(2024-12) Banking System Statistical Report, December 2024

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 1 2025 (1er octobre au 31 décembre 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 décembre 2024 | 39 Ratios financiers clés septembre 2024 | 40 Ratios financiers clés juin 2024 | 41 Ratios financiers clés mars 2024 | 42 Ratios financiers clés décembre 2023 | 43 Ratios financiers clés septembre 2023 | 44 Ratios financiers clés juin 2023 | 45 Ratios financiers clés mars 2023 | 46 Ratios financiers clés décembre 2022 | 47 Ratios financiers clés septembre 2022 | 48 Ratios financiers clés juin 2022 | 49 Ratios financiers clés mars 2022 | 50 Ratios financiers clés décembre 2021 | 51 Ratios financiers clés septembre 2021 | 52 Ratios financiers clés juin 2021 | 53 Ratios financiers clés mars 2021 | 54 Ratios financiers clés décembre 2020 | 55 Ratios financiers clés septembre 2020 | 56 Ratios financiers clés juin 2020 | 57 Bilan au 31 décembre 2024 Gourdes et devises | 58 Devises seulement | 59 Gourdes seulement | 60 Bilan au 30 septembre 2024 | 61 Bilan au 30 juin 2024 | 62 Bilan au 31 mars 2024 | 63 Bilan au 31 décembre 2023 | 64 Bilan au 30 septembre 2023 | 65 Bilan au 30 juin 2023 | 66 Bilan au 31 mars 2023 | 67 Bilan au 31 décembre 2022 | 68 Bilan au 30 septembre 2022 | 69 Bilan au 30 juin 2022 | 70 Bilan au 31 mars 2022 | 71 Bilan au 31 décembre 2021 | 72 Bilan au 30 septembre 2021 | 73 Bilan au 30 juin 2021 | 74 Bilan au 31 mars 2021 | 75 Bilan au 31 décembre 2020 | 76 Bilan au 30 septembre 2020 | 77 Résultats (Trim. 2 2024/ Trim. 2 2023) | 78 Résultats (Cumul oct.-mars. 24 / Cumul oct. -mars. 23) | 79 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 80 BPH (Banque Populaire Haïtienne) | 86 BUH (Banque de l'Union Haïtienne) | 92 CAPITALBK (Capital Bank) | 98 CBNA (Citibank N.A.) | 104 SOGEBK (Société Générale Haïtienne de Banque) | 110 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 116 UNIBK (Unibank) | 122 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 123 Limites relatives à la concentration des risques de crédit | 124 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 1 2025 et TRIM 1 2024 doivent être lues comme étant le premier trimestre de l'exercice fiscal 2024-2025 (1er octobre au 31 décembre 2024) et premier trimestre de l'exercice fiscal 2023-2024 (1er octobre au 31 décembre 2023). Les périodes CUMUL 2025 et CUMUL 2024 doivent être lues respectivement comme période cumulative allant du 1er octobre au 31 décembre 2024 et période cumulative allant du 1er octobre au 31 décembre 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 Sept. 2024 | 768 | 140 | 465 | 1084 | 1540 | 731 | 73 | 11 | 0 | 4812 Déc. 2024 | 772 | 139 | 467 | 1090 | 1527 | 781 | 75 | 9 | 0 | 4860 [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 Sept. 24 | 27237 | 178 | 444 | 15977 | 8424 | 2028 | 400 | 1 | 54689 Déc. 24 | 25924 | 176 | 442 | 14433 | 8013 | 0 | 400 | 0 | 49388 Mars98 | Juin 98 1327 | 1348 1050 | 1028 875 | 869 862 | 954 664 624 | 645 496 | 518 278 | 1539 171 | 186 103 12 | 22 0 | 636 0 0 | 2545 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 Décembre 2024 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38749 | 3255 | 10995 | 24882 | 56336 | 11905 | 3759 | 0 | 149881 Épargne | 501777 | 9561 | 94381 | 721850 | 1264035 | 143637 | 3544 | 0 | 2738785 À Terme | 3057 | 114 | 800 | 10561 | 4330 | 618 | 770 | 0 | 20250 TOTAL | 543583 | 12930 | 106176 | 757293 | 1324701 | 156160 | 8073 | 0 | 2908916 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 Septembre 2024 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 38811 | 3389 | 11093 | 25085 | 56582 | 11780 | 3782 | 105 | 150627 Épargne | 505556 | 9470 | 93152 | 709389 | 1264462 | 139563 | 3521 | 23 | 2725136 À Terme | 3079 | 115 | 794 | 10589 | 4317 | 621 | 762 | 5 | 20282 TOTAL | 547446 | 12974 | 105039 | 745063 | 1325361 | 151964 | 8065 | 133 | 2896045 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 [dépôts P-AU-P et Prov.] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 31 Décembre 2024 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 37749349.413669914 | 1993650.96867 | 14367250.239375869 | 16848185 | 60939979.99179002 | 82768896.78081661 | 3747801.5090399995 | 3 | 0 | 218415116.90336242 Épargne | 21214465.305479065 | 600010.13213 | 6057675.641434288 | 9139389 | 30856477.082689997 | 51999523.756749995 | 1236946.27611 | 0 | 0 | 121104487.19459334 À terme | 9925171.565026661 | 2187646.1214300003 | 10970243.721954754 | 10210869 | 20568748.710389994 | 31956706.911709998 | 2987499.0154100005 | 0 | 0 | 88806885.04592142 TOTAL | 68888986.28417563 | 4781307.22223 | 31395169.602764912 | 36198443 | 112365205.78487 | 166725127.4492766 | 7972246.800559999 | 3 | 0 | 428326489.14387715 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 31 Décembre 2024 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 8373297.588175464 | N/A | 2167729.8594273217 | 2042507 | 12125607.85615 | 12660021.481720002 | N/A | N/A | N/A | 37369163.78547279 Épargne | 18559613.69766741 | N/A | 2710882.447308292 | 2641729 | 17809671.28553 | 23917204.849589992 | N/A | N/A | N/A | 65639101.2800957 À terme | 2424514.433575342 | N/A | 1442438.2398507441 | 138851 | 4494869.57413 | 2217630.79062 | N/A | N/A | N/A | 10718304.038176086 | 8002.171712519601 TOTAL | 29357425.719418216 | N/A | 6321050.546586359 | 4823087 | 34430148.71581 | 38794857.121929996 | N/A | N/A | N/A | 113726569.10374457 | 0 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 31 Décembre 2024 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 46122647.001845375 | 1993650.96867 | 16534980.09880319 | 18890692 | 73065587.84794001 | 95428918.26253662 | 3747801.5090399995 | 3 | 0 | 255784280.68883517 Épargne | 39774079.00314647 | 600010.13213 | 8768558.08874258 | 11781118 | 48666148.36822 | 75916728.60633999 | 1236946.27611 | 0 | 0 | 186743588.47468904 À terme | 12349685.998602003 | 2187646.1214300003 | 12412681.961805498 | 10349720 | 25063618.284519993 | 34174337.70233 | 2987499.0154100005 | 0 | 0 | 99525189.0840975 TOTAL | 98246412.00359385 | 4781307.22223 | 37716220.14935127 | 41021530 | 146795354.50068 | 205519984.5712066 | 7972246.800559999 | 3 | 0 | 542053058.2476218 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 31 Décembre 2024 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 17935712 | 257928.8123 | 748462.013649542 | 13975827.29291 | 3157932.9595066053 | 1408035 | 2712154.3833799995 | 3 | 40196055.461746156 Place Geffrard | 0 | 0 | 0 | 2820056.50408 | 0 | 0 | 0 | 0 | 2820056.50408 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée | 681733.411016113 | 0 | 0 | 2300570.54889 | 0 | 0 | 0 | 0 | 2982303.9599061133 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 681733.411016113 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 681733.411016113 Delmas | 3682518.610448122 | 38855.1332 | 1812063.20020277 | 7687019.89407 | 12870454.813010002 | 1801471 | 318425.11349 | 0 | 28210807.764420897 Delmas 52 | 2527532.3198705157 | 0 | 0 | 0 | 0 | 0 | 0 | 2527532.3198705157 Delmas 2 | 374405.8559410421 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 374405.8559410421 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1449657 | 0 | 0 | 1449657 Delmas 32 | 780580.434636564 | 0 | 0 | 0 | 2166085.4816300003 | 0 | 0 | 0 | 2946665.9162665643 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 351814 | 318425.11349 | 0 | 670239.11349 Delmas 48 | 0 | 0 | 0 | 1203559.8515 | 0 | 0 | 0 | 0 | 1203559.8515 Delmas-Aéroport | 0 | 0 | 0 | 6483460.0425700005 | 0 | 0 | 0 | 0 | 6483460.0425700005 Delmas 16 | 0 | 0 | 0 | 0 | 3414197.15874 | 0 | 0 | 0 | 3414197.15874 Delmas 18 | 2727407.10821 | 2727407.10821 Delmas 71 | 0 | 0 | 560.12937666 | 0 | 4441568.74368 | 0 | 0 | 0 | 4442128.87305666 Kiosque Mégamart | 0 | 0 | 0 | 0 | 10693.08349 | 0 | 0 | 0 | 10693.08349 Delmas 35 | 915427.875608399 Delmas 64 | 896075.1952177109 Delmas 75 | 110503.23726 Pétion-Ville | 7964429.316636239 | 672562.89945 | 5499073.307152074 | 12604241.88911 | 26599857.16079 | 6384971 | 0 | 0 | 59725135.57313831 P-V 1 | 2990264.7889972897 | 672562.89945 | 2720276.836444397 | 2577883.4062500005 | 12720659.714 | 3288032 | 0 | 0 | 24969679.645141687 Place Boyer | 1782267.635347263 | 0 | 113655.472337912 | 0 | 0 | 1723718 | 0 | 0 | 3619641.107685175 Choucoune Plaza | 1503293.51420416 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1503293.51420416 P-V 2 | 0 | 0 | 2208832.156164117 | 0 | 6145703.272770001 | 1373221 | 0 | 0 | 9727756.428934118 P-V 3 | 1688603.378087526 | 0 | 0 | 6698420.555039999 | 4781386.9552299995 | 0 | 0 | 0 | 13168410.888357524 P-V 4 | 0 | 0 | 0 | 3327937.9278200003 | 1674366.5217000002 | 0 | 0 | 0 | 5002304.44952 Juvénat | 456308.84220564703 | 1277740.69709 Lalue | 737283.8495914409 | 0 | 520876.3894093591 | 1703493.5706000002 | 2875836.03473 | 0 | 0 | 0 | 5837489.844330801 Champs de Mars | 0 | 0 | 0 | 1244881.22885 | 0 | 0 | 0 | 0 | 1244881.22885 Laboule | 0 | 0 | 0 | 0 | 766653.0586 | 252966 | 0 | 0 | 1019619.0586 Aéroport | 0 | 246415.79269000003 | 439243.591922335 | 5480629.233530001 | 2717686.6513400003 | 2188703 | 0 | 0 | 11072678.269482337 Aéroport 2 | 0 | 0 | 0 | 1873665.57281 | 0 | 881747 | 0 | 0 | 2755412.57281 Carrefour | 735408.7455696859 | 0 | 194707.60059817298 | 1934254.62741 | 0 | 96581 | 0 | 0 | 2960951.973577859 Arcachon | 265052.176018074 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 265052.176018074 Carrefour | 470356.569551612 | 0 | 0 | 1522683.06176 | 0 | 0 | 0 | 0 | 1993039.631311612 Truitiers | 0 | 0 | 0 | 411571.56565000006 | 0 | 0 | 0 | 0 | 411571.56565000006 Thor | 0 | 0 | 0 | 0 | 1369470.07043 | 0 | 0 | 0 | 1369470.07043 Diquini | 0 | 0 | 0 | 345418.07246 | 0 | 74351 | 0 | 0 | 419769.07246 Rue du Quai | 0 | 0 | 0 | 165667.38445 | 0 | 0 | 0 | 0 | 165667.38445 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 374152.31729 | 0 | 0 | 0 | 374152.31729 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 599011 | 0 | 0 | 599011 Parc Industriel | 2249840.7959992657 | 764879.4495100001 | 3457587.723879354 | 0 | 0 | 0 | 0 | 0 | 6472307.96938862 Varreux | 0 | 0 | 0 | 0 | 7086495.86414 | 164738 | 0 | 0 | 7251233.86414 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 986371.7291200001 | 0 | 0 | 0 | 986371.7291200001 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 227.69389999999999 | 0 | 0 | 0 | 227.69389999999999 Canapé-Vert | 0 | 0 | 0 | 0 | 1000861.6659400001 | 0 | 0 | 0 | 1000861.6659400001 Rue Capois | 0 | 0 | 0 | 0 | 1142385.68874 | 0 | 0 | 0 | 1142385.68874 Damien | 210197.77078448897 | 0 | 119104.055418148 | 1135416.3893 | 3432103.6633099997 | 0 | 0 | 0 | 4896821.878812637 Frères | 377407.688831917 | 0 | 446907.197848265 | 1792801.1542600002 | 2530236.18816 | 6945 | 0 | 0 | 5154297.229100183 Portail Léogane | 0 | 0 | 0 | 149770.6095 | 298092.54072000005 | 0 | 0 | 0 | 447863.15022000007 Croix des Bossales | 0 | 0 | 0 | 0 | 75806.29995 | 0 | 0 | 0 | 75806.29995 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 1764412.22826 | 0 | 0 | 0 | 1764412.22826 Martissant | 0 | 0 | 0 | 418273.9535200001 | 875618.28573 | 0 | 0 | 0 | 1293892.23925 Nazon | 0 | 0 | 0 | 0 | 697381.86748 | 0 | 0 | 0 | 697381.86748 Croix des Bouquets | 239861.893690148 | 0 | 0 | 200558.78560000003 | 1008889.6013 | 0 | 0 | 0 | 1449310.280590148 Lathan | 0 | 0 | 0 | 517981.14320999995 | 536319.27461 | 0 | 0 | 0 | 1054300.4178199999 Turgeau | 636362.042666033 | 0 | 0 | 3743571.10295 | 4037074.32013 | 0 | 717222.0121700001 | 0 | 9134229.477916034 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 594296.185816458 | 13008.881519999999 | 974144.565182989 | 845881.03428 | 2620435.4099500002 | 1702012 | 0 | 0 | 6749778.076749448 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 1647574.1156799998 | . | 0 | 0 | 1647574.1156799998 Avenue Christophe | 0 | 0 | 0 | 0 | 1618415.5831600002 | 0 | 0 | 0 | 1618415.5831600002 Autres succursales non précisées | 1704297.1026200003 | 0 | 155080.59411285902 | 0 | 678151.69484 | 1286654 | 0 | 0 | 3824183.391572859 TOTAL | 37749349.413669914 | 1993650.96867 | 14367250.239375869 | 60939979.99179002 | 82768896.78081661 | 16848185 | 3747801.5090399995 | 3 | 218415116.90336242 #REF! | 0 VILLES DE PROVINCES Aquin | 154192.68834638 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 154192.68834638 Jacmel | 455607.11132545996 | 0 | 0 | 1310917.83994 | 806507.3740699999 | 331383 | 0 | 0 | 2904415.32533546 Hinche | 575833.872252743 | 0 | 0 | 355219.49458 | 1277011.4869900001 | 231309 | 0 | 0 | 2439373.853822743 Cap-Haïtien | 672493.539948704 | 0 | 1065478.815116442 | 2567453.1460300004 | 3116534.54473 | 537311 | 0 | 0 | 7959271.045825146 Cap-Haïtien 1 | 672493.539948704 | 0 | 843399.23025457 | 1467315.40093 | 2110776.30603 | 442027 | 0 | 0 | 5536011.477163274 Cap-Haïtien 2 | 0 | 0 | 222079.58486187196 | 1100137.7451000002 | 1005758.2387 | 95284 | 0 | 0 | 2423259.5686618723 Cayes | 1235206.613658241 | 0 | 172579.955383448 | 1751832.64182 | 1904059.55441 | 505350 | 0 | 0 | 5569028.765271689 Cayes 1 | 996069.652775093 | 0 | 172579.955383448 | 0 | 1440294.17424 | 0 | 0 | 0 | 2608943.782398541 Cayes 2 | 239136.960883148 | 0 | 0 | 0 | 463765.38016999996 | 0 | 0 | 0 | 702902.341053148 Cabaret | 310585.196409747 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 310585.196409747 Cap Saint-Michel | 0 | 0 | 0 | 299754.86781 | 0 | 0 | 0 | 0 | 299754.86781 Ouanaminthe | 154111.517188151 | 0 | 88444.41327240798 | 358569.82222 | 321717.18358 | 0 | 0 | 0 | 922842.9362605589 Fort-Liberté | 467368.028391423 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 467368.028391423 Gonaïves | 638568.655032956 | 0 | 283033.110356763 | 1085760.55541 | 938585.9362900001 | 227041 | 0 | 0 | 3172989.257089719 Port-de-Paix | 817900.709339287 | 0 | 195505.94809069097 | 260794.97451 | 489817.39612 | 0 | 0 | 0 | 1764019.028059978 Petit-Goave | 249453.27913022798 | 0 | 0 | 168635.84775 | 290145.19937 | 0 | 0 | 0 | 708234.3262502279 Miragoane | 452160.358443098 | 0 | 0 | 406277.90748 | 277705.34158000007 | 0 | 0 | 0 | 1136143.607503098 Mirebalais | 0 | 0 | 0 | 593302.65216 | 786407.6938499999 | 0 | 0 | 0 | 1379710.34601 Jérémie | 387961.877992313 | 0 | 0 | 498605.5097599999 | 470936.65157 | 0 | 0 | 0 | 1357504.039322313 La Gonave | 0 | 0 | 0 | 0 | 178230.17356999998 | 0 | 0 | 0 | 178230.17356999998 Léogane | 669152.430958343 | 0 | 0 | 924499.28486 | 601651.04072 | 0 | 0 | 0 | 2195302.756538343 Fonds-des-Nègres | 261966.21117621602 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 261966.21117621602 Limbé | 0 | 0 | 0 | 0 | 106317.64171000001 | 0 | 0 | 0 | 106317.64171000001 Vertières | 279364.262786093 | 0 | 0 | 450051.29757999995 | 375132.9246900001 | 62603 | 0 | 0 | 1167151.485056093 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 2142.137682643 St-Marc | 369503.94501680497 | 0 | 362687.61720757 | 1093932.01424 | 719261.3384700001 | 147510 | 0 | 0 | 2692894.9149343753 Belladerre | 219725.153096634 TOTAL | 8373297.588175464 | 0 | 2167729.8594273217 | 12125607.85615 | 12660021.481720002 | 2042507 | 0 | 0 | 37369163.78547279 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 | 46122647.001845375 | 1993650.96867 | 16534980.09880319 | 73065587.84794001 | 95428918.26253662 | 18890692 | 3747801.5090399995 | 3 | 255784280.6888352 0 | 0 0 | 18890692 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 31 Décembre 2024 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 3367912.818961596 | 169605.11285 | 320777.232926499 | 3062388.68446 | 2363091.41046 | 992249 | 853706.25653 | 0 | 11129730.516188094 Place Geffrard | 0 | 0 | 0 | 3053221.34579 | 0 | 0 | 0 | 0 | 3053221.34579 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 1294002.536690864 | 0 | 0 | 1045942.5166400002 | 0 | 0 | 0 | 0 | 2339945.0533308643 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 1294002.536690864 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1294002.536690864 Delmas | 3779702.781508374 | 59708.258239999996 | 619432.797087342 | 2505362.67081 | 7800648.29755 | 1493306 | 65501.34408 | 0 | 16323662.149275715 Delmas 52 | 1427356.078850002 | 0 | 0 | 0 | 0 | 0 | 0 | 1427356.078850002 Delmas 2 | 1451250.506932308 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1451250.506932308 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 1026572 | 0 | 0 | 1026572 Delmas 32 | 901096.1957260639 | 0 | 0 | 0 | 3269670.42704 | 0 | 0 | 0 | 4170766.622766064 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 466734 | 65501.34408 | 0 | 532235.34408 Delmas 48 | 0 | 0 | 0 | 1007991.92678 | 0 | 0 | 0 | 0 | 1007991.92678 Delmas-Aéroport | 0 | 0 | 0 | 1497370.74403 | 0 | 0 | 0 | 0 | 1497370.74403 Delmas 16 | 0 | 0 | 0 | 0 | 1560480.4963900002 | 0 | 0 | 0 | 1560480.4963900002 Delmas 18 | 599290.00879 | 599290.00879 Delmas 71 | 0 | 0 | 1978.591823449 | 0 | 2145426.81303 | 0 | 0 | 0 | 2147405.4048534487 Kiosque Mégamart | 0 | 0 | 0 | 0 | 37596.09244 | 0 | 0 | 0 | 37596.09244 Delmas 35 | 309125.72277573 Delmas 64 | 308328.482488163 Delmas 75 | 188184.45985999997 Pétion-Ville | 4160183.3212878206 | 144503.62581 | 2390566.0623566993 | 4938053.73409 | 8368181.377149999 | 2608353 | 0 | 0 | 22609841.120694518 P-V 1 | 1846621.5230848002 | 144503.62581 | 1125371.916259047 | 1754778.01492 | 4085349.16846 | 1076174 | 0 | 0 | 10032798.248533847 Place Boyer | 1064514.9605872359 | 0 | 160757.712433857 | 0 | 0 | 692610 | 0 | 0 | 1917882.6730210928 Choucoune Plaza | 1143120.955295879 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1143120.955295879 P-V 2 | 0 | 0 | 677134.9390270801 | 0 | 1966176.09209 | 839569 | 0 | 0 | 3482880.03111708 P-V 3 | 105925.882319906 | 0 | 0 | 2180262.17006 | 1392193.3538499998 | 0 | 0 | 0 | 3678381.406229906 P-V 4 | 0 | 0 | 0 | 1003013.54911 | 629260.31961 | 0 | 0 | 0 | 1632273.8687200001 Juvénat | 427301.49463671504 | 295202.44314 Lalue | 1142285.738002534 | 0 | 487723.818545609 | 1552000.23563 | 2286354.44011 | 0 | 0 | 0 | 5468364.232288143 Champs de Mars | 0 | 0 | 0 | 924529.4819 | 0 | 0 | 0 | 0 | 924529.4819 Laboule | 0 | 0 | 0 | 0 | 738720.93779 | 515740 | 0 | 0 | 1254460.9377899999 Aéroport | 0 | 110369.83299 | 198495.685000855 | 903913.71199 | 829177.6058400001 | 699258 | 0 | 0 | 2741214.835820855 Aéroport 2 | 0 | 0 | 0 | 1278763.4557400001 | 0 | 204666 | 0 | 0 | 1483429.4557400001 Carrefour | 1947522.7107019867 | 0 | 235556.551172672 | 3279231.4709 | 0 | 452697 | 0 | 0 | 5915007.732774658 Arcachon | 1053236.5213308758 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1053236.5213308758 Carrefour | 894286.1893711109 | 0 | 0 | 2224477.88779 | 0 | 0 | 0 | 0 | 3118764.077161111 Truitiers | 0 | 0 | 0 | 1054753.58311 | 0 | 0 | 0 | 0 | 1054753.58311 Thor | 0 | 0 | 0 | 0 | 3321936.0200300002 | 0 | 0 | 0 | 3321936.0200300002 Diquini | 0 | 0 | 0 | 941346.5508099999 | 0 | 385760 | 0 | 0 | 1327106.55081 Rue du Quai | 0 | 0 | 0 | 274240.47806 | 0 | 0 | 0 | 0 | 274240.47806 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 312251.70956 | 0 | 0 | 0 | 312251.70956 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 662705 | 0 | 0 | 662705 Parc Industriel | 1319222.9249083248 | 82997.32836 | 716039.11898315 | 0 | 0 | 0 | 0 | 0 | 2118259.3722514748 Varreux | 0 | 0 | 0 | 0 | 2194342.8634499996 | 134905 | 0 | 0 | 2329247.8634499996 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 1104822.27622 | 0 | 0 | 0 | 1104822.27622 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 75400.23848999999 | 0 | 0 | 0 | 75400.23848999999 Canapé-Vert | 0 | 0 | 0 | 0 | 1144318.19107 | 0 | 0 | 0 | 1144318.19107 Rue Capois | 0 | 0 | 0 | 0 | 1906205.6764 | 0 | 0 | 0 | 1906205.6764 Damien | 828265.479947225 | 0 | 157846.600747611 | 1044525.97327 | 2226996.25723 | 0 | 0 | 0 | 4257634.311194836 Frères | 489244.26232838305 | 0 | 354853.408353486 | 1497289.95606 | 2440154.8652100004 | 9952 | 0 | 0 | 4791494.49195187 Portail Léogane | 0 | 0 | 0 | 381625.85789 | 1045601.54931 | 0 | 0 | 0 | 1427227.4072 Croix des Bossales | 0 | 0 | 0 | 0 | 392265.55863 | 0 | 0 | 0 | 392265.55863 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 658466.88627 | 0 | 0 | 0 | 658466.88627 Martissant | 0 | 0 | 0 | 0 | 1395232.49501 | 0 | 0 | 0 | 1395232.49501 Nazon | 0 | 0 | 0 | 0 | 1079186.49368 | 0 | 0 | 0 | 1079186.49368 Croix des Bouquets | 975247.409051207 | 0 | 0 | 651869.0398399999 | 1770336.42713 | 0 | 0 | 0 | 3397452.876021207 Lathan | 0 | 0 | 0 | 1027685.7363900001 | 1258411.43079 | 0 | 0 | 0 | 2286097.16718 Turgeau | 1115687.299607654 | 0 | 0 | 1789986.11739 | 2418374.92143 | 0 | 317738.6755 | 0 | 5641787.013927654 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 795188.0224830981 | 32825.97388 | 396480.717716295 | 704500.0650299999 | 2780836.26652 | 616770 | 0 | 0 | 5326601.045629393 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 576990.26459 | . | 0 | 0 | 576990.26459 Avenue Christophe | 0 | 0 | 0 | 0 | 901964.40999 | 0 | 0 | 0 | 901964.40999 Autres succursales non précisées | 0 | 0 | 179903.64854406798 | 0 | 609254.88684 | 363028 | 0 | 0 | 1152186.535384068 TOTAL | 21214465.305479065 | 600010.13213 | 6057675.641434288 | 30856477.082689997 | 51999523.756749995 | 9139389 | 1236946.27611 | 0 | 121104487.19459334 #REF! | 0 VILLES DE PROVINCES Aquin | 1364447.458087019 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1364447.458087019 Jacmel | 906641.770996142 | 0 | 0 | 1418075.4426399998 | 1555739.78845 | 334019 | 0 | 0 | 4214476.002086142 Hinche | 891149.9314014239 | 0 | 0 | 367496.03757 | 714220.25205 | 414612 | 0 | 0 | 2387478.221021424 Cap-Haïtien | 1589707.090978054 | 0 | 962096.584794292 | 3898109.25127 | 4562034.67481 | 701684 | 0 | 0 | 11713631.601852346 Cap-Haïtien 1 | 1589707.090978054 | 0 | 799466.715736084 | 2665452.23843 | 2266211.44945 | 568669 | 0 | 0 | 7889506.494594138 Cap-Haïtien 2 | 0 | 0 | 162629.869058208 | 1232657.0128400002 | 2295823.22536 | 133015 | 0 | 0 | 3824125.107258208 Cayes | 1685527.2174815838 | 0 | 493624.071691922 | 1821676.73124 | 3337989.31718 | 451828 | 0 | 0 | 7790645.337593505 Cayes 1 | 1259552.791428801 | 0 | 493624.071691922 | 0 | 2521442.4084699997 | 0 | 0 | 0 | 4274619.271590723 Cayes 2 | 425974.42605278303 | 0 | 0 | 0 | 816546.90871 | 0 | 0 | 0 | 1242521.334762783 Cabaret | 1236364.076703703 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1236364.076703703 Cap Saint-Michel | 0 | 0 | 0 | 777467.17462 | 0 | 0 | 0 | 0 | 777467.17462 Ouanaminthe | 257763.763106493 | 0 | 284392.92125213204 | 659083.66827 | 802265.0204200001 | 0 | 0 | 0 | 2003505.373048625 Fort-Liberté | 490474.170993268 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 490474.170993268 Gonaïves | 1499596.888397676 | 0 | 412040.12023726 | 1779926.77803 | 2169910.72247 | 326236 | 0 | 0 | 6187710.509134935 Port-de-Paix | 1462100.438984131 | 0 | 390870.624560337 | 796107.45271 | 1292009.74363 | 0 | 0 | 0 | 3941088.259884468 Petit-Goave | 838977.5149938879 | 0 | 0 | 713466.23149 | 837339.6084200001 | 0 | 0 | 0 | 2389783.354903888 Miragoane | 628064.814247714 | 0 | 0 | 1196268.0110700002 | 1024275.47635 | 0 | 0 | 0 | 2848608.3016677145 Mirebalais | 0 | 0 | 0 | 862660.73861 | 953194.25236 | 0 | 0 | 0 | 1815854.9909700002 Jérémie | 758471.6947951891 | 0 | 0 | 574734.183 | 893898.8559699999 | 0 | 0 | 0 | 2227104.733765189 La Gonave | 0 | 0 | 0 | 0 | 1041109.06175 | 0 | 0 | 0 | 1041109.06175 Léogane | 1581693.3457095919 | 0 | 0 | 1007520.8452999999 | 777843.64817 | 0 | 0 | 0 | 3367057.8391795917 Fonds-des-Nègres | 748260.160934706 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 748260.160934706 Limbé | 0 | 0 | 0 | 0 | 839190.0905699999 | 0 | 0 | 0 | 839190.0905699999 Vertières | 408319.564947348 | 0 | 0 | 364719.97153999994 | 1188759.4808899998 | 179228 | 0 | 0 | 2141027.0173773477 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 26831.808232892996 St-Marc | 1864687.874937913 | 0 | 167858.124772349 | 1572358.76817 | 1927424.8561 | 234122 | 0 | 0 | 5766451.623980261 Belladerre | 320534.111738672 TOTAL | 18559613.69766741 | 0 | 2710882.447308292 | 17809671.28553 | 23917204.849589992 | 2641729 | 0 | 0 | 65639101.2800957 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 | 39774079.00314647 | 600010.13213 | 8768558.08874258 | 48666148.36822 | 75916728.60633999 | 11781118 | 1236946.27611 | 0 | 186743588.47468904 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) Au 31 Décembre 2024 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1411791.716234134 | 134970.51041 | 84597.807216284 | 9005317.52948 | 5660540.45258 | 2379090 | 2035766.59951 | 0 | 20712074.61543042 Place Geffrard | 0 | 0 | 0 | 550959.67652 | 0 | 0 | 0 | 0 | 550959.67652 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 121232.75783450702 | 0 | 0 | 259828.31637 | 0 | 0 | 0 | 0 | 381061.074204507 Pavée 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Pavée 2 | 121232.75783450702 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 121232.75783450702 Delmas | 839950.721925592 | 830.31438 | 1559669.950320941 | 1826399.1164499999 | 1669636.37391 | 751495 | 621486.70526 | 0 | 7269468.182246533 Delmas 52 | 545887.503272235 | 0 | 0 | 0 | 0 | 0 | 0 | 545887.503272235 Delmas 2 | 201728.679093791 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 201728.679093791 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 537319 | 0 | 0 | 537319 Delmas 32 | 92334.539559566 | 0 | 0 | 0 | 489135.70331 | 0 | 0 | 0 | 581470.242869566 Delmas 55 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 214176 | 621486.70526 | 0 | 835662.70526 Delmas 48 | 0 | 0 | 0 | 193440.49152 | 0 | 0 | 0 | 0 | 193440.49152 Delmas-Aéroport | 0 | 0 | 0 | 1632958.62493 | 0 | 0 | 0 | 0 | 1632958.62493 Delmas 16 | 0 | 0 | 0 | 0 | 206035.24077 | 0 | 0 | 0 | 206035.24077 Delmas 18 | 115734.37619 | 115734.37619 Delmas 71 | 0 | 0 | 0 | 0 | 846013.64876 | 0 | 0 | 0 | 846013.64876 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 541450.5586534719 Delmas 64 | 1018219.3916674689 Delmas 75 | 12717.40488 Pétion-Ville | 5469036.550811726 | 2051041.26793 | 7476333.5370261315 | 3632938.46913 | 15248507.5075 | 3528249 | 0 | 0 | 37406106.332397856 P-V 1 | 196018.92970345897 | 2051041.26793 | 3315508.283822634 | 2330299.8186899996 | 3554978.05338 | 2317457 | 0 | 0 | 13765303.353526093 Place Boyer | 439922.39949991996 | 0 | 290602.454813682 | 0 | 0 | 214232 | 0 | 0 | 944756.854313602 Choucoune Plaza | 1655734.599835443 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1655734.599835443 P-V 2 | 0 | 0 | 3133650.216830036 | 0 | 9995430.54617 | 996560 | 0 | 0 | 14125640.763000036 P-V 3 | 3177360.621772904 | 0 | 0 | 810316.6946300002 | 1618745.0273699998 | 0 | 0 | 0 | 5606422.343772904 P-V 4 | 0 | 0 | 0 | 492321.95581 | 33215.32276 | 0 | 0 | 0 | 525537.27857 Juvénat | 736572.5815597789 | 46138.55782 Lalue | 87213.046396089 | 0 | 70236.511548393 | 409804.78820000007 | 383989.57732 | 0 | 0 | 0 | 951243.923464482 Champs de Mars | 0 | 0 | 0 | 81653.66576 | 0 | 0 | 0 | 0 | 81653.66576 Laboule | 0 | 0 | 0 | 0 | 140748.39698000002 | 153322 | 0 | 0 | 294070.39698 Aéroport | 0 | 303.61775 | 134768.009441714 | 1367001.74014 | 59716.12016 | 920082 | 0 | 0 | 2481871.487491714 Aéroport 2 | 0 | 0 | 0 | 843003.29081 | 0 | 44486 | 0 | 0 | 887489.29081 Carrefour | 255772.562354582 | 0 | 10952.227905553 | 913221.20542 | 0 | 90666 | 0 | 0 | 1270611.995680135 Arcachon | 101999.25446841 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 101999.25446841 Carrefour | 153773.307886172 | 0 | 0 | 821348.72407 | 0 | 0 | 0 | 0 | 975122.031956172 Truitiers | 0 | 0 | 0 | 91872.48134999999 | 0 | 0 | 0 | 0 | 91872.48134999999 Thor | 0 | 0 | 0 | 0 | 450187.23475 | 0 | 0 | 0 | 450187.23475 Diquini | 0 | 0 | 0 | 159875.17969999998 | 0 | 161578 | 0 | 0 | 321453.1797 Rue du Quai | 0 | 0 | 0 | 24611.95684 | 0 | 0 | 0 | 0 | 24611.95684 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 286861.55753 | 0 | 0 | 286861.55753 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 989347 | 0 | 0 | 989347 Parc Industriel | 791001.9499683621 | 500.41096 | 1561116.589631532 | 0 | 0 | 0 | 0 | 0 | 2352618.950559894 Varreux | 0 | 0 | 0 | 0 | 527346.38515 | 2383 | 0 | 0 | 529729.38515 Rue Charéron | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bourdon | 0 | 0 | 0 | 0 | 256514.44353000002 | 0 | 0 | 0 | 256514.44353000002 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 701.92385 | 0 | 0 | 0 | 701.92385 Canapé-Vert | 0 | 0 | 0 | 0 | 15207.16389 | 0 | 0 | 0 | 15207.16389 Rue Capois | 0 | 0 | 0 | 0 | 47452.10264 | 0 | 0 | 0 | 47452.10264 Damien | 233737.18764315697 | 0 | 0 | 245659.38602999997 | 326460.52877 | 0 | 0 | 0 | 805857.1024431569 Frères | 131904.841687528 | 0 | 46591.786652837 | 316928.76713000005 | 638636.8625500001 | 32150 | 0 | 0 | 1166212.2580203651 Portail Léogane | 0 | 0 | 0 | 67756.49432000001 | 23844.1545 | 0 | 0 | 0 | 91600.64882000002 Croix des Bossales | 0 | 0 | 0 | 0 | 267.48251 | 0 | 0 | 0 | 267.48251 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 8723.72506 | 0 | 0 | 0 | 8723.72506 Martissant | 0 | 0 | 0 | 0 | 77392.33804999999 | 0 | 0 | 0 | 77392.33804999999 Nazon | 0 | 0 | 0 | 0 | 119486.66966 | 0 | 0 | 0 | 119486.66966 Croix des Bouquets | 111875.922509374 | 0 | 0 | 99625.35003999999 | 163989.71031999998 | 0 | 0 | 0 | 375490.982869374 Lathan | 0 | 0 | 0 | 128300.02550999999 | 142828.29866 | 0 | 0 | 0 | 271128.32417 Turgeau | 331492.24717806705 | 0 | 0 | 537787.27591 | 4244761.220210001 | 0 | 330245.71064 | 0 | 5444286.453938068 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 140162.06048354297 | 0 | 25977.302211369 | 98076.47662999999 | 265663.05612 | 374534 | 0 | 0 | 904412.8954449119 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 145992.83261 | . | 0 | 0 | 145992.83261 Avenue Christophe | 0 | 0 | 0 | 0 | 107333.91945 | 0 | 0 | 0 | 107333.91945 Autres succursales non précisées | 0 | 0 | 0 | 0 | 943916.8734500001 | 783487 | 0 | 0 | 1727403.87345 TOTAL | 9925171.565026661 | 2187646.1214300003 | 10970243.721954754 | 20568748.710389994 | 31956706.911709998 | 10210869 | 2987499.0154100005 | 0 | 88806885.04592142 #REF! | 0 VILLES DE PROVINCES Aquin | 204452.516563711 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 204452.516563711 Jacmel | 100249.690156461 | 0 | 0 | 91077.81618 | 57502.81781 | 0 | 0 | 0 | 248830.324146461 Hinche | 194996.564783925 | 0 | 0 | 79991.86861 | 16078.519470000001 | 18410 | 0 | 0 | 309476.95286392496 Cap-Haïtien | 282362.87368793 | 0 | 664029.1790280731 | 2435877.25304 | 572106.64096 | 70498 | 0 | 0 | 4024873.9467160027 Cap-Haïtien 1 | 282362.87368793 | 0 | 122389.313088097 | 736427.1227300001 | 210920.00123 | 65195 | 0 | 0 | 1417294.310736027 Cap-Haïtien 2 | 0 | 0 | 541639.8659399761 | 1699450.13031 | 361186.63973000005 | 5303 | 0 | 0 | 2607579.635979976 Cayes | 178830.25188660302 | 0 | 30010.878362338 | 142445.32428 | 340251.1612999999 | 2938 | 0 | 0 | 694475.6158289409 Cayes 1 | 108108.466903374 | 0 | 30010.878362338 | 0 | 306258.18733999995 | 0 | 0 | 0 | 444377.53260571195 Cayes 2 | 70721.784983229 | 0 | 0 | 0 | 33992.97396 | 0 | 0 | 0 | 104714.758943229 Cabaret | 35315.298146344 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35315.298146344 Cap Saint-Michel | 0 | 0 | 0 | 185852.63436000003 | 0 | 0 | 0 | 0 | 185852.63436000003 Ouanaminthe | 1199.424806991 | 0 | 10958.978632715 | 2921.98973 | 26794.55785 | 0 | 0 | 0 | 41874.951019706 Fort-Liberté | 10284.728917187 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10284.728917187 Gonaïves | 220803.77506281598 | 0 | 53881.059770423 | 148440.96437 | 234617.07536000002 | 12853 | 0 | 0 | 670595.874563239 Port-de-Paix | 90150.59625295401 | 0 | 675847.963709304 | 89788.22592 | 151419.27715 | 0 | 0 | 0 | 1007206.063032258 Petit-Goave | 19722.12750187 | 0 | 0 | 44176.39525 | 52854.294400000006 | 0 | 0 | 0 | 116752.81715187 Miragoane | 41489.243688896 | 0 | 0 | 90672.49712999999 | 63328.63961 | 0 | 0 | 0 | 195490.380428896 Mirebalais | 0 | 0 | 0 | 238582.84457999998 | 51565.583340000005 | 0 | 0 | 0 | 290148.42792 Jérémie | 90069.082522854 | 0 | 0 | 33033.823509999995 | 31446.48306 | 0 | 0 | 0 | 154549.389092854 La Gonave | 0 | 0 | 0 | 0 | 43310.86986 | 0 | 0 | 0 | 43310.86986 Léogane | 150550.028682549 | 0 | 0 | 332834.34933 | 107131.37547 | 0 | 0 | 0 | 590515.753482549 Fonds-des-Nègres | 63487.146450777 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 63487.146450777 Limbé | 0 | 0 | 0 | 0 | 38296.39872 | 0 | 0 | 0 | 38296.39872 Vertières | 419530.43428981997 | 0 | 0 | 273894.58814 | 267042.68225 | 31998 | 0 | 0 | 992465.70467982 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ANSE-A-VEAU | 8002.17171252 St-Marc | 299397.951547314 | 0 | 7710.180347891 | 305278.99970000004 | 163884.41400999998 | 2154 | 0 | 0 | 778425.545605205 Belladerre | 13620.52691382 | 13620.52691382 TOTAL | 2424514.433575342 | 0 | 1442438.2398507441 | 4494869.57413 | 2217630.79062 | 138851 | 0 | 0 | 10710301.866463566 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 | 12349685.998602003 | 2187646.1214300003 | 12412681.961805498 | 25063618.284519993 | 34174337.70233 | 10349720 | 2987499.0154100005 | 0 | 99517186.91238499 542045056.0759093 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 666755283.9601384 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0305019357156753 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 Bons B.R.H. | 20750000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05895691609977324 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000 Prêts Nets | 117701999.50510453 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027419540877934894 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 Dépôts | 542053058.2406099 | 0 | 0 | 0 | 0 | 0 | 0 | 0.023908849409966883 | 529395813.4583669 | 0.02099618106395864 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 Avoir des Actionnaires | 57506868.29940292 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07674650021284864 | 53407991.84212357 | 0.04711756566755936 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 5362688.526031733 | -0.06629232366974103 | 5743434.11966864 | 0 | 0 | 5481001.596528769 | 0 | 0 | 5556091.395330159 | 0 | 0 | 5470921.523091253 | 5362688.526031733 | -0.06629232366974103 | 5743434.11966864 Autres revenus | 3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 | 0 | 0 | 3421761.1392631778 | 0 | 0 | 3109891.98995077 | 0 | 0 | 4553687.339512028 | 3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 Dot. à la provision pr créances douteuses | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 | 0 | 0 | 818125.277716415 | 0 | 0 | 893292.1615534102 | 0 | 0 | 709912.9589728992 | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 Dépenses d'exploitation | 6545529.767687133 | 0.04481326056868399 | 6264784.354023656 | 0 | 0 | 6313996.9763033185 | 0 | 0 | 6411316.498187465 | 0 | 0 | 6774274.681158322 | 6545529.767687133 | 0.04481326056868399 | 6264784.354023656 Bénéfice net | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 | 0 | 0 | 1507993.8427459237 | 0 | 0 | 1030811.1988509672 | 0 | 0 | 2091577.2092409127 | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumul) Structure financière Avoir des actionnaires en % de l'actif | 0.08624883774125582 | 0.08499088137634615 | 0 | 0.08447347787812805 | 0 | 0.08162269793975034 | 0 | 0.08254623737158383 | 0.08624883774125582 | 0.08499088137634617 | 0.08254458614727032 | 0.08024726227101067 | 0.07397907273039252 | 0.07699229990709759 Dépôts en % de l'actif | 0.8129715223569435 | 0.8092478228074719 | 0 | 0.8072998876040913 | 0 | 0.816715603520713 | 0 | 0.8182041650510139 | 0.8129715223569435 | 0.8092478228074719 | 0.8182063549439176 | 0.8157851700372211 | 0.8196975677629654 | 0.8146924700293188 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.10364293963986568 | 0.08773775090068439 | 0 | 0.12813520542710025 | 0 | 0.12021049476337706 | 0 | 0.10365241934999575 | 0.10364293963986565 | 0.08773775090068439 | 0.10365241934999576 | 0.0850650584764555 | 0.06674650919428594 | 0.0560625008532209 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.8153493738683166 | 0.8470827182282726 | 0 | 0.5949891682704127 | 0 | 0.6605006997802079 | 0 | 0.827700495458214 | 0.815349373868317 | 0.8470827182282726 | 0.8277004954582138 | 0.7938214552869993 | 0.8951093289409422 | 1.0311341084197292 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.04269065069449065 | 0.034151735287229146 | 0 | 0.12697282561688436 | 0 | 0.09962020913519354 | 0 | 0.041902403238533566 | 0.04269065069449058 | 0.03415173528722914 | 0.04190335301582836 | 0.04984543795117829 | 0.02466152296339713 | -0.006033336650386162 Rentabilité ROA (rendement de l'actif) | 0.009809353503965695 | 0.011899495200920826 | 0 | 0.009433757291288774 | 0 | 0.006376182901663592 | 0 | 0.013332535133464888 | 0.009809353503965702 | 0.011901568917852342 | 0.010158335094798817 | 0.015990419660432787 | 0.01609198724553268 | 0.018894056402956595 ROE ( rendement avoir des action.) | 0.11619079194238982 | 0.1441939743070552 | 0 | 0.1153013030285386 | 0 | 0.07677456761541192 | 0 | 0.1624234829381882 | 0.1161907919423899 | 0.14406869769835712 | 0.12478583461731642 | 0.20719138403610818 | 0.2135184205617245 | 0.22593275500188215 Revenus nets d'intérêts en % des revenus d'intérêt | 0.8357857136920575 | 0.8459431221062925 | 0 | 0.8487401626903636 | 0 | 0.842606579513076 | 0 | 0.8356166215835974 | 0.8357857136920575 | 0.8459431221062926 | 0.8432317870195886 | 0.8581686138445854 | 0.8366368653542322 | 0.8238534845742289 Rendement moyen des prêts | 0.10745285735619571 | 0.12285654035724725 | 0 | 0.11219086594005472 | 0 | 0.1148661139265196 | 0 | 0.11481163114742397 | 0.1074528573561957 | 0.12178027234709556 | 0.11462409373073733 | 0.11849612948383223 | 0.09757312636359047 | 0.10019938664732281 Rendement moyen des prêts productifs | 0.11987791881073237 | 0.13576242450571444 | 0 | 0.1257381480156025 | 0 | 0.13116354774878294 | 0 | 0.12929802644722643 | 0.11987791881073236 | 0.13329149288472705 | 0.12647243261518062 | 0.1281707420455697 | 0.10399743464962523 | 0.10586862841677029 Rémunération moyenne des dépôts | 0.007867144045943979 | 0.008123586374594472 | 0 | 0.007560357318195583 | 0 | 0.007906007457224494 | 0 | 0.008149039239149584 | 0.007867144100866096 | 0.008130967223841521 | 0.00789546015903963 | 0.007503545317516618 | 0.006981018553340822 | 0.0083099864925933 Dépenses d'exploitation en % du produit net bancaire | 0.7342529209061233 | 0.6517450692029307 | 0 | 0.7092177073212382 | 0 | 0.7398256162222755 | 0 | 0.6755921949130931 | 0.7342529209061232 | 0.6517450692029306 | 0.6924849554169584 | 0.6274923880537089 | 0.6017849612829476 | 0.5855856691805337 (marge nette d'int.+autres revenus) Productivité par employé ('000 gdes) | 1340.2 | 1340.2 | 0 | 0 | 0 | 0 | 0 | 0 | 5212.926290645321 | 10728.614850969598 | 5212.926290645321 | 10799.125849100594 | 6722.204773947442 | 5709.007071960184 Productivité par Employé ('000 gdes) | 7373.485296708444 | 7823.642983708192 | 0 | 7186.892218600965 | 0 | 7039.076767412675 | 0 | 8283.09494947596 | 7373.485296708444 | 7823.642983708192 | 7663.37350041908 | 10799.125849100594 | 6722.204773947442 | 5709.007071960184 Nombre de succursales autorisées | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 139 A partir du Trim 2 1998, les prêts improductifs désignent les prêts dont le principal ou les intérêts sont dus et impayés depuis 90 jours ou plus. Avant cette date, ce rapport considérait les prêts échus depuis plus de 15 jours. [partdemarc. ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage) AU 31 Décembre 2024 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 245612840.78270063 | 0.36837029520621617 | 1 | UNIBK | 43462043.902329996 | 0.338803713123113 | 1 | UNIBK | 205519984.5728756 | 0.3791510470210245 | 1 | UNIBK | 149269492.20128557 | 0.4231117366544309 | 1 SOGEBK | 175590326.47918 | 0.2633504836081323 | 2 | SOGEBK | 31067325.04722 | 0.24218200843142 | 2 | SOGEBK | 146795354.49559367 | 0.27081362657017466 | 2 | SOGEBK | 98261745.20726368 | 0.2785277624263431 | 2 BNC | 124953871.99841 | 0.18740589689257012 | 3 | BNC | 20850473 | 0.16253763142498004 | 3 | BNC | 98246412 | 0.18124869974700847 | 3 | BNC | 40514733 | 0.11484100861416975 | 3 CAPITALBK | 53031387 | 0.07953650803488864 | 4 | BUH | 14575993.684994932 | 0.11362559924777452 | 4 | CAPITALBK | 41021530 | 0.07567807131860348 | 4 | CAPITALBK | 29741201 | 0.08430290087896554 | 4 BUH | 47006480.58155779 | 0.07050034954708818 | 5 | CAPITALBK | 11882913 | 0.09263197690762717 | 5 | BUH | 37716220.14935127 | 0.06958031059131034 | 5 | BUH | 26222581.844031267 | 0.07432920136573937 | 5 SOGEBL | 11837238.140819909 | 0.01775349731090784 | 6 | SOGEBL | 5136748.528419908 | 0.04004297355916691 | 6 | SOGEBL | 7972246.800559405 | 0.014707502668531453 | 6 | SOGEBL | 6195165.488379406 | 0.01756050208246927 | 6 BPH | 7560246.97747 | 0.011338863237148318 | 7 | BPH | 1305398.88063 | 0.010176097305918215 | 7 | BPH | 4781307.22223 | 0.008820736548833646 | 7 | BPH | 2584851.12354 | 0.0073268879778821076 | 7 CBNA | 1162892 | 0.0017441061630484552 | 8 | CBNA | 0 | 0 | 8 | CBNA | 3 | 5.534513558022103e-09 | 8 | CBNA | 0 | 0 | 8 TOTAL | 666755283.9601383 | 0.9999999999999999 | TOTAL | 128280896.04359485 | 0.9999999999999997 | TOTAL | 542053058.2406099 | 1.0000000000000002 | TOTAL | 352789769.8644999 | 1 AU 30 Septembre 2024 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 240540982.14141735 | 0.3717675040285088 | 1 | SOGEBK | 42406567.365839995 | 0.3384087371369686 | 1 | UNIBK | 202184009.08663866 | 0.3819146354139783 | 1 | UNIBK | 149776195.82776865 | 0.421818683535443 | 1 SOGEBK | 168891239.55850002 | 0.2610294263537612 | 2 | UNIBK | 30788915.750040002 | 0.24569869112256015 | 2 | SOGEBK | 140784544.51718095 | 0.26593437450417734 | 2 | SOGEBK | 98301787.19911095 | 0.2768499375774805 | 2 BNC | 118380006.99841 | 0.1829619191577188 | 3 | BNC | 20973010 | 0.16736676106867032 | 3 | BNC | 93143324 | 0.17594269095466702 | 3 | BNC | 39435495 | 0.11106323333647168 | 3 CAPITALBK | 52269740 | 0.0807853639035807 | 4 | BUH | 12642981.978719886 | 0.10089228699304086 | 4 | BUH | 40437869 | 0.07638494293302556 | 4 | CAPITALBK | 29953141 | 0.08435782758763993 | 4 BUH | 46339942.645078175 | 0.07162058066203693 | 5 | CAPITALBK | 11926443 | 0.09517423278681103 | 5 | CAPITALBK | 38131561.75702027 | 0.07202845354578732 | 5 | BUH | 27068766.752350286 | 0.07623448768544192 | 5 SOGEBL | 12061886.318570152 | 0.01864221776517945 | 6 | SOGEBL | 5248734.039570151 | 0.0418854335125828 | 6 | SOGEBL | 8185798.482926981 | 0.01546252968917884 | 6 | SOGEBL | 6483839.89304698 | 0.01826061072538332 | 6 BPH | 5454045.17454032 | 0.008429485667458993 | 7 | BPH | 1311166.83193032 | 0.01046324518420805 | 7 | BPH | 4589224.614600001 | 0.008668796575137461 | 7 | BPH | 2716745.03886 | 0.007651241303465571 | 7 CBNA | 3082081 | 0.004763502461755346 | 8 | CBNA | 13861 | 0.00011061219515810268 | 8 | CBNA | 1939482 | 0.0036635763840480885 | 8 | CBNA | 1336485 | 0.0037639782486740526 | 8 TOTAL | 647019923.8365159 | 1.0000000000000002 | TOTAL | 125311679.96610036 | 0.9999999999999999 | TOTAL | 529395813.4583669 | 0.9999999999999999 | TOTAL | 355072455.7111369 | 1.0000000000000002 AU 30 Septembre 2023 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 232383407.53702095 | 0.36561544769816556 | 1 | UNIBK | 51283831.03834999 | 0.3537845928725536 | 1 | UNIBK | 193362648.0297467 | 0.3729204504075883 | 1 | UNIBK | 147537339.6340167 | 0.4142384723587236 | 1 SOGEBK | 166710262.341787 | 0.2622900139385419 | 2 | SOGEBK | 38054230.792337 | 0.2625193998840984 | 2 | SOGEBK | 139060465.8677532 | 0.26819291157676806 | 2 | SOGEBK | 98515561.09349318 | 0.27660072787107565 | 2 BNC | 118159286.99713 | 0.1859033787008627 | 3 | BNC | 23438695 | 0.16169324717254493 | 3 | BNC | 92208311 | 0.17783354344709335 | 3 | BNC | 42273455 | 0.1186905732742912 | 3 CAPITALBK | 48941900 | 0.07700168815558905 | 5 | CAPITALBK | 13207089 | 0.09110989780390075 | 4 | CAPITALBK | 38194690 | 0.07366252553485403 | 4 | CAPITALBK | 29327238 | 0.08234166549130127 | 4 BUH | 45488261.80110802 | 0.07156798060452726 | 4 | BUH | 12144397.018233247 | 0.08377885325231231 | 5 | BUH | 38028696.9219254 | 0.07334239021362798 | 5 | BUH | 25725925.7796441 | 0.0722303128239181 | 5 SOGEBL | 12304824.358960003 | 0.01935953136469843 | 6 | SOGEBL | 5333683.14358 | 0.03679473395916101 | 6 | SOGEBL | 8431399.10121467 | 0.016260850699083326 | 6 | SOGEBL | 6662153.567984669 | 0.018705233017397436 | 6 CBNA | 5857140 | 0.009215205534799974 | 7 | BPH | 1399192.2574197599 | 0.009652411941914187 | 7 | BPH | 4892559.53917 | 0.009435821890029839 | 7 | CBNA | 3441799 | 0.009663489686491963 | 7 BPH | 5750073.0222397605 | 0.009046754002815 | 8 | CBNA | 96667 | 0.0006668631135149974 | 8 | CBNA | 4330332 | 0.008351506230955024 | 8 | BPH | 2681755.15236 | 0.0075295254768008085 | 8 . TOTAL | 635595156.0582458 | 0.9999999999999999 | TOTAL | 144957785.24991998 | 1.0000000000000002 | TOTAL | 518509102.45981 | 0.9999999999999999 | TOTAL | 356165227.22749865 | 1 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE PREMIER TRIMESTRE DE L'EXERCICE 2024-2025 AU 31 Décembre 2024 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 224609640.89533517 | 0.36866676237476376 | 1 | UNIBK | 3487734.82479 | 0.39124098023206333 | 1 | UNIBK | 757959.1453399999 | 0.47051593540633396 | 1 SOGEBK | 162792242.85988367 | 0.2672017500034479 | 2 | SOGEBK | 2013964.0754 | 0.22591891832232402 | 2 | SOGEBK | 347873.64423000003 | 0.21594843749087064 | 2 BNC | 113203000 | 0.1858076231044682 | 3 | BNC | 1658491 | 0.18604328515288546 | 3 | BNC | 380251 | 0.23604722768261852 | 3 CAPITALBK | 47529091 | 0.0780126624473377 | 4 | CAPITALBK | 973790 | 0.10923610116004749 | 4 | CAPITALBK | 135670 | 0.08421944289351206 | 4 BUH | 43655059.348844856 | 0.0716539562917357 | 5 | BUH | 571716.5601905098 | 0.06413301430888066 | 5 | BUH | 36593.087292922966 | 0.022715776704972563 | 5 SOGEBL | 10717809.610629406 | 0.01759185470912675 | 6 | SOGEBL | 119691.85485999999 | 0.013426582287270028 | 6 | SOGEBL | 17120.713379999987 | 0.01062797186410479 | 6 BPH | 6160645.97788 | 0.010111878536240073 | 7 | CBNA | 42164 | 0.0047297990011319095 | 7 | CBNA | -48531 | -0.030126437554839198 | 7 CBNA | 580926 | 0.0009535125328797496 | 8 | BPH | 46991.408480000006 | 0.005271319535397154 | 8 | BPH | -16025.910489999995 | -0.009948354487573453 | 8 TOTAL | 609248415.6925732 | 0.9999999999999999 | TOTAL | 8914543.72372051 | 1 | TOTAL | 1610910.679752923 | 0.9999999999999999 POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2023-2024 AU 30 Septembre 2024 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 220284877.3448607 | 0.37109240139746563 | 1 | UNIBK | 3938862.39789 | 0.39291931005746195 | 1 | UNIBK | 1237237.27475 | 0.591533159418497 | 1 SOGEBK | 156993201.27198094 | 0.26447110108193844 | 2 | SOGEBK | 2199950.5395499994 | 0.219455000160345 | 2 | SOGEBK | 344972.2019299993 | 0.16493400310820874 | 2 BNC | 107009386 | 0.18026825309774172 | 3 | BNC | 1734283 | 0.17300256037616868 | 3 | BNC | 226933 | 0.10849850485909616 | 3 CAPITALBK | 46876048 | 0.07896749622585339 | 4 | CAPITALBK | 1254630 | 0.1251550077609897 | 4 | CAPITALBK | 197187 | 0.09427670139490774 | 4 BUH | 43025114.4621546 | 0.07248020489925054 | 5 | BUH | 600065.0883633107 | 0.059859202148210326 | 5 | BUH | 66001.93906654257 | 0.03155606150943688 | 5 SOGEBL | 10954182.268376982 | 0.018453440164908304 | 6 | SOGEBL | 201025.06086997097 | 0.020053157547113207 | 6 | SOGEBL | 37469.96728437095 | 0.017914694766620526 | 6 BPH | 6018265.654760001 | 0.010138383900845128 | 7 | CBNA | 71309 | 0.007113394744608701 | 7 | CBNA | 12913 | 0.006173809861260851 | 7 CBNA | 2450857 | 0.004128719231996827 | 8 | BPH | 24483.775930000003 | 0.002442367205102288 | 8 | BPH | -31137.17379 | -0.014886934918027952 | 8 TOTAL | 593611932.0021333 | 1 | TOTAL | 10024608.862603283 | 0.9999999999999999 | TOTAL | 2091577.209240913 | 1 POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2022-2023 AU 30 Septembre 2023 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 212978022.53353736 | 0.36432009154926864 | 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 2025 (Octobre 2024 - Décembre 2024) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 3487734.82479 | 0.39124098023206333 | 1 | UNIBK | 757959.1453399999 | 0.4705159354063341 | 1 SOGEBK | 2013964.0754 | 0.22591891832232402 | 2 | BNC | 380251 | 0.23604722768261854 | 2 BNC | 1658491 | 0.18604328515288546 | 3 | SOGEBK | 347873.64423000003 | 0.21594843749087067 | 4 CAPITALBK | 973790 | 0.10923610116004749 | 4 | CAPITALBK | 135670 | 0.08421944289351208 | 3 BUH | 571716.5601905098 | 0.06413301430888066 | 5 | BPH | 36593.087292922966 | 0.022715776704972566 | 5 SOGEBL | 119691.85485999999 | 0.013426582287270028 | 6 | SOGEBL | 17120.713379999987 | 0.010627971864104791 | 7 BPH | 46991.408480000006 | 0.005271319535397154 | 7 | BUH | -16025.910489999995 | -0.009948354487573455 | 6 CBNA | 42164 | 0.0047297990011319095 | 8 | CBNA | -48531 | -0.0301264375548392 | 8 TOTAL | 8914543.72372051 | 1 | TOTAL | 1610910.6797529228 | 1.0000000000000002 CUMUL 2024 (Octobre 2023 - Décembre 2023) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 3577768.6067899996 | 0.37220643464396197 | 1 | UNIBK | 822123.0696699995 | 0.4363167159516867 | 1 SOGEBK | 2206762.55644 | 0.2295763962150888 | 2 | BNC | 437066 | 0.23195943382380282 | 2 BNC | 1798610 | 0.1871150118944153 | 3 | SOGEBK | 301255.44791999995 | 0.15988213024087736 | 3 CAPITALBK | 1119588 | 0.11647423395669135 | 4 | CAPITALBK | 270862 | 0.14375173581194345 | 4 BUH | 624018.1126284772 | 0.06491855186327669 | 5 | BUH | 31921.67274816414 | 0.016941453092605852 | 5 SOGEBL | 136577.59947000004 | 0.014208593941621444 | 6 | SOGEBL | 30857.019130600005 | 0.016376420693955212 | 6 CBNA | 95394 | 0.00992413555170707 | 7 | CBNA | 23330 | 0.012381685125608763 | 7 BPH | 53604.48553 | 0.005576641933237312 | 8 | BPH | -33180.57069999999 | -0.017609574740480062 | 8 TOTAL | 9612323.360858478 | 0.9999999999999998 | TOTAL | 1884234.6387687635 | 1 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 31 Décembre 2024 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 42313270.945769995 | 1 | SOGEBL | 69415.52065432309 | 1 | SOGEBK | 3669883.8623898416 | 1 | SOGEBK | 135046.32428297485 | 1 SOGEBK | 28611827.434189998 | 2 | BUH | 31278.956405568526 | 2 | UNIBK | 3425333.0762145934 | 2 | UNIBK | 134020.20513392604 | 2 BNC | 15729675 | 3 | SOGEBK | 28580.795811609936 | 3 | SOGEBL | 2657415.6001864686 | 3 | BNC | 127592.74285714286 | 3 BUH | 14287856.408734636 | 4 | UNIBK | 28341.730617756763 | 4 | BNC | 2456160.3 | 4 | SOGEBL | 107733.0648724244 | 4 CAPITALBK | 11777384 | 5 | BNC | 27078.536363636365 | 5 | CAPITALBK | 1640861.2 | 5 | BUH | 80936.09474109714 | 5 SOGEBL | 4810309.517329908 | 6 | CAPITALBK | 15718.138888888889 | 6 | BUH | 1571509.1728896361 | 6 | CAPITALBK | 54261.28306878307 | 6 BPH | 171676.19908000017 | 7 | BPH | 9357.698069032258 | 7 | BPH | 796884.5370383334 | 7 | BPH | 34274.60374358423 | 7 CBNA | 0 | 8 | CBNA | 0 | 8 | CBNA | 3 | 8 | CBNA | 0.3 | 8 TOTAL | 117701999.50510454 AU 30 Septembre 2024 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 41228653.55623999 | 1 | SOGEBL | 74981.91485100216 | 1 | CBNA | 1939482 | 1 | CBNA | 161623.5 | 1 SOGEBK | 28451664.77642 | 2 | SOGEBK | 26995.980491047787 | 2 | SOGEBK | 3519613.612929524 | 2 | UNIBK | 131330.95750999587 | 2 BNC | 15801864 | 3 | BNC | 25892.604938271605 | 3 | UNIBK | 3369733.484777311 | 3 | SOGEBK | 128160.71417130719 | 3 BUH | 12398174.758378172 | 4 | UNIBK | 27140.203114137596 | 4 | SOGEBL | 2728599.4943089937 | 4 | SOGEBL | 113691.64559620807 | 4 CAPITALBK | 11569274 | 5 | BUH | 27130.862615278726 | 5 | BNC | 2328583.1 | 5 | BNC | 118653.91592356688 | 5 SOGEBL | 4921953.2070201505 | 6 | CAPITALBK | 16171.44813559322 | 6 | CAPITALBK | 1617514.76 | 6 | BUH | 81739.68222298022 | 6 BPH | 175349.8027703201 | 7 | BPH | 10489.33465544256 | 7 | BUH | 1588815.073209178 | 7 | CAPITALBK | 55017.50884353741 | 7 CBNA | 13861 | 8 | CBNA | 1066.2307692307693 | 8 | BPH | 764870.7691000002 | 8 | BPH | 34635.65746867925 | 8 TOTAL | 114560795.10082863 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 | 26163.10126664627 | 3 | UNIBK | 3222710.8004957787 | 3 | SOGEBK | 95607.05800464298 | 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 1 2025 | AU 31 Décembre 2024 COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BNC | 0.6682218956871036 | 1 | CBNA | 16865.6 | 1 | SOGEBL | 159962.67757864742 | 1 UNIBK | 0.6951851466047132 | 2 | UNIBK | 9097.4498201239 | 2 | SOGEBK | 161536.6388952898 | 2 SOGEBK | 0.7035017633363689 | 3 | BNC | 8615.537662337661 | 3 | UNIBK | 160164.8782410829 | 3 SOGEBL | 0.7940037473824809 | 4 | SOGEBK | 7411.091353817847 | 4 | BNC | 162277.7558420909 | 4 CAPITALBK | 0.8366660162868791 | 5 | SOGEBL | 6469.829992432432 | 5 | BUH | 100872.27592608967 | 5 BUH | 0.9311536181840493 | 6 | CAPITALBK | 5152.328042328042 | 6 | CBNA | 116289.2 | 6 BPH | 1.3410391603141834 | 7 | BUH | 4907.43828489708 | 7 | CAPITALBK | 70147.33730158731 | 7 CBNA | 2.1510055971919173 | 8 | BPH | 1347.4238990681006 | 8 | BPH | 54195.318834910395 | 8 SOGEBK | 0 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9 UNIBK | 0 | 10 | UNIBK | 0 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 AU 30 JUIN 2004 | TRIM 4 2024 | AU 30 Septembre 2024 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang SOGEBL | 0.5448664646884424 | 1 | CBNA | 23769.666666666668 | 1 | CBNA | 256840.08333333334 | 1 UNIBK | 0.5509580306797519 | 2 | SOGEBL | 11168.058937220609 | 2 | SOGEBL | 167526.19886902987 | 2 SOGEBK | 0.7143760004947519 | 3 | UNIBK | 10234.134193933096 | 3 | UNIBK | 156246.17222566897 | 3 BNC | 0.7307630876852278 | 4 | BNC | 8837.110828025478 | 4 | SOGEBK | 153747.14570641785 | 4 CBNA | 0.7373122607244528 | 5 | SOGEBK | 8010.7438854801985 | 5 | BNC | 150802.5566858726 | 5 CAPITALBK | 0.8194718761706639 | 6 | CAPITALBK | 6827.918367346939 | 6 | BUH | 99335.35400874207 | 6 BUH | 0.8654414157550487 | 7 | BUH | 5145.252633340285 | 7 | CAPITALBK | 71115.2925170068 | 7 BPH | 2.2717472124815346 | 8 | BPH | 739.1328582641511 | 8 | BPH | 41162.60509087034 | 8 BUH | 0 | 9 | UNIBK | 0 | 9 CAPITALBK | 0 | 10 | CAPITALBK | 0 | 10 SOGEBK | 0 | 11 | BICH | 11 BICH | #REF! | 12 | SOGEBK | 12 SOCABEL | #REF! | 13 | SOCABEL | 13 TRIM 4 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 | 1 | CBNA | 0 | 1 | BNC | 0.51126746266076 | 2 | UNIBK | 10681.809571976626 | 2 | SOGEBL | 164064.32478613337 | 2 BNC | 0 | 2 | BPH | 0 | 2 | SOGEBK | 0.5719697363508162 | 3 | BNC | 10326.73605015674 | 3 | UNIBK | 159768.58544999722 | 3 BPH | 0 | 3 | SCOTIA | 0 | 3 | SOGEBL | 0.6101101926641512 | 4 | SOGEBL | 9308.394568748905 | 4 | SOGEBK | 149986.74074834638 | 4 SCOTIA | 0 | 4 | BNC | 0 | 4 | UNIBK | 0.6981800297986752 | 5 | SOGEBK | 9195.82285891138 | 5 | BNC | 148162.11535690282 | 5 SOGEBL | 0 | 5 | SOGEBL | 0 | 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 | 0.0027893171259060143 | 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.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 23691777.02937282 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3267207755654465 | 35188635.21931797 | 0.21951771525817343 | 28854550.26938128 | 0.4348459059883045 | 20109859.98493449 | 0.10936239656836208 | 18127403.675427593 Avoirs à la BRH | 258004576.23362792 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09140366987133745 | 236397020.97029173 | -0.0011474979985516304 | 236668597.71248683 | 0.03242910831152402 | 229234720.14416966 | 0.17799247816585675 | 194597779.18199432 Avoirs à l'étranger | 29541917.12991929 | 0 | 0 | 0 | 0 | 0 | 0 | -0.10734466982630947 | 33094427.525763053 | -0.03360030921016478 | 34245072.5524499 | -0.055013371180941545 | 36238684.768741824 | -0.11607028552863714 | 40997246.9252428 Avoirs dans les banques locales | 600994.1598332511 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010590522905753663 | 594696.0180323194 | -0.20266830723408696 | 745857.7445596596 | -0.04674204596827713 | 782430.1296465644 | 1.571935597492979 | 304218.3989401781 Autres liquidités | 1975965.563572478 | 0 | 0 | 0 | 0 | 0 | 0 | -0.25901984517576654 | 2666691.6120596956 | -0.4858198618270421 | 5186298.369157706 | 1.0609117460415234 | 2516506.773819519 | 0.46681532692001537 | 1715626.178452622 313815230.11632574 | 0 | 0 | 0 | 0 | 0 | 0 | 0.019074270007210174 | 307941471.34546477 | 0.007331017128610271 | 305700376.6480354 | 0.05821810669488948 | 288882201.801312 | 0.12958329835839766 | 255742274.3600575 Bons B.R.H. | 20750000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05895691609977324 | 22050000 | 7.647058823529412 | 2550000 | 2.1875 | 800000 | -0.8688524590163934 | 6100000 Bons du Trésor / M.E.F. | 34923000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1964930553176327 | 29187800 | -0.15873180573569678 | 34695000 | -0.13186538220943325 | 39965000 | 0.5110783424077435 | 26448000 Autres Placements | 136879738.01152942 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02629099544517967 | 133373223.2076677 | 0.11698893990109989 | 119404246.9386284 | 0.21579026599419945 | 98211221.35814014 | 0.33329401187026897 | 73660588.35018319 Portefeuille net | 117701999.50510453 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027419540877934894 | 114560795.10082863 | -0.15246437721745532 | 135169297.92840332 | -0.09594376937513038 | 149514259.56654975 | 0.14613191738166265 | 130451178.69862218 Immobilisations | 21887939.36028 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006740561870629893 | 21741390.174654238 | 0.0703330966185059 | 20312732.77762 | 0.4541137359541169 | 13969149.919549998 | 0.04526091416921278 | 13364270.80568 Autres actifs | 20797376.966898624 | 0 | 0 | 0 | 0 | 0 | 0 | 0.14489940007704838 | 18165244.007900625 | 0.02261616249116812 | 17763501.7655586 | -0.05815956312135178 | 18860415.278439935 | 0.3021256224470254 | 14484328.511251023 666755283.9601384 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0305019357156753 | 647019923.8365159 | 0.017974913227978225 | 635595156.0582457 | 0.04161392099200667 | 610202247.9239918 | 0.17290052170374615 | 520250640.72579384 PASSIF Dépôts À vue | 255784280.68752494 | 0 | 0 | 0 | 0 | 0 | 0 | 0.016180913496129566 | 251711360.93031842 | 0.0222058812780259 | 246243311.19638354 | 0.04610915868696442 | 235389690.5992665 | 0.1810964519041873 | 199297602.0034321 Épargne | 186743588.47272012 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04493432808753727 | 178713229.5811379 | -0.003811851619361145 | 179397064.5722362 | 0.04299503188823448 | 172001839.97756577 | 0.20970385870819858 | 142185080.04202008 À terme | 99525189.08036487 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0055972445015806515 | 98971222.94691056 | 0.06571099306672466 | 92868726.69119021 | 0.0008509429760196925 | 92789767.88995776 | 0.1266144747918965 | 82361597.48178053 542053058.2406099 | 0 | 0 | 0 | 0 | 0 | 0 | 0.023908849409966883 | 529395813.4583669 | 0.02099618106395864 | 518509102.45981 | 0.03664232159259115 | 500181298.4667901 | 0.18010628579134236 | 423844279.5272327 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à vue Banques locales | 650000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.38095238095238093 | 1050000 | 0.6153846153846154 | 650000 | -0.35 | 1000000 | 2.3333333333333335 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 36227528.740483165 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11433529952879645 | 32510438.066354174 | 0.07581511403349182 | 30219354.27590774 | 0.28598038834438205 | 23499078.640548505 | 0.4066237528633815 | 16706015.800396381 36877528.740483165 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09883931394371533 | 33560438.06635417 | 0.08717654947990637 | 30869354.27590774 | 0.26002102890578793 | 24499078.640548505 | 0.440612482553231 | 17006015.800396383 Obligations à terme Banques locales | 5739327.50712 | 0 | 0 | 0 | 0 | 0 | 0 | -0.27795381679716713 | 7948698.62986 | -0.22721247677836368 | 10285749.17556 | -0.45419152934736 | 18844979.014820002 | -0.08889799666700945 | 20683720.31439 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0.6 | 0.21369042802815752 | 0.49436 | -0.9992275395675808 | 639.981 Autres | 14053471.189043008 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11224044151325988 | 12635281.603249872 | -0.1550749591336507 | 14954322.56368471 | 0.2504686971211595 | 11958973.941621 | 0.20992854969449307 | 9884033.189100828 19792798.696163006 | 0 | 0 | 0 | 0 | 0 | 0 | -0.038436761403133804 | 20583980.233109873 | -0.18447221717725734 | 25240072.33924471 | -0.1806223061738724 | 30803953.450801 | 0.007705997583081588 | 30568393.484490827 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres passifs | 10525030.015317006 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04501025249149336 | 10071700.244302323 | 0.010012624974827838 | 9971855.791954419 | 0.04136867735531761 | 9575720.884249331 | 0.09104402553527072 | 8776658.558348682 609248415.6925731 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02634125570505505 | 593611932.0021331 | 0.01543225370918478 | 584590384.8669169 | 0.03456328822870118 | 565060051.4423889 | 0.1767295425427094 | 480195347.37046856 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 21878488.76157 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00021135017851628535 | 21883113.76157 | -1.960377278369081e-05 | 21883542.76157 | 0.4007524558119212 | 15622705.26157 | 0.08369008875558102 | 14416211.26157 Réserves | 9151922.4443 | 0 | 0 | 0 | 0 | 0 | 0 | 0.002215174295964456 | 9131694.15014 | 0.17767843919633353 | 7753979.224049999 | -0.06128728218046807 | 8260226.02747 | 0.16423590658785386 | 7094976.182 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 3214263.27904 | 0 | 0 | 0 | 0 | 0 | 0 | 1.5637392762081486 | 1253740.31161 | -0.12900830653462425 | 1439440.03257 | 0.10354541335050162 | 1304377.70404 | -0.10000497777305484 | 1449316.57601 BNR | 23262193.814492926 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10041655939332121 | 21139443.618803572 | 0.06080118694317128 | 19927809.1682 | -0.0013569767384824854 | 19954887.486337997 | 0.16730818331487665 | 17094789.33804 57506868.29940292 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07674650021284864 | 53407991.84212357 | 0.04711756566755936 | 51004771.18639 | 0.12986906185756752 | 45142196.479417995 | 0.1269970257459187 | 40055293.35762 666755283.991976 | 0 | 0 | 0 | 0 | 0 | 0 | 0.030501935752553205 | 647019923.8442566 | 0.017974913248066847 | 635595156.0533069 | 0.041613920987642654 | 610202247.9218069 | 0.1729005216943731 | 520250640.72808856 Hors-bilan Effets à l'encaissement | 1635036.37998923 | 0 | 0 | 0 | -0.00222629517611607 | 1638684.575554964 | 1689770.930555273 | 1537300.341460401 | 1267194.203952186 Crédit documentaire | 3586811.455648905 | 0 | 0 | 0 | -0.001111915451438134 | 3590804.126239959 | 4533183.750797793 | 4188643.145419392 | 3567610.27823485 Autres | 21789920.45937242 | 0 | 0 | 0 | -0.10586664488644808 | 24369877.641579732 | 21247677.55485199 | 151487184.2710981 | 20774183.971271355 0 | 0 | 0 Portefeuille brut | 128280896.04359484 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02369464744465729 | 125311679.96610036 | -0.1355298389110183 | 144957785.24992 | -0.08839985269419076 | 159014657.55390215 | 0.1484936095543595 | 138454978.09570163 Provisions pour créances douteuses | 10840403.538490295 | 0 | 0 | 0 | 0 | 0 | 0 | 0.008326633048387454 | 10750884.865271715 | 0.09831933292078075 | 9788487.321516676 | 0.030323922697532462 | 9500397.987352408 | 0.18698601951706315 | 8003799.397079452 Portefeuille de crédit improductif | 13295409.165594183 | 0 | 0 | 0 | 0 | 0 | 0 | 0.023601023691537534 | 12988858.801298697 | 0.053363452134161805 | 12330842.478901925 | 0.16178839573459877 | 10613673.30244776 | 0.3673656740786397 | 7762132.327622954 Graphe Dépots US | 352789769.8645 | 0 | 0 | 0 | 0 | 0 | 0 | -0.006428788856812738 | 355072455.7111369 | -0.0030681575133046594 | 356165226.7274987 | 0.05835097001904385 | 336528464.39125 | 0.20050798867282424 | 280321720.1105727 Graphe Bons BRH | Sept. 21 | Sept. 22 | Sept. 23 | Sept. 24 | Déc. 24 | 2025-03-01 00:00:00 | Juin 25 | Sept. 25 6100000 | 800000 | 2550000 | 22050000 | 20750000 | 0 | 0 | 0 [sofibilcompsys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 23691777.02937282 | 0.03553294229429641 | 0 | 0 | 0 | 0 | 0 | 0 | 35188635.21931797 | 0.05438570579197368 | 28854550.26938128 | 0.045397687497066234 | 20109859.98493449 | 0.03295605687024513 | 18127403.675427593 | 0.034843597021117216 Avoirs à la BRH | 258004576.23362792 | 0.38695542793636495 | 0 | 0 | 0 | 0 | 0 | 0 | 236397020.97029173 | 0.36536281536520776 | 236668597.71248683 | 0.37235745970788775 | 229234720.14416966 | 0.3756700682832025 | 194597779.18199432 | 0.3740462076327554 Avoirs à l'étranger | 29541917.12991929 | 0.044306986147087564 | 0 | 0 | 0 | 0 | 0 | 0 | 33094427.525763053 | 0.05114900841001784 | 34245072.5524499 | 0.05387875005974982 | 36238684.768741824 | 0.059387989624803544 | 40997246.9252428 | 0.07880287637521821 Avoirs dans les banques locales | 600994.1598332511 | 0.0009013714241058511 | 0 | 0 | 0 | 0 | 0 | 0 | 594696.0180323194 | 0.0009191309202753123 | 745857.7445596596 | 0.0011734792775722625 | 782430.1296465644 | 0.0012822472095252355 | 304218.3989401781 | 0.0005847535305593619 Autres liquidités | 1975965.563572478 | 0.0029635544121021317 | 0 | 0 | 0 | 0 | 0 | 0 | 2666691.6120596956 | 0.004121498448220112 | 5186298.369157706 | 0.00815975125002752 | 2516506.773819519 | 0.004124053594330549 | 1715626.178452622 | 0.003297691620445056 313815230.11632574 | 0.4706602822139569 | 0 | 0 | 0 | 0 | 0 | 0 | 307941471.34546477 | 0.4759381589356947 | 305700376.6480354 | 0.4809671277923036 | 288882201.801312 | 0.4734204155821069 | 255742274.3600575 | 0.49157512618009525 Bons B.R.H. | 20750000 | 0.03112086322999508 | 0 | 0 | 0 | 0 | 0 | 0 | 22050000 | 0.03407932149794421 | 2550000 | 0.0040119877813642735 | 800000 | 0.0013110407290725843 | 6100000 | 0.011725117707668715 Bons du Trésor / M.E.F. | 34923000 | 0.05237753766655991 | 0 | 0 | 0 | 0 | 0 | 0 | 29187800 | 0 | 34695000 | 0.054586633754679786 | 39965000 | 0.06549467842173229 | 26448000 | 0 Autres Placements | 136879738.01152942 | 0.205292318342861 | 0 | 0 | 0 | 0 | 0 | 0 | 133373223.2076677 | 0 | 119404246.9386284 | 0.18786210971010964 | 98211221.35814014 | 0.16094863906560625 | 73660588.35018319 | 0.14158673259377522 Portefeuille net | 117701999.50510453 | 0.17652953390338827 | 0 | 0 | 0 | 0 | 0 | 0 | 114560795.10082863 | 0.17705914590935376 | 135169297.92840332 | 0.2126657143938593 | 149514259.56654975 | 0.24502410483609624 | 130451178.69862218 | 0.2507467910402411 Immobilisations | 21887939.36028 | 0.03282754540808192 | 0 | 0 | 0 | 0 | 0 | 0 | 21741390.174654238 | 0.033602350366180825 | 20312732.77762 | 0.031958602239187846 | 13969149.919549998 | 0.022892655618813824 | 13364270.80568 | 0.025688139061271903 Autres actifs | 20797376.966898624 | 0.031191919235156722 | 0 | 0 | 0 | 0 | 0 | 0 | 18165244.007900625 | 0.02807524674076417 | 17763501.7655586 | 0.02794782432849561 | 18860415.278439935 | 0.030908465746571998 | 14484328.511251023 | 0.027841058477206592 666755283.9601384 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 647019923.8365159 | 1 | 635595156.0582457 | 1 | 610202247.9239918 | 1 | 520250640.72579384 | 1 PASSIF Dépôts À vue | 255784280.68752494 | 0.3836254272606812 | 0 | 0 | 0 | 0 | 0 | 0 | 251711360.93031842 | 0.3890318545954374 | 246243311.19638354 | 0.3874216297108122 | 235389690.5992665 | 0.38575683947429046 | 199297602.0034321 | 0.38307997415513995 Épargne | 186743588.47272012 | 0.2800781530572534 | 0 | 0 | 0 | 0 | 0 | 0 | 178713229.5811379 | 0.2762097780875969 | 179397064.5722362 | 0.28225052199075656 | 172001839.97756577 | 0.2818767721075172 | 142185080.04202008 | 0.2733011147158989 À terme | 99525189.08036487 | 0.1492679420390089 | 0 | 0 | 0 | 0 | 0 | 0 | 98971222.94691056 | 0.15296472226088337 | 92868726.69119021 | 0.14611301833565227 | 92789767.88995776 | 0.1520639561811576 | 82361597.48178053 | 0.15831138115827997 542053058.2406099 | 0.8129715223569435 | 0 | 0 | 0 | 0 | 0 | 0 | 529395813.4583669 | 0.8182063549439176 | 518509102.45981 | 0.8157851700372211 | 500181298.4667901 | 0.8196975677629654 | 423844279.5272327 | 0.8146924700293188 Obligations à vue Banques locales | 650000 | 0.0009748704144335807 | 0 | 0 | 0 | 0 | 0 | 0 | 1050000 | 0.0016228248332354385 | 650000 | 0.0010226635521124617 | 1000000 | 0.0016388009113407302 | 300000 | 0.0005766451331640351 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 36227528.740483165 | 0.0543340707032912 | 0 | 0 | 0 | 0 | 0 | 0 | 32510438.066354174 | 0.05024642498423073 | 30219354.27590774 | 0.04754497259437649 | 23499078.640548505 | 0.03851031149179838 | 16706015.800396381 | 0.03211147568620015 36877528.740483165 | 0.05530894111772478 | 0 | 0 | 0 | 0 | 0 | 0 | 33560438.06635417 | 0.051869249817466156 | 30869354.27590774 | 0.04856763614648896 | 24499078.640548505 | 0.040149112403139106 | 17006015.800396383 | 0.032688120819364196 Obligations à terme Banques locales | 5739327.50712 | 0.008607847054517115 | 0 | 0 | 0 | 0 | 0 | 0 | 7948698.62986 | 0.012285090979467917 | 10285749.17556 | 0.016182862750793867 | 18844979.014820002 | 0.030883168783683957 | 20683720.31439 | 0.03975722218339694 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 9.439971250268879e-10 | 0.49436 | 8.101576185304035e-10 | 639.981 | 1.2301397632248413e-06 Autres | 14053471.189043008 | 0.021077405049681145 | 0 | 0 | 0 | 0 | 0 | 0 | 12635281.603249872 | 0.01952842739112074 | 14954322.56368471 | 0.02352806251140514 | 11958973.941621 | 0.01959837739422854 | 9884033.189100828 | 0.018998598781755967 19792798.696163006 | 0.029685252104198256 | 0 | 0 | 0 | 0 | 0 | 0 | 20583980.233109873 | 0.031813518370588656 | 25240072.33924471 | 0.03971092620619613 | 30803953.450801 | 0.050481546988070114 | 30568393.484490827 | 0.05875705110491612 Autres passifs | 10525030.015317006 | 0.01578544672762764 | 0 | 0 | 0 | 0 | 0 | 0 | 10071700.244302323 | 0.015566290732721182 | 9971855.791954419 | 0.015689005331312816 | 9575720.884249331 | 0.015692700111852267 | 8776658.558348682 | 0.01687005814371415 609248415.6925731 | 0.9137511623064942 | 0 | 0 | 0 | 0 | 0 | 0 | 593611932.0021331 | 0.9174554138646934 | 584590384.8669169 | 0.919752737721219 | 565060051.4423889 | 0.9260209272660268 | 480195347.37046856 | 0.9230077000973133 0 | 0 | 0 AVOIR DES ACTIONNAIRES | 0 | 0 | 0 Capital versé | 21878488.76157 | 0.03281337139411105 | 0 | 0 | 0 | 0 | 0 | 0 | 21883113.76157 | 0.03382139089599234 | 21883542.76157 | 0.034430002420541735 | 15622705.26157 | 0.025602503620268537 | 14416211.26157 | 0.02771012687549632 Réserves | 9151922.4443 | 0.013726059117136508 | 0 | 0 | 0 | 0 | 0 | 0 | 9131694.15014 | 0.01411346670129331 | 7753979.224049999 | 0.012199556825035696 | 8260226.02747 | 0.013536865941698256 | 7094976.182 | 0.01363761161755016 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 | 3214263.27904 | 0.004820754115286715 | 0 | 0 | 0 | 0 | 0 | 0 | 1253740.31161 | 0.0019377151543895665 | 1439440.03257 | 0 | 1304377.70404 | 0 | 1449316.57601 | 0.002785804499900433 BNR | 23262193.814492926 | 0.034888653114721536 | 0 | 0 | 0 | 0 | 0 | 0 | 21139443.618803572 | 0.032672013395595105 | 19927809.1682 | 0.03135299093810876 | 19954887.486337997 | 0.03270208779831244 | 17094789.33804 | 0.03285875691415068 57506868.29940292 | 0.08624883774125582 | 0 | 0 | 0 | 0 | 0 | 0 | 53407991.84212357 | 0.08254458614727032 | 51004771.18639 | 0.08024726227101067 | 45142196.479417995 | 0.07397907273039252 | 40055293.35762 | 0.07699229990709759 666755283.991976 | 1.00000000004775 | 0 | 0 | 0 | 0 | 0 | 0 | 647019923.8442566 | 1.0000000000119638 | 635595156.0533069 | 0.9999999999922298 | 610202247.9218069 | 0.9999999999964194 | 520250640.72808856 | 1.0000000000044107 [sofibilgdes&$ ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 8729387.205702819 | 14962389.82367 | 23691777.02937282 | 0.3684564140072826 | 9944202.068657966 | 25244433.15066 | 35188635.219317965 | 0.282596980720604 Avoirs à la BRH | 159319459.0676279 | 98685117.166 | 258004576.23362792 | 0.617506330288348 | 160354066.08053175 | 76042954.88975999 | 236397020.97029173 | 0.6783252404042927 Avoirs à l'étranger | 29541917.12991929 | 0 | 29541917.12991929 | 1 | 33094427.525763053 | 0 | 33094427.525763053 | 1 Avoirs dans les banques locales | 323147.15503324947 | 277847.0048000017 | 600994.1598332511 | 0.5376876792328702 | 443529.70036231744 | 151166.317670002 | 594696.0180323194 | 0.7458090972760025 Autres liquidités | 526718.055442478 | 1449247.50813 | 1975965.563572478 | 0.2665623658391039 | 1351027.183069696 | 1315664.42899 | 2666691.6120596956 | 0.5066304543652093 198440628.61372575 | 115374601.5026 | 313815230.11632574 | 0.6323486229147238 | 205187252.5583848 | 102754218.78708 | 307941471.3454648 | 0.6663189977688813 Bons B.R.H. | 0 | 20750000 | 20750000 | 0 | 0 | 17400000 | 17400000 | 0 Bons du Trésor / M.E.F. | 0 | 34923000 | 34923000 | 0 | 0 | 29187800 | 29187800 | 0 Autres Placements | 102813650.58913283 | 34066087.42239659 | 136879738.01152942 | 0.7511239580285638 | 103625482.93449041 | 34397740.273177266 | 138023223.20766768 | 0.750782951783245 Portefeuille net | 71898851.10808964 | 45803148.3970149 | 117701999.50510454 | 0.6108549677184669 | 69011223.72943312 | 45549571.37139551 | 114560795.10082863 | 0.6023982608421504 Immobilisations | 0 | 21887939.36028 | 21887939.36028 | 0 | 0 | 21741390.174654238 | 21741390.174654238 | 0 Autres actifs | 6234556.015661077 | 14562820.951237548 | 20797376.966898624 | 0.2997760739531758 | 4998015.5599793475 | 13167228.34792128 | 18165243.907900628 | 0.27514167083688623 379387686.32660925 | 287367597.63352907 | 666755283.9601383 | 0.5690058938464907 | 382821974.78228766 | 264197948.9542283 | 647019923.736516 | 0.591669530934233 PASSIF Dépôts À vue | 160955982.86663496 | 94828297.82089 | 255784280.68752497 | 0.6292645600972815 | 166327213.6425284 | 85384147.28778999 | 251711360.93031842 | 0.6607854847226104 Épargne | 115668597.61211011 | 71074990.86061001 | 186743588.47272012 | 0.6193979592986519 | 112818622.8998979 | 65894606.68123999 | 178713229.5811379 | 0.6312829954688773 À terme | 76165189.38575487 | 23359999.694609992 | 99525189.08036485 | 0.7652855532306782 | 75926619.16871054 | 23044603.778200004 | 98971222.94691055 | 0.7671585427355846 352789769.8645 | 189263288.37611002 | 542053058.24061 | 0.6508399214821907 | 355072455.7111369 | 174323357.74722996 | 529395813.4583669 | 0.6707126250046568 Obligations à vue Banques locales | 0 | 650000 | 650000 | 0 | 0 | 1050000 | 1050000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 15326719.662549814 | 20900809.07793335 | 36227528.740483165 | 0.4230683183593108 | 15370101.79962997 | 17140336.2667242 | 32510438.06635417 | 0.47277436767414266 15326719.662549814 | 21550809.07793335 | 36877528.740483165 | 0.415611354285911 | 15370101.79962997 | 18190336.2667242 | 33560438.06635417 | 0.45798275246708353 Obligations à terme Banques locales | 0 | 5739327.50712 | 5739327.50712 | 0 | 0 | 7948698.62986 | 7948698.62986 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! Autres | 5617435.818372069 | 8436035.370670939 | 14053471.189043008 | 0.3997187415698254 | 6425170.16785755 | 6210111.435392322 | 12635281.603249872 | 0.5085102469109163 5617435.818372069 | 14175362.877790939 | 19792798.696163006 | 0.28381210280590863 | 6425170.16785755 | 14158810.065252323 | 20583980.233109873 | 0.3121442060813144 Autres passifs | 5622322.103435304 | 4902707.911881701 | 10525030.015317004 | 0.5341858498506111 | 5444342.064804662 | 4627358.179497663 | 10071700.244302325 | 0.5405583896209171 379356247.4488571 | 229892168.243716 | 609248415.6925732 | 0.6226626736773991 | 382312069.74342906 | 211299862.25870416 | 593611932.0021331 | 0.6440437752893 AVOIR DES ACTIONNAIRES Capital versé | 0 | 21878488.76157 | 21878488.76157 | 0 | 0 | 21883113.76157 | 21883113.76157 | 0 Réserves | 0 | 9151922.4443 | 9151922.4443 | 0 | 0 | 9131694.150139999 | 9131694.150139999 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 3214263.27904 | 3214263.27904 | 0 | 0 | 1253740.31161 | 1253740.31161 | 0 BNR | 0 | 23262193.814492926 | 23262193.814492926 | 0 | 0 | 21139443.618803572 | 21139443.618803572 | 0 0 | 57506868.29940292 | 57506868.29940292 | 0 | 0 | 53407991.84212357 | 53407991.84212357 | 0 379356247.4488571 | 287399036.54311895 | 666755283.991976 | 0.568958741770425 | 382312069.74342906 | 264707854.10082772 | 647019923.8442568 | 0.5908814483979551 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes | 0 [somfinrésys] TRIM 1 25 | TRIM 1 24 | TRIM 2 25 | TRIM 2 24 | TRIM 3 25 | TRIM 3 24 | TRIM 4 25 | TRIM 4 24 | CUMUL 25 | CUMUL 24 SYSTÈME BANCAIRE SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 3406155.86207 | 0 | 0 | 0 | 0 | 0 | 0 | 4284522.191419999 | -0.11494310118318696 | 3792045.9236500002 | -0.006058314284307894 | 3769072.517664 | -0.03316913990734228 | 3644055.624004684 Intérêts sur Bons B.R.H. | 758670.37692 | 0 | 0 | 0 | 0 | 0 | 0 | 177151.97251999998 | 0.2546270216376367 | 222259.65166000003 | 0.6805110719842832 | 373509.80547 | 0.4914052274719789 | 557054.47639 Autres | 2251517.613481733 | 0 | 0 | 0 | 0 | 0 | 0 | 2327711.51646864 | 0.049744822527995516 | 2443503.1127517438 | 0.003211635300753878 | 2451350.7536061592 | -0.04295342450062041 | 2346056.844086598 6416343.852471733 | 0 | 0 | 0 | 0 | 0 | 0 | 6789385.68040864 | -0.04883755437604465 | 6457808.688061744 | 0.02107903706253511 | 6593933.076740159 | -0.007092297072871859 | 6547166.944481282 Dépenses d'intérêt | 1053655.32644 | 0 | 0 | 0 | 0 | 0 | 0 | 1045951.56074 | -0.06610676039156639 | 976807.0915329759 | 0.06248377024089572 | 1037841.68141 | 0.03700346658640079 | 1076245.421390029 5362688.526031733 | 0 | 0 | 0 | 0 | 0 | 0 | 5743434.11966864 | -0.04569261484886891 | 5481001.596528769 | 0.013700014035563568 | 5556091.395330159 | -0.015329098493680388 | 5470921.523091253 0 | 0 | 0 AUTRES REVENUS | 0 | 0 | 0 Commissions | 1843099.8900233335 | 0 | 0 | 0 | 0 | 0 | 0 | 1961211.5126999998 | -0.18687093910408914 | 1594718.0755399996 | 0.09118497920893187 | 1740132.4101022223 | 0.294952789411815 | 2253389.318407777 Gains sur change | 895146.8119799999 | 0 | 0 | 0 | 0 | 0 | 0 | 1186051.5796605824 | -0.1657552545696512 | 989457.2981412056 | -0.014266138053164687 | 975341.5637282118 | -0.08479074985891405 | 892641.6211711309 Autres | 813608.4956854434 | 0 | 0 | 0 | 0 | 0 | 0 | 721626.1488292546 | 0.16069209373973947 | 837585.7655819723 | -0.5291013382417191 | 394418.0161203359 | 2.5689454903186966 | 1407656.3999331198 3551855.1976887765 | 0 | 0 | 0 | 0 | 0 | 0 | 3868889.2411898365 | -0.11557014792937034 | 3421761.1392631778 | -0.09114287544324727 | 3109891.98995077 | 0.4642590013501122 | 4553687.339512028 0 | 0 | 0 PRODUIT NET BANCAIRE | 8914543.72372051 | 0 | 0 | 0 | 0 | 0 | 0 | 9612323.360858478 | -0.07381780641669558 | 8902762.735791946 | -0.026596165430657587 | 8665983.38528093 | 0.15677683846359095 | 10024608.86260328 0 | 0 | 0 Dotation à la provision pour créances douteuses | 463140.4115434877 | 0 | 0 | 0 | 0 | 0 | 0 | 979920.3727152854 | -0.16511045132223182 | 818125.277716415 | 0.09187698496103694 | 893292.1615534102 | -0.20528468789160723 | 709912.9589728992 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 | 0 | 0 ET IMPÔTS SUR LE REVENU | 8451403.312177021 | 0 | 0 | 0 | 0 | 0 | 0 | 8632402.988143193 | -0.06345458278766997 | 8084637.458075531 | -0.03858506160179345 | 7772691.22372752 | 0.19838748710300222 | 9314695.903630381 0 | 0 | 0 DÉPENSES D'EXPLOITATION | 0 | 0 | 0 Salaires et avantages sociaux | 3211311.9183199997 | 0 | 0 | 0 | 0 | 0 | 0 | 2923114.28958 | 0.0017817332078206784 | 2928322.49938 | 0.019700847666954367 | 2986012.9348600004 | -0.0640179256520745 | 2794854.5808 Frais de locaux | 381504.11469 | 0 | 0 | 0 | 0 | 0 | 0 | 354660.94539999997 | 0.06471393049526342 | 377612.44917 | 0.07498431275832397 | 405927.45915999997 | 0.4738973127706952 | 598295.3912357601 Amortissement | 423939.87699 | 0 | 0 | 0 | 0 | 0 | 0 | 401527.75710999995 | 0.025931737334780457 | 411940.06944 | 0.009654415957657415 | 415917.11022000003 | 0.01997051017114068 | 424223.1871 Autres dépenses d'exploitation | 2528773.8576871324 | 0 | 0 | 0 | 0 | 0 | 0 | 2585481.361933655 | 0.004115518501245664 | 2596121.958313319 | 0.002826152142294562 | 2603458.993947464 | 0.13575882274189194 | 2956901.522022562 6545529.767687133 | 0 | 0 | 0 | 0 | 0 | 0 | 6264784.354023656 | 0.007855437553577573 | 6313996.9763033185 | 0.015413298778791022 | 6411316.498187465 | 0.05661211438765637 | 6774274.681158322 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1905873.5444898885 | 0 | 0 | 0 | 0 | 0 | 0 | 2367618.6341195367 | -0.2521428678353543 | 1770640.4817722123 | -0.23113995215026842 | 1361374.725540055 | 0.8660705056532314 | 2540421.2224720595 0 | 0 | 0 Impôts sur le revenu | 294962.86473696714 | 0 | 0 | 0 | 0 | 0 | 0 | 483383.99535077263 | -0.456650113465804 | 262646.63902628864 | 0.2585865477456239 | 330563.5266890877 | 0.35781469216145 | 448844.01323114685 0 | 0 | 0 | 0 BÉNÉFICE NET | 1610910.6797529212 | 0 | 0 | 0 | 0 | 0 | 0 | 1884234.6387687642 | -0.1996783140918647 | 1507993.8427459237 | -0.31643540601336206 | 1030811.1988509672 | 1.0290594548956866 | 2091577.2092409127 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 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 | 2024 Revenus d'intérêt Prêts | 3406155.86207 | -0.20500916790884596 | 4284522.191419999 | 0 | 0 | 3792045.9236500002 | 0 | 0 | 3769072.517664 | 0 | 0 | 3644055.624004684 | 3406155.86207 | -0.20500916790884596 | 4284522.191419999 | 15489696.256738683 Intérêts sur Bons B.R.H. | 758670.37692 | 3.282596271031349 | 177151.97251999998 | 0 | 0 | 222259.65166000003 | 0 | 0 | 373509.80547 | 0 | 0 | 557054.47639 | 758670.37692 | 3.282596271031349 | 177151.97251999998 | 1329975.90604 Autres | 2251517.613481733 | -0.03273339606211183 | 2327711.51646864 | 0 | 0 | 2443503.1127517438 | 0 | 0 | 2451350.7536061592 | 0 | 0 | 2346056.844086598 | 2251517.613481733 | -0.03273339606211183 | 2327711.51646864 | 9568622.226913141 6416343.852471733 | -0.05494485738427731 | 6789385.68040864 | 0 | 0 | 6457808.688061744 | 0 | 0 | 6593933.076740159 | 0 | 0 | 6547166.944481282 | 6416343.852471733 | -0.05494485738427731 | 6789385.68040864 | 26388294.389691822 Dépenses d'intérêt | 1053655.32644 | 0.007365317849470633 | 1045951.56074 | 0 | 0 | 976807.0915329759 | 0 | 0 | 1037841.68141 | 0 | 0 | 1076245.421390029 | 1053655.32644 | 0.007365317849470633 | 1045951.56074 | 4136845.7550730044 5362688.526031733 | -0.06629232366974103 | 5743434.11966864 | 0 | 0 | 5481001.596528769 | 0 | 0 | 5556091.395330159 | 0 | 0 | 5470921.523091253 | 5362688.526031733 | -0.06629232366974103 | 5743434.11966864 | 22251448.63461882 AUTRES REVENUS Commissions | 1843099.8900233335 | -0.06022380651542377 | 1961211.5126999998 | 0 | 0 | 1594718.0755399996 | 0 | 0 | 1740132.4101022223 | 0 | 0 | 2253389.318407777 | 1843099.8900233335 | -0.06022380651542377 | 1961211.5126999998 | 7549451.316749999 Gains sur change | 895146.8119799999 | -0.2452715992029891 | 1186051.5796605824 | 0 | 0 | 989457.2981412056 | 0 | 0 | 975341.5637282118 | 0 | 0 | 892641.6211711309 | 895146.8119799999 | -0.2452715992029891 | 1186051.5796605824 | 4043492.0627011308 Autres | 813608.4956854434 | 0.127465373871801 | 721626.1488292546 | 0 | 0 | 837585.7655819723 | 0 | 0 | 394418.0161203359 | 0 | 0 | 1407656.3999331198 | 813608.4956854434 | 0.127465373871801 | 721626.1488292546 | 3361286.3304646825 3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 | 0 | 0 | 3421761.1392631778 | 0 | 0 | 3109891.98995077 | 0 | 0 | 4553687.339512028 | 3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 | 14954229.709915813 PRODUIT NET BANCAIRE | 8914543.72372051 | -0.07259219347315521 | 9612323.360858478 | 0 | 0 | 8902762.735791946 | 0 | 0 | 8665983.38528093 | 0 | 0 | 10024608.86260328 | 8914543.72372051 | -0.07259219347315521 | 9612323.360858478 | 37205678.344534636 Dotation à la provision pour créances douteuses | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 | 0 | 0 | 818125.277716415 | 0 | 0 | 893292.1615534102 | 0 | 0 | 709912.9589728992 | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 | 3401250.77095801 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 8451403.312177021 | -0.020967472929007004 | 8632402.988143193 | 0 | 0 | 8084637.458075531 | 0 | 0 | 7772691.22372752 | 0 | 0 | 9314695.903630381 | 8451403.312177021 | -0.020967472929007004 | 8632402.988143193 | 33804427.57357663 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3211311.9183199997 | 0.09859266528419199 | 2923114.28958 | 0 | 0 | 2928322.49938 | 0 | 0 | 2986012.9348600004 | 0 | 0 | 2794854.5808 | 3211311.9183199997 | 0.09859266528419199 | 2923114.28958 | 11632304.304620001 Frais de locaux | 381504.11469 | 0.07568684863151569 | 354660.94539999997 | 0 | 0 | 377612.44917 | 0 | 0 | 405927.45915999997 | 0 | 0 | 598295.3912357601 | 381504.11469 | 0.07568684863151569 | 354660.94539999997 | 1736496.24496576 Amortissement | 423939.87699 | 0.05581711222484724 | 401527.75710999995 | 0 | 0 | 411940.06944 | 0 | 0 | 415917.11022000003 | 0 | 0 | 424223.1871 | 423939.87699 | 0.05581711222484724 | 401527.75710999995 | 1653608.12387 Autres dépenses d'exploitation | 2528773.8576871324 | -0.021933054742313714 | 2585481.361933655 | 0 | 0 | 2596121.958313319 | 0 | 0 | 2603458.993947464 | 0 | 0 | 2956901.522022562 | 2528773.8576871324 | -0.021933054742313714 | 2585481.361933655 | 10741963.836217001 6545529.767687133 | 0.04481326056868399 | 6264784.354023656 | 0 | 0 | 6313996.9763033185 | 0 | 0 | 6411316.498187465 | 0 | 0 | 6774274.681158322 | 6545529.767687133 | 0.04481326056868399 | 6264784.354023656 | 25764372.50967276 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1905873.5444898885 | -0.195025112142421 | 2367618.6341195367 | 0 | 0 | 1770640.4817722123 | 0 | 0 | 1361374.725540055 | 0 | 0 | 2540421.2224720595 | 1905873.5444898885 | -0.195025112142421 | 2367618.6341195367 | 8040055.063903868 0 | 0 | 0 Impôts sur le revenu | 294962.86473696714 | -0.38979596433902564 | 483383.99535077263 | 0 | 0 | 262646.63902628864 | 0 | 0 | 330563.5266890877 | 0 | 0 | 448844.01323114685 | 294962.86473696714 | -0.38979596433902564 | 483383.99535077263 | 1525438.1742972957 BÉNÉFICE NET | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 | 0 | 0 | 1507993.8427459237 | 0 | 0 | 1030811.1988509672 | 0 | 0 | 2091577.2092409127 | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 | 6514616.889606573 Marge nette en % Revenu d'intérêt | 0.8357857136920575 | -0.01015740841423507 | 0.8459431221062925 | 0 | 0 | 0.8487401626903637 | 0 | 0 | 0.842606579513076 | 0 | 0 | 0.8356166215835974 | 0.8357857136920575 | 0.8459431221062925 Frais d'exploitation en % Produit net bancaire | 0.7342529209061233 | 0.08250785170319253 | 0.6517450692029307 | 0 | 0 | 0.7092177073212382 | 0 | 0 | 0.7398256162222755 | 0 | 0 | 0.6757644885706909 | 0.7342529209061233 | 0.6517450692029307 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 3406155.86207 | -0.20500916790884596 | 4284522.191419999 | 15489696.256738683 | -0.13992857537666614 | 18009778.97099925 | 0.24098209778402271 | 14512521.174285 | 0.14894066939830933 | 12631218.966149999 Intérêts sur Bons B.R.H. | 758670.37692 | 3.282596271031349 | 177151.97251999998 | 1329975.90604 | 1.6212740243992865 | 507377.66966 | -0.32144906587356115 | 747737.0439599999 | 0.24988393343258522 | 598245.1841800001 Autres | 2251517.613481733 | -0.03273339606211183 | 2327711.51646864 | 9568622.226913143 | 0.13512274044143233 | 8429592.57709175 | 0.8803481196219355 | 4482995.722508347 | 0.21377301091073125 | 3693438.2971200002 6416343.852471733 | -0.05494485738427731 | 6789385.68040864 | 26388294.389691826 | -0.02072438584507596 | 26946749.217750996 | 0.3648585637714176 | 19743253.94075335 | 0.1666588519351967 | 16922902.44745 Dépenses d'intérêt | 1053655.32644 | 0.007365317849470633 | 1045951.56074 | 4136845.7550730053 | 0.08240702010865569 | 3821894.7939359583 | 0.18496613342748142 | 3225319.8518688753 | 0.08196661665972088 | 2980979.0821700003 5362688.526031733 | -0.06629232366974103 | 5743434.11966864 | 22251448.63461882 | -0.03776913675602411 | 23124854.423815038 | 0.3999846651147861 | 16517934.088884473 | 0.18476724165760305 | 13941923.36528 AUTRES REVENUS Commissions | 1843099.8900233335 | -0.06022380651542377 | 1961211.5126999998 | 7549451.316749999 | -0.011865182771838446 | 7640102.5296600005 | 0.22101637440058797 | 6257166.31639 | 0.21217951411545213 | 5161913.927374 Gains sur change | 895146.8119799999 | -0.2452715992029891 | 1186051.5796605824 | 4043492.062701131 | -0.20861083313328907 | 5109359.885112192 | -0.1136533916917172 | 5764516.767164173 | 0.34233545924766406 | 4294393.57163 Autres | 813608.4956854434 | 0.127465373871801 | 721626.1488292546 | 3361286.3304646825 | -0.11173966238884321 | 3784122.9515035637 | -0.05219042046972708 | 3992492.83108 | -0.03200602339378654 | 4124501.729936046 3551855.1976887765 | -0.081944460990452 | 3868889.2411898365 | 14954229.709915813 | -0.09552408756913792 | 16533585.366275756 | 0.03243435406294831 | 16014175.914634172 | 0.17917685497773875 | 13580809.228940045 PRODUIT NET BANCAIRE | 8914543.72372051 | -0.07259219347315521 | 9612323.360858478 | 37205678.344534636 | -0.06184714927108687 | 39658439.79009079 | 0.21905525912095372 | 32532110.003518645 | 0.18200872286753245 | 27522732.594220046 Dotation à la provision pour créances douteuses | 463140.4115434877 | -0.5273693409800629 | 979920.3727152854 | 3401250.77095801 | 0.26684421128219277 | 2684821.6542076245 | 0.08899862951902796 | 2465404.0707043083 | 0.34558569385621807 | 1832216.32183 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 8451403.312177021 | -0.020967472929007004 | 8632402.988143193 | 33804427.57357663 | -0.08571491571799449 | 36973618.13588317 | 0.22971961805535648 | 30066705.932814337 | 0.17034261258219416 | 25690516.272390045 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 3211311.9183199997 | 0.09859266528419199 | 2923114.28958 | 11632304.30462 | 0.014452648548123382 | 11466581.82742 | 0.22413691001391725 | 9367074.657760002 | 0.21844878818332833 | 7687704.849479999 Frais de locaux | 381504.11469 | 0.07568684863151569 | 354660.94539999997 | 1736496.24496576 | 0.06249585882709251 | 1634355.7770500001 | 0.23986735871515127 | 1318169.8554784514 | 0.0325115557084071 | 1276663.5377500001 Amortissement | 423939.87699 | 0.05581711222484724 | 401527.75710999995 | 1653608.12387 | 0.1851570332448688 | 1395264.9965233284 | 0.11114514375329043 | 1255700.0355600002 | 0.02161948411931887 | 1229126.94509 Autres dépenses d'exploitation | 2528773.8576871324 | -0.021933054742313714 | 2585481.361933655 | 10741963.836217001 | 0.03395819551095257 | 10389166.48937497 | 0.360481389191059 | 7636390.010121607 | 0.28913567867358814 | 5923651.1225713715 6545529.767687133 | 0.04481326056868399 | 6264784.354023656 | 25764372.50967276 | 0.03532209693625464 | 24885369.090368297 | 0.2711316249652447 | 19577334.55892006 | 0.21468987166636816 | 16117146.45489137 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1905873.5444898885 | -0.195025112142421 | 2367618.6341195367 | 8040055.063903868 | -0.33488671240712176 | 12088249.04551487 | 0.15242835958690956 | 10489371.373894278 | 0.09568224918265361 | 9573369.817498675 Impôts sur le revenu | 294962.86473696714 | -0.38979596433902564 | 483383.99535077263 | 1525438.174297296 | -0.2831039730434334 | 2127837.394738017 | 0.5266943923798346 | 1393754.6409803154 | 0.24739744363036792 | 1117330.0443233203 BÉNÉFICE NET | 1610910.6797529212 | -0.14505834538443896 | 1884234.6387687642 | 6514616.889606573 | -0.34594903122317533 | 9960411.650776854 | 0.09507820560792647 | 9095616.732913963 | 0.0756355193322889 | 8456039.773175355 [pageint.sect3] SECTION 3 SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE [somfindétfsfin ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ FAITS SAILLANTS FINANCIERS (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME BILAN AU 31 DECEMBRE 2024 Actif | 124953871.99841 | 7560246.97747 | 47006480.58155779 | 53031387 | 175590326.47918 | 245612840.78270063 | 653755153.8193184 | 11837238.140819909 | 11837238.140819909 | 1162892 | 1162892 | 666755283.9601383 Bons B.R.H. | 15000000 | 1300000 | 0 | 0 | 2250000 | 2200000 | 20750000 | 0 | 0 | 0 | 0 | 20750000 Prêts | 15729675 | 171676.19908000017 | 14287856.408734636 | 11777384 | 28611827.434189998 | 42313270.945769995 | 112891689.98777464 | 4810309.517329908 | 4810309.517329908 | 0 | 0 | 117701999.50510454 Dépôts | 98246412 | 4781307.22223 | 37716220.14935127 | 41021530 | 146795354.49559367 | 205519984.5728756 | 534080808.4400505 | 7972246.800559405 | 7972246.800559405 | 3 | 3 | 542053058.2406099 Avoir des Actionnaires | 11750872 | 1399600.9995900001 | 3351421.270412923 | 5502296 | 12798083.616810001 | 21003199.882400002 | 55805473.76921293 | 1119428.53019 | 1119428.53019 | 581966 | 581966 | 57506868.29940293 AU 30 SEPTEMBRE 2024 Actif | 118380006.99841 | 5454045.17454032 | 46339942.645078175 | 52269740 | 168891239.55850002 | 240540982.14141735 | 631875956.5179459 | 12061886.318570152 | 12061886.318570152 | 3082081 | 3082081 | 647019923.836516 Bons B.R.H. | 14900000 | 0 | 0 | 1500000 | 2500000 | 0 | 18900000 | 0 | 0 | 0 | 0 | 18900000 Prêts | 15801864 | 175349.8027703201 | 12398174.758378172 | 11569274 | 28451664.77642 | 41228653.55623999 | 109624980.89380848 | 4921953.2070201505 | 4921953.2070201505 | 13861 | 13861 | 114560795.10082863 Dépôts | 93143324 | 4589224.614600001 | 38131561.75702027 | 40437869 | 140784544.51718095 | 202184009.08663866 | 519270532.9754399 | 8185798.482926981 | 8185798.482926981 | 1939482 | 1939482 | 529395813.4583669 Avoir des Actionnaires | 11370621 | -564220.4805200001 | 3314828.1831235653 | 5393692 | 11898038.289220005 | 20256104.8001 | 51669063.79192357 | 1107704.0502000004 | 1107704.0502000004 | 631224 | 631224 | 53407991.84212357 VARIATION Déc. 24/Sept. 24 Actif | 0.05553188554962913 | 0.386172416165804 | 0.014383659073225181 | 0.014571470988759463 | 0.03966509416469513 | 0.021085216315868613 | 0.03462577911959392 | -0.01862463066032886 | -0.01862463066032886 | -0.6226925898443292 | -0.6226925898443292 | 0.030501935715674926 Bons B.R.H. | 0 | 0 | 0 | -1 | -0.1 | 0 | 0.09788359788359788 | 0 | 0 | 0 | 0 | 0.09788359788359788 Prêts | -0.004568385096846803 | -0.020950144410095257 | 0.15241611666100252 | 0.01798816416656741 | 0.005629289499528172 | 0.026307368685966833 | 0.02979894789792987 | -0.022682801927292977 | -0.022682801927292977 | -1 | -1 | 0.027419540877935022 Dépôts | 0.05478747999158802 | 0.04185513322205118 | -0.01089233140555897 | 0.014433525169192274 | 0.042695098379063726 | 0.016499699958009133 | 0.028521309267728202 | -0.026088069821530238 | -0.026088069821530238 | -0.9999984531952346 | -0.9999984531952346 | 0.023908849409966883 Avoir des Actionnaires | 0.03344153322848418 | 3.4805923356417194 | 0.011039210863374482 | 0.020135372950476224 | 0.07564653144589939 | 0.03688246529492262 | 0.08005583367926107 | 0.010584487786139962 | 0.010584487786139962 | -0.07803568939077095 | -0.07803568939077095 | 0.07674650021284878 RÉSULTATS TRIM 1 2025 (Octobre-Décembre 2024) Revenus nets d'intérêt | 1359275 | 44401.059290000005 | 291859.6677417329 | 428551 | 1116696.38623 | 2015832.30079 | 5256615.414051733 | 100112.11197999999 | 100112.11197999999 | 5961 | 5961 | 5362688.526031733 Autres revenus | 299216 | 2590.34919 | 279856.8924487768 | 545239 | 897267.68917 | 1471902.5240000002 | 3496072.454808777 | 19579.742880000005 | 19579.742880000005 | 36203 | 36203 | 3551855.197688777 Dot. à la provision pr créances dout. | 170000 | 0 | -12915.2223965123 | 15144 | 162139.35283 | 127569.23956999999 | 461937.3700034877 | 1203.0415399999983 | 1203.0415399999983 | 0 | 0 | 463140.4115434877 Frais d'exploitation | 1108240 | 63017.31897 | 532355.943597132 | 814737 | 1416827.27834 | 2424621.44549 | 6359798.986397131 | 95035.78129 | 95035.78129 | 90695 | 90695 | 6545529.767687132 Bénéfice net | 380251 | -16025.910489999995 | 36593.087292922966 | 135670 | 347873.64423000003 | 757959.1453399999 | 1642320.966372923 | 17120.713379999987 | 17120.713379999987 | -48531 | -48531 | 1610910.679752923 TRIM 1 2024 (Octobre.