10272342439793766 | 0.06268123476985729 | 0.0009731966875332027 | 0.1295931193726478 | 0.06797453585323136
210 | Industrie des boissons | 0.02853668279717283 | 0 | 0.08695414002520545 | 0.057659595347981235 | 0.05178138446660815 | 0.007517545151728226 | 0 | 0 | 0.04736311436908789
220 | Industrie du bois | 1.015041778997043e-05 | 0 | 3.755544475745297e-05 | 0 | 0 | 0.0006862701962930888 | 0 | 0 | 6.665302136935003e-05
230 | Industrie chimique | 5.385707620326035e-06 | 0 | 0.0005465056580446706 | 0.006971480828948589 | 0.0022931961668182653 | 0.005132713519871297 | 0 | 0.1295931193726478 | 0.003475181771692024
240 | Industrie du textile | 0 | 0 | 0.029043671272610073 | 0.03845993278317292 | 0.002203121205473536 | 0.01430994626528275 | 0 | 0 | 0.016492385150356195
250 | Industrie pharmacie | 0 | 0 | 0.0042045891240290924 | 0.0005073976445576082 | 0.0029881738125845003 | 0.006374831831350107 | 0 | 0 | 0.0020638174036632165
260 | Imprimerie, édition | 0.002404381286292141 | 0 | 3.157980119255968e-05 | 0.003087108417320234 | 0.002863454809976381 | 0.0038700993339387357 | 0 | 0 | 0.0025330127699715456
270 | Sidérurgie, aciérie | 0 | 0 | 0.0026607346185841636 | 0.012015097567971991 | 0 | 0.04193961478140603 | 0 | 0 | 0.007610216077974841
280 | Industrie de la fabrication | 4.7256973568268e-05 | 0.001021684877060315 | 0.01229110088055651 | 0.0604580756867071 | 0.02349768748846866 | 0.0047717811707407454 | 0 | 0 | 0.026961433764989495
290 | Autres industries | 0 | 0 | 0.000979639724858952 | 0.00024942612613205323 | 0.06745770329718334 | 0.011433965161932439 | 0 | 0 | 0.021649893989717287
300 | Production et distribution de l'électricité | 0.0632877993477208 | 0 | 0.0006538762346845048 | 0.0026880566995504296 | 0 | 0.00047905690556566835 | 0 | 0 | 0.01123471273237253
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0031859488516287142 | 0.005551239276216888 | 0 | 0 | 0.0014601854489787853
500 | Traitement et distribution de l'eau | 0 | 0 | 0.02767628383920628 | 0.0038364154204771285 | 0.0002201580672144085 | 0.00036100066871206385 | 0 | 0 | 0.00413323035463769
600 | Entrep/ batiment et corps/ métiers corresp. | 0.029378781075326616 | 0.07649682130155526 | 0.06258606042665621 | 0.1286548484325472 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | 0.06309215434610735
700 | Commerce de gros(1) | 0.09267478803259678 | 0.2552621695947258 | 0.28211009933568043 | 0.21807368674275032 | 0.2567962061598811 | 0.318892441203485 | 0 | 0.1727908258301971 | 0.21843117691015518
800 | Commerce de détail(2) | 0.031502253319612525 | 0.33494077161636354 | 0.07547134411472224 | 0.14764674218242868 | 0.19115933982060515 | 0.09728947525915667 | 0 | 0 | 0.12660640460123535
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0011343937593036354 | 0 | 7.148050191437818e-05 | 3.4484862899462394e-06 | 0.00014366460429242624 | 0.0005264023755538326 | 0 | 0 | 0.00028385488815062986
1000 | Hotels,motels et pensions | 0.08222236407701648 | 0 | 0.0035907040213473624 | 0.007114866579939093 | 0.023508350578243516 | 0.008968448104309244 | 0.030257334249241014 | 0 | 0.024786127608848435
1100 | Transport | 0.037938048986473766 | 0.09822074101909364 | 0.022027470202542938 | 0.006466162571642309 | 0.01738074392795738 | 0.0029139667906712616 | 0 | 0 | 0.016752426808291605
1200 | Immobilier résidentiel | 0.08898624891532592 | 0.1581330154245208 | 0.1062580447750692 | 0.011048241076252859 | 0.0643930456050243 | 0.09633703197329087 | 0.7419951350986482 | 0 | 0.08153029077129849
1300 | Immobilier commercial | 0.11178932267172875 | 0.035898703160758966 | 0.10987313986778101 | 0.13423111609308017 | 0.03773336496798085 | 0.010468746114323801 | 0.21645418670865807 | 0 | 0.08934422005118517
1400 | Télécommunications | 0.0370344809120171 | 0 | 0.0003819123496480668 | 0.000689396920273378 | 0.0010009048812109527 | 0.0018988061289769854 | 0 | 0 | 0.006757031577845437
1500 | Services financiers | 0.009457876957312967 | 0.0046789540337431 | 0.01376729691371639 | 0.0208705929642147 | 0.03534999784350589 | 0.16674767091714665 | 0 | 0 | 0.03482963611829351
1510 | Services professionnels | 0.021084595157046113 | 0.005113490162152883 | 0.012313305519150127 | 0.004000529324085384 | 0.004703331410225718 | 0.04921845131532958 | 0 | 0.1704068806407584 | 0.012000543685489216
1520 | Services médicaux | 0.0003278694972735795 | 0 | 0.0014345116413315817 | 4.541323540669722e-05 | 0.0005476488986723521 | 0.0027549188049101558 | 0 | 0 | 0.0006278658010110863
1530 | Services d'agence ou de représentation | 0 | 0.0005762028697789668 | 0.001056379314281909 | 0.0003213049409284639 | 0.001227059438912878 | 3.8258965647001467e-05 | 0 | 0 | 0.0005865859110751793
1540 | Services d'enseignement | 0.016118816456071373 | 0 | 0.0003441825564447335 | 0.0011225316788385765 | 0.0015733004199366433 | 0.00011101931995781675 | 0 | 0 | 0.003487195658549123
1550 | Autres services | 0.11862267455999721 | 0.008996500558182484 | 0.036078741852292685 | 0.01595904000053508 | 0.03602101635941146 | 0.01616899039781946 | 0 | 0.1988080273918745 | 0.040588768170375676
1560 | Crédit à la consommation | 0.14103608602955497 | 0.020099406221054363 | 0.044072716761059526 | 0.08061742879556971 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | 0.0664011670776815
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1
(1) Commerce de gros
Import-export | 0.03327607454643007 | 0.02917629459860062 | 0.051141106081816726 | 0.02943021892626768 | 0.056025375856395325 | 0.018817535614314648 | 0 | 0 | 0.03847627642929563
Produits pétroliers | 0 | 0 | 0.06785286278424525 | 0.07590642976010012 | 0.01171430241001252 | 0.17897598785332497 | 0 | 0 | 0.04929796348289709
Produits pharmaceutiques | 0 | 0 | 0.0013645171016535165 | 0.003212742139449262 | 0.0016697708944174844 | 0.0019143146739803235 | 0 | 0 | 0.0017815388307414932
Produits alimentaires | 0.011195646385585113 | 0.010098996650487557 | 0.07562599312202384 | 0.0514004098210644 | 0.05807404074021964 | 0.08234162906129168 | 0 | 0 | 0.05013035128585218
Matériaux de construction | 0.004998798235693235 | 0.1367300496927581 | 0.058235825226693516 | 0.004307771729953278 | 0.0955450442545352 | 0.03672375633083402 | 0 | 0 | 0.041535901777568475
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.077872196581487e-07 | 0 | 0 | 0 | 0 | 0 | 2.165908113196176e-08
Autres | 0.04320426886488837 | 0.0792568286528795 | 0.027889587232027918 | 0.053816114365915664 | 0.033767672004300926 | 0.00011921766973931707 | 0 | 0 | 0.03697399229952735
S-Total | 0.0926747880325968 | 0.2552621695947258 | 0.28211009933568043 | 0.2180736867427504 | 0.2567962061598811 | 0.318892441203485 | - | 0 | 0.21819604576496335
(2) Commerce de détail
Produits pétroliers | 0.006329144850030787 | 0.0035472086993540357 | 0.0049491531198856305 | 0.002935389514236512 | 0.003414711953269326 | 0.004921332734671614 | 0 | 0 | 0.003929800526094779
Produits pharmaceutiques | 0 | 0 | 0.00016735015576495866 | 4.033390955704372e-06 | 0.00011948320345943267 | 0.0002639868629643101 | 0 | 0 | 7.838054858786884e-05
Véhicules automobiles | 0.0009759092423466119 | 0 | 0.0029697923915477263 | 0.026763645427932428 | 0.06175739410863935 | 0.041780225197737365 | 0 | 0 | 0.030933077410784018
Produits alimentaires | 0.004118916458594191 | 0 | 0.040575592508101846 | 0.012568384424398846 | 0.03740677163923092 | 0.009819710089955027 | 0 | 0 | 0.020883675535285588
Librairie ,papeterie | 8.520905560524141e-06 | 0 | 0 | 0.0006736717254086256 | 0.0031297366051686697 | 0 | 0 | 0 | 0.001152268400113327
Appareils électro- ménagers électroni.équip. inform. | 8.915472048858136e-05 | 0 | 0.0032573078866996036 | 0.005824099583019744 | 0.034964835222052605 | 0.031202645990064146 | 0 | 0 | 0.015478797848616594
Matériaux de construction | 0.002405083964488588 | 0 | 0.0015908781624032282 | 0.001889248058511145 | 0.022959973566560075 | 1.2980720487375499e-06 | 0 | 0 | 0.008086319694481595
Autres | 0.017899581959803623 | 0.3313935629170095 | 0.021961269890319237 | 0.09698827005796594 | 0.027406433522224678 | 0.009300207992133956 | 0 | 0 | 0.046116913547384314
S-Total | 0.031826312101312905 | 0.33494077161636354 | 0.07547134411472223 | 0.14764674218242893 | 0.19115933982060507 | 0.09728940693957516 | - | 0 | 0.12665923351134808
[Secteur d'activitéjuin 22 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2022
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3329398.109839005 | 794230.74925 | 6129467.49461343 | 18019418.890203744 | 22337601.502550006 | 6091693 | 0 | 38666.6668 | 0 | 56740476.41325618
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6675272.22 | 26059.50366 | 1176874.3035245002 | 2435847.289687921 | 5139872.05397 | 3579269 | 155850.25830619 | 82621.92022 | 0 | 19271666.54936861
Industries Manufacturières ( 200 à 290 ) | 3147790.61 | 2130.53024 | 3308597.70511741 | 10662198.195298728 | 12756043.473059999 | 2323170 | 5012.76662 | 58000.000199999995 | 0 | 32262943.280536138
Prêts aux Particuliers ( 1560 ) | 3781417.83 | 27047.5888 | 755470.6479719443 | 3972103.01756411 | 1986958.99277 | 343333 | 53157.280887469984 | 0 | 0 | 10919488.357993523
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5383135.25 | 261106.72528 | 3704803.7450086307 | 7158062.24067759 | 5092601.44837 | 1563326 | 4936805.507934271 | 0 | 0 | 28099840.917270493
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2010141.3 | 132174.76106 | 384129.5023662599 | 352561.72114186507 | 916613.15446 | 70445 | 0 | 0 | 0 | 3866065.439028125
Bâtiments et Travaux Publics ( 600 ) | 787695.19 | 102941.07917 | 1072816.36121677 | 6338955.723570005 | 1456127.28192 | 572306 | 0 | 44488.72627 | 0 | 10375330.362146774
Électricité, Gaz et Eau ( 300 à 500 ) | 1696853.76 | 0 | 485620.26489552506 | 321467.40206379 | 169847.78894000003 | 93550 | 0 | 0 | 0 | 2767339.215899315
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 123678.534959365 | 10406.40085506 | 10000 | 0 | 0 | 0 | 0 | 144084.935814425
Total | 26811704.269839007 | 1345690.93746 | 17141458.55967384 | 49271020.881062806 | 49865665.696040004 | 14637092 | 5150825.813747931 | 223777.31348999997 | 0 | 164447235.47131357
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.12417704135220929 | 0.5902029412110893 | 0.3575814434504026 | 0.3657204289251791 | 0.44795554598048626 | 0.41618191646264163 | 0 | 0.1727908258301971 | #DIV/0! | 0.3450375815113905
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24896859046402134 | 0.019365147623857434 | 0.06865660232047915 | 0.049437727210237946 | 0.10307436955320089 | 0.24453416020067373 | 0.030257334249241014 | 0.3692149080326329 | #DIV/0! | 0.11719057784179283
Industries Manufacturières ( 200 à 290 ) | 0.11740360024562142 | 0.0015832240380702787 | 0.19301727992395326 | 0.21639897052339577 | 0.2558081456450505 | 0.1587180021824007 | 0.0009731966875332027 | 0.2591862387452956 | #DIV/0! | 0.19619024417205322
Prêts aux Particuliers ( 1560 ) | 0.14103608602955495 | 0.020099406221054363 | 0.04407271676105952 | 0.08061742879556973 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | #DIV/0! | 0.0664011670776815
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20077557158705464 | 0.19403171858527976 | 0.21613118464285017 | 0.14527935716933305 | 0.10212641057300516 | 0.10680577808761467 | 0.9584493218073064 | 0 | #DIV/0! | 0.17087451082248367
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.07497252989849086 | 0.09822074101909364 | 0.022409382552190996 | 0.007155559491915689 | 0.018381648809168333 | 0.004812772919648247 | 0 | 0 | #DIV/0! | 0.023509458386137036
Bâtiments et Travaux Publics ( 600 ) | 0.029378781075326613 | 0.07649682130155526 | 0.0625860604266562 | 0.12865484843254724 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | #DIV/0! | 0.06309215434610735
Électricité, Gaz et Eau ( 300 à 500 ) | 0.0632877993477208 | 0 | 0.028330160073890776 | 0.00652447212002756 | 0.003406106918843123 | 0.00639129685049462 | 0 | 0 | #DIV/0! | 0.016828128535989004
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007215169848517156 | 0.00021120733179408658 | 0.000200538784761358 | 0 | 0 | 0 | #DIV/0! | 0.0008761773063649914
Total | 0.9999999999999999 | 1 | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002
[Secteur d' activitémars 22 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976
200 | Industrie alimentaire | 1605868.49 | 755.6581600000001 | 992357.2937635999 | 1425543.2072053596 | 4284529.67234 | 871821 | 5943.5138099999995 | 29000.000099999997 | 0 | 9215818.83537896
210 | Industrie des boissons | 765181.12 | 0 | 1403617.1605545601 | 3273172.0407628 | 2416220.00723 | 238303 | 0 | 0 | 0 | 8096493.32854736
220 | Industrie du bois | 54614.82 | 0 | 592.36105744 | 0 | 0 | 4558 | 0 | 0 | 0 | 59765.18105744
230 | Industrie chimique | 167.5 | 0 | 10614.949359999999 | 371559.72717008 | 111177.98531999999 | 70895 | 0 | 29000.000099999997 | 0 | 593415.16195008
240 | Industrie du textile | 926.1 | 0 | 466517.95370952005 | 1721947.5989116 | 93738.60612000001 | 131512 | 0 | 0 | 0 | 2414642.2587411203
250 | Industrie pharmacie | 0 | 0 | 43559.46534 | 37499.999950000005 | 158931.05851 | 38004 | 0 | 0 | 0 | 277994.5238
260 | Imprimerie, édition | 9697.55 | 0 | 490.86500567999997 | 114213.97331304 | 131528.511 | 21240 | 0 | 0 | 0 | 277170.89931872
270 | Sidérurgie, aciérie | 23044.7 | 0 | 62712.703747199994 | 590363.4978812799 | 0 | 625257 | 0 | 0 | 0 | 1301377.9016284798
280 | Industrie de la fabrication | 1471.38 | 1463.65172 | 185432.18689728 | 2326071.67430944 | 740105.1583400001 | 69672 | 0 | 0 | 0 | 3324216.05126672
290 | Autres industries | 0 | 0 | 11855.68317728 | 9869.48194224 | 2608620.36303 | 211776 | 0 | 0 | 0 | 2842121.52814952
300 | Production et distribution de l'électricité | 1532976.01 | 0 | 333373.89535 | 393121.56418352004 | 0 | 3793 | 0 | 0 | 0 | 2263264.4695335203
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 82464.18302 | 179312 | 0 | 0 | 0 | 261776.18302
500 | Traitement et distribution de l'eau | 0 | 0 | 479629.18235464 | 184159.85203367998 | 30696.79721 | 12649 | 0 | 0 | 0 | 707134.8315983199
600 | Entrep/ batiment et corps/ métiers corresp. | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024
700 | Commerce de gros(1) | 3068985.4299999997 | 318021.94368 | 4418960.48127512 | 10092358.923678879 | 12167989.0131 | 3432976 | 0 | 38666.666800000006 | 0 | 33537958.458533995
800 | Commerce de détail(2) | 737354.96 | 433318.83444999997 | 933224.2341565599 | 7191232.00337737 | 8951983.784030002 | 1265434 | 0 | 0 | 0 | 19512547.816013932
900 | Rest/débits/boissons, casinos/activités/loterie | 24795.75 | 0 | 1285.90793664 | 427.06474 | 8968.365730000001 | 10127 | 0 | 0 | 0 | 45604.08840664
1000 | Hotels,motels et pensions | 2192040.36 | 0 | 68970.983322 | 359833.497942 | 1110743.1417999999 | 246616 | 157238.13318696004 | 0 | 0 | 4135442.11625096
1100 | Transport | 920747.52 | 128961.34726000001 | 307927.53131016006 | 281939.45264264 | 823599.00015 | 37138 | 0 | 0 | 0 | 2500312.8513628
1200 | Immobilier résidentiel / Avance Hypothécaire | 2398774.37 | 210405.09181 | 1662768.3216169602 | 481695.9095548802 | 3138080.48398 | 1331951 | 3655625.7513001584 | 0 | 0 | 12879300.928261999
1300 | Immobilier commercial | 3302473.18 | 48417.51509 | 1687550.5935830404 | 6468829.365071842 | 1659398.7390899998 | 126846 | 1072790.5891846397 | 0 | 0 | 14366305.982019523
1400 | Télécommunications | 1297941.57 | 0 | 7994.835871519999 | 33447.34859616 | 66948.63506 | 29967 | 0 | 0 | 0 | 1436299.3895276801
1500 | Services financiers | 362471.39 | 0 | 244686.33605736 | 1054626.0147484 | 3011320.14783 | 2239715 | 0 | 0 | 0 | 6912818.88863576
1510 | Services professionnels | 513325.09 | 6874.63521 | 238713.90092736 | 179521.71209224008 | 249714.22431000002 | 616085 | 0 | 42159.9734441424 | 0 | 1846394.5359837424
1520 | Services médicaux | 9166.77 | 0 | 22729.691506159998 | 2577.99479 | 28292.02048 | 40331 | 0 | 0 | 0 | 103097.47677616
1530 | Services d'agence ou de représentation | 14.38 | 775.39098 | 20827.09445168 | 16267.045146400002 | 66333.69965 | 183 | 0 | 0 | 0 | 104400.61022808
1540 | Services d'enseignement | 435833.99 | 0 | 4798.82072448 | 30990.765940000005 | 74457.76887 | 1751 | 0 | 0 | 0 | 547832.34553448
1550 | Autres services | 3186191.95 | 11092.08531 | 511858.08744960005 | 594676.2793248259 | 1716546.5301199998 | 344915 | 0 | 36137.120094979204 | 0 | 6401417.0522994045
1560 | Crédit à la consommation | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 27084989.479999993 | 1280897.4307999995 | 15983184.363910321 | 46801438.45946611 | 46984023.285190016 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208
(1) Commerce de gros
Import-export | 843081.9400000001 | 38471.60732 | 975704.02633208 | 1295099.45394944 | 2482605.69591 | 261303 | 0 | 5896265.72351152
Produits pétroliers | 532349.13 | 0 | 872375.3303851999 | 3355741.746343599 | 683554.0143200001 | 1449691 | 0 | 6893711.221048799
Produits pharmaceutiques | 0 | 0 | 21206.78418744 | 144640.17159248 | 95857.68712999999 | 11952 | 0 | 273656.64290992
Produits alimentaires | 293742.77 | 8040.253549999999 | 1157187.82677184 | 2635470.901138 | 2651229.68458 | 1135981 | 0 | 7881652.436039841
Matériaux de construction | 123836.72 | 167191.63902 | 850722.4706471201 | 114961.22336096001 | 4483629.58922 | 560830 | 0 | 6301171.642248081
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.9706794400000005 | 0 | 0 | 0 | 0 | 2.9706794400000005
Autres | 1275974.87 | 104318.44379 | 541761.0722719999 | 2546445.427294399 | 1771112.34194 | 13177 | 0 | 0 | 6252789.155296399
S-Total | 3068985.43 | 318021.94368 | 4418960.481275121 | 10092358.923678879 | 12167989.013100002 | 3432934 | 0 | 0 | 0 | 33499249.791734003
(2) Commerce de détail
Produits pétroliers | 146878.18 | 4773.446599999999 | 83243.4338 | 87599.21272 | 144986.67606 | 50625 | 518105.94918
Produits pharmaceutiques | 0 | 0 | 1004.13114 | 492.85256 | 6080.81138 | 3176 | 0 | 10753.79508
Véhicules automobiles | 26554.24 | 0 | 47313.7431712 | 1353845.89952488 | 2715771.74416 | 564051 | 0 | 4707536.626856079
Produits alimentaires | 99769.96 | 0 | 636568.0090797599 | 561687.7482310398 | 1802195.72278 | 132666 | 0 | 3232887.4400907997
Librairie ,papeterie | 228.45 | 0 | 0 | 32767.336429439998 | 122572.20153 | 114 | 0 | 155681.98795944
Appareils électro- ménagers électroni.équip. inform. | 2998.38 | 0 | 59696.08921056 | 276617.76466384 | 1516975.64813 | 411313 | 0 | 2267600.8820044002
Matériaux de construction | 28217.62 | 0 | 27764.122664159997 | 140465.05538448 | 1102725.83049 | 39 | 0 | 1299211.62853864
Autres | 432708.13999999996 | 428545.38785 | 77634.70509087999 | 4737756.133863685 | 1540675.1495 | 103493 | 0 | 0 | 7320812.516304565
S-Total | 737354.97 | 433318.83445 | 933224.2341565599 | 7191232.003377365 | 8951983.78403 | 1265477 | 0 | 0 | 0 | 19512590.826013926
[Secteur d'activitésmars. 22 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 Mars 2022
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007251663637137929 | 0.0003737739641799795 | 0.000212838307594491 | 0 | 0 | 0 | 0.0009173546809406942
200 | Industrie alimentaire | 0.05928998020050183 | 0.0005899443170309468 | 0.06208758349833722 | 0.030459388730968113 | 0.09119120442992247 | 0.06679366197199285 | 0.00120985834673208 | 0.13356439467937362 | 0.05895608177094257
210 | Industrie des boissons | 0.028251113797368187 | 0 | 0.08781836764167576 | 0.06993742390199471 | 0.051426417711478205 | 0.018257337261790907 | 0 | 0 | 0.05179545423606417
220 | Industrie du bois | 0.00201642389561674 | 0 | 3.7061516901321506e-05 | 0 | 0 | 0.00034920644406173217 | 0 | 0 | 0.0003823340024818024
230 | Industrie chimique | 6.184237218319202e-06 | 0 | 0.0006641323229661494 | 0.007939066391984538 | 0.0023662934237273963 | 0.005431546917893045 | 0 | 0.13356439467937362 | 0.0037962370394846656
240 | Industrie du textile | 3.419237067394277e-05 | 0 | 0.02918804808151418 | 0.03679262124395916 | 0.0019951166282847397 | 0.0100756555224762 | 0 | 0 | 0.01544711858998486
250 | Industrie pharmacie | 0 | 0 | 0.0027253308444815487 | 0.0008012574225144402 | 0.003382661751746943 | 0.002911637055752977 | 0 | 0 | 0.0017784060396357712
260 | Imprimerie, édition | 0.0003580414903672321 | 0 | 3.071133977459225e-05 | 0.0024403945065055786 | 0.0027994305681663394 | 0.0016272805774179885 | 0 | 0 | 0.0017731370914137764
270 | Sidérurgie, aciérie | 0.0008508292025373164 | 0 | 0.003923667669679385 | 0.01261421694105798 | 0 | 0.04790341676057623 | 0 | 0 | 0.008325265866638683
280 | Industrie de la fabrication | 5.4324554974868704e-05 | 0.001142676755222984 | 0.011601704808960459 | 0.04970085858202861 | 0.01575227293430384 | 0.005337848040954147 | 0 | 0 | 0.02126590776615474
290 | Autres industries | 0 | 0 | 0.000741759771228684 | 0.0002108798846169607 | 0.05552143432238319 | 0.016224998661170994 | 0 | 0 | 0.018181818914808256
300 | Production et distribution de l'électricité | 0.05659873012437295 | 0 | 0.02085778952176457 | 0.008399775244600562 | 0 | 0.0002905967622479487 | 0 | 0 | 0.014478713993687173
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0017551537151139162 | 0.013737802961298227 | 0 | 0 | 0.0016746529339926766
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030008362003108226 | 0.003934918628477147 | 0.0006533454366747693 | 0.0009690900199510422 | 0 | 0 | 0.004523732475593737
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03242040099917366 | 0.07504916333539735 | 0.05907656776526549 | 0.11794506848434527 | 0.02937377930052715 | 0.040944800329072294 | 0 | 0.1941748728740641 | 0.06010334583916316
700 | Commerce de gros(1) | 0.11330945623095735 | 0.24828056957017683 | 0.27647559964665336 | 0.21564206690825735 | 0.25898141883765646 | 0.2630138967769348 | 0 | 0.17808585957249817 | 0.21455137699986035
800 | Commerce de détail(2) | 0.027223749174592634 | 0.33829315605650456 | 0.058387878967582935 | 0.15365408073099224 | 0.1905325078206273 | 0.09694991385142913 | 0 | 0 | 0.12482703763490809
900 | Rest/débits/boissons, casinos/activités/loterie | 0.0009154794030217214 | 0 | 8.0453801155141e-05 | 9.125034487345366e-06 | 0.0001908811783861632 | 0.0007758696048734448 | 0 | 0 | 0.00029174166866970574
1000 | Hotels,motels et pensions | 0.08093192584101386 | 0 | 0.004315221657439863 | 0.007688513639461004 | 0.02364086904728997 | 0.01889422913750069 | 0.032007306442317175 | 0 | 0.026455539970981407
1100 | Transport | 0.033994752727517036 | 0.10068046368041794 | 0.019265718538882256 | 0.006024162118154183 | 0.017529341732844095 | 0.002845289363660511 | 0 | 0 | 0.01599517650585655
1200 | Immobilier résidentiel | 0.08856471484957729 | 0.16426380969363724 | 0.10403235574079059 | 0.010292331291741567 | 0.06679037393056045 | 0.10204604483862839 | 0.7441371332052524 | 0 | 0.08239236602223936
1300 | Immobilier commercial | 0.12193001523735504 | 0.037799681633962114 | 0.10558287730156529 | 0.13821860135077643 | 0.03531836192523479 | 0.009718174770393698 | 0.21837665228217285 | 0 | 0.09190513890863568
1400 | Télécommunications | 0.04792106605610542 | 0 | 0.000500202943887212 | 0.000714664969648917 | 0.0014249234181931605 | 0.002295890633874052 | 0 | 0 | 0.009188395059533174
1500 | Services financiers | 0.01338274066038146 | 0 | 0.015308985399045785 | 0.022534051291218174 | 0.06409242838893296 | 0.1715934424883112 | 0 | 0 | 0.04422316919919872
1510 | Services professionnels | 0.01895238284582122 | 0.005367045826383122 | 0.01493531548483985 | 0.003835816120218626 | 0.0053148752884411505 | 0.04720071349051607 | 0 | 0.1941748728740641 | 0.01181188445534399
1520 | Services médicaux | 0.0003384446579449069 | 0 | 0.001422100314220434 | 5.508366569187303e-05 | 0.0006021625757391878 | 0.003089917748015296 | 0 | 0 | 0.0006595423998418042
1530 | Services d'agence ou de représentation | 5.309213802951052e-07 | 0.0006053497816103202 | 0.001303062892692843 | 0.00034757575155491425 | 0.0014118352369987279 | 1.4020355257414872e-05 | 0 | 0 | 0.0006678788964377345
1540 | Services d'enseignement | 0.016091347952039158 | 0 | 0.0003002418426277827 | 0.0006621755005851061 | 0.0015847465513552576 | 0.0001341510494848822 | 0 | 0 | 0.0035046314534860263
1550 | Autres services | 0.1176368169665614 | 0.008659620234441652 | 0.03202478778918201 | 0.012706367558336148 | 0.03653468583779367 | 0.02642530510170082 | 0 | 0.16643560532062637 | 0.040951593550911075
1560 | Crédit à la consommation | 0.13892635560292643 | 0.01926851911521533 | 0.05005244725663911 | 0.08606574014164287 | 0.03962063970002291 | 0.024148261502762967 | 0.004269049723525499 | 0 | 0.06917496603310959
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1.0000000000000002 | 1.0000000000000004 | 1 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999998 | 1 | 1 | 1
(1) Commerce de gros
Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867
Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875
Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486
Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796
Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524
S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681
(2) Commerce de détail
Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693
Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05
Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694
Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145
Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898
Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652
Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351
S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964
[Secteur d'activitémars 22 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31MARS 2022
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3806340.3899999997 | 751340.77813 | 5352184.71543168 | 17283590.92705625 | 21119972.797130004 | 4698410 | 0 | 38666.666800000006 | 0 | 53050506.27454793
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6723839.68 | 18742.1115 | 1113870.8223752799 | 2238920.374723866 | 6266375.89879 | 3499723 | 157238.13318696004 | 78297.0935391216 | 0 | 20097007.114115227
Industries Manufacturières ( 200 à 290 ) | 2460971.6599999997 | 2219.3098800000002 | 3177750.6226125597 | 9870241.20144584 | 10544851.36189 | 2283038 | 5943.5138099999995 | 58000.000199999995 | 0 | 28403015.669838402
Prêts aux Particuliers ( 1560 ) | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5701247.550000001 | 258822.6069 | 3350318.9152000006 | 6950525.274626723 | 4797479.223069999 | 1458797 | 4728416.340484798 | 0 | 0 | 27245606.910281524
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2218689.09 | 128961.34726000001 | 315922.36718168005 | 315386.8012388 | 890547.63521 | 67105 | 0 | 0 | 0 | 3936612.24089048
Bâtiments et Travaux Publics ( 600 ) | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024
Électricité, Gaz et Eau ( 300 à 500 ) | 1532976.01 | 0 | 813003.07770464 | 577281.4162172 | 113160.98023 | 195754 | 0 | 0 | 0 | 3232175.4841518397
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976
Total | 27084989.480000004 | 1280897.4307999997 | 15983184.36391032 | 46801438.4594661 | 46984023.28519 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.14053320540554992 | 0.5865737256266813 | 0.3348634786142363 | 0.3692961476392497 | 0.44951392665828394 | 0.35996381062836397 | 0 | 0.17808585957249817 | #DIV/0! | 0.3393784146347684
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24824966924816388 | 0.014632015842435089 | 0.0696901691812037 | 0.0478387085615532 | 0.13337248410493716 | 0.2681276489756598 | 0.032007306442317175 | 0.3606104781946905 | #DIV/0! | 0.12856598159487045
Industries Manufacturières ( 200 à 290 ) | 0.09086108974925838 | 0.0017326210722539304 | 0.1988183674955193 | 0.21089610760563016 | 0.22443483177001317 | 0.17491258921408706 | 0.00120985834673208 | 0.26712878935874723 | #DIV/0! | 0.18170176131760932
Prêts aux Particuliers ( 1560 ) | 0.13892635560292638 | 0.019268519115215328 | 0.05005244725663912 | 0.08606574014164288 | 0.03962063970002292 | 0.024148261502762967 | 0.004269049723525499 | 0 | #DIV/0! | 0.06917496603310959
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.21049473008693226 | 0.20206349132759932 | 0.2096152330423559 | 0.14851093264251802 | 0.10210873585579526 | 0.1117642196090221 | 0.9625137854874253 | 0 | #DIV/0! | 0.17429750493087506
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08191581878362242 | 0.10068046368041793 | 0.01976592148276947 | 0.006738827087803101 | 0.01895426515103726 | 0.005141179997534563 | 0 | 0 | #DIV/0! | 0.025183571565389723
Bâtiments et Travaux Publics ( 600 ) | 0.03242040099917365 | 0.07504916333539734 | 0.0590765677652655 | 0.11794506848434529 | 0.02937377930052716 | 0.040944800329072294 | 0 | 0.1941748728740641 | #DIV/0! | 0.06010334583916316
Électricité, Gaz et Eau ( 300 à 500 ) | 0.05659873012437293 | 0 | 0.0508661515248728 | 0.01233469387307771 | 0.0024084991517886864 | 0.014997489743497218 | 0 | 0 | #DIV/0! | 0.020677099403273586
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00725166363713793 | 0.00037377396417997955 | 0.00021283830759449105 | 0 | 0 | 0 | #DIV/0! | 0.0009173546809406942
Total | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activitédéc. 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 755.6581600000001 | 117933.009497424 | 32394.8739943 | 15929.04593 | 0 | 0 | 0 | 0 | 167012.58758172402
200 | Industrie alimentaire | 1720411.28 | 0 | 1048336.621802648 | 1480825.671031854 | 3923345.73773 | 730415 | 6691.59237 | 0 | 0 | 8910025.902934503
210 | Industrie des boissons | 769557.62 | 0 | 1353953.8356847768 | 2721194.528337106 | 2606654.1565300003 | 235343 | 0 | 29000.000099999997 | 0 | 7715703.140651884
220 | Industrie du bois | 52273.57 | 0 | 822.717152339 | 0 | 0 | 3146 | 0 | 0 | 0 | 56242.287152339
230 | Industrie chimique | 200.8 | 0 | 11526.90323 | 394273.98041547695 | 17593.20595 | 67958 | 0 | 29000.000099999997 | 0 | 520552.8896954769
240 | Industrie du textile | 926.1 | 0 | 467750.91108222003 | 1719494.0931790888 | 41989.5835 | 306993 | 0 | 0 | 0 | 2537153.687761309
250 | Industrie pharmacie | 0 | 0 | 44535.07586 | 49999.99996 | 57747.94593 | 61866 | 0 | 0 | 0 | 214149.02175
260 | Imprimerie, édition | 563.63 | 0 | 282.56783431499997 | 105701.107026279 | 95660.85068 | 23093 | 0 | 0 | 0 | 225301.15554059402
270 | Sidérurgie, aciérie | 21997.87 | 0 | 61141.04298866299 | 586987.6305431421 | 0 | 609876 | 0 | 0 | 0 | 1280002.543531805
280 | Industrie de la fabrication | 1335.95 | 1596.46617 | 204539.16144113397 | 2316445.6420845306 | 763809.26727 | 65465 | 0 | 0 | 0 | 3353191.4869656647
290 | Autres industries | 0 | 0 | 7972.265220512 | 13894.979753988 | 2103637.0977000003 | 110775 | 0 | 0 | 0 | 2236279.3426745003
300 | Production et distribution de l'électricité | 1462036.23 | 0 | 331550.49761 | 460121.66763647 | 0 | 6036 | 0 | 0 | 0 | 2259744.39524647
400 | Production et distribution de gaz | 0 | 0 | 0 | 1332.50039 | 110246.93392 | 175630 | 0 | 0 | 0 | 287209.43431
500 | Traitement et distribution de l'eau | 0 | 0 | 479359.80710776494 | 237352.02164441702 | 29237.14804 | 12433 | 0 | 0 | 0 | 758381.976792182
600 | Entrep/ batiment et corps/ métiers corresp. | 896575.31 | 93155.59782 | 1768204.822061115 | 5463597.210064706 | 1158457.90772 | 469449 | 0 | 41151.932520143346 | 0 | 9890591.780185966
700 | Commerce de gros(1) | 3140587.02 | 315886.49717 | 4062757.8947041477 | 9058898.885578278 | 13349944.726460002 | 2438573 | 0 | 38666.666800000006 | 0 | 32405314.69071243
800 | Commerce de détail(2) | 761574.8700000001 | 420280.00201999996 | 903073.706494738 | 7319485.851775953 | 7642412.660729999 | 1260547 | 0 | 0 | 0 | 18307374.09102069
900 | Rest/débits/boissons, casinos/activités/loterie | 15887.65 | 0 | 1426.8733393930002 | 3331.5931800000003 | 9489.8336 | 12585 | 0 | 0 | 0 | 42720.950119393
1000 | Hotels,motels et pensions | 2184391.75 | 0 | 74492.258058066 | 360138.44536486303 | 1151241.48952 | 257306 | 158531.075076086 | 0 | 0 | 4186101.0180190154
1100 | Transport | 888457.13 | 127611.469 | 289814.07271911297 | 345511.93133759295 | 695406.02554 | 41583 | 0 | 0 | 0 | 2388383.628596706
1200 | Immobilier résidentiel / Avance Hypothécaire | 2374284.5999999996 | 211081.46713 | 1682667.3559601528 | 443435.604702511 | 3130357.3874399997 | 1317466 | 3685024.984020527 | 0 | 0 | 12844317.39925319
1300 | Immobilier commercial | 3281487.74 | 49213.73556 | 1481449.4350384418 | 6507898.229504181 | 1777777.21905 | 124098 | 1068425.6341723513 | 0 | 0 | 14290349.993324975
1400 | Télécommunications | 1299356.2 | 0 | 8630.614311033998 | 31429.507941423 | 71635.07688000001 | 28870 | 0 | 0 | 0 | 1439921.399132457
1500 | Services financiers | 454678.8 | 0 | 221272.56872672698 | 1160407.23288199 | 1383907.30604 | 2249807 | 0 | 0 | 0 | 5470072.907648717
1510 | Services professionnels | 463821.8 | 6869.645030000001 | 204185.072982095 | 145054.97078065804 | 208071.37369 | 634802 | 0 | 41151.932520143346 | 0 | 1703956.7950028966
1520 | Services médicaux | 9529.09 | 0 | 20028.541865434 | 3608.80506 | 31282.79637 | 58489 | 0 | 0 | 0 | 122938.233295434
1530 | Services d'agence ou de représentation | 982.17 | 775.39098 | 16574.26769432 | 18633.614519274997 | 29915.74833 | 631 | 0 | 0 | 0 | 67512.191523595
1540 | Services d'enseignement | 354492.03 | 0 | 22089.862784611003 | 42476.35982138799 | 68405.13027 | 2105 | 0 | 0 | 0 | 489568.38287599897
1550 | Autres services | 3512824.75 | 10279.719539999998 | 198295.32135562904 | 619755.3937044345 | 1586267.94 | 1000463 | 0 | 35273.08501726572 | 0 | 6963159.20961733
1560 | Crédit à la consommation | 3940276.150000001 | 23845.48137 | 814307.8134983567 | 4087499.092119616 | 1682765.9938499997 | 328443 | 61418.82507620502 | 0 | 0 | 10938556.35591418
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 27608510.110000007 | 1261351.1299499997 | 15898974.898105172 | 45731181.42433353 | 43743189.588669986 | 12634246 | 4980092.110715169 | 214243.61705755242 | 0 | 152071788.87883142
(1) Commerce de gros
Import-export | 893420.26 | 39152.85997 | 1190873.7224201378 | 1161544.174482765 | 2592951.77355 | 0 | 5877942.790422902
Produits pétroliers | 476432.56 | 0 | 630097.7624278101 | 2461092.6891275537 | 903168.39181 | 0 | 4470791.403365364
Produits pharmaceutiques | 0 | 0 | 21120.877911851 | 113282.196833026 | 72240.25612 | 0 | 206643.330864877
Produits alimentaires | 338941.94 | 12331.749619999999 | 1110685.7757976442 | 2786113.2249264973 | 3004472.36723 | 0 | 7252545.057574142
Matériaux de construction | 111211.41 | 159917.42 | 815179.189119247 | 277103.229456392 | 4887159.38674 | 0 | 6250570.635315639
Appareils électroménagers électron.,équipe.inform. | 75304.51975 | 0 | 75304.51975
Autres | 1320580.86 | 104484.46758 | 294800.567027457 | 2259763.3707520454 | 1814648.03126 | 0 | 0 | 0 | 5794277.296619503
S-Total | 3140587.0300000003 | 315886.49717 | 4062757.8947041472 | 9058898.88557828 | 13349944.726460002 | 0 | 0 | 0 | 0 | 29928075.033912428
(2) Commerce de détail
Produits pétroliers | 110514.29 | 4834.70675 | 95527.25216 | 108715.28666000001 | 90183.49093999999 | 409775.02651
Produits pharmaceutiques | 0 | 0 | 1018.10312 | 2774.6951799999997 | 5986.179190000001 | 0 | 9778.977490000001
Véhicules automobiles | 27291.89 | 0 | 69485.00245667 | 1480545.931597639 | 2804932.97106 | 0 | 4382255.795114309
Produits alimentaires | 95628.66 | 0 | 571662.0115911119 | 547419.6378292749 | 1880782.24862 | 0 | 3095492.558040387
Librairie ,papeterie | 253.45 | 0 | 0 | 35299.606833011 | 126111.70136 | 0 | 161664.758193011
Appareils électro- ménagers électroni.équip. inform. | 1342.42 | 0 | 56677.91050052099 | 236573.19763397495 | 832717.35092 | 0 | 1127310.879054496
Matériaux de construction | 26911.91 | 0 | 28245.015413495996 | 128390.495802435 | 532900.25914 | 0 | 716447.6803559309
Autres | 468824.19 | 0 | 80458.411252939 | 4779767.000239619 | 1369101.67548 | 0 | 0 | 0 | 6698151.276972557
S-Total | 730766.81 | 4834.70675 | 903073.7064947379 | 7319485.8517759545 | 7642715.8767099995 | 0 | 0 | 0 | 0 | 16600876.95173069
[Secteur d'activitésdéc. 21% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0.00015173577982104496 | 0.007417648637930686 | 0.0007083760573275439 | 0.0003641491642421479 | 0 | 0 | 0 | 0.0010982483260902336
200 | Industrie alimentaire | 0.0623145281344557 | 0 | 0.06593737197028897 | 0.032381093706971405 | 0.08969043580549037 | 0.0578123142449498 | 0.0013436683943259535 | 0 | 0.05859091925349732
210 | Industrie des boissons | 0.027873927891576465 | 0 | 0.08515981969668623 | 0.05950413795540302 | 0.05958994259543331 | 0.018627387815624296 | 0 | 0.13535992576250105 | 0.050737241914078114
220 | Industrie du bois | 0.0018933861259346307 | 0 | 5.174655332256992e-05 | 0 | 0 | 0.00024900575784261283 | 0 | 0 | 0.00036984037320131764
230 | Industrie chimique | 7.273119744598922e-06 | 0 | 0.0007250092099569115 | 0.008621556848861203 | 0.000402193029713518 | 0.005378872629201616 | 0 | 0.13535992576250105 | 0.003423073362477809
240 | Industrie du textile | 3.3544004957535165e-05 | 0 | 0.029420193067791197 | 0.037600036553268386 | 0.0009599113346520988 | 0.02429848207799658 | 0 | 0 | 0.016683920840721327
250 | Industrie pharmacie | 0 | 0 | 0.0028011287611572778 | 0.001093345905413129 | 0.0013201585543491648 | 0.004896691104479049 | 0 | 0 | 0.0014082100521657626
260 | Imprimerie, édition | 2.0415082079921764e-05 | 0 | 1.7772707745370185e-05 | 0.002311357453145427 | 0.0021868741529716277 | 0.0018278099065033243 | 0 | 0 | 0.0014815447178050274
270 | Sidérurgie, aciérie | 0.0007967785987854595 | 0 | 0.0038455965482371906 | 0.012835610457918466 | 0 | 0.04827165784171054 | 0 | 0 | 0.008417094011774219
280 | Industrie de la fabrication | 4.838906535257435e-05 | 0.0012656794227181485 | 0.012864927629108389 | 0.05065352719822697 | 0.01746121566470854 | 0.005181551791852082 | 0 | 0 | 0.022050056172071723
290 | Autres industries | 0 | 0 | 0.0005014326566087056 | 0.0003038403846394944 | 0.0480906197623245 | 0.008767836244442289 | 0 | 0 | 0.014705418797015238
300 | Production et distribution de l'électricité | 0.052955998863207024 | 0 | 0.020853577022095553 | 0.010061442834093055 | 0 | 0.00047774912725302325 | 0 | 0 | 0.014859721266559186
400 | Production et distribution de gaz | 0 | 0 | 0 | 2.9137676930668084e-05 | 0.0025203222480272743 | 0.013901106563858262 | 0 | 0 | 0.0018886437545549246
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030150359389830513 | 0.0051901572242811595 | 0.0006683817141576885 | 0.0009840713881936445 | 0 | 0 | 0.004986999774142525
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03247459955020368 | 0.0738538188202144 | 0.1112150206785878 | 0.11947203286459444 | 0.0264831604328198 | 0.03715686713714455 | 0 | 0.19208008661041542 | 0.06503896516971103
700 | Commerce de gros(1) | 0.11375431008363092 | 0.25043502135882006 | 0.25553583930674323 | 0.1980902002404435 | 0.3051891014805605 | 0.19301294275891098 | 0 | 0.1804799010166681 | 0.21309221736408002
800 | Commerce de détail(2) | 0.027584786972048594 | 0.3331982602153454 | 0.05680075050639684 | 0.160054597843415 | 0.17471091460393817 | 0.09977223809002927 | 0 | 0 | 0.12038639267673597
900 | Rest/débits/boissons, casinos/activités/loterie | 0.000575462056326081 | 0 | 8.974624770072779e-05 | 7.285167529538745e-05 | 0.0002169442532480069 | 0.0009961021813252647 | 0 | 0 | 0.00028092620225196683
1000 | Hotels,motels et pensions | 0.07912023290270913 | 0 | 0.004685349749620898 | 0.007875117898730551 | 0.02631818805042478 | 0.0203657582731886 | 0.03183296042556933 | 0 | 0.027527137340078504
1100 | Transport | 0.03218055325912695 | 0.10117045600542535 | 0.01822847539394837 | 0.0075552811140310126 | 0.015897469573643495 | 0.0032912925710010714 | 0 | 0 | 0.015705632492425896
1200 | Immobilier résidentiel | 0.08599828786632047 | 0.16734552506276926 | 0.10583495896711503 | 0.00969657006207496 | 0.07156216583371415 | 0.10427737436804697 | 0.7399511699978049 | 0 | 0.08446219705804443
1300 | Immobilier commercial | 0.11885783502715784 | 0.039016681708566626 | 0.09317892785748091 | 0.14230767775532108 | 0.04064123434452219 | 0.009822351092419761 | 0.2145393318877629 | 0 | 0.09397107838792715
1400 | Télécommunications | 0.047063611720552914 | 0 | 0.0005428409294527906 | 0.0006872664768878982 | 0.0016376281097378953 | 0.002285059195459705 | 0 | 0 | 0.009468695079793962
1500 | Services financiers | 0.016468791622164063 | 0 | 0.013917411037179389 | 0.02537452995396568 | 0.031637091831969395 | 0.17807212238862533 | 0 | 0 | 0.03597033314316564
1510 | Services professionnels | 0.01679995762726799 | 0.005446259068458055 | 0.012842656478841892 | 0.0031719051697945942 | 0.00475665756536174 | 0.05024454961538662 | 0 | 0.19208008661041542 | 0.011204950027651641
1520 | Services médicaux | 0.00034515046129014016 | 0 | 0.0012597379386906878 | 7.891344477883438e-05 | 0.0007151466700110644 | 0.004629401707074566 | 0 | 0 | 0.000808422352375886
1530 | Services d'agence ou de représentation | 3.557490049578049e-05 | 0.0006147304755898833 | 0.001042473983419856 | 0.0004074597230798867 | 0.0006838949928276044 | 4.9943621487186495e-05 | 0 | 0 | 0.0004439494795276442
1540 | Services d'enseignement | 0.012839955093107338 | 0 | 0.0013893891226436023 | 0.0009288270824944476 | 0.0015637892644142655 | 0.00016661065488197713 | 0 | 0 | 0.0032193241526610825
1550 | Autres services | 0.12723702713416718 | 0.00814976836815256 | 0.012472207964757636 | 0.013552140452130613 | 0.03626319788099912 | 0.07918660124236936 | 0 | 0.16464007423749893 | 0.04578863220426422
1560 | Crédit à la consommation | 0.1427196228373368 | 0.018904713210940116 | 0.05121762998666067 | 0.08938100798648208 | 0.03846921108573794 | 0.025996248608741668 | 0.01233286929453699 | 0 | 0.07193021425315027
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 0.9999999999999998 | 0.999552649496821 | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1
(1) Commerce de gros
Import-export | 0.03236032138063099 | 0.031040412966968228 | 0.07490254749455987 | 0.02539939136286359 | 0.05927669650824013 | 0 | 0 | 0 | 0.03865242089777981
Produits pétroliers | 0.017256728382001048 | 0 | 0.03963134519464551 | 0.053816512333049155 | 0.02064706301261423 | 0 | 0 | 0 | 0.029399216227591205
Produits pharmaceutiques | 0 | 0 | 0.0013284427484924308 | 0.0024771325232535676 | 0.0016514629316996836 | 0 | 0 | 0 | 0.0013588538175843214
Produits alimentaires | 0.012276719701626809 | 0.009776619156387351 | 0.06985895524182599 | 0.06092370977855404 | 0.06868434596292436 | 0 | 0 | 0 | 0.04769158771028112
Matériaux de construction | 0.004028156881950628 | 0.12678263506715942 | 0.0512724370183388 | 0.006059393630905533 | 0.11172389194056012 | 0 | 0 | 0 | 0.04110276259258055
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0.0017215141478733134 | 0 | 0 | 0 | 0.0004951905958704908
Autres | 0.04783238409962861 | 0.08283535416830505 | 0.01854211160888059 | 0.04941406061181763 | 0.04148412697664863 | 0 | 0 | 0 | 0.03810224986066481
S-Total | 0.11375431044583809 | 0.25043502135882006 | 0.25553583930674323 | 0.19809020024044355 | 0.30518910148056044 | 0 | - | 0 | 0.1968022817023523
(2) Commerce de détail
Produits pétroliers | 0.004002906696510614 | 0.0038329586704311663 | 0.00600839065236746 | 0.002377268272412326 | 0.0020616578669278977 | 0 | 0 | 0 | 0.002694615678102549
Produits pharmaceutiques | 0 | 0 | 6.403577126984059e-05 | 6.067403232499011e-05 | 0.00013684825560938277 | 0 | 0 | 0 | 6.430500727384582e-05
Véhicules automobiles | 0.0009885317929602682 | 0 | 0.0043704077087983306 | 0.03237497666766688 | 0.06412273538888237 | 0 | 0 | 0 | 0.028817020089150304
Produits alimentaires | 0.0034637385218901254 | 0 | 0.035955903777119755 | 0.011970380400843816 | 0.04299600157888681 | 0 | 0 | 0 | 0.020355468827336742
Librairie ,papeterie | 9.180140434604565e-06 | 0 | 0 | 0.0007718936124888325 | 0.0028830019608964332 | 0 | 0 | 0 | 0.0010630818469678364
Appareils électro- ménagers électroni.équip. inform. | 4.8623413384185686e-05 | 0 | 0.003564878293334234 | 0.00517312674341045 | 0.019036502796213193 | 0 | 0 | 0 | 0.007413017808008565
Matériaux de construction | 0.000974768645347954 | 0 | 0.001776530599898124 | 0.00280750445983708 | 0.012182473755366654 | 0 | 0 | 0 | 0.004711246481928256
Autres | 0.016981147774076676 | 0 | 0.005060603703609091 | 0.10451877365443064 | 0.03129862473116533 | 0 | 0 | 0 | 0.04404598200859955
S-Total | 0.026468896984604428 | 0.0038329586704311663 | 0.05680075050639683 | 0.16005459784341503 | 0.17471784633394807 | 0 | - | 0 | 0.10916473774736764
[Secteur d'activitédéc. 21 (gl]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2021
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3643469.17 | 716357.82894 | 3960366.6867929343 | 15350194.393599492 | 20929651.16951 | 3792476 | 0 | 85414.7308 | 0 | 48477929.97964243
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6860452.4 | 24556.88653 | 689334.927353312 | 1857308.6466746225 | 4747676.54499 | 3996538.76 | 179598.65541773205 | 38701.94451023381 | 0 | 18394168.765475903
Industries Manufacturières ( 200 à 290 ) | 2559975.1600000006 | 2473.17154 | 3236656.7834506314 | 9596419.195163121 | 10296707.221719999 | 2085963.91 | 9677.551660000001 | 89165.3762 | 0 | 27877038.369733755
Prêts aux Particuliers ( 1560 ) | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592887.94 | 262316.72138 | 3219761.680881584 | 7228454.036021367 | 4910083.47477 | 1452515 | 4781342.9900908675 | 0 | 0 | 27447361.84314382
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2309147.9299999997 | 127298.30116 | 298042.911278942 | 359473.84872118395 | 1297864.91766 | 61204 | 0 | 0 | 0 | 4453031.908820125
Bâtiments et Travaux Publics ( 600 ) | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861
Électricité, Gaz et Eau ( 300 à 500 ) | 1425799.17 | 0 | 791274.443475094 | 642952.040235598 | 71930.72667999999 | 188632.42 | 0 | 0 | 0 | 3120588.800390692
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022
Total | 27360915.450000003 | 1248027.16342 | 14929981.847159484 | 43409527.42254083 | 45393961.66712 | 12395485 | 5029973.546690851 | 251983.9960204676 | 0 | 150019856.09295166
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1331632772543069 | 0.5739921773633089 | 0.26526265921391035 | 0.35361348775312285 | 0.46106685560934146 | 0.3059562413249663 | 0 | 0.3389688716304909 | #DIV/0! | 0.3231434240918463
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25073913965111866 | 0.01967656414040392 | 0.04617118322112776 | 0.04278573753166906 | 0.10458828378552522 | 0.3224189097885238 | 0.035705685875005735 | 0.15358889898345057 | #DIV/0! | 0.12261156119279941
Industries Manufacturières ( 200 à 290 ) | 0.09356321299549208 | 0.001981664832696995 | 0.21678906354909092 | 0.22106711970746049 | 0.2268298875790382 | 0.16828417040559526 | 0.0019239766512026144 | 0.3538533304026081 | #DIV/0! | 0.18582232442924929
Prêts aux Particuliers ( 1560 ) | 0.1478932880515151 | 0.018590392188596965 | 0.053504069421217666 | 0.09572583822256372 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681861 | 0 | #DIV/0! | 0.07452900570188978
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20441157936475404 | 0.21018510579622876 | 0.21565744110359802 | 0.16651768552237037 | 0.10816600478222851 | 0.11718097355609725 | 0.9505702059281098 | 0 | #DIV/0! | 0.18295819338833091
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08439585781476473 | 0.1019996237991818 | 0.019962710894765517 | 0.008280989682797689 | 0.028591135692835477 | 0.004937604297048482 | 0 | 0 | #DIV/0! | 0.02968295014268675
Bâtiments et Travaux Publics ( 600 ) | 0.03372284570251833 | 0.07357447187958258 | 0.1217679804685701 | 0.09649662396007196 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | #DIV/0! | 0.05930750592378838
Électricité, Gaz et Eau ( 300 à 500 ) | 0.0521107991655301 | 0 | 0.05299902247541169 | 0.014811311673062324 | 0.0015845879944887304 | 0.015217832944818216 | 0 | 0 | #DIV/0! | 0.020801171802599175
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007885869652307845 | 0.0007012059468814729 | 0.0005160885122077589 | 0 | 0 | 0 | #DIV/0! | 0.0011438633268098725
Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1 | 1.0000000000000002 | #DIV/0! | 1
[Secteur d' activitésept. 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 septembre 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022
200 | Industrie alimentaire | 1725923 | 755.6581600000001 | 1101218.8537993599 | 1441207.8998994257 | 4446921.9990799995 | 647704.2 | 9677.551660000001 | 60165.376099999994 | 0 | 9433574.538698783
210 | Industrie des boissons | 771049.93 | 0 | 1346899.013809254 | 3335748.4929787177 | 2723746.88568 | 232127.31 | 0 | 0 | 0 | 8409571.632467972
220 | Industrie du bois | 51149.68 | 0 | 962.8797208020001 | 0 | 0 | 6475.83 | 0 | 0 | 0 | 58588.389720802
230 | Industrie chimique | 46.4 | 0 | 11223.323600000002 | 408880.7152732859 | 17803.6372 | 61739.8 | 0 | 29000.000099999997 | 0 | 528693.8761732859
240 | Industrie du textile | 0 | 0 | 469005.398232068 | 1907513.885113774 | 6328.416990000001 | 197993.15 | 0 | 0 | 0 | 2580840.850335842
250 | Industrie pharmacie | 0 | 0 | 46159.51654 | 62499.99997 | 88663.19294 | 75921.73 | 0 | 0 | 0 | 273244.43944999995
260 | Imprimerie, édition | 0 | 0 | 410.873918934 | 87698.55348195 | 109337.33653 | 22224.89 | 0 | 0 | 0 | 219671.65393088403
270 | Sidérurgie, aciérie | 10436.68 | 0 | 36548.54607461201 | 101516.45085 | 0 | 587963 | 0 | 0 | 0 | 736464.676924612
280 | Industrie de la fabrication | 1369.47 | 1717.5133799999999 | 213657.902917444 | 2238118.0746563803 | 367930.51833999995 | 96285 | 0 | 0 | 0 | 2919078.479293824
290 | Autres industries | 0 | 0 | 10570.474838158001 | 13235.122939588002 | 2535975.23496 | 157529 | 0 | 0 | 0 | 2717309.832737746
300 | Production et distribution de l'électricité | 1425799.17 | 0 | 331555.47832 | 440826.979893628 | 2434.795 | 4867 | 0 | 0 | 0 | 2205483.4232136277
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 46870.27244 | 175796 | 0 | 0 | 0 | 222666.27244
500 | Traitement et distribution de l'eau | 0 | 0 | 459718.96515509405 | 202125.06034197 | 22625.659239999997 | 7969.42 | 0 | 0 | 0 | 692439.104737064
600 | Entrep/ batiment et corps/ métiers corresp. | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861
700 | Commerce de gros(1) | 2890475.7800000003 | 306141.58816000004 | 3210527.2711612303 | 7948397.675164118 | 13190098.833150001 | 2723523 | 0 | 62040.698800000006 | 0 | 30331204.84643535
800 | Commerce de détail(2) | 752993.3899999999 | 410216.24078 | 749839.4156317039 | 7401796.718435373 | 7739552.33636 | 1068953 | 0 | 23374.032 | 0 | 18146725.13320708
900 | Rest/débits/boissons, casinos/activités/loterie | 135822.57 | 0 | 1584.93292389 | 4382.4981 | 11046.75601 | 16753 | 0 | 0 | 0 | 169589.75703389003
1000 | Hotels,motels et pensions | 2167734.5300000003 | 0 | 62536.688376305996 | 360233.35082 | 1169355.28454 | 272127.76 | 179598.65541773205 | 0 | 0 | 4211586.269154038
1100 | Transport | 859337.47 | 127298.30116 | 284956.101641328 | 297645.60229500796 | 681560.37578 | 30943 | 0 | 0 | 0 | 2281740.850876336
1200 | Immobilier résidentiel / Avance Hypothécaire | 2305279.2300000004 | 212300.89839 | 1685179.0719015982 | 575881.6484519719 | 3108512.08248 | 1328535 | 3688630.2771461615 | 0 | 0 | 12904318.208369732
1300 | Immobilier commercial | 3287608.71 | 50015.82299 | 1534582.608979986 | 6652572.387569395 | 1801571.39229 | 123980 | 1092712.7129447057 | 0 | 0 | 14543043.634774085
1400 | Télécommunications | 1449810.46 | 0 | 13086.809637614002 | 61828.246426175996 | 616304.54188 | 30261 | 0 | 0 | 0 | 2171291.05794379
1500 | Services financiers | 362275.06 | 0 | 235055.83570200801 | 713207.4704187119 | 2202899.06331 | 2123719 | 0 | 0 | 0 | 5637156.429430719
1510 | Services professionnels | 452440.05 | 7360.44085 | 200766.47033301 | 138622.89928444 | 200543.6393 | 615281 | 0 | 38701.94451023381 | 0 | 1653716.444277684
1520 | Services médicaux | 10130.16 | 0 | 20208.984651424 | 4067.56881 | 51920.874149999996 | 39159 | 0 | 0 | 0 | 125486.587611424
1530 | Services d'agence ou de représentation | 1017.61 | 775.39098 | 17776.199911518 | 18977.402595832 | 30108.52082 | 165 | 0 | 0 | 0 | 68820.12430735001
1540 | Services d'enseignement | 361981.27 | 0 | 22547.493567212 | 44545.02304078 | 67665.08784000001 | 2562 | 0 | 0 | 0 | 499300.874447992
1550 | Autres services | 3369051.15 | 16421.0547 | 128858.32188794398 | 573272.4336048584 | 1014137.3190199999 | 926772 | 0 | 0 | 0 | 6028512.279212803
1560 | Crédit à la consommation | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 27360915.45 | 1248027.1634199999 | 14929981.847159483 | 43409527.42254082 | 45393961.66712 | 12395485 | 5029973.5466908505 | 251983.9960204676 | 0 | 150019856.09295163
(1) Commerce de gros
Import-export | 719670.866680296 | 39135.98107 | 695475.6409186699 | 1172312.74932503 | 3115213.6538899997 | 0 | 5741808.891883995
Produits pétroliers | 341728.38847 | 0 | 682384.208935142 | 2200952.8133710423 | 871380.07635 | 0 | 4096445.4871261846
Produits pharmaceutiques | 0 | 0 | 22767.817037883997 | 52481.079748521995 | 65331.536340000006 | 0 | 140580.433126406
Produits alimentaires | 454907.627946444 | 8133.9889 | 1032360.043869012 | 2425426.068280332 | 3243761.68653 | 0 | 7164589.415525788
Matériaux de construction | 0 | 156201.85666 | 446724.97009194794 | 136190.967297058 | 3881093.27047 | 0 | 4620211.064519006
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1374168.894805964 | 102669.76153 | 330814.59030857397 | 1961033.9971421324 | 2013318.60957 | 0 | 0 | 0 | 5782005.853356671
S-Total | 2890475.777902704 | 306141.58816 | 3210527.27116123 | 7948397.675164116 | 13190098.83315 | 0 | 0 | 0 | 0 | 27545641.145538054
(2) Commerce de détail
Produits pétroliers | 140310.85195000004 | 4834.70288 | 79199.336063918 | 71423.94340999999 | 191796.94725 | 487565.78155391803
Produits pharmaceutiques | 0 | 0 | 956.0439299999999 | 2843.35281 | 6042.5089800000005 | 0 | 9841.90572
Véhicules automobiles | 28005.73441 | 0 | 25574.04872918 | 1259196.057769652 | 2903232.4510100004 | 0 | 4216008.291918833
Produits alimentaires | 93983.53403 | 0 | 473486.0725663021 | 549772.2543618999 | 1992763.59428 | 0 | 3110005.455238202
Librairie ,papeterie | 389.05395999999996 | 0 | 0 | 41098.737237292 | 122524.33037000001 | 0 | 164012.12156729202
Appareils électro- ménagers électroni.équip. inform. | 29184.83156 | 0 | 56373.681265527994 | 209133.254089614 | 762261.1493500001 | 0 | 1056952.9162651422
Matériaux de construction | 0 | 0 | 28708.773416314 | 143479.182217688 | 534431.45592 | 0 | 706619.411554002
Autres | 461119.388583442 | 405381.5379 | 85541.459660462 | 5124849.936539243 | 1226499.8991999999 | 0 | 0 | 0 | 7303392.221883147
S-Total | 752993.394493442 | 410216.24078 | 749839.415631704 | 7401796.718435389 | 7739552.33636 | 0 | 0 | 0 | 0 | 17054398.105700538
[Secteur d'activitéssept. 21%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007885869652307847 | 0.000701205946881473 | 0.0005160885122077589 | 0 | 0 | 0 | 0.0011438633268098727
200 | Industrie alimentaire | 0.0630798703776558 | 0.0006054821418543897 | 0.0737588876579159 | 0.033200266979894935 | 0.09796285311447091 | 0.05225323575479297 | 0.0019239766512026146 | 0.2387666560185553 | 0.06288217296284955
210 | Industrie des boissons | 0.028180706577929947 | 0 | 0.09021437719065341 | 0.0768436951756954 | 0.06000240529023663 | 0.018726763010886625 | 0 | 0 | 0.05605639047712084
220 | Industrie du bois | 0.0018694432974463945 | 0 | 6.449302689441606e-05 | 0 | 0 | 0.0005224345800103828 | 0 | 0 | 0.0003905375678036972
230 | Industrie chimique | 1.6958496905848229e-06 | 0 | 0.0007517305590117181 | 0.009419146891264487 | 0.0003922027632343803 | 0.004980829713399678 | 0 | 0.11508667438405275 | 0.003524159334253124
240 | Industrie du textile | 0 | 0 | 0.03141366165299786 | 0.04394228636829801 | 0.00013941098678293666 | 0.015973005493532522 | 0 | 0 | 0.017203328396320848
250 | Industrie pharmacie | 0 | 0 | 0.003091732931261542 | 0.0014397760971142537 | 0.001953193545656558 | 0.006124950334738818 | 0 | 0 | 0.0018213884919386866
260 | Imprimerie, édition | 0 | 0 | 2.7520054822583136e-05 | 0.002020260497846647 | 0.0024086317323829395 | 0.0017929826868412168 | 0 | 0 | 0.0014642838598297046
270 | Sidérurgie, aciérie | 0.00038144483941234507 | 0 | 0.002447996685378796 | 0.0023385753514857796 | 0 | 0.047433642168902626 | 0 | 0 | 0.004909114673915577
280 | Industrie de la fabrication | 5.0052053357008564e-05 | 0.0013761826908426057 | 0.01431066059588637 | 0.05155822252730205 | 0.00810527446443392 | 0.0077677476920023705 | 0 | 0 | 0.0194579474698681
290 | Autres industries | 0 | 0 | 0.0007080031942683907 | 0.0003048898185589446 | 0.055865915681839934 | 0.012708578970488044 | 0 | 0 | 0.01811300119534919
300 | Production et distribution de l'électricité | 0.05211079916553011 | 0 | 0.02220735977539587 | 0.010155074382697018 | 5.363697969026537e-05 | 0.0003926429663704163 | 0 | 0 | 0.014701276755305779
400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0010325221839791376 | 0.014182260718318001 | 0 | 0 | 0.0014842453408436614
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030791662700015827 | 0.004656237290365308 | 0.0004984288308193276 | 0.0006429292601297972 | 0 | 0 | 0.0046156497064497376
600 | Entrep/ batiment et corps/ métiers corresp. | 0.033722845702518336 | 0.07357447187958259 | 0.12176798046857011 | 0.09649662396007197 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | 0.05930750592378839
700 | Commerce de gros(1) | 0.10564250985249839 | 0.24530042064234614 | 0.21503892663955596 | 0.18310260781684612 | 0.2905694578912227 | 0.2197189541191813 | 0 | 0.24620888540461394 | 0.2021812687757964
800 | Commerce de détail(2) | 0.02752076740180855 | 0.3286917567209629 | 0.050223732574354425 | 0.1705108799362768 | 0.17049739771811884 | 0.08623728720578501 | 0 | 0.09275998622587692 | 0.12096215531604997
900 | Rest/débits/boissons, casinos/activités/loterie | 0.004964109123037402 | 0 | 0.00010615772611883938 | 0.00010095705620891751 | 0.00024335298361943686 | 0.001351540500432214 | 0 | 0 | 0.0011304487382577742
1000 | Hotels,motels et pensions | 0.07922741232695123 | 0 | 0.004188664729569244 | 0.008298485890287423 | 0.025760150504488655 | 0.02195378075162045 | 0.03570568587500574 | 0 | 0.02807352559080285
1100 | Transport | 0.03140748238378113 | 0.10199962379918183 | 0.019086165312085936 | 0.006856688380819658 | 0.015014340030023674 | 0.0024963121652763084 | 0 | 0 | 0.015209592318650003
1200 | Immobilier résidentiel | 0.08425446269196378 | 0.17010919682887876 | 0.11287214473219292 | 0.013266250121694247 | 0.06847853697536106 | 0.10717894459151861 | 0.7333299554970543 | 0 | 0.08601740159232171
1300 | Immobilier commercial | 0.12015711667279028 | 0.040075908967350034 | 0.10278529637140513 | 0.15325143540067615 | 0.03968746780686745 | 0.010002028964578635 | 0.2172402504310557 | 0 | 0.0969407917960092
1400 | Télécommunications | 0.052988375430983614 | 0 | 0.0008765455826795828 | 0.0014243013019780324 | 0.013576795662811801 | 0.0024412921317721733 | 0 | 0 | 0.01447335782403676
1500 | Services financiers | 0.013240604491543064 | 0 | 0.015743879537718847 | 0.0164297450989612 | 0.04852846022702653 | 0.1713300447703337 | 0 | 0 | 0.03757606877010976
1510 | Services professionnels | 0.016535998250014693 | 0.005897660776733417 | 0.013447201234957094 | 0.003193374991971433 | 0.004417848364295969 | 0.049637509141433354 | 0 | 0.15358889898345057 | 0.011023317095125386
1520 | Services médicaux | 0.00037024199787876616 | 0 | 0.0013535840068867116 | 9.370221358106458e-05 | 0.001143783715788957 | 0.0031591341524756797 | 0 | 0 | 0.0008364665243624355
1530 | Services d'agence ou de représentation | 3.71921035266384e-05 | 0.0006212933522017076 | 0.0011906377444725446 | 0.0004371713704945288 | 0.0006632714950237173 | 1.3311298428419702e-05 | 0 | 0 | 0.0004587401034747652
1540 | Services d'enseignement | 0.013229866912219855 | 0 | 0.0015102157389094077 | 0.0010261577512048555 | 0.0014906186936535118 | 0.00020668816105218958 | 0 | 0 | 0.003328231925103484
1550 | Autres services | 0.12313371444594702 | 0.013157610011468802 | 0.008630842502495075 | 0.01320614315895964 | 0.022340797801628433 | 0.07476690101274779 | 0 | 0 | 0.04018476244556296
1560 | Crédit à la consommation | 0.14789328805151514 | 0.01859039218859697 | 0.05350406942121767 | 0.09572583822256374 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681864 | 0 | 0.07452900570188979
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1
(1) Commerce de gros
Import-export | 0.026302879667730417 | 0.031358276660224844 | 0.046582484026997543 | 0.027005886010090383 | 0.06862616831582752 | 0 | 0 | 0 | 0.03827365951028774
Produits pétroliers | 0.01248965478126939 | 0 | 0.04570562884274167 | 0.05070206804942493 | 0.019195946869320347 | 0 | 0 | 0 | 0.02730602197477143
Produits pharmaceutiques | 0 | 0 | 0.0015249728546867394 | 0.001208976067343011 | 0.0014392120436432694 | 0 | 0 | 0 | 0.000937078842678685
Produits alimentaires | 0.016626184484863207 | 0.006517477454345007 | 0.06914677153913786 | 0.05587312768166432 | 0.07145799942108906 | 0 | 0 | 0 | 0.04775760757353774
Matériaux de construction | 0 | 0.1251590199623189 | 0.029921333774222906 | 0.0031373519912206993 | 0.08549800739866188 | 0 | 0 | 0 | 0.030797330332435088
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.05022379084198238 | 0.08226564656545736 | 0.02215773560176923 | 0.04517519801710272 | 0.04435212384268055 | 0 | 0 | 0 | 0.038541603784596125
S-Total | 0.10564250977584538 | 0.24530042064234614 | 0.21503892663955596 | 0.18310260781684606 | 0.2905694578912226 | 0 | - | 0 | 0.18361330201830678
(2) Commerce de détail
Produits pétroliers | 0.005128149027265097 | 0.0038738763239346036 | 0.005304717505667037 | 0.001645351784523515 | 0.004225164321556085 | 0 | 0 | 0 | 0.0032500083272431917
Produits pharmaceutiques | 0 | 0 | 6.403517028936596e-05 | 6.550066261545066e-05 | 0.00013311261582125235 | 0 | 0 | 0 | 6.560402053646819e-05
Véhicules automobiles | 0.0010235671559008456 | 0 | 0.0017129323391672853 | 0.02900736618283944 | 0.06395635772660233 | 0 | 0 | 0 | 0.02810300184068043
Produits alimentaires | 0.0034349557565699065 | 0 | 0.03171377416352222 | 0.012664783217069193 | 0.04389930997636211 | 0 | 0 | 0 | 0.0207306255067413
Librairie ,papeterie | 1.4219332708767242e-05 | 0 | 0 | 0.0009467676723877689 | 0.0026991327892570234 | 0 | 0 | 0 | 0.0010932694233866673
Appareils électro- ménagers électroni.équip. inform. | 0.0010666613700602624 | 0 | 0.0037758707172342223 | 0.004817680967911655 | 0.016792126559469805 | 0 | 0 | 0 | 0.007045420144985734
Matériaux de construction | 0 | 0 | 0.0019228940604355802 | 0.0033052463534349614 | 0.011773183839715453 | 0 | 0 | 0 | 0.004710172572863847
Autres | 0.016853214923532173 | 0.3248178803970283 | 0.0057295086180387264 | 0.11805818309549518 | 0.027019009889334793 | 0 | 0 | 0 | 0.048682837139625026
S-Total | 0.027520767566037052 | 0.3286917567209629 | 0.05022373257435444 | 0.17051087993627717 | 0.17049739771811884 | 0 | - | 0 | 0.11368093897606267
[Secteur d'activitésept. 21 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2021
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3643469.17 | 716357.82894 | 3960366.6867929343 | 15350194.393599492 | 20929651.16951 | 3792476 | 0 | 85414.7308 | 0 | 48477929.97964243
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 6860452.4 | 24556.88653 | 689334.927353312 | 1857308.6466746225 | 4747676.54499 | 3996538.76 | 179598.65541773205 | 38701.94451023381 | 0 | 18394168.765475903
Industries Manufacturières ( 200 à 290 ) | 2559975.1600000006 | 2473.17154 | 3236656.7834506314 | 9596419.195163121 | 10296707.221719999 | 2085963.91 | 9677.551660000001 | 89165.3762 | 0 | 27877038.369733755
Prêts aux Particuliers ( 1560 ) | 4046495.7500000005 | 23201.31443 | 798814.7852079406 | 4155413.399368087 | 1740542.11162 | 357009 | 59354.34952225199 | 0 | 0 | 11180830.710148279
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5592887.94 | 262316.72138 | 3219761.680881584 | 7228454.036021367 | 4910083.47477 | 1452515 | 4781342.9900908675 | 0 | 0 | 27447361.84314382
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2309147.9299999997 | 127298.30116 | 298042.911278942 | 359473.84872118395 | 1297864.91766 | 61204 | 0 | 0 | 0 | 4453031.908820125
Bâtiments et Travaux Publics ( 600 ) | 922687.93 | 91822.93944 | 1817993.7379610222 | 4188872.843977354 | 1376078.19803 | 461145.91 | 0 | 38701.94451023381 | 0 | 8897303.50391861
Électricité, Gaz et Eau ( 300 à 500 ) | 1425799.17 | 0 | 791274.443475094 | 642952.040235598 | 71930.72667999999 | 188632.42 | 0 | 0 | 0 | 3120588.800390692
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 117735.89075802201 | 30439.018780000002 | 23427.30214 | 0 | 0 | 0 | 0 | 171602.211678022
Total | 27360915.450000003 | 1248027.16342 | 14929981.847159484 | 43409527.42254083 | 45393961.66712 | 12395485 | 5029973.546690851 | 251983.9960204676 | 0 | 150019856.09295166
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1331632772543069 | 0.5739921773633089 | 0.26526265921391035 | 0.35361348775312285 | 0.46106685560934146 | 0.3059562413249663 | 0 | 0.3389688716304909 | #DIV/0! | 0.3231434240918463
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.25073913965111866 | 0.01967656414040392 | 0.04617118322112776 | 0.04278573753166906 | 0.10458828378552522 | 0.3224189097885238 | 0.035705685875005735 | 0.15358889898345057 | #DIV/0! | 0.12261156119279941
Industries Manufacturières ( 200 à 290 ) | 0.09356321299549208 | 0.001981664832696995 | 0.21678906354909092 | 0.22106711970746049 | 0.2268298875790382 | 0.16828417040559526 | 0.0019239766512026144 | 0.3538533304026081 | #DIV/0! | 0.18582232442924929
Prêts aux Particuliers ( 1560 ) | 0.1478932880515151 | 0.018590392188596965 | 0.053504069421217666 | 0.09572583822256372 | 0.038343031709451324 | 0.028801535397767815 | 0.011800131545681861 | 0 | #DIV/0! | 0.07452900570188978
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20441157936475404 | 0.21018510579622876 | 0.21565744110359802 | 0.16651768552237037 | 0.10816600478222851 | 0.11718097355609725 | 0.9505702059281098 | 0 | #DIV/0! | 0.18295819338833091
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08439585781476473 | 0.1019996237991818 | 0.019962710894765517 | 0.008280989682797689 | 0.028591135692835477 | 0.004937604297048482 | 0 | 0 | #DIV/0! | 0.02968295014268675
Bâtiments et Travaux Publics ( 600 ) | 0.03372284570251833 | 0.07357447187958258 | 0.1217679804685701 | 0.09649662396007196 | 0.030314124334883254 | 0.037202732285182866 | 0 | 0.15358889898345057 | #DIV/0! | 0.05930750592378838
Électricité, Gaz et Eau ( 300 à 500 ) | 0.0521107991655301 | 0 | 0.05299902247541169 | 0.014811311673062324 | 0.0015845879944887304 | 0.015217832944818216 | 0 | 0 | #DIV/0! | 0.020801171802599175
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007885869652307845 | 0.0007012059468814729 | 0.0005160885122077589 | 0 | 0 | 0 | #DIV/0! | 0.0011438633268098725
Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1 | 1.0000000000000002 | #DIV/0! | 1
[Secteur d' activitéjuin 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002
200 | Industrie alimentaire | 1370957.4000000001 | 755.6581600000001 | 1153519.3873345922 | 1385122.9727735436 | 3138962.7466800003 | 727752 | 9618.8578 | 112244.01929999999 | 0 | 7898933.042048136
210 | Industrie des boissons | 772501.77 | 0 | 1295062.032453448 | 2904171.95801336 | 2710609.3815 | 225659 | 0 | 0 | 0 | 7908004.141966809
220 | Industrie du bois | 49820.77 | 0 | 827.2039714239999 | 13487.720436783999 | 0 | 3 | 0 | 0 | 0 | 64138.694408208
230 | Industrie chimique | 94.59 | 0 | 11816.21036 | 449113.75865649624 | 30382.050199999998 | 61482 | 0 | 81333.3335 | 0 | 634221.9427164962
240 | Industrie du textile | 0 | 0 | 465473.91026237595 | 1868702.8383712717 | 5157.02207 | 218957 | 0 | 0 | 0 | 2558290.7707036478
250 | Industrie pharmacie | 0 | 0 | 19037.80458 | 74999.99998000001 | 80459.37589 | 84165 | 0 | 0 | 0 | 258662.18044999999
260 | Imprimerie, édition | 6289.68 | 0 | 372.14283792000003 | 99978.38544554399 | 152384.72842 | 49818 | 0 | 0 | 0 | 308842.936703464
270 | Sidérurgie, aciérie | 23169.09 | 0 | 21240.531607407996 | 185774.138592536 | 0 | 598547 | 0 | 0 | 0 | 828730.760199944
280 | Industrie de la fabrication | 1433.51 | 1840.81045 | 232493.583504016 | 2360337.8206758006 | 425790.8518 | 119800 | 0 | 0 | 0 | 3141696.5764298164
290 | Autres industries | 0 | 0 | 25387.112151295998 | 97267.139351152 | 1081678.23975 | 188691 | 0 | 0 | 0 | 1393023.491252448
300 | Production et distribution de l'électricité | 1333322.96 | 0 | 331560.424216288 | 665071.145341216 | 2266.66 | 4235 | 0 | 0 | 0 | 2336456.1895575044
400 | Production et distribution de gaz | 0 | 0 | 4927.2576500000005 | 401584.0434978 | 50557.25931 | 168851 | 0 | 0 | 0 | 625919.5604578
500 | Traitement et distribution de l'eau | 0 | 0 | 442186.8260399999 | 265784.885061144 | 26020.840600000003 | 0 | 0 | 0 | 0 | 733992.5517011438
600 | Entrep/ batiment et corps/ métiers corresp. | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176
700 | Commerce de gros(1) | 3142863.11 | 296186.21075 | 2966466.3459586636 | 8898024.357695095 | 10709785.642649999 | 2950941 | 0 | 120908.2998 | 0 | 29085174.96685376
800 | Commerce de détail(2) | 1011782.69 | 397549.38430000003 | 686956.6828209119 | 7199227.084055676 | 6947644.443100001 | 1101552 | 0 | 88374.9664 | 0 | 17433087.25067659
900 | Rest/débits/boissons, casinos/activités/loterie | 127719.48000000001 | 0 | 1653.1287671839998 | 5052.02236248 | 11867.66142 | 12947 | 0 | 0 | 0 | 159239.292549664
1000 | Hotels,motels et pensions | 2136969.1300000004 | 0 | 115819.61035055203 | 367038.57918999996 | 1115109.78406 | 278988 | 159127.88071753603 | 0 | 0 | 4173052.9843180883
1100 | Transport | 836194.9 | 129045.9157 | 375975.98223968 | 324001.46816407196 | 672703.86273 | 29378 | 0 | 0 | 0 | 2367300.128833752
1200 | Immobilier résidentiel / Avance Hypothécaire | 2276406.6100000003 | 212248.15480000002 | 1683370.5063489918 | 537214.3505374956 | 3103062.76243 | 1256706 | 3619349.778547144 | 0 | 0 | 12688358.162663631
1300 | Immobilier commercial | 3282226.25 | 50617.27198 | 1469264.6255430402 | 6623698.60952116 | 1372789.96139 | 106387 | 1030148.2982725682 | 0 | 0 | 13935132.016706768
1400 | Télécommunications | 1624582.06 | 0 | 13965.767899032002 | 55528.327840000005 | 721517.32036 | 30609 | 0 | 0 | 0 | 2446202.476099032
1500 | Services financiers | 192755.85 | 0 | 229897.74587748002 | 666006.8674435599 | 1930023.96044 | 2039805 | 0 | 80389.809165184 | 0 | 5138879.232926224
1510 | Services professionnels | 419981.72 | 7354.93487 | 280904.89627196797 | 132447.02827877598 | 269849.08043000003 | 397365 | 0 | 0 | 0 | 1507902.659850744
1520 | Services médicaux | 10705.91 | 0 | 18479.549216439995 | 4844.15037 | 53207.81258 | 38452 | 0 | 0 | 0 | 125689.42216644
1530 | Services d'agence ou de représentation | 656.21 | 775.39098 | 17487.562778831998 | 18646.651872096 | 23924.493710000002 | 15 | 0 | 0 | 0 | 61505.309340928005
1540 | Services d'enseignement | 360815.84 | 0 | 24673.660309968 | 70572.461184912 | 45933.32884 | 4124 | 0 | 0 | 0 | 506119.29033488
1550 | Autres services | 5036669.38 | 9188.179699999999 | 135291.62949312798 | 135295.5313779382 | 950982.30344 | 560704 | 0 | 0 | 0 | 6828131.024011066
1560 | Crédit à la consommation | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 28950968.67 | 1216523.4425599999 | 14806560.21631872 | 44728796.56014157 | 38506824.533599995 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095
(1) Commerce de gros
Import-export | 724900.8099999999 | 39093.4371 | 881635.7112470559 | 1349254.3983187599 | 3341668.59598 | 0 | 6336552.952645816
Produits pétroliers | 523285.27 | 0 | 566893.5595917361 | 2975398.6541341525 | 421041.2426 | 0 | 4486618.726325888
Produits pharmaceutiques | 0 | 0 | 21009.32729608 | 48336.35817888801 | 71578.00529 | 0 | 140923.690764968
Produits alimentaires | 486110.31 | 8260.091059999999 | 595119.2690377359 | 2418924.1589362565 | 2572279.76311 | 0 | 6080693.592143992
Matériaux de construction | 0 | 146838.87795 | 564385.768929208 | 224664.198330104 | 2360053.2949800002 | 0 | 3295942.1401893124
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1408566.73 | 101993.80464 | 337422.709856848 | 1881446.589796936 | 1943164.7406900001 | 2950941 | 120908 | 0 | 8744443.574983783
S-Total | 3142863.12 | 296186.21074999997 | 2966466.345958664 | 8898024.357695097 | 10709785.64265 | 2950941 | 0 | 120908 | 0 | 29085174.677053757
(2) Commerce de détail
Produits pétroliers | 122462.79 | 4910.8557599999995 | 82530.447316664 | 68332.800848392 | 189277.19313 | 467514.087055056
Produits pharmaceutiques | 0 | 0 | 943.47007 | 3407.56466 | 6252.94724 | 0 | 10603.98197
Véhicules automobiles | 28695.19 | 0 | 0.01095 | 1236396.2041953122 | 2954067.63934 | 0 | 4219159.044485312
Produits alimentaires | 88419.43 | 0 | 449006.6321533919 | 611998.1046365999 | 1566739.60467 | 0 | 2716163.771459992
Librairie ,papeterie | 493.53 | 0 | 0 | 42665.28283016 | 126421.95667 | 0 | 169580.76950016
Appareils électro- ménagers électroni.équip. inform. | 27471.440000000002 | 0 | 48836.999536031995 | 182782.420931936 | 664611.63874 | 0 | 923702.499207968
Matériaux de construction | 0 | 0 | 29147.254206576 | 146381.85246038402 | 331588.72647000005 | 0 | 507117.83313696005
Autres | 744240.3200000001 | 392638.52854 | 76491.86858824798 | 4907262.853492882 | 1108684.7368400001 | 1101552 | 88374.97 | 0 | 8419245.27746113
S-Total | 1011782.7000000001 | 397549.38430000003 | 686956.682820912 | 7199227.084055666 | 6947644.443100002 | 1101552 | 0 | 88374.97 | 0 | 17433087.26427658
[Secteur d'activitésjuin 21% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007847061804586997 | 0.00044920272051120907 | 0.0009196703389317153 | 0 | 0 | 0 | 0.0011784610610427737
200 | Industrie alimentaire | 0.047354456965739936 | 0.0006211620208566021 | 0.07790596671219198 | 0.03096714151276418 | 0.08151705015148751 | 0.06051000879772784 | 0.0019695149116247894 | 0.19596334026750595 | 0.05421617419655166
210 | Industrie des boissons | 0.026683106144233894 | 0 | 0.08746542164642158 | 0.06492846178207501 | 0.0703929605811769 | 0.01876274895195955 | 0 | 0 | 0.05427843581223154
220 | Industrie du bois | 0.001720867117362674 | 0 | 5.586739656873954e-05 | 0.000301544451763835 | 0 | 2.4943940572225637e-07 | 0 | 0 | 0.00044023092869174975
230 | Industrie chimique | 3.267248190490339e-06 | 0 | 0.0007980388548973736 | 0.01004081918574817 | 0.0007890043016528008 | 0.005112011180871922 | 0 | 0.14199733586830884 | 0.004353130624421291
240 | Industrie du textile | 0 | 0 | 0.03143700518297047 | 0.04177851813783199 | 0.00013392488558749177 | 0.01820550131957603 | 0 | 0 | 0.017559426992425204
250 | Industrie pharmacie | 0 | 0 | 0.0012857682204282606 | 0.0016767721411676323 | 0.002089483536088346 | 0.006998022527537903 | 0 | 0 | 0.0017753883668446494
260 | Imprimerie, édition | 0.00021725283432459324 | 0 | 2.5133645659972473e-05 | 0.0022352129530494916 | 0.003957343412906803 | 0.004142190771423789 | 0 | 0 | 0.0021198157227761377
270 | Sidérurgie, aciérie | 0.0008002872119442627 | 0 | 0.0014345351855590484 | 0.004153345336325946 | 0 | 0.04976706932561313 | 0 | 0 | 0.005688187381493573
280 | Industrie de la fabrication | 4.951509624220114e-05 | 0.0015131730187839844 | 0.015702065848337846 | 0.05276998270011872 | 0.011057542577380449 | 0.009960946935175437 | 0 | 0 | 0.02156376917663596
290 | Autres industries | 0 | 0 | 0.001714585412168598 | 0.002174597727447647 | 0.02809055934503655 | 0.01568899030171276 | 0 | 0 | 0.009561342507854497
300 | Production et distribution de l'électricité | 0.04605451980546805 | 0 | 0.02239280557889915 | 0.014868970249333062 | 5.886385147189104e-05 | 0.0003521252944112519 | 0 | 0 | 0.016036813465988745
400 | Production et distribution de gaz | 0 | 0 | 0.00033277530891810605 | 0.008978199155388342 | 0.0013129428334420338 | 0.014039364365202903 | 0 | 0 | 0.004296145282174723
500 | Traitement et distribution de l'eau | 0 | 0 | 0.02986425068211681 | 0.005942142545770804 | 0.0006757462064236155 | 0 | 0 | 0 | 0.005037929531769053
600 | Entrep/ batiment et corps/ métiers corresp. | 0.030153169310172166 | 0.07241743414710643 | 0.12421647748909259 | 0.10736602313061938 | 0.026735970739463898 | 0.03540226968241125 | 0 | 0.1563081161959789 | 0.06278574696514053
700 | Commerce de gros(1) | 0.10855813309130287 | 0.2434693820011544 | 0.20034810939337816 | 0.1989327914452374 | 0.27812694950488415 | 0.2453603231204803 | 0 | 0.21109003796047263 | 0.19963290031019834
800 | Commerce de détail(2) | 0.034948146348154636 | 0.32679138797639123 | 0.046395426944861776 | 0.16095284554270803 | 0.18042631474422613 | 0.09159015875072099 | 0 | 0.1542911036131491 | 0.1196560712864701
900 | Rest/débits/boissons, casinos/activités/loterie | 0.004411578812986225 | 0 | 0.00011164840064352293 | 0.00011294787141628409 | 0.0003081963149063254 | 0.0010764973286286844 | 0 | 0 | 0.0010929761244779044
1000 | Hotels,motels et pensions | 0.07381338960911529 | 0 | 0.007822182104315088 | 0.008205867526448788 | 0.028958757248003814 | 0.023196866974546954 | 0.0325823232284854 | 0 | 0.02864272507753339
1100 | Transport | 0.028883140648295273 | 0.10607762348454321 | 0.025392527146535122 | 0.007243688475464014 | 0.017469730908167128 | 0.0024426769537694826 | 0 | 0 | 0.01624851805644509
1200 | Immobilier résidentiel | 0.07862972171839251 | 0.17447107665541906 | 0.11369085606349695 | 0.012010480760759265 | 0.0805847482885106 | 0.10449066593586463 | 0.74108210220495 | 0 | 0.08708951357775258
1300 | Immobilier commercial | 0.11337189741085095 | 0.04160813528877271 | 0.0992306520945846 | 0.1480857773719677 | 0.03565056267343315 | 0.00884570335219123 | 0.2109286234206232 | 0 | 0.09564703749834803
1400 | Télécommunications | 0.05611494656769286 | 0 | 0.0009432148787427308 | 0.0012414447092341859 | 0.018737388218818818 | 0.0025450302565841816 | 0 | 0 | 0.016790082769182806
1500 | Services financiers | 0.0066580103829044 | 0 | 0.015526749124628106 | 0.014889890152713109 | 0.05012160789202221 | 0.16960258232976239 | 0 | 0.14035006609458453 | 0.03527189940517945
1510 | Services professionnels | 0.014506655193033303 | 0.006045863657606622 | 0.01897165122540581 | 0.0029611131634335384 | 0.007007824812833817 | 0.03303949648494147 | 0 | 0 | 0.010349842547432665
1520 | Services médicaux | 0.00036979453509940186 | 0 | 0.0012480649756905168 | 0.00010830048520278517 | 0.0013817761714828582 | 0.003197148009610734 | 0 | 0 | 0.0008626987430536198
1530 | Services d'agence ou de représentation | 2.266625367461323e-05 | 0.0006373826864925023 | 0.0011810685617283663 | 0.0004168824852469266 | 0.0006213052880827436 | 1.2471970286112818e-06 | 0 | 0 | 0.0004221560744330497
1540 | Services d'enseignement | 0.012462997149172764 | 0 | 0.0016664005649856795 | 0.0015777858250673362 | 0.0011928620289091833 | 0.00034289603639952844 | 0 | 0 | 0.0034738681114223
1550 | Autres services | 0.1739723957913426 | 0.007552817626485509 | 0.00913727614763754 | 0.003024797038659919 | 0.024696461340513787 | 0.046620557515364015 | 0 | 0 | 0.04686647412555781
1560 | Crédit à la consommation | 0.140240084754304 | 0.01879456143638788 | 0.055856413404548 | 0.09160445341652497 | 0.04698445180415546 | 0.0287066508610773 | 0.013437436234316626 | 0 | 0.07706223827647085
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000002 | 0.9999999999999996 | 0.9999999999999997 | 1.0000000000000002 | 0.9999999999999997 | 1 | 1 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.025038913836108265 | 0.032135375063330834 | 0.059543587326608166 | 0.030165229160694623 | 0.08678120401915126 | 0 | 0 | 0 | 0.04349241307117612
Produits pétroliers | 0.018074879495906 | 0 | 0.03828664803368354 | 0.06652087431266974 | 0.010934197968794104 | 0 | 0 | 0 | 0.03079495687900183
Produits pharmaceutiques | 0 | 0 | 0.0014189201940991696 | 0.0010806541176196362 | 0.0018588394695476123 | 0 | 0 | 0 | 0.0009672627083003349
Produits alimentaires | 0.01679081330718044 | 0.0067899152379816185 | 0.040192945582447875 | 0.05407979523177675 | 0.06680062026058523 | 0 | 0 | 0 | 0.04173626251451963
Matériaux de construction | 0 | 0.12070369777749497 | 0.038117277793338046 | 0.005022808919708456 | 0.0612892214189379 | 0 | 0 | 0 | 0.02262246967571777
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.048653526797519754 | 0.08384039392234695 | 0.02278873046320138 | 0.04206342970276822 | 0.050462866367868064 | 0.2453603231204803 | 0 | 0.2110895145489824 | 0.060019533472372565
S-Total | 0.10855813343671444 | 0.24346938200115437 | 0.20034810939337816 | 0.19893279144523746 | 0.27812694950488415 | 0.2453603231204803 | - | 0.2110895145489824 | 0.19963289832108827
(2) Commerce de détail
Produits pétroliers | 0.004230006650067643 | 0.004036795007966147 | 0.005573910895638334 | 0.0015277138242812522 | 0.004915419420389804 | 0 | 0 | 0 | 0.0032088922704105473
Produits pharmaceutiques | 0 | 0 | 6.371973343006267e-05 | 7.61827932351868e-05 | 0.00016238542948520334 | 0 | 0 | 0 | 7.278291012244659e-05
Véhicules automobiles | 0.0009911651083970448 | 0 | 7.395370592510543e-10 | 0.02764206281590597 | 0.07671543096892765 | 0 | 0 | 0 | 0.02895918480395927
Produits alimentaires | 0.0030541095535647233 | 0 | 0.030324844230770715 | 0.013682418301009233 | 0.040687322926431034 | 0 | 0 | 0 | 0.018643025253655552
Librairie ,papeterie | 1.7047097996116892e-05 | 0 | 0 | 0.000953866102183031 | 0.003283105220989793 | 0 | 0 | 0 | 0.0011639572700089642
Appareils électro- ménagers électroni.équip. inform. | 0.0009488953655794896 | 0 | 0.0032983352529244022 | 0.004086459618607666 | 0.017259580523449242 | 0 | 0 | 0 | 0.006340048122482127
Matériaux de construction | 0 | 0 | 0.0019685364987373642 | 0.0032726534965804746 | 0.008611167773147974 | 0 | 0 | 0 | 0.003480721843465868
Autres | 0.02570692291796121 | 0.32275459296842507 | 0.005166079593823836 | 0.10971148859090499 | 0.028791902481405403 | 0.09159015875072099 | 0 | 0.15429110989827707 | 0.057787458905712026
S-Total | 0.03494814669356623 | 0.32679138797639123 | 0.04639542694486177 | 0.1609528455427078 | 0.1804263147442261 | 0.09159015875072099 | - | 0.15429110989827707 | 0.11965607137981679
[Secteur d'activitéjuin 21 g]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2021
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 4154645.8 | 693735.5950500001 | 3653423.0287795756 | 16097251.441750772 | 17657430.08575 | 4052493 | 0 | 209283.2662 | 0 | 46518262.21753035
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 8286273.5200000005 | 17318.505549999998 | 824207.7830655519 | 1399903.2920797616 | 4400898.42492 | 3332400 | 159127.88071753603 | 80389.809165184 | 0 | 18500519.21549803
Industries Manufacturières ( 200 à 290 ) | 2224266.8099999996 | 2596.46861 | 3225229.919062481 | 9438956.73229649 | 7625424.396310001 | 2274874 | 9618.8578 | 193577.3528 | 0 | 24994544.53687897
Prêts aux Particuliers ( 1560 ) | 4060086.3 | 22864.024579999998 | 827041.3485420321 | 4097356.9608707107 | 1809222.04143 | 345254 | 65626.712228256 | 0 | 0 | 11227451.387650998
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5558632.86 | 262865.42678000004 | 3152635.131892032 | 7160912.960058656 | 4475852.72382 | 1363093 | 4649498.076819712 | 0 | 0 | 26623490.179370403
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2460776.96 | 129045.9157 | 389941.750138712 | 379529.79600407195 | 1394221.18309 | 59987 | 0 | 0 | 0 | 4813502.604932783
Bâtiments et Travaux Publics ( 600 ) | 872963.46 | 88097.50629 | 1839218.753801248 | 4802353.006080928 | 1029517.334 | 425782 | 0 | 89530.27228 | 0 | 9147462.332452176
Électricité, Gaz et Eau ( 300 à 500 ) | 1333322.96 | 0 | 778674.5079062879 | 1332440.07390016 | 78844.75991 | 173086 | 0 | 0 | 0 | 3696368.301716448
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 116187.993130792 | 20092.297100008003 | 35413.58437 | 0 | 0 | 0 | 0 | 171693.87460080002
Total | 28950968.67 | 1216523.44256 | 14806560.216318712 | 44728796.560141556 | 38506824.5336 | 12026969 | 4883871.527565504 | 572780.700445184 | 0 | 145693294.65063095
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1435062794394575 | 0.5702607699775456 | 0.24674353633824006 | 0.35988563698794557 | 0.45855326424911014 | 0.3369504818712013 | 0 | 0.3653811415736217 | #DIV/0! | 0.3192889715966684
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2862174877273286 | 0.01423606397058463 | 0.05566504110503465 | 0.031297584548188685 | 0.11428879109675472 | 0.2770772918762824 | 0.0325823232284854 | 0.14035006609458453 | #DIV/0! | 0.12698264020909017
Industries Manufacturières ( 200 à 290 ) | 0.07682875261803802 | 0.0021343350396405857 | 0.21782438810520402 | 0.21102639592829273 | 0.1980278687913168 | 0.18914773955100408 | 0.0019695149116247894 | 0.3379606761358148 | #DIV/0! | 0.17155590170992627
Prêts aux Particuliers ( 1560 ) | 0.140240084754304 | 0.018794561436387875 | 0.05585641340454803 | 0.091604453416525 | 0.04698445180415545 | 0.0287066508610773 | 0.013437436234316626 | 0 | #DIV/0! | 0.07706223827647085
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19200161912924346 | 0.21607921194419175 | 0.21292150815808167 | 0.16009625813272704 | 0.11623531096194373 | 0.11333636928805586 | 0.9520107256255732 | 0 | #DIV/0! | 0.18273655107610065
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.08499808721598813 | 0.1060776234845432 | 0.026335742025277865 | 0.008485133184698204 | 0.03620711912698594 | 0.004987707210353664 | 0 | 0 | #DIV/0! | 0.03303860082562789
Bâtiments et Travaux Publics ( 600 ) | 0.030153169310172166 | 0.07241743414710641 | 0.12421647748909265 | 0.10736602313061941 | 0.026735970739463894 | 0.03540226968241125 | 0 | 0.1563081161959789 | #DIV/0! | 0.06278574696514053
Électricité, Gaz et Eau ( 300 à 500 ) | 0.04605451980546805 | 0 | 0.05258983156993409 | 0.029789311950492215 | 0.0020475528913375396 | 0.014391489659614155 | 0 | 0 | #DIV/0! | 0.02537088827993252
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007847061804587002 | 0.00044920272051120923 | 0.0009196703389317151 | 0 | 0 | 0 | #DIV/0! | 0.0011784610610427737
Total | 1 | 1 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1
[Secteur d' activitémars 21 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301
200 | Industrie alimentaire | 1510798 | 1209.3326299999999 | 618193.65725 | 1016779.121 | 2233613.65 | 621927.486 | 10484.3 | 104393.55690000001 | 0 | 6117399.1037800005
210 | Industrie des boissons | 775076 | 0 | 1230498.37503 | 2456764.438 | 2772794.04 | 110000 | 0 | 0 | 0 | 7345132.85303
220 | Industrie du bois | 43669 | 0 | 1100.3458 | 256.09 | 0 | 98.961 | 0 | 0 | 0 | 45124.3968
230 | Industrie chimique | 182 | 0 | 11123.115880000001 | 258201.184 | 17885.9 | 59724.31 | 0 | 81333.3335 | 0 | 428449.84338000003
240 | Industrie du textile | 49 | 0 | 492923.18179 | 1615190.999 | 5683.62 | 188818.555 | 0 | 0 | 0 | 2302665.3557900004
250 | Industrie pharmacie | 0 | 0 | 21322.2604 | 87500 | 84678.12 | 86736.836 | 0 | 0 | 0 | 280237.2164
260 | Imprimerie, édition | 72122 | 0 | 583.93486 | 56519.577 | 199022.66 | 44296.739 | 0 | 0 | 0 | 372544.91086
270 | Sidérurgie, aciérie | 0 | 0 | 21499.51761 | 92481.758 | 0 | 451863.67 | 0 | 0 | 0 | 565844.9456099999
280 | Industrie de la fabrication | 27617 | 2130.87401 | 205025.53809000002 | 2137995.596 | 420306.28 | 163377.338 | 0 | 0 | 0 | 2956452.6260999995
290 | Autres industries | 0 | 0 | 26564.60941 | 86634.592 | 991639.78 | 167759.306 | 0 | 0 | 0 | 1272598.28741
300 | Production et distribution de l'électricité | 1288751 | 0 | 331550.49761 | 453797.994 | 2396.27 | 3351.371 | 0 | 0 | 0 | 2079847.13261
400 | Production et distribution de gaz | 0 | 0 | 0 | 387428.64 | 48580.8 | 150933.577 | 0 | 0 | 0 | 586943.017
500 | Traitement et distribution de l'eau | 0 | 0 | 335276.46198 | 276613.909 | 30907.93 | 21018.169 | 0 | 0 | 0 | 663816.46998
600 | Entrep/ batiment et corps/ métiers corresp. | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893
700 | Commerce de gros(1) | 3176726 | 292267.14043 | 3444624.66863 | 7116211.612 | 10116814.91 | 2694107.881 | 0 | 109972.9215 | 0 | 26950725.13356
800 | Commerce de détail(2) | 771113 | 366569.29608999996 | 809549.91107 | 7347106.597 | 6626856.64 | 1031502.795 | 0 | 77439.5881 | 0 | 17030137.827260002
900 | Rest/débits/boissons, casinos/activités/loterie | 114679 | 34.29018 | 1754.6386499999999 | 2419.045 | 13595.51 | 13331.872 | 0 | 0 | 0 | 145814.35583
1000 | Hotels,motels et pensions | 2098897 | 0 | 121506.70877 | 766837.96 | 1002626.54 | 272598.143 | 174336.87 | 0 | 0 | 4436803.22177
1100 | Transport | 752592 | 125752.9157 | 246427.75453 | 318825.008 | 658619.45 | 33936.445 | 0 | 0 | 0 | 2136153.5732299997
1200 | Immobilier résidentiel / Avance Hypothécaire | 2228894 | 211372.60684999998 | 1705633.46831 | 409363.109 | 2955774 | 1069767.664 | 3351204.63 | 0 | 0 | 11932009.478160001
1300 | Immobilier commercial | 3228871 | 50875.24243 | 1464922.58366 | 6037398.77 | 754821.92 | 96773.19 | 963368.19 | 0 | 0 | 12597030.896089999
1400 | Télécommunications | 1676352 | 0 | 12434.505060000001 | 54153.311 | 969543.22 | 33119.844 | 0 | 0 | 0 | 2745602.88006
1500 | Services financiers | 238769 | 0 | 184933.94846 | 1232844.258 | 1217224.54 | 1856072.051 | 0 | 70442.501567836 | 0 | 4800286.299027836
1510 | Services professionnels | 414421 | 7430.01382 | 279235.86714 | 124175.093 | 287471.74 | 350300.568 | 0 | 0 | 0 | 1463034.2819599998
1520 | Services médicaux | 11261 | 0 | 16966.27015 | 2972.924 | 52142.71 | 40025.314 | 0 | 0 | 0 | 123368.21815
1530 | Services d'agence ou de représentation | 693 | 775.39098 | 15713.921 | 19457.93 | 26722.22 | 18.297 | 0 | 0 | 0 | 63380.75898
1540 | Services d'enseignement | 250796 | 0 | 24174.40008 | 31471.466 | 52943.64 | 4490.416 | 0 | 0 | 0 | 363875.92208000005
1550 | Autres services | 38745 | 10822.81462 | 156246.03522 | 116961.022 | 967411.64 | 230655.038 | 0 | 0 | 0 | 1520841.54984
1560 | Crédit à la consommation | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 23136284 | 1172973.7336900001 | 14397797.893600002 | 41315370.357 | 36008900.14 | 10535035.493999999 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784
(1) Commerce de gros
Import-export | 986137 | 38963.200020000004 | 706101.7231515918 | 1151521.7583575977 | 3103490.21533 | 123749 | 0 | 0 | 6109962.8968591895
Produits pétroliers | 411844 | 0 | 587596.313201802 | 2287565.696973398 | 360489.42593 | 1064775 | 55511.41484375 | 0 | 4767781.850948949
Produits pharmaceutiques | 0 | 0 | 15520.307319846 | 70637.383292638 | 64319.871060000005 | 19340 | 0 | 0 | 169817.561672484
Produits alimentaires | 375368 | 8451.23978 | 814990.3886864199 | 2209877.50389342 | 2438804.17471 | 986131 | 0 | 0 | 6833622.30706984
Matériaux de construction | 0 | 118176.59714 | 993801.2305241239 | 174467.38806790806 | 2669203.5531 | 478895 | 0 | 0 | 4434543.768832032
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1403377 | 95511.45143 | 326614.70574327005 | 1222141.881319074 | 1587217.3447999998 | 21218 | 49252.06540000001 | 0 | 4705332.448692343
S-Total | 3176726 | 261102.48837000004 | 3444624.6686270535 | 7116211.611904035 | 10223524.584929999 | 2694108 | 0 | 104763.48024375 | 0 | 27021060.83407484
(2) Commerce de détail
Produits pétroliers | 118068 | 4910.8557599999995 | 85062.095658758 | 77422.53788 | 146225.02070999998 | 28559 | 55511.41484375 | 515758.92485250806
Produits pharmaceutiques | 117 | 0 | 979.76002 | 3714.44875 | 5875.84446 | 31820 | 0 | 0 | 42507.053230000005
Véhicules automobiles | 29358 | 0 | 172.47200999999998 | 1257052.3683556258 | 2945194.97269 | 497684 | 0 | 0 | 4729461.813055626
Produits alimentaires | 78920 | 0 | 558098.9711901239 | 614561.1605667201 | 1408287.51306 | 157126 | 16718.732 | 0 | 2833712.3768168436
Librairie ,papeterie | 717 | 0 | 0 | 38463.815264642 | 123131.28108 | 0 | 0 | 0 | 162312.096344642
Appareils électro- ménagers électroni.équip. inform. | 21525 | 0 | 48837.541079899995 | 167068.41567397598 | 620604.92204 | 256310 | 0 | 0 | 1114345.878793876
Matériaux de construction | 2924 | 0 | 29576.73794 | 149826.32027495 | 425206.10258999997 | 9 | 0 | 0 | 607542.1608049499
Autres | 519484 | 343193.54843 | 86822.33317371599 | 5038997.530271046 | 953616.9929099999 | 59995 | 0 | 0 | 7002109.404784761
S-Total | 771113 | 348104.40419000003 | 809549.911072498 | 7347106.59703696 | 6628142.64954 | 1031503 | 0 | 72230.14684375 | 0 | 17007749.708683208
[Secteur d'activitésmars 21 % ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2021
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007893054885880537 | 0.0006134507274410974 | 0.024666653981284304 | 0 | 0 | 0 | 0.007801572398034099
200 | Industrie alimentaire | 0.06529994185756019 | 0.001030997195645311 | 0.0429366811382173 | 0.024610190159598283 | 0.062029488301944005 | 0.059034208888447064 | 0.002295593334866721 | 0.195819120292302 | 0.046461277081087514
210 | Industrie des boissons | 0.03350045322749323 | 0 | 0.08546434559808425 | 0.05946369152137478 | 0.0770030195096095 | 0.010441350678186904 | 0 | 0 | 0.05578584082754306
220 | Industrie du bois | 0.0018874681863345038 | 0 | 7.642458993601495e-05 | 6.198419566063772e-06 | 0 | 9.393513676945948e-06 | 0 | 0 | 0.00034271707097649853
230 | Industrie chimique | 7.866431791725932e-06 | 0 | 0.0007725567452884141 | 0.006249518805445087 | 0.000496707756428575 | 0.005669113315661317 | 0 | 0.1525632643369623 | 0.003254050708629819
240 | Industrie du textile | 2.1178854823877507e-06 | 0 | 0.03423601202299904 | 0.03909419146054782 | 0.00015783931133421173 | 0.017922915884577464 | 0 | 0 | 0.017488604438816693
250 | Industrie pharmacie | 0 | 0 | 0.0014809389989755312 | 0.0021178558789120235 | 0.0023515886258890883 | 0.00823317928538533 | 0 | 0 | 0.0021283847495821855
260 | Imprimerie, édition | 0.0031172680971585584 | 0 | 4.055723412116836e-05 | 0.001368003639120809 | 0.005527040793420913 | 0.004204707143628348 | 0 | 0 | 0.002829456119336756
270 | Sidérurgie, aciérie | 0 | 0 | 0.0014932504101586811 | 0.0022384346842562177 | 0 | 0.04289151852002294 | 0 | 0 | 0.0042975582199098845
280 | Industrie de la fabrication | 0.0011936661911653573 | 0.0018166425630833085 | 0.014240062237652078 | 0.051748189052304175 | 0.011672288749889044 | 0.01550800071751519 | 0 | 0 | 0.022454079308551974
290 | Autres industries | 0 | 0 | 0.0018450466943843056 | 0.0020969094855353664 | 0.027538741148565388 | 0.015923943122502403 | 0 | 0 | 0.009665307206740623
300 | Production et distribution de l'électricité | 0.05570259251658564 | 0 | 0.023027861625796144 | 0.010983757136358666 | 6.65466034975652e-05 | 0.0003181167260336902 | 0 | 0 | 0.01579631347818855
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009377348832947314 | 0.0013491331257306212 | 0.014326821877910229 | 0 | 0 | 0.004457796799099798
500 | Traitement et distribution de l'eau | 0 | 0 | 0.023286648726263515 | 0.006695181638451262 | 0.0008583414067031262 | 0.001995073392203609 | 0 | 0 | 0.005041646036086279
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03300305269420102 | 0.06963236406245565 | 0.11463502604961998 | 0.11391905918622769 | 0.021229390151542685 | 0.03841429440180679 | 0 | 0.16793890042652498 | 0.06426092277522277
700 | Commerce de gros(1) | 0.13730493626374918 | 0.24916767702084108 | 0.23924663299803495 | 0.17224126397778522 | 0.2809531774274292 | 0.25572841045807304 | 0 | 0.20628476874998003 | 0.2046891312343567
800 | Commerce de détail(2) | 0.03332916383633604 | 0.3125127916861597 | 0.056227342337528914 | 0.17782986170799728 | 0.18403385313728718 | 0.09791165825568125 | 0 | 0.1452594630151951 | 0.12934286923220698
900 | Rest/débits/boissons, casinos/activités/loterie | 0.004956673249688671 | 2.9233544635418405e-05 | 0.0001218685428818221 | 5.855072770974556e-05 | 0.0003775597129360142 | 0.0012654795522609181 | 0 | 0 | 0.0011074512343704618
1000 | Hotels,motels et pensions | 0.09071884663933068 | 0 | 0.008439256452128088 | 0.018560597505816036 | 0.027843853494604404 | 0.02587538913895946 | 0.038171986379016816 | 0 | 0.03369725276115173
1100 | Transport | 0.03252864634614617 | 0.10720863740435185 | 0.01711565590454219 | 0.007716861914708262 | 0.018290462842223316 | 0.0032212938456000237 | 0 | 0 | 0.01622395749727488
1200 | Immobilier résidentiel | 0.09633759682410538 | 0.18020233597648716 | 0.11846488476325778 | 0.009908252194346897 | 0.08208453989175354 | 0.10154381203644383 | 0.7337641056057624 | 0 | 0.09062289203207285
1300 | Immobilier commercial | 0.13955875541638407 | 0.04337287440355044 | 0.10174629443237122 | 0.1461296054672082 | 0.02096209317877822 | 0.009185843754880093 | 0.21093459706290518 | 0 | 0.09567368957513513
1400 | Télécommunications | 0.07245554212595247 | 0 | 0.0008636393670678827 | 0.0013107303778731561 | 0.026925099523464644 | 0.003143780960098586 | 0 | 0 | 0.020852688209647197
1500 | Services financiers | 0.010320110178453894 | 0 | 0.012844599557978615 | 0.02983984525243693 | 0.033803435685830975 | 0.17618090153156918 | 0 | 0.13213448317903564 | 0.0364578848010537
1510 | Services professionnels | 0.017912167744828858 | 0.006334339471205623 | 0.019394345524472445 | 0.0030055422939942542 | 0.007983352417939195 | 0.03325100975687326 | 0 | 0 | 0.011111657094805438
1520 | Services médicaux | 0.00048672466157486657 | 0 | 0.001178393409560341 | 7.195685223952742e-05 | 0.0014480506151888259 | 0.0037992576316231252 | 0 | 0 | 0.0009369741730477314
1530 | Services d'agence ou de représentation | 2.9952951822341048e-05 | 0.0006610471809634951 | 0.0010914114169490482 | 0.0004709610450509558 | 0.0007421004222874329 | 1.736776303261689e-06 | 0 | 0 | 0.00048137304017974164
1540 | Services d'enseignement | 0.010839943008998333 | 0 | 0.0016790345481058472 | 0.0007617374775551985 | 0.0014702931718036084 | 0.0004262364376994666 | 0 | 0 | 0.002763615672622802
1550 | Autres services | 0.0016746423064308857 | 0.00922681754002542 | 0.01085207865637934 | 0.002830932434814383 | 0.026865903602686377 | 0.021894092158622966 | 0 | 0 | 0.011550699806374437
1560 | Crédit à la consommation | 0.15783187135842558 | 0.018804241950595386 | 0.059306095131364416 | 0.09868132014237724 | 0.05126944540994803 | 0.03167846023775343 | 0.014833717617448642 | 0 | 0.08242233641789375
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1
(1) Commerce de gros
Import-export | 0.03205059477176799 | 0.02516531372643384 | 0.05854060207542879 | 0.05401817894166574 | 0.050654800406566204 | 0.0177728247754266 | 0 | 0 | 0.04512582928669867
Produits pétroliers | 0.005704118282424044 | 0 | 0.0536872708541212 | 0.024958685852845403 | 0.008653521436004381 | 0.10429129425430402 | 0 | 0 | 0.026074385680376875
Produits pharmaceutiques | 0 | 0 | 0.0020896687300818663 | 0.002867790164056127 | 0.0018408845037124226 | 0.0006178802711200772 | 0 | 0 | 0.0017438574688723486
Produits alimentaires | 0.008802738036534618 | 0.01099419401860345 | 0.03827860364230004 | 0.06447943736041092 | 0.05042874827355871 | 0.08489643045259955 | 0 | 0 | 0.049158191134961796
Matériaux de construction | 0.005435217872689086 | 0.15320359396976113 | 0.0778519246404118 | 0.016169910332247222 | 0.11933753858847328 | 0.03760066525479155 | 0 | 0 | 0.05833401357954576
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.044852088665899396 | 0.08417694729947006 | 0.02859752179643176 | 0.06436341695359397 | 0.04765560611667916 | 0.0007802317660159508 | 0 | 0 | 0.044832690568225524
S-Total | 0.09684475762931513 | 0.2735400490142685 | 0.25904559173877545 | 0.22685741960481937 | 0.2785710993249942 | 0.24595932677425775 | - | 0 | 0.225268967718681
(2) Commerce de détail
Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | 0 | 0 | 0.002291940959462693
Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | 0 | 0 | 7.016561637524103e-05
Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | 0 | 0 | 0.03146258750817694
Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | 0 | 0 | 0.022564783579663145
Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | 0 | 0 | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | 0 | 0 | 0.021427657112564898
Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 6.700688971156962e-05 | 0 | 0 | 0.01129155070324652
Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | 0 | 0 | 0.04263643786962351
S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11764668244588197 | - | 0 | 0.1327354754475964
[Secteur d'activitémars 21 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2021
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3947839 | 658836.43652 | 4254174.579700001 | 14463318.208999999 | 16743671.55 | 3725610.676 | 0 | 187412.5096 | 0 | 43980862.96082
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3168261 | 19062.509599999998 | 800531.78947 | 2297139.698 | 3620138.5400000005 | 2767491.699 | 174336.87 | 70442.501567836 | 0 | 12917404.607637836
Industries Manufacturières ( 200 à 290 ) | 2429513 | 3340.20664 | 2628834.53612 | 7808323.355 | 6725624.050000001 | 1894603.201 | 10484.3 | 185726.8904 | 0 | 21686449.539160002
Prêts aux Particuliers ( 1560 ) | 3651643 | 22056.88189 | 853877.1715599999 | 4077055.289 | 1846156.34 | 333733.703 | 67747.69 | 0 | 0 | 10852270.07545
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5457765 | 262247.84927999997 | 3170556.05197 | 6446761.879 | 3710595.92 | 1166540.854 | 4314572.82 | 0 | 0 | 24529040.37425
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2428944 | 125752.9157 | 258862.25959 | 372978.31899999996 | 1628162.67 | 67056.28899999999 | 0 | 0 | 0 | 4881756.45329
Bâtiments et Travaux Publics ( 600 ) | 763568 | 81676.93406 | 1650491.9365899998 | 4706608.121 | 764446.99 | 404695.955 | 0 | 89530.27228 | 0 | 8461018.20893
Électricité, Gaz et Eau ( 300 à 500 ) | 1288751 | 0 | 666826.9595900001 | 1117840.543 | 81885 | 175303.117 | 0 | 0 | 0 | 3330606.6195900002
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 113642.60901 | 25344.944 | 888219.08 | 0 | 0 | 0 | 0 | 1027206.63301
Total | 23136284 | 1172973.7336899997 | 14397797.893599998 | 41315370.35699999 | 36008900.14 | 10535035.494 | 4567141.680000001 | 533112.173847836 | 0 | 131666615.47213784
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.17063410010008523 | 0.5616804687070011 | 0.29547397533556397 | 0.3500711256857825 | 0.4649870305647164 | 0.3536400687137542 | 0 | 0.35154423176517513 | #DIV/0! | 0.3340320004665636
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13693906074112852 | 0.016251437736829962 | 0.055600988108455554 | 0.05560012358961704 | 0.10053454912327685 | 0.2626941029839116 | 0.038171986379016816 | 0.13213448317903564 | #DIV/0! | 0.09810690858360605
Industries Manufacturières ( 200 à 290 ) | 0.10500878187698595 | 0.0028476397587286206 | 0.18258587566981682 | 0.1889931831066607 | 0.18677671419708075 | 0.17983833106960387 | 0.002295593334866721 | 0.3483823846292643 | #DIV/0! | 0.16470727573117502
Prêts aux Particuliers ( 1560 ) | 0.15783187135842558 | 0.018804241950595393 | 0.05930609513136443 | 0.09868132014237727 | 0.05126944540994803 | 0.03167846023775342 | 0.014833717617448642 | 0 | #DIV/0! | 0.08242233641789375
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.23589635224048944 | 0.22357521038003766 | 0.22021117919562908 | 0.15603785766155515 | 0.10304663307053176 | 0.1107296557913239 | 0.9446987026686677 | 0 | #DIV/0! | 0.18629658160720797
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10498418847209863 | 0.1072086374043519 | 0.017979295271610077 | 0.009027592292581418 | 0.04521556236568796 | 0.006365074805698608 | 0 | 0 | #DIV/0! | 0.03707664570692208
Bâtiments et Travaux Publics ( 600 ) | 0.03300305269420102 | 0.06963236406245568 | 0.11463502604962 | 0.11391905918622772 | 0.021229390151542685 | 0.038414294401806784 | 0 | 0.16793890042652498 | #DIV/0! | 0.06426092277522277
Électricité, Gaz et Eau ( 300 à 500 ) | 0.05570259251658564 | 0 | 0.046314510352059676 | 0.02705628760775725 | 0.0022740211359313124 | 0.016640011996147525 | 0 | 0 | #DIV/0! | 0.025295756313374627
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007893054885880539 | 0.0006134507274410975 | 0.024666653981284304 | 0 | 0 | 0 | #DIV/0! | 0.007801572398034099
Total | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | #DIV/0! | 1
[Secteur d' activitédec. 20]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372
200 | Industrie alimentaire | 1461272 | 1209.3326299999999 | 768534.66862 | 1009513.407 | 2388621.91 | 431102.061 | 11339.35 | 98956.1961 | 0 | 6170548.92535
210 | Industrie des boissons | 775134 | 0 | 1161561.9498299998 | 2239363.501 | 2892103.46 | 231330.511 | 0 | 0 | 0 | 7299493.42183
220 | Industrie du bois | 39519 | 0 | 1093.86803 | 2611.107 | 0 | 2417.377 | 0 | 0 | 0 | 45641.35203
230 | Industrie chimique | 144 | 0 | 12243.857689999999 | 262562.284 | 17986.98 | 54310.439 | 0 | 81333.3335 | 0 | 428580.89418999996
240 | Industrie du textile | 94 | 0 | 472377.69596 | 1378927.462 | 6980.49 | 140535.348 | 0 | 0 | 0 | 1998914.99596
250 | Industrie pharmacie | 0 | 0 | 23384.421489999997 | 100000 | 97573.5 | 3338.039 | 0 | 0 | 0 | 224295.96048999997
260 | Imprimerie, édition | 17883 | 0 | 2171.05723 | 83784.868 | 212900.32 | 40447.519 | 0 | 0 | 0 | 357186.76423
270 | Sidérurgie, aciérie | 16951 | 0 | 18886.86477 | 123216.215 | 0 | 287585.18 | 0 | 0 | 0 | 446639.25977
280 | Industrie de la fabrication | 29664 | 0 | 269568.00508 | 1980950.654 | 341754.76 | 170670.718 | 0 | 0 | 0 | 2792608.1370800002
290 | Autres industries | 0 | 0 | 35877.16663 | 80951.908 | 998365.05 | 130940.355 | 0 | 0 | 0 | 1246134.47963
300 | Production et distribution de l'électricité | 1143930 | 0 | 334958.39235000004 | 470640.333 | 2164.82 | 4272.917 | 0 | 89530.27228 | 0 | 2045496.7346299998
400 | Production et distribution de gaz | 0 | 0 | 5.1320500000000004 | 356333.923 | 78053.52 | 139436.194 | 0 | 0 | 0 | 573828.76905
500 | Traitement et distribution de l'eau | 0 | 0 | 329156.58926 | 230613.265 | 35109.5 | 7912.071 | 0 | 0 | 0 | 602791.4252599999
600 | Entrep/ batiment et corps/ métiers corresp. | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935
700 | Commerce de gros(1) | 2899120 | 274916.69956 | 2750384.36444 | 5823173.494 | 8959107.78 | 1806430.919 | 0 | 104763.48023999999 | 0 | 22617896.737239998
800 | Commerce de détail(2) | 750114 | 348104.40419 | 793801.95903 | 7415455.482 | 6543126.6 | 920779.963 | 0 | 72230.14684 | 0 | 16843612.55506
900 | Rest/débits/boissons, casinos/activités/loterie | 105104 | 34.29018 | 1826.14382 | 2554.759 | 14879.49 | 17711.879 | 0 | 0 | 0 | 142110.562
1000 | Hotels,motels et pensions | 1962401 | 0 | 126438.167 | 729172.49 | 938052.62 | 269731.502 | 174528.45 | 0 | 0 | 4200324.228999999
1100 | Transport | 733614 | 123678.2832 | 289316.55755 | 240066.162 | 427515.27 | 32473.679 | 0 | 0 | 0 | 1846663.95175
1200 | Immobilier résidentiel / Avance Hypothécaire | 2198734 | 210428.49223 | 1767510.3556400002 | 443863.835 | 2916808.01 | 991513.941 | 3253166.43 | 0 | 0 | 11782025.06387
1300 | Immobilier commercial | 3153220 | 51382.948130000004 | 1444105.37007 | 6048077.722 | 238395.95 | 91450.041 | 917185.54 | 0 | 0 | 11943817.571199998
1400 | Télécommunications | 1514621 | 0 | 14352.70458 | 52348.763 | 1088546.49 | 33947.031 | 0 | 0 | 0 | 2703815.98858
1500 | Services financiers | 308016 | 0 | 317526.73782 | 1013840.406 | 1212841.11 | 1978977.628 | 0 | 63552.83092 | 0 | 4894754.71274
1510 | Services professionnels | 382273 | 7525.799 | 266483.15502 | 121765.428 | 320930.93 | 328410.163 | 0 | 0 | 0 | 1427388.47502
1520 | Services médicaux | 12103 | 0 | 14211.253560000001 | 3424.22 | 57999.97 | 41857.976 | 0 | 0 | 0 | 129596.41956000001
1530 | Services d'agence ou de représentation | 1379 | 775.39098 | 15896.55094 | 18520.544 | 27868.68 | 2414.846 | 0 | 0 | 0 | 66855.01192
1540 | Services d'enseignement | 252690 | 0 | 23505.02829 | 41760.715 | 31594.67 | 4749.988 | 0 | 0 | 0 | 354300.40129
1550 | Autres services | 39827 | 10896.931630000001 | 95218.69323 | 199118.785 | 909978.84 | 220387.83 | 0 | 0 | 0 | 1475428.07986
1560 | Crédit à la consommation | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 21956538 | 1126759.7359699998 | 13879954.478999997 | 38490975.02900001 | 34246036.20999999 | 9241170.66 | 4426131.739999999 | 510366.25988 | 0 | 123877932.11385003
(1) Commerce de gros
Import-export | 947362 | 38963.20002 | 925490.69303 | 1270857.032 | 2004414.1 | 199996 | 0 | 5387083.025049999
Produits pétroliers | 169843 | 0 | 291990.20916 | 1422446.068 | 342632.09 | 496721 | 55511.41484 | 0 | 2779143.782
Produits pharmaceutiques | 0 | 18175.24635 | 69623.584 | 64680.46 | 12979 | 0 | 165458.29035
Produits alimentaires | 379630 | 8451.23978 | 492276.30757 | 1920799.521 | 2380833.64 | 770692 | 0 | 5952682.70835
Matériaux de construction | 118176.59714 | 733798.84015 | 346704.373 | 2714587.09 | 306105 | 0 | 4219371.900289999
Appareils électroménagers électron.,équipe.inform. | 0 | 0
Autres | 1402285 | 109325.66262 | 288653.0682 | 792742.916 | 1451960.39 | 19938 | 49252.0654 | 0 | 4114157.1022200002
S-Total | 2899120 | 274916.69956 | 2750384.36446 | 5823173.493999999 | 8959107.77 | 1806431 | 0 | 104763.48024 | 0 | 22617896.808259998
(2) Commerce de détail
Produits pétroliers | 123913 | 4910.85576 | 87529.44709 | 53074.906 | 245804.86 | 40463 | 55511.41484 | 611207.4836899999
Produits pharmaceutiques | 455 | 0 | 1012.16571 | 3810.17 | 4072.06 | 48438 | 0 | 57787.39571
Véhicules automobiles | 30000 | 0 | 96021.01586 | 1164613.031 | 2829095.74 | 472042 | 0 | 4591771.78686
Produits alimentaires | 71449 | 0 | 464376.65750000003 | 655936.192 | 1339606.42 | 138066 | 16718.732 | 0 | 2686153.0015
Librairie ,papeterie | 810 | 0 | 0 | 28054.788 | 125982.72 | 0 | 0 | 154847.508
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 42573.76663 | 202717.577 | 621809.82 | 159228 | 0 | 1026329.16363
Matériaux de construction | 19446 | 0 | 29990.03587 | 137874.898 | 413247.49 | 2 | 0 | 600560.4238699999
Autres | 504041 | 348104.40419 | 72298.87036 | 5169373.918 | 963507.49 | 62540 | 0 | 7119865.68255
S-Total | 750114 | 353015.25995 | 793801.95902 | 7415455.4799999995 | 6543126.600000001 | 920779 | 0 | 72230.14684 | 0 | 16848522.445809998
[Secteur d'activitésdec. 20%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007963033732367331 | 0.0004763230338069282 | 0.02788406500957794 | 0 | 0 | 0 | 0.00874876876959774
200 | Industrie alimentaire | 0.06655293288951108 | 0.0010732834972656483 | 0.05537011449012838 | 0.026227275516907764 | 0.06974885780511182 | 0.04665015687525459 | 0.002561909736559265 | 0.19389251186641354 | 0.0498115267187295
210 | Industrie des boissons | 0.035303106527996356 | 0 | 0.08368629389868766 | 0.0581789237428465 | 0.08445075051212768 | 0.025032598088606233 | 0 | 0 | 0.05892488918140319
220 | Industrie du bois | 0.0017998739145488236 | 0 | 7.880919434245937e-05 | 6.783686300574954e-05 | 0 | 0.0002615877456374126 | 0 | 0 | 0.00036843811687180337
230 | Industrie chimique | 6.558410984463944e-06 | 0 | 0.0008821252049871367 | 0.006821398621421759 | 0.0005252280844913586 | 0.005877008552074505 | 0 | 0.15936267714704241 | 0.003459703329533404
240 | Industrie du textile | 4.281184948191741e-06 | 0 | 0.034033086828540754 | 0.035824695554245736 | 0.0002038335168833836 | 0.015207526532141762 | 0 | 0 | 0.01613616696574251
250 | Industrie pharmacie | 0 | 0 | 0.0016847621168628475 | 0.002598011609855496 | 0.00284919105386883 | 0.0003612138681139777 | 0 | 0 | 0.0018106207995453197
260 | Imprimerie, édition | 0.000814472664133116 | 0 | 0.0001564167399312982 | 0.0021767405979421024 | 0.0062167872128171195 | 0.00437688259292465 | 0 | 0 | 0.0028833768705609926
270 | Sidérurgie, aciérie | 0.0007720251708170022 | 0 | 0.0013607295901852795 | 0.003201171570924509 | 0 | 0.031119994487797932 | 0 | 0 | 0.003605478814091893
280 | Industrie de la fabrication | 0.0013510326627995724 | 0 | 0.019421389709011597 | 0.051465327976428374 | 0.009979396094319555 | 0.018468517061235614 | 0 | 0 | 0.022543225330185955
290 | Autres industries | 0 | 0 | 0.0025848187531364894 | 0.0021031399682395397 | 0.0291527184015671 | 0.014169238921944115 | 0 | 0 | 0.010059374243386142
300 | Production et distribution de l'électricité | 0.05209974359345722 | 0 | 0.02413252816187425 | 0.012227290492002565 | 6.321373915290854e-05 | 0.00046237832383024083 | 0 | 0.17542357188943256 | 0.01651219631879297
400 | Production et distribution de gaz | 0 | 0 | 3.697454489324627e-07 | 0.009257596689393544 | 0.0022791986646678846 | 0.015088585540741436 | 0 | 0 | 0.004632211397608919
500 | Traitement et distribution de l'eau | 0 | 0 | 0.023714529450222996 | 0.005991359398566821 | 0.001025213539596383 | 0.0008561762671743582 | 0 | 0 | 0.004866011362750263
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03532551443219327 | 0.06827933415083301 | 0.108795211836948 | 0.09277071532507682 | 0.019351428467113685 | 0.05817422486600848 | 0 | 0 | 0.05758714096707476
700 | Commerce de gros(1) | 0.13203903092554936 | 0.24398875002693537 | 0.19815514298705078 | 0.15128672343614794 | 0.2616100656164085 | 0.1954764158635287 | 0 | 0.2052711718533912 | 0.18258213025749426
800 | Commerce de détail(2) | 0.03416358261944574 | 0.3089428855836115 | 0.05719053043228646 | 0.19265439434602583 | 0.19106230455042789 | 0.09963888741775492 | 0 | 0.14152610099457422 | 0.13596943594101873
900 | Rest/débits/boissons, casinos/activités/loterie | 0.004786911306327072 | 3.0432557097436947e-05 | 0.00013156698912542597 | 6.637293542382817e-05 | 0.0004344879479995154 | 0.0019166271949359283 | 0 | 0 | 0.0011471822266890383
1000 | Hotels,motels et pensions | 0.08937661301613214 | 0 | 0.009109407901250512 | 0.018943985946072404 | 0.027391567720356627 | 0.029188023024779845 | 0.03943137264142979 | 0 | 0.0339069611296037
1100 | Transport | 0.03341209802747592 | 0.10976455694303666 | 0.02084420074919758 | 0.006236946760094503 | 0.012483642409837892 | 0.0035140222158823327 | 0 | 0 | 0.014907126073535223
1200 | Immobilier résidentiel | 0.10014028623273852 | 0.18675542399360523 | 0.12734266227704108 | 0.011531633965249843 | 0.0851721347286399 | 0.10729311009174675 | 0.7349908726395028 | 0 | 0.09510995915754977
1300 | Immobilier commercial | 0.1436118936418847 | 0.04560239995243146 | 0.10404251485513825 | 0.1571297613906438 | 0.0069612713289833915 | 0.009895936820627874 | 0.20722056953505866 | 0 | 0.09641602315594865
1400 | Télécommunications | 0.06898268752569281 | 0 | 0.0010340599172508282 | 0.0013600269403557382 | 0.031786057905356636 | 0.0036734556961422896 | 0 | 0 | 0.021826454013577315
1500 | Services financiers | 0.014028441095768377 | 0 | 0.02287664115184308 | 0.026339691453286095 | 0.035415517946741096 | 0.2141479365342659 | 0 | 0.124523966249146 | 0.0395127253839003
1510 | Services professionnels | 0.017410440571277677 | 0.006679151517178792 | 0.01919913753486598 | 0.0031634799562302346 | 0.009371330685747706 | 0.0355377229880094 | 0 | 0 | 0.01152254038038154
1520 | Services médicaux | 0.0005512253343400494 | 0 | 0.0010238688881509842 | 8.896163314699386e-05 | 0.0016936257861884685 | 0.004529510117282046 | 0 | 0 | 0.0010461622772399398
1530 | Services d'agence ou de représentation | 6.280589408038735e-05 | 0.0006881600000842105 | 0.0011452884059563063 | 0.0004811658833283955 | 0.0008137782670410838 | 0.0002613138625880544 | 0 | 0 | 0.000539684597403167
1540 | Services d'enseignement | 0.01150864494211246 | 0 | 0.001693451396080764 | 0.0010849482240586654 | 0.0009225788878531354 | 0.0005140028438777907 | 0 | 0 | 0.0028600768130709526
1550 | Autres services | 0.0018139016269322604 | 0.009671033923322704 | 0.006860158898508159 | 0.005173129151703204 | 0.026571800439032477 | 0.02384847527531755 | 0 | 0 | 0.01191033830387165
1560 | Crédit à la consommation | 0.15408189578885342 | 0.018524587854598082 | 0.06548714816357866 | 0.11507097101756818 | 0.05457995367809022 | 0.034458470329775295 | 0.015795275447449745 | 0 | 0.08879407110284013
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999999
(1) Commerce de gros
Import-export | 0.043147148243498135 | 0.034579865410665864 | 0.0666782224992339 | 0.033017013236024975 | 0.05852981313541631 | 0.021641846835019924 | 0 | 0 | 0.043487027375456996
Produits pétroliers | 0.007735418033571595 | 0 | 0.021036827577624515 | 0.036955313990573 | 0.01000501453362214 | 0.05375087402617019 | 0 | 0.1087677991351782 | 0.022434534824538624
Produits pharmaceutiques | 0 | 0 | 0.0013094600834245291 | 0.0018088287955174936 | 0.0018886991651639094 | 0.0014044757398734154 | 0 | 0 | 0.001335655895498284
Produits alimentaires | 0.017290066403000327 | 0.007500480812552762 | 0.035466709081416734 | 0.04990259455762875 | 0.06952143674089752 | 0.08339765905805704 | 0 | 0 | 0.04805280978438667
Matériaux de construction | 0 | 0.10488180697925335 | 0.052867524980735214 | 0.009007419862416703 | 0.07926719090506973 | 0.03312405010817104 | 0 | 0 | 0.034060722747714135
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.06386639824547932 | 0.09702659682446341 | 0.02079639876605679 | 0.020595552993987 | 0.04239791084423432 | 0.0021575188613603634 | 0 | 0.09650337271821299 | 0.033211380203205874
S-Total | 0.1320390309255494 | 0.24398875002693537 | 0.19815514298849168 | 0.15128672343614794 | 0.26161006532440395 | 0.19547642462865197 | - | 0.2052711718533912 | 0.18258213083080058
(2) Commerce de détail
Produits pétroliers | 0.00564355819665195 | 0.004358387687480122 | 0.006306176812209992 | 0.0013788922197998912 | 0.007177614906808511 | 0.004378557813583328 | 0 | 0.1087677991351782 | 0.004933949681435347
Produits pharmaceutiques | 2.0722756930077047e-05 | 0 | 7.292284074356151e-05 | 9.898865895523116e-05 | 0.00011890602389805745 | 0.005241543715847793 | 0 | 0 | 0.000466486602770302
Véhicules automobiles | 0.0013663356217633218 | 0 | 0.0069179633121475475 | 0.030256781755269985 | 0.08261089612391088 | 0.05108032492498088 | 0 | 0 | 0.03706690698259261
Produits alimentaires | 0.0032541104613122524 | 0 | 0.03345664124493993 | 0.017041298421404037 | 0.03911712327188479 | 0.014940314931917944 | 0 | 0.03275830185939602 | 0.021683870207256047
Librairie ,papeterie | 3.6891061787609686e-05 | 0 | 0 | 0.0007288666493603465 | 0.003678753337392445 | 0 | 0 | 0 | 0.0012500007495902287
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003067284312381066 | 0.005266626185677754 | 0.01815713258571013 | 0.017230284544923664 | 0 | 0 | 0.008285004004480411
Matériaux de construction | 0.0008856587500269852 | 0 | 0.0021606724946666165 | 0.0035820058571164226 | 0.012067016675037267 | 2.1642279680613537e-07 | 0 | 0 | 0.004848001686999867
Autres | 0.02295630577097355 | 0.3089428855836115 | 0.005208869414477279 | 0.1343009345464819 | 0.028134861625785806 | 0.006767540856127853 | 0 | 0 | 0.057474850936375714
S-Total | 0.03416358261944574 | 0.31330127327109164 | 0.057190530431565995 | 0.19265439429406556 | 0.19106230455042789 | 0.09963878321017827 | - | 0.14152610099457422 | 0.13600907085150052
[Secteur d'activitédec 20 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2020
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3649234 | 623021.10375 | 3544186.32347 | 13238628.976 | 15502234.379999999 | 2727210.882 | 0 | 176993.62708 | 0 | 39461509.29229999
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3063793 | 19232.41179 | 861105.72968 | 2130157.347 | 3514146.3100000005 | 2864241.812 | 174528.45 | 63552.83092 | 0 | 12690757.89139
Industries Manufacturières ( 200 à 290 ) | 2340661 | 1209.3326299999999 | 2765699.55533 | 7261881.4059999995 | 6956286.470000001 | 1492677.5469999998 | 11339.35 | 180289.5296 | 0 | 21010044.19056
Prêts aux Particuliers ( 1560 ) | 3383105 | 20872.75972 | 908958.63547 | 4429193.872 | 1869147.07 | 318436.605 | 69911.97 | 0 | 0 | 10999625.912190001
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5351954 | 261811.44036 | 3211615.72571 | 6491941.557 | 3155203.96 | 1082963.982 | 4170351.97 | 0 | 0 | 23725842.63507
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248235 | 123678.2832 | 303669.26213000005 | 292414.925 | 1516061.76 | 66420.71 | 0 | 0 | 0 | 4550479.94033
Bâtiments et Travaux Publics ( 600 ) | 775626 | 76934.40452 | 1510072.5878299999 | 3570835.287 | 662709.72 | 537597.94 | 0 | 0 | 0 | 7133775.93935
Électricité, Gaz et Eau ( 300 à 500 ) | 1143930 | 0 | 664120.11366 | 1057587.5210000002 | 115327.84000000001 | 151621.18199999997 | 0 | 89530.27228 | 0 | 3222116.92894
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 110526.54572 | 18334.138 | 954918.7 | 0 | 0 | 0 | 0 | 1083779.38372
Total | 21956538 | 1126759.73597 | 13879954.478999998 | 38490975.02899999 | 34246036.21 | 9241170.660000002 | 4426131.74 | 510366.25988 | 0 | 123877932.11384998
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1662026135449951 | 0.5529316356105468 | 0.25534567341933717 | 0.3439411177821739 | 0.45267237016683626 | 0.2951153032812836 | 0 | 0.34679727284796547 | #DIV/0! | 0.3185515661985131
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1395389837869704 | 0.017068777997683138 | 0.0620395211657812 | 0.05534173518324984 | 0.1026146876809601 | 0.30994361184105645 | 0.039431372641429784 | 0.124523966249146 | #DIV/0! | 0.10244567111216032
Industries Manufacturières ( 200 à 290 ) | 0.1066042834257386 | 0.0010732834972656481 | 0.19925854652581387 | 0.18866452202181758 | 0.20312676268118682 | 0.16152472472573073 | 0.0025619097365592648 | 0.353255189013456 | #DIV/0! | 0.16960280037005077
Prêts aux Particuliers ( 1560 ) | 0.15408189578885342 | 0.018524587854598075 | 0.06548714816357865 | 0.11507097101756823 | 0.05457995367809021 | 0.03445847032977529 | 0.01579527544744974 | 0 | #DIV/0! | 0.08879407110284016
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24375217987462322 | 0.23235782394603666 | 0.2313851771321793 | 0.16866139535589372 | 0.09213340605762327 | 0.11718904691237461 | 0.9422114421745612 | 0 | #DIV/0! | 0.1915259823134985
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10239478555316872 | 0.10976455694303665 | 0.021878260666448407 | 0.007596973700450244 | 0.04426970031519452 | 0.007187477912024621 | 0 | 0 | #DIV/0! | 0.03673358008711255
Bâtiments et Travaux Publics ( 600 ) | 0.03532551443219327 | 0.068279334150833 | 0.10879521183694799 | 0.09277071532507686 | 0.01935142846711368 | 0.05817422486600846 | 0 | 0 | #DIV/0! | 0.05758714096707478
Électricité, Gaz et Eau ( 300 à 500 ) | 0.05209974359345722 | 0 | 0.04784742735754617 | 0.027476246579962945 | 0.0033676259434171755 | 0.016407140131746028 | 0 | 0.17542357188943256 | #DIV/0! | 0.026010419079152164
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00796303373236733 | 0.00047632303380692835 | 0.027884065009577935 | 0 | 0 | 0 | #DIV/0! | 0.008748768769597744
Total | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activitésept. 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486
200 | Industrie alimentaire | 1441830.9485499999 | 1209.3326299999999 | 604415.94 | 905028.224 | 2187482.25 | 402011.535 | 12429.97 | 94679.83290000001 | 0 | 5649088.0330799995
210 | Industrie des boissons | 775189.04235 | 0 | 1041130.5716 | 1278551.228 | 2919311.85 | 220837.65 | 0 | 0 | 0 | 6235020.341950001
220 | Industrie du bois | 36458.33746 | 0 | 1163.50729 | 382.958 | 0 | 3733.517 | 0 | 0 | 0 | 41738.31975
230 | Industrie chimique | 231.68579 | 0 | 13312.69546 | 264733.6 | 20854.66 | 56225.348 | 0 | 81333.3335 | 0 | 436691.32274999993
240 | Industrie du textile | 344.65772 | 0 | 402590.57766 | 1108916.659 | 8190.39 | 63787.397 | 0 | 0 | 0 | 1583829.68138
250 | Industrie pharmacie | 0 | 0 | 25387.99782 | 0 | 88417.91 | 4321.414 | 0 | 0 | 0 | 118127.32182000001
260 | Imprimerie, édition | 75288.50398000001 | 0 | 7112.42619 | 141531.13 | 170252.05 | 56677.011 | 0 | 0 | 0 | 450861.12117
270 | Sidérurgie, aciérie | 20609.96818 | 0 | 28375.25991 | 187080.826 | 0 | 275022.983 | 0 | 0 | 0 | 511089.03709
280 | Industrie de la fabrication | 31430.145510000002 | 0 | 261486.88496999998 | 1755736.334 | 390201.23 | 175938.944 | 0 | 0 | 0 | 2614793.53848
290 | Autres industries | 0 | 0 | 14286.592869999999 | 77043.858 | 1146016.45 | 132416.394 | 0 | 0 | 0 | 1369763.29487
300 | Production et distribution de l'électricité | 1026559.05192 | 0 | 334960.71611000004 | 455246.279 | 0 | 3484.422 | 0 | 89530.27228 | 0 | 1909780.74131
400 | Production et distribution de gaz | 0 | 0 | 0 | 336812.017 | 65274.55 | 127478.815 | 0 | 0 | 0 | 529565.382
500 | Traitement et distribution de l'eau | 0 | 0 | 344372.56169999996 | 270133.423 | 38715.3 | 7035.755 | 0 | 0 | 0 | 660257.0397
600 | Entrep/ batiment et corps/ métiers corresp. | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001
700 | Commerce de gros(1) | 3178016.0804000003 | 248573.93335 | 2815102.98311 | 4986794.818 | 8362650.75 | 1545884.677 | 0 | 102210.0335 | 0 | 21239233.275360003
800 | Commerce de détail(2) | 640763.91258 | 336087.6155 | 1034421.73729 | 6813508.613 | 6759646.12 | 776339.653 | 0 | 69676.70009999999 | 0 | 16430444.35147
900 | Rest/débits/boissons, casinos/activités/loterie | 97885.77997 | 34.29018 | 1929.3141799999999 | 2559.367 | 13811.87 | 17217.297 | 0 | 0 | 0 | 133437.91833
1000 | Hotels,motels et pensions | 1812083.8661300002 | 0 | 131228.54258 | 688174.233 | 872662.34 | 258048.3 | 173187.4 | 0 | 0 | 3935384.6817099997
1100 | Transport | 928436.11628 | 121958.20726000001 | 249095.21922 | 239791.074 | 349839.11 | 51131.733 | 0 | 0 | 0 | 1940251.45976
1200 | Immobilier résidentiel / Avance Hypothécaire | 2151349.1525100004 | 210231.65282 | 1755745.8927200001 | 432717.997 | 2772863.44 | 953815.529 | 3170457.8 | 0 | 0 | 11447181.46405
1300 | Immobilier commercial | 3113565.6451999997 | 51918.20269 | 1545758.7623299998 | 6064286.379 | 154866.65 | 96174.588 | 903162.52 | 0 | 0 | 11929732.74722
1400 | Télécommunications | 1319651.38919 | 0 | 13542.6569 | 50764.484 | 1073933.85 | 34344.56 | 0 | 0 | 0 | 2492236.94009
1500 | Services financiers | 158746.44713 | 0 | 167426.26632 | 592574.02 | 1036533.41 | 1869972.489 | 0 | 58134.25836 | 0 | 3883386.89081
1510 | Services professionnels | 350305.10968 | 7730.82381 | 288521.98436 | 95522.377 | 312725.89 | 293957.064 | 0 | 0 | 0 | 1348763.2488499999
1520 | Services médicaux | 1156.79087 | 0 | 13260.4141 | 3919.212 | 42439.21 | 40933.645 | 0 | 0 | 0 | 101709.27197
1530 | Services d'agence ou de représentation | 1420.9521599999998 | 775.39098 | 14905.35161 | 20135.457 | 18054.57 | 2333.098 | 0 | 0 | 0 | 57624.819749999995
1540 | Services d'enseignement | 184749.22172 | 0 | 26109.10945 | 35733.943 | 40112.33 | 5472.254 | 0 | 0 | 0 | 292176.85817
1550 | Autres services | 3385203.8818 | 9500.61441 | 164387.2754 | 139497.758 | 1091845.04 | 170677.02 | 0 | 0 | 0 | 4961111.589609999
1560 | Crédit à la consommation | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 24617365.626319997 | 1081270.13673 | 13760430.835709997 | 34111123.87500001 | 34006206.78 | 8501114.916 | 4325559.459999999 | 495564.43064000004 | 0 | 120898636.06039998
(1) Commerce de gros
Import-export | 892104 | 40284.00969 | 971287.42856 | 1147790.135 | 1697163.46 | 150038 | 0 | 0 | 4898667.03325
Produits pétroliers | 321619 | 465185.71355 | 571905.106 | 316412.64 | 196098 | 54383.4225 | 0 | 1925603.8820500004
Produits pharmaceutiques | 0 | 22432.6165 | 54787.442 | 77043.61 | 12614 | 0 | 166877.6685
Produits alimentaires | 428392 | 8425.87964 | 425244.57588 | 1982644.661 | 2290598.14 | 780233 | 0 | 5915538.25652
Matériaux de construction | 0 | 108952.33812 | 774327.52341 | 321195.638 | 2455958.27 | 386292 | 0 | 4046725.76953
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1535900 | 90911.7059 | 156625.1252 | 908471.837 | 1525474.63 | 20609 | 47826.611 | 0 | 4285818.9091
S-Total | 3178015 | 248573.93335 | 2815102.9831 | 4986794.819 | 8362650.750000001 | 1545884 | 0 | 102210.03349999999 | 0 | 21239231.51895
(2) Commerce de détail
Produits pétroliers | 140376 | 4910.85576 | 89305.22299 | 79154.028 | 247726.63 | 15655 | 54383.4225 | 631511.1592499999
Produits pharmaceutiques | 780 | 993.32416 | 4058.949 | 4014.31 | 47530 | 0 | 57376.58316
Véhicules automobiles | 47284 | 173700.51208 | 1227481.382 | 3106748.43 | 403555 | 0 | 4958769.32408
Produits alimentaires | 65371 | 621842.17585 | 524193.742 | 1321637.24 | 117717 | 15293.2776 | 0 | 2666054.43545
Librairie ,papeterie | 898 | 2978.9453 | 17697.821 | 117380.21 | 0 | 0 | 138954.9763
Appareils électro- ménagers électroni.équip. inform. | 0 | 40183.3653 | 214235.762 | 610966.3 | 132335 | 0 | 997720.4273000001
Matériaux de construction | 17764 | 30388.73357 | 133608.24 | 485030.83 | 1 | 0 | 666792.80357
Autres | 368290 | 331176.75974 | 75029.45742 | 4613078.689 | 866142.16 | 59547 | 0 | 6313264.066160001
S-Total | 640763 | 336087.6155 | 1034421.73667 | 6813508.613 | 6759646.11 | 776340 | 0 | 69676.7001 | 0 | 16430443.775270002
[Secteur d'activitésept. 20% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.007540706108614086 | 0.0006233758253736222 | 0.04219832747838158 | 0 | 0 | 0 | 0.012903639906083146
200 | Industrie alimentaire | 0.0585696686817068 | 0.0011184370944131402 | 0.04392420173585458 | 0.02653176211128282 | 0.06432597037804638 | 0.047289271933422715 | 0.002873609787345289 | 0.1910545371017147 | 0.046725821044480274
210 | Industrie des boissons | 0.03148952061390338 | 0 | 0.07566118997510886 | 0.037481943798898056 | 0.08584644176535822 | 0.025977492620922006 | 0 | 0 | 0.05157229680271195
220 | Industrie du bois | 0.0014810007704894332 | 0 | 8.45545683773619e-05 | 1.1226777558058395e-05 | 0 | 0.00043917968841629526 | 0 | 0 | 0.00034523400023427786
230 | Industrie chimique | 9.411477796482412e-06 | 0 | 0.0009674621106667629 | 0.007760916965682941 | 0.0006132604008120425 | 0.006613879303546166 | 0 | 0.1641226215427962 | 0.0036120450732945613
240 | Industrie du textile | 1.4000593127296465e-05 | 0 | 0.029257120105224348 | 0.03250894526558603 | 0.000240849855821526 | 0.0075034154496541805 | 0 | 0 | 0.013100476010239946
250 | Industrie pharmacie | 0 | 0 | 0.0018450002127923966 | 0 | 0.002600052119073776 | 0.000508334970495063 | 0 | 0 | 0.00097707737381739
260 | Imprimerie, édition | 0.0030583493426081408 | 0 | 0.0005168752544827584 | 0.004149119522377507 | 0.005006499287069264 | 0.006667009158213807 | 0 | 0 | 0.0037292490292839485
270 | Sidérurgie, aciérie | 0.0008372125796419324 | 0 | 0.0020620909511323395 | 0.0054844521302070395 | 0 | 0.03235140163584633 | 0 | 0 | 0.004227417725661223
280 | Industrie de la fabrication | 0.0012767469105790924 | 0 | 0.019002812345919405 | 0.0514710784796738 | 0.01147441208378137 | 0.020695984672417997 | 0 | 0 | 0.021627982115312454
290 | Autres industries | 0 | 0 | 0.0010382373226951985 | 0.0022586138845007487 | 0.033700214123087796 | 0.0155763561966182 | 0 | 0 | 0.011329849033083197
300 | Production et distribution de l'électricité | 0.04170060547918418 | 0 | 0.024342313122982757 | 0.013345977126647807 | 0 | 0.00040987823766997297 | 0 | 0.1806632331629926 | 0.015796544969753745
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.009873964230385533 | 0.0019194892985944492 | 0.014995540733142115 | 0 | 0 | 0.0043802428154394845
500 | Traitement et distribution de l'eau | 0 | 0 | 0.025026292113348017 | 0.007919217906448998 | 0.0011384774623781195 | 0.0008276273253003513 | 0 | 0 | 0.005461244735384284
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03208289727742347 | 0.06781857571852187 | 0.1012561674678196 | 0.08822648280450418 | 0.02219087723844041 | 0.06709529992665729 | 0 | 0 | 0.054516512478331065
700 | Commerce de gros(1) | 0.12909651376352718 | 0.22989068587591124 | 0.2045795670731809 | 0.14619262725772617 | 0.24591542373724282 | 0.18184493354989015 | 0 | 0.20624973702814015 | 0.17567802224624812
800 | Commerce de détail(2) | 0.02602893917677846 | 0.31082668806187813 | 0.07517364460751835 | 0.19974447743111773 | 0.1987768339977141 | 0.09132209841544979 | 0 | 0.14060068841102163 | 0.13590264445383388
900 | Rest/débits/boissons, casinos/activités/loterie | 0.003976289805166807 | 3.1712870664958056e-05 | 0.00014020739634061416 | 7.503027485634258e-05 | 0.00040615732561278037 | 0.0020252987014203537 | 0 | 0 | 0.001103717317897081
1000 | Hotels,motels et pensions | 0.07360998303541406 | 0 | 0.009536659436523305 | 0.02017448136630766 | 0.025661854779793818 | 0.030354642014581608 | 0.04003815034830201 | 0 | 0.03255110901122088
1100 | Transport | 0.03771468200022791 | 0.1127916171150612 | 0.01810228343821674 | 0.007029703122028838 | 0.010287507579520752 | 0.006014709071131912 | 0 | 0 | 0.01604858022377247
1200 | Immobilier résidentiel | 0.08739152617572758 | 0.19443027757687548 | 0.1275938169147746 | 0.012685539139246547 | 0.08153992175424865 | 0.11219887490343392 | 0.7329590147397952 | 0 | 0.09468412413131842
1300 | Immobilier commercial | 0.12647842553352207 | 0.048015940629796854 | 0.11233360210776012 | 0.1777803159234078 | 0.004554070114373397 | 0.011313173501394415 | 0.20879669516784316 | 0 | 0.09867549491013283
1400 | Télécommunications | 0.05360652350952924 | 0 | 0.0009841739013618058 | 0.0014882090717979893 | 0.03158052460680826 | 0.004040006556711743 | 0 | 0 | 0.020614268459115608
1500 | Services financiers | 0.006448555444140376 | 0 | 0.012167225599180253 | 0.017371870307512697 | 0.030480712438930833 | 0.21996791097136137 | 0 | 0.11730918275333466 | 0.032121014904335984
1510 | Services professionnels | 0.014229999870719979 | 0.00714976169912518 | 0.020967510959849472 | 0.0028003292225152452 | 0.009196141516845767 | 0.03457864843665878 | 0 | 0 | 0.011156149422365433
1520 | Services médicaux | 4.6990847337588436e-05 | 0 | 0.0009636627121868603 | 0.00011489542280582508 | 0.0012479842363647474 | 0.004815091362070467 | 0 | 0 | 0.0008412772491427188
1530 | Services d'agence ou de représentation | 5.772153615335547e-05 | 0.0007171112506121309 | 0.0010832038464463477 | 0.0005902900494802296 | 0.0005309198440391299 | 0.0002744461194859115 | 0 | 0 | 0.0004766374677809525
1540 | Services d'enseignement | 0.007504833154140296 | 0 | 0.0018974049404211731 | 0.0010475744842341403 | 0.0011795590804791313 | 0.0006437101549704542 | 0 | 0 | 0.002416709300376481
1550 | Autres services | 0.137512840861439 | 0.00878653177154412 | 0.011946375615899684 | 0.00408950929061114 | 0.03210722816171736 | 0.020077015978076918 | 0 | 0 | 0.041035298257057824
1560 | Crédit à la consommation | 0.12577676155971604 | 0.018422660335595788 | 0.07000563805532156 | 0.12116807080722429 | 0.05528028933546348 | 0.033578768411039794 | 0.015332529956714552 | 0 | 0.08638931953229056
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.03623880855253637 | 0.037256193731409024 | 0.07058553908351406 | 0.03364855814209082 | 0.04990746162839159 | 0.01764921442452361 | 0 | 0 | 0.040518794858882164
Produits pétroliers | 0.013064720444990938 | 0 | 0.03380604278339791 | 0.01676594145932402 | 0.009304555549138492 | 0.023067327278557637 | 0 | 0.10974036701900934 | 0.01592742436802996
Produits pharmaceutiques | 0 | 0 | 0.0016302263183347882 | 0.0016061459071465434 | 0.002265574943375087 | 0.0014838053743114466 | 0 | 0 | 0.0013803105968592504
Produits alimentaires | 0.017402024509965388 | 0.007792575928788455 | 0.03090343470761384 | 0.058123111635529474 | 0.06735823712473468 | 0.0917800791672065 | 0 | 0 | 0.04892973526653059
Matériaux de construction | 0 | 0.10076329163172486 | 0.05627204065446306 | 0.009416155245339302 | 0.0722208826726425 | 0.04544015741664161 | 0 | 0 | 0.03347205478404478
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.062390916368316486 | 0.08407862458398889 | 0.01138228352513053 | 0.02663271489761197 | 0.04485871181896048 | 0.002424270252036198 | 0 | 0.09650937000913079 | 0.03544968784394589
S-Total | 0.1290964698758092 | 0.22989068587591122 | 0.20457956707245417 | 0.14619262728704213 | 0.24591542373724282 | 0.181844853913277 | - | 0.20624973702814015 | 0.17567800771829264
(2) Commerce de détail
Produits pétroliers | 0.005702316085760007 | 0.004541747333234888 | 0.006490001952427394 | 0.0023204755225907955 | 0.00728474750514353 | 0.0018415231595723556 | 0 | 0.10974036701900934 | 0.005223476292441397
Produits pharmaceutiques | 3.168495004055398e-05 | 0 | 7.218699558608315e-05 | 0.00011899194570293235 | 0.00011804639152994058 | 0.0055910313493755396 | 0 | 0 | 0.0004745842056591534
Véhicules automobiles | 0.001920757920150711 | 0 | 0.012623188485437968 | 0.03598478274999374 | 0.09135827615525662 | 0.047470832236424274 | 0 | 0 | 0.041015924460906565
Produits alimentaires | 0.0026554831655141724 | 0 | 0.045190603642746685 | 0.015367237500614304 | 0.03886458870729716 | 0.013847242527970552 | 0 | 0.03086032139201232 | 0.022051981083707685
Librairie ,papeterie | 3.6478314277458304e-05 | 0 | 0.0002164863393862112 | 0.0005188284345263308 | 0.0034517289963970515 | 0 | 0 | 0 | 0.0011493510665461868
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.002920211276795147 | 0.006280524874673304 | 0.017966317265333057 | 0.015566781687767978 | 0 | 0 | 0.008252536668830135
Matériaux de construction | 0.0007216044263082063 | 0 | 0.002208414397254011 | 0.003916852475738018 | 0.014263008901223884 | 1.1763162948402145e-07 | 0 | 0 | 0.005515304599771297
Autres | 0.014960577244148239 | 0.30628494072864326 | 0.005452551472828119 | 0.1352367839272783 | 0.025470119781468906 | 0.007004610640885025 | 0 | 0 | 0.052219481309995465
S-Total | 0.026028902106199348 | 0.31082668806187813 | 0.07517364456246163 | 0.19974447743111773 | 0.19877683370365018 | 0.0913221392336252 | - | 0.14060068841102166 | 0.1359026396878579
[Secteur d'activitésept 20 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2020
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3818779.9929800006 | 584661.54885 | 3849524.7204 | 11800303.431 | 15122296.870000001 | 2322224.33 | 0 | 171886.73359999998 | 0 | 37669677.62683
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 5991552.04946 | 18041.11938 | 807768.258 | 1578116.367 | 3428184.66 | 2658611.167000001 | 173187.4 | 58134.25836 | 0 | 14713595.279200003
Industries Manufacturières ( 200 à 290 ) | 2381383.28954 | 1209.3326299999999 | 2399262.4537699996 | 5719004.817 | 6930726.79 | 1390972.193 | 12429.97 | 176013.1664 | 0 | 19011002.012339998
Prêts aux Particuliers ( 1560 ) | 3096292.52661 | 19919.872460000002 | 963307.74057 | 4133179.073 | 1879872.95 | 285456.969 | 66321.77 | 0 | 0 | 10444350.90164
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5264914.79771 | 262149.85550999996 | 3301504.65505 | 6497004.376 | 2927730.09 | 1049990.117 | 4073620.32 | 0 | 0 | 23376914.211269997
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2248087.50547 | 121958.20726000001 | 262637.87612 | 290555.55799999996 | 1423772.96 | 85476.293 | 0 | 0 | 0 | 4432488.39985
Bâtiments et Travaux Publics ( 600 ) | 789796.41263 | 73330.20064 | 1393328.4891300001 | 3009504.484 | 754627.56 | 570384.855 | 0 | 0 | 0 | 6590972.001400001
Électricité, Gaz et Eau ( 300 à 500 ) | 1026559.05192 | 0 | 679333.27781 | 1062191.719 | 103989.85 | 137998.992 | 0 | 89530.27228 | 0 | 3099603.1630100003
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 103763.36486 | 21264.05 | 1435005.05 | 0 | 0 | 0 | 0 | 1560032.46486
Total | 24617365.62632 | 1081270.13673 | 13760430.835709998 | 34111123.875 | 34006206.78 | 8501114.916000001 | 4325559.46 | 495564.43064000004 | 0 | 120898636.0604
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.15512545294030564 | 0.5407173739377894 | 0.2797532116806992 | 0.345937104688844 | 0.44469225773495696 | 0.27316703196533987 | 0 | 0.3468504254391617 | #DIV/0! | 0.31158066670008194
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24338721455451143 | 0.01668511759194639 | 0.05870225050684771 | 0.04626398041832329 | 0.10081055738378357 | 0.3127367637386259 | 0.040038150348302 | 0.11730918275333466 | #DIV/0! | 0.12170191293017737
Industries Manufacturières ( 200 à 290 ) | 0.09673591096985254 | 0.0011184370944131402 | 0.17435954458225394 | 0.16765805893576702 | 0.20380770001305037 | 0.16362232562955273 | 0.002873609787345288 | 0.3551771586445108 | #DIV/0! | 0.15724744820811917
Prêts aux Particuliers ( 1560 ) | 0.125776761559716 | 0.018422660335595788 | 0.07000563805532155 | 0.12116807080722432 | 0.05528028933546348 | 0.03357876841103979 | 0.015332529956714549 | 0 | #DIV/0! | 0.08638931953229055
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2138699517092496 | 0.2424462182066723 | 0.2399274190225347 | 0.1904658550626544 | 0.08609399186862204 | 0.12351204840482831 | 0.9417557099076381 | 0 | #DIV/0! | 0.1933596190414512
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09132120550975714 | 0.1127916171150612 | 0.01908645733957854 | 0.008517912193826829 | 0.041868032186329014 | 0.010054715627843654 | 0 | 0 | #DIV/0! | 0.03666284868288807
Bâtiments et Travaux Publics ( 600 ) | 0.032082897277423465 | 0.06781857571852187 | 0.10125616746781958 | 0.0882264828045042 | 0.02219087723844041 | 0.06709529992665728 | 0 | 0 | #DIV/0! | 0.05451651247833106
Électricité, Gaz et Eau ( 300 à 500 ) | 0.04170060547918417 | 0 | 0.04936860523633077 | 0.031139159263482347 | 0.0030579667609725684 | 0.016233046296112434 | 0 | 0.1806632331629926 | #DIV/0! | 0.025638032520577513
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007540706108614085 | 0.0006233758253736223 | 0.04219832747838158 | 0 | 0 | 0 | #DIV/0! | 0.012903639906083144
Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 0.9999999999999998 | #DIV/0! | 0.9999999999999999
[Secteur d' activitéjuin 20]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999
200 | Industrie alimentaire | 1446166 | 1209.3326299999999 | 651545.9562799999 | 793172.946 | 2712546.15 | 550575.742 | 11232.94 | 161826.05697 | 0 | 6328275.123880001
210 | Industrie des boissons | 187 | 0 | 1603453.33536 | 1180348.372 | 3545963.01 | 299448.6 | 0 | 0 | 0 | 6629400.317359999
220 | Industrie du bois | 62563 | 0 | 2182.06742 | 773.525 | 0 | 4604.07 | 0 | 0 | 0 | 70122.66242000001
230 | Industrie chimique | 308 | 0 | 12822.91841 | 601363.09 | 976.22 | 68251.166 | 0 | 79706.66683 | 0 | 763428.06124
240 | Industrie du textile | 801 | 0 | 419948.56712 | 1716604.049 | 7703.9 | 276350.702 | 0 | 0 | 0 | 2421408.2181200003
250 | Industrie pharmacie | 0 | 0 | 128544.44072 | 0 | 51681.55 | 11513.829 | 0 | 0 | 0 | 191739.81972
260 | Imprimerie, édition | 95853 | 0 | 6005.12723 | 102239.726 | 113001.47 | 48125.398 | 0 | 0 | 0 | 365224.72122999997
270 | Sidérurgie, aciérie | 871 | 0 | 81486.85698000001 | 226698.564 | 0 | 218893.067 | 0 | 0 | 0 | 527949.4879800001
280 | Industrie de la fabrication | 33985 | 50.45233 | 428288.62489 | 2449521.502 | 703647.38 | 320477.775 | 0 | 0 | 0 | 3935970.7342199995
290 | Autres industries | 0 | 0 | 42085.785619999995 | 133555.365 | 894965.47 | 211928.527 | 0 | 0 | 0 | 1282535.14762
300 | Production et distribution de l'électricité | 1729544 | 0 | 334959.19423 | 1812502.799 | 0 | 6310.847 | 0 | 126020.19311 | 0 | 4009337.03334
400 | Production et distribution de gaz | 0 | 0 | 0 | 603638.716 | 81351.47 | 220064.755 | 0 | 0 | 0 | 905054.941
500 | Traitement et distribution de l'eau | 0 | 0 | 390754.08341 | 84168.318 | 35782.85 | 0 | 0 | 0 | 0 | 510705.25141
600 | Entrep/ batiment et corps/ métiers corresp. | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496
700 | Commerce de gros(1) | 3267195 | 355252.30939999997 | 3526119.0043699997 | 8472334.348 | 10351920.34 | 2482739.552 | 0 | 125005.3153 | 0 | 28580565.869069997
800 | Commerce de détail(2) | 610060 | 488227.61473000003 | 1376000.73142 | 6569841.476 | 8476138.56 | 1093342.875 | 0 | 0 | 0 | 18613611.25715
900 | Rest/débits/boissons, casinos/activités/loterie | 156013 | 34.29018 | 2751.40477 | 2998.82 | 14796.49 | 21260.707 | 0 | 0 | 0 | 197854.71195
1000 | Hotels,motels et pensions | 1908215 | 0 | 138823.57815000002 | 927154.415 | 1138830.9 | 366691.824 | 182892.34 | 0 | 0 | 4662608.05715
1100 | Transport | 2276985 | 139495.27721 | 404963.37520999997 | 308618.198 | 482920.97 | 84827.807 | 0 | 0 | 0 | 3697810.62742
1200 | Immobilier résidentiel / Avance Hypothécaire | 2202905 | 244881.32452000002 | 1861197.2661 | 519811.802 | 3176117.14 | 1133566.539 | 3847947.41 | 0 | 0 | 12986426.48162
1300 | Immobilier commercial | 3450007 | 57631.9491 | 1598732.2311600002 | 6716277.417 | 3666677.43 | 160284.48 | 1394622.88 | 0 | 0 | 17044233.38726
1400 | Télécommunications | 2267603 | 0 | 21836.45346 | 65792.537 | 1211777.99 | 35307.464 | 0 | 0 | 0 | 3602317.4444600004
1500 | Services financiers | 147152 | 0 | 341596.10394999996 | 593089.45 | 754976.52 | 1785620.707 | 0 | 142453.52453999998 | 0 | 3764888.3054899997
1510 | Services professionnels | 1033745 | 7730.82381 | 295990.13444 | 112901.666 | 268725.31 | 507917.983 | 0 | 0 | 0 | 2227010.91725
1520 | Services médicaux | 1361 | 0 | 20343.73127 | 4374.659 | 2430.5 | 29265.131 | 0 | 0 | 0 | 57775.02127
1530 | Services d'agence ou de représentation | 332 | 775.39098 | 18453.79668 | 38501.762 | 27903.82 | 4358.514 | 0 | 0 | 0 | 90325.28365999999
1540 | Services d'enseignement | 184328 | 0 | 28427.56297 | 76104.427 | 29582.57 | 8420.13 | 0 | 0 | 0 | 326862.68997
1550 | Autres services | 58638 | 10374.469550000002 | 212922.66759 | 122798.496 | 1722988.91 | 216825.56 | 0 | 0 | 0 | 2344548.10314
1560 | Crédit à la consommation | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 24893714 | 1437386.05913 | 17176865.26148 | 42467615.83300001 | 42887602.28000001 | 11404122.992000002 | 5525516.96 | 635011.7567500001 | 0 | 146427835.14236003
(1) Commerce de gros
Import-export | 591791 | 43655.47777 | 1043755.79298 | 1873384.304 | 2800657.33 | 131016 | 0 | 6484259.904750001
Produits pétroliers | 470304 | 0 | 317144.34985 | 2429165.901 | 543903.84 | 387526 | 98716.6297 | 0 | 4246760.72055
Produits pharmaceutiques | 0 | 0 | 30078.18817 | 71040.589 | 86306.5 | 12535 | 0 | 199960.27717000002
Produits alimentaires | 435232 | 9861.4907 | 804906.61799 | 2487432.629 | 2646321.4 | 996818 | 0 | 7380572.13769
Matériaux de construction | 0 | 180104.73089 | 1040341.75969 | 392876.018 | 3158410.67 | 822404 | 0 | 5594137.17858
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1769867 | 121630.61004 | 289892.29569 | 1218434.906 | 1116320.6 | 32612 | 26288.6856 | 0 | 4575046.09733
S-Total | 3267194 | 355252.3094 | 3526119.00437 | 8472334.347000001 | 10351920.34 | 2382911 | 0 | 125005.3153 | 0 | 28480736.31607
(2) Commerce de détail
Produits pétroliers | 100898 | 4910.85576 | 65604.18463 | 26082.376 | 170636 | 29952 | 398083.41639
Produits pharmaceutiques | 1094 | 0 | 946.7156 | 4208.249 | 859.28 | 41624 | 0 | 48732.2446
Véhicules automobiles | 34804 | 0 | 270960.12985 | 1860673.37 | 4336398.03 | 552894 | 0 | 7055729.5298500005
Produits alimentaires | 113458 | 0 | 845997.42634 | 852566.569 | 1326136.93 | 169789 | 0 | 3307947.9253399996
Librairie ,papeterie | 478 | 0 | 0 | 29918.831 | 180128.02 | 0 | 0 | 210524.851
Appareils électro- ménagers électroni.équip. inform. | 30535 | 0 | 70611.37865 | 312193.331 | 686831.95 | 194703 | 0 | 1294874.6596499998
Matériaux de construction | 0 | 0 | 30770.39849 | 222624.362 | 874853.86 | 28 | 0 | 1128276.62049
Autres | 328793 | 483316.75897 | 91110.49785 | 3261574.39 | 900294.49 | 104354 | 0 | 5169443.136820001
S-Total | 610060 | 488227.61473000003 | 1376000.7314100002 | 6569841.478 | 8476138.56 | 1093344 | 0 | 0 | 0 | 18613612.38414
[Secteur d'activitéjuin 20% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.00736419763585553 | 0.0002212475510032948 | 0.017355681605616676 | 0 | 0 | 0 | 0.006011379296116888
200 | Industrie alimentaire | 0.05809362154638717 | 0.0008413415604795604 | 0.03793159848212381 | 0.01867712444981794 | 0.06324779203767601 | 0.0482786569722397 | 0.002032921097033426 | 0.25483946596237567 | 0.04321770596230919
210 | Industrie des boissons | 0 | 0 | 0.09334959033274984 | 0.02779408141586312 | 0.08268037431539059 | 0.026257924455046943 | 0 | 0 | 0.045274181038835716
220 | Industrie du bois | 0.0025132047391562386 | 0 | 0.00012703525275321322 | 1.8214467302374963e-05 | 0 | 0.00040371977777070247 | 0 | 0 | 0.0004788888830585071
230 | Industrie chimique | 1.2372601372378586e-05 | 0 | 0.0007465226171830114 | 0.014160509795624152 | 2.276228905562402e-05 | 0.0059847798947694816 | 0 | 0.1255199860203218 | 0.005213681268303804
240 | Industrie du textile | 3.2176797724919634e-05 | 0 | 0.024448498647873556 | 0.04042148388434113 | 0.0001796300000569768 | 0.02423252556938049 | 0 | 0 | 0.0165365295182153
250 | Industrie pharmacie | 0 | 0 | 0.007483579731411615 | 0 | 0.0012050463829287308 | 0.0010096198548609969 | 0 | 0 | 0.0013094492555570925
260 | Imprimerie, édition | 0.003850490127748716 | 0 | 0.00034960553853017674 | 0.0024074750605743516 | 0.0026348283418188793 | 0.004219999910011493 | 0 | 0 | 0.0024942301501276807
270 | Sidérurgie, aciérie | 3.49887525822784e-05 | 0 | 0.0047439888326270135 | 0.005338151425582054 | 0 | 0.019194204337637678 | 0 | 0 | 0.0036055268280564086
280 | Industrie de la fabrication | 0.0013652040832476825 | 3.5100055186660884e-05 | 0.0249340387998769 | 0.05767975088671136 | 0.01640677824342107 | 0.02810192201757341 | 0 | 0 | 0.026879935296409807
290 | Autres industries | 0 | 0 | 0.0024501435494391124 | 0.003144875509969624 | 0.020867696546825926 | 0.018583500646973727 | 0 | 0 | 0.008758820659836252
300 | Production et distribution de l'électricité | 0.06947713788308164 | 0 | 0.019500600903074157 | 0.04267964573588262 | 0 | 0.0005533829304039479 | 0 | 0.19845332274629573 | 0.0273809759561223
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014214094767498926 | 0.001896852835672211 | 0.01929694682829846 | 0 | 0 | 0.006180894091072833
500 | Traitement et distribution de l'eau | 0 | 0 | 0.022748858855304994 | 0.0019819412121222946 | 0.0008343401845219684 | 0 | 0 | 0 | 0.0034877607178545136
600 | Entrep/ batiment et corps/ métiers corresp. | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264722 | 0.1040958450642486 | 0.018413269290371712 | 0.0831068693896808 | 0 | 0 | 0.06286858394109307
700 | Commerce de gros(1) | 0.13124578357411834 | 0.2471516313543641 | 0.20528303335286108 | 0.1995010593793792 | 0.24137325916276423 | 0.2177054345820054 | 0 | 0.19685511956468196 | 0.19518533372622363
800 | Commerce de détail(2) | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094284172 | 0.15470238550323373 | 0.1976361024955858 | 0.0958725958819438 | 0 | 0 | 0.12711798435764265
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006267164473730195 | 2.385592915848555e-05 | 0.00016018084371716918 | 7.061427728348546e-05 | 0.00034500623055115675 | 0.00186430004437118 | 0 | 0 | 0.0013512097051605095
1000 | Hotels,motels et pensions | 0.07665449197335521 | 0 | 0.008082008913542507 | 0.021832033581681377 | 0.026553848652226396 | 0.032154320350388586 | 0.03309958892968451 | 0 | 0.03184236147872377
1100 | Transport | 0.09146827186975796 | 0.09704788516902109 | 0.02357609313721236 | 0.007267142078651474 | 0.011260153152119742 | 0.007438345505349841 | 0 | 0 | 0.025253467852098716
1200 | Immobilier résidentiel | 0.08849242021499885 | 0.1703657294883034 | 0.10835488535116067 | 0.012240192716353846 | 0.07405676631824985 | 0.09939971182310096 | 0.6963959097141202 | 0 | 0.08868823655689739
1300 | Immobilier commercial | 0.13858948487959652 | 0.0400949687343445 | 0.09307473784202284 | 0.15815056450098688 | 0.08549504367395937 | 0.01405495890498898 | 0.25239681465026215 | 0 | 0.11640022793951206
1400 | Télécommunications | 0.09109138957730453 | 0 | 0.0012712711619721072 | 0.0015492401847733363 | 0.02825473856264272 | 0.0030960262375956662 | 0 | 0 | 0.024601316006330056
1500 | Services financiers | 0.005911211159572252 | 0 | 0.019886987453761235 | 0.013965687462471866 | 0.01760360756637757 | 0.15657676686340666 | 0 | 0.22433210570632472 | 0.025711561615520035
1510 | Services professionnels | 0.04152634677171916 | 0.005378390698097629 | 0.017231906400510286 | 0.0026585355402096366 | 0.006265804001948508 | 0.04453810111977087 | 0 | 0 | 0.015208931519644853
1520 | Services médicaux | 5.4672436583789785e-05 | 0 | 0.001184368099784881 | 0.00010301164579624491 | 5.667138918450163e-05 | 0.0025661886512912484 | 0 | 0 | 0.00039456310484840525
1530 | Services d'agence ou de représentation | 1.3336700180615877e-05 | 0.0005394451790281849 | 0.0010743401894979978 | 0.0009066146343464309 | 0.0006506267199976467 | 0.00038218756523912447 | 0 | 0 | 0.0006168586974749983
1540 | Services d'enseignement | 0.007404600213531818 | 0 | 0.001654991323344095 | 0.0017920579130053743 | 0.000689769733613562 | 0.000738340861976561 | 0 | 0 | 0.0022322442290580724
1550 | Autres services | 0.0023555344132257646 | 0.007217594385379882 | 0.012395897874770549 | 0.002891579703529715 | 0.040174521735935095 | 0.019012909642600596 | 0 | 0 | 0.016011628532652852
1560 | Crédit à la consommation | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155034 | 0.0895348396517553 | 0.0438390285314873 | 0.02537575938132253 | 0.016074765608899696 | 0 | 0.06968553181524241
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 0.9999924880634526 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999996 | 0.9999999999999999 | 1 | 0.9999999999999998
(1) Commerce de gros
Import-export | 0.023772708242731477 | 0.030371435351490155 | 0.06076520815009685 | 0.04411324410974497 | 0.06530225942022515 | 0.011488476587976804 | 0 | 0 | 0.04428297323692504
Produits pétroliers | 0.01889248024621798 | 0 | 0.018463459136587188 | 0.0572004303361995 | 0.012682076196496566 | 0.033981218921599644 | 0 | 0.0006741657390756734 | 0.02900241416818882
Produits pharmaceutiques | 0 | 0 | 0.0017510871577628242 | 0.0016728179250598994 | 0.0020123880891389384 | 0.0010991638733459214 | 0 | 0 | 0.0013655892472602268
Produits alimentaires | 0.017483610521113885 | 0.006860711245501309 | 0.04685992500593483 | 0.058572457629399305 | 0.06170364532675384 | 0.08740856273641281 | 0 | 0 | 0.05040416072882907
Matériaux de construction | 0 | 0.12530017927056505 | 0.06056645050497192 | 0.009251190826086135 | 0.07364390877763939 | 0.07211462035063256 | 0 | 0 | 0.03820405575989886
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.07109694439327133 | 0.08461930548680763 | 0.01687690339750748 | 0.028690918529342052 | 0.02602898135251034 | 0.00285966750997664 | 0 | 0.04139873840217683 | 0.031244374356023567
S-Total | 0.13124574340333467 | 0.24715163135436413 | 0.2052830333528611 | 0.19950105935583184 | 0.24137325916276423 | 0.2089517099799444 | - | 0.042072904141252504 | 0.19450356749712558
(2) Commerce de détail
Produits pétroliers | 0.0040531517313969305 | 0.0034165182894374054 | 0.0038193339489668555 | 0.0006141709509327423 | 0.003978678940500564 | 0.0026264185348589576 | 0 | 0 | 0.0027186321234823657
Produits pharmaceutiques | 4.394683734214991e-05 | 0 | 5.51157376848649e-05 | 9.909313055266751e-05 | 2.0035626948553203e-05 | 0.0036499080226685783 | 0 | 0 | 0.0003328072463314202
Véhicules automobiles | 0.00139810395507878 | 0 | 0.01577471358861049 | 0.043813935242254395 | 0.10111075927464974 | 0.04848193941681052 | 0 | 0 | 0.048185712251979144
Produits alimentaires | 0.0045576967743744465 | 0 | 0.04925214312748861 | 0.020075687138939927 | 0.03092121870889537 | 0.014888387306863234 | 0 | 0 | 0.022590977474494157
Librairie ,papeterie | 1.920163459739274e-05 | 0 | 0 | 0.0007045093164083674 | 0.004200002108394854 | 0 | 0 | 0 | 0.0014377379191280373
Appareils électro- ménagers électroni.équip. inform. | 0.0012266148795635717 | 0 | 0.004110841971168606 | 0.007351327002383923 | 0.016014696870109098 | 0.017073035790352686 | 0 | 0 | 0.008843090921825739
Matériaux de construction | 0 | 0 | 0.0017913861476811018 | 0.005242214747242929 | 0.02039875893010636 | 2.455252369659816e-06 | 0 | 0 | 0.007705342494431247
Autres | 0.013207872477365169 | 0.3362470060844579 | 0.0053042564206590105 | 0.07680144802161348 | 0.020991952035981244 | 0.009150550206552874 | 0 | 0 | 0.03530369162252632
S-Total | 0.02450658828971844 | 0.3396635243738953 | 0.08010779094225953 | 0.15470238555032842 | 0.1976361024955858 | 0.09587269453047652 | - | 0 | 0.12711799205419844
[Secteur d'activitéjuin 20 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2020
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3877255 | 843479.9241299999 | 4902119.735789999 | 15042175.824 | 18828058.9 | 3576082.427 | 0 | 125005.3153 | 0 | 47194177.12622
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3489784 | 18914.974520000003 | 1059308.97982 | 1877923.695 | 3960235.0199999996 | 2940360.556 | 182892.34 | 142453.52453999998 | 0 | 13671873.089879999
Industries Manufacturières ( 200 à 290 ) | 1640734 | 1259.78496 | 3376363.6800300004 | 7204277.139 | 8030485.149999999 | 2010168.876 | 11232.94 | 241532.7238 | 0 | 22516054.293789998
Prêts aux Particuliers ( 1560 ) | 3061686 | 28433.47317 | 1053090.42628 | 3802331.174 | 1880150.82 | 289388.281 | 88821.39 | 0 | 0 | 10203901.564450001
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5652912 | 302513.27362 | 3459929.49726 | 7236089.2190000005 | 6842794.57 | 1293851.019 | 5242570.29 | 0 | 0 | 30030659.868880004
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4544588 | 139495.27721 | 426799.82866999996 | 374410.735 | 1694698.96 | 120135.27100000001 | 0 | 0 | 0 | 7300128.07188
Bâtiments et Travaux Publics ( 600 ) | 897211 | 103289.35152 | 2047046.00544 | 4420702.358 | 789700.97 | 947760.96 | 0 | 0 | 0 | 9205710.64496
Électricité, Gaz et Eau ( 300 à 500 ) | 1729544 | 0 | 725713.27764 | 2500309.833 | 117134.32 | 226375.602 | 0 | 126020.19311 | 0 | 5425097.225750001
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 126493.83055 | 9395.856 | 744343.57 | 0 | 0 | 0 | 0 | 880233.2565499999
Total | 24893714 | 1437386.05913 | 17176865.261480004 | 42467615.833 | 42887602.279999994 | 11404122.991999997 | 5525516.96 | 635011.75675 | 0 | 146427835.14236
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.15575237186383678 | 0.5868151557282594 | 0.2853908242957027 | 0.354203444882613 | 0.43900936165835014 | 0.31357803046394933 | 0 | 0.196855119564682 | #DIV/0! | 0.32230331808386636
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14018735814189878 | 0.013159286191664182 | 0.06167068109892871 | 0.04422013475832415 | 0.09233985602983447 | 0.25783311509904494 | 0.03309958892968451 | 0.22433210570632478 | #DIV/0! | 0.09336935888308351
Industries Manufacturières ( 200 à 290 ) | 0.0659095705847669 | 0.0008764416156662214 | 0.19656460178456822 | 0.16964166689578616 | 0.18724490815717387 | 0.1762668534362647 | 0.002032921097033426 | 0.38035945198269755 | #DIV/0! | 0.15376894886070977
Prêts aux Particuliers ( 1560 ) | 0.12299032599153345 | 0.019781375357995193 | 0.06130865034155033 | 0.08953483965175532 | 0.043839028531487315 | 0.02537575938132254 | 0.016074765608899696 | 0 | #DIV/0! | 0.06968553181524242
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.22708190509459536 | 0.21046069822264787 | 0.20142962319318347 | 0.1703907572173408 | 0.15955180999220928 | 0.11345467072808998 | 0.9487927243643823 | 0 | #DIV/0! | 0.2050884644964095
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.1825596614470625 | 0.09704788516902109 | 0.02484736429918446 | 0.008816382263424814 | 0.039514891714762475 | 0.010534371742945513 | 0 | 0 | #DIV/0! | 0.04985478385842878
Bâtiments et Travaux Publics ( 600 ) | 0.03604166899322456 | 0.07185915771474607 | 0.11917459759264719 | 0.10409584506424864 | 0.01841326929037172 | 0.08310686938968083 | 0 | 0 | #DIV/0! | 0.06286858394109308
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06947713788308164 | 0 | 0.04224945975837914 | 0.05887568171550386 | 0.0027311930201941803 | 0.01985032975870242 | 0 | 0.19845332274629576 | #DIV/0! | 0.03704963076504966
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007364197635855528 | 0.00022124755100329488 | 0.017355681605616683 | 0 | 0 | 0 | #DIV/0! | 0.006011379296116889
Total | 1 | 1 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activitémars 20 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522
200 | Industrie alimentaire | 1243884 | 1209.3326299999999 | 591255.1010599999 | 573744.954 | 1913350.97 | 391296.701 | 11885.69 | 182892.25616999998 | 0 | 4909519.004860001
210 | Industrie des boissons | 237 | 0 | 1382915.18714 | 709677.07 | 3467603.26 | 429391.277 | 0 | 0 | 0 | 5989823.794139999
220 | Industrie du bois | 54956 | 0 | 2110.51323 | 6797.559 | 0 | 567.7 | 0 | 0 | 0 | 64431.772229999995
230 | Industrie chimique | 368 | 0 | 86521.49491 | 572130.459 | 3275.34 | 55801.101 | 0 | 175720.01083 | 0 | 893816.4057400001
240 | Industrie du textile | 1089 | 0 | 379969.48713 | 1489898.06 | 96966.11 | 194716.222 | 0 | 0 | 0 | 2162638.8791300002
250 | Industrie pharmacie | 0 | 0 | 104023.18229000001 | 0 | 63006.65 | 41726.361 | 0 | 0 | 0 | 208756.19329000002
260 | Imprimerie, édition | 7883 | 0 | 8332.8557 | 58010.366 | 70014.31 | 37996.96 | 0 | 0 | 0 | 182237.49169999998
270 | Sidérurgie, aciérie | 13931 | 0 | 76828.00676999999 | 260651.093 | 0 | 203752.009 | 0 | 0 | 0 | 555162.1087699999
280 | Industrie de la fabrication | 35859 | 1774.11606 | 371723.85717000003 | 1840066.652 | 597992.65 | 311674.467 | 0 | 0 | 0 | 3159090.74223
290 | Autres industries | 0 | 0 | 65068.74748 | 106219.112 | 700002.75 | 138408.013 | 0 | 0 | 0 | 1009698.62248
300 | Production et distribution de l'électricité | 1468147 | 0 | 334973.96181 | 1831110.861 | 0 | 5689.781 | 0 | 0 | 0 | 3639921.60381
400 | Production et distribution de gaz | 0 | 0 | 0 | 530272.329 | 58704.91 | 190455.47 | 0 | 0 | 0 | 779432.709
500 | Traitement et distribution de l'eau | 0 | 0 | 280873.98708 | 74228.006 | 25812.81 | 0 | 0 | 0 | 0 | 380914.80308
600 | Entrep/ batiment et corps/ métiers corresp. | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995
700 | Commerce de gros(1) | 3050434 | 320720.70177 | 3513709.63175 | 7446698.863 | 9302432.83 | 2708220.159 | 0 | 102283.6032 | 0 | 26444499.78872
800 | Commerce de détail(2) | 368952 | 441584.78372 | 1033116.95574 | 6548283.915 | 7634890.93 | 1080846.076 | 0 | 207310.4448 | 0 | 17314985.10526
900 | Rest/débits/boissons, casinos/activités/loterie | 136647 | 34.29018 | 2870.8339100000003 | 3675.73 | 18805.96 | 22522.149 | 0 | 0 | 0 | 184555.96309
1000 | Hotels,motels et pensions | 1684564 | 0 | 142952.45309 | 855133.443 | 573791.14 | 333158.647 | 180466.42 | 0 | 0 | 3770066.10309
1100 | Transport | 1978085 | 134864.90372 | 362503.81329 | 286496.299 | 1380392.25 | 69683.819 | 0 | 0 | 0 | 4212026.08501
1200 | Immobilier résidentiel / Avance Hypothécaire | 2104796 | 250441.02992 | 1864722.5311500002 | 420442.784 | 2961199.14 | 616041.379 | 3606271.25 | 0 | 0 | 11823914.114070002
1300 | Immobilier commercial | 3411022 | 57262.897229999995 | 1475138.99907 | 6200878.609 | 3286048.67 | 123629.735 | 1168931.11 | 0 | 0 | 15722912.020299999
1400 | Télécommunications | 1960364 | 0 | 25543.57482 | 64120.655 | 1295546.03 | 32723.352 | 0 | 0 | 0 | 3378297.61182
1500 | Services financiers | 242946 | 0 | 524662.68235 | 597337.366 | 571633.43 | 1968742.352 | 0 | 123167.98354 | 0 | 4028489.81389
1510 | Services professionnels | 901840 | 8865.33452 | 224556.64953 | 123251.717 | 328527.61 | 525159.309 | 0 | 0 | 0 | 2112200.62005
1520 | Services médicaux | 1555 | 0 | 17600.029739999998 | 3240.235 | 2447.3 | 34034.738 | 0 | 0 | 0 | 58877.30274
1530 | Services d'agence ou de représentation | 0 | 775.39098 | 17313.649960000002 | 34373.616 | 32420.68 | 3596.484 | 0 | 0 | 0 | 88479.82094
1540 | Services d'enseignement | 181329 | 0 | 27794.951269999998 | 51290.09 | 3440 | 8012.816 | 0 | 0 | 0 | 271866.85727
1550 | Autres services | 60421 | 9682.29822 | 144180.50582 | 148532.267 | 540518.88 | 624683.811 | 0 | 0 | 0 | 1528018.76204
1560 | Crédit à la consommation | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 22873364 | 1362690.5206899997 | 16087988.99735 | 38668212.44399999 | 38749971.830000006 | 11250823.148 | 5057445.14 | 917394.4916500001 | 0 | 134967890.57169
(1) Commerce de gros
Import-export | 523857 | 42953.67873 | 825024.15054 | 1672942.952 | 2569024.75 | 320665 | 0 | 5954467.53127
Produits pétroliers | 512730 | 0 | 574399.86403 | 1979765.106 | 478448.88 | 471926 | 0 | 4017269.85003
Produits pharmaceutiques | 0 | 0 | 22266.94109 | 60280.018 | 71755.66 | 22126 | 0 | 176428.61909
Produits alimentaires | 202094 | 10159.88879 | 827785.59405 | 2180680.339 | 2046832.46 | 985866 | 0 | 6253418.28184
Matériaux de construction | 0 | 157074.10927 | 1007386.5573 | 377900.272 | 3011101.13 | 873462 | 0 | 5426924.068569999
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1811753 | 110533.02498 | 256846.52474 | 1175130.176 | 1125269.95 | 34176 | 102283.6032 | 0 | 4615992.2789199995
S-Total | 3050434 | 320720.70177 | 3513709.6317499997 | 7446698.863000001 | 9302432.83 | 2708221 | 0 | 102283.6032 | 0 | 26444500.62972
(2) Commerce de détail
Produits pétroliers | 106138 | 4910.85576 | 83565.46961 | 53012.978 | 172398.55 | 38736 | 195945.6 | 654707.45337
Produits pharmaceutiques | 1395 | 958.92298 | 0 | 630.36 | 37456 | 0 | 40440.28298
Véhicules automobiles | 192126 | 259941.18104 | 1885721.25 | 3544711.23 | 620888 | 0 | 6503387.661040001
Produits alimentaires | 233 | 506254.67156 | 815034.498 | 1381394.1 | 133577 | 11364.8448 | 0 | 2847858.11436
Librairie ,papeterie | 523 | 0 | 28301.578 | 158223.71 | 7 | 0 | 187055.288
Appareils électro- ménagers électroni.équip. inform. | 0 | 51156.20723 | 381709.484 | 630528.96 | 202312 | 0 | 1265706.65123
Matériaux de construction | 26402 | 31141.77092 | 200112.039 | 784380.32 | 9 | 0 | 1042045.12992
Autres | 42136 | 436673.92796 | 100098.73239 | 3184392.088 | 962623.7 | 47862 | 0 | 4773786.44835
S-Total | 368953 | 441584.78372 | 1033116.95573 | 6548283.915000001 | 7634890.930000001 | 1080847 | 0 | 207310.4448 | 0 | 17314987.029250003
[Secteur d'activitémars 20% ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2020
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828042 | 0.028598957306648444 | 0 | 0 | 0 | 0.00828841282531421
200 | Industrie alimentaire | 0.05438133192826381 | 0.0008874594866834863 | 0.036751336736828386 | 0.014837638404695017 | 0.049376835121172774 | 0.03477938421506152 | 0.0023501372078155655 | 0.19936053446435575 | 0.03637545925971366
210 | Industrie des boissons | 0 | 0 | 0.08595948116124351 | 0.01835298363035962 | 0.08948660079580759 | 0.03816532100376412 | 0 | 0 | 0.04437962072881642
220 | Industrie du bois | 0.0024026199207077717 | 0 | 0.00013118564603367406 | 0.00017579191202190557 | 0 | 5.045853023660025e-05 | 0 | 0 | 0.0004773859319952563
230 | Industrie chimique | 1.6088582335331173e-05 | 0 | 0.005378018030982725 | 0.014795885892800703 | 8.452496467272915e-05 | 0.004959734969251514 | 0 | 0.19154247428928303 | 0.006622437395694775
240 | Industrie du textile | 4.7609962399933825e-05 | 0 | 0.023618209037350055 | 0.03853030605326527 | 0.0025023530449363937 | 0.017306842302877518 | 0 | 0 | 0.01602335837042134
250 | Industrie pharmacie | 0 | 0 | 0.006465890939329622 | 0 | 0.0016259792465505901 | 0.00370873850305055 | 0 | 0 | 0.0015467100538191815
260 | Imprimerie, édition | 0.00034463666997123815 | 0 | 0.0005179550844653474 | 0.0015002081123871882 | 0.001806822216727273 | 0.0033772604457616524 | 0 | 0 | 0.0013502284945559116
270 | Sidérurgie, aciérie | 0.000609049023134507 | 0 | 0.00477548852020318 | 0.006740707069856918 | 0 | 0.01810996460612039 | 0 | 0 | 0.0041132902531000005
280 | Industrie de la fabrication | 0.001567718679246306 | 0.0013019214803825557 | 0.023105675745503686 | 0.047586028308518734 | 0.015432079605720838 | 0.02770237011995027 | 0 | 0 | 0.02340623928290564
290 | Autres industries | 0 | 0 | 0.004044554449329749 | 0.0027469361857321035 | 0.01806460022915583 | 0.012302034364890366 | 0 | 0 | 0.007481028400185933
300 | Production et distribution de l'électricité | 0.06418588013551482 | 0 | 0.020821369399567382 | 0.04735442228295006 | 0 | 0.0005057213081348134 | 0 | 0 | 0.026968796714479337
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013713391322858539 | 0.0015149665206866292 | 0.016928136501181808 | 0 | 0 | 0.005774949180123653
500 | Traitement et distribution de l'eau | 0 | 0 | 0.01745861382216667 | 0.0019196130699731296 | 0.0006661375165185506 | 0 | 0 | 0 | 0.0028222624023131783
600 | Entrep/ batiment et corps/ métiers corresp. | 0.0392971930145474 | 0.08075695395186117 | 0.11408679525839618 | 0.0994588166848854 | 0.016814765514114694 | 0.0784583184170766 | 0 | 0.13736750575354295 | 0.06187056794196912
700 | Commerce de gros(1) | 0.13336184393340655 | 0.2353584301794385 | 0.21840577043711154 | 0.19257934081603706 | 0.24006295722770332 | 0.24071306813505697 | 0 | 0.11149358768879848 | 0.19593178552845242
800 | Commerce de détail(2) | 0.016130202798329097 | 0.32405361086419177 | 0.0642166622509609 | 0.16934540029444972 | 0.19702958658899233 | 0.09606817757082389 | 0 | 0.2259774248558406 | 0.12828966231833427
900 | Rest/débits/boissons, casinos/activités/loterie | 0.005974066604282606 | 2.516358592018174e-05 | 0.00017844579023971744 | 9.50581826176542e-05 | 0.00048531544958286995 | 0.002001822329240296 | 0 | 0 | 0.0013674064424380305
1000 | Hotels,motels et pensions | 0.07364740927482288 | 0 | 0.008885663280447731 | 0.022114636000782808 | 0.014807524054914905 | 0.029611935288416998 | 0.03568331736763041 | 0 | 0.027933059390058995
1100 | Transport | 0.08647984616517274 | 0.09896957649027384 | 0.02253257466484539 | 0.007409090849878544 | 0.03562305170326106 | 0.006193664062027971 | 0 | 0 | 0.031207615879368922
1200 | Immobilier résidentiel | 0.09201952104640139 | 0.18378423135517882 | 0.115907745303478 | 0.010873085602518939 | 0.07641809787607269 | 0.05475522731947932 | 0.7130618622983225 | 0 | 0.08760538572535201
1300 | Immobilier commercial | 0.14912638123539676 | 0.04202193848167732 | 0.09169194479887968 | 0.16036113947548586 | 0.0848013176478224 | 0.010988505762974063 | 0.23113075429227498 | 0 | 0.11649372271954243
1400 | Télécommunications | 0.08570510223157381 | 0 | 0.0015877419374296885 | 0.0016582265108029159 | 0.033433470240538235 | 0.002908529586638917 | 0 | 0 | 0.025030380170501163
1500 | Services financiers | 0.010621349793585238 | 0 | 0.03261207366790355 | 0.01544776259996696 | 0.014751841175725571 | 0.1749865166398934 | 0 | 0.13425847294817905 | 0.029847764507738333
1510 | Services professionnels | 0.03942751927525833 | 0.00650575782644399 | 0.01395803102345413 | 0.003187416981803733 | 0.008478138034300604 | 0.04667741214058234 | 0 | 0 | 0.015649652751504452
1520 | Services médicaux | 6.798300416152168e-05 | 0 | 0.001093985689752713 | 8.379583112854176e-05 | 6.315617494475995e-05 | 0.003025088702603078 | 0 | 0 | 0.0004362319251683535
1530 | Services d'agence ou de représentation | 0 | 0.0005690147309510747 | 0.001076184845902859 | 0.0008889372905401433 | 0.0008366633179046622 | 0.00031966407725814513 | 0 | 0 | 0.0006555620048977706
1540 | Services d'enseignement | 0.007927517788813223 | 0 | 0.0017276833838323956 | 0.0013264148187423776 | 8.877425808440903e-05 | 0.0007121982004867258 | 0 | 0 | 0.002014307670649963
1550 | Autres services | 0.002641544112182187 | 0.007105280379507857 | 0.008961996794238813 | 0.0038411981731792523 | 0.013948884462969683 | 0.05552338729198199 | 0 | 0 | 0.011321350252772694
1560 | Crédit à la consommation | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977287 | 0.05319659970447002 | 0.019160517605178163 | 0.017773928833956665 | 0 | 0.07871536547781263
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 0.9999896386032242 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1
(1) Commerce de gros
Import-export | 0.02290249042510756 | 0.03152122809825547 | 0.051281993708219044 | 0.0432640364336155 | 0.06629746109934138 | 0.02850147013972066 | 0 | 0 | 0.044117660178642305
Produits pétroliers | 0.02241602940433248 | 0 | 0.03570364600103933 | 0.051198774933471046 | 0.012347076846894315 | 0.041945908649705495 | 0 | 0 | 0.029764633891912043
Produits pharmaceutiques | 0 | 0 | 0.0013840723718587693 | 0.0015589036624669066 | 0.0018517603139119492 | 0.0019666116611150555 | 0 | 0 | 0.0013071895718507031
Produits alimentaires | 0.008835342278468527 | 0.007455756560818763 | 0.051453639991073594 | 0.0563946508300093 | 0.052821521238251685 | 0.08762612184293841 | 0 | 0 | 0.04633263700982578
Matériaux de construction | 0 | 0.1152676318541244 | 0.06261730769867731 | 0.00977289220564002 | 0.07770589210258012 | 0.07763538618552286 | 0 | 0 | 0.0402090011600753
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.07920798182549799 | 0.08111381366623986 | 0.015965110666243464 | 0.03039008275083429 | 0.029039245626723848 | 0.0030376444061406553 | 0 | 0.11149358768879848 | 0.03420066994725796
S-Total | 0.13336184393340655 | 0.23535843017943853 | 0.2184057704371115 | 0.19257934081603706 | 0.2400629572277033 | 0.24071314288514314 | - | 0.11149358768879848 | 0.1959317917595641
(2) Commerce de détail
Produits pétroliers | 0.004640244434530924 | 0.003603793880883081 | 0.005194276899602855 | 0.0013709704858163372 | 0.004448998072987759 | 0.0034429480839262764 | 0 | 0.21358924844597413 | 0.004850838600179821
Produits pharmaceutiques | 6.0987968363551595e-05 | 0 | 5.960490028666436e-05 | 0 | 1.6267366664560488e-05 | 0.003329178630512769 | 0 | 0 | 0.0002996289177278029
Véhicules automobiles | 0.008399551548254992 | 0 | 0.016157468847275896 | 0.04876670347073674 | 0.09147648533916365 | 0.05518600655547341 | 0 | 0 | 0.04818470255031244
Produits alimentaires | 1.0186520880793923e-05 | 0 | 0.03146786535243092 | 0.021077635775906316 | 0.035648905915604635 | 0.011872642405168842 | 0 | 0.012388176409866499 | 0.021100263939053877
Librairie ,papeterie | 2.2865023264614683e-05 | 0 | 0 | 0.000731908102578749 | 0.004083195484480433 | 6.221766983551202e-07 | 0 | 0 | 0.001385924364733574
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0031797763684713117 | 0.009871402370947418 | 0.01627172692579477 | 0.017981973171088725 | 0 | 0 | 0.009377835319710379
Matériaux de construction | 0.001154268344612537 | 0 | 0.0019357155779463576 | 0.005175104468296948 | 0.02024208748953818 | 7.99941469313726e-07 | 0 | 0 | 0.007720689161741798
Autres | 0.0018421426773954194 | 0.32044981698330866 | 0.006221954304325306 | 0.0823516756201672 | 0.02484191999475835 | 0.004254088733810395 | 0 | 0 | 0.03536979372004292
S-Total | 0.016130246517302833 | 0.3240536108641917 | 0.06421666225033931 | 0.16934540029444972 | 0.19702958658899233 | 0.09606825969814808 | - | 0.22597742485584063 | 0.12828967657350263
[Secteur d'activité mars 20 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2020
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3419386 | 762305.48549 | 4546826.58749 | 13994982.778 | 16937323.759999998 | 3789066.235 | 0 | 309594.048 | 0 | 43759484.89398
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3209302 | 19357.3139 | 1101931.7556699999 | 1816834.464 | 2071585 | 3519910.306 | 180466.42 | 123167.98354 | 0 | 12042555.24311
Industries Manufacturières ( 200 à 290 ) | 1358207 | 2983.44869 | 3068748.4328799997 | 5617195.324999999 | 6912212.04 | 1805330.811 | 11885.69 | 358612.267 | 0 | 19135175.01457
Prêts aux Particuliers ( 1560 ) | 3065196 | 25428.70611 | 1190233.29801 | 3976359.825 | 2061366.74 | 215571.595 | 89890.67 | 0 | 0 | 10624046.83412
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5515818 | 307703.92715 | 3339861.53022 | 6621321.393 | 6247247.8100000005 | 739671.114 | 4775202.36 | 0 | 0 | 27546826.13437
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 3938449 | 134864.90372 | 388047.38811 | 350616.954 | 2675938.2800000003 | 102407.171 | 0 | 0 | 0 | 7590323.69683
Bâtiments et Travaux Publics ( 600 ) | 898859 | 110046.73563000001 | 1835427.10686 | 3845894.653 | 651571.69 | 882720.665 | 0 | 126020.19311 | 0 | 8350540.0435999995
Électricité, Gaz et Eau ( 300 à 500 ) | 1468147 | 0 | 615847.94889 | 2435611.196 | 84517.72 | 196145.251 | 0 | 0 | 0 | 4800269.11589
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1064.94922 | 9395.856 | 1108208.79 | 0 | 0 | 0 | 0 | 1118669.59522
Total | 22873364 | 1362690.52069 | 16087988.99735 | 38668212.444 | 38749971.82999999 | 11250823.148 | 5057445.140000001 | 917394.49165 | 0 | 134967890.57169
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.14949204673173566 | 0.5594120410436302 | 0.2826224326880724 | 0.3619247411104867 | 0.43709254381669577 | 0.33678124570588086 | 0 | 0.3374710125446392 | #DIV/0! | 0.32422144784678664
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.140307389853106 | 0.0142052165228231 | 0.0684940644757719 | 0.04698521987876146 | 0.053460296928427485 | 0.312858024670463 | 0.035683317367630404 | 0.13425847294817905 | #DIV/0! | 0.0892253349452286
Industries Manufacturières ( 200 à 290 ) | 0.05937941616283464 | 0.0021893809670660417 | 0.1907477953512699 | 0.1452664855696374 | 0.1783797952247441 | 0.1604621090609645 | 0.002350137207815565 | 0.3909030087536388 | #DIV/0! | 0.14177575817120813
Prêts aux Particuliers ( 1560 ) | 0.13400722342371676 | 0.018660661187489692 | 0.0739827270024895 | 0.10283278107977285 | 0.05319659970447004 | 0.019160517605178163 | 0.017773928833956662 | 0 | #DIV/0! | 0.07871536547781263
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24114590228179816 | 0.2258061698368561 | 0.20759969010235768 | 0.17123422507800476 | 0.16121941552389515 | 0.06574373308245339 | 0.9441926165905973 | 0 | #DIV/0! | 0.20409910844489443
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.17218494839674653 | 0.09896957649027381 | 0.02412031660227508 | 0.009067317360681459 | 0.06905652194379933 | 0.009102193648666887 | 0 | 0 | #DIV/0! | 0.056237996049870086
Bâtiments et Travaux Publics ( 600 ) | 0.0392971930145474 | 0.08075695395186115 | 0.11408679525839618 | 0.09945881668488539 | 0.0168147655141147 | 0.0784583184170766 | 0 | 0.13736750575354295 | #DIV/0! | 0.06187056794196912
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06418588013551482 | 0 | 0.03827998322173405 | 0.06298742667578172 | 0.0021811040372051805 | 0.017433857809316618 | 0 | 0 | #DIV/0! | 0.03556600829691617
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.619529763324785e-05 | 0.00024298656198828037 | 0.028598957306648454 | 0 | 0 | 0 | #DIV/0! | 0.00828841282531421
Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1 | #DIV/0! | 1
[Secteur d' activitédec 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921
200 | Industrie alimentaire | 1234243.83326 | 1209.3326200000001 | 532436.20767 | 481002.287 | 2152123.9 | 501018.534 | 12084.56 | 176783.88416999998 | 0 | 5090902.538720001
210 | Industrie des boissons | 21.3744 | 0 | 1152266.4556 | 740915.121 | 3170160.76 | 419860.716 | 0 | 0 | 0 | 5483224.427
220 | Industrie du bois | 51309.55207 | 0 | 418.17833 | 6405.661 | 0 | 717.218 | 0 | 0 | 0 | 58850.6094
230 | Industrie chimique | 349.59389 | 0 | 77904.08155 | 519645.421 | 1585.54 | 37346.352 | 0 | 169851.18283 | 0 | 806682.17127
240 | Industrie du textile | 1320.4393799999998 | 0 | 386671.10436 | 1453026.759 | 61335.95 | 121773.474 | 0 | 0 | 0 | 2024127.72674
250 | Industrie pharmacie | 0 | 0 | 118136.23861 | 0 | 32228.46 | 43132.398 | 0 | 0 | 0 | 193497.09661
260 | Imprimerie, édition | 4900.8755 | 23.28764 | 9537.19261 | 100848.575 | 87750.21 | 51853.561 | 0 | 0 | 0 | 254913.70175
270 | Sidérurgie, aciérie | 24716.560940000003 | 0 | 83378.22409999999 | 315176.006 | 0 | 293675.148 | 0 | 0 | 0 | 716945.93904
280 | Industrie de la fabrication | 37169.08606 | 2323.28297 | 371064.52044 | 1873804.318 | 558592.08 | 319377.121 | 0 | 0 | 0 | 3162330.4084699997
290 | Autres industries | 0 | 840.0571199999999 | 39555.813740000005 | 111340.902 | 690842.56 | 166509.055 | 0 | 0 | 0 | 1009088.3878600001
300 | Production et distribution de l'électricité | 1356574.7821300002 | 0 | 334960.41272 | 2008166.366 | 0 | 5566.606 | 0 | 126020.19311 | 0 | 3831288.35996
400 | Production et distribution de gaz | 0 | 0 | 0 | 513504.298 | 60993.18 | 182462.074 | 0 | 0 | 0 | 756959.552
500 | Traitement et distribution de l'eau | 0 | 0 | 315123.88811 | 76111.31 | 28547.77 | 8988.873 | 0 | 0 | 0 | 428771.84111000004
600 | Entrep/ batiment et corps/ métiers corresp. | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873
700 | Commerce de gros(1) | 2779023.9667399996 | 311191.60852999997 | 3043943.03972 | 5973976.675 | 8800895.47 | 2600553.176 | 0 | 96031.5048 | 0 | 23605615.440789998
800 | Commerce de détail(2) | 334098.04858 | 429984.45061 | 1282746.3488599998 | 6459160.714 | 7547692.58 | 1162834.138 | 0 | 194638.5672 | 0 | 17411154.84725
900 | Rest/débits/boissons, casinos/activités/loterie | 129173.32322 | 34.29018 | 8330.80946 | 3974.507 | 20229.67 | 19428.878 | 0 | 0 | 0 | 181171.47786
1000 | Hotels,motels et pensions | 1599585.59072 | 0 | 147037.25407 | 828314.93 | 636982.95 | 329963.616 | 180985.89 | 0 | 0 | 3722870.2307900004
1100 | Transport | 2255489.34463 | 133223.39257999999 | 347356.05415 | 269344.989 | 1372416.18 | 65743.307 | 0 | 0 | 0 | 4443573.26736
1200 | Immobilier résidentiel / Avance Hypothécaire | 2070437.02245 | 251390.32571 | 1900725.0343499999 | 377596.598 | 2807317.74 | 548681.592 | 3436947.14 | 0 | 0 | 11393095.452510001
1300 | Immobilier commercial | 3418020.74521 | 58108.47088 | 1405070.4039200002 | 5913945.004 | 3330367.88 | 128430.182 | 1081134.07 | 0 | 0 | 15335076.75601
1400 | Télécommunications | 1840100.71515 | 0 | 28049.91773 | 62800.061 | 1421109.92 | 31642.205 | 0 | 0 | 0 | 3383702.81888
1500 | Services financiers | 152503.65112 | 0 | 499581.47417 | 1054270.823 | 779128.37 | 2036183.535 | 0 | 115639.3247 | 0 | 4637307.17799
1510 | Services professionnels | 846014.84866 | 24221.35504 | 198471.65184 | 115015.685 | 333482.75 | 331492.018 | 0 | 0 | 0 | 1848698.30854
1520 | Services médicaux | 1735.75035 | 0 | 15205.089119999999 | 3482.538 | 3246.19 | 36965.801 | 0 | 0 | 0 | 60635.36847
1530 | Services d'agence ou de représentation | 1547.75827 | 941.2188100000001 | 15853.94866 | 31404.003 | 35846.56 | 3705.383 | 0 | 0 | 0 | 89298.87174
1540 | Services d'enseignement | 181188.41395 | 0 | 29261.78364 | 60510.543 | 5922.73 | 8142.778 | 0 | 0 | 0 | 285026.24859
1550 | Autres services | 136784.22222999998 | 14784.18872 | 179659.43476 | 207296.649 | 543764.82 | 644101.612 | 0 | 0 | 0 | 1726390.92671
1560 | Crédit à la consommation | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 22411861.882659994 | 1358752.40064 | 15522736.513929999 | 36774085.74299999 | 38477202.23999999 | 11520492.262 | 4831648.04 | 878964.6568099998 | 0 | 131775743.73904
(1) Commerce de gros
Import-export | 504335 | 45175.29072 | 750056.60526 | 1832870.92 | 2614814.39 | 299758 | 0 | 0 | 0 | 6047010.20598
Produits pétroliers | 0 | 0 | 293103.2139 | 469576.47 | 340801.49 | 317675 | 0 | 0 | 0 | 1421156.1738999998
Produits pharmaceutiques | 0 | 0 | 21023.26026 | 75389.758 | 113628.76 | 20801 | 0 | 0 | 0 | 230842.77826
Produits alimentaires | 434608 | 10873.28613 | 738206.85184 | 2109016.426 | 3177523.28 | 1033613 | 0 | 0 | 0 | 7503840.84397
Matériaux de construction | 0 | 148083.45181 | 936942.35047 | 389853.841 | 1304946.19 | 893898 | 0 | 0 | 0 | 3673723.83328
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1840081 | 107059.57987 | 304610.75799 | 1097269.259 | 1249181.39 | 34807 | 0 | 96031.5048 | 0 | 4729040.49166
S-Total | 2779024 | 311191.60853 | 3043943.03972 | 5973976.673999999 | 8800895.5 | 2600552 | 0 | 96031.5048 | 0 | 23605614.32705
(2) Commerce de détail
Produits pétroliers | 108168 | 4910.85576 | 349009.77841 | 64625.448 | 186737.81 | 41980 | 0 | 183968.4 | 939400.2921700001
Produits pharmaceutiques | 1684 | 0 | 1027.42775 | 1089.892 | 762.28 | 59965 | 0 | 0 | 0 | 64528.59975
Véhicules automobiles | 152120 | 0 | 266954.61787 | 1926279.88 | 4097126.14 | 621380 | 0 | 0 | 0 | 7063860.637870001
Produits alimentaires | 0 | 0 | 489033.84125 | 763428.564 | 920174.09 | 151549 | 0 | 10670.1672 | 0 | 2334855.66245
Librairie ,papeterie | 761 | 0 | 0 | 26137.783 | 114130.45 | 0 | 0 | 0 | 0 | 141029.233
Appareils électro- ménagers électroni.équip. inform. | 0 | 33.06631 | 47830.24295 | 306212.212 | 400532.95 | 232677 | 0 | 0 | 0 | 987285.47126
Matériaux de construction | 24788 | 0 | 31500 | 182737.385 | 749338.05 | 31 | 0 | 0 | 0 | 988394.435
Autres | 46578 | 425040.52854 | 97390.44063 | 3188649.549 | 1078890.8 | 55253 | 0 | 0 | 0 | 4891802.31817
S-Total | 334099 | 429984.45061000006 | 1282746.3488600003 | 6459160.7129999995 | 7547692.57 | 1162835 | 0 | 194638.5672 | 0 | 17411156.649670005
[Secteur d'activitédec 19 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 8.728417239989429e-05 | 0.0002943986174302319 | 0.02169305306538837 | 0 | 0 | 0 | #DIV/0! | 0.006426593356111758
200 | Industrie alimentaire | 0.05507100836699925 | 0.0008900316344835012 | 0.034300408770850124 | 0.013079925096208804 | 0.05593244245192814 | 0.043489333841453516 | 0.002501125889128298 | 0.20112740916295366 | #DIV/0! | 0.03863307763833751
210 | Industrie des boissons | 0 | 0 | 0.07423088413347503 | 0.02014775095098141 | 0.08239062549886686 | 0.036444685387698066 | 0 | 0 | #DIV/0! | 0.041610271142605855
220 | Industrie du bois | 0.002289392659058732 | 0 | 2.693972996479903e-05 | 0.00017418953783832213 | 0 | 6.225584668510409e-05 | 0 | 0 | #DIV/0! | 0.0004465966780391987
230 | Industrie chimique | 1.5598609871430628e-05 | 0 | 0.005018707975883595 | 0.01413075024166754 | 4.120725800462982e-05 | 0.003241732310622336 | 0 | 0.19324005978401432 | #DIV/0! | 0.006121628672933164
240 | Industrie du textile | 5.891698721477579e-05 | 0 | 0.024909983108519815 | 0.039512246997917166 | 0.0015940854955466745 | 0.010570162388083552 | 0 | 0 | #DIV/0! | 0.01536039690846632
250 | Industrie pharmacie | 0 | 0 | 0.007610529142460502 | 0 | 0.0008375988409702006 | 0.00374397178688891 | 0 | 0 | #DIV/0! | 0.0014683817455296547
260 | Imprimerie, édition | 0.00021867328674695234 | 1.713898719813194e-05 | 0.0006144015007560934 | 0.0027423815701304467 | 0.002280576676356603 | 0.004500984838211942 | 0 | 0 | #DIV/0! | 0.0019344508671854989
270 | Sidérurgie, aciérie | 0.001102833895256295 | 0 | 0.005371361165937265 | 0.008570600726898948 | 0 | 0.025491545093839323 | 0 | 0 | #DIV/0! | 0.005440651812671932
280 | Industrie de la fabrication | 0.0016584559665146624 | 0.0017098648502153055 | 0.023904581521886247 | 0.050954477321212034 | 0.014517481715947135 | 0.027722523806856404 | 0 | 0 | #DIV/0! | 0.02399781870882452
290 | Autres industries | 0 | 0.0006182562176922859 | 0.0025482500269525857 | 0.003027700070590985 | 0.01795459440348333 | 0.014453293419520374 | 0 | 0 | #DIV/0! | 0.007657618611952836
300 | Production et distribution de l'électricité | 0.0605293210011962 | 0 | 0.021578696025627234 | 0.05460819284629687 | 0 | 0.0004831916790883393 | 0 | 0.14337344753697073 | #DIV/0! | 0.02907430647894677
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.013963754302110594 | 0.0015851771035627154 | 0.015838044924681362 | 0 | 0 | #DIV/0! | 0.0057443011173515576
500 | Traitement et distribution de l'eau | 0 | 0 | 0.020300794761748998 | 0.0020696995849716782 | 0.0007419398588788874 | 0.0007802507736279229 | 0 | 0 | #DIV/0! | 0.00325379943944093
600 | Entrep/ batiment et corps/ métiers corresp. | 0.04094264788638313 | 0.07751215969914182 | 0.11087402144431975 | 0.08445425209765223 | 0.027187557283270925 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.061519605116281156
700 | Commerce de gros(1) | 0.12399790705876712 | 0.22902745811777217 | 0.19609577454261276 | 0.16245071914907241 | 0.22873012998982548 | 0.22573281738818116 | 0 | 0.10925525168272894 | #DIV/0! | 0.17913475402223494
800 | Commerce de détail(2) | 0.014907197372945212 | 0.31645533829965533 | 0.08263661163795906 | 0.1756443588874133 | 0.19616011925507407 | 0.1009361502577085 | 0 | 0.22144072084353872 | #DIV/0! | 0.13212716053213786
900 | Rest/débits/boissons, casinos/activités/loterie | 0.005763614102938101 | 2.5236518429589253e-05 | 0.0005366843309183268 | 0.00010807901596184629 | 0.0005257573010069249 | 0.0016864624842538695 | 0 | 0 | #DIV/0! | 0.0013748469385897002
1000 | Hotels,motels et pensions | 0.07137227594453434 | 0 | 0.009472379688855104 | 0.022524419391110793 | 0.016554814615336238 | 0.0286414511199643 | 0.03745841760444124 | 0 | #DIV/0! | 0.028251559241149322
1100 | Transport | 0.10063819581072232 | 0.09804832176726906 | 0.022377243460796042 | 0.0073243150321220495 | 0.03566829447316906 | 0.005706640437305994 | 0 | 0 | #DIV/0! | 0.03372072235205714
1200 | Immobilier résidentiel | 0.09238130385105989 | 0.1850155522018508 | 0.12244780632875538 | 0.010268007766090449 | 0.07296054745585372 | 0.04762657528184015 | 0.7113405429258047 | 0 | #DIV/0! | 0.08645821400235947
1300 | Immobilier commercial | 0.15250945071433422 | 0.04276604836365311 | 0.09051692674542916 | 0.1608182741871626 | 0.08655431492204047 | 0.011147976933557182 | 0.22376093230499464 | 0 | #DIV/0! | 0.11637253048921184
1400 | Télécommunications | 0.08210387538456507 | 0 | 0.0018070214426965372 | 0.001707725963301592 | 0.03693381631896946 | 0.00274660181877565 | 0 | 0 | #DIV/0! | 0.025677736454903736
1500 | Services financiers | 0.006804595348590459 | 0 | 0.032183853260775185 | 0.02866885203803285 | 0.020249091010833335 | 0.1767444904864257 | 0 | 0.13156311098979376 | #DIV/0! | 0.035190901196303755
1510 | Services professionnels | 0.0377485303581386 | 0.017826172765980947 | 0.012785867470074808 | 0.003127628673185802 | 0.008667021783962225 | 0.02877411923563514 | 0 | 0 | #DIV/0! | 0.0140291244510146
1520 | Services médicaux | 7.74478425348028e-05 | 0 | 0.000979536636878108 | 9.470087235718448e-05 | 8.436658101470117e-05 | 0.003208699781165653 | 0 | 0 | #DIV/0! | 0.000460140589986563
1530 | Services d'agence ou de représentation | 6.905978084745815e-05 | 0.0006927081119096216 | 0.0010213372265755315 | 0.0008539710060902821 | 0.0009316311455393388 | 0.0003216340860904091 | 0 | 0 | #DIV/0! | 0.0006776578845712426
1540 | Services d'enseignement | 0.008084487353109428 | 0 | 0.0018850918208745393 | 0.0016454669579791872 | 0.00015392829143494403 | 0.0007068081653818484 | 0 | 0 | #DIV/0! | 0.002162964446282672
1550 | Autres services | 0.006103206549556225 | 0.010880708444773565 | 0.0115739537676733 | 0.005637030664710931 | 0.014132129893652064 | 0.055909209203199584 | 0 | 0 | #DIV/0! | 0.01310097653577908
1560 | Crédit à la consommation | 0.13555105015886504 | 0.018515004019974794 | 0.08230306815834428 | 0.11139613043350163 | 0.05493769731008386 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.0825712125687394
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999990462907496 | 1 | 1 | 1.0000000000000002 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.022503038910399623 | 0.03324762532064085 | 0.04831986966904349 | 0.04984137288440651 | 0.06795749788901494 | 0.026019547878934204 | 0 | 0 | #DIV/0! | 0.04588864410399459
Produits pétroliers | 0 | 0 | 0.01888218701882694 | 0.012769222144139494 | 0.008857231559463823 | 0.027574776561227466 | 0 | 0 | #DIV/0! | 0.01078465682359846
Produits pharmaceutiques | 0 | 0 | 0.0013543527097257542 | 0.002050078376573932 | 0.0029531450673374125 | 0.00180556520736631 | 0 | 0 | #DIV/0! | 0.001751785053227594
Produits alimentaires | 0.019391873922632693 | 0.008002404356289242 | 0.04755648922968822 | 0.057350614798124644 | 0.08258197309098327 | 0.08971951688291495 | 0 | 0 | #DIV/0! | 0.05694402195012545
Matériaux de construction | 0 | 0.10898486857520892 | 0.06035935414024417 | 0.010601319737070807 | 0.03391478886277778 | 0.07759199691045285 | 0 | 0 | #DIV/0! | 0.027878604430836684
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.0821029957097704 | 0.07879255986563319 | 0.019623521775084207 | 0.029838111181563966 | 0.03246549429993069 | 0.0030213118683139824 | 0 | 0.10925525168272894 | #DIV/0! | 0.035887033208669115
S-Total | 0.12399790854280271 | 0.2290274581177722 | 0.1960957745426128 | 0.16245071912187936 | 0.22873013076950788 | 0.22573271530920974 | - | 0.10925525168272894 | #DIV/0! | 0.1791347455704519
(2) Commerce de détail
Produits pétroliers | 0.004826372773771613 | 0.0036142388839106284 | 0.022483779074443544 | 0.0017573638254841334 | 0.004853206551641423 | 0.003643941512679087 | 0 | 0.2093012484343466 | #DIV/0! | 0.007128780043391951
Produits pharmaceutiques | 7.513878181191661e-05 | 0 | 6.618857113744045e-05 | 2.9637500918903546e-05 | 1.9811211720782332e-05 | 0.005205072720528859 | 0 | 0 | #DIV/0! | 0.0004896849596067405
Véhicules automobiles | 0.006787477131370995 | 0 | 0.01719765182063335 | 0.05238144854129162 | 0.1064819140031113 | 0.05393693132797835 | 0 | 0 | #DIV/0! | 0.05360516615150968
Produits alimentaires | 0 | 0 | 0.031504357547468796 | 0.020759960406230356 | 0.02391478684599913 | 0.013154733022987208 | 0 | 0.012139472409192104 | #DIV/0! | 0.017718402463155848
Librairie ,papeterie | 3.395523334849676e-05 | 0 | 0 | 0.000710766358208521 | 0.002966183697247943 | 0 | 0 | 0 | #DIV/0! | 0.0010702214914399195
Appareils électro- ménagers électroni.équip. inform. | 0 | 2.50928653952296e-07 | 0.0030813022502235647 | 0.008326847719342364 | 0.010409617297580318 | 0.020196793219286135 | 0 | 0 | #DIV/0! | 0.00749216390851988
Matériaux de construction | 0.0011060214510414425 | 0 | 0.0020292813687671704 | 0.00496918907181219 | 0.01947485800360521 | 2.690857238995991e-06 | 0 | 0 | #DIV/0! | 0.007500579446224574
Autres | 0.002078274453227703 | 0.31281676362801447 | 0.006274051005285213 | 0.08670914543693217 | 0.028039741384273797 | 0.004796062420201468 | 0 | 0 | #DIV/0! | 0.03712217574622385
S-Total | 0.014907239824572168 | 0.31643125344057904 | 0.08263661163795907 | 0.17564435886022028 | 0.19616011899517988 | 0.10093622508090011 | - | 0.22144072084353872 | #DIV/0! | 0.13212717421007245
[Secteur d'activité dec 19 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2019
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3113122.01532 | 741176.05914 | 4326689.38858 | 12433137.388999999 | 16348588.05 | 3763387.3140000002 | 0 | 290670.072 | 0 | 41016770.288040005
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3048533.55852 | 39981.052749999995 | 1093401.44572 | 2304269.6780000003 | 2358604.04 | 3409983.6210000003 | 180985.89 | 115639.3247 | 0 | 12551398.61069
Industries Manufacturières ( 200 à 290 ) | 1354031.3155 | 4395.96035 | 2771368.0170099996 | 5602165.05 | 6754619.460000001 | 1955263.577 | 12084.56 | 346635.067 | 0 | 18800563.00686
Prêts aux Particuliers ( 1560 ) | 3037951.41421 | 25157.30616 | 1277568.84131 | 4096490.852 | 2113848.89 | 209369.264 | 120496.38 | 0 | 0 | 10880882.947680002
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5488457.767659999 | 309498.79659 | 3305795.43827 | 6291541.602 | 6137685.62 | 677111.774 | 4518081.21 | 0 | 0 | 26728172.20852
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4095590.0597800002 | 133223.39257999999 | 375405.97187999997 | 332145.05 | 2793526.0999999996 | 97385.512 | 0 | 0 | 0 | 7827276.08624
Bâtiments et Travaux Publics ( 600 ) | 917600.96954 | 105319.83307000001 | 1721068.22112 | 3105727.908 | 1046101.14 | 1210973.647 | 0 | 0 | 0 | 8106791.71873
Électricité, Gaz et Eau ( 300 à 500 ) | 1356574.7821300002 | 0 | 650084.3008300001 | 2597781.974 | 89540.95 | 197017.55299999999 | 0 | 126020.19311 | 0 | 5017019.753070001
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1354.88921 | 10826.24 | 834687.99 | 0 | 0 | 0 | 0 | 846869.11921
Total | 22411861.88266 | 1358752.40064 | 15522736.51393 | 36774085.743 | 38477202.24000001 | 11520492.262 | 4831648.04 | 878964.65681 | 0 | 131775743.73903999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1389051044317123 | 0.5454827964174276 | 0.27873238618057183 | 0.33809507803648564 | 0.42489024924489927 | 0.32666896764588965 | 0 | 0.3306959725262676 | #DIV/0! | 0.3112619145543729
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13602321728024935 | 0.02942482584109372 | 0.0704387042026249 | 0.06266014861942887 | 0.061298740622779735 | 0.29599287456211654 | 0.03745841760444124 | 0.13156311098979376 | #DIV/0! | 0.09524817128367694
Industries Manufacturières ( 200 à 290 ) | 0.060415833480912645 | 0.0032352916895892246 | 0.17853604707668602 | 0.1523400225134456 | 0.1755486123411035 | 0.16972048871985954 | 0.002501125889128298 | 0.39436746894696795 | #DIV/0! | 0.1426708927865465
Prêts aux Particuliers ( 1560 ) | 0.13555105015886498 | 0.018515004019974794 | 0.08230306815834426 | 0.1113961304335016 | 0.054937697310083834 | 0.01817363869863428 | 0.024938981275631163 | 0 | #DIV/0! | 0.08257121256873941
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.244890754565394 | 0.2277816005655039 | 0.2129647330741845 | 0.171086281953253 | 0.1595148623778941 | 0.05877455221539734 | 0.9351014752307993 | 0 | #DIV/0! | 0.20283074449157132
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18274207119528732 | 0.09804832176726906 | 0.024184264903492573 | 0.00903204099542364 | 0.07260211079213848 | 0.008453242256081643 | 0 | 0 | #DIV/0! | 0.05939845880696088
Bâtiments et Travaux Publics ( 600 ) | 0.04094264788638312 | 0.07751215969914182 | 0.11087402144431974 | 0.0844542520976522 | 0.027187557283270908 | 0.10511474852462342 | 0 | 0 | #DIV/0! | 0.06151960511628116
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06052932100119618 | 0 | 0.04187949078737623 | 0.07064164673337912 | 0.0023271169624416014 | 0.017101487377397622 | 0 | 0.1433734475369707 | #DIV/0! | 0.03807240703573927
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.728417239989427e-05 | 0.0002943986174302318 | 0.021693053065388358 | 0 | 0 | 0 | #DIV/0! | 0.0064265933561117585
Total | 0.9999999999999998 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002
[Secteur d' activitésept 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404
200 | Industrie alimentaire | 711875 | 1209.3326299999999 | 683079.81274 | 548419.683 | 2475484.64 | 553838.089 | 12502.61 | 178142.52417 | 0 | 5164551.69154
210 | Industrie des boissons | 51 | 0 | 850973.3767799999 | 1154645.153 | 3343244.75 | 434112.622 | 0 | 0 | 0 | 5783026.90178
220 | Industrie du bois | 53065 | 0 | 760.76756 | 6790.715 | 0 | 793.77 | 0 | 0 | 0 | 61410.25256
230 | Industrie chimique | 393 | 0 | 75927.22153 | 554452.088 | 4903.48 | 35941.294 | 0 | 171156.54283000002 | 0 | 842773.62636
240 | Industrie du textile | 1544 | 0 | 408234.02288 | 1182492.522 | 58858.4 | 196987.209 | 0 | 0 | 0 | 1848116.15388
250 | Industrie pharmacie | 0 | 0 | 34090.45022 | 0 | 39890.25 | 45174.548 | 0 | 0 | 0 | 119155.24822000001
260 | Imprimerie, édition | 7870 | 433.2793 | 8745.028869999998 | 30729.467 | 58248.55 | 53497.161 | 0 | 0 | 0 | 159523.48617
270 | Sidérurgie, aciérie | 21789 | 0 | 102823.58576999999 | 255383.277 | 0 | 267663.695 | 0 | 0 | 0 | 647659.5577700001
280 | Industrie de la fabrication | 38916 | 2264.6706400000003 | 377027.19513999997 | 1851683.24 | 670843.61 | 328916.55 | 0 | 0 | 0 | 3269651.2657799996
290 | Autres industries | 0 | 0 | 45622.31095000001 | 13873.944 | 394419.15 | 176984.174 | 0 | 0 | 0 | 630899.57895
300 | Production et distribution de l'électricité | 1406570 | 0 | 343924.10704000003 | 2243811.306 | 0 | 5544.425 | 0 | 126020.19311 | 0 | 4125870.0311499997
400 | Production et distribution de gaz | 0 | 0 | 0 | 544390.466 | 95985.36 | 187872.152 | 0 | 0 | 0 | 828247.978
500 | Traitement et distribution de l'eau | 0 | 0 | 487088.35713 | 42511.256 | 32317.51 | 5144.318 | 0 | 0 | 0 | 567061.44113
600 | Entrep/ batiment et corps/ métiers corresp. | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989
700 | Commerce de gros(1) | 2813693 | 317555.24951999995 | 3833285.03477 | 6421470.165 | 8973313.4 | 2559228.717 | 0 | 67187.664 | 0 | 24985733.23029
800 | Commerce de détail(2) | 264299 | 421513.88793 | 1122517.53299 | 6621322.865 | 8414104.71 | 1376473.322 | 0 | 194097.696 | 0 | 18414329.01392
900 | Rest/débits/boissons, casinos/activités/loterie | 130936 | 1943.55173 | 9888.26619 | 4723.91 | 29157.33 | 22527.092 | 0 | 0 | 0 | 199176.14992
1000 | Hotels,motels et pensions | 1564415 | 0 | 152203.06456 | 841343.043 | 643045.92 | 333613.388 | 185067.85 | 0 | 0 | 3719688.2655599997
1100 | Transport | 2270654 | 0 | 318946.04108 | 310153.511 | 1464982.42 | 74229.614 | 0 | 0 | 0 | 4438965.58608
1200 | Immobilier résidentiel / Avance Hypothécaire | 2073695 | 137610.68807 | 1885923.91039 | 414735.715 | 2908558.09 | 561371.501 | 3426750.89 | 0 | 0 | 11408645.79446
1300 | Immobilier commercial | 3424841 | 255104.86381 | 1430176.8571400002 | 5708184.131 | 3782420.89 | 134907.27 | 1050091.56 | 0 | 0 | 15785726.571950002
1400 | Télécommunications | 1867331 | 59016.05629 | 32026.391789999998 | 63429.8 | 1508246.32 | 36344.954 | 0 | 0 | 0 | 3566394.52208
1500 | Services financiers | 263674 | 0 | 405864.32709 | 725263.219 | 798686.14 | 2005081.036 | 0 | 122789.05442 | 0 | 4321357.77651
1510 | Services professionnels | 870888 | 25127.51767 | 231182.70182 | 124469.149 | 426142.98 | 353769.066 | 0 | 0 | 0 | 2031579.4144899999
1520 | Services médicaux | 1908 | 0 | 13844.2611 | 4027.87 | 3618.89 | 39493.89 | 0 | 0 | 0 | 62892.9111
1530 | Services d'agence ou de représentation | 1917 | 941.2188100000001 | 16614.603470000002 | 37025.732 | 22877.01 | 5728.635 | 0 | 0 | 0 | 85104.19928
1540 | Services d'enseignement | 115799 | 0 | 28794.69745 | 49865.33 | 3129.81 | 5999.145 | 0 | 0 | 0 | 203587.98244999998
1550 | Autres services | 157092 | 25710.743469999998 | 122062.56188 | 243080.906 | 450098.94 | 732622.664 | 0 | 0 | 0 | 1730667.8153499998
1560 | Crédit à la consommation | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 22278945 | 1395458.516 | 16171913.303030001 | 38412267.787 | 41744659.769999996 | 12004153.155000001 | 4855564.41 | 859393.67453 | 0 | 137722355.61556
(1) Commerce de gros
Import-export | 501036 | 46550.6757 | 895359.6263 | 1893911.279 | 2606105.41 | 375707 | 0 | 6318669.991
Produits pétroliers | 0 | 747943.77053 | 410030.404 | 134.55 | 145869 | 0 | 1303977.72453
Produits pharmaceutiques | 0 | 20727.61053 | 76964.916 | 107792.92 | 21945 | 0 | 227430.44653000002
Produits alimentaires | 434961 | 11304.00828 | 819555.66176 | 2219204.942 | 3465507.17 | 1041119 | 0 | 7991651.78204
Matériaux de construction | 150083.17725 | 980770.04851 | 504228.353 | 1363343.76 | 944954 | 0 | 3943379.3387599997
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1877695 | 109617.38829 | 368928.31732 | 1317130.27 | 1430429.6 | 29633 | 67187.664 | 0 | 5200621.2396100005
S-Total | 2813692 | 317555.24952 | 3833285.03495 | 6421470.164000001 | 8973313.41 | 2559227 | 0 | 67187.664 | 0 | 24985730.52247
(2) Commerce de détail
Produits pétroliers | 32270 | 4910.8557599999995 | 97699.07176 | 59875.712 | 148040.22 | 30361 | 186632.4 | 559789.25952
Produits pharmaceutiques | 1960 | 1008.03962 | 1632.897 | 924.71 | 58221 | 0 | 63746.64662
Véhicules automobiles | 155331 | 294765.38274000003 | 2209532.797 | 4854818.49 | 706245 | 0 | 8220692.66974
Produits alimentaires | 63 | 605190.56901 | 652044.605 | 958019.86 | 183702 | 7465.296 | 0 | 2406485.33001
Librairie ,papeterie | 761 | 0 | 23328.179 | 120152.44 | 163 | 0 | 144404.619
Appareils électro- ménagers électroni.équip. inform. | 0 | 54657.149560000005 | 311544.733 | 552171.66 | 339460 | 0 | 1257833.54256
Matériaux de construction | 30667 | 0 | 198817.687 | 678348.78 | 172 | 0 | 908005.4670000001
Autres | 43247 | 416603.032 | 69197.32020999999 | 3164546.256 | 1101628.55 | 58150 | 0 | 4853372.15821
S-Total | 264299 | 421513.88776 | 1122517.5329 | 6621322.866 | 8414104.71 | 1376474 | 0 | 194097.696 | 0 | 18414329.692660004
[Secteur d'activité sept 19 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 6.870690061093872e-05 | 0.00030819976747133366 | 0.030858931108734725 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527
200 | Industrie alimentaire | 0.031952814641806424 | 0.0008666202657650339 | 0.042238651663561465 | 0.014277201388916787 | 0.059300630395340274 | 0.04613720616929266 | 0.0025749035424699473 | 0.20728861457751088 | #DIV/0! | 0.03749973392813871
210 | Industrie des boissons | 0 | 0 | 0.052620451324121305 | 0.030059281045384426 | 0.08008796259019074 | 0.03616353576921686 | 0 | 0 | #DIV/0! | 0.04199047333987532
220 | Industrie du bois | 0.002381845280375709 | 0 | 4.704252030942196e-05 | 0.0001767850582958345 | 0 | 6.61246145188823e-05 | 0 | 0 | #DIV/0! | 0.00044589894128315224
230 | Industrie chimique | 1.763997352657408e-05 | 0 | 0.0046950054769199214 | 0.014434245097802978 | 0.00011746364749447328 | 0.002994071596381594 | 0 | 0.19915964929996147 | #DIV/0! | 0.006119366914638967
240 | Industrie du textile | 6.930310209931394e-05 | 0 | 0.025243396698367934 | 0.03078424134073634 | 0.0014099623837945106 | 0.016409921337762205 | 0 | 0 | #DIV/0! | 0.013419144231302985
250 | Industrie pharmacie | 0 | 0 | 0.0021080035232202703 | 0 | 0.0009555773174289307 | 0.0037632432222995905 | 0 | 0 | #DIV/0! | 0.000865184506084194
260 | Imprimerie, édition | 0.0003532483248196896 | 8.92335603885028e-05 | 0.0005407541276121925 | 0.0007999909604503976 | 0.0013953533295260106 | 0.004456554353250418 | 0 | 0 | #DIV/0! | 0.0011582976885415462
270 | Sidérurgie, aciérie | 0.0009780086085763935 | 0 | 0.006358158360318118 | 0.006648482157214115 | 0 | 0.02229759080410533 | 0 | 0 | #DIV/0! | 0.004702646530225532
280 | Industrie de la fabrication | 0.0017467613479902212 | 0.0016228863947109985 | 0.023313703708104806 | 0.04820551731722207 | 0.016070165949276825 | 0.027400229383361275 | 0 | 0 | #DIV/0! | 0.023740889786309984
290 | Autres industries | 0 | 0 | 0.0028210830775015423 | 0.0003611852358452892 | 0.009448373808126022 | 0.014743578469446808 | 0 | 0 | #DIV/0! | 0.004580952570337247
300 | Production et distribution de l'électricité | 0.06313449761647151 | 0 | 0.021266754316297362 | 0.0584139243858802 | 0 | 0.00046187556326625356 | 0 | 0.1466384927477155 | #DIV/0! | 0.029957881657695487
400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014172307373745844 | 0.0022993446474075794 | 0.01565059605406209 | 0 | 0 | #DIV/0! | 0.006013896395382478
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030119401953431088 | 0.0011067103935578425 | 0.0007741711198045297 | 0.000428544848901505 | 0 | 0 | #DIV/0! | 0.004117424789864202
600 | Entrep/ batiment et corps/ métiers corresp. | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380387 | 0.1076892688798749 | 0.03602586194943134 | 0.10262765528669231 | 0 | 0 | #DIV/0! | 0.07041736729337722
700 | Commerce de gros(1) | 0.12629381687508093 | 0.22756337496169607 | 0.23703348904620877 | 0.16717237838202412 | 0.2149571573810913 | 0.21319527366526672 | 0 | 0.07818031013172717 | #DIV/0! | 0.18142104176634552
800 | Commerce de détail(2) | 0.011863173951908406 | 0.30206121005893094 | 0.06941154778387805 | 0.17237521360925423 | 0.20156122379147617 | 0.11466642454712998 | 0 | 0.22585422926943405 | #DIV/0! | 0.13370617233212306
900 | Rest/débits/boissons, casinos/activités/loterie | 0.005877118508080163 | 0.0013927692638051878 | 0.000611446895906084 | 0.00012297920097283945 | 0.0006984685025736887 | 0.0018766081796129832 | 0 | 0 | #DIV/0! | 0.001446215097249592
1000 | Hotels,motels et pensions | 0.07021943812869057 | 0 | 0.009411568174279227 | 0.021902977654569476 | 0.015404267840317341 | 0.027791497133726792 | 0.038114590678450085 | 0 | #DIV/0! | 0.027008601827456298
1100 | Transport | 0.10191927849366296 | 0 | 0.01972222056250089 | 0.008074334811988538 | 0.035093888130160705 | 0.0061836610247747205 | 0 | 0 | #DIV/0! | 0.032231263880433375
1200 | Immobilier résidentiel | 0.09307868931854718 | 0.09861324180703913 | 0.11661724095668072 | 0.010796959900929371 | 0.06967497414100975 | 0.046764773303994055 | 0.7057368826047558 | 0 | #DIV/0! | 0.08283800943912291
1300 | Immobilier commercial | 0.15372545692805473 | 0.18281078289682384 | 0.08843584740662934 | 0.1486031536240576 | 0.09060849725066523 | 0.011238382937809158 | 0.21626560196325353 | 0 | #DIV/0! | 0.11461992863391393
1400 | Télécommunications | 0.08381595268537177 | 0.012154314371457385 | 0.001980371226946874 | 0.0016512901646870944 | 0.03613028177280555 | 0.0030276982916417976 | 0 | 0 | #DIV/0! | 0.02589553820902745
1500 | Services financiers | 0.011835120558895405 | 0 | 0.0250968651318429 | 0.01888103100347159 | 0.019132654198177935 | 0.167032277088604 | 0 | 0.14287870397365096 | #DIV/0! | 0.03137731530364392
1510 | Services professionnels | 0.03909018133488817 | 0.018006638951924243 | 0.0142953216164401 | 0.003240348882554769 | 0.010208323228597726 | 0.029470555851134502 | 0 | 0 | #DIV/0! | 0.014751268270207181
1520 | Services médicaux | 8.564139819008486e-05 | 0 | 0.0008560682239995754 | 0.00010485894824890204 | 8.66910886311914e-05 | 0.0032900188368181474 | 0 | 0 | #DIV/0! | 0.0004566645031512538
1530 | Services d'agence ou de représentation | 8.604536704947204e-05 | 0.000674487130364827 | 0.0010273740131223098 | 0.0009639038289879555 | 0.0005480224327146313 | 0.00047722108557186264 | 0 | 0 | #DIV/0! | 0.0006179403401838478
1540 | Services d'enseignement | 0.005197687772019725 | 0 | 0.0017805374608708155 | 0.001298161573706307 | 7.497509902450452e-05 | 0.0004997557863964123 | 0 | 0 | #DIV/0! | 0.0014782493484086067
1550 | Autres services | 0.007051141784316987 | 0.018424584590087518 | 0.007547812036385955 | 0.00632821023085408 | 0.010782192081092629 | 0.06103076614736843 | 0 | 0 | #DIV/0! | 0.01256635357139119
1560 | Crédit à la consommation | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012807 | 0.11104685778129479 | 0.056294584815105804 | 0.019854358647592576 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999977108431302 | 0.9696415394103686 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000004
(1) Commerce de gros
Import-export | 0.022489215714657944 | 0.03335869548701081 | 0.055365101798575914 | 0.04930485462357844 | 0.06242967182769784 | 0.031298084516983155 | 0 | 0 | #DIV/0! | 0.04587976993828089
Produits pétroliers | 0 | 0 | 0.04624955356332907 | 0.010674464894227569 | 3.223166765313896e-06 | 0.012151544396052816 | 0 | 0 | #DIV/0! | 0.009468163093070676
Produits pharmaceutiques | 0 | 0 | 0.0012817042820849427 | 0.0020036545727208405 | 0.0025821966353038986 | 0.001828117295459481 | 0 | 0 | #DIV/0! | 0.0016513691296774823
Produits alimentaires | 0.019523411005323635 | 0.00810056920387879 | 0.05067771799187462 | 0.05777333830706692 | 0.08301677841175037 | 0.08672989977359215 | 0 | 0 | #DIV/0! | 0.058027266134976684
Matériaux de construction | 0 | 0.10755115650460512 | 0.06064650670160599 | 0.013126753041398086 | 0.03265911777725815 | 0.07871892234283977 | 0 | 0 | #DIV/0! | 0.028632819422342737
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.08428114526967054 | 0.07855295376620139 | 0.022812904719868667 | 0.0342893129169989 | 0.034266169801867336 | 0.002468562306509492 | 0 | 0.07818031013172717 | #DIV/0! | 0.03776163438655583
S-Total | 0.1262937719896521 | 0.2275633749616961 | 0.2370334890573392 | 0.16717237835599078 | 0.2149571576206429 | 0.21319513063143686 | - | 0.07818031013172717 | #DIV/0! | 0.18142102210490432
(2) Commerce de détail
Produits pétroliers | 0.0014484527880471898 | 0.0035191700102104643 | 0.0060412809498363385 | 0.0015587653489249065 | 0.0035463271425771646 | 0.0025292079839346233 | 0 | 0.2171675281436866 | #DIV/0! | 0.004064621586074254
Produits pharmaceutiques | 8.797544048876642e-05 | 0 | 6.233273708010367e-05 | 4.250977862214704e-05 | 2.2151575916413323e-05 | 0.004850071408473294 | 0 | 0 | #DIV/0! | 0.0004628634642145044
Véhicules automobiles | 0.006972098544163559 | 0 | 0.018226994989193532 | 0.057521539973950195 | 0.11629795324116977 | 0.058833387985043575 | 0 | 0 | #DIV/0! | 0.059690328654320654
Produits alimentaires | 2.827782015710349e-06 | 0 | 0.037422323362110176 | 0.016974905220791824 | 0.022949518939150287 | 0.015303203618614609 | 0 | 0.008686701125747464 | #DIV/0! | 0.01747345461275361
Librairie ,papeterie | 3.415781133262818e-05 | 0 | 0 | 0.000607310641729282 | 0.0028782709132617757 | 0 | 0 | 0 | #DIV/0! | 0.0010485198162242663
Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003379757764949144 | 0.008110552980822371 | 0.01322736041070386 | 0.02827854623452611 | 0 | 0 | #DIV/0! | 0.009133110865973954
Matériaux de construction | 0.0013765014456474487 | 0 | 0 | 0.0051758903718589246 | 0.016249953496746395 | 1.4328374336706802e-05 | 0 | 0 | #DIV/0! | 0.00659301435080459
Autres | 0.0019411601402131026 | 0.29854203992689665 | 0.00427885797514355 | 0.08238373931858792 | 0.02638968807195048 | 0.004844156788834306 | 0 | 0 | #DIV/0! | 0.03524026391007838
S-Total | 0.011863173951908404 | 0.3020612099371071 | 0.06941154777831283 | 0.17237521363528757 | 0.20156122379147617 | 0.11465290239376322 | - | 0.22585422926943405 | #DIV/0! | 0.1337061772604442
[Secteur d'activité sept 19 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2019
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3077992 | 739069.13745 | 4955802.56776 | 13042793.030000001 | 17387418.11 | 3935702.039 | 0 | 261285.36 | 0 | 43400062.24421
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3106629 | 53723.03168 | 980454.4835599998 | 2029799.1590000002 | 2376757.02 | 3498834.9159999997 | 185067.85 | 122789.05442 | 0 | 12354054.514659999
Industries Manufacturières ( 200 à 290 ) | 835503 | 3907.2825700000003 | 2587283.77244 | 5598470.089000001 | 7045892.830000002 | 2093909.1120000002 | 12502.61 | 349299.06700000004 | 0 | 18526767.763010003
Prêts aux Particuliers ( 1560 ) | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5498536 | 392715.55188000004 | 3316100.7675300003 | 6122919.846 | 6690978.98 | 696278.7710000001 | 4476842.45 | 0 | 0 | 27194372.366410002
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4137985 | 59016.05629 | 350972.43287 | 373583.311 | 2973228.74 | 110574.568 | 0 | 0 | 0 | 8005360.108159999
Bâtiments et Travaux Publics ( 600 ) | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989
Électricité, Gaz et Eau ( 300 à 500 ) | 1406570 | 0 | 831012.46417 | 2830713.028 | 128302.87 | 198560.895 | 0 | 126020.19311 | 0 | 5521179.45028
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404
Total | 22278945 | 1395458.516 | 16171913.30303 | 38412267.787 | 41744659.77 | 12004153.155 | 4855564.41 | 859393.6745300001 | 0 | 137722355.61556
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.13815699082698935 | 0.529624585020627 | 0.3064450368300869 | 0.3395475919912784 | 0.41651838117256734 | 0.32786169821239675 | 0 | 0.30403453940116115 | #DIV/0! | 0.31512721409846856
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13944237485213057 | 0.03849847993618178 | 0.06062699355284697 | 0.052842471323365926 | 0.05693559447112964 | 0.29146870010923315 | 0.038114590678450085 | 0.14287870397365093 | #DIV/0! | 0.08970260826169188
Industries Manufacturières ( 200 à 290 ) | 0.037501910436064184 | 0.0027999990864651402 | 0.159986250480037 | 0.14574692960186825 | 0.1687854894211778 | 0.17443205571963566 | 0.0025749035424699473 | 0.40644826387747235 | #DIV/0! | 0.13452258843673764
Prêts aux Particuliers ( 1560 ) | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012809 | 0.11104685778129479 | 0.0562945848151058 | 0.01985435864759258 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24680414624660188 | 0.281424024703863 | 0.2050530883633101 | 0.15940011352498695 | 0.16028347139167498 | 0.05800315624180322 | 0.9220024845680093 | 0 | #DIV/0! | 0.19745793807303683
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18573523117903473 | 0.04229151609548814 | 0.02170259178944777 | 0.009725624976675631 | 0.07122416990296625 | 0.00921135931641652 | 0 | 0 | #DIV/0! | 0.058126802089460826
Bâtiments et Travaux Publics ( 600 ) | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380388 | 0.1076892688798749 | 0.03602586194943133 | 0.10262765528669232 | 0 | 0 | #DIV/0! | 0.07041736729337722
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06313449761647151 | 0 | 0.05138615626972846 | 0.0736929421531839 | 0.0030735157672121083 | 0.01654101646622985 | 0 | 0.1466384927477155 | #DIV/0! | 0.04008920284294217
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.870690061093873e-05 | 0.00030819976747133366 | 0.03085893110873472 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527
Total | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1
[Secteur d' activité juin 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998
200 | Industrie alimentaire | 1028133.443582464 | 1209.3326299999999 | 717573.5675700001 | 449070.618 | 2337244.59 | 600071.853 | 13124.73 | 177846.11216999998 | 0 | 5324274.246952464
210 | Industrie des boissons | 112.95727000000001 | 0 | 669321.09518 | 1293778.82 | 2012404.17 | 440037.061 | 0 | 0 | 0 | 4415654.10345
220 | Industrie du bois | 52294.515928128 | 0 | 153.56659 | 1372.087 | 0 | 943.204 | 0 | 0 | 0 | 54763.373518128
230 | Industrie chimique | 0 | 0 | 72596.33784000001 | 391553.32 | 13063.24 | 23238.905 | 0 | 170871.75483000002 | 0 | 671323.55767
240 | Industrie du textile | 7098.49261 | 0 | 415820.12357 | 1161791.434 | 123068.5 | 121573.69 | 0 | 0 | 0 | 1829352.2401799997
250 | Industrie pharmacie | 0 | 0 | 16228.457980000001 | 0 | 19593.31 | 63660.14 | 0 | 0 | 0 | 99481.90798
260 | Imprimerie, édition | 97984.410306064 | 0 | 7744.31192 | 133845.491 | 131494.61 | 77675.588 | 0 | 0 | 0 | 448744.41122606397
270 | Sidérurgie, aciérie | 21367.237100000002 | 0 | 109462.60547 | 276197.892 | 0 | 328038.816 | 0 | 0 | 0 | 735066.55057
280 | Industrie de la fabrication | 40596.918880000005 | 2438.73056 | 380026.62731 | 1459836.656 | 802775.5 | 291545.609 | 0 | 0 | 0 | 2977220.04175
290 | Autres industries | 0 | 0 | 47112.48365 | 1353.79 | 1963003.51 | 121568.788 | 0 | 0 | 0 | 2133038.5716500003
300 | Production et distribution de l'électricité | 1284192.171060048 | 0 | 363381.89041000005 | 2790333.834 | 0 | 5461.607 | 0 | 55815.36 | 0 | 4499184.862470048
400 | Production et distribution de gaz | 0 | 0 | 4.41965 | 573896.145 | 84472.47 | 191911.698 | 0 | 0 | 0 | 850284.73265
500 | Traitement et distribution de l'eau | 0 | 0 | 477765.12544 | 46682.032 | 51883.37 | 8823.588 | 0 | 0 | 0 | 585154.11544
600 | Entrep/ batiment et corps/ métiers corresp. | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999
700 | Commerce de gros(1) | 2790374.5146318716 | 320375.87580000004 | 3206367.5566100003 | 5692375.329 | 7540497.99 | 2326418.183 | 0 | 80190 | 0 | 21956599.449041873
800 | Commerce de détail(2) | 285660.9283142239 | 441852.75201 | 1132191.92213 | 6536042.906 | 7636465.83 | 1382924.112 | 0 | 194961.2 | 0 | 17610099.650454223
900 | Rest/débits/boissons, casinos/activités/loterie | 130842.34307999999 | 34.29018 | 10740.01753 | 2954.185 | 22219.08 | 21814.921 | 0 | 0 | 0 | 188604.83679
1000 | Hotels,motels et pensions | 1426934.6976499998 | 0 | 156184.42784 | 858092.57 | 38257.32 | 335101.712 | 168310.15 | 0 | 0 | 2982880.8774899994
1100 | Transport | 2278121.38308 | 146743.20629 | 318642.00467 | 318060.748 | 1478475.41 | 77524.593 | 0 | 0 | 0 | 4617567.345040001
1200 | Immobilier résidentiel / Avance Hypothécaire | 2085529.9400100005 | 257709.35161 | 1874958.14502 | 427160.685 | 2769893.14 | 461379.767 | 3440071.98 | 0 | 0 | 11316703.008639999
1300 | Immobilier commercial | 3440790.9073317274 | 60059.12648 | 1449671.8254200001 | 5186527.35 | 4849050.19 | 186852.203 | 919960.3 | 0 | 0 | 16092911.902231729
1400 | Télécommunications | 3569.68165 | 0 | 30318.54148 | 38513.403 | 1500004.52 | 34986.508 | 0 | 0 | 0 | 1607392.65413
1500 | Services financiers | 258271.943396464 | 0 | 369340.56861 | 1507067.808 | 1813906.89 | 1958035.092 | 0 | 160026.11051 | 0 | 6066648.412516464
1510 | Services professionnels | 888792.1279190399 | 25906.20001 | 557606.3703099999 | 136197.814 | 343273.76 | 401386.156 | 0 | 0 | 0 | 2353162.42823904
1520 | Services médicaux | 2077.17025 | 0 | 8967.43273 | 4495.739 | 4584.51 | 38099.967 | 0 | 0 | 0 | 58224.81898
1530 | Services d'agence ou de représentation | 1625.0115600000001 | 941.2188100000001 | 14153.83679 | 32401.215 | 30820.31 | 3420.404 | 0 | 0 | 0 | 83361.99616
1540 | Services d'enseignement | 110728.17501999998 | 0 | 23569.8477 | 85128.237 | 4599.82 | 7215.278 | 0 | 0 | 0 | 231241.35771999997
1550 | Autres services | 188932.48433284805 | 25322.85698 | 178220.80933000002 | 346233.874 | 567401.24 | 584996.412 | 0 | 0 | 0 | 1891107.6766428482
1560 | Crédit à la consommation | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 20555621.815342862 | 1442244.5385399999 | 15689844.268349998 | 36955071.989999995 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274285
(1) Commerce de gros
Import-export | 508908 | 47438.8891 | 1140637.59801 | 1549272.247 | 2180752.72 | 241434 | 0 | 5668443.45411
Produits pétroliers | 0 | 361695.25393 | 179731.343 | 351.73 | 135257 | 0 | 677035.32693
Produits pharmaceutiques | 0 | 19382.305170000003 | 83347.608 | 107613.61 | 21463 | 0 | 231806.52317
Produits alimentaires | 417929 | 11234.01665 | 662081.46881 | 2027839.647 | 2643078.59 | 1026626 | 0 | 6788788.72246
Matériaux de construction | 149646.90081 | 638621.04038 | 349173.299 | 1370981.93 | 865325 | 0 | 3373748.17019
Appareils électroménagers électron.,équipe.inform. | 112056.06924 | 0 | 0 | 0 | 0 | 0 | 112056.06924
Autres | 2790375 | 0 | 383949.89032 | 1503011.183 | 1237719.41 | 36313 | 30190 | 0 | 5981558.483320001
S-Total | 3717212 | 320375.8758 | 3206367.55662 | 5692375.327 | 7540497.99 | 2326418 | 0 | 30190 | 0 | 22833436.749420002
(2) Commerce de détail
Produits pétroliers | 34467 | 4910.85576 | 57805.35254 | 44069.575 | 121151.52 | 33315 | 186051.2 | 481770.50330000004
Produits pharmaceutiques | 2230 | 1162.62956 | 1785.127 | 1000.7 | 63039 | 0 | 69217.45656
Véhicules automobiles | 168373 | 325406.21855 | 2244150.71 | 5286612.56 | 751518 | 0 | 8776060.48855
Produits alimentaires | 286 | 612286.46949 | 450868.908 | 497833.82 | 89199 | 8910 | 0 | 1659384.1974900002
Librairie ,papeterie | 761 | 0 | 27480.784 | 155154.49 | 0 | 0 | 183396.27399999998
Appareils électro- ménagers électroni.équip. inform. | 31803 | 55364.38193 | 393914.663 | 301381.12 | 324149 | 0 | 1106612.16493
Matériaux de construction | 0 | 0 | 204216.712 | 269215.15 | 6 | 0 | 473437.862
Autres | 47740 | 436941.89625 | 80166.87006 | 3169556.426 | 1004116.47 | 121698 | 0 | 4860219.66231
S-Total | 285660 | 441852.75201 | 1132191.92213 | 6536042.904999999 | 7636465.83 | 1382924 | 0 | 194961.2 | 0 | 17610098.60914
[Secteur d'activité juin 19 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.008472288749108105 | 0.0003983054343388387 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138716
200 | Industrie alimentaire | 0.050017141433058375 | 0.0008385073388623962 | 0.045734906943436654 | 0.01215179930163627 | 0.0562734952333167 | 0.05172088928960822 | 0.0027092464240669094 | 0.21179454612701232 | #DIV/0! | 0.03989335077354298
210 | Industrie des boissons | 0 | 0 | 0.04265951170274988 | 0.03500950614708843 | 0.04845236007926823 | 0.03792730487444739 | 0 | 0 | #DIV/0! | 0.0330853051276226
220 | Industrie du bois | 0.002544049331025102 | 0 | 9.78764271802104e-06 | 3.712851649622778e-05 | 0 | 8.129584718501307e-05 | 0 | 0 | #DIV/0! | 0.0004103271860106984
230 | Industrie chimique | 0 | 0 | 0.004626963569450043 | 0.01059538782946909 | 0.0003145217137380012 | 0.0020029881866775756 | 0 | 0.20348887765144325 | #DIV/0! | 0.005030046336174619
240 | Industrie du textile | 0.00034533095976214327 | 0 | 0.02650250164743854 | 0.03143794265410657 | 0.0029631022263362844 | 0.010478577406327955 | 0 | 0 | #DIV/0! | 0.013706842889928047
250 | Industrie pharmacie | 0 | 0 | 0.0010343288118376363 | 0 | 0.0004717452514843115 | 0.005486941333175579 | 0 | 0 | #DIV/0! | 0.0007453911024472625
260 | Imprimerie, édition | 0.004766793784507542 | 0 | 0.000493587558139251 | 0.003621843600689466 | 0.003165976441105737 | 0.0066949490587974985 | 0 | 0 | #DIV/0! | 0.0033623208299150224
270 | Sidérurgie, aciérie | 0.001039483859546946 | 0 | 0.006976653406994682 | 0.007473883208094923 | 0 | 0.02827404618331625 | 0 | 0 | #DIV/0! | 0.005507655388069474
280 | Industrie de la fabrication | 0.0019749788765669046 | 0.001690927228241581 | 0.024221185424803775 | 0.039503012100613154 | 0.01932830798537582 | 0.025128654327934968 | 0 | 0 | #DIV/0! | 0.02230750670357335
290 | Autres industries | 0 | 0 | 0.003002737493388424 | 3.6633401779499556e-05 | 0.04726294763312254 | 0.010478154897260032 | 0 | 0 | #DIV/0! | 0.015982282655901344
300 | Production et distribution de l'électricité | 0.06247401234544595 | 0 | 0.023160324869700866 | 0.07550611279434286 | 0 | 0.00047074224457974915 | 0 | 0.06646976250352855 | #DIV/0! | 0.03371117857354331
400 | Production et distribution de gaz | 0 | 0 | 2.8168858303555275e-07 | 0.015529563713346187 | 0.002033831272186831 | 0.01654109193093369 | 0 | 0 | #DIV/0! | 0.00637095414767757
500 | Traitement et distribution de l'eau | 0 | 0 | 0.030450597040262626 | 0.0012632104197397346 | 0.0012491882907228835 | 0.0007605152879668821 | 0 | 0 | #DIV/0! | 0.004384401948714758
600 | Entrep/ batiment et corps/ métiers corresp. | 0.04697429008882037 | 0.09278437322804162 | 0.09973994313358286 | 0.0837138863330354 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328124
700 | Commerce de gros(1) | 0.13574751178527308 | 0.22213700051471166 | 0.20435942522883904 | 0.154035022054357 | 0.1815514642808946 | 0.20051668259846628 | 0 | 0.09549719387562769 | #DIV/0! | 0.16451487714333518
800 | Commerce de détail(2) | 0.013896973338019118 | 0.3063646560640073 | 0.07216081324745141 | 0.17686456970693082 | 0.18386206789075973 | 0.119195833857386 | 0 | 0.23217667433127603 | #DIV/0! | 0.1319477265685051
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006365282658700129 | 2.377556585148336e-05 | 0.0006845203398012732 | 7.993990651132811e-05 | 0.0005349655307015526 | 0.0018802533534305755 | 0 | 0 | #DIV/0! | 0.0014131651681836199
1000 | Hotels,motels et pensions | 0.06941822098443773 | 0 | 0.009954491910098794 | 0.023219886304975915 | 0.000921115883151738 | 0.02888280538482477 | 0.034743089726163134 | 0 | #DIV/0! | 0.022349921818830883
1100 | Transport | 0.1108271694986913 | 0.10174641149173619 | 0.020308806079915896 | 0.00860668727924727 | 0.03559703562613058 | 0.006681934624543931 | 0 | 0 | #DIV/0! | 0.03459818658319067
1200 | Immobilier résidentiel | 0.10145788625345044 | 0.17868630785101258 | 0.11950138656265819 | 0.011558919033240939 | 0.06669031092316557 | 0.03976685746910418 | 0.71011005257615 | 0 | #DIV/0! | 0.08479300309936035
1300 | Immobilier commercial | 0.16738928835339326 | 0.0416428177573815 | 0.09239555222000001 | 0.1403468338907165 | 0.11674987030479274 | 0.01610500818621533 | 0.18990098486281404 | 0 | #DIV/0! | 0.12057984801420149
1400 | Télécommunications | 0.00017365962859540275 | 0 | 0.0019323672664590705 | 0.001042168257997757 | 0.036115388850327175 | 0.0030155277203078416 | 0 | 0 | #DIV/0! | 0.012043759582581257
1500 | Services financiers | 0.012564540528941235 | 0 | 0.023540104177773413 | 0.040781081644430596 | 0.04367317017860562 | 0.16876531654035076 | 0 | 0.19057294551111226 | #DIV/0! | 0.04545576014962134
1510 | Services professionnels | 0.043238396576047104 | 0.01796241852038846 | 0.03553931834969321 | 0.0036854971906658714 | 0.008264951977953964 | 0.034595938524810986 | 0 | 0 | #DIV/0! | 0.01763161133756308
1520 | Services médicaux | 0.00010105119994227494 | 0 | 0.0005715437691175407 | 0.00012165418054703133 | 0.00011038057494534312 | 0.003283880364148202 | 0 | 0 | #DIV/0! | 0.0004362628631732691
1530 | Services d'agence ou de représentation | 7.905436160472071e-05 | 0.0006526069503808323 | 0.0009021018021543734 | 0.0008767731533243323 | 0.0007420560840294182 | 0.000294808589546914 | 0 | 0 | #DIV/0! | 0.0006246089513321259
1540 | Services d'enseignement | 0.0053867587181114455 | 0 | 0.0015022359238801221 | 0.0023035603075820177 | 0.00011074919157011069 | 0.000621893182901458 | 0 | 0 | #DIV/0! | 0.0017326291188239488
1550 | Autres services | 0.009191280421000326 | 0.017557949642599865 | 0.011358991605130979 | 0.009369048830257739 | 0.01366123644531272 | 0.05042151953737786 | 0 | 0 | #DIV/0! | 0.014169559717558743
1560 | Crédit à la consommation | 0.15402134981423216 | 0.017912247846784624 | 0.08820274183483243 | 0.11083014280443837 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919808
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.999994504799173 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.024757606681601207 | 0.03289240335624562 | 0.07269910258516248 | 0.04192312891229738 | 0.05250566342907331 | 0.020809476602374935 | 0 | 0 | #DIV/0! | 0.0424721178072747
Produits pétroliers | 0 | 0 | 0.02305282625778651 | 0.004863509481151467 | 8.468551628314812e-06 | 0.011657957772341205 | 0 | 0 | #DIV/0! | 0.005072843082558814
Produits pharmaceutiques | 0 | 0 | 0.0012353408254725984 | 0.002255376691528399 | 0.002590997106287024 | 0.0018499208740971578 | 0 | 0 | #DIV/0! | 0.0017368637510942237
Produits alimentaires | 0.02033161554315301 | 0.0077892592759424275 | 0.04219809052825143 | 0.05487310774414758 | 0.06363701560034263 | 0.08848608616180724 | 0 | 0 | #DIV/0! | 0.050866562703374495
Matériaux de construction | 0 | 0.10375972784857221 | 0.04070282849577064 | 0.009448589332865754 | 0.033008930872236324 | 0.07458336580991115 | 0 | 0 | #DIV/0! | 0.02527858501128597
Appareils électroménagers électron.,équipe.inform. | 0 | 0.07769561003395138 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0008396059010398402
Autres | 0.13574753539770051 | 0 | 0.024471236537032728 | 0.04067130983824665 | 0.029800388721327002 | 0.0031298596049522476 | 0 | 0.03595286548329218 | #DIV/0! | 0.044818204262136126
S-Total | 0.1808367576224547 | 0.22213700051471164 | 0.2043594252294764 | 0.15403502200023722 | 0.1815514642808946 | 0.20051666682548394 | - | 0.03595286548329218 | #DIV/0! | 0.17108478251876416
(2) Commerce de détail
Produits pétroliers | 0.0016767675679980444 | 0.0034050090874126757 | 0.003684252791253423 | 0.001192517633626182 | 0.0029169473800040213 | 0.0028714585062920754 | 0 | 0.22156587501176186 | #DIV/0! | 0.003609776429434335
Produits pharmaceutiques | 0.00010848613678694518 | 0 | 7.41007711813488e-05 | 4.830533141656586e-05 | 2.4093707145977403e-05 | 0.005433404555850101 | 0 | 0 | #DIV/0! | 0.0005186277314285774
Véhicules automobiles | 0.008191092515349023 | 0 | 0.020739926603759777 | 0.06072646024359701 | 0.12728499531816317 | 0.06477420842658285 | 0 | 0 | #DIV/0! | 0.06575665400405548
Produits alimentaires | 1.39134686641553e-05 | 0 | 0.03902438156923723 | 0.012200460822319726 | 0.011986271876129937 | 0.0076881653100029064 | 0 | 0.010610799319514188 | #DIV/0! | 0.012433318192884915
Librairie ,papeterie | 3.702150228469295e-05 | 0 | 0 | 0.0007436268560763803 | 0.0037356319021120007 | 0 | 0 | 0 | #DIV/0! | 0.0013741388121452493
Appareils électro- ménagers électroni.équip. inform. | 0.0015471679857557029 | 0 | 0.0035286763197313956 | 0.01065928549960863 | 0.007256309028286872 | 0.027938778428817947 | 0 | 0 | #DIV/0! | 0.00829154645651303
Matériaux de construction | 0 | 0 | 0 | 0.00552608075165598 | 0.006481853685780333 | 5.171469619616525e-07 | 0 | 0 | #DIV/0! | 0.0035473421958030975
Autres | 0.0023224790000936153 | 0.3029596469765946 | 0.005109475192288231 | 0.08576783254157044 | 0.024175964993137407 | 0.010489291829468197 | 0 | 0 | #DIV/0! | 0.03641631494395381
S-Total | 0.013896928176932178 | 0.3063646560640073 | 0.0721608132474514 | 0.1768645696798709 | 0.1838620678907597 | 0.11919582420397605 | - | 0.23217667433127606 | #DIV/0! | 0.13194771876621847
[Secteur d'activité juin19 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2019
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 3076035.4429461 | 762228.62781 | 4338559.47874 | 12228418.235 | 15176963.82 | 3709342.295 | 0 | 275151.2 | 0 | 39566699.099496104
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3008203.9532083515 | 52204.56598 | 1318783.3108400002 | 2972571.4420000003 | 2825062.9299999997 | 3350069.9420000003 | 168310.15 | 160026.11051 | 0 | 13855232.40453835
Industries Manufacturières ( 200 à 290 ) | 1247587.975676656 | 3648.06319 | 2436039.17708 | 5168800.108 | 7402647.43 | 2068353.6539999996 | 13124.73 | 348717.86699999997 | 0 | 18688919.004946653
Prêts aux Particuliers ( 1560 ) | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5526320.847341727 | 317768.47809 | 3324629.9704400003 | 5613688.034999999 | 7618943.33 | 648231.97 | 4360032.28 | 0 | 0 | 27409614.91087173
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2281691.06473 | 146743.20629 | 348960.54615 | 356574.151 | 2978479.9299999997 | 112511.101 | 0 | 0 | 0 | 6224959.99917
Bâtiments et Travaux Publics ( 600 ) | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999
Électricité, Gaz et Eau ( 300 à 500 ) | 1284192.171060048 | 0 | 841151.4355 | 3410912.011 | 136355.84 | 206196.89299999998 | 0 | 55815.36 | 0 | 5934623.710560048
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998
Total | 20555621.815342866 | 1442244.53854 | 15689844.268350003 | 36955071.99 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274288
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.1496444851232924 | 0.5285016565787188 | 0.27652023847629037 | 0.33089959176128775 | 0.36541353217165434 | 0.31971251645585225 | 0 | 0.32767386820690375 | #DIV/0! | 0.29646260371184024
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14634458544878493 | 0.03619675067922064 | 0.0840533078776497 | 0.08043744151829482 | 0.06801862586627046 | 0.28874641547739155 | 0.034743089726163134 | 0.19057294551111226 | #DIV/0! | 0.10381351912508698
Industries Manufacturières ( 200 à 290 ) | 0.06069327344529404 | 0.0025294345671039767 | 0.15526216420095684 | 0.1398671367599736 | 0.17823245656374762 | 0.17827380140473045 | 0.0027092464240669094 | 0.4152834237784555 | #DIV/0! | 0.14003102899318534
Prêts aux Particuliers ( 1560 ) | 0.15402134981423213 | 0.017912247846784624 | 0.0882027418348324 | 0.11083014280443836 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919805
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.26884717460684365 | 0.22032912560839404 | 0.21189693878265814 | 0.15190575292395742 | 0.1834401812279583 | 0.05587186565531951 | 0.900011037438964 | 0 | #DIV/0! | 0.2053728511135618
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11100082912728669 | 0.10174641149173617 | 0.02224117334637496 | 0.009648855537245024 | 0.07171242447645775 | 0.009697462344851773 | 0 | 0 | #DIV/0! | 0.04664194616577191
Bâtiments et Travaux Publics ( 600 ) | 0.04697429008882036 | 0.0927843732280416 | 0.09973994313358284 | 0.08371388633303539 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328122
Électricité, Gaz et Eau ( 300 à 500 ) | 0.06247401234544594 | 0 | 0.05361120359854651 | 0.09229888692742876 | 0.0032830195629097144 | 0.01777234946348032 | 0 | 0.06646976250352855 | #DIV/0! | 0.04446653466993563
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.008472288749108103 | 0.00039830543433883866 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138714
Total | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 | #DIV/0! | 1
[Secteur d' activité mars 19 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154
200 | Industrie alimentaire | 847222 | 1209.3326299999999 | 628419.25241 | 372290.723 | 1609119.45 | 582148.378 | 13548.62 | 167218.22217 | 0 | 4221175.97821
210 | Industrie des boissons | 200 | 0 | 500545.69093 | 1350918.479 | 3857342.1 | 410293.888 | 0 | 0 | 0 | 6119300.157930001
220 | Industrie du bois | 45600 | 0 | 96.53982 | 12156.266 | 852.01 | 28963.797 | 0 | 0 | 0 | 87668.61282
230 | Industrie chimique | 28 | 0 | 13386.478939999999 | 471919.235 | 15861.86 | 9205.686 | 0 | 160660.64483 | 0 | 671061.9047699999
240 | Industrie du textile | 13830 | 0 | 386817.95548 | 1088543.565 | 68831.81 | 179209.008 | 0 | 33042.44 | 0 | 1770274.7784799999
250 | Industrie pharmacie | 0 | 0 | 18320.701129999998 | 0 | 26193.49 | 147411.154 | 0 | 0 | 0 | 191925.34513
260 | Imprimerie, édition | 4143 | 0 | 4132.34918 | 93187.506 | 111128.75 | 55545.629 | 0 | 0 | 0 | 268137.23418
270 | Sidérurgie, aciérie | 19275 | 0 | 96864.66437 | 287897.964 | 0 | 348072.793 | 0 | 0 | 0 | 752110.42137
280 | Industrie de la fabrication | 42414 | 2664.82652 | 328870.52189 | 1334172.019 | 641096.67 | 261382.786 | 0 | 0 | 0 | 2610600.8234099997
290 | Autres industries | 0 | 0 | 44140.562439999994 | 3572.031 | 271547.03 | 106744.424 | 0 | 0 | 0 | 426004.04744
300 | Production et distribution de l'électricité | 835624 | 0 | 374041.55511 | 2250900.74 | 0 | 5004.494 | 0 | 178429.176 | 0 | 3643999.96511
400 | Production et distribution de gaz | 0 | 0 | 7308.42373 | 530560.475 | 40854.57 | 171126.452 | 0 | 0 | 0 | 749849.9207299999
500 | Traitement et distribution de l'eau | 0 | 0 | 486723.61318 | 42486.938 | 36821.2 | 11019.794 | 0 | 0 | 0 | 577051.5451799999
600 | Entrep/ batiment et corps/ métiers corresp. | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317
700 | Commerce de gros(1) | 2307209 | 298220.53396 | 2761292.86391 | 6005539.1 | 5925972.14 | 2056406.556 | 0 | 38700 | 0 | 19393340.19387
800 | Commerce de détail(2) | 337200 | 424631.10247000004 | 1122466.50881 | 6184274.206 | 7418369.19 | 1224199.433 | 0 | 48907.294 | 0 | 16760047.73428
900 | Rest/débits/boissons, casinos/activités/loterie | 118135 | 34.29018 | 10856.44436 | 3571.791 | 23362.91 | 25845.508 | 0 | 0 | 0 | 181805.94354
1000 | Hotels,motels et pensions | 948195 | 0 | 58313.318049999994 | 811556.416 | 43423.36 | 321419.163 | 166765.37 | 0 | 0 | 2349672.6270500002
1100 | Transport | 1984910 | 141709.12316 | 271416.53914 | 320847.326 | 1409393.34 | 83409.874 | 0 | 0 | 0 | 4211686.2023
1200 | Immobilier résidentiel / Avance Hypothécaire | 2040519 | 269481.10802999994 | 1622116.87545 | 474152.812 | 2656904.16 | 360553.54 | 3745497.44 | 0 | 0 | 11169224.93548
1300 | Immobilier commercial | 3376706 | 60464.05072 | 1633457.226 | 4879002.443 | 4459777.43 | 176950.643 | 540143 | 0 | 0 | 15126500.79272
1400 | Télécommunications | 9064 | 0 | 33542.66662 | 36144.098 | 1506010.77 | 32833.183 | 0 | 0 | 0 | 1617594.71762
1500 | Services financiers | 337317 | 0 | 629472.46057 | 1511713.274 | 1800869.3 | 1929605.947 | 0 | 201853.98868 | 0 | 6410831.97025
1510 | Services professionnels | 820020 | 24867.21817 | 226449.55718 | 126335.376 | 259896.89 | 329234.217 | 0 | 0 | 0 | 1786803.25835
1520 | Services médicaux | 2339 | 0 | 5100.435769999999 | 4693.75 | 3935.29 | 40875.743 | 0 | 0 | 0 | 56944.21877000001
1530 | Services d'agence ou de représentation | 1258 | 941.2188100000001 | 17377.773149999997 | 31677.65 | 19342.18 | 11399.556 | 0 | 0 | 0 | 81996.37796
1540 | Services d'enseignement | 46035 | 0 | 22732.41923 | 50537.16 | 7558.15 | 8003.806 | 0 | 0 | 0 | 134866.53523
1550 | Autres services | 200797 | 9840.29603 | 34533.685359999996 | 619333.164 | 396406.88 | 487404.507 | 0 | 0 | 0 | 1748315.53239
1560 | Crédit à la consommation | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 18211433 | 1377947.49883 | 14162801.033789998 | 36741983.645 | 37961418.75 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.7663
(1) Commerce de gros
Import-export | 455229.904172949 | 46692.91004 | 1239023.95009 | 1407079.21 | 1584484.42 | 201263 | 0 | 4933773.394302949
Produits pétroliers | 263738.48050999996 | 1072461.139 | 564 | 128100 | 0 | 1464863.6195099999
Produits pharmaceutiques | 16534.92931 | 87996.935 | 90721.27 | 20396 | 0 | 215649.13431
Produits alimentaires | 250628.150877273 | 11546.014 | 823948.42317 | 2057910.48 | 1935265.21 | 958846 | 0 | 6038144.278047273
Matériaux de construction | 0 | 134004.1537 | 76924.63028 | 238059.791 | 1312853.13 | 109863 | 0 | 1871704.70498
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 1601351.07174 | 105977.45558 | 341122.45055 | 1142031.546 | 1002084.1 | 37937 | 38700 | 0 | 4269203.62387
S-Total | 2307209.126790222 | 298220.53332 | 2761292.8639100003 | 6005539.101000001 | 5925972.129999999 | 1456405 | 0 | 38700 | 0 | 18793338.755020224
(2) Commerce de détail
Produits pétroliers | 31061.75745 | 4910.8557599999995 | 58753.59335 | 53139.222 | 163308.61 | 40902 | 352076.03856
Produits pharmaceutiques | 2497.00887 | 1043.9993 | 2724.544 | 1242.46 | 48413 | 0 | 55921.01217
Véhicules automobiles | 230162.11278 | 304309.84517000004 | 2285312.93 | 5063512.93 | 613979 | 0 | 8497276.81795
Produits alimentaires | 553.33561 | 638510.57326 | 508156.663 | 450501.22 | 84451 | 0 | 1682172.7918699998
Librairie ,papeterie | 945.96859 | 7484.6896 | 28629.42 | 37786.21 | 17 | 0 | 74863.28818999999
Appareils électro- ménagers électroni.équip. inform. | 29.98775 | 47434.53991 | 226021.495 | 303233.73 | 310305 | 44607.294 | 0 | 931632.04666
Matériaux de construction | 29004.92313 | 0 | 188222.876 | 515128.98 | 63 | 0 | 732419.7791299999
Autres | 42945.17213299 | 419720.24671 | 68671.61301999999 | 2892067.057 | 883655.06 | 126068 | 4300 | 0 | 4437427.14886299
S-Total | 337200.26631299 | 424631.10247 | 1126208.85361 | 6184274.207 | 7418369.200000001 | 1224198 | 0 | 48907.294 | 0 | 16763788.923392989
[Non apparentés déc. 15 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DECEMBRE 2015
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 1271385500 | 1 | 407756000 | 1 | 777875000 | 8 | 2457016500 | 0.5174509410091467 | 0.16595574347994815 | 0.3165933155109052 | 1
BPH | 24 | 90763000 | 6 | 46317000 | 10 | 399638000 | 40 | 536718000 | 0.16910742699145548 | 0.08629671447575822 | 0.7445958585327863 | 1
BUH | 1 | 46070000 | 4 | 323444000 | 2 | 374868000 | 7 | 744382000 | 0.06189026601932879 | 0.43451346217399134 | 0.5035962718066799 | 1
CAPITALBK | 5 | 511418610 | 3 | 634341010 | 0 | 0 | 8 | 1145759620 | 0.44635768364746525 | 0.5536423163525348 | 0 | 1
SOGEBK | 9 | 2994096900.7200003 | 6 | 3362866544.34 | 1 | 915485203.34 | 16 | 7272448648.400001 | 0.41170409658082996 | 0.4624118652360452 | 0.1258840381831248 | 1
SOGEBL | 7 | 253504072.72 | 2 | 169656587.54 | 0 | 0 | 9 | 423160660.26 | 0.5990728735611696 | 0.40092712643883044 | 0 | 1
UNIBK | 4 | 2087539000 | 5 | 4653720000 | 0 | 0 | 9 | 6741259000 | 0.3096660430937307 | 0.6903339569062693 | 0 | 1
CBNA | 2 | 94433000 | 2 | 174253000 | 5 | 1850616000 | 9 | 2119302000 | 0.04455853861318491 | 0.08222188248772473 | 0.8732195788990904 | 1
SCOTIABK | 1 | 24375000 | 2 | 88351000 | 0 | 0 | 3 | 112726000 | 0.21623228004187145 | 0.7837677199581286 | 0 | 1
[Non apparentés sept. 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2015
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 920530500 | 2 | 921079000 | 0 | 0 | 7 | 1841609500 | 0.499851081350308 | 0.500148918649692 | 0 | 1
BPH | 18 | 80947000 | 6 | 48936000 | 9 | 376113000 | 33 | 505996000 | 0.15997557292943027 | 0.09671222697412628 | 0.7433122000964435 | 1
BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0 | 0 | 0 | 0
CAPITALBK | 4 | 316015870 | 5 | 887645820 | 0 | 0 | 9 | 1203661690 | 0.2625454250355015 | 0.7374545749644985 | 0 | 1
SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1
SOGEBL | 6 | 215643401 | 1 | 76305974 | 0 | 0 | 7 | 291949375 | 0.738632857152032 | 0.2613671428479681 | 0 | 1
UNIBK | 9 | 3799089000 | 5 | 3974975000 | 0 | 0 | 14 | 7774064000 | 0.488687641367501 | 0.511312358632499 | 0 | 1
CBNA | 0 | 0 | 4 | 293242000 | 4 | 500400000 | 8 | 793642000 | 0 | 0.36948901393827444 | 0.6305109860617255 | 1
SCOTIABK | 1 | 25000000 | 2 | 89970000 | 0 | 0 | 3 | 114970000 | 0.2174480299208489 | 0.7825519700791511 | 0 | 1
[Non apparentés juin 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2015
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1
BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1
BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1
CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1
SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1
SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1
UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1
CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1
SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1
[Non apparentés mars 15]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 MARS 2015
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1
BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1
BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1
CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1
SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1
SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1
UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1
CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1
SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1
[Non apparentés DéC. 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DECEMBRE 2014
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 4 | 743386500 | 5 | 1533648500 | 1 | 936747000 | 10 | 3213782000 | 0.23131204916823855 | 0.4772098729783165 | 0.29147807785344493 | 1
BPH | 6 | 52193000 | 6 | 102341000 | 6 | 342508000 | 18 | 497042000 | 0.10500722272966873 | 0.20590010502130604 | 0.6890926722490253 | 1
BUH | 6 | 187647000 | 4 | 229489000 | 2 | 221504000 | 12 | 638640000 | 0.2938228109733183 | 0.359340160340724 | 0.34683702868595767 | 1
CAPITALBK | 1 | 69150020 | 6 | 844385210 | 0 | 0 | 7 | 913535230 | 0.07569496799811432 | 0.9243050320018857 | 0 | 1
SOGEBK | 7 | 2080407302 | 7 | 3998178183 | 0 | 0 | 14 | 6078585485 | 0.34225187868687185 | 0.6577481213131282 | 0 | 1
SOGEBL | 7 | 235730310 | 1 | 75635390 | 0 | 0 | 8 | 311365700 | 0.7570850289546986 | 0.24291497104530138 | 0 | 1
UNIBK | 9 | 3337704000 | 8 | 6149121000 | 0 | 0 | 17 | 9486825000 | 0.35182518914389166 | 0.6481748108561083 | 0 | 1
CBNA | 2 | 65458000 | 7 | 495504000 | 5 | 795024000 | 14 | 1355986000 | 0.04827335975445174 | 0.3654197019733242 | 0.586306938272224 | 1
SCOTIABK | 2 | 54012000 | 1 | 44550000 | 2 | 462008000 | 5 | 560570000 | 0.09635192750236367 | 0.0794726795939847 | 0.8241753929036516 | 1
[Non apparentés sept. 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2014
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 5 | 807172000 | 5 | 1463639000 | 1 | 1178140000 | 11 | 3448951000 | 0.2340340584716918 | 0.42437222216262277 | 0.3415937193656854 | 1
BPH | 8 | 76137000 | 7 | 117733000 | 6 | 340386000 | 21 | 534256000 | 0.14251033212542302 | 0.22036813812105058 | 0.6371215297535264 | 1
BUH | 1 | 33168000 | 2 | 130533000 | 2 | 252370000 | 5 | 416071000 | 0.07971716365716429 | 0.3137277051272499 | 0.6065551312155858 | 1
CAPITALBK | 4 | 280073830 | 5 | 751688300 | 0 | 0 | 9 | 1031762130 | 0.2714519382485961 | 0.7285480617514039 | 0 | 1
SOGEBK | 6 | 1869211455 | 7 | 4003560114 | 0 | 0 | 13 | 5872771569 | 0.3182843795367107 | 0.6817156204632893 | 0 | 1
SOGEBL | 4 | 122658800 | 3 | 178547114 | 0 | 0 | 7 | 301205914 | 0.4072257359462072 | 0.5927742640537927 | 0 | 1
UNIBK | 8 | 3018748000 | 8 | 5327083000 | 0 | 0 | 16 | 8345831000 | 0.36170730032755277 | 0.6382926996724473 | 0 | 1
CBNA | 6 | 161979000 | 5 | 323317000 | 4 | 626030000 | 15 | 1111326000 | 0.14575291138693777 | 0.2909290343247616 | 0.5633180542883006 | 1
SCOTIABK | 1 | 25175000 | 2 | 75221000 | 2 | 517789000 | 5 | 618185000 | 0.040724055096775236 | 0.1216804031155722 | 0.8375955417876526 | 1
[Non apparentés juin 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 JUIN 2014
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 956102500 | 4 | 1379948000 | 1 | 1375804000 | 11 | 3711854500 | 0.2575808130410284 | 0.37176780501498646 | 0.37065138194398517 | 1
BPH | 7 | 60508000 | 8 | 133387000 | 8 | 436233000 | 23 | 630128000 | 0.09602493461645888 | 0.21168238834014677 | 0.6922926770433944 | 1
BUH | 1 | 18783000 | 2 | 116421000 | 2 | 225366000 | 5 | 360570000 | 0.05209252017638739 | 0.32288043930443466 | 0.625027040519178 | 1
CAPITALBK | 4 | 245223310 | 6 | 784515870 | 0 | 0 | 10 | 1029739180 | 0.23814118639246104 | 0.7618588136075389 | 0 | 1
SOGEBK | 7 | 2243937185 | 6 | 3516685009 | 0 | 0 | 13 | 5760622194 | 0.38953035096402994 | 0.6104696490359701 | 0 | 1
SOGEBL | 6 | 184614626 | 2 | 122450985 | 0 | 0 | 8 | 307065611 | 0.6012220821432199 | 0.39877791785678013 | 0 | 1
UNIBK | 7 | 2794933000 | 6 | 4111261000 | 0 | 0 | 13 | 6906194000 | 0.4046994625404383 | 0.5953005374595617 | 0 | 1
CBNA | 8 | 252666000 | 5 | 309401000 | 4 | 769098000 | 17 | 1331165000 | 0.18980817554548085 | 0.23242873723392668 | 0.5777630872205924 | 1
SCOTIABK | 2 | 55578000 | 1 | 44550000 | 2 | 527204000 | 5 | 627332000 | 0.08859423718222569 | 0.07101502872482195 | 0.8403907340929524 | 1
[Non apparentés mars 14 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 MARS 2014
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 937491000 | 5 | 1276354000 | 1 | 1609063000 | 12 | 3822908000 | 0.24522980934932256 | 0.3338699231056567 | 0.4209002675450207 | 1
BPH | 9 | 77303000 | 9 | 173744000 | 6 | 320108000 | 24 | 571155000 | 0.1353450464409836 | 0.30419763461757315 | 0.5604573189414432 | 1
BUH | 0 | 0 | 2 | 120333000 | 0 | 0 | 2 | 120333000 | 0 | 1 | 0 | 1
CAPITALBK | 3 | 181318490 | 7 | 785771280 | 0 | 0 | 10 | 967089770 | 0.18748878917414255 | 0.8125112108258574 | 0 | 1
SOGEBK | 7 | 1966515369 | 8 | 4297521801 | 0 | 0 | 15 | 6264037170 | 0.3139373722777574 | 0.6860626277222426 | 0 | 1
SOGEBL | 7 | 173426563 | 3 | 153744093 | 0 | 0 | 10 | 327170656 | 0.5300798217062597 | 0.4699201782937404 | 0 | 1
UNIBK | 6 | 2329520000 | 7 | 4599670000 | 0 | 0 | 13 | 6929190000 | 0.3361893670111514 | 0.6638106329888486 | 0 | 1
CBNA | 6 | 144291000 | 7 | 382373000 | 4 | 848239000 | 17 | 1374903000 | 0.10494631257623264 | 0.27810907387648437 | 0.616944613547283 | 1
SCOTIABK | 2 | 54802000 | 1 | 44550000 | 2 | 527978000 | 5 | 627330000 | 0.08735753112396984 | 0.07101525512887953 | 0.8416272137471507 | 1
[Non apparentés déc. 13]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 31 DÉCEMBRE 2013
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 6 | 888868000 | 5 | 1290177000 | 1 | 1849250000 | 12 | 4028295000 | 0.22065613367442058 | 0.3202786786965701 | 0.4590651876290093 | 1
BPH | 9 | 131606000 | 5 | 143377000 | 3 | 219729000 | 17 | 494712000 | 0.26602548553501837 | 0.28981912708808355 | 0.4441553873768981 | 1
BUH | 8 | 129362000 | 2 | 53707000 | 3 | 196516000 | 13 | 379585000 | 0 | 0 | 0 | 0
CAPITALBK | 7 | 453439100 | 3 | 406075030 | 0 | 0 | 10 | 859514130 | 0.52755281638011 | 0.47244718361989 | 0 | 1
SOGEBK | 5 | 1697231868 | 6 | 3125726039 | 1 | 779466640 | 12 | 5602424547 | 0.3029459573728374 | 0.5579238083043477 | 0.13913023432281488 | 1
SOGEBL | 7 | 183773710 | 2 | 92676250 | 0 | 0 | 9 | 276449960 | 0.6647630189564867 | 0.33523698104351324 | 0 | 1
UNIBK | 6 | 2091605000 | 8 | 5010051000 | 1 | 1022161000 | 15 | 8123817000 | 0.25746579471201775 | 0.6167114547262696 | 0.12582275056171255 | 0.9999999999999999
CBNA | 6 | 132898000 | 5 | 222917000 | 7 | 920941000 | 18 | 1276756000 | 0.10409036652265585 | 0.17459639899871235 | 0.7213132344786318 | 1
SCOTIABK | 2 | 52540000 | 1 | 44550000 | 2 | 524083000 | 5 | 621173000 | 0.08458191196333388 | 0.07171915070358821 | 0.8436989373330779 | 1
[Non apparentés sept. 13 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES NON APPARENTES
AU 30 SEPTEMBRE 2013
Limite
Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit
qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres
réglementaires.
LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES
5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus
Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours
emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total
(individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe)
BNC | 7 | 818453500 | 5 | 1103273000 | 2 | 2351200000 | 14 | 4272926500 | 0.1915440155593596 | 0.2582007904886733 | 0.5502551939519671 | 1
BPH | 7 | 98725000 | 6 | 165900000 | 2 | 180898000 | 15 | 445523000 | 0.22159349797878 | 0.37237134783164955 | 0.4060351541895705 | 1
BUH | 5 | 78191820 | 2 | 51018829 | 0 | 0 | 7 | 129210649 | 0.6051499671671798 | 0.39485003283282016 | 0 | 1
CAPITALBK | 9 | 528081050 | 4 | 425166050 | 0 | 0 | 13 | 953247100 | 0.5539812814536755 | 0.44601871854632447 | 0 | 1
SOGEBK | 5 | 1408727705 | 6 | 3159970620 | 1 | 816660703 | 12 | 5385359028 | 0.2615847332880923 | 0.5867706504933881 | 0.15164461621851966 | 1
SOGEBL | 6 | 147806581 | 3 | 134909608 | 0 | 0 | 9 | 282716189 | 0.5228090457883189 | 0.4771909542116812 | 0 | 1
UNIBK | 6 | 2176665000 | 8 | 5254876000 | 0 | 0 | 14 | 7431541000 | 0.29289551117325463 | 0.7071044888267454 | 0 | 1
CBNA | 5 | 119947000 | 6 | 290928000 | 5 | 676619000 | 16 | 1087494000 | 0.11029670048754292 | 0.26752147598055714 | 0.6221818235319 | 1
SCOTIABK | 3 | 69873000 | 1 | 44550000 | 2 | 528614000 | 6 | 643037000 | 0.10866093241912984 | 0.06928061682298219 | 0.822058450757888 | 1
[Secteur d'activité mars.19 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2019
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.006984903784497157 | 0.0004216015974986153 | 0.02295945511783592 | 0 | 0 | 0 | #DIV/0! | 0.0007655951320740723
200 | Industrie alimentaire | 0.046521435188543375 | 0.0008776333140608267 | 0.0443711135184841 | 0.01013257004839647 | 0.042388285342997094 | 0.05323486276795954 | 0.0029302635018359393 | 0.20175657380153808 | #DIV/0! | 0.0742988577501342
210 | Industrie des boissons | 0 | 0 | 0.035342280791475104 | 0.03676770672080571 | 0.10161216906573071 | 0.03751953908598292 | 0 | 0 | #DIV/0! | 0.05109252814928166
220 | Industrie du bois | 0.002503921574979849 | 0 | 6.816435517922808e-06 | 0.00033085491838038726 | 2.244410319885634e-05 | 0.002648609558668285 | 0 | 0 | #DIV/0! | 0.00029147234150428566
230 | Industrie chimique | 1.537495703934995e-06 | 0 | 0.0009451858363371886 | 0.012844141447551393 | 0.0004178416013495281 | 0.0008418187689168934 | 0 | 0.193844551299517 | #DIV/0! | 0.004429234193815048
240 | Industrie du textile | 0.000759413056622178 | 0 | 0.027312249501854836 | 0.02962669559481265 | 0.0018132043602822404 | 0.016387861425360122 | 0 | 0.039867242923235145 | #DIV/0! | 0.019463213844529263
250 | Industrie pharmacie | 0 | 0 | 0.001293578938678159 | 0 | 0.0006900029256677874 | 0.013480090042708235 | 0 | 0 | #DIV/0! | 0.0020756109507895806
260 | Imprimerie, édition | 0.00022749445362152445 | 0 | 0.0002917748523149431 | 0.0025362676903994902 | 0.0029274129803170223 | 0.0050793990826424554 | 0 | 0 | #DIV/0! | 0.003040037681975695
270 | Sidérurgie, aciérie | 0.0010584010604766797 | 0 | 0.006839371967374083 | 0.007835667414739005 | 0 | 0.03182969852509902 | 0 | 0 | #DIV/0! | 0.010885899304201292
280 | Industrie de la fabrication | 0.0023289765280963886 | 0.0019339100526418278 | 0.023220725978241995 | 0.03631192131297896 | 0.0168881114328742 | 0.02390228551425584 | 0 | 0 | #DIV/0! | 0.027382441168277937
290 | Autres industries | 0 | 0 | 0.003116654843536122 | 9.721932910625789e-05 | 0.007153237127102897 | 0.009761299657670586 | 0 | 0 | #DIV/0! | 0.024308847310698427
300 | Production et distribution de l'électricité | 0.045884582503749154 | 0 | 0.026410139789269187 | 0.06126236301632865 | 0 | 0.0004576385701328483 | 0 | 0.21528311178546977 | #DIV/0! | 0.012333304350819608
400 | Production et distribution de gaz | 0 | 0 | 0.0005160295419361865 | 0.014440169592536432 | 0.0010762129379055412 | 0.01564874786645513 | 0 | 0 | #DIV/0! | 0.001190595406671811
500 | Traitement et distribution de l'eau | 0 | 0 | 0.03436633841136096 | 0.001156359395576123 | 0.0009699637477326897 | 0.0010077108233756582 | 0 | 0 | #DIV/0! | 0.004489361560049613
600 | Entrep/ batiment et corps/ métiers corresp. | 0.05323123117219825 | 0.08561185399310632 | 0.09721475997615961 | 0.09910671234255838 | 0.048419852590467265 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.06408563722825225
700 | Commerce de gros(1) | 0.12669014019929128 | 0.2164237274738085 | 0.19496799095899406 | 0.16345168399249607 | 0.15610512818359823 | 0.18804917258361287 | 0 | 0.04669335258319906 | #DIV/0! | 0.2254000873251844
800 | Commerce de détail(2) | 0.018515841120245728 | 0.30816203290078154 | 0.07925455608194938 | 0.16831628541758337 | 0.1954186496256808 | 0.11194755715074563 | 0 | 0.05900892823338956 | #DIV/0! | 0.13286658506723897
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006486859106584309 | 2.4884968425223322e-05 | 0.0007665464150840217 | 9.721279706916596e-05 | 0.0006154382731019504 | 0.002363455990850842 | 0 | 0 | #DIV/0! | 0.0006066103008250327
1000 | Hotels,motels et pensions | 0.05206591924973724 | 0 | 0.004117357711294149 | 0.022087985881253307 | 0.001143881378248014 | 0.029392343395479522 | 0.03606761995547635 | 0 | #DIV/0! | 0.023513703452789896
1100 | Transport | 0.10899252134634325 | 0.10284072744449527 | 0.019164043785720564 | 0.008732444309485783 | 0.037126993310807176 | 0.007627459533835197 | 0 | 0 | #DIV/0! | 0.012975550864719224
1200 | Immobilier résidentiel | 0.11204604272491901 | 0.19556703594209024 | 0.11453362026197425 | 0.012904932313433344 | 0.06998959068145998 | 0.0329710069593323 | 0.8100673311859027 | 0 | #DIV/0! | 0.0758613042792572
1300 | Immobilier commercial | 0.18541682030184006 | 0.04387979278698162 | 0.11533433408425728 | 0.1327909372052631 | 0.11748184279861773 | 0.016181344057282936 | 0.11682085102926863 | 0 | #DIV/0! | 0.09450387009627269
1400 | Télécommunications | 0.0004977093235880998 | 0 | 0.0023683638949649147 | 0.000983727453292213 | 0.03967214133691987 | 0.003002447584317244 | 0 | 0 | #DIV/0! | 0.005783855406133345
1500 | Services financiers | 0.01852226565586574 | 0 | 0.04444547791557527 | 0.041144029908840266 | 0.04743946246740317 | 0.17645382460343056 | 0 | 0.24354623937365147 | #DIV/0! | 0.030953950806659566
1510 | Services professionnels | 0.045027758112170524 | 0.018046564322018423 | 0.015989037524408518 | 0.003438447341892283 | 0.006846342907033737 | 0.030106995094146962 | 0 | 0 | #DIV/0! | 0.010825050967332635
1520 | Services médicaux | 0.00012843580183942693 | 0 | 0.00036012902799603273 | 0.00012774895458424017 | 0.00010366551434540365 | 0.003737903688092699 | 0 | 0 | #DIV/0! | 0.0011785698792103217
1530 | Services d'agence ou de représentation | 6.907748555536514e-05 | 0.0006830585423604155 | 0.0012270011495988421 | 0.0008621649366040917 | 0.0005095220525708091 | 0.0010424383580016944 | 0 | 0 | #DIV/0! | 0.0006490263605656938
1540 | Services d'enseignement | 0.0025278076689516965 | 0 | 0.001605079332524998 | 0.001375460848502046 | 0.0001991008304978064 | 0.0007319122239852245 | 0 | 0 | #DIV/0! | 0.0028936600845032804
1550 | Autres services | 0.011025875887965544 | 0.007141270649538743 | 0.0024383372524692387 | 0.016856279997944024 | 0.010442362089009121 | 0.04457095995315128 | 0 | 0 | #DIV/0! | 0.023355666974174315
1560 | Crédit à la consommation | 0.1594589508689404 | 0.01880750760969107 | 0.09519620043615105 | 0.11396040822008807 | 0.06956768521724441 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.05849987176205859
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.999989017887829 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.024996929356023167 | 0.03388584113665175 | 0.08748438583115746 | 0.0382962232958122 | 0.04173933620434036 | 0.018404600253421714 | 0 | 0 | #DIV/0! | 0.04512582928669867
Produits pétroliers | 0 | 0 | 0.01862191524690388 | 0.029188983081645477 | 1.4857189709222868e-05 | 0.011714171469486799 | 0 | 0 | #DIV/0! | 0.026074385680376875
Produits pharmaceutiques | 0 | 0 | 0.0011674900516183567 | 0.002394996847481722 | 0.002389828225268846 | 0.0018651228828388193 | 0 | 0 | #DIV/0! | 0.0017438574688723486
Produits alimentaires | 0.013762132330677822 | 0.008379139270402966 | 0.05817693980196441 | 0.056009781613411844 | 0.05097979142310112 | 0.08768217374575753 | 0 | 0 | #DIV/0! | 0.049158191134961796
Matériaux de construction | 0 | 0.0972490997035674 | 0.0054314559737491976 | 0.006479230770448512 | 0.03458387945524296 | 0.01004647947035307 | 0 | 0 | #DIV/0! | 0.05833401357954576
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.08793108547471251 | 0.07690964689872748 | 0.024085804053600748 | 0.031082468410913146 | 0.026397435422510388 | 0.003469168798110232 | 0 | 0.04669335258319906 | #DIV/0! | 0.044832690568225524
S-Total | 0.1266901471614135 | 0.2164237270093496 | 0.19496799095899403 | 0.16345168401971288 | 0.1561051279201729 | 0.13318171661996817 | - | 0.04669335258319906 | #DIV/0! | 0.225268967718681
(2) Commerce de détail
Produits pétroliers | 0.0017056185227159225 | 0.0035638917768418266 | 0.004148444450347362 | 0.0014462807047499026 | 0.004301962765814699 | 0.003740304773184614 | 0 | 0 | #DIV/0! | 0.002291940959462693
Produits pharmaceutiques | 0.00013711215751116345 | 0 | 7.371418249181061e-05 | 7.415342694407755e-05 | 3.272954596829972e-05 | 0.004427152094865452 | 0 | 0 | #DIV/0! | 7.016561637524103e-05
Véhicules automobiles | 0.012638330700280422 | 0 | 0.02148655795163466 | 0.062198953439221695 | 0.13338576630516477 | 0.05614563063750223 | 0 | 0 | #DIV/0! | 0.03146258750817694
Produits alimentaires | 3.038396868604464e-05 | 0 | 0.04508363647393083 | 0.013830409046767729 | 0.011867344130809126 | 0.007722665845196172 | 0 | 0 | #DIV/0! | 0.022564783579663145
Librairie ,papeterie | 5.1943665827944456e-05 | 0 | 0 | 0.0007792018056677788 | 0.0009953845573803797 | 0 | 0 | 0 | #DIV/0! | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 1.646644171274166e-06 | 0 | 0.003349234363797767 | 0.006151586620467018 | 0.007987945129158272 | 0.02837600294956363 | 0 | 0.05382077794636744 | #DIV/0! | 0.021427657112564898
Matériaux de construction | 0.0015926765966192775 | 0 | 0 | 0.005122828364919108 | 0.013569803157054028 | 5.76106793581318e-06 | 0 | 0 | #DIV/0! | 0.01129155070324652
Autres | 0.0023581434878293213 | 0.3045981411239396 | 0.0048487310424090106 | 0.07871287203606286 | 0.023277714297756588 | 0.011528354167176126 | 0 | 0.005188150287022118 | #DIV/0! | 0.04263643786962351
S-Total | 0.01851585574364137 | 0.3081620329007815 | 0.07899031846461144 | 0.16831628544480015 | 0.19541864988910612 | 0.11194587153542403 | - | 0.05900892823338956 | #DIV/0! | 0.1327354754475964
[Secteur d'activité mars 19 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2019
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 2644409 | 722851.63643 | 3883759.37272 | 12189813.306 | 13344341.33 | 3280605.989 | 0 | 87607.294 | 0 | 36153387.92815
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2474096 | 35683.02319 | 1004836.09367 | 3159418.581 | 2554794.96 | 3153788.4469999997 | 166765.37 | 201853.98868 | 0 | 12751236.463539999
Industries Manufacturières ( 200 à 290 ) | 972712 | 3874.15915 | 2021594.7165899999 | 5014657.788000001 | 6601973.17 | 2128977.543 | 13548.62 | 360921.307 | 0 | 17118259.30374
Prêts aux Particuliers ( 1560 ) | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5417225 | 329945.15874999994 | 3255574.10145 | 5353155.255 | 7116681.59 | 537504.183 | 4285640.4399999995 | 0 | 0 | 26295725.728199996
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1993974 | 141709.12316 | 304959.20576000004 | 356991.424 | 2915404.1100000003 | 116243.057 | 0 | 0 | 0 | 5829280.919920001
Bâtiments et Travaux Publics ( 600 ) | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317
Électricité, Gaz et Eau ( 300 à 500 ) | 835624 | 0 | 868073.59202 | 2823948.1530000004 | 77675.76999999999 | 187150.74 | 0 | 178429.176 | 0 | 4970901.43102
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154
Total | 18211433 | 1377947.4988299997 | 14162801.03379 | 36741983.644999996 | 37961418.75000001 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.76630001
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.14520598131953702 | 0.52458576037459 | 0.2742225470409434 | 0.3317679694100795 | 0.351523777809279 | 0.2999967297343585 | 0 | 0.10570228081658861 | #DIV/0! | 0.2895895426546214
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13585399896866984 | 0.02589577848234281 | 0.07094896632895106 | 0.08598933066668943 | 0.06729977551221 | 0.28839983330713875 | 0.03606761995547635 | 0.24354623937365147 | #DIV/0! | 0.10213772338836061
Industries Manufacturières ( 200 à 290 ) | 0.053412161470214894 | 0.002811543366702655 | 0.14273975266381442 | 0.13648304447717036 | 0.1739127089395203 | 0.1946854644292639 | 0.0029302635018359393 | 0.4354683680242902 | #DIV/0! | 0.13711768569698612
Prêts aux Particuliers ( 1560 ) | 0.1594589508689404 | 0.018807507609691073 | 0.09519620043615104 | 0.1139604082200881 | 0.0695676852172444 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.09212149348477613
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.29746286302675906 | 0.23944682872907191 | 0.2298679543462315 | 0.14569586951869648 | 0.18747143348007766 | 0.04915235101661523 | 0.9268881822151712 | 0 | #DIV/0! | 0.21062942157826323
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10949023066993135 | 0.10284072744449528 | 0.02153240768068548 | 0.009716171762777998 | 0.07679913464772703 | 0.010629907118152442 | 0 | 0 | #DIV/0! | 0.0466926861449282
Bâtiments et Travaux Publics ( 600 ) | 0.05323123117219825 | 0.08561185399310633 | 0.0972147599761596 | 0.0991067123425584 | 0.04841985259046725 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.0739965993475835
Électricité, Gaz et Eau ( 300 à 500 ) | 0.045884582503749154 | 0 | 0.06129250774256633 | 0.07685889200444122 | 0.0020461766856382305 | 0.017114097259963636 | 0 | 0.21528311178546977 | #DIV/0! | 0.03981704494337127
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006984903784497156 | 0.00042160159749861544 | 0.022959455117835915 | 0 | 0 | 0 | #DIV/0! | 0.007897802761109426
Total | 1 | 1 | 1 | 1 | 0.9999999999999998 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d' activité déc 18 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2018
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6
200 | Industrie alimentaire | 947855 | 1209.33 | 656375.17 | 327363.49 | 1777830.06 | 678263.01 | 13959.01 | 160792.12 | 0 | 4563647.1899999995
210 | Industrie des boissons | 301 | 0 | 332710.03 | 923382.98 | 2342886.51 | 254212.72 | 0 | 0 | 0 | 3853493.2399999998
220 | Industrie du bois | 44108 | 0 | 151.4 | 13169.7 | 0 | 28924.59 | 0 | 0 | 0 | 86353.69
230 | Industrie chimique | 69 | 0 | 14442.52 | 450314.1 | 40093.41 | 8715.5 | 0 | 154486.55 | 0 | 668121.0800000001
240 | Industrie du textile | 20874 | 0 | 385158.33 | 1054237.63 | 25846.23 | 267535.92 | 0 | 30522.4 | 0 | 1784174.5099999998
250 | Industrie pharmacie | 0 | 0 | 20136.61 | 0 | 33873.61 | 137004.51 | 0 | 0 | 0 | 191014.73
260 | Imprimerie, édition | 835 | 0 | 7425.7 | 35778.17 | 74498.77 | 54710.82 | 0 | 0 | 0 | 173248.46
270 | Sidérurgie, aciérie | 284880 | 0 | 110999.64 | 305594.57 | 0 | 296445.9 | 0 | 0 | 0 | 997920.11
280 | Industrie de la fabrication | 44207 | 2701.47 | 332458.91 | 1092169.02 | 542254.65 | 250013.37 | 0 | 0 | 0 | 2263804.42
290 | Autres industries | 0 | 0 | 50267.35 | 4884.03 | 1776111.37 | 77631.26 | 0 | 0.02 | 0 | 1908894.03
300 | Production et distribution de l'électricité | 756972 | 0 | 392726.45 | 2410727.7 | 0 | 4528.05 | 0 | 187712.76 | 0 | 3752666.96
400 | Production et distribution de gaz | 0 | 0 | 6755.41 | 502833.71 | 17974 | 164044.42 | 0 | 0 | 0 | 691607.54
500 | Traitement et distribution de l'eau | 0 | 0 | 433031.46 | 46263.46 | 40208.22 | 10823.12 | 0 | 0 | 0 | 530326.26
600 | Entrep/ batiment et corps/ métiers corresp. | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85
700 | Commerce de gros(1) | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.3 | 2119434.57 | 0 | 41544 | 0 | 17796373.86
800 | Commerce de détail(2) | 385740 | 393656.51 | 899238.21 | 6016129.43 | 7390252.13 | 1167814.21 | 0 | 45821.24 | 0 | 16298651.729999999
900 | Rest/débits/boissons, casinos/activités/loterie | 112001 | 34.29 | 11011.46 | 3965.65 | 24633.75 | 18456.88 | 0 | 0 | 0 | 170103.03
1000 | Hotels,motels et pensions | 941288 | 0 | 55431.55 | 789095.19 | 41733.79 | 298289.77 | 131871.76 | 0 | 0 | 2257710.0599999996
1100 | Transport | 1848966 | 139147.91 | 232260.49 | 187752.5 | 1380085.92 | 77845.32 | 0 | 0 | 0 | 3866058.1399999997
1200 | Immobilier résidentiel / Avance Hypothécaire | 2023812 | 294176.74 | 1570170.09 | 456282.43 | 2672425.39 | 341428.31 | 3194888.67 | 0 | 0 | 10553183.629999999
1300 | Immobilier commercial | 3275054 | 61192.82 | 1647514.99 | 4825066.25 | 4519706.89 | 172711.56 | 906743.77 | 0 | 0 | 15407990.28
1400 | Télécommunications | 15912 | 0 | 29108.84 | 34155.36 | 1517503.51 | 31503.23 | 0 | 0 | 0 | 1628182.94
1500 | Services financiers | 382649 | 0 | 647670.19 | 1661013.39 | 3031108.98 | 2056857.28 | 0 | 188129.07 | 0 | 7967427.910000001
1510 | Services professionnels | 790631 | 24852.58 | 197478.08 | 131996.57 | 374705.36 | 329623.94 | 0 | 0 | 0 | 1849287.5299999998
1520 | Services médicaux | 2586 | 0 | 4765 | 4753.77 | 12119.72 | 43780.31 | 0 | 0 | 0 | 68004.79999999999
1530 | Services d'agence ou de représentation | 1395 | 941.22 | 16908.94 | 22027.73 | 18955.7 | 10655.99 | 0 | 0 | 0 | 70884.58
1540 | Services d'enseignement | 47458 | 0 | 22831.19 | 62632.94 | 3998.31 | 9417.5 | 0 | 0 | 0 | 146337.94
1550 | Autres services | 130184 | 25646.29 | 24365.08 | 685183.47 | 433921.02 | 773896.05 | 0 | 0 | 0 | 2073195.91
1560 | Crédit à la consommation | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0 | 0
Total | 17495183 | 1383272.4000000001 | 13022855.54 | 34595611.93 | 39522410.760000005 | 11166910.1 | 4577759.07 | 809091.4900000001 | 0 | 122573094.28999998
(1) Commerce de gros
Import-export | 179460 | 46815.21 | 1059764.71 | 1420083.66 | 2515715.27 | 223844 | 0 | 5445682.85
Produits pétroliers | 0 | 175541.18 | 73444.99 | 771.78 | 129506 | 0 | 379263.94999999995
Produits pharmaceutiques | 0 | 16003.95 | 101796.69 | 103744.7 | 19047 | 0 | 240592.34
Produits alimentaires | 393536 | 24673.3 | 762344.16 | 1981283.24 | 2086572.79 | 974512 | 0 | 6222921.49
Matériaux de construction | 125870.14 | 59636.69 | 246261.32 | 871125.2 | 735076 | 0 | 2037969.35
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 950902 | 103822.34 | 332844.5 | 1092149.91 | 911231.56 | 37449 | 41544 | 0 | 3469943.31
S-Total | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.300000001 | 2119434 | 0 | 41544 | 0 | 17796373.29
(2) Commerce de détail
Produits pétroliers | 31709 | 5065.92 | 60329.76 | 99684.54 | 184879.51 | 55298 | 436966.73
Produits pharmaceutiques | 2755 | 972.43 | 3587.23 | 1660.32 | 46807 | 0 | 55781.979999999996
Véhicules automobiles | 276303 | 169622.03 | 2075517.3 | 4895130.75 | 588929 | 0 | 8005502.08
Produits alimentaires | 828 | 539806.91 | 462975.24 | 476761.94 | 89658 | 0 | 1570030.09
Librairie ,papeterie | 1022 | 0 | 30879.59 | 40544.69 | 0 | 0 | 72446.28
Appareils électro- ménagers électroni.équip. inform. | 49 | 44634.75 | 205122.1 | 305308.76 | 272919 | 41205.24 | 0 | 869238.85
Matériaux de construction | 27797 | 0 | 188632.76 | 427752.11 | 443 | 0 | 644624.87
Autres | 45276 | 388590.59 | 83872.33 | 2949730.67 | 1058214.05 | 113760 | 4616 | 0 | 4644059.64
S-Total | 385739 | 393656.51 | 899238.21 | 6016129.43 | 7390252.130000001 | 1167814 | 0 | 45821.24 | 0 | 16298650.519999996
[Secteur d'activité déc. 18 (%)]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU31 DECEMBRE 2018
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573374 | 0 | 0 | 0 | #DIV/0! | 0.0038372744257168744
200 | Industrie alimentaire | 0.05417805575397525 | 0.0008742529670945504 | 0.05040178538293147 | 0.009462572613612965 | 0.04498283444286534 | 0.06073864694227278 | 0.003049310762438181 | 0.19873169102297686 | #DIV/0! | 0.037232046856895906
210 | Industrie des boissons | 0 | 0 | 0.02554816253455884 | 0.02669075436122803 | 0.05927994939952391 | 0.022764821935837024 | 0 | 0 | #DIV/0! | 0.031438328797369554
220 | Industrie du bois | 0.0025211511077077617 | 0 | 1.1625714462928e-05 | 0.00038067544596832924 | 0 | 0.0025902053245687004 | 0 | 0 | #DIV/0! | 0.0007045077102785117
230 | Industrie chimique | 3.943942741267697e-06 | 0 | 0.0011090133001659635 | 0.01301650917206366 | 0.0010144474800251279 | 0.0007804755229470327 | 0 | 0.1909382954948642 | #DIV/0! | 0.005450797206924295
240 | Industrie du textile | 0.001193128417119158 | 0 | 0.02957556649668557 | 0.03047316035724765 | 0.0006539639030865636 | 0.02395791831439567 | 0 | 0.03772428752155087 | #DIV/0! | 0.014556004483159728
250 | Industrie pharmacie | 0 | 0 | 0.0015462515066799246 | 0 | 0.000857073476759746 | 0.012268793137324534 | 0 | 0 | #DIV/0! | 0.0015583740551419185
260 | Imprimerie, édition | 4.772742302838444e-05 | 0 | 0.0005702052040116541 | 0.0010341823139996124 | 0.0018849753486039624 | 0.004899369611652914 | 0 | 0 | #DIV/0! | 0.0014134297661614497
270 | Sidérurgie, aciérie | 0.016283339248294802 | 0 | 0.008523448613789968 | 0.00883333327412544 | 0 | 0.026546815309277008 | 0 | 0 | #DIV/0! | 0.008141428718760953
280 | Industrie de la fabrication | 0.002526809808162624 | 0.0019529559036961914 | 0.025528879513317553 | 0.03156958235656796 | 0.013720181526699966 | 0.022388768939762486 | 0 | 0 | #DIV/0! | 0.018469015840001442
290 | Autres industries | 0 | 0 | 0.003859933011281795 | 0.00014117484060933042 | 0.04493934797615063 | 0.0069519015828738515 | 0 | 2.4719083375849123e-08 | #DIV/0! | 0.015573515876850436
300 | Production et distribution de l'électricité | 0.04326745253250566 | 0 | 0.03015670785825211 | 0.06968304838422322 | 0 | 0.000405488175283152 | 0 | 0.23200436825753784 | #DIV/0! | 0.030615747948089113
400 | Production et distribution de gaz | 0 | 0 | 0.0005187349256275326 | 0.014534609505315954 | 0.0004547799502704222 | 0.014690224827725622 | 0 | 0 | #DIV/0! | 0.005642409078485867
500 | Traitement et distribution de l'eau | 0 | 0 | 0.03325165196449688 | 0.0013372638152378536 | 0.0010173524141572378 | 0.0009692134980114151 | 0 | 0 | #DIV/0! | 0.004326612321177783
600 | Entrep/ batiment et corps/ métiers corresp. | 0.056126363468161494 | 0.08035000915221036 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142874 | 0.11220421394813594 | 0 | 0 | #DIV/0! | 0.07040948015541855
700 | Commerce de gros(1) | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659847 | 0.1420706134623357 | 0.1641894098871007 | 0.18979597319405303 | 0 | 0.0513464799883138 | #DIV/0! | 0.1451898882302419
800 | Commerce de détail(2) | 0.02204835468140002 | 0.28458350647348996 | 0.06905077056548536 | 0.1738986274378642 | 0.18698890042101265 | 0.10457809721240614 | 0 | 0.05663295259723964 | #DIV/0! | 0.13297087606712815
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006401819289343815 | 2.4789043719805292e-05 | 0.0008455488096430193 | 0.000114628699386038 | 0.0006232856125500173 | 0.001652818893921247 | 0 | 0 | #DIV/0! | 0.0013877680985808132
1000 | Hotels,motels et pensions | 0.05380269529046938 | 0 | 0.004256481985056252 | 0.022809112080359722 | 0.0010559525392676223 | 0.026711934396248076 | 0.028807055588445374 | 0 | #DIV/0! | 0.018419295629907198
1100 | Transport | 0.10568429035580823 | 0.10059328155466703 | 0.01783483578441046 | 0.005427061107631056 | 0.03491907233039444 | 0.006971070717225529 | 0 | 0 | #DIV/0! | 0.03154083824344972
1200 | Immobilier résidentiel | 0.11567824126218057 | 0.21266725194545916 | 0.12057033767879761 | 0.013189026137859097 | 0.0676179751844672 | 0.030575003017173034 | 0.6979154256801025 | 0 | #DIV/0! | 0.08609706470354621
1300 | Immobilier commercial | 0.18719747029796716 | 0.04423772208568608 | 0.1265095036138288 | 0.13947046983192357 | 0.11435807692617582 | 0.015466369698812208 | 0.19807590485534224 | 0 | #DIV/0! | 0.12570450610919306
1400 | Télécommunications | 0.0009095074912906026 | 0 | 0.002235211771380826 | 0.0009872743418763397 | 0.03839602597156955 | 0.0028211232756319943 | 0 | 0 | #DIV/0! | 0.013283363281568343
1500 | Services financiers | 0.021871677478309315 | 0 | 0.04973334673111179 | 0.04801225639138449 | 0.07669342334419885 | 0.18419215893929333 | 0 | 0.23251890833754782 | #DIV/0! | 0.06500144225085469
1510 | Services professionnels | 0.04519135352856841 | 0.017966511874306174 | 0.015163961497802194 | 0.003815413650351928 | 0.009480832590790064 | 0.029517918300425827 | 0 | 0 | #DIV/0! | 0.015087222368921401
1520 | Services médicaux | 0.00014781211491185888 | 0 | 0.00036589517447722534 | 0.00013740962320940223 | 0.0003066543706960855 | 0.00392053930836248 | 0 | 0 | #DIV/0! | 0.0005548101758702857
1530 | Services d'agence ou de représentation | 7.973623368215125e-05 | 0.0006804299717105611 | 0.0012984049426075412 | 0.0006367203460534366 | 0.00047961902210643385 | 0.0009542469586103321 | 0 | 0 | #DIV/0! | 0.000578304565211446
1540 | Services d'enseignement | 0.002712632385725831 | 0 | 0.0017531631161747496 | 0.0018104301819181611 | 0.0001011656405344237 | 0.0008433398241470575 | 0 | 0 | #DIV/0! | 0.00119388305278297
1550 | Autres services | 0.007441133939553533 | 0.018540303413846757 | 0.0018709475756036838 | 0.019805502252319893 | 0.010979113157721758 | 0.0693026130836318 | 0 | 0 | #DIV/0! | 0.01691395588900573
1560 | Crédit à la consommation | 0.1675642375389843 | 0.019798197376019355 | 0.10569071474166103 | 0.12131419668170616 | 0.0698778575722692 | 0.020539936109989818 | 0.07215230311367173 | 0.00010299206088547536 | #DIV/0! | 0.09670780809330584
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999827952642737 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.0102576806427232 | 0.03384381124064934 | 0.0813772913893507 | 0.04104808618137369 | 0.0636528800147514 | 0.020045294355866626 | 0 | 0 | #DIV/0! | 0.04442804419309076
Produits pétroliers | 0 | 0 | 0.013479469188675344 | 0.002122956811650188 | 1.952765494712954e-05 | 0.011597299417678664 | 0 | 0 | #DIV/0! | 0.0030941859810007413
Produits pharmaceutiques | 0 | 0 | 0.0012289125031636496 | 0.002942474039943944 | 0.0026249588019817438 | 0.001705664309055376 | 0 | 0 | #DIV/0! | 0.0019628478940963514
Produits alimentaires | 0.022493963052572813 | 0.017836906165408922 | 0.058538940070282014 | 0.057269784503563195 | 0.052794673955258484 | 0.08726782890461346 | 0 | 0 | #DIV/0! | 0.050769065805559024
Matériaux de construction | 0 | 0.09099447079259297 | 0.004579386588204449 | 0.007118281951430133 | 0.02204129715896915 | 0.06582626647992805 | 0 | 0 | #DIV/0! | 0.016626563617446886
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.054352217979086015 | 0.07505560003944269 | 0.02555848822692231 | 0.03156902997437455 | 0.02305607230119279 | 0.0033535686832474815 | 0 | 0.0513464799883138 | #DIV/0! | 0.028309176088761694
S-Total | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659844 | 0.1420706134623357 | 0.16418940988710068 | 0.18979592215038965 | - | 0.0513464799883138 | #DIV/0! | 0.14518988357995544
(2) Commerce de détail
Produits pétroliers | 0.0018124417446790926 | 0.0036622721598435705 | 0.004632606098923217 | 0.0028814214993999675 | 0.004677839900067877 | 0.00495195174894441 | 0 | 0 | #DIV/0! | 0.0035649481848452408
Produits pharmaceutiques | 0.00015747191669844207 | 0 | 7.467102718087894e-05 | 0.00010369031792986701 | 4.200958312189759e-05 | 0.0041915802653412606 | 0 | 0 | #DIV/0! | 0.00045509155433429344
Véhicules automobiles | 0.01579309001797809 | 0 | 0.01302494905813875 | 0.05999365769854154 | 0.12385708907601059 | 0.052738760742777 | 0 | 0 | #DIV/0! | 0.06531206645611395
Produits alimentaires | 4.7327312895212354e-05 | 0 | 0.041450733162321486 | 0.013382484487823887 | 0.012063078411262378 | 0.00802889959685446 | 0 | 0 | #DIV/0! | 0.01280892922785657
Librairie ,papeterie | 5.841607944312443e-05 | 0 | 0 | 0.0008925868998207369 | 0.0010258658118354113 | 0 | 0 | 0 | #DIV/0! | 0.0005910455342556402
Appareils électro- ménagers électroni.équip. inform. | 2.800770932204596e-06 | 0 | 0.0034274165034621894 | 0.0059291363429281015 | 0.007724952859125641 | 0.024439974671238734 | 0 | 0.05092778815409366 | #DIV/0! | 0.007091595876199693
Matériaux de construction | 0.00158883733882635 | 0 | 0 | 0.005452505375007541 | 0.010823026778339165 | 3.9670776968106875e-05 | 0 | 0 | #DIV/0! | 0.0052591057909891666
Autres | 0.0025879123413570467 | 0.2809212343136464 | 0.00644039471545885 | 0.08526314481641256 | 0.026775038001249696 | 0.010187240604721981 | 0 | 0.005705164443145978 | #DIV/0! | 0.03788808357087287
S-Total | 0.022048297522809568 | 0.28458350647348996 | 0.06905077056548536 | 0.17389862743786422 | 0.18698890042101265 | 0.10457807840684595 | - | 0.05663295259723964 | #DIV/0! | 0.13297086619546744
[Secteur d'activité déc 18 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2018
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1909638 | 694837.5 | 3305373.4 | 10931149.239999998 | 13879413.43 | 3287248.78 | 0 | 87365.23999999999 | 0 | 34095025.59
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2408192 | 51474.380000000005 | 980461.4899999998 | 3360668.71 | 3941176.6300000004 | 3540977.7200000007 | 131871.76 | 188129.07 | 0 | 14602951.760000002
Industries Manufacturières ( 200 à 290 ) | 1343129 | 3910.7999999999997 | 1910125.6600000001 | 4206893.69 | 6613394.61 | 2053457.6000000003 | 13959.01 | 345801.09 | 0 | 16490671.46
Prêts aux Particuliers ( 1560 ) | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5298866 | 355369.56 | 3217685.08 | 5281348.68 | 7192132.279999999 | 514139.87 | 4101632.44 | 0 | 0 | 25961173.910000004
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1864878 | 139147.91 | 261369.33 | 221907.86 | 2897589.4299999997 | 109348.55 | 0 | 0 | 0 | 5494241.079999999
Bâtiments et Travaux Publics ( 600 ) | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85
Électricité, Gaz et Eau ( 300 à 500 ) | 756972 | 0 | 832513.3200000001 | 2959824.87 | 58182.22 | 179395.59 | 0 | 187712.76 | 0 | 4974600.76
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6
Total | 17495183 | 1383272.4 | 13022855.54 | 34595611.93 | 39522410.76 | 11166910.099999998 | 4577759.07 | 809091.49 | 0 | 122573094.28999999
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.10915221635578204 | 0.502314294711584 | 0.2538132585320838 | 0.31596924090019984 | 0.3511783103081134 | 0.2943740704064592 | 0 | 0.10797943258555345 | #DIV/0! | 0.2781607642973701
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1376488602605643 | 0.03721203430358331 | 0.07528774983247644 | 0.09714147322498308 | 0.09972004627786528 | 0.31709556970464026 | 0.028807055588445374 | 0.23251890833754785 | #DIV/0! | 0.11913668203113453
Industries Manufacturières ( 200 à 290 ) | 0.07677136043675564 | 0.0028272088707907424 | 0.14667487127788567 | 0.12160194473542299 | 0.16733277355371529 | 0.18388771662091205 | 0.003049310762438181 | 0.4273942987584754 | #DIV/0! | 0.13453744931154418
Prêts aux Particuliers ( 1560 ) | 0.1675642375389843 | 0.019798197376019358 | 0.10569071474166103 | 0.12131419668170616 | 0.06987785757226922 | 0.02053993610998982 | 0.07215230311367173 | 0.00010299206088547539 | #DIV/0! | 0.09670780809330583
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.30287571156014775 | 0.2569049740311453 | 0.2470798412926264 | 0.15265949596978265 | 0.18197605211064305 | 0.04604137271598525 | 0.8959913305354447 | 0 | #DIV/0! | 0.2118015708127393
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10659379784709883 | 0.10059328155466704 | 0.020070047555791285 | 0.006414335449507396 | 0.073315098301964 | 0.009792193992857525 | 0 | 0 | #DIV/0! | 0.04482420152501805
Bâtiments et Travaux Publics ( 600 ) | 0.056126363468161494 | 0.08035000915221037 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142875 | 0.11220421394813597 | 0 | 0 | #DIV/0! | 0.07040948015541854
Électricité, Gaz et Eau ( 300 à 500 ) | 0.04326745253250566 | 0 | 0.06392709474837652 | 0.08555492170477703 | 0.0014721323644276603 | 0.01606492650102019 | 0 | 0.23200436825753787 | #DIV/0! | 0.04058476934775276
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573376 | 0 | 0 | 0 | #DIV/0! | 0.003837274425716874
Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | #DIV/0! | 1.0000000000000002
[Secteur d'activitésept. 17 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire. | 0
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8
200 | Industrie alimentaire | 669613 | 1209.3 | 389022.28 | 90684.15 | 1637870.2 | 503318.08 | 16768.49 | 147583.78 | 3456069.28
210 | Industrie des boissons | 14 | 0 | 2991.73 | 775777.93 | 2464556.54 | 237266.08 | 0 | 71400 | 3552006.2800000003
220 | Industrie du bois | 18217 | 0 | 25.64 | 742.23 | 994.35 | 30378.34 | 0 | 0 | 50357.56
230 | Industrie chimique | 0 | 0 | 13946.18 | 299705.35 | 71244.26 | 45351.92 | 0 | 141796.18 | 572043.8899999999
240 | Industrie du textile | 51322 | 0 | 244352.44 | 731575.9 | 9943.26 | 117365.7 | 0 | 0 | 1154559.3
250 | Industrie pharmacie | 0 | 0 | 72686.73 | 517.59 | 17605.32 | 134784.95 | 0 | 0 | 225594.59
260 | Imprimerie, édition | 25590 | 0 | 2775.87 | 131320.68 | 33199.18 | 50305.62 | 0 | 0 | 243191.34999999998
270 | Sidérurgie, aciérie | 317501 | 0 | 116925.03 | 373105.58 | 0 | 363529.79 | 0 | 0 | 1171061.4000000001
280 | Industrie de la fabrication | 52833 | 3200.07 | 361798.65 | 1200274.99 | 611897.34 | 184895.04 | 0 | 1.11 | 2414900.1999999997
290 | Autres industries | 0 | 0 | 24745.01 | 4448.89 | 235395.55 | 109209.78 | 0 | 154217.4 | 528016.63
300 | Production et distribution de l'électricité | 747044 | 0 | 68965 | 1342068.25 | 125380 | 3408.81 | 0 | 0 | 2286866.06
400 | Production et distribution de gaz | 0 | 456.82 | 2.93 | 5843.82 | 197.81 | 93411.72 | 0 | 0 | 99913.1
500 | Traitement et distribution de l'eau | 0 | 1893.87 | 312811.71 | 25121.12 | 51194.1 | 0 | 0 | 0 | 391020.8
600 | Entrep/ batiment et corps/ métiers corresp. | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45
700 | Commerce de gros(1) | 1252939 | 274002.05 | 1418628.14 | 4469159.84 | 4458634.31 | 1641378.41 | 0 | 132600 | 13647341.75
800 | Commerce de détail(2) | 113385 | 406375.8 | 613725.45 | 3741952.21 | 6290060.43 | 720882.22 | 93.11 | 33852.6 | 11920326.82
900 | Rest/débits/boissons, casinos/activités/loterie | 96077 | 1013.91 | 12286.63 | 1706.28 | 22265.82 | 29342.14 | 0 | 0 | 162691.78000000003
1000 | Hotels,motels et pensions | 901199 | 0 | 4112.18 | 1590510.53 | 26513.58 | 340954.28 | 118631.94 | 0 | 2981921.5100000002
1100 | Transport | 1583514 | 140227.64 | 126298.15 | 217554.29 | 864912.9 | 67489 | 0 | 0 | 2999995.98
1200 | Immobilier résidentiel / Avance Hypothécaire | 1708159 | 292817.95 | 1288768.4 | 245336.48 | 2571857.71 | 294918.04 | 2915350.4 | 0 | 9317207.979999999
1300 | Immobilier commercial | 1918481 | 25980.43 | 1169509.16 | 2815214.41 | 4074065.82 | 132290.9 | 957670.74 | 0 | 11093212.46
1400 | Télécommunications | 85375 | 0 | 19162.88 | 109098 | 147324.95 | 30603.88 | 0 | 0 | 391564.71
1500 | Services financiers | 157052 | 0 | 268773.08 | 1687293.83 | 3730110.94 | 1493343.68 | 0 | 128706.57 | 7465280.1
1510 | Services professionnels | 746533 | 26328.82 | 85110.33 | 109954.64 | 222195.89 | 162420.57 | 0 | 0 | 1352543.25
1520 | Services médicaux | 562 | 397.52 | 2268.01 | 3663.67 | 16572.78 | 48309 | 0 | 0 | 71772.98
1530 | Services d'agence ou de représentation | 1742 | 941.22 | 11760.56 | 12334.25 | 27475.5 | 9867.95 | 0 | 0 | 64121.479999999996
1540 | Services d'enseignement | 24811 | 0 | 16313.58 | 156343.37 | 9691.07 | 27585.99 | 0 | 0 | 234745.01
1550 | Autres services | 35275 | 10498.45 | 21504.73 | 669186.53 | 319218.96 | 367621.9 | 0 | 0 | 1423305.5699999998
1560 | Crédit à la consommation | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprise d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 14388284 | 1330577.7099999997 | 8574671.979999999 | 26416606.560000006 | 31758653.639999997 | 7903541.660000001 | 4129252.6599999997 | 812236.95 | 95313825.16
(1) Commerce de gros
Import-export | 33547 | 48467.25 | 646849.78 | 960684.54 | 1866081.11 | 108136 | 0 | 0 | 3663765.68
Produits pétroliers | 0 | 0 | 80488.62 | 74623.57 | 21063.62 | 95992 | 0 | 0 | 272167.81
Produits pharmaceutiques | 0 | 0 | 14207.32 | 126756.56 | 106678.27 | 14926 | 0 | 0 | 262568.15
Produits alimentaires | 382121 | 13293.6 | 532945.56 | 1941057.5 | 1156711.21 | 614650 | 0 | 132600 | 4773378.87
Matériaux de construction | 0 | 104104.2 | 29465.09 | 371155.82 | 626894.44 | 697653 | 0 | 0 | 1829272.5499999998
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 837270 | 108136.99 | 114671.76 | 994881.84 | 681205.65 | 110021 | 0 | 0 | 2846187.2399999998
S-Total | 1252938 | 274002.04 | 1418628.1300000001 | 4469159.83 | 4458634.3 | 1641378 | - | 132600 | 13647340.300000003
(2) Commerce de détail
Produits pétroliers | 19893 | 5361.76 | 2210.09 | 60790.06 | 124025.57 | 1081 | 0 | 0 | 213361.48
Produits pharmaceutiques | 9329 | 0 | 954.99 | 15980.58 | 2902.05 | 26309 | 0 | 0 | 55475.619999999995
Véhicules automobiles | 15408 | 0 | 92985.8 | 1126906.92 | 3809917.59 | 241294 | 0 | 0 | 5286512.31
Produits alimentaires | 2298 | 0 | 283293.83 | 540529.04 | 670830.56 | 102056 | 0 | 0 | 1599007.4300000002
Librairie ,papeterie | 1077 | 0 | 0 | 26802.12 | 22377.04 | 3 | 0 | 0 | 50259.16
Appareils électro- ménagers électroni.équip. inform. | 25378 | 0 | 37048.65 | 213057.23 | 251921.09 | 255725 | 0 | 33852.6 | 816982.57
Matériaux de construction | 0 | 0 | 0 | 161378.9 | 548251.68 | 108 | 0 | 0 | 709738.5800000001
Autres | 40003 | 396939.18 | 197232.09 | 1596507.36 | 859834.85 | 94306 | 93.11 | 0 | 3184915.59
S-Total | 113386 | 402300.94 | 613725.4500000001 | 3741952.21 | 6290060.429999999 | 720882 | 93.11 | 33852.6 | 11916252.74
[Secteur d'activité sept. 17 % ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507632 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218
200 | Industrie alimentaire | 0.046538767235898316 | 0.0009088533431091373 | 0.04536876523176343 | 0.003432846296666803 | 0.051572406644376886 | 0.06368259973213071 | 0.004060901906641867 | 0.18170040158847736 | 0.036259894870428466
210 | Industrie des boissons | 9.730138771239155e-07 | 0 | 0.0003489031425316401 | 0.02936705470621204 | 0.07760267698804124 | 0.030020222604861927 | 0 | 0.0879053827826966 | 0.03726643300735619
220 | Industrie du bois | 0.0012660995571118834 | 0 | 2.9902018479312143e-06 | 2.8097098630521446e-05 | 3.1309576636070525e-05 | 0.003843636347707946 | 0 | 0 | 0.0005283342675154052
230 | Industrie chimique | 0 | 0 | 0.0016264388926513784 | 0.011345338748157512 | 0.0022433022762107244 | 0.005738176877023002 | 0 | 0.17457489467820936 | 0.0060016885172715475
240 | Industrie du textile | 0.003566929871553828 | 0 | 0.028497001467804258 | 0.02769378793367621 | 0.0003130882093652885 | 0.014849760404755047 | 0 | 0 | 0.012113240634943373
250 | Industrie pharmaceutique | 0 | 0 | 0.00847691085671128 | 1.959335688421594e-05 | 0.0005543471772942577 | 0.017053740689715047 | 0 | 0 | 0.002366861151793061
260 | Imprimerie, édition | 0.0017785303654000713 | 0 | 0.000323729001701124 | 0.004971141153264008 | 0.001045358546251018 | 0.006364946521962155 | 0 | 0 | 0.0025514803292362165
270 | Sidérurgie, aciérie | 0.022066634214337164 | 0 | 0.013636093633986454 | 0.014123902672834445 | 0 | 0.04599580866889489 | 0 | 0 | 0.012286375014686277
280 | Industrie de la fabrication | 0.003671945869291988 | 0.002405023003128469 | 0.04219387643560915 | 0.04543638060679054 | 0.01926710580795263 | 0.023393947669784282 | 0 | 1.3665962869578884e-06 | 0.025336305577351354
290 | Autres industries | 0 | 0 | 0.002885825843567721 | 0.0001684126229421346 | 0.0074120128853170115 | 0.013817828095056816 | 0 | 0.18986750110297249 | 0.005539769588657646
300 | Production et distribution de l'électricité | 0.051920298487297026 | 0 | 0.008042873262190959 | 0.05080396102170663 | 0.003947900355639888 | 0.0004313015792972994 | 0 | 0 | 0.02399301524370801
400 | Production et distribution de gaz | 0 | 0.00034332455486572075 | 3.4170403332443285e-07 | 0.0002212176642267408 | 6.228538597456741e-06 | 0.011818969775633471 | 0 | 0 | 0.0010482540159549715
500 | Traitement et distribution de l'eau | 0 | 0.0014233441502638732 | 0.03648089521437298 | 0.0009509593877223567 | 0.0016119732461051522 | 0 | 0 | 0 | 0.00410245627372112
600 | Entrep/ batiment et corps/ métiers corresp. | 0.06893504465160682 | 0.07180656889254519 | 0.07264523371306854 | 0.08243512220443197 | 0.04205770040319631 | 0.052922483108667505 | 0 | 0 | 0.05919327485313989
700 | Commerce de gros(1) | 0.08708050244212583 | 0.20592713070475233 | 0.1654440127049618 | 0.16917993724323382 | 0.14039116269035892 | 0.20767631532924694 | 0 | 0.16325285373929369 | 0.1431832341959908
800 | Commerce de détail(2) | 0.007880369889835368 | 0.3054130525003309 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09121002343144477 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12506398520875395
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006677446733745316 | 0.0007620073539335031 | 0.0014328979614214934 | 6.459118797581091e-05 | 0.0007010945820434976 | 0.0037125305669610397 | 0 | 0 | 0.0017069064191568748
1000 | Hotels,motels et pensions | 0.06263422378929968 | 0 | 0.0004795728640805687 | 0.06020873749955262 | 0.0008348458439247616 | 0.043139429722446734 | 0.028729639420998765 | 0 | 0.0312852989059494
1100 | Transport | 0.11005579261571428 | 0.10538853833647946 | 0.014729210667718162 | 0.008235512366278735 | 0.027233928421658372 | 0.008539083224114997 | 0 | 0 | 0.03147493005305381
1200 | Immobilier résidentiel | 0.11871874366672218 | 0.22006828146850593 | 0.15029944037579385 | 0.009287206494247002 | 0.08098132052930442 | 0.03731466887719295 | 0.7060237384456877 | 0 | 0.0977529541423768
1300 | Immobilier commercial | 0.13333633114275475 | 0.019525676557440606 | 0.13639112524978478 | 0.10656987314422112 | 0.1282820697055217 | 0.01673817962768858 | 0.231923502593324 | 0 | 0.11638618470487583
1400 | Télécommunications | 0.005933647125675306 | 0 | 0.002234823681266931 | 0.004129902141374815 | 0.004638891549685984 | 0.003872172921525411 | 0 | 0 | 0.0041081627911029065
1500 | Services financiers | 0.010915269673576084 | 0 | 0.031344998459054765 | 0.0638724669713974 | 0.11745179698996838 | 0.18894613886301698 | 0 | 0.15845938799016718 | 0.07832316127768763
1510 | Services professionnels | 0.051884783480782 | 0.01978751019359854 | 0.009925782607021665 | 0.004162330227777749 | 0.00699638884313863 | 0.02055035286547727 | 0 | 0 | 0.014190420410990041
1520 | Services médicaux | 3.9059557067402894e-05 | 0.00029875744724447553 | 0.0002645010800751355 | 0.00013868813890530228 | 0.000521835093762495 | 0.00611232306707421 | 0 | 0 | 0.0007530175174432166
1530 | Services d'agence ou de représentation | 0.00012107072671070435 | 0.0007073769483181859 | 0.0013715463433972667 | 0.0004669127343054163 | 0.0008651342815551422 | 0.0012485478567085834 | 0 | 0 | 0.0006727406007718345
1540 | Services d'enseignement | 0.0017243890932372478 | 0 | 0.0019025310866760414 | 0.005918374475725998 | 0.00030514738155631717 | 0.003490332712436161 | 0 | 0 | 0.0024628642235891987
1550 | Autres services | 0.0024516474653961517 | 0.007890144199093794 | 0.00250793616947199 | 0.02533203984698328 | 0.010051400906930892 | 0.04651356516035622 | 0 | 0 | 0.014932834429955428
1560 | Crédit à la consommation | 0.20080149933098346 | 0.03734441034639007 | 0.1495670450124904 | 0.1292061625041668 | 0.05435874736911549 | 0.031002913698818912 | 0.029239668758849938 | 0.0025599795724634295 | 0.1020708808367376
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1.0000000000000004 | 1.0000000000000004 | 0.9999999999999998 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002
(1) Commerce de gros
Import-export | 0.002331549752562571 | 0.03642571917126134 | 0.07543726238260139 | 0.03636668993869437 | 0.058758193314897726 | 0.013681967483929221 | 0 | 0 | 0.03843897434448533
Produits pétroliers | 0 | 0 | 0.009386787061678364 | 0.0028248734306773123 | 0.0006632403325017024 | 0.012145441136322167 | 0 | 0 | 0.0028554914205061164
Produits pharmaceutiques | 0 | 0 | 0.0016568937019559322 | 0.004798366501469369 | 0.003359029989408582 | 0.0018885204433780384 | 0 | 0 | 0.002754775076535183
Produits alimentaires | 0.026557788267176266 | 0.009990848260940733 | 0.06215346327452168 | 0.0734786845385034 | 0.036421922135361655 | 0.07776893276981853 | 0 | 0.16325285373929369 | 0.05008065579140377
Matériaux de construction | 0 | 0.07823984966650314 | 0.003436293547872837 | 0.014050094555369716 | 0.019739326707805614 | 0.08827093346402376 | 0 | 0 | 0.019192100903822333
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 0.05819109492139577 | 0.08127070609051465 | 0.013373311570106267 | 0.037661227899969896 | 0.02144944989550886 | 0.013920468156297413 | 0 | 0 | 0.029861221446334827
S-Total | 0.0870804329411346 | 0.20592712318921985 | 0.16544401153873647 | 0.16917993686468405 | 0.14039116237548416 | 0.20767626345376913 | - | 0.16325285373929369 | 0.14318321898308756
(2) Commerce de détail
Produits pétroliers | 0.0013825832184018608 | 0.004029648144338749 | 0.000257746302733787 | 0.0023012062454701595 | 0.0039052527668802027 | 0.00013677412563926433 | 0 | 0 | 0.0022385155526161867
Produits pharmaceutiques | 0.0006483747471206434 | 0 | 0.00011137335658174065 | 0.0006049444679316902 | 9.137824395505453e-05 | 0.0033287608431483862 | 0 | 0 | 0.0005820311996384051
Véhicules automobiles | 0.0010708712727660922 | 0 | 0.010844239898259061 | 0.04265903409813284 | 0.11996470735778962 | 0.03052985742090717 | 0 | 0 | 0.05546427604941587
Produits alimentaires | 0.00015971327783076842 | 0 | 0.033038445162773454 | 0.020461713686513713 | 0.021122764447265154 | 0.01291269210568063 | 0 | 0 | 0.016776238151346903
Librairie ,papeterie | 7.485256754731835e-05 | 0 | 0 | 0.0010145936019119025 | 0.0007045966196695486 | 3.7957666689897596e-07 | 0 | 0 | 0.0005273018884262771
Appareils électro- ménagers électroni.équip. inform. | 0.0017637961552607662 | 0 | 0.004320707554343089 | 0.008065276269156048 | 0.00793236051048164 | 0.032355747714246874 | 0 | 0.04167823194943298 | 0.008571501234249698
Matériaux de construction | 0 | 0 | 0 | 0.006108994341625988 | 0.017263064304132766 | 1.3664760008363135e-05 | 0 | 0 | 0.0074463340319055145
Autres | 0.0027802481518991425 | 0.29832093008682675 | 0.023001706707852402 | 0.06043574735361466 | 0.02707403341925801 | 0.011932119049524943 | 2.2548874497788665e-05 | 0 | 0.03341504324953482
S-Total | 0.007880439390826593 | 0.3023505782311655 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09120999559582253 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12502124135713366
[Secteur d'activité sept. 17glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 SEPTEMBRE 2017
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1366324 | 680377.85 | 2032353.5899999999 | 8211112.05 | 10748694.739999998 | 2362260.63 | 93.11 | 166452.6 | 25567668.569999997
Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 1963251 | 39179.920000000006 | 422129.10000000003 | 4230993.1 | 4374044.54 | 2479445.51 | 118631.94 | 128706.57 | 13756381.68
Industries Manufacturières ( 200 à 290 ) | 1135090 | 4409.37 | 1229269.56 | 3608153.2900000005 | 5082705.999999999 | 1776405.3000000003 | 16768.49 | 514998.47 | 13367800.48
Prêts aux Particuliers ( 1560 ) | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3626640 | 318798.38 | 2458277.5599999996 | 3060550.89 | 6645923.529999999 | 427208.93999999994 | 3873021.1399999997 | 0 | 20410420.439999998
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1668889 | 140227.64 | 145461.03 | 326652.29000000004 | 1012237.8500000001 | 98092.88 | 0 | 0 | 3391560.69
Bâtiments et Travaux Publics ( 600 ) | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45
Électricité, Gaz et Eau ( 300 à 500 ) | 747044 | 2350.69 | 381779.64 | 1373033.1900000002 | 176771.91 | 96820.53 | 0 | 0 | 2777799.9600000004
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8
Total | 14388284 | 1330577.7100000002 | 8574671.979999999 | 26416606.560000002 | 31758653.64 | 7903541.659999999 | 4129252.6599999997 | 812236.9500000001 | 95313825.16
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.0949608723319612 | 0.511340183205083 | 0.23701823168750535 | 0.3108314473075909 | 0.33844932035979086 | 0.29888633876069176 | 2.2548874497788665e-05 | 0.20493108568872667 | 0.2682472194047447
Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 0.1364478905198146 | 0.029445796142188493 | 0.04922976657119892 | 0.16016414108262356 | 0.1377276439228801 | 0.3137132208144772 | 0.028729639420998765 | 0.15845938799016715 | 0.14432724378554362
Industries Manufacturières ( 200 à 290 ) | 0.07888988012747038 | 0.003313876346237605 | 0.14336053470817436 | 0.13658655519605847 | 0.16004160811144508 | 0.22476066761189192 | 0.004060901906641867 | 0.6340495467486427 | 0.14025038295923953
Prêts aux Particuliers ( 1560 ) | 0.20080149933098346 | 0.03734441034639006 | 0.1495670450124904 | 0.12920616250416683 | 0.05435874736911548 | 0.03100291369881892 | 0.029239668758849938 | 0.002559979572463429 | 0.1020708808367376
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2520550748094769 | 0.23959395802594646 | 0.2866905656255786 | 0.11585707963846814 | 0.20926339023482607 | 0.05405284850488154 | 0.9379472410390116 | 0 | 0.2141391388472526
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11598943974138959 | 0.10538853833647942 | 0.016964034348985094 | 0.012365414507653553 | 0.031872819971344356 | 0.01241125614564041 | 0 | 0 | 0.035583092844156713
Bâtiments et Travaux Publics ( 600 ) | 0.06893504465160682 | 0.07180656889254516 | 0.07264523371306854 | 0.08243512220443198 | 0.042057700403196306 | 0.05292248310866752 | 0 | 0 | 0.05919327485313989
Électricité, Gaz et Eau ( 300 à 500 ) | 0.051920298487297026 | 0.0017666687051295935 | 0.04452411018059726 | 0.05197613807365574 | 0.005566102140342496 | 0.012250271354930772 | 0 | 0 | 0.029143725533384107
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507633 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218
Total | 1.0000000000000002 | 0.9999999999999998 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1
[Secteur d'activité juin 17 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2017 | AU30 JUIN 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883
200 | Industrie alimentaire | 609570 | 9972.45242 | 371053.16452 | 48864.158 | 1724057.33 | 523157.321 | 43416.32 | 135436.28663 | 0 | 3465527.03257
210 | Industrie des boissons | 1307 | 0 | 3027.3905600000003 | 849453.487 | 2600850.86 | 203609.831 | 0 | 71400 | 0 | 3729648.5685599996
220 | Industrie du bois | 27907 | 0 | 0 | 817.606 | 0 | 31393.975 | 0 | 0 | 0 | 60118.581
230 | Industrie chimique | 0 | 0 | 14168.43999 | 404534.91 | 91629.49 | 62229.462 | 0 | 130125.0597 | 0 | 702687.3616899999
240 | Industrie du textile | 59082 | 0 | 250866.77469999998 | 696720.091 | 9880.72 | 61351.985 | 0 | 0 | 0 | 1077901.5707
250 | Industrie pharmacie | 0 | 0 | 59866.315729999995 | 708.214 | 22889.06 | 165573.769 | 0 | 0 | 0 | 249037.35872999998
260 | Imprimerie, édition | 99127 | 0 | 6327.462219999999 | 141081.008 | 108963.26 | 82874.736 | 0 | 0 | 0 | 438373.46622000006
270 | Sidérurgie, aciérie | 317516 | 0 | 129658.77097 | 386674.73 | 81786.02 | 282135.054 | 0 | 0 | 0 | 1197770.57497
280 | Industrie de la fabrication | 54661 | 3160.19415 | 275856.32536 | 1226333.304 | 730077.65 | 121965.937 | 0 | 0 | 0 | 2412054.41051
290 | Autres industries | 0 | 0 | 18155.116710000002 | 4660.112 | 120219.35 | 86933.632 | 0 | 0 | 0 | 229968.21071
300 | Production et distribution de l'électricité | 364177 | 0 | 223889.13402 | 1487434.441 | 124703.2 | 3823.731 | 0 | 173337.448 | 0 | 2377364.95402
400 | Production et distribution de gaz | 0 | 900.74772 | 0 | 4816.642 | 240.09 | 96366.808 | 0 | 0 | 0 | 102324.28772000001
500 | Traitement et distribution de l'eau | 0 | 2379.72675 | 308654.47486 | 22457.285 | 39184.68 | 10.434 | 0 | 0 | 0 | 372686.60060999996
600 | Entrep/ batiment et corps/ métiers corresp. | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999
700 | Commerce de gros(1) | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.857 | 3696800.26 | 1285858.518 | 0 | 132600 | 0 | 12090633.242619999
800 | Commerce de détail(2) | 116979 | 406132.4997 | 329560.08626999997 | 4107586.302 | 3986175.3 | 609134.5 | 220.68 | 44893.152 | 0 | 9600681.519970002
900 | Rest/débits/boissons, casinos/activités/loterie | 95929 | 1126.51548 | 14313.146279999999 | 2278.352 | 22559.24 | 32921.555 | 0 | 0 | 0 | 169127.80875999999
1000 | Hotels,motels et pensions | 824739 | 0 | 4176.98035 | 1600853.994 | 30806.5 | 341924.623 | 309105.4 | 0 | 0 | 3111606.49735
1100 | Transport | 1577751 | 143148.1405 | 139417.12642 | 275079.046 | 911747.53 | 69870.234 | 0 | 0 | 0 | 3117013.07692
1200 | Immobilier résidentiel / Avance Hypothécaire | 1593406 | 298031.35456999997 | 1214025.8549000002 | 229209.937 | 2691718.91 | 337077.682 | 2667528.76 | 0 | 0 | 9030998.49847
1300 | Immobilier commercial | 1957568 | 26547.4025 | 920305.7325299999 | 1477381.976 | 4065714.14 | 144639.911 | 956784.02 | 0 | 0 | 9548941.18203
1400 | Télécommunications | 98110 | 0 | 19090.70193 | 123031.754 | 167269.05 | 32574.53 | 0 | 0 | 0 | 440076.03593
1500 | Services financiers | 82268 | 0 | 113665.87138 | 1637522.969 | 3562884.73 | 1558213.491 | 0 | 118623.69665000001 | 0 | 7073178.758030001
1510 | Services professionnels | 773411 | 26514.18563 | 70716.96675 | 111139.543 | 248781.66 | 146381.1 | 0 | 0 | 0 | 1376944.45538
1520 | Services médicaux | 0 | 500.01556 | 4511.57466 | 1788.5 | 14886.98 | 45770.503 | 0 | 0 | 0 | 67457.57321999999
1530 | Services d'agence ou de représentation | 896 | 941.2188100000001 | 8.02929 | 11909.261 | 25005.99 | 1450.141 | 0 | 0 | 0 | 40210.640100000004
1540 | Services d'enseignement | 23517 | 0 | 15569.11289 | 129217.094 | 12500.25 | 17408.36 | 0 | 0 | 0 | 198211.81689000002
1550 | Autres services | 339871 | 10341.215380000001 | 19119.24896 | 1885328.328 | 325091.95 | 381844.191 | 0 | 0 | 0 | 2961595.9333400005
1560 | Crédit à la consommation | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0
Total | 13975277 | 1358964.8256599999 | 7865247.5116799995 | 24926869.562000006 | 29117389.459999997 | 7250826.757999999 | 4066488.88 | 809624.61268 | 0 | 89370688.61002
(1) Commerce de gros
Import-export | 49739 | 36742.859079999995 | 731204.49127 | 829095.211 | 1499586.78 | 128551 | 0 | 0 | 0 | 3274919.3413500004
Produits pétroliers | 0 | 0 | 82156.21687 | 0 | 6225.5 | 83036 | 0 | 0 | 0 | 171417.71687
Produits pharmaceutiques | 0 | 0 | 11928.65419 | 0 | 112608.9 | 15850 | 0 | 0 | 0 | 140387.55419
Produits alimentaires | 759826 | 13664.00651 | 520685.40427999996 | 1935565.17 | 945829.52 | 505682 | 0 | 132600 | 0 | 4813852.10079
Matériaux de construction | 0 | 103596.16662999999 | 35617.69318 | 0 | 673613.14 | 440618 | 0 | 0 | 0 | 1253444.99981
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 178329 | 112699.47312000001 | 112637.64249 | 1461887.477 | 458936.43 | 112121 | 0 | 0 | 0 | 2436611.02261
S-Total | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.858 | 3696800.2700000005 | 1285858 | - | 132600 | 0 | 12090632.735619998
(2) Commerce de détail
Produits pétroliers | 21023 | 5456.08876 | 2346.23014 | 135878.049 | 132821.41 | 16887 | 0 | 0 | 314411.7779
Produits pharmaceutiques | 10132 | 0 | 1378.041 | 2918.275 | 2608.75 | 22571 | 0 | 0 | 0 | 39608.066
Véhicules automobiles | 16750 | 0 | 121821.91031 | 1136821.984 | 1772200 | 173620 | 0 | 0 | 0 | 3221213.89431
Produits alimentaires | 2629 | 0 | 64379.304509999994 | 896311.734 | 544816.54 | 96606 | 0 | 0 | 0 | 1604742.5785100001
Librairie ,papeterie | 1083 | 0 | 0 | 34696.289 | 25067.93 | 12906 | 0 | 0 | 0 | 73753.219
Appareils électro- ménagers électroni.équip. inform. | 25799 | 0 | 36362.946200000006 | 543477.312 | 276184.12 | 197742 | 0 | 44893.152 | 0 | 1124458.5302000002
Matériaux de construction | 0 | 0 | 7904.55363 | 166653.601 | 509612.29 | 363 | 0 | 0 | 0 | 684533.44463
Autres | 39564 | 400676.41094 | 95367.10048000001 | 1190829.058 | 722864.25 | 88439 | 220.68 | 0 | 0 | 2537960.4994200002
S-Total | 116980 | 406132.4997 | 329560.08627 | 4107586.301999999 | 3986175.2900000005 | 609134 | 220.68 | 44893.152 | 0 | 9600682.00997
[Secteur d'activité juin 17 % ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698842 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034
200 | Industrie alimentaire | 0.043617740099176565 | 0.007338271183845205 | 0.04717628580270119 | 0.001960300625734866 | 0.05921057354294839 | 0.07215140265526118 | 0.010676611022725827 | 0.16728281787491864 | #DIV/0! | 0.038776998213499884
210 | Industrie des boissons | 9.352229655269087e-05 | 0 | 0.0003849072207205538 | 0.03407782452935675 | 0.08932294097219524 | 0.0280809123973832 | 0 | 0.08818901856707818 | #DIV/0! | 0.041732346774620704
220 | Industrie du bois | 0.0019968834964773866 | 0 | 0 | 3.280018768367155e-05 | 0 | 0.004329709707291286 | 0 | 0 | #DIV/0! | 0.0006726879017608875
230 | Industrie chimique | 0 | 0 | 0.0018013978541628441 | 0.016228869373019743 | 0.0031468992138143424 | 0.008582395370478385 | 0 | 0.16072270736590274 | #DIV/0! | 0.007862615502004944
240 | Industrie du textile | 0.004227608511802664 | 0 | 0.03189559824118178 | 0.027950565122791083 | 0.00033934086067618233 | 0.008461377860436258 | 0 | 0 | #DIV/0! | 0.012061018970140829
250 | Industrie pharmacie | 0 | 0 | 0.007611498003222111 | 2.841167031578018e-05 | 0.0007860958837482267 | 0.022835157220839508 | 0 | 0 | #DIV/0! | 0.0027865664078824005
260 | Imprimerie, édition | 0.007093025776877267 | 0 | 0.000804483547479419 | 0.0056597964557519986 | 0.003742205672307548 | 0.011429694677032858 | 0 | 0 | #DIV/0! | 0.004905114563152765
270 | Sidérurgie, aciérie | 0.022719835893056 | 0 | 0.016485021072439866 | 0.015512366245518041 | 0.0028088376573852376 | 0.03891074265272082 | 0 | 0 | #DIV/0! | 0.01340227532761462
280 | Industrie de la fabrication | 0.003911264155980593 | 0.00232544219712619 | 0.035072809209163426 | 0.04919724480243179 | 0.02507359566017908 | 0.016820969672931747 | 0 | 0 | #DIV/0! | 0.026989323323168026
290 | Autres industries | 0 | 0 | 0.0023082702334592023 | 0.00018695135337427811 | 0.004128781880159665 | 0.011989478565886873 | 0 | 0 | #DIV/0! | 0.0025731950182625828
300 | Production et distribution de l'électricité | 0.026058660590412626 | 0 | 0.028465618365794795 | 0.05967193101806627 | 0.0042827740505827615 | 0.0005273510356293083 | 0 | 0.21409607030871075 | #DIV/0! | 0.026601170820042853
400 | Production et distribution de gaz | 0 | 0.000662819009728629 | 0 | 0.00019323092247984375 | 8.245588098817154e-06 | 0.013290457932080137 | 0 | 0 | #DIV/0! | 0.0011449423665795464
500 | Traitement et distribution de l'eau | 0 | 0.0017511319682937732 | 0.03924281777549199 | 0.000900926806879722 | 0.0013457483904534071 | 1.4390083156362733e-06 | 0 | 0 | #DIV/0! | 0.004170121170669993
600 | Entrep/ batiment et corps/ métiers corresp. | 0.07244636367493824 | 0.07379896766738807 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.04623042836186323 | 0 | 0 | #DIV/0! | 0.05658228691753691
700 | Commerce de gros(1) | 0.07068868831723335 | 0.19625416368703458 | 0.18997877689939802 | 0.16955790804326265 | 0.1269619402205846 | 0.17733957256409189 | 0 | 0.16377960591028803 | #DIV/0! | 0.13528633862696265
800 | Commerce de détail(2) | 0.008370424428796652 | 0.2988543132474059 | 0.04190079025238542 | 0.164785485469136 | 0.13690016082918446 | 0.08400897171180215 | 5.4267946258345606e-05 | 0.05544934195045746 | #DIV/0! | 0.10742539493976327
900 | Rest/débits/boissons, casinos/activités/loterie | 0.006864193103292336 | 0.0008289511683666223 | 0.0018197960405880148 | 9.140144912032012e-05 | 0.0007747686320228244 | 0.004540386372309462 | 0 | 0 | #DIV/0! | 0.0018924304085650497
1000 | Hotels,motels et pensions | 0.059014143333259154 | 0 | 0.0005310678835977033 | 0.06422202314728025 | 0.0010580103701370762 | 0.04715663943049624 | 0.0760128477223329 | 0 | #DIV/0! | 0.0348168571345341
1100 | Transport | 0.11289586603542813 | 0.10533616308316013 | 0.017725713807857115 | 0.011035442910944049 | 0.03131281845347135 | 0.009636174788331635 | 0 | 0 | #DIV/0! | 0.034877353250812135
1200 | Immobilier résidentiel | 0.11401605850102291 | 0.21930762955932798 | 0.15435316601253238 | 0.009195295720142138 | 0.09244368949001242 | 0.046488172073356274 | 0.6559783731659927 | 0 | #DIV/0! | 0.10105101167876053
1300 | Immobilier commercial | 0.14007364576745063 | 0.01953501812462798 | 0.11700912541701115 | 0.05926865274138588 | 0.13963182192501403 | 0.019948057763263416 | 0.23528504521571444 | 0 | #DIV/0! | 0.10684645413999191
1400 | Télécommunications | 0.007020254410699695 | 0 | 0.0024272220170630417 | 0.004935708180041865 | 0.005744644458246705 | 0.004492526312818023 | 0 | 0 | #DIV/0! | 0.004924165213164307
1500 | Services financiers | 0.005886681172759581 | 0 | 0.014451658541095449 | 0.065693085324133 | 0.12236278032048552 | 0.21490149234096487 | 0 | 0.14651691017314147 | #DIV/0! | 0.07914427949520102
1510 | Services professionnels | 0.05534137176672777 | 0.019510575350707125 | 0.008991066923829715 | 0.004458624165524085 | 0.008544092194177082 | 0.020188194379143657 | 0 | 0 | #DIV/0! | 0.015407114757596494
1520 | Services médicaux | 0 | 0.0003679385592317745 | 0.0005736087330119301 | 7.174988401778678e-05 | 0.0005112745433601107 | 0.006312452983309852 | 0 | 0 | #DIV/0! | 0.0007548064613707903
1530 | Services d'agence ou de représentation | 6.411321936588448e-05 | 0.0006925998320397176 | 1.0208566212412762e-06 | 0.0004777680153690531 | 0.0008587991734063925 | 0.00019999664154160448 | 0 | 0 | #DIV/0! | 0.00044993096422770205
1540 | Services d'enseignement | 0.0016827573435574837 | 0 | 0.0019794816204931447 | 0.005183847641943222 | 0.00042930531314190146 | 0.0024008793177678627 | 0 | 0 | #DIV/0! | 0.0022178615827267672
1550 | Autres services | 0.024319446405248354 | 0.007609626963654228 | 0.002430851531577062 | 0.07563438013388195 | 0.011164872814116628 | 0.0526621589156992 | 0 | 0 | #DIV/0! | 0.03313833628678066
1560 | Crédit à la consommation | 0.211597451699884 | 0.04582638839806217 | 0.1494116300669333 | 0.08158870514973811 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Total | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.003559070779062197 | 0.02703738786039243 | 0.0929664947204969 | 0.033261104405341045 | 0.05150141574539355 | 0.017729150659704675 | 0 | 0 | #DIV/0! | 0.03664422186160514
Produits pétroliers | 0 | 0 | 0.010445471264317736 | 0 | 0.00021380694201835225 | 0.011451935451137972 | 0 | 0 | #DIV/0! | 0.001918052994063885
Produits pharmaceutiques | 0 | 0 | 0.0015166279474721914 | 0 | 0.0038674105779536463 | 0.0021859576195931507 | 0 | 0 | #DIV/0! | 0.0015708456136284052
Produits alimentaires | 0.05436929801105195 | 0.010054716834458086 | 0.06620076526603581 | 0.07764974920680333 | 0.03248332139456846 | 0.06974128839060591 | 0 | 0.16377960591028803 | #DIV/0! | 0.053863880604029316
Matériaux de construction | 0 | 0.07623167625378906 | 0.004528489806214902 | 0 | 0.023134393312469713 | 0.06076796684100283 | 0 | 0 | #DIV/0! | 0.014025236006399834
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0
Autres | 0.012760319527119212 | 0.082930382738395 | 0.01432092789486047 | 0.05864705447123564 | 0.015761592591618273 | 0.01546320216191821 | 0 | 0 | #DIV/0! | 0.02726409587423514
S-Total | 0.07068868831723335 | 0.19625416368703458 | 0.189978776899398 | 0.16955790808338 | 0.126961940564022 | 0.17733950112396274 | - | 0.16377960591028803 | #DIV/0! | 0.13528633295396172
(2) Commerce de détail
Produits pétroliers | 0.0015042993423314615 | 0.004014885931539969 | 0.000298303408318151 | 0.00545106751820696 | 0.004561583729285325 | 0.002328975793190507 | 0 | 0 | #DIV/0! | 0.0035180637274931886
Produits pharmaceutiques | 0.0007249945743472562 | 0 | 0.00017520631079360062 | 0.00011707346535197468 | 8.959422696817548e-05 | 0.003112886399484984 | 0 | 0 | #DIV/0! | 0.00044318855114605497
Véhicules automobiles | 0.0011985451164939342 | 0 | 0.01548863022162911 | 0.04560628767171946 | 0.06086397279655029 | 0.023944855641246866 | 0 | 0 | #DIV/0! | 0.03604329276644788
Produits alimentaires | 0.0001881179170903017 | 0 | 0.008185286529685918 | 0.03595765331746232 | 0.018711036604034902 | 0.01332344617024706 | 0 | 0 | #DIV/0! | 0.0179560279043221
Librairie ,papeterie | 7.749399171121975e-05 | 0 | 0 | 0.001391923238243003 | 0.0008609264245490504 | 0.0017799349551084669 | 0 | 0 | #DIV/0! | 0.000825250651495271
Appareils électro- ménagers électroni.équip. inform. | 0.0018460456991299706 | 0 | 0.004623242453082441 | 0.021802870619121343 | 0.009485195105811523 | 0.02727164868224535 | 0 | 0.05544934195045746 | #DIV/0! | 0.012581961129411382
Matériaux de construction | 0 | 0 | 0.0010049974420082307 | 0.006685701170196541 | 0.017501991059331732 | 5.006325652443619e-05 | 0 | 0 | #DIV/0! | 0.007659484952801986
Autres | 0.0028309993426248368 | 0.29483942731586593 | 0.012125123886867968 | 0.04777290846883438 | 0.024825860539216076 | 0.01219709185610086 | 0 | 0 | #DIV/0! | 0.028398130739427367
S-Total | 0.00837049598372898 | 0.2988543132474059 | 0.04190079025238542 | 0.16478548546913596 | 0.13690016048574707 | 0.08400890275414853 | - | 0.05544934195045746 | #DIV/0! | 0.10742540042254523
[Secteur d'activité juin 17 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 JUIN 2017
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1104873 | 672835.00504 | 1823790.18855 | 8334134.159 | 7682975.56 | 1894993.018 | 220.68 | 177493.152 | 0 | 21691314.76259
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2140631 | 39423.15086 | 242080.93056 | 5380038.041 | 4242517.300000001 | 2525913.9639999997 | 309105.4 | 118623.69665000001 | 0 | 14998333.483070001
Industries Manufacturières ( 200 à 290 ) | 1169170 | 13132.646569999999 | 1128979.76076 | 3759847.62 | 5490353.739999998 | 1621225.7019999998 | 43416.32 | 336961.34633 | 0 | 13563087.135659998
Prêts aux Particuliers ( 1560 ) | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3550974 | 324578.75707 | 2134331.5874300003 | 1706591.913 | 6757433.050000001 | 481717.593 | 3624312.78 | 0 | 0 | 18579939.6805
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1675861 | 143148.1405 | 158507.82835 | 398110.8 | 1079016.58 | 102444.764 | 0 | 0 | 0 | 3557089.11285
Bâtiments et Travaux Publics ( 600 ) | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999
Électricité, Gaz et Eau ( 300 à 500 ) | 364177 | 3280.4744699999997 | 532543.60888 | 1514708.368 | 164127.97 | 100200.973 | 0 | 173337.448 | 0 | 2852375.8423499996
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883
Total | 13975277 | 1358964.82566 | 7865247.51168 | 24926869.562000003 | 29117389.459999997 | 7250826.758 | 4066488.88 | 809624.6126799999 | 0 | 89370688.61002
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.07905911274603 | 0.4951084769344404 | 0.23187956715178343 | 0.33434339351239867 | 0.26386210104976904 | 0.261348544275894 | 5.4267946258345606e-05 | 0.21922894786074554 | #DIV/0! | 0.2427117335667259
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15317270634421057 | 0.029009691873999464 | 0.030778552130814256 | 0.2158328797612697 | 0.14570390336084754 | 0.34836220038123267 | 0.0760128477223329 | 0.14651691017314147 | #DIV/0! | 0.16782161709100257
Industries Manufacturières ( 200 à 290 ) | 0.08365988022992317 | 0.009663713380971392 | 0.14354027118453036 | 0.15083513036597804 | 0.18855927134341385 | 0.22359184078026206 | 0.010676611022725827 | 0.4161945438078996 | #DIV/0! | 0.15176214200210764
Prêts aux Particuliers ( 1560 ) | 0.211597451699884 | 0.04582638839806216 | 0.14941163006693328 | 0.08158870514973812 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25408970426847355 | 0.23884264768395594 | 0.27136229142954355 | 0.06846394846152803 | 0.23207551141502647 | 0.06643622983661969 | 0.8912634183817072 | 0 | #DIV/0! | 0.20789746581875246
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11991612044612783 | 0.1053361630831601 | 0.020152935824920157 | 0.015971151090985916 | 0.037057462911718055 | 0.014128701101149657 | 0 | 0 | #DIV/0! | 0.03980151846397644
Bâtiments et Travaux Publics ( 600 ) | 0.07244636367493824 | 0.07379896766738805 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.046230428361863224 | 0 | 0 | #DIV/0! | 0.05658228691753691
Électricité, Gaz et Eau ( 300 à 500 ) | 0.026058660590412626 | 0.0024139509780224016 | 0.06770843614128677 | 0.06076608874742584 | 0.005636768029134986 | 0.01381924797602508 | 0 | 0.2140960703087108 | #DIV/0! | 0.031916234357292385
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698844 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034
Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1 | #DIV/0! | 0.9999999999999999
[Secteur d'activité mars 17 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 mars 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281
200 | Industrie alimentaire | 523212 | 9972.45242 | 464970.92687 | 55414.358 | 1913902.01 | 386914.111 | 44995.29 | 184954.59248 | 0 | 3584335.7407700005
210 | Industrie des boissons | 1331 | 0 | 3055.86105 | 834659.013 | 2718960.41 | 333050.647 | 0 | 71400 | 0 | 3962456.93105
220 | Industrie du bois | 44017 | 0 | 0 | 1051.747 | 0 | 991.602 | 0 | 0 | 0 | 46060.349
230 | Industrie chimique | 0 | 0 | 222109.5366 | 433994.653 | 61440.75 | 55546.066 | 0 | 119166.13831000001 | 0 | 892257.1439099999
240 | Industrie du textile | 64303 | 0 | 247815.51309 | 730422.098 | 5284.23 | 217422.907 | 0 | 0 | 0 | 1265247.74809
250 | Industrie pharmacie | 0 | 0 | 47148.35615 | 800.878 | 7628.26 | 31600.515 | 0 | 0 | 0 | 87178.00915
260 | Imprimerie, édition | 41967 | 0 | 5263.05221 | 118588.597 | 76742.56 | 46702.109 | 0 | 0 | 0 | 289263.31821
270 | Sidérurgie, aciérie | 347036 | 0 | 111607.91109000001 | 422318.217 | 28183.54 | 318281.09 | 0 | 0 | 0 | 1227426.7580900001
280 | Industrie de la fabrication | 55908 | 3394.46677 | 321179.81545999995 | 1171284.903 | 292027.96 | 181265.127 | 0 | 0 | 0 | 2025060.27223
290 | Autres industries | 0 | 0 | 21251.54249 | 5416.283 | 80611.15 | 68902.872 | 0 | 0 | 0 | 176181.84749000001
300 | Production et distribution de l'électricité | 296388 | 0 | 306439.91486 | 1339357.622 | 138704.6 | 876.901 | 0 | 154999.488 | 0 | 2236766.52586
400 | Production et distribution de gaz | 0 | 1185.8063 | 6.80819 | 6298.239 | 0.07 | 110875.898 | 0 | 0 | 0 | 118366.82149
500 | Traitement et distribution de l'eau | 0 | 3798.0301600000003 | 319352.14338 | 25944.744 | 39538.65 | 5.978 | 0 | 0 | 0 | 388639.5455400001
600 | Entrep/ batiment et corps/ métiers corresp. | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014
700 | Commerce de gros(1) | 1089800 | 292766.93299 | 1184121.93706 | 3828757.024 | 3541554.01 | 1370639.3369200001 | 0 | 132600 | 0 | 11440239.24097
800 | Commerce de détail(2) | 126197 | 444857.24362 | 339706.2093800001 | 4398770.173 | 4303131.71 | 554792.245 | 405.82 | 87187.212 | 0 | 10255047.612999998
900 | Rest/débits/boissons, casinos/activités/loterie | 103048 | 1198.96598 | 16240.107800000002 | 2425.967 | 21114.32 | 34803.577 | 0 | 0 | 0 | 178830.93777999998
1000 | Hotels,motels et pensions | 757020 | 0 | 4350.06168 | 1724013.987 | 35129.74 | 924164.178 | 312725.91000000003 | 0 | 0 | 3757403.87668
1100 | Transport | 1682081 | 151023.80558000001 | 163931.50694999998 | 266738.96 | 995635.39 | 55721.531 | 0 | 0 | 0 | 3315132.1935300003
1200 | Immobilier résidentiel / Avance Hypothécaire | 1511434 | 310319.12106 | 1152123.3084500001 | 239667.465 | 1904251.69 | 344674.54 | 2635371.2899999996 | 0 | 0 | 8097841.4145100005
1300 | Immobilier commercial | 1848627 | 28082.340170000003 | 805056.85733 | 1854782.489 | 4649712.84 | 175311.469 | 1114063.6 | 0 | 0 | 10475636.5955
1400 | Télécommunications | 192710 | 0 | 2938.3977200000004 | 113027.28 | 144004.78 | 37532.952 | 0 | 0 | 0 | 490213.40972000005
1500 | Services financiers | 72402 | 98560.46883 | 204117.46637 | 1303982.227 | 2477238.61 | 1492414.609 | 0 | 192546.40399000002 | 0 | 5841261.785189999
1510 | Services professionnels | 885078 | 27616.084059999997 | 68746.83884 | 111606.882 | 253282.38 | 170984.052 | 0 | 0 | 0 | 1517314.2369000001
1520 | Services médicaux | 0 | 726.99936 | 5303.1562699999995 | 1764.553 | 15148.5 | 43153.913 | 0 | 0 | 0 | 66097.12163000001
1530 | Services d'agence ou de représentation | 197 | 941.2188100000001 | 24.3436 | 11741.925 | 16999.53 | 25457.8691 | 0 | 0 | 0 | 55361.88651
1540 | Services d'enseignement | 19646 | 0 | 14784.77707 | 108118.604 | 4931.29 | 18782.085 | 0 | 0 | 0 | 166262.75607
1550 | Autres services | 410555 | 16261.32726 | 8530.9971 | 682177.252 | 311839.48 | 345835.75 | 0 | 0 | 0 | 1775199.8063599998
1560 | Crédit à la consommation | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0
Total | 13975928 | 1574069.79752 | 7929638.260180001 | 25495776.707000002 | 27070843.17 | 7932130.917330001 | 4281302.13 | 947192.2773200001 | 0 | 89206881.25935
(1) Commerce de gros
Import-export | 72728 | 38183.3037 | 666032.88226 | 724339.424 | 1583283.47 | 72806 | 0 | 0 | 0 | 3157373.07996
Produits pétroliers | 0 | 0 | 83198.24827 | 79168.312 | 6500 | 91439 | 0 | 0 | 0 | 260305.56027000002
Produits pharmaceutiques | 0 | 0 | 13546.61458 | 138099.056 | 106996.22 | 12345 | 0 | 132600 | 0 | 403586.89058
Produits alimentaires | 851929 | 14220.03849 | 341582.52309 | 1728509.078 | 1082427.61 | 516619 | 0 | 0 | 0 | 4535287.2495800005
Matériaux de construction | 0 | 114106.28513 | 44988.68958 | 431752.057 | 341807.83 | 502303 | 0 | 0 | 0 | 1434957.86171
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 165143 | 126257.30567 | 34772.97928 | 726889.096 | 420538.88 | 175128 | 0 | 0 | 0 | 1648729.26095
S-Total | 1089800 | 292766.93299 | 1184121.9370600001 | 3828757.023 | 3541554.01 | 1370640 | - | 132600 | 0 | 11440239.903050002
(2) Commerce de détail
Produits pétroliers | 22734 | 6200.22997 | 2476.4245699999997 | 147369.864 | 120955.58 | 21242 | 0 | 0 | 320978.09854
Produits pharmaceutiques | 7326 | 0 | 989.3670400000001 | 10516.502 | 1108.99 | 23402 | 0 | 0 | 0 | 43342.85904
Véhicules automobiles | 16787 | 0 | 145359.40511000002 | 1422244.901 | 1877548.64 | 121303 | 0 | 0 | 0 | 3583242.94611
Produits alimentaires | 1951 | 0 | 92111.01670000001 | 903080.429 | 672661.29 | 106597 | 0 | 0 | 0 | 1776400.7357
Librairie ,papeterie | 1139 | 0 | 0 | 32795.299 | 24650.85 | 14356 | 0 | 0 | 0 | 72941.149
Appareils électro- ménagers électroni.équip. inform. | 29230 | 0 | 40828.98966 | 321399.463 | 337126.19 | 188066 | 0 | 87187.212 | 0 | 1003837.85466
Matériaux de construction | 0 | 0 | 12379.362539999998 | 172785.243 | 373019.59 | 41 | 0 | 0 | 0 | 558225.19554
Autres | 47030 | 434149.11415 | 45561.64376 | 1388578.472 | 896060.59 | 79785 | 0 | 0 | 0 | 2891164.81991
S-Total | 126197 | 440349.34411999997 | 339706.20938 | 4398770.173 | 4303131.72 | 554792 | - | 87187.212 | 0 | 10250133.6585
[Secteur d'activité mars 17 %]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2017
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 2.9327706052851012e-06 | 0.00015950202446209398 | 0.026392422486188855 | 2.772268918552085e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027
200 | Industrie alimentaire | 0.03743665536914615 | 0.006335457573553558 | 0.05863709183367531 | 0.002173472047422885 | 0.07069975611697948 | 0.048778079312165136 | 0.010509720789081523 | 0.19526615335517014 | #DIV/0! | 0.04018003645200092
210 | Industrie des boissons | 9.52351786586193e-05 | 0 | 0.0003853720623481042 | 0.03273714790461119 | 0.10043870421491567 | 0.04198753783455035 | - | 0.0753806821588751 | #DIV/0! | 0.044418736257912664
220 | Industrie du bois | 0.0031494867460679535 | 0 | 0 | 4.125181248984022e-05 | 0 | 0.00012501079600609754 | - | 0 | #DIV/0! | 0.0005163317935764322
230 | Industrie chimique | 0 | 0 | 0.02801004652574885 | 0.017022217365154614 | 0.0022696282348563432 | 0.007002666317400761 | - | 0.12580987109309047 | #DIV/0! | 0.010002111174764112
240 | Industrie du textile | 0.0046009824893202085 | 0 | 0.03125180556273883 | 0.028648748629786152 | 0.0001952000522043584 | 0.027410403240442957 | - | 0 | #DIV/0! | 0.01418329763610457
250 | Industrie pharmacie | 0 | 0 | 0.00594583946997473 | 3.141218285694017e-05 | 0.0002817887847857529 | 0.003983862007491539 | - | 0 | #DIV/0! | 0.0009772565515046817
260 | Imprimerie, édition | 0.0030028059675178635 | 0 | 0.0006637190799017016 | 0.004651303561481257 | 0.0028348788221360744 | 0.005887712833630359 | - | 0 | #DIV/0! | 0.003242612163169661
270 | Sidérurgie, aciérie | 0.02483098081215072 | 0 | 0.014074779634079618 | 0.016564242064610265 | 0.0010411031464004452 | 0.04012554675624734 | - | 0 | #DIV/0! | 0.013759328212826076
280 | Industrie de la fabrication | 0.004000306813257767 | 0.0021564906304333497 | 0.0405037159226869 | 0.04594034990424188 | 0.010787545780015688 | 0.02285200898587978 | - | 0 | #DIV/0! | 0.022700718191711787
290 | Autres industries | 0 | 0 | 0.002680014118262892 | 0.00021243843881457164 | 0.0029777849730714535 | 0.00868655254409153 | - | 0 | #DIV/0! | 0.0019749804611797696
300 | Production et distribution de l'électricité | 0.021207035411172696 | 0 | 0.03864487947689103 | 0.052532528716109764 | 0.005123763568388328 | 0.00011055049508627748 | - | 0.16364099635457108 | #DIV/0! | 0.025073923606376034
400 | Production et distribution de gaz | 0 | 0.0007533378137794637 | 8.585751047671946e-07 | 0.00024703067776204616 | 2.5858078952477638e-09 | 0.01397807211650529 | - | 0 | #DIV/0! | 0.0013268799426568191
500 | Traitement et distribution de l'eau | 0 | 0.0024128727747549216 | 0.04027322973655431 | 0.0010176094769796416 | 0.0014605621905348285 | 7.536436377946505e-07 | - | 0 | #DIV/0! | 0.004356609490809497
600 | Entrep/ batiment et corps/ métiers corresp. | 0.07088395131972632 | 0.0644068211776434 | 0.0899532106580368 | 0.09888383229006759 | 0.030341489729076656 | 0.044888424437383355 | - | 0 | #DIV/0! | 0.06169812073284562
700 | Commerce de gros(1) | 0.07797693290921362 | 0.18599361569052666 | 0.14932861981942674 | 0.15017220569510223 | 0.13082540457863395 | 0.172795854128611 | - | 0.13999269543791087 | #DIV/0! | 0.12824390988078535
800 | Commerce de détail(2) | 0.009029597175944239 | 0.2826159578951884 | 0.042840063850817935 | 0.17252936529650004 | 0.15895817071441443 | 0.06994239641051539 | 9.478891880961459e-05 | 0.09204806044944622 | #DIV/0! | 0.1149580331497705
900 | Rest/débits/boissons, casinos/activités/loterie | 0.007373249203916906 | 0.0007616981037873996 | 0.002048026311812029 | 9.515171974870402e-05 | 0.0007799653622683966 | 0.0043876705216704965 | - | 0 | #DIV/0! | 0.0020046764919410993
1000 | Hotels,motels et pensions | 0.054165991696580006 | 0 | 0.0005485826133891326 | 0.06761959075860052 | 0.0012976965578571594 | 0.11650894162385797 | 0.07304457861281564 | 0 | #DIV/0! | 0.042120112525357196
1100 | Transport | 0.1203555856899091 | 0.09594479597915105 | 0.02067326422356608 | 0.010462084095942266 | 0.03677888360357266 | 0.007024787107113984 | - | 0 | #DIV/0! | 0.0371622922663551
1200 | Immobilier résidentiel | 0.10814551992540317 | 0.19714444781858986 | 0.14529329972535812 | 0.009400280985917091 | 0.0703432722077271 | 0.043452956537436895 | 0.6155536820289764 | 0 | #DIV/0! | 0.09077597266254889
1300 | Immobilier commercial | 0.13227221834571556 | 0.017840593990333005 | 0.10152504198996404 | 0.07274861677348937 | 0.17176091674724145 | 0.022101434132533307 | 0.2602160665544994 | 0 | #DIV/0! | 0.11743081304506452
1400 | Télécommunications | 0.013788708699701372 | 0 | 0.00037055886076867514 | 0.004433176572689694 | 0.005319552815391675 | 0.004731761539386418 | - | 0 | #DIV/0! | 0.005495242102398009
1500 | Services financiers | 0.0051804788919920025 | 0.06261505619718093 | 0.02574108170797776 | 0.05114502852709659 | 0.09150947365929421 | 0.18814800518980276 | - | 0.20328122240902732 | #DIV/0! | 0.06547994619616591
1510 | Services professionnels | 0.063328746398808 | 0.0175443834215675 | 0.008669605924550643 | 0.00437746546349999 | 0.009356279684730632 | 0.021555878714310753 | 0 | 0 | #DIV/0! | 0.017008937152378775
1520 | Services médicaux | 0 | 0.0004618596717536999 | 0.00066877656911926 | 6.920961931375609e-05 | 0.0005595872985880106 | 0.005440393439008676 | 0 | 0 | #DIV/0! | 0.0007409419620649746
1530 | Services d'agence ou de représentation | 1.409566506066717e-05 | 0.0005979523979704851 | 3.0699508856848412e-06 | 0.00046054392203616183 | 0.0006279645555643031 | 0.0032094615388129854 | 0 | 0 | #DIV/0! | 0.0006206010761551803
1540 | Services d'enseignement | 0.0014057027197049098 | 0 | 0.0018644957796176175 | 0.004240647588128408 | 0.0001821624087965192 | 0.002367848588954222 | 0 | 0 | #DIV/0! | 0.001863788462536051
1550 | Autres services | 0.029375866847625432 | 0.010330753620722707 | 0.001075836856624321 | 0.026756480488500062 | 0.011519385563342243 | 0.0435993497339313 | 0 | 0 | #DIV/0! | 0.019899807966596038
1560 | Crédit à la consommation | 0.2083798657234067 | 0.05208390524306361 | 0.14832218038951273 | 0.12462706539658429 | 0.05533665355721537 | 0.02891580224664335 | 0.0405811630958173 | 0.004580318741908722 | #DIV/0! | 0.10372902965039071
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999999 | #DIV/0! | 1
(1) Commerce de gros
Import-export | 0.005203804713361431 | 0.024257694137934084 | 0.08399284562633771 | 0.028410172881735692 | 0.05848666995916108 | 0.009178618048390319 | - | 0 | #DIV/0! | 0.0353938287650771
Produits pétroliers | 0 | 0 | 0.010492060991961493 | 0.0031051539598032298 | 0.00024011073313014947 | 0.011527671561777359 | - | 0 | #DIV/0! | 0.0029179986632781956
Produits pharmaceutiques | 0 | 0 | 0 | 0.00541654633969571 | 0.003952452434823809 | 0.0015563283219429509 | - | 0.13999269543791087 | #DIV/0! | 0.004524167697407301
Produits alimentaires | 0.06095688243385341 | 0.009033931349425641 | 0.04307668419192758 | 0.0677958980369258 | 0.03998499799960239 | 0.06512991343490039 | - | 0 | #DIV/0! | 0.05084010544427194
Matériaux de construction | 0 | 0.07249124867892028 | 0.005673485738424941 | 0.016934257856182907 | 0.012626419792450078 | 0.06332510207346376 | - | 0 | #DIV/0! | 0.016085730623607006
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | #DIV/0! | 0
Autres | 0.011816245761998774 | 0.08021074152424666 | 0.004385191119577082 | 0.02851017658153669 | 0.015534753659466454 | 0.022078304282318762 | - | 0 | #DIV/0! | 0.018482086108992768
S-Total | 0.0779769329092136 | 0.18599361569052666 | 0.1476202676682288 | 0.15017220565588002 | 0.13082540457863398 | 0.17279593772279356 | - | 0.13999269543791087 | #DIV/0! | 0.1282439173026343
(2) Commerce de détail
Produits pétroliers | 0.00162665405832085 | 0.0039389803296960985 | 0.00031229981605034594 | 0.0057801676604556556 | 0.004468112767689607 | 0.002677968911681828 | - | 0 | #DIV/0! | 0.0035981316016062094
Produits pharmaceutiques | 0.0005241870164185161 | 0 | 0.00012476824383884843 | 0.00041248015782600726 | 4.096621568215453e-05 | 0.0029502790919488813 | - | 0 | #DIV/0! | 0.0004858690095216968
Véhicules automobiles | 0.0012011366973270039 | 0 | 0.01833115210815435 | 0.05578354867728015 | 0.06935685852891 | 0.015292611943025175 | - | 0 | #DIV/0! | 0.04016778633581511
Produits alimentaires | 0.00013959717022010988 | 0 | 0.01161604270935672 | 0.0354207851511366 | 0.02484818392156494 | 0.013438633465706985 | - | 0 | #DIV/0! | 0.01991327026146664
Librairie ,papeterie | 8.149727159441578e-05 | 0 | 0 | 0.0012863031935401235 | 0.0009106051793509761 | 0.0018098541425526937 | - | 0 | #DIV/0! | 0.0008176628077372098
Appareils électro- ménagers électroni.équip. inform. | 0.002091453247326403 | 0 | 0.005148909486203119 | 0.012605988305183032 | 0.012453479482811395 | 0.02370939183430725 | - | 0.09204806044944622 | #DIV/0! | 0.011252919511237651
Matériaux de construction | 0 | 0 | 0.0015611509798832853 | 0.006777014286941134 | 0.013779385727201197 | 0 | - | 0 | #DIV/0! | 0.006257647253882569
Autres | 0.003365071714736939 | 0.2758131277494915 | 0.005745740507331259 | 0.05446307786413734 | 0.03310057926060527 | 0.010058457283614285 | - | 0 | #DIV/0! | 0.032409661441975025
S-Total | 0.009029597175944237 | 0.2797521080791876 | 0.04284006385081792 | 0.17252936529650004 | 0.15895817108381555 | 0.0699371966728371 | - | 0.09204806044944622 | #DIV/0! | 0.1149029482232421
[Secteur d'activité mars 17 glob]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 MARS 2017
Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
Commerce de Gros et Détail (700 ; 800 ) | 1215997 | 737624.17661 | 1523828.14644 | 8227527.197000001 | 7844685.72 | 1925431.5819200003 | 405.82 | 219787.212 | 0 | 21695286.853970002
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2247946 | 145305.0643 | 322097.74873 | 3945831.397 | 3135683.8499999996 | 3055596.0330999997 | 312725.91000000003 | 192546.40399000002 | 0 | 13357732.40712
Industries Manufacturières ( 200 à 290 ) | 1077774 | 13366.91919 | 1444402.51501 | 3773950.747 | 5184780.87 | 1640677.046 | 44995.29 | 375520.73079 | 0 | 13555468.117989998
Prêts aux Particuliers ( 1560 ) | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3360061 | 338401.46122999996 | 1957180.1657800002 | 2094449.9540000001 | 6553964.529999999 | 519986.00899999996 | 3749434.8899999997 | 0 | 0 | 18573478.01001
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1874791 | 151023.80558000001 | 166869.90467 | 379766.24 | 1139640.17 | 93254.48300000001 | 0 | 0 | 0 | 3805345.6032499997
Bâtiments et Travaux Publics ( 600 ) | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014
Électricité, Gaz et Eau ( 300 à 500 ) | 296388 | 4983.83646 | 625798.86643 | 1371600.605 | 178243.32 | 111758.777 | 0 | 154999.488 | 0 | 2743772.89289
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281
Total | 13975928 | 1574069.7975199998 | 7929638.26018 | 25495776.706999995 | 27070843.170000006 | 7932130.917329999 | 4281302.13 | 947192.27732 | 0 | 89206881.25935
Regroupement des Secteurs d'activités
Commerce de Gros et Détail (700 ; 800 ) | 0.08700653008515785 | 0.4686095735857151 | 0.1921686836702447 | 0.32270157099160235 | 0.2897835752930483 | 0.24273825053912645 | 9.478891880961459e-05 | 0.23204075588735715 | #DIV/0! | 0.2432019430305559
Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16084413142368792 | 0.09231170341298273 | 0.04061947571397645 | 0.15476411808692425 | 0.11583251509044146 | 0.38521754935034924 | 0.07304457861281564 | 0.20328122240902735 | #DIV/0! | 0.14973881183319523
Industries Manufacturières ( 200 à 290 ) | 0.07711645337611928 | 0.00849194820398691 | 0.18215238420941696 | 0.14802258391146964 | 0.19152639012536524 | 0.2068393806279059 | 0.010509720789081523 | 0.3964567066071358 | #DIV/0! | 0.15195540889475065
Prêts aux Particuliers ( 1560 ) | 0.2083798657234067 | 0.05208390524306362 | 0.14832218038951275 | 0.12462706539658433 | 0.055336653557215364 | 0.028915802246643356 | 0.0405811630958173 | 0.004580318741908723 | #DIV/0! | 0.10372902965039071
Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24041773827111873 | 0.2149850418089229 | 0.2468183417153222 | 0.0821488977594065 | 0.2421041889549685 | 0.06555439066997022 | 0.8757697485834759 | 0 | #DIV/0! | 0.20820678570761342
Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13414429438961048 | 0.09594479597915107 | 0.021043823084334758 | 0.014895260668631964 | 0.042098436418964325 | 0.011756548646500404 | 0 | 0 | #DIV/0! | 0.0426575343687531
Bâtiments et Travaux Publics ( 600 ) | 0.07088395131972632 | 0.06440682117764342 | 0.08995321065803681 | 0.09888383229006763 | 0.03034148972907665 | 0.04488842443738336 | 0 | 0 | #DIV/0! | 0.06169812073284562
Électricité, Gaz et Eau ( 300 à 500 ) | 0.021207035411172696 | 0.003166210588534386 | 0.07891896778855012 | 0.05379716887085147 | 0.0065843283447310505 | 0.014089376255229364 | 0 | 0.1636409963545711 | #DIV/0! | 0.03075741303984235
Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.9327706052851016e-06 | 0.00015950202446209403 | 0.026392422486188852 | 2.7722689185520856e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027
Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1
[Secteur d'activité déc. 16 ]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 31 DECEMBRE 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439
200 | Industrie alimentaire | 435785 | 5780.0034000000005 | 364476.57951999997 | 485713.746 | 1909756.97 | 382984.98 | 41142.04 | 129027.14433 | 191013 | 3945679.46325
210 | Industrie des boissons | 1363 | 0 | 3094.87404 | 841673.32 | 2699024.04 | 337983.308 | 0 | 94988.04 | 63023 | 4041149.5820400002
220 | Industrie du bois | 22980 | 0 | 34.59961 | 3262.98 | 0 | 694.727 | 0 | 0 | 0 | 26972.30661
230 | Industrie chimique | 0 | 0 | 205364.18073 | 386031.262 | 61402.27 | 55611.087 | 0 | 123967.25631 | 0 | 832376.05604
240 | Industrie du textile | 67941 | 0 | 273609.49755000003 | 780450.242 | 4866.12 | 241839.919 | 0 | 0 | 9250 | 1377956.7785500002
250 | Industrie pharmacie | 0 | 0 | 2476.14946 | 17436.149 | 8216.4 | 31116.744 | 0 | 0 | 0 | 59245.44246
260 | Imprimerie, édition | 8323 | 0 | 6255.29504 | 79016.38 | 43993.54 | 44942.388 | 0 | 0 | 0 | 182530.60304000002
270 | Sidérurgie, aciérie | 347036 | 0 | 114528.92006 | 442369.624 | 47322.77 | 250984.496 | 0 | 0 | 49574 | 1251815.81006
280 | Industrie de la fabrication | 59632 | 3439.80517 | 232747.62600999998 | 1209116.021 | 349446.09 | 192438.15 | 0 | 0 | 5682 | 2052501.69218
290 | Autres industries | 0 | 0 | 11146.8061 | 29312.261 | 55939.36 | 62990.819 | 0 | 0 | 0 | 159389.2461
300 | Production et distribution de l'électricité | 479041 | 0 | 311164.30458 | 1487434.441 | 67394.4 | 3195.722 | 0 | 149650.50525999998 | 0 | 2497880.37284
400 | Production et distribution de gaz | 0 | 1731.22517 | 352.9756 | 2015.445 | 0.07 | 111371.55 | 0 | 0 | 0 | 115471.26577
500 | Traitement et distribution de l'eau | 0 | 4894.53313 | 303772.08931 | 66079.022 | 40528.07 | 1.624 | 0 | 0 | 0 | 415275.33844
600 | Entrep/ batiment et corps/ métiers corresp. | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782
700 | Commerce de gros(1) | 696876 | 290205.42068 | 930792.04192 | 4296548.442 | 3261441.74 | 1242535.58598 | 0 | 176406.36 | 30467 | 10925272.59058
800 | Commerce de détail(2) | 116531 | 447014.02119 | 211332.74159 | 4132767.234 | 4021629.71 | 546066.743 | 584.4 | 84178.40921 | 8398 | 9568502.258990003
900 | Rest/débits/boissons, casinos/activités/loterie | 100654 | 2189.4061 | 16189.067939999999 | 28862.675 | 21762.41 | 37965.586 | 0 | 0 | 0 | 207623.14504
1000 | Hotels,motels et pensions | 612383 | 0 | 31453.608070000002 | 1492828.692 | 37580.87 | 834261.35 | 314447.68 | 0 | 0 | 3322955.2000700003
1100 | Transport | 1596214 | 151323.39733 | 178010.69873 | 90610.778 | 999013.13 | 35478.375 | 0 | 0 | 0 | 3050650.37906
1200 | Immobilier résidentiel / Avance Hypothécaire | 1458908 | 308639.88079 | 1118630.05776 | 248491.306 | 1789417.45 | 398658.82148000004 | 2635767.51 | 0 | 808940 | 8767453.02603
1300 | Immobilier commercial | 1156682 | 29492.42043 | 696708.72209 | 1465978.881 | 4595523.32 | 187989.054 | 1092441.76 | 0 | 11284 | 9236100.15752
1400 | Télécommunications | 199627 | 0 | 3517.17933 | 123031.754 | 158903.05 | 39490.874 | 0 | 0 | 158215 | 682784.85733
1500 | Services financiers | 76725 | 98374.19715 | 145344.95135 | 1637522.969 | 2679611.48 | 1431713.391 | 0 | 125249.62026000001 | 622028 | 6816569.60876
1510 | Services professionnels | 900063 | 27612.436850000002 | 84934.70023999999 | 630832.312 | 320446.92 | 181719.779 | 0 | 0 | 65716 | 2211325.1480900003
1520 | Services médicaux | 0 | 868.7529000000001 | 3287.2553399999997 | 40280.403 | 19023.7 | 44908.784 | 0 | 0 | 910 | 109278.89524
1530 | Services d'agence ou de représentation | 407 | 941.2188100000001 | 2394.5638799999997 | 28901.023 | 14170.68 | 16573.272800000002 | 0 | 0 | 0 | 63387.75849000001
1540 | Services d'enseignement | 23966 | 0 | 12213.52288 | 149228.158 | 6403.37 | 15994.975 | 0 | 0 | 7547 | 215353.02588
1550 | Autres services | 451350 | 17128.96682 | 8673.50574 | 1100971.637 | 324087.58 | 378099.783 | 0 | 0 | 11483 | 2291794.47256
1560 | Crédit à la consommation | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019
1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
0
Total | 13156425 | 1708591.34689 | 7104534.7173 | 26100194.560000002 | 26503591.68 | 7607607.265570001 | 4219809.71 | 883467.3353699999 | 3106261 | 90390482.61512998
(1) Commerce de gros
Import-export | 35853 | 37731.26498 | 286551.30374 | 955099.495 | 1405261.65 | 90046 | 2810542.71372
Produits pétroliers | 0 | 0 | 93301.68539 | 4011.016 | 6500 | 93856 | 197668.70139
Produits pharmaceutiques | 0 | 0 | 13253.08382 | 140674.463 | 116699.82 | 13358 | 283985.36682
Produits alimentaires | 455435 | 18715.29864 | 308957.89441 | 1935565.17 | 804349.72 | 444191 | 176406.36 | 3957 | 4147577.4430499994
Matériaux de construction | 0 | 111166.89892 | 203531.59159 | 416544.279 | 367340.35 | 474132 | 26509 | 1599224.11951
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Autres | 205588 | 122591.95814 | 25196.482949999998 | 844654.02 | 561290.2 | 126953 | 0 | 0 | 1886273.6610899998
S-Total | 696876 | 290205.42068 | 930792.0419 | 4296548.443 | 3261441.74 | 1242536 | - | 176406.36 | 30466 | 10925272.005579999
(2) Commerce de détail
Produits pétroliers | 21027 | 6990.63075 | 2600.9317 | 135241.221 | 140062.89 | 9329 | 315251.67345
Produits pharmaceutiques | 7742 | 0 | 294.7079 | 6200.399 | 1175.26 | 24184 | 1189 | 40785.3669
Véhicules automobiles | 19640 | 0 | 45680.596549999995 | 1380457.811 | 2000336.09 | 98854 | 3544968.49755
Produits alimentaires | 2115 | 0 | 59865.84543 | 896311.734 | 699593.19 | 104491 | 5064 | 1767440.7694299999
Librairie ,papeterie | 1209 | 0 | 4109.76144 | 34696.289 | 22560.24 | 13881 | 411 | 76867.29044
Appareils électro- ménagers électroni.équip. inform. | 470 | 0 | 40331.05993 | 322377.121 | 197575.5 | 210944 | 84178.40921 | 855876.09014
Matériaux de construction | 18156 | 0 | 14157.09041 | 166653.601 | 299127.43 | 224 | 498318.12141
Autres | 46172 | 440023.39044 | 44292.74823 | 1190829.058 | 661199.11 | 84160 | 1734 | 2468410.30667
S-Total | 116531 | 447014.02119 | 211332.74159000002 | 4132767.2339999992 | 4021629.7100000004 | 546067 | - | 84178.40921 | 8398 | 9567918.115989998
[Secteur d'activité déc. 16 (%]
CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT
RISQUES PAR SECTEUR D'ACTIVITÉ
AU 30 décembre 2016
Limite
Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement,
l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques
de crédit de l'établissement bancaire.
Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce
de détail"
LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX
Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME
100 | Ressources naturelles | 0 | 0 | 4.0303694948910037e-07 | 0.00032023711473819753 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.007692747779107541
200 | Industrie alimentaire | 0.03312335987929852 | 0.0033829056962747924 | 0.051301963326673035 | 0.018609583345573343 | 0.07205653456550686 | 0.05034237002917957 | 0.009749738217460996 | 0.14604630999284526 | 0.06149290095069281 | 0.043651492381671986
210 | Industrie des boissons | 0.00010359957207220047 | 0 | 0.00043561952515536065 | 0.03224777953532619 | 0.10183616139984239 | 0.04442701840427834 | - | 0.10751731976623516 | 0.02028902271895375 | 0.04470768896374466
220 | Industrie du bois | 0.0017466751036090732 | 0 | 4.870074026909562e-06 | 0.00012501745887368587 | 0 | 9.132004002679645e-05 | - | 0 | 0 | 0.0002983976391059256
230 | Industrie chimique | 0 | 0 | 0.028906070404572024 | 0.014790359555082181 | 0.0023167527911447205 | 0.0073099313698383106 | - | 0.14031900371062614 | 0 | 0.009208669231075365
240 | Industrie du textile | 0.0051640928291690185 | 0 | 0.03851195165303975 | 0.029902085220317984 | 0.0001836022852582673 | 0.03178922236095216 | - | 0 | 0.0029778566578919155 | 0.015244489670634322
250 | Industrie pharmacie | 0 | 0 | 0.0003485308410092524 | 0.0006680467059322948 | 0.00031001081284391413 | 0.004090214296527382 | - | 0 | 0 | 0.0006554389438571625
260 | Imprimerie, édition | 0.0006326186635047135 | 0 | 0.0008804651238831945 | 0.003027424941923498 | 0.0016599086090357397 | 0.0059075588987614076 | - | 0 | 0 | 0.0020193564384116606
270 | Sidérurgie, aciérie | 0.026377682387122642 | 0 | 0.016120537743466116 | 0.016948901395469135 | 0.0017855229046450506 | 0.032991252996969075 | - | 0 | 0.015959380103603656 | 0.013848978054360618
280 | Industrie de la fabrication | 0.004532538284526382 | 0.002013240425372151 | 0.03276043193134724 | 0.04632593899713826 | 0.013184857894701765 | 0.025295489538599565 | - | 0 | 0.0018292088140693908 | 0.022707055353595854
290 | Autres industries | 0 | 0 | 0.0015689706002641958 | 0.0011230667623038592 | 0.002110633180415795 | 0.008279977764504174 | - | 0 | 0 | 0.0017633410231767109
300 | Production et distribution de l'électricité | 0.036411183129155526 | 0 | 0.043797984943657865 | 0.05698940050353402 | 0.0025428402615656352 | 0.00042006926599155356 | - | 0.16938996980270438 | 0 | 0.02763432941801655
400 | Production et distribution de gaz | 0 | 0.0010132470664510845 | 4.968314098606368e-05 | 7.721953931672147e-05 | 2.6411514652492567e-09 | 0.014639497822664677 | - | 0 | 0 | 0.001277471503959775
500 | Traitement et distribution de l'eau | 0 | 0.002864659907653806 | 0.04275749241822908 | 0.0025317444223680145 | 0.001529153878060349 | 2.134705359134127e-07 | - | 0 | 0 | 0.0045942374288251596
600 | Entrep/ batiment et corps/ métiers corresp. | 0.07681646039862652 | 0.11604170582444404 | 0.09970170957644284 | 0.10410645816273945 | 0.02883155533129614 | 0.042075996057088345 | - | 0 | 0.13792240896692196 | 0.06800595781741153
700 | Commerce de gros(1) | 0.05296849258062126 | 0.1698506908677933 | 0.13101379315572367 | 0.16461748712726834 | 0.12305659472037264 | 0.163328040289801 | - | 0.19967502242300816 | 0.009808255004972215 | 0.12086751032294275
800 | Commerce de détail(2) | 0.008857345365477325 | 0.2616272299421747 | 0.029746176209877778 | 0.15834239183541166 | 0.15173904573223487 | 0.07177903957678682 | 0.00013848965715565405 | 0.09528185801543611 | 0.0027035719149163576 | 0.10585740868019641
900 | Rest/débits/boissons, casinos/activités/loterie | 0.007650558567391978 | 0.0012814100363935388 | 0.002278695028483509 | 0.001105841373467524 | 0.0008211117294122153 | 0.004990476594634703 | - | 0 | 0 | 0.002296958031787819
1000 | Hotels,motels et pensions | 0.04654630722251676 | 0 | 0.004427257986847251 | 0.05719607524642145 | 0.0014179538552263119 | 0.10966146396326794 | 0.07451702839936827 | 0 | 0 | 0.036762224339687156
1100 | Transport | 0.12132581609365767 | 0.0885661733014397 | 0.025055926364401102 | 0.0034716514389078945 | 0.03769349988718208 | 0.004663539239277723 | - | 0 | 0 | 0.03374968570584187
1200 | Immobilier résidentiel | 0.11088939434534838 | 0.1806399648176788 | 0.15745296522178487 | 0.0095206687225553 | 0.06751603600014411 | 0.05240265533740463 | 0.6246176228643258 | 0 | 0.26042241782000936 | 0.0969953115900552
1300 | Immobilier commercial | 0.08791765240177328 | 0.01726124885490172 | 0.09806535541215239 | 0.05616735452411892 | 0.17339247357435897 | 0.02471066755125337 | 0.25888412868740474 | 0 | 0.0036326631921786354 | 0.10218000712360417
1400 | Télécommunications | 0.01517334686284458 | 0 | 0.000495061178522422 | 0.004713825167746182 | 0.005995528904858226 | 0.0051909716973331625 | - | 0 | 0.05093422606793183 | 0.0075537250999887055
1500 | Services financiers | 0.005831751406632121 | 0.0575762000252793 | 0.020458053501529898 | 0.06273987595133083 | 0.10110371123858183 | 0.1881949660413666 | - | 0.14177051628914492 | 0.20024975364272352 | 0.07541247055604293
1510 | Services professionnels | 0.06841242966839396 | 0.0161609368444131 | 0.011954998267962366 | 0.02416964021282759 | 0.012090697889894446 | 0.0238865878135449 | 0 | 0 | 0.021155981419462178 | 0.024464136976738063
1520 | Services médicaux | 0 | 0.000508461488805568 | 0.00046269818796089787 | 0.0015432989553929208 | 0.0007177781875637468 | 0.005903141741194392 | 0 | 0 | 0.00029295670904666413 | 0.001208964617495121
1530 | Services d'agence ou de représentation | 3.093545549037827e-05 | 0.0005508741523906338 | 0.0003370472487338379 | 0.0011073106345457066 | 0.0005346701749368334 | 0.0021785131936300404 | 0 | 0 | 0 | 0.0007012658485285028
1540 | Services d'enseignement | 0.0018216194748953457 | 0 | 0.0017191165031904601 | 0.005717511325708676 | 0.00024160385797190187 | 0.002102497466238693 | 0 | 0 | 0.002429609102390301 | 0.0023824745664534513
1550 | Autres services | 0.03430643202845758 | 0.010025198155883423 | 0.0012208407848130372 | 0.042182506895458174 | 0.012228062668372652 | 0.04970022371044029 | 0 | 0 | 0.0036967273516294993 | 0.025354378096620417
1560 | Crédit à la consommation | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.07961129692820189 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706289
Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000004
(1) Commerce de gros
Import-export | 0.0027251323972887773 | 0.022083258848687802 | 0.04033357779816729 | 0.03659357759975257 | 0.053021555227944106 | 0.011836310269001945 | - | 0 | 0 | 0.031093347799534352
Produits pétroliers | 0 | 0 | 0.013132694694672176 | 0.00015367762837090513 | 0.0002452497789160024 | 0.012337124765202746 | - | 0 | 0 | 0.002186830910413939
Produits pharmaceutiques | 0 | 0 | 0 | 0.005389785990928643 | 0.00440317000839035 | 0.0017558740263124177 | - | 0 | 0 | 0.00314176181611033
Produits alimentaires | 0.034616926710713584 | 0.010953642410788179 | 0.04348742130257561 | 0.07415903224592667 | 0.030348706307868987 | 0.0583877406514253 | - | 0.19967502242300816 | 0.0012738787886787362 | 0.04588511227127533
Matériaux de construction | 0 | 0.0650634799961661 | 0.028648124006542958 | 0.015959431951452854 | 0.013860021480681066 | 0.06232340648626735 | - | 0 | 0.008534054285843978 | 0.017692394965068088
Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0
Autres | 0.01562643347261889 | 0.07175030961215124 | 0.0035465352697404574 | 0.03236198174915061 | 0.021177891916572114 | 0.016687638513433176 | - | 0 | 0 | 0.020868056088620402
S-Total | 0.05296849258062125 | 0.1698506908677933 | 0.1291483530716985 | 0.16461748716558225 | 0.12305659472037263 | 0.16332809471164295 | - | 0.19967502242300816 | 0.009807933074522714 | 0.12086750385102242
(2) Commerce de détail
Produits pétroliers | 0.004189111827389048 | 0 | 0.004014391855429044 | 0.0011665486617489463 | 0.0017348770463548853 | 0.004448076738703526 | - | 0 | #DIV/0! | 0.002291940959462693
Produits pharmaceutiques | 0 | 0 | 0.00013860448825868255 | 4.228813123875291e-06 | 0.0001091382580419256 | 0.00019854111903084464 | - | 0 | #DIV/0! | 7.016561637524103e-05
Véhicules automobiles | 0.0010064040855946022 | 0 | 0.003808062353415466 | 0.02559117767420288 | 0.05770788887857303 | 0.04173572831133583 | - | 0 | #DIV/0! | 0.03146258750817694
Produits alimentaires | 0.006525995144565175 | 0 | 0.034025197999337335 | 0.014864306215874888 | 0.036932592501709056 | 0.015352075431168273 | - | 0 | #DIV/0! | 0.022564783579663145
Librairie ,papeterie | 7.397338625677486e-06 | 0 | 0 | 0.0007387266836909887 | 0.002278344910867879 | 7.674797940532204e-07 | - | 0 | #DIV/0! | 0.0009903520984834685
Appareils électro- ménagers électroni.équip. inform. | 0.00018845699482760589 | 0 | 0.004334787407877403 | 0.006619318682956672 | 0.0439714097720231 | 0.04527109446418837 | - | 0 | #DIV/0! | 0.021427657112564898
Matériaux de construction | 0.0034380268119164554 | 0 | 0.0013937354877970889 | 0.00246486645863814 | 0.029527983399700867 | 0 | - | 0 | #DIV/0! | 0.01129155070324652
Autres | 0.03041785394158875 | 0.3498907757718453 | 0.030446787818713128 | 0.07064173196225626 | 0.03125167082124464 | 0.010573392011949513 | - | 0 | #DIV/0! | 0.04263643786962351
S-Total | 0.04577324614450731 | 0.3498907757718453 | 0.07816156741082815 | 0.12209090515249266 | 0.2035139055885154 | 0.11757967555617041 | - | 0 | #DIV/0! | 0.1327354754475964
[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 JUIN 2024
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME
PORTEFEUILLE PRÊTS BRUTS
Classement du Portefeuille
Courant | 14202020.029666 | 162036.3200000003 | 7402325.190620089 | 12357283.75 | 1779420.3547762604 | 44812054.99 | 2859204.919993 | 55444.444659999994 | 0 | 83629789.99971534
A signaler | 4494698.401782481 | 24467.79 | 3315772.9850994223 | 2455729.42 | 601116.091370033 | 7318255.38 | 1769056.2676000001 | 0 | 0 | 19979096.335851938
Restructurés | 6353.362499999999 | 719908.088508146 | 0 | 355499 | 0 | 65281.465647 | 0 | 0 | 1147041.916655146
Faible | 1075319.0078838796 | 8192.07 | 259118.05581411245 | 17878.49 | 131740.421159484 | 185444.95 | 225791.90206 | 0 | 0 | 1903484.896917476
Douteux | 1249924.8739504714 | 3790.03 | 739667.8464472424 | 4547.43 | 17092.2208333675 | 616785.11 | 143531.4834 | 0 | 0 | 2775338.994631081
Perte | 2535699.7168135867 | 1130898.57 | 73314.87566891 | 1636.6 | 52106.281781345 | 16142.82 | 91763.8413 | 0 | 0 | 3901562.705563842
TOTAL | 23564015.39259642 | 1329384.7800000003 | 12510107.04215792 | 14837075.69 | 2936974.3699204903 | 52948683.25000001 | 5154629.880000001 | 55444.444659999994 | 0 | 113336314.84933482
Provisions spécifiques | 3450288.530818836 | 1134799.01335 | 380053.341507787 | 181738.00045745 | 96017.217800476 | 331915.9297 | 238487.88070835 | 0 | 0 | 5813299.914342898
Provisions générales | 153145.75648556938 | 2077.8 | 140473.15891916535 | 147768.48028 | 26421.0348438004 | 560150.687362625 | 26051.030000000002 | 693.05555825 | 0 | 1056781.0034494102
TOTAL 1 | 3603434.287304405 | 1136876.81335 | 520526.5004269524 | 329506.48073744995 | 122438.2526442764 | 892066.617062625 | 264538.91070835 | 693.05555825 | 0 | 6870080.917792309
Portefeuille de Prêts Net | 19960581.105292015 | 192507.9666500003 | 11989580.541730968 | 14507569.20926255 | 2814536.117276214 | 52056616.63293738 | 4890090.969291651 | 54751.38910174999 | 0 | 106466233.93154253
Les prets commerciaux?
87 VS 93 | -1460625.39259642
(En pourcentage)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL
PORTEFEUILLE PRÊTS BRUTS
Classement du Portefeuille
Courant | 0.6026994887351895 | 0.12188820154838863 | 0.5917075821713538 | 0.8328651823437587 | 0.6058685336176198 | 0.8463299224726234 | 0.5546867547341731 | 1 | #DIV/0! | 0.7378904997122039
A signaler | 0.19074416337355946 | 0.018405348374757227 | 0.26504753108231366 | 0.16551303446238602 | 0.20467188870507794 | 0.13821411470133205 | 0.3431975347956505 | 0 | #DIV/0! | 0.1762815066151694
Restructurés | 0.04563394608126653 | 0 | 0.057546117397886475 | 0 | 0.12104259527795064 | 0 | 0.012664627173386886 | 0 | #DIV/0! | 0.010120691838092511
Faible | 0.053043798059272416 | 0.0061623016324889755 | 0.02071269693703725 | 0.0012049874499224856 | 0.04485582935579055 | 0.0035023524404641355 | 0.04380370798999054 | 0 | #DIV/0! | 0.016795013138091702
Douteux | 0.053043798059272416 | 0.002850965391675388 | 0.05912562090433193 | 0.00030649098885873516 | 0.005819669728282382 | 0.011648733682154407 | 0.0278451579922165 | 0 | #DIV/0! | 0.024487641038271942
Perte | 0.10760898236428237 | 0.8506931830526898 | 0.005860451507077082 | 0.00011030475507401013 | 0.017741483315278514 | 0.000304876703425859 | 0.017802217314582435 | 0 | #DIV/0! | 0.03442464765817062
TOTAL | 1.0527741766728427 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1 | #DIV/0! | 1
Provisions spécifiques | 0.14642192654070674 | 0.8536272044200774 | 0.030379703405178062 | 0.01224890970799179 | 0.03269256238115397 | 0.006268634257302327 | 0.0462667322892929 | 0 | #DIV/0! | 0.051292473397170954
Provisions générales | 0.006499136668094618 | 0.0015629786283546888 | 0.011228773538530374 | 0.009959407323074727 | 0.008996004566602898 | 0.010579124030674077 | 0.005053908933612902 | 0.0125 | #DIV/0! | 0.009324292966947588
TOTAL | 0.15292106320880136 | 0.8551901830484321 | 0.041608476943708436 | 0.022208317031066516 | 0.04168856694775687 | 0.016847758287976404 | 0.051320641222905805 | 0.0125 | #DIV/0! | 0.06061676636411854
Portefeuille de Prêts Net | 0.8998531134640413 | 0.14480981695156792 | 0.9583915230562918 | 0.9777916829689335 | 0.9583114330522429 | 0.9831522417120234 | 0.9486793587770942 | 0.9875 | #DIV/0! | 0.9393832336358815
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 JUIN 2024
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME
PORTEFEUILLE PRÊTS BRUTS
Type de Prêts accordés
Prêts Commerciaux | 16557048.09874 | 1109582.06 | 10521572.774941118 | 12875029.32605 | 38977584.8996157 | 47862527.345309995 | 1213624.24 | 55444.444659999994 | 129172413.18931681
Prêts à la Consommation | 4723514.25251 | 30938.08 | 618357.6033929738 | 406840.25033999997 | 2978395.33251759 | 1866495.8672 | 35861.52 | 0 | 10660402.905960564
Prêts au Logement | 2251071.5733499997 | 188864.64 | 1370176.6638238304 | 1555206.11103 | 847445.628537346 | 3219660.0365 | 3904219.98 | 0 | 13336644.633241177
TOTAL | 23531633.9246 | 1329384.7800000003 | 12510107.042157922 | 14837075.68742 | 42803425.86067063 | 52948683.24901 | 5153705.74 | 55444.444659999994 | 153169460.72851858
(En pourcentage)
BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL
PORTEFEUILLE PRÊTS BRUTS
Type de Prêts accordés
Prêts Commerciaux | 0.7036080941847068 | 0.8346583146528876 | 0.8410457831803018 | 0.8677605747449566 | 0.9106183469167065 | 0.9039417868093047 | 0.23548574583538406 | 1 | 0.843330077516335
Prêts à la Consommation | 0.20073039839243936 | 0.023272479469789022 | 0.04942864208189146 | 0.027420514588663188 | 0.06958310631986701 | 0.035251034637105896 | 0.006958394950969784 | 0 | 0.06959874935418968
Prêts au Logement | 0.09566150742285373 | 0.14206920587732316 | 0.10952557473780679 | 0.1048189106663803 | 0.019798546763426485 | 0.06080717855358942 | 0.7575558592136461 | 0 | 0.08707117312947509
TOTAL | 0.9999999999999999 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 0.9999999999999998
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
[suffondspropres]
CIRCULAIRE 88 - SUFFISANCE DES FONDS PROPRES
AU 30 JUIN 2024
BNC | BPH** | BUH | CAPITALBK | SOGEBK | UNIBK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME
Actif bilan et hors bilan net des déductions | 119861460.93502764 | 5783476.709995 | 49011534.579655774 | 52821193 | 185553013.7 | 231652870.888155 | 644683549.8128334 | 11785864.636429701 | 11785864.636429701 | 5010518 | 5010518 | 661479932.4492631
Actif pondéré en fonction des risques | 29897890.69813892 | 1603513.1635556929 | 21256973.891568642 | 28923339.7029 | 64073061.5368 | 76233198.0619149 | 221987977.05487818 | 7879802.97943426 | 7879802.97943426 | 367164.3854639034 | 367164.3854639034 | 230234944.41977632
Fonds propres réglementaires | 7573511.88689 | -384475.21338 | 3633228.36529518 | 7370510 | 11010060.2 | 18295583.4685303 | 47498418.70733548 | 1026086.6128013637 | 1026086.6128013637 | 534782.05 | 534782.05 | 49059287.37013684
Ratio actif / fonds propres | 15.82640427917091 | -15.042521620968168 | 13.489802911321775 | 7.166558759163205 | 16.853042610975006 | 12.661682601520436 | 13.57273710068312 | 11.486227857756178 | 11.486227857756178 | 9.369271089035243 | #DIV/0! | 9.369271089035243 | 13.483276417339814
Ratio fonds propres sur actif à risques | 0.2533125819261034 | -0.23977053766583967 | 0.17091935963360536 | 0.25482914752271835 | 0.1718360249365708 | 0.23999496195438416 | 0.21396842900006824 | 0.13021729292970632 | 0.13021729292970632 | 1.4565193988635792 | #DIV/0! | 1.4565193988635792 | 0.2130835850907558
** | Données au 30 septembre 2023 (BPH)
0 | 0 | 0
[pageint.annexe]
ANNEXE 1
INFORMATION SUR LE CALCUL DES RATIOS FINANCIERS CLÉS
[explication1]
RATIOS FINANCIERS
STRUCTURE FINANCIÈRE
Avoir des actionnaires | Avoir des actionnaires x 100%
en % de l'actif | Actif total
Dépôts en % de l'actif | Dépôts totaux x 100%
Actif total
QUALITÉ DE L'ACTIF
Prêts improductifs bruts | Prêts improductifs x 100%
en % des prêts bruts | Prêts bruts
Provision pour créances douteuses | Provision pour créances douteuses x 100%
en % des prêts improductifs bruts | Prêts improductifs bruts
Prêts improductifs nets | Prêts improductifs nets x 100%
en % de l'avoir des actionnaires | Avoir des actionnaires
[explication2]
RENTABILITÉ
ROA (rendement de l'actif) | Bénéfice net de la période 1 x 100% 2
(Actif de la fin de la période +
actif total du début de la période)/2
ROE ( rendement de l'avoir | Bénéfice net de la période x 100% 2
des actionnaires) | (Avoir des actionnaires de la fin de la période +
avoir des actionnaires du début de la période)/2
(Revenus d'intérêt totaux de la période -
Revenus nets d'intérêt | dépenses d'intérêt totales de la période) x 100%
en % des revenus d'intérêt | Revenus d'intérêts totaux de la période
Rendement moyen des prêts | Revenus d'intérêt sur les prêts de la période x 100% 2
((Prêts bruts du début de la période + prêts bruts
de la fin de la période))/2
Rémunération moyenne des dépôts | Dépenses d'intérêts de la période x 100% 2
(Dépôts totaux du début de la période +
dépôts totaux de la fin de la période)/2
Dépenses d'exploitation
en % du produit net bancaire | Dépenses d'exploitation de la période x 100%
(revenus nets d'intérêts + autres revenus) | Produit net bancaire de la période
Rentabilité par employé | Produit net bancaire de la période x 100% 2
(Produit net bancaire par employé) | (Nombre d'employés du début de la période +
nombre d'employés de la fin de la période)/2
1 Période signifie : trimestre, cumul ou année selon qu'il s'agisse du calcul d'un ratio trimestriel, cumulatif ou annuel.
[Sheet1]
Indicateurs financiers clés
(au 30 septembre ou pour l’exercice terminé le 30 septembre)
(en millions de gourdes) | 2008 | 2009 | 2010 | Var 09-08 | Var 10-09
BILAN
Actif…………………………………………………………………………………………………. | 610202.2479239918 | 635595.1560582457 | 0 | 0.04161392099200678 | -1
Bons BRH …………………………………………………………..……………………….. | 800 | 2550 | 0 | 2.1875 | -1
Prêts nets…………………………………………………………………………………….. | 149514.25956654974 | 135169.2979284033 | 0 | -0.09594376937513038 | -1
Dépôts……………………………………………………………………………………………………………. | 500181.29846679006 | 518509.10245981003 | 0 | 0.03664232159259129 | -1
Avoir des actionnaires……………………………………………………………………………….. | 45142.196479417995 | 51004.77118639 | 0 | 0.12986906185756752 | -1
RÉSULTATS
Revenus nets d’intérêt………………………………………………………………………………… | 16517.934088884474 | 23124.85442381504 | 16780.52711152756 | 0.39998466511478603 | -0.27435101627077907
Autres revenus ……………………………………………………………………………………………. | 16014.175914634172 | 16533.585366275754 | 10400.542370403786 | 0.032434354062948145 | -0.3709445265502903
Dotation à la Provision pour Créances douteuses …………………………….. | 2465.404070704308 | 2684.8216542076243 | 2691.337811985111 | 0.08899862951902793 | 0.002427035616043405
Frais d’exploitation …………………………………………………………………………………….. | 19577.334558920058 | 24885.3690903683 | 18990.097828514437 | 0.2711316249652449 | -0.2368970795830222
Bénéfice net (perte nette) ………………………………………………………………………….. | 9095.616732913964 | 9960.411650776854 | 4423.039680365652 | 0.09507820560792646 | -0.5559380640637799
(en pourcentage)
STRUCTURE FINANCIÈRE
Avoir des actionnaires en % de l’actif…………………………………………………………. | #REF! | #REF! | 0.08499088137634617
Dépôts en % de l’actif…………………………………………………………………………………….. | #REF! | #REF! | 0.8092478228074719
QUALITÉ DE L’ACTIF
Prêts improductifs bruts en % des prêts bruts …………………………………………… | #REF! | #REF! | 0.08773775090068439
Provisions pour créances douteuses en % des
prêts improductifs bruts ………………………………………………………………………………………………………………………. | #REF! | #REF! | 0.8470827182282726
Prêts improductifs nets en % de l’avoir des actionnaires ……………………… | #REF! | #REF! | 0.03415173528722914
RENTABILITÉ
Rendement de l’actif (ROA)…………………………………………………………………………….. | #REF! | #REF! | 0.011901568917852342
Rendement de l’avoir des actionnaires (ROE) ……………………………………………. | #REF! | #REF! | 0.14406869769835712
Revenus nets d’intérêts en % des revenus d’intérêt………………………………….. | #REF! | #REF! | 0.8459431221062926
Rendement moyen des prêts………………………………………………………………………….. | #REF! | #REF! | 0.12178027234709556
Rémunération moyenne des dépôts a………………………………………………………………………………………. | #REF! | #REF! | 0.008130967223841521
Dépenses d’exploitation en % du produit net bancaire …………………………….. | #REF! | #REF! | 0.6517450692029306
Produit net bancaire par employé (en milliers de gourdes)………………………….. | #REF! | #REF! | 7823.642983708192
Nombre d’employés……………………………………………………………………………………………… | #REF! | #REF! | #REF!
Indicateurs financiers clés pour les trois plus grandes banques du système
(au 30 septembre ou pour l’exercice terminé le 30 septembre)
(en millions de gourdes) | 2008 | 2009 | 2010 | Var 09-08 | Var 10-09
Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC
BILAN
Actif………………………………………………………… | 156974.59389408998 | 218706.70719635114 | 120274.65500213 | 166710.26234178702 | 232383.40753702095 | 118159.28699713001 | 0 | 0 | 0 | 0.0620206633836915 | 0.06253443488768307 | -0.017587811870776404 | -1 | -1 | -1
Bons BRH ………………………………………………. | 0 | 0 | 800 | 2000 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | -1 | -1 | #DIV/0! | #DIV/0!
Prêts nets………………………………………………… | 39968.23737019 | 52219.58149296001 | 22033.575 | 35159.796225317004 | 49966.146876399995 | 19908.57 | 0 | 0 | 0 | -0.12030655994000206 | -0.04315305776366307 | -0.09644394974487802 | -1 | -1 | -1
Dépôts………………………………………………………… | 129332.2953760914 | 187147.9267207068 | 92094.057 | 139060.4658677532 | 193362.64802974672 | 92208.311 | 0 | 0 | 0 | 0.07521841674094465 | 0.03320753490534023 | 0.001240622942694447 | -1 | -1 | -1
Avoir des actionnaires…………………………… | 9676.881012829997 | 16466.37196907 | 9842.604 | 11096.548763020004 | 19405.385009920003 | 11461.524 | 0 | 0 | 0 | 0.1467071619778888 | 0.17848576762207036 | 0.1644808629911354 | -1 | -1 | -1
RÉSULTATS
Revenus nets d’intérêt………………………………………………… | 4821.039630389999 | 3905.58767023 | 4110.9630114 | 5408.35053853 | 7230.70382645 | 5543.912 | 3319.2314189500003 | 6176.478284594 | 4375.769 | 0.12182246012619702 | 0.8513740919363828 | 0.34856771628115557 | -0.38627657447437325 | -0.14579846819332165 | -0.2107073488900978
Autres revenus …………………………………………………………… | 3528.4786337100004 | 7132.795236020001 | 1421.248 | 3903.8771730500002 | 8152.50087599 | 989.751 | 2645.2078474000004 | 3961.71878035 | 872.51 | 0.10639104790193632 | 0.14296017286751406 | -0.3036042970684919 | -0.32241519644600736 | -0.5140486532153965 | -0.11845504576403554
Dotation à la Provision pour Créances douteuses ………… | 1815.83361457 | -186.42586183 | 430 | 1831.5841670700001 | 521.40126045 | 640 | 874.1826108399998 | 821.6979608200002 | 770 | 0.008674006458311956 | -3.7968290200286745 | 0.4883720930232558 | -0.5227177508099796 | 0.203125
Frais d’exploitation ………………………………………………… | 4474.79524361 | 6324.61240327 | 3600.05 | 5648.501279810001 | 8496.644744 | 4323.794 | 4256.257322580001 | 6924.121817639999 | 3290.146 | 0.2622926798440779 | 0.3434253677912338 | 0.2010372078165581 | -0.24648024108738997 | -0.18507575328137083 | -0.2390604177719844
Bénéfice net (perte nette) …………………………………….. | 1557.889405919998 | 4471.4245174200005 | 1502.1610114000002 | 1304.36991861 | 5314.029670250003 | 1569.869 | 579.0393329300005 | 1813.291316804001 | 1188.133 | -0.16273266019180876 | 0.1884422178094114 | 0.045073722514536785 | -0.5560773637381542 | -0.6587728279058154 | -0.24316423854474478
Comment citer
Banque de la République d'Haïti (BRH), Rapports statistiques sur le système bancaire, juin 2024, https://www.brh.ht/wp-content/uploads/rap-stats-trim-3-24.xlsx