-Décembre 2023) Revenus nets d'intérêt | 1451074 | 41483.02239 | 313755.06545864 | 502939 | 1230692.93079 | 2065121.0358399998 | 5605065.05447864 | 118978.06519000005 | 118978.06519000005 | 19391 | 19391 | 5743434.11966864 Autres revenus | 347536 | 12121.46314 | 310263.0471698372 | 616649 | 976069.6256500001 | 1512647.5709499998 | 3775286.706909837 | 17599.53428 | 17599.53428 | 76003 | 76003 | 3868889.241189837 Dot. à la provision pr créances dout. | 300000 | 9000 | 4685.614875285388 | 61050 | 352491.31236999994 | 254514.85327000002 | 981741.7805152854 | -1821.4077999999997 | -1821.4077999999997 | 0 | 0 | 979920.3727152854 Frais d'exploitation | 1061544 | 77785.05622999999 | 570312.8641136549 | 709779 | 1411165.79615 | 2276514.5194800003 | 6107101.235973655 | 96129.11805000002 | 96129.11805000002 | 61554 | 61554 | 6264784.354023655 Bénéfice net | 437066 | -33180.57069999999 | 31921.67274816414 | 270862 | 301255.44791999995 | 822123.0696699995 | 1830047.6196381636 | 30857.019130600005 | 30857.019130600005 | 23330 | 23330 | 1884234.6387687635 VARIATION TRIM 1 25 / TRIM 1 24 Revenus nets d'intérêt | -0.06326279707306451 | 0.07034291938919657 | -0.06978500151033704 | -0.14790660497595134 | -0.09262793480647019 | -0.023867237897729956 | -0.06216692171101271 | -0.15856664991040487 | -0.15856664991040487 | -0.6925893455726884 | -0.6925893455726884 | -0.06629232366974103 Autres revenus | -0.1390359559872934 | -0.7863006173362005 | -0.09800121219210538 | -0.11580331760855851 | -0.08073392963900805 | -0.02693624591246341 | -0.07395842323445775 | 0.11251482956854728 | 0.11251482956854728 | -0.5236635395971212 | -0.5236635395971212 | -0.081944460990452 Dot. à la provision pr créances dout. | -0.43333333333333335 | 0 | -3.7563559405265186 | -0.7519410319410319 | -0.5400188681535305 | -0.49877487332863363 | -0.5294716195525149 | 1.6605009268105686 | 1.6605009268105686 | 0 | 0 | -0.5273693409800629 Frais d'exploitation | 0.04398875600069333 | -0.1898531411526369 | -0.06655455786625689 | 0.14787419746146335 | 0.004011918518324197 | 0.06505863447944539 | 0.04137769142174511 | -0.011373627285661131 | -0.011373627285661131 | 0.473421711017968 | 0.473421711017968 | 0.044813260568683996 Bénéfice net | -0.1299918090174024 | 0.5170091968912397 | 0.1463399046037613 | -0.4991176318568127 | 0.15474640087630817 | -0.07804661698126902 | -0.10258020132960138 | -0.44515984167045236 | -0.44515984167045236 | -3.080197171024432 | -3.080197171024432 | -0.14505834538443765 RÉSULTATS CUMUL 2025 (Octobre 2024 - Décembre 2024) Revenus nets d'intérêt | 1359275 | 44401.059290000005 | 291859.6677417329 | 428551 | 1116696.38623 | 2015832.30079 | 5256615.414051733 | 100112.11197999999 | 100112.11197999999 | 5961 | 5961 | 5362688.526031733 Autres revenus | 299216 | 2590.34919 | 279856.8924487768 | 545239 | 897267.68917 | 1471902.5240000002 | 3496072.454808777 | 19579.742880000005 | 19579.742880000005 | 36203 | 36203 | 3551855.197688777 Dot. à la provision pr créances dout. | 170000 | 0 | -12915.2223965123 | 15144 | 162139.35283 | 127569.23956999999 | 461937.3700034877 | 1203.0415399999983 | 1203.0415399999983 | 0 | 0 | 463140.4115434877 Frais d'exploitation | 1108240 | 63017.31897 | 532355.943597132 | 814737 | 1416827.27834 | 2424621.44549 | 6359798.986397131 | 95035.78129 | 95035.78129 | 90695 | 90695 | 6545529.767687132 Bénéfice net | 380251 | -16025.910489999995 | 36593.087292922966 | 135670 | 347873.64423000003 | 757959.1453399999 | 1642320.966372923 | 17120.713379999987 | 17120.713379999987 | -48531 | -48531 | 1610910.679752923 CUMUL 2024 (Octobre 2023 - Décembre 2023) Revenus nets d'intérêt | 1451074 | 41483.02239 | 313755.06545864 | 502939 | 1230692.93079 | 2065121.0358399998 | 5605065.05447864 | 118978.06519000005 | 118978.06519000005 | 19391 | 19391 | 5743434.11966864 Autres revenus | 347536 | 12121.46314 | 310263.0471698372 | 616649 | 976069.6256500001 | 1512647.5709499998 | 3775286.706909837 | 17599.53428 | 17599.53428 | 76003 | 76003 | 3868889.241189837 Dot. à la provision pr créances dout. | 300000 | 9000 | 4685.614875285388 | 61050 | 352491.31236999994 | 254514.85327000002 | 981741.7805152854 | -1821.4077999999997 | -1821.4077999999997 | 0 | 0 | 979920.3727152854 Frais d'exploitation | 1061544 | 77785.05622999999 | 570312.8641136549 | 709779 | 1411165.79615 | 2276514.5194800003 | 6107101.235973655 | 96129.11805000002 | 96129.11805000002 | 61554 | 61554 | 6264784.354023655 Bénéfice net | 437066 | -33180.57069999999 | 31921.67274816414 | 270862 | 301255.44791999995 | 822123.0696699995 | 1830047.6196381636 | 30857.019130600005 | 30857.019130600005 | 23330 | 23330 | 1884234.6387687635 VARIATION CUMUL 2025/ CUMUL 2024 Revenus nets d'intérêt | -0.06326279707306451 | 0.07034291938919657 | -0.06978500151033704 | -0.14790660497595134 | -0.09262793480647019 | -0.023867237897729956 | -0.06216692171101271 | -0.15856664991040487 | -0.15856664991040487 | -0.6925893455726884 | -0.6925893455726884 | -0.06629232366974103 Autres revenus | -0.1390359559872934 | -0.7863006173362005 | -0.09800121219210538 | -0.11580331760855851 | -0.08073392963900805 | -0.02693624591246341 | -0.07395842323445775 | 0.11251482956854728 | 0.11251482956854728 | -0.5236635395971212 | -0.5236635395971212 | -0.081944460990452 Dot. à la provision pr créances dout. | -0.43333333333333335 | 0 | -3.7563559405265186 | -0.7519410319410319 | -0.5400188681535305 | -0.49877487332863363 | -0.5294716195525149 | 1.6605009268105686 | 1.6605009268105686 | 0 | 0 | -0.5273693409800629 Frais d'exploitation | 0.04398875600069333 | -0.1898531411526369 | -0.06655455786625689 | 0.14787419746146335 | 0.004011918518324197 | 0.06505863447944539 | 0.04137769142174511 | -0.011373627285661131 | -0.011373627285661131 | 0.473421711017968 | 0.473421711017968 | 0.044813260568683996 Bénéfice net | -0.1299918090174024 | 0.5170091968912397 | 0.1463399046037613 | -0.4991176318568127 | 0.15474640087630817 | -0.07804661698126902 | -0.10258020132960138 | -0.44515984167045236 | -0.44515984167045236 | -3.080197171024432 | -3.080197171024432 | -0.14505834538443765 0 | 0 [sysratfinclé déc. 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 décembre 2024 | 0.09404167963798293 | 0.18512635946430017 | 0.07129700477358855 | 0.10375546089337621 | 0.07288604032709904 | 0.08551344390410769 | 0.08536142842345555 | 0.09456838807100848 | 0.09456838807100848 | 0.5004471610433299 | 0.5004471610433299 | 0.08624883774125582 Au 30 septembre 2024 | 0.09605186963836489 | -0.10344990964757711 | 0.07153285036436353 | 0.1031895701030845 | 0.07044793039782742 | 0.084210618164813 | 0.08177089705494456 | 0.09183505970327455 | 0.09183505970327455 | 0.20480448112817282 | 0.20480448112817282 | 0.08254458614727032 Dépôts en % de l'actif Au 31 décembre 2024 | 0.7862614453536114 | 0.6324273845125151 | 0.8023621356615369 | 0.7735330399712156 | 0.8360104878157932 | 0.8367640059776186 | 0.8169431710325867 | 0.6734887568974096 | 0.6734887568974096 | 2.579775249980222e-06 | 2.579775249980222e-06 | 0.8129715223569435 Au 30 septembre 2024 | 0.7868163413882129 | 0.8414350207480251 | 0.8228659678988678 | 0.7736382273950473 | 0.833581095651894 | 0.8405387193761931 | 0.8217918843390779 | 0.6786499446877018 | 0.6786499446877018 | 0.6292767776057799 | 0.6292767776057799 | 0.8182063433832226 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2024 | 0.44710630785210487 | 0.9322462463523669 | 0.0071179587621141354 | 0.025252646383929597 | 0.046094988796859554 | 0.005380708375232739 | 0.10239270291349188 | 0.13361507765862504 | 0.13361507765862504 | 0 | 0 | 0.10364293963986565 Au 30 septembre 2024 | 0.4523539539627359 | 0.9382284066400062 | 0.002727897304453172 | 0.013240075016499053 | 0.04302645831229958 | 0.0055162569408632525 | 0.10386132683328557 | 0.09914801393711056 | 0.09914801393711056 | 0 | 0 | 0.10365241934999576 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2024 | 0.5493016910492151 | 0.9316074566646522 | 2.7771913725877284 | 1.2231475464467216 | 1.7146754948367653 | 4.912296839064194 | 0.8338419173418982 | 0.4756179973490498 | 0.4756179973490498 | 0 | 0 | 0.815349373868317 Au 30 septembre 2024 | 0.5450641831583191 | 0.9232978904696956 | 7.098174752274438 | 2.2618946595147778 | 1.764311866663446 | 5.035422392966732 | 0.8360379979173148 | 0.6279397687536507 | 0.6279397687536507 | 0 | 0 | 0.8277004954582138 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2024 | 0.35755474146939903 | 0.059467323140152586 | -0.055017241765893725 | -0.012169646998271267 | -0.07996897376773829 | -0.04356080873641879 | 0.037542868882730715 | 0.32151051428586236 | 0.32151051428586236 | 0 | 0 | 0.04269065069449058 Au 30 septembre 2024 | 0.37958155495640916 | -0.16723416050804674 | -0.06344777233175647 | -0.03694352588171516 | -0.08509915239870834 | -0.046602656203938074 | 0.03956629098414304 | 0.1747946332077859 | 0.1747946332077859 | 0 | 0 | 0.04190335301582836 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2025 (octobre -décembre 2024) | 0.012501374705984752 | -0.009851268315057438 | 0.003136110503480442 | 0.010307202125196627 | 0.008078775261767104 | 0.01247274602562666 | 0.010219547135520627 | 0.005730992667649192 | 0.005730992667649192 | -0.09146065239990926 | -0.09146065239990926 | 0.009809353503965702 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 CUMUL 2025 (octobre 2024-décembre 2024) | 0.012501374705984752 | -0.009851268315057438 | 0.003136110503480442 | 0.010307202125196627 | 0.008078775261767104 | 0.01247274602562666 | 0.010219547135520627 | 0.005730992667649192 | 0.005730992667649192 | -0.09146065239990926 | -0.09146065239990926 | 0.009809353503965702 CUMUL 2024 (octobre 2023-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 ROE (rendement de l'avoir des actionn.) TRIM 1 2025 (octobre -décembre 2024) | 0.13156624444623882 | -0.1534717185681187 | 0.04391445300446727 | 0.09961097607669905 | 0.11268931876953858 | 0.1469649866710402 | 0.12224819040053618 | 0.06149867692924476 | 0.06149867692924476 | -0.32002242023096134 | -0.32002242023096134 | 0.1161907919423899 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 CUMUL 2025 (octobre 2024-décembre 2024) | 0.13156624444623882 | -0.1534717185681187 | 0.04391445300446727 | 0.09961097607669905 | 0.11268931876953858 | 0.1469649866710402 | 0.12224819040053618 | 0.06149867692924476 | 0.06149867692924476 | -0.32002242023096134 | -0.32002242023096134 | 0.1161907919423899 CUMUL 2024 (octobre 2023-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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2025 (octobre -décembre 2024) | 0.8898253768227419 | 0.7077346710389653 | 0.7265901549010779 | 0.7556752658214456 | 0.818201502633546 | 0.861419989659761 | 0.8391718256755253 | 0.684146035723671 | 0.684146035723671 | 1 | 1 | 0.8357857136920575 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 CUMUL 2025 (octobre 2024-décembre 2024) | 0.8898253768227419 | 0.7077346710389653 | 0.7265901549010779 | 0.7556752658214456 | 0.818201502633546 | 0.861419989659761 | 0.8391718256755253 | 0.684146035723671 | 0.684146035723671 | 1 | 1 | 0.8357857136920575 CUMUL 2024 (octobre 2023-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 Rendement moyen des prêts TRIM 1 2025 (octobre -décembre 2024) | 0.08561352960488729 | 0.012147547117744042 | 0.10319740676738752 | 0.1504897486517485 | 0.0913683387912954 | 0.12503251261197215 | 0.10852482398681236 | 0.0824219910279685 | 0.0824219910279685 | 0.05425293990332588 | 0.05425293990332588 | 0.1074528573561957 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 CUMUL 2025 (octobre 2024-décembre 2024) | 0.08561352960488729 | 0.012147547117744042 | 0.10319740676738752 | 0.1504897486517485 | 0.0913683387912954 | 0.12503251261197215 | 0.10852482398681236 | 0.0824219910279685 | 0.0824219910279685 | 0.05425293990332588 | 0.05425293990332588 | 0.1074528573561957 CUMUL 2024 (octobre 2023-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 Rendement moyen des prêts productifs TRIM 1 2025 (octobre -décembre 2024) | 0.15558679563868433 | 0.18758929080732253 | 0.10372420256139463 | 0.15344124932434383 | 0.09563035708041806 | 0.12571737682864695 | 0.12100229906567465 | 0.09325819387372751 | 0.09325819387372751 | 0.05425293990332588 | 0.05425293990332588 | 0.11987791881073236 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 CUMUL 2025 (octobre 2024-décembre 2024) | 0.15558679563868433 | 0.18758929080732253 | 0.10372420256139463 | 0.15344124932434383 | 0.09563035708041806 | 0.12571737682864695 | 0.12100229906567465 | 0.09325819387372751 | 0.09325819387372751 | 0.05425293990332588 | 0.05425293990332588 | 0.11987791881073236 CUMUL 2024 (octobre 2023-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 Rémunération moyenne des dépôts TRIM 1 2025 (octobre -décembre 2024) | 0.007034860009420777 | 0.015654020735884212 | 0.011583660640261841 | 0.013607662388965084 | 0.006902343800572187 | 0.006363339068605313 | 0.007651281422559053 | 0.022883650530296003 | 0.022883650530296003 | 0 | 0 | 0.007867144100866096 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 CUMUL 2025 (octobre 2024-décembre 2024) | 0.007034860009420777 | 0.015654020735884212 | 0.011583660640261841 | 0.013607662388965084 | 0.006902343800572187 | 0.006363339068605313 | 0.007651281422559053 | 0.022883650530296003 | 0.022883650530296003 | 0 | 0 | 0.007867144100866096 CUMUL 2024 (octobre 2023-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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2025 (octobre -décembre 2024) | 0.6682218956871036 | 1.3410391603141834 | 0.9311536181840493 | 0.8366660162868791 | 0.7035017633363689 | 0.6951851466047132 | 0.7266109658752287 | 0.7940037473824809 | 0.7940037473824809 | 2.1510055971919173 | 2.1510055971919173 | 0.7342529209061232 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 CUMUL 2025 (octobre 2024-décembre 2024) | 0.6682218956871036 | 1.3410391603141834 | 0.9311536181840493 | 0.8366660162868791 | 0.7035017633363689 | 0.6951851466047132 | 0.7266109658752287 | 0.7940037473824809 | 0.7940037473824809 | 2.1510055971919173 | 2.1510055971919173 | 0.7342529209061232 CUMUL 2024 (octobre 2023-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 Productivité par employé ('000) TRIM 1 2025 (octobre -décembre 2024) | 8615.537662337661 | 1347.4238990681006 | 4907.43828489708 | 5152.328042328042 | 7411.091353817847 | 9097.4498201239 | 7367.582381195716 | 6469.829992432432 | 6469.829992432432 | 16865.6 | 16865.6 | 7373.485296708444 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 CUMUL 2025 (octobre 2024-décembre 2024) | 8615.537662337661 | 1347.4238990681006 | 4907.43828489708 | 5152.328042328042 | 7411.091353817847 | 9097.4498201239 | 7367.582381195716 | 6469.829992432432 | 6469.829992432432 | 16865.6 | 16865.6 | 7373.485296708444 CUMUL 2024 (octobre 2023-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 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 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 septembre 2024 | 0.09605186963836489 | -0.10344990964757711 | 0.07153285036436353 | 0.1031895701030845 | 0.07044793039782742 | 0.084210618164813 | 0.08177089705494456 | 0.09183505970327455 | 0.09183505970327455 | 0.20480448112817282 | 0.20480448112817282 | 0.08254458614727032 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 septembre 2024 | 0.7868163413882129 | 0.8414350207480251 | 0.8228659678988678 | 0.7736382273950473 | 0.833581095651894 | 0.8405387193761931 | 0.8217918843390779 | 0.6786499446877018 | 0.6786499446877018 | 0.6292767776057799 | 0.6292767776057799 | 0.8182063549439176 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 septembre 2024 | 0.4523539539627359 | 0.9382284066400062 | 0.002727897304453172 | 0.013240075016499053 | 0.04302645831229958 | 0.0055162569408632525 | 0.10386132683328557 | 0.09914801393711056 | 0.09914801393711056 | 0 | 0 | 0.10365241934999576 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 septembre 2024 | 0.5450641831583191 | 0.9232978904696956 | 7.098174752274438 | 2.2618946595147778 | 1.764311866663446 | 5.035422392966732 | 0.8360379979173148 | 0.6279397687536507 | 0.6279397687536507 | 0 | 0 | 0.8277004954582138 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 septembre 2024 | 0.37958155495640916 | N/A | -0.06344777233175647 | -0.03694352588171516 | -0.08509915239870834 | -0.046602656203938074 | 0.03956629098414304 | 0.1747946332077859 | 0.1747946332077859 | 0 | 0 | 0.04190335301582836 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 4 2024 (Juillet -Septembre 2024) | 0.007621353539365628 | -0.02270476536473646 | 0.005626252248950883 | 0.01513455725249151 | 0.008233782691649835 | 0.020699987771262016 | 0.012953840016028922 | 0.012593686847753775 | 0.012593686847753775 | 0.012765243897541445 | 0.012765243897541445 | 0.012946026623900235 TRIM 4 2023 (Juillet- septembre e 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 CUMUL 2024 (octobre 2023-septembre 2024) | 0.011964743583167042 | -0.00687979387098508 | 0.0027893171259060143 | 0.016579160262594303 | 0.005506599521324792 | 0.01290070319117264 | 0.010114607925878828 | 0.008728858383759027 | 0.008728858383759027 | 0.020165963007291128 | 0.020165963007291128 | 0.010158335094798817 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 ROE (rendement de l'avoir des actionn.) TRIM 4 2024 (Juillet -Septembre 2024) | 0.07558047413106543 | -0.22700859435131782 | 0.08044535531088381 | 0.14889069309524858 | 0.11853430020673153 | 0.25184576212423326 | 0.15905578887754176 | 0.13763464338885856 | 0.13763464338885856 | 0.08267382238381096 | 0.08267382238381096 | 0.15771643607891808 TRIM 4 2023 (Juillet- septembre e 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 CUMUL 2024 (octobre 2023-septembre 2024) | 0.12395383788951936 | -0.08125028551912283 | 0.04304582967163536 | 0.15892966147968088 | 0.08036774330939671 | 0.15382824024847003 | 0.12505213358959105 | 0.09777687034328576 | 0.09777687034328576 | 0.1515577997602221 | 0.1515577997602221 | 0.12478583461731642 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 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2024 (Juillet -Septembre 2024) | 0.8992073364714758 | 0.36600263372803415 | 0.7108487980664728 | 0.7729506556392852 | 0.8225628084975517 | 0.8547244108381175 | 0.8374895533208685 | 0.7622789386445062 | 0.7622789386445062 | 1 | 1 | 0.8356166215835974 TRIM 4 2023 (Juillet- septembre e 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 CUMUL 2024 (octobre 2023-septembre 2024) | 0.8985184161295512 | 0.5435420977459703 | 0.7144008024901575 | 0.7813907597271674 | 0.8193643220552945 | 0.8740787500979855 | 0.8459280597515547 | 0.7279026822540535 | 0.7279026822540535 | 0.9871134020618557 | 0.9871134020618557 | 0.8432317870195886 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 Rendement moyen des prêts TRIM 4 2024 (Juillet -Septembre 2024) | 0.08851566054730664 | 0.019068412025028004 | 0.1152276696445431 | 0.16204342918706444 | 0.10192499441125309 | 0.1270080064269907 | 0.11468492377015999 | 0.11691970086343184 | 0.11691970086343184 | 0.24344563884279632 | 0.24344563884279632 | 0.11481163114742397 TRIM 4 2023 (Juillet- septembre e 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 CUMUL 2024 (octobre 2023-septembre 2024) | 0.090355143987379 | 0.033756721476318904 | 0.11661704772677597 | 0.16147344511706513 | 0.10268870381728357 | 0.12556420320037712 | 0.11513723005799131 | 0.09968563802981496 | 0.09968563802981496 | 0.33978720324261724 | 0.33978720324261724 | 0.11462409373073733 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 Rendement moyen des prêts productifs TRIM 4 2024 (Juillet -Septembre 2024) | 0.15461481469977276 | 0.27386605387353063 | 0.11631269269527769 | 0.16539674692545822 | 0.11099280632616496 | 0.1279054370963204 | 0.12923225575818953 | 0.12997098794327588 | 0.12997098794327588 | 0.24344563884279632 | 0.24344563884279632 | 0.12929802644722643 TRIM 4 2023 (Juillet- septembre e 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 CUMUL 2024 (octobre 2023-septembre 2024) | 0.14511965277975675 | 0.43585208442128304 | 0.11792300687520087 | 0.16314125046881425 | 0.10874447708593747 | 0.12685422286581097 | 0.1271793351666389 | 0.10719609520952549 | 0.10719609520952549 | 0.33978720324261724 | 0.33978720324261724 | 0.12647243261518062 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 Rémunération moyenne des dépôts TRIM 4 2024 (Juillet -Septembre 2024) | 0.006840355331960396 | 0.02727841400242722 | 0.013117908436394491 | 0.013717875765872797 | 0.0068843188218471706 | 0.006693984126087855 | 0.007972145682650015 | 0.02242175439359788 | 0.02242175439359788 | 0 | 0 | 0.008149039181457915 TRIM 4 2023 (Juillet- septembre e 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 CUMUL 2024 (octobre 2023-septembre 2024) | 0.007058486427702675 | 0.023476402361626635 | 0.012822955781549315 | 0.013739245088030264 | 0.006989950791366009 | 0.0059463239423811765 | 0.007703283213537384 | 0.02261502254294954 | 0.02261502254294954 | 0.0003014443490668144 | 0.0003014443490668144 | 0.00789546015903963 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 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2024 (Juillet -Septembre 2024) | 0.7307630876852278 | 2.2717472124815346 | 0.8654414157550487 | 0.8194718761706639 | 0.7143760004947519 | 0.5509580306797519 | 0.6780126689778179 | 0.5448664646884424 | 0.5448664646884424 | 0.7373122607244528 | 0.7373122607244528 | 0.675764488570691 TRIM 4 2023 (Juillet- septembre e 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 CUMUL 2024 (octobre 2023-septembre 2024) | 0.6526968181592946 | 1.1789099687829194 | 0.929991403736984 | 0.7231875945464978 | 0.7138131971722493 | 0.6460347568688282 | 0.693914721541534 | 0.6469908741566881 | 0.6469908741566881 | 0.6238246768940396 | 0.6238246768940396 | 0.6924849554169584 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 Productivité par employé ('000) TRIM 4 2024 (Juillet -Septembre 2024) | 8837.110828025478 | 739.1328582641511 | 5145.252633340285 | 6827.918367346939 | 8010.7438854801985 | 10234.134193933096 | 8200.357201373396 | 11168.058937220609 | 11168.058937220609 | 23769.666666666668 | 23769.666666666668 | 8283.089330802133 TRIM 4 2023 (Juillet- septembre e 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 CUMUL 2024 (octobre 2023-septembre 2024) | 9027.229476405946 | 1625.820870188679 | 5171.435018066102 | 6045.573388203018 | 7466.291546319158 | 8940.653834762783 | 7603.821601784881 | 8248.304424523421 | 8248.304424523421 | 24826 | 24826 | 7663.37350041908 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 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 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 (janvier - mars 2023) | 0.012474169025777365 | -0.009800519885492914 | 0.011978860754924808 | 0.02726025494390717 | 0.0059854804351975 | 0.027531513668261513 | 0.01739884891788083 | 0.014622817743859819 | 0.014622817743859819 | 0.008328292837236836 | 0.008328292837236836 | 0.017065036390414463 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 (janvier - mars 2023) | 0.1521387288583535 | -0.1677454515043801 | 0.19071824004332602 | 0.30794810590954197 | 0.098807160504061 | 0.3574729135761009 | 0.24101517313269746 | 0.19231589927285853 | 0.19231589927285853 | 0.10861105543412668 | 0.10861105543412668 | 0.23602411452835267 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 (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 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 (janvier - mars 2023) | 0.0805737371297326 | 0.01555734666703605 | 0.0901905240775977 | 0.13758007705058187 | 0.10461532673406028 | 0.09559326437023316 | 0.09871617300309984 | 0.10546866632077467 | 0.10546866632077467 | 0.24347502249992242 | 0.24347502249992242 | 0.09557825374700764 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 (janvier - mars 2023) | 0.1168042380882673 | 0.14501270214608075 | 0.11749320065310036 | 0.1389493928754054 | 0.11617453341410951 | 0.09624681936865803 | 0.11109595593761727 | 0.11481843130506011 | 0.11481843130506011 | 0.24347502249992242 | 0.24347502249992242 | 0.10743364242943305 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 (janvier - mars 2023) | 0.006348543457685431 | 0.008361620481169743 | 0.012446419817858323 | 0.010340124932078214 | 0.0067847706264383524 | 0.0055269980924393825 | 0.006941659257316104 | 0.01956349508823465 | 0.01956349508823465 | 0.0009736366402376819 | 0.0009736366402376819 | 0.0067884508363516005 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 (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 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 (janvier - mars 2023) | 7112.235710076606 | 1580.893845669291 | 7346.258985725956 | 6235.599505562423 | 7886.354001875 | 12008.393538860335 | 8343.896733709196 | 9577.392936325825 | 9577.392936325825 | 14910.8 | 14910.8 | 8368.799842979308 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 (juillet-septembre 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 (juillet - septembre 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 (juillet-septembre 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 (juillet - septembre 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 (juillet-septembre 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 (juillet - septembre 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 (juillet-septembre 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 (juillet - septembre 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 (juillet-septembre 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 (juillet - septembre 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 (juillet-septembre 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 (juillet - septembre 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 (juillet-septembre 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 (juillet - septembre 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 (juillet-septembre 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 (juillet - septembre 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 (juillet - septembre 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 (juillet -septembre 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 (juillet - septembre 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 (juillet -septembre 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 (juillet - septembre 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 (juillet -septembre 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 (juillet - septembre 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 (juillet -septembre 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 (juillet - septembre 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 (juillet -septembre 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 (juillet - septembre 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 (juillet -septembre 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 (juillet - septembre 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 (juillet -septembre 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 (juillet - septembre 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 (juillet -septembre 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 (janvier - 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 (janvier - mars 2022) | 0.1879498749021253 | -0.05207899929455463 | 0.16205963423485942 | 0.3251212270075694 | 0.1462827642456745 | 0.2734475711121911 | 0.22127922354785823 | 0.11820023094343796 | 0.11820023094343796 | -0.02513903616248677 | -0.02513903616248677 | 0.21631820106236196 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 (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 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 (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 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 (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 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 (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 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 (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 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 (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 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 (juillet -septembre 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 juin 19 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2019 | 0.09040015858287682 | -0.009871238409613188 | 0.10129024903766888 | 0.09017428062446882 | 0.07254664008426427 | 0.08684872683670952 | 0.08388019774555616 | 0.08014345220034184 | 0.08014345220034184 | 0.07304854341757229 | 0.07304854341757229 | 0.08363511632973475 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 30 juin 2019 | 0.7764176502799494 | 0.9127604822455222 | 0.7442051552445597 | 0.8090713127784372 | 0.8280068986880826 | 0.8383515443131573 | 0.8142972436226521 | 0.6215532737722155 | 0.6215532737722155 | 0.7238091398189843 | 0.7238091398189843 | 0.8088400886058457 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2019 | 0.25262345024376176 | 0.7063589473168886 | 0.009953145758146448 | 0.006384856844350402 | 0.059874046537882294 | 0.0018026165698218906 | 0.07057975592998604 | 0.1866063889654444 | 0.1866063889654444 | 0 | 0 | 0.07467359539361851 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2019 | 0.1570758653731724 | 0.6377732926295672 | 0.9351394003336949 | 0.7039488445142472 | 0.516235041848072 | 4.78497638224745 | 0.35467724144201107 | 0.17757838990980754 | 0.17757838990980754 | 0 | 0 | 0.33760494479256087 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2019 | 0.6104504779402228 | -8.25337655367105 | 0.003455499452066808 | 0.008027825129389361 | 0.12981510965861282 | -0.022709672875759188 | 0.1729604294840272 | 1.1234480331325625 | 1.1234480331325625 | 0 | 0 | 0.18986899595935502 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2019 (avril - juin 2019) | 0.015348468920800612 | -0.0064210399709367155 | 0.01681171770981441 | 0.04079073852592352 | 0.008782433794080328 | 0.024293737400881286 | 0.01853946419440799 | 0.0007133478599065058 | 0.0007133478599065058 | 0.005451740764938398 | 0.005451740764938398 | 0.017965456869334734 TRIM 3 2018 (avril - juin 2018) | 0.019971603030366807 | 0.0007566176469736218 | 0.01796819835920119 | 0.02641478031588258 | 0.009826473825225914 | 0.020606453010272238 | 0.01767112228753543 | 0.015350524753707876 | 0.015350524753707876 | 0.003310622991213474 | 0.003310622991213474 | 0.01730361504733849 CUMUL 2019 (octobre 2018- juin 2019) | 0.021756373570914766 | -0.00047499192057400295 | 0.01884429289512566 | 0.03682096588938024 | 0.009889984596453788 | 0.02559053973463363 | 0.02056643431957052 | 0.007380595919428877 | 0.007380595919428877 | 0.016505629296348776 | 0.016505629296348776 | 0.020209571914552048 CUMUL 2018 (octobre 2017- juin 2018) | 0.021210594474235803 | 0.0009376991834971524 | 0.01885114088833868 | 0.02532502674619232 | 0.009959609471361309 | 0.014430217590493911 | 0.015586001357139367 | 0.01345803226849404 | 0.01345803226849404 | 0.003465238323859195 | 0.003465238323859195 | 0.015263826027178512 ROE (rendement de l'avoir des actionn.) TRIM 3 2019 (avril - juin 2019) | 0.16674153050067514 | 0.6653225103859363 | 0.16055358059987018 | 0.46231775486665777 | 0.12251833124648655 | 0.2690181917584282 | 0.21731026285649138 | 0.008625381973971434 | 0.008625381973971434 | 0.07286474082505377 | 0.07286474082505377 | 0.21111529187265973 TRIM 3 2018 (avril - juin 2018) | 0.22424518143996625 | -0.05536001327891343 | 0.19969134071630226 | 0.28679226590492546 | 0.12536759769939834 | 0.21187948147058258 | 0.19955402252713444 | 0.17951209025491993 | 0.17951209025491993 | 0.06286520466227001 | 0.06286520466227001 | 0.1973142356047935 CUMUL 2019 (octobre 2018- juin 2019) | 0.23674702333066347 | 0.04353861828103738 | 0.17258568857380904 | 0.40251577596406496 | 0.13062931033185843 | 0.2870865294922082 | 0.23775944980216282 | 0.08544973020432862 | 0.08544973020432862 | 0.25918818717674147 | 0.25918818717674147 | 0.2347142583864681 CUMUL 2018 (octobre 2017- juin 2018) | 0.24305390902060572 | -0.06730298862565424 | 0.210096066240312 | 0.26978570446862143 | 0.12621010832096813 | 0.14970611989343716 | 0.17698144672365881 | 0.1481862180263801 | 0.1481862180263801 | 0.06670378092399946 | 0.06670378092399946 | 0.174815516488242 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2019 (avril - juin 2019) | 0.7991732121660189 | 0.584805888752053 | 0.7566172339256508 | 0.7622795642867084 | 0.7940562586988974 | 0.7410714351991868 | 0.7703746626772013 | 0.4751031758026804 | 0.4751031758026804 | 0.969113049969673 | 0.969113049969673 | 0.7620861396784123 TRIM 3 2018 (avril - juin 2018) | 0.8563745903378831 | 0.624445391561287 | 0.6819899915507416 | 0.7897652132790001 | 0.7845708812578047 | 0.7450966354051376 | 0.77902070005898 | 0.5843383968726626 | 0.6819899915507416 | 0.9768858269681993 | 0.9768858269681993 | 0.7728200799318028 CUMUL 2019 (octobre 2018- juin 2019) | 0.8261194276513231 | 0.6132258583543213 | 0.7558926056705222 | 0.770074539022827 | 0.7930800143257604 | 0.7752387125862695 | 0.7872341884216528 | 0.5293692702711273 | 0.5293692702711273 | 0.9737103323808092 | 0.9737103323808092 | 0.7801581329476102 CUMUL 2018 (octobre 2017- juin 2018) | 0.872531660288801 | 0.6202045046858113 | 0.6988019843901012 | 0.7924720664212084 | 0.7862816448566776 | 0.762501271656648 | 0.7900943076319393 | 0.5817167519612552 | 0.5817167519612552 | 0.9574607423015048 | 0.9574607423015048 | 0.7836176334274839 Rendement moyen des prêts TRIM 3 2019 (avril - juin 2019) | 0.07691017477253129 | 0.041304134025451966 | 0.13170603987034732 | 0.15920993460155564 | 0.11461819513197079 | 0.10518657891814917 | 0.11061834754578471 | 0.10558516433657272 | 0.10558516433657272 | 0.0928628076980961 | 0.0928628076980961 | 0.11033492416793836 TRIM 3 2018 (avril - juin 2018) | 0.08796325925519778 | 0.050288349754839985 | 0.12876989422804172 | 0.1560773568986086 | 0.11069158446339063 | 0.09466662404360382 | 0.10666917479826897 | 0.11140590213442512 | 0.11140590213442512 | 0.11530597748569416 | 0.11530597748569416 | 0.10690765302913809 CUMUL 2019 (octobre 2018- juin 2019) | 0.0853484657210849 | 0.04370812788679301 | 0.12896612293128354 | 0.16001858950381642 | 0.11054454117033756 | 0.10463137030956214 | 0.11034483265985444 | 0.10464822506164917 | 0.10464822506164917 | 0.08879338887650091 | 0.08879338887650091 | 0.11000348972325841 CUMUL 2018 (octobre 2017- juin 2018) | 0.09521167854299738 | 0.05323729687405595 | 0.13002075054942328 | 0.15479455270232342 | 0.10916354157888335 | 0.09775002951230959 | 0.10849875904502698 | 0.10348073784459517 | 0.10348073784459517 | 0.10590643156349783 | 0.10590643156349783 | 0.10826463340838571 Rendement moyen des prêts productifs TRIM 3 2019 (avril - juin 2019) | 0.10402806386102939 | 0.0106807128514488 | 0.08203601382799487 | 0.07331648982976008 | 0.05442656130365907 | 0.18337146282425135 | 0.221645301997362 | 0.22497995487457814 | 0.22497995487457814 | 0.0928628076980961 | 0.0928628076980961 | 0.11733920459795437 TRIM 3 2018 (avril - juin 2018) | 0.0948562365169664 | 0.12810551413661142 | 0.1298797687719687 | 0.1569132040264162 | 0.115818132077275 | 0.09477485059264971 | 0.11056676779104732 | 0.12404558681778151 | 0.12404558681778151 | 0.11530597748569416 | 0.11530597748569416 | 0.11112047225230857 CUMUL 2019 (octobre 2018- juin 2019) | 0.10140011175142734 | 0.131723648622754 | 0.12992586443563897 | 0.16084756114982116 | 0.11474221297931624 | 0.1047805753964428 | 0.1158066559910348 | 0.1281767877747874 | 0.1281767877747874 | 0.08879338887650091 | 0.08879338887650091 | 0.1160764296472066 CUMUL 2018 (octobre 2017- juin 2018) | 0.10108650728743034 | 0.15349326715447334 | 0.13098542534710547 | 0.15553892522460588 | 0.11290411999626349 | 0.09792277338004736 | 0.11191330234889789 | 0.11371611368701075 | 0.11371611368701075 | 0.10590643156349783 | 0.10590643156349783 | 0.11195371812948991 Rémunération moyenne des dépôts TRIM 3 2019 (avril - juin 2019) | 0.011637654995215315 | 0.016840897903231032 | 0.02359804999735241 | 0.018828374511909468 | 0.010552784995542096 | 0.010454693104235028 | 0.012300094928839166 | 0.05652274262898843 | 0.05652274262898843 | 0.0006157785820209862 | 0.0006157785820209862 | 0.012835873234276159 TRIM 3 2018 (avril - juin 2018) | 0.008679154202320308 | 0.021083402512938894 | 0.030359393523785944 | 0.017234383465554434 | 0.011444804894507273 | 0.009588287998114672 | 0.011737686726435222 | 0.051260984220338084 | 0.051260984220338084 | 0.00031583730524609686 | 0.00031583730524609686 | 0.01212311424380626 CUMUL 2019 (octobre 2018- juin 2019) | 0.010942639078804857 | 0.017704604039973693 | 0.0238249179058808 | 0.018735581157075097 | 0.010385794202737776 | 0.009010359890928315 | 0.011554362141635618 | 0.049657653238126404 | 0.049657653238126404 | 0.0004913778714806518 | 0.0004913778714806518 | 0.011994602195689421 CUMUL 2018 (octobre 2017- juin 2018) | 0.007657245434626082 | 0.021259566583912547 | 0.02804129148103918 | 0.017062544354140067 | 0.010926414127454353 | 0.008863325880937073 | 0.010959639871566581 | 0.04880441279920065 | 0.04880441279920065 | 0.0006775356375837385 | 0.0006775356375837385 | 0.011344369271907897 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2019 (avril - juin 2019) | 0.6658837600377637 | 1.0569942952206883 | 0.6044430267801003 | 0.5509433360530044 | 0.7015536173695637 | 0.5915624209061623 | 0.6306628695199205 | 0.6673889116391749 | 0.6673889116391749 | 0.8819499744767738 | 0.8819499744767738 | 0.6352370900164351 TRIM 3 2018 (avril - juin 2018) | 0.5949540636992332 | 0.8676880987703675 | 0.6364043190223859 | 0.6526853776534232 | 0.6883995529339914 | 0.6400029930950256 | 0.6474775339572678 | 0.5568523437428733 | 0.5568523437428733 | 0.901332000557906 | 0.901332000557906 | 0.6503871316437595 CUMUL 2019 (octobre 2018- juin 2019) | 0.568833012038608 | 0.9091266291295053 | 0.5921573346474669 | 0.5767502503530184 | 0.6855326441384807 | 0.5441055727487988 | 0.5947780380281374 | 0.6942282068335683 | 0.6942282068335683 | 0.6642434412597575 | 0.6642434412597575 | 0.59748286580008 CUMUL 2018 (octobre 2017- juin 2018) | 0.5872430412302388 | 0.8659166088584042 | 0.621339477977577 | 0.663035757805607 | 0.698888592072047 | 0.6790651334829751 | 0.6604610096451807 | 0.5867969014608542 | 0.5867969014608542 | 0.8955527009455568 | 0.8955527009455568 | 0.6635175030710514 Productivité par employé ('000) TRIM 3 2019 (avril - juin 2019) | 4551.981502890174 | 1221.212696 | 5562.041203531034 | 3965.965744400527 | 4468.834262028105 | 6707.122555603006 | 5002.854266765848 | 4174.578436756757 | 4174.578436756757 | 13747.368421052632 | 13747.368421052632 | 5042.330423047017 TRIM 3 2018 (avril - juin 2018) | 4444.345986309894 | 1124.526729660377 | 5464.165781930502 | 3048.078706957133 | 3389.5012457457046 | 4331.499855502465 | 3834.778974623932 | 4966.438146938777 | 4966.438146938777 | 11283.409836065573 | 11283.409836065573 | 3899.6535963712377 CUMUL 2019 (octobre 2018- juin 2019) | 4999.534365536361 | 1339.7764340856031 | 5775.192280286298 | 3548.821705426357 | 4023.9284966105934 | 6288.722680402458 | 4774.291285804356 | 10574.749844444445 | 4287.060747747748 | 14831.77777777778 | 14831.77777777778 | 4829.859061362402 CUMUL 2018 (octobre 2017- juin 2018) | 4389.786848072562 | 1132.3539661152884 | 5234.9799731788935 | 2963.2671976828387 | 3194.9089097950437 | 4016.872807778624 | 3654.1570383435774 | 4739.377029297053 | 4739.377029297053 | 11128.262295081966 | 11128.262295081966 | 3718.7709763311054 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé mars 19 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2019 | 0.09379461679007793 | -0.009403183345437252 | 0.10830887649435762 | 0.08614669631655061 | 0.0707927947524805 | 0.09395853342800062 | 0.08681994548406823 | 0.08543823196384444 | 0.08543823196384444 | 0.07668760094252544 | 0.07668760094252544 | 0.08663614671345723 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 31 mars 2019 | 0.7826412066670317 | 0.9075948526935624 | 0.7185365179437421 | 0.8137493834586422 | 0.8045431991107617 | 0.8490726281984488 | 0.811362117422313 | 0.5958115538256509 | 0.5958115538256509 | 0.7475733834046316 | 0.7475733834046316 | 0.8059067629264359 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2019 | 0.0821122953639602 | 0.6927974243788257 | 0.007933027024409041 | 0.004130496807432598 | 0.055682150146817815 | 0.0016847718712124967 | 0.03992621777571069 | 0.13607250261440382 | 0.13607250261440382 | 0 | 0 | 0.04356492745206306 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2019 | 0.4381632294144356 | 0.6757052813221697 | 1.0039119647752235 | 1.0661093337692362 | 0.4846509786957585 | 4.642832698438702 | 0.5836187164307299 | 0.20358583749420026 | 0.20358583749420026 | 0 | 0 | 0.5365699757778454 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2019 | 0.11949373807284139 | -8.19282912207774 | -0.00014773778587604864 | -0.0012085368550379038 | 0.13258893921159043 | -0.018347753479630774 | 0.059563110092661756 | 0.7587947516266242 | 0.7587947516266242 | 0 | 0 | 0.07308476400376915 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2019 (janvier-mars 2019) | 0.02268186722825861 | -0.0007165057403698273 | 0.020353999467605036 | 0.04026412525316922 | 0.009588939942352933 | 0.023389713002209225 | 0.020251810664455337 | 0.01244715147614746 | 0.01244715147614746 | 0.016944913006644226 | 0.016944913006644226 | 0.02003021729944826 TRIM 2 2018 (janvier-mars 2018) | 0.02007645081647743 | -0.0011794553068383748 | 0.022590323441013745 | 0.024468590036969835 | 0.018276421406504772 | 0.010436727742895405 | 0.013810201788669926 | 0.009790490776753523 | 0.009790490776753523 | 0.008500074201058532 | 0.008500074201058532 | 0.013606135646086738 CUMUL 2019 (octobre 2018- mars 2019) | 0.025325366104606718 | 0.0028725536272824507 | 0.019604791364183943 | 0.03451236302714261 | 0.010313125142571856 | 0.02631730677899574 | 0.02157239921283147 | 0.011080685958427964 | 0.011080685958427964 | 0.022767405556161305 | 0.022767405556161305 | 0.02136684055363022 CUMUL 2018 (octobre 2017- mars 2018) | 0.021330540133946082 | 0.0010196169190796506 | 0.019773057842229713 | 0.024610902850211287 | 0.010172577927970865 | 0.010796872270308734 | 0.014259815004426898 | 0.01266958797684134 | 0.01266958797684134 | 0.00390710710391009 | 0.00390710710391009 | 0.01401208806481492 ROE (rendement de l'avoir des actionn.) TRIM 2 2019 (janvier-mars 2019) | 0.24308228074071578 | 0.07663312624301806 | 0.18401497573904185 | 0.46150256114690935 | 0.12987602941060108 | 0.251103090571519 | 0.23143999613788266 | 0.13454945739224075 | 0.13454945739224075 | 0.25370448348949526 | 0.25370448348949526 | 0.22958426993536216 TRIM 2 2018 (janvier-mars 2018) | 0.22889931739638508 | 0.08851415850047194 | 0.2832269766935527 | 0.2640517819121411 | 0.06607872944263284 | 0.09686721689742252 | 0.14897134747067103 | 0.10676892397818859 | 0.10676892397818859 | 0.14483293939420452 | 0.14483293939420452 | 0.14797878560312577 CUMUL 2019 (octobre 2018- mars 2019) | 0.27020038958153814 | -0.2677168440484297 | 0.17308863179837541 | 0.3862715753321618 | 0.13783092084902657 | 0.28306903452558985 | 0.24476006828732735 | 0.12408711777187649 | 0.12408711777187649 | 0.3494795417596319 | 0.3494795417596319 | 0.2434611690008509 CUMUL 2018 (octobre 2017- mars 2018) | 0.2497367120694095 | -0.07328727601686073 | 0.249455971169385 | 0.26805751582795573 | 0.12823694478121722 | 0.10113891843541085 | 0.15631454424891678 | 0.14114277786124715 | 0.14114277786124715 | 0.06278625978204946 | 0.06278625978204946 | 0.15466018466627968 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2019 (janvier-mars 2019) | 0.8423629104488134 | 0.618182892741759 | 0.75813368793518 | 0.7706964050485733 | 0.783713647752467 | 0.7773973836780025 | 0.79025492854515 | 0.6008746961431273 | 0.6008746961431273 | 0.9741421733100702 | 0.9741421733100702 | 0.7847672365138632 TRIM 2 2018 (janvier-mars 2018) | 0.8750668907059378 | 0.598030810289222 | 0.707852641892984 | 0.7907228541423226 | 0.792223239695161 | 0.7749310104647635 | 0.796072938242601 | 0.552721212780686 | 0.707852641892984 | 0.9132678541701349 | 0.9132678541701349 | 0.7884463460591302 CUMUL 2019 (octobre 2018- mars 2019) | 0.8389116474585055 | 0.6263199473027965 | 0.7554784552531377 | 0.7742483401917842 | 0.7925301601901361 | 0.7938990169479706 | 0.7962299805104872 | 0.5584176849021352 | 0.5584176849021352 | 0.975897196883947 | 0.975897196883947 | 0.7897957942006811 CUMUL 2018 (octobre 2017- mars 2018) | 0.8811026928933959 | 0.6180583607781363 | 0.707880429903593 | 0.7939115924917471 | 0.7872084314563847 | 0.7716124560920499 | 0.7959878245534213 | 0.5802636318132743 | 0.5802636318132743 | 0.9497112129057956 | 0.9497112129057956 | 0.7893616475196739 Rendement moyen des prêts TRIM 2 2019 (janvier-mars 2019) | 0.09431399997605562 | 0.040084249391138374 | 0.12706644950070067 | 0.15639523492477364 | 0.10227730200528151 | 0.10351228546965903 | 0.10867103731232967 | 0.113467457669822 | 0.113467457669822 | 0.10784674721345557 | 0.10784674721345557 | 0.10885839589444286 TRIM 2 2018 (janvier-mars 2018) | 0.09045494502795803 | 0.04576778267002639 | 0.12853084932988626 | 0.15061961815411276 | 0.1068145437211407 | 0.09719882073336154 | 0.10618420774106428 | 0.09618720087407989 | 0.09618720087407989 | 0.10863690749901836 | 0.10863690749901836 | 0.10575912873556188 CUMUL 2019 (octobre 2018- mars 2019) | 0.09372509414291669 | 0.045565518764527586 | 0.1292097473675441 | 0.16266708927451967 | 0.1066307682083664 | 0.10655912998502658 | 0.11157019064057752 | 0.10472585694693781 | 0.10472585694693781 | 0.10348283567046077 | 0.10348283567046077 | 0.11125607874688788 CUMUL 2018 (octobre 2017- mars 2018) | 0.09451984754038159 | 0.0545370388540022 | 0.1292530604499425 | 0.15387923328071884 | 0.10804656863881701 | 0.09732548139653623 | 0.10759650624531564 | 0.09852638876460632 | 0.09852638876460632 | 0.11138645329494624 | 0.11138645329494624 | 0.10721477879270713 Rendement moyen des prêts productifs TRIM 2 2019 (janvier-mars 2019) | 0.10263897162361611 | 0.12410572452539662 | 0.12783048532478195 | 0.15709533019324295 | 0.10611945517601125 | 0.10367055789323434 | 0.11243490232756488 | 0.12773525471302927 | 0.12773525471302927 | 0.10784674721345557 | 0.10784674721345557 | 0.11297564272028743 TRIM 2 2018 (janvier-mars 2018) | 0.0961094673684445 | 0.10333415776673893 | 0.12944524619035852 | 0.15172114567600176 | 0.11097728017383436 | 0.09732464986648694 | 0.1095252069466819 | 0.10821966907657928 | 0.10821966907657928 | 0.10863690749901836 | 0.10863690749901836 | 0.1094686816557519 CUMUL 2019 (octobre 2018- mars 2019) | 0.09997186543923463 | 0.1341754964290585 | 0.13000811613628088 | 0.1633065481107861 | 0.11039273485546712 | 0.1067026138590161 | 0.11502496992531225 | 0.12426626091368263 | 0.12426626091368263 | 0.10348283567046077 | 0.10348283567046077 | 0.11529268223578006 CUMUL 2018 (octobre 2017- mars 2018) | 0.10028340429002348 | 0.1519226499793232 | 0.130045556452174 | 0.15483229978101448 | 0.11206191538618475 | 0.09749640319193643 | 0.11105310829356668 | 0.11155648061833252 | 0.11155648061833252 | 0.11138645329494624 | 0.11138645329494624 | 0.1110754153539554 Rémunération moyenne des dépôts TRIM 2 2019 (janvier-mars 2019) | 0.01014578183773737 | 0.01749431707018162 | 0.02332546952140637 | 0.01848949016666928 | 0.010265996118795466 | 0.008807214855897897 | 0.01121702953359048 | 0.04798125578668689 | 0.04798125578668689 | 0.0004731960628122746 | 0.0004731960628122746 | 0.01160651995870145 TRIM 2 2018 (janvier-mars 2018) | 0.007306282961500864 | 0.020704457662782613 | 0.027726653883559712 | 0.01704192882893471 | 0.011050628472546908 | 0.00816015901919845 | 0.0105735337481242 | 0.04925635455773916 | 0.04925635455773916 | 0.0014801939274227322 | 0.0014801939274227322 | 0.011006770485380221 CUMUL 2019 (octobre 2018- mars 2019) | 0.010580342412497046 | 0.01880670281483534 | 0.02390202117357829 | 0.018614189548796307 | 0.010309459699045759 | 0.008199836143487245 | 0.011139429718524652 | 0.04819692575014714 | 0.04819692575014714 | 0.0004622285630863248 | 0.0004622285630863248 | 0.011548725564044425 CUMUL 2018 (octobre 2017- mars 2018) | 0.006899023428809755 | 0.021223038024859284 | 0.027014288994901815 | 0.016755876306672846 | 0.011035303710933518 | 0.00824541319777753 | 0.010454705502021603 | 0.04777254502201378 | 0.04777254502201378 | 0.0009656284089790057 | 0.0009656284089790057 | 0.010869521830061032 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2019 (janvier-mars 2019) | 0.5288404310286845 | 0.9177519704426 | 0.5726556606719388 | 0.5598822525693687 | 0.6934390281143995 | 0.5522059832837881 | 0.58799581294385 | 0.6289001147735945 | 0.6289001147735945 | 0.5875081738983694 | 0.5875081738983694 | 0.5886580318991319 TRIM 2 2018 (janvier-mars 2018) | 0.5840935037297303 | 0.9078571020935413 | 0.5820786132305901 | 0.6706026298142346 | 0.7175642589532797 | 0.7190575240258421 | 0.6735802847951629 | 0.6651191416172803 | 0.6651191416172803 | 0.7464640857308361 | 0.7464640857308361 | 0.6748110418861202 CUMUL 2019 (octobre 2018- mars 2019) | 0.5267770752768209 | 0.8435034638243205 | 0.5853369607420804 | 0.5916030680303377 | 0.6764132400017467 | 0.5182762567582282 | 0.5756355653308904 | 0.7071265437984247 | 0.7071265437984247 | 0.5737959408733273 | 0.5737959408733273 | 0.5774643143764936 CUMUL 2018 (octobre 2017- mars 2018) | 0.5833517513717434 | 0.8650449331697323 | 0.6133013367354044 | 0.6686903292440235 | 0.7046303561265072 | 0.7011281081979528 | 0.6674959729785215 | 0.6028715587903788 | 0.6028715587903788 | 0.8926021967327902 | 0.8926021967327902 | 0.6706227204971584 Productivité par employé ('000) TRIM 2 2019 (janvier-mars 2019) | 5271.74 | 1372.33 | 5473.47 | 3780.81 | 3903.73 | 6080.17 | 4754.41 | 5079.67 | 5079.67 | 12641.87 | 12641.87 | 4809.07 TRIM 2 2018 (janvier-mars 2018) | 4477.47 | 1063.58 | 5896.29 | 2928.92 | 3099.35 | 3865.37 | 3620.21 | 4367.93 | 4367.93 | 10692.13 | 10692.13 | 3677.83 CUMUL 2019 (octobre 2018- mars 2019) | 5215.36 | 1391.93 | 5774.08 | 3445.45 | 3825.82 | 6106.05 | 4686.2 | 4343.3 | 4343.3 | 15460 | 15460 | 4749.83 CUMUL 2018 (octobre 2017- mars 2018) | 4362.76 | 1134.12 | 5412.98 | 2893.37 | 3086.42 | 3840.25 | 3560.35 | 4657.53 | 4657.53 | 10872.45 | 10872.45 | 3624.86 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé déc. 18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2018 | 0.09281375145934542 | -0.009296039089162924 | 0.11322574370854148 | 0.08840375173342076 | 0.07709821911893772 | 0.09230122865322289 | 0.08822413101810919 | 0.099790418147069 | 0.099790418147069 | 0.05878127632431514 | 0.05878127632431514 | 0.08788482028094147 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 31 décembre 2018 | 0.7814655803975284 | 0.9038404442881228 | 0.7194887883012883 | 0.8090557423012713 | 0.8083621494722226 | 0.8577423897607274 | 0.815420673029486 | 0.5954570050520034 | 0.5954570050520034 | 0.783929239672412 | 0.783929239672412 | 0.8101395046845172 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2018 | 0.08006517465175418 | 0.6613982938221991 | 0.0038796978148041023 | 0.004775222331496316 | 0.01569543465539145 | 0.001372230883780026 | 0.02689803695164946 | 0.0870793407188987 | 0.0870793407188987 | 0 | 0 | 0.029185323917257172 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2018 | 0.4056036510539327 | 0.7072635588511462 | 1.6347844686883928 | 0.8974683044354043 | 1.6784645111437315 | 5.064618297330565 | 0.816206706365704 | 0.3042875721066296 | 0.3042875721066296 | 0 | 0 | 0.7551138076035544 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2018 | 0.12225458665216385 | -7.273032414622171 | -0.011884878881267616 | 0.002275792571500958 | -0.04612022880070303 | -0.018142831216758047 | 0.018019170958319775 | 0.3701971566637249 | 0.3701971566637249 | 0 | 0 | 0.026245184195151827 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.029050635152999014 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012 TRIM 1 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.002755653717549522 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | -0.001180585605183277 | 0.014547998132675433 CUMUL 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.02905063515299901 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012 CUMUL 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.010939616205915983 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | -0.001180585605183277 | 0.014547998132675433 ROE (rendement de l'avoir des actionn.) TRIM 1 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.17241572095352012 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.2565086662341222 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25514146834497975 TRIM 1 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | -0.02036672284606169 | 0.1586855933606742 CUMUL 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.17241572095352012 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.2565086662341222 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25514146834497975 CUMUL 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | -0.02036672284606169 | 0.1586855933606742 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005 TRIM 1 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.7079099822758125 | 0.9831563669696738 | 0.9831563669696738 | 0.7903002468161384 CUMUL 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005 CUMUL 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.6064065534310368 | 0.9831563669696738 | 0.9831563669696738 | 0.7903002468161384 Rendement moyen des prêts TRIM 1 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976 TRIM 1 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0.13140886407741284 | 0.10935602434152218 CUMUL 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976 CUMUL 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0.13140886407741284 | 0.10935602434152218 Rendement moyen des prêts productifs TRIM 1 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615 TRIM 1 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0.13140886407741284 | 0.11256990051000276 CUMUL 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615 CUMUL 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0.13140886407741284 | 0.11256990051000276 Rémunération moyenne des dépôts TRIM 1 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281 TRIM 1 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0.00031232020895001006 | 0.010895441584678759 CUMUL 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281 CUMUL 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0.00031232020895001006 | 0.010895441584678759 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.589656606003306 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5620930070798825 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5652058440950704 TRIM 1 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 1.0339719118831647 | 0.6663294373712607 CUMUL 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.589656606003306 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5620930070798825 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5652058440950704 CUMUL 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 1.0339719118831647 | 0.6663294373712607 Productivité par employé ('000) TRIM 1 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712 TRIM 1 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 11052.774193548386 | 3604.249963357969 CUMUL 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712 CUMUL 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 11052.774193548386 | 3604.249963357969 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé sept. 18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846273 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0 | 0.05500245014563468 | 0.0890363407629032 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913702 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0 | 0.7938428627581877 | 0.8129976415592453 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0 | 0.025469754697323044 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0 | 0.8786573826806808 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0 | 0.01102966857089383 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2018 (juil. - sept. 2018) | 0.01941172005451372 | 0.002167658135441865 | 0.018813338948155907 | 0.024682736080239763 | 0.015586185610724354 | 0.0252147991466564 | 0.0206309277400867 | 0.03688294632223593 | 0.03688294632223593 | 0.008337919554860776 | 0 | 0.008337919554860776 | 0.020726571730055023 TRIM 4 2017 (juil. - sept. 2017) | 0.01806694083661455 | -0.006179669411945845 | 0.010536519132377332 | 0.021466369639495383 | 0.01144427683959751 | 0.005862221150217952 | 0.011008020654770067 | 0.02447647759800863 | 0.02447647759800863 | 0.008626577889473437 | 0 | 0.008626577889473437 | 0.011275612317557242 CUMUL 2018 (octobre 2017- sept. 2018) | 0.020720351733213273 | 0.0012168757659851144 | 0.018998121490414625 | 0.02473652191211013 | 0.011383686790908908 | 0.017060211186497757 | 0.01682140966064208 | 0.019216713801520603 | 0.019216713801520603 | 0.005161310613850931 | 0 | 0.005161310613850931 | 0.016639662285024552 CUMUL 2017 (octobre 2016- sept. 2017) | 0.018062145278275488 | 0.003775823116284691 | 0.014517451786845848 | 0.02293952804710684 | 0.010432367816115416 | 0.09857517999857628 | 0.04596590064012797 | 0.01715282860907039 | 0.01715282860907039 | 0.0036624516274374767 | -0.015231010521271264 | -0.0030311767722261077 | 0.04357447304307952 ROE (rendement de l'avoir des actionn.) TRIM 4 2018 (juil. - sept. 2018) | 0.2103474914748223 | -0.16754896363016406 | 0.17201526451688273 | 0.2637857262424176 | 0.19792982362464462 | 0.282737645325594 | 0.23555877284796625 | 0.40974677322387293 | 0.40974677322387293 | 0.16989537050308157 | 0 | 0.16989537050308157 | 0.23879627936783382 TRIM 4 2017 (juil. - sept. 2017) | 0.21969608916766412 | 0.4782584103008216 | 0.13177518787491974 | 0.2383568649403244 | 0.1435944111837033 | 0.04820239628593562 | 0.11378187303414009 | 0.26457898747538944 | 0.26457898747538944 | 0.13755868666581791 | 0 | 0.13755868666581791 | 0.11750846719255952 CUMUL 2018 (octobre 2017- sept. 2018) | 0.2334540945330806 | -0.09231568540463884 | 0.18780239558858375 | 0.26492047330513085 | 0.14290278896485956 | 0.1722516699332088 | 0.18649933384166667 | 0.2040257977670168 | 0.2040257977670168 | 0.08867020109884818 | 0 | 0.08867020109884818 | 0.18563221079206246 CUMUL 2017 (octobre 2016- sept. 2017) | 0.2293992337967404 | -0.44256091228108707 | 0.18287346439484464 | 0.25057155038378437 | 0.13475256856226234 | 0.8572216246631783 | 0.5015119822617307 | 0.20302229476133865 | 0.20302229476133865 | 0.05823246127814656 | -0.2675370834337949 | -0.04987047253955227 | 0.48177828328957045 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2018 (juil. - sept. 2018) | 0.8641093937317053 | 0.6237761660204519 | 0.7333309927531915 | 0.7770362087782747 | 0.7458303788990746 | 0.7939169958127515 | 0.7890998227318937 | 0.5992556105741755 | 0.5992556105741755 | 0.9792784804218976 | 0 | 0.9792784804218976 | 0.7828202806399954 TRIM 4 2017 (juil. - sept. 2017) | 0.8836790531385764 | 0.6232858903876597 | 0.7066634276429399 | 0.7885573510105512 | 0.753588310842891 | 0.7204250792926348 | 0.7719959577089655 | 0.658807001323884 | 0.7066634276429399 | 0.9826560951437067 | 0 | 0.9826560951437067 | 0.7689457133974044 CUMUL 2018 (octobre 2017- sept. 2018) | 0.8701934855721045 | 0.6211145821246524 | 0.7081852736079371 | 0.7883236027626626 | 0.7754640419260888 | 0.7705328185157186 | 0.7898286588026519 | 0.5866113731458331 | 0.5866113731458331 | 0.9625605445738971 | 0 | 0.9625605445738971 | 0.7834044677928268 CUMUL 2017 (octobre 2016- sept. 2017) | 0.8878419265598951 | 0.6597828653859523 | 0.6925680448020417 | 0.7804078268741383 | 0.740530066579505 | 0.6431104592380702 | 0.744606319795091 | 0.5660093949999826 | 0.5660093949999826 | 0.8706639647156992 | 0.8934731761341566 | 0.8826602912410345 | 0.7389883217995049 Rendement moyen des prêts TRIM 4 2018 (juil. - sept. 2018) | 0.10026482723882774 | 0.04701723355980835 | 0.12957206369379268 | 0.15554804449352458 | 0.10920311736778807 | 0.09902828128930397 | 0.11008829977172926 | 0.12071770683231385 | 0.12071770683231385 | 0.10245450592510033 | 0 | 0.10245450592510033 | 0.11049054888559194 TRIM 4 2017 (juil. - sept. 2017) | 0.09532285355980015 | 0.06174015254190699 | 0.1409556868428752 | 0.15786751847391886 | 0.10951337945839311 | 0.1030326206544619 | 0.11102885666753949 | 0.10720920693329444 | 0.10720920693329444 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11090968231107265 CUMUL 2018 (octobre 2017- sept. 2018) | 0.09653255555046658 | 0.051528077885118886 | 0.12747944891409832 | 0.15362525833686036 | 0.10951382869452511 | 0.0978000610885603 | 0.10859905860382285 | 0.10708452236488684 | 0.10708452236488684 | 0.09442684102508472 | 0 | 0.09442684102508472 | 0.10844998153226369 CUMUL 2017 (octobre 2016- sept. 2017) | 0.09628678060173099 | 0.06757785348553112 | 0.13905662432967486 | 0.15571465197765572 | 0.10758340494706214 | 0.1055141735780157 | 0.11166707276238544 | 0.1034675283966458 | 0.1034675283966458 | 0.1268383000573444 | 0.11070244254142723 | 0.11698119811689486 | 0.11137586177051408 Rendement moyen des prêts productifs TRIM 4 2018 (juil. - sept. 2018) | 0.10631326327305538 | 0.12477193834893978 | 0.13044589003994622 | 0.15615061704405142 | 0.11204749730423721 | 0.09913324922484495 | 0.11310068982550307 | 0.1384804088529939 | 0.1384804088529939 | 0.10245450592510033 | 0 | 0.10245450592510033 | 0.11399090609732383 TRIM 4 2017 (juil. - sept. 2017) | 0.10101694059132878 | 0.1604758079177712 | 0.13558788219041407 | 0.15918672929155678 | 0.11280184149191161 | 0.10333797866218081 | 0.11448062311155488 | 0.12044331550484426 | 0.12044331550484426 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11477904010882127 CUMUL 2018 (octobre 2017- sept. 2018) | 0.10065245187677198 | 0.1501073122869796 | 0.12802659839796074 | 0.15432852191630367 | 0.11127261078272137 | 0.09796264458623037 | 0.11105803885616343 | 0.12498660766845193 | 0.12498660766845193 | 0.09442684102508472 | 0 | 0.09442684102508472 | 0.11148885421295598 CUMUL 2017 (octobre 2016- sept. 2017) | 0.10058319498716185 | 0.13958293070161917 | 0.13983640067396239 | 0.15706652775037006 | 0.11066429918007976 | 0.10599139947090741 | 0.11482741873780761 | 0.11554669873143061 | 0.11554669873143061 | 0.1268383000573444 | 0.11887129488538832 | 0.1221072463423939 | 0.11500363470366654 Rémunération moyenne des dépôts TRIM 4 2018 (juil. - sept. 2018) | 0.009083165167091577 | 0.020672517542159714 | 0.02584640782143727 | 0.018380808064435924 | 0.013136357514699671 | 0.007762948344028721 | 0.011474452439749724 | 0.05230512788598553 | 0.05230512788598553 | 0.0003047355231108692 | 0 | 0.0003047355231108692 | 0.011895694873154408 TRIM 4 2017 (juil. - sept. 2017) | 0.006556603508245211 | 0.021034957865600716 | 0.027089579263570942 | 0.016522314775565494 | 0.012303241692383074 | 0.010012165498604392 | 0.011377017993347527 | 0.04110516801866475 | 0.04110516801866475 | 0.0003309603672005274 | 0 | 0.0003309603672005274 | 0.01166481375987048 CUMUL 2018 (octobre 2017- sept. 2018) | 0.007959520027080298 | 0.02046125980401867 | 0.02716349695726138 | 0.017076611398330867 | 0.011432343876355026 | 0.008493982118062552 | 0.010982976897461564 | 0.04942189001437359 | 0.04942189001437359 | 0.0006607648352968561 | 0 | 0.0006607648352968561 | 0.011406478059241762 CUMUL 2017 (octobre 2016- sept. 2017) | 0.005968558426564447 | 0.021445903724183868 | 0.028904986775642676 | 0.017747084188045926 | 0.012890351651343439 | 0.013927407641885938 | 0.013003566191134703 | 0.04712371256933539 | 0.04712371256933539 | 0.0029072514642664166 | 0.004369087376323879 | 0.003460012685687764 | 0.013421205154526005 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2018 (juil. - sept. 2018) | 0.6210227671493906 | 0.781755499661932 | 0.5698611363662537 | 0.6698241755508615 | 0.6560976872941655 | 0.6306575030809883 | 0.6365992554240674 | 0.3862848880145627 | 0.3862848880145627 | 0.7701962964546893 | 0 | 0.7701962964546893 | 0.6338097089947548 TRIM 4 2017 (juil. - sept. 2017) | 0.5511684817439795 | 0.9429868355503696 | 0.7714587182189172 | 0.7166367714933392 | 0.7056398846170377 | 1.1174225227867027 | 0.769929160165666 | 0.42515271412878947 | 0.42515271412878947 | 0.7899096220758475 | 0 | 0.7899096220758475 | 0.7604889427295601 CUMUL 2018 (octobre 2017- sept. 2018) | 0.5967340321275334 | 0.8415071941828338 | 0.6063052807866371 | 0.6648575227664645 | 0.6863308948616355 | 0.6652059554244748 | 0.6536469512900794 | 0.5277503330403409 | 0.5277503330403409 | 0.861869453677343 | 0 | 0.861869453677343 | 0.6550381318122509 CUMUL 2017 (octobre 2016- sept. 2017) | 0.6065613951815964 | 0.7914730470838941 | 0.7252914112208851 | 0.6862085842736059 | 0.7110305086638463 | 0.25759194644786443 | 0.4401886549833023 | 0.47447374387287766 | 0.47447374387287766 | 0.8872626843376006 | 1.175512732350301 | 1.0020549634789297 | 0.45197932490196135 Productivité par employé ('000) TRIM 4 2018 (juil. - sept. 2018) | 5239.994962216625 | 1425.254668108108 | 6090.695999854809 | 3022.23355704698 | 4025.403093485423 | 4878.7171694388935 | 4358.371007771704 | 5894.43830216216 | 5894.43830216216 | 12068.645161290322 | 0 | 12068.645161290322 | 4432.02402615825 TRIM 4 2017 (juil. - sept. 2017) | 4140.606208155813 | 1240.9479495970695 | 4953.7344383775535 | 2784.179640718563 | 3232.208005582419 | 2510.699205770286 | 3163.5759622780806 | 6049.499110684933 | 6049.499110684933 | 11424.25 | 0 | 11424.25 | 3264.567555568354 CUMUL 2018 (octobre 2017- sept. 2018) | 6158.446246620919 | 1219.1182222222224 | 5492.893104321223 | 2915.209173036831 | 3418.4905367064193 | 4266.680721185528 | 3838.94212160416 | 5038.16690244898 | 5038.16690244898 | 11050.507936507936 | 0 | 11050.507936507936 | 3905.1831603775977 CUMUL 2017 (octobre 2016- sept. 2017) | 4022.6345991917897 | 1186.4737313375795 | 4640.315959149691 | 2744.01866251944 | 2975.7234170833362 | 10344.60020767949 | 5208.647266558115 | 5370.043140563378 | 5370.043140563378 | 8466.323529411764 | 4186.791208791209 | 6017.03144654088 | 5224.883469251728 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.juin. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2017 | 0.08102107582265142 | -0.01174894809648042 | 0.08162506837054122 | 0.08651993424157746 | 0.07946894976397167 | 0.13682085071269867 | 0.10274779831155015 | 0.08992051528136087 | 0.08992051528136087 | 0.0640527220129743 | 0 | 0.0640527220129743 | 0.101685765232157 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 juin 2017 | 0.7935861776006404 | 0.8658293811261846 | 0.7595661331068647 | 0.8209516379773892 | 0.8271017810729085 | 0.7941601146396632 | 0.8029045000896806 | 0.6244917837809718 | 0.6244917837809718 | 0.8306234564943674 | 0 | 0.8306234564943674 | 0.7992623149106796 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2017 | 0.07213809638017675 | 0.5455303337022512 | 0.005977766301569762 | 0.011136216357939217 | 0.035500500020747706 | 0.0035450139074200714 | 0.03473618647419924 | 0.11483555104987128 | 0.11483555104987128 | 0 | 0 | 0 | 0.038368529588421026 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2017 | 0.37938610194472794 | 0.8254684050277725 | 1.0000100626631443 | 0.5292129824474537 | 1.2011860140913466 | 2.026691708702309 | 0.8052393477636457 | 0.24652784587111465 | 0.24652784587111465 | 0 | 0 | 0 | 0.7242478782185418 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2017 | 0.12771973756780336 | -3.0966442132034366 | -3.661017580394584e-07 | 0.02257616256879013 | -0.028339436056358046 | -0.006023138354832103 | 0.01816720069176477 | 0.5551045407449487 | 0.5551045407449487 | 0 | 0 | 0 | 0.02908589736634229 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2017 (avril - juin 2017) | 0.014230351844717829 | 0.002443999470485995 | 0.01836617884435404 | 0.02639552767462581 | 0.011130101508962431 | 0.31171301453004147 | 0.13006363049249164 | 0.015578634987185378 | 0.015578634987185378 | 0.003786341209833135 | 0 | 0.003786341209833135 | 0.12461638838151672 TRIM 3 2016 (avril - juin 2016) | 0.019911545014999327 | -0.02063591790293716 | 0.015339621331204208 | 0.0229429049102063 | 0.014798529592930699 | 0.02453331198642385 | 0.01940820317964486 | 0.013277654846450724 | 0.013277654846450724 | -0.011173411267785907 | 0.009105410782358542 | -0.0003918495410553343 | 0.01821682530186565 CUMUL 2017 (octobre 2016- juin 2017) | 0.01828167673082888 | 0.0068159466344366905 | 0.016136896268359555 | 0.022724676967052413 | 0.010316905137148039 | 0.12763519996776176 | 0.05767046720949124 | 0.015512883379127282 | 0.015512883379127282 | 0.002072180990059106 | -0.020308014028361684 | -0.006054958231891859 | 0.05447122808559555 CUMUL 2016 (octobre 2015 - juin 2016) | 0.022477441615451482 | -0.016622975511305014 | 0.02103870618716056 | 0.026248675726797777 | 0.01606775159678749 | 0.07209049599940802 | 0.03770358005114629 | 0.016001923014604267 | 0.016001923014604267 | -0.0034498343331314523 | 0.009201384165931548 | 0.0030429524924592763 | 0.03523623678118958 ROE (rendement de l'avoir des actionn.) TRIM 3 2017 (avril - juin 2017) | 0.18416184718444123 | -0.4672838999650673 | 0.23553250484975194 | 0.31690221677521596 | 0.14833171437875353 | 2.4017733881242154 | 1.3476321501196276 | 0.18360700778403577 | 0.18360700778403577 | 0.06272951161393699 | 0 | 0.06272951161393699 | 1.3052780541550195 TRIM 3 2016 (avril - juin 2016) | 0.2542310750395305 | -13.5780622457336 | 0.25423236763972035 | 0.2705324976978403 | 0.20251114771001666 | 0.19317294129383694 | 0.21081495913324563 | 0.18449633431881354 | 0.18449633431881354 | -0.15673788322941518 | 0.16462566063684775 | -0.006240380429663563 | 0.20254545206358493 CUMUL 2017 (octobre 2016- juin 2017) | 0.23597500471757352 | -0.9052640435548027 | 0.19871756851326736 | 0.25892594725466433 | 0.13374474294978808 | 0.9623771308329362 | 0.5882223186828521 | 0.18897247989886823 | 0.18897247989886823 | 0.0322527394436632 | -0.35671611124505986 | -0.09830937958351153 | 0.5648603171884249 CUMUL 2016 (octobre 2015 - juin 2016) | 0.2961377240066761 | -1.7252626497284809 | 0.34525407628134047 | 0.2977654568409157 | 0.21928238112032564 | 0.6839046488731917 | 0.44493381128783877 | 0.21727860242280306 | 0.21727860242280306 | -0.04797924461751013 | 0.1724463882294498 | 0.04877680650228625 | 0.42330142448204167 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2017 (avril - juin 2017) | 0.8711427136565073 | 0.6498990629292265 | 0.7019976541419117 | 0.7815971369192667 | 0.7432778573793763 | 0.7209317479900967 | 0.7626086116271422 | 0.5924470532761797 | 0.5924470532761797 | 0.9818373256120032 | 0 | 0.9818373256120032 | 0.7571365221017792 TRIM 3 2016 (avril - juin 2016) | 0.9332635993951712 | 0.662300155287165 | 0.7413061463859962 | 0.7644662243127717 | 0.7277559959814078 | 0.6603661141659318 | 0.7591945386711655 | 0.4594464118233303 | 0.7413061463859962 | 0.5764086174242424 | 0.8951325740855184 | 0.789285924877646 | 0.7449032862656447 CUMUL 2017 (octobre 2016- juin 2017) | 0.8893219115290251 | 0.6695199363350418 | 0.6872821735876505 | 0.7804078268741383 | 0.7361449921850155 | 0.6156612177961783 | 0.7366917956880726 | 0.5377651862182473 | 0.5377651862182473 | 0.8386982708831815 | 0.8934731761341566 | 0.8708959647094261 | 0.7304799281339487 CUMUL 2016 (octobre 2015 - juin 2016) | 0.9166109630114884 | 0.6519413185620322 | 0.7577193294949203 | 0.7952468746564428 | 0.743044164085532 | 0.6827768851366872 | 0.7688462289789834 | 0.5167919970824469 | 0.5167919970824469 | 0.6799548395243294 | 0.9012982044609104 | 0.8118875453808995 | 0.757887610383223 Rendement moyen des prêts TRIM 3 2017 (avril - juin 2017) | 0.09563242642481255 | 0.06590183427389895 | 0.1381647155586286 | 0.1536109587213957 | 0.10578842736935999 | 0.10848757457323976 | 0.11189335161860821 | 0.09887798463350371 | 0.09887798463350371 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11135033054151028 TRIM 3 2016 (avril - juin 2016) | 0.09337066200819989 | 0.06121460351828856 | 0.14200864415727035 | 0.15854155336570794 | 0.12221106007134766 | 0.12182779491025064 | 0.12103802005960006 | 0.1076550916621657 | 0.1076550916621657 | 0.12502378426644348 | 0.12106177534443686 | 0.12212464046276986 | 0.12035520383847599 CUMUL 2017 (octobre 2016- juin 2017) | 0.09639325489025959 | 0.0708480389062848 | 0.14255624806995 | 0.15995741851844544 | 0.10977499064058284 | 0.11096640524364004 | 0.11483831366347631 | 0.10350194490281833 | 0.10350194490281833 | 0.1327389073560339 | 0.14760325672190297 | 0.14179818672365724 | 0.11483304938613698 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09019646999718021 | 0.054926100101777175 | 0.14706060977351473 | 0.16196937277307707 | 0.11991728873343777 | 0.12790082525858557 | 0.12199575318849559 | 0.11245431287159298 | 0.11245431287159298 | 0.13601282994752154 | 0.11879360608705153 | 0.1241382018862278 | 0.1215808923904879 Rendement moyen des prêts productifs TRIM 3 2017 (avril - juin 2017) | 0.10302312575957692 | 0.13273939918377675 | 0.13902616075972318 | 0.1551322948524673 | 0.1097087733994453 | 0.1089426677622746 | 0.11589835677627364 | 0.10984265172849343 | 0.10984265172849343 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11569209218485246 TRIM 3 2016 (avril - juin 2016) | 0.10276715044855231 | 0.1062237818120657 | 0.14277480207451584 | 0.16076959336074356 | 0.12909376550652923 | 0.1229880041871539 | 0.12671820829602004 | 0.11744143925513033 | 0.11744143925513033 | 0.12502378426644348 | 0.12914877074765363 | 0.12798904649279208 | 0.1262847570465996 CUMUL 2017 (octobre 2016- juin 2017) | 0.10245077929750757 | 0.1296383175996587 | 0.14347085261093848 | 0.1618148583150221 | 0.11365776608300772 | 0.111545592791109 | 0.11865217676836447 | 0.11621414644305798 | 0.11621414644305798 | 0.1327389073560339 | 0.15849505984718443 | 0.14799664483378816 | 0.11914439659697978 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09817492340715712 | 0.09077413657125592 | 0.14865319683593278 | 0.163743487642064 | 0.1264884645477433 | 0.12871224350870966 | 0.12733636917567073 | 0.12244117324936489 | 0.12244117324936489 | 0.13601282994752154 | 0.1261333431373118 | 0.12932798923761532 | 0.12717283757705236 Rémunération moyenne des dépôts TRIM 3 2017 (avril - juin 2017) | 0.0061319535469142065 | 0.020386760420717003 | 0.026934718674021037 | 0.0162942949904938 | 0.011847296179961444 | 0.010311136791463282 | 0.011264448475625887 | 0.042784793884675404 | 0.042784793884675404 | 0.0003283946558132497 | 0 | 0.0003283946558132497 | 0.01164454870755415 TRIM 3 2016 (avril - juin 2016) | 0.0036750865127900705 | 0.015076689154457586 | 0.022805682481002284 | 0.01913373828386521 | 0.015157309230914273 | 0.015784234873827057 | 0.013363631111712621 | 0.05317795633192592 | 0.05317795633192592 | 0.013171228034821767 | 0.004917175739012291 | 0.008454079612896917 | 0.014281220934464597 CUMUL 2017 (octobre 2016- juin 2017) | 0.005879920760751275 | 0.021231904924981528 | 0.029958457476864656 | 0.017623741484096074 | 0.01328835502026258 | 0.014735719354419868 | 0.013427171248150016 | 0.049578693492003396 | 0.049578693492003396 | 0.0038974546502600488 | 0.005825449835098505 | 0.004642720682539691 | 0.013951897127751274 CUMUL 2016 (octobre 2015 - juin 2016) | 0.004559562824372697 | 0.014412296360940586 | 0.023151959008541126 | 0.016739724491173488 | 0.014524191710675748 | 0.015355142388740499 | 0.013049213719986 | 0.048701912566072064 | 0.048701912566072064 | 0.012836624658583075 | 0.004802777763234483 | 0.008427693905447608 | 0.013829618685132957 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2017 (avril - juin 2017) | 0.6469286165290469 | 0.8209477813784245 | 0.6474023912660632 | 0.6528330550289395 | 0.6901136123720241 | 0.0890410243565396 | 0.21339292684841848 | 0.5014154273883946 | 0.5014154273883946 | 0.8805995190425592 | 0 | 0.8805995190425592 | 0.2193384858918227 TRIM 3 2016 (avril - juin 2016) | 0.5634874019283601 | 1.216568612235641 | 0.7677363534225444 | 0.671107356549996 | 0.6397287685064426 | 0.5699539075985189 | 0.6164649014696062 | 0.5039525550922092 | 0.5039525550922092 | 1.3489865808310184 | 0.8937631651250114 | 1.0799961517184982 | 0.6334397744549646 CUMUL 2017 (octobre 2016- juin 2017) | 0.6271738078016506 | 0.7468940807897229 | 0.7078157059883053 | 0.6862085842736059 | 0.7130719390062673 | 0.20134612142507458 | 0.38630939219156746 | 0.4945764251883224 | 0.4945764251883224 | 0.9325514987707484 | 1.175512732350301 | 1.0521604300186065 | 0.4002880632034485 CUMUL 2016 (octobre 2015 - juin 2016) | 0.5567950208262309 | 1.138252256150906 | 0.6833668514963728 | 0.6470838075552823 | 0.5960078460000633 | 0.3155895101602068 | 0.4684984200944234 | 0.47630416773747436 | 0.47630416773747436 | 1.094941511493077 | 0.7801237293356608 | 0.9153222853627816 | 0.48559716626210525 Productivité par employé ('000) TRIM 3 2017 (avril - juin 2017) | 3366.939467312349 | 1288.8009488172045 | 4654.208153508631 | 2889.7596371882087 | 3030.500828791334 | 30010.658008372826 | 10581.344616942491 | 4776.468147397251 | 4776.468147397251 | 8540.179104477613 | 0 | 8540.179104477613 | 10476.120108294986 TRIM 3 2016 (avril - juin 2016) | 4036.6798644565215 | 965.4160479518072 | 3552.6860827789333 | 2545.1014014839243 | 2976.6086750812715 | 4437.407433361415 | 3449.172422234634 | 4666.428012394366 | 4666.428012394366 | 7559.666666666667 | 4416.6741573033705 | 5321.856 | 3519.816150275632 CUMUL 2017 (octobre 2016- juin 2017) | 3881.5569767643315 | 1203.1684601044933 | 4406.409902834008 | 2682.035087719298 | 2901.120054315948 | 13321.109499363265 | 5911.736850208573 | 5086.755008638495 | 5086.755008638495 | 7484.228571428572 | 5582.388278388279 | 6409.27536231884 | 5907.73947014456 CUMUL 2016 (octobre 2015 - juin 2016) | 4061.9285330780563 | 848.4247421814474 | 3953.0258294431737 | 2584.649196956889 | 2887.5192037442143 | 7385.451919750035 | 4246.17406100758 | 4908.2693228169 | 4908.2693228169 | 8453.189189189188 | 4668.883895131086 | 5780.148148148149 | 4300.014414708717 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.mars. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2017 | 0.0736988865014922 | 0.0007909450186385002 | 0.07445828573374791 | 0.080059383841459 | 0.07083251077909412 | 0.12177941515625275 | 0.09013315124618414 | 0.08011571076402878 | 0.08011571076402878 | 0.05702035735992737 | 0 | 0.05702035735992737 | 0.08914327144185961 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 mars 2017 | 0.8049503032547094 | 0.8623080597938928 | 0.7708966215284364 | 0.8392394798116236 | 0.841735416159767 | 0.8102898206503486 | 0.8178135979832046 | 0.6462155888253123 | 0.6462155888253123 | 0.792931646608357 | 0 | 0.792931646608357 | 0.8128665192814553 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2017 | 0.0713384332929066 | 0.4673613599241478 | 0.006413020064993351 | 0.008570233738542361 | 0.03596835960229763 | 0.004795145221727041 | 0.034379302285498216 | 0.08556093207934917 | 0.08556093207934917 | 0 | 0 | 0 | 0.03670438508229733 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2017 | 0.38598416335725255 | 0.75775556179769 | 1.0555358942631836 | 0.6750486163051608 | 1.1904765777751567 | 2.1537141065099825 | 0.8176961015552461 | 0.3157651703685972 | 0.3157651703685972 | 0 | 0 | 0 | 0.7591496770418897 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2017 | 0.1308560092711111 | 58.6833759623123 | -0.0023111336473447004 | 0.013958365863014861 | -0.028832279734334724 | -0.011978085451464473 | 0.019976532724595094 | 0.41400593580359424 | 0.41400593580359424 | 0 | 0 | 0 | 0.028765776722914287 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2017 (janvier-mars 2017) | 0.020603081727528942 | 0.00893218663172735 | 0.016069247249460166 | 0.01803997050490282 | 0.010545599224806202 | 0.03187063639005525 | 0.02129227240415069 | 0.016231023139722887 | 0.016231023139722887 | -0.001574825395034261 | 0 | -0.0010109881321851073 | 0.020417486868180103 TRIM 2 2016 (janvier-mars 2016) | 0.024980414608962935 | -0.013129966728332802 | 0.026077024036181333 | 0.025925701943261818 | 0.01839839115781365 | 0.15495746115467723 | 0.06785344626743901 | 0.01912869140687904 | 0.01912869140687904 | -0.008641165256532092 | 0.0063718776070625606 | -0.0010052911505397638 | 0.06275095152959771 CUMUL 2017 (octobre 2016- mars 2017) | 0.019621100707944802 | 0.008634735281173315 | 0.013584492437108879 | 0.020067610844470188 | 0.009495531204563536 | 0.02409592841671606 | 0.018001828420994348 | 0.015417158574676942 | 0.015417158574676942 | 0.0010491428257548892 | -0.030462021042542527 | -0.010018907819766977 | 0.016984691444393712 CUMUL 2016 (octobre 2015- mars 2016) | 0.023873759794929433 | -0.014166118694393515 | 0.0236541415794388 | 0.02711976864490607 | 0.016423970743072867 | 0.09733603616764135 | 0.04715465929099655 | 0.01697295368720907 | 0.01697295368720907 | 0.00033561112004750187 | 0.009374432138716492 | 0.004831741753345665 | 0.04400863787512705 ROE (rendement de l'avoir des actionn.) TRIM 2 2017 (janvier-mars 2017) | 0.2721328235394424 | -26.72436271548687 | 0.21288960610666205 | 0.21604121794081088 | 0.1456552791917641 | 0.25828690113470354 | 0.23320525282237992 | 0.21314036769398034 | 0.21314036769398034 | -0.025410027257399152 | 0 | -0.016498642566047793 | 0.22715213621851277 TRIM 2 2016 (janvier-mars 2016) | 0.3242037795786949 | -1.2671159352829058 | 0.4307085016022958 | 0.29773500979245887 | 0.24998062795967377 | 1.3637175331431513 | 0.7734395715595391 | 0.2537742466245785 | 0.2537742466245785 | -0.11187989795731092 | 0.1179237384158486 | -0.015363185126325698 | 0.7280568104006448 CUMUL 2017 (octobre 2016- mars 2017) | 0.2658680441575514 | -6.5016508002924684 | 0.17599809105002956 | 0.23796424774500474 | 0.13049264187059048 | 0.19415735918562935 | 0.19714048661727937 | 0.19840232431641028 | 0.19840232431641028 | 0.017333210554200982 | -0.5350741668675898 | -0.1690546076745205 | 0.18903280329027164 CUMUL 2016 (octobre 2015- mars 2016) | 0.3148724569340278 | -1.1282608166894639 | 0.37931751941727904 | 0.31750662199646523 | 0.228435762509175 | 0.8808190980697111 | 0.548239404327035 | 0.23473664890308113 | 0.23473664890308113 | 0.004437685313843696 | 0.17206292504480614 | 0.07420946473303082 | 0.5208353824546921 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2017 (janvier-mars 2017) | 0.8935037845454382 | 0.6954422694255329 | 0.6722531390838068 | 0.7933609821384313 | 0.7299339101185963 | 0.6066707023076311 | 0.7355607978195611 | 0.5631711068809706 | 0.5631711068809706 | 0.9827677732859651 | 0 | 0.9827677732859651 | 0.7289705010822303 TRIM 2 2016 (janvier-mars 2016) | 0.9080253162913378 | 0.6627347863060827 | 0.7698244478366175 | 0.8028698602902288 | 0.7379726592950668 | 0.7242660741733234 | 0.7800456746786468 | 0.5686227904515005 | 0.7698244478366175 | 0.6458112407211029 | 0.8912394634130342 | 0.7960076675264198 | 0.769420991890559 CUMUL 2017 (octobre 2016- mars 2017) | 0.8973105168205402 | 0.6778909737251234 | 0.6789975776397131 | 0.7798217370818282 | 0.7328366152407596 | 0.5595056523710638 | 0.7240366759640798 | 0.515289914198177 | 0.515289914198177 | 0.7861137524779602 | 0.8934731761341566 | 0.8570804195804196 | 0.71785641752369 CUMUL 2016 (octobre 2015- mars 2016) | 0.9074401067801464 | 0.6453390994247824 | 0.7663314810303978 | 0.8120608533220787 | 0.7513845118496085 | 0.6938202075863314 | 0.7739616576293327 | 0.5478382323396979 | 0.5478382323396979 | 0.714654052499529 | 0.9045043114991163 | 0.8218203648676664 | 0.7647266419244265 Rendement moyen des prêts TRIM 2 2017 (janvier-mars 2017) | 0.09097759350709261 | 0.06802299495036186 | 0.13472454628813463 | 0.15253484311557894 | 0.10603141383894181 | 0.10788775374347953 | 0.1105387670020298 | 0.10458548574303947 | 0.10458548574303947 | 0.1319354149546754 | 0 | 0.049018036918113704 | 0.10902035675839465 TRIM 2 2016 (janvier-mars 2016) | 0.096982698205544 | 0.05673521348728673 | 0.15862393079755996 | 0.16323322313521244 | 0.11769366075625844 | 0.12491973088405506 | 0.12281506224320594 | 0.12039968228565831 | 0.12039968228565831 | 0.11471657272811592 | 0.10952141809593473 | 0.11111844487862449 | 0.12217905358870335 CUMUL 2017 (octobre 2016- mars 2017) | 0.09418298228420802 | 0.06893930000321001 | 0.13625437577348382 | 0.1540817020708974 | 0.11191016859088622 | 0.10861012757383716 | 0.11318918919109404 | 0.10255315098200907 | 0.10255315098200907 | 0.14464728745036554 | 0.22140488508285447 | 0.19156870946340576 | 0.11425492609154593 CUMUL 2016 (octobre 2015- mars 2016) | 0.09678498737502761 | 0.05601693738225881 | 0.15277266433271183 | 0.16378251219007578 | 0.11933300894834525 | 0.12682103349457627 | 0.12339992155414406 | 0.11420154540809531 | 0.11420154540809531 | 0.1426408220299191 | 0.11917619022576993 | 0.12688484860499522 | 0.12306495202424649 Rendement moyen des prêts productifs TRIM 2 2017 (janvier-mars 2017) | 0.09681577172323239 | 0.12290819662878413 | 0.1356843921629879 | 0.15387011323745156 | 0.10985656384839715 | 0.10818373914838333 | 0.1141493969992799 | 0.11689804848518216 | 0.11689804848518216 | 0.1319354149546754 | 0 | 0.05096799879324713 | 0.11302784087910467 TRIM 2 2016 (janvier-mars 2016) | 0.10637490242540609 | 0.10271220236170507 | 0.16157144736053827 | 0.16566584073664375 | 0.1244497874722619 | 0.1260649988150655 | 0.12863037162961044 | 0.13112988823787533 | 0.13112988823787533 | 0.11471657272811592 | 0.1162717640721099 | 0.11577365878125424 | 0.12820047600511877 CUMUL 2017 (octobre 2016- mars 2017) | 0.10005682111780399 | 0.11915390128917487 | 0.13716175308118372 | 0.15565874153013878 | 0.11589632506924752 | 0.10924633528774226 | 0.11692873839398567 | 0.11328293428676499 | 0.11328293428676499 | 0.14464728745036554 | 0.23774258977077664 | 0.1999690446622151 | 0.11844266771787731 CUMUL 2016 (octobre 2015- mars 2016) | 0.10526377492849827 | 0.09810106875486002 | 0.1540161106201584 | 0.1654133217718451 | 0.1256063826409868 | 0.12780983411477867 | 0.12867090285802993 | 0.12280062091809413 | 0.12280062091809413 | 0.1426408220299191 | 0.12696315877545333 | 0.13233484755948344 | 0.1285310451705725 Rémunération moyenne des dépôts TRIM 2 2017 (janvier-mars 2017) | 0.005543049974235677 | 0.018792132359079856 | 0.028811605654501714 | 0.015962200753009737 | 0.012636356832706861 | 0.015262439649831393 | 0.013141655670970807 | 0.045713264114936834 | 0.045713264114936834 | 0.000354846050314353 | 0 | 0.00021885717786391894 | 0.013496325257513597 TRIM 2 2016 (janvier-mars 2016) | 0.005112842601815495 | 0.014026432144331927 | 0.022614124863215193 | 0.015829583976266163 | 0.014033847651031717 | 0.013358020083484773 | 0.01228123132493208 | 0.04327095067341572 | 0.04327095067341572 | 0.012911037562949734 | 0.004858118687677981 | 0.008379159222112183 | 0.013012078825395481 CUMUL 2017 (octobre 2016- mars 2017) | 0.005508018679002325 | 0.020976643727997634 | 0.02867929544274023 | 0.017565431002072075 | 0.013297639557189165 | 0.01755440604023919 | 0.014217051290969056 | 0.05282373515154667 | 0.05282373515154667 | 0.005508652748162295 | 0.008738174752647758 | 0.006735079905698583 | 0.014876567181294646 CUMUL 2016 (octobre 2015- mars 2016) | 0.005046357184934562 | 0.013650813262689661 | 0.022404763997266455 | 0.014963457489763913 | 0.013712656037753316 | 0.015257761014677145 | 0.012741730309180273 | 0.04337991665400563 | 0.04337991665400563 | 0.012878365485049555 | 0.004753881144401378 | 0.008489166101733977 | 0.013433732540654825 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2017 (janvier-mars 2017) | 0.5928719590592997 | 0.6993302701031483 | 0.7195441635236152 | 0.7330402449588237 | 0.7049782505827564 | 0.5108524576092318 | 0.6130582599912998 | 0.47672697608856446 | 0.47672697608856446 | 1.0603815780278147 | 0 | 1.0603815780278147 | 0.6158418021094347 TRIM 2 2016 (janvier-mars 2016) | 0.5424385233315692 | 1.0681728082844495 | 0.625641424857486 | 0.6545969158696077 | 0.5791869546116383 | 0.17451632070309883 | 0.33974620790089466 | 0.43473932596836007 | 0.43473932596836007 | 1.2381778873968514 | 0.8193742131225362 | 0.988565910544703 | 0.35747922190933257 CUMUL 2017 (octobre 2016- mars 2017) | 0.6185354179848418 | 0.7132669206378212 | 0.7421025019878225 | 0.705623015950299 | 0.7253896200545115 | 0.5906021613405381 | 0.6549682541241971 | 0.49133112162574855 | 0.49133112162574855 | 0.9622929956698176 | 1.175512732350301 | 1.091061261238413 | 0.6679498194740048 CUMUL 2016 (octobre 2015- mars 2016) | 0.5530457336337286 | 1.0892048317427572 | 0.6443840980864677 | 0.6348969520739726 | 0.5737197608088289 | 0.25096930699369896 | 0.41222462913643204 | 0.4634771309966342 | 0.4634771309966342 | 0.9911552249022751 | 0.7277869686048637 | 0.8432363996251803 | 0.4288481103814173 Productivité par employé ('000) TRIM 2 2017 (janvier-mars 2017) | 3808.055312154964 | 1361.3770200701756 | 4369.327040633662 | 2560.2285714285713 | 3040.718093999292 | 5204.70236844213 | 3729.821682155239 | 5505.267869650349 | 5505.267869650349 | 6636.057971014493 | 0 | 2916.484076433121 | 3743.3083553104634 TRIM 2 2016 (janvier-mars 2016) | 3837.2702184038867 | 856.8143980307692 | 4202.460879997635 | 2523.1414309484194 | 3113.3961605733343 | 12679.421565202703 | 5742.951827809654 | 5542.97764141844 | 5542.97764141844 | 7100.756756756757 | 4355.146067415731 | 5161.396825396825 | 5723.63409390636 CUMUL 2017 (octobre 2016- mars 2017) | 4056.1063011989795 | 1237.276174375 | 4216.560459532 | 2581.4673998428907 | 2857.3211874626863 | 4381.1288455475615 | 3469.755670066749 | 5174.62424 | 5174.62424 | 7038.704225352113 | 8373.582417582418 | 7788.543209876543 | 3571.2904321562055 CUMUL 2016 (octobre 2015- mars 2016) | 3899.3765012058825 | 792.2392324458203 | 4027.987020726037 | 2605.1849315068494 | 2866.822236271689 | 8871.75047500214 | 4626.284153684425 | 5029.189978028168 | 5029.189978028168 | 9002.108108108108 | 4849.477272727273 | 6078.656 | 4673.49889066889 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.déc. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2016 | 0.0778081467695615 | -0.0014350529801539578 | 0.07665168306594922 | 0.08713499653350709 | 0.0739991390390464 | 0.12524162035736658 | 0.09256302354996905 | 0.07285360351294273 | 0.07285360351294273 | 0.06778467148897524 | 0.060022839944129526 | 0.0635329353512034 | 0.09065992070090896 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 décembre 2016 | 0.8179288443298289 | 0.8569966840179011 | 0.7558903915456049 | 0.8154750061356979 | 0.8373754836369536 | 0.8207875425297395 | 0.8213565733649011 | 0.7002624883115279 | 0.7002624883115279 | 0.7777128894577531 | 0.875620063009807 | 0.8313439771119031 | 0.8178939659129922 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2016 | 0.048578308470682514 | 0.42615754766302366 | 0.007811976747086964 | 0.00878999413297487 | 0.033694114801771896 | 0.0004985618662191034 | 0.02875273405145443 | 0.125381829055661 | 0.125381829055661 | 0 | 0.0608757556549956 | 0.04634925139629393 | 0.034184763911252504 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2016 | 0.747191318790873 | 0.8058866763657341 | 0.975395635475628 | 0.9343769453849774 | 1.2283553405418597 | 20.92556172663765 | 1.0559256765339042 | 0.2064496036202033 | 0.2064496036202033 | 0 | 0.5438905940401725 | 0.5438905940401725 | 0.8765862840635527 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2016 | 0.03414099034807677 | -23.585782803322637 | 0.0012412020999128816 | 0.0026920650106916463 | -0.0322365274054283 | -0.022068088336397146 | -0.005136084225934806 | 0.6345587634310909 | 0.6345587634310909 | 0 | 0.14485211013883337 | 0.07496258192387656 | 0.013868265106845318 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2017 (octobre. - décembre. 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 TRIM 1 2016 (octobre. - décembre. 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 CUMUL 2017 (octobre - décembre 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 CUMUL 2016 (octobre - décembre 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 ROE (rendement de l'avoir des actionn.) TRIM 1 2017 (octobre. - décembre. 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 TRIM 1 2016 (octobre. - décembre. 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 CUMUL 2017 (octobre - décembre 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 CUMUL 2016 (octobre - décembre 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2017 (octobre. - décembre. 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 TRIM 1 2016 (octobre. - décembre. 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.762158850562841 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 CUMUL 2017 (octobre - décembre 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 CUMUL 2016 (octobre - décembre 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.5232227749677519 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 Rendement moyen des prêts TRIM 1 2017 (octobre. - décembre. 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.20248345714665372 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 TRIM 1 2016 (octobre. - décembre. 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 CUMUL 2017 (octobre - décembre 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.1007959323575557 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 CUMUL 2016 (octobre - décembre 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 Rendement moyen des prêts productifs TRIM 1 2017 (octobre. - décembre. 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 TRIM 1 2016 (octobre. - décembre. 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 CUMUL 2017 (octobre - décembre 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 CUMUL 2016 (octobre - décembre 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 Rémunération moyenne des dépôts TRIM 1 2017 (octobre. - décembre. 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 TRIM 1 2016 (octobre. - décembre. 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 CUMUL 2017 (octobre - décembre 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 CUMUL 2016 (octobre - décembre 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2017 (octobre. - décembre. 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 TRIM 1 2016 (octobre. - décembre. 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 CUMUL 2017 (octobre - décembre 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 CUMUL 2016 (octobre - décembre 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 Productivité par employé ('000) TRIM 1 2017 (octobre. - décembre. 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 TRIM 1 2016 (octobre. - décembre. 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 CUMUL 2017 (octobre - décembre 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 CUMUL 2016 (octobre - décembre 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.sept. 16] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.09264028791412363 | 0.07554863019553665 | 0.07554863019553665 | 0.06444567566828094 | 0.05693046483793471 | 0.06043220452290159 | 0.0906192688286851 Au 30 septembre 2015 | 0.07311273478667339 | 0.022106575250711222 | 0.06336105060809091 | 0.08911142793390697 | 0.07203573866007543 | 0.08729278529419134 | 0.0778475628014552 | 0.07416133737929038 | 0.07416133737929038 | 0.07617158669023051 | 0.0522375539803038 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.8170382553634135 | 0.7109068765144876 | 0.7109068765144876 | 0.7621981791567485 | 0.8802919302902742 | 0.825265719552309 | 0.8141191051278704 Au 30 septembre 2015 | 0.7866143422427879 | 0.8656070315761414 | 0.8040688805504217 | 0.8476169259116534 | 0.8096830249836857 | 0.8090800159392417 | 0.807361058954389 | 0.7415964005105095 | 0.7415964005105095 | 0.7514868125234071 | 0.8767457712332675 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.02939865585618658 | 0.1040880136032887 | 0.1040880136032887 | 0 | 0.06872014267058517 | 0.050697034468474234 | 0.03394940216672454 Au 30 septembre 2015 | 0.06943674388907971 | 0.39744535391982855 | 0.015435212022437708 | 0.006285618990994649 | 0.04850181662821433 | 0.004510084115484565 | 0.03780035503263564 | 0.06747514519877892 | 0.06747514519877892 | 0.0003530517210407771 | 0.05685393797081728 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 1.036109278122458 | 0.19974725426153223 | 0.19974725426153223 | 0 | 0.5685748629475483 | 0.5685748629475483 | 0.8810163174056982 Au 30 septembre 2015 | 0.56491289338209 | 0.9454014690403388 | 1.325036371586142 | 1.3248644595685777 | 0.8812932065444768 | 1.9699112006201913 | 0.8631981462990274 | 0.3540804752847749 | 0.3540804752847749 | 0 | 0.68622554464597 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2016 | 0.020086764726991935 | -5.448785091579863 | -0.008596697155750272 | 0.020792761718043545 | -0.03493361736482914 | -0.007182810489663147 | -0.0034287634969076973 | 0.5466429004007477 | 0.5466429004007477 | 0 | 0.16272682481943118 | 0.08186804493433891 | 0.013459872248919563 Au 30 septembre 2015 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 201 6 (juil. - sept. 2016) | 0.01357917021322789 | -0.010144683049198074 | 0.011009093567073176 | 0.01630822825992434 | 0.014322806666009668 | 0.0532375191524521 | 0.02718271162079874 | 0.018885212448790854 | 0.018885212448790854 | 0.001751881958331591 | 0.012696554617847449 | 0.007664774293832385 | 0.025981825416948073 TRIM 4 2015 (juil. - sept. 2015) | 0.0010133401004609828 | -0.007856159837074267 | 0.02613730555887643 | 0.030499657967242154 | 0.016207598115097057 | 0.026014222793085483 | 0.0170033272152115 | 0.01570795417872854 | 0.01570795417872854 | 0.01045884704083644 | 0.011622902431853703 | 0.011861159491614861 | 0.020832510000493343 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.019529060226210284 | -0.014990865276120102 | 0.01744300692167167 | 0.023824430796300346 | 0.015564538256984568 | 0.06614101829095291 | 0.0344320721022208 | 0.016960648235968614 | 0.016960648235968614 | -0.0021418922549968364 | 0.010548444886662215 | 0.004287635487077266 | 0.03240628733053552 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.01110359024559657 | -0.008499648430098653 | 0.02085421321318172 | 0.029350489047277058 | 0.01002449969514398 | 0.027227373992676173 | 0.01767301994501408 | 0.014550658097473202 | 0.014550658097473202 | 0.01381854834068994 | 0.008638096021353353 | 0.011408366491358422 | 0.02032082022176322 ROE (rendement de l'avoir des actionn.) TRIM 4 201 6 (juil. - sept. 2016) | 0.1786516827563843 | 4.414968112842477 | 0.15549366177139204 | 0.18474987597709933 | 0.19203370591967966 | 0.42776818311468073 | 0.296297095185858 | 0.2538621953059445 | 0.2538621953059445 | 0.02658732339448941 | 0.22846300792239466 | 0.12707405370275088 | 0.28971330206087686 TRIM 4 2015 (juil. - sept. 2015) | 0.014026744792161946 | -0.34237950511861115 | 0.42935148259592 | 0.3442686061941322 | 0.2267651356750947 | 0.29564529386162663 | 0.2194585083270544 | 0.21430252171971792 | 0.21430252171971792 | 0.1789871742972522 | 0.23342961893511827 | 0.19996542037042286 | 0.2729984742163205 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.26549605001192456 | -1.848055842937219 | 0.23562061642520515 | 0.2672395978336055 | 0.21161221850485226 | 0.608435043921886 | 0.4003915766227895 | 0.22638851768650495 | 0.22638851768650495 | -0.030407044828678585 | 0.19249911632700958 | 0.0685856807705271 | 0.3835190142286141 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.15723599599719898 | -0.26456275726575923 | 0.3615769608375321 | 0.33786765774630395 | 0.1388503826539854 | 0.30404361695885007 | 0.22718373819889298 | 0.18705952739072113 | 0.18705952739072113 | 0.218444446306335 | 0.18415204049069728 | 0.20499683148060432 | 0.2656959787560942 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 201 6 (juil. - sept. 2016) | 0.9088997312279506 | 0.6670901881675468 | 0.7129648772373909 | 0.7228366280919363 | 0.7249191460047677 | 0.6291376525070017 | 0.7432042138528369 | 0.5513729783490157 | 0.5513729783490157 | 0.5912408759124088 | 0.8994449755683025 | 0.7899300651412821 | 0.7352883466718235 TRIM 4 2015 (juil. - sept. 2015) | 0.8943027681155826 | 0.6504700303414029 | 0.8243558991764145 | 0.8562953995157385 | 0.8214027767675842 | 0.7523195347299467 | 0.8162453203812363 | 0.6522463253111943 | 0.8243558991764145 | 0.7169677408452608 | 0.952910587895421 | 0.8379786638569688 | 0.8097322438844055 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.9143506643184073 | 0.6573058064314096 | 0.7449085998425536 | 0.7757136292247017 | 0.7384321497851011 | 0.66949993362236 | 0.7620093641485891 | 0.5260544202341622 | 0.5260544202341622 | 0.6590478136957681 | 0.9007887696143022 | 0.8061886681788796 | 0.7518670085025657 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.9055259117474963 | 0.7487801023801958 | 0.8570382857573255 | 0.8846842975361869 | 0.839938467821129 | 0.8151533594246186 | 0.8513024682934848 | 0.6569155634066655 | 0.6569155634066655 | 0.805840894320821 | 0.9797062610769793 | 0.895316366552881 | 0.8444114776650408 Rendement moyen des prêts TRIM 4 201 6 (juil. - sept. 2016) | 0.11018945358319393 | 0.07994753044498167 | 0.13887951370301477 | 0.1565428027985789 | 0.11499774686806219 | 0.1162745366058481 | 0.11978142395216886 | 0.11400102351468751 | 0.11400102351468751 | 0.14699635151478196 | 0.13533173109235908 | 0.13830482951675474 | 0.12015361160040354 TRIM 4 2015 (juil. - sept. 2015) | 0.09855161484643836 | 0.06009460021270629 | 0.14531043527729448 | 0.1634843536935525 | 0.09819549256953528 | 0.1276218036384814 | 0.11625989848830875 | 0.10433657026275509 | 0.10433657026275509 | 0.11655963869646094 | 0.11219825272654599 | 0.11390238604257702 | 0.11553058044475341 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.09633592835005592 | 0.06146693783202019 | 0.14585129355671123 | 0.15802953367459835 | 0.1165599849408993 | 0.12091848658212812 | 0.11949368001140762 | 0.11429602531156825 | 0.11429602531156825 | 0.12860638622540582 | 0.12596896452166792 | 0.12680791691442875 | 0.11952648983663465 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.0854000422996563 | 0.0690009340555091 | 0.1296367777891094 | 0.14666681745336588 | 0.08533805201672334 | 0.10387924547221736 | 0.09907984845725049 | 0.09600234926819691 | 0.09600234926819691 | 0.10876643157954177 | 0.09405662694680221 | 0.09963286868151143 | 0.09895570708918694 Rendement moyen des prêts productifs TRIM 4 201 6 (juil. - sept. 2016) | 0.11817454887478364 | 0.12994217015999968 | 0.13989669151096742 | 0.15863256012769167 | 0.12025120591872503 | 0.11714964345245969 | 0.12441504423654709 | 0.1265345736833658 | 0.1265345736833658 | 0.14699635151478196 | 0.14458104581134948 | 0.1452274768918207 | 0.12527328403943144 TRIM 4 2015 (juil. - sept. 2015) | 0.10550596345670098 | 0.09744156137508202 | 0.14594631459683716 | 0.16481164587613387 | 0.10318549421519012 | 0.12811348760966673 | 0.12074038182178845 | 0.11430075202807238 | 0.11430075202807238 | 0.11739584114256485 | 0.11926939628171772 | 0.1185131301501236 | 0.12031430646094197 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.10202761183967712 | 0.10012672542382962 | 0.1473249912107327 | 0.15953236774373156 | 0.12144614872788519 | 0.12162364539119629 | 0.12360103468545577 | 0.1251884086558649 | 0.1251884086558649 | 0.12860638622540582 | 0.13439307623958416 | 0.13247016312085885 | 0.12404153454218945 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.09052298009154569 | 0.11230104534300293 | 0.13199479411025508 | 0.14756336380898757 | 0.0886412985887333 | 0.10414954572948672 | 0.10234835405177764 | 0.10431543954003061 | 0.10431543954003061 | 0.1087870835078181 | 0.10023632250565184 | 0.10360640852908441 | 0.10250489500969355 Rémunération moyenne des dépôts TRIM 4 201 6 (juil. - sept. 2016) | 0.005425908473680794 | 0.020287397202389444 | 0.027305560900669976 | 0.023027790359969092 | 0.014382620753842069 | 0.01628634138898156 | 0.014225843355463315 | 0.04632200559215955 | 0.04632200559215955 | 0.015405826122444902 | 0.005095213994109857 | 0.009483717817562383 | 0.014883118125419821 TRIM 4 2015 (juil. - sept. 2015) | 0.005254923366426701 | 0.014191493222792137 | 0.01508299444476527 | 0.012035450087303601 | 0.008936191356393328 | 0.012340308631497189 | 0.009829716073457218 | 0.0302931498389757 | 0.0302931498389757 | 0.012925400072251512 | 0.0023393018152810664 | 0.007718699424832777 | 0.010298554720301079 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.004712985163678976 | 0.01615293422044827 | 0.023940048805936875 | 0.018463017032424905 | 0.014490003478511261 | 0.015445704433420197 | 0.013260407962321348 | 0.04825146953623522 | 0.04825146953623522 | 0.013265786558804471 | 0.005034994051497499 | 0.008789133339888804 | 0.01401804110283661 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.004334308903018387 | 0.010272550317016576 | 0.010967229300165643 | 0.008871019132083869 | 0.007350691862049117 | 0.008296668635488808 | 0.007247797550127812 | 0.02851564938584206 | 0.02851564938584206 | 0.007605083447735179 | 0.0008609572227628543 | 0.004268967381254107 | 0.007657583666099035 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 201 6 (juil. - sept. 2016) | 0.6770912705730295 | 1.0806112874095015 | 0.8332054795866007 | 0.7578729611049446 | 0.6995594773445958 | 0.3782329418548628 | 0.5904986440686749 | 0.6155693220939157 | 0.6155693220939157 | 0.9366464729438341 | 0.8102603341167041 | 0.8541636942978076 | 0.6008509737828742 TRIM 4 2015 (juil. - sept. 2015) | 0.8800508175776631 | 0.9477422658245843 | 0.5522567733120629 | 0.6354979492970743 | 0.5107627361351328 | 0.4954524862876954 | 0.5923274445950876 | 0.5009314662153207 | 0.5009314662153207 | 0.7490805608342551 | 0.7148427929767251 | 0.7326180110047071 | 0.5980370844962793 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.5913411826168897 | 1.118898252521943 | 0.7253859185085992 | 0.6752080410433678 | 0.6230409619146867 | 0.3281101295659893 | 0.49759013671977587 | 0.5139899591332413 | 0.5139899591332413 | 1.0633732637111362 | 0.7879742780532948 | 0.9009224007614355 | 0.5131372781157897 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.6856136647427727 | 0.9200078533327017 | 0.6353475633230857 | 0.6218392164985058 | 0.6409289433457857 | 0.5043522634156501 | 0.5993136998081318 | 0.5135573005486339 | 0.5135573005486339 | 0.6637767459866694 | 0.779948987372431 | 0.7172129794678814 | 0.6039584532746723 Productivité par employé ('000) TRIM 4 201 6 (juil. - sept. 2016) | 4510.701592151556 | 1208.9907112643677 | 4306.34030550107 | 2526.97004048583 | 3128.8255387149447 | 5407.901844163196 | 3889.782729025032 | 5540.92285142857 | 5540.92285142857 | 6403.726027397261 | 4852.2430939226515 | 5298.141732283465 | 3954.1907793328232 TRIM 4 2015 (juil. - sept. 2015) | 3827.7488566608417 | 861.6616226415097 | 4374.249747064675 | 2662.85 | 2665.013720082192 | 4064.2337249804764 | 3241.696708742912 | 4767.653417872341 | 4767.653417872341 | 11282.24 | 4503.908045977011 | 6545.574297188755 | 3360.7953334285053 CUMUL 2016 (octobre 2015 - sept. 2016) | 4248.7397139385075 | 924.0659584070797 | 4019.023697366072 | 2582.7159663865546 | 2941.9717203651107 | 6870.057843196617 | 4159.868845802437 | 5119.021304857143 | 5119.021304857143 | 7813.6 | 4708.715083798883 | 5625.511811023622 | 4216.334641971632 CUMUL 2015 (octobre 2014 - sept. 2015) | 3242.9347772723004 | 905.1859108280255 | 3230.573763258145 | 2457.9636363636364 | 2282.5178260781895 | 3878.687916746242 | 2884.371991947998 | 4320.785065507246 | 4320.785065507246 | 11059.971830985916 | 3757.6067415730336 | 5839.807228915663 | 2992.288856337569 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [bilsysbandéc. 24] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ DILAN PAR DANQUE (DEVISES ET GOURDES) AU 31 décembre 2024 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8038509 | 284350.56591 | 991881.7876520399 | 1271261 | 3555006.8786199996 | 9473176.425810779 | 23614185.657992817 | 77528.37138 | 77528.37138 | 63 | 63 | 23691777.02937282 Avoirs à la BRH | 42356511 | 1681339.59246 | 18749154.41189008 | 20891236 | 71287852.18024 | 100218184.09170781 | 255184277.27629793 | 1890511.9573300001 | 1890511.9573300001 | 929787 | 929787 | 258004576.23362792 Avoirs à l'étranger | 1901499 | 0 | 172912.77740836 | 9142997 | 5127042.751189999 | 13176697.601320932 | 29521149.12991929 | 0 | 0 | 20768 | 20768 | 29541917.12991929 Avoirs dans les banques locales | 0 | 0 | 380019.808563242 | 61322 | 6914.36 | 5595.881450009137 | 453852.05001325114 | 147142.10982 | 147142.10982 | 0 | 0 | 600994.1598332511 Autres liquidités | 467529 | 43562.7209 | 187517.227969873 | 160573 | 185512.42792000002 | 915874.1545226049 | 1960568.531312478 | 15397.03226 | 15397.03226 | 0 | 0 | 1975965.563572478 52764048 | 2009252.87927 | 20481486.0134836 | 31527389 | 80162328.59797001 | 123789528.15481214 | 310734032.64553577 | 2130579.4707899997 | 2130579.4707899997 | 950618 | 950618 | 313815230.11632574 Bons B.R.H. | 15000000 | 1300000 | 0 | 0 | 2250000 | 2200000 | 20750000 | 0 | 0 | 0 | 0 | 20750000 Bons du Trésor / M.E.F. | 18883000 | 2490000 | 0 | 0 | 0 | 13550000 | 34923000 | 0 | 0 | 0 | 0 | 34923000 Autres Placements | 16201275 | 0 | 5034852.262241155 | 6253132 | 52477469.944630004 | 54295891.087898254 | 134262620.2947694 | 2617117.71676 | 2617117.71676 | 0 | 0 | 136879738.01152942 Portefeuille net | 15729675 | 171676.19908000017 | 14287856.408734636 | 11777384 | 28611827.434189998 | 42313270.945769995 | 112891689.98777464 | 4810309.517329908 | 4810309.517329908 | 0 | 0 | 117701999.50510454 Immobilisations | 2847591.9984100005 | 352577.11397999997 | 5076929.43916 | 1842097 | 6308850.322959999 | 4597332.87228 | 21025378.74679 | 630400.61349 | 630400.61349 | 232160 | 232160 | 21887939.36028 Autres actifs | 3528282 | 1236740.78514 | 2125356.4579384006 | 1631385 | 5779850.179429999 | 4866817.721940225 | 19168432.144448623 | 1648830.82245 | 1648830.82245 | -19886 | -19886 | 20797376.966898624 124953871.99841 | 7560246.97747 | 47006480.58155779 | 53031387 | 175590326.47918 | 245612840.78270063 | 653755153.8193185 | 11837238.140819909 | 11837238.140819909 | 1162892 | 1162892 | 666755283.9601384 PASSIF Dépôts À vue | 46122647 | 1993650.9686699999 | 16534980.098803192 | 18890692 | 73065587.84793796 | 95428918.26308471 | 252036476.17849588 | 3747801.509029104 | 3747801.509029104 | 3 | 3 | 255784280.68752497 Épargne | 39774079 | 600010.13213 | 8768558.088742578 | 11781118 | 48666148.36821614 | 75916728.60751504 | 185506642.19660375 | 1236946.276116356 | 1236946.276116356 | 0 | 0 | 186743588.4727201 À terme | 12349686 | 2187646.12143 | 12412681.961805498 | 10349720 | 25063618.27943958 | 34174337.70227584 | 96537690.06495093 | 2987499.015413946 | 2987499.015413946 | 0 | 0 | 99525189.08036487 98246412 | 4781307.22223 | 37716220.14935127 | 41021530 | 146795354.49559367 | 205519984.5728756 | 534080808.4400506 | 7972246.800559405 | 7972246.800559405 | 3 | 3 | 542053058.2406099 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 | 4977297 | 292689.79441000003 | 3426149.5887261285 | 3817913 | 10799680.041359998 | 12010035.150317037 | 35323764.574813165 | 420854.16566999996 | 420854.16566999996 | 482910 | 482910 | 36227528.740483165 4977297 | 292689.79441000003 | 3426149.5887261285 | 4467913 | 10799680.041359998 | 12010035.150317037 | 35973764.574813165 | 420854.16566999996 | 420854.16566999996 | 482910 | 482910 | 36877528.740483165 Obligations à terme Banques locales | 0 | 0 | 0 | 351217 | 2073134.0531 | 1826456.9254700001 | 4250807.97857 | 1488519.52855 | 1488519.52855 | 0 | 0 | 5739327.50712 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8789041 | 1037834.48537 | 648875.8221621392 | -43916 | 221756.84806 | 2956151.8217208683 | 13609743.977313008 | 345714.21172999986 | 345714.21172999986 | 98013 | 98013 | 14053471.189043008 8789041 | 1037834.48537 | 648875.8221621392 | 307301 | 2294890.90116 | 4782608.7471908685 | 17860551.955883007 | 1834233.7402799998 | 1834233.7402799998 | 98013 | 98013 | 19792798.696163006 Autres passifs | 1190250 | 48814.475869999995 | 1863813.7886053254 | 1732347 | 2902317.4217700004 | 2297012.42495168 | 10034555.111197006 | 490474.90412 | 490474.90412 | 0 | 0 | 10525030.015317006 113203000 | 6160645.97788 | 43655059.348844856 | 47529091 | 162792242.85988367 | 224609640.89533517 | 597949680.0819438 | 10717809.610629406 | 10717809.610629406 | 580926 | 580926 | 609248415.6925732 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12527000 | 21445155.76157 | 300000 | 300000 | 133333 | 133333 | 21878488.76157 Réserves | 1623185 | 58117.833620000005 | 930894.1470000001 | 706455 | 3272255.1226 | 2116731.10039 | 8707638.20361 | 370248.24069 | 370248.24069 | 74036 | 74036 | 9151922.4443 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1198554.27904 | 1384 | 0 | 0 | 3214263.27904 | 0 | 0 | 0 | 0 | 3214263.27904 BNR | 7127687 | -837841.83403 | 493817.08280292316 | 2769457 | 6525828.494210002 | 6359468.782010001 | 22438416.524992924 | 449180.2895 | 449180.2895 | 374597 | 374597 | 23262193.814492926 11750872 | 1399600.9995900001 | 3351421.270412923 | 5502296 | 12798083.616810001 | 21003199.882400002 | 55805473.76921293 | 1119428.53019 | 1119428.53019 | 581966 | 581966 | 57506868.29940292 124953872 | 7560246.97747 | 47006480.61925778 | 53031387 | 175590326.47669366 | 245612840.77773517 | 653755153.8511567 | 11837238.140819406 | 11837238.140819406 | 1162892 | 1162892 | 666755283.991976 Hors-bilan Effets à l'encaissement | 1623465 | 0 | 0 | 0 | 11571.379989230014 | 0 | 1635036.37998923 | 0 | 0 | 0 | 0 | 1635036.37998923 Crédit documentaire | 0 | 0 | 0 | 0 | 1637415.693598201 | 1949395.762050704 | 3586811.455648905 | 0 | 0 | 0 | 0 | 3586811.455648905 Autres | 4719125 | 182052.65643 | 4044159.016698276 | 45416 | 8279934.04486149 | 3947787.3108369913 | 21218474.02882676 | 571446.430545663 | 571446.430545663 | 0 | 0 | 21789920.45937242 Portefeuille brut | 20850473 | 1305398.88063 | 14575993.684994932 | 11882913 | 31067325.04722 | 43462043.902329996 | 123144147.51517494 | 5136748.528419908 | 5136748.528419908 | 0 | 0 | 128280896.04359485 Provisions pour créances Fouteuses | 5120798 | 1133722.6815499999 | 288137.27626029646 | 367036 | 2455497.61303 | 1148772.95656 | 10513964.527400298 | 326439.01109000004 | 326439.01109000004 | 0 | 0 | 10840403.538490297 Portefeuille de crédit improFuctif | 9322378 | 1216953.206459899 | 103751.32196662998 | 300075 | 1432048 | 233856.58362999998 | 12609062.112056527 | 686347.053537654 | 686347.053537654 | 0 | 0 | 13295409.165594181 Dépôts US convertis | 40514733 | 2584851.12354 | 26222581.844031267 | 29741201 | 98261745.20726368 | 149269492.20128557 | 346594604.3761205 | 6195165.488379406 | 6195165.488379406 | 0 | 0 | 352789769.8644999 Immobilisation /A | 0.24233027118413003 | 0.25191259086217005 | 1.5148586314648769 | 0.3347869689307882 | 0.49295273510117266 | 0.21888725994234884 | 0.3767619433488153 | 0.5631450302441393 | 0.5631450302441393 | 0.398923648460563 | 0.398923648460563 | 0.38061435107756086 Liquidité en % de l'actif | 0.6934322771614677 | 0.7670718822483088 | 0.43571621955290923 | 0.5945043262775684 | 0.46934435541209474 | 0.5681279843111542 | 0.5604652299946555 | 0.17998957573074767 | 0.17998957573074767 | 0.8174602628618994 | 0.8174602628618994 | 0.5541586831105119 Liquidité en % des dépôts | 0.8819360039326424 | 1.2129011188210639 | 0.543041851287844 | 0.7685571211020165 | 0.5614096500611249 | 0.6789584401965185 | 0.6860516739325303 | 0.26724956265033073 | 0.26724956265033073 | 316872.6666666667 | 316872.6666666667 | 0.6816458730361318 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. BPH | 2009252.87927 | BNC | 15000000 | UNIBK | 42313270.945769995 | UNIBK | 21003199.882400002 SOGEBL | 2130579.4707899997 | SOGEBK | 2250000 | SOGEBK | 28611827.434189998 | SOGEBK | 12798083.616810001 CBNA | 950618 | CAPITALBK | 0 | BNC | 15729675 | BNC | 11750872 BUH | 20481486.0134836 | UNIBK | 2200000 | BUH | 14287856.408734636 | CAPITALBK | 5502296 CAPITALBK | 31527389 | BPH | 1300000 | CAPITALBK | 11777384 | BUH | 3351421.270412923 BNC | 52764048 | BUH | 0 | SOGEBL | 4810309.517329908 | SOGEBL | 1119428.53019 SOGEBK | 80162328.59797001 | CBNA | 0 | BPH | 171676.19908000017 | CBNA | 581966 UNIBK | 123789528.15481214 | SOGEBL | 0 | CBNA | 0 | BPH | 1399600.9995900001 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 24$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 31 décembre 2024 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5446314 | 13467.97256 | 145787.39313204 | 447358 | 929333.2178100001 | 1723917.266860778 | 8706177.850362819 | 23146.355340000002 | 23146.355340000002 | 63 | 63 | 8729387.205702819 Avoirs à la BRH | 15385786 | 860066.51509 | 13034075.431070078 | 12225952 | 44879858.69465 | 71257592.34676781 | 157643330.9875779 | 1344590.0800500002 | 1344590.0800500002 | 331538 | 331538 | 159319459.06762788 Avoirs à l'étranger | 1901499 | 0 | 172912.77740836 | 9142997 | 5127042.751189999 | 13176697.601320932 | 29521149.12991929 | 0 | 0 | 20768 | 20768 | 29541917.12991929 Avoirs dans les banques locales | 0 | 0 | 287701.436473242 | 1183 | 0 | 7.457313354825601e-09 | 288884.43647324946 | 34262.71856 | 34262.71856 | 0 | 0 | 323147.15503324947 Autres liquidités | 62728 | 10535.58478 | 525.392839873 | 63255 | 110978.91866000001 | 266236.980482605 | 514259.87676247803 | 12458.178679999999 | 12458.178679999999 | 0 | 0 | 526718.055442478 22796327 | 884070.0724300001 | 13641002.430923594 | 21880745 | 51047213.58231 | 86424444.19543216 | 196673802.2810957 | 1414457.33263 | 1414457.33263 | 352369 | 352369 | 198440628.61372572 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 | 16233703 | 0 | 3969674.8838245617 | 3198592 | 36631521.47987001 | 41122458.78374827 | 101155950.14744283 | 1657700.44169 | 1657700.44169 | 0 | 0 | 102813650.58913283 Portefeuille net | 5049173 | 627356.6148999999 | 10338573.674129738 | 7131181 | 16792408.76374 | 29324944.11169 | 69263637.16445974 | 2635213.943629908 | 2635213.943629908 | 0 | 0 | 71898851.10808964 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 349308 | 1180571.46376 | 891746.5701708519 | 326798 | 1518327.83988 | 816160.4387802251 | 5082912.312591077 | 1151287.70307 | 1151287.70307 | 356 | 356 | 6234556.015661077 44428511 | 2691998.15109 | 28840997.559048746 | 32537316 | 105989471.66580002 | 157688007.52965066 | 372176301.90558934 | 6858659.421019908 | 6858659.421019908 | 352725 | 352725 | 379387686.32660925 PASSIF Dépôts À vue | 17730258 | 936531.20827 | 10459719.261543192 | 13347412 | 44876638.757357955 | 70440405.9466547 | 157790965.17382586 | 3165017.692809104 | 3165017.692809104 | 0 | 0 | 160955982.86663496 Épargne | 16135498 | 245870.53313000003 | 5622658.983552579 | 8249840 | 32804630.57802614 | 51689167.84879503 | 114747665.94350374 | 920931.668606356 | 920931.668606356 | 0 | 0 | 115668597.6121101 À terme | 6648977 | 1402449.38214 | 10140203.598935498 | 8143949 | 20580475.871879585 | 27139918.40583584 | 74055973.25879093 | 2109216.126963946 | 2109216.126963946 | 0 | 0 | 76165189.38575487 40514733 | 2584851.12354 | 26222581.844031267 | 29741201 | 98261745.20726368 | 149269492.20128557 | 346594604.3761205 | 6195165.488379406 | 6195165.488379406 | 0 | 0 | 352789769.8644999 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 | 1200188 | 27358.010019999998 | 1374087.204652778 | 1584534 | 5507486.786269999 | 5080054.116657037 | 14773708.117599815 | 226258.54494999998 | 226258.54494999998 | 326753 | 326753 | 15326719.662549814 1200188 | 27358.010019999998 | 1374087.204652778 | 1584534 | 5507486.786269999 | 5080054.116657037 | 14773708.117599815 | 226258.54494999998 | 226258.54494999998 | 326753 | 326753 | 15326719.662549814 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 | 2729019 | 8797.36275 | 527492.9984412 | 0 | 615126.4804800001 | 1395513.579140868 | 5275949.4208120685 | 314273.39756 | 314273.39756 | 27213 | 27213 | 5617435.818372069 2729019 | 8797.36275 | 527492.9984412 | 0 | 615126.4804800001 | 1395513.579140868 | 5275949.4208120685 | 314273.39756 | 314273.39756 | 27213 | 27213 | 5617435.818372069 Autres passifs | 0 | 4960.55004 | 702303.1107536242 | 1229584 | 1614371.22107 | 1945342.44606168 | 5496561.327925304 | 125760.77551 | 125760.77551 | 0 | 0 | 5622322.103435304 44443940 | 2625967.04635 | 28826465.157878872 | 32555319 | 105998729.69508368 | 157690402.34314516 | 372140823.2424577 | 6861458.206399406 | 6861458.206399406 | 353966 | 353966 | 379356247.44885707 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 44443940 | 2625967.04635 | 28826465.157878872 | 32555319 | 105998729.69508368 | 157690402.34314516 | 372140823.2424577 | 6861458.206399406 | 6861458.206399406 | 353966 | 353966 | 379356247.44885707 Actif devises en % actif total | 0.3555592979188779 | 0.35607277898623146 | 0.6135536462681708 | 0.6135482747226657 | 0.6036179429187822 | 0.6420185810609181 | 0.569290046481912 | 0.5794138243589346 | 0.5794138243589346 | 0.3033170750164246 | 0.3033170750164246 | 0.5690058938464906 Dépôts devises en % dépôts totaux | 0.4123787543508459 | 0.5406159870928408 | 0.6952600695454978 | 0.7250144253517604 | 0.6693791199653609 | 0.7263015930616514 | 0.6489553619956089 | 0.7770915330850893 | 0.7770915330850893 | 0 | 0 | 0.6508399214821908 [bilsysbandéc. 24 gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 31 décembre 2024 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 2592195 | 270882.59335 | 846094.39452 | 823903 | 2625673.66081 | 7749259.15895 | 14908007.807629999 | 54382.01604 | 54382.01604 | 0 | 0 | 14962389.823669998 Avoirs à la BRH | 26970725 | 821273.07737 | 5715078.980819999 | 8665284 | 26407993.48559 | 28960591.744939998 | 97540946.28872 | 545921.87728 | 545921.87728 | 598249 | 598249 | 98685117.166 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 92318.37209 | 60139 | 6914.36 | 5595.88145000168 | 164967.61354000168 | 112879.39126 | 112879.39126 | 0 | 0 | 277847.0048000017 Autres liquidités | 404801 | 33027.13612 | 186991.83513 | 97318 | 74533.50926 | 649637.17404 | 1446308.6545499999 | 2938.85358 | 2938.85358 | 0 | 0 | 1449247.50813 29967721 | 1125182.8068399997 | 6840483.582559998 | 9646644 | 29115115.01566 | 37365083.95938 | 114060230.36444001 | 716122.13816 | 716122.13816 | 598249 | 598249 | 115374601.5026 Bons B.R.H. | 15000000 | 1300000 | 0 | 0 | 2250000 | 2200000 | 20750000 | 0 | 0 | 0 | 0 | 20750000 Bons du Trésor / M.E.F. | 18883000 | 2490000 | 0 | 0 | 0 | 13550000 | 34923000 | 0 | 0 | 0 | 0 | 34923000 Autres Placements | -32428 | 0 | 1065177.3784165932 | 3054540 | 15845948.464759998 | 13173432.30415 | 33106670.147326592 | 959417.27507 | 959417.27507 | 0 | 0 | 34066087.42239659 Portefeuille net | 10680502 | -455680.41581999994 | 3949282.7346048984 | 4646203 | 11819418.67045 | 12988326.834080001 | 43628052.823314905 | 2175095.5737 | 2175095.5737 | 0 | 0 | 45803148.39701491 Immobilisations | 2847591.9984100005 | 352577.11397999997 | 5076929.43916 | 1842097 | 6308850.322959999 | 4597332.87228 | 21025378.74679 | 630400.61349 | 630400.61349 | 232160 | 232160 | 21887939.36028 Autres actifs | 3178974 | 56169.32138 | 1233609.8877675487 | 1304587 | 4261522.33955 | 4050657.28316 | 14085519.831857547 | 497543.11937999993 | 497543.11937999993 | -20242 | -20242 | 14562820.951237546 80525360.99841 | 4868248.8263799995 | 18165483.02250904 | 20494071 | 69600854.81337999 | 87924833.25305 | 281578851.9137291 | 4978578.7198 | 4978578.7198 | 810167 | 810167 | 287367597.63352907 PASSIF Dépôts À vue | 28392389 | 1057119.7604 | 6075260.8372599995 | 5543280 | 28188949.090579998 | 24988512.31643 | 94245511.00467 | 582783.8162199999 | 582783.8162199999 | 3 | 3 | 94828297.82089 Épargne | 23638581 | 354139.599 | 3145899.10519 | 3531278 | 15861517.790190004 | 24227560.758720003 | 70758976.25310001 | 316014.60750999994 | 316014.60750999994 | 0 | 0 | 71074990.86061001 À terme | 5700709 | 785196.73929 | 2272478.3628700003 | 2205771 | 4483142.407559996 | 7034419.29644 | 22481716.806159995 | 878282.8884500001 | 878282.8884500001 | 0 | 0 | 23359999.694609996 57731679 | 2196456.09869 | 11493638.30532 | 11280329 | 48533609.288329996 | 56250492.371589996 | 187486204.06393 | 1777081.31218 | 1777081.31218 | 3 | 3 | 189263288.37611002 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 | 3777109 | 265331.78439 | 2052062.3840733508 | 2233379 | 5292193.25509 | 6929981.033659999 | 20550056.45721335 | 194595.62072 | 194595.62072 | 156157 | 156157 | 20900809.07793335 3777109 | 265331.78439 | 2052062.3840733508 | 2883379 | 5292193.25509 | 6929981.033659999 | 21200056.45721335 | 194595.62072 | 194595.62072 | 156157 | 156157 | 21550809.07793335 Obligations à terme Banques locales | 0 | 0 | 0 | 351217 | 2073134.0531 | 1826456.9254700001 | 4250807.97857 | 1488519.52855 | 1488519.52855 | 0 | 0 | 5739327.50712 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6060022 | 1029037.12262 | 121382.8237209392 | -43916 | -393369.6324199999 | 1560638.2425799998 | 8333794.55650094 | 31440.81416999991 | 31440.81416999991 | 70800 | 70800 | 8436035.37067094 6060022 | 1029037.12262 | 121382.8237209392 | 307301 | 1679764.42068 | 3387095.16805 | 12584602.53507094 | 1519960.3427199998 | 1519960.3427199998 | 70800 | 70800 | 14175362.87779094 Autres passifs | 1190250 | 43853.92583 | 1161510.6778517012 | 502763 | 1287946.2007000002 | 351669.97889 | 4537993.783271701 | 364714.12861 | 364714.12861 | 0 | 0 | 4902707.911881701 68759060 | 3534678.93153 | 14828594.190965991 | 14973772 | 56793513.164799996 | 66919238.55219 | 225808856.83948597 | 3856351.4042299995 | 3856351.4042299995 | 226960 | 226960 | 229892168.243716 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12527000 | 21445155.76157 | 300000 | 300000 | 133333 | 133333 | 21878488.76157 Réserves | 1623185 | 58117.833620000005 | 930894.1470000001 | 706455 | 3272255.1226 | 2116731.10039 | 8707638.20361 | 370248.24069 | 370248.24069 | 74036 | 74036 | 9151922.4443 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1198554.27904 | 1384 | 0 | 0 | 3214263.27904 | 0 | 0 | 0 | 0 | 3214263.27904 BNR | 7127687 | -837841.83403 | 493817.08280292316 | 2769457 | 6525828.494210002 | 6359468.782010001 | 22438416.524992924 | 449180.2895 | 449180.2895 | 374597 | 374597 | 23262193.814492926 11750872 | 1399600.9995900001 | 3351421.270412923 | 5502296 | 12798083.616810001 | 21003199.882400002 | 55805473.769212924 | 1119428.53019 | 1119428.53019 | 581966 | 581966 | 57506868.29940292 80509932 | 4934279.931120001 | 18180015.461378913 | 20476068 | 69591596.78161 | 87922438.43459 | 281614330.6086989 | 4975779.93442 | 4975779.93442 | 808926 | 808926 | 287399036.54311895 [bilsysbansept 24] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ DILAN PAR DANQUE (DEVISES ET GOURDES) AU 30 Septembre 2024 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 9038208 | 285014.05668 | 1857679.718911936 | 1919352 | 5310103.22613 | 16694923.11473603 | 35105280.11645797 | 83292.10286 | 83292.10286 | 63 | 63 | 35188635.21931797 Avoirs à la BRH | 35435329 | 1843005.50225 | 17861677.726002168 | 19744935 | 66126189.17336 | 90962293.21994957 | 231973429.62156174 | 2021585.3487300002 | 2021585.3487300002 | 2402006 | 2402006 | 236397020.97029173 Avoirs à l'étranger | 2046647 | 0 | 1365671.014062079 | 8215885 | 7312280.24273 | 13738031.268970974 | 32678514.525763053 | 0 | 0 | 415913 | 415913 | 33094427.525763053 Avoirs dans les banques locales | 0 | 0 | 382449.835862308 | 24403 | 6914.36 | 1311.3831000113878 | 415078.57896231936 | 179617.43907000002 | 179617.43907000002 | 0 | 0 | 594696.0180323194 Autres liquidités | 363315 | 22799.633719999998 | 6933.339513925001 | 359845 | 304464.40187999996 | 1556559.984165771 | 2613917.359279696 | 52774.25278 | 52774.25278 | 0 | 0 | 2666691.612059696 46883499 | 2150819.1926499996 | 21474411.634352416 | 30264420 | 79059951.4041 | 122953118.97092238 | 302786220.20202476 | 2337269.1434400002 | 2337269.1434400002 | 2817982 | 2817982 | 307941471.34546477 Bons B.R.H. | 14900000 | 0 | 0 | 1500000 | 2500000 | 0 | 18900000 | 0 | 0 | 0 | 0 | 18900000 Bons du Trésor / M.E.F. | 17455000 | 1534800 | 0 | 0 | 0 | 10198000 | 29187800 | 0 | 0 | 0 | 0 | 29187800 Autres Placements | 17040940 | 0 | 5982208.745499163 | 5509798 | 47658860.10059999 | 57825675.03273854 | 134017481.87883769 | 2505741.32883 | 2505741.32883 | 0 | 0 | 136523223.20766768 Portefeuille net | 15801864 | 175349.8027703201 | 12398174.758378172 | 11569274 | 28451664.77642 | 41228653.55623999 | 109624980.89380848 | 4921953.2070201505 | 4921953.2070201505 | 13861 | 13861 | 114560795.10082863 Immobilisations | 2871245.9984100005 | 351414.31007999997 | 5091805.233744239 | 1824423 | 6336796.02994 | 4441006.01866 | 20916690.590834238 | 584143.5838199999 | 584143.5838199999 | 240556 | 240556 | 21741390.174654238 Autres actifs | 3427458 | 1241661.86904 | 1393342.2731041806 | 1601825 | 4883967.24744 | 3894528.562856447 | 16442782.952440627 | 1712779.0554599997 | 1712779.0554599997 | 9682 | 9682 | 18165244.007900625 118380006.99841 | 5454045.17454032 | 46339942.645078175 | 52269740 | 168891239.55850002 | 240540982.14141735 | 631875956.5179458 | 12061886.318570152 | 12061886.318570152 | 3082081 | 3082081 | 647019923.8365159 PASSIF Dépôts À vue | 42842351 | 1898638.2383700002 | 17145648.461001225 | 19275318 | 69018699.23841283 | 95623175.63199863 | 245803830.56978267 | 3972487.360535741 | 3972487.360535741 | 1935043 | 1935043 | 251711353.45031843 Épargne | 38039060 | 563469.27933 | 8449730.178003766 | 10939888 | 47052137.43415994 | 72402671.61776856 | 177446956.50926226 | 1266264.0718756327 | 1266264.0718756327 | 9 | 9 | 178713229.5811379 À terme | 12261913 | 2127117.0969000002 | 12536183.118015284 | 10222663 | 24713707.84460818 | 34158161.836871475 | 96019745.89639494 | 2947047.050515607 | 2947047.050515607 | 4430 | 4430 | 98971222.94691055 93143324 | 4589224.614600001 | 38131561.75702027 | 40437869 | 140784544.51718095 | 202184009.08663866 | 519270532.9754399 | 8185798.482926981 | 8185798.482926981 | 1939482 | 1939482 | 529395805.9783669 Obligations à vue Banques locales | 0 | 0 | 400000 | 650000 | 0 | 0 | 1050000 | 0 | 0 | 0 | 0 | 1050000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4169893 | 362641.75638000004 | 2578858.0784079167 | 3421538 | 10653099.57848 | 10546934.192636255 | 31732964.605904173 | 378113.46045 | 378113.46045 | 399360 | 399360 | 32510438.066354174 4169893 | 362641.75638000004 | 2978858.0784079167 | 4071538 | 10653099.57848 | 10546934.192636255 | 32782964.605904173 | 378113.46045 | 378113.46045 | 399360 | 399360 | 33560438.06635417 Obligations à terme Banques locales | 2043399 | 0 | 0 | 367985 | 2144699.62505 | 1875857.10335 | 6431940.728399999 | 1516757.90146 | 1516757.90146 | 0 | 0 | 7948698.62986 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 6756640 | 1038903.5915099999 | 685105.8170552914 | 209017 | 216362.8401900002 | 3281025.2349745804 | 12187054.483729871 | 336212.1195200002 | 336212.1195200002 | 112015 | 112015 | 12635281.60324987 8800039 | 1038903.5915099999 | 685105.8170552914 | 577002 | 2361062.4652400003 | 5156882.33832458 | 18618995.21212987 | 1852970.0209800003 | 1852970.0209800003 | 112015 | 112015 | 20583980.23310987 Autres passifs | 896130 | 27495.69227 | 1229588.8096711175 | 1789639 | 3194494.71108 | 2397051.727261207 | 9534399.940282324 | 537300.30402 | 537300.30402 | 0 | 0 | 10071700.244302325 107009386 | 6018265.654760001 | 43025114.4621546 | 46876048 | 156993201.27198094 | 220284877.3448607 | 580206892.7337562 | 10954182.268376982 | 10954182.268376982 | 2450857 | 2450857 | 593611932.0021331 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12531625 | 21449780.76157 | 300000 | 300000 | 133333 | 133333 | 21883113.76157 Réserves | 1623185 | 58117.833620000005 | 930894.1470000001 | 706455 | 3272255.1226 | 2113458.0720999995 | 8704365.17532 | 353292.97482 | 353292.97482 | 74036 | 74036 | 9131694.150139999 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 | 6747436 | -841140.3467100001 | 457223.99551356555 | 2660853 | 5625783.166620005 | 5611021.728 | 20261177.54342357 | 454411.0753800003 | 454411.0753800003 | 423855 | 423855 | 21139443.618803572 11370621 | -564220.4805200001 | 3314828.1831235653 | 5393692 | 11898038.289220005 | 20256104.8001 | 51669063.79192357 | 1107704.0502000004 | 1107704.0502000004 | 631224 | 631224 | 53407991.84212357 118380007 | 5454045.1742400015 | 46339942.64527816 | 52269740 | 168891239.56120095 | 240540982.1449607 | 631875956.5256798 | 12061886.318576982 | 12061886.318576982 | 3082081 | 3082081 | 647019916.3642569 Hors-bilan Effets à l'encaissement | 1636081 | 0 | 0 | 0 | 2603.8385049639996 | -0.26295 | 1638684.5755549641 | 0 | 0 | 0 | 0 | 1638684.5755549641 Crédit documentaire | 0 | 0 | 0 | 0 | 1654805.912489959 | 1935998.2137499999 | 3590804.126239959 | 0 | 0 | 0 | 0 | 3590804.126239959 Autres | 4903500 | 296906.431453107 | 4872623.17173931 | 136707 | 9921335.216337316 | 3713273.41183 | 23844345.231359735 | 525532.41022 | 525532.41022 | 0 | 0 | 24369877.641579736 Portefeuille brut | 20973010 | 1311166.83193032 | 12642981.978719886 | 11926443 | 30788915.750040002 | 42406567.365839995 | 120049084.92653021 | 5248734.039570151 | 5248734.039570151 | 13861 | 13861 | 125311679.96610036 Provisions pour créances Fouteuses | 5171146 | 1135817.02916 | 244807.22034171392 | 357169 | 2337250.9736200003 | 1177913.8096 | 10424104.032721713 | 326780.83255000005 | 326780.83255000005 | 0 | 0 | 10750884.865271714 Portefeuille de crédit improFuctif | 9487224 | 1230173.9675612089 | 34488.756460000004 | 157907 | 1324738 | 233925.52156999998 | 12468457.24559121 | 520401.555707488 | 520401.555707488 | 0 | 0 | 12988858.801298698 Dépôts US convertis | 39435495 | 2716745.03886 | 27068766.752350286 | 29953141 | 98301787.19911095 | 149776195.82776865 | 347252130.8180899 | 6483839.89304698 | 6483839.89304698 | 1336485 | 1336485 | 355072455.7111369 Immobilisation /A | 0.25251444036433895 | -0.6228315387561393 | 0.5325916656093916 | 0.33825123866917134 | 0.5325916656093916 | 0.21924284370004224 | 0.40481151694945994 | 0.527346256172423 | 0.527346256172423 | 0.3810945084470806 | 0.3810945084470806 | 0.40707257827416987 Liquidité en % de l'actif | 0.6693571069062724 | 0.6757588312349525 | 0.48291404348328865 | 0.6077018940595458 | 0.48291404348328865 | 0.5535485794792382 | 0.5552878853094245 | 0.1937731032866397 | 0.1937731032866397 | 0.9143114668303656 | 0.9143114668303656 | 0.5502586711214722 Liquidité en % des dépôts | 0.8507158172710263 | 0.8031028119488198 | 0.5793246104095372 | 0.7855117192253628 | 0.5793246104095372 | 0.6585640455564677 | 0.6757056350680664 | 0.28552732495367605 | 0.28552732495367605 | 1.4529559954668307 | 1.4529559954668307 | 0.672520007383688 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. BPH | 2150819.1926499996 | BNC | 14900000 | UNIBK | 41228653.55623999 | UNIBK | 20256104.8001 SOGEBL | 2337269.1434400002 | SOGEBK | 2500000 | SOGEBK | 28451664.77642 | SOGEBK | 11898038.289220005 CBNA | 2817982 | CAPITALBK | 1500000 | BNC | 15801864 | BNC | 11370621 BUH | 21474411.634352416 | UNIBK | 0 | BUH | 12398174.758378172 | CAPITALBK | 5393692 CAPITALBK | 30264420 | BPH | 0 | CAPITALBK | 11569274 | BUH | 3316038.7508735657 BNC | 46883499 | BUH | 0 | SOGEBL | 4921953.2070201505 | SOGEBL | 1107704.0502000004 SOGEBK | 79059951.4041 | CBNA | 0 | BPH | 175349.8027703201 | CBNA | 631224 UNIBK | 122953118.97092238 | SOGEBL | 0 | CBNA | 13861 | BPH | -564220.4805200001 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 24] SYSTÈME BANCAIRE 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 106276681 | 6020059.55797648 | 42771069.389511235 | 44856612 | 151850034.37670344 | 216437497.32077146 | 568211953.6449625 | 10203632.005462354 | 10203632.005462354 | 4392205 | 4392205 | 582807790.650425 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 118926338 | 5486976.251246479 | 46019895.63356754 | 50057914 | 163234519.46364343 | 235482820.96050146 | 619208464.308959 | 11273866.088382354 | 11273866.088382354 | 5010518 | 5010518 | 635492848.3973411 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 | 39435495 | 2716745.03886 | 27068766.752350286 | 29953141 | 98301787.19911095 | 149776195.82776865 | 347252130.8180899 | 6483839.89304698 | 6483839.89304698 | 1336485 | 1336485 | 355072455.7111369 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 [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 | 93143324 | 4589224.614600001 | 27068766.752350286 | 40437869 | 140784544.51718095 | 202184009.08663866 | 508207737.9707699 | 8185798.48292698 | 8185798.48292698 | 1939482 | 1939482 | 518333018.45369685 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 | 8038509 | 284350.56591 | 991881.7876520399 | 1271261 | 3555006.8786199996 | 9473176.425810779 | 23614185.657992817 | 77528.37138 | 77528.37138 | 63 | 63 | 23691777.02937282 Avoirs à la BRH | 42356511 | 1681339.59246 | 18749154.41189008 | 20891236 | 71287852.18024 | 100218184.09170781 | 255184277.27629793 | 1890511.9573300001 | 1890511.9573300001 | 929787 | 929787 | 258004576.23362792 Avoirs à l'étranger | 1901499 | 0 | 172912.77740836 | 9142997 | 5127042.751189999 | 13176697.601320932 | 29521149.12991929 | 0 | 0 | 20768 | 20768 | 29541917.12991929 Avoirs dans les banques locales | 0 | 0 | 380019.808563242 | 61322 | 6914.36 | 5595.881450009137 | 453852.05001325114 | 147142.10982 | 147142.10982 | 0 | 0 | 600994.1598332511 Autres liquidités | 467529 | 43562.7209 | 187517.227969873 | 160573 | 185512.42792000002 | 915874.1545226049 | 1960568.531312478 | 15397.03226 | 15397.03226 | 0 | 0 | 1975965.563572478 52764048 | 2009252.87927 | 20481486.0134836 | 31527389 | 80162328.59797001 | 123789528.15481214 | 310734032.64553577 | 2130579.4707899997 | 2130579.4707899997 | 950618 | 950618 | 313815230.11632574 Bons B.R.H. | 15000000 | 1300000 | 0 | 0 | 2250000 | 2200000 | 20750000 | 0 | 0 | 0 | 0 | 20750000 Bons du Trésor / M.E.F. | 18883000 | 2490000 | 0 | 0 | 0 | 13550000 | 34923000 | 0 | 0 | 0 | 0 | 34923000 Autres Placements | 16201275 | 0 | 5034852.262241155 | 6253132 | 52477469.944630004 | 54295891.087898254 | 134262620.2947694 | 2617117.71676 | 2617117.71676 | 0 | 0 | 136879738.01152942 Portefeuille net | 15729675 | 171676.19908000017 | 14287856.408734636 | 11777384 | 28611827.434189998 | 42313270.945769995 | 112891689.98777464 | 4810309.517329908 | 4810309.517329908 | 0 | 0 | 117701999.50510454 Immobilisations | 2847591.9984100005 | 352577.11397999997 | 5076929.43916 | 1842097 | 6308850.322959999 | 4597332.87228 | 21025378.74679 | 630400.61349 | 630400.61349 | 232160 | 232160 | 21887939.36028 Autres actifs | 3528282 | 1236740.78514 | 2125356.4579384006 | 1631385 | 5779850.179429999 | 4866817.721940225 | 19168432.144448623 | 1648830.82245 | 1648830.82245 | -19886 | -19886 | 20797376.966898624 124953871.99841 | 7560246.97747 | 47006480.58155779 | 53031387 | 175590326.47918 | 245612840.78270063 | 653755153.8193185 | 11837238.140819909 | 11837238.140819909 | 1162892 | 1162892 | 666755283.9601384 PASSIF Dépôts À vue | 46122647 | 1993650.9686699999 | 16534980.098803192 | 18890692 | 73065587.84793796 | 95428918.26308471 | 252036476.17849588 | 3747801.509029104 | 3747801.509029104 | 3 | 3 | 255784280.68752497 Épargne | 39774079 | 600010.13213 | 8768558.088742578 | 11781118 | 48666148.36821614 | 75916728.60751504 | 185506642.19660375 | 1236946.276116356 | 1236946.276116356 | 0 | 0 | 186743588.4727201 À terme | 12349686 | 2187646.12143 | 12412681.961805498 | 10349720 | 25063618.27943958 | 34174337.70227584 | 96537690.06495093 | 2987499.015413946 | 2987499.015413946 | 0 | 0 | 99525189.08036487 98246412 | 4781307.22223 | 37716220.14935127 | 41021530 | 146795354.49559367 | 205519984.5728756 | 534080808.4400506 | 7972246.800559405 | 7972246.800559405 | 3 | 3 | 542053058.2406099 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 | 4977297 | 292689.79441000003 | 3426149.5887261285 | 3817913 | 10799680.041359998 | 12010035.150317037 | 35323764.574813165 | 420854.16566999996 | 420854.16566999996 | 482910 | 482910 | 36227528.740483165 4977297 | 292689.79441000003 | 3426149.5887261285 | 4467913 | 10799680.041359998 | 12010035.150317037 | 35973764.574813165 | 420854.16566999996 | 420854.16566999996 | 482910 | 482910 | 36877528.740483165 Obligations à terme Banques locales | 0 | 0 | 0 | 351217 | 2073134.0531 | 1826456.9254700001 | 4250807.97857 | 1488519.52855 | 1488519.52855 | 0 | 0 | 5739327.50712 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8789041 | 1037834.48537 | 648875.8221621392 | -43916 | 221756.84806 | 2956151.8217208683 | 13609743.977313008 | 345714.21172999986 | 345714.21172999986 | 98013 | 98013 | 14053471.189043008 8789041 | 1037834.48537 | 648875.8221621392 | 307301 | 2294890.90116 | 4782608.7471908685 | 17860551.955883007 | 1834233.7402799998 | 1834233.7402799998 | 98013 | 98013 | 19792798.696163006 Autres passifs | 1190250 | 48814.475869999995 | 1863813.7886053254 | 1732347 | 2902317.4217700004 | 2297012.42495168 | 10034555.111197006 | 490474.90412 | 490474.90412 | 0 | 0 | 10525030.015317006 113203000 | 6160645.97788 | 43655059.348844856 | 47529091 | 162792242.85988367 | 224609640.89533517 | 597949680.0819438 | 10717809.610629406 | 10717809.610629406 | 580926 | 580926 | 609248415.6925732 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728155.76157 | 2025000 | 3000000 | 12527000 | 21445155.76157 | 300000 | 300000 | 133333 | 133333 | 21878488.76157 Réserves | 1623185 | 58117.833620000005 | 930894.1470000001 | 706455 | 3272255.1226 | 2116731.10039 | 8707638.20361 | 370248.24069 | 370248.24069 | 74036 | 74036 | 9151922.4443 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 1198554.27904 | 1384 | 0 | 0 | 3214263.27904 | 0 | 0 | 0 | 0 | 3214263.27904 BNR | 7127687 | -837841.83403 | 493817.08280292316 | 2769457 | 6525828.494210002 | 6359468.782010001 | 22438416.524992924 | 449180.2895 | 449180.2895 | 374597 | 374597 | 23262193.814492926 11750872 | 1399600.9995900001 | 3351421.270412923 | 5502296 | 12798083.616810001 | 21003199.882400002 | 55805473.76921293 | 1119428.53019 | 1119428.53019 | 581966 | 581966 | 57506868.29940292 124953872 | 7560246.97747 | 47006480.61925778 | 53031387 | 175590326.47669366 | 245612840.77773517 | 653755153.8511567 | 11837238.140819406 | 11837238.140819406 | 1162892 | 1162892 | 666755283.991976 Hors-bilan Effets à l'encaissement | 1623465 | 0 | 0 | 0 | 11571.379989230014 | 0 | 1635036.37998923 | 0 | 0 | 0 | 0 | 1635036.37998923 Crédit documentaire | 0 | 0 | 0 | 0 | 1637415.693598201 | 1949395.762050704 | 3586811.455648905 | 0 | 0 | 0 | 0 | 3586811.455648905 Autres | 4719125 | 182052.65643 | 4044159.016698276 | 45416 | 8279934.04486149 | 3947787.3108369913 | 21218474.02882676 | 571446.430545663 | 571446.430545663 | 0 | 0 | 21789920.45937242 Portefeuille brut | 20850473 | 1305398.88063 | 14575993.684994932 | 11882913 | 31067325.04722 | 43462043.902329996 | 123144147.51517494 | 5136748.528419908 | 5136748.528419908 | 0 | 0 | 128280896.04359485 Provisions pour créances douteuses | 5120798 | 1133722.6815499999 | 288137.27626029646 | 367036 | 2455497.61303 | 1148772.95656 | 10513964.527400298 | 326439.01109000004 | 326439.01109000004 | 0 | 0 | 10840403.538490297 Portefeuille de crédit improductif | 9322378 | 1216953.206459899 | 103751.32196662998 | 300075 | 1432048 | 233856.58362999998 | 12609062.112056527 | 686347.053537654 | 686347.053537654 | 0 | 0 | 13295409.165594181 Dépôts US convertis | 40514733 | 2584851.12354 | 26222581.844031267 | 29741201 | 98261745.20726368 | 149269492.20128557 | 346594604.3761205 | 6195165.488379406 | 6195165.488379406 | 0 | 0 | 352789769.8644999 Immobilisation /A | 0.24233027118413003 | 0.25191259086217005 | 1.5148586314648769 | 0.3347869689307882 | 0.49295273510117266 | 0.21888725994234884 | 0.3767619433488153 | 0.5631450302441393 | 0.5631450302441393 | 0.398923648460563 | 0.398923648460563 | 0.38061435107756086 Liquidité en % de l'actif | 0.6934322771614677 | 0.7670718822483088 | 0.43571621955290923 | 0.5945043262775684 | 0.46934435541209474 | 0.5681279843111542 | 0.5604652299946555 | 0.17998957573074767 | 0.17998957573074767 | 0.8174602628618994 | 0.8174602628618994 | 0.5541586831105119 Liquidité en % des dépôts | 0.8819360039326424 | 1.2129011188210639 | 0.543041851287844 | 0.7685571211020165 | 0.5614096500611249 | 0.6789584401965185 | 0.6860516739325303 | 0.26724956265033073 | 0.26724956265033073 | 316872.6666666667 | 316872.6666666667 | 0.6816458730361318 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 123789528.15481214 | CAPITALBK | 0 | UNIBK | 42313270.945769995 | UNIBK | 21003199.882400002 SOGEBK | 80162328.59797001 | BNC | 15000000 | SOGEBK | 28611827.434189998 | SOGEBK | 12798083.616810001 BNC | 52764048 | SOGEBK | 2250000 | BNC | 15729675 | BNC | 11750872 CAPITALBK | 0 | UNIBK | 2200000 | BUH | 14287856.408734636 | CAPITALBK | 5502296 BUH | 20481486.0134836 | BPH | 1300000 | CAPITALBK | 11777384 | BUH | 3351421.270412923 CBNA | 950618 | BUH | 0 | SOGEBL | 4810309.517329908 | SOGEBL | 1119428.53019 SOGEBL | 2130579.4707899997 | CBNA | 0 | BPH | 171676.19908000017 | CBNA | 581966 BPH | 2009252.87927 | SOGEBL | 0 | CBNA | 0 | BPH | 1399600.9995900001 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 | 42273455 | 2681755.15236 | 25725925.2796441 | 29327238 | 98515561.09349318 | 147537339.6340167 | 346061274.15951395 | 6662153.567984669 | 6662153.567984669 | 3441799 | 3441799 | 356165226.7274986 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 | 92208311 | 4892559.539170001 | 38028696.421925396 | 38194690 | 139060465.8677532 | 193362648.02974668 | 505747370.85859525 | 6662153.567984669 | 6662153.567984669 | 3441799 | 3441799 | 515851323.4265799 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 | 42273455 | 2681755.15236 | 25725925.2796441 | 29327238 | 98515561.09349318 | 147537339.6340167 | 346061274.15951395 | 6662153.567984669 | 6662153.567984669 | 3441799 | 3441799 | 356165226.7274986 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 | 92094057 | 4690683.72937 | 37778218.982636556 | 37028252 | 129332295.37609142 | 187147926.7207068 | 488071433.80880475 | 8021818.65798527 | 8021818.65798527 | 4088046 | 4088046 | 500181298.46679 Immobilisation /A | 0.30187946219618306 | -0.7021471932498335 | 0.339218706696423 | 0.2948716113963242 | 0.42115970569716854 | 0.20178453441056687 | 0.3007974447837051 | 0.581594982905156 | 0.581594982905156 | 0.5621365446164034 | 0.5621365446164034 | 0.3094477231722443 Liquidité en % de l'actif | 0.6355939994061607 | 0.7047884587070056 | 0.46371743003951604 | 0.5270749356992396 | 0.48578992570332774 | 0.5493767378882906 | 0.5432300559589256 | 0.20055438533934097 | 0.20055438533934097 | 0.9311205955531597 | 0.9311205955531597 | 0.5402261347329117 Liquidité en % des dépôts | 0.8300844972005088 | 0.8496660165585902 | 0.5574154229022752 | 0.6515979474267378 | 0.5896182085330635 | 0.6420182123264034 | 0.6597929930376981 | 0.29374556729157203 | 0.29374556729157203 | 1.2878318883887314 | 1.2878318883887314 | 0.6590554321238766 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 113952377.35382092 | BNC | 800000 | UNIBK | 52219581.492960006 | UNIBK | 16466371.96907 SOGEBK | 70006676.30512 | SOGEBK | 0 | SOGEBK | 39968237.37019 | BNC | 9842604 BNC | 49845849 | CAPITALBK | 0 | BNC | 22033575 | SOGEBK | 9676881.012829997 CAPITALBK | 24127533 | UNIBK | 0 | BUH | 15318865.81299061 | CAPITALBK | 4681685 BUH | 21058161.910701115 | BPH | 0 | CAPITALBK | 14510277 | BUH | 3402337.9337179996 CBNA | 5264716 | BUH | 0 | SOGEBL | 5056875.055269999 | SOGEBL | 952134.0609299999 SOGEBL | 2356373.6724 | CBNA | 0 | BPH | 310180.8351391199 | CBNA | 471172 BPH | 2270514.55927 | SOGEBL | 0 | CBNA | 96667 | BPH | -350989.49713 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin22] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 juin 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5641672 | 356624.46559 | 1033836.0637963901 | 1873920 | 4222818.58743 | 6624988.45565023 | 19753859.57246662 | 71514.96538000001 | 71514.96538000001 | 35147 | 35147 | 19860521.53784662 Avoirs à la BRH | 35466900 | 1452335.5067 | 17514949.43646825 | 18212776 | 58492253.10661 | 82834751.44644782 | 213973965.49622607 | 1802985.5336499999 | 1802985.5336499999 | 4843627 | 4843627 | 220620578.02987608 Avoirs à l'étranger | 4119494 | 0 | 1250718.214445145 | 3983769 | 6331113.919128071 | 20963637.859084383 | 36648732.9926576 | 0 | 0 | 738369 | 738369 | 37387101.9926576 Avoirs dans les banques locales | 0 | 0 | 349448.71380222 | 22982 | 3686.435 | -2.886717426008545e-09 | 376117.1488022171 | 355106.83515000006 | 355106.83515000006 | 0 | 0 | 731223.9839522172 Autres liquidités | 358176 | 32999.16894 | 4248.6788989 | 232961 | 201532.44342 | 1389783.85524415 | 2219701.14650305 | 29760.20454 | 29760.20454 | 90327 | 90327 | 2339788.3510430497 45586242 | 1841959.14123 | 20153201.107410904 | 24326408 | 69251404.49158807 | 111813161.61642657 | 272972376.35665554 | 2259367.5387199996 | 2259367.5387199996 | 5707470 | 5707470 | 280939213.8953756 Bons B.R.H. | 1600000 | 0 | 0 | 0 | 500000 | 0 | 2100000 | 0 | 0 | 0 | 0 | 2100000 Bons du Trésor / M.E.F. | 22600000 | 1795000 | 0 | 0 | 6750000 | 6700000 | 37845000 | 0 | 0 | 0 | 0 | 37845000 Autres Placements | 15029515 | 0 | 6407761.6220521405 | 5576895 | 28987613.60339 | 36197024.092172064 | 92198809.3176142 | 2354042.47768 | 2354042.47768 | 0 | 0 | 94552851.7952942 Portefeuille net | 23245872 | 367082.99480706966 | 15345839.19499831 | 13994359 | 38657267.44738 | 45328954.27658 | 136939374.91376537 | 4947470.94898 | 4947470.94898 | 96667 | 96667 | 141983512.86274537 Immobilisations | 2971370.00213 | 247698.77208 | 1027037.47866 | 1276191 | 4085178.5917800004 | 3238997.2068 | 12846473.05145 | 623563.6841399999 | 623563.6841399999 | 265982 | 265982 | 13736018.73559 Autres actifs | 2667255 | 1138882.0498600001 | 868311.5195585999 | 1055112 | 6403226.426000001 | 2800677.3794123256 | 14933464.374830926 | 1386657.7611099998 | 1386657.7611099998 | 18864 | 18864 | 16338986.135940926 113700254.00213 | 5390622.95797707 | 43802150.92267996 | 46228965 | 154634690.56013808 | 206078814.571391 | 569835498.0143161 | 11571102.41063 | 11571102.41063 | 6088983 | 6088983 | 587495583.4249461 PASSIF Dépôts À vue | 41576899 | 1895280.46158 | 14497816.57322244 | 17883462 | 61312424.112319365 | 78807720.0229733 | 215973602.1700951 | 3698681.7597743655 | 3698681.7597743655 | 3891116 | 3891116 | 223563399.92986944 Épargne | 32705222 | 554966.24023 | 8350309.23866706 | 9062473 | 41938431.79575767 | 72946346.28077942 | 165557748.55543417 | 1145359.8438112452 | 1145359.8438112452 | 716787 | 716787 | 167419895.3992454 À terme | 11896413 | 1977372.1850100001 | 13748218.42287637 | 11088842 | 25027884.67810533 | 26770920.565368228 | 90509650.85135993 | 3187917.8288804004 | 3187917.8288804004 | 4423 | 4423 | 93701991.68024033 86178534 | 4427618.88682 | 36596344.23476587 | 38034777 | 128278740.58618236 | 178524986.86912096 | 472041001.57688916 | 8031959.432466011 | 8031959.432466011 | 4612326 | 4612326 | 484685287.0093552 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4121150 | 280001.82876 | 1280772.085842385 | 1374712 | 6899995.30131 | 6008605.547065882 | 19965236.762978267 | 207897.59915999998 | 207897.59915999998 | 938812 | 938812 | 21111946.362138268 4121150 | 280001.82876 | 1280772.085842385 | 1374712 | 6899995.30131 | 6008605.547065882 | 19965236.762978267 | 207897.59915999998 | 207897.59915999998 | 938812 | 938812 | 21111946.362138268 Obligations à terme Banques locales | 6288161 | 0 | 1700835.65634 | 518899 | 4685901.316550001 | 2523427.5776 | 15717224.550490001 | 1756669.92431 | 1756669.92431 | 0 | 0 | 17473894.4748 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.4868 | 0 | 0.4868 | 0 | 0 | 0 | 0 | 0.4868 Autres | 6215157 | 967998.43246 | 663764.24888788 | 205193 | 1057861.21748 | 2000947.0547245452 | 11110920.953552425 | 315770.47059 | 315770.47059 | 85621 | 85621 | 11512312.424142424 12503318 | 967998.43246 | 2364599.90522788 | 724092 | 5743763.020830001 | 4524374.632324545 | 26828145.990842424 | 2072440.3949 | 2072440.3949 | 85621 | 85621 | 28986207.385742426 Autres passifs | 1285228 | 22259.700839999998 | 224728.10600989498 | 1569902 | 4172245.07862 | 1979212.436091575 | 9253575.32156147 | 383341.52213000006 | 383341.52213000006 | 0 | 0 | 9636916.84369147 104088230 | 5697878.8488799995 | 40466444.33184603 | 41703483 | 145094743.98694235 | 191037179.48460296 | 528087959.6522713 | 10695638.94865601 | 10695638.94865601 | 5636759 | 5636759 | 544420357.6009272 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728499.26157 | 2025000 | 3000000 | 6300687.5 | 15219186.76157 | 300000 | 300000 | 103837 | 103837 | 15623023.76157 Réserves | 2148480 | 237593.9566 | 385030.98121999996 | 456811 | 2131701.77986 | 2462989.73455 | 7822607.45223 | 305318.4714 | 305318.4714 | 59288 | 59288 | 8187213.92363 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 1202178.03833 | 1384 | 0 | 0 | 1307887.03833 | 0 | 0 | 0 | 0 | 1307887.03833 BNR | 4463544 | -814174.8479200001 | 1019998.310048 | 2042287 | 4408244.793339998 | 6277957.848540001 | 17397857.104008 | 270144.9905699999 | 270144.9905699999 | 289099 | 289099 | 17957101.094578 9612024 | -307255.89132000005 | 3335706.591168 | 4525482 | 9539946.573199999 | 15041635.08309 | 41747538.356138 | 875463.4619699998 | 875463.4619699998 | 452224 | 452224 | 43075225.818108 113700254 | 5390622.957559999 | 43802150.92301403 | 46228965 | 154634690.56014234 | 206078814.56769297 | 569835498.0084093 | 11571102.41062601 | 11571102.41062601 | 6088983 | 6088983 | 587495583.4190353 Hors-bilan Effets à l'encaissement | 1442315 | 0 | 0 | 0 | 54612.991590000005 | 3896.756599501 | 1500824.748189501 | 0 | 0 | 0 | 0 | 1500824.748189501 Crédit documentaire | 0 | 0 | 0 | 0 | 2209118.33377 | 2167905.5821723 | 4377023.9159423 | 0 | 0 | 0 | 0 | 4377023.9159423 Autres | 5454403 | 274055.030656465 | 2654699.08580754 | 315246 | 11647379.91612 | 2297596.6191816498 | 22643379.651765652 | 602262.4708434 | 602262.4708434 | 173041.25823 | 173041.25823 | 23418683.380839054 Portefeuille brut | 26812089 | 1345690.9374570698 | 16743477.053703833 | 14244083 | 40939657.45779 | 46006789.27329 | 146091786.7222409 | 5150825.81374 | 5150825.81374 | 96667 | 96667 | 151339279.53598088 Provisions pour créances douteuses | 3566217 | 978607.9426500001 | 1397637.858705522 | 249724 | 2282390.01041 | 677834.99671 | 9152411.808475522 | 203354.86476000003 | 203354.86476000003 | 0 | 0 | 9355766.673235523 Portefeuille de crédit improductif | 7115630 | 1156420.779245475 | 3005892.64968202 | 74197 | 1425307 | 94172.29688000001 | 12871619.725807495 | 249885.18277 | 249885.18277 | 0 | 0 | 13121504.908577496 Dépôts US convertis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisation /A | 0.3091305225756823 | -0.8061644351744173 | 0.30789203144524235 | 0.28200112164847857 | 0.4282181834493967 | 0.21533544650616623 | 0.3077180968578289 | 0.712266943427695 | 0.712266943427695 | 0.5881642725728843 | 0.5881642725728843 | 0.3188844277588358 Liquidité en % de l'actif | 0.6137738443283747 | 0.6746825310510747 | 0.46009615242378293 | 0.526215717786457 | 0.49472342987511175 | 0.5750865845327859 | 0.5491363339894877 | 0.195259488555247 | 0.195259488555247 | 0.9373437239026616 | 0.9373437239026616 | 0.5461900020161927 Liquidité en % des dépôts | 0.8097868316024035 | 0.8214255188169851 | 0.5506889152131683 | 0.6395832950460049 | 0.5963685341936423 | 0.6638463539185703 | 0.6629029582416168 | 0.2812971800613686 | 0.2812971800613686 | 1.2374385505274346 | 1.2374385505274346 | 0.6620465330716384 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 111813161.61642657 | BNC | 1600000 | UNIBK | 45328954.27658 | UNIBK | 15041635.08309 SOGEBK | 69251404.49158807 | SOGEBK | 500000 | SOGEBK | 38657267.44738 | BNC | 9612024 BNC | 45586242 | CAPITALBK | 0 | BNC | 23245872 | SOGEBK | 9539946.573199999 CAPITALBK | 24326408 | UNIBK | 0 | BUH | 15345839.19499831 | CAPITALBK | 4525482 BUH | 20153201.107410904 | BPH | 0 | CAPITALBK | 13994359 | BUH | 3335706.591168 CBNA | 5707470 | BUH | 0 | SOGEBL | 4947470.94898 | SOGEBL | 875463.4619699998 SOGEBL | 2259367.5387199996 | CBNA | 0 | BPH | 367082.99480706966 | CBNA | 452224 BPH | 1841959.14123 | SOGEBL | 0 | CBNA | 96667 | BPH | -307255.89132000005 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars22 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 mars 2022 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5036422 | 349485.22975 | 1179087.97617608 | 1547202 | 4614645.8652 | 5967633.78760368 | 18694476.85872976 | 77297.30623000002 | 77297.30623000002 | 49484 | 49484 | 18821258.164959762 Avoirs à la BRH | 33348642 | 1495342.2694 | 15463747.7651532 | 18922169 | 51947148.15360001 | 76105412.6025132 | 197282461.7906664 | 1655334.11145 | 1655334.11145 | 4442361 | 4442361 | 203380156.9021164 Avoirs à l'étranger | 3046599 | 0 | 1745091.7270939199 | 2447945 | 7244863.581099999 | 20837185.845959034 | 35321685.15415295 | 0 | 0 | 692552 | 692552 | 36014237.15415295 Avoirs dans les banques locales | 0 | 0 | 204667.86193928 | 14715 | 36686.435 | -3.7034795968793333e-09 | 256069.2969392763 | 157105.32249000002 | 157105.32249000002 | 0 | 0 | 413174.6194292763 Autres liquidités | 677352 | 7003.33722 | 3252.1966675999997 | 424115 | 160292.58293 | 1153819.06821944 | 2425834.18503704 | 37174.577269999994 | 37174.577269999994 | 58111 | 58111 | 2521119.76230704 42109015 | 1851830.8363700002 | 18595847.52703008 | 23356146 | 64003636.61783001 | 104064051.30429535 | 253980527.28552544 | 1926911.31744 | 1926911.31744 | 5242508 | 5242508 | 261149946.60296544 Bons B.R.H. | 1500000 | 0 | 0 | 0 | 0 | 0 | 1500000 | 0 | 0 | 0 | 0 | 1500000 Bons du Trésor / M.E.F. | 20650000 | 1800000 | 0 | 0 | 5250000 | 9700000 | 37400000 | 0 | 0 | 0 | 0 | 37400000 Autres Placements | 14792050 | 0 | 5732107.56329816 | 3893426 | 25280474.38121 | 32042361.4991649 | 81740419.44367306 | 2224666.61477 | 2224666.61477 | 0 | 0 | 83965086.05844305 Portefeuille net | 23595779 | 307815.1988900001 | 14294328.520206444 | 12495100 | 37668175.41427 | 43266315.300340004 | 131627513.43370643 | 4726902.29294792 | 4726902.29294792 | 96667 | 96667 | 136451082.72665435 Immobilisations | 2974585.0042 | 260419.97009 | 1025048.54414 | 1229136 | 4075119.7471900005 | 3237373.18895 | 12801682.454570001 | 621981.8739799999 | 621981.8739799999 | 266367 | 266367 | 13690031.328550002 Autres actifs | 2977402 | 1030401.35485 | 1350103.3013173598 | 1041120 | 5652468.113729999 | 2376031.49763744 | 14427526.2675348 | 1319174.9893200002 | 1319174.9893200002 | 16877 | 16877 | 15763578.2568548 108598831.0042 | 5250467.3602 | 40997435.45599204 | 42014928 | 141929874.27423003 | 194686132.7903877 | 533477668.88500977 | 10819637.088457922 | 10819637.088457922 | 5622419 | 5622419 | 549919724.9734677 PASSIF Dépôts À vue | 39308520 | 1909445.69482 | 13645241.851466082 | 15761488 | 54591618.13988766 | 74875776.42385721 | 200092090.11003095 | 3332166.0252900003 | 3332166.0252900003 | 3592594 | 3592594 | 207016850.13532096 Épargne | 30539023 | 532605.58394 | 7134554.3697992 | 8154226 | 38144748.59183792 | 66603413.225681044 | 151108570.77125815 | 1079046.8361600002 | 1079046.8361600002 | 641505 | 641505 | 152829122.60741815 À terme | 11265082 | 1849128.17648 | 12683697.322354 | 9941414 | 23594660.973549515 | 24193836.201953836 | 83527818.67433736 | 2968501.43256 | 2968501.43256 | 4423 | 4423 | 86500743.10689735 81112625 | 4291179.45524 | 33463493.543619283 | 33857128 | 116331027.70527509 | 165673025.85149208 | 434728479.5556265 | 7379714.29401 | 7379714.29401 | 4238522 | 4238522 | 446346715.84963644 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3970502 | 251379.90006 | 1563364.43503184 | 1546532 | 6471535.985099999 | 4915567.37648103 | 18718881.69667287 | 171006.48456999997 | 171006.48456999997 | 835216 | 835216 | 19725104.181242872 3970502 | 251379.90006 | 1563364.43503184 | 1846532 | 6471535.985099999 | 4915567.37648103 | 19018881.69667287 | 171006.48456999997 | 171006.48456999997 | 835216 | 835216 | 20025104.181242872 Obligations à terme Banques locales | 6784540 | 0 | 1747248.5136 | 535667 | 5027114.348719999 | 5069733.88215 | 19164303.74447 | 1731616.8439200001 | 1731616.8439200001 | 0 | 0 | 20895920.58839 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.43979 | 0 | 0.43979 | 0 | 0 | 0 | 0 | 0.43979 Autres | 6030361 | 981233.0291 | 758616.9994715872 | 147117 | 791009.07175 | 2209621.1538708797 | 10917958.254192468 | 279277.49453 | 279277.49453 | 77057 | 77057 | 11274292.748722468 12814901 | 981233.0291 | 2505865.5130715873 | 682784 | 5818123.8602599995 | 7279355.03602088 | 30082262.438452467 | 2010894.3384500002 | 2010894.3384500002 | 77057 | 77057 | 32170213.776902467 Autres passifs | 1129869 | 21241.01746 | 196544.03229696 | 1489710 | 3977608.13181 | 1713015.59073616 | 8527987.77230312 | 409499.24350000004 | 409499.24350000004 | 0 | 0 | 8937487.01580312 99027897 | 5545033.40186 | 37729267.52401967 | 37876154 | 132598295.68244508 | 179580963.85473013 | 492357611.4630549 | 9971114.36053 | 9971114.36053 | 5150795 | 5150795 | 507479520.8235849 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728499.26157 | 810000 | 3000000 | 6300687.5 | 14004186.76157 | 300000 | 300000 | 103837 | 103837 | 14408023.76157 Réserves | 2106357 | 237593.9566 | 385030.98121999996 | 781811 | 2131701.77986 | 2458444.36815 | 8100939.085829999 | 305318.4714 | 305318.4714 | 59288 | 59288 | 8465545.55723 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 104325 | 1202178.03833 | 1384 | 0 | 0 | 1307887.03833 | 0 | 0 | 0 | 0 | 1307887.03833 BNR | 4464577 | -801484.9977300001 | 952459.6508477746 | 2545579 | 4199876.811919998 | 6346037.065479999 | 17707044.53051777 | 243204.25656999997 | 243204.25656999997 | 308499 | 308499 | 18258747.787087772 9570934 | -294566.04113 | 3268167.9319677744 | 4138774 | 9331578.59178 | 15105168.933629999 | 41120057.41624777 | 848522.7279699999 | 848522.7279699999 | 471624 | 471624 | 42440204.144217774 108598831 | 5250467.36073 | 40997435.455987446 | 42014928 | 141929874.2742251 | 194686132.78836012 | 533477668.87930274 | 10819637.0885 | 10819637.0885 | 5622419 | 5622419 | 549919724.9678026 Hors-bilan Effets à l'encaissement | 1303025 | 0 | 0 | 0 | 18210.459740000002 | 4584.049443434 | 1325819.509183434 | 0 | 0 | 0 | 0 | 1325819.509183434 Crédit documentaire | 0 | 0 | 0 | 0 | 1994005.21078 | 1681665.7357104 | 3675670.9464904 | 0 | 0 | 0 | 0 | 3675670.9464904 Autres | 4696508 | 230735.274625 | 2805613.0789375203 | 278392 | 8924504.546120001 | 2083855.6387447198 | 19019608.53842724 | 529486.08056464 | 529486.08056464 | 369426.42164 | 369426.42164 | 19918521.040631883 Portefeuille brut | 27085375 | 1280897.42989 | 15570542.186766557 | 12722948 | 39667745.51438 | 43960853.42089 | 140288361.55192655 | 4912569.99304792 | 4912569.99304792 | 96667 | 96667 | 145297598.54497448 Provisions pour créances douteuses | 3489596 | 973082.2309999999 | 1276213.6665601125 | 227848 | 1999570.10011 | 694538.12055 | 8660848.118220111 | 185667.70010000002 | 185667.70010000002 | 0 | 0 | 8846515.81832011 Portefeuille de crédit improductif | 5719525 | 1097253.18595 | 2623716.9914146396 | 64411 | 1527373 | 89393.09167 | 11121672.269034639 | 242987.21453568002 | 242987.21453568002 | 0 | 0 | 11364659.483570319 Dépôts US convertis | 92094057 | 4690683.72937 | 37778218.982636556 | 37028252 | 129332295.37609142 | 187147926.7207068 | 488071433.80880475 | 8021818.65798527 | 8021818.65798527 | 4088046 | 4088046 | 500181298.46679 Immobilisation /A | 0.31079359696765224 | -0.8840800829959539 | 0.3136462279411741 | 0.296980700081715 | 0.43670207640748926 | 0.21432221004442686 | 0.31132452771118146 | 0.7330173411713146 | 0.7330173411713146 | 0.5647867792987634 | 0.5647867792987634 | 0.32257223085047737 Liquidité en % de l'actif | 0.5917100065056393 | 0.6955249096588795 | 0.4535856284716018 | 0.5559011311408174 | 0.4879426334446086 | 0.5843459401742879 | 0.5490024125989337 | 0.17809389554253846 | 0.17809389554253846 | 0.9324292622090242 | 0.9324292622090242 | 0.5456249939342368 Liquidité en % des dépôts | 0.7922196452155259 | 0.8510086502932696 | 0.5557055034552983 | 0.6898442774000204 | 0.5953152652728578 | 0.6866781766047569 | 0.6737090875318403 | 0.26110920296793116 | 0.26110920296793116 | 1.2368717208498623 | 1.2368717208498623 | 0.6722351390707783 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 104064051.30429535 | BNC | 1500000 | UNIBK | 43266315.300340004 | UNIBK | 15105168.933629999 SOGEBK | 64003636.61783001 | SOGEBK | 0 | SOGEBK | 37668175.41427 | BNC | 9570934 BNC | 42109015 | CAPITALBK | 0 | BNC | 23595779 | SOGEBK | 9331578.59178 CAPITALBK | 23356146 | UNIBK | 0 | BUH | 14294328.520206444 | CAPITALBK | 4138774 BUH | 18595847.52703008 | BPH | 0 | CAPITALBK | 12495100 | BUH | 3268167.9319677744 CBNA | 5242508 | BUH | 0 | SOGEBL | 4726902.29294792 | SOGEBL | 848522.7279699999 SOGEBL | 1926911.31744 | CBNA | 0 | BPH | 307815.1988900001 | CBNA | 471624 BPH | 1851830.8363700002 | SOGEBL | 0 | CBNA | 96667 | BPH | -294566.04113 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 21 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 décembre 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 3527056 | 296131.89960999996 | 911980.505631775 | 966863 | 3387712.22689 | 3330080.3577089366 | 12419823.98984071 | 67219.84224999999 | 67219.84224999999 | 35320 | 35320 | 12522363.832090711 Avoirs à la BRH | 35766230 | 1521012.79145 | 16149605.89443703 | 14461309 | 49370654.916319996 | 75394417.43543717 | 192663230.0376442 | 1496700.6732799998 | 1496700.6732799998 | 4439023 | 4439023 | 198598953.7109242 Avoirs à l'étranger | 2660092 | 0 | 1364099.720982831 | 5558614 | 9628041.325690001 | 19096774.33684147 | 38307621.3835143 | 0 | 0 | 552701 | 552701 | 38860322.3835143 Avoirs dans les banques locales | 0 | 0 | 84328.688359958 | 31621 | 11048.41 | 2.37455444294028e-09 | 126998.09835996038 | 236407.84713999997 | 236407.84713999997 | 0 | 0 | 363405.94549996033 Autres liquidités | 538450 | 11734.87537 | 48.341 | 134420 | 114311.25438 | 737278.8199936841 | 1536243.2907436842 | 6988.6967 | 6988.6967 | 106277 | 106277 | 1649508.9874436841 42491828 | 1828879.56643 | 18510063.15041159 | 21152827 | 62511768.133279994 | 98558550.94998126 | 245053916.8001029 | 1807317.0593699997 | 1807317.0593699997 | 5133321 | 5133321 | 251994554.85947287 Bons B.R.H. | 800000 | 0 | 0 | 0 | 5500000 | 0 | 6300000 | 0 | 0 | 0 | 0 | 6300000 Bons du Trésor / M.E.F. | 20600000 | 1565000 | 0 | 0 | 0 | 7550000 | 29715000 | 0 | 0 | 0 | 0 | 29715000 Autres Placements | 15302454 | 0 | 5879008.223214399 | 3868880 | 22700012.235310003 | 33791025.81473601 | 81541380.27326041 | 1947287.27127 | 1947287.27127 | 0 | 0 | 83488667.54453042 Portefeuille net | 24192121 | 301918.07063 | 13391292.247499876 | 12071898 | 36854833.957820006 | 40241685.21874 | 127053748.49468988 | 4805310.620719998 | 4805310.620719998 | 96667 | 96667 | 131955726.11540988 Immobilisations | 2959550 | 350682.92631999997 | 1030060.6353700001 | 1173813 | 4088116.9210400004 | 3080944.37777 | 12683167.8605 | 626101.95165 | 626101.95165 | 268082 | 268082 | 13577351.81215 Autres actifs | 2513502 | 973187.89194 | 1002789.401315024 | 1263072 | 6075210.58577 | 2470940.935595562 | 14298702.814620586 | 1256642.8256499998 | 1256642.8256499998 | 36938 | 36938 | 15592283.640270585 108859455 | 5019668.45532 | 39813213.65781089 | 39530490 | 137729941.83322 | 185693147.29682285 | 516645916.2431738 | 10442659.728659997 | 10442659.728659997 | 5535008 | 5535008 | 532623583.9718337 PASSIF Dépôts À vue | 41016533 | 1887642.4668400001 | 13879708.585220747 | 14240123 | 52065568.9171979 | 71587322.71611007 | 194676898.68536872 | 3034178.3679099996 | 3034178.3679099996 | 3474785 | 3474785 | 201185862.0532787 Épargne | 30548090 | 530021.06429 | 6881361.233152483 | 7872921 | 37082272.90075241 | 64599656.28404063 | 147514322.48223552 | 972042.9224200002 | 972042.9224200002 | 607299 | 607299 | 149093664.40465552 À terme | 10924285 | 1794272.22827 | 11615199.367836019 | 9319383 | 22048046.37416017 | 24341820.637271136 | 80043006.60753733 | 2887906.77702 | 2887906.77702 | 4422 | 4422 | 82935335.38455734 82488908 | 4211935.7594 | 32376269.186209247 | 31432427 | 111195888.19211048 | 160528799.63742182 | 422234227.77514154 | 6894128.06735 | 6894128.06735 | 4086506 | 4086506 | 433214861.8424916 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2834674 | 237380.48211999997 | 1403588.039140898 | 1288152 | 6095905.496959999 | 4531688.063477618 | 16391388.081698515 | 147782.98613 | 147782.98613 | 867927 | 867927 | 17407098.067828514 2834674 | 237380.48211999997 | 1403588.039140898 | 1588152 | 6095905.496959999 | 4531688.063477618 | 16691388.081698515 | 147782.98613 | 147782.98613 | 867927 | 867927 | 17707098.067828514 Obligations à terme Banques locales | 7289925 | 0 | 1795605.81531 | 552436 | 5097563.80568 | 3335600.78599 | 18071131.40698 | 1747542.04506 | 1747542.04506 | 0 | 0 | 19818673.45204 Banque à l'étranger | 0 | 0 | 0 | 0 | 0.41944 | 0 | 0.41944 | 0 | 0 | 0 | 0 | 0.41944 Autres | 5882939 | 916604.07276 | 507758.89200395194 | 226021 | 1216992.31308 | 1697761.6634318838 | 10448076.941275835 | 304130.19981 | 304130.19981 | 96872 | 96872 | 10849079.141085835 13172864 | 916604.07276 | 2303364.707313952 | 778457 | 6314556.5382 | 5033362.449421884 | 28519208.767695837 | 2051672.24487 | 2051672.24487 | 96872 | 96872 | 30667753.012565836 Autres passifs | 1231467 | 24125.148220000003 | 277952.14347259275 | 1418316 | 3672938.0652900003 | 1668954.669669894 | 8293753.026652487 | 401097.07229000004 | 401097.07229000004 | 0 | 0 | 8694850.098942487 99727913 | 5390045.462499999 | 36361174.076136686 | 35217352 | 127279288.29256049 | 171762804.8199912 | 475738577.6511884 | 9494680.37064 | 9494680.37064 | 5051305 | 5051305 | 490284563.02182835 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729186.76157 | 810000 | 3000000 | 6300687.5 | 14004874.26157 | 300000 | 300000 | 103837 | 103837 | 14408711.26157 Réserves | 2106357 | 150488.951 | 294604.93022 | 605876 | 2131701.77986 | 1778707.62408 | 7067736.2851599995 | 303641.99439999997 | 303641.99439999997 | 59288 | 59288 | 7430666.27956 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 174325 | 1210135.63001 | 1384 | 0 | 0 | 1385844.63001 | 0 | 0 | 0 | 0 | 1385844.63001 BNR | 4025185 | -860190.95849 | 1218112.259654 | 2895878 | 5318951.760780001 | 5850947.35571 | 18448883.417654 | 344337.36339 | 344337.36339 | 320578 | 320578 | 19113798.781044 9131542 | -370377.00749 | 3452039.581454 | 4313138 | 10450653.54064 | 13930342.47979 | 40907338.594394 | 947979.35779 | 947979.35779 | 483703 | 483703 | 42339020.952184 108859455 | 5019668.45501 | 39813213.65759069 | 39530490 | 137729941.83320048 | 185693147.2997812 | 516645916.24558246 | 10442659.728430001 | 10442659.728430001 | 5535008 | 5535008 | 532623583.9740125 Hors-bilan Effets à l'encaissement | 1242730 | 0 | 0 | 0 | 37347.965710000004 | 3648.378052342 | 1283726.343762342 | 0 | 0 | 0 | 0 | 1283726.343762342 Crédit documentaire | 0 | 0 | 0 | 0 | 1936095.6816399998 | 1537809.2840606398 | 3473904.9657006394 | 0 | 0 | 0 | 0 | 3473904.9657006394 Autres | 4628093 | 228433.71529999998 | 2512948.538146832 | 256277 | 9264403.43703 | 1897810.7787605058 | 18787966.469237342 | 495070.158135 | 495070.158135 | 536283.99167 | 536283.99167 | 19819320.619042344 Portefeuille brut | 27608895 | 1261351.12995 | 14569656.001132907 | 12297078 | 38701882.099020004 | 41034652.89971 | 135473515.1298129 | 4980092.110909998 | 4980092.110909998 | 96667 | 96667 | 140550274.2407229 Provisions pour créances douteuses | 3416774 | 959433.05932 | 1178363.753633032 | 225180 | 1847048.1412 | 792967.6809700001 | 8419766.635123033 | 174781.49019 | 174781.49019 | 0 | 0 | 8594548.125313032 Portefeuille de crédit improductif | 5580256 | 1073668.21934 | 979785.5147823989 | 66086 | 932897 | 51063.91722 | 8683756.6513424 | 225595.95974 | 225595.95974 | 0 | 0 | 8909352.6110824 Dépôts US convertis | 43342122 | 2744936.75263 | 26495196.55505655 | 27141824 | 88538517.4464814 | 139122011.7240868 | 327384608.4782548 | 6356459.9129952695 | 6356459.9129952695 | 2787396 | 2787396 | 336528464.3912501 Immobilisation /A | 0.3241018877206062 | -0.9468269337142053 | 0.29839189588206816 | 0.27214825957342426 | 0.3911828963750762 | 0.2211678845828667 | 0.31004627277899033 | 0.6604594778409684 | 0.6604594778409684 | 0.5542285245284814 | 0.5542285245284814 | 0.3206817613350984 Liquidité en % de l'actif | 0.5869203368692228 | 0.676116280714329 | 0.4649226085968102 | 0.535101563375511 | 0.4938052483579557 | 0.5714187760540841 | 0.5440262043372274 | 0.17307056883312952 | 0.17307056883312952 | 0.92742792783678 | 0.92742792783678 | 0.5407375180643587 Liquidité en % des dépôts | 0.7745505371461578 | 0.8057766690424228 | 0.5717169895009397 | 0.6729619383193032 | 0.6116392362978178 | 0.6609938602272191 | 0.6656706119755516 | 0.2621531021347425 | 0.2621531021347425 | 1.256163823080157 | 1.256163823080157 | 0.6648191930317189 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 98558550.94998126 | SOGEBK | 5500000 | UNIBK | 40241685.21874 | UNIBK | 13930342.47979 SOGEBK | 62511768.133279994 | BNC | 800000 | SOGEBK | 36854833.957820006 | SOGEBK | 10450653.54064 BNC | 42491828 | CAPITALBK | 0 | BNC | 24192121 | BNC | 9131542 CAPITALBK | 21152827 | UNIBK | 0 | BUH | 13391292.247499876 | CAPITALBK | 4313138 BUH | 18510063.15041159 | BPH | 0 | CAPITALBK | 12071898 | BUH | 3452039.581454 CBNA | 5133321 | BUH | 0 | SOGEBL | 4805310.620719998 | SOGEBL | 947979.35779 BPH | 1828879.56643 | CBNA | 0 | BPH | 301918.07063 | CBNA | 483703 SOGEBL | 1807317.0593699997 | SOGEBL | 0 | CBNA | 96667 | BPH | -370377.00749 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 21 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 septembre 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4943823 | 311269.32863 | 1099481.89051165 | 1183107 | 5409199.95624 | 5026401.075495942 | 17973282.25087759 | 88270.42455 | 88270.42455 | 65851 | 65851 | 18127403.67542759 Avoirs à la BRH | 31975177 | 1447130.5060999999 | 20256406.605125606 | 13906636 | 49113854.972090006 | 72338779.38893872 | 189037984.47225434 | 1399708.7097399998 | 1399708.7097399998 | 4160086 | 4160086 | 194597779.18199435 Avoirs à l'étranger | 5726463 | 0 | 899253.4335778401 | 5929326 | 10248018.089629998 | 16946757.402034957 | 39749817.9252428 | 0 | 0 | 1247429 | 1247429 | 40997246.9252428 Avoirs dans les banques locales | 0 | 0 | 81692.253350172 | 60583 | 3196.385 | 6.110186409205198e-09 | 145471.63835017814 | 158746.76059 | 158746.76059 | 0 | 0 | 304218.3989401781 Autres liquidités | 326237 | 81687.89665 | 6984.7992243339995 | 266056 | 138057.36656 | 781780.364158288 | 1600803.426592622 | 48261.75186 | 48261.75186 | 66561 | 66561 | 1715626.178452622 42971700 | 1840087.7313799998 | 22343818.981789604 | 21345708 | 64912326.76952 | 95093718.23062791 | 248507359.71331754 | 1694987.64674 | 1694987.64674 | 5539927 | 5539927 | 255742274.3600575 Bons B.R.H. | 1000000 | 0 | 0 | 150000 | 4950000 | 0 | 6100000 | 0 | 0 | 0 | 0 | 6100000 Bons du Trésor / M.E.F. | 18100000 | 1548000 | 0 | 0 | 0 | 6800000 | 26448000 | 0 | 0 | 0 | 0 | 26448000 Autres Placements | 12007079 | 0 | 1429673.942552724 | 3480953 | 22022722.121720005 | 33002607.99476046 | 71943036.05903319 | 1717552.29115 | 1717552.29115 | 0 | 0 | 73660588.35018319 Portefeuille net | 24226185 | 299724.2969170001 | 12879428.636476168 | 11921831 | 35277167.734450005 | 40850938.74394 | 125455275.41178316 | 4821323.286839 | 4821323.286839 | 174580 | 174580 | 130451178.69862215 Immobilisations | 2756678 | 346872.70577 | 1039354.6431699999 | 1152314 | 4096161.708640001 | 3053038.18846 | 12444419.246040002 | 645881.5596399999 | 645881.5596399999 | 273970 | 273970 | 13364270.805680001 Autres actifs | 2461373 | 965622.04952 | 839857.723691214 | 847974 | 5415062.206769999 | 2722733.8798898105 | 13252622.859871024 | 1199053.65138 | 1199053.65138 | 32652 | 32652 | 14484328.511251025 103523015 | 5000306.783586999 | 38532133.92767971 | 38898780 | 136673440.5411 | 181523037.03767818 | 504150713.29004484 | 10078798.435749 | 10078798.435749 | 6021129 | 6021129 | 520250640.72579384 PASSIF Dépôts À vue | 38710883 | 1806698.38074 | 13020462.387828887 | 14465410 | 53654515.87899203 | 70871141.36605118 | 192529111.0136121 | 2801077.98982 | 2801077.98982 | 3967413 | 3967413 | 199297602.0034321 Épargne | 28477678 | 521071.6006400001 | 6703645.475447021 | 7399691 | 36063313.63760547 | 61506483.11393759 | 140671882.82763007 | 938439.2143900001 | 938439.2143900001 | 574758 | 574758 | 142185080.04202008 À terme | 10890711 | 1776960.29397 | 11801532.859254247 | 9101621 | 21628444.86694462 | 24309007.97476168 | 79508277.99493054 | 2848898.48685 | 2848898.48685 | 4421 | 4421 | 82361597.48178053 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475045 | 412709271.8361727 | 6588415.69106 | 6588415.69106 | 4546592 | 4546592 | 423844279.5272327 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2949874 | 286859.91713 | 1297816.839974808 | 1345439 | 5654482.18983 | 4083656.0309415725 | 15618127.97787638 | 183298.82252 | 183298.82252 | 904589 | 904589 | 16706015.800396381 2949874 | 286859.91713 | 1297816.839974808 | 1645439 | 5654482.18983 | 4083656.0309415725 | 15918127.97787638 | 183298.82252 | 183298.82252 | 904589 | 904589 | 17006015.800396383 Obligations à terme Banques locales | 7440513 | 0 | 1843963.11702 | 569204 | 5127708.24985 | 3968534.2379099997 | 18949922.60478 | 1733797.70961 | 1733797.70961 | 0 | 0 | 20683720.31439 Banque à l'étranger | 0 | 0 | 0 | 0 | 639.981 | 0 | 639.981 | 0 | 0 | 0 | 0 | 639.981 Autres | 5251196 | 938341.1038200001 | 408627.28477162 | 201823 | 1076224.85696 | 1622216.4417192084 | 9498428.687270828 | 294251.50182999996 | 294251.50182999996 | 91353 | 91353 | 9884033.189100828 12691709 | 938341.1038200001 | 2252590.40179162 | 771027 | 6204573.08781 | 5590750.6796292085 | 28448991.273050826 | 2028049.21144 | 2028049.21144 | 91353 | 91353 | 30568393.484490827 Autres passifs | 1099856 | 19811.747539999997 | 219690.4779300993 | 1485709 | 3697789.3651900003 | 1834504.3993485821 | 8357360.990008681 | 419297.56834 | 419297.56834 | 0 | 0 | 8776658.558348682 94820711 | 5349743.0438399995 | 35295738.442226686 | 34868897 | 126903119.02637212 | 168195543.56466982 | 465433752.0771086 | 9219061.29336 | 9219061.29336 | 5542534 | 5542534 | 480195347.3704686 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 735436.76157 | 810000 | 3000000 | 6301937.5 | 14012374.26157 | 300000 | 300000 | 103837 | 103837 | 14416211.26157 Réserves | 2106357 | 150488.951 | 294604.93022 | 605876 | 1787827.4278599997 | 1776025.1432 | 6721179.452279999 | 314508.72972 | 314508.72972 | 59288 | 59288 | 7094976.181999999 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 174325 | 1273607.57601 | 1384 | 0 | 0 | 1449316.57601 | 0 | 0 | 0 | 0 | 1449316.57601 BNR | 3595947 | -839250.2106100001 | 932746.2181299999 | 2612623 | 4982494.086860002 | 5249530.83167 | 16534090.926050004 | 245228.41199 | 245228.41199 | 315470 | 315470 | 17094789.338040005 8702304 | -349436.25961000007 | 3236395.48593 | 4029883 | 9770321.51472 | 13327493.47487 | 38716961.21591 | 859737.1417099999 | 859737.1417099999 | 478595 | 478595 | 40055293.35762 103523015 | 5000306.784229999 | 38532133.92815669 | 38898780 | 136673440.54109213 | 181523037.0395398 | 504150713.2930186 | 10078798.43507 | 10078798.43507 | 6021129 | 6021129 | 520250640.72808856 Hors-bilan Effets à l'encaissement | 1211933 | 0 | 0 | 0 | 52302.66995 | 2958.534002186 | 1267194.203952186 | 0 | 0 | 0 | 0 | 1267194.203952186 Crédit documentaire | 0 | 0 | 0 | 0 | 1998847.9257 | 1568762.3525348501 | 3567610.27823485 | 0 | 0 | 0 | 0 | 3567610.27823485 Autres | 4577443 | 202711.42267 | 3234982.958983928 | 240645 | 9109167.89706 | 2359671.6640074262 | 19724621.942721352 | 525606.4589699999 | 525606.4589699999 | 523955.56958 | 523955.56958 | 20774183.97127135 Portefeuille brut | 27361301 | 1248027.1620770001 | 13538290.93658562 | 12142855 | 37178786.39529 | 41781164.05436 | 133250424.54831262 | 5029973.547389 | 5029973.547389 | 174580 | 174580 | 138454978.0957016 Provisions pour créances douteuses | 3135116 | 948302.86516 | 658862.300109452 | 221024 | 1901618.66084 | 930225.31042 | 7795149.136529452 | 208650.26055 | 208650.26055 | 0 | 0 | 8003799.397079452 Portefeuille de crédit improductif | 4645111 | 1058203.1911819999 | 761869.776760954 | 51808 | 824729 | 213127.79359999998 | 7554848.761542954 | 207283.56608000002 | 207283.56608000002 | 0 | 0 | 7762132.327622954 Dépôts US convertis | 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475048 | 412709271.83617276 | 6588415.691060001 | 6588415.691060001 | 4546592 | 4546592 | 423844279.52723277 Immobilisation /A | 0.316775649299312 | -0.992663744046307 | 0.32114574615139607 | 0.28594229658776693 | 0.41924533419588184 | 0.22907819795348128 | 0.3214203505446136 | 0.7512546897245296 | 0.7512546897245296 | 0.5724464317429142 | 0.5724464317429142 | 0.3336455605595414 Liquidité en % de l'actif | 0.5995932402084696 | 0.6775759724385421 | 0.5798749434362065 | 0.5526062256965385 | 0.5111624211180316 | 0.5613266497380062 | 0.5574828167536926 | 0.16817358314538394 | 0.16817358314538394 | 0.9200811010692513 | 0.9200811010692513 | 0.5541372788275052 Liquidité en % des dépôts | 0.7949830782233728 | 0.8254105639355576 | 0.708750669921241 | 0.6941550997874428 | 0.6274329981519904 | 0.6503025601756666 | 0.6810008373761083 | 0.2572678662398268 | 0.2572678662398268 | 1.2184790278080813 | 1.2184790278080813 | 0.6801796987365836 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 95093718.23062791 | SOGEBK | 4950000 | UNIBK | 40850938.74394 | UNIBK | 13327493.47487 SOGEBK | 64912326.76952 | BNC | 1000000 | SOGEBK | 35277167.734450005 | SOGEBK | 9770321.51472 BNC | 42971700 | CAPITALBK | 150000 | BNC | 24226185 | BNC | 8702304 BUH | 22343818.981789604 | UNIBK | 0 | BUH | 12879428.636476168 | CAPITALBK | 4029883 CAPITALBK | 21345708 | BPH | 0 | CAPITALBK | 11921831 | BUH | 3236395.48593 CBNA | 5539927 | BUH | 0 | SOGEBL | 4821323.286839 | SOGEBL | 859737.1417099999 BPH | 1840087.7313799998 | CBNA | 0 | BPH | 299724.2969170001 | CBNA | 478595 SOGEBL | 1694987.64674 | SOGEBL | 0 | CBNA | 174580 | BPH | -349436.25961000007 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 21 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4284783 | 281803.37025 | 1136396.532384024 | 1090244 | 8768219.272791402 | 4188459.1425704714 | 19749905.3179959 | 60045.27794045083 | 60045.27794045083 | 125405 | 125405 | 19935355.59593635 Avoirs à la BRH | 30922327 | 1486639.52779 | 17827610.64715474 | 13848423 | 41061127.50611723 | 64514976.38595757 | 169661104.06701955 | 1406396.0162976007 | 1406396.0162976007 | 3966623 | 3966623 | 175034123.08331716 Avoirs à l'étranger | 0 | 0 | 627079.575536216 | 4900669 | 6071030.8522360055 | 16483082.002123505 | 28081861.429895725 | 0 | 0 | 1663671 | 1663671 | 29745532.429895725 Avoirs dans les banques locales | 0 | 0 | 202932.916117776 | 33131 | 38049.71 | 0 | 274113.62611777603 | 37516.80341728182 | 37516.80341728182 | 0 | 0 | 311630.42953505786 Autres liquidités | 2981789 | 25612.42068 | 13358.27329072 | 223429 | 109044.42199636542 | 1037844.385061072 | 4391077.501028157 | 30508.065189876783 | 30508.065189876783 | 33013 | 33013 | 4454598.566218033 38188899 | 1794055.3187199999 | 19807377.944483478 | 20095896 | 56047471.763141 | 86224361.91571261 | 222158061.9420571 | 1534466.1628452102 | 1534466.1628452102 | 5788712 | 5788712 | 229481240.10490233 Bons B.R.H. | 0 | 0 | 0 | 0 | 4650000 | 0 | 4650000 | 0 | 0 | 0 | 0 | 4650000 Bons du Trésor / M.E.F. | 19600000 | 1535000 | 0 | 0 | 0 | 6600000 | 27735000 | 0 | 0 | 0 | 0 | 27735000 Autres Placements | 12998641 | 0 | 1769858.6105526001 | 3357381 | 20505914.818776727 | 30908312.39408446 | 69540107.82341379 | 1763894.8665412134 | 1763894.8665412134 | 0 | 0 | 71304002.689955 Portefeuille net | 25738268 | 260731.6043439199 | 12773712.303171996 | 11666673 | 36733519.47497157 | 34423104.60172 | 121596008.98420748 | 4701779.61812649 | 4701779.61812649 | 402861 | 402861 | 126700649.60233398 Immobilisations | 2612224 | 348470.61344 | 1007955.30115 | 1023609 | 3994726.3280400005 | 2952124.6300799996 | 11939109.87271 | 684566.2632500001 | 684566.2632500001 | 273410 | 273410 | 12897086.135960001 Autres actifs | 2548828 | 895144.44002 | 861449.5900385759 | 906720 | 5150484.842023202 | 2853152.120631112 | 13215778.99271289 | 1117215.4521721243 | 1117215.4521721243 | 51373 | 51373 | 14384367.444885015 101686860 | 4833401.97652392 | 36220353.74939665 | 37050279 | 127082117.22695251 | 163961055.66222817 | 470834067.6151013 | 9801922.362935038 | 9801922.362935038 | 6516356 | 6516356 | 487152345.9780363 PASSIF Dépôts À vue | 37575563 | 1797094.00916 | 12251783.405626815 | 13597298 | 48286245.059117734 | 63339478.70831988 | 176847462.18222442 | 2678426.2549199997 | 2678426.2549199997 | 4634997 | 4634997 | 184160885.43714443 Épargne | 26352639 | 514619.75049999997 | 6191614.850486759 | 6998009 | 33718779.982193656 | 56969651.78774321 | 130745314.37092364 | 864430.41435 | 864430.41435 | 551248 | 551248 | 132160992.78527364 À terme | 10650744 | 1693887.7935600001 | 10885258.187532272 | 8795600 | 20791104.96396315 | 21938466.485086612 | 74755061.43014205 | 2846601.15379 | 2846601.15379 | 4420 | 4420 | 77606082.58393204 74578946 | 4005601.55322 | 29328656.443645846 | 29390907 | 102796130.00527453 | 142247596.9811497 | 382347837.9832901 | 6389457.823059999 | 6389457.823059999 | 5190665 | 5190665 | 393927960.8063501 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3061249 | 230283.7609 | 1265621.1379701518 | 1827918 | 5222793.938547746 | 3690150.8128693495 | 15298016.650287246 | 188150.7885544709 | 188150.7885544709 | 742646 | 742646 | 16228813.438841717 3061249 | 230283.7609 | 1265621.1379701518 | 1827918 | 5222793.938547746 | 3690150.8128693495 | 15298016.650287246 | 188150.7885544709 | 188150.7885544709 | 742646 | 742646 | 16228813.438841717 Obligations à terme Banques locales | 9257631 | 0 | 1892320.41873 | 590103 | 5061018.88855 | 2153610.26841 | 18954683.57569 | 1764506.13334 | 1764506.13334 | 0 | 0 | 20719189.709030002 Banque à l'étranger | 0 | 0 | 0 | 0 | 594.5295070832163 | 0 | 594.5295070832163 | 0 | 0 | 0 | 0 | 594.5295070832163 Autres | 5079437 | 925422.71412 | 428113.61554739997 | 148530 | 887969.4193710614 | 1546674.3964120797 | 9016147.14545054 | 261955.67809 | 261955.67809 | 93454 | 93454 | 9371556.82354054 14337068 | 925422.71412 | 2320434.0342774 | 738633 | 5949582.837428144 | 3700284.6648220797 | 27971425.250647623 | 2026461.81143 | 2026461.81143 | 93454 | 93454 | 30091341.062077627 Autres passifs | 1182377 | 18644.63342 | 345098.001026392 | 1333786 | 3588483.938748057 | 1703685.719985736 | 8172075.293180184 | 381036.4135697231 | 381036.4135697231 | 0 | 0 | 8553111.706749907 93159640 | 5179952.66166 | 33259809.616919793 | 33291244 | 117556990.71999848 | 151341718.17882684 | 433789355.1774051 | 8985106.836614193 | 8985106.836614193 | 6026765 | 6026765 | 448801227.0140193 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 726186.76157 | 810000 | 3000000 | 6301937.5 | 14003124.26157 | 300000 | 300000 | 103837 | 103837 | 14406961.26157 Réserves | 1987831 | 126300.688 | 289284.22173 | 589002 | 1754893.60196 | 1813291.28815 | 6560602.7998399995 | 302502.72941 | 302502.72941 | 59288 | 59288 | 6922393.52925 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 187425 | 1158324.6613599998 | 1384 | 0 | 0 | 1347133.6613599998 | 0 | 0 | 0 | 0 | 1347133.6613599998 BNR | 3539389 | -825276.37308 | 786748.48477 | 2358649 | 4770232.904959999 | 4504108.6952 | 15133851.711849999 | 214312.79697 | 214312.79697 | 326466 | 326466 | 15674630.50882 8527220 | -346550.6850800001 | 2960544.1294299997 | 3759035 | 9525126.506919999 | 12619337.48335 | 37044712.43462 | 816815.52638 | 816815.52638 | 489591 | 489591 | 38351118.960999995 101686860 | 4833401.97658 | 36220353.7463498 | 37050279 | 127082117.22691847 | 163961055.66217685 | 470834067.61202514 | 9801922.362994194 | 9801922.362994194 | 6516356 | 6516356 | 487152345.97501934 Hors-bilan Effets à l'encaissement | 1128243 | 0 | 0 | 0 | 23410.28661268 | 3215.593571724 | 1154868.8801844039 | 0 | 0 | 0 | 0 | 1154868.8801844039 Crédit documentaire | 0 | 0 | 0 | 0 | 1720748.655919656 | 1575298.6477150558 | 3296047.3036347115 | 0 | 0 | 0 | 0 | 3296047.3036347115 Autres | 5241174 | 200624.880501232 | 2995598.933721352 | 256815 | 9002204.443583364 | 1881070.6299394798 | 19577487.887745425 | 634402.39887 | 634402.39887 | 764944.91811 | 764944.91811 | 20976835.204725422 Portefeuille brut | 28951353 | 1216523.44172392 | 13504594.267226227 | 11900877 | 38616517.95938 | 35347031.11543 | 129536896.78376015 | 4883871.5275 | 4883871.5275 | 402861 | 402861 | 134823629.31126013 Provisions pour créances douteuses | 3213085 | 955791.83738 | 730881.9640542297 | 234204 | 1882998.4844084287 | 923926.5137100001 | 7940887.799552659 | 182091.9093735097 | 182091.9093735097 | 0 | 0 | 8122979.708926168 Portefeuille de crédit improductif | 4767143 | 961910.6279238878 | 315390.232628392 | 125799 | 1313896 | 241394.99680000002 | 7725533.85735228 | 273397.51744 | 273397.51744 | 0 | 0 | 7998931.37479228 Dépôts US convertis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisation /A | 0.30633946350627755 | -1.0055401083958517 | 0.3404628531391167 | 0.2723063232983997 | 0.4193882700810151 | 0.23393657820587205 | 0.3222891767288319 | 0.8380916389822948 | 0.8380916389822948 | 0.5584457230627197 | 0.5584457230627197 | 0.3362896959818904 Liquidité en % de l'actif | 0.568302522076107 | 0.6887602841413546 | 0.5468576613449951 | 0.5423952677927203 | 0.4776240204964718 | 0.5661366447099342 | 0.5406215893242068 | 0.15654747161104196 | 0.15654747161104196 | 0.8883357508398866 | 0.8883357508398866 | 0.5375448610006465 Liquidité en % des dépôts | 0.7748688081486161 | 0.8310999670059189 | 0.6753591997145445 | 0.6837453502200528 | 0.5904645608742914 | 0.6525548683118595 | 0.6657368936219316 | 0.24015592642418182 | 0.24015592642418182 | 1.1152158731106707 | 1.1152158731106707 | 0.6647566716738658 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 86224361.91571261 | SOGEBK | 4650000 | SOGEBK | 36733519.47497157 | UNIBK | 12619337.48335 SOGEBK | 56047471.763141 | BNC | 0 | UNIBK | 34423104.60172 | SOGEBK | 9525126.506919999 BNC | 38188899 | UNIBK | 0 | BNC | 25738268 | BNC | 8527220 CAPITALBK | 20095896 | BPH | 0 | BUH | 12773712.303171996 | CAPITALBK | 3759035 BUH | 19807377.944483478 | BUH | 0 | CAPITALBK | 11666673 | BUH | 2960544.1294299997 CBNA | 5788712 | CAPITALBK | 0 | SOGEBL | 4701779.61812649 | SOGEBL | 816815.52638 BPH | 1794055.3187199999 | CBNA | 0 | CBNA | 402861 | CBNA | 489591 SOGEBL | 1534466.1628452102 | SOGEBL | 0 | BPH | 260731.6043439199 | BPH | -346550.6850800001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanars 21] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2021 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4516936 | 407557.91194 | 863244.252048954 | 1103010 | 6960627.265110001 | 4191196.368089582 | 18042571.79718854 | 72513.06816 | 72513.06816 | 96904 | 96904 | 18211988.86534854 Avoirs à la BRH | 28943329 | 1126165.2066799998 | 15740903.224716257 | 12466609 | 39876738.409260005 | 56036509.91823475 | 154190254.75889102 | 1206318.49318 | 1206318.49318 | 3311406 | 3311406 | 158707979.25207102 Avoirs à l'étranger | 2834991 | 0 | 740065.2621599999 | 4533255 | 8483876.18548 | 13210595.509980377 | 29802782.957620375 | 0 | 0 | 735391 | 735391 | 30538173.957620375 Avoirs dans les banques locales | 0 | 0 | 192819.799753812 | 15816 | 8444.185 | 0 | 217079.984753812 | 379483.6174 | 379483.6174 | 0 | 0 | 596563.602153812 Autres liquidités | 298480.1 | 194839.71314 | 551.27077484 | 385520 | 117463.86061 | 930514.539565516 | 1927369.4840903562 | 33432.71423 | 33432.71423 | 52900 | 52900 | 2013702.1983203562 36593736.1 | 1728562.83176 | 17537583.809453864 | 18504210 | 55447149.90546001 | 74368816.33587022 | 204180058.98254412 | 1691747.89297 | 1691747.89297 | 4196601 | 4196601 | 210068407.87551412 Bons B.R.H. | 400000 | 50000 | 0 | 0 | 5500000 | 200000 | 6150000 | 0 | 0 | 0 | 0 | 6150000 Bons du Trésor / M.E.F. | 18800000 | 1490000 | 0 | 0 | 0 | 8400000 | 28690000 | 0 | 0 | 0 | 0 | 28690000 Autres Placements | 11152298.899999999 | 0 | 2563469.619547214 | 2883158 | 15552962.68332 | 25141827.166812636 | 57293716.36967985 | 1332107.52007 | 1332107.52007 | 0 | 0 | 58625823.889749855 Portefeuille net | 20526808.57988 | 207894.26791 | 12543693.808664879 | 10234346 | 33648881.86866 | 32903482.135870002 | 110065106.66098487 | 4398483.662250001 | 4398483.662250001 | 373139 | 373139 | 114836729.32323487 Immobilisations | 2394760.5694199996 | 342286.7104 | 1021465.7187300001 | 985507 | 4805029.25115 | 2907214.55578 | 12456263.80548 | 686773.2420300001 | 686773.2420300001 | 279226 | 279226 | 13422263.04751 Autres actifs | 2426548.4 | 805020.26574 | 756627.579793936 | 882857 | 4235468.611629999 | 2742110.400433938 | 11848632.257597875 | 962442.27093 | 962442.27093 | 45215 | 45215 | 12856289.528527874 92294152.5493 | 4623764.075809999 | 34422840.5361899 | 33490078 | 119189492.32022001 | 146663450.5947668 | 430683778.07628673 | 9071554.588250002 | 9071554.588250002 | 4894181 | 4894181 | 444649513.5645367 PASSIF Dépôts À vue | 35345460 | 1760802.7404699998 | 12526916.214018159 | 12775608 | 45863324.853495255 | 53795889.37218051 | 162068001.18016392 | 2355576.31807 | 2355576.31807 | 3221231 | 3221231 | 167644808.4982339 Épargne | 24448797 | 466116.14359 | 5564592.726639216 | 5998241 | 30440590.119239174 | 49752284.456911534 | 116670621.44637993 | 806115.9736299999 | 806115.9736299999 | 466943 | 466943 | 117943680.42000993 À terme | 10618772 | 1558424.34246 | 9603673.44998699 | 7811417 | 18439515.668359984 | 20781559.81183163 | 68813362.2726386 | 2634732.06865 | 2634732.06865 | 4259 | 4259 | 71452353.3412886 70413029 | 3785343.22652 | 27695182.390644364 | 26585266 | 94743430.6410944 | 124329733.64092368 | 347551984.8991825 | 5796424.36035 | 5796424.36035 | 3692433 | 3692433 | 357040842.25953245 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3224616.99998 | 225530.30306 | 1219943.207967682 | 1528951 | 6558547.559669999 | 3223794.220414256 | 15981383.291091938 | 195684.62355 | 195684.62355 | 665599 | 665599 | 16842666.91464194 3224616.99998 | 225530.30306 | 1219943.207967682 | 1528951 | 6558547.559669999 | 3223794.220414256 | 15981383.291091938 | 195684.62355 | 195684.62355 | 665599 | 665599 | 16842666.91464194 Obligations à terme Banques locales | 4354353 | 0 | 1940677.72044 | 598365 | 4945455.73073 | 3393646.73628 | 15232498.187450001 | 1740629.7053899998 | 1740629.7053899998 | 0 | 0 | 16973127.89284 Banque à l'étranger | 0 | 0 | 0 | 0 | 522.65291 | 0 | 522.65291 | 0 | 0 | 0 | 0 | 522.65291 Autres | 4565894 | 923408.6272100001 | 346663.30235777225 | 96103 | 661799.0999100001 | 1591285.362765698 | 8185153.392243471 | 272137.32299 | 272137.32299 | 66790 | 66790 | 8524080.715233471 8920247 | 923408.6272100001 | 2287341.022797772 | 694468 | 5607777.48355 | 4984932.099045698 | 23418174.23260347 | 2012767.0283799998 | 2012767.0283799998 | 66790 | 66790 | 25497731.260983475 Autres passifs | 983859.5 | 20659.08976 | 316458.323847368 | 1219262 | 3423300.6486799996 | 1673311.220281824 | 7636850.782569192 | 276639.75591000007 | 276639.75591000007 | 0 | 0 | 7913490.538479192 83541752.49998 | 4954941.246549999 | 31518924.945257187 | 30027947 | 110333056.3329944 | 134211771.18066545 | 394588393.205447 | 8281515.768189999 | 8281515.768189999 | 4424822 | 4424822 | 407294730.97363704 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 726186.76157 | 810000 | 3000000 | 6321512.5 | 14022699.26157 | 300000 | 300000 | 103837 | 103837 | 14426536.26157 Réserves | 2537262 | 126300.688 | 289284.22173 | 589002 | 1754893.60196 | 1809132.6468700003 | 7105875.15856 | 302502.72941 | 302502.72941 | 59288 | 59288 | 7467665.8879700005 Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000 Surplus d'apport | 0 | 187425 | 1158324.6613599998 | 1384 | 0 | 0 | 1347133.6613599998 | 0 | 0 | 0 | 0 | 1347133.6613599998 BNR | 2987138 | -809902.85874 | 730119.94443 | 2061745 | 4101542.38526 | 4321034.2707899995 | 13391676.74174 | 187536.09068 | 187536.09068 | 306234 | 306234 | 13885446.832419999 8752400 | -331177.1707400001 | 2903915.58909 | 3462131 | 8856435.98722 | 12451679.41766 | 36095384.82323 | 790038.82009 | 790038.82009 | 469359 | 469359 | 37354782.643319994 92294152.49998 | 4623764.075809999 | 34422840.534347184 | 33490078 | 119189492.3202144 | 146663450.59832546 | 430683778.0286771 | 9071554.58828 | 9071554.58828 | 4894181 | 4894181 | 444649513.61695707 Hors-bilan Effets à l'encaissement | 993966 | 0 | 0 | 0 | 34978.44685 | 5140.712637115999 | 1034085.1594871159 | 0 | 0 | 0 | 0 | 1034085.1594871159 Crédit documentaire | 85866 | 0 | 0 | 0 | 1480843.83553 | 1549448.335484694 | 3116158.171014694 | 0 | 0 | 0 | 0 | 3116158.171014694 Autres | 4676674.3 | 191616.531140892 | 2018998.933735124 | 70770 | 8815877.07868 | 1265676.4314339058 | 17039613.27498992 | 547150.24682 | 547150.24682 | 681370.18012 | 681370.18012 | 18268133.70192992 Portefeuille brut | 23136740.57988 | 1149374.0219899998 | 13201246.458100874 | 10440401 | 35347311.53701 | 33719899.51148 | 116994973.10846087 | 4567141.673830001 | 4567141.673830001 | 373139 | 373139 | 121935253.78229088 Provisions pour créances douteuses | 2609932 | 941479.75408 | 657552.6494359953 | 206055 | 1698429.66835 | 816417.37561 | 6929866.447475996 | 168658.01158000002 | 168658.01158000002 | 0 | 0 | 7098524.459055996 Portefeuille de crédit improductif | 5607632 | 951943.21513952 | 306783.73881187005 | 139171 | 1148261 | 213878.04775000003 | 8367669.00170139 | 308192.4389 | 308192.4389 | 0 | 0 | 8675861.44060139 Dépôts US convertis | 78079272 | 4104730.27535 | 31525640.722530156 | 30966722 | 111346274.38354212 | 156686632.45475048 | 412709271.83617276 | 6588415.691060001 | 6588415.691060001 | 4546592 | 4546592 | 423844279.52723277 Immobilisation /A | 0.27361187439102413 | -1.0335456083376042 | 0.35175461799497304 | 0.28465329590359234 | 0.5425466020511801 | 0.23347971452403027 | 0.3450929770241289 | 0.8692905013854432 | 0.8692905013854432 | 0.5949092272652703 | 0.5949092272652703 | 0.35931846199378836 Liquidité en % de l'actif | 0.6045208126289163 | 0.7069051919971516 | 0.5094752070508536 | 0.5525281248971711 | 0.511346669232524 | 0.5657088797475128 | 0.5549780863587731 | 0.18648930307504832 | 0.18648930307504832 | 0.8574674700424851 | 0.8574674700424851 | 0.5507897802748141 Liquidité en % des dépôts | 0.7923780143018702 | 0.8634785899626083 | 0.6332359022621273 | 0.6960325317038393 | 0.6432862890128928 | 0.667328835236567 | 0.6877246264379091 | 0.2918606002249029 | 0.2918606002249029 | 1.1365408661443552 | 1.1365408661443552 | 0.6859394749508533 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 74368816.33587022 | SOGEBK | 5500000 | SOGEBK | 33648881.86866 | UNIBK | 12451679.41766 SOGEBK | 55447149.90546001 | BNC | 400000 | UNIBK | 32903482.135870002 | SOGEBK | 8856435.98722 BNC | 36593736.1 | UNIBK | 200000 | BNC | 20526808.57988 | BNC | 8752400 CAPITALBK | 18504210 | BPH | 50000 | BUH | 12543693.808664879 | CAPITALBK | 3462131 BUH | 17537583.809453864 | BUH | 0 | CAPITALBK | 10234346 | BUH | 2903915.58909 CBNA | 4196601 | CAPITALBK | 0 | SOGEBL | 4398483.662250001 | SOGEBL | 790038.82009 BPH | 1728562.83176 | CBNA | 0 | CBNA | 373139 | CBNA | 469359 SOGEBL | 1691747.89297 | SOGEBL | 0 | BPH | 207894.26791 | BPH | -331177.1707400001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandec. 20 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4318049 | 293540.17509000003 | 1204198.3468017601 | 1023919 | 5180829.49403 | 3180126.2272822047 | 15200662.243203964 | 70576.45422 | 70576.45422 | 97877 | 97877 | 15369115.697423965 Avoirs à la BRH | 25563296 | 1295392.53614 | 12093890.328258434 | 10005820 | 35180582.071940005 | 50484407.69790576 | 134623388.6342442 | 963290.8987499999 | 963290.8987499999 | 3183793 | 3183793 | 138770472.5329942 Avoirs à l'étranger | 2301664 | 0 | 935719.959600645 | 4412510 | 8292205.11576 | 11163275.75952845 | 27105374.834889095 | 0 | 0 | 701042 | 701042 | 27806416.834889095 Avoirs dans les banques locales | 0 | 0 | 53134.82794637 | 12530 | 8978.31 | 0 | 74643.13794637 | 462716.88632 | 462716.88632 | 0 | 0 | 537360.02426637 Autres liquidités | 274583 | 47550.21082 | 4735.585006900001 | 138589 | 85389.44524 | 510792.882273153 | 1061640.123340053 | 15882.60759 | 15882.60759 | 61882 | 61882 | 1139404.730930053 32457592 | 1636482.92205 | 14291679.047614109 | 15593368 | 48747984.43697 | 65338602.56698956 | 178065708.97362366 | 1512466.8468799999 | 1512466.8468799999 | 4044594 | 4044594 | 183622769.82050368 Bons B.R.H. | 1200000 | 262000 | 0 | 0 | 5400000 | 0 | 6862000 | 0 | 0 | 0 | 0 | 6862000 Bons du Trésor / M.E.F. | 16575000 | 1353000 | 0 | 0 | 0 | 6150000 | 24078000 | 0 | 0 | 0 | 0 | 24078000 Autres Placements | 10070479.599999998 | 0 | 3059206.855704175 | 3229027 | 13941268.914980002 | 23162173.45331397 | 53462155.823998146 | 987402.21257 | 987402.21257 | 0 | 0 | 54449558.03656814 Portefeuille net | 19549731.77216 | 187417.68650999997 | 12270296.6641153 | 8701248 | 32360495.203840006 | 31697850.02548 | 104767039.3521053 | 4268503.9781599995 | 4268503.9781599995 | 357284 | 357284 | 109392827.3302653 Immobilisations | 2394600.1709399996 | 344651.1947 | 1021809.9788599999 | 817598 | 5033277.64147 | 2897608.3141799998 | 12509545.30015 | 685748.53338 | 685748.53338 | 285472 | 285472 | 13480765.83353 Autres actifs | 1962897 | 737976.45755 | 415341.37857113325 | 672526 | 4077962.95192 | 2367048.244026505 | 10233752.032067638 | 867207.40533 | 867207.40533 | 47561 | 47561 | 11148520.437397638 84210300.54309998 | 4521528.26081 | 31058333.924864713 | 29013767 | 109560989.14918001 | 131613282.60399006 | 389978201.48194474 | 8321328.9763199985 | 8321328.9763199985 | 4734911 | 4734911 | 403034441.35826474 PASSIF Dépôts À vue | 31572908.477520335 | 1718615.2637500004 | 10869961.247670215 | 11144867 | 40933024.639821835 | 49337867.84780517 | 145577244.47656757 | 2039309.4687199998 | 2039309.4687199998 | 3070934 | 3070934 | 150687487.94528756 Épargne | 21803075 | 457332.06588 | 4806676.181605015 | 5191853 | 27353107.03479497 | 43191964.21237123 | 102804007.49465121 | 753572.6335700001 | 753572.6335700001 | 463865 | 463865 | 104021445.12822121 À terme | 10521382 | 1508405.3519000001 | 8711242.997247435 | 6566345 | 17223153.080456473 | 19131711.935983494 | 63662240.3655874 | 2250339.8013400002 | 2250339.8013400002 | 4258 | 4258 | 65916838.1669274 63897365.47752033 | 3684352.6815300006 | 24387880.426522665 | 22903065 | 85509284.75507328 | 111661543.9961599 | 312043492.3368062 | 5043221.90363 | 5043221.90363 | 3539057 | 3539057 | 320625771.2404362 Obligations à vue Banques locales | 0 | 0 | 0 | 150000 | 0 | 0 | 150000 | 0 | 0 | 0 | 0 | 150000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2210533 | 208045.22211000003 | 1212291.2275815401 | 1049497 | 6147337.6683600005 | 3375855.825249342 | 14203559.943300882 | 159132.8644999999 | 159132.8644999999 | 648169 | 648169 | 15010861.807800882 2210533 | 208045.22211000003 | 1212291.2275815401 | 1199497 | 6147337.6683600005 | 3375855.825249342 | 14353559.943300882 | 159132.8644999999 | 159132.8644999999 | 648169 | 648169 | 15160861.807800882 Obligations à terme Banques locales | 4223247 | 0 | 1989035.02215 | 610759 | 4996045.17184 | 2733683.2041499997 | 14552769.398139998 | 1753987.78661 | 1753987.78661 | 0 | 0 | 16306757.184749998 Banque à l'étranger | 0 | 0 | 0 | 0 | 471.13302000000004 | 0 | 471.13302000000004 | 0 | 0 | 0 | 0 | 471.13302000000004 Autres | 4420466 | 921136.55026 | 165227.964999355 | 83079 | 691012.4014900001 | 696630.2493607949 | 6977552.1661101505 | 247482.04515000002 | 247482.04515000002 | 84854 | 84854 | 7309888.21126015 8643713 | 921136.55026 | 2154262.987149355 | 693838 | 5687528.70635 | 3430313.453510795 | 21530792.697270148 | 2001469.83176 | 2001469.83176 | 84854 | 84854 | 23617116.529030148 Autres passifs | 1019180 | 22264.03391 | 288059.84885699 | 726047 | 3231768.6579099996 | 1281150.409685595 | 6568469.950362585 | 251688.19410000002 | 251688.19410000002 | 0 | 0 | 6820158.1444625845 75770791.47752033 | 4835798.487810001 | 28042494.490110546 | 25522447 | 100575919.78769328 | 119748863.68460563 | 354496314.92773974 | 7455512.793989999 | 7455512.793989999 | 4272080 | 4272080 | 366223907.72172976 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 726311.76157 | 810000 | 3000000 | 6322075 | 14023386.76157 | 300000 | 300000 | 103837 | 103837 | 14427223.76157 Réserves | 1148549 | 126300.688 | 222839.40772999998 | 362874 | 1754893.6018700004 | 2079900.0328799998 | 5695356.73048 | 302502.72959999996 | 302502.72959999996 | 59288 | 59288 | 6057147.460080001 Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000 Surplus d'apport | 0 | 187425 | 1159346.97086 | 1384 | 0 | 0 | 1348155.97086 | 0 | 0 | 0 | 0 | 1348155.97086 BNR | 4062960 | -792995.915 | 907341.2967700001 | 2317062 | 4230175.759689999 | 3462443.8872599998 | 14186987.028719997 | 263313.45255 | 263313.45255 | 299706 | 299706 | 14750006.481269997 8439509 | -314270.2270000001 | 3015839.43693 | 3491320 | 8985069.361559998 | 11864418.92014 | 35481886.491629995 | 865816.18215 | 865816.18215 | 462831 | 462831 | 36810533.673779994 84210300.47752033 | 4521528.260810001 | 31058333.927040547 | 29013767 | 109560989.14925328 | 131613282.60474563 | 389978201.4193698 | 8321328.976139999 | 8321328.976139999 | 4734911 | 4734911 | 403034441.39550984 Hors-bilan Effets à l'encaissement | 897957.2 | 0 | 0 | 0 | 28691.52546 | 4168.475612863 | 930817.201072863 | 0 | 0 | 0 | 0 | 930817.201072863 Crédit documentaire | 77573.3 | 0 | 0 | 0 | 1398947.7501700001 | 1225559.652158655 | 2702080.702328655 | 0 | 0 | 0 | 0 | 2702080.702328655 Autres | 4388082.1 | 181800.15070819 | 2721752.42022182 | 210415 | 8740937.563310003 | 905028.275034035 | 17148015.509274047 | 478427.62514 | 478427.62514 | 623484.92686 | 623484.92686 | 18249928.061274048 Portefeuille brut | 21956998.77216 | 1112945.52394 | 12807101.244374536 | 9009453 | 33835944.831870005 | 32589651.6021 | 111312094.97444454 | 4426131.736409999 | 4426131.736409999 | 357284 | 357284 | 116095510.71085453 Provisions pour créances douteuses | 2407267 | 925527.83743 | 536804.580259235 | 308205 | 1475449.62803 | 891801.57662 | 6545055.622339236 | 157627.75825 | 157627.75825 | 0 | 0 | 6702683.380589236 Portefeuille de crédit improductif | 3409230 | 907341.331572175 | 218354.462552695 | 85794 | 1184335 | 265958.4485 | 6071013.24262487 | 165377.46797 | 165377.46797 | 0 | 0 | 6236390.710594869 Dépôts US convertis | 36013707 | 2368688.90766 | 21574269.326940157 | 23349153 | 76553000.91412212 | 111841687.02080046 | 271700506.16952276 | 5140174.9410500005 | 5140174.9410500005 | 3481039 | 3481039 | 280321720.11057276 Immobilisation /A | 0.28373690589582873 | -1.0966714791598757 | 0.3388144495849422 | 0.23418019545615984 | 0.5601823913573124 | 0.24422673657125116 | 0.35256144858873106 | 0.7920255448184684 | 0.7920255448184684 | 0.6167953313412455 | 0.6167953313412455 | 0.3662203311964558 Liquidité en % de l'actif | 0.596513629283276 | 0.7191114894121042 | 0.4601560110142438 | 0.5374472056661929 | 0.49422686722224857 | 0.5431716400698776 | 0.5359420300401079 | 0.18175784795722244 | 0.18175784795722244 | 0.8542069745344738 | 0.8542069745344738 | 0.5323683234053312 Liquidité en % des dépôts | 0.7861449627007279 | 0.8825113128691462 | 0.5860156273388734 | 0.6808419746440051 | 0.6332409935607302 | 0.640225811040622 | 0.6697967241952029 | 0.2999009117150605 | 0.2999009117150605 | 1.1428451138255191 | 1.1428451138255191 | 0.669200011559906 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 65338602.56698956 | SOGEBK | 5400000 | SOGEBK | 32360495.203840006 | UNIBK | 11864418.92014 SOGEBK | 48747984.43697 | BNC | 1200000 | UNIBK | 31697850.02548 | SOGEBK | 8985069.361559998 BNC | 32457592 | BPH | 262000 | BNC | 19549731.77216 | BNC | 8439509 CAPITALBK | 15593368 | UNIBK | 0 | BUH | 12270296.6641153 | CAPITALBK | 3491320 BUH | 14291679.047614109 | BUH | 0 | CAPITALBK | 8701248 | BUH | 3015839.43693 CBNA | 4044594 | CAPITALBK | 0 | SOGEBL | 4268503.9781599995 | SOGEBL | 865816.18215 BPH | 1636482.92205 | CBNA | 0 | CBNA | 357284 | CBNA | 462831 SOGEBL | 1512466.8468799999 | SOGEBL | 0 | BPH | 187417.68650999997 | BPH | -314270.2270000001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [sysratfinclé.mars 15 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2015 | 0.07247063166493371 | 0.027728771476712124 | 0.06180543673912304 | 0.08605024373713359 | 0.07199883558162791 | 0.10050115515958631 | 0.08187108182546783 | 0.07303822029155015 | 0.07303822029155015 | 0.051270153771969744 | 0.05017031935932962 | 0.0508153203297936 | 0.07947938312879163 Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 Dépôts en % de l'actif Au 31 mars 2015 | 0.7965701684725821 | 0.8450861658054181 | 0.8477810454259005 | 0.8539591780274732 | 0.8227397612852716 | 0.8223934739208267 | 0.8193301710495033 | 0.7182307495598217 | 0.7182307495598217 | 0.7374898371732286 | 0.8666066289754932 | 0.7908857249389082 | 0.8141797460896701 Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2015 | 0.05587345366272378 | 0.4021111282724963 | 0.024823251362599566 | 0.0064779542679581185 | 0.07264890090241163 | 0.004207954369586466 | 0.04280421588682717 | 0.05546927219093787 | 0.05546927219093787 | 0.03523722497879305 | 0.06571153940084287 | 0.052835138986271006 | 0.04396700004793931 Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.02138304931574691 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2015 | 0.5362472247283342 | 0.8809161634254901 | 0.8096635787982053 | 1.2256327865155872 | 0.49092749859856877 | 1.440376428785782 | 0.629807228318665 | 0.36906303919177813 | 0.36906303919177813 | 0 | 0.5315905361625738 | 0.43124496373892024 | 0.6007773749138591 Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2015 | 0.07963858758031334 | 0.7504594042992615 | 0.03581428515696819 | -0.007687063071368211 | 0.188005634656849 | -0.007028156754006801 | 0.06690149418244275 | 0.25844036233846057 | 0.25844036233846057 | 0.11136833821367445 | 0.23368445357131612 | 0.1613097669741492 | 0.07660504691880167 Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2015 (janvier - mars 2015) | 0.015771217285552638 | -0.011718490495650026 | 0.02189202604528634 | 0.029669980927950295 | 0.013177200501023138 | 0.02851417645806862 | 0.01812660270793836 | 0.01431913067201819 | 0.01431913067201819 | 0.010919804465693095 | 0.009830761238872016 | 0.010429351598012913 | 0.01749756367008322 TRIM 2 2014 (janvier - mars 2014) | 0.009550026160036789 | -0.00937151040711154 | -0.01047850009389995 | 0.01942826359963237 | 0.0069249591431309 | 0.02906011203983928 | 0.015072541408737011 | 0.014940139508983591 | 0.014940139508983591 | 0.00258578103666161 | 0.006340200146581622 | 0.004575176685514103 | 0.01440365359604406 CUMUL 2015 (octobre 2014 - mars 2015) | 0.015722305767765257 | -0.006994419762272569 | 0.01655039275990244 | 0.027189381610516913 | 0.006573622213878641 | 0.025427424271113122 | 0.016770869521095452 | 0.014044399583162195 | 0.014044399583162195 | 0.010383671644038275 | 0.012987982788378516 | 0.0115123490406778 | 0.0163332807226659 CUMUL 2014 (octobre 2013 - mars 2014) | 0.010392318600126956 | -0.00011049232563235361 | -0.0017190810050276254 | 0.020416866742206986 | 0.007683980059401221 | 0.023732268852096464 | 0.014237955481915303 | 0.012544878255944603 | 0.012544878255944603 | 0.009466201696793046 | 0.004563175784588311 | 0.006920080730948116 | 0.013736288290721512 ROE (rendement de l'avoir des actionn.) TRIM 2 2015 (janvier - mars 2015) | 0.2148309985332163 | -0.34447499706359874 | 0.3902456962425636 | 0.3424225150801011 | 0.09332790747403555 | 0.28692960027358755 | 0.2219384112789202 | 0.18647133528335247 | 0.18647133528335247 | 0.19601651869292486 | 0.2082144481083267 | 0.2010155624095763 | 0.21995443223836547 TRIM 2 2014 (janvier - mars 2014) | 0.14400119978241888 | -0.1652853779774771 | -0.21895151492264497 | 0.23374718621826626 | 0.09332131407675243 | 0.30152666612404816 | 0.19040952476323533 | 0.15034044954381628 | 0.15034044954381628 | 0.05264348062050563 | 0.14411292835343134 | 0.09776919764631971 | 0.18559614577682676 CUMUL 2015 (octobre 2014 - mars 2015) | 0.2238334899670998 | -0.19971467015041114 | 0.2842697153789087 | 0.31934651678817877 | 0.09106451567250241 | 0.26332203961987033 | 0.21006263810893278 | 0.18154629478900217 | 0.18154629478900217 | 0.20097607032809997 | 0.2826919736400284 | 0.23405626820651934 | 0.21022029610279883 CUMUL 2014 (octobre 2013 - mars 2014) | 0.1622093922262499 | -0.0019287445616628198 | -0.03562488251347787 | 0.24932516566962185 | 0.10553131359326963 | 0.2546154279463448 | 0.1847190814751632 | 0.12874114169093442 | 0.12874114169093442 | 0.20021388019563746 | 0.10159845832024336 | 0.15026839386683535 | 0.18157746446154233 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2015 (janvier - mars 2015) | 0.9005576885014279 | 0.7835357038234821 | 0.8773262362716712 | 0.8970324064094273 | 0.8437572088069144 | 0.8605594894130195 | 0.8693153225839981 | 0.6715630893517912 | 0.6715630893517912 | 0.8191849245090249 | 0.9909694032653207 | 0.9152811956065062 | 0.8622108536439683 TRIM 2 2014 (janvier - mars 2014) | 0.9275181879691887 | 0.8849406075636684 | 0.9558343093531831 | 0.9250555286068064 | 0.8914698084362648 | 0.9176759708156087 | 0.9135287019121052 | 0.654392189650229 | 0.654392189650229 | 0.9526254762299156 | 0.9842648644166183 | 0.9706954936181297 | 0.9044015282494487 CUMUL 2015 (octobre 2014 - mars 2015) | 0.9168421191148936 | 0.8294835573049971 | 0.8771046489371048 | 0.9004461059190031 | 0.843384832148663 | 0.8688142710171971 | 0.8761817518373888 | 0.6653262338271715 | 0.6653262338271715 | 0.8425549370055669 | 0.9920968164231064 | 0.9243876294786891 | 0.8688242662463537 CUMUL 2014 (octobre 2013 - mars 2014) | 0.9298947937296947 | 0.9146926870998514 | 0.9569567994675174 | 0.9267938546864883 | 0.8985916078609463 | 0.918049737557435 | 0.9174321777303901 | 0.6668892755893672 | 0.6668892755893672 | 0.9348980592727527 | 0.983288420964676 | 0.96262275069267 | 0.9089097572852997 Rendement moyen des prêts TRIM 2 2015 (janvier - mars 2015) | 0.08014122111136185 | 0.06375459471796402 | 0.13721693394874832 | 0.14291273222458248 | 0.07852558175200942 | 0.08913569468213382 | 0.09050205540241044 | 0.09581578751511748 | 0.09581578751511748 | 0.08097774192729293 | 0.10208484805220962 | 0.09280254412347289 | 0.09088527735135987 TRIM 2 2014 (janvier - mars 2014) | 0.07507806082782871 | 0.07374185322572759 | 0.12037614990826055 | 0.12311582048763477 | 0.06555533111522362 | 0.06757127871773796 | 0.0745961555557843 | 0.08248622996883509 | 0.08248622996883509 | 0.08787875098910464 | 0.08200135748986842 | 0.08443857294228052 | 0.07554203671422424 CUMUL 2015 (octobre 2014 - mars 2015) | 0.07902185796682366 | 0.06955999263717605 | 0.12624161510146545 | 0.1390160393053372 | 0.07665401473538323 | 0.08647007285340168 | 0.08795458579400549 | 0.09018348173085504 | 0.09018348173085504 | 0.08957392392126914 | 0.0923348278155562 | 0.09120922810768992 | 0.08823478059740207 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0757323559560027 | 0.08571300956119571 | 0.13820232406247224 | 0.12241812321290707 | 0.06734761526219836 | 0.06739640737751931 | 0.07589646533700663 | 0.07876580744499925 | 0.07876580744499925 | 0.09829059089116235 | 0.08162443781371893 | 0.0880343086983738 | 0.07672845239347538 Rendement moyen des prêts productifs TRIM 2 2015 (janvier - mars 2015) | 0.08460459349616214 | 0.10837141647838269 | 0.14099188246762118 | 0.14433090882683236 | 0.0843579070792618 | 0.08941953736472633 | 0.09441838668696859 | 0.10362689899106994 | 0.10362689899106994 | 0.08233864026440688 | 0.10927815868376753 | 0.09708861835908389 | 0.09499583644792464 TRIM 2 2014 (janvier - mars 2014) | 0.07942183742135307 | 0.10387979225175298 | 0.1269040022406348 | 0.1238550402818438 | 0.07011200592210948 | 0.0677775999605375 | 0.07782785233866715 | 0.0919243803448651 | 0.0919243803448651 | 0.08787875098910464 | 0.08919161422469289 | 0.08862023995619532 | 0.07906488003982544 CUMUL 2015 (octobre 2014 - mars 2015) | 0.08319647187828108 | 0.1136571966294598 | 0.12926658575812594 | 0.13987927943444528 | 0.0806128008663464 | 0.0866880631952826 | 0.09109325728701388 | 0.09737003385204082 | 0.09737003385204082 | 0.09127183149939674 | 0.0988605600324375 | 0.09567556478819104 | 0.09162460912361743 CUMUL 2014 (octobre 2013 - mars 2014) | 0.07868543477135646 | 0.12739628935586172 | 0.15149804601874925 | 0.12325561729986595 | 0.07019898197011834 | 0.06757347774823672 | 0.07841849230362784 | 0.08618601807677369 | 0.08618601807677369 | 0.09927320802758871 | 0.08836895877246174 | 0.09274337932141483 | 0.07955890038319643 Rémunération moyenne des dépôts TRIM 2 2015 (janvier - mars 2015) | 0.0046400941015979965 | 0.007748183609675617 | 0.009131273363631998 | 0.008285668015601303 | 0.007088097333734551 | 0.006488947650281016 | 0.0063357175715063 | 0.026954063463130843 | 0.026954063463130843 | 0.006040902767558744 | 0.00039749245231689395 | 0.0032713867658228928 | 0.0067244069978214015 TRIM 2 2014 (janvier - mars 2014) | 0.0022281779553125084 | 0.004873067972453534 | 0.0024552460812381103 | 0.005044900126702525 | 0.004229886272634966 | 0.002524481197700391 | 0.0031572463727636995 | 0.030359850224953095 | 0.030359850224953095 | 0.0015911492785004994 | 0.0006242919268011547 | 0.0010787871490298136 | 0.003594420053189268 CUMUL 2015 (octobre 2014 - mars 2015) | 0.0034943575324100653 | 0.006863873814266455 | 0.008973282838674773 | 0.007801757700112297 | 0.006838100491900367 | 0.005584533847570773 | 0.0057151276952245875 | 0.026604089602874154 | 0.026604089602874154 | 0.004673931195724783 | 0.0003272340979536125 | 0.002656011182498622 | 0.006076782883194255 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0022449950692803684 | 0.0042814983409671875 | 0.0026147942766082534 | 0.0048765385202920895 | 0.003948125682052602 | 0.0025049786252711137 | 0.0030517693627513253 | 0.027269274855116724 | 0.027269274855116724 | 0.0021762948743712 | 0.0006675822975115974 | 0.001378342642276887 | 0.003451006046199966 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2015 (janvier - mars 2015) | 0.5834969190824814 | 1.0015282455830778 | 0.6943413201356983 | 0.624852681889279 | 0.7263893534775501 | 0.5302681128545018 | 0.6186248944314731 | 0.5100077268799373 | 0.5100077268799373 | 0.5973815859499734 | 0.8030953702139979 | 0.6938105039355831 | 0.6204133921481786 TRIM 2 2014 (janvier - mars 2014) | 0.7023338620043865 | 0.8347920738778455 | 1.103823405632522 | 0.7171561782595318 | 0.7316862155091262 | 0.5215869819847087 | 0.6613419425031223 | 0.57742053302737 | 0.57742053302737 | 0.4939800359542057 | 0.8511851142889314 | 0.6570822622107969 | 0.6590814416023064 CUMUL 2015 (octobre 2014 - mars 2015) | 0.5878158441396769 | 0.8667964923658741 | 0.7577607547488461 | 0.6414839505499529 | 0.7304371384551767 | 0.5430093855573692 | 0.6301172312128893 | 0.5227656089590222 | 0.5227656089590222 | 0.6339319434485854 | 0.7207171568940216 | 0.6740044368369418 | 0.6301382099059023 CUMUL 2014 (octobre 2013 - mars 2014) | 0.6651584146224413 | 0.7890901515774374 | 0.9672494283562587 | 0.7041927036898277 | 0.7145745663899689 | 0.5574014052117194 | 0.6600151750246959 | 0.60593923064633 | 0.60593923064633 | 0.65577319524936 | 0.8557758910017924 | 0.7477601156069364 | 0.6642321984245352 Productivité par employé ('000) TRIM 2 2015 (janvier - mars 2015) | 3203.7135947704282 | 788.8915745337622 | 2973.715624130757 | 2379.8926919518963 | 2107.8867167560134 | 3576.556950563193 | 2707.939282952228 | 4231.654105693432 | 4231.654105693432 | 11387.878787878788 | 3878.2690058479534 | 5969.552742616033 | 2822.1096888896473 TRIM 2 2014 (janvier - mars 2014) | 2343.8794197685947 | 1023.7078198601398 | 1710.791587469965 | 2030.1741741741741 | 2058.8034931017014 | 3322.5586378857956 | 2387.7631481223266 | 3691.8160024427475 | 3691.8160024427475 | 8672 | 3140.243093922652 | 4806.177606177606 | 2485.3635727736846 CUMUL 2015 (octobre 2014 - mars 2015) | 2961.7310002784225 | 958.372933762058 | 2625.0698114208585 | 2306.8159111933396 | 2094.6891618995182 | 3465.3254137265417 | 2614.368750958807 | 4047.744225588236 | 4047.744225588236 | 10907.522388059702 | 3562.0454545454545 | 5587.341563786008 | 2721.1640312925224 CUMUL 2014 (octobre 2013 - mars 2014) | 2476.6595885194374 | 1133.4299763380282 | 1800.4817211858658 | 1996.516 | 2001.2136067905283 | 3066.824764128181 | 2323.7690570086183 | 3521.20250944 | 3521.20250944 | 8654.78947368421 | 3111.9777777777776 | 4757.5 | 2418.6504792777387 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclédéc. 14] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2014 | 0.07441205680857094 | 0.03993976408896387 | 0.05017527200186265 | 0.08723395617280141 | 0.0730820017315578 | 0.09817257959842662 | 0.08146991825074841 | 0.08074868884627064 | 0.08074868884627064 | 0.06134703578292764 | 0.04446904811824284 | 0.0530609958051227 | 0.07962523715001245 Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 Dépôts en % de l'actif Au 31 décembre 2014 | 0.789876541541452 | 0.8996605861182448 | 0.8340567125343711 | 0.8460375587464395 | 0.8067755355220966 | 0.8379993245123369 | 0.8184297896726818 | 0.7434230048656452 | 0.7434230048656452 | 0.7213813935820159 | 0.8520487367946366 | 0.785530914909063 | 0.813965655305315 Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2014 | 0.04983087713195972 | 0.4214990426151619 | 0.029074616878273264 | 0.013055971452746357 | 0.06572007729066545 | 0.0021438281630590567 | 0.040173999507431155 | 0.09568204667475882 | 0.09568204667475882 | 1.3896740547298112e-05 | 0.06594121967427166 | 0.03586517043126149 | 0.04258603176072046 Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.02138304931574691 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2014 | 0.5355822040631438 | 0.7821049285679624 | 0.46314330202924026 | 0.5196324481865285 | 0.4694713466802863 | 2.520557549197176 | 0.5914399632072127 | 0.20260584372392962 | 0.20260584372392962 | 0 | 0.571503330834618 | 0.572116438404593 | 0.5488372896692973 Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2014 | 0.07841313225111914 | 0.9211558806144916 | 0.1282698216351657 | 0.03313749253031158 | 0.17811709151512586 | -0.013600623566944844 | 0.07330396164272232 | 0.5272138538479961 | 0.5272138538479961 | -0.00019478439161914524 | 0.22214482381882908 | 0.09128510530460046 | 0.08851962525473347 Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.0015255543790796862 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 TRIM 1 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199022 CUMUL 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.006286571401482859 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 CUMUL 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199022 ROE (rendement de l'avoir des actionn.) TRIM 1 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948 TRIM 1 2014 (octobre - décembre 2013) | 0.17442378619369847 | 0.1368176887755292 | 0.19811700561928142 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444039223193 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.17413231688383354 CUMUL 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948 CUMUL 2014 (octobre - décembre 2013) | 0.17442378619369847 | 0.1368176887755292 | 0.19811700561928142 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444039223193 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.17413231688383354 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 TRIM 1 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 CUMUL 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 CUMUL 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 Rendement moyen des prêts TRIM 1 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626 TRIM 1 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 CUMUL 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626 CUMUL 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 Rendement moyen des prêts productifs TRIM 1 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229 TRIM 1 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 CUMUL 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229 CUMUL 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 Rémunération moyenne des dépôts TRIM 1 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305 TRIM 1 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 CUMUL 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305 CUMUL 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 TRIM 1 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 CUMUL 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 CUMUL 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 Productivité par employé ('000) TRIM 1 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359 TRIM 1 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 CUMUL 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359 CUMUL 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclésept. 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.0003530517210407771 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2014 (juillet - septembre 2014) | 0.004504436339437025 | 0.002855833419768662 | 0.009968332455238592 | 0.02125431884266389 | 0.011141491921435145 | 0.03240178640088492 | 0.01701062280447699 | 0.010782537021730522 | 0.010782537021730522 | 0.004983576342994076 | -0.004709689773443081 | 0.0004731436626041405 | 0.01573201148388411 TRIM 4 2013 (juillet - septembre 2013) | 0.0097 | -0.0041 | 0.0461 | 0.0168 | 0.0106 | 0.0327 | 0.0188 | 0.0162 | 0.0162 | -0.0097 | -0.0135 | -0.0116 | 0.0166 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.009402594767414332 | -0.001913737079623673 | 0.002118585548914055 | 0.021077083666040275 | 0.009138060571334029 | 0.02771575027492474 | 0.015845491087009344 | 0.011331509113639653 | 0.011331509113639653 | 0.022338398949436355 | -0.0013401712624093896 | 0.010838546070714756 | 0.015398337683709466 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0104 | 0.0129 | 0.0106 | 0.0197 | 0.0107 | 0.024 | 0.0157 | 0.013 | 0.013 | -0.0003 | 0.0147 | 0.0072 | 0.0151 ROE (rendement de l'avoir des actionn.) TRIM 4 2014 (juillet - septembre 2014) | 0.0660981743172076 | 0.07056267018068657 | 0.1819657346248714 | 0.25166098313439694 | 0.153272882144854 | 0.3502657279145414 | 0.21860833238901453 | 0.12799582534765128 | 0.12799582534765128 | 0.09097334739726623 | -0.11066834480013193 | 0.00963776472630021 | 0.20675602610719573 TRIM 4 2013 (juillet - septembre 2013) | 0.1519 | -0.0917 | 1.3792 | 0.207 | 0.148 | 0.3768 | 0.2541 | 0.1575 | 0.1575 | -0.2394 | -0.2969 | -0.2698 | 0.2394 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.1433879248856003 | -0.03405846491251682 | 0.04525205232551107 | 0.24980219847954527 | 0.1252800978873477 | 0.30630635045938825 | 0.20664954889912238 | 0.12333932071595143 | 0.12333932071595143 | 0.4570828276973791 | -0.031128200255743293 | 0.23538578805679017 | 0.20507592021219445 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.179 | 0.307 | -1.0524 | 0.24 | 0.1545 | 0.283 | 0.2242 | 0.1283 | 0.1283 | -0.0062 | 0.3442 | 0.1673 | 0.2186 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2014 (juillet - septembre 2014) | 0.9398676031109472 | 0.8858420671691244 | 0.928805278982118 | 0.9095752680086794 | 0.8447126831619745 | 0.8624726962147817 | 0.8839197217559494 | 0.6004208265230057 | 0.6004208265230057 | 0.8393159021751381 | 0.9786021460481817 | 0.9193227330503394 | 0.8710573464584173 TRIM 4 2013 (juillet - septembre 2013) | 0.9583423729410312 | 0.9000395790436512 | 0.9547625252836981 | 0.9329728200845837 | 0.9063832032694609 | 0.9228542369339289 | 0.9291457891278633 | 0.7970790586090167 | 0.7970790586090167 | 0.9251265804882188 | 0.9788375067035189 | 0.9561877497465259 | 0.9248008658363653 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.9346877432175572 | 0.9098120276371312 | 0.9460195238763798 | 0.9205588404583748 | 0.877635283056174 | 0.881525356991579 | 0.9001839571164845 | 0.6343436522959987 | 0.6343436522959987 | 0.9119244277916934 | 0.9815569711312906 | 0.9515909192142655 | 0.8906179363218174 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.9601693890259704 | 0.9368919507076952 | 0.9574256284489606 | 0.9386604559198135 | 0.9074444603777176 | 0.9378471045777851 | 0.9344396834997565 | 0.7861788355736378 | 0.7861788355736378 | 0.928615595015531 | 0.9791577175618693 | 0.9601541537544207 | 0.9295607228943829 Rendement moyen des prêts TRIM 4 2014 (juillet - septembre 2014) | 0.07907395176079653 | 0.06465529767455018 | 0.11824747183414595 | 0.12999999908410456 | 0.07199439277607839 | 0.07866026427487564 | 0.08233830348886749 | 0.08878893848420943 | 0.08878893848420943 | 0.09533439944863532 | 0.08099529742201259 | 0.08640641107090946 | 0.08286227995797024 TRIM 4 2013 (juillet - septembre 2013) | 0.0834 | 0.0752 | 0.1471 | 0.1206 | 0.0642 | 0.0688 | 0.0764 | 0.0904 | 0.0904 | 0.0937 | 0.0833 | 0.0873 | 0.0777 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.07388363719790912 | 0.08010018886855656 | 0.12701144854886312 | 0.12750818336585298 | 0.07221575036261622 | 0.07124952630104844 | 0.07877198896851155 | 0.082557802290236 | 0.082557802290236 | 0.10182490311925643 | 0.0829999421085822 | 0.09016982254114234 | 0.07956504360669436 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0886 | 0.0966 | 0.1347 | 0.1212 | 0.0636 | 0.0638 | 0.0754 | 0.0885 | 0.0885 | 0.087 | 0.0985 | 0.094 | 0.0771 Rendement moyen des prêts productifs TRIM 4 2014 (juillet - septembre 2014) | 0.08220414482690334 | 0.09942812841778843 | 0.1204467433181131 | 0.1309051013272788 | 0.07441761497089962 | 0.07881357054495323 | 0.08464201091069311 | 0.09850483922809175 | 0.09850483922809175 | 0.09535188977576595 | 0.08670521442823137 | 0.09010732410183606 | 0.08554122063711722 TRIM 4 2013 (juillet - septembre 2013) | 0.0853 | 0.1074 | 0.1602 | 0.1215 | 0.0656 | 0.0689 | 0.0782 | 0.0976 | 0.0976 | 0.0946 | 0.0913 | 0.0927 | 0.0798 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.07647188275185553 | 0.12453649692041639 | 0.13670346608427125 | 0.1283215064777489 | 0.07348336615279534 | 0.07133822630024861 | 0.0806443526706825 | 0.09001886891409101 | 0.09001886891409101 | 0.10290021883855494 | 0.08960208919037671 | 0.09487559457022172 | 0.08179737992803453 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0905 | 0.143 | 0.1477 | 0.122 | 0.0644 | 0.0639 | 0.0769 | 0.0946 | 0.0946 | 0.0878 | 0.1099 | 0.1007 | 0.0791 Rémunération moyenne des dépôts TRIM 4 2014 (juillet - septembre 2014) | 0.002280797244357299 | 0.004002059735976259 | 0.004702299606461289 | 0.006828737644815598 | 0.006523005106089453 | 0.005134411295705198 | 0.004912433305153346 | 0.035213393111772844 | 0.035213393111772844 | 0.004351743000693909 | 0.0008297367953460265 | 0.0026427417620906884 | 0.005523714518831194 TRIM 4 2013 (juillet - septembre 2013) | 0.0015 | 0.0049 | 0.0026 | 0.0044 | 0.0034 | 0.0023 | 0.0026 | 0.018 | 0.018 | 0.0022 | 0.0008 | 0.0015 | 0.0028 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.0021957282675551353 | 0.004136318924972395 | 0.0033556219815742113 | 0.005625054054486075 | 0.005048233112163958 | 0.003976522715336909 | 0.0039288702731499585 | 0.030071443498115833 | 0.030071443498115833 | 0.002623494519776049 | 0.0007269498045063902 | 0.0016750619273024974 | 0.004378630147915443 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0011 | 0.004 | 0.0025 | 0.0041 | 0.0034 | 0.0018 | 0.0023 | 0.0166 | 0.0166 | 0.0022 | 0.0011 | 0.0016 | 0.0025 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2014 (juillet - septembre 2014) | 0.7646124679703716 | 0.7356711444556842 | 1.0632189982968676 | 0.7232397724680854 | 0.6338583142481118 | 0.5014572849478823 | 0.6355778368803148 | 0.5952444596480727 | 0.5952444596480727 | 0.8685680873180873 | 1.2783329063113844 | 1.0641175431684486 | 0.655790623294296 TRIM 4 2013 (juillet - septembre 2013) | 0.7206536751329417 | 0.8080492647218387 | 0.8115984648893941 | 0.7403883807301822 | 0.6944748328100792 | 0.5118765311279985 | 0.6437325788912321 | 0.554560688822761 | 0.554560688822761 | 0.9147307876657613 | 1.6944996042381237 | 1.3319093928069954 | 0.6759956105276037 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.6765288207359405 | 0.7958986463640942 | 1.0056598916110797 | 0.6966345664319791 | 0.6795697610704285 | 0.5268450267320995 | 0.639284622239757 | 0.6076258517981356 | 0.6076258517981356 | 0.5541634438104134 | 0.9811535129454204 | 0.7277552434429897 | 0.6442907360144908 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.6638553044944727 | 0.6582289269889277 | 0.914483829895417 | 0.7033762961717699 | 0.6599955502641739 | 0.5546378635457817 | 0.6383583075893451 | 0.5163221915723314 | 0.5163221915723314 | 0.9304241848201009 | 0.8469337387159586 | 0.8837852513841735 | 0.6505758523215176 Productivité par employé ('000) TRIM 4 2014 (juillet - septembre 2014) | 2928.572767837627 | 1091.103999739414 | 2431.627096627906 | 2269.5372549019608 | 2351.2508350418293 | 3738.6765651086957 | 2767.6872081885444 | 3579.6744823880595 | 3579.6744823880595 | 9328.484848484848 | 3122.4 | 4787.447154471544 | 2839.304476904206 TRIM 4 2013 (juillet - septembre 2013) | 2990.4 | 1131.95 | 2845.45 | 2013.25 | 2108.38 | 3595.32 | 2646.42 | 4420.7 | 4420.7 | 6766.49 | 3182.9 | 4222.84 | 2723.22 CUMUL 2014 (octobre 2013 - septembre 2014) | 2676.4013162245733 | 1069.7496281756758 | 1929.707924212677 | 2082.6867704280157 | 2154.8660453316106 | 3397.92386234965 | 2512.500441609096 | 3548.1153692063485 | 3548.1153692063485 | 11746.457142857143 | 3129.3777777777777 | 5542.16 | 2619.903655649858 CUMUL 2013 (octobre 2013 - septembre 2013) | 2699.7 | 1295.89 | 1787.18 | 1896.61 | 2059.84 | 3033.68 | 2359.76 | 3910.93 | 3910.93 | 6957.97 | 3710.37 | 4673.1 | 2457.61 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfincléjuin 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2014 | 0.06833493698775292 | 0.038863119571471115 | 0.055605232022362866 | 0.0847068744528905 | 0.07302000093478006 | 0.09267736157936914 | 0.07790461213409336 | 0.08636624007953322 | 0.08636624007953322 | 0.05775875585072 | 0.0432620301248619 | 0.05084390333319419 | 0.07635740757058533 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 30 juin 2014 | 0.8002896215267851 | 0.8724826119511965 | 0.8506898390990936 | 0.8561215882111015 | 0.8256504321249453 | 0.8403449795196175 | 0.8276211277882833 | 0.6989199726408724 | 0.6989199726408724 | 0.7801178204169268 | 0.8401637614777273 | 0.8087593795222955 | 0.8227065418823759 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2014 | 0.02989262632619841 | 0.32612986204396305 | 0.014612971405087473 | 0.007961016993459752 | 0.039304479799887444 | 0.0033189606937650694 | 0.028446926424954597 | 0.10408606390790066 | 0.10408606390790066 | 0 | 0.06543265926120789 | 0.041732708568150235 | 0.03275416477249695 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2014 | 0.7156925102894751 | 0.8823734460123144 | 0.8037625386410249 | 0.7956784311924499 | 0.6406890130840146 | 2.192712402297941 | 0.7913398562798428 | 0.19866799788030845 | 0.19866799788030845 | 0 | 0.6467353595351883 | 0.6608003216330659 | 0.6933448337478264 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2014 | 0.028997561164033774 | 0.4338774935791825 | 0.024261419700000092 | 0.009389710995712475 | 0.07593160970165433 | -0.01592790156055473 | 0.02702142130358636 | 0.5710733270473757 | 0.5710733270473757 | -0.0059233164017696216 | 0.21778655494435206 | 0.08487256702643414 | 0.04710549299612725 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2014 (avril - juin 2014) | 0.013322830045721107 | -0.00966628366366608 | 0.0011008860734992077 | 0.02295407258392324 | 0.010426833461705077 | 0.032768439475096084 | 0.018822586178623507 | 0.010366166897591005 | 0.010366166897591005 | 0.07139614248621405 | -0.009842126668392058 | 0.03110049765842081 | 0.01937569276360065 TRIM 3 2013 (avril - juin 2013) | 0.012716704104397035 | 0.037362557727393414 | -0.028733344606773206 | 0.02147890300822905 | 0.014597072738131595 | 0.029674700359892288 | 0.01902338713923453 | 0.01741214063438429 | 0.01741214063438429 | 0.00017481196493725199 | 0.008415838514377733 | 0.004033198367830645 | 0.017887615447555745 CUMUL 2014 (octobre 2013 - juin 2014) | 0.011278125579922227 | -0.003472205403363291 | -0.0007404416528587352 | 0.02151012251588616 | 0.008590793337490578 | 0.027144061589946145 | 0.01582326197621674 | 0.011668548603281967 | 0.011668548603281967 | 0.029787217521914156 | -0.00022562479155719683 | 0.014823247060945328 | 0.015649113884682053 CUMUL 2013 (octobre 2013 - juin 2013) | 0.010970940171173067 | 0.019568066134870336 | -0.0026584986935804526 | 0.019947785471126685 | 0.01062125298216681 | 0.02175130693274606 | 0.014877681568161943 | 0.01198543784270735 | 0.01198543784270735 | 0.0028551403191436103 | 0.02390833497604457 | 0.012876977156557917 | 0.014670389193682081 ROE (rendement de l'avoir des actionn.) TRIM 3 2014 (avril - juin 2014) | 0.1996670519474108 | -0.23330870763270256 | 0.019457655567696644 | 0.2796919906315 | 0.1437071661052999 | 0.34396354641510785 | 0.24056143589599274 | 0.11698359039944044 | 0.11698359039944044 | 1.3181741837149543 | -0.22156931382387032 | 0.6304544092419274 | 0.25268642310890993 TRIM 3 2013 (avril - juin 2013) | 0.2105701703275966 | 3.3431883705953833 | 2.241798655876637 | 0.2729795464087588 | 0.21715614584380744 | 0.37062680678300614 | 0.2791927801049516 | 0.17284692080560576 | 0.17284692080560576 | 0.004743206095898205 | 0.17375145147960327 | 0.09539868284177438 | 0.2669133502957532 CUMUL 2014 (octobre 2013 - juin 2014) | 0.1716484860842938 | -0.06442460738875005 | -0.015631736925679963 | 0.25415792307100715 | 0.11722466452016433 | 0.2996944659867589 | 0.2062010618019755 | 0.12337850642981678 | 0.12337850642981678 | 0.5758653935834798 | -0.005155847359333257 | 0.3104036428477012 | 0.20774536741377933 CUMUL 2013 (octobre 2013 - juin 2013) | 0.18802179183277204 | 1.9957515927859377 | 0.16848816336974146 | 0.2537282253786464 | 0.15733949986866128 | 0.2611411332770673 | 0.21764765174181114 | 0.12055145734662644 | 0.12055145734662644 | 0.07255118323640115 | 0.5396585328920329 | 0.30873062814376095 | 0.21793705731086702 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2014 (avril - juin 2014) | 0.9376296541558427 | 0.9194533205715755 | 0.9445528440501495 | 0.9213410739218668 | 0.8737033669393225 | 0.8390419295074107 | 0.8869121351892709 | 0.6178819834652726 | 0.6178819834652726 | 0.9365542244640606 | 0.9810541606142353 | 0.9614162821434368 | 0.8787857547409763 TRIM 3 2013 (avril - juin 2013) | 0.9597137916212669 | 0.9403213311679534 | 0.964666949687675 | 0.9315107342389609 | 0.9042764210967034 | 0.9370052130359405 | 0.9332107125040066 | 0.8048889281105941 | 0.8048889281105941 | 0.6707212310576318 | 0.9761675048752951 | 0.8412282152298005 | 0.9212940316997363 CUMUL 2014 (octobre 2013 - juin 2014) | 0.9326811629168358 | 0.9162234054670474 | 0.9526710351923604 | 0.9247954721077611 | 0.889317575561553 | 0.8888816033320691 | 0.9062664633816025 | 0.6489565671539016 | 0.6489565671539016 | 0.9354741430516591 | 0.9825403662840786 | 0.9622120215818536 | 0.897932745461774 CUMUL 2013 (octobre 2013 - juin 2013) | 0.960970126246683 | 0.9470178295626018 | 0.9583528458735422 | 0.9407416168904134 | 0.9077986706025726 | 0.9430468809761379 | 0.9363563578708023 | 0.7822448281078842 | 0.7822448281078842 | 0.9298235305638796 | 0.9792441277969498 | 0.9613342607905626 | 0.9312613918293057 Rendement moyen des prêts TRIM 3 2014 (avril - juin 2014) | 0.08408650949685588 | 0.07688779144000053 | 0.11893182763615713 | 0.13428888844822306 | 0.08081431823545056 | 0.07890336197637736 | 0.08664380753096304 | 0.0811807154574455 | 0.0811807154574455 | 0.10406981271489854 | 0.08013679854402148 | 0.08925903241682884 | 0.08654273751555516 TRIM 3 2013 (avril - juin 2013) | 0.07918212074805626 | 0.10687335628570079 | 0.1364067931957637 | 0.1198430349475515 | 0.0637573791891593 | 0.07100010750777302 | 0.07700394003565024 | 0.08899783846219883 | 0.08899783846219883 | 0.08519492641340329 | 0.0842814275821893 | 0.08465904863154819 | 0.07801995748771341 CUMUL 2014 (octobre 2013 - juin 2014) | 0.07805353096943744 | 0.08313784904239105 | 0.12630539126969625 | 0.12333545580192416 | 0.07208802306567089 | 0.07242737782337207 | 0.07972407831993365 | 0.08013574443013936 | 0.08013574443013936 | 0.10820286080122171 | 0.08114457961505274 | 0.09103581304786346 | 0.080384131135286 CUMUL 2013 (octobre 2013 - juin 2013) | 0.08787460548298442 | 0.0954760190395998 | 0.13581305876452454 | 0.11951234381234001 | 0.06382018627765915 | 0.06534516698404373 | 0.07598699553282966 | 0.08631765795866968 | 0.08631765795866968 | 0.07920964672492532 | 0.10308362308151582 | 0.09326600135977019 | 0.07759934910313387 Rendement moyen des prêts productifs TRIM 3 2014 (avril - juin 2014) | 0.08778658912110278 | 0.11314333844997787 | 0.12203034293170577 | 0.13528535076855402 | 0.08558092235892922 | 0.07916799469177707 | 0.08989460548753914 | 0.09043447199392854 | 0.09043447199392854 | 0.10406981271489854 | 0.08604020827578347 | 0.0932170466812622 | 0.09010941851009828 TRIM 3 2013 (avril - juin 2013) | 0.08085597546139775 | 0.14901302678142064 | 0.1376962673232622 | 0.12075707126949385 | 0.06554405037741956 | 0.07116977191381105 | 0.07878012072226279 | 0.0988074530349786 | 0.0988074530349786 | 0.08519492641340329 | 0.09244705764341409 | 0.08928535727376152 | 0.08024663760100766 CUMUL 2014 (octobre 2013 - juin 2014) | 0.0800920674864757 | 0.12463179355409677 | 0.13556686262138035 | 0.12426249342425406 | 0.07386472954611588 | 0.0726151524656478 | 0.08171247811395156 | 0.08790415638773173 | 0.08790415638773173 | 0.10937145570453273 | 0.08754000494298873 | 0.09585307347707382 | 0.08275332586735364 CUMUL 2013 (octobre 2013 - juin 2013) | 0.08996083264731496 | 0.13303030421182058 | 0.13837364763043103 | 0.12038596426827346 | 0.06545444196063042 | 0.06550936305431845 | 0.07770651007967395 | 0.09273164277326451 | 0.09273164277326451 | 0.07920964672492532 | 0.1152545317956442 | 0.0994492157216451 | 0.07973852612407716 Rémunération moyenne des dépôts TRIM 3 2014 (avril - juin 2014) | 0.002272875097701529 | 0.0034625018131110514 | 0.0033839093129849947 | 0.005800050904147802 | 0.005673863394028917 | 0.00574893404858615 | 0.0047615049749920105 | 0.0316950805795074 | 0.0316950805795074 | 0.0020790231087938157 | 0.000750231391534403 | 0.0013991652201075977 | 0.005173756600274939 TRIM 3 2013 (avril - juin 2013) | 0.0012025246685935164 | 0.004422350387240892 | 0.001991569567840677 | 0.0044596739694405 | 0.0033824861610969505 | 0.001970590645590894 | 0.002380201675724208 | 0.01690067469894078 | 0.01690067469894078 | 0.0017885346027258068 | 0.0009742935663581718 | 0.0014210481489422835 | 0.0025896194731955054 CUMUL 2014 (octobre 2013 - juin 2014) | 0.002229475529220378 | 0.0039667722598538905 | 0.0028849285130231844 | 0.005282695940145357 | 0.004520988701906856 | 0.0036899917675809264 | 0.0036521560195065437 | 0.02874101495266659 | 0.02874101495266659 | 0.00206053766872093 | 0.0007004679379476833 | 0.0013649109049559602 | 0.004053872889615977 CUMUL 2013 (octobre 2013 - juin 2013) | 0.0010498429889061534 | 0.0035310052091721074 | 0.002422322860989621 | 0.0037585387367797935 | 0.003355279676899374 | 0.0016330829925971736 | 0.0021631347035900327 | 0.01645580587033184 | 0.01645580587033184 | 0.0018740389412922193 | 0.0010859199190845512 | 0.001501147423630761 | 0.0024179986256735076 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2014 (avril - juin 2014) | 0.5997526952708631 | 0.8812194163814072 | 1.0087220184853003 | 0.6559576746594044 | 0.6676786907477196 | 0.5029810121967844 | 0.6074190274824798 | 0.6249601050393291 | 0.6249601050393291 | 0.3131536308734718 | 0.9346189962299056 | 0.49708805521910104 | 0.5985817255667323 TRIM 3 2013 (avril - juin 2013) | 0.5986995508873347 | 0.5126586312167909 | 1.4168077403024997 | 0.6787929953822736 | 0.5839355308161784 | 0.5307319546693219 | 0.5955289931363609 | 0.48340005914533596 | 0.48340005914533596 | 0.8866169418608427 | 0.7631694790902421 | 0.8061860632212055 | 0.6029455473285238 CUMUL 2014 (octobre 2013 - juin 2014) | 0.6413962516559648 | 0.817553889912292 | 0.9807096761685362 | 0.6867788538472863 | 0.697433405952601 | 0.5368729639483506 | 0.6407396495605463 | 0.612164427712371 | 0.612164427712371 | 0.4817545770664879 | 0.8823880032168031 | 0.636990519763324 | 0.6398812478839627 CUMUL 2013 (octobre 2013 - juin 2013) | 0.6408866754833173 | 0.6174923938387047 | 0.9825142509867323 | 0.6900437438564085 | 0.6478675047411852 | 0.5727900488097408 | 0.6362283792656039 | 0.5012602558546387 | 0.5012602558546387 | 0.9353766878094527 | 0.6105534255063708 | 0.7516646807317586 | 0.6406732766000661 Productivité par employé ('000) TRIM 3 2014 (avril - juin 2014) | 2709.852712069786 | 975.6827297627119 | 1801.840831418956 | 2274.2419354838707 | 2237.2641633424164 | 3608.0478646407323 | 2625.6278751157165 | 3220.0987825563925 | 3220.0987825563925 | 18858.333333333332 | 3171.1555555555556 | 7653.206349206349 | 2787.1366831503274 TRIM 3 2013 (avril - juin 2013) | 2708.618443534558 | 1757.2889783512542 | 1015.2739378794045 | 2017.4709677419355 | 2144.498655198141 | 3143.1670041727316 | 2412.6886225629282 | 3978.1019354385962 | 3978.1019354385962 | 8017.789473684211 | 3277.158469945355 | 4668.2316602316605 | 2510.4884128199205 CUMUL 2014 (octobre 2013 - juin 2014) | 2612.6908763777774 | 1059.8573741069397 | 1790.4172241957867 | 2112.603110209601 | 2082.2370153169427 | 3256.8472624590927 | 2436.882942165624 | 3461.8353583068783 | 3461.8353583068783 | 12730.133333333333 | 3131.703703703704 | 5819.264 | 2556.2485151379965 CUMUL 2013 (octobre 2013 - juin 2013) | 2560.78949801085 | 1372.9309844917254 | 1417.5949555418717 | 1918.7065527065527 | 2065.116615297083 | 2828.609885397436 | 2271.9095539388413 | 3806.646128654971 | 3806.646128654971 | 7051.875555555555 | 3846.7039106145253 | 4793.112860892388 | 2377.0069513974436 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclémars 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2014 | 0.06508621346600958 | 0.04418573445791735 | 0.057586176119218305 | 0.07941688747385343 | 0.07208221332595692 | 0.09779983284353788 | 0.07858629677883652 | 0.09105012540417186 | 0.09105012540417186 | 0.04995848519465114 | 0.045575735651482346 | 0.0476944529390944 | 0.0770043504966324 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 31 mars 2014 | 0.8024438729037784 | 0.8680410699758865 | 0.8556175000210494 | 0.8642042317505231 | 0.8226739076585597 | 0.867688515874981 | 0.8372789252875653 | 0.6933572955349637 | 0.6933572955349637 | 0.8017135969010147 | 0.8418603021583528 | 0.8224525040098215 | 0.8325331064551846 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2014 | 0.05442506855539557 | 0.31478098996230286 | 0.03840148551589591 | 0.006710116679829678 | 0.07211139631435001 | 0.0033657073790817203 | 0.04391860571753089 | 0.10048908499405608 | 0.10048908499405608 | 0 | 0.0718222388237441 | 0.04315207331523513 | 0.046435050386389516 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2014 | 0.4233703882252086 | 0.8827609582159821 | 0.3559013693986774 | 0.7608206604877171 | 0.28886829936273045 | 1.894714995316339 | 0.4741279418708415 | 0.20528726502377548 | 0.20528726502377548 | 0 | 0.5030656185511672 | 0.783522002075555 | 0.46485220722976817 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2014 | 0.11427944531677703 | 0.39601902281196266 | 0.17330211422429537 | 0.009024343318885028 | 0.2849541875247341 | -0.011558919762307654 | 0.10431820963109567 | 0.5397315961211763 | 0.5397315961211763 | -0.1735915505956446 | 0.31552100216610873 | 0.06784920488044699 | 0.11661073969908937 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2014 (janvier - mars 2014) | 0.009550026160036789 | -0.00937151040711154 | -0.01047850009389995 | 0.01942826359963237 | 0.0069249591431309 | 0.02906011203983928 | 0.015072541408737011 | 0.014940139508983591 | 0.014940139508983591 | 0.00258578103666161 | 0.006340200146581622 | 0.004575176685514103 | 0.01440365359604406 TRIM 2 2013 (janvier - mars 2013) | 0.01 | 0.0097 | 0.0226 | 0.0194 | 0.0083 | 0.0194 | 0.0133 | 0.0127 | 0.0127 | 0.0027 | 0.0363 | 0.0186 | 0.0137 CUMUL 2014 (octobre 2013 - mars 2014) | 0.010392318600126956 | -0.00011049232563235361 | -0.0017190810050276254 | 0.020416866742206986 | 0.007683980059401221 | 0.023732268852096464 | 0.014237955481915303 | 0.012544878255944603 | 0.012544878255944603 | 0.009466201696793046 | 0.004563175784588311 | 0.006920080730948116 | 0.013736288290721512 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0099 | 0.0105 | 0.0115 | 0.0198 | 0.0084 | 0.0175 | 0.0127 | 0.0096 | 0.0096 | 0.0041 | 0.0325 | 0.0172 | 0.0129 ROE (rendement de l'avoir des actionn.) TRIM 2 2014 (janvier - mars 2014) | 0.14400119978241888 | -0.1652853779774771 | -0.21895151492264497 | 0.23374718621826626 | 0.09332131407675243 | 0.30152666612404816 | 0.19040952476323533 | 0.15034044954381628 | 0.15034044954381628 | 0.05264348062050563 | 0.14411292835343134 | 0.09776919764631971 | 0.18559614577682676 TRIM 2 2013 (janvier - mars 2013) | 0.1917 | 1.435 | -0.3451 | 0.2411 | 0.1264 | 0.2325 | 0.2053 | 0.1334 | 0.1334 | 0.0691 | 0.739 | 0.4215 | 0.2126 CUMUL 2014 (octobre 2013 - mars 2014) | 0.1622093922262499 | -0.0019287445616628198 | -0.03562488251347787 | 0.24932516566962185 | 0.10553131359326963 | 0.2546154279463448 | 0.1847190814751632 | 0.12874114169093442 | 0.12874114169093442 | 0.20021388019563746 | 0.10159845832024336 | 0.15026839386683535 | 0.18157746446154233 CUMUL 2013 (octobre 2013 - mars 2013) | 0.1807 | 2.071 | -0.1772 | 0.2502 | 0.1286 | 0.2203 | 0.1964 | 0.0977 | 0.0977 | 0.1058 | 0.7056 | 0.4086 | 0.2021 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2014 (janvier - mars 2014) | 0.9275181879691887 | 0.8849406075636684 | 0.9558343093531831 | 0.9250555286068064 | 0.8914698084362648 | 0.9176759708156087 | 0.9135287019121052 | 0.654392189650229 | 0.654392189650229 | 0.9526254762299156 | 0.9842648644166183 | 0.9706954936181297 | 0.9044015282494487 TRIM 2 2013 (janvier - mars 2013) | 0.9676039301635727 | 0.9433458734530036 | 0.9559015760529685 | 0.9473514188172241 | 0.9115702548492304 | 0.9422253469513527 | 0.9391427584153668 | 0.7596464892263273 | 0.7596464892263273 | 0.932232329476876 | 0.9817876114095258 | 0.9651498379062228 | 0.933188130963662 CUMUL 2014 (octobre 2013 - mars 2014) | 0.9298947937296947 | 0.9146926870998514 | 0.9569567994675174 | 0.9267938546864883 | 0.8985916078609463 | 0.918049737557435 | 0.9174321777303901 | 0.6668892755893672 | 0.6668892755893672 | 0.9348980592727527 | 0.983288420964676 | 0.96262275069267 | 0.9089097572852997 CUMUL 2013 (octobre 2013 - mars 2013) | 0.9617065526335528 | 0.9511575049617146 | 0.9552388508386775 | 0.945658906530902 | 0.9094715828570182 | 0.9463297918368263 | 0.938019200481613 | 0.7700805033740993 | 0.7700805033740993 | 0.9292420000927973 | 0.9803887128183588 | 0.9634819684870298 | 0.9325177804530076 Rendement moyen des prêts TRIM 2 2014 (janvier - mars 2014) | 0.07507806082782871 | 0.07374185322572759 | 0.12037614990826055 | 0.12311582048763477 | 0.06555533111522362 | 0.06757127871773796 | 0.0745961555557843 | 0.08248622996883509 | 0.08248622996883509 | 0.08787875098910464 | 0.08200135748986842 | 0.08443857294228052 | 0.07554203671422424 TRIM 2 2013 (janvier - mars 2013) | 0.08 | 0.0817 | 0.1358 | 0.1168 | 0.0649 | 0.063 | 0.0738 | 0.0842 | 0.0842 | 0.0791 | 0.1175 | 0.1019 | 0.0761 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0757323559560027 | 0.08571300956119571 | 0.13820232406247224 | 0.12241812321290707 | 0.06734761526219836 | 0.06739640737751931 | 0.07589646533700663 | 0.07876580744499925 | 0.07876580744499925 | 0.09829059089116235 | 0.08162443781371893 | 0.0880343086983738 | 0.07672845239347538 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0893 | 0.093 | 0.1348 | 0.1195 | 0.065 | 0.0627 | 0.0756 | 0.0834 | 0.0834 | 0.0741 | 0.1137 | 0.0971 | 0.0774 Rendement moyen des prêts productifs TRIM 2 2014 (janvier - mars 2014) | 0.07942183742135307 | 0.10387979225175298 | 0.1269040022406348 | 0.1238550402818438 | 0.07011200592210948 | 0.0677775999605375 | 0.07782785233866715 | 0.0919243803448651 | 0.0919243803448651 | 0.08787875098910464 | 0.08919161422469289 | 0.08862023995619532 | 0.07906488003982544 TRIM 2 2013 (janvier - mars 2013) | 0.0815 | 0.1171 | 0.1373 | 0.1177 | 0.066 | 0.0632 | 0.0753 | 0.0938 | 0.0938 | 0.0791 | 0.1308 | 0.1085 | 0.0781 CUMUL 2014 (octobre 2013 - mars 2014) | 0.07868543477135646 | 0.12739628935586172 | 0.15149804601874925 | 0.12325561729986595 | 0.07019898197011834 | 0.06757347774823672 | 0.07841849230362784 | 0.08618601807677369 | 0.08618601807677369 | 0.09927320802758871 | 0.08836895877246174 | 0.09274337932141483 | 0.07955890038319643 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0911 | 0.1338 | 0.1373 | 0.1203 | 0.0661 | 0.0628 | 0.077 | 0.0918 | 0.0918 | 0.0741 | 0.1277 | 0.1037 | 0.0794 Rémunération moyenne des dépôts TRIM 2 2014 (janvier - mars 2014) | 0.0022281779553125084 | 0.004873067972453534 | 0.0024552460812381103 | 0.005044900126702525 | 0.004229886272634966 | 0.002524481197700391 | 0.0031572463727636995 | 0.030359850224953095 | 0.030359850224953095 | 0.0015911492785004994 | 0.0006242919268011547 | 0.0010787871490298136 | 0.003594420053189268 TRIM 2 2013 (janvier - mars 2013) | 0.0008 | 0.0035 | 0.0027 | 0.0035 | 0.0034 | 0.0017 | 0.0021 | 0.0181 | 0.0181 | 0.0017 | 0.0011 | 0.0014 | 0.0024 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0022449950692803684 | 0.0042814983409671875 | 0.0026147942766082534 | 0.0048765385202920895 | 0.003948125682052602 | 0.0025049786252711137 | 0.0030517693627513253 | 0.027269274855116724 | 0.027269274855116724 | 0.0021762948743712 | 0.0006675822975115974 | 0.001378342642276887 | 0.003451006046199966 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0015 | 0.0021 | 0.0172 | 0.0172 | 0.0017 | 0.0012 | 0.0015 | 0.0023 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2014 (janvier - mars 2014) | 0.7023338620043865 | 0.8347920738778455 | 1.103823405632522 | 0.7171561782595318 | 0.7316862155091262 | 0.5215869819847087 | 0.6613419425031223 | 0.57742053302737 | 0.57742053302737 | 0.4939800359542057 | 0.8511851142889314 | 0.6570822622107969 | 0.6590814416023064 TRIM 2 2013 (janvier - mars 2013) | 0.6378065026846498 | 0.6755597585907235 | 0.767566282814592 | 0.715894885469409 | 0.6802565878693533 | 0.5818393180426656 | 0.6468844681148346 | 0.5083273523629672 | 0.5083273523629672 | 0.8998143829422683 | 0.4829612455779186 | 0.6440628084782862 | 0.6435223534485189 CUMUL 2014 (octobre 2013 - mars 2014) | 0.6651584146224413 | 0.7890901515774374 | 0.9672494283562587 | 0.7041927036898277 | 0.7145745663899689 | 0.5574014052117194 | 0.6600151750246959 | 0.60593923064633 | 0.60593923064633 | 0.65577319524936 | 0.8557758910017924 | 0.7477601156069364 | 0.6642321984245352 CUMUL 2013 (octobre 2013 - mars 2013) | 0.6650702236273768 | 0.6940672640466446 | 0.8446362848246312 | 0.696055224577671 | 0.6821596140342214 | 0.5971763698886624 | 0.6586939299995481 | 0.5108075878296067 | 0.5108075878296067 | 0.8985716039782262 | 0.5481186389805998 | 0.6883009724632462 | 0.6572077655392679 Productivité par employé ('000) TRIM 2 2014 (janvier - mars 2014) | 2343.8794197685947 | 1023.7078198601398 | 1710.791587469965 | 2030.1741741741741 | 2058.8034931017014 | 3322.5586378857956 | 2387.7631481223266 | 3691.8160024427475 | 3691.8160024427475 | 8672 | 3140.243093922652 | 4806.177606177606 | 2485.3635727736846 TRIM 2 2013 (janvier - mars 2013) | 2525.21 | 1157.4 | 1823.18 | 1890.64 | 2095.3 | 2855.38 | 2293.74 | 3749.99 | 3749.99 | 6548.88 | 4350.7 | 4999.2 | 2405.87 CUMUL 2014 (octobre 2013 - mars 2014) | 2476.6595885194374 | 1133.4299763380282 | 1800.4817211858658 | 1996.516 | 2001.2136067905283 | 3066.824764128181 | 2323.7690570086183 | 3521.20250944 | 3521.20250944 | 8654.78947368421 | 3111.9777777777776 | 4757.5 | 2418.6504792777387 CUMUL 2013 (octobre 2013 - mars 2013) | 2457.12 | 1177.57 | 1598.98 | 1883.84 | 2033.69 | 2726.32 | 2212.87 | 3720.92 | 3720.92 | 6346.23 | 4072.11 | 4753.46 | 2319.94 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclédéc. 13 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2013 | 0.06756273498718765 | 0.06987351784593303 | 0.03770170709237968 | 0.0870135131079675 | 0.07636450325518582 | 0.09487612237598875 | 0.07974846780641365 | 0.10871970751419446 | 0.10871970751419446 | 0.04827264032561701 | 0.042455281044486384 | 0.04521781241018626 | 0.07822902880947961 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 31 décembre 2013 | 0.8117420239083275 | 0.8662815810350329 | 0.8820243519796762 | 0.8524718775522453 | 0.7972498069705379 | 0.8658969875930865 | 0.8308793810337939 | 0.6563314665509591 | 0.6563314665509591 | 0.7954428260922484 | 0.8147346034511499 | 0.8055733779743377 | 0.8249857687518566 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2013 | 0.0549588148735503 | 0.265203961110005 | 0.06528125303348466 | 0.005208599663825625 | 0.05798568115084276 | 0.002710543592300367 | 0.039102626496680296 | 0.10501826389970001 | 0.10501826389970001 | 0 | 0.08952756527635604 | 0.051067973089693096 | 0.04265788229027242 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2013 | 0.2996864383311242 | 0.8820343312270964 | 0.20196535145315178 | 1.1628201575551245 | 0.2870974822167787 | 2.0359016327263086 | 0.4375677827321229 | 0.20081171778993706 | 0.20081171778993706 | #DIV/0! | 0.4285063134007021 | 0.47359718369959464 | 0.4154185174472904 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2013 | 0.13674048326773747 | 0.2211696638111108 | 0.5482128809295178 | -0.004474913069400864 | 0.224060811280408 | -0.011293756854838055 | 0.0998242983077997 | 0.4965043069888507 | 0.4965043069888507 | -0.03579553547026149 | 0.4664890816904084 | 0.2118513748219269 | 0.11746019600354837 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199019 TRIM 1 2013 (octobre - décembre 2012) | 0.0085 | 0.0117 | 0.0007 | 0.0202 | 0.0082 | 0.0164 | 0.0116 | 0.0055 | 0.0055 | 0.0061 | 0.0282 | 0.0168 | 0.0117 CUMUL 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199019 CUMUL 2013 (octobre - décembre 2012) | 0.0085 | 0.0117 | 0.0007 | 0.0202 | 0.0082 | 0.0164 | 0.0116 | 0.0055 | 0.0055 | 0.0061 | 0.0282 | 0.0168 | 0.0117 ROE (rendement de l'avoir des actionn.) TRIM 1 2014 (octobre - décembre 2013) | 0.17442378768489986 | 0.1368176887755292 | 0.19811700250644249 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444068879312 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.1741323171569377 TRIM 1 2013 (octobre - décembre 2012) | 0.1689 | 2.2983 | -0.0094 | 0.2516 | 0.1247 | 0.1912 | 0.1775 | 0.0585 | 0.0585 | 0.1437 | 0.6301 | 0.3836 | 0.1816 CUMUL 2014 (octobre - décembre 2013) | 0.17442378768489986 | 0.1368176887755292 | 0.19811700250644249 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444068879312 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.1741323171569377 CUMUL 2013 (octobre - décembre 2012) | 0.1689 | 2.2983 | -0.0094 | 0.2516 | 0.1247 | 0.1912 | 0.1775 | 0.0585 | 0.0585 | 0.1437 | 0.6301 | 0.3836 | 0.1816 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 TRIM 1 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.925931960375391 | 0.9789136778687753 | 0.9616948721750366 | 0.9318060572362425 CUMUL 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 CUMUL 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.925931960375391 | 0.9789136778687753 | 0.9616948721750366 | 0.9318060572362425 Rendement moyen des prêts TRIM 1 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 TRIM 1 2013 (octobre - décembre 2012) | 0.0962 | 0.1039 | 0.1334 | 0.1178 | 0.0616 | 0.0649 | 0.0762 | 0.082 | 0.082 | 0.0781 | 0.1098 | 0.097 | 0.0779 CUMUL 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 CUMUL 2013 (octobre - décembre 2012) | 0.0962 | 0.1039 | 0.1334 | 0.1178 | 0.0616 | 0.0649 | 0.0762 | 0.082 | 0.082 | 0.0781 | 0.1098 | 0.097 | 0.0779 Rendement moyen des prêts productifs TRIM 1 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 TRIM 1 2013 (octobre - décembre 2012) | 0.0982 | 0.149 | 0.136 | 0.1187 | 0.0625 | 0.0651 | 0.0776 | 0.0883 | 0.0883 | 0.0781 | 0.1246 | 0.1044 | 0.0798 CUMUL 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 CUMUL 2013 (octobre - décembre 2012) | 0.0982 | 0.149 | 0.136 | 0.1187 | 0.0625 | 0.0651 | 0.0776 | 0.0883 | 0.0883 | 0.0781 | 0.1246 | 0.1044 | 0.0798 Rémunération moyenne des dépôts TRIM 1 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 TRIM 1 2013 (octobre - décembre 2012) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0019 | 0.0013 | 0.0016 | 0.0023 CUMUL 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 CUMUL 2013 (octobre - décembre 2012) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0019 | 0.0013 | 0.0016 | 0.0023 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 TRIM 1 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.897246837583711 | 0.6265042859375564 | 0.7390012015936926 | 0.6722430209787185 CUMUL 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 CUMUL 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.897246837583711 | 0.6265042859375564 | 0.7390012015936926 | 0.6722430209787185 Productivité par employé ('000) TRIM 1 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 TRIM 1 2013 (octobre - décembre 2012) | 2338.98 | 1185.27 | 1402.83 | 1829.35 | 1957.11 | 2597.12 | 2100.09 | 3691.84 | 3691.84 | 6224.42 | 3696.84 | 4447.22 | 2201.19 CUMUL 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 CUMUL 2013 (octobre - décembre 2012) | 2238.98 | 1185.27 | 1402.83 | 1829.35 | 1957.11 | 2597.12 | 2100.09 | 3691.84 | 3691.84 | 6224.42 | 3696.84 | 4447.22 | 2201.19 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [bilsysbansept. 20] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 4249157 | 330561.74611 | 1540154.2400953462 | 1211723 | 4213513.0541900005 | 4617784.8657031525 | 16162893.906098498 | 45626.62983 | 45626.62983 | 83019 | 83019 | 16291539.535928499 Avoirs à la BRH | 23301324.5 | 1216271.97785 | 10273166.67950391 | 9661511 | 32015278.25152 | 45065996.25738363 | 121533548.66625755 | 973212.7014599999 | 973212.7014599999 | 2384397 | 2384397 | 124891158.36771755 Avoirs à l'étranger | 1562932 | 0 | 472681.1237459701 | 3569413 | 7111476.047150001 | 8704248.558392948 | 21420750.72928892 | 0 | 0 | 751281 | 751281 | 22172031.72928892 Avoirs dans les banques locales | 0 | 0 | 79020.44975303201 | 11484 | 20005.81 | 0 | 110510.259753032 | 130120.88674000002 | 130120.88674000002 | 0 | 0 | 240631.14649303202 Autres liquidités | 322805.1 | 25746.419 | 648568.905743564 | 148428 | 72103.76637 | 768548.975584686 | 1986201.16669825 | 71322.52186000001 | 71322.52186000001 | 48949 | 48949 | 2106472.6885582497 29436218.6 | 1572580.1429599999 | 13013591.398841823 | 14602559 | 43432376.929230005 | 59156578.657064416 | 161213904.72809625 | 1220282.7398899999 | 1220282.7398899999 | 3267646 | 3267646 | 165701833.46798626 Bons B.R.H. | 0 | 0 | 0 | 0 | 4050000 | 0 | 4050000 | 0 | 0 | 0 | 0 | 4050000 Bons du Trésor / M.E.F. | 19250000 | 1402000 | 0 | 0 | 0 | 3300000 | 23952000 | 0 | 0 | 0 | 0 | 23952000 Autres Placements | 9473755.099999998 | 100000 | 2100767.987065756 | 2454546 | 13153058.77161 | 22023226.652763538 | 49305354.51143929 | 745023.96046 | 745023.96046 | 0 | 0 | 50050378.47189929 Portefeuille net | 22573390.35592 | 167934.05005000002 | 12316507.917750105 | 7960739 | 28782480.1563 | 31336763.096040003 | 103137814.57606012 | 4134099.53656 | 4134099.53656 | 347901 | 347901 | 107619815.11262012 Immobilisations | 2342234.59738 | 345133.09933999996 | 1021305.5977999999 | 826915 | 4508152.79164 | 2871992.87664 | 11915733.9628 | 767647.23477 | 767647.23477 | 290909 | 290909 | 12974290.19757 Autres actifs | 2174766 | 706499.39696 | 411058.26110104204 | 354643 | 3717661.25549 | 2267644.210743792 | 9632272.124294834 | 870884.8938000001 | 870884.8938000001 | 39732 | 39732 | 10542889.018094834 85250364.6533 | 4294146.689309999 | 28863231.162558727 | 26199402 | 97643729.90427001 | 120956205.49325176 | 363207079.9026905 | 7737938.365479999 | 7737938.365479999 | 3946188 | 3946188 | 374891206.26817054 PASSIF Dépôts À vue | 30626438 | 1655858.25046 | 9302218.188062876 | 8463608 | 34366010.2928259 | 44194623.05245058 | 128608755.78379937 | 1786680.5859299998 | 1786680.5859299998 | 2550463 | 2550463 | 132945899.36972937 Épargne | 20830883 | 430073.66489 | 4265557.385238585 | 4863012 | 25812253.94268559 | 40334588.144952476 | 96536368.13776664 | 617173.14228 | 617173.14228 | 400600 | 400600 | 97554141.28004664 À terme | 9974030.5 | 1414493.8344200002 | 8320459.840798957 | 7210253 | 15937603.261680763 | 18268271.05466571 | 61125111.491565436 | 1971299.91882 | 1971299.91882 | 4257 | 4257 | 63100668.41038544 61431351.5 | 3500425.74977 | 21888235.414100416 | 20536873 | 76115867.49719225 | 102797482.25206877 | 286270235.4131315 | 4375153.64703 | 4375153.64703 | 2955320 | 2955320 | 293600709.0601615 Obligations à vue Banques locales | 0 | 0 | 400000 | 0 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2970516.2 | 140084.68306 | 1141504.089839935 | 879398 | 4934112.777519999 | 2886431.6421956066 | 12952047.39261554 | 238151.85418 | 238151.85418 | 471970 | 471970 | 13662169.24679554 2970516.2 | 140084.68306 | 1541504.089839935 | 879398 | 4934112.777519999 | 2886431.6421956066 | 13352047.39261554 | 238151.85418 | 238151.85418 | 471970 | 471970 | 14062169.24679554 Obligations à terme Banques locales | 7456296 | 0 | 2037392.32386 | 623152 | 5034091.11166 | 2260374.18273 | 17411305.61825 | 1738551.7711500002 | 1738551.7711500002 | 0 | 0 | 19149857.3894 Banque à l'étranger | 0 | 0 | 0 | 0 | 429.41413 | 0 | 429.41413 | 3713.0963899999997 | 3713.0963899999997 | 0 | 0 | 4142.51052 Autres | 4200423 | 939642.21263 | 230228.060643122 | 83835 | 703471.46983 | 614209.212395713 | 6771808.955498834 | 314208.01317 | 314208.01317 | 78501 | 78501 | 7164517.968668834 11656719 | 939642.21263 | 2267620.384503122 | 706987 | 5737991.99562 | 2874583.395125713 | 24183543.987878833 | 2056472.8807100002 | 2056472.8807100002 | 78501 | 78501 | 26318517.868588835 Autres passifs | 1016434 | 20720.91663 | 237937.39014655672 | 660386 | 2764988.6704599997 | 1215810.4429473171 | 5916277.420183873 | 190886.39661999998 | 190886.39661999998 | 0 | 0 | 6107163.816803873 77075020.7 | 4600873.56209 | 25935297.27859003 | 22783644 | 89552960.94079225 | 109774307.73233742 | 329722104.21380967 | 6860664.778539999 | 6860664.778539999 | 3505791 | 3505791 | 340088559.9923497 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 727062.76157 | 810000 | 3000000 | 6323450 | 14025512.76157 | 300000 | 300000 | 103837 | 103837 | 14429349.76157 Réserves | 1148549 | 126300.688 | 222839.40772999998 | 364408 | 1465069.6438699998 | 2083872.4036499998 | 5411039.14325 | 395392.36360000004 | 395392.36360000004 | 59288 | 59288 | 5865719.50685 Réserves (Prov. Pour pertes sur prêts) | 228000 | 0 | 0 | 0 | 0 | 0 | 228000 | 0 | 0 | 0 | 0 | 228000 Surplus d'apport | 0 | 174325 | 1162451.9122300001 | 1384 | 0 | 0 | 1338160.9122300001 | 0 | 0 | 0 | 0 | 1338160.9122300001 BNR | 3798795 | -772352.56078 | 815579.80244 | 2239966 | 3625699.3197100074 | 2774575.35756 | 12482262.918930007 | 181881.22316999998 | 181881.22316999998 | 277272 | 277272 | 12941416.142100006 8175344 | -306726.8727800001 | 2927933.88397 | 3415758 | 8090768.963580007 | 11181897.76121 | 33484975.73598001 | 877273.58677 | 877273.58677 | 440397 | 440397 | 34802646.32275 85250364.7 | 4294146.68931 | 28863231.16256003 | 26199402 | 97643729.90437226 | 120956205.49354741 | 363207079.9497898 | 7737938.365309999 | 7737938.365309999 | 3946188 | 3946188 | 374891206.3150997 Hors-bilan Effets à l'encaissement | 820292.2 | 0 | 0 | 0 | 19878.62198 | 2809.6125314 | 842980.4345114001 | 0 | 0 | 0 | 0 | 842980.4345114001 Crédit documentaire | 0 | 0 | 0 | 0 | 1163260.8931000002 | 1009052.0499766741 | 2172312.9430766744 | 0 | 0 | 0 | 0 | 2172312.9430766744 Autres | 3804475.364544665 | 228705.636893397 | 1429968.6171458 | 244796 | 7004151.97447 | 1199427.898695145 | 13911525.491749007 | 391390.95843999996 | 391390.95843999996 | 614449.38489 | 614449.38489 | 14917365.835079007 Portefeuille brut | 24617832.35592 | 1079006.16982 | 12745795.158740086 | 8254331 | 30146159.48482 | 32150119.625540003 | 108993243.79484008 | 4325559.46284 | 4325559.46284 | 347901 | 347901 | 113666704.25768009 Provisions pour créances douteuses | 2044442 | 911072.11977 | 429287.24098998134 | 293592 | 1363679.32852 | 813356.5295 | 5855429.218779981 | 191459.92628 | 191459.92628 | 0 | 0 | 6046889.145059981 Portefeuille de crédit improductif | 3214044 | 883299.525738375 | 141882.83373491102 | 62855 | 733259 | 236542.11956 | 5271882.479033286 | 467045.83762000006 | 467045.83762000006 | 0 | 0 | 5738928.316653286 Dépôts US convertis | 36013707 | 2368688.90766 | 21574269.326940157 | 23349153 | 76553000.91412212 | 111841687.02080046 | 271700506.16952276 | 5140174.9410500005 | 5140174.9410500005 | 3481039 | 3481039 | 280321720.11057276 Immobilisation /A | 0.2864998215830429 | -1.1252131129297782 | 0.34881443306882554 | 0.242088286113946 | 0.5571970738421915 | 0.25684306349168584 | 0.3558531461020711 | 0.8750374413942758 | 0.8750374413942758 | 0.6605608121762864 | 0.6605608121762864 | 0.372796082149905 Liquidité en % de l'actif | 0.5710968955734007 | 0.6927057592990535 | 0.45087091343130714 | 0.5573623016281058 | 0.48628188390367477 | 0.5163569607889933 | 0.5209587455695811 | 0.15770127419647692 | 0.15770127419647692 | 0.8280512737862463 | 0.8280512737862463 | 0.5166934572731063 Liquidité en % des dépôts | 0.7925304817687432 | 0.8497766716392852 | 0.5945473060134605 | 0.7110410138875572 | 0.6238170632553262 | 0.6075691475002784 | 0.6609695361972541 | 0.2789119739185316 | 0.2789119739185316 | 1.1056826333527334 | 1.1056826333527334 | 0.6597526078463747 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 59156578.657064416 | SOGEBK | 4050000 | UNIBK | 31336763.096040003 | UNIBK | 11181897.76121 SOGEBK | 43432376.929230005 | BNC | 0 | SOGEBK | 28782480.1563 | BNC | 8175344 BNC | 29436218.6 | UNIBK | 0 | BNC | 22573390.35592 | SOGEBK | 8090768.963580007 CAPITALBK | 14602559 | BPH | 0 | BUH | 12316507.917750105 | CAPITALBK | 3415758 BUH | 13013591.398841823 | BUH | 0 | CAPITALBK | 7960739 | BUH | 2927933.88397 CBNA | 3267646 | CAPITALBK | 0 | SOGEBL | 4134099.53656 | SOGEBL | 877273.58677 BPH | 1572580.1429599999 | CBNA | 0 | CBNA | 347901 | CBNA | 440397 SOGEBL | 1220282.7398899999 | SOGEBL | 0 | BPH | 167934.05005000002 | BPH | -306726.8727800001 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 20 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6705846 | 510099.43383 | 1038674.7178146841 | 1324531 | 3854821.6278999997 | 3990220.168851373 | 17424192.948396057 | 70011.04815 | 70011.04815 | 80538 | 80538 | 17574741.996546056 Avoirs à la BRH | 25821495 | 1537694.2832900002 | 14244940.292223778 | 12832022 | 48328263.235209994 | 66264967.339926034 | 169029382.15064982 | 1300007.31888 | 1300007.31888 | 3839642 | 3839642 | 174169031.4695298 Avoirs à l'étranger | 2499662 | 0 | 2242484.118473841 | 5916290 | 8790641.41773 | 14629545.453478722 | 34078622.98968256 | 0 | 0 | 461458 | 461458 | 34540080.98968256 Avoirs dans les banques locales | 0 | 0 | 56973.07296798201 | 10438 | 42416.175 | 0 | 109827.24796798201 | 96719.76277 | 96719.76277 | 0 | 0 | 206547.010737982 Autres liquidités | 252973 | 49092.88003 | 3834.378419367 | 252127 | 72629.68746 | 1807308.524862009 | 2437965.470771376 | 19663.24009 | 19663.24009 | 102936 | 102936 | 2560564.710861376 35279976 | 2096886.5971500003 | 17586906.57989965 | 20335408 | 61088772.14329999 | 86692041.48711814 | 223079990.8074678 | 1486401.3698899997 | 1486401.3698899997 | 4484574 | 4484574 | 229050966.1773578 Bons B.R.H. | 6250000 | 591000 | 0 | 0 | 1150000 | 700000 | 8691000 | 0 | 0 | 0 | 0 | 8691000 Bons du Trésor / M.E.F. | 11200000 | 1022000 | 0 | 0 | 0 | 3200000 | 15422000 | 0 | 0 | 0 | 0 | 15422000 Autres Placements | 15482053.7 | 0 | 1477428.5341915528 | 2949447 | 24585371.000829995 | 30113313.473820463 | 74607613.70884201 | 690861.21273 | 690861.21273 | 0 | 0 | 75298474.92157201 Portefeuille net | 23153999 | 521825.8038 | 15523372.238962563 | 10755330 | 34525290.91696001 | 39132509.671160005 | 123612327.63088259 | 5293255.7954400005 | 5293255.7954400005 | 491544 | 491544 | 129397127.4263226 Immobilisations | 2315853.82957 | 346100.119 | 1016837.3531599999 | 829430 | 2964273.2938 | 2796458.69355 | 10268953.28908 | 651716.62703 | 651716.62703 | 296412 | 296412 | 11217081.91611 Autres actifs | 2212320 | 1038265.9839999999 | 398276.1636587373 | 690115 | 5455522.977029999 | 2503831.596826054 | 12298331.721514791 | 1571018.1404 | 1571018.1404 | 21555 | 21555 | 13890904.861914791 95894202.52957 | 5616078.503950001 | 36002820.8698725 | 35559730 | 129769230.33191998 | 165138154.92247465 | 467980217.1577872 | 9693253.14549 | 9693253.14549 | 5294085 | 5294085 | 482967555.3032772 PASSIF Dépôts À vue | 36558392 | 2351493.80142 | 11570138.630378688 | 11912476 | 48802297.57313192 | 59379935.80913526 | 170574733.81406587 | 2569736.4527299996 | 2569736.4527299996 | 3221579 | 3221579 | 176366049.26679587 Épargne | 24277053 | 562387.44738 | 5415970.56163808 | 6668479 | 34874777.690899506 | 54597523.755666494 | 126396191.45558408 | 861817.0721199999 | 861817.0721199999 | 694955 | 694955 | 127952963.52770407 À terme | 13043465 | 1932603.0099799999 | 11959572.850028865 | 10764480 | 23988193.938111547 | 27078903.43809535 | 88767218.23621576 | 3129995.18319 | 3129995.18319 | 4256 | 4256 | 91901469.41940576 73878910 | 4846484.25878 | 28945682.04204563 | 29345435 | 107665269.20214297 | 141056363.0028971 | 385738143.50586575 | 6561548.708039999 | 6561548.708039999 | 3920790 | 3920790 | 396220482.2139057 Obligations à vue Banques locales | 0 | 0 | 300000 | 0 | 0 | 0 | 300000 | 0 | 0 | 0 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2791197.5 | 149136.24042 | 1391485.8109881813 | 1155698 | 4603877.526079999 | 4160825.239728064 | 14252220.317216244 | 185009.17542 | 185009.17542 | 821434 | 821434 | 15258663.492636243 2791197.5 | 149136.24042 | 1691485.8109881813 | 1155698 | 4603877.526079999 | 4160825.239728064 | 14552220.317216244 | 185009.17542 | 185009.17542 | 821434 | 821434 | 15558663.492636243 Obligations à terme Banques locales | 5167473 | 0 | 2085749.62557 | 590349 | 5062614.20714 | 4109846.3398700003 | 17016032.17258 | 1718044.49071 | 1718044.49071 | 0 | 0 | 18734076.66329 Banque à l'étranger | 0 | 0 | 0 | 0 | 736.44127 | 0 | 736.44127 | 5665.665 | 5665.665 | 0 | 0 | 6402.10627 Autres | 4787717 | 929679.47653 | 173580.32458550198 | 130508 | 1243095.98073 | 1939963.159711875 | 9204543.941557378 | 352935.66617 | 352935.66617 | 105411 | 105411 | 9662890.607727377 9955190 | 929679.47653 | 2259329.9501555017 | 720857 | 6306446.62914 | 6049809.499581875 | 26221312.55540738 | 2076645.8218800002 | 2076645.8218800002 | 105411 | 105411 | 28403369.37728738 Autres passifs | 1047021 | 21695.65265 | 349577.696580012 | 1140518 | 3402257.8555199997 | 2072495.57448897 | 8033565.779238982 | 141499.95392 | 141499.95392 | 0 | 0 | 8175065.733158982 87672318.5 | 5946995.628379999 | 33246075.499769323 | 32362508 | 121977851.21288297 | 153339493.31669602 | 434545242.1577283 | 8964703.65926 | 8964703.65926 | 4847635 | 4847635 | 448357580.8169883 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 727340.26157 | 810000 | 3000000 | 6398450 | 14100790.26157 | 300000 | 300000 | 103837 | 103837 | 14504627.26157 Réserves | 1148548 | 126300.688 | 216699.57184 | 355156 | 958280.3455399999 | 2083232.24989 | 4888216.85527 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 5209110.1446 Réserves (Prov. Pour pertes sur prêts) | 1620018 | 0 | 0 | 0 | 0 | 0 | 1620018 | 0 | 0 | 0 | 0 | 1620018 Surplus d'apport | 0 | 104325 | 1164266.7538800002 | 1384 | 0 | 0 | 1269975.7538800002 | 0 | 0 | 0 | 0 | 1269975.7538800002 BNR | 2453318 | -726542.81244 | 648438.7829100001 | 2030682 | 3833098.7735599964 | 3316979.35932 | 11555974.103349997 | 166944.19687 | 166944.19687 | 283325 | 283325 | 12006243.300219996 8221884 | -330917.12444000004 | 2756745.3702000002 | 3197222 | 7791379.119099997 | 11798661.60921 | 33434974.974069998 | 728549.4861999999 | 728549.4861999999 | 446450 | 446450 | 34609974.460269995 95894202.5 | 5616078.503939998 | 36002820.86996932 | 35559730 | 129769230.33198297 | 165138154.925906 | 467980217.1317984 | 9693253.145459998 | 9693253.145459998 | 5294085 | 5294085 | 482967555.27725834 Hors-bilan Effets à l'encaissement | 1410058 | 0 | 0 | 0 | 11435.41373 | 234.099873905 | 1421727.513603905 | 0 | 0 | 0 | 0 | 1421727.513603905 Crédit documentaire | 211946 | 0 | 0 | 0 | 2114591.22562 | 1617003.477455793 | 3943540.703075793 | 0 | 0 | 0 | 0 | 3943540.703075793 Autres | 8293817 | 227969.70310999997 | 1789185.436472847 | 349138 | 9294164.66802 | 1424670.682867292 | 21378945.490470137 | 507411.65949999995 | 507411.65949999995 | 0 | 0 | 21886357.149970137 Portefeuille brut | 24894187 | 1437386.0583 | 16125823.487461168 | 11057646 | 36394769.769250005 | 40325295.26905 | 130235107.58406118 | 5525516.962850001 | 5525516.962850001 | 491544 | 491544 | 136252168.54691118 Provisions pour créances douteuses | 1740188 | 915560.2544999999 | 602451.2484986051 | 302316 | 1869478.85229 | 1192785.59789 | 6622779.953178605 | 232261.16741 | 232261.16741 | 0 | 0 | 6855041.120588605 Portefeuille de crédit improductif | 6998938 | 1190105.2352672191 | 400065.55342508695 | 149937 | 1210055 | 403256.72712 | 10352357.515812308 | 532988 | 532988 | 0 | 0 | 10885345.515812308 Dépôts US convertis | 23541423.5 | 1804778.8648800002 | 13351901.36486042 | 13861977 | 48146411.06139225 | 65796994.96058878 | 166503486.75172144 | 3187927.4847999997 | 3187927.4847999997 | 2110639 | 2110639 | 171802053.23652145 Immobilisation /A | 0.28166948470326264 | -1.0458815619943924 | 0.3688542888842247 | 0.2594220857982336 | 0.38045553277381927 | 0.23701490780675435 | 0.3071320764272722 | 0.894539958334542 | 0.894539958334542 | 0.663931011311457 | 0.663931011311457 | 0.3240996877644762 Liquidité en % de l'actif | 0.5498765786569856 | 0.660583108754747 | 0.48848690616397056 | 0.5718662093328605 | 0.4796111681028504 | 0.5485833454397456 | 0.5282124793837655 | 0.15334391329515426 | 0.15334391329515426 | 0.8470914237304463 | 0.8470914237304463 | 0.524184209472176 Liquidité en % des dépôts | 0.71373516474458 | 0.7654799642501854 | 0.6075830776539809 | 0.6929666573352892 | 0.5780765942863698 | 0.6422400206452048 | 0.6408310792414773 | 0.22653209417902848 | 0.22653209417902848 | 1.1437934701935069 | 1.1437934701935069 | 0.638947196174183 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 86692041.48711814 | BNC | 6250000 | UNIBK | 39132509.671160005 | UNIBK | 11798661.60921 SOGEBK | 61088772.14329999 | SOGEBK | 1150000 | SOGEBK | 34525290.91696001 | BNC | 8221884 BNC | 35279976 | UNIBK | 700000 | BNC | 23153999 | SOGEBK | 7791379.119099997 CAPITALBK | 20335408 | BPH | 591000 | BUH | 15523372.238962563 | CAPITALBK | 3197222 BUH | 17586906.57989965 | BUH | 0 | CAPITALBK | 10755330 | BUH | 2756745.3702000002 CBNA | 4484574 | CAPITALBK | 0 | SOGEBL | 5293255.7954400005 | SOGEBL | 728549.4861999999 BPH | 2096886.5971500003 | CBNA | 0 | BPH | 521825.8038 | CBNA | 446450 SOGEBL | 1486401.3698899997 | SOGEBL | 0 | CBNA | 491544 | BPH | -330917.12444000004 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbamars 20 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2020 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7776647.6 | 307528.80507 | 1012087.8492968641 | 994217 | 3377509.92953 | 3473532.274444528 | 16941523.45834139 | 28687.53374 | 28687.53374 | 72580 | 72580 | 17042790.99208139 Avoirs à la BRH | 24610577.28 | 1865114.3940499998 | 10178311.01284821 | 10555566 | 41671302.48884 | 54086808.92859341 | 142967680.1043316 | 1156048.25308 | 1156048.25308 | 3690840 | 3690840 | 147814568.35741162 Avoirs à l'étranger | 1811850.53 | 792.67539 | 1282809.24243768 | 3439666 | 5405934.331990001 | 12220400.784237327 | 24161453.56405501 | 0 | 0 | 1329082 | 1329082 | 25490535.56405501 Avoirs dans les banques locales | 0 | 0 | 55946.16833211201 | 9967 | 11223.04 | 0 | 77136.208332112 | 195634.65436 | 195634.65436 | 0 | 0 | 272770.862692112 Autres liquidités | 293899.25 | 32114.35076 | 18182.5028212 | 331243 | 114321.06595000002 | 774728.70447612 | 1564488.87400732 | 105115.48004 | 105115.48004 | 54849 | 54849 | 1724453.35404732 34492974.660000004 | 2205550.22527 | 12547336.775736064 | 15330659 | 50580290.85631 | 70555470.69175139 | 185712282.20906743 | 1485485.9212200001 | 1485485.9212200001 | 5147351 | 5147351 | 192345119.1302875 Bons B.R.H. | 6350000 | 754000 | 599700 | 200000 | 2400000 | 3400000 | 13703700 | 0 | 0 | 0 | 0 | 13703700 Bons du Trésor / M.E.F. | 9200000 | 401000 | 0 | 0 | 0 | 1700000 | 11301000 | 0 | 0 | 0 | 0 | 11301000 Autres Placements | 12255856.3 | 0 | 608948.6497838618 | 2080192 | 21040166.725150004 | 28084751.92451871 | 64069915.59945257 | 983064.94456 | 983064.94456 | 0 | 0 | 65052980.54401257 Portefeuille net | 21515500.900000002 | 690378.5185499999 | 14611906.309788024 | 10865072 | 31712103.112940002 | 35962296.2653 | 115357257.10657802 | 4859412.630299999 | 4859412.630299999 | 668207 | 668207 | 120884876.73687802 Immobilisations | 2280409.66876 | 348079.55078 | 1015424.75721 | 789170 | 3082839.2359100003 | 2783113.95739 | 10299037.170049999 | 628202.35713 | 628202.35713 | 291474 | 291474 | 11218713.52718 Autres actifs | 2143863.1799999997 | 649148.56492 | 391764.72360745596 | 568612 | 5377338.09899 | 3150172.960011396 | 12280899.527528852 | 1066408.02637 | 1066408.02637 | 35487 | 35487 | 13382794.553898852 88238604.70876002 | 5048156.8595199995 | 29775081.216125403 | 29833705 | 114192738.02929999 | 145635805.7989715 | 412724091.612677 | 9022573.87958 | 9022573.87958 | 6142519 | 6142519 | 427889184.492257 PASSIF Dépôts À vue | 33183659 | 2019952.5003 | 9147393.753796978 | 9755711 | 40764134.36102999 | 53414186.628390744 | 148285037.2435177 | 2150831.14615 | 2150831.14615 | 4211896 | 4211896 | 154647764.3896677 Épargne | 22574142.6 | 502381.67238999996 | 4523438.91383672 | 5870244 | 30253888.943820003 | 47342816.10248767 | 111066912.2325344 | 744707.1617200001 | 744707.1617200001 | 563043 | 563043 | 112374662.39425439 À terme | 11819613.227745632 | 1778466.76812 | 9567618.368680865 | 8772789 | 21904864.55863928 | 24537196.43598253 | 78380548.3591683 | 2774515.54645 | 2774515.54645 | 4256 | 4256 | 81159319.90561831 67577414.82774563 | 4300800.94081 | 23238451.036314562 | 24398744 | 92922887.86348927 | 125294199.16686094 | 337732497.8352204 | 5670053.85432 | 5670053.85432 | 4779195 | 4779195 | 348181746.6895404 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2119444.9 | 143461.48152 | 1313863.2200683665 | 834776 | 5371063.6517199995 | 4006492.4700985635 | 13789101.72340693 | 177588.07945 | 177588.07945 | 848368 | 848368 | 14815057.80285693 2119444.9 | 143461.48152 | 1313863.2200683665 | 834776 | 5371063.6517199995 | 4006492.4700985635 | 13789101.72340693 | 177588.07945 | 177588.07945 | 848368 | 848368 | 14815057.80285693 Obligations à terme Banques locales | 4675930 | 0 | 2134106.92728 | 602183 | 5036485.515559999 | 1632670.0277200001 | 14081375.47056 | 1789726.22193 | 1789726.22193 | 0 | 0 | 15871101.69249 Banque à l'étranger | 0 | 0 | 0 | 0 | 196738.28617 | 0 | 196738.28617 | 195945.6 | 195945.6 | 0 | 0 | 392683.88617 Autres | 4456319 | 616063.8972 | 102935.8676676816 | 79943 | 682443.7352400001 | 1161112.8761488642 | 7098818.376256546 | 249383.22950999998 | 249383.22950999998 | 84630 | 84630 | 7432831.605766546 9132249 | 616063.8972 | 2237042.7949476815 | 682126 | 5915667.53697 | 2793782.9038688643 | 21376932.132986546 | 2235055.05144 | 2235055.05144 | 84630 | 84630 | 23696617.184426546 Autres passifs | 1097193.00098 | 22154.631520000003 | 324051.2642671361 | 861332 | 3129063.52558 | 1648896.8169656321 | 7082691.239312768 | 231798.35713 | 231798.35713 | 0 | 0 | 7314489.596442768 79926301.72872564 | 5082480.951049999 | 27113408.315597743 | 26776978 | 107338682.57775928 | 133743371.35779402 | 379981222.9309267 | 8314495.34234 | 8314495.34234 | 5712193 | 5712193 | 394007911.2732667 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 727340.26157 | 810000 | 3000000 | 6403480.04 | 14105820.30157 | 300000 | 300000 | 103837 | 103837 | 14509657.30157 Réserves | 959252 | 78594.77100000001 | 208891.59874 | 391254 | 1001660.3455399999 | 1360455.52707 | 4000108.24235 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 4321001.53168 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000 Surplus d'apport | 0 | 14325 | 1164266.7538800002 | 1384 | 0 | 0 | 1179975.7538800002 | 0 | 0 | 0 | 0 | 1179975.7538800002 BNR | 4193051 | -292243.86253 | 561174.286358953 | 1854089 | 2852395.1060999963 | 4128498.8750299998 | 13296964.404958948 | 146473.24791 | 146473.24791 | 267201 | 267201 | 13710638.652868949 8312303 | -34324.091529999976 | 2661672.900548953 | 3056727 | 6854055.451639997 | 11892434.4421 | 32742868.70275895 | 708078.53724 | 708078.53724 | 430326 | 430326 | 33881273.23999895 88238604.72872564 | 5048156.8595199995 | 29775081.216146696 | 29833705 | 114192738.02939928 | 145635805.799894 | 412724091.6336856 | 9022573.87958 | 9022573.87958 | 6142519 | 6142519 | 427889184.51326555 Hors-bilan Effets à l'encaissement | 1219162.6 | 0 | 0 | 0 | 8313.37009 | 1625.6101626920001 | 1229101.580252692 | 0 | 0 | 0 | 0 | 1229101.580252692 Crédit documentaire | 183253 | 0 | 0 | 0 | 1944464.5675800003 | 1476175.735910064 | 3603893.3034900646 | 0 | 0 | 0 | 0 | 3603893.3034900646 Autres | 8464977.6 | 244819.008726256 | 2142216.11721568 | 305573 | 8405735.0967 | 1212434.7700368483 | 20775755.592678785 | 626489.42224 | 626489.42224 | -1015248.1298199999 | -1015248.1298199999 | 20386996.885098785 Portefeuille brut | 22873844.1 | 1346650.99485 | 15149013.818675995 | 10947901 | 33505490.416810002 | 36618062.65118 | 120440962.981516 | 5057445.13242 | 5057445.13242 | 668207 | 668207 | 126166615.113936 Provisions pour créances douteuses | 1358343.2 | 656272.4763 | 537107.508887971 | 82829 | 1793387.30387 | 655766.38588 | 5083705.874937971 | 198032.50212 | 198032.50212 | 0 | 0 | 5281738.377057971 Portefeuille de crédit improductif | 5355879.699999999 | 1075775.064724432 | 240735.720208016 | 98154 | 649686 | 321541.31422 | 7741771.799152448 | 678754.10549 | 678754.10549 | 0 | 0 | 8420525.904642448 Dépôts US convertis | 23541423.5 | 1804778.8648800002 | 13351901.36486042 | 13861977 | 48146411.06139225 | 65796994.96058878 | 166503486.75172144 | 3187927.4847999997 | 3187927.4847999997 | 2110639 | 2110639 | 171802053.23652145 Immobilisation /A | 0.27434149943282865 | -10.140969076363497 | 0.38149870218860293 | 0.2581748386427705 | 0.4497832352920864 | 0.2340239057814432 | 0.3145429089779843 | 0.8871930500515562 | 0.8871930500515562 | 0.6773329987033087 | 0.6773329987033087 | 0.33111841599670494 Liquidité en % de l'actif | 0.567132433985914 | 0.6656984556517 | 0.44154495097114876 | 0.5205742632368323 | 0.46395499197782725 | 0.5194839982976609 | 0.5105516893518681 | 0.16464103714151568 | 0.16464103714151568 | 0.8379869887256352 | 0.8379869887256352 | 0.5079581980745779 Liquidité en % des dépôts | 0.740528100809408 | 0.7813777646349482 | 0.565744969627764 | 0.6365351839422554 | 0.5701532967221385 | 0.6038226126574063 | 0.6239168085976619 | 0.26198797390402423 | 0.26198797390402423 | 1.077033056822331 | 1.077033056822331 | 0.62424242855008 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 70555470.69175139 | BNC | 6350000 | UNIBK | 35962296.2653 | UNIBK | 11892434.4421 SOGEBK | 50580290.85631 | UNIBK | 3400000 | SOGEBK | 31712103.112940002 | BNC | 8312303 BNC | 34492974.660000004 | SOGEBK | 2400000 | BNC | 21515500.900000002 | SOGEBK | 6854055.451639997 CAPITALBK | 15330659 | BPH | 754000 | BUH | 14611906.309788024 | CAPITALBK | 3056727 BUH | 12547336.775736064 | BUH | 599700 | CAPITALBK | 10865072 | BUH | 2661672.900548953 CBNA | 5147351 | CAPITALBK | 200000 | SOGEBL | 4859412.630299999 | SOGEBL | 708078.53724 BPH | 2205550.22527 | CBNA | 0 | BPH | 690378.5185499999 | CBNA | 430326 SOGEBL | 1485485.9212200001 | SOGEBL | 0 | CBNA | 668207 | BPH | -34324.091529999976 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbadec. 19 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8343138 | 169554.05348 | 829114.3198427279 | 1024631 | 2714731.04484 | 2132727.727248616 | 15213896.145411344 | 33701.15597 | 33701.15597 | 60618 | 60618 | 15308215.301381344 Avoirs à la BRH | 22167336 | 1931558.9732599999 | 10204980.17610909 | 10293766 | 39856287.88824 | 52683359.19809669 | 137137288.2357058 | 929740.72968 | 929740.72968 | 4025076 | 4025076 | 142092104.9653858 Avoirs à l'étranger | 1658449 | 2171.276 | 1675414.86728385 | 3363126 | 3920621.2111099996 | 7998791.138207278 | 18618573.492601126 | 0 | 0 | 361857 | 361857 | 18980430.492601126 Avoirs dans les banques locales | 0 | 0 | 33844.697725668004 | 5826 | 11019 | 0 | 50689.697725668004 | 45285.498470000006 | 45285.498470000006 | 0 | 0 | 95975.19619566802 Autres liquidités | 365032.4 | 29196.75036 | 8831.204434038 | 65473 | 251409.79791 | 597103.3215322581 | 1317046.474236296 | 16602.60377 | 16602.60377 | 82443 | 82443 | 1416092.078006296 32533955.4 | 2132481.0530999997 | 12752185.265395373 | 14752822 | 46754068.942099996 | 63411981.385084845 | 172337494.04568022 | 1025329.98789 | 1025329.98789 | 4529994 | 4529994 | 177892818.03357023 Bons B.R.H. | 4850000 | 704000 | 400000 | 200000 | 400000 | 0 | 6554000 | 0 | 0 | 0 | 0 | 6554000 Bons du Trésor / M.E.F. | 7625263 | 516070.17525 | 0 | 0 | 0 | 112500.00003 | 8253833.17528 | 0 | 0 | 0 | 0 | 8253833.17528 Autres Placements | 12357213.5 | 0 | 324167.721583674 | 2304832 | 18566119.05058 | 28861067.808358528 | 62413400.0805222 | 799846.90839 | 799846.90839 | 0 | 0 | 63213246.9889122 Portefeuille net | 21228394.5 | 693888.50057 | 14435059.595338501 | 11053037 | 31085149.57939 | 35548142.796409994 | 114043671.97170849 | 4647070.38344 | 4647070.38344 | 637305 | 637305 | 119328047.3551485 Immobilisations | 2217737.82076 | 350828.33882999996 | 1097630.35347 | 797417 | 2946847.726970001 | 2660569.3925000005 | 10071030.632530002 | 585703.51107 | 585703.51107 | 280979 | 280979 | 10937713.143600002 Autres actifs | 2337235.4 | 613658.86876 | 297789.200606162 | 773584 | 4684650.343819998 | 3075508.623717272 | 11782426.436903434 | 981391.7885799999 | 981391.7885799999 | 44539 | 44539 | 12808357.225483434 83149799.62076001 | 5010926.936509999 | 29306832.13639371 | 29881692 | 104436835.64286 | 133669770.00610064 | 385455856.3426243 | 8039342.5793699995 | 8039342.5793699995 | 5492817 | 5492817 | 398988015.9219943 PASSIF Dépôts À vue | 31000481.311380286 | 2112346.43763 | 8839585.076218568 | 8919446 | 34718381.79021001 | 45342489.50369419 | 130932730.11913306 | 1932650.04872 | 1932650.04872 | 3367385 | 3367385 | 136232765.16785306 Épargne | 21436706.75 | 498484.99631 | 4340003.678587761 | 5570126 | 29068346.352240004 | 44990855.020286836 | 105904522.7974246 | 722495.42304 | 722495.42304 | 524800 | 524800 | 107151818.2204646 À terme | 10918091.8 | 1691215.02097 | 9279863.87379632 | 9011871 | 20673742.332571365 | 23628131.485490173 | 75202915.51282786 | 2445874.8986299997 | 2445874.8986299997 | 14153 | 14153 | 77662943.41145785 63355279.86138028 | 4302046.45491 | 22459452.628602646 | 23501443 | 84460470.47502138 | 113961476.00947121 | 312040168.42938554 | 5101020.37039 | 5101020.37039 | 3906338 | 3906338 | 321047526.7997755 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2226567.5 | 171202.38641 | 1181723.748625412 | 1245593 | 4299499.38372 | 3274161.771507476 | 12398747.790262887 | 167487.84716 | 167487.84716 | 1034240 | 1034240 | 13600475.637422888 2226567.5 | 171202.38641 | 1181723.748625412 | 1645593 | 4299499.38372 | 3274161.771507476 | 12798747.790262887 | 167487.84716 | 167487.84716 | 1034240 | 1034240 | 14000475.637422888 Obligations à terme Banques locales | 4370634 | 12499.99981 | 2182464.2289899997 | 614018 | 4989281.53767 | 1667560.38057 | 13836458.14704 | 1726579.7366900002 | 1726579.7366900002 | 0 | 0 | 15563037.88373 Banque à l'étranger | 0 | 0 | 0 | 0 | 592.90439 | 0 | 592.90439 | 0 | 0 | 0 | 0 | 592.90439 Autres | 4160766 | 529769.75872 | 207498.667544556 | 177927 | 908379.81311 | 1940296.7348619478 | 7924637.974236503 | 122730.36672 | 122730.36672 | 118875 | 118875 | 8166243.3409565035 8531400 | 542269.75853 | 2389962.8965345556 | 791945 | 5898254.255170001 | 3607857.1154319476 | 21761689.025666505 | 1849310.1034100002 | 1849310.1034100002 | 118875 | 118875 | 23729874.129076503 Autres passifs | 1190439.2 | 27621.40575 | 297304.929898544 | 821065 | 1911822.68108 | 1583729.473737282 | 5831982.690465826 | 175006.74182 | 175006.74182 | 0 | 0 | 6006989.432285826 75303686.56138028 | 5043140.0056 | 26328444.20366116 | 26760046 | 96570046.79499137 | 122427224.37014791 | 352432587.93578076 | 7292825.06278 | 7292825.06278 | 5059453 | 5059453 | 364784865.9985608 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728457.76157 | 810000 | 1500000 | 6404700 | 12608157.76157 | 300000 | 300000 | 103837 | 103837 | 13011994.76157 Réserves | 959252 | 78594.77100000001 | 350389.25453 | 352745 | 2630258.98559 | 1398588.42176 | 5769828.43288 | 261605.28932999997 | 261605.28932999997 | 59288 | 59288 | 6090721.72221 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000 Surplus d'apport | 0 | 14325 | 1169722.8492 | 1384 | 376690.93492 | 0 | 1562122.78412 | 0 | 0 | 0 | 0 | 1562122.78412 BNR | 3726861 | -290132.84009 | 729818.06774 | 1957517 | 3359838.927359999 | 3439257.21508 | 12923159.37009 | 184912.22712 | 184912.22712 | 270239 | 270239 | 13378310.597210001 7846113 | -32213.069090000005 | 2978387.9330399996 | 3121646 | 7866788.84787 | 11242545.63684 | 33023268.34866 | 746517.51645 | 746517.51645 | 433364 | 433364 | 34203149.86511 83149799.56138028 | 5010926.936509999 | 29306832.13670116 | 29881692 | 104436835.64286137 | 133669770.00698791 | 385455856.28444076 | 8039342.57923 | 8039342.57923 | 5492817 | 5492817 | 398988015.86367065 Hors-bilan Effets à l'encaissement | 1130009.911985724 | 0 | 0 | 0 | 17408.62483 | 7459.049455486001 | 1154877.58627121 | 0 | 0 | 0 | 0 | 1154877.58627121 Crédit documentaire | 172052 | 0 | 0 | 0 | 1741818.1021299998 | 1317411.573499098 | 3231281.675629098 | 0 | 0 | 0 | 0 | 3231281.675629098 Autres | 7625330.9 | 240211.306609718 | 1780494.321030456 | 355723 | 7247480.056159999 | 1585596.484271218 | 18834836.06807139 | 661678.79359 | 661678.79359 | 1660053.0692000003 | 1660053.0692000003 | 21156567.930861395 Portefeuille brut | 22412341.5 | 1343693.29287 | 14674191.220712345 | 11141578 | 32412227.28012 | 36108651.650249995 | 118092682.94395235 | 4831648.04036 | 4831648.04036 | 637305 | 637305 | 123561635.98431236 Provisions pour créances douteuses | 1183947 | 649804.7923 | 239131.625373844 | 88541 | 1327077.70073 | 560508.85384 | 4049010.9722438436 | 184577.65691999998 | 184577.65691999998 | 0 | 0 | 4233588.629163844 Portefeuille de crédit improductif | 5550185 | 1058370.002955788 | 159290.01422517598 | 71140 | 693133 | 298754.75405999995 | 7830872.771240964 | 683324.74497 | 683324.74497 | 0 | 0 | 8514197.516210964 Dépôts US convertis | 28840251.072280288 | 2657168.60872 | 15723987.843592647 | 18487266 | 61804803.15078137 | 82365052.3130812 | 209878528.9884555 | 4108356.97911 | 4108356.97911 | 3168913 | 3168913 | 217155798.9675655 Immobilisation /A | 0.28265433097382103 | -10.890869722776854 | 0.3685316950467442 | 0.2554476068074343 | 0.374593469324893 | 0.2366518650172738 | 0.30496771325599753 | 0.7845810689818276 | 0.7845810689818276 | 0.6483671924756094 | 0.6483671924756094 | 0.3197867210106681 Liquidité en % de l'actif | 0.5413027885248511 | 0.6690481164119663 | 0.44877539831617524 | 0.500400780518051 | 0.45150802063126055 | 0.47523446312667117 | 0.48551688641256585 | 0.1275390341644515 | 0.1275390341644515 | 0.8247123470525233 | 0.8247123470525233 | 0.48297353183290825 Liquidité en % des dépôts | 0.7104256898316764 | 0.7792921958161737 | 0.5855968746382426 | 0.6362512293394069 | 0.5582974932166107 | 0.557420661872047 | 0.5997475522556356 | 0.20100488009060982 | 0.20100488009060982 | 1.159652339352099 | 1.159652339352099 | 0.6002246867611908 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 63411981.385084845 | BNC | 4850000 | UNIBK | 35548142.796409994 | UNIBK | 11242545.63684 SOGEBK | 46754068.942099996 | BPH | 704000 | SOGEBK | 31085149.57939 | SOGEBK | 7866788.84787 BNC | 32533955.4 | BUH | 400000 | BNC | 21228394.5 | BNC | 7846113 CAPITALBK | 14752822 | SOGEBK | 400000 | BUH | 14435059.595338501 | CAPITALBK | 3121646 BUH | 12752185.265395373 | CAPITALBK | 200000 | CAPITALBK | 11053037 | BUH | 2978387.9330399996 CBNA | 4529994 | UNIBK | 0 | SOGEBL | 4647070.38344 | SOGEBL | 746517.51645 BPH | 2132481.0530999997 | CBNA | 0 | BPH | 693888.50057 | CBNA | 433364 SOGEBL | 1025329.98789 | SOGEBL | 0 | CBNA | 637305 | BPH | -32213.069090000005 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [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 . RÉSULTATS TRIMESTRIELS PAR BANQUE (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME TRIM 1 2025 (Octobre-Décembre 2024) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 447582 | 3973.1069100000004 | 351115.96291999996 | 447883 | 706462.74569 | 1342046.02767 | 3299062.84319 | 106999.01887999999 | 106999.01887999999 | 94 | 94 | 3406155.86207 Intérêts sur Bons B.R.H. | 296546 | 3987.5 | 1579.5 | 21194 | 370706.62691999995 | 64656.75 | 758670.37692 | 0 | 0 | 0 | 0 | 758670.37692 Autres | 783447 | 54776.26484 | 48988.575561733 | 98033 | 287648.93026000005 | 933424.3670300001 | 2206318.1376917334 | 39332.47579 | 39332.47579 | 5867 | 5867 | 2251517.6134817335 1527575 | 62736.871750000006 | 401684.03848173295 | 567110 | 1364818.30287 | 2340127.1447 | 6264051.357801734 | 146331.49467 | 146331.49467 | 5961 | 5961 | 6416343.8524717335 Dépenses d'intérêt | 168300 | 18335.81246 | 109824.37074000001 | 138559 | 248121.91664 | 324294.84391 | 1007435.9437500001 | 46219.382690000006 | 46219.382690000006 | 0 | 0 | 1053655.3264400002 1359275 | 44401.059290000005 | 291859.6677417329 | 428551 | 1116696.38623 | 2015832.30079 | 5256615.414051734 | 100112.11197999999 | 100112.11197999999 | 5961 | 5961 | 5362688.5260317335 AUTRES REVENUS Commissions | 217710 | 4653.06999 | 174582.2300233334 | 312319 | 456038.47297 | 667437.9279000002 | 1832740.7008833336 | 7733.189140000002 | 7733.189140000002 | 2626 | 2626 | 1843099.8900233335 Gains sur change | 67594 | -2592.10153 | 62394.19291 | 117883 | 243157.41275999998 | 396445.88928999996 | 884882.3934299999 | 4545.41855 | 4545.41855 | 5719 | 5719 | 895146.8119799999 Autres | 13912 | 529.38073 | 42880.469515443445 | 115037 | 198071.80344000002 | 408018.70681 | 778449.3604954435 | 7301.135190000001 | 7301.135190000001 | 27858 | 27858 | 813608.4956854435 299216 | 2590.34919 | 279856.8924487768 | 545239 | 897267.68917 | 1471902.5240000002 | 3496072.454808777 | 19579.742880000005 | 19579.742880000005 | 36203 | 36203 | 3551855.197688777 PRODUIT NET BANCAIRE | 1658491 | 46991.408480000006 | 571716.5601905098 | 973790 | 2013964.0754 | 3487734.82479 | 8752687.868860511 | 119691.85485999999 | 119691.85485999999 | 42164 | 42164 | 8914543.72372051 Dotation à la provision pour créances douteuses | 170000 | 0 | -12915.2223965123 | 15144 | 162139.35283 | 127569.23956999999 | 461937.3700034877 | 1203.0415399999983 | 1203.0415399999983 | 0 | 0 | 463140.4115434877 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1488491 | 46991.408480000006 | 584631.782587022 | 958646 | 1851824.72257 | 3360165.58522 | 8290750.498857023 | 118488.81331999999 | 118488.81331999999 | 42164 | 42164 | 8451403.312177021 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 774761 | 36063.301250000004 | 225108.03574999998 | 299121 | 591604.32877 | 1228648.64826 | 3155306.31403 | 39260.604289999996 | 39260.604289999996 | 16745 | 16745 | 3211311.91832 Frais de locaux | 32044 | 4818.40206 | 89248.43530000001 | 89170 | 51615.41166 | 91475.30219 | 358371.55121 | 22474.563480000004 | 22474.563480000004 | 658 | 658 | 381504.11469 Amortissement | 57395 | 1822.19106 | 24080.07539 | 42024 | 93650.60009 | 193117.06337 | 412088.92991 | 3453.94708 | 3453.94708 | 8397 | 8397 | 423939.87699 Autres dépenses d'exploitation | 244040 | 20313.4246 | 193919.39715713199 | 384422 | 679956.93782 | 911380.4316700001 | 2434032.1912471317 | 29846.66644 | 29846.66644 | 64895 | 64895 | 2528773.8576871315 1108240 | 63017.31897 | 532355.943597132 | 814737 | 1416827.27834 | 2424621.44549 | 6359798.986397132 | 95035.78129 | 95035.78129 | 90695 | 90695 | 6545529.767687132 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -16025.910489999995 | 52275.838989890064 | 143909 | 434997.44423 | 935544.1397299999 | 1930951.512459891 | 23453.032029999988 | 23453.032029999988 | -48531 | -48531 | 1905873.5444898894 Impôts sur le revenu | 0 | 0 | 15682.751696967101 | 8239 | 87123.8 | 177584.99439 | 288630.5460869671 | 6332.318649999999 | 6332.318649999999 | 0 | 0 | 294962.8647369671 BÉNÉFICE NET (PERTE NETTE) | 380251 | -16025.910489999995 | 36593.087292922966 | 135670 | 347873.64423000003 | 757959.1453399999 | 1642320.966372924 | 17120.713379999987 | 17120.713379999987 | -48531 | -48531 | 1610910.6797529224 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 1 2024 (Octobre.-Décembre 2023) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 532071 | 4049.22928 | 367976.63607999997 | 536121 | 1085090.2615699999 | 1630574.18371 | 4155882.31064 | 122621.88078000004 | 122621.88078000004 | 6018 | 6018 | 4284522.19142 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 9439 | 167712.97251999998 | 0 | 177151.97251999998 | 0 | 0 | 0 | 0 | 177151.97251999998 Autres | 1087428 | 54766.169709999995 | 66156.98609864 | 89929 | 217371.04896 | 756655.2505900001 | 2272306.4553586403 | 41318.06111 | 41318.06111 | 14087 | 14087 | 2327711.5164686404 1619499 | 58815.398989999994 | 434133.62217864 | 635489 | 1470174.28305 | 2387229.4343 | 6605340.73851864 | 163939.94189000005 | 163939.94189000005 | 20105 | 20105 | 6789385.680408641 Dépenses d'intérêt | 168425 | 17332.3766 | 120378.55672 | 132550 | 239481.35226 | 322108.39846 | 1000275.68404 | 44961.8767 | 44961.8767 | 714 | 714 | 1045951.56074 1451074 | 41483.02239 | 313755.06545864 | 502939 | 1230692.93079 | 2065121.0358399998 | 5605065.054478641 | 118978.06519000005 | 118978.06519000005 | 19391 | 19391 | 5743434.119668641 AUTRES REVENUS Commissions | 264052 | 8795.73857 | 172609.9259100001 | 321562 | 507542.17510999995 | 660580.3835099998 | 1935142.2230999998 | 4884.2896 | 4884.2896 | 21185 | 21185 | 1961211.5126999998 Gains sur change | 65950 | 238.34571999999986 | 75002.25032058252 | 181114 | 297868.8237400001 | 538623.91848 | 1158797.3382605826 | 5272.2414 | 5272.2414 | 21982 | 21982 | 1186051.5796605826 Autres | 17534 | 3087.37885 | 62650.87093925457 | 113973 | 170658.62679999997 | 313443.26896 | 681347.1455492545 | 7443.003279999999 | 7443.003279999999 | 32836 | 32836 | 721626.1488292544 347536 | 12121.46314 | 310263.0471698372 | 616649 | 976069.6256500001 | 1512647.5709499998 | 3775286.706909837 | 17599.53428 | 17599.53428 | 76003 | 76003 | 3868889.2411898365 PRODUIT NET BANCAIRE | 1798610 | 53604.48553 | 624018.1126284772 | 1119588 | 2206762.55644 | 3577768.6067899996 | 9380351.761388477 | 136577.59947000004 | 136577.59947000004 | 95394 | 95394 | 9612323.360858478 Dotation à la provision pour créances douteuses | 300000 | 9000 | 4685.614875285388 | 61050 | 352491.31236999994 | 254514.85327000002 | 981741.7805152854 | -1821.4077999999997 | -1821.4077999999997 | 0 | 0 | 979920.3727152854 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1498610 | 44604.48553 | 619332.4977531917 | 1058538 | 1854271.24407 | 3323253.75352 | 8398609.980873192 | 138399.00727000003 | 138399.00727000003 | 95394 | 95394 | 8632402.988143193 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 715518 | 34882.44141 | 236242.04523000002 | 273354 | 585122.31048 | 1019987.8171300001 | 2865106.61425 | 39961.67533 | 39961.67533 | 18046 | 18046 | 2923114.28958 Frais de locaux | 36516 | 4933.73153 | 108590.53133999999 | 32469 | 61009.85541999999 | 91346.85015 | 334865.96843999997 | 19600.97696 | 19600.97696 | 194 | 194 | 354660.94539999997 Amortissement | 53436 | 1832.6163499999998 | 21942.661749999996 | 33589 | 96454.70368 | 185919.64401 | 393174.62578999996 | 4369.13132 | 4369.13132 | 3984 | 3984 | 401527.75710999995 Autres dépenses d'exploitation | 256074 | 36136.26694 | 203537.62579365497 | 370367 | 668578.92657 | 979260.2081899999 | 2513954.0274936548 | 32197.33444000002 | 32197.33444000002 | 39330 | 39330 | 2585481.3619336546 1061544 | 77785.05622999999 | 570312.8641136549 | 709779 | 1411165.79615 | 2276514.5194800003 | 6107101.235973654 | 96129.11805000002 | 96129.11805000002 | 61554 | 61554 | 6264784.354023655 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | -33180.57069999999 | 49019.6336395368 | 348759 | 443105.44791999995 | 1046739.2340399995 | 2291508.7448995374 | 42269.88922000001 | 42269.88922000001 | 33840 | 33840 | 2367618.6341195377 Impôts sur le revenu | 0 | 0 | 17097.96089137266 | 77897 | 141850 | 224616.16437 | 461461.12526137265 | 11412.870089400007 | 11412.870089400007 | 10510 | 10510 | 483383.99535077263 BÉNÉFICE NET (PERTE NETTE) | 437066 | -33180.57069999999 | 31921.67274816414 | 270862 | 301255.44791999995 | 822123.0696699995 | 1830047.6196381648 | 30857.019130600005 | 30857.019130600005 | 23330 | 23330 | 1884234.6387687651 Commissions / salaires | 0.2810027866658234 | 0.1290250706041505 | 0.775548635754703 | 1.0441226125882168 | 0.7708504667606914 | 0.54322928596814 | 0.5808439873916813 | 0.19697071096711852 | 0.1568229322185727 | 0.1568229322185727 | 0.1568229322185727 | 0.5739398529020975 marge nette en % revenus d'intérêts | 0.8898253768227419 | 0.7077346710389653 | 0.7265901549010779 | 0.7556752658214456 | 0.818201502633546 | 0.861419989659761 | 0.8391718256755253 | 0.684146035723671 | 1 | 1 | 1 | 0.8357857136920575 frais d'exploitation en % produit net bancaire | 0.6682218956871036 | 1.3410391603141834 | 0.9311536181840493 | 0.8366660162868791 | 0.7035017633363689 | 0.6951851466047132 | 0.7266109658752287 | 0.7940037473824809 | 2.1510055971919173 | 2.1510055971919173 | 2.1510055971919173 | 0.7342529209061232 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net UNIBK | 2340127.1447 | CBNA | 1 | UNIBK | 1471902.5240000002 | SOGEBL | 0.7940037473824809 | UNIBK | 2424621.44549 | UNIBK | 757959.1453399999 BNC | 1527575 | BNC | 0.8898253768227419 | SOGEBK | 897267.68917 | UNIBK | 0.6951851466047132 | SOGEBK | 1416827.27834 | SOGEBK | 347873.64423000003 SOGEBK | 1364818.30287 | UNIBK | 0.861419989659761 | CAPITALBK | 545239 | SOGEBK | 0.7035017633363689 | BNC | 1108240 | BNC | 380251 CAPITALBK | 567110 | SOGEBK | 0.818201502633546 | BNC | 299216 | BNC | 0.6682218956871036 | CAPITALBK | 814737 | CAPITALBK | 135670 BUH | 401684.03848173295 | CAPITALBK | 0.7556752658214456 | BUH | 279856.8924487768 | CBNA | 2.1510055971919173 | BUH | 532355.943597132 | BUH | 36593.087292922966 SOGEBL | 146331.49467 | BUH | 0.7265901549010779 | SOGEBL | 19579.742880000005 | CAPITALBK | 0.8366660162868791 | BPH | 63017.31897 | SOGEBL | 17120.713379999987 BPH | 62736.871750000006 | SOGEBL | 0.684146035723671 | CBNA | 36203 | BUH | 0.9311536181840493 | CBNA | 90695 | CBNA | -48531 CBNA | 5961 | BPH | 0.7077346710389653 | BPH | 2590.34919 | BPH | 1.3410391603141834 | SOGEBL | 95035.78129 | BPH | -16025.910489999995 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 2025 (Octobre 2024 - Décembre 2024) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 447582 | 3973.1069100000004 | 351115.96291999996 | 447883 | 706462.74569 | 1342046.02767 | 3299062.84319 | 106999.01887999999 | 106999.01887999999 | 94 | 94 | 3406155.86207 Intérêts sur Bons B.R.H. | 296546 | 3987.5 | 1579.5 | 21194 | 370706.62691999995 | 64656.75 | 758670.37692 | 0 | 0 | 0 | 0 | 758670.37692 Autres | 783447 | 54776.26484 | 48988.575561733 | 98033 | 287648.93026000005 | 933424.3670300001 | 2206318.1376917334 | 39332.47579 | 39332.47579 | 5867 | 5867 | 2251517.6134817335 1527575 | 62736.871750000006 | 401684.03848173295 | 567110 | 1364818.30287 | 2340127.1447 | 6264051.357801734 | 146331.49467 | 146331.49467 | 5961 | 5961 | 6416343.8524717335 Dépenses d'intérêt | 168300 | 18335.81246 | 109824.37074000001 | 138559 | 248121.91664 | 324294.84391 | 1007435.9437500001 | 46219.382690000006 | 46219.382690000006 | 0 | 0 | 1053655.3264400002 1359275 | 44401.059290000005 | 291859.6677417329 | 428551 | 1116696.38623 | 2015832.30079 | 5256615.414051734 | 100112.11197999999 | 100112.11197999999 | 5961 | 5961 | 5362688.5260317335 AUTRES REVENUS Commissions | 217710 | 4653.06999 | 174582.2300233334 | 312319 | 456038.47297 | 667437.9279000002 | 1832740.7008833336 | 7733.189140000002 | 7733.189140000002 | 2626 | 2626 | 1843099.8900233335 Gains sur change | 67594 | -2592.10153 | 62394.19291 | 117883 | 243157.41275999998 | 396445.88928999996 | 884882.3934299999 | 4545.41855 | 4545.41855 | 5719 | 5719 | 895146.8119799999 Autres | 13912 | 529.38073 | 42880.469515443445 | 115037 | 198071.80344000002 | 408018.70681 | 778449.3604954435 | 7301.135190000001 | 7301.135190000001 | 27858 | 27858 | 813608.4956854435 299216 | 2590.34919 | 279856.8924487768 | 545239 | 897267.68917 | 1471902.5240000002 | 3496072.454808777 | 19579.742880000005 | 19579.742880000005 | 36203 | 36203 | 3551855.197688777 PRODUIT NET BANCAIRE | 1658491 | 46991.408480000006 | 571716.5601905098 | 973790 | 2013964.0754 | 3487734.82479 | 8752687.868860511 | 119691.85485999999 | 119691.85485999999 | 42164 | 42164 | 8914543.72372051 Dotation à la provision pour créances douteuses | 170000 | 0 | -12915.2223965123 | 15144 | 162139.35283 | 127569.23956999999 | 461937.3700034877 | 1203.0415399999983 | 1203.0415399999983 | 0 | 0 | 463140.4115434877 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1488491 | 46991.408480000006 | 584631.782587022 | 958646 | 1851824.72257 | 3360165.58522 | 8290750.498857023 | 118488.81331999999 | 118488.81331999999 | 42164 | 42164 | 8451403.312177021 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 774761 | 36063.301250000004 | 225108.03574999998 | 299121 | 591604.32877 | 1228648.64826 | 3155306.31403 | 39260.604289999996 | 39260.604289999996 | 16745 | 16745 | 3211311.91832 Frais de locaux | 32044 | 4818.40206 | 89248.43530000001 | 89170 | 51615.41166 | 91475.30219 | 358371.55121 | 22474.563480000004 | 22474.563480000004 | 658 | 658 | 381504.11469 Amortissement | 57395 | 1822.19106 | 24080.07539 | 42024 | 93650.60009 | 193117.06337 | 412088.92991 | 3453.94708 | 3453.94708 | 8397 | 8397 | 423939.87699 Autres dépenses d'exploitation | 244040 | 20313.4246 | 193919.39715713199 | 384422 | 679956.93782 | 911380.4316700001 | 2434032.1912471317 | 29846.66644 | 29846.66644 | 64895 | 64895 | 2528773.8576871315 1108240 | 63017.31897 | 532355.943597132 | 814737 | 1416827.27834 | 2424621.44549 | 6359798.986397132 | 95035.78129 | 95035.78129 | 90695 | 90695 | 6545529.767687132 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -16025.910489999995 | 52275.838989890064 | 143909 | 434997.44423 | 935544.1397299999 | 1930951.512459891 | 23453.032029999988 | 23453.032029999988 | -48531 | -48531 | 1905873.5444898894 Impôts sur le revenu | 0 | 0 | 15682.751696967101 | 8239 | 87123.8 | 177584.99439 | 288630.5460869671 | 6332.318649999999 | 6332.318649999999 | 0 | 0 | 294962.8647369671 BÉNÉFICE NET (PERTE NETTE) | 380251 | -16025.910489999995 | 36593.087292922966 | 135670 | 347873.64423000003 | 757959.1453399999 | 1642320.966372924 | 17120.713379999987 | 17120.713379999987 | -48531 | -48531 | 1610910.6797529224 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2024 (Octobre 2023 - Décembre 2023) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 532071 | 4049.22928 | 367976.63607999997 | 536121 | 1085090.2615699999 | 1630574.18371 | 4155882.31064 | 122621.88078000004 | 122621.88078000004 | 6018 | 6018 | 4284522.19142 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 9439 | 167712.97251999998 | 0 | 177151.97251999998 | 0 | 0 | 0 | 0 | 177151.97251999998 Autres | 1087428 | 54766.169709999995 | 66156.98609864 | 89929 | 217371.04896 | 756655.2505900001 | 2272306.4553586403 | 41318.06111 | 41318.06111 | 14087 | 14087 | 2327711.5164686404 1619499 | 58815.398989999994 | 434133.62217864 | 635489 | 1470174.28305 | 2387229.4343 | 6605340.73851864 | 163939.94189000005 | 163939.94189000005 | 20105 | 20105 | 6789385.680408641 Dépenses d'intérêt | 168425 | 17332.3766 | 120378.55672 | 132550 | 239481.35226 | 322108.39846 | 1000275.68404 | 44961.8767 | 44961.8767 | 714 | 714 | 1045951.56074 1451074 | 41483.02239 | 313755.06545864 | 502939 | 1230692.93079 | 2065121.0358399998 | 5605065.054478641 | 118978.06519000005 | 118978.06519000005 | 19391 | 19391 | 5743434.119668641 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Commissions | 264052 | 8795.73857 | 172609.9259100001 | 321562 | 507542.17510999995 | 660580.3835099998 | 1935142.2230999998 | 4884.2896 | 4884.2896 | 21185 | 21185 | 1961211.5126999998 Gains sur change | 65950 | 238.34571999999986 | 75002.25032058252 | 181114 | 297868.8237400001 | 538623.91848 | 1158797.3382605826 | 5272.2414 | 5272.2414 | 21982 | 21982 | 1186051.5796605826 Autres | 17534 | 3087.37885 | 62650.87093925457 | 113973 | 170658.62679999997 | 313443.26896 | 681347.1455492545 | 7443.003279999999 | 7443.003279999999 | 32836 | 32836 | 721626.1488292544 347536 | 12121.46314 | 310263.0471698372 | 616649 | 976069.6256500001 | 1512647.5709499998 | 3775286.706909837 | 17599.53428 | 17599.53428 | 76003 | 76003 | 3868889.2411898365 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 1798610 | 53604.48553 | 624018.1126284772 | 1119588 | 2206762.55644 | 3577768.6067899996 | 9380351.761388477 | 136577.59947000004 | 136577.59947000004 | 95394 | 95394 | 9612323.360858478 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 300000 | 9000 | 4685.614875285388 | 61050 | 352491.31236999994 | 254514.85327000002 | 981741.7805152854 | -1821.4077999999997 | -1821.4077999999997 | 0 | 0 | 979920.3727152854 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ET IMPÔTS SUR LE REVENU | 1498610 | 44604.48553 | 619332.4977531917 | 1058538 | 1854271.24407 | 3323253.75352 | 8398609.980873192 | 138399.00727000003 | 138399.00727000003 | 95394 | 95394 | 8632402.988143193 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Salaires et avantages sociaux | 715518 | 34882.44141 | 236242.04523000002 | 273354 | 585122.31048 | 1019987.8171300001 | 2865106.61425 | 39961.67533 | 39961.67533 | 18046 | 18046 | 2923114.28958 Frais de locaux | 36516 | 4933.73153 | 108590.53133999999 | 32469 | 61009.85541999999 | 91346.85015 | 334865.96843999997 | 19600.97696 | 19600.97696 | 194 | 194 | 354660.94539999997 Amortissement | 53436 | 1832.6163499999998 | 21942.661749999996 | 33589 | 96454.70368 | 185919.64401 | 393174.62578999996 | 4369.13132 | 4369.13132 | 3984 | 3984 | 401527.75710999995 Autres dépenses d'exploitation | 256074 | 36136.26694 | 203537.62579365497 | 370367 | 668578.92657 | 979260.2081899999 | 2513954.0274936548 | 32197.33444000002 | 32197.33444000002 | 39330 | 39330 | 2585481.3619336546 1061544 | 77785.05622999999 | 570312.8641136549 | 709779 | 1411165.79615 | 2276514.5194800003 | 6107101.235973654 | 96129.11805000002 | 96129.11805000002 | 61554 | 61554 | 6264784.354023655 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 437066 | -33180.57069999999 | 49019.6336395368 | 348759 | 443105.44791999995 | 1046739.2340399995 | 2291508.7448995374 | 42269.88922000001 | 42269.88922000001 | 33840 | 33840 | 2367618.6341195377 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 17097.96089137266 | 77897 | 141850 | 224616.16437 | 461461.12526137265 | 11412.870089400007 | 11412.870089400007 | 10510 | 10510 | 483383.99535077263 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 437066 | -33180.57069999999 | 31921.67274816414 | 270862 | 301255.44791999995 | 822123.0696699995 | 1830047.6196381648 | 30857.019130600005 | 30857.019130600005 | 23330 | 23330 | 1884234.6387687651 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 124953871.99841 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05553188554962913 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015 Bons B.R.H. | 15000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006711409395973154 | 14900000 | 0 | 0 | -1 | 800000 | 0 | 1000000 Prêts nets | 15729675 | 0 | 0 | 0 | 0 | 0 | 0 | -0.004568385096846803 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185 Dépôts | 98246412 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05478747999158802 | 93143324 | 0.01014022477865363 | 92208311 | 0.001240622942694337 | 92094057 | 0.17949430932194144 | 78079272 Avoir des Actionnaires | 11750872 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03344153322848418 | 11370621 | -0.007931144235269236 | 11461524 | 0.16448086299113526 | 9842604 | 0.1310342640293881 | 8702304 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 1359275 | -0.06326279707306451 | 1451074 | 0 | 0 | 1438116 | 0 | 0 | 1486579 | 0 | 0 | 1416087 | 1359275 | -0.06326279707306451 | 1451074 Autres revenus | 299216 | -0.1390359559872934 | 347536 | 0 | 0 | 238859 | 0 | 0 | 286115 | 0 | 0 | 318196 | 299216 | -0.1390359559872934 | 347536 Dot. à la prov. pr créances douteuses | 170000 | -0.43333333333333335 | 300000 | 0 | 0 | 200000 | 0 | 0 | 270000 | 0 | 0 | 240000 | 170000 | -0.43333333333333335 | 300000 Dépenses d'exploitation | 1108240 | 0.04398875600069333 | 1061544 | 0 | 0 | 1086359 | 0 | 0 | 1142243 | 0 | 0 | 1267350 | 1108240 | 0.04398875600069333 | 1061544 Bénéfice (perte) net | 380251 | -0.1299918090174024 | 437066 | 0 | 0 | 390616 | 0 | 0 | 360451 | 0 | 0 | 226933 | 380251 | -0.1299918090174024 | 437066 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.09404167963798293 | 0.1004738460152556 | 0 | 0.10183029365040891 | 0 | 0.10556551565757094 | 0 | 0.09605186963836489 | 0.09404167963798293 | 0.1004738460152556 | 0.09605186963836489 | 0.09700061917501576 | 0.08183439811010634 | 0.08406153935914637 Dépôts en % de l'actif | 0.7862614453536114 | 0.7721567159889912 | 0 | 0.7697804059876 | 0 | 0.7719105979646411 | 0 | 0.7868163413882129 | 0.7862614453536114 | 0.7721567159889912 | 0.7868163413882129 | 0.7803729469207077 | 0.765697951894928 | 0.7542213873890747 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.44710630785210487 | 0.3109874642403791 | 0 | 0.4155162446824524 | 0 | 0.4039337404805326 | 0 | 0.4523539539627359 | 0.44710630785210487 | 0.3109874642403791 | 0.4523539539627359 | 0.31028335835250215 | 0.2061279151235176 | 0.16976937609801523 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.5493016910492151 | 0.5356636288369491 | 0 | 0.42986788713604707 | 0 | 0.4352625722351555 | 0 | 0.5450641831583191 | 0.5493016910492151 | 0.5356636288369491 | 0.5450641831583191 | 0.48539821250531273 | 0.6844699825768059 | 0.6749281125897745 Prêts improductifs nets en % de l'avoir des actionnaires | 0.35755474146939903 | 0.27705767851000174 | 0 | 0.4324691115113539 | 0 | 0.39859958258156725 | 0 | 0.37958155495640916 | 0.35755474146939903 | 0.27705767851000174 | 0.37958155495640916 | 0.3265283046128944 | 0.16951337268064426 | 0.17351669167153894 Rentabilité ROA (rendement de l'actif) | 0.012501374705984752 | 0.014779221419122721 | 0 | 0.013069108924284001 | 0 | 0.011989518040499606 | 0 | 0.007621353539365628 | 0.012501374705984752 | 0.014779221419122721 | 0.011964743583167042 | 0.013168167139600218 | 0.013424277485871085 | 0.012804772919886341 ROE ( rendement avoir des action.) | 0.13156624444623882 | 0.14967940012281616 | 0 | 0.12919440327699128 | 0 | 0.11562708372069729 | 0 | 0.07558047413106543 | 0.13156624444623882 | 0.14967940012281616 | 0.12395383788951936 | 0.1473769778326529 | 0.16200253044124027 | 0.14321902315891402 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8898253768227419 | 0.8960017882073407 | 0 | 0.898610764838535 | 0 | 0.9002400512561511 | 0 | 0.8992073364714758 | 0.8898253768227419 | 0.8960017882073407 | 0.8985184161295512 | 0.8993440556615856 | 0.8894728611533587 | 0.8742902521344234 Rendement moyen des prêts | 0.08561352960488729 | 0.09199836448043659 | 0 | 0.08774605301122623 | 0 | 0.09003795626455967 | 0 | 0.08851566054730664 | 0.08561352960488729 | 0.09199836448043659 | 0.090355143987379 | 0.08914980071130708 | 0.07913494619422924 | 0.0788273284435848 Rendement moyen des prêts productifs | 0.15558679563868433 | 0.13345296095770823 | 0 | 0.13770482345355875 | 0 | 0.15254673143927325 | 0 | 0.15461481469977276 | 0.15558679563868433 | 0.13345296095770823 | 0.14511965277975675 | 0.11980193358112166 | 0.09738041457047548 | 0.09286895347513731 Rémunération moyenne des dépôts | 0.007034860009420777 | 0.007336750601620083 | 0 | 0.007041736188248065 | 0 | 0.007108470465229726 | 0 | 0.006840355331960396 | 0.007034860009420777 | 0.007336750601620083 | 0.007058486427702675 | 0.006733315548067185 | 0.006003690507811597 | 0.007464132650801321 Dépenses d'exploitation en % du produit net bancaire | 0.6682218956871036 | 0.5902024341018898 | 0 | 0.647808703170888 | 0 | 0.6443542991627432 | 0 | 0.7307630876852278 | 0.6682218956871036 | 0.5902024341018898 | 0.6526968181592946 | 0.6617718116162404 | 0.6507434355959172 | 0.6400812257592949 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 8615.537662337661 | 8822.121397915389 | 0 | 8033.413173652694 | 0 | 8754.044444444444 | 0 | 8837.110828025478 | 8615.537662337661 | 8822.121397915389 | 9027.229476405946 | 10669.382322923046 | 6754.8363997558 | 5654.609610621538 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 8038509 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1106080984195097 | 9038208 | 0.737295716755426 | 5202458 | -0.11195439377446413 | 5858323 | 0.18497830525081502 | 4943823 Avoirs à la BRH | 42356511 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19531868887121098 | 35435329 | -0.080507078965869 | 38537903 | 0.0014565306925318799 | 38481853 | 0.20349147715429378 | 31975177 Avoirs à l'étranger | 1901499 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0709198997189061 | 2046647 | -0.28102455687735894 | 2846616 | -0.4261786141563718 | 4960805 | -0.13370522083177697 | 5726463 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 467529 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2868419966145081 | 363315 | -0.4727137358714015 | 689028 | 0.2645778427068574 | 544868 | 0.6701600370282954 | 326237 52764048 | 0 | 0 | 0 | 0 | 0 | 0 | 0.125428970222551 | 46883499 | -0.008302435876297077 | 47276005 | -0.05155582764775458 | 49845849 | 0.15996921229553404 | 42971700 Bons B.R.H. | 15000000 | 0 | 0 | 0 | 0 | 0 | 0 | 14900000 | 0 | 0 | 0 | 800000 | 0 | 1000000 Bons du Trésor / M.E.F. | 18883000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08181036952162704 | 17455000 | -0.3606227106227106 | 27300000 | 0.05813953488372093 | 25800000 | 0.425414364640884 | 18100000 Autres Placements | 16201275 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04927339689007766 | 17040940 | -0.042690717623271486 | 17800872 | 0.18835284339545177 | 14979450 | 0.24755154854898515 | 12007079 Portefeuille net | 15729675 | 0 | 0 | 0 | 0 | 0 | 0 | -0.004568385096846803 | 15801864 | -0.2062783012541835 | 19908570 | -0.096443949744878 | 22033575 | -0.09050578950008019 | 24226185 Immobilisations | 2847591.9984100005 | 0 | 0 | 0 | 0 | 0 | 0 | -0.008238235251559355 | 2871245.9984100005 | -0.02094039595496456 | 2932656.99713 | -0.012998776612205007 | 2971280.00213 | 0.07784804831394886 | 2756678 Autres actifs | 3528282 | 0 | 0 | 0 | 0 | 0 | 0 | 0.029416553025595062 | 3427458 | 0.16533313296044483 | 2941183 | -0.2349636532803607 | 3844501 | 0.5619335224689634 | 2461373 124953871.99841 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05553188554962913 | 118380006.99841 | 0.001867986908937221 | 118159286.99713 | -0.017587811870776376 | 120274655.00213 | 0.16181561174710765 | 103523015 PASSIF Dépôts À vue | 46122647 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07656666647448923 | 42842351 | -0.0012128163940567124 | 42894374 | -0.05901912889895229 | 45584746 | 0.17756926391991626 | 38710883 Épargne | 39774079 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0456115109048436 | 38039060 | 0.02638736044503788 | 37061115 | 0.08604302341647545 | 34124905 | 0.1983036327610699 | 28477678 À terme | 12349686 | 0 | 0 | 0 | 0 | 0 | 0 | 0.007158181598580907 | 12261913 | 0.0007419515275746273 | 12252822 | -0.010624974665720746 | 12384406 | 0.1371531206732049 | 10890711 98246412 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05478747999158802 | 93143324 | 0.01014022477865363 | 92208311 | 0.001240622942694337 | 92094057 | 0.17949430932194144 | 78079272 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 | 4977297 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19362703071757476 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874 4977297 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19362703071757476 | 4169893 | -0.12660307531576623 | 4774339 | 0.08141253162578625 | 4414910 | 0.4966435854548364 | 2949874 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2043399 | -0.13090084124110177 | 2351169 | -0.6153209703882246 | 6112028 | -0.1785475006898046 | 7440513 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8789041 | 0 | 0 | 0 | 0 | 0 | 0 | 0.300800545833432 | 6756640 | 0.037368600524868616 | 6513249 | 0.0033361616071989736 | 6491592 | 0.23621209339738986 | 5251196 8789041 | 0 | 0 | 0 | 0 | 0 | 0 | -0.001249767188531778 | 8800039 | -0.007262631342520175 | 8864418 | -0.29667682776853 | 12603620 | -0.006940672843980271 | 12691709 Autres passifs | 1190250 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3282113086270965 | 896130 | 0.053409271242924904 | 850695 | -0.3552722923853929 | 1319464 | 0.1996697749523574 | 1099856 113203000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05787916585186275 | 107009386 | 0.002920614183823142 | 106697763 | -0.03381525531930943 | 110432051 | 0.16464061316730688 | 94820711 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 1623185 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1623185 | -0.45299272896873755 | 2967392 | 0.38115941556794364 | 2148479 | 0.019997559767883602 | 2106357 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 | 7127687 | 0 | 0 | 0 | 0 | 0 | 0 | 0.056354887990045406 | 6747436 | 0.22811683446993994 | 5494132 | 0.1704272894309376 | 4694125 | 0.305393266363492 | 3595947 11750872 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03344153322848418 | 11370621 | -0.007931144235269236 | 11461524 | 0.16448086299113526 | 9842604 | 0.1310342640293881 | 8702304 124953872 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05553188554888327 | 118380007 | 0.0018679868980590582 | 118159287 | -0.017587811829516367 | 120274655 | 0.1618156117265325 | 103523015 Hors-bilan Effets à l'encaissement | 1623465 | 0 | 0 | 0 | -0.007711109657773668 | 1636081 | 1670693 | 1464704 | 1211933 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 4719125 | 0 | 0 | 0 | -0.037600693382277964 | 4903500 | 3933127 | 4662878 | 4577443 Portefeuille brut | 20850473 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00584260437581444 | 20973010 | -0.10519719634561565 | 23438695 | -0.0863140585932172 | 25652901 | -0.06243855144168766 | 27361301 Provisions pour créances douteuses | 5120798 | 0 | 0 | 0 | 0 | 0 | 0 | -0.009736333106820035 | 5171146 | 0.46486200913565384 | 3530125 | -0.024645748959889215 | 3619326 | 0.1544472357641631 | 3135116 Portefeuille de crédit improductif | 9322378 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01737557793512623 | 9487224 | 0.30450949222407225 | 7272637 | 0.3753670491902177 | 5287779 | 0.13835363675916462 | 4645111 [bnccomp ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 8038509 | 0.06433181198340367 | 0 | 0 | 0 | 0 | 0 | 0 | 9038208 | 0.07634910851222872 | 5202458 | 0.04402919256043212 | 5858323 | 0.048707876151432336 | 4943823 | 0.047755786478977644 Avoirs à la BRH | 42356511 | 0.3389771787187113 | 0 | 0 | 0 | 0 | 0 | 0 | 35435329 | 0.2993354190330124 | 38537903 | 0.32615212887105566 | 38481853 | 0.3199498098690743 | 31975177 | 0.3088702256208438 Avoirs à l'étranger | 1901499 | 0.015217607662643667 | 0 | 0 | 0 | 0 | 0 | 0 | 2046647 | 0.0172887893141237 | 2846616 | 0.02409134374743766 | 4960805 | 0.04124563899112533 | 5726463 | 0.055315844500858094 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 467529 | 0.0037416127449491853 | 0 | 0 | 0 | 0 | 0 | 0 | 363315 | 0.0030690570917509727 | 689028 | 0.0058313486608694235 | 544868 | 0.004530197987184837 | 326237 | 0.003151347553005484 52764048 | 0.4222682111097078 | 0 | 0 | 0 | 0 | 0 | 0 | 46883499 | 0.3960423739511158 | 47276005 | 0.4001040138397949 | 49845849 | 0.4144335229988168 | 42971700 | 0.41509320415368506 Bons B.R.H. | 15000000 | 0.12004429922900564 | 0 | 0 | 0 | 0 | 0 | 0 | 14900000 | 0.12586584827791172 | 0 | 0 | 800000 | 0.006651442899468989 | 1000000 | 0.0096596877515594 Bons du Trésor / M.E.F. | 18883000 | 0.15111976682275424 | 0 | 0 | 0 | 0 | 0 | 0 | 17455000 | 0 | 27300000 | 0 | 25800000 | 0 | 18100000 | 0 Autres Placements | 16201275 | 0.12965804693276056 | 0 | 0 | 0 | 0 | 0 | 0 | 17040940 | 0.14395116567469776 | 17800872 | 0.15065148455434035 | 14979450 | 0.12454369542556344 | 12007079 | 0.11598463394830609 Portefeuille net | 15729675 | 0.1258838541650006 | 0 | 0 | 0 | 0 | 0 | 0 | 15801864 | 0.13348422931088558 | 19908570 | 0.1684892529901908 | 22033575 | 0.18319383247958432 | 24226185 | 0.23401738251151205 Immobilisations | 2847591.9984100005 | 0.022789145729283485 | 0 | 0 | 0 | 0 | 0 | 0 | 2871245.9984100005 | 0.024254484107680153 | 2932656.99713 | 0.024819521779961586 | 2971280.00213 | 0.02470412409062724 | 2756678 | 0.02662864871159326 Autres actifs | 3528282 | 0.028236676011487633 | 0 | 0 | 0 | 0 | 0 | 0 | 3427458 | 0.028953014000464076 | 2941183 | 0.02489167863776496 | 3844501 | 0.03196434859806429 | 2461373 | 0.023776094620119013 124953871.99841 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 118380006.99841 | 1 | 118159286.99713 | 1 | 120274655.00213 | 1 | 103523015 | 1 PASSIF Dépôts À vue | 46122647 | 0.36911738918012 | 0 | 0 | 0 | 0 | 0 | 0 | 42842351 | 0.3619052920023516 | 42894374 | 0.36302160490391133 | 45584746 | 0.37900541888224676 | 38710883 | 0.373935042367149 Épargne | 39774079 | 0.3183100960689407 | 0 | 0 | 0 | 0 | 0 | 0 | 38039060 | 0.3213301043351933 | 37061115 | 0.3136538476311234 | 34124905 | 0.2837248213216298 | 28477678 | 0.2750854773694526 À terme | 12349686 | 0.09883396010455078 | 0 | 0 | 0 | 0 | 0 | 0 | 12261913 | 0.103580945050668 | 12252822 | 0.10369749438567288 | 12384406 | 0.10296771169105144 | 10890711 | 0.10520086765247322 98246412 | 0.7862614453536114 | 0 | 0 | 0 | 0 | 0 | 0 | 93143324 | 0.7868163413882129 | 92208311 | 0.7803729469207077 | 92094057 | 0.765697951894928 | 78079272 | 0.7542213873890747 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 | 4977297 | 0.039833075361308805 | 0 | 0 | 0 | 0 | 0 | 0 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 4977297 | 0.039833075361308805 | 0 | 0 | 0 | 0 | 0 | 0 | 4169893 | 0.03522463890423665 | 4774339 | 0.04040595641133113 | 4414910 | 0.0367069022141183 | 2949874 | 0.028494861746443532 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2043399 | 0.017261352248673593 | 2351169 | 0.01989830050393845 | 6112028 | 0.05081725655244456 | 7440513 | 0.07187303229141849 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 8789041 | 0.07033828451599994 | 0 | 0 | 0 | 0 | 0 | 0 | 6756640 | 0.05707585403412546 | 6513249 | 0.05512261596634551 | 6491592 | 0.05397306689331212 | 5251196 | 0.050724913682237714 8789041 | 0.07033828451599994 | 0 | 0 | 0 | 0 | 0 | 0 | 8800039 | 0.07433720628279905 | 8864418 | 0.07502091647028396 | 12603620 | 0.10479032344575669 | 12691709 | 0.1225979459736562 Autres passifs | 1190250 | 0.009525515143821599 | 0 | 0 | 0 | 0 | 0 | 0 | 896130 | 0.007569943799817787 | 850695 | 0.007199561046950653 | 1319464 | 0.010970424317381188 | 1099856 | 0.010624265531679115 113203000 | 0.9059583203747418 | 0 | 0 | 0 | 0 | 0 | 0 | 107009386 | 0.9039481303750664 | 106697763 | 0.9029993808492734 | 110432051 | 0.9181656018721842 | 94820711 | 0.9159384606408536 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0.02400885984580113 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0.025342117102935244 | 3000000 | 0.02538945584592828 | 3000000 | 0.024942910873008713 | 3000000 | 0.028979063254678198 Réserves | 1623185 | 0.01299027372293557 | 0 | 0 | 0 | 0 | 0 | 0 | 1623185 | 0.013711648116575981 | 2967392 | 0.025113489387186938 | 2148479 | 0.017863106736510294 | 2106357 | 0.020346750913311402 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 | 7127687 | 0.05704254606924624 | 0 | 0 | 0 | 0 | 0 | 0 | 6747436 | 0.05699810441885366 | 5494132 | 0.04649767394190055 | 4694125 | 0.03902838050058734 | 3595947 | 0.034735725191156766 11750872 | 0.09404167963798293 | 0 | 0 | 0 | 0 | 0 | 0 | 11370621 | 0.09605186963836489 | 11461524 | 0.09700061917501576 | 9842604 | 0.08183439811010634 | 8702304 | 0.08406153935914637 124953872 | 1.0000000000127247 | 0 | 0 | 0 | 0 | 0 | 0 | 118380007 | 1.0000000000134313 | 118159287 | 1.0000000000242892 | 120274655 | 0.9999999999822905 | 103523015 | 1 [bncgdes&$ ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 5446314 | 2592195 | 8038509 | 0.6775278848353594 | 5110723 | 3927485 | 9038208 | 0.5654575553029981 Avoirs à la BRH | 15385786 | 26970725 | 42356511 | 0.36324488577446806 | 13717556 | 21717773 | 35435329 | 0.38711524309538653 Avoirs à l'étranger | 1901499 | 0 | 1901499 | 0 | 2046647 | 0 | 2046647 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 62728 | 404801 | 467529 | 0.13416921731058395 | 67495 | 295820 | 363315 | 0.18577542903541006 22796327 | 29967721 | 52764048 | 0.43204279929394346 | 20942421 | 25941078 | 46883499 | 0.446690657623485 Bons B.R.H. | 15000000 | 15000000 | 0 | 14900000 | 14900000 | 0 Bons du Trésor / M.E.F. | 0 | 18883000 | 18883000 | 0 | 0 | 17455000 | 17455000 | 0 Autres Placements | 16233703 | -32428 | 16201275 | 1.0020015708640215 | 16673368 | 367572 | 17040940 | 0.9784300631303203 Portefeuille net | 5049173 | 10680502 | 15729675 | 0.32099665123405285 | 4867965 | 10933899 | 15801864 | 0.3080627070325374 Immobilisations | 0 | 2847591.9984100005 | 2847591.9984100005 | 0 | 0 | 2871245.9984100005 | 2871245.9984100005 | 0 Autres actifs | 349308 | 3178974 | 3528282 | 0.0990022906332317 | 599008 | 2828450 | 3427458 | 0.17476742238708687 44428511 | 80525360.99841 | 124953871.99841 | 0.3555592979188779 | 43082762 | 75297244.99841 | 118380006.99841 | 0.36393613324062957 PASSIF Dépôts À vue | 17730258 | 28392389 | 46122647 | 0.38441544779509296 | 16845203 | 25997148 | 42842351 | 0.3931904437270494 Épargne | 16135498 | 23638581 | 39774079 | 0.4056787336295078 | 15973481 | 22065579 | 38039060 | 0.4199231263864039 À terme | 6648977 | 5700709 | 12349686 | 0.5383923931345299 | 6616811 | 5645102 | 12261913 | 0.5396230588163528 40514733 | 57731679 | 98246412 | 0.4123787543508459 | 39435495 | 53707829 | 93143324 | 0.4233850941372889 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 | 1200188 | 3777109 | 4977297 | 0.24113248616668848 | 901653 | 3268240 | 4169893 | 0.2162292893366808 1200188 | 3777109 | 4977297 | 0.24113248616668848 | 901653 | 3268240 | 4169893 | 0.2162292893366808 Obligations à terme Banques locales | 0 | 0 | 0 | 2043399 | 2043399 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2729019 | 6060022 | 8789041 | 0.3105024768913924 | 2749321 | 4007319 | 6756640 | 0.4069065393449999 2729019 | 6060022 | 8789041 | 0.3105024768913924 | 2749321 | 6050718 | 8800039 | 0.3124214563140004 Autres passifs | 0 | 1190250 | 1190250 | 0 | 0 | 896130 | 896130 | 0 44443940 | 68759060 | 113203000 | 0.39260390625690134 | 43086469 | 63922917 | 107009386 | 0.40264196077155323 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 1623185 | 1623185 | 0 | 0 | 1623185 | 1623185 | 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 | 7127687 | 7127687 | 0 | 0 | 6747436 | 6747436 | 0 0 | 11750872 | 11750872 | 0 | 0 | 11370621 | 11370621 | 0 44443940 | 80509932 | 124953872 | 0.35568277548053895 | 43086469 | 75293538 | 118380007 | 0.36396744764510786 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes [bncrésult ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 447582 | 0 | 0 | 0 | 0 | 0 | 0 | 532071 | -0.06692339932076734 | 496463 | 0.009666379971921372 | 501262 | -0.04916590525513604 | 476617 Intérêts sur bons B.R.H. | 296546 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11136 | 0 | 107869 | 1.2248560754248208 | 239993 Autres | 783447 | 0 | 0 | 0 | 0 | 0 | 0 | 1087428 | 0.00491986595894165 | 1092778 | -0.04629943135751269 | 1042183 | -0.17652945787831886 | 858207 1527575 | 0 | 0 | 0 | 0 | 0 | 0 | 1619499 | -0.011807355237638307 | 1600377 | 0.03182812549792955 | 1651314 | -0.04632492669474128 | 1574817 Dépenses d'intérêt | 168300 | 0 | 0 | 0 | 0 | 0 | 0 | 168425 | -0.0365978922369007 | 162261 | 0.015247040262293465 | 164735 | -0.036452484292955355 | 158730 1359275 | 0 | 0 | 0 | 0 | 0 | 0 | 1451074 | -0.008929937411875618 | 1438116 | 0.03369895057144208 | 1486579 | -0.04741893972671483 | 1416087 AUTRES REVENUS Commissions | 217710 | 0 | 0 | 0 | 0 | 0 | 0 | 264052 | -0.36030403102419223 | 168913 | 0.2471272193377656 | 210656 | 0.09538774115145071 | 230750 Gains sur change | 67594 | 0 | 0 | 0 | 0 | 0 | 0 | 65950 | -0.16776345716451857 | 54886 | 0.09672776299967205 | 60195 | -0.07809618739097932 | 55494 Autres | 13912 | 0 | 0 | 0 | 0 | 0 | 0 | 17534 | -0.14109729668073456 | 15060 | 0.013545816733067729 | 15264 | 1.0932914046121593 | 31952 299216 | 0 | 0 | 0 | 0 | 0 | 0 | 347536 | -0.31270717278210025 | 238859 | 0.1978405670290841 | 286115 | 0.11212624294427066 | 318196 PRODUIT NET BANCAIRE | 1658491 | 0 | 0 | 0 | 0 | 0 | 0 | 1798610 | -0.06762722324461667 | 1676975 | 0.05707837027981932 | 1772694 | -0.02166815028425662 | 1734283 Dotation à la provision pour créances douteuses | 170000 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 200000 | 0 | 270000 | -0.1111111111111111 | 240000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1488491 | 0 | 0 | 0 | 0 | 0 | 0 | 1498610 | -0.014436711352520002 | 1476975 | 0.017413294063880567 | 1502694 | -0.005597280617344582 | 1494283 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 774761 | 0 | 0 | 0 | 0 | 0 | 0 | 715518 | 0.010518253908357303 | 723044 | -0.023340211660701146 | 706168 | -0.11222117116606813 | 626921 Frais de locaux | 32044 | 0 | 0 | 0 | 0 | 0 | 0 | 36516 | 0.3243509694380545 | 48360 | 0.34276261373035566 | 64936 | -0.10337871134655661 | 58223 Amortissement | 57395 | 0 | 0 | 0 | 0 | 0 | 0 | 53436 | 0.08430646006437607 | 57941 | -0.021780776997290346 | 56679 | 0.014449796220822526 | 57498 Autres dépenses d'exploitation | 244040 | 0 | 0 | 0 | 0 | 0 | 0 | 256074 | 0.003670813905355483 | 257014 | 0.2235131160170263 | 314460 | 0.6686001399224066 | 524708 1108240 | 0 | 0 | 0 | 0 | 0 | 0 | 1061544 | 0.023376327311915475 | 1086359 | 0.051441558453513066 | 1142243 | 0.10952748233081752 | 1267350 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | 0 | 0 | 0 | 0 | 0 | 0 | 437066 | -0.10627685521179868 | 390616 | -0.07722417924508981 | 360451 | -0.3704192802905249 | 226933 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 380251 | 0 | 0 | 0 | 0 | 0 | 0 | 437066 | -0.10627685521179868 | 390616 | -0.07722417924508981 | 360451 | -0.3704192802905249 | 226933 0 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 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 | 447582 | -0.1587927175132642 | 532071 | 0 | 0 | 496463 | 0 | 0 | 501262 | 0 | 0 | 476617 | 447582 | -0.1587927175132642 | 532071 | 2006413 Intérêts sur bons B.R.H. | 296546 | 0 | 0 | 0 | 0 | 11136 | 0 | 0 | 107869 | 0 | 0 | 239993 | 296546 | 0 | 0 | 358998 Autres | 783447 | -0.2795412661803816 | 1087428 | 0 | 0 | 1092778 | 0 | 0 | 1042183 | 0 | 0 | 858207 | 783447 | -0.2795412661803816 | 1087428 | 4080596 1527575 | -0.05676076366827025 | 1619499 | 0 | 0 | 1600377 | 0 | 0 | 1651314 | 0 | 0 | 1574817 | 1527575 | -0.05676076366827025 | 1619499 | 6446007 Dépenses d'intérêt | 168300 | -0.0007421701053881549 | 168425 | 0 | 0 | 162261 | 0 | 0 | 164735 | 0 | 0 | 158730 | 168300 | -0.0007421701053881549 | 168425 | 654151 1359275 | -0.06326279707306451 | 1451074 | 0 | 0 | 1438116 | 0 | 0 | 1486579 | 0 | 0 | 1416087 | 1359275 | -0.06326279707306451 | 1451074 | 5791856 AUTRES REVENUS Commissions | 217710 | -0.17550330995409996 | 264052 | 0 | 0 | 168913 | 0 | 0 | 210656 | 0 | 0 | 230750 | 217710 | -0.17550330995409996 | 264052 | 874371 Gains sur change | 67594 | 0.024927975739196362 | 65950 | 0 | 0 | 54886 | 0 | 0 | 60195 | 0 | 0 | 55494 | 67594 | 0.024927975739196362 | 65950 | 236525 Autres | 13912 | -0.20657009239192425 | 17534 | 0 | 0 | 15060 | 0 | 0 | 15264 | 0 | 0 | 31952 | 13912 | -0.20657009239192425 | 17534 | 79810 299216 | -0.1390359559872934 | 347536 | 0 | 0 | 238859 | 0 | 0 | 286115 | 0 | 0 | 318196 | 299216 | -0.1390359559872934 | 347536 | 1190706 PRODUIT NET BANCAIRE | 1658491 | -0.0779040481260529 | 1798610 | 0 | 0 | 1676975 | 0 | 0 | 1772694 | 0 | 0 | 1734283 | 1658491 | -0.0779040481260529 | 1798610 | 6982562 Dotation à la provision pour créances douteuses | 170000 | 0 | 300000 | 0 | 0 | 200000 | 0 | 0 | 270000 | 0 | 0 | 240000 | 170000 | -0.43333333333333335 | 300000 | 1010000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1488491 | -0.006752257091571523 | 1498610 | 0 | 0 | 1476975 | 0 | 0 | 1502694 | 0 | 0 | 1494283 | 1488491 | -0.006752257091571523 | 1498610 | 5972562 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 774761 | 0.08279735799798188 | 715518 | 0 | 0 | 723044 | 0 | 0 | 706168 | 0 | 0 | 626921 | 774761 | 0.08279735799798188 | 715518 | 2771651 Frais de locaux | 32044 | -0.12246686384050827 | 36516 | 0 | 0 | 48360 | 0 | 0 | 64936 | 0 | 0 | 58223 | 32044 | -0.12246686384050827 | 36516 | 208035 Amortissement | 57395 | 0.07408862938842728 | 53436 | 0 | 0 | 57941 | 0 | 0 | 56679 | 0 | 0 | 57498 | 57395 | 0.07408862938842728 | 53436 | 225554 Autres dépenses d'exploitation | 244040 | -0.046994228230902005 | 256074 | 0 | 0 | 257014 | 0 | 0 | 314460 | 0 | 0 | 524708 | 244040 | -0.046994228230902005 | 256074 | 1352256 1108240 | 0.04398875600069333 | 1061544 | 0 | 0 | 1086359 | 0 | 0 | 1142243 | 0 | 0 | 1267350 | 1108240 | 0.04398875600069333 | 1061544 | 4557496 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -0.1299918090174024 | 437066 | 0 | 0 | 390616 | 0 | 0 | 360451 | 0 | 0 | 226933 | 380251 | -0.1299918090174024 | 437066 | 1415066 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 380251 | -0.1299918090174024 | 437066 | 0 | 0 | 390616 | 0 | 0 | 360451 | 0 | 0 | 226933 | 380251 | -0.1299918090174024 | 437066 | 1415066 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 447582 | -0.1587927175132642 | 532071 | 2006413 | -0.08309825235016244 | 2188253 | 0.04319858245680902 | 2097638.0114 | 0.023893291791855075 | 2048688.10863 Intérêts sur Bons B.R.H. | 296546 | 0 | 0 | 358998 | 69.96224550306384 | 5059 | -0.9587777551436137 | 122725 | 1.4625278407608804 | 49837 Autres | 783447 | -0.2795412661803816 | 1087428 | 4080596 | 0.027577615476684823 | 3971083 | 0.6536298728176582 | 2401434 | 0.17529472860810588 | 2043261.1 1527575 | -0.05676076366827025 | 1619499 | 6446007 | 0.045683639675913046 | 6164395 | 0.3337658457944105 | 4621797.0114 | 0.11589463545217031 | 4141786.20863 Dépenses d'intérêt | 168300 | -0.0007421701053881549 | 168425 | 654151 | 0.05426095477233059 | 620483 | 0.21464702819311166 | 510834 | -0.018877665376196427 | 520662.9 1359275 | -0.06326279707306451 | 1451074 | 5791856 | 0.044723653622207565 | 5543912 | 0.34856771628115546 | 4110963.0114 | 0.13527285900554548 | 3621123.30863 AUTRES REVENUS Commissions | 217710 | -0.17550330995409996 | 264052 | 874371 | -0.08004524172760272 | 950450 | 0.22976219896412475 | 772873 | 0.1040017712640969 | 700065 Gains sur change | 67594 | 0.024927975739196362 | 65950 | 236525 | 2.7641113995047584 | -134076 | -1.4662150884611105 | 287584 | 0.3732928389968101 | 209412 Autres | 13912 | -0.20657009239192425 | 17534 | 79810 | -0.5396736591358715 | 173377 | -0.5194530905704411 | 360791 | 4.657691704563274 | 63770 299216 | -0.1390359559872934 | 347536 | 1190706 | 0.20303591509379632 | 989751 | -0.3036042970684919 | 1421248 | 0.4603158293834967 | 973247 PRODUIT NET BANCAIRE | 1658491 | -0.0779040481260529 | 1798610 | 6982562 | 0.06870556378558246 | 6533663 | 0.18102201570698384 | 5532211.0114 | 0.2041282351595329 | 4594370.30863 Dotation à la provision pour créances douteuses | 170000 | -0.43333333333333335 | 300000 | 1010000 | 0.578125 | 640000 | 0.4883720930232558 | 430000 | -0.033707865168539325 | 445000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1488491 | -0.006752257091571523 | 1498610 | 5972562 | 0.01338709050721088 | 5893663 | 0.15511941525578588 | 5102211.0114 | 0.2296350125194298 | 4149370.30863 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 774761 | 0.08279735799798188 | 715518 | 2771651 | -0.009528591312986565 | 2798315 | 0.19603080437053463 | 2339668 | 0.1561777487121984 | 2023623.1 Frais de locaux | 32044 | -0.12246686384050827 | 36516 | 208035 | 0.5715224584145402 | 132378 | 0.19713507989762974 | 110579 | 0.06727214817245607 | 103609 Amortissement | 57395 | 0.07408862938842728 | 53436 | 225554 | 0.28345282804142485 | 175740 | 0.14145048778269964 | 153962 | -0.01839997959808222 | 156848 Autres dépenses d'exploitation | 244040 | -0.046994228230902005 | 256074 | 1352256 | 0.11080936550456273 | 1217361 | 0.22244514937625584 | 995841 | 0.5164550710294472 | 656690.07874 1108240 | 0.04398875600069333 | 1061544 | 4557496 | 0.05405021608337492 | 4323794 | 0.2010372078165581 | 3600050 | 0.22418610812439416 | 2940770.1787400004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 380251 | -0.1299918090174024 | 437066 | 1415066 | -0.09860886481610887 | 1569869 | 0.045073722514536965 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 380251 | -0.1299918090174024 | 437066 | 1415066 | -0.09860886481610887 | 1569869 | 0.045073722514536965 | 1502161.0114000002 | 0.2428933062722069 | 1208600.1298899995 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 7560246.97747 | 0 | 0 | 0 | 0 | 0 | 0 | 0.23268305751475396 | 6133163.696362 | 0.08457337798521888 | 5654908.94470912 | 0 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 Bons B.R.H. | 1300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 171676.19908000017 | 0 | 0 | 0 | 0 | 0 | 0 | -0.6069296682096661 | 436756.94957199995 | 0.40807200217933887 | 310180.8351391199 | 0 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 Dépôts | 4781307.22223 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07856448577420691 | 5188976.49202 | 0.10623030487645456 | 4690683.72937 | 0 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 Avoir des Actionnaires | 1399600.9995900001 | 0 | 0 | 0 | 0 | 0 | 0 | 4.946906545006921 | -354607.07864 | 0.010306808436094493 | -350989.49713 | 0 | -350989.49713 | -0.004444980957996317 | -349436.25961000007 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 44401.059290000005 | 0.07034291938919657 | 41483.02239 | 0 | 0 | 24230.27988000001 | 0 | 0 | 48636.102960000004 | 0 | 0 | 18183.607190000002 | 44401.059290000005 | 0.07034291938919657 | 41483.02239 Autres revenus | 2590.34919 | -0.7863006173362005 | 12121.46314 | 0 | 0 | 9179.560500000001 | 0 | 0 | 55287.0605 | 0 | 0 | 6300.16874 | 2590.34919 | -0.7863006173362005 | 12121.46314 Dot. à la prov. pr créances douteuses | 0 | -1 | 9000 | 0 | 0 | 9000 | 0 | 0 | -18000 | 0 | 0 | 0 | 0 | 0 | 9000 Dépenses d'exploitation | 63017.31897 | -0.1898531411526369 | 77785.05622999999 | 0 | 0 | 62922.280340000005 | 0 | 0 | 57633.990860000005 | 0 | 0 | 55620.949720000004 | 63017.31897 | -0.1898531411526369 | 77785.05622999999 Bénéfice (perte) net | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | 0 | 0 | -38512.439959999996 | 0 | 0 | 64289.172600000005 | 0 | 0 | -31137.17379 | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.18512635946430017 | -0.1037405642990399 | 0 | -0.10795244099006078 | 0 | -0.09662373789722041 | 0 | -0.10344990964757711 | 0.18512635946430017 | -0.1037405642990399 | -0.10344990964757711 | -0.06686489273143852 | -0.062068107649796 | -0.06988296413271866 Dépôts en % de l'actif | 0.6324273845125151 | 0.8576755910829691 | 0 | 0.8586154246883387 | 0 | 0.8425195975138358 | 0 | 0.8414350207480251 | 0.6324273845125151 | 0.8576755910829691 | 0.8414350207480251 | 0.850869114226354 | 0.8294888167489815 | 0.8208956876052808 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.9322462463523669 | 0.9124819160739528 | 0 | 0.9204950581095075 | 0 | 0.9226256772917395 | 0 | 0.9382284066400062 | 0.9322462463523669 | 0.9124819160739528 | 0.9382284066400062 | 0.9078580468580435 | 0.8837942060835163 | 0.8479007695801347 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.9316074566646522 | 0.9139952304133397 | 0 | 0.9182333327027283 | 0 | 0.9269091510677405 | 0 | 0.9232978904696956 | 0.9316074566646522 | 0.9139952304133397 | 0.9232978904696956 | 0.864907141465704 | 0.8711693742290048 | 0.8961444012475123 Prêts improductifs nets en % de l'avoir des actionnaires | NA | NA | 0 | NA | 0 | N/A | 0 | N/A | NA | NA | NA | N/A | N/A | N/A Rentabilité ROA (rendement de l'actif) | -0.009851268315057438 | -0.023833784854414883 | 0 | -0.02821149031739372 | 0 | 0.04654032336713623 | 0 | -0.02270476536473646 | -0.009851268315057438 | -0.023833784854414883 | -0.00687979387098508 | -0.013153830039779876 | -0.008179240704489846 | -0.01696378627100233 ROE (rendement avoir des action.) | -0.1534717185681187 | -0.28138371738343704 | 0 | -0.2664609483969341 | 0 | 0.45495450126525466 | 0 | -0.22700859435131782 | -0.1534717185681187 | -0.28138371738343704 | -0.08125028551912283 | -0.2039780027757108 | -0.12442656964191413 | -0.24028951709875565 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7077346710389653 | 0.7053088664254933 | 0 | 0.4372605300123484 | 0 | 0.6085503603294993 | 0 | 0.36600263372803415 | 0.7077346710389653 | 0.7053088664254933 | 0.5435420977459703 | 0.8248298888818657 | 0.8040760696012017 | 0.7160007339410267 Rendement moyen des prêts | 0.012147547117744042 | 0.011675318706338892 | 0 | 0.011818478458983905 | 0 | 0.09292569810673944 | 0 | 0.019068412025028004 | 0.012147547117744042 | 0.011675318706338892 | 0.033756721476318904 | 0.02563961706888353 | 0.0184541692292859 | 0.02910772446253817 Rendement moyen des prêts productifs | 0.18758929080732253 | 0.12994251715626262 | 0 | 0.14150442253314507 | 0 | 1.1844393230973453 | 0 | 0.27386605387353063 | 0.18758929080732253 | 0.12994251715626262 | 0.43585208442128304 | 0.24665174140256527 | 0.1382750432870205 | 0.1756920006057282 Rémunération moyenne des dépôts | 0.015654020735884212 | 0.014575628662535223 | 0 | 0.026618672976353827 | 0 | 0.026626537793011978 | 0 | 0.02727841400242722 | 0.015654020735884212 | 0.014575628662535223 | 0.023476402361626635 | 0.008833825763133048 | 0.009276072555108485 | 0.014843405159227984 Dépenses d'exploitation en % du produit net bancaire | 1.3410391603141834 | 1.451092300596136 | 0 | 1.8833457336020947 | 0 | 0.5545827218989856 | 0 | 2.2717472124815346 | 1.3410391603141834 | 1.451092300596136 | 1.1789099687829194 | 1.1955920043491077 | 1.0354164764976057 | 1.181564322333451 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1347.4238990681006 | 1715.34353696 | 0 | 1069.1148921600002 | 0 | 3325.5412307200004 | 0 | 739.1328582641511 | 1347.4238990681006 | 1715.34353696 | 1625.820870188679 | 2144.556142795699 | 1638.5794736398464 | 1276.8962666165414 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 284350.56591 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0023279229723918854 | 285014.05668 | -0.39785123242982184 | 473328.30694 | -0.33419587564406544 | 710912.24825 | 1.2839135849939394 | 311269.32863 Avoirs à la BRH | 1681339.59246 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08771862568648496 | 1843005.50225 | 0.20549988963860022 | 1528830.91744 | 0.016687712457103206 | 1503736.9869900001 | 0.03911636210513871 | 1447130.5060999999 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 | 43562.7209 | 0 | 0 | 0 | 0 | 0 | 0 | 0.9106763483567053 | 22799.633719999998 | 2.4895692436523054 | 6533.65276 | -0.8830463642081198 | 55865.324029999996 | -0.31611259046905577 | 81687.89665 2009252.87927 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0658197183025773 | 2150819.1926499996 | 0.07075562278707372 | 2008692.87714 | -0.11531380896063452 | 2270514.55927 | 0.2339164706930553 | 1840087.7313799998 Bons B.R.H. | 1300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 2490000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6223612197028929 | 1534800 | -0.1900791556728232 | 1895000 | 0.10495626822157435 | 1715000 | 0.1078811369509044 | 1548000 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 171676.19908000017 | 0 | 0 | 0 | 0 | 0 | 0 | -0.020950144410095257 | 175349.8027703201 | -0.4165284151858363 | 300528.43588976003 | -0.031118619063072128 | 310180.8351391199 | 0.03488718909236587 | 299724.2969170001 Immobilisations | 352577.11397999997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0033089258651285004 | 351414.31007999997 | 0.19615070713625063 | 293787.65399999986 | 0.1920960696066227 | 246446.29027 | -0.2895195091152242 | 346872.70577 Autres actifs | 1236740.78514 | 0 | 0 | 0 | 0 | 0 | 0 | -0.003963304360634624 | 1241661.86904 | -0.008308030349338181 | 1252064.0552100001 | 0.12518052982278138 | 1112767.26003 | 0.15238385513581038 | 965622.04952 7560246.97747 | 0 | 0 | 0 | 0 | 0 | 0 | 0.386172416165804 | 5454045.17454032 | -0.051482450145325584 | 5750073.0222397605 | 0.016828578224885152 | 5654908.94470912 | 0.13091239986930125 | 5000306.783586999 PASSIF Dépôts | 0 | 0 | 0 à vue | 1993650.9686699999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05004256649838101 | 1898638.2383700002 | -0.14349878217693338 | 2216737.34825 | 0.054434094820035486 | 2102300.52228 | 0.1636145494406905 | 1806698.38074 Épargne | 600010.13213 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06484976934935892 | 563469.27933 | -0.03752630740521581 | 585438.6293 | 0.00017922779124967338 | 585333.72123 | 0.12332685279925207 | 521071.6006400001 À terme | 2187646.12143 | 0 | 0 | 0 | 0 | 0 | 0 | 0.028455896771368564 | 2127117.0969000002 | 0.01757262923151411 | 2090383.56162 | 0.04360055823708403 | 2003049.48586 | 0.12723367689037227 | 1776960.29397 4781307.22223 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04185513322205118 | 4589224.614600001 | -0.06199923008427165 | 4892559.53917 | 0.043037608469738725 | 4690683.72937 | 0.14275078134580654 | 4104730.27535 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 | 292689.79441000003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.19289549738640607 | 362641.75638000004 | 0.23876204511382815 | 292745.29181 | -0.1320641165982629 | 337289.07562 | 0.1757971590961116 | 286859.91713 292689.79441000003 | 0 | 0 | 0 | 0 | 0 | 0 | -0.19289549738640607 | 362641.75638000004 | 0.23876204511382815 | 292745.29181 | -0.1320641165982629 | 337289.07562 | 0.1757971590961116 | 286859.91713 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 | 1037834.48537 | 0 | 0 | 0 | 0 | 0 | 0 | -0.001029071560380336 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001 1037834.48537 | 0 | 0 | 0 | 0 | 0 | 0 | -0.001029071560380336 | 1038903.5915099999 | 0.14080895963919626 | 910672.71407 | -0.045122881159008976 | 953706.70854 | 0.016375286830606 | 938341.1038200001 Autres passifs | 48814.475869999995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.7753499490267606 | 27495.69227 | -0.2871868706382453 | 38573.493019999994 | 0.5927002436384845 | 24218.928310000003 | 0.22245290381890295 | 19811.747539999997 6160645.97788 | 0 | 0 | 0 | 0 | 0 | 0 | 0.023658032278350265 | 6018265.654760001 | -0.01895580990171096 | 6134551.03807 | 0.021421040911005582 | 6005898.44184 | 0.12265175964956596 | 5349743.0438399995 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 58117.833620000005 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 58117.833620000005 | -0.7561060633521342 | 238291.42462 | 0 | 238291.42462 | 0.5834479743300224 | 150488.951 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 2014325 | 0 | 0 | 0 | 0 | 0 | 0 | 36.43957065895661 | 53802.03257 | -0.7753587642130965 | 239502.03257 | 1.2957300030673378 | 104325 | -0.4015488312060806 | 174325 BNR | -837841.83403 | 0 | 0 | 0 | 0 | 0 | 0 | 0.003921477186181478 | -841140.3467100001 | -0.1811898132076098 | -1027271.47302 | 0.19644116933904673 | -858605.92175 | 0.02306309953253562 | -839250.2106100001 1399600.9995900001 | 0 | 0 | 0 | 0 | 0 | 0 | 3.4805923356417194 | -564220.4805200001 | 0.46749737901652766 | -384478.01583000005 | 0.09541174016268797 | -350989.49713 | 0.004444980957996317 | -349436.25961000007 7560246.97747 | 0 | 0 | 0 | 0 | 0 | 0 | 0.38617241624213156 | 5454045.1742400015 | -0.05148245019759379 | 5750073.02224 | 0.016828578224769224 | 5654908.94471 | 0.13091239972405086 | 5000306.784229999 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 | 182052.65643 | 0 | 0 | 0 | 296906.431453107 | 248905.123197079 | 224784.359406334 | 202711.42267 Portefeuille brut | 1305398.88063 | 0 | 0 | 0 | 0 | 0 | 0 | -0.004399097933119858 | 1311166.83193032 | -0.06291160133473502 | 1399192.2574197599 | 0.03780087659373862 | 1348228.0550891198 | 0.0802874296785037 | 1248027.1620770001 Provisions pour créances douteuses | 1133722.6815499999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0018439128453188822 | 1135817.02916 | 0.033816720731060845 | 1098663.8215299998 | 0.058394840249097385 | 1038047.2199499999 | 0.09463680653844488 | 948302.86516 Portefeuille de crédit improductif | 1216953.206459899 | 0 | 0 | 0 | 0 | 0 | 0 | -0.010747066227974047 | 1230173.9675612089 | -0.0315634055309284 | 1270267.95 | 0.06605799219611959 | 1191556.143567012 | 0.1260182859929372 | 1058203.1911819999 [bphcomp ] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 284350.56591 | 0.03761127999619353 | 0 | 0 | 0 | 0 | 0 | 0 | 285014.05668 | 0.0522573699995108 | 473328.30694 | 0.08231692103896618 | 710912.24825 | 0.12571594966443234 | 311269.32863 | 0.06225004626750304 Avoirs à la BRH | 1681339.59246 | 0.22239215166786153 | 0 | 0 | 0 | 0 | 0 | 0 | 1843005.50225 | 0.33791533499818005 | 1528830.91744 | 0.26588026126396774 | 1503736.9869900001 | 0.2659170999379107 | 1447130.5060999999 | 0.28940834407401944 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 | 43562.7209 | 0.005762076428166908 | 0 | 0 | 0 | 0 | 0 | 0 | 22799.633719999998 | 0.0041803162589172365 | 6533.65276 | 0.0011362730064000163 | 55865.324029999996 | 0.009879084628280186 | 81687.89665 | 0.01633657697126349 2009252.87927 | 0.26576550809222194 | 0 | 0 | 0 | 0 | 0 | 0 | 2150819.1926499996 | 0.3943530212566081 | 2008692.87714 | 0.3493334553093339 | 2270514.55927 | 0.4015121342306232 | 1840087.7313799998 | 0.36799496731278597 Bons B.R.H. | 1300000 | 0.17195205445987144 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 2490000 | 0.3293543196962153 | 0 | 0 | 0 | 0 | 0 | 0 | 1534800 | 0.28140580997834447 | 1895000 | 0 | 1715000 | 0 | 1548000 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 171676.19908000017 | 0.02270775010282148 | 0 | 0 | 0 | 0 | 0 | 0 | 175349.8027703201 | 0.032150412612799634 | 300528.43588976003 | 0.052265151195018844 | 310180.8351391199 | 0.05485160560000407 | 299724.2969170001 | 0.05994118158926063 Immobilisations | 352577.11397999997 | 0.04663566084953327 | 0 | 0 | 0 | 0 | 0 | 0 | 351414.31007999997 | 0.06443186640998404 | 293787.65399999986 | 0.05109285618873134 | 246446.29027 | 0.043580947576632785 | 346872.70577 | 0.06937028482103828 Autres actifs | 1236740.78514 | 0.1635847067993365 | 0 | 0 | 0 | 0 | 0 | 0 | 1241661.86904 | 0.22765888974226367 | 1252064.0552100001 | 0.21774750518251643 | 1112767.26003 | 0.19677898811635755 | 965622.04952 | 0.19311256115115907 7560246.97747 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5454045.17454032 | 1 | 5750073.0222397605 | 1 | 5654908.94470912 | 1 | 5000306.783586999 | 1 PASSIF Dépôts À vue | 1993650.9686699999 | 0.26370183072209175 | 0 | 0 | 0 | 0 | 0 | 0 | 1898638.2383700002 | 0.3481156055019331 | 2216737.34825 | 0.38551464297518423 | 2102300.52228 | 0.37176558328971276 | 1806698.38074 | 0.361317506891838 Épargne | 600010.13213 | 0.07936382685884033 | 0 | 0 | 0 | 0 | 0 | 0 | 563469.27933 | 0.1033121767968287 | 585438.6293 | 0.1018141208008452 | 585333.72123 | 0.1035089560155789 | 521071.6006400001 | 0.10420792627171693 À terme | 2187646.12143 | 0.28936172693158296 | 0 | 0 | 0 | 0 | 0 | 0 | 2127117.0969000002 | 0.3900072384492632 | 2090383.56162 | 0.3635403504503247 | 2003049.48586 | 0.3542142774436899 | 1776960.29397 | 0.3553702544417259 4781307.22223 | 0.6324273845125151 | 0 | 0 | 0 | 0 | 0 | 0 | 4589224.614600001 | 0.8414350207480251 | 4892559.53917 | 0.850869114226354 | 4690683.72937 | 0.8294888167489815 | 4104730.27535 | 0.8208956876052808 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 | 292689.79441000003 | 0.03871431651402839 | 0 | 0 | 0 | 0 | 0 | 0 | 362641.75638000004 | 0.06649042037143822 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 292689.79441000003 | 0.03871431651402839 | 0 | 0 | 0 | 0 | 0 | 0 | 362641.75638000004 | 0.06649042037143822 | 292745.29181 | 0.05091157811000638 | 337289.07562 | 0.059645359265347045 | 286859.91713 | 0.057368463485398265 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 | 1037834.48537 | 0.13727520919128838 | 0 | 0 | 0 | 0 | 0 | 0 | 1038903.5915099999 | 0.19048312917532098 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 1037834.48537 | 0.13727520919128838 | 0 | 0 | 0 | 0 | 0 | 0 | 1038903.5915099999 | 0.19048312917532098 | 910672.71407 | 0.1583758520192281 | 953706.70854 | 0.168651116731475 | 938341.1038200001 | 0.18765670676447488 Autres passifs | 48814.475869999995 | 0.0064567303178679385 | 0 | 0 | 0 | 0 | 0 | 0 | 27495.69227 | 0.005041339297729121 | 38573.493019999994 | 0.006708348375891564 | 24218.928310000003 | 0.00428281490414799 | 19811.747539999997 | 0.003962106406156928 6160645.97788 | 0.8148736405356999 | 0 | 0 | 0 | 0 | 0 | 0 | 6018265.654760001 | 1.1034499095925134 | 6134551.03807 | 1.06686489273148 | 6005898.44184 | 1.0620681076499516 | 5349743.0438399995 | 1.0698829642613108 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.021824683835291375 | 0 | 0 | 0 | 0 | 0 | 0 | 165000 | 0.030252774724020614 | 165000 | 0.028695287757533456 | 165000 | 0.0291781886522467 | 165000 | 0.03299797535255153 Réserves | 58117.833620000005 | 0.007687292993627684 | 0 | 0 | 0 | 0 | 0 | 0 | 58117.833620000005 | 0.010655913502751344 | 238291.42462 | 0.04144146060377874 | 238291.42462 | 0.04213886146530293 | 150488.951 | 0.030095943611692936 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 | 2014325 | 0.26643640161529275 | 0 | 0 | 0 | 0 | 0 | 0 | 53802.03257 | 0.009864610733543212 | 239502.03257 | 0.04165199844309273 | 104325 | 0.01844857291603416 | 174325 | 0.03486286092929421 BNR | -837841.83403 | -0.11082201897991165 | 0 | 0 | 0 | 0 | 0 | 0 | -841140.3467100001 | -0.15422320860789226 | -1027271.47302 | -0.17865363953584343 | -858605.92175 | -0.1518337306833798 | -839250.2106100001 | -0.16783974402625731 1399600.9995900001 | 0.18512635946430017 | 0 | 0 | 0 | 0 | 0 | 0 | -564220.4805200001 | -0.10344990964757711 | -384478.01583000005 | -0.06686489273143852 | -350989.49713 | -0.062068107649796 | -349436.25961000007 | -0.06988296413271866 7560246.97747 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 5454045.1742400015 | 0.9999999999449365 | 5750073.02224 | 1.0000000000000415 | 5654908.94471 | 1.0000000000001557 | 5000306.784229999 | 1.000000000128592 [bphgdes&$] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 13467.97256 | 270882.59335 | 284350.56591 | 0.047363973118529884 | 51708.89733 | 233305.15935 | 285014.05668 | 0.18142577924869246 Avoirs à la BRH | 860066.51509 | 821273.07737 | 1681339.59246 | 0.5115364670807641 | 1021575.2942 | 821430.20805 | 1843005.50225 | 0.5542985590400182 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 | 10535.58478 | 33027.13612 | 43562.7209 | 0.24184863944070123 | 9644.90458 | 13154.72914 | 22799.633719999998 | 0.4230289266243529 884070.0724300001 | 1125182.8068399997 | 2009252.87927 | 0.4399994055258986 | 1082929.09611 | 1067890.09654 | 2150819.19265 | 0.5034961096733265 Bons B.R.H. | 0 | 1300000 | 1300000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 2490000 | 2490000 | 0 | 1534800 | 1534800 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 627356.6148999999 | -455680.41581999994 | 171676.19908 | 3.65430163448374 | 634323.64644032 | -458973.84367 | 175349.80277031998 | 3.6174756767259204 Immobilisations | 0 | 352577.11397999997 | 352577.11397999997 | 0 | 0 | 351414.31007999997 | 351414.31007999997 | 0 Autres actifs | 1180571.46376 | 56169.32138 | 1236740.78514 | 0.9545827856128787 | 1190702.1714199998 | 50959.69762 | 1241661.8690399998 | 0.9589584742105354 2691998.15109 | 4868248.8263799995 | 7560246.977469999 | 0.3560727789862315 | 2907954.9139703196 | 2546090.2605700004 | 5454045.17454032 | 0.5331739692118352 PASSIF Dépôts À vue | 936531.20827 | 1057119.7604 | 1993650.9686699999 | 0.46975685462876016 | 1063863.90861 | 834774.3297600001 | 1898638.2383700002 | 0.5603299707707023 Épargne | 245870.53313000003 | 354139.599 | 600010.13213 | 0.4097773020218415 | 247206.03989 | 316263.23944000003 | 563469.27933 | 0.43872141562702993 À terme | 1402449.38214 | 785196.73929 | 2187646.12143 | 0.6410768946593886 | 1405675.0903600003 | 721442.00654 | 2127117.0969000002 | 0.6608357821055507 2584851.12354 | 2196456.09869 | 4781307.22223 | 0.5406159870928408 | 2716745.03886 | 1872479.5757400002 | 4589224.614600001 | 0.5919834540713134 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 | 27358.010019999998 | 265331.78439 | 292689.79441 | 0.09347100767605476 | 43896.58337 | 318745.17301 | 362641.75638000004 | 0.12104668753038537 27358.010019999998 | 265331.78439 | 292689.79441 | 0.09347100767605476 | 43896.58337 | 318745.17301 | 362641.75638000004 | 0.12104668753038537 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 | 8797.36275 | 1029037.12262 | 1037834.48537 | 0.008476652948050419 | 6429.21063 | 1032474.3808800001 | 1038903.59151 | 0.006188457410812709 8797.36275 | 1029037.12262 | 1037834.48537 | 0.008476652948050419 | 6429.21063 | 1032474.3808800001 | 1038903.59151 | 0.006188457410812709 Autres passifs | 4960.55004 | 43853.92583 | 48814.47587 | 0.10162047121453606 | 5433.06951 | 22062.622760000002 | 27495.692270000003 | 0.19759711654643128 2625967.04635 | 3534678.93153 | 6160645.97788 | 0.42624865245927457 | 2772503.9023700003 | 3245761.7523900005 | 6018265.654760001 | 0.4606815420614003 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 0 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 58117.833620000005 | 0 | 0 | 0 | 58117.833620000005 | 238291.42462 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 2014325 | 0 | 0 | 0 | 53802.03257 | 104325 | 0 BNR | 0 | -837841.83403 | 0 | 0 | 0 | -841140.3467100001 | -858605.92175 | 0 0 | 1399600.9995900001 | 1399600.9995900001 | 0 | 0 | -564220.4805200001 | -564220.4805200001 | 0 0 2625967.04635 | 4934279.931120001 | 7560246.977470001 | 0.3473387912029253 | 2772503.9023700003 | 2681541.2718700003 | 5454045.174240001 | 0.5083390059665829 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes [BPHRÉSULT ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 3973.1069100000004 | 0 | 0 | 0 | 0 | 0 | 0 | 4049.22928 | 0.0013958532869248633 | 4054.8814100000004 | 6.731031761542933 | 31348.41697 | -0.799227795584601 | 6293.890780000001 Intérêts sur Bons B.R.H. | 3987.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 54776.26484 | 0 | 0 | 0 | 0 | 0 | 0 | 54766.169709999995 | -0.06221400835665622 | 51358.94677 | -0.05424795610542855 | 48572.82888 | -0.1067487817687097 | 43387.73857 62736.871750000006 | 0 | 0 | 0 | 0 | 0 | 0 | 58815.398989999994 | -0.05783469751821861 | 55413.828180000004 | 0.44226176885655477 | 79921.24585 | -0.3783676815643634 | 49681.62935 Dépenses d'intérêt | 18335.81246 | 0 | 0 | 0 | 0 | 0 | 0 | 17332.3766 | 0.7991501696310935 | 31183.548299999995 | 0.003257954772260611 | 31285.14289 | 0.0068044845039862715 | 31498.02216 44401.059290000005 | 0 | 0 | 0 | 0 | 0 | 0 | 41483.02239 | -0.41589887901125977 | 24230.27988000001 | 1.0072447863115639 | 48636.102960000004 | -0.6261294371188657 | 18183.607190000002 AUTRES REVENUS Commissions | 4653.06999 | 0 | 0 | 0 | 0 | 0 | 0 | 8795.73857 | -0.06216058101872388 | 8248.99035 | -0.32896161892103554 | 5535.3891300000005 | -0.2921004995361546 | 3918.4992 Gains sur change | -2592.10153 | 0 | 0 | 0 | 0 | 0 | 0 | 238.34571999999986 | 1.868719815904394 | 683.7470899999998 | 1.7120533558687616 | 1854.3585899999998 | -0.17748160564780507 | 1525.24405 Autres | 529.38073 | 0 | 0 | 0 | 0 | 0 | 0 | 3087.37885 | -0.9200541715183415 | 246.82306 | 193.0552587752538 | 47897.31278 | -0.9821195503402519 | 856.42549 2590.34919 | 0 | 0 | 0 | 0 | 0 | 0 | 12121.46314 | -0.24270194167335465 | 9179.560500000001 | 5.022843958596928 | 55287.0605 | -0.8860462342721223 | 6300.16874 PRODUIT NET BANCAIRE | 46991.408480000006 | 0 | 0 | 0 | 0 | 0 | 0 | 53604.48553 | -0.37673424062055333 | 33409.84038000001 | 2.1105555213071625 | 103923.16346000001 | -0.7644050169871532 | 24483.775930000003 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9000 | 0 | 9000 | -3 | -18000 | 1 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 46991.408480000006 | 0 | 0 | 0 | 0 | 0 | 0 | 44604.48553 | -0.4527492002215229 | 24409.84038000001 | 3.9948365725445996 | 121923.16346000001 | -0.7991868383727385 | 24483.775930000003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 36063.301250000004 | 0 | 0 | 0 | 0 | 0 | 0 | 34882.44141 | 0.004848833773186465 | 35051.580570000006 | -0.14713969687330444 | 29894.101629999997 | 0.0398118861282537 | 31084.2422 Frais de locaux | 4818.40206 | 0 | 0 | 0 | 0 | 0 | 0 | 4933.73153 | -0.0037040179200832778 | 4915.4569 | 0.001204836116048659 | 4921.379220000001 | -0.013219905862080801 | 4856.31905 Amortissement | 1822.19106 | 0 | 0 | 0 | 0 | 0 | 0 | 1832.6163499999998 | 0.003578212100967092 | 1839.17384 | 0.19205106788600274 | 2192.38914 | -0.3710593366650229 | 1378.8826800000002 Autres dépenses d'exploitation | 20313.4246 | 0 | 0 | 0 | 0 | 0 | 0 | 36136.26694 | -0.4156543877357134 | 21116.06903 | -0.023202621629239688 | 20626.120870000002 | -0.11270248509893462 | 18301.505790000003 63017.31897 | 0 | 0 | 0 | 0 | 0 | 0 | 77785.05622999999 | -0.19107495205830727 | 62922.280340000005 | -0.08404478431844448 | 57633.990860000005 | -0.03492801921161288 | 55620.949720000004 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -16025.910489999995 | 0 | 0 | 0 | 0 | 0 | 0 | -33180.57069999999 | -0.16069251213934088 | -38512.439959999996 | 2.6693092586907605 | 64289.172600000005 | -1.4843299817176367 | -31137.17379 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | -16025.910489999995 | 0 | 0 | 0 | 0 | 0 | 0 | -33180.57069999999 | -0.16069251213934088 | -38512.439959999996 | 2.6693092586907605 | 64289.172600000005 | -1.4843299817176367 | -31137.17379 0 | 0 | 0 0 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 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 | 3973.1069100000004 | -0.01879922442919794 | 4049.22928 | 0 | 0 | 4054.8814100000004 | 0 | 0 | 31348.41697 | 0 | 0 | 6293.890780000001 | 3973.1069100000004 | -0.01879922442919794 | 4049.22928 | 45746.41844 Intérêts sur Bons B.R.H. | 3987.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3987.5 | 0 | 0 | 0 Autres | 54776.26484 | 0.0001843314961310044 | 54766.169709999995 | 0 | 0 | 51358.94677 | 0 | 0 | 48572.82888 | 0 | 0 | 43387.73857 | 54776.26484 | 0.0001843314961310044 | 54766.169709999995 | 198085.68393 62736.871750000006 | 0.06667425244648523 | 58815.398989999994 | 0 | 0 | 55413.828180000004 | 0 | 0 | 79921.24585 | 0 | 0 | 49681.62935 | 62736.871750000006 | 0.06667425244648523 | 58815.398989999994 | 243832.10237 Dépenses d'intérêt | 18335.81246 | 0.05789372589561673 | 17332.3766 | 0 | 0 | 31183.548299999995 | 0 | 0 | 31285.14289 | 0 | 0 | 31498.02216 | 18335.81246 | 0.05789372589561673 | 17332.3766 | 111299.08995 44401.059290000005 | 0.07034291938919657 | 41483.02239 | 0 | 0 | 24230.27988000001 | 0 | 0 | 48636.102960000004 | 0 | 0 | 18183.607190000002 | 44401.059290000005 | 0.07034291938919657 | 41483.02239 | 132533.01242 0 AUTRES REVENUS | 0 Commissions | 4653.06999 | -0.4709858696948515 | 8795.73857 | 0 | 0 | 8248.99035 | 0 | 0 | 5535.3891300000005 | 0 | 0 | 3918.4992 | 4653.06999 | -0.4709858696948515 | 8795.73857 | 26498.617250000003 Gains sur change | -2592.10153 | -11.875385259697557 | 238.34571999999986 | 0 | 0 | 683.7470899999998 | 0 | 0 | 1854.3585899999998 | 0 | 0 | 1525.24405 | -2592.10153 | -11.875385259697557 | 238.34571999999986 | 4301.695449999999 Autres | 529.38073 | -0.8285339261166476 | 3087.37885 | 0 | 0 | 246.82306 | 0 | 0 | 47897.31278 | 0 | 0 | 856.42549 | 529.38073 | -0.8285339261166476 | 3087.37885 | 52087.940180000005 2590.34919 | -0.7863006173362005 | 12121.46314 | 0 | 0 | 9179.560500000001 | 0 | 0 | 55287.0605 | 0 | 0 | 6300.16874 | 2590.34919 | -0.7863006173362005 | 12121.46314 | 82888.25288000001 0 PRODUIT NET BANCAIRE | 46991.408480000006 | -0.12336797909008852 | 53604.48553 | 0 | 0 | 33409.84038000001 | 0 | 0 | 103923.16346000001 | 0 | 0 | 24483.775930000003 | 46991.408480000006 | -0.12336797909008852 | 53604.48553 | 215421.26530000003 0 Dotation à la provision pour créances douteuses | 0 | -1 | 9000 | 0 | 0 | 9000 | 0 | 0 | -18000 | 0 | 0 | 0 | 0 | 0 | 9000 | 0 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 46991.408480000006 | 0.05351306985470364 | 44604.48553 | 0 | 0 | 24409.84038000001 | 0 | 0 | 121923.16346000001 | 0 | 0 | 24483.775930000003 | 46991.408480000006 | 0.05351306985470364 | 44604.48553 | 215421.26530000003 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 36063.301250000004 | 0.033852557110910224 | 34882.44141 | 0 | 0 | 35051.580570000006 | 0 | 0 | 29894.101629999997 | 0 | 0 | 31084.2422 | 36063.301250000004 | 0.033852557110910224 | 34882.44141 | 130912.36581000002 Frais de locaux | 4818.40206 | -0.02337570848732413 | 4933.73153 | 0 | 0 | 4915.4569 | 0 | 0 | 4921.379220000001 | 0 | 0 | 4856.31905 | 4818.40206 | -0.02337570848732413 | 4933.73153 | 19626.886700000003 Amortissement | 1822.19106 | -0.005688746583538708 | 1832.6163499999998 | 0 | 0 | 1839.17384 | 0 | 0 | 2192.38914 | 0 | 0 | 1378.8826800000002 | 1822.19106 | -0.005688746583538708 | 1832.6163499999998 | 7243.06201 Autres dépenses d'exploitation | 20313.4246 | -0.437865991146013 | 36136.26694 | 0 | 0 | 21116.06903 | 0 | 0 | 20626.120870000002 | 0 | 0 | 18301.505790000003 | 20313.4246 | -0.437865991146013 | 36136.26694 | 96179.96263 63017.31897 | -0.1898531411526369 | 77785.05622999999 | 0 | 0 | 62922.280340000005 | 0 | 0 | 57633.990860000005 | 0 | 0 | 55620.949720000004 | 63017.31897 | -0.1898531411526369 | 77785.05622999999 | 253962.27715 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | 0 | 0 | -38512.439959999996 | 0 | 0 | 64289.172600000005 | 0 | 0 | -31137.17379 | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | -38541.01184999998 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) | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | 0 | 0 | -38512.439959999996 | 0 | 0 | 64289.172600000005 | 0 | 0 | -31137.17379 | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | -38541.01184999998 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 3973.1069100000004 | -0.01879922442919794 | 4049.22928 | 45746.41844 | 0.29882444655198453 | 35221.402369999996 | 0.47026208662006247 | 23955.86657 | -0.16354936434819972 | 33867.32252 Intérêts sur bons B.R.H. | 3987.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9125814590264003 | 7965.36002 Autres | 54776.26484 | 0.0001843314961310044 | 54766.169709999995 | 198085.68393 | -0.04037550834717173 | 206419.99621 | 0.1202965289371695 | 184254.78512 | 0.6315415278300113 | 156911.51449 62736.871750000006 | 0.06667425244648523 | 58815.398989999994 | 243832.10237 | 0.009065929111789698 | 241641.39858 | 0.16056213559993227 | 208210.65168999997 | -0.1274753801661135 | 198744.19703 Dépenses d'intérêt | 18335.81246 | 0.05789372589561673 | 17332.3766 | 111299.08995 | 1.6294218477018365 | 42328.35064 | 0.037626173784569644 | 40793.44923 | -0.3355176631856061 | 56443.20608999999 44401.059290000005 | 0.07034291938919657 | 41483.02239 | 132533.01242 | -0.3350509974645667 | 199313.04794000002 | 0.19051713331323128 | 167417.20245999997 | -0.0037560314070492025 | 142300.99094000002 AUTRES REVENUS Commissions | 4653.06999 | -0.4709858696948515 | 8795.73857 | 26498.617250000003 | 1.2435939740217161 | 11810.78999 | -0.09558722922079006 | 13059.07034 | -0.11486573995249984 | 13658.338370000001 Gains sur change | -2592.10153 | -11.875385259697557 | 238.34571999999986 | 4301.695449999999 | 1.2113840455908356 | -20350.1425 | -7.276953291599074 | 3242.0414100000003 | -0.4231387245883686 | 7452.93864 Autres | 529.38073 | -0.8285339261166476 | 3087.37885 | 52087.940180000005 | 5.007818325016875 | 8670.02585 | -0.7121152397200784 | 30116.3071 | 0.4754577299996069 | 6414.935509999999 2590.34919 | -0.7863006173362005 | 12121.46314 | 82888.25288000001 | 633.3164786329145 | 130.67333999999755 | -0.997184821059907 | 46417.41885 | -0.1581781041691126 | 27526.21252 PRODUIT NET BANCAIRE | 46991.408480000006 | -0.12336797909008852 | 53604.48553 | 215421.26530000003 | 0.08011053904058002 | 199443.72128000003 | -0.0672992050671588 | 213834.62130999996 | -0.03252138614220387 | 169827.20346000002 Dotation à la provision pour créances douteuses | 0 | 0 | 9000 | 0 | -1 | 36000 | -6.994677377318269e-05 | 36002.51826 | 1 | 48000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 46991.408480000006 | 0.05351306985470364 | 44604.48553 | 215421.26530000003 | 0.318014932681053 | 163443.72128000003 | -0.08090992302978307 | 177832.10304999998 | -0.19605040877351088 | 121827.20346000002 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 36063.301250000004 | 0.033852557110910224 | 34882.44141 | 130912.36581000002 | -0.018177652655170084 | 133336.10317999998 | 0.21620937735245788 | 109632.52352999999 | -0.10569050163401131 | 111554.21149 Frais de locaux | 4818.40206 | -0.02337570848732413 | 4933.73153 | 19626.886700000003 | -0.0013231087395293019 | 19652.88961 | 0.07056308711482559 | 18357.52591 | 0.08151297241785313 | 25622.10871 Amortissement | 1822.19106 | -0.005688746583538708 | 1832.6163499999998 | 7243.06201 | 0.022414715635398066 | 7084.2701099999995 | -0.3035155534787137 | 10171.469219999999 | 0.10400466481371046 | 15754.31421 Autres dépenses d'exploitation | 20313.4246 | -0.437865991146013 | 36136.26694 | 96179.96263 | 0.2270974027548654 | 78380.05558 | -0.05845679304574324 | 83246.37148999999 | -0.07761709201868132 | 47731.13016 63017.31897 | -0.1898531411526369 | 77785.05622999999 | 253962.27715 | 0.06503981059630666 | 238453.31848000002 | 0.076986544239467 | 221407.89015 | -0.06428089231664853 | 200661.76457000003 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | -38541.01184999998 | 0.48618559106193965 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 | -0.2531183092844781 | -78834.56111000001 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | -16025.910489999995 | 0.5170091968912397 | -33180.57069999999 | -38541.01184999998 | 0.48618559106193965 | -75009.59719999999 | -0.7213595483166835 | -43575.787100000016 | -0.2531183092844781 | -78834.56111000001 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 47006480.58155779 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014383659073225181 | 46339942.645078175 | 0.018723090534741242 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 14287856.408734636 | 0 | 0 | 0 | 0 | 0 | 0 | 0.15241611666100252 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 Dépôts | 37716220.14935127 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01089233140555897 | 38131561.75702027 | 0.00270492663227602 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 Avoir des Actionnaires | 3351421.270412923 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011039210863374482 | 3314828.1831235653 | 0.257747676624015 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 291859.6677417329 | -0.06978500151033704 | 313755.06545864 | 0 | 0 | 300343.393531744 | 0 | 0 | 303026.59109615895 | 0 | 0 | 304313.17597128206 | 291859.6677417329 | -0.06978500151033704 | 313755.06545864 Autres revenus | 279856.8924487768 | -0.09800121219210538 | 310263.0471698372 | 0 | 0 | 269358.04291317775 | 0 | 0 | 300148.9023407698 | 0 | 0 | 295751.9123920286 | 279856.8924487768 | -0.09800121219210538 | 310263.0471698372 Dot. à la prov. pr créances douteuses | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 | 0 | 0 | 41603.98867641502 | 0 | 0 | -10729.95542658987 | 0 | 0 | -15357.780477100732 | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 Dépenses d'exploitation | 532355.943597132 | -0.06655455786625689 | 570312.8641136549 | 0 | 0 | 569218.8551433189 | 0 | 0 | 570299.4179374641 | 0 | 0 | 519321.179618322 | 532355.943597132 | -0.06655455786625689 | 570312.8641136549 Bénéfice (perte) net | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 | 0 | 0 | -25833.06567030087 | 0 | 0 | 55978.44550706694 | 0 | 0 | 66001.93906654257 | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07129700477358855 | 0.07119664523992385 | 0 | 0.06853687384575673 | 0 | 0.06838397663983795 | 0 | 0.07153285036436353 | 0.07129700477358855 | 0.07119664523992385 | 0.07153285036436353 | 0.05793862135650572 | 0.07492218026626138 | 0.08399211660595632 Dépôts en % de l'actif | 0.8023621356615369 | 0.8103979351069833 | 0 | 0.8011794807682179 | 0 | 0.7863676803135142 | 0 | 0.8228659678988678 | 0.8023621356615369 | 0.8103979351069833 | 0.8228659678988678 | 0.8360112129190895 | 0.8319063502496844 | 0.8181649316827374 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0071179587621141354 | 0.011201807020278919 | 0 | 0.028703885368071384 | 0 | 0.015999920355612943 | 0 | 0.002727897304453172 | 0.0071179587621141354 | 0.011201807020278919 | 0.002727897304453172 | 0.019764130395404627 | 0.11408158078922474 | 0.0562751812861468 Provisions pour créances douteuses en % des prêts improductifs bruts | 2.7771913725877284 | 2.401190245420913 | 0 | 0.9370697193806308 | 0 | 1.5480180584519778 | 0 | 7.098174752274438 | 2.7771913725877284 | 2.401190245420913 | 7.098174752274438 | 0.9896655644517804 | 0.3971745454698088 | 0.8647964786194402 Prêts improductifs nets en % de l'avoir des actionnaires | -0.055017241765893725 | -0.05964633328832567 | 0 | 0.007367269562828305 | 0 | -0.033759897586876246 | 0 | -0.06344777233175647 | -0.055017241765893725 | -0.05964633328832567 | -0.06344777233175647 | 0.0009411805187272899 | 0.32433516656661493 | 0.03182783967513231 Rentabilité ROA (rendement de l'actif) | 0.003136110503480442 | 0.0027591752803112833 | 0 | -0.0021982579094638626 | 0 | 0.004741150006846553 | 0 | 0.005626252248950883 | 0.003136110503480442 | 0.0027591752803112833 | 0.0027893171259060143 | 0.008390643149983825 | 0.005808606807929885 | 0.010956370573103082 ROE (rendement avoir des action.) | 0.04391445300446727 | 0.042658444958025454 | 0 | -0.03146281460655722 | 0 | 0.06925433890648355 | 0 | 0.08044535531088381 | 0.04391445300446727 | 0.042658444958025454 | 0.04304582967163536 | 0.1263208926100493 | 0.07344718595589103 | 0.11978733622570949 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7265901549010779 | 0.7227154254584183 | 0 | 0.7129411855588402 | 0 | 0.7109422383041422 | 0 | 0.7108487980664728 | 0.7265901549010779 | 0.7227154254584183 | 0.7144008024901575 | 0.800697918210508 | 0.7407085462128182 | 0.7567250680954185 Rendement moyen des prêts | 0.10319740676738752 | 0.11832803392134418 | 0 | 0.11064082649750971 | 0 | 0.11156709665067921 | 0 | 0.1152276696445431 | 0.10319740676738752 | 0.11832803392134418 | 0.11661704772677597 | 0.13046658261541064 | 0.11366742252460704 | 0.12312780632975993 Rendement moyen des prêts productifs | 0.10372420256139463 | 0.12017652993045243 | 0 | 0.11290854231814104 | 0 | 0.11413562149232556 | 0 | 0.11631269269527769 | 0.10372420256139463 | 0.12017652993045243 | 0.11792300687520087 | 0.14080894038739883 | 0.12458455227695817 | 0.12751218829470384 Rémunération moyenne des dépôts | 0.011583660640261841 | 0.012643001618488695 | 0 | 0.012770668707566424 | 0 | 0.01314683999740382 | 0 | 0.013117908436394491 | 0.011583660640261841 | 0.012643001701479748 | 0.012643001701479748 | 0.0127809960700656 | 0.014257861429705245 | 0.01675649045222914 Dépenses d'exploitation en % du produit net bancaire | 0.9311536181840493 | 0.9139363947488544 | 0 | 0.9991529224419473 | 0 | 0.9454950079086686 | 0 | 0.8654414157550487 | 0.9311536181840493 | 0.9139363947488544 | 0.929991403736984 | 1.0728510952816075 | 0.7934167257992941 | 0.7158666312225299 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 4907.43828489708 | 5396.913406516559 | 0 | 4916.517250873111 | 0 | 5177.472046668917 | 0 | 5145.252633340285 | 4907.43828489708 | 5396.913406516559 | 5171.435018066102 | 6478.839915157717 | 5258.012596367964 | 4810.9360983483275 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 991881.7876520399 | 0 | 0 | 0 | 0 | 0 | 0 | -0.4660641565097151 | 1857679.718911936 | -0.65641211950126 | 5406709.096419216 | 2.177408285459028 | 1701609.806068133 | 0.5476469605845711 | 1099481.89051165 Avoirs à la BRH | 18749154.41189008 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04968607649862391 | 17861677.726002168 | 0.42770706530537667 | 12510744.087535687 | -0.26996931705283905 | 17137285.29468015 | -0.15398196586635493 | 20256406.605125606 Avoirs à l'étranger | 172912.77740836 | 0 | 0 | 0 | 0 | 0 | 0 | -0.8733862140823764 | 1365671.014062079 | -0.240708798990839 | 1798612.9856990161 | 0.08994115971070649 | 1650192.737171616 | 0.8350697095545467 | 899253.4335778401 Avoirs dans les banques locales | 380019.808563242 | 0 | 0 | 0 | 0 | 0 | 0 | -0.006353845841212053 | 382449.835862308 | -0.002815048660884846 | 383529.49003965396 | -0.17545186306931493 | 465138.992936558 | 4.6937956031491765 | 81692.253350172 Autres liquidités | 187517.227969873 | 0 | 0 | 0 | 0 | 0 | 0 | 26.04572992470096 | 6933.339513925001 | -0.9925953369676218 | 936347.7424438801 | 8.008967365429863 | 103935.079844659 | 13.880181449248346 | 6984.7992243339995 20481486.0134836 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04623761701952491 | 21474411.634352416 | 0.0208437636398286 | 21035943.40213745 | -0.0010551019912318673 | 21058161.910701115 | -0.05753971924568089 | 22343818.981789604 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 | 5034852.262241155 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1583623246130906 | 5982208.745499163 | -0.12458262871870114 | 6833550.420347888 | -0.009723376871802171 | 6900648.021722754 | 3.826728540216274 | 1429673.942552724 Portefeuille net | 14287856.408734636 | 0 | 0 | 0 | 0 | 0 | 0 | 0.15241611666100252 | 12398174.758378172 | 0.04126368529411099 | 11906854.07882657 | -0.22273266022544605 | 15318865.81299061 | 0.1894056984488929 | 12879428.636476168 Immobilisations | 5076929.43916 | 0 | 0 | 0 | 0 | 0 | 0 | -0.002921516810119812 | 5091805.233744239 | 0.2228491427890016 | 4163886.6607300006 | 2.607793388689217 | 1154136.67362 | 0.11043586633713243 | 1039354.6431699999 Autres actifs | 2125356.4579384006 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5253656613772222 | 1393342.2731041806 | -0.09992393031484723 | 1548027.2390661077 | 0.579922227969989 | 979812.3044671239 | 0.1666408212105296 | 839857.723691214 47006480.58155779 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014383659073225181 | 46339942.645078175 | 0.018723090534741242 | 45488261.80110802 | 0.0016876092426340399 | 45411624.72350161 | 0.17853905544743237 | 38532133.92767971 PASSIF Dépôts À vue | 16534980.098803192 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03561652180067923 | 17145648.461001225 | -0.0022144728566241174 | 17183701.301108867 | 0.03880315702567971 | 16541826.220772717 | 0.27044844707170224 | 13020462.387828887 Épargne | 8768558.088742578 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03773231855009781 | 8449730.178003766 | -0.006205996408954427 | 8502496.641628861 | 0.048860883884537326 | 8106410.270673083 | 0.20925402459958112 | 6703645.475447021 À terme | 12412681.961805498 | 0 | 0 | 0 | 0 | 0 | 0 | -0.009851575638864636 | 12536183.118015284 | 0.0156924573503474 | 12342498.979187675 | -0.0599759757891088 | 13129982.491190754 | 0.11256585460377676 | 11801532.859254247 37716220.14935127 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01089233140555897 | 38131561.75702027 | 0.00270492663227602 | 38028696.9219254 | 0.006630220958906787 | 37778218.982636556 | 0.19833310653819397 | 31525640.722530156 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0 | 0 | 0 | 700000 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3426149.5887261285 | 0 | 0 | 0 | 0 | 0 | 0 | 0.328552981419317 | 2578858.0784079167 | -0.033195789716617324 | 2667404.6833660565 | 1.0544391939867879 | 1298361.4658313468 | 0.00041964770356142135 | 1297816.839974808 3426149.5887261285 | 0 | 0 | 0 | 0 | 0 | 0 | 0.15015536106281088 | 2978858.0784079167 | 0.1167627083299675 | 2667404.6833660565 | 0.3347958960249357 | 1998361.4658313468 | 0.539786974770752 | 1297816.839974808 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1414978.35488 | -0.23264281057490757 | 1843963.11702 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 648875.8221621392 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05288233436533237 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | 0.17904079002557635 | 577271.5310901105 | 0.41270921596130095 | 408627.28477162 648875.8221621392 | 0 | 0 | 0 | 0 | 0 | 0 | -0.05288233436533237 | 685105.8170552914 | 0.006580898306650319 | 680626.682075758 | -0.6583627953155424 | 1992249.8859701105 | -0.11557383695431052 | 2252590.40179162 Autres passifs | 1863813.7886053254 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5158024975063382 | 1229588.8096711175 | -0.16694881154195013 | 1476006.308744419 | 5.138351836319308 | 240456.452823575 | 0.0945237822282083 | 219690.4779300993 43655059.348844856 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014641329710914912 | 43025114.4621546 | 0.004022610637749255 | 42852734.59611163 | 0.02007765123748322 | 42009286.78726158 | 0.1902084682552788 | 35295738.442226686 AVOIR DES ACTIONNAIRES Capital versé | 728155.76157 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 728155.76157 | 0 | 728155.76157 | -3.433213471075307e-05 | 728180.76157 | -0.009866245990355437 | 735436.76157 Réserves | 930894.1470000001 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 930894.1470000001 | 1.4126116627143026 | 385845 | 0.0021141643652174734 | 385030.98121999996 | 0.3069400465649817 | 294604.93022 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1198554.27904 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1198554.27904 | 2.328138739979809e-07 | 1198554 | -9.569286293484027e-05 | 1198668.70404 | -0.058839844691228174 | 1273607.57601 BNR | 493817.08280292316 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08003317334265306 | 457223.99551356555 | 0.4156750674392881 | 322972.41509 | -0.703819342823062 | 1090457.486888 | 0.16908272120811682 | 932746.2181299999 3351421.270412923 | 0 | 0 | 0 | 0 | 0 | 0 | 0.011039210863374482 | 3314828.1831235653 | 0.257747676624015 | 2635527.1766600003 | -0.22537759975536745 | 3402337.9337179996 | 0.05127384725056708 | 3236395.48593 47006480.61925778 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01438365988240022 | 46339942.64527816 | 0.018723091173739426 | 45488261.772771634 | 0.0016876086742750383 | 45411624.720979586 | 0.17853905536739112 | 38532133.92815669 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 | 4044159.016698276 | 0 | 0 | 0 | 4872623.17173931 | 3361981.889064204 | 2620854.426157199 | 3234982.958983928 Portefeuille brut | 14575993.684994932 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1528920716274536 | 12642981.978719886 | 0.041054731637814396 | 12144397.018233247 | -0.24314692173690344 | 16045910.847193018 | 0.1852242592771332 | 13538290.93658562 Provisions pour créances douteuses | 288137.27626029646 | 0 | 0 | 0 | 0 | 0 | 0 | 0.17699664192134662 | 244807.22034171392 | 0.030580917088851398 | 237542.9394066763 | -0.6732761682812831 | 727045.034202408 | 0.10348556000491962 | 658862.300109452 Portefeuille de crédit improductif | 103751.32196662998 | 0 | 0 | 0 | 0 | 0 | 0 | 2.008265087404951 | 34488.756460000004 | -0.8563108854572565 | 240023.44624192503 | -0.868878544411193 | 1830542.874650748 | 1.4026978500619842 | 761869.776760954 [buhcomp] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 991881.7876520399 | 0.02110095832278046 | 0 | 0 | 0 | 0 | 0 | 0 | 1857679.718911936 | 0.04008808843679574 | 5406709.096419216 | 0.11885943499136997 | 1701609.806068133 | 0.03747079776221944 | 1099481.89051165 | 0.028534155221593704 Avoirs à la BRH | 18749154.41189008 | 0.39886318184063324 | 0 | 0 | 0 | 0 | 0 | 0 | 17861677.726002168 | 0.3854488526843112 | 12510744.087535687 | 0.27503236202423864 | 17137285.29468015 | 0.3773766166488025 | 20256406.605125606 | 0.5257016557438657 Avoirs à l'étranger | 172912.77740836 | 0.0036784880567340213 | 0 | 0 | 0 | 0 | 0 | 0 | 1365671.014062079 | 0.029470710063710635 | 1798612.9856990161 | 0.03954015639382389 | 1650192.737171616 | 0.03633855311760298 | 899253.4335778401 | 0.02333775324423073 Avoirs dans les banques locales | 380019.808563242 | 0.008084413124779576 | 0 | 0 | 0 | 0 | 0 | 0 | 382449.835862308 | 0.008253135719038886 | 383529.49003965396 | 0.008431394712697328 | 465138.992936558 | 0.010242729604339335 | 81692.253350172 | 0.002120107168305258 Autres liquidités | 187517.227969873 | 0.003989178207981865 | 0 | 0 | 0 | 0 | 0 | 0 | 6933.339513925001 | 0.00014961907844876022 | 936347.7424438801 | 0.020584381670549396 | 103935.079844659 | 0.002288732906551791 | 6984.7992243339995 | 0.00018127205821104138 20481486.0134836 | 0.43571621955290923 | 0 | 0 | 0 | 0 | 0 | 0 | 21474411.634352416 | 0.4634104059823052 | 21035943.40213745 | 0.4624477297926792 | 21058161.910701115 | 0.46371743003951604 | 22343818.981789604 | 0.5798749434362065 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 | 5034852.262241155 | 0.10710974742100764 | 0 | 0 | 0 | 0 | 0 | 0 | 5982208.745499163 | 0.12909400409313068 | 6833550.420347888 | 0.15022667716402904 | 6900648.021722754 | 0.15195774350155553 | 1429673.942552724 | 0.0371034198426709 Portefeuille net | 14287856.408734636 | 0.30395503411374813 | 0 | 0 | 0 | 0 | 0 | 0 | 12398174.758378172 | 0.2675483406040641 | 11906854.07882657 | 0.26175662923520504 | 15318865.81299061 | 0.33733357716802254 | 12879428.636476168 | 0.33425163165500626 Immobilisations | 5076929.43916 | 0.10800488307886315 | 0 | 0 | 0 | 0 | 0 | 0 | 5091805.233744239 | 0.109879403018317 | 4163886.6607300006 | 0.09153760763460465 | 1154136.67362 | 0.02541500509279745 | 1039354.6431699999 | 0.026973710958254907 Autres actifs | 2125356.4579384006 | 0.04521411583347188 | 0 | 0 | 0 | 0 | 0 | 0 | 1393342.2731041806 | 0.03006784630218288 | 1548027.2390661077 | 0.03403135617348211 | 979812.3044671239 | 0.02157624419810832 | 839857.723691214 | 0.02179629410786146 47006480.58155779 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 46339942.645078175 | 1 | 45488261.80110802 | 1 | 45411624.72350161 | 1 | 38532133.92767971 | 1 PASSIF Dépôts À vue | 16534980.098803192 | 0.3517595849388141 | 0 | 0 | 0 | 0 | 0 | 0 | 17145648.461001225 | 0.36999718778940455 | 17183701.301108867 | 0.3777612206032964 | 16541826.220772717 | 0.3642641354827352 | 13020462.387828887 | 0.33791179103308333 Épargne | 8768558.088742578 | 0.18653934479372142 | 0 | 0 | 0 | 0 | 0 | 0 | 8449730.178003766 | 0.18234226664286177 | 8502496.641628861 | 0.18691627916681033 | 8106410.270673083 | 0.17850958471604345 | 6703645.475447021 | 0.1739754535274111 À terme | 12412681.961805498 | 0.26406320592900134 | 0 | 0 | 0 | 0 | 0 | 0 | 12536183.118015284 | 0.27052651346660156 | 12342498.979187675 | 0.2713337131489828 | 13129982.491190754 | 0.2891326300509057 | 11801532.859254247 | 0.3062776871222429 37716220.14935127 | 0.8023621356615369 | 0 | 0 | 0 | 0 | 0 | 0 | 38131561.75702027 | 0.8228659678988678 | 38028696.9219254 | 0.8360112129190895 | 37778218.982636556 | 0.8319063502496844 | 31525640.722530156 | 0.8181649316827374 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 400000 | 0.008631862215791597 | 0 | 0 | 700000 | 0.015414555287596507 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3426149.5887261285 | 0.07288674979148134 | 0 | 0 | 0 | 0 | 0 | 0 | 2578858.0784079167 | 0.05565086901724555 | 2667404.6833660565 | 0.05863940668977338 | 1298361.4658313468 | 0.028590949426203056 | 1297816.839974808 | 0.03368141620214073 3426149.5887261285 | 0.07288674979148134 | 0 | 0 | 0 | 0 | 0 | 0 | 2978858.0784079167 | 0.06428273123303714 | 2667404.6833660565 | 0.05863940668977338 | 1998361.4658313468 | 0.04400550471379956 | 1297816.839974808 | 0.03368141620214073 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1414978.35488 | 0.03115894583150016 | 1843963.11702 | 0.04785520367184704 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 648875.8221621392 | 0.013803965200847538 | 0 | 0 | 0 | 0 | 0 | 0 | 685105.8170552914 | 0.0147843475401465 | 680626.682075758 | 0.014962688287622788 | 577271.5310901105 | 0.012711977045634279 | 408627.28477162 | 0.010604844401780743 648875.8221621392 | 0.013803965200847538 | 0 | 0 | 0 | 0 | 0 | 0 | 685105.8170552914 | 0.0147843475401465 | 680626.682075758 | 0.014962688287622788 | 1992249.8859701105 | 0.04387092287713444 | 2252590.40179162 | 0.058460048073627785 Autres passifs | 1863813.7886053254 | 0.03965014537456271 | 0 | 0 | 0 | 0 | 0 | 0 | 1229588.8096711175 | 0.02653410296790071 | 1476006.308744419 | 0.03244807012407025 | 240456.452823575 | 0.005295041837583341 | 219690.4779300993 | 0.005701487447916394 43655059.348844856 | 0.9287029960284283 | 0 | 0 | 0 | 0 | 0 | 0 | 43025114.4621546 | 0.9284671496399521 | 42852734.59611163 | 0.9420613780205559 | 42009286.78726158 | 0.9250778196782016 | 35295738.442226686 | 0.9160078834064224 AVOIR DES ACTIONNAIRES Capital versé | 728155.76157 | 0.015490539869425574 | 0 | 0 | 0 | 0 | 0 | 0 | 728155.76157 | 0.015713350513767595 | 728155.76157 | 0.016007552998040988 | 728180.76157 | 0.016035118012264135 | 735436.76157 | 0.019086323195863703 Réserves | 930894.1470000001 | 0.019803527843035774 | 0 | 0 | 0 | 0 | 0 | 0 | 930894.1470000001 | 0.020088375035977123 | 385845 | 0.008482298173692834 | 385030.98121999996 | 0.008478687639218888 | 294604.93022 | 0.007645694649897637 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 | 0.025497639138511313 | 0 | 0 | 0 | 0 | 0 | 0 | 1198554.27904 | 0.025864388487051783 | 1198554 | 0.026348643639990774 | 1198668.70404 | 0.026395635728480336 | 1273607.57601 | 0.03305312854980759 BNR | 493817.08280292316 | 0.010505297922615888 | 0 | 0 | 0 | 0 | 0 | 0 | 457223.99551356555 | 0.009866736327567032 | 322972.41509 | 0.007100126544781119 | 1090457.486888 | 0.02401273888629803 | 932746.2181299999 | 0.02420697021038739 3351421.270412923 | 0.07129700477358855 | 0 | 0 | 0 | 0 | 0 | 0 | 3314828.1831235653 | 0.07153285036436353 | 2635527.1766600003 | 0.05793862135650572 | 3402337.9337179996 | 0.07492218026626138 | 3236395.48593 | 0.08399211660595632 47006480.61925778 | 1.000000000802017 | 0 | 0 | 0 | 0 | 0 | 0 | 46339942.64527816 | 1.0000000000043157 | 45488261.772771634 | 0.9999999993770616 | 45411624.720979586 | 0.9999999999444631 | 38532133.92815669 | 1.0000000000123788 [buhgdes&$] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 145787.39313204 | 846094.39452 | 991881.7876520399 | 0.1469806129590751 | 340947.229631936 | 1516732.48928 | 1857679.718911936 | 0.18353391392550306 Avoirs à la BRH | 13034075.431070078 | 5715078.980819999 | 18749154.41189008 | 0.6951820409993695 | 13168369.047412168 | 4693308.678590001 | 17861677.726002168 | 0.7372414422326237 Avoirs à l'étranger | 172912.77740836 | 0 | 172912.77740836 | 1 | 1365671.014062079 | 0 | 1365671.014062079 | 1 Avoirs dans les banques locales | 287701.436473242 | 92318.37209 | 380019.808563242 | 0.7570695789805478 | 290226.563772308 | 92223.27209 | 382449.835862308 | 0.7588617814881145 Autres liquidités | 525.392839873 | 186991.83513 | 187517.227969873 | 0 | -1223.6865160749999 | 8157.02603 | 6933.339513925001 | -0.17649309017931886 13641002.430923594 | 6840483.582559998 | 20481486.01348359 | 0.6660162461817127 | 15163990.168362416 | 6310421.465990001 | 21474411.634352416 | 0.7061422881595845 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 | 3969674.8838245617 | 1065177.3784165932 | 5034852.262241155 | 0.7884391988212078 | 5156097.412821898 | 826111.3326772647 | 5982208.745499163 | 0.861905298223034 Portefeuille net | 10338573.674129738 | 3949282.7346048984 | 14287856.408734636 | 0.7235916556250822 | 8457679.042192657 | 3940495.716185517 | 12398174.758378174 | 0.6821713040040274 Immobilisations | 0 | 5076929.43916 | 5076929.43916 | 0 | 0 | 5091805.233744239 | 5091805.233744239 | 0 Autres actifs | 891746.5701708519 | 1233609.8877675487 | 2125356.4579384006 | 0.41957506320414956 | 212635.5577129 | 1180706.7153912806 | 1393342.2731041806 | 0.1526082727965874 28840997.559048746 | 18165483.02250904 | 47006480.58155778 | 0.6135536462681709 | 28990402.18108987 | 17349540.463988304 | 46339942.645078175 | 0.6256028930188798 PASSIF Dépôts À vue | 10459719.261543192 | 6075260.8372599995 | 16534980.098803192 | 0.6325813033364504 | 11324248.842101231 | 5821399.6188999945 | 17145648.461001225 | 0.6604736395860964 Épargne | 5622658.983552579 | 3145899.10519 | 8768558.088742578 | 0.641229598600843 | 5457751.646053767 | 2991978.5319499993 | 8449730.178003766 | 0.6459083936504054 À terme | 10140203.598935498 | 2272478.3628700003 | 12412681.961805498 | 0.8169228560062571 | 10286766.264195284 | 2249416.85382 | 12536183.118015284 | 0.8205660500772802 26222581.844031267 | 11493638.30532 | 37716220.14935127 | 0.6952600695454978 | 27068766.752350286 | 11062795.004669994 | 38131561.75702028 | 0.7098782610803174 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 400000 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1374087.204652778 | 2052062.3840733508 | 3426149.588726129 | 0.4010587305277804 | 1226184.2420537157 | 1352673.8363542005 | 2578858.0784079162 | 0.475475658129552 1374087.204652778 | 2052062.3840733508 | 3426149.588726129 | 0.4010587305277804 | 1226184.2420537157 | 1752673.8363542005 | 2978858.0784079162 | 0.4116289563915927 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 | 527492.9984412 | 121382.8237209392 | 648875.8221621392 | 0.8129336622275803 | 559888.1495529701 | 125217.66750232136 | 685624.6318052914 | 0.8166103193794985 527492.9984412 | 121382.8237209392 | 648875.8221621392 | 0.8129336622275803 | 559888.1495529701 | 125217.66750232136 | 685105.8170552915 | 0.8172287194399698 Autres passifs | 702303.1107536242 | 1161510.6778517012 | 1863813.7886053254 | 0.3768096979683529 | 109334.54687345459 | 1120254.262797663 | 1229588.8096711175 | 0.08891960142569831 28826465.157878872 | 14828594.190965991 | 43655059.348844856 | 0.6603235819135735 | 28964173.69083043 | 13660940.771324178 | 43025114.462154604 | 0.6731922518488046 AVOIR DES ACTIONNAIRES Capital versé | 0 | 728155.76157 | 728155.76157 | 0 | 0 | 728155.76157 | 728155.76157 | 0 Réserves | 0 | 930894.1470000001 | 930894.1470000001 | 0 | 0 | 930894.1470000001 | 930894.1470000001 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1198554.27904 | 1198554.27904 | 0 | 0 | 1198554.27904 | 1198554.27904 | 0 BNR | 0 | 493817.08280292316 | 493817.08280292316 | 0 | 0 | 457223.99551356555 | 457223.99551356555 | 0 0 | 3351421.270412923 | 3351421.270412923 | 0 | 3314828.1831235653 | 3314828.1831235653 28826465.157878872 | 18180015.461378913 | 47006480.619257785 | 0.6132444883795266 | 28964173.69083043 | 17375768.954447743 | 46339942.64527817 | 0.625036891231063 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes [buhrésult] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 351115.96291999996 | 0 | 0 | 0 | 0 | 0 | 0 | 367976.63607999997 | -0.028180530890405626 | 357606.85912 | -0.0004116898942103225 | 357459.63599 | 0.013463653207599355 | 362272.34856468404 Intérêts sur Bons B.R.H. | 1579.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 351 | 0 | 1813.5 | -0.8387096774193549 | 292.5 Autres | 48988.575561733 | 0 | 0 | 0 | 0 | 0 | 0 | 66156.98609864 | -0.04294503051665465 | 63315.87231174401 | 0.05754253777751716 | 66959.22828615899 | -0.021292915794486243 | 65533.47107659803 401684.03848173295 | 0 | 0 | 0 | 0 | 0 | 0 | 434133.62217864 | -0.02962196450567543 | 421273.731431744 | 0.011770572135040376 | 426232.364276159 | 0.0043777890219386184 | 428098.3196412821 Dépenses d'intérêt | 109824.37074000001 | 0 | 0 | 0 | 0 | 0 | 0 | 120378.55672 | 0.004583716527549267 | 120930.33789999998 | 0.01881608304015195 | 123205.77318000002 | 0.004702462190254095 | 123785.14366999999 291859.6677417329 | 0 | 0 | 0 | 0 | 0 | 0 | 313755.06545864 | -0.04274567458310544 | 300343.393531744 | 0.008933765889980669 | 303026.59109615895 | 0.004245782096115914 | 304313.17597128206 AUTRES REVENUS Commissions | 174582.2300233334 | 0 | 0 | 0 | 0 | 0 | 0 | 172609.9259100001 | -0.14240267499342119 | 148029.81072999985 | 0.15840814621449736 | 171478.93863222204 | 0.02237043083047623 | 175314.99636777764 Gains sur change | 62394.19291 | 0 | 0 | 0 | 0 | 0 | 0 | 75002.25032058252 | -0.12799497306206134 | 65402.33931120558 | 0.08033058407906456 | 70656.14742821189 | -0.0710237086189783 | 65637.885801131 Autres | 42880.469515443445 | 0 | 0 | 0 | 0 | 0 | 0 | 62650.87093925457 | -0.10734053599674101 | 55925.89287197234 | 0.0373337518838239 | 58013.81628033587 | -0.05541414551460138 | 54799.03022311999 279856.8924487768 | 0 | 0 | 0 | 0 | 0 | 0 | 310263.0471698372 | -0.13183975542620188 | 269358.04291317775 | 0.11431201049198632 | 300148.9023407698 | -0.014649362081455017 | 295751.9123920286 PRODUIT NET BANCAIRE | 571716.5601905098 | 0 | 0 | 0 | 0 | 0 | 0 | 624018.1126284772 | -0.08704342884337721 | 569701.4364449218 | 0.058757192540874546 | 603175.4934369288 | -0.00515671658988481 | 600065.0883633107 Dotation à la provision pour créances douteuses | -12915.2223965123 | 0 | 0 | 0 | 0 | 0 | 0 | 4685.614875285388 | 7.879088397951409 | 41603.98867641502 | -1.2579068922945025 | -10729.95542658987 | -0.43129955964613453 | -15357.780477100732 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 584631.782587022 | 0 | 0 | 0 | 0 | 0 | 0 | 619332.4977531917 | -0.14731190485832188 | 528097.4477685067 | 0.16248516529969328 | 613905.4488635187 | 0.002471748670258361 | 615422.8688404114 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 225108.03574999998 | 0 | 0 | 0 | 0 | 0 | 0 | 236242.04523000002 | -0.058970238072722767 | 222310.79557999998 | -0.0006094382400391201 | 222175.31088 | -0.2060420415692589 | 176397.85624000002 Frais de locaux | 89248.43530000001 | 0 | 0 | 0 | 0 | 0 | 0 | 108590.53133999999 | -0.0011972158934645803 | 108460.52502999998 | 0.04049246275347878 | 112852.3588 | 0.0441413834742105 | 117833.81804576 Amortissement | 24080.07539 | 0 | 0 | 0 | 0 | 0 | 0 | 21942.661749999996 | 0.20556724755600844 | 26453.354330000002 | -0.014654429270633854 | 26065.69552 | -0.07251866341144157 | 24175.44612 Autres dépenses d'exploitation | 193919.39715713199 | 0 | 0 | 0 | 0 | 0 | 0 | 203537.62579365497 | 0.04154786800076578 | 211994.180203319 | -0.013151905694679677 | 209206.05273746402 | -0.03963553356320808 | 200914.059212562 532355.943597132 | 0 | 0 | 0 | 0 | 0 | 0 | 570312.8641136549 | -0.001918261079445049 | 569218.8551433189 | 0.0018983257219635332 | 570299.4179374641 | -0.08938855049775288 | 519321.179618322 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 52275.838989890064 | 0 | 0 | 0 | 0 | 0 | 0 | 49019.6336395368 | -1.8388762689904254 | -41121.407374812174 | 2.060421656501093 | 43606.03092605458 | 1.2038623369564396 | 96101.68922208942 Impôts sur le revenu | 15682.751696967101 | 0 | 0 | 0 | 0 | 0 | 0 | 17097.96089137266 | -1.8941616957508387 | -15288.3417045113 | 0.19072880367649678 | -12372.414581012366 | 3.432811312493535 | 30099.750155546848 BÉNÉFICE NET (PERTE NETTE) | 36593.087292922966 | 0 | 0 | 0 | 0 | 0 | 0 | 31921.67274816414 | -1.8092641596229186 | -25833.06567030087 | 3.1669300199016983 | 55978.44550706694 | 0.1790598768629655 | 66001.93906654257 0 | 0 | 0 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 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 | 351115.96291999996 | -0.045819955689617234 | 367976.63607999997 | 0 | 0 | 357606.85912 | 0 | 0 | 357459.63599 | 0 | 0 | 362272.34856468404 | 351115.96291999996 | -0.045819955689617234 | 367976.63607999997 | 1445315.479754684 Intérêts sur Bons B.R.H. | 1579.5 | 0 | 0 | 0 | 0 | 351 | 0 | 0 | 1813.5 | 0 | 0 | 292.5 | 1579.5 | 0 | 0 | 2457 Autres | 48988.575561733 | -0.2595101673965153 | 66156.98609864 | 0 | 0 | 63315.87231174401 | 0 | 0 | 66959.22828615899 | 0 | 0 | 65533.47107659803 | 48988.575561733 | -0.2595101673965153 | 66156.98609864 | 261965.55777314102 401684.03848173295 | -0.07474561296142708 | 434133.62217864 | 0 | 0 | 421273.731431744 | 0 | 0 | 426232.364276159 | 0 | 0 | 428098.3196412821 | 401684.03848173295 | -0.07474561296142708 | 434133.62217864 | 1709738.037527825 Dépenses d'intérêt | 109824.37074000001 | -0.08767496693409418 | 120378.55672 | 0 | 0 | 120930.33789999998 | 0 | 0 | 123205.77318000002 | 0 | 0 | 123785.14366999999 | 109824.37074000001 | -0.08767496693409418 | 120378.55672 | 488299.81146999996 291859.6677417329 | -0.06978500151033704 | 313755.06545864 | 0 | 0 | 300343.393531744 | 0 | 0 | 303026.59109615895 | 0 | 0 | 304313.17597128206 | 291859.6677417329 | -0.06978500151033704 | 313755.06545864 | 1221438.2260578251 AUTRES REVENUS Commissions | 174582.2300233334 | 0.011426365563482484 | 172609.9259100001 | 0 | 0 | 148029.81072999985 | 0 | 0 | 171478.93863222204 | 0 | 0 | 175314.99636777764 | 174582.2300233334 | 0.011426365563482484 | 172609.9259100001 | 667433.6716399996 Gains sur change | 62394.19291 | -0.16810238835090727 | 75002.25032058252 | 0 | 0 | 65402.33931120558 | 0 | 0 | 70656.14742821189 | 0 | 0 | 65637.885801131 | 62394.19291 | -0.16810238835090727 | 75002.25032058252 | 276698.622861131 Autres | 42880.469515443445 | -0.31556467017003226 | 62650.87093925457 | 0 | 0 | 55925.89287197234 | 0 | 0 | 58013.81628033587 | 0 | 0 | 54799.03022311999 | 42880.469515443445 | -0.31556467017003226 | 62650.87093925457 | 231389.61031468277 279856.8924487768 | -0.09800121219210538 | 310263.0471698372 | 0 | 0 | 269358.04291317775 | 0 | 0 | 300148.9023407698 | 0 | 0 | 295751.9123920286 | 279856.8924487768 | -0.09800121219210538 | 310263.0471698372 | 1175521.9048158133 PRODUIT NET BANCAIRE | 571716.5601905098 | -0.08381415760139363 | 624018.1126284772 | 0 | 0 | 569701.4364449218 | 0 | 0 | 603175.4934369288 | 0 | 0 | 600065.0883633107 | 571716.5601905098 | -0.08381415760139363 | 624018.1126284772 | 2396960.130873638 Dotation à la provision pour créances douteuses | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 | 0 | 0 | 41603.98867641502 | 0 | 0 | -10729.95542658987 | 0 | 0 | -15357.780477100732 | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 | 20201.867648009804 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 584631.782587022 | -0.05602921741077142 | 619332.4977531917 | 0 | 0 | 528097.4477685067 | 0 | 0 | 613905.4488635187 | 0 | 0 | 615422.8688404114 | 584631.782587022 | -0.05602921741077142 | 619332.4977531917 | 2376758.2632256285 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 225108.03574999998 | -0.04712966935737545 | 236242.04523000002 | 0 | 0 | 222310.79557999998 | 0 | 0 | 222175.31088 | 0 | 0 | 176397.85624000002 | 225108.03574999998 | -0.04712966935737545 | 236242.04523000002 | 857126.00793 Frais de locaux | 89248.43530000001 | -0.1781195450590377 | 108590.53133999999 | 0 | 0 | 108460.52502999998 | 0 | 0 | 112852.3588 | 0 | 0 | 117833.81804576 | 89248.43530000001 | -0.1781195450590377 | 108590.53133999999 | 447737.2332157599 Amortissement | 24080.07539 | 0.0974090410886458 | 21942.661749999996 | 0 | 0 | 26453.354330000002 | 0 | 0 | 26065.69552 | 0 | 0 | 24175.44612 | 24080.07539 | 0.0974090410886458 | 21942.661749999996 | 98637.15772000002 Autres dépenses d'exploitation | 193919.39715713199 | -0.04725528559655046 | 203537.62579365497 | 0 | 0 | 211994.180203319 | 0 | 0 | 209206.05273746402 | 0 | 0 | 200914.059212562 | 193919.39715713199 | -0.04725528559655046 | 203537.62579365497 | 825651.9179469999 532355.943597132 | -0.06655455786625689 | 570312.8641136549 | 0 | 0 | 569218.8551433189 | 0 | 0 | 570299.4179374641 | 0 | 0 | 519321.179618322 | 532355.943597132 | -0.06655455786625689 | 570312.8641136549 | 2229152.3168127597 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 52275.838989890064 | 0.06642655419046162 | 49019.6336395368 | 0 | 0 | -41121.407374812174 | 0 | 0 | 43606.03092605458 | 0 | 0 | 96101.68922208942 | 52275.838989890064 | 0.06642655419046162 | 49019.6336395368 | 147605.9464128688 Impôts sur le revenu | 15682.751696967101 | -0.08277064168041512 | 17097.96089137266 | 0 | 0 | -15288.3417045113 | 0 | 0 | -12372.414581012366 | 0 | 0 | 30099.750155546848 | 15682.751696967101 | -0.08277064168041512 | 17097.96089137266 | 19536.954761395842 BÉNÉFICE NET (PERTE NETTE) | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 | 0 | 0 | -25833.06567030087 | 0 | 0 | 55978.44550706694 | 0 | 0 | 66001.93906654257 | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 | 128068.99165147296 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 351115.96291999996 | -0.045819955689617234 | 367976.63607999997 | 1445315.479754684 | -0.2140524867704151 | 1838946.565039248 | 0.09371265544447775 | 1681379.982105 | 0.039074878454053726 | 1618150.9311499998 Intérêts sur Bons B.R.H. | 1579.5 | 0 | 0 | 2457 | 0 | 1248.00143 | 0 | 234 | 0 | 0 Autres | 48988.575561733 | -0.2595101673965153 | 66156.98609864 | 261965.55777314102 | -0.5563720435080589 | 590507.324751748 | 1.6383286353619217 | 223818.714938347 | 0.01096358130447881 | 221391.47154 401684.03848173295 | -0.07474561296142708 | 434133.62217864 | 1709738.037527825 | -0.29660727063943443 | 2430701.891220996 | 0.2756692456221138 | 1905432.697043347 | 0.03581885052336621 | 1839542.40269 Dépenses d'intérêt | 109824.37074000001 | -0.08767496693409418 | 120378.55672 | 488299.81146999996 | 0.007959361166226428 | 484443.94713 | -0.019468121244006497 | 494062.41411 | 0.10401418473200696 | 447514.55275000003 291859.6677417329 | -0.06978500151033704 | 313755.06545864 | 1221438.2260578251 | -0.37241708902655224 | 1946257.9440909962 | 0.37898464182337455 | 1411370.282933347 | 0.013895147998785202 | 1392027.8499399999 AUTRES REVENUS Commissions | 174582.2300233334 | 0.011426365563482484 | 172609.9259100001 | 667433.6716399996 | 0.07231110326185491 | 622425.4039800001 | 0.38508481317249577 | 449377.10533000005 | 0.3202850954773396 | 340363.688774 Gains sur change | 62394.19291 | -0.16810238835090727 | 75002.25032058252 | 276698.622861131 | -0.10133828014682043 | 307900.75592219183 | -0.2634857259213652 | 418051.30838417186 | 1.8884541115166125 | 144731.85041 Autres | 42880.469515443445 | -0.31556467017003226 | 62650.87093925457 | 231389.61031468277 | 1.405287595277137 | -570926.9491864359 | -3.4901587744964595 | 229273.31182 | 0.1000679471020839 | 208417.40950999997 279856.8924487768 | -0.09800121219210538 | 310263.0471698372 | 1175521.9048158133 | 2.2707971241080926 | 359399.21071575605 | -0.6722908313646511 | 1096701.7255341718 | 0.5813716637871624 | 693512.948694 PRODUIT NET BANCAIRE | 571716.5601905098 | -0.08381415760139363 | 624018.1126284772 | 2396960.130873638 | 0.0395995457852616 | 2305657.154806752 | -0.08070535972547532 | 2508072.0084675187 | 0.20260030880732272 | 2085540.798634 Dotation à la provision pour créances douteuses | -12915.2223965123 | -3.7563559405265186 | 4685.614875285388 | 20201.867648009804 | 1.0319787274132488 | -631728.3169823756 | -4.719491321520092 | 169842.66459430777 | 1.6074674394619333 | 65137.02223999999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 584631.782587022 | -0.05602921741077142 | 619332.4977531917 | 2376758.2632256285 | -0.19085925696433284 | 2937385.4717891277 | 0.25624352439416026 | 2338229.343873211 | 0.15730794566542727 | 2020403.7763939998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 225108.03574999998 | -0.04712966935737545 | 236242.04523000002 | 857126.00793 | -0.1276990717956051 | 982603.57202 | 0.2891304210305672 | 762222.0032899999 | 0.2526227287076956 | 608500.8565 Frais de locaux | 89248.43530000001 | -0.1781195450590377 | 108590.53133999999 | 447737.2332157599 | 0.10107362378645891 | 406636.96190999995 | 0.31185426955200085 | 309971.1388284514 | 0.21736965736583627 | 254623.67733000003 Amortissement | 24080.07539 | 0.0974090410886458 | 21942.661749999996 | 98637.15772000002 | -0.05025161402318337 | 103856.09407332834 | 0.24535197758936964 | 83394.97262 | -0.3366673098319316 | 125721.18615 Autres dépenses d'exploitation | 193919.39715713199 | -0.04725528559655046 | 203537.62579365497 | 825651.9179469999 | -0.1579535864765877 | 980530.1758749709 | 0.175190961738229 | 834358.166288707 | 0.6550675012667521 | 504123.345815266 532355.943597132 | -0.06655455786625689 | 570312.8641136549 | 2229152.3168127597 | -0.09883240539043223 | 2473626.803878299 | 0.2430621004510119 | 1989946.2810271583 | 0.3328784410996254 | 1492969.065795266 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 52275.838989890064 | 0.06642655419046162 | 49019.6336395368 | 147605.9464128688 | -0.681718193909315 | 463758.6679108287 | 0.33155676340143475 | 348283.0628460529 | -0.33966601771300053 | 527434.7105987337 Impôts sur le revenu | 15682.751696967101 | -0.08277064168041512 | 17097.96089137266 | 19536.954761395842 | -0.7629137312526508 | 82404.4128098173 | -0.2113272067033035 | 104484.91885381544 | -0.33966601771300353 | 158230.41317962017 BÉNÉFICE NET (PERTE NETTE) | 36593.087292922966 | 0.1463399046037613 | 31921.67274816414 | 128068.99165147296 | -0.6641731672364568 | 381354.2551010114 | 0.5642213220177498 | 243798.14399223748 | -0.3396660177129993 | 369204.2974191136 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 53031387 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08355799427484426 | 48941900 | 0 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 550000 | 0 | 550000 | 0 | 0 | 0 | 150000 Prêts nets | 11777384 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07737505506231335 | 12765083 | 0 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831 Dépôts | 41021530 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07401133508348935 | 38194690 | 0 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722 Avoir des Actionnaires | 5502296 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06541493278197559 | 5164463 | 0 | 5164463 | 0.10312056449761144 | 4681685 | 0.16174216472289643 | 4029883 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 428551 | -0.14790660497595134 | 502939 | 0 | 0 | 489786 | 0 | 0 | 466848 | 0 | 0 | 471217 | 428551 | -0.14790660497595134 | 502939 Autres revenus | 545239 | -0.11580331760855851 | 616649 | 0 | 0 | 522672 | 0 | 0 | 553699 | 0 | 0 | 783413 | 545239 | -0.11580331760855851 | 616649 Dot. à la prov. pr créances douteuses | 15144 | -0.7519410319410319 | 61050 | 0 | 0 | 52663 | 0 | 0 | 45106 | 0 | 0 | 16112 | 15144 | -0.7519410319410319 | 61050 Dépenses d'exploitation | 814737 | 0.14787419746146335 | 709779 | 0 | 0 | 729439 | 0 | 0 | 719897 | 0 | 0 | 1028134 | 814737 | 0.14787419746146335 | 709779 Bénéfice (perte) net | 135670 | -0.4991176318568127 | 270862 | 0 | 0 | 176216 | 0 | 0 | 194737 | 0 | 0 | 197187 | 135670 | -0.4991176318568127 | 270862 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.10375546089337621 | 0.1067517633540369 | 0 | 0.10327786066000082 | 0 | 0.10009885366620547 | 0 | 0.1031895701030845 | 0.10375546089337621 | 0.1067517633540369 | 0.1031895701030845 | 0.10552232340795924 | 0.10227315077505414 | 0.10359921313727577 Dépôts en % de l'actif | 0.7735330399712156 | 0.7795892896427195 | 0 | 0.7489719368890932 | 0 | 0.7752688165007219 | 0 | 0.7736382273950473 | 0.7735330399712156 | 0.7795892896427195 | 0.7736382273950473 | 0.7804088112639681 | 0.8088959423226253 | 0.7960846586962368 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.025252646383929597 | 0.02045395965346086 | 0 | 0.03351871770823906 | 0 | 0.027223365784246886 | 0 | 0.013240075016499053 | 0.025252646383929597 | 0.02045395965346086 | 0.013240075016499053 | 0.0074986244129951725 | 0.006870518254882838 | 0.004266541929389752 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.2231475464467216 | 1.7376903245199256 | 0 | 1.0259087661616173 | 0 | 1.2016308399129814 | 0 | 2.2618946595147778 | 1.2231475464467216 | 1.7376903245199256 | 2.2618946595147778 | 4.463129196748624 | 3.231813411536236 | 4.266213712168005 Prêts improductifs nets en % de l'avoir des actionnaires | -0.012169646998271267 | -0.035507061290970594 | 0 | -0.002002076117667348 | 0 | -0.012740848349124893 | 0 | -0.03694352588171516 | -0.012169646998271267 | -0.035507061290970594 | -0.03694352588171516 | -0.06640980872551512 | -0.048604081650089656 | -0.04199030095910973 Rentabilité ROA (rendement de l'actif) | 0.010307202125196627 | 0.021790185338091402 | 0 | 0.013694438375202168 | 0 | 0.014922157078007517 | 0 | 0.01513455725249151 | 0.010307202125196627 | 0.021790185338091402 | 0.016579160262594303 | 0.025372424256520285 | 0.028301767134140763 | 0.031499650789018965 ROE (rendement avoir des action.) | 0.09961097607669905 | 0.20528370869118392 | 0 | 0.13044544796808671 | 0 | 0.14673350173963332 | 0 | 0.14889069309524858 | 0.09961097607669905 | 0.20528370869118392 | 0.15892966147968088 | 0.24407819179642637 | 0.27508870963298454 | 0.2754054352069889 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7556752658214456 | 0.7914204651850779 | 0 | 0.7851814802168048 | 0 | 0.7754228842499701 | 0 | 0.7729506556392852 | 0.7556752658214456 | 0.7914204651850779 | 0.7813907597271674 | 0.8223966371902904 | 0.7993268773615595 | 0.7860901596732269 Rendement moyen des prêts | 0.1504897486517485 | 0.16563764461589256 | 0 | 0.16247821022740816 | 0 | 0.16147974782511643 | 0 | 0.16204342918706444 | 0.1504897486517485 | 0.16563764461589256 | 0.16147344511706513 | 0.16463297582703698 | 0.14536228814988364 | 0.15817093593204473 Rendement moyen des prêts productifs | 0.15344124932434383 | 0.16796327791730875 | 0 | 0.16697556768369798 | 0 | 0.16654675961391596 | 0 | 0.16539674692545822 | 0.15344124932434383 | 0.16796327791730875 | 0.16314125046881425 | 0.1658212992370864 | 0.14619540671723333 | 0.15906512222369967 Rémunération moyenne des dépôts | 0.013607662388965084 | 0.013671056561882179 | 0 | 0.013630691602525438 | 0 | 0.013595533970458915 | 0 | 0.013717875765872797 | 0.013607662388965084 | 0.013671056561882179 | 0.013739245088030264 | 0.012338974989837543 | 0.012266024250557107 | 0.013981043459199304 Dépenses d'exploitation en % du produit net bancaire | 0.8366660162868791 | 0.6339644583543232 | 0 | 0.7204634661388423 | 0 | 0.7054030828565465 | 0 | 0.8194718761706639 | 0.8366660162868791 | 0.6339644583543232 | 0.7231875945464978 | 0.6275988950655973 | 0.5830335656071177 | 0.6041727397791697 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5152.328042328042 | 6130.52977412731 | 0 | 5509.975510204082 | 0 | 5535.1701694915255 | 0 | 6827.918367346939 | 5152.328042328042 | 6130.52977412731 | 6045.573388203018 | 8537.203230735648 | 5034.915632754342 | 3980.501262626263 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 1271261 | 0 | 0 | 0 | 0 | 0 | 0 | -0.33766135654116597 | 1919352 | -0.04363970115609183 | 2006934 | 0.6036946119842358 | 1251444 | 0.05776062520127089 | 1183107 Avoirs à la BRH | 20891236 | 0 | 0 | 0 | 0 | 0 | 0 | 0.058055445611748024 | 19744935 | 0.10293504018003624 | 17902174 | 0.013660043287653393 | 17660925 | 0.26996385035173137 | 13906636 Avoirs à l'étranger | 9142997 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11284383849092337 | 8215885 | 0.19132538834619217 | 6896424 | 0.39151706995514773 | 4956047 | -0.16414665005769627 | 5929326 Avoirs dans les banques locales | 61322 | 0 | 0 | 0 | 0 | 0 | 0 | 1.512887759701676 | 24403 | -0.47794369330823205 | 46744 | 0.1998254575322775 | 38959 | -0.35693181255467704 | 60583 Autres liquidités | 160573 | 0 | 0 | 0 | 0 | 0 | 0 | -0.5537717628423349 | 359845 | -0.20034266742814985 | 449999 | 1.0439820492555347 | 220158 | -0.1725125537480831 | 266056 31527389 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04173114832532723 | 30264420 | 0.108494438650259 | 27302275 | 0.13158170791850124 | 24127533 | 0.13032245170785622 | 21345708 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 1500000 | 0 | 550000 | 0 | 0 | 0 | 150000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 6253132 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13491129801854804 | 5509798 | 0.08364640914402956 | 5084498 | 0.08714690162476622 | 4676919 | 0.3435743027843237 | 3480953 Portefeuille net | 11777384 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01798816416656741 | 11569274 | -0.09367812179521277 | 12765083 | -0.12027296239761653 | 14510277 | 0.2171181591149883 | 11921831 Immobilisations | 1842097 | 0 | 0 | 0 | 0 | 0 | 0 | 0.009687446387159118 | 1824423 | 0.12251806595110426 | 1625295 | 0.17732684484417194 | 1380496 | 0.1980206783914801 | 1152314 Autres actifs | 1631385 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01845395096218376 | 1601825 | -0.008003720702102927 | 1614749 | 0.49367056993083647 | 1081061 | 0.27487517305955134 | 847974 53031387 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014571470988759463 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 PASSIF Dépôts À vue | 18890692 | 0 | 0 | 0 | 0 | 0 | 0 | -0.019954327082956556 | 19275318 | 0.09186911653696439 | 17653506 | 0.0008623849414016491 | 17638295 | 0.2193429014455864 | 14465410 Épargne | 11781118 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07689566840172404 | 10939888 | 0.026711477043753935 | 10655270 | 0.1300746010635477 | 9428820 | 0.2742180720789557 | 7399691 À terme | 10349720 | 0 | 0 | 0 | 0 | 0 | 0 | 0.012428953199376718 | 10222663 | 0.03406351704050834 | 9885914 | -0.007551647969503883 | 9961137 | 0.09443548572281794 | 9101621 41021530 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014433525169192274 | 40437869 | 0.05873012714594621 | 38194690 | 0.031501297981876106 | 37028252 | 0.19574335313889535 | 30966722 Obligations à vue Banques locales | 650000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 650000 | 0 | 650000 | 0 | 300000 | 0 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3817913 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1158470255189333 | 3421538 | 0.3688676191889784 | 2499539 | 0.45143811784599375 | 1722112 | 0.2799628968686057 | 1345439 4467913 | 0 | 0 | 0 | 0 | 0 | 0 | 0.09735264659202493 | 4071538 | 0.29274093764198506 | 3149539 | 0.5575492356506464 | 2022112 | 0.22891945553739762 | 1645439 Obligations à terme Banques locales | 351217 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04556707474489449 | 367985 | -0.15417024856455921 | 435058 | -0.13376128449062 | 502238 | -0.11764850563242704 | 569204 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | -43916 | 0 | 0 | 0 | 0 | 0 | 0 | -1.210107311845448 | 209017 | -0.24792656906099214 | 277921 | 2.4908120329083716 | 79615 | -0.6055206790108164 | 201823 307301 | 0 | 0 | 0 | 0 | 0 | 0 | -0.46741779057958205 | 577002 | -0.19071669712572178 | 712979 | 0.22535932615282553 | 581853 | -0.2453532755662253 | 771027 Autres passifs | 1732347 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03201316019599484 | 1789639 | 0.040349279078541286 | 1720229 | 0.176318258405453 | 1462384 | -0.015699575085026746 | 1485709 47529091 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013931272533896201 | 46876048 | 0.07078100529274932 | 43777437 | 0.06528439100795747 | 41094601 | 0.1785460549555095 | 34868897 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2025000 | 0 | 2025000 | 0 | 2025000 | 1.5 | 810000 Réserves | 706455 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 706455 | 0.273708901565689 | 554644 | 0.25376143802669177 | 442384 | -0.26984399448071883 | 605876 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1384 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 2769457 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04081548285455829 | 2660853 | 0.0299670787149667 | 2583435 | 0.16743420562090672 | 2212917 | -0.15299030897301294 | 2612623 5502296 | 0 | 0 | 0 | 0 | 0 | 0 | 0.020135372950476224 | 5393692 | 0.04438583450012131 | 5164463 | 0.10312056449761144 | 4681685 | 0.16174216472289643 | 4029883 53031387 | 0 | 0 | 0 | 0 | 0 | 0 | 0.014571470988759463 | 52269740 | 0.06799572554396131 | 48941900 | 0.06915401568401595 | 45776286 | 0.17680518514976562 | 38898780 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 | 45416 | 0 | 0 | 0 | 136707 | 274169 | 323187 | 240645 Portefeuille brut | 11882913 | 0 | 0 | 0 | 0 | 0 | 0 | -0.003649872807843881 | 11926443 | -0.09696656091285522 | 13207089 | -0.11002142012453955 | 14839783 | 0.22209999213529272 | 12142855 Provisions pour créances douteuses | 367036 | 0 | 0 | 0 | 0 | 0 | 0 | 0.027625577807704475 | 357169 | -0.19193630855689742 | 442006 | 0.3414201865823384 | 329506 | 0.4908154770522658 | 221024 Portefeuille de crédit improductif | 300075 | 0 | 0 | 0 | 0 | 0 | 0 | 0.9003274079046527 | 157907 | 0.5944565052759125 | 99035 | -0.02865914061810371 | 101957 | 0.9679779184681903 | 51808 [capitalbkcomp ] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 1271261 | 0.02397186028719181 | 0 | 0 | 0 | 0 | 0 | 0 | 2006934 | 0.041006458678555596 | 2006934 | 0.041006458678555596 | 1251444 | 0.027338259814262782 | 1183107 | 0.030415015586607086 Avoirs à la BRH | 20891236 | 0.3939409693357634 | 0 | 0 | 0 | 0 | 0 | 0 | 17902174 | 0.3657842053536949 | 17902174 | 0.3657842053536949 | 17660925 | 0.38580947785934405 | 13906636 | 0.35750828175073873 Avoirs à l'étranger | 9142997 | 0.1724072764681791 | 0 | 0 | 0 | 0 | 0 | 0 | 6896424 | 0.14091042644441676 | 6896424 | 0.14091042644441676 | 4956047 | 0.10826669074900484 | 5929326 | 0.15242961347373876 Avoirs dans les banques locales | 61322 | 0.0011563340781563945 | 0 | 0 | 0 | 0 | 0 | 0 | 46744 | 0.0009550916494864319 | 46744 | 0.0009550916494864319 | 38959 | 0.0008510738507706807 | 60583 | 0.001557452444523967 Autres liquidités | 160573 | 0.0030278861082777262 | 0 | 0 | 0 | 0 | 0 | 0 | 449999 | 0.009194555176648229 | 449999 | 0.009194555176648229 | 220158 | 0.004809433425857222 | 266056 | 0.0068397003710656224 31527389 | 0.5945043262775684 | 0 | 0 | 0 | 0 | 0 | 0 | 27302275 | 0.5578507373028019 | 27302275 | 0.5578507373028019 | 24127533 | 0.5270749356992396 | 21345708 | 0.5487500636266741 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 550000 | 0.011237814633269243 | 550000 | 0.011237814633269243 | 0 | 0 | 150000 | 0.003856162069864402 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 6253132 | 0.11791379320325904 | 0 | 0 | 0 | 0 | 0 | 0 | 5084498 | 0.1038884473222331 | 5084498 | 0.1038884473222331 | 4676919 | 0.10216903573173236 | 3480953 | 0.08948745950387132 Portefeuille net | 11777384 | 0.22208327306242245 | 0 | 0 | 0 | 0 | 0 | 0 | 12765083 | 0.2608211573314481 | 12765083 | 0.2608211573314481 | 14510277 | 0.3169824000138412 | 11921831 | 0.3064834167035573 Immobilisations | 1842097 | 0.03473597626251035 | 0 | 0 | 0 | 0 | 0 | 0 | 1625295 | 0.03320866169887152 | 1625295 | 0.03320866169887152 | 1380496 | 0.030157448771619435 | 1152314 | 0.02962339692915819 Autres actifs | 1631385 | 0.030762631194239744 | 0 | 0 | 0 | 0 | 0 | 0 | 1614749 | 0.03299318171137614 | 1614749 | 0.03299318171137614 | 1081061 | 0.023616179783567413 | 847974 | 0.02179950116687464 53031387 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 48941900 | 1 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1 PASSIF Dépôts À vue | 18890692 | 0.356217196431238 | 0 | 0 | 0 | 0 | 0 | 0 | 17653506 | 0.3607033237369207 | 17653506 | 0.3607033237369207 | 17638295 | 0.3853151170892283 | 14465410 | 0.3718731024469148 Épargne | 11781118 | 0.22215368419460724 | 0 | 0 | 0 | 0 | 0 | 0 | 10655270 | 0.21771263477715413 | 10655270 | 0.21771263477715413 | 9428820 | 0.2059760811525863 | 7399691 | 0.19022938508611323 À terme | 10349720 | 0.19516215934537032 | 0 | 0 | 0 | 0 | 0 | 0 | 9885914 | 0.20199285274989323 | 9885914 | 0.20199285274989323 | 9961137 | 0.21760474408081076 | 9101621 | 0.2339821711632087 41021530 | 0.7735330399712156 | 0 | 0 | 0 | 0 | 0 | 0 | 38194690 | 0.7804088112639681 | 38194690 | 0.7804088112639681 | 37028252 | 0.8088959423226253 | 30966722 | 0.7960846586962368 Obligations à vue Banques locales | 650000 | 0.012256892319259914 | 0 | 0 | 0 | 0 | 0 | 0 | 650000 | 0.013281053657500015 | 650000 | 0.013281053657500015 | 300000 | 0.00655361162327586 | 300000 | 0.007712324139728804 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3817913 | 0.07199345926969626 | 0 | 0 | 0 | 0 | 0 | 0 | 2499539 | 0.051071556273867585 | 2499539 | 0.051071556273867585 | 1722112 | 0.037620177399276124 | 1345439 | 0.034588205594108606 4467913 | 0.08425035158895618 | 0 | 0 | 0 | 0 | 0 | 0 | 3149539 | 0.0643526099313676 | 3149539 | 0.0643526099313676 | 2022112 | 0.04417378902255198 | 1645439 | 0.04230052973383741 Obligations à terme Banques locales | 351217 | 0.006622813768759245 | 0 | 0 | 0 | 0 | 0 | 0 | 435058 | 0.00888927483403791 | 435058 | 0.00888927483403791 | 502238 | 0.010971575981502737 | 569204 | 0.014632952498767313 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | -43916 | -0.0008281133586040282 | 0 | 0 | 0 | 0 | 0 | 0 | 277921 | 0.0056785903285324025 | 277921 | 0.0056785903285324025 | 79615 | 0.0017392192979570251 | 201823 | 0.005188414649508288 307301 | 0.005794700410155216 | 0 | 0 | 0 | 0 | 0 | 0 | 712979 | 0.014567865162570312 | 712979 | 0.014567865162570312 | 581853 | 0.012710795279459763 | 771027 | 0.019821367148275603 Autres passifs | 1732347 | 0.03266644713629685 | 0 | 0 | 0 | 0 | 0 | 0 | 1720229 | 0.03514839023413476 | 1720229 | 0.03514839023413476 | 1462384 | 0.031946322600308816 | 1485709 | 0.03819423128437447 47529091 | 0.8962445391066238 | 0 | 0 | 0 | 0 | 0 | 0 | 43777437 | 0.8944776765920408 | 43777437 | 0.8944776765920408 | 41094601 | 0.8977268492249458 | 34868897 | 0.8964007868627242 AVOIR DES ACTIONNAIRES Capital versé | 2025000 | 0.03818493376384819 | 0 | 0 | 0 | 0 | 0 | 0 | 2025000 | 0.041375590240673124 | 2025000 | 0.041375590240673124 | 2025000 | 0.04423687845711205 | 810000 | 0.02082327517726777 Réserves | 706455 | 0.013321450559081172 | 0 | 0 | 0 | 0 | 0 | 0 | 554644 | 0.011332702653554521 | 554644 | 0.011332702653554521 | 442384 | 0.009664043081170894 | 605876 | 0.015575707001607762 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 | 2.6097752261316493e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 1384 | 2.827842809535388e-05 | 1384 | 2.827842809535388e-05 | 1384 | 3.02339949553793e-05 | 1384 | 3.5579522031282215e-05 BNR | 2769457 | 0.052222978818185536 | 0 | 0 | 0 | 0 | 0 | 0 | 2583435 | 0.05278575208563623 | 2583435 | 0.05278575208563623 | 2212917 | 0.048341995241815816 | 2612623 | 0.06716465143636896 5502296 | 0.10375546089337621 | 0 | 0 | 0 | 0 | 0 | 0 | 5164463 | 0.10552232340795924 | 5164463 | 0.10552232340795924 | 4681685 | 0.10227315077505414 | 4029883 | 0.10359921313727577 53031387 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 48941900 | 1 | 48941900 | 1 | 45776286 | 1 | 38898780 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 447358 | 823903 | 1271261 | 0.3519009865008051 | 634348 | 1285004 | 1919352 | 0.3305011274638524 Avoirs à la BRH | 12225952 | 8665284 | 20891236 | 0.5852191799470362 | 13344226 | 6400709 | 19744935 | 0.6758303331968426 Avoirs à l'étranger | 9142997 | 0 | 9142997 | 1 | 8215885 | 0 | 8215885 | 1 Avoirs dans les banques locales | 1183 | 60139 | 61322 | 0.019291608231955904 | 792 | 23611 | 24403 | 0.03245502602139081 Autres liquidités | 63255 | 97318 | 160573 | 0.39393297752424133 | 189800 | 170045 | 359845 | 0.5274493184565577 21880745 | 9646644 | 31527389 | 0.6940233775781433 | 22385051 | 7879369 | 30264420 | 0.7396490995036415 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 | 3198592 | 3054540 | 6253132 | 0.5115183879054528 | 3219975 | 3789823 | 7009798 | 0.45935346496432566 Portefeuille net | 7131181 | 4646203 | 11777384 | 0.6054978762686178 | 6953165 | 4616109 | 11569274 | 0.6010027076893503 Immobilisations | 0 | 1842097 | 1842097 | 0 | 0 | 1824423 | 1824423 | 0 Autres actifs | 326798 | 1304587 | 1631385 | 0.200319360543342 | 251807 | 1350018 | 1601825 | 0.15720006867167138 32537316 | 20494071 | 53031387 | 0.6135482747226657 | 32809998 | 19459742 | 52269740 | 0.627705398955495 PASSIF Dépôts À vue | 13347412 | 5543280 | 18890692 | 0.7065602467077436 | 14367797 | 4907521 | 19275318 | 0.7453987010746075 Épargne | 8249840 | 3531278 | 11781118 | 0.7002595169660468 | 7766292 | 3173596 | 10939888 | 0.7099059880686164 À terme | 8143949 | 2205771 | 10349720 | 0.7868762633192009 | 7819052 | 2403611 | 10222663 | 0.7648742798231732 29741201 | 11280329 | 41021530 | 0.7250144253517604 | 29953141 | 10484728 | 40437869 | 0.7407200661340487 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 | 1584534 | 2233379 | 3817913 | 0.4150262198221908 | 1433259 | 1988279 | 3421538 | 0.41889319949098913 1584534 | 2883379 | 4467913 | 0.354647460682426 | 1433259 | 2638279 | 4071538 | 0.35201906503144514 Obligations à terme Banques locales | 0 | 351217 | 351217 | 0 | 0 | 367985 | 367985 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | -43916 | -43916 | 0 | 0 | 209017 | 209017 | 0 0 | 307301 | 307301 | 0 | 0 | 577002 | 577002 | 0 Autres passifs | 1229584 | 502763 | 1732347 | 0.7097792763228152 | 1236730 | 552909 | 1789639 | 0.6910499827060094 32555319 | 14973772 | 47529091 | 0.684955641167217 | 32623130 | 14252918 | 46876048 | 0.6959445472024434 AVOIR DES ACTIONNAIRES Capital versé | 0 | 2025000 | 2025000 | 0 | 0 | 2025000 | 2025000 | 0 Réserves | 0 | 706455 | 706455 | 0 | 0 | 706455 | 706455 | 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 | 2769457 | 2769457 | 0 | 0 | 2660853 | 2660853 | 0 0 | 5502296 | 5502296 | 0 | 0 | 5393692 | 5393692 | 0 32555319 | 20476068 | 53031387 | 0.6138877529263943 | 32623130 | 19646610 | 52269740 | 0.6241303285610375 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes [CAPITALBKRÉSULT ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 447883 | 0 | 0 | 0 | 0 | 0 | 0 | 536121 | -0.04639997314039181 | 511245 | -0.030374869191874737 | 495716 | -0.019363909980714765 | 486117 Intérêts sur Bons B.R.H. | 21194 | 0 | 0 | 0 | 0 | 0 | 0 | 9439 | -0.4555567327047357 | 5139 | -0.1852500486475968 | 4187 | 2.5032242655839503 | 14668 Autres | 98033 | 0 | 0 | 0 | 0 | 0 | 0 | 89929 | 0.19430884364331863 | 107403 | -0.04888131616435295 | 102153 | 0.06554873571994949 | 108849 567110 | 0 | 0 | 0 | 0 | 0 | 0 | 635489 | -0.018414166098862452 | 623787 | -0.03483721206116831 | 602056 | 0.012586868995575163 | 609634 Dépenses d'intérêt | 138559 | 0 | 0 | 0 | 0 | 0 | 0 | 132550 | 0.01094681252357601 | 134001 | 0.009007395467198006 | 135208 | 0.02373380273356606 | 138417 428551 | 0 | 0 | 0 | 0 | 0 | 0 | 502939 | -0.02615227691628607 | 489786 | -0.046832698362141836 | 466848 | 0.009358506408938242 | 471217 AUTRES REVENUS Commissions | 312319 | 0 | 0 | 0 | 0 | 0 | 0 | 321562 | -0.17930912234654592 | 263903 | 0.0896920459411223 | 287573 | 0.07388384862278448 | 308820 Gains sur change | 117883 | 0 | 0 | 0 | 0 | 0 | 0 | 181114 | -0.1900460483452411 | 146694 | -0.10236274148908613 | 131678 | -0.023314448882880968 | 128608 Autres | 115037 | 0 | 0 | 0 | 0 | 0 | 0 | 113973 | -0.016653066954454124 | 112075 | 0.19962525094802588 | 134448 | 1.5733740925859812 | 345985 545239 | 0 | 0 | 0 | 0 | 0 | 0 | 616649 | -0.15239950117489853 | 522672 | 0.059362276915541676 | 553699 | 0.414871617972942 | 783413 PRODUIT NET BANCAIRE | 973790 | 0 | 0 | 0 | 0 | 0 | 0 | 1119588 | -0.09568698485514314 | 1012458 | 0.00798946721740556 | 1020547 | 0.2293701318998537 | 1254630 Dotation à la provisions pour créances douteuses | 15144 | 0 | 0 | 0 | 0 | 0 | 0 | 61050 | -0.13737919737919738 | 52663 | -0.14349733209274063 | 45106 | -0.6427969671440606 | 16112 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 958646 | 0 | 0 | 0 | 0 | 0 | 0 | 1058538 | -0.0932824329405274 | 959795 | 0.016301397694299304 | 975441 | 0.2697005764572127 | 1238518 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 299121 | 0 | 0 | 0 | 0 | 0 | 0 | 273354 | 0.06911916416075857 | 292248 | -0.0011941912348416414 | 291899 | 0.06862647696634795 | 311931 Frais de locaux | 89170 | 0 | 0 | 0 | 0 | 0 | 0 | 32469 | 0.4691243955773199 | 47701 | -0.03249407769229157 | 46151 | 4.311845897163659 | 245147 Amortissement | 42024 | 0 | 0 | 0 | 0 | 0 | 0 | 33589 | -0.005894786983833993 | 33391 | 0.05869845167859603 | 35351 | 0.06992730050069305 | 37823 Autres dépenses d'exploitation | 384422 | 0 | 0 | 0 | 0 | 0 | 0 | 370367 | -0.03852395056795017 | 356099 | -0.026967219790002217 | 346496 | 0.2503261220908755 | 433233 814737 | 0 | 0 | 0 | 0 | 0 | 0 | 709779 | 0.02769876257257541 | 729439 | -0.013081285755217366 | 719897 | 0.428168196283635 | 1028134 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 143909 | 0 | 0 | 0 | 0 | 0 | 0 | 348759 | -0.33949804879587336 | 230356 | 0.10934379829481325 | 255544 | -0.17672103434242245 | 210384 Impôts sur le revenu | 8239 | 0 | 0 | 0 | 0 | 0 | 0 | 77897 | -0.304979652618201 | 54140 | 0.1231437015145918 | 60807 | -0.7829690660614732 | 13197 BÉNÉFICE NET | 135670 | 0 | 0 | 0 | 0 | 0 | 0 | 270862 | -0.34942516853600725 | 176216 | 0.10510396331774641 | 194737 | 0.0125810708802128 | 197187 0 | 0 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 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 | 447883 | -0.1645859796575773 | 536121 | 0 | 0 | 511245 | 0 | 0 | 495716 | 0 | 0 | 486117 | 447883 | -0.1645859796575773 | 536121 | 2029199 Intérêts sur Bons B.R.H. | 21194 | 1.245364975103295 | 9439 | 0 | 0 | 5139 | 0 | 0 | 4187 | 0 | 0 | 14668 | 21194 | 1.245364975103295 | 9439 | 33433 Autres | 98033 | 0.09011553558918703 | 89929 | 0 | 0 | 107403 | 0 | 0 | 102153 | 0 | 0 | 108849 | 98033 | 0.09011553558918703 | 89929 | 408334 567110 | -0.10760060362964584 | 635489 | 0 | 0 | 623787 | 0 | 0 | 602056 | 0 | 0 | 609634 | 567110 | -0.10760060362964584 | 635489 | 2470966 Dépenses d'intérêt | 138559 | 0.04533383628819313 | 132550 | 0 | 0 | 134001 | 0 | 0 | 135208 | 0 | 0 | 138417 | 138559 | 0.04533383628819313 | 132550 | 540176 428551 | -0.14790660497595134 | 502939 | 0 | 0 | 489786 | 0 | 0 | 466848 | 0 | 0 | 471217 | 428551 | -0.14790660497595134 | 502939 | 1930790 AUTRES REVENUS Commissions | 312319 | -0.0287440680179872 | 321562 | 0 | 0 | 263903 | 0 | 0 | 287573 | 0 | 0 | 308820 | 312319 | -0.0287440680179872 | 321562 | 1181858 Gains sur change | 117883 | -0.3491226520313173 | 181114 | 0 | 0 | 146694 | 0 | 0 | 131678 | 0 | 0 | 128608 | 117883 | -0.3491226520313173 | 181114 | 588094 Autres | 115037 | 0.009335544383318857 | 113973 | 0 | 0 | 112075 | 0 | 0 | 134448 | 0 | 0 | 345985 | 115037 | 0.009335544383318857 | 113973 | 706481 545239 | -0.11580331760855851 | 616649 | 0 | 0 | 522672 | 0 | 0 | 553699 | 0 | 0 | 783413 | 545239 | -0.11580331760855851 | 616649 | 2476433 PRODUIT NET BANCAIRE | 973790 | -0.13022468979660376 | 1119588 | 0 | 0 | 1012458 | 0 | 0 | 1020547 | 0 | 0 | 1254630 | 973790 | -0.13022468979660376 | 1119588 | 4407223 Dotation à la provisions pour créances douteuses | 15144 | -0.7519410319410319 | 61050 | 0 | 0 | 52663 | 0 | 0 | 45106 | 0 | 0 | 16112 | 15144 | -0.7519410319410319 | 61050 | 174931 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 958646 | -0.09436789231940658 | 1058538 | 0 | 0 | 959795 | 0 | 0 | 975441 | 0 | 0 | 1238518 | 958646 | -0.09436789231940658 | 1058538 | 4232292 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 299121 | 0.09426238503917997 | 273354 | 0 | 0 | 292248 | 0 | 0 | 291899 | 0 | 0 | 311931 | 299121 | 0.09426238503917997 | 273354 | 1169432 Frais de locaux | 89170 | 1.746311866703625 | 32469 | 0 | 0 | 47701 | 0 | 0 | 46151 | 0 | 0 | 245147 | 89170 | 1.746311866703625 | 32469 | 371468 Amortissement | 42024 | 0.2511238798416148 | 33589 | 0 | 0 | 33391 | 0 | 0 | 35351 | 0 | 0 | 37823 | 42024 | 0.2511238798416148 | 33589 | 140154 Autres dépenses d'exploitation | 384422 | 0.03794884533449255 | 370367 | 0 | 0 | 356099 | 0 | 0 | 346496 | 0 | 0 | 433233 | 384422 | 0.03794884533449255 | 370367 | 1506195 814737 | 0.14787419746146335 | 709779 | 0 | 0 | 729439 | 0 | 0 | 719897 | 0 | 0 | 1028134 | 814737 | 0.14787419746146335 | 709779 | 3187249 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 143909 | -0.5873683546517796 | 348759 | 0 | 0 | 230356 | 0 | 0 | 255544 | 0 | 0 | 210384 | 143909 | -0.5873683546517796 | 348759 | 1045043 Impôts sur le revenu | 8239 | -0.8942321270395522 | 77897 | 0 | 0 | 54140 | 0 | 0 | 60807 | 0 | 0 | 13197 | 8239 | -0.8942321270395522 | 77897 | 206041 BÉNÉFICE NET | 135670 | -0.4991176318568127 | 270862 | 0 | 0 | 176216 | 0 | 0 | 194737 | 0 | 0 | 197187 | 135670 | -0.4991176318568127 | 270862 | 839002 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 447883 | -0.1645859796575773 | 536121 | 2029199 | -0.12107184933642884 | 2308720 | 0.1772402529359364 | 1961129 | 0.21573583134805138 | 1613121 Intérêts sur Bons B.R.H. | 21194 | 1.245364975103295 | 9439 | 33433 | 0.14394717032779034 | 29226 | 2.3975819576842596 | 8602 | 0.3254237288135593 | 6490 Autres | 98033 | 0.09011553558918703 | 89929 | 408334 | 0.48427339180755125 | 275107 | 1.5391757810697309 | 108345 | 0.7058443807664452 | 63514 567110 | -0.10760060362964584 | 635489 | 2470966 | -0.05437585843073217 | 2613053 | 0.25743861148485425 | 2078076 | 0.23465339769773486 | 1683125 Dépenses d'intérêt | 138559 | 0.04533383628819313 | 132550 | 540176 | 0.1639541723857811 | 464087 | 0.11288110231311178 | 417014 | 0.15825317953432563 | 360037 428551 | -0.14790660497595134 | 502939 | 1930790 | -0.10152603624254641 | 2148966 | 0.293730155767816 | 1661062 | 0.2554433265209873 | 1323088 AUTRES REVENUS Commissions | 312319 | -0.0287440680179872 | 321562 | 1181858 | 0.020535785216168886 | 1158076 | 0.24118979204468846 | 933037 | 0.275442217787134 | 731540 Gains sur change | 117883 | -0.3491226520313173 | 181114 | 588094 | -0.3048443892296472 | 845989 | 0.013057353443062683 | 835085 | 0.3146431618751358 | 635218 Autres | 115037 | 0.009335544383318857 | 113973 | 706481 | -0.039565787774356466 | 735585 | 0.16952960293056135 | 628958 | 0.35928905947773015 | 462711 545239 | -0.11580331760855851 | 616649 | 2476433 | -0.09607687113317395 | 2739650 | 0.1429113755068667 | 2397080 | 0.31025997160924834 | 1829469 PRODUIT NET BANCAIRE | 973790 | -0.13022468979660376 | 1119588 | 4407223 | -0.09847224654176151 | 4888616 | 0.2046438986117292 | 4058142 | 0.2872541241918861 | 3152557 Dotation à la provisions pour créances douteuses | 15144 | -0.7519410319410319 | 61050 | 174931 | -0.30374058683988475 | 251244 | 0.32872872661117164 | 189086 | 0.9997884784195108 | 94553 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 958646 | -0.09436789231940658 | 1058538 | 4232292 | -0.08735119804923996 | 4637372 | 0.19857970523042312 | 3869056 | 0.26522267465967997 | 3058004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 299121 | 0.09426238503917997 | 273354 | 1169432 | 0.08447126749095603 | 1078343 | 0.2510389137289752 | 861958 | 0.20812256734350057 | 713469 Frais de locaux | 89170 | 1.746311866703625 | 32469 | 371468 | 0.09071156341940372 | 340574 | 0.1562754630887066 | 294544 | 0.1443223670919517 | 257396 Amortissement | 42024 | 0.2511238798416148 | 33589 | 140154 | 0.22616204299099762 | 114303 | 0.18800798220633172 | 96214 | 0.006991396814100014 | 95546 Autres dépenses d'exploitation | 384422 | 0.03794884533449255 | 370367 | 1506195 | -0.018682363978708295 | 1534870 | 0.37864597414752493 | 1113317 | 0.3280999859235242 | 838278 814737 | 0.14787419746146335 | 709779 | 3187249 | 0.03883816967559622 | 3068090 | 0.296723249422134 | 2366033 | 0.2422148707741789 | 1904689 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 143909 | -0.5873683546517796 | 348759 | 1045043 | -0.3340629663757056 | 1569282 | 0.0440838230685758 | 1503023 | 0.30321984887043 | 1153315 Impôts sur le revenu | 8239 | -0.8942321270395522 | 77897 | 206041 | -0.43959887615695725 | 367667 | 0.2062723920261421 | 304796 | 1.3806607826290713 | 128030 BÉNÉFICE NET | 135670 | -0.4991176318568127 | 270862 | 839002 | -0.3017713660365425 | 1201615 | 0.0028275109808074766 | 1198227 | 0.16867700200432076 | 1025285 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 1162892 | 0 | 0 | 0 | 0 | 0 | 0 | -0.6226925898443292 | 3082081 | -0.4737907920930693 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 Dépôts | 3 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9999984531952346 | 1939482 | -0.5521170201268633 | 4330332 | 0.05926694562634569 | 4088046 | -0.10085488207430972 | 4546592 Avoir des Actionnaires | 581966 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07803568939077095 | 631224 | 0.13080023647014563 | 558210 | 0.18472659665684718 | 471172 | -0.0155099823441532 | 478595 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 5961 | -0.6925893455726884 | 19391 | 0 | 0 | 20380 | 0 | 0 | 20239 | 0 | 0 | 12377 | 5961 | -0.6925893455726884 | 19391 Autres revenus | 36203 | -0.5236635395971212 | 76003 | 0 | 0 | 71640 | 0 | 0 | 68602 | 0 | 0 | 58932 | 36203 | -0.5236635395971212 | 76003 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 | 90695 | 0.473421711017968 | 61554 | 0 | 0 | 51512 | 0 | 0 | 51176 | 0 | 0 | 52577 | 90695 | 0.473421711017968 | 61554 Bénéfice (perte) net | -48531 | -3.080197171024432 | 23330 | 0 | 0 | 27925 | 0 | 0 | 25966 | 0 | 0 | 12913 | -48531 | -3.080197171024432 | 23330 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.5004471610433299 | 0.10257127224836829 | 0 | 0.07684979004426276 | 0 | 0.12340300942936439 | 0 | 0.20480448112817282 | 0.5004471610433299 | 0.10257127224836829 | 0.20480448112817282 | 0.09530419283131357 | 0.08333174158833513 | 0.07948592365318863 Dépôts en % de l'actif | 2.579775249980222e-06 | 0.7271026489150073 | 0 | 0.776556554760289 | 0 | 0.7569572646979813 | 0 | 0.6292767776057799 | 2.579775249980222e-06 | 0.7271026489150073 | 0.6292767776057799 | 0.7393253362562616 | 0.7230140858820708 | 0.7551062267558127 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) | -0.09146065239990926 | 0.016034314670504455 | 0 | 0.01655369792865371 | 0 | 0.016326843717912685 | 0 | 0.012765243897541445 | -0.09146065239990926 | 0.016034314670504455 | 0.020165963007291128 | 0.015602589496314581 | 0.0009988419942406658 | 0.009096352708335505 ROE (rendement avoir des action.) | -0.32002242023096134 | 0.16210267950587517 | 0 | 0.18838505770873512 | 0 | 0.17153101138458973 | 0 | 0.08267382238381096 | -0.32002242023096134 | 0.16210267950587517 | 0.1515577997602221 | 0.17447971277912377 | 0.012278570359045997 | 0.09865834630528723 Revenus nets d'intérêt en % des revenus d'intérêt | 1 | 0.9644864461576722 | 0 | 0.9887923924118189 | 0 | 1 | 0 | 1 | 1 | 0.9644864461576722 | 0.9871134020618557 | 0.9565935768131906 | 0.9076769866143347 | 0.9639843695967909 Rendement moyen des prêts | 0.05425293990332588 | 0.24901983096610011 | 0 | 0.24405433084713501 | 0 | 0.24997534695058213 | 0 | 0.24344563884279632 | 0.05425293990332588 | 0.24901983096610011 | 0.33978720324261724 | 0.24691983820745445 | 0.20038562638480795 | 0.21806725986208111 Rendement moyen des prêts productifs | 0.05425293990332588 | 0.24901983096610011 | 0 | 0.24405433084713501 | 0 | 0.24997534695058213 | 0 | 0.24344563884279632 | 0.05425293990332588 | 0.24901983096610011 | 0.33978720324261724 | 0.24691983820745445 | 0.20038562638480795 | 0.21806725986208111 Rémunération moyenne des dépôts | 0 | 0.0006692371528317625 | 0 | 0.00018128289431089544 | 0 | 0 | 0 | 0 | 0 | 0.0006692371528317625 | 0.0003014443490668144 | 0.0008987479535844078 | 0.0007300827203178639 | 0.0005553250957889135 Dépenses d'exploitation en % du produit net bancaire | 2.1510055971919173 | 0.6452607082206429 | 0 | 0.5597913497065855 | 0 | 0.5760403417341092 | 0 | 0.7373122607244528 | 2.1510055971919173 | 0.6452607082206429 | 0.6238246768940396 | 0.6724850101443621 | 0.9954206864714064 | 0.8148668377746718 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 16865.6 | 23125.81818181818 | 0 | 25384.827586206895 | 0 | 27335.69230769231 | 0 | 23769.666666666668 | 16865.6 | 23125.81818181818 | 24826 | 26287.17948717949 | 13348.217391304348 | 14206.88 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 63 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 63 | -0.6037735849056604 | 159 | -0.9886217260626878 | 13974 | -0.7877936553734947 | 65851 Avoirs à la BRH | 929787 | 0 | 0 | 0 | 0 | 0 | 0 | -0.6129122908102644 | 2402006 | -0.5030048269656244 | 4833057 | 0.2199600065831123 | 3961652 | -0.04769949467390818 | 4160086 Avoirs à l'étranger | 20768 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9500664802494753 | 415913 | -0.3134517326589667 | 605803 | -0.47939727943887245 | 1163657 | -0.067155725897025 | 1247429 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4538 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 7881 | -0.9371696443519648 | 125433 | 0.8844819038175508 | 66561 950618 | 0 | 0 | 0 | 0 | 0 | 0 | -0.6626600169908822 | 2817982 | -0.4830754747646401 | 5451438 | 0.03546668044392138 | 5264716 | -0.04967773041052707 | 5539927 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 Immobilisations | 232160 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03490247593076041 | 240556 | -0.07827652930245033 | 260985 | -0.014641531659763727 | 264863 | -0.03324086578822499 | 273970 Autres actifs | -19886 | 0 | 0 | 0 | 0 | 0 | 0 | -3.0539144804792397 | 9682 | -0.7985015608740895 | 48050 | 0.7206187781995274 | 27926 | -0.144738453999755 | 32652 1162892 | 0 | 0 | 0 | 0 | 0 | 0 | -0.6226925898443292 | 3082081 | -0.4737907920930693 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129 PASSIF Dépôts À vue | 3 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9999984496468554 | 1935043 | -0.47943406728360205 | 3717191 | 0.11021771932318727 | 3348164 | -0.15608382590872188 | 3967413 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | -0.9999852147313846 | 608714 | -0.17233343032504916 | 735458 | 0.2795959342888659 | 574758 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4430 | 0.0006776598147729839 | 4427 | 0.000678119349005425 | 4424 | 0.0006785795068988917 | 4421 3 | 0 | 0 | 0 | 0 | 0 | 0 | -0.9999984531952346 | 1939482 | -0.5521170201268633 | 4330332 | 0.05926694562634569 | 4088046 | -0.10085488207430972 | 4546592 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 | 482910 | 0 | 0 | 0 | 0 | 0 | 0 | 0.20920973557692307 | 399360 | -0.5326356884893282 | 854494 | -0.15584604183358047 | 1012249 | 0.11901537604370603 | 904589 482910 | 0 | 0 | 0 | 0 | 0 | 0 | 0.20920973557692307 | 399360 | -0.5326356884893282 | 854494 | -0.15584604183358047 | 1012249 | 0.11901537604370603 | 904589 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 | 98013 | 0 | 0 | 0 | 0 | 0 | 0 | -0.12500111592197474 | 112015 | -0.018307859496599594 | 114104 | 0.3796505652620761 | 82705 | -0.09466574715663416 | 91353 98013 | 0 | 0 | 0 | 0 | 0 | 0 | -0.12500111592197474 | 112015 | -0.018307859496599594 | 114104 | 0.3796505652620761 | 82705 | -0.09466574715663416 | 91353 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 580926 | 0 | 0 | 0 | 0 | 0 | 0 | -0.7629702589747178 | 2450857 | -0.5374807744204962 | 5298930 | 0.022367354813814393 | 5183000 | -0.06486816319033857 | 5542534 AVOIR DES ACTIONNAIRES Capital versé | 133333 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 133333 | 0.2840605949709641 | 103837 | 0 | 103837 | 0 | 103837 Réserves | 74036 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 74036 | 0.24875185535015518 | 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 | 374597 | 0 | 0 | 0 | 0 | 0 | 0 | -0.11621427138998007 | 423855 | 0.07281977296024907 | 395085 | 0.28254779303158284 | 308047 | -0.02352997115415095 | 315470 581966 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07803568939077095 | 631224 | 0.13080023647014563 | 558210 | 0.18472659665684718 | 471172 | -0.0155099823441532 | 478595 1162892 | 0 | 0 | 0 | 0 | 0 | 0 | -0.6226925898443292 | 3082081 | -0.4737907920930693 | 5857140 | 0.03589703319955601 | 5654172 | -0.0609448825959384 | 6021129 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 | 0 | 0 | 0 | 0 | 0 | 117292.29325 | 15890.1345 | 523955.56958 Portefeuille brut | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 13861 | -0.856610839272968 | 96667 | 0 | 96667 | -0.4462882346202314 | 174580 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. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 63 | 5.4175280249584656e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 63 | 2.0440734685428448e-05 | 159 | 2.714635470553888e-05 | 13974 | 0.002471449400548834 | 65851 | 0.010936653242273999 Avoirs à la BRH | 929787 | 0.7995471634511201 | 0 | 0 | 0 | 0 | 0 | 0 | 2402006 | 0.7793455136318611 | 4833057 | 0.8251564756860857 | 3961652 | 0.7006599728483676 | 4160086 | 0.6909146108645073 Avoirs à l'étranger | 20768 | 0.01785892413052975 | 0 | 0 | 0 | 0 | 0 | 0 | 415913 | 0.13494551246381908 | 605803 | 0.10342983094138095 | 1163657 | 0.20580502326423744 | 1247429 | 0.2071752656353983 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4538 | 0.0007747808657467638 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7881 | 0.0013455372417254838 | 125433 | 0.022184150040005856 | 66561 | 0.011054571327071718 950618 | 0.8174602628618994 | 0 | 0 | 0 | 0 | 0 | 0 | 2817982 | 0.9143114668303656 | 5451438 | 0.9307337710896444 | 5264716 | 0.9311205955531597 | 5539927 | 0.9200811010692513 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 | 13861 | 0.004497286086900376 | 96667 | 0.016504130002014634 | 96667 | 0.017096579304626745 | 174580 | 0.02899456231547273 Immobilisations | 232160 | 0.1996402073451361 | 0 | 0 | 0 | 0 | 0 | 0 | 240556 | 0.07804986306330042 | 260985 | 0.04455843636996896 | 264863 | 0.04684381727333374 | 273970 | 0.04550143336905753 Autres actifs | -19886 | -0.017100470207035562 | 0 | 0 | 0 | 0 | 0 | 0 | 9682 | 0.003141384019433623 | 48050 | 0.00820366253837197 | 27926 | 0.004939007868879829 | 32652 | 0.005422903246218442 1162892 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 3082081 | 1 | 5857140 | 1 | 5654172 | 1 | 6021129 | 1 PASSIF Dépôts À vue | 3 | 2.579775249980222e-06 | 0 | 0 | 0 | 0 | 0 | 0 | 1935043 | 0.6278365169507226 | 3717191 | 0.6346426754354514 | 3348164 | 0.5921581444639463 | 3967413 | 0.6589151303684077 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 2.920104955061207e-06 | 608714 | 0.1039268311838201 | 735458 | 0.1300735103212283 | 574758 | 0.09545684870727732 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4430 | 0.0014373405501023496 | 4427 | 0.0007558296369900668 | 4424 | 0.0007824310968962387 | 4421 | 0.0007342476801277634 3 | 2.579775249980222e-06 | 0 | 0 | 0 | 0 | 0 | 0 | 1939482 | 0.6292767776057799 | 4330332 | 0.7393253362562616 | 4088046 | 0.7230140858820708 | 4546592 | 0.7551062267558127 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 | 482910 | 0.4152664219893163 | 0 | 0 | 0 | 0 | 0 | 0 | 399360 | 0.12957479053924928 | 854494 | 0.14588929067770276 | 1012249 | 0.1790269202988519 | 904589 | 0.15023577804096208 482910 | 0.4152664219893163 | 0 | 0 | 0 | 0 | 0 | 0 | 399360 | 0.12957479053924928 | 854494 | 0.14588929067770276 | 1012249 | 0.1790269202988519 | 904589 | 0.15023577804096208 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 | 98013 | 0.08428383719210382 | 0 | 0 | 0 | 0 | 0 | 0 | 112015 | 0.0363439507267979 | 114104 | 0.019481180234722065 | 82705 | 0.014627252230742184 | 91353 | 0.015172071550036546 98013 | 0.08428383719210382 | 0 | 0 | 0 | 0 | 0 | 0 | 112015 | 0.0363439507267979 | 114104 | 0.019481180234722065 | 82705 | 0.014627252230742184 | 91353 | 0.015172071550036546 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 580926 | 0.4995528389566701 | 0 | 0 | 0 | 0 | 0 | 0 | 2450857 | 0.7951955188718272 | 5298930 | 0.9046958071686865 | 5183000 | 0.9166682584116649 | 5542534 | 0.9205140763468114 AVOIR DES ACTIONNAIRES Capital versé | 133333 | 0.1146563911352043 | 0 | 0 | 0 | 0 | 0 | 0 | 133333 | 0.04326070599701955 | 103837 | 0.017728276940622897 | 103837 | 0.01836466948653136 | 103837 | 0.017245436860761496 Réserves | 74036 | 0.06366541346917856 | 0 | 0 | 0 | 0 | 0 | 0 | 74036 | 0.024021432272545724 | 59288 | 0.010122346401144585 | 59288 | 0.01048570860596388 | 59288 | 0.00984665832603819 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 | 374597 | 0.322125356438947 | 0 | 0 | 0 | 0 | 0 | 0 | 423855 | 0.13752234285860754 | 395085 | 0.06745356948954609 | 308047 | 0.05448136349583989 | 315470 | 0.052393828466388945 581966 | 0.5004471610433299 | 0 | 0 | 0 | 0 | 0 | 0 | 631224 | 0.20480448112817282 | 558210 | 0.09530419283131357 | 471172 | 0.08333174158833513 | 478595 | 0.07948592365318863 1162892 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 3082081 | 1 | 5857140 | 1 | 5654172 | 1 | 6021129 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 63 | 0 | 63 | 1 | 63 | 0 | 63 | 1 Avoirs à la BRH | 331538 | 598249 | 929787 | 0.3565741400987538 | 1251271 | 1150735 | 2402006 | 0.5209275080911538 Avoirs à l'étranger | 20768 | 0 | 20768 | 1 | 415913 | 0 | 415913 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! 352369 | 598249 | 950618 | 0.3706736039081945 | 1667247 | 1150735 | 2817982 | 0.5916457237838992 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 | 13861 | 13861 | 0 Immobilisations | 0 | 232160 | 232160 | 0 | 0 | 240556 | 240556 | 0 Autres actifs | 356 | -20242 | -19886 | -0.017902041637332798 | 362 | 9320 | 9682 | 0.03738896922123528 352725 | 810167 | 1162892 | 0.3033170750164246 | 1667609 | 1414472 | 3082081 | 0.5410659226671849 PASSIF Dépôts À vue | 0 | 3 | 3 | 0 | 1336480 | 598563 | 1935043 | 0.6906719902348424 Épargne | 0 | 0 | 0 | 0 | 5 | 4 | 9 | 0.5555555555555556 À terme | 0 | 0 | 0 | 0 | 0 | 4430 | 4430 | 0 0 | 3 | 3 | 0 | 1336485 | 602997 | 1939482 | 0.6890937889601451 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 | 326753 | 156157 | 482910 | 0.6766333271209957 | 273780 | 125580 | 399360 | 0.685546875 326753 | 156157 | 482910 | 0.6766333271209957 | 273780 | 125580 | 399360 | 0.685546875 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 | 27213 | 70800 | 98013 | 0.2776468427657556 | 57131 | 54884 | 112015 | 0.5100299067089229 27213 | 70800 | 98013 | 0.2776468427657556 | 57131 | 54884 | 112015 | 0.5100299067089229 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 353966 | 226960 | 580926 | 0.609313406526821 | 1667396 | 783461 | 2450857 | 0.6803318186250769 AVOIR DES ACTIONNAIRES Capital versé | 0 | 133333 | 133333 | 0 | 0 | 133333 | 133333 | 0 Réserves | 0 | 74036 | 74036 | 0 | 0 | 74036 | 74036 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 374597 | 374597 | 0 | 0 | 423855 | 423855 | 0 0 | 581966 | 581966 | 0 | 0 | 631224 | 631224 | 0 0 | 0 353966 | 808926 | 1162892 | 0.30438424204483305 | 1667396 | 1414685 | 3082081 | 0.5409968135165818 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes [CBNARÉSULT ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 94 | 0 | 0 | 0 | 0 | 0 | 0 | 6018 | -0.019940179461615155 | 5898 | -0.1941336046117328 | 4753 | -0.5562802440563854 | 2109 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5867 | 0 | 0 | 0 | 0 | 0 | 0 | 14087 | 0.04443813445020232 | 14713 | 0.05253857133147557 | 15486 | -0.33694950277670155 | 10268 5961 | 0 | 0 | 0 | 0 | 0 | 0 | 20105 | 0.02516786868938075 | 20611 | -0.01804861481733055 | 20239 | -0.3884579277632294 | 12377 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 714 | -0.6764705882352942 | 231 | -1 | 0 | #DIV/0! | 0 5961 | 0 | 0 | 0 | 0 | 0 | 0 | 19391 | 0.05100304264865144 | 20380 | -0.006918547595682042 | 20239 | -0.3884579277632294 | 12377 AUTRES REVENUS Commissions | 2626 | 0 | 0 | 0 | 0 | 0 | 0 | 21185 | -0.40793013924946897 | 12543 | 0.6198676552658854 | 20318 | -0.39369032385077274 | 12319 Gains sur change | 5719 | 0 | 0 | 0 | 0 | 0 | 0 | 21982 | -0.25575470839778003 | 16360 | -0.1954156479217604 | 13163 | -0.251842285193345 | 9848 Autres | 27858 | 0 | 0 | 0 | 0 | 0 | 0 | 32836 | 0.3015288098428554 | 42737 | -0.17820623815429254 | 35121 | 0.04680960109336295 | 36765 36203 | 0 | 0 | 0 | 0 | 0 | 0 | 76003 | -0.0574056287251819 | 71640 | -0.042406476828587385 | 68602 | -0.1409579895629865 | 58932 PRODUIT NET BANCAIRE | 42164 | 0 | 0 | 0 | 0 | 0 | 0 | 95394 | -0.03536910078201983 | 92020 | -0.034546837643990434 | 88841 | -0.19734131763487578 | 71309 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 | 42164 | 0 | 0 | 0 | 0 | 0 | 0 | 95394 | -0.03536910078201983 | 92020 | -0.034546837643990434 | 88841 | -0.19734131763487578 | 71309 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 16745 | 0 | 0 | 0 | 0 | 0 | 0 | 18046 | 0.2744652554582733 | 22999 | -0.12183138397321623 | 20197 | -0.08139822745952369 | 18553 Frais de locaux | 658 | 0 | 0 | 0 | 0 | 0 | 0 | 194 | -0.02577319587628866 | 189 | -0.15873015873015872 | 159 | 4.1572327044025155 | 820 Amortissement | 8397 | 0 | 0 | 0 | 0 | 0 | 0 | 3984 | -0.2143574297188755 | 3130 | -0.16996805111821087 | 2598 | 0.6897613548883756 | 4390 Autres dépenses d'exploitation | 64895 | 0 | 0 | 0 | 0 | 0 | 0 | 39330 | -0.35942028985507246 | 25194 | 0.12018734619353814 | 28222 | 0.020976543122386792 | 28814 90695 | 0 | 0 | 0 | 0 | 0 | 0 | 61554 | -0.16314130682002795 | 51512 | -0.006522751980121136 | 51176 | 0.027376113803345318 | 52577 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -48531 | 0 | 0 | 0 | 0 | 0 | 0 | 33840 | 0.19704491725768322 | 40508 | -0.07018366742371877 | 37665 | -0.5026682596575069 | 18732 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10510 | 0 | 12583 | -0.07025351664944766 | 11699 | -0.5026070604325156 | 5819 BÉNÉFICE NET | -48531 | 0 | 0 | 0 | 0 | 0 | 0 | 23330 | 0.1969567081011573 | 27925 | -0.0701521933751119 | 25966 | -0.5026958330124008 | 12913 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 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 | 94 | -0.9843801927550682 | 6018 | 0 | 0 | 5898 | 0 | 0 | 4753 | 0 | 0 | 2109 | 94 | -0.9843801927550682 | 6018 | 18778 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5867 | -0.5835167175409952 | 14087 | 0 | 0 | 14713 | 0 | 0 | 15486 | 0 | 0 | 10268 | 5867 | -0.5835167175409952 | 14087 | 54554 5961 | -0.7035065904003979 | 20105 | 0 | 0 | 20611 | 0 | 0 | 20239 | 0 | 0 | 12377 | 5961 | -0.7035065904003979 | 20105 | 73332 Dépenses d'intérêt | 0 | -1 | 714 | 0 | 0 | 231 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 714 | 945 5961 | -0.6925893455726884 | 19391 | 0 | 0 | 20380 | 0 | 0 | 20239 | 0 | 0 | 12377 | 5961 | -0.6925893455726884 | 19391 | 72387 AUTRES REVENUS Commissions | 2626 | -0.8760443710172292 | 21185 | 0 | 0 | 12543 | 0 | 0 | 20318 | 0 | 0 | 12319 | 2626 | -0.8760443710172292 | 21185 | 66365 Gains sur change | 5719 | -0.7398325903011554 | 21982 | 0 | 0 | 16360 | 0 | 0 | 13163 | 0 | 0 | 9848 | 5719 | -0.7398325903011554 | 21982 | 61353 Autres | 27858 | -0.1516019003532708 | 32836 | 0 | 0 | 42737 | 0 | 0 | 35121 | 0 | 0 | 36765 | 27858 | -0.1516019003532708 | 32836 | 147459 36203 | -0.5236635395971212 | 76003 | 0 | 0 | 71640 | 0 | 0 | 68602 | 0 | 0 | 58932 | 36203 | -0.5236635395971212 | 76003 | 275177 PRODUIT NET BANCAIRE | 42164 | -0.5580015514602595 | 95394 | 0 | 0 | 92020 | 0 | 0 | 88841 | 0 | 0 | 71309 | 42164 | -0.5580015514602595 | 95394 | 347564 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 | 42164 | -0.5580015514602595 | 95394 | 0 | 0 | 92020 | 0 | 0 | 88841 | 0 | 0 | 71309 | 42164 | -0.5580015514602595 | 95394 | 347564 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 16745 | -0.07209353873434556 | 18046 | 0 | 0 | 22999 | 0 | 0 | 20197 | 0 | 0 | 18553 | 16745 | -0.07209353873434556 | 18046 | 79795 Frais de locaux | 658 | 2.3917525773195876 | 194 | 0 | 0 | 189 | 0 | 0 | 159 | 0 | 0 | 820 | 658 | 2.3917525773195876 | 194 | 1362 Amortissement | 8397 | 1.1076807228915662 | 3984 | 0 | 0 | 3130 | 0 | 0 | 2598 | 0 | 0 | 4390 | 8397 | 1.1076807228915662 | 3984 | 14102 Autres dépenses d'exploitation | 64895 | 0.6500127129417748 | 39330 | 0 | 0 | 25194 | 0 | 0 | 28222 | 0 | 0 | 28814 | 64895 | 0.6500127129417748 | 39330 | 121560 90695 | 0.473421711017968 | 61554 | 0 | 0 | 51512 | 0 | 0 | 51176 | 0 | 0 | 52577 | 90695 | 0.473421711017968 | 61554 | 216819 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -48531 | -2.4341312056737587 | 33840 | 0 | 0 | 40508 | 0 | 0 | 37665 | 0 | 0 | 18732 | -48531 | -2.4341312056737587 | 33840 | 130745 Impôts sur le revenu | 0 | -1 | 10510 | 0 | 0 | 12583 | 0 | 0 | 11699 | 0 | 0 | 5819 | 0 | -1 | 10510 | 40611 BÉNÉFICE NET | -48531 | -3.080197171024432 | 23330 | 0 | 0 | 27925 | 0 | 0 | 25966 | 0 | 0 | 12913 | -48531 | -3.080197171024432 | 23330 | 90134 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 94 | -0.9843801927550682 | 6018 | 18778 | -0.21328920356948344 | 23869 | -0.12172057254295912 | 27177 | -0.5229427046763095 | 56968 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5867 | -0.5835167175409952 | 14087 | 54554 | -0.13794956071044814 | 63284 | 8.087306145893164 | 6964 | 7.023041474654378 | 868 5961 | -0.7035065904003979 | 20105 | 73332 | -0.15858318130184848 | 87153 | 1.5527371781728714 | 34141 | -0.4096929248219102 | 57836 Dépenses d'intérêt | 0 | -1 | 714 | 945 | -0.7501982553528945 | 3783 | 0.20019035532994925 | 3152 | 0.5132021123379741 | 2083 5961 | -0.6925893455726884 | 19391 | 72387 | -0.13173803526448363 | 83370 | 1.6903094646487464 | 30989 | -0.4441734077090022 | 55753 AUTRES REVENUS Commissions | 2626 | -0.8760443710172292 | 21185 | 66365 | -0.13510660480633896 | 76732 | 0.1173044440561477 | 68676 | 0.1163380419057527 | 61519 Gains sur change | 5719 | -0.7398325903011554 | 21982 | 61353 | -0.3167589117676537 | 89797 | -0.45779997101729303 | 165616 | -0.20304507461106486 | 207811 Autres | 27858 | -0.1516019003532708 | 32836 | 147459 | 0.09593388380614042 | 134551 | 2.224477569018405 | 41728 | 0.38681910332679714 | 30089 36203 | -0.5236635395971212 | 76003 | 275177 | -0.08603361232894911 | 301080 | 0.09079052242591117 | 276020 | -0.07814801331912805 | 299419 PRODUIT NET BANCAIRE | 42164 | -0.5580015514602595 | 95394 | 347564 | -0.09594485628820393 | 384450 | 0.252243419574019 | 307009 | -0.13560472109287894 | 355172 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 | 42164 | -0.5580015514602595 | 95394 | 347564 | -0.09594485628820393 | 384450 | 0.252243419574019 | 307009 | -0.13560472109287894 | 355172 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 16745 | -0.07209353873434556 | 18046 | 79795 | -0.15748073065146237 | 94710 | -0.3218142239280497 | 139652 | 0.18516884064735686 | 117833 Frais de locaux | 658 | 2.3917525773195876 | 194 | 1362 | -0.7796829505014559 | 6182 | -0.507410358565737 | 12550 | -0.4064229295748002 | 21143 Amortissement | 8397 | 1.1076807228915662 | 3984 | 14102 | -0.2928492628623007 | 19942 | -0.09817754262198707 | 22113 | -0.056169704212727815 | 23429 Autres dépenses d'exploitation | 64895 | 0.6500127129417748 | 39330 | 121560 | -0.11722967771298427 | 137702.86215 | 0.048860118710845814 | 131288.10953289998 | 0.03365977430887121 | 127012.88450610574 90695 | 0.473421711017968 | 61554 | 216819 | -0.16136136952801647 | 258536.86215 | -0.15401102251491658 | 305603.1095329 | 0.05592337548322032 | 289417.88450610574 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -48531 | -2.4341312056737587 | 33840 | 130745 | 0.03837456704284652 | 125913.13785 | 88.56112926046471 | 1405.89046710002 | -0.9786189737852901 | 65754.11549389426 Impôts sur le revenu | 0 | -1 | 10510 | 40611 | 0.12464691221268347 | 36110 | 9.16045197740113 | -4425 | -1.216688702805935 | 20421 BÉNÉFICE NET | -48531 | -3.080197171024432 | 23330 | 90134 | 0.003684305002266698 | 89803.13785 | 14.401273331526562 | 5830.89046710002 | -0.8713767980961873 | 45333.11549389426 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 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 2025 | (1er octobre au 31 décembre 2018) et deuxième trimestre de l'exercice fiscal 2014-2015 (1er octobre au 31 décembre 2017). | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 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 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépôts en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Provisions pour créances douteuses en % des prêts improductifs bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts improductifs nets en % de l'avoir des actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rentabilité ROA (rendement de l'actif) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 ROE (rendement avoir des action.) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Revenus nets d'intérêt en % des revenus d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rendement moyen des prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rendement moyen des prêts productifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rémunération moyenne des dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [scotiavar] SCOTIA BANK (SCOTIA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 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. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [scotiagdes&$] SCOTIA BANK (SCOTIA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 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 130.3311 Gdes | *Converties au taux de 131.4767 Gdes [SCOTIARÉSULT ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [SCOTIAVARAN ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [sogebkinfin ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) INDICATEURS FINANCIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 175590326.47918 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03966509416469513 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 Bons B.R.H. | 2250000 | 0 | 0 | 0 | 0 | 0 | 0 | 2500000 | 0 | 2000000 | 0 | 0 | -1 | 4950000 Prêts nets | 28611827.434189998 | 0 | 0 | 0 | 0 | 0 | 0 | 0.005629289499528172 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 Dépôts | 146795354.49559367 | 0 | 0 | 0 | 0 | 0 | 0 | 0.042695098379063726 | 140784544.51718095 | 0.012398050291787057 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 Avoir des Actionnaires | 12798083.616810001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07564653144589939 | 11898038.289220005 | 0.07222872113814521 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 1116696.38623 | -0.09262793480647019 | 1230692.93079 | 0 | 0 | 1019706.2402600001 | 0 | 0 | 1068832.2478999998 | 0 | 0 | 1117214.65104 | 1116696.38623 | -0.09262793480647019 | 1230692.93079 Autres revenus | 897267.68917 | -0.08073392963900805 | 976069.6256500001 | 0 | 0 | 842945.91551 | 0 | 0 | 826192.3062400002 | 0 | 0 | 1082735.8885099995 | 897267.68917 | -0.08073392963900805 | 976069.6256500001 Dot. à la prov. pr créances douteuses | 162139.35283 | -0.5400188681535305 | 352491.31236999994 | 0 | 0 | 277101.15221 | 0 | 0 | 244590.14625999998 | 0 | 0 | 186906.46989 | 162139.35283 | -0.5400188681535305 | 352491.31236999994 Dépenses d'exploitation | 1416827.27834 | 0.004011918518324197 | 1411165.79615 | 0 | 0 | 1410163.6377299998 | 0 | 0 | 1434927.8887 | 0 | 0 | 1571591.86773 | 1416827.27834 | 0.004011918518324197 | 1411165.79615 Bénéfice (perte) net | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 | 0 | 0 | 127577.36583000026 | 0 | 0 | 150206.51918000006 | 0 | 0 | 344972.2019299993 | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07288604032709904 | 0.0725377350039604 | 0 | 0.06921450682279763 | 0 | 0.06846322756429728 | 0 | 0.07044793039782742 | 0.07288604032709904 | 0.0725377350039604 | 0.07044793039782742 | 0.0665618817170956 | 0.06164616052046577 | 0.07148661419540324 Dépôts en % de l'actif | 0.8360104878157932 | 0.8318409554575467 | 0 | 0.8270628181029849 | 0 | 0.8375268289928978 | 0 | 0.833581095651894 | 0.8360104878157932 | 0.8318409554575467 | 0.833581095651894 | 0.8341446046233999 | 0.823905908387642 | 0.8146884569724315 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.046094988796859554 | 0.048181371973337564 | 0 | 0.13476287498162143 | 0 | 0.11771849430108207 | 0 | 0.04302645831229958 | 0.046094988796859554 | 0.048181371973337564 | 0.04302645831229958 | 0.06593237986314099 | 0.04079652422411654 | 0.022182784323064426 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.7146754948367653 | 1.64103728277309 | 0 | 0.619781888938913 | 0 | 0.7729552091207751 | 0 | 1.764311866663446 | 1.7146754948367653 | 1.64103728277309 | 1.764311866663446 | 1.1536180332051817 | 1.623604489028084 | 2.3057497200171206 Prêts improductifs nets en % de l'avoir des actionnaires | -0.07996897376773829 | -0.09061139405089161 | 0 | 0.15623174578369547 | 0 | 0.0776001601182172 | 0 | -0.08509915239870834 | -0.07996897376773829 | -0.09061139405089161 | -0.08509915239870834 | -0.034734093928777805 | -0.11253186734818964 | -0.11022049368770048 Rentabilité ROA (rendement de l'actif) | 0.008078775261767104 | 0.007368236984169129 | 0 | 0.0031312602546621454 | 0 | 0.003621005039842232 | 0 | 0.008233782691649835 | 0.008078775261767104 | 0.007368236984169129 | 0.005506599521324792 | 0.008059505370615635 | 0.010610589707617024 | 0.014460481781901971 0 | 0 ROE (rendement avoir des action.) | 0.11268931876953858 | 0.10603009777673048 | 0 | 0.044195852881699395 | 0 | 0.05260179076656699 | 0 | 0.11853430020673153 | 0.11268931876953858 | 0.10603009777673048 | 0.08036774330939671 | 0.12558060298029225 | 0.16021732726987387 | 0.18970505628022494 Revenus nets d'intérêt en % des revenus d'intérêt | 0.818201502633546 | 0.8371068280672302 | 0 | 0.805794111332723 | 0 | 0.8093266884227364 | 0 | 0.8225628084975517 | 0.818201502633546 | 0.8371068280672302 | 0.8193643220552945 | 0.8541600717358953 | 0.8647163500819798 | 0.8423585141703387 Rendement moyen des prêts | 0.0913683387912954 | 0.12025978304320542 | 0 | 0.09393442409360393 | 0 | 0.09708990680506772 | 0 | 0.10192499441125309 | 0.0913683387912954 | 0.12025978304320542 | 0.10268870381728357 | 0.12657315104814376 | 0.11372415049100124 | 0.11293254586404694 Rendement moyen des prêts productifs | 0.09563035708041806 | 0.1276019390658602 | 0 | 0.10344991392152253 | 0 | 0.11114755187894551 | 0 | 0.11099280632616496 | 0.09563035708041806 | 0.1276019390658602 | 0.10874447708593747 | 0.1336042442954118 | 0.11750112390798706 | 0.11560786424484201 Rémunération moyenne des dépôts | 0.006902343800572187 | 0.007031492371630715 | 0 | 0.007272565702928248 | 0 | 0.007293447429458357 | 0 | 0.0068843188218471706 | 0.006902343800572187 | 0.007031492371630715 | 0.006989950791366009 | 0.006881152859044764 | 0.006267652596267851 | 0.007707438933025915 0 | 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.7035017633363689 | 0.6394733280351309 | 0 | 0.7570729904462777 | 0 | 0.7572080718242719 | 0 | 0.7143760004947519 | 0.7035017633363689 | 0.6394733280351309 | 0.7138131971722493 | 0.6065682084627226 | 0.5359345416190119 | 0.555873771274293 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 7411.091353817847 | 8046.536213090246 | 0 | 6596.377709676848 | 0 | 6646.293920701447 | 0 | 8010.7438854801985 | 7411.091353817847 | 8046.536213090246 | 7466.291546319158 | 10872.419978493872 | 7090.885999235667 | 5891.257228819139 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 3555006.8786199996 | 0 | 0 | 0 | 0 | 0 | 0 | -0.3305201938209992 | 5310103.22613 | 0.16195542583776648 | 4569971.5394 | -0.11146491787137973 | 5143265.169060001 | -0.04916342330314842 | 5409199.95624 Avoirs à la BRH | 71287852.18024 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07805777213847773 | 66126189.17336 | -0.014817820840273378 | 67120772.75876 | 0.1601690088360362 | 57854305.92229 | 0.17796304026973528 | 49113854.972090006 Avoirs à l'étranger | 5127042.751189999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.2988448772477782 | 7312280.24273 | 0.02336693093433904 | 7145316.13412 | 0.0888848924278543 | 6562049.10529 | -0.35967627614453973 | 10248018.089629998 Avoirs dans les banques locales | 6914.36 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6914.36 | -0.8757545487657772 | 55650.81 | 3.6235293091351384 | 12036.435 | 2.765639933862785 | 3196.385 Autres liquidités | 185512.42792000002 | 0 | 0 | 0 | 0 | 0 | 0 | -0.39069255133111774 | 304464.40187999996 | -0.7321223229098978 | 1136579.96884 | 1.6127093511605382 | 435019.67348 | 2.1510066019616536 | 138057.36656 80162328.59797001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013943560226029172 | 79059951.4041 | -0.01209996855318906 | 80028291.21112001 | 0.1431522739677196 | 70006676.30512 | 0.07848046417575176 | 64912326.76952 Bons B.R.H. | 2250000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1 | 2500000 | 0 | 2000000 | 0 | 0 | 0 | 4950000 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6250000 | 0 | 0 Autres Placements | 52477469.944630004 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10110627559825655 | 47658860.10059999 | 0.2210411566515723 | 39031329.81307 | 0.3405770391772633 | 29115320.248230003 | 0.3220581945914348 | 22022722.121720005 Portefeuille net | 28611827.434189998 | 0 | 0 | 0 | 0 | 0 | 0 | 0.005629289499528172 | 28451664.77642 | -0.19078982727626773 | 35159796.225317 | -0.12030655994000224 | 39968237.37019 | 0.1329775017952737 | 35277167.734450005 Immobilisations | 6308850.322959999 | 0 | 0 | 0 | 0 | 0 | 0 | -0.004410068881492117 | 6336796.02994 | 0.0027997319192920715 | 6319104.23212 | 0.5505054763234207 | 4075512.3594299997 | -0.0050411459993011404 | 4096161.708640001 Autres actifs | 5779850.179429999 | 0 | 0 | 0 | 0 | 0 | 0 | 0.18343344387896707 | 4883967.24744 | 0.17072642121224285 | 4171740.8601599997 | -0.44809829820846586 | 7558847.611119999 | 0.39589303363307704 | 5415062.206769999 175590326.47918 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03966509416469513 | 168891239.55850002 | 0.013082441273120924 | 166710262.341787 | 0.06202066338369159 | 156974593.89408997 | 0.1485376622745154 | 136673440.5411 PASSIF Dépôts À vue | 73065587.84793796 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05863466936034062 | 69018699.23841283 | 0.03241622552923189 | 66851621.98321013 | 0.08647774222137691 | 61530595.04608671 | 0.14679247474448834 | 53654515.87899203 Épargne | 48666148.36821614 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03430260604663679 | 47052137.43415994 | 0.02072080721671632 | 46096970.985103056 | 0.069010465830524 | 43121159.669180505 | 0.19570708622336286 | 36063313.63760547 À terme | 25063618.27943958 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01415855674233601 | 24713707.84460818 | -0.05354518460687706 | 26111872.899440005 | 0.057994363182156485 | 24680540.660824187 | 0.14111489811938238 | 21628444.86694462 146795354.49559367 | 0 | 0 | 0 | 0 | 0 | 0 | 0.042695098379063726 | 140784544.51718095 | 0.012398050291787057 | 139060465.8677532 | 0.07521841674094484 | 129332295.37609139 | 0.16153231073178817 | 111346274.38354212 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 | 10799680.041359998 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01375941920003276 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 10799680.041359998 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01375941920003276 | 10653099.57848 | 0.04731050199171946 | 10171863.605129998 | 0.23526255220300799 | 8234576.19353 | 0.4562918260385519 | 5654482.18983 Obligations à terme Banques locales | 2073134.0531 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03336857577355691 | 2144699.62505 | -0.1408324184705552 | 2496252.96759 | -0.45758820846830206 | 4602136.24881 | -0.10249647121701491 | 5127708.24985 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0.6 | 0.21369042802815752 | 0.49436 | -0.9992275395675808 | 639.981 Autres | 221756.84806 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02493038021345542 | 216362.8401900002 | -0.736668413801826 | 821636.49 | -0.29662051672247025 | 1168126.89243 | 0.08539296864931611 | 1076224.85696 2294890.90116 | 0 | 0 | 0 | 0 | 0 | 0 | -0.028026181032560736 | 2361062.4652400003 | -0.28838435745065233 | 3317890.0575900003 | -0.42500199867471017 | 5770263.6356 | -0.06999828127793026 | 6204573.08781 Autres passifs | 2902317.4217700004 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09146275568921498 | 3194494.71108 | 0.0427618460306377 | 3063494.0501900003 | -0.22650322736233205 | 3960577.67603 | 0.0710663277129354 | 3697789.3651900003 162792242.85988367 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0369381701941108 | 156993201.27198094 | 0.008864820841144391 | 155613713.5806632 | 0.05645709316692521 | 147297712.8812514 | 0.1607099495374973 | 126903119.02637212 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 Réserves | 3272255.1226 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3272255.1226 | 0.3450571415487236 | 2432800.08077 | 0.14124785359506264 | 2131701.77986 | 0.19234202733516198 | 1787827.4278599997 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 | 6525828.494210002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1599857834781692 | 5625783.166620005 | -0.006703248636187028 | 5663748.682250003 | 0.2461001848213346 | 4545179.232969996 | -0.0877702705244162 | 4982494.086860002 12798083.616810001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07564653144589939 | 11898038.289220005 | 0.07222872113814521 | 11096548.763020003 | 0.14670716197788877 | 9676881.012829997 | -0.009563707985374472 | 9770321.51472 175590326.47669366 | 0 | 0 | 0 | 0 | 0 | 0 | 0.039665094133347116 | 168891239.56120095 | 0.013082441277799192 | 166710262.3436832 | 0.06202066339582934 | 156974593.89408138 | 0.1485376622745187 | 136673440.54109213 Hors-bilan Effets à l'encaissement | 11571.379989230014 | 0 | 0 | 0 | 2603.8385049639996 | 14643.749763997997 | 68846.26846022 | 52302.66995 Crédit documentaire | 1637415.693598201 | 0 | 0 | 0 | 1654805.912489959 | 2652074.614870218 | 2379243.015726165 | 1998847.9257 Autres | 8279934.04486149 | 0 | 0 | 0 | 9921335.216337316 | 10656889.848709445 | 10341156.048350725 | 9109167.89706 Portefeuille brut | 31067325.04722 | 0 | 0 | 0 | 0 | 0 | 0 | 0.009042517100643119 | 30788915.750040002 | -0.19092003414663733 | 38054230.792337 | -0.11095362048337364 | 42803425.86067 | 0.15128625785624233 | 37178786.39529 | 0.15357166325707972 Provisions pour créances douteuses | 2455497.61303 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05059218746494139 | 2337250.9736200003 | -0.19250170646409007 | 2894434.56702 | 0.02089669760544541 | 2835188.49048 | 0.4909343018476771 | 1901618.66084 | 0.004735417357997233 Portefeuille de crédit improductif | 1432048 | 0 | 0 | 0 | 0 | 0 | 0 | 0.08100469677777794 | 1324738 | -0.47200684255039643 | 2509006 | 0.43681219724080034 | 1746231 | 1.1173391501935788 | 824729 | -0.3526037102674669 [sogebkcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 3555006.8786199996 | 0.02024602920845712 | 0 | 0 | 0 | 0 | 0 | 0 | 5310103.22613 | 0.03144096307192241 | 4569971.5394 | 0.027412658796197618 | 5143265.169060001 | 0.03412359613106029 | 5409199.95624 | 0.03957755021622773 Avoirs à la BRH | 71287852.18024 | 0.40598963285538797 | 0 | 0 | 0 | 0 | 0 | 0 | 66126189.17336 | 0.3915311969183305 | 67120772.75876 | 0.40261932178566157 | 57854305.92229 | 0.38384117964811126 | 49113854.972090006 | 0.35935185927598456 Avoirs à l'étranger | 5127042.751189999 | 0.029198890701976798 | 0 | 0 | 0 | 0 | 0 | 0 | 7312280.24273 | 0.0416439811312557 | 7145316.13412 | 0.04286068556158093 | 6562049.10529 | 0.043536684596416776 | 10248018.089629998 | 0.0749817817496754 Avoirs dans les banques locales | 6914.36 | 3.9377795682952075e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 6914.36 | 4.093971965671449e-05 | 55650.81 | 0.0003338175419933387 | 12036.435 | 7.985714002624994e-05 | 3196.385 | 2.3387023750520083e-05 Autres liquidités | 185512.42792000002 | 0.0010565071074231215 | 0 | 0 | 0 | 0 | 0 | 0 | 304464.40187999996 | 0.0018027246568614384 | 1136579.96884 | 0.006817696480554988 | 435019.67348 | 0.0028861890567486045 | 138057.36656 | 0.0010101257860592441 80162328.59797001 | 0.45653043766892804 | 0 | 0 | 0 | 0 | 0 | 0 | 79059951.4041 | 0.4681116179309908 | 80028291.21112001 | 0.4800441801659885 | 70006676.30512 | 0.4644675065723632 | 64912326.76952 | 0.4749447040516974 Bons B.R.H. | 2250000 | 0.01281391774316671 | 0 | 0 | 0 | 0 | 0 | 0 | 2500000 | 0.014802425552297861 | 2000000 | 0.011996861932228434 | 0 | 0 | 4950000 | 0.03621771706633413 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 52477469.944630004 | 0.29886310366221874 | 0 | 0 | 0 | 0 | 0 | 0 | 47658860.10059999 | 0.2821866914186041 | 39031329.81307 | 0.23412673739933612 | 29115320.248230003 | 0.1931690077645095 | 22022722.121720005 | 0.16113388259291975 Portefeuille net | 28611827.434189998 | 0.1629464903215072 | 0 | 0 | 0 | 0 | 0 | 0 | 28451664.77642 | 0.16846145987675698 | 35159796.225317 | 0.21090361044020725 | 39968237.37019 | 0.2651739595880058 | 35277167.734450005 | 0.25811282422382253 Immobilisations | 6308850.322959999 | 0.03592937292993784 | 0 | 0 | 0 | 0 | 0 | 0 | 6336796.02994 | 0.0375199805893134 | 6319104.23212 | 0.03790471050405201 | 4075512.3594299997 | 0.027039464855309215 | 4096161.708640001 | 0.029970429458883903 Autres actifs | 5779850.179429999 | 0.03291667767424149 | 0 | 0 | 0 | 0 | 0 | 0 | 4883967.24744 | 0.02781455758622955 | 4171740.8601599997 | 0.0250238995581877 | 7558847.611119999 | 0.04304820067645504 | 5415062.206769999 | 0.03962044260634237 175590326.47918 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 168891239.55850002 | 1 | 166710262.341787 | 1 | 150724593.89408997 | 0.8583877991249227 | 136673440.5411 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 73065587.84793796 | 0.41611397001759914 | 0 | 0 | 0 | 0 | 0 | 0 | 69018699.23841283 | 0.40865766287721716 | 66851621.98321013 | 0.4010048394390496 | 61530595.04608671 | 0.40823195111291904 | 53654515.87899203 | 0.39257456069423535 Épargne | 48666148.36821614 | 0.2771573431409193 | 0 | 0 | 0 | 0 | 0 | 0 | 47052137.43415994 | 0.27859430457825596 | 46096970.985103056 | 0.27650949820111076 | 43121159.669180505 | 0.28609239245640666 | 36063313.63760547 | 0.2638648262224776 À terme | 25063618.27943958 | 0.14273917465727481 | 0 | 0 | 0 | 0 | 0 | 0 | 24713707.84460818 | 0.14632912819642088 | 26111872.899440005 | 0.15663026698323954 | 24680540.660824187 | 0.16374594233882311 | 21628444.86694462 | 0.15824907005571856 146795354.49559367 | 0.8360104878157932 | 0 | 0 | 0 | 0 | 0 | 0 | 140784544.51718095 | 0.833581095651894 | 139060465.8677532 | 0.8341446046233999 | 129332295.37609139 | 0.8580702859081487 | 111346274.38354212 | 0.8146884569724315 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 | 10799680.041359998 | 0.061504982978891676 | 0 | 0 | 0 | 0 | 0 | 0 | 10653099.57848 | 0.06307668536466636 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.054633261770910525 | 5654482.18983 | 0.04137220931472492 10799680.041359998 | 0.061504982978891676 | 0 | 0 | 0 | 0 | 0 | 0 | 10653099.57848 | 0.06307668536466636 | 10171863.605129998 | 0.061015221632101976 | 8234576.19353 | 0.054633261770910525 | 5654482.18983 | 0.04137220931472492 Obligations à terme | 0 Banques locales | 2073134.0531 | 0.011806652989769423 | 0 | 0 | 0 | 0 | 0 | 0 | 2144699.62505 | 0.012698702612737504 | 2496252.96759 | 0.014973601100046365 | 4602136.24881 | 0.030533412828723856 | 5127708.24985 | 0.037517956887227207 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.6 | 3.59905857966853e-09 | 0.49436 | 3.2798894143803316e-09 | 639.981 | 4.682555714309006e-06 Autres | 221756.84806 | 0.0012629217822332259 | 0 | 0 | 0 | 0 | 0 | 0 | 216362.8401900002 | 0.001281077933678479 | 821636.49 | 0.004928529764505394 | 1168126.89243 | 0.007750074903176125 | 1076224.85696 | 0.007874425731138019 2294890.90116 | 0.01306957477200265 | 0 | 0 | 0 | 0 | 0 | 0 | 2361062.4652400003 | 0.013979780546415984 | 3317890.0575900003 | 0.01990213446361034 | 5770263.6356 | 0.03828349101178939 | 6204573.08781 | 0.045397065174079536 0 Autres passifs | 2902317.4217700004 | 0.01652891409205354 | 0 | 0 | 0 | 0 | 0 | 0 | 3194494.71108 | 0.018914508055188385 | 3063494.0501900003 | 0.01837615757516636 | 3960577.67603 | 0.026276917215069688 | 3697789.3651900003 | 0.027055654343303176 162792242.85988367 | 0.9271139596587411 | 0 | 0 | 0 | 0 | 0 | 0 | 156993201.27198094 | 0.9295520696181647 | 155613713.5806632 | 0.9334381182942786 | 147297712.8812514 | 0.9772639559059184 | 126903119.02637212 | 0.9285133858045391 AVOIR DES ACTIONNAIRES | 0 Capital versé | 3000000 | 0.017085223657555614 | 0 | 0 | 0 | 0 | 0 | 0 | 3000000 | 0.017762910662757432 | 3000000 | 0.01799529289834265 | 3000000 | 0.019903851936121437 | 3000000 | 0.021950131555354017 Réserves | 3272255.1226 | 0.018635736878067688 | 0 | 0 | 0 | 0 | 0 | 0 | 3272255.1226 | 0.019374925136164723 | 2432800.08077 | 0.014592983338855935 | 2131701.77986 | 0.014143025532766659 | 1787827.4278599997 | 0.013081015746599062 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 | 6525828.494210002 | 0.03716507979147575 | 0 | 0 | 0 | 0 | 0 | 0 | 5625783.166620005 | 0.03331009459890526 | 5663748.682250003 | 0.03397360547989701 | 4545179.232969996 | 0.0301555248253896 | 4982494.086860002 | 0.036455466893450174 12798083.616810001 | 0.07288604032709904 | 0 | 0 | 0 | 0 | 0 | 0 | 11898038.289220005 | 0.07044793039782742 | 11096548.763020003 | 0.0665618817170956 | 9676881.012829997 | 0.0642024022942777 | 9770321.51472 | 0.07148661419540324 175590326.47669366 | 0.9999999999858401 | 0 | 0 | 0 | 0 | 0 | 0 | 168891239.56120095 | 1.000000000015992 | 166710262.3436832 | 1.0000000000113742 | 156974593.89408138 | 1.041466358200196 | 136673440.54109213 | 0.9999999999999424 [sogebkgdes&$ ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 929333.2178100001 | 2625673.66081 | 3555006.8786199996 | 0.26141530791376505 | 1692358.63017 | 3617744.59596 | 5310103.22613 | 0.31870541081804726 Avoirs à la BRH | 44879858.69465 | 26407993.48559 | 71287852.18024 | 0.6295582953064487 | 44325819.45511 | 21800369.71825 | 66126189.17336 | 0.6703216986979702 Avoirs à l'étranger | 5127042.751189999 | 0 | 5127042.751189999 | 1 | 7312280.24273 | 0 | 7312280.24273 | 1 Avoirs dans les banques locales | 0 | 6914.36 | 6914.36 | 0 | 0 | 6914.36 | 6914.36 | 0 Autres liquidités | 110978.91866000001 | 74533.50926 | 185512.42792000002 | 0.5982290238142877 | 198628.05334999997 | 105836.34853 | 304464.40187999996 | 0.6523851462552467 51047213.58231 | 29115115.01566 | 80162328.59797 | 0.6367980381198994 | 53529086.38136 | 25530865.022739995 | 79059951.4041 | 0.67706955836282 Bons B.R.H. | 0 | 2250000 | 2250000 | 0 | 0 | 2500000 | 2500000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 36631521.47987001 | 15845948.464759998 | 52477469.944630004 | 0.6980428271126758 | 35178436.96131999 | 12480423.139279999 | 47658860.10059999 | 0.7381300536157205 Portefeuille net | 16792408.76374 | 11819418.67045 | 28611827.434189998 | 0.5869044472033177 | 17060655.10265 | 11391009.67377 | 28451664.77642 | 0.5996364443598192 Immobilisations | 0 | 6308850.322959999 | 6308850.322959999 | 0 | 0 | 6336796.02994 | 6336796.02994 | 0 Autres actifs | 1518327.83988 | 4261522.33955 | 5779850.17943 | 0.26269328663286134 | 842636.27491 | 4041330.9725300004 | 4883967.24744 | 0.17253110682748327 | #REF! 105989471.66580002 | 69600854.81337999 | 175590326.47918 | 0.6036179429187822 | 106610814.72024 | 62280424.838259995 | 168891239.5585 | 0.6312394591864695 | #REF! #REF! PASSIF | #REF! Dépôts | #REF! À vue | 44876638.757357955 | 28188949.090579998 | 73065587.84793796 | 0.6141966427582017 | 45698625.95817284 | 23320073.28023999 | 69018699.23841283 | 0.6621194902603867 Épargne | 32804630.57802614 | 15861517.790190004 | 48666148.36821614 | 0.6740749304798249 | 32345289.52807995 | 14706847.906079995 | 47052137.43415994 | 0.6874350729197098 À terme | 20580475.871879585 | 4483142.407559996 | 25063618.27943958 | 0.8211294810838367 | 20257871.712858174 | 4455836.131750004 | 24713707.84460818 | 0.8197018367390735 98261745.20726368 | 48533609.288329996 | 146795354.49559367 | 0.6693791199653609 | 98301787.19911095 | 42482757.31806999 | 140784544.51718095 | 0.6982427477123704 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 | 5507486.786269999 | 5292193.25509 | 10799680.041359998 | 0.5099675884079659 | 5893014.908479999 | 4760084.67 | 10653099.578479998 | 0.5531737373772699 5507486.786269999 | 5292193.25509 | 10799680.041359998 | 0.5099675884079659 | 5893014.908479999 | 4760084.67 | 10653099.578479998 | 0.5531737373772699 Obligations à terme Banques locales | 0 | 2073134.0531 | 2073134.0531 | 0 | 0 | 2144699.62505 | 2144699.62505 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - Autres | 615126.4804800001 | -393369.6324199999 | 221756.84806000022 | 2.773878172698265 | 627205.6071200001 | -410842.76692999987 | 216362.8401900002 | 2.898860111880654 615126.4804800001 | 1679764.42068 | 2294890.90116 | 0.26804170959459195 | 627205.6071200001 | 1733856.85812 | 2361062.46524 | 0.2656454949218149 Autres passifs | 1614371.22107 | 1287946.2007000002 | 2902317.42177 | 0.5562352377313242 | 1769409.6312100003 | 1425085.0798699998 | 3194494.71108 | 0.5538934295533066 105998729.69508368 | 56793513.164799996 | 162792242.85988367 | 0.6511288734213059 | 106591417.34592097 | 50401783.92605999 | 156993201.27198094 | 0.6789556266277925 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 3272255.1226 | 3272255.1226 | 0 | 0 | 3272255.1226 | 3272255.1226 | 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 | 6525828.494210002 | 6525828.494210002 | 0 | 0 | 5625783.166620005 | 5625783.166620005 | 0 0 | 12798083.616810001 | 12798083.616810001 | 0 | 0 | 11898038.289220005 | 11898038.289220005 | 0 105998729.69508368 | 69591596.78161 | 175590326.4766937 | 0.6036706680943099 | 106591417.34592097 | 62299822.21528 | 168891239.56120098 | 0.6311246079006693 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes [SOGEBKRÉSULT] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 706462.74569 | 0 | 0 | 0 | 0 | 0 | 0 | 1085090.2615699999 | 0.33794375024694784 | 811013.3638800001 | -0.01720204249853232 | 825208.6379399999 | 0.014524513089773964 | 813394.4791800001 Intérêts sur bons B.R.H. | 370706.62691999995 | 0 | 0 | 0 | 0 | 0 | 0 | 167712.97251999998 | -0.18254848624499062 | 205165.65166000003 | -0.1371121687976657 | 237766.30547000002 | -0.09892028789180925 | 263868.2263899999 Autres | 287648.93026000005 | 0 | 0 | 0 | 0 | 0 | 0 | 217371.04896 | -0.12803405122942194 | 249288.46048000004 | -0.03252378238187446 | 257668.82528 | -0.08286349310145688 | 280949.26255999994 1364818.30287 | 0 | 0 | 0 | 0 | 0 | 0 | 1470174.28305 | 0.16176378366816635 | 1265467.4760200002 | -0.041779845540581506 | 1320643.7686899998 | -0.027660041526304906 | 1358211.96813 Dépenses d'intérêt | 248121.91664 | 0 | 0 | 0 | 0 | 0 | 0 | 239481.35226 | -0.025552782889375864 | 245761.23576 | -0.024027038203091895 | 251811.52079 | 0.044872714064121716 | 240997.31708999997 1116696.38623 | 0 | 0 | 0 | 0 | 0 | 0 | 1230692.93079 | 0.20690928641978631 | 1019706.2402600001 | -0.04596231797508038 | 1068832.2478999998 | -0.043306273413942026 | 1117214.65104 AUTRES REVENUS Commissions | 456038.47297 | 0 | 0 | 0 | 0 | 0 | 0 | 507542.17510999995 | 0.2358284663329013 | 410689.82381999993 | -0.13790095058389826 | 476383.57112000004 | -0.2125446032130807 | 604965.7835399997 Gains sur change | 243157.41275999998 | 0 | 0 | 0 | 0 | 0 | 0 | 297868.8237400001 | -0.10756426624224366 | 333770.61504000006 | 0.2053852721138192 | 276899.52977 | 0.20581635876209786 | 229636.56758999988 Autres | 198071.80344000002 | 0 | 0 | 0 | 0 | 0 | 0 | 170658.62679999997 | 0.7328303888551057 | 98485.47665000003 | 0.3507961879055098 | 72909.20535000002 | -0.7061694839003386 | 248133.53738 897267.68917 | 0 | 0 | 0 | 0 | 0 | 0 | 976069.6256500001 | 0.15792675151579263 | 842945.91551 | 0.020278098868101824 | 826192.3062400002 | -0.2369401300838381 | 1082735.8885099995 PRODUIT NET BANCAIRE | 2013964.0754 | 0 | 0 | 0 | 0 | 0 | 0 | 2206762.55644 | 0.18474216970894836 | 1862652.15577 | -0.017082838477885214 | 1895024.5541400001 | -0.13860583678048144 | 2199950.5395499994 Dotation à la provision pour créances douteuses | 162139.35283 | 0 | 0 | 0 | 0 | 0 | 0 | 352491.31236999994 | 0.2720672922459227 | 277101.15221 | 0.13292034224240867 | 244590.14625999998 | 0.30862321889632033 | 186906.46989 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1851824.72257 | 0 | 0 | 0 | 0 | 0 | 0 | 1854271.24407 | 0.1694806662836129 | 1585551.00356 | -0.03931292513668772 | 1650434.40788 | -0.18013001664749625 | 2013044.0696599993 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 591604.32877 | 0 | 0 | 0 | 0 | 0 | 0 | 585122.31048 | -0.041725236623911255 | 610599.72864 | -0.003457786263084554 | 612718.37783 | 0.023038807379827806 | 598919.97587 Frais de locaux | 51615.41166 | 0 | 0 | 0 | 0 | 0 | 0 | 61009.85541999999 | 0.07952855608968969 | 56515.27704 | 0.04062477127922204 | 54308.98686999998 | 0.023707618412825808 | 53051.26766000001 Amortissement | 93650.60009 | 0 | 0 | 0 | 0 | 0 | 0 | 96454.70368 | 0.011386507391400891 | 95368.78628999999 | 0.009238531743303788 | 94495.78399 | -0.0074417478208627 | 95204.27016 Autres dépenses d'exploitation | 679956.93782 | 0 | 0 | 0 | 0 | 0 | 0 | 668578.92657 | 0.032267610219485356 | 647679.8457599999 | -0.038201237267231 | 673404.74001 | -0.18317396700099073 | 824416.35404 1416827.27834 | 0 | 0 | 0 | 0 | 0 | 0 | 1411165.79615 | 0.0007106681757965637 | 1410163.6377299998 | -0.017258185003593322 | 1434927.8887 | -0.08695895024412213 | 1571591.86773 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 434997.44423 | 0 | 0 | 0 | 0 | 0 | 0 | 443105.44791999995 | 1.526438810589663 | 175387.36583000026 | -0.18616213329718628 | 215506.51918000006 | -0.5118236623629465 | 441452.2019299993 Impôts sur le revenu | 87123.8 | 0 | 0 | 0 | 0 | 0 | 0 | 141850 | 1.9669525203932232 | 47810 | -0.2678407350689127 | 65300 | -0.3231757877280265 | 96480 BÉNÉFICE NET (PERTE NETTE) | 347873.64423000003 | 0 | 0 | 0 | 0 | 0 | 0 | 301255.44791999995 | 1.3613549782916015 | 127577.36583000026 | -0.1506536032759147 | 150206.51918000006 | -0.5645837017022041 | 344972.2019299993 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 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 | 706462.74569 | -0.34893642426775606 | 1085090.2615699999 | 0 | 0 | 811013.3638800001 | 0 | 0 | 825208.6379399999 | 0 | 0 | 813394.4791800001 | 706462.74569 | -0.34893642426775606 | 1085090.2615699999 | 3534706.7425700002 Intérêts sur Bons B.R.H. | 370706.62691999995 | 1.2103634641368766 | 167712.97251999998 | 0 | 0 | 205165.65166000003 | 0 | 0 | 237766.30547000002 | 0 | 0 | 263868.2263899999 | 370706.62691999995 | 1.2103634641368766 | 167712.97251999998 | 874513.15604 Autres | 287648.93026000005 | 0.32330837816830155 | 217371.04896 | 0 | 0 | 249288.46048000004 | 0 | 0 | 257668.82528 | 0 | 0 | 280949.26255999994 | 287648.93026000005 | 0.32330837816830155 | 217371.04896 | 1005277.59728 1364818.30287 | -0.07166223854863665 | 1470174.28305 | 0 | 0 | 1265467.4760200002 | 0 | 0 | 1320643.7686899998 | 0 | 0 | 1358211.96813 | 1364818.30287 | -0.07166223854863665 | 1470174.28305 | 5414497.495890001 Dépenses d'intérêt | 248121.91664 | 0.03608032232346472 | 239481.35226 | 0 | 0 | 245761.23576 | 0 | 0 | 251811.52079 | 0 | 0 | 240997.31708999997 | 248121.91664 | 0.03608032232346472 | 239481.35226 | 978051.4258999999 1116696.38623 | -0.09262793480647019 | 1230692.93079 | 0 | 0 | 1019706.2402600001 | 0 | 0 | 1068832.2478999998 | 0 | 0 | 1117214.65104 | 1116696.38623 | -0.09262793480647019 | 1230692.93079 | 4436446.069990001 0 AUTRES REVENUS | 0 Commissions | 456038.47297 | -0.10147669428424844 | 507542.17510999995 | 0 | 0 | 410689.82381999993 | 0 | 0 | 476383.57112000004 | 0 | 0 | 604965.7835399997 | 456038.47297 | -0.10147669428424844 | 507542.17510999995 | 1999581.3535899997 Gains sur change | 243157.41275999998 | -0.18367619105971258 | 297868.8237400001 | 0 | 0 | 333770.61504000006 | 0 | 0 | 276899.52977 | 0 | 0 | 229636.56758999988 | 243157.41275999998 | -0.18367619105971258 | 297868.8237400001 | 1138175.53614 Autres | 198071.80344000002 | 0.16063164900609675 | 170658.62679999997 | 0 | 0 | 98485.47665000003 | 0 | 0 | 72909.20535000002 | 0 | 0 | 248133.53738 | 198071.80344000002 | 0.16063164900609675 | 170658.62679999997 | 590186.84618 897267.68917 | -0.08073392963900805 | 976069.6256500001 | 0 | 0 | 842945.91551 | 0 | 0 | 826192.3062400002 | 0 | 0 | 1082735.8885099995 | 897267.68917 | -0.08073392963900805 | 976069.6256500001 | 3727943.73591 0 PRODUIT NET BANCAIRE | 2013964.0754 | -0.08736711635665367 | 2206762.55644 | 0 | 0 | 1862652.15577 | 0 | 0 | 1895024.5541400001 | 0 | 0 | 2199950.5395499994 | 2013964.0754 | -0.08736711635665367 | 2206762.55644 | 8164389.8059 Dotation à la provision pour créances douteuses | 162139.35283 | -0.5400188681535305 | 352491.31236999994 | 0 | 0 | 277101.15221 | 0 | 0 | 244590.14625999998 | 0 | 0 | 186906.46989 | 162139.35283 | -0.5400188681535305 | 352491.31236999994 | 1061089.0807299998 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 1851824.72257 | -0.001319397853913801 | 1854271.24407 | 0 | 0 | 1585551.00356 | 0 | 0 | 1650434.40788 | 0 | 0 | 2013044.0696599993 | 1851824.72257 | -0.001319397853913801 | 1854271.24407 | 7103300.72517 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 591604.32877 | 0.011078056970144532 | 585122.31048 | 0 | 0 | 610599.72864 | 0 | 0 | 612718.37783 | 0 | 0 | 598919.97587 | 591604.32877 | 0.011078056970144532 | 585122.31048 | 2407360.3928199997 Frais de locaux | 51615.41166 | -0.15398239670176875 | 61009.85541999999 | 0 | 0 | 56515.27704 | 0 | 0 | 54308.98686999998 | 0 | 0 | 53051.26766000001 | 51615.41166 | -0.15398239670176875 | 61009.85541999999 | 224885.38698999997 Amortissement | 93650.60009 | -0.029071714317872432 | 96454.70368 | 0 | 0 | 95368.78628999999 | 0 | 0 | 94495.78399 | 0 | 0 | 95204.27016 | 93650.60009 | -0.029071714317872432 | 96454.70368 | 381523.54412000004 Autres dépenses d'exploitation | 679956.93782 | 0.01701820203692691 | 668578.92657 | 0 | 0 | 647679.8457599999 | 0 | 0 | 673404.74001 | 0 | 0 | 824416.35404 | 679956.93782 | 0.01701820203692691 | 668578.92657 | 2814079.86638 1416827.27834 | 0.004011918518324197 | 1411165.79615 | 0 | 0 | 1410163.6377299998 | 0 | 0 | 1434927.8887 | 0 | 0 | 1571591.86773 | 1416827.27834 | 0.004011918518324197 | 1411165.79615 | 5827849.1903099995 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 434997.44423 | -0.01829813586824547 | 443105.44791999995 | 0 | 0 | 175387.36583000026 | 0 | 0 | 215506.51918000006 | 0 | 0 | 441452.2019299993 | 434997.44423 | -0.01829813586824547 | 443105.44791999995 | 1275451.534860001 0 Impôts sur le revenu | 87123.8 | -0.3858033133591822 | 141850 | 0 | 0 | 47810 | 0 | 0 | 65300 | 0 | 0 | 96480 | 87123.8 | -0.3858033133591822 | 141850 | 351440 0 BÉNÉFICE NET (PERTE NETTE) | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 | 0 | 0 | 127577.36583000026 | 0 | 0 | 150206.51918000006 | 0 | 0 | 344972.2019299993 | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 | 924011.534860001 [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 706462.74569 | -0.34893642426775606 | 1085090.2615699999 | 3534706.7425700002 | -0.3092504015396053 | 5117204.19447 | 0.12516607497021137 | 4547954.571599999 | 0.1963299682614181 | 3801588.7692 Intérêts sur Bons B.R.H. | 370706.62691999995 | 1.2103634641368766 | 167712.97251999998 | 874513.15604 | 0.8533920481087641 | 471844.66823 | -0.23423723973820934 | 616176.0439599999 | 0.16725912600111115 | 527882.8241600001 Autres | 287648.93026000005 | 0.32330837816830155 | 217371.04896 | 1005277.59728 | 0.35349454397318375 | 742727.48402 | 0.8064466403339867 | 411153.84614000004 | 0.6260388535978539 | 252856.10194999998 1364818.30287 | -0.07166223854863665 | 1470174.28305 | 5414497.495890001 | -0.1448691173852296 | 6331776.346720001 | 0.13568668831461464 | 5575284.461699999 | 0.21669265762164655 | 4582327.69531 Dépenses d'intérêt | 248121.91664 | 0.03608032232346472 | 239481.35226 | 978051.4258999999 | 0.0591553942130675 | 923425.80819 | 0.22430511931538233 | 754244.83131 | 0.0440436856512934 | 722426.5054 1116696.38623 | -0.09262793480647019 | 1230692.93079 | 4436446.069990001 | -0.17970441479633922 | 5408350.5385300005 | 0.12182246012619714 | 4821039.630389999 | 0.24900597015085998 | 3859901.18991 AUTRES REVENUS Commissions | 456038.47297 | -0.10147669428424844 | 507542.17510999995 | 1999581.3535899997 | -0.07813524019621836 | 2169061.49446 | 0.12239130107168697 | 1932535.9100600001 | 0.15748388163565336 | 1669600.70954 Gains sur change | 243157.41275999998 | -0.18367619105971258 | 297868.8237400001 | 1138175.53614 | -0.10835378856167088 | 1276487.8284 | 0.050891536017939554 | 1214671.3382400002 | 0.5097726482112807 | 804539.23952 Autres | 198071.80344000002 | 0.16063164900609675 | 170658.62679999997 | 590186.84618 | 0.28769579665590433 | 458327.85018999997 | 0.20210398086165654 | 381271.38541000005 | -0.596203500193514 | 944216.6675360462 897267.68917 | -0.08073392963900805 | 976069.6256500001 | 3727943.73591 | -0.045066335169184686 | 3903877.1730500003 | 0.10639104790193651 | 3528478.63371 | 0.03221490015971823 | 3418356.6165960464 PRODUIT NET BANCAIRE | 2013964.0754 | -0.08736711635665367 | 2206762.55644 | 8164389.8059 | -0.12326136572590832 | 9312227.71158 | 0.11530119667134757 | 8349518.264099998 | 0.1471863852687864 | 7278257.806506047 Dotation à la provision pour créances douteuses | 162139.35283 | -0.5400188681535305 | 352491.31236999994 | 1061089.0807299998 | -0.4206714057659537 | 1831584.1670700002 | 0.008674006458312011 | 1815833.61457 | 0.5866166393687933 | 1144469.03525 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1851824.72257 | -0.001319397853913801 | 1854271.24407 | 7103300.72517 | -0.05044256113726065 | 7480643.54451 | 0.1449348944394067 | 6533684.649529998 | 0.06519557376151089 | 6133788.771256047 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 591604.32877 | 0.011078056970144532 | 585122.31048 | 2407360.3928199997 | 0.011631050893047267 | 2379682.18818 | 0.1564445703129447 | 2057757.24083 | 0.15890020995434195 | 1775612.10461 Frais de locaux | 51615.41166 | -0.15398239670176875 | 61009.85541999999 | 224885.38698999997 | -0.10029161076409021 | 249953.64018 | 0.09985463617128768 | 227260.61422999998 | 0.002558125003360841 | 226680.73657 Amortissement | 93650.60009 | -0.029071714317872432 | 96454.70368 | 381523.54412000004 | 0.04594621803729966 | 364764.01706 | 0.05529706642941423 | 345650.5553400001 | 0.05320873125050442 | 328188.08378999995 Autres dépenses d'exploitation | 679956.93782 | 0.01701820203692691 | 668578.92657 | 2814079.86638 | 0.06027592989367728 | 2654101.43439 | 0.43921848898543975 | 1844126.8332099998 | 0.07496118836355312 | 1715528.7587799998 1416827.27834 | 0.004011918518324197 | 1411165.79615 | 5827849.1903099995 | 0.03175141539598484 | 5648501.27981 | 0.26229267984407784 | 4474795.24361 | 0.10597739337652429 | 4046009.68375 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 434997.44423 | -0.01829813586824547 | 443105.44791999995 | 1275451.534860001 | -0.30384689036751916 | 1832142.2647000002 | -0.11013080186241361 | 2058889.405919998 | -0.01383751842277509 | 2087779.0875060475 Impôts sur le revenu | 87123.8 | -0.3858033133591822 | 141850 | 351440 | -0.33410683109177225 | 527772.34609 | 0.0534378165469062 | 501000 | 0.2715736040609137 | 394000 BÉNÉFICE NET (PERTE NETTE) | 347873.64423000003 | 0.15474640087630817 | 301255.44791999995 | 924011.534860001 | -0.29160315515044033 | 1304369.91861 | -0.1627326601918088 | 1557889.405919998 | -0.08022869250684636 | 1693779.0875060475 [sgbelinfin] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) INDICATEURS FINANCIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 11837238.140819909 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01862463066032886 | 12061886.318570152 | -0.01974331638573537 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 4810309.517329908 | 0 | 0 | 0 | 0 | 0 | 0 | -0.022682801927292977 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 Dépôts | 7972246.800559405 | 0 | 0 | 0 | 0 | 0 | 0 | -0.026088069821530238 | 8185798.482926981 | -0.0291292839230332 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 Avoir des Actionnaires | 1119428.53019 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010584487786139962 | 1107704.0502000004 | 0.037573179324539005 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 100112.11197999999 | -0.15856664991040487 | 118978.06519000005 | 0 | 0 | 113635.88780702402 | 0 | 0 | 125376.99967000002 | 0 | 0 | 144668.52104997096 | 100112.11197999999 | -0.15856664991040487 | 118978.06519000005 Autres revenus | 19579.742880000005 | 0.11251482956854728 | 17599.53428 | 0 | 0 | 20126.973359999996 | 0 | 0 | 17756.15845000001 | 0 | 0 | 56356.53982 | 19579.742880000005 | 0.11251482956854728 | 17599.53428 Dot. à la prov. pr créances douteuses | 1203.0415399999983 | 1.6605009268105686 | -1821.4077999999997 | 0 | 0 | 11900 | 0 | 0 | 21000 | 0 | 0 | 41796.958459999994 | 1203.0415399999983 | 1.6605009268105686 | -1821.4077999999997 Dépenses d'exploitation | 95035.78129 | -0.011373627285661131 | 96129.11805000002 | 0 | 0 | 95550.40513 | 0 | 0 | 96363.70048999999 | 0 | 0 | 109531.81423 | 95035.78129 | -0.011373627285661131 | 96129.11805000002 Bénéfice (perte) net | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 | 0 | 0 | 19208.092906224017 | 0 | 0 | 18811.704069900043 | 0 | 0 | 37469.96728437095 | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.09456838807100848 | 0.0940836006216294 | 0 | 0.0915608661776777 | 0 | 0.09115749127136527 | 0 | 0.09183505970327455 | 0.09456838807100848 | 0.0940836006216294 | 0.09183505970327455 | 0.08676200663056292 | 0.08103751267768017 | 0.0853015512901374 Dépôts en % de l'actif | 0.6734887568974096 | 0.6824445569473788 | 0 | 0.683086706894062 | 0 | 0.6738490393202111 | 0 | 0.6786499446877018 | 0.6734887568974096 | 0.6824445569473788 | 0.6786499446877018 | 0.6852108453766899 | 0.6827486357956529 | 0.6536905895142436 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.13361507765862504 | 0.06359950072111291 | 0 | 0.11275307689406115 | 0 | 0.10170900389715984 | 0 | 0.09914801393711056 | 0.13361507765862504 | 0.06359950072111291 | 0.09914801393711056 | 0.04144079780893058 | 0.07124213430332414 | 0.041209673197505875 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.4756179973490498 | 0.7831848438638832 | 0 | 0.460241038897821 | 0 | 0.5449540279392477 | 0 | 0.6279397687536507 | 0.4756179973490498 | 0.7831848438638832 | 0.6279397687536507 | 1.2126331430000805 | 0.5907699247156862 | 1.0065933566073082 Prêts improductifs nets en % de l'avoir des actionnaires | 0.32151051428586236 | 0.06388542134817897 | 0 | 0.29584867519140695 | 0 | 0.22291192432145512 | 0 | 0.1747946332077859 | 0.32151051428586236 | 0.06388542134817897 | 0.1747946332077859 | -0.044023165949195725 | 0.16164521078016045 | -0.0015896654962255787 Rentabilité ROA (rendement de l'actif) | 0.005730992667649192 | 0.01025438295130314 | 0 | 0.006608745901828573 | 0 | 0.006480143603879565 | 0 | 0.012593686847753775 | 0.005730992667649192 | 0.01025438295130314 | 0.008728858383759027 | 0.014498990890740644 | 0.014647318005265836 | 0.013230792433120487 ROE (rendement avoir des action.) | 0.06149867692924476 | 0.11350723026402189 | 0 | 0.0711860155793014 | 0 | 0.07093213970825911 | 0 | 0.13763464338885856 | 0.06149867692924476 | 0.11350723026402189 | 0.09777687034328576 | 0.1726772101096658 | 0.1764601706585961 | 0.1357098966561243 Revenus nets d'intérêt en % des revenus d'intérêt | 0.684146035723671 | 0.725741779692905 | 0 | 0.6927988246589151 | 0 | 0.725518995481194 | 0 | 0.7622789386445062 | 0.684146035723671 | 0.725741779692905 | 0.7279026822540535 | 0.7556552986673709 | 0.7168337269853914 | 0.7220485329128635 Rendement moyen des prêts | 0.0824219910279685 | 0.09375333962499925 | 0 | 0.09448787915665326 | 0 | 0.10273871175631309 | 0 | 0.11691970086343184 | 0.0824219910279685 | 0.09375333962499925 | 0.09968563802981496 | 0.11334752155150182 | 0.09780828444250475 | 0.11328782114511048 Rendement moyen des prêts productifs | 0.09325819387372751 | 0.09892766550230428 | 0 | 0.10362010814926795 | 0 | 0.11507570830408798 | 0 | 0.12997098794327588 | 0.09325819387372751 | 0.09892766550230428 | 0.10719609520952549 | 0.12010521392894835 | 0.10367512754125206 | 0.12208767337087792 Rémunération moyenne des dépôts | 0.022883650530296003 | 0.021849108930086233 | 0 | 0.025391999362005393 | 0 | 0.024084704706418568 | 0 | 0.02242175439359788 | 0.022883650530296003 | 0.021849108930086233 | 0.02261502254294954 | 0.02216781397960733 | 0.022143966999330952 | 0.028342112403161347 Dépenses d'exploitation en % du produit net bancaire | 0.7940037473824809 | 0.7038424926418132 | 0 | 0.7143268639468638 | 0 | 0.6732451219249319 | 0 | 0.5448664646884424 | 0.7940037473824809 | 0.7038424926418132 | 0.6469908741566881 | 0.5800600943049423 | 0.561752816471301 | 0.5871313365281908 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6469.829992432432 | 7333.025474899331 | 0 | 7535.9358403957185 | 0 | 8179.037606857145 | 0 | 11168.058937220609 | 6469.829992432432 | 7333.025474899331 | 8248.304424523421 | 11349.498910397248 | 6817.405090793831 | 6494.667963108108 [sgbelvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 77528.37138 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0691990150577404 | 83292.10286 | 1.045095303419072 | 40727.73661 | -0.5577484217499984 | 92091.78353 | 0.0432914988171993 | 88270.42455 Avoirs à la BRH | 1890511.9573300001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.06483693180816875 | 2021585.3487300002 | 0.022344286961519924 | 1977401.7173199998 | 0.0033229180410082426 | 1970852.73521 | 0.40804491784300745 | 1399708.7097399998 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 147142.10982 | 0 | 0 | 0 | 0 | 0 | 0 | -0.1808027629062444 | 179617.43907000002 | -0.2743288562018673 | 247519.05956999998 | -0.07051049648727735 | 266295.70171 | 0.6774874694783214 | 158746.76059 Autres liquidités | 15397.03226 | 0 | 0 | 0 | 0 | 0 | 0 | -0.7082472711800278 | 52774.25278 | 0.4993982125882092 | 35196.95591 | 0.29717943647048545 | 27133.451950000002 | -0.437785598237088 | 48261.75186 2130579.4707899997 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08843212311689275 | 2337269.1434400002 | 0.015830560771793324 | 2300845.46941 | -0.023565109235600935 | 2356373.6724 | 0.3902010890356963 | 1694987.64674 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 | 2617117.71676 | 0 | 0 | 0 | 0 | 0 | 0 | 0.044448477841088616 | 2505741.32883 | -0.08884948240498891 | 2750084.95352 | 0.18139273896253613 | 2327832.95751 | 0.3553199920052403 | 1717552.29115 Portefeuille net | 4810309.517329908 | 0 | 0 | 0 | 0 | 0 | 0 | -0.022682801927292977 | 4921953.2070201505 | -0.028367344637983256 | 5065652.31197 | 0.0017357076463365548 | 5056875.055269999 | 0.048856248464813914 | 4821323.286839 Immobilisations | 630400.61349 | 0 | 0 | 0 | 0 | 0 | 0 | 0.07918777326544064 | 584143.5838199999 | -0.04861575014619091 | 613993.33015 | 0.10877876631930045 | 553756.39289 | -0.14263476851908946 | 645881.5596399999 Autres actifs | 1648830.82245 | 0 | 0 | 0 | 0 | 0 | 0 | -0.03733594990325538 | 1712779.0554599997 | 0.08799803822936192 | 1574248.2939099998 | 0.08235773898394184 | 1454462.0851399999 | 0.21300834492772563 | 1199053.65138 11837238.140819909 | 0 | 0 | 0 | 0 | 0 | 0 | -0.01862463066032886 | 12061886.318570152 | -0.01974331638573537 | 12304824.358960003 | 0.04728147106918666 | 11749300.163209999 | 0.16574413488971185 | 10078798.435749 PASSIF Dépôts À vue | 3747801.509029104 | 0 | 0 | 0 | 0 | 0 | 0 | -0.056560495003396355 | 3972487.360535741 | 0.056953956358795556 | 3758429.907600661 | 0.013955373289449001 | 3706701.504433726 | 0.3233124953696568 | 2801077.98982 Épargne | 1236946.276116356 | 0 | 0 | 0 | 0 | 0 | 0 | -0.023152987129967464 | 1266264.0718756327 | 0.026580565297491608 | 1233477.541539746 | 0.0427844843690287 | 1182869.097142448 | 0.26046426769509096 | 938439.2143900001 À terme | 2987499.015413946 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013726270468352939 | 2947047.050515607 | -0.14317365802056095 | 3439491.6520742616 | 0.09809044179514938 | 3132248.0564090954 | 0.0994593422219099 | 2848898.48685 7972246.800559405 | 0 | 0 | 0 | 0 | 0 | 0 | -0.026088069821530238 | 8185798.482926981 | -0.0291292839230332 | 8431399.10121467 | 0.05105830244887003 | 8021818.657985269 | 0.21756413592273668 | 6588415.69106 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 | 420854.16566999996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11303671963736339 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252 420854.16566999996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.11303671963736339 | 378113.46045 | 0.18320408185694534 | 319567.40705000004 | 0.1104967532469775 | 287769.78061 | 0.5699488772144243 | 183298.82252 Obligations à terme Banques locales | 1488519.52855 | 0 | 0 | 0 | 0 | 0 | 0 | -0.018617587475772152 | 1516757.90146 | -0.0693088924322621 | 1629711.3931 | -0.06481653049252348 | 1742664.8847400001 | 0.00511430778853358 | 1733797.70961 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 345714.21172999986 | 0 | 0 | 0 | 0 | 0 | 0 | 0.028262194187305117 | 336212.1195200002 | -0.12093072664152071 | 382463.73716999986 | 0.09779651905649674 | 348392.19339000003 | 0.18399461421025867 | 294251.50182999996 1834233.7402799998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.010111486148108974 | 1852970.0209800003 | -0.07912090100658234 | 2012175.1302699998 | -0.03772347904082241 | 2091057.0781300003 | 0.031068213894702316 | 2028049.21144 Autres passifs | 490474.90412 | 0 | 0 | 0 | 0 | 0 | 0 | -0.08714940146070907 | 537300.30402 | 0.13332621801176445 | 474091.48 | 0.19562892130427856 | 396520.58557 | -0.05432176213225878 | 419297.56834 10717809.610629406 | 0 | 0 | 0 | 0 | 0 | 0 | -0.021578302419702024 | 10954182.268376982 | -0.025188660515623348 | 11237233.118534671 | 0.04075764066886524 | 10797166.102295268 | 0.17117847020627716 | 9219061.29336 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0 | 300000 | 0 | 300000 | 0 | 300000 Réserves | 370248.24069 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04799208328056503 | 353292.97482 | 0.027616137775530784 | 343798.58571 | 0.17878405026805505 | 291655.27446 | -0.07266397750023006 | 314508.72972 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 | 449180.2895 | 0 | 0 | 0 | 0 | 0 | 0 | -0.011511132019891986 | 454411.0753800003 | 0.07224855657189247 | 423792.66690999997 | 0.17563829777614168 | 360478.78646999993 | 0.46997154018474685 | 245228.41199 1119428.53019 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010584487786139962 | 1107704.0502000004 | 0.037573179324539005 | 1067591.25262 | 0.12126148662009512 | 952134.0609299999 | 0.1074711266239172 | 859737.1417099999 11837238.140819406 | 0 | 0 | 0 | 0 | 0 | 0 | -0.018624630660926282 | 12061886.318576982 | -0.01974331735666149 | 12304824.371154672 | 0.04728147210573154 | 11749300.163225269 | 0.165744134969762 | 10078798.43507 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 | 571446.430545663 | 0 | 0 | 0 | 525532.41022 | 339205.39168 | 131146564.07841 | 525606.4589699999 Portefeuille brut | 5136748.528419908 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02133571834769778 | 5248734.039570151 | -0.01592691236488238 | 5333683.14358 | 0.010347413503000485 | 5279058.54194 | 0.04952014005725682 | 5029973.547389 Provisions pour créances douteuses | 326439.01109000004 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0010460266513572368 | 326780.83255000005 | 0.219191204933784 | 268030.83161 | 0.20634902092474205 | 222183.48667 | 0.06486081581842533 | 208650.26055 Portefeuille de crédit improductif | 686347.053537654 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3188797112732733 | 520401.555707488 | 1.3544163569880834 | 221032.08473 | -0.4122915703018152 | 376091.39764 | 0.8143811627345771 | 207283.56608000002 [sgbelcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 77528.37138 | 0.00654953211701036 | 0 | 0 | 0 | 0 | 0 | 0 | 83292.10286 | 0.006905396109708458 | 40727.73661 | 0.003309899875193528 | 92091.78353 | 0.007838065438004763 | 88270.42455 | 0.008758030544286824 Avoirs à la BRH | 1890511.9573300001 | 0.15970887252920074 | 0 | 0 | 0 | 0 | 0 | 0 | 2021585.3487300002 | 0.1676010945002543 | 1977401.7173199998 | 0.1607013362917379 | 1970852.73521 | 0.1677421384961492 | 1399708.7097399998 | 0.1388765455190871 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 | 147142.10982 | 0.012430442647984792 | 0 | 0 | 0 | 0 | 0 | 0 | 179617.43907000002 | 0.014891322495177715 | 247519.05956999998 | 0.02011561094651173 | 266295.70171 | 0.022664813904732687 | 158746.76059 | 0.015750564077850103 Autres liquidités | 15397.03226 | 0.0013007284365517987 | 0 | 0 | 0 | 0 | 0 | 0 | 52774.25278 | 0.0043752901814992405 | 35196.95591 | 0.0028604192049576584 | 27133.451950000002 | 0.0023093675004543365 | 48261.75186 | 0.004788443004159895 2130579.4707899997 | 0.17998957573074767 | 0 | 0 | 0 | 0 | 0 | 0 | 2337269.1434400002 | 0.1937731032866397 | 2300845.46941 | 0.18698726631840085 | 2356373.6724 | 0.20055438533934097 | 1694987.64674 | 0.16817358314538394 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 | 2617117.71676 | 0.2210919207357203 | 0 | 0 | 0 | 0 | 0 | 0 | 2505741.32883 | 0.2077404199185851 | 2750084.95352 | 0.22349648181019918 | 2327832.95751 | 0.19812524364634312 | 1717552.29115 | 0.17041240601239993 Portefeuille net | 4810309.517329908 | 0.4063709338364904 | 0 | 0 | 0 | 0 | 0 | 0 | 4921953.2070201505 | 0.4080583315929985 | 5065652.31197 | 0.4116801804067479 | 5056875.055269999 | 0.43039797988175854 | 4821323.286839 | 0.47836290382968716 Immobilisations | 630400.61349 | 0.05325571776038757 | 0 | 0 | 0 | 0 | 0 | 0 | 584143.5838199999 | 0.048428874919892784 | 613993.33015 | 0.04989858548471751 | 553756.39289 | 0.047131010800451754 | 645881.5596399999 | 0.06408319044749322 Autres actifs | 1648830.82245 | 0.139291851936654 | 0 | 0 | 0 | 0 | 0 | 0 | 1712779.0554599997 | 0.1446941452967477 | 1574248.2939099998 | 0.12793748597993432 | 1454462.0851399999 | 0.12287174320877997 | 1199053.65138 | 0.11896791656503576 11837238.140819909 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 12061886.318570152 | 1.0189780905881718 | 12304824.358960003 | 1 | 11749300.163209999 | 0.9925710730354691 | 10078798.435749 | 1 0 | 0 PASSIF | 0 | 0 Dépôts | 0 | 0 À vue | 3747801.509029104 | 0.3166111439546921 | 0 | 0 | 0 | 0 | 0 | 0 | 3972487.360535741 | 0.3293421323677879 | 3758429.907600661 | 0.3054436047162173 | 3706701.504433726 | 0.315482748158936 | 2801077.98982 | 0.277917849798912 Épargne | 1236946.276116356 | 0.10449618917869288 | 0 | 0 | 0 | 0 | 0 | 0 | 1266264.0718756327 | 0.10498060074783884 | 1233477.541539746 | 0.100243409052935 | 1182869.097142448 | 0.10067570669837063 | 938439.2143900001 | 0.09311022741177188 À terme | 2987499.015413946 | 0.2523814237640248 | 0 | 0 | 0 | 0 | 0 | 0 | 2947047.050515607 | 0.24432721157207504 | 3439491.6520742616 | 0.2795238316075375 | 3132248.0564090954 | 0.2665901809383463 | 2848898.48685 | 0.2826625123035597 7972246.800559405 | 0.6734887568974096 | 0 | 0 | 0 | 0 | 0 | 0 | 8185798.482926981 | 0.6786499446877018 | 8431399.10121467 | 0.6852108453766899 | 8021818.657985269 | 0.6827486357956529 | 6588415.69106 | 0.6536905895142436 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 | 420854.16566999996 | 0.03555340871437849 | 0 | 0 | 0 | 0 | 0 | 0 | 378113.46045 | 0.03134778843569988 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 420854.16566999996 | 0.03555340871437849 | 0 | 0 | 0 | 0 | 0 | 0 | 378113.46045 | 0.03134778843569988 | 319567.40705000004 | 0.025970903584438463 | 287769.78061 | 0.02449250394598644 | 183298.82252 | 0.018186574886729368 Obligations à terme Banques locales | 1488519.52855 | 0.12574888760723177 | 0 | 0 | 0 | 0 | 0 | 0 | 1516757.90146 | 0.1257479851327102 | 1629711.3931 | 0.13244491311355397 | 1742664.8847400001 | 0.14832073915318975 | 1733797.70961 | 0.17202424680508593 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 345714.21172999986 | 0.029205648109572786 | 0 | 0 | 0 | 0 | 0 | 0 | 336212.1195200002 | 0.027873925407701543 | 382463.73716999986 | 0.03108242149685796 | 348392.19339000003 | 0.029652165537561396 | 294251.50182999996 | 0.029195097382472144 1834233.7402799998 | 0.15495453571680456 | 0 | 0 | 0 | 0 | 0 | 0 | 1852970.0209800003 | 0.15362191054041174 | 2012175.1302699998 | 0.16352733461041194 | 2091057.0781300003 | 0.17797290469075117 | 2028049.21144 | 0.20121934418755807 Autres passifs | 490474.90412 | 0.041434910600356235 | 0 | 0 | 0 | 0 | 0 | 0 | 537300.30402 | 0.044545296633478226 | 474091.48 | 0.03852891078894441 | 396520.58557 | 0.03374844289122898 | 419297.56834 | 0.04160194005396241 10717809.610629406 | 0.905431611928949 | 0 | 0 | 0 | 0 | 0 | 0 | 10954182.268376982 | 0.9081649402972917 | 11237233.118534671 | 0.9132379943604848 | 10797166.102295268 | 0.9189624873236194 | 9219061.29336 | 0.9146984486424935 AVOIR DES ACTIONNAIRES Capital versé | 300000 | 0.02534374965098239 | 0 | 0 | 0 | 0 | 0 | 0 | 300000 | 0.024871731674185004 | 300000 | 0.024380681206680455 | 300000 | 0.025533435679801177 | 300000 | 0.029765452887311927 Réserves | 370248.24069 | 0.031278262402546775 | 0 | 0 | 0 | 0 | 0 | 0 | 353292.97482 | 0.02929002690699213 | 343798.58571 | 0.027940145725010388 | 291655.27446 | 0.024823203970330564 | 314508.72972 | 0.031204982590429933 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 | 449180.2895 | 0.037946376017479314 | 0 | 0 | 0 | 0 | 0 | 0 | 454411.0753800003 | 0.03767330112209741 | 423792.66690999997 | 0.03444117969887209 | 360478.78646999993 | 0.030680873027548423 | 245228.41199 | 0.024331115812395547 1119428.53019 | 0.09456838807100848 | 0 | 0 | 0 | 0 | 0 | 0 | 1107704.0502000004 | 0.09183505970327455 | 1067591.25262 | 0.08676200663056292 | 952134.0609299999 | 0.08103751267768017 | 859737.1417099999 | 0.0853015512901374 11837238.140819406 | 0.9999999999999575 | 0 | 0 | 0 | 0 | 0 | 0 | 12061886.318576982 | 1.0000000000005662 | 12304824.371154672 | 1.0000000009910477 | 11749300.163225269 | 1.0000000000012996 | 10078798.43507 | 0.9999999999326309 [sgbelgdes&$] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 23146.355340000002 | 54382.01604 | 77528.37138 | 0.2985533544429784 | 36943.52882 | 46348.57404 | 83292.10286 | 0.44354179509786 Avoirs à la BRH | 1344590.0800500002 | 545921.87728 | 1890511.9573300001 | 0.7112306668237032 | 1475184.32795 | 546401.02078 | 2021585.3487300002 | 0.7297165706492382 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 34262.71856 | 112879.39126 | 147142.10982 | 0.23285460975049105 | 152511.13659 | 27106.302480000002 | 179617.43907000002 | 0.849088693055933 Autres liquidités | 12458.178679999999 | 2938.85358 | 15397.03226 | 0.8091285690402261 | 38235.613450000004 | 14538.63933 | 52774.25278 | 0.7245126446298119 1414457.33263 | 716122.13816 | 2130579.47079 | 0.663883864470698 | 1702874.60681 | 634394.53663 | 2337269.14344 | 0.7285744611781012 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 | 1657700.44169 | 959417.27507 | 2617117.71676 | 0.6334069083228852 | 1596324.05376 | 909417.27507 | 2505741.32883 | 0.6370665780195947 Portefeuille net | 2635213.943629908 | 2175095.5737 | 4810309.517329908 | 0.5478262748241312 | 2754219.4405501517 | 2167733.7664699988 | 4921953.2070201505 | 0.5595785503652952 Immobilisations | 0 | 630400.61349 | 630400.61349 | 0 | 0 | 584143.5838199999 | 584143.5838199999 | 0 Autres actifs | 1151287.70307 | 497543.11937999993 | 1648830.8224499999 | 0.6982448941361371 | 1169113.8062099998 | 543665.2492500001 | 1712779.05546 | 0.6825829650841986 | #REF! 6858659.421019908 | 4978578.7198 | 11837238.140819907 | 0.5794138243589346 | 7222531.907330152 | 4839354.411239999 | 12061886.318570152 | 0.5987895853578505 | #REF! #REF! PASSIF | #REF! Dépôts | #REF! À vue | 3165017.692809104 | 582783.8162199999 | 3747801.509029104 | 0.844499818142457 | 3416384.2105057407 | 556103.1500299999 | 3972487.360535741 | 0.8600113481657491 Épargne | 920931.668606356 | 316014.60750999994 | 1236946.276116356 | 0.7445203452956809 | 967157.3292756327 | 299106.7426 | 1266264.0718756327 | 0.7637880208059974 À terme | 2109216.126963946 | 878282.8884500001 | 2987499.015413946 | 0.7060139990277768 | 2100298.353265607 | 846748.69725 | 2947047.050515607 | 0.7126789349692074 6195165.488379406 | 1777081.31218 | 7972246.800559405 | 0.7770915330850893 | 6483839.89304698 | 1701958.5898799999 | 8185798.48292698 | 0.7920839862562272 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 | 226258.54494999998 | 194595.62072 | 420854.16567 | 0.5376174537557358 | 195175.86744 | 182937.59301 | 378113.46045 | 0.5161833361015963 226258.54494999998 | 194595.62072 | 420854.16567 | 0.5376174537557358 | 195175.86744 | 182937.59301 | 378113.46045 | 0.5161833361015963 Obligations à terme Banques locales | 0 | 1488519.52855 | 1488519.52855 | 0 | 0 | 1516757.90146 | 1516757.90146 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 314273.39756 | 31440.81416999991 | 345714.2117299999 | 0.9090554767399758 | 315544.08 | 20668.03952 | 336212.11952 | 0.9385267861565872 314273.39756 | 1519960.3427199998 | 1834233.7402799998 | 0.17133770394607695 | 315544.08 | 1537425.9409800002 | 1852970.0209800003 | 0.17029097957727066 Autres passifs | 125760.77551 | 364714.12861 | 490474.90412 | 0.25640613710019966 | 225535.63499000002 | 311764.66903000005 | 537300.30402 | 0.41975713265482323 6861458.206399406 | 3856351.4042299995 | 10717809.610629406 | 0.6401922086388383 | 7220095.47547698 | 3734086.7929000002 | 10954182.26837698 | 0.6591177048715241 AVOIR DES ACTIONNAIRES Capital versé | 0 | 300000 | 300000 | 0 | 0 | 300000 | 300000 | 0 Réserves | 0 | 370248.24069 | 370248.24069 | 0 | 0 | 353292.97482 | 353292.97482 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 449180.2895 | 449180.2895 | 0 | 0 | 454411.0753800003 | 454411.0753800003 | 0 0 | 1119428.53019 | 1119428.53019 | 0 | 1107704.0502000004 | 1107704.0502000004 6861458.206399406 | 4975779.93442 | 11837238.140819406 | 0.579650263412242 | 7220095.47547698 | 4841790.8431 | 12061886.31857698 | 0.5985875910931966 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes [SGBELRÉSULT ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 106999.01887999999 | 0 | 0 | 0 | 0 | 0 | 0 | 122621.88078000004 | -0.013599716048981213 | 120954.25802000001 | 0.08997076769468161 | 131836.60547 | 0.1532818187176281 | 152044.76013 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 39332.47579 | 0 | 0 | 0 | 0 | 0 | 0 | 41318.06111 | 0.0424038924608679 | 43070.10773000001 | -0.048679415272036335 | 40973.48007 | 0 | 37739.46938999999 146331.49467 | 0 | 0 | 0 | 0 | 0 | 0 | 163939.94189000005 | 0.0005149682196217152 | 164024.36575000003 | 0.05356350411615582 | 172810.08554 | 0.0982242669862635 | 189784.22952 Dépenses d'intérêt | 46219.382690000006 | 0 | 0 | 0 | 0 | 0 | 0 | 44961.8767 | 0.12069338829391008 | 50388.47794297601 | -0.058652140203968854 | 47433.08586999999 | -0.048855716584035785 | 45115.708470029036 100112.11197999999 | 0 | 0 | 0 | 0 | 0 | 0 | 118978.06519000005 | -0.04490052325565164 | 113635.88780702402 | 0.10332221703512105 | 125376.99967000002 | 0.15386810524057376 | 144668.52104997096 AUTRES REVENUS Commissions | 7733.189140000002 | 0 | 0 | 0 | 0 | 0 | 0 | 4884.2896 | 0.2217820499423285 | 5967.537359999996 | -0.004436416297523966 | 5941.062880000009 | 0.48758791793834416 | 8837.853359999996 Gains sur change | 4545.41855 | 0 | 0 | 0 | 0 | 0 | 0 | 5272.2414 | -0.40484567721045545 | 3137.7972600000003 | 0.18199774640634372 | 3708.8692900000005 | -0.36759306769745986 | 2345.5146500000005 Autres | 7301.135190000001 | 0 | 0 | 0 | 0 | 0 | 0 | 7443.003279999999 | 0.4808053047102782 | 11021.638739999999 | -0.2645171492891809 | 8106.226279999999 | 4.572651225077818 | 45173.17181 19579.742880000005 | 0 | 0 | 0 | 0 | 0 | 0 | 17599.53428 | 0.14360829325308694 | 20126.973359999996 | -0.11779291737483508 | 17756.15845000001 | 2.1739151223895488 | 56356.53982 PRODUIT NET BANCAIRE | 119691.85485999999 | 0 | 0 | 0 | 0 | 0 | 0 | 136577.59947000004 | -0.0206090772857251 | 133762.861167024 | 0.07005155893963526 | 143133.15812000004 | 0.4044618557318179 | 201025.06086997097 Dotation à la provision pour créances douteuses | 1203.0415399999983 | 0 | 0 | 0 | 0 | 0 | 0 | -1821.4077999999997 | 7.533407839803915 | 11900 | 0.7647058823529411 | 21000 | 0.990331355238095 | 41796.958459999994 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 118488.81331999999 | 0 | 0 | 0 | 0 | 0 | 0 | 138399.00727000003 | -0.11948168147417393 | 121862.861167024 | 0.002218042071124229 | 122133.15812000004 | 0.30372541626675925 | 159228.10240997098 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 39260.604289999996 | 0 | 0 | 0 | 0 | 0 | 0 | 39961.67533 | -0.0078083077704638945 | 39649.642270000004 | 0.006480443587618701 | 39906.58954 | 0.06451549480116266 | 42481.18291 Frais de locaux | 22474.563480000004 | 0 | 0 | 0 | 0 | 0 | 0 | 19600.97696 | 0.1402584930134013 | 22350.18045 | -0.016211163073629863 | 21987.858029999996 | 0.270302134109241 | 27931.222980000006 Amortissement | 3453.94708 | 0 | 0 | 0 | 0 | 0 | 0 | 4369.13132 | 0.015489971585472684 | 4436.809039999999 | -0.15559774238108728 | 3746.45157 | -0.04830698505466082 | 3565.4717899999996 Autres dépenses d'exploitation | 29846.66644 | 0 | 0 | 0 | 0 | 0 | 0 | 32197.33444000002 | -0.09577069417799966 | 29113.773370000003 | 0.05526689926280754 | 30722.80135 | 0.1572491761074384 | 35553.93655 95035.78129 | 0 | 0 | 0 | 0 | 0 | 0 | 96129.11805000002 | -0.00602016258693866 | 95550.40513 | 0.008511689289997982 | 96363.70048999999 | 0.13665014598901293 | 109531.81423 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 23453.032029999988 | 0 | 0 | 0 | 0 | 0 | 0 | 42269.88922000001 | -0.3775130116836393 | 26312.456037024007 | -0.02063655351138301 | 25769.457630000048 | 0.9284956980280411 | 49696.28817997097 Impôts sur le revenu | 6332.318649999999 | 0 | 0 | 0 | 0 | 0 | 0 | 11412.870089400007 | -0.377513011613236 | 7104.363130799988 | -0.02063655362215014 | 6957.753560100007 | 0.7572224698663065 | 12226.320895600022 BÉNÉFICE NET | 17120.713379999987 | 0 | 0 | 0 | 0 | 0 | 0 | 30857.019130600005 | -0.377513011709679 | 19208.092906224017 | -0.020636553470414157 | 18811.704069900043 | 0.991843330361833 | 37469.96728437095 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 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 | 106999.01887999999 | -0.12740680375005453 | 122621.88078000004 | 0 | 0 | 120954.25802000001 | 0 | 0 | 131836.60547 | 0 | 0 | 152044.76013 | 106999.01887999999 | -0.12740680375005453 | 122621.88078000004 | 527457.5044 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 39332.47579 | -0.04805611073360469 | 41318.06111 | 0 | 0 | 43070.10773000001 | 0 | 0 | 40973.48007 | 0 | 0 | 37739.46938999999 | 39332.47579 | -0.04805611073360469 | 41318.06111 | 163101.1183 146331.49467 | -0.10740791424590675 | 163939.94189000005 | 0 | 0 | 164024.36575000003 | 0 | 0 | 172810.08554 | 0 | 0 | 189784.22952 | 146331.49467 | -0.10740791424590675 | 163939.94189000005 | 690558.6227 Dépenses d'intérêt | 46219.382690000006 | 0.027968271840396845 | 44961.8767 | 0 | 0 | 50388.47794297601 | 0 | 0 | 47433.08586999999 | 0 | 0 | 45115.708470029036 | 46219.382690000006 | 0.027968271840396845 | 44961.8767 | 187899.14898300503 100112.11197999999 | -0.15856664991040487 | 118978.06519000005 | 0 | 0 | 113635.88780702402 | 0 | 0 | 125376.99967000002 | 0 | 0 | 144668.52104997096 | 100112.11197999999 | -0.15856664991040487 | 118978.06519000005 | 502659.4737169949 0 AUTRES REVENUS | 0 Commissions | 7733.189140000002 | 0.5832781782636316 | 4884.2896 | 0 | 0 | 5967.537359999996 | 0 | 0 | 5941.062880000009 | 0 | 0 | 8837.853359999996 | 7733.189140000002 | 0.5832781782636316 | 4884.2896 | 25630.743199999997 Gains sur change | 4545.41855 | -0.1378584163464138 | 5272.2414 | 0 | 0 | 3137.7972600000003 | 0 | 0 | 3708.8692900000005 | 0 | 0 | 2345.5146500000005 | 4545.41855 | -0.1378584163464138 | 5272.2414 | 14464.422600000002 Autres | 7301.135190000001 | -0.01906059753879326 | 7443.003279999999 | 0 | 0 | 11021.638739999999 | 0 | 0 | 8106.226279999999 | 0 | 0 | 45173.17181 | 7301.135190000001 | -0.01906059753879326 | 7443.003279999999 | 71744.04011 19579.742880000005 | 0.11251482956854728 | 17599.53428 | 0 | 0 | 20126.973359999996 | 0 | 0 | 17756.15845000001 | 0 | 0 | 56356.53982 | 19579.742880000005 | 0.11251482956854728 | 17599.53428 | 111839.20591 0 PRODUIT NET BANCAIRE | 119691.85485999999 | -0.12363480303890603 | 136577.59947000004 | 0 | 0 | 133762.861167024 | 0 | 0 | 143133.15812000004 | 0 | 0 | 201025.06086997097 | 119691.85485999999 | -0.12363480303890603 | 136577.59947000004 | 614498.6796269949 0 Dotation à la provision pour créances douteuses | 1203.0415399999983 | 1.6605009268105686 | -1821.4077999999997 | 0 | 0 | 11900 | 0 | 0 | 21000 | 0 | 0 | 41796.958459999994 | 1203.0415399999983 | 1.6605009268105686 | -1821.4077999999997 | 72875.55066 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION | 0 ET IMPÔTS SUR LE REVENU | 118488.81331999999 | -0.1438608147756264 | 138399.00727000003 | 0 | 0 | 121862.861167024 | 0 | 0 | 122133.15812000004 | 0 | 0 | 159228.10240997098 | 118488.81331999999 | -0.1438608147756264 | 138399.00727000003 | 541623.1289669949 0 DÉPENSES D'EXPLOITATION | 0 Salaires et avantages sociaux | 39260.604289999996 | -0.01754358480245434 | 39961.67533 | 0 | 0 | 39649.642270000004 | 0 | 0 | 39906.58954 | 0 | 0 | 42481.18291 | 39260.604289999996 | -0.01754358480245434 | 39961.67533 | 161999.09005 Frais de locaux | 22474.563480000004 | 0.14660424966899224 | 19600.97696 | 0 | 0 | 22350.18045 | 0 | 0 | 21987.858029999996 | 0 | 0 | 27931.222980000006 | 22474.563480000004 | 0.14660424966899224 | 19600.97696 | 91870.23842000001 Amortissement | 3453.94708 | -0.2094659494006695 | 4369.13132 | 0 | 0 | 4436.809039999999 | 0 | 0 | 3746.45157 | 0 | 0 | 3565.4717899999996 | 3453.94708 | -0.2094659494006695 | 4369.13132 | 16117.863720000001 Autres dépenses d'exploitation | 29846.66644 | -0.07300815551611912 | 32197.33444000002 | 0 | 0 | 29113.773370000003 | 0 | 0 | 30722.80135 | 0 | 0 | 35553.93655 | 29846.66644 | -0.07300815551611912 | 32197.33444000002 | 127587.84571000002 95035.78129 | -0.011373627285661131 | 96129.11805000002 | 0 | 0 | 95550.40513 | 0 | 0 | 96363.70048999999 | 0 | 0 | 109531.81423 | 95035.78129 | -0.011373627285661131 | 96129.11805000002 | 397575.03790000005 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 23453.032029999988 | -0.445159841608878 | 42269.88922000001 | 0 | 0 | 26312.456037024007 | 0 | 0 | 25769.457630000048 | 0 | 0 | 49696.28817997097 | 23453.032029999988 | -0.445159841608878 | 42269.88922000001 | 144048.09106699488 0 Impôts sur le revenu | 6332.318649999999 | -0.44515984144239923 | 11412.870089400007 | 0 | 0 | 7104.363130799988 | 0 | 0 | 6957.753560100007 | 0 | 0 | 12226.320895600022 | 6332.318649999999 | -0.44515984144239923 | 11412.870089400007 | 37701.307675900025 0 BÉNÉFICE NET | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 | 0 | 0 | 19208.092906224017 | 0 | 0 | 18811.704069900043 | 0 | 0 | 37469.96728437095 | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 | 106346.78339109485 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 106999.01887999999 | -0.12740680375005453 | 122621.88078000004 | 527457.5044 | -0.12304390802300101 | 601463.98346 | 0.19301550776639595 | 504154.37145999994 | -0.04864682193806706 | 529933.9751899999 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 39332.47579 | -0.04805611073360469 | 41318.06111 | 163101.1183 | 0.12574351222965155 | 144883.01867000002 | 1.1587216066983668 | 67115.19365 | 1.3117820354313419 | 29031.799980000003 146331.49467 | -0.10740791424590675 | 163939.94189000005 | 690558.6227 | -0.07474858111680707 | 746347.00213 | 0.3064707936721402 | 571269.56511 | 0.02201170534324406 | 558965.7751699999 Dépenses d'intérêt | 46219.382690000006 | 0.027968271840396845 | 44961.8767 | 187899.14898300503 | 0.030341267666886572 | 182365.935325958 | 0.12735606709473118 | 161764.273638875 | 0.041186249571496025 | 155365.35726 100112.11197999999 | -0.15856664991040487 | 118978.06519000005 | 502659.4737169949 | -0.10872987888501875 | 563981.0668040421 | 0.37722534616823017 | 409505.291471125 | 0.014630494169710599 | 403600.41790999996 AUTRES REVENUS Commissions | 7733.189140000002 | 0.5832781782636316 | 4884.2896 | 25630.743199999997 | 0.21178147786894663 | 21151.291439999997 | -0.05650714516171521 | 22418.072729999996 | 0.0651965355925976 | 21045.949719999997 Gains sur change | 4545.41855 | -0.1378584163464138 | 5272.2414 | 14464.422600000002 | -0.31559665270430776 | 21134.35397 | 1.7073940625777582 | 7806.161010000002 | -0.6010075300715816 | 19564.682539999998 Autres | 7301.135190000001 | -0.01906059753879326 | 7443.003279999999 | 71744.04011 | 0.5974789949670927 | 44910.78777 | -0.4729440636117505 | 85210.66678 | 1.3413139305349486 | 36394.379100000006 19579.742880000005 | 0.11251482956854728 | 17599.53428 | 111839.20591 | 0.282612164641297 | 87196.43317999999 | -0.24462677416270193 | 115434.90052 | 0.49905698968524886 | 77005.01136 PRODUIT NET BANCAIRE | 119691.85485999999 | -0.12363480303890603 | 136577.59947000004 | 614498.6796269949 | -0.05632691602204622 | 651177.499984042 | 0.24047941064312955 | 524940.191991125 | 0.09224773592022438 | 480605.42926999996 Dotation à la provision pour créances douteuses | 1203.0415399999983 | -1.6605009268105686 | -1821.4077999999997 | 72875.55066 | 1.006455391255436 | 36320.54367 | 2.282431105353218 | 11065.13511 | -0.7101019931550905 | 38169.06239000001 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 118488.81331999999 | -0.1438608147756264 | 138399.00727000003 | 541623.1289669949 | -0.11910709734190991 | 614856.956314042 | 0.1965106071616104 | 513875.056881125 | 0.1614665867204832 | 442436.36688 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 39260.604289999996 | -0.01754358480245434 | 39961.67533 | 161999.09005 | 0.029894803592110417 | 157296.73505000002 | 0.1764421657291397 | 133705.455 | 0.022683683752367855 | 130739.79483999997 Frais de locaux | 22474.563480000004 | 0.14660424966899224 | 19600.97696 | 91870.23842000001 | 0.19996180576024183 | 76560.96884 | 0.31629344127582826 | 58164.05859 | 0.1790164787618951 | 49332.693510000005 Amortissement | 3453.94708 | -0.2094659494006695 | 4369.13132 | 16117.863720000001 | -0.002832430853273291 | 16163.646130000005 | -0.14805086993787658 | 18972.54843 | -0.020209238917490813 | 19363.877660000002 Autres dépenses d'exploitation | 29846.66644 | -0.07300815551611912 | 32197.33444000002 | 127587.84571000002 | -0.0008839911737810833 | 127700.73202999993 | 0.5194406144074976 | 84044.56931 | 0.015740797351912778 | 82742.14202 95035.78129 | -0.011373627285661131 | 96129.11805000002 | 397575.03790000005 | 0.052559690824144356 | 377722.08204999997 | 0.2809060904063194 | 294886.63133 | 0.04503575906159715 | 282178.50802999997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 23453.032029999988 | -0.445159841608878 | 42269.88922000001 | 144048.09106699488 | -0.39254784217608585 | 237134.874264042 | 0.08286487592779426 | 218988.42555112502 | 0.3664754235615759 | 160257.85885000002 Impôts sur le revenu | 6332.318649999999 | -0.44515984144239923 | 11412.870089400007 | 37701.307675900025 | -0.39922646609625784 | 62754.60809820003 | 0.061355067012540426 | 59126.87473649999 | 0.394729207997185 | 42393.085623700026 BÉNÉFICE NET | 17120.713379999987 | -0.44515984167045236 | 30857.019130600005 | 106346.78339109485 | -0.39014439116662897 | 174380.26616584198 | 0.09082055864735597 | 159861.55081462505 | 0.3563132260704509 | 117864.77322629999 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 245612840.78270063 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021085216315868613 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 Bons B.R.H. | 2200000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.30158730158730157 | 3150000 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 42313270.945769995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026307368685966833 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 Dépôts | 205519984.5728756 | 0 | 0 | 0 | 0 | 0 | 0 | 0.016499699958009133 | 202184009.08663866 | 0.045620812223955885 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 Avoir des Actionnaires | 21003199.882400002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03688246529492262 | 20256104.8001 | 0.04383936673995961 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 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. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) Résultats Revenus nets d'intérêt | 2015832.30079 | -0.023867237897729956 | 2065121.0358399998 | 0 | 0 | 2074803.7950499998 | 0 | 0 | 2036553.453704 | 0 | 0 | 1986860.5678400001 | 2015832.30079 | -0.023867237897729956 | 2065121.0358399998 Autres revenus | 1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 | 0 | 0 | 1446979.64698 | 0 | 0 | 1002091.5624200001 | 0 | 0 | 1952001.83005 | 1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 Dot. à la prov. pr créances douteuses | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 | 0 | 0 | 225857.13683 | 0 | 0 | 341325.97072000004 | 0 | 0 | 240455.3111 | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 Dépenses d'exploitation | 2424621.44549 | 0.06505863447944539 | 2276514.5194800003 | 0 | 0 | 2308831.79796 | 0 | 0 | 2338775.5001999997 | 0 | 0 | 2170147.86986 | 2424621.44549 | 0.06505863447944539 | 2276514.5194800003 Bénéfice (perte) net | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 | 0 | 0 | 830796.8896399993 | 0 | 0 | 160371.35749400005 | 0 | 0 | 1237237.27475 | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 24) | (oct. - déc. 23) | (janv. - mars 25) | (janv. - mars 24) | (avril - juin 25) | (avril - juin 24) | (juil. - sept. 25) | (juil. - sept. 24) | (oct. 24 - déc. 24) | (oct. 23- déc. 23) | 2024 | 2023 | 2022 | 2021 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.08551344390410769 | 0.08724415653319742 | 0 | 0.08967833390311958 | 0 | 0.08015080026911336 | 0 | 0.084210618164813 | 0.08551344390410769 | 0.08724415653319742 | 0.084210618164813 | 0.08350589749755921 | 0.07528974387734151 | 0.0734203971703253 Dépôts en % de l'actif | 0.8367640059776186 | 0.8261669836757143 | 0 | 0.832486081219478 | 0 | 0.8475973044845778 | 0 | 0.8405387193761931 | 0.8367640059776186 | 0.8261669836757143 | 0.8405387193761931 | 0.8320845712658815 | 0.8557027313876048 | 0.8631776716154627 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.005380708375232739 | 0.02628287850735127 | 0 | 0.011149483370252043 | 0 | 0.00851933571922217 | 0 | 0.0055162569408632525 | 0.005380708375232739 | 0.02628287850735127 | 0.0055162569408632525 | 0.014016912999195625 | 0.00150175380596432 | 0.00510104968168687 Provisions pour créances douteuses en % des prêts improductifs bruts | 4.912296839064194 | 1.1589108153433003 | 0 | 2.179968148414549 | 0 | 3.300025578827929 | 0 | 5.035422392966732 | 4.912296839064194 | 1.1589108153433003 | 5.035422392966732 | 1.8330676265606023 | 9.169258965939676 | 4.3646363278449485 Prêts improductifs nets en % de l'avoir des actionnaires | -0.04356080873641879 | -0.00982099343680555 | 0 | -0.027387566034684025 | 0 | -0.04354643836400344 | 0 | -0.046602656203938074 | -0.04356080873641879 | -0.00982099343680555 | -0.046602656203938074 | -0.030859638379443253 | -0.03944924059046916 | -0.05380588016584977 Rentabilité ROA (rendement de l'actif) | 0.01247274602562666 | 0.014173701397207536 | 0 | 0.01416742643038573 | 0 | 0.002700391738656429 | 0 | 0.020699987771262016 | 0.01247274602562666 | 0.014173701397207536 | 0.01290070319117264 | 0.02356083406257302 | 0.022344288908249615 | 0.026942727683757217 ROE (rendement avoir des action.) | 0.1469649866710402 | 0.16602274031568567 | 0 | 0.16012660802772066 | 0 | 0.03180177277463805 | 0 | 0.25184576212423326 | 0.1469649866710402 | 0.16602274031568567 | 0.15382824024847003 | 0.2962793081678389 | 0.3001573948726735 | 0.33250992580766514 Revenus nets d'intérêt en % des revenus d'intérêt | 0.861419989659761 | 0.8650701965081747 | 0 | 0.8994082578297719 | 0 | 0.8775537016611055 | 0 | 0.8547244108381175 | 0.861419989659761 | 0.8650701965081747 | 0.8740787500979855 | 0.8678564774472659 | 0.8223947513581819 | 0.8144197355633667 Rendement moyen des prêts | 0.12503251261197215 | 0.13202374169997094 | 0 | 0.12931500585199765 | 0 | 0.13122220752475516 | 0 | 0.1270080064269907 | 0.12503251261197215 | 0.13202374169997094 | 0.12556420320037712 | 0.11313361988764775 | 0.07746518073442459 | 0.07923305842060718 Rendement moyen des prêts productifs | 0.12571737682864695 | 0.13470660359022787 | 0 | 0.13181669689188685 | 0 | 0.1325296009332405 | 0 | 0.1279054370963204 | 0.12571737682864695 | 0.13470660359022787 | 0.12685422286581097 | 0.11400684210529684 | 0.07770523120931115 | 0.07971792423496582 Rémunération moyenne des dépôts | 0.006363339068605313 | 0.006697698674737563 | 0 | 0.004771252827899299 | 0 | 0.005695945323667079 | 0 | 0.006693984126087855 | 0.006363339068605313 | 0.006697698674737563 | 0.0059463239423811765 | 0.005786844443795254 | 0.004906166998469684 | 0.00552208416672816 Dépenses d'exploitation en % du produit net bancaire | 0.6951851466047132 | 0.6362945091416926 | 0 | 0.655585965453106 | 0 | 0.7696771053511438 | 0 | 0.5509580306797519 | 0.6951851466047132 | 0.6362945091416926 | 0.6460347568688282 | 0.5523325541297847 | 0.572965483892479 | 0.5273483255696426 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 9097.4498201239 | 8983.725315229127 | 0 | 8907.451007347454 | 0 | 7778.93124127744 | 0 | 10234.134193933096 | 9097.4498201239 | 8983.725315229127 | 8940.653834762783 | 13858.742975171173 | 8302.657319481008 | 7150.438652770809 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.déc. 24 | SEPTEMBRE Déc. 24 | Var. | Mars 25 | Var. | Juin 25 | Var. | Sept. 25 | /sept. 24 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 ACTIF Disponibilités Encaisse | 9473176.425810779 | 0 | 0 | 0 | 0 | 0 | 0 | -0.43257142541440435 | 16694923.11473603 | 0.4967303288776143 | 11154262.590012066 | 1.0895019024858448 | 5338239.978026357 | 0.06204019493204622 | 5026401.075495942 Avoirs à la BRH | 100218184.09170781 | 0 | 0 | 0 | 0 | 0 | 0 | 0.10175524983057775 | 90962293.21994957 | -0.014041330009889275 | 92257714.23143116 | 0.017577021827108776 | 90664109.2049995 | 0.25332650026526293 | 72338779.38893872 Avoirs à l'étranger | 13176697.601320932 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04085983330944099 | 13738031.268970974 | -0.08120952151349041 | 14952300.432630884 | -0.11764671704269684 | 16945933.926280208 | -4.859193621607797e-05 | 16946757.402034957 Avoirs dans les banques locales | 5595.881450009137 | 0 | 0 | 0 | 0 | 0 | 0 | 3.2671599549822954 | 1311.3831000113878 | 0 | 7876.384950005764 | 0 | 6.375926050532144e-09 | 0 | 6.110186409205198e-09 Autres liquidités | 915874.1545226049 | 0 | 0 | 0 | 0 | 0 | 0 | -0.41160368772202366 | 1556559.984165771 | -0.19128484153955413 | 1924732.049203826 | 0.916883857982657 | 1004094.24451486 | 0.2843687185670473 | 781780.364158288 123789528.15481214 | 0 | 0 | 0 | 0 | 0 | 0 | 0.006802667479200482 | 122953118.97092238 | 0.022080648784030522 | 120296885.68822795 | 0.05567684046386677 | 113952377.35382092 | 0.19831656048463345 | 95093718.23062791 Bons B.R.H. | 2200000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.30158730158730157 | 3150000 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 13550000 | 0 | 0 | 0 | 0 | 0 | 0 | 0.3286919003726221 | 10198000 | 0.8541818181818182 | 5500000 | -0.11290322580645161 | 6200000 | -0.08823529411764706 | 6800000 Autres Placements | 54295891.087898254 | 0 | 0 | 0 | 0 | 0 | 0 | -0.006946122651670533 | 54675675.03273854 | 0.1413613843510189 | 47903911.75169052 | 0.1913120996517343 | 40211051.13067739 | 0.21842040898893045 | 33002607.99476046 Portefeuille net | 42313270.945769995 | 0 | 0 | 0 | 0 | 0 | 0 | 0.026307368685966833 | 41228653.55623999 | -0.17486826314171713 | 49966146.876399994 | -0.04315305776366303 | 52219581.492960006 | 0.2782957527678963 | 40850938.74394 Immobilisations | 4597332.87228 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03520077499628547 | 4441006.01866 | 0.08237390839534574 | 4103023.9034900004 | 0.23486149346758736 | 3322659.201209999 | 0.08831236168912789 | 3053038.18846 Autres actifs | 4866817.721940225 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24965516195127127 | 3894528.562856447 | -0.1558296760670132 | 4613439.317212492 | 0.6470463050083847 | 2801038.017682816 | 0.028759379817235177 | 2722733.8798898105 245612840.78270063 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021085216315868613 | 240540982.14141735 | 0.035103946064207796 | 232383407.53702095 | 0.06253443488768318 | 218706707.19635114 | 0.20484270627840398 | 181523037.03767818 PASSIF | 0 | 0 | 0 Dépôts | 0 | 0 | 0 À vue | 95428918.26308471 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0020314883670200334 | 95623175.63199863 | 0.03974682417966249 | 91967749.65621388 | 0.08277525922920087 | 84937062.30569333 | 0.19847177099902089 | 70871141.36605118 Épargne | 75916728.60751504 | 0 | 0 | 0 | 0 | 0 | 0 | 0.04853490777658108 | 72402671.61776856 | -0.030151402027704107 | 74653581.77466455 | -0.0008472307877473312 | 74716884.21933973 | 0.21478062858724267 | 61506483.11393759 À terme | 34174337.70227584 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0004735578419476504 | 34158161.836871475 | 0.27735527570535146 | 26741316.598868273 | -0.027375577906464586 | 27493980.195673734 | 0.1310202466599536 | 24309007.97476168 205519984.5728756 | 0 | 0 | 0 | 0 | 0 | 0 | 0.016499699958009133 | 202184009.08663866 | 0.045620812223955885 | 193362648.0297467 | 0.0332075349053402 | 187147926.7207068 | 0.1944090174683744 | 156686632.45475045 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 | 12010035.150317037 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13872286779814197 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 12010035.150317037 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13872286779814197 | 10546934.192636255 | 0.22079457133358266 | 8639401.288551684 | 0.3952947068635687 | 6191811.12495716 | 0.5162420825951661 | 4083656.0309415725 Obligations à terme Banques locales | 1826456.9254700001 | 0 | 0 | 0 | 0 | 0 | 0 | -0.026334723360206133 | 1875857.10335 | 0 | 3373557.81487 | 0 | 4470933.526389999 | 0 | 3968534.2379099997 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2956151.8217208683 | 0 | 0 | 0 | 0 | 0 | 0 | -0.09901582279547111 | 3281025.2349745804 | -0.3754768786008453 | 5253648.940368953 | 1.327131149530416 | 2257564.6161708888 | 0.39165437984239937 | 1622216.4417192084 4782608.7471908685 | 0 | 0 | 0 | 0 | 0 | 0 | -0.07257749286855159 | 5156882.33832458 | -0.4022535352832463 | 8627206.755238954 | 0.28218906692830137 | 6728498.142560888 | 0.20350531227894741 | 5590750.6796292085 Autres passifs | 2297012.42495168 | 0 | 0 | 0 | 0 | 0 | 0 | -0.04173431101707125 | 2397051.727261207 | 0.020557713201169905 | 2348766.46 | 0.08133478208894412 | 2172099.241515755 | 0.18402509271008033 | 1834504.3993485821 224609640.89533517 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01963259395107706 | 220284877.3448607 | 0.03430802260441095 | 212978022.53353736 | 0.053093698107249274 | 202240335.22974062 | 0.20241197206262992 | 168195543.56466982 AVOIR DES ACTIONNAIRES Capital versé | 12527000 | 0 | 0 | 0 | 0 | 0 | 0 | -0.0003690662623562387 | 12531625 | -0.0023822697039776143 | 12561550 | 0.993679261191735 | 6300687.5 | -0.00019835169739465045 | 6301937.5 Réserves | 2116731.10039 | 0 | 0 | 0 | 0 | 0 | 0 | 0.0015486601476546412 | 2113458.0720999995 | 1.7379232408709515 | 771920.1329499999 | -0.6988681174322054 | 2563395.56731 | 0.44333292640853855 | 1776025.1432 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 | 6359468.782010001 | 0 | 0 | 0 | 0 | 0 | 0 | 0.1333887285224929 | 5611021.728 | -0.07590573292094535 | 6071914.87697 | -0.20130437616435562 | 7602288.901760001 | 0.44818444648348366 | 5249530.83167 21003199.882400002 | 0 | 0 | 0 | 0 | 0 | 0 | 0.03688246529492262 | 20256104.8001 | 0.04383936673995961 | 19405385.00992 | 0.1784857676220703 | 16466371.96907 | 0.23551904190526105 | 13327493.47487 245612840.77773517 | 0 | 0 | 0 | 0 | 0 | 0 | 0.021085216280184407 | 240540982.1449607 | 0.035103946050786 | 232383407.54345736 | 0.06253443490516385 | 218706707.1988106 | 0.20484270627959664 | 181523037.0395398 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | -0.26295 | 4434.180791275 | 3750.073000181 | 2958.534002186 Crédit documentaire | 1949395.762050704 | 0 | 0 | 0 | 1935998.2137499999 | 1881109.1359275752 | 1809400.1296932271 | 1568762.3525348501 Autres | 3947787.3108369913 | 0 | 0 | 0 | 3713273.41183 | 2316107.008951261 | 2151870.224273834 | 2359671.6640074262 Portefeuille brut | 43462043.902329996 | 0 | 0 | 0 | 0 | 0 | 0 | 0.024889459393976434 | 42406567.365839995 | -0.1731006341135394 | 51283831.03834999 | -0.03144275000816264 | 52948683.249010004 | 0.2672859755683287 | 41781164.05436 Provisions pour créances douteuses | 1148772.95656 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02473937634698052 | 1177913.8096 | -0.10607272697514876 | 1317684.16195 | 0.8072705915409105 | 729101.75605 | -0.21620950550054593 | 930225.31042 Portefeuille de crédit improductif | 233856.58362999998 | 0 | 0 | 0 | 0 | 0 | 0 | -0.00029470037957946547 | 233925.52156999998 | -0.6745796048867272 | 718840.9979300001 | 8.040218612369747 | 79515.88659000001 | -0.6269098213476743 | 213127.79359999998 0 [unibkcomp ] UNIBANK (UNIBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 24 | Comp. | Mars 25 | Comp. | Juin 25 | Comp. | Sept. 25 | Comp. | 2024 | Comp. | 2023 | Comp. | 2022 | Comp. | 2021 | Comp. ACTIF Disponibilités Encaisse | 9473176.425810779 | 0.038569548707723784 | 0 | 0 | 0 | 0 | 0 | 0 | 16694923.11473603 | 0.06940573272009364 | 11154262.590012066 | 0.047999393365617475 | 5338239.978026357 | 0.024408213385215368 | 5026401.075495942 | 0.027690155241577558 Avoirs à la BRH | 100218184.09170781 | 0.40803316216017044 | 0 | 0 | 0 | 0 | 0 | 0 | 90962293.21994957 | 0.3781571539708422 | 92257714.23143116 | 0.39700646104319476 | 90664109.2049995 | 0.4145465421122308 | 72338779.38893872 | 0.398510186747942 Avoirs à l'étranger | 13176697.601320932 | 0.05364824395715801 | 0 | 0 | 0 | 0 | 0 | 0 | 13738031.268970974 | 0.05593368500275329 | 14952300.432630884 | 0.06434323599566305 | 16945933.926280208 | 0.0774824610708735 | 16946757.402034957 | 0.09335871456644575 Avoirs dans les banques locales | 5595.881450009137 | 2.2783342402525046e-05 | 0 | 0 | 0 | 0 | 0 | 0 | 1311.3831000113878 | 5.4518073732666794e-06 | 7876.384950005764 | 3.389392140121269e-05 | 6.375926050532144e-09 | 2.915286015809267e-17 | 6.110186409205198e-09 | 3.366066648574707e-17 Autres liquidités | 915874.1545226049 | 0.0037289343326023412 | 0 | 0 | 0 | 0 | 0 | 0 | 1556559.984165771 | 0.0064710801889494565 | 1924732.049203826 | 0.008282570901268833 | 1004094.24451486 | 0.004591053733040759 | 781780.364158288 | 0.004306783188053515 123789528.15481214 | 0.5040026725000571 | 0 | 0 | 0 | 0 | 0 | 0 | 122953118.97092238 | 0.5111524775376387 | 120296885.68822795 | 0.5176655552271454 | 113952377.35382092 | 0.5210282703013603 | 95093718.23062791 | 0.5238658397440188 Bons B.R.H. | 2200000 | 0.008957186411708788 | 0 | 0 | 0 | 0 | 0 | 0 | 3150000 | 0.013095481576391302 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 13550000 | 0.055168125399388215 | 0 | 0 | 0 | 0 | 0 | 0 | 10198000 | 0 | 5500000 | 0 | 6200000 | 0 | 6800000 | 0 Autres Placements | 54295891.087898254 | 0.22106291721097387 | 0 | 0 | 0 | 0 | 0 | 0 | 54675675.03273854 | 0.22730295081523344 | 47903911.75169052 | 0.20614170460538994 | 40211051.13067739 | 0.18385833542167773 | 33002607.99476046 | 0.1818094746173193 Portefeuille net | 42313270.945769995 | 0.17227629797745603 | 0 | 0 | 0 | 0 | 0 | 0 | 41228653.55623999 | 0.1713997057349716 | 49966146.876399994 | 0.21501598330956523 | 52219581.492960006 | 0.2387653408639094 | 40850938.74394 | 0.22504547858275806 Immobilisations | 4597332.87228 | 0.018717803424403885 | 0 | 0 | 0 | 0 | 0 | 0 | 4441006.01866 | 0.018462575396192036 | 4103023.9034900004 | 0.01765626878001756 | 3322659.201209999 | 0.015192305914180184 | 3053038.18846 | 0.016819012276806992 Autres actifs | 4866817.721940225 | 0.019814997076012045 | 0 | 0 | 0 | 0 | 0 | 0 | 3894528.562856447 | 0.015856371965104327 | 4613439.317212492 | 0.01985270534634675 | 2801038.017682816 | 0.012807279911942032 | 2722733.8798898105 | 0.014999384785109456 245612840.78270063 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 240540982.14141735 | 0.979350189407359 | 232383407.53702095 | 1 | 218706707.19635114 | 1 | 181523037.03767818 | 1 0 PASSIF | 0 Dépôts | 0 À vue | 95428918.26308471 | 0.38853391361371403 | 0 | 0 | 0 | 0 | 0 | 0 | 95623175.63199863 | 0.3975338205602755 | 91967749.65621388 | 0.3957586758493612 | 84937062.30569333 | 0 | 70871141.36605118 | 0.3904250530545094 Épargne | 75916728.60751504 | 0.3090910408657352 | 0 | 0 | 0 | 0 | 0 | 0 | 72402671.61776856 | 0.3009993181752373 | 74653581.77466455 | 0.3212517733770278 | 74716884.21933973 | 0.34163051136909206 | 61506483.11393759 | 0.3388356878425898 À terme | 34174337.70227584 | 0.13913905149816932 | 0 | 0 | 0 | 0 | 0 | 0 | 34158161.836871475 | 0.14200558064068028 | 26741316.598868273 | 0.11507412203949251 | 27493980.195673734 | 0.1257116461956062 | 24309007.97476168 | 0.1339169307183635 205519984.5728756 | 0.8367640059776186 | 0 | 0 | 0 | 0 | 0 | 0 | 202184009.08663866 | 0.8405387193761931 | 193362648.0297467 | 0.8320845712658815 | 187147926.7207068 | 0.8557027313876048 | 156686632.45475045 | 0.8631776716154627 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 | 12010035.150317037 | 0.04889823802389304 | 0 | 0 | 0 | 0 | 0 | 0 | 10546934.192636255 | 0.04384672457367605 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 12010035.150317037 | 0.04889823802389304 | 0 | 0 | 0 | 0 | 0 | 0 | 10546934.192636255 | 0.04384672457367605 | 8639401.288551684 | 0.037177358659633834 | 6191811.12495716 | 0.028311025319393876 | 4083656.0309415725 | 0.022496626861162203 Obligations à terme Banques locales | 1826456.9254700001 | 0.0074363250701778615 | 0 | 0 | 0 | 0 | 0 | 0 | 1875857.10335 | 0.007798492741861168 | 3373557.81487 | 0.014517206071748298 | 4470933.526389999 | 0.020442599057449443 | 3968534.2379099997 | 0.021862427506026485 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2956151.8217208683 | 0.012035819512939246 | 0 | 0 | 0 | 0 | 0 | 0 | 3281025.2349745804 | 0.013640192227391924 | 5253648.940368953 | 0.022607676666984048 | 2257564.6161708888 | 0.010322338281761455 | 1622216.4417192084 | 0.008936697337112588 4782608.7471908685 | 0.019472144583117107 | 0 | 0 | 0 | 0 | 0 | 0 | 5156882.33832458 | 0.02143868496925309 | 8627206.755238954 | 0.03712488273873235 | 6728498.142560888 | 0.030764937339210898 | 5590750.6796292085 | 0.030799124843139077 Autres passifs | 2297012.42495168 | 0.009352167491047017 | 0 | 0 | 0 | 0 | 0 | 0 | 2397051.727261207 | 0.009965252930795582 | 2348766.46 | 0.010107289865890354 | 2172099.241515755 | 0.009931562087694374 | 1834504.3993485821 | 0.010106179520166356 224609640.89533517 | 0.9144865560756757 | 0 | 0 | 0 | 0 | 0 | 0 | 220284877.3448607 | 0.9157893818499178 | 212978022.53353736 | 0.9164941025301382 | 202240335.22974062 | 0.924710256133904 | 168195543.56466982 | 0.9265796028399303 AVOIR DES ACTIONNAIRES Capital versé | 12527000 | 0.05100303371794363 | 0 | 0 | 0 | 0 | 0 | 0 | 12531625 | 0.052097671209442746 | 12561550 | 0.05405527930387553 | 6300687.5 | 0.028808844414375232 | 6301937.5 | 0.03471701224727706 Réserves | 2116731.10039 | 0.00861816138620668 | 0 | 0 | 0 | 0 | 0 | 0 | 2113458.0720999995 | 0.008786270236717785 | 771920.1329499999 | 0.0033217523623196954 | 2563395.56731 | 0.011720699379414218 | 1776025.1432 | 0.009784020652052862 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 | 6359468.782010001 | 0.02589224879995737 | 0 | 0 | 0 | 0 | 0 | 0 | 5611021.728 | 0.023326676718652472 | 6071914.87697 | 0.02612886583136399 | 7602288.901760001 | 0.03476020008355206 | 5249530.83167 | 0.02891936427099537 21003199.882400002 | 0.08551344390410769 | 0 | 0 | 0 | 0 | 0 | 0 | 20256104.8001 | 0.084210618164813 | 19405385.00992 | 0.08350589749755921 | 16466371.96907 | 0.07528974387734151 | 13327493.47487 | 0.0734203971703253 245612840.77773517 | 0.9999999999797834 | 0 | 0 | 0 | 0 | 0 | 0 | 240540982.1449607 | 1.0000000000147307 | 232383407.54345736 | 1.0000000000276974 | 218706707.1988106 | 1.0000000000112454 | 181523037.0395398 | 1.0000000000102556 [unibkgdes&$] UNIBANK (UNIBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Décembre 24 | Septembre 24 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1723917.266860778 | 7749259.15895 | 9473176.425810779 | 0.1819787988075218 | 2077109.78270603 | 14617813.33203 | 16694923.11473603 | 0.12441565429388753 Avoirs à la BRH | 71257592.34676781 | 28960591.744939998 | 100218184.09170781 | 0.7110245809439264 | 72050064.95585957 | 18912228.26409 | 90962293.21994957 | 0.7920871649710979 Avoirs à l'étranger | 13176697.601320932 | 0 | 13176697.601320932 | 1 | 13738031.268970974 | 0 | 13738031.268970974 | 1 Avoirs dans les banques locales | 7.457313354825601e-09 | 5595.88145000168 | 5595.881450009137 | 0 | 9.404042061578365e-09 | 1311.3831000019838 | 1311.3831000113878 | 0 Autres liquidités | 266236.980482605 | 649637.17404 | 915874.154522605 | 0.2906916623511226 | 848447.298205771 | 708112.68596 | 1556559.984165771 | 0.5450784465980547 86424444.19543216 | 37365083.95938 | 123789528.15481216 | 0.6981563423309043 | 88713653.30574238 | 34239465.665180005 | 122953118.97092238 | 0.7215242203552606 Bons B.R.H. | 0 | 2200000 | 2200000 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 13550000 | 13550000 | 0 | 0 | 10198000 | 10198000 | 0 Autres Placements | 41122458.78374827 | 13173432.30415 | 54295891.08789827 | 0.7573769940929074 | 41801281.50658852 | 16024393.526150003 | 57825675.03273852 | 0.7228844537123406 Portefeuille net | 29324944.11169 | 12988326.834080001 | 42313270.94577 | 0.6930436587914405 | 28283216.497599997 | 12945437.05864 | 41228653.55623999 | 0.6860087356240938 Immobilisations | 0 | 4597332.87228 | 4597332.87228 | 0 | 0 | 4441006.01866 | 4441006.01866 | 0 Autres actifs | 816160.4387802251 | 4050657.28316 | 4866817.721940225 | 0.16769899458138146 | 731750.7497264469 | 3162777.8131299997 | 3894528.5628564465 | 0.1878919971740414 157688007.52965066 | 87924833.25305 | 245612840.78270066 | 0.642018581060918 | 159529902.05965734 | 81011080.08176 | 240540982.14141732 | 0.6632129820018259 | 0 0 PASSIF | 0 Dépôts | 0 À vue | 70440405.9466547 | 24988512.31643 | 95428918.26308471 | 0.7381452837226968 | 72274610.72313863 | 23348564.90886 | 95623175.63199863 | 0.7558273425396802 | 0 Épargne | 51689167.84879503 | 24227560.758720003 | 75916728.60751504 | 0.6808666389726162 | 50061440.356598556 | 22341231.26117 | 72402671.61776856 | 0.6914308441667065 À terme | 27139918.40583584 | 7034419.29644 | 34174337.70227584 | 0.7941607718129517 | 27440144.74803148 | 6718017.08884 | 34158161.836871475 | 0.8033261531775887 149269492.20128557 | 56250492.371589996 | 205519984.57287556 | 0.7263015930616515 | 149776195.82776865 | 52407813.25887 | 202184009.08663866 | 0.74079150227745 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 | 5080054.116657037 | 6929981.033659999 | 12010035.150317036 | 0.4229841172881943 | 5403138.198286254 | 5143795.99435 | 10546934.192636255 | 0.5122946725180727 5080054.116657037 | 6929981.033659999 | 12010035.150317036 | 0.4229841172881943 | 5403138.198286254 | 5143795.99435 | 10546934.192636255 | 0.5122946725180727 Obligations à terme Banques locales | 0 | 1826456.9254700001 | 1826456.9254700001 | 0 | 0 | 1875857.10335 | 1875857.10335 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1395513.579140868 | 1560638.2425799998 | 2956151.821720868 | 0.47207101099716053 | 2109651.12055458 | 1171374.11442 | 3281025.23497458 | 0.6429853382614793 1395513.579140868 | 3387095.16805 | 4782608.7471908685 | 0.29178919976687245 | 2109651.12055458 | 3047231.21777 | 5156882.33832458 | 0.40909429033821715 Autres passifs | 1945342.44606168 | 351669.97889 | 2297012.42495168 | 0.8469011420791955 | 2097899.182221207 | 299152.54504 | 2397051.727261207 | 0.8751997958000672 157690402.34314516 | 66919238.55219 | 224609640.89533517 | 0.702064264537187 | 159386884.3288307 | 60897993.01603 | 220284877.34486067 | 0.723548916520979 AVOIR DES ACTIONNAIRES Capital versé | 0 | 12527000 | 12527000 | 0 | 0 | 12531625 | 12531625 | 0 Réserves | 0 | 2116731.10039 | 2116731.10039 | 0 | 0 | 2113458.0720999995 | 2113458.0720999995 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 6359468.782010001 | 6359468.782010001 | 0 | 0 | 5611021.728 | 5611021.728 | 0 0 | 21003199.882400002 | 21003199.882400002 | 0 | 0 | 20256104.8001 | 20256104.8001 | 0 0 | 0 157690402.34314516 | 87922438.43459 | 245612840.77773517 | 0.6420283314333939 | 159386884.3288307 | 81154097.81613 | 240540982.1449607 | 0.6626184149891642 *Converties au taux de 130.3311 Gdes | *Converties au taux de 131.4767 Gdes #REF! [UNIBKRÉSULT ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2025 | 2024 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 | 1342046.02767 | 0 | 0 | 0 | 0 | 0 | 0 | 1630574.18371 | -0.08939404532846709 | 1484810.56122 | -0.042646746716275344 | 1421488.221294 | -0.053662826607567986 | 1345207.14535 Intérêts sur Bons B.R.H. | 64656.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 468 | 0 | 21874 | 0 | 38232.75 Autres | 933424.3670300001 | 0 | 0 | 0 | 0 | 0 | 0 | 756655.2505900001 | 0.08579927889138196 | 821575.72546 | 0.06789230000529727 | 877354.39109 | 0.07268272894921718 | 941122.90249 2340127.1447 | 0 | 0 | 0 | 0 | 0 | 0 | 2387229.4343 | -0.03366879884487019 | 2306854.28668 | 0.006009189996976563 | 2320716.612384 | 0.001657326635865808 | 2324562.79784 Dépenses d'intérêt | 324294.84391 | 0 | 0 | 0 | 0 | 0 | 0 | 322108.39846 | -0.27958881935574104 | 232050.49163 | 0.22457468925811466 | 284163.15868 | 0.1884096149856325 | 337702.23 2015832.30079 | 0 | 0 | 0 | 0 | 0 | 0 | 2065121.0358399998 | 0.0046887126913902795 | 2074803.7950499998 | -0.018435642655588103 | 2036553.453704 | -0.02440048198765441 | 1986860.5678400001 AUTRES REVENUS Commissions | 667437.9279000002 | 0 | 0 | 0 | 0 | 0 | 0 | 660580.3835099998 | -0.12739928755199842 | 576422.91328 | -0.024593860884766006 | 562246.4483400001 | 0.6157739877631679 | 908463.18594 Gains sur change | 396445.88928999996 | 0 | 0 | 0 | 0 | 0 | 0 | 538623.91848 | -0.31580684259255765 | 368522.79944000003 | 0.13205114930188472 | 417186.65865 | -0.04228382956224716 | 399546.40908 Autres | 408018.70681 | 0 | 0 | 0 | 0 | 0 | 0 | 313443.26896 | 0.6016739996546774 | 502033.93426 | -0.9548666855291393 | 22658.455429999958 | 27.421718197849867 | 643992.23503 1471902.5240000002 | 0 | 0 | 0 | 0 | 0 | 0 | 1512647.5709499998 | -0.043412573577041445 | 1446979.64698 | -0.30745980808266965 | 1002091.5624200001 | 0.9479276178476296 | 1952001.83005 0 PRODUIT NET BANCAIRE | 3487734.82479 | 0 | 0 | 0 | 0 | 0 | 0 | 3577768.6067899996 | -0.01564806752838898 | 3521783.4420299996 | -0.13718572815695695 | 3038645.016124 | 0.2962561855659893 | 3938862.39789 0 Dotation à la provision pour créances douteuses | 127569.23956999999 | 0 | 0 | 0 | 0 | 0 | 0 | 254514.85327000002 | -0.11259742239718604 | 225857.13683 | 0.5112472225170908 | 341325.97072000004 | -0.29552588514498734 | 240455.3111 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3360165.58522 | 0 | 0 | 0 | 0 | 0 | 0 | 3323253.75352 | -0.008223100114174285 | 3295926.3051999994 | -0.1816203411015513 | 2697319.0454039997 | 0.3711418725537005 | 3698407.08679 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1228648.64826 | 0 | 0 | 0 | 0 | 0 | 0 | 1019987.8171300001 | -0.036831876007801356 | 982419.75232 | 0.08207774983104693 | 1063054.55498 | -0.07006999880772953 | 988566.32358 Frais de locaux | 91475.30219 | 0 | 0 | 0 | 0 | 0 | 0 | 91346.85015 | -0.024366909163752934 | 89121.00975 | 0.12892433021384164 | 100610.87624 | -0.10116314577880071 | 90432.7635 Amortissement | 193117.06337 | 0 | 0 | 0 | 0 | 0 | 0 | 185919.64401 | 0.018611814520330613 | 189379.94594 | 0.02856080686449056 | 194788.79 | 0.027718876173521013 | 200188.11635 Autres dépenses d'exploitation | 911380.4316700001 | 0 | 0 | 0 | 0 | 0 | 0 | 979260.2081899999 | 0.07010484157922621 | 1047911.0899499999 | -0.06449956644053167 | 980321.27898 | -0.0911544148495658 | 890960.6664300001 2424621.44549 | 0 | 0 | 0 | 0 | 0 | 0 | 2276514.5194800003 | 0.01419594656808152 | 2308831.79796 | 0.012969200383699114 | 2338775.5001999997 | -0.07210081956373304 | 2170147.86986 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 935544.1397299999 | 0 | 0 | 0 | 0 | 0 | 0 | 1046739.2340399995 | -0.0569814571388475 | 987094.5072399992 | -0.6367687768757638 | 358543.5452040001 | 3.262408952475963 | 1528259.21693 Impôts sur le revenu | 177584.99439 | 0 | 0 | 0 | 0 | 0 | 0 | 224616.16437 | -0.304156857818398 | 156297.6176 | 0.2679156007173844 | 198172.18771000003 | 0.46853070323810464 | 291021.94218 BÉNÉFICE NET (PERTE NETTE) | 757959.1453399999 | 0 | 0 | 0 | 0 | 0 | 0 | 822123.0696699995 | 0.010550512800329754 | 830796.8896399993 | -0.806966829686264 | 160371.35749400005 | 6.714826974612898 | 1237237.27475 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 | 2024 | 2025 (oct.24- déc. 24) | 2024 (oct23.- déc. 23) | 2024 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 | 1342046.02767 | -0.1769488066979694 | 1630574.18371 | 0 | 0 | 1484810.56122 | 0 | 0 | 1421488.221294 | 0 | 0 | 1345207.14535 | 1342046.02767 | -0.1769488066979694 | 1630574.18371 | 5882080.111574 Intérêts sur Bons B.R.H. | 64656.75 | 0 | 0 | 0 | 0 | 468 | 0 | 0 | 21874 | 0 | 0 | 38232.75 | 64656.75 | 0 | 0 | 60574.75 Autres | 933424.3670300001 | 0.23361909707514053 | 756655.2505900001 | 0 | 0 | 821575.72546 | 0 | 0 | 877354.39109 | 0 | 0 | 941122.90249 | 933424.3670300001 | 0.23361909707514053 | 756655.2505900001 | 3396708.26963 2340127.1447 | -0.019730943713758057 | 2387229.4343 | 0 | 0 | 2306854.28668 | 0 | 0 | 2320716.612384 | 0 | 0 | 2324562.79784 | 2340127.1447 | -0.019730943713758057 | 2387229.4343 | 9339363.131204 Dépenses d'intérêt | 324294.84391 | 0.006787918168086871 | 322108.39846 | 0 | 0 | 232050.49163 | 0 | 0 | 284163.15868 | 0 | 0 | 337702.23 | 324294.84391 | 0.006787918168086871 | 322108.39846 | 1176024.27877 2015832.30079 | -0.023867237897729956 | 2065121.0358399998 | 0 | 0 | 2074803.7950499998 | 0 | 0 | 2036553.453704 | 0 | 0 | 1986860.5678400001 | 2015832.30079 | -0.023867237897729956 | 2065121.0358399998 | 8163338.852434 AUTRES REVENUS Commissions | 667437.9279000002 | 0.010381089964498762 | 660580.3835099998 | 0 | 0 | 576422.91328 | 0 | 0 | 562246.4483400001 | 0 | 0 | 908463.18594 | 667437.9279000002 | 0.010381089964498762 | 660580.3835099998 | 2707712.93107 Gains sur change | 396445.88928999996 | -0.2639653092109747 | 538623.91848 | 0 | 0 | 368522.79944000003 | 0 | 0 | 417186.65865 | 0 | 0 | 399546.40908 | 396445.88928999996 | -0.2639653092109747 | 538623.91848 | 1723879.78565 Autres | 408018.70681 | 0.3017306390524826 | 313443.26896 | 0 | 0 | 502033.93426 | 0 | 0 | 22658.455429999958 | 0 | 0 | 643992.23503 | 408018.70681 | 0.3017306390524826 | 313443.26896 | 1482127.89368 1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 | 0 | 0 | 1446979.64698 | 0 | 0 | 1002091.5624200001 | 0 | 0 | 1952001.83005 | 1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 | 5913720.6104 PRODUIT NET BANCAIRE | 3487734.82479 | -0.025164786182407316 | 3577768.6067899996 | 0 | 0 | 3521783.4420299996 | 0 | 0 | 3038645.016124 | 0 | 0 | 3938862.39789 | 3487734.82479 | -0.025164786182407316 | 3577768.6067899996 | 14077059.462834 Dotation à la provision pour créances douteuses | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 | 0 | 0 | 225857.13683 | 0 | 0 | 341325.97072000004 | 0 | 0 | 240455.3111 | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 | 1062153.2719200002 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3360165.58522 | 0.011107136089413234 | 3323253.75352 | 0 | 0 | 3295926.3051999994 | 0 | 0 | 2697319.0454039997 | 0 | 0 | 3698407.08679 | 3360165.58522 | 0.011107136089413234 | 3323253.75352 | 13014906.190914001 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1228648.64826 | 0.2045718856889106 | 1019987.8171300001 | 0 | 0 | 982419.75232 | 0 | 0 | 1063054.55498 | 0 | 0 | 988566.32358 | 1228648.64826 | 0.2045718856889106 | 1019987.8171300001 | 4054028.44801 Frais de locaux | 91475.30219 | 0.0014062010872742039 | 91346.85015 | 0 | 0 | 89121.00975 | 0 | 0 | 100610.87624 | 0 | 0 | 90432.7635 | 91475.30219 | 0.0014062010872742039 | 91346.85015 | 371511.49964 Amortissement | 193117.06337 | 0.03871252765314501 | 185919.64401 | 0 | 0 | 189379.94594 | 0 | 0 | 194788.79 | 0 | 0 | 200188.11635 | 193117.06337 | 0.03871252765314501 | 185919.64401 | 770276.4963 Autres dépenses d'exploitation | 911380.4316700001 | -0.06931740506996026 | 979260.2081899999 | 0 | 0 | 1047911.0899499999 | 0 | 0 | 980321.27898 | 0 | 0 | 890960.6664300001 | 911380.4316700001 | -0.06931740506996026 | 979260.2081899999 | 3898453.24355 2424621.44549 | 0.06505863447944539 | 2276514.5194800003 | 0 | 0 | 2308831.79796 | 0 | 0 | 2338775.5001999997 | 0 | 0 | 2170147.86986 | 2424621.44549 | 0.06505863447944539 | 2276514.5194800003 | 9094269.6875 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 935544.1397299999 | -0.10622998612637315 | 1046739.2340399995 | 0 | 0 | 987094.5072399992 | 0 | 0 | 358543.5452040001 | 0 | 0 | 1528259.21693 | 935544.1397299999 | -0.10622998612637315 | 1046739.2340399995 | 3920636.5034140013 Impôts sur le revenu | 177584.99439 | -0.20938461892051408 | 224616.16437 | 0 | 0 | 156297.6176 | 0 | 0 | 198172.18771000003 | 0 | 0 | 291021.94218 | 177584.99439 | -0.20938461892051408 | 224616.16437 | 870107.9118600001 BÉNÉFICE NET (PERTE NETTE) | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 | 0 | 0 | 830796.8896399993 | 0 | 0 | 160371.35749400005 | 0 | 0 | 1237237.27475 | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 | 3050528.591554001 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Décembre) | ANNÉE 2025 | Var. | 2024 | 2024 | Var. | 2023 | Var. | 2022 | Var. | 2021 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1342046.02767 | -0.1769488066979694 | 1630574.18371 | 5882080.111574 | -0.0023779637595377147 | 5896100.82566 | 0.6069468825982995 | 3669132.37115 | 0.2527335499592418 | 2928900.85946 Intérêts sur Bons B.R.H. | 64656.75 | 0 | 0 | 60574.75 | 0 | 0 | 0 | 0 | 0 | 6070 Autres | 933424.3670300001 | 0.23361909707514053 | 756655.2505900001 | 3396708.26963 | 0.3946194413108697 | 2435580.75344 | 1.2553549290930437 | 1079910.18266 | 0.16670824884127314 | 925604.30916 2340127.1447 | -0.019730943713758057 | 2387229.4343 | 9339363.131204 | 0.12094575897280645 | 8331681.5791 | 0.7543918557680149 | 4749042.55381 | 0.2301386053590538 | 3860575.1686199997 Dépenses d'intérêt | 324294.84391 | 0.006787918168086871 | 322108.39846 | 1176024.27877 | 0.06816352641038065 | 1100977.7526500002 | 0.3053190799927057 | 843454.8835799999 | 0.17727536132105284 | 716446.56067 2015832.30079 | -0.023867237897729956 | 2065121.0358399998 | 8163338.852434 | 0.12898260644730192 | 7230703.82645 | 0.8513740919363828 | 3905587.6702300003 | 0.24218445147397416 | 3144128.6079499996 AUTRES REVENUS Commissions | 667437.9279000002 | 0.010381089964498762 | 660580.3835099998 | 2707712.93107 | 0.029393823026415963 | 2630395.5497900005 | 0.27368200922791636 | 2065190.1579300002 | 0.2715738861321544 | 1624121.2409700002 Gains sur change | 396445.88928999996 | -0.2639653092109747 | 538623.91848 | 1723879.78565 | -0.36679732130249887 | 2722477.08932 | -0.0388297780549785 | 2832460.91812 | 0.2501682034465221 | 2265663.86052 Autres | 408018.70681 | 0.3017306390524826 | 313443.26896 | 1482127.89368 | -0.4705983193926729 | 2799628.2368799997 | 0.2525492928015777 | 2235144.15997 | -0.057890349172199214 | 2372488.33828 1471902.5240000002 | -0.02693624591246341 | 1512647.5709499998 | 5913720.6104 | -0.2746126985626523 | 8152500.875990001 | 0.14296017286751403 | 7132795.236020001 | 0.13901050546939595 | 6262273.43977 PRODUIT NET BANCAIRE | 3487734.82479 | -0.025164786182407316 | 3577768.6067899996 | 14077059.462834 | -0.08490722608656613 | 15383204.702440001 | 0.39361035335437916 | 11038382.90625 | 0.1734968216594115 | 9406402.04772 Dotation à la provision pour créances douteuses | 127569.23956999999 | -0.49877487332863363 | 254514.85327000002 | 1062153.2719200002 | 1.0371129732277582 | 521401.26045 | 3.7968290200286745 | -186425.86183 | -58.90937034940303 | -3111.7980499999976 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3360165.58522 | 0.011107136089413234 | 3323253.75352 | 13014906.190914001 | -0.12427140880210023 | 14861803.441990001 | 0.3240139541844603 | 11224808.76808 | 0.19292122335587583 | 9409513.84577 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1228648.64826 | 0.2045718856889106 | 1019987.8171300001 | 4054028.44801 | 0.05510592143531269 | 3842295.22899 | 0.2969862958212676 | 2962479.43511 | 0.34269215937793973 | 2206372.78204 Frais de locaux | 91475.30219 | 0.0014062010872742039 | 91346.85015 | 371511.49964 | -0.07680041489773225 | 402417.31651000003 | 0.40340510372852617 | 286743.51791999995 | -0.15228925644838956 | 338256.32162999996 Amortissement | 193117.06337 | 0.03871252765314501 | 185919.64401 | 770276.4963 | 0.2980467808954709 | 593411.96915 | 0.12983185285600465 | 525221.4899500001 | 0.1312687781199653 | 464276.48328 Autres dépenses d'exploitation | 911380.4316700001 | -0.06931740506996026 | 979260.2081899999 | 3898453.24355 | 0.06558198374172401 | 3658520.2293499997 | 0.4346193216755654 | 2550167.96029 | 0.30674324416875764 | 1951544.7825500001 2424621.44549 | 0.06505863447944539 | 2276514.5194800003 | 9094269.6875 | 0.07033658126309453 | 8496644.743999999 | 0.3434253677912339 | 6324612.40327 | 0.2750076973167062 | 4960450.3695 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 935544.1397299999 | -0.10622998612637315 | 1046739.2340399995 | 3920636.5034140013 | -0.38404732867822056 | 6365158.697990002 | 0.2989599240757782 | 4900196.36481 | 0.1013995172121529 | 4449063.4762699995 Impôts sur le revenu | 177584.99439 | -0.20938461892051408 | 224616.16437 | 870107.9118600001 | -0.17221588511279878 | 1051129.0277399998 | 1.4514879746382214 | 428771.84739000007 | 0.14566598283601573 | 374255.54552000004 BÉNÉFICE NET (PERTE NETTE) | 757959.1453399999 | -0.07804661698126902 | 822123.0696699995 | 3050528.591554001 | -0.42594814465714365 | 5314029.670250002 | 0.1884422178094114 | 4471424.51742 | 0.09733381141157266 | 4074807.9307499994 [pageint.sect5] SECTION 5 RESPECT DES NORMES PRUDENTIELLES LIMITE RELATIVE À LA POSITION NETTE DE CHANGE DES BANQUES LIMITES SUR LA CONCENTRATION DES RISQUES DE CRÉDIT CLASSIFICATION DES PRÊTS SUFFISANCE DES FONDS PROPRES [posinette] Circulaire 81-3 - POSITION NETTE DE CHANGE DES BANQUES AU 31 mars 2016 Circulaire 81-6 - POSITION NETTE DE CHANGE DES BANQUES Trim 1 2025 | Trim 4 2024 Octobre1 | Nombre de jours de dépassement | Novembre1 | Nombre de jours de dépassement | Décembre 1 | Nombre de jours de dépassement | Juillet1 | Nombre de jours de dépassement | Aout1 | Nombre de jours de dépassement | Septembre 1 | Nombre de jours de dépassement BNC | 0.0047 | 0 | 0.0044 | 0 | 0.0013 | 0 | BNC | 0 | 0 | 0 BPH | 0 | 0 | 0.0643 | 0 | 0.0472 | 0 | BPH | 0 | 0 | 0 BUH | 0.0036 | 0 | 0.003 | 0 | 0.0035 | 0 | BUH | 0.0027 | 0 | 0.0006 | 0 | 0 CAPITALBK | 0 | 0.0035 | 0.0046 | 0 | CAPITALBK | 0 | 0 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | CBNA | 0.0014 | 0 | 0.0005 | 0 | 0.0003 | 0 SCOTIA | 0 | 0 | SCOTIA | 0 | 0 SOGEBK | 0.0008 | 0 | 0.0016 | 0 | SOGEBK | 0.0035 | 0 | 0.002 | 0 SOGEBL | 0 | 0.0034 | 0 | 0.0025 | 0 | SOGEBL | 0 | 0 | 0 UNIBK | 0.0015 | 0 | 0.0014 | 0 | 0.0012 | 0 | UNIBK | 0.0047 | 0 | 0 | 0.0071 | 0 1 Position de chaque banque le dernier jour du mois [Apparentés sept 24] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES Au 30 SEPTEMBRE 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 | 43 | 90208432.5 | 0 | 1 | 1300504510 | 44 | 1390712942.5 | 0.06486488314248215 | 0 | 0.9351351168575178 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 90353127.23493382 | 3 | 824805852.0974922 | 0 | 0 | 13 | 915158979.3324261 | 0.09872943310990952 | 0.9012705668900904 | 0 | 1 CAPITALBK | 12 | 655903000 | 1 | 535598000 | 0 | 0 | 13 | 1191501000 | 0.5504846408018121 | 0.44951535919818786 | 0 | 1 SOGEBK | 17 | 1209974075.1856391 | 0 | 0 | 0 | 0 | 17 | 1209974075.1856391 | 1 | 0 | 0 | 1 SOGEBL | 5 | 63372927.43703 | 0 | 0 | 0 | 0 | 5 | 63372927.43703 | 1 | 0 | - | 1 UNIBK | 10 | 1175078780 | 0 | 0 | 0 | 0 | 10 | 1175078780 | 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 | 1390712942.5 | 7526144268.13046 | 0.18478425246098312 BPH | 0 | -533083.3 | 0 BUH | 915158979.3324261 | 3254431190 | 0.28120397264642305 CAPITALBK | 1191501000 | 7478016000 | 0.15933383934990245 SOGEBK | 1209974075.1856391 | 11273344000 | 0.10733053787639578 SOGEBL | 63372927.43703 | 1035532615.2900001 | 0.0611983886372159 UNIBK | 1175078780 | 18245262290.15 | 0.06440459782452046 CBNA | 0 | 0 | #DIV/0! SCOTIABK | 0 | 0 | 0 [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 sept 24] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 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 | 3 | 1597409395 | 2 | 1929897610 | 2 | 3433986850 | 7 | 6961293855 | 0.2294701858983656 | 0.27723260218556023 | 0.4932972119160742 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 2 | 362285312.970621 | 8 | 3891225738.359691 | 0 | 10 | 4253511051.3303123 | 0.0851732389074936 | 0.9148267610925064 | 0 | 1 CAPITALBK | 3 | 1697800000 | 1 | 976600000 | 0 | 0 | 4 | 2674400000 | 0.634833981453784 | 0.365166018546216 | 0 | 1 SOGEBK | 10 | 7882680119.779769 | 4 | 7784131302.296132 | 14 | 15666811422.075901 | 0.5031451459658464 | 0.4968548540341536 | 0 | 1 SOGEBL | 1 | 57811649.33925749 | 0 | 0 | 0 | 0 | 1 | 57811649.33925749 | 1 | 0 | 0 | 1 UNIBK | 5 | 5415192410 | 5 | 12156131250 | 0 | 0 | 10 | 17571323660 | 0.30818352190093345 | 0.6918164780990665 | 0 | 1 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 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 | 0.37395612578953324 | 0.37395612578953324 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 320369000 | 6 | 3669300000 | 3 | 3362537000 | 10 | 7352206000 | 0.04357454075688304 | 0.4990746994847533 | 0.4573507597583637 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 577973000 | 7 | 1285049000 | 3 | 1272468000 | 16 | 3135490000 | 0.18433259235398614 | 0.40983992932524105 | 0.4058274783207728 | 1 CAPITALBK | 4 | 572627300 | 5 | 1582548240 | 0 | 0 | 9 | 2155175540 | 0.2656986817881202 | 0.7343013182118798 | 0 | 1 SOGEBK | 10 | 3558718351 | 3 | 2105115830 | 1 | 1074335019 | 14 | 6738169200 | 0.5281432159643602 | 0.3124165878767188 | 0.15944019615892102 | 1 SOGEBL | 7 | 271337489 | 0 | 0 | 0 | 0 | 7 | 271337489 | 1 | 0 | 0 | 1 UNIBK | 4 | 4593110000 | 1 | 1685502000 | 0 | 0 | 5 | 6278612000 | 0.7315486289007825 | 0.26845137109921746 | 0 | 1 CBNA | 1 | 40623000 | 4 | 408402000 | 0 | 0 | 5 | 449025000 | 0.09046935025889427 | 0.9095306497411058 | 0 | 1 [Non apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 454025000 | 5 | 2837413500 | 3 | 3371018000 | 10 | 6662456500 | 0.0681467863992808 | 0.42588097948556963 | 0.5059722341151496 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 550073000 | 6 | 1009142000 | 3 | 1199664000 | 15 | 2758879000 | 0.19938279279373977 | 0.36577972430106576 | 0.4348374829051945 | 1 CAPITALBK | 5 | 711931850 | 3 | 839336020 | 0 | 0 | 8 | 1551267870 | 0.4589354706353842 | 0.5410645293646158 | 0 | 1 SOGEBK | 12 | 4216569227.7999997 | 3 | 2232194985.83 | 1 | 1047560480.67 | 16 | 7496324694.299999 | 0.5624848708869513 | 0.2977719184879092 | 0.13974321062513959 | 1 SOGEBL | 8 | 303211655.82000005 | 0 | 0 | 0 | 0 | 8 | 303211655.82000005 | 1 | 0 | 0 | 1 UNIBK | 6 | 6325622000 | 1 | 1685502000 | 0 | 0 | 7 | 8011124000 | 0.7896048045193159 | 0.2103951954806841 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 3 | 337032000 | 3 | 337032000 | 0 | 0 | 1 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 478322500 | 5 | 2793614000 | 3 | 3683647000 | 10 | 6955583500 | 0.0687681342622082 | 0.40163618192492406 | 0.5295956838128677 | 1 BPH | 34 | 5340000 | 31 | 9793000 | 206 | 918277000 | 271 | 933410000 | 0.005720958635540652 | 0.010491638186863222 | 0.9837874031775962 | 1 BUH | 7 | 602774000 | 6 | 1221958000 | 2 | 840903000 | 15 | 2665635000 | 0.2261277331667689 | 0.45841159798697123 | 0.3154606688462599 | 1 CAPITALBK | 6 | 955477130 | 5 | 1335216710 | 0 | 0 | 11 | 2290693840 | 0.4171125417615826 | 0.5828874582384174 | 0 | 1 SOGEBK | 14 | 4614566512 | 2 | 1567495336 | 2 | 2020358013 | 18 | 8202419861 | 0.5625859917194502 | 0.1911015727752442 | 0.24631243550530557 | 1 SOGEBL | 6 | 225565628 | 2 | 138380347 | 0 | 0 | 8 | 363945975 | 0.6197777788310477 | 0.3802222211689523 | 0 | 1 UNIBK | 7 | 3873522000 | 3 | 4370137000 | 0 | 0 | 10 | 8243659000 | 0.46987897000591605 | 0.530121029994084 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 466480000 | 3 | 1568528000 | 3 | 3785905000 | 8 | 5820913000 | 0.08013863117349461 | 0.26946425758295994 | 0.6503971112435455 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 393381000 | 2 | 351447000 | 3 | 983322000 | 9 | 1728150000 | 0.22763128200677024 | 0.20336602725457859 | 0.5690026907386512 | 1 CAPITALBK | 6 | 904143070 | 5 | 1254438780 | 0 | 0 | 11 | 2158581850 | 0.4188597573911779 | 0.5811402426088221 | 0 | 1 SOGEBK | 11 | 3771563052.0900006 | 6 | 4529791118.53 | 0 | 0 | 17 | 8301354170.620001 | 0.4543310614837091 | 0.5456689385162908 | 0 | 1 SOGEBL | 7 | 284435888.55 | 1 | 85798355.44 | 0 | 0 | 8 | 370234243.99 | 0.7682592660382939 | 0.23174073396170616 | 0 | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 Septembre 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 226398500 | 1 | 708806000 | 2 | 2619224000 | 4 | 3554428500 | 0.06369476837134296 | 0.19941489890709577 | 0.7368903327215612 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 484377000 | 1 | 200731000 | 3 | 826881000 | 10 | 1511989000 | 0.32035748937326924 | 0.13275956372698478 | 0.5468829468997459 | 1 CAPITALBK | 2 | 302040090 | 5 | 1278507530 | 0 | 0 | 7 | 1580547620 | 0.19109838019306244 | 0.8089016198069375 | 0 | 1 SOGEBK | 10 | 3327371131.96 | 7 | 4583884954.53 | 0 | 0 | 17 | 7911256086.49 | 0.4205869580738424 | 0.5794130419261576 | 0 | 1 SOGEBL | 5 | 176908283.2 | 3 | 219364522.76 | 0 | 0 | 8 | 396272805.96 | 0.44643054113043834 | 0.5535694588695617 | 0 | 1 UNIBK | 6 | 3120313000 | 5 | 5385967000 | 0 | 0 | 11 | 8506280000 | 0.36682462839219965 | 0.6331753716078004 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 97224000 | 1 | 88661000 | 1 | 127206000 | 5 | 313091000 | 0.31052952655937094 | 0.28317965064470074 | 0.4062908227959283 | 1 [Non apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1230945500 | 1 | 702823000 | 2 | 2587443000 | 8 | 4521211500 | 0.27226010108131415 | 0.15545014870461157 | 0.5722897502140742 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 322994000 | 4 | 434584000 | 2 | 491450000 | 12 | 1249028000 | 0.2585962844708045 | 0.34793775639937613 | 0.39346595912981935 | 1 CAPITALBK | 5 | 682519230 | 3 | 670231790 | 0 | 0 | 8 | 1352751020 | 0.5045416487654912 | 0.49545835123450876 | 0 | 1 SOGEBK | 10 | 3343415364 | 5 | 3642683848 | 0 | 0 | 15 | 6986099212 | 0.47858114557792514 | 0.5214188544220749 | 0 | 1 SOGEBL | 7 | 245504616 | 2 | 151807320 | 0 | 0 | 9 | 397311936 | 0.6179140210879545 | 0.3820859789120456 | 0 | 1 UNIBK | 7 | 3440582000 | 4 | 4334581000 | 0 | 0 | 11 | 7775163000 | 0.4425093081649864 | 0.5574906918350137 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 108702000 | 1 | 89155000 | 0 | 0 | 4 | 197857000 | 0.5493967865680769 | 0.45060321343192306 | 0 | 1 [Non apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1039389500 | 1 | 353457000 | 1 | 777875000 | 7 | 2170721500 | 0.47882213356250447 | 0.16282927128146102 | 0.3583485951560345 | 1 BPH | 76 | 75085000 | 30 | 57800000 | 37 | 543349000 | 143 | 676234000 | 0.11103405034352014 | 0.0854733716435435 | 0.8034925780129364 | 1 BUH | 4 | 232268000 | 2 | 197998000 | 3 | 546034000 | 9 | 976300000 | 0.23790638123527605 | 0.2028044658404179 | 0.559289152924306 | 1 CAPITALBK | 4 | 338768270 | 5 | 985335970 | 0 | 0 | 9 | 1324104240 | 0.25584713028333783 | 0.7441528697166622 | 0 | 1 SOGEBK | 11 | 3483107611 | 4 | 2750016511 | 1 | 930603331 | 16 | 7163727453 | 0.4862144231270771 | 0.38388067232350637 | 0.12990490454941656 | 1 SOGEBL | 7 | 233005373 | 3 | 220375627 | 0 | 0 | 10 | 453381000 | 0.5139284023812202 | 0.48607159761877977 | 0 | 1 UNIBK | 8 | 2585024000 | 5 | 4931479000 | 0 | 0 | 13 | 7516503000 | 0.3439131202368974 | 0.6560868797631026 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 103023000 | 1 | 44550000 | 0 | 0 | 4 | 147573000 | 0.6981155089345612 | 0.3018844910654388 | 0 | 1 [Secteur d' activitéssept. 24] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 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 | 0 | 0 | 20.24 | 0 | 0 | 0 | 775.8981600000001 200 | Industrie alimentaire | 2547543.41 | 0 | 698194.191925445 | 1376954.7901214568 | 4238001.51526 | 895660.77 | 8704.69595 | 0 | 0 | 9765059.373256901 210 | Industrie des boissons | 0 | 0 | 90933.94656735299 | 2625298.385489919 | 1621223.63924 | 258135.45 | 0 | 0 | 0 | 4595591.421297272 220 | Industrie du bois | 0 | 0 | 0 | 31291.920291735 | 0 | 9599.61 | 0 | 0 | 0 | 40891.530291735005 230 | Industrie chimique | 0 | 0 | 7148.11066 | 126307.14265212699 | 81890.04088 | 122707.23 | 0 | 0 | 0 | 338052.524192127 240 | Industrie du textile | 275392.99 | 0 | 48323.15113416999 | 767427.7181562148 | 31228.88471 | 281108.18 | 0 | 0 | 0 | 1403480.9240003845 250 | Industrie pharmacie | 0 | 0 | 10542.108079086 | 40822.710490000005 | 174967.99423 | 40122.23 | 0 | 0 | 0 | 266455.042799086 260 | Imprimerie, édition | 32307.63 | 0 | 3094.43735 | 24259.691697810995 | 141477.44654 | 106094.9 | 0 | 0 | 0 | 307234.105587811 270 | Sidérurgie, aciérie | 24778.22 | 0 | 176410.424379284 | 910147.26637996 | 0 | 636837.25 | 0 | 0 | 0 | 1748173.160759244 280 | Industrie de la fabrication | 923.98 | 926.2344 | 221700.07875282498 | 2734161.901290378 | 670233.25794 | 279692.5 | 0 | 0 | 0 | 3907637.952383203 290 | Autres industries | 0 | 0 | 21615.699020269 | 4819.92298 | 914964.74291 | 264724.78 | 0 | 0 | 0 | 1206125.144910269 300 | Production et distribution de l'électricité | 1924833.12 | 0 | 11208.392380000001 | 0 | 0 | 6219.54 | 0 | 0 | 0 | 1942261.0523800002 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 85796.0713 | 2674.59 | 0 | 0 | 0 | 88470.66129999999 500 | Traitement et distribution de l'eau | 0 | 0 | 291650.42595058697 | 206932.98376267 | 7619.62918 | 15383.91 | 0 | 0 | 0 | 521586.94889325695 600 | Entrep/ batiment et corps/ métiers corresp. | 470854.22 | 82732.06370999999 | 1866369.407532548 | 4338709.776323243 | 518425.52525 | 684346.09 | 0 | 0 | 0 | 7961437.0828157915 700 | Commerce de gros(1) | 2064053.8 | 351861.47785 | 4672280.886809318 | 10000875.92329127 | 9648958.94362 | 2002193.86 | 0 | 0 | 0 | 28740224.891570587 800 | Commerce de détail(2) | 1132593.44 | 478890.9487 | 1832474.112853837 | 2965136.102782747 | 8580211.71672 | 1590850.23 | 0 | 0 | 0 | 16580156.551056584 900 | Rest/débits/boissons, casinos/activités/loterie | 13582.71 | 0 | 3652.80751 | 3464.26167 | 686.32688 | 60728.37 | 0 | 0 | 0 | 82114.47606 1000 | Hotels,motels et pensions | 2572927.35 | 0 | 1175.768757166 | 473952.67622662697 | 655752.78751 | 102596.67 | 143632.64672 | 0 | 0 | 3950037.899213793 1100 | Transport | 237830.78 | 133518.58422 | 224074.63977344896 | 306009.12726577104 | 776917.40816 | 30333.04 | 0 | 0 | 0 | 1708683.5794192199 1200 | Immobilier résidentiel / Avance Hypothécaire | 2067660.52 | 186013.10084 | 1240939.9600674452 | 323820.13321738906 | 2387823.61135 | 1366029.42 | 4021743.4469219605 | 0 | 0 | 11594030.192396794 1300 | Immobilier commercial | 3156566.37 | 36197.04762 | 1052788.6429029612 | 5135694.188798432 | 2491886.47433 | 272005.26 | 1032993.562994019 | 0 | 0 | 13178131.546645412 1400 | Télécommunications | 634.37 | 0 | 70703.93128648699 | 63042.4387908 | 9046.60634 | 16661.78 | 0 | 0 | 0 | 160089.12641728699 1500 | Services financiers | 23813.31 | 0 | 248807.776907883 | 732053.7741615641 | 51999.8089 | 2073424.54 | 0 | 0 | 0 | 3130099.209969447 1510 | Services professionnels | 146351.96 | 0 | 69217.858276038 | 75858.611921848 | 678245.05234 | 487360.04 | 0 | 0 | 0 | 1457033.522537886 1520 | Services médicaux | 36334.77 | 0 | 2989.909102363 | 11607.29839 | 57840.21347 | 24569.71 | 0 | 0 | 0 | 133341.900962363 1530 | Services d'agence ou de représentation | 3676.41 | 775.39098 | 18512.243289509 | 30717.439197476997 | 42476.68845 | 1105.23 | 0 | 0 | 0 | 97263.401916986 1540 | Services d'enseignement | 493753.25 | 0 | 990.71236 | 19431.287577292 | 71550.70732 | 1306.34 | 0 | 0 | 0 | 587032.297257292 1550 | Autres services | 27100.18 | 10088.62613 | 773929.795625425 | 628748.334988703 | 2685194.74112 | 145329.73 | 0 | 0 | 0 | 4270391.407864128 1560 | Crédit à la consommation | 3719112.15 | 29407.70033 | 538376.6062350129 | 2417112.3272686545 | 1354169.98064 | 289984.94 | 41256.774028869 | 0 | 0 | 8389420.478502536 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 | 20972624.939999998 | 1311166.8329399999 | 14198106.025488462 | 36374658.13518409 | 37978589.81459 | 12067806.429999998 | 5248331.126614849 | 0 | 0 | 128151283.3048174 1000 (1) Commerce de gros Import-export | 751607.28 | 11582.652320000001 | 538775.3840170109 | 2053632.8525694897 | 1203475.9663399998 | 241105 | 0 | 4800179.1352465 Produits pétroliers | 262592.49 | 0 | 1332180.583931168 | 1398080.357727885 | 449670.55669 | 177887 | 0 | 3620410.988349053 Produits pharmaceutiques | 0 | 0 | 36877.595871823 | 101733.910131873 | 102579.22229 | 177887 | 0 | 419077.728293696 Produits alimentaires | 244755.4 | 16391.00714 | 1360057.6805305018 | 3030392.6875945684 | 1283932.77575 | 1137128 | 0 | 7072657.55101507 Matériaux de construction | 136221.56 | 207373.35921 | 1173667.8330443997 | 226484.58606151797 | 5344455.56987 | 430251 | 0 | 7518453.908185918 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 668877.0599999999 | 116514.45918 | 230721.809414415 | 3190551.529205935 | 1264844.85268 | 10984 | 0 | 0 | 5482493.710480349 S-Total | 2064053.79 | 351861.47785 | 4672280.886809318 | 10000875.92329127 | 9648958.94362 | 2175242 | 0 | 0 | 0 | 28913273.021570586 0 (2) Commerce de détail Produits pétroliers | 105909.32 | 0 | 36974.327054333 | 105820.19115389501 | 100564.49191 | 69649 | 418917.330118228 Produits pharmaceutiques | 0 | 0 | 0 | 79.2139 | 8322.79329 | 2865 | 0 | 11267.00719 Véhicules automobiles | 182798.15 | 0 | 79250.93797 | 861045.0515021209 | 1917594.96953 | 559575 | 0 | 3600264.109002121 Produits alimentaires | 132059.09 | 0 | 1192270.1012561887 | 619012.976191056 | 2182972.39715 | 204310 | 0 | 4330624.564597245 Librairie ,papeterie | 0 | 0 | 0 | 71231.768270814 | 114539.7031 | 1 | 0 | 185772.47137081402 Appareils électro- ménagers électroni.équip. inform. | 4497.56 | 0 | 39288.200130051 | 254322.30997069503 | 1802677.96679 | 616730 | 0 | 2717516.036890746 Matériaux de construction | 54601.42 | 0 | 5878.9315799999995 | 119377.937148684 | 1105451.6569700001 | 6004 | 0 | 1291313.945698684 Autres | 652727.8999999999 | 478890.9487 | 478811.61486326397 | 934246.6546454806 | 1371413.2571 | 131717 | 0 | 0 | 4047807.3753087446 S-Total | 1132593.44 | 478890.9487 | 1832474.1128538367 | 2965136.1027827454 | 8603537.23584 | 1590851 | 0 | 0 | 0 | 16603482.840176584 [Secteur d'activitéssept. 24%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 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 | 0.0005763249504303009 | 0 | 0 | 0 | 1.6771896464699925e-06 | 0 | #DIV/0! | 6.054548499170847e-06 200 | Industrie alimentaire | 0.1214699360374868 | 0 | 0.049175163974127654 | 0.03785478299216154 | 0.11158922792946654 | 0.07421902026646944 | 0.0016585645493779068 | #DIV/0! | 0.07619946614213748 210 | Industrie des boissons | 0 | 0 | 0.006404653297003715 | 0.0721738298057171 | 0.04268783141119117 | 0.02139042016437117 | 0 | #DIV/0! | 0.0358606742186601 220 | Industrie du bois | 0 | 0 | 0 | 0.0008602670621794048 | 0 | 0.000795472653268271 | 0 | #DIV/0! | 0.0003190879500946662 230 | Industrie chimique | 0 | 0 | 0.000503455224743899 | 0.0034723939447819574 | 0.0021562159437668433 | 0.010168147020899805 | 0 | #DIV/0! | 0.002637917588293235 240 | Industrie du textile | 0.013131069228952703 | 0 | 0.0034034927649800747 | 0.021097867512709503 | 0.0008222760471744264 | 0.023294057758597976 | 0 | #DIV/0! | 0.010951750835472325 250 | Industrie pharmacie | 0 | 0 | 0.0007425010110616719 | 0.0011222843755200396 | 0.004607016613417901 | 0.003324732645715797 | 0 | #DIV/0! | 0.0020792225869896504 260 | Imprimerie, édition | 0.0015404666841860762 | 0 | 0.0002179471927061864 | 0.0006669393732210871 | 0.003725189566824029 | 0.008791564615774171 | 0 | #DIV/0! | 0.0023974329219710717 270 | Sidérurgie, aciérie | 0.001181455352913015 | 0 | 0.012424926540384452 | 0.025021465851237858 | 0 | 0.05277158311197739 | 0 | #DIV/0! | 0.013641479942117191 280 | Industrie de la fabrication | 4.405647851155441e-05 | 0.0007064199434660237 | 0.015614764275941358 | 0.07516666936439761 | 0.01764766046375215 | 0.02317674729225832 | 0 | #DIV/0! | 0.030492382531110473 290 | Autres industries | 0 | 0 | 0.0015224353854989153 | 0.0001325077190302948 | 0.024091593378712122 | 0.021936445661069497 | 0 | #DIV/0! | 0.009411728964441271 300 | Production et distribution de l'électricité | 0.09177835990996368 | 0 | 0.000789428699847619 | 0 | 0 | 0.0005153828109587934 | 0 | #DIV/0! | 0.015156001581039085 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 0.0022590641653324433 | 0.00022163017077826965 | 0 | #DIV/0! | 0.0006903611030532244 500 | Traitement et distribution de l'eau | 0 | 0 | 0.02054150218536301 | 0.00568893274525404 | 0.00020062959728622714 | 0.0012747892576198707 | 0 | #DIV/0! | 0.004070087598363127 600 | Entrep/ batiment et corps/ métiers corresp. | 0.02245089593444091 | 0.0630980449104953 | 0.1314519981877892 | 0.11927836572920372 | 0.013650468007920602 | 0.05670840794220463 | 0 | #DIV/0! | 0.06212530126505966 700 | Commerce de gros(1) | 0.09841656949976431 | 0.2683575186698621 | 0.32907775716152793 | 0.2749407537006576 | 0.2540631179495037 | 0.1659119966510766 | 0 | #DIV/0! | 0.224267944498143 800 | Commerce de détail(2) | 0.0540034184199739 | 0.36524028572793715 | 0.12906468718885297 | 0.08151653526922531 | 0.2259223356793462 | 0.13182596516009912 | 0 | #DIV/0! | 0.12937955924810712 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0006476399610853863 | 0 | 0.00025727428034714447 | 9.52383293095235e-05 | 1.8071415588378113e-05 | 0.00503226252030627 | 0 | #DIV/0! | 0.0006407620270542636 1000 | Hotels,motels et pensions | 0.12268027284905045 | 0 | 8.281166199599143e-05 | 0.013029749295930485 | 0.01726638062949045 | 0.008501683433117515 | 0.02736729890986174 | #DIV/0! | 0.030823241073741986 1100 | Transport | 0.011340057845901669 | 0.10183188047901903 | 0.01578200918990109 | 0.008412701120887727 | 0.020456720798557308 | 0.0025135504265790588 | 0 | #DIV/0! | 0.013333331788453405 1200 | Immobilier résidentiel | 0.09858854225044851 | 0.14186836958261598 | 0.08740179555214674 | 0.00890235537098197 | 0.06287288767190309 | 0.11319616600777713 | 0.7662899595887288 | #DIV/0! | 0.09047143261780319 1300 | Immobilier commercial | 0.15050888379640287 | 0.0276067443979163 | 0.07414993528101518 | 0.14118879604894027 | 0.0656129278758188 | 0.022539743372400122 | 0.19682324496554687 | #DIV/0! | 0.1028326147565783 1400 | Télécommunications | 3.0247525134066508e-05 | 0 | 0.004979814290691954 | 0.0017331417537040984 | 0.0002382027975279014 | 0.0013806800843755333 | 0 | #DIV/0! | 0.0012492198461758908 1500 | Services financiers | 0.001135447282737704 | 0 | 0.017524011756302065 | 0.020125378812934355 | 0.0013691874594043921 | 0.17181453415142328 | 0 | #DIV/0! | 0.024425032112431307 1510 | Services professionnels | 0.006978237603480454 | 0 | 0.004875147301462462 | 0.002085479721621694 | 0.017858616016317774 | 0.04038513899166015 | 0 | #DIV/0! | 0.01136963661200507 1520 | Services médicaux | 0.001732485566491993 | 0 | 0.00021058506655715278 | 0.0003191039857161604 | 0.0015229689609954893 | 0.002035971503397739 | 0 | #DIV/0! | 0.0010405038289409817 1530 | Services d'agence ou de représentation | 0.00017529565376378682 | 0.0005913747667498256 | 0.001303853010836501 | 0.0008444736190596652 | 0.0011184377476196336 | 9.158499570000148e-05 | 0 | #DIV/0! | 0.0007589732963160247 1540 | Services d'enseignement | 0.023542749246342077 | 0 | 6.977778291142999e-05 | 0.0005341984934972273 | 0.001883974830800927 | 0.00010824999618426927 | 0 | #DIV/0! | 0.00458077579965385 1550 | Autres services | 0.001292169200447257 | 0.007694387835740553 | 0.054509368660585075 | 0.017285340047788218 | 0.07070285532530345 | 0.012042762770764798 | 0 | #DIV/0! | 0.03332304833582262 1560 | Crédit à la consommation | 0.17733174367252097 | 0.022428648735767494 | 0.037918903075418536 | 0.0664504479543316 | 0.03565614171697804 | 0.024029631373528756 | 0.007860931986484519 | #DIV/0! | 0.06546497438147127 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 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 0.9999999999999999 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.03583753975242739 | 0.008833850909749204 | 0.03794698976397278 | 0.05645779116156349 | 0.03168827416224043 | 0.019979190203169347 | 0 | #DIV/0! | 0.03745712888281357 Produits pétroliers | 0.012520725982143084 | 0 | 0.09382804872281102 | 0.03843556006855127 | 0.011840106725533366 | 0.014740624241186145 | 0 | #DIV/0! | 0.02825107088266635 Produits pharmaceutiques | 0 | 0 | 0.0025973602257667525 | 0.002796834811581883 | 0.0027009750175240256 | 0.014740624241186145 | 0 | #DIV/0! | 0.0032701797242005635 Produits alimentaires | 0.011670232062043448 | 0.01250108432292084 | 0.09579148642001434 | 0.08331054758871707 | 0.03380675222587542 | 0.09422822669521393 | 0 | #DIV/0! | 0.05518990811970432 Matériaux de construction | 0.0064952079384298575 | 0.15815939970431633 | 0.08266368985676184 | 0.0062264388910488865 | 0.14072285453360497 | 0.03565279261775498 | 0 | #DIV/0! | 0.0586685807141136 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.03189286328790849 | 0.08886318373287574 | 0.016250182172201196 | 0.08771358117919499 | 0.03330415528472551 | 0.0009101902705941897 | 0 | #DIV/0! | 0.04278141871931027 S-Total | 0.09841656902295229 | 0.2683575186698621 | 0.32907775716152793 | 0.27494075370065757 | 0.2540631179495037 | 0.18025164826910473 | - | #DIV/0! | 0.22561828704280867 (2) Commerce de détail Produits pétroliers | 0.0050498838511151105 | 0 | 0.0026041731895758936 | 0.0029091734899781337 | 0.002647925907753604 | 0.005771471427222753 | 0 | #DIV/0! | 0.0032689280927589454 Produits pharmaceutiques | 0 | 0 | 0 | 2.1777221851984592e-06 | 0.00021914434766092034 | 0.00023740851468065854 | 0 | 0 | 8.79195814465672e-05 Véhicules automobiles | 0.008716035809678672 | 0 | 0.005581796461283539 | 0.023671564095588255 | 0.0504914737195779 | 0.046369238953727576 | 0 | #DIV/0! | 0.028093859196389192 Produits alimentaires | 0.006296736358839401 | 0 | 0.08397388349656099 | 0.017017698802571115 | 0.05747902720472736 | 0.016930168807820365 | 0 | #DIV/0! | 0.03379306436047567 Librairie ,papeterie | 0 | 0 | 0 | 0.0019582800752679435 | 0.0030159019505247137 | 8.28651011101775e-08 | 0 | 0 | 0.0014496341088441568 Appareils électro- ménagers électroni.équip. inform. | 0.00021444907410812645 | 0 | 0.0027671437344897105 | 0.006991744335452513 | 0.047465637233783664 | 0.05110539380767977 | 0 | #DIV/0! | 0.02120553120351461 Matériaux de construction | 0.002603461424414335 | 0 | 0.0004140644934927329 | 0.003281898532352484 | 0.0291072328479486 | 0.0004975220670655057 | 0 | 0 | 0.010076480799862125 Autres | 0.031122851901818255 | 0.36524028572793715 | 0.03372362581345009 | 0.025683998215829625 | 0.03611016796029516 | 0.01091474252292925 | 0 | #DIV/0! | 0.03158616340720313 S-Total | 0.0540034184199739 | 0.36524028572793715 | 0.12906468718885294 | 0.08151653526922528 | 0.22653651117227197 | 0.131826028966227 | - | #DIV/0! | 0.1295615807504944 [Secteur d'activitésept. 24 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2024 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3196647.24 | 830752.42655 | 6504754.9996631555 | 12966012.026074016 | 18229170.66034 | 3593044.09 | 0 | 0 | 0 | 45320381.44262718 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3317539.9400000004 | 10864.01711 | 1119276.871828384 | 1975833.6841335108 | 4243746.325990001 | 2896420.63 | 143632.64672 | 0 | 0 | 13707314.115781896 Industries Manufacturières ( 200 à 290 ) | 2880946.2300000004 | 926.2344 | 1277962.147868432 | 8641491.4495496 | 7873987.521710001 | 2894682.9000000004 | 8704.69595 | 0 | 0 | 23578701.179478034 Prêts aux Particuliers ( 1560 ) | 3719112.15 | 29407.70033 | 538376.6062350129 | 2417112.3272686545 | 1354169.98064 | 289984.94 | 41256.774028869 | 0 | 0 | 8389420.478502536 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5224226.890000001 | 222210.14846 | 2293728.6029704064 | 5459514.322015821 | 4879710.0856800005 | 1638034.68 | 5054737.00991598 | 0 | 0 | 24772161.739042208 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 238465.15 | 133518.58422 | 294778.57105993596 | 369051.566056571 | 785964.0145 | 46994.82 | 0 | 0 | 0 | 1868772.705836507 Bâtiments et Travaux Publics ( 600 ) | 470854.22 | 82732.06370999999 | 1866369.407532548 | 4338709.776323243 | 518425.52525 | 684346.09 | 0 | 0 | 0 | 7961437.0828157915 Électricité, Gaz et Eau ( 300 à 500 ) | 1924833.12 | 0 | 302858.81833058695 | 206932.98376267 | 93415.70048 | 24278.04 | 0 | 0 | 0 | 2552318.662573257 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 755.6581600000001 | 0 | 0 | 0 | 20.24 | 0 | 0 | 0 | 775.8981600000001 Total | 20972624.94 | 1311166.83294 | 14198106.025488464 | 36374658.13518409 | 37978589.81459001 | 12067806.43 | 5248331.126614848 | 0 | 0 | 128151283.30481742 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1524199879197382 | 0.6335978043977991 | 0.4581424443503808 | 0.35645728896988293 | 0.4799854536288498 | 0.2977379618111756 | 0 | #DIV/0! | #DIV/0! | 0.3536475037462501 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1581842973633991 | 0.008285762602490377 | 0.07883282952099782 | 0.054318962305857324 | 0.11174049238552049 | 0.24001218836255397 | 0.027367298909861743 | #DIV/0! | #DIV/0! | 0.10696197308596608 Industries Manufacturières ( 200 à 290 ) | 0.13736698378205014 | 0.0007064199434660235 | 0.09000933966644792 | 0.23756900800095634 | 0.20732701135430517 | 0.2398681911904018 | 0.001658564549377907 | #DIV/0! | #DIV/0! | 0.18399114368128744 Prêts aux Particuliers ( 1560 ) | 0.17733174367252094 | 0.02242864873576749 | 0.03791890307541853 | 0.0664504479543316 | 0.035656141716978035 | 0.024029631373528752 | 0.00786093198648452 | #DIV/0! | #DIV/0! | 0.06546497438147124 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24909742604685134 | 0.16947511398053225 | 0.1615517308331619 | 0.15009115141992224 | 0.12848581554772187 | 0.1357359093801772 | 0.963113204554276 | #DIV/0! | #DIV/0! | 0.19330404737438148 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.011370305371035734 | 0.10183188047901902 | 0.020761823480593043 | 0.010145842874591825 | 0.020694923596085206 | 0.003894230510954591 | 0 | #DIV/0! | #DIV/0! | 0.014582551634629294 Bâtiments et Travaux Publics ( 600 ) | 0.022450895934440905 | 0.06309804491049528 | 0.13145199818778916 | 0.11927836572920372 | 0.013650468007920599 | 0.05670840794220462 | 0 | #DIV/0! | #DIV/0! | 0.06212530126505965 Électricité, Gaz et Eau ( 300 à 500 ) | 0.09177835990996366 | 0 | 0.021330930885210625 | 0.00568893274525404 | 0.0024596937626186702 | 0.0020118022393569336 | 0 | #DIV/0! | #DIV/0! | 0.019916450282455433 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0.0005763249504303008 | 0 | 0 | 0 | 1.6771896464699923e-06 | 0 | #DIV/0! | #DIV/0! | 6.054548499170845e-06 Total | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1.0000000000000002 | #DIV/0! | #DIV/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' 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 30 JUIN 2023 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 | 0.4479555459804863 | 0.41618191646264163 | 0 | 0.1727908258301971 | #DIV/0! | 0.3450375815113905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.24896859046402134 | 0.019365147623857434 | 0.06865660232047915 | 0.049437727210237946 | 0.10307436955320089 | 0.24453416020067373 | 0.030257334249241014 | 0.3692149080326329 | #DIV/0! | 0.11719057784179283 Industries Manufacturières ( 200 à 290 ) | 0.11740360024562142 | 0.0015832240380702787 | 0.19301727992395326 | 0.21639897052339577 | 0.2558081456450505 | 0.1587180021824007 | 0.0009731966875332027 | 0.2591862387452956 | #DIV/0! | 0.19619024417205322 Prêts aux Particuliers ( 1560 ) | 0.14103608602955495 | 0.020099406221054363 | 0.04407271676105952 | 0.08061742879556973 | 0.03984623417807477 | 0.02345636687943206 | 0.010320147255919489 | 0 | #DIV/0! | 0.0664011670776815 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.20077557158705464 | 0.19403171858527976 | 0.21613118464285017 | 0.14527935716933305 | 0.10212641057300516 | 0.10680577808761467 | 0.9584493218073064 | 0 | #DIV/0! | 0.17087451082248367 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.07497252989849086 | 0.09822074101909364 | 0.022409382552190996 | 0.007155559491915689 | 0.018381648809168333 | 0.004812772919648247 | 0 | 0 | #DIV/0! | 0.023509458386137036 Bâtiments et Travaux Publics ( 600 ) | 0.029378781075326613 | 0.07649682130155526 | 0.0625860604266562 | 0.12865484843254724 | 0.029200999557409613 | 0.03909970641709432 | 0 | 0.1988080273918745 | #DIV/0! | 0.06309215434610735 Électricité, Gaz et Eau ( 300 à 500 ) | 0.0632877993477208 | 0 | 0.028330160073890776 | 0.00652447212002756 | 0.003406106918843123 | 0.00639129685049462 | 0 | 0 | #DIV/0! | 0.016828128535989004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007215169848517156 | 0.00021120733179408658 | 0.000200538784761358 | 0 | 0 | 0 | #DIV/0! | 0.0008761773063649914 Total | 0.9999999999999999 | 1 | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activitémars 22 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2022 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 115904.67685744 | 17493.15918232 | 10000 | 0 | 0 | 0 | 0 | 143397.83603976 200 | Industrie alimentaire | 1605868.49 | 755.6581600000001 | 992357.2937635999 | 1425543.2072053596 | 4284529.67234 | 871821 | 5943.5138099999995 | 29000.000099999997 | 0 | 9215818.83537896 210 | Industrie des boissons | 765181.12 | 0 | 1403617.1605545601 | 3273172.0407628 | 2416220.00723 | 238303 | 0 | 0 | 0 | 8096493.32854736 220 | Industrie du bois | 54614.82 | 0 | 592.36105744 | 0 | 0 | 4558 | 0 | 0 | 0 | 59765.18105744 230 | Industrie chimique | 167.5 | 0 | 10614.949359999999 | 371559.72717008 | 111177.98531999999 | 70895 | 0 | 29000.000099999997 | 0 | 593415.16195008 240 | Industrie du textile | 926.1 | 0 | 466517.95370952005 | 1721947.5989116 | 93738.60612000001 | 131512 | 0 | 0 | 0 | 2414642.2587411203 250 | Industrie pharmacie | 0 | 0 | 43559.46534 | 37499.999950000005 | 158931.05851 | 38004 | 0 | 0 | 0 | 277994.5238 260 | Imprimerie, édition | 9697.55 | 0 | 490.86500567999997 | 114213.97331304 | 131528.511 | 21240 | 0 | 0 | 0 | 277170.89931872 270 | Sidérurgie, aciérie | 23044.7 | 0 | 62712.703747199994 | 590363.4978812799 | 0 | 625257 | 0 | 0 | 0 | 1301377.9016284798 280 | Industrie de la fabrication | 1471.38 | 1463.65172 | 185432.18689728 | 2326071.67430944 | 740105.1583400001 | 69672 | 0 | 0 | 0 | 3324216.05126672 290 | Autres industries | 0 | 0 | 11855.68317728 | 9869.48194224 | 2608620.36303 | 211776 | 0 | 0 | 0 | 2842121.52814952 300 | Production et distribution de l'électricité | 1532976.01 | 0 | 333373.89535 | 393121.56418352004 | 0 | 3793 | 0 | 0 | 0 | 2263264.4695335203 400 | Production et distribution de gaz | 0 | 0 | 0 | 0 | 82464.18302 | 179312 | 0 | 0 | 0 | 261776.18302 500 | Traitement et distribution de l'eau | 0 | 0 | 479629.18235464 | 184159.85203367998 | 30696.79721 | 12649 | 0 | 0 | 0 | 707134.8315983199 600 | Entrep/ batiment et corps/ métiers corresp. | 878106.22 | 96130.2805 | 944231.67417928 | 5519998.864267601 | 1380098.3306300002 | 534430 | 0 | 42159.9734441424 | 0 | 9395155.343021024 700 | Commerce de gros(1) | 3068985.4299999997 | 318021.94368 | 4418960.48127512 | 10092358.923678879 | 12167989.0131 | 3432976 | 0 | 38666.666800000006 | 0 | 33537958.458533995 800 | Commerce de détail(2) | 737354.96 | 433318.83444999997 | 933224.2341565599 | 7191232.00337737 | 8951983.784030002 | 1265434 | 0 | 0 | 0 | 19512547.816013932 900 | Rest/débits/boissons, casinos/activités/loterie | 24795.75 | 0 | 1285.90793664 | 427.06474 | 8968.365730000001 | 10127 | 0 | 0 | 0 | 45604.08840664 1000 | Hotels,motels et pensions | 2192040.36 | 0 | 68970.983322 | 359833.497942 | 1110743.1417999999 | 246616 | 157238.13318696004 | 0 | 0 | 4135442.11625096 1100 | Transport | 920747.52 | 128961.34726000001 | 307927.53131016006 | 281939.45264264 | 823599.00015 | 37138 | 0 | 0 | 0 | 2500312.8513628 1200 | Immobilier résidentiel / Avance Hypothécaire | 2398774.37 | 210405.09181 | 1662768.3216169602 | 481695.9095548802 | 3138080.48398 | 1331951 | 3655625.7513001584 | 0 | 0 | 12879300.928261999 1300 | Immobilier commercial | 3302473.18 | 48417.51509 | 1687550.5935830404 | 6468829.365071842 | 1659398.7390899998 | 126846 | 1072790.5891846397 | 0 | 0 | 14366305.982019523 1400 | Télécommunications | 1297941.57 | 0 | 7994.835871519999 | 33447.34859616 | 66948.63506 | 29967 | 0 | 0 | 0 | 1436299.3895276801 1500 | Services financiers | 362471.39 | 0 | 244686.33605736 | 1054626.0147484 | 3011320.14783 | 2239715 | 0 | 0 | 0 | 6912818.88863576 1510 | Services professionnels | 513325.09 | 6874.63521 | 238713.90092736 | 179521.71209224008 | 249714.22431000002 | 616085 | 0 | 42159.9734441424 | 0 | 1846394.5359837424 1520 | Services médicaux | 9166.77 | 0 | 22729.691506159998 | 2577.99479 | 28292.02048 | 40331 | 0 | 0 | 0 | 103097.47677616 1530 | Services d'agence ou de représentation | 14.38 | 775.39098 | 20827.09445168 | 16267.045146400002 | 66333.69965 | 183 | 0 | 0 | 0 | 104400.61022808 1540 | Services d'enseignement | 435833.99 | 0 | 4798.82072448 | 30990.765940000005 | 74457.76887 | 1751 | 0 | 0 | 0 | 547832.34553448 1550 | Autres services | 3186191.95 | 11092.08531 | 511858.08744960005 | 594676.2793248259 | 1716546.5301199998 | 344915 | 0 | 36137.120094979204 | 0 | 6401417.0522994045 1560 | Crédit à la consommation | 3762818.8800000004 | 24680.996629999998 | 799997.4923677603 | 4028000.4407075 | 1861537.0582400002 | 315194 | 20972.005570639998 | 0 | 0 | 10813200.873515902 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 27084989.479999993 | 1280897.4307999995 | 15983184.363910321 | 46801438.45946611 | 46984023.285190016 | 13052451 | 4912569.993052398 | 217123.733983264 | 0 | 156316677.74640208 (1) Commerce de gros Import-export | 843081.9400000001 | 38471.60732 | 975704.02633208 | 1295099.45394944 | 2482605.69591 | 261303 | 0 | 5896265.72351152 Produits pétroliers | 532349.13 | 0 | 872375.3303851999 | 3355741.746343599 | 683554.0143200001 | 1449691 | 0 | 6893711.221048799 Produits pharmaceutiques | 0 | 0 | 21206.78418744 | 144640.17159248 | 95857.68712999999 | 11952 | 0 | 273656.64290992 Produits alimentaires | 293742.77 | 8040.253549999999 | 1157187.82677184 | 2635470.901138 | 2651229.68458 | 1135981 | 0 | 7881652.436039841 Matériaux de construction | 123836.72 | 167191.63902 | 850722.4706471201 | 114961.22336096001 | 4483629.58922 | 560830 | 0 | 6301171.642248081 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 2.9706794400000005 | 0 | 0 | 0 | 0 | 2.9706794400000005 Autres | 1275974.87 | 104318.44379 | 541761.0722719999 | 2546445.427294399 | 1771112.34194 | 13177 | 0 | 0 | 6252789.155296399 S-Total | 3068985.43 | 318021.94368 | 4418960.481275121 | 10092358.923678879 | 12167989.013100002 | 3432934 | 0 | 0 | 0 | 33499249.791734003 (2) Commerce de détail [text truncated at 1,600,000 bytes for storage